id	sid	tid	token	lemma	pos
ajeer-199	1	1	asian	asian	PROPN
ajeer-199	1	2	journal	journal	PROPN
ajeer-199	1	3	of	of	ADP
ajeer-199	1	4	economics	economic	NOUN
ajeer-199	1	5	and	and	CCONJ
ajeer-199	1	6	empirical	empirical	ADJ
ajeer-199	1	7	research	research	NOUN
ajeer-199	1	8	issn	issn	NOUN
ajeer-199	1	9	:	:	PUNCT
ajeer-199	1	10	2409	2409	NUM
ajeer-199	1	11	-	-	SYM
ajeer-199	1	12	2622	2622	NUM
ajeer-199	1	13	vol	vol	NOUN
ajeer-199	1	14	.	.	PROPN
ajeer-199	2	1	2	2	NUM
ajeer-199	2	2	,	,	PUNCT
ajeer-199	2	3	no	no	INTJ
ajeer-199	2	4	.	.	NOUN
ajeer-199	2	5	2	2	NUM
ajeer-199	2	6	,	,	PUNCT
ajeer-199	2	7	52	52	NUM
ajeer-199	2	8	-	-	SYM
ajeer-199	2	9	61	61	NUM
ajeer-199	2	10	,	,	PUNCT
ajeer-199	2	11	2015	2015	NUM
ajeer-199	2	12	http://asianonlinejournals.com/index.php/ajeer	http://asianonlinejournals.com/index.php/ajeer	NOUN
ajeer-199	2	13	*	*	PUNCT
ajeer-199	2	14	corresponding	correspond	VERB
ajeer-199	2	15	author	author	NOUN
ajeer-199	2	16	52	52	NUM
ajeer-199	2	17	applying	apply	VERB
ajeer-199	2	18	a	a	DET
ajeer-199	2	19	fuzzy	fuzzy	ADJ
ajeer-199	2	20	analytic	analytic	ADJ
ajeer-199	2	21	hierarchy	hierarchy	NOUN
ajeer-199	2	22	process	process	NOUN
ajeer-199	2	23	to	to	PART
ajeer-199	2	24	demand	demand	VERB
ajeer-199	2	25	considerations	consideration	NOUN
ajeer-199	2	26	of	of	ADP
ajeer-199	2	27	households	household	NOUN
ajeer-199	2	28	opting	opt	VERB
ajeer-199	2	29	for	for	ADP
ajeer-199	2	30	mortgage	mortgage	NOUN
ajeer-199	2	31	loans	loan	NOUN
ajeer-199	2	32	otu	otu	PROPN
ajeer-199	2	33	larbi	larbi	PROPN
ajeer-199	2	34	-	-	PUNCT
ajeer-199	2	35	siaw	siaw	NOUN
ajeer-199	2	36	1	1	NUM
ajeer-199	2	37	*	*	PUNCT
ajeer-199	2	38	--	--	PUNCT
ajeer-199	3	1	michael	michael	PROPN
ajeer-199	3	2	owusu	owusu	PROPN
ajeer-199	3	3	-	-	PROPN
ajeer-199	3	4	akomeah	akomeah	PROPN
ajeer-199	3	5	2	2	NUM
ajeer-199	3	6	--fiifi	--fiifi	X
ajeer-199	3	7	okyere	okyere	ADV
ajeer-199	3	8	amaning	amane	VERB
ajeer-199	3	9	3	3	NUM
ajeer-199	3	10	1,2,3	1,2,3	NUM
ajeer-199	3	11	ghana	ghana	PROPN
ajeer-199	3	12	technology	technology	PROPN
ajeer-199	3	13	university	university	PROPN
ajeer-199	3	14	college	college	NOUN
ajeer-199	3	15	,	,	PUNCT
ajeer-199	3	16	it	it	PRON
ajeer-199	3	17	business	business	NOUN
ajeer-199	3	18	,	,	PUNCT
ajeer-199	3	19	ghana	ghana	PROPN
ajeer-199	3	20	abstract	abstract	ADV
ajeer-199	3	21	this	this	DET
ajeer-199	3	22	work	work	NOUN
ajeer-199	3	23	is	be	AUX
ajeer-199	3	24	licensed	license	VERB
ajeer-199	3	25	under	under	ADP
ajeer-199	3	26	a	a	DET
ajeer-199	3	27	creative	creative	ADJ
ajeer-199	3	28	commons	common	NOUN
ajeer-199	3	29	attribution	attribution	NOUN
ajeer-199	3	30	3.0	3.0	NUM
ajeer-199	3	31	license	license	NOUN
ajeer-199	3	32	asian	asian	ADJ
ajeer-199	3	33	online	online	PROPN
ajeer-199	3	34	journal	journal	PROPN
ajeer-199	3	35	publishing	publishing	NOUN
ajeer-199	3	36	group	group	NOUN
ajeer-199	3	37	contents	content	VERB
ajeer-199	3	38	1	1	NUM
ajeer-199	3	39	.	.	PUNCT
ajeer-199	4	1	introduction	introduction	NOUN
ajeer-199	4	2	...............................................................................................................................................................................	...............................................................................................................................................................................	PUNCT
ajeer-199	5	1	53	53	NUM
ajeer-199	5	2	2	2	NUM
ajeer-199	5	3	.	.	PUNCT
ajeer-199	5	4	literature	literature	NOUN
ajeer-199	5	5	review	review	PROPN
ajeer-199	5	6	......................................................................................................................................................................	......................................................................................................................................................................	PUNCT
ajeer-199	6	1	53	53	NUM
ajeer-199	6	2	3	3	NUM
ajeer-199	6	3	.	.	PUNCT
ajeer-199	6	4	research	research	NOUN
ajeer-199	6	5	method	method	NOUN
ajeer-199	6	6	.......................................................................................................................................................................	.......................................................................................................................................................................	PUNCT
ajeer-199	7	1	56	56	NUM
ajeer-199	7	2	4	4	NUM
ajeer-199	7	3	.	.	PUNCT
ajeer-199	7	4	empirical	empirical	ADJ
ajeer-199	7	5	results	result	NOUN
ajeer-199	7	6	......................................................................................................................................................................	......................................................................................................................................................................	PUNCT
ajeer-199	8	1	58	58	NUM
ajeer-199	8	2	5	5	NUM
ajeer-199	8	3	.	.	PUNCT
ajeer-199	9	1	conclusions	conclusion	NOUN
ajeer-199	9	2	................................................................................................................................................................................	................................................................................................................................................................................	PUNCT
ajeer-199	9	3	59	59	NUM
ajeer-199	9	4	references	reference	NOUN
ajeer-199	9	5	......................................................................................................................................................................................	......................................................................................................................................................................................	PUNCT
ajeer-199	10	1	60	60	NUM
ajeer-199	10	2	bibliography	bibliography	NOUN
ajeer-199	10	3	..................................................................................................................................................................................	..................................................................................................................................................................................	PUNCT
ajeer-199	10	4	61	61	NUM
ajeer-199	10	5	the	the	DET
ajeer-199	10	6	need	need	NOUN
ajeer-199	10	7	for	for	ADP
ajeer-199	10	8	high	high	ADJ
ajeer-199	10	9	economic	economic	ADJ
ajeer-199	10	10	development	development	NOUN
ajeer-199	10	11	across	across	ADP
ajeer-199	10	12	the	the	DET
ajeer-199	10	13	entire	entire	ADJ
ajeer-199	10	14	globe	globe	NOUN
ajeer-199	10	15	and	and	CCONJ
ajeer-199	10	16	sub	sub	ADJ
ajeer-199	10	17	-	-	ADJ
ajeer-199	10	18	saharan	saharan	ADJ
ajeer-199	10	19	africa	africa	PROPN
ajeer-199	10	20	in	in	ADP
ajeer-199	10	21	particular	particular	ADJ
ajeer-199	10	22	has	have	AUX
ajeer-199	10	23	led	lead	VERB
ajeer-199	10	24	to	to	ADP
ajeer-199	10	25	the	the	DET
ajeer-199	10	26	awareness	awareness	NOUN
ajeer-199	10	27	of	of	ADP
ajeer-199	10	28	the	the	DET
ajeer-199	10	29	need	need	NOUN
ajeer-199	10	30	to	to	PART
ajeer-199	10	31	increase	increase	VERB
ajeer-199	10	32	the	the	DET
ajeer-199	10	33	housing	housing	NOUN
ajeer-199	10	34	base	base	NOUN
ajeer-199	10	35	across	across	ADP
ajeer-199	10	36	the	the	DET
ajeer-199	10	37	continent	continent	NOUN
ajeer-199	10	38	.	.	PUNCT
ajeer-199	11	1	the	the	DET
ajeer-199	11	2	astronomical	astronomical	ADJ
ajeer-199	11	3	increase	increase	NOUN
ajeer-199	11	4	in	in	ADP
ajeer-199	11	5	population	population	NOUN
ajeer-199	11	6	and	and	CCONJ
ajeer-199	11	7	urbanisation	urbanisation	NOUN
ajeer-199	11	8	and	and	CCONJ
ajeer-199	11	9	its	its	PRON
ajeer-199	11	10	associated	associated	ADJ
ajeer-199	11	11	problems	problem	NOUN
ajeer-199	11	12	of	of	ADP
ajeer-199	11	13	accommodation	accommodation	NOUN
ajeer-199	11	14	call	call	NOUN
ajeer-199	11	15	for	for	ADP
ajeer-199	11	16	the	the	DET
ajeer-199	11	17	need	need	NOUN
ajeer-199	11	18	to	to	PART
ajeer-199	11	19	provide	provide	VERB
ajeer-199	11	20	good	good	ADJ
ajeer-199	11	21	housing	housing	NOUN
ajeer-199	11	22	for	for	ADP
ajeer-199	11	23	the	the	DET
ajeer-199	11	24	people	people	NOUN
ajeer-199	11	25	of	of	ADP
ajeer-199	11	26	ghana	ghana	PROPN
ajeer-199	11	27	;	;	PUNCT
ajeer-199	11	28	the	the	DET
ajeer-199	11	29	provision	provision	NOUN
ajeer-199	11	30	of	of	ADP
ajeer-199	11	31	which	which	PRON
ajeer-199	11	32	could	could	AUX
ajeer-199	11	33	depends	depend	VERB
ajeer-199	11	34	largely	largely	ADV
ajeer-199	11	35	on	on	ADP
ajeer-199	11	36	the	the	DET
ajeer-199	11	37	availability	availability	NOUN
ajeer-199	11	38	of	of	ADP
ajeer-199	11	39	mortgage	mortgage	NOUN
ajeer-199	11	40	facilities	facility	NOUN
ajeer-199	11	41	.	.	PUNCT
ajeer-199	12	1	however	however	ADV
ajeer-199	12	2	,	,	PUNCT
ajeer-199	12	3	obtaining	obtain	VERB
ajeer-199	12	4	the	the	DET
ajeer-199	12	5	right	right	ADJ
ajeer-199	12	6	mortgage	mortgage	NOUN
ajeer-199	12	7	is	be	AUX
ajeer-199	12	8	as	as	ADV
ajeer-199	12	9	crucial	crucial	ADJ
ajeer-199	12	10	as	as	ADP
ajeer-199	12	11	obtaining	obtain	VERB
ajeer-199	12	12	the	the	DET
ajeer-199	12	13	right	right	ADJ
ajeer-199	12	14	home	home	NOUN
ajeer-199	12	15	,	,	PUNCT
ajeer-199	12	16	yet	yet	CCONJ
ajeer-199	12	17	buyers	buyer	NOUN
ajeer-199	12	18	seemingly	seemingly	ADV
ajeer-199	12	19	do	do	AUX
ajeer-199	12	20	not	not	PART
ajeer-199	12	21	invest	invest	VERB
ajeer-199	12	22	as	as	ADV
ajeer-199	12	23	much	much	ADJ
ajeer-199	12	24	time	time	NOUN
ajeer-199	12	25	and	and	CCONJ
ajeer-199	12	26	effort	effort	NOUN
ajeer-199	12	27	in	in	ADP
ajeer-199	12	28	a	a	DET
ajeer-199	12	29	mortgage	mortgage	NOUN
ajeer-199	12	30	search	search	NOUN
ajeer-199	12	31	as	as	ADP
ajeer-199	12	32	in	in	ADP
ajeer-199	12	33	house	house	NOUN
ajeer-199	12	34	searches	search	NOUN
ajeer-199	12	35	.	.	PUNCT
ajeer-199	13	1	it	it	PRON
ajeer-199	13	2	is	be	AUX
ajeer-199	13	3	against	against	ADP
ajeer-199	13	4	this	this	DET
ajeer-199	13	5	backdrop	backdrop	NOUN
ajeer-199	13	6	that	that	SCONJ
ajeer-199	13	7	this	this	DET
ajeer-199	13	8	study	study	NOUN
ajeer-199	13	9	investigates	investigate	VERB
ajeer-199	13	10	factors	factor	NOUN
ajeer-199	13	11	considered	consider	VERB
ajeer-199	13	12	by	by	ADP
ajeer-199	13	13	households	household	NOUN
ajeer-199	13	14	before	before	ADP
ajeer-199	13	15	acquiring	acquire	VERB
ajeer-199	13	16	mortgage	mortgage	NOUN
ajeer-199	13	17	loans	loan	NOUN
ajeer-199	13	18	.	.	PUNCT
ajeer-199	14	1	a	a	DET
ajeer-199	14	2	questionnaire	questionnaire	NOUN
ajeer-199	14	3	was	be	AUX
ajeer-199	14	4	administered	administer	VERB
ajeer-199	14	5	within	within	ADP
ajeer-199	14	6	the	the	DET
ajeer-199	14	7	accra	accra	NOUN
ajeer-199	14	8	metropolis	metropolis	PROPN
ajeer-199	14	9	,	,	PUNCT
ajeer-199	14	10	the	the	DET
ajeer-199	14	11	area	area	NOUN
ajeer-199	14	12	of	of	ADP
ajeer-199	14	13	ghana	ghana	PROPN
ajeer-199	14	14	with	with	ADP
ajeer-199	14	15	the	the	DET
ajeer-199	14	16	most	most	ADJ
ajeer-199	14	17	mortgage	mortgage	NOUN
ajeer-199	14	18	loan	loan	NOUN
ajeer-199	14	19	providers	provider	NOUN
ajeer-199	14	20	.	.	PUNCT
ajeer-199	15	1	we	we	PRON
ajeer-199	15	2	employed	employ	VERB
ajeer-199	15	3	the	the	DET
ajeer-199	15	4	fuzzy	fuzzy	ADJ
ajeer-199	15	5	analytic	analytic	ADJ
ajeer-199	15	6	hierarchy	hierarchy	NOUN
ajeer-199	15	7	process	process	NOUN
ajeer-199	15	8	(	(	PUNCT
ajeer-199	15	9	fahp	fahp	NOUN
ajeer-199	15	10	)	)	PUNCT
ajeer-199	15	11	to	to	PART
ajeer-199	15	12	analyze	analyze	VERB
ajeer-199	15	13	the	the	DET
ajeer-199	15	14	thought	thought	NOUN
ajeer-199	15	15	processes	process	NOUN
ajeer-199	15	16	of	of	ADP
ajeer-199	15	17	households	household	NOUN
ajeer-199	15	18	when	when	SCONJ
ajeer-199	15	19	making	make	VERB
ajeer-199	15	20	their	their	PRON
ajeer-199	15	21	decisions	decision	NOUN
ajeer-199	15	22	on	on	ADP
ajeer-199	15	23	acquiring	acquire	VERB
ajeer-199	15	24	a	a	DET
ajeer-199	15	25	mortgage	mortgage	NOUN
ajeer-199	15	26	loan	loan	NOUN
ajeer-199	15	27	.	.	PUNCT
ajeer-199	16	1	the	the	DET
ajeer-199	16	2	results	result	NOUN
ajeer-199	16	3	indicated	indicate	VERB
ajeer-199	16	4	that	that	SCONJ
ajeer-199	16	5	factors	factor	NOUN
ajeer-199	16	6	considered	consider	VERB
ajeer-199	16	7	by	by	ADP
ajeer-199	16	8	households	household	NOUN
ajeer-199	16	9	when	when	SCONJ
ajeer-199	16	10	opting	opt	VERB
ajeer-199	16	11	for	for	ADP
ajeer-199	16	12	a	a	DET
ajeer-199	16	13	mortgage	mortgage	NOUN
ajeer-199	16	14	loan	loan	NOUN
ajeer-199	16	15	,	,	PUNCT
ajeer-199	16	16	ordered	order	VERB
ajeer-199	16	17	based	base	VERB
ajeer-199	16	18	on	on	ADP
ajeer-199	16	19	their	their	PRON
ajeer-199	16	20	degree	degree	NOUN
ajeer-199	16	21	of	of	ADP
ajeer-199	16	22	importance	importance	NOUN
ajeer-199	16	23	,	,	PUNCT
ajeer-199	16	24	were	be	AUX
ajeer-199	16	25	"	"	PUNCT
ajeer-199	16	26	employment	employment	NOUN
ajeer-199	16	27	"	"	PUNCT
ajeer-199	16	28	,	,	PUNCT
ajeer-199	16	29	"	"	PUNCT
ajeer-199	16	30	housing	housing	NOUN
ajeer-199	16	31	market	market	NOUN
ajeer-199	16	32	conditions	condition	NOUN
ajeer-199	16	33	"	"	PUNCT
ajeer-199	16	34	,	,	PUNCT
ajeer-199	16	35	"	"	PUNCT
ajeer-199	16	36	personal	personal	ADJ
ajeer-199	16	37	factors	factor	NOUN
ajeer-199	16	38	"	"	PUNCT
ajeer-199	16	39	,	,	PUNCT
ajeer-199	16	40	"	"	PUNCT
ajeer-199	16	41	economic	economic	ADJ
ajeer-199	16	42	factors	factor	NOUN
ajeer-199	16	43	"	"	PUNCT
ajeer-199	16	44	,	,	PUNCT
ajeer-199	16	45	"	"	PUNCT
ajeer-199	16	46	mortgage	mortgage	NOUN
ajeer-199	16	47	lender	lender	NOUN
ajeer-199	16	48	policy	policy	NOUN
ajeer-199	16	49	"	"	PUNCT
ajeer-199	16	50	,	,	PUNCT
ajeer-199	16	51	"	"	PUNCT
ajeer-199	16	52	housing	housing	NOUN
ajeer-199	16	53	alternatives	alternative	NOUN
ajeer-199	16	54	"	"	PUNCT
ajeer-199	16	55	,	,	PUNCT
ajeer-199	16	56	"	"	PUNCT
ajeer-199	16	57	knowledge	knowledge	NOUN
ajeer-199	16	58	"	"	PUNCT
ajeer-199	16	59	,	,	PUNCT
ajeer-199	16	60	and	and	CCONJ
ajeer-199	16	61	"	"	PUNCT
ajeer-199	16	62	social	social	ADJ
ajeer-199	16	63	factors	factor	NOUN
ajeer-199	16	64	"	"	PUNCT
ajeer-199	16	65	.	.	PUNCT
ajeer-199	17	1	the	the	DET
ajeer-199	17	2	weights	weight	NOUN
ajeer-199	17	3	of	of	ADP
ajeer-199	17	4	the	the	DET
ajeer-199	17	5	first	first	ADJ
ajeer-199	17	6	four	four	NUM
ajeer-199	17	7	factors	factor	NOUN
ajeer-199	17	8	were	be	AUX
ajeer-199	17	9	as	as	ADV
ajeer-199	17	10	high	high	ADJ
ajeer-199	17	11	as	as	ADP
ajeer-199	17	12	70.99	70.99	NUM
ajeer-199	17	13	%	%	NOUN
ajeer-199	17	14	(	(	PUNCT
ajeer-199	17	15	buckley‟s	buckley‟s	NOUN
ajeer-199	17	16	method	method	NOUN
ajeer-199	17	17	)	)	PUNCT
ajeer-199	17	18	and	and	CCONJ
ajeer-199	17	19	69.70	69.70	NUM
ajeer-199	17	20	%	%	NOUN
ajeer-199	17	21	(	(	PUNCT
ajeer-199	17	22	chang‟s	chang‟s	NOUN
ajeer-199	17	23	method	method	NOUN
ajeer-199	17	24	)	)	PUNCT
ajeer-199	17	25	.	.	PUNCT
ajeer-199	18	1	these	these	DET
ajeer-199	18	2	four	four	NUM
ajeer-199	18	3	items	item	NOUN
ajeer-199	18	4	,	,	PUNCT
ajeer-199	18	5	have	have	VERB
ajeer-199	18	6	the	the	DET
ajeer-199	18	7	most	most	ADJ
ajeer-199	18	8	impact	impact	NOUN
ajeer-199	18	9	on	on	ADP
ajeer-199	18	10	household	household	NOUN
ajeer-199	18	11	demand	demand	NOUN
ajeer-199	18	12	considerations	consideration	NOUN
ajeer-199	18	13	when	when	SCONJ
ajeer-199	18	14	opting	opt	VERB
ajeer-199	18	15	for	for	ADP
ajeer-199	18	16	a	a	DET
ajeer-199	18	17	mortgage	mortgage	NOUN
ajeer-199	18	18	loan	loan	NOUN
ajeer-199	18	19	.	.	PUNCT
ajeer-199	19	1	if	if	SCONJ
ajeer-199	19	2	these	these	DET
ajeer-199	19	3	factors	factor	NOUN
ajeer-199	19	4	are	be	AUX
ajeer-199	19	5	significantly	significantly	ADV
ajeer-199	19	6	improved	improve	VERB
ajeer-199	19	7	,	,	PUNCT
ajeer-199	19	8	then	then	ADV
ajeer-199	19	9	,	,	PUNCT
ajeer-199	19	10	they	they	PRON
ajeer-199	19	11	can	can	AUX
ajeer-199	19	12	have	have	VERB
ajeer-199	19	13	a	a	DET
ajeer-199	19	14	positive	positive	ADJ
ajeer-199	19	15	microeconomic	microeconomic	ADJ
ajeer-199	19	16	impact	impact	NOUN
ajeer-199	19	17	on	on	ADP
ajeer-199	19	18	actual	actual	ADJ
ajeer-199	19	19	households	household	NOUN
ajeer-199	19	20	demand	demand	NOUN
ajeer-199	19	21	for	for	ADP
ajeer-199	19	22	mortgage	mortgage	NOUN
ajeer-199	19	23	loans	loan	NOUN
ajeer-199	19	24	,	,	PUNCT
ajeer-199	19	25	in	in	ADP
ajeer-199	19	26	turn	turn	NOUN
ajeer-199	19	27	making	make	VERB
ajeer-199	19	28	the	the	DET
ajeer-199	19	29	mortgage	mortgage	NOUN
ajeer-199	19	30	market	market	NOUN
ajeer-199	19	31	a	a	DET
ajeer-199	19	32	lucrative	lucrative	ADJ
ajeer-199	19	33	business	business	NOUN
ajeer-199	19	34	.	.	PUNCT
ajeer-199	20	1	keywords	keyword	NOUN
ajeer-199	20	2	:	:	PUNCT
ajeer-199	20	3	mortgage	mortgage	NOUN
ajeer-199	20	4	loan	loan	NOUN
ajeer-199	20	5	,	,	PUNCT
ajeer-199	20	6	fuzzy	fuzzy	ADJ
ajeer-199	20	7	analytical	analytical	ADJ
ajeer-199	20	8	hierarchy	hierarchy	NOUN
ajeer-199	20	9	process	process	NOUN
ajeer-199	20	10	,	,	PUNCT
ajeer-199	20	11	households	household	NOUN
ajeer-199	20	12	,	,	PUNCT
ajeer-199	20	13	weight	weight	NOUN
ajeer-199	20	14	calculation	calculation	NOUN
ajeer-199	20	15	.	.	PUNCT
ajeer-199	21	1	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajeer-199	21	2	asian	asian	PROPN
ajeer-199	21	3	journal	journal	PROPN
ajeer-199	21	4	of	of	ADP
ajeer-199	21	5	economics	economic	NOUN
ajeer-199	21	6	and	and	CCONJ
ajeer-199	21	7	empirical	empirical	ADJ
ajeer-199	21	8	research	research	NOUN
ajeer-199	21	9	,	,	PUNCT
ajeer-199	21	10	2015	2015	NUM
ajeer-199	21	11	,	,	PUNCT
ajeer-199	21	12	2(2	2(2	NUM
ajeer-199	21	13	):	):	PUNCT
ajeer-199	21	14	52	52	NUM
ajeer-199	21	15	-	-	SYM
ajeer-199	21	16	61	61	NUM
ajeer-199	21	17	53	53	NUM
ajeer-199	21	18	1	1	NUM
ajeer-199	21	19	.	.	PUNCT
ajeer-199	21	20	introduction	introduction	NOUN
ajeer-199	21	21	today	today	NOUN
ajeer-199	21	22	,	,	PUNCT
ajeer-199	21	23	the	the	DET
ajeer-199	21	24	demand	demand	NOUN
ajeer-199	21	25	for	for	ADP
ajeer-199	21	26	mortgage	mortgage	NOUN
ajeer-199	21	27	across	across	ADP
ajeer-199	21	28	the	the	DET
ajeer-199	21	29	entire	entire	ADJ
ajeer-199	21	30	globe	globe	NOUN
ajeer-199	21	31	is	be	AUX
ajeer-199	21	32	on	on	ADP
ajeer-199	21	33	the	the	DET
ajeer-199	21	34	ascendancy	ascendancy	NOUN
ajeer-199	21	35	.	.	PUNCT
ajeer-199	22	1	perhaps	perhaps	ADV
ajeer-199	22	2	,	,	PUNCT
ajeer-199	22	3	this	this	PRON
ajeer-199	22	4	is	be	AUX
ajeer-199	22	5	largely	largely	ADV
ajeer-199	22	6	informed	inform	VERB
ajeer-199	22	7	by	by	ADP
ajeer-199	22	8	the	the	DET
ajeer-199	22	9	high	high	ADJ
ajeer-199	22	10	growth	growth	NOUN
ajeer-199	22	11	of	of	ADP
ajeer-199	22	12	population	population	NOUN
ajeer-199	22	13	and	and	CCONJ
ajeer-199	22	14	its	its	PRON
ajeer-199	22	15	accompanying	accompany	VERB
ajeer-199	22	16	developments	development	NOUN
ajeer-199	22	17	.	.	PUNCT
ajeer-199	23	1	as	as	SCONJ
ajeer-199	23	2	economies	economy	NOUN
ajeer-199	23	3	develop	develop	VERB
ajeer-199	23	4	,	,	PUNCT
ajeer-199	23	5	it	it	PRON
ajeer-199	23	6	appears	appear	VERB
ajeer-199	23	7	that	that	SCONJ
ajeer-199	23	8	,	,	PUNCT
ajeer-199	23	9	the	the	DET
ajeer-199	23	10	provision	provision	NOUN
ajeer-199	23	11	of	of	ADP
ajeer-199	23	12	housing	housing	NOUN
ajeer-199	23	13	finance	finance	NOUN
ajeer-199	23	14	is	be	AUX
ajeer-199	23	15	moving	move	VERB
ajeer-199	23	16	away	away	ADV
ajeer-199	23	17	from	from	ADP
ajeer-199	23	18	extensive	extensive	ADJ
ajeer-199	23	19	reliance	reliance	NOUN
ajeer-199	23	20	on	on	ADP
ajeer-199	23	21	special	special	ADJ
ajeer-199	23	22	circuits	circuit	NOUN
ajeer-199	23	23	towards	towards	ADP
ajeer-199	23	24	integration	integration	NOUN
ajeer-199	23	25	of	of	ADP
ajeer-199	23	26	housing	housing	NOUN
ajeer-199	23	27	finance	finance	NOUN
ajeer-199	23	28	into	into	ADP
ajeer-199	23	29	broader	broad	ADJ
ajeer-199	23	30	financial	financial	ADJ
ajeer-199	23	31	markets	market	NOUN
ajeer-199	23	32	.	.	PUNCT
ajeer-199	24	1	also	also	ADV
ajeer-199	24	2	,	,	PUNCT
ajeer-199	24	3	as	as	SCONJ
ajeer-199	24	4	populations	population	NOUN
ajeer-199	24	5	continue	continue	VERB
ajeer-199	24	6	to	to	PART
ajeer-199	24	7	grow	grow	VERB
ajeer-199	24	8	and	and	CCONJ
ajeer-199	24	9	urbanization	urbanization	NOUN
ajeer-199	24	10	accelerates	accelerate	VERB
ajeer-199	24	11	,	,	PUNCT
ajeer-199	24	12	the	the	DET
ajeer-199	24	13	necessity	necessity	NOUN
ajeer-199	24	14	of	of	ADP
ajeer-199	24	15	providing	provide	VERB
ajeer-199	24	16	adequate	adequate	ADJ
ajeer-199	24	17	housing	housing	NOUN
ajeer-199	24	18	also	also	ADV
ajeer-199	24	19	becomes	become	VERB
ajeer-199	24	20	crucial	crucial	ADJ
ajeer-199	24	21	.	.	PUNCT
ajeer-199	25	1	a	a	DET
ajeer-199	25	2	recent	recent	ADJ
ajeer-199	25	3	publication	publication	NOUN
ajeer-199	25	4	by	by	ADP
ajeer-199	25	5	housing	housing	NOUN
ajeer-199	25	6	finance	finance	NOUN
ajeer-199	25	7	international	international	ADJ
ajeer-199	25	8	(	(	PUNCT
ajeer-199	25	9	hfi	hfi	NOUN
ajeer-199	25	10	)	)	PUNCT
ajeer-199	25	11	shows	show	VERB
ajeer-199	25	12	that	that	SCONJ
ajeer-199	25	13	,	,	PUNCT
ajeer-199	25	14	ghana	ghana	PROPN
ajeer-199	25	15	is	be	AUX
ajeer-199	25	16	facing	face	VERB
ajeer-199	25	17	housing	housing	NOUN
ajeer-199	25	18	shortage	shortage	NOUN
ajeer-199	25	19	which	which	PRON
ajeer-199	25	20	has	have	AUX
ajeer-199	25	21	worsened	worsen	VERB
ajeer-199	25	22	due	due	ADJ
ajeer-199	25	23	to	to	ADP
ajeer-199	25	24	rapid	rapid	ADJ
ajeer-199	25	25	population	population	NOUN
ajeer-199	25	26	growth	growth	NOUN
ajeer-199	25	27	and	and	CCONJ
ajeer-199	25	28	increasing	increase	VERB
ajeer-199	25	29	urbanisation	urbanisation	NOUN
ajeer-199	25	30	;	;	PUNCT
ajeer-199	25	31	ghana	ghana	PROPN
ajeer-199	25	32	real	real	ADJ
ajeer-199	25	33	estate	estate	NOUN
ajeer-199	25	34	developers	developer	NOUN
ajeer-199	25	35	association	association	PROPN
ajeer-199	25	36	(	(	PUNCT
ajeer-199	25	37	greda	greda	NOUN
ajeer-199	25	38	)	)	PUNCT
ajeer-199	25	39	,	,	PUNCT
ajeer-199	25	40	and	and	CCONJ
ajeer-199	25	41	ghana	ghana	PROPN
ajeer-199	25	42	statistical	statistical	ADJ
ajeer-199	25	43	services	service	NOUN
ajeer-199	25	44	(	(	PUNCT
ajeer-199	25	45	gss	gss	PROPN
ajeer-199	25	46	)	)	PUNCT
ajeer-199	25	47	have	have	AUX
ajeer-199	25	48	also	also	ADV
ajeer-199	25	49	revealed	reveal	VERB
ajeer-199	25	50	that	that	SCONJ
ajeer-199	25	51	the	the	DET
ajeer-199	25	52	housing	housing	NOUN
ajeer-199	25	53	deficit	deficit	NOUN
ajeer-199	25	54	in	in	ADP
ajeer-199	25	55	ghana	ghana	PROPN
ajeer-199	25	56	as	as	ADP
ajeer-199	25	57	at	at	ADP
ajeer-199	25	58	2009	2009	NUM
ajeer-199	25	59	stands	stand	VERB
ajeer-199	25	60	at	at	ADP
ajeer-199	25	61	one	one	NUM
ajeer-199	25	62	million	million	NUM
ajeer-199	25	63	(	(	PUNCT
ajeer-199	25	64	1,000,000	1,000,000	NUM
ajeer-199	25	65	)	)	PUNCT
ajeer-199	25	66	housing	housing	NOUN
ajeer-199	25	67	units	unit	NOUN
ajeer-199	25	68	(	(	PUNCT
ajeer-199	25	69	contributor	contributor	NOUN
ajeer-199	25	70	,	,	PUNCT
ajeer-199	25	71	2009	2009	NUM
ajeer-199	25	72	)	)	PUNCT
ajeer-199	25	73	.	.	PUNCT
ajeer-199	26	1	this	this	DET
ajeer-199	26	2	phenomenon	phenomenon	NOUN
ajeer-199	26	3	of	of	ADP
ajeer-199	26	4	housing	housing	NOUN
ajeer-199	26	5	shortages	shortage	NOUN
ajeer-199	26	6	in	in	ADP
ajeer-199	26	7	ghana	ghana	PROPN
ajeer-199	26	8	to	to	ADP
ajeer-199	26	9	a	a	DET
ajeer-199	26	10	large	large	ADJ
ajeer-199	26	11	extent	extent	NOUN
ajeer-199	26	12	could	could	AUX
ajeer-199	26	13	be	be	AUX
ajeer-199	26	14	reduced	reduce	VERB
ajeer-199	26	15	if	if	SCONJ
ajeer-199	26	16	not	not	PART
ajeer-199	26	17	eliminated	eliminate	VERB
ajeer-199	26	18	through	through	ADP
ajeer-199	26	19	the	the	DET
ajeer-199	26	20	availability	availability	NOUN
ajeer-199	26	21	of	of	ADP
ajeer-199	26	22	mortgage	mortgage	NOUN
ajeer-199	26	23	loans	loan	NOUN
ajeer-199	26	24	.	.	PUNCT
ajeer-199	27	1	the	the	DET
ajeer-199	27	2	challenge	challenge	NOUN
ajeer-199	27	3	confronting	confront	VERB
ajeer-199	27	4	city	city	NOUN
ajeer-199	27	5	dwellers	dweller	NOUN
ajeer-199	27	6	in	in	ADP
ajeer-199	27	7	terms	term	NOUN
ajeer-199	27	8	of	of	ADP
ajeer-199	27	9	accommodation	accommodation	NOUN
ajeer-199	27	10	is	be	AUX
ajeer-199	27	11	enormous	enormous	ADJ
ajeer-199	27	12	.	.	PUNCT
ajeer-199	28	1	most	most	ADJ
ajeer-199	28	2	residents	resident	NOUN
ajeer-199	28	3	of	of	ADP
ajeer-199	28	4	cities	city	NOUN
ajeer-199	28	5	and	and	CCONJ
ajeer-199	28	6	large	large	ADJ
ajeer-199	28	7	towns	town	NOUN
ajeer-199	28	8	in	in	ADP
ajeer-199	28	9	ghana	ghana	PROPN
ajeer-199	28	10	encounter	encounter	VERB
ajeer-199	28	11	serious	serious	ADJ
ajeer-199	28	12	accommodation	accommodation	NOUN
ajeer-199	28	13	problems	problem	NOUN
ajeer-199	28	14	as	as	SCONJ
ajeer-199	28	15	they	they	PRON
ajeer-199	28	16	desperately	desperately	ADV
ajeer-199	28	17	look	look	VERB
ajeer-199	28	18	for	for	ADP
ajeer-199	28	19	decent	decent	ADJ
ajeer-199	28	20	and	and	CCONJ
ajeer-199	28	21	reasonably	reasonably	ADV
ajeer-199	28	22	priced	price	VERB
ajeer-199	28	23	houses	house	NOUN
ajeer-199	28	24	to	to	PART
ajeer-199	28	25	rent	rent	VERB
ajeer-199	28	26	.	.	PUNCT
ajeer-199	29	1	according	accord	VERB
ajeer-199	29	2	to	to	ADP
ajeer-199	29	3	coomson	coomson	PROPN
ajeer-199	29	4	(	(	PUNCT
ajeer-199	29	5	2006	2006	NUM
ajeer-199	29	6	)	)	PUNCT
ajeer-199	29	7	,	,	PUNCT
ajeer-199	29	8	home	home	NOUN
ajeer-199	29	9	ownership	ownership	NOUN
ajeer-199	29	10	remains	remain	VERB
ajeer-199	29	11	the	the	DET
ajeer-199	29	12	key	key	ADJ
ajeer-199	29	13	priority	priority	NOUN
ajeer-199	29	14	of	of	ADP
ajeer-199	29	15	most	most	ADJ
ajeer-199	29	16	ghanaians	ghanaians	PROPN
ajeer-199	29	17	.	.	PUNCT
ajeer-199	30	1	however	however	ADV
ajeer-199	30	2	due	due	ADP
ajeer-199	30	3	to	to	ADP
ajeer-199	30	4	limited	limited	ADJ
ajeer-199	30	5	sources	source	NOUN
ajeer-199	30	6	of	of	ADP
ajeer-199	30	7	mortgages	mortgage	NOUN
ajeer-199	30	8	,	,	PUNCT
ajeer-199	30	9	this	this	DET
ajeer-199	30	10	priority	priority	NOUN
ajeer-199	30	11	has	have	AUX
ajeer-199	30	12	remained	remain	VERB
ajeer-199	30	13	a	a	DET
ajeer-199	30	14	dream	dream	NOUN
ajeer-199	30	15	for	for	ADP
ajeer-199	30	16	a	a	DET
ajeer-199	30	17	significant	significant	ADJ
ajeer-199	30	18	proportion	proportion	NOUN
ajeer-199	30	19	of	of	ADP
ajeer-199	30	20	the	the	DET
ajeer-199	30	21	population	population	NOUN
ajeer-199	30	22	.	.	PUNCT
ajeer-199	31	1	the	the	DET
ajeer-199	31	2	benefits	benefit	NOUN
ajeer-199	31	3	of	of	ADP
ajeer-199	31	4	housing	housing	NOUN
ajeer-199	31	5	can	can	AUX
ajeer-199	31	6	not	not	PART
ajeer-199	31	7	be	be	AUX
ajeer-199	31	8	underestimated	underestimate	VERB
ajeer-199	31	9	.	.	PUNCT
ajeer-199	32	1	housing	housing	NOUN
ajeer-199	32	2	provides	provide	VERB
ajeer-199	32	3	shelter	shelter	NOUN
ajeer-199	32	4	for	for	ADP
ajeer-199	32	5	individuals	individual	NOUN
ajeer-199	32	6	and	and	CCONJ
ajeer-199	32	7	corporate	corporate	ADJ
ajeer-199	32	8	organisations	organisation	NOUN
ajeer-199	32	9	,	,	PUNCT
ajeer-199	32	10	creating	create	VERB
ajeer-199	32	11	conducive	conducive	ADJ
ajeer-199	32	12	environments	environment	NOUN
ajeer-199	32	13	for	for	ADP
ajeer-199	32	14	both	both	CCONJ
ajeer-199	32	15	the	the	DET
ajeer-199	32	16	individual	individual	ADJ
ajeer-199	32	17	and	and	CCONJ
ajeer-199	32	18	corporate	corporate	ADJ
ajeer-199	32	19	bodies	body	NOUN
ajeer-199	32	20	to	to	PART
ajeer-199	32	21	carry	carry	VERB
ajeer-199	32	22	on	on	ADP
ajeer-199	32	23	their	their	PRON
ajeer-199	32	24	activities	activity	NOUN
ajeer-199	32	25	.	.	PUNCT
ajeer-199	33	1	in	in	ADP
ajeer-199	33	2	addition	addition	NOUN
ajeer-199	33	3	,	,	PUNCT
ajeer-199	33	4	the	the	DET
ajeer-199	33	5	basic	basic	ADJ
ajeer-199	33	6	needs	need	NOUN
ajeer-199	33	7	theory	theory	NOUN
ajeer-199	33	8	provides	provide	VERB
ajeer-199	33	9	that	that	SCONJ
ajeer-199	33	10	,	,	PUNCT
ajeer-199	33	11	housing	housing	NOUN
ajeer-199	33	12	,	,	PUNCT
ajeer-199	33	13	like	like	ADP
ajeer-199	33	14	food	food	NOUN
ajeer-199	33	15	and	and	CCONJ
ajeer-199	33	16	water	water	NOUN
ajeer-199	33	17	,	,	PUNCT
ajeer-199	33	18	is	be	AUX
ajeer-199	33	19	a	a	DET
ajeer-199	33	20	basic	basic	ADJ
ajeer-199	33	21	need	need	NOUN
ajeer-199	33	22	and	and	CCONJ
ajeer-199	33	23	a	a	DET
ajeer-199	33	24	necessity	necessity	NOUN
ajeer-199	33	25	for	for	ADP
ajeer-199	33	26	the	the	DET
ajeer-199	33	27	existence	existence	NOUN
ajeer-199	33	28	of	of	ADP
ajeer-199	33	29	man	man	NOUN
ajeer-199	33	30	;	;	PUNCT
ajeer-199	33	31	the	the	DET
ajeer-199	33	32	need	need	NOUN
ajeer-199	33	33	for	for	SCONJ
ajeer-199	33	34	individual	individual	ADJ
ajeer-199	33	35	families	family	NOUN
ajeer-199	33	36	to	to	PART
ajeer-199	33	37	acquire	acquire	VERB
ajeer-199	33	38	their	their	PRON
ajeer-199	33	39	own	own	ADJ
ajeer-199	33	40	private	private	ADJ
ajeer-199	33	41	accommodation	accommodation	NOUN
ajeer-199	33	42	which	which	PRON
ajeer-199	33	43	they	they	PRON
ajeer-199	33	44	can	can	AUX
ajeer-199	33	45	call	call	VERB
ajeer-199	33	46	home	home	NOUN
ajeer-199	33	47	,	,	PUNCT
ajeer-199	33	48	has	have	AUX
ajeer-199	33	49	become	become	VERB
ajeer-199	33	50	crucial	crucial	ADJ
ajeer-199	33	51	.	.	PUNCT
ajeer-199	34	1	a	a	DET
ajeer-199	34	2	nation‟s	nation‟s	X
ajeer-199	34	3	labour	labour	ADJ
ajeer-199	34	4	force	force	NOUN
ajeer-199	34	5	is	be	AUX
ajeer-199	34	6	enhanced	enhance	VERB
ajeer-199	34	7	and	and	CCONJ
ajeer-199	34	8	further	far	ADV
ajeer-199	34	9	developed	develop	VERB
ajeer-199	34	10	if	if	SCONJ
ajeer-199	34	11	it	it	PRON
ajeer-199	34	12	has	have	VERB
ajeer-199	34	13	a	a	DET
ajeer-199	34	14	safe	safe	ADJ
ajeer-199	34	15	,	,	PUNCT
ajeer-199	34	16	decent	decent	ADJ
ajeer-199	34	17	and	and	CCONJ
ajeer-199	34	18	affordable	affordable	ADJ
ajeer-199	34	19	means	mean	NOUN
ajeer-199	34	20	of	of	ADP
ajeer-199	34	21	accommodation	accommodation	NOUN
ajeer-199	34	22	.	.	PUNCT
ajeer-199	35	1	in	in	ADP
ajeer-199	35	2	the	the	DET
ajeer-199	35	3	belief	belief	NOUN
ajeer-199	35	4	that	that	SCONJ
ajeer-199	35	5	„	„	PUNCT
ajeer-199	35	6	adequate	adequate	ADJ
ajeer-199	35	7	housing‟	housing‟	PROPN
ajeer-199	35	8	is	be	AUX
ajeer-199	35	9	a	a	DET
ajeer-199	35	10	basic	basic	ADJ
ajeer-199	35	11	human	human	ADJ
ajeer-199	35	12	need	need	NOUN
ajeer-199	35	13	,	,	PUNCT
ajeer-199	35	14	the	the	DET
ajeer-199	35	15	united	united	PROPN
ajeer-199	35	16	nations	nations	PROPN
ajeer-199	35	17	general	general	PROPN
ajeer-199	35	18	assembly	assembly	PROPN
ajeer-199	35	19	(	(	PUNCT
ajeer-199	35	20	unga	unga	PROPN
ajeer-199	35	21	)	)	PUNCT
ajeer-199	35	22	unanimously	unanimously	ADV
ajeer-199	35	23	adopted	adopt	VERB
ajeer-199	35	24	a	a	DET
ajeer-199	35	25	resolution	resolution	NOUN
ajeer-199	35	26	proclaiming	proclaim	VERB
ajeer-199	35	27	1987	1987	NUM
ajeer-199	35	28	the	the	DET
ajeer-199	35	29	international	international	ADJ
ajeer-199	35	30	year	year	NOUN
ajeer-199	35	31	of	of	ADP
ajeer-199	35	32	shelter	shelter	NOUN
ajeer-199	35	33	for	for	ADP
ajeer-199	35	34	the	the	DET
ajeer-199	35	35	homeless	homeless	ADJ
ajeer-199	35	36	(	(	PUNCT
ajeer-199	35	37	tshipinare	tshipinare	NOUN
ajeer-199	35	38	,	,	PUNCT
ajeer-199	35	39	1987	1987	NUM
ajeer-199	35	40	)	)	PUNCT
ajeer-199	35	41	.	.	PUNCT
ajeer-199	36	1	one	one	NUM
ajeer-199	36	2	of	of	ADP
ajeer-199	36	3	the	the	DET
ajeer-199	36	4	major	major	ADJ
ajeer-199	36	5	means	mean	NOUN
ajeer-199	36	6	of	of	ADP
ajeer-199	36	7	raising	raise	VERB
ajeer-199	36	8	funds	fund	NOUN
ajeer-199	36	9	to	to	PART
ajeer-199	36	10	finance	finance	VERB
ajeer-199	36	11	the	the	DET
ajeer-199	36	12	purchase	purchase	NOUN
ajeer-199	36	13	of	of	ADP
ajeer-199	36	14	houses	house	NOUN
ajeer-199	36	15	in	in	ADP
ajeer-199	36	16	many	many	ADJ
ajeer-199	36	17	parts	part	NOUN
ajeer-199	36	18	of	of	ADP
ajeer-199	36	19	the	the	DET
ajeer-199	36	20	world	world	NOUN
ajeer-199	36	21	is	be	AUX
ajeer-199	36	22	through	through	ADP
ajeer-199	36	23	the	the	DET
ajeer-199	36	24	use	use	NOUN
ajeer-199	36	25	of	of	ADP
ajeer-199	36	26	a	a	DET
ajeer-199	36	27	mortgage	mortgage	NOUN
ajeer-199	36	28	.	.	PUNCT
ajeer-199	37	1	apart	apart	ADV
ajeer-199	37	2	from	from	ADP
ajeer-199	37	3	using	use	VERB
ajeer-199	37	4	the	the	DET
ajeer-199	37	5	mortgage	mortgage	NOUN
ajeer-199	37	6	instrument	instrument	NOUN
ajeer-199	37	7	to	to	PART
ajeer-199	37	8	raise	raise	VERB
ajeer-199	37	9	funds	fund	NOUN
ajeer-199	37	10	for	for	ADP
ajeer-199	37	11	acquiring	acquire	VERB
ajeer-199	37	12	residential	residential	ADJ
ajeer-199	37	13	properties	property	NOUN
ajeer-199	37	14	,	,	PUNCT
ajeer-199	37	15	it	it	PRON
ajeer-199	37	16	is	be	AUX
ajeer-199	37	17	also	also	ADV
ajeer-199	37	18	widely	widely	ADV
ajeer-199	37	19	used	use	VERB
ajeer-199	37	20	as	as	ADP
ajeer-199	37	21	a	a	DET
ajeer-199	37	22	means	means	NOUN
ajeer-199	37	23	of	of	ADP
ajeer-199	37	24	raising	raise	VERB
ajeer-199	37	25	capital	capital	NOUN
ajeer-199	37	26	for	for	ADP
ajeer-199	37	27	business	business	NOUN
ajeer-199	37	28	purposes	purpose	NOUN
ajeer-199	37	29	.	.	PUNCT
ajeer-199	38	1	in	in	ADP
ajeer-199	38	2	the	the	DET
ajeer-199	38	3	united	united	ADJ
ajeer-199	38	4	kingdom	kingdom	PROPN
ajeer-199	38	5	,	,	PUNCT
ajeer-199	38	6	for	for	ADP
ajeer-199	38	7	instance	instance	NOUN
ajeer-199	38	8	,	,	PUNCT
ajeer-199	38	9	about	about	ADV
ajeer-199	38	10	95	95	NUM
ajeer-199	38	11	%	%	NOUN
ajeer-199	38	12	of	of	ADP
ajeer-199	38	13	all	all	DET
ajeer-199	38	14	business	business	NOUN
ajeer-199	38	15	,	,	PUNCT
ajeer-199	38	16	responsible	responsible	ADJ
ajeer-199	38	17	for	for	ADP
ajeer-199	38	18	nearly	nearly	ADV
ajeer-199	38	19	one	one	NUM
ajeer-199	38	20	third	third	NOUN
ajeer-199	38	21	of	of	ADP
ajeer-199	38	22	all	all	DET
ajeer-199	38	23	employments	employment	NOUN
ajeer-199	38	24	,	,	PUNCT
ajeer-199	38	25	rely	rely	VERB
ajeer-199	38	26	on	on	ADP
ajeer-199	38	27	the	the	DET
ajeer-199	38	28	mortgage	mortgage	NOUN
ajeer-199	38	29	as	as	ADP
ajeer-199	38	30	a	a	DET
ajeer-199	38	31	method	method	NOUN
ajeer-199	38	32	of	of	ADP
ajeer-199	38	33	raising	raise	VERB
ajeer-199	38	34	finance	finance	NOUN
ajeer-199	38	35	to	to	PART
ajeer-199	38	36	finance	finance	VERB
ajeer-199	38	37	their	their	PRON
ajeer-199	38	38	operations	operation	NOUN
ajeer-199	38	39	(	(	PUNCT
ajeer-199	38	40	gyamfi	gyamfi	NOUN
ajeer-199	38	41	-	-	PUNCT
ajeer-199	38	42	yeboah	yeboah	NOUN
ajeer-199	38	43	and	and	CCONJ
ajeer-199	38	44	boamah	boamah	NOUN
ajeer-199	38	45	,	,	PUNCT
ajeer-199	38	46	2003	2003	NUM
ajeer-199	38	47	)	)	PUNCT
ajeer-199	38	48	.	.	PUNCT
ajeer-199	39	1	the	the	DET
ajeer-199	39	2	unique	unique	ADJ
ajeer-199	39	3	feature	feature	NOUN
ajeer-199	39	4	of	of	ADP
ajeer-199	39	5	housing	housing	NOUN
ajeer-199	39	6	finance	finance	NOUN
ajeer-199	39	7	and	and	CCONJ
ajeer-199	39	8	its	its	PRON
ajeer-199	39	9	relative	relative	ADJ
ajeer-199	39	10	longterm	longterm	PROPN
ajeer-199	39	11	investment	investment	NOUN
ajeer-199	39	12	horizon	horizon	NOUN
ajeer-199	39	13	requires	require	VERB
ajeer-199	39	14	large	large	ADJ
ajeer-199	39	15	amount	amount	NOUN
ajeer-199	39	16	of	of	ADP
ajeer-199	39	17	long	long	ADJ
ajeer-199	39	18	term	term	NOUN
ajeer-199	39	19	finance	finance	NOUN
ajeer-199	39	20	(	(	PUNCT
ajeer-199	39	21	gyamfi	gyamfi	NOUN
ajeer-199	39	22	-	-	PUNCT
ajeer-199	39	23	yeboah	yeboah	NOUN
ajeer-199	39	24	and	and	CCONJ
ajeer-199	39	25	boamah	boamah	NOUN
ajeer-199	39	26	,	,	PUNCT
ajeer-199	39	27	2003	2003	NUM
ajeer-199	39	28	)	)	PUNCT
ajeer-199	39	29	.	.	PUNCT
ajeer-199	40	1	the	the	DET
ajeer-199	40	2	main	main	ADJ
ajeer-199	40	3	aim	aim	NOUN
ajeer-199	40	4	of	of	ADP
ajeer-199	40	5	housing	housing	NOUN
ajeer-199	40	6	finance	finance	NOUN
ajeer-199	40	7	system	system	NOUN
ajeer-199	40	8	is	be	AUX
ajeer-199	40	9	to	to	PART
ajeer-199	40	10	provide	provide	VERB
ajeer-199	40	11	funds	fund	NOUN
ajeer-199	40	12	to	to	ADP
ajeer-199	40	13	the	the	DET
ajeer-199	40	14	producers	producer	NOUN
ajeer-199	40	15	and	and	CCONJ
ajeer-199	40	16	purchasers	purchaser	NOUN
ajeer-199	40	17	of	of	ADP
ajeer-199	40	18	housing	housing	NOUN
ajeer-199	40	19	of	of	ADP
ajeer-199	40	20	both	both	CCONJ
ajeer-199	40	21	rental	rental	ADJ
ajeer-199	40	22	and	and	CCONJ
ajeer-199	40	23	owner	owner	NOUN
ajeer-199	40	24	-	-	PUNCT
ajeer-199	40	25	occupied	occupy	VERB
ajeer-199	40	26	homes	home	NOUN
ajeer-199	40	27	.	.	PUNCT
ajeer-199	41	1	this	this	DET
ajeer-199	41	2	simple	simple	ADJ
ajeer-199	41	3	arrangement	arrangement	NOUN
ajeer-199	41	4	has	have	AUX
ajeer-199	41	5	spawned	spawn	VERB
ajeer-199	41	6	a	a	DET
ajeer-199	41	7	broad	broad	ADJ
ajeer-199	41	8	array	array	NOUN
ajeer-199	41	9	of	of	ADP
ajeer-199	41	10	institutional	institutional	ADJ
ajeer-199	41	11	arrangements	arrangement	NOUN
ajeer-199	41	12	,	,	PUNCT
ajeer-199	41	13	ranging	range	VERB
ajeer-199	41	14	from	from	ADP
ajeer-199	41	15	contractual	contractual	ADJ
ajeer-199	41	16	savings	saving	NOUN
ajeer-199	41	17	scheme	scheme	NOUN
ajeer-199	41	18	to	to	ADP
ajeer-199	41	19	depository	depository	NOUN
ajeer-199	41	20	institutions	institution	NOUN
ajeer-199	41	21	specializing	specialize	VERB
ajeer-199	41	22	in	in	ADP
ajeer-199	41	23	mortgage	mortgage	NOUN
ajeer-199	41	24	finance	finance	NOUN
ajeer-199	41	25	,	,	PUNCT
ajeer-199	41	26	to	to	ADP
ajeer-199	41	27	the	the	DET
ajeer-199	41	28	issuance	issuance	NOUN
ajeer-199	41	29	,	,	PUNCT
ajeer-199	41	30	sale	sale	NOUN
ajeer-199	41	31	and	and	CCONJ
ajeer-199	41	32	trading	trading	NOUN
ajeer-199	41	33	of	of	ADP
ajeer-199	41	34	mortgage	mortgage	NOUN
ajeer-199	41	35	securities	security	NOUN
ajeer-199	41	36	on	on	ADP
ajeer-199	41	37	the	the	DET
ajeer-199	41	38	securities	security	NOUN
ajeer-199	41	39	market	market	NOUN
ajeer-199	41	40	.	.	PUNCT
ajeer-199	42	1	all	all	DET
ajeer-199	42	2	these	these	DET
ajeer-199	42	3	arrangements	arrangement	NOUN
ajeer-199	42	4	also	also	ADV
ajeer-199	42	5	help	help	VERB
ajeer-199	42	6	in	in	ADP
ajeer-199	42	7	channeling	channel	VERB
ajeer-199	42	8	money	money	NOUN
ajeer-199	42	9	from	from	ADP
ajeer-199	42	10	peoples	people	NOUN
