id	sid	tid	token	lemma	pos
ajis02-327	1	1	ajis	ajis	PROPN
ajis02-327	1	2	special	special	ADJ
ajis02-327	1	3	edition	edition	NOUN
ajis02-327	1	4	-	-	PUNCT
ajis02-327	1	5	electronic	electronic	ADJ
ajis02-327	1	6	commerce	commerce	NOUN
ajis02-327	1	7	november	november	PROPN
ajis02-327	1	8	1998	1998	NUM
ajis02-327	1	9	the	the	DET
ajis02-327	1	10	evolution	evolution	NOUN
ajis02-327	1	11	of	of	ADP
ajis02-327	1	12	electronic	electronic	ADJ
ajis02-327	1	13	marketplaces	marketplace	NOUN
ajis02-327	1	14	:	:	PUNCT
ajis02-327	1	15	an	an	DET
ajis02-327	1	16	exploratory	exploratory	ADJ
ajis02-327	1	17	study	study	NOUN
ajis02-327	1	18	of	of	ADP
ajis02-327	1	19	internet	internet	NOUN
ajis02-327	1	20	-	-	PUNCT
ajis02-327	1	21	based	base	VERB
ajis02-327	1	22	electronic	electronic	ADJ
ajis02-327	1	23	commerce	commerce	NOUN
ajis02-327	1	24	within	within	ADP
ajis02-327	1	25	the	the	DET
ajis02-327	1	26	american	american	ADJ
ajis02-327	1	27	independent	independent	PROPN
ajis02-327	1	28	insurance	insurance	PROPN
ajis02-327	1	29	agency	agency	NOUN
ajis02-327	1	30	system	system	NOUN
ajis02-327	1	31	andrew	andrew	PROPN
ajis02-327	1	32	f.	f.	PROPN
ajis02-327	1	33	burton	burton	PROPN
ajis02-327	1	34	andersen	andersen	PROPN
ajis02-327	1	35	consulting	consulting	PROPN
ajis02-327	1	36	chicago	chicago	PROPN
ajis02-327	1	37	,	,	PUNCT
ajis02-327	1	38	illinois	illinois	PROPN
ajis02-327	1	39	usa	usa	PROPN
ajis02-327	1	40	john	john	PROPN
ajis02-327	1	41	g.	g.	PROPN
ajis02-327	1	42	mooney	mooney	PROPN
ajis02-327	1	43	*	*	PROPN
ajis02-327	2	1	the	the	DET
ajis02-327	2	2	michael	michael	PROPN
ajis02-327	2	3	smurfit	smurfit	PROPN
ajis02-327	2	4	graduate	graduate	PROPN
ajis02-327	2	5	school	school	PROPN
ajis02-327	2	6	of	of	ADP
ajis02-327	2	7	business	business	PROPN
ajis02-327	2	8	university	university	PROPN
ajis02-327	2	9	college	college	PROPN
ajis02-327	2	10	dublin	dublin	PROPN
ajis02-327	2	11	(	(	PUNCT
ajis02-327	2	12	national	national	PROPN
ajis02-327	2	13	university	university	PROPN
ajis02-327	2	14	of	of	ADP
ajis02-327	2	15	ireland	ireland	PROPN
ajis02-327	2	16	,	,	PUNCT
ajis02-327	2	17	dublin	dublin	PROPN
ajis02-327	2	18	)	)	PUNCT
ajis02-327	2	19	carysfort	carysfort	PROPN
ajis02-327	2	20	avenue	avenue	PROPN
ajis02-327	2	21	,	,	PUNCT
ajis02-327	2	22	blackrock	blackrock	PROPN
ajis02-327	2	23	,	,	PUNCT
ajis02-327	2	24	dublin	dublin	PROPN
ajis02-327	2	25	,	,	PUNCT
ajis02-327	2	26	ireland	ireland	PROPN
ajis02-327	2	27	.	.	PUNCT
ajis02-327	3	1	*	*	PUNCT
ajis02-327	3	2	correspondence	correspondence	NOUN
ajis02-327	3	3	should	should	AUX
ajis02-327	3	4	be	be	AUX
ajis02-327	3	5	addressed	address	VERB
ajis02-327	3	6	to	to	ADP
ajis02-327	3	7	dr	dr	PROPN
ajis02-327	3	8	.	.	PROPN
ajis02-327	3	9	john	john	PROPN
ajis02-327	3	10	mooney	mooney	PROPN
ajis02-327	3	11	abstract	abstract	PROPN
ajis02-327	3	12	evolving	evolve	VERB
ajis02-327	3	13	competitive	competitive	ADJ
ajis02-327	3	14	,	,	PUNCT
ajis02-327	3	15	organisational	organisational	ADJ
ajis02-327	3	16	and	and	CCONJ
ajis02-327	3	17	technology	technology	NOUN
ajis02-327	3	18	environments	environment	NOUN
ajis02-327	3	19	drive	drive	VERB
ajis02-327	3	20	organisations	organisation	NOUN
ajis02-327	3	21	to	to	PART
ajis02-327	3	22	continually	continually	ADV
ajis02-327	3	23	evaluate	evaluate	VERB
ajis02-327	3	24	how	how	SCONJ
ajis02-327	3	25	information	information	NOUN
ajis02-327	3	26	technology	technology	NOUN
ajis02-327	3	27	resources	resource	NOUN
ajis02-327	3	28	can	can	AUX
ajis02-327	3	29	be	be	AUX
ajis02-327	3	30	exploited	exploit	VERB
ajis02-327	3	31	for	for	ADP
ajis02-327	3	32	competitive	competitive	ADJ
ajis02-327	3	33	value	value	NOUN
ajis02-327	3	34	.	.	PUNCT
ajis02-327	4	1	the	the	DET
ajis02-327	4	2	emergence	emergence	NOUN
ajis02-327	4	3	of	of	ADP
ajis02-327	4	4	a	a	DET
ajis02-327	4	5	global	global	ADJ
ajis02-327	4	6	information	information	NOUN
ajis02-327	4	7	infrastructure	infrastructure	NOUN
ajis02-327	4	8	has	have	AUX
ajis02-327	4	9	spawned	spawn	VERB
ajis02-327	4	10	an	an	DET
ajis02-327	4	11	entirely	entirely	ADV
ajis02-327	4	12	new	new	ADJ
ajis02-327	4	13	area	area	NOUN
ajis02-327	4	14	for	for	ADP
ajis02-327	4	15	competitive	competitive	ADJ
ajis02-327	4	16	exploitation	exploitation	NOUN
ajis02-327	4	17	,	,	PUNCT
ajis02-327	4	18	electronic	electronic	ADJ
ajis02-327	4	19	marketplaces	marketplace	NOUN
ajis02-327	4	20	.	.	PUNCT
ajis02-327	5	1	this	this	DET
ajis02-327	5	2	paper	paper	NOUN
ajis02-327	5	3	first	first	ADV
ajis02-327	5	4	presents	present	VERB
ajis02-327	5	5	a	a	DET
ajis02-327	5	6	review	review	NOUN
ajis02-327	5	7	and	and	CCONJ
ajis02-327	5	8	synthesis	synthesis	NOUN
ajis02-327	5	9	of	of	ADP
ajis02-327	5	10	the	the	DET
ajis02-327	5	11	conceptual	conceptual	ADJ
ajis02-327	5	12	and	and	CCONJ
ajis02-327	5	13	empirical	empirical	ADJ
ajis02-327	5	14	literature	literature	NOUN
ajis02-327	5	15	on	on	ADP
ajis02-327	5	16	electronic	electronic	ADJ
ajis02-327	5	17	marketplaces	marketplace	NOUN
ajis02-327	5	18	.	.	PUNCT
ajis02-327	6	1	drawing	draw	VERB
ajis02-327	6	2	upon	upon	SCONJ
ajis02-327	6	3	multiple	multiple	ADJ
ajis02-327	6	4	theoretical	theoretical	ADJ
ajis02-327	6	5	perspectives	perspective	NOUN
ajis02-327	6	6	,	,	PUNCT
ajis02-327	6	7	we	we	PRON
ajis02-327	6	8	develop	develop	VERB
ajis02-327	6	9	a	a	DET
ajis02-327	6	10	framework	framework	NOUN
ajis02-327	6	11	for	for	ADP
ajis02-327	6	12	analysing	analyse	VERB
ajis02-327	6	13	their	their	PRON
ajis02-327	6	14	potential	potential	ADJ
ajis02-327	6	15	influences	influence	NOUN
ajis02-327	6	16	on	on	ADP
ajis02-327	6	17	market	market	NOUN
ajis02-327	6	18	and	and	CCONJ
ajis02-327	6	19	industry	industry	NOUN
ajis02-327	6	20	structure	structure	NOUN
ajis02-327	6	21	.	.	PUNCT
ajis02-327	7	1	this	this	DET
ajis02-327	7	2	conceptual	conceptual	ADJ
ajis02-327	7	3	framework	framework	NOUN
ajis02-327	7	4	is	be	AUX
ajis02-327	7	5	then	then	ADV
ajis02-327	7	6	applied	apply	VERB
ajis02-327	7	7	to	to	ADP
ajis02-327	7	8	an	an	DET
ajis02-327	7	9	empirical	empirical	ADJ
ajis02-327	7	10	assessment	assessment	NOUN
ajis02-327	7	11	of	of	ADP
ajis02-327	7	12	the	the	DET
ajis02-327	7	13	potential	potential	NOUN
ajis02-327	7	14	of	of	ADP
ajis02-327	7	15	the	the	DET
ajis02-327	7	16	internet	internet	NOUN
ajis02-327	7	17	as	as	ADP
ajis02-327	7	18	an	an	DET
ajis02-327	7	19	electronic	electronic	ADJ
ajis02-327	7	20	marketplace	marketplace	NOUN
ajis02-327	7	21	for	for	ADP
ajis02-327	7	22	the	the	DET
ajis02-327	7	23	american	american	ADJ
ajis02-327	7	24	independent	independent	PROPN
ajis02-327	7	25	insurance	insurance	PROPN
ajis02-327	7	26	agency	agency	NOUN
ajis02-327	7	27	system	system	NOUN
ajis02-327	7	28	.	.	PUNCT
ajis02-327	8	1	"	"	PUNCT
ajis02-327	8	2	it	it	PRON
ajis02-327	8	3	was	be	AUX
ajis02-327	8	4	no	no	DET
ajis02-327	8	5	accident	accident	NOUN
ajis02-327	8	6	that	that	DET
ajis02-327	8	7	salesmanship	salesmanship	NOUN
ajis02-327	8	8	had	have	VERB
ajis02-327	8	9	a	a	DET
ajis02-327	8	10	renaissance	renaissance	NOUN
ajis02-327	8	11	in	in	ADP
ajis02-327	8	12	the	the	DET
ajis02-327	8	13	merchandising	merchandising	NOUN
ajis02-327	8	14	of	of	ADP
ajis02-327	8	15	insurance	insurance	NOUN
ajis02-327	8	16	,	,	PUNCT
ajis02-327	8	17	the	the	DET
ajis02-327	8	18	invisible	invisible	ADJ
ajis02-327	8	19	commodity	commodity	NOUN
ajis02-327	8	20	.	.	PUNCT
ajis02-327	9	1	for	for	ADP
ajis02-327	9	2	insurance	insurance	NOUN
ajis02-327	9	3	was	be	AUX
ajis02-327	9	4	complicated	complicate	VERB
ajis02-327	9	5	and	and	CCONJ
ajis02-327	9	6	required	require	VERB
ajis02-327	9	7	detailed	detailed	ADJ
ajis02-327	9	8	explanation	explanation	NOUN
ajis02-327	9	9	to	to	ADP
ajis02-327	9	10	everybody	everybody	PRON
ajis02-327	9	11	,	,	PUNCT
ajis02-327	9	12	but	but	CCONJ
ajis02-327	9	13	especially	especially	ADV
ajis02-327	9	14	to	to	ADP
ajis02-327	9	15	the	the	DET
ajis02-327	9	16	democratic	democratic	ADJ
ajis02-327	9	17	millions	million	NOUN
ajis02-327	9	18	who	who	PRON
ajis02-327	9	19	in	in	ADP
ajis02-327	9	20	america	america	PROPN
ajis02-327	9	21	would	would	AUX
ajis02-327	9	22	have	have	VERB
ajis02-327	9	23	the	the	DET
ajis02-327	9	24	opportunity	opportunity	NOUN
ajis02-327	9	25	to	to	PART
ajis02-327	9	26	become	become	VERB
ajis02-327	9	27	insurance	insurance	NOUN
ajis02-327	9	28	customers	customer	NOUN
ajis02-327	9	29	...	...	PUNCT
ajis02-327	10	1	the	the	DET
ajis02-327	10	2	abstract	abstract	ADJ
ajis02-327	10	3	and	and	CCONJ
ajis02-327	10	4	complex	complex	ADJ
ajis02-327	10	5	qualities	quality	NOUN
ajis02-327	10	6	of	of	ADP
ajis02-327	10	7	insurance	insurance	NOUN
ajis02-327	10	8	together	together	ADV
ajis02-327	10	9	with	with	ADP
ajis02-327	10	10	its	its	PRON
ajis02-327	10	11	intimate	intimate	ADJ
ajis02-327	10	12	and	and	CCONJ
ajis02-327	10	13	personal	personal	ADJ
ajis02-327	10	14	aspects	aspect	NOUN
ajis02-327	10	15	,	,	PUNCT
ajis02-327	10	16	continued	continue	VERB
ajis02-327	10	17	to	to	PART
ajis02-327	10	18	keep	keep	VERB
ajis02-327	10	19	it	it	PRON
ajis02-327	10	20	as	as	ADP
ajis02-327	10	21	a	a	DET
ajis02-327	10	22	last	last	ADJ
ajis02-327	10	23	preserve	preserve	NOUN
ajis02-327	10	24	for	for	ADP
ajis02-327	10	25	the	the	DET
ajis02-327	10	26	salesman	salesman	NOUN
ajis02-327	10	27	against	against	ADP
ajis02-327	10	28	advertising	advertising	NOUN
ajis02-327	10	29	"	"	PUNCT
ajis02-327	10	30	daniel	daniel	PROPN
ajis02-327	10	31	boorstin	boorstin	PROPN
ajis02-327	10	32	,	,	PUNCT
ajis02-327	10	33	librarian	librarian	PROPN
ajis02-327	10	34	of	of	ADP
ajis02-327	10	35	congress	congress	PROPN
ajis02-327	10	36	introduction	introduction	NOUN
ajis02-327	10	37	coase	coase	NOUN
ajis02-327	10	38	(	(	PUNCT
ajis02-327	10	39	1937:22	1937:22	NUM
ajis02-327	10	40	)	)	PUNCT
ajis02-327	10	41	defines	define	VERB
ajis02-327	10	42	the	the	DET
ajis02-327	10	43	firm	firm	NOUN
ajis02-327	10	44	as	as	ADP
ajis02-327	10	45	consisting	consist	VERB
ajis02-327	10	46	of	of	ADP
ajis02-327	10	47	"	"	PUNCT
ajis02-327	10	48	the	the	DET
ajis02-327	10	49	system	system	NOUN
ajis02-327	10	50	of	of	ADP
ajis02-327	10	51	relationships	relationship	NOUN
ajis02-327	10	52	which	which	PRON
ajis02-327	10	53	comes	come	VERB
ajis02-327	10	54	into	into	ADP
ajis02-327	10	55	existence	existence	NOUN
ajis02-327	10	56	when	when	SCONJ
ajis02-327	10	57	the	the	DET
ajis02-327	10	58	direction	direction	NOUN
ajis02-327	10	59	of	of	ADP
ajis02-327	10	60	resources	resource	NOUN
ajis02-327	10	61	is	be	AUX
ajis02-327	10	62	dependent	dependent	ADJ
ajis02-327	10	63	on	on	ADP
ajis02-327	10	64	an	an	DET
ajis02-327	10	65	entrepreneur	entrepreneur	NOUN
ajis02-327	10	66	"	"	PUNCT
ajis02-327	10	67	.	.	PUNCT
ajis02-327	11	1	for	for	ADP
ajis02-327	11	2	over	over	ADP
ajis02-327	11	3	half	half	DET
ajis02-327	11	4	a	a	DET
ajis02-327	11	5	century	century	NOUN
ajis02-327	11	6	,	,	PUNCT
ajis02-327	11	7	scholars	scholar	NOUN
ajis02-327	11	8	have	have	AUX
ajis02-327	11	9	followed	follow	VERB
ajis02-327	11	10	coase	coase	PROPN
ajis02-327	11	11	's	's	PART
ajis02-327	11	12	insight	insight	NOUN
ajis02-327	11	13	into	into	ADP
ajis02-327	11	14	the	the	DET
ajis02-327	11	15	nature	nature	NOUN
ajis02-327	11	16	of	of	ADP
ajis02-327	11	17	the	the	DET
ajis02-327	11	18	firm	firm	NOUN
ajis02-327	11	19	by	by	ADP
ajis02-327	11	20	recognising	recognise	VERB
ajis02-327	11	21	firms	firm	NOUN
ajis02-327	11	22	as	as	ADP
ajis02-327	11	23	collections	collection	NOUN
ajis02-327	11	24	of	of	ADP
ajis02-327	11	25	activities	activity	NOUN
ajis02-327	11	26	that	that	PRON
ajis02-327	11	27	are	be	AUX
ajis02-327	11	28	coordinated	coordinate	VERB
ajis02-327	11	29	together	together	ADV
ajis02-327	11	30	to	to	PART
ajis02-327	11	31	produce	produce	VERB
ajis02-327	11	32	,	,	PUNCT
ajis02-327	11	33	market	market	NOUN
ajis02-327	11	34	,	,	PUNCT
ajis02-327	11	35	deliver	deliver	VERB
ajis02-327	11	36	,	,	PUNCT
ajis02-327	11	37	and	and	CCONJ
ajis02-327	11	38	support	support	VERB
ajis02-327	11	39	the	the	DET
ajis02-327	11	40	firm	firm	NOUN
ajis02-327	11	41	's	's	PART
ajis02-327	11	42	product	product	NOUN
ajis02-327	11	43	or	or	CCONJ
ajis02-327	11	44	service	service	NOUN
ajis02-327	11	45	(	(	PUNCT
ajis02-327	11	46	williamson	williamson	PROPN
ajis02-327	11	47	1975	1975	NUM
ajis02-327	11	48	;	;	PUNCT
ajis02-327	11	49	porter	porter	NOUN
ajis02-327	11	50	1985	1985	NUM
ajis02-327	11	51	;	;	PUNCT
ajis02-327	11	52	mines	mine	NOUN
ajis02-327	11	53	1993	1993	NUM
ajis02-327	11	54	)	)	PUNCT
ajis02-327	11	55	.	.	PUNCT
ajis02-327	12	1	the	the	DET
ajis02-327	12	2	manner	manner	NOUN
ajis02-327	12	3	and	and	CCONJ
ajis02-327	12	4	structure	structure	NOUN
ajis02-327	12	5	through	through	ADP
ajis02-327	12	6	which	which	PRON
ajis02-327	12	7	a	a	DET
ajis02-327	12	8	firm	firm	NOUN
ajis02-327	12	9	manages	manage	VERB
ajis02-327	12	10	its	its	PRON
ajis02-327	12	11	relationships	relationship	NOUN
ajis02-327	12	12	with	with	ADP
ajis02-327	12	13	its	its	PRON
ajis02-327	12	14	buyers	buyer	NOUN
ajis02-327	12	15	and	and	CCONJ
ajis02-327	12	16	suppliers	supplier	NOUN
ajis02-327	12	17	form	form	VERB
ajis02-327	12	18	its	its	PRON
ajis02-327	12	19	value	value	NOUN
ajis02-327	12	20	system	system	NOUN
ajis02-327	12	21	.	.	PUNCT
ajis02-327	13	1	the	the	DET
ajis02-327	13	2	implementation	implementation	NOUN
ajis02-327	13	3	of	of	ADP
ajis02-327	13	4	value	value	NOUN
ajis02-327	13	5	systems	system	NOUN
ajis02-327	13	6	was	be	AUX
ajis02-327	13	7	partly	partly	ADV
ajis02-327	13	8	facilitated	facilitate	VERB
ajis02-327	13	9	by	by	ADP
ajis02-327	13	10	the	the	DET
ajis02-327	13	11	development	development	NOUN
ajis02-327	13	12	of	of	ADP
ajis02-327	13	13	information	information	NOUN
ajis02-327	13	14	systems	system	NOUN
ajis02-327	13	15	that	that	PRON
ajis02-327	13	16	cross	cross	VERB
ajis02-327	13	17	organisational	organisational	ADJ
ajis02-327	13	18	boundaries	boundary	NOUN
ajis02-327	13	19	.	.	PUNCT
ajis02-327	14	1	inter	inter	ADJ
ajis02-327	14	2	-	-	ADJ
ajis02-327	14	3	organisational	organisational	ADJ
ajis02-327	14	4	information	information	NOUN
ajis02-327	14	5	systems	system	NOUN
ajis02-327	14	6	,	,	PUNCT
ajis02-327	14	7	first	first	ADV
ajis02-327	14	8	described	describe	VERB
ajis02-327	14	9	by	by	ADP
ajis02-327	14	10	barrett	barrett	PROPN
ajis02-327	14	11	and	and	CCONJ
ajis02-327	14	12	konsynski	konsynski	PROPN
ajis02-327	14	13	(	(	PUNCT
ajis02-327	14	14	1982	1982	NUM
ajis02-327	14	15	)	)	PUNCT
ajis02-327	14	16	,	,	PUNCT
ajis02-327	14	17	electronically	electronically	ADV
ajis02-327	14	18	link	link	VERB
ajis02-327	14	19	firms	firm	NOUN
ajis02-327	14	20	to	to	ADP
ajis02-327	14	21	their	their	PRON
ajis02-327	14	22	suppliers	supplier	NOUN
ajis02-327	14	23	and	and	CCONJ
ajis02-327	14	24	distributors	distributor	NOUN
ajis02-327	14	25	.	.	PUNCT
ajis02-327	15	1	reported	report	VERB
ajis02-327	15	2	benefits	benefit	NOUN
ajis02-327	15	3	from	from	ADP
ajis02-327	15	4	inter	inter	ADJ
ajis02-327	15	5	-	-	ADJ
ajis02-327	15	6	organisational	organisational	ADJ
ajis02-327	15	7	systems	system	NOUN
ajis02-327	15	8	include	include	VERB
ajis02-327	15	9	increased	increase	VERB
ajis02-327	15	10	efficiency	efficiency	NOUN
ajis02-327	15	11	of	of	ADP
ajis02-327	15	12	order	order	NOUN
ajis02-327	15	13	processing	processing	NOUN
ajis02-327	15	14	,	,	PUNCT
ajis02-327	15	15	reduced	reduce	VERB
ajis02-327	15	16	costs	cost	NOUN
ajis02-327	15	17	from	from	ADP
ajis02-327	15	18	just	just	ADV
ajis02-327	15	19	-	-	PUNCT
ajis02-327	15	20	in	in	ADP
ajis02-327	15	21	-	-	PUNCT
ajis02-327	15	22	time	time	NOUN
ajis02-327	15	23	inventory	inventory	NOUN
ajis02-327	15	24	management	management	NOUN
ajis02-327	15	25	,	,	PUNCT
ajis02-327	15	26	locking	lock	VERB
ajis02-327	15	27	in	in	ADP
ajis02-327	15	28	trading	trading	NOUN
ajis02-327	15	29	partners	partner	NOUN
ajis02-327	15	30	through	through	ADP
ajis02-327	15	31	network	network	NOUN
ajis02-327	15	32	participation	participation	NOUN
ajis02-327	15	33	,	,	PUNCT
ajis02-327	15	34	customisation	customisation	NOUN
ajis02-327	15	35	of	of	ADP
ajis02-327	15	36	products	product	NOUN
ajis02-327	15	37	and	and	CCONJ
ajis02-327	15	38	services	service	NOUN
ajis02-327	15	39	,	,	PUNCT
ajis02-327	15	40	improved	improved	ADJ
ajis02-327	15	41	coordination	coordination	NOUN
ajis02-327	15	42	at	at	ADP
ajis02-327	15	43	the	the	DET
ajis02-327	15	44	interface	interface	NOUN
ajis02-327	15	45	between	between	ADP
ajis02-327	15	46	the	the	DET
ajis02-327	15	47	customer	customer	NOUN
ajis02-327	15	48	and	and	CCONJ
ajis02-327	15	49	supplier	supplier	NOUN
ajis02-327	15	50	,	,	PUNCT
ajis02-327	15	51	improved	improve	VERB
ajis02-327	15	52	organisational	organisational	ADJ
ajis02-327	15	53	efficiency	efficiency	NOUN
ajis02-327	15	54	,	,	PUNCT
ajis02-327	15	55	better	well	ADJ
ajis02-327	15	56	information	information	NOUN
ajis02-327	15	57	management	management	NOUN
ajis02-327	15	58	,	,	PUNCT
ajis02-327	15	59	and	and	CCONJ
ajis02-327	15	60	lower	low	ADJ
ajis02-327	15	61	overall	overall	ADJ
ajis02-327	15	62	co	co	ADJ
ajis02-327	15	63	-	-	NOUN
ajis02-327	15	64	ordination	ordination	ADJ
ajis02-327	15	65	costs	cost	NOUN
ajis02-327	15	66	(	(	PUNCT
ajis02-327	15	67	bakos	bakos	NOUN
ajis02-327	15	68	1991	1991	NUM
ajis02-327	15	69	;	;	PUNCT
ajis02-327	15	70	steinfield	steinfield	PROPN
ajis02-327	15	71	,	,	PUNCT
ajis02-327	15	72	kraut	kraut	NOUN
ajis02-327	15	73	and	and	CCONJ
ajis02-327	15	74	plummer	plummer	PROPN
ajis02-327	15	75	1995	1995	NUM
ajis02-327	15	76	)	)	PUNCT
ajis02-327	15	77	.	.	PUNCT
ajis02-327	16	1	these	these	DET
ajis02-327	16	2	electronic	electronic	ADJ
ajis02-327	16	3	interactions	interaction	NOUN
ajis02-327	16	4	provided	provide	VERB
ajis02-327	16	5	the	the	DET
ajis02-327	16	6	early	early	ADJ
ajis02-327	16	7	foundation	foundation	NOUN
ajis02-327	16	8	for	for	ADP
ajis02-327	16	9	electronic	electronic	ADJ
ajis02-327	16	10	marketplaces	marketplace	NOUN
ajis02-327	16	11	.	.	PUNCT
ajis02-327	17	1	within	within	ADP
ajis02-327	17	2	the	the	DET
ajis02-327	17	3	broader	broad	ADJ
ajis02-327	17	4	sphere	sphere	NOUN
ajis02-327	17	5	of	of	ADP
ajis02-327	17	6	electronic	electronic	ADJ
ajis02-327	17	7	commerce	commerce	NOUN
ajis02-327	17	8	,	,	PUNCT
ajis02-327	17	9	advancements	advancement	NOUN
ajis02-327	17	10	in	in	ADP
ajis02-327	17	11	information	information	NOUN
ajis02-327	17	12	technology	technology	NOUN
ajis02-327	17	13	have	have	AUX
ajis02-327	17	14	influenced	influence	VERB
ajis02-327	17	15	the	the	DET
ajis02-327	17	16	different	different	ADJ
ajis02-327	17	17	mechanisms	mechanism	NOUN
ajis02-327	17	18	that	that	PRON
ajis02-327	17	19	co	co	VERB
ajis02-327	17	20	-	-	NOUN
ajis02-327	17	21	ordinate	ordinate	VERB
ajis02-327	17	22	the	the	DET
ajis02-327	17	23	flow	flow	NOUN
ajis02-327	17	24	of	of	ADP
ajis02-327	17	25	information	information	NOUN
ajis02-327	17	26	and	and	CCONJ
ajis02-327	17	27	commerce	commerce	PROPN
ajis02-327	17	28	.	.	PUNCT
ajis02-327	18	1	williamson	williamson	PROPN
ajis02-327	18	2	(	(	PUNCT
ajis02-327	18	3	1975	1975	NUM
ajis02-327	18	4	)	)	PUNCT
ajis02-327	18	5	proposed	propose	VERB
ajis02-327	18	6	that	that	SCONJ
ajis02-327	18	7	firms	firm	NOUN
ajis02-327	18	8	exist	exist	VERB
ajis02-327	18	9	to	to	PART
ajis02-327	18	10	reduce	reduce	VERB
ajis02-327	18	11	the	the	DET
ajis02-327	18	12	cost	cost	NOUN
ajis02-327	18	13	of	of	ADP
ajis02-327	18	14	negotiating	negotiating	NOUN
ajis02-327	18	15	,	,	PUNCT
ajis02-327	18	16	monitoring	monitoring	NOUN
ajis02-327	18	17	and	and	CCONJ
ajis02-327	18	18	executing	execute	VERB
ajis02-327	18	19	transactions	transaction	NOUN
ajis02-327	18	20	that	that	PRON
ajis02-327	18	21	are	be	AUX
ajis02-327	18	22	required	require	VERB
ajis02-327	18	23	to	to	PART
ajis02-327	18	24	acquire	acquire	VERB
ajis02-327	18	25	goods	good	NOUN
ajis02-327	18	26	and	and	CCONJ
ajis02-327	18	27	services	service	NOUN
ajis02-327	18	28	in	in	ADP
ajis02-327	18	29	the	the	DET
ajis02-327	18	30	open	open	ADJ
ajis02-327	18	31	market	market	NOUN
ajis02-327	18	32	,	,	PUNCT
ajis02-327	18	33	with	with	ADP
ajis02-327	18	34	the	the	DET
ajis02-327	18	35	distinction	distinction	NOUN
ajis02-327	18	36	between	between	ADP
ajis02-327	18	37	a	a	DET
ajis02-327	18	38	market	market	NOUN
ajis02-327	18	39	and	and	CCONJ
ajis02-327	18	40	a	a	DET
ajis02-327	18	41	hierarchy	hierarchy	NOUN
ajis02-327	18	42	based	base	VERB
ajis02-327	18	43	on	on	ADP
ajis02-327	18	44	the	the	DET
ajis02-327	18	45	economic	economic	ADJ
ajis02-327	18	46	location	location	NOUN
ajis02-327	18	47	of	of	ADP
ajis02-327	18	48	production	production	NOUN
ajis02-327	18	49	.	.	PUNCT
ajis02-327	19	1	firms	firm	NOUN
ajis02-327	19	2	choose	choose	VERB
ajis02-327	19	3	vertical	vertical	ADJ
ajis02-327	19	4	integration	integration	NOUN
ajis02-327	19	5	to	to	PART
ajis02-327	19	6	control	control	VERB
ajis02-327	19	7	transaction	transaction	NOUN
ajis02-327	19	8	processes	process	NOUN
ajis02-327	19	9	when	when	SCONJ
ajis02-327	19	10	transactions	transaction	NOUN
ajis02-327	19	11	costs	cost	NOUN
ajis02-327	19	12	are	be	AUX
ajis02-327	19	13	excessive	excessive	ADJ
ajis02-327	19	14	while	while	SCONJ
ajis02-327	19	15	choosing	choose	VERB
ajis02-327	19	16	to	to	PART
ajis02-327	19	17	participate	participate	VERB
ajis02-327	19	18	in	in	ADP
ajis02-327	19	19	markets	market	NOUN
ajis02-327	19	20	when	when	SCONJ
ajis02-327	19	21	transaction	transaction	NOUN
ajis02-327	19	22	costs	cost	NOUN
ajis02-327	19	23	are	be	AUX
ajis02-327	19	24	low	low	ADJ
ajis02-327	19	25	(	(	PUNCT
ajis02-327	19	26	nouwens	nouwen	NOUN
ajis02-327	19	27	and	and	CCONJ
ajis02-327	19	28	bouwman	bouwman	NOUN
ajis02-327	19	29	1995	1995	NUM
ajis02-327	19	30	)	)	PUNCT
ajis02-327	19	31	.	.	PUNCT
ajis02-327	20	1	with	with	ADP
ajis02-327	20	2	the	the	DET
ajis02-327	20	3	introduction	introduction	NOUN
ajis02-327	20	4	of	of	ADP
ajis02-327	20	5	computing	computing	NOUN
ajis02-327	20	6	and	and	CCONJ
ajis02-327	20	7	communications	communication	NOUN
ajis02-327	20	8	technologies	technology	NOUN
ajis02-327	20	9	into	into	ADP
ajis02-327	20	10	the	the	DET
ajis02-327	20	11	processes	process	NOUN
ajis02-327	20	12	through	through	ADP
ajis02-327	20	13	which	which	PRON
ajis02-327	20	14	firms	firm	NOUN
ajis02-327	20	15	manage	manage	VERB
ajis02-327	20	16	and	and	CCONJ
ajis02-327	20	17	co	co	VERB
ajis02-327	20	18	-	-	NOUN
ajis02-327	20	19	ordinate	ordinate	VERB
ajis02-327	20	20	their	their	PRON
ajis02-327	20	21	transactions	transaction	NOUN
ajis02-327	20	22	,	,	PUNCT
ajis02-327	20	23	traditional	traditional	ADJ
ajis02-327	20	24	hierarchical	hierarchical	ADJ
ajis02-327	20	25	and	and	CCONJ
ajis02-327	20	26	market	market	NOUN
ajis02-327	20	27	co	co	NOUN
ajis02-327	20	28	-	-	NOUN
ajis02-327	20	29	ordination	ordination	ADJ
ajis02-327	20	30	mechanisms	mechanism	NOUN
ajis02-327	20	31	are	be	AUX
ajis02-327	20	32	affected	affect	VERB
ajis02-327	20	33	,	,	PUNCT
ajis02-327	20	34	culminating	culminate	VERB
ajis02-327	20	35	in	in	ADP
ajis02-327	20	36	electronic	electronic	ADJ
ajis02-327	20	37	hierarchies	hierarchy	NOUN
ajis02-327	20	38	and	and	CCONJ
ajis02-327	20	39	electronic	electronic	ADJ
ajis02-327	20	40	markets	market	NOUN
ajis02-327	20	41	(	(	PUNCT
ajis02-327	20	42	malone	malone	PROPN
ajis02-327	20	43	,	,	PUNCT
ajis02-327	20	44	yates	yates	PROPN
ajis02-327	20	45	and	and	CCONJ
ajis02-327	20	46	benjamin	benjamin	PROPN
ajis02-327	20	47	1989	1989	NUM
ajis02-327	20	48	)	)	PUNCT
ajis02-327	20	49	.	.	PUNCT
ajis02-327	21	1	bakos	bakos	NOUN
ajis02-327	21	2	(	(	PUNCT
ajis02-327	21	3	1991	1991	NUM
ajis02-327	21	4	)	)	PUNCT
ajis02-327	21	5	defines	define	VERB
ajis02-327	21	6	an	an	DET
ajis02-327	21	7	electronic	electronic	ADJ
ajis02-327	21	8	hierarchy	hierarchy	NOUN
ajis02-327	21	9	as	as	ADP
ajis02-327	21	10	an	an	DET
ajis02-327	21	11	electronic	electronic	ADJ
ajis02-327	21	12	link	link	NOUN
ajis02-327	21	13	that	that	PRON
ajis02-327	21	14	serves	serve	VERB
ajis02-327	21	15	as	as	ADP
ajis02-327	21	16	a	a	DET
ajis02-327	21	17	tool	tool	NOUN
ajis02-327	21	18	for	for	ADP
ajis02-327	21	19	bilateral	bilateral	ADJ
ajis02-327	21	20	information	information	NOUN
ajis02-327	21	21	sharing	sharing	NOUN
ajis02-327	21	22	and	and	CCONJ
ajis02-327	21	23	defines	define	VERB
ajis02-327	21	24	an	an	DET
ajis02-327	21	25	electronic	electronic	ADJ
ajis02-327	21	26	market	market	NOUN
ajis02-327	21	27	as	as	ADP
ajis02-327	21	28	a	a	DET
ajis02-327	21	29	market	market	NOUN
ajis02-327	21	30	system	system	NOUN
ajis02-327	21	31	that	that	PRON
ajis02-327	21	32	allows	allow	VERB
ajis02-327	21	33	buyers	buyer	NOUN
ajis02-327	21	34	and	and	CCONJ
ajis02-327	21	35	sellers	seller	NOUN
ajis02-327	21	36	to	to	PART
ajis02-327	21	37	exchange	exchange	VERB
ajis02-327	21	38	information	information	NOUN
ajis02-327	21	39	about	about	ADP
ajis02-327	21	40	market	market	NOUN
ajis02-327	21	41	prices	price	NOUN
ajis02-327	21	42	and	and	CCONJ
ajis02-327	21	43	product	product	NOUN
ajis02-327	21	44	offerings	offering	NOUN
ajis02-327	21	45	,	,	PUNCT
ajis02-327	21	46	thus	thus	ADV
ajis02-327	21	47	representing	represent	VERB
ajis02-327	21	48	an	an	DET
ajis02-327	21	49	investment	investment	NOUN
ajis02-327	21	50	in	in	ADP
ajis02-327	21	51	multilateral	multilateral	ADJ
ajis02-327	21	52	information	information	NOUN
ajis02-327	21	53	sharing	sharing	NOUN
ajis02-327	21	54	.	.	PUNCT
ajis02-327	22	1	as	as	SCONJ
ajis02-327	22	2	the	the	DET
ajis02-327	22	3	presence	presence	NOUN
ajis02-327	22	4	of	of	ADP
ajis02-327	22	5	electronic	electronic	ADJ
ajis02-327	22	6	hierarchies	hierarchy	NOUN
ajis02-327	22	7	and	and	CCONJ
ajis02-327	22	8	electronic	electronic	ADJ
ajis02-327	22	9	markets	market	NOUN
ajis02-327	22	10	has	have	AUX
ajis02-327	22	11	increased	increase	VERB
ajis02-327	22	12	in	in	ADP
ajis02-327	22	13	the	the	DET
ajis02-327	22	14	commercial	commercial	ADJ
ajis02-327	22	15	environment	environment	NOUN
ajis02-327	22	16	,	,	PUNCT
ajis02-327	22	17	different	different	ADJ
ajis02-327	22	18	theories	theory	NOUN
ajis02-327	22	19	have	have	AUX
ajis02-327	22	20	emerged	emerge	VERB
ajis02-327	22	21	to	to	PART
ajis02-327	22	22	explain	explain	VERB
ajis02-327	22	23	their	their	PRON
ajis02-327	22	24	use	use	NOUN
ajis02-327	22	25	and	and	CCONJ
ajis02-327	22	26	future	future	ADJ
ajis02-327	22	27	direction	direction	NOUN
ajis02-327	22	28	.	.	PUNCT
ajis02-327	23	1	20	20	NUM
ajis02-327	23	2	ajis	ajis	NOUN
ajis02-327	23	3	special	special	PROPN
ajis02-327	23	4	edition	edition	NOUN
ajis02-327	23	5	electronic	electronic	PROPN
ajis02-327	23	6	commerce	commerce	PROPN
ajis02-327	23	7	november	november	PROPN
ajis02-327	23	8	1998	1998	NUM
ajis02-327	23	9	the	the	DET
ajis02-327	23	10	electronic	electronic	ADJ
ajis02-327	23	11	markets	market	NOUN
ajis02-327	23	12	hypothesis	hypothesis	NOUN
ajis02-327	23	13	(	(	PUNCT
ajis02-327	23	14	emh	emh	PROPN
ajis02-327	23	15	)	)	PUNCT
ajis02-327	23	16	predicts	predict	VERB
ajis02-327	23	17	that	that	SCONJ
ajis02-327	23	18	the	the	DET
ajis02-327	23	19	effect	effect	NOUN
ajis02-327	23	20	of	of	ADP
ajis02-327	23	21	technology	technology	NOUN
ajis02-327	23	22	on	on	ADP
ajis02-327	23	23	market	market	NOUN
ajis02-327	23	24	mechanisms	mechanism	NOUN
ajis02-327	23	25	will	will	AUX
ajis02-327	23	26	increase	increase	VERB
ajis02-327	23	27	the	the	DET
ajis02-327	23	28	proportion	proportion	NOUN
ajis02-327	23	29	of	of	ADP
ajis02-327	23	30	economic	economic	ADJ
ajis02-327	23	31	activity	activity	NOUN
ajis02-327	23	32	coordinated	coordinate	VERB
ajis02-327	23	33	by	by	ADP
ajis02-327	23	34	markets	market	NOUN
ajis02-327	23	35	,	,	PUNCT
ajis02-327	23	36	with	with	ADP
ajis02-327	23	37	a	a	DET
ajis02-327	23	38	shift	shift	NOUN
ajis02-327	23	39	from	from	ADP
ajis02-327	23	40	hierarchies	hierarchy	NOUN
ajis02-327	23	41	(	(	PUNCT
ajis02-327	23	42	malone	malone	PROPN
ajis02-327	23	43	,	,	PUNCT
ajis02-327	23	44	yates	yates	PROPN
ajis02-327	23	45	and	and	CCONJ
ajis02-327	23	46	benjamin	benjamin	PROPN
ajis02-327	23	47	1987	1987	NUM
ajis02-327	23	48	)	)	PUNCT
ajis02-327	23	49	.	.	PUNCT
ajis02-327	24	1	the	the	DET
ajis02-327	24	2	theory	theory	NOUN
ajis02-327	24	3	states	state	VERB
ajis02-327	24	4	that	that	PRON
ajis02-327	24	5	advances	advance	VERB
ajis02-327	24	6	in	in	ADP
ajis02-327	24	7	computing	computing	NOUN
ajis02-327	24	8	and	and	CCONJ
ajis02-327	24	9	communications	communication	NOUN
ajis02-327	24	10	technology	technology	NOUN
ajis02-327	24	11	will	will	AUX
ajis02-327	24	12	facilitate	facilitate	VERB
ajis02-327	24	13	an	an	DET
ajis02-327	24	14	evolution	evolution	NOUN
ajis02-327	24	15	from	from	ADP
ajis02-327	24	16	electronic	electronic	ADJ
ajis02-327	24	17	hierarchies	hierarchy	NOUN
ajis02-327	24	18	,	,	PUNCT
ajis02-327	24	19	through	through	ADP
ajis02-327	24	20	biased	biased	ADJ
ajis02-327	24	21	and	and	CCONJ
ajis02-327	24	22	unbiased	unbiased	ADJ
ajis02-327	24	23	electronic	electronic	ADJ
ajis02-327	24	24	markets	market	NOUN
ajis02-327	24	25	,	,	PUNCT
ajis02-327	24	26	to	to	ADP
ajis02-327	24	27	a	a	DET
ajis02-327	24	28	personalised	personalised	ADJ
ajis02-327	24	29	electronic	electronic	ADJ
ajis02-327	24	30	market	market	NOUN
ajis02-327	24	31	.	.	PUNCT
ajis02-327	25	1	1	1	NUM
ajis02-327	25	2	examples	example	NOUN
ajis02-327	25	3	offered	offer	VERB
ajis02-327	25	4	by	by	ADP
ajis02-327	25	5	malone	malone	PROPN
ajis02-327	25	6	et	et	PROPN
ajis02-327	25	7	al	al	PROPN
ajis02-327	25	8	.	.	PUNCT
ajis02-327	25	9	to	to	PART
ajis02-327	25	10	support	support	VERB
ajis02-327	25	11	the	the	DET
ajis02-327	25	12	emh	emh	PROPN
ajis02-327	25	13	include	include	VERB
ajis02-327	25	14	airline	airline	NOUN
ajis02-327	25	15	reservation	reservation	NOUN
ajis02-327	25	16	systems	system	NOUN
ajis02-327	25	17	,	,	PUNCT
ajis02-327	25	18	and	and	CCONJ
ajis02-327	25	19	companies	company	NOUN
ajis02-327	25	20	such	such	ADJ
ajis02-327	25	21	as	as	ADP
ajis02-327	25	22	ibm	ibm	PROPN
ajis02-327	25	23	,	,	PUNCT
ajis02-327	25	24	xerox	xerox	PROPN
ajis02-327	25	25	,	,	PUNCT
ajis02-327	25	26	and	and	CCONJ
ajis02-327	25	27	general	general	ADJ
ajis02-327	25	28	electric	electric	ADJ
ajis02-327	25	29	(	(	PUNCT
ajis02-327	25	30	1987,490	1987,490	NUM
ajis02-327	25	31	)	)	PUNCT
ajis02-327	25	32	.	.	PUNCT
ajis02-327	26	1	the	the	DET
ajis02-327	26	2	move	move	NOUN
ajis02-327	26	3	to	to	ADP
ajis02-327	26	4	the	the	DET
ajis02-327	26	5	middle	middle	ADJ
ajis02-327	26	6	hypothesis	hypothesis	NOUN
ajis02-327	26	7	(	(	PUNCT
ajis02-327	26	8	mmh	mmh	X
ajis02-327	26	9	)	)	PUNCT
ajis02-327	26	10	offers	offer	VERB
ajis02-327	26	11	a	a	DET
ajis02-327	26	12	refinement	refinement	NOUN
ajis02-327	26	13	on	on	ADP
ajis02-327	26	14	the	the	DET
ajis02-327	26	15	emh	emh	PROPN
ajis02-327	26	16	.	.	PUNCT
ajis02-327	27	1	the	the	DET
ajis02-327	27	2	mmh	mmh	PROPN
ajis02-327	27	3	recognises	recognise	VERB
ajis02-327	27	4	advances	advance	NOUN
ajis02-327	27	5	in	in	ADP
ajis02-327	27	6	computing	computing	NOUN
ajis02-327	27	7	and	and	CCONJ
ajis02-327	27	8	communications	communication	NOUN
ajis02-327	27	9	have	have	AUX
ajis02-327	27	10	affected	affect	VERB
ajis02-327	27	11	the	the	DET
ajis02-327	27	12	costs	cost	NOUN
ajis02-327	27	13	of	of	ADP
ajis02-327	27	14	co	co	NOUN
ajis02-327	27	15	-	-	NOUN
ajis02-327	27	16	ordination	ordination	NOUN
ajis02-327	27	17	in	in	ADP
ajis02-327	27	18	which	which	PRON
ajis02-327	27	19	value	value	NOUN
ajis02-327	27	20	chain	chain	NOUN
ajis02-327	27	21	restructuring	restructuring	NOUN
ajis02-327	27	22	will	will	AUX
ajis02-327	27	23	be	be	AUX
ajis02-327	27	24	characterised	characterise	VERB
ajis02-327	27	25	by	by	ADP
ajis02-327	27	26	increased	increase	VERB
ajis02-327	27	27	outsourcing	outsourcing	NOUN
ajis02-327	27	28	and	and	CCONJ
ajis02-327	27	29	an	an	DET
ajis02-327	27	30	emphasis	emphasis	NOUN
ajis02-327	27	31	on	on	ADP
ajis02-327	27	32	close	close	ADJ
ajis02-327	27	33	,	,	PUNCT
ajis02-327	27	34	long	long	ADJ
ajis02-327	27	35	term	term	NOUN
ajis02-327	27	36	relationships	relationship	NOUN
ajis02-327	27	37	with	with	ADP
ajis02-327	27	38	suppliers	supplier	NOUN
ajis02-327	27	39	(	(	PUNCT
ajis02-327	27	40	clemens	clemen	NOUN
ajis02-327	27	41	,	,	PUNCT
ajis02-327	27	42	reddi	reddi	NOUN
ajis02-327	27	43	and	and	CCONJ
ajis02-327	27	44	row	row	NOUN
ajis02-327	27	45	1993	1993	NUM
ajis02-327	27	46	)	)	PUNCT
ajis02-327	27	47	.	.	PUNCT
ajis02-327	28	1	in	in	ADP
ajis02-327	28	2	short	short	ADJ
ajis02-327	28	3	,	,	PUNCT
ajis02-327	28	4	the	the	DET
ajis02-327	28	5	mmh	mmh	PROPN
ajis02-327	28	6	predicts	predict	VERB
ajis02-327	28	7	the	the	DET
ajis02-327	28	8	movement	movement	NOUN
ajis02-327	28	9	of	of	ADP
ajis02-327	28	10	activity	activity	NOUN
ajis02-327	28	11	along	along	ADP
ajis02-327	28	12	the	the	DET
ajis02-327	28	13	electronic	electronic	ADJ
ajis02-327	28	14	hierarchies	hierarchy	NOUN
ajis02-327	28	15	/	/	SYM
ajis02-327	28	16	markets	market	NOUN
ajis02-327	28	17	spectrum	spectrum	NOUN
ajis02-327	28	18	will	will	AUX
ajis02-327	28	19	be	be	AUX
ajis02-327	28	20	towards	towards	ADP
ajis02-327	28	21	the	the	DET
ajis02-327	28	22	middle	middle	NOUN
ajis02-327	28	23	of	of	ADP
ajis02-327	28	24	the	the	DET
ajis02-327	28	25	spectrum	spectrum	NOUN
ajis02-327	28	26	.	.	PUNCT
ajis02-327	29	1	thus	thus	ADV
ajis02-327	29	2	,	,	PUNCT
ajis02-327	29	3	the	the	DET
ajis02-327	29	4	reduction	reduction	NOUN
ajis02-327	29	5	in	in	ADP
ajis02-327	29	6	transaction	transaction	NOUN
ajis02-327	29	7	costs	cost	NOUN
ajis02-327	29	8	will	will	AUX
ajis02-327	29	9	not	not	PART
ajis02-327	29	10	cause	cause	VERB
ajis02-327	29	11	an	an	DET
ajis02-327	29	12	increase	increase	NOUN
ajis02-327	29	13	in	in	ADP
ajis02-327	29	14	the	the	DET
ajis02-327	29	15	optimal	optimal	ADJ
ajis02-327	29	16	number	number	NOUN
ajis02-327	29	17	of	of	ADP
ajis02-327	29	18	suppliers	supplier	NOUN
ajis02-327	29	19	,	,	PUNCT
ajis02-327	29	20	rather	rather	ADV
ajis02-327	29	21	buyers	buyer	NOUN
ajis02-327	29	22	and	and	CCONJ
ajis02-327	29	23	suppliers	supplier	NOUN
ajis02-327	29	24	will	will	AUX
ajis02-327	29	25	work	work	VERB
ajis02-327	29	26	closer	close	ADV
ajis02-327	29	27	together	together	ADV
ajis02-327	29	28	and	and	CCONJ
ajis02-327	29	29	develop	develop	VERB
ajis02-327	29	30	longer	long	ADJ
ajis02-327	29	31	term	term	NOUN
ajis02-327	29	32	relationships	relationship	NOUN
ajis02-327	29	33	.	.	PUNCT
ajis02-327	30	1	in	in	ADP
ajis02-327	30	2	limiting	limit	VERB
ajis02-327	30	3	the	the	DET
ajis02-327	30	4	number	number	NOUN
ajis02-327	30	5	of	of	ADP
ajis02-327	30	6	suppliers	supplier	NOUN
ajis02-327	30	7	,	,	PUNCT
ajis02-327	30	8	a	a	DET
ajis02-327	30	9	firm	firm	NOUN
ajis02-327	30	10	can	can	AUX
ajis02-327	30	11	be	be	AUX
ajis02-327	30	12	motivated	motivate	VERB
ajis02-327	30	13	by	by	ADP
ajis02-327	30	14	non	non	ADJ
ajis02-327	30	15	-	-	ADJ
ajis02-327	30	16	contractible	contractible	ADJ
ajis02-327	30	17	investments	investment	NOUN
ajis02-327	30	18	,	,	PUNCT
ajis02-327	30	19	such	such	ADJ
ajis02-327	30	20	as	as	ADP
ajis02-327	30	21	quality	quality	NOUN
ajis02-327	30	22	,	,	PUNCT
ajis02-327	30	23	responsiveness	responsiveness	NOUN
ajis02-327	30	24	,	,	PUNCT
ajis02-327	30	25	trust	trust	NOUN
ajis02-327	30	26	,	,	PUNCT
ajis02-327	30	27	information	information	NOUN
ajis02-327	30	28	sharing	sharing	NOUN
ajis02-327	30	29	and	and	CCONJ
ajis02-327	30	30	innovation	innovation	NOUN
ajis02-327	30	31	(	(	PUNCT
ajis02-327	30	32	bakos	bakos	NOUN
ajis02-327	30	33	and	and	CCONJ
ajis02-327	30	34	brynjolfsson	brynjolfsson	NOUN
ajis02-327	30	35	1993	1993	NUM
ajis02-327	30	36	)	)	PUNCT
ajis02-327	30	37	.	.	PUNCT
ajis02-327	31	1	it	it	PRON
ajis02-327	31	2	has	have	AUX
ajis02-327	31	3	been	be	AUX
ajis02-327	31	4	proposed	propose	VERB
ajis02-327	31	5	that	that	SCONJ
ajis02-327	31	6	information	information	NOUN
ajis02-327	31	7	technology	technology	NOUN
ajis02-327	31	8	investments	investment	NOUN
ajis02-327	31	9	are	be	AUX
ajis02-327	31	10	increasingly	increasingly	ADV
ajis02-327	31	11	becoming	become	VERB
ajis02-327	31	12	non	non	ADJ
ajis02-327	31	13	-	-	ADJ
ajis02-327	31	14	relationship	relationship	ADJ
ajis02-327	31	15	specific	specific	ADJ
ajis02-327	31	16	,	,	PUNCT
ajis02-327	31	17	and	and	CCONJ
ajis02-327	31	18	thus	thus	ADV
ajis02-327	31	19	,	,	PUNCT
ajis02-327	31	20	will	will	AUX
ajis02-327	31	21	be	be	AUX
ajis02-327	31	22	made	make	VERB
ajis02-327	31	23	with	with	ADP
ajis02-327	31	24	fewer	few	ADJ
ajis02-327	31	25	suppliers	supplier	NOUN
ajis02-327	31	26	and	and	CCONJ
ajis02-327	31	27	for	for	ADP
ajis02-327	31	28	longer	long	ADJ
ajis02-327	31	29	time	time	NOUN
ajis02-327	31	30	periods	period	NOUN
ajis02-327	31	31	due	due	ADJ
ajis02-327	31	32	to	to	ADP
ajis02-327	31	33	economies	economy	NOUN
ajis02-327	31	34	of	of	ADP
ajis02-327	31	35	scale	scale	NOUN
ajis02-327	31	36	,	,	PUNCT
ajis02-327	31	37	incentives	incentive	NOUN
ajis02-327	31	38	to	to	ADP
ajis02-327	31	39	suppliers	supplier	NOUN
ajis02-327	31	40	,	,	PUNCT
ajis02-327	31	41	reduced	reduce	VERB
ajis02-327	31	42	benefits	benefit	NOUN
ajis02-327	31	43	of	of	ADP
ajis02-327	31	44	search	search	NOUN
ajis02-327	31	45	,	,	PUNCT
ajis02-327	31	46	return	return	VERB
ajis02-327	31	47	on	on	ADP
ajis02-327	31	48	investment	investment	NOUN
ajis02-327	31	49	,	,	PUNCT
ajis02-327	31	50	learning	learn	VERB
ajis02-327	31	51	curve	curve	NOUN
ajis02-327	31	52	effects	effect	NOUN
ajis02-327	31	53	and	and	CCONJ
ajis02-327	31	54	other	other	ADJ
ajis02-327	31	55	incentives	incentive	NOUN
ajis02-327	31	56	(	(	PUNCT
ajis02-327	31	57	demons	demon	NOUN
ajis02-327	31	58	,	,	PUNCT
ajis02-327	31	59	reddi	reddi	NOUN
ajis02-327	31	60	and	and	CCONJ
ajis02-327	31	61	row	row	NOUN
ajis02-327	31	62	1993	1993	NUM
ajis02-327	31	63	)	)	PUNCT
ajis02-327	31	64	.	.	PUNCT
ajis02-327	32	1	bakos	bakos	NOUN
ajis02-327	32	2	and	and	CCONJ
ajis02-327	32	3	brynjolfsson	brynjolfsson	NOUN
ajis02-327	32	4	(	(	PUNCT
ajis02-327	32	5	1993	1993	NUM
ajis02-327	32	6	)	)	PUNCT
ajis02-327	32	7	found	find	VERB
ajis02-327	32	8	that	that	SCONJ
ajis02-327	32	9	although	although	SCONJ
ajis02-327	32	10	information	information	NOUN
ajis02-327	32	11	technology	technology	NOUN
ajis02-327	32	12	has	have	AUX
ajis02-327	32	13	reduced	reduce	VERB
ajis02-327	32	14	costs	cost	NOUN
ajis02-327	32	15	and	and	CCONJ
ajis02-327	32	16	theoretically	theoretically	ADV
ajis02-327	32	17	allows	allow	VERB
ajis02-327	32	18	for	for	ADP
ajis02-327	32	19	more	more	ADJ
ajis02-327	32	20	suppliers	supplier	NOUN
ajis02-327	32	21	,	,	PUNCT
ajis02-327	32	22	the	the	DET
ajis02-327	32	23	benefits	benefit	NOUN
ajis02-327	32	24	gained	gain	VERB
ajis02-327	32	25	by	by	ADP
ajis02-327	32	26	closer	close	ADJ
ajis02-327	32	27	buyer	buyer	NOUN
ajis02-327	32	28	-	-	PUNCT
ajis02-327	32	29	supplier	supplier	NOUN
ajis02-327	32	30	relationships	relationship	NOUN
ajis02-327	32	31	offset	offset	VERB
ajis02-327	32	32	the	the	DET
ajis02-327	32	33	possible	possible	ADJ
ajis02-327	32	34	benefits	benefit	NOUN
ajis02-327	32	35	of	of	ADP
ajis02-327	32	36	more	more	ADJ
ajis02-327	32	37	suppliers	supplier	NOUN
ajis02-327	32	38	(	(	PUNCT
ajis02-327	32	39	1993	1993	NUM
ajis02-327	32	40	)	)	PUNCT
ajis02-327	32	41	.	.	PUNCT
ajis02-327	33	1	these	these	DET
ajis02-327	33	2	relationships	relationship	NOUN
ajis02-327	33	3	of	of	ADP
ajis02-327	33	4	few	few	ADJ
ajis02-327	33	5	suppliers	supplier	NOUN
ajis02-327	33	6	with	with	ADP
ajis02-327	33	7	increased	increase	VERB
ajis02-327	33	8	co	co	NOUN
ajis02-327	33	9	-	-	NOUN
ajis02-327	33	10	operation	operation	NOUN
ajis02-327	33	11	and	and	CCONJ
ajis02-327	33	12	interaction	interaction	NOUN
ajis02-327	33	13	between	between	ADP
ajis02-327	33	14	buyers	buyer	NOUN
ajis02-327	33	15	and	and	CCONJ
ajis02-327	33	16	suppliers	supplier	NOUN
ajis02-327	33	17	have	have	AUX
ajis02-327	33	18	emerged	emerge	VERB
ajis02-327	33	19	as	as	ADP
ajis02-327	33	20	value	value	NOUN
ajis02-327	33	21	-	-	PUNCT
ajis02-327	33	22	adding	add	VERB
ajis02-327	33	23	partnerships	partnership	NOUN
ajis02-327	33	24	(	(	PUNCT
ajis02-327	33	25	demons	demon	NOUN
ajis02-327	33	26	,	,	PUNCT
ajis02-327	33	27	reddi	reddi	NOUN
ajis02-327	33	28	and	and	CCONJ
ajis02-327	33	29	row	row	NOUN
ajis02-327	33	30	1993	1993	NUM
ajis02-327	33	31	)	)	PUNCT
ajis02-327	33	32	.	.	PUNCT
ajis02-327	34	1	electronic	electronic	ADJ
ajis02-327	34	2	market	market	NOUN
ajis02-327	34	3	characteristics	characteristic	NOUN
ajis02-327	34	4	to	to	PART
ajis02-327	34	5	understand	understand	VERB
ajis02-327	34	6	the	the	DET
ajis02-327	34	7	cost	cost	NOUN
ajis02-327	34	8	factors	factor	NOUN
ajis02-327	34	9	that	that	PRON
ajis02-327	34	10	buyers	buyer	NOUN
ajis02-327	34	11	consider	consider	VERB
ajis02-327	34	12	when	when	SCONJ
ajis02-327	34	13	participating	participate	VERB
ajis02-327	34	14	in	in	ADP
ajis02-327	34	15	electronic	electronic	ADJ
ajis02-327	34	16	marketplaces	marketplace	NOUN
ajis02-327	34	17	,	,	PUNCT
ajis02-327	34	18	it	it	PRON
ajis02-327	34	19	is	be	AUX
ajis02-327	34	20	necessary	necessary	ADJ
ajis02-327	34	21	to	to	PART
ajis02-327	34	22	consider	consider	VERB
ajis02-327	34	23	electronic	electronic	ADJ
ajis02-327	34	24	market	market	NOUN
ajis02-327	34	25	characteristics	characteristic	NOUN
ajis02-327	34	26	.	.	PUNCT
ajis02-327	35	1	the	the	DET
ajis02-327	35	2	above	above	ADV
ajis02-327	35	3	mentioned	mention	VERB
ajis02-327	35	4	theories	theory	NOUN
ajis02-327	35	5	(	(	PUNCT
ajis02-327	35	6	emh	emh	PROPN
ajis02-327	35	7	and	and	CCONJ
ajis02-327	35	8	mmh	mmh	PROPN
ajis02-327	35	9	)	)	PUNCT
ajis02-327	35	10	attempt	attempt	NOUN
ajis02-327	35	11	to	to	PART
ajis02-327	35	12	address	address	VERB
ajis02-327	35	13	the	the	DET
ajis02-327	35	14	business	business	NOUN
ajis02-327	35	15	issues	issue	NOUN
ajis02-327	35	16	organisations	organisation	NOUN
ajis02-327	35	17	face	face	VERB
ajis02-327	35	18	when	when	SCONJ
ajis02-327	35	19	trying	try	VERB
ajis02-327	35	20	to	to	PART
ajis02-327	35	21	develop	develop	VERB
ajis02-327	35	22	electronic	electronic	ADJ
ajis02-327	35	23	links	link	NOUN
ajis02-327	35	24	to	to	ADP
ajis02-327	35	25	buyers	buyer	NOUN
ajis02-327	35	26	and	and	CCONJ
ajis02-327	35	27	suppliers	supplier	NOUN
ajis02-327	35	28	.	.	PUNCT
ajis02-327	36	1	along	along	ADP
ajis02-327	36	2	with	with	ADP
ajis02-327	36	3	the	the	DET
ajis02-327	36	4	logistical	logistical	ADJ
ajis02-327	36	5	and	and	CCONJ
ajis02-327	36	6	strategic	strategic	ADJ
ajis02-327	36	7	issues	issue	NOUN
ajis02-327	36	8	,	,	PUNCT
ajis02-327	36	9	it	it	PRON
ajis02-327	36	10	is	be	AUX
ajis02-327	36	11	important	important	ADJ
ajis02-327	36	12	to	to	PART
ajis02-327	36	13	consider	consider	VERB
ajis02-327	36	14	market	market	NOUN
ajis02-327	36	15	conditions	condition	NOUN
ajis02-327	36	16	,	,	PUNCT
ajis02-327	36	17	specifically	specifically	ADV
ajis02-327	36	18	whether	whether	SCONJ
ajis02-327	36	19	the	the	DET
ajis02-327	36	20	organisation	organisation	NOUN
ajis02-327	36	21	is	be	AUX
ajis02-327	36	22	participating	participate	VERB
ajis02-327	36	23	in	in	ADP
ajis02-327	36	24	a	a	DET
ajis02-327	36	25	commodity	commodity	NOUN
ajis02-327	36	26	or	or	CCONJ
ajis02-327	36	27	differentiated	differentiated	ADJ
ajis02-327	36	28	market	market	NOUN
ajis02-327	36	29	conditions	condition	NOUN
ajis02-327	36	30	.	.	PUNCT
ajis02-327	37	1	bakos	bakos	NOUN
ajis02-327	37	2	(	(	PUNCT
ajis02-327	37	3	1991b	1991b	NUM
ajis02-327	37	4	)	)	PUNCT
ajis02-327	37	5	examined	examine	VERB
ajis02-327	37	6	how	how	SCONJ
ajis02-327	37	7	buyers	buyer	NOUN
ajis02-327	37	8	behave	behave	VERB
ajis02-327	37	9	when	when	SCONJ
ajis02-327	37	10	they	they	PRON
ajis02-327	37	11	search	search	VERB
ajis02-327	37	12	for	for	ADP
ajis02-327	37	13	sellers	seller	NOUN
ajis02-327	37	14	in	in	ADP
ajis02-327	37	15	commodity	commodity	NOUN
ajis02-327	37	16	and	and	CCONJ
ajis02-327	37	17	differentiated	differentiated	ADJ
ajis02-327	37	18	markets	market	NOUN
ajis02-327	37	19	.	.	PUNCT
ajis02-327	38	1	commodity	commodity	NOUN
ajis02-327	38	2	markets	market	NOUN
ajis02-327	38	3	are	be	AUX
ajis02-327	38	4	characterised	characterise	VERB
ajis02-327	38	5	by	by	ADP
ajis02-327	38	6	identical	identical	ADJ
ajis02-327	38	7	products	product	NOUN
ajis02-327	38	8	offered	offer	VERB
ajis02-327	38	9	by	by	ADP
ajis02-327	38	10	like	like	ADP
ajis02-327	38	11	sellers	seller	NOUN
ajis02-327	38	12	,	,	PUNCT
ajis02-327	38	13	whereas	whereas	SCONJ
ajis02-327	38	14	differentiated	differentiated	ADJ
ajis02-327	38	15	markets	market	NOUN
ajis02-327	38	16	are	be	AUX
ajis02-327	38	17	more	more	ADV
ajis02-327	38	18	common	common	ADJ
ajis02-327	38	19	because	because	SCONJ
ajis02-327	38	20	they	they	PRON
ajis02-327	38	21	offer	offer	VERB
ajis02-327	38	22	a	a	DET
ajis02-327	38	23	variety	variety	NOUN
ajis02-327	38	24	of	of	ADP
ajis02-327	38	25	different	different	ADJ
ajis02-327	38	26	product	product	NOUN
ajis02-327	38	27	offerings	offering	NOUN
ajis02-327	38	28	to	to	PART
ajis02-327	38	29	meet	meet	VERB
ajis02-327	38	30	the	the	DET
ajis02-327	38	31	wide	wide	ADJ
ajis02-327	38	32	range	range	NOUN
ajis02-327	38	33	of	of	ADP
ajis02-327	38	34	buyer	buyer	NOUN
ajis02-327	38	35	needs	need	NOUN
ajis02-327	38	36	and	and	CCONJ
ajis02-327	38	37	preferences	preference	NOUN
ajis02-327	38	38	.	.	PUNCT
ajis02-327	39	1	in	in	ADP
ajis02-327	39	2	a	a	DET
ajis02-327	39	3	commodity	commodity	NOUN
ajis02-327	39	4	market	market	NOUN
ajis02-327	39	5	,	,	PUNCT
ajis02-327	39	6	buyers	buyer	NOUN
ajis02-327	39	7	will	will	AUX
ajis02-327	39	8	typically	typically	ADV
ajis02-327	39	9	choose	choose	VERB
ajis02-327	39	10	the	the	DET
ajis02-327	39	11	product	product	NOUN
ajis02-327	39	12	offered	offer	VERB
ajis02-327	39	13	at	at	ADP
ajis02-327	39	14	the	the	DET
ajis02-327	39	15	lowest	low	ADJ
ajis02-327	39	16	cost	cost	NOUN
ajis02-327	39	17	(	(	PUNCT
ajis02-327	39	18	including	include	VERB
ajis02-327	39	19	search	search	NOUN
ajis02-327	39	20	,	,	PUNCT
ajis02-327	39	21	transportation	transportation	NOUN
ajis02-327	39	22	and	and	CCONJ
ajis02-327	39	23	other	other	ADJ
ajis02-327	39	24	related	related	ADJ
ajis02-327	39	25	costs	cost	NOUN
ajis02-327	39	26	)	)	PUNCT
ajis02-327	39	27	.	.	PUNCT
ajis02-327	40	1	commodity	commodity	NOUN
ajis02-327	40	2	markets	market	NOUN
ajis02-327	40	3	reveal	reveal	VERB
ajis02-327	40	4	the	the	DET
ajis02-327	40	5	following	follow	VERB
ajis02-327	40	6	characteristics	characteristic	NOUN
ajis02-327	40	7	(	(	PUNCT
ajis02-327	40	8	bakos	bakos	NOUN
ajis02-327	40	9	1991b	1991b	NUM
ajis02-327	40	10	,	,	PUNCT
ajis02-327	40	11	298	298	NUM
ajis02-327	40	12	-	-	SYM
ajis02-327	40	13	299	299	NUM
ajis02-327	40	14	):	):	PUNCT
ajis02-327	40	15	•	•	NUM
ajis02-327	40	16	seller	seller	NOUN
ajis02-327	40	17	prices	price	NOUN
ajis02-327	40	18	decrease	decrease	VERB
ajis02-327	40	19	as	as	ADP
ajis02-327	40	20	the	the	DET
ajis02-327	40	21	cost	cost	NOUN
ajis02-327	40	22	of	of	ADP
ajis02-327	40	23	search	search	NOUN
ajis02-327	40	24	decreases	decrease	NOUN
ajis02-327	40	25	•	•	ADP
ajis02-327	40	26	the	the	DET
ajis02-327	40	27	amount	amount	NOUN
ajis02-327	40	28	of	of	ADP
ajis02-327	40	29	search	search	NOUN
ajis02-327	40	30	increases	increase	NOUN
ajis02-327	40	31	as	as	SCONJ
ajis02-327	40	32	the	the	DET
ajis02-327	40	33	cost	cost	NOUN
ajis02-327	40	34	of	of	ADP
ajis02-327	40	35	search	search	NOUN
ajis02-327	40	36	decreases	decrease	NOUN
ajis02-327	40	37	•	•	ADP
ajis02-327	40	38	the	the	DET
ajis02-327	40	39	amount	amount	NOUN
ajis02-327	40	40	of	of	ADP
ajis02-327	40	41	search	search	NOUN
ajis02-327	40	42	increases	increase	NOUN
ajis02-327	40	43	as	as	SCONJ
ajis02-327	40	44	seller	seller	NOUN
ajis02-327	40	45	prices	price	NOUN
ajis02-327	40	46	become	become	VERB
ajis02-327	40	47	more	more	ADV
ajis02-327	40	48	dispersed	disperse	VERB
ajis02-327	40	49	•	•	NUM
ajis02-327	40	50	ceteris	ceteris	NOUN
ajis02-327	40	51	parabus	parabus	NOUN
ajis02-327	40	52	,	,	PUNCT
ajis02-327	40	53	as	as	SCONJ
ajis02-327	40	54	seller	seller	NOUN
ajis02-327	40	55	prices	price	NOUN
ajis02-327	40	56	become	become	VERB
ajis02-327	40	57	more	more	ADV
ajis02-327	40	58	dispersed	disperse	VERB
ajis02-327	40	59	,	,	PUNCT
ajis02-327	40	60	buyers	buyer	NOUN
ajis02-327	40	61	'	'	PART
ajis02-327	40	62	total	total	ADJ
ajis02-327	40	63	costs	cost	NOUN
ajis02-327	40	64	decrease	decrease	VERB
ajis02-327	40	65	with	with	ADP
ajis02-327	40	66	the	the	DET
ajis02-327	40	67	introduction	introduction	NOUN
ajis02-327	40	68	of	of	ADP
ajis02-327	40	69	technology	technology	NOUN
ajis02-327	40	70	into	into	ADP
ajis02-327	40	71	a	a	DET
ajis02-327	40	72	commodity	commodity	NOUN
ajis02-327	40	73	market	market	NOUN
ajis02-327	40	74	and	and	CCONJ
ajis02-327	40	75	the	the	DET
ajis02-327	40	76	creation	creation	NOUN
ajis02-327	40	77	of	of	ADP
ajis02-327	40	78	an	an	DET
ajis02-327	40	79	electronic	electronic	ADJ
ajis02-327	40	80	marketplace	marketplace	NOUN
ajis02-327	40	81	,	,	PUNCT
ajis02-327	40	82	the	the	DET
ajis02-327	40	83	ability	ability	NOUN
ajis02-327	40	84	of	of	ADP
ajis02-327	40	85	buyers	buyer	NOUN
ajis02-327	40	86	to	to	PART
ajis02-327	40	87	search	search	NOUN
ajis02-327	40	88	is	be	AUX
ajis02-327	40	89	increased	increase	VERB
ajis02-327	40	90	.	.	PUNCT
ajis02-327	41	1	thus	thus	ADV
ajis02-327	41	2	,	,	PUNCT
ajis02-327	41	3	the	the	DET
ajis02-327	41	4	distribution	distribution	NOUN
ajis02-327	41	5	of	of	ADP
ajis02-327	41	6	price	price	NOUN
ajis02-327	41	7	and	and	CCONJ
ajis02-327	41	8	product	product	NOUN
ajis02-327	41	9	information	information	NOUN
ajis02-327	41	10	can	can	AUX
ajis02-327	41	11	become	become	VERB
ajis02-327	41	12	more	more	ADV
ajis02-327	41	13	efficient	efficient	ADJ
ajis02-327	41	14	and	and	CCONJ
ajis02-327	41	15	effective	effective	ADJ
ajis02-327	41	16	.	.	PUNCT
ajis02-327	42	1	in	in	ADP
ajis02-327	42	2	differentiated	differentiated	ADJ
ajis02-327	42	3	markets	market	NOUN
ajis02-327	42	4	buyers	buyer	NOUN
ajis02-327	42	5	consider	consider	VERB
ajis02-327	42	6	the	the	DET
ajis02-327	42	7	various	various	ADJ
ajis02-327	42	8	price	price	NOUN
ajis02-327	42	9	and	and	CCONJ
ajis02-327	42	10	product	product	NOUN
ajis02-327	42	11	offerings	offering	NOUN
ajis02-327	42	12	available	available	ADJ
ajis02-327	42	13	,	,	PUNCT
ajis02-327	42	14	and	and	CCONJ
ajis02-327	42	15	determine	determine	VERB
ajis02-327	42	16	the	the	DET
ajis02-327	42	17	product	product	NOUN
ajis02-327	42	18	's	's	PART
ajis02-327	42	19	ability	ability	NOUN
ajis02-327	42	20	to	to	PART
ajis02-327	42	21	adequately	adequately	ADV
ajis02-327	42	22	match	match	VERB
ajis02-327	42	23	their	their	PRON
ajis02-327	42	24	needs	need	NOUN
ajis02-327	42	25	.	.	PUNCT
ajis02-327	43	1	a	a	DET
ajis02-327	43	2	number	number	NOUN
ajis02-327	43	3	of	of	ADP
ajis02-327	43	4	differences	difference	NOUN
ajis02-327	43	5	exist	exist	VERB
ajis02-327	43	6	separating	separate	VERB
ajis02-327	43	7	a	a	DET
ajis02-327	43	8	differentiated	differentiated	ADJ
ajis02-327	43	9	market	market	NOUN
ajis02-327	43	10	from	from	ADP
ajis02-327	43	11	a	a	DET
ajis02-327	43	12	commodity	commodity	NOUN
ajis02-327	43	13	market	market	NOUN
ajis02-327	43	14	,	,	PUNCT
ajis02-327	43	15	including	include	VERB
ajis02-327	43	16	(	(	PUNCT
ajis02-327	43	17	bakos	bakos	NOUN
ajis02-327	43	18	1991b	1991b	NUM
ajis02-327	43	19	,	,	PUNCT
ajis02-327	43	20	300	300	NUM
ajis02-327	43	21	-	-	NUM
ajis02-327	43	22	301	301	NUM
ajis02-327	43	23	):	):	PUNCT
ajis02-327	43	24	•	•	NOUN
ajis02-327	43	25	"	"	PUNCT
ajis02-327	43	26	...	...	PUNCT
ajis02-327	43	27	consumer	consumer	NOUN
ajis02-327	43	28	preferences	preference	NOUN
ajis02-327	43	29	determine	determine	VERB
ajis02-327	43	30	the	the	DET
ajis02-327	43	31	location	location	NOUN
ajis02-327	43	32	of	of	ADP
ajis02-327	43	33	their	their	PRON
ajis02-327	43	34	ideal	ideal	ADJ
ajis02-327	43	35	product	product	NOUN
ajis02-327	43	36	or	or	CCONJ
ajis02-327	43	37	product	product	NOUN
ajis02-327	43	38	mix	mix	NOUN
ajis02-327	43	39	"	"	PUNCT
ajis02-327	43	40	•	•	NOUN
ajis02-327	43	41	"	"	PUNCT
ajis02-327	43	42	...	...	PUNCT
ajis02-327	43	43	the	the	DET
ajis02-327	43	44	heterogeneity	heterogeneity	NOUN
ajis02-327	43	45	of	of	ADP
ajis02-327	43	46	consumers	consumer	NOUN
ajis02-327	43	47	and	and	CCONJ
ajis02-327	43	48	product	product	NOUN
ajis02-327	43	49	offerings	offering	NOUN
ajis02-327	43	50	is	be	AUX
ajis02-327	43	51	central	central	ADJ
ajis02-327	43	52	to	to	ADP
ajis02-327	43	53	the	the	DET
ajis02-327	43	54	ability	ability	NOUN
ajis02-327	43	55	of	of	ADP
ajis02-327	43	56	sellers	seller	NOUN
ajis02-327	43	57	to	to	PART
ajis02-327	43	58	exploit	exploit	VERB
ajis02-327	43	59	buyer	buyer	NOUN
ajis02-327	43	60	search	search	NOUN
ajis02-327	43	61	costs	cost	NOUN
ajis02-327	43	62	and	and	CCONJ
ajis02-327	43	63	thus	thus	ADV
ajis02-327	43	64	extract	extract	VERB
ajis02-327	43	65	monopolistic	monopolistic	ADJ
ajis02-327	43	66	rents	rent	NOUN
ajis02-327	43	67	"	"	PUNCT
ajis02-327	43	68	•	•	NUM
ajis02-327	43	69	"	"	PUNCT
ajis02-327	43	70	...	...	PUNCT
ajis02-327	43	71	electronic	electronic	ADJ
ajis02-327	43	72	market	market	NOUN
ajis02-327	43	73	systems	system	NOUN
ajis02-327	43	74	providing	provide	VERB
ajis02-327	43	75	product	product	NOUN
ajis02-327	43	76	and	and	CCONJ
ajis02-327	43	77	price	price	NOUN
ajis02-327	43	78	information	information	NOUN
ajis02-327	43	79	may	may	AUX
ajis02-327	43	80	generate	generate	VERB
ajis02-327	43	81	substantial	substantial	ADJ
ajis02-327	43	82	allocational	allocational	ADJ
ajis02-327	43	83	efficiencies	efficiency	NOUN
ajis02-327	43	84	by	by	ADP
ajis02-327	43	85	enabling	enable	VERB
ajis02-327	43	86	customers	customer	NOUN
ajis02-327	43	87	to	to	PART
ajis02-327	43	88	locate	locate	VERB
ajis02-327	43	89	suppliers	supplier	NOUN
ajis02-327	43	90	that	that	PRON
ajis02-327	43	91	better	well	ADV
ajis02-327	43	92	match	match	VERB
ajis02-327	43	93	their	their	PRON
ajis02-327	43	94	needs	need	NOUN
ajis02-327	43	95	"	"	PUNCT
ajis02-327	43	96	1	1	NUM
ajis02-327	43	97	in	in	ADP
ajis02-327	43	98	a	a	DET
ajis02-327	43	99	biased	biased	ADJ
ajis02-327	43	100	market	market	NOUN
ajis02-327	43	101	the	the	DET
ajis02-327	43	102	information	information	NOUN
ajis02-327	43	103	in	in	ADP
ajis02-327	43	104	the	the	DET
ajis02-327	43	105	system	system	NOUN
ajis02-327	43	106	and/or	and/or	CCONJ
ajis02-327	43	107	the	the	DET
ajis02-327	43	108	system	system	NOUN
ajis02-327	43	109	structure	structure	NOUN
ajis02-327	43	110	favors	favor	VERB
ajis02-327	43	111	a	a	DET
ajis02-327	43	112	particular	particular	ADJ
ajis02-327	43	113	organization	organization	NOUN
ajis02-327	43	114	or	or	CCONJ
ajis02-327	43	115	person	person	NOUN
ajis02-327	43	116	,	,	PUNCT
ajis02-327	43	117	whereas	whereas	SCONJ
ajis02-327	43	118	in	in	ADP
ajis02-327	43	119	an	an	DET
ajis02-327	43	120	unbiased	unbiased	ADJ
ajis02-327	43	121	system	system	NOUN
ajis02-327	43	122	die	die	VERB
ajis02-327	43	123	information	information	NOUN
ajis02-327	43	124	and	and	CCONJ
ajis02-327	43	125	system	system	NOUN
ajis02-327	43	126	structure	structure	NOUN
ajis02-327	43	127	are	be	AUX
ajis02-327	43	128	unbiased	unbiased	ADJ
ajis02-327	43	129	towards	towards	ADP
ajis02-327	43	130	the	the	DET
ajis02-327	43	131	market	market	NOUN
ajis02-327	43	132	participants	participant	NOUN
ajis02-327	43	133	.	.	PUNCT
ajis02-327	44	1	a	a	DET
ajis02-327	44	2	personalized	personalized	ADJ
ajis02-327	44	3	electronic	electronic	ADJ
ajis02-327	44	4	market	market	NOUN
ajis02-327	44	5	provides	provide	VERB
ajis02-327	44	6	customized	customized	ADJ
ajis02-327	44	7	information	information	NOUN
ajis02-327	44	8	tailored	tailor	VERB
ajis02-327	44	9	to	to	ADP
ajis02-327	44	10	the	the	DET
ajis02-327	44	11	system	system	NOUN
ajis02-327	44	12	user	user	NOUN
ajis02-327	44	13	's	's	PART
ajis02-327	44	14	needs	need	NOUN
ajis02-327	44	15	.	.	PUNCT
ajis02-327	45	1	21	21	NUM
ajis02-327	45	2	ajis	ajis	NOUN
ajis02-327	45	3	special	special	PROPN
ajis02-327	45	4	edition	edition	NOUN
ajis02-327	45	5	electronic	electronic	PROPN
ajis02-327	45	6	commerce	commerce	PROPN
ajis02-327	45	7	november	november	PROPN
ajis02-327	45	8	1998	1998	NUM
ajis02-327	45	9	a	a	DET
ajis02-327	45	10	buyer	buyer	NOUN
ajis02-327	45	11	's	's	PART
ajis02-327	45	12	search	search	NOUN
ajis02-327	45	13	process	process	NOUN
ajis02-327	45	14	is	be	AUX
ajis02-327	45	15	very	very	ADV
ajis02-327	45	16	complex	complex	ADJ
ajis02-327	45	17	with	with	ADP
ajis02-327	45	18	product	product	NOUN
ajis02-327	45	19	offering	offering	NOUN
ajis02-327	45	20	and	and	CCONJ
ajis02-327	45	21	search	search	NOUN
ajis02-327	45	22	cost	cost	NOUN
ajis02-327	45	23	factors	factor	NOUN
ajis02-327	45	24	interacting	interact	VERB
ajis02-327	45	25	differently	differently	ADV
ajis02-327	45	26	.	.	PUNCT
ajis02-327	46	1	however	however	ADV
ajis02-327	46	2	,	,	PUNCT
ajis02-327	46	3	with	with	ADP
ajis02-327	46	4	the	the	DET
ajis02-327	46	5	introduction	introduction	NOUN
ajis02-327	46	6	of	of	ADP
ajis02-327	46	7	information	information	NOUN
ajis02-327	46	8	systems	system	NOUN
ajis02-327	46	9	into	into	ADP
ajis02-327	46	10	a	a	DET
ajis02-327	46	11	differentiated	differentiated	ADJ
ajis02-327	46	12	market	market	NOUN
ajis02-327	46	13	to	to	PART
ajis02-327	46	14	create	create	VERB
ajis02-327	46	15	an	an	DET
ajis02-327	46	16	electronic	electronic	ADJ
ajis02-327	46	17	marketplace	marketplace	NOUN
ajis02-327	46	18	,	,	PUNCT
ajis02-327	46	19	it	it	PRON
ajis02-327	46	20	is	be	AUX
ajis02-327	46	21	suggested	suggest	VERB
ajis02-327	46	22	substantial	substantial	ADJ
ajis02-327	46	23	impacts	impact	NOUN
ajis02-327	46	24	and	and	CCONJ
ajis02-327	46	25	potential	potential	ADJ
ajis02-327	46	26	changes	change	NOUN
ajis02-327	46	27	occur	occur	VERB
ajis02-327	46	28	to	to	PART
ajis02-327	46	29	organisational	organisational	ADJ
ajis02-327	46	30	and	and	CCONJ
ajis02-327	46	31	market	market	NOUN
ajis02-327	46	32	structures	structure	NOUN
ajis02-327	46	33	.	.	PUNCT
ajis02-327	47	1	the	the	DET
ajis02-327	47	2	introduction	introduction	NOUN
ajis02-327	47	3	of	of	ADP
ajis02-327	47	4	agency	agency	NOUN
ajis02-327	47	5	theory	theory	NOUN
ajis02-327	47	6	(	(	PUNCT
ajis02-327	47	7	i.e.	i.e.	X
ajis02-327	47	8	the	the	DET
ajis02-327	47	9	recognition	recognition	NOUN
ajis02-327	47	10	that	that	SCONJ
ajis02-327	47	11	the	the	DET
ajis02-327	47	12	operation	operation	NOUN
ajis02-327	47	13	of	of	ADP
ajis02-327	47	14	a	a	DET
ajis02-327	47	15	market	market	NOUN
ajis02-327	47	16	is	be	AUX
ajis02-327	47	17	not	not	PART
ajis02-327	47	18	costless	costless	ADJ
ajis02-327	47	19	,	,	PUNCT
ajis02-327	47	20	as	as	SCONJ
ajis02-327	47	21	is	be	AUX
ajis02-327	47	22	assumed	assume	VERB
ajis02-327	47	23	in	in	ADP
ajis02-327	47	24	classic	classic	ADJ
ajis02-327	47	25	economic	economic	ADJ
ajis02-327	47	26	literature	literature	NOUN
ajis02-327	47	27	,	,	PUNCT
ajis02-327	47	28	and	and	CCONJ
ajis02-327	47	29	consequently	consequently	ADV
ajis02-327	47	30	that	that	SCONJ
ajis02-327	47	31	a	a	DET
ajis02-327	47	32	firm	firm	NOUN
ajis02-327	47	33	can	can	AUX
ajis02-327	47	34	be	be	AUX
ajis02-327	47	35	a	a	DET
ajis02-327	47	36	substitute	substitute	NOUN
ajis02-327	47	37	for	for	ADP
ajis02-327	47	38	the	the	DET
ajis02-327	47	39	market	market	NOUN
ajis02-327	47	40	mechanism	mechanism	NOUN
ajis02-327	47	41	created	create	VERB
ajis02-327	47	42	to	to	PART
ajis02-327	47	43	reduce	reduce	VERB
ajis02-327	47	44	the	the	DET
ajis02-327	47	45	costs	cost	NOUN
ajis02-327	47	46	of	of	ADP
ajis02-327	47	47	transactions	transaction	NOUN
ajis02-327	47	48	)	)	PUNCT
ajis02-327	47	49	shows	show	VERB
ajis02-327	47	50	that	that	SCONJ
ajis02-327	47	51	a	a	DET
ajis02-327	47	52	large	large	ADJ
ajis02-327	47	53	amount	amount	NOUN
ajis02-327	47	54	of	of	ADP
ajis02-327	47	55	a	a	DET
ajis02-327	47	56	firm	firm	NOUN
ajis02-327	47	57	's	's	PART
ajis02-327	47	58	costs	cost	NOUN
ajis02-327	47	59	are	be	AUX
ajis02-327	47	60	related	relate	VERB
ajis02-327	47	61	to	to	ADP
ajis02-327	47	62	the	the	DET
ajis02-327	47	63	acquisition	acquisition	NOUN
ajis02-327	47	64	and	and	CCONJ
ajis02-327	47	65	processing	processing	NOUN
ajis02-327	47	66	of	of	ADP
ajis02-327	47	67	information	information	NOUN
ajis02-327	47	68	and	and	CCONJ
ajis02-327	47	69	can	can	AUX
ajis02-327	47	70	therefore	therefore	ADV
ajis02-327	47	71	be	be	AUX
ajis02-327	47	72	reduced	reduce	VERB
ajis02-327	47	73	by	by	ADP
ajis02-327	47	74	application	application	NOUN
ajis02-327	47	75	of	of	ADP
ajis02-327	47	76	information	information	NOUN
ajis02-327	47	77	technologies	technology	NOUN
ajis02-327	47	78	(	(	PUNCT
ajis02-327	47	79	gurbaxani	gurbaxani	PROPN
ajis02-327	47	80	and	and	CCONJ
ajis02-327	47	81	whang	whang	PROPN
ajis02-327	47	82	1991	1991	NUM
ajis02-327	47	83	,	,	PUNCT
ajis02-327	47	84	71	71	NUM
ajis02-327	47	85	)	)	PUNCT
ajis02-327	47	86	.	.	PUNCT
ajis02-327	48	1	thus	thus	ADV
ajis02-327	48	2	,	,	PUNCT
ajis02-327	48	3	with	with	ADP
ajis02-327	48	4	the	the	DET
ajis02-327	48	5	introduction	introduction	NOUN
ajis02-327	48	6	of	of	ADP
ajis02-327	48	7	organisational	organisational	ADJ
ajis02-327	48	8	information	information	NOUN
ajis02-327	48	9	systems	system	NOUN
ajis02-327	48	10	,	,	PUNCT
ajis02-327	48	11	firms	firm	NOUN
ajis02-327	48	12	not	not	PART
ajis02-327	48	13	only	only	ADV
ajis02-327	48	14	have	have	VERB
ajis02-327	48	15	the	the	DET
ajis02-327	48	16	potential	potential	NOUN
ajis02-327	48	17	to	to	PART
ajis02-327	48	18	reduce	reduce	VERB
ajis02-327	48	19	internal	internal	ADJ
ajis02-327	48	20	costs	cost	NOUN
ajis02-327	48	21	,	,	PUNCT
ajis02-327	48	22	but	but	CCONJ
ajis02-327	48	23	can	can	AUX
ajis02-327	48	24	also	also	ADV
ajis02-327	48	25	,	,	PUNCT
ajis02-327	48	26	with	with	ADP
ajis02-327	48	27	the	the	DET
ajis02-327	48	28	development	development	NOUN
ajis02-327	48	29	of	of	ADP
ajis02-327	48	30	customer	customer	NOUN
ajis02-327	48	31	based	base	VERB
ajis02-327	48	32	inter	inter	ADJ
ajis02-327	48	33	-	-	ADJ
ajis02-327	48	34	organisational	organisational	ADJ
ajis02-327	48	35	information	information	NOUN
ajis02-327	48	36	systems	system	NOUN
ajis02-327	48	37	,	,	PUNCT
ajis02-327	48	38	improve	improve	VERB
ajis02-327	48	39	their	their	PRON
ajis02-327	48	40	ability	ability	NOUN
ajis02-327	48	41	to	to	PART
ajis02-327	48	42	access	access	VERB
ajis02-327	48	43	a	a	DET
ajis02-327	48	44	wider	wide	ADJ
ajis02-327	48	45	range	range	NOUN
ajis02-327	48	46	of	of	ADP
ajis02-327	48	47	buyers	buyer	NOUN
ajis02-327	48	48	due	due	ADJ
ajis02-327	48	49	to	to	ADP
ajis02-327	48	50	reduced	reduce	VERB
ajis02-327	48	51	buyer	buyer	NOUN
ajis02-327	48	52	search	search	NOUN
ajis02-327	48	53	costs	cost	NOUN
ajis02-327	48	54	.	.	PUNCT
ajis02-327	49	1	as	as	SCONJ
ajis02-327	49	2	discussed	discuss	VERB
ajis02-327	49	3	previously	previously	ADV
ajis02-327	49	4	,	,	PUNCT
ajis02-327	49	5	whether	whether	SCONJ
ajis02-327	49	6	the	the	DET
ajis02-327	49	7	seller	seller	NOUN
ajis02-327	49	8	is	be	AUX
ajis02-327	49	9	participating	participate	VERB
ajis02-327	49	10	in	in	ADP
ajis02-327	49	11	a	a	DET
ajis02-327	49	12	differentiated	differentiate	VERB
ajis02-327	49	13	or	or	CCONJ
ajis02-327	49	14	commodity	commodity	NOUN
ajis02-327	49	15	market	market	NOUN
ajis02-327	49	16	influences	influence	VERB
ajis02-327	49	17	the	the	DET
ajis02-327	49	18	manner	manner	NOUN
ajis02-327	49	19	through	through	ADP
ajis02-327	49	20	which	which	PRON
ajis02-327	49	21	buyers	buyer	NOUN
ajis02-327	49	22	search	search	VERB
ajis02-327	49	23	for	for	ADP
ajis02-327	49	24	a	a	DET
ajis02-327	49	25	product	product	NOUN
ajis02-327	49	26	or	or	CCONJ
ajis02-327	49	27	product	product	NOUN
ajis02-327	49	28	mix	mix	NOUN
ajis02-327	49	29	.	.	PUNCT
ajis02-327	50	1	the	the	DET
ajis02-327	50	2	role	role	NOUN
ajis02-327	50	3	of	of	ADP
ajis02-327	50	4	an	an	DET
ajis02-327	50	5	information	information	NOUN
ajis02-327	50	6	system	system	NOUN
ajis02-327	50	7	to	to	PART
ajis02-327	50	8	distribute	distribute	VERB
ajis02-327	50	9	product	product	NOUN
ajis02-327	50	10	/	/	SYM
ajis02-327	50	11	service	service	NOUN
ajis02-327	50	12	and	and	CCONJ
ajis02-327	50	13	price	price	NOUN
ajis02-327	50	14	information	information	NOUN
ajis02-327	50	15	through	through	ADP
ajis02-327	50	16	an	an	DET
ajis02-327	50	17	electronic	electronic	ADJ
ajis02-327	50	18	market	market	NOUN
ajis02-327	50	19	can	can	AUX
ajis02-327	50	20	serve	serve	VERB
ajis02-327	50	21	to	to	PART
ajis02-327	50	22	improve	improve	VERB
ajis02-327	50	23	allocational	allocational	ADJ
ajis02-327	50	24	efficiencies	efficiency	NOUN
ajis02-327	50	25	and	and	CCONJ
ajis02-327	50	26	decrease	decrease	VERB
ajis02-327	50	27	overall	overall	ADJ
ajis02-327	50	28	cost	cost	NOUN
ajis02-327	50	29	.	.	PUNCT
ajis02-327	51	1	allocational	allocational	ADJ
ajis02-327	51	2	efficiencies	efficiency	NOUN
ajis02-327	51	3	and	and	CCONJ
ajis02-327	51	4	cost	cost	NOUN
ajis02-327	51	5	reductions	reduction	NOUN
ajis02-327	51	6	are	be	AUX
ajis02-327	51	7	attributed	attribute	VERB
ajis02-327	51	8	to	to	ADP
ajis02-327	51	9	three	three	NUM
ajis02-327	51	10	distinct	distinct	ADJ
ajis02-327	51	11	affects	affect	VERB
ajis02-327	51	12	information	information	NOUN
ajis02-327	51	13	technology	technology	NOUN
ajis02-327	51	14	has	have	VERB
ajis02-327	51	15	on	on	ADP
ajis02-327	51	16	organisational	organisational	ADJ
ajis02-327	51	17	and	and	CCONJ
ajis02-327	51	18	market	market	NOUN
ajis02-327	51	19	structure	structure	NOUN
ajis02-327	51	20	(	(	PUNCT
ajis02-327	51	21	malone	malone	PROPN
ajis02-327	51	22	,	,	PUNCT
ajis02-327	51	23	yates	yates	PROPN
ajis02-327	51	24	and	and	CCONJ
ajis02-327	51	25	benjamin	benjamin	PROPN
ajis02-327	51	26	1987,488	1987,488	PROPN
ajis02-327	51	27	-	-	SYM
ajis02-327	51	28	489	489	NUM
ajis02-327	51	29	):	):	PUNCT
ajis02-327	51	30	1	1	NUM
ajis02-327	51	31	.	.	X
ajis02-327	51	32	electronic	electronic	ADJ
ajis02-327	51	33	communication	communication	NOUN
ajis02-327	51	34	effect	effect	NOUN
ajis02-327	51	35	information	information	NOUN
ajis02-327	51	36	technology	technology	NOUN
ajis02-327	51	37	can	can	AUX
ajis02-327	51	38	allow	allow	VERB
ajis02-327	51	39	more	more	ADJ
ajis02-327	51	40	information	information	NOUN
ajis02-327	51	41	to	to	PART
ajis02-327	51	42	be	be	AUX
ajis02-327	51	43	communicated	communicate	VERB
ajis02-327	51	44	in	in	ADP
ajis02-327	51	45	the	the	DET
ajis02-327	51	46	same	same	ADJ
ajis02-327	51	47	amount	amount	NOUN
ajis02-327	51	48	of	of	ADP
ajis02-327	51	49	time	time	NOUN
ajis02-327	51	50	while	while	SCONJ
ajis02-327	51	51	decreasing	decrease	VERB
ajis02-327	51	52	the	the	DET
ajis02-327	51	53	costs	cost	NOUN
ajis02-327	51	54	of	of	ADP
ajis02-327	51	55	this	this	DET
ajis02-327	51	56	communication	communication	NOUN
ajis02-327	51	57	dramatically	dramatically	ADV
ajis02-327	51	58	.	.	PUNCT
ajis02-327	52	1	2	2	X
ajis02-327	52	2	.	.	X
ajis02-327	52	3	electronic	electronic	ADJ
ajis02-327	52	4	brokerage	brokerage	NOUN
ajis02-327	52	5	effect	effect	NOUN
ajis02-327	52	6	—	—	PUNCT
ajis02-327	52	7	electronic	electronic	ADJ
ajis02-327	52	8	markets	market	NOUN
ajis02-327	52	9	,	,	PUNCT
ajis02-327	52	10	by	by	ADP
ajis02-327	52	11	electronically	electronically	ADV