ajeer-199	42	11	who	who	PRON
ajeer-199	42	12	have	have	VERB
ajeer-199	42	13	excess	excess	ADJ
ajeer-199	42	14	funds	fund	NOUN
ajeer-199	42	15	to	to	ADP
ajeer-199	42	16	borrowers	borrower	NOUN
ajeer-199	42	17	who	who	PRON
ajeer-199	42	18	are	be	AUX
ajeer-199	42	19	in	in	ADP
ajeer-199	42	20	need	need	NOUN
ajeer-199	42	21	.	.	PUNCT
ajeer-199	43	1	according	accord	VERB
ajeer-199	43	2	to	to	ADP
ajeer-199	43	3	smith	smith	PROPN
ajeer-199	43	4	(	(	PUNCT
ajeer-199	43	5	1996	1996	NUM
ajeer-199	43	6	)	)	PUNCT
ajeer-199	43	7	,	,	PUNCT
ajeer-199	43	8	the	the	DET
ajeer-199	43	9	conventional	conventional	ADJ
ajeer-199	43	10	approach	approach	NOUN
ajeer-199	43	11	takes	take	VERB
ajeer-199	43	12	a	a	DET
ajeer-199	43	13	long	long	ADJ
ajeer-199	43	14	time	time	NOUN
ajeer-199	43	15	,	,	PUNCT
ajeer-199	43	16	often	often	ADV
ajeer-199	43	17	between	between	ADP
ajeer-199	43	18	five	five	NUM
ajeer-199	43	19	and	and	CCONJ
ajeer-199	43	20	fifteen	fifteen	NUM
ajeer-199	43	21	years	year	NOUN
ajeer-199	43	22	,	,	PUNCT
ajeer-199	43	23	for	for	SCONJ
ajeer-199	43	24	participants	participant	NOUN
ajeer-199	43	25	in	in	ADP
ajeer-199	43	26	the	the	DET
ajeer-199	43	27	informal	informal	ADJ
ajeer-199	43	28	sector	sector	NOUN
ajeer-199	43	29	to	to	PART
ajeer-199	43	30	complete	complete	VERB
ajeer-199	43	31	the	the	DET
ajeer-199	43	32	dwelling	dwelling	NOUN
ajeer-199	43	33	,	,	PUNCT
ajeer-199	43	34	which	which	PRON
ajeer-199	43	35	can	can	AUX
ajeer-199	43	36	massively	massively	ADV
ajeer-199	43	37	increase	increase	VERB
ajeer-199	43	38	construction	construction	NOUN
ajeer-199	43	39	costs	cost	NOUN
ajeer-199	43	40	.	.	PUNCT
ajeer-199	44	1	equally	equally	ADV
ajeer-199	44	2	important	important	ADJ
ajeer-199	44	3	,	,	PUNCT
ajeer-199	44	4	funds	fund	NOUN
ajeer-199	44	5	that	that	PRON
ajeer-199	44	6	could	could	AUX
ajeer-199	44	7	effectively	effectively	ADV
ajeer-199	44	8	be	be	AUX
ajeer-199	44	9	used	use	VERB
ajeer-199	44	10	for	for	ADP
ajeer-199	44	11	other	other	ADJ
ajeer-199	44	12	income	income	NOUN
ajeer-199	44	13	-	-	PUNCT
ajeer-199	44	14	generating	generate	VERB
ajeer-199	44	15	ventures	venture	NOUN
ajeer-199	44	16	are	be	AUX
ajeer-199	44	17	tied	tie	VERB
ajeer-199	44	18	up	up	ADP
ajeer-199	44	19	in	in	ADP
ajeer-199	44	20	the	the	DET
ajeer-199	44	21	property	property	NOUN
ajeer-199	44	22	causing	cause	VERB
ajeer-199	44	23	business	business	NOUN
ajeer-199	44	24	to	to	PART
ajeer-199	44	25	thrive	thrive	VERB
ajeer-199	44	26	or	or	CCONJ
ajeer-199	44	27	operate	operate	VERB
ajeer-199	44	28	on	on	ADP
ajeer-199	44	29	meagre	meagre	ADJ
ajeer-199	44	30	funds	fund	NOUN
ajeer-199	44	31	and	and	CCONJ
ajeer-199	44	32	thereby	thereby	ADV
ajeer-199	44	33	creating	create	VERB
ajeer-199	44	34	a	a	DET
ajeer-199	44	35	lot	lot	NOUN
ajeer-199	44	36	of	of	ADP
ajeer-199	44	37	dead	dead	ADJ
ajeer-199	44	38	capital	capital	NOUN
ajeer-199	44	39	.	.	PUNCT
ajeer-199	45	1	this	this	DET
ajeer-199	45	2	approach	approach	NOUN
ajeer-199	45	3	is	be	AUX
ajeer-199	45	4	seen	see	VERB
ajeer-199	45	5	as	as	ADP
ajeer-199	45	6	expensive	expensive	ADJ
ajeer-199	45	7	and	and	CCONJ
ajeer-199	45	8	ineffective	ineffective	ADJ
ajeer-199	45	9	(	(	PUNCT
ajeer-199	45	10	asare	asare	ADJ
ajeer-199	45	11	and	and	CCONJ
ajeer-199	45	12	whitehead	whitehead	PROPN
ajeer-199	45	13	,	,	PUNCT
ajeer-199	45	14	2006	2006	NUM
ajeer-199	45	15	)	)	PUNCT
ajeer-199	45	16	,	,	PUNCT
ajeer-199	45	17	causing	cause	VERB
ajeer-199	45	18	the	the	DET
ajeer-199	45	19	housing	housing	NOUN
ajeer-199	45	20	deficit	deficit	NOUN
ajeer-199	45	21	gap	gap	NOUN
ajeer-199	45	22	to	to	PART
ajeer-199	45	23	be	be	AUX
ajeer-199	45	24	widened	widen	VERB
ajeer-199	45	25	.	.	PUNCT
ajeer-199	46	1	after	after	ADP
ajeer-199	46	2	independence	independence	NOUN
ajeer-199	46	3	,	,	PUNCT
ajeer-199	46	4	the	the	DET
ajeer-199	46	5	government‟s	government‟s	ADJ
ajeer-199	46	6	commitment	commitment	NOUN
ajeer-199	46	7	to	to	PART
ajeer-199	46	8	increase	increase	VERB
ajeer-199	46	9	the	the	DET
ajeer-199	46	10	housing	housing	NOUN
ajeer-199	46	11	stock	stock	NOUN
ajeer-199	46	12	in	in	ADP
ajeer-199	46	13	ghana	ghana	PROPN
ajeer-199	46	14	necessitated	necessitate	VERB
ajeer-199	46	15	the	the	DET
ajeer-199	46	16	establishment	establishment	NOUN
ajeer-199	46	17	of	of	ADP
ajeer-199	46	18	institutions	institution	NOUN
ajeer-199	46	19	like	like	ADP
ajeer-199	46	20	bank	bank	NOUN
ajeer-199	46	21	of	of	ADP
ajeer-199	46	22	housing	housing	NOUN
ajeer-199	46	23	and	and	CCONJ
ajeer-199	46	24	construction	construction	NOUN
ajeer-199	46	25	(	(	PUNCT
ajeer-199	46	26	now	now	ADV
ajeer-199	46	27	defunct	defunct	ADJ
ajeer-199	46	28	)	)	PUNCT
ajeer-199	46	29	and	and	CCONJ
ajeer-199	46	30	the	the	DET
ajeer-199	46	31	state	state	NOUN
ajeer-199	46	32	housing	housing	NOUN
ajeer-199	46	33	company	company	NOUN
ajeer-199	46	34	.	.	PUNCT
ajeer-199	47	1	failure	failure	NOUN
ajeer-199	47	2	for	for	ADP
ajeer-199	47	3	these	these	DET
ajeer-199	47	4	institutions	institution	NOUN
ajeer-199	47	5	to	to	PART
ajeer-199	47	6	live	live	VERB
ajeer-199	47	7	up	up	ADP
ajeer-199	47	8	to	to	ADP
ajeer-199	47	9	expectation	expectation	NOUN
ajeer-199	47	10	lead	lead	NOUN
ajeer-199	47	11	to	to	ADP
ajeer-199	47	12	the	the	DET
ajeer-199	47	13	supply	supply	NOUN
ajeer-199	47	14	of	of	ADP
ajeer-199	47	15	housing	housing	NOUN
ajeer-199	47	16	through	through	ADP
ajeer-199	47	17	the	the	DET
ajeer-199	47	18	incremental	incremental	NOUN
ajeer-199	47	19	and	and	CCONJ
ajeer-199	47	20	the	the	DET
ajeer-199	47	21	conventional	conventional	ADJ
ajeer-199	47	22	approach	approach	NOUN
ajeer-199	47	23	where	where	SCONJ
ajeer-199	47	24	people	people	NOUN
ajeer-199	47	25	use	use	VERB
ajeer-199	47	26	sweat	sweat	NOUN
ajeer-199	47	27	equity	equity	NOUN
ajeer-199	47	28	,	,	PUNCT
ajeer-199	47	29	barter	barter	NOUN
ajeer-199	47	30	arrangements	arrangement	NOUN
ajeer-199	47	31	and	and	CCONJ
ajeer-199	47	32	remittances	remittance	NOUN
ajeer-199	47	33	from	from	ADP
ajeer-199	47	34	abroad	abroad	ADV
ajeer-199	47	35	to	to	PART
ajeer-199	47	36	build	build	VERB
ajeer-199	47	37	their	their	PRON
ajeer-199	47	38	houses	house	NOUN
ajeer-199	47	39	(	(	PUNCT
ajeer-199	47	40	erguden	erguden	ADJ
ajeer-199	47	41	,	,	PUNCT
ajeer-199	47	42	2002	2002	NUM
ajeer-199	47	43	)	)	PUNCT
ajeer-199	47	44	.	.	PUNCT
ajeer-199	48	1	to	to	PART
ajeer-199	48	2	fill	fill	VERB
ajeer-199	48	3	this	this	DET
ajeer-199	48	4	gap	gap	NOUN
ajeer-199	48	5	,	,	PUNCT
ajeer-199	48	6	the	the	DET
ajeer-199	48	7	government	government	NOUN
ajeer-199	48	8	enacted	enact	VERB
ajeer-199	48	9	the	the	DET
ajeer-199	48	10	home	home	NOUN
ajeer-199	48	11	mortgage	mortgage	NOUN
ajeer-199	48	12	finance	finance	NOUN
ajeer-199	48	13	law	law	NOUN
ajeer-199	48	14	1993	1993	NUM
ajeer-199	48	15	,	,	PUNCT
ajeer-199	48	16	“	"	PUNCT
ajeer-199	48	17	pndcl	pndcl	NOUN
ajeer-199	48	18	329	329	NUM
ajeer-199	48	19	”	"	PUNCT
ajeer-199	48	20	,	,	PUNCT
ajeer-199	48	21	which	which	PRON
ajeer-199	48	22	lead	lead	VERB
ajeer-199	48	23	to	to	ADP
ajeer-199	48	24	the	the	DET
ajeer-199	48	25	establishment	establishment	NOUN
ajeer-199	48	26	of	of	ADP
ajeer-199	48	27	the	the	DET
ajeer-199	48	28	home	home	NOUN
ajeer-199	48	29	finance	finance	NOUN
ajeer-199	48	30	company	company	NOUN
ajeer-199	48	31	now	now	ADV
ajeer-199	48	32	hfc	hfc	PROPN
ajeer-199	48	33	bank	bank	PROPN
ajeer-199	48	34	ghana	ghana	PROPN
ajeer-199	48	35	limited	limit	VERB
ajeer-199	48	36	.	.	PUNCT
ajeer-199	49	1	the	the	DET
ajeer-199	49	2	objective	objective	NOUN
ajeer-199	49	3	of	of	ADP
ajeer-199	49	4	this	this	DET
ajeer-199	49	5	company	company	NOUN
ajeer-199	49	6	was	be	AUX
ajeer-199	49	7	to	to	PART
ajeer-199	49	8	provide	provide	VERB
ajeer-199	49	9	the	the	DET
ajeer-199	49	10	service	service	NOUN
ajeer-199	49	11	of	of	ADP
ajeer-199	49	12	mortgage	mortgage	NOUN
ajeer-199	49	13	and	and	CCONJ
ajeer-199	49	14	also	also	ADV
ajeer-199	49	15	to	to	PART
ajeer-199	49	16	raise	raise	VERB
ajeer-199	49	17	funds	fund	NOUN
ajeer-199	49	18	for	for	ADP
ajeer-199	49	19	mortgage	mortgage	NOUN
ajeer-199	49	20	finance	finance	NOUN
ajeer-199	49	21	.	.	PUNCT
ajeer-199	50	1	even	even	ADV
ajeer-199	50	2	though	though	SCONJ
ajeer-199	50	3	hfc	hfc	ADJ
ajeer-199	50	4	was	be	AUX
ajeer-199	50	5	particularly	particularly	ADV
ajeer-199	50	6	established	establish	VERB
ajeer-199	50	7	to	to	PART
ajeer-199	50	8	facilitate	facilitate	VERB
ajeer-199	50	9	the	the	DET
ajeer-199	50	10	development	development	NOUN
ajeer-199	50	11	of	of	ADP
ajeer-199	50	12	the	the	DET
ajeer-199	50	13	mortgage	mortgage	NOUN
ajeer-199	50	14	sector	sector	NOUN
ajeer-199	50	15	,	,	PUNCT
ajeer-199	50	16	the	the	DET
ajeer-199	50	17	recent	recent	ADJ
ajeer-199	50	18	introduction	introduction	NOUN
ajeer-199	50	19	of	of	ADP
ajeer-199	50	20	the	the	DET
ajeer-199	50	21	universal	universal	ADJ
ajeer-199	50	22	banking	banking	NOUN
ajeer-199	50	23	license	license	NOUN
ajeer-199	50	24	by	by	ADP
ajeer-199	50	25	the	the	DET
ajeer-199	50	26	central	central	ADJ
ajeer-199	50	27	bank	bank	NOUN
ajeer-199	50	28	has	have	AUX
ajeer-199	50	29	removed	remove	VERB
ajeer-199	50	30	or	or	CCONJ
ajeer-199	50	31	blurred	blur	VERB
ajeer-199	50	32	the	the	DET
ajeer-199	50	33	boundary	boundary	NOUN
ajeer-199	50	34	and	and	CCONJ
ajeer-199	50	35	thereby	thereby	ADV
ajeer-199	50	36	has	have	AUX
ajeer-199	50	37	allowed	allow	VERB
ajeer-199	50	38	a	a	DET
ajeer-199	50	39	number	number	NOUN
ajeer-199	50	40	of	of	ADP
ajeer-199	50	41	banks	bank	NOUN
ajeer-199	50	42	(	(	PUNCT
ajeer-199	50	43	i.e.	i.e.	X
ajeer-199	50	44	merchant	merchant	NOUN
ajeer-199	50	45	and	and	CCONJ
ajeer-199	50	46	investment	investment	NOUN
ajeer-199	50	47	banks	bank	NOUN
ajeer-199	50	48	)	)	PUNCT
ajeer-199	50	49	and	and	CCONJ
ajeer-199	50	50	other	other	ADJ
ajeer-199	50	51	private	private	ADJ
ajeer-199	50	52	individual	individual	ADJ
ajeer-199	50	53	firms	firm	NOUN
ajeer-199	50	54	to	to	PART
ajeer-199	50	55	enter	enter	VERB
ajeer-199	50	56	into	into	ADP
ajeer-199	50	57	the	the	DET
ajeer-199	50	58	sector	sector	NOUN
ajeer-199	50	59	.	.	PUNCT
ajeer-199	51	1	in	in	ADP
ajeer-199	51	2	view	view	NOUN
ajeer-199	51	3	of	of	ADP
ajeer-199	51	4	this	this	PRON
ajeer-199	51	5	,	,	PUNCT
ajeer-199	51	6	other	other	ADJ
ajeer-199	51	7	banks	bank	NOUN
ajeer-199	51	8	are	be	AUX
ajeer-199	51	9	now	now	ADV
ajeer-199	51	10	offering	offer	VERB
ajeer-199	51	11	mortgage	mortgage	NOUN
ajeer-199	51	12	loans	loan	NOUN
ajeer-199	51	13	within	within	ADP
ajeer-199	51	14	the	the	DET
ajeer-199	51	15	banking	banking	NOUN
ajeer-199	51	16	industry	industry	NOUN
ajeer-199	51	17	whiles	while	NOUN
ajeer-199	51	18	hfc	hfc	NOUN
ajeer-199	51	19	has	have	AUX
ajeer-199	51	20	ceased	cease	VERB
ajeer-199	51	21	it	it	PRON
ajeer-199	51	22	functionality	functionality	NOUN
ajeer-199	51	23	in	in	ADP
ajeer-199	51	24	this	this	DET
ajeer-199	51	25	sector	sector	NOUN
ajeer-199	51	26	.	.	PUNCT
ajeer-199	52	1	residential	residential	ADJ
ajeer-199	52	2	property	property	NOUN
ajeer-199	52	3	makes	make	VERB
ajeer-199	52	4	up	up	ADP
ajeer-199	52	5	a	a	DET
ajeer-199	52	6	significant	significant	ADJ
ajeer-199	52	7	component	component	NOUN
ajeer-199	52	8	of	of	ADP
ajeer-199	52	9	the	the	DET
ajeer-199	52	10	stock	stock	NOUN
ajeer-199	52	11	of	of	ADP
ajeer-199	52	12	property	property	NOUN
ajeer-199	52	13	in	in	ADP
ajeer-199	52	14	ghana	ghana	PROPN
ajeer-199	52	15	but	but	CCONJ
ajeer-199	52	16	the	the	DET
ajeer-199	52	17	irony	irony	NOUN
ajeer-199	52	18	of	of	ADP
ajeer-199	52	19	the	the	DET
ajeer-199	52	20	matter	matter	NOUN
ajeer-199	52	21	is	be	AUX
ajeer-199	52	22	that	that	SCONJ
ajeer-199	52	23	ghana	ghana	PROPN
ajeer-199	52	24	still	still	ADV
ajeer-199	52	25	faces	face	VERB
ajeer-199	52	26	housing	housing	NOUN
ajeer-199	52	27	shortage	shortage	NOUN
ajeer-199	52	28	which	which	PRON
ajeer-199	52	29	has	have	AUX
ajeer-199	52	30	worsened	worsen	VERB
ajeer-199	52	31	in	in	ADP
ajeer-199	52	32	recent	recent	ADJ
ajeer-199	52	33	times	time	NOUN
ajeer-199	52	34	due	due	ADP
ajeer-199	52	35	to	to	ADP
ajeer-199	52	36	rapid	rapid	ADJ
ajeer-199	52	37	population	population	NOUN
ajeer-199	52	38	growth	growth	NOUN
ajeer-199	52	39	and	and	CCONJ
ajeer-199	52	40	increasing	increase	VERB
ajeer-199	52	41	urbanisation	urbanisation	NOUN
ajeer-199	52	42	.	.	PUNCT
ajeer-199	53	1	notwithstanding	notwithstanding	ADP
ajeer-199	53	2	the	the	DET
ajeer-199	53	3	recent	recent	ADJ
ajeer-199	53	4	improvement	improvement	NOUN
ajeer-199	53	5	in	in	ADP
ajeer-199	53	6	urban	urban	ADJ
ajeer-199	53	7	housing	housing	NOUN
ajeer-199	53	8	development	development	NOUN
ajeer-199	53	9	activities	activity	NOUN
ajeer-199	53	10	by	by	ADP
ajeer-199	53	11	the	the	DET
ajeer-199	53	12	both	both	CCONJ
ajeer-199	53	13	the	the	DET
ajeer-199	53	14	government	government	NOUN
ajeer-199	53	15	and	and	CCONJ
ajeer-199	53	16	individuals	individual	NOUN
ajeer-199	53	17	,	,	PUNCT
ajeer-199	53	18	increasing	increase	VERB
ajeer-199	53	19	overcrowding	overcrowding	NOUN
ajeer-199	53	20	,	,	PUNCT
ajeer-199	53	21	declining	decline	VERB
ajeer-199	53	22	quality	quality	NOUN
ajeer-199	53	23	and	and	CCONJ
ajeer-199	53	24	access	access	NOUN
ajeer-199	53	25	to	to	ADP
ajeer-199	53	26	services	service	NOUN
ajeer-199	53	27	has	have	AUX
ajeer-199	53	28	characterise	characterise	NOUN
ajeer-199	53	29	much	much	ADJ
ajeer-199	53	30	of	of	ADP
ajeer-199	53	31	housing	housing	NOUN
ajeer-199	53	32	stock	stock	NOUN
ajeer-199	53	33	in	in	ADP
ajeer-199	53	34	the	the	DET
ajeer-199	53	35	country	country	NOUN
ajeer-199	53	36	.	.	PUNCT
ajeer-199	54	1	the	the	DET
ajeer-199	54	2	most	most	ADV
ajeer-199	54	3	common	common	ADJ
ajeer-199	54	4	method	method	NOUN
ajeer-199	54	5	of	of	ADP
ajeer-199	54	6	residential	residential	ADJ
ajeer-199	54	7	building	building	NOUN
ajeer-199	54	8	in	in	ADP
ajeer-199	54	9	ghana	ghana	PROPN
ajeer-199	54	10	has	have	AUX
ajeer-199	54	11	been	be	AUX
ajeer-199	54	12	the	the	DET
ajeer-199	54	13	incremental	incremental	ADJ
ajeer-199	54	14	building	building	NOUN
ajeer-199	54	15	,	,	PUNCT
ajeer-199	54	16	where	where	SCONJ
ajeer-199	54	17	owners	owner	NOUN
ajeer-199	54	18	become	become	VERB
ajeer-199	54	19	self	self	NOUN
ajeer-199	54	20	-	-	PUNCT
ajeer-199	54	21	developers	developer	NOUN
ajeer-199	54	22	and	and	CCONJ
ajeer-199	54	23	rely	rely	VERB
ajeer-199	54	24	on	on	ADP
ajeer-199	54	25	small	small	ADJ
ajeer-199	54	26	crafts	craft	NOUN
ajeer-199	54	27	and	and	CCONJ
ajeer-199	54	28	trades	trade	NOUN
ajeer-199	54	29	to	to	PART
ajeer-199	54	30	build	build	VERB
ajeer-199	54	31	their	their	PRON
ajeer-199	54	32	own	own	ADJ
ajeer-199	54	33	units	unit	NOUN
ajeer-199	54	34	.	.	PUNCT
ajeer-199	55	1	this	this	DET
ajeer-199	55	2	paper	paper	NOUN
ajeer-199	55	3	,	,	PUNCT
ajeer-199	55	4	however	however	ADV
ajeer-199	55	5	,	,	PUNCT
ajeer-199	55	6	seeks	seek	VERB
ajeer-199	55	7	to	to	PART
ajeer-199	55	8	investigate	investigate	VERB
ajeer-199	55	9	,	,	PUNCT
ajeer-199	55	10	factors	factor	NOUN
ajeer-199	55	11	considered	consider	VERB
ajeer-199	55	12	before	before	SCONJ
ajeer-199	55	13	households	household	NOUN
ajeer-199	55	14	decide	decide	VERB
ajeer-199	55	15	to	to	PART
ajeer-199	55	16	opt	opt	VERB
ajeer-199	55	17	for	for	ADP
ajeer-199	55	18	a	a	DET
ajeer-199	55	19	mortgage	mortgage	NOUN
ajeer-199	55	20	loan	loan	NOUN
ajeer-199	55	21	in	in	ADP
ajeer-199	55	22	ghana	ghana	PROPN
ajeer-199	55	23	using	use	VERB
ajeer-199	55	24	a	a	DET
ajeer-199	55	25	fuzzy	fuzzy	ADJ
ajeer-199	55	26	analytical	analytical	ADJ
ajeer-199	55	27	hierarchy	hierarchy	NOUN
ajeer-199	55	28	process	process	NOUN
ajeer-199	55	29	(	(	PUNCT
ajeer-199	55	30	fahp	fahp	NOUN
ajeer-199	55	31	)	)	PUNCT
ajeer-199	55	32	.	.	PUNCT
ajeer-199	56	1	by	by	ADP
ajeer-199	56	2	employing	employ	VERB
ajeer-199	56	3	the	the	DET
ajeer-199	56	4	fahp	fahp	NOUN
ajeer-199	56	5	we	we	PRON
ajeer-199	56	6	obtain	obtain	VERB
ajeer-199	56	7	the	the	DET
ajeer-199	56	8	weights	weight	NOUN
ajeer-199	56	9	of	of	ADP
ajeer-199	56	10	the	the	DET
ajeer-199	56	11	most	most	ADV
ajeer-199	56	12	important	important	ADJ
ajeer-199	56	13	factors	factor	NOUN
ajeer-199	56	14	considered	consider	VERB
ajeer-199	56	15	in	in	ADP
ajeer-199	56	16	the	the	DET
ajeer-199	56	17	decision	decision	NOUN
ajeer-199	56	18	process	process	NOUN
ajeer-199	56	19	that	that	PRON
ajeer-199	56	20	leads	lead	VERB
ajeer-199	56	21	to	to	ADP
ajeer-199	56	22	households	household	NOUN
ajeer-199	56	23	opting	opt	VERB
ajeer-199	56	24	for	for	ADP
ajeer-199	56	25	a	a	DET
ajeer-199	56	26	mortgage	mortgage	NOUN
ajeer-199	56	27	loan	loan	NOUN
ajeer-199	56	28	.	.	PUNCT
ajeer-199	57	1	2	2	X
ajeer-199	57	2	.	.	X
ajeer-199	57	3	literature	literature	NOUN
ajeer-199	57	4	review	review	VERB
ajeer-199	57	5	2.1	2.1	NUM
ajeer-199	57	6	.	.	PUNCT
ajeer-199	58	1	defining	define	VERB
ajeer-199	58	2	mortgage	mortgage	NOUN
ajeer-199	58	3	the	the	DET
ajeer-199	58	4	term	term	NOUN
ajeer-199	58	5	is	be	AUX
ajeer-199	58	6	defined	define	VERB
ajeer-199	58	7	in	in	ADP
ajeer-199	58	8	oxford	oxford	PROPN
ajeer-199	58	9	advance	advance	NOUN
ajeer-199	58	10	learners	learner	NOUN
ajeer-199	58	11	dictionary	dictionary	ADJ
ajeer-199	58	12	as	as	ADP
ajeer-199	58	13	a	a	DET
ajeer-199	58	14	legal	legal	ADJ
ajeer-199	58	15	agreement	agreement	NOUN
ajeer-199	58	16	by	by	ADP
ajeer-199	58	17	which	which	PRON
ajeer-199	58	18	a	a	DET
ajeer-199	58	19	bank	bank	NOUN
ajeer-199	58	20	or	or	CCONJ
ajeer-199	58	21	similar	similar	ADJ
ajeer-199	58	22	organisation	organisation	NOUN
ajeer-199	58	23	lends	lend	VERB
ajeer-199	58	24	money	money	NOUN
ajeer-199	58	25	to	to	ADP
ajeer-199	58	26	an	an	DET
ajeer-199	58	27	individual	individual	NOUN
ajeer-199	58	28	to	to	PART
ajeer-199	58	29	buy	buy	VERB
ajeer-199	58	30	a	a	DET
ajeer-199	58	31	property	property	NOUN
ajeer-199	58	32	(	(	PUNCT
ajeer-199	58	33	house	house	NOUN
ajeer-199	58	34	)	)	PUNCT
ajeer-199	58	35	and	and	CCONJ
ajeer-199	58	36	after	after	ADP
ajeer-199	58	37	repayment	repayment	NOUN
ajeer-199	58	38	is	be	AUX
ajeer-199	58	39	made	make	VERB
ajeer-199	58	40	over	over	ADP
ajeer-199	58	41	a	a	DET
ajeer-199	58	42	specified	specified	ADJ
ajeer-199	58	43	period	period	NOUN
ajeer-199	58	44	of	of	ADP
ajeer-199	58	45	time	time	NOUN
ajeer-199	58	46	;	;	PUNCT
ajeer-199	58	47	the	the	DET
ajeer-199	58	48	sum	sum	NOUN
ajeer-199	58	49	of	of	ADP
ajeer-199	58	50	total	total	ADJ
ajeer-199	58	51	payment	payment	NOUN
ajeer-199	58	52	includes	include	VERB
ajeer-199	58	53	the	the	DET
ajeer-199	58	54	sum	sum	NOUN
ajeer-199	58	55	borrowed	borrow	VERB
ajeer-199	58	56	and	and	CCONJ
ajeer-199	58	57	interest	interest	NOUN
ajeer-199	58	58	.	.	PUNCT
ajeer-199	59	1	“	"	PUNCT
ajeer-199	59	2	mortgage	mortgage	NOUN
ajeer-199	59	3	”	"	PUNCT
ajeer-199	59	4	is	be	AUX
ajeer-199	59	5	nothing	nothing	PRON
ajeer-199	59	6	more	more	ADJ
ajeer-199	59	7	than	than	ADP
ajeer-199	59	8	the	the	DET
ajeer-199	59	9	name	name	NOUN
ajeer-199	59	10	given	give	VERB
ajeer-199	59	11	to	to	ADP
ajeer-199	59	12	a	a	DET
ajeer-199	59	13	particular	particular	ADJ
ajeer-199	59	14	type	type	NOUN
ajeer-199	59	15	of	of	ADP
ajeer-199	59	16	loan	loan	NOUN
ajeer-199	59	17	;	;	PUNCT
ajeer-199	59	18	in	in	ADP
ajeer-199	59	19	this	this	DET
ajeer-199	59	20	case	case	NOUN
ajeer-199	59	21	,	,	PUNCT
ajeer-199	59	22	a	a	DET
ajeer-199	59	23	real	real	ADJ
ajeer-199	59	24	estate	estate	NOUN
ajeer-199	59	25	loan	loan	NOUN
ajeer-199	59	26	(	(	PUNCT
ajeer-199	59	27	mcdonald	mcdonald	NOUN
ajeer-199	59	28	and	and	CCONJ
ajeer-199	59	29	thornton	thornton	PROPN
ajeer-199	59	30	,	,	PUNCT
ajeer-199	59	31	2008	2008	NUM
ajeer-199	59	32	)	)	PUNCT
ajeer-199	59	33	.	.	PUNCT
ajeer-199	60	1	however	however	ADV
ajeer-199	60	2	,	,	PUNCT
ajeer-199	60	3	the	the	DET
ajeer-199	60	4	word	word	NOUN
ajeer-199	60	5	mortgage	mortgage	NOUN
ajeer-199	60	6	alone	alone	ADV
ajeer-199	60	7	,	,	PUNCT
ajeer-199	60	8	in	in	ADP
ajeer-199	60	9	everyday	everyday	ADJ
ajeer-199	60	10	usage	usage	NOUN
ajeer-199	60	11	,	,	PUNCT
ajeer-199	60	12	most	most	ADV
ajeer-199	60	13	often	often	ADV
ajeer-199	60	14	means	mean	VERB
ajeer-199	60	15	mortgage	mortgage	NOUN
ajeer-199	60	16	asian	asian	ADJ
ajeer-199	60	17	journal	journal	NOUN
ajeer-199	60	18	of	of	ADP
ajeer-199	60	19	economics	economic	NOUN
ajeer-199	60	20	and	and	CCONJ
ajeer-199	60	21	empirical	empirical	ADJ
ajeer-199	60	22	research	research	NOUN
ajeer-199	60	23	,	,	PUNCT
ajeer-199	60	24	2015	2015	NUM
ajeer-199	60	25	,	,	PUNCT
ajeer-199	60	26	2(2	2(2	NUM
ajeer-199	60	27	):	):	PUNCT
ajeer-199	60	28	52	52	NUM
ajeer-199	60	29	-	-	SYM
ajeer-199	60	30	61	61	NUM
ajeer-199	60	31	54	54	NUM
ajeer-199	60	32	loan	loan	NOUN
ajeer-199	60	33	.	.	PUNCT
ajeer-199	61	1	a	a	DET
ajeer-199	61	2	home	home	NOUN
ajeer-199	61	3	buyer	buyer	NOUN
ajeer-199	61	4	or	or	CCONJ
ajeer-199	61	5	builder	builder	NOUN
ajeer-199	61	6	can	can	AUX
ajeer-199	61	7	obtain	obtain	VERB
ajeer-199	61	8	financing	financing	NOUN
ajeer-199	61	9	(	(	PUNCT
ajeer-199	61	10	a	a	DET
ajeer-199	61	11	loan	loan	NOUN
ajeer-199	61	12	)	)	PUNCT
ajeer-199	61	13	either	either	CCONJ
ajeer-199	61	14	to	to	PART
ajeer-199	61	15	purchase	purchase	VERB
ajeer-199	61	16	or	or	CCONJ
ajeer-199	61	17	secure	secure	VERB
ajeer-199	61	18	against	against	ADP
ajeer-199	61	19	the	the	DET
ajeer-199	61	20	property	property	NOUN
ajeer-199	61	21	from	from	ADP
ajeer-199	61	22	a	a	DET
ajeer-199	61	23	financial	financial	ADJ
ajeer-199	61	24	institution	institution	NOUN
ajeer-199	61	25	,	,	PUNCT
ajeer-199	61	26	such	such	ADJ
ajeer-199	61	27	as	as	ADP
ajeer-199	61	28	a	a	DET
ajeer-199	61	29	bank	bank	NOUN
ajeer-199	61	30	,	,	PUNCT
ajeer-199	61	31	either	either	CCONJ
ajeer-199	61	32	directly	directly	ADV
ajeer-199	61	33	or	or	CCONJ
ajeer-199	61	34	indirectly	indirectly	ADV
ajeer-199	61	35	through	through	ADP
ajeer-199	61	36	intermediaries	intermediary	NOUN
ajeer-199	61	37	.	.	PUNCT
ajeer-199	62	1	characteristics	characteristic	NOUN
ajeer-199	62	2	of	of	ADP
ajeer-199	62	3	mortgage	mortgage	NOUN
ajeer-199	62	4	loans	loan	NOUN
ajeer-199	62	5	such	such	ADJ
ajeer-199	62	6	as	as	ADP
ajeer-199	62	7	the	the	DET
ajeer-199	62	8	size	size	NOUN
ajeer-199	62	9	of	of	ADP
ajeer-199	62	10	the	the	DET
ajeer-199	62	11	loan	loan	NOUN
ajeer-199	62	12	,	,	PUNCT
ajeer-199	62	13	maturity	maturity	NOUN
ajeer-199	62	14	of	of	ADP
ajeer-199	62	15	the	the	DET
ajeer-199	62	16	loan	loan	NOUN
ajeer-199	62	17	,	,	PUNCT
ajeer-199	62	18	interest	interest	NOUN
ajeer-199	62	19	rate	rate	NOUN
ajeer-199	62	20	,	,	PUNCT
ajeer-199	62	21	method	method	NOUN
ajeer-199	62	22	of	of	ADP
ajeer-199	62	23	paying	pay	VERB
ajeer-199	62	24	off	off	ADP
ajeer-199	62	25	the	the	DET
ajeer-199	62	26	loan	loan	NOUN
ajeer-199	62	27	etc	etc	X
ajeer-199	62	28	.	.	X
ajeer-199	62	29	largely	largely	ADV
ajeer-199	62	30	depends	depend	VERB
ajeer-199	62	31	on	on	ADP
ajeer-199	62	32	the	the	DET
ajeer-199	62	33	household	household	NOUN
ajeer-199	62	34	and	and	CCONJ
ajeer-199	62	35	the	the	DET
ajeer-199	62	36	individual	individual	NOUN
ajeer-199	62	37	and	and	CCONJ
ajeer-199	62	38	therefore	therefore	ADV
ajeer-199	62	39	varies	vary	VERB
ajeer-199	62	40	considerably	considerably	ADV
ajeer-199	62	41	.	.	PUNCT
ajeer-199	63	1	in	in	ADP
ajeer-199	63	2	a	a	DET
ajeer-199	63	3	set	set	NOUN
ajeer-199	63	4	of	of	ADP
ajeer-199	63	5	theoretical	theoretical	ADJ
ajeer-199	63	6	papers	paper	NOUN
ajeer-199	63	7	based	base	VERB
ajeer-199	63	8	on	on	ADP
ajeer-199	63	9	standard	standard	ADJ
ajeer-199	63	10	microeconomic	microeconomic	ADJ
ajeer-199	63	11	theory	theory	NOUN
ajeer-199	63	12	,	,	PUNCT
ajeer-199	63	13	the	the	DET
ajeer-199	63	14	mortgage	mortgage	NOUN
ajeer-199	63	15	decision	decision	NOUN
ajeer-199	63	16	problem	problem	NOUN
ajeer-199	63	17	facing	face	VERB
ajeer-199	63	18	borrowers	borrower	NOUN
ajeer-199	63	19	was	be	AUX
ajeer-199	63	20	initially	initially	ADV
ajeer-199	63	21	modelled	model	VERB
ajeer-199	63	22	based	base	VERB
ajeer-199	63	23	on	on	ADP
ajeer-199	63	24	different	different	ADJ
ajeer-199	63	25	assumptions	assumption	NOUN
ajeer-199	63	26	(	(	PUNCT
ajeer-199	63	27	e.g.	e.g.	ADV
ajeer-199	63	28	,	,	PUNCT
ajeer-199	63	29	(	(	PUNCT
ajeer-199	63	30	statman	statman	ADJ
ajeer-199	63	31	,	,	PUNCT
ajeer-199	63	32	1982	1982	NUM
ajeer-199	63	33	;	;	PUNCT
ajeer-199	63	34	brueckner	brueckner	NOUN
ajeer-199	63	35	,	,	PUNCT
ajeer-199	63	36	1986	1986	NUM
ajeer-199	63	37	;	;	PUNCT
ajeer-199	63	38	alm	alm	NOUN
ajeer-199	63	39	and	and	CCONJ
ajeer-199	63	40	follain	follain	NOUN
ajeer-199	63	41	,	,	PUNCT
ajeer-199	63	42	1987	1987	NUM
ajeer-199	63	43	;	;	PUNCT
ajeer-199	63	44	brueckner	brueckner	NOUN
ajeer-199	63	45	and	and	CCONJ
ajeer-199	63	46	follain	follain	NOUN
ajeer-199	63	47	,	,	PUNCT
ajeer-199	63	48	1988	1988	NUM
ajeer-199	63	49	)	)	PUNCT
ajeer-199	63	50	)	)	PUNCT
ajeer-199	63	51	.	.	PUNCT
ajeer-199	64	1	results	result	NOUN
ajeer-199	64	2	from	from	ADP
ajeer-199	64	3	these	these	DET
ajeer-199	64	4	studies	study	NOUN
ajeer-199	64	5	showed	show	VERB
ajeer-199	64	6	that	that	SCONJ
ajeer-199	64	7	the	the	DET
ajeer-199	64	8	optimal	optimal	ADJ
ajeer-199	64	9	choice	choice	NOUN
ajeer-199	64	10	should	should	AUX
ajeer-199	64	11	depend	depend	VERB
ajeer-199	64	12	on	on	ADP
ajeer-199	64	13	,	,	PUNCT
ajeer-199	64	14	for	for	ADP
ajeer-199	64	15	instance	instance	NOUN
ajeer-199	64	16	,	,	PUNCT
ajeer-199	64	17	income	income	NOUN
ajeer-199	64	18	stream	stream	NOUN
ajeer-199	64	19	,	,	PUNCT
ajeer-199	64	20	age	age	NOUN
ajeer-199	64	21	,	,	PUNCT
ajeer-199	64	22	inflation	inflation	NOUN
ajeer-199	64	23	and	and	CCONJ
ajeer-199	64	24	the	the	DET
ajeer-199	64	25	mortgage	mortgage	NOUN
ajeer-199	64	26	rate	rate	NOUN
ajeer-199	64	27	spread	spread	NOUN
ajeer-199	64	28	.	.	PUNCT
ajeer-199	65	1	campbell	campbell	PROPN
ajeer-199	65	2	and	and	CCONJ
ajeer-199	65	3	cocco	cocco	PROPN
ajeer-199	65	4	(	(	PUNCT
ajeer-199	65	5	2003	2003	NUM
ajeer-199	65	6	)	)	PUNCT
ajeer-199	65	7	further	far	ADV
ajeer-199	65	8	developed	develop	VERB
ajeer-199	65	9	this	this	DET
ajeer-199	65	10	theoretical	theoretical	ADJ
ajeer-199	65	11	line	line	NOUN
ajeer-199	65	12	in	in	ADP
ajeer-199	65	13	a	a	DET
ajeer-199	65	14	much	much	ADV
ajeer-199	65	15	cited	cite	VERB
ajeer-199	65	16	article	article	NOUN
ajeer-199	65	17	where	where	SCONJ
ajeer-199	65	18	they	they	PRON
ajeer-199	65	19	described	describe	VERB
ajeer-199	65	20	optimal	optimal	ADJ
ajeer-199	65	21	consumption	consumption	NOUN
ajeer-199	65	22	and	and	CCONJ
ajeer-199	65	23	mortgage	mortgage	NOUN
ajeer-199	65	24	choice	choice	NOUN
ajeer-199	65	25	through	through	ADP
ajeer-199	65	26	a	a	DET
ajeer-199	65	27	life	life	NOUN
ajeer-199	65	28	-	-	PUNCT
ajeer-199	65	29	cycle	cycle	NOUN
ajeer-199	65	30	model	model	NOUN
ajeer-199	65	31	showing	show	VERB
ajeer-199	65	32	that	that	SCONJ
ajeer-199	65	33	borrowers	borrower	NOUN
ajeer-199	65	34	with	with	ADP
ajeer-199	65	35	rather	rather	ADV
ajeer-199	65	36	small	small	ADJ
ajeer-199	65	37	mortgages	mortgage	NOUN
ajeer-199	65	38	,	,	PUNCT
ajeer-199	65	39	stable	stable	ADJ
ajeer-199	65	40	income	income	NOUN
ajeer-199	65	41	,	,	PUNCT
ajeer-199	65	42	low	low	ADJ
ajeer-199	65	43	default	default	NOUN
ajeer-199	65	44	costs	cost	NOUN
ajeer-199	65	45	and	and	CCONJ
ajeer-199	65	46	high	high	ADJ
ajeer-199	65	47	probability	probability	NOUN
ajeer-199	65	48	of	of	ADP
ajeer-199	65	49	moving	move	VERB
ajeer-199	65	50	in	in	ADP
ajeer-199	65	51	the	the	DET
ajeer-199	65	52	near	near	ADJ
ajeer-199	65	53	future	future	NOUN
ajeer-199	65	54	should	should	AUX
ajeer-199	65	55	choose	choose	VERB
ajeer-199	65	56	adjustable	adjustable	ADJ
ajeer-199	65	57	rate	rate	NOUN
ajeer-199	65	58	mortgages	mortgage	NOUN
ajeer-199	65	59	(	(	PUNCT
ajeer-199	65	60	arms	arm	NOUN
ajeer-199	65	61	)	)	PUNCT
ajeer-199	65	62	over	over	ADP
ajeer-199	65	63	fixed	fix	VERB
ajeer-199	65	64	rate	rate	NOUN
ajeer-199	65	65	mortgages	mortgage	NOUN
ajeer-199	65	66	(	(	PUNCT
ajeer-199	65	67	frms	frm	NOUN
ajeer-199	65	68	)	)	PUNCT
ajeer-199	65	69	.	.	PUNCT
ajeer-199	66	1	2.2	2.2	NUM
ajeer-199	66	2	.	.	PUNCT
ajeer-199	66	3	analytic	analytic	ADJ
ajeer-199	66	4	hierarchy	hierarchy	NOUN
ajeer-199	66	5	process	process	NOUN
ajeer-199	66	6	and	and	CCONJ
ajeer-199	66	7	fuzzy	fuzzy	ADJ
ajeer-199	66	8	analytic	analytic	ADJ
ajeer-199	66	9	hierarchy	hierarchy	NOUN
ajeer-199	66	10	process	process	NOUN
ajeer-199	66	11	the	the	DET
ajeer-199	66	12	analytical	analytical	ADJ
ajeer-199	66	13	hierarchy	hierarchy	NOUN
ajeer-199	66	14	process	process	NOUN
ajeer-199	66	15	(	(	PUNCT
ajeer-199	66	16	ahp	ahp	NOUN
ajeer-199	66	17	)	)	PUNCT
ajeer-199	66	18	was	be	AUX
ajeer-199	66	19	developed	develop	VERB
ajeer-199	66	20	by	by	ADP
ajeer-199	66	21	saaty	saaty	NOUN
ajeer-199	66	22	in	in	ADP
ajeer-199	66	23	1971	1971	NUM
ajeer-199	66	24	(	(	PUNCT
ajeer-199	66	25	saaty	saaty	NOUN
ajeer-199	66	26	,	,	PUNCT
ajeer-199	66	27	1980	1980	NUM
ajeer-199	66	28	)	)	PUNCT
ajeer-199	66	29	.	.	PUNCT
ajeer-199	67	1	this	this	DET
ajeer-199	67	2	technique	technique	NOUN
ajeer-199	67	3	is	be	AUX
ajeer-199	67	4	primarily	primarily	ADV
ajeer-199	67	5	applied	apply	VERB
ajeer-199	67	6	to	to	ADP
ajeer-199	67	7	decision	decision	NOUN
ajeer-199	67	8	problems	problem	NOUN
ajeer-199	67	9	in	in	ADP
ajeer-199	67	10	uncertain	uncertain	ADJ
ajeer-199	67	11	situations	situation	NOUN
ajeer-199	67	12	with	with	ADP
ajeer-199	67	13	multiple	multiple	ADJ
ajeer-199	67	14	assessment	assessment	NOUN
ajeer-199	67	15	criteria	criterion	NOUN
ajeer-199	67	16	.	.	PUNCT
ajeer-199	68	1	the	the	DET
ajeer-199	68	2	function	function	NOUN
ajeer-199	68	3	of	of	ADP
ajeer-199	68	4	ahp	ahp	PROPN
ajeer-199	68	5	is	be	AUX
ajeer-199	68	6	to	to	PART
ajeer-199	68	7	systemize	systemize	VERB
ajeer-199	68	8	complex	complex	ADJ
ajeer-199	68	9	and	and	CCONJ
ajeer-199	68	10	unstructured	unstructured	ADJ
ajeer-199	68	11	problems	problem	NOUN
ajeer-199	68	12	,	,	PUNCT
ajeer-199	68	13	which	which	PRON
ajeer-199	68	14	it	it	PRON
ajeer-199	68	15	resolves	resolve	VERB
ajeer-199	68	16	gradually	gradually	ADV
ajeer-199	68	17	from	from	ADP
ajeer-199	68	18	the	the	DET
ajeer-199	68	19	high	high	ADJ
ajeer-199	68	20	to	to	ADP
ajeer-199	68	21	lower	low	ADJ
ajeer-199	68	22	levels	level	NOUN
ajeer-199	68	23	.	.	PUNCT
ajeer-199	69	1	through	through	ADP
ajeer-199	69	2	quantitative	quantitative	ADJ
ajeer-199	69	3	judgment	judgment	NOUN
ajeer-199	69	4	,	,	PUNCT
ajeer-199	69	5	ahp	ahp	NOUN
ajeer-199	69	6	simplifies	simplifie	NOUN
ajeer-199	69	7	and	and	CCONJ
ajeer-199	69	8	improves	improve	VERB
ajeer-199	69	9	earlier	early	ADJ
ajeer-199	69	10	decision	decision	NOUN
ajeer-199	69	11	-	-	PUNCT
ajeer-199	69	12	making	make	VERB
ajeer-199	69	13	processes	process	NOUN
ajeer-199	69	14	that	that	PRON
ajeer-199	69	15	relied	rely	VERB
ajeer-199	69	16	on	on	ADP
ajeer-199	69	17	intuition	intuition	NOUN
ajeer-199	69	18	to	to	PART
ajeer-199	69	19	obtain	obtain	VERB
ajeer-199	69	20	the	the	DET
ajeer-199	69	21	weights	weight	NOUN
ajeer-199	69	22	of	of	ADP
ajeer-199	69	23	each	each	DET
ajeer-199	69	24	indicator	indicator	NOUN
ajeer-199	69	25	and	and	CCONJ
ajeer-199	69	26	provide	provide	VERB
ajeer-199	69	27	sufficient	sufficient	ADJ
ajeer-199	69	28	information	information	NOUN
ajeer-199	69	29	for	for	ADP
ajeer-199	69	30	decision	decision	NOUN
ajeer-199	69	31	makers	maker	NOUN
ajeer-199	69	32	.	.	PUNCT
ajeer-199	70	1	items	item	NOUN
ajeer-199	70	2	with	with	ADP
ajeer-199	70	3	greater	great	ADJ
ajeer-199	70	4	weights	weight	NOUN
ajeer-199	70	5	have	have	VERB
ajeer-199	70	6	higher	high	ADJ
ajeer-199	70	7	priority	priority	NOUN
ajeer-199	70	8	.	.	PUNCT
ajeer-199	71	1	using	use	VERB
ajeer-199	71	2	ahp	ahp	PROPN
ajeer-199	71	3	to	to	PART
ajeer-199	71	4	perform	perform	VERB
ajeer-199	71	5	problem	problem	NOUN
ajeer-199	71	6	analysis	analysis	NOUN
ajeer-199	71	7	can	can	AUX
ajeer-199	71	8	reduce	reduce	VERB
ajeer-199	71	9	the	the	DET
ajeer-199	71	10	risk	risk	NOUN
ajeer-199	71	11	of	of	ADP
ajeer-199	71	12	mistakes	mistake	NOUN
ajeer-199	71	13	in	in	ADP
ajeer-199	71	14	decision	decision	NOUN
ajeer-199	71	15	making	making	NOUN
ajeer-199	71	16	(	(	PUNCT
ajeer-199	71	17	chen	chen	PROPN
ajeer-199	71	18	et	et	PROPN
ajeer-199	71	19	al	al	PROPN
ajeer-199	71	20	.	.	PROPN
ajeer-199	71	21	,	,	PUNCT
ajeer-199	71	22	2012	2012	NUM
ajeer-199	71	23	)	)	PUNCT
ajeer-199	71	24	.	.	PUNCT
ajeer-199	72	1	however	however	ADV
ajeer-199	72	2	,	,	PUNCT
ajeer-199	72	3	ahp	ahp	NOUN
ajeer-199	72	4	use	use	NOUN
ajeer-199	72	5	can	can	AUX
ajeer-199	72	6	not	not	PART
ajeer-199	72	7	overcome	overcome	VERB
ajeer-199	72	8	the	the	DET
ajeer-199	72	9	subjectivity	subjectivity	NOUN
ajeer-199	72	10	,	,	PUNCT
ajeer-199	72	11	inaccuracy	inaccuracy	NOUN
ajeer-199	72	12	,	,	PUNCT
ajeer-199	72	13	and	and	CCONJ
ajeer-199	72	14	fuzziness	fuzziness	NOUN
ajeer-199	72	15	produced	produce	VERB
ajeer-199	72	16	when	when	SCONJ
ajeer-199	72	17	making	make	VERB
ajeer-199	72	18	decisions	decision	NOUN
ajeer-199	72	19	.	.	PUNCT
ajeer-199	73	1	however	however	ADV
ajeer-199	73	2	,	,	PUNCT
ajeer-199	73	3	introducing	introduce	VERB
ajeer-199	73	4	fuzzy	fuzzy	ADJ
ajeer-199	73	5	set	set	NOUN
ajeer-199	73	6	theory	theory	NOUN
ajeer-199	73	7	and	and	CCONJ
ajeer-199	73	8	fuzzy	fuzzy	ADJ
ajeer-199	73	9	operation	operation	NOUN
ajeer-199	73	10	to	to	ADP
ajeer-199	73	11	ahp	ahp	PROPN
ajeer-199	73	12	can	can	AUX
ajeer-199	73	13	ameliorate	ameliorate	VERB
ajeer-199	73	14	these	these	DET
ajeer-199	73	15	failures	failure	NOUN
ajeer-199	73	16	.	.	PUNCT
ajeer-199	74	1	fuzzy	fuzzy	ADJ
ajeer-199	74	2	set	set	NOUN
ajeer-199	74	3	theory	theory	NOUN
ajeer-199	74	4	was	be	AUX
ajeer-199	74	5	first	first	ADV
ajeer-199	74	6	presented	present	VERB
ajeer-199	74	7	by	by	ADP
ajeer-199	74	8	zadeh	zadeh	PROPN
ajeer-199	74	9	in	in	ADP
ajeer-199	74	10	1965	1965	NUM
ajeer-199	74	11	(	(	PUNCT
ajeer-199	74	12	zadeh	zadeh	PROPN
ajeer-199	74	13	,	,	PUNCT
ajeer-199	74	14	1965	1965	NUM
ajeer-199	74	15	)	)	PUNCT
ajeer-199	74	16	;	;	PUNCT
ajeer-199	74	17	it	it	PRON
ajeer-199	74	18	emphasizes	emphasize	VERB
ajeer-199	74	19	the	the	DET
ajeer-199	74	20	fuzziness	fuzziness	NOUN
ajeer-199	74	21	of	of	ADP
ajeer-199	74	22	human	human	ADJ
ajeer-199	74	23	thinking	thinking	NOUN
ajeer-199	74	24	,	,	PUNCT
ajeer-199	74	25	reasoning	reasoning	NOUN
ajeer-199	74	26	,	,	PUNCT
ajeer-199	74	27	and	and	CCONJ
ajeer-199	74	28	cognition	cognition	NOUN
ajeer-199	74	29	of	of	ADP
ajeer-199	74	30	surroundings	surroundings	PROPN
ajeer-199	74	31	.	.	PUNCT
ajeer-199	75	1	a	a	DET
ajeer-199	75	2	number	number	NOUN
ajeer-199	75	3	of	of	ADP
ajeer-199	75	4	conventional	conventional	ADJ
ajeer-199	75	5	quantitative	quantitative	ADJ
ajeer-199	75	6	analysis	analysis	NOUN
ajeer-199	75	7	methods	method	NOUN
ajeer-199	75	8	can	can	AUX
ajeer-199	75	9	not	not	PART
ajeer-199	75	10	analyze	analyze	VERB
ajeer-199	75	11	such	such	ADJ
ajeer-199	75	12	things	thing	NOUN
ajeer-199	75	13	efficiently	efficiently	ADV
ajeer-199	75	14	.	.	PUNCT
ajeer-199	76	1	the	the	DET
ajeer-199	76	2	concept	concept	NOUN
ajeer-199	76	3	of	of	ADP
ajeer-199	76	4	fuzzy	fuzzy	ADJ
ajeer-199	76	5	logic	logic	NOUN
ajeer-199	76	6	must	must	AUX
ajeer-199	76	7	be	be	AUX
ajeer-199	76	8	used	use	VERB
ajeer-199	76	9	to	to	PART
ajeer-199	76	10	describe	describe	VERB
ajeer-199	76	11	actual	actual	ADJ
ajeer-199	76	12	things	thing	NOUN
ajeer-199	76	13	and	and	CCONJ
ajeer-199	76	14	to	to	PART
ajeer-199	76	15	compensate	compensate	VERB
ajeer-199	76	16	for	for	ADP
ajeer-199	76	17	the	the	DET
ajeer-199	76	18	failings	failing	NOUN
ajeer-199	76	19	of	of	ADP
ajeer-199	76	20	traditional	traditional	ADJ
ajeer-199	76	21	theory	theory	NOUN
ajeer-199	76	22	sets	set	NOUN
ajeer-199	76	23	that	that	PRON
ajeer-199	76	24	use	use	VERB
ajeer-199	76	25	only	only	ADJ
ajeer-199	76	26	binary	binary	ADJ
ajeer-199	76	27	logic	logic	NOUN
ajeer-199	76	28	to	to	PART
ajeer-199	76	29	describe	describe	VERB
ajeer-199	76	30	things	thing	NOUN
ajeer-199	76	31	.	.	PUNCT
ajeer-199	77	1	fuzzy	fuzzy	ADJ
ajeer-199	77	2	logic	logic	NOUN
ajeer-199	77	3	uses	use	VERB
ajeer-199	77	4	the	the	DET
ajeer-199	77	5	concept	concept	NOUN
ajeer-199	77	6	of	of	ADP
ajeer-199	77	7	membership	membership	NOUN
ajeer-199	77	8	function	function	VERB
ajeer-199	77	9	to	to	PART
ajeer-199	77	10	describe	describe	VERB
ajeer-199	77	11	things	thing	NOUN
ajeer-199	77	12	in	in	ADP
ajeer-199	77	13	a	a	DET
ajeer-199	77	14	manner	manner	NOUN
ajeer-199	77	15	similar	similar	ADJ
ajeer-199	77	16	to	to	ADP
ajeer-199	77	17	common	common	ADJ
ajeer-199	77	18	human	human	ADJ
ajeer-199	77	19	language	language	NOUN
ajeer-199	77	20	.	.	PUNCT
ajeer-199	78	1	furthermore	furthermore	ADV
ajeer-199	78	2	,	,	PUNCT
ajeer-199	78	3	fuzzy	fuzzy	ADJ
ajeer-199	78	4	logic	logic	NOUN
ajeer-199	78	5	can	can	AUX
ajeer-199	78	6	analyze	analyze	VERB
ajeer-199	78	7	ambiguity	ambiguity	NOUN
ajeer-199	78	8	and	and	CCONJ
ajeer-199	78	9	vagueness	vagueness	NOUN
ajeer-199	78	10	.	.	PUNCT
ajeer-199	79	1	the	the	DET
ajeer-199	79	2	fuzzy	fuzzy	ADJ
ajeer-199	79	3	set	set	NOUN
ajeer-199	79	4	can	can	AUX
ajeer-199	79	5	be	be	AUX
ajeer-199	79	6	defined	define	VERB
ajeer-199	79	7	as	as	SCONJ
ajeer-199	79	8	follows	follow	VERB
ajeer-199	79	9	:	:	PUNCT
ajeer-199	79	10	{	{	PUNCT
ajeer-199	79	11	}	}	PUNCT
ajeer-199	79	12	(	(	PUNCT
ajeer-199	79	13	1	1	X
ajeer-199	79	14	)	)	PUNCT
ajeer-199	79	15	where	where	SCONJ
ajeer-199	79	16	is	be	AUX
ajeer-199	79	17	a	a	DET
ajeer-199	79	18	fuzzy	fuzzy	ADJ
ajeer-199	79	19	set	set	NOUN
ajeer-199	79	20	.	.	PUNCT
ajeer-199	80	1	called	call	VERB
ajeer-199	80	2	the	the	DET
ajeer-199	80	3	membership	membership	NOUN
ajeer-199	80	4	function	function	NOUN
ajeer-199	80	5	.	.	PUNCT
ajeer-199	81	1	u	u	NOUN
ajeer-199	81	2	is	be	AUX
ajeer-199	81	3	the	the	DET
ajeer-199	81	4	universe	universe	NOUN
ajeer-199	81	5	of	of	ADP
ajeer-199	81	6	discourse	discourse	NOUN
ajeer-199	81	7	.	.	PUNCT
ajeer-199	82	1	ranges	range	VERB
ajeer-199	82	2	between	between	ADP
ajeer-199	82	3	0	0	NUM
ajeer-199	82	4	and	and	CCONJ
ajeer-199	82	5	1	1	NUM
ajeer-199	82	6	.	.	PUNCT
ajeer-199	83	1	this	this	PRON
ajeer-199	83	2	is	be	AUX
ajeer-199	83	3	called	call	VERB
ajeer-199	83	4	the	the	DET
ajeer-199	83	5	degree	degree	NOUN
ajeer-199	83	6	of	of	ADP
ajeer-199	83	7	membership	membership	NOUN
ajeer-199	83	8	.	.	PUNCT
ajeer-199	84	1	the	the	DET
ajeer-199	84	2	fuzzy	fuzzy	ADJ
ajeer-199	84	3	set	set	NOUN
ajeer-199	84	4	can	can	AUX
ajeer-199	84	5	better	well	ADV
ajeer-199	84	6	describe	describe	VERB
ajeer-199	84	7	the	the	DET
ajeer-199	84	8	characteristics	characteristic	NOUN
ajeer-199	84	9	of	of	ADP
ajeer-199	84	10	things	thing	NOUN
ajeer-199	84	11	compared	compare	VERB
ajeer-199	84	12	to	to	ADP
ajeer-199	84	13	conventional	conventional	ADJ
ajeer-199	84	14	binary	binary	ADJ
ajeer-199	84	15	logic	logic	NOUN
ajeer-199	84	16	.	.	PUNCT
ajeer-199	85	1	in	in	ADP
ajeer-199	85	2	conventional	conventional	ADJ
ajeer-199	85	3	crisp	crisp	ADJ
ajeer-199	85	4	sets	set	NOUN
ajeer-199	85	5	,	,	PUNCT
ajeer-199	85	6	the	the	DET
ajeer-199	85	7	value	value	NOUN
ajeer-199	85	8	of	of	ADP
ajeer-199	85	9	the	the	DET
ajeer-199	85	10	membership	membership	NOUN
ajeer-199	85	11	function	function	NOUN
ajeer-199	85	12	can	can	AUX
ajeer-199	85	13	only	only	ADV
ajeer-199	85	14	be	be	AUX
ajeer-199	85	15	0	0	NUM
ajeer-199	85	16	or	or	CCONJ
ajeer-199	85	17	1	1	NUM
ajeer-199	85	18	.	.	X
ajeer-199	86	1	equation	equation	NOUN
ajeer-199	86	2	2	2	NUM
ajeer-199	86	3	expresses	express	VERB
ajeer-199	86	4	its	its	PRON
ajeer-199	86	5	membership	membership	NOUN
ajeer-199	86	6	function	function	NOUN
ajeer-199	86	7	.	.	PUNCT
ajeer-199	87	1	equations	equation	NOUN
ajeer-199	87	2	3	3	NUM
ajeer-199	87	3	to	to	PART
ajeer-199	87	4	6	6	NUM
ajeer-199	87	5	show	show	VERB
ajeer-199	87	6	the	the	DET
ajeer-199	87	7	rules	rule	NOUN
ajeer-199	87	8	of	of	ADP
ajeer-199	87	9	operation	operation	NOUN
ajeer-199	87	10	for	for	ADP
ajeer-199	87	11	the	the	DET
ajeer-199	87	12	triangular	triangular	NOUN
ajeer-199	87	13	fuzzy	fuzzy	ADJ
ajeer-199	87	14	number	number	NOUN
ajeer-199	87	15	.	.	PUNCT
ajeer-199	88	1	the	the	DET
ajeer-199	88	2	defuzzification	defuzzification	NOUN
ajeer-199	88	3	operation	operation	NOUN
ajeer-199	88	4	should	should	AUX
ajeer-199	88	5	be	be	AUX
ajeer-199	88	6	performed	perform	VERB
ajeer-199	88	7	according	accord	VERB
ajeer-199	88	8	to	to	ADP
ajeer-199	88	9	the	the	DET
ajeer-199	88	10	three	three	NUM
ajeer-199	88	11	criteria	criterion	NOUN
ajeer-199	88	12	of	of	ADP
ajeer-199	88	13	rationality	rationality	NOUN
ajeer-199	88	14	,	,	PUNCT
ajeer-199	88	15	ease	ease	NOUN
ajeer-199	88	16	of	of	ADP
ajeer-199	88	17	computation	computation	NOUN
ajeer-199	88	18	,	,	PUNCT
ajeer-199	88	19	and	and	CCONJ
ajeer-199	88	20	continuity	continuity	NOUN
ajeer-199	88	21	to	to	PART
ajeer-199	88	22	identify	identify	VERB
ajeer-199	88	23	an	an	DET
ajeer-199	88	24	appropriate	appropriate	ADJ
ajeer-199	88	25	point	point	NOUN
ajeer-199	88	26	to	to	PART
ajeer-199	88	27	represent	represent	VERB
ajeer-199	88	28	the	the	DET
ajeer-199	88	29	fuzzy	fuzzy	ADJ
ajeer-199	88	30	number	number	NOUN
ajeer-199	88	31	.	.	PUNCT
ajeer-199	89	1	commonly	commonly	ADV
ajeer-199	89	2	used	use	VERB
ajeer-199	89	3	defuzzification	defuzzification	NOUN
ajeer-199	89	4	methods	method	NOUN
ajeer-199	89	5	include	include	VERB
ajeer-199	89	6	the	the	DET
ajeer-199	89	7	mean	mean	NOUN
ajeer-199	89	8	of	of	ADP
ajeer-199	89	9	maximum	maximum	ADJ
ajeer-199	89	10	method	method	NOUN
ajeer-199	89	11	,	,	PUNCT
ajeer-199	89	12	the	the	DET
ajeer-199	89	13	center	center	NOUN
ajeer-199	89	14	of	of	ADP
ajeer-199	89	15	gravity	gravity	NOUN
ajeer-199	89	16	method	method	NOUN
ajeer-199	89	17	,	,	PUNCT
ajeer-199	89	18	and	and	CCONJ
ajeer-199	89	19	the	the	DET
ajeer-199	89	20	center	center	NOUN
ajeer-199	89	21	of	of	ADP
ajeer-199	89	22	area	area	NOUN
ajeer-199	89	23	method	method	NOUN
ajeer-199	89	24	(	(	PUNCT
ajeer-199	89	25	li	li	PROPN
ajeer-199	89	26	and	and	CCONJ
ajeer-199	89	27	huang	huang	PROPN
ajeer-199	89	28	,	,	PUNCT
ajeer-199	89	29	2008	2008	NUM
ajeer-199	89	30	)	)	PUNCT
ajeer-199	89	31	.	.	PUNCT
ajeer-199	90	1	{	{	PUNCT
ajeer-199	90	2	(	(	PUNCT
ajeer-199	90	3	2	2	NUM
ajeer-199	90	4	)	)	PUNCT
ajeer-199	90	5	(	(	PUNCT
ajeer-199	90	6	3	3	X
ajeer-199	90	7	)	)	PUNCT
ajeer-199	90	8	(	(	PUNCT
ajeer-199	90	9	)	)	PUNCT
ajeer-199	90	10	(	(	PUNCT
ajeer-199	90	11	4	4	NUM
ajeer-199	90	12	)	)	PUNCT
ajeer-199	90	13	(	(	PUNCT
ajeer-199	90	14	5	5	NUM
ajeer-199	90	15	)	)	PUNCT
ajeer-199	90	16	(	(	PUNCT
ajeer-199	90	17	6	6	NUM
ajeer-199	90	18	)	)	PUNCT
ajeer-199	90	19	2.3	2.3	NUM
ajeer-199	90	20	.	.	PUNCT
ajeer-199	91	1	empirical	empirical	ADJ
ajeer-199	91	2	review	review	NOUN
ajeer-199	91	3	home	home	NOUN
ajeer-199	91	4	purchase	purchase	NOUN
ajeer-199	91	5	represents	represent	VERB
ajeer-199	91	6	a	a	DET
ajeer-199	91	7	major	major	ADJ
ajeer-199	91	8	financial	financial	ADJ
ajeer-199	91	9	commitment	commitment	NOUN
ajeer-199	91	10	for	for	ADP
ajeer-199	91	11	the	the	DET
ajeer-199	91	12	homebuyer	homebuyer	PROPN
ajeer-199	91	13	.	.	PUNCT
ajeer-199	92	1	for	for	ADP
ajeer-199	92	2	the	the	DET
ajeer-199	92	3	majority	majority	NOUN
ajeer-199	92	4	,	,	PUNCT
ajeer-199	92	5	the	the	DET
ajeer-199	92	6	finance	finance	NOUN
ajeer-199	92	7	required	require	VERB
ajeer-199	92	8	is	be	AUX
ajeer-199	92	9	borrowed	borrow	VERB
ajeer-199	92	10	from	from	ADP
ajeer-199	92	11	a	a	DET
ajeer-199	92	12	lending	lending	NOUN
ajeer-199	92	13	institution	institution	NOUN
ajeer-199	92	14	(	(	PUNCT
ajeer-199	92	15	duffy	duffy	PROPN
ajeer-199	92	16	and	and	CCONJ
ajeer-199	92	17	roche	roche	PROPN
ajeer-199	92	18	,	,	PUNCT
ajeer-199	92	19	2005	2005	NUM
ajeer-199	92	20	)	)	PUNCT
ajeer-199	92	21	.	.	PUNCT
ajeer-199	93	1	several	several	ADJ
ajeer-199	93	2	writers	writer	NOUN
ajeer-199	93	3	have	have	AUX
ajeer-199	93	4	extensively	extensively	ADV
ajeer-199	93	5	written	write	VERB
ajeer-199	93	6	on	on	ADP
ajeer-199	93	7	the	the	DET
ajeer-199	93	8	subject	subject	NOUN
ajeer-199	93	9	of	of	ADP
ajeer-199	93	10	wealth	wealth	NOUN
ajeer-199	93	11	acquisition	acquisition	NOUN
ajeer-199	93	12	being	be	AUX
ajeer-199	93	13	a	a	DET
ajeer-199	93	14	factor	factor	NOUN
ajeer-199	93	15	why	why	SCONJ
ajeer-199	93	16	households	household	NOUN
ajeer-199	93	17	buy	buy	VERB
ajeer-199	93	18	mortgage	mortgage	NOUN
ajeer-199	93	19	.	.	PUNCT
ajeer-199	94	1	campbell	campbell	PROPN
ajeer-199	94	2	and	and	CCONJ
ajeer-199	94	3	cocco	cocco	PROPN
ajeer-199	94	4	(	(	PUNCT
ajeer-199	94	5	2007	2007	NUM
ajeer-199	94	6	)	)	PUNCT
ajeer-199	94	7	as	as	SCONJ
ajeer-199	94	8	example	example	NOUN
ajeer-199	94	9	wrote	write	VERB
ajeer-199	94	10	in	in	ADP
ajeer-199	94	11	their	their	PRON
ajeer-199	94	12	paper	paper	NOUN
ajeer-199	94	13	,	,	PUNCT
ajeer-199	94	14	how	how	SCONJ
ajeer-199	94	15	houses	house	NOUN
ajeer-199	94	16	prices	price	NOUN
ajeer-199	94	17	affect	affect	VERB
ajeer-199	94	18	consumption	consumption	NOUN
ajeer-199	94	19	–	–	PUNCT
ajeer-199	94	20	evidence	evidence	NOUN
ajeer-199	94	21	from	from	ADP
ajeer-199	94	22	micro	micro	PROPN
ajeer-199	94	23	data	data	PROPN
ajeer-199	94	24	,	,	PUNCT
ajeer-199	94	25	that	that	SCONJ
ajeer-199	94	26	housing	housing	NOUN
ajeer-199	94	27	is	be	AUX
ajeer-199	94	28	the	the	DET
ajeer-199	94	29	dominant	dominant	ADJ
ajeer-199	94	30	component	component	NOUN
ajeer-199	94	31	of	of	ADP
ajeer-199	94	32	wealth	wealth	NOUN
ajeer-199	94	33	for	for	ADP
ajeer-199	94	34	the	the	DET
ajeer-199	94	35	typical	typical	ADJ
ajeer-199	94	36	household	household	NOUN
ajeer-199	94	37	in	in	ADP
ajeer-199	94	38	the	the	DET
ajeer-199	94	39	united	united	PROPN
ajeer-199	94	40	states	states	PROPN
ajeer-199	94	41	or	or	CCONJ
ajeer-199	94	42	the	the	DET
ajeer-199	94	43	united	united	ADJ
ajeer-199	94	44	kingdom	kingdom	NOUN
ajeer-199	94	45	;	;	PUNCT
ajeer-199	94	46	and	and	CCONJ
ajeer-199	94	47	in	in	ADP
ajeer-199	94	48	fact	fact	NOUN
ajeer-199	94	49	,	,	PUNCT
ajeer-199	94	50	housing	housing	NOUN
ajeer-199	94	51	wealth	wealth	NOUN
ajeer-199	94	52	is	be	AUX
ajeer-199	94	53	particularly	particularly	ADV
ajeer-199	94	54	important	important	ADJ
ajeer-199	94	55	for	for	ADP
ajeer-199	94	56	middle	middle	ADJ
ajeer-199	94	57	-	-	PUNCT
ajeer-199	94	58	class	class	NOUN
ajeer-199	94	59	households	household	NOUN
ajeer-199	94	60	.	.	PUNCT
ajeer-199	95	1	similarly	similarly	ADV
ajeer-199	95	2	,	,	PUNCT
ajeer-199	95	3	guiso	guiso	PROPN
ajeer-199	95	4	et	et	PROPN
ajeer-199	95	5	al	al	PROPN
ajeer-199	95	6	.	.	PROPN
ajeer-199	96	1	(	(	PUNCT
ajeer-199	96	2	2002	2002	NUM
ajeer-199	96	3	)	)	PUNCT
ajeer-199	96	4	reported	report	VERB
ajeer-199	96	5	that	that	SCONJ
ajeer-199	96	6	real	real	ADJ
ajeer-199	96	7	estate	estate	NOUN
ajeer-199	96	8	accounted	account	VERB
ajeer-199	96	9	for	for	ADP
ajeer-199	96	10	35	35	NUM
ajeer-199	96	11	%	%	NOUN
ajeer-199	96	12	of	of	ADP
ajeer-199	96	13	aggregate	aggregate	ADJ
ajeer-199	96	14	household	household	NOUN
ajeer-199	96	15	wealth	wealth	NOUN
ajeer-199	96	16	in	in	ADP
ajeer-199	96	17	the	the	DET
ajeer-199	96	18	uk	uk	PROPN
ajeer-199	96	19	in	in	ADP
ajeer-199	96	20	the	the	DET
ajeer-199	96	21	mid	mid	ADJ
ajeer-199	96	22	1990‟s	1990‟s	NUM
ajeer-199	96	23	.	.	PUNCT
ajeer-199	97	1	tracy	tracy	PROPN
ajeer-199	97	2	and	and	CCONJ
ajeer-199	97	3	schneider	schneider	PROPN
ajeer-199	97	4	(	(	PUNCT
ajeer-199	97	5	2001	2001	NUM
ajeer-199	97	6	)	)	PUNCT
ajeer-199	97	7	,	,	PUNCT
ajeer-199	97	8	for	for	ADP
ajeer-199	97	9	example	example	NOUN
ajeer-199	97	10	,	,	PUNCT
ajeer-199	97	11	showed	show	VERB
ajeer-199	97	12	that	that	SCONJ
ajeer-199	97	13	it	it	PRON
ajeer-199	97	14	accounts	account	VERB
ajeer-199	97	15	for	for	ADP
ajeer-199	97	16	almost	almost	ADV
ajeer-199	97	17	two	two	NUM
ajeer-199	97	18	-	-	PUNCT
ajeer-199	97	19	thirds	third	NOUN
ajeer-199	97	20	of	of	ADP
ajeer-199	97	21	the	the	DET
ajeer-199	97	22	wealth	wealth	NOUN
ajeer-199	97	23	of	of	ADP
ajeer-199	97	24	the	the	DET
ajeer-199	97	25	median	median	NOUN
ajeer-199	97	26	us	us	PROPN
ajeer-199	97	27	household	household	NOUN
ajeer-199	97	28	.	.	PUNCT
ajeer-199	98	1	rybár	rybár	PROPN
ajeer-199	98	2	and	and	CCONJ
ajeer-199	98	3	zemcik	zemcik	PROPN
ajeer-199	98	4	(	(	PUNCT
ajeer-199	98	5	2008	2008	NUM
ajeer-199	98	6	)	)	PUNCT
ajeer-199	98	7	conducted	conduct	VERB
ajeer-199	98	8	a	a	DET
ajeer-199	98	9	survey	survey	NOUN
ajeer-199	98	10	on	on	ADP
ajeer-199	98	11	arm	arm	NOUN
ajeer-199	98	12	or	or	CCONJ
ajeer-199	98	13	frm	frm	PROPN
ajeer-199	98	14	:	:	PUNCT
ajeer-199	98	15	which	which	DET
ajeer-199	98	16	mortgage	mortgage	NOUN
ajeer-199	98	17	contract	contract	NOUN
ajeer-199	98	18	is	be	AUX
ajeer-199	98	19	better	well	ADJ
ajeer-199	98	20	for	for	ADP
ajeer-199	98	21	czech	czech	ADJ
ajeer-199	98	22	households	household	NOUN
ajeer-199	98	23	?	?	PUNCT
ajeer-199	99	1	by	by	ADP
ajeer-199	99	2	using	use	VERB
ajeer-199	99	3	a	a	DET
ajeer-199	99	4	non	non	ADJ
ajeer-199	99	5	-	-	ADJ
ajeer-199	99	6	random	random	ADJ
ajeer-199	99	7	sample	sample	NOUN
ajeer-199	99	8	of	of	ADP
ajeer-199	99	9	3000	3000	NUM
ajeer-199	99	10	households	household	NOUN
ajeer-199	99	11	.	.	PUNCT
ajeer-199	100	1	the	the	DET
ajeer-199	100	2	survey	survey	NOUN
ajeer-199	100	3	attempted	attempt	VERB
ajeer-199	100	4	to	to	PART
ajeer-199	100	5	find	find	VERB
ajeer-199	100	6	out	out	ADP
ajeer-199	100	7	the	the	DET
ajeer-199	100	8	welfare	welfare	NOUN
ajeer-199	100	9	effects	effect	NOUN
ajeer-199	100	10	on	on	ADP
ajeer-199	100	11	fr	fr	PROPN
ajeer-199	100	12	and	and	CCONJ
ajeer-199	100	13	ar	ar	PROPN
ajeer-199	100	14	mortgage	mortgage	NOUN
ajeer-199	100	15	contract	contract	NOUN
ajeer-199	100	16	on	on	ADP
ajeer-199	100	17	czech	czech	ADJ
ajeer-199	100	18	households	household	NOUN
ajeer-199	100	19	by	by	ADP
ajeer-199	100	20	calibrating	calibrate	VERB
ajeer-199	100	21	and	and	CCONJ
ajeer-199	100	22	solving	solve	VERB
ajeer-199	100	23	a	a	DET
ajeer-199	100	24	life	life	NOUN
ajeer-199	100	25	-	-	PUNCT
ajeer-199	100	26	cycle	cycle	NOUN
ajeer-199	100	27	model	model	NOUN
ajeer-199	100	28	used	use	VERB
ajeer-199	100	29	for	for	ADP
ajeer-199	100	30	this	this	DET
ajeer-199	100	31	purpose	purpose	NOUN
ajeer-199	100	32	by	by	ADP
ajeer-199	100	33	campbell	campbell	PROPN
ajeer-199	100	34	and	and	CCONJ
ajeer-199	100	35	cocco	cocco	PROPN
ajeer-199	100	36	(	(	PUNCT
ajeer-199	100	37	2003	2003	NUM
ajeer-199	100	38	)	)	PUNCT
ajeer-199	100	39	.	.	PUNCT
ajeer-199	101	1	they	they	PRON
ajeer-199	101	2	identified	identify	VERB
ajeer-199	101	3	and	and	CCONJ
ajeer-199	101	4	developed	develop	VERB
ajeer-199	101	5	models	model	NOUN
ajeer-199	101	6	for	for	ADP
ajeer-199	101	7	variable	variable	NOUN
ajeer-199	101	8	such	such	ADJ
ajeer-199	101	9	as	as	ADP
ajeer-199	101	10	household	household	NOUN
ajeer-199	101	11	income	income	NOUN
ajeer-199	101	12	,	,	PUNCT
ajeer-199	101	13	preferences	preference	NOUN
ajeer-199	101	14	,	,	PUNCT
ajeer-199	101	15	inflation	inflation	NOUN
ajeer-199	101	16	,	,	PUNCT
ajeer-199	101	17	exchange	exchange	NOUN
ajeer-199	101	18	rates	rate	NOUN
ajeer-199	101	19	,	,	PUNCT
ajeer-199	101	20	house	house	NOUN
ajeer-199	101	21	prices	price	NOUN
ajeer-199	101	22	,	,	PUNCT
ajeer-199	101	23	taxation	taxation	NOUN
ajeer-199	101	24	and	and	CCONJ
ajeer-199	101	25	mortgage	mortgage	NOUN
ajeer-199	101	26	contracts	contract	NOUN
ajeer-199	101	27	to	to	PART
ajeer-199	101	28	be	be	AUX
ajeer-199	101	29	the	the	DET
ajeer-199	101	30	key	key	ADJ
ajeer-199	101	31	factors	factor	NOUN
ajeer-199	101	32	that	that	PRON
ajeer-199	101	33	affected	affect	VERB
ajeer-199	101	34	the	the	DET
ajeer-199	101	35	choice	choice	NOUN
ajeer-199	101	36	between	between	ADP
ajeer-199	101	37	arm	arm	NOUN
ajeer-199	101	38	and	and	CCONJ
ajeer-199	101	39	frm	frm	PROPN
ajeer-199	101	40	,	,	PUNCT
ajeer-199	101	41	similar	similar	ADJ
ajeer-199	101	42	to	to	ADP
ajeer-199	101	43	what	what	PRON
ajeer-199	101	44	was	be	AUX
ajeer-199	101	45	found	find	VERB
ajeer-199	101	46	in	in	ADP
ajeer-199	101	47	campbell	campbell	PROPN
ajeer-199	101	48	and	and	CCONJ
ajeer-199	101	49	cocco	cocco	PROPN
ajeer-199	101	50	(	(	PUNCT
ajeer-199	101	51	2003	2003	NUM
ajeer-199	101	52	)	)	PUNCT
ajeer-199	101	53	.	.	PUNCT
ajeer-199	102	1	popplewell	popplewell	NOUN
ajeer-199	102	2	(	(	PUNCT
ajeer-199	102	3	2000	2000	NUM
ajeer-199	102	4	)	)	PUNCT
ajeer-199	102	5	indicated	indicate	VERB
ajeer-199	102	6	that	that	SCONJ
ajeer-199	102	7	the	the	DET
ajeer-199	102	8	reasons	reason	NOUN
ajeer-199	102	9	why	why	SCONJ
ajeer-199	102	10	a	a	DET
ajeer-199	102	11	person	person	NOUN
ajeer-199	102	12	might	might	AUX
ajeer-199	102	13	wish	wish	VERB
ajeer-199	102	14	to	to	PART
ajeer-199	102	15	raise	raise	VERB
ajeer-199	102	16	funds	fund	NOUN
ajeer-199	102	17	for	for	ADP
ajeer-199	102	18	putting	put	VERB
ajeer-199	102	19	up	up	ADP
ajeer-199	102	20	the	the	DET
ajeer-199	102	21	deeds	deed	NOUN
ajeer-199	102	22	of	of	ADP
ajeer-199	102	23	a	a	DET
ajeer-199	102	24	property	property	NOUN
ajeer-199	102	25	as	as	ADP
ajeer-199	102	26	security	security	NOUN
ajeer-199	102	27	for	for	ADP
ajeer-199	102	28	a	a	DET
ajeer-199	102	29	loan	loan	NOUN
ajeer-199	102	30	can	can	AUX
ajeer-199	102	31	broadly	broadly	ADV
ajeer-199	102	32	be	be	AUX
ajeer-199	102	33	divided	divide	VERB
ajeer-199	102	34	into	into	ADP
ajeer-199	102	35	three	three	NUM
ajeer-199	102	36	.	.	PUNCT
ajeer-199	103	1	however	however	ADV
ajeer-199	103	2	,	,	PUNCT
ajeer-199	103	3	there	there	PRON
ajeer-199	103	4	are	be	VERB
ajeer-199	103	5	different	different	ADJ
ajeer-199	103	6	requirements	requirement	NOUN
ajeer-199	103	7	within	within	ADP
ajeer-199	103	8	these	these	DET
ajeer-199	103	9	three	three	NUM
ajeer-199	103	10	broad	broad	ADJ
ajeer-199	103	11	segments	segment	NOUN
ajeer-199	103	12	.	.	PUNCT
ajeer-199	104	1	according	accord	VERB
ajeer-199	104	2	to	to	ADP
ajeer-199	104	3	him	he	PRON
ajeer-199	104	4	the	the	DET
ajeer-199	104	5	reasons	reason	NOUN
ajeer-199	104	6	may	may	AUX
ajeer-199	104	7	include	include	VERB
ajeer-199	104	8	whether	whether	SCONJ
ajeer-199	104	9	to	to	PART
ajeer-199	104	10	buy	buy	VERB
ajeer-199	104	11	a	a	DET
ajeer-199	104	12	house	house	NOUN
ajeer-199	104	13	for	for	ADP
ajeer-199	104	14	the	the	DET
ajeer-199	104	15	first	first	ADJ
ajeer-199	104	16	time	time	NOUN
ajeer-199	104	17	,	,	PUNCT
ajeer-199	104	18	to	to	PART
ajeer-199	104	19	improve	improve	VERB
ajeer-199	104	20	an	an	DET
ajeer-199	104	21	existing	exist	VERB
ajeer-199	104	22	one	one	NOUN
ajeer-199	104	23	or	or	CCONJ
ajeer-199	104	24	buying	buy	VERB
ajeer-199	104	25	additional	additional	ADJ
ajeer-199	104	26	houses	house	NOUN
ajeer-199	104	27	for	for	ADP
ajeer-199	104	28	rental	rental	ADJ
ajeer-199	104	29	purposes	purpose	NOUN
ajeer-199	104	30	(	(	PUNCT
ajeer-199	104	31	income	income	NOUN
ajeer-199	104	32	generation	generation	NOUN
ajeer-199	104	33	)	)	PUNCT
ajeer-199	104	34	.	.	PUNCT
ajeer-199	105	1	popplewell	popplewell	NOUN
ajeer-199	105	2	(	(	PUNCT
ajeer-199	105	3	2000	2000	NUM
ajeer-199	105	4	)	)	PUNCT
ajeer-199	105	5	explained	explain	VERB
ajeer-199	105	6	that	that	SCONJ
ajeer-199	105	7	,	,	PUNCT
ajeer-199	105	8	fist	fist	NOUN
ajeer-199	105	9	-	-	PUNCT
ajeer-199	105	10	time	time	NOUN
ajeer-199	105	11	house	house	NOUN
ajeer-199	105	12	buyers	buyer	NOUN
ajeer-199	105	13	have	have	VERB
ajeer-199	105	14	several	several	ADJ
ajeer-199	105	15	advantages	advantage	NOUN
ajeer-199	105	16	over	over	ADP
ajeer-199	105	17	existing	exist	VERB
ajeer-199	105	18	buyers	buyer	NOUN
ajeer-199	105	19	to	to	ADP
ajeer-199	105	20	sellers	seller	NOUN
ajeer-199	105	21	.	.	PUNCT
ajeer-199	106	1	however	however	ADV
ajeer-199	106	2	,	,	PUNCT
ajeer-199	106	3	the	the	DET
ajeer-199	106	4	existing	exist	VERB
ajeer-199	106	5	buyers‟	buyers‟	NOUN
ajeer-199	106	6	credit	credit	NOUN
ajeer-199	106	7	history	history	NOUN
ajeer-199	106	8	(	(	PUNCT
ajeer-199	106	9	credit	credit	NOUN
ajeer-199	106	10	worthiness	worthiness	NOUN
ajeer-199	106	11	)	)	PUNCT
ajeer-199	106	12	will	will	AUX
ajeer-199	106	13	be	be	AUX
ajeer-199	106	14	known	know	VERB
ajeer-199	106	15	to	to	ADP
ajeer-199	106	16	the	the	DET
ajeer-199	106	17	seller	seller	NOUN
ajeer-199	106	18	.	.	PUNCT
ajeer-199	107	1	he	he	PRON
ajeer-199	107	2	said	say	VERB
ajeer-199	107	3	the	the	DET
ajeer-199	107	4	risk	risk	NOUN
ajeer-199	107	5	that	that	SCONJ
ajeer-199	107	6	the	the	DET
ajeer-199	107	7	asian	asian	ADJ
ajeer-199	107	8	journal	journal	NOUN
ajeer-199	107	9	of	of	ADP
ajeer-199	107	10	economics	economic	NOUN
ajeer-199	107	11	and	and	CCONJ
ajeer-199	107	12	empirical	empirical	ADJ
ajeer-199	107	13	research	research	NOUN
ajeer-199	107	14	,	,	PUNCT
ajeer-199	107	15	2015	2015	NUM
ajeer-199	107	16	,	,	PUNCT
ajeer-199	107	17	2(2	2(2	NUM
ajeer-199	107	18	):	):	PUNCT
ajeer-199	107	19	52	52	NUM
ajeer-199	107	20	-	-	SYM
ajeer-199	107	21	61	61	NUM
ajeer-199	107	22	55	55	NUM
ajeer-199	107	23	first	first	ADJ
ajeer-199	107	24	time	time	NOUN
ajeer-199	107	25	buyer	buyer	NOUN
ajeer-199	107	26	may	may	AUX
ajeer-199	107	27	engage	engage	VERB
ajeer-199	107	28	in	in	ADP
ajeer-199	107	29	moral	moral	ADJ
ajeer-199	107	30	hazards	hazard	NOUN
ajeer-199	107	31	is	be	AUX
ajeer-199	107	32	minimal	minimal	ADJ
ajeer-199	107	33	;	;	PUNCT
ajeer-199	107	34	they	they	PRON
ajeer-199	107	35	may	may	AUX
ajeer-199	107	36	also	also	ADV
ajeer-199	107	37	become	become	VERB
ajeer-199	107	38	the	the	DET
ajeer-199	107	39	life	life	NOUN
ajeer-199	107	40	time	time	NOUN
ajeer-199	107	41	mortgage	mortgage	NOUN
ajeer-199	107	42	clients	client	NOUN
ajeer-199	107	43	.	.	PUNCT
ajeer-199	108	1	in	in	ADP
ajeer-199	108	2	relation	relation	NOUN
ajeer-199	108	3	,	,	PUNCT
ajeer-199	108	4	first	first	ADJ
ajeer-199	108	5	-	-	PUNCT
ajeer-199	108	6	time	time	NOUN
ajeer-199	108	7	buyers	buyer	NOUN
ajeer-199	108	8	may	may	AUX
ajeer-199	108	9	be	be	AUX
ajeer-199	108	10	better	well	ADV
ajeer-199	108	11	advised	advise	VERB
ajeer-199	108	12	to	to	PART
ajeer-199	108	13	borrow	borrow	VERB
ajeer-199	108	14	as	as	ADV
ajeer-199	108	15	much	much	ADJ
ajeer-199	108	16	as	as	ADP
ajeer-199	108	17	possible	possible	ADJ
ajeer-199	108	18	on	on	ADP
ajeer-199	108	19	mortgage	mortgage	NOUN
ajeer-199	108	20	because	because	SCONJ
ajeer-199	108	21	of	of	ADP
ajeer-199	108	22	its	its	PRON
ajeer-199	108	23	long	long	ADJ
ajeer-199	108	24	life	life	NOUN
ajeer-199	108	25	span	span	NOUN
ajeer-199	108	26	,	,	PUNCT
ajeer-199	108	27	rather	rather	ADV
ajeer-199	108	28	than	than	ADP
ajeer-199	108	29	putting	put	VERB
ajeer-199	108	30	their	their	PRON
ajeer-199	108	31	own	own	ADJ
ajeer-199	108	32	money	money	NOUN
ajeer-199	108	33	into	into	ADP
ajeer-199	108	34	property	property	NOUN
ajeer-199	108	35	.	.	PUNCT
ajeer-199	109	1	thirdly	thirdly	ADV
ajeer-199	109	2	,	,	PUNCT
ajeer-199	109	3	popplewell	popplewell	PROPN
ajeer-199	109	4	(	(	PUNCT
ajeer-199	109	5	2000	2000	NUM
ajeer-199	109	6	)	)	PUNCT
ajeer-199	109	7	further	far	ADV
ajeer-199	109	8	explained	explain	VERB
ajeer-199	109	9	that	that	SCONJ
ajeer-199	109	10	many	many	ADJ
ajeer-199	109	11	people	people	NOUN
ajeer-199	109	12	from	from	ADP
ajeer-199	109	13	time	time	NOUN
ajeer-199	109	14	to	to	ADP
ajeer-199	109	15	time	time	NOUN
ajeer-199	109	16	seek	seek	VERB
ajeer-199	109	17	to	to	PART
ajeer-199	109	18	improve	improve	VERB
ajeer-199	109	19	or	or	CCONJ
ajeer-199	109	20	extend	extend	VERB
ajeer-199	109	21	their	their	PRON
ajeer-199	109	22	property	property	NOUN
ajeer-199	109	23	and	and	CCONJ
ajeer-199	109	24	because	because	SCONJ
ajeer-199	109	25	the	the	DET
ajeer-199	109	26	rate	rate	NOUN
ajeer-199	109	27	of	of	ADP
ajeer-199	109	28	interest	interest	NOUN
ajeer-199	109	29	charged	charge	VERB
ajeer-199	109	30	by	by	ADP
ajeer-199	109	31	a	a	DET
ajeer-199	109	32	mortgage	mortgage	NOUN
ajeer-199	109	33	lender	lender	NOUN
ajeer-199	109	34	is	be	AUX
ajeer-199	109	35	generally	generally	ADV
ajeer-199	109	36	lower	low	ADJ
ajeer-199	109	37	than	than	ADP
ajeer-199	109	38	other	other	ADJ
ajeer-199	109	39	forms	form	NOUN
ajeer-199	109	40	of	of	ADP
ajeer-199	109	41	borrowing	borrowing	NOUN
ajeer-199	109	42	,	,	PUNCT
ajeer-199	109	43	the	the	DET
ajeer-199	109	44	house	house	NOUN
ajeer-199	109	45	owner	owner	NOUN
ajeer-199	109	46	will	will	AUX
ajeer-199	109	47	,	,	PUNCT
ajeer-199	109	48	more	more	ADV
ajeer-199	109	49	often	often	ADV
ajeer-199	109	50	than	than	ADP
ajeer-199	109	51	not	not	PART
ajeer-199	109	52	,	,	PUNCT
ajeer-199	109	53	look	look	VERB
ajeer-199	109	54	to	to	PART
ajeer-199	109	55	raise	raise	VERB
ajeer-199	109	56	funds	fund	NOUN
ajeer-199	109	57	by	by	ADP
ajeer-199	109	58	way	way	NOUN
ajeer-199	109	59	of	of	ADP
ajeer-199	109	60	mortgage	mortgage	NOUN
ajeer-199	109	61	.	.	PUNCT
ajeer-199	110	1	usually	usually	ADV
ajeer-199	110	2	,	,	PUNCT
ajeer-199	110	3	the	the	DET
ajeer-199	110	4	formalities	formality	NOUN
ajeer-199	110	5	required	require	VERB
ajeer-199	110	6	in	in	ADP
ajeer-199	110	7	this	this	DET
ajeer-199	110	8	category	category	NOUN
ajeer-199	110	9	of	of	ADP
ajeer-199	110	10	lending	lending	NOUN
ajeer-199	110	11	are	be	AUX
ajeer-199	110	12	relatively	relatively	ADV
ajeer-199	110	13	simple	simple	ADJ
ajeer-199	110	14	in	in	ADP
ajeer-199	110	15	that	that	PRON
ajeer-199	110	16	,	,	PUNCT
ajeer-199	110	17	the	the	DET
ajeer-199	110	18	lender	lender	NOUN
ajeer-199	110	19	will	will	AUX
ajeer-199	110	20	not	not	PART
ajeer-199	110	21	necessarily	necessarily	ADV
ajeer-199	110	22	need	need	VERB
ajeer-199	110	23	to	to	PART
ajeer-199	110	24	carry	carry	VERB
ajeer-199	110	25	out	out	ADP
ajeer-199	110	26	credit	credit	NOUN
ajeer-199	110	27	risk	risk	NOUN
ajeer-199	110	28	checks	check	NOUN
ajeer-199	110	29	.	.	PUNCT
ajeer-199	111	1	asare	asare	PROPN
ajeer-199	111	2	and	and	CCONJ
ajeer-199	111	3	whitehead	whitehead	PROPN
ajeer-199	111	4	(	(	PUNCT
ajeer-199	111	5	2006	2006	NUM
ajeer-199	111	6	)	)	PUNCT
ajeer-199	111	7	further	far	ADV
ajeer-199	111	8	indicated	indicate	VERB
ajeer-199	111	9	that	that	SCONJ
ajeer-199	111	10	low	low	ADJ
ajeer-199	111	11	incomes	income	NOUN
ajeer-199	111	12	and	and	CCONJ
ajeer-199	111	13	the	the	DET
ajeer-199	111	14	problems	problem	NOUN
ajeer-199	111	15	in	in	ADP
ajeer-199	111	16	determining	determine	VERB
ajeer-199	111	17	credit	credit	NOUN
ajeer-199	111	18	history	history	NOUN
ajeer-199	111	19	have	have	AUX
ajeer-199	111	20	been	be	AUX
ajeer-199	111	21	argued	argue	VERB
ajeer-199	111	22	to	to	PART
ajeer-199	111	23	be	be	AUX
ajeer-199	111	24	relevant	relevant	ADJ
ajeer-199	111	25	challenges	challenge	NOUN
ajeer-199	111	26	as	as	ADV
ajeer-199	111	27	far	far	ADV
ajeer-199	111	28	as	as	SCONJ
ajeer-199	111	29	mortgage	mortgage	NOUN
ajeer-199	111	30	loans	loan	NOUN
ajeer-199	111	31	are	be	AUX
ajeer-199	111	32	concerned	concern	VERB
ajeer-199	111	33	in	in	ADP
ajeer-199	111	34	developing	develop	VERB
ajeer-199	111	35	economies	economy	NOUN
ajeer-199	111	36	.	.	PUNCT
ajeer-199	112	1	given	give	VERB
ajeer-199	112	2	the	the	DET
ajeer-199	112	3	level	level	NOUN
ajeer-199	112	4	of	of	ADP
ajeer-199	112	5	incomes	income	NOUN
ajeer-199	112	6	in	in	ADP
ajeer-199	112	7	some	some	DET
ajeer-199	112	8	developing	develop	VERB
ajeer-199	112	9	countries	country	NOUN
ajeer-199	112	10	like	like	ADP
ajeer-199	112	11	ghana	ghana	PROPN
ajeer-199	112	12	,	,	PUNCT
ajeer-199	112	13	lenders	lender	NOUN
ajeer-199	112	14	are	be	AUX
ajeer-199	112	15	reluctant	reluctant	ADJ
ajeer-199	112	16	to	to	PART
ajeer-199	112	17	grant	grant	VERB
ajeer-199	112	18	loans	loan	NOUN
ajeer-199	112	19	affordable	affordable	ADJ
ajeer-199	112	20	to	to	ADP
ajeer-199	112	21	customers	customer	NOUN
ajeer-199	112	22	,	,	PUNCT
ajeer-199	112	23	and	and	CCONJ
ajeer-199	112	24	borrowers	borrower	NOUN
ajeer-199	112	25	are	be	AUX
ajeer-199	112	26	not	not	PART
ajeer-199	112	27	prepared	prepared	ADJ
ajeer-199	112	28	to	to	PART
ajeer-199	112	29	accept	accept	VERB
ajeer-199	112	30	the	the	DET
ajeer-199	112	31	terms	term	NOUN
ajeer-199	112	32	(	(	PUNCT
ajeer-199	112	33	with	with	ADP
ajeer-199	112	34	high	high	ADJ
ajeer-199	112	35	rates	rate	NOUN
ajeer-199	112	36	)	)	PUNCT
ajeer-199	112	37	proposed	propose	VERB
ajeer-199	112	38	by	by	ADP
ajeer-199	112	39	lenders	lender	NOUN
ajeer-199	112	40	.	.	PUNCT
ajeer-199	113	1	for	for	ADP
ajeer-199	113	2	example	example	NOUN
ajeer-199	113	3	,	,	PUNCT
ajeer-199	113	4	karley	karley	NOUN
ajeer-199	113	5	(	(	PUNCT
ajeer-199	113	6	2002	2002	NUM
ajeer-199	113	7	)	)	PUNCT
ajeer-199	113	8	emphasized	emphasize	VERB
ajeer-199	113	9	the	the	DET
ajeer-199	113	10	point	point	NOUN
ajeer-199	113	11	that	that	SCONJ
ajeer-199	113	12	about	about	ADV
ajeer-199	113	13	90	90	NUM
ajeer-199	113	14	%	%	NOUN
ajeer-199	113	15	of	of	ADP
ajeer-199	113	16	all	all	DET
ajeer-199	113	17	customers	customer	NOUN
ajeer-199	113	18	of	of	ADP
ajeer-199	113	19	a	a	DET
ajeer-199	113	20	bank	bank	NOUN
ajeer-199	113	21	in	in	ADP
ajeer-199	113	22	accra	accra	NOUN
ajeer-199	113	23	withdraw	withdraw	VERB
ajeer-199	113	24	almost	almost	ADV
ajeer-199	113	25	all	all	DET
ajeer-199	113	26	their	their	PRON
ajeer-199	113	27	salary	salary	NOUN
ajeer-199	113	28	by	by	ADP
ajeer-199	113	29	the	the	DET
ajeer-199	113	30	next	next	ADJ
ajeer-199	113	31	pay	pay	NOUN
ajeer-199	113	32	day	day	NOUN
ajeer-199	113	33	and	and	CCONJ
ajeer-199	113	34	for	for	ADP
ajeer-199	113	35	that	that	DET
ajeer-199	113	36	matter	matter	NOUN
ajeer-199	113	37	make	make	VERB
ajeer-199	113	38	credit	credit	NOUN
ajeer-199	113	39	worthiness	worthiness	NOUN
ajeer-199	113	40	assessment	assessment	NOUN
ajeer-199	113	41	by	by	ADP
ajeer-199	113	42	banks	bank	NOUN
ajeer-199	113	43	difficult	difficult	ADJ
ajeer-199	113	44	.	.	PUNCT
ajeer-199	114	1	this	this	PRON
ajeer-199	114	2	suggests	suggest	VERB
ajeer-199	114	3	that	that	SCONJ
ajeer-199	114	4	since	since	SCONJ
ajeer-199	114	5	nothing	nothing	PRON
ajeer-199	114	6	or	or	CCONJ
ajeer-199	114	7	relatively	relatively	ADV
ajeer-199	114	8	small	small	ADJ
ajeer-199	114	9	amounts	amount	NOUN
ajeer-199	114	10	are	be	AUX
ajeer-199	114	11	left	leave	VERB
ajeer-199	114	12	in	in	ADP
ajeer-199	114	13	the	the	DET
ajeer-199	114	14	accounts	account	NOUN
ajeer-199	114	15	,	,	PUNCT
ajeer-199	114	16	all	all	DET
ajeer-199	114	17	things	thing	NOUN
ajeer-199	114	18	being	be	AUX
ajeer-199	114	19	equal	equal	ADJ
ajeer-199	114	20	,	,	PUNCT
ajeer-199	114	21	nothing	nothing	PRON
ajeer-199	114	22	or	or	CCONJ
ajeer-199	114	23	relatively	relatively	ADV
ajeer-199	114	24	insufficient	insufficient	ADJ
ajeer-199	114	25	amounts	amount	NOUN
ajeer-199	114	26	will	will	AUX
ajeer-199	114	27	be	be	AUX
ajeer-199	114	28	left	leave	VERB
ajeer-199	114	29	for	for	ADP
ajeer-199	114	30	the	the	DET
ajeer-199	114	31	monthly	monthly	ADJ
ajeer-199	114	32	mortgage	mortgage	NOUN
ajeer-199	114	33	repayment	repayment	NOUN
ajeer-199	114	34	.	.	PUNCT
ajeer-199	115	1	quite	quite	DET
ajeer-199	115	2	a	a	DET
ajeer-199	115	3	number	number	NOUN
ajeer-199	115	4	of	of	ADP
ajeer-199	115	5	researchers	researcher	NOUN
ajeer-199	115	6	have	have	AUX
ajeer-199	115	7	focused	focus	VERB
ajeer-199	115	8	on	on	ADP
ajeer-199	115	9	the	the	DET
ajeer-199	115	10	area	area	NOUN
ajeer-199	115	11	of	of	ADP
ajeer-199	115	12	mortgage	mortgage	NOUN
ajeer-199	115	13	affordability	affordability	NOUN
ajeer-199	115	14	with	with	ADP
ajeer-199	115	15	different	different	ADJ
ajeer-199	115	16	definitions	definition	NOUN
ajeer-199	115	17	and	and	CCONJ
ajeer-199	115	18	measurement	measurement	NOUN
ajeer-199	115	19	variables	variable	NOUN
ajeer-199	115	20	.	.	PUNCT
ajeer-199	116	1	affordability	affordability	NOUN
ajeer-199	116	2	is	be	AUX
ajeer-199	116	3	defined	define	VERB
ajeer-199	116	4	as	as	ADP
ajeer-199	116	5	the	the	DET
ajeer-199	116	6	ability	ability	NOUN
ajeer-199	116	7	to	to	PART
ajeer-199	116	8	purchase	purchase	VERB
ajeer-199	116	9	a	a	DET
ajeer-199	116	10	dwelling	dwelling	NOUN
ajeer-199	116	11	of	of	ADP
ajeer-199	116	12	the	the	DET
ajeer-199	116	13	appropriate	appropriate	ADJ
ajeer-199	116	14	size	size	NOUN
ajeer-199	116	15	and	and	CCONJ
ajeer-199	116	16	minimum	minimum	NOUN
ajeer-199	116	17	physical	physical	ADJ
ajeer-199	116	18	and	and	CCONJ
ajeer-199	116	19	sanitary	sanitary	NOUN
ajeer-199	116	20	standards	standard	NOUN
ajeer-199	116	21	and	and	CCONJ
ajeer-199	116	22	still	still	ADV
ajeer-199	116	23	have	have	VERB
ajeer-199	116	24	sufficient	sufficient	ADJ
ajeer-199	116	25	income	income	NOUN
ajeer-199	116	26	to	to	PART
ajeer-199	116	27	enjoy	enjoy	VERB
ajeer-199	116	28	at	at	ADP
ajeer-199	116	29	least	least	ADJ
ajeer-199	116	30	the	the	DET
ajeer-199	116	31	minimum	minimum	ADJ
ajeer-199	116	32	consumption	consumption	NOUN
ajeer-199	116	33	of	of	ADP
ajeer-199	116	34	other	other	ADJ
ajeer-199	116	35	essential	essential	ADJ
ajeer-199	116	36	goods	good	NOUN
ajeer-199	116	37	and	and	CCONJ
ajeer-199	116	38	services	service	NOUN
ajeer-199	116	39	(	(	PUNCT
ajeer-199	116	40	hegedüs	hegedü	NOUN
ajeer-199	116	41	and	and	CCONJ
ajeer-199	116	42	struyk	struyk	NOUN
ajeer-199	116	43	,	,	PUNCT
ajeer-199	116	44	2005	2005	NUM
ajeer-199	116	45	)	)	PUNCT
ajeer-199	116	46	.	.	PUNCT
ajeer-199	117	1	gan	gan	PROPN
ajeer-199	117	2	and	and	CCONJ
ajeer-199	117	3	hill	hill	PROPN
ajeer-199	117	4	(	(	PUNCT
ajeer-199	117	5	2009	2009	NUM
ajeer-199	117	6	)	)	PUNCT
ajeer-199	117	7	,	,	PUNCT
ajeer-199	117	8	showed	show	VERB
ajeer-199	117	9	that	that	SCONJ
ajeer-199	117	10	the	the	DET
ajeer-199	117	11	concept	concept	NOUN
ajeer-199	117	12	of	of	ADP
ajeer-199	117	13	mortgage	mortgage	NOUN
ajeer-199	117	14	affordability	affordability	NOUN
ajeer-199	117	15	can	can	AUX
ajeer-199	117	16	be	be	AUX
ajeer-199	117	17	thought	think	VERB
ajeer-199	117	18	of	of	ADP
ajeer-199	117	19	in	in	ADP
ajeer-199	117	20	at	at	ADV
ajeer-199	117	21	least	least	ADV
ajeer-199	117	22	three	three	NUM
ajeer-199	117	23	different	different	ADJ
ajeer-199	117	24	ways	way	NOUN
ajeer-199	117	25	.	.	PUNCT
ajeer-199	118	1	they	they	PRON
ajeer-199	118	2	drew	draw	VERB
ajeer-199	118	3	distinction	distinction	NOUN
ajeer-199	118	4	between	between	ADP
ajeer-199	118	5	the	the	DET
ajeer-199	118	6	concepts	concept	NOUN
ajeer-199	118	7	of	of	ADP
ajeer-199	118	8	purchase	purchase	NOUN
ajeer-199	118	9	affordability	affordability	NOUN
ajeer-199	118	10	,	,	PUNCT
ajeer-199	118	11	repayment	repayment	NOUN
ajeer-199	118	12	affordability	affordability	NOUN
ajeer-199	118	13	and	and	CCONJ
ajeer-199	118	14	income	income	NOUN
ajeer-199	118	15	affordability	affordability	NOUN
ajeer-199	118	16	.	.	PUNCT
ajeer-199	119	1	according	accord	VERB
ajeer-199	119	2	to	to	ADP
ajeer-199	119	3	them	they	PRON
ajeer-199	119	4	,	,	PUNCT
ajeer-199	119	5	purchase	purchase	NOUN
ajeer-199	119	6	affordability	affordability	NOUN
ajeer-199	119	7	considers	consider	VERB
ajeer-199	119	8	whether	whether	SCONJ
ajeer-199	119	9	a	a	DET
ajeer-199	119	10	household	household	NOUN
ajeer-199	119	11	is	be	AUX
ajeer-199	119	12	able	able	ADJ
ajeer-199	119	13	to	to	PART
ajeer-199	119	14	borrow	borrow	VERB
ajeer-199	119	15	enough	enough	ADJ
ajeer-199	119	16	funds	fund	NOUN
ajeer-199	119	17	to	to	PART
ajeer-199	119	18	purchase	purchase	VERB
ajeer-199	119	19	a	a	DET
ajeer-199	119	20	house	house	NOUN
ajeer-199	119	21	;	;	PUNCT
ajeer-199	119	22	repayment	repayment	NOUN
ajeer-199	119	23	affordability	affordability	NOUN
ajeer-199	119	24	considers	consider	VERB
ajeer-199	119	25	the	the	DET
ajeer-199	119	26	burden	burden	NOUN
ajeer-199	119	27	imposed	impose	VERB
ajeer-199	119	28	on	on	ADP
ajeer-199	119	29	a	a	DET
ajeer-199	119	30	household	household	NOUN
ajeer-199	119	31	of	of	ADP
ajeer-199	119	32	repaying	repay	VERB
ajeer-199	119	33	the	the	DET
ajeer-199	119	34	mortgage	mortgage	NOUN
ajeer-199	119	35	whilst	whilst	SCONJ
ajeer-199	119	36	income	income	NOUN
ajeer-199	119	37	affordability	affordability	NOUN
ajeer-199	119	38	simply	simply	ADV
ajeer-199	119	39	measures	measure	VERB
ajeer-199	119	40	the	the	DET
ajeer-199	119	41	ratio	ratio	NOUN
ajeer-199	119	42	of	of	ADP
ajeer-199	119	43	house	house	NOUN
ajeer-199	119	44	prices	price	NOUN
ajeer-199	119	45	to	to	AUX
ajeer-199	119	46	income	income	VERB
ajeer-199	119	47	.	.	PUNCT
ajeer-199	120	1	trimbath	trimbath	PROPN
ajeer-199	120	2	and	and	CCONJ
ajeer-199	120	3	montoya	montoya	PROPN
ajeer-199	120	4	(	(	PUNCT
ajeer-199	120	5	2002	2002	NUM
ajeer-199	120	6	)	)	PUNCT
ajeer-199	120	7	described	describe	VERB
ajeer-199	120	8	affordability	affordability	NOUN
ajeer-199	120	9	as	as	ADP
ajeer-199	120	10	a	a	DET
ajeer-199	120	11	public	public	ADJ
ajeer-199	120	12	policy	policy	NOUN
ajeer-199	120	13	target	target	NOUN
ajeer-199	120	14	that	that	PRON
ajeer-199	120	15	moves	move	VERB
ajeer-199	120	16	in	in	ADP
ajeer-199	120	17	three	three	NUM
ajeer-199	120	18	-	-	PUNCT
ajeer-199	120	19	dimensional	dimensional	ADJ
ajeer-199	120	20	space	space	NOUN
ajeer-199	120	21	measured	measure	VERB
ajeer-199	120	22	by	by	ADP
ajeer-199	120	23	three	three	NUM
ajeer-199	120	24	variables	variable	NOUN
ajeer-199	120	25	,	,	PUNCT
ajeer-199	120	26	thus	thus	ADV
ajeer-199	120	27	,	,	PUNCT
ajeer-199	120	28	home	home	NOUN
ajeer-199	120	29	prices	price	NOUN
ajeer-199	120	30	,	,	PUNCT
ajeer-199	120	31	household	household	NOUN
ajeer-199	120	32	income	income	NOUN
ajeer-199	120	33	and	and	CCONJ
ajeer-199	120	34	mortgage	mortgage	NOUN
ajeer-199	120	35	interest	interest	NOUN
ajeer-199	120	36	rates	rate	NOUN
ajeer-199	120	37	.	.	PUNCT
ajeer-199	121	1	the	the	DET
ajeer-199	121	2	concept	concept	NOUN
ajeer-199	121	3	is	be	AUX
ajeer-199	121	4	also	also	ADV
ajeer-199	121	5	frequently	frequently	ADV
ajeer-199	121	6	interpreted	interpret	VERB
ajeer-199	121	7	as	as	ADP
ajeer-199	121	8	the	the	DET
ajeer-199	121	9	relationship	relationship	NOUN
ajeer-199	121	10	between	between	ADP
ajeer-199	121	11	household	household	NOUN
ajeer-199	121	12	income	income	NOUN
ajeer-199	121	13	and	and	CCONJ
ajeer-199	121	14	housing	housing	NOUN
ajeer-199	121	15	expenditure	expenditure	NOUN
ajeer-199	121	16	;	;	PUNCT
ajeer-199	121	17	housing	housing	NOUN
ajeer-199	121	18	is	be	AUX
ajeer-199	121	19	affordable	affordable	ADJ
ajeer-199	121	20	if	if	SCONJ
ajeer-199	121	21	expenditure	expenditure	NOUN
ajeer-199	121	22	relative	relative	ADJ
ajeer-199	121	23	to	to	ADP
ajeer-199	121	24	income	income	NOUN
ajeer-199	121	25	is	be	AUX
ajeer-199	121	26	reasonable	reasonable	ADJ
ajeer-199	121	27	or	or	CCONJ
ajeer-199	121	28	moderate	moderate	ADJ
ajeer-199	121	29	(	(	PUNCT
ajeer-199	121	30	kutty	kutty	PROPN
ajeer-199	121	31	,	,	PUNCT
ajeer-199	121	32	2005	2005	NUM
ajeer-199	121	33	)	)	PUNCT
ajeer-199	121	34	.	.	PUNCT
ajeer-199	122	1	in	in	ADP
ajeer-199	122	2	an	an	DET
ajeer-199	122	3	attempt	attempt	NOUN
ajeer-199	122	4	to	to	PART
ajeer-199	122	5	safeguard	safeguard	VERB
ajeer-199	122	6	investors‟	investors‟	PROPN
ajeer-199	122	7	investment	investment	NOUN
ajeer-199	122	8	in	in	ADP
ajeer-199	122	9	businesses	business	NOUN
ajeer-199	122	10	,	,	PUNCT
ajeer-199	122	11	lenders	lender	NOUN
ajeer-199	122	12	in	in	ADP
ajeer-199	122	13	contemporary	contemporary	ADJ
ajeer-199	122	14	business	business	NOUN
ajeer-199	122	15	ensure	ensure	VERB
ajeer-199	122	16	that	that	SCONJ
ajeer-199	122	17	,	,	PUNCT
ajeer-199	122	18	borrowers	borrower	NOUN
ajeer-199	122	19	meet	meet	VERB
ajeer-199	122	20	certain	certain	ADJ
ajeer-199	122	21	strict	strict	ADJ
ajeer-199	122	22	basic	basic	ADJ
ajeer-199	122	23	requirements	requirement	NOUN
ajeer-199	122	24	;	;	PUNCT
ajeer-199	122	25	where	where	SCONJ
ajeer-199	122	26	borrowers	borrower	NOUN
ajeer-199	122	27	are	be	AUX
ajeer-199	122	28	unable	unable	ADJ
ajeer-199	122	29	to	to	PART
ajeer-199	122	30	satisfy	satisfy	VERB
ajeer-199	122	31	,	,	PUNCT
ajeer-199	122	32	they	they	PRON
ajeer-199	122	33	are	be	AUX
ajeer-199	122	34	rejected	reject	VERB
ajeer-199	122	35	.	.	PUNCT
ajeer-199	123	1	these	these	DET
ajeer-199	123	2	controls	control	NOUN
ajeer-199	123	3	help	help	VERB
ajeer-199	123	4	lenders	lender	NOUN
ajeer-199	123	5	to	to	PART
ajeer-199	123	6	prevent	prevent	VERB
ajeer-199	123	7	adverse	adverse	ADJ
ajeer-199	123	8	selection	selection	NOUN