ajis02-327	52	12	connecting	connect	VERB
ajis02-327	52	13	many	many	ADJ
ajis02-327	52	14	different	different	ADJ
ajis02-327	52	15	buyers	buyer	NOUN
ajis02-327	52	16	and	and	CCONJ
ajis02-327	52	17	suppliers	supplier	NOUN
ajis02-327	52	18	,	,	PUNCT
ajis02-327	52	19	can	can	AUX
ajis02-327	52	20	assist	assist	VERB
ajis02-327	52	21	the	the	DET
ajis02-327	52	22	matching	matching	NOUN
ajis02-327	52	23	of	of	ADP
ajis02-327	52	24	buyer	buyer	NOUN
ajis02-327	52	25	preferences	preference	NOUN
ajis02-327	52	26	and	and	CCONJ
ajis02-327	52	27	supplier	supplier	NOUN
ajis02-327	52	28	characteristics	characteristic	NOUN
ajis02-327	52	29	,	,	PUNCT
ajis02-327	52	30	thus	thus	ADV
ajis02-327	52	31	increasing	increase	VERB
ajis02-327	52	32	the	the	DET
ajis02-327	52	33	number	number	NOUN
ajis02-327	52	34	of	of	ADP
ajis02-327	52	35	alternatives	alternative	NOUN
ajis02-327	52	36	that	that	PRON
ajis02-327	52	37	can	can	AUX
ajis02-327	52	38	be	be	AUX
ajis02-327	52	39	considered	consider	VERB
ajis02-327	52	40	,	,	PUNCT
ajis02-327	52	41	increasing	increase	VERB
ajis02-327	52	42	the	the	DET
ajis02-327	52	43	quality	quality	NOUN
ajis02-327	52	44	of	of	ADP
ajis02-327	52	45	the	the	DET
ajis02-327	52	46	alternative	alternative	NOUN
ajis02-327	52	47	eventually	eventually	ADV
ajis02-327	52	48	selected	select	VERB
ajis02-327	52	49	,	,	PUNCT
ajis02-327	52	50	and	and	CCONJ
ajis02-327	52	51	decreasing	decrease	VERB
ajis02-327	52	52	the	the	DET
ajis02-327	52	53	cost	cost	NOUN
ajis02-327	52	54	of	of	ADP
ajis02-327	52	55	the	the	DET
ajis02-327	52	56	entire	entire	ADJ
ajis02-327	52	57	product	product	NOUN
ajis02-327	52	58	selection	selection	NOUN
ajis02-327	52	59	process	process	NOUN
ajis02-327	52	60	.	.	PUNCT
ajis02-327	53	1	3	3	X
ajis02-327	53	2	.	.	X
ajis02-327	53	3	electronic	electronic	ADJ
ajis02-327	53	4	integration	integration	NOUN
ajis02-327	53	5	effect	effect	NOUN
ajis02-327	53	6	—	—	PUNCT
ajis02-327	53	7	information	information	NOUN
ajis02-327	53	8	technology	technology	NOUN
ajis02-327	53	9	can	can	AUX
ajis02-327	53	10	be	be	AUX
ajis02-327	53	11	used	use	VERB
ajis02-327	53	12	not	not	PART
ajis02-327	53	13	just	just	ADV
ajis02-327	53	14	to	to	PART
ajis02-327	53	15	speed	speed	VERB
ajis02-327	53	16	communication	communication	NOUN
ajis02-327	53	17	but	but	CCONJ
ajis02-327	53	18	to	to	PART
ajis02-327	53	19	also	also	ADV
ajis02-327	53	20	change	change	VERB
ajis02-327	53	21	the	the	DET
ajis02-327	53	22	processes	process	NOUN
ajis02-327	53	23	that	that	PRON
ajis02-327	53	24	create	create	VERB
ajis02-327	53	25	and	and	CCONJ
ajis02-327	53	26	use	use	VERB
ajis02-327	53	27	the	the	DET
ajis02-327	53	28	information	information	NOUN
ajis02-327	53	29	.	.	PUNCT
ajis02-327	54	1	the	the	DET
ajis02-327	54	2	three	three	NUM
ajis02-327	54	3	electronic	electronic	ADJ
ajis02-327	54	4	effects	effect	NOUN
ajis02-327	54	5	described	describe	VERB
ajis02-327	54	6	by	by	ADP
ajis02-327	54	7	malone	malone	PROPN
ajis02-327	54	8	et	et	PROPN
ajis02-327	54	9	al	al	PROPN
ajis02-327	54	10	.	.	PROPN
ajis02-327	54	11	contribute	contribute	VERB
ajis02-327	54	12	towards	towards	ADP
ajis02-327	54	13	illustrating	illustrate	VERB
ajis02-327	54	14	how	how	SCONJ
ajis02-327	54	15	information	information	NOUN
ajis02-327	54	16	systems	system	NOUN
ajis02-327	54	17	,	,	PUNCT
ajis02-327	54	18	deployed	deploy	VERB
ajis02-327	54	19	and	and	CCONJ
ajis02-327	54	20	used	use	VERB
ajis02-327	54	21	to	to	PART
ajis02-327	54	22	create	create	VERB
ajis02-327	54	23	an	an	DET
ajis02-327	54	24	electronic	electronic	ADJ
ajis02-327	54	25	marketplace	marketplace	NOUN
ajis02-327	54	26	,	,	PUNCT
ajis02-327	54	27	have	have	VERB
ajis02-327	54	28	the	the	DET
ajis02-327	54	29	potential	potential	NOUN
ajis02-327	54	30	to	to	PART
ajis02-327	54	31	improve	improve	VERB
ajis02-327	54	32	organisational	organisational	ADJ
ajis02-327	54	33	and	and	CCONJ
ajis02-327	54	34	industry	industry	NOUN
ajis02-327	54	35	efficiency	efficiency	NOUN
ajis02-327	54	36	and	and	CCONJ
ajis02-327	54	37	reduce	reduce	VERB
ajis02-327	54	38	costs	cost	NOUN
ajis02-327	54	39	.	.	PUNCT
ajis02-327	55	1	two	two	NUM
ajis02-327	55	2	factors	factor	NOUN
ajis02-327	55	3	are	be	AUX
ajis02-327	55	4	noted	note	VERB
ajis02-327	55	5	to	to	PART
ajis02-327	55	6	influence	influence	VERB
ajis02-327	55	7	the	the	DET
ajis02-327	55	8	utilisation	utilisation	NOUN
ajis02-327	55	9	of	of	ADP
ajis02-327	55	10	the	the	DET
ajis02-327	55	11	electronic	electronic	ADJ
ajis02-327	55	12	marketplace	marketplace	NOUN
ajis02-327	55	13	and	and	CCONJ
ajis02-327	55	14	its	its	PRON
ajis02-327	55	15	development	development	NOUN
ajis02-327	55	16	as	as	ADP
ajis02-327	55	17	either	either	CCONJ
ajis02-327	55	18	a	a	DET
ajis02-327	55	19	hierarchy	hierarchy	NOUN
ajis02-327	55	20	or	or	CCONJ
ajis02-327	55	21	a	a	DET
ajis02-327	55	22	market	market	NOUN
ajis02-327	55	23	.	.	PUNCT
ajis02-327	56	1	"	"	PUNCT
ajis02-327	56	2	two	two	NUM
ajis02-327	56	3	...	...	PUNCT
ajis02-327	56	4	more	more	ADV
ajis02-327	56	5	specific	specific	ADJ
ajis02-327	56	6	factors	factor	NOUN
ajis02-327	56	7	that	that	PRON
ajis02-327	56	8	can	can	AUX
ajis02-327	56	9	be	be	AUX
ajis02-327	56	10	changed	change	VERB
ajis02-327	56	11	by	by	ADP
ajis02-327	56	12	information	information	NOUN
ajis02-327	56	13	technology	technology	NOUN
ajis02-327	56	14	are	be	AUX
ajis02-327	56	15	important	important	ADJ
ajis02-327	56	16	in	in	ADP
ajis02-327	56	17	determining	determine	VERB
ajis02-327	56	18	which	which	PRON
ajis02-327	56	19	co	co	NOUN
ajis02-327	56	20	-	-	NOUN
ajis02-327	56	21	ordination	ordination	ADJ
ajis02-327	56	22	structures	structure	NOUN
ajis02-327	56	23	are	be	AUX
ajis02-327	56	24	desirable	desirable	ADJ
ajis02-327	56	25	:	:	PUNCT
ajis02-327	56	26	asset	asset	NOUN
ajis02-327	56	27	specificity	specificity	NOUN
ajis02-327	56	28	and	and	CCONJ
ajis02-327	56	29	complexity	complexity	NOUN
ajis02-327	56	30	of	of	ADP
ajis02-327	56	31	product	product	NOUN
ajis02-327	56	32	description	description	NOUN
ajis02-327	56	33	"	"	PUNCT
ajis02-327	56	34	(	(	PUNCT
ajis02-327	56	35	malone	malone	PROPN
ajis02-327	56	36	,	,	PUNCT
ajis02-327	56	37	yates	yates	PROPN
ajis02-327	56	38	and	and	CCONJ
ajis02-327	56	39	benjamin	benjamin	PROPN
ajis02-327	56	40	1987,486).^	1987,486).^	PROPN
ajis02-327	56	41	these	these	DET
ajis02-327	56	42	factors	factor	NOUN
ajis02-327	56	43	are	be	AUX
ajis02-327	56	44	suggested	suggest	VERB
ajis02-327	56	45	to	to	PART
ajis02-327	56	46	influence	influence	VERB
ajis02-327	56	47	whether	whether	SCONJ
ajis02-327	56	48	a	a	DET
ajis02-327	56	49	product	product	NOUN
ajis02-327	56	50	or	or	CCONJ
ajis02-327	56	51	service	service	NOUN
ajis02-327	56	52	is	be	AUX
ajis02-327	56	53	biased	bias	VERB
ajis02-327	56	54	towards	towards	ADP
ajis02-327	56	55	participating	participate	VERB
ajis02-327	56	56	in	in	ADP
ajis02-327	56	57	an	an	DET
ajis02-327	56	58	electronic	electronic	ADJ
ajis02-327	56	59	market	market	NOUN
ajis02-327	56	60	or	or	CCONJ
ajis02-327	56	61	an	an	DET
ajis02-327	56	62	electronic	electronic	ADJ
ajis02-327	56	63	hierarchy	hierarchy	NOUN
ajis02-327	56	64	.	.	PUNCT
ajis02-327	57	1	it	it	PRON
ajis02-327	57	2	has	have	AUX
ajis02-327	57	3	been	be	AUX
ajis02-327	57	4	proposed	propose	VERB
ajis02-327	57	5	the	the	PRON
ajis02-327	57	6	more	more	ADV
ajis02-327	57	7	complex	complex	ADJ
ajis02-327	57	8	and	and	CCONJ
ajis02-327	57	9	asset	asset	NOUN
ajis02-327	57	10	specific	specific	ADJ
ajis02-327	57	11	a	a	DET
ajis02-327	57	12	product	product	NOUN
ajis02-327	57	13	or	or	CCONJ
ajis02-327	57	14	service	service	NOUN
ajis02-327	57	15	the	the	DET
ajis02-327	57	16	more	more	ADV
ajis02-327	57	17	likely	likely	ADJ
ajis02-327	57	18	it	it	PRON
ajis02-327	57	19	will	will	AUX
ajis02-327	57	20	be	be	AUX
ajis02-327	57	21	suited	suit	VERB
ajis02-327	57	22	for	for	ADP
ajis02-327	57	23	an	an	DET
ajis02-327	57	24	electronic	electronic	ADJ
ajis02-327	57	25	hierarchy	hierarchy	NOUN
ajis02-327	57	26	rather	rather	ADV
ajis02-327	57	27	than	than	ADP
ajis02-327	57	28	an	an	DET
ajis02-327	57	29	electronic	electronic	ADJ
ajis02-327	57	30	market	market	NOUN
ajis02-327	57	31	.	.	PUNCT
ajis02-327	58	1	assuming	assume	VERB
ajis02-327	58	2	a	a	DET
ajis02-327	58	3	product	product	NOUN
ajis02-327	58	4	or	or	CCONJ
ajis02-327	58	5	service	service	NOUN
ajis02-327	58	6	is	be	AUX
ajis02-327	58	7	suited	suit	VERB
ajis02-327	58	8	for	for	ADP
ajis02-327	58	9	an	an	DET
ajis02-327	58	10	electronic	electronic	ADJ
ajis02-327	58	11	marketplace	marketplace	NOUN
ajis02-327	58	12	,	,	PUNCT
ajis02-327	58	13	the	the	DET
ajis02-327	58	14	types	type	NOUN
ajis02-327	58	15	of	of	ADP
ajis02-327	58	16	characteristics	characteristic	NOUN
ajis02-327	58	17	an	an	DET
ajis02-327	58	18	electronic	electronic	ADJ
ajis02-327	58	19	market	market	NOUN
ajis02-327	58	20	demonstrates	demonstrate	VERB
ajis02-327	58	21	are	be	AUX
ajis02-327	58	22	important	important	ADJ
ajis02-327	58	23	for	for	SCONJ
ajis02-327	58	24	the	the	DET
ajis02-327	58	25	seller	seller	NOUN
ajis02-327	58	26	to	to	PART
ajis02-327	58	27	understand	understand	VERB
ajis02-327	58	28	and	and	CCONJ
ajis02-327	58	29	manage	manage	VERB
ajis02-327	58	30	.	.	PUNCT
ajis02-327	59	1	bakos	bakos	NOUN
ajis02-327	59	2	(	(	PUNCT
ajis02-327	59	3	1991	1991	NUM
ajis02-327	59	4	,	,	PUNCT
ajis02-327	59	5	1991b	1991b	NUM
ajis02-327	59	6	)	)	PUNCT
ajis02-327	59	7	identifies	identify	VERB
ajis02-327	59	8	certain	certain	ADJ
ajis02-327	59	9	characteristics	characteristic	NOUN
ajis02-327	59	10	of	of	ADP
ajis02-327	59	11	electronic	electronic	ADJ
ajis02-327	59	12	markets	market	NOUN
ajis02-327	59	13	:	:	PUNCT
ajis02-327	59	14	•	•	NUM
ajis02-327	59	15	reduction	reduction	NOUN
ajis02-327	59	16	in	in	ADP
ajis02-327	59	17	buyer	buyer	NOUN
ajis02-327	59	18	search	search	NOUN
ajis02-327	59	19	costs	cost	NOUN
ajis02-327	59	20	and	and	CCONJ
ajis02-327	59	21	increased	increase	VERB
ajis02-327	59	22	ability	ability	NOUN
ajis02-327	59	23	to	to	PART
ajis02-327	59	24	search	search	VERB
ajis02-327	59	25	for	for	ADP
ajis02-327	59	26	product	product	NOUN
ajis02-327	59	27	or	or	CCONJ
ajis02-327	59	28	product	product	NOUN
ajis02-327	59	29	mix	mix	NOUN
ajis02-327	59	30	information	information	NOUN
ajis02-327	59	31	and	and	CCONJ
ajis02-327	59	32	price	price	NOUN
ajis02-327	59	33	•	•	NOUN
ajis02-327	59	34	promotion	promotion	NOUN
ajis02-327	59	35	in	in	ADP
ajis02-327	59	36	price	price	NOUN
ajis02-327	59	37	competition	competition	NOUN
ajis02-327	59	38	among	among	ADP
ajis02-327	59	39	sellers	seller	NOUN
ajis02-327	59	40	•	•	NOUN
ajis02-327	59	41	reduction	reduction	NOUN
ajis02-327	59	42	in	in	ADP
ajis02-327	59	43	supplier	supplier	NOUN
ajis02-327	59	44	market	market	NOUN
ajis02-327	59	45	power	power	NOUN
ajis02-327	59	46	•	•	NOUN
ajis02-327	59	47	reduction	reduction	NOUN
ajis02-327	59	48	in	in	ADP
ajis02-327	59	49	buyer	buyer	NOUN
ajis02-327	59	50	search	search	NOUN
ajis02-327	59	51	time	time	NOUN
ajis02-327	59	52	•	•	NOUN
ajis02-327	59	53	reduction	reduction	NOUN
ajis02-327	59	54	in	in	ADP
ajis02-327	59	55	seller	seller	NOUN
ajis02-327	59	56	time	time	NOUN
ajis02-327	59	57	to	to	PART
ajis02-327	59	58	communicate	communicate	VERB
ajis02-327	59	59	product	product	NOUN
ajis02-327	59	60	and	and	CCONJ
ajis02-327	59	61	price	price	NOUN
ajis02-327	59	62	information	information	NOUN
ajis02-327	59	63	•	•	ADP
ajis02-327	59	64	the	the	DET
ajis02-327	59	65	benefits	benefit	NOUN
ajis02-327	59	66	of	of	ADP
ajis02-327	59	67	participation	participation	NOUN
ajis02-327	59	68	hi	hi	INTJ
ajis02-327	59	69	the	the	DET
ajis02-327	59	70	electronic	electronic	ADJ
ajis02-327	59	71	market	market	NOUN
ajis02-327	59	72	increases	increase	NOUN
ajis02-327	59	73	as	as	SCONJ
ajis02-327	59	74	participants	participant	NOUN
ajis02-327	59	75	increase	increase	VERB
ajis02-327	59	76	•	•	NOUN
ajis02-327	59	77	participants	participant	NOUN
ajis02-327	59	78	are	be	AUX
ajis02-327	59	79	influenced	influence	VERB
ajis02-327	59	80	by	by	ADP
ajis02-327	59	81	costs	cost	NOUN
ajis02-327	59	82	that	that	PRON
ajis02-327	59	83	could	could	AUX
ajis02-327	59	84	be	be	AUX
ajis02-327	59	85	incurred	incur	VERB
ajis02-327	59	86	by	by	ADP
ajis02-327	59	87	switching	switch	VERB
ajis02-327	59	88	from	from	ADP
ajis02-327	59	89	one	one	NUM
ajis02-327	59	90	electronic	electronic	ADJ
ajis02-327	59	91	market	market	NOUN
ajis02-327	59	92	to	to	ADP
ajis02-327	59	93	another	another	DET
ajis02-327	59	94	•	•	ADV
ajis02-327	59	95	large	large	ADJ
ajis02-327	59	96	amounts	amount	NOUN
ajis02-327	59	97	of	of	ADP
ajis02-327	59	98	initial	initial	ADJ
ajis02-327	59	99	capital	capital	NOUN
ajis02-327	59	100	investment	investment	NOUN
ajis02-327	59	101	required	require	VERB
ajis02-327	59	102	for	for	ADP
ajis02-327	59	103	participants	participant	NOUN
ajis02-327	59	104	•	•	ADP
ajis02-327	59	105	the	the	DET
ajis02-327	59	106	benefits	benefit	NOUN
ajis02-327	59	107	for	for	ADP
ajis02-327	59	108	market	market	NOUN
ajis02-327	59	109	participants	participant	NOUN
ajis02-327	59	110	are	be	AUX
ajis02-327	59	111	uncertain	uncertain	ADJ
ajis02-327	59	112	•	•	ADP
ajis02-327	59	113	the	the	DET
ajis02-327	59	114	electronic	electronic	ADJ
ajis02-327	59	115	market	market	NOUN
ajis02-327	59	116	offers	offer	VERB
ajis02-327	59	117	economies	economy	NOUN
ajis02-327	59	118	of	of	ADP
ajis02-327	59	119	scale	scale	NOUN
ajis02-327	59	120	and	and	CCONJ
ajis02-327	59	121	scope	scope	NOUN
ajis02-327	59	122	•	•	ADP
ajis02-327	59	123	the	the	DET
ajis02-327	59	124	timetable	timetable	NOUN
ajis02-327	59	125	for	for	ADP
ajis02-327	59	126	change	change	NOUN
ajis02-327	59	127	in	in	ADP
ajis02-327	59	128	an	an	DET
ajis02-327	59	129	electronic	electronic	ADJ
ajis02-327	59	130	market	market	NOUN
ajis02-327	59	131	is	be	AUX
ajis02-327	59	132	uncertain	uncertain	ADJ
ajis02-327	59	133	2	2	NUM
ajis02-327	59	134	asset	asset	NOUN
ajis02-327	59	135	specificity	specificity	NOUN
ajis02-327	59	136	includes	include	VERB
ajis02-327	59	137	site	site	NOUN
ajis02-327	59	138	(	(	PUNCT
ajis02-327	59	139	whether	whether	SCONJ
ajis02-327	59	140	a	a	DET
ajis02-327	59	141	resource	resource	NOUN
ajis02-327	59	142	can	can	AUX
ajis02-327	59	143	be	be	AUX
ajis02-327	59	144	moved	move	VERB
ajis02-327	59	145	)	)	PUNCT
ajis02-327	59	146	,	,	PUNCT
ajis02-327	59	147	physical	physical	ADJ
ajis02-327	59	148	(	(	PUNCT
ajis02-327	59	149	a	a	DET
ajis02-327	59	150	tool	tool	NOUN
ajis02-327	59	151	or	or	CCONJ
ajis02-327	59	152	resource	resource	NOUN
ajis02-327	59	153	designed	design	VERB
ajis02-327	59	154	for	for	ADP
ajis02-327	59	155	a	a	DET
ajis02-327	59	156	single	single	ADJ
ajis02-327	59	157	purpose	purpose	NOUN
ajis02-327	59	158	)	)	PUNCT
ajis02-327	59	159	,	,	PUNCT
ajis02-327	59	160	human	human	NOUN
ajis02-327	59	161	(	(	PUNCT
ajis02-327	59	162	a	a	DET
ajis02-327	59	163	physical	physical	ADJ
ajis02-327	59	164	or	or	CCONJ
ajis02-327	59	165	mental	mental	ADJ
ajis02-327	59	166	skill	skill	NOUN
ajis02-327	59	167	that	that	PRON
ajis02-327	59	168	can	can	AUX
ajis02-327	59	169	not	not	PART
ajis02-327	59	170	be	be	AUX
ajis02-327	59	171	readily	readily	ADV
ajis02-327	59	172	applied	apply	VERB
ajis02-327	59	173	to	to	ADP
ajis02-327	59	174	another	another	DET
ajis02-327	59	175	purpose	purpose	NOUN
ajis02-327	59	176	)	)	PUNCT
ajis02-327	59	177	,	,	PUNCT
ajis02-327	59	178	and	and	CCONJ
ajis02-327	59	179	time	time	NOUN
ajis02-327	59	180	(	(	PUNCT
ajis02-327	59	181	its	its	PRON
ajis02-327	59	182	value	value	NOUN
ajis02-327	59	183	is	be	AUX
ajis02-327	59	184	highly	highly	ADV
ajis02-327	59	185	dependent	dependent	ADJ
ajis02-327	59	186	on	on	ADP
ajis02-327	59	187	a	a	DET
ajis02-327	59	188	specific	specific	ADJ
ajis02-327	59	189	time	time	NOUN
ajis02-327	59	190	period	period	NOUN
ajis02-327	59	191	of	of	ADP
ajis02-327	59	192	use	use	NOUN
ajis02-327	59	193	)	)	PUNCT
ajis02-327	59	194	.	.	PUNCT
ajis02-327	60	1	complexity	complexity	NOUN
ajis02-327	60	2	of	of	ADP
ajis02-327	60	3	product	product	NOUN
ajis02-327	60	4	description	description	NOUN
ajis02-327	60	5	refers	refer	VERB
ajis02-327	60	6	to	to	ADP
ajis02-327	60	7	the	the	DET
ajis02-327	60	8	amount	amount	NOUN
ajis02-327	60	9	of	of	ADP
ajis02-327	60	10	information	information	NOUN
ajis02-327	60	11	needed	need	VERB
ajis02-327	60	12	to	to	PART
ajis02-327	60	13	specify	specify	VERB
ajis02-327	60	14	the	the	DET
ajis02-327	60	15	attributes	attribute	NOUN
ajis02-327	60	16	of	of	ADP
ajis02-327	60	17	a	a	DET
ajis02-327	60	18	product	product	NOUN
ajis02-327	60	19	in	in	ADP
ajis02-327	60	20	enough	enough	ADJ
ajis02-327	60	21	detail	detail	NOUN
ajis02-327	60	22	to	to	PART
ajis02-327	60	23	allow	allow	VERB
ajis02-327	60	24	potential	potential	ADJ
ajis02-327	60	25	buyers	buyer	NOUN
ajis02-327	60	26	to	to	PART
ajis02-327	60	27	make	make	VERB
ajis02-327	60	28	a	a	DET
ajis02-327	60	29	selection	selection	NOUN
ajis02-327	60	30	.	.	PUNCT
ajis02-327	61	1	22	22	NUM
ajis02-327	61	2	ajis	ajis	PROPN
ajis02-327	61	3	special	special	PROPN
ajis02-327	61	4	edition	edition	NOUN
ajis02-327	61	5	electronic	electronic	PROPN
ajis02-327	61	6	commerce	commerce	PROPN
ajis02-327	61	7	november	november	PROPN
ajis02-327	61	8	1998	1998	NUM
ajis02-327	61	9	along	along	ADP
ajis02-327	61	10	with	with	ADP
ajis02-327	61	11	the	the	DET
ajis02-327	61	12	market	market	NOUN
ajis02-327	61	13	characteristics	characteristic	NOUN
ajis02-327	61	14	previously	previously	ADV
ajis02-327	61	15	described	describe	VERB
ajis02-327	61	16	,	,	PUNCT
ajis02-327	61	17	other	other	ADJ
ajis02-327	61	18	network	network	NOUN
ajis02-327	61	19	attributes	attribute	VERB
ajis02-327	61	20	interact	interact	VERB
ajis02-327	61	21	to	to	PART
ajis02-327	61	22	influence	influence	VERB
ajis02-327	61	23	the	the	DET
ajis02-327	61	24	promotion	promotion	NOUN
ajis02-327	61	25	and	and	CCONJ
ajis02-327	61	26	use	use	NOUN
ajis02-327	61	27	of	of	ADP
ajis02-327	61	28	hierarchical	hierarchical	ADJ
ajis02-327	61	29	and	and	CCONJ
ajis02-327	61	30	market	market	NOUN
ajis02-327	61	31	structures	structure	NOUN
ajis02-327	61	32	(	(	PUNCT
ajis02-327	61	33	steinfield	steinfield	PROPN
ajis02-327	61	34	,	,	PUNCT
ajis02-327	61	35	kraut	kraut	NOUN
ajis02-327	61	36	and	and	CCONJ
ajis02-327	61	37	plummer	plummer	PROPN
ajis02-327	61	38	1995	1995	NUM
ajis02-327	61	39	)	)	PUNCT
ajis02-327	61	40	,	,	PUNCT
ajis02-327	61	41	including	include	VERB
ajis02-327	61	42	:	:	PUNCT
ajis02-327	61	43	•	•	NOUN
ajis02-327	61	44	in	in	ADP
ajis02-327	61	45	addition	addition	NOUN
ajis02-327	61	46	to	to	ADP
ajis02-327	61	47	multiple	multiple	ADJ
ajis02-327	61	48	buyers	buyer	NOUN
ajis02-327	61	49	and	and	CCONJ
ajis02-327	61	50	suppliers	supplier	NOUN
ajis02-327	61	51	,	,	PUNCT
ajis02-327	61	52	a	a	DET
ajis02-327	61	53	need	need	NOUN
ajis02-327	61	54	exists	exist	VERB
ajis02-327	61	55	for	for	SCONJ
ajis02-327	61	56	some	some	DET
ajis02-327	61	57	form	form	NOUN
ajis02-327	61	58	of	of	ADP
ajis02-327	61	59	third	third	ADJ
ajis02-327	61	60	party	party	NOUN
ajis02-327	61	61	market	market	NOUN
ajis02-327	61	62	maker	maker	NOUN
ajis02-327	61	63	to	to	PART
ajis02-327	61	64	create	create	VERB
ajis02-327	61	65	a	a	DET
ajis02-327	61	66	network	network	NOUN
ajis02-327	61	67	to	to	PART
ajis02-327	61	68	facilitate	facilitate	VERB
ajis02-327	61	69	search	search	NOUN
ajis02-327	61	70	and	and	CCONJ
ajis02-327	61	71	product	product	NOUN
ajis02-327	61	72	/	/	SYM
ajis02-327	61	73	service	service	NOUN
ajis02-327	61	74	matching	matching	NOUN
ajis02-327	61	75	•	•	ADP
ajis02-327	61	76	the	the	DET
ajis02-327	61	77	network	network	NOUN
ajis02-327	61	78	's	's	PART
ajis02-327	61	79	ability	ability	NOUN
ajis02-327	61	80	to	to	PART
ajis02-327	61	81	allow	allow	VERB
ajis02-327	61	82	rich	rich	ADJ
ajis02-327	61	83	product	product	NOUN
ajis02-327	61	84	descriptions	description	NOUN
ajis02-327	61	85	for	for	ADP
ajis02-327	61	86	complex	complex	ADJ
ajis02-327	61	87	products	product	NOUN
ajis02-327	61	88	•	•	NOUN
ajis02-327	61	89	network	network	NOUN
ajis02-327	61	90	openness	openness	NOUN
ajis02-327	61	91	to	to	PART
ajis02-327	61	92	allow	allow	VERB
ajis02-327	61	93	easy	easy	ADJ
ajis02-327	61	94	communication	communication	NOUN
ajis02-327	61	95	with	with	ADP
ajis02-327	61	96	new	new	ADJ
ajis02-327	61	97	participants	participant	NOUN
ajis02-327	61	98	,	,	PUNCT
ajis02-327	61	99	public	public	ADJ
ajis02-327	61	100	protocols	protocol	NOUN
ajis02-327	61	101	widely	widely	ADV
ajis02-327	61	102	accepted	accept	VERB
ajis02-327	61	103	and	and	CCONJ
ajis02-327	61	104	adopted	adopt	VERB
ajis02-327	61	105	by	by	ADP
ajis02-327	61	106	market	market	NOUN
ajis02-327	61	107	participants	participant	NOUN
ajis02-327	61	108	,	,	PUNCT
ajis02-327	61	109	widespread	widespread	ADJ
ajis02-327	61	110	participation	participation	NOUN
ajis02-327	61	111	,	,	PUNCT
ajis02-327	61	112	and	and	CCONJ
ajis02-327	61	113	low	low	ADJ
ajis02-327	61	114	costs	cost	NOUN
ajis02-327	61	115	for	for	ADP
ajis02-327	61	116	new	new	ADJ
ajis02-327	61	117	entries	entry	NOUN
ajis02-327	61	118	onto	onto	ADP
ajis02-327	61	119	the	the	DET
ajis02-327	61	120	network	network	NOUN
ajis02-327	61	121	•	•	ADP
ajis02-327	61	122	the	the	DET
ajis02-327	61	123	extension	extension	NOUN
ajis02-327	61	124	of	of	ADP
ajis02-327	61	125	open	open	ADJ
ajis02-327	61	126	networks	network	NOUN
ajis02-327	61	127	to	to	PART
ajis02-327	61	128	end	end	VERB
ajis02-327	61	129	consumers	consumer	NOUN
ajis02-327	61	130	to	to	PART
ajis02-327	61	131	support	support	VERB
ajis02-327	61	132	electronic	electronic	ADJ
ajis02-327	61	133	markets	market	NOUN
ajis02-327	61	134	•	•	SCONJ
ajis02-327	61	135	public	public	ADJ
ajis02-327	61	136	networks	network	NOUN
ajis02-327	61	137	reduce	reduce	VERB
ajis02-327	61	138	the	the	DET
ajis02-327	61	139	constraints	constraint	NOUN
ajis02-327	61	140	on	on	ADP
ajis02-327	61	141	connecting	connect	VERB
ajis02-327	61	142	uncertain	uncertain	ADJ
ajis02-327	61	143	,	,	PUNCT
ajis02-327	61	144	low	low	ADJ
ajis02-327	61	145	volume	volume	NOUN
ajis02-327	61	146	trading	trading	NOUN
ajis02-327	61	147	partners	partner	NOUN
ajis02-327	61	148	or	or	CCONJ
ajis02-327	61	149	potential	potential	ADJ
ajis02-327	61	150	partners	partner	NOUN
ajis02-327	61	151	the	the	DET
ajis02-327	61	152	characteristics	characteristic	NOUN
ajis02-327	61	153	and	and	CCONJ
ajis02-327	61	154	attributes	attribute	NOUN
ajis02-327	61	155	of	of	ADP
ajis02-327	61	156	electronic	electronic	ADJ
ajis02-327	61	157	networks	network	NOUN
ajis02-327	61	158	have	have	AUX
ajis02-327	61	159	been	be	AUX
ajis02-327	61	160	forwarded	forward	VERB
ajis02-327	61	161	to	to	PART
ajis02-327	61	162	help	help	VERB
ajis02-327	61	163	practitioners	practitioner	NOUN
ajis02-327	61	164	and	and	CCONJ
ajis02-327	61	165	researchers	researcher	NOUN
ajis02-327	61	166	understand	understand	VERB
ajis02-327	61	167	the	the	DET
ajis02-327	61	168	nature	nature	NOUN
ajis02-327	61	169	an	an	DET
ajis02-327	61	170	electronic	electronic	ADJ
ajis02-327	61	171	market	market	NOUN
ajis02-327	61	172	and	and	CCONJ
ajis02-327	61	173	related	relate	VERB
ajis02-327	61	174	environmental	environmental	ADJ
ajis02-327	61	175	conditions	condition	NOUN
ajis02-327	61	176	.	.	PUNCT
ajis02-327	62	1	such	such	DET
ajis02-327	62	2	an	an	DET
ajis02-327	62	3	understanding	understanding	NOUN
ajis02-327	62	4	not	not	PART
ajis02-327	62	5	only	only	ADV
ajis02-327	62	6	furthers	further	VERB
ajis02-327	62	7	the	the	DET
ajis02-327	62	8	research	research	NOUN
ajis02-327	62	9	into	into	ADP
ajis02-327	62	10	electronic	electronic	ADJ
ajis02-327	62	11	marketplaces	marketplace	NOUN
ajis02-327	62	12	,	,	PUNCT
ajis02-327	62	13	but	but	CCONJ
ajis02-327	62	14	also	also	ADV
ajis02-327	62	15	assists	assist	VERB
ajis02-327	62	16	in	in	ADP
ajis02-327	62	17	providing	provide	VERB
ajis02-327	62	18	a	a	DET
ajis02-327	62	19	strategic	strategic	ADJ
ajis02-327	62	20	perspective	perspective	NOUN
ajis02-327	62	21	in	in	ADP
ajis02-327	62	22	which	which	PRON
ajis02-327	62	23	to	to	PART
ajis02-327	62	24	assess	assess	VERB
ajis02-327	62	25	electronic	electronic	ADJ
ajis02-327	62	26	markets	market	NOUN
ajis02-327	62	27	.	.	PUNCT
ajis02-327	63	1	market	market	NOUN
ajis02-327	63	2	intermediation	intermediation	NOUN
ajis02-327	63	3	and	and	CCONJ
ajis02-327	63	4	disintermediation	disintermediation	NOUN
ajis02-327	63	5	it	it	PRON
ajis02-327	63	6	is	be	AUX
ajis02-327	63	7	widely	widely	ADV
ajis02-327	63	8	argued	argue	VERB
ajis02-327	63	9	that	that	SCONJ
ajis02-327	63	10	an	an	DET
ajis02-327	63	11	inevitable	inevitable	ADJ
ajis02-327	63	12	effect	effect	NOUN
ajis02-327	63	13	of	of	ADP
ajis02-327	63	14	electronic	electronic	ADJ
ajis02-327	63	15	commerce	commerce	NOUN
ajis02-327	63	16	will	will	AUX
ajis02-327	63	17	be	be	AUX
ajis02-327	63	18	disintermediation	disintermediation	NOUN
ajis02-327	63	19	(	(	PUNCT
ajis02-327	63	20	i.e.	i.e.	X
ajis02-327	63	21	,	,	PUNCT
ajis02-327	63	22	removal	removal	NOUN
ajis02-327	63	23	of	of	ADP
ajis02-327	63	24	the	the	DET
ajis02-327	63	25	"	"	PUNCT
ajis02-327	63	26	middlemen	middleman	NOUN
ajis02-327	63	27	"	"	PUNCT
ajis02-327	63	28	)	)	PUNCT
ajis02-327	63	29	.	.	PUNCT
ajis02-327	64	1	however	however	ADV
ajis02-327	64	2	,	,	PUNCT
ajis02-327	64	3	other	other	ADJ
ajis02-327	64	4	claims	claim	NOUN
ajis02-327	64	5	have	have	AUX
ajis02-327	64	6	been	be	AUX
ajis02-327	64	7	made	make	VERB
ajis02-327	64	8	that	that	SCONJ
ajis02-327	64	9	electronic	electronic	ADJ
ajis02-327	64	10	commerce	commerce	NOUN
ajis02-327	64	11	will	will	AUX
ajis02-327	64	12	not	not	PART
ajis02-327	64	13	result	result	VERB
ajis02-327	64	14	in	in	ADP
ajis02-327	64	15	disintermediation	disintermediation	NOUN
ajis02-327	64	16	,	,	PUNCT
ajis02-327	64	17	rather	rather	ADV
ajis02-327	64	18	intermediation	intermediation	NOUN
ajis02-327	64	19	will	will	AUX
ajis02-327	64	20	continue	continue	VERB
ajis02-327	64	21	to	to	PART
ajis02-327	64	22	prosper	prosper	VERB
ajis02-327	64	23	and	and	CCONJ
ajis02-327	64	24	provide	provide	VERB
ajis02-327	64	25	a	a	DET
ajis02-327	64	26	valuable	valuable	ADJ
ajis02-327	64	27	role	role	NOUN
ajis02-327	64	28	in	in	ADP
ajis02-327	64	29	electronic	electronic	ADJ
ajis02-327	64	30	commerce	commerce	NOUN
ajis02-327	64	31	.	.	PUNCT
ajis02-327	65	1	the	the	DET
ajis02-327	65	2	importance	importance	NOUN
ajis02-327	65	3	of	of	ADP
ajis02-327	65	4	understanding	understand	VERB
ajis02-327	65	5	electronic	electronic	ADJ
ajis02-327	65	6	markets	market	NOUN
ajis02-327	65	7	and	and	CCONJ
ajis02-327	65	8	their	their	PRON
ajis02-327	65	9	effects	effect	NOUN
ajis02-327	65	10	is	be	AUX
ajis02-327	65	11	increased	increase	VERB
ajis02-327	65	12	when	when	SCONJ
ajis02-327	65	13	one	one	NUM
ajis02-327	65	14	examines	examine	VERB
ajis02-327	65	15	how	how	SCONJ
ajis02-327	65	16	they	they	PRON
ajis02-327	65	17	influence	influence	VERB
ajis02-327	65	18	organisational	organisational	ADJ
ajis02-327	65	19	functions	function	NOUN
ajis02-327	65	20	and	and	CCONJ
ajis02-327	65	21	decision	decision	NOUN
ajis02-327	65	22	processes	process	NOUN
ajis02-327	65	23	,	,	PUNCT
ajis02-327	65	24	also	also	ADV
ajis02-327	65	25	known	know	VERB
ajis02-327	65	26	as	as	ADP
ajis02-327	65	27	the	the	DET
ajis02-327	65	28	decision	decision	NOUN
ajis02-327	65	29	to	to	ADP
ajis02-327	65	30	either	either	CCONJ
ajis02-327	65	31	"	"	PUNCT
ajis02-327	65	32	make	make	VERB
ajis02-327	65	33	or	or	CCONJ
ajis02-327	65	34	buy	buy	VERB
ajis02-327	65	35	.	.	PUNCT
ajis02-327	65	36	"	"	PUNCT
ajis02-327	66	1	transaction	transaction	NOUN
ajis02-327	66	2	cost	cost	NOUN
ajis02-327	66	3	theory	theory	NOUN
ajis02-327	66	4	(	(	PUNCT
ajis02-327	66	5	tct	tct	PROPN
ajis02-327	66	6	)	)	PUNCT
ajis02-327	66	7	states	state	VERB
ajis02-327	66	8	that	that	SCONJ
ajis02-327	66	9	a	a	DET
ajis02-327	66	10	firm	firm	NOUN
ajis02-327	66	11	has	have	VERB
ajis02-327	66	12	two	two	NUM
ajis02-327	66	13	options	option	NOUN
ajis02-327	66	14	for	for	ADP
ajis02-327	66	15	organising	organise	VERB
ajis02-327	66	16	its	its	PRON
ajis02-327	66	17	economic	economic	ADJ
ajis02-327	66	18	activities	activity	NOUN
ajis02-327	66	19	:	:	PUNCT
ajis02-327	66	20	the	the	DET
ajis02-327	66	21	internal	internal	ADJ
ajis02-327	66	22	hierarchy	hierarchy	NOUN
ajis02-327	66	23	of	of	ADP
ajis02-327	66	24	vertically	vertically	ADV
ajis02-327	66	25	integrated	integrate	VERB
ajis02-327	66	26	processes	process	NOUN
ajis02-327	66	27	of	of	ADP
ajis02-327	66	28	the	the	DET
ajis02-327	66	29	organisation	organisation	NOUN
ajis02-327	66	30	,	,	PUNCT
ajis02-327	66	31	or	or	CCONJ
ajis02-327	66	32	the	the	DET
ajis02-327	66	33	reliance	reliance	NOUN
ajis02-327	66	34	on	on	ADP
ajis02-327	66	35	external	external	ADJ
ajis02-327	66	36	organisations	organisation	NOUN
ajis02-327	66	37	in	in	ADP
ajis02-327	66	38	the	the	DET
ajis02-327	66	39	open	open	ADJ
ajis02-327	66	40	market	market	NOUN
ajis02-327	66	41	to	to	PART
ajis02-327	66	42	perform	perform	VERB
ajis02-327	66	43	business	business	NOUN
ajis02-327	66	44	processes	process	NOUN
ajis02-327	66	45	(	(	PUNCT
ajis02-327	66	46	coase	coase	PROPN
ajis02-327	66	47	1937	1937	NUM
ajis02-327	66	48	,	,	PUNCT
ajis02-327	66	49	williamson	williamson	PROPN
ajis02-327	66	50	1975	1975	NUM
ajis02-327	66	51	)	)	PUNCT
ajis02-327	66	52	.	.	PUNCT
ajis02-327	67	1	with	with	ADP
ajis02-327	67	2	the	the	DET
ajis02-327	67	3	link	link	NOUN
ajis02-327	67	4	of	of	ADP
ajis02-327	67	5	tct	tct	PROPN
ajis02-327	67	6	to	to	ADP
ajis02-327	67	7	electronic	electronic	ADJ
ajis02-327	67	8	markets	market	NOUN
ajis02-327	67	9	(	(	PUNCT
ajis02-327	67	10	malone	malone	PROPN
ajis02-327	67	11	,	,	PUNCT
ajis02-327	67	12	yates	yates	PROPN
ajis02-327	67	13	and	and	CCONJ
ajis02-327	67	14	benjamin	benjamin	PROPN
ajis02-327	67	15	1987	1987	NUM
ajis02-327	67	16	)	)	PUNCT
ajis02-327	67	17	,	,	PUNCT
ajis02-327	67	18	researchers	researcher	NOUN
ajis02-327	67	19	have	have	AUX
ajis02-327	67	20	argued	argue	VERB
ajis02-327	67	21	that	that	SCONJ
ajis02-327	67	22	as	as	SCONJ
ajis02-327	67	23	costs	cost	NOUN
ajis02-327	67	24	are	be	AUX
ajis02-327	67	25	reduced	reduce	VERB
ajis02-327	67	26	by	by	ADP
ajis02-327	67	27	information	information	NOUN
ajis02-327	67	28	systems	system	NOUN
ajis02-327	67	29	,	,	PUNCT
ajis02-327	67	30	the	the	DET
ajis02-327	67	31	systems	system	NOUN
ajis02-327	67	32	can	can	AUX
ajis02-327	67	33	be	be	AUX
ajis02-327	67	34	extended	extend	VERB
ajis02-327	67	35	to	to	PART
ajis02-327	67	36	reach	reach	VERB
ajis02-327	67	37	end	end	NOUN
ajis02-327	67	38	consumers	consumer	NOUN
ajis02-327	67	39	(	(	PUNCT
ajis02-327	67	40	benjamin	benjamin	PROPN
ajis02-327	67	41	and	and	CCONJ
ajis02-327	67	42	wigand	wigand	ADJ
ajis02-327	67	43	1995	1995	NUM
ajis02-327	67	44	)	)	PUNCT
ajis02-327	67	45	.	.	PUNCT
ajis02-327	68	1	thus	thus	ADV
ajis02-327	68	2	,	,	PUNCT
ajis02-327	68	3	with	with	ADP
ajis02-327	68	4	the	the	DET
ajis02-327	68	5	introduction	introduction	NOUN
ajis02-327	68	6	of	of	ADP
ajis02-327	68	7	inter	inter	ADJ
ajis02-327	68	8	-	-	ADJ
ajis02-327	68	9	organisational	organisational	ADJ
ajis02-327	68	10	systems	system	NOUN
ajis02-327	68	11	and	and	CCONJ
ajis02-327	68	12	the	the	DET
ajis02-327	68	13	creation	creation	NOUN
ajis02-327	68	14	of	of	ADP
ajis02-327	68	15	electronic	electronic	ADJ
ajis02-327	68	16	markets	market	NOUN
ajis02-327	68	17	the	the	DET
ajis02-327	68	18	manner	manner	NOUN
ajis02-327	68	19	through	through	ADP
ajis02-327	68	20	which	which	PRON
ajis02-327	68	21	industries	industry	NOUN
ajis02-327	68	22	are	be	AUX
ajis02-327	68	23	structured	structure	VERB
ajis02-327	68	24	and	and	CCONJ
ajis02-327	68	25	firms	firm	NOUN
ajis02-327	68	26	relate	relate	VERB
ajis02-327	68	27	to	to	ADP
ajis02-327	68	28	buyers	buyer	NOUN
ajis02-327	68	29	and	and	CCONJ
ajis02-327	68	30	suppliers	supplier	NOUN
ajis02-327	68	31	is	be	AUX
ajis02-327	68	32	questioned	question	VERB
ajis02-327	68	33	.	.	PUNCT
ajis02-327	69	1	researchers	researcher	NOUN
ajis02-327	69	2	have	have	AUX
ajis02-327	69	3	attempted	attempt	VERB
ajis02-327	69	4	to	to	PART
ajis02-327	69	5	understand	understand	VERB
ajis02-327	69	6	the	the	DET
ajis02-327	69	7	role	role	NOUN
ajis02-327	69	8	intermediaries	intermediary	NOUN
ajis02-327	69	9	will	will	AUX
ajis02-327	69	10	have	have	VERB
ajis02-327	69	11	in	in	ADP
ajis02-327	69	12	inter	inter	ADJ
ajis02-327	69	13	-	-	ADJ
ajis02-327	69	14	organisational	organisational	ADJ
ajis02-327	69	15	systems	system	NOUN
ajis02-327	69	16	as	as	SCONJ
ajis02-327	69	17	they	they	PRON
ajis02-327	69	18	emerge	emerge	VERB
ajis02-327	69	19	into	into	ADP
ajis02-327	69	20	electronic	electronic	ADJ
ajis02-327	69	21	marketplaces	marketplace	NOUN
ajis02-327	69	22	.	.	PUNCT
ajis02-327	70	1	benjamin	benjamin	PROPN
ajis02-327	70	2	and	and	CCONJ
ajis02-327	70	3	wigand	wigand	PROPN
ajis02-327	70	4	(	(	PUNCT
ajis02-327	70	5	1995b	1995b	NUM
ajis02-327	70	6	)	)	PUNCT
ajis02-327	70	7	and	and	CCONJ
ajis02-327	70	8	thornton	thornton	PROPN
ajis02-327	70	9	(	(	PUNCT
ajis02-327	70	10	1994	1994	NUM
ajis02-327	70	11	)	)	PUNCT
ajis02-327	70	12	explore	explore	VERB
ajis02-327	70	13	how	how	SCONJ
ajis02-327	70	14	industry	industry	NOUN
ajis02-327	70	15	value	value	NOUN
ajis02-327	70	16	chains	chain	NOUN
ajis02-327	70	17	and	and	CCONJ
ajis02-327	70	18	transaction	transaction	NOUN
ajis02-327	70	19	patterns	pattern	NOUN
ajis02-327	70	20	can	can	AUX
ajis02-327	70	21	be	be	AUX
ajis02-327	70	22	affected	affect	VERB
ajis02-327	70	23	by	by	ADP
ajis02-327	70	24	electronic	electronic	ADJ
ajis02-327	70	25	markets	market	NOUN
ajis02-327	70	26	(	(	PUNCT
ajis02-327	70	27	figure	figure	VERB
ajis02-327	70	28	4.1	4.1	NUM
ajis02-327	70	29	)	)	PUNCT
ajis02-327	70	30	.	.	PUNCT
ajis02-327	71	1	in	in	ADP
ajis02-327	71	2	a	a	DET
ajis02-327	71	3	digital	digital	ADJ
ajis02-327	71	4	environment	environment	NOUN
ajis02-327	71	5	,	,	PUNCT
ajis02-327	71	6	producers	producer	NOUN
ajis02-327	71	7	originally	originally	ADV
ajis02-327	71	8	limited	limit	VERB
ajis02-327	71	9	to	to	ADP
ajis02-327	71	10	a	a	DET
ajis02-327	71	11	distribution	distribution	NOUN
ajis02-327	71	12	network	network	NOUN
ajis02-327	71	13	of	of	ADP
ajis02-327	71	14	wholesalers	wholesaler	NOUN
ajis02-327	71	15	and	and	CCONJ
ajis02-327	71	16	retailers	retailer	NOUN
ajis02-327	71	17	,	,	PUNCT
ajis02-327	71	18	can	can	AUX
ajis02-327	71	19	bypass	bypass	VERB
ajis02-327	71	20	those	those	DET
ajis02-327	71	21	members	member	NOUN
ajis02-327	71	22	of	of	ADP
ajis02-327	71	23	the	the	DET
ajis02-327	71	24	value	value	NOUN
ajis02-327	71	25	chain	chain	NOUN
ajis02-327	71	26	to	to	PART
ajis02-327	71	27	directly	directly	ADV
ajis02-327	71	28	interact	interact	VERB
ajis02-327	71	29	with	with	ADP
ajis02-327	71	30	members	member	NOUN
ajis02-327	71	31	further	far	ADV
ajis02-327	71	32	down	down	ADP
ajis02-327	71	33	the	the	DET
ajis02-327	71	34	chain	chain	NOUN
ajis02-327	71	35	or	or	CCONJ
ajis02-327	71	36	sell	sell	VERB
ajis02-327	71	37	directly	directly	ADV
ajis02-327	71	38	to	to	PART
ajis02-327	71	39	end	end	VERB
ajis02-327	71	40	consumers	consumer	NOUN
ajis02-327	71	41	.	.	PUNCT
ajis02-327	72	1	producer	producer	NOUN
ajis02-327	72	2	producer	producer	NOUN
ajis02-327	72	3	producer	producer	NOUN
ajis02-327	72	4	figure	figure	NOUN
ajis02-327	72	5	1	1	NUM
ajis02-327	72	6	value	value	NOUN
ajis02-327	72	7	chains	chain	NOUN
ajis02-327	72	8	and	and	CCONJ
ajis02-327	72	9	transaction	transaction	NOUN
ajis02-327	72	10	patterns	pattern	NOUN
ajis02-327	72	11	source	source	NOUN
ajis02-327	72	12	:	:	PUNCT
ajis02-327	72	13	adapted	adapt	VERB
ajis02-327	72	14	from	from	ADP
ajis02-327	72	15	benjamin	benjamin	PROPN
ajis02-327	72	16	and	and	CCONJ
ajis02-327	72	17	wigand	wigand	PROPN
ajis02-327	72	18	(	(	PUNCT
ajis02-327	72	19	1995b	1995b	NUM
ajis02-327	72	20	):	):	PUNCT
ajis02-327	72	21	"	"	PUNCT
ajis02-327	72	22	electronic	electronic	ADJ
ajis02-327	72	23	markets	market	NOUN
ajis02-327	72	24	and	and	CCONJ
ajis02-327	72	25	virtual	virtual	ADJ
ajis02-327	72	26	value	value	NOUN
ajis02-327	72	27	chains	chain	NOUN
ajis02-327	72	28	on	on	ADP
ajis02-327	72	29	the	the	DET
ajis02-327	72	30	information	information	NOUN
ajis02-327	72	31	superhighway	superhighway	NOUN
ajis02-327	72	32	"	"	PUNCT
ajis02-327	72	33	,	,	PUNCT
ajis02-327	72	34	sloan	sloan	PROPN
ajis02-327	72	35	management	management	PROPN
ajis02-327	72	36	review	review	PROPN
ajis02-327	72	37	.	.	PUNCT
ajis02-327	73	1	winter	winter	NOUN
ajis02-327	73	2	,	,	PUNCT
ajis02-327	73	3	62	62	NUM
ajis02-327	73	4	-	-	SYM
ajis02-327	73	5	72	72	NUM
ajis02-327	73	6	,	,	PUNCT
ajis02-327	73	7	and	and	CCONJ
ajis02-327	73	8	thornton	thornton	PROPN
ajis02-327	73	9	(	(	PUNCT
ajis02-327	73	10	1994	1994	NUM
ajis02-327	73	11	):	):	PUNCT
ajis02-327	73	12	"	"	PUNCT
ajis02-327	73	13	revolution	revolution	NOUN
ajis02-327	73	14	in	in	ADP
ajis02-327	73	15	japanese	japanese	ADJ
ajis02-327	73	16	retailing	retailing	NOUN
ajis02-327	73	17	"	"	PUNCT
ajis02-327	73	18	,	,	PUNCT
ajis02-327	73	19	fortune	fortune	NOUN
ajis02-327	73	20	magazine	magazine	NOUN
ajis02-327	73	21	.	.	PUNCT
ajis02-327	74	1	february	february	PROPN
ajis02-327	74	2	,	,	PUNCT
ajis02-327	74	3	144	144	NUM
ajis02-327	74	4	some	some	DET
ajis02-327	74	5	researchers	researcher	NOUN
ajis02-327	74	6	have	have	AUX
ajis02-327	74	7	explored	explore	VERB
ajis02-327	74	8	why	why	SCONJ
ajis02-327	74	9	and	and	CCONJ
ajis02-327	74	10	how	how	SCONJ
ajis02-327	74	11	producers	producer	NOUN
ajis02-327	74	12	will	will	AUX
ajis02-327	74	13	attempt	attempt	VERB
ajis02-327	74	14	to	to	PART
ajis02-327	74	15	directly	directly	ADV
ajis02-327	74	16	interact	interact	VERB
ajis02-327	74	17	with	with	ADP
ajis02-327	74	18	end	end	NOUN
ajis02-327	74	19	consumers	consumer	NOUN
ajis02-327	74	20	.	.	PUNCT
ajis02-327	75	1	sarkar	sarkar	PROPN
ajis02-327	75	2	,	,	PUNCT
ajis02-327	75	3	butler	butler	NOUN
ajis02-327	75	4	and	and	CCONJ
ajis02-327	75	5	steinfield	steinfield	NOUN
ajis02-327	75	6	summarise	summarise	VERB
ajis02-327	75	7	the	the	DET
ajis02-327	75	8	research	research	NOUN
ajis02-327	75	9	best	good	ADJ
ajis02-327	75	10	by	by	ADP
ajis02-327	75	11	stating	state	VERB
ajis02-327	75	12	,	,	PUNCT
ajis02-327	75	13	"	"	PUNCT
ajis02-327	75	14	...	...	PUNCT
ajis02-327	75	15	one	one	NUM
ajis02-327	75	16	fundamental	fundamental	ADJ
ajis02-327	75	17	question	question	NOUN
ajis02-327	75	18	,	,	PUNCT
ajis02-327	75	19	therefore	therefore	ADV
ajis02-327	75	20	,	,	PUNCT
ajis02-327	75	21	is	be	AUX
ajis02-327	75	22	to	to	ADP
ajis02-327	75	23	what	what	DET
ajis02-327	75	24	extent	extent	NOUN
ajis02-327	75	25	producing	produce	VERB
ajis02-327	75	26	organisations	organisation	NOUN
ajis02-327	75	27	would	would	AUX
ajis02-327	75	28	take	take	VERB
ajis02-327	75	29	advantage	advantage	NOUN
ajis02-327	75	30	of	of	ADP
ajis02-327	75	31	direct	direct	ADJ
ajis02-327	75	32	electronic	electronic	ADJ
ajis02-327	75	33	links	link	NOUN
ajis02-327	75	34	with	with	ADP
ajis02-327	75	35	consumers	consumer	NOUN
ajis02-327	75	36	,	,	PUNCT
ajis02-327	75	37	and	and	CCONJ
ajis02-327	75	38	whether	whether	SCONJ
ajis02-327	75	39	in	in	ADP
ajis02-327	75	40	the	the	DET
ajis02-327	75	41	process	process	NOUN
ajis02-327	75	42	,	,	PUNCT
ajis02-327	75	43	intermediaries	intermediary	NOUN
ajis02-327	75	44	will	will	AUX
ajis02-327	75	45	be	be	AUX
ajis02-327	75	46	eliminated	eliminate	VERB
ajis02-327	75	47	from	from	ADP
ajis02-327	75	48	the	the	DET
ajis02-327	75	49	value	value	NOUN
ajis02-327	75	50	system	system	NOUN
ajis02-327	75	51	"	"	PUNCT
ajis02-327	75	52	(	(	PUNCT
ajis02-327	75	53	1995	1995	NUM
ajis02-327	75	54	,	,	PUNCT
ajis02-327	75	55	3	3	NUM
ajis02-327	75	56	)	)	PUNCT
ajis02-327	75	57	.	.	PUNCT
ajis02-327	76	1	23	23	NUM
ajis02-327	76	2	ajis	ajis	ADV
ajis02-327	76	3	special	special	PROPN
ajis02-327	76	4	edition	edition	PROPN
ajis02-327	76	5	electronic	electronic	PROPN
ajis02-327	76	6	commerce	commerce	PROPN
ajis02-327	76	7	november	november	PROPN
ajis02-327	76	8	1998	1998	NUM
ajis02-327	76	9	benjamin	benjamin	PROPN
ajis02-327	76	10	and	and	CCONJ
ajis02-327	76	11	wigand	wigand	PROPN
ajis02-327	76	12	(	(	PUNCT
ajis02-327	76	13	1995	1995	NUM
ajis02-327	76	14	)	)	PUNCT
ajis02-327	76	15	clearly	clearly	ADV
ajis02-327	76	16	state	state	VERB
ajis02-327	76	17	that	that	SCONJ
ajis02-327	76	18	market	market	NOUN
ajis02-327	76	19	intermediaries	intermediary	NOUN
ajis02-327	76	20	are	be	AUX
ajis02-327	76	21	threatened	threaten	VERB
ajis02-327	76	22	by	by	ADP
ajis02-327	76	23	the	the	DET
ajis02-327	76	24	national	national	ADJ
ajis02-327	76	25	information	information	NOUN
ajis02-327	76	26	infrastructure	infrastructure	NOUN
ajis02-327	76	27	(	(	PUNCT
ajis02-327	76	28	i.e.	i.e.	X
ajis02-327	76	29	an	an	DET
ajis02-327	76	30	electronic	electronic	ADJ
ajis02-327	76	31	market	market	NOUN
ajis02-327	76	32	)	)	PUNCT
ajis02-327	76	33	because	because	SCONJ
ajis02-327	76	34	of	of	ADP
ajis02-327	76	35	market	market	NOUN
ajis02-327	76	36	benefits	benefit	NOUN
ajis02-327	76	37	,	,	PUNCT
ajis02-327	76	38	"	"	PUNCT
ajis02-327	76	39	...	...	PUNCT
ajis02-327	76	40	consumers	consumer	NOUN
ajis02-327	76	41	will	will	AUX
ajis02-327	76	42	choose	choose	VERB
ajis02-327	76	43	alternative	alternative	ADJ
ajis02-327	76	44	forms	form	NOUN
ajis02-327	76	45	of	of	ADP
ajis02-327	76	46	transactions	transaction	NOUN
ajis02-327	76	47	in	in	ADP
ajis02-327	76	48	favour	favour	NOUN
ajis02-327	76	49	of	of	ADP
ajis02-327	76	50	price	price	NOUN
ajis02-327	76	51	,	,	PUNCT
ajis02-327	76	52	high	high	ADJ
ajis02-327	76	53	quality	quality	NOUN
ajis02-327	76	54	,	,	PUNCT
ajis02-327	76	55	selection	selection	NOUN
ajis02-327	76	56	choice	choice	NOUN
ajis02-327	76	57	,	,	PUNCT
ajis02-327	76	58	and	and	CCONJ
ajis02-327	76	59	time	time	NOUN
ajis02-327	76	60	savings	saving	NOUN
ajis02-327	76	61	"	"	PUNCT
ajis02-327	76	62	(	(	PUNCT
ajis02-327	76	63	1995b	1995b	NUM
ajis02-327	76	64	,	,	PUNCT
ajis02-327	76	65	70	70	NUM
ajis02-327	76	66	)	)	PUNCT
ajis02-327	76	67	.	.	PUNCT
ajis02-327	77	1	the	the	DET
ajis02-327	77	2	threatened	threaten	VERB
ajis02-327	77	3	intermediary	intermediary	ADJ
ajis02-327	77	4	hypothesis	hypothesis	NOUN
ajis02-327	77	5	(	(	PUNCT
ajis02-327	77	6	tih	tih	NOUN
ajis02-327	77	7	)	)	PUNCT
ajis02-327	77	8	states	state	VERB
ajis02-327	77	9	that	that	SCONJ
ajis02-327	77	10	an	an	DET
ajis02-327	77	11	electronic	electronic	ADJ
ajis02-327	77	12	market	market	NOUN
ajis02-327	77	13	network	network	NOUN
ajis02-327	77	14	can	can	AUX
ajis02-327	77	15	be	be	AUX
ajis02-327	77	16	extended	extend	VERB
ajis02-327	77	17	to	to	PART
ajis02-327	77	18	directly	directly	ADV
ajis02-327	77	19	link	link	VERB
ajis02-327	77	20	consumers	consumer	NOUN
ajis02-327	77	21	with	with	ADP
ajis02-327	77	22	producers	producer	NOUN
ajis02-327	77	23	,	,	PUNCT
ajis02-327	77	24	and	and	CCONJ
ajis02-327	77	25	in	in	ADP
ajis02-327	77	26	doing	do	VERB
ajis02-327	77	27	so	so	ADV
ajis02-327	77	28	,	,	PUNCT
ajis02-327	77	29	lower	low	ADJ
ajis02-327	77	30	transaction	transaction	NOUN
ajis02-327	77	31	costs	cost	VERB
ajis02-327	77	32	producers	producer	NOUN
ajis02-327	77	33	incur	incur	VERB
ajis02-327	77	34	when	when	SCONJ
ajis02-327	77	35	marketing	marketing	NOUN
ajis02-327	77	36	and	and	CCONJ
ajis02-327	77	37	selling	selling	NOUN
ajis02-327	77	38	to	to	PART
ajis02-327	77	39	end	end	VERB
ajis02-327	77	40	consumers	consumer	NOUN
ajis02-327	77	41	(	(	PUNCT
ajis02-327	77	42	sarkar	sarkar	PROPN
ajis02-327	77	43	,	,	PUNCT
ajis02-327	77	44	butler	butler	NOUN
ajis02-327	77	45	,	,	PUNCT
ajis02-327	77	46	and	and	CCONJ
ajis02-327	77	47	steinfield	steinfield	NOUN
ajis02-327	77	48	1995	1995	NUM
ajis02-327	77	49	)	)	PUNCT
ajis02-327	77	50	.	.	PUNCT
ajis02-327	78	1	for	for	ADP
ajis02-327	78	2	example	example	NOUN
ajis02-327	78	3	,	,	PUNCT
ajis02-327	78	4	in	in	ADP
ajis02-327	78	5	a	a	DET
ajis02-327	78	6	three	three	NUM
ajis02-327	78	7	member	member	NOUN
ajis02-327	78	8	value	value	NOUN
ajis02-327	78	9	system	system	NOUN
ajis02-327	78	10	(	(	PUNCT
ajis02-327	78	11	figure	figure	NOUN
ajis02-327	78	12	4.2	4.2	NUM
ajis02-327	78	13	)	)	PUNCT
ajis02-327	78	14	,	,	PUNCT
ajis02-327	78	15	possible	possible	ADJ
ajis02-327	78	16	transaction	transaction	NOUN
ajis02-327	78	17	costs	cost	NOUN
ajis02-327	78	18	and	and	CCONJ
ajis02-327	78	19	intermediary	intermediary	ADJ
ajis02-327	78	20	value	value	NOUN
ajis02-327	78	21	dictate	dictate	VERB
ajis02-327	78	22	which	which	DET
ajis02-327	78	23	channel	channel	NOUN
ajis02-327	78	24	a	a	DET
ajis02-327	78	25	producer	producer	NOUN
ajis02-327	78	26	uses	use	VERB
ajis02-327	78	27	to	to	AUX
ajis02-327	78	28	market	market	VERB
ajis02-327	78	29	and	and	CCONJ
ajis02-327	78	30	sell	sell	VERB
ajis02-327	78	31	products	product	NOUN
ajis02-327	78	32	for	for	ADP
ajis02-327	78	33	consumption	consumption	NOUN
ajis02-327	78	34	.	.	PUNCT
ajis02-327	79	1	if	if	SCONJ
ajis02-327	79	2	the	the	DET
ajis02-327	79	3	cost	cost	NOUN
ajis02-327	79	4	of	of	ADP
ajis02-327	79	5	transaction	transaction	NOUN
ajis02-327	79	6	one	one	NUM
ajis02-327	79	7	(	(	PUNCT
ajis02-327	79	8	tl	tl	PROPN
ajis02-327	79	9	)	)	PUNCT
ajis02-327	79	10	is	be	AUX
ajis02-327	79	11	more	more	ADJ
ajis02-327	79	12	than	than	ADP
ajis02-327	79	13	transaction	transaction	NOUN
ajis02-327	79	14	two	two	NUM
ajis02-327	79	15	(	(	PUNCT
ajis02-327	79	16	t2	t2	NOUN
ajis02-327	79	17	)	)	PUNCT
ajis02-327	79	18	and	and	CCONJ
ajis02-327	79	19	transaction	transaction	NOUN
ajis02-327	79	20	three	three	NUM
ajis02-327	79	21	(	(	PUNCT
ajis02-327	79	22	t3	t3	NOUN
ajis02-327	79	23	)	)	PUNCT
ajis02-327	79	24	combined	combine	VERB
ajis02-327	79	25	,	,	PUNCT
ajis02-327	79	26	than	than	SCONJ
ajis02-327	79	27	the	the	DET
ajis02-327	79	28	intermediary	intermediary	NOUN
ajis02-327	79	29	is	be	AUX
ajis02-327	79	30	valued	value	VERB
ajis02-327	79	31	and	and	CCONJ
ajis02-327	79	32	used	use	VERB
ajis02-327	79	33	.	.	PUNCT
ajis02-327	80	1	however	however	ADV
ajis02-327	80	2	,	,	PUNCT
ajis02-327	80	3	if	if	SCONJ
ajis02-327	80	4	the	the	DET
ajis02-327	80	5	cost	cost	NOUN
ajis02-327	80	6	of	of	ADP
ajis02-327	80	7	tl	tl	PROPN
ajis02-327	80	8	is	be	AUX
ajis02-327	80	9	less	less	ADJ
ajis02-327	80	10	than	than	ADP
ajis02-327	80	11	t2	t2	NOUN
ajis02-327	80	12	and	and	CCONJ
ajis02-327	80	13	t3	t3	PROPN
ajis02-327	80	14	and	and	CCONJ
ajis02-327	80	15	the	the	DET
ajis02-327	80	16	market	market	NOUN
ajis02-327	80	17	value	value	NOUN
ajis02-327	80	18	of	of	ADP
ajis02-327	80	19	the	the	DET
ajis02-327	80	20	intermediary	intermediary	NOUN
ajis02-327	80	21	is	be	AUX
ajis02-327	80	22	not	not	PART
ajis02-327	80	23	needed	need	VERB
ajis02-327	80	24	,	,	PUNCT
ajis02-327	80	25	than	than	SCONJ
ajis02-327	80	26	the	the	DET
ajis02-327	80	27	intermediary	intermediary	NOUN
ajis02-327	80	28	is	be	AUX
ajis02-327	80	29	bypassed	bypass	VERB
ajis02-327	80	30	.	.	PUNCT
ajis02-327	81	1	intermediary	intermediary	ADJ
ajis02-327	81	2	producer	producer	NOUN
ajis02-327	81	3	•—••	•—••	PROPN
ajis02-327	81	4	e	e	PROPN
ajis02-327	81	5	consumer	consumer	NOUN
ajis02-327	81	6	tl	tl	PROPN
ajis02-327	81	7	figure	figure	NOUN
ajis02-327	81	8	2	2	NUM
ajis02-327	81	9	value	value	NOUN
ajis02-327	81	10	system	system	NOUN
ajis02-327	81	11	transaction	transaction	NOUN
ajis02-327	81	12	patterns	pattern	NOUN
ajis02-327	81	13	source	source	NOUN
ajis02-327	81	14	:	:	PUNCT
ajis02-327	81	15	adapted	adapt	VERB
ajis02-327	81	16	from	from	ADP
ajis02-327	81	17	sarkar	sarkar	PROPN
ajis02-327	81	18	,	,	PUNCT
ajis02-327	81	19	mirtra	mirtra	PROPN
ajis02-327	81	20	b.	b.	PROPN
ajis02-327	81	21	,	,	PUNCT
ajis02-327	81	22	brian	brian	PROPN
ajis02-327	81	23	butler	butler	PROPN
ajis02-327	81	24	and	and	CCONJ
ajis02-327	81	25	charles	charles	PROPN
ajis02-327	81	26	steinfield	steinfield	PROPN
ajis02-327	81	27	(	(	PUNCT
ajis02-327	81	28	1995	1995	NUM
ajis02-327	81	29	):	):	PUNCT
ajis02-327	81	30	"	"	PUNCT
ajis02-327	81	31	intermediaries	intermediary	NOUN
ajis02-327	81	32	and	and	CCONJ
ajis02-327	81	33	cybermediaries	cybermediarie	NOUN
ajis02-327	81	34	:	:	PUNCT
ajis02-327	81	35	a	a	DET
ajis02-327	81	36	continuing	continue	VERB
ajis02-327	81	37	role	role	NOUN
ajis02-327	81	38	for	for	ADP
ajis02-327	81	39	mediating	mediate	VERB
ajis02-327	81	40	players	player	NOUN
ajis02-327	81	41	hi	hi	VERB
ajis02-327	81	42	the	the	DET
ajis02-327	81	43	electronic	electronic	ADJ
ajis02-327	81	44	marketplace	marketplace	NOUN
ajis02-327	81	45	"	"	PUNCT
ajis02-327	81	46	,	,	PUNCT
ajis02-327	81	47	journal	journal	NOUN
ajis02-327	81	48	of	of	ADP
ajis02-327	81	49	computer	computer	NOUN
ajis02-327	81	50	mediated	mediate	VERB
ajis02-327	81	51	-	-	PUNCT
ajis02-327	81	52	communication	communication	NOUN
ajis02-327	81	53	.	.	PUNCT
ajis02-327	82	1	3	3	NUM
ajis02-327	82	2	,	,	PUNCT
ajis02-327	82	3	1	1	NUM
ajis02-327	82	4	-	-	SYM
ajis02-327	82	5	17	17	NUM
ajis02-327	82	6	[	[	X
ajis02-327	82	7	url	url	NOUN
ajis02-327	82	8	:	:	PUNCT
ajis02-327	82	9	http://jcmc.huji.ac.il/|	http://jcmc.huji.ac.il/|	PROPN
ajis02-327	82	10	benjamin	benjamin	PROPN
ajis02-327	82	11	and	and	CCONJ
ajis02-327	82	12	wigand	wigand	PROPN
ajis02-327	82	13	noted	note	VERB
ajis02-327	82	14	the	the	DET
ajis02-327	82	15	threat	threat	NOUN
ajis02-327	82	16	of	of	ADP
ajis02-327	82	17	disintermediation	disintermediation	NOUN
ajis02-327	82	18	to	to	ADP
ajis02-327	82	19	market	market	NOUN
ajis02-327	82	20	participants	participant	NOUN
ajis02-327	82	21	by	by	ADP
ajis02-327	82	22	stating	state	VERB
ajis02-327	82	23	,	,	PUNCT
ajis02-327	82	24	"	"	PUNCT
ajis02-327	82	25	...	...	PUNCT
ajis02-327	82	26	all	all	DET
ajis02-327	82	27	the	the	DET
ajis02-327	82	28	stakeholders	stakeholder	NOUN
ajis02-327	82	29	in	in	ADP
ajis02-327	82	30	an	an	DET
ajis02-327	82	31	industry	industry	NOUN
ajis02-327	82	32	value	value	NOUN
ajis02-327	82	33	chain	chain	NOUN
ajis02-327	82	34	must	must	AUX
ajis02-327	82	35	consider	consider	VERB
ajis02-327	82	36	whether	whether	SCONJ
ajis02-327	82	37	their	their	PRON
ajis02-327	82	38	place	place	NOUN
ajis02-327	82	39	in	in	ADP
ajis02-327	82	40	the	the	DET
ajis02-327	82	41	chain	chain	NOUN
ajis02-327	82	42	is	be	AUX
ajis02-327	82	43	threatened	threaten	VERB
ajis02-327	82	44	and	and	CCONJ
ajis02-327	82	45	,	,	PUNCT
ajis02-327	82	46	if	if	SCONJ
ajis02-327	82	47	so	so	ADV
ajis02-327	82	48	,	,	PUNCT
ajis02-327	82	49	what	what	DET
ajis02-327	82	50	long	long	ADJ
ajis02-327	82	51	term	term	NOUN
ajis02-327	82	52	strategies	strategy	NOUN
ajis02-327	82	53	to	to	PART
ajis02-327	82	54	experiment	experiment	VERB
ajis02-327	82	55	with	with	ADP
ajis02-327	82	56	"	"	PUNCT
ajis02-327	82	57	(	(	PUNCT
ajis02-327	82	58	1995b	1995b	NUM
ajis02-327	82	59	,	,	PUNCT
ajis02-327	82	60	71	71	NUM
ajis02-327	82	61	)	)	PUNCT
ajis02-327	82	62	.	.	PUNCT
ajis02-327	83	1	however	however	ADV
ajis02-327	83	2	,	,	PUNCT
ajis02-327	83	3	"	"	PUNCT
ajis02-327	83	4	...	...	PUNCT
ajis02-327	83	5	rather	rather	ADV
ajis02-327	83	6	than	than	ADP
ajis02-327	83	7	the	the	DET
ajis02-327	83	8	highly	highly	ADV
ajis02-327	83	9	abstracted	abstract	VERB
ajis02-327	83	10	view	view	NOUN
ajis02-327	83	11	of	of	ADP
ajis02-327	83	12	intermediaries	intermediary	NOUN
ajis02-327	83	13	as	as	ADP
ajis02-327	83	14	providing	provide	VERB
ajis02-327	83	15	a	a	DET
ajis02-327	83	16	single	single	ADJ
ajis02-327	83	17	unified	unified	ADJ
ajis02-327	83	18	service	service	NOUN
ajis02-327	83	19	known	know	VERB
ajis02-327	83	20	as	as	ADP
ajis02-327	83	21	'	'	PUNCT
ajis02-327	83	22	co	co	NOUN
ajis02-327	83	23	-	-	NOUN
ajis02-327	83	24	ordination	ordination	NOUN
ajis02-327	83	25	'	'	PUNCT
ajis02-327	83	26	,	,	PUNCT
ajis02-327	83	27	the	the	DET
ajis02-327	83	28	roles	role	NOUN
ajis02-327	83	29	of	of	ADP
ajis02-327	83	30	intermediaries	intermediary	NOUN
ajis02-327	83	31	must	must	AUX
ajis02-327	83	32	be	be	AUX
ajis02-327	83	33	considered	consider	VERB
ajis02-327	83	34	in	in	ADP
ajis02-327	83	35	more	more	ADJ
ajis02-327	83	36	detail	detail	NOUN
ajis02-327	83	37	in	in	ADP
ajis02-327	83	38	order	order	NOUN
ajis02-327	83	39	to	to	PART
ajis02-327	83	40	understand	understand	VERB
ajis02-327	83	41	the	the	DET
ajis02-327	83	42	impact	impact	NOUN
ajis02-327	83	43	of	of	ADP
ajis02-327	83	44	the	the	DET
ajis02-327	83	45	nil	nil	NOUN
ajis02-327	83	46	(	(	PUNCT
ajis02-327	83	47	i.e.	i.e.	X
ajis02-327	83	48	an	an	DET
ajis02-327	83	49	electronic	electronic	ADJ
ajis02-327	83	50	market	market	NOUN
ajis02-327	83	51	)	)	PUNCT
ajis02-327	83	52	,	,	PUNCT
ajis02-327	83	53	"	"	PUNCT
ajis02-327	83	54	including	include	VERB
ajis02-327	83	55	the	the	DET
ajis02-327	83	56	following	follow	VERB
ajis02-327	83	57	multifaceted	multifaceted	ADJ
ajis02-327	83	58	functions	function	NOUN
ajis02-327	83	59	(	(	PUNCT
ajis02-327	83	60	sarkar	sarkar	NOUN
ajis02-327	83	61	,	,	PUNCT
ajis02-327	83	62	butler	butler	NOUN
ajis02-327	83	63	and	and	CCONJ
ajis02-327	83	64	steinfield	steinfield	NOUN
ajis02-327	83	65	1995,7	1995,7	NUM
ajis02-327	83	66	-	-	SYM
ajis02-327	83	67	11	11	NUM
ajis02-327	83	68	):	):	PUNCT
ajis02-327	83	69	•	•	NUM
ajis02-327	83	70	search	search	NOUN
ajis02-327	83	71	and	and	CCONJ
ajis02-327	83	72	evaluation	evaluation	NOUN
ajis02-327	83	73	•	•	NOUN
ajis02-327	83	74	needs	need	VERB
ajis02-327	83	75	assessment	assessment	NOUN
ajis02-327	83	76	and	and	CCONJ
ajis02-327	83	77	product	product	NOUN
ajis02-327	83	78	matching	match	VERB
ajis02-327	83	79	•	•	NUM
ajis02-327	83	80	customer	customer	NOUN
ajis02-327	83	81	risk	risk	NOUN
ajis02-327	83	82	management	management	NOUN
ajis02-327	83	83	•	•	NOUN
ajis02-327	83	84	product	product	NOUN
ajis02-327	83	85	distribution	distribution	NOUN
ajis02-327	83	86	•	•	NOUN
ajis02-327	83	87	product	product	NOUN
ajis02-327	83	88	information	information	NOUN
ajis02-327	83	89	dissemination	dissemination	NOUN
ajis02-327	83	90	•	•	NOUN
ajis02-327	83	91	purchase	purchase	NOUN
ajis02-327	83	92	influence	influence	NOUN
ajis02-327	83	93	•	•	NOUN
ajis02-327	83	94	provision	provision	NOUN
ajis02-327	83	95	of	of	ADP
ajis02-327	83	96	customer	customer	NOUN
ajis02-327	83	97	information	information	NOUN
ajis02-327	83	98	•	•	NOUN
ajis02-327	83	99	producer	producer	NOUN
ajis02-327	83	100	risk	risk	NOUN
ajis02-327	83	101	management	management	NOUN
ajis02-327	83	102	•	•	NOUN
ajis02-327	83	103	transaction	transaction	NOUN
ajis02-327	83	104	economies	economy	NOUN
ajis02-327	83	105	of	of	ADP
ajis02-327	83	106	scale	scale	NOUN
ajis02-327	83	107	•	•	NOUN
ajis02-327	83	108	integration	integration	NOUN
ajis02-327	83	109	of	of	ADP
ajis02-327	83	110	consumer	consumer	NOUN
ajis02-327	83	111	and	and	CCONJ
ajis02-327	83	112	producer	producer	NOUN
ajis02-327	83	113	needs	need	VERB
ajis02-327	83	114	bakos	bakos	NOUN
ajis02-327	83	115	and	and	CCONJ
ajis02-327	83	116	bailey	bailey	PROPN
ajis02-327	83	117	(	(	PUNCT
ajis02-327	83	118	1997	1997	NUM
ajis02-327	83	119	,	,	PUNCT
ajis02-327	83	120	2	2	NUM
ajis02-327	83	121	-	-	SYM
ajis02-327	83	122	4	4	NUM
ajis02-327	83	123	)	)	PUNCT
ajis02-327	83	124	also	also	ADV
ajis02-327	83	125	addressed	address	VERB
ajis02-327	83	126	the	the	DET
ajis02-327	83	127	issue	issue	NOUN
ajis02-327	83	128	of	of	ADP
ajis02-327	83	129	market	market	NOUN
ajis02-327	83	130	value	value	NOUN
ajis02-327	83	131	provided	provide	VERB
ajis02-327	83	132	by	by	ADP
ajis02-327	83	133	market	market	NOUN
ajis02-327	83	134	intermediaries	intermediary	NOUN
ajis02-327	83	135	and	and	CCONJ
ajis02-327	83	136	noted	note	VERB
ajis02-327	83	137	intermediaries	intermediary	NOUN
ajis02-327	83	138	provided	provide	VERB
ajis02-327	83	139	the	the	DET
ajis02-327	83	140	following	follow	VERB
ajis02-327	83	141	five	five	NUM
ajis02-327	83	142	functions	function	NOUN
ajis02-327	83	143	:	:	PUNCT
ajis02-327	83	144	•	•	NOUN
ajis02-327	83	145	aggregate	aggregate	ADJ
ajis02-327	83	146	buyer	buyer	NOUN
ajis02-327	83	147	demand	demand	NOUN
ajis02-327	83	148	or	or	CCONJ
ajis02-327	83	149	seller	seller	NOUN
ajis02-327	83	150	products	product	NOUN
ajis02-327	83	151	to	to	PART
ajis02-327	83	152	achieve	achieve	VERB
ajis02-327	83	153	economies	economy	NOUN
ajis02-327	83	154	of	of	ADP
ajis02-327	83	155	scale	scale	NOUN
ajis02-327	83	156	or	or	CCONJ
ajis02-327	83	157	scope	scope	NOUN
ajis02-327	83	158	and	and	CCONJ
ajis02-327	83	159	to	to	PART
ajis02-327	83	160	reduce	reduce	VERB
ajis02-327	83	161	bargaining	bargaining	NOUN
ajis02-327	83	162	asymmetry	asymmetry	NOUN
ajis02-327	83	163	•	•	NOUN
ajis02-327	83	164	protect	protect	NOUN
ajis02-327	83	165	buyers	buyer	NOUN
ajis02-327	83	166	and	and	CCONJ
ajis02-327	83	167	sellers	seller	NOUN
ajis02-327	83	168	from	from	ADP
ajis02-327	83	169	opportunistic	opportunistic	ADJ
ajis02-327	83	170	behaviour	behaviour	NOUN
ajis02-327	83	171	of	of	ADP
ajis02-327	83	172	other	other	ADJ
ajis02-327	83	173	participants	participant	NOUN
ajis02-327	83	174	in	in	ADP
ajis02-327	83	175	a	a	DET
ajis02-327	83	176	market	market	NOUN
ajis02-327	83	177	by	by	ADP
ajis02-327	83	178	becoming	become	VERB
ajis02-327	83	179	an	an	DET
ajis02-327	83	180	agent	agent	NOUN
ajis02-327	83	181	of	of	ADP
ajis02-327	83	182	trust	trust	NOUN
ajis02-327	83	183	•	•	ADP
ajis02-327	83	184	provide	provide	VERB
ajis02-327	83	185	marketing	marketing	NOUN
ajis02-327	83	186	information	information	NOUN
ajis02-327	83	187	to	to	ADP
ajis02-327	83	188	suppliers	supplier	NOUN
ajis02-327	83	189	•	•	ADV
ajis02-327	83	190	facilitate	facilitate	VERB
ajis02-327	83	191	the	the	DET
ajis02-327	83	192	market	market	NOUN
ajis02-327	83	193	by	by	ADP
ajis02-327	83	194	reducing	reduce	VERB
ajis02-327	83	195	operating	operating	NOUN
ajis02-327	83	196	costs	cost	NOUN
ajis02-327	83	197	•	•	NUM
ajis02-327	83	198	match	match	NOUN
ajis02-327	83	199	buyers	buyer	NOUN
ajis02-327	83	200	and	and	CCONJ
ajis02-327	83	201	suppliers	supplier	NOUN
ajis02-327	83	202	with	with	ADP
ajis02-327	83	203	the	the	DET
ajis02-327	83	204	advancement	advancement	NOUN
ajis02-327	83	205	of	of	ADP
ajis02-327	83	206	multidimensional	multidimensional	ADJ
ajis02-327	83	207	functions	function	NOUN
ajis02-327	83	208	as	as	SCONJ
ajis02-327	83	209	added	add	VERB
ajis02-327	83	210	value	value	NOUN
ajis02-327	83	211	intermediaries	intermediary	NOUN
ajis02-327	83	212	provide	provide	VERB
ajis02-327	83	213	hi	hi	INTJ
ajis02-327	83	214	an	an	DET
ajis02-327	83	215	industry	industry	NOUN
ajis02-327	83	216	value	value	NOUN
ajis02-327	83	217	system	system	NOUN
ajis02-327	83	218	,	,	PUNCT
ajis02-327	83	219	a	a	DET
ajis02-327	83	220	more	more	ADJ
ajis02-327	83	221	in	in	ADP
ajis02-327	83	222	-	-	PUNCT
ajis02-327	83	223	depth	depth	NOUN
ajis02-327	83	224	analysis	analysis	NOUN
ajis02-327	83	225	and	and	CCONJ
ajis02-327	83	226	understanding	understanding	NOUN
ajis02-327	83	227	is	be	AUX
ajis02-327	83	228	needed	need	VERB
ajis02-327	83	229	to	to	PART
ajis02-327	83	230	understand	understand	VERB
ajis02-327	83	231	how	how	SCONJ
ajis02-327	83	232	electronic	electronic	ADJ
ajis02-327	83	233	markets	market	NOUN
ajis02-327	83	234	can	can	AUX
ajis02-327	83	235	lower	lower	VERB
ajis02-327	83	236	transaction	transaction	NOUN
ajis02-327	83	237	costs	cost	NOUN
ajis02-327	83	238	and	and	CCONJ
ajis02-327	83	239	support	support	NOUN
ajis02-327	83	240	value	value	NOUN
ajis02-327	83	241	adding	add	VERB
ajis02-327	83	242	functions	function	NOUN
ajis02-327	83	243	previously	previously	ADV
ajis02-327	83	244	provided	provide	VERB
ajis02-327	83	245	by	by	ADP
ajis02-327	83	246	market	market	NOUN
ajis02-327	83	247	intermediaries	intermediary	NOUN
ajis02-327	83	248	,	,	PUNCT
ajis02-327	83	249	or	or	CCONJ
ajis02-327	83	250	the	the	DET
ajis02-327	83	251	possibility	possibility	NOUN
ajis02-327	83	252	that	that	SCONJ
ajis02-327	83	253	new	new	ADJ
ajis02-327	83	254	intermediary	intermediary	ADJ
ajis02-327	83	255	roles	role	NOUN
ajis02-327	83	256	and	and	CCONJ
ajis02-327	83	257	value	value	NOUN
ajis02-327	83	258	added	add	VERB
ajis02-327	83	259	functions	function	NOUN
ajis02-327	83	260	will	will	AUX
ajis02-327	83	261	emerge	emerge	VERB
ajis02-327	83	262	for	for	ADP
ajis02-327	83	263	market	market	NOUN
ajis02-327	83	264	participants	participant	NOUN
ajis02-327	83	265	.	.	PUNCT
ajis02-327	84	1	sarkar	sarkar	PROPN
ajis02-327	84	2	,	,	PUNCT
ajis02-327	84	3	butler	butler	PROPN
ajis02-327	84	4	and	and	CCONJ
ajis02-327	84	5	steinfield	steinfield	NOUN
ajis02-327	84	6	suggested	suggest	VERB
ajis02-327	84	7	"	"	PUNCT
ajis02-327	84	8	...	...	PUNCT
ajis02-327	84	9	not	not	PART
ajis02-327	84	10	only	only	ADV
ajis02-327	84	11	is	be	AUX
ajis02-327	84	12	it	it	PRON
ajis02-327	84	13	likely	likely	ADJ
ajis02-327	84	14	that	that	SCONJ
ajis02-327	84	15	widely	widely	ADV
ajis02-327	84	16	available	available	ADJ
ajis02-327	84	17	information	information	NOUN
ajis02-327	84	18	infrastructures	infrastructure	NOUN
ajis02-327	84	19	will	will	AUX
ajis02-327	84	20	reinforce	reinforce	VERB
ajis02-327	84	21	the	the	DET
ajis02-327	84	22	position	position	NOUN
ajis02-327	84	23	of	of	ADP
ajis02-327	84	24	traditional	traditional	ADJ
ajis02-327	84	25	intermediaries	intermediary	NOUN
ajis02-327	84	26	but	but	CCONJ
ajis02-327	84	27	the	the	DET
ajis02-327	84	28	networks	network	NOUN
ajis02-327	84	29	will	will	AUX
ajis02-327	84	30	also	also	ADV
ajis02-327	84	31	promote	promote	VERB
ajis02-327	84	32	the	the	DET
ajis02-327	84	33	growth	growth	NOUN
ajis02-327	84	34	of	of	ADP
ajis02-327	84	35	a	a	DET
ajis02-327	84	36	new	new	ADJ
ajis02-327	84	37	generation	generation	NOUN
ajis02-327	84	38	of	of	ADP
ajis02-327	84	39	intermediaries	intermediary	NOUN
ajis02-327	84	40	"	"	PUNCT
ajis02-327	84	41	(	(	PUNCT
ajis02-327	84	42	1995	1995	NUM
ajis02-327	84	43	,	,	PUNCT
ajis02-327	84	44	1	1	NUM
ajis02-327	84	45	)	)	PUNCT
ajis02-327	84	46	.	.	PUNCT
ajis02-327	85	1	24	24	NUM
ajis02-327	85	2	ajis	ajis	PROPN
ajis02-327	85	3	special	special	PROPN
ajis02-327	85	4	edition	edition	NOUN
ajis02-327	85	5	electronic	electronic	PROPN
ajis02-327	85	6	commerce	commerce	PROPN
ajis02-327	85	7	november	november	PROPN
ajis02-327	85	8	1998	1998	NUM
ajis02-327	85	9	sarkar	sarkar	PROPN
ajis02-327	85	10	,	,	PUNCT
ajis02-327	85	11	butler	butler	NOUN
ajis02-327	85	12	and	and	CCONJ
ajis02-327	85	13	steinfield	steinfield	NOUN
ajis02-327	85	14	argued	argue	VERB
ajis02-327	85	15	intermediation	intermediation	NOUN
ajis02-327	85	16	will	will	AUX
ajis02-327	85	17	continue	continue	VERB
ajis02-327	85	18	to	to	PART
ajis02-327	85	19	provide	provide	VERB
ajis02-327	85	20	a	a	DET
ajis02-327	85	21	valuable	valuable	ADJ
ajis02-327	85	22	role	role	NOUN
ajis02-327	85	23	in	in	ADP
ajis02-327	85	24	industry	industry	NOUN
ajis02-327	85	25	value	value	NOUN
ajis02-327	85	26	systems	system	NOUN
ajis02-327	85	27	,	,	PUNCT
ajis02-327	85	28	and	and	CCONJ
ajis02-327	85	29	their	their	PRON
ajis02-327	85	30	analysis	analysis	NOUN
ajis02-327	85	31	suggested	suggest	VERB
ajis02-327	85	32	electronic	electronic	ADJ
ajis02-327	85	33	markets	market	NOUN
ajis02-327	85	34	can	can	AUX
ajis02-327	85	35	lead	lead	VERB
ajis02-327	85	36	to	to	ADP
ajis02-327	85	37	four	four	NUM
ajis02-327	85	38	possible	possible	ADJ
ajis02-327	85	39	outcomes	outcome	NOUN
ajis02-327	85	40	(	(	PUNCT
ajis02-327	85	41	figure	figure	NOUN
ajis02-327	85	42	4.3	4.3	NUM
ajis02-327	85	43	):	):	PUNCT
ajis02-327	85	44	a	a	DET
ajis02-327	85	45	reinforcement	reinforcement	NOUN
ajis02-327	85	46	of	of	ADP
ajis02-327	85	47	existing	exist	VERB
ajis02-327	85	48	direct	direct	ADJ
ajis02-327	85	49	producer	producer	NOUN
ajis02-327	85	50	to	to	ADP
ajis02-327	85	51	consumer	consumer	NOUN
ajis02-327	85	52	links	link	NOUN
ajis02-327	85	53	,	,	PUNCT
ajis02-327	85	54	the	the	DET
ajis02-327	85	55	use	use	NOUN
ajis02-327	85	56	of	of	ADP
ajis02-327	85	57	an	an	DET
ajis02-327	85	58	electronic	electronic	ADJ
ajis02-327	85	59	market	market	NOUN
ajis02-327	85	60	by	by	ADP
ajis02-327	85	61	producers	producer	NOUN
ajis02-327	85	62	to	to	PART
ajis02-327	85	63	bypass	bypass	VERB
ajis02-327	85	64	intermediaries	intermediary	NOUN
ajis02-327	85	65	and	and	CCONJ
ajis02-327	85	66	link	link	VERB
ajis02-327	85	67	directly	directly	ADV
ajis02-327	85	68	to	to	ADP
ajis02-327	85	69	consumers	consumer	NOUN
ajis02-327	85	70	,	,	PUNCT
ajis02-327	85	71	a	a	DET
ajis02-327	85	72	reinforcement	reinforcement	NOUN
ajis02-327	85	73	of	of	ADP
ajis02-327	85	74	existing	exist	VERB
ajis02-327	85	75	intermediary	intermediary	ADJ
ajis02-327	85	76	structures	structure	NOUN
ajis02-327	85	77	,	,	PUNCT
ajis02-327	85	78	or	or	CCONJ
ajis02-327	85	79	the	the	DET
ajis02-327	85	80	emergence	emergence	NOUN
ajis02-327	85	81	of	of	ADP
ajis02-327	85	82	new	new	ADJ
ajis02-327	85	83	electronic	electronic	ADJ
ajis02-327	85	84	market	market	NOUN
ajis02-327	85	85	based	base	VERB
ajis02-327	85	86	intermediaries	intermediary	NOUN
ajis02-327	85	87	(	(	PUNCT
ajis02-327	85	88	1995	1995	NUM
ajis02-327	85	89	)	)	PUNCT
ajis02-327	85	90	.	.	PUNCT
ajis02-327	86	1	the	the	DET
ajis02-327	86	2	four	four	NUM
ajis02-327	86	3	outcomes	outcome	NOUN
ajis02-327	86	4	model	model	NOUN
ajis02-327	86	5	(	(	PUNCT
ajis02-327	86	6	figure	figure	NOUN
ajis02-327	86	7	4.3	4.3	NUM
ajis02-327	86	8	)	)	PUNCT
ajis02-327	86	9	is	be	AUX
ajis02-327	86	10	based	base	VERB
ajis02-327	86	11	on	on	ADP
ajis02-327	86	12	transaction	transaction	NOUN
ajis02-327	86	13	costs	cost	NOUN
ajis02-327	86	14	and	and	CCONJ
ajis02-327	86	15	intermediary	intermediary	ADJ
ajis02-327	86	16	value	value	NOUN
ajis02-327	86	17	(	(	PUNCT
ajis02-327	86	18	figure	figure	NOUN
ajis02-327	86	19	4.2	4.2	NUM
ajis02-327	86	20	)	)	PUNCT
ajis02-327	86	21	.	.	PUNCT
ajis02-327	87	1	tkt2+t3	tkt2+t3	PROPN
ajis02-327	87	2	pre	pre	ADJ
ajis02-327	87	3	-	-	ADJ
ajis02-327	87	4	electronic	electronic	ADJ
ajis02-327	87	5	market	market	NOUN
ajis02-327	87	6	t1	t1	NOUN
ajis02-327	87	7	>	>	X
ajis02-327	87	8	t2+t3	t2+t3	PROPN
ajis02-327	87	9	tkt2+t3	tkt2+t3	ADJ
ajis02-327	87	10	post	post	ADJ
ajis02-327	87	11	-	-	ADJ
ajis02-327	87	12	electronic	electronic	ADJ
ajis02-327	87	13	market	market	NOUN
ajis02-327	87	14	t1	t1	NOUN
ajis02-327	87	15	>	>	X
ajis02-327	87	16	t2+t3	t2+t3	PROPN
ajis02-327	87	17	i.	i.	NOUN
ajis02-327	87	18	electronic	electronic	ADJ
ajis02-327	87	19	market	market	NOUN
ajis02-327	87	20	supplemented	supplement	VERB
ajis02-327	87	21	direct	direct	ADJ
ajis02-327	87	22	market	market	NOUN
ajis02-327	87	23	m.	m.	NOUN
ajis02-327	87	24	cybermediaries	cybermediarie	NOUN
ajis02-327	87	25	n.	n.	PROPN
ajis02-327	87	26	threatened	threaten	VERB
ajis02-327	87	27	intermediaries	intermediary	NOUN
ajis02-327	87	28	rv	rv	PROPN
ajis02-327	87	29	.	.	PUNCT
ajis02-327	87	30	electronic	electronic	ADJ
ajis02-327	87	31	market	market	NOUN
ajis02-327	87	32	supplemented	supplement	VERB
ajis02-327	87	33	intermediaries	intermediary	NOUN
ajis02-327	87	34	figure	figure	VERB
ajis02-327	87	35	3	3	NUM
ajis02-327	87	36	electronic	electronic	ADJ
ajis02-327	87	37	market	market	NOUN
ajis02-327	87	38	intermediary	intermediary	NOUN
ajis02-327	87	39	outcomes	outcome	NOUN
ajis02-327	87	40	source	source	NOUN