ajeer-199	123	9	(	(	PUNCT
ajeer-199	123	10	saunders	saunder	NOUN
ajeer-199	123	11	and	and	CCONJ
ajeer-199	123	12	cornett	cornett	NOUN
ajeer-199	123	13	,	,	PUNCT
ajeer-199	123	14	2008	2008	NUM
ajeer-199	123	15	)	)	PUNCT
ajeer-199	123	16	.	.	PUNCT
ajeer-199	124	1	these	these	DET
ajeer-199	124	2	basic	basic	ADJ
ajeer-199	124	3	requirements	requirement	NOUN
ajeer-199	124	4	are	be	AUX
ajeer-199	124	5	categorized	categorize	VERB
ajeer-199	124	6	into	into	ADP
ajeer-199	124	7	five	five	NUM
ajeer-199	124	8	cs	cs	ADJ
ajeer-199	124	9	–	–	PUNCT
ajeer-199	124	10	condition	condition	NOUN
ajeer-199	124	11	,	,	PUNCT
ajeer-199	124	12	character	character	NOUN
ajeer-199	124	13	,	,	PUNCT
ajeer-199	124	14	capacity	capacity	NOUN
ajeer-199	124	15	,	,	PUNCT
ajeer-199	124	16	capital	capital	NOUN
ajeer-199	124	17	,	,	PUNCT
ajeer-199	124	18	and	and	CCONJ
ajeer-199	124	19	collateral	collateral	NOUN
ajeer-199	124	20	(	(	PUNCT
ajeer-199	124	21	karley	karley	NOUN
ajeer-199	124	22	,	,	PUNCT
ajeer-199	124	23	2002	2002	NUM
ajeer-199	124	24	)	)	PUNCT
ajeer-199	124	25	.	.	PUNCT
ajeer-199	125	1	this	this	DET
ajeer-199	125	2	litmus	litmus	PROPN
ajeer-199	125	3	test	test	NOUN
ajeer-199	125	4	is	be	AUX
ajeer-199	125	5	applied	apply	VERB
ajeer-199	125	6	to	to	ADP
ajeer-199	125	7	the	the	DET
ajeer-199	125	8	potential	potential	ADJ
ajeer-199	125	9	borrower	borrower	NOUN
ajeer-199	125	10	to	to	PART
ajeer-199	125	11	assess	assess	VERB
ajeer-199	125	12	the	the	DET
ajeer-199	125	13	ability	ability	NOUN
ajeer-199	125	14	of	of	ADP
ajeer-199	125	15	the	the	DET
ajeer-199	125	16	borrower	borrower	NOUN
ajeer-199	125	17	to	to	PART
ajeer-199	125	18	honour	honour	VERB
ajeer-199	125	19	his	his	PRON
ajeer-199	125	20	or	or	CCONJ
ajeer-199	125	21	her	her	PRON
ajeer-199	125	22	part	part	NOUN
ajeer-199	125	23	of	of	ADP
ajeer-199	125	24	the	the	DET
ajeer-199	125	25	contract	contract	NOUN
ajeer-199	125	26	(	(	PUNCT
ajeer-199	125	27	asare	asare	ADJ
ajeer-199	125	28	and	and	CCONJ
ajeer-199	125	29	whitehead	whitehead	PROPN
ajeer-199	125	30	,	,	PUNCT
ajeer-199	125	31	2006	2006	NUM
ajeer-199	125	32	;	;	PUNCT
ajeer-199	125	33	saunders	saunder	NOUN
ajeer-199	125	34	and	and	CCONJ
ajeer-199	125	35	cornett	cornett	NOUN
ajeer-199	125	36	,	,	PUNCT
ajeer-199	125	37	2008	2008	NUM
ajeer-199	125	38	)	)	PUNCT
ajeer-199	125	39	.	.	PUNCT
ajeer-199	126	1	indisputably	indisputably	PROPN
ajeer-199	126	2	,	,	PUNCT
ajeer-199	126	3	the	the	DET
ajeer-199	126	4	most	most	ADV
ajeer-199	126	5	important	important	ADJ
ajeer-199	126	6	variable	variable	NOUN
ajeer-199	126	7	affecting	affect	VERB
ajeer-199	126	8	preparedness	preparedness	NOUN
ajeer-199	126	9	to	to	ADP
ajeer-199	126	10	supply	supply	NOUN
ajeer-199	126	11	,	,	PUNCT
ajeer-199	126	12	or	or	CCONJ
ajeer-199	126	13	make	make	VERB
ajeer-199	126	14	funds	fund	NOUN
ajeer-199	126	15	available	available	ADJ
ajeer-199	126	16	to	to	ADP
ajeer-199	126	17	borrowers	borrower	NOUN
ajeer-199	126	18	as	as	ADP
ajeer-199	126	19	mortgage	mortgage	NOUN
ajeer-199	126	20	loans	loan	NOUN
ajeer-199	126	21	and	and	CCONJ
ajeer-199	126	22	its	its	PRON
ajeer-199	126	23	pricing	pricing	NOUN
ajeer-199	126	24	is	be	AUX
ajeer-199	126	25	inflation	inflation	NOUN
ajeer-199	126	26	and	and	CCONJ
ajeer-199	126	27	its	its	PRON
ajeer-199	126	28	associated	associated	ADJ
ajeer-199	126	29	currency	currency	NOUN
ajeer-199	126	30	depreciation	depreciation	NOUN
ajeer-199	126	31	risk	risk	NOUN
ajeer-199	126	32	(	(	PUNCT
ajeer-199	126	33	asare	asare	ADJ
ajeer-199	126	34	and	and	CCONJ
ajeer-199	126	35	whitehead	whitehead	PROPN
ajeer-199	126	36	,	,	PUNCT
ajeer-199	126	37	2006	2006	NUM
ajeer-199	126	38	)	)	PUNCT
ajeer-199	126	39	.	.	PUNCT
ajeer-199	127	1	according	accord	VERB
ajeer-199	127	2	to	to	ADP
ajeer-199	127	3	them	they	PRON
ajeer-199	127	4	,	,	PUNCT
ajeer-199	127	5	the	the	DET
ajeer-199	127	6	problems	problem	NOUN
ajeer-199	127	7	are	be	AUX
ajeer-199	127	8	said	say	VERB
ajeer-199	127	9	to	to	PART
ajeer-199	127	10	be	be	AUX
ajeer-199	127	11	two	two	NUM
ajeer-199	127	12	-	-	PUNCT
ajeer-199	127	13	fold	fold	ADJ
ajeer-199	127	14	anticipated	anticipate	VERB
ajeer-199	127	15	inflation	inflation	NOUN
ajeer-199	127	16	increases	increase	VERB
ajeer-199	127	17	money	money	NOUN
ajeer-199	127	18	interest	interest	NOUN
ajeer-199	127	19	rates	rate	NOUN
ajeer-199	127	20	and	and	CCONJ
ajeer-199	127	21	therefore	therefore	ADV
ajeer-199	127	22	nominal	nominal	ADJ
ajeer-199	127	23	payments	payment	NOUN
ajeer-199	127	24	and	and	CCONJ
ajeer-199	127	25	generates	generate	VERB
ajeer-199	127	26	a	a	DET
ajeer-199	127	27	front	front	ADJ
ajeer-199	127	28	loading	loading	NOUN
ajeer-199	127	29	payment	payment	NOUN
ajeer-199	127	30	problem	problem	NOUN
ajeer-199	127	31	in	in	ADP
ajeer-199	127	32	compensating	compensate	VERB
ajeer-199	127	33	for	for	ADP
ajeer-199	127	34	the	the	DET
ajeer-199	127	35	loss	loss	NOUN
ajeer-199	127	36	in	in	ADP
ajeer-199	127	37	purchasing	purchase	VERB
ajeer-199	127	38	power	power	NOUN
ajeer-199	127	39	of	of	ADP
ajeer-199	127	40	the	the	DET
ajeer-199	127	41	income	income	NOUN
ajeer-199	127	42	over	over	ADP
ajeer-199	127	43	time	time	NOUN
ajeer-199	127	44	.	.	PUNCT
ajeer-199	128	1	the	the	DET
ajeer-199	128	2	possibility	possibility	NOUN
ajeer-199	128	3	of	of	ADP
ajeer-199	128	4	unanticipated	unanticipated	ADJ
ajeer-199	128	5	inflation	inflation	NOUN
ajeer-199	128	6	increases	increase	VERB
ajeer-199	128	7	the	the	DET
ajeer-199	128	8	real	real	ADJ
ajeer-199	128	9	interest	interest	NOUN
ajeer-199	128	10	rate	rate	NOUN
ajeer-199	128	11	that	that	PRON
ajeer-199	128	12	both	both	DET
ajeer-199	128	13	savers	saver	NOUN
ajeer-199	128	14	and	and	CCONJ
ajeer-199	128	15	lenders	lender	NOUN
ajeer-199	128	16	require	require	VERB
ajeer-199	128	17	increasing	increase	VERB
ajeer-199	128	18	the	the	DET
ajeer-199	128	19	real	real	ADJ
ajeer-199	128	20	cost	cost	NOUN
ajeer-199	128	21	of	of	ADP
ajeer-199	128	22	mortgages	mortgage	NOUN
ajeer-199	128	23	.	.	PUNCT
ajeer-199	129	1	inflation	inflation	NOUN
ajeer-199	129	2	in	in	ADP
ajeer-199	129	3	most	most	ADJ
ajeer-199	129	4	developing	develop	VERB
ajeer-199	129	5	economies	economy	NOUN
ajeer-199	129	6	has	have	AUX
ajeer-199	129	7	led	lead	VERB
ajeer-199	129	8	to	to	ADP
ajeer-199	129	9	loss	loss	NOUN
ajeer-199	129	10	of	of	ADP
ajeer-199	129	11	purchasing	purchase	VERB
ajeer-199	129	12	power	power	NOUN
ajeer-199	129	13	both	both	PRON
ajeer-199	129	14	in	in	ADP
ajeer-199	129	15	absolute	absolute	ADJ
ajeer-199	129	16	terms	term	NOUN
ajeer-199	129	17	and	and	CCONJ
ajeer-199	129	18	especially	especially	ADV
ajeer-199	129	19	relative	relative	ADJ
ajeer-199	129	20	to	to	ADP
ajeer-199	129	21	the	the	DET
ajeer-199	129	22	foreign	foreign	ADJ
ajeer-199	129	23	currency	currency	NOUN
ajeer-199	129	24	like	like	ADP
ajeer-199	129	25	the	the	DET
ajeer-199	129	26	dollar	dollar	NOUN
ajeer-199	129	27	,	,	PUNCT
ajeer-199	129	28	and	and	CCONJ
ajeer-199	129	29	as	as	ADP
ajeer-199	129	30	a	a	DET
ajeer-199	129	31	result	result	NOUN
ajeer-199	129	32	,	,	PUNCT
ajeer-199	129	33	the	the	DET
ajeer-199	129	34	use	use	NOUN
ajeer-199	129	35	of	of	ADP
ajeer-199	129	36	the	the	DET
ajeer-199	129	37	dollar	dollar	NOUN
ajeer-199	129	38	as	as	ADP
ajeer-199	129	39	the	the	DET
ajeer-199	129	40	standard	standard	ADJ
ajeer-199	129	41	pricing	pricing	NOUN
ajeer-199	129	42	unit	unit	NOUN
ajeer-199	129	43	of	of	ADP
ajeer-199	129	44	account	account	NOUN
ajeer-199	129	45	for	for	ADP
ajeer-199	129	46	some	some	DET
ajeer-199	129	47	product	product	NOUN
ajeer-199	129	48	including	include	VERB
ajeer-199	129	49	housing	housing	NOUN
ajeer-199	129	50	.	.	PUNCT
ajeer-199	130	1	levina	levina	PROPN
ajeer-199	130	2	and	and	CCONJ
ajeer-199	130	3	zamulin	zamulin	PROPN
ajeer-199	130	4	(	(	PUNCT
ajeer-199	130	5	2002	2002	NUM
ajeer-199	130	6	)	)	PUNCT
ajeer-199	130	7	explained	explain	VERB
ajeer-199	130	8	“	"	PUNCT
ajeer-199	130	9	...	...	PUNCT
ajeer-199	130	10	the	the	DET
ajeer-199	130	11	firm‟s	firm‟s	NOUN
ajeer-199	130	12	decision	decision	NOUN
ajeer-199	130	13	to	to	PART
ajeer-199	130	14	denominate	denominate	VERB
ajeer-199	130	15	prices	price	NOUN
ajeer-199	130	16	in	in	ADP
ajeer-199	130	17	dollars	dollar	NOUN
ajeer-199	130	18	is	be	AUX
ajeer-199	130	19	a	a	DET
ajeer-199	130	20	case	case	NOUN
ajeer-199	130	21	of	of	ADP
ajeer-199	130	22	price	price	NOUN
ajeer-199	130	23	stickiness	stickiness	NOUN
ajeer-199	130	24	.	.	PUNCT
ajeer-199	131	1	at	at	ADP
ajeer-199	131	2	the	the	DET
ajeer-199	131	3	times	time	NOUN
ajeer-199	131	4	of	of	ADP
ajeer-199	131	5	high	high	ADJ
ajeer-199	131	6	inflation	inflation	NOUN
ajeer-199	131	7	,	,	PUNCT
ajeer-199	131	8	quoting	quote	VERB
ajeer-199	131	9	prices	price	NOUN
ajeer-199	131	10	in	in	ADP
ajeer-199	131	11	the	the	DET
ajeer-199	131	12	domestic	domestic	ADJ
ajeer-199	131	13	currency	currency	NOUN
ajeer-199	131	14	would	would	AUX
ajeer-199	131	15	require	require	VERB
ajeer-199	131	16	frequent	frequent	ADJ
ajeer-199	131	17	price	price	NOUN
ajeer-199	131	18	adjustments	adjustment	NOUN
ajeer-199	131	19	.	.	PUNCT
ajeer-199	132	1	if	if	SCONJ
ajeer-199	132	2	price	price	NOUN
ajeer-199	132	3	adjustment	adjustment	NOUN
ajeer-199	132	4	is	be	AUX
ajeer-199	132	5	costly	costly	ADJ
ajeer-199	132	6	due	due	ADP
ajeer-199	132	7	to	to	ADP
ajeer-199	132	8	some	some	DET
ajeer-199	132	9	menu	menu	NOUN
ajeer-199	132	10	costs	cost	NOUN
ajeer-199	132	11	,	,	PUNCT
ajeer-199	132	12	sellers	seller	NOUN
ajeer-199	132	13	can	can	AUX
ajeer-199	132	14	prefer	prefer	VERB
ajeer-199	132	15	to	to	PART
ajeer-199	132	16	denominate	denominate	VERB
ajeer-199	132	17	prices	price	NOUN
ajeer-199	132	18	for	for	ADP
ajeer-199	132	19	their	their	PRON
ajeer-199	132	20	products	product	NOUN
ajeer-199	132	21	in	in	ADP
ajeer-199	132	22	a	a	DET
ajeer-199	132	23	stable	stable	ADJ
ajeer-199	132	24	foreign	foreign	ADJ
ajeer-199	132	25	currency	currency	NOUN
ajeer-199	132	26	,	,	PUNCT
ajeer-199	132	27	which	which	PRON
ajeer-199	132	28	allows	allow	VERB
ajeer-199	132	29	keeping	keep	VERB
ajeer-199	132	30	prices	price	NOUN
ajeer-199	132	31	unchanged	unchanged	ADJ
ajeer-199	132	32	for	for	ADP
ajeer-199	132	33	a	a	DET
ajeer-199	132	34	much	much	ADV
ajeer-199	132	35	longer	long	ADJ
ajeer-199	132	36	period	period	NOUN
ajeer-199	132	37	”	"	PUNCT
ajeer-199	132	38	.	.	PUNCT
ajeer-199	133	1	the	the	DET
ajeer-199	133	2	dollarization	dollarization	NOUN
ajeer-199	133	3	phenomenon	phenomenon	NOUN
ajeer-199	133	4	,	,	PUNCT
ajeer-199	133	5	in	in	ADP
ajeer-199	133	6	the	the	DET
ajeer-199	133	7	context	context	NOUN
ajeer-199	133	8	of	of	ADP
ajeer-199	133	9	housing	housing	NOUN
ajeer-199	133	10	,	,	PUNCT
ajeer-199	133	11	allows	allow	VERB
ajeer-199	133	12	the	the	DET
ajeer-199	133	13	domestic	domestic	ADJ
ajeer-199	133	14	inflation	inflation	NOUN
ajeer-199	133	15	element	element	NOUN
ajeer-199	133	16	to	to	PART
ajeer-199	133	17	be	be	AUX
ajeer-199	133	18	taken	take	VERB
ajeer-199	133	19	out	out	ADP
ajeer-199	133	20	of	of	ADP
ajeer-199	133	21	the	the	DET
ajeer-199	133	22	interest	interest	NOUN
ajeer-199	133	23	rate	rate	NOUN
ajeer-199	133	24	.	.	PUNCT
ajeer-199	134	1	the	the	DET
ajeer-199	134	2	practice	practice	NOUN
ajeer-199	134	3	as	as	SCONJ
ajeer-199	134	4	noted	note	VERB
ajeer-199	134	5	by	by	ADP
ajeer-199	134	6	levina	levina	NOUN
ajeer-199	134	7	and	and	CCONJ
ajeer-199	134	8	zamulin	zamulin	PROPN
ajeer-199	134	9	(	(	PUNCT
ajeer-199	134	10	2002	2002	NUM
ajeer-199	134	11	)	)	PUNCT
ajeer-199	134	12	does	do	AUX
ajeer-199	134	13	not	not	PART
ajeer-199	134	14	require	require	VERB
ajeer-199	134	15	any	any	DET
ajeer-199	134	16	actual	actual	ADJ
ajeer-199	134	17	use	use	NOUN
ajeer-199	134	18	of	of	ADP
ajeer-199	134	19	that	that	DET
ajeer-199	134	20	currency	currency	NOUN
ajeer-199	134	21	and	and	CCONJ
ajeer-199	134	22	in	in	ADP
ajeer-199	134	23	most	most	ADJ
ajeer-199	134	24	cases	case	NOUN
ajeer-199	134	25	transactions	transaction	NOUN
ajeer-199	134	26	are	be	AUX
ajeer-199	134	27	carried	carry	VERB
ajeer-199	134	28	out	out	ADP
ajeer-199	134	29	in	in	ADP
ajeer-199	134	30	the	the	DET
ajeer-199	134	31	domestic	domestic	ADJ
ajeer-199	134	32	currency	currency	NOUN
ajeer-199	134	33	,	,	PUNCT
ajeer-199	134	34	while	while	SCONJ
ajeer-199	134	35	the	the	DET
ajeer-199	134	36	unit	unit	NOUN
ajeer-199	134	37	of	of	ADP
ajeer-199	134	38	account	account	NOUN
ajeer-199	134	39	is	be	AUX
ajeer-199	134	40	in	in	ADP
ajeer-199	134	41	foreign	foreign	ADJ
ajeer-199	134	42	currency	currency	NOUN
ajeer-199	134	43	.	.	PUNCT
ajeer-199	135	1	the	the	DET
ajeer-199	135	2	choice	choice	NOUN
ajeer-199	135	3	of	of	ADP
ajeer-199	135	4	mortgage	mortgage	NOUN
ajeer-199	135	5	has	have	AUX
ajeer-199	135	6	been	be	AUX
ajeer-199	135	7	described	describe	VERB
ajeer-199	135	8	as	as	ADP
ajeer-199	135	9	a	a	DET
ajeer-199	135	10	complicated	complicated	ADJ
ajeer-199	135	11	one	one	NOUN
ajeer-199	135	12	(	(	PUNCT
ajeer-199	135	13	barr	barr	PROPN
ajeer-199	135	14	et	et	PROPN
ajeer-199	135	15	al	al	PROPN
ajeer-199	135	16	.	.	PROPN
ajeer-199	135	17	,	,	PUNCT
ajeer-199	135	18	2008	2008	NUM
ajeer-199	135	19	)	)	PUNCT
ajeer-199	135	20	and	and	CCONJ
ajeer-199	135	21	as	as	ADP
ajeer-199	135	22	one	one	NUM
ajeer-199	135	23	of	of	ADP
ajeer-199	135	24	the	the	DET
ajeer-199	135	25	most	most	ADV
ajeer-199	135	26	complex	complex	ADJ
ajeer-199	135	27	transactions	transaction	NOUN
ajeer-199	135	28	ever	ever	ADV
ajeer-199	135	29	undertaken	undertake	VERB
ajeer-199	135	30	by	by	ADP
ajeer-199	135	31	the	the	DET
ajeer-199	135	32	majority	majority	NOUN
ajeer-199	135	33	of	of	ADP
ajeer-199	135	34	consumers	consumer	NOUN
ajeer-199	135	35	(	(	PUNCT
ajeer-199	135	36	woodward	woodward	NOUN
ajeer-199	135	37	,	,	PUNCT
ajeer-199	135	38	2003	2003	NUM
ajeer-199	135	39	)	)	PUNCT
ajeer-199	135	40	.	.	PUNCT
ajeer-199	136	1	the	the	DET
ajeer-199	136	2	fact	fact	NOUN
ajeer-199	136	3	that	that	SCONJ
ajeer-199	136	4	individuals	individual	NOUN
ajeer-199	136	5	purchase	purchase	VERB
ajeer-199	136	6	mortgages	mortgage	NOUN
ajeer-199	136	7	infrequently	infrequently	ADV
ajeer-199	136	8	(	(	PUNCT
ajeer-199	136	9	essene	essene	NOUN
ajeer-199	136	10	and	and	CCONJ
ajeer-199	136	11	apgar	apgar	NOUN
ajeer-199	136	12	,	,	PUNCT
ajeer-199	136	13	2007	2007	NUM
ajeer-199	136	14	)	)	PUNCT
ajeer-199	136	15	and	and	CCONJ
ajeer-199	136	16	often	often	ADV
ajeer-199	136	17	negotiate	negotiate	VERB
ajeer-199	136	18	them	they	PRON
ajeer-199	136	19	at	at	ADP
ajeer-199	136	20	the	the	DET
ajeer-199	136	21	same	same	ADJ
ajeer-199	136	22	time	time	NOUN
ajeer-199	136	23	that	that	PRON
ajeer-199	136	24	they	they	PRON
ajeer-199	136	25	are	be	AUX
ajeer-199	136	26	undergoing	undergo	VERB
ajeer-199	136	27	a	a	DET
ajeer-199	136	28	major	major	ADJ
ajeer-199	136	29	life	life	NOUN
ajeer-199	136	30	transition	transition	NOUN
ajeer-199	136	31	also	also	ADV
ajeer-199	136	32	adds	add	VERB
ajeer-199	136	33	to	to	ADP
ajeer-199	136	34	the	the	DET
ajeer-199	136	35	complexity	complexity	NOUN
ajeer-199	136	36	(	(	PUNCT
ajeer-199	136	37	campbell	campbell	PROPN
ajeer-199	136	38	,	,	PUNCT
ajeer-199	136	39	2013	2013	NUM
ajeer-199	136	40	)	)	PUNCT
ajeer-199	136	41	.	.	PUNCT
ajeer-199	137	1	scholars	scholar	NOUN
ajeer-199	137	2	have	have	AUX
ajeer-199	137	3	also	also	ADV
ajeer-199	137	4	found	find	VERB
ajeer-199	137	5	that	that	SCONJ
ajeer-199	137	6	mortgagees	mortgagee	NOUN
ajeer-199	137	7	are	be	AUX
ajeer-199	137	8	less	less	ADJ
ajeer-199	137	9	than	than	ADP
ajeer-199	137	10	optimally	optimally	ADV
ajeer-199	137	11	knowledgeable	knowledgeable	ADJ
ajeer-199	137	12	about	about	ADP
ajeer-199	137	13	the	the	DET
ajeer-199	137	14	possible	possible	ADJ
ajeer-199	137	15	future	future	ADJ
ajeer-199	137	16	consequences	consequence	NOUN
ajeer-199	137	17	of	of	ADP
ajeer-199	137	18	their	their	PRON
ajeer-199	137	19	choice	choice	NOUN
ajeer-199	137	20	.	.	PUNCT
ajeer-199	138	1	even	even	ADV
ajeer-199	138	2	the	the	DET
ajeer-199	138	3	most	most	ADV
ajeer-199	138	4	financially	financially	ADV
ajeer-199	138	5	sophisticated	sophisticated	ADJ
ajeer-199	138	6	borrowers	borrower	NOUN
ajeer-199	138	7	often	often	ADV
ajeer-199	138	8	find	find	VERB
ajeer-199	138	9	it	it	PRON
ajeer-199	138	10	difficult	difficult	ADJ
ajeer-199	138	11	to	to	PART
ajeer-199	138	12	shop	shop	VERB
ajeer-199	138	13	effectively	effectively	ADV
ajeer-199	138	14	for	for	ADP
ajeer-199	138	15	mortgages	mortgage	NOUN
ajeer-199	138	16	(	(	PUNCT
ajeer-199	138	17	essene	essene	NOUN
ajeer-199	138	18	and	and	CCONJ
ajeer-199	138	19	apgar	apgar	NOUN
ajeer-199	138	20	,	,	PUNCT
ajeer-199	138	21	2007	2007	NUM
ajeer-199	138	22	)	)	PUNCT
ajeer-199	138	23	.	.	PUNCT
ajeer-199	139	1	moreover	moreover	ADV
ajeer-199	139	2	,	,	PUNCT
ajeer-199	139	3	researchers	researcher	NOUN
ajeer-199	139	4	have	have	AUX
ajeer-199	139	5	found	find	VERB
ajeer-199	139	6	evidence	evidence	NOUN
ajeer-199	139	7	that	that	SCONJ
ajeer-199	139	8	many	many	ADJ
ajeer-199	139	9	consumers	consumer	NOUN
ajeer-199	139	10	who	who	PRON
ajeer-199	139	11	enter	enter	VERB
ajeer-199	139	12	into	into	ADP
ajeer-199	139	13	complex	complex	ADJ
ajeer-199	139	14	financial	financial	ADJ
ajeer-199	139	15	contracts	contract	NOUN
ajeer-199	139	16	,	,	PUNCT
ajeer-199	139	17	such	such	ADJ
ajeer-199	139	18	as	as	ADP
ajeer-199	139	19	mortgages	mortgage	NOUN
ajeer-199	139	20	,	,	PUNCT
ajeer-199	139	21	are	be	AUX
ajeer-199	139	22	financially	financially	ADV
ajeer-199	139	23	illiterate	illiterate	ADJ
ajeer-199	139	24	(	(	PUNCT
ajeer-199	139	25	lusardi	lusardi	NOUN
ajeer-199	139	26	,	,	PUNCT
ajeer-199	139	27	2008a	2008a	NUM
ajeer-199	139	28	;	;	PUNCT
ajeer-199	139	29	2008b	2008b	NUM
ajeer-199	139	30	)	)	PUNCT
ajeer-199	139	31	.	.	PUNCT
ajeer-199	140	1	individuals	individual	NOUN
ajeer-199	140	2	frequently	frequently	ADV
ajeer-199	140	3	fail	fail	VERB
ajeer-199	140	4	to	to	PART
ajeer-199	140	5	understand	understand	VERB
ajeer-199	140	6	the	the	DET
ajeer-199	140	7	terms	term	NOUN
ajeer-199	140	8	and	and	CCONJ
ajeer-199	140	9	conditions	condition	NOUN
ajeer-199	140	10	of	of	ADP
ajeer-199	140	11	consumer	consumer	NOUN
ajeer-199	140	12	loans	loan	NOUN
ajeer-199	140	13	and	and	CCONJ
ajeer-199	140	14	mortgages	mortgage	NOUN
ajeer-199	140	15	,	,	PUNCT
ajeer-199	140	16	and	and	CCONJ
ajeer-199	140	17	those	those	PRON
ajeer-199	140	18	with	with	ADP
ajeer-199	140	19	lower	low	ADJ
ajeer-199	140	20	levels	level	NOUN
ajeer-199	140	21	of	of	ADP
ajeer-199	140	22	financial	financial	ADJ
ajeer-199	140	23	literacy	literacy	NOUN
ajeer-199	140	24	are	be	AUX
ajeer-199	140	25	more	more	ADV
ajeer-199	140	26	likely	likely	ADJ
ajeer-199	140	27	to	to	PART
ajeer-199	140	28	have	have	VERB
ajeer-199	140	29	a	a	DET
ajeer-199	140	30	costly	costly	ADJ
ajeer-199	140	31	mortgage	mortgage	NOUN
ajeer-199	140	32	(	(	PUNCT
ajeer-199	140	33	moore	moore	PROPN
ajeer-199	140	34	,	,	PUNCT
ajeer-199	140	35	2003	2003	NUM
ajeer-199	140	36	)	)	PUNCT
ajeer-199	140	37	.	.	PUNCT
ajeer-199	141	1	this	this	DET
ajeer-199	141	2	evidence	evidence	NOUN
ajeer-199	141	3	is	be	AUX
ajeer-199	141	4	also	also	ADV
ajeer-199	141	5	in	in	ADP
ajeer-199	141	6	line	line	NOUN
ajeer-199	141	7	with	with	ADP
ajeer-199	141	8	findings	finding	NOUN
ajeer-199	141	9	by	by	ADP
ajeer-199	141	10	bucks	buck	NOUN
ajeer-199	141	11	and	and	CCONJ
ajeer-199	141	12	pence	penny	NOUN
ajeer-199	141	13	(	(	PUNCT
ajeer-199	141	14	2008	2008	NUM
ajeer-199	141	15	)	)	PUNCT
ajeer-199	141	16	,	,	PUNCT
ajeer-199	141	17	who	who	PRON
ajeer-199	141	18	found	find	VERB
ajeer-199	141	19	that	that	SCONJ
ajeer-199	141	20	borrowers	borrower	NOUN
ajeer-199	141	21	experiencing	experience	VERB
ajeer-199	141	22	large	large	ADJ
ajeer-199	141	23	payment	payment	NOUN
ajeer-199	141	24	changes	change	NOUN
ajeer-199	141	25	if	if	SCONJ
ajeer-199	141	26	interest	interest	NOUN
ajeer-199	141	27	rates	rate	NOUN
ajeer-199	141	28	rose	rise	VERB
ajeer-199	141	29	were	be	AUX
ajeer-199	141	30	comparatively	comparatively	ADV
ajeer-199	141	31	more	more	ADV
ajeer-199	141	32	likely	likely	ADJ
ajeer-199	141	33	to	to	PART
ajeer-199	141	34	report	report	VERB
ajeer-199	141	35	not	not	PART
ajeer-199	141	36	knowing	know	VERB
ajeer-199	141	37	their	their	PRON
ajeer-199	141	38	contract	contract	NOUN
ajeer-199	141	39	terms	term	NOUN
ajeer-199	141	40	.	.	PUNCT
ajeer-199	142	1	it	it	PRON
ajeer-199	142	2	is	be	AUX
ajeer-199	142	3	imperative	imperative	ADJ
ajeer-199	142	4	to	to	PART
ajeer-199	142	5	note	note	VERB
ajeer-199	142	6	that	that	SCONJ
ajeer-199	142	7	there	there	PRON
ajeer-199	142	8	are	be	VERB
ajeer-199	142	9	rudiments	rudiment	NOUN
ajeer-199	142	10	necessary	necessary	ADJ
ajeer-199	142	11	for	for	ADP
ajeer-199	142	12	a	a	DET
ajeer-199	142	13	successful	successful	ADJ
ajeer-199	142	14	mortgage	mortgage	NOUN
ajeer-199	142	15	market	market	NOUN
ajeer-199	142	16	.	.	PUNCT
ajeer-199	143	1	gyamfi	gyamfi	NOUN
ajeer-199	143	2	-	-	PUNCT
ajeer-199	143	3	yeboah	yeboah	NOUN
ajeer-199	143	4	and	and	CCONJ
ajeer-199	143	5	boamah	boamah	NOUN
ajeer-199	143	6	(	(	PUNCT
ajeer-199	143	7	2003	2003	NUM
ajeer-199	143	8	)	)	PUNCT
ajeer-199	143	9	identified	identify	VERB
ajeer-199	143	10	stable	stable	ADJ
ajeer-199	143	11	macroeconomic	macroeconomic	ADJ
ajeer-199	143	12	environment	environment	NOUN
ajeer-199	143	13	-	-	PUNCT
ajeer-199	143	14	that	that	PRON
ajeer-199	143	15	is	be	AUX
ajeer-199	143	16	a	a	DET
ajeer-199	143	17	low	low	ADJ
ajeer-199	143	18	inflation	inflation	NOUN
ajeer-199	143	19	and	and	CCONJ
ajeer-199	143	20	interest	interest	NOUN
ajeer-199	143	21	rates	rate	NOUN
ajeer-199	143	22	as	as	ADV
ajeer-199	143	23	well	well	ADV
ajeer-199	143	24	as	as	ADP
ajeer-199	143	25	a	a	DET
ajeer-199	143	26	stable	stable	ADJ
ajeer-199	143	27	currency	currency	NOUN
ajeer-199	143	28	to	to	PART
ajeer-199	143	29	be	be	AUX
ajeer-199	143	30	inclusive	inclusive	ADJ
ajeer-199	143	31	.	.	PUNCT
ajeer-199	144	1	in	in	ADP
ajeer-199	144	2	addition	addition	NOUN
ajeer-199	144	3	to	to	ADP
ajeer-199	144	4	a	a	DET
ajeer-199	144	5	sound	sound	ADJ
ajeer-199	144	6	macroeconomic	macroeconomic	ADJ
ajeer-199	144	7	environment	environment	NOUN
ajeer-199	144	8	,	,	PUNCT
ajeer-199	144	9	they	they	PRON
ajeer-199	144	10	also	also	ADV
ajeer-199	144	11	identified	identify	VERB
ajeer-199	144	12	liquidity	liquidity	NOUN
ajeer-199	144	13	as	as	ADP
ajeer-199	144	14	most	most	ADJ
ajeer-199	144	15	crucial	crucial	ADJ
ajeer-199	144	16	factor	factor	NOUN
ajeer-199	144	17	for	for	ADP
ajeer-199	144	18	a	a	DET
ajeer-199	144	19	vibrant	vibrant	ADJ
ajeer-199	144	20	mortgage	mortgage	NOUN
ajeer-199	144	21	market	market	NOUN
ajeer-199	144	22	.	.	PUNCT
ajeer-199	145	1	to	to	ADP
ajeer-199	145	2	them	they	PRON
ajeer-199	145	3	liquidity	liquidity	NOUN
ajeer-199	145	4	is	be	AUX
ajeer-199	145	5	crucial	crucial	ADJ
ajeer-199	145	6	because	because	SCONJ
ajeer-199	145	7	originators	originator	NOUN
ajeer-199	145	8	would	would	AUX
ajeer-199	145	9	need	need	VERB
ajeer-199	145	10	to	to	ADP
ajeer-199	145	11	asian	asian	ADJ
ajeer-199	145	12	journal	journal	NOUN
ajeer-199	145	13	of	of	ADP
ajeer-199	145	14	economics	economic	NOUN
ajeer-199	145	15	and	and	CCONJ
ajeer-199	145	16	empirical	empirical	ADJ
ajeer-199	145	17	research	research	NOUN
ajeer-199	145	18	,	,	PUNCT
ajeer-199	145	19	2015	2015	NUM
ajeer-199	145	20	,	,	PUNCT
ajeer-199	145	21	2(2	2(2	NUM
ajeer-199	145	22	):	):	PUNCT
ajeer-199	145	23	52	52	NUM
ajeer-199	145	24	-	-	SYM
ajeer-199	145	25	61	61	NUM
ajeer-199	145	26	56	56	NUM
ajeer-199	145	27	replenish	replenish	NOUN
ajeer-199	145	28	funds	fund	NOUN
ajeer-199	145	29	to	to	PART
ajeer-199	145	30	meet	meet	VERB
ajeer-199	145	31	the	the	DET
ajeer-199	145	32	demands	demand	NOUN
ajeer-199	145	33	for	for	ADP
ajeer-199	145	34	funds	fund	NOUN
ajeer-199	145	35	from	from	ADP
ajeer-199	145	36	other	other	ADJ
ajeer-199	145	37	households	household	NOUN
ajeer-199	145	38	(	(	PUNCT
ajeer-199	145	39	borrowers	borrower	NOUN
ajeer-199	145	40	)	)	PUNCT
ajeer-199	145	41	.	.	PUNCT
ajeer-199	146	1	campbell	campbell	PROPN
ajeer-199	146	2	and	and	CCONJ
ajeer-199	146	3	cocco	cocco	PROPN
ajeer-199	146	4	(	(	PUNCT
ajeer-199	146	5	2007	2007	NUM
ajeer-199	146	6	)	)	PUNCT
ajeer-199	146	7	also	also	ADV
ajeer-199	146	8	said	say	VERB
ajeer-199	146	9	lack	lack	NOUN
ajeer-199	146	10	of	of	ADP
ajeer-199	146	11	liquidity	liquidity	NOUN
ajeer-199	146	12	would	would	AUX
ajeer-199	146	13	mean	mean	VERB
ajeer-199	146	14	that	that	SCONJ
ajeer-199	146	15	lenders	lender	NOUN
ajeer-199	146	16	would	would	AUX
ajeer-199	146	17	have	have	VERB
ajeer-199	146	18	to	to	PART
ajeer-199	146	19	wait	wait	VERB
ajeer-199	146	20	for	for	ADP
ajeer-199	146	21	the	the	DET
ajeer-199	146	22	full	full	ADJ
ajeer-199	146	23	life	life	NOUN
ajeer-199	146	24	of	of	ADP
ajeer-199	146	25	the	the	DET
ajeer-199	146	26	loan	loan	NOUN
ajeer-199	146	27	which	which	PRON
ajeer-199	146	28	could	could	AUX
ajeer-199	146	29	in	in	ADP
ajeer-199	146	30	some	some	DET
ajeer-199	146	31	cases	case	NOUN
ajeer-199	146	32	range	range	VERB
ajeer-199	146	33	between	between	ADP
ajeer-199	146	34	20	20	NUM
ajeer-199	146	35	to	to	PART
ajeer-199	146	36	30	30	NUM
ajeer-199	146	37	years	year	NOUN
ajeer-199	146	38	before	before	SCONJ
ajeer-199	146	39	funds	fund	NOUN
ajeer-199	146	40	invested	invest	VERB
ajeer-199	146	41	can	can	AUX
ajeer-199	146	42	be	be	AUX
ajeer-199	146	43	recovered	recover	VERB
ajeer-199	146	44	from	from	ADP
ajeer-199	146	45	borrowers	borrower	NOUN
ajeer-199	146	46	.	.	PUNCT
ajeer-199	147	1	this	this	PRON
ajeer-199	147	2	will	will	AUX
ajeer-199	147	3	cause	cause	VERB
ajeer-199	147	4	a	a	DET
ajeer-199	147	5	serious	serious	ADJ
ajeer-199	147	6	mismatch	mismatch	NOUN
ajeer-199	147	7	between	between	ADP
ajeer-199	147	8	the	the	DET
ajeer-199	147	9	assets	asset	NOUN
ajeer-199	147	10	and	and	CCONJ
ajeer-199	147	11	liabilities	liability	NOUN
ajeer-199	147	12	(	(	PUNCT
ajeer-199	147	13	i.e.	i.e.	X
ajeer-199	147	14	borrowing	borrow	VERB
ajeer-199	147	15	short	short	ADJ
ajeer-199	147	16	and	and	CCONJ
ajeer-199	147	17	lending	lending	NOUN
ajeer-199	147	18	long	long	ADV
ajeer-199	147	19	)	)	PUNCT
ajeer-199	147	20	of	of	ADP
ajeer-199	147	21	the	the	DET
ajeer-199	147	22	financial	financial	ADJ
ajeer-199	147	23	institutions	institution	NOUN
ajeer-199	147	24	,	,	PUNCT
ajeer-199	147	25	and	and	CCONJ
ajeer-199	147	26	can	can	AUX
ajeer-199	147	27	make	make	VERB
ajeer-199	147	28	lending	lending	NOUN
ajeer-199	147	29	more	more	ADV
ajeer-199	147	30	risky	risky	ADJ
ajeer-199	147	31	to	to	ADP
ajeer-199	147	32	the	the	DET
ajeer-199	147	33	originators	originator	NOUN
ajeer-199	147	34	,	,	PUNCT
ajeer-199	147	35	especially	especially	ADV
ajeer-199	147	36	in	in	ADP
ajeer-199	147	37	periods	period	NOUN
ajeer-199	147	38	of	of	ADP
ajeer-199	147	39	interest	interest	NOUN
ajeer-199	147	40	rate	rate	NOUN
ajeer-199	147	41	fluctuations	fluctuation	NOUN
ajeer-199	147	42	.	.	PUNCT
ajeer-199	148	1	it	it	PRON
ajeer-199	148	2	has	have	AUX
ajeer-199	148	3	been	be	AUX
ajeer-199	148	4	proven	prove	VERB
ajeer-199	148	5	in	in	ADP
ajeer-199	148	6	most	most	ADJ
ajeer-199	148	7	countries	country	NOUN
ajeer-199	148	8	that	that	SCONJ
ajeer-199	148	9	secondary	secondary	ADJ
ajeer-199	148	10	mm	mm	PROPN
ajeer-199	148	11	provides	provide	VERB
ajeer-199	148	12	the	the	DET
ajeer-199	148	13	level	level	NOUN
ajeer-199	148	14	of	of	ADP
ajeer-199	148	15	liquidity	liquidity	NOUN
ajeer-199	148	16	required	require	VERB
ajeer-199	148	17	for	for	ADP
ajeer-199	148	18	a	a	DET
ajeer-199	148	19	vibrant	vibrant	ADJ
ajeer-199	148	20	mm	mm	NOUN
ajeer-199	148	21	.	.	PUNCT
ajeer-199	149	1	in	in	ADP
ajeer-199	149	2	this	this	DET
ajeer-199	149	3	market	market	NOUN
ajeer-199	149	4	,	,	PUNCT
ajeer-199	149	5	originators	originator	NOUN
ajeer-199	149	6	are	be	AUX
ajeer-199	149	7	able	able	ADJ
ajeer-199	149	8	to	to	PART
ajeer-199	149	9	sell	sell	VERB
ajeer-199	149	10	outstanding	outstanding	ADJ
ajeer-199	149	11	mortgage	mortgage	NOUN
ajeer-199	149	12	debts	debt	NOUN
ajeer-199	149	13	to	to	ADP
ajeer-199	149	14	other	other	ADJ
ajeer-199	149	15	institutions	institution	NOUN
ajeer-199	149	16	that	that	PRON
ajeer-199	149	17	are	be	AUX
ajeer-199	149	18	willing	willing	ADJ
ajeer-199	149	19	to	to	PART
ajeer-199	149	20	hold	hold	VERB
ajeer-199	149	21	the	the	DET
ajeer-199	149	22	debts	debt	NOUN
ajeer-199	149	23	for	for	ADP
ajeer-199	149	24	its	its	PRON
ajeer-199	149	25	life	life	NOUN
ajeer-199	149	26	span	span	NOUN
ajeer-199	149	27	.	.	PUNCT
ajeer-199	150	1	the	the	DET
ajeer-199	150	2	successes	success	NOUN
ajeer-199	150	3	chalked	chalk	VERB
ajeer-199	150	4	in	in	ADP
ajeer-199	150	5	the	the	DET
ajeer-199	150	6	united	united	PROPN
ajeer-199	150	7	states	states	PROPN
ajeer-199	150	8	and	and	CCONJ
ajeer-199	150	9	some	some	DET
ajeer-199	150	10	parts	part	NOUN
ajeer-199	150	11	of	of	ADP
ajeer-199	150	12	europe	europe	PROPN
ajeer-199	150	13	in	in	ADP
ajeer-199	150	14	this	this	DET
ajeer-199	150	15	field	field	NOUN
ajeer-199	150	16	attest	attest	NOUN
ajeer-199	150	17	to	to	ADP
ajeer-199	150	18	this	this	DET
ajeer-199	150	19	fact	fact	NOUN
ajeer-199	150	20	(	(	PUNCT
ajeer-199	150	21	gyamfi	gyamfi	NOUN
ajeer-199	150	22	-	-	PUNCT
ajeer-199	150	23	yeboah	yeboah	NOUN
ajeer-199	150	24	and	and	CCONJ
ajeer-199	150	25	boamah	boamah	NOUN
ajeer-199	150	26	,	,	PUNCT
ajeer-199	150	27	2003	2003	NUM
ajeer-199	150	28	)	)	PUNCT
ajeer-199	150	29	,	,	PUNCT
ajeer-199	150	30	and	and	CCONJ
ajeer-199	150	31	it	it	PRON
ajeer-199	150	32	justifies	justify	VERB
ajeer-199	150	33	the	the	DET
ajeer-199	150	34	need	need	NOUN
ajeer-199	150	35	for	for	ADP
ajeer-199	150	36	a	a	DET
ajeer-199	150	37	secondary	secondary	ADJ
ajeer-199	150	38	mm	mm	NOUN
ajeer-199	150	39	.	.	PROPN
ajeer-199	151	1	3	3	X
ajeer-199	151	2	.	.	X
ajeer-199	151	3	research	research	NOUN
ajeer-199	151	4	method	method	NOUN
ajeer-199	151	5	3.1	3.1	NUM
ajeer-199	151	6	.	.	PUNCT
ajeer-199	151	7	questionnaire	questionnaire	NOUN
ajeer-199	151	8	design	design	NOUN
ajeer-199	151	9	and	and	CCONJ
ajeer-199	151	10	survey	survey	PROPN
ajeer-199	151	11	keeney	keeney	PROPN
ajeer-199	151	12	(	(	PUNCT
ajeer-199	151	13	1999	1999	NUM
ajeer-199	151	14	)	)	PUNCT
ajeer-199	151	15	conducted	conduct	VERB
ajeer-199	151	16	an	an	DET
ajeer-199	151	17	important	important	ADJ
ajeer-199	151	18	study	study	NOUN
ajeer-199	151	19	on	on	ADP
ajeer-199	151	20	customer	customer	NOUN
ajeer-199	151	21	value	value	NOUN
ajeer-199	151	22	and	and	CCONJ
ajeer-199	151	23	found	find	VERB
ajeer-199	151	24	that	that	SCONJ
ajeer-199	151	25	the	the	DET
ajeer-199	151	26	most	most	ADV
ajeer-199	151	27	direct	direct	ADJ
ajeer-199	151	28	method	method	NOUN
ajeer-199	151	29	for	for	ADP
ajeer-199	151	30	understanding	understand	VERB
ajeer-199	151	31	the	the	DET
ajeer-199	151	32	value	value	NOUN
ajeer-199	151	33	acknowledged	acknowledge	VERB
ajeer-199	151	34	by	by	ADP
ajeer-199	151	35	customers	customer	NOUN
ajeer-199	151	36	was	be	AUX
ajeer-199	151	37	to	to	PART
ajeer-199	151	38	ask	ask	VERB
ajeer-199	151	39	them	they	PRON
ajeer-199	151	40	.	.	PUNCT
ajeer-199	152	1	however	however	ADV
ajeer-199	152	2	,	,	PUNCT
ajeer-199	152	3	different	different	ADJ
ajeer-199	152	4	consumers	consumer	NOUN
ajeer-199	152	5	have	have	VERB
ajeer-199	152	6	different	different	ADJ
ajeer-199	152	7	opinions	opinion	NOUN
ajeer-199	152	8	on	on	ADP
ajeer-199	152	9	value	value	NOUN
ajeer-199	152	10	.	.	PUNCT
ajeer-199	153	1	value	value	NOUN
ajeer-199	153	2	-	-	PUNCT
ajeer-199	153	3	focused	focus	VERB
ajeer-199	153	4	thinking	thinking	NOUN
ajeer-199	153	5	can	can	AUX
ajeer-199	153	6	be	be	AUX
ajeer-199	153	7	used	use	VERB
ajeer-199	153	8	to	to	PART
ajeer-199	153	9	analyze	analyze	VERB
ajeer-199	153	10	and	and	CCONJ
ajeer-199	153	11	understand	understand	VERB
ajeer-199	153	12	the	the	DET
ajeer-199	153	13	correlation	correlation	NOUN
ajeer-199	153	14	between	between	ADP
ajeer-199	153	15	these	these	DET
ajeer-199	153	16	values	value	NOUN
ajeer-199	153	17	.	.	PUNCT
ajeer-199	154	1	this	this	DET
ajeer-199	154	2	method	method	NOUN
ajeer-199	154	3	involves	involve	VERB
ajeer-199	154	4	three	three	NUM
ajeer-199	154	5	steps	step	NOUN
ajeer-199	154	6	.	.	PUNCT
ajeer-199	155	1	the	the	DET
ajeer-199	155	2	first	first	ADJ
ajeer-199	155	3	step	step	NOUN
ajeer-199	155	4	is	be	AUX
ajeer-199	155	5	developing	develop	VERB
ajeer-199	155	6	a	a	DET
ajeer-199	155	7	series	series	NOUN
ajeer-199	155	8	of	of	ADP
ajeer-199	155	9	values	value	NOUN
ajeer-199	155	10	acknowledged	acknowledge	VERB
ajeer-199	155	11	by	by	ADP
ajeer-199	155	12	customers	customer	NOUN
ajeer-199	155	13	.	.	PUNCT
ajeer-199	156	1	the	the	DET
ajeer-199	156	2	second	second	ADJ
ajeer-199	156	3	step	step	NOUN
ajeer-199	156	4	is	be	AUX
ajeer-199	156	5	using	use	VERB
ajeer-199	156	6	generalized	generalized	ADJ
ajeer-199	156	7	types	type	NOUN
ajeer-199	156	8	to	to	PART
ajeer-199	156	9	express	express	VERB
ajeer-199	156	10	each	each	DET
ajeer-199	156	11	value	value	NOUN
ajeer-199	156	12	.	.	PUNCT
ajeer-199	157	1	the	the	DET
ajeer-199	157	2	third	third	ADJ
ajeer-199	157	3	step	step	NOUN
ajeer-199	157	4	is	be	AUX
ajeer-199	157	5	to	to	PART
ajeer-199	157	6	organize	organize	VERB
ajeer-199	157	7	the	the	DET
ajeer-199	157	8	acknowledged	acknowledge	VERB
ajeer-199	157	9	value	value	NOUN
ajeer-199	157	10	and	and	CCONJ
ajeer-199	157	11	indicate	indicate	VERB
ajeer-199	157	12	their	their	PRON
ajeer-199	157	13	relationship	relationship	NOUN
ajeer-199	157	14	.	.	PUNCT
ajeer-199	158	1	based	base	VERB
ajeer-199	158	2	on	on	ADP
ajeer-199	158	3	that	that	DET
ajeer-199	158	4	study	study	NOUN
ajeer-199	158	5	,	,	PUNCT
ajeer-199	158	6	we	we	PRON
ajeer-199	158	7	developed	develop	VERB
ajeer-199	158	8	an	an	DET
ajeer-199	158	9	assessment	assessment	NOUN
ajeer-199	158	10	model	model	NOUN
ajeer-199	158	11	for	for	ADP
ajeer-199	158	12	factors	factor	NOUN
ajeer-199	158	13	considered	consider	VERB
ajeer-199	158	14	before	before	SCONJ
ajeer-199	158	15	households	household	NOUN
ajeer-199	158	16	opt	opt	VERB
ajeer-199	158	17	for	for	ADP
ajeer-199	158	18	mortgage	mortgage	NOUN
ajeer-199	158	19	loans	loan	NOUN
ajeer-199	158	20	.	.	PUNCT
ajeer-199	159	1	we	we	PRON
ajeer-199	159	2	conducted	conduct	VERB
ajeer-199	159	3	a	a	DET
ajeer-199	159	4	literature	literature	NOUN
ajeer-199	159	5	review	review	NOUN
ajeer-199	159	6	and	and	CCONJ
ajeer-199	159	7	interviewed	interview	VERB
ajeer-199	159	8	six	six	NUM
ajeer-199	159	9	experts	expert	NOUN
ajeer-199	159	10	(	(	PUNCT
ajeer-199	159	11	mortgage	mortgage	NOUN
ajeer-199	159	12	advisors	advisor	NOUN
ajeer-199	159	13	and	and	CCONJ
ajeer-199	159	14	property	property	NOUN
ajeer-199	159	15	developers	developer	NOUN
ajeer-199	159	16	)	)	PUNCT
ajeer-199	159	17	to	to	PART
ajeer-199	159	18	confirm	confirm	VERB
ajeer-199	159	19	the	the	DET
ajeer-199	159	20	division	division	NOUN
ajeer-199	159	21	of	of	ADP
ajeer-199	159	22	the	the	DET
ajeer-199	159	23	assessment	assessment	NOUN
ajeer-199	159	24	hierarchical	hierarchical	ADJ
ajeer-199	159	25	structure	structure	NOUN
ajeer-199	159	26	for	for	ADP
ajeer-199	159	27	households	household	NOUN
ajeer-199	159	28	decision	decision	NOUN
ajeer-199	159	29	criteria‟s	criteria‟s	PUNCT
ajeer-199	159	30	when	when	SCONJ
ajeer-199	159	31	opting	opt	VERB
ajeer-199	159	32	for	for	ADP
ajeer-199	159	33	a	a	DET
ajeer-199	159	34	mortgage	mortgage	NOUN
ajeer-199	159	35	into	into	ADP
ajeer-199	159	36	selection	selection	NOUN
ajeer-199	159	37	factors	factor	NOUN
ajeer-199	159	38	of	of	ADP
ajeer-199	159	39	3	3	NUM
ajeer-199	159	40	levels	level	NOUN
ajeer-199	159	41	,	,	PUNCT
ajeer-199	159	42	8	8	NUM
ajeer-199	159	43	aspects	aspect	NOUN
ajeer-199	159	44	,	,	PUNCT
ajeer-199	159	45	and	and	CCONJ
ajeer-199	159	46	then	then	ADV
ajeer-199	159	47	28	28	NUM
ajeer-199	159	48	indicators	indicator	NOUN
ajeer-199	159	49	(	(	PUNCT
ajeer-199	159	50	fig	fig	NOUN
ajeer-199	159	51	.	.	PUNCT
ajeer-199	159	52	1	1	NUM
ajeer-199	159	53	)	)	PUNCT
ajeer-199	159	54	.	.	PUNCT
ajeer-199	160	1	the	the	DET
ajeer-199	160	2	first	first	ADJ
ajeer-199	160	3	level	level	NOUN
ajeer-199	160	4	is	be	AUX
ajeer-199	160	5	the	the	DET
ajeer-199	160	6	mortgage	mortgage	NOUN
ajeer-199	160	7	decision	decision	NOUN
ajeer-199	160	8	selection	selection	NOUN
ajeer-199	160	9	assessment	assessment	NOUN
ajeer-199	160	10	.	.	PUNCT
ajeer-199	161	1	the	the	DET
ajeer-199	161	2	second	second	ADJ
ajeer-199	161	3	level	level	NOUN
ajeer-199	161	4	is	be	AUX
ajeer-199	161	5	the	the	DET
ajeer-199	161	6	assessment	assessment	NOUN
ajeer-199	161	7	aspects	aspect	NOUN
ajeer-199	161	8	,	,	PUNCT
ajeer-199	161	9	personal	personal	ADJ
ajeer-199	161	10	factors	factor	NOUN
ajeer-199	161	11	,	,	PUNCT
ajeer-199	161	12	social	social	ADJ
ajeer-199	161	13	factors	factor	NOUN
ajeer-199	161	14	,	,	PUNCT
ajeer-199	161	15	economic	economic	ADJ
ajeer-199	161	16	factors	factor	NOUN
ajeer-199	161	17	,	,	PUNCT
ajeer-199	161	18	employment	employment	NOUN
ajeer-199	161	19	,	,	PUNCT
ajeer-199	161	20	housing	housing	NOUN
ajeer-199	161	21	market	market	NOUN
ajeer-199	161	22	conditions	condition	NOUN
ajeer-199	161	23	,	,	PUNCT
ajeer-199	161	24	mortgage	mortgage	NOUN
ajeer-199	161	25	lender	lender	NOUN
ajeer-199	161	26	policy	policy	NOUN
ajeer-199	161	27	and	and	CCONJ
ajeer-199	161	28	knowledge	knowledge	NOUN
ajeer-199	161	29	.	.	PUNCT
ajeer-199	162	1	the	the	DET
ajeer-199	162	2	third	third	ADJ
ajeer-199	162	3	level	level	NOUN
ajeer-199	162	4	is	be	AUX
ajeer-199	162	5	the	the	DET
ajeer-199	162	6	assessment	assessment	NOUN
ajeer-199	162	7	indicators	indicator	NOUN
ajeer-199	162	8	.	.	PUNCT
ajeer-199	163	1	these	these	DET
ajeer-199	163	2	levels	level	NOUN
ajeer-199	163	3	contain	contain	VERB
ajeer-199	163	4	a	a	DET
ajeer-199	163	5	total	total	NOUN
ajeer-199	163	6	of	of	ADP
ajeer-199	163	7	28	28	NUM
ajeer-199	163	8	items	item	NOUN
ajeer-199	163	9	.	.	PUNCT
ajeer-199	164	1	the	the	DET
ajeer-199	164	2	questionnaires	questionnaire	NOUN
ajeer-199	164	3	were	be	AUX
ajeer-199	164	4	administered	administer	VERB