ajis02-327	87	41	:	:	PUNCT
ajis02-327	87	42	adapted	adapt	VERB
ajis02-327	87	43	from	from	ADP
ajis02-327	87	44	sarkar	sarkar	PROPN
ajis02-327	87	45	,	,	PUNCT
ajis02-327	87	46	mirtra	mirtra	PROPN
ajis02-327	87	47	b.	b.	PROPN
ajis02-327	87	48	,	,	PUNCT
ajis02-327	87	49	brian	brian	PROPN
ajis02-327	87	50	butler	butler	PROPN
ajis02-327	87	51	and	and	CCONJ
ajis02-327	87	52	charles	charles	PROPN
ajis02-327	87	53	steinfield	steinfield	PROPN
ajis02-327	87	54	(	(	PUNCT
ajis02-327	87	55	1995	1995	NUM
ajis02-327	87	56	):	):	PUNCT
ajis02-327	87	57	"	"	PUNCT
ajis02-327	87	58	intermediaries	intermediary	NOUN
ajis02-327	87	59	and	and	CCONJ
ajis02-327	87	60	cybermediaries	cybermediarie	NOUN
ajis02-327	87	61	:	:	PUNCT
ajis02-327	87	62	a	a	DET
ajis02-327	87	63	continuing	continue	VERB
ajis02-327	87	64	role	role	NOUN
ajis02-327	87	65	for	for	ADP
ajis02-327	87	66	mediating	mediate	VERB
ajis02-327	87	67	players	player	NOUN
ajis02-327	87	68	in	in	ADP
ajis02-327	87	69	the	the	DET
ajis02-327	87	70	electronic	electronic	ADJ
ajis02-327	87	71	marketplace	marketplace	NOUN
ajis02-327	87	72	"	"	PUNCT
ajis02-327	87	73	,	,	PUNCT
ajis02-327	87	74	journal	journal	NOUN
ajis02-327	87	75	of	of	ADP
ajis02-327	87	76	computer	computer	NOUN
ajis02-327	87	77	mediated	mediate	VERB
ajis02-327	87	78	-	-	PUNCT
ajis02-327	87	79	communication	communication	NOUN
ajis02-327	87	80	.	.	PUNCT
ajis02-327	88	1	3	3	NUM
ajis02-327	88	2	,	,	PUNCT
ajis02-327	88	3	1	1	NUM
ajis02-327	88	4	-	-	SYM
ajis02-327	88	5	17	17	NUM
ajis02-327	88	6	[	[	X
ajis02-327	88	7	url	url	NOUN
ajis02-327	88	8	:	:	PUNCT
ajis02-327	88	9	http://jcmc.huji.ac.il/	http://jcmc.huji.ac.il/	SYM
ajis02-327	88	10	]	]	X
ajis02-327	88	11	an	an	DET
ajis02-327	88	12	interesting	interesting	ADJ
ajis02-327	88	13	possible	possible	ADJ
ajis02-327	88	14	outcome	outcome	NOUN
ajis02-327	88	15	was	be	AUX
ajis02-327	88	16	noted	note	VERB
ajis02-327	88	17	in	in	ADP
ajis02-327	88	18	which	which	PRON
ajis02-327	88	19	scenario	scenario	NOUN
ajis02-327	88	20	iii	iii	NOUN
ajis02-327	88	21	would	would	AUX
ajis02-327	88	22	occur	occur	VERB
ajis02-327	88	23	where	where	SCONJ
ajis02-327	88	24	a	a	DET
ajis02-327	88	25	pre	pre	ADJ
ajis02-327	88	26	-	-	ADJ
ajis02-327	88	27	electronic	electronic	ADJ
ajis02-327	88	28	market	market	NOUN
ajis02-327	88	29	structure	structure	NOUN
ajis02-327	88	30	consisted	consist	VERB
ajis02-327	88	31	of	of	ADP
ajis02-327	88	32	direct	direct	ADJ
ajis02-327	88	33	relationships	relationship	NOUN
ajis02-327	88	34	but	but	CCONJ
ajis02-327	88	35	in	in	ADP
ajis02-327	88	36	a	a	DET
ajis02-327	88	37	post	post	ADJ
ajis02-327	88	38	-	-	ADJ
ajis02-327	88	39	electronic	electronic	ADJ
ajis02-327	88	40	market	market	NOUN
ajis02-327	88	41	the	the	DET
ajis02-327	88	42	emergence	emergence	NOUN
ajis02-327	88	43	of	of	ADP
ajis02-327	88	44	cybermediaries	cybermediarie	NOUN
ajis02-327	88	45	occurred	occur	VERB
ajis02-327	88	46	to	to	PART
ajis02-327	88	47	take	take	VERB
ajis02-327	88	48	advantage	advantage	NOUN
ajis02-327	88	49	of	of	ADP
ajis02-327	88	50	electronic	electronic	ADJ
ajis02-327	88	51	market	market	NOUN
ajis02-327	88	52	opportunities	opportunity	NOUN
ajis02-327	88	53	(	(	PUNCT
ajis02-327	88	54	sarkar	sarkar	NOUN
ajis02-327	88	55	,	,	PUNCT
ajis02-327	88	56	butler	butler	NOUN
ajis02-327	88	57	and	and	CCONJ
ajis02-327	88	58	steinfield	steinfield	NOUN
ajis02-327	88	59	1995	1995	NUM
ajis02-327	88	60	)	)	PUNCT
ajis02-327	88	61	.	.	PUNCT
ajis02-327	89	1	the	the	DET
ajis02-327	89	2	ability	ability	NOUN
ajis02-327	89	3	to	to	PART
ajis02-327	89	4	link	link	VERB
ajis02-327	89	5	directly	directly	ADV
ajis02-327	89	6	with	with	ADP
ajis02-327	89	7	consumers	consumer	NOUN
ajis02-327	89	8	not	not	PART
ajis02-327	89	9	only	only	ADV
ajis02-327	89	10	has	have	VERB
ajis02-327	89	11	the	the	DET
ajis02-327	89	12	potential	potential	NOUN
ajis02-327	89	13	to	to	PART
ajis02-327	89	14	threaten	threaten	VERB
ajis02-327	89	15	intermediaries	intermediary	NOUN
ajis02-327	89	16	,	,	PUNCT
ajis02-327	89	17	it	it	PRON
ajis02-327	89	18	also	also	ADV
ajis02-327	89	19	has	have	VERB
ajis02-327	89	20	the	the	DET
ajis02-327	89	21	potential	potential	NOUN
ajis02-327	89	22	to	to	PART
ajis02-327	89	23	negatively	negatively	ADV
ajis02-327	89	24	impact	impact	VERB
ajis02-327	89	25	sellers	seller	NOUN
ajis02-327	89	26	.	.	PUNCT
ajis02-327	90	1	formal	formal	ADJ
ajis02-327	90	2	support	support	NOUN
ajis02-327	90	3	for	for	ADP
ajis02-327	90	4	this	this	DET
ajis02-327	90	5	claim	claim	NOUN
ajis02-327	90	6	has	have	AUX
ajis02-327	90	7	been	be	AUX
ajis02-327	90	8	developed	develop	VERB
ajis02-327	90	9	(	(	PUNCT
ajis02-327	90	10	bakes	bake	NOUN
ajis02-327	90	11	1996	1996	NUM
ajis02-327	90	12	,	,	PUNCT
ajis02-327	90	13	1991	1991	NUM
ajis02-327	90	14	)	)	PUNCT
ajis02-327	90	15	,	,	PUNCT
ajis02-327	90	16	with	with	ADP
ajis02-327	90	17	potential	potential	ADJ
ajis02-327	90	18	impacts	impact	NOUN
ajis02-327	90	19	including	include	VERB
ajis02-327	90	20	:	:	PUNCT
ajis02-327	90	21	•	•	NUM
ajis02-327	90	22	promotion	promotion	NOUN
ajis02-327	90	23	of	of	ADP
ajis02-327	90	24	price	price	NOUN
ajis02-327	90	25	competition	competition	NOUN
ajis02-327	90	26	•	•	NOUN
ajis02-327	90	27	reduction	reduction	NOUN
ajis02-327	90	28	in	in	ADP
ajis02-327	90	29	market	market	NOUN
ajis02-327	90	30	power	power	NOUN
ajis02-327	90	31	of	of	ADP
ajis02-327	90	32	sellers	seller	NOUN
ajis02-327	90	33	•	•	VERB
ajis02-327	90	34	passage	passage	NOUN
ajis02-327	90	35	of	of	ADP
ajis02-327	90	36	system	system	NOUN
ajis02-327	90	37	benefits	benefit	NOUN
ajis02-327	90	38	from	from	ADP
ajis02-327	90	39	sellers	seller	NOUN
ajis02-327	90	40	to	to	ADP
ajis02-327	90	41	buyers	buyer	NOUN
ajis02-327	90	42	•	•	ADP
ajis02-327	90	43	creation	creation	NOUN
ajis02-327	90	44	of	of	ADP
ajis02-327	90	45	more	more	ADV
ajis02-327	90	46	demanding	demanding	ADJ
ajis02-327	90	47	customers	customer	NOUN
ajis02-327	90	48	less	less	ADV
ajis02-327	90	49	likely	likely	ADJ
ajis02-327	90	50	to	to	PART
ajis02-327	90	51	compromise	compromise	VERB
ajis02-327	90	52	on	on	ADP
ajis02-327	90	53	preferred	preferred	ADJ
ajis02-327	90	54	products	product	NOUN
ajis02-327	90	55	/	/	SYM
ajis02-327	90	56	services	service	NOUN
ajis02-327	90	57	academic	academic	ADJ
ajis02-327	90	58	researchers	researcher	NOUN
ajis02-327	90	59	have	have	AUX
ajis02-327	90	60	suggested	suggest	VERB
ajis02-327	90	61	the	the	DET
ajis02-327	90	62	following	following	ADJ
ajis02-327	90	63	strategies	strategy	NOUN
ajis02-327	90	64	and	and	CCONJ
ajis02-327	90	65	suggestions	suggestion	NOUN
ajis02-327	90	66	to	to	PART
ajis02-327	90	67	anticipate	anticipate	VERB
ajis02-327	90	68	and	and	CCONJ
ajis02-327	90	69	respond	respond	VERB
ajis02-327	90	70	to	to	ADP
ajis02-327	90	71	the	the	DET
ajis02-327	90	72	negative	negative	ADJ
ajis02-327	90	73	impacts	impact	NOUN
ajis02-327	90	74	of	of	ADP
ajis02-327	90	75	electronic	electronic	ADJ
ajis02-327	90	76	markets	market	NOUN
ajis02-327	90	77	(	(	PUNCT
ajis02-327	90	78	bakos	bakos	NOUN
ajis02-327	90	79	1996,1991	1996,1991	NUM
ajis02-327	90	80	,	,	PUNCT
ajis02-327	90	81	1991	1991	NUM
ajis02-327	90	82	b	b	NOUN
ajis02-327	90	83	;	;	PUNCT
ajis02-327	90	84	malone	malone	PROPN
ajis02-327	90	85	,	,	PUNCT
ajis02-327	90	86	yates	yates	PROPN
ajis02-327	90	87	and	and	CCONJ
ajis02-327	90	88	benjamin	benjamin	PROPN
ajis02-327	90	89	1987,496	1987,496	PROPN
ajis02-327	90	90	-	-	SYM
ajis02-327	90	91	497	497	NUM
ajis02-327	90	92	):	):	PUNCT
ajis02-327	91	1	•	•	NUM
ajis02-327	91	2	seller	seller	NOUN
ajis02-327	91	3	control	control	NOUN
ajis02-327	91	4	of	of	ADP
ajis02-327	91	5	the	the	DET
ajis02-327	91	6	type	type	NOUN
ajis02-327	91	7	of	of	ADP
ajis02-327	91	8	system	system	NOUN
ajis02-327	91	9	introduced	introduce	VERB
ajis02-327	91	10	•	•	NUM
ajis02-327	91	11	development	development	NOUN
ajis02-327	91	12	of	of	ADP
ajis02-327	91	13	a	a	DET
ajis02-327	91	14	system	system	NOUN
ajis02-327	91	15	that	that	PRON
ajis02-327	91	16	emphasises	emphasise	VERB
ajis02-327	91	17	product	product	NOUN
ajis02-327	91	18	information	information	NOUN
ajis02-327	91	19	not	not	PART
ajis02-327	91	20	price	price	VERB
ajis02-327	91	21	information	information	NOUN
ajis02-327	91	22	•	•	ADP
ajis02-327	91	23	obtain	obtain	VERB
ajis02-327	91	24	early	early	ADJ
ajis02-327	91	25	mover	mover	NOUN
ajis02-327	91	26	advantage	advantage	NOUN
ajis02-327	91	27	to	to	PART
ajis02-327	91	28	establish	establish	VERB
ajis02-327	91	29	market	market	NOUN
ajis02-327	91	30	leadership	leadership	NOUN
ajis02-327	91	31	and	and	CCONJ
ajis02-327	91	32	obtain	obtain	VERB
ajis02-327	91	33	large	large	ADJ
ajis02-327	91	34	market	market	NOUN
ajis02-327	91	35	share	share	NOUN
ajis02-327	91	36	•	•	NOUN
ajis02-327	91	37	increase	increase	NOUN
ajis02-327	91	38	product	product	NOUN
ajis02-327	91	39	/	/	SYM
ajis02-327	91	40	service	service	NOUN
ajis02-327	91	41	differentiation	differentiation	NOUN
ajis02-327	91	42	to	to	PART
ajis02-327	91	43	make	make	VERB
ajis02-327	91	44	it	it	PRON
ajis02-327	91	45	difficult	difficult	ADJ
ajis02-327	91	46	for	for	SCONJ
ajis02-327	91	47	buyers	buyer	NOUN
ajis02-327	91	48	to	to	PART
ajis02-327	91	49	compare	compare	VERB
ajis02-327	91	50	prices	price	NOUN
ajis02-327	91	51	and	and	CCONJ
ajis02-327	91	52	product	product	NOUN
ajis02-327	91	53	offerings	offering	NOUN
ajis02-327	91	54	(	(	PUNCT
ajis02-327	91	55	also	also	ADV
ajis02-327	91	56	increases	increase	VERB
ajis02-327	91	57	buyer	buyer	NOUN
ajis02-327	91	58	search	search	NOUN
ajis02-327	91	59	costs	cost	NOUN
ajis02-327	91	60	)	)	PUNCT
ajis02-327	91	61	•	•	NUM
ajis02-327	91	62	sellers	seller	NOUN
ajis02-327	91	63	or	or	CCONJ
ajis02-327	91	64	developers	developer	NOUN
ajis02-327	91	65	of	of	ADP
ajis02-327	91	66	electronic	electronic	ADJ
ajis02-327	91	67	markets	market	NOUN
ajis02-327	91	68	should	should	AUX
ajis02-327	91	69	not	not	PART
ajis02-327	91	70	expect	expect	VERB
ajis02-327	91	71	indefinite	indefinite	ADJ
ajis02-327	91	72	competitive	competitive	ADJ
ajis02-327	91	73	advantages	advantage	NOUN
ajis02-327	91	74	from	from	ADP
ajis02-327	91	75	the	the	DET
ajis02-327	91	76	system	system	NOUN
ajis02-327	91	77	•	•	ADV
ajis02-327	91	78	improve	improve	VERB
ajis02-327	91	79	underlying	underlie	VERB
ajis02-327	91	80	economies	economy	NOUN
ajis02-327	91	81	of	of	ADP
ajis02-327	91	82	scale	scale	NOUN
ajis02-327	91	83	by	by	ADP
ajis02-327	91	84	leveraging	leverage	VERB
ajis02-327	91	85	development	development	NOUN
ajis02-327	91	86	expertise	expertise	NOUN
ajis02-327	91	87	,	,	PUNCT
ajis02-327	91	88	installed	instal	VERB
ajis02-327	91	89	networks	network	NOUN
ajis02-327	91	90	,	,	PUNCT
ajis02-327	91	91	customer	customer	NOUN
ajis02-327	91	92	bases	basis	NOUN
ajis02-327	91	93	and	and	CCONJ
ajis02-327	91	94	proprietary	proprietary	ADJ
ajis02-327	91	95	databases	database	NOUN
ajis02-327	91	96	•	•	ADV
ajis02-327	91	97	assess	assess	VERB
ajis02-327	91	98	the	the	DET
ajis02-327	91	99	point	point	NOUN
ajis02-327	91	100	of	of	ADP
ajis02-327	91	101	customer	customer	NOUN
ajis02-327	91	102	contact	contact	NOUN
ajis02-327	91	103	to	to	PART
ajis02-327	91	104	determine	determine	VERB
ajis02-327	91	105	its	its	PRON
ajis02-327	91	106	ability	ability	NOUN
ajis02-327	91	107	to	to	PART
ajis02-327	91	108	serve	serve	VERB
ajis02-327	91	109	as	as	ADP
ajis02-327	91	110	a	a	DET
ajis02-327	91	111	critical	critical	ADJ
ajis02-327	91	112	resource	resource	NOUN
ajis02-327	91	113	to	to	PART
ajis02-327	91	114	determine	determine	VERB
ajis02-327	91	115	electronic	electronic	ADJ
ajis02-327	91	116	market	market	NOUN
ajis02-327	91	117	benefits	benefit	NOUN
ajis02-327	91	118	,	,	PUNCT
ajis02-327	91	119	participation	participation	NOUN
ajis02-327	91	120	and	and	CCONJ
ajis02-327	91	121	sustainability	sustainability	NOUN
ajis02-327	91	122	of	of	ADP
ajis02-327	91	123	profits	profit	NOUN
ajis02-327	91	124	with	with	ADP
ajis02-327	91	125	the	the	DET
ajis02-327	91	126	emergence	emergence	NOUN
ajis02-327	91	127	of	of	ADP
ajis02-327	91	128	such	such	ADJ
ajis02-327	91	129	proposed	propose	VERB
ajis02-327	91	130	negative	negative	ADJ
ajis02-327	91	131	impacts	impact	NOUN
ajis02-327	91	132	of	of	ADP
ajis02-327	91	133	electronic	electronic	ADJ
ajis02-327	91	134	markets	market	NOUN
ajis02-327	91	135	on	on	ADP
ajis02-327	91	136	sellers	seller	NOUN
ajis02-327	91	137	and	and	CCONJ
ajis02-327	91	138	intermediaries	intermediary	NOUN
ajis02-327	91	139	,	,	PUNCT
ajis02-327	91	140	researchers	researcher	NOUN
ajis02-327	91	141	have	have	AUX
ajis02-327	91	142	questioned	question	VERB
ajis02-327	91	143	the	the	DET
ajis02-327	91	144	motives	motive	NOUN
ajis02-327	91	145	for	for	ADP
ajis02-327	91	146	organisations	organisation	NOUN
ajis02-327	91	147	and	and	CCONJ
ajis02-327	91	148	individuals	individual	NOUN
ajis02-327	91	149	to	to	PART
ajis02-327	91	150	establish	establish	VERB
ajis02-327	91	151	such	such	ADJ
ajis02-327	91	152	markets	market	NOUN
ajis02-327	91	153	.	.	PUNCT
ajis02-327	92	1	the	the	DET
ajis02-327	92	2	theory	theory	NOUN
ajis02-327	92	3	of	of	ADP
ajis02-327	92	4	the	the	DET
ajis02-327	92	5	prisoner	prisoner	NOUN
ajis02-327	92	6	's	's	PART
ajis02-327	92	7	dilemma	dilemma	NOUN
ajis02-327	92	8	that	that	SCONJ
ajis02-327	92	9	sellers	seller	NOUN
ajis02-327	92	10	as	as	ADP
ajis02-327	92	11	a	a	DET
ajis02-327	92	12	group	group	NOUN
ajis02-327	92	13	do	do	AUX
ajis02-327	92	14	not	not	PART
ajis02-327	92	15	benefit	benefit	VERB
ajis02-327	92	16	from	from	ADP
ajis02-327	92	17	an	an	DET
ajis02-327	92	18	electronic	electronic	ADJ
ajis02-327	92	19	market	market	NOUN
ajis02-327	92	20	system	system	NOUN
ajis02-327	92	21	,	,	PUNCT
ajis02-327	92	22	but	but	CCONJ
ajis02-327	92	23	as	as	ADP
ajis02-327	92	24	individuals	individual	NOUN
ajis02-327	92	25	the	the	DET
ajis02-327	92	26	revenues	revenue	NOUN
ajis02-327	92	27	that	that	PRON
ajis02-327	92	28	can	can	AUX
ajis02-327	92	29	be	be	AUX
ajis02-327	92	30	generated	generate	VERB
ajis02-327	92	31	from	from	ADP
ajis02-327	92	32	such	such	DET
ajis02-327	92	33	a	a	DET
ajis02-327	92	34	system	system	NOUN
ajis02-327	92	35	can	can	AUX
ajis02-327	92	36	be	be	AUX
ajis02-327	92	37	beneficial	beneficial	ADJ
ajis02-327	92	38	and	and	CCONJ
ajis02-327	92	39	outweigh	outweigh	VERB
ajis02-327	92	40	the	the	DET
ajis02-327	92	41	losses	loss	NOUN
ajis02-327	92	42	,	,	PUNCT
ajis02-327	92	43	25	25	NUM
ajis02-327	92	44	ajis	ajis	NOUN
ajis02-327	92	45	special	special	PROPN
ajis02-327	92	46	edition	edition	NOUN
ajis02-327	92	47	electronic	electronic	PROPN
ajis02-327	92	48	commerce	commerce	PROPN
ajis02-327	92	49	november	november	PROPN
ajis02-327	92	50	1998	1998	NUM
ajis02-327	92	51	assists	assist	NOUN
ajis02-327	92	52	in	in	ADP
ajis02-327	92	53	explaining	explain	VERB
ajis02-327	92	54	business	business	NOUN
ajis02-327	92	55	motivations	motivation	NOUN
ajis02-327	92	56	for	for	ADP
ajis02-327	92	57	electronic	electronic	ADJ
ajis02-327	92	58	market	market	NOUN
ajis02-327	92	59	makers	maker	NOUN
ajis02-327	92	60	(	(	PUNCT
ajis02-327	92	61	bakos	bakos	NOUN
ajis02-327	92	62	1991	1991	NUM
ajis02-327	92	63	)	)	PUNCT
ajis02-327	92	64	.	.	PUNCT
ajis02-327	93	1	such	such	ADJ
ajis02-327	93	2	market	market	NOUN
ajis02-327	93	3	makers	maker	NOUN
ajis02-327	93	4	have	have	AUX
ajis02-327	93	5	been	be	AUX
ajis02-327	93	6	suggested	suggest	VERB
ajis02-327	93	7	to	to	PART
ajis02-327	93	8	pursue	pursue	VERB
ajis02-327	93	9	revenue	revenue	NOUN
ajis02-327	93	10	generation	generation	NOUN
ajis02-327	93	11	and	and	CCONJ
ajis02-327	93	12	increased	increase	VERB
ajis02-327	93	13	market	market	NOUN
ajis02-327	93	14	growth	growth	NOUN
ajis02-327	93	15	at	at	ADP
ajis02-327	93	16	the	the	DET
ajis02-327	93	17	expense	expense	NOUN
ajis02-327	93	18	of	of	ADP
ajis02-327	93	19	the	the	DET
ajis02-327	93	20	industry	industry	NOUN
ajis02-327	93	21	as	as	ADP
ajis02-327	93	22	a	a	DET
ajis02-327	93	23	whole	whole	NOUN
ajis02-327	93	24	.	.	PUNCT
ajis02-327	94	1	as	as	SCONJ
ajis02-327	94	2	electronic	electronic	ADJ
ajis02-327	94	3	market	market	NOUN
ajis02-327	94	4	usage	usage	NOUN
ajis02-327	94	5	and	and	CCONJ
ajis02-327	94	6	utilisation	utilisation	NOUN
ajis02-327	94	7	improves	improve	VERB
ajis02-327	94	8	by	by	ADP
ajis02-327	94	9	different	different	ADJ
ajis02-327	94	10	industry	industry	NOUN
ajis02-327	94	11	participants	participant	VERB
ajis02-327	94	12	the	the	DET
ajis02-327	94	13	likelihood	likelihood	NOUN
ajis02-327	94	14	of	of	ADP
ajis02-327	94	15	electronic	electronic	ADJ
ajis02-327	94	16	market	market	NOUN
ajis02-327	94	17	participation	participation	NOUN
ajis02-327	94	18	becoming	become	VERB
ajis02-327	94	19	a	a	DET
ajis02-327	94	20	strategic	strategic	ADJ
ajis02-327	94	21	necessity	necessity	NOUN
ajis02-327	94	22	and	and	CCONJ
ajis02-327	94	23	an	an	DET
ajis02-327	94	24	integral	integral	ADJ
ajis02-327	94	25	part	part	NOUN
ajis02-327	94	26	of	of	ADP
ajis02-327	94	27	industry	industry	NOUN
ajis02-327	94	28	infrastructure	infrastructure	NOUN
ajis02-327	94	29	increases	increase	NOUN
ajis02-327	94	30	(	(	PUNCT
ajis02-327	94	31	bakos	bakos	NOUN
ajis02-327	94	32	1991,308	1991,308	NUM
ajis02-327	94	33	)	)	PUNCT
ajis02-327	94	34	.	.	PUNCT
ajis02-327	95	1	additionally	additionally	ADV
ajis02-327	95	2	,	,	PUNCT
ajis02-327	95	3	market	market	NOUN
ajis02-327	95	4	makers	maker	NOUN
ajis02-327	95	5	often	often	ADV
ajis02-327	95	6	have	have	VERB
ajis02-327	95	7	an	an	DET
ajis02-327	95	8	opportunity	opportunity	NOUN
ajis02-327	95	9	to	to	PART
ajis02-327	95	10	create	create	VERB
ajis02-327	95	11	a	a	DET
ajis02-327	95	12	system	system	NOUN
ajis02-327	95	13	biased	bias	VERB
ajis02-327	95	14	towards	towards	ADP
ajis02-327	95	15	a	a	DET
ajis02-327	95	16	given	give	VERB
ajis02-327	95	17	product	product	NOUN
ajis02-327	95	18	or	or	CCONJ
ajis02-327	95	19	firm	firm	NOUN
ajis02-327	95	20	.	.	PUNCT
ajis02-327	96	1	as	as	SCONJ
ajis02-327	96	2	noted	note	VERB
ajis02-327	96	3	by	by	ADP
ajis02-327	96	4	benjamin	benjamin	PROPN
ajis02-327	96	5	and	and	CCONJ
ajis02-327	96	6	wigand	wigand	PROPN
ajis02-327	96	7	,	,	PUNCT
ajis02-327	96	8	"	"	PUNCT
ajis02-327	96	9	...	...	PUNCT
ajis02-327	96	10	if	if	SCONJ
ajis02-327	96	11	a	a	DET
ajis02-327	96	12	market	market	NOUN
ajis02-327	96	13	maker	maker	NOUN
ajis02-327	96	14	owns	own	VERB
ajis02-327	96	15	or	or	CCONJ
ajis02-327	96	16	has	have	VERB
ajis02-327	96	17	a	a	DET
ajis02-327	96	18	substantial	substantial	ADJ
ajis02-327	96	19	interest	interest	NOUN
ajis02-327	96	20	in	in	ADP
ajis02-327	96	21	any	any	DET
ajis02-327	96	22	suppliers	supplier	NOUN
ajis02-327	96	23	,	,	PUNCT
ajis02-327	96	24	it	it	PRON
ajis02-327	96	25	can	can	AUX
ajis02-327	96	26	bias	bias	VERB
ajis02-327	96	27	the	the	DET
ajis02-327	96	28	market	market	NOUN
ajis02-327	96	29	in	in	ADP
ajis02-327	96	30	their	their	PRON
ajis02-327	96	31	favour	favour	NOUN
ajis02-327	96	32	and	and	CCONJ
ajis02-327	96	33	both	both	DET
ajis02-327	96	34	the	the	DET
ajis02-327	96	35	consumer	consumer	NOUN
ajis02-327	96	36	and	and	CCONJ
ajis02-327	96	37	other	other	ADJ
ajis02-327	96	38	suppliers	supplier	NOUN
ajis02-327	96	39	will	will	AUX
ajis02-327	96	40	be	be	AUX
ajis02-327	96	41	disadvantaged	disadvantage	VERB
ajis02-327	96	42	"	"	PUNCT
ajis02-327	96	43	(	(	PUNCT
ajis02-327	96	44	1995	1995	NUM
ajis02-327	96	45	,	,	PUNCT
ajis02-327	96	46	11	11	NUM
ajis02-327	96	47	)	)	PUNCT
ajis02-327	96	48	.	.	PUNCT
ajis02-327	97	1	benjamin	benjamin	PROPN
ajis02-327	97	2	and	and	CCONJ
ajis02-327	97	3	wigand	wigand	PROPN
ajis02-327	97	4	also	also	ADV
ajis02-327	97	5	suggest	suggest	VERB
ajis02-327	97	6	the	the	DET
ajis02-327	97	7	overall	overall	ADJ
ajis02-327	97	8	market	market	NOUN
ajis02-327	97	9	maker	maker	NOUN
ajis02-327	97	10	effect	effect	NOUN
ajis02-327	97	11	was	be	AUX
ajis02-327	97	12	a	a	DET
ajis02-327	97	13	"	"	PUNCT
ajis02-327	97	14	...	...	PUNCT
ajis02-327	97	15	phenomenon	phenomenon	NOUN
ajis02-327	97	16	in	in	ADP
ajis02-327	97	17	which	which	PRON
ajis02-327	97	18	the	the	DET
ajis02-327	97	19	consumer	consumer	NOUN
ajis02-327	97	20	does	do	VERB
ajis02-327	97	21	very	very	ADV
ajis02-327	97	22	well	well	ADV
ajis02-327	97	23	,	,	PUNCT
ajis02-327	97	24	producers	producer	NOUN
ajis02-327	97	25	lose	lose	VERB
ajis02-327	97	26	their	their	PRON
ajis02-327	97	27	profit	profit	NOUN
ajis02-327	97	28	margins	margin	NOUN
ajis02-327	97	29	,	,	PUNCT
ajis02-327	97	30	and	and	CCONJ
ajis02-327	97	31	the	the	DET
ajis02-327	97	32	market	market	NOUN
ajis02-327	97	33	makers	maker	NOUN
ajis02-327	97	34	gain	gain	VERB
ajis02-327	97	35	the	the	DET
ajis02-327	97	36	remaining	remain	VERB
ajis02-327	97	37	profits	profit	NOUN
ajis02-327	97	38	"	"	PUNCT
ajis02-327	97	39	(	(	PUNCT
ajis02-327	97	40	1995b	1995b	NUM
ajis02-327	97	41	,	,	PUNCT
ajis02-327	97	42	66	66	NUM
ajis02-327	97	43	)	)	PUNCT
ajis02-327	97	44	.	.	PUNCT
ajis02-327	98	1	finally	finally	ADV
ajis02-327	98	2	,	,	PUNCT
ajis02-327	98	3	as	as	SCONJ
ajis02-327	98	4	noted	note	VERB
ajis02-327	98	5	by	by	ADP
ajis02-327	98	6	bailey	bailey	NOUN
ajis02-327	98	7	and	and	CCONJ
ajis02-327	98	8	bakos	bakos	NOUN
ajis02-327	98	9	,	,	PUNCT
ajis02-327	98	10	"	"	PUNCT
ajis02-327	98	11	...	...	PUNCT
ajis02-327	98	12	a	a	DET
ajis02-327	98	13	newer	new	ADJ
ajis02-327	98	14	paradigm	paradigm	NOUN
ajis02-327	98	15	of	of	ADP
ajis02-327	98	16	customised	customised	ADJ
ajis02-327	98	17	goods	good	NOUN
ajis02-327	98	18	,	,	PUNCT
ajis02-327	98	19	reduced	reduce	VERB
ajis02-327	98	20	delivery	delivery	NOUN
ajis02-327	98	21	time	time	NOUN
ajis02-327	98	22	,	,	PUNCT
ajis02-327	98	23	and	and	CCONJ
ajis02-327	98	24	greater	great	ADJ
ajis02-327	98	25	customer	customer	NOUN
ajis02-327	98	26	satisfaction	satisfaction	NOUN
ajis02-327	98	27	may	may	AUX
ajis02-327	98	28	be	be	AUX
ajis02-327	98	29	more	more	ADV
ajis02-327	98	30	difficult	difficult	ADJ
ajis02-327	98	31	to	to	PART
ajis02-327	98	32	measure	measure	VERB
ajis02-327	98	33	,	,	PUNCT
ajis02-327	98	34	but	but	CCONJ
ajis02-327	98	35	may	may	AUX
ajis02-327	98	36	be	be	AUX
ajis02-327	98	37	the	the	DET
ajis02-327	98	38	one	one	NUM
ajis02-327	98	39	appropriate	appropriate	ADJ
ajis02-327	98	40	to	to	PART
ajis02-327	98	41	use	use	VERB
ajis02-327	98	42	for	for	ADP
ajis02-327	98	43	electronic	electronic	ADJ
ajis02-327	98	44	markets	market	NOUN
ajis02-327	98	45	"	"	PUNCT
ajis02-327	98	46	(	(	PUNCT
ajis02-327	98	47	1997,13	1997,13	NUM
ajis02-327	98	48	)	)	PUNCT
ajis02-327	98	49	.	.	PUNCT
ajis02-327	99	1	the	the	DET
ajis02-327	99	2	american	american	PROPN
ajis02-327	99	3	independent	independent	PROPN
ajis02-327	99	4	insurance	insurance	PROPN
ajis02-327	99	5	agency	agency	NOUN
ajis02-327	99	6	system	system	NOUN
ajis02-327	99	7	the	the	DET
ajis02-327	99	8	emergence	emergence	NOUN
ajis02-327	99	9	of	of	ADP
ajis02-327	99	10	independent	independent	ADJ
ajis02-327	99	11	insurance	insurance	NOUN
ajis02-327	99	12	agents	agent	NOUN
ajis02-327	99	13	in	in	ADP
ajis02-327	99	14	the	the	DET
ajis02-327	99	15	united	united	PROPN
ajis02-327	99	16	states	states	PROPN
ajis02-327	99	17	began	begin	VERB
ajis02-327	99	18	between	between	ADP
ajis02-327	99	19	1795	1795	NUM
ajis02-327	99	20	-	-	SYM
ajis02-327	99	21	1796	1796	NUM
ajis02-327	99	22	when	when	SCONJ
ajis02-327	99	23	insurance	insurance	NOUN
ajis02-327	99	24	companies	company	NOUN
ajis02-327	99	25	experimented	experiment	VERB
ajis02-327	99	26	with	with	ADP
ajis02-327	99	27	the	the	DET
ajis02-327	99	28	appointment	appointment	NOUN
ajis02-327	99	29	of	of	ADP
ajis02-327	99	30	exclusive	exclusive	ADJ
ajis02-327	99	31	agents	agent	NOUN
ajis02-327	99	32	(	(	PUNCT
ajis02-327	99	33	payan	payan	PROPN
ajis02-327	99	34	1993	1993	NUM
ajis02-327	99	35	,	,	PUNCT
ajis02-327	99	36	2	2	NUM
ajis02-327	99	37	)	)	PUNCT
ajis02-327	99	38	.	.	PUNCT
ajis02-327	100	1	mehr	mehr	NOUN
ajis02-327	100	2	and	and	CCONJ
ajis02-327	100	3	cammack	cammack	NOUN
ajis02-327	100	4	(	(	PUNCT
ajis02-327	100	5	1980	1980	NUM
ajis02-327	100	6	)	)	PUNCT
ajis02-327	100	7	recognise	recognise	VERB
ajis02-327	100	8	an	an	DET
ajis02-327	100	9	insurance	insurance	NOUN
ajis02-327	100	10	agent	agent	NOUN
ajis02-327	100	11	as	as	ADP
ajis02-327	100	12	anyone	anyone	PRON
ajis02-327	100	13	authorised	authorise	VERB
ajis02-327	100	14	by	by	ADP
ajis02-327	100	15	an	an	DET
ajis02-327	100	16	insurer	insurer	NOUN
ajis02-327	100	17	to	to	PART
ajis02-327	100	18	solicit	solicit	VERB
ajis02-327	100	19	,	,	PUNCT
ajis02-327	100	20	create	create	VERB
ajis02-327	100	21	,	,	PUNCT
ajis02-327	100	22	modify	modify	VERB
ajis02-327	100	23	,	,	PUNCT
ajis02-327	100	24	or	or	CCONJ
ajis02-327	100	25	terminate	terminate	VERB
ajis02-327	100	26	contracts	contract	NOUN
ajis02-327	100	27	of	of	ADP
ajis02-327	100	28	insurance	insurance	NOUN
ajis02-327	100	29	between	between	ADP
ajis02-327	100	30	the	the	DET
ajis02-327	100	31	insurer	insurer	NOUN
ajis02-327	100	32	and	and	CCONJ
ajis02-327	100	33	the	the	DET
ajis02-327	100	34	insuring	insure	VERB
ajis02-327	100	35	public	public	NOUN
ajis02-327	100	36	,	,	PUNCT
ajis02-327	100	37	and	and	CCONJ
ajis02-327	100	38	includes	include	VERB
ajis02-327	100	39	the	the	DET
ajis02-327	100	40	following	follow	VERB
ajis02-327	100	41	characteristics	characteristic	NOUN
ajis02-327	100	42	(	(	PUNCT
ajis02-327	100	43	1980	1980	NUM
ajis02-327	100	44	,	,	PUNCT
ajis02-327	100	45	99101	99101	NUM
ajis02-327	100	46	):	):	PUNCT
ajis02-327	100	47	•	•	ADP
ajis02-327	100	48	an	an	DET
ajis02-327	100	49	agency	agency	NOUN
ajis02-327	100	50	relationship	relationship	NOUN
ajis02-327	100	51	is	be	AUX
ajis02-327	100	52	established	establish	VERB
ajis02-327	100	53	between	between	ADP
ajis02-327	100	54	principals	principal	NOUN
ajis02-327	100	55	and	and	CCONJ
ajis02-327	100	56	agents	agent	NOUN
ajis02-327	100	57	by	by	ADP
ajis02-327	100	58	mutual	mutual	ADJ
ajis02-327	100	59	assent	assent	NOUN
ajis02-327	100	60	given	give	VERB
ajis02-327	100	61	in	in	ADP
ajis02-327	100	62	an	an	DET
ajis02-327	100	63	express	express	ADJ
ajis02-327	100	64	agreement	agreement	NOUN
ajis02-327	100	65	known	know	VERB
ajis02-327	100	66	as	as	ADP
ajis02-327	100	67	an	an	DET
ajis02-327	100	68	agency	agency	NOUN
ajis02-327	100	69	contract	contract	NOUN
ajis02-327	100	70	•	•	ADP
ajis02-327	100	71	an	an	DET
ajis02-327	100	72	ability	ability	NOUN
ajis02-327	100	73	to	to	PART
ajis02-327	100	74	establish	establish	VERB
ajis02-327	100	75	a	a	DET
ajis02-327	100	76	presumptive	presumptive	ADJ
ajis02-327	100	77	agency	agency	NOUN
ajis02-327	100	78	in	in	ADP
ajis02-327	100	79	which	which	PRON
ajis02-327	100	80	an	an	DET
ajis02-327	100	81	insurer	insurer	NOUN
ajis02-327	100	82	's	's	PART
ajis02-327	100	83	behaviour	behaviour	NOUN
ajis02-327	100	84	causes	cause	VERB
ajis02-327	100	85	a	a	DET
ajis02-327	100	86	reasonable	reasonable	ADJ
ajis02-327	100	87	person	person	NOUN
ajis02-327	100	88	to	to	PART
ajis02-327	100	89	believe	believe	VERB
ajis02-327	100	90	that	that	SCONJ
ajis02-327	100	91	an	an	DET
ajis02-327	100	92	individual	individual	NOUN
ajis02-327	100	93	is	be	AUX
ajis02-327	100	94	an	an	DET
ajis02-327	100	95	agent	agent	NOUN
ajis02-327	100	96	of	of	ADP
ajis02-327	100	97	the	the	DET
ajis02-327	100	98	company	company	NOUN
ajis02-327	100	99	the	the	DET
ajis02-327	100	100	costs	cost	NOUN
ajis02-327	100	101	of	of	ADP
ajis02-327	100	102	agent	agent	NOUN
ajis02-327	100	103	services	service	NOUN
ajis02-327	100	104	are	be	AUX
ajis02-327	100	105	covered	cover	VERB
ajis02-327	100	106	from	from	ADP
ajis02-327	100	107	the	the	DET
ajis02-327	100	108	premiums	premium	NOUN
ajis02-327	100	109	paid	pay	VERB
ajis02-327	100	110	by	by	ADP
ajis02-327	100	111	insureds	insured	NOUN
ajis02-327	100	112	,	,	PUNCT
ajis02-327	100	113	with	with	ADP
ajis02-327	100	114	differences	difference	NOUN
ajis02-327	100	115	in	in	ADP
ajis02-327	100	116	premium	premium	NOUN
ajis02-327	100	117	levels	level	NOUN
ajis02-327	100	118	based	base	VERB
ajis02-327	100	119	on	on	ADP
ajis02-327	100	120	differences	difference	NOUN
ajis02-327	100	121	hi	hi	INTJ
ajis02-327	100	122	agency	agency	NOUN
ajis02-327	100	123	services	service	NOUN
ajis02-327	100	124	provided	provide	VERB
ajis02-327	100	125	to	to	ADP
ajis02-327	100	126	the	the	DET
ajis02-327	100	127	consumer	consumer	NOUN
ajis02-327	100	128	.	.	PUNCT
ajis02-327	101	1	insurance	insurance	NOUN
ajis02-327	101	2	distribution	distribution	NOUN
ajis02-327	101	3	costs	cost	NOUN
ajis02-327	101	4	are	be	AUX
ajis02-327	101	5	reduced	reduce	VERB
ajis02-327	101	6	by	by	ADP
ajis02-327	101	7	shifting	shift	VERB
ajis02-327	101	8	part	part	NOUN
ajis02-327	101	9	of	of	ADP
ajis02-327	101	10	the	the	DET
ajis02-327	101	11	servicing	servicing	NOUN
ajis02-327	101	12	burden	burden	NOUN
ajis02-327	101	13	to	to	ADP
ajis02-327	101	14	consumers	consumer	NOUN
ajis02-327	101	15	where	where	SCONJ
ajis02-327	101	16	they	they	PRON
ajis02-327	101	17	determine	determine	VERB
ajis02-327	101	18	how	how	SCONJ
ajis02-327	101	19	much	much	ADJ
ajis02-327	101	20	service	service	NOUN
ajis02-327	101	21	they	they	PRON
ajis02-327	101	22	wish	wish	VERB
ajis02-327	101	23	to	to	PART
ajis02-327	101	24	buy	buy	VERB
ajis02-327	101	25	and	and	CCONJ
ajis02-327	101	26	supply	supply	VERB
ajis02-327	101	27	for	for	ADP
ajis02-327	101	28	themselves	themselves	PRON
ajis02-327	101	29	(	(	PUNCT
ajis02-327	101	30	mehr	mehr	NOUN
ajis02-327	101	31	and	and	CCONJ
ajis02-327	101	32	cammack	cammack	NOUN
ajis02-327	101	33	1980	1980	NUM
ajis02-327	101	34	,	,	PUNCT
ajis02-327	101	35	554	554	NUM
ajis02-327	101	36	)	)	PUNCT
ajis02-327	101	37	.	.	PUNCT
ajis02-327	102	1	marketing	marketing	NOUN
ajis02-327	102	2	insurance	insurance	NOUN
ajis02-327	102	3	company	company	NOUN
ajis02-327	102	4	products	product	NOUN
ajis02-327	102	5	can	can	AUX
ajis02-327	102	6	be	be	AUX
ajis02-327	102	7	done	do	VERB
ajis02-327	102	8	through	through	ADP
ajis02-327	102	9	various	various	ADJ
ajis02-327	102	10	distribution	distribution	NOUN
ajis02-327	102	11	channels	channel	NOUN
ajis02-327	102	12	,	,	PUNCT
ajis02-327	102	13	including	include	VERB
ajis02-327	102	14	the	the	DET
ajis02-327	102	15	agency	agency	NOUN
ajis02-327	102	16	system	system	NOUN
ajis02-327	102	17	which	which	PRON
ajis02-327	102	18	relies	rely	VERB
ajis02-327	102	19	on	on	ADP
ajis02-327	102	20	agents	agent	NOUN
ajis02-327	102	21	to	to	PART
ajis02-327	102	22	sell	sell	VERB
ajis02-327	102	23	the	the	DET
ajis02-327	102	24	insurance	insurance	NOUN
ajis02-327	102	25	products	product	NOUN
ajis02-327	102	26	,	,	PUNCT
ajis02-327	102	27	direct	direct	ADJ
ajis02-327	102	28	selling	selling	NOUN
ajis02-327	102	29	in	in	ADP
ajis02-327	102	30	which	which	PRON
ajis02-327	102	31	insurers	insurer	NOUN
ajis02-327	102	32	write	write	VERB
ajis02-327	102	33	business	business	NOUN
ajis02-327	102	34	directly	directly	ADV
ajis02-327	102	35	to	to	ADP
ajis02-327	102	36	consumers	consumer	NOUN
ajis02-327	102	37	,	,	PUNCT
ajis02-327	102	38	and	and	CCONJ
ajis02-327	102	39	mass	mass	ADJ
ajis02-327	102	40	merchandising	merchandising	NOUN
ajis02-327	102	41	in	in	ADP
ajis02-327	102	42	which	which	PRON
ajis02-327	102	43	selling	sell	VERB
ajis02-327	102	44	and	and	CCONJ
ajis02-327	102	45	underwriting	underwriting	NOUN
ajis02-327	102	46	is	be	AUX
ajis02-327	102	47	conducted	conduct	VERB
ajis02-327	102	48	in	in	ADP
ajis02-327	102	49	a	a	DET
ajis02-327	102	50	group	group	NOUN
ajis02-327	102	51	or	or	CCONJ
ajis02-327	102	52	collective	collective	ADJ
ajis02-327	102	53	basis	basis	NOUN
ajis02-327	102	54	(	(	PUNCT
ajis02-327	102	55	mehr	mehr	NOUN
ajis02-327	102	56	and	and	CCONJ
ajis02-327	102	57	cammack	cammack	NOUN
ajis02-327	102	58	1980	1980	NUM
ajis02-327	102	59	,	,	PUNCT
ajis02-327	102	60	565	565	NUM
ajis02-327	102	61	)	)	PUNCT
ajis02-327	102	62	.	.	PUNCT
ajis02-327	103	1	the	the	DET
ajis02-327	103	2	focus	focus	NOUN
ajis02-327	103	3	of	of	ADP
ajis02-327	103	4	this	this	DET
ajis02-327	103	5	paper	paper	NOUN
ajis02-327	103	6	will	will	AUX
ajis02-327	103	7	be	be	AUX
ajis02-327	103	8	the	the	DET
ajis02-327	103	9	american	american	ADJ
ajis02-327	103	10	agency	agency	NOUN
ajis02-327	103	11	system	system	NOUN
ajis02-327	103	12	where	where	SCONJ
ajis02-327	103	13	companies	company	NOUN
ajis02-327	103	14	use	use	VERB
ajis02-327	103	15	independent	independent	ADJ
ajis02-327	103	16	agents	agent	NOUN
ajis02-327	103	17	to	to	AUX
ajis02-327	103	18	market	market	VERB
ajis02-327	103	19	and	and	CCONJ
ajis02-327	103	20	sell	sell	VERB
ajis02-327	103	21	insurance	insurance	NOUN
ajis02-327	103	22	products	product	NOUN
ajis02-327	103	23	and	and	CCONJ
ajis02-327	103	24	services.-	services.-	PROPN
ajis02-327	103	25	*	*	PROPN
ajis02-327	103	26	a	a	DET
ajis02-327	103	27	majority	majority	NOUN
ajis02-327	103	28	of	of	ADP
ajis02-327	103	29	property	property	NOUN
ajis02-327	103	30	and	and	CCONJ
ajis02-327	103	31	liability	liability	NOUN
ajis02-327	103	32	insurers	insurer	NOUN
ajis02-327	103	33	in	in	ADP
ajis02-327	103	34	the	the	DET
ajis02-327	103	35	united	united	PROPN
ajis02-327	103	36	states	states	PROPN
ajis02-327	103	37	currently	currently	ADV
ajis02-327	103	38	operate	operate	VERB
ajis02-327	103	39	in	in	ADP
ajis02-327	103	40	the	the	DET
ajis02-327	103	41	american	american	ADJ
ajis02-327	103	42	independent	independent	ADJ
ajis02-327	103	43	agency	agency	NOUN
ajis02-327	103	44	system	system	NOUN
ajis02-327	103	45	,	,	PUNCT
ajis02-327	103	46	in	in	ADP
ajis02-327	103	47	which	which	PRON
ajis02-327	103	48	:	:	PUNCT
ajis02-327	103	49	•	•	NUM
ajis02-327	103	50	insurers	insurer	NOUN
ajis02-327	103	51	operating	operate	VERB
ajis02-327	103	52	in	in	ADP
ajis02-327	103	53	the	the	DET
ajis02-327	103	54	system	system	NOUN
ajis02-327	103	55	are	be	AUX
ajis02-327	103	56	independent	independent	ADJ
ajis02-327	103	57	agency	agency	NOUN
ajis02-327	103	58	insurers	insurer	NOUN
ajis02-327	103	59	•	•	NOUN
ajis02-327	103	60	agents	agent	NOUN
ajis02-327	103	61	are	be	AUX
ajis02-327	103	62	independent	independent	ADJ
ajis02-327	103	63	from	from	ADP
ajis02-327	103	64	companies	company	NOUN
ajis02-327	103	65	and	and	CCONJ
ajis02-327	103	66	can	can	AUX
ajis02-327	103	67	represent	represent	VERB
ajis02-327	103	68	multiple	multiple	ADJ
ajis02-327	103	69	insurers	insurer	NOUN
ajis02-327	103	70	•	•	NUM
ajis02-327	103	71	agents	agent	NOUN
ajis02-327	103	72	issue	issue	NOUN
ajis02-327	103	73	policies	policy	NOUN
ajis02-327	103	74	,	,	PUNCT
ajis02-327	103	75	collect	collect	VERB
ajis02-327	103	76	premiums	premium	NOUN
ajis02-327	103	77	,	,	PUNCT
ajis02-327	103	78	and	and	CCONJ
ajis02-327	103	79	retain	retain	VERB
ajis02-327	103	80	exclusive	exclusive	ADJ
ajis02-327	103	81	rights	right	NOUN
ajis02-327	103	82	to	to	PART
ajis02-327	103	83	solicit	solicit	VERB
ajis02-327	103	84	renewals	renewal	NOUN
ajis02-327	103	85	from	from	ADP
ajis02-327	103	86	customers	customer	NOUN
ajis02-327	103	87	a	a	DET
ajis02-327	103	88	white	white	ADJ
ajis02-327	103	89	-	-	PUNCT
ajis02-327	103	90	paper	paper	NOUN
ajis02-327	103	91	for	for	ADP
ajis02-327	103	92	the	the	DET
ajis02-327	103	93	national	national	PROPN
ajis02-327	103	94	association	association	PROPN
ajis02-327	103	95	of	of	ADP
ajis02-327	103	96	insurance	insurance	NOUN
ajis02-327	103	97	commissioners	commissioner	NOUN
ajis02-327	103	98	(	(	PUNCT
ajis02-327	103	99	naic	naic	PROPN
ajis02-327	103	100	)	)	PUNCT
ajis02-327	103	101	found	find	VERB
ajis02-327	103	102	the	the	DET
ajis02-327	103	103	internet	internet	NOUN
ajis02-327	103	104	as	as	ADP
ajis02-327	103	105	a	a	DET
ajis02-327	103	106	convenient	convenient	ADJ
ajis02-327	103	107	way	way	NOUN
ajis02-327	103	108	for	for	SCONJ
ajis02-327	103	109	consumers	consumer	NOUN
ajis02-327	103	110	to	to	PART
ajis02-327	103	111	learn	learn	VERB
ajis02-327	103	112	about	about	ADP
ajis02-327	103	113	insurance	insurance	NOUN
ajis02-327	103	114	products	product	NOUN
ajis02-327	103	115	,	,	PUNCT
ajis02-327	103	116	sources	source	NOUN
ajis02-327	103	117	,	,	PUNCT
ajis02-327	103	118	and	and	CCONJ
ajis02-327	103	119	pricing	pricing	NOUN
ajis02-327	103	120	;	;	PUNCT
ajis02-327	103	121	the	the	DET
ajis02-327	103	122	marketing	marketing	NOUN
ajis02-327	103	123	of	of	ADP
ajis02-327	103	124	insurance	insurance	NOUN
ajis02-327	103	125	over	over	ADP
ajis02-327	103	126	the	the	DET
ajis02-327	103	127	internet	internet	NOUN
ajis02-327	103	128	offers	offer	VERB
ajis02-327	103	129	insurance	insurance	NOUN
ajis02-327	103	130	regulators	regulator	NOUN
ajis02-327	103	131	an	an	DET
ajis02-327	103	132	additional	additional	ADJ
ajis02-327	103	133	opportunity	opportunity	NOUN
ajis02-327	103	134	to	to	PART
ajis02-327	103	135	monitor	monitor	VERB
ajis02-327	103	136	insurance	insurance	NOUN
ajis02-327	103	137	market	market	NOUN
ajis02-327	103	138	conduct	conduct	NOUN
ajis02-327	103	139	;	;	PUNCT
ajis02-327	103	140	and	and	CCONJ
ajis02-327	103	141	a	a	DET
ajis02-327	103	142	means	mean	NOUN
ajis02-327	103	143	for	for	SCONJ
ajis02-327	103	144	companies	company	NOUN
ajis02-327	103	145	to	to	PART
ajis02-327	103	146	use	use	VERB
ajis02-327	103	147	a	a	DET
ajis02-327	103	148	new	new	ADJ
ajis02-327	103	149	distribution	distribution	NOUN
ajis02-327	103	150	channel	channel	NOUN
ajis02-327	103	151	which	which	PRON
ajis02-327	103	152	could	could	AUX
ajis02-327	103	153	incorporate	incorporate	VERB
ajis02-327	103	154	all	all	DET
ajis02-327	103	155	facets	facet	NOUN
ajis02-327	103	156	of	of	ADP
ajis02-327	103	157	an	an	DET
ajis02-327	103	158	insurance	insurance	NOUN
ajis02-327	103	159	transaction	transaction	NOUN
ajis02-327	103	160	(	(	PUNCT
ajis02-327	103	161	n.a.i.c	n.a.i.c	PROPN
ajis02-327	103	162	.	.	PROPN
ajis02-327	103	163	1997	1997	NUM
ajis02-327	103	164	)	)	PUNCT
ajis02-327	103	165	the	the	DET
ajis02-327	103	166	naic	naic	PROPN
ajis02-327	103	167	has	have	AUX
ajis02-327	103	168	suggested	suggest	VERB
ajis02-327	103	169	the	the	DET
ajis02-327	103	170	internet	internet	NOUN
ajis02-327	103	171	serves	serve	VERB
ajis02-327	103	172	four	four	NUM
ajis02-327	103	173	functions	function	NOUN
ajis02-327	103	174	for	for	ADP
ajis02-327	103	175	the	the	DET
ajis02-327	103	176	insurance	insurance	NOUN
ajis02-327	103	177	industry	industry	NOUN
ajis02-327	103	178	(	(	PUNCT
ajis02-327	103	179	naic	naic	PROPN
ajis02-327	103	180	1997	1997	NUM
ajis02-327	103	181	):	):	PUNCT
ajis02-327	103	182	1	1	NUM
ajis02-327	103	183	.	.	X
ajis02-327	103	184	single	single	ADJ
ajis02-327	103	185	source	source	NOUN
ajis02-327	103	186	sales	sale	NOUN
ajis02-327	103	187	sitein	sitein	VERB
ajis02-327	103	188	which	which	PRON
ajis02-327	103	189	a	a	DET
ajis02-327	103	190	single	single	ADJ
ajis02-327	103	191	insurance	insurance	NOUN
ajis02-327	103	192	company	company	NOUN
ajis02-327	103	193	markets	market	VERB
ajis02-327	103	194	its	its	PRON
ajis02-327	103	195	products	product	NOUN
ajis02-327	103	196	and	and	CCONJ
ajis02-327	103	197	services	service	NOUN
ajis02-327	103	198	over	over	ADP
ajis02-327	103	199	the	the	DET
ajis02-327	103	200	internet	internet	NOUN
ajis02-327	103	201	though	though	SCONJ
ajis02-327	103	202	a	a	DET
ajis02-327	103	203	www	www	NOUN
ajis02-327	103	204	homepage	homepage	NOUN
ajis02-327	103	205	;	;	PUNCT
ajis02-327	103	206	has	have	VERB
ajis02-327	103	207	the	the	DET
ajis02-327	103	208	ability	ability	NOUN
ajis02-327	103	209	to	to	PART
ajis02-327	103	210	allow	allow	VERB
ajis02-327	103	211	consumers	consumer	NOUN
ajis02-327	103	212	to	to	PART
ajis02-327	103	213	purchase	purchase	VERB
ajis02-327	103	214	insurance	insurance	NOUN
ajis02-327	103	215	directly	directly	ADV
ajis02-327	103	216	from	from	ADP
ajis02-327	103	217	the	the	DET
ajis02-327	103	218	company	company	NOUN
ajis02-327	103	219	and	and	CCONJ
ajis02-327	103	220	provide	provide	VERB
ajis02-327	103	221	on	on	ADP
ajis02-327	103	222	-	-	PUNCT
ajis02-327	103	223	line	line	NOUN
ajis02-327	103	224	requests	request	NOUN
ajis02-327	103	225	for	for	ADP
ajis02-327	103	226	quotes	quote	NOUN
ajis02-327	103	227	;	;	PUNCT
ajis02-327	103	228	and	and	CCONJ
ajis02-327	103	229	offers	offer	VERB
ajis02-327	103	230	a	a	DET
ajis02-327	103	231	medium	medium	NOUN
ajis02-327	103	232	for	for	SCONJ
ajis02-327	103	233	companies	company	NOUN
ajis02-327	103	234	to	to	PART
ajis02-327	103	235	work	work	VERB
ajis02-327	103	236	with	with	ADP
ajis02-327	103	237	agents	agent	NOUN
ajis02-327	103	238	to	to	PART
ajis02-327	103	239	educate	educate	VERB
ajis02-327	103	240	and	and	CCONJ
ajis02-327	103	241	sell	sell	VERB
ajis02-327	103	242	to	to	ADP
ajis02-327	103	243	consumers	consumer	NOUN
ajis02-327	103	244	2	2	NUM
ajis02-327	103	245	.	.	PUNCT
ajis02-327	104	1	insurance	insurance	NOUN
ajis02-327	104	2	mallsoffers	mallsoffer	VERB
ajis02-327	104	3	a	a	DET
ajis02-327	104	4	site	site	NOUN
ajis02-327	104	5	where	where	SCONJ
ajis02-327	104	6	sellers	seller	NOUN
ajis02-327	104	7	from	from	ADP
ajis02-327	104	8	within	within	ADP
ajis02-327	104	9	one	one	NUM
ajis02-327	104	10	industry	industry	NOUN
ajis02-327	104	11	or	or	CCONJ
ajis02-327	104	12	across	across	ADP
ajis02-327	104	13	multiple	multiple	ADJ
ajis02-327	104	14	industries	industry	NOUN
ajis02-327	104	15	can	can	AUX
ajis02-327	104	16	market	market	VERB
ajis02-327	104	17	and	and	CCONJ
ajis02-327	104	18	sell	sell	VERB
ajis02-327	104	19	their	their	PRON
ajis02-327	104	20	insurance	insurance	NOUN
ajis02-327	104	21	products	product	NOUN
ajis02-327	104	22	and	and	CCONJ
ajis02-327	104	23	services	service	NOUN
ajis02-327	104	24	3	3	NUM
ajis02-327	104	25	at	at	ADP
ajis02-327	104	26	present	present	NOUN
ajis02-327	104	27	there	there	PRON
ajis02-327	104	28	are	be	VERB
ajis02-327	104	29	three	three	NUM
ajis02-327	104	30	main	main	ADJ
ajis02-327	104	31	sources	source	NOUN
ajis02-327	104	32	for	for	ADP
ajis02-327	104	33	insurance	insurance	NOUN
ajis02-327	104	34	in	in	ADP
ajis02-327	104	35	the	the	DET
ajis02-327	104	36	us	us	PROPN
ajis02-327	104	37	:	:	PUNCT
ajis02-327	104	38	captive	captive	ADJ
ajis02-327	104	39	agents	agent	NOUN
ajis02-327	104	40	who	who	PRON
ajis02-327	104	41	can	can	AUX
ajis02-327	104	42	sell	sell	VERB
ajis02-327	104	43	insurance	insurance	NOUN
ajis02-327	104	44	for	for	ADP
ajis02-327	104	45	only	only	ADV
ajis02-327	104	46	one	one	NUM
ajis02-327	104	47	company	company	NOUN
ajis02-327	104	48	,	,	PUNCT
ajis02-327	104	49	telephone	telephone	NOUN
ajis02-327	104	50	insurance	insurance	NOUN
ajis02-327	104	51	representatives	representative	NOUN
ajis02-327	104	52	who	who	PRON
ajis02-327	104	53	can	can	AUX
ajis02-327	104	54	offer	offer	VERB
ajis02-327	104	55	insurance	insurance	NOUN
ajis02-327	104	56	of	of	ADP
ajis02-327	104	57	one	one	NUM
ajis02-327	104	58	company	company	NOUN
ajis02-327	104	59	,	,	PUNCT
ajis02-327	104	60	and	and	CCONJ
ajis02-327	104	61	only	only	ADV
ajis02-327	104	62	over	over	ADP
ajis02-327	104	63	the	the	DET
ajis02-327	104	64	telephone	telephone	NOUN
ajis02-327	104	65	,	,	PUNCT
ajis02-327	104	66	and	and	CCONJ
ajis02-327	104	67	independent	independent	ADJ
ajis02-327	104	68	insurance	insurance	NOUN
ajis02-327	104	69	agents	agent	NOUN
ajis02-327	104	70	who	who	PRON
ajis02-327	104	71	represent	represent	VERB
ajis02-327	104	72	multiple	multiple	ADJ
ajis02-327	104	73	insurance	insurance	NOUN
ajis02-327	104	74	companies	company	NOUN
ajis02-327	104	75	and	and	CCONJ
ajis02-327	104	76	provide	provide	VERB
ajis02-327	104	77	insurance	insurance	NOUN
ajis02-327	104	78	products	product	NOUN
ajis02-327	104	79	based	base	VERB
ajis02-327	104	80	on	on	ADP
ajis02-327	104	81	price	price	NOUN
ajis02-327	104	82	,	,	PUNCT
ajis02-327	104	83	coverage	coverage	NOUN
ajis02-327	104	84	,	,	PUNCT
ajis02-327	104	85	and	and	CCONJ
ajis02-327	104	86	service	service	NOUN
ajis02-327	104	87	.	.	PUNCT
ajis02-327	105	1	26	26	NUM
ajis02-327	105	2	aj1s	aj1s	PROPN
ajis02-327	105	3	special	special	ADJ
ajis02-327	105	4	edition	edition	NOUN
ajis02-327	105	5	electronic	electronic	PROPN
ajis02-327	105	6	commerce	commerce	PROPN
ajis02-327	105	7	november	november	PROPN
ajis02-327	105	8	1998	1998	NUM
ajis02-327	105	9	3	3	NUM
ajis02-327	105	10	.	.	PUNCT
ajis02-327	105	11	internet	internet	NOUN
ajis02-327	105	12	insurance	insurance	NOUN
ajis02-327	105	13	servicingproviding	servicingprovide	VERB
ajis02-327	105	14	full	full	ADJ
ajis02-327	105	15	servicing	servicing	NOUN
ajis02-327	105	16	capabilities	capability	NOUN
ajis02-327	105	17	to	to	ADP
ajis02-327	105	18	the	the	DET
ajis02-327	105	19	insurance	insurance	NOUN
ajis02-327	105	20	consumer	consumer	NOUN
ajis02-327	105	21	during	during	ADP
ajis02-327	105	22	all	all	DET
ajis02-327	105	23	facets	facet	NOUN
ajis02-327	105	24	of	of	ADP
ajis02-327	105	25	the	the	DET
ajis02-327	105	26	insurance	insurance	NOUN
ajis02-327	105	27	transaction	transaction	NOUN
ajis02-327	105	28	4	4	NUM
ajis02-327	105	29	.	.	PUNCT
ajis02-327	105	30	company	company	NOUN
ajis02-327	105	31	agent	agent	NOUN
ajis02-327	105	32	communications	communication	NOUN
ajis02-327	105	33	to	to	PART
ajis02-327	105	34	serve	serve	VERB
ajis02-327	105	35	as	as	ADP
ajis02-327	105	36	a	a	DET
ajis02-327	105	37	tool	tool	NOUN
ajis02-327	105	38	to	to	PART
ajis02-327	105	39	enhance	enhance	VERB
ajis02-327	105	40	insurance	insurance	NOUN
ajis02-327	105	41	company	company	NOUN
ajis02-327	105	42	and	and	CCONJ
ajis02-327	105	43	agency	agency	NOUN
ajis02-327	105	44	communication	communication	NOUN
ajis02-327	105	45	and	and	CCONJ
ajis02-327	105	46	information	information	NOUN
ajis02-327	105	47	exchange	exchange	NOUN
ajis02-327	105	48	in	in	ADP
ajis02-327	105	49	addition	addition	NOUN
ajis02-327	105	50	to	to	ADP
ajis02-327	105	51	the	the	DET
ajis02-327	105	52	four	four	NUM
ajis02-327	105	53	possible	possible	ADJ
ajis02-327	105	54	internet	internet	NOUN
ajis02-327	105	55	functions	function	NOUN
ajis02-327	105	56	serving	serve	VERB
ajis02-327	105	57	the	the	DET
ajis02-327	105	58	industry	industry	NOUN
ajis02-327	105	59	,	,	PUNCT
ajis02-327	105	60	the	the	DET
ajis02-327	105	61	naic	naic	PROPN
ajis02-327	105	62	suggests	suggest	VERB
ajis02-327	105	63	the	the	DET
ajis02-327	105	64	internet	internet	NOUN
ajis02-327	105	65	provides	provide	VERB
ajis02-327	105	66	consumers	consumer	NOUN
ajis02-327	105	67	,	,	PUNCT
ajis02-327	105	68	regulators	regulator	NOUN
ajis02-327	105	69	,	,	PUNCT
ajis02-327	105	70	and	and	CCONJ
ajis02-327	105	71	the	the	DET
ajis02-327	105	72	industry	industry	NOUN
ajis02-327	105	73	with	with	ADP
ajis02-327	105	74	a	a	DET
ajis02-327	105	75	number	number	NOUN
ajis02-327	105	76	of	of	ADP
ajis02-327	105	77	advantages	advantage	NOUN
ajis02-327	105	78	and	and	CCONJ
ajis02-327	105	79	disadvantages	disadvantage	NOUN
ajis02-327	105	80	(	(	PUNCT
ajis02-327	105	81	table	table	NOUN
ajis02-327	105	82	1	1	NUM
ajis02-327	105	83	)	)	PUNCT
ajis02-327	105	84	.	.	PUNCT
ajis02-327	106	1	table	table	NOUN
ajis02-327	106	2	1	1	NUM
ajis02-327	106	3	internet	internet	NOUN
ajis02-327	106	4	insurance	insurance	NOUN
ajis02-327	106	5	advantages	advantage	NOUN
ajis02-327	106	6	and	and	CCONJ
ajis02-327	106	7	disadvantages	disadvantage	VERB
ajis02-327	106	8	insurance	insurance	NOUN
ajis02-327	106	9	segment	segment	NOUN
ajis02-327	106	10	advantages	advantage	NOUN
ajis02-327	106	11	disadvantages	disadvantage	VERB
ajis02-327	106	12	consumers	consumer	NOUN
ajis02-327	106	13	•	•	NOUN
ajis02-327	106	14	product	product	NOUN
ajis02-327	106	15	and	and	CCONJ
ajis02-327	106	16	information	information	NOUN
ajis02-327	106	17	accessibility	accessibility	NOUN
ajis02-327	106	18	•	•	NOUN
ajis02-327	106	19	agent	agent	NOUN
ajis02-327	106	20	&	&	CCONJ
ajis02-327	106	21	product	product	NOUN
ajis02-327	106	22	search	search	NOUN
ajis02-327	106	23	•	•	NOUN
ajis02-327	106	24	customer	customer	NOUN
ajis02-327	106	25	service	service	NOUN
ajis02-327	106	26	•	•	NUM
ajis02-327	106	27	lower	low	ADJ
ajis02-327	106	28	costs	cost	NOUN
ajis02-327	106	29	lack	lack	NOUN
ajis02-327	106	30	of	of	ADP
ajis02-327	106	31	personal	personal	ADJ
ajis02-327	106	32	interaction	interaction	NOUN
ajis02-327	106	33	unfamiliarity	unfamiliarity	NOUN
ajis02-327	106	34	with	with	ADP
ajis02-327	106	35	laws	law	NOUN
ajis02-327	106	36	&	&	CCONJ
ajis02-327	106	37	regulations	regulation	NOUN
ajis02-327	106	38	potential	potential	ADJ
ajis02-327	106	39	lack	lack	NOUN
ajis02-327	106	40	of	of	ADP
ajis02-327	106	41	market	market	NOUN
ajis02-327	106	42	access	access	NOUN
ajis02-327	106	43	regulators	regulator	NOUN
ajis02-327	106	44	•	•	ADP
ajis02-327	106	45	electronic	electronic	ADJ
ajis02-327	106	46	access	access	NOUN
ajis02-327	106	47	to	to	ADP
ajis02-327	106	48	consumers	consumer	NOUN
ajis02-327	106	49	and	and	CCONJ
ajis02-327	106	50	industry	industry	NOUN
ajis02-327	106	51	•	•	NOUN
ajis02-327	106	52	sales	sale	NOUN
ajis02-327	106	53	and	and	CCONJ
ajis02-327	106	54	solicitation	solicitation	NOUN
ajis02-327	106	55	electronically	electronically	ADV
ajis02-327	106	56	monitored	monitor	VERB
ajis02-327	106	57	potential	potential	ADJ
ajis02-327	106	58	lack	lack	NOUN
ajis02-327	106	59	of	of	ADP
ajis02-327	106	60	market	market	NOUN
ajis02-327	106	61	access	access	NOUN
ajis02-327	106	62	explosive	explosive	ADJ
ajis02-327	106	63	growth	growth	NOUN
ajis02-327	106	64	in	in	ADP
ajis02-327	106	65	use	use	NOUN
ajis02-327	106	66	without	without	SCONJ
ajis02-327	106	67	adequate	adequate	ADJ
ajis02-327	106	68	resources	resource	NOUN
ajis02-327	106	69	regulatory	regulatory	ADJ
ajis02-327	106	70	overview	overview	NOUN
ajis02-327	106	71	problems	problem	NOUN
ajis02-327	106	72	increased	increase	VERB
ajis02-327	106	73	fraud	fraud	NOUN
ajis02-327	106	74	industry	industry	NOUN
ajis02-327	106	75	electronic	electronic	ADJ
ajis02-327	106	76	communication	communication	NOUN
ajis02-327	106	77	and	and	CCONJ
ajis02-327	106	78	transactions	transaction	NOUN
ajis02-327	106	79	reduced	reduce	VERB
ajis02-327	106	80	administrative	administrative	ADJ
ajis02-327	106	81	and	and	CCONJ
ajis02-327	106	82	operating	operating	NOUN
ajis02-327	106	83	costs	cost	NOUN
ajis02-327	106	84	target	target	NOUN
ajis02-327	106	85	market	market	NOUN
ajis02-327	106	86	opportunities	opportunity	NOUN
ajis02-327	106	87	improved	improve	VERB
ajis02-327	106	88	matching	matching	NOUN
ajis02-327	106	89	of	of	ADP
ajis02-327	106	90	needs	need	NOUN
ajis02-327	106	91	with	with	ADP
ajis02-327	106	92	products	product	NOUN
ajis02-327	106	93	problems	problem	NOUN
ajis02-327	106	94	with	with	ADP
ajis02-327	106	95	regulatory	regulatory	ADJ
ajis02-327	106	96	compliance	compliance	NOUN
ajis02-327	106	97	physical	physical	ADJ
ajis02-327	106	98	market	market	NOUN
ajis02-327	106	99	access	access	NOUN
ajis02-327	106	100	to	to	ADP
ajis02-327	106	101	emerging	emerge	VERB
ajis02-327	106	102	markets	market	NOUN
ajis02-327	106	103	solicitation	solicitation	NOUN
ajis02-327	106	104	violations	violation	NOUN
ajis02-327	106	105	applicant	applicant	ADJ
ajis02-327	106	106	qualification	qualification	NOUN
ajis02-327	106	107	for	for	ADP
ajis02-327	106	108	insurance	insurance	NOUN
ajis02-327	106	109	advertising	advertising	NOUN
ajis02-327	106	110	laws	law	NOUN
ajis02-327	106	111	and	and	CCONJ
ajis02-327	106	112	regulations	regulation	NOUN
ajis02-327	106	113	source	source	NOUN
ajis02-327	106	114	:	:	PUNCT
ajis02-327	106	115	adapted	adapt	VERB
ajis02-327	106	116	from	from	ADP
ajis02-327	106	117	national	national	PROPN
ajis02-327	106	118	association	association	PROPN
ajis02-327	106	119	of	of	ADP
ajis02-327	106	120	insurance	insurance	NOUN
ajis02-327	106	121	commissioners	commissioner	NOUN
ajis02-327	106	122	(	(	PUNCT
ajis02-327	106	123	naic)(1997	naic)(1997	NUM
ajis02-327	106	124	):	):	PUNCT
ajis02-327	106	125	the	the	DET
ajis02-327	106	126	marketing	marketing	NOUN
ajis02-327	106	127	of	of	ADP
ajis02-327	106	128	insurance	insurance	NOUN
ajis02-327	106	129	over	over	ADP
ajis02-327	106	130	the	the	DET
ajis02-327	106	131	internet	internet	NOUN
ajis02-327	106	132	.	.	PUNCT
ajis02-327	107	1	draft	draft	NOUN
ajis02-327	107	2	:	:	PUNCT
ajis02-327	107	3	june	june	PROPN
ajis02-327	107	4	4	4	NUM
ajis02-327	107	5	a	a	DET
ajis02-327	107	6	number	number	NOUN
ajis02-327	107	7	of	of	ADP
ajis02-327	107	8	recent	recent	ADJ
ajis02-327	107	9	insurance	insurance	NOUN
ajis02-327	107	10	industry	industry	NOUN
ajis02-327	107	11	movements	movement	NOUN
ajis02-327	107	12	indicate	indicate	VERB
ajis02-327	107	13	the	the	DET
ajis02-327	107	14	internet	internet	NOUN
ajis02-327	107	15	is	be	AUX
ajis02-327	107	16	having	have	VERB
ajis02-327	107	17	a	a	DET
ajis02-327	107	18	profound	profound	ADJ
ajis02-327	107	19	impact	impact	NOUN
ajis02-327	107	20	on	on	ADP
ajis02-327	107	21	how	how	SCONJ
ajis02-327	107	22	different	different	ADJ
ajis02-327	107	23	organisations	organisation	NOUN
ajis02-327	107	24	are	be	AUX
ajis02-327	107	25	preparing	prepare	VERB
ajis02-327	107	26	for	for	ADP
ajis02-327	107	27	the	the	DET
ajis02-327	107	28	future	future	NOUN
ajis02-327	107	29	,	,	PUNCT
ajis02-327	107	30	including	include	VERB
ajis02-327	107	31	;	;	PUNCT
ajis02-327	107	32	•	•	ADP
ajis02-327	107	33	the	the	DET
ajis02-327	107	34	independent	independent	ADJ
ajis02-327	107	35	insurance	insurance	NOUN
ajis02-327	107	36	agents	agent	NOUN
ajis02-327	107	37	of	of	ADP
ajis02-327	107	38	america	america	PROPN
ajis02-327	107	39	web	web	NOUN
ajis02-327	107	40	site	site	NOUN
ajis02-327	107	41	connects	connect	VERB
ajis02-327	107	42	to	to	ADP
ajis02-327	107	43	www	www	NOUN
ajis02-327	107	44	homepages	homepage	NOUN
ajis02-327	107	45	for	for	ADP
ajis02-327	107	46	more	more	ADJ
ajis02-327	107	47	than	than	ADP
ajis02-327	107	48	22,000	22,000	NUM
ajis02-327	107	49	independent	independent	ADJ
ajis02-327	107	50	agencies	agency	NOUN
ajis02-327	107	51	on	on	ADP
ajis02-327	107	52	the	the	DET
ajis02-327	107	53	internet	internet	NOUN
ajis02-327	107	54	(	(	PUNCT
ajis02-327	107	55	banham	banham	NOUN
ajis02-327	107	56	1997	1997	NUM
ajis02-327	107	57	)	)	PUNCT
ajis02-327	107	58	•	•	NOUN
ajis02-327	107	59	insweb	insweb	VERB
ajis02-327	108	1	[	[	X
ajis02-327	108	2	www.insweb.com	www.insweb.com	X
ajis02-327	108	3	]	]	X
ajis02-327	108	4	,	,	PUNCT
ajis02-327	108	5	a	a	DET
ajis02-327	108	6	year	year	NOUN
ajis02-327	108	7	old	old	ADJ
ajis02-327	108	8	company	company	NOUN
ajis02-327	108	9	that	that	PRON
ajis02-327	108	10	intends	intend	VERB
ajis02-327	108	11	to	to	PART
ajis02-327	108	12	offer	offer	VERB
ajis02-327	108	13	web	web	NOUN
ajis02-327	108	14	-	-	PUNCT
ajis02-327	108	15	based	base	VERB
ajis02-327	108	16	comparative	comparative	ADJ
ajis02-327	108	17	shopping	shopping	NOUN
ajis02-327	108	18	of	of	ADP
ajis02-327	108	19	insurance	insurance	NOUN
ajis02-327	108	20	products	product	NOUN
ajis02-327	108	21	and	and	CCONJ
ajis02-327	108	22	quotes	quote	NOUN
ajis02-327	108	23	and	and	CCONJ
ajis02-327	108	24	has	have	AUX
ajis02-327	108	25	invested	invest	VERB
ajis02-327	108	26	at	at	ADP
ajis02-327	108	27	least	least	ADV
ajis02-327	108	28	$	$	SYM
ajis02-327	108	29	10	10	NUM
ajis02-327	108	30	million	million	NUM
ajis02-327	108	31	into	into	ADP
ajis02-327	108	32	its	its	PRON
ajis02-327	108	33	web	web	NOUN
ajis02-327	108	34	site	site	NOUN
ajis02-327	108	35	,	,	PUNCT
ajis02-327	108	36	and	and	CCONJ
ajis02-327	108	37	quickquote	quickquote	VERB
ajis02-327	108	38	,	,	PUNCT
ajis02-327	108	39	are	be	AUX
ajis02-327	108	40	building	build	VERB
ajis02-327	108	41	a	a	DET
ajis02-327	108	42	presence	presence	NOUN
ajis02-327	108	43	on	on	ADP
ajis02-327	108	44	the	the	DET
ajis02-327	108	45	internet	internet	NOUN
ajis02-327	108	46	and	and	CCONJ
ajis02-327	108	47	recruiting	recruiting	NOUN
ajis02-327	108	48	organisations	organisation	NOUN
ajis02-327	108	49	to	to	PART
ajis02-327	108	50	participate	participate	VERB
ajis02-327	108	51	in	in	ADP
ajis02-327	108	52	their	their	PRON
ajis02-327	108	53	services	service	NOUN
ajis02-327	108	54	(	(	PUNCT
ajis02-327	108	55	brandel	brandel	PROPN
ajis02-327	108	56	1996	1996	NUM
ajis02-327	108	57	,	,	PUNCT
ajis02-327	108	58	halper	halper	NOUN
ajis02-327	108	59	1997	1997	NUM
ajis02-327	108	60	)	)	PUNCT
ajis02-327	108	61	•	•	NUM
ajis02-327	108	62	internet	internet	NOUN
ajis02-327	108	63	technological	technological	ADJ
ajis02-327	108	64	advances	advance	NOUN
ajis02-327	108	65	are	be	AUX
ajis02-327	108	66	offering	offer	VERB
ajis02-327	108	67	insurance	insurance	NOUN
ajis02-327	108	68	companies	company	NOUN
ajis02-327	108	69	opportunities	opportunity	NOUN
ajis02-327	108	70	to	to	PART
ajis02-327	108	71	cut	cut	VERB
ajis02-327	108	72	their	their	PRON
ajis02-327	108	73	distribution	distribution	NOUN
ajis02-327	108	74	margins	margin	NOUN
ajis02-327	108	75	by	by	ADP
ajis02-327	108	76	15	15	NUM
ajis02-327	108	77	-	-	SYM
ajis02-327	108	78	18	18	NUM
ajis02-327	108	79	percent	percent	NOUN
ajis02-327	108	80	(	(	PUNCT
ajis02-327	108	81	higgins	higgins	PROPN
ajis02-327	108	82	1996	1996	NUM
ajis02-327	108	83	)	)	PUNCT
ajis02-327	108	84	•	•	NUM
ajis02-327	108	85	six	six	NUM
ajis02-327	108	86	insurance	insurance	NOUN
ajis02-327	108	87	companies	company	NOUN
ajis02-327	108	88	have	have	AUX
ajis02-327	108	89	created	create	VERB
ajis02-327	108	90	an	an	DET
ajis02-327	108	91	alliance	alliance	NOUN
ajis02-327	108	92	,	,	PUNCT
ajis02-327	108	93	know	know	VERB
ajis02-327	108	94	as	as	SCONJ
ajis02-327	108	95	the	the	DET
ajis02-327	108	96	world	world	NOUN
ajis02-327	108	97	insurance	insurance	NOUN
ajis02-327	108	98	network	network	NOUN
ajis02-327	108	99	,	,	PUNCT
ajis02-327	108	100	to	to	PART
ajis02-327	108	101	build	build	VERB
ajis02-327	108	102	a	a	DET
ajis02-327	108	103	virtual	virtual	ADJ
ajis02-327	108	104	private	private	ADJ
ajis02-327	108	105	network	network	NOUN
ajis02-327	108	106	with	with	ADP
ajis02-327	108	107	secure	secure	ADJ
ajis02-327	108	108	internet	internet	NOUN
ajis02-327	108	109	"	"	PUNCT
ajis02-327	108	110	hooks	hook	NOUN
ajis02-327	108	111	"	"	PUNCT
ajis02-327	108	112	that	that	PRON
ajis02-327	108	113	will	will	AUX
ajis02-327	108	114	enable	enable	VERB
ajis02-327	108	115	them	they	PRON
ajis02-327	108	116	to	to	PART
ajis02-327	108	117	exchange	exchange	VERB
ajis02-327	108	118	e	e	NOUN
ajis02-327	108	119	-	-	NOUN
ajis02-327	108	120	mail	mail	NOUN
ajis02-327	108	121	and	and	CCONJ
ajis02-327	108	122	provide	provide	VERB
ajis02-327	108	123	the	the	DET
ajis02-327	108	124	foundation	foundation	NOUN
ajis02-327	108	125	for	for	ADP
ajis02-327	108	126	electronic	electronic	ADJ
ajis02-327	108	127	commerce	commerce	NOUN
ajis02-327	108	128	(	(	PUNCT
ajis02-327	108	129	cole	cole	PROPN
ajis02-327	108	130	1997	1997	NUM
ajis02-327	108	131	)	)	PUNCT
ajis02-327	108	132	research	research	NOUN
ajis02-327	108	133	methodology	methodology	NOUN
ajis02-327	108	134	this	this	DET
ajis02-327	108	135	paper	paper	NOUN
ajis02-327	108	136	aims	aim	VERB
ajis02-327	108	137	to	to	PART
ajis02-327	108	138	identify	identify	VERB
ajis02-327	108	139	whether	whether	SCONJ
ajis02-327	108	140	emergent	emergent	ADJ
ajis02-327	108	141	evidence	evidence	NOUN
ajis02-327	108	142	of	of	ADP
ajis02-327	108	143	the	the	DET
ajis02-327	108	144	following	follow	VERB
ajis02-327	108	145	electronic	electronic	ADJ
ajis02-327	108	146	market	market	NOUN
ajis02-327	108	147	attributes	attribute	NOUN
ajis02-327	108	148	and	and	CCONJ
ajis02-327	108	149	effects	effect	NOUN
ajis02-327	108	150	exist	exist	VERB
ajis02-327	108	151	within	within	ADP
ajis02-327	108	152	the	the	DET
ajis02-327	108	153	context	context	NOUN
ajis02-327	108	154	of	of	ADP
ajis02-327	108	155	internet	internet	NOUN
ajis02-327	108	156	-	-	PUNCT
ajis02-327	108	157	enabled	enable	VERB
ajis02-327	108	158	markets	market	NOUN
ajis02-327	108	159	in	in	ADP
ajis02-327	108	160	the	the	DET
ajis02-327	108	161	insurance	insurance	NOUN
ajis02-327	108	162	sector	sector	NOUN
ajis02-327	108	163	:	:	PUNCT
ajis02-327	108	164	•	•	NUM
ajis02-327	108	165	electronic	electronic	ADJ
ajis02-327	108	166	communication	communication	NOUN
ajis02-327	108	167	effect	effect	NOUN
ajis02-327	108	168	•	•	ADP
ajis02-327	108	169	electronic	electronic	ADJ
ajis02-327	108	170	brokerage	brokerage	NOUN
ajis02-327	108	171	effect	effect	NOUN
ajis02-327	108	172	•	•	ADP
ajis02-327	108	173	electronic	electronic	ADJ
ajis02-327	108	174	integration	integration	NOUN
ajis02-327	108	175	effect	effect	NOUN
ajis02-327	108	176	27	27	NUM
ajis02-327	108	177	ajis	ajis	NOUN
ajis02-327	108	178	special	special	PROPN
ajis02-327	108	179	edition	edition	NOUN
ajis02-327	108	180	electronic	electronic	PROPN
ajis02-327	108	181	commerce	commerce	PROPN
ajis02-327	108	182	november	november	PROPN
ajis02-327	108	183	1998	1998	NUM
ajis02-327	108	184	•	•	NOUN
ajis02-327	108	185	effect	effect	NOUN
ajis02-327	108	186	of	of	ADP
ajis02-327	108	187	product	product	NOUN
ajis02-327	108	188	characteristics	characteristic	NOUN
ajis02-327	108	189	•	•	NOUN
ajis02-327	108	190	impact	impact	NOUN
ajis02-327	108	191	on	on	ADP
ajis02-327	108	192	market	market	NOUN
ajis02-327	108	193	structure	structure	NOUN
ajis02-327	108	194	and	and	CCONJ
ajis02-327	108	195	process	process	NOUN
ajis02-327	108	196	•	•	NUM
ajis02-327	108	197	economics	economic	NOUN
ajis02-327	108	198	of	of	ADP
ajis02-327	108	199	market	market	NOUN
ajis02-327	108	200	participation	participation	NOUN
ajis02-327	108	201	due	due	ADP
ajis02-327	108	202	to	to	ADP
ajis02-327	108	203	the	the	DET
ajis02-327	108	204	early	early	ADJ
ajis02-327	108	205	stage	stage	NOUN
ajis02-327	108	206	of	of	ADP
ajis02-327	108	207	theory	theory	NOUN
ajis02-327	108	208	building	build	VERB
ajis02-327	108	209	in	in	ADP
ajis02-327	108	210	this	this	DET
ajis02-327	108	211	area	area	NOUN
ajis02-327	108	212	,	,	PUNCT
ajis02-327	108	213	the	the	DET
ajis02-327	108	214	research	research	NOUN
ajis02-327	108	215	questions	question	NOUN
ajis02-327	108	216	were	be	AUX
ajis02-327	108	217	explored	explore	VERB
ajis02-327	108	218	through	through	ADP
ajis02-327	108	219	qualitative	qualitative	ADJ
ajis02-327	108	220	research	research	NOUN
ajis02-327	108	221	categorised	categorise	VERB
ajis02-327	108	222	as	as	ADP
ajis02-327	108	223	theory	theory	NOUN
ajis02-327	108	224	building	building	NOUN
ajis02-327	108	225	case	case	NOUN
ajis02-327	108	226	studies	study	NOUN
ajis02-327	108	227	in	in	ADP
ajis02-327	108	228	which	which	PRON
ajis02-327	108	229	constructs	construct	NOUN
ajis02-327	108	230	and	and	CCONJ
ajis02-327	108	231	propositions	proposition	NOUN
ajis02-327	108	232	emerge	emerge	VERB
ajis02-327	108	233	inductively	inductively	ADV
ajis02-327	108	234	through	through	ADP
ajis02-327	108	235	the	the	DET
ajis02-327	108	236	process	process	NOUN
ajis02-327	108	237	of	of	ADP
ajis02-327	108	238	fieldwork	fieldwork	NOUN
ajis02-327	108	239	(	(	PUNCT
ajis02-327	108	240	eisenhardt	eisenhardt	PROPN
ajis02-327	108	241	1989	1989	NUM
ajis02-327	108	242	,	,	PUNCT
ajis02-327	108	243	swamidass	swamidass	NOUN
ajis02-327	108	244	1991	1991	NUM
ajis02-327	108	245	)	)	PUNCT
ajis02-327	108	246	.	.	PUNCT
ajis02-327	109	1	while	while	SCONJ
ajis02-327	109	2	inductive	inductive	ADJ
ajis02-327	109	3	theory	theory	NOUN
ajis02-327	109	4	building	building	NOUN
ajis02-327	109	5	from	from	ADP
ajis02-327	109	6	case	case	NOUN
ajis02-327	109	7	studies	study	NOUN
ajis02-327	109	8	increases	increase	VERB
ajis02-327	109	9	the	the	DET
ajis02-327	109	10	likelihood	likelihood	NOUN
ajis02-327	109	11	of	of	ADP
ajis02-327	109	12	generating	generate	VERB
ajis02-327	109	13	novel	novel	ADJ
ajis02-327	109	14	theory	theory	NOUN
ajis02-327	109	15	,	,	PUNCT
ajis02-327	109	16	eisenhardt	eisenhardt	PROPN
ajis02-327	109	17	(	(	PUNCT
ajis02-327	109	18	1989	1989	NUM
ajis02-327	109	19	)	)	PUNCT
ajis02-327	109	20	identifies	identify	VERB
ajis02-327	109	21	several	several	ADJ
ajis02-327	109	22	possible	possible	ADJ
ajis02-327	109	23	weaknesses	weakness	NOUN
ajis02-327	109	24	.	.	PUNCT
ajis02-327	110	1	to	to	PART
ajis02-327	110	2	offset	offset	VERB
ajis02-327	110	3	potential	potential	ADJ
ajis02-327	110	4	methodology	methodology	NOUN
ajis02-327	110	5	weaknesses	weaknesse	VERB
ajis02-327	110	6	a	a	DET
ajis02-327	110	7	number	number	NOUN
ajis02-327	110	8	of	of	ADP
ajis02-327	110	9	steps	step	NOUN
ajis02-327	110	10	were	be	AUX
ajis02-327	110	11	taken	take	VERB
ajis02-327	110	12	:	:	PUNCT
ajis02-327	110	13	•	•	NOUN
ajis02-327	110	14	constructs	construct	NOUN
ajis02-327	110	15	and	and	CCONJ
ajis02-327	110	16	propositions	proposition	NOUN
ajis02-327	110	17	studied	study	VERB
ajis02-327	110	18	were	be	AUX
ajis02-327	110	19	obtained	obtain	VERB
ajis02-327	110	20	from	from	ADP
ajis02-327	110	21	previous	previous	ADJ
ajis02-327	110	22	conceptual	conceptual	ADJ
ajis02-327	110	23	and	and	CCONJ
ajis02-327	110	24	empirical	empirical	ADJ
ajis02-327	110	25	research	research	NOUN
ajis02-327	110	26	regarding	regard	VERB
ajis02-327	110	27	electronic	electronic	ADJ
ajis02-327	110	28	markets	market	NOUN
ajis02-327	110	29	•	•	ADP
ajis02-327	110	30	these	these	PRON
ajis02-327	110	31	were	be	AUX
ajis02-327	110	32	used	use	VERB
ajis02-327	110	33	to	to	PART
ajis02-327	110	34	develop	develop	VERB
ajis02-327	110	35	an	an	DET
ajis02-327	110	36	interview	interview	NOUN
ajis02-327	110	37	guide	guide	NOUN
ajis02-327	110	38	containing	contain	VERB
ajis02-327	110	39	a	a	DET
ajis02-327	110	40	set	set	NOUN
ajis02-327	110	41	of	of	ADP
ajis02-327	110	42	exploratory	exploratory	ADJ
ajis02-327	110	43	and	and	CCONJ
ajis02-327	110	44	qualitative	qualitative	ADJ
ajis02-327	110	45	questions	question	NOUN
ajis02-327	110	46	,	,	PUNCT
ajis02-327	110	47	supplemented	supplement	VERB
ajis02-327	110	48	by	by	ADP
ajis02-327	110	49	open	open	ADJ
ajis02-327	110	50	-	-	PUNCT
ajis02-327	110	51	ended	end	VERB
ajis02-327	110	52	questions	question	NOUN
ajis02-327	110	53	•	•	ADP
ajis02-327	110	54	initial	initial	ADJ
ajis02-327	110	55	testing	testing	NOUN
ajis02-327	110	56	of	of	ADP
ajis02-327	110	57	interview	interview	NOUN
ajis02-327	110	58	guides	guide	NOUN
ajis02-327	110	59	was	be	AUX
ajis02-327	110	60	conducted	conduct	VERB
ajis02-327	110	61	with	with	ADP
ajis02-327	110	62	insurance	insurance	NOUN
ajis02-327	110	63	industry	industry	NOUN
ajis02-327	110	64	experts	expert	NOUN
ajis02-327	110	65	from	from	ADP
ajis02-327	110	66	the	the	DET
ajis02-327	110	67	independent	independent	ADJ
ajis02-327	110	68	insurance	insurance	NOUN
ajis02-327	110	69	agents	agent	NOUN
ajis02-327	110	70	of	of	ADP
ajis02-327	110	71	america	america	PROPN
ajis02-327	110	72	,	,	PUNCT
ajis02-327	110	73	inc	inc	PROPN
ajis02-327	110	74	.	.	PROPN
ajis02-327	110	75	•	•	NUM
ajis02-327	111	1	the	the	DET
ajis02-327	111	2	targeted	target	VERB
ajis02-327	111	3	sample	sample	NOUN
ajis02-327	111	4	was	be	AUX
ajis02-327	111	5	obtained	obtain	VERB
ajis02-327	111	6	from	from	ADP
ajis02-327	111	7	participation	participation	NOUN
ajis02-327	111	8	and	and	CCONJ
ajis02-327	111	9	invitation	invitation	NOUN
ajis02-327	111	10	lists	list	NOUN
ajis02-327	111	11	from	from	ADP
ajis02-327	111	12	past	past	ADJ
ajis02-327	111	13	industry	industry	NOUN
ajis02-327	111	14	events	event	NOUN
ajis02-327	111	15	and	and	CCONJ
ajis02-327	111	16	conferences	conference	NOUN
ajis02-327	111	17	related	relate	VERB
ajis02-327	111	18	to	to	ADP
ajis02-327	111	19	electronic	electronic	ADJ
ajis02-327	111	20	commerce	commerce	NOUN
ajis02-327	111	21	,	,	PUNCT
ajis02-327	111	22	the	the	DET
ajis02-327	111	23	internet	internet	NOUN
ajis02-327	111	24	and	and	CCONJ
ajis02-327	111	25	the	the	DET
ajis02-327	111	26	independent	independent	ADJ
ajis02-327	111	27	agency	agency	NOUN
ajis02-327	111	28	system	system	NOUN
ajis02-327	111	29	•	•	ADP
ajis02-327	111	30	targeted	target	VERB
ajis02-327	111	31	respondents	respondent	NOUN
ajis02-327	111	32	were	be	AUX
ajis02-327	111	33	senior	senior	ADJ
ajis02-327	111	34	and	and	CCONJ
ajis02-327	111	35	executive	executive	ADJ
ajis02-327	111	36	managers	manager	NOUN
ajis02-327	111	37	with	with	ADP
ajis02-327	111	38	.direct	.direct	PUNCT
ajis02-327	111	39	involvement	involvement	NOUN
ajis02-327	111	40	in	in	ADP
ajis02-327	111	41	internet	internet	NOUN
ajis02-327	111	42	related	relate	VERB
ajis02-327	111	43	insurance	insurance	NOUN
ajis02-327	111	44	issues	issue	NOUN
ajis02-327	112	1	•	•	NOUN
ajis02-327	112	2	organisations	organisation	NOUN
ajis02-327	112	3	contacted	contact	VERB
ajis02-327	112	4	participated	participate	VERB
ajis02-327	112	5	in	in	ADP
ajis02-327	112	6	a	a	DET
ajis02-327	112	7	broad	broad	ADJ
ajis02-327	112	8	spectrum	spectrum	NOUN
ajis02-327	112	9	of	of	ADP
ajis02-327	112	10	markets	market	NOUN
ajis02-327	112	11	with	with	ADP
ajis02-327	112	12	national	national	ADJ
ajis02-327	112	13	,	,	PUNCT
ajis02-327	112	14	regional	regional	ADJ
ajis02-327	112	15	and	and	CCONJ
ajis02-327	112	16	local	local	ADJ
ajis02-327	112	17	business	business	NOUN
ajis02-327	112	18	concerns	concern	NOUN
ajis02-327	112	19	•	•	NOUN
ajis02-327	113	1	information	information	NOUN
ajis02-327	113	2	gathered	gather	VERB
ajis02-327	113	3	was	be	AUX
ajis02-327	113	4	collected	collect	VERB
ajis02-327	113	5	through	through	ADP
ajis02-327	113	6	extensive	extensive	ADJ
ajis02-327	113	7	telephone	telephone	NOUN
ajis02-327	113	8	interviews	interview	NOUN
ajis02-327	113	9	and	and	CCONJ
ajis02-327	113	10	follow	follow	VERB
ajis02-327	113	11	-	-	PUNCT
ajis02-327	113	12	up	up	ADP
ajis02-327	113	13	conversations	conversation	NOUN
ajis02-327	113	14	•	•	NOUN
ajis02-327	113	15	in	in	ADP
ajis02-327	113	16	order	order	NOUN
ajis02-327	113	17	to	to	PART
ajis02-327	113	18	reduce	reduce	VERB
ajis02-327	113	19	respondent	respondent	NOUN
ajis02-327	113	20	bias	bias	NOUN
ajis02-327	113	21	and	and	CCONJ
ajis02-327	113	22	response	response	NOUN
ajis02-327	113	23	error	error	NOUN
ajis02-327	113	24	,	,	PUNCT
ajis02-327	113	25	information	information	NOUN
ajis02-327	113	26	collected	collect	VERB
ajis02-327	113	27	was	be	AUX
ajis02-327	113	28	not	not	PART
ajis02-327	113	29	attributed	attribute	VERB
ajis02-327	113	30	or	or	CCONJ
ajis02-327	113	31	recorded	record	VERB
ajis02-327	113	32	as	as	ADP
ajis02-327	113	33	individual	individual	ADJ
ajis02-327	113	34	or	or	CCONJ
ajis02-327	113	35	organisational	organisational	ADJ
ajis02-327	113	36	specific	specific	ADJ
ajis02-327	113	37	•	•	NOUN
ajis02-327	113	38	interview	interview	NOUN
ajis02-327	113	39	results	result	NOUN
ajis02-327	113	40	were	be	AUX
ajis02-327	113	41	reviewed	review	VERB
ajis02-327	113	42	with	with	ADP
ajis02-327	113	43	respondents	respondent	NOUN
ajis02-327	113	44	to	to	PART
ajis02-327	113	45	ensure	ensure	VERB
ajis02-327	113	46	factual	factual	ADJ
ajis02-327	113	47	consistency	consistency	NOUN
ajis02-327	113	48	sample	sample	NOUN
ajis02-327	113	49	selection	selection	NOUN
ajis02-327	113	50	as	as	SCONJ
ajis02-327	113	51	previously	previously	ADV
ajis02-327	113	52	mentioned	mention	VERB
ajis02-327	113	53	,	,	PUNCT
ajis02-327	113	54	to	to	PART
ajis02-327	113	55	assist	assist	VERB
ajis02-327	113	56	in	in	ADP
ajis02-327	113	57	reducing	reduce	VERB
ajis02-327	113	58	possible	possible	ADJ
ajis02-327	113	59	weaknesses	weakness	NOUN
ajis02-327	113	60	in	in	ADP
ajis02-327	113	61	the	the	DET
ajis02-327	113	62	study	study	NOUN
ajis02-327	113	63	the	the	DET
ajis02-327	113	64	sample	sample	NOUN
ajis02-327	113	65	population	population	NOUN
ajis02-327	113	66	was	be	AUX
ajis02-327	113	67	chosen	choose	VERB
ajis02-327	113	68	from	from	ADP
ajis02-327	113	69	insurance	insurance	NOUN
ajis02-327	113	70	companies	company	NOUN
ajis02-327	113	71	(	(	PUNCT
ajis02-327	113	72	carriers	carrier	NOUN
ajis02-327	113	73	)	)	PUNCT
ajis02-327	113	74	participating	participate	VERB
ajis02-327	113	75	in	in	ADP
ajis02-327	113	76	the	the	DET
ajis02-327	113	77	american	american	ADJ
ajis02-327	113	78	independent	independent	PROPN
ajis02-327	113	79	insurance	insurance	PROPN
ajis02-327	113	80	agency	agency	NOUN
ajis02-327	113	81	system	system	NOUN
ajis02-327	113	82	.	.	PUNCT
ajis02-327	114	1	these	these	DET
ajis02-327	114	2	insurance	insurance	NOUN
ajis02-327	114	3	carriers	carrier	NOUN
ajis02-327	114	4	use	use	VERB
ajis02-327	114	5	independent	independent	ADJ
ajis02-327	114	6	insurance	insurance	NOUN
ajis02-327	114	7	agents	agent	NOUN
ajis02-327	114	8	to	to	PART
ajis02-327	114	9	distribute	distribute	VERB
ajis02-327	114	10	,	,	PUNCT
ajis02-327	114	11	market	market	NOUN
ajis02-327	114	12	,	,	PUNCT
ajis02-327	114	13	and	and	CCONJ
ajis02-327	114	14	sell	sell	VERB
ajis02-327	114	15	their	their	PRON
ajis02-327	114	16	products	product	NOUN
ajis02-327	114	17	were	be	AUX
ajis02-327	114	18	chosen	choose	VERB
ajis02-327	114	19	due	due	ADP
ajis02-327	114	20	to	to	ADP
ajis02-327	114	21	their	their	PRON
ajis02-327	114	22	position	position	NOUN
ajis02-327	114	23	in	in	ADP
ajis02-327	114	24	the	the	DET
ajis02-327	114	25	industry	industry	NOUN
ajis02-327	114	26	value	value	NOUN
ajis02-327	114	27	chain	chain	NOUN
ajis02-327	114	28	.	.	PUNCT
ajis02-327	115	1	the	the	DET
ajis02-327	115	2	perspective	perspective	NOUN
ajis02-327	115	3	of	of	ADP
ajis02-327	115	4	insurance	insurance	NOUN
ajis02-327	115	5	carriers	carrier	NOUN
ajis02-327	115	6	was	be	AUX
ajis02-327	115	7	deemed	deem	VERB
ajis02-327	115	8	to	to	PART
ajis02-327	115	9	be	be	AUX
ajis02-327	115	10	particularly	particularly	ADV
ajis02-327	115	11	valuable	valuable	ADJ
ajis02-327	115	12	due	due	ADP
ajis02-327	115	13	to	to	ADP
ajis02-327	115	14	their	their	PRON
ajis02-327	115	15	ability	ability	NOUN
ajis02-327	115	16	to	to	PART
ajis02-327	115	17	potentially	potentially	ADV
ajis02-327	115	18	change	change	VERB
ajis02-327	115	19	distribution	distribution	NOUN
ajis02-327	115	20	channel	channel	NOUN
ajis02-327	115	21	methods	method	NOUN
ajis02-327	115	22	should	should	AUX
ajis02-327	115	23	market	market	VERB
ajis02-327	115	24	and	and	CCONJ
ajis02-327	115	25	competitive	competitive	ADJ
ajis02-327	115	26	forces	force	NOUN
ajis02-327	115	27	change	change	VERB
ajis02-327	115	28	.	.	PUNCT
ajis02-327	116	1	also	also	ADV
ajis02-327	116	2	,	,	PUNCT
ajis02-327	116	3	the	the	DET
ajis02-327	116	4	companies	company	NOUN
ajis02-327	116	5	targeted	target	VERB
ajis02-327	116	6	have	have	AUX
ajis02-327	116	7	all	all	PRON
ajis02-327	116	8	created	create	VERB
ajis02-327	116	9	a	a	DET
ajis02-327	116	10	presence	presence	NOUN
ajis02-327	116	11	on	on	ADP
ajis02-327	116	12	the	the	DET
ajis02-327	116	13	world	world	NOUN
ajis02-327	116	14	wide	wide	ADJ
ajis02-327	116	15	web	web	NOUN
ajis02-327	116	16	.	.	PUNCT
ajis02-327	116	17	to	to	PART
ajis02-327	116	18	identify	identify	VERB
ajis02-327	116	19	key	key	ADJ
ajis02-327	116	20	informants	informant	NOUN
ajis02-327	116	21	with	with	ADP
ajis02-327	116	22	knowledge	knowledge	NOUN
ajis02-327	116	23	of	of	ADP
ajis02-327	116	24	insurance	insurance	NOUN
ajis02-327	116	25	,	,	PUNCT
ajis02-327	116	26	the	the	DET
ajis02-327	116	27	independent	independent	ADJ
ajis02-327	116	28	agency	agency	NOUN
ajis02-327	116	29	distribution	distribution	NOUN
ajis02-327	116	30	channel	channel	NOUN
ajis02-327	116	31	,	,	PUNCT
ajis02-327	116	32	electronic	electronic	ADJ
ajis02-327	116	33	commerce	commerce	NOUN
ajis02-327	116	34	and	and	CCONJ
ajis02-327	116	35	the	the	DET
ajis02-327	116	36	internet	internet	NOUN
ajis02-327	116	37	,	,	PUNCT
ajis02-327	116	38	respondents	respondent	NOUN
ajis02-327	116	39	were	be	AUX
ajis02-327	116	40	selected	select	VERB
ajis02-327	116	41	from	from	ADP
ajis02-327	116	42	relevant	relevant	ADJ
ajis02-327	116	43	industry	industry	NOUN
ajis02-327	116	44	event	event	NOUN
ajis02-327	116	45	and	and	CCONJ
ajis02-327	116	46	coalition	coalition	NOUN
ajis02-327	116	47	lists	list	NOUN
ajis02-327	116	48	.	.	PUNCT
ajis02-327	117	1	respondents	respondent	NOUN
ajis02-327	117	2	were	be	AUX
ajis02-327	117	3	senior	senior	ADJ
ajis02-327	117	4	and	and	CCONJ
ajis02-327	117	5	executive	executive	ADJ
ajis02-327	117	6	level	level	NOUN
ajis02-327	117	7	managers	manager	NOUN
ajis02-327	117	8	with	with	ADP
ajis02-327	117	9	direct	direct	ADJ
ajis02-327	117	10	involvement	involvement	NOUN
ajis02-327	117	11	in	in	ADP
ajis02-327	117	12	internet	internet	NOUN
ajis02-327	117	13	related	relate	VERB
ajis02-327	117	14	insurance	insurance	NOUN
ajis02-327	117	15	issues	issue	NOUN
ajis02-327	117	16	from	from	ADP
ajis02-327	117	17	established	establish	VERB
ajis02-327	117	18	,	,	PUNCT
ajis02-327	117	19	well	well	ADV
ajis02-327	117	20	-	-	PUNCT
ajis02-327	117	21	rated	rate	VERB
ajis02-327	117	22	insurance	insurance	NOUN
ajis02-327	117	23	organisations	organisation	NOUN
ajis02-327	117	24	with	with	ADP
ajis02-327	117	25	substantial	substantial	ADJ
ajis02-327	117	26	asset	asset	NOUN
ajis02-327	117	27	levels	level	NOUN
ajis02-327	117	28	firms	firm	NOUN
ajis02-327	117	29	participating	participate	VERB
ajis02-327	117	30	in	in	ADP
ajis02-327	117	31	a	a	DET
ajis02-327	117	32	range	range	NOUN
ajis02-327	117	33	of	of	ADP
ajis02-327	117	34	markets	market	NOUN
ajis02-327	117	35	with	with	ADP
ajis02-327	117	36	national	national	ADJ
ajis02-327	117	37	,	,	PUNCT
ajis02-327	117	38	regional	regional	ADJ
ajis02-327	117	39	and	and	CCONJ
ajis02-327	117	40	local	local	ADJ
ajis02-327	117	41	business	business	NOUN
ajis02-327	117	42	concerns	concern	NOUN
ajis02-327	117	43	.	.	PUNCT
ajis02-327	118	1	data	datum	NOUN
ajis02-327	118	2	collection	collection	NOUN
ajis02-327	118	3	to	to	PART
ajis02-327	118	4	facilitate	facilitate	VERB
ajis02-327	118	5	maximum	maximum	ADJ
ajis02-327	118	6	participation	participation	NOUN
ajis02-327	118	7	in	in	ADP
ajis02-327	118	8	the	the	DET
ajis02-327	118	9	study	study	NOUN
ajis02-327	118	10	from	from	ADP
ajis02-327	118	11	the	the	DET
ajis02-327	118	12	sample	sample	NOUN
ajis02-327	118	13	population	population	NOUN
ajis02-327	118	14	numerous	numerous	ADJ
ajis02-327	118	15	steps	step	NOUN
ajis02-327	118	16	were	be	AUX
ajis02-327	118	17	taken	take	VERB
ajis02-327	118	18	.	.	PUNCT
ajis02-327	119	1	pretesting	preteste	VERB
ajis02-327	119	2	,	,	PUNCT
ajis02-327	119	3	relying	rely	VERB
ajis02-327	119	4	on	on	ADP
ajis02-327	119	5	colleagues	colleague	NOUN
ajis02-327	119	6	,	,	PUNCT
ajis02-327	119	7	respondent	respondent	NOUN
ajis02-327	119	8	surrogates	surrogate	NOUN
ajis02-327	119	9	,	,	PUNCT
ajis02-327	119	10	or	or	CCONJ
ajis02-327	119	11	actual	actual	ADJ
ajis02-327	119	12	respondents	respondent	NOUN
ajis02-327	119	13	to	to	PART
ajis02-327	119	14	evaluate	evaluate	VERB
ajis02-327	119	15	and	and	CCONJ
ajis02-327	119	16	refine	refine	VERB
ajis02-327	119	17	the	the	DET
ajis02-327	119	18	interview	interview	NOUN
ajis02-327	119	19	guide	guide	NOUN
ajis02-327	119	20	,	,	PUNCT
ajis02-327	119	21	was	be	AUX
ajis02-327	119	22	conducted	conduct	VERB
ajis02-327	119	23	to	to	PART
ajis02-327	119	24	examine	examine	VERB
ajis02-327	119	25	respondent	respondent	NOUN
ajis02-327	119	26	interest	interest	NOUN
ajis02-327	119	27	,	,	PUNCT
ajis02-327	119	28	meaning	meaning	NOUN
ajis02-327	119	29	,	,	PUNCT
ajis02-327	119	30	question	question	NOUN
ajis02-327	119	31	transformation	transformation	NOUN
ajis02-327	119	32	,	,	PUNCT
ajis02-327	119	33	continuity	continuity	NOUN
ajis02-327	119	34	and	and	CCONJ
ajis02-327	119	35	flow	flow	NOUN
ajis02-327	119	36	,	,	PUNCT
ajis02-327	119	37	question	question	NOUN
ajis02-327	119	38	sequence	sequence	NOUN
ajis02-327	119	39	,	,	PUNCT
ajis02-327	119	40	skip	skip	ADJ
ajis02-327	119	41	patterns	pattern	NOUN
ajis02-327	119	42	,	,	PUNCT
ajis02-327	119	43	variability	variability	NOUN
ajis02-327	119	44	,	,	PUNCT
ajis02-327	119	45	and	and	CCONJ
ajis02-327	119	46	length	length	NOUN
ajis02-327	119	47	(	(	PUNCT
ajis02-327	119	48	cooper	cooper	NOUN
ajis02-327	119	49	and	and	CCONJ
ajis02-327	119	50	emory	emory	PROPN
ajis02-327	119	51	1995,317	1995,317	NUM
ajis02-327	119	52	-	-	SYM
ajis02-327	119	53	321	321	NUM
ajis02-327	119	54	)	)	PUNCT
ajis02-327	119	55	.	.	PUNCT
ajis02-327	120	1	study	study	NOUN
ajis02-327	120	2	respondents	respondent	NOUN
ajis02-327	120	3	were	be	AUX
ajis02-327	120	4	contacted	contact	VERB
ajis02-327	120	5	over	over	ADP
ajis02-327	120	6	the	the	DET
ajis02-327	120	7	telephone	telephone	NOUN
ajis02-327	120	8	to	to	PART
ajis02-327	120	9	confirm	confirm	VERB
ajis02-327	120	10	their	their	PRON
ajis02-327	120	11	ability	ability	NOUN
ajis02-327	120	12	to	to	PART
ajis02-327	120	13	provide	provide	VERB
ajis02-327	120	14	adequate	adequate	ADJ
ajis02-327	120	15	target	target	NOUN
ajis02-327	120	16	data	datum	NOUN
ajis02-327	120	17	.	.	PUNCT
ajis02-327	121	1	initial	initial	ADJ
ajis02-327	121	2	telephone	telephone	NOUN
ajis02-327	121	3	contact	contact	NOUN
ajis02-327	121	4	consisted	consist	VERB
ajis02-327	121	5	of	of	ADP
ajis02-327	121	6	a	a	DET
ajis02-327	121	7	brief	brief	ADJ
ajis02-327	121	8	introduction	introduction	NOUN
ajis02-327	121	9	,	,	PUNCT
ajis02-327	121	10	the	the	DET
ajis02-327	121	11	purpose	purpose	NOUN
ajis02-327	121	12	of	of	ADP
ajis02-327	121	13	the	the	DET
ajis02-327	121	14	study	study	NOUN
ajis02-327	121	15	,	,	PUNCT
ajis02-327	121	16	estimated	estimate	VERB
ajis02-327	121	17	time	time	NOUN
ajis02-327	121	18	for	for	ADP
ajis02-327	121	19	the	the	DET
ajis02-327	121	20	interview	interview	NOUN
ajis02-327	121	21	and	and	CCONJ
ajis02-327	121	22	a	a	DET
ajis02-327	121	23	summary	summary	NOUN
ajis02-327	121	24	of	of	ADP
ajis02-327	121	25	topics	topic	NOUN
ajis02-327	121	26	to	to	PART
ajis02-327	121	27	be	be	AUX
ajis02-327	121	28	covered	cover	VERB
ajis02-327	121	29	during	during	ADP
ajis02-327	121	30	the	the	DET
ajis02-327	121	31	interview	interview	NOUN
ajis02-327	121	32	.	.	PUNCT
ajis02-327	122	1	specific	specific	ADJ
ajis02-327	122	2	appointments	appointment	NOUN
ajis02-327	122	3	were	be	AUX
ajis02-327	122	4	made	make	VERB
ajis02-327	122	5	with	with	ADP
ajis02-327	122	6	the	the	DET
ajis02-327	122	7	respondents	respondent	NOUN
ajis02-327	122	8	to	to	PART
ajis02-327	122	9	arrange	arrange	VERB
ajis02-327	122	10	for	for	ADP
ajis02-327	122	11	an	an	DET
ajis02-327	122	12	appropriate	appropriate	ADJ
ajis02-327	122	13	interview	interview	NOUN
ajis02-327	122	14	time	time	NOUN
ajis02-327	122	15	and	and	CCONJ
ajis02-327	122	16	setting	setting	NOUN
ajis02-327	122	17	.	.	PUNCT
ajis02-327	123	1	on	on	ADP
ajis02-327	123	2	subsequent	subsequent	ADJ
ajis02-327	123	3	contact	contact	NOUN
ajis02-327	123	4	to	to	PART
ajis02-327	123	5	conduct	conduct	VERB
ajis02-327	123	6	the	the	DET
ajis02-327	123	7	interview	interview	NOUN
ajis02-327	123	8	,	,	PUNCT
ajis02-327	123	9	the	the	DET
ajis02-327	123	10	respondents	respondent	NOUN
ajis02-327	123	11	were	be	AUX
ajis02-327	123	12	reminded	remind	VERB
ajis02-327	123	13	of	of	ADP
ajis02-327	123	14	the	the	DET
ajis02-327	123	15	purpose	purpose	NOUN
ajis02-327	123	16	and	and	CCONJ
ajis02-327	123	17	nature	nature	NOUN
ajis02-327	123	18	of	of	ADP
ajis02-327	123	19	the	the	DET
ajis02-327	123	20	study	study	NOUN
ajis02-327	123	21	,	,	PUNCT
ajis02-327	123	22	and	and	CCONJ
ajis02-327	123	23	topics	topic	NOUN
ajis02-327	123	24	to	to	PART
ajis02-327	123	25	be	be	AUX
ajis02-327	123	26	discussed	discuss	VERB
ajis02-327	123	27	.	.	PUNCT
ajis02-327	124	1	before	before	ADP
ajis02-327	124	2	starting	start	VERB
ajis02-327	124	3	the	the	DET
ajis02-327	124	4	interview	interview	NOUN
ajis02-327	124	5	the	the	DET
ajis02-327	124	6	researcher	researcher	NOUN
ajis02-327	124	7	asked	ask	VERB
ajis02-327	124	8	respondents	respondent	NOUN
ajis02-327	124	9	if	if	SCONJ
ajis02-327	124	10	they	they	PRON
ajis02-327	124	11	had	have	VERB
ajis02-327	124	12	any	any	DET
ajis02-327	124	13	comments	comment	NOUN
ajis02-327	124	14	or	or	CCONJ
ajis02-327	124	15	questions	question	NOUN
ajis02-327	124	16	regarding	regard	VERB
ajis02-327	124	17	the	the	DET
ajis02-327	124	18	process	process	NOUN
ajis02-327	124	19	.	.	PUNCT
ajis02-327	125	1	during	during	ADP
ajis02-327	125	2	a	a	DET
ajis02-327	125	3	three	three	NUM
ajis02-327	125	4	week	week	NOUN
ajis02-327	125	5	time	time	NOUN
ajis02-327	125	6	period	period	NOUN
ajis02-327	125	7	a	a	DET
ajis02-327	125	8	total	total	NOUN
ajis02-327	125	9	of	of	ADP
ajis02-327	125	10	19	19	NUM
ajis02-327	125	11	respondents	respondent	NOUN
ajis02-327	125	12	from	from	ADP
ajis02-327	125	13	17	17	NUM
ajis02-327	125	14	organisations	organisation	NOUN
ajis02-327	125	15	were	be	AUX
ajis02-327	125	16	interviewed	interview	VERB
ajis02-327	125	17	for	for	ADP
ajis02-327	125	18	one	one	NUM
ajis02-327	125	19	hour	hour	NOUN
ajis02-327	125	20	each	each	PRON
ajis02-327	125	21	.	.	PUNCT
ajis02-327	126	1	following	follow	VERB
ajis02-327	126	2	the	the	DET
ajis02-327	126	3	interviews	interview	NOUN
ajis02-327	126	4	,	,	PUNCT
ajis02-327	126	5	data	datum	NOUN
ajis02-327	126	6	gathered	gather	VERB
ajis02-327	126	7	was	be	AUX
ajis02-327	126	8	reviewed	review	VERB
ajis02-327	126	9	with	with	ADP
ajis02-327	126	10	respondents	respondent	NOUN
ajis02-327	126	11	to	to	PART
ajis02-327	126	12	ensure	ensure	VERB
ajis02-327	126	13	factual	factual	ADJ
ajis02-327	126	14	consistency	consistency	NOUN
ajis02-327	126	15	.	.	PUNCT
ajis02-327	127	1	28	28	NUM
ajis02-327	127	2	ajis	ajis	PROPN
ajis02-327	127	3	special	special	PROPN
ajis02-327	127	4	edition	edition	PROPN
ajis02-327	127	5	electronic	electronic	PROPN
ajis02-327	127	6	commerce	commerce	PROPN
ajis02-327	127	7	november	november	PROPN
ajis02-327	127	8	1998	1998	NUM
ajis02-327	127	9	research	research	NOUN
ajis02-327	127	10	findings	finding	VERB
ajis02-327	127	11	the	the	DET
ajis02-327	127	12	findings	finding	NOUN
ajis02-327	127	13	clearly	clearly	ADV
ajis02-327	127	14	indicate	indicate	VERB
ajis02-327	127	15	insurance	insurance	NOUN
ajis02-327	127	16	companies	company	NOUN
ajis02-327	127	17	are	be	AUX
ajis02-327	127	18	integrating	integrate	VERB
ajis02-327	127	19	the	the	DET
ajis02-327	127	20	internet	internet	NOUN
ajis02-327	127	21	and	and	CCONJ
ajis02-327	127	22	internet	internet	NOUN
ajis02-327	127	23	-	-	PUNCT
ajis02-327	127	24	related	relate	VERB
ajis02-327	127	25	technologies	technology	NOUN
ajis02-327	127	26	into	into	ADP
ajis02-327	127	27	their	their	PRON
ajis02-327	127	28	business	business	NOUN
ajis02-327	127	29	processes	process	NOUN
ajis02-327	127	30	,	,	PUNCT
ajis02-327	127	31	and	and	CCONJ
ajis02-327	127	32	are	be	AUX
ajis02-327	127	33	moving	move	VERB
ajis02-327	127	34	towards	towards	ADP
ajis02-327	127	35	increased	increase	VERB
ajis02-327	127	36	reliance	reliance	NOUN
ajis02-327	127	37	on	on	ADP
ajis02-327	127	38	the	the	DET
ajis02-327	127	39	internet	internet	NOUN
ajis02-327	127	40	to	to	PART
ajis02-327	127	41	serve	serve	VERB
ajis02-327	127	42	as	as	ADP
ajis02-327	127	43	an	an	DET
ajis02-327	127	44	electronic	electronic	ADJ
ajis02-327	127	45	commerce	commerce	NOUN
ajis02-327	127	46	medium	medium	NOUN
ajis02-327	127	47	.	.	PUNCT
ajis02-327	128	1	electronic	electronic	ADJ
ajis02-327	128	2	communication	communication	NOUN
ajis02-327	128	3	effect	effect	NOUN
ajis02-327	128	4	the	the	DET
ajis02-327	128	5	refers	refer	NOUN
ajis02-327	128	6	to	to	ADP
ajis02-327	128	7	the	the	DET
ajis02-327	128	8	internet	internet	NOUN
ajis02-327	128	9	's	's	PART
ajis02-327	128	10	ability	ability	NOUN
ajis02-327	128	11	to	to	PART
ajis02-327	128	12	communicate	communicate	VERB
ajis02-327	128	13	more	more	ADJ
ajis02-327	128	14	information	information	NOUN
ajis02-327	128	15	in	in	ADP
ajis02-327	128	16	the	the	DET
ajis02-327	128	17	same	same	ADJ
ajis02-327	128	18	amount	amount	NOUN
ajis02-327	128	19	of	of	ADP
ajis02-327	128	20	time	time	NOUN
ajis02-327	128	21	and	and	CCONJ
ajis02-327	128	22	decrease	decrease	VERB
ajis02-327	128	23	the	the	DET
ajis02-327	128	24	costs	cost	NOUN
ajis02-327	128	25	of	of	ADP
ajis02-327	128	26	communication	communication	NOUN
ajis02-327	128	27	(	(	PUNCT
ajis02-327	128	28	malone	malone	PROPN
ajis02-327	128	29	,	,	PUNCT
ajis02-327	128	30	yates	yates	PROPN
ajis02-327	128	31	and	and	CCONJ
ajis02-327	128	32	benjamin	benjamin	PROPN
ajis02-327	128	33	1987	1987	NUM
ajis02-327	128	34	)	)	PUNCT
ajis02-327	128	35	.	.	PUNCT
ajis02-327	129	1	after	after	ADP
ajis02-327	129	2	reviewing	review	VERB
ajis02-327	129	3	the	the	DET
ajis02-327	129	4	interview	interview	NOUN
ajis02-327	129	5	data	datum	NOUN
ajis02-327	129	6	the	the	DET
ajis02-327	129	7	findings	finding	NOUN
ajis02-327	129	8	can	can	AUX
ajis02-327	129	9	be	be	AUX
ajis02-327	129	10	grouped	group	VERB
ajis02-327	129	11	into	into	ADP
ajis02-327	129	12	the	the	DET
ajis02-327	129	13	nature	nature	NOUN
ajis02-327	129	14	of	of	ADP
ajis02-327	129	15	communication	communication	NOUN
ajis02-327	129	16	,	,	PUNCT
ajis02-327	129	17	scope	scope	NOUN
ajis02-327	129	18	and	and	CCONJ
ajis02-327	129	19	structure	structure	NOUN
ajis02-327	129	20	,	,	PUNCT
ajis02-327	129	21	types	type	NOUN
ajis02-327	129	22	and	and	CCONJ
ajis02-327	129	23	alternative	alternative	ADJ
ajis02-327	129	24	means	mean	NOUN
ajis02-327	129	25	of	of	ADP
ajis02-327	129	26	communication	communication	NOUN
ajis02-327	129	27	.	.	PUNCT
ajis02-327	130	1	nature	nature	NOUN
ajis02-327	130	2	of	of	ADP
ajis02-327	130	3	communication	communication	NOUN
ajis02-327	130	4	the	the	DET
ajis02-327	130	5	internet	internet	NOUN
ajis02-327	130	6	's	's	PART
ajis02-327	130	7	impact	impact	NOUN
ajis02-327	130	8	on	on	ADP
ajis02-327	130	9	organisational	organisational	ADJ
ajis02-327	130	10	communication	communication	NOUN
ajis02-327	130	11	was	be	AUX
ajis02-327	130	12	found	find	VERB
ajis02-327	130	13	to	to	PART
ajis02-327	130	14	vary	vary	VERB
ajis02-327	130	15	according	accord	VERB
ajis02-327	130	16	to	to	ADP
ajis02-327	130	17	organisational	organisational	ADJ
ajis02-327	130	18	perspective	perspective	NOUN
ajis02-327	130	19	.	.	PUNCT
ajis02-327	131	1	the	the	DET
ajis02-327	131	2	primary	primary	ADJ
ajis02-327	131	3	finding	finding	NOUN
ajis02-327	131	4	in	in	ADP
ajis02-327	131	5	this	this	DET
ajis02-327	131	6	area	area	NOUN
ajis02-327	131	7	,	,	PUNCT
ajis02-327	131	8	as	as	SCONJ
ajis02-327	131	9	stated	state	VERB
ajis02-327	131	10	by	by	ADP
ajis02-327	131	11	one	one	NUM
ajis02-327	131	12	respondent	respondent	NOUN
ajis02-327	131	13	,	,	PUNCT
ajis02-327	131	14	was	be	AUX
ajis02-327	131	15	,	,	PUNCT
ajis02-327	131	16	"	"	PUNCT
ajis02-327	131	17	...	...	PUNCT
ajis02-327	131	18	use	use	NOUN
ajis02-327	131	19	of	of	ADP
ajis02-327	131	20	the	the	DET
ajis02-327	131	21	internet	internet	NOUN
ajis02-327	131	22	is	be	AUX
ajis02-327	131	23	definitely	definitely	ADV
ajis02-327	131	24	a	a	DET
ajis02-327	131	25	revolution	revolution	NOUN
ajis02-327	131	26	taking	take	VERB
ajis02-327	131	27	place	place	NOUN
ajis02-327	131	28	within	within	ADP
ajis02-327	131	29	forward	forward	ADV
ajis02-327	131	30	-	-	PUNCT
ajis02-327	131	31	thinking	think	VERB
ajis02-327	131	32	organisations	organisation	NOUN
ajis02-327	131	33	,	,	PUNCT
ajis02-327	131	34	especially	especially	ADV
ajis02-327	131	35	with	with	ADP
ajis02-327	131	36	the	the	DET
ajis02-327	131	37	strategic	strategic	ADJ
ajis02-327	131	38	development	development	NOUN
ajis02-327	131	39	of	of	ADP
ajis02-327	131	40	intranet	intranet	NOUN
ajis02-327	131	41	and	and	CCONJ
ajis02-327	131	42	internet	internet	NOUN
ajis02-327	131	43	technologies	technology	NOUN
ajis02-327	131	44	.	.	PUNCT
ajis02-327	131	45	"	"	PUNCT
ajis02-327	132	1	the	the	DET
ajis02-327	132	2	previous	previous	ADJ
ajis02-327	132	3	statement	statement	NOUN
ajis02-327	132	4	was	be	AUX
ajis02-327	132	5	supported	support	VERB
ajis02-327	132	6	by	by	ADP
ajis02-327	132	7	the	the	DET
ajis02-327	132	8	following	follow	VERB
ajis02-327	132	9	data	datum	NOUN
ajis02-327	132	10	:	:	PUNCT
ajis02-327	132	11	•	•	ADP
ajis02-327	132	12	assuming	assume	VERB
ajis02-327	132	13	proper	proper	ADJ
ajis02-327	132	14	management	management	NOUN
ajis02-327	132	15	methods	method	NOUN
ajis02-327	132	16	,	,	PUNCT
ajis02-327	132	17	respondents	respondent	NOUN
ajis02-327	132	18	considered	consider	VERB
ajis02-327	132	19	that	that	SCONJ
ajis02-327	132	20	the	the	DET
ajis02-327	132	21	costs	cost	NOUN
ajis02-327	132	22	of	of	ADP
ajis02-327	132	23	industry	industry	NOUN
ajis02-327	132	24	communication	communication	NOUN
ajis02-327	132	25	will	will	AUX
ajis02-327	132	26	decrease	decrease	VERB
ajis02-327	132	27	dramatically	dramatically	ADV
ajis02-327	132	28	as	as	SCONJ
ajis02-327	132	29	more	more	ADJ
ajis02-327	132	30	information	information	NOUN
ajis02-327	132	31	is	be	AUX
ajis02-327	132	32	distributed	distribute	VERB
ajis02-327	132	33	through	through	ADP
ajis02-327	132	34	the	the	DET
ajis02-327	132	35	internet	internet	NOUN
ajis02-327	132	36	(	(	PUNCT
ajis02-327	132	37	attributed	attribute	VERB
ajis02-327	132	38	to	to	ADP
ajis02-327	132	39	reductions	reduction	NOUN
ajis02-327	132	40	in	in	ADP
ajis02-327	132	41	content	content	NOUN
ajis02-327	132	42	production	production	NOUN
ajis02-327	132	43	,	,	PUNCT
ajis02-327	132	44	distribution	distribution	NOUN
ajis02-327	132	45	,	,	PUNCT
ajis02-327	132	46	postal	postal	ADJ
ajis02-327	132	47	delivery	delivery	NOUN
ajis02-327	132	48	,	,	PUNCT
ajis02-327	132	49	and	and	CCONJ
ajis02-327	132	50	content	content	NOUN
ajis02-327	132	51	maintenance	maintenance	NOUN
ajis02-327	132	52	costs	cost	NOUN
ajis02-327	132	53	)	)	PUNCT
ajis02-327	132	54	•	•	NUM
ajis02-327	132	55	communication	communication	NOUN
ajis02-327	132	56	effectiveness	effectiveness	NOUN
ajis02-327	132	57	will	will	AUX
ajis02-327	132	58	increase	increase	VERB
ajis02-327	132	59	as	as	SCONJ
ajis02-327	132	60	information	information	NOUN
ajis02-327	132	61	is	be	AUX
ajis02-327	132	62	customised	customise	VERB
ajis02-327	132	63	and	and	CCONJ
ajis02-327	132	64	tailored	tailor	VERB
ajis02-327	132	65	to	to	ADP
ajis02-327	132	66	individual	individual	ADJ
ajis02-327	132	67	and	and	CCONJ
ajis02-327	132	68	organisational	organisational	ADJ
ajis02-327	132	69	needs	need	NOUN
ajis02-327	132	70	•	•	ADP
ajis02-327	132	71	the	the	DET
ajis02-327	132	72	internet	internet	NOUN
ajis02-327	132	73	has	have	VERB
ajis02-327	132	74	the	the	DET
ajis02-327	132	75	potential	potential	NOUN
ajis02-327	132	76	to	to	PART
ajis02-327	132	77	service	service	VERB
ajis02-327	132	78	the	the	DET
ajis02-327	132	79	insurance	insurance	NOUN
ajis02-327	132	80	triad	triad	NOUN
ajis02-327	132	81	(	(	PUNCT
ajis02-327	132	82	consumer	consumer	NOUN
ajis02-327	132	83	,	,	PUNCT
ajis02-327	132	84	agent	agent	NOUN
ajis02-327	132	85	and	and	CCONJ
ajis02-327	132	86	company	company	NOUN
ajis02-327	132	87	)	)	PUNCT
ajis02-327	132	88	as	as	ADP
ajis02-327	132	89	an	an	DET
ajis02-327	132	90	open	open	ADJ
ajis02-327	132	91	communications	communication	NOUN
ajis02-327	132	92	network	network	NOUN
ajis02-327	132	93	with	with	ADP
ajis02-327	132	94	platform	platform	NOUN
ajis02-327	132	95	independence	independence	NOUN
ajis02-327	132	96	•	•	ADP
ajis02-327	132	97	the	the	DET
ajis02-327	132	98	internet	internet	NOUN
ajis02-327	132	99	allows	allow	VERB
ajis02-327	132	100	for	for	ADP
ajis02-327	132	101	more	more	ADV
ajis02-327	132	102	timely	timely	ADJ
ajis02-327	132	103	,	,	PUNCT
ajis02-327	132	104	convenient	convenient	ADJ
ajis02-327	132	105	,	,	PUNCT
ajis02-327	132	106	and	and	CCONJ
ajis02-327	132	107	current	current	ADJ
ajis02-327	132	108	information	information	NOUN
ajis02-327	132	109	to	to	PART
ajis02-327	132	110	be	be	AUX
ajis02-327	132	111	communicated	communicate	VERB
ajis02-327	132	112	for	for	ADP
ajis02-327	132	113	customer	customer	NOUN
ajis02-327	132	114	consumption	consumption	NOUN
ajis02-327	132	115	however	however	ADV
ajis02-327	132	116	,	,	PUNCT
ajis02-327	132	117	with	with	ADP
ajis02-327	132	118	the	the	DET
ajis02-327	132	119	change	change	NOUN
ajis02-327	132	120	in	in	ADP
ajis02-327	132	121	the	the	DET
ajis02-327	132	122	nature	nature	NOUN
ajis02-327	132	123	and	and	CCONJ
ajis02-327	132	124	medium	medium	NOUN
ajis02-327	132	125	of	of	ADP
ajis02-327	132	126	communication	communication	NOUN
ajis02-327	132	127	,	,	PUNCT
ajis02-327	132	128	other	other	ADJ
ajis02-327	132	129	issues	issue	NOUN
ajis02-327	132	130	of	of	ADP
ajis02-327	132	131	concern	concern	NOUN
ajis02-327	132	132	emerged	emerge	VERB
ajis02-327	132	133	.	.	PUNCT
ajis02-327	133	1	respondents	respondent	NOUN
ajis02-327	133	2	were	be	AUX
ajis02-327	133	3	concerned	concerned	ADJ
ajis02-327	133	4	about	about	ADP
ajis02-327	133	5	long	long	ADJ
ajis02-327	133	6	term	term	NOUN
ajis02-327	133	7	issues	issue	NOUN
ajis02-327	133	8	such	such	ADJ
ajis02-327	133	9	as	as	ADP
ajis02-327	133	10	information	information	NOUN
ajis02-327	133	11	structure	structure	NOUN
ajis02-327	133	12	and	and	CCONJ
ajis02-327	133	13	engagement	engagement	NOUN
ajis02-327	133	14	,	,	PUNCT
ajis02-327	133	15	education	education	NOUN
ajis02-327	133	16	processes	process	NOUN
ajis02-327	133	17	,	,	PUNCT
ajis02-327	133	18	and	and	CCONJ
ajis02-327	133	19	servicing	servicing	NOUN
ajis02-327	133	20	abilities	ability	NOUN
ajis02-327	133	21	.	.	PUNCT
ajis02-327	134	1	these	these	DET
ajis02-327	134	2	dimensions	dimension	NOUN
ajis02-327	134	3	of	of	ADP
ajis02-327	134	4	the	the	DET
ajis02-327	134	5	internet	internet	NOUN
ajis02-327	134	6	remain	remain	VERB
ajis02-327	134	7	superficially	superficially	ADV
ajis02-327	134	8	explored	explore	VERB
ajis02-327	134	9	and	and	CCONJ
ajis02-327	134	10	were	be	AUX
ajis02-327	134	11	noted	note	VERB
ajis02-327	134	12	as	as	ADP
ajis02-327	134	13	needing	need	VERB
ajis02-327	134	14	further	further	ADJ
ajis02-327	134	15	analysis	analysis	NOUN
ajis02-327	134	16	to	to	PART
ajis02-327	134	17	be	be	AUX
ajis02-327	134	18	fully	fully	ADV
ajis02-327	134	19	understood	understand	VERB
ajis02-327	134	20	.	.	PUNCT
ajis02-327	135	1	another	another	DET
ajis02-327	135	2	concern	concern	NOUN
ajis02-327	135	3	was	be	AUX
ajis02-327	135	4	the	the	DET
ajis02-327	135	5	internet	internet	NOUN
ajis02-327	135	6	's	's	PART
ajis02-327	135	7	current	current	ADJ
ajis02-327	135	8	passive	passive	ADJ
ajis02-327	135	9	nature	nature	NOUN
ajis02-327	135	10	in	in	ADP
ajis02-327	135	11	which	which	PRON
ajis02-327	135	12	information	information	NOUN
ajis02-327	135	13	providers	provider	NOUN
ajis02-327	135	14	are	be	AUX
ajis02-327	135	15	given	give	VERB
ajis02-327	135	16	little	little	ADJ
ajis02-327	135	17	control	control	NOUN
ajis02-327	135	18	over	over	ADP
ajis02-327	135	19	information	information	NOUN
ajis02-327	135	20	consumption	consumption	NOUN
ajis02-327	135	21	.	.	PUNCT
ajis02-327	136	1	currently	currently	ADV
ajis02-327	136	2	the	the	DET
ajis02-327	136	3	manner	manner	NOUN
ajis02-327	136	4	in	in	ADP
ajis02-327	136	5	which	which	PRON
ajis02-327	136	6	information	information	NOUN
ajis02-327	136	7	is	be	AUX
ajis02-327	136	8	accessed	access	VERB
ajis02-327	136	9	and	and	CCONJ
ajis02-327	136	10	consumed	consume	VERB
ajis02-327	136	11	is	be	AUX
ajis02-327	136	12	determined	determine	VERB
ajis02-327	136	13	by	by	ADP
ajis02-327	136	14	internet	internet	NOUN
ajis02-327	136	15	browsers	browser	NOUN
ajis02-327	136	16	.	.	PUNCT
ajis02-327	137	1	thus	thus	ADV
ajis02-327	137	2	,	,	PUNCT
ajis02-327	137	3	the	the	DET
ajis02-327	137	4	value	value	NOUN
ajis02-327	137	5	of	of	ADP
ajis02-327	137	6	communication	communication	NOUN
ajis02-327	137	7	structure	structure	NOUN
ajis02-327	137	8	was	be	AUX
ajis02-327	137	9	seen	see	VERB
ajis02-327	137	10	as	as	ADP
ajis02-327	137	11	becoming	become	VERB
ajis02-327	137	12	increasingly	increasingly	ADV
ajis02-327	137	13	important	important	ADJ
ajis02-327	137	14	.	.	PUNCT
ajis02-327	138	1	communication	communication	NOUN
ajis02-327	138	2	scope	scope	NOUN
ajis02-327	138	3	and	and	CCONJ
ajis02-327	138	4	structure	structure	VERB
ajis02-327	138	5	the	the	DET
ajis02-327	138	6	internet	internet	NOUN
ajis02-327	138	7	's	's	PART
ajis02-327	138	8	national	national	ADJ
ajis02-327	138	9	and	and	CCONJ
ajis02-327	138	10	international	international	ADJ
ajis02-327	138	11	user	user	NOUN
ajis02-327	138	12	base	base	NOUN
ajis02-327	138	13	allows	allow	VERB
ajis02-327	138	14	organisational	organisational	ADJ
ajis02-327	138	15	information	information	NOUN
ajis02-327	138	16	to	to	PART
ajis02-327	138	17	be	be	AUX
ajis02-327	138	18	communicated	communicate	VERB
ajis02-327	138	19	to	to	ADP
ajis02-327	138	20	a	a	DET
ajis02-327	138	21	broader	broad	ADJ
ajis02-327	138	22	audience	audience	NOUN
ajis02-327	138	23	and	and	CCONJ
ajis02-327	138	24	in	in	ADP
ajis02-327	138	25	greater	great	ADJ
ajis02-327	138	26	depth	depth	NOUN
ajis02-327	138	27	.	.	PUNCT
ajis02-327	139	1	while	while	SCONJ
ajis02-327	139	2	the	the	DET
ajis02-327	139	3	manner	manner	NOUN
ajis02-327	139	4	in	in	ADP
ajis02-327	139	5	which	which	PRON
ajis02-327	139	6	information	information	NOUN
ajis02-327	139	7	is	be	AUX
ajis02-327	139	8	structured	structure	VERB
ajis02-327	139	9	,	,	PUNCT
ajis02-327	139	10	integrated	integrate	VERB
ajis02-327	139	11	and	and	CCONJ
ajis02-327	139	12	tailored	tailor	VERB
ajis02-327	139	13	was	be	AUX
ajis02-327	139	14	identified	identify	VERB
ajis02-327	139	15	as	as	ADP
ajis02-327	139	16	being	be	AUX
ajis02-327	139	17	very	very	ADV
ajis02-327	139	18	important	important	ADJ
ajis02-327	139	19	,	,	PUNCT
ajis02-327	139	20	there	there	PRON
ajis02-327	139	21	was	be	VERB
ajis02-327	139	22	little	little	ADJ
ajis02-327	139	23	agreement	agreement	NOUN
ajis02-327	139	24	across	across	ADP
ajis02-327	139	25	respondents	respondent	NOUN
ajis02-327	139	26	on	on	ADP
ajis02-327	139	27	the	the	DET
ajis02-327	139	28	nature	nature	NOUN
ajis02-327	139	29	of	of	ADP
ajis02-327	139	30	these	these	PRON
ajis02-327	139	31	.	.	PUNCT
ajis02-327	140	1	for	for	ADP
ajis02-327	140	2	example	example	NOUN
ajis02-327	140	3	,	,	PUNCT
ajis02-327	140	4	some	some	DET
ajis02-327	140	5	respondents	respondent	NOUN
ajis02-327	140	6	felt	feel	VERB
ajis02-327	140	7	digitising	digitise	VERB
ajis02-327	140	8	hard	hard	ADJ
ajis02-327	140	9	copy	copy	NOUN
ajis02-327	140	10	brochures	brochure	NOUN
ajis02-327	140	11	for	for	ADP
ajis02-327	140	12	internet	internet	NOUN
ajis02-327	140	13	distribution	distribution	NOUN
ajis02-327	140	14	was	be	AUX
ajis02-327	140	15	appropriate	appropriate	ADJ
ajis02-327	140	16	,	,	PUNCT
ajis02-327	140	17	while	while	SCONJ
ajis02-327	140	18	others	other	NOUN
ajis02-327	140	19	felt	feel	VERB
ajis02-327	140	20	it	it	PRON
ajis02-327	140	21	to	to	PART
ajis02-327	140	22	be	be	AUX
ajis02-327	140	23	"	"	PUNCT
ajis02-327	140	24	shovel	shovel	ADJ
ajis02-327	140	25	-	-	PUNCT
ajis02-327	140	26	ware	ware	NOUN
ajis02-327	140	27	"	"	PUNCT
ajis02-327	140	28	in	in	ADP
ajis02-327	140	29	which	which	PRON
ajis02-327	140	30	information	information	NOUN
ajis02-327	140	31	overload	overload	NOUN
ajis02-327	140	32	and	and	CCONJ
ajis02-327	140	33	ineffectiveness	ineffectiveness	NOUN
ajis02-327	140	34	were	be	AUX
ajis02-327	140	35	end	end	NOUN
ajis02-327	140	36	results	result	NOUN
ajis02-327	140	37	.	.	PUNCT
ajis02-327	141	1	in	in	ADP
ajis02-327	141	2	short	short	ADJ
ajis02-327	141	3	,	,	PUNCT
ajis02-327	141	4	professional	professional	ADJ
ajis02-327	141	5	,	,	PUNCT
ajis02-327	141	6	readable	readable	ADJ
ajis02-327	141	7	web	web	NOUN
ajis02-327	141	8	sites	site	NOUN
ajis02-327	141	9	were	be	AUX
ajis02-327	141	10	seen	see	VERB
ajis02-327	141	11	as	as	ADP
ajis02-327	141	12	difficult	difficult	ADJ
ajis02-327	141	13	to	to	PART
ajis02-327	141	14	structure	structure	VERB
ajis02-327	141	15	to	to	PART
ajis02-327	141	16	provide	provide	VERB
ajis02-327	141	17	organisational	organisational	ADJ
ajis02-327	141	18	value	value	NOUN
ajis02-327	141	19	,	,	PUNCT
ajis02-327	141	20	with	with	ADP
ajis02-327	141	21	the	the	DET
ajis02-327	141	22	tendency	tendency	NOUN
ajis02-327	141	23	for	for	SCONJ
ajis02-327	141	24	such	such	ADJ
ajis02-327	141	25	sites	site	NOUN
ajis02-327	141	26	to	to	PART
ajis02-327	141	27	require	require	VERB
ajis02-327	141	28	large	large	ADJ
ajis02-327	141	29	amounts	amount	NOUN
ajis02-327	141	30	of	of	ADP
ajis02-327	141	31	organisational	organisational	ADJ
ajis02-327	141	32	resources	resource	NOUN
ajis02-327	141	33	from	from	ADP
ajis02-327	141	34	companies	company	NOUN
ajis02-327	141	35	.	.	PUNCT
ajis02-327	142	1	means	mean	NOUN
ajis02-327	142	2	of	of	ADP
ajis02-327	142	3	communication	communication	NOUN
ajis02-327	142	4	the	the	DET
ajis02-327	142	5	internet	internet	NOUN
ajis02-327	142	6	's	's	PART
ajis02-327	142	7	ability	ability	NOUN
ajis02-327	142	8	to	to	PART
ajis02-327	142	9	facilitate	facilitate	VERB
ajis02-327	142	10	an	an	DET
ajis02-327	142	11	alternative	alternative	ADJ
ajis02-327	142	12	means	mean	NOUN
ajis02-327	142	13	of	of	ADP
ajis02-327	142	14	communication	communication	NOUN
ajis02-327	142	15	with	with	ADP
ajis02-327	142	16	agents	agent	NOUN
ajis02-327	142	17	and	and	CCONJ
ajis02-327	142	18	consumers	consumer	NOUN
ajis02-327	142	19	was	be	AUX
ajis02-327	142	20	found	find	VERB
ajis02-327	142	21	to	to	PART
ajis02-327	142	22	be	be	AUX
ajis02-327	142	23	beneficial	beneficial	ADJ
ajis02-327	142	24	.	.	PUNCT
ajis02-327	143	1	for	for	ADP
ajis02-327	143	2	example	example	NOUN
ajis02-327	143	3	,	,	PUNCT
ajis02-327	143	4	one	one	NUM
ajis02-327	143	5	respondent	respondent	NOUN
ajis02-327	143	6	mentioned	mention	VERB
ajis02-327	143	7	his	his	PRON
ajis02-327	143	8	company	company	NOUN
ajis02-327	143	9	's	's	PART
ajis02-327	143	10	plan	plan	NOUN
ajis02-327	143	11	to	to	PART
ajis02-327	143	12	develop	develop	VERB
ajis02-327	143	13	"	"	PUNCT
ajis02-327	143	14	...	...	PUNCT
ajis02-327	143	15	multimedia	multimedia	NOUN
ajis02-327	143	16	product	product	NOUN
ajis02-327	143	17	information	information	NOUN
ajis02-327	143	18	that	that	PRON
ajis02-327	143	19	can	can	AUX
ajis02-327	143	20	be	be	AUX
ajis02-327	143	21	downloaded	download	VERB
ajis02-327	143	22	for	for	ADP
ajis02-327	143	23	agency	agency	NOUN
ajis02-327	143	24	and	and	CCONJ
ajis02-327	143	25	consumer	consumer	NOUN
ajis02-327	143	26	use	use	NOUN
ajis02-327	143	27	.	.	PUNCT
ajis02-327	143	28	"	"	PUNCT
ajis02-327	144	1	the	the	DET
ajis02-327	144	2	internet	internet	NOUN
ajis02-327	144	3	's	's	PART
ajis02-327	144	4	multimedia	multimedia	NOUN
ajis02-327	144	5	capabilities	capability	NOUN
ajis02-327	144	6	provide	provide	VERB
ajis02-327	144	7	carriers	carrier	NOUN
ajis02-327	144	8	with	with	ADP
ajis02-327	144	9	an	an	DET
ajis02-327	144	10	ability	ability	NOUN
ajis02-327	144	11	to	to	PART
ajis02-327	144	12	deliver	deliver	VERB
ajis02-327	144	13	multifaceted	multifaceted	ADJ
ajis02-327	144	14	and	and	CCONJ
ajis02-327	144	15	multidimensional	multidimensional	ADJ
ajis02-327	144	16	information	information	NOUN
ajis02-327	144	17	for	for	ADP
ajis02-327	144	18	consumption	consumption	NOUN
ajis02-327	144	19	.	.	PUNCT
ajis02-327	145	1	the	the	DET
ajis02-327	145	2	limits	limit	NOUN
ajis02-327	145	3	of	of	ADP
ajis02-327	145	4	the	the	DET
ajis02-327	145	5	internet	internet	NOUN
ajis02-327	145	6	were	be	AUX
ajis02-327	145	7	acknowledged	acknowledge	VERB
ajis02-327	145	8	(	(	PUNCT
ajis02-327	145	9	i.e.	i.e.	X
ajis02-327	145	10	,	,	PUNCT
ajis02-327	145	11	bandwidth	bandwidth	ADJ
ajis02-327	145	12	,	,	PUNCT
ajis02-327	145	13	reliability	reliability	NOUN
ajis02-327	145	14	,	,	PUNCT
ajis02-327	145	15	access	access	NOUN
ajis02-327	145	16	,	,	PUNCT
ajis02-327	145	17	etc	etc	X
ajis02-327	145	18	.	.	X
ajis02-327	145	19	)	)	PUNCT
ajis02-327	146	1	but	but	CCONJ
ajis02-327	146	2	the	the	DET
ajis02-327	146	3	network	network	NOUN
ajis02-327	146	4	's	's	PART
ajis02-327	146	5	potential	potential	NOUN
ajis02-327	146	6	to	to	PART
ajis02-327	146	7	advance	advance	VERB
ajis02-327	146	8	and	and	CCONJ
ajis02-327	146	9	improve	improve	VERB
ajis02-327	146	10	the	the	DET
ajis02-327	146	11	current	current	ADJ
ajis02-327	146	12	communication	communication	NOUN
ajis02-327	146	13	system	system	NOUN
ajis02-327	146	14	was	be	AUX
ajis02-327	146	15	cause	cause	NOUN
ajis02-327	146	16	for	for	ADP
ajis02-327	146	17	optimism	optimism	NOUN
ajis02-327	146	18	among	among	ADP
ajis02-327	146	19	respondents	respondent	NOUN
ajis02-327	146	20	.	.	PUNCT
ajis02-327	147	1	however	however	ADV
ajis02-327	147	2	,	,	PUNCT
ajis02-327	147	3	the	the	DET
ajis02-327	147	4	internet	internet	NOUN
ajis02-327	147	5	's	's	PART
ajis02-327	147	6	ability	ability	NOUN
ajis02-327	147	7	to	to	PART
ajis02-327	147	8	fully	fully	ADV
ajis02-327	147	9	serve	serve	VERB
ajis02-327	147	10	as	as	ADP
ajis02-327	147	11	a	a	DET
ajis02-327	147	12	means	means	NOUN
ajis02-327	147	13	of	of	ADP
ajis02-327	147	14	communication	communication	NOUN
ajis02-327	147	15	with	with	ADP
ajis02-327	147	16	consumers	consumer	NOUN
ajis02-327	147	17	and	and	CCONJ
ajis02-327	147	18	agents	agent	NOUN
ajis02-327	147	19	and	and	CCONJ
ajis02-327	147	20	replace	replace	VERB
ajis02-327	147	21	traditional	traditional	ADJ
ajis02-327	147	22	methods	method	NOUN
ajis02-327	147	23	was	be	AUX
ajis02-327	147	24	viewed	view	VERB
ajis02-327	147	25	with	with	ADP
ajis02-327	147	26	scepticism	scepticism	NOUN
ajis02-327	147	27	,	,	PUNCT
ajis02-327	147	28	especially	especially	ADV
ajis02-327	147	29	with	with	ADP
ajis02-327	147	30	the	the	DET
ajis02-327	147	31	current	current	ADJ
ajis02-327	147	32	business	business	NOUN
ajis02-327	147	33	value	value	NOUN
ajis02-327	147	34	seen	see	VERB
ajis02-327	147	35	to	to	PART
ajis02-327	147	36	be	be	AUX
ajis02-327	147	37	provided	provide	VERB
ajis02-327	147	38	by	by	ADP
ajis02-327	147	39	independent	independent	ADJ
ajis02-327	147	40	agents	agent	NOUN
ajis02-327	147	41	.	.	PUNCT
ajis02-327	148	1	29	29	NUM
ajis02-327	148	2	ajis	ajis	AUX
ajis02-327	148	3	special	special	PROPN
ajis02-327	148	4	edition	edition	NOUN
ajis02-327	148	5	electronic	electronic	PROPN
ajis02-327	148	6	commerce	commerce	PROPN
ajis02-327	148	7	november	november	PROPN
ajis02-327	148	8	1998	1998	NUM
ajis02-327	148	9	conclusion	conclusion	NOUN
ajis02-327	148	10	overall	overall	ADV
ajis02-327	148	11	,	,	PUNCT
ajis02-327	148	12	the	the	DET
ajis02-327	148	13	"	"	PUNCT
ajis02-327	148	14	electronic	electronic	ADJ
ajis02-327	148	15	communication	communication	NOUN
ajis02-327	148	16	effect	effect	NOUN
ajis02-327	148	17	"	"	PUNCT
ajis02-327	148	18	of	of	ADP
ajis02-327	148	19	the	the	DET
ajis02-327	148	20	internet	internet	NOUN
ajis02-327	148	21	was	be	AUX
ajis02-327	148	22	perceived	perceive	VERB
ajis02-327	148	23	as	as	ADP
ajis02-327	148	24	positive	positive	ADJ
ajis02-327	148	25	.	.	PUNCT
ajis02-327	149	1	respondent	respondent	NOUN
ajis02-327	149	2	data	datum	NOUN
ajis02-327	149	3	indicates	indicate	VERB
ajis02-327	149	4	organisational	organisational	ADJ
ajis02-327	149	5	adoption	adoption	NOUN
ajis02-327	149	6	of	of	ADP
ajis02-327	149	7	the	the	DET
ajis02-327	149	8	internet	internet	NOUN
ajis02-327	149	9	into	into	ADP
ajis02-327	149	10	business	business	NOUN
ajis02-327	149	11	processes	process	NOUN
ajis02-327	149	12	and	and	CCONJ
ajis02-327	149	13	strategic	strategic	ADJ
ajis02-327	149	14	objectives	objective	NOUN
ajis02-327	149	15	.	.	PUNCT
ajis02-327	150	1	all	all	DET
ajis02-327	150	2	respondents	respondent	NOUN
ajis02-327	150	3	provided	provide	VERB
ajis02-327	150	4	information	information	NOUN
ajis02-327	150	5	as	as	ADP
ajis02-327	150	6	to	to	ADP
ajis02-327	150	7	how	how	SCONJ
ajis02-327	150	8	they	they	PRON
ajis02-327	150	9	plan	plan	VERB
ajis02-327	150	10	to	to	PART
ajis02-327	150	11	incorporate	incorporate	VERB
ajis02-327	150	12	internet	internet	NOUN
ajis02-327	150	13	communication	communication	NOUN
ajis02-327	150	14	into	into	ADP
ajis02-327	150	15	their	their	PRON
ajis02-327	150	16	businesses	business	NOUN
ajis02-327	150	17	though	though	SCONJ
ajis02-327	150	18	the	the	DET
ajis02-327	150	19	degree	degree	NOUN
ajis02-327	150	20	of	of	ADP
ajis02-327	150	21	involvement	involvement	NOUN
ajis02-327	150	22	varied	vary	VERB
ajis02-327	150	23	between	between	ADP
ajis02-327	150	24	simple	simple	ADJ
ajis02-327	150	25	web	web	NOUN
ajis02-327	150	26	site	site	NOUN
ajis02-327	150	27	advertisement	advertisement	NOUN
ajis02-327	150	28	and	and	CCONJ
ajis02-327	150	29	in	in	ADP
ajis02-327	150	30	-	-	PUNCT
ajis02-327	150	31	depth	depth	NOUN
ajis02-327	150	32	agentcompany	agentcompany	NOUN
ajis02-327	150	33	interactivity	interactivity	NOUN
ajis02-327	150	34	,	,	PUNCT
ajis02-327	150	35	faith	faith	NOUN
ajis02-327	150	36	and	and	CCONJ
ajis02-327	150	37	confidence	confidence	NOUN
ajis02-327	150	38	in	in	ADP
ajis02-327	150	39	the	the	DET
ajis02-327	150	40	internet	internet	NOUN
ajis02-327	150	41	's	's	PART
ajis02-327	150	42	ability	ability	NOUN
ajis02-327	150	43	to	to	PART
ajis02-327	150	44	fully	fully	ADV
ajis02-327	150	45	serve	serve	VERB
ajis02-327	150	46	as	as	ADP
ajis02-327	150	47	an	an	DET
ajis02-327	150	48	electronic	electronic	ADJ
ajis02-327	150	49	communications	communication	NOUN
ajis02-327	150	50	medium	medium	NOUN
ajis02-327	150	51	seemed	seem	VERB
ajis02-327	150	52	to	to	PART
ajis02-327	150	53	be	be	AUX
ajis02-327	150	54	limited	limit	VERB
ajis02-327	150	55	at	at	ADP
ajis02-327	150	56	present	present	ADJ
ajis02-327	150	57	due	due	ADP
ajis02-327	150	58	to	to	ADP
ajis02-327	150	59	technological	technological	ADJ
ajis02-327	150	60	and	and	CCONJ
ajis02-327	150	61	market	market	NOUN
ajis02-327	150	62	barriers	barrier	NOUN
ajis02-327	150	63	.	.	PUNCT
ajis02-327	151	1	the	the	DET
ajis02-327	151	2	communication	communication	NOUN
ajis02-327	151	3	benefits	benefit	NOUN
ajis02-327	151	4	noted	note	VERB
ajis02-327	151	5	lead	lead	VERB
ajis02-327	151	6	to	to	ADP
ajis02-327	151	7	consideration	consideration	NOUN
ajis02-327	151	8	of	of	ADP
ajis02-327	151	9	the	the	DET
ajis02-327	151	10	internet	internet	NOUN
ajis02-327	151	11	as	as	ADP
ajis02-327	151	12	a	a	DET
ajis02-327	151	13	medium	medium	NOUN
ajis02-327	151	14	to	to	PART
ajis02-327	151	15	supplement	supplement	VERB
ajis02-327	151	16	existing	exist	VERB
ajis02-327	151	17	communication	communication	NOUN
ajis02-327	151	18	and	and	CCONJ
ajis02-327	151	19	distribution	distribution	NOUN
ajis02-327	151	20	channels	channel	NOUN
ajis02-327	151	21	used	use	VERB
ajis02-327	151	22	by	by	ADP
ajis02-327	151	23	the	the	DET
ajis02-327	151	24	companies	company	NOUN
ajis02-327	151	25	to	to	PART
ajis02-327	151	26	communicate	communicate	VERB
ajis02-327	151	27	with	with	ADP
ajis02-327	151	28	agents	agent	NOUN
ajis02-327	151	29	and	and	CCONJ
ajis02-327	151	30	consumers	consumer	NOUN
ajis02-327	151	31	.	.	PUNCT
ajis02-327	152	1	a	a	DET
ajis02-327	152	2	numba	numba	NOUN
ajis02-327	152	3	of	of	ADP
ajis02-327	152	4	issues	issue	NOUN
ajis02-327	152	5	emerged	emerge	VERB
ajis02-327	152	6	during	during	ADP
ajis02-327	152	7	the	the	DET
ajis02-327	152	8	interviews	interview	NOUN
ajis02-327	152	9	regarding	regard	VERB
ajis02-327	152	10	the	the	DET
ajis02-327	152	11	electronic	electronic	ADJ
ajis02-327	152	12	communication	communication	NOUN
ajis02-327	152	13	effect	effect	NOUN
ajis02-327	152	14	which	which	PRON
ajis02-327	152	15	remained	remain	VERB
ajis02-327	152	16	;	;	PUNCT
ajis02-327	152	17	manswered	manswere	VERB
ajis02-327	152	18	and	and	CCONJ
ajis02-327	152	19	warrant	warrant	VERB
ajis02-327	152	20	further	further	ADJ
ajis02-327	152	21	study	study	NOUN
ajis02-327	152	22	,	,	PUNCT
ajis02-327	152	23	including	include	VERB
ajis02-327	152	24	:	:	PUNCT
ajis02-327	152	25	•	•	ADP
ajis02-327	152	26	an	an	DET
ajis02-327	152	27	adequate	adequate	ADJ
ajis02-327	152	28	method	method	NOUN
ajis02-327	152	29	to	to	PART
ajis02-327	152	30	measure	measure	VERB
ajis02-327	152	31	the	the	DET
ajis02-327	152	32	value	value	NOUN
ajis02-327	152	33	that	that	PRON
ajis02-327	152	34	an	an	DET
ajis02-327	152	35	organisation	organisation	NOUN
ajis02-327	152	36	receives	receive	VERB
ajis02-327	152	37	from	from	ADP
ajis02-327	152	38	communications	communication	NOUN
ajis02-327	152	39	over	over	ADP
ajis02-327	152	40	the	the	DET
ajis02-327	152	41	internet	internet	NOUN
ajis02-327	152	42	was	be	AUX
ajis02-327	152	43	not	not	PART
ajis02-327	152	44	provided	provide	VERB
ajis02-327	152	45	and	and	CCONJ
ajis02-327	152	46	remains	remain	VERB
ajis02-327	152	47	unclear	unclear	ADJ
ajis02-327	152	48	•	•	NOUN
ajis02-327	152	49	the	the	DET
ajis02-327	152	50	total	total	ADJ
ajis02-327	152	51	reductions	reduction	NOUN
ajis02-327	152	52	of	of	ADP
ajis02-327	152	53	organisational	organisational	ADJ
ajis02-327	152	54	costs	cost	NOUN
ajis02-327	152	55	of	of	ADP
ajis02-327	152	56	internet	internet	NOUN
ajis02-327	152	57	communication	communication	NOUN
ajis02-327	152	58	need	need	VERB
ajis02-327	152	59	to	to	PART
ajis02-327	152	60	be	be	AUX
ajis02-327	152	61	compared	compare	VERB
ajis02-327	152	62	against	against	ADP
ajis02-327	152	63	the	the	DET
ajis02-327	152	64	additional	additional	ADJ
ajis02-327	152	65	costs	cost	NOUN
ajis02-327	152	66	for	for	ADP
ajis02-327	152	67	staff	staff	NOUN
ajis02-327	152	68	internet	internet	NOUN
ajis02-327	152	69	training	training	NOUN
ajis02-327	152	70	and	and	CCONJ
ajis02-327	152	71	support	support	NOUN
ajis02-327	152	72	(	(	PUNCT
ajis02-327	152	73	especially	especially	ADV
ajis02-327	152	74	related	relate	VERB
ajis02-327	152	75	to	to	ADP
ajis02-327	152	76	production	production	NOUN
ajis02-327	152	77	and	and	CCONJ
ajis02-327	152	78	maintenance	maintenance	NOUN
ajis02-327	152	79	of	of	ADP
ajis02-327	152	80	internet	internet	NOUN
ajis02-327	152	81	communication	communication	NOUN
ajis02-327	152	82	)	)	PUNCT
ajis02-327	152	83	•	•	ADP
ajis02-327	152	84	the	the	DET
ajis02-327	152	85	degree	degree	NOUN
ajis02-327	152	86	of	of	ADP
ajis02-327	152	87	information	information	NOUN
ajis02-327	152	88	engagement	engagement	NOUN
ajis02-327	152	89	by	by	ADP
ajis02-327	152	90	consumers	consumer	NOUN
ajis02-327	152	91	on	on	ADP
ajis02-327	152	92	the	the	DET
ajis02-327	152	93	internet	internet	NOUN
ajis02-327	152	94	remains	remain	VERB
ajis02-327	152	95	to	to	PART
ajis02-327	152	96	be	be	AUX
ajis02-327	152	97	an	an	DET
ajis02-327	152	98	issue	issue	NOUN
ajis02-327	152	99	of	of	ADP
ajis02-327	152	100	speculation	speculation	NOUN
ajis02-327	152	101	electronic	electronic	ADJ
ajis02-327	152	102	brokerage	brokerage	NOUN
ajis02-327	152	103	effect	effect	NOUN
ajis02-327	152	104	this	this	DET
ajis02-327	152	105	section	section	NOUN
ajis02-327	152	106	of	of	ADP
ajis02-327	152	107	the	the	DET
ajis02-327	152	108	study	study	NOUN
ajis02-327	152	109	attempted	attempt	VERB
ajis02-327	152	110	to	to	PART
ajis02-327	152	111	explore	explore	VERB
ajis02-327	152	112	the	the	DET
ajis02-327	152	113	internet	internet	NOUN
ajis02-327	152	114	's	's	PART
ajis02-327	152	115	ability	ability	NOUN
ajis02-327	152	116	to	to	PART
ajis02-327	152	117	act	act	VERB
ajis02-327	152	118	as	as	ADP
ajis02-327	152	119	an	an	DET
ajis02-327	152	120	electronic	electronic	ADJ
ajis02-327	152	121	market	market	NOUN
ajis02-327	152	122	connecting	connect	VERB
ajis02-327	152	123	many	many	ADJ
ajis02-327	152	124	different	different	ADJ
ajis02-327	152	125	buyers	buyer	NOUN
ajis02-327	152	126	and	and	CCONJ
ajis02-327	152	127	suppliers	supplier	NOUN
ajis02-327	152	128	,	,	PUNCT
ajis02-327	152	129	thus	thus	ADV
ajis02-327	152	130	increasing	increase	VERB
ajis02-327	152	131	the	the	DET
ajis02-327	152	132	number	number	NOUN
ajis02-327	152	133	of	of	ADP
ajis02-327	152	134	product	product	NOUN
ajis02-327	152	135	alternatives	alternative	NOUN
ajis02-327	152	136	that	that	PRON
ajis02-327	152	137	can	can	AUX
ajis02-327	152	138	be	be	AUX
ajis02-327	152	139	considered	consider	VERB
ajis02-327	152	140	,	,	PUNCT
ajis02-327	152	141	increasing	increase	VERB
ajis02-327	152	142	the	the	DET
ajis02-327	152	143	quality	quality	NOUN
ajis02-327	152	144	of	of	ADP
ajis02-327	152	145	the	the	DET
ajis02-327	152	146	alternative	alternative	NOUN
ajis02-327	152	147	selected	select	VERB
ajis02-327	152	148	,	,	PUNCT
ajis02-327	152	149	and	and	CCONJ
ajis02-327	152	150	decreasing	decrease	VERB
ajis02-327	152	151	the	the	DET
ajis02-327	152	152	cost	cost	NOUN
ajis02-327	152	153	of	of	ADP
ajis02-327	152	154	the	the	DET
ajis02-327	152	155	entire	entire	ADJ
ajis02-327	152	156	product	product	NOUN
ajis02-327	152	157	selection	selection	NOUN
ajis02-327	152	158	process	process	NOUN
ajis02-327	152	159	(	(	PUNCT
ajis02-327	152	160	malone	malone	PROPN
ajis02-327	152	161	,	,	PUNCT
ajis02-327	152	162	yates	yates	PROPN
ajis02-327	152	163	and	and	CCONJ
ajis02-327	152	164	benjamin	benjamin	PROPN
ajis02-327	152	165	1987	1987	NUM
ajis02-327	152	166	)	)	PUNCT
ajis02-327	152	167	.	.	PUNCT
ajis02-327	153	1	the	the	DET
ajis02-327	153	2	internet	internet	NOUN
ajis02-327	153	3	's	's	PART
ajis02-327	153	4	growth	growth	NOUN
ajis02-327	153	5	and	and	CCONJ
ajis02-327	153	6	development	development	NOUN
ajis02-327	153	7	as	as	ADP
ajis02-327	153	8	an	an	DET
ajis02-327	153	9	electronic	electronic	ADJ
ajis02-327	153	10	market	market	NOUN
ajis02-327	153	11	has	have	AUX
ajis02-327	153	12	led	lead	VERB
ajis02-327	153	13	to	to	ADP
ajis02-327	153	14	the	the	DET
ajis02-327	153	15	emergence	emergence	NOUN
ajis02-327	153	16	of	of	ADP
ajis02-327	153	17	new	new	ADJ
ajis02-327	153	18	target	target	NOUN
ajis02-327	153	19	markets	market	NOUN
ajis02-327	153	20	.	.	PUNCT
ajis02-327	154	1	specifically	specifically	ADV
ajis02-327	154	2	,	,	PUNCT
ajis02-327	154	3	the	the	DET
ajis02-327	154	4	"	"	PUNCT
ajis02-327	154	5	book	book	NOUN
ajis02-327	154	6	-	-	PUNCT
ajis02-327	154	7	end	end	NOUN
ajis02-327	154	8	effect	effect	NOUN
ajis02-327	154	9	"	"	PUNCT
ajis02-327	154	10	emerged	emerge	VERB
ajis02-327	154	11	as	as	ADP
ajis02-327	154	12	an	an	DET
ajis02-327	154	13	important	important	ADJ
ajis02-327	154	14	concept	concept	NOUN
ajis02-327	154	15	,	,	PUNCT
ajis02-327	154	16	which	which	PRON
ajis02-327	154	17	holds	hold	VERB
ajis02-327	154	18	young	young	ADJ
ajis02-327	154	19	,	,	PUNCT
ajis02-327	154	20	educated	educate	VERB
ajis02-327	154	21	people	people	NOUN
ajis02-327	154	22	and	and	CCONJ
ajis02-327	154	23	older	old	ADJ
ajis02-327	154	24	,	,	PUNCT
ajis02-327	154	25	more	more	ADV
ajis02-327	154	26	established	establish	VERB
ajis02-327	154	27	individuals	individual	NOUN
ajis02-327	154	28	participate	participate	VERB
ajis02-327	154	29	in	in	ADP
ajis02-327	154	30	the	the	DET
ajis02-327	154	31	internet	internet	NOUN
ajis02-327	154	32	's	's	PART
ajis02-327	154	33	growth	growth	NOUN
ajis02-327	154	34	,	,	PUNCT
ajis02-327	154	35	but	but	CCONJ
ajis02-327	154	36	a	a	DET
ajis02-327	154	37	large	large	ADJ
ajis02-327	154	38	number	number	NOUN
ajis02-327	154	39	of	of	ADP
ajis02-327	154	40	individuals	individual	NOUN
ajis02-327	154	41	are	be	AUX
ajis02-327	154	42	in	in	ADP
ajis02-327	154	43	the	the	DET
ajis02-327	154	44	middle	middle	NOUN
ajis02-327	154	45	of	of	ADP
ajis02-327	154	46	the	the	DET
ajis02-327	154	47	two	two	NUM
ajis02-327	154	48	groups	group	NOUN
ajis02-327	154	49	and	and	CCONJ
ajis02-327	154	50	remain	remain	VERB
ajis02-327	154	51	"	"	PUNCT
ajis02-327	154	52	unconnected	unconnected	ADJ
ajis02-327	154	53	"	"	PUNCT
ajis02-327	154	54	to	to	ADP
ajis02-327	154	55	the	the	DET
ajis02-327	154	56	internet	internet	NOUN
ajis02-327	154	57	.	.	PUNCT
ajis02-327	155	1	the	the	DET
ajis02-327	155	2	electronic	electronic	ADJ
ajis02-327	155	3	brokerage	brokerage	NOUN
ajis02-327	155	4	effects	effect	NOUN
ajis02-327	155	5	can	can	AUX
ajis02-327	155	6	be	be	AUX
ajis02-327	155	7	grouped	group	VERB
ajis02-327	155	8	into	into	ADP
ajis02-327	155	9	the	the	DET
ajis02-327	155	10	search	search	NOUN
ajis02-327	155	11	process	process	NOUN
ajis02-327	155	12	,	,	PUNCT
ajis02-327	155	13	consumption	consumption	NOUN
ajis02-327	155	14	process	process	NOUN
ajis02-327	155	15	and	and	CCONJ
ajis02-327	155	16	market	market	NOUN
ajis02-327	155	17	outcomes	outcome	NOUN
ajis02-327	155	18	,	,	PUNCT
ajis02-327	155	19	and	and	CCONJ
ajis02-327	155	20	market	market	NOUN
ajis02-327	155	21	structure	structure	NOUN
ajis02-327	155	22	.	.	PUNCT
ajis02-327	156	1	search	search	NOUN
ajis02-327	156	2	process	process	NOUN
ajis02-327	156	3	the	the	DET
ajis02-327	156	4	internet	internet	NOUN
ajis02-327	156	5	was	be	AUX
ajis02-327	156	6	seen	see	VERB
ajis02-327	156	7	as	as	ADP
ajis02-327	156	8	a	a	DET
ajis02-327	156	9	means	means	NOUN
ajis02-327	156	10	to	to	PART
ajis02-327	156	11	facilitate	facilitate	VERB
ajis02-327	156	12	the	the	DET
ajis02-327	156	13	search	search	NOUN
ajis02-327	156	14	process	process	NOUN
ajis02-327	156	15	,	,	PUNCT
ajis02-327	156	16	especially	especially	ADV
ajis02-327	156	17	as	as	SCONJ
ajis02-327	156	18	the	the	DET
ajis02-327	156	19	insurance	insurance	NOUN
ajis02-327	156	20	market	market	NOUN
ajis02-327	156	21	evolves	evolve	VERB
ajis02-327	156	22	towards	towards	ADP
ajis02-327	156	23	more	more	ADV
ajis02-327	156	24	educated	educate	VERB
ajis02-327	156	25	and	and	CCONJ
ajis02-327	156	26	"	"	PUNCT
ajis02-327	156	27	technology	technology	NOUN
ajis02-327	156	28	savvy	savvy	ADJ
ajis02-327	156	29	"	"	PUNCT
ajis02-327	156	30	individuals	individual	NOUN
ajis02-327	156	31	.	.	PUNCT
ajis02-327	157	1	such	such	DET
ajis02-327	157	2	an	an	DET
ajis02-327	157	3	emerging	emerge	VERB
ajis02-327	157	4	market	market	NOUN
ajis02-327	157	5	was	be	AUX
ajis02-327	157	6	specifically	specifically	ADV
ajis02-327	157	7	mentioned	mention	VERB
ajis02-327	157	8	as	as	ADP
ajis02-327	157	9	a	a	DET
ajis02-327	157	10	target	target	NOUN
ajis02-327	157	11	for	for	SCONJ
ajis02-327	157	12	companies	company	NOUN
ajis02-327	157	13	to	to	PART
ajis02-327	157	14	address	address	VERB
ajis02-327	157	15	with	with	ADP
ajis02-327	157	16	new	new	ADJ
ajis02-327	157	17	resources	resource	NOUN
ajis02-327	157	18	and	and	CCONJ
ajis02-327	157	19	business	business	NOUN
ajis02-327	157	20	strategies	strategy	NOUN
ajis02-327	157	21	on	on	ADP
ajis02-327	157	22	the	the	DET
ajis02-327	157	23	internet	internet	NOUN
ajis02-327	157	24	.	.	PUNCT
ajis02-327	158	1	the	the	DET
ajis02-327	158	2	internet	internet	NOUN
ajis02-327	158	3	was	be	AUX
ajis02-327	158	4	seen	see	VERB
ajis02-327	158	5	as	as	ADP
ajis02-327	158	6	providing	provide	VERB
ajis02-327	158	7	consumers	consumer	NOUN
ajis02-327	158	8	with	with	ADP
ajis02-327	158	9	an	an	DET
ajis02-327	158	10	easily	easily	ADV
ajis02-327	158	11	accessed	access	VERB
ajis02-327	158	12	and	and	CCONJ
ajis02-327	158	13	potentially	potentially	ADV
ajis02-327	158	14	more	more	ADV
ajis02-327	158	15	efficient	efficient	ADJ
ajis02-327	158	16	medium	medium	NOUN
ajis02-327	158	17	for	for	ADP
ajis02-327	158	18	insurance	insurance	NOUN
ajis02-327	158	19	product	product	NOUN
ajis02-327	158	20	education	education	NOUN
ajis02-327	158	21	and	and	CCONJ
ajis02-327	158	22	selection	selection	NOUN
ajis02-327	158	23	.	.	PUNCT
ajis02-327	159	1	for	for	ADP
ajis02-327	159	2	example	example	NOUN
ajis02-327	159	3	,	,	PUNCT
ajis02-327	159	4	medical	medical	ADJ
ajis02-327	159	5	savings	saving	NOUN
ajis02-327	159	6	accounts	account	NOUN
ajis02-327	159	7	(	(	PUNCT
ajis02-327	159	8	msas	msa	NOUN
ajis02-327	159	9	)	)	PUNCT
ajis02-327	159	10	are	be	AUX
ajis02-327	159	11	a	a	DET
ajis02-327	159	12	new	new	ADJ
ajis02-327	159	13	product	product	NOUN
ajis02-327	159	14	that	that	PRON
ajis02-327	159	15	has	have	AUX
ajis02-327	159	16	emerged	emerge	VERB
ajis02-327	159	17	in	in	ADP
ajis02-327	159	18	the	the	DET
ajis02-327	159	19	us	us	PROPN
ajis02-327	159	20	health	health	NOUN
ajis02-327	159	21	insurance	insurance	NOUN
ajis02-327	159	22	market	market	NOUN
ajis02-327	159	23	during	during	ADP
ajis02-327	159	24	the	the	DET
ajis02-327	159	25	last	last	ADJ
ajis02-327	159	26	few	few	ADJ
ajis02-327	159	27	years	year	NOUN
ajis02-327	159	28	.	.	PUNCT
ajis02-327	160	1	msas	msas	PROPN
ajis02-327	160	2	can	can	AUX
ajis02-327	160	3	be	be	AUX
ajis02-327	160	4	actively	actively	ADV
ajis02-327	160	5	researched	research	VERB
ajis02-327	160	6	,	,	PUNCT
ajis02-327	160	7	analysed	analyse	VERB
ajis02-327	160	8	and	and	CCONJ
ajis02-327	160	9	selected	select	VERB
ajis02-327	160	10	with	with	ADP
ajis02-327	160	11	the	the	DET
ajis02-327	160	12	internet	internet	NOUN
ajis02-327	160	13	.	.	PUNCT
ajis02-327	161	1	the	the	DET
ajis02-327	161	2	internet	internet	NOUN
ajis02-327	161	3	's	's	PART
ajis02-327	161	4	ability	ability	NOUN
ajis02-327	161	5	to	to	PART
ajis02-327	161	6	serve	serve	VERB
ajis02-327	161	7	as	as	ADP
ajis02-327	161	8	an	an	DET
ajis02-327	161	9	electronic	electronic	ADJ
ajis02-327	161	10	broker	broker	NOUN
ajis02-327	161	11	was	be	AUX
ajis02-327	161	12	seen	see	VERB
ajis02-327	161	13	as	as	ADP
ajis02-327	161	14	a	a	DET
ajis02-327	161	15	means	means	NOUN
ajis02-327	161	16	to	to	PART
ajis02-327	161	17	increase	increase	VERB
ajis02-327	161	18	the	the	DET
ajis02-327	161	19	level	level	NOUN
ajis02-327	161	20	of	of	ADP
ajis02-327	161	21	consumer	consumer	NOUN
ajis02-327	161	22	and	and	CCONJ
ajis02-327	161	23	agent	agent	NOUN
ajis02-327	161	24	knowledge	knowledge	NOUN
ajis02-327	161	25	of	of	ADP
ajis02-327	161	26	insurance	insurance	NOUN
ajis02-327	161	27	products	product	NOUN
ajis02-327	161	28	and	and	CCONJ
ajis02-327	161	29	servicing	servicing	NOUN
ajis02-327	161	30	.	.	PUNCT
ajis02-327	162	1	the	the	DET
ajis02-327	162	2	accessibility	accessibility	NOUN
ajis02-327	162	3	and	and	CCONJ
ajis02-327	162	4	convenience	convenience	NOUN
ajis02-327	162	5	of	of	ADP
ajis02-327	162	6	insurance	insurance	NOUN
ajis02-327	162	7	information	information	NOUN
ajis02-327	162	8	on	on	ADP
ajis02-327	162	9	the	the	DET
ajis02-327	162	10	internet	internet	NOUN
ajis02-327	162	11	provides	provide	VERB
ajis02-327	162	12	consumers	consumer	NOUN
ajis02-327	162	13	with	with	ADP
ajis02-327	162	14	a	a	DET
ajis02-327	162	15	means	mean	NOUN
ajis02-327	162	16	to	to	PART
ajis02-327	162	17	"	"	PUNCT
ajis02-327	162	18	...	...	PUNCT
ajis02-327	162	19	look	look	VERB
ajis02-327	162	20	for	for	ADP
ajis02-327	162	21	what	what	PRON
ajis02-327	162	22	they	they	PRON
ajis02-327	162	23	really	really	ADV
ajis02-327	162	24	want	want	VERB
ajis02-327	162	25	to	to	PART
ajis02-327	162	26	know	know	VERB
ajis02-327	162	27	.	.	PUNCT
ajis02-327	162	28	"	"	PUNCT
ajis02-327	163	1	the	the	DET
ajis02-327	163	2	emergence	emergence	NOUN
ajis02-327	163	3	of	of	ADP
ajis02-327	163	4	push	push	NOUN
ajis02-327	163	5	technology	technology	NOUN
ajis02-327	163	6	to	to	PART
ajis02-327	163	7	provide	provide	VERB
ajis02-327	163	8	insurance	insurance	NOUN
ajis02-327	163	9	consumers	consumer	NOUN
ajis02-327	163	10	with	with	ADP
ajis02-327	163	11	information	information	NOUN
ajis02-327	163	12	they	they	PRON
ajis02-327	163	13	want	want	VERB
ajis02-327	163	14	to	to	PART
ajis02-327	163	15	receive	receive	VERB
ajis02-327	163	16	(	(	PUNCT
ajis02-327	163	17	an	an	DET
ajis02-327	163	18	example	example	NOUN
ajis02-327	163	19	given	give	VERB
ajis02-327	163	20	included	include	VERB
ajis02-327	163	21	point	point	NOUN
ajis02-327	163	22	cast	cast	VERB
ajis02-327	163	23	[	[	X
ajis02-327	163	24	www.pointcast.com	www.pointcast.com	X
ajis02-327	163	25	]	]	X
ajis02-327	163	26	tailored	tailor	VERB
ajis02-327	163	27	to	to	ADP
ajis02-327	163	28	insurance	insurance	NOUN
ajis02-327	163	29	)	)	PUNCT
ajis02-327	163	30	.	.	PUNCT
ajis02-327	164	1	additionally	additionally	ADV
ajis02-327	164	2	,	,	PUNCT
ajis02-327	164	3	the	the	DET
ajis02-327	164	4	increase	increase	NOUN
ajis02-327	164	5	in	in	ADP
ajis02-327	164	6	the	the	DET
ajis02-327	164	7	number	number	NOUN
ajis02-327	164	8	of	of	ADP
ajis02-327	164	9	alternatives	alternative	NOUN
ajis02-327	164	10	that	that	PRON
ajis02-327	164	11	can	can	AUX
ajis02-327	164	12	be	be	AUX
ajis02-327	164	13	considered	consider	VERB
ajis02-327	164	14	was	be	AUX
ajis02-327	164	15	seen	see	VERB
ajis02-327	164	16	to	to	PART
ajis02-327	164	17	improve	improve	VERB
ajis02-327	164	18	insurance	insurance	NOUN
ajis02-327	164	19	education	education	NOUN
ajis02-327	164	20	and	and	CCONJ
ajis02-327	164	21	understanding	understanding	NOUN
ajis02-327	164	22	,	,	PUNCT
ajis02-327	164	23	provide	provide	VERB
ajis02-327	164	24	a	a	DET
ajis02-327	164	25	means	mean	NOUN
ajis02-327	164	26	for	for	ADP
ajis02-327	164	27	comparison	comparison	NOUN
ajis02-327	164	28	against	against	ADP
ajis02-327	164	29	captive	captive	ADJ
ajis02-327	164	30	agents	agent	NOUN
ajis02-327	164	31	,	,	PUNCT
ajis02-327	164	32	offer	offer	VERB
ajis02-327	164	33	a	a	DET
ajis02-327	164	34	means	mean	NOUN
ajis02-327	164	35	to	to	PART
ajis02-327	164	36	fight	fight	VERB
ajis02-327	164	37	for	for	ADP
ajis02-327	164	38	increased	increase	VERB
ajis02-327	164	39	market	market	NOUN
ajis02-327	164	40	share	share	NOUN
ajis02-327	164	41	with	with	ADP
ajis02-327	164	42	better	well	ADJ
ajis02-327	164	43	price	price	NOUN
ajis02-327	164	44	and	and	CCONJ
ajis02-327	164	45	product	product	NOUN
ajis02-327	164	46	offerings	offering	NOUN
ajis02-327	164	47	,	,	PUNCT
ajis02-327	164	48	and	and	CCONJ
ajis02-327	164	49	allow	allow	VERB
ajis02-327	164	50	consumers	consumer	NOUN
ajis02-327	164	51	to	to	PART
ajis02-327	164	52	improve	improve	VERB
ajis02-327	164	53	their	their	PRON
ajis02-327	164	54	ability	ability	NOUN
ajis02-327	164	55	to	to	PART
ajis02-327	164	56	match	match	VERB
ajis02-327	164	57	their	their	PRON
ajis02-327	164	58	needs	need	NOUN
ajis02-327	164	59	with	with	ADP
ajis02-327	164	60	an	an	DET
ajis02-327	164	61	appropriate	appropriate	ADJ
ajis02-327	164	62	insurance	insurance	NOUN
ajis02-327	164	63	product	product	NOUN
ajis02-327	164	64	.	.	PUNCT
ajis02-327	165	1	the	the	DET
ajis02-327	165	2	need	need	NOUN
ajis02-327	165	3	for	for	ADP
ajis02-327	165	4	filtering	filter	VERB
ajis02-327	165	5	mechanisms	mechanism	NOUN
ajis02-327	165	6	to	to	PART
ajis02-327	165	7	provide	provide	VERB
ajis02-327	165	8	balance	balance	NOUN
ajis02-327	165	9	between	between	ADP
ajis02-327	165	10	information	information	NOUN
ajis02-327	165	11	available	available	ADJ
ajis02-327	165	12	and	and	CCONJ
ajis02-327	165	13	information	information	NOUN
ajis02-327	165	14	needed	need	VERB
ajis02-327	165	15	at	at	ADP
ajis02-327	165	16	a	a	DET
ajis02-327	165	17	one	one	NUM
ajis02-327	165	18	-	-	PUNCT
ajis02-327	165	19	to	to	ADP
ajis02-327	165	20	-	-	PUNCT
ajis02-327	165	21	one	one	NUM
ajis02-327	165	22	mass	mass	ADJ
ajis02-327	165	23	communication	communication	NOUN
ajis02-327	165	24	level	level	NOUN