ajeer-199	164	5	to	to	ADP
ajeer-199	164	6	500	500	NUM
ajeer-199	164	7	mortgage	mortgage	NOUN
ajeer-199	164	8	owners	owner	NOUN
ajeer-199	164	9	in	in	ADP
ajeer-199	164	10	the	the	DET
ajeer-199	164	11	accra	accra	NOUN
ajeer-199	164	12	metropolis	metropolis	PROPN
ajeer-199	164	13	.	.	PUNCT
ajeer-199	165	1	below	below	ADV
ajeer-199	165	2	is	be	AUX
ajeer-199	165	3	the	the	DET
ajeer-199	165	4	diagrammatic	diagrammatic	ADJ
ajeer-199	165	5	representation	representation	NOUN
ajeer-199	165	6	of	of	ADP
ajeer-199	165	7	the	the	DET
ajeer-199	165	8	8	8	NUM
ajeer-199	165	9	key	key	ADJ
ajeer-199	165	10	indicator	indicator	NOUN
ajeer-199	165	11	variables	variable	NOUN
ajeer-199	165	12	and	and	CCONJ
ajeer-199	165	13	the	the	DET
ajeer-199	165	14	28	28	NUM
ajeer-199	165	15	evaluation	evaluation	NOUN
ajeer-199	165	16	indicators	indicator	NOUN
ajeer-199	165	17	in	in	ADP
ajeer-199	165	18	the	the	DET
ajeer-199	165	19	index	index	NOUN
ajeer-199	165	20	(	(	PUNCT
ajeer-199	165	21	fig	fig	NOUN
ajeer-199	165	22	.	.	PUNCT
ajeer-199	165	23	1	1	NUM
ajeer-199	165	24	)	)	PUNCT
ajeer-199	165	25	.	.	PUNCT
ajeer-199	166	1	goal	goal	NOUN
ajeer-199	166	2	aspect	aspect	PROPN
ajeer-199	166	3	index	index	NOUN
ajeer-199	166	4	figure	figure	NOUN
ajeer-199	166	5	1	1	NUM
ajeer-199	166	6	.	.	PUNCT
ajeer-199	166	7	hierarchical	hierarchical	ADJ
ajeer-199	166	8	structure	structure	NOUN
ajeer-199	166	9	of	of	ADP
ajeer-199	166	10	household‟s	household‟s	NOUN
ajeer-199	166	11	assessment	assessment	NOUN
ajeer-199	166	12	factors	factor	NOUN
ajeer-199	166	13	when	when	SCONJ
ajeer-199	166	14	acquiring	acquire	VERB
ajeer-199	166	15	a	a	DET
ajeer-199	166	16	mortgage	mortgage	NOUN
ajeer-199	166	17	f6	f6	NUM
ajeer-199	166	18	-	-	PUNCT
ajeer-199	166	19	5	5	NUM
ajeer-199	166	20	:	:	PUNCT
ajeer-199	166	21	default	default	NOUN
ajeer-199	166	22	assessment	assessment	NOUN
ajeer-199	166	23	factors	factor	NOUN
ajeer-199	166	24	considered	consider	VERB
ajeer-199	166	25	by	by	ADP
ajeer-199	166	26	households	household	NOUN
ajeer-199	166	27	before	before	ADP
ajeer-199	166	28	opting	opt	VERB
ajeer-199	166	29	for	for	ADP
ajeer-199	166	30	mortgage	mortgage	NOUN
ajeer-199	166	31	loans	loan	NOUN
ajeer-199	166	32	f1	f1	NOUN
ajeer-199	166	33	:	:	PUNCT
ajeer-199	166	34	personal	personal	ADJ
ajeer-199	166	35	factors	factor	NOUN
ajeer-199	166	36	f1	f1	NOUN
ajeer-199	166	37	-	-	PUNCT
ajeer-199	166	38	1	1	NUM
ajeer-199	166	39	:	:	PUNCT
ajeer-199	166	40	age	age	NOUN
ajeer-199	166	41	f2	f2	PROPN
ajeer-199	166	42	-	-	PUNCT
ajeer-199	166	43	2	2	NUM
ajeer-199	166	44	:	:	PUNCT
ajeer-199	166	45	income	income	NOUN
ajeer-199	166	46	f3	f3	NOUN
ajeer-199	166	47	-	-	PUNCT
ajeer-199	166	48	3	3	NUM
ajeer-199	166	49	:	:	PUNCT
ajeer-199	166	50	savings	saving	NOUN
ajeer-199	166	51	f4	f4	PROPN
ajeer-199	166	52	-	-	PUNCT
ajeer-199	166	53	4	4	NUM
ajeer-199	166	54	:	:	PUNCT
ajeer-199	166	55	dependents	dependent	NOUN
ajeer-199	166	56	f2	f2	PROPN
ajeer-199	166	57	:	:	PUNCT
ajeer-199	166	58	social	social	ADJ
ajeer-199	166	59	factors	factor	NOUN
ajeer-199	166	60	f2	f2	PROPN
ajeer-199	166	61	-	-	PUNCT
ajeer-199	166	62	1	1	NUM
ajeer-199	166	63	:	:	PUNCT
ajeer-199	166	64	status	status	NOUN
ajeer-199	166	65	f2	f2	PROPN
ajeer-199	166	66	-	-	PUNCT
ajeer-199	166	67	2	2	NUM
ajeer-199	166	68	:	:	PUNCT
ajeer-199	166	69	reference	reference	NOUN
ajeer-199	166	70	group	group	NOUN
ajeer-199	166	71	f2	f2	PROPN
ajeer-199	166	72	-	-	PUNCT
ajeer-199	166	73	3	3	NUM
ajeer-199	166	74	:	:	PUNCT
ajeer-199	166	75	family	family	NOUN
ajeer-199	166	76	f3	f3	NOUN
ajeer-199	166	77	:	:	PUNCT
ajeer-199	166	78	economic	economic	ADJ
ajeer-199	166	79	factors	factor	NOUN
ajeer-199	166	80	f3	f3	ADJ
ajeer-199	166	81	-	-	PUNCT
ajeer-199	166	82	1	1	NUM
ajeer-199	166	83	:	:	PUNCT
ajeer-199	166	84	inflation	inflation	NOUN
ajeer-199	166	85	f3	f3	NOUN
ajeer-199	166	86	-	-	PUNCT
ajeer-199	166	87	2	2	NUM
ajeer-199	166	88	:	:	PUNCT
ajeer-199	166	89	interest	interest	NOUN
ajeer-199	166	90	rates	rate	NOUN
ajeer-199	166	91	f3	f3	ADJ
ajeer-199	166	92	-	-	PUNCT
ajeer-199	166	93	3	3	NUM
ajeer-199	166	94	:	:	PUNCT
ajeer-199	166	95	exchange	exchange	NOUN
ajeer-199	166	96	rates	rate	NOUN
ajeer-199	166	97	f4	f4	NOUN
ajeer-199	166	98	:	:	PUNCT
ajeer-199	166	99	employment	employment	NOUN
ajeer-199	166	100	f4	f4	PROPN
ajeer-199	166	101	-	-	SYM
ajeer-199	166	102	1	1	NUM
ajeer-199	166	103	:	:	PUNCT
ajeer-199	166	104	number	number	NOUN
ajeer-199	166	105	of	of	ADP
ajeer-199	166	106	years	year	NOUN
ajeer-199	166	107	employed	employ	VERB
ajeer-199	166	108	f4	f4	NUM
ajeer-199	166	109	-	-	SYM
ajeer-199	166	110	2	2	NUM
ajeer-199	166	111	:	:	PUNCT
ajeer-199	166	112	job	job	NOUN
ajeer-199	166	113	security	security	NOUN
ajeer-199	166	114	f4	f4	NOUN
ajeer-199	166	115	-	-	SYM
ajeer-199	166	116	3	3	NUM
ajeer-199	166	117	:	:	PUNCT
ajeer-199	166	118	full	full	ADJ
ajeer-199	166	119	-	-	PUNCT
ajeer-199	166	120	time	time	NOUN
ajeer-199	166	121	/	/	SYM
ajeer-199	166	122	part	part	NOUN
ajeer-199	166	123	-	-	PUNCT
ajeer-199	166	124	time	time	NOUN
ajeer-199	166	125	f4	f4	NOUN
ajeer-199	166	126	-	-	PUNCT
ajeer-199	166	127	4	4	NUM
ajeer-199	166	128	:	:	PUNCT
ajeer-199	166	129	self	self	NOUN
ajeer-199	166	130	employed	employ	VERB
ajeer-199	166	131	f5	f5	NOUN
ajeer-199	166	132	:	:	PUNCT
ajeer-199	166	133	housing	housing	NOUN
ajeer-199	166	134	market	market	NOUN
ajeer-199	166	135	conditions	condition	NOUN
ajeer-199	166	136	f5	f5	NOUN
ajeer-199	166	137	-	-	PUNCT
ajeer-199	166	138	1	1	NUM
ajeer-199	166	139	:	:	PUNCT
ajeer-199	166	140	house	house	NOUN
ajeer-199	166	141	prices	price	NOUN
ajeer-199	166	142	f5	f5	PROPN
ajeer-199	166	143	-	-	PUNCT
ajeer-199	166	144	2	2	NUM
ajeer-199	166	145	:	:	PUNCT
ajeer-199	166	146	availability	availability	NOUN
ajeer-199	166	147	of	of	ADP
ajeer-199	166	148	mortgages	mortgage	NOUN
ajeer-199	166	149	f5	f5	NOUN
ajeer-199	166	150	-	-	PUNCT
ajeer-199	166	151	3	3	NUM
ajeer-199	166	152	:	:	PUNCT
ajeer-199	166	153	loan	loan	NOUN
ajeer-199	166	154	to	to	PART
ajeer-199	166	155	value	value	NOUN
ajeer-199	166	156	f6	f6	PROPN
ajeer-199	166	157	:	:	PUNCT
ajeer-199	166	158	mortgage	mortgage	NOUN
ajeer-199	166	159	lender	lender	NOUN
ajeer-199	166	160	policy	policy	NOUN
ajeer-199	166	161	f6	f6	PROPN
ajeer-199	166	162	-	-	PUNCT
ajeer-199	166	163	1	1	NUM
ajeer-199	166	164	:	:	PUNCT
ajeer-199	166	165	payment	payment	NOUN
ajeer-199	166	166	terms	term	NOUN
ajeer-199	166	167	f6	f6	PROPN
ajeer-199	166	168	-	-	PUNCT
ajeer-199	166	169	2	2	NUM
ajeer-199	166	170	:	:	PUNCT
ajeer-199	166	171	credit	credit	NOUN
ajeer-199	166	172	rating	rating	NOUN
ajeer-199	166	173	f6	f6	PROPN
ajeer-199	166	174	-	-	PUNCT
ajeer-199	166	175	3	3	NUM
ajeer-199	166	176	:	:	PUNCT
ajeer-199	166	177	second	second	ADJ
ajeer-199	166	178	loan	loan	NOUN
ajeer-199	166	179	f6	f6	PROPN
ajeer-199	166	180	-	-	PUNCT
ajeer-199	166	181	4	4	NUM
ajeer-199	166	182	:	:	PUNCT
ajeer-199	166	183	refinance	refinance	NOUN
ajeer-199	166	184	f7	f7	PROPN
ajeer-199	166	185	:	:	PUNCT
ajeer-199	166	186	housing	housing	NOUN
ajeer-199	166	187	alternatives	alternative	NOUN
ajeer-199	166	188	f7	f7	PROPN
ajeer-199	166	189	-	-	PUNCT
ajeer-199	166	190	1	1	NUM
ajeer-199	166	191	:	:	PUNCT
ajeer-199	166	192	buy	buy	VERB
ajeer-199	166	193	f7	f7	PROPN
ajeer-199	166	194	-	-	PUNCT
ajeer-199	166	195	2	2	NUM
ajeer-199	166	196	:	:	PUNCT
ajeer-199	166	197	build	build	VERB
ajeer-199	166	198	f7	f7	PROPN
ajeer-199	166	199	-	-	PUNCT
ajeer-199	166	200	3	3	NUM
ajeer-199	166	201	:	:	PUNCT
ajeer-199	166	202	rent	rent	NOUN
ajeer-199	166	203	f8	f8	PROPN
ajeer-199	166	204	:	:	PUNCT
ajeer-199	166	205	knowledge	knowledge	PROPN
ajeer-199	166	206	f8	f8	PROPN
ajeer-199	166	207	-	-	PUNCT
ajeer-199	166	208	1	1	NUM
ajeer-199	166	209	:	:	PUNCT
ajeer-199	166	210	education	education	PROPN
ajeer-199	166	211	f8	f8	PROPN
ajeer-199	166	212	-	-	PUNCT
ajeer-199	166	213	3	3	NUM
ajeer-199	166	214	:	:	PUNCT
ajeer-199	166	215	mortgage	mortgage	NOUN
ajeer-199	166	216	experience	experience	NOUN
ajeer-199	166	217	f8	f8	PROPN
ajeer-199	166	218	-	-	PUNCT
ajeer-199	166	219	2	2	NUM
ajeer-199	166	220	:	:	PUNCT
ajeer-199	166	221	financial	financial	ADJ
ajeer-199	166	222	literacy	literacy	NOUN
ajeer-199	166	223	asian	asian	ADJ
ajeer-199	166	224	journal	journal	NOUN
ajeer-199	166	225	of	of	ADP
ajeer-199	166	226	economics	economic	NOUN
ajeer-199	166	227	and	and	CCONJ
ajeer-199	166	228	empirical	empirical	ADJ
ajeer-199	166	229	research	research	NOUN
ajeer-199	166	230	,	,	PUNCT
ajeer-199	166	231	2015	2015	NUM
ajeer-199	166	232	,	,	PUNCT
ajeer-199	166	233	2(2	2(2	NUM
ajeer-199	166	234	):	):	PUNCT
ajeer-199	166	235	52	52	NUM
ajeer-199	166	236	-	-	SYM
ajeer-199	166	237	61	61	NUM
ajeer-199	166	238	57	57	NUM
ajeer-199	166	239	3.2	3.2	NUM
ajeer-199	166	240	.	.	PUNCT
ajeer-199	167	1	establishing	establish	VERB
ajeer-199	167	2	an	an	DET
ajeer-199	167	3	assessment	assessment	NOUN
ajeer-199	167	4	model	model	NOUN
ajeer-199	167	5	using	use	VERB
ajeer-199	167	6	ahp	ahp	PROPN
ajeer-199	167	7	to	to	PART
ajeer-199	167	8	analyze	analyze	VERB
ajeer-199	167	9	problems	problem	NOUN
ajeer-199	167	10	involves	involve	VERB
ajeer-199	167	11	the	the	DET
ajeer-199	167	12	following	follow	VERB
ajeer-199	167	13	five	five	NUM
ajeer-199	167	14	steps	step	NOUN
ajeer-199	167	15	:	:	PUNCT
ajeer-199	167	16	establishing	establish	VERB
ajeer-199	167	17	a	a	DET
ajeer-199	167	18	hierarchical	hierarchical	ADJ
ajeer-199	167	19	structure	structure	NOUN
ajeer-199	167	20	,	,	PUNCT
ajeer-199	167	21	establishing	establish	VERB
ajeer-199	167	22	a	a	DET
ajeer-199	167	23	pairwise	pairwise	NOUN
ajeer-199	167	24	comparison	comparison	NOUN
ajeer-199	167	25	matrix	matrix	NOUN
ajeer-199	167	26	,	,	PUNCT
ajeer-199	167	27	calculating	calculate	VERB
ajeer-199	167	28	the	the	DET
ajeer-199	167	29	eigenvalue	eigenvalue	PROPN
ajeer-199	167	30	and	and	CCONJ
ajeer-199	167	31	eigenfactor	eigenfactor	NOUN
ajeer-199	167	32	,	,	PUNCT
ajeer-199	167	33	and	and	CCONJ
ajeer-199	167	34	performing	perform	VERB
ajeer-199	167	35	consistency	consistency	NOUN
ajeer-199	167	36	tests	test	NOUN
ajeer-199	167	37	and	and	CCONJ
ajeer-199	167	38	weight	weight	NOUN
ajeer-199	167	39	calculations	calculation	NOUN
ajeer-199	167	40	.	.	PUNCT
ajeer-199	168	1	the	the	DET
ajeer-199	168	2	consistency	consistency	NOUN
ajeer-199	168	3	test	test	NOUN
ajeer-199	168	4	examined	examine	VERB
ajeer-199	168	5	whether	whether	SCONJ
ajeer-199	168	6	the	the	DET
ajeer-199	168	7	respondents‟	respondents‟	ADJ
ajeer-199	168	8	questionnaire	questionnaire	NOUN
ajeer-199	168	9	answers	answer	NOUN
ajeer-199	168	10	are	be	AUX
ajeer-199	168	11	consistent	consistent	ADJ
ajeer-199	168	12	and	and	CCONJ
ajeer-199	168	13	transitive	transitive	ADJ
ajeer-199	168	14	.	.	PUNCT
ajeer-199	169	1	the	the	DET
ajeer-199	169	2	consistency	consistency	NOUN
ajeer-199	169	3	test	test	NOUN
ajeer-199	169	4	comprised	comprise	VERB
ajeer-199	169	5	two	two	NUM
ajeer-199	169	6	levels	level	NOUN
ajeer-199	169	7	.	.	PUNCT
ajeer-199	170	1	first	first	ADV
ajeer-199	170	2	,	,	PUNCT
ajeer-199	170	3	it	it	PRON
ajeer-199	170	4	examined	examine	VERB
ajeer-199	170	5	whether	whether	SCONJ
ajeer-199	170	6	the	the	DET
ajeer-199	170	7	constructed	construct	VERB
ajeer-199	170	8	pairwise	pairwise	NOUN
ajeer-199	170	9	comparison	comparison	NOUN
ajeer-199	170	10	matrix	matrix	NOUN
ajeer-199	170	11	was	be	AUX
ajeer-199	170	12	a	a	DET
ajeer-199	170	13	consistent	consistent	ADJ
ajeer-199	170	14	matrix	matrix	NOUN
ajeer-199	170	15	.	.	PUNCT
ajeer-199	171	1	the	the	DET
ajeer-199	171	2	basis	basis	NOUN
ajeer-199	171	3	for	for	ADP
ajeer-199	171	4	this	this	DET
ajeer-199	171	5	test	test	NOUN
ajeer-199	171	6	was	be	AUX
ajeer-199	171	7	the	the	DET
ajeer-199	171	8	consistency	consistency	NOUN
ajeer-199	171	9	index	index	NOUN
ajeer-199	171	10	(	(	PUNCT
ajeer-199	171	11	c.i	c.i	PROPN
ajeer-199	171	12	.	.	NOUN
ajeer-199	171	13	;	;	PUNCT
ajeer-199	171	14	eq	eq	NOUN
ajeer-199	171	15	.	.	PROPN
ajeer-199	171	16	7	7	NUM
ajeer-199	171	17	)	)	PUNCT
ajeer-199	171	18	.	.	PUNCT
ajeer-199	172	1	the	the	DET
ajeer-199	172	2	second	second	ADJ
ajeer-199	172	3	test	test	NOUN
ajeer-199	172	4	examined	examine	VERB
ajeer-199	172	5	whether	whether	SCONJ
ajeer-199	172	6	the	the	DET
ajeer-199	172	7	hierarchical	hierarchical	ADJ
ajeer-199	172	8	structure	structure	NOUN
ajeer-199	172	9	was	be	AUX
ajeer-199	172	10	consistent	consistent	ADJ
ajeer-199	172	11	.	.	PUNCT
ajeer-199	173	1	the	the	DET
ajeer-199	173	2	basis	basis	NOUN
ajeer-199	173	3	for	for	ADP
ajeer-199	173	4	this	this	DET
ajeer-199	173	5	test	test	NOUN
ajeer-199	173	6	was	be	AUX
ajeer-199	173	7	the	the	DET
ajeer-199	173	8	consistency	consistency	NOUN
ajeer-199	173	9	ratio	ratio	NOUN
ajeer-199	173	10	(	(	PUNCT
ajeer-199	173	11	c.r	c.r	PROPN
ajeer-199	173	12	.	.	PROPN
ajeer-199	173	13	;	;	PUNCT
ajeer-199	174	1	eq	eq	NOUN
ajeer-199	174	2	.	.	NOUN
ajeer-199	174	3	8)	8)	NUM
ajeer-199	175	1	[	[	X
ajeer-199	175	2	20	20	NUM
ajeer-199	175	3	]	]	PUNCT
ajeer-199	175	4	.	.	PUNCT
ajeer-199	176	1	λmax	λmax	NOUN
ajeer-199	176	2	-n	-n	X
ajeer-199	176	3	(	(	PUNCT
ajeer-199	176	4	7	7	NUM
ajeer-199	176	5	)	)	PUNCT
ajeer-199	176	6	n	n	PRON
ajeer-199	176	7	1	1	NUM
ajeer-199	176	8	(	(	PUNCT
ajeer-199	176	9	8)	8)	NUM
ajeer-199	176	10	in	in	ADP
ajeer-199	176	11	this	this	DET
ajeer-199	176	12	equation	equation	NOUN
ajeer-199	176	13	,	,	PUNCT
ajeer-199	176	14	n	n	X
ajeer-199	176	15	is	be	AUX
ajeer-199	176	16	the	the	DET
ajeer-199	176	17	level	level	NOUN
ajeer-199	176	18	factor	factor	NOUN
ajeer-199	176	19	number	number	NOUN
ajeer-199	176	20	and	and	CCONJ
ajeer-199	176	21	λmax	λmax	NOUN
ajeer-199	176	22	is	be	AUX
ajeer-199	176	23	the	the	DET
ajeer-199	176	24	eigenvalue	eigenvalue	NOUN
ajeer-199	176	25	of	of	ADP
ajeer-199	176	26	the	the	DET
ajeer-199	176	27	comparison	comparison	NOUN
ajeer-199	176	28	matrix	matrix	NOUN
ajeer-199	176	29	.	.	PUNCT
ajeer-199	177	1	ri	ri	PROPN
ajeer-199	177	2	is	be	AUX
ajeer-199	177	3	the	the	DET
ajeer-199	177	4	random	random	ADJ
ajeer-199	177	5	consistency	consistency	NOUN
ajeer-199	177	6	index	index	NOUN
ajeer-199	177	7	obtained	obtain	VERB
ajeer-199	177	8	from	from	ADP
ajeer-199	177	9	numerous	numerous	ADJ
ajeer-199	177	10	simulations	simulation	NOUN
ajeer-199	177	11	,	,	PUNCT
ajeer-199	177	12	which	which	PRON
ajeer-199	177	13	varies	vary	VERB
ajeer-199	177	14	according	accord	VERB
ajeer-199	177	15	to	to	ADP
ajeer-199	177	16	the	the	DET
ajeer-199	177	17	order	order	NOUN
ajeer-199	177	18	of	of	ADP
ajeer-199	177	19	the	the	DET
ajeer-199	177	20	matrix	matrix	NOUN
ajeer-199	177	21	(	(	PUNCT
ajeer-199	177	22	table	table	NOUN
ajeer-199	177	23	1	1	NUM
ajeer-199	177	24	)	)	PUNCT
ajeer-199	177	25	.	.	PUNCT
ajeer-199	178	1	table-1	table-1	NUM
ajeer-199	178	2	.	.	PUNCT
ajeer-199	178	3	random	random	ADJ
ajeer-199	178	4	index	index	NOUN
ajeer-199	178	5	(	(	PUNCT
ajeer-199	178	6	r.i	r.i	PROPN
ajeer-199	178	7	.	.	PROPN
ajeer-199	178	8	)	)	PUNCT
ajeer-199	178	9	values	value	NOUN
ajeer-199	178	10	n	n	VERB
ajeer-199	178	11	1	1	NUM
ajeer-199	178	12	2	2	NUM
ajeer-199	178	13	3	3	NUM
ajeer-199	178	14	4	4	NUM
ajeer-199	178	15	5	5	NUM
ajeer-199	178	16	6	6	NUM
ajeer-199	178	17	7	7	NUM
ajeer-199	178	18	8	8	NUM
ajeer-199	178	19	9	9	NUM
ajeer-199	178	20	10	10	NUM
ajeer-199	178	21	r.i	r.i	PROPN
ajeer-199	178	22	.	.	PROPN
ajeer-199	178	23	0	0	NUM
ajeer-199	178	24	0	0	NUM
ajeer-199	178	25	0.58	0.58	NUM
ajeer-199	178	26	0.90	0.90	NUM
ajeer-199	178	27	1.12	1.12	NUM
ajeer-199	178	28	1.24	1.24	NUM
ajeer-199	178	29	1.32	1.32	NUM
ajeer-199	178	30	1.41	1.41	NUM
ajeer-199	178	31	1.45	1.45	NUM
ajeer-199	178	32	1.49	1.49	NUM
ajeer-199	178	33	ahp	ahp	NOUN
ajeer-199	178	34	can	can	AUX
ajeer-199	178	35	not	not	PART
ajeer-199	178	36	overcome	overcome	VERB
ajeer-199	178	37	the	the	DET
ajeer-199	178	38	subjectivity	subjectivity	NOUN
ajeer-199	178	39	,	,	PUNCT
ajeer-199	178	40	inaccuracy	inaccuracy	NOUN
ajeer-199	178	41	,	,	PUNCT
ajeer-199	178	42	and	and	CCONJ
ajeer-199	178	43	fuzziness	fuzziness	NOUN
ajeer-199	178	44	generated	generate	VERB
ajeer-199	178	45	during	during	ADP
ajeer-199	178	46	assessments	assessment	NOUN
ajeer-199	178	47	.	.	PUNCT
ajeer-199	179	1	therefore	therefore	ADV
ajeer-199	179	2	,	,	PUNCT
ajeer-199	179	3	we	we	PRON
ajeer-199	179	4	used	use	VERB
ajeer-199	179	5	fuzzy	fuzzy	ADJ
ajeer-199	179	6	ahp	ahp	PROPN
ajeer-199	179	7	(	(	PUNCT
ajeer-199	179	8	fahp	fahp	NOUN
ajeer-199	179	9	)	)	PUNCT
ajeer-199	179	10	as	as	ADP
ajeer-199	179	11	the	the	DET
ajeer-199	179	12	analysis	analysis	NOUN
ajeer-199	179	13	tool	tool	NOUN
ajeer-199	179	14	in	in	ADP
ajeer-199	179	15	this	this	DET
ajeer-199	179	16	study	study	NOUN
ajeer-199	179	17	.	.	PUNCT
ajeer-199	180	1	fahp	fahp	NOUN
ajeer-199	180	2	combines	combine	VERB
ajeer-199	180	3	ahp	ahp	PROPN
ajeer-199	180	4	and	and	CCONJ
ajeer-199	180	5	fuzzy	fuzzy	ADJ
ajeer-199	180	6	theory	theory	NOUN
ajeer-199	180	7	,	,	PUNCT
ajeer-199	180	8	and	and	CCONJ
ajeer-199	180	9	its	its	PRON
ajeer-199	180	10	execution	execution	NOUN
ajeer-199	180	11	steps	step	NOUN
ajeer-199	180	12	are	be	AUX
ajeer-199	180	13	largely	largely	ADV
ajeer-199	180	14	identical	identical	ADJ
ajeer-199	180	15	to	to	ADP
ajeer-199	180	16	those	those	PRON
ajeer-199	180	17	of	of	ADP
ajeer-199	180	18	ahp	ahp	PROPN
ajeer-199	180	19	.	.	PUNCT
ajeer-199	181	1	however	however	ADV
ajeer-199	181	2	,	,	PUNCT
ajeer-199	181	3	fahp	fahp	NOUN
ajeer-199	181	4	requires	require	VERB
ajeer-199	181	5	additional	additional	ADJ
ajeer-199	181	6	steps	step	NOUN
ajeer-199	181	7	for	for	ADP
ajeer-199	181	8	establishing	establish	VERB
ajeer-199	181	9	fuzzy	fuzzy	ADJ
ajeer-199	181	10	linguistics	linguistic	NOUN
ajeer-199	181	11	,	,	PUNCT
ajeer-199	181	12	defuzzification	defuzzification	NOUN
ajeer-199	181	13	,	,	PUNCT
ajeer-199	181	14	and	and	CCONJ
ajeer-199	181	15	normalization	normalization	NOUN
ajeer-199	181	16	.	.	PUNCT
ajeer-199	182	1	fahp	fahp	NOUN
ajeer-199	182	2	is	be	AUX
ajeer-199	182	3	better	well	ADJ
ajeer-199	182	4	able	able	ADJ
ajeer-199	182	5	to	to	PART
ajeer-199	182	6	resolve	resolve	VERB
ajeer-199	182	7	the	the	DET
ajeer-199	182	8	clarity	clarity	NOUN
ajeer-199	182	9	,	,	PUNCT
ajeer-199	182	10	vagueness	vagueness	NOUN
ajeer-199	182	11	,	,	PUNCT
ajeer-199	182	12	and	and	CCONJ
ajeer-199	182	13	blur	blur	NOUN
ajeer-199	182	14	of	of	ADP
ajeer-199	182	15	human	human	ADJ
ajeer-199	182	16	thinking	thinking	NOUN
ajeer-199	182	17	compared	compare	VERB
ajeer-199	182	18	to	to	ADP
ajeer-199	182	19	ahp	ahp	PROPN
ajeer-199	182	20	(	(	PUNCT
ajeer-199	182	21	huang	huang	PROPN
ajeer-199	182	22	,	,	PUNCT
ajeer-199	182	23	2012	2012	NUM
ajeer-199	182	24	)	)	PUNCT
ajeer-199	182	25	.	.	PUNCT
ajeer-199	183	1	during	during	ADP
ajeer-199	183	2	the	the	DET
ajeer-199	183	3	fahp	fahp	NOUN
ajeer-199	183	4	calculation	calculation	NOUN
ajeer-199	183	5	process	process	NOUN
ajeer-199	183	6	,	,	PUNCT
ajeer-199	183	7	we	we	PRON
ajeer-199	183	8	adopted	adopt	VERB
ajeer-199	183	9	the	the	DET
ajeer-199	183	10	column	column	NOUN
ajeer-199	183	11	geometric	geometric	ADJ
ajeer-199	183	12	mean	mean	NOUN
ajeer-199	183	13	method	method	NOUN
ajeer-199	183	14	,	,	PUNCT
ajeer-199	183	15	“	"	PUNCT
ajeer-199	183	16	buckley‟s	buckley‟s	ADJ
ajeer-199	183	17	method	method	NOUN
ajeer-199	183	18	”	"	PUNCT
ajeer-199	183	19	(	(	PUNCT
ajeer-199	183	20	buckley	buckley	NOUN
ajeer-199	183	21	,	,	PUNCT
ajeer-199	183	22	1985	1985	NUM
ajeer-199	183	23	)	)	PUNCT
ajeer-199	183	24	and	and	CCONJ
ajeer-199	183	25	the	the	DET
ajeer-199	183	26	extent	extent	NOUN
ajeer-199	183	27	analysis	analysis	NOUN
ajeer-199	183	28	method	method	NOUN
ajeer-199	183	29	,	,	PUNCT
ajeer-199	183	30	“	"	PUNCT
ajeer-199	183	31	chang‟s	chang‟s	NOUN
ajeer-199	183	32	method	method	NOUN
ajeer-199	183	33	”	"	PUNCT
ajeer-199	183	34	(	(	PUNCT
ajeer-199	183	35	chang	chang	PROPN
ajeer-199	183	36	,	,	PUNCT
ajeer-199	183	37	1996	1996	NUM
ajeer-199	183	38	)	)	PUNCT
ajeer-199	183	39	to	to	PART
ajeer-199	183	40	calculate	calculate	VERB
ajeer-199	183	41	the	the	DET
ajeer-199	183	42	weights	weight	NOUN
ajeer-199	183	43	.	.	PUNCT
ajeer-199	184	1	the	the	DET
ajeer-199	184	2	steps	step	NOUN
ajeer-199	184	3	are	be	AUX
ajeer-199	184	4	explained	explain	VERB
ajeer-199	184	5	below	below	ADV
ajeer-199	184	6	:	:	PUNCT
ajeer-199	184	7	step	step	NOUN
ajeer-199	184	8	1	1	NUM
ajeer-199	184	9	.	.	PUNCT
ajeer-199	184	10	establish	establish	VERB
ajeer-199	184	11	a	a	DET
ajeer-199	184	12	hierarchical	hierarchical	ADJ
ajeer-199	184	13	structure	structure	NOUN
ajeer-199	184	14	step	step	NOUN
ajeer-199	184	15	2	2	NUM
ajeer-199	184	16	.	.	PUNCT
ajeer-199	184	17	design	design	VERB
ajeer-199	184	18	a	a	DET
ajeer-199	184	19	questionnaire	questionnaire	NOUN
ajeer-199	184	20	:	:	PUNCT
ajeer-199	184	21	based	base	VERB
ajeer-199	184	22	on	on	ADP
ajeer-199	184	23	the	the	DET
ajeer-199	184	24	established	establish	VERB
ajeer-199	184	25	hierarchical	hierarchical	ADJ
ajeer-199	184	26	structure	structure	NOUN
ajeer-199	184	27	,	,	PUNCT
ajeer-199	184	28	design	design	VERB
ajeer-199	184	29	a	a	DET
ajeer-199	184	30	questionnaire	questionnaire	NOUN
ajeer-199	184	31	that	that	PRON
ajeer-199	184	32	compares	compare	VERB
ajeer-199	184	33	indicators	indicator	NOUN
ajeer-199	184	34	to	to	PART
ajeer-199	184	35	obtain	obtain	VERB
ajeer-199	184	36	respondents‟	respondents‟	ADV
ajeer-199	184	37	opinions	opinion	NOUN
ajeer-199	184	38	of	of	ADP
ajeer-199	184	39	two	two	NUM
ajeer-199	184	40	indicators	indicator	NOUN
ajeer-199	184	41	.	.	PUNCT
ajeer-199	185	1	we	we	PRON
ajeer-199	185	2	used	use	VERB
ajeer-199	185	3	the	the	DET
ajeer-199	185	4	semantic	semantic	ADJ
ajeer-199	185	5	description	description	NOUN
ajeer-199	185	6	method	method	NOUN
ajeer-199	185	7	to	to	PART
ajeer-199	185	8	allow	allow	VERB
ajeer-199	185	9	the	the	DET
ajeer-199	185	10	respondents	respondent	NOUN
ajeer-199	185	11	to	to	PART
ajeer-199	185	12	express	express	VERB
ajeer-199	185	13	their	their	PRON
ajeer-199	185	14	assessments	assessment	NOUN
ajeer-199	185	15	and	and	CCONJ
ajeer-199	185	16	subjective	subjective	ADJ
ajeer-199	185	17	judgments	judgment	NOUN
ajeer-199	185	18	fully	fully	ADV
ajeer-199	185	19	.	.	PUNCT
ajeer-199	186	1	we	we	PRON
ajeer-199	186	2	also	also	ADV
ajeer-199	186	3	used	use	VERB
ajeer-199	186	4	the	the	DET
ajeer-199	186	5	triangular	triangular	NOUN
ajeer-199	186	6	fuzzy	fuzzy	ADJ
ajeer-199	186	7	number	number	NOUN
ajeer-199	186	8	to	to	PART
ajeer-199	186	9	express	express	VERB
ajeer-199	186	10	semantic	semantic	ADJ
ajeer-199	186	11	judgment	judgment	NOUN
ajeer-199	186	12	values	value	NOUN
ajeer-199	186	13	.	.	PUNCT
ajeer-199	187	1	a	a	DET
ajeer-199	187	2	9	9	NUM
ajeer-199	187	3	-	-	PUNCT
ajeer-199	187	4	point	point	NOUN
ajeer-199	187	5	scale	scale	NOUN
ajeer-199	187	6	was	be	AUX
ajeer-199	187	7	used	use	VERB
ajeer-199	187	8	to	to	PART
ajeer-199	187	9	describe	describe	VERB
ajeer-199	187	10	the	the	DET
ajeer-199	187	11	relativity	relativity	NOUN
ajeer-199	187	12	,	,	PUNCT
ajeer-199	187	13	as	as	SCONJ
ajeer-199	187	14	shown	show	VERB
ajeer-199	187	15	in	in	ADP
ajeer-199	187	16	table	table	NOUN
ajeer-199	187	17	2	2	NUM
ajeer-199	187	18	.	.	PUNCT
ajeer-199	188	1	table-2	table-2	NUM
ajeer-199	188	2	.	.	PUNCT
ajeer-199	189	1	the	the	DET
ajeer-199	189	2	relative	relative	ADJ
ajeer-199	189	3	importance	importance	NOUN
ajeer-199	189	4	of	of	ADP
ajeer-199	189	5	fuzzy	fuzzy	ADJ
ajeer-199	189	6	ratio	ratio	NOUN
ajeer-199	189	7	scales	scale	NOUN
ajeer-199	189	8	(	(	PUNCT
ajeer-199	189	9	huang	huang	PROPN
ajeer-199	189	10	,	,	PUNCT
ajeer-199	189	11	2012	2012	NUM
ajeer-199	189	12	)	)	PUNCT
ajeer-199	189	13	relative	relative	ADJ
ajeer-199	189	14	importance	importance	NOUN
ajeer-199	189	15	linguistic	linguistic	ADJ
ajeer-199	189	16	variables	variable	NOUN
ajeer-199	189	17	triangular	triangular	VERB
ajeer-199	189	18	fuzzy	fuzzy	ADJ
ajeer-199	189	19	number	number	NOUN
ajeer-199	189	20	cij	cij	PROPN
ajeer-199	189	21	=	=	SYM
ajeer-199	189	22	9	9	NUM
ajeer-199	189	23	absolute	absolute	ADJ
ajeer-199	189	24	importance	importance	NOUN
ajeer-199	189	25	(	(	PUNCT
ajeer-199	189	26	8,9,9	8,9,9	NUM
ajeer-199	189	27	)	)	PUNCT
ajeer-199	189	28	cij	cij	PROPN
ajeer-199	189	29	=	=	SYM
ajeer-199	189	30	8	8	NUM
ajeer-199	189	31	intermediate	intermediate	ADJ
ajeer-199	189	32	value	value	NOUN
ajeer-199	189	33	(	(	PUNCT
ajeer-199	189	34	7,8,9	7,8,9	NOUN
ajeer-199	189	35	)	)	PUNCT
ajeer-199	189	36	cij	cij	NOUN
ajeer-199	189	37	=	=	SYM
ajeer-199	189	38	7	7	NUM
ajeer-199	189	39	very	very	ADV
ajeer-199	189	40	strong	strong	ADJ
ajeer-199	189	41	importance	importance	NOUN
ajeer-199	189	42	(	(	PUNCT
ajeer-199	189	43	6,7,8	6,7,8	NUM
ajeer-199	189	44	)	)	PUNCT
ajeer-199	189	45	cij	cij	NOUN
ajeer-199	189	46	=	=	SYM
ajeer-199	189	47	6	6	NUM
ajeer-199	189	48	intermediate	intermediate	ADJ
ajeer-199	189	49	value	value	NOUN
ajeer-199	189	50	(	(	PUNCT
ajeer-199	189	51	5,6,7	5,6,7	NOUN
ajeer-199	189	52	)	)	PUNCT
ajeer-199	189	53	cij	cij	NOUN
ajeer-199	189	54	=	=	SYM
ajeer-199	189	55	5	5	NUM
ajeer-199	189	56	essential	essential	ADJ
ajeer-199	189	57	importance	importance	NOUN
ajeer-199	189	58	(	(	PUNCT
ajeer-199	189	59	4,5,6	4,5,6	X
ajeer-199	189	60	)	)	PUNCT
ajeer-199	189	61	cij	cij	NOUN
ajeer-199	189	62	=	=	SYM
ajeer-199	189	63	4	4	NUM
ajeer-199	189	64	intermediate	intermediate	ADJ
ajeer-199	189	65	value	value	NOUN
ajeer-199	189	66	(	(	PUNCT
ajeer-199	189	67	3,4,5	3,4,5	NUM
ajeer-199	189	68	)	)	PUNCT
ajeer-199	189	69	cij	cij	NOUN
ajeer-199	189	70	=	=	SYM
ajeer-199	189	71	3	3	NUM
ajeer-199	189	72	weak	weak	ADJ
ajeer-199	189	73	importance	importance	NOUN
ajeer-199	189	74	(	(	PUNCT
ajeer-199	189	75	2,3,4	2,3,4	NUM
ajeer-199	189	76	)	)	PUNCT
ajeer-199	189	77	cij	cij	NOUN
ajeer-199	189	78	=	=	SYM
ajeer-199	189	79	2	2	NUM
ajeer-199	189	80	intermediate	intermediate	ADJ
ajeer-199	189	81	value	value	NOUN
ajeer-199	189	82	(	(	PUNCT
ajeer-199	189	83	1,2,3	1,2,3	NOUN
ajeer-199	189	84	)	)	PUNCT
ajeer-199	189	85	cij	cij	NOUN
ajeer-199	189	86	=	=	SYM
ajeer-199	189	87	1	1	NUM
ajeer-199	189	88	equal	equal	ADJ
ajeer-199	189	89	importance	importance	NOUN
ajeer-199	189	90	(	(	PUNCT
ajeer-199	189	91	1,1,2	1,1,2	NUM
ajeer-199	189	92	)	)	PUNCT
ajeer-199	189	93	step	step	NOUN
ajeer-199	189	94	3	3	NUM
ajeer-199	189	95	.	.	PUNCT
ajeer-199	189	96	establish	establish	VERB
ajeer-199	189	97	a	a	DET
ajeer-199	189	98	fuzzy	fuzzy	ADJ
ajeer-199	189	99	positive	positive	ADJ
ajeer-199	189	100	reciprocal	reciprocal	ADJ
ajeer-199	189	101	matrix	matrix	NOUN
ajeer-199	190	1	a	a	DET
ajeer-199	190	2	=	=	X
ajeer-199	190	3	[	[	X
ajeer-199	190	4	aij	aij	X
ajeer-199	190	5	]	]	X
ajeer-199	190	6	(	(	PUNCT
ajeer-199	190	7	9	9	NUM
ajeer-199	190	8	)	)	PUNCT
ajeer-199	190	9	where	where	SCONJ
ajeer-199	190	10	aij	aij	PROPN
ajeer-199	190	11	=(	=(	PROPN
ajeer-199	190	12	lij	lij	PROPN
ajeer-199	190	13	,	,	PUNCT
ajeer-199	190	14	mij	mij	INTJ
ajeer-199	190	15	,	,	PUNCT
ajeer-199	190	16	uij	uij	PRON
ajeer-199	190	17	,	,	PUNCT
ajeer-199	190	18	)	)	PUNCT
ajeer-199	190	19	,	,	PUNCT
ajeer-199	190	20	lij	lij	PROPN
ajeer-199	190	21	,	,	PUNCT
ajeer-199	190	22	mij	mij	NOUN
ajeer-199	190	23	,	,	PUNCT
ajeer-199	190	24	and	and	CCONJ
ajeer-199	190	25	uij	uij	PRON
ajeer-199	190	26	are	be	AUX
ajeer-199	190	27	the	the	DET
ajeer-199	190	28	lower	low	ADJ
ajeer-199	190	29	limit	limit	NOUN
ajeer-199	190	30	,	,	PUNCT
ajeer-199	190	31	peak	peak	NOUN
ajeer-199	190	32	,	,	PUNCT
ajeer-199	190	33	and	and	CCONJ
ajeer-199	190	34	upper	upper	ADJ
ajeer-199	190	35	limit	limit	NOUN
ajeer-199	190	36	of	of	ADP
ajeer-199	190	37	the	the	DET
ajeer-199	190	38	triangular	triangular	NOUN
ajeer-199	190	39	fuzzy	fuzzy	ADJ
ajeer-199	190	40	number	number	NOUN
ajeer-199	190	41	:	:	PUNCT
ajeer-199	190	42	step	step	NOUN
ajeer-199	190	43	4	4	NUM
ajeer-199	190	44	.	.	PUNCT
ajeer-199	190	45	use	use	VERB
ajeer-199	190	46	the	the	DET
ajeer-199	190	47	geometric	geometric	ADJ
ajeer-199	190	48	means	mean	NOUN
ajeer-199	190	49	method	method	NOUN
ajeer-199	190	50	to	to	PART
ajeer-199	190	51	integrate	integrate	VERB
ajeer-199	190	52	the	the	DET
ajeer-199	190	53	opinions	opinion	NOUN
ajeer-199	190	54	of	of	ADP
ajeer-199	190	55	respondents	respondent	NOUN
ajeer-199	190	56	.	.	PUNCT
ajeer-199	191	1	aij	aij	PROPN
ajeer-199	191	2	=	=	SYM
ajeer-199	191	3	(	(	PUNCT
ajeer-199	191	4	a	a	DET
ajeer-199	191	5	1	1	NUM
ajeer-199	191	6	ij	ij	NOUN
ajeer-199	191	7	a	a	DET
ajeer-199	191	8	2	2	NUM
ajeer-199	191	9	ij	ij	NOUN
ajeer-199	191	10	…	…	PUNCT
ajeer-199	191	11	.	.	PUNCT
ajeer-199	192	1	a	a	DET
ajeer-199	192	2	n	n	NUM
ajeer-199	192	3	ij	ij	NOUN
ajeer-199	192	4	)	)	PUNCT
ajeer-199	192	5	1	1	NUM
ajeer-199	192	6	/	/	SYM
ajeer-199	192	7	n	n	CCONJ
ajeer-199	192	8	(	(	PUNCT
ajeer-199	192	9	10	10	NUM
ajeer-199	192	10	)	)	PUNCT
ajeer-199	192	11	were	be	AUX
ajeer-199	192	12	aij	aij	PROPN
ajeer-199	192	13	is	be	AUX
ajeer-199	192	14	the	the	DET
ajeer-199	192	15	triangular	triangular	NOUN
ajeer-199	192	16	fuzzy	fuzzy	ADJ
ajeer-199	192	17	number	number	NOUN
ajeer-199	192	18	in	in	ADP
ajeer-199	192	19	the	the	DET
ajeer-199	192	20	column	column	NOUN
ajeer-199	192	21	and	and	CCONJ
ajeer-199	192	22	the	the	DET
ajeer-199	192	23	row	row	NOUN
ajeer-199	192	24	of	of	ADP
ajeer-199	192	25	the	the	DET
ajeer-199	192	26	fuzzy	fuzzy	ADJ
ajeer-199	192	27	positive	positive	ADJ
ajeer-199	192	28	reciprocal	reciprocal	ADJ
ajeer-199	192	29	matrix	matrix	NOUN
ajeer-199	192	30	and	and	CCONJ
ajeer-199	192	31	a	a	DET
ajeer-199	192	32	n	n	NOUN
ajeer-199	192	33	ij	ij	NOUN
ajeer-199	192	34	is	be	AUX
ajeer-199	192	35	the	the	DET
ajeer-199	192	36	assessment	assessment	NOUN
ajeer-199	192	37	value	value	NOUN
ajeer-199	192	38	of	of	ADP
ajeer-199	192	39	respondent	respondent	NOUN
ajeer-199	192	40	n.	n.	NOUN
ajeer-199	192	41	step	step	NOUN
ajeer-199	192	42	5	5	NUM
ajeer-199	192	43	.	.	PUNCT
ajeer-199	193	1	calculate	calculate	VERB
ajeer-199	193	2	the	the	DET
ajeer-199	193	3	fuzzy	fuzzy	ADJ
ajeer-199	193	4	weight	weight	NOUN
ajeer-199	193	5	(	(	PUNCT
ajeer-199	193	6	1	1	NUM
ajeer-199	193	7	)	)	PUNCT
ajeer-199	193	8	method	method	NOUN
ajeer-199	193	9	1	1	NUM
ajeer-199	193	10	:	:	PUNCT
ajeer-199	193	11	column	column	NOUN
ajeer-199	193	12	geometric	geometric	ADJ
ajeer-199	193	13	mean	mean	NOUN
ajeer-199	193	14	method	method	NOUN
ajeer-199	193	15	wi	wi	PROPN
ajeer-199	193	16	=	=	SYM
ajeer-199	193	17	ri	ri	PROPN
ajeer-199	193	18	(	(	PUNCT
ajeer-199	193	19	r1	r1	PROPN
ajeer-199	193	20	r2	r2	PROPN
ajeer-199	193	21	…	…	PUNCT
ajeer-199	193	22	…	…	PUNCT
ajeer-199	193	23	rn	rn	NOUN
ajeer-199	193	24	)	)	PUNCT
ajeer-199	193	25	-1	-1	PUNCT
ajeer-199	194	1	(	(	PUNCT
ajeer-199	194	2	11	11	NUM
ajeer-199	194	3	)	)	PUNCT
ajeer-199	194	4	ri	ri	NOUN
ajeer-199	195	1	=	=	PUNCT
ajeer-199	195	2	(	(	PUNCT
ajeer-199	195	3	ai1	ai1	X
ajeer-199	195	4	ai2	ai2	X
ajeer-199	195	5	…	…	PUNCT
ajeer-199	195	6	…	…	PUNCT
ajeer-199	195	7	a	a	DET
ajeer-199	195	8	1	1	NUM
ajeer-199	195	9	in	in	ADP
ajeer-199	195	10	)	)	PUNCT
ajeer-199	195	11	1	1	NUM
ajeer-199	195	12	/	/	SYM
ajeer-199	195	13	n	n	CCONJ
ajeer-199	195	14	(	(	PUNCT
ajeer-199	195	15	12	12	NUM
ajeer-199	195	16	)	)	PUNCT
ajeer-199	195	17	where	where	SCONJ
ajeer-199	195	18	wi	wi	PROPN
ajeer-199	195	19	is	be	AUX
ajeer-199	195	20	the	the	DET
ajeer-199	195	21	fuzzy	fuzzy	ADJ
ajeer-199	195	22	weight	weight	NOUN
ajeer-199	195	23	value	value	NOUN
ajeer-199	195	24	of	of	ADP
ajeer-199	195	25	each	each	DET
ajeer-199	195	26	column	column	NOUN
ajeer-199	195	27	in	in	ADP
ajeer-199	195	28	the	the	DET
ajeer-199	195	29	fuzzy	fuzzy	ADJ
ajeer-199	195	30	positive	positive	ADJ
ajeer-199	195	31	reciprocal	reciprocal	ADJ
ajeer-199	195	32	matrix	matrix	NOUN
ajeer-199	195	33	and	and	CCONJ
ajeer-199	195	34	ri	ri	PROPN
ajeer-199	195	35	is	be	AUX
ajeer-199	195	36	the	the	DET
ajeer-199	195	37	geometric	geometric	ADJ
ajeer-199	195	38	mean	mean	NOUN
ajeer-199	195	39	of	of	ADP
ajeer-199	195	40	the	the	DET
ajeer-199	195	41	triangular	triangular	NOUN
ajeer-199	195	42	fuzzy	fuzzy	ADJ
ajeer-199	195	43	number	number	NOUN
ajeer-199	195	44	.	.	PUNCT
ajeer-199	196	1	(	(	PUNCT
ajeer-199	196	2	2	2	X
ajeer-199	196	3	)	)	PUNCT
ajeer-199	196	4	method	method	NOUN
ajeer-199	196	5	2	2	NUM
ajeer-199	196	6	:	:	PUNCT
ajeer-199	196	7	extent	extent	NOUN
ajeer-199	196	8	analysis	analysis	NOUN
ajeer-199	196	9	method	method	NOUN
ajeer-199	197	1	si	si	X
ajeer-199	197	2	=	=	SYM
ajeer-199	197	3	∑	∑	PROPN
ajeer-199	197	4	m	m	VERB
ajeer-199	197	5	j	j	NOUN
ajeer-199	197	6	gi	gi	INTJ
ajeer-199	198	1	[	[	X
ajeer-199	198	2	∑	∑	PROPN
ajeer-199	198	3	∑	∑	PROPN
ajeer-199	198	4	m	m	PROPN
ajeer-199	198	5	j	j	NOUN
ajeer-199	198	6	gi	gi	X
ajeer-199	198	7	]	]	X
ajeer-199	198	8	-1	-1	X
ajeer-199	198	9	(	(	PUNCT
ajeer-199	198	10	13	13	NUM
ajeer-199	198	11	)	)	PUNCT
ajeer-199	198	12	∑	∑	NOUN
ajeer-199	198	13	m	m	PROPN
ajeer-199	198	14	j	j	NOUN
ajeer-199	198	15	gi	gi	NOUN
ajeer-199	198	16	=	=	PUNCT
ajeer-199	199	1	[	[	X
ajeer-199	199	2	∑	∑	X
ajeer-199	199	3	lj	lj	INTJ
ajeer-199	199	4	,	,	PUNCT
ajeer-199	199	5	∑	∑	ADP
ajeer-199	199	6	mj	mj	INTJ
ajeer-199	199	7	,	,	PUNCT
ajeer-199	199	8	∑	∑	ADV
ajeer-199	199	9	uj	uj	PROPN
ajeer-199	199	10	]	]	X
ajeer-199	199	11	(	(	PUNCT
ajeer-199	199	12	14	14	NUM
ajeer-199	199	13	)	)	PUNCT
ajeer-199	200	1	[	[	X
ajeer-199	200	2	∑	∑	PROPN
ajeer-199	200	3	∑	∑	PROPN
ajeer-199	200	4	m	m	PROPN
ajeer-199	200	5	j	j	NOUN
ajeer-199	200	6	gi	gi	X
ajeer-199	200	7	]	]	X
ajeer-199	200	8	-1	-1	PUNCT
ajeer-199	200	9	=	=	PUNCT
ajeer-199	201	1	[	[	PUNCT
ajeer-199	201	2	∑	∑	PUNCT
ajeer-199	201	3	∑	∑	PROPN
ajeer-199	201	4	∑	∑	PROPN
ajeer-199	201	5	]	]	PUNCT
ajeer-199	201	6	(	(	PUNCT
ajeer-199	201	7	15	15	NUM
ajeer-199	201	8	)	)	PUNCT
ajeer-199	201	9	asian	asian	ADJ
ajeer-199	201	10	journal	journal	NOUN
ajeer-199	201	11	of	of	ADP
ajeer-199	201	12	economics	economic	NOUN
ajeer-199	201	13	and	and	CCONJ
ajeer-199	201	14	empirical	empirical	ADJ
ajeer-199	201	15	research	research	NOUN
ajeer-199	201	16	,	,	PUNCT
ajeer-199	201	17	2015	2015	NUM
ajeer-199	201	18	,	,	PUNCT
ajeer-199	201	19	2(2	2(2	NUM
ajeer-199	201	20	):	):	PUNCT
ajeer-199	201	21	52	52	NUM
ajeer-199	201	22	-	-	SYM
ajeer-199	201	23	61	61	NUM
ajeer-199	201	24	58	58	NUM
ajeer-199	201	25	where	where	SCONJ
ajeer-199	201	26	si	si	PROPN
ajeer-199	201	27	is	be	AUX
ajeer-199	201	28	the	the	DET
ajeer-199	201	29	fuzzy	fuzzy	ADJ
ajeer-199	201	30	weight	weight	NOUN
ajeer-199	201	31	in	in	ADP
ajeer-199	201	32	matrix	matrix	NOUN
ajeer-199	201	33	m	m	NOUN
ajeer-199	201	34	and	and	CCONJ
ajeer-199	201	35	m	m	PROPN
ajeer-199	201	36	j	j	NOUN
ajeer-199	201	37	gi	gi	INTJ
ajeer-199	201	38	(	(	PUNCT
ajeer-199	201	39	j	j	PROPN
ajeer-199	201	40	=	=	SYM
ajeer-199	201	41	1,2	1,2	NUM
ajeer-199	201	42	,	,	PUNCT
ajeer-199	201	43	…	…	PUNCT
ajeer-199	201	44	.	.	PUNCT
ajeer-199	201	45	.	.	PUNCT
ajeer-199	202	1	,	,	PUNCT
ajeer-199	202	2	m	m	VERB
ajeer-199	202	3	)	)	PUNCT
ajeer-199	202	4	is	be	AUX
ajeer-199	202	5	the	the	DET
ajeer-199	202	6	triangular	triangular	NOUN
ajeer-199	202	7	fuzzy	fuzzy	ADJ
ajeer-199	202	8	number	number	NOUN
ajeer-199	202	9	calculated	calculate	VERB
ajeer-199	202	10	after	after	ADP
ajeer-199	202	11	comparing	compare	VERB
ajeer-199	202	12	the	the	DET
ajeer-199	202	13	questionnaires	questionnaire	NOUN
ajeer-199	202	14	.	.	PUNCT
ajeer-199	203	1	after	after	ADP
ajeer-199	203	2	comparing	compare	VERB
ajeer-199	203	3	each	each	DET
ajeer-199	203	4	indicator	indicator	NOUN
ajeer-199	203	5	,	,	PUNCT
ajeer-199	203	6	a	a	DET
ajeer-199	203	7	minimum	minimum	NOUN
ajeer-199	203	8	was	be	AUX
ajeer-199	203	9	generated	generate	VERB
ajeer-199	203	10	for	for	ADP
ajeer-199	203	11	each	each	DET
ajeer-199	203	12	group	group	NOUN
ajeer-199	203	13	(	(	PUNCT
ajeer-199	203	14	eq	eq	NOUN
ajeer-199	203	15	.	.	PROPN
ajeer-199	203	16	16	16	NUM
ajeer-199	203	17	)	)	PUNCT
ajeer-199	203	18	.	.	PUNCT
ajeer-199	204	1	assume	assume	VERB
ajeer-199	204	2	that	that	SCONJ
ajeer-199	204	3	d'(ai	d'(ai	VERB
ajeer-199	204	4	)	)	PUNCT
ajeer-199	204	5	is	be	AUX
ajeer-199	204	6	the	the	DET
ajeer-199	204	7	minimum	minimum	NOUN
ajeer-199	204	8	for	for	ADP
ajeer-199	204	9	each	each	DET
ajeer-199	204	10	group	group	NOUN
ajeer-199	204	11	(	(	PUNCT
ajeer-199	204	12	eq	eq	NOUN
ajeer-199	204	13	.	.	PROPN
ajeer-199	204	14	17	17	NUM
ajeer-199	204	15	)	)	PUNCT
ajeer-199	204	16	,	,	PUNCT
ajeer-199	204	17	and	and	CCONJ
ajeer-199	204	18	create	create	VERB
ajeer-199	204	19	a	a	DET
ajeer-199	204	20	set	set	NOUN
ajeer-199	204	21	with	with	ADP
ajeer-199	204	22	the	the	DET
ajeer-199	204	23	minimums	minimum	NOUN
ajeer-199	204	24	of	of	ADP
ajeer-199	204	25	each	each	DET
ajeer-199	204	26	group	group	NOUN
ajeer-199	204	27	(	(	PUNCT
ajeer-199	204	28	eq	eq	NOUN
ajeer-199	204	29	.	.	PROPN
ajeer-199	204	30	18	18	NUM
ajeer-199	204	31	)	)	PUNCT
ajeer-199	204	32	.	.	PUNCT
ajeer-199	205	1	v(m	v(m	NOUN
ajeer-199	205	2	≥	≥	NUM
ajeer-199	205	3	m1	m1	PROPN
ajeer-199	205	4	,	,	PUNCT
ajeer-199	205	5	m2	m2	PROPN
ajeer-199	205	6	,	,	PUNCT
ajeer-199	205	7	…	…	PUNCT
ajeer-199	205	8	…	…	PUNCT
ajeer-199	205	9	,	,	PUNCT
ajeer-199	205	10	mk	mk	X
ajeer-199	205	11	)	)	PUNCT
ajeer-199	205	12	=	=	PUNCT
ajeer-199	205	13	minv	minv	NOUN
ajeer-199	205	14	(	(	PUNCT
ajeer-199	205	15	m	m	PROPN
ajeer-199	205	16	≥	≥	PROPN
ajeer-199	205	17	mi	mi	PROPN
ajeer-199	205	18	)	)	PUNCT
ajeer-199	205	19	,	,	PUNCT
ajeer-199	205	20	i	i	PRON
ajeer-199	205	21	=	=	NOUN
ajeer-199	205	22	1	1	NUM
ajeer-199	205	23	,	,	PUNCT
ajeer-199	205	24	2	2	NUM
ajeer-199	205	25	,	,	PUNCT
ajeer-199	205	26	…	…	PUNCT
ajeer-199	205	27	…	…	PUNCT
ajeer-199	205	28	,	,	PUNCT
ajeer-199	205	29	k	k	X
ajeer-199	205	30	(	(	PUNCT
ajeer-199	205	31	16	16	NUM
ajeer-199	205	32	)	)	PUNCT
ajeer-199	205	33	d	d	NOUN
ajeer-199	205	34	*	*	PUNCT
ajeer-199	205	35	(	(	PUNCT
ajeer-199	205	36	ai	ai	NOUN
ajeer-199	205	37	)	)	PUNCT
ajeer-199	205	38	=	=	SYM
ajeer-199	205	39	min	min	PROPN
ajeer-199	205	40	v(si	v(si	X
ajeer-199	205	41	≥	≥	NOUN