ajis02-327	165	25	emerged	emerge	VERB
ajis02-327	165	26	as	as	ADP
ajis02-327	165	27	a	a	DET
ajis02-327	165	28	significant	significant	ADJ
ajis02-327	165	29	issue	issue	NOUN
ajis02-327	165	30	.	.	PUNCT
ajis02-327	166	1	respondents	respondent	NOUN
ajis02-327	166	2	noted	note	VERB
ajis02-327	166	3	the	the	DET
ajis02-327	166	4	challenge	challenge	NOUN
ajis02-327	166	5	the	the	DET
ajis02-327	166	6	internet	internet	NOUN
ajis02-327	166	7	poses	pose	NOUN
ajis02-327	166	8	to	to	ADP
ajis02-327	166	9	companies	company	NOUN
ajis02-327	166	10	interested	interested	ADJ
ajis02-327	166	11	in	in	ADP
ajis02-327	166	12	not	not	PART
ajis02-327	166	13	overwhelming	overwhelm	VERB
ajis02-327	166	14	consumers	consumer	NOUN
ajis02-327	166	15	with	with	ADP
ajis02-327	166	16	technical	technical	ADJ
ajis02-327	166	17	and	and	CCONJ
ajis02-327	166	18	non	non	ADJ
ajis02-327	166	19	-	-	ADJ
ajis02-327	166	20	technical	technical	ADJ
ajis02-327	166	21	insurance	insurance	NOUN
ajis02-327	166	22	information	information	NOUN
ajis02-327	166	23	,	,	PUNCT
ajis02-327	166	24	and	and	CCONJ
ajis02-327	166	25	yet	yet	ADV
ajis02-327	166	26	differentiating	differentiate	VERB
ajis02-327	166	27	themselves	themselves	PRON
ajis02-327	166	28	from	from	ADP
ajis02-327	166	29	the	the	DET
ajis02-327	166	30	masses	masse	NOUN
ajis02-327	166	31	of	of	ADP
ajis02-327	166	32	potential	potential	ADJ
ajis02-327	166	33	information	information	NOUN
ajis02-327	166	34	that	that	PRON
ajis02-327	166	35	exists	exist	VERB
ajis02-327	166	36	and	and	CCONJ
ajis02-327	166	37	increases	increase	VERB
ajis02-327	166	38	daily	daily	ADV
ajis02-327	166	39	.	.	PUNCT
ajis02-327	167	1	an	an	DET
ajis02-327	167	2	improved	improve	VERB
ajis02-327	167	3	information	information	NOUN
ajis02-327	167	4	delivery	delivery	NOUN
ajis02-327	167	5	and	and	CCONJ
ajis02-327	167	6	filtration	filtration	NOUN
ajis02-327	167	7	mechanism	mechanism	NOUN
ajis02-327	167	8	to	to	PART
ajis02-327	167	9	facilitate	facilitate	VERB
ajis02-327	167	10	buyer	buyer	NOUN
ajis02-327	167	11	and	and	CCONJ
ajis02-327	167	12	seller	seller	NOUN
ajis02-327	167	13	matching	matching	NOUN
ajis02-327	167	14	and	and	CCONJ
ajis02-327	167	15	consumer	consumer	NOUN
ajis02-327	167	16	understanding	understanding	NOUN
ajis02-327	167	17	of	of	ADP
ajis02-327	167	18	insurance	insurance	NOUN
ajis02-327	167	19	products	product	NOUN
ajis02-327	167	20	was	be	AUX
ajis02-327	167	21	seen	see	VERB
ajis02-327	167	22	as	as	ADP
ajis02-327	167	23	important	important	ADJ
ajis02-327	167	24	to	to	ADP
ajis02-327	167	25	promoting	promote	VERB
ajis02-327	167	26	further	further	ADJ
ajis02-327	167	27	internet	internet	NOUN
ajis02-327	167	28	market	market	NOUN
ajis02-327	167	29	development	development	NOUN
ajis02-327	167	30	,	,	PUNCT
ajis02-327	167	31	as	as	SCONJ
ajis02-327	167	32	one	one	NUM
ajis02-327	167	33	respondent	respondent	NOUN
ajis02-327	167	34	said	say	VERB
ajis02-327	167	35	,	,	PUNCT
ajis02-327	167	36	"	"	PUNCT
ajis02-327	167	37	we	we	PRON
ajis02-327	167	38	need	need	VERB
ajis02-327	167	39	to	to	PART
ajis02-327	167	40	go	go	VERB
ajis02-327	167	41	beyond	beyond	ADP
ajis02-327	167	42	search	search	NOUN
ajis02-327	167	43	engines	engine	NOUN
ajis02-327	167	44	and	and	CCONJ
ajis02-327	167	45	directories	directory	NOUN
ajis02-327	167	46	to	to	PART
ajis02-327	167	47	form	form	VERB
ajis02-327	167	48	customised	customised	ADJ
ajis02-327	167	49	technology	technology	NOUN
ajis02-327	167	50	that	that	PRON
ajis02-327	167	51	offers	offer	VERB
ajis02-327	167	52	a	a	DET
ajis02-327	167	53	unique	unique	ADJ
ajis02-327	167	54	point	point	NOUN
ajis02-327	167	55	of	of	ADP
ajis02-327	167	56	view	view	NOUN
ajis02-327	167	57	for	for	ADP
ajis02-327	167	58	customers	customer	NOUN
ajis02-327	167	59	.	.	PUNCT
ajis02-327	167	60	"	"	PUNCT
ajis02-327	168	1	30	30	NUM
ajis02-327	168	2	ajis	ajis	AUX
ajis02-327	168	3	special	special	PROPN
ajis02-327	168	4	edition	edition	NOUN
ajis02-327	168	5	electronic	electronic	PROPN
ajis02-327	168	6	commerce	commerce	PROPN
ajis02-327	168	7	november	november	PROPN
ajis02-327	168	8	1998	1998	NUM
ajis02-327	168	9	consumption	consumption	NOUN
ajis02-327	168	10	process	process	NOUN
ajis02-327	168	11	an	an	DET
ajis02-327	168	12	area	area	NOUN
ajis02-327	168	13	of	of	ADP
ajis02-327	168	14	debate	debate	NOUN
ajis02-327	168	15	was	be	AUX
ajis02-327	168	16	how	how	SCONJ
ajis02-327	168	17	insurance	insurance	NOUN
ajis02-327	168	18	products	product	NOUN
ajis02-327	168	19	and	and	CCONJ
ajis02-327	168	20	services	service	NOUN
ajis02-327	168	21	on	on	ADP
ajis02-327	168	22	the	the	DET
ajis02-327	168	23	internet	internet	NOUN
ajis02-327	168	24	would	would	AUX
ajis02-327	168	25	be	be	AUX
ajis02-327	168	26	consumed	consume	VERB
ajis02-327	168	27	and	and	CCONJ
ajis02-327	168	28	the	the	DET
ajis02-327	168	29	possible	possible	ADJ
ajis02-327	168	30	market	market	NOUN
ajis02-327	168	31	outcomes	outcome	NOUN
ajis02-327	168	32	.	.	PUNCT
ajis02-327	169	1	two	two	NUM
ajis02-327	169	2	possible	possible	ADJ
ajis02-327	169	3	consumption	consumption	NOUN
ajis02-327	169	4	processes	process	NOUN
ajis02-327	169	5	emerged	emerge	VERB
ajis02-327	169	6	during	during	ADP
ajis02-327	169	7	the	the	DET
ajis02-327	169	8	study	study	NOUN
ajis02-327	169	9	:	:	PUNCT
ajis02-327	169	10	•	•	NUM
ajis02-327	169	11	insurance	insurance	NOUN
ajis02-327	169	12	products	product	NOUN
ajis02-327	169	13	and	and	CCONJ
ajis02-327	169	14	services	service	NOUN
ajis02-327	169	15	would	would	AUX
ajis02-327	169	16	be	be	AUX
ajis02-327	169	17	located	locate	VERB
ajis02-327	169	18	and	and	CCONJ
ajis02-327	169	19	researched	research	VERB
ajis02-327	169	20	on	on	ADP
ajis02-327	169	21	the	the	DET
ajis02-327	169	22	internet	internet	NOUN
ajis02-327	169	23	,	,	PUNCT
ajis02-327	169	24	after	after	ADP
ajis02-327	169	25	considering	consider	VERB
ajis02-327	169	26	possible	possible	ADJ
ajis02-327	169	27	alternative	alternative	ADJ
ajis02-327	169	28	insurance	insurance	NOUN
ajis02-327	169	29	products	product	NOUN
ajis02-327	169	30	,	,	PUNCT
ajis02-327	169	31	additional	additional	ADJ
ajis02-327	169	32	information	information	NOUN
ajis02-327	169	33	and	and	CCONJ
ajis02-327	169	34	assistance	assistance	NOUN
ajis02-327	169	35	would	would	AUX
ajis02-327	169	36	be	be	AUX
ajis02-327	169	37	sought	seek	VERB
ajis02-327	169	38	through	through	ADP
ajis02-327	169	39	a	a	DET
ajis02-327	169	40	retail	retail	ADJ
ajis02-327	169	41	outlet	outlet	NOUN
ajis02-327	169	42	or	or	CCONJ
ajis02-327	169	43	personal	personal	ADJ
ajis02-327	169	44	contact	contact	NOUN
ajis02-327	169	45	,	,	PUNCT
ajis02-327	169	46	and	and	CCONJ
ajis02-327	169	47	the	the	DET
ajis02-327	169	48	transaction	transaction	NOUN
ajis02-327	169	49	would	would	AUX
ajis02-327	169	50	be	be	AUX
ajis02-327	169	51	continued	continue	VERB
ajis02-327	169	52	"	"	PUNCT
ajis02-327	169	53	off	off	ADP
ajis02-327	169	54	-	-	PUNCT
ajis02-327	169	55	line	line	NOUN
ajis02-327	169	56	"	"	PUNCT
ajis02-327	169	57	•	•	NOUN
ajis02-327	169	58	insurance	insurance	NOUN
ajis02-327	169	59	products	product	NOUN
ajis02-327	169	60	and	and	CCONJ
ajis02-327	169	61	services	service	NOUN
ajis02-327	169	62	would	would	AUX
ajis02-327	169	63	be	be	AUX
ajis02-327	169	64	located	locate	VERB
ajis02-327	169	65	and	and	CCONJ
ajis02-327	169	66	researched	research	VERB
ajis02-327	169	67	on	on	ADP
ajis02-327	169	68	the	the	DET
ajis02-327	169	69	internet	internet	NOUN
ajis02-327	169	70	,	,	PUNCT
ajis02-327	169	71	after	after	ADP
ajis02-327	169	72	considering	consider	VERB
ajis02-327	169	73	possible	possible	ADJ
ajis02-327	169	74	alternative	alternative	ADJ
ajis02-327	169	75	insurance	insurance	NOUN
ajis02-327	169	76	products	product	NOUN
ajis02-327	169	77	,	,	PUNCT
ajis02-327	169	78	additional	additional	ADJ
ajis02-327	169	79	information	information	NOUN
ajis02-327	169	80	or	or	CCONJ
ajis02-327	169	81	guidance	guidance	NOUN
ajis02-327	169	82	would	would	AUX
ajis02-327	169	83	be	be	AUX
ajis02-327	169	84	sought	seek	VERB
ajis02-327	169	85	online	online	ADV
ajis02-327	169	86	,	,	PUNCT
ajis02-327	169	87	and	and	CCONJ
ajis02-327	169	88	the	the	DET
ajis02-327	169	89	insurance	insurance	NOUN
ajis02-327	169	90	transaction	transaction	NOUN
ajis02-327	169	91	could	could	AUX
ajis02-327	169	92	be	be	AUX
ajis02-327	169	93	completed	complete	VERB
ajis02-327	169	94	either	either	CCONJ
ajis02-327	169	95	on	on	ADP
ajis02-327	169	96	the	the	DET
ajis02-327	169	97	internet	internet	NOUN
ajis02-327	169	98	or	or	CCONJ
ajis02-327	169	99	"	"	PUNCT
ajis02-327	169	100	off	off	ADP
ajis02-327	169	101	-	-	PUNCT
ajis02-327	169	102	line	line	NOUN
ajis02-327	169	103	"	"	PUNCT
ajis02-327	169	104	market	market	NOUN
ajis02-327	169	105	outcomes	outcome	NOUN
ajis02-327	169	106	from	from	ADP
ajis02-327	169	107	these	these	DET
ajis02-327	169	108	two	two	NUM
ajis02-327	169	109	possible	possible	ADJ
ajis02-327	169	110	consumption	consumption	NOUN
ajis02-327	169	111	processes	process	NOUN
ajis02-327	169	112	,	,	PUNCT
ajis02-327	169	113	two	two	NUM
ajis02-327	169	114	possible	possible	ADJ
ajis02-327	169	115	market	market	NOUN
ajis02-327	169	116	outcomes	outcome	NOUN
ajis02-327	169	117	were	be	AUX
ajis02-327	169	118	identified	identify	VERB
ajis02-327	169	119	.	.	PUNCT
ajis02-327	170	1	one	one	NUM
ajis02-327	170	2	market	market	NOUN
ajis02-327	170	3	outcome	outcome	NOUN
ajis02-327	170	4	was	be	AUX
ajis02-327	170	5	seen	see	VERB
ajis02-327	170	6	to	to	PART
ajis02-327	170	7	lead	lead	VERB
ajis02-327	170	8	to	to	ADP
ajis02-327	170	9	disintermediation	disintermediation	NOUN
ajis02-327	170	10	supported	support	VERB
ajis02-327	170	11	by	by	ADP
ajis02-327	170	12	internet	internet	NOUN
ajis02-327	170	13	development	development	NOUN
ajis02-327	170	14	and	and	CCONJ
ajis02-327	170	15	the	the	DET
ajis02-327	170	16	emergence	emergence	NOUN
ajis02-327	170	17	of	of	ADP
ajis02-327	170	18	on	on	ADP
ajis02-327	170	19	-	-	PUNCT
ajis02-327	170	20	line	line	NOUN
ajis02-327	170	21	intelligent	intelligent	ADJ
ajis02-327	170	22	software	software	NOUN
ajis02-327	170	23	agents	agent	NOUN
ajis02-327	170	24	.	.	PUNCT
ajis02-327	171	1	the	the	DET
ajis02-327	171	2	other	other	ADJ
ajis02-327	171	3	market	market	NOUN
ajis02-327	171	4	outcome	outcome	NOUN
ajis02-327	171	5	was	be	AUX
ajis02-327	171	6	seen	see	VERB
ajis02-327	171	7	to	to	PART
ajis02-327	171	8	result	result	VERB
ajis02-327	171	9	in	in	ADP
ajis02-327	171	10	a	a	DET
ajis02-327	171	11	large	large	ADJ
ajis02-327	171	12	number	number	NOUN
ajis02-327	171	13	of	of	ADP
ajis02-327	171	14	people	people	NOUN
ajis02-327	171	15	relying	rely	VERB
ajis02-327	171	16	on	on	ADP
ajis02-327	171	17	personal	personal	ADJ
ajis02-327	171	18	interaction	interaction	NOUN
ajis02-327	171	19	through	through	ADP
ajis02-327	171	20	traditional	traditional	ADJ
ajis02-327	171	21	market	market	NOUN
ajis02-327	171	22	mechanisms	mechanism	NOUN
ajis02-327	171	23	.	.	PUNCT
ajis02-327	172	1	it	it	PRON
ajis02-327	172	2	should	should	AUX
ajis02-327	172	3	be	be	AUX
ajis02-327	172	4	noted	note	VERB
ajis02-327	172	5	that	that	SCONJ
ajis02-327	172	6	these	these	DET
ajis02-327	172	7	outcomes	outcome	NOUN
ajis02-327	172	8	represent	represent	VERB
ajis02-327	172	9	endpoints	endpoint	NOUN
ajis02-327	172	10	in	in	ADP
ajis02-327	172	11	a	a	DET
ajis02-327	172	12	market	market	NOUN
ajis02-327	172	13	outcome	outcome	NOUN
ajis02-327	172	14	spectrum	spectrum	NOUN
ajis02-327	172	15	in	in	ADP
ajis02-327	172	16	which	which	PRON
ajis02-327	172	17	different	different	ADJ
ajis02-327	172	18	market	market	NOUN
ajis02-327	172	19	strategies	strategy	NOUN
ajis02-327	172	20	could	could	AUX
ajis02-327	172	21	emerge	emerge	VERB
ajis02-327	172	22	.	.	PUNCT
ajis02-327	173	1	disintermediation	disintermediation	NOUN
ajis02-327	173	2	is	be	AUX
ajis02-327	173	3	discussed	discuss	VERB
ajis02-327	173	4	in	in	ADP
ajis02-327	173	5	more	more	ADJ
ajis02-327	173	6	detail	detail	NOUN
ajis02-327	173	7	later	later	ADV
ajis02-327	173	8	in	in	ADP
ajis02-327	173	9	the	the	DET
ajis02-327	173	10	paper	paper	NOUN
ajis02-327	173	11	.	.	PUNCT
ajis02-327	174	1	respondents	respondent	NOUN
ajis02-327	174	2	generally	generally	ADV
ajis02-327	174	3	cited	cite	VERB
ajis02-327	174	4	the	the	DET
ajis02-327	174	5	following	follow	VERB
ajis02-327	174	6	market	market	NOUN
ajis02-327	174	7	outcomes	outcome	NOUN
ajis02-327	174	8	for	for	ADP
ajis02-327	174	9	insurance	insurance	NOUN
ajis02-327	174	10	industry	industry	NOUN
ajis02-327	174	11	members	member	NOUN
ajis02-327	174	12	participating	participate	VERB
ajis02-327	174	13	on	on	ADP
ajis02-327	174	14	the	the	DET
ajis02-327	174	15	internet	internet	NOUN
ajis02-327	174	16	:	:	PUNCT
ajis02-327	174	17	•	•	NUM
ajis02-327	174	18	reduction	reduction	NOUN
ajis02-327	174	19	in	in	ADP
ajis02-327	174	20	insurance	insurance	NOUN
ajis02-327	174	21	market	market	NOUN
ajis02-327	174	22	barriers	barrier	NOUN
ajis02-327	174	23	resulting	result	VERB
ajis02-327	174	24	in	in	ADP
ajis02-327	174	25	increased	increase	VERB
ajis02-327	174	26	electronic	electronic	ADJ
ajis02-327	174	27	marketplace	marketplace	NOUN
ajis02-327	174	28	competition	competition	NOUN
ajis02-327	174	29	•	•	NOUN
ajis02-327	174	30	customisation	customisation	NOUN
ajis02-327	174	31	of	of	ADP
ajis02-327	174	32	products	product	NOUN
ajis02-327	174	33	and	and	CCONJ
ajis02-327	174	34	services	service	NOUN
ajis02-327	174	35	among	among	ADP
ajis02-327	174	36	solutions	solution	NOUN
ajis02-327	174	37	that	that	PRON
ajis02-327	174	38	have	have	AUX
ajis02-327	174	39	emerged	emerge	VERB
ajis02-327	174	40	,	,	PUNCT
ajis02-327	174	41	the	the	DET
ajis02-327	174	42	on	on	ADP
ajis02-327	174	43	-	-	PUNCT
ajis02-327	174	44	line	line	NOUN
ajis02-327	174	45	insurance	insurance	NOUN
ajis02-327	174	46	mall	mall	NOUN
ajis02-327	174	47	was	be	AUX
ajis02-327	174	48	seen	see	VERB
ajis02-327	174	49	as	as	ADP
ajis02-327	174	50	the	the	DET
ajis02-327	174	51	least	least	ADV
ajis02-327	174	52	promising	promising	ADJ
ajis02-327	174	53	.	.	PUNCT
ajis02-327	175	1	the	the	DET
ajis02-327	175	2	need	need	NOUN
ajis02-327	175	3	to	to	PART
ajis02-327	175	4	understand	understand	VERB
ajis02-327	175	5	consumer	consumer	NOUN
ajis02-327	175	6	demographics	demographic	NOUN
ajis02-327	175	7	and	and	CCONJ
ajis02-327	175	8	needs	need	NOUN
ajis02-327	175	9	,	,	PUNCT
ajis02-327	175	10	and	and	CCONJ
ajis02-327	175	11	market	market	NOUN
ajis02-327	175	12	on	on	ADP
ajis02-327	175	13	-	-	PUNCT
ajis02-327	175	14	line	line	NOUN
ajis02-327	175	15	insurance	insurance	NOUN
ajis02-327	175	16	products	product	NOUN
ajis02-327	175	17	accordingly	accordingly	ADV
ajis02-327	175	18	was	be	AUX
ajis02-327	175	19	seen	see	VERB
ajis02-327	175	20	as	as	ADP
ajis02-327	175	21	a	a	DET
ajis02-327	175	22	promising	promising	ADJ
ajis02-327	175	23	objective	objective	NOUN
ajis02-327	175	24	.	.	PUNCT
ajis02-327	176	1	examples	example	NOUN
ajis02-327	176	2	of	of	ADP
ajis02-327	176	3	such	such	ADJ
ajis02-327	176	4	marketing	marketing	NOUN
ajis02-327	176	5	techniques	technique	NOUN
ajis02-327	176	6	were	be	AUX
ajis02-327	176	7	the	the	DET
ajis02-327	176	8	bundling	bundling	NOUN
ajis02-327	176	9	of	of	ADP
ajis02-327	176	10	insurance	insurance	NOUN
ajis02-327	176	11	information	information	NOUN
ajis02-327	176	12	with	with	ADP
ajis02-327	176	13	affiliated	affiliated	ADJ
ajis02-327	176	14	web	web	NOUN
ajis02-327	176	15	sites	site	NOUN
ajis02-327	176	16	and	and	CCONJ
ajis02-327	176	17	news	news	NOUN
ajis02-327	176	18	groups	group	NOUN
ajis02-327	176	19	.	.	PUNCT
ajis02-327	177	1	additionally	additionally	ADV
ajis02-327	177	2	,	,	PUNCT
ajis02-327	177	3	the	the	DET
ajis02-327	177	4	potential	potential	NOUN
ajis02-327	177	5	for	for	ADP
ajis02-327	177	6	other	other	ADJ
ajis02-327	177	7	financial	financial	ADJ
ajis02-327	177	8	service	service	NOUN
ajis02-327	177	9	firms	firm	NOUN
ajis02-327	177	10	to	to	PART
ajis02-327	177	11	enter	enter	VERB
ajis02-327	177	12	into	into	ADP
ajis02-327	177	13	the	the	DET
ajis02-327	177	14	internet	internet	NOUN
ajis02-327	177	15	insurance	insurance	NOUN
ajis02-327	177	16	marketplace	marketplace	NOUN
ajis02-327	177	17	was	be	AUX
ajis02-327	177	18	seen	see	VERB
ajis02-327	177	19	as	as	ADP
ajis02-327	177	20	an	an	DET
ajis02-327	177	21	emerging	emerge	VERB
ajis02-327	177	22	reality	reality	NOUN
ajis02-327	177	23	.	.	PUNCT
ajis02-327	178	1	while	while	SCONJ
ajis02-327	178	2	respondents	respondent	NOUN
ajis02-327	178	3	were	be	AUX
ajis02-327	178	4	aware	aware	ADJ
ajis02-327	178	5	of	of	ADP
ajis02-327	178	6	the	the	DET
ajis02-327	178	7	need	need	NOUN
ajis02-327	178	8	to	to	PART
ajis02-327	178	9	differentiate	differentiate	VERB
ajis02-327	178	10	their	their	PRON
ajis02-327	178	11	organisations	organisation	NOUN
ajis02-327	178	12	from	from	ADP
ajis02-327	178	13	other	other	ADJ
ajis02-327	178	14	organisations	organisation	NOUN
ajis02-327	178	15	participating	participate	VERB
ajis02-327	178	16	on	on	ADP
ajis02-327	178	17	the	the	DET
ajis02-327	178	18	internet	internet	NOUN
ajis02-327	178	19	,	,	PUNCT
ajis02-327	178	20	the	the	DET
ajis02-327	178	21	approach	approach	NOUN
ajis02-327	178	22	for	for	ADP
ajis02-327	178	23	doing	do	VERB
ajis02-327	178	24	so	so	ADV
ajis02-327	178	25	remained	remain	VERB
ajis02-327	178	26	firm	firm	ADJ
ajis02-327	178	27	specific	specific	ADJ
ajis02-327	178	28	.	.	PUNCT
ajis02-327	179	1	conclusion	conclusion	NOUN
ajis02-327	179	2	the	the	DET
ajis02-327	179	3	internet	internet	NOUN
ajis02-327	179	4	's	's	PART
ajis02-327	179	5	ability	ability	NOUN
ajis02-327	179	6	to	to	PART
ajis02-327	179	7	connect	connect	VERB
ajis02-327	179	8	many	many	ADJ
ajis02-327	179	9	different	different	ADJ
ajis02-327	179	10	buyers	buyer	NOUN
ajis02-327	179	11	and	and	CCONJ
ajis02-327	179	12	sellers	seller	NOUN
ajis02-327	179	13	of	of	ADP
ajis02-327	179	14	insurance	insurance	NOUN
ajis02-327	179	15	was	be	AUX
ajis02-327	179	16	clearly	clearly	ADV
ajis02-327	179	17	recognised	recognise	VERB
ajis02-327	179	18	by	by	ADP
ajis02-327	179	19	respondents	respondent	NOUN
ajis02-327	179	20	.	.	PUNCT
ajis02-327	180	1	the	the	DET
ajis02-327	180	2	fundamental	fundamental	ADJ
ajis02-327	180	3	business	business	NOUN
ajis02-327	180	4	concern	concern	NOUN
ajis02-327	180	5	that	that	PRON
ajis02-327	180	6	emerged	emerge	VERB
ajis02-327	180	7	regarding	regard	VERB
ajis02-327	180	8	commerce	commerce	NOUN
ajis02-327	180	9	on	on	ADP
ajis02-327	180	10	the	the	DET
ajis02-327	180	11	internet	internet	NOUN
ajis02-327	180	12	was	be	AUX
ajis02-327	180	13	how	how	SCONJ
ajis02-327	180	14	to	to	PART
ajis02-327	180	15	separate	separate	VERB
ajis02-327	180	16	one	one	NUM
ajis02-327	180	17	's	's	PART
ajis02-327	180	18	organisation	organisation	NOUN
ajis02-327	180	19	and	and	CCONJ
ajis02-327	180	20	product	product	NOUN
ajis02-327	180	21	offerings	offering	NOUN
ajis02-327	180	22	on	on	ADP
ajis02-327	180	23	the	the	DET
ajis02-327	180	24	internet	internet	NOUN
ajis02-327	180	25	from	from	ADP
ajis02-327	180	26	rival	rival	ADJ
ajis02-327	180	27	organisations	organisation	NOUN
ajis02-327	180	28	on	on	ADP
ajis02-327	180	29	the	the	DET
ajis02-327	180	30	internet	internet	NOUN
ajis02-327	180	31	.	.	PUNCT
ajis02-327	181	1	the	the	DET
ajis02-327	181	2	filtering	filter	VERB
ajis02-327	181	3	mechanism	mechanism	NOUN
ajis02-327	181	4	respondents	respondent	NOUN
ajis02-327	181	5	mentioned	mention	VERB
ajis02-327	181	6	as	as	ADP
ajis02-327	181	7	necessary	necessary	ADJ
ajis02-327	181	8	for	for	ADP
ajis02-327	181	9	effective	effective	ADJ
ajis02-327	181	10	and	and	CCONJ
ajis02-327	181	11	efficient	efficient	ADJ
ajis02-327	181	12	matching	matching	NOUN
ajis02-327	181	13	of	of	ADP
ajis02-327	181	14	consumers	consumer	NOUN
ajis02-327	181	15	with	with	ADP
ajis02-327	181	16	products	product	NOUN
ajis02-327	181	17	have	have	AUX
ajis02-327	181	18	not	not	PART
ajis02-327	181	19	yet	yet	ADV
ajis02-327	181	20	matured	mature	VERB
ajis02-327	181	21	,	,	PUNCT
ajis02-327	181	22	though	though	SCONJ
ajis02-327	181	23	recent	recent	ADJ
ajis02-327	181	24	developments	development	NOUN
ajis02-327	181	25	in	in	ADP
ajis02-327	181	26	agent	agent	NOUN
ajis02-327	181	27	-	-	PUNCT
ajis02-327	181	28	mediated	mediate	VERB
ajis02-327	181	29	electronic	electronic	ADJ
ajis02-327	181	30	commerce	commerce	NOUN
ajis02-327	181	31	suggest	suggest	VERB
ajis02-327	181	32	progress	progress	NOUN
ajis02-327	181	33	is	be	AUX
ajis02-327	181	34	being	be	AUX
ajis02-327	181	35	made	make	VERB
ajis02-327	181	36	in	in	ADP
ajis02-327	181	37	this	this	DET
ajis02-327	181	38	area	area	NOUN
ajis02-327	181	39	.	.	PUNCT
ajis02-327	182	1	the	the	DET
ajis02-327	182	2	respondents	respondent	NOUN
ajis02-327	182	3	acknowledged	acknowledge	VERB
ajis02-327	182	4	the	the	DET
ajis02-327	182	5	internet	internet	NOUN
ajis02-327	182	6	's	's	PART
ajis02-327	182	7	ability	ability	NOUN
ajis02-327	182	8	to	to	PART
ajis02-327	182	9	serve	serve	VERB
ajis02-327	182	10	as	as	ADP
ajis02-327	182	11	a	a	DET
ajis02-327	182	12	local	local	ADJ
ajis02-327	182	13	,	,	PUNCT
ajis02-327	182	14	national	national	ADJ
ajis02-327	182	15	and	and	CCONJ
ajis02-327	182	16	international	international	ADJ
ajis02-327	182	17	interconnected	interconnected	ADJ
ajis02-327	182	18	marketplace	marketplace	NOUN
ajis02-327	182	19	matching	matching	NOUN
ajis02-327	182	20	buyers	buyer	NOUN
ajis02-327	182	21	and	and	CCONJ
ajis02-327	182	22	suppliers	supplier	NOUN
ajis02-327	182	23	.	.	PUNCT
ajis02-327	183	1	however	however	ADV
ajis02-327	183	2	,	,	PUNCT
ajis02-327	183	3	the	the	DET
ajis02-327	183	4	business	business	NOUN
ajis02-327	183	5	value	value	NOUN
ajis02-327	183	6	and	and	CCONJ
ajis02-327	183	7	implications	implication	NOUN
ajis02-327	183	8	of	of	ADP
ajis02-327	183	9	participating	participate	VERB
ajis02-327	183	10	in	in	ADP
ajis02-327	183	11	electronic	electronic	ADJ
ajis02-327	183	12	commerce	commerce	NOUN
ajis02-327	183	13	over	over	ADP
ajis02-327	183	14	the	the	DET
ajis02-327	183	15	internet	internet	NOUN
ajis02-327	183	16	remained	remain	VERB
ajis02-327	183	17	organisational	organisational	ADJ
ajis02-327	183	18	specific	specific	ADJ
ajis02-327	183	19	and	and	CCONJ
ajis02-327	183	20	tied	tie	VERB
ajis02-327	183	21	to	to	ADP
ajis02-327	183	22	strategic	strategic	ADJ
ajis02-327	183	23	speculation	speculation	NOUN
ajis02-327	183	24	and	and	CCONJ
ajis02-327	183	25	inference	inference	NOUN
ajis02-327	183	26	.	.	PUNCT
ajis02-327	184	1	electronic	electronic	ADJ
ajis02-327	184	2	integration	integration	NOUN
ajis02-327	184	3	effect	effect	NOUN
ajis02-327	184	4	this	this	DET
ajis02-327	184	5	section	section	NOUN
ajis02-327	184	6	of	of	ADP
ajis02-327	184	7	the	the	DET
ajis02-327	184	8	interview	interview	NOUN
ajis02-327	184	9	guide	guide	NOUN
ajis02-327	184	10	attempted	attempt	VERB
ajis02-327	184	11	to	to	PART
ajis02-327	184	12	explore	explore	VERB
ajis02-327	184	13	the	the	DET
ajis02-327	184	14	internet	internet	NOUN
ajis02-327	184	15	's	's	PART
ajis02-327	184	16	ability	ability	NOUN
ajis02-327	184	17	,	,	PUNCT
ajis02-327	184	18	not	not	PART
ajis02-327	184	19	just	just	ADV
ajis02-327	184	20	to	to	PART
ajis02-327	184	21	speed	speed	VERB
ajis02-327	184	22	communication	communication	NOUN
ajis02-327	184	23	,	,	PUNCT
ajis02-327	184	24	but	but	CCONJ
ajis02-327	184	25	to	to	PART
ajis02-327	184	26	also	also	ADV
ajis02-327	184	27	change	change	VERB
ajis02-327	184	28	the	the	DET
ajis02-327	184	29	business	business	NOUN
ajis02-327	184	30	processes	process	NOUN
ajis02-327	184	31	that	that	PRON
ajis02-327	184	32	create	create	VERB
ajis02-327	184	33	and	and	CCONJ
ajis02-327	184	34	use	use	VERB
ajis02-327	184	35	information	information	NOUN
ajis02-327	184	36	(	(	PUNCT
ajis02-327	184	37	malone	malone	PROPN
ajis02-327	184	38	,	,	PUNCT
ajis02-327	184	39	yates	yates	PROPN
ajis02-327	184	40	and	and	CCONJ
ajis02-327	184	41	benjamin	benjamin	PROPN
ajis02-327	184	42	1987	1987	NUM
ajis02-327	184	43	)	)	PUNCT
ajis02-327	184	44	.	.	PUNCT
ajis02-327	185	1	by	by	ADP
ajis02-327	185	2	asking	ask	VERB
ajis02-327	185	3	respondents	respondent	NOUN
ajis02-327	185	4	for	for	ADP
ajis02-327	185	5	their	their	PRON
ajis02-327	185	6	opinions	opinion	NOUN
ajis02-327	185	7	as	as	ADP
ajis02-327	185	8	to	to	ADP
ajis02-327	185	9	how	how	SCONJ
ajis02-327	185	10	the	the	DET
ajis02-327	185	11	internet	internet	NOUN
ajis02-327	185	12	can	can	AUX
ajis02-327	185	13	change	change	VERB
ajis02-327	185	14	their	their	PRON
ajis02-327	185	15	business	business	NOUN
ajis02-327	185	16	processes	process	NOUN
ajis02-327	185	17	,	,	PUNCT
ajis02-327	185	18	insight	insight	NOUN
ajis02-327	185	19	was	be	AUX
ajis02-327	185	20	gained	gain	VERB
ajis02-327	185	21	into	into	ADP
ajis02-327	185	22	how	how	SCONJ
ajis02-327	185	23	use	use	NOUN
ajis02-327	185	24	of	of	ADP
ajis02-327	185	25	the	the	DET
ajis02-327	185	26	internet	internet	NOUN
ajis02-327	185	27	as	as	SCONJ
ajis02-327	185	28	an	an	DET
ajis02-327	185	29	electronic	electronic	ADJ
ajis02-327	185	30	market	market	NOUN
ajis02-327	185	31	changes	change	VERB
ajis02-327	185	32	the	the	DET
ajis02-327	185	33	role	role	NOUN
ajis02-327	185	34	information	information	NOUN
ajis02-327	185	35	technology	technology	NOUN
ajis02-327	185	36	and	and	CCONJ
ajis02-327	185	37	information	information	NOUN
ajis02-327	185	38	in	in	ADP
ajis02-327	185	39	their	their	PRON
ajis02-327	185	40	firms	firm	NOUN
ajis02-327	185	41	.	.	PUNCT
ajis02-327	186	1	the	the	DET
ajis02-327	186	2	findings	finding	NOUN
ajis02-327	186	3	from	from	ADP
ajis02-327	186	4	this	this	DET
ajis02-327	186	5	section	section	NOUN
ajis02-327	186	6	were	be	AUX
ajis02-327	186	7	grouped	group	VERB
ajis02-327	186	8	into	into	ADP
ajis02-327	186	9	business	business	NOUN
ajis02-327	186	10	process	process	NOUN
ajis02-327	186	11	impacts	impact	NOUN
ajis02-327	186	12	,	,	PUNCT
ajis02-327	186	13	customer	customer	NOUN
ajis02-327	186	14	support	support	NOUN
ajis02-327	186	15	,	,	PUNCT
ajis02-327	186	16	organisational	organisational	ADJ
ajis02-327	186	17	speed	speed	NOUN
ajis02-327	186	18	,	,	PUNCT
ajis02-327	186	19	distribution	distribution	NOUN
ajis02-327	186	20	and	and	CCONJ
ajis02-327	186	21	information	information	NOUN
ajis02-327	186	22	use	use	NOUN
ajis02-327	186	23	.	.	PUNCT
ajis02-327	187	1	business	business	NOUN
ajis02-327	187	2	processes	process	VERB
ajis02-327	187	3	the	the	DET
ajis02-327	187	4	development	development	NOUN
ajis02-327	187	5	of	of	ADP
ajis02-327	187	6	internet	internet	NOUN
ajis02-327	187	7	and	and	CCONJ
ajis02-327	187	8	intranet	intranet	NOUN
ajis02-327	187	9	technologies	technology	NOUN
ajis02-327	187	10	was	be	AUX
ajis02-327	187	11	seen	see	VERB
ajis02-327	187	12	as	as	ADP
ajis02-327	187	13	a	a	DET
ajis02-327	187	14	tool	tool	NOUN
ajis02-327	187	15	for	for	SCONJ
ajis02-327	187	16	organisations	organisation	NOUN
ajis02-327	187	17	to	to	PART
ajis02-327	187	18	change	change	VERB
ajis02-327	187	19	their	their	PRON
ajis02-327	187	20	business	business	NOUN
ajis02-327	187	21	processes	process	NOUN
ajis02-327	187	22	to	to	PART
ajis02-327	187	23	respond	respond	VERB
ajis02-327	187	24	to	to	ADP
ajis02-327	187	25	new	new	ADJ
ajis02-327	187	26	and	and	CCONJ
ajis02-327	187	27	emerging	emerge	VERB
ajis02-327	187	28	market	market	NOUN
ajis02-327	187	29	needs	need	NOUN
ajis02-327	187	30	.	.	PUNCT
ajis02-327	188	1	however	however	ADV
ajis02-327	188	2	,	,	PUNCT
ajis02-327	188	3	the	the	DET
ajis02-327	188	4	theme	theme	NOUN
ajis02-327	188	5	that	that	SCONJ
ajis02-327	188	6	"	"	PUNCT
ajis02-327	188	7	...	...	PUNCT
ajis02-327	188	8	companies	company	NOUN
ajis02-327	188	9	and	and	CCONJ
ajis02-327	188	10	agents	agent	NOUN
ajis02-327	188	11	are	be	AUX
ajis02-327	188	12	like	like	ADP
ajis02-327	188	13	dinosaurs	dinosaur	NOUN
ajis02-327	188	14	,	,	PUNCT
ajis02-327	188	15	a	a	DET
ajis02-327	188	16	lot	lot	NOUN
ajis02-327	188	17	of	of	ADP
ajis02-327	188	18	them	they	PRON
ajis02-327	188	19	are	be	AUX
ajis02-327	188	20	n't	not	PART
ajis02-327	188	21	up	up	ADP
ajis02-327	188	22	to	to	AUX
ajis02-327	188	23	speed	speed	NOUN
ajis02-327	188	24	and	and	CCONJ
ajis02-327	188	25	have	have	VERB
ajis02-327	188	26	plenty	plenty	NOUN
ajis02-327	188	27	of	of	ADP
ajis02-327	188	28	obstacles	obstacle	NOUN
ajis02-327	188	29	in	in	ADP
ajis02-327	188	30	front	front	NOUN
ajis02-327	188	31	of	of	ADP
ajis02-327	188	32	them	they	PRON
ajis02-327	188	33	,	,	PUNCT
ajis02-327	188	34	"	"	PUNCT
ajis02-327	188	35	emerged	emerge	VERB
ajis02-327	188	36	as	as	ADP
ajis02-327	188	37	a	a	DET
ajis02-327	188	38	common	common	ADJ
ajis02-327	188	39	view	view	NOUN
ajis02-327	188	40	among	among	ADP
ajis02-327	188	41	respondents	respondent	NOUN
ajis02-327	188	42	.	.	PUNCT
ajis02-327	189	1	31	31	NUM
ajis02-327	189	2	ajis	ajis	AUX
ajis02-327	189	3	special	special	PROPN
ajis02-327	189	4	edition	edition	PROPN
ajis02-327	189	5	electronic	electronic	PROPN
ajis02-327	189	6	commerce	commerce	PROPN
ajis02-327	189	7	november	november	PROPN
ajis02-327	189	8	1998	1998	NUM
ajis02-327	189	9	the	the	DET
ajis02-327	189	10	internet	internet	NOUN
ajis02-327	189	11	is	be	AUX
ajis02-327	189	12	allowing	allow	VERB
ajis02-327	189	13	many	many	ADJ
ajis02-327	189	14	of	of	ADP
ajis02-327	189	15	the	the	DET
ajis02-327	189	16	participating	participate	VERB
ajis02-327	189	17	firms	firm	NOUN
ajis02-327	189	18	to	to	PART
ajis02-327	189	19	rethink	rethink	VERB
ajis02-327	189	20	the	the	DET
ajis02-327	189	21	best	good	ADJ
ajis02-327	189	22	manner	manner	NOUN
ajis02-327	189	23	for	for	SCONJ
ajis02-327	189	24	them	they	PRON
ajis02-327	189	25	to	to	PART
ajis02-327	189	26	organise	organise	VERB
ajis02-327	189	27	and	and	CCONJ
ajis02-327	189	28	conduct	conduct	VERB
ajis02-327	189	29	business	business	NOUN
ajis02-327	189	30	,	,	PUNCT
ajis02-327	189	31	especially	especially	ADV
ajis02-327	189	32	those	those	DET
ajis02-327	189	33	functions	function	NOUN
ajis02-327	189	34	which	which	PRON
ajis02-327	189	35	are	be	AUX
ajis02-327	189	36	supported	support	VERB
ajis02-327	189	37	by	by	ADP
ajis02-327	189	38	information	information	NOUN
ajis02-327	189	39	technology	technology	NOUN
ajis02-327	189	40	.	.	PUNCT
ajis02-327	190	1	such	such	ADJ
ajis02-327	190	2	thinking	thinking	NOUN
ajis02-327	190	3	led	lead	VERB
ajis02-327	190	4	respondents	respondent	NOUN
ajis02-327	190	5	to	to	PART
ajis02-327	190	6	provide	provide	VERB
ajis02-327	190	7	the	the	DET
ajis02-327	190	8	following	follow	VERB
ajis02-327	190	9	views	view	NOUN
ajis02-327	190	10	regarding	regard	VERB
ajis02-327	190	11	internet	internet	NOUN
ajis02-327	190	12	technologies	technology	NOUN
ajis02-327	190	13	:	:	PUNCT
ajis02-327	190	14	•	•	ADP
ajis02-327	190	15	the	the	DET
ajis02-327	190	16	incorporation	incorporation	NOUN
ajis02-327	190	17	of	of	ADP
ajis02-327	190	18	data	datum	NOUN
ajis02-327	190	19	warehousing	warehousing	NOUN
ajis02-327	190	20	,	,	PUNCT
ajis02-327	190	21	databases	database	NOUN
ajis02-327	190	22	,	,	PUNCT
ajis02-327	190	23	and	and	CCONJ
ajis02-327	190	24	decision	decision	NOUN
ajis02-327	190	25	support	support	NOUN
ajis02-327	190	26	systems	system	NOUN
ajis02-327	190	27	with	with	ADP
ajis02-327	190	28	internet	internet	NOUN
ajis02-327	190	29	technologies	technology	NOUN
ajis02-327	190	30	increases	increase	VERB
ajis02-327	190	31	organisational	organisational	ADJ
ajis02-327	190	32	ability	ability	NOUN
ajis02-327	190	33	to	to	PART
ajis02-327	190	34	improve	improve	VERB
ajis02-327	190	35	business	business	NOUN
ajis02-327	190	36	practices	practice	NOUN
ajis02-327	190	37	through	through	ADP
ajis02-327	190	38	work	work	NOUN
ajis02-327	190	39	-	-	PUNCT
ajis02-327	190	40	flow	flow	NOUN
ajis02-327	190	41	reengineering	reengineering	NOUN
ajis02-327	190	42	and	and	CCONJ
ajis02-327	190	43	building	build	VERB
ajis02-327	190	44	new	new	ADJ
ajis02-327	190	45	business	business	NOUN
ajis02-327	190	46	applications	application	NOUN
ajis02-327	190	47	.	.	PUNCT
ajis02-327	191	1	•	•	INTJ
ajis02-327	191	2	as	as	ADP
ajis02-327	191	3	a	a	DET
ajis02-327	191	4	technology	technology	NOUN
ajis02-327	191	5	infrastructure	infrastructure	NOUN
ajis02-327	191	6	for	for	ADP
ajis02-327	191	7	business	business	NOUN
ajis02-327	191	8	processes	process	NOUN
ajis02-327	191	9	,	,	PUNCT
ajis02-327	191	10	the	the	DET
ajis02-327	191	11	internet	internet	NOUN
ajis02-327	191	12	and	and	CCONJ
ajis02-327	191	13	related	related	ADJ
ajis02-327	191	14	technologies	technology	NOUN
ajis02-327	191	15	are	be	AUX
ajis02-327	191	16	more	more	ADV
ajis02-327	191	17	affordable	affordable	ADJ
ajis02-327	191	18	and	and	CCONJ
ajis02-327	191	19	flexible	flexible	ADJ
ajis02-327	191	20	(	(	PUNCT
ajis02-327	191	21	i.e.	i.e.	X
ajis02-327	191	22	,	,	PUNCT
ajis02-327	191	23	open	open	ADJ
ajis02-327	191	24	standards	standard	NOUN
ajis02-327	191	25	,	,	PUNCT
ajis02-327	191	26	browser	browser	NOUN
ajis02-327	191	27	technology	technology	NOUN
ajis02-327	191	28	,	,	PUNCT
ajis02-327	191	29	accessibility	accessibility	NOUN
ajis02-327	191	30	,	,	PUNCT
ajis02-327	191	31	etc	etc	X
ajis02-327	191	32	.	.	X
ajis02-327	191	33	)	)	PUNCT
ajis02-327	191	34	.	.	PUNCT
ajis02-327	192	1	•	•	NOUN
ajis02-327	192	2	the	the	DET
ajis02-327	192	3	internet	internet	NOUN
ajis02-327	192	4	facilitates	facilitate	VERB
ajis02-327	192	5	the	the	DET
ajis02-327	192	6	crossing	crossing	NOUN
ajis02-327	192	7	of	of	ADP
ajis02-327	192	8	organisational	organisational	ADJ
ajis02-327	192	9	boundaries	boundary	NOUN
ajis02-327	192	10	and	and	CCONJ
ajis02-327	192	11	the	the	DET
ajis02-327	192	12	seamless	seamless	ADJ
ajis02-327	192	13	integration	integration	NOUN
ajis02-327	192	14	of	of	ADP
ajis02-327	192	15	vendor	vendor	NOUN
ajis02-327	192	16	and	and	CCONJ
ajis02-327	192	17	agent	agent	NOUN
ajis02-327	192	18	operations	operation	NOUN
ajis02-327	192	19	.	.	PUNCT
ajis02-327	193	1	•	•	NUM
ajis02-327	193	2	potential	potential	ADJ
ajis02-327	193	3	business	business	NOUN
ajis02-327	193	4	processes	process	NOUN
ajis02-327	193	5	for	for	ADP
ajis02-327	193	6	change	change	NOUN
ajis02-327	193	7	include	include	VERB
ajis02-327	193	8	enabling	enable	VERB
ajis02-327	193	9	streamlining	streamlining	NOUN
ajis02-327	193	10	of	of	ADP
ajis02-327	193	11	functions	function	NOUN
ajis02-327	193	12	,	,	PUNCT
ajis02-327	193	13	increased	increase	VERB
ajis02-327	193	14	speed	speed	NOUN
ajis02-327	193	15	to	to	ADP
ajis02-327	193	16	market	market	NOUN
ajis02-327	193	17	,	,	PUNCT
ajis02-327	193	18	and	and	CCONJ
ajis02-327	193	19	on	on	ADP
ajis02-327	193	20	-	-	PUNCT
ajis02-327	193	21	line	line	NOUN
ajis02-327	193	22	claim	claim	NOUN
ajis02-327	193	23	status	status	NOUN
ajis02-327	193	24	checking	check	VERB
ajis02-327	193	25	and	and	CCONJ
ajis02-327	193	26	coverage	coverage	NOUN
ajis02-327	193	27	changing	change	VERB
ajis02-327	193	28	abilities	ability	NOUN
ajis02-327	193	29	.	.	PUNCT
ajis02-327	194	1	customer	customer	NOUN
ajis02-327	194	2	support	support	VERB
ajis02-327	194	3	the	the	DET
ajis02-327	194	4	internet	internet	NOUN
ajis02-327	194	5	's	's	PART
ajis02-327	194	6	ability	ability	NOUN
ajis02-327	194	7	to	to	PART
ajis02-327	194	8	serve	serve	VERB
ajis02-327	194	9	as	as	ADP
ajis02-327	194	10	a	a	DET
ajis02-327	194	11	tool	tool	NOUN
ajis02-327	194	12	for	for	SCONJ
ajis02-327	194	13	companies	company	NOUN
ajis02-327	194	14	to	to	PART
ajis02-327	194	15	build	build	VERB
ajis02-327	194	16	customer	customer	NOUN
ajis02-327	194	17	support	support	NOUN
ajis02-327	194	18	and	and	CCONJ
ajis02-327	194	19	service	service	NOUN
ajis02-327	194	20	emerged	emerge	VERB
ajis02-327	194	21	as	as	ADP
ajis02-327	194	22	an	an	DET
ajis02-327	194	23	immediate	immediate	ADJ
ajis02-327	194	24	target	target	NOUN
ajis02-327	194	25	for	for	ADP
ajis02-327	194	26	organisational	organisational	ADJ
ajis02-327	194	27	resources	resource	NOUN
ajis02-327	194	28	.	.	PUNCT
ajis02-327	195	1	during	during	ADP
ajis02-327	195	2	the	the	DET
ajis02-327	195	3	interviews	interview	NOUN
ajis02-327	195	4	it	it	PRON
ajis02-327	195	5	became	become	VERB
ajis02-327	195	6	clear	clear	ADJ
ajis02-327	195	7	that	that	SCONJ
ajis02-327	195	8	interconnected	interconnect	VERB
ajis02-327	195	9	communications	communication	NOUN
ajis02-327	195	10	links	link	NOUN
ajis02-327	195	11	between	between	ADP
ajis02-327	195	12	agents	agent	NOUN
ajis02-327	195	13	,	,	PUNCT
ajis02-327	195	14	companies	company	NOUN
ajis02-327	195	15	and	and	CCONJ
ajis02-327	195	16	consumers	consumer	NOUN
ajis02-327	195	17	could	could	AUX
ajis02-327	195	18	benefit	benefit	VERB
ajis02-327	195	19	carriers	carrier	NOUN
ajis02-327	195	20	immensely	immensely	ADV
ajis02-327	195	21	.	.	PUNCT
ajis02-327	196	1	the	the	DET
ajis02-327	196	2	targeted	target	VERB
ajis02-327	196	3	benefits	benefit	NOUN
ajis02-327	196	4	varied	vary	VERB
ajis02-327	196	5	between	between	ADP
ajis02-327	196	6	respondents	respondent	NOUN
ajis02-327	196	7	,	,	PUNCT
ajis02-327	196	8	but	but	CCONJ
ajis02-327	196	9	some	some	DET
ajis02-327	196	10	common	common	ADJ
ajis02-327	196	11	areas	area	NOUN
ajis02-327	196	12	of	of	ADP
ajis02-327	196	13	possible	possible	ADJ
ajis02-327	196	14	interest	interest	NOUN
ajis02-327	196	15	for	for	ADP
ajis02-327	196	16	improvement	improvement	NOUN
ajis02-327	196	17	were	be	AUX
ajis02-327	196	18	:	:	PUNCT
ajis02-327	196	19	•	•	ADP
ajis02-327	196	20	the	the	DET
ajis02-327	196	21	internet	internet	NOUN
ajis02-327	196	22	to	to	PART
ajis02-327	196	23	serve	serve	VERB
ajis02-327	196	24	as	as	ADP
ajis02-327	196	25	a	a	DET
ajis02-327	196	26	tool	tool	NOUN
ajis02-327	196	27	to	to	PART
ajis02-327	196	28	support	support	VERB
ajis02-327	196	29	and	and	CCONJ
ajis02-327	196	30	enable	enable	VERB
ajis02-327	196	31	agents	agent	NOUN
ajis02-327	196	32	and	and	CCONJ
ajis02-327	196	33	consumers	consumer	NOUN
ajis02-327	196	34	(	(	PUNCT
ajis02-327	196	35	example	example	NOUN
ajis02-327	196	36	:	:	PUNCT
ajis02-327	196	37	obtaining	obtain	VERB
ajis02-327	196	38	quotes	quote	NOUN
ajis02-327	196	39	faster	fast	ADV
ajis02-327	196	40	,	,	PUNCT
ajis02-327	196	41	more	more	ADJ
ajis02-327	196	42	in	in	ADP
ajis02-327	196	43	-	-	PUNCT
ajis02-327	196	44	depth	depth	NOUN
ajis02-327	196	45	marketing	marketing	NOUN
ajis02-327	196	46	information	information	NOUN
ajis02-327	196	47	,	,	PUNCT
ajis02-327	196	48	)	)	PUNCT
ajis02-327	196	49	•	•	ADP
ajis02-327	196	50	increasing	increase	VERB
ajis02-327	196	51	consumer	consumer	NOUN
ajis02-327	196	52	comfort	comfort	NOUN
ajis02-327	196	53	with	with	ADP
ajis02-327	196	54	on	on	ADP
ajis02-327	196	55	-	-	PUNCT
ajis02-327	196	56	line	line	NOUN
ajis02-327	196	57	insurance	insurance	NOUN
ajis02-327	196	58	servicing	servicing	NOUN
ajis02-327	196	59	•	•	NUM
ajis02-327	196	60	increased	increase	VERB
ajis02-327	196	61	consumer	consumer	NOUN
ajis02-327	196	62	servicing	servicing	NOUN
ajis02-327	196	63	and	and	CCONJ
ajis02-327	196	64	communication	communication	NOUN
ajis02-327	196	65	(	(	PUNCT
ajis02-327	196	66	especially	especially	ADV
ajis02-327	196	67	with	with	ADP
ajis02-327	196	68	claim	claim	NOUN
ajis02-327	196	69	reporting	reporting	NOUN
ajis02-327	196	70	,	,	PUNCT
ajis02-327	196	71	billing	billing	NOUN
ajis02-327	196	72	status	status	NOUN
ajis02-327	196	73	,	,	PUNCT
ajis02-327	196	74	claim	claim	NOUN
ajis02-327	196	75	status	status	NOUN
ajis02-327	196	76	,	,	PUNCT
ajis02-327	196	77	etc	etc	X
ajis02-327	196	78	.	.	X
ajis02-327	196	79	)	)	PUNCT
ajis02-327	197	1	•	•	ADP
ajis02-327	197	2	improving	improve	VERB
ajis02-327	197	3	agent	agent	NOUN
ajis02-327	197	4	-	-	PUNCT
ajis02-327	197	5	company	company	NOUN
ajis02-327	197	6	relationships	relationship	NOUN
ajis02-327	197	7	•	•	ADP
ajis02-327	197	8	building	building	NOUN
ajis02-327	197	9	carrier	carrier	NOUN
ajis02-327	197	10	reputation	reputation	NOUN
ajis02-327	197	11	and	and	CCONJ
ajis02-327	197	12	brand	brand	NOUN
ajis02-327	197	13	recognition	recognition	NOUN
ajis02-327	197	14	on	on	ADP
ajis02-327	197	15	the	the	DET
ajis02-327	197	16	internet	internet	NOUN
ajis02-327	197	17	organisational	organisational	ADJ
ajis02-327	197	18	responsiveness	responsiveness	NOUN
ajis02-327	197	19	an	an	DET
ajis02-327	197	20	issue	issue	NOUN
ajis02-327	197	21	that	that	PRON
ajis02-327	197	22	emerged	emerge	VERB
ajis02-327	197	23	during	during	ADP
ajis02-327	197	24	the	the	DET
ajis02-327	197	25	interviews	interview	NOUN
ajis02-327	197	26	was	be	AUX
ajis02-327	197	27	organisational	organisational	ADJ
ajis02-327	197	28	speed	speed	NOUN
ajis02-327	197	29	in	in	ADP
ajis02-327	197	30	meeting	meet	VERB
ajis02-327	197	31	consumer	consumer	NOUN
ajis02-327	197	32	needs	need	NOUN
ajis02-327	197	33	and	and	CCONJ
ajis02-327	197	34	responding	respond	VERB
ajis02-327	197	35	to	to	ADP
ajis02-327	197	36	market	market	NOUN
ajis02-327	197	37	changes	change	NOUN
ajis02-327	197	38	.	.	PUNCT
ajis02-327	198	1	the	the	DET
ajis02-327	198	2	prospect	prospect	NOUN
ajis02-327	198	3	of	of	ADP
ajis02-327	198	4	having	have	VERB
ajis02-327	198	5	consumers	consumer	NOUN
ajis02-327	198	6	and	and	CCONJ
ajis02-327	198	7	agents	agent	NOUN
ajis02-327	198	8	interacting	interact	VERB
ajis02-327	198	9	with	with	ADP
ajis02-327	198	10	organisational	organisational	ADJ
ajis02-327	198	11	members	member	NOUN
ajis02-327	198	12	instantaneously	instantaneously	ADV
ajis02-327	198	13	through	through	ADP
ajis02-327	198	14	e	e	NOUN
ajis02-327	198	15	-	-	NOUN
ajis02-327	198	16	mail	mail	NOUN
ajis02-327	198	17	rather	rather	ADV
ajis02-327	198	18	than	than	ADP
ajis02-327	198	19	the	the	DET
ajis02-327	198	20	traditional	traditional	ADJ
ajis02-327	198	21	postal	postal	ADJ
ajis02-327	198	22	system	system	NOUN
ajis02-327	198	23	has	have	AUX
ajis02-327	198	24	begun	begin	VERB
ajis02-327	198	25	to	to	PART
ajis02-327	198	26	encourage	encourage	VERB
ajis02-327	198	27	the	the	DET
ajis02-327	198	28	organisations	organisation	NOUN
ajis02-327	198	29	participating	participate	VERB
ajis02-327	198	30	in	in	ADP
ajis02-327	198	31	the	the	DET
ajis02-327	198	32	study	study	NOUN
ajis02-327	198	33	to	to	PART
ajis02-327	198	34	rethink	rethink	VERB
ajis02-327	198	35	how	how	SCONJ
ajis02-327	198	36	,	,	PUNCT
ajis02-327	198	37	where	where	SCONJ
ajis02-327	198	38	and	and	CCONJ
ajis02-327	198	39	when	when	SCONJ
ajis02-327	198	40	consumers	consumer	NOUN
ajis02-327	198	41	interact	interact	VERB
ajis02-327	198	42	with	with	ADP
ajis02-327	198	43	them	they	PRON
ajis02-327	198	44	.	.	PUNCT
ajis02-327	199	1	also	also	ADV
ajis02-327	199	2	,	,	PUNCT
ajis02-327	199	3	the	the	DET
ajis02-327	199	4	ability	ability	NOUN
ajis02-327	199	5	to	to	PART
ajis02-327	199	6	create	create	VERB
ajis02-327	199	7	a	a	DET
ajis02-327	199	8	customer	customer	NOUN
ajis02-327	199	9	and	and	CCONJ
ajis02-327	199	10	agency	agency	NOUN
ajis02-327	199	11	feedback	feedback	NOUN
ajis02-327	199	12	mechanism	mechanism	NOUN
ajis02-327	199	13	through	through	ADP
ajis02-327	199	14	the	the	DET
ajis02-327	199	15	internet	internet	NOUN
ajis02-327	199	16	to	to	PART
ajis02-327	199	17	improve	improve	VERB
ajis02-327	199	18	organisational	organisational	ADJ
ajis02-327	199	19	learning	learning	NOUN
ajis02-327	199	20	was	be	AUX
ajis02-327	199	21	seen	see	VERB
ajis02-327	199	22	as	as	ADP
ajis02-327	199	23	an	an	DET
ajis02-327	199	24	important	important	ADJ
ajis02-327	199	25	area	area	NOUN
ajis02-327	199	26	for	for	ADP
ajis02-327	199	27	development	development	NOUN
ajis02-327	199	28	.	.	PUNCT
ajis02-327	200	1	distribution	distribution	NOUN
ajis02-327	200	2	the	the	DET
ajis02-327	200	3	manner	manner	NOUN
ajis02-327	200	4	through	through	ADP
ajis02-327	200	5	which	which	PRON
ajis02-327	200	6	carrier	carrier	NOUN
ajis02-327	200	7	information	information	NOUN
ajis02-327	200	8	,	,	PUNCT
ajis02-327	200	9	products	product	NOUN
ajis02-327	200	10	and	and	CCONJ
ajis02-327	200	11	services	service	NOUN
ajis02-327	200	12	are	be	AUX
ajis02-327	200	13	distributed	distribute	VERB
ajis02-327	200	14	was	be	AUX
ajis02-327	200	15	provided	provide	VERB
ajis02-327	200	16	as	as	ADP
ajis02-327	200	17	an	an	DET
ajis02-327	200	18	example	example	NOUN
ajis02-327	200	19	of	of	ADP
ajis02-327	200	20	how	how	SCONJ
ajis02-327	200	21	the	the	DET
ajis02-327	200	22	internet	internet	NOUN
ajis02-327	200	23	is	be	AUX
ajis02-327	200	24	changing	change	VERB
ajis02-327	200	25	distribution	distribution	NOUN
ajis02-327	200	26	.	.	PUNCT
ajis02-327	201	1	respondents	respondent	NOUN
ajis02-327	201	2	saw	see	VERB
ajis02-327	201	3	the	the	DET
ajis02-327	201	4	internet	internet	NOUN
ajis02-327	201	5	's	's	PART
ajis02-327	201	6	potential	potential	NOUN
ajis02-327	201	7	to	to	PART
ajis02-327	201	8	integrate	integrate	VERB
ajis02-327	201	9	publications	publication	NOUN
ajis02-327	201	10	,	,	PUNCT
ajis02-327	201	11	coverages	coverage	NOUN
ajis02-327	201	12	,	,	PUNCT
ajis02-327	201	13	agents	agent	NOUN
ajis02-327	201	14	,	,	PUNCT
ajis02-327	201	15	purchasing	purchase	VERB
ajis02-327	201	16	information	information	NOUN
ajis02-327	201	17	,	,	PUNCT
ajis02-327	201	18	relevant	relevant	ADJ
ajis02-327	201	19	news	news	NOUN
ajis02-327	201	20	,	,	PUNCT
ajis02-327	201	21	and	and	CCONJ
ajis02-327	201	22	other	other	ADJ
ajis02-327	201	23	information	information	NOUN
ajis02-327	201	24	into	into	ADP
ajis02-327	201	25	a	a	DET
ajis02-327	201	26	medium	medium	NOUN
ajis02-327	201	27	of	of	ADP
ajis02-327	201	28	value	value	NOUN
ajis02-327	201	29	added	add	VERB
ajis02-327	201	30	distribution	distribution	NOUN
ajis02-327	201	31	,	,	PUNCT
ajis02-327	201	32	as	as	ADP
ajis02-327	201	33	having	have	VERB
ajis02-327	201	34	a	a	DET
ajis02-327	201	35	profound	profound	ADJ
ajis02-327	201	36	impact	impact	NOUN
ajis02-327	201	37	on	on	ADP
ajis02-327	201	38	their	their	PRON
ajis02-327	201	39	businesses	business	NOUN
ajis02-327	201	40	.	.	PUNCT
ajis02-327	202	1	however	however	ADV
ajis02-327	202	2	,	,	PUNCT
ajis02-327	202	3	a	a	DET
ajis02-327	202	4	distinction	distinction	NOUN
ajis02-327	202	5	should	should	AUX
ajis02-327	202	6	be	be	AUX
ajis02-327	202	7	made	make	VERB
ajis02-327	202	8	between	between	ADP
ajis02-327	202	9	those	those	PRON
ajis02-327	202	10	who	who	PRON
ajis02-327	202	11	had	have	VERB
ajis02-327	202	12	strategic	strategic	ADJ
ajis02-327	202	13	,	,	PUNCT
ajis02-327	202	14	longer	long	ADJ
ajis02-327	202	15	term	term	NOUN
ajis02-327	202	16	outlooks	outlook	NOUN
ajis02-327	202	17	on	on	ADP
ajis02-327	202	18	the	the	DET
ajis02-327	202	19	business	business	NOUN
ajis02-327	202	20	impacts	impact	NOUN
ajis02-327	202	21	of	of	ADP
ajis02-327	202	22	the	the	DET
ajis02-327	202	23	internet	internet	NOUN
ajis02-327	202	24	and	and	CCONJ
ajis02-327	202	25	those	those	PRON
ajis02-327	202	26	who	who	PRON
ajis02-327	202	27	had	have	VERB
ajis02-327	202	28	more	more	ADV
ajis02-327	202	29	operational	operational	ADJ
ajis02-327	202	30	,	,	PUNCT
ajis02-327	202	31	short	short	ADJ
ajis02-327	202	32	term	term	NOUN
ajis02-327	202	33	oriented	orient	VERB
ajis02-327	202	34	views	view	NOUN
ajis02-327	202	35	.	.	PUNCT
ajis02-327	203	1	the	the	DET
ajis02-327	203	2	immediate	immediate	ADJ
ajis02-327	203	3	short	short	ADJ
ajis02-327	203	4	term	term	NOUN
ajis02-327	203	5	outlook	outlook	NOUN
ajis02-327	203	6	on	on	ADP
ajis02-327	203	7	the	the	DET
ajis02-327	203	8	internet	internet	NOUN
ajis02-327	203	9	's	's	PART
ajis02-327	203	10	impact	impact	NOUN
ajis02-327	203	11	on	on	ADP
ajis02-327	203	12	distribution	distribution	NOUN
ajis02-327	203	13	was	be	AUX
ajis02-327	203	14	seen	see	VERB
ajis02-327	203	15	as	as	ADP
ajis02-327	203	16	serving	serve	VERB
ajis02-327	203	17	as	as	ADP
ajis02-327	203	18	an	an	DET
ajis02-327	203	19	alternative	alternative	ADJ
ajis02-327	203	20	or	or	CCONJ
ajis02-327	203	21	additional	additional	ADJ
ajis02-327	203	22	mechanism	mechanism	NOUN
ajis02-327	203	23	for	for	ADP
ajis02-327	203	24	agency	agency	NOUN
ajis02-327	203	25	and	and	CCONJ
ajis02-327	203	26	company	company	NOUN
ajis02-327	203	27	use	use	NOUN
ajis02-327	203	28	.	.	PUNCT
ajis02-327	204	1	conclusion	conclusion	NOUN
ajis02-327	204	2	by	by	ADP
ajis02-327	204	3	focusing	focus	VERB
ajis02-327	204	4	on	on	ADP
ajis02-327	204	5	how	how	SCONJ
ajis02-327	204	6	organisations	organisation	NOUN
ajis02-327	204	7	anticipate	anticipate	VERB
ajis02-327	204	8	electronic	electronic	ADJ
ajis02-327	204	9	integration	integration	NOUN
ajis02-327	204	10	of	of	ADP
ajis02-327	204	11	the	the	DET
ajis02-327	204	12	internet	internet	NOUN
ajis02-327	204	13	into	into	ADP
ajis02-327	204	14	their	their	PRON
ajis02-327	204	15	business	business	NOUN
ajis02-327	204	16	processes	process	NOUN
ajis02-327	204	17	and	and	CCONJ
ajis02-327	204	18	strategic	strategic	ADJ
ajis02-327	204	19	objectives	objective	NOUN
ajis02-327	204	20	,	,	PUNCT
ajis02-327	204	21	insights	insight	NOUN
ajis02-327	204	22	emerge	emerge	VERB
ajis02-327	204	23	about	about	ADP
ajis02-327	204	24	how	how	SCONJ
ajis02-327	204	25	insurance	insurance	NOUN
ajis02-327	204	26	carriers	carrier	NOUN
ajis02-327	204	27	see	see	VERB
ajis02-327	204	28	business	business	NOUN
ajis02-327	204	29	processes	process	NOUN
ajis02-327	204	30	,	,	PUNCT
ajis02-327	204	31	customer	customer	NOUN
ajis02-327	204	32	support	support	NOUN
ajis02-327	204	33	,	,	PUNCT
ajis02-327	204	34	organisational	organisational	ADJ
ajis02-327	204	35	speed	speed	NOUN
ajis02-327	204	36	,	,	PUNCT
ajis02-327	204	37	distribution	distribution	NOUN
ajis02-327	204	38	and	and	CCONJ
ajis02-327	204	39	information	information	NOUN
ajis02-327	204	40	use	use	NOUN
ajis02-327	204	41	are	be	AUX
ajis02-327	204	42	being	be	AUX
ajis02-327	204	43	impacted	impact	VERB
ajis02-327	204	44	by	by	ADP
ajis02-327	204	45	the	the	DET
ajis02-327	204	46	internet	internet	NOUN
ajis02-327	204	47	.	.	PUNCT
ajis02-327	205	1	in	in	ADP
ajis02-327	205	2	summary	summary	NOUN
ajis02-327	205	3	,	,	PUNCT
ajis02-327	205	4	it	it	PRON
ajis02-327	205	5	became	become	VERB
ajis02-327	205	6	evident	evident	ADJ
ajis02-327	205	7	from	from	ADP
ajis02-327	205	8	the	the	DET
ajis02-327	205	9	interviews	interview	NOUN
ajis02-327	205	10	that	that	PRON
ajis02-327	205	11	the	the	DET
ajis02-327	205	12	internet	internet	NOUN
ajis02-327	205	13	enables	enable	VERB
ajis02-327	205	14	not	not	PART
ajis02-327	205	15	only	only	ADV
ajis02-327	205	16	increased	increase	VERB
ajis02-327	205	17	speed	speed	NOUN
ajis02-327	205	18	of	of	ADP
ajis02-327	205	19	communication	communication	NOUN
ajis02-327	205	20	,	,	PUNCT
ajis02-327	205	21	but	but	CCONJ
ajis02-327	205	22	also	also	ADV
ajis02-327	205	23	can	can	AUX
ajis02-327	205	24	serve	serve	VERB
ajis02-327	205	25	to	to	PART
ajis02-327	205	26	provide	provide	VERB
ajis02-327	205	27	a	a	DET
ajis02-327	205	28	platform	platform	NOUN
ajis02-327	205	29	for	for	SCONJ
ajis02-327	205	30	organisations	organisation	NOUN
ajis02-327	205	31	to	to	PART
ajis02-327	205	32	rethink	rethink	VERB
ajis02-327	205	33	and	and	CCONJ
ajis02-327	205	34	re	re	ADJ
ajis02-327	205	35	-	-	NOUN
ajis02-327	205	36	engineer	engineer	ADJ
ajis02-327	205	37	business	business	NOUN
ajis02-327	205	38	processes	process	NOUN
ajis02-327	205	39	.	.	PUNCT
ajis02-327	206	1	effects	effect	NOUN
ajis02-327	206	2	of	of	ADP
ajis02-327	206	3	and	and	CCONJ
ajis02-327	206	4	upon	upon	SCONJ
ajis02-327	206	5	insurance	insurance	NOUN
ajis02-327	206	6	product	product	NOUN
ajis02-327	206	7	characteristics	characteristic	NOUN
ajis02-327	206	8	this	this	DET
ajis02-327	206	9	section	section	NOUN
ajis02-327	206	10	of	of	ADP
ajis02-327	206	11	the	the	DET
ajis02-327	206	12	study	study	NOUN
ajis02-327	206	13	considered	consider	VERB
ajis02-327	206	14	the	the	DET
ajis02-327	206	15	suitability	suitability	NOUN
ajis02-327	206	16	of	of	ADP
ajis02-327	206	17	insurance	insurance	NOUN
ajis02-327	206	18	products	product	NOUN
ajis02-327	206	19	for	for	ADP
ajis02-327	206	20	transaction	transaction	NOUN
ajis02-327	206	21	over	over	ADP
ajis02-327	206	22	the	the	DET
ajis02-327	206	23	internet	internet	NOUN
ajis02-327	206	24	.	.	PUNCT
ajis02-327	207	1	to	to	PART
ajis02-327	207	2	identify	identify	VERB
ajis02-327	207	3	respondents	respondent	NOUN
ajis02-327	207	4	views	view	NOUN
ajis02-327	207	5	on	on	ADP
ajis02-327	207	6	the	the	DET
ajis02-327	207	7	suitability	suitability	NOUN
ajis02-327	207	8	of	of	ADP
ajis02-327	207	9	insurance	insurance	NOUN
ajis02-327	207	10	products	product	NOUN
ajis02-327	207	11	for	for	ADP
ajis02-327	207	12	an	an	DET
ajis02-327	207	13	electronic	electronic	ADJ
ajis02-327	207	14	market	market	NOUN
ajis02-327	207	15	environment	environment	NOUN
ajis02-327	207	16	,	,	PUNCT
ajis02-327	207	17	we	we	PRON
ajis02-327	207	18	examined	examine	VERB
ajis02-327	207	19	product	product	NOUN
ajis02-327	207	20	characteristics	characteristic	NOUN
ajis02-327	207	21	and	and	CCONJ
ajis02-327	207	22	non	non	ADJ
ajis02-327	207	23	-	-	ADJ
ajis02-327	207	24	contractible	contractible	ADJ
ajis02-327	207	25	investments	investment	NOUN
ajis02-327	207	26	.	.	PUNCT
ajis02-327	208	1	32	32	NUM
ajis02-327	208	2	ajis	ajis	AUX
ajis02-327	208	3	special	special	PROPN
ajis02-327	208	4	edition	edition	NOUN
ajis02-327	208	5	electronic	electronic	PROPN
ajis02-327	208	6	commerce	commerce	PROPN
ajis02-327	208	7	november	november	PROPN
ajis02-327	208	8	1998	1998	NUM
ajis02-327	208	9	insurance	insurance	NOUN
ajis02-327	208	10	product	product	NOUN
ajis02-327	208	11	characteristics	characteristic	NOUN
ajis02-327	208	12	in	in	ADP
ajis02-327	208	13	an	an	DET
ajis02-327	208	14	attempt	attempt	NOUN
ajis02-327	208	15	to	to	PART
ajis02-327	208	16	understand	understand	VERB
ajis02-327	208	17	whether	whether	SCONJ
ajis02-327	208	18	insurance	insurance	NOUN
ajis02-327	208	19	products	product	NOUN
ajis02-327	208	20	and	and	CCONJ
ajis02-327	208	21	services	service	NOUN
ajis02-327	208	22	distributed	distribute	VERB
ajis02-327	208	23	through	through	ADP
ajis02-327	208	24	the	the	DET
ajis02-327	208	25	internet	internet	NOUN
ajis02-327	208	26	would	would	AUX
ajis02-327	208	27	be	be	AUX
ajis02-327	208	28	viewed	view	VERB
ajis02-327	208	29	as	as	ADP
ajis02-327	208	30	a	a	DET
ajis02-327	208	31	commodity	commodity	NOUN
ajis02-327	208	32	or	or	CCONJ
ajis02-327	208	33	differentiated	differentiated	ADJ
ajis02-327	208	34	product	product	NOUN
ajis02-327	208	35	,	,	PUNCT
ajis02-327	208	36	respondents	respondent	NOUN
ajis02-327	208	37	were	be	AUX
ajis02-327	208	38	asked	ask	VERB
ajis02-327	208	39	for	for	ADP
ajis02-327	208	40	their	their	PRON
ajis02-327	208	41	views	view	NOUN
ajis02-327	208	42	on	on	ADP
ajis02-327	208	43	the	the	DET
ajis02-327	208	44	nature	nature	NOUN
ajis02-327	208	45	of	of	ADP
ajis02-327	208	46	their	their	PRON
ajis02-327	208	47	products	product	NOUN
ajis02-327	208	48	and	and	CCONJ
ajis02-327	208	49	services	service	NOUN
ajis02-327	208	50	.	.	PUNCT
ajis02-327	209	1	from	from	ADP
ajis02-327	209	2	the	the	DET
ajis02-327	209	3	insurer	insurer	NOUN
ajis02-327	209	4	and	and	CCONJ
ajis02-327	209	5	agent	agent	NOUN
ajis02-327	209	6	standpoint	standpoint	NOUN
ajis02-327	209	7	,	,	PUNCT
ajis02-327	209	8	it	it	PRON
ajis02-327	209	9	was	be	AUX
ajis02-327	209	10	discovered	discover	VERB
ajis02-327	209	11	to	to	PART
ajis02-327	209	12	be	be	AUX
ajis02-327	209	13	advantageous	advantageous	ADJ
ajis02-327	209	14	to	to	PART
ajis02-327	209	15	have	have	VERB
ajis02-327	209	16	insurance	insurance	NOUN
ajis02-327	209	17	products	product	NOUN
ajis02-327	209	18	seen	see	VERB
ajis02-327	209	19	as	as	ADP
ajis02-327	209	20	differentiated	differentiated	ADJ
ajis02-327	209	21	products	product	NOUN
ajis02-327	209	22	.	.	PUNCT
ajis02-327	210	1	however	however	ADV
ajis02-327	210	2	,	,	PUNCT
ajis02-327	210	3	the	the	DET
ajis02-327	210	4	advent	advent	NOUN
ajis02-327	210	5	of	of	ADP
ajis02-327	210	6	the	the	DET
ajis02-327	210	7	internet	internet	NOUN
ajis02-327	210	8	as	as	ADP
ajis02-327	210	9	a	a	DET
ajis02-327	210	10	communications	communication	NOUN
ajis02-327	210	11	and	and	CCONJ
ajis02-327	210	12	information	information	NOUN
ajis02-327	210	13	rich	rich	ADJ
ajis02-327	210	14	medium	medium	ADJ
ajis02-327	210	15	changes	change	NOUN
ajis02-327	210	16	how	how	SCONJ
ajis02-327	210	17	insurance	insurance	NOUN
ajis02-327	210	18	is	be	AUX
ajis02-327	210	19	perceived	perceive	VERB
ajis02-327	210	20	in	in	ADP
ajis02-327	210	21	an	an	DET
ajis02-327	210	22	electronic	electronic	ADJ
ajis02-327	210	23	marketplace	marketplace	NOUN
ajis02-327	210	24	environment	environment	NOUN
ajis02-327	210	25	.	.	PUNCT
ajis02-327	211	1	personal	personal	ADJ
ajis02-327	211	2	lines	line	NOUN
ajis02-327	211	3	insurance	insurance	NOUN
ajis02-327	211	4	was	be	AUX
ajis02-327	211	5	seen	see	VERB
ajis02-327	211	6	as	as	ADP
ajis02-327	211	7	being	be	AUX
ajis02-327	211	8	closer	close	ADJ
ajis02-327	211	9	to	to	ADP
ajis02-327	211	10	a	a	DET
ajis02-327	211	11	commodity	commodity	NOUN
ajis02-327	211	12	product	product	NOUN
ajis02-327	211	13	,	,	PUNCT
ajis02-327	211	14	with	with	ADP
ajis02-327	211	15	commercial	commercial	ADJ
ajis02-327	211	16	lines	line	NOUN
ajis02-327	211	17	insurance	insurance	NOUN
ajis02-327	211	18	being	be	AUX
ajis02-327	211	19	more	more	ADV
ajis02-327	211	20	differentiated	differentiated	ADJ
ajis02-327	211	21	.	.	PUNCT
ajis02-327	212	1	however	however	ADV
ajis02-327	212	2	,	,	PUNCT
ajis02-327	212	3	it	it	PRON
ajis02-327	212	4	was	be	AUX
ajis02-327	212	5	also	also	ADV
ajis02-327	212	6	found	find	VERB
ajis02-327	212	7	that	that	SCONJ
ajis02-327	212	8	a	a	DET
ajis02-327	212	9	spectrum	spectrum	NOUN
ajis02-327	212	10	exists	exist	VERB
ajis02-327	212	11	along	along	ADP
ajis02-327	212	12	a	a	DET
ajis02-327	212	13	continuum	continuum	NOUN
ajis02-327	212	14	between	between	ADP
ajis02-327	212	15	personal	personal	ADJ
ajis02-327	212	16	lines	line	NOUN
ajis02-327	212	17	(	(	PUNCT
ajis02-327	212	18	for	for	ADP
ajis02-327	212	19	example	example	NOUN
ajis02-327	212	20	personal	personal	ADJ
ajis02-327	212	21	auto	auto	NOUN
ajis02-327	212	22	insurance	insurance	NOUN
ajis02-327	212	23	)	)	PUNCT
ajis02-327	212	24	as	as	ADP
ajis02-327	212	25	a	a	DET
ajis02-327	212	26	commodity	commodity	NOUN
ajis02-327	212	27	product	product	NOUN
ajis02-327	212	28	and	and	CCONJ
ajis02-327	212	29	commercial	commercial	ADJ
ajis02-327	212	30	lines	line	NOUN
ajis02-327	212	31	(	(	PUNCT
ajis02-327	212	32	for	for	ADP
ajis02-327	212	33	example	example	NOUN
ajis02-327	212	34	commercial	commercial	ADJ
ajis02-327	212	35	coverage	coverage	NOUN
ajis02-327	212	36	against	against	ADP
ajis02-327	212	37	environmental	environmental	ADJ
ajis02-327	212	38	liability	liability	NOUN
ajis02-327	212	39	)	)	PUNCT
ajis02-327	212	40	as	as	ADP
ajis02-327	212	41	a	a	DET
ajis02-327	212	42	differentiated	differentiated	ADJ
ajis02-327	212	43	product	product	NOUN
ajis02-327	212	44	,	,	PUNCT
ajis02-327	212	45	with	with	ADP
ajis02-327	212	46	different	different	ADJ
ajis02-327	212	47	market	market	NOUN
ajis02-327	212	48	segments	segment	NOUN
ajis02-327	212	49	served	serve	VERB
ajis02-327	212	50	by	by	ADP
ajis02-327	212	51	different	different	ADJ
ajis02-327	212	52	product	product	NOUN
ajis02-327	212	53	and	and	CCONJ
ajis02-327	212	54	service	service	NOUN
ajis02-327	212	55	combinations	combination	NOUN
ajis02-327	212	56	.	.	PUNCT
ajis02-327	213	1	additionally	additionally	ADV
ajis02-327	213	2	,	,	PUNCT
ajis02-327	213	3	price	price	NOUN
ajis02-327	213	4	and	and	CCONJ
ajis02-327	213	5	quality	quality	NOUN
ajis02-327	213	6	interact	interact	NOUN
ajis02-327	213	7	with	with	ADP
ajis02-327	213	8	the	the	DET
ajis02-327	213	9	different	different	ADJ
ajis02-327	213	10	product	product	NOUN
ajis02-327	213	11	and	and	CCONJ
ajis02-327	213	12	service	service	NOUN
ajis02-327	213	13	combinations	combination	NOUN
ajis02-327	213	14	to	to	PART
ajis02-327	213	15	increase	increase	VERB
ajis02-327	213	16	product	product	NOUN
ajis02-327	213	17	differentiation	differentiation	NOUN
ajis02-327	213	18	.	.	PUNCT
ajis02-327	214	1	however	however	ADV
ajis02-327	214	2	,	,	PUNCT
ajis02-327	214	3	the	the	DET
ajis02-327	214	4	essence	essence	NOUN
ajis02-327	214	5	of	of	ADP
ajis02-327	214	6	insurance	insurance	NOUN
ajis02-327	214	7	content	content	NOUN
ajis02-327	214	8	in	in	ADP
ajis02-327	214	9	different	different	ADJ
ajis02-327	214	10	products	product	NOUN
ajis02-327	214	11	remains	remain	VERB
ajis02-327	214	12	similar	similar	ADJ
ajis02-327	214	13	due	due	ADP
ajis02-327	214	14	to	to	ADP
ajis02-327	214	15	the	the	DET
ajis02-327	214	16	manner	manner	NOUN
ajis02-327	214	17	in	in	ADP
ajis02-327	214	18	which	which	PRON
ajis02-327	214	19	insurance	insurance	NOUN
ajis02-327	214	20	is	be	AUX
ajis02-327	214	21	regulated	regulate	VERB
ajis02-327	214	22	,	,	PUNCT
ajis02-327	214	23	thereby	thereby	ADV
ajis02-327	214	24	restricting	restrict	VERB
ajis02-327	214	25	the	the	DET
ajis02-327	214	26	ability	ability	NOUN
ajis02-327	214	27	of	of	ADP
ajis02-327	214	28	companies	company	NOUN
ajis02-327	214	29	to	to	PART
ajis02-327	214	30	truly	truly	ADV
ajis02-327	214	31	differentiate	differentiate	VERB
ajis02-327	214	32	their	their	PRON
ajis02-327	214	33	products	product	NOUN
ajis02-327	214	34	from	from	ADP
ajis02-327	214	35	competitors	competitor	NOUN
ajis02-327	214	36	.	.	PUNCT
ajis02-327	215	1	respondents	respondent	NOUN
ajis02-327	215	2	recognised	recognise	VERB
ajis02-327	215	3	the	the	DET
ajis02-327	215	4	potential	potential	NOUN
ajis02-327	215	5	for	for	SCONJ
ajis02-327	215	6	opportunistic	opportunistic	ADJ
ajis02-327	215	7	companies	company	NOUN
ajis02-327	215	8	to	to	PART
ajis02-327	215	9	develop	develop	VERB
ajis02-327	215	10	products	product	NOUN
ajis02-327	215	11	and	and	CCONJ
ajis02-327	215	12	services	service	NOUN
ajis02-327	215	13	tailored	tailor	VERB
ajis02-327	215	14	for	for	ADP
ajis02-327	215	15	internet	internet	NOUN
ajis02-327	215	16	distribution	distribution	NOUN
ajis02-327	215	17	as	as	ADP
ajis02-327	215	18	a	a	DET
ajis02-327	215	19	possibility	possibility	NOUN
ajis02-327	215	20	.	.	PUNCT
ajis02-327	216	1	such	such	DET
ajis02-327	216	2	an	an	DET
ajis02-327	216	3	internet	internet	NOUN
ajis02-327	216	4	tailored	tailor	VERB
ajis02-327	216	5	product	product	NOUN
ajis02-327	216	6	would	would	AUX
ajis02-327	216	7	be	be	AUX
ajis02-327	216	8	developed	develop	VERB
ajis02-327	216	9	to	to	PART
ajis02-327	216	10	be	be	AUX
ajis02-327	216	11	clear	clear	ADJ
ajis02-327	216	12	,	,	PUNCT
ajis02-327	216	13	simple	simple	ADJ
ajis02-327	216	14	,	,	PUNCT
ajis02-327	216	15	and	and	CCONJ
ajis02-327	216	16	concise	concise	ADJ
ajis02-327	216	17	to	to	PART
ajis02-327	216	18	maximise	maximise	VERB
ajis02-327	216	19	consumer	consumer	NOUN
ajis02-327	216	20	understanding	understanding	NOUN
ajis02-327	216	21	.	.	PUNCT
ajis02-327	217	1	however	however	ADV
ajis02-327	217	2	,	,	PUNCT
ajis02-327	217	3	as	as	SCONJ
ajis02-327	217	4	assistance	assistance	NOUN
ajis02-327	217	5	at	at	ADP
ajis02-327	217	6	the	the	DET
ajis02-327	217	7	point	point	NOUN
ajis02-327	217	8	of	of	ADP
ajis02-327	217	9	sale	sale	NOUN
ajis02-327	217	10	is	be	AUX
ajis02-327	217	11	improved	improve	VERB
ajis02-327	217	12	through	through	ADP
ajis02-327	217	13	internet	internet	NOUN
ajis02-327	217	14	communications	communication	NOUN
ajis02-327	217	15	,	,	PUNCT
ajis02-327	217	16	the	the	DET
ajis02-327	217	17	long	long	ADJ
ajis02-327	217	18	term	term	NOUN
ajis02-327	217	19	impact	impact	NOUN
ajis02-327	217	20	of	of	ADP
ajis02-327	217	21	product	product	NOUN
ajis02-327	217	22	characteristics	characteristic	NOUN
ajis02-327	217	23	(	(	PUNCT
ajis02-327	217	24	whether	whether	SCONJ
ajis02-327	217	25	a	a	DET
ajis02-327	217	26	commodity	commodity	NOUN
ajis02-327	217	27	or	or	CCONJ
ajis02-327	217	28	differentiated	differentiated	ADJ
ajis02-327	217	29	product	product	NOUN
ajis02-327	217	30	)	)	PUNCT
ajis02-327	217	31	was	be	AUX
ajis02-327	217	32	seen	see	VERB
ajis02-327	217	33	to	to	PART
ajis02-327	217	34	be	be	AUX
ajis02-327	217	35	minimised	minimise	VERB
ajis02-327	217	36	.	.	PUNCT
ajis02-327	218	1	also	also	ADV
ajis02-327	218	2	,	,	PUNCT
ajis02-327	218	3	the	the	DET
ajis02-327	218	4	development	development	NOUN
ajis02-327	218	5	of	of	ADP
ajis02-327	218	6	on	on	ADP
ajis02-327	218	7	-	-	PUNCT
ajis02-327	218	8	line	line	NOUN
ajis02-327	218	9	comparative	comparative	ADJ
ajis02-327	218	10	quoting	quoting	NOUN
ajis02-327	218	11	mechanisms	mechanism	NOUN
ajis02-327	218	12	and	and	CCONJ
ajis02-327	218	13	improved	improve	VERB
ajis02-327	218	14	consumer	consumer	NOUN
ajis02-327	218	15	education	education	NOUN
ajis02-327	218	16	on	on	ADP
ajis02-327	218	17	insurance	insurance	NOUN
ajis02-327	218	18	products	product	NOUN
ajis02-327	218	19	was	be	AUX
ajis02-327	218	20	seen	see	VERB
ajis02-327	218	21	to	to	PART
ajis02-327	218	22	increase	increase	VERB
ajis02-327	218	23	the	the	DET
ajis02-327	218	24	difficulty	difficulty	NOUN
ajis02-327	218	25	for	for	SCONJ
ajis02-327	218	26	insurers	insurer	NOUN
ajis02-327	218	27	to	to	PART
ajis02-327	218	28	differentiate	differentiate	VERB
ajis02-327	218	29	their	their	PRON
ajis02-327	218	30	products	product	NOUN
ajis02-327	218	31	.	.	PUNCT
ajis02-327	219	1	finally	finally	ADV
ajis02-327	219	2	,	,	PUNCT
ajis02-327	219	3	the	the	DET
ajis02-327	219	4	amount	amount	NOUN
ajis02-327	219	5	of	of	ADP
ajis02-327	219	6	consultation	consultation	NOUN
ajis02-327	219	7	and	and	CCONJ
ajis02-327	219	8	expertise	expertise	NOUN
ajis02-327	219	9	a	a	DET
ajis02-327	219	10	consumer	consumer	NOUN
ajis02-327	219	11	requires	require	VERB
ajis02-327	219	12	to	to	PART
ajis02-327	219	13	purchase	purchase	VERB
ajis02-327	219	14	insurance	insurance	NOUN
ajis02-327	219	15	also	also	ADV
ajis02-327	219	16	affects	affect	VERB
ajis02-327	219	17	how	how	SCONJ
ajis02-327	219	18	different	different	ADJ
ajis02-327	219	19	product	product	NOUN
ajis02-327	219	20	and	and	CCONJ
ajis02-327	219	21	service	service	NOUN
ajis02-327	219	22	offerings	offering	NOUN
ajis02-327	219	23	would	would	AUX
ajis02-327	219	24	be	be	AUX
ajis02-327	219	25	differentiated	differentiate	VERB
ajis02-327	219	26	from	from	ADP
ajis02-327	219	27	competitors	competitor	NOUN
ajis02-327	219	28	.	.	PUNCT
ajis02-327	220	1	in	in	ADP
ajis02-327	220	2	addition	addition	NOUN
ajis02-327	220	3	to	to	ADP
ajis02-327	220	4	the	the	PRON
ajis02-327	220	5	whether	whether	SCONJ
ajis02-327	220	6	a	a	DET
ajis02-327	220	7	product	product	NOUN
ajis02-327	220	8	is	be	AUX
ajis02-327	220	9	a	a	DET
ajis02-327	220	10	commodity	commodity	NOUN
ajis02-327	220	11	or	or	CCONJ
ajis02-327	220	12	differentiated	differentiate	VERB
ajis02-327	220	13	,	,	PUNCT
ajis02-327	220	14	other	other	ADJ
ajis02-327	220	15	product	product	NOUN
ajis02-327	220	16	characteristics	characteristic	NOUN
ajis02-327	220	17	influence	influence	NOUN
ajis02-327	220	18	how	how	SCONJ
ajis02-327	220	19	the	the	DET
ajis02-327	220	20	product	product	NOUN
ajis02-327	220	21	is	be	AUX
ajis02-327	220	22	distributed	distribute	VERB
ajis02-327	220	23	in	in	ADP
ajis02-327	220	24	an	an	DET
ajis02-327	220	25	electronic	electronic	ADJ
ajis02-327	220	26	marketplace	marketplace	NOUN