ajeer-199	205	42	sk	sk	PROPN
ajeer-199	205	43	)	)	PUNCT
ajeer-199	205	44	(	(	PUNCT
ajeer-199	205	45	17	17	NUM
ajeer-199	205	46	)	)	PUNCT
ajeer-199	205	47	w‟	w‟	NOUN
ajeer-199	206	1	=	=	SYM
ajeer-199	206	2	(	(	PUNCT
ajeer-199	206	3	d‟	d‟	NUM
ajeer-199	206	4	(	(	PUNCT
ajeer-199	206	5	a1	a1	PROPN
ajeer-199	206	6	)	)	PUNCT
ajeer-199	206	7	,	,	PUNCT
ajeer-199	206	8	d‟	d‟	X
ajeer-199	206	9	(	(	PUNCT
ajeer-199	206	10	a2	a2	PROPN
ajeer-199	206	11	)	)	PUNCT
ajeer-199	206	12	,	,	PUNCT
ajeer-199	206	13	…	…	PUNCT
ajeer-199	206	14	…	…	PUNCT
ajeer-199	206	15	,	,	PUNCT
ajeer-199	206	16	d‟	d‟	NUM
ajeer-199	206	17	(	(	PUNCT
ajeer-199	206	18	an	an	NOUN
ajeer-199	206	19	)	)	PUNCT
ajeer-199	206	20	)	)	PUNCT
ajeer-199	207	1	t	t	PROPN
ajeer-199	207	2	(	(	PUNCT
ajeer-199	207	3	18	18	NUM
ajeer-199	207	4	)	)	PUNCT
ajeer-199	207	5	standardize	standardize	VERB
ajeer-199	207	6	the	the	DET
ajeer-199	207	7	minimums	minimum	NOUN
ajeer-199	207	8	after	after	ADP
ajeer-199	207	9	comparison	comparison	NOUN
ajeer-199	207	10	to	to	PART
ajeer-199	207	11	obtain	obtain	VERB
ajeer-199	207	12	the	the	DET
ajeer-199	207	13	defuzzification	defuzzification	NOUN
ajeer-199	207	14	weights	weight	NOUN
ajeer-199	207	15	for	for	ADP
ajeer-199	207	16	each	each	DET
ajeer-199	207	17	indicator	indicator	NOUN
ajeer-199	207	18	(	(	PUNCT
ajeer-199	207	19	eq	eq	NOUN
ajeer-199	207	20	.	.	PROPN
ajeer-199	207	21	19	19	NUM
ajeer-199	207	22	)	)	PUNCT
ajeer-199	207	23	.	.	PUNCT
ajeer-199	208	1	w	w	X
ajeer-199	208	2	=	=	SYM
ajeer-199	208	3	(	(	PUNCT
ajeer-199	208	4	d‟	d‟	NUM
ajeer-199	208	5	(	(	PUNCT
ajeer-199	208	6	a1	a1	PROPN
ajeer-199	208	7	)	)	PUNCT
ajeer-199	208	8	,	,	PUNCT
ajeer-199	208	9	d‟	d‟	X
ajeer-199	208	10	(	(	PUNCT
ajeer-199	208	11	a2	a2	PROPN
ajeer-199	208	12	)	)	PUNCT
ajeer-199	208	13	,	,	PUNCT
ajeer-199	208	14	…	…	PUNCT
ajeer-199	208	15	…	…	PUNCT
ajeer-199	208	16	,	,	PUNCT
ajeer-199	208	17	d‟	d‟	NUM
ajeer-199	208	18	(	(	PUNCT
ajeer-199	208	19	an	an	NOUN
ajeer-199	208	20	)	)	PUNCT
ajeer-199	208	21	)	)	PUNCT
ajeer-199	209	1	t	t	PROPN
ajeer-199	209	2	(	(	PUNCT
ajeer-199	209	3	19	19	NUM
ajeer-199	209	4	)	)	PUNCT
ajeer-199	209	5	step	step	NOUN
ajeer-199	209	6	6	6	NUM
ajeer-199	209	7	.	.	PUNCT
ajeer-199	210	1	defuzzification	defuzzification	NOUN
ajeer-199	210	2	:	:	PUNCT
ajeer-199	210	3	convert	convert	VERB
ajeer-199	210	4	the	the	DET
ajeer-199	210	5	fuzzy	fuzzy	ADJ
ajeer-199	210	6	weights	weight	NOUN
ajeer-199	210	7	into	into	ADP
ajeer-199	210	8	non	non	ADJ
ajeer-199	210	9	-	-	ADJ
ajeer-199	210	10	fuzzy	fuzzy	ADJ
ajeer-199	210	11	values	value	NOUN
ajeer-199	210	12	(	(	PUNCT
ajeer-199	210	13	eq	eq	NOUN
ajeer-199	210	14	.	.	PROPN
ajeer-199	210	15	20	20	NUM
ajeer-199	210	16	)	)	PUNCT
ajeer-199	210	17	.	.	PUNCT
ajeer-199	211	1	dfij	dfij	NOUN
ajeer-199	211	2	=	=	PUNCT
ajeer-199	211	3	(	(	PUNCT
ajeer-199	211	4	20	20	NUM
ajeer-199	211	5	)	)	PUNCT
ajeer-199	211	6	a	a	DET
ajeer-199	211	7	,	,	PUNCT
ajeer-199	211	8	b	b	NOUN
ajeer-199	211	9	,	,	PUNCT
ajeer-199	211	10	and	and	CCONJ
ajeer-199	211	11	c	c	NOUN
ajeer-199	211	12	are	be	AUX
ajeer-199	211	13	the	the	DET
ajeer-199	211	14	lower	low	ADJ
ajeer-199	211	15	limit	limit	NOUN
ajeer-199	211	16	lij	lij	PROPN
ajeer-199	211	17	,	,	PUNCT
ajeer-199	211	18	the	the	DET
ajeer-199	211	19	peak	peak	NOUN
ajeer-199	211	20	(	(	PUNCT
ajeer-199	211	21	mij	mij	NOUN
ajeer-199	211	22	)	)	PUNCT
ajeer-199	211	23	,	,	PUNCT
ajeer-199	211	24	and	and	CCONJ
ajeer-199	211	25	the	the	DET
ajeer-199	211	26	upper	upper	ADJ
ajeer-199	211	27	limit	limit	NOUN
ajeer-199	211	28	(	(	PUNCT
ajeer-199	211	29	uij	uij	PROPN
ajeer-199	211	30	)	)	PUNCT
ajeer-199	211	31	of	of	ADP
ajeer-199	211	32	the	the	DET
ajeer-199	211	33	triangular	triangular	NOUN
ajeer-199	211	34	fuzzy	fuzzy	ADJ
ajeer-199	211	35	number	number	NOUN
ajeer-199	211	36	.	.	PUNCT
ajeer-199	212	1	step	step	NOUN
ajeer-199	212	2	7	7	NUM
ajeer-199	212	3	.	.	PUNCT
ajeer-199	213	1	perform	perform	VERB
ajeer-199	213	2	normalization	normalization	NOUN
ajeer-199	213	3	(	(	PUNCT
ajeer-199	213	4	eq	eq	NOUN
ajeer-199	213	5	.	.	PROPN
ajeer-199	213	6	21	21	NUM
ajeer-199	213	7	)	)	PUNCT
ajeer-199	213	8	to	to	PART
ajeer-199	213	9	obtain	obtain	VERB
ajeer-199	213	10	the	the	DET
ajeer-199	213	11	weights	weight	NOUN
ajeer-199	213	12	for	for	ADP
ajeer-199	213	13	each	each	DET
ajeer-199	213	14	aspect	aspect	NOUN
ajeer-199	213	15	and	and	CCONJ
ajeer-199	213	16	indicator	indicator	NOUN
ajeer-199	213	17	.	.	PUNCT
ajeer-199	214	1	nwi	nwi	PROPN
ajeer-199	214	2	=	=	SYM
ajeer-199	214	3	dfij	dfij	PROPN
ajeer-199	214	4	nwi	nwi	PROPN
ajeer-199	214	5	(	(	PUNCT
ajeer-199	214	6	21	21	NUM
ajeer-199	214	7	)	)	PUNCT
ajeer-199	214	8	∑dfij	∑dfij	PROPN
ajeer-199	214	9	step	step	VERB
ajeer-199	214	10	8	8	NUM
ajeer-199	214	11	.	.	PUNCT
ajeer-199	215	1	perform	perform	VERB
ajeer-199	215	2	hierarchical	hierarchical	ADJ
ajeer-199	215	3	tandem	tandem	NOUN
ajeer-199	215	4	to	to	PART
ajeer-199	215	5	calculate	calculate	VERB
ajeer-199	215	6	the	the	DET
ajeer-199	215	7	global	global	ADJ
ajeer-199	215	8	weights	weight	NOUN
ajeer-199	215	9	of	of	ADP
ajeer-199	215	10	all	all	DET
ajeer-199	215	11	indicators	indicator	NOUN
ajeer-199	215	12	.	.	PUNCT
ajeer-199	216	1	4	4	X
ajeer-199	216	2	.	.	X
ajeer-199	216	3	empirical	empirical	ADJ
ajeer-199	216	4	results	result	NOUN
ajeer-199	216	5	4.1	4.1	NUM
ajeer-199	216	6	.	.	PUNCT
ajeer-199	217	1	the	the	DET
ajeer-199	217	2	consistency	consistency	NOUN
ajeer-199	217	3	test	test	NOUN
ajeer-199	217	4	we	we	PRON
ajeer-199	217	5	used	use	VERB
ajeer-199	217	6	the	the	DET
ajeer-199	217	7	consistency	consistency	NOUN
ajeer-199	217	8	ratio	ratio	NOUN
ajeer-199	217	9	(	(	PUNCT
ajeer-199	217	10	cr	cr	NOUN
ajeer-199	217	11	)	)	PUNCT
ajeer-199	217	12	to	to	PART
ajeer-199	217	13	assess	assess	VERB
ajeer-199	217	14	the	the	DET
ajeer-199	217	15	reliability	reliability	NOUN
ajeer-199	217	16	and	and	CCONJ
ajeer-199	217	17	credibility	credibility	NOUN
ajeer-199	217	18	of	of	ADP
ajeer-199	217	19	the	the	DET
ajeer-199	217	20	questionnaire	questionnaire	NOUN
ajeer-199	217	21	.	.	PUNCT
ajeer-199	218	1	when	when	SCONJ
ajeer-199	218	2	cr	cr	NOUN
ajeer-199	218	3	≦0.1	≦0.1	PROPN
ajeer-199	218	4	,	,	PUNCT
ajeer-199	218	5	it	it	PRON
ajeer-199	218	6	indicates	indicate	VERB
ajeer-199	218	7	that	that	SCONJ
ajeer-199	218	8	the	the	DET
ajeer-199	218	9	deviation	deviation	NOUN
ajeer-199	218	10	in	in	ADP
ajeer-199	218	11	the	the	DET
ajeer-199	218	12	respondents‟	respondents‟	ADJ
ajeer-199	218	13	estimation	estimation	NOUN
ajeer-199	218	14	of	of	ADP
ajeer-199	218	15	each	each	DET
ajeer-199	218	16	factor‟s	factor‟s	NOUN
ajeer-199	218	17	weight	weight	NOUN
ajeer-199	218	18	when	when	SCONJ
ajeer-199	218	19	constructing	construct	VERB
ajeer-199	218	20	the	the	DET
ajeer-199	218	21	pairedcomparison	pairedcomparison	NOUN
ajeer-199	218	22	matrix	matrix	NOUN
ajeer-199	218	23	was	be	AUX
ajeer-199	218	24	acceptable	acceptable	ADJ
ajeer-199	218	25	,	,	PUNCT
ajeer-199	218	26	verifying	verify	VERB
ajeer-199	218	27	the	the	DET
ajeer-199	218	28	consistency	consistency	NOUN
ajeer-199	218	29	.	.	PUNCT
ajeer-199	219	1	all	all	DET
ajeer-199	219	2	cr	cr	PROPN
ajeer-199	219	3	values	value	NOUN
ajeer-199	219	4	were	be	AUX
ajeer-199	219	5	lower	low	ADJ
ajeer-199	219	6	than	than	ADP
ajeer-199	219	7	0.1	0.1	NUM
ajeer-199	219	8	;	;	PUNCT
ajeer-199	219	9	therefore	therefore	ADV
ajeer-199	219	10	,	,	PUNCT
ajeer-199	219	11	all	all	DET
ajeer-199	219	12	the	the	DET
ajeer-199	219	13	judgments	judgment	NOUN
ajeer-199	219	14	are	be	AUX
ajeer-199	219	15	consistent	consistent	ADJ
ajeer-199	219	16	.	.	PUNCT
ajeer-199	220	1	this	this	DET
ajeer-199	220	2	result	result	NOUN
ajeer-199	220	3	demonstrated	demonstrate	VERB
ajeer-199	220	4	the	the	DET
ajeer-199	220	5	accuracy	accuracy	NOUN
ajeer-199	220	6	of	of	ADP
ajeer-199	220	7	the	the	DET
ajeer-199	220	8	results	result	NOUN
ajeer-199	220	9	of	of	ADP
ajeer-199	220	10	the	the	DET
ajeer-199	220	11	questionnaire	questionnaire	NOUN
ajeer-199	220	12	survey	survey	NOUN
ajeer-199	220	13	.	.	PUNCT
ajeer-199	221	1	4.2	4.2	NUM
ajeer-199	221	2	.	.	PUNCT
ajeer-199	221	3	weight	weight	NOUN
ajeer-199	221	4	calculation	calculation	NOUN
ajeer-199	221	5	results	result	VERB
ajeer-199	221	6	the	the	DET
ajeer-199	221	7	weights	weight	NOUN
ajeer-199	221	8	and	and	CCONJ
ajeer-199	221	9	sequences	sequence	NOUN
ajeer-199	221	10	for	for	ADP
ajeer-199	221	11	each	each	DET
ajeer-199	221	12	aspect	aspect	NOUN
ajeer-199	221	13	and	and	CCONJ
ajeer-199	221	14	indicator	indicator	NOUN
ajeer-199	221	15	obtained	obtain	VERB
ajeer-199	221	16	using	use	VERB
ajeer-199	221	17	the	the	DET
ajeer-199	221	18	column	column	NOUN
ajeer-199	221	19	geometric	geometric	ADJ
ajeer-199	221	20	mean	mean	NOUN
ajeer-199	221	21	method	method	NOUN
ajeer-199	221	22	(	(	PUNCT
ajeer-199	221	23	buckley‟s	buckley‟s	NOUN
ajeer-199	221	24	method	method	NOUN
ajeer-199	221	25	)	)	PUNCT
ajeer-199	221	26	are	be	AUX
ajeer-199	221	27	shown	show	VERB
ajeer-199	221	28	in	in	ADP
ajeer-199	221	29	table	table	NOUN
ajeer-199	221	30	3	3	NUM
ajeer-199	221	31	.	.	PUNCT
ajeer-199	222	1	the	the	DET
ajeer-199	222	2	weights	weight	NOUN
ajeer-199	222	3	and	and	CCONJ
ajeer-199	222	4	sequences	sequence	NOUN
ajeer-199	222	5	for	for	ADP
ajeer-199	222	6	each	each	DET
ajeer-199	222	7	aspect	aspect	NOUN
ajeer-199	222	8	and	and	CCONJ
ajeer-199	222	9	indicator	indicator	NOUN
ajeer-199	222	10	obtained	obtain	VERB
ajeer-199	222	11	using	use	VERB
ajeer-199	222	12	the	the	DET
ajeer-199	222	13	extant	extant	ADJ
ajeer-199	222	14	analysis	analysis	NOUN
ajeer-199	222	15	method	method	NOUN
ajeer-199	222	16	(	(	PUNCT
ajeer-199	222	17	chang‟s	chang‟s	NOUN
ajeer-199	222	18	method	method	NOUN
ajeer-199	222	19	)	)	PUNCT
ajeer-199	222	20	are	be	AUX
ajeer-199	222	21	shown	show	VERB
ajeer-199	222	22	in	in	ADP
ajeer-199	222	23	table	table	NOUN
ajeer-199	222	24	4	4	NUM
ajeer-199	222	25	.	.	PUNCT
ajeer-199	222	26	tables	table	NOUN
ajeer-199	222	27	3	3	NUM
ajeer-199	222	28	and	and	CCONJ
ajeer-199	222	29	4	4	NUM
ajeer-199	222	30	indicate	indicate	VERB
ajeer-199	222	31	that	that	SCONJ
ajeer-199	222	32	using	use	VERB
ajeer-199	222	33	either	either	CCONJ
ajeer-199	222	34	buckley‟s	buckley‟s	ADJ
ajeer-199	222	35	method	method	NOUN
ajeer-199	222	36	or	or	CCONJ
ajeer-199	222	37	chang‟s	chang‟s	NOUN
ajeer-199	222	38	method	method	NOUN
ajeer-199	222	39	,	,	PUNCT
ajeer-199	222	40	the	the	DET
ajeer-199	222	41	items	item	NOUN
ajeer-199	222	42	households	household	NOUN
ajeer-199	222	43	considered	consider	VERB
ajeer-199	222	44	the	the	DET
ajeer-199	222	45	most	most	ADJ
ajeer-199	222	46	or	or	CCONJ
ajeer-199	222	47	were	be	AUX
ajeer-199	222	48	concerned	concern	VERB
ajeer-199	222	49	with	with	ADP
ajeer-199	222	50	when	when	SCONJ
ajeer-199	222	51	opting	opt	VERB
ajeer-199	222	52	for	for	ADP
ajeer-199	222	53	a	a	DET
ajeer-199	222	54	mortgage	mortgage	NOUN
ajeer-199	222	55	loan	loan	NOUN
ajeer-199	222	56	within	within	ADP
ajeer-199	222	57	selection	selection	NOUN
ajeer-199	222	58	assessment	assessment	NOUN
ajeer-199	222	59	aspects	aspect	NOUN
ajeer-199	222	60	were	be	AUX
ajeer-199	222	61	,	,	PUNCT
ajeer-199	222	62	in	in	ADP
ajeer-199	222	63	sequential	sequential	ADJ
ajeer-199	222	64	order	order	NOUN
ajeer-199	222	65	,	,	PUNCT
ajeer-199	222	66	were	be	AUX
ajeer-199	222	67	,	,	PUNCT
ajeer-199	222	68	"	"	PUNCT
ajeer-199	222	69	employment	employment	NOUN
ajeer-199	222	70	"	"	PUNCT
ajeer-199	222	71	,	,	PUNCT
ajeer-199	222	72	"	"	PUNCT
ajeer-199	222	73	housing	housing	NOUN
ajeer-199	222	74	market	market	NOUN
ajeer-199	222	75	conditions	condition	NOUN
ajeer-199	222	76	"	"	PUNCT
ajeer-199	222	77	,	,	PUNCT
ajeer-199	222	78	"	"	PUNCT
ajeer-199	222	79	personal	personal	ADJ
ajeer-199	222	80	factors	factor	NOUN
ajeer-199	222	81	"	"	PUNCT
ajeer-199	222	82	,	,	PUNCT
ajeer-199	222	83	"	"	PUNCT
ajeer-199	222	84	economic	economic	ADJ
ajeer-199	222	85	factors	factor	NOUN
ajeer-199	222	86	"	"	PUNCT
ajeer-199	222	87	,	,	PUNCT
ajeer-199	222	88	"	"	PUNCT
ajeer-199	222	89	mortgage	mortgage	NOUN
ajeer-199	222	90	lender	lender	NOUN
ajeer-199	222	91	policy	policy	NOUN
ajeer-199	222	92	"	"	PUNCT
ajeer-199	222	93	,	,	PUNCT
ajeer-199	222	94	"	"	PUNCT
ajeer-199	222	95	housing	housing	NOUN
ajeer-199	222	96	alternatives	alternative	NOUN
ajeer-199	222	97	"	"	PUNCT
ajeer-199	222	98	,	,	PUNCT
ajeer-199	222	99	"	"	PUNCT
ajeer-199	222	100	knowledge	knowledge	NOUN
ajeer-199	222	101	"	"	PUNCT
ajeer-199	222	102	,	,	PUNCT
ajeer-199	222	103	and	and	CCONJ
ajeer-199	222	104	"	"	PUNCT
ajeer-199	222	105	social	social	ADJ
ajeer-199	222	106	factors	factor	NOUN
ajeer-199	222	107	"	"	PUNCT
ajeer-199	222	108	.	.	PUNCT
ajeer-199	223	1	within	within	ADP
ajeer-199	223	2	the	the	DET
ajeer-199	223	3	"	"	PUNCT
ajeer-199	223	4	employment	employment	NOUN
ajeer-199	223	5	"	"	PUNCT
ajeer-199	223	6	aspect	aspect	NOUN
ajeer-199	223	7	,	,	PUNCT
ajeer-199	223	8	households	household	NOUN
ajeer-199	223	9	were	be	AUX
ajeer-199	223	10	most	most	ADV
ajeer-199	223	11	concerned	concerned	ADJ
ajeer-199	223	12	with	with	ADP
ajeer-199	223	13	job	job	NOUN
ajeer-199	223	14	security	security	NOUN
ajeer-199	223	15	.	.	PUNCT
ajeer-199	224	1	within	within	ADP
ajeer-199	224	2	the	the	DET
ajeer-199	224	3	“	"	PUNCT
ajeer-199	224	4	housing	housing	NOUN
ajeer-199	224	5	market	market	NOUN
ajeer-199	224	6	conditions	condition	NOUN
ajeer-199	224	7	"	"	PUNCT
ajeer-199	224	8	aspect	aspect	NOUN
ajeer-199	224	9	,	,	PUNCT
ajeer-199	224	10	house	house	NOUN
ajeer-199	224	11	prices	price	NOUN
ajeer-199	224	12	was	be	AUX
ajeer-199	224	13	the	the	DET
ajeer-199	224	14	most	most	ADV
ajeer-199	224	15	important	important	ADJ
ajeer-199	224	16	for	for	ADP
ajeer-199	224	17	households	household	NOUN
ajeer-199	224	18	.	.	PUNCT
ajeer-199	225	1	within	within	ADP
ajeer-199	225	2	the	the	DET
ajeer-199	225	3	"	"	PUNCT
ajeer-199	225	4	personal	personal	ADJ
ajeer-199	225	5	factors	factor	NOUN
ajeer-199	225	6	"	"	PUNCT
ajeer-199	225	7	aspect	aspect	NOUN
ajeer-199	225	8	,	,	PUNCT
ajeer-199	225	9	households	household	NOUN
ajeer-199	225	10	were	be	AUX
ajeer-199	225	11	most	most	ADV
ajeer-199	225	12	concerned	concerned	ADJ
ajeer-199	225	13	with	with	ADP
ajeer-199	225	14	savings	saving	NOUN
ajeer-199	225	15	.	.	PUNCT
ajeer-199	226	1	within	within	ADP
ajeer-199	226	2	the	the	DET
ajeer-199	226	3	"	"	PUNCT
ajeer-199	226	4	economics	economic	NOUN
ajeer-199	226	5	factors	factor	NOUN
ajeer-199	226	6	"	"	PUNCT
ajeer-199	226	7	aspect	aspect	NOUN
ajeer-199	226	8	,	,	PUNCT
ajeer-199	226	9	households	household	NOUN
ajeer-199	226	10	were	be	AUX
ajeer-199	226	11	most	most	ADV
ajeer-199	226	12	concerned	concerned	ADJ
ajeer-199	226	13	with	with	ADP
ajeer-199	226	14	interest	interest	NOUN
ajeer-199	226	15	rates	rate	NOUN
ajeer-199	226	16	.	.	PUNCT
ajeer-199	227	1	within	within	ADP
ajeer-199	227	2	the	the	DET
ajeer-199	227	3	"	"	PUNCT
ajeer-199	227	4	mortgage	mortgage	NOUN
ajeer-199	227	5	lender	lender	NOUN
ajeer-199	227	6	policy	policy	NOUN
ajeer-199	227	7	"	"	PUNCT
ajeer-199	227	8	aspect	aspect	NOUN
ajeer-199	227	9	,	,	PUNCT
ajeer-199	227	10	households	household	NOUN
ajeer-199	227	11	were	be	AUX
ajeer-199	227	12	most	most	ADV
ajeer-199	227	13	concerned	concerned	ADJ
ajeer-199	227	14	with	with	ADP
ajeer-199	227	15	the	the	DET
ajeer-199	227	16	payment	payment	NOUN
ajeer-199	227	17	terms	term	NOUN
ajeer-199	227	18	.	.	PUNCT
ajeer-199	228	1	within	within	ADP
ajeer-199	228	2	the	the	DET
ajeer-199	228	3	"	"	PUNCT
ajeer-199	228	4	housing	housing	NOUN
ajeer-199	228	5	alternatives	alternative	NOUN
ajeer-199	228	6	"	"	PUNCT
ajeer-199	228	7	aspect	aspect	NOUN
ajeer-199	228	8	,	,	PUNCT
ajeer-199	228	9	households	household	NOUN
ajeer-199	228	10	considered	consider	VERB
ajeer-199	228	11	to	to	PART
ajeer-199	228	12	build	build	VERB
ajeer-199	228	13	.	.	PUNCT
ajeer-199	229	1	within	within	ADP
ajeer-199	229	2	the	the	DET
ajeer-199	229	3	"	"	PUNCT
ajeer-199	229	4	knowledge	knowledge	NOUN
ajeer-199	229	5	"	"	PUNCT
ajeer-199	229	6	aspect	aspect	NOUN
ajeer-199	229	7	,	,	PUNCT
ajeer-199	229	8	financial	financial	ADJ
ajeer-199	229	9	literacy	literacy	NOUN
ajeer-199	229	10	was	be	AUX
ajeer-199	229	11	the	the	DET
ajeer-199	229	12	most	most	ADV
ajeer-199	229	13	important	important	ADJ
ajeer-199	229	14	to	to	ADP
ajeer-199	229	15	households	household	NOUN
ajeer-199	229	16	.	.	PUNCT
ajeer-199	230	1	within	within	ADP
ajeer-199	230	2	the	the	DET
ajeer-199	230	3	"	"	PUNCT
ajeer-199	230	4	social	social	ADJ
ajeer-199	230	5	factors	factor	NOUN
ajeer-199	230	6	"	"	PUNCT
ajeer-199	230	7	aspect	aspect	NOUN
ajeer-199	230	8	,	,	PUNCT
ajeer-199	230	9	status	status	NOUN
ajeer-199	230	10	was	be	AUX
ajeer-199	230	11	the	the	DET
ajeer-199	230	12	most	most	ADV
ajeer-199	230	13	important	important	ADJ
ajeer-199	230	14	indicator	indicator	NOUN
ajeer-199	230	15	considered	consider	VERB
ajeer-199	230	16	by	by	ADP
ajeer-199	230	17	households	household	NOUN
ajeer-199	230	18	when	when	SCONJ
ajeer-199	230	19	deciding	decide	VERB
ajeer-199	230	20	to	to	PART
ajeer-199	230	21	opt	opt	VERB
ajeer-199	230	22	for	for	ADP
ajeer-199	230	23	a	a	DET
ajeer-199	230	24	mortgage	mortgage	NOUN
ajeer-199	230	25	loan	loan	NOUN
ajeer-199	230	26	.	.	PUNCT
ajeer-199	231	1	table-3	table-3	NUM
ajeer-199	231	2	.	.	PUNCT
ajeer-199	232	1	local	local	ADJ
ajeer-199	232	2	weight	weight	NOUN
ajeer-199	232	3	and	and	CCONJ
ajeer-199	232	4	global	global	ADJ
ajeer-199	232	5	weight	weight	NOUN
ajeer-199	232	6	for	for	ADP
ajeer-199	232	7	each	each	DET
ajeer-199	232	8	criterion	criterion	NOUN
ajeer-199	232	9	(	(	PUNCT
ajeer-199	232	10	buckley‟s	buckley‟s	NOUN
ajeer-199	232	11	method	method	NOUN
ajeer-199	232	12	)	)	PUNCT
ajeer-199	233	1	aspecta	aspecta	PROPN
ajeer-199	233	2	local	local	ADJ
ajeer-199	233	3	weightsb	weightsb	NOUN
ajeer-199	233	4	ranking	rank	VERB
ajeer-199	233	5	indicatora	indicatora	PROPN
ajeer-199	233	6	local	local	ADJ
ajeer-199	233	7	weightsb	weightsb	NOUN
ajeer-199	233	8	ranking	rank	VERB
ajeer-199	233	9	global	global	ADJ
ajeer-199	233	10	weightsc	weightsc	NOUN
ajeer-199	233	11	ranking	rank	VERB
ajeer-199	233	12	f1	f1	NOUN
ajeer-199	233	13	0.185	0.185	NUM
ajeer-199	233	14	3	3	NUM
ajeer-199	233	15	f1	f1	NOUN
ajeer-199	233	16	-	-	PUNCT
ajeer-199	233	17	1	1	NUM
ajeer-199	233	18	f1	f1	NOUN
ajeer-199	233	19	-	-	PUNCT
ajeer-199	233	20	2	2	NUM
ajeer-199	233	21	f1	f1	NOUN
ajeer-199	233	22	-	-	PUNCT
ajeer-199	233	23	3	3	NUM
ajeer-199	233	24	f2	f2	NOUN
ajeer-199	233	25	-	-	PUNCT
ajeer-199	233	26	4	4	NUM
ajeer-199	233	27	0.124	0.124	NUM
ajeer-199	233	28	0.373	0.373	NUM
ajeer-199	233	29	0.400	0.400	NUM
ajeer-199	233	30	0.168	0.168	NUM
ajeer-199	233	31	4	4	NUM
ajeer-199	233	32	2	2	NUM
ajeer-199	233	33	1	1	NUM
ajeer-199	233	34	3	3	NUM
ajeer-199	233	35	0.023	0.023	NUM
ajeer-199	233	36	0.069	0.069	NUM
ajeer-199	233	37	0.074	0.074	NUM
ajeer-199	233	38	0.031	0.031	NUM
ajeer-199	233	39	22	22	NUM
ajeer-199	233	40	5	5	NUM
ajeer-199	233	41	3	3	NUM
ajeer-199	233	42	15	15	NUM
ajeer-199	233	43	f2	f2	PROPN
ajeer-199	233	44	0.055	0.055	NUM
ajeer-199	233	45	8	8	NUM
ajeer-199	233	46	f2	f2	NOUN
ajeer-199	233	47	-	-	PUNCT
ajeer-199	233	48	1	1	NUM
ajeer-199	233	49	f2	f2	NOUN
ajeer-199	233	50	-	-	PUNCT
ajeer-199	233	51	2	2	NUM
ajeer-199	233	52	f2	f2	NOUN
ajeer-199	233	53	-	-	SYM
ajeer-199	233	54	3	3	NUM
ajeer-199	233	55	0.400	0.400	NUM
ajeer-199	233	56	0.218	0.218	NUM
ajeer-199	233	57	0.273	0.273	NUM
ajeer-199	233	58	1	1	NUM
ajeer-199	233	59	3	3	NUM
ajeer-199	233	60	2	2	NUM
ajeer-199	233	61	0.022	0.022	NUM
ajeer-199	233	62	0.012	0.012	NUM
ajeer-199	233	63	0.015	0.015	NUM
ajeer-199	233	64	23	23	NUM
ajeer-199	233	65	28	28	NUM
ajeer-199	233	66	27	27	NUM
ajeer-199	233	67	f3	f3	ADJ
ajeer-199	233	68	0.0979	0.0979	NUM
ajeer-199	233	69	4	4	NUM
ajeer-199	233	70	f3	f3	ADJ
ajeer-199	233	71	-	-	PUNCT
ajeer-199	233	72	1	1	NUM
ajeer-199	233	73	f3	f3	ADJ
ajeer-199	233	74	-	-	PUNCT
ajeer-199	233	75	2	2	NUM
ajeer-199	233	76	f3	f3	NOUN
ajeer-199	233	77	-	-	PUNCT
ajeer-199	233	78	3	3	NUM
ajeer-199	233	79	0.174	0.174	NUM
ajeer-199	233	80	0.664	0.664	NUM
ajeer-199	233	81	0.286	0.286	NUM
ajeer-199	233	82	3	3	NUM
ajeer-199	233	83	1	1	NUM
ajeer-199	233	84	2	2	NUM
ajeer-199	233	85	0.017	0.017	NUM
ajeer-199	233	86	0.065	0.065	NUM
ajeer-199	233	87	0.028	0.028	NUM
ajeer-199	233	88	26	26	NUM
ajeer-199	233	89	6	6	NUM
ajeer-199	233	90	16	16	NUM
ajeer-199	233	91	f4	f4	NUM
ajeer-199	233	92	0.254	0.254	NUM
ajeer-199	233	93	1	1	NUM
ajeer-199	233	94	f4	f4	NUM
ajeer-199	233	95	-	-	PUNCT
ajeer-199	233	96	1	1	NUM
ajeer-199	233	97	f4	f4	NUM
ajeer-199	233	98	-	-	PUNCT
ajeer-199	233	99	2	2	NUM
ajeer-199	233	100	f4	f4	NUM
ajeer-199	233	101	-	-	PUNCT
ajeer-199	233	102	3	3	NUM
ajeer-199	233	103	f4	f4	PROPN
ajeer-199	233	104	-	-	PUNCT
ajeer-199	233	105	4	4	NUM
ajeer-199	233	106	0.138	0.138	NUM
ajeer-199	233	107	0.350	0.350	NUM
ajeer-199	233	108	0.280	0.280	NUM
ajeer-199	233	109	0.193	0.193	NUM
ajeer-199	233	110	3	3	NUM
ajeer-199	233	111	1	1	NUM
ajeer-199	233	112	2	2	NUM
ajeer-199	233	113	4	4	NUM
ajeer-199	233	114	0.071	0.071	NUM
ajeer-199	233	115	0.089	0.089	NUM
ajeer-199	233	116	0.035	0.035	NUM
ajeer-199	233	117	0.049	0.049	NUM
ajeer-199	233	118	4	4	NUM
ajeer-199	233	119	1	1	NUM
ajeer-199	233	120	14	14	NUM
ajeer-199	233	121	9	9	NUM
ajeer-199	233	122	f5	f5	NOUN
ajeer-199	233	123	0.173	0.173	NUM
ajeer-199	233	124	2	2	NUM
ajeer-199	233	125	f5	f5	NOUN
ajeer-199	233	126	-	-	PUNCT
ajeer-199	233	127	1	1	NUM
ajeer-199	233	128	f5	f5	NOUN
ajeer-199	233	129	-	-	PUNCT
ajeer-199	233	130	2	2	NUM
ajeer-199	233	131	f5	f5	NOUN
ajeer-199	233	132	-	-	PUNCT
ajeer-199	233	133	3	3	NUM
ajeer-199	233	134	0.439	0.439	NUM
ajeer-199	233	135	0.220	0.220	NUM
ajeer-199	233	136	0.150	0.150	NUM
ajeer-199	233	137	1	1	NUM
ajeer-199	233	138	2	2	NUM
ajeer-199	233	139	3	3	NUM
ajeer-199	233	140	0.076	0.076	NUM
ajeer-199	233	141	0.038	0.038	NUM
ajeer-199	233	142	0.026	0.026	NUM
ajeer-199	233	143	2	2	NUM
ajeer-199	233	144	11	11	NUM
ajeer-199	233	145	17	17	NUM
ajeer-199	233	146	f6	f6	PROPN
ajeer-199	233	147	0.0974	0.0974	NUM
ajeer-199	233	148	5	5	NUM
ajeer-199	233	149	f6	f6	NUM
ajeer-199	233	150	-	-	PUNCT
ajeer-199	233	151	1	1	NUM
ajeer-199	233	152	f6	f6	NUM
ajeer-199	233	153	-	-	PUNCT
ajeer-199	233	154	2	2	NUM
ajeer-199	233	155	f6	f6	NUM
ajeer-199	233	156	-	-	PUNCT
ajeer-199	233	157	3	3	NUM
ajeer-199	233	158	f6	f6	NUM
ajeer-199	233	159	-	-	PUNCT
ajeer-199	233	160	4	4	NUM
ajeer-199	233	161	f6	f6	NUM
ajeer-199	233	162	-	-	PUNCT
ajeer-199	233	163	5	5	NUM
ajeer-199	233	164	0.595	0.595	NUM
ajeer-199	233	165	0.257	0.257	NUM
ajeer-199	233	166	0.452	0.452	NUM
ajeer-199	233	167	0.380	0.380	NUM
ajeer-199	233	168	0.544	0.544	NUM
ajeer-199	233	169	1	1	NUM
ajeer-199	233	170	5	5	NUM
ajeer-199	233	171	3	3	NUM
ajeer-199	233	172	4	4	NUM
ajeer-199	233	173	2	2	NUM
ajeer-199	233	174	0.058	0.058	NUM
ajeer-199	233	175	0.025	0.025	NUM
ajeer-199	233	176	0.044	0.044	NUM
ajeer-199	233	177	0.037	0.037	NUM
ajeer-199	233	178	0.053	0.053	NUM
ajeer-199	233	179	7	7	NUM
ajeer-199	233	180	19	19	NUM
ajeer-199	233	181	10	10	NUM
ajeer-199	233	182	13	13	NUM
ajeer-199	233	183	8	8	NUM
ajeer-199	233	184	f7	f7	PROPN
ajeer-199	233	185	0.0780	0.0780	NUM
ajeer-199	233	186	6	6	NUM
ajeer-199	233	187	f7	f7	PROPN
ajeer-199	233	188	-	-	PUNCT
ajeer-199	233	189	1	1	NUM
ajeer-199	233	190	f7	f7	PROPN
ajeer-199	233	191	-	-	PUNCT
ajeer-199	233	192	2	2	NUM
ajeer-199	233	193	f7	f7	PROPN
ajeer-199	233	194	-	-	PUNCT
ajeer-199	233	195	3	3	NUM
ajeer-199	233	196	0.295	0.295	NUM
ajeer-199	233	197	0.526	0.526	NUM
ajeer-199	233	198	0.269	0.269	NUM
ajeer-199	233	199	2	2	NUM
ajeer-199	233	200	1	1	NUM
ajeer-199	233	201	3	3	NUM
ajeer-199	233	202	0.023	0.023	NUM
ajeer-199	233	203	0.041	0.041	NUM
ajeer-199	233	204	0.021	0.021	NUM
ajeer-199	233	205	21	21	NUM
ajeer-199	233	206	12	12	NUM
ajeer-199	233	207	24	24	NUM
ajeer-199	233	208	f8	f8	PROPN
ajeer-199	233	209	0.0597	0.0597	NUM
ajeer-199	233	210	7	7	NUM
ajeer-199	233	211	f8	f8	PROPN
ajeer-199	233	212	-	-	PUNCT
ajeer-199	233	213	1	1	NUM
ajeer-199	233	214	f8	f8	PROPN
ajeer-199	233	215	-	-	PUNCT
ajeer-199	233	216	2	2	NUM
ajeer-199	233	217	f8	f8	PROPN
ajeer-199	233	218	-	-	PUNCT
ajeer-199	233	219	3	3	NUM
ajeer-199	233	220	0.402	0.402	NUM
ajeer-199	233	221	0.436	0.436	NUM
ajeer-199	233	222	0.302	0.302	NUM
ajeer-199	233	223	2	2	NUM
ajeer-199	233	224	1	1	NUM
ajeer-199	233	225	3	3	NUM
ajeer-199	233	226	0.024	0.024	NUM
ajeer-199	233	227	0.026	0.026	NUM
ajeer-199	233	228	0.018	0.018	NUM
ajeer-199	233	229	20	20	NUM
ajeer-199	233	230	18	18	NUM
ajeer-199	233	231	25	25	NUM
ajeer-199	233	232	a.	a.	NOUN
ajeer-199	233	233	for	for	ADP
ajeer-199	233	234	an	an	DET
ajeer-199	233	235	explanation	explanation	NOUN
ajeer-199	233	236	of	of	ADP
ajeer-199	233	237	the	the	DET
ajeer-199	233	238	codes	code	NOUN
ajeer-199	233	239	,	,	PUNCT
ajeer-199	233	240	please	please	INTJ
ajeer-199	233	241	refer	refer	VERB
ajeer-199	233	242	to	to	ADP
ajeer-199	233	243	fig	fig	NOUN
ajeer-199	233	244	.	.	PUNCT
ajeer-199	234	1	1	1	X
ajeer-199	234	2	.	.	X
ajeer-199	234	3	b.	b.	PROPN
ajeer-199	234	4	local	local	ADJ
ajeer-199	234	5	weight	weight	NOUN
ajeer-199	234	6	is	be	AUX
ajeer-199	234	7	determined	determine	VERB
ajeer-199	234	8	based	base	VERB
ajeer-199	234	9	on	on	ADP
ajeer-199	234	10	judgments	judgment	NOUN
ajeer-199	234	11	of	of	ADP
ajeer-199	234	12	a	a	DET
ajeer-199	234	13	single	single	ADJ
ajeer-199	234	14	criterion	criterion	NOUN
ajeer-199	234	15	.	.	PUNCT
ajeer-199	235	1	c.	c.	PROPN
ajeer-199	235	2	global	global	ADJ
ajeer-199	235	3	weight	weight	PROPN
ajeer-199	235	4	is	be	AUX
ajeer-199	235	5	determined	determine	VERB
ajeer-199	235	6	by	by	ADP
ajeer-199	235	7	multiplying	multiply	VERB
ajeer-199	235	8	the	the	DET
ajeer-199	235	9	weight	weight	NOUN
ajeer-199	235	10	of	of	ADP
ajeer-199	235	11	the	the	DET
ajeer-199	235	12	criteria	criterion	NOUN
ajeer-199	235	13	.	.	PUNCT
ajeer-199	236	1	asian	asian	ADJ
ajeer-199	236	2	journal	journal	PROPN
ajeer-199	236	3	of	of	ADP
ajeer-199	236	4	economics	economic	NOUN
ajeer-199	236	5	and	and	CCONJ
ajeer-199	236	6	empirical	empirical	ADJ
ajeer-199	236	7	research	research	NOUN
ajeer-199	236	8	,	,	PUNCT
ajeer-199	236	9	2015	2015	NUM
ajeer-199	236	10	,	,	PUNCT
ajeer-199	236	11	2(2	2(2	NUM
ajeer-199	236	12	):	):	PUNCT
ajeer-199	236	13	52	52	NUM
ajeer-199	236	14	-	-	SYM
ajeer-199	236	15	61	61	NUM
ajeer-199	236	16	59	59	NUM
ajeer-199	236	17	partial	partial	ADJ
ajeer-199	236	18	differences	difference	NOUN
ajeer-199	236	19	were	be	AUX
ajeer-199	236	20	observed	observe	VERB
ajeer-199	236	21	for	for	ADP
ajeer-199	236	22	the	the	DET
ajeer-199	236	23	sequence	sequence	NOUN
ajeer-199	236	24	results	result	NOUN
ajeer-199	236	25	obtained	obtain	VERB
ajeer-199	236	26	using	use	VERB
ajeer-199	236	27	buckley‟s	buckley‟s	ADJ
ajeer-199	236	28	method	method	NOUN
ajeer-199	236	29	and	and	CCONJ
ajeer-199	236	30	chang‟s	chang‟s	NOUN
ajeer-199	236	31	method	method	NOUN
ajeer-199	236	32	in	in	ADP
ajeer-199	236	33	the	the	DET
ajeer-199	236	34	weight	weight	NOUN
ajeer-199	236	35	sequences	sequence	NOUN
ajeer-199	236	36	for	for	ADP
ajeer-199	236	37	the	the	DET
ajeer-199	236	38	indicators	indicator	NOUN
ajeer-199	236	39	within	within	ADP
ajeer-199	236	40	the	the	DET
ajeer-199	236	41	aspects	aspect	NOUN
ajeer-199	236	42	of	of	ADP
ajeer-199	236	43	"	"	PUNCT
ajeer-199	236	44	housing	housing	NOUN
ajeer-199	236	45	market	market	NOUN
ajeer-199	236	46	conditions	condition	NOUN
ajeer-199	236	47	(	(	PUNCT
ajeer-199	236	48	f5	f5	NOUN
ajeer-199	236	49	)	)	PUNCT
ajeer-199	236	50	"	"	PUNCT
ajeer-199	236	51	,	,	PUNCT
ajeer-199	236	52	"	"	PUNCT
ajeer-199	236	53	mortgage	mortgage	NOUN
ajeer-199	236	54	lender	lender	NOUN
ajeer-199	236	55	policy	policy	NOUN
ajeer-199	236	56	(	(	PUNCT
ajeer-199	236	57	f6	f6	PROPN
ajeer-199	236	58	)	)	PUNCT
ajeer-199	236	59	"	"	PUNCT
ajeer-199	236	60	,	,	PUNCT
ajeer-199	236	61	and	and	CCONJ
ajeer-199	236	62	"	"	PUNCT
ajeer-199	236	63	knowledge	knowledge	NOUN
ajeer-199	236	64	(	(	PUNCT
ajeer-199	236	65	f8	f8	PROPN
ajeer-199	236	66	)	)	PUNCT
ajeer-199	236	67	"	"	PUNCT
ajeer-199	236	68	.	.	PUNCT
ajeer-199	237	1	the	the	DET
ajeer-199	237	2	rankings	ranking	NOUN
ajeer-199	237	3	(	(	PUNCT
ajeer-199	237	4	f5	f5	NOUN
ajeer-199	237	5	)	)	PUNCT
ajeer-199	237	6	of	of	ADP
ajeer-199	237	7	the	the	DET
ajeer-199	237	8	two	two	NUM
ajeer-199	237	9	methods	method	NOUN
ajeer-199	237	10	for	for	ADP
ajeer-199	237	11	housing	housing	NOUN
ajeer-199	237	12	market	market	NOUN
ajeer-199	237	13	conditions	condition	NOUN
ajeer-199	237	14	(	(	PUNCT
ajeer-199	237	15	f5	f5	NOUN
ajeer-199	237	16	-	-	PUNCT
ajeer-199	237	17	1	1	NUM
ajeer-199	237	18	)	)	PUNCT
ajeer-199	237	19	,	,	PUNCT
ajeer-199	237	20	house	house	NOUN
ajeer-199	237	21	prices	price	NOUN
ajeer-199	237	22	(	(	PUNCT
ajeer-199	237	23	f5	f5	NOUN
ajeer-199	237	24	-	-	PUNCT
ajeer-199	237	25	2	2	NUM
ajeer-199	237	26	)	)	PUNCT
ajeer-199	237	27	,	,	PUNCT
ajeer-199	237	28	availability	availability	NOUN
ajeer-199	237	29	of	of	ADP
ajeer-199	237	30	mortgages	mortgage	NOUN
ajeer-199	237	31	(	(	PUNCT
ajeer-199	237	32	f4	f4	NOUN
ajeer-199	237	33	-	-	PUNCT
ajeer-199	237	34	3	3	NUM
ajeer-199	237	35	)	)	PUNCT
ajeer-199	237	36	and	and	CCONJ
ajeer-199	237	37	loan	loan	NOUN
ajeer-199	237	38	-	-	PUNCT
ajeer-199	237	39	to	to	ADP
ajeer-199	237	40	-	-	PUNCT
ajeer-199	237	41	value	value	NOUN
ajeer-199	237	42	were	be	AUX
ajeer-199	237	43	1	1	NUM
ajeer-199	237	44	-	-	SYM
ajeer-199	237	45	2	2	NUM
ajeer-199	237	46	-	-	SYM
ajeer-199	237	47	3	3	NUM
ajeer-199	237	48	(	(	PUNCT
ajeer-199	237	49	buckley‟s	buckley‟s	NOUN
ajeer-199	237	50	method	method	NOUN
ajeer-199	237	51	)	)	PUNCT
ajeer-199	237	52	and	and	CCONJ
ajeer-199	237	53	1	1	NUM
ajeer-199	237	54	-	-	SYM
ajeer-199	237	55	3	3	NUM
ajeer-199	237	56	-	-	SYM
ajeer-199	237	57	2	2	NUM
ajeer-199	237	58	(	(	PUNCT
ajeer-199	237	59	chang‟s	chang‟s	NOUN
ajeer-199	237	60	method	method	NOUN
ajeer-199	237	61	)	)	PUNCT
ajeer-199	237	62	.	.	PUNCT
ajeer-199	238	1	the	the	DET
ajeer-199	238	2	rankings	ranking	NOUN
ajeer-199	238	3	(	(	PUNCT
ajeer-199	238	4	f6	f6	PROPN
ajeer-199	238	5	)	)	PUNCT
ajeer-199	238	6	of	of	ADP
ajeer-199	238	7	the	the	DET
ajeer-199	238	8	two	two	NUM
ajeer-199	238	9	methods	method	NOUN
ajeer-199	238	10	for	for	ADP
ajeer-199	238	11	payment	payment	NOUN
ajeer-199	238	12	terms	term	NOUN
ajeer-199	238	13	(	(	PUNCT
ajeer-199	238	14	f6	f6	PROPN
ajeer-199	238	15	-	-	PUNCT
ajeer-199	238	16	1	1	NUM
ajeer-199	238	17	)	)	PUNCT
ajeer-199	238	18	,	,	PUNCT
ajeer-199	238	19	credit	credit	NOUN
ajeer-199	238	20	rating	rating	NOUN
ajeer-199	238	21	(	(	PUNCT
ajeer-199	238	22	f6	f6	PROPN
ajeer-199	238	23	-	-	PUNCT
ajeer-199	238	24	2	2	NUM
ajeer-199	238	25	)	)	PUNCT
ajeer-199	238	26	,	,	PUNCT
ajeer-199	238	27	second	second	ADJ
ajeer-199	238	28	loan	loan	NOUN
ajeer-199	238	29	(	(	PUNCT
ajeer-199	238	30	f6	f6	PROPN
ajeer-199	238	31	-	-	PUNCT
ajeer-199	238	32	3	3	NUM
ajeer-199	238	33	)	)	PUNCT
ajeer-199	238	34	,	,	PUNCT
ajeer-199	238	35	refinance	refinance	NOUN
ajeer-199	238	36	(	(	PUNCT
ajeer-199	238	37	f6	f6	PROPN
ajeer-199	238	38	-	-	PUNCT
ajeer-199	238	39	4	4	NUM
ajeer-199	238	40	)	)	PUNCT
ajeer-199	238	41	and	and	CCONJ
ajeer-199	238	42	default	default	NOUN
ajeer-199	238	43	(	(	PUNCT
ajeer-199	238	44	f6	f6	PROPN
ajeer-199	238	45	-	-	PUNCT
ajeer-199	238	46	5	5	NUM
ajeer-199	238	47	)	)	PUNCT
ajeer-199	238	48	were	be	AUX
ajeer-199	238	49	1	1	NUM
ajeer-199	238	50	-	-	SYM
ajeer-199	238	51	5	5	NUM
ajeer-199	238	52	-	-	PUNCT
ajeer-199	238	53	3	3	NUM
ajeer-199	238	54	-	-	PUNCT
ajeer-199	238	55	4	4	NUM
ajeer-199	238	56	-	-	SYM
ajeer-199	238	57	2	2	NUM
ajeer-199	238	58	(	(	PUNCT
ajeer-199	238	59	buckley‟s	buckley‟s	NOUN
ajeer-199	238	60	method	method	NOUN
ajeer-199	238	61	)	)	PUNCT
ajeer-199	238	62	and	and	CCONJ
ajeer-199	238	63	1	1	NUM
ajeer-199	238	64	-	-	SYM
ajeer-199	238	65	4	4	NUM
ajeer-199	238	66	-	-	PUNCT
ajeer-199	238	67	3	3	NUM
ajeer-199	238	68	-	-	SYM
ajeer-199	238	69	5	5	NUM
ajeer-199	238	70	-	-	SYM
ajeer-199	238	71	2	2	NUM
ajeer-199	238	72	(	(	PUNCT
ajeer-199	238	73	chang‟s	chang‟s	NOUN
ajeer-199	238	74	method	method	NOUN
ajeer-199	238	75	)	)	PUNCT
ajeer-199	238	76	.	.	PUNCT
ajeer-199	239	1	the	the	DET
ajeer-199	239	2	rankings	ranking	NOUN
ajeer-199	239	3	(	(	PUNCT
ajeer-199	239	4	f8	f8	PROPN
ajeer-199	239	5	)	)	PUNCT
ajeer-199	239	6	of	of	ADP
ajeer-199	239	7	the	the	DET
ajeer-199	239	8	two	two	NUM
ajeer-199	239	9	methods	method	NOUN
ajeer-199	239	10	for	for	ADP
ajeer-199	239	11	education	education	NOUN
ajeer-199	239	12	(	(	PUNCT
ajeer-199	239	13	f8	f8	PROPN
ajeer-199	239	14	-	-	PUNCT
ajeer-199	239	15	1	1	NUM
ajeer-199	239	16	)	)	PUNCT
ajeer-199	239	17	,	,	PUNCT
ajeer-199	239	18	financial	financial	ADJ
ajeer-199	239	19	literacy	literacy	NOUN
ajeer-199	239	20	(	(	PUNCT
ajeer-199	239	21	f8	f8	PROPN
ajeer-199	239	22	-	-	PUNCT
ajeer-199	239	23	2	2	NUM
ajeer-199	239	24	)	)	PUNCT
ajeer-199	239	25	and	and	CCONJ
ajeer-199	239	26	mortgage	mortgage	NOUN
ajeer-199	239	27	experience	experience	NOUN
ajeer-199	239	28	(	(	PUNCT
ajeer-199	239	29	f8	f8	PROPN
ajeer-199	239	30	-	-	PUNCT
ajeer-199	239	31	3	3	NUM
ajeer-199	239	32	)	)	PUNCT
ajeer-199	239	33	were	be	AUX
ajeer-199	239	34	2	2	NUM
ajeer-199	239	35	-	-	SYM
ajeer-199	239	36	1	1	NUM
ajeer-199	239	37	-	-	SYM
ajeer-199	239	38	3	3	NUM
ajeer-199	239	39	(	(	PUNCT
ajeer-199	239	40	buckley‟s	buckley‟s	NOUN
ajeer-199	239	41	method	method	NOUN
ajeer-199	239	42	)	)	PUNCT
ajeer-199	239	43	and	and	CCONJ
ajeer-199	239	44	1	1	NUM
ajeer-199	239	45	-	-	SYM
ajeer-199	239	46	2	2	NUM
ajeer-199	239	47	-	-	SYM
ajeer-199	239	48	3	3	NUM
ajeer-199	239	49	(	(	PUNCT
ajeer-199	239	50	chang‟s	chang‟s	NOUN
ajeer-199	239	51	method	method	NOUN
ajeer-199	239	52	)	)	PUNCT
ajeer-199	239	53	.	.	PUNCT
ajeer-199	240	1	the	the	DET
ajeer-199	240	2	rankings	ranking	NOUN
ajeer-199	240	3	for	for	ADP
ajeer-199	240	4	the	the	DET
ajeer-199	240	5	remaining	remain	VERB
ajeer-199	240	6	indicators	indicator	NOUN
ajeer-199	240	7	within	within	ADP
ajeer-199	240	8	the	the	DET
ajeer-199	240	9	other	other	ADJ
ajeer-199	240	10	aspects	aspect	NOUN
ajeer-199	240	11	were	be	AUX
ajeer-199	240	12	identical	identical	ADJ
ajeer-199	240	13	,	,	PUNCT
ajeer-199	240	14	indicating	indicate	VERB
ajeer-199	240	15	that	that	SCONJ
ajeer-199	240	16	buckley‟s	buckley‟s	NOUN
ajeer-199	240	17	method	method	NOUN
ajeer-199	240	18	and	and	CCONJ
ajeer-199	240	19	chang‟s	chang‟s	NOUN
ajeer-199	240	20	method	method	NOUN
ajeer-199	240	21	had	have	VERB
ajeer-199	240	22	equivalent	equivalent	ADJ
ajeer-199	240	23	similarity	similarity	NOUN
ajeer-199	240	24	and	and	CCONJ
ajeer-199	240	25	performance	performance	NOUN
ajeer-199	240	26	regarding	regard	VERB
ajeer-199	240	27	identifying	identify	VERB
ajeer-199	240	28	the	the	DET
ajeer-199	240	29	important	important	ADJ
ajeer-199	240	30	indicators	indicator	NOUN
ajeer-199	240	31	.	.	PUNCT
ajeer-199	241	1	concerning	concern	VERB
ajeer-199	241	2	the	the	DET
ajeer-199	241	3	overall	overall	ADJ
ajeer-199	241	4	rankings	ranking	NOUN
ajeer-199	241	5	for	for	ADP
ajeer-199	241	6	all	all	DET
ajeer-199	241	7	indicators	indicator	NOUN
ajeer-199	241	8	,	,	PUNCT
ajeer-199	241	9	the	the	DET
ajeer-199	241	10	top	top	ADJ
ajeer-199	241	11	ten	ten	NUM
ajeer-199	241	12	(	(	PUNCT
ajeer-199	241	13	10	10	NUM
ajeer-199	241	14	)	)	PUNCT
ajeer-199	241	15	ranking	ranking	NOUN
ajeer-199	241	16	of	of	ADP
ajeer-199	241	17	the	the	DET
ajeer-199	241	18	indicator	indicator	NOUN
ajeer-199	241	19	importance	importance	NOUN
ajeer-199	241	20	obtained	obtain	VERB
ajeer-199	241	21	using	use	VERB
ajeer-199	241	22	buckley‟s	buckley‟s	ADJ
ajeer-199	241	23	method	method	NOUN
ajeer-199	241	24	and	and	CCONJ
ajeer-199	241	25	chang‟s	chang‟s	NOUN
ajeer-199	241	26	method	method	NOUN
ajeer-199	241	27	were	be	AUX
ajeer-199	241	28	identical	identical	ADJ
ajeer-199	241	29	.	.	PUNCT
ajeer-199	242	1	these	these	DET
ajeer-199	242	2	indicators	indicator	NOUN
ajeer-199	242	3	in	in	ADP
ajeer-199	242	4	order	order	NOUN
ajeer-199	242	5	of	of	ADP
ajeer-199	242	6	rank	rank	NOUN
ajeer-199	242	7	were	be	AUX
ajeer-199	242	8	job	job	NOUN
ajeer-199	242	9	security	security	NOUN
ajeer-199	242	10	(	(	PUNCT
ajeer-199	242	11	f4	f4	PROPN
ajeer-199	242	12	-	-	PUNCT
ajeer-199	242	13	2	2	NUM
ajeer-199	242	14	)	)	PUNCT
ajeer-199	242	15	,	,	PUNCT
ajeer-199	242	16	house	house	NOUN
ajeer-199	242	17	prices	price	NOUN
ajeer-199	242	18	(	(	PUNCT
ajeer-199	242	19	f5	f5	NOUN
ajeer-199	242	20	-	-	PUNCT
ajeer-199	242	21	1	1	NUM
ajeer-199	242	22	)	)	PUNCT
ajeer-199	242	23	,	,	PUNCT
ajeer-199	242	24	savings	saving	NOUN
ajeer-199	242	25	(	(	PUNCT
ajeer-199	242	26	f1	f1	NOUN
ajeer-199	242	27	-	-	PUNCT
ajeer-199	242	28	3	3	NUM
ajeer-199	242	29	)	)	PUNCT
ajeer-199	242	30	,	,	PUNCT
ajeer-199	242	31	number	number	NOUN
ajeer-199	242	32	of	of	ADP
ajeer-199	242	33	years	year	NOUN
ajeer-199	242	34	employed	employ	VERB
ajeer-199	242	35	(	(	PUNCT
ajeer-199	242	36	f4	f4	NOUN
ajeer-199	242	37	-	-	PUNCT
ajeer-199	242	38	1	1	NUM
ajeer-199	242	39	)	)	PUNCT
ajeer-199	242	40	,	,	PUNCT
ajeer-199	242	41	income	income	NOUN
ajeer-199	242	42	(	(	PUNCT
ajeer-199	242	43	f1	f1	NOUN
ajeer-199	242	44	-	-	PUNCT
ajeer-199	242	45	2	2	NUM
ajeer-199	242	46	)	)	PUNCT
ajeer-199	242	47	,	,	PUNCT
ajeer-199	242	48	interest	interest	NOUN
ajeer-199	242	49	rates	rate	NOUN
ajeer-199	242	50	(	(	PUNCT
ajeer-199	242	51	f32	f32	NOUN
ajeer-199	242	52	)	)	PUNCT
ajeer-199	242	53	,	,	PUNCT
ajeer-199	242	54	payment	payment	NOUN
ajeer-199	242	55	terms	term	NOUN
ajeer-199	242	56	(	(	PUNCT
ajeer-199	242	57	f6	f6	PROPN
ajeer-199	242	58	-	-	PUNCT
ajeer-199	242	59	1	1	NUM
ajeer-199	242	60	)	)	PUNCT
ajeer-199	242	61	,	,	PUNCT
ajeer-199	242	62	default	default	NOUN
ajeer-199	242	63	(	(	PUNCT
ajeer-199	242	64	f6	f6	PROPN
ajeer-199	242	65	-	-	PUNCT
ajeer-199	242	66	5	5	NUM
ajeer-199	242	67	)	)	PUNCT
ajeer-199	242	68	,	,	PUNCT