ajis02-327	220	27	(	(	PUNCT
ajis02-327	220	28	malone	malone	PROPN
ajis02-327	220	29	,	,	PUNCT
ajis02-327	220	30	yates	yates	PROPN
ajis02-327	220	31	and	and	CCONJ
ajis02-327	220	32	benjamin	benjamin	PROPN
ajis02-327	220	33	1987	1987	NUM
ajis02-327	220	34	)	)	PUNCT
ajis02-327	220	35	.	.	PUNCT
ajis02-327	221	1	the	the	DET
ajis02-327	221	2	emerging	emerge	VERB
ajis02-327	221	3	fluidity	fluidity	NOUN
ajis02-327	221	4	between	between	ADP
ajis02-327	221	5	traditionally	traditionally	ADV
ajis02-327	221	6	separate	separate	ADJ
ajis02-327	221	7	financial	financial	ADJ
ajis02-327	221	8	service	service	NOUN
ajis02-327	221	9	organisations	organisation	NOUN
ajis02-327	221	10	and	and	CCONJ
ajis02-327	221	11	their	their	PRON
ajis02-327	221	12	products	product	NOUN
ajis02-327	221	13	have	have	AUX
ajis02-327	221	14	led	lead	VERB
ajis02-327	221	15	to	to	ADP
ajis02-327	221	16	an	an	DET
ajis02-327	221	17	increase	increase	NOUN
ajis02-327	221	18	in	in	ADP
ajis02-327	221	19	product	product	NOUN
ajis02-327	221	20	bundling	bundle	VERB
ajis02-327	221	21	.	.	PUNCT
ajis02-327	222	1	with	with	ADP
ajis02-327	222	2	banking	banking	NOUN
ajis02-327	222	3	,	,	PUNCT
ajis02-327	222	4	personal	personal	ADJ
ajis02-327	222	5	finance	finance	NOUN
ajis02-327	222	6	,	,	PUNCT
ajis02-327	222	7	and	and	CCONJ
ajis02-327	222	8	insurance	insurance	NOUN
ajis02-327	222	9	products	product	NOUN
ajis02-327	222	10	becoming	becoming	AUX
ajis02-327	222	11	increasingly	increasingly	ADV
ajis02-327	222	12	packaged	package	VERB
ajis02-327	222	13	together	together	ADV
ajis02-327	222	14	,	,	PUNCT
ajis02-327	222	15	combined	combine	VERB
ajis02-327	222	16	with	with	ADP
ajis02-327	222	17	increased	increase	VERB
ajis02-327	222	18	internet	internet	NOUN
ajis02-327	222	19	usage	usage	NOUN
ajis02-327	222	20	by	by	ADP
ajis02-327	222	21	consumers	consumer	NOUN
ajis02-327	222	22	,	,	PUNCT
ajis02-327	222	23	consumer	consumer	NOUN
ajis02-327	222	24	market	market	NOUN
ajis02-327	222	25	preferences	preference	NOUN
ajis02-327	222	26	were	be	AUX
ajis02-327	222	27	found	find	VERB
ajis02-327	222	28	to	to	PART
ajis02-327	222	29	be	be	AUX
ajis02-327	222	30	changing	change	VERB
ajis02-327	222	31	.	.	PUNCT
ajis02-327	223	1	the	the	DET
ajis02-327	223	2	ability	ability	NOUN
ajis02-327	223	3	to	to	PART
ajis02-327	223	4	connect	connect	VERB
ajis02-327	223	5	and	and	CCONJ
ajis02-327	223	6	bundle	bundle	VERB
ajis02-327	223	7	related	relate	VERB
ajis02-327	223	8	products	product	NOUN
ajis02-327	223	9	on	on	ADP
ajis02-327	223	10	the	the	DET
ajis02-327	223	11	internet	internet	NOUN
ajis02-327	223	12	through	through	ADP
ajis02-327	223	13	hyperlinks	hyperlink	NOUN
ajis02-327	223	14	and	and	CCONJ
ajis02-327	223	15	web	web	NOUN
ajis02-327	223	16	site	site	NOUN
ajis02-327	223	17	integration	integration	NOUN
ajis02-327	223	18	creates	create	VERB
ajis02-327	223	19	an	an	DET
ajis02-327	223	20	environment	environment	NOUN
ajis02-327	223	21	in	in	ADP
ajis02-327	223	22	which	which	PRON
ajis02-327	223	23	product	product	NOUN
ajis02-327	223	24	marketing	marketing	NOUN
ajis02-327	223	25	and	and	CCONJ
ajis02-327	223	26	fulfilment	fulfilment	NOUN
ajis02-327	223	27	could	could	AUX
ajis02-327	223	28	be	be	AUX
ajis02-327	223	29	welded	weld	VERB
ajis02-327	223	30	together	together	ADV
ajis02-327	223	31	into	into	ADP
ajis02-327	223	32	one	one	NUM
ajis02-327	223	33	interactive	interactive	ADJ
ajis02-327	223	34	session	session	NOUN
ajis02-327	223	35	for	for	ADP
ajis02-327	223	36	the	the	DET
ajis02-327	223	37	consumer	consumer	NOUN
ajis02-327	223	38	.	.	PUNCT
ajis02-327	224	1	one	one	NUM
ajis02-327	224	2	primary	primary	ADJ
ajis02-327	224	3	characteristic	characteristic	NOUN
ajis02-327	224	4	of	of	ADP
ajis02-327	224	5	insurance	insurance	NOUN
ajis02-327	224	6	products	product	NOUN
ajis02-327	224	7	however	however	ADV
ajis02-327	224	8	hinders	hinder	VERB
ajis02-327	224	9	the	the	DET
ajis02-327	224	10	ability	ability	NOUN
ajis02-327	224	11	to	to	PART
ajis02-327	224	12	fully	fully	ADV
ajis02-327	224	13	integrate	integrate	VERB
ajis02-327	224	14	insurance	insurance	NOUN
ajis02-327	224	15	with	with	ADP
ajis02-327	224	16	other	other	ADJ
ajis02-327	224	17	products	product	NOUN
ajis02-327	224	18	on	on	ADP
ajis02-327	224	19	the	the	DET
ajis02-327	224	20	internet	internet	NOUN
ajis02-327	224	21	:	:	PUNCT
ajis02-327	224	22	product	product	NOUN
ajis02-327	224	23	complexity	complexity	NOUN
ajis02-327	224	24	.	.	PUNCT
ajis02-327	225	1	during	during	ADP
ajis02-327	225	2	the	the	DET
ajis02-327	225	3	study	study	NOUN
ajis02-327	225	4	it	it	PRON
ajis02-327	225	5	was	be	AUX
ajis02-327	225	6	found	find	VERB
ajis02-327	225	7	that	that	SCONJ
ajis02-327	225	8	insurance	insurance	NOUN
ajis02-327	225	9	product	product	NOUN
ajis02-327	225	10	complexity	complexity	NOUN
ajis02-327	225	11	influences	influence	VERB
ajis02-327	225	12	consumer	consumer	NOUN
ajis02-327	225	13	education	education	NOUN
ajis02-327	225	14	,	,	PUNCT
ajis02-327	225	15	customer	customer	NOUN
ajis02-327	225	16	communication	communication	NOUN
ajis02-327	225	17	,	,	PUNCT
ajis02-327	225	18	and	and	CCONJ
ajis02-327	225	19	the	the	DET
ajis02-327	225	20	migration	migration	NOUN
ajis02-327	225	21	of	of	ADP
ajis02-327	225	22	insurance	insurance	NOUN
ajis02-327	225	23	to	to	ADP
ajis02-327	225	24	an	an	DET
ajis02-327	225	25	online	online	ADJ
ajis02-327	225	26	environment	environment	NOUN
ajis02-327	225	27	.	.	PUNCT
ajis02-327	226	1	consumer	consumer	NOUN
ajis02-327	226	2	education	education	NOUN
ajis02-327	226	3	is	be	AUX
ajis02-327	226	4	required	require	VERB
ajis02-327	226	5	in	in	ADP
ajis02-327	226	6	order	order	NOUN
ajis02-327	226	7	for	for	SCONJ
ajis02-327	226	8	a	a	DET
ajis02-327	226	9	potential	potential	ADJ
ajis02-327	226	10	customer	customer	NOUN
ajis02-327	226	11	to	to	PART
ajis02-327	226	12	understand	understand	VERB
ajis02-327	226	13	their	their	PRON
ajis02-327	226	14	actual	actual	ADJ
ajis02-327	226	15	coverage	coverage	NOUN
ajis02-327	226	16	needs	need	NOUN
ajis02-327	226	17	,	,	PUNCT
ajis02-327	226	18	and	and	CCONJ
ajis02-327	226	19	to	to	PART
ajis02-327	226	20	assist	assist	VERB
ajis02-327	226	21	an	an	DET
ajis02-327	226	22	insurer	insurer	NOUN
ajis02-327	226	23	in	in	ADP
ajis02-327	226	24	adequately	adequately	ADV
ajis02-327	226	25	matching	match	VERB
ajis02-327	226	26	a	a	DET
ajis02-327	226	27	product	product	NOUN
ajis02-327	226	28	with	with	ADP
ajis02-327	226	29	the	the	DET
ajis02-327	226	30	customer	customer	NOUN
ajis02-327	226	31	's	's	PART
ajis02-327	226	32	coverage	coverage	NOUN
ajis02-327	226	33	needs	need	NOUN
ajis02-327	226	34	.	.	PUNCT
ajis02-327	227	1	with	with	ADP
ajis02-327	227	2	different	different	ADJ
ajis02-327	227	3	market	market	NOUN
ajis02-327	227	4	segments	segment	NOUN
ajis02-327	227	5	having	have	VERB
ajis02-327	227	6	different	different	ADJ
ajis02-327	227	7	product	product	NOUN
ajis02-327	227	8	needs	need	NOUN
ajis02-327	227	9	,	,	PUNCT
ajis02-327	227	10	the	the	DET
ajis02-327	227	11	ability	ability	NOUN
ajis02-327	227	12	for	for	SCONJ
ajis02-327	227	13	consumers	consumer	NOUN
ajis02-327	227	14	to	to	PART
ajis02-327	227	15	use	use	VERB
ajis02-327	227	16	the	the	DET
ajis02-327	227	17	internet	internet	NOUN
ajis02-327	227	18	to	to	PART
ajis02-327	227	19	purchase	purchase	VERB
ajis02-327	227	20	insurance	insurance	NOUN
ajis02-327	227	21	requires	require	VERB
ajis02-327	227	22	a	a	DET
ajis02-327	227	23	customer	customer	NOUN
ajis02-327	227	24	to	to	PART
ajis02-327	227	25	adequately	adequately	ADV
ajis02-327	227	26	understand	understand	VERB
ajis02-327	227	27	various	various	ADJ
ajis02-327	227	28	product	product	NOUN
ajis02-327	227	29	offerings	offering	NOUN
ajis02-327	227	30	and	and	CCONJ
ajis02-327	227	31	select	select	VERB
ajis02-327	227	32	the	the	DET
ajis02-327	227	33	appropriate	appropriate	ADJ
ajis02-327	227	34	product	product	NOUN
ajis02-327	227	35	.	.	PUNCT
ajis02-327	228	1	to	to	PART
ajis02-327	228	2	improve	improve	VERB
ajis02-327	228	3	the	the	DET
ajis02-327	228	4	product	product	NOUN
ajis02-327	228	5	selection	selection	NOUN
ajis02-327	228	6	and	and	CCONJ
ajis02-327	228	7	attainment	attainment	NOUN
ajis02-327	228	8	processes	process	NOUN
ajis02-327	228	9	on	on	ADP
ajis02-327	228	10	the	the	DET
ajis02-327	228	11	internet	internet	NOUN
ajis02-327	228	12	,	,	PUNCT
ajis02-327	228	13	customer	customer	NOUN
ajis02-327	228	14	communication	communication	NOUN
ajis02-327	228	15	was	be	AUX
ajis02-327	228	16	seen	see	VERB
ajis02-327	228	17	as	as	ADP
ajis02-327	228	18	vital	vital	ADJ
ajis02-327	228	19	.	.	PUNCT
ajis02-327	229	1	providing	provide	VERB
ajis02-327	229	2	a	a	DET
ajis02-327	229	3	means	mean	NOUN
ajis02-327	229	4	for	for	ADP
ajis02-327	229	5	effective	effective	ADJ
ajis02-327	229	6	communication	communication	NOUN
ajis02-327	229	7	with	with	ADP
ajis02-327	229	8	customers	customer	NOUN
ajis02-327	229	9	on	on	ADP
ajis02-327	229	10	the	the	DET
ajis02-327	229	11	internet	internet	NOUN
ajis02-327	229	12	is	be	AUX
ajis02-327	229	13	essential	essential	ADJ
ajis02-327	229	14	for	for	ADP
ajis02-327	229	15	carriers	carrier	NOUN
ajis02-327	229	16	and	and	CCONJ
ajis02-327	229	17	agents	agent	NOUN
ajis02-327	229	18	to	to	PART
ajis02-327	229	19	assist	assist	VERB
ajis02-327	229	20	customers	customer	NOUN
ajis02-327	229	21	in	in	ADP
ajis02-327	229	22	understanding	understanding	NOUN
ajis02-327	229	23	and	and	CCONJ
ajis02-327	229	24	reviewing	review	VERB
ajis02-327	229	25	their	their	PRON
ajis02-327	229	26	product	product	NOUN
ajis02-327	229	27	offerings	offering	NOUN
ajis02-327	229	28	.	.	PUNCT
ajis02-327	230	1	the	the	DET
ajis02-327	230	2	interviews	interview	NOUN
ajis02-327	230	3	also	also	ADV
ajis02-327	230	4	revealed	reveal	VERB
ajis02-327	230	5	that	that	SCONJ
ajis02-327	230	6	the	the	DET
ajis02-327	230	7	nature	nature	NOUN
ajis02-327	230	8	of	of	ADP
ajis02-327	230	9	the	the	DET
ajis02-327	230	10	on	on	ADP
ajis02-327	230	11	-	-	PUNCT
ajis02-327	230	12	line	line	NOUN
ajis02-327	230	13	environment	environment	NOUN
ajis02-327	230	14	supporting	support	VERB
ajis02-327	230	15	complex	complex	ADJ
ajis02-327	230	16	transactions	transaction	NOUN
ajis02-327	230	17	affects	affect	VERB
ajis02-327	230	18	the	the	DET
ajis02-327	230	19	suitability	suitability	NOUN
ajis02-327	230	20	of	of	ADP
ajis02-327	230	21	different	different	ADJ
ajis02-327	230	22	insurance	insurance	NOUN
ajis02-327	230	23	products	product	NOUN
ajis02-327	230	24	supplied	supply	VERB
ajis02-327	230	25	through	through	ADP
ajis02-327	230	26	an	an	DET
ajis02-327	230	27	electronic	electronic	ADJ
ajis02-327	230	28	distribution	distribution	NOUN
ajis02-327	230	29	channel	channel	NOUN
ajis02-327	230	30	such	such	ADJ
ajis02-327	230	31	as	as	ADP
ajis02-327	230	32	the	the	DET
ajis02-327	230	33	internet	internet	NOUN
ajis02-327	230	34	.	.	PUNCT
ajis02-327	231	1	to	to	ADP
ajis02-327	231	2	many	many	ADJ
ajis02-327	231	3	consumers	consumer	NOUN
ajis02-327	231	4	,	,	PUNCT
ajis02-327	231	5	the	the	DET
ajis02-327	231	6	combination	combination	NOUN
ajis02-327	231	7	of	of	ADP
ajis02-327	231	8	insurance	insurance	NOUN
ajis02-327	231	9	and	and	CCONJ
ajis02-327	231	10	internet	internet	NOUN
ajis02-327	231	11	complexity	complexity	NOUN
ajis02-327	231	12	is	be	AUX
ajis02-327	231	13	potentially	potentially	ADV
ajis02-327	231	14	overwhelming	overwhelming	ADJ
ajis02-327	231	15	.	.	PUNCT
ajis02-327	232	1	thus	thus	ADV
ajis02-327	232	2	,	,	PUNCT
ajis02-327	232	3	in	in	ADP
ajis02-327	232	4	addition	addition	NOUN
ajis02-327	232	5	to	to	ADP
ajis02-327	232	6	simplifying	simplify	VERB
ajis02-327	232	7	the	the	DET
ajis02-327	232	8	insurance	insurance	NOUN
ajis02-327	232	9	products	product	NOUN
ajis02-327	232	10	offered	offer	VERB
ajis02-327	232	11	,	,	PUNCT
ajis02-327	232	12	the	the	DET
ajis02-327	232	13	internet	internet	NOUN
ajis02-327	232	14	"	"	PUNCT
ajis02-327	232	15	experience	experience	NOUN
ajis02-327	232	16	"	"	PUNCT
ajis02-327	232	17	provided	provide	VERB
ajis02-327	232	18	by	by	ADP
ajis02-327	232	19	insurance	insurance	NOUN
ajis02-327	232	20	sites	site	NOUN
ajis02-327	232	21	needs	need	VERB
ajis02-327	232	22	to	to	PART
ajis02-327	232	23	be	be	AUX
ajis02-327	232	24	structured	structure	VERB
ajis02-327	232	25	to	to	AUX
ajis02-327	232	26	maximise	maximise	VERB
ajis02-327	232	27	effectiveness	effectiveness	NOUN
ajis02-327	232	28	.	.	PUNCT
ajis02-327	233	1	to	to	PART
ajis02-327	233	2	prevent	prevent	VERB
ajis02-327	233	3	or	or	CCONJ
ajis02-327	233	4	at	at	ADP
ajis02-327	233	5	least	least	ADJ
ajis02-327	233	6	minimise	minimise	VERB
ajis02-327	233	7	consumer	consumer	NOUN
ajis02-327	233	8	confusion	confusion	NOUN
ajis02-327	233	9	,	,	PUNCT
ajis02-327	233	10	the	the	DET
ajis02-327	233	11	assistance	assistance	NOUN
ajis02-327	233	12	of	of	ADP
ajis02-327	233	13	insurance	insurance	NOUN
ajis02-327	233	14	agents	agent	NOUN
ajis02-327	233	15	and	and	CCONJ
ajis02-327	233	16	consumer	consumer	NOUN
ajis02-327	233	17	software	software	NOUN
ajis02-327	233	18	to	to	PART
ajis02-327	233	19	support	support	VERB
ajis02-327	233	20	on	on	ADP
ajis02-327	233	21	-	-	PUNCT
ajis02-327	233	22	line	line	NOUN
ajis02-327	233	23	insurance	insurance	NOUN
ajis02-327	233	24	transaction	transaction	NOUN
ajis02-327	233	25	applications	application	NOUN
ajis02-327	233	26	was	be	AUX
ajis02-327	233	27	seen	see	VERB
ajis02-327	233	28	as	as	ADP
ajis02-327	233	29	a	a	DET
ajis02-327	233	30	requirement	requirement	NOUN
ajis02-327	233	31	.	.	PUNCT
ajis02-327	234	1	with	with	ADP
ajis02-327	234	2	the	the	DET
ajis02-327	234	3	assistance	assistance	NOUN
ajis02-327	234	4	of	of	ADP
ajis02-327	234	5	an	an	DET
ajis02-327	234	6	agent	agent	NOUN
ajis02-327	234	7	and/or	and/or	CCONJ
ajis02-327	234	8	available	available	ADJ
ajis02-327	234	9	software	software	NOUN
ajis02-327	234	10	applications	application	NOUN
ajis02-327	234	11	,	,	PUNCT
ajis02-327	234	12	consumers	consumer	NOUN
ajis02-327	234	13	could	could	AUX
ajis02-327	234	14	be	be	AUX
ajis02-327	234	15	guided	guide	VERB
ajis02-327	234	16	through	through	ADP
ajis02-327	234	17	the	the	DET
ajis02-327	234	18	process	process	NOUN
ajis02-327	234	19	of	of	ADP
ajis02-327	234	20	researching	researching	NOUN
ajis02-327	234	21	,	,	PUNCT
ajis02-327	234	22	buying	buying	NOUN
ajis02-327	234	23	,	,	PUNCT
ajis02-327	234	24	or	or	CCONJ
ajis02-327	234	25	adjusting	adjust	VERB
ajis02-327	234	26	their	their	PRON
ajis02-327	234	27	insurance	insurance	NOUN
ajis02-327	234	28	coverage	coverage	NOUN
ajis02-327	234	29	.	.	PUNCT
ajis02-327	235	1	an	an	DET
ajis02-327	235	2	example	example	NOUN
ajis02-327	235	3	of	of	ADP
ajis02-327	235	4	a	a	DET
ajis02-327	235	5	consumer	consumer	NOUN
ajis02-327	235	6	assistance	assistance	NOUN
ajis02-327	235	7	software	software	NOUN
ajis02-327	235	8	application	application	NOUN
ajis02-327	235	9	could	could	AUX
ajis02-327	235	10	be	be	AUX
ajis02-327	235	11	a	a	DET
ajis02-327	235	12	down	down	ADJ
ajis02-327	235	13	-	-	PUNCT
ajis02-327	235	14	loadable	loadable	ADJ
ajis02-327	235	15	program	program	NOUN
ajis02-327	235	16	to	to	PART
ajis02-327	235	17	facilitate	facilitate	VERB
ajis02-327	235	18	independent	independent	ADJ
ajis02-327	235	19	analysis	analysis	NOUN
ajis02-327	235	20	,	,	PUNCT
ajis02-327	235	21	financial	financial	ADJ
ajis02-327	235	22	modelling	modelling	NOUN
ajis02-327	235	23	,	,	PUNCT
ajis02-327	235	24	and/or	and/or	CCONJ
ajis02-327	235	25	comparative	comparative	ADJ
ajis02-327	235	26	rating	rating	NOUN
ajis02-327	235	27	.	.	PUNCT
ajis02-327	236	1	such	such	ADJ
ajis02-327	236	2	applications	application	NOUN
ajis02-327	236	3	,	,	PUNCT
ajis02-327	236	4	combined	combine	VERB
ajis02-327	236	5	with	with	ADP
ajis02-327	236	6	hyperlinked	hyperlinke	VERB
ajis02-327	236	7	,	,	PUNCT
ajis02-327	236	8	multimedia	multimedia	NOUN
ajis02-327	236	9	environments	environment	NOUN
ajis02-327	236	10	,	,	PUNCT
ajis02-327	236	11	were	be	AUX
ajis02-327	236	12	found	find	VERB
ajis02-327	236	13	to	to	PART
ajis02-327	236	14	support	support	VERB
ajis02-327	236	15	companies	company	NOUN
ajis02-327	236	16	and	and	CCONJ
ajis02-327	236	17	their	their	PRON
ajis02-327	236	18	agents	agent	NOUN
ajis02-327	236	19	'	'	PART
ajis02-327	236	20	abilities	ability	NOUN
ajis02-327	236	21	to	to	PART
ajis02-327	236	22	facilitate	facilitate	VERB
ajis02-327	236	23	electronic	electronic	ADJ
ajis02-327	236	24	insurance	insurance	NOUN
ajis02-327	236	25	commerce	commerce	NOUN
ajis02-327	236	26	.	.	PUNCT
ajis02-327	237	1	the	the	DET
ajis02-327	237	2	successful	successful	ADJ
ajis02-327	237	3	migration	migration	NOUN
ajis02-327	237	4	of	of	ADP
ajis02-327	237	5	insurance	insurance	NOUN
ajis02-327	237	6	onto	onto	ADP
ajis02-327	237	7	the	the	DET
ajis02-327	237	8	internet	internet	NOUN
ajis02-327	237	9	was	be	AUX
ajis02-327	237	10	found	find	VERB
ajis02-327	237	11	to	to	PART
ajis02-327	237	12	have	have	AUX
ajis02-327	237	13	occurred	occur	VERB
ajis02-327	237	14	when	when	SCONJ
ajis02-327	237	15	"	"	PUNCT
ajis02-327	237	16	...	...	PUNCT
ajis02-327	237	17	simple	simple	ADJ
ajis02-327	237	18	and	and	CCONJ
ajis02-327	237	19	complex	complex	ADJ
ajis02-327	237	20	insurance	insurance	NOUN
ajis02-327	237	21	transactions	transaction	NOUN
ajis02-327	237	22	were	be	AUX
ajis02-327	237	23	efficiently	efficiently	ADV
ajis02-327	237	24	completed	complete	VERB
ajis02-327	237	25	and	and	CCONJ
ajis02-327	237	26	professional	professional	ADJ
ajis02-327	237	27	agent	agent	NOUN
ajis02-327	237	28	consulting	consulting	NOUN
ajis02-327	237	29	moved	move	VERB
ajis02-327	237	30	away	away	ADV
ajis02-327	237	31	from	from	ADP
ajis02-327	237	32	transaction	transaction	NOUN
ajis02-327	237	33	processing	processing	NOUN
ajis02-327	237	34	towards	towards	ADP
ajis02-327	237	35	more	more	ADJ
ajis02-327	237	36	value	value	NOUN
ajis02-327	237	37	-	-	PUNCT
ajis02-327	237	38	adding	add	VERB
ajis02-327	237	39	situations	situation	NOUN
ajis02-327	237	40	of	of	ADP
ajis02-327	237	41	meaningful	meaningful	ADJ
ajis02-327	237	42	customer	customer	NOUN
ajis02-327	237	43	contact	contact	NOUN
ajis02-327	237	44	and	and	CCONJ
ajis02-327	237	45	support	support	NOUN
ajis02-327	237	46	"	"	PUNCT
ajis02-327	237	47	the	the	DET
ajis02-327	237	48	point	point	NOUN
ajis02-327	237	49	of	of	ADP
ajis02-327	237	50	customer	customer	NOUN
ajis02-327	237	51	contact	contact	NOUN
ajis02-327	237	52	was	be	AUX
ajis02-327	237	53	seen	see	VERB
ajis02-327	237	54	as	as	ADP
ajis02-327	237	55	the	the	DET
ajis02-327	237	56	most	most	ADV
ajis02-327	237	57	crucial	crucial	ADJ
ajis02-327	237	58	point	point	NOUN
ajis02-327	237	59	for	for	ADP
ajis02-327	237	60	effective	effective	ADJ
ajis02-327	237	61	,	,	PUNCT
ajis02-327	237	62	efficient	efficient	ADJ
ajis02-327	237	63	and	and	CCONJ
ajis02-327	237	64	quality	quality	NOUN
ajis02-327	237	65	service	service	NOUN
ajis02-327	237	66	.	.	PUNCT
ajis02-327	238	1	the	the	DET
ajis02-327	238	2	ability	ability	NOUN
ajis02-327	238	3	to	to	PART
ajis02-327	238	4	use	use	VERB
ajis02-327	238	5	the	the	DET
ajis02-327	238	6	internet	internet	NOUN
ajis02-327	238	7	as	as	ADP
ajis02-327	238	8	a	a	DET
ajis02-327	238	9	tool	tool	NOUN
ajis02-327	238	10	to	to	PART
ajis02-327	238	11	add	add	VERB
ajis02-327	238	12	as	as	ADV
ajis02-327	238	13	much	much	ADJ
ajis02-327	238	14	value	value	NOUN
ajis02-327	238	15	as	as	ADP
ajis02-327	238	16	possible	possible	ADJ
ajis02-327	238	17	to	to	ADP
ajis02-327	238	18	the	the	DET
ajis02-327	238	19	point	point	NOUN
ajis02-327	238	20	of	of	ADP
ajis02-327	238	21	customer	customer	NOUN
ajis02-327	238	22	contact	contact	NOUN
ajis02-327	238	23	represented	represent	VERB
ajis02-327	238	24	a	a	DET
ajis02-327	238	25	valuable	valuable	ADJ
ajis02-327	238	26	opportunity	opportunity	NOUN
ajis02-327	238	27	.	.	PUNCT
ajis02-327	239	1	33	33	NUM
ajis02-327	239	2	ajis	ajis	PROPN
ajis02-327	239	3	special	special	PROPN
ajis02-327	239	4	edition	edition	PROPN
ajis02-327	239	5	electronic	electronic	PROPN
ajis02-327	239	6	commerce	commerce	PROPN
ajis02-327	239	7	november	november	PROPN
ajis02-327	239	8	1998	1998	NUM
ajis02-327	239	9	non	non	ADJ
ajis02-327	239	10	-	-	ADJ
ajis02-327	239	11	contractible	contractible	ADJ
ajis02-327	239	12	investments	investment	NOUN
ajis02-327	239	13	the	the	DET
ajis02-327	239	14	concept	concept	NOUN
ajis02-327	239	15	that	that	SCONJ
ajis02-327	239	16	organisations	organisation	NOUN
ajis02-327	239	17	and	and	CCONJ
ajis02-327	239	18	individuals	individual	NOUN
ajis02-327	239	19	may	may	AUX
ajis02-327	239	20	limit	limit	VERB
ajis02-327	239	21	the	the	DET
ajis02-327	239	22	total	total	ADJ
ajis02-327	239	23	number	number	NOUN
ajis02-327	239	24	of	of	ADP
ajis02-327	239	25	suppliers	supplier	NOUN
ajis02-327	239	26	considered	consider	VERB
ajis02-327	239	27	in	in	ADP
ajis02-327	239	28	order	order	NOUN
ajis02-327	239	29	to	to	PART
ajis02-327	239	30	maximise	maximise	VERB
ajis02-327	239	31	non	non	ADJ
ajis02-327	239	32	-	-	ADJ
ajis02-327	239	33	contractible	contractible	ADJ
ajis02-327	239	34	investments	investment	NOUN
ajis02-327	239	35	,	,	PUNCT
ajis02-327	239	36	such	such	ADJ
ajis02-327	239	37	as	as	ADP
ajis02-327	239	38	quality	quality	NOUN
ajis02-327	239	39	,	,	PUNCT
ajis02-327	239	40	responsiveness	responsiveness	NOUN
ajis02-327	239	41	,	,	PUNCT
ajis02-327	239	42	trust	trust	NOUN
ajis02-327	239	43	,	,	PUNCT
ajis02-327	239	44	information	information	NOUN
ajis02-327	239	45	sharing	sharing	NOUN
ajis02-327	239	46	and	and	CCONJ
ajis02-327	239	47	innovation	innovation	NOUN
ajis02-327	239	48	(	(	PUNCT
ajis02-327	239	49	bakos	bakos	NOUN
ajis02-327	239	50	and	and	CCONJ
ajis02-327	239	51	brynjolfsson	brynjolfsson	NOUN
ajis02-327	239	52	1993	1993	NUM
ajis02-327	239	53	)	)	PUNCT
ajis02-327	239	54	,	,	PUNCT
ajis02-327	239	55	was	be	AUX
ajis02-327	239	56	found	find	VERB
ajis02-327	239	57	to	to	PART
ajis02-327	239	58	be	be	AUX
ajis02-327	239	59	relevant	relevant	ADJ
ajis02-327	239	60	for	for	ADP
ajis02-327	239	61	internet	internet	NOUN
ajis02-327	239	62	insurance	insurance	NOUN
ajis02-327	239	63	transactions	transaction	NOUN
ajis02-327	239	64	.	.	PUNCT
ajis02-327	240	1	fundamentally	fundamentally	ADV
ajis02-327	240	2	,	,	PUNCT
ajis02-327	240	3	it	it	PRON
ajis02-327	240	4	became	become	VERB
ajis02-327	240	5	evident	evident	ADJ
ajis02-327	240	6	that	that	SCONJ
ajis02-327	240	7	the	the	DET
ajis02-327	240	8	value	value	NOUN
ajis02-327	240	9	of	of	ADP
ajis02-327	240	10	non	non	ADJ
ajis02-327	240	11	-	-	ADJ
ajis02-327	240	12	contractible	contractible	ADJ
ajis02-327	240	13	investments	investment	NOUN
ajis02-327	240	14	increases	increase	VERB
ajis02-327	240	15	as	as	ADP
ajis02-327	240	16	other	other	ADJ
ajis02-327	240	17	differentiating	differentiate	VERB
ajis02-327	240	18	characteristics	characteristic	NOUN
ajis02-327	240	19	are	be	AUX
ajis02-327	240	20	eliminated	eliminate	VERB
ajis02-327	240	21	.	.	PUNCT
ajis02-327	241	1	efforts	effort	NOUN
ajis02-327	241	2	by	by	ADP
ajis02-327	241	3	carriers	carrier	NOUN
ajis02-327	241	4	to	to	PART
ajis02-327	241	5	add	add	VERB
ajis02-327	241	6	more	more	ADJ
ajis02-327	241	7	value	value	NOUN
ajis02-327	241	8	for	for	ADP
ajis02-327	241	9	agents	agent	NOUN
ajis02-327	241	10	and	and	CCONJ
ajis02-327	241	11	consumers	consumer	NOUN
ajis02-327	241	12	engaging	engage	VERB
ajis02-327	241	13	in	in	ADP
ajis02-327	241	14	electronic	electronic	ADJ
ajis02-327	241	15	commerce	commerce	NOUN
ajis02-327	241	16	were	be	AUX
ajis02-327	241	17	seen	see	VERB
ajis02-327	241	18	as	as	ADP
ajis02-327	241	19	valuable	valuable	ADJ
ajis02-327	241	20	,	,	PUNCT
ajis02-327	241	21	directly	directly	ADV
ajis02-327	241	22	increasing	increase	VERB
ajis02-327	241	23	the	the	DET
ajis02-327	241	24	importance	importance	NOUN
ajis02-327	241	25	of	of	ADP
ajis02-327	241	26	"	"	PUNCT
ajis02-327	241	27	soft	soft	ADJ
ajis02-327	241	28	issues	issue	NOUN
ajis02-327	241	29	.	.	PUNCT
ajis02-327	241	30	"	"	PUNCT
ajis02-327	242	1	the	the	DET
ajis02-327	242	2	emergence	emergence	NOUN
ajis02-327	242	3	of	of	ADP
ajis02-327	242	4	instantaneous	instantaneous	ADJ
ajis02-327	242	5	transactions	transaction	NOUN
ajis02-327	242	6	and	and	CCONJ
ajis02-327	242	7	communications	communication	NOUN
ajis02-327	242	8	with	with	ADP
ajis02-327	242	9	agents	agent	NOUN
ajis02-327	242	10	and	and	CCONJ
ajis02-327	242	11	consumers	consumer	NOUN
ajis02-327	242	12	increases	increase	VERB
ajis02-327	242	13	the	the	DET
ajis02-327	242	14	role	role	NOUN
ajis02-327	242	15	professionalism	professionalism	NOUN
ajis02-327	242	16	,	,	PUNCT
ajis02-327	242	17	quality	quality	NOUN
ajis02-327	242	18	and	and	CCONJ
ajis02-327	242	19	customer	customer	NOUN
ajis02-327	242	20	service	service	NOUN
ajis02-327	242	21	have	have	VERB
ajis02-327	242	22	on	on	ADP
ajis02-327	242	23	the	the	DET
ajis02-327	242	24	internet	internet	NOUN
ajis02-327	242	25	.	.	PUNCT
ajis02-327	243	1	it	it	PRON
ajis02-327	243	2	was	be	AUX
ajis02-327	243	3	seen	see	VERB
ajis02-327	243	4	that	that	SCONJ
ajis02-327	243	5	the	the	DET
ajis02-327	243	6	purchase	purchase	NOUN
ajis02-327	243	7	of	of	ADP
ajis02-327	243	8	insurance	insurance	NOUN
ajis02-327	243	9	,	,	PUNCT
ajis02-327	243	10	as	as	ADP
ajis02-327	243	11	a	a	DET
ajis02-327	243	12	complex	complex	ADJ
ajis02-327	243	13	transaction	transaction	NOUN
ajis02-327	243	14	,	,	PUNCT
ajis02-327	243	15	requires	require	VERB
ajis02-327	243	16	the	the	DET
ajis02-327	243	17	process	process	NOUN
ajis02-327	243	18	to	to	PART
ajis02-327	243	19	be	be	AUX
ajis02-327	243	20	supplemented	supplement	VERB
ajis02-327	243	21	with	with	ADP
ajis02-327	243	22	professionalism	professionalism	NOUN
ajis02-327	243	23	,	,	PUNCT
ajis02-327	243	24	increased	increase	VERB
ajis02-327	243	25	emphasis	emphasis	NOUN
ajis02-327	243	26	on	on	ADP
ajis02-327	243	27	credibility	credibility	NOUN
ajis02-327	243	28	and	and	CCONJ
ajis02-327	243	29	protection	protection	NOUN
ajis02-327	243	30	,	,	PUNCT
ajis02-327	243	31	ease	ease	NOUN
ajis02-327	243	32	of	of	ADP
ajis02-327	243	33	doing	do	VERB
ajis02-327	243	34	business	business	NOUN
ajis02-327	243	35	,	,	PUNCT
ajis02-327	243	36	personalised	personalised	ADJ
ajis02-327	243	37	service	service	NOUN
ajis02-327	243	38	,	,	PUNCT
ajis02-327	243	39	process	process	NOUN
ajis02-327	243	40	simplification	simplification	NOUN
ajis02-327	243	41	and	and	CCONJ
ajis02-327	243	42	streamlining	streamlining	NOUN
ajis02-327	243	43	,	,	PUNCT
ajis02-327	243	44	personal	personal	ADJ
ajis02-327	243	45	interaction	interaction	NOUN
ajis02-327	243	46	,	,	PUNCT
ajis02-327	243	47	responsiveness	responsiveness	NOUN
ajis02-327	243	48	,	,	PUNCT
ajis02-327	243	49	innovation	innovation	NOUN
ajis02-327	243	50	and	and	CCONJ
ajis02-327	243	51	other	other	ADJ
ajis02-327	243	52	value	value	NOUN
ajis02-327	243	53	adding	add	VERB
ajis02-327	243	54	mechanisms	mechanism	NOUN
ajis02-327	243	55	.	.	PUNCT
ajis02-327	244	1	the	the	DET
ajis02-327	244	2	challenge	challenge	NOUN
ajis02-327	244	3	presented	present	VERB
ajis02-327	244	4	is	be	AUX
ajis02-327	244	5	how	how	SCONJ
ajis02-327	244	6	to	to	PART
ajis02-327	244	7	provide	provide	VERB
ajis02-327	244	8	and	and	CCONJ
ajis02-327	244	9	highlight	highlight	VERB
ajis02-327	244	10	such	such	ADJ
ajis02-327	244	11	"	"	PUNCT
ajis02-327	244	12	soft	soft	ADJ
ajis02-327	244	13	issues	issue	NOUN
ajis02-327	244	14	"	"	PUNCT
ajis02-327	244	15	on	on	ADP
ajis02-327	244	16	an	an	DET
ajis02-327	244	17	information	information	NOUN
ajis02-327	244	18	and	and	CCONJ
ajis02-327	244	19	communication	communication	NOUN
ajis02-327	244	20	network	network	NOUN
ajis02-327	244	21	such	such	ADJ
ajis02-327	244	22	as	as	ADP
ajis02-327	244	23	the	the	DET
ajis02-327	244	24	internet	internet	NOUN
ajis02-327	244	25	.	.	PUNCT
ajis02-327	245	1	although	although	SCONJ
ajis02-327	245	2	the	the	DET
ajis02-327	245	3	fundamental	fundamental	ADJ
ajis02-327	245	4	business	business	NOUN
ajis02-327	245	5	and	and	CCONJ
ajis02-327	245	6	underwriting	underwriting	NOUN
ajis02-327	245	7	processes	process	NOUN
ajis02-327	245	8	do	do	AUX
ajis02-327	245	9	not	not	PART
ajis02-327	245	10	change	change	VERB
ajis02-327	245	11	with	with	ADP
ajis02-327	245	12	increased	increase	VERB
ajis02-327	245	13	internet	internet	NOUN
ajis02-327	245	14	usage	usage	NOUN
ajis02-327	245	15	,	,	PUNCT
ajis02-327	245	16	the	the	DET
ajis02-327	245	17	delivery	delivery	NOUN
ajis02-327	245	18	and	and	CCONJ
ajis02-327	245	19	service	service	NOUN
ajis02-327	245	20	of	of	ADP
ajis02-327	245	21	those	those	DET
ajis02-327	245	22	processes	process	NOUN
ajis02-327	245	23	are	be	AUX
ajis02-327	245	24	radically	radically	ADV
ajis02-327	245	25	altered	alter	VERB
ajis02-327	245	26	by	by	ADP
ajis02-327	245	27	the	the	DET
ajis02-327	245	28	internet	internet	NOUN
ajis02-327	245	29	.	.	PUNCT
ajis02-327	246	1	implied	imply	VERB
ajis02-327	246	2	trust	trust	NOUN
ajis02-327	246	3	and	and	CCONJ
ajis02-327	246	4	credibility	credibility	NOUN
ajis02-327	246	5	are	be	AUX
ajis02-327	246	6	provided	provide	VERB
ajis02-327	246	7	through	through	ADP
ajis02-327	246	8	a	a	DET
ajis02-327	246	9	well	well	ADV
ajis02-327	246	10	recognised	recognise	VERB
ajis02-327	246	11	and	and	CCONJ
ajis02-327	246	12	accepted	accept	VERB
ajis02-327	246	13	brand	brand	NOUN
ajis02-327	246	14	name	name	NOUN
ajis02-327	246	15	which	which	PRON
ajis02-327	246	16	assists	assist	VERB
ajis02-327	246	17	in	in	ADP
ajis02-327	246	18	legitimising	legitimise	VERB
ajis02-327	246	19	new	new	ADJ
ajis02-327	246	20	business	business	NOUN
ajis02-327	246	21	processes	process	NOUN
ajis02-327	246	22	and	and	CCONJ
ajis02-327	246	23	servicing	servicing	NOUN
ajis02-327	246	24	channels	channel	NOUN
ajis02-327	246	25	.	.	PUNCT
ajis02-327	247	1	however	however	ADV
ajis02-327	247	2	,	,	PUNCT
ajis02-327	247	3	fraud	fraud	NOUN
ajis02-327	247	4	awareness	awareness	NOUN
ajis02-327	247	5	,	,	PUNCT
ajis02-327	247	6	customer	customer	NOUN
ajis02-327	247	7	privacy	privacy	NOUN
ajis02-327	247	8	,	,	PUNCT
ajis02-327	247	9	and	and	CCONJ
ajis02-327	247	10	information	information	NOUN
ajis02-327	247	11	protection	protection	NOUN
ajis02-327	247	12	were	be	AUX
ajis02-327	247	13	seen	see	VERB
ajis02-327	247	14	to	to	PART
ajis02-327	247	15	increase	increase	VERB
ajis02-327	247	16	in	in	ADP
ajis02-327	247	17	importance	importance	NOUN
ajis02-327	247	18	.	.	PUNCT
ajis02-327	248	1	thus	thus	ADV
ajis02-327	248	2	,	,	PUNCT
ajis02-327	248	3	the	the	DET
ajis02-327	248	4	integration	integration	NOUN
ajis02-327	248	5	of	of	ADP
ajis02-327	248	6	the	the	DET
ajis02-327	248	7	internet	internet	NOUN
ajis02-327	248	8	to	to	PART
ajis02-327	248	9	support	support	VERB
ajis02-327	248	10	traditional	traditional	ADJ
ajis02-327	248	11	business	business	NOUN
ajis02-327	248	12	processes	process	NOUN
ajis02-327	248	13	in	in	ADP
ajis02-327	248	14	a	a	DET
ajis02-327	248	15	new	new	ADJ
ajis02-327	248	16	distribution	distribution	NOUN
ajis02-327	248	17	channel	channel	NOUN
ajis02-327	248	18	requires	require	VERB
ajis02-327	248	19	not	not	PART
ajis02-327	248	20	only	only	ADV
ajis02-327	248	21	adherence	adherence	NOUN
ajis02-327	248	22	to	to	ADP
ajis02-327	248	23	organisational	organisational	ADJ
ajis02-327	248	24	values	value	NOUN
ajis02-327	248	25	and	and	CCONJ
ajis02-327	248	26	objectives	objective	NOUN
ajis02-327	248	27	,	,	PUNCT
ajis02-327	248	28	but	but	CCONJ
ajis02-327	248	29	also	also	ADV
ajis02-327	248	30	a	a	DET
ajis02-327	248	31	consistency	consistency	NOUN
ajis02-327	248	32	with	with	ADP
ajis02-327	248	33	the	the	DET
ajis02-327	248	34	organisation	organisation	NOUN
ajis02-327	248	35	's	's	PART
ajis02-327	248	36	internet	internet	NOUN
ajis02-327	248	37	business	business	NOUN
ajis02-327	248	38	values	value	NOUN
ajis02-327	248	39	and	and	CCONJ
ajis02-327	248	40	strategic	strategic	ADJ
ajis02-327	248	41	objectives	objective	NOUN
ajis02-327	248	42	.	.	PUNCT
ajis02-327	249	1	such	such	DET
ajis02-327	249	2	a	a	DET
ajis02-327	249	3	duality	duality	NOUN
ajis02-327	249	4	of	of	ADP
ajis02-327	249	5	organisational	organisational	ADJ
ajis02-327	249	6	existence	existence	NOUN
ajis02-327	249	7	between	between	ADP
ajis02-327	249	8	its	its	PRON
ajis02-327	249	9	marketplace	marketplace	NOUN
ajis02-327	249	10	and	and	CCONJ
ajis02-327	249	11	its	its	PRON
ajis02-327	249	12	marketspace	marketspace	NOUN
ajis02-327	249	13	was	be	AUX
ajis02-327	249	14	seen	see	VERB
ajis02-327	249	15	as	as	ADP
ajis02-327	249	16	a	a	DET
ajis02-327	249	17	complex	complex	ADJ
ajis02-327	249	18	issue	issue	NOUN
ajis02-327	249	19	that	that	PRON
ajis02-327	249	20	will	will	AUX
ajis02-327	249	21	continue	continue	VERB
ajis02-327	249	22	to	to	PART
ajis02-327	249	23	emerge	emerge	VERB
ajis02-327	249	24	,	,	PUNCT
ajis02-327	249	25	and	and	CCONJ
ajis02-327	249	26	require	require	VERB
ajis02-327	249	27	the	the	DET
ajis02-327	249	28	creation	creation	NOUN
ajis02-327	249	29	of	of	ADP
ajis02-327	249	30	new	new	ADJ
ajis02-327	249	31	,	,	PUNCT
ajis02-327	249	32	more	more	ADV
ajis02-327	249	33	flexible	flexible	ADJ
ajis02-327	249	34	business	business	NOUN
ajis02-327	249	35	models	model	NOUN
ajis02-327	249	36	.	.	PUNCT
ajis02-327	250	1	conclusion	conclusion	NOUN
ajis02-327	250	2	as	as	SCONJ
ajis02-327	250	3	previously	previously	ADV
ajis02-327	250	4	mentioned	mention	VERB
ajis02-327	250	5	,	,	PUNCT
ajis02-327	250	6	this	this	DET
ajis02-327	250	7	section	section	NOUN
ajis02-327	250	8	of	of	ADP
ajis02-327	250	9	the	the	DET
ajis02-327	250	10	interview	interview	NOUN
ajis02-327	250	11	guide	guide	NOUN
ajis02-327	250	12	focused	focus	VERB
ajis02-327	250	13	on	on	ADP
ajis02-327	250	14	the	the	DET
ajis02-327	250	15	suitability	suitability	NOUN
ajis02-327	250	16	and	and	CCONJ
ajis02-327	250	17	nature	nature	NOUN
ajis02-327	250	18	of	of	ADP
ajis02-327	250	19	insurance	insurance	NOUN
ajis02-327	250	20	products	product	NOUN
ajis02-327	250	21	to	to	PART
ajis02-327	250	22	be	be	AUX
ajis02-327	250	23	applied	apply	VERB
ajis02-327	250	24	to	to	ADP
ajis02-327	250	25	the	the	DET
ajis02-327	250	26	context	context	NOUN
ajis02-327	250	27	of	of	ADP
ajis02-327	250	28	the	the	DET
ajis02-327	250	29	internet	internet	NOUN
ajis02-327	250	30	.	.	PUNCT
ajis02-327	251	1	different	different	ADJ
ajis02-327	251	2	lines	line	NOUN
ajis02-327	251	3	of	of	ADP
ajis02-327	251	4	products	product	NOUN
ajis02-327	251	5	were	be	AUX
ajis02-327	251	6	seen	see	VERB
ajis02-327	251	7	to	to	PART
ajis02-327	251	8	be	be	AUX
ajis02-327	251	9	more	more	ADV
ajis02-327	251	10	suitable	suitable	ADJ
ajis02-327	251	11	for	for	ADP
ajis02-327	251	12	electronic	electronic	ADJ
ajis02-327	251	13	commerce	commerce	NOUN
ajis02-327	251	14	on	on	ADP
ajis02-327	251	15	the	the	DET
ajis02-327	251	16	internet	internet	NOUN
ajis02-327	251	17	,	,	PUNCT
ajis02-327	251	18	with	with	ADP
ajis02-327	251	19	the	the	DET
ajis02-327	251	20	characteristics	characteristic	NOUN
ajis02-327	251	21	of	of	ADP
ajis02-327	251	22	those	those	DET
ajis02-327	251	23	products	product	NOUN
ajis02-327	251	24	influencing	influence	VERB
ajis02-327	251	25	how	how	SCONJ
ajis02-327	251	26	they	they	PRON
ajis02-327	251	27	are	be	AUX
ajis02-327	251	28	marketed	market	VERB
ajis02-327	251	29	,	,	PUNCT
ajis02-327	251	30	distributed	distribute	VERB
ajis02-327	251	31	and	and	CCONJ
ajis02-327	251	32	serviced	service	VERB
ajis02-327	251	33	.	.	PUNCT
ajis02-327	252	1	with	with	ADP
ajis02-327	252	2	the	the	DET
ajis02-327	252	3	inability	inability	NOUN
ajis02-327	252	4	to	to	PART
ajis02-327	252	5	readily	readily	ADV
ajis02-327	252	6	distinguish	distinguish	VERB
ajis02-327	252	7	one	one	NUM
ajis02-327	252	8	carrier	carrier	NOUN
ajis02-327	252	9	's	's	PART
ajis02-327	252	10	product	product	NOUN
ajis02-327	252	11	from	from	ADP
ajis02-327	252	12	another	another	PRON
ajis02-327	252	13	,	,	PUNCT
ajis02-327	252	14	the	the	DET
ajis02-327	252	15	importance	importance	NOUN
ajis02-327	252	16	of	of	ADP
ajis02-327	252	17	other	other	ADJ
ajis02-327	252	18	factors	factor	NOUN
ajis02-327	252	19	,	,	PUNCT
ajis02-327	252	20	such	such	ADJ
ajis02-327	252	21	as	as	ADP
ajis02-327	252	22	non	non	ADJ
ajis02-327	252	23	-	-	ADJ
ajis02-327	252	24	contractible	contractible	ADJ
ajis02-327	252	25	investments	investment	NOUN
ajis02-327	252	26	,	,	PUNCT
ajis02-327	252	27	was	be	AUX
ajis02-327	252	28	seen	see	VERB
ajis02-327	252	29	to	to	PART
ajis02-327	252	30	increase	increase	VERB
ajis02-327	252	31	.	.	PUNCT
ajis02-327	253	1	evolving	evolve	VERB
ajis02-327	253	2	market	market	NOUN
ajis02-327	253	3	structure	structure	NOUN
ajis02-327	253	4	and	and	CCONJ
ajis02-327	253	5	process	process	NOUN
ajis02-327	253	6	this	this	DET
ajis02-327	253	7	section	section	NOUN
ajis02-327	253	8	of	of	ADP
ajis02-327	253	9	the	the	DET
ajis02-327	253	10	interview	interview	NOUN
ajis02-327	253	11	guide	guide	NOUN
ajis02-327	253	12	focused	focus	VERB
ajis02-327	253	13	on	on	ADP
ajis02-327	253	14	how	how	SCONJ
ajis02-327	253	15	the	the	DET
ajis02-327	253	16	internet	internet	NOUN
ajis02-327	253	17	may	may	AUX
ajis02-327	253	18	impact	impact	VERB
ajis02-327	253	19	market	market	NOUN
ajis02-327	253	20	relationships	relationship	NOUN
ajis02-327	253	21	in	in	ADP
ajis02-327	253	22	the	the	DET
ajis02-327	253	23	independent	independent	ADJ
ajis02-327	253	24	insurance	insurance	NOUN
ajis02-327	253	25	agency	agency	NOUN
ajis02-327	253	26	system	system	NOUN
ajis02-327	253	27	.	.	PUNCT
ajis02-327	254	1	issues	issue	NOUN
ajis02-327	254	2	such	such	ADJ
ajis02-327	254	3	as	as	ADP
ajis02-327	254	4	how	how	SCONJ
ajis02-327	254	5	members	member	NOUN
ajis02-327	254	6	in	in	ADP
ajis02-327	254	7	the	the	DET
ajis02-327	254	8	industry	industry	NOUN
ajis02-327	254	9	triad	triad	NOUN
ajis02-327	254	10	will	will	AUX
ajis02-327	254	11	communicate	communicate	VERB
ajis02-327	254	12	over	over	ADP
ajis02-327	254	13	the	the	DET
ajis02-327	254	14	internet	internet	NOUN
ajis02-327	254	15	,	,	PUNCT
ajis02-327	254	16	possible	possible	ADJ
ajis02-327	254	17	transaction	transaction	NOUN
ajis02-327	254	18	paths	path	NOUN
ajis02-327	254	19	of	of	ADP
ajis02-327	254	20	commerce	commerce	NOUN
ajis02-327	254	21	,	,	PUNCT
ajis02-327	254	22	and	and	CCONJ
ajis02-327	254	23	consumer	consumer	NOUN
ajis02-327	254	24	switching	switching	NOUN
ajis02-327	254	25	costs	cost	NOUN
ajis02-327	254	26	were	be	AUX
ajis02-327	254	27	explored	explore	VERB
ajis02-327	254	28	.	.	PUNCT
ajis02-327	255	1	in	in	ADP
ajis02-327	255	2	an	an	DET
ajis02-327	255	3	attempt	attempt	NOUN
ajis02-327	255	4	to	to	PART
ajis02-327	255	5	understand	understand	VERB
ajis02-327	255	6	what	what	DET
ajis02-327	255	7	type	type	NOUN
ajis02-327	255	8	of	of	ADP
ajis02-327	255	9	electronic	electronic	ADJ
ajis02-327	255	10	market	market	NOUN
ajis02-327	255	11	characteristics	characteristic	NOUN
ajis02-327	255	12	would	would	AUX
ajis02-327	255	13	emerge	emerge	VERB
ajis02-327	255	14	with	with	ADP
ajis02-327	255	15	the	the	DET
ajis02-327	255	16	entrance	entrance	NOUN
ajis02-327	255	17	of	of	ADP
ajis02-327	255	18	the	the	DET
ajis02-327	255	19	independent	independent	ADJ
ajis02-327	255	20	insurance	insurance	NOUN
ajis02-327	255	21	agency	agency	NOUN
ajis02-327	255	22	system	system	NOUN
ajis02-327	255	23	onto	onto	ADP
ajis02-327	255	24	the	the	DET
ajis02-327	255	25	internet	internet	NOUN
ajis02-327	255	26	,	,	PUNCT
ajis02-327	255	27	the	the	DET
ajis02-327	255	28	role	role	NOUN
ajis02-327	255	29	of	of	ADP
ajis02-327	255	30	supplier	supplier	NOUN
ajis02-327	255	31	relationships	relationship	NOUN
ajis02-327	255	32	,	,	PUNCT
ajis02-327	255	33	buyer	buyer	NOUN
ajis02-327	255	34	demographics	demographic	NOUN
ajis02-327	255	35	,	,	PUNCT
ajis02-327	255	36	transaction	transaction	NOUN
ajis02-327	255	37	pathways	pathway	NOUN
ajis02-327	255	38	,	,	PUNCT
ajis02-327	255	39	network	network	NOUN
ajis02-327	255	40	switching	switching	NOUN
ajis02-327	255	41	costs	cost	NOUN
ajis02-327	255	42	,	,	PUNCT
ajis02-327	255	43	price	price	NOUN
ajis02-327	255	44	and	and	CCONJ
ajis02-327	255	45	product	product	NOUN
ajis02-327	255	46	information	information	NOUN
ajis02-327	255	47	,	,	PUNCT
ajis02-327	255	48	price	price	NOUN
ajis02-327	255	49	competition	competition	NOUN
ajis02-327	255	50	,	,	PUNCT
ajis02-327	255	51	alliances	alliance	NOUN
ajis02-327	255	52	,	,	PUNCT
ajis02-327	255	53	and	and	CCONJ
ajis02-327	255	54	regulation	regulation	NOUN
ajis02-327	255	55	were	be	AUX
ajis02-327	255	56	explored	explore	VERB
ajis02-327	255	57	.	.	PUNCT
ajis02-327	256	1	supplier	supplier	NOUN
ajis02-327	256	2	relationships	relationship	NOUN
ajis02-327	256	3	the	the	DET
ajis02-327	256	4	respondents	respondent	NOUN
ajis02-327	256	5	viewed	view	VERB
ajis02-327	256	6	the	the	DET
ajis02-327	256	7	internet	internet	NOUN
ajis02-327	256	8	as	as	ADP
ajis02-327	256	9	relationship	relationship	NOUN
ajis02-327	256	10	technology	technology	NOUN
ajis02-327	256	11	where	where	SCONJ
ajis02-327	256	12	agents	agent	NOUN
ajis02-327	256	13	and	and	CCONJ
ajis02-327	256	14	insurance	insurance	NOUN
ajis02-327	256	15	companies	company	NOUN
ajis02-327	256	16	can	can	AUX
ajis02-327	256	17	embrace	embrace	VERB
ajis02-327	256	18	the	the	DET
ajis02-327	256	19	technology	technology	NOUN
ajis02-327	256	20	to	to	PART
ajis02-327	256	21	work	work	VERB
ajis02-327	256	22	with	with	ADP
ajis02-327	256	23	customers	customer	NOUN
ajis02-327	256	24	to	to	PART
ajis02-327	256	25	provide	provide	VERB
ajis02-327	256	26	products	product	NOUN
ajis02-327	256	27	and	and	CCONJ
ajis02-327	256	28	services	service	NOUN
ajis02-327	256	29	according	accord	VERB
ajis02-327	256	30	to	to	ADP
ajis02-327	256	31	their	their	PRON
ajis02-327	256	32	needs	need	NOUN
ajis02-327	256	33	and	and	CCONJ
ajis02-327	256	34	preferences	preference	NOUN
ajis02-327	256	35	.	.	PUNCT
ajis02-327	257	1	the	the	DET
ajis02-327	257	2	proprietary	proprietary	ADJ
ajis02-327	257	3	issues	issue	NOUN
ajis02-327	257	4	involved	involve	VERB
ajis02-327	257	5	in	in	ADP
ajis02-327	257	6	agent	agent	NOUN
ajis02-327	257	7	-	-	PUNCT
ajis02-327	257	8	company	company	NOUN
ajis02-327	257	9	relationships	relationship	NOUN
ajis02-327	257	10	encourage	encourage	VERB
ajis02-327	257	11	closer	close	ADJ
ajis02-327	257	12	alignment	alignment	NOUN
ajis02-327	257	13	between	between	ADP
ajis02-327	257	14	the	the	DET
ajis02-327	257	15	two	two	NUM
ajis02-327	257	16	,	,	PUNCT
ajis02-327	257	17	which	which	PRON
ajis02-327	257	18	encourages	encourage	VERB
ajis02-327	257	19	co	co	NOUN
ajis02-327	257	20	-	-	NOUN
ajis02-327	257	21	operation	operation	NOUN
ajis02-327	257	22	in	in	ADP
ajis02-327	257	23	introducing	introduce	VERB
ajis02-327	257	24	and	and	CCONJ
ajis02-327	257	25	utilising	utilise	VERB
ajis02-327	257	26	new	new	ADJ
ajis02-327	257	27	information	information	NOUN
ajis02-327	257	28	technology	technology	NOUN
ajis02-327	257	29	solutions	solution	NOUN
ajis02-327	257	30	over	over	ADP
ajis02-327	257	31	the	the	DET
ajis02-327	257	32	internet	internet	NOUN
ajis02-327	257	33	.	.	PUNCT
ajis02-327	258	1	the	the	DET
ajis02-327	258	2	internet	internet	NOUN
ajis02-327	258	3	was	be	AUX
ajis02-327	258	4	seen	see	VERB
ajis02-327	258	5	as	as	ADP
ajis02-327	258	6	providing	provide	VERB
ajis02-327	258	7	easier	easy	ADJ
ajis02-327	258	8	connectivity	connectivity	NOUN
ajis02-327	258	9	and	and	CCONJ
ajis02-327	258	10	a	a	DET
ajis02-327	258	11	tool	tool	NOUN
ajis02-327	258	12	to	to	PART
ajis02-327	258	13	supplement	supplement	VERB
ajis02-327	258	14	existing	exist	VERB
ajis02-327	258	15	relationships	relationship	NOUN
ajis02-327	258	16	.	.	PUNCT
ajis02-327	259	1	buyer	buyer	NOUN
ajis02-327	259	2	demographics	demographic	NOUN
ajis02-327	259	3	another	another	DET
ajis02-327	259	4	area	area	NOUN
ajis02-327	259	5	of	of	ADP
ajis02-327	259	6	importance	importance	NOUN
ajis02-327	259	7	was	be	AUX
ajis02-327	259	8	recognised	recognise	VERB
ajis02-327	259	9	to	to	PART
ajis02-327	259	10	be	be	AUX
ajis02-327	259	11	emerging	emerge	VERB
ajis02-327	259	12	markets	market	NOUN
ajis02-327	259	13	of	of	ADP
ajis02-327	259	14	younger	young	ADJ
ajis02-327	259	15	,	,	PUNCT
ajis02-327	259	16	more	more	ADV
ajis02-327	259	17	technologically	technologically	ADV
ajis02-327	259	18	exposed	expose	VERB
ajis02-327	259	19	individuals	individual	NOUN
ajis02-327	259	20	,	,	PUNCT
ajis02-327	259	21	and	and	CCONJ
ajis02-327	259	22	the	the	DET
ajis02-327	259	23	need	need	NOUN
ajis02-327	259	24	to	to	PART
ajis02-327	259	25	monitor	monitor	VERB
ajis02-327	259	26	and	and	CCONJ
ajis02-327	259	27	respond	respond	VERB
ajis02-327	259	28	to	to	ADP
ajis02-327	259	29	their	their	PRON
ajis02-327	259	30	buying	buying	NOUN
ajis02-327	259	31	preferences	preference	NOUN
ajis02-327	259	32	and	and	CCONJ
ajis02-327	259	33	practices	practice	NOUN
ajis02-327	259	34	.	.	PUNCT
ajis02-327	260	1	if	if	SCONJ
ajis02-327	260	2	such	such	DET
ajis02-327	260	3	an	an	DET
ajis02-327	260	4	emerging	emerge	VERB
ajis02-327	260	5	market	market	NOUN
ajis02-327	260	6	were	be	AUX
ajis02-327	260	7	to	to	PART
ajis02-327	260	8	increase	increase	VERB
ajis02-327	260	9	in	in	ADP
ajis02-327	260	10	size	size	NOUN
ajis02-327	260	11	and	and	CCONJ
ajis02-327	260	12	attractiveness	attractiveness	NOUN
ajis02-327	260	13	,	,	PUNCT
ajis02-327	260	14	the	the	DET
ajis02-327	260	15	nature	nature	NOUN
ajis02-327	260	16	of	of	ADP
ajis02-327	260	17	market	market	NOUN
ajis02-327	260	18	relationships	relationship	NOUN
ajis02-327	260	19	could	could	AUX
ajis02-327	260	20	easily	easily	ADV
ajis02-327	260	21	change	change	VERB
ajis02-327	260	22	.	.	PUNCT
ajis02-327	261	1	34	34	NUM
ajis02-327	261	2	ajis	ajis	PROPN
ajis02-327	261	3	special	special	PROPN
ajis02-327	261	4	edition	edition	PROPN
ajis02-327	261	5	electronic	electronic	PROPN
ajis02-327	261	6	commerce	commerce	PROPN
ajis02-327	261	7	november	november	PROPN
ajis02-327	261	8	1998	1998	NUM
ajis02-327	261	9	transaction	transaction	NOUN
ajis02-327	261	10	pathways	pathway	VERB
ajis02-327	261	11	the	the	DET
ajis02-327	261	12	question	question	NOUN
ajis02-327	261	13	of	of	ADP
ajis02-327	261	14	whether	whether	SCONJ
ajis02-327	261	15	current	current	ADJ
ajis02-327	261	16	transaction	transaction	NOUN
ajis02-327	261	17	pathways	pathway	NOUN
ajis02-327	261	18	will	will	AUX
ajis02-327	261	19	remain	remain	VERB
ajis02-327	261	20	the	the	DET
ajis02-327	261	21	same	same	ADJ
ajis02-327	261	22	or	or	CCONJ
ajis02-327	261	23	change	change	NOUN
ajis02-327	261	24	as	as	SCONJ
ajis02-327	261	25	the	the	DET
ajis02-327	261	26	internet	internet	NOUN
ajis02-327	261	27	is	be	AUX
ajis02-327	261	28	used	use	VERB
ajis02-327	261	29	for	for	ADP
ajis02-327	261	30	servicing	servicing	NOUN
ajis02-327	261	31	insurance	insurance	NOUN
ajis02-327	261	32	consumers	consumer	NOUN
ajis02-327	261	33	remains	remain	VERB
ajis02-327	261	34	to	to	PART
ajis02-327	261	35	be	be	AUX
ajis02-327	261	36	seen	see	VERB
ajis02-327	261	37	.	.	PUNCT
ajis02-327	262	1	while	while	SCONJ
ajis02-327	262	2	respondents	respondent	NOUN
ajis02-327	262	3	believed	believe	VERB
ajis02-327	262	4	market	market	NOUN
ajis02-327	262	5	preferences	preference	NOUN
ajis02-327	262	6	determine	determine	VERB
ajis02-327	262	7	industry	industry	NOUN
ajis02-327	262	8	structure	structure	NOUN
ajis02-327	262	9	,	,	PUNCT
ajis02-327	262	10	they	they	PRON
ajis02-327	262	11	also	also	ADV
ajis02-327	262	12	suggested	suggest	VERB
ajis02-327	262	13	that	that	SCONJ
ajis02-327	262	14	the/7ow	the/7ow	NOUN
ajis02-327	262	15	of	of	ADP
ajis02-327	262	16	information	information	NOUN
ajis02-327	262	17	between	between	ADP
ajis02-327	262	18	entities	entity	NOUN
ajis02-327	262	19	will	will	AUX
ajis02-327	262	20	emerge	emerge	VERB
ajis02-327	262	21	as	as	ADP
ajis02-327	262	22	an	an	DET
ajis02-327	262	23	important	important	ADJ
ajis02-327	262	24	influence	influence	NOUN
ajis02-327	262	25	on	on	ADP
ajis02-327	262	26	industry	industry	NOUN
ajis02-327	262	27	structure	structure	NOUN
ajis02-327	262	28	in	in	ADP
ajis02-327	262	29	the	the	DET
ajis02-327	262	30	future	future	NOUN
ajis02-327	262	31	.	.	PUNCT
ajis02-327	263	1	such	such	DET
ajis02-327	263	2	a	a	DET
ajis02-327	263	3	concept	concept	NOUN
ajis02-327	263	4	illustrates	illustrate	VERB
ajis02-327	263	5	how	how	SCONJ
ajis02-327	263	6	the	the	DET
ajis02-327	263	7	independent	independent	ADJ
ajis02-327	263	8	insurance	insurance	NOUN
ajis02-327	263	9	agency	agency	NOUN
ajis02-327	263	10	system	system	NOUN
ajis02-327	263	11	is	be	AUX
ajis02-327	263	12	vulnerable	vulnerable	ADJ
ajis02-327	263	13	to	to	ADP
ajis02-327	263	14	an	an	DET
ajis02-327	263	15	electronic	electronic	ADJ
ajis02-327	263	16	marketplace	marketplace	NOUN
ajis02-327	263	17	such	such	ADJ
ajis02-327	263	18	as	as	ADP
ajis02-327	263	19	the	the	DET
ajis02-327	263	20	internet	internet	NOUN
ajis02-327	263	21	where	where	SCONJ
ajis02-327	263	22	information	information	NOUN
ajis02-327	263	23	flows	flow	VERB
ajis02-327	263	24	freely	freely	ADV
ajis02-327	263	25	and	and	CCONJ
ajis02-327	263	26	is	be	AUX
ajis02-327	263	27	accessed	access	VERB
ajis02-327	263	28	at	at	ADP
ajis02-327	263	29	the	the	DET
ajis02-327	263	30	convenience	convenience	NOUN
ajis02-327	263	31	of	of	ADP
ajis02-327	263	32	the	the	DET
ajis02-327	263	33	user	user	NOUN
ajis02-327	263	34	.	.	PUNCT
ajis02-327	264	1	the	the	DET
ajis02-327	264	2	interviews	interview	NOUN
ajis02-327	264	3	also	also	ADV
ajis02-327	264	4	uncovered	uncover	VERB
ajis02-327	264	5	that	that	SCONJ
ajis02-327	264	6	the	the	DET
ajis02-327	264	7	flow	flow	NOUN
ajis02-327	264	8	of	of	ADP
ajis02-327	264	9	information	information	NOUN
ajis02-327	264	10	between	between	ADP
ajis02-327	264	11	consumers	consumer	NOUN
ajis02-327	264	12	,	,	PUNCT
ajis02-327	264	13	agents	agent	NOUN
ajis02-327	264	14	and	and	CCONJ
ajis02-327	264	15	companies	company	NOUN
ajis02-327	264	16	on	on	ADP
ajis02-327	264	17	the	the	DET
ajis02-327	264	18	internet	internet	NOUN
ajis02-327	264	19	is	be	AUX
ajis02-327	264	20	not	not	PART
ajis02-327	264	21	one	one	NUM
ajis02-327	264	22	-	-	PUNCT
ajis02-327	264	23	dimensional	dimensional	ADJ
ajis02-327	264	24	or	or	CCONJ
ajis02-327	264	25	biased	biased	ADJ
ajis02-327	264	26	towards	towards	ADP
ajis02-327	264	27	one	one	NUM
ajis02-327	264	28	entity	entity	NOUN
ajis02-327	264	29	,	,	PUNCT
ajis02-327	264	30	rather	rather	ADV
ajis02-327	264	31	the	the	DET
ajis02-327	264	32	manner	manner	NOUN
ajis02-327	264	33	through	through	ADP
ajis02-327	264	34	which	which	PRON
ajis02-327	264	35	the	the	DET
ajis02-327	264	36	information	information	NOUN
ajis02-327	264	37	is	be	AUX
ajis02-327	264	38	used	use	VERB
ajis02-327	264	39	is	be	AUX
ajis02-327	264	40	the	the	DET
ajis02-327	264	41	distinguishing	distinguish	VERB
ajis02-327	264	42	feature	feature	NOUN
ajis02-327	264	43	of	of	ADP
ajis02-327	264	44	information	information	NOUN
ajis02-327	264	45	based	base	VERB
ajis02-327	264	46	commerce	commerce	PROPN
ajis02-327	264	47	.	.	PUNCT
ajis02-327	265	1	thus	thus	ADV
ajis02-327	265	2	,	,	PUNCT
ajis02-327	265	3	the	the	DET
ajis02-327	265	4	internet	internet	NOUN
ajis02-327	265	5	serves	serve	VERB
ajis02-327	265	6	as	as	ADP
ajis02-327	265	7	an	an	DET
ajis02-327	265	8	information	information	NOUN
ajis02-327	265	9	tool	tool	NOUN
ajis02-327	265	10	that	that	PRON
ajis02-327	265	11	will	will	AUX
ajis02-327	265	12	supplement	supplement	VERB
ajis02-327	265	13	buyer	buyer	NOUN
ajis02-327	265	14	preferences	preference	NOUN
ajis02-327	265	15	,	,	PUNCT
ajis02-327	265	16	with	with	ADP
ajis02-327	265	17	those	those	DET
ajis02-327	265	18	preferences	preference	NOUN
ajis02-327	265	19	determining	determine	VERB
ajis02-327	265	20	die	die	VERB
ajis02-327	265	21	path	path	NOUN
ajis02-327	265	22	followed	follow	VERB
ajis02-327	265	23	in	in	ADP
ajis02-327	265	24	a	a	DET
ajis02-327	265	25	given	give	VERB
ajis02-327	265	26	transaction	transaction	NOUN
ajis02-327	265	27	.	.	PUNCT
ajis02-327	266	1	for	for	ADP
ajis02-327	266	2	example	example	NOUN
ajis02-327	266	3	,	,	PUNCT
ajis02-327	266	4	one	one	NUM
ajis02-327	266	5	respondent	respondent	NOUN
ajis02-327	266	6	gave	give	VERB
ajis02-327	266	7	the	the	DET
ajis02-327	266	8	example	example	NOUN
ajis02-327	266	9	of	of	ADP
ajis02-327	266	10	an	an	DET
ajis02-327	266	11	agency	agency	NOUN
ajis02-327	266	12	web	web	NOUN
ajis02-327	266	13	site	site	NOUN
ajis02-327	266	14	seamlessly	seamlessly	ADV
ajis02-327	266	15	integrated	integrate	VERB
ajis02-327	266	16	with	with	ADP
ajis02-327	266	17	his	his	PRON
ajis02-327	266	18	company	company	NOUN
ajis02-327	266	19	in	in	ADP
ajis02-327	266	20	which	which	PRON
ajis02-327	266	21	a	a	DET
ajis02-327	266	22	browser	browser	NOUN
ajis02-327	266	23	located	locate	VERB
ajis02-327	266	24	a	a	DET
ajis02-327	266	25	local	local	ADJ
ajis02-327	266	26	independent	independent	ADJ
ajis02-327	266	27	agent	agent	NOUN
ajis02-327	266	28	's	's	PART
ajis02-327	266	29	web	web	NOUN
ajis02-327	266	30	site	site	NOUN
ajis02-327	266	31	and	and	CCONJ
ajis02-327	266	32	used	use	VERB
ajis02-327	266	33	the	the	DET
ajis02-327	266	34	agent	agent	NOUN
ajis02-327	266	35	's	's	PART
ajis02-327	266	36	web	web	NOUN
ajis02-327	266	37	site	site	NOUN
ajis02-327	266	38	as	as	ADP
ajis02-327	266	39	the	the	DET
ajis02-327	266	40	structure	structure	NOUN
ajis02-327	266	41	for	for	ADP
ajis02-327	266	42	securing	secure	VERB
ajis02-327	266	43	insurance	insurance	NOUN
ajis02-327	266	44	from	from	ADP
ajis02-327	266	45	die	die	PROPN
ajis02-327	266	46	internet	internet	NOUN
ajis02-327	266	47	.	.	PUNCT
ajis02-327	267	1	such	such	DET
ajis02-327	267	2	an	an	DET
ajis02-327	267	3	example	example	NOUN
ajis02-327	267	4	highlights	highlight	VERB
ajis02-327	267	5	the	the	DET
ajis02-327	267	6	possibility	possibility	NOUN
ajis02-327	267	7	that	that	SCONJ
ajis02-327	267	8	the	the	DET
ajis02-327	267	9	physical	physical	ADJ
ajis02-327	267	10	distinction	distinction	NOUN
ajis02-327	267	11	between	between	ADP
ajis02-327	267	12	agency	agency	NOUN
ajis02-327	267	13	and	and	CCONJ
ajis02-327	267	14	company	company	NOUN
ajis02-327	267	15	becomes	become	VERB
ajis02-327	267	16	blurred	blur	VERB
ajis02-327	267	17	in	in	ADP
ajis02-327	267	18	die	die	VERB
ajis02-327	267	19	virtual	virtual	ADJ
ajis02-327	267	20	world	world	NOUN
ajis02-327	267	21	,	,	PUNCT
ajis02-327	267	22	with	with	ADP
ajis02-327	267	23	consumer	consumer	NOUN
ajis02-327	267	24	preferences	preference	NOUN
ajis02-327	267	25	determining	determine	VERB
ajis02-327	267	26	transaction	transaction	NOUN
ajis02-327	267	27	patterns	pattern	NOUN
ajis02-327	267	28	.	.	PUNCT
ajis02-327	268	1	buyer	buyer	NOUN
ajis02-327	268	2	loyalty	loyalty	NOUN
ajis02-327	268	3	and	and	CCONJ
ajis02-327	268	4	switching	switch	VERB
ajis02-327	268	5	the	the	DET
ajis02-327	268	6	increased	increase	VERB
ajis02-327	268	7	ability	ability	NOUN
ajis02-327	268	8	and	and	CCONJ
ajis02-327	268	9	convenience	convenience	NOUN
ajis02-327	268	10	of	of	ADP
ajis02-327	268	11	consumers	consumer	NOUN
ajis02-327	268	12	to	to	PART
ajis02-327	268	13	search	search	VERB
ajis02-327	268	14	for	for	ADP
ajis02-327	268	15	insurance	insurance	NOUN
ajis02-327	268	16	products	product	NOUN
ajis02-327	268	17	were	be	AUX
ajis02-327	268	18	seen	see	VERB
ajis02-327	268	19	as	as	ADP
ajis02-327	268	20	factors	factor	NOUN
ajis02-327	268	21	that	that	PRON
ajis02-327	268	22	may	may	AUX
ajis02-327	268	23	influence	influence	VERB
ajis02-327	268	24	customer	customer	NOUN
ajis02-327	268	25	renewals	renewal	NOUN
ajis02-327	268	26	.	.	PUNCT
ajis02-327	269	1	it	it	PRON
ajis02-327	269	2	was	be	AUX
ajis02-327	269	3	found	find	VERB
ajis02-327	269	4	that	that	SCONJ
ajis02-327	269	5	numerous	numerous	ADJ
ajis02-327	269	6	external	external	ADJ
ajis02-327	269	7	factors	factor	NOUN
ajis02-327	269	8	influence	influence	VERB
ajis02-327	269	9	whether	whether	SCONJ
ajis02-327	269	10	consumers	consumer	NOUN
ajis02-327	269	11	renew	renew	VERB
ajis02-327	269	12	their	their	PRON
ajis02-327	269	13	policies	policy	NOUN
ajis02-327	269	14	with	with	ADP
ajis02-327	269	15	a	a	DET
ajis02-327	269	16	given	give	VERB
ajis02-327	269	17	company	company	NOUN
ajis02-327	269	18	.	.	PUNCT
ajis02-327	270	1	however	however	ADV
ajis02-327	270	2	,	,	PUNCT
ajis02-327	270	3	it	it	PRON
ajis02-327	270	4	was	be	AUX
ajis02-327	270	5	noted	note	VERB
ajis02-327	270	6	that	that	SCONJ
ajis02-327	270	7	an	an	DET
ajis02-327	270	8	increased	increase	VERB
ajis02-327	270	9	ability	ability	NOUN
ajis02-327	270	10	for	for	SCONJ
ajis02-327	270	11	consumers	consumer	NOUN
ajis02-327	270	12	to	to	PART
ajis02-327	270	13	search	search	VERB
ajis02-327	270	14	and	and	CCONJ
ajis02-327	270	15	switch	switch	NOUN
ajis02-327	270	16	was	be	AUX
ajis02-327	270	17	not	not	PART
ajis02-327	270	18	beneficial	beneficial	ADJ
ajis02-327	270	19	to	to	ADP
ajis02-327	270	20	carriers	carrier	NOUN
ajis02-327	270	21	.	.	PUNCT
ajis02-327	271	1	an	an	DET
ajis02-327	271	2	increased	increase	VERB
ajis02-327	271	3	tendency	tendency	NOUN
ajis02-327	271	4	to	to	PART
ajis02-327	271	5	search	search	NOUN
ajis02-327	271	6	was	be	AUX
ajis02-327	271	7	seen	see	VERB
ajis02-327	271	8	as	as	ADP
ajis02-327	271	9	leading	lead	VERB
ajis02-327	271	10	towards	towards	ADP
ajis02-327	271	11	product	product	NOUN
ajis02-327	271	12	price	price	NOUN
ajis02-327	271	13	having	have	VERB
ajis02-327	271	14	a	a	DET
ajis02-327	271	15	larger	large	ADJ
ajis02-327	271	16	role	role	NOUN
ajis02-327	271	17	in	in	ADP
ajis02-327	271	18	product	product	NOUN
ajis02-327	271	19	selection	selection	NOUN
ajis02-327	271	20	,	,	PUNCT
ajis02-327	271	21	and	and	CCONJ
ajis02-327	271	22	created	create	VERB
ajis02-327	271	23	a	a	DET
ajis02-327	271	24	contradiction	contradiction	NOUN
ajis02-327	271	25	between	between	ADP
ajis02-327	271	26	those	those	PRON
ajis02-327	271	27	who	who	PRON
ajis02-327	271	28	saw	see	VERB
ajis02-327	271	29	die	die	VERB
ajis02-327	271	30	internet	internet	NOUN
ajis02-327	271	31	as	as	ADP
ajis02-327	271	32	facilitating	facilitate	VERB
ajis02-327	271	33	and	and	CCONJ
ajis02-327	271	34	building	build	VERB
ajis02-327	271	35	closer	close	ADJ
ajis02-327	271	36	relationships	relationship	NOUN
ajis02-327	271	37	between	between	ADP
ajis02-327	271	38	companies	company	NOUN
ajis02-327	271	39	/	/	SYM
ajis02-327	271	40	agencies	agency	NOUN
ajis02-327	271	41	and	and	CCONJ
ajis02-327	271	42	their	their	PRON
ajis02-327	271	43	consumers	consumer	NOUN
ajis02-327	271	44	,	,	PUNCT
ajis02-327	271	45	and	and	CCONJ
ajis02-327	271	46	those	those	PRON
ajis02-327	271	47	who	who	PRON
ajis02-327	271	48	saw	see	VERB
ajis02-327	271	49	die	die	VERB
ajis02-327	271	50	internet	internet	NOUN
ajis02-327	271	51	as	as	ADP
ajis02-327	271	52	decreasing	decrease	VERB
ajis02-327	271	53	relationships	relationship	NOUN
ajis02-327	271	54	.	.	PUNCT
ajis02-327	272	1	negative	negative	ADJ
ajis02-327	272	2	impacts	impact	NOUN
ajis02-327	272	3	of	of	ADP
ajis02-327	272	4	switching	switching	NOUN
ajis02-327	272	5	included	include	VERB
ajis02-327	272	6	increased	increase	VERB
ajis02-327	272	7	organisational	organisational	ADJ
ajis02-327	272	8	operating	operating	NOUN
ajis02-327	272	9	costs	cost	NOUN
ajis02-327	272	10	to	to	PART
ajis02-327	272	11	support	support	VERB
ajis02-327	272	12	products	product	NOUN
ajis02-327	272	13	and	and	CCONJ
ajis02-327	272	14	customer	customer	NOUN
ajis02-327	272	15	servicing	servicing	NOUN
ajis02-327	272	16	,	,	PUNCT
ajis02-327	272	17	and	and	CCONJ
ajis02-327	272	18	potential	potential	ADJ
ajis02-327	272	19	threats	threat	NOUN
ajis02-327	272	20	to	to	ADP
ajis02-327	272	21	coverage	coverage	NOUN
ajis02-327	272	22	renewals	renewal	NOUN
ajis02-327	272	23	.	.	PUNCT
ajis02-327	273	1	product	product	NOUN
ajis02-327	273	2	and	and	CCONJ
ajis02-327	273	3	price	price	NOUN
ajis02-327	273	4	information	information	NOUN
ajis02-327	273	5	availability	availability	NOUN
ajis02-327	273	6	when	when	SCONJ
ajis02-327	273	7	respondents	respondent	NOUN
ajis02-327	273	8	were	be	AUX
ajis02-327	273	9	asked	ask	VERB
ajis02-327	273	10	how	how	SCONJ
ajis02-327	273	11	price	price	NOUN
ajis02-327	273	12	and	and	CCONJ
ajis02-327	273	13	product	product	NOUN
ajis02-327	273	14	information	information	NOUN
ajis02-327	273	15	on	on	ADP
ajis02-327	273	16	the	the	DET
ajis02-327	273	17	internet	internet	NOUN
ajis02-327	273	18	would	would	AUX
ajis02-327	273	19	impact	impact	VERB
ajis02-327	273	20	insurance	insurance	NOUN
ajis02-327	273	21	distribution	distribution	NOUN
ajis02-327	273	22	,	,	PUNCT
ajis02-327	273	23	the	the	DET
ajis02-327	273	24	following	follow	VERB
ajis02-327	273	25	factors	factor	NOUN
ajis02-327	273	26	where	where	SCONJ
ajis02-327	273	27	seen	see	VERB
ajis02-327	273	28	to	to	PART
ajis02-327	273	29	interact	interact	VERB
ajis02-327	273	30	with	with	ADP
ajis02-327	273	31	how	how	SCONJ
ajis02-327	273	32	product	product	NOUN
ajis02-327	273	33	and	and	CCONJ
ajis02-327	273	34	price	price	NOUN
ajis02-327	273	35	information	information	NOUN
ajis02-327	273	36	are	be	AUX
ajis02-327	273	37	utilised	utilise	VERB
ajis02-327	273	38	on	on	ADP
ajis02-327	273	39	the	the	DET
ajis02-327	273	40	internet	internet	NOUN
ajis02-327	273	41	:	:	PUNCT
ajis02-327	273	42	•	•	NUM
ajis02-327	273	43	educationconsumer	educationconsumer	NOUN
ajis02-327	273	44	education	education	NOUN
ajis02-327	273	45	dirough	dirough	NOUN
ajis02-327	273	46	die	die	VERB
ajis02-327	273	47	internet	internet	NOUN
ajis02-327	273	48	serves	serve	VERB
ajis02-327	273	49	an	an	DET
ajis02-327	273	50	important	important	ADJ
ajis02-327	273	51	role	role	NOUN
ajis02-327	273	52	in	in	ADP
ajis02-327	273	53	helping	help	VERB
ajis02-327	273	54	buyers	buyer	NOUN
ajis02-327	273	55	understand	understand	VERB
ajis02-327	273	56	insurance	insurance	NOUN
ajis02-327	273	57	products	product	NOUN
ajis02-327	273	58	and	and	CCONJ
ajis02-327	273	59	rating	rating	NOUN
ajis02-327	273	60	mechanisms	mechanism	NOUN
ajis02-327	273	61	,	,	PUNCT
ajis02-327	273	62	but	but	CCONJ
ajis02-327	273	63	also	also	ADV
ajis02-327	273	64	increases	increase	VERB
ajis02-327	273	65	their	their	PRON
ajis02-327	273	66	product	product	NOUN
ajis02-327	273	67	/	/	SYM
ajis02-327	273	68	service	service	NOUN
ajis02-327	273	69	awareness	awareness	NOUN
ajis02-327	273	70	and	and	CCONJ
ajis02-327	273	71	expectations	expectation	NOUN
ajis02-327	273	72	•	•	ADP
ajis02-327	273	73	needs	need	NOUN
ajis02-327	273	74	assessmentdie	assessmentdie	NOUN
ajis02-327	273	75	population	population	NOUN
ajis02-327	273	76	of	of	ADP
ajis02-327	273	77	internet	internet	NOUN
ajis02-327	273	78	users	user	NOUN
ajis02-327	273	79	mirrors	mirror	NOUN
ajis02-327	273	80	die	die	VERB
ajis02-327	273	81	traditional	traditional	ADJ
ajis02-327	273	82	insurance	insurance	NOUN
ajis02-327	273	83	consumer	consumer	NOUN
ajis02-327	273	84	population	population	NOUN
ajis02-327	273	85	in	in	ADP
ajis02-327	273	86	which	which	PRON
ajis02-327	273	87	different	different	ADJ
ajis02-327	273	88	buying	buying	NOUN
ajis02-327	273	89	segments	segment	NOUN
ajis02-327	273	90	have	have	VERB
ajis02-327	273	91	different	different	ADJ
ajis02-327	273	92	buying	buying	NOUN
ajis02-327	273	93	preferences	preference	NOUN
ajis02-327	273	94	,	,	PUNCT
ajis02-327	273	95	including	include	VERB
ajis02-327	273	96	those	those	PRON
ajis02-327	273	97	who	who	PRON
ajis02-327	273	98	are	be	AUX
ajis02-327	273	99	price	price	NOUN
ajis02-327	273	100	oriented	orient	VERB
ajis02-327	273	101	,	,	PUNCT
ajis02-327	273	102	relationship	relationship	NOUN
ajis02-327	273	103	oriented	orient	VERB
ajis02-327	273	104	,	,	PUNCT
ajis02-327	273	105	and	and	CCONJ
ajis02-327	273	106	protection	protection	NOUN
ajis02-327	273	107	coverage	coverage	NOUN
ajis02-327	273	108	oriented	orient	VERB
ajis02-327	273	109	•	•	NUM
ajis02-327	273	110	market	market	NOUN
ajis02-327	273	111	makerdie	makerdie	NOUN
ajis02-327	273	112	ability	ability	NOUN
ajis02-327	273	113	of	of	ADP
ajis02-327	273	114	and	and	CCONJ
ajis02-327	273	115	incentive	incentive	NOUN
ajis02-327	273	116	for	for	SCONJ
ajis02-327	273	117	an	an	DET
ajis02-327	273	118	organisation	organisation	NOUN
ajis02-327	273	119	to	to	PART
ajis02-327	273	120	create	create	VERB
ajis02-327	273	121	an	an	DET
ajis02-327	273	122	environment	environment	NOUN
ajis02-327	273	123	of	of	ADP
ajis02-327	273	124	on	on	ADP
ajis02-327	273	125	-	-	PUNCT
ajis02-327	273	126	line	line	NOUN
ajis02-327	273	127	,	,	PUNCT
ajis02-327	273	128	comparative	comparative	ADJ
ajis02-327	273	129	insurance	insurance	NOUN
ajis02-327	273	130	shopping	shopping	NOUN
ajis02-327	273	131	has	have	AUX
ajis02-327	273	132	not	not	PART
ajis02-327	273	133	been	be	AUX
ajis02-327	273	134	fully	fully	ADV
ajis02-327	273	135	realised	realise	VERB
ajis02-327	273	136	at	at	ADP
ajis02-327	273	137	present	present	NOUN
ajis02-327	273	138	.	.	PUNCT
ajis02-327	274	1	although	although	SCONJ
ajis02-327	274	2	different	different	ADJ
ajis02-327	274	3	organisations	organisation	NOUN
ajis02-327	274	4	were	be	AUX
ajis02-327	274	5	noted	note	VERB
ajis02-327	274	6	as	as	ADP
ajis02-327	274	7	attempting	attempt	VERB
ajis02-327	274	8	to	to	PART
ajis02-327	274	9	build	build	VERB
ajis02-327	274	10	an	an	DET
ajis02-327	274	11	on	on	ADP
ajis02-327	274	12	-	-	PUNCT
ajis02-327	274	13	line	line	NOUN
ajis02-327	274	14	insurance	insurance	NOUN
ajis02-327	274	15	marketplace	marketplace	NOUN
ajis02-327	274	16	(	(	PUNCT
ajis02-327	274	17	for	for	ADP
ajis02-327	274	18	example	example	NOUN
ajis02-327	274	19	ins	in	NOUN
ajis02-327	274	20	web	web	NOUN
ajis02-327	274	21	<	<	X
ajis02-327	274	22	www.insweb.com	www.insweb.com	X
ajis02-327	274	23	>	>	X
ajis02-327	274	24	)	)	PUNCT
ajis02-327	275	1	the	the	DET
ajis02-327	275	2	current	current	ADJ
ajis02-327	275	3	initiatives	initiative	NOUN
ajis02-327	275	4	were	be	AUX
ajis02-327	275	5	seen	see	VERB
ajis02-327	275	6	as	as	ADP
ajis02-327	275	7	limited	limited	ADJ
ajis02-327	275	8	and	and	CCONJ
ajis02-327	275	9	with	with	ADP
ajis02-327	275	10	minimal	minimal	ADJ
ajis02-327	275	11	benefits	benefit	NOUN
ajis02-327	275	12	the	the	DET
ajis02-327	275	13	ability	ability	NOUN
ajis02-327	275	14	of	of	ADP
ajis02-327	275	15	consumers	consumer	NOUN
ajis02-327	275	16	to	to	PART
ajis02-327	275	17	conduct	conduct	VERB
ajis02-327	275	18	rate	rate	NOUN
ajis02-327	275	19	comparisons	comparison	NOUN
ajis02-327	275	20	was	be	AUX
ajis02-327	275	21	seen	see	VERB
ajis02-327	275	22	to	to	PART
ajis02-327	275	23	be	be	AUX
ajis02-327	275	24	increased	increase	VERB
ajis02-327	275	25	as	as	ADP
ajis02-327	275	26	a	a	DET
ajis02-327	275	27	result	result	NOUN
ajis02-327	275	28	of	of	ADP
ajis02-327	275	29	die	die	VERB
ajis02-327	275	30	internet	internet	NOUN
ajis02-327	275	31	.	.	PUNCT
ajis02-327	276	1	at	at	ADP
ajis02-327	276	2	present	present	ADJ
ajis02-327	276	3	,	,	PUNCT
ajis02-327	276	4	the	the	DET
ajis02-327	276	5	time	time	NOUN
ajis02-327	276	6	and	and	CCONJ
ajis02-327	276	7	process	process	NOUN
ajis02-327	276	8	to	to	PART
ajis02-327	276	9	conduct	conduct	VERB
ajis02-327	276	10	rate	rate	NOUN
ajis02-327	276	11	comparisons	comparison	NOUN