ajeer-199	242	69	self	self	NOUN
ajeer-199	242	70	employed	employ	VERB
ajeer-199	242	71	(	(	PUNCT
ajeer-199	242	72	f4	f4	NOUN
ajeer-199	242	73	-	-	PUNCT
ajeer-199	242	74	4	4	NUM
ajeer-199	242	75	)	)	PUNCT
ajeer-199	242	76	and	and	CCONJ
ajeer-199	242	77	second	second	ADJ
ajeer-199	242	78	loan	loan	NOUN
ajeer-199	242	79	(	(	PUNCT
ajeer-199	242	80	f6	f6	PROPN
ajeer-199	242	81	-	-	PUNCT
ajeer-199	242	82	3	3	NUM
ajeer-199	242	83	)	)	PUNCT
ajeer-199	242	84	.	.	PUNCT
ajeer-199	243	1	the	the	DET
ajeer-199	243	2	rankings	ranking	NOUN
ajeer-199	243	3	for	for	ADP
ajeer-199	243	4	the	the	DET
ajeer-199	243	5	other	other	ADJ
ajeer-199	243	6	indicators	indicator	NOUN
ajeer-199	243	7	differed	differ	VERB
ajeer-199	243	8	slightly	slightly	ADV
ajeer-199	243	9	.	.	PUNCT
ajeer-199	244	1	this	this	PRON
ajeer-199	244	2	was	be	AUX
ajeer-199	244	3	caused	cause	VERB
ajeer-199	244	4	by	by	ADP
ajeer-199	244	5	differences	difference	NOUN
ajeer-199	244	6	in	in	ADP
ajeer-199	244	7	computation	computation	NOUN
ajeer-199	244	8	logic	logic	NOUN
ajeer-199	244	9	between	between	ADP
ajeer-199	244	10	the	the	DET
ajeer-199	244	11	two	two	NUM
ajeer-199	244	12	methods	method	NOUN
ajeer-199	244	13	.	.	PUNCT
ajeer-199	245	1	table-4	table-4	NOUN
ajeer-199	245	2	.	.	PUNCT
ajeer-199	246	1	local	local	ADJ
ajeer-199	246	2	weight	weight	NOUN
ajeer-199	246	3	and	and	CCONJ
ajeer-199	246	4	global	global	ADJ
ajeer-199	246	5	weight	weight	NOUN
ajeer-199	246	6	for	for	ADP
ajeer-199	246	7	each	each	DET
ajeer-199	246	8	criterion	criterion	NOUN
ajeer-199	246	9	(	(	PUNCT
ajeer-199	246	10	chang‟s	chang‟s	NOUN
ajeer-199	246	11	method	method	NOUN
ajeer-199	246	12	)	)	PUNCT
ajeer-199	246	13	aspect	aspect	VERB
ajeer-199	246	14	a	a	DET
ajeer-199	246	15	local	local	ADJ
ajeer-199	246	16	weights	weight	NOUN
ajeer-199	246	17	b	b	NOUN
ajeer-199	246	18	ranking	ranking	ADJ
ajeer-199	246	19	indicator	indicator	NOUN
ajeer-199	246	20	a	a	DET
ajeer-199	246	21	local	local	ADJ
ajeer-199	246	22	weights	weight	NOUN
ajeer-199	246	23	b	b	NOUN
ajeer-199	246	24	ranking	rank	VERB
ajeer-199	246	25	global	global	ADJ
ajeer-199	246	26	weights	weight	NOUN
ajeer-199	246	27	c	c	NOUN
ajeer-199	246	28	ranking	rank	VERB
ajeer-199	246	29	f1	f1	NOUN
ajeer-199	246	30	0.137	0.137	NUM
ajeer-199	246	31	3	3	NUM
ajeer-199	246	32	f1	f1	NOUN
ajeer-199	246	33	-	-	PUNCT
ajeer-199	246	34	1	1	NUM
ajeer-199	246	35	f1	f1	NOUN
ajeer-199	246	36	-	-	PUNCT
ajeer-199	246	37	2	2	NUM
ajeer-199	246	38	f1	f1	NOUN
ajeer-199	246	39	-	-	PUNCT
ajeer-199	246	40	3	3	NUM
ajeer-199	246	41	f2	f2	NOUN
ajeer-199	246	42	-	-	PUNCT
ajeer-199	246	43	4	4	NUM
ajeer-199	246	44	0.102	0.102	NUM
ajeer-199	246	45	0.327	0.327	NUM
ajeer-199	246	46	0.352	0.352	NUM
ajeer-199	246	47	0.205	0.205	NUM
ajeer-199	246	48	4	4	NUM
ajeer-199	246	49	2	2	NUM
ajeer-199	246	50	1	1	NUM
ajeer-199	246	51	3	3	NUM
ajeer-199	246	52	0.035	0.035	NUM
ajeer-199	246	53	0.067	0.067	NUM
ajeer-199	246	54	0.072	0.072	NUM
ajeer-199	246	55	0.036	0.036	NUM
ajeer-199	246	56	13	13	NUM
ajeer-199	246	57	5	5	NUM
ajeer-199	246	58	3	3	NUM
ajeer-199	246	59	11	11	NUM
ajeer-199	246	60	f2	f2	PROPN
ajeer-199	246	61	0.057	0.057	NUM
ajeer-199	246	62	8	8	NUM
ajeer-199	246	63	f2	f2	NOUN
ajeer-199	246	64	-	-	PUNCT
ajeer-199	246	65	1	1	NUM
ajeer-199	246	66	f2	f2	NOUN
ajeer-199	246	67	-	-	PUNCT
ajeer-199	246	68	2	2	NUM
ajeer-199	246	69	f2	f2	NOUN
ajeer-199	246	70	-	-	SYM
ajeer-199	246	71	3	3	NUM
ajeer-199	246	72	0.557	0.557	NUM
ajeer-199	246	73	0.034	0.034	NUM
ajeer-199	246	74	0.293	0.293	NUM
ajeer-199	246	75	1	1	NUM
ajeer-199	246	76	3	3	NUM
ajeer-199	246	77	2	2	NUM
ajeer-199	246	78	0.016	0.016	NUM
ajeer-199	246	79	0.010	0.010	NUM
ajeer-199	246	80	0.019	0.019	NUM
ajeer-199	246	81	25	25	NUM
ajeer-199	246	82	28	28	NUM
ajeer-199	246	83	24	24	NUM
ajeer-199	246	84	f3	f3	NOUN
ajeer-199	246	85	0.118	0.118	NUM
ajeer-199	246	86	4	4	NUM
ajeer-199	246	87	f3	f3	ADJ
ajeer-199	246	88	-	-	PUNCT
ajeer-199	246	89	1	1	NUM
ajeer-199	246	90	f3	f3	ADJ
ajeer-199	246	91	-	-	PUNCT
ajeer-199	246	92	2	2	NUM
ajeer-199	246	93	f3	f3	NOUN
ajeer-199	246	94	-	-	PUNCT
ajeer-199	246	95	3	3	NUM
ajeer-199	246	96	0.040	0.040	NUM
ajeer-199	246	97	0.651	0.651	NUM
ajeer-199	246	98	0.097	0.097	NUM
ajeer-199	246	99	3	3	NUM
ajeer-199	246	100	1	1	NUM
ajeer-199	246	101	2	2	NUM
ajeer-199	246	102	0.024	0.024	NUM
ajeer-199	246	103	0.063	0.063	NUM
ajeer-199	246	104	0.026	0.026	NUM
ajeer-199	246	105	17	17	NUM
ajeer-199	246	106	6	6	NUM
ajeer-199	246	107	16	16	NUM
ajeer-199	246	108	f4	f4	NUM
ajeer-199	246	109	0.245	0.245	NUM
ajeer-199	246	110	1	1	NUM
ajeer-199	246	111	f4	f4	NUM
ajeer-199	246	112	-	-	PUNCT
ajeer-199	246	113	1	1	NUM
ajeer-199	246	114	f4	f4	NUM
ajeer-199	246	115	-	-	PUNCT
ajeer-199	246	116	2	2	NUM
ajeer-199	246	117	f4	f4	NUM
ajeer-199	246	118	-	-	PUNCT
ajeer-199	246	119	3	3	NUM
ajeer-199	246	120	f4	f4	PROPN
ajeer-199	246	121	-	-	PUNCT
ajeer-199	246	122	4	4	NUM
ajeer-199	246	123	0.116	0.116	NUM
ajeer-199	246	124	0.905	0.905	NUM
ajeer-199	246	125	0.903	0.903	NUM
ajeer-199	246	126	0.096	0.096	NUM
ajeer-199	246	127	3	3	NUM
ajeer-199	246	128	1	1	NUM
ajeer-199	246	129	2	2	NUM
ajeer-199	246	130	4	4	NUM
ajeer-199	246	131	0.069	0.069	NUM
ajeer-199	246	132	0.087	0.087	NUM
ajeer-199	246	133	0.039	0.039	NUM
ajeer-199	246	134	0.047	0.047	NUM
ajeer-199	246	135	4	4	NUM
ajeer-199	246	136	1	1	NUM
ajeer-199	246	137	12	12	NUM
ajeer-199	246	138	9	9	NUM
ajeer-199	246	139	f5	f5	NOUN
ajeer-199	246	140	0.199	0.199	NUM
ajeer-199	246	141	2	2	NUM
ajeer-199	246	142	f5	f5	NOUN
ajeer-199	246	143	-	-	PUNCT
ajeer-199	246	144	1	1	NUM
ajeer-199	246	145	f5	f5	NOUN
ajeer-199	246	146	-	-	PUNCT
ajeer-199	246	147	2	2	NUM
ajeer-199	246	148	f5	f5	NOUN
ajeer-199	246	149	-	-	SYM
ajeer-199	246	150	3	3	NUM
ajeer-199	246	151	0.835	0.835	NUM
ajeer-199	246	152	0.029	0.029	NUM
ajeer-199	246	153	0.109	0.109	NUM
ajeer-199	246	154	1	1	NUM
ajeer-199	246	155	3	3	NUM
ajeer-199	246	156	2	2	NUM
ajeer-199	246	157	0.074	0.074	NUM
ajeer-199	246	158	0.024	0.024	NUM
ajeer-199	246	159	0.029	0.029	NUM
ajeer-199	246	160	2	2	NUM
ajeer-199	246	161	18	18	NUM
ajeer-199	246	162	15	15	NUM
ajeer-199	246	163	f6	f6	PROPN
ajeer-199	246	164	0.105	0.105	NUM
ajeer-199	246	165	5	5	NUM
ajeer-199	246	166	f6	f6	NUM
ajeer-199	246	167	-	-	PUNCT
ajeer-199	246	168	1	1	NUM
ajeer-199	246	169	f6	f6	NUM
ajeer-199	246	170	-	-	PUNCT
ajeer-199	246	171	2	2	NUM
ajeer-199	246	172	f6	f6	NUM
ajeer-199	246	173	-	-	PUNCT
ajeer-199	246	174	3	3	NUM
ajeer-199	246	175	f6	f6	NUM
ajeer-199	246	176	-	-	PUNCT
ajeer-199	246	177	4	4	NUM
ajeer-199	246	178	f6	f6	NUM
ajeer-199	246	179	-	-	PUNCT
ajeer-199	246	180	5	5	NUM
ajeer-199	246	181	0.674	0.674	NUM
ajeer-199	246	182	0.062	0.062	NUM
ajeer-199	246	183	0.159	0.159	NUM
ajeer-199	246	184	0.031	0.031	NUM
ajeer-199	246	185	0.321	0.321	NUM
ajeer-199	246	186	1	1	NUM
ajeer-199	246	187	4	4	NUM
ajeer-199	246	188	3	3	NUM
ajeer-199	246	189	5	5	NUM
ajeer-199	246	190	2	2	NUM
ajeer-199	246	191	0.056	0.056	NUM
ajeer-199	246	192	0.021	0.021	NUM
ajeer-199	246	193	0.042	0.042	NUM
ajeer-199	246	194	0.020	0.020	NUM
ajeer-199	246	195	0.051	0.051	NUM
ajeer-199	246	196	7	7	NUM
ajeer-199	246	197	21	21	NUM
ajeer-199	246	198	10	10	NUM
ajeer-199	246	199	23	23	NUM
ajeer-199	246	200	8	8	NUM
ajeer-199	246	201	f7	f7	PROPN
ajeer-199	246	202	0.131	0.131	NUM
ajeer-199	246	203	6	6	NUM
ajeer-199	246	204	f7	f7	PROPN
ajeer-199	246	205	-	-	PUNCT
ajeer-199	246	206	1	1	NUM
ajeer-199	246	207	f7	f7	PROPN
ajeer-199	246	208	-	-	PUNCT
ajeer-199	246	209	2	2	NUM
ajeer-199	246	210	f7	f7	PROPN
ajeer-199	246	211	-	-	PUNCT
ajeer-199	246	212	3	3	NUM
ajeer-199	246	213	0.172	0.172	NUM
ajeer-199	246	214	0.192	0.192	NUM
ajeer-199	246	215	0.076	0.076	NUM
ajeer-199	246	216	2	2	NUM
ajeer-199	246	217	1	1	NUM
ajeer-199	246	218	3	3	NUM
ajeer-199	246	219	0.023	0.023	NUM
ajeer-199	246	220	0.033	0.033	NUM
ajeer-199	246	221	0.013	0.013	NUM
ajeer-199	246	222	19	19	NUM
ajeer-199	246	223	14	14	NUM
ajeer-199	246	224	27	27	NUM
ajeer-199	246	225	f8	f8	PROPN
ajeer-199	246	226	0.060	0.060	NUM
ajeer-199	246	227	7	7	NUM
ajeer-199	246	228	f8	f8	PROPN
ajeer-199	246	229	-	-	PUNCT
ajeer-199	246	230	1	1	NUM
ajeer-199	246	231	f8	f8	PROPN
ajeer-199	246	232	-	-	PUNCT
ajeer-199	246	233	2	2	NUM
ajeer-199	246	234	f8	f8	PROPN
ajeer-199	246	235	-	-	PUNCT
ajeer-199	246	236	3	3	NUM
ajeer-199	246	237	0.220	0.220	NUM
ajeer-199	246	238	0.157	0.157	NUM
ajeer-199	246	239	0.097	0.097	NUM
ajeer-199	246	240	1	1	NUM
ajeer-199	246	241	2	2	NUM
ajeer-199	246	242	3	3	NUM
ajeer-199	246	243	0.022	0.022	NUM
ajeer-199	246	244	0.021	0.021	NUM
ajeer-199	246	245	0.015	0.015	NUM
ajeer-199	246	246	20	20	NUM
ajeer-199	246	247	22	22	NUM
ajeer-199	246	248	26	26	NUM
ajeer-199	246	249	a.	a.	NOUN
ajeer-199	246	250	for	for	ADP
ajeer-199	246	251	an	an	DET
ajeer-199	246	252	explanation	explanation	NOUN
ajeer-199	246	253	of	of	ADP
ajeer-199	246	254	the	the	DET
ajeer-199	246	255	codes	code	NOUN
ajeer-199	246	256	,	,	PUNCT
ajeer-199	246	257	please	please	INTJ
ajeer-199	246	258	refer	refer	VERB
ajeer-199	246	259	to	to	ADP
ajeer-199	246	260	fig	fig	NOUN
ajeer-199	246	261	.	.	PUNCT
ajeer-199	247	1	1	1	X
ajeer-199	247	2	.	.	X
ajeer-199	247	3	b.	b.	PROPN
ajeer-199	247	4	local	local	ADJ
ajeer-199	247	5	weight	weight	NOUN
ajeer-199	247	6	is	be	AUX
ajeer-199	247	7	determined	determine	VERB
ajeer-199	247	8	based	base	VERB
ajeer-199	247	9	on	on	ADP
ajeer-199	247	10	judgments	judgment	NOUN
ajeer-199	247	11	of	of	ADP
ajeer-199	247	12	a	a	DET
ajeer-199	247	13	single	single	ADJ
ajeer-199	247	14	criterion	criterion	NOUN
ajeer-199	247	15	.	.	PUNCT
ajeer-199	248	1	c.	c.	PROPN
ajeer-199	248	2	global	global	ADJ
ajeer-199	248	3	weight	weight	PROPN
ajeer-199	248	4	is	be	AUX
ajeer-199	248	5	determined	determine	VERB
ajeer-199	248	6	by	by	ADP
ajeer-199	248	7	multiplying	multiply	VERB
ajeer-199	248	8	the	the	DET
ajeer-199	248	9	weight	weight	NOUN
ajeer-199	248	10	of	of	ADP
ajeer-199	248	11	the	the	DET
ajeer-199	248	12	criteria	criterion	NOUN
ajeer-199	248	13	.	.	PUNCT
ajeer-199	249	1	5	5	X
ajeer-199	249	2	.	.	X
ajeer-199	249	3	conclusions	conclusion	NOUN
ajeer-199	249	4	the	the	DET
ajeer-199	249	5	study	study	NOUN
ajeer-199	249	6	sought	seek	VERB
ajeer-199	249	7	to	to	PART
ajeer-199	249	8	determine	determine	VERB
ajeer-199	249	9	the	the	DET
ajeer-199	249	10	considerations	consideration	NOUN
ajeer-199	249	11	made	make	VERB
ajeer-199	249	12	by	by	ADP
ajeer-199	249	13	households	household	NOUN
ajeer-199	249	14	before	before	ADP
ajeer-199	249	15	deciding	decide	VERB
ajeer-199	249	16	on	on	ADP
ajeer-199	249	17	acquiring	acquire	VERB
ajeer-199	249	18	a	a	DET
ajeer-199	249	19	mortgage	mortgage	NOUN
ajeer-199	249	20	loan	loan	NOUN
ajeer-199	249	21	.	.	PUNCT
ajeer-199	250	1	after	after	ADP
ajeer-199	250	2	critically	critically	ADV
ajeer-199	250	3	assessing	assess	VERB
ajeer-199	250	4	the	the	DET
ajeer-199	250	5	data	datum	NOUN
ajeer-199	250	6	obtained	obtain	VERB
ajeer-199	250	7	from	from	ADP
ajeer-199	250	8	mortgage	mortgage	NOUN
ajeer-199	250	9	owners	owner	NOUN
ajeer-199	250	10	within	within	ADP
ajeer-199	250	11	the	the	DET
ajeer-199	250	12	accra	accra	PROPN
ajeer-199	250	13	metropolis	metropolis	PROPN
ajeer-199	250	14	,	,	PUNCT
ajeer-199	250	15	an	an	DET
ajeer-199	250	16	fahp	fahp	NOUN
ajeer-199	250	17	was	be	AUX
ajeer-199	250	18	used	use	VERB
ajeer-199	250	19	to	to	PART
ajeer-199	250	20	analyze	analyze	VERB
ajeer-199	250	21	the	the	DET
ajeer-199	250	22	weights	weight	NOUN
ajeer-199	250	23	of	of	ADP
ajeer-199	250	24	the	the	DET
ajeer-199	250	25	decision	decision	NOUN
ajeer-199	250	26	-	-	PUNCT
ajeer-199	250	27	making	make	VERB
ajeer-199	250	28	aspects	aspect	NOUN
ajeer-199	250	29	and	and	CCONJ
ajeer-199	250	30	indicators	indicator	NOUN
ajeer-199	250	31	considered	consider	VERB
ajeer-199	250	32	by	by	ADP
ajeer-199	250	33	consumers	consumer	NOUN
ajeer-199	250	34	when	when	SCONJ
ajeer-199	250	35	selecting	select	VERB
ajeer-199	250	36	home	home	NOUN
ajeer-199	250	37	stays	stay	NOUN
ajeer-199	250	38	.	.	PUNCT
ajeer-199	251	1	the	the	DET
ajeer-199	251	2	results	result	NOUN
ajeer-199	251	3	indicate	indicate	VERB
ajeer-199	251	4	that	that	SCONJ
ajeer-199	251	5	the	the	DET
ajeer-199	251	6	sequence	sequence	NOUN
ajeer-199	251	7	of	of	ADP
ajeer-199	251	8	the	the	DET
ajeer-199	251	9	four	four	NUM
ajeer-199	251	10	items	item	NOUN
ajeer-199	251	11	with	with	ADP
ajeer-199	251	12	the	the	DET
ajeer-199	251	13	highest	high	ADJ
ajeer-199	251	14	weights	weight	NOUN
ajeer-199	251	15	of	of	ADP
ajeer-199	251	16	all	all	DET
ajeer-199	251	17	the	the	DET
ajeer-199	251	18	aspects	aspect	NOUN
ajeer-199	251	19	were	be	AUX
ajeer-199	251	20	"	"	PUNCT
ajeer-199	251	21	employment	employment	NOUN
ajeer-199	251	22	"	"	PUNCT
ajeer-199	251	23	,	,	PUNCT
ajeer-199	251	24	"	"	PUNCT
ajeer-199	251	25	housing	housing	NOUN
ajeer-199	251	26	market	market	NOUN
ajeer-199	251	27	conditions	condition	NOUN
ajeer-199	251	28	"	"	PUNCT
ajeer-199	251	29	,	,	PUNCT
ajeer-199	251	30	"	"	PUNCT
ajeer-199	251	31	personal	personal	ADJ
ajeer-199	251	32	factors	factor	NOUN
ajeer-199	251	33	"	"	PUNCT
ajeer-199	251	34	,	,	PUNCT
ajeer-199	251	35	and	and	CCONJ
ajeer-199	251	36	"	"	PUNCT
ajeer-199	251	37	economic	economic	ADJ
ajeer-199	251	38	factors	factor	NOUN
ajeer-199	251	39	"	"	PUNCT
ajeer-199	251	40	.	.	PUNCT
ajeer-199	252	1	the	the	DET
ajeer-199	252	2	total	total	ADJ
ajeer-199	252	3	weights	weight	NOUN
ajeer-199	252	4	for	for	ADP
ajeer-199	252	5	these	these	DET
ajeer-199	252	6	four	four	NUM
ajeer-199	252	7	aspects	aspect	NOUN
ajeer-199	252	8	were	be	AUX
ajeer-199	252	9	0.7099	0.7099	NUM
ajeer-199	252	10	(	(	PUNCT
ajeer-199	252	11	buckley‟s	buckley‟s	ADJ
ajeer-199	252	12	method	method	NOUN
ajeer-199	252	13	)	)	PUNCT
ajeer-199	252	14	and	and	CCONJ
ajeer-199	252	15	0.6970	0.6970	NUM
ajeer-199	252	16	(	(	PUNCT
ajeer-199	252	17	chang‟s	chang‟s	NOUN
ajeer-199	252	18	method	method	NOUN
ajeer-199	252	19	)	)	PUNCT
ajeer-199	252	20	.	.	PUNCT
ajeer-199	253	1	the	the	DET
ajeer-199	253	2	least	least	ADV
ajeer-199	253	3	important	important	ADJ
ajeer-199	253	4	items	item	NOUN
ajeer-199	253	5	among	among	ADP
ajeer-199	253	6	the	the	DET
ajeer-199	253	7	factors	factor	NOUN
ajeer-199	253	8	considered	consider	VERB
ajeer-199	253	9	by	by	ADP
ajeer-199	253	10	households	household	NOUN
ajeer-199	253	11	when	when	SCONJ
ajeer-199	253	12	deciding	decide	VERB
ajeer-199	253	13	to	to	PART
ajeer-199	253	14	acquire	acquire	VERB
ajeer-199	253	15	a	a	DET
ajeer-199	253	16	mortgage	mortgage	NOUN
ajeer-199	253	17	loan	loan	NOUN
ajeer-199	253	18	"	"	PUNCT
ajeer-199	253	19	mortgage	mortgage	NOUN
ajeer-199	253	20	lender	lender	NOUN
ajeer-199	253	21	policy	policy	NOUN
ajeer-199	253	22	"	"	PUNCT
ajeer-199	253	23	,	,	PUNCT
ajeer-199	253	24	"	"	PUNCT
ajeer-199	253	25	housing	housing	NOUN
ajeer-199	253	26	alternatives	alternative	NOUN
ajeer-199	253	27	"	"	PUNCT
ajeer-199	253	28	,	,	PUNCT
ajeer-199	253	29	"	"	PUNCT
ajeer-199	253	30	knowledge	knowledge	NOUN
ajeer-199	253	31	"	"	PUNCT
ajeer-199	253	32	and	and	CCONJ
ajeer-199	253	33	"	"	PUNCT
ajeer-199	253	34	social	social	ADJ
ajeer-199	253	35	factors	factor	NOUN
ajeer-199	253	36	"	"	PUNCT
ajeer-199	253	37	.	.	PUNCT
ajeer-199	254	1	the	the	DET
ajeer-199	254	2	total	total	ADJ
ajeer-199	254	3	weight	weight	NOUN
ajeer-199	254	4	for	for	ADP
ajeer-199	254	5	these	these	DET
ajeer-199	254	6	four	four	NUM
ajeer-199	254	7	aspects	aspect	NOUN
ajeer-199	254	8	was	be	AUX
ajeer-199	254	9	0.2901	0.2901	NUM
ajeer-199	254	10	(	(	PUNCT
ajeer-199	254	11	buckley‟s	buckley‟s	ADJ
ajeer-199	254	12	method	method	NOUN
ajeer-199	254	13	)	)	PUNCT
ajeer-199	254	14	and	and	CCONJ
ajeer-199	254	15	0.3030	0.3030	NUM
ajeer-199	254	16	(	(	PUNCT
ajeer-199	254	17	chang‟s	chang‟s	NOUN
ajeer-199	254	18	method	method	NOUN
ajeer-199	254	19	)	)	PUNCT
ajeer-199	254	20	.	.	PUNCT
ajeer-199	255	1	the	the	DET
ajeer-199	255	2	four	four	NUM
ajeer-199	255	3	areas	area	NOUN
ajeer-199	255	4	under	under	ADP
ajeer-199	255	5	consideration	consideration	NOUN
ajeer-199	255	6	for	for	ADP
ajeer-199	255	7	mortgage	mortgage	NOUN
ajeer-199	255	8	lenders	lender	NOUN
ajeer-199	255	9	are	be	AUX
ajeer-199	255	10	:	:	PUNCT
ajeer-199	255	11	“	"	PUNCT
ajeer-199	255	12	employment	employment	NOUN
ajeer-199	255	13	”	"	PUNCT
ajeer-199	255	14	;	;	PUNCT
ajeer-199	255	15	the	the	DET
ajeer-199	255	16	rate	rate	NOUN
ajeer-199	255	17	of	of	ADP
ajeer-199	255	18	employment	employment	NOUN
ajeer-199	255	19	within	within	ADP
ajeer-199	255	20	the	the	DET
ajeer-199	255	21	nation	nation	NOUN
ajeer-199	255	22	is	be	AUX
ajeer-199	255	23	crucial	crucial	ADJ
ajeer-199	255	24	for	for	SCONJ
ajeer-199	255	25	the	the	DET
ajeer-199	255	26	mortgage	mortgage	NOUN
ajeer-199	255	27	market	market	NOUN
ajeer-199	255	28	to	to	PART
ajeer-199	255	29	be	be	AUX
ajeer-199	255	30	successful	successful	ADJ
ajeer-199	255	31	.	.	PUNCT
ajeer-199	256	1	job	job	NOUN
ajeer-199	256	2	security	security	NOUN
ajeer-199	256	3	an	an	DET
ajeer-199	256	4	essential	essential	ADJ
ajeer-199	256	5	factor	factor	NOUN
ajeer-199	256	6	in	in	ADP
ajeer-199	256	7	the	the	DET
ajeer-199	256	8	demand	demand	NOUN
ajeer-199	256	9	consideration	consideration	NOUN
ajeer-199	256	10	or	or	CCONJ
ajeer-199	256	11	decision	decision	NOUN
ajeer-199	256	12	process	process	NOUN
ajeer-199	256	13	of	of	ADP
ajeer-199	256	14	households	household	NOUN
ajeer-199	256	15	in	in	ADP
ajeer-199	256	16	relation	relation	NOUN
ajeer-199	256	17	to	to	ADP
ajeer-199	256	18	opting	opt	VERB
ajeer-199	256	19	for	for	ADP
ajeer-199	256	20	a	a	DET
ajeer-199	256	21	mortgage	mortgage	NOUN
ajeer-199	256	22	loan	loan	NOUN
ajeer-199	256	23	,	,	PUNCT
ajeer-199	256	24	the	the	PRON
ajeer-199	256	25	longer	long	ADJ
ajeer-199	256	26	a	a	DET
ajeer-199	256	27	person	person	NOUN
ajeer-199	256	28	has	have	AUX
ajeer-199	256	29	been	be	AUX
ajeer-199	256	30	in	in	ADP
ajeer-199	256	31	their	their	PRON
ajeer-199	256	32	job	job	NOUN
ajeer-199	256	33	the	the	PRON
ajeer-199	256	34	safer	safe	ADJ
ajeer-199	256	35	they	they	PRON
ajeer-199	256	36	feel	feel	VERB
ajeer-199	256	37	hence	hence	ADV
ajeer-199	256	38	their	their	PRON
ajeer-199	256	39	likelihood	likelihood	NOUN
ajeer-199	256	40	in	in	ADP
ajeer-199	256	41	opting	opt	VERB
ajeer-199	256	42	for	for	ADP
ajeer-199	256	43	a	a	DET
ajeer-199	256	44	mortgage	mortgage	NOUN
ajeer-199	256	45	loan	loan	NOUN
ajeer-199	256	46	.	.	PUNCT
ajeer-199	257	1	government	government	NOUN
ajeer-199	257	2	should	should	AUX
ajeer-199	257	3	look	look	VERB
ajeer-199	257	4	to	to	PART
ajeer-199	257	5	create	create	VERB
ajeer-199	257	6	more	more	ADJ
ajeer-199	257	7	jobs	job	NOUN
ajeer-199	257	8	within	within	ADP
ajeer-199	257	9	the	the	DET
ajeer-199	257	10	economy	economy	NOUN
ajeer-199	257	11	to	to	PART
ajeer-199	257	12	enhance	enhance	VERB
ajeer-199	257	13	the	the	DET
ajeer-199	257	14	mortgage	mortgage	NOUN
ajeer-199	257	15	market	market	NOUN
ajeer-199	257	16	.	.	PUNCT
ajeer-199	258	1	the	the	DET
ajeer-199	258	2	“	"	PUNCT
ajeer-199	258	3	housing	housing	NOUN
ajeer-199	258	4	market	market	NOUN
ajeer-199	258	5	conditions	condition	NOUN
ajeer-199	258	6	”	"	PUNCT
ajeer-199	258	7	,	,	PUNCT
ajeer-199	258	8	price	price	NOUN
ajeer-199	258	9	is	be	AUX
ajeer-199	258	10	a	a	DET
ajeer-199	258	11	huge	huge	ADJ
ajeer-199	258	12	demand	demand	NOUN
ajeer-199	258	13	consideration	consideration	NOUN
ajeer-199	258	14	factor	factor	NOUN
ajeer-199	258	15	.	.	PUNCT
ajeer-199	259	1	the	the	DET
ajeer-199	259	2	prices	price	NOUN
ajeer-199	259	3	of	of	ADP
ajeer-199	259	4	houses	house	NOUN
ajeer-199	259	5	in	in	ADP
ajeer-199	259	6	ghana	ghana	PROPN
ajeer-199	259	7	are	be	AUX
ajeer-199	259	8	rather	rather	ADV
ajeer-199	259	9	on	on	ADP
ajeer-199	259	10	the	the	DET
ajeer-199	259	11	higher	high	ADJ
ajeer-199	259	12	side	side	NOUN
ajeer-199	259	13	hence	hence	ADV
ajeer-199	259	14	this	this	DET
ajeer-199	259	15	needs	need	NOUN
ajeer-199	259	16	for	for	SCONJ
ajeer-199	259	17	it	it	PRON
ajeer-199	259	18	to	to	PART
ajeer-199	259	19	be	be	AUX
ajeer-199	259	20	reviewed	review	VERB
ajeer-199	259	21	.	.	PUNCT
ajeer-199	260	1	furthermore	furthermore	ADV
ajeer-199	260	2	mortgage	mortgage	NOUN
ajeer-199	260	3	loans	loan	NOUN
ajeer-199	260	4	are	be	AUX
ajeer-199	260	5	not	not	PART
ajeer-199	260	6	easily	easily	ADV
ajeer-199	260	7	available	available	ADJ
ajeer-199	260	8	to	to	ADP
ajeer-199	260	9	households	household	NOUN
ajeer-199	260	10	and	and	CCONJ
ajeer-199	260	11	seems	seem	VERB
ajeer-199	260	12	to	to	PART
ajeer-199	260	13	be	be	AUX
ajeer-199	260	14	synonymous	synonymous	ADJ
ajeer-199	260	15	to	to	ADP
ajeer-199	260	16	a	a	DET
ajeer-199	260	17	select	select	ADJ
ajeer-199	260	18	few	few	ADJ
ajeer-199	260	19	namely	namely	ADV
ajeer-199	260	20	the	the	DET
ajeer-199	260	21	rich	rich	ADJ
ajeer-199	260	22	and	and	CCONJ
ajeer-199	260	23	affluent	affluent	ADJ
ajeer-199	260	24	of	of	ADP
ajeer-199	260	25	the	the	DET
ajeer-199	260	26	society	society	NOUN
ajeer-199	260	27	.	.	PUNCT
ajeer-199	261	1	making	make	VERB
ajeer-199	261	2	mortgages	mortgage	NOUN
ajeer-199	261	3	loans	loan	NOUN
ajeer-199	261	4	available	available	ADJ
ajeer-199	261	5	for	for	ADP
ajeer-199	261	6	more	more	ADJ
ajeer-199	261	7	class	class	NOUN
ajeer-199	261	8	categories	category	NOUN
ajeer-199	261	9	will	will	AUX
ajeer-199	261	10	help	help	VERB
ajeer-199	261	11	solve	solve	VERB
ajeer-199	261	12	this	this	DET
ajeer-199	261	13	issue	issue	NOUN
ajeer-199	261	14	.	.	PUNCT
ajeer-199	262	1	finally	finally	ADV
ajeer-199	262	2	the	the	DET
ajeer-199	262	3	loan	loan	NOUN
ajeer-199	262	4	-	-	PUNCT
ajeer-199	262	5	to	to	ADP
ajeer-199	262	6	-	-	PUNCT
ajeer-199	262	7	value	value	NOUN
ajeer-199	262	8	is	be	AUX
ajeer-199	262	9	essential	essential	ADJ
ajeer-199	262	10	as	as	SCONJ
ajeer-199	262	11	households	household	NOUN
ajeer-199	262	12	believe	believe	VERB
ajeer-199	262	13	that	that	SCONJ
ajeer-199	262	14	the	the	DET
ajeer-199	262	15	loan	loan	NOUN
ajeer-199	262	16	they	they	PRON
ajeer-199	262	17	are	be	AUX
ajeer-199	262	18	able	able	ADJ
ajeer-199	262	19	to	to	PART
ajeer-199	262	20	acquire	acquire	VERB
ajeer-199	262	21	should	should	AUX
ajeer-199	262	22	help	help	VERB
ajeer-199	262	23	them	they	PRON
ajeer-199	262	24	purchase	purchase	VERB
ajeer-199	262	25	the	the	DET
ajeer-199	262	26	house	house	NOUN
ajeer-199	262	27	of	of	ADP
ajeer-199	262	28	their	their	PRON
ajeer-199	262	29	choice	choice	NOUN
ajeer-199	262	30	or	or	CCONJ
ajeer-199	262	31	dreams	dream	NOUN
ajeer-199	262	32	and	and	CCONJ
ajeer-199	262	33	that	that	SCONJ
ajeer-199	262	34	they	they	PRON
ajeer-199	262	35	should	should	AUX
ajeer-199	262	36	have	have	VERB
ajeer-199	262	37	some	some	DET
ajeer-199	262	38	satisfaction	satisfaction	NOUN
ajeer-199	262	39	in	in	ADP
ajeer-199	262	40	the	the	DET
ajeer-199	262	41	value	value	NOUN
ajeer-199	262	42	.	.	PUNCT
ajeer-199	263	1	asian	asian	ADJ
ajeer-199	263	2	journal	journal	PROPN
ajeer-199	263	3	of	of	ADP
ajeer-199	263	4	economics	economic	NOUN
ajeer-199	263	5	and	and	CCONJ
ajeer-199	263	6	empirical	empirical	ADJ
ajeer-199	263	7	research	research	NOUN
ajeer-199	263	8	,	,	PUNCT
ajeer-199	263	9	2015	2015	NUM
ajeer-199	263	10	,	,	PUNCT
ajeer-199	263	11	2(2	2(2	NUM
ajeer-199	263	12	):	):	PUNCT
ajeer-199	263	13	52	52	NUM
ajeer-199	263	14	-	-	SYM
ajeer-199	263	15	61	61	NUM
ajeer-199	263	16	60	60	NUM
ajeer-199	263	17	thirdly	thirdly	ADV
ajeer-199	263	18	“	"	PUNCT
ajeer-199	263	19	personal	personal	ADJ
ajeer-199	263	20	factors	factor	NOUN
ajeer-199	263	21	”	"	PUNCT
ajeer-199	263	22	,	,	PUNCT
ajeer-199	263	23	such	such	ADJ
ajeer-199	263	24	as	as	ADP
ajeer-199	263	25	income	income	NOUN
ajeer-199	263	26	,	,	PUNCT
ajeer-199	263	27	amount	amount	NOUN
ajeer-199	263	28	in	in	ADP
ajeer-199	263	29	savings	saving	NOUN
ajeer-199	263	30	,	,	PUNCT
ajeer-199	263	31	dependents	dependent	NOUN
ajeer-199	263	32	and	and	CCONJ
ajeer-199	263	33	age	age	NOUN
ajeer-199	263	34	of	of	ADP
ajeer-199	263	35	individuals	individual	NOUN
ajeer-199	263	36	also	also	ADV
ajeer-199	263	37	affect	affect	VERB
ajeer-199	263	38	demand	demand	NOUN
ajeer-199	263	39	considerations	consideration	NOUN
ajeer-199	263	40	.	.	PUNCT
ajeer-199	264	1	better	well	ADJ
ajeer-199	264	2	per	per	ADP
ajeer-199	264	3	capita	capita	X
ajeer-199	264	4	income	income	NOUN
ajeer-199	264	5	,	,	PUNCT
ajeer-199	264	6	interest	interest	NOUN
ajeer-199	264	7	on	on	ADP
ajeer-199	264	8	savings	saving	NOUN
ajeer-199	264	9	and	and	CCONJ
ajeer-199	264	10	packages	package	NOUN
ajeer-199	264	11	from	from	ADP
ajeer-199	264	12	mortgage	mortgage	NOUN
ajeer-199	264	13	lenders	lender	NOUN
ajeer-199	264	14	for	for	ADP
ajeer-199	264	15	families	family	NOUN
ajeer-199	264	16	can	can	AUX
ajeer-199	264	17	help	help	VERB
ajeer-199	264	18	households	household	NOUN
ajeer-199	264	19	in	in	ADP
ajeer-199	264	20	this	this	DET
ajeer-199	264	21	criteria	criterion	NOUN
ajeer-199	264	22	.	.	PUNCT
ajeer-199	265	1	lastly	lastly	ADV
ajeer-199	265	2	,	,	PUNCT
ajeer-199	265	3	“	"	PUNCT
ajeer-199	265	4	economic	economic	ADJ
ajeer-199	265	5	factors	factor	NOUN
ajeer-199	265	6	”	"	PUNCT
ajeer-199	265	7	,	,	PUNCT
ajeer-199	265	8	most	most	ADV
ajeer-199	265	9	importantly	importantly	ADV
ajeer-199	265	10	interest	interest	NOUN
ajeer-199	265	11	rates	rate	NOUN
ajeer-199	265	12	on	on	ADP
ajeer-199	265	13	repayments	repayment	NOUN
ajeer-199	265	14	of	of	ADP
ajeer-199	265	15	mortgages	mortgage	NOUN
ajeer-199	265	16	need	need	VERB
ajeer-199	265	17	to	to	PART
ajeer-199	265	18	be	be	AUX
ajeer-199	265	19	reasonable	reasonable	ADJ
ajeer-199	265	20	.	.	PUNCT
ajeer-199	266	1	furthermore	furthermore	ADV
ajeer-199	266	2	,	,	PUNCT
ajeer-199	266	3	“	"	PUNCT
ajeer-199	266	4	exchange	exchange	NOUN
ajeer-199	266	5	rates	rate	NOUN
ajeer-199	266	6	”	"	PUNCT
ajeer-199	266	7	in	in	ADP
ajeer-199	266	8	ghana	ghana	PROPN
ajeer-199	266	9	as	as	ADP
ajeer-199	266	10	a	a	DET
ajeer-199	266	11	demand	demand	NOUN
ajeer-199	266	12	consideration	consideration	NOUN
ajeer-199	266	13	is	be	AUX
ajeer-199	266	14	not	not	PART
ajeer-199	266	15	surprising	surprising	ADJ
ajeer-199	266	16	as	as	SCONJ
ajeer-199	266	17	the	the	DET
ajeer-199	266	18	nation	nation	NOUN
ajeer-199	266	19	is	be	AUX
ajeer-199	266	20	very	very	ADV
ajeer-199	266	21	dependent	dependent	ADJ
ajeer-199	266	22	on	on	ADP
ajeer-199	266	23	the	the	DET
ajeer-199	266	24	dollar	dollar	NOUN
ajeer-199	266	25	.	.	PUNCT
ajeer-199	267	1	most	most	ADJ
ajeer-199	267	2	houses	house	NOUN
ajeer-199	267	3	are	be	AUX
ajeer-199	267	4	sold	sell	VERB
ajeer-199	267	5	in	in	ADP
ajeer-199	267	6	dollars	dollar	NOUN
ajeer-199	267	7	on	on	ADP
ajeer-199	267	8	the	the	DET
ajeer-199	267	9	housing	housing	NOUN
ajeer-199	267	10	market	market	NOUN
ajeer-199	267	11	and	and	CCONJ
ajeer-199	267	12	fluctuations	fluctuation	NOUN
ajeer-199	267	13	in	in	ADP
ajeer-199	267	14	exchange	exchange	NOUN
ajeer-199	267	15	rates	rate	NOUN
ajeer-199	267	16	can	can	AUX
ajeer-199	267	17	make	make	VERB
ajeer-199	267	18	house	house	NOUN
ajeer-199	267	19	prices	price	NOUN
ajeer-199	267	20	rise	rise	VERB
ajeer-199	267	21	when	when	SCONJ
ajeer-199	267	22	the	the	DET
ajeer-199	267	23	dollar	dollar	NOUN
ajeer-199	267	24	appreciates	appreciate	VERB
ajeer-199	267	25	against	against	ADP
ajeer-199	267	26	the	the	DET
ajeer-199	267	27	cedi	cedi	NOUN
ajeer-199	267	28	.	.	PUNCT
ajeer-199	268	1	causing	cause	VERB
ajeer-199	268	2	its	its	PRON
ajeer-199	268	3	own	own	ADJ
ajeer-199	268	4	form	form	NOUN
ajeer-199	268	5	of	of	ADP
ajeer-199	268	6	inflation	inflation	NOUN
ajeer-199	268	7	.	.	PUNCT
ajeer-199	269	1	law	law	NOUN
ajeer-199	269	2	on	on	ADP
ajeer-199	269	3	house	house	NOUN
ajeer-199	269	4	pricing	pricing	NOUN
ajeer-199	269	5	in	in	ADP
ajeer-199	269	6	local	local	ADJ
ajeer-199	269	7	currency	currency	NOUN
ajeer-199	269	8	is	be	AUX
ajeer-199	269	9	imperative	imperative	ADJ
ajeer-199	269	10	to	to	PART
ajeer-199	269	11	help	help	VERB
ajeer-199	269	12	this	this	DET
ajeer-199	269	13	criteria	criterion	NOUN
ajeer-199	269	14	.	.	PUNCT
ajeer-199	270	1	in	in	ADP
ajeer-199	270	2	conclusion	conclusion	NOUN
ajeer-199	270	3	households	household	NOUN
ajeer-199	270	4	who	who	PRON
ajeer-199	270	5	want	want	VERB
ajeer-199	270	6	to	to	PART
ajeer-199	270	7	acquire	acquire	VERB
ajeer-199	270	8	properties	property	NOUN
ajeer-199	270	9	should	should	AUX
ajeer-199	270	10	acquire	acquire	VERB
ajeer-199	270	11	properties	property	NOUN
ajeer-199	270	12	through	through	ADP
ajeer-199	270	13	mortgages	mortgage	NOUN
ajeer-199	270	14	because	because	SCONJ
ajeer-199	270	15	of	of	ADP
ajeer-199	270	16	its	its	PRON
ajeer-199	270	17	long	long	ADJ
ajeer-199	270	18	life	life	NOUN
ajeer-199	270	19	span	span	NOUN
ajeer-199	270	20	and	and	CCONJ
ajeer-199	270	21	it	it	PRON
ajeer-199	270	22	ability	ability	NOUN
ajeer-199	270	23	of	of	ADP
ajeer-199	270	24	freeing	free	VERB
ajeer-199	270	25	up	up	ADP
ajeer-199	270	26	capital	capital	NOUN
ajeer-199	270	27	for	for	ADP
ajeer-199	270	28	further	further	ADJ
ajeer-199	270	29	income	income	NOUN
ajeer-199	270	30	generation	generation	NOUN
ajeer-199	270	31	.	.	PUNCT
ajeer-199	271	1	references	reference	NOUN
ajeer-199	271	2	alm	alm	PROPN
ajeer-199	271	3	,	,	PUNCT
ajeer-199	271	4	j.	j.	PROPN
ajeer-199	271	5	and	and	CCONJ
ajeer-199	271	6	j.r	j.r	PROPN
ajeer-199	271	7	.	.	PROPN
ajeer-199	271	8	follain	follain	PROPN
ajeer-199	271	9	,	,	PUNCT
ajeer-199	271	10	1987	1987	NUM
ajeer-199	271	11	.	.	PUNCT
ajeer-199	272	1	consumer	consumer	NOUN
ajeer-199	272	2	demand	demand	NOUN
ajeer-199	272	3	for	for	ADP
ajeer-199	272	4	adjustable	adjustable	ADJ
ajeer-199	272	5	rate	rate	NOUN
ajeer-199	272	6	mortgages	mortgage	NOUN
ajeer-199	272	7	.	.	PUNCT
ajeer-199	273	1	housing	housing	NOUN
ajeer-199	273	2	finance	finance	PROPN
ajeer-199	273	3	review	review	PROPN
ajeer-199	273	4	,	,	PUNCT
ajeer-199	273	5	6(1	6(1	NUM
ajeer-199	273	6	):	):	PUNCT
ajeer-199	273	7	1	1	NUM
ajeer-199	273	8	-	-	SYM
ajeer-199	273	9	16	16	NUM
ajeer-199	273	10	.	.	PUNCT
ajeer-199	274	1	asare	asare	PROPN
ajeer-199	274	2	,	,	PUNCT
ajeer-199	274	3	e.	e.	PROPN
ajeer-199	274	4	and	and	CCONJ
ajeer-199	274	5	c.	c.	PROPN
ajeer-199	274	6	whitehead	whitehead	PROPN
ajeer-199	274	7	,	,	PUNCT
ajeer-199	274	8	2006	2006	NUM
ajeer-199	274	9	.	.	PUNCT
ajeer-199	275	1	formal	formal	ADJ
ajeer-199	275	2	mortgage	mortgage	NOUN
ajeer-199	275	3	markets	market	NOUN
ajeer-199	275	4	in	in	ADP
ajeer-199	275	5	ghana	ghana	PROPN
ajeer-199	275	6	:	:	PUNCT
ajeer-199	275	7	nature	nature	NOUN
ajeer-199	275	8	and	and	CCONJ
ajeer-199	275	9	implications	implication	NOUN
ajeer-199	275	10	.	.	PUNCT
ajeer-199	276	1	rics	rics	PROPN
ajeer-199	276	2	research	research	PROPN
ajeer-199	276	3	paper	paper	NOUN
ajeer-199	276	4	series	series	NOUN
ajeer-199	276	5	,	,	PUNCT
ajeer-199	276	6	6(13	6(13	NUM
ajeer-199	276	7	):	):	PUNCT
ajeer-199	276	8	1	1	NUM
ajeer-199	276	9	-	-	SYM
ajeer-199	276	10	30	30	NUM
ajeer-199	276	11	.	.	PUNCT
ajeer-199	277	1	barr	barr	PROPN
ajeer-199	277	2	,	,	PUNCT
ajeer-199	277	3	m.s	m.s	PROPN
ajeer-199	277	4	.	.	PROPN
ajeer-199	277	5	,	,	PUNCT
ajeer-199	277	6	s.	s.	PROPN
ajeer-199	277	7	mullainathan	mullainathan	PROPN
ajeer-199	277	8	and	and	CCONJ
ajeer-199	277	9	e.	e.	PROPN
ajeer-199	277	10	shafir	shafir	PROPN
ajeer-199	277	11	,	,	PUNCT
ajeer-199	277	12	2008	2008	NUM
ajeer-199	277	13	.	.	PUNCT
ajeer-199	278	1	behaviorally	behaviorally	ADV
ajeer-199	278	2	informed	inform	VERB
ajeer-199	278	3	home	home	NOUN
ajeer-199	278	4	mortgage	mortgage	NOUN
ajeer-199	278	5	credit	credit	NOUN
ajeer-199	278	6	regulation	regulation	NOUN
ajeer-199	278	7	.	.	PUNCT
ajeer-199	279	1	borrowing	borrow	VERB
ajeer-199	279	2	to	to	PART
ajeer-199	279	3	live	live	VERB
ajeer-199	279	4	:	:	PUNCT
ajeer-199	279	5	consumer	consumer	NOUN
ajeer-199	279	6	and	and	CCONJ
ajeer-199	279	7	mortgage	mortgage	NOUN
ajeer-199	279	8	credit	credit	NOUN
ajeer-199	279	9	revisited	revisit	VERB
ajeer-199	279	10	,	,	PUNCT
ajeer-199	279	11	7(2	7(2	NUM
ajeer-199	279	12	):	):	PUNCT
ajeer-199	279	13	170	170	NUM
ajeer-199	279	14	-	-	SYM
ajeer-199	279	15	203	203	NUM
ajeer-199	279	16	.	.	PUNCT
ajeer-199	280	1	brueckner	brueckner	NOUN
ajeer-199	280	2	,	,	PUNCT
ajeer-199	280	3	j.k	j.k	PROPN
ajeer-199	280	4	.	.	PROPN
ajeer-199	280	5	,	,	PUNCT
ajeer-199	280	6	1986	1986	NUM
ajeer-199	280	7	.	.	PUNCT
ajeer-199	281	1	the	the	DET
ajeer-199	281	2	pricing	pricing	NOUN
ajeer-199	281	3	of	of	ADP
ajeer-199	281	4	interest	interest	NOUN
ajeer-199	281	5	-	-	PUNCT
ajeer-199	281	6	rate	rate	NOUN
ajeer-199	281	7	caps	cap	NOUN
ajeer-199	281	8	and	and	CCONJ
ajeer-199	281	9	consumer	consumer	NOUN
ajeer-199	281	10	choice	choice	NOUN
ajeer-199	281	11	in	in	ADP
ajeer-199	281	12	the	the	DET
ajeer-199	281	13	market	market	NOUN
ajeer-199	281	14	for	for	ADP
ajeer-199	281	15	adjustable	adjustable	ADJ
ajeer-199	281	16	-	-	PUNCT
ajeer-199	281	17	rate	rate	NOUN
ajeer-199	281	18	mortgages	mortgage	NOUN
ajeer-199	281	19	.	.	PUNCT
ajeer-199	282	1	housing	housing	NOUN
ajeer-199	282	2	finance	finance	PROPN
ajeer-199	282	3	review	review	NOUN
ajeer-199	282	4	,	,	PUNCT
ajeer-199	282	5	5(2	5(2	NUM
ajeer-199	282	6	):	):	PUNCT
ajeer-199	282	7	119	119	NUM
ajeer-199	282	8	-	-	SYM
ajeer-199	282	9	136	136	NUM
ajeer-199	282	10	.	.	PUNCT
ajeer-199	283	1	brueckner	brueckner	NOUN
ajeer-199	283	2	,	,	PUNCT
ajeer-199	283	3	j.k	j.k	PROPN
ajeer-199	283	4	.	.	PROPN
ajeer-199	283	5	and	and	CCONJ
ajeer-199	283	6	j.r	j.r	PROPN
ajeer-199	283	7	.	.	PROPN
ajeer-199	283	8	follain	follain	PROPN
ajeer-199	283	9	,	,	PUNCT
ajeer-199	283	10	1988	1988	NUM
ajeer-199	283	11	.	.	PUNCT
ajeer-199	284	1	the	the	DET
ajeer-199	284	2	rise	rise	NOUN
ajeer-199	284	3	and	and	CCONJ
ajeer-199	284	4	fall	fall	NOUN
ajeer-199	284	5	of	of	ADP
ajeer-199	284	6	the	the	DET
ajeer-199	284	7	arm	arm	NOUN
ajeer-199	284	8	:	:	PUNCT
ajeer-199	284	9	an	an	DET
ajeer-199	284	10	econometric	econometric	ADJ
ajeer-199	284	11	analysis	analysis	NOUN
ajeer-199	284	12	of	of	ADP
ajeer-199	284	13	mortgage	mortgage	NOUN
ajeer-199	284	14	choice	choice	NOUN
ajeer-199	284	15	.	.	PUNCT
ajeer-199	285	1	the	the	DET
ajeer-199	285	2	review	review	NOUN
ajeer-199	285	3	of	of	ADP
ajeer-199	285	4	economics	economic	NOUN
ajeer-199	285	5	and	and	CCONJ
ajeer-199	285	6	statistics	statistic	NOUN
ajeer-199	285	7	,	,	PUNCT
ajeer-199	285	8	1(1	1(1	NUM
ajeer-199	285	9	):	):	PUNCT
ajeer-199	285	10	93	93	NUM
ajeer-199	285	11	-	-	SYM
ajeer-199	285	12	102	102	NUM
ajeer-199	285	13	.	.	PUNCT
ajeer-199	286	1	buckley	buckley	PROPN
ajeer-199	286	2	,	,	PUNCT
ajeer-199	286	3	j.j	j.j	PROPN
ajeer-199	286	4	.	.	PROPN
ajeer-199	286	5	,	,	PUNCT
ajeer-199	286	6	1985	1985	NUM
ajeer-199	286	7	.	.	PUNCT
ajeer-199	287	1	fuzzy	fuzzy	ADJ
ajeer-199	287	2	hierarchical	hierarchical	ADJ
ajeer-199	287	3	analysis	analysis	NOUN
ajeer-199	287	4	.	.	PUNCT
ajeer-199	288	1	fuzzy	fuzzy	ADJ
ajeer-199	288	2	sets	set	NOUN
ajeer-199	288	3	and	and	CCONJ
ajeer-199	288	4	systems	system	NOUN
ajeer-199	288	5	,	,	PUNCT
ajeer-199	288	6	17(3	17(3	NUM
ajeer-199	288	7	):	):	PUNCT
ajeer-199	288	8	233	233	NUM
ajeer-199	288	9	-	-	SYM
ajeer-199	288	10	247	247	NUM
ajeer-199	288	11	.	.	PUNCT
ajeer-199	289	1	bucks	buck	NOUN
ajeer-199	289	2	,	,	PUNCT
ajeer-199	289	3	b.	b.	PROPN
ajeer-199	289	4	and	and	CCONJ
ajeer-199	289	5	k.	k.	PROPN
ajeer-199	289	6	pence	pence	PROPN
ajeer-199	289	7	,	,	PUNCT
ajeer-199	289	8	2008	2008	NUM
ajeer-199	289	9	.	.	PUNCT
ajeer-199	290	1	do	do	AUX
ajeer-199	290	2	borrowers	borrower	NOUN
ajeer-199	290	3	know	know	VERB
ajeer-199	290	4	their	their	PRON
ajeer-199	290	5	mortgage	mortgage	NOUN
ajeer-199	290	6	terms	term	NOUN
ajeer-199	290	7	.	.	PUNCT
ajeer-199	291	1	journal	journal	NOUN
ajeer-199	291	2	of	of	ADP
ajeer-199	291	3	urban	urban	ADJ
ajeer-199	291	4	economics	economic	NOUN
ajeer-199	291	5	,	,	PUNCT
ajeer-199	291	6	64(2	64(2	NUM
ajeer-199	291	7	):	):	PUNCT
ajeer-199	291	8	218	218	NUM
ajeer-199	291	9	-	-	SYM
ajeer-199	291	10	233	233	NUM
ajeer-199	291	11	.	.	PUNCT
ajeer-199	292	1	campbell	campbell	PROPN
ajeer-199	292	2	,	,	PUNCT
ajeer-199	292	3	j.y	j.y	PROPN
ajeer-199	292	4	.	.	PROPN
ajeer-199	292	5	,	,	PUNCT
ajeer-199	292	6	2013	2013	NUM
ajeer-199	292	7	.	.	PUNCT
ajeer-199	293	1	mortgage	mortgage	NOUN
ajeer-199	293	2	market	market	NOUN
ajeer-199	293	3	design	design	NOUN
ajeer-199	293	4	.	.	PUNCT
ajeer-199	294	1	review	review	NOUN
ajeer-199	294	2	of	of	ADP
ajeer-199	294	3	finance	finance	NOUN
ajeer-199	294	4	,	,	PUNCT
ajeer-199	294	5	17(1	17(1	NUM
ajeer-199	294	6	):	):	PUNCT
ajeer-199	294	7	1	1	NUM
ajeer-199	294	8	-	-	SYM
ajeer-199	294	9	33	33	NUM
ajeer-199	294	10	.	.	PUNCT
ajeer-199	295	1	campbell	campbell	PROPN
ajeer-199	295	2	,	,	PUNCT
ajeer-199	295	3	j.y	j.y	PROPN
ajeer-199	295	4	.	.	PROPN
ajeer-199	295	5	and	and	CCONJ
ajeer-199	295	6	j.f	j.f	PROPN
ajeer-199	295	7	.	.	PROPN
ajeer-199	295	8	cocco	cocco	PROPN
ajeer-199	295	9	,	,	PUNCT
ajeer-199	295	10	2003	2003	NUM
ajeer-199	295	11	.	.	PUNCT
ajeer-199	296	1	household	household	NOUN
ajeer-199	296	2	risk	risk	NOUN
ajeer-199	296	3	management	management	NOUN
ajeer-199	296	4	and	and	CCONJ
ajeer-199	296	5	optimal	optimal	ADJ
ajeer-199	296	6	mortgage	mortgage	NOUN
ajeer-199	296	7	choice	choice	NOUN
ajeer-199	296	8	.	.	PUNCT
ajeer-199	297	1	the	the	DET
ajeer-199	297	2	quarterly	quarterly	ADJ
ajeer-199	297	3	journal	journal	NOUN
ajeer-199	297	4	of	of	ADP
ajeer-199	297	5	economics	economic	NOUN
ajeer-199	297	6	,	,	PUNCT
ajeer-199	297	7	118(1	118(1	NUM
ajeer-199	297	8	):	):	PUNCT
ajeer-199	297	9	1449	1449	NUM
ajeer-199	297	10	-	-	SYM
ajeer-199	297	11	1494	1494	NUM
ajeer-199	297	12	.	.	PUNCT
ajeer-199	298	1	campbell	campbell	PROPN
ajeer-199	298	2	,	,	PUNCT
ajeer-199	298	3	j.y	j.y	PROPN
ajeer-199	298	4	.	.	PROPN
ajeer-199	298	5	and	and	CCONJ
ajeer-199	298	6	j.f	j.f	PROPN
ajeer-199	298	7	.	.	PROPN
ajeer-199	298	8	cocco	cocco	PROPN
ajeer-199	298	9	,	,	PUNCT
ajeer-199	298	10	2007	2007	NUM
ajeer-199	298	11	.	.	PUNCT
ajeer-199	299	1	how	how	SCONJ
ajeer-199	299	2	do	do	AUX
ajeer-199	299	3	house	house	NOUN