ajis02-327	276	12	are	be	AUX
ajis02-327	276	13	absorbed	absorb	VERB
ajis02-327	276	14	by	by	ADP
ajis02-327	276	15	independent	independent	ADJ
ajis02-327	276	16	agents	agent	NOUN
ajis02-327	276	17	or	or	CCONJ
ajis02-327	276	18	consumers	consumer	NOUN
ajis02-327	276	19	.	.	PUNCT
ajis02-327	277	1	however	however	ADV
ajis02-327	277	2	die	die	VERB
ajis02-327	277	3	findings	finding	NOUN
ajis02-327	277	4	indicate	indicate	VERB
ajis02-327	277	5	me	i	PRON
ajis02-327	277	6	ability	ability	NOUN
ajis02-327	277	7	of	of	ADP
ajis02-327	277	8	a	a	DET
ajis02-327	277	9	market	market	NOUN
ajis02-327	277	10	maker	maker	NOUN
ajis02-327	277	11	to	to	PART
ajis02-327	277	12	create	create	VERB
ajis02-327	277	13	a	a	DET
ajis02-327	277	14	favourable	favourable	ADJ
ajis02-327	277	15	environment	environment	NOUN
ajis02-327	277	16	on	on	ADP
ajis02-327	277	17	die	die	VERB
ajis02-327	277	18	internet	internet	NOUN
ajis02-327	277	19	for	for	ADP
ajis02-327	277	20	comparison	comparison	NOUN
ajis02-327	277	21	shopping	shopping	NOUN
ajis02-327	277	22	would	would	AUX
ajis02-327	277	23	be	be	AUX
ajis02-327	277	24	beneficial	beneficial	ADJ
ajis02-327	277	25	.	.	PUNCT
ajis02-327	278	1	in	in	ADP
ajis02-327	278	2	such	such	DET
ajis02-327	278	3	an	an	DET
ajis02-327	278	4	environment	environment	NOUN
ajis02-327	278	5	,	,	PUNCT
ajis02-327	278	6	product	product	NOUN
ajis02-327	278	7	and	and	CCONJ
ajis02-327	278	8	price	price	NOUN
ajis02-327	278	9	information	information	NOUN
ajis02-327	278	10	would	would	AUX
ajis02-327	278	11	be	be	AUX
ajis02-327	278	12	available	available	ADJ
ajis02-327	278	13	for	for	SCONJ
ajis02-327	278	14	consumers	consumer	NOUN
ajis02-327	278	15	to	to	PART
ajis02-327	278	16	assist	assist	VERB
ajis02-327	278	17	in	in	ADP
ajis02-327	278	18	assessing	assess	VERB
ajis02-327	278	19	product	product	NOUN
ajis02-327	278	20	needs	need	NOUN
ajis02-327	278	21	.	.	PUNCT
ajis02-327	279	1	price	price	NOUN
ajis02-327	279	2	competition	competition	NOUN
ajis02-327	279	3	the	the	DET
ajis02-327	279	4	effect	effect	NOUN
ajis02-327	279	5	the	the	DET
ajis02-327	279	6	internet	internet	NOUN
ajis02-327	279	7	has	have	VERB
ajis02-327	279	8	on	on	ADP
ajis02-327	279	9	price	price	NOUN
ajis02-327	279	10	competition	competition	NOUN
ajis02-327	279	11	between	between	ADP
ajis02-327	279	12	insurers	insurer	NOUN
ajis02-327	279	13	was	be	AUX
ajis02-327	279	14	seen	see	VERB
ajis02-327	279	15	to	to	PART
ajis02-327	279	16	be	be	AUX
ajis02-327	279	17	limited	limit	VERB
ajis02-327	279	18	to	to	ADP
ajis02-327	279	19	me	i	PRON
ajis02-327	279	20	business	business	NOUN
ajis02-327	279	21	strategy	strategy	NOUN
ajis02-327	279	22	die	die	VERB
ajis02-327	279	23	organisations	organisation	NOUN
ajis02-327	279	24	have	have	AUX
ajis02-327	279	25	developed	develop	VERB
ajis02-327	279	26	.	.	PUNCT
ajis02-327	280	1	depending	depend	VERB
ajis02-327	280	2	on	on	ADP
ajis02-327	280	3	whedier	whedier	ADJ
ajis02-327	280	4	a	a	DET
ajis02-327	280	5	carrier	carrier	NOUN
ajis02-327	280	6	's	's	PART
ajis02-327	280	7	competitive	competitive	ADJ
ajis02-327	280	8	strategy	strategy	NOUN
ajis02-327	280	9	is	be	AUX
ajis02-327	280	10	based	base	VERB
ajis02-327	280	11	on	on	ADP
ajis02-327	280	12	cost	cost	NOUN
ajis02-327	280	13	,	,	PUNCT
ajis02-327	280	14	service	service	NOUN
ajis02-327	280	15	,	,	PUNCT
ajis02-327	280	16	and/or	and/or	CCONJ
ajis02-327	280	17	quality	quality	NOUN
ajis02-327	280	18	directly	directly	ADV
ajis02-327	280	19	influences	influence	NOUN
ajis02-327	280	20	die	die	VERB
ajis02-327	280	21	internet	internet	NOUN
ajis02-327	280	22	's	's	PART
ajis02-327	280	23	impact	impact	NOUN
ajis02-327	280	24	on	on	ADP
ajis02-327	280	25	price	price	NOUN
ajis02-327	280	26	sensitivity	sensitivity	NOUN
ajis02-327	280	27	.	.	PUNCT
ajis02-327	281	1	additionally	additionally	ADV
ajis02-327	281	2	,	,	PUNCT
ajis02-327	281	3	me	i	PRON
ajis02-327	281	4	price	price	NOUN
ajis02-327	281	5	mechanisms	mechanism	NOUN
ajis02-327	281	6	are	be	AUX
ajis02-327	281	7	not	not	PART
ajis02-327	281	8	in	in	ADP
ajis02-327	281	9	place	place	NOUN
ajis02-327	281	10	to	to	PART
ajis02-327	281	11	provide	provide	VERB
ajis02-327	281	12	quick	quick	ADJ
ajis02-327	281	13	responses	response	NOUN
ajis02-327	281	14	to	to	ADP
ajis02-327	281	15	customer	customer	NOUN
ajis02-327	281	16	inquires	inquire	NOUN
ajis02-327	281	17	(	(	PUNCT
ajis02-327	281	18	most	most	ADJ
ajis02-327	281	19	internet	internet	NOUN
ajis02-327	281	20	quotes	quote	NOUN
ajis02-327	281	21	are	be	AUX
ajis02-327	281	22	delivered	deliver	VERB
ajis02-327	281	23	though	though	ADV
ajis02-327	281	24	e	e	NOUN
ajis02-327	281	25	-	-	NOUN
ajis02-327	281	26	mail	mail	NOUN
ajis02-327	281	27	or	or	CCONJ
ajis02-327	281	28	the	the	DET
ajis02-327	281	29	telephone	telephone	NOUN
ajis02-327	281	30	)	)	PUNCT
ajis02-327	281	31	,	,	PUNCT
ajis02-327	281	32	and	and	CCONJ
ajis02-327	281	33	the	the	DET
ajis02-327	281	34	organisation	organisation	NOUN
ajis02-327	281	35	and	and	CCONJ
ajis02-327	281	36	system	system	NOUN
ajis02-327	281	37	structures	structure	NOUN
ajis02-327	281	38	have	have	AUX
ajis02-327	281	39	not	not	PART
ajis02-327	281	40	been	be	AUX
ajis02-327	281	41	developed	develop	VERB
ajis02-327	281	42	(	(	PUNCT
ajis02-327	281	43	die	die	VERB
ajis02-327	281	44	costs	cost	NOUN
ajis02-327	281	45	were	be	AUX
ajis02-327	281	46	seen	see	VERB
ajis02-327	281	47	as	as	ADP
ajis02-327	281	48	too	too	ADV
ajis02-327	281	49	high	high	ADJ
ajis02-327	281	50	due	due	ADJ
ajis02-327	281	51	to	to	ADP
ajis02-327	281	52	different	different	ADJ
ajis02-327	281	53	rating	rating	NOUN
ajis02-327	281	54	mechanisms	mechanism	NOUN
ajis02-327	281	55	and	and	CCONJ
ajis02-327	281	56	state	state	NOUN
ajis02-327	281	57	regulation	regulation	NOUN
ajis02-327	281	58	variables	variable	NOUN
ajis02-327	281	59	)	)	PUNCT
ajis02-327	281	60	.	.	PUNCT
ajis02-327	282	1	although	although	SCONJ
ajis02-327	282	2	such	such	ADJ
ajis02-327	282	3	impediments	impediment	NOUN
ajis02-327	282	4	to	to	PART
ajis02-327	282	5	price	price	NOUN
ajis02-327	282	6	competition	competition	NOUN
ajis02-327	282	7	exist	exist	VERB
ajis02-327	282	8	,	,	PUNCT
ajis02-327	282	9	die	die	VERB
ajis02-327	282	10	long	long	ADJ
ajis02-327	282	11	term	term	NOUN
ajis02-327	282	12	perspective	perspective	NOUN
ajis02-327	282	13	suggested	suggest	VERB
ajis02-327	282	14	that	that	SCONJ
ajis02-327	282	15	price	price	NOUN
ajis02-327	282	16	would	would	AUX
ajis02-327	282	17	have	have	VERB
ajis02-327	282	18	an	an	DET
ajis02-327	282	19	increased	increase	VERB
ajis02-327	282	20	35	35	NUM
ajis02-327	282	21	ajis	aji	NOUN
ajis02-327	282	22	special	special	PROPN
ajis02-327	282	23	edition	edition	NOUN
ajis02-327	282	24	electronic	electronic	PROPN
ajis02-327	282	25	commerce	commerce	PROPN
ajis02-327	282	26	november	november	PROPN
ajis02-327	282	27	1998	1998	NUM
ajis02-327	282	28	role	role	NOUN
ajis02-327	282	29	in	in	ADP
ajis02-327	282	30	product	product	NOUN
ajis02-327	282	31	selection	selection	NOUN
ajis02-327	282	32	,	,	PUNCT
ajis02-327	282	33	and	and	CCONJ
ajis02-327	282	34	that	that	SCONJ
ajis02-327	282	35	margins	margin	NOUN
ajis02-327	282	36	would	would	AUX
ajis02-327	282	37	decrease	decrease	VERB
ajis02-327	282	38	to	to	PART
ajis02-327	282	39	meet	meet	VERB
ajis02-327	282	40	increased	increase	VERB
ajis02-327	282	41	customer	customer	NOUN
ajis02-327	282	42	demands	demand	NOUN
ajis02-327	282	43	on	on	ADP
ajis02-327	282	44	price	price	NOUN
ajis02-327	282	45	,	,	PUNCT
ajis02-327	282	46	quality	quality	NOUN
ajis02-327	282	47	and	and	CCONJ
ajis02-327	282	48	service	service	NOUN
ajis02-327	282	49	.	.	PUNCT
ajis02-327	283	1	one	one	NUM
ajis02-327	283	2	proposed	propose	VERB
ajis02-327	283	3	effect	effect	NOUN
ajis02-327	283	4	of	of	ADP
ajis02-327	283	5	price	price	NOUN
ajis02-327	283	6	competition	competition	NOUN
ajis02-327	283	7	on	on	ADP
ajis02-327	283	8	the	the	DET
ajis02-327	283	9	industry	industry	NOUN
ajis02-327	283	10	would	would	AUX
ajis02-327	283	11	be	be	AUX
ajis02-327	283	12	increased	increase	VERB
ajis02-327	283	13	instability	instability	NOUN
ajis02-327	283	14	as	as	SCONJ
ajis02-327	283	15	premiums	premium	NOUN
ajis02-327	283	16	were	be	AUX
ajis02-327	283	17	lost	lose	VERB
ajis02-327	283	18	and	and	CCONJ
ajis02-327	283	19	carrier	carrier	NOUN
ajis02-327	283	20	adherence	adherence	NOUN
ajis02-327	283	21	to	to	ADP
ajis02-327	283	22	strict	strict	ADJ
ajis02-327	283	23	underwriting	underwriting	NOUN
ajis02-327	283	24	guidelines	guideline	NOUN
ajis02-327	283	25	was	be	AUX
ajis02-327	283	26	relaxed	relax	VERB
ajis02-327	283	27	.	.	PUNCT
ajis02-327	284	1	disintermediation	disintermediation	NOUN
ajis02-327	284	2	the	the	DET
ajis02-327	284	3	internet	internet	NOUN
ajis02-327	284	4	's	's	PART
ajis02-327	284	5	impact	impact	NOUN
ajis02-327	284	6	on	on	ADP
ajis02-327	284	7	market	market	NOUN
ajis02-327	284	8	intermediation	intermediation	NOUN
ajis02-327	284	9	and	and	CCONJ
ajis02-327	284	10	the	the	DET
ajis02-327	284	11	role	role	NOUN
ajis02-327	284	12	of	of	ADP
ajis02-327	284	13	agents	agent	NOUN
ajis02-327	284	14	in	in	ADP
ajis02-327	284	15	insurance	insurance	NOUN
ajis02-327	284	16	distribution	distribution	NOUN
ajis02-327	284	17	was	be	AUX
ajis02-327	284	18	seen	see	VERB
ajis02-327	284	19	by	by	ADP
ajis02-327	284	20	respondents	respondent	NOUN
ajis02-327	284	21	as	as	ADP
ajis02-327	284	22	a	a	DET
ajis02-327	284	23	significant	significant	ADJ
ajis02-327	284	24	business	business	NOUN
ajis02-327	284	25	issue	issue	NOUN
ajis02-327	284	26	.	.	PUNCT
ajis02-327	285	1	as	as	SCONJ
ajis02-327	285	2	the	the	DET
ajis02-327	285	3	internet	internet	NOUN
ajis02-327	285	4	's	's	PART
ajis02-327	285	5	ability	ability	NOUN
ajis02-327	285	6	to	to	PART
ajis02-327	285	7	fully	fully	ADV
ajis02-327	285	8	serve	serve	VERB
ajis02-327	285	9	as	as	ADP
ajis02-327	285	10	an	an	DET
ajis02-327	285	11	electronic	electronic	ADJ
ajis02-327	285	12	marketplace	marketplace	NOUN
ajis02-327	285	13	evolves	evolve	VERB
ajis02-327	285	14	,	,	PUNCT
ajis02-327	285	15	some	some	DET
ajis02-327	285	16	respondents	respondent	NOUN
ajis02-327	285	17	believed	believe	VERB
ajis02-327	285	18	that	that	SCONJ
ajis02-327	285	19	market	market	NOUN
ajis02-327	285	20	competition	competition	NOUN
ajis02-327	285	21	from	from	ADP
ajis02-327	285	22	other	other	ADJ
ajis02-327	285	23	financial	financial	ADJ
ajis02-327	285	24	and	and	CCONJ
ajis02-327	285	25	non	non	ADJ
ajis02-327	285	26	-	-	ADJ
ajis02-327	285	27	financial	financial	ADJ
ajis02-327	285	28	organisations	organisation	NOUN
ajis02-327	285	29	would	would	AUX
ajis02-327	285	30	increase	increase	VERB
ajis02-327	285	31	,	,	PUNCT
ajis02-327	285	32	that	that	PRON
ajis02-327	285	33	cost	cost	NOUN
ajis02-327	285	34	reductions	reduction	NOUN
ajis02-327	285	35	would	would	AUX
ajis02-327	285	36	be	be	AUX
ajis02-327	285	37	more	more	ADV
ajis02-327	285	38	aggressively	aggressively	ADV
ajis02-327	285	39	sought	seek	VERB
ajis02-327	285	40	,	,	PUNCT
ajis02-327	285	41	and	and	CCONJ
ajis02-327	285	42	that	that	SCONJ
ajis02-327	285	43	the	the	DET
ajis02-327	285	44	market	market	NOUN
ajis02-327	285	45	role	role	NOUN
ajis02-327	285	46	of	of	ADP
ajis02-327	285	47	the	the	DET
ajis02-327	285	48	independent	independent	ADJ
ajis02-327	285	49	insurance	insurance	NOUN
ajis02-327	285	50	agent	agent	NOUN
ajis02-327	285	51	would	would	AUX
ajis02-327	285	52	change	change	VERB
ajis02-327	285	53	.	.	PUNCT
ajis02-327	286	1	evidence	evidence	NOUN
ajis02-327	286	2	of	of	ADP
ajis02-327	286	3	the	the	DET
ajis02-327	286	4	four	four	NUM
ajis02-327	286	5	possible	possible	ADJ
ajis02-327	286	6	market	market	NOUN
ajis02-327	286	7	intermediation	intermediation	NOUN
ajis02-327	286	8	outcomes	outcome	NOUN
ajis02-327	286	9	(	(	PUNCT
ajis02-327	286	10	see	see	VERB
ajis02-327	286	11	figure	figure	NOUN
ajis02-327	286	12	3	3	NUM
ajis02-327	286	13	)	)	PUNCT
ajis02-327	286	14	proposed	propose	VERB
ajis02-327	286	15	by	by	ADP
ajis02-327	286	16	sarkar	sarkar	PROPN
ajis02-327	286	17	,	,	PUNCT
ajis02-327	286	18	butler	butler	NOUN
ajis02-327	286	19	and	and	CCONJ
ajis02-327	286	20	steinfield	steinfield	PROPN
ajis02-327	286	21	(	(	PUNCT
ajis02-327	286	22	1995	1995	NUM
ajis02-327	286	23	)	)	PUNCT
ajis02-327	286	24	is	be	AUX
ajis02-327	286	25	visible	visible	ADJ
ajis02-327	286	26	within	within	ADP
ajis02-327	286	27	the	the	DET
ajis02-327	286	28	insurance	insurance	NOUN
ajis02-327	286	29	industry	industry	NOUN
ajis02-327	286	30	.	.	PUNCT
ajis02-327	287	1	a	a	DET
ajis02-327	287	2	direct	direct	ADJ
ajis02-327	287	3	market	market	NOUN
ajis02-327	287	4	supported	support	VERB
ajis02-327	287	5	by	by	ADP
ajis02-327	287	6	an	an	DET
ajis02-327	287	7	electronic	electronic	ADJ
ajis02-327	287	8	marketplace	marketplace	NOUN
ajis02-327	287	9	has	have	AUX
ajis02-327	287	10	emerged	emerge	VERB
ajis02-327	287	11	with	with	ADP
ajis02-327	287	12	auto	auto	NOUN
ajis02-327	287	13	insurance	insurance	NOUN
ajis02-327	287	14	.	.	PUNCT
ajis02-327	288	1	it	it	PRON
ajis02-327	288	2	is	be	AUX
ajis02-327	288	3	believed	believe	VERB
ajis02-327	288	4	direct	direct	ADJ
ajis02-327	288	5	marketing	marketing	NOUN
ajis02-327	288	6	will	will	AUX
ajis02-327	288	7	have	have	VERB
ajis02-327	288	8	a	a	DET
ajis02-327	288	9	larger	large	ADJ
ajis02-327	288	10	role	role	NOUN
ajis02-327	288	11	with	with	ADP
ajis02-327	288	12	personal	personal	ADJ
ajis02-327	288	13	insurance	insurance	NOUN
ajis02-327	288	14	lines	line	NOUN
ajis02-327	288	15	in	in	ADP
ajis02-327	288	16	the	the	DET
ajis02-327	288	17	future	future	NOUN
ajis02-327	288	18	.	.	PUNCT
ajis02-327	289	1	the	the	DET
ajis02-327	289	2	growth	growth	NOUN
ajis02-327	289	3	of	of	ADP
ajis02-327	289	4	direct	direct	ADJ
ajis02-327	289	5	markets	market	NOUN
ajis02-327	289	6	through	through	ADP
ajis02-327	289	7	the	the	DET
ajis02-327	289	8	internet	internet	NOUN
ajis02-327	289	9	is	be	AUX
ajis02-327	289	10	considered	consider	VERB
ajis02-327	289	11	to	to	PART
ajis02-327	289	12	threaten	threaten	VERB
ajis02-327	289	13	current	current	ADJ
ajis02-327	289	14	intermediary	intermediary	ADJ
ajis02-327	289	15	structures	structure	NOUN
ajis02-327	289	16	.	.	PUNCT
ajis02-327	290	1	however	however	ADV
ajis02-327	290	2	,	,	PUNCT
ajis02-327	290	3	agency	agency	NOUN
ajis02-327	290	4	use	use	NOUN
ajis02-327	290	5	of	of	ADP
ajis02-327	290	6	the	the	DET
ajis02-327	290	7	internet	internet	NOUN
ajis02-327	290	8	to	to	PART
ajis02-327	290	9	supplement	supplement	VERB
ajis02-327	290	10	their	their	PRON
ajis02-327	290	11	business	business	NOUN
ajis02-327	290	12	practices	practice	NOUN
ajis02-327	290	13	(	(	PUNCT
ajis02-327	290	14	outcome	outcome	NOUN
ajis02-327	290	15	iv	iv	X
ajis02-327	290	16	)	)	PUNCT
ajis02-327	290	17	was	be	AUX
ajis02-327	290	18	seen	see	VERB
ajis02-327	290	19	as	as	ADP
ajis02-327	290	20	viable	viable	ADJ
ajis02-327	290	21	due	due	ADP
ajis02-327	290	22	to	to	ADP
ajis02-327	290	23	the	the	DET
ajis02-327	290	24	emergence	emergence	NOUN
ajis02-327	290	25	of	of	ADP
ajis02-327	290	26	business	business	NOUN
ajis02-327	290	27	plans	plan	NOUN
ajis02-327	290	28	and	and	CCONJ
ajis02-327	290	29	strategies	strategy	NOUN
ajis02-327	290	30	by	by	ADP
ajis02-327	290	31	insurance	insurance	NOUN
ajis02-327	290	32	agents	agent	NOUN
ajis02-327	290	33	to	to	PART
ajis02-327	290	34	create	create	VERB
ajis02-327	290	35	market	market	NOUN
ajis02-327	290	36	niches	niche	NOUN
ajis02-327	290	37	and	and	CCONJ
ajis02-327	290	38	continually	continually	ADV
ajis02-327	290	39	add	add	VERB
ajis02-327	290	40	value	value	NOUN
ajis02-327	290	41	to	to	ADP
ajis02-327	290	42	the	the	DET
ajis02-327	290	43	insurance	insurance	NOUN
ajis02-327	290	44	transaction	transaction	NOUN
ajis02-327	290	45	process	process	NOUN
ajis02-327	290	46	.	.	PUNCT
ajis02-327	291	1	this	this	PRON
ajis02-327	291	2	is	be	AUX
ajis02-327	291	3	especially	especially	ADV
ajis02-327	291	4	prevalent	prevalent	ADJ
ajis02-327	291	5	in	in	ADP
ajis02-327	291	6	commercial	commercial	ADJ
ajis02-327	291	7	lines	line	NOUN
ajis02-327	291	8	insurance	insurance	NOUN
ajis02-327	291	9	.	.	PUNCT
ajis02-327	292	1	an	an	DET
ajis02-327	292	2	interesting	interesting	ADJ
ajis02-327	292	3	area	area	NOUN
ajis02-327	292	4	to	to	PART
ajis02-327	292	5	observe	observe	VERB
ajis02-327	292	6	in	in	ADP
ajis02-327	292	7	the	the	DET
ajis02-327	292	8	future	future	NOUN
ajis02-327	292	9	is	be	AUX
ajis02-327	292	10	whether	whether	SCONJ
ajis02-327	292	11	cybermediaries	cybermediarie	NOUN
ajis02-327	292	12	will	will	AUX
ajis02-327	292	13	emerge	emerge	VERB
ajis02-327	292	14	on	on	ADP
ajis02-327	292	15	the	the	DET
ajis02-327	292	16	internet	internet	NOUN
ajis02-327	292	17	to	to	PART
ajis02-327	292	18	serve	serve	VERB
ajis02-327	292	19	the	the	DET
ajis02-327	292	20	interests	interest	NOUN
ajis02-327	292	21	of	of	ADP
ajis02-327	292	22	the	the	DET
ajis02-327	292	23	insurance	insurance	NOUN
ajis02-327	292	24	buying	buy	VERB
ajis02-327	292	25	public	public	NOUN
ajis02-327	292	26	.	.	PUNCT
ajis02-327	293	1	although	although	SCONJ
ajis02-327	293	2	industry	industry	NOUN
ajis02-327	293	3	trade	trade	NOUN
ajis02-327	293	4	press	press	NOUN
ajis02-327	293	5	and	and	CCONJ
ajis02-327	293	6	study	study	NOUN
ajis02-327	293	7	respondents	respondent	NOUN
ajis02-327	293	8	alluded	allude	VERB
ajis02-327	293	9	to	to	ADP
ajis02-327	293	10	the	the	DET
ajis02-327	293	11	development	development	NOUN
ajis02-327	293	12	of	of	ADP
ajis02-327	293	13	cybermediaries	cybermediarie	NOUN
ajis02-327	293	14	(	(	PUNCT
ajis02-327	293	15	for	for	ADP
ajis02-327	293	16	example	example	NOUN
ajis02-327	293	17	the	the	DET
ajis02-327	293	18	market	market	NOUN
ajis02-327	293	19	maker	maker	NOUN
ajis02-327	293	20	ins	in	VERB
ajis02-327	293	21	web	web	NOUN
ajis02-327	293	22	<	<	X
ajis02-327	293	23	www.insweb.com	www.insweb.com	X
ajis02-327	293	24	>	>	X
ajis02-327	293	25	)	)	PUNCT
ajis02-327	293	26	the	the	DET
ajis02-327	293	27	competitive	competitive	ADJ
ajis02-327	293	28	impact	impact	NOUN
ajis02-327	293	29	and	and	CCONJ
ajis02-327	293	30	influence	influence	NOUN
ajis02-327	293	31	of	of	ADP
ajis02-327	293	32	their	their	PRON
ajis02-327	293	33	activities	activity	NOUN
ajis02-327	293	34	to	to	ADP
ajis02-327	293	35	date	date	NOUN
ajis02-327	293	36	were	be	AUX
ajis02-327	293	37	seen	see	VERB
ajis02-327	293	38	as	as	ADP
ajis02-327	293	39	minimal	minimal	ADJ
ajis02-327	293	40	,	,	PUNCT
ajis02-327	293	41	and	and	CCONJ
ajis02-327	293	42	too	too	ADV
ajis02-327	293	43	early	early	ADJ
ajis02-327	293	44	to	to	PART
ajis02-327	293	45	anticipate	anticipate	VERB
ajis02-327	293	46	future	future	ADJ
ajis02-327	293	47	impact	impact	NOUN
ajis02-327	293	48	.	.	PUNCT
ajis02-327	294	1	with	with	ADP
ajis02-327	294	2	current	current	ADJ
ajis02-327	294	3	disintermediation	disintermediation	NOUN
ajis02-327	294	4	targeted	target	VERB
ajis02-327	294	5	towards	towards	ADP
ajis02-327	294	6	personal	personal	ADJ
ajis02-327	294	7	insurance	insurance	NOUN
ajis02-327	294	8	lines	line	NOUN
ajis02-327	294	9	,	,	PUNCT
ajis02-327	294	10	and	and	CCONJ
ajis02-327	294	11	possibly	possibly	ADV
ajis02-327	294	12	small	small	ADJ
ajis02-327	294	13	commercial	commercial	ADJ
ajis02-327	294	14	lines	line	NOUN
ajis02-327	294	15	,	,	PUNCT
ajis02-327	294	16	the	the	DET
ajis02-327	294	17	potential	potential	NOUN
ajis02-327	294	18	for	for	ADP
ajis02-327	294	19	adverse	adverse	ADJ
ajis02-327	294	20	selection	selection	NOUN
ajis02-327	294	21	in	in	ADP
ajis02-327	294	22	favour	favour	NOUN
ajis02-327	294	23	of	of	ADP
ajis02-327	294	24	organisations	organisation	NOUN
ajis02-327	294	25	aggressively	aggressively	ADV
ajis02-327	294	26	utilising	utilise	VERB
ajis02-327	294	27	the	the	DET
ajis02-327	294	28	internet	internet	NOUN
ajis02-327	294	29	was	be	AUX
ajis02-327	294	30	found	find	VERB
ajis02-327	294	31	to	to	PART
ajis02-327	294	32	increase	increase	VERB
ajis02-327	294	33	.	.	PUNCT
ajis02-327	295	1	some	some	DET
ajis02-327	295	2	carriers	carrier	NOUN
ajis02-327	295	3	and	and	CCONJ
ajis02-327	295	4	agents	agent	NOUN
ajis02-327	295	5	could	could	AUX
ajis02-327	295	6	potentially	potentially	ADV
ajis02-327	295	7	limit	limit	VERB
ajis02-327	295	8	their	their	PRON
ajis02-327	295	9	relationships	relationship	NOUN
ajis02-327	295	10	to	to	ADP
ajis02-327	295	11	organisations	organisation	NOUN
ajis02-327	295	12	using	use	VERB
ajis02-327	295	13	the	the	DET
ajis02-327	295	14	internet	internet	NOUN
ajis02-327	295	15	,	,	PUNCT
ajis02-327	295	16	and	and	CCONJ
ajis02-327	295	17	build	build	VERB
ajis02-327	295	18	relationships	relationship	NOUN
ajis02-327	295	19	from	from	ADP
ajis02-327	295	20	a	a	DET
ajis02-327	295	21	common	common	ADJ
ajis02-327	295	22	commitment	commitment	NOUN
ajis02-327	295	23	towards	towards	ADP
ajis02-327	295	24	integrating	integrate	VERB
ajis02-327	295	25	the	the	DET
ajis02-327	295	26	internet	internet	NOUN
ajis02-327	295	27	into	into	ADP
ajis02-327	295	28	their	their	PRON
ajis02-327	295	29	business	business	NOUN
ajis02-327	295	30	processes	process	NOUN
ajis02-327	295	31	.	.	PUNCT
ajis02-327	296	1	while	while	SCONJ
ajis02-327	296	2	some	some	DET
ajis02-327	296	3	respondents	respondent	NOUN
ajis02-327	296	4	believed	believe	VERB
ajis02-327	296	5	the	the	DET
ajis02-327	296	6	industry	industry	NOUN
ajis02-327	296	7	as	as	ADP
ajis02-327	296	8	a	a	DET
ajis02-327	296	9	whole	whole	NOUN
ajis02-327	296	10	could	could	AUX
ajis02-327	296	11	slow	slow	VERB
ajis02-327	296	12	insurance	insurance	NOUN
ajis02-327	296	13	migration	migration	NOUN
ajis02-327	296	14	on	on	ADP
ajis02-327	296	15	to	to	ADP
ajis02-327	296	16	the	the	DET
ajis02-327	296	17	internet	internet	NOUN
ajis02-327	296	18	,	,	PUNCT
ajis02-327	296	19	others	other	NOUN
ajis02-327	296	20	believed	believe	VERB
ajis02-327	296	21	service	service	NOUN
ajis02-327	296	22	providers	provider	NOUN
ajis02-327	296	23	from	from	ADP
ajis02-327	296	24	different	different	ADJ
ajis02-327	296	25	sectors	sector	NOUN
ajis02-327	296	26	and	and	CCONJ
ajis02-327	296	27	industries	industry	NOUN
ajis02-327	296	28	could	could	AUX
ajis02-327	296	29	enter	enter	VERB
ajis02-327	296	30	the	the	DET
ajis02-327	296	31	market	market	NOUN
ajis02-327	296	32	and	and	CCONJ
ajis02-327	296	33	compete	compete	VERB
ajis02-327	296	34	using	use	VERB
ajis02-327	296	35	internet	internet	NOUN
ajis02-327	296	36	technologies	technology	NOUN
ajis02-327	296	37	,	,	PUNCT
ajis02-327	296	38	negating	negate	VERB
ajis02-327	296	39	any	any	DET
ajis02-327	296	40	prolonged	prolonged	ADJ
ajis02-327	296	41	industry	industry	NOUN
ajis02-327	296	42	hesitation	hesitation	NOUN
ajis02-327	296	43	.	.	PUNCT
ajis02-327	297	1	thus	thus	ADV
ajis02-327	297	2	,	,	PUNCT
ajis02-327	297	3	rather	rather	ADV
ajis02-327	297	4	than	than	SCONJ
ajis02-327	297	5	impede	impede	VERB
ajis02-327	297	6	the	the	DET
ajis02-327	297	7	industry	industry	NOUN
ajis02-327	297	8	's	's	PART
ajis02-327	297	9	growth	growth	NOUN
ajis02-327	297	10	on	on	ADP
ajis02-327	297	11	the	the	DET
ajis02-327	297	12	internet	internet	NOUN
ajis02-327	297	13	,	,	PUNCT
ajis02-327	297	14	it	it	PRON
ajis02-327	297	15	was	be	AUX
ajis02-327	297	16	seen	see	VERB
ajis02-327	297	17	as	as	ADP
ajis02-327	297	18	being	be	AUX
ajis02-327	297	19	more	more	ADV
ajis02-327	297	20	viable	viable	ADJ
ajis02-327	297	21	to	to	PART
ajis02-327	297	22	work	work	VERB
ajis02-327	297	23	with	with	ADP
ajis02-327	297	24	agency	agency	NOUN
ajis02-327	297	25	system	system	NOUN
ajis02-327	297	26	members	member	NOUN
ajis02-327	297	27	(	(	PUNCT
ajis02-327	297	28	i.e.	i.e.	X
ajis02-327	297	29	,	,	PUNCT
ajis02-327	297	30	agents	agent	NOUN
ajis02-327	297	31	and	and	CCONJ
ajis02-327	297	32	vendors	vendor	NOUN
ajis02-327	297	33	)	)	PUNCT
ajis02-327	297	34	to	to	PART
ajis02-327	297	35	develop	develop	VERB
ajis02-327	297	36	the	the	DET
ajis02-327	297	37	technology	technology	NOUN
ajis02-327	297	38	and	and	CCONJ
ajis02-327	297	39	understanding	understanding	NOUN
ajis02-327	297	40	within	within	ADP
ajis02-327	297	41	the	the	DET
ajis02-327	297	42	window	window	NOUN
ajis02-327	297	43	of	of	ADP
ajis02-327	297	44	learning	learn	VERB
ajis02-327	297	45	that	that	PRON
ajis02-327	297	46	now	now	ADV
ajis02-327	297	47	exists	exist	VERB
ajis02-327	297	48	.	.	PUNCT
ajis02-327	298	1	another	another	DET
ajis02-327	298	2	aspect	aspect	NOUN
ajis02-327	298	3	of	of	ADP
ajis02-327	298	4	disintermediation	disintermediation	NOUN
ajis02-327	298	5	was	be	AUX
ajis02-327	298	6	the	the	DET
ajis02-327	298	7	manner	manner	NOUN
ajis02-327	298	8	in	in	ADP
ajis02-327	298	9	which	which	PRON
ajis02-327	298	10	non	non	ADJ
ajis02-327	298	11	-	-	ADJ
ajis02-327	298	12	internet	internet	ADJ
ajis02-327	298	13	related	relate	VERB
ajis02-327	298	14	issues	issue	NOUN
ajis02-327	298	15	influenced	influence	VERB
ajis02-327	298	16	the	the	DET
ajis02-327	298	17	use	use	NOUN
ajis02-327	298	18	of	of	ADP
ajis02-327	298	19	market	market	NOUN
ajis02-327	298	20	intermediaries	intermediary	NOUN
ajis02-327	298	21	.	.	PUNCT
ajis02-327	299	1	it	it	PRON
ajis02-327	299	2	was	be	AUX
ajis02-327	299	3	previously	previously	ADV
ajis02-327	299	4	noted	note	VERB
ajis02-327	299	5	that	that	SCONJ
ajis02-327	299	6	different	different	ADJ
ajis02-327	299	7	market	market	NOUN
ajis02-327	299	8	segments	segment	NOUN
ajis02-327	299	9	have	have	VERB
ajis02-327	299	10	different	different	ADJ
ajis02-327	299	11	buying	buying	NOUN
ajis02-327	299	12	attitudes	attitude	NOUN
ajis02-327	299	13	and	and	CCONJ
ajis02-327	299	14	preferences	preference	NOUN
ajis02-327	299	15	towards	towards	ADP
ajis02-327	299	16	product	product	NOUN
ajis02-327	299	17	quality	quality	NOUN
ajis02-327	299	18	,	,	PUNCT
ajis02-327	299	19	price	price	NOUN
ajis02-327	299	20	,	,	PUNCT
ajis02-327	299	21	service	service	NOUN
ajis02-327	299	22	,	,	PUNCT
ajis02-327	299	23	and	and	CCONJ
ajis02-327	299	24	other	other	ADJ
ajis02-327	299	25	product	product	NOUN
ajis02-327	299	26	attributes	attribute	VERB
ajis02-327	299	27	.	.	PUNCT
ajis02-327	300	1	overall	overall	ADV
ajis02-327	300	2	,	,	PUNCT
ajis02-327	300	3	respondents	respondent	NOUN
ajis02-327	300	4	noted	note	VERB
ajis02-327	300	5	that	that	SCONJ
ajis02-327	300	6	disintermediation	disintermediation	NOUN
ajis02-327	300	7	was	be	AUX
ajis02-327	300	8	already	already	ADV
ajis02-327	300	9	occurring	occur	VERB
ajis02-327	300	10	in	in	ADP
ajis02-327	300	11	certain	certain	ADJ
ajis02-327	300	12	markets	market	NOUN
ajis02-327	300	13	without	without	ADP
ajis02-327	300	14	the	the	DET
ajis02-327	300	15	internet	internet	NOUN
ajis02-327	300	16	through	through	ADP
ajis02-327	300	17	utilisation	utilisation	NOUN
ajis02-327	300	18	of	of	ADP
ajis02-327	300	19	directing	direct	VERB
ajis02-327	300	20	marketing	marketing	NOUN
ajis02-327	300	21	and	and	CCONJ
ajis02-327	300	22	toll	toll	NOUN
ajis02-327	300	23	-	-	PUNCT
ajis02-327	300	24	free	free	ADJ
ajis02-327	300	25	telephone	telephone	NOUN
ajis02-327	300	26	channels	channel	NOUN
ajis02-327	300	27	.	.	PUNCT
ajis02-327	301	1	the	the	DET
ajis02-327	301	2	internet	internet	NOUN
ajis02-327	301	3	was	be	AUX
ajis02-327	301	4	seen	see	VERB
ajis02-327	301	5	as	as	ADP
ajis02-327	301	6	a	a	DET
ajis02-327	301	7	new	new	ADJ
ajis02-327	301	8	alternative	alternative	NOUN
ajis02-327	301	9	to	to	ADP
ajis02-327	301	10	traditional	traditional	ADJ
ajis02-327	301	11	direct	direct	ADJ
ajis02-327	301	12	marketing	marketing	NOUN
ajis02-327	301	13	methods	method	NOUN
ajis02-327	301	14	.	.	PUNCT
ajis02-327	302	1	the	the	DET
ajis02-327	302	2	findings	finding	NOUN
ajis02-327	302	3	of	of	ADP
ajis02-327	302	4	the	the	DET
ajis02-327	302	5	study	study	NOUN
ajis02-327	302	6	suggest	suggest	VERB
ajis02-327	302	7	differences	difference	NOUN
ajis02-327	302	8	between	between	ADP
ajis02-327	302	9	traditional	traditional	ADJ
ajis02-327	302	10	direct	direct	ADJ
ajis02-327	302	11	marketing	marketing	NOUN
ajis02-327	302	12	opportunities	opportunity	NOUN
ajis02-327	302	13	and	and	CCONJ
ajis02-327	302	14	those	those	PRON
ajis02-327	302	15	emerging	emerge	VERB
ajis02-327	302	16	on	on	ADP
ajis02-327	302	17	the	the	DET
ajis02-327	302	18	internet	internet	NOUN
ajis02-327	302	19	.	.	PUNCT
ajis02-327	303	1	the	the	DET
ajis02-327	303	2	emerging	emerge	VERB
ajis02-327	303	3	opportunities	opportunity	NOUN
ajis02-327	303	4	represent	represent	VERB
ajis02-327	303	5	a	a	DET
ajis02-327	303	6	new	new	ADJ
ajis02-327	303	7	approach	approach	NOUN
ajis02-327	303	8	to	to	PART
ajis02-327	303	9	deliver	deliver	VERB
ajis02-327	303	10	insurance	insurance	NOUN
ajis02-327	303	11	services	service	NOUN
ajis02-327	303	12	to	to	ADP
ajis02-327	303	13	consumers	consumer	NOUN
ajis02-327	303	14	.	.	PUNCT
ajis02-327	304	1	thus	thus	ADV
ajis02-327	304	2	,	,	PUNCT
ajis02-327	304	3	disintermediation	disintermediation	NOUN
ajis02-327	304	4	has	have	AUX
ajis02-327	304	5	become	become	VERB
ajis02-327	304	6	an	an	DET
ajis02-327	304	7	increasingly	increasingly	ADV
ajis02-327	304	8	viable	viable	ADJ
ajis02-327	304	9	possibility	possibility	NOUN
ajis02-327	304	10	due	due	ADP
ajis02-327	304	11	to	to	ADP
ajis02-327	304	12	the	the	DET
ajis02-327	304	13	internet	internet	NOUN
ajis02-327	304	14	,	,	PUNCT
ajis02-327	304	15	but	but	CCONJ
ajis02-327	304	16	the	the	DET
ajis02-327	304	17	internet	internet	NOUN
ajis02-327	304	18	itself	itself	PRON
ajis02-327	304	19	will	will	AUX
ajis02-327	304	20	not	not	PART
ajis02-327	304	21	be	be	AUX
ajis02-327	304	22	the	the	DET
ajis02-327	304	23	sole	sole	ADJ
ajis02-327	304	24	force	force	NOUN
ajis02-327	304	25	pushing	push	VERB
ajis02-327	304	26	disintermediation	disintermediation	NOUN
ajis02-327	304	27	.	.	PUNCT
ajis02-327	305	1	therefore	therefore	ADV
ajis02-327	305	2	,	,	PUNCT
ajis02-327	305	3	agents	agent	NOUN
ajis02-327	305	4	need	need	VERB
ajis02-327	305	5	to	to	PART
ajis02-327	305	6	recognise	recognise	VERB
ajis02-327	305	7	changes	change	NOUN
ajis02-327	305	8	in	in	ADP
ajis02-327	305	9	market	market	NOUN
ajis02-327	305	10	demographics	demographic	NOUN
ajis02-327	305	11	and	and	CCONJ
ajis02-327	305	12	consumer	consumer	NOUN
ajis02-327	305	13	buying	buying	NOUN
ajis02-327	305	14	preferences	preference	NOUN
ajis02-327	305	15	to	to	PART
ajis02-327	305	16	continually	continually	ADV
ajis02-327	305	17	understand	understand	VERB
ajis02-327	305	18	how	how	SCONJ
ajis02-327	305	19	they	they	PRON
ajis02-327	305	20	can	can	AUX
ajis02-327	305	21	provide	provide	VERB
ajis02-327	305	22	added	add	VERB
ajis02-327	305	23	-	-	PUNCT
ajis02-327	305	24	value	value	NOUN
ajis02-327	305	25	services	service	NOUN
ajis02-327	305	26	on	on	ADP
ajis02-327	305	27	the	the	DET
ajis02-327	305	28	internet	internet	NOUN
ajis02-327	305	29	.	.	PUNCT
ajis02-327	306	1	overall	overall	ADV
ajis02-327	306	2	,	,	PUNCT
ajis02-327	306	3	the	the	DET
ajis02-327	306	4	independent	independent	ADJ
ajis02-327	306	5	agency	agency	NOUN
ajis02-327	306	6	system	system	NOUN
ajis02-327	306	7	's	's	PART
ajis02-327	306	8	future	future	NOUN
ajis02-327	306	9	was	be	AUX
ajis02-327	306	10	not	not	PART
ajis02-327	306	11	seen	see	VERB
ajis02-327	306	12	as	as	ADP
ajis02-327	306	13	dire	dire	ADJ
ajis02-327	306	14	,	,	PUNCT
ajis02-327	306	15	rather	rather	ADV
ajis02-327	306	16	it	it	PRON
ajis02-327	306	17	was	be	AUX
ajis02-327	306	18	suggested	suggest	VERB
ajis02-327	306	19	the	the	DET
ajis02-327	306	20	system	system	NOUN
ajis02-327	306	21	would	would	AUX
ajis02-327	306	22	merely	merely	ADV
ajis02-327	306	23	change	change	VERB
ajis02-327	306	24	and	and	CCONJ
ajis02-327	306	25	adapt	adapt	VERB
ajis02-327	306	26	to	to	ADP
ajis02-327	306	27	new	new	ADJ
ajis02-327	306	28	market	market	NOUN
ajis02-327	306	29	demands	demand	NOUN
ajis02-327	306	30	.	.	PUNCT
ajis02-327	307	1	the	the	DET
ajis02-327	307	2	analogy	analogy	NOUN
ajis02-327	307	3	of	of	ADP
ajis02-327	307	4	the	the	DET
ajis02-327	307	5	agency	agency	NOUN
ajis02-327	307	6	system	system	NOUN
ajis02-327	307	7	to	to	ADP
ajis02-327	307	8	a	a	DET
ajis02-327	307	9	triad	triad	NOUN
ajis02-327	307	10	in	in	ADP
ajis02-327	307	11	which	which	PRON
ajis02-327	307	12	insured	insure	VERB
ajis02-327	307	13	,	,	PUNCT
ajis02-327	307	14	agents	agent	NOUN
ajis02-327	307	15	,	,	PUNCT
ajis02-327	307	16	and	and	CCONJ
ajis02-327	307	17	carriers	carrier	NOUN
ajis02-327	307	18	represented	represent	VERB
ajis02-327	307	19	the	the	DET
ajis02-327	307	20	three	three	NUM
ajis02-327	307	21	points	point	NOUN
ajis02-327	307	22	emerged	emerge	VERB
ajis02-327	307	23	as	as	ADP
ajis02-327	307	24	an	an	DET
ajis02-327	307	25	interesting	interesting	ADJ
ajis02-327	307	26	concept	concept	NOUN
ajis02-327	307	27	.	.	PUNCT
ajis02-327	308	1	with	with	ADP
ajis02-327	308	2	the	the	DET
ajis02-327	308	3	emergence	emergence	NOUN
ajis02-327	308	4	of	of	ADP
ajis02-327	308	5	the	the	DET
ajis02-327	308	6	internet	internet	NOUN
ajis02-327	308	7	,	,	PUNCT
ajis02-327	308	8	information	information	NOUN
ajis02-327	308	9	flow	flow	NOUN
ajis02-327	308	10	in	in	ADP
ajis02-327	308	11	the	the	DET
ajis02-327	308	12	triad	triad	NOUN
ajis02-327	308	13	is	be	AUX
ajis02-327	308	14	multilateral	multilateral	ADJ
ajis02-327	308	15	and	and	CCONJ
ajis02-327	308	16	flows	flow	NOUN
ajis02-327	308	17	in	in	ADP
ajis02-327	308	18	different	different	ADJ
ajis02-327	308	19	directions	direction	NOUN
ajis02-327	308	20	determined	determine	VERB
ajis02-327	308	21	by	by	ADP
ajis02-327	308	22	information	information	NOUN
ajis02-327	308	23	requirements	requirement	NOUN
ajis02-327	308	24	.	.	PUNCT
ajis02-327	309	1	triad	triad	VERB
ajis02-327	309	2	members	member	NOUN
ajis02-327	309	3	exist	exist	VERB
ajis02-327	309	4	to	to	PART
ajis02-327	309	5	complete	complete	VERB
ajis02-327	309	6	the	the	DET
ajis02-327	309	7	insurance	insurance	NOUN
ajis02-327	309	8	transaction	transaction	NOUN
ajis02-327	309	9	,	,	PUNCT
ajis02-327	309	10	with	with	ADP
ajis02-327	309	11	their	their	PRON
ajis02-327	309	12	position	position	NOUN
ajis02-327	309	13	in	in	ADP
ajis02-327	309	14	the	the	DET
ajis02-327	309	15	triad	triad	NOUN
ajis02-327	309	16	determined	determine	VERB
ajis02-327	309	17	by	by	ADP
ajis02-327	309	18	the	the	DET
ajis02-327	309	19	market	market	NOUN
ajis02-327	309	20	value	value	NOUN
ajis02-327	309	21	provided	provide	VERB
ajis02-327	309	22	and	and	CCONJ
ajis02-327	309	23	their	their	PRON
ajis02-327	309	24	individual	individual	ADJ
ajis02-327	309	25	business	business	NOUN
ajis02-327	309	26	objectives	objective	NOUN
ajis02-327	309	27	.	.	PUNCT
ajis02-327	310	1	a	a	DET
ajis02-327	310	2	networked	networked	ADJ
ajis02-327	310	3	environment	environment	NOUN
ajis02-327	310	4	of	of	ADP
ajis02-327	310	5	the	the	DET
ajis02-327	310	6	triad	triad	NOUN
ajis02-327	310	7	was	be	AUX
ajis02-327	310	8	found	find	VERB
ajis02-327	310	9	to	to	PART
ajis02-327	310	10	facilitate	facilitate	VERB
ajis02-327	310	11	information	information	NOUN
ajis02-327	310	12	exchange	exchange	NOUN
ajis02-327	310	13	and	and	CCONJ
ajis02-327	310	14	seamless	seamless	ADJ
ajis02-327	310	15	integration	integration	NOUN
ajis02-327	310	16	.	.	PUNCT
ajis02-327	311	1	mergers	merger	NOUN
ajis02-327	311	2	and	and	CCONJ
ajis02-327	311	3	strategic	strategic	ADJ
ajis02-327	311	4	alliances	alliance	NOUN
ajis02-327	311	5	the	the	DET
ajis02-327	311	6	kiosk	kiosk	ADJ
ajis02-327	311	7	analogy	analogy	NOUN
ajis02-327	311	8	to	to	ADP
ajis02-327	311	9	atm	atm	PROPN
ajis02-327	311	10	networks	network	NOUN
ajis02-327	311	11	that	that	PRON
ajis02-327	311	12	emerged	emerge	VERB
ajis02-327	311	13	during	during	ADP
ajis02-327	311	14	the	the	DET
ajis02-327	311	15	study	study	NOUN
ajis02-327	311	16	also	also	ADV
ajis02-327	311	17	serves	serve	VERB
ajis02-327	311	18	the	the	DET
ajis02-327	311	19	purpose	purpose	NOUN
ajis02-327	311	20	of	of	ADP
ajis02-327	311	21	illustrating	illustrate	VERB
ajis02-327	311	22	opportunities	opportunity	NOUN
ajis02-327	311	23	for	for	ADP
ajis02-327	311	24	mergers	merger	NOUN
ajis02-327	311	25	,	,	PUNCT
ajis02-327	311	26	strategic	strategic	ADJ
ajis02-327	311	27	partnerships	partnership	NOUN
ajis02-327	311	28	,	,	PUNCT
ajis02-327	311	29	and	and	CCONJ
ajis02-327	311	30	new	new	ADJ
ajis02-327	311	31	market	market	NOUN
ajis02-327	311	32	entrants	entrant	NOUN
ajis02-327	311	33	to	to	PART
ajis02-327	311	34	offer	offer	VERB
ajis02-327	311	35	insurance	insurance	NOUN
ajis02-327	311	36	products	product	NOUN
ajis02-327	311	37	on	on	ADP
ajis02-327	311	38	the	the	DET
ajis02-327	311	39	internet	internet	NOUN
ajis02-327	311	40	.	.	PUNCT
ajis02-327	312	1	some	some	DET
ajis02-327	312	2	respondents	respondent	NOUN
ajis02-327	312	3	recognised	recognise	VERB
ajis02-327	312	4	the	the	DET
ajis02-327	312	5	ability	ability	NOUN
ajis02-327	312	6	for	for	ADP
ajis02-327	312	7	a	a	DET
ajis02-327	312	8	large	large	ADJ
ajis02-327	312	9	retail	retail	ADJ
ajis02-327	312	10	organisation	organisation	NOUN
ajis02-327	312	11	(	(	PUNCT
ajis02-327	312	12	such	such	ADJ
ajis02-327	312	13	as	as	ADP
ajis02-327	312	14	a	a	DET
ajis02-327	312	15	bank	bank	NOUN
ajis02-327	312	16	)	)	PUNCT
ajis02-327	312	17	with	with	ADP
ajis02-327	312	18	an	an	DET
ajis02-327	312	19	established	establish	VERB
ajis02-327	312	20	internet	internet	NOUN
ajis02-327	312	21	presence	presence	NOUN
ajis02-327	312	22	to	to	PART
ajis02-327	312	23	include	include	VERB
ajis02-327	312	24	insurance	insurance	NOUN
ajis02-327	312	25	products	product	NOUN
ajis02-327	312	26	in	in	ADP
ajis02-327	312	27	its	its	PRON
ajis02-327	312	28	on	on	ADP
ajis02-327	312	29	-	-	PUNCT
ajis02-327	312	30	line	line	NOUN
ajis02-327	312	31	product	product	NOUN
ajis02-327	312	32	portfolio	portfolio	NOUN
ajis02-327	312	33	.	.	PUNCT
ajis02-327	313	1	with	with	ADP
ajis02-327	313	2	the	the	DET
ajis02-327	313	3	internet	internet	NOUN
ajis02-327	313	4	it	it	PRON
ajis02-327	313	5	would	would	AUX
ajis02-327	313	6	not	not	PART
ajis02-327	313	7	matter	matter	VERB
ajis02-327	313	8	whether	whether	SCONJ
ajis02-327	313	9	the	the	DET
ajis02-327	313	10	insurance	insurance	NOUN
ajis02-327	313	11	products	product	NOUN
ajis02-327	313	12	originated	originate	VERB
ajis02-327	313	13	within	within	ADP
ajis02-327	313	14	a	a	DET
ajis02-327	313	15	business	business	NOUN
ajis02-327	313	16	unit	unit	NOUN
ajis02-327	313	17	or	or	CCONJ
ajis02-327	313	18	from	from	ADP
ajis02-327	313	19	a	a	DET
ajis02-327	313	20	strategic	strategic	ADJ
ajis02-327	313	21	partner	partner	NOUN
ajis02-327	313	22	due	due	ADP
ajis02-327	313	23	to	to	ADP
ajis02-327	313	24	the	the	DET
ajis02-327	313	25	internet	internet	NOUN
ajis02-327	313	26	's	's	PART
ajis02-327	313	27	ability	ability	NOUN
ajis02-327	313	28	to	to	PART
ajis02-327	313	29	seamlessly	seamlessly	ADV
ajis02-327	313	30	integrate	integrate	VERB
ajis02-327	313	31	products	product	NOUN
ajis02-327	313	32	and	and	CCONJ
ajis02-327	313	33	services	service	NOUN
ajis02-327	313	34	using	use	VERB
ajis02-327	313	35	hyperlinks	hyperlink	NOUN
ajis02-327	313	36	and	and	CCONJ
ajis02-327	313	37	multimedia	multimedia	NOUN
ajis02-327	313	38	.	.	PUNCT
ajis02-327	314	1	again	again	ADV
ajis02-327	314	2	the	the	DET
ajis02-327	314	3	concept	concept	NOUN
ajis02-327	314	4	of	of	ADP
ajis02-327	314	5	a	a	DET
ajis02-327	314	6	market	market	NOUN
ajis02-327	314	7	maker	maker	NOUN
ajis02-327	314	8	emerged	emerge	VERB
ajis02-327	314	9	,	,	PUNCT
ajis02-327	314	10	but	but	CCONJ
ajis02-327	314	11	was	be	AUX
ajis02-327	314	12	tailored	tailor	VERB
ajis02-327	314	13	to	to	ADP
ajis02-327	314	14	joint	joint	ADJ
ajis02-327	314	15	efforts	effort	NOUN
ajis02-327	314	16	of	of	ADP
ajis02-327	314	17	multiple	multiple	ADJ
ajis02-327	314	18	organisations	organisation	NOUN
ajis02-327	314	19	to	to	PART
ajis02-327	314	20	create	create	VERB
ajis02-327	314	21	the	the	DET
ajis02-327	314	22	basis	basis	NOUN
ajis02-327	314	23	36	36	NUM
ajis02-327	314	24	ajis	ajis	NOUN
ajis02-327	314	25	special	special	PROPN
ajis02-327	314	26	edition	edition	PROPN
ajis02-327	314	27	electronic	electronic	PROPN
ajis02-327	314	28	commerce	commerce	PROPN
ajis02-327	314	29	november	november	PROPN
ajis02-327	314	30	1998	1998	NUM
ajis02-327	314	31	for	for	ADP
ajis02-327	314	32	an	an	DET
ajis02-327	314	33	on	on	ADP
ajis02-327	314	34	-	-	PUNCT
ajis02-327	314	35	line	line	NOUN
ajis02-327	314	36	market	market	NOUN
ajis02-327	314	37	maker	maker	NOUN
ajis02-327	314	38	.	.	PUNCT
ajis02-327	315	1	such	such	DET
ajis02-327	315	2	an	an	DET
ajis02-327	315	3	initiative	initiative	NOUN
ajis02-327	315	4	was	be	AUX
ajis02-327	315	5	mentioned	mention	VERB
ajis02-327	315	6	to	to	PART
ajis02-327	315	7	potentially	potentially	ADV
ajis02-327	315	8	include	include	VERB
ajis02-327	315	9	a	a	DET
ajis02-327	315	10	technology	technology	NOUN
ajis02-327	315	11	provider	provider	NOUN
ajis02-327	315	12	,	,	PUNCT
ajis02-327	315	13	product	product	NOUN
ajis02-327	315	14	suppliers	supplier	NOUN
ajis02-327	315	15	)	)	PUNCT
ajis02-327	315	16	,	,	PUNCT
ajis02-327	315	17	and	and	CCONJ
ajis02-327	315	18	unbiased	unbiased	ADJ
ajis02-327	315	19	third	third	ADJ
ajis02-327	315	20	party	party	NOUN
ajis02-327	315	21	evaluators	evaluator	NOUN
ajis02-327	315	22	.	.	PUNCT
ajis02-327	316	1	state	state	NOUN
ajis02-327	316	2	insurance	insurance	NOUN
ajis02-327	316	3	regulation	regulation	NOUN
ajis02-327	316	4	insurance	insurance	NOUN
ajis02-327	316	5	regulation	regulation	NOUN
ajis02-327	316	6	was	be	AUX
ajis02-327	316	7	determined	determine	VERB
ajis02-327	316	8	to	to	PART
ajis02-327	316	9	have	have	VERB
ajis02-327	316	10	a	a	DET
ajis02-327	316	11	profound	profound	ADJ
ajis02-327	316	12	impact	impact	NOUN
ajis02-327	316	13	on	on	ADP
ajis02-327	316	14	how	how	SCONJ
ajis02-327	316	15	the	the	DET
ajis02-327	316	16	insurance	insurance	NOUN
ajis02-327	316	17	industry	industry	NOUN
ajis02-327	316	18	participates	participate	VERB
ajis02-327	316	19	on	on	ADP
ajis02-327	316	20	the	the	DET
ajis02-327	316	21	internet	internet	NOUN
ajis02-327	316	22	.	.	PUNCT
ajis02-327	317	1	although	although	SCONJ
ajis02-327	317	2	the	the	DET
ajis02-327	317	3	united	united	PROPN
ajis02-327	317	4	states	states	PROPN
ajis02-327	317	5	federal	federal	ADJ
ajis02-327	317	6	government	government	NOUN
ajis02-327	317	7	has	have	AUX
ajis02-327	317	8	endorsed	endorse	VERB
ajis02-327	317	9	national	national	ADJ
ajis02-327	317	10	commerce	commerce	NOUN
ajis02-327	317	11	on	on	ADP
ajis02-327	317	12	the	the	DET
ajis02-327	317	13	internet	internet	NOUN
ajis02-327	317	14	,	,	PUNCT
ajis02-327	317	15	insurance	insurance	NOUN
ajis02-327	317	16	remains	remain	VERB
ajis02-327	317	17	under	under	ADP
ajis02-327	317	18	the	the	DET
ajis02-327	317	19	legislative	legislative	ADJ
ajis02-327	317	20	control	control	NOUN
ajis02-327	317	21	of	of	ADP
ajis02-327	317	22	state	state	NOUN
ajis02-327	317	23	legislatures	legislature	NOUN
ajis02-327	317	24	and	and	CCONJ
ajis02-327	317	25	the	the	DET
ajis02-327	317	26	regulatory	regulatory	ADJ
ajis02-327	317	27	control	control	NOUN
ajis02-327	317	28	of	of	ADP
ajis02-327	317	29	state	state	NOUN
ajis02-327	317	30	insurance	insurance	NOUN
ajis02-327	317	31	commissioners	commissioner	NOUN
ajis02-327	317	32	,	,	PUNCT
ajis02-327	317	33	resulting	result	VERB
ajis02-327	317	34	in	in	ADP
ajis02-327	317	35	laws	law	NOUN
ajis02-327	317	36	and	and	CCONJ
ajis02-327	317	37	regulations	regulation	NOUN
ajis02-327	317	38	differing	differ	VERB
ajis02-327	317	39	from	from	ADP
ajis02-327	317	40	state	state	NOUN
ajis02-327	317	41	to	to	ADP
ajis02-327	317	42	state	state	NOUN
ajis02-327	317	43	.	.	PUNCT
ajis02-327	318	1	thus	thus	ADV
ajis02-327	318	2	,	,	PUNCT
ajis02-327	318	3	a	a	DET
ajis02-327	318	4	potential	potential	ADJ
ajis02-327	318	5	area	area	NOUN
ajis02-327	318	6	for	for	ADP
ajis02-327	318	7	conflict	conflict	NOUN
ajis02-327	318	8	of	of	ADP
ajis02-327	318	9	interest	interest	NOUN
ajis02-327	318	10	has	have	AUX
ajis02-327	318	11	emerged	emerge	VERB
ajis02-327	318	12	in	in	ADP
ajis02-327	318	13	which	which	PRON
ajis02-327	318	14	although	although	SCONJ
ajis02-327	318	15	insurance	insurance	NOUN
ajis02-327	318	16	is	be	AUX
ajis02-327	318	17	individually	individually	ADV
ajis02-327	318	18	regulated	regulate	VERB
ajis02-327	318	19	by	by	ADP
ajis02-327	318	20	each	each	DET
ajis02-327	318	21	state	state	NOUN
ajis02-327	318	22	,	,	PUNCT
ajis02-327	318	23	the	the	DET
ajis02-327	318	24	internet	internet	NOUN
ajis02-327	318	25	serves	serve	VERB
ajis02-327	318	26	a	a	DET
ajis02-327	318	27	national	national	ADJ
ajis02-327	318	28	and	and	CCONJ
ajis02-327	318	29	international	international	ADJ
ajis02-327	318	30	consumer	consumer	NOUN
ajis02-327	318	31	market	market	NOUN
ajis02-327	318	32	.	.	PUNCT
ajis02-327	319	1	while	while	SCONJ
ajis02-327	319	2	the	the	DET
ajis02-327	319	3	legislative	legislative	ADJ
ajis02-327	319	4	and	and	CCONJ
ajis02-327	319	5	regulatory	regulatory	ADJ
ajis02-327	319	6	issues	issue	NOUN
ajis02-327	319	7	regarding	regard	VERB
ajis02-327	319	8	insurance	insurance	NOUN
ajis02-327	319	9	and	and	CCONJ
ajis02-327	319	10	the	the	DET
ajis02-327	319	11	internet	internet	NOUN
ajis02-327	319	12	are	be	AUX
ajis02-327	319	13	not	not	PART
ajis02-327	319	14	in	in	ADP
ajis02-327	319	15	the	the	DET
ajis02-327	319	16	scope	scope	NOUN
ajis02-327	319	17	of	of	ADP
ajis02-327	319	18	this	this	DET
ajis02-327	319	19	study	study	NOUN
ajis02-327	319	20	,	,	PUNCT
ajis02-327	319	21	it	it	PRON
ajis02-327	319	22	is	be	AUX
ajis02-327	319	23	essential	essential	ADJ
ajis02-327	319	24	to	to	PART
ajis02-327	319	25	note	note	VERB
ajis02-327	319	26	the	the	DET
ajis02-327	319	27	conflict	conflict	NOUN
ajis02-327	319	28	of	of	ADP
ajis02-327	319	29	interests	interest	NOUN
ajis02-327	319	30	,	,	PUNCT
ajis02-327	319	31	and	and	CCONJ
ajis02-327	319	32	the	the	DET
ajis02-327	319	33	task	task	NOUN
ajis02-327	319	34	facing	face	VERB
ajis02-327	319	35	insurance	insurance	NOUN
ajis02-327	319	36	regulators	regulator	NOUN
ajis02-327	319	37	and	and	CCONJ
ajis02-327	319	38	the	the	DET
ajis02-327	319	39	insurance	insurance	NOUN
ajis02-327	319	40	industry	industry	NOUN
ajis02-327	319	41	to	to	PART
ajis02-327	319	42	resolve	resolve	VERB
ajis02-327	319	43	interstate	interstate	ADJ
ajis02-327	319	44	and	and	CCONJ
ajis02-327	319	45	international	international	ADJ
ajis02-327	319	46	electronic	electronic	ADJ
ajis02-327	319	47	commerce	commerce	NOUN
ajis02-327	319	48	issues	issue	NOUN
ajis02-327	319	49	.	.	PUNCT
ajis02-327	320	1	conclusion	conclusion	VERB
ajis02-327	320	2	the	the	DET
ajis02-327	320	3	interviews	interview	NOUN
ajis02-327	320	4	revealed	reveal	VERB
ajis02-327	320	5	how	how	SCONJ
ajis02-327	320	6	market	market	NOUN
ajis02-327	320	7	relationships	relationship	NOUN
ajis02-327	320	8	,	,	PUNCT
ajis02-327	320	9	transaction	transaction	NOUN
ajis02-327	320	10	paths	path	NOUN
ajis02-327	320	11	and	and	CCONJ
ajis02-327	320	12	switching	switch	VERB
ajis02-327	320	13	ability	ability	NOUN
ajis02-327	320	14	would	would	AUX
ajis02-327	320	15	be	be	AUX
ajis02-327	320	16	affected	affect	VERB
ajis02-327	320	17	by	by	ADP
ajis02-327	320	18	the	the	DET
ajis02-327	320	19	internet	internet	NOUN
ajis02-327	320	20	.	.	PUNCT
ajis02-327	321	1	the	the	DET
ajis02-327	321	2	internet	internet	NOUN
ajis02-327	321	3	was	be	AUX
ajis02-327	321	4	widely	widely	ADV
ajis02-327	321	5	seen	see	VERB
ajis02-327	321	6	to	to	PART
ajis02-327	321	7	be	be	AUX
ajis02-327	321	8	organisationally	organisationally	ADV
ajis02-327	321	9	and	and	CCONJ
ajis02-327	321	10	market	market	NOUN
ajis02-327	321	11	neutral	neutral	ADJ
ajis02-327	321	12	,	,	PUNCT
ajis02-327	321	13	with	with	ADP
ajis02-327	321	14	market	market	NOUN
ajis02-327	321	15	forces	force	NOUN
ajis02-327	321	16	dictating	dictate	VERB
ajis02-327	321	17	the	the	DET
ajis02-327	321	18	structure	structure	NOUN
ajis02-327	321	19	of	of	ADP
ajis02-327	321	20	the	the	DET
ajis02-327	321	21	independent	independent	ADJ
ajis02-327	321	22	insurance	insurance	NOUN
ajis02-327	321	23	agency	agency	NOUN
ajis02-327	321	24	system	system	NOUN
ajis02-327	321	25	on	on	ADP
ajis02-327	321	26	the	the	DET
ajis02-327	321	27	internet	internet	NOUN
ajis02-327	321	28	.	.	PUNCT
ajis02-327	322	1	some	some	DET
ajis02-327	322	2	important	important	ADJ
ajis02-327	322	3	business	business	NOUN
ajis02-327	322	4	issues	issue	NOUN
ajis02-327	322	5	emerged	emerge	VERB
ajis02-327	322	6	regarding	regard	VERB
ajis02-327	322	7	how	how	SCONJ
ajis02-327	322	8	electronic	electronic	ADJ
ajis02-327	322	9	market	market	NOUN
ajis02-327	322	10	characteristics	characteristic	NOUN
ajis02-327	322	11	influence	influence	VERB
ajis02-327	322	12	the	the	DET
ajis02-327	322	13	entrance	entrance	NOUN
ajis02-327	322	14	of	of	ADP
ajis02-327	322	15	the	the	DET
ajis02-327	322	16	independent	independent	ADJ
ajis02-327	322	17	insurance	insurance	NOUN
ajis02-327	322	18	agency	agency	NOUN
ajis02-327	322	19	system	system	NOUN
ajis02-327	322	20	onto	onto	ADP
ajis02-327	322	21	the	the	DET
ajis02-327	322	22	internet	internet	NOUN
ajis02-327	322	23	.	.	PUNCT
ajis02-327	323	1	with	with	ADP
ajis02-327	323	2	the	the	DET
ajis02-327	323	3	wide	wide	ADJ
ajis02-327	323	4	availability	availability	NOUN
ajis02-327	323	5	of	of	ADP
ajis02-327	323	6	information	information	NOUN
ajis02-327	323	7	resources	resource	NOUN
ajis02-327	323	8	and	and	CCONJ
ajis02-327	323	9	the	the	DET
ajis02-327	323	10	emerging	emerge	VERB
ajis02-327	323	11	availability	availability	NOUN
ajis02-327	323	12	of	of	ADP
ajis02-327	323	13	price	price	NOUN
ajis02-327	323	14	comparison	comparison	NOUN
ajis02-327	323	15	,	,	PUNCT
ajis02-327	323	16	the	the	DET
ajis02-327	323	17	respondents	respondent	NOUN
ajis02-327	323	18	provided	provide	VERB
ajis02-327	323	19	insight	insight	NOUN
ajis02-327	323	20	into	into	ADP
ajis02-327	323	21	strategic	strategic	ADJ
ajis02-327	323	22	and	and	CCONJ
ajis02-327	323	23	operational	operational	ADJ
ajis02-327	323	24	issues	issue	NOUN
ajis02-327	323	25	that	that	PRON
ajis02-327	323	26	need	need	VERB
ajis02-327	323	27	to	to	PART
ajis02-327	323	28	be	be	AUX
ajis02-327	323	29	addressed	address	VERB
ajis02-327	323	30	.	.	PUNCT
ajis02-327	324	1	while	while	SCONJ
ajis02-327	324	2	the	the	DET
ajis02-327	324	3	time	time	NOUN
ajis02-327	324	4	frame	frame	NOUN
ajis02-327	324	5	for	for	ADP
ajis02-327	324	6	carriers	carrier	NOUN
ajis02-327	324	7	and	and	CCONJ
ajis02-327	324	8	agents	agent	NOUN
ajis02-327	324	9	to	to	PART
ajis02-327	324	10	fully	fully	ADV
ajis02-327	324	11	integrate	integrate	VERB
ajis02-327	324	12	the	the	DET
ajis02-327	324	13	internet	internet	NOUN
ajis02-327	324	14	and	and	CCONJ
ajis02-327	324	15	related	related	ADJ
ajis02-327	324	16	technologies	technology	NOUN
ajis02-327	324	17	is	be	AUX
ajis02-327	324	18	uncertain	uncertain	ADJ
ajis02-327	324	19	,	,	PUNCT
ajis02-327	324	20	the	the	DET
ajis02-327	324	21	strategic	strategic	ADJ
ajis02-327	324	22	and	and	CCONJ
ajis02-327	324	23	business	business	NOUN
ajis02-327	324	24	issues	issue	NOUN
ajis02-327	324	25	need	need	VERB
ajis02-327	324	26	further	further	ADJ
ajis02-327	324	27	consideration	consideration	NOUN
ajis02-327	324	28	and	and	CCONJ
ajis02-327	324	29	analysis	analysis	NOUN
ajis02-327	324	30	to	to	PART
ajis02-327	324	31	help	help	VERB
ajis02-327	324	32	facilitate	facilitate	VERB
ajis02-327	324	33	the	the	DET
ajis02-327	324	34	system	system	NOUN
ajis02-327	324	35	's	's	PART
ajis02-327	324	36	transition	transition	NOUN
ajis02-327	324	37	towards	towards	ADP
ajis02-327	324	38	electronic	electronic	ADJ
ajis02-327	324	39	commerce	commerce	NOUN
ajis02-327	324	40	.	.	PUNCT
ajis02-327	325	1	economics	economic	NOUN
ajis02-327	325	2	of	of	ADP
ajis02-327	325	3	market	market	NOUN
ajis02-327	325	4	participation	participation	NOUN
ajis02-327	325	5	benefits	benefit	NOUN
ajis02-327	325	6	of	of	ADP
ajis02-327	325	7	participation	participation	NOUN
ajis02-327	325	8	the	the	DET
ajis02-327	325	9	immediate	immediate	ADJ
ajis02-327	325	10	benefits	benefit	NOUN
ajis02-327	325	11	for	for	ADP
ajis02-327	325	12	agencies	agency	NOUN
ajis02-327	325	13	of	of	ADP
ajis02-327	325	14	participating	participate	VERB
ajis02-327	325	15	on	on	ADP
ajis02-327	325	16	the	the	DET
ajis02-327	325	17	internet	internet	NOUN
ajis02-327	325	18	were	be	AUX
ajis02-327	325	19	found	find	VERB
ajis02-327	325	20	to	to	PART
ajis02-327	325	21	be	be	AUX
ajis02-327	325	22	mostly	mostly	ADV
ajis02-327	325	23	based	base	VERB
ajis02-327	325	24	on	on	ADP
ajis02-327	325	25	subjective	subjective	ADJ
ajis02-327	325	26	rather	rather	ADV
ajis02-327	325	27	than	than	ADP
ajis02-327	325	28	objective	objective	ADJ
ajis02-327	325	29	criteria	criterion	NOUN
ajis02-327	325	30	.	.	PUNCT
ajis02-327	326	1	however	however	ADV
ajis02-327	326	2	,	,	PUNCT
ajis02-327	326	3	insurance	insurance	NOUN
ajis02-327	326	4	carriers	carrier	NOUN
ajis02-327	326	5	indicated	indicate	VERB
ajis02-327	326	6	they	they	PRON
ajis02-327	326	7	are	be	AUX
ajis02-327	326	8	attempting	attempt	VERB
ajis02-327	326	9	to	to	PART
ajis02-327	326	10	build	build	VERB
ajis02-327	326	11	the	the	DET
ajis02-327	326	12	economic	economic	ADJ
ajis02-327	326	13	justification	justification	NOUN
ajis02-327	326	14	for	for	ADP
ajis02-327	326	15	agency	agency	NOUN
ajis02-327	326	16	participation	participation	NOUN
ajis02-327	326	17	on	on	ADP
ajis02-327	326	18	the	the	DET
ajis02-327	326	19	internet	internet	NOUN
ajis02-327	326	20	.	.	PUNCT
ajis02-327	327	1	the	the	DET
ajis02-327	327	2	economic	economic	ADJ
ajis02-327	327	3	justification	justification	NOUN
ajis02-327	327	4	for	for	ADP
ajis02-327	327	5	agents	agent	NOUN
ajis02-327	327	6	and	and	CCONJ
ajis02-327	327	7	companies	company	NOUN
ajis02-327	327	8	to	to	PART
ajis02-327	327	9	participate	participate	VERB
ajis02-327	327	10	on	on	ADP
ajis02-327	327	11	the	the	DET
ajis02-327	327	12	internet	internet	NOUN
ajis02-327	327	13	focused	focus	VERB
ajis02-327	327	14	on	on	ADP
ajis02-327	327	15	promoting	promote	VERB
ajis02-327	327	16	the	the	DET
ajis02-327	327	17	following	follow	VERB
ajis02-327	327	18	benefits	benefit	NOUN
ajis02-327	327	19	:	:	PUNCT
ajis02-327	327	20	•	•	NUM
ajis02-327	327	21	elimination	elimination	NOUN
ajis02-327	327	22	of	of	ADP
ajis02-327	327	23	software	software	NOUN
ajis02-327	327	24	distribution	distribution	NOUN
ajis02-327	327	25	•	•	ADP
ajis02-327	327	26	reduced	reduce	VERB
ajis02-327	327	27	transaction	transaction	NOUN
ajis02-327	327	28	processing	processing	NOUN
ajis02-327	327	29	costs	cost	NOUN
ajis02-327	327	30	•	•	ADP
ajis02-327	327	31	improved	improve	VERB
ajis02-327	327	32	information	information	NOUN
ajis02-327	327	33	distribution	distribution	NOUN
ajis02-327	327	34	•	•	NOUN
ajis02-327	327	35	decreased	decrease	VERB
ajis02-327	327	36	overall	overall	ADJ
ajis02-327	327	37	information	information	NOUN
ajis02-327	327	38	technology	technology	NOUN
ajis02-327	327	39	costs	cost	VERB
ajis02-327	327	40	•	•	ADV
ajis02-327	327	41	improved	improve	VERB
ajis02-327	327	42	quality	quality	NOUN
ajis02-327	327	43	of	of	ADP
ajis02-327	327	44	the	the	DET
ajis02-327	327	45	investment	investment	NOUN
ajis02-327	327	46	by	by	ADP
ajis02-327	327	47	associating	associate	VERB
ajis02-327	327	48	it	it	PRON
ajis02-327	327	49	to	to	PART
ajis02-327	327	50	functionality	functionality	VERB
ajis02-327	327	51	•	•	NOUN
ajis02-327	327	52	value	value	NOUN
ajis02-327	327	53	from	from	ADP
ajis02-327	327	54	e	e	NOUN
ajis02-327	327	55	-	-	NOUN
ajis02-327	327	56	mail	mail	ADJ
ajis02-327	327	57	communication	communication	NOUN
ajis02-327	327	58	•	•	NOUN
ajis02-327	327	59	audit	audit	NOUN
ajis02-327	327	60	tracking	track	VERB
ajis02-327	327	61	•	•	NUM
ajis02-327	327	62	brand	brand	NOUN
ajis02-327	327	63	name	name	NOUN
ajis02-327	327	64	and	and	CCONJ
ajis02-327	327	65	product	product	NOUN
ajis02-327	327	66	recognition	recognition	NOUN
ajis02-327	327	67	•	•	NUM
ajis02-327	327	68	improved	improve	VERB
ajis02-327	327	69	consumer	consumer	NOUN
ajis02-327	327	70	understanding	understanding	NOUN
ajis02-327	327	71	and	and	CCONJ
ajis02-327	327	72	education	education	NOUN
ajis02-327	327	73	•	•	NOUN
ajis02-327	327	74	increased	increase	VERB
ajis02-327	327	75	advertising	advertising	NOUN
ajis02-327	327	76	•	•	NOUN
ajis02-327	327	77	niche	niche	NOUN
ajis02-327	327	78	attractions	attraction	NOUN
ajis02-327	327	79	through	through	ADP
ajis02-327	327	80	specific	specific	ADJ
ajis02-327	327	81	fact	fact	NOUN
ajis02-327	327	82	sheets	sheet	NOUN
ajis02-327	327	83	and	and	CCONJ
ajis02-327	327	84	customised	customise	VERB
ajis02-327	327	85	information	information	NOUN
ajis02-327	327	86	•	•	ADP
ajis02-327	327	87	improved	improve	VERB
ajis02-327	327	88	service	service	NOUN
ajis02-327	327	89	beyond	beyond	ADP
ajis02-327	327	90	contract	contract	NOUN
ajis02-327	327	91	requirements	requirement	NOUN
ajis02-327	327	92	general	general	ADJ
ajis02-327	327	93	optimism	optimism	NOUN
ajis02-327	327	94	surrounded	surround	VERB
ajis02-327	327	95	carrier	carrier	NOUN
ajis02-327	327	96	motivations	motivation	NOUN
ajis02-327	327	97	for	for	ADP
ajis02-327	327	98	internet	internet	NOUN
ajis02-327	327	99	participation	participation	NOUN
ajis02-327	327	100	,	,	PUNCT
ajis02-327	327	101	but	but	CCONJ
ajis02-327	327	102	a	a	DET
ajis02-327	327	103	strategic	strategic	ADJ
ajis02-327	327	104	theme	theme	NOUN
ajis02-327	327	105	emerged	emerge	VERB
ajis02-327	327	106	in	in	ADP
ajis02-327	327	107	which	which	PRON
ajis02-327	327	108	the	the	DET
ajis02-327	327	109	internet	internet	NOUN
ajis02-327	327	110	's	's	PART
ajis02-327	327	111	ability	ability	NOUN
ajis02-327	327	112	to	to	PART
ajis02-327	327	113	eventually	eventually	ADV
ajis02-327	327	114	become	become	AUX
ajis02-327	327	115	integrated	integrate	VERB
ajis02-327	327	116	into	into	ADP
ajis02-327	327	117	the	the	DET
ajis02-327	327	118	industry	industry	NOUN
ajis02-327	327	119	's	's	PART
ajis02-327	327	120	business	business	NOUN
ajis02-327	327	121	processes	process	NOUN
ajis02-327	327	122	and	and	CCONJ
ajis02-327	327	123	therefore	therefore	ADV
ajis02-327	327	124	become	become	VERB
ajis02-327	327	125	a	a	DET
ajis02-327	327	126	strategic	strategic	ADJ
ajis02-327	327	127	necessity	necessity	NOUN
ajis02-327	327	128	was	be	AUX
ajis02-327	327	129	noted	note	VERB
ajis02-327	327	130	.	.	PUNCT
ajis02-327	328	1	the	the	DET
ajis02-327	328	2	internet	internet	NOUN
ajis02-327	328	3	's	's	PART
ajis02-327	328	4	ability	ability	NOUN
ajis02-327	328	5	to	to	PART
ajis02-327	328	6	provide	provide	VERB
ajis02-327	328	7	a	a	DET
ajis02-327	328	8	flexible	flexible	ADJ
ajis02-327	328	9	business	business	NOUN
ajis02-327	328	10	platform	platform	NOUN
ajis02-327	328	11	for	for	ADP
ajis02-327	328	12	companies	company	NOUN
ajis02-327	328	13	and	and	CCONJ
ajis02-327	328	14	agents	agent	NOUN
ajis02-327	328	15	to	to	PART
ajis02-327	328	16	interact	interact	VERB
ajis02-327	328	17	and	and	CCONJ
ajis02-327	328	18	serve	serve	VERB
ajis02-327	328	19	customers	customer	NOUN
ajis02-327	328	20	was	be	AUX
ajis02-327	328	21	a	a	DET
ajis02-327	328	22	primary	primary	ADJ
ajis02-327	328	23	reason	reason	NOUN
ajis02-327	328	24	for	for	ADP
ajis02-327	328	25	integrating	integrate	VERB
ajis02-327	328	26	the	the	DET
ajis02-327	328	27	internet	internet	NOUN
ajis02-327	328	28	into	into	ADP
ajis02-327	328	29	business	business	NOUN
ajis02-327	328	30	processes	process	NOUN
ajis02-327	328	31	.	.	PUNCT
ajis02-327	329	1	also	also	ADV
ajis02-327	329	2	,	,	PUNCT
ajis02-327	329	3	as	as	SCONJ
ajis02-327	329	4	the	the	DET
ajis02-327	329	5	internet	internet	NOUN
ajis02-327	329	6	's	's	PART
ajis02-327	329	7	integration	integration	NOUN
ajis02-327	329	8	into	into	ADP
ajis02-327	329	9	fundamental	fundamental	ADJ
ajis02-327	329	10	insurance	insurance	NOUN
ajis02-327	329	11	business	business	NOUN
ajis02-327	329	12	practices	practice	NOUN
ajis02-327	329	13	continues	continue	VERB
ajis02-327	329	14	,	,	PUNCT
ajis02-327	329	15	the	the	DET
ajis02-327	329	16	potential	potential	ADJ
ajis02-327	329	17	business	business	NOUN
ajis02-327	329	18	value	value	NOUN
ajis02-327	329	19	provided	provide	VERB
ajis02-327	329	20	to	to	ADP
ajis02-327	329	21	carriers	carrier	NOUN
ajis02-327	329	22	by	by	ADP
ajis02-327	329	23	the	the	DET
ajis02-327	329	24	internet	internet	NOUN
ajis02-327	329	25	was	be	AUX
ajis02-327	329	26	seen	see	VERB
ajis02-327	329	27	to	to	PART
ajis02-327	329	28	increase	increase	VERB
ajis02-327	329	29	.	.	PUNCT
ajis02-327	330	1	without	without	ADP
ajis02-327	330	2	active	active	ADJ
ajis02-327	330	3	agent	agent	NOUN
ajis02-327	330	4	participation	participation	NOUN
ajis02-327	330	5	on	on	ADP
ajis02-327	330	6	the	the	DET
ajis02-327	330	7	internet	internet	NOUN
ajis02-327	330	8	technologically	technologically	ADV
ajis02-327	330	9	facilitated	facilitate	VERB
ajis02-327	330	10	adverse	adverse	ADJ
ajis02-327	330	11	selection	selection	NOUN
ajis02-327	330	12	was	be	AUX
ajis02-327	330	13	seen	see	VERB
ajis02-327	330	14	as	as	ADP
ajis02-327	330	15	a	a	DET
ajis02-327	330	16	distinct	distinct	ADJ
ajis02-327	330	17	possibility	possibility	NOUN
ajis02-327	330	18	.	.	PUNCT
ajis02-327	331	1	in	in	ADP
ajis02-327	331	2	such	such	DET
ajis02-327	331	3	a	a	DET
ajis02-327	331	4	situation	situation	NOUN
ajis02-327	331	5	,	,	PUNCT
ajis02-327	331	6	those	those	DET
ajis02-327	331	7	intermediaries	intermediary	NOUN
ajis02-327	331	8	who	who	PRON
ajis02-327	331	9	were	be	AUX
ajis02-327	331	10	not	not	PART
ajis02-327	331	11	participating	participate	VERB
ajis02-327	331	12	in	in	ADP
ajis02-327	331	13	electronic	electronic	ADJ
ajis02-327	331	14	commerce	commerce	NOUN
ajis02-327	331	15	would	would	AUX
ajis02-327	331	16	be	be	AUX
ajis02-327	331	17	automatically	automatically	ADV
ajis02-327	331	18	excluded	exclude	VERB
ajis02-327	331	19	from	from	ADP
ajis02-327	331	20	future	future	ADJ
ajis02-327	331	21	internet	internet	NOUN
ajis02-327	331	22	developments	development	NOUN
ajis02-327	331	23	and	and	CCONJ
ajis02-327	331	24	advancements	advancement	NOUN
ajis02-327	331	25	.	.	PUNCT
ajis02-327	332	1	additionally	additionally	ADV
ajis02-327	332	2	,	,	PUNCT
ajis02-327	332	3	agents	agent	NOUN
ajis02-327	332	4	were	be	AUX
ajis02-327	332	5	seen	see	VERB
ajis02-327	332	6	as	as	ADP
ajis02-327	332	7	preferred	preferred	ADJ
ajis02-327	332	8	partners	partner	NOUN
ajis02-327	332	9	in	in	ADP
ajis02-327	332	10	internet	internet	NOUN
ajis02-327	332	11	facilitated	facilitate	VERB
ajis02-327	332	12	insurance	insurance	NOUN
ajis02-327	332	13	commerce	commerce	NOUN
ajis02-327	332	14	,	,	PUNCT
ajis02-327	332	15	but	but	CCONJ
ajis02-327	332	16	it	it	PRON
ajis02-327	332	17	became	become	VERB
ajis02-327	332	18	clear	clear	ADJ
ajis02-327	332	19	that	that	SCONJ
ajis02-327	332	20	if	if	SCONJ
ajis02-327	332	21	consumer	consumer	NOUN
ajis02-327	332	22	demand	demand	NOUN
ajis02-327	332	23	for	for	ADP
ajis02-327	332	24	direct	direct	ADJ
ajis02-327	332	25	interaction	interaction	NOUN
ajis02-327	332	26	with	with	ADP
ajis02-327	332	27	companies	company	NOUN
ajis02-327	332	28	increases	increase	VERB
ajis02-327	332	29	or	or	CCONJ
ajis02-327	332	30	the	the	DET
ajis02-327	332	31	benefits	benefit	NOUN
ajis02-327	332	32	of	of	ADP
ajis02-327	332	33	direct	direct	ADJ
ajis02-327	332	34	interaction	interaction	NOUN
ajis02-327	332	35	change	change	NOUN
ajis02-327	332	36	,	,	PUNCT
ajis02-327	332	37	agents	agent	NOUN
ajis02-327	332	38	will	will	AUX
ajis02-327	332	39	not	not	PART
ajis02-327	332	40	be	be	AUX
ajis02-327	332	41	able	able	ADJ
ajis02-327	332	42	to	to	PART
ajis02-327	332	43	block	block	VERB
ajis02-327	332	44	carriers	carrier	NOUN
ajis02-327	332	45	from	from	ADP
ajis02-327	332	46	interacting	interact	VERB
ajis02-327	332	47	with	with	ADP
ajis02-327	332	48	consumers	consumer	NOUN
ajis02-327	332	49	on	on	ADP
ajis02-327	332	50	the	the	DET
ajis02-327	332	51	internet	internet	NOUN
ajis02-327	332	52	.	.	PUNCT
ajis02-327	333	1	the	the	DET
ajis02-327	333	2	potential	potential	NOUN
ajis02-327	333	3	to	to	PART
ajis02-327	333	4	alienate	alienate	VERB
ajis02-327	333	5	agents	agent	NOUN
ajis02-327	333	6	by	by	ADP
ajis02-327	333	7	carrier	carrier	NOUN
ajis02-327	333	8	activity	activity	NOUN
ajis02-327	333	9	on	on	ADP
ajis02-327	333	10	the	the	DET
ajis02-327	333	11	internet	internet	NOUN
ajis02-327	333	12	was	be	AUX
ajis02-327	333	13	seen	see	VERB
ajis02-327	333	14	,	,	PUNCT
ajis02-327	333	15	but	but	CCONJ
ajis02-327	333	16	prevention	prevention	NOUN
ajis02-327	333	17	of	of	ADP
ajis02-327	333	18	such	such	ADJ
ajis02-327	333	19	alienation	alienation	NOUN
ajis02-327	333	20	was	be	AUX
ajis02-327	333	21	directly	directly	ADV
ajis02-327	333	22	targeted	target	VERB
ajis02-327	333	23	through	through	ADP
ajis02-327	333	24	37	37	NUM
ajis02-327	333	25	ajis	aji	NOUN
ajis02-327	333	26	special	special	PROPN
ajis02-327	333	27	edition	edition	PROPN
ajis02-327	333	28	electronic	electronic	PROPN
ajis02-327	333	29	commerce	commerce	PROPN
ajis02-327	333	30	november	november	PROPN
ajis02-327	333	31	1998	1998	NUM
ajis02-327	333	32	continued	continue	VERB
ajis02-327	333	33	reliance	reliance	NOUN
ajis02-327	333	34	on	on	ADP
ajis02-327	333	35	the	the	DET
ajis02-327	333	36	present	present	ADJ
ajis02-327	333	37	agency	agency	NOUN
ajis02-327	333	38	distribution	distribution	NOUN
ajis02-327	333	39	forces	force	NOUN
ajis02-327	333	40	.	.	PUNCT
ajis02-327	334	1	however	however	ADV
ajis02-327	334	2	,	,	PUNCT
ajis02-327	334	3	carriers	carrier	NOUN
ajis02-327	334	4	continued	continue	VERB
ajis02-327	334	5	to	to	PART
ajis02-327	334	6	find	find	VERB
ajis02-327	334	7	value	value	NOUN
ajis02-327	334	8	in	in	ADP
ajis02-327	334	9	internet	internet	NOUN
ajis02-327	334	10	exploration	exploration	NOUN
ajis02-327	334	11	and	and	CCONJ
ajis02-327	334	12	participation	participation	NOUN
ajis02-327	334	13	,	,	PUNCT
ajis02-327	334	14	especially	especially	ADV
ajis02-327	334	15	with	with	ADP
ajis02-327	334	16	insurance	insurance	NOUN
ajis02-327	334	17	marketing	marketing	NOUN
ajis02-327	334	18	and	and	CCONJ
ajis02-327	334	19	product	product	NOUN
ajis02-327	334	20	information	information	NOUN
ajis02-327	334	21	.	.	PUNCT
ajis02-327	335	1	additionally	additionally	ADV
ajis02-327	335	2	,	,	PUNCT
ajis02-327	335	3	advances	advance	NOUN
ajis02-327	335	4	in	in	ADP
ajis02-327	335	5	internet	internet	NOUN
ajis02-327	335	6	technologies	technology	NOUN
ajis02-327	335	7	were	be	AUX
ajis02-327	335	8	seen	see	VERB
ajis02-327	335	9	as	as	ADP
ajis02-327	335	10	facilitating	facilitate	VERB
ajis02-327	335	11	widespread	widespread	ADJ
ajis02-327	335	12	adoption	adoption	NOUN
ajis02-327	335	13	of	of	ADP
ajis02-327	335	14	internet	internet	NOUN
ajis02-327	335	15	usage	usage	NOUN
ajis02-327	335	16	into	into	ADP
ajis02-327	335	17	core	core	ADJ
ajis02-327	335	18	business	business	NOUN
ajis02-327	335	19	practices	practice	NOUN
ajis02-327	335	20	,	,	PUNCT
ajis02-327	335	21	and	and	CCONJ
ajis02-327	335	22	further	far	ADV
ajis02-327	335	23	promoting	promote	VERB
ajis02-327	335	24	the	the	DET
ajis02-327	335	25	eventual	eventual	ADJ
ajis02-327	335	26	adoption	adoption	NOUN