ajeer-199	299	4	prices	price	NOUN
ajeer-199	299	5	affect	affect	VERB
ajeer-199	299	6	consumption	consumption	NOUN
ajeer-199	299	7	?	?	PUNCT
ajeer-199	300	1	evidence	evidence	NOUN
ajeer-199	300	2	from	from	ADP
ajeer-199	300	3	micro	micro	PROPN
ajeer-199	300	4	data	data	PROPN
ajeer-199	300	5	.	.	PUNCT
ajeer-199	301	1	journal	journal	PROPN
ajeer-199	301	2	of	of	ADP
ajeer-199	301	3	monetary	monetary	ADJ
ajeer-199	301	4	economics	economic	NOUN
ajeer-199	301	5	,	,	PUNCT
ajeer-199	301	6	54(3	54(3	NUM
ajeer-199	301	7	):	):	PUNCT
ajeer-199	301	8	591	591	NUM
ajeer-199	301	9	-	-	SYM
ajeer-199	301	10	621	621	NUM
ajeer-199	301	11	.	.	PUNCT
ajeer-199	302	1	chang	chang	PROPN
ajeer-199	302	2	,	,	PUNCT
ajeer-199	302	3	d.y	d.y	PROPN
ajeer-199	302	4	.	.	PROPN
ajeer-199	302	5	,	,	PUNCT
ajeer-199	302	6	1996	1996	NUM
ajeer-199	302	7	.	.	PUNCT
ajeer-199	303	1	applications	application	NOUN
ajeer-199	303	2	of	of	ADP
ajeer-199	303	3	the	the	DET
ajeer-199	303	4	extent	extent	NOUN
ajeer-199	303	5	analysis	analysis	NOUN
ajeer-199	303	6	method	method	NOUN
ajeer-199	303	7	on	on	ADP
ajeer-199	303	8	fuzzy	fuzzy	ADJ
ajeer-199	303	9	ahp	ahp	PROPN
ajeer-199	303	10	.	.	PUNCT
ajeer-199	304	1	european	european	PROPN
ajeer-199	304	2	journal	journal	PROPN
ajeer-199	304	3	of	of	ADP
ajeer-199	304	4	operational	operational	ADJ
ajeer-199	304	5	research	research	NOUN
ajeer-199	304	6	,	,	PUNCT
ajeer-199	304	7	95(3	95(3	NUM
ajeer-199	304	8	):	):	PUNCT
ajeer-199	304	9	649	649	NUM
ajeer-199	304	10	-	-	SYM
ajeer-199	304	11	655	655	NUM
ajeer-199	304	12	.	.	PUNCT
ajeer-199	305	1	chen	chen	PROPN
ajeer-199	305	2	,	,	PUNCT
ajeer-199	305	3	s.m	s.m	PROPN
ajeer-199	305	4	.	.	PROPN
ajeer-199	305	5	,	,	PUNCT
ajeer-199	305	6	r.	r.	PROPN
ajeer-199	305	7	li	li	PROPN
ajeer-199	305	8	and	and	CCONJ
ajeer-199	305	9	b.q	b.q	PROPN
ajeer-199	305	10	.	.	PROPN
ajeer-199	305	11	tang	tang	PROPN
ajeer-199	305	12	,	,	PUNCT
ajeer-199	305	13	2012	2012	NUM
ajeer-199	305	14	.	.	PUNCT
ajeer-199	306	1	group	group	NOUN
ajeer-199	306	2	-	-	PUNCT
ajeer-199	306	3	buying	buy	VERB
ajeer-199	306	4	website	website	NOUN
ajeer-199	306	5	evaluation	evaluation	NOUN
ajeer-199	306	6	based	base	VERB
ajeer-199	306	7	on	on	ADP
ajeer-199	306	8	combination	combination	NOUN
ajeer-199	306	9	of	of	ADP
ajeer-199	306	10	topsis	topsis	NOUN
ajeer-199	306	11	,	,	PUNCT
ajeer-199	306	12	entropy	entropy	VERB
ajeer-199	306	13	weight	weight	NOUN
ajeer-199	306	14	and	and	CCONJ
ajeer-199	306	15	fahp	fahp	NOUN
ajeer-199	306	16	.	.	PUNCT
ajeer-199	307	1	journal	journal	PROPN
ajeer-199	307	2	of	of	ADP
ajeer-199	307	3	convergence	convergence	NOUN
ajeer-199	307	4	information	information	NOUN
ajeer-199	307	5	technology	technology	NOUN
ajeer-199	307	6	,	,	PUNCT
ajeer-199	307	7	7(7	7(7	NUM
ajeer-199	307	8	):	):	PUNCT
ajeer-199	307	9	130	130	NUM
ajeer-199	307	10	-	-	SYM
ajeer-199	307	11	139	139	NUM
ajeer-199	307	12	.	.	PUNCT
ajeer-199	307	13	contributor	contributor	NOUN
ajeer-199	307	14	,	,	PUNCT
ajeer-199	307	15	2009	2009	NUM
ajeer-199	307	16	.	.	PUNCT
ajeer-199	308	1	ghana	ghana	PROPN
ajeer-199	308	2	has	have	VERB
ajeer-199	308	3	one	one	NUM
ajeer-199	308	4	million	million	NUM
ajeer-199	308	5	housing	housing	NOUN
ajeer-199	308	6	deficit	deficit	NOUN
ajeer-199	308	7	.	.	PUNCT
ajeer-199	309	1	the	the	DET
ajeer-199	309	2	ghanaian	ghanaian	ADJ
ajeer-199	309	3	journal	journal	NOUN
ajeer-199	309	4	.	.	PUNCT
ajeer-199	310	1	available	available	ADJ
ajeer-199	310	2	from	from	ADP
ajeer-199	310	3	http://www.theghanaianjournal.com/2009/09/17/ghana-has-one-million-housing-deficit-veep/	http://www.theghanaianjournal.com/2009/09/17/ghana-has-one-million-housing-deficit-veep/	PROPN
ajeer-199	311	1	[	[	PUNCT
ajeer-199	311	2	accessed	access	VERB
ajeer-199	311	3	17	17	NUM
ajeer-199	311	4	february	february	NOUN
ajeer-199	311	5	2015	2015	NUM
ajeer-199	311	6	]	]	PUNCT
ajeer-199	311	7	.	.	PUNCT
ajeer-199	312	1	coomson	coomson	PROPN
ajeer-199	312	2	,	,	PUNCT
ajeer-199	312	3	j.	j.	PROPN
ajeer-199	312	4	,	,	PUNCT
ajeer-199	312	5	2006	2006	NUM
ajeer-199	312	6	.	.	PUNCT
ajeer-199	313	1	ghana	ghana	PROPN
ajeer-199	313	2	home	home	PROPN
ajeer-199	313	3	loans	loan	NOUN
ajeer-199	313	4	company	company	NOUN
ajeer-199	313	5	receives	receive	VERB
ajeer-199	313	6	bank	bank	NOUN
ajeer-199	313	7	of	of	ADP
ajeer-199	313	8	ghana	ghana	PROPN
ajeer-199	313	9	license	license	NOUN
ajeer-199	313	10	.	.	PUNCT
ajeer-199	314	1	ghanaian	ghanaian	ADJ
ajeer-199	314	2	chronicle	chronicle	PROPN
ajeer-199	314	3	.	.	PUNCT
ajeer-199	315	1	available	available	ADJ
ajeer-199	315	2	from	from	ADP
ajeer-199	315	3	http://allafrica.com/stories/200607200486.html	http://allafrica.com/stories/200607200486.html	NOUN
ajeer-199	315	4	[	[	X
ajeer-199	315	5	accessed	access	VERB
ajeer-199	315	6	12	12	NUM
ajeer-199	315	7	march	march	NOUN
ajeer-199	315	8	2015	2015	NUM
ajeer-199	315	9	]	]	PUNCT
ajeer-199	315	10	.	.	PUNCT
ajeer-199	316	1	duffy	duffy	PROPN
ajeer-199	316	2	,	,	PUNCT
ajeer-199	316	3	d.	d.	PROPN
ajeer-199	316	4	and	and	CCONJ
ajeer-199	316	5	m.j	m.j	PROPN
ajeer-199	316	6	.	.	PROPN
ajeer-199	316	7	roche	roche	PROPN
ajeer-199	316	8	,	,	PUNCT
ajeer-199	316	9	2005	2005	NUM
ajeer-199	316	10	.	.	PUNCT
ajeer-199	317	1	heterogeneous	heterogeneous	ADJ
ajeer-199	317	2	homebuyers	homebuyer	NOUN
ajeer-199	317	3	,	,	PUNCT
ajeer-199	317	4	mortgage	mortgage	NOUN
ajeer-199	317	5	choice	choice	NOUN
ajeer-199	317	6	and	and	CCONJ
ajeer-199	317	7	the	the	DET
ajeer-199	317	8	use	use	NOUN
ajeer-199	317	9	of	of	ADP
ajeer-199	317	10	mortgage	mortgage	NOUN
ajeer-199	317	11	brokers	broker	NOUN
ajeer-199	317	12	.	.	PUNCT
ajeer-199	318	1	journal	journal	PROPN
ajeer-199	318	2	of	of	ADP
ajeer-199	318	3	economic	economic	ADJ
ajeer-199	318	4	literature	literature	NOUN
ajeer-199	318	5	,	,	PUNCT
ajeer-199	318	6	classification	classification	NOUN
ajeer-199	318	7	,	,	PUNCT
ajeer-199	318	8	40(51	40(51	NUM
ajeer-199	318	9	):	):	PUNCT
ajeer-199	318	10	1	1	NUM
ajeer-199	318	11	-	-	SYM
ajeer-199	318	12	29	29	NUM
ajeer-199	318	13	.	.	PUNCT
ajeer-199	319	1	erguden	erguden	PROPN
ajeer-199	319	2	,	,	PUNCT
ajeer-199	319	3	s.	s.	PROPN
ajeer-199	319	4	,	,	PUNCT
ajeer-199	319	5	2002	2002	NUM
ajeer-199	319	6	.	.	PUNCT
ajeer-199	320	1	housing	housing	NOUN
ajeer-199	320	2	for	for	ADP
ajeer-199	320	3	the	the	DET
ajeer-199	320	4	poor	poor	ADJ
ajeer-199	320	5	:	:	PUNCT
ajeer-199	320	6	policies	policy	NOUN
ajeer-199	320	7	and	and	CCONJ
ajeer-199	320	8	constraints	constraint	NOUN
ajeer-199	320	9	in	in	ADP
ajeer-199	320	10	developing	develop	VERB
ajeer-199	320	11	countries	country	NOUN
ajeer-199	320	12	.	.	PUNCT
ajeer-199	321	1	paper	paper	NOUN
ajeer-199	321	2	presented	present	VERB
ajeer-199	321	3	at	at	ADP
ajeer-199	321	4	the	the	DET
ajeer-199	321	5	conference	conference	NOUN
ajeer-199	321	6	on	on	ADP
ajeer-199	321	7	housing	housing	NOUN
ajeer-199	321	8	and	and	CCONJ
ajeer-199	321	9	urban	urban	ADJ
ajeer-199	321	10	development	development	NOUN
ajeer-199	321	11	for	for	ADP
ajeer-199	321	12	lowincome	lowincome	NOUN
ajeer-199	321	13	groups	group	NOUN
ajeer-199	321	14	in	in	ADP
ajeer-199	321	15	sub	sub	ADJ
ajeer-199	321	16	-	-	ADJ
ajeer-199	321	17	saharan	saharan	ADJ
ajeer-199	321	18	africa	africa	PROPN
ajeer-199	321	19	,	,	PUNCT
ajeer-199	321	20	accra	accra	PROPN
ajeer-199	321	21	,	,	PUNCT
ajeer-199	321	22	ghana	ghana	PROPN
ajeer-199	321	23	.	.	PUNCT
ajeer-199	322	1	essene	essene	PROPN
ajeer-199	322	2	,	,	PUNCT
ajeer-199	322	3	s.	s.	PROPN
ajeer-199	322	4	and	and	CCONJ
ajeer-199	322	5	w.	w.	PROPN
ajeer-199	322	6	apgar	apgar	PROPN
ajeer-199	322	7	,	,	PUNCT
ajeer-199	322	8	2007	2007	NUM
ajeer-199	322	9	.	.	PUNCT
ajeer-199	323	1	understanding	understand	VERB
ajeer-199	323	2	mortgage	mortgage	NOUN
ajeer-199	323	3	market	market	NOUN
ajeer-199	323	4	behavior	behavior	NOUN
ajeer-199	323	5	:	:	PUNCT
ajeer-199	323	6	creating	create	VERB
ajeer-199	323	7	good	good	ADJ
ajeer-199	323	8	mortgage	mortgage	NOUN
ajeer-199	323	9	options	option	NOUN
ajeer-199	323	10	for	for	ADP
ajeer-199	323	11	all	all	DET
ajeer-199	323	12	americans	americans	PROPN
ajeer-199	323	13	.	.	PUNCT
ajeer-199	324	1	harvard	harvard	PROPN
ajeer-199	324	2	university	university	PROPN
ajeer-199	324	3	,	,	PUNCT
ajeer-199	324	4	joint	joint	ADJ
ajeer-199	324	5	center	center	NOUN
ajeer-199	324	6	for	for	ADP
ajeer-199	324	7	housing	housing	NOUN
ajeer-199	324	8	studies	study	NOUN
ajeer-199	324	9	.	.	PUNCT
ajeer-199	325	1	working	work	VERB
ajeer-199	325	2	paper	paper	NOUN
ajeer-199	325	3	mm07	mm07	PROPN
ajeer-199	325	4	-	-	PUNCT
ajeer-199	325	5	1	1	PROPN
ajeer-199	325	6	.	.	PUNCT
ajeer-199	325	7	gan	gan	PROPN
ajeer-199	325	8	,	,	PUNCT
ajeer-199	325	9	q.	q.	PROPN
ajeer-199	325	10	and	and	CCONJ
ajeer-199	325	11	r.j	r.j	PROPN
ajeer-199	325	12	.	.	PROPN
ajeer-199	325	13	hill	hill	PROPN
ajeer-199	325	14	,	,	PUNCT
ajeer-199	325	15	2009	2009	NUM
ajeer-199	325	16	.	.	PUNCT
ajeer-199	326	1	measuring	measure	VERB
ajeer-199	326	2	housing	housing	NOUN
ajeer-199	326	3	affordability	affordability	NOUN
ajeer-199	326	4	:	:	PUNCT
ajeer-199	326	5	looking	look	VERB
ajeer-199	326	6	beyond	beyond	ADP
ajeer-199	326	7	the	the	DET
ajeer-199	326	8	median	median	PROPN
ajeer-199	326	9	.	.	PUNCT
ajeer-199	327	1	journal	journal	PROPN
ajeer-199	327	2	of	of	ADP
ajeer-199	327	3	housing	housing	NOUN
ajeer-199	327	4	economics	economic	NOUN
ajeer-199	327	5	,	,	PUNCT
ajeer-199	327	6	18(2	18(2	NUM
ajeer-199	327	7	):	):	PUNCT
ajeer-199	327	8	115	115	NUM
ajeer-199	327	9	-	-	SYM
ajeer-199	327	10	125	125	NUM
ajeer-199	327	11	.	.	PUNCT
ajeer-199	328	1	guiso	guiso	PROPN
ajeer-199	328	2	,	,	PUNCT
ajeer-199	328	3	l.	l.	PROPN
ajeer-199	328	4	,	,	PUNCT
ajeer-199	328	5	m.	m.	NOUN
ajeer-199	328	6	haliassos	haliassos	NOUN
ajeer-199	328	7	and	and	CCONJ
ajeer-199	328	8	t.	t.	PROPN
ajeer-199	328	9	jappelli	jappelli	PROPN
ajeer-199	328	10	,	,	PUNCT
ajeer-199	328	11	2002	2002	NUM
ajeer-199	328	12	.	.	PUNCT
ajeer-199	329	1	household	household	NOUN
ajeer-199	329	2	portfolios	portfolio	NOUN
ajeer-199	329	3	.	.	PUNCT
ajeer-199	330	1	cambridge	cambridge	PROPN
ajeer-199	330	2	,	,	PUNCT
ajeer-199	330	3	ma	ma	PROPN
ajeer-199	330	4	:	:	PUNCT
ajeer-199	330	5	mit	mit	PROPN
ajeer-199	330	6	press	press	NOUN
ajeer-199	330	7	.	.	PUNCT
ajeer-199	331	1	gyamfi	gyamfi	PROPN
ajeer-199	331	2	-	-	PUNCT
ajeer-199	331	3	yeboah	yeboah	NOUN
ajeer-199	331	4	,	,	PUNCT
ajeer-199	331	5	f.	f.	PROPN
ajeer-199	331	6	and	and	CCONJ
ajeer-199	331	7	n.a	n.a	PROPN
ajeer-199	331	8	.	.	PROPN
ajeer-199	331	9	boamah	boamah	PROPN
ajeer-199	331	10	,	,	PUNCT
ajeer-199	331	11	2003	2003	NUM
ajeer-199	331	12	.	.	PUNCT
ajeer-199	332	1	toward	toward	ADP
ajeer-199	332	2	a	a	DET
ajeer-199	332	3	sustainable	sustainable	ADJ
ajeer-199	332	4	mortgage	mortgage	NOUN
ajeer-199	332	5	market	market	NOUN
ajeer-199	332	6	in	in	ADP
ajeer-199	332	7	ghana	ghana	PROPN
ajeer-199	332	8	.	.	PUNCT
ajeer-199	333	1	ghana	ghana	PROPN
ajeer-199	333	2	review	review	PROPN
ajeer-199	333	3	international	international	PROPN
ajeer-199	333	4	,	,	PUNCT
ajeer-199	333	5	2(5	2(5	NUM
ajeer-199	333	6	):	):	PUNCT
ajeer-199	333	7	8	8	NUM
ajeer-199	333	8	-	-	SYM
ajeer-199	333	9	19	19	NUM
ajeer-199	333	10	.	.	PUNCT
ajeer-199	334	1	hegedüs	hegedü	NOUN
ajeer-199	334	2	,	,	PUNCT
ajeer-199	334	3	j.	j.	PROPN
ajeer-199	334	4	and	and	CCONJ
ajeer-199	334	5	r.j	r.j	PROPN
ajeer-199	334	6	.	.	PROPN
ajeer-199	334	7	struyk	struyk	NOUN
ajeer-199	334	8	,	,	PUNCT
ajeer-199	334	9	2005	2005	NUM
ajeer-199	334	10	.	.	PUNCT
ajeer-199	335	1	housing	housing	NOUN
ajeer-199	335	2	finance	finance	NOUN
ajeer-199	335	3	:	:	PUNCT
ajeer-199	335	4	new	new	ADJ
ajeer-199	335	5	and	and	CCONJ
ajeer-199	335	6	old	old	ADJ
ajeer-199	335	7	models	model	NOUN
ajeer-199	335	8	in	in	ADP
ajeer-199	335	9	central	central	PROPN
ajeer-199	335	10	europe	europe	PROPN
ajeer-199	335	11	,	,	PUNCT
ajeer-199	335	12	russia	russia	PROPN
ajeer-199	335	13	,	,	PUNCT
ajeer-199	335	14	and	and	CCONJ
ajeer-199	335	15	kazahkstan	kazahkstan	PROPN
ajeer-199	335	16	.	.	PUNCT
ajeer-199	336	1	budapest	budapest	PROPN
ajeer-199	336	2	:	:	PUNCT
ajeer-199	336	3	open	open	PROPN
ajeer-199	336	4	society	society	PROPN
ajeer-199	336	5	institute	institute	NOUN
ajeer-199	336	6	:	:	PUNCT
ajeer-199	336	7	275	275	NUM
ajeer-199	336	8	.	.	X
ajeer-199	337	1	huang	huang	PROPN
ajeer-199	337	2	,	,	PUNCT
ajeer-199	337	3	h.c	h.c	PROPN
ajeer-199	337	4	.	.	PROPN
ajeer-199	337	5	,	,	PUNCT
ajeer-199	337	6	2012	2012	NUM
ajeer-199	337	7	.	.	PUNCT
ajeer-199	338	1	decision	decision	NOUN
ajeer-199	338	2	-	-	PUNCT
ajeer-199	338	3	making	make	VERB
ajeer-199	338	4	model	model	NOUN
ajeer-199	338	5	for	for	ADP
ajeer-199	338	6	convention	convention	NOUN
ajeer-199	338	7	site	site	NOUN
ajeer-199	338	8	selection	selection	NOUN
ajeer-199	338	9	.	.	PUNCT
ajeer-199	339	1	advanced	advanced	ADJ
ajeer-199	339	2	materials	material	NOUN
ajeer-199	339	3	research	research	NOUN
ajeer-199	339	4	,	,	PUNCT
ajeer-199	339	5	538(541	538(541	NUM
ajeer-199	339	6	):	):	PUNCT
ajeer-199	339	7	895	895	NUM
ajeer-199	339	8	-	-	SYM
ajeer-199	339	9	900	900	NUM
ajeer-199	339	10	.	.	PUNCT
ajeer-199	340	1	huang	huang	PROPN
ajeer-199	340	2	,	,	PUNCT
ajeer-199	340	3	h.c	h.c	PROPN
ajeer-199	340	4	.	.	PROPN
ajeer-199	340	5	,	,	PUNCT
ajeer-199	340	6	2012	2012	NUM
ajeer-199	340	7	.	.	PUNCT
ajeer-199	341	1	a	a	DET
ajeer-199	341	2	novel	novel	ADJ
ajeer-199	341	3	site	site	NOUN
ajeer-199	341	4	assessment	assessment	NOUN
ajeer-199	341	5	model	model	NOUN
ajeer-199	341	6	based	base	VERB
ajeer-199	341	7	on	on	ADP
ajeer-199	341	8	fuzzy	fuzzy	ADJ
ajeer-199	341	9	analytic	analytic	ADJ
ajeer-199	341	10	hierarchy	hierarchy	NOUN
ajeer-199	341	11	process	process	NOUN
ajeer-199	341	12	for	for	ADP
ajeer-199	341	13	water	water	NOUN
ajeer-199	341	14	recreation	recreation	NOUN
ajeer-199	341	15	activities	activity	NOUN
ajeer-199	341	16	.	.	PUNCT
ajeer-199	342	1	advances	advance	NOUN
ajeer-199	342	2	in	in	ADP
ajeer-199	342	3	information	information	NOUN
ajeer-199	342	4	sciences	science	NOUN
ajeer-199	342	5	and	and	CCONJ
ajeer-199	342	6	service	service	NOUN
ajeer-199	342	7	sciences	science	NOUN
ajeer-199	342	8	,	,	PUNCT
ajeer-199	342	9	4(21	4(21	NUM
ajeer-199	342	10	):	):	PUNCT
ajeer-199	342	11	72	72	NUM
ajeer-199	342	12	-	-	SYM
ajeer-199	342	13	81	81	NUM
ajeer-199	342	14	.	.	PUNCT
ajeer-199	343	1	karley	karley	NOUN
ajeer-199	343	2	,	,	PUNCT
ajeer-199	343	3	n.k	n.k	PROPN
ajeer-199	343	4	.	.	PROPN
ajeer-199	343	5	,	,	PUNCT
ajeer-199	343	6	2002	2002	NUM
ajeer-199	343	7	.	.	PUNCT
ajeer-199	344	1	alternative	alternative	ADJ
ajeer-199	344	2	options	option	NOUN
ajeer-199	344	3	to	to	ADP
ajeer-199	344	4	mortgages	mortgage	NOUN
ajeer-199	344	5	in	in	ADP
ajeer-199	344	6	ghana	ghana	PROPN
ajeer-199	344	7	.	.	PUNCT
ajeer-199	345	1	housing	housing	NOUN
ajeer-199	345	2	finance	finance	PROPN
ajeer-199	345	3	international	international	PROPN
ajeer-199	345	4	,	,	PUNCT
ajeer-199	345	5	17(2	17(2	NUM
ajeer-199	345	6	):	):	PUNCT
ajeer-199	345	7	26	26	NUM
ajeer-199	345	8	-	-	SYM
ajeer-199	345	9	30	30	NUM
ajeer-199	345	10	.	.	PUNCT
ajeer-199	346	1	keeney	keeney	PROPN
ajeer-199	346	2	,	,	PUNCT
ajeer-199	346	3	r.l	r.l	PROPN
ajeer-199	346	4	.	.	PROPN
ajeer-199	346	5	,	,	PUNCT
ajeer-199	346	6	1999	1999	NUM
ajeer-199	346	7	.	.	PUNCT
ajeer-199	347	1	the	the	DET
ajeer-199	347	2	value	value	NOUN
ajeer-199	347	3	of	of	ADP
ajeer-199	347	4	commerce	commerce	NOUN
ajeer-199	347	5	to	to	ADP
ajeer-199	347	6	the	the	DET
ajeer-199	347	7	customer	customer	NOUN
ajeer-199	347	8	.	.	PUNCT
ajeer-199	348	1	management	management	NOUN
ajeer-199	348	2	science	science	NOUN
ajeer-199	348	3	,	,	PUNCT
ajeer-199	348	4	45(4	45(4	NUM
ajeer-199	348	5	):	):	PUNCT
ajeer-199	348	6	533	533	NUM
ajeer-199	348	7	-	-	SYM
ajeer-199	348	8	542	542	NUM
ajeer-199	348	9	.	.	PUNCT
ajeer-199	349	1	kutty	kutty	PROPN
ajeer-199	349	2	,	,	PUNCT
ajeer-199	349	3	n.k	n.k	PROPN
ajeer-199	349	4	.	.	PROPN
ajeer-199	349	5	,	,	PUNCT
ajeer-199	349	6	2005	2005	NUM
ajeer-199	349	7	.	.	PUNCT
ajeer-199	350	1	a	a	DET
ajeer-199	350	2	new	new	ADJ
ajeer-199	350	3	measure	measure	NOUN
ajeer-199	350	4	of	of	ADP
ajeer-199	350	5	housing	housing	NOUN
ajeer-199	350	6	affordability	affordability	NOUN
ajeer-199	350	7	:	:	PUNCT
ajeer-199	350	8	estimates	estimate	NOUN
ajeer-199	350	9	and	and	CCONJ
ajeer-199	350	10	analytical	analytical	ADJ
ajeer-199	350	11	results	result	NOUN
ajeer-199	350	12	.	.	PUNCT
ajeer-199	351	1	housing	housing	NOUN
ajeer-199	351	2	policy	policy	NOUN
ajeer-199	351	3	debate	debate	NOUN
ajeer-199	351	4	,	,	PUNCT
ajeer-199	351	5	16(1	16(1	NUM
ajeer-199	351	6	):	):	PUNCT
ajeer-199	351	7	113	113	NUM
ajeer-199	351	8	-	-	SYM
ajeer-199	351	9	142	142	NUM
ajeer-199	351	10	.	.	PUNCT
ajeer-199	352	1	levina	levina	PROPN
ajeer-199	352	2	,	,	PUNCT
ajeer-199	352	3	i.	i.	PROPN
ajeer-199	352	4	and	and	CCONJ
ajeer-199	352	5	o.	o.	PROPN
ajeer-199	352	6	zamulin	zamulin	PROPN
ajeer-199	352	7	,	,	PUNCT
ajeer-199	352	8	2002	2002	NUM
ajeer-199	352	9	.	.	PUNCT
ajeer-199	353	1	foreign	foreign	ADJ
ajeer-199	353	2	currency	currency	NOUN
ajeer-199	353	3	pricing	pricing	NOUN
ajeer-199	353	4	.	.	PUNCT
ajeer-199	354	1	new	new	ADJ
ajeer-199	354	2	economics	economic	NOUN
ajeer-199	354	3	school	school	NOUN
ajeer-199	354	4	(	(	PUNCT
ajeer-199	354	5	nes	nes	PROPN
ajeer-199	354	6	)	)	PUNCT
ajeer-199	354	7	and	and	CCONJ
ajeer-199	354	8	centre	centre	NOUN
ajeer-199	354	9	for	for	ADP
ajeer-199	354	10	economic	economic	ADJ
ajeer-199	354	11	and	and	CCONJ
ajeer-199	354	12	financial	financial	ADJ
ajeer-199	354	13	research	research	NOUN
ajeer-199	354	14	(	(	PUNCT
ajeer-199	354	15	cffir	cffir	NOUN
ajeer-199	354	16	)	)	PUNCT
ajeer-199	354	17	,	,	PUNCT
ajeer-199	354	18	moscow	moscow	PROPN
ajeer-199	354	19	,	,	PUNCT
ajeer-199	354	20	5(3	5(3	NUM
ajeer-199	354	21	):	):	PUNCT
ajeer-199	354	22	44	44	NUM
ajeer-199	354	23	-	-	SYM
ajeer-199	354	24	55	55	NUM
ajeer-199	354	25	.	.	PUNCT
ajeer-199	355	1	li	li	PROPN
ajeer-199	355	2	,	,	PUNCT
ajeer-199	355	3	t.s	t.s	PROPN
ajeer-199	355	4	.	.	PROPN
ajeer-199	355	5	and	and	CCONJ
ajeer-199	355	6	b.y	b.y	PROPN
ajeer-199	355	7	.	.	PROPN
ajeer-199	355	8	huang	huang	PROPN
ajeer-199	355	9	,	,	PUNCT
ajeer-199	355	10	2008	2008	NUM
ajeer-199	355	11	.	.	PUNCT
ajeer-199	356	1	the	the	DET
ajeer-199	356	2	study	study	NOUN
ajeer-199	356	3	of	of	ADP
ajeer-199	356	4	applying	apply	VERB
ajeer-199	356	5	fuzzy	fuzzy	ADJ
ajeer-199	356	6	analytic	analytic	ADJ
ajeer-199	356	7	hierarchy	hierarchy	NOUN
ajeer-199	356	8	process	process	NOUN
ajeer-199	356	9	in	in	ADP
ajeer-199	356	10	supplier	supplier	NOUN
ajeer-199	356	11	selection	selection	NOUN
ajeer-199	356	12	.	.	PUNCT
ajeer-199	357	1	journal	journal	PROPN
ajeer-199	357	2	of	of	ADP
ajeer-199	357	3	quantitative	quantitative	ADJ
ajeer-199	357	4	management	management	NOUN
ajeer-199	357	5	,	,	PUNCT
ajeer-199	357	6	5(2	5(2	NUM
ajeer-199	357	7	):	):	PUNCT
ajeer-199	357	8	39	39	NUM
ajeer-199	357	9	-	-	SYM
ajeer-199	357	10	56	56	NUM
ajeer-199	357	11	.	.	PUNCT
ajeer-199	358	1	lusardi	lusardi	PROPN
ajeer-199	358	2	,	,	PUNCT
ajeer-199	358	3	a.	a.	NOUN
ajeer-199	358	4	,	,	PUNCT
ajeer-199	358	5	2008a	2008a	NUM
ajeer-199	358	6	;	;	PUNCT
ajeer-199	358	7	2008b	2008b	NUM
ajeer-199	358	8	.	.	PUNCT
ajeer-199	359	1	household	household	NOUN
ajeer-199	359	2	saving	saving	NOUN
ajeer-199	359	3	behavior	behavior	NOUN
ajeer-199	359	4	:	:	PUNCT
ajeer-199	359	5	the	the	DET
ajeer-199	359	6	role	role	NOUN
ajeer-199	359	7	of	of	ADP
ajeer-199	359	8	financial	financial	ADJ
ajeer-199	359	9	literacy	literacy	NOUN
ajeer-199	359	10	,	,	PUNCT
ajeer-199	359	11	information	information	NOUN
ajeer-199	359	12	,	,	PUNCT
ajeer-199	359	13	and	and	CCONJ
ajeer-199	359	14	financial	financial	ADJ
ajeer-199	359	15	education	education	NOUN
ajeer-199	359	16	programs	program	NOUN
ajeer-199	359	17	.	.	PUNCT
ajeer-199	360	1	nber	nber	PROPN
ajeer-199	360	2	working	working	PROPN
ajeer-199	360	3	paper	paper	PROPN
ajeer-199	360	4	no	no	INTJ
ajeer-199	360	5	.	.	PROPN
ajeer-199	360	6	13824	13824	NUM
ajeer-199	360	7	.	.	PUNCT
ajeer-199	361	1	available	available	ADJ
ajeer-199	361	2	from	from	ADP
ajeer-199	361	3	http://www.nber.org/papers/w13824	http://www.nber.org/papers/w13824	PROPN
ajeer-199	361	4	[	[	X
ajeer-199	361	5	accessed	access	VERB
ajeer-199	361	6	26	26	NUM
ajeer-199	361	7	january	january	NOUN
ajeer-199	361	8	2015	2015	NUM
ajeer-199	361	9	]	]	PUNCT
ajeer-199	361	10	.	.	PUNCT
ajeer-199	362	1	mcdonald	mcdonald	PROPN
ajeer-199	362	2	,	,	PUNCT
ajeer-199	362	3	d.	d.	PROPN
ajeer-199	362	4	and	and	CCONJ
ajeer-199	362	5	d.l	d.l	PROPN
ajeer-199	362	6	.	.	PROPN
ajeer-199	362	7	thornton	thornton	PROPN
ajeer-199	362	8	,	,	PUNCT
ajeer-199	362	9	2008	2008	NUM
ajeer-199	362	10	.	.	PUNCT
ajeer-199	363	1	a	a	DET
ajeer-199	363	2	primer	primer	NOUN
ajeer-199	363	3	on	on	ADP
ajeer-199	363	4	the	the	DET
ajeer-199	363	5	mortgage	mortgage	NOUN
ajeer-199	363	6	market	market	NOUN
ajeer-199	363	7	and	and	CCONJ
ajeer-199	363	8	mortgage	mortgage	NOUN
ajeer-199	363	9	finance	finance	NOUN
ajeer-199	363	10	.	.	PUNCT
ajeer-199	364	1	federal	federal	PROPN
ajeer-199	364	2	reserve	reserve	PROPN
ajeer-199	364	3	bank	bank	PROPN
ajeer-199	364	4	of	of	ADP
ajeer-199	364	5	st	st	PROPN
ajeer-199	364	6	.	.	PROPN
ajeer-199	364	7	louis	louis	PROPN
ajeer-199	364	8	review	review	PROPN
ajeer-199	364	9	.	.	PUNCT
ajeer-199	365	1	journal	journal	PROPN
ajeer-199	365	2	of	of	ADP
ajeer-199	365	3	economic	economic	ADJ
ajeer-199	365	4	literature	literature	NOUN
ajeer-199	365	5	,	,	PUNCT
ajeer-199	365	6	1(1	1(1	NUM
ajeer-199	365	7	):	):	PUNCT
ajeer-199	365	8	31	31	NUM
ajeer-199	365	9	-	-	SYM
ajeer-199	365	10	36	36	NUM
ajeer-199	365	11	.	.	PUNCT
ajeer-199	366	1	moore	moore	PROPN
ajeer-199	366	2	,	,	PUNCT
ajeer-199	366	3	d.	d.	PROPN
ajeer-199	366	4	,	,	PUNCT
ajeer-199	366	5	2003	2003	NUM
ajeer-199	366	6	.	.	PUNCT
ajeer-199	367	1	survey	survey	NOUN
ajeer-199	367	2	of	of	ADP
ajeer-199	367	3	financial	financial	ADJ
ajeer-199	367	4	literacy	literacy	NOUN
ajeer-199	367	5	in	in	ADP
ajeer-199	367	6	washington	washington	PROPN
ajeer-199	367	7	state	state	PROPN
ajeer-199	367	8	:	:	PUNCT
ajeer-199	367	9	knowledge	knowledge	NOUN
ajeer-199	367	10	,	,	PUNCT
ajeer-199	367	11	behavior	behavior	NOUN
ajeer-199	367	12	,	,	PUNCT
ajeer-199	367	13	attitudes	attitude	NOUN
ajeer-199	367	14	,	,	PUNCT
ajeer-199	367	15	and	and	CCONJ
ajeer-199	367	16	experiences	experience	NOUN
ajeer-199	367	17	.	.	PUNCT
ajeer-199	368	1	technical	technical	ADJ
ajeer-199	368	2	report	report	PROPN
ajeer-199	368	3	no	no	INTJ
ajeer-199	368	4	.	.	PROPN
ajeer-199	368	5	0339	0339	NUM
ajeer-199	368	6	.	.	PUNCT
ajeer-199	369	1	social	social	ADJ
ajeer-199	369	2	and	and	CCONJ
ajeer-199	369	3	economic	economic	ADJ
ajeer-199	369	4	sciences	sciences	PROPN
ajeer-199	369	5	research	research	NOUN
ajeer-199	369	6	center	center	NOUN
ajeer-199	369	7	,	,	PUNCT
ajeer-199	369	8	washington	washington	PROPN
ajeer-199	369	9	state	state	PROPN
ajeer-199	369	10	university	university	PROPN
ajeer-199	369	11	.	.	PUNCT
ajeer-199	370	1	popplewell	popplewell	PROPN
ajeer-199	370	2	,	,	PUNCT
ajeer-199	370	3	k.	k.	PROPN
ajeer-199	370	4	,	,	PUNCT
ajeer-199	370	5	2000	2000	NUM
ajeer-199	370	6	.	.	PUNCT
ajeer-199	371	1	mortgage	mortgage	NOUN
ajeer-199	371	2	and	and	CCONJ
ajeer-199	371	3	investment	investment	NOUN
ajeer-199	371	4	planning	planning	NOUN
ajeer-199	371	5	.	.	PUNCT
ajeer-199	372	1	united	united	PROPN
ajeer-199	372	2	kingdom	kingdom	PROPN
ajeer-199	372	3	:	:	PUNCT
ajeer-199	372	4	cib	cib	PROPN
ajeer-199	372	5	publishing	publishing	NOUN
ajeer-199	372	6	.	.	PUNCT
ajeer-199	373	1	rybár	rybár	PROPN
ajeer-199	373	2	,	,	PUNCT
ajeer-199	373	3	i.	i.	PROPN
ajeer-199	373	4	and	and	CCONJ
ajeer-199	373	5	p.	p.	PROPN
ajeer-199	373	6	zemcik	zemcik	PROPN
ajeer-199	373	7	,	,	PUNCT
ajeer-199	373	8	2008	2008	NUM
ajeer-199	373	9	.	.	PUNCT
ajeer-199	374	1	arm	arm	NOUN
ajeer-199	374	2	or	or	CCONJ
ajeer-199	374	3	frm	frm	PROPN
ajeer-199	374	4	:	:	PUNCT
ajeer-199	374	5	which	which	DET
ajeer-199	374	6	mortgage	mortgage	NOUN
ajeer-199	374	7	contract	contract	NOUN
ajeer-199	374	8	is	be	AUX
ajeer-199	374	9	better	well	ADJ
ajeer-199	374	10	for	for	ADP
ajeer-199	374	11	czech	czech	ADJ
ajeer-199	374	12	households	household	NOUN
ajeer-199	374	13	?	?	PUNCT
ajeer-199	375	1	(	(	PUNCT
ajeer-199	375	2	no	no	INTJ
ajeer-199	375	3	.	.	PUNCT
ajeer-199	376	1	eres	ere	NOUN
ajeer-199	376	2	2008_239	2008_239	NUM
ajeer-199	376	3	)	)	PUNCT
ajeer-199	376	4	.	.	PUNCT
ajeer-199	377	1	european	european	ADJ
ajeer-199	377	2	real	real	ADJ
ajeer-199	377	3	estate	estate	NOUN
ajeer-199	377	4	society	society	NOUN
ajeer-199	377	5	(	(	PUNCT
ajeer-199	377	6	eres	ere	NOUN
ajeer-199	377	7	)	)	PUNCT
ajeer-199	377	8	.	.	PUNCT
ajeer-199	378	1	saaty	saaty	NOUN
ajeer-199	378	2	,	,	PUNCT
ajeer-199	378	3	t.l	t.l	PROPN
ajeer-199	378	4	.	.	PROPN
ajeer-199	378	5	,	,	PUNCT
ajeer-199	378	6	1980	1980	NUM
ajeer-199	378	7	.	.	PUNCT
ajeer-199	379	1	the	the	DET
ajeer-199	379	2	analytic	analytic	ADJ
ajeer-199	379	3	hierarchy	hierarchy	NOUN
ajeer-199	379	4	process	process	NOUN
ajeer-199	379	5	.	.	PUNCT
ajeer-199	380	1	new	new	PROPN
ajeer-199	380	2	york	york	PROPN
ajeer-199	380	3	:	:	PUNCT
ajeer-199	380	4	mcgraw	mcgraw	PROPN
ajeer-199	380	5	-	-	PUNCT
ajeer-199	380	6	hill	hill	NOUN
ajeer-199	380	7	.	.	PUNCT
ajeer-199	381	1	saunders	saunder	NOUN
ajeer-199	381	2	,	,	PUNCT
ajeer-199	381	3	a.	a.	NOUN
ajeer-199	381	4	and	and	CCONJ
ajeer-199	381	5	m.m	m.m	PROPN
ajeer-199	381	6	.	.	PROPN
ajeer-199	381	7	cornett	cornett	PROPN
ajeer-199	381	8	,	,	PUNCT
ajeer-199	381	9	2008	2008	NUM
ajeer-199	381	10	.	.	PUNCT
ajeer-199	382	1	6th	6th	ADJ
ajeer-199	382	2	edn	edn	PROPN
ajeer-199	382	3	.	.	PUNCT
ajeer-199	383	1	,	,	PUNCT
ajeer-199	383	2	financial	financial	ADJ
ajeer-199	383	3	institutions	institution	NOUN
ajeer-199	383	4	management	management	NOUN
ajeer-199	383	5	–	–	PUNCT
ajeer-199	383	6	a	a	DET
ajeer-199	383	7	risk	risk	NOUN
ajeer-199	383	8	management	management	NOUN
ajeer-199	383	9	approach	approach	NOUN
ajeer-199	383	10	.	.	PUNCT
ajeer-199	384	1	6th	6th	ADJ
ajeer-199	384	2	edn	edn	PROPN
ajeer-199	384	3	.	.	PUNCT
ajeer-199	384	4	,	,	PUNCT
ajeer-199	384	5	new	new	PROPN
ajeer-199	384	6	york	york	PROPN
ajeer-199	384	7	:	:	PUNCT
ajeer-199	384	8	mcgraw	mcgraw	PROPN
ajeer-199	384	9	-	-	PUNCT
ajeer-199	384	10	hill	hill	NOUN
ajeer-199	384	11	international	international	PROPN
ajeer-199	384	12	.	.	PUNCT
ajeer-199	385	1	pp	pp	ADP
ajeer-199	385	2	:	:	PUNCT
ajeer-199	385	3	315	315	NUM
ajeer-199	385	4	-	-	SYM
ajeer-199	385	5	317	317	NUM
ajeer-199	385	6	.	.	PUNCT
ajeer-199	386	1	smith	smith	PROPN
ajeer-199	386	2	,	,	PUNCT
ajeer-199	386	3	d.a	d.a	PROPN
ajeer-199	386	4	.	.	PROPN
ajeer-199	386	5	,	,	PUNCT
ajeer-199	386	6	1996	1996	NUM
ajeer-199	386	7	.	.	PUNCT
ajeer-199	387	1	smith	smith	PROPN
ajeer-199	387	2	.	.	PUNCT
ajeer-199	388	1	third	third	ADJ
ajeer-199	388	2	world	world	NOUN
ajeer-199	388	3	cities	city	NOUN
ajeer-199	388	4	in	in	ADP
ajeer-199	388	5	global	global	ADJ
ajeer-199	388	6	perspective	perspective	NOUN
ajeer-199	388	7	:	:	PUNCT
ajeer-199	388	8	the	the	DET
ajeer-199	388	9	political	political	ADJ
ajeer-199	388	10	economy	economy	NOUN
ajeer-199	388	11	of	of	ADP
ajeer-199	388	12	uneven	uneven	ADJ
ajeer-199	388	13	urbanization	urbanization	NOUN
ajeer-199	388	14	.	.	PUNCT
ajeer-199	389	1	boulder	boulder	NOUN
ajeer-199	389	2	,	,	PUNCT
ajeer-199	389	3	colorado	colorado	PROPN
ajeer-199	389	4	:	:	PUNCT
ajeer-199	389	5	westview	westview	PROPN
ajeer-199	389	6	press	press	PROPN
ajeer-199	389	7	.	.	PUNCT
ajeer-199	390	1	statman	statman	PROPN
ajeer-199	390	2	,	,	PUNCT
ajeer-199	390	3	m.	m.	NOUN
ajeer-199	390	4	,	,	PUNCT
ajeer-199	390	5	1982	1982	NUM
ajeer-199	390	6	.	.	PUNCT
ajeer-199	391	1	fixed	fix	VERB
ajeer-199	391	2	rate	rate	NOUN
ajeer-199	391	3	or	or	CCONJ
ajeer-199	391	4	index	index	NOUN
ajeer-199	391	5	-	-	PUNCT
ajeer-199	391	6	linked	link	VERB
ajeer-199	391	7	mortgages	mortgage	NOUN
ajeer-199	391	8	from	from	ADP
ajeer-199	391	9	the	the	DET
ajeer-199	391	10	borrower	borrower	NOUN
ajeer-199	391	11	's	's	PART
ajeer-199	391	12	point	point	NOUN
ajeer-199	391	13	of	of	ADP
ajeer-199	391	14	view	view	NOUN
ajeer-199	391	15	:	:	PUNCT
ajeer-199	391	16	a	a	DET
ajeer-199	391	17	note	note	NOUN
ajeer-199	391	18	.	.	PUNCT
ajeer-199	392	1	journal	journal	NOUN
ajeer-199	392	2	of	of	ADP
ajeer-199	392	3	financial	financial	ADJ
ajeer-199	392	4	and	and	CCONJ
ajeer-199	392	5	quantitative	quantitative	ADJ
ajeer-199	392	6	analysis	analysis	NOUN
ajeer-199	392	7	,	,	PUNCT
ajeer-199	392	8	17(3	17(3	NUM
ajeer-199	392	9	):	):	PUNCT
ajeer-199	392	10	451	451	NUM
ajeer-199	392	11	-	-	SYM
ajeer-199	392	12	457	457	NUM
ajeer-199	392	13	.	.	PUNCT
ajeer-199	393	1	tracy	tracy	PROPN
ajeer-199	393	2	,	,	PUNCT
ajeer-199	393	3	j.s	j.s	PROPN
ajeer-199	393	4	.	.	PROPN
ajeer-199	393	5	and	and	CCONJ
ajeer-199	393	6	h.s	h.s	PROPN
ajeer-199	393	7	.	.	PROPN
ajeer-199	393	8	schneider	schneider	PROPN
ajeer-199	393	9	,	,	PUNCT
ajeer-199	393	10	2001	2001	NUM
ajeer-199	393	11	.	.	PUNCT
ajeer-199	394	1	stocks	stock	NOUN
ajeer-199	394	2	in	in	ADP
ajeer-199	394	3	the	the	DET
ajeer-199	394	4	household	household	NOUN
ajeer-199	394	5	portfolio	portfolio	NOUN
ajeer-199	394	6	:	:	PUNCT
ajeer-199	394	7	a	a	DET
ajeer-199	394	8	look	look	NOUN
ajeer-199	394	9	back	back	ADV
ajeer-199	394	10	at	at	ADP
ajeer-199	394	11	the	the	DET
ajeer-199	394	12	1990s	1990s	NUM
ajeer-199	394	13	.	.	PUNCT
ajeer-199	395	1	current	current	ADJ
ajeer-199	395	2	issues	issue	NOUN
ajeer-199	395	3	in	in	ADP
ajeer-199	395	4	economics	economic	NOUN
ajeer-199	395	5	and	and	CCONJ
ajeer-199	395	6	finance	finance	NOUN
ajeer-199	395	7	,	,	PUNCT
ajeer-199	395	8	7(4	7(4	NUM
ajeer-199	395	9	):	):	PUNCT
ajeer-199	395	10	12	12	NUM
ajeer-199	395	11	-	-	SYM
ajeer-199	395	12	26	26	NUM
ajeer-199	395	13	.	.	PUNCT
ajeer-199	396	1	trimbath	trimbath	NOUN
ajeer-199	396	2	,	,	PUNCT
ajeer-199	396	3	s.	s.	PROPN
ajeer-199	396	4	and	and	CCONJ
ajeer-199	396	5	j.	j.	PROPN
ajeer-199	396	6	montoya	montoya	PROPN
ajeer-199	396	7	,	,	PUNCT
ajeer-199	396	8	2002	2002	NUM
ajeer-199	396	9	.	.	PUNCT
ajeer-199	397	1	housing	housing	NOUN
ajeer-199	397	2	affordability	affordability	NOUN
ajeer-199	397	3	in	in	ADP
ajeer-199	397	4	three	three	NUM
ajeer-199	397	5	dimensions	dimension	NOUN
ajeer-199	397	6	:	:	PUNCT
ajeer-199	397	7	price	price	NOUN
ajeer-199	397	8	,	,	PUNCT
ajeer-199	397	9	income	income	NOUN
ajeer-199	397	10	and	and	CCONJ
ajeer-199	397	11	interest	interest	NOUN
ajeer-199	397	12	rates	rate	NOUN
ajeer-199	397	13	.	.	PUNCT
ajeer-199	398	1	milken	milken	PROPN
ajeer-199	398	2	institute	institute	PROPN
ajeer-199	398	3	policy	policy	PROPN
ajeer-199	398	4	brief	brief	NOUN
ajeer-199	398	5	,	,	PUNCT
ajeer-199	398	6	8(31	8(31	NUM
ajeer-199	398	7	):	):	PUNCT
ajeer-199	398	8	232	232	NUM
ajeer-199	398	9	-	-	SYM
ajeer-199	398	10	240	240	NUM
ajeer-199	398	11	.	.	PUNCT
ajeer-199	399	1	tshipinare	tshipinare	PROPN
ajeer-199	399	2	,	,	PUNCT
ajeer-199	399	3	m.r	m.r	PROPN
ajeer-199	399	4	.	.	PROPN
ajeer-199	399	5	,	,	PUNCT
ajeer-199	399	6	1987	1987	NUM
ajeer-199	399	7	.	.	PUNCT
ajeer-199	400	1	housing	housing	NOUN
ajeer-199	400	2	africa‟s	africa‟	NOUN
ajeer-199	400	3	poor	poor	ADJ
ajeer-199	400	4	.	.	PUNCT
ajeer-199	401	1	shelter	shelter	NOUN
ajeer-199	401	2	-	-	PUNCT
ajeer-199	401	3	afrique	afrique	NOUN
ajeer-199	401	4	symposium	symposium	NOUN
ajeer-199	401	5	on	on	ADP
ajeer-199	401	6	housing	housing	NOUN
ajeer-199	401	7	in	in	ADP
ajeer-199	401	8	africa	africa	PROPN
ajeer-199	401	9	,	,	PUNCT
ajeer-199	401	10	kigali	kigali	PROPN
ajeer-199	401	11	,	,	PUNCT
ajeer-199	401	12	rwanda	rwanda	PROPN
ajeer-199	401	13	,	,	PUNCT
ajeer-199	401	14	a	a	PRON
ajeer-199	402	1	/	/	SYM
ajeer-199	402	2	res/36/71	res/36/71	PROPN
ajeer-199	402	3	.	.	PUNCT
ajeer-199	402	4	woodward	woodward	PROPN
ajeer-199	402	5	,	,	PUNCT
ajeer-199	402	6	s.	s.	PROPN
ajeer-199	402	7	,	,	PUNCT
ajeer-199	402	8	2003	2003	NUM
ajeer-199	402	9	.	.	PUNCT
ajeer-199	403	1	consumer	consumer	NOUN
ajeer-199	403	2	confusion	confusion	NOUN
ajeer-199	403	3	in	in	ADP
ajeer-199	403	4	the	the	DET
ajeer-199	403	5	mortgage	mortgage	NOUN
ajeer-199	403	6	market	market	NOUN
ajeer-199	403	7	.	.	PUNCT
ajeer-199	404	1	working	work	VERB
ajeer-199	404	2	paper	paper	NOUN
ajeer-199	404	3	,	,	PUNCT
ajeer-199	404	4	sand	sand	NOUN
ajeer-199	404	5	hill	hill	NOUN
ajeer-199	404	6	economics	economic	NOUN
ajeer-199	404	7	.	.	PUNCT
ajeer-199	405	1	available	available	ADJ
ajeer-199	405	2	from	from	ADP
ajeer-199	405	3	http://ssrn.com/abstract=2049629	http://ssrn.com/abstract=2049629	NOUN
ajeer-199	405	4	[	[	PUNCT
ajeer-199	405	5	accessed	access	VERB
ajeer-199	405	6	25	25	NUM
ajeer-199	405	7	september	september	PROPN
ajeer-199	405	8	2012	2012	NUM
ajeer-199	405	9	]	]	PUNCT
ajeer-199	405	10	.	.	PUNCT
ajeer-199	406	1	zadeh	zadeh	PROPN
ajeer-199	406	2	,	,	PUNCT
ajeer-199	406	3	l.a	l.a	PROPN
ajeer-199	406	4	.	.	PROPN
ajeer-199	406	5	,	,	PUNCT
ajeer-199	406	6	1965	1965	NUM
ajeer-199	406	7	.	.	PUNCT
ajeer-199	407	1	fuzzy	fuzzy	ADJ
ajeer-199	407	2	sets	set	NOUN
ajeer-199	407	3	.	.	PUNCT
ajeer-199	408	1	information	information	NOUN
ajeer-199	408	2	and	and	CCONJ
ajeer-199	408	3	control	control	NOUN
ajeer-199	408	4	,	,	PUNCT
ajeer-199	408	5	8(3	8(3	NUM
ajeer-199	408	6	):	):	PUNCT
ajeer-199	408	7	338	338	NUM
ajeer-199	408	8	-	-	SYM
ajeer-199	408	9	353	353	NUM
ajeer-199	408	10	.	.	PUNCT
ajeer-199	409	1	http://www.theghanaianjournal.com/2009/09/17/ghana-has-one-million-housing-deficit-veep/	http://www.theghanaianjournal.com/2009/09/17/ghana-has-one-million-housing-deficit-veep/	PROPN
ajeer-199	409	2	http://allafrica.com/stories/200607200486.html	http://allafrica.com/stories/200607200486.html	NUM
ajeer-199	410	1	http://www.nber.org/papers/w13824	http://www.nber.org/papers/w13824	PROPN
ajeer-199	410	2	http://ssrn.com/abstract=2049629	http://ssrn.com/abstract=2049629	PROPN
ajeer-199	410	3	asian	asian	ADJ
ajeer-199	410	4	journal	journal	PROPN
ajeer-199	410	5	of	of	ADP
ajeer-199	410	6	economics	economic	NOUN
ajeer-199	410	7	and	and	CCONJ
ajeer-199	410	8	empirical	empirical	ADJ
ajeer-199	410	9	research	research	NOUN
ajeer-199	410	10	,	,	PUNCT
ajeer-199	410	11	2015	2015	NUM
ajeer-199	410	12	,	,	PUNCT
ajeer-199	410	13	2(2	2(2	NUM
ajeer-199	410	14	):	):	PUNCT
ajeer-199	410	15	52	52	NUM
ajeer-199	410	16	-	-	SYM
ajeer-199	410	17	61	61	NUM
ajeer-199	410	18	61	61	NUM
ajeer-199	410	19	bibliography	bibliography	NOUN
ajeer-199	410	20	debrah	debrah	NOUN
ajeer-199	410	21	,	,	PUNCT
ajeer-199	410	22	w.k	w.k	PROPN
ajeer-199	410	23	.	.	PROPN
ajeer-199	410	24	,	,	PUNCT
ajeer-199	410	25	g.	g.	PROPN
ajeer-199	410	26	ibrahim	ibrahim	PROPN
ajeer-199	410	27	and	and	CCONJ
ajeer-199	410	28	k.	k.	PROPN
ajeer-199	410	29	rufasha	rufasha	PROPN
ajeer-199	410	30	,	,	PUNCT
ajeer-199	410	31	2002	2002	NUM
ajeer-199	410	32	.	.	PUNCT
ajeer-199	411	1	micro	micro	ADJ
ajeer-199	411	2	finance	finance	NOUN
ajeer-199	411	3	for	for	ADP
ajeer-199	411	4	housing	housing	NOUN
ajeer-199	411	5	for	for	ADP
ajeer-199	411	6	low/	low/	ADJ
ajeer-199	411	7	moderate	moderate	ADJ
ajeer-199	411	8	-	-	PUNCT
ajeer-199	411	9	income	income	NOUN
ajeer-199	411	10	households	household	NOUN
ajeer-199	411	11	in	in	ADP
ajeer-199	411	12	ghana	ghana	PROPN
ajeer-199	411	13	.	.	PUNCT
ajeer-199	412	1	presentation	presentation	NOUN
ajeer-199	412	2	at	at	ADP
ajeer-199	412	3	the	the	DET
ajeer-199	412	4	conference	conference	NOUN
ajeer-199	412	5	on	on	ADP
ajeer-199	412	6	housing	housing	NOUN
ajeer-199	412	7	and	and	CCONJ
ajeer-199	412	8	urban	urban	ADJ
ajeer-199	412	9	development	development	NOUN
ajeer-199	412	10	for	for	ADP
ajeer-199	412	11	low	low	ADJ
ajeer-199	412	12	-	-	PUNCT
ajeer-199	412	13	income	income	NOUN
ajeer-199	412	14	groups	group	NOUN
ajeer-199	412	15	in	in	ADP
ajeer-199	412	16	sub	sub	ADJ
ajeer-199	412	17	-	-	ADJ
ajeer-199	412	18	saharan	saharan	ADJ
ajeer-199	412	19	africa	africa	PROPN
ajeer-199	412	20	,	,	PUNCT
ajeer-199	412	21	22	22	NUM
ajeer-199	412	22	-	-	SYM
ajeer-199	412	23	26	26	NUM
ajeer-199	412	24	,	,	PUNCT
ajeer-199	412	25	july	july	PROPN
ajeer-199	412	26	,	,	PUNCT
ajeer-199	412	27	2002	2002	NUM
ajeer-199	412	28	.	.	PUNCT
ajeer-199	413	1	views	view	NOUN
ajeer-199	413	2	and	and	CCONJ
ajeer-199	413	3	opinions	opinion	NOUN
ajeer-199	413	4	expressed	express	VERB
ajeer-199	413	5	in	in	ADP
ajeer-199	413	6	this	this	DET
ajeer-199	413	7	article	article	NOUN
ajeer-199	413	8	are	be	AUX
ajeer-199	413	9	the	the	DET
ajeer-199	413	10	views	view	NOUN
ajeer-199	413	11	and	and	CCONJ
ajeer-199	413	12	opinions	opinion	NOUN
ajeer-199	413	13	of	of	ADP
ajeer-199	413	14	the	the	DET
ajeer-199	413	15	authors	author	NOUN
ajeer-199	413	16	,	,	PUNCT
ajeer-199	413	17	asian	asian	ADJ
ajeer-199	413	18	journal	journal	NOUN
ajeer-199	413	19	of	of	ADP
ajeer-199	413	20	economics	economic	NOUN
ajeer-199	413	21	and	and	CCONJ
ajeer-199	413	22	empirical	empirical	ADJ
ajeer-199	413	23	research	research	NOUN
ajeer-199	413	24	shall	shall	AUX
ajeer-199	413	25	not	not	PART
ajeer-199	413	26	be	be	AUX
ajeer-199	413	27	responsible	responsible	ADJ
ajeer-199	413	28	or	or	CCONJ
ajeer-199	413	29	answerable	answerable	ADJ
ajeer-199	413	30	for	for	ADP
ajeer-199	413	31	any	any	DET
ajeer-199	413	32	loss	loss	NOUN
ajeer-199	413	33	,	,	PUNCT
ajeer-199	413	34	damage	damage	NOUN
ajeer-199	413	35	or	or	CCONJ
ajeer-199	413	36	liability	liability	NOUN
ajeer-199	413	37	etc	etc	X
ajeer-199	413	38	.	.	X
ajeer-199	414	1	caused	cause	VERB
ajeer-199	414	2	in	in	ADP
ajeer-199	414	3	relation	relation	NOUN
ajeer-199	414	4	to	to	PART
ajeer-199	414	5	/	/	PUNCT
ajeer-199	414	6	arising	arise	VERB
ajeer-199	414	7	out	out	ADP
ajeer-199	414	8	of	of	ADP
ajeer-199	414	9	the	the	DET
ajeer-199	414	10	use	use	NOUN
ajeer-199	414	11	of	of	ADP
ajeer-199	414	12	the	the	DET
ajeer-199	414	13	content	content	NOUN
ajeer-199	414	14	.	.	PUNCT