ajis02-327	335	27	of	of	ADP
ajis02-327	335	28	internet	internet	NOUN
ajis02-327	335	29	participation	participation	NOUN
ajis02-327	335	30	as	as	ADP
ajis02-327	335	31	a	a	DET
ajis02-327	335	32	strategic	strategic	ADJ
ajis02-327	335	33	necessity	necessity	NOUN
ajis02-327	335	34	.	.	PUNCT
ajis02-327	336	1	network	network	NOUN
ajis02-327	336	2	externalities	externality	NOUN
ajis02-327	336	3	at	at	ADP
ajis02-327	336	4	present	present	ADJ
ajis02-327	336	5	,	,	PUNCT
ajis02-327	336	6	the	the	DET
ajis02-327	336	7	benefits	benefit	NOUN
ajis02-327	336	8	carriers	carrier	NOUN
ajis02-327	336	9	derive	derive	VERB
ajis02-327	336	10	from	from	ADP
ajis02-327	336	11	the	the	DET
ajis02-327	336	12	internet	internet	NOUN
ajis02-327	336	13	were	be	AUX
ajis02-327	336	14	not	not	PART
ajis02-327	336	15	directly	directly	ADV
ajis02-327	336	16	linked	link	VERB
ajis02-327	336	17	to	to	ADP
ajis02-327	336	18	the	the	DET
ajis02-327	336	19	number	number	NOUN
ajis02-327	336	20	of	of	ADP
ajis02-327	336	21	participants	participant	NOUN
ajis02-327	336	22	on	on	ADP
ajis02-327	336	23	the	the	DET
ajis02-327	336	24	internet	internet	NOUN
ajis02-327	336	25	.	.	PUNCT
ajis02-327	337	1	the	the	DET
ajis02-327	337	2	carriers	carrier	NOUN
ajis02-327	337	3	benefit	benefit	VERB
ajis02-327	337	4	from	from	ADP
ajis02-327	337	5	the	the	DET
ajis02-327	337	6	internet	internet	NOUN
ajis02-327	337	7	indirectly	indirectly	ADV
ajis02-327	337	8	by	by	ADP
ajis02-327	337	9	communicating	communicate	VERB
ajis02-327	337	10	with	with	ADP
ajis02-327	337	11	internet	internet	NOUN
ajis02-327	337	12	users	user	NOUN
ajis02-327	337	13	about	about	ADP
ajis02-327	337	14	their	their	PRON
ajis02-327	337	15	product	product	NOUN
ajis02-327	337	16	and	and	CCONJ
ajis02-327	337	17	service	service	NOUN
ajis02-327	337	18	offerings	offering	NOUN
ajis02-327	337	19	.	.	PUNCT
ajis02-327	338	1	however	however	ADV
ajis02-327	338	2	,	,	PUNCT
ajis02-327	338	3	carriers	carrier	NOUN
ajis02-327	338	4	are	be	AUX
ajis02-327	338	5	trying	try	VERB
ajis02-327	338	6	to	to	PART
ajis02-327	338	7	assess	assess	VERB
ajis02-327	338	8	long	long	ADJ
ajis02-327	338	9	term	term	NOUN
ajis02-327	338	10	benefits	benefit	NOUN
ajis02-327	338	11	of	of	ADP
ajis02-327	338	12	electronic	electronic	ADJ
ajis02-327	338	13	commerce	commerce	NOUN
ajis02-327	338	14	and	and	CCONJ
ajis02-327	338	15	are	be	AUX
ajis02-327	338	16	exploring	explore	VERB
ajis02-327	338	17	the	the	DET
ajis02-327	338	18	appropriate	appropriate	ADJ
ajis02-327	338	19	business	business	NOUN
ajis02-327	338	20	processes	process	NOUN
ajis02-327	338	21	for	for	ADP
ajis02-327	338	22	re	re	NOUN
ajis02-327	338	23	-	-	NOUN
ajis02-327	338	24	engineering	engineering	NOUN
ajis02-327	338	25	.	.	PUNCT
ajis02-327	339	1	overall	overall	ADJ
ajis02-327	339	2	benefit	benefit	NOUN
ajis02-327	339	3	of	of	ADP
ajis02-327	339	4	participation	participation	NOUN
ajis02-327	339	5	was	be	AUX
ajis02-327	339	6	attributed	attribute	VERB
ajis02-327	339	7	to	to	ADP
ajis02-327	339	8	capitalising	capitalise	VERB
ajis02-327	339	9	on	on	ADP
ajis02-327	339	10	new	new	ADJ
ajis02-327	339	11	consumer	consumer	NOUN
ajis02-327	339	12	demands	demand	NOUN
ajis02-327	339	13	by	by	ADP
ajis02-327	339	14	using	use	VERB
ajis02-327	339	15	technology	technology	NOUN
ajis02-327	339	16	solutions	solution	NOUN
ajis02-327	339	17	in	in	ADP
ajis02-327	339	18	delivering	deliver	VERB
ajis02-327	339	19	new	new	ADJ
ajis02-327	339	20	business	business	NOUN
ajis02-327	339	21	visions	vision	NOUN
ajis02-327	339	22	.	.	PUNCT
ajis02-327	340	1	investment	investment	NOUN
ajis02-327	340	2	and	and	CCONJ
ajis02-327	340	3	operational	operational	ADJ
ajis02-327	340	4	costs	cost	VERB
ajis02-327	340	5	the	the	DET
ajis02-327	340	6	initial	initial	ADJ
ajis02-327	340	7	costs	cost	NOUN
ajis02-327	340	8	and	and	CCONJ
ajis02-327	340	9	investments	investment	NOUN
ajis02-327	340	10	required	require	VERB
ajis02-327	340	11	for	for	ADP
ajis02-327	340	12	participation	participation	NOUN
ajis02-327	340	13	on	on	ADP
ajis02-327	340	14	the	the	DET
ajis02-327	340	15	internet	internet	NOUN
ajis02-327	340	16	were	be	AUX
ajis02-327	340	17	justified	justify	VERB
ajis02-327	340	18	based	base	VERB
ajis02-327	340	19	on	on	ADP
ajis02-327	340	20	carrier	carrier	NOUN
ajis02-327	340	21	strategic	strategic	ADJ
ajis02-327	340	22	outlook	outlook	NOUN
ajis02-327	340	23	for	for	ADP
ajis02-327	340	24	the	the	DET
ajis02-327	340	25	future	future	NOUN
ajis02-327	340	26	.	.	PUNCT
ajis02-327	341	1	the	the	DET
ajis02-327	341	2	strategic	strategic	ADJ
ajis02-327	341	3	outlook	outlook	NOUN
ajis02-327	341	4	for	for	ADP
ajis02-327	341	5	the	the	DET
ajis02-327	341	6	carriers	carrier	NOUN
ajis02-327	341	7	incorporated	incorporate	VERB
ajis02-327	341	8	a	a	DET
ajis02-327	341	9	three	three	NUM
ajis02-327	341	10	to	to	PART
ajis02-327	341	11	four	four	NUM
ajis02-327	341	12	year	year	NOUN
ajis02-327	341	13	timeframe	timeframe	NOUN
ajis02-327	341	14	in	in	ADP
ajis02-327	341	15	which	which	PRON
ajis02-327	341	16	the	the	DET
ajis02-327	341	17	means	mean	NOUN
ajis02-327	341	18	of	of	ADP
ajis02-327	341	19	exchange	exchange	NOUN
ajis02-327	341	20	and	and	CCONJ
ajis02-327	341	21	communication	communication	NOUN
ajis02-327	341	22	methods	method	NOUN
ajis02-327	341	23	change	change	VERB
ajis02-327	341	24	to	to	PART
ajis02-327	341	25	align	align	VERB
ajis02-327	341	26	with	with	ADP
ajis02-327	341	27	the	the	DET
ajis02-327	341	28	"	"	PUNCT
ajis02-327	341	29	digital	digital	ADJ
ajis02-327	341	30	economy	economy	NOUN
ajis02-327	341	31	"	"	PUNCT
ajis02-327	341	32	.	.	PUNCT
ajis02-327	342	1	in	in	ADP
ajis02-327	342	2	such	such	DET
ajis02-327	342	3	an	an	DET
ajis02-327	342	4	environment	environment	NOUN
ajis02-327	342	5	,	,	PUNCT
ajis02-327	342	6	it	it	PRON
ajis02-327	342	7	was	be	AUX
ajis02-327	342	8	considered	consider	VERB
ajis02-327	342	9	that	that	SCONJ
ajis02-327	342	10	adverse	adverse	ADJ
ajis02-327	342	11	selection	selection	NOUN
ajis02-327	342	12	could	could	AUX
ajis02-327	342	13	occur	occur	VERB
ajis02-327	342	14	in	in	ADP
ajis02-327	342	15	which	which	PRON
ajis02-327	342	16	high	high	ADJ
ajis02-327	342	17	performance	performance	NOUN
ajis02-327	342	18	agents	agent	NOUN
ajis02-327	342	19	participating	participate	VERB
ajis02-327	342	20	on	on	ADP
ajis02-327	342	21	the	the	DET
ajis02-327	342	22	internet	internet	NOUN
ajis02-327	342	23	with	with	ADP
ajis02-327	342	24	strategic	strategic	ADJ
ajis02-327	342	25	information	information	NOUN
ajis02-327	342	26	technology	technology	NOUN
ajis02-327	342	27	plans	plan	NOUN
ajis02-327	342	28	would	would	AUX
ajis02-327	342	29	increasingly	increasingly	ADV
ajis02-327	342	30	benefit	benefit	VERB
ajis02-327	342	31	at	at	ADP
ajis02-327	342	32	the	the	DET
ajis02-327	342	33	expense	expense	NOUN
ajis02-327	342	34	of	of	ADP
ajis02-327	342	35	low	low	ADJ
ajis02-327	342	36	performance	performance	NOUN
ajis02-327	342	37	,	,	PUNCT
ajis02-327	342	38	non	non	ADJ
ajis02-327	342	39	-	-	ADJ
ajis02-327	342	40	internet	internet	NOUN
ajis02-327	342	41	-	-	PUNCT
ajis02-327	342	42	participating	participate	VERB
ajis02-327	342	43	agencies	agency	NOUN
ajis02-327	342	44	.	.	PUNCT
ajis02-327	343	1	network	network	NOUN
ajis02-327	343	2	switching	switch	VERB
ajis02-327	343	3	costs	cost	VERB
ajis02-327	343	4	organisational	organisational	ADJ
ajis02-327	343	5	investments	investment	NOUN
ajis02-327	343	6	in	in	ADP
ajis02-327	343	7	internet	internet	NOUN
ajis02-327	343	8	technologies	technology	NOUN
ajis02-327	343	9	were	be	AUX
ajis02-327	343	10	seen	see	VERB
ajis02-327	343	11	as	as	ADP
ajis02-327	343	12	sound	sound	ADJ
ajis02-327	343	13	investments	investment	NOUN
ajis02-327	343	14	due	due	ADJ
ajis02-327	343	15	to	to	ADP
ajis02-327	343	16	the	the	DET
ajis02-327	343	17	limited	limited	ADJ
ajis02-327	343	18	switching	switching	NOUN
ajis02-327	343	19	costs	cost	NOUN
ajis02-327	343	20	faced	face	VERB
ajis02-327	343	21	by	by	ADP
ajis02-327	343	22	internet	internet	NOUN
ajis02-327	343	23	participants	participant	NOUN
ajis02-327	343	24	.	.	PUNCT
ajis02-327	344	1	the	the	DET
ajis02-327	344	2	internet	internet	NOUN
ajis02-327	344	3	's	's	PART
ajis02-327	344	4	design	design	NOUN
ajis02-327	344	5	and	and	CCONJ
ajis02-327	344	6	infrastructure	infrastructure	NOUN
ajis02-327	344	7	allow	allow	VERB
ajis02-327	344	8	for	for	ADP
ajis02-327	344	9	flexibility	flexibility	NOUN
ajis02-327	344	10	in	in	ADP
ajis02-327	344	11	information	information	NOUN
ajis02-327	344	12	technology	technology	NOUN
ajis02-327	344	13	investments	investment	NOUN
ajis02-327	344	14	(	(	PUNCT
ajis02-327	344	15	for	for	ADP
ajis02-327	344	16	example	example	NOUN
ajis02-327	344	17	client	client	NOUN
ajis02-327	344	18	server	server	NOUN
ajis02-327	344	19	technologies	technology	NOUN
ajis02-327	344	20	,	,	PUNCT
ajis02-327	344	21	open	open	ADJ
ajis02-327	344	22	standards	standard	NOUN
ajis02-327	344	23	,	,	PUNCT
ajis02-327	344	24	and	and	CCONJ
ajis02-327	344	25	platform	platform	NOUN
ajis02-327	344	26	independence	independence	NOUN
ajis02-327	344	27	)	)	PUNCT
ajis02-327	344	28	provide	provide	VERB
ajis02-327	344	29	for	for	ADP
ajis02-327	344	30	flexible	flexible	ADJ
ajis02-327	344	31	investments	investment	NOUN
ajis02-327	344	32	to	to	PART
ajis02-327	344	33	address	address	VERB
ajis02-327	344	34	different	different	ADJ
ajis02-327	344	35	business	business	NOUN
ajis02-327	344	36	functions	function	NOUN
ajis02-327	344	37	.	.	PUNCT
ajis02-327	345	1	organisational	organisational	ADJ
ajis02-327	345	2	benefits	benefit	NOUN
ajis02-327	345	3	from	from	ADP
ajis02-327	345	4	internet	internet	NOUN
ajis02-327	345	5	investment	investment	NOUN
ajis02-327	345	6	included	include	VERB
ajis02-327	345	7	open	open	ADJ
ajis02-327	345	8	network	network	NOUN
ajis02-327	345	9	standards	standard	NOUN
ajis02-327	345	10	allowing	allow	VERB
ajis02-327	345	11	for	for	ADP
ajis02-327	345	12	increased	increase	VERB
ajis02-327	345	13	agency	agency	NOUN
ajis02-327	345	14	-	-	PUNCT
ajis02-327	345	15	carrier	carrier	NOUN
ajis02-327	345	16	interfacing	interfacing	NOUN
ajis02-327	345	17	and	and	CCONJ
ajis02-327	345	18	information	information	NOUN
ajis02-327	345	19	exchange	exchange	NOUN
ajis02-327	345	20	,	,	PUNCT
ajis02-327	345	21	as	as	SCONJ
ajis02-327	345	22	opposed	oppose	VERB
ajis02-327	345	23	to	to	ADP
ajis02-327	345	24	proprietary	proprietary	ADJ
ajis02-327	345	25	networks	network	NOUN
ajis02-327	345	26	that	that	PRON
ajis02-327	345	27	can	can	AUX
ajis02-327	345	28	be	be	AUX
ajis02-327	345	29	cost	cost	VERB
ajis02-327	345	30	intensive	intensive	ADJ
ajis02-327	345	31	and	and	CCONJ
ajis02-327	345	32	investment	investment	NOUN
ajis02-327	345	33	specific	specific	ADJ
ajis02-327	345	34	,	,	PUNCT
ajis02-327	345	35	with	with	ADP
ajis02-327	345	36	reduced	reduce	VERB
ajis02-327	345	37	business	business	NOUN
ajis02-327	345	38	flexibility	flexibility	NOUN
ajis02-327	345	39	.	.	PUNCT
ajis02-327	346	1	agency	agency	NOUN
ajis02-327	346	2	capital	capital	PROPN
ajis02-327	346	3	investment	investment	NOUN
ajis02-327	346	4	the	the	DET
ajis02-327	346	5	initial	initial	ADJ
ajis02-327	346	6	capital	capital	NOUN
ajis02-327	346	7	investments	investment	NOUN
ajis02-327	346	8	for	for	ADP
ajis02-327	346	9	independent	independent	ADJ
ajis02-327	346	10	agents	agent	NOUN
ajis02-327	346	11	were	be	AUX
ajis02-327	346	12	seen	see	VERB
ajis02-327	346	13	as	as	ADP
ajis02-327	346	14	minimal	minimal	ADJ
ajis02-327	346	15	.	.	PUNCT
ajis02-327	347	1	with	with	ADP
ajis02-327	347	2	current	current	ADJ
ajis02-327	347	3	internet	internet	NOUN
ajis02-327	347	4	service	service	NOUN
ajis02-327	347	5	provider	provider	NOUN
ajis02-327	347	6	costs	cost	NOUN
ajis02-327	347	7	relatively	relatively	ADV
ajis02-327	347	8	low	low	ADJ
ajis02-327	347	9	,	,	PUNCT
ajis02-327	347	10	and	and	CCONJ
ajis02-327	347	11	the	the	DET
ajis02-327	347	12	ability	ability	NOUN
ajis02-327	347	13	to	to	PART
ajis02-327	347	14	incorporate	incorporate	VERB
ajis02-327	347	15	internet	internet	NOUN
ajis02-327	347	16	services	service	NOUN
ajis02-327	347	17	into	into	ADP
ajis02-327	347	18	agency	agency	NOUN
ajis02-327	347	19	management	management	NOUN
ajis02-327	347	20	systems	system	NOUN
ajis02-327	347	21	,	,	PUNCT
ajis02-327	347	22	it	it	PRON
ajis02-327	347	23	was	be	AUX
ajis02-327	347	24	seen	see	VERB
ajis02-327	347	25	to	to	PART
ajis02-327	347	26	be	be	AUX
ajis02-327	347	27	in	in	ADP
ajis02-327	347	28	an	an	DET
ajis02-327	347	29	agent	agent	NOUN
ajis02-327	347	30	's	's	PART
ajis02-327	347	31	best	good	ADJ
ajis02-327	347	32	interest	interest	NOUN
ajis02-327	347	33	to	to	PART
ajis02-327	347	34	invest	invest	VERB
ajis02-327	347	35	in	in	ADP
ajis02-327	347	36	internet	internet	NOUN
ajis02-327	347	37	participation	participation	NOUN
ajis02-327	347	38	.	.	PUNCT
ajis02-327	348	1	in	in	ADP
ajis02-327	348	2	addition	addition	NOUN
ajis02-327	348	3	to	to	ADP
ajis02-327	348	4	having	have	VERB
ajis02-327	348	5	companies	company	NOUN
ajis02-327	348	6	and	and	CCONJ
ajis02-327	348	7	agents	agent	NOUN
ajis02-327	348	8	working	work	VERB
ajis02-327	348	9	together	together	ADV
ajis02-327	348	10	to	to	PART
ajis02-327	348	11	build	build	VERB
ajis02-327	348	12	the	the	DET
ajis02-327	348	13	technological	technological	ADJ
ajis02-327	348	14	ability	ability	NOUN
ajis02-327	348	15	to	to	PART
ajis02-327	348	16	use	use	VERB
ajis02-327	348	17	the	the	DET
ajis02-327	348	18	internet	internet	NOUN
ajis02-327	348	19	to	to	PART
ajis02-327	348	20	serve	serve	VERB
ajis02-327	348	21	customers	customer	NOUN
ajis02-327	348	22	,	,	PUNCT
ajis02-327	348	23	the	the	DET
ajis02-327	348	24	initial	initial	ADJ
ajis02-327	348	25	capital	capital	NOUN
ajis02-327	348	26	investment	investment	NOUN
ajis02-327	348	27	was	be	AUX
ajis02-327	348	28	seen	see	VERB
ajis02-327	348	29	to	to	PART
ajis02-327	348	30	be	be	AUX
ajis02-327	348	31	near	near	ADP
ajis02-327	348	32	zero	zero	NUM
ajis02-327	348	33	,	,	PUNCT
ajis02-327	348	34	especially	especially	ADV
ajis02-327	348	35	due	due	ADP
ajis02-327	348	36	to	to	ADP
ajis02-327	348	37	agency	agency	NOUN
ajis02-327	348	38	abilities	ability	NOUN
ajis02-327	348	39	to	to	PART
ajis02-327	348	40	build	build	VERB
ajis02-327	348	41	on	on	ADP
ajis02-327	348	42	information	information	NOUN
ajis02-327	348	43	technology	technology	NOUN
ajis02-327	348	44	systems	system	NOUN
ajis02-327	348	45	already	already	ADV
ajis02-327	348	46	in	in	ADP
ajis02-327	348	47	place	place	NOUN
ajis02-327	348	48	.	.	PUNCT
ajis02-327	349	1	in	in	ADP
ajis02-327	349	2	such	such	DET
ajis02-327	349	3	an	an	DET
ajis02-327	349	4	environment	environment	NOUN
ajis02-327	349	5	the	the	DET
ajis02-327	349	6	main	main	ADJ
ajis02-327	349	7	costs	cost	NOUN
ajis02-327	349	8	were	be	AUX
ajis02-327	349	9	seen	see	VERB
ajis02-327	349	10	to	to	PART
ajis02-327	349	11	be	be	AUX
ajis02-327	349	12	participant	participant	ADJ
ajis02-327	349	13	education	education	NOUN
ajis02-327	349	14	and	and	CCONJ
ajis02-327	349	15	awareness	awareness	NOUN
ajis02-327	349	16	of	of	ADP
ajis02-327	349	17	the	the	DET
ajis02-327	349	18	internet	internet	NOUN
ajis02-327	349	19	and	and	CCONJ
ajis02-327	349	20	its	its	PRON
ajis02-327	349	21	potential	potential	ADJ
ajis02-327	349	22	uses	use	NOUN
ajis02-327	349	23	.	.	PUNCT
ajis02-327	350	1	to	to	PART
ajis02-327	350	2	quantify	quantify	VERB
ajis02-327	350	3	the	the	DET
ajis02-327	350	4	investment	investment	NOUN
ajis02-327	350	5	costs	cost	NOUN
ajis02-327	350	6	it	it	PRON
ajis02-327	350	7	was	be	AUX
ajis02-327	350	8	deemed	deem	VERB
ajis02-327	350	9	important	important	ADJ
ajis02-327	350	10	to	to	PART
ajis02-327	350	11	look	look	VERB
ajis02-327	350	12	at	at	ADP
ajis02-327	350	13	return	return	NOUN
ajis02-327	350	14	on	on	ADP
ajis02-327	350	15	investment	investment	NOUN
ajis02-327	350	16	as	as	ADP
ajis02-327	350	17	the	the	DET
ajis02-327	350	18	ability	ability	NOUN
ajis02-327	350	19	to	to	PART
ajis02-327	350	20	interact	interact	VERB
ajis02-327	350	21	with	with	ADP
ajis02-327	350	22	customers	customer	NOUN
ajis02-327	350	23	,	,	PUNCT
ajis02-327	350	24	and	and	CCONJ
ajis02-327	350	25	to	to	PART
ajis02-327	350	26	improve	improve	VERB
ajis02-327	350	27	customer	customer	NOUN
ajis02-327	350	28	and	and	CCONJ
ajis02-327	350	29	carrier	carrier	NOUN
ajis02-327	350	30	relationships	relationship	NOUN
ajis02-327	350	31	.	.	PUNCT
ajis02-327	351	1	the	the	DET
ajis02-327	351	2	tendency	tendency	NOUN
ajis02-327	351	3	for	for	SCONJ
ajis02-327	351	4	agents	agent	NOUN
ajis02-327	351	5	to	to	PART
ajis02-327	351	6	focus	focus	VERB
ajis02-327	351	7	solely	solely	ADV
ajis02-327	351	8	on	on	ADP
ajis02-327	351	9	sales	sale	NOUN
ajis02-327	351	10	should	should	AUX
ajis02-327	351	11	not	not	PART
ajis02-327	351	12	be	be	AUX
ajis02-327	351	13	the	the	DET
ajis02-327	351	14	sole	sole	ADJ
ajis02-327	351	15	objective	objective	NOUN
ajis02-327	351	16	;	;	PUNCT
ajis02-327	351	17	lead	lead	NOUN
ajis02-327	351	18	generation	generation	NOUN
ajis02-327	351	19	was	be	AUX
ajis02-327	351	20	suggested	suggest	VERB
ajis02-327	351	21	as	as	ADP
ajis02-327	351	22	a	a	DET
ajis02-327	351	23	potential	potential	ADJ
ajis02-327	351	24	longer	long	ADJ
ajis02-327	351	25	term	term	NOUN
ajis02-327	351	26	objective	objective	NOUN
ajis02-327	351	27	as	as	SCONJ
ajis02-327	351	28	the	the	DET
ajis02-327	351	29	technology	technology	NOUN
ajis02-327	351	30	evolves	evolve	VERB
ajis02-327	351	31	.	.	PUNCT
ajis02-327	352	1	a	a	DET
ajis02-327	352	2	cost	cost	NOUN
ajis02-327	352	3	spectrum	spectrum	NOUN
ajis02-327	352	4	developed	develop	VERB
ajis02-327	352	5	in	in	ADP
ajis02-327	352	6	which	which	PRON
ajis02-327	352	7	the	the	DET
ajis02-327	352	8	cost	cost	NOUN
ajis02-327	352	9	of	of	ADP
ajis02-327	352	10	participation	participation	NOUN
ajis02-327	352	11	directly	directly	ADV
ajis02-327	352	12	relates	relate	VERB
ajis02-327	352	13	to	to	ADP
ajis02-327	352	14	the	the	DET
ajis02-327	352	15	business	business	NOUN
ajis02-327	352	16	value	value	NOUN
ajis02-327	352	17	derived	derive	VERB
ajis02-327	352	18	from	from	ADP
ajis02-327	352	19	the	the	DET
ajis02-327	352	20	internet	internet	NOUN
ajis02-327	352	21	.	.	PUNCT
ajis02-327	353	1	for	for	ADP
ajis02-327	353	2	example	example	NOUN
ajis02-327	353	3	,	,	PUNCT
ajis02-327	353	4	as	as	SCONJ
ajis02-327	353	5	the	the	DET
ajis02-327	353	6	interactivity	interactivity	NOUN
ajis02-327	353	7	and	and	CCONJ
ajis02-327	353	8	business	business	NOUN
ajis02-327	353	9	value	value	NOUN
ajis02-327	353	10	increase	increase	NOUN
ajis02-327	353	11	in	in	ADP
ajis02-327	353	12	a	a	DET
ajis02-327	353	13	web	web	NOUN
ajis02-327	353	14	site	site	NOUN
ajis02-327	353	15	more	more	ADJ
ajis02-327	353	16	investment	investment	NOUN
ajis02-327	353	17	and	and	CCONJ
ajis02-327	353	18	capital	capital	NOUN
ajis02-327	353	19	outlay	outlay	NOUN
ajis02-327	353	20	are	be	AUX
ajis02-327	353	21	required	require	VERB
ajis02-327	353	22	.	.	PUNCT
ajis02-327	354	1	the	the	PRON
ajis02-327	354	2	lower	low	ADJ
ajis02-327	354	3	the	the	DET
ajis02-327	354	4	interactivity	interactivity	NOUN
ajis02-327	354	5	and	and	CCONJ
ajis02-327	354	6	business	business	NOUN
ajis02-327	354	7	value	value	NOUN
ajis02-327	354	8	of	of	ADP
ajis02-327	354	9	a	a	DET
ajis02-327	354	10	web	web	NOUN
ajis02-327	354	11	site	site	NOUN
ajis02-327	354	12	,	,	PUNCT
ajis02-327	354	13	the	the	PRON
ajis02-327	354	14	lower	low	ADJ
ajis02-327	354	15	the	the	DET
ajis02-327	354	16	cost	cost	NOUN
ajis02-327	354	17	.	.	PUNCT
ajis02-327	355	1	for	for	ADP
ajis02-327	355	2	example	example	NOUN
ajis02-327	355	3	,	,	PUNCT
ajis02-327	355	4	for	for	SCONJ
ajis02-327	355	5	a	a	DET
ajis02-327	355	6	web	web	NOUN
ajis02-327	355	7	site	site	NOUN
ajis02-327	355	8	to	to	PART
ajis02-327	355	9	adequately	adequately	ADV
ajis02-327	355	10	support	support	VERB
ajis02-327	355	11	sales	sale	NOUN
ajis02-327	355	12	and	and	CCONJ
ajis02-327	355	13	customer	customer	NOUN
ajis02-327	355	14	servicing	servicing	NOUN
ajis02-327	355	15	requires	require	VERB
ajis02-327	355	16	more	more	ADJ
ajis02-327	355	17	investment	investment	NOUN
ajis02-327	355	18	than	than	ADP
ajis02-327	355	19	a	a	DET
ajis02-327	355	20	simple	simple	ADJ
ajis02-327	355	21	site	site	NOUN
ajis02-327	355	22	with	with	ADP
ajis02-327	355	23	advertising	advertising	NOUN
ajis02-327	355	24	and	and	CCONJ
ajis02-327	355	25	product	product	NOUN
ajis02-327	355	26	information	information	NOUN
ajis02-327	355	27	.	.	PUNCT
ajis02-327	356	1	without	without	ADP
ajis02-327	356	2	specific	specific	ADJ
ajis02-327	356	3	business	business	NOUN
ajis02-327	356	4	methodologies	methodology	NOUN
ajis02-327	356	5	or	or	CCONJ
ajis02-327	356	6	plans	plan	NOUN
ajis02-327	356	7	to	to	PART
ajis02-327	356	8	manage	manage	VERB
ajis02-327	356	9	the	the	DET
ajis02-327	356	10	relationship	relationship	NOUN
ajis02-327	356	11	between	between	ADP
ajis02-327	356	12	increased	increase	VERB
ajis02-327	356	13	cost	cost	NOUN
ajis02-327	356	14	and	and	CCONJ
ajis02-327	356	15	increased	increase	VERB
ajis02-327	356	16	business	business	NOUN
ajis02-327	356	17	value	value	NOUN
ajis02-327	356	18	,	,	PUNCT
ajis02-327	356	19	the	the	DET
ajis02-327	356	20	fundamental	fundamental	ADJ
ajis02-327	356	21	objective	objective	NOUN
ajis02-327	356	22	was	be	AUX
ajis02-327	356	23	seen	see	VERB
ajis02-327	356	24	to	to	PART
ajis02-327	356	25	view	view	VERB
ajis02-327	356	26	investment	investment	NOUN
ajis02-327	356	27	in	in	ADP
ajis02-327	356	28	the	the	DET
ajis02-327	356	29	internet	internet	NOUN
ajis02-327	356	30	as	as	ADP
ajis02-327	356	31	an	an	DET
ajis02-327	356	32	investment	investment	NOUN
ajis02-327	356	33	in	in	ADP
ajis02-327	356	34	future	future	ADJ
ajis02-327	356	35	business	business	NOUN
ajis02-327	356	36	productivity	productivity	NOUN
ajis02-327	356	37	and	and	CCONJ
ajis02-327	356	38	processes	process	NOUN
ajis02-327	356	39	.	.	PUNCT
ajis02-327	357	1	finally	finally	ADV
ajis02-327	357	2	,	,	PUNCT
ajis02-327	357	3	it	it	PRON
ajis02-327	357	4	was	be	AUX
ajis02-327	357	5	discovered	discover	VERB
ajis02-327	357	6	to	to	PART
ajis02-327	357	7	be	be	AUX
ajis02-327	357	8	essential	essential	ADJ
ajis02-327	357	9	to	to	PART
ajis02-327	357	10	consider	consider	VERB
ajis02-327	357	11	business	business	NOUN
ajis02-327	357	12	and	and	CCONJ
ajis02-327	357	13	strategic	strategic	ADJ
ajis02-327	357	14	issues	issue	NOUN
ajis02-327	357	15	before	before	ADP
ajis02-327	357	16	developing	develop	VERB
ajis02-327	357	17	an	an	DET
ajis02-327	357	18	internet	internet	NOUN
ajis02-327	357	19	presence	presence	NOUN
ajis02-327	357	20	.	.	PUNCT
ajis02-327	358	1	such	such	ADJ
ajis02-327	358	2	consideration	consideration	NOUN
ajis02-327	358	3	was	be	AUX
ajis02-327	358	4	seen	see	VERB
ajis02-327	358	5	to	to	PART
ajis02-327	358	6	improve	improve	VERB
ajis02-327	358	7	the	the	DET
ajis02-327	358	8	likelihood	likelihood	NOUN
ajis02-327	358	9	of	of	ADP
ajis02-327	358	10	organisations	organisation	NOUN
ajis02-327	358	11	avoiding	avoid	VERB
ajis02-327	358	12	wasted	waste	VERB
ajis02-327	358	13	effort	effort	NOUN
ajis02-327	358	14	and	and	CCONJ
ajis02-327	358	15	resources	resource	NOUN
ajis02-327	358	16	,	,	PUNCT
ajis02-327	358	17	and	and	CCONJ
ajis02-327	358	18	maximising	maximise	VERB
ajis02-327	358	19	the	the	DET
ajis02-327	358	20	benefits	benefit	NOUN
ajis02-327	358	21	.	.	PUNCT
ajis02-327	359	1	38	38	NUM
ajis02-327	359	2	aj1s	aj1s	PROPN
ajis02-327	359	3	special	special	ADJ
ajis02-327	359	4	edition	edition	NOUN
ajis02-327	359	5	electronic	electronic	PROPN
ajis02-327	359	6	commerce	commerce	PROPN
ajis02-327	359	7	november	november	PROPN
ajis02-327	359	8	1998	1998	NUM
ajis02-327	359	9	prisoner	prisoner	NOUN
ajis02-327	359	10	's	's	PART
ajis02-327	359	11	dilemma	dilemma	NOUN
ajis02-327	359	12	the	the	DET
ajis02-327	359	13	concept	concept	NOUN
ajis02-327	359	14	of	of	ADP
ajis02-327	359	15	the	the	DET
ajis02-327	359	16	prisoner	prisoner	NOUN
ajis02-327	359	17	's	's	PART
ajis02-327	359	18	dilemma	dilemma	NOUN
ajis02-327	359	19	in	in	ADP
ajis02-327	359	20	electronic	electronic	ADJ
ajis02-327	359	21	marketplaces	marketplace	NOUN
ajis02-327	359	22	(	(	PUNCT
ajis02-327	359	23	sellers	seller	NOUN
ajis02-327	359	24	as	as	ADP
ajis02-327	359	25	a	a	DET
ajis02-327	359	26	group	group	NOUN
ajis02-327	359	27	do	do	AUX
ajis02-327	359	28	not	not	PART
ajis02-327	359	29	benefit	benefit	VERB
ajis02-327	359	30	from	from	ADP
ajis02-327	359	31	an	an	DET
ajis02-327	359	32	electronic	electronic	ADJ
ajis02-327	359	33	market	market	NOUN
ajis02-327	359	34	system	system	NOUN
ajis02-327	359	35	,	,	PUNCT
ajis02-327	359	36	but	but	CCONJ
ajis02-327	359	37	as	as	SCONJ
ajis02-327	359	38	individuals	individual	NOUN
ajis02-327	359	39	the	the	DET
ajis02-327	359	40	revenues	revenue	NOUN
ajis02-327	359	41	that	that	PRON
ajis02-327	359	42	can	can	AUX
ajis02-327	359	43	be	be	AUX
ajis02-327	359	44	generated	generate	VERB
ajis02-327	359	45	from	from	ADP
ajis02-327	359	46	such	such	DET
ajis02-327	359	47	a	a	DET
ajis02-327	359	48	system	system	NOUN
ajis02-327	359	49	can	can	AUX
ajis02-327	359	50	benefit	benefit	VERB
ajis02-327	359	51	them	they	PRON
ajis02-327	359	52	and	and	CCONJ
ajis02-327	359	53	outweigh	outweigh	VERB
ajis02-327	359	54	the	the	DET
ajis02-327	359	55	losses	loss	NOUN
ajis02-327	359	56	)	)	PUNCT
ajis02-327	359	57	advanced	advance	VERB
ajis02-327	359	58	by	by	ADP
ajis02-327	359	59	bakos	bakos	PROPN
ajis02-327	359	60	(	(	PUNCT
ajis02-327	359	61	1991	1991	NUM
ajis02-327	359	62	)	)	PUNCT
ajis02-327	359	63	was	be	AUX
ajis02-327	359	64	adapted	adapt	VERB
ajis02-327	359	65	to	to	ADP
ajis02-327	359	66	this	this	DET
ajis02-327	359	67	study	study	NOUN
ajis02-327	359	68	and	and	CCONJ
ajis02-327	359	69	used	use	VERB
ajis02-327	359	70	to	to	PART
ajis02-327	359	71	understand	understand	VERB
ajis02-327	359	72	insurance	insurance	NOUN
ajis02-327	359	73	carrier	carrier	NOUN
ajis02-327	359	74	motivations	motivation	NOUN
ajis02-327	359	75	and	and	CCONJ
ajis02-327	359	76	concerns	concern	NOUN
ajis02-327	359	77	for	for	ADP
ajis02-327	359	78	internet	internet	NOUN
ajis02-327	359	79	participation	participation	NOUN
ajis02-327	359	80	.	.	PUNCT
ajis02-327	360	1	first	first	ADJ
ajis02-327	360	2	mover	mover	NOUN
ajis02-327	360	3	benefits	benefit	NOUN
ajis02-327	360	4	were	be	AUX
ajis02-327	360	5	seen	see	VERB
ajis02-327	360	6	to	to	PART
ajis02-327	360	7	be	be	AUX
ajis02-327	360	8	organisational	organisational	ADJ
ajis02-327	360	9	specific	specific	ADJ
ajis02-327	360	10	due	due	ADJ
ajis02-327	360	11	to	to	ADP
ajis02-327	360	12	different	different	ADJ
ajis02-327	360	13	carrier	carrier	NOUN
ajis02-327	360	14	strategic	strategic	ADJ
ajis02-327	360	15	and	and	CCONJ
ajis02-327	360	16	business	business	NOUN
ajis02-327	360	17	objectives	objective	NOUN
ajis02-327	360	18	for	for	ADP
ajis02-327	360	19	internet	internet	NOUN
ajis02-327	360	20	development	development	NOUN
ajis02-327	360	21	.	.	PUNCT
ajis02-327	361	1	latemover	latemover	ADV
ajis02-327	361	2	benefits	benefit	NOUN
ajis02-327	361	3	were	be	AUX
ajis02-327	361	4	attributed	attribute	VERB
ajis02-327	361	5	more	more	ADV
ajis02-327	361	6	towards	towards	ADP
ajis02-327	361	7	functional	functional	ADJ
ajis02-327	361	8	benefits	benefit	NOUN
ajis02-327	361	9	derived	derive	VERB
ajis02-327	361	10	directly	directly	ADV
ajis02-327	361	11	from	from	ADP
ajis02-327	361	12	internet	internet	NOUN
ajis02-327	361	13	capabilities	capability	NOUN
ajis02-327	361	14	(	(	PUNCT
ajis02-327	361	15	for	for	ADP
ajis02-327	361	16	example	example	NOUN
ajis02-327	361	17	using	use	VERB
ajis02-327	361	18	e	e	NOUN
ajis02-327	361	19	-	-	NOUN
ajis02-327	361	20	mail	mail	NOUN
ajis02-327	361	21	as	as	ADP
ajis02-327	361	22	an	an	DET
ajis02-327	361	23	alternative	alternative	ADJ
ajis02-327	361	24	communication	communication	NOUN
ajis02-327	361	25	means	mean	NOUN
ajis02-327	361	26	)	)	PUNCT
ajis02-327	361	27	.	.	PUNCT
ajis02-327	362	1	although	although	SCONJ
ajis02-327	362	2	optimism	optimism	NOUN
ajis02-327	362	3	and	and	CCONJ
ajis02-327	362	4	enthusiasm	enthusiasm	NOUN
ajis02-327	362	5	were	be	AUX
ajis02-327	362	6	associated	associate	VERB
ajis02-327	362	7	with	with	ADP
ajis02-327	362	8	internet	internet	NOUN
ajis02-327	362	9	business	business	NOUN
ajis02-327	362	10	development	development	NOUN
ajis02-327	362	11	,	,	PUNCT
ajis02-327	362	12	concerns	concern	NOUN
ajis02-327	362	13	regarding	regard	VERB
ajis02-327	362	14	how	how	SCONJ
ajis02-327	362	15	the	the	DET
ajis02-327	362	16	industry	industry	NOUN
ajis02-327	362	17	and	and	CCONJ
ajis02-327	362	18	distribution	distribution	NOUN
ajis02-327	362	19	systems	system	NOUN
ajis02-327	362	20	would	would	AUX
ajis02-327	362	21	adapt	adapt	VERB
ajis02-327	362	22	,	,	PUNCT
ajis02-327	362	23	and	and	CCONJ
ajis02-327	362	24	how	how	SCONJ
ajis02-327	362	25	market	market	NOUN
ajis02-327	362	26	competition	competition	NOUN
ajis02-327	362	27	could	could	AUX
ajis02-327	362	28	change	change	VERB
ajis02-327	362	29	remained	remain	VERB
ajis02-327	362	30	a	a	DET
ajis02-327	362	31	primary	primary	ADJ
ajis02-327	362	32	concern	concern	NOUN
ajis02-327	362	33	.	.	PUNCT
ajis02-327	363	1	the	the	DET
ajis02-327	363	2	ability	ability	NOUN
ajis02-327	363	3	for	for	ADP
ajis02-327	363	4	financial	financial	ADJ
ajis02-327	363	5	and	and	CCONJ
ajis02-327	363	6	other	other	ADJ
ajis02-327	363	7	non	non	ADJ
ajis02-327	363	8	-	-	ADJ
ajis02-327	363	9	financial	financial	ADJ
ajis02-327	363	10	institutions	institution	NOUN
ajis02-327	363	11	to	to	PART
ajis02-327	363	12	leverage	leverage	VERB
ajis02-327	363	13	their	their	PRON
ajis02-327	363	14	organisational	organisational	ADJ
ajis02-327	363	15	network	network	NOUN
ajis02-327	363	16	capabilities	capability	NOUN
ajis02-327	363	17	,	,	PUNCT
ajis02-327	363	18	resources	resource	NOUN
ajis02-327	363	19	,	,	PUNCT
ajis02-327	363	20	and	and	CCONJ
ajis02-327	363	21	customer	customer	NOUN
ajis02-327	363	22	bases	basis	NOUN
ajis02-327	363	23	to	to	PART
ajis02-327	363	24	enter	enter	VERB
ajis02-327	363	25	the	the	DET
ajis02-327	363	26	insurance	insurance	NOUN
ajis02-327	363	27	market	market	NOUN
ajis02-327	363	28	consistently	consistently	ADV
ajis02-327	363	29	also	also	ADV
ajis02-327	363	30	emerged	emerge	VERB
ajis02-327	363	31	as	as	ADP
ajis02-327	363	32	a	a	DET
ajis02-327	363	33	concern	concern	NOUN
ajis02-327	363	34	.	.	PUNCT
ajis02-327	364	1	disadvantages	disadvantage	NOUN
ajis02-327	364	2	of	of	ADP
ajis02-327	364	3	widespread	widespread	ADJ
ajis02-327	364	4	internet	internet	NOUN
ajis02-327	364	5	adoption	adoption	NOUN
ajis02-327	364	6	were	be	AUX
ajis02-327	364	7	seen	see	VERB
ajis02-327	364	8	to	to	PART
ajis02-327	364	9	include	include	VERB
ajis02-327	364	10	rate	rate	NOUN
ajis02-327	364	11	reductions	reduction	NOUN
ajis02-327	364	12	due	due	ADJ
ajis02-327	364	13	to	to	ADP
ajis02-327	364	14	increased	increase	VERB
ajis02-327	364	15	price	price	NOUN
ajis02-327	364	16	and	and	CCONJ
ajis02-327	364	17	market	market	NOUN
ajis02-327	364	18	competition	competition	NOUN
ajis02-327	364	19	,	,	PUNCT
ajis02-327	364	20	increased	increase	VERB
ajis02-327	364	21	commonality	commonality	NOUN
ajis02-327	364	22	of	of	ADP
ajis02-327	364	23	value	value	NOUN
ajis02-327	364	24	added	add	VERB
ajis02-327	364	25	services	service	NOUN
ajis02-327	364	26	through	through	ADP
ajis02-327	364	27	industry	industry	NOUN
ajis02-327	364	28	standard	standard	ADJ
ajis02-327	364	29	elevation	elevation	NOUN
ajis02-327	364	30	,	,	PUNCT
ajis02-327	364	31	increased	increase	VERB
ajis02-327	364	32	market	market	NOUN
ajis02-327	364	33	threats	threat	NOUN
ajis02-327	364	34	from	from	ADP
ajis02-327	364	35	merged	merged	ADJ
ajis02-327	364	36	consumer	consumer	NOUN
ajis02-327	364	37	processes	process	NOUN
ajis02-327	364	38	and	and	CCONJ
ajis02-327	364	39	product	product	NOUN
ajis02-327	364	40	bundling	bundle	VERB
ajis02-327	364	41	,	,	PUNCT
ajis02-327	364	42	and	and	CCONJ
ajis02-327	364	43	a	a	DET
ajis02-327	364	44	reduction	reduction	NOUN
ajis02-327	364	45	in	in	ADP
ajis02-327	364	46	total	total	ADJ
ajis02-327	364	47	market	market	NOUN
ajis02-327	364	48	participants	participant	NOUN
ajis02-327	364	49	.	.	PUNCT
ajis02-327	365	1	an	an	DET
ajis02-327	365	2	interesting	interesting	ADJ
ajis02-327	365	3	concern	concern	NOUN
ajis02-327	365	4	discovered	discover	VERB
ajis02-327	365	5	was	be	AUX
ajis02-327	365	6	whether	whether	SCONJ
ajis02-327	365	7	a	a	DET
ajis02-327	365	8	global	global	ADJ
ajis02-327	365	9	interconnected	interconnected	ADJ
ajis02-327	365	10	electronic	electronic	ADJ
ajis02-327	365	11	market	market	NOUN
ajis02-327	365	12	such	such	ADJ
ajis02-327	365	13	as	as	ADP
ajis02-327	365	14	the	the	DET
ajis02-327	365	15	internet	internet	NOUN
ajis02-327	365	16	would	would	AUX
ajis02-327	365	17	lead	lead	VERB
ajis02-327	365	18	to	to	ADP
ajis02-327	365	19	a	a	DET
ajis02-327	365	20	more	more	ADV
ajis02-327	365	21	globally	globally	ADV
ajis02-327	365	22	competitive	competitive	ADJ
ajis02-327	365	23	,	,	PUNCT
ajis02-327	365	24	digital	digital	ADJ
ajis02-327	365	25	insurance	insurance	NOUN
ajis02-327	365	26	marketplace	marketplace	NOUN
ajis02-327	365	27	.	.	PUNCT
ajis02-327	366	1	from	from	ADP
ajis02-327	366	2	the	the	DET
ajis02-327	366	3	study	study	NOUN
ajis02-327	366	4	's	's	PART
ajis02-327	366	5	findings	finding	NOUN
ajis02-327	366	6	it	it	PRON
ajis02-327	366	7	became	become	VERB
ajis02-327	366	8	evident	evident	ADJ
ajis02-327	366	9	that	that	SCONJ
ajis02-327	366	10	state	state	NOUN
ajis02-327	366	11	regulation	regulation	NOUN
ajis02-327	366	12	and	and	CCONJ
ajis02-327	366	13	oversight	oversight	NOUN
ajis02-327	366	14	of	of	ADP
ajis02-327	366	15	insurance	insurance	NOUN
ajis02-327	366	16	was	be	AUX
ajis02-327	366	17	seen	see	VERB
ajis02-327	366	18	as	as	ADP
ajis02-327	366	19	a	a	DET
ajis02-327	366	20	substantial	substantial	ADJ
ajis02-327	366	21	factor	factor	NOUN
ajis02-327	366	22	in	in	ADP
ajis02-327	366	23	keeping	keep	VERB
ajis02-327	366	24	insurance	insurance	NOUN
ajis02-327	366	25	localised	localise	VERB
ajis02-327	366	26	to	to	ADP
ajis02-327	366	27	individual	individual	ADJ
ajis02-327	366	28	regions	region	NOUN
ajis02-327	366	29	and	and	CCONJ
ajis02-327	366	30	states	state	NOUN
ajis02-327	366	31	,	,	PUNCT
ajis02-327	366	32	rather	rather	ADV
ajis02-327	366	33	than	than	ADP
ajis02-327	366	34	leading	lead	VERB
ajis02-327	366	35	to	to	ADP
ajis02-327	366	36	increased	increase	VERB
ajis02-327	366	37	national	national	ADJ
ajis02-327	366	38	and	and	CCONJ
ajis02-327	366	39	international	international	ADJ
ajis02-327	366	40	free	free	ADJ
ajis02-327	366	41	market	market	NOUN
ajis02-327	366	42	competition	competition	NOUN
ajis02-327	366	43	over	over	ADP
ajis02-327	366	44	the	the	DET
ajis02-327	366	45	internet	internet	NOUN
ajis02-327	366	46	.	.	PUNCT
ajis02-327	367	1	conclusion	conclusion	NOUN
ajis02-327	367	2	with	with	ADP
ajis02-327	367	3	the	the	DET
ajis02-327	367	4	wide	wide	ADJ
ajis02-327	367	5	availability	availability	NOUN
ajis02-327	367	6	of	of	ADP
ajis02-327	367	7	information	information	NOUN
ajis02-327	367	8	resources	resource	NOUN
ajis02-327	367	9	and	and	CCONJ
ajis02-327	367	10	the	the	DET
ajis02-327	367	11	emerging	emerge	VERB
ajis02-327	367	12	availability	availability	NOUN
ajis02-327	367	13	of	of	ADP
ajis02-327	367	14	price	price	NOUN
ajis02-327	367	15	comparison	comparison	NOUN
ajis02-327	367	16	,	,	PUNCT
ajis02-327	367	17	the	the	DET
ajis02-327	367	18	respondents	respondent	NOUN
ajis02-327	367	19	provided	provide	VERB
ajis02-327	367	20	insight	insight	NOUN
ajis02-327	367	21	into	into	ADP
ajis02-327	367	22	strategic	strategic	ADJ
ajis02-327	367	23	and	and	CCONJ
ajis02-327	367	24	operational	operational	ADJ
ajis02-327	367	25	issues	issue	NOUN
ajis02-327	367	26	that	that	PRON
ajis02-327	367	27	need	need	VERB
ajis02-327	367	28	to	to	PART
ajis02-327	367	29	be	be	AUX
ajis02-327	367	30	addressed	address	VERB
ajis02-327	367	31	in	in	ADP
ajis02-327	367	32	relation	relation	NOUN
ajis02-327	367	33	to	to	ADP
ajis02-327	367	34	electronic	electronic	ADJ
ajis02-327	367	35	market	market	NOUN
ajis02-327	367	36	participation	participation	NOUN
ajis02-327	367	37	.	.	PUNCT
ajis02-327	368	1	in	in	ADP
ajis02-327	368	2	addition	addition	NOUN
ajis02-327	368	3	to	to	ADP
ajis02-327	368	4	understanding	understanding	NOUN
ajis02-327	368	5	and	and	CCONJ
ajis02-327	368	6	justifying	justify	VERB
ajis02-327	368	7	the	the	DET
ajis02-327	368	8	benefits	benefit	NOUN
ajis02-327	368	9	of	of	ADP
ajis02-327	368	10	participation	participation	NOUN
ajis02-327	368	11	,	,	PUNCT
ajis02-327	368	12	the	the	DET
ajis02-327	368	13	role	role	NOUN
ajis02-327	368	14	internet	internet	NOUN
ajis02-327	368	15	economics	economic	NOUN
ajis02-327	368	16	have	have	AUX
ajis02-327	368	17	in	in	ADP
ajis02-327	368	18	facilitating	facilitate	VERB
ajis02-327	368	19	its	its	PRON
ajis02-327	368	20	adoption	adoption	NOUN
ajis02-327	368	21	throughout	throughout	ADP
ajis02-327	368	22	the	the	DET
ajis02-327	368	23	agency	agency	NOUN
ajis02-327	368	24	system	system	NOUN
ajis02-327	368	25	was	be	AUX
ajis02-327	368	26	exposed	expose	VERB
ajis02-327	368	27	to	to	PART
ajis02-327	368	28	include	include	VERB
ajis02-327	368	29	switching	switch	VERB
ajis02-327	368	30	costs	cost	NOUN
ajis02-327	368	31	,	,	PUNCT
ajis02-327	368	32	capital	capital	NOUN
ajis02-327	368	33	investments	investment	NOUN
ajis02-327	368	34	,	,	PUNCT
ajis02-327	368	35	and	and	CCONJ
ajis02-327	368	36	network	network	NOUN
ajis02-327	368	37	externalities	externality	NOUN
ajis02-327	368	38	.	.	PUNCT
ajis02-327	369	1	while	while	SCONJ
ajis02-327	369	2	the	the	DET
ajis02-327	369	3	time	time	NOUN
ajis02-327	369	4	frame	frame	NOUN
ajis02-327	369	5	for	for	ADP
ajis02-327	369	6	carriers	carrier	NOUN
ajis02-327	369	7	and	and	CCONJ
ajis02-327	369	8	agents	agent	NOUN
ajis02-327	369	9	to	to	PART
ajis02-327	369	10	fully	fully	ADV
ajis02-327	369	11	integrate	integrate	VERB
ajis02-327	369	12	the	the	DET
ajis02-327	369	13	internet	internet	NOUN
ajis02-327	369	14	and	and	CCONJ
ajis02-327	369	15	related	related	ADJ
ajis02-327	369	16	technologies	technology	NOUN
ajis02-327	369	17	is	be	AUX
ajis02-327	369	18	uncertain	uncertain	ADJ
ajis02-327	369	19	,	,	PUNCT
ajis02-327	369	20	the	the	DET
ajis02-327	369	21	strategic	strategic	ADJ
ajis02-327	369	22	and	and	CCONJ
ajis02-327	369	23	business	business	NOUN
ajis02-327	369	24	issues	issue	NOUN
ajis02-327	369	25	need	need	VERB
ajis02-327	369	26	further	further	ADJ
ajis02-327	369	27	consideration	consideration	NOUN
ajis02-327	369	28	and	and	CCONJ
ajis02-327	369	29	analysis	analysis	NOUN
ajis02-327	369	30	to	to	PART
ajis02-327	369	31	help	help	VERB
ajis02-327	369	32	facilitate	facilitate	VERB
ajis02-327	369	33	the	the	DET
ajis02-327	369	34	industry	industry	NOUN
ajis02-327	369	35	's	's	PART
ajis02-327	369	36	transition	transition	NOUN
ajis02-327	369	37	toward	toward	ADP
ajis02-327	369	38	electronic	electronic	ADJ
ajis02-327	369	39	commerce	commerce	NOUN
ajis02-327	369	40	.	.	PUNCT
ajis02-327	370	1	overall	overall	ADJ
ajis02-327	370	2	conclusions	conclusion	NOUN
ajis02-327	370	3	the	the	DET
ajis02-327	370	4	research	research	NOUN
ajis02-327	370	5	objectives	objective	NOUN
ajis02-327	370	6	of	of	ADP
ajis02-327	370	7	this	this	DET
ajis02-327	370	8	study	study	NOUN
ajis02-327	370	9	were	be	AUX
ajis02-327	370	10	established	establish	VERB
ajis02-327	370	11	to	to	PART
ajis02-327	370	12	undertake	undertake	VERB
ajis02-327	370	13	exploratory	exploratory	ADJ
ajis02-327	370	14	study	study	NOUN
ajis02-327	370	15	on	on	ADP
ajis02-327	370	16	how	how	SCONJ
ajis02-327	370	17	the	the	DET
ajis02-327	370	18	internet	internet	NOUN
ajis02-327	370	19	,	,	PUNCT
ajis02-327	370	20	as	as	ADP
ajis02-327	370	21	an	an	DET
ajis02-327	370	22	electronic	electronic	ADJ
ajis02-327	370	23	market	market	NOUN
ajis02-327	370	24	,	,	PUNCT
ajis02-327	370	25	is	be	AUX
ajis02-327	370	26	changing	change	VERB
ajis02-327	370	27	the	the	DET
ajis02-327	370	28	american	american	ADJ
ajis02-327	370	29	independent	independent	PROPN
ajis02-327	370	30	insurance	insurance	PROPN
ajis02-327	370	31	agency	agency	NOUN
ajis02-327	370	32	system	system	NOUN
ajis02-327	370	33	.	.	PUNCT
ajis02-327	371	1	the	the	DET
ajis02-327	371	2	organisations	organisation	NOUN
ajis02-327	371	3	interviewed	interview	VERB
ajis02-327	371	4	for	for	ADP
ajis02-327	371	5	the	the	DET
ajis02-327	371	6	study	study	NOUN
ajis02-327	371	7	provided	provide	VERB
ajis02-327	371	8	perspectives	perspective	NOUN
ajis02-327	371	9	from	from	ADP
ajis02-327	371	10	the	the	DET
ajis02-327	371	11	insurance	insurance	NOUN
ajis02-327	371	12	producer	producer	NOUN
ajis02-327	371	13	's	's	PART
ajis02-327	371	14	point	point	NOUN
ajis02-327	371	15	of	of	ADP
ajis02-327	371	16	view	view	NOUN
ajis02-327	371	17	.	.	PUNCT
ajis02-327	372	1	the	the	DET
ajis02-327	372	2	intent	intent	NOUN
ajis02-327	372	3	of	of	ADP
ajis02-327	372	4	pursuing	pursue	VERB
ajis02-327	372	5	such	such	DET
ajis02-327	372	6	a	a	DET
ajis02-327	372	7	perspective	perspective	NOUN
ajis02-327	372	8	in	in	ADP
ajis02-327	372	9	this	this	DET
ajis02-327	372	10	study	study	NOUN
ajis02-327	372	11	was	be	AUX
ajis02-327	372	12	to	to	PART
ajis02-327	372	13	help	help	VERB
ajis02-327	372	14	independent	independent	ADJ
ajis02-327	372	15	insurance	insurance	NOUN
ajis02-327	372	16	agents	agent	NOUN
ajis02-327	372	17	understand	understand	VERB
ajis02-327	372	18	relevant	relevant	ADJ
ajis02-327	372	19	market	market	NOUN
ajis02-327	372	20	forces	force	NOUN
ajis02-327	372	21	and	and	CCONJ
ajis02-327	372	22	insurance	insurance	NOUN
ajis02-327	372	23	carrier	carrier	NOUN
ajis02-327	372	24	motivations	motivation	NOUN
ajis02-327	372	25	supporting	support	VERB
ajis02-327	372	26	internet	internet	NOUN
ajis02-327	372	27	participation	participation	NOUN
ajis02-327	372	28	,	,	PUNCT
ajis02-327	372	29	and	and	CCONJ
ajis02-327	372	30	to	to	PART
ajis02-327	372	31	improve	improve	VERB
ajis02-327	372	32	overall	overall	ADJ
ajis02-327	372	33	industry	industry	NOUN
ajis02-327	372	34	understanding	understanding	NOUN
ajis02-327	372	35	of	of	ADP
ajis02-327	372	36	how	how	SCONJ
ajis02-327	372	37	electronic	electronic	ADJ
ajis02-327	372	38	commerce	commerce	NOUN
ajis02-327	372	39	on	on	ADP
ajis02-327	372	40	the	the	DET
ajis02-327	372	41	internet	internet	NOUN
ajis02-327	372	42	impacts	impact	NOUN
ajis02-327	372	43	organisational	organisational	ADJ
ajis02-327	372	44	and	and	CCONJ
ajis02-327	372	45	market	market	NOUN
ajis02-327	372	46	structure	structure	NOUN
ajis02-327	372	47	.	.	PUNCT
ajis02-327	373	1	as	as	SCONJ
ajis02-327	373	2	the	the	DET
ajis02-327	373	3	findings	finding	NOUN
ajis02-327	373	4	indicate	indicate	VERB
ajis02-327	373	5	,	,	PUNCT
ajis02-327	373	6	a	a	DET
ajis02-327	373	7	number	number	NOUN
ajis02-327	373	8	of	of	ADP
ajis02-327	373	9	issues	issue	NOUN
ajis02-327	373	10	were	be	AUX
ajis02-327	373	11	explored	explore	VERB
ajis02-327	373	12	through	through	ADP
ajis02-327	373	13	the	the	DET
ajis02-327	373	14	interview	interview	NOUN
ajis02-327	373	15	process	process	NOUN
ajis02-327	373	16	to	to	PART
ajis02-327	373	17	provide	provide	VERB
ajis02-327	373	18	in	in	ADP
ajis02-327	373	19	-	-	PUNCT
ajis02-327	373	20	depth	depth	NOUN
ajis02-327	373	21	,	,	PUNCT
ajis02-327	373	22	contextual	contextual	ADJ
ajis02-327	373	23	understanding	understanding	NOUN
ajis02-327	373	24	of	of	ADP
ajis02-327	373	25	the	the	DET
ajis02-327	373	26	issues	issue	NOUN
ajis02-327	373	27	involved	involve	VERB
ajis02-327	373	28	with	with	ADP
ajis02-327	373	29	internet	internet	NOUN
ajis02-327	373	30	facilitated	facilitate	VERB
ajis02-327	373	31	electronic	electronic	ADJ
ajis02-327	373	32	commerce	commerce	NOUN
ajis02-327	373	33	related	relate	VERB
ajis02-327	373	34	to	to	ADP
ajis02-327	373	35	insurance	insurance	NOUN
ajis02-327	373	36	.	.	PUNCT
ajis02-327	374	1	during	during	ADP
ajis02-327	374	2	the	the	DET
ajis02-327	374	3	exploration	exploration	NOUN
ajis02-327	374	4	process	process	NOUN
ajis02-327	374	5	a	a	DET
ajis02-327	374	6	number	number	NOUN
ajis02-327	374	7	of	of	ADP
ajis02-327	374	8	unexpected	unexpected	ADJ
ajis02-327	374	9	issues	issue	NOUN
ajis02-327	374	10	were	be	AUX
ajis02-327	374	11	also	also	ADV
ajis02-327	374	12	uncovered	uncover	VERB
ajis02-327	374	13	and	and	CCONJ
ajis02-327	374	14	discussed	discuss	VERB
ajis02-327	374	15	.	.	PUNCT
ajis02-327	375	1	this	this	DET
ajis02-327	375	2	combination	combination	NOUN
ajis02-327	375	3	of	of	ADP
ajis02-327	375	4	established	established	ADJ
ajis02-327	375	5	and	and	CCONJ
ajis02-327	375	6	unexpected	unexpected	ADJ
ajis02-327	375	7	research	research	NOUN
ajis02-327	375	8	topics	topic	NOUN
ajis02-327	375	9	for	for	ADP
ajis02-327	375	10	study	study	NOUN
ajis02-327	375	11	and	and	CCONJ
ajis02-327	375	12	discussion	discussion	NOUN
ajis02-327	375	13	contributes	contribute	VERB
ajis02-327	375	14	in	in	ADP
ajis02-327	375	15	creating	create	VERB
ajis02-327	375	16	practical	practical	ADJ
ajis02-327	375	17	value	value	NOUN
ajis02-327	375	18	for	for	ADP
ajis02-327	375	19	those	those	PRON
ajis02-327	375	20	interested	interested	ADJ
ajis02-327	375	21	in	in	ADP
ajis02-327	375	22	understanding	understand	VERB
ajis02-327	375	23	current	current	ADJ
ajis02-327	375	24	complexities	complexity	NOUN
ajis02-327	375	25	and	and	CCONJ
ajis02-327	375	26	concerns	concern	NOUN
ajis02-327	375	27	regarding	regard	VERB
ajis02-327	375	28	the	the	DET
ajis02-327	375	29	growth	growth	NOUN
ajis02-327	375	30	of	of	ADP
ajis02-327	375	31	insurance	insurance	NOUN
ajis02-327	375	32	-	-	PUNCT
ajis02-327	375	33	based	base	VERB
ajis02-327	375	34	electronic	electronic	ADJ
ajis02-327	375	35	commerce	commerce	NOUN
ajis02-327	375	36	on	on	ADP
ajis02-327	375	37	the	the	DET
ajis02-327	375	38	internet	internet	NOUN
ajis02-327	375	39	thus	thus	ADV
ajis02-327	375	40	,	,	PUNCT
ajis02-327	375	41	the	the	DET
ajis02-327	375	42	research	research	NOUN
ajis02-327	375	43	significance	significance	NOUN
ajis02-327	375	44	of	of	ADP
ajis02-327	375	45	this	this	DET
ajis02-327	375	46	paper	paper	NOUN
ajis02-327	375	47	is	be	AUX
ajis02-327	375	48	its	its	PRON
ajis02-327	375	49	approach	approach	NOUN
ajis02-327	375	50	to	to	ADP
ajis02-327	375	51	presenting	present	VERB
ajis02-327	375	52	and	and	CCONJ
ajis02-327	375	53	discussing	discuss	VERB
ajis02-327	375	54	electronic	electronic	ADJ
ajis02-327	375	55	commerce	commerce	NOUN
ajis02-327	375	56	at	at	ADP
ajis02-327	375	57	a	a	DET
ajis02-327	375	58	general	general	ADJ
ajis02-327	375	59	,	,	PUNCT
ajis02-327	375	60	conceptual	conceptual	ADJ
ajis02-327	375	61	level	level	NOUN
ajis02-327	375	62	,	,	PUNCT
ajis02-327	375	63	the	the	DET
ajis02-327	375	64	creation	creation	NOUN
ajis02-327	375	65	of	of	ADP
ajis02-327	375	66	a	a	DET
ajis02-327	375	67	strategic	strategic	ADJ
ajis02-327	375	68	framework	framework	NOUN
ajis02-327	375	69	for	for	ADP
ajis02-327	375	70	assessing	assess	VERB
ajis02-327	375	71	electronic	electronic	ADJ
ajis02-327	375	72	commerce	commerce	NOUN
ajis02-327	375	73	by	by	ADP
ajis02-327	375	74	extracting	extract	VERB
ajis02-327	375	75	core	core	NOUN
ajis02-327	375	76	constructs	construct	NOUN
ajis02-327	375	77	and	and	CCONJ
ajis02-327	375	78	propositions	proposition	NOUN
ajis02-327	375	79	from	from	ADP
ajis02-327	375	80	such	such	DET
ajis02-327	375	81	a	a	DET
ajis02-327	375	82	presentation	presentation	NOUN
ajis02-327	375	83	,	,	PUNCT
ajis02-327	375	84	and	and	CCONJ
ajis02-327	375	85	applying	apply	VERB
ajis02-327	375	86	the	the	DET
ajis02-327	375	87	framework	framework	NOUN
ajis02-327	375	88	to	to	ADP
ajis02-327	375	89	a	a	DET
ajis02-327	375	90	specific	specific	ADJ
ajis02-327	375	91	industry	industry	NOUN
ajis02-327	375	92	.	.	PUNCT
ajis02-327	376	1	from	from	ADP
ajis02-327	376	2	the	the	DET
ajis02-327	376	3	data	datum	NOUN
ajis02-327	376	4	collected	collect	VERB
ajis02-327	376	5	during	during	ADP
ajis02-327	376	6	the	the	DET
ajis02-327	376	7	interviews	interview	NOUN
ajis02-327	376	8	it	it	PRON
ajis02-327	376	9	can	can	AUX
ajis02-327	376	10	be	be	AUX
ajis02-327	376	11	concluded	conclude	VERB
ajis02-327	376	12	that	that	SCONJ
ajis02-327	376	13	the	the	DET
ajis02-327	376	14	internet	internet	NOUN
ajis02-327	376	15	is	be	AUX
ajis02-327	376	16	beginning	begin	VERB
ajis02-327	376	17	to	to	PART
ajis02-327	376	18	have	have	VERB
ajis02-327	376	19	a	a	DET
ajis02-327	376	20	profound	profound	ADJ
ajis02-327	376	21	impact	impact	NOUN
ajis02-327	376	22	on	on	ADP
ajis02-327	376	23	the	the	DET
ajis02-327	376	24	american	american	ADJ
ajis02-327	376	25	independent	independent	ADJ
ajis02-327	376	26	agency	agency	NOUN
ajis02-327	376	27	system	system	NOUN
ajis02-327	376	28	.	.	PUNCT
ajis02-327	377	1	the	the	DET
ajis02-327	377	2	common	common	ADJ
ajis02-327	377	3	theme	theme	NOUN
ajis02-327	377	4	throughout	throughout	ADP
ajis02-327	377	5	the	the	DET
ajis02-327	377	6	study	study	NOUN
ajis02-327	377	7	was	be	AUX
ajis02-327	377	8	the	the	DET
ajis02-327	377	9	existence	existence	NOUN
ajis02-327	377	10	of	of	ADP
ajis02-327	377	11	organisational	organisational	ADJ
ajis02-327	377	12	awareness	awareness	NOUN
ajis02-327	377	13	of	of	ADP
ajis02-327	377	14	a	a	DET
ajis02-327	377	15	growing	grow	VERB
ajis02-327	377	16	internet	internet	NOUN
ajis02-327	377	17	role	role	NOUN
ajis02-327	377	18	in	in	ADP
ajis02-327	377	19	the	the	DET
ajis02-327	377	20	insurance	insurance	NOUN
ajis02-327	377	21	industry	industry	NOUN
ajis02-327	377	22	,	,	PUNCT
ajis02-327	377	23	and	and	CCONJ
ajis02-327	377	24	strategic	strategic	ADJ
ajis02-327	377	25	planning	planning	NOUN
ajis02-327	377	26	and	and	CCONJ
ajis02-327	377	27	operations	operation	NOUN
ajis02-327	377	28	for	for	ADP
ajis02-327	377	29	building	build	VERB
ajis02-327	377	30	the	the	DET
ajis02-327	377	31	reliance	reliance	NOUN
ajis02-327	377	32	on	on	ADP
ajis02-327	377	33	and	and	CCONJ
ajis02-327	377	34	use	use	NOUN
ajis02-327	377	35	of	of	ADP
ajis02-327	377	36	the	the	DET
ajis02-327	377	37	medium	medium	NOUN
ajis02-327	377	38	.	.	PUNCT
ajis02-327	378	1	other	other	ADJ
ajis02-327	378	2	conclusions	conclusion	NOUN
ajis02-327	378	3	that	that	PRON
ajis02-327	378	4	can	can	AUX
ajis02-327	378	5	be	be	AUX
ajis02-327	378	6	drawn	draw	VERB
ajis02-327	378	7	from	from	ADP
ajis02-327	378	8	the	the	DET
ajis02-327	378	9	study	study	NOUN
ajis02-327	378	10	include	include	VERB
ajis02-327	378	11	the	the	DET
ajis02-327	378	12	internet	internet	NOUN
ajis02-327	378	13	's	's	PART
ajis02-327	378	14	ability	ability	NOUN
ajis02-327	378	15	to	to	PART
ajis02-327	378	16	offer	offer	VERB
ajis02-327	378	17	organisations	organisation	NOUN
ajis02-327	378	18	new	new	ADJ
ajis02-327	378	19	methods	method	NOUN
ajis02-327	378	20	and	and	CCONJ
ajis02-327	378	21	practices	practice	NOUN
ajis02-327	378	22	for	for	ADP
ajis02-327	378	23	conducting	conduct	VERB
ajis02-327	378	24	business	business	NOUN
ajis02-327	378	25	,	,	PUNCT
ajis02-327	378	26	including	include	VERB
ajis02-327	378	27	:	:	PUNCT
ajis02-327	378	28	•	•	NUM
ajis02-327	378	29	enabling	enable	VERB
ajis02-327	378	30	more	more	ADJ
ajis02-327	378	31	information	information	NOUN
ajis02-327	378	32	to	to	PART
ajis02-327	378	33	be	be	AUX
ajis02-327	378	34	communicated	communicate	VERB
ajis02-327	378	35	in	in	ADP
ajis02-327	378	36	the	the	DET
ajis02-327	378	37	same	same	ADJ
ajis02-327	378	38	amount	amount	NOUN
ajis02-327	378	39	of	of	ADP
ajis02-327	378	40	time	time	NOUN
ajis02-327	378	41	and	and	CCONJ
ajis02-327	378	42	decrease	decrease	VERB
ajis02-327	378	43	the	the	DET
ajis02-327	378	44	costs	cost	NOUN
ajis02-327	378	45	of	of	ADP
ajis02-327	378	46	communication	communication	NOUN
ajis02-327	378	47	•	•	ADP
ajis02-327	378	48	providing	provide	VERB
ajis02-327	378	49	a	a	DET
ajis02-327	378	50	medium	medium	NOUN
ajis02-327	378	51	to	to	PART
ajis02-327	378	52	connect	connect	VERB
ajis02-327	378	53	many	many	ADJ
ajis02-327	378	54	different	different	ADJ
ajis02-327	378	55	buyers	buyer	NOUN
ajis02-327	378	56	and	and	CCONJ
ajis02-327	378	57	sellers	seller	NOUN
ajis02-327	378	58	,	,	PUNCT
ajis02-327	378	59	and	and	CCONJ
ajis02-327	378	60	facilitate	facilitate	NOUN
ajis02-327	378	61	product	product	NOUN
ajis02-327	378	62	offering	offering	NOUN
ajis02-327	378	63	and	and	CCONJ
ajis02-327	378	64	buyer	buyer	NOUN
ajis02-327	378	65	need	need	VERB
ajis02-327	378	66	matching	match	VERB
ajis02-327	378	67	39	39	NUM
ajis02-327	378	68	ajis	aji	NOUN
ajis02-327	378	69	special	special	PROPN
ajis02-327	378	70	edition	edition	NOUN
ajis02-327	378	71	electronic	electronic	PROPN
ajis02-327	378	72	commerce	commerce	PROPN
ajis02-327	378	73	november	november	PROPN
ajis02-327	378	74	1998	1998	NUM
ajis02-327	378	75	•	•	ADP
ajis02-327	378	76	allowing	allow	VERB
ajis02-327	378	77	organisations	organisation	NOUN
ajis02-327	378	78	to	to	PART
ajis02-327	378	79	change	change	VERB
ajis02-327	378	80	business	business	NOUN
ajis02-327	378	81	processes	process	NOUN
ajis02-327	378	82	and	and	CCONJ
ajis02-327	378	83	information	information	NOUN
ajis02-327	378	84	usage	usage	NOUN
ajis02-327	378	85	methods	method	NOUN
ajis02-327	378	86	•	•	ADV
ajis02-327	378	87	changing	change	VERB
ajis02-327	378	88	traditional	traditional	ADJ
ajis02-327	378	89	market	market	NOUN
ajis02-327	378	90	relationships	relationship	NOUN
ajis02-327	378	91	to	to	PART
ajis02-327	378	92	favour	favour	VERB
ajis02-327	378	93	greater	great	ADJ
ajis02-327	378	94	efficiency	efficiency	NOUN
ajis02-327	378	95	and	and	CCONJ
ajis02-327	378	96	productivity	productivity	NOUN
ajis02-327	378	97	with	with	ADP
ajis02-327	378	98	increased	increase	VERB
ajis02-327	378	99	market	market	NOUN
ajis02-327	378	100	value	value	NOUN
ajis02-327	378	101	•	•	NOUN
ajis02-327	378	102	encouraging	encourage	VERB
ajis02-327	378	103	sellers	seller	NOUN
ajis02-327	378	104	to	to	PART
ajis02-327	378	105	differentiate	differentiate	VERB
ajis02-327	378	106	their	their	PRON
ajis02-327	378	107	product	product	NOUN
ajis02-327	378	108	to	to	PART
ajis02-327	378	109	prevent	prevent	VERB
ajis02-327	378	110	commoditisation	commoditisation	NOUN
ajis02-327	378	111	•	•	NOUN
ajis02-327	378	112	increasing	increase	VERB
ajis02-327	378	113	the	the	DET
ajis02-327	378	114	possibility	possibility	NOUN
ajis02-327	378	115	of	of	ADP
ajis02-327	378	116	disintermediation	disintermediation	NOUN
ajis02-327	378	117	,	,	PUNCT
ajis02-327	378	118	with	with	ADP
ajis02-327	378	119	an	an	DET
ajis02-327	378	120	overall	overall	ADJ
ajis02-327	378	121	emphasis	emphasis	NOUN
ajis02-327	378	122	on	on	ADP
ajis02-327	378	123	the	the	DET
ajis02-327	378	124	value	value	NOUN
ajis02-327	378	125	of	of	ADP
ajis02-327	378	126	different	different	ADJ
ajis02-327	378	127	possible	possible	ADJ
ajis02-327	378	128	electronic	electronic	ADJ
ajis02-327	378	129	market	market	NOUN
ajis02-327	378	130	intermediary	intermediary	NOUN
ajis02-327	378	131	roles	role	NOUN
ajis02-327	378	132	(	(	PUNCT
ajis02-327	378	133	for	for	ADP
ajis02-327	378	134	more	more	ADJ
ajis02-327	378	135	information	information	NOUN
ajis02-327	378	136	see	see	VERB
ajis02-327	378	137	figure	figure	NOUN
ajis02-327	378	138	4.3	4.3	NUM
ajis02-327	378	139	)	)	PUNCT
ajis02-327	378	140	it	it	PRON
ajis02-327	378	141	is	be	AUX
ajis02-327	378	142	important	important	ADJ
ajis02-327	378	143	to	to	PART
ajis02-327	378	144	again	again	ADV
ajis02-327	378	145	note	note	VERB
ajis02-327	378	146	the	the	DET
ajis02-327	378	147	qualitative	qualitative	ADJ
ajis02-327	378	148	nature	nature	NOUN
ajis02-327	378	149	of	of	ADP
ajis02-327	378	150	this	this	DET
ajis02-327	378	151	study	study	NOUN
ajis02-327	378	152	.	.	PUNCT
ajis02-327	379	1	to	to	PART
ajis02-327	379	2	successfully	successfully	ADV
ajis02-327	379	3	achieve	achieve	VERB
ajis02-327	379	4	the	the	DET
ajis02-327	379	5	research	research	NOUN
ajis02-327	379	6	objectives	objective	NOUN
ajis02-327	379	7	of	of	ADP
ajis02-327	379	8	this	this	DET
ajis02-327	379	9	paper	paper	NOUN
ajis02-327	379	10	qualitative	qualitative	NOUN
ajis02-327	379	11	research	research	NOUN
ajis02-327	379	12	was	be	AUX
ajis02-327	379	13	selected	select	VERB
ajis02-327	379	14	,	,	PUNCT
ajis02-327	379	15	primarily	primarily	ADV
ajis02-327	379	16	due	due	ADP
ajis02-327	379	17	to	to	ADP
ajis02-327	379	18	the	the	PRON
ajis02-327	379	19	.	.	PUNCT
ajis02-327	380	1	early	early	ADJ
ajis02-327	380	2	stage	stage	NOUN
ajis02-327	380	3	of	of	ADP
ajis02-327	380	4	theory	theory	NOUN
ajis02-327	380	5	building	build	VERB
ajis02-327	380	6	in	in	ADP
ajis02-327	380	7	the	the	DET
ajis02-327	380	8	chosen	choose	VERB
ajis02-327	380	9	research	research	NOUN
ajis02-327	380	10	topic	topic	NOUN
ajis02-327	380	11	area	area	NOUN
ajis02-327	380	12	.	.	PUNCT
ajis02-327	381	1	possible	possible	ADJ
ajis02-327	381	2	future	future	ADJ
ajis02-327	381	3	research	research	NOUN
ajis02-327	381	4	includes	include	VERB
ajis02-327	381	5	the	the	DET
ajis02-327	381	6	development	development	NOUN
ajis02-327	381	7	of	of	ADP
ajis02-327	381	8	a	a	DET
ajis02-327	381	9	larger	large	ADJ
ajis02-327	381	10	study	study	NOUN
ajis02-327	381	11	sample	sample	NOUN
ajis02-327	381	12	with	with	ADP
ajis02-327	381	13	a	a	DET
ajis02-327	381	14	less	less	ADV
ajis02-327	381	15	qualitative	qualitative	ADJ
ajis02-327	381	16	structure	structure	NOUN
ajis02-327	381	17	to	to	PART
ajis02-327	381	18	provide	provide	VERB
ajis02-327	381	19	a	a	DET
ajis02-327	381	20	more	more	ADJ
ajis02-327	381	21	in	in	ADP
ajis02-327	381	22	-	-	PUNCT
ajis02-327	381	23	depth	depth	NOUN
ajis02-327	381	24	,	,	PUNCT
ajis02-327	381	25	less	less	ADV
ajis02-327	381	26	narrow	narrow	ADJ
ajis02-327	381	27	,	,	PUNCT
ajis02-327	381	28	empirically	empirically	ADV
ajis02-327	381	29	grounded	ground	VERB
ajis02-327	381	30	research	research	NOUN
ajis02-327	381	31	study	study	NOUN
ajis02-327	381	32	.	.	PUNCT
ajis02-327	382	1	due	due	ADP
ajis02-327	382	2	to	to	ADP
ajis02-327	382	3	the	the	DET
ajis02-327	382	4	lack	lack	NOUN
ajis02-327	382	5	of	of	ADP
ajis02-327	382	6	established	establish	VERB
ajis02-327	382	7	academic	academic	ADJ
ajis02-327	382	8	and	and	CCONJ
ajis02-327	382	9	insurance	insurance	NOUN
ajis02-327	382	10	industry	industry	NOUN
ajis02-327	382	11	theories	theory	NOUN
ajis02-327	382	12	pertaining	pertain	VERB
ajis02-327	382	13	to	to	ADP
ajis02-327	382	14	the	the	DET
ajis02-327	382	15	internet	internet	NOUN
ajis02-327	382	16	's	's	PART
ajis02-327	382	17	ability	ability	NOUN
ajis02-327	382	18	to	to	PART
ajis02-327	382	19	facilitate	facilitate	VERB
ajis02-327	382	20	insurance	insurance	NOUN
ajis02-327	382	21	related	relate	VERB
ajis02-327	382	22	electronic	electronic	ADJ
ajis02-327	382	23	commerce	commerce	NOUN
ajis02-327	382	24	in	in	ADP
ajis02-327	382	25	a	a	DET
ajis02-327	382	26	market	market	NOUN
ajis02-327	382	27	environment	environment	NOUN
ajis02-327	382	28	at	at	ADP
ajis02-327	382	29	present	present	ADJ
ajis02-327	382	30	,	,	PUNCT
ajis02-327	382	31	such	such	DET
ajis02-327	382	32	an	an	DET
ajis02-327	382	33	approach	approach	NOUN
ajis02-327	382	34	was	be	AUX
ajis02-327	382	35	not	not	PART
ajis02-327	382	36	taken	take	VERB
ajis02-327	382	37	.	.	PUNCT
ajis02-327	383	1	study	study	NOUN
ajis02-327	383	2	weaknesses	weakness	NOUN
ajis02-327	383	3	were	be	AUX
ajis02-327	383	4	minimised	minimise	VERB
ajis02-327	383	5	as	as	ADV
ajis02-327	383	6	much	much	ADV
ajis02-327	383	7	as	as	ADP
ajis02-327	383	8	possible	possible	ADJ
ajis02-327	383	9	,	,	PUNCT
ajis02-327	383	10	to	to	PART
ajis02-327	383	11	maximise	maximise	VERB
ajis02-327	383	12	the	the	DET
ajis02-327	383	13	practical	practical	ADJ
ajis02-327	383	14	and	and	CCONJ
ajis02-327	383	15	research	research	NOUN
ajis02-327	383	16	significance	significance	NOUN
ajis02-327	383	17	of	of	ADP
ajis02-327	383	18	the	the	DET
ajis02-327	383	19	study	study	NOUN
ajis02-327	383	20	.	.	PUNCT
ajis02-327	384	1	additional	additional	ADJ
ajis02-327	384	2	empirical	empirical	ADJ
ajis02-327	384	3	and	and	CCONJ
ajis02-327	384	4	conceptual	conceptual	ADJ
ajis02-327	384	5	research	research	NOUN
ajis02-327	384	6	needs	need	VERB
ajis02-327	384	7	to	to	PART
ajis02-327	384	8	be	be	AUX
ajis02-327	384	9	undertaken	undertake	VERB
ajis02-327	384	10	to	to	PART
ajis02-327	384	11	explore	explore	VERB
ajis02-327	384	12	and	and	CCONJ
ajis02-327	384	13	test	test	VERB
ajis02-327	384	14	the	the	DET
ajis02-327	384	15	issues	issue	NOUN
ajis02-327	384	16	that	that	PRON
ajis02-327	384	17	emerged	emerge	VERB
ajis02-327	384	18	during	during	ADP
ajis02-327	384	19	this	this	DET
ajis02-327	384	20	study	study	NOUN
ajis02-327	384	21	.	.	PUNCT
ajis02-327	385	1	finally	finally	ADV
ajis02-327	385	2	,	,	PUNCT
ajis02-327	385	3	as	as	SCONJ
ajis02-327	385	4	internet	internet	NOUN
ajis02-327	385	5	technologies	technology	NOUN
ajis02-327	385	6	develop	develop	VERB
ajis02-327	385	7	and	and	CCONJ
ajis02-327	385	8	insurance	insurance	NOUN
ajis02-327	385	9	industry	industry	NOUN
ajis02-327	385	10	adoption	adoption	NOUN
ajis02-327	385	11	of	of	ADP
ajis02-327	385	12	electronic	electronic	ADJ
ajis02-327	385	13	commerce	commerce	NOUN
ajis02-327	385	14	increases	increase	NOUN
ajis02-327	385	15	,	,	PUNCT
ajis02-327	385	16	additional	additional	ADJ
ajis02-327	385	17	research	research	NOUN
ajis02-327	385	18	should	should	AUX
ajis02-327	385	19	be	be	AUX
ajis02-327	385	20	conducted	conduct	VERB
ajis02-327	385	21	to	to	PART
ajis02-327	385	22	evaluate	evaluate	VERB
ajis02-327	385	23	the	the	DET
ajis02-327	385	24	long	long	ADJ
ajis02-327	385	25	term	term	NOUN
ajis02-327	385	26	strategic	strategic	ADJ
ajis02-327	385	27	outlook	outlook	NOUN
ajis02-327	385	28	for	for	ADP
ajis02-327	385	29	the	the	DET
ajis02-327	385	30	american	american	ADJ
ajis02-327	385	31	independent	independent	ADJ
ajis02-327	385	32	agency	agency	NOUN
ajis02-327	385	33	system	system	NOUN
ajis02-327	385	34	.	.	PUNCT
ajis02-327	386	1	references	reference	NOUN
ajis02-327	386	2	bailey	bailey	PROPN
ajis02-327	386	3	,	,	PUNCT
ajis02-327	386	4	joseph	joseph	PROPN
ajis02-327	386	5	p.	p.	PROPN
ajis02-327	386	6	and	and	CCONJ
ajis02-327	386	7	j.	j.	PROPN
ajis02-327	386	8	yannis	yannis	PROPN
ajis02-327	386	9	bakos	bakos	PROPN
ajis02-327	386	10	(	(	PUNCT
ajis02-327	386	11	1997	1997	NUM
ajis02-327	386	12	):	):	PUNCT
ajis02-327	386	13	"	"	PUNCT
ajis02-327	386	14	an	an	DET
ajis02-327	386	15	exploratory	exploratory	ADJ
ajis02-327	386	16	study	study	NOUN
ajis02-327	386	17	of	of	ADP
ajis02-327	386	18	the	the	DET
ajis02-327	386	19	emerging	emerge	VERB
ajis02-327	386	20	role	role	NOUN
ajis02-327	386	21	of	of	ADP
ajis02-327	386	22	electronic	electronic	ADJ
ajis02-327	386	23	intermediaries	intermediary	NOUN
ajis02-327	386	24	"	"	PUNCT
ajis02-327	386	25	,	,	PUNCT
ajis02-327	386	26	international	international	ADJ
ajis02-327	386	27	journal	journal	NOUN
ajis02-327	386	28	of	of	ADP
ajis02-327	386	29	electronic	electronic	ADJ
ajis02-327	386	30	commerce	commerce	NOUN
ajis02-327	386	31	,	,	PUNCT
ajis02-327	386	32	vol	vol	NOUN
ajis02-327	386	33	1	1	NUM
ajis02-327	386	34	,	,	PUNCT
ajis02-327	386	35	no	no	DET
ajis02-327	386	36	3	3	NUM
ajis02-327	386	37	,	,	PUNCT
ajis02-327	386	38	pp	pp	PROPN
ajis02-327	386	39	.	.	PUNCT
ajis02-327	387	1	bakos	bakos	PROPN
ajis02-327	387	2	,	,	PUNCT
ajis02-327	387	3	j.y	j.y	PROPN
ajis02-327	387	4	.	.	PROPN
ajis02-327	387	5	(	(	PUNCT
ajis02-327	387	6	1991	1991	NUM
ajis02-327	387	7	):	):	PUNCT
ajis02-327	387	8	"	"	PUNCT
ajis02-327	387	9	information	information	NOUN
ajis02-327	387	10	links	link	NOUN
ajis02-327	387	11	and	and	CCONJ
ajis02-327	387	12	electronic	electronic	ADJ
ajis02-327	387	13	marketplaces	marketplace	NOUN
ajis02-327	387	14	:	:	PUNCT
ajis02-327	387	15	the	the	DET
ajis02-327	387	16	role	role	NOUN
ajis02-327	387	17	of	of	ADP
ajis02-327	387	18	interogranizational	interogranizational	ADJ
ajis02-327	387	19	information	information	NOUN
ajis02-327	387	20	systems	system	NOUN
ajis02-327	387	21	in	in	ADP
ajis02-327	387	22	vertical	vertical	ADJ
ajis02-327	387	23	markets	market	NOUN
ajis02-327	387	24	"	"	PUNCT
ajis02-327	387	25	,	,	PUNCT
ajis02-327	387	26	journal	journal	NOUN
ajis02-327	387	27	of	of	ADP
ajis02-327	387	28	management	management	NOUN
ajis02-327	387	29	information	information	NOUN
ajis02-327	387	30	systems	system	NOUN
ajis02-327	387	31	,	,	PUNCT
ajis02-327	387	32	x	x	X
ajis02-327	387	33	,	,	PUNCT
ajis02-327	387	34	x	x	X
ajis02-327	387	35	,	,	PUNCT
ajis02-327	387	36	pp	pp	PROPN
ajis02-327	387	37	.	.	PUNCT
ajis02-327	388	1	bakos	bakos	PROPN
ajis02-327	388	2	,	,	PUNCT
ajis02-327	388	3	j.y	j.y	PROPN
ajis02-327	388	4	.	.	PROPN
ajis02-327	388	5	(	(	PUNCT
ajis02-327	388	6	1991b	1991b	NUM
ajis02-327	388	7	):	):	PUNCT
ajis02-327	388	8	"	"	PUNCT
ajis02-327	388	9	a	a	DET
ajis02-327	388	10	strategic	strategic	ADJ
ajis02-327	388	11	analysis	analysis	NOUN
ajis02-327	388	12	of	of	ADP
ajis02-327	388	13	electronic	electronic	ADJ
ajis02-327	388	14	marketplaces	marketplace	NOUN
ajis02-327	388	15	"	"	PUNCT
ajis02-327	388	16	,	,	PUNCT
ajis02-327	388	17	mis	mis	PROPN
ajis02-327	388	18	quarterly	quarterly	PROPN
ajis02-327	388	19	,	,	PUNCT
ajis02-327	388	20	september	september	PROPN
ajis02-327	388	21	,	,	PUNCT
ajis02-327	388	22	x	x	X
ajis02-327	388	23	,	,	PUNCT
ajis02-327	388	24	x	x	SYM
ajis02-327	388	25	,	,	PUNCT
ajis02-327	388	26	295	295	NUM
ajis02-327	388	27	-	-	SYM
ajis02-327	388	28	310	310	NUM
ajis02-327	388	29	.	.	PUNCT
ajis02-327	389	1	bakos	bakos	PROPN
ajis02-327	389	2	,	,	PUNCT
ajis02-327	389	3	j.y	j.y	PROPN
ajis02-327	389	4	.	.	PROPN
ajis02-327	389	5	(	(	PUNCT
ajis02-327	389	6	1997	1997	NUM
ajis02-327	389	7	):	):	PUNCT
ajis02-327	389	8	"	"	PUNCT
ajis02-327	389	9	reducing	reduce	VERB
ajis02-327	389	10	buyer	buyer	NOUN
ajis02-327	389	11	search	search	NOUN
ajis02-327	389	12	costs	cost	NOUN
ajis02-327	389	13	:	:	PUNCT
ajis02-327	389	14	implications	implication	NOUN
ajis02-327	389	15	for	for	ADP
ajis02-327	389	16	electronic	electronic	ADJ
ajis02-327	389	17	marketplaces	marketplace	NOUN
ajis02-327	389	18	"	"	PUNCT
ajis02-327	389	19	,	,	PUNCT
ajis02-327	389	20	management	management	NOUN
ajis02-327	389	21	science	science	NOUN
ajis02-327	389	22	,	,	PUNCT
ajis02-327	389	23	december	december	PROPN
ajis02-327	389	24	,	,	PUNCT
ajis02-327	389	25	x	x	X
ajis02-327	389	26	,	,	PUNCT
ajis02-327	389	27	x	x	X
ajis02-327	389	28	,	,	PUNCT
ajis02-327	389	29	pp	pp	PROPN
ajis02-327	389	30	.	.	PUNCT
ajis02-327	390	1	bakos	bakos	PROPN
ajis02-327	390	2	,	,	PUNCT
ajis02-327	390	3	j.y	j.y	PROPN
ajis02-327	390	4	.	.	PROPN
ajis02-327	390	5	and	and	CCONJ
ajis02-327	390	6	brynjolfsson	brynjolfsson	PROPN
ajis02-327	390	7	,	,	PUNCT
ajis02-327	390	8	e.	e.	PROPN
ajis02-327	390	9	(	(	PUNCT
ajis02-327	390	10	1993	1993	NUM
ajis02-327	390	11	):	):	PUNCT
ajis02-327	390	12	"	"	PUNCT
ajis02-327	390	13	from	from	ADP
ajis02-327	390	14	vendors	vendor	NOUN
ajis02-327	390	15	to	to	ADP
ajis02-327	390	16	partners	partner	NOUN
ajis02-327	390	17	:	:	PUNCT
ajis02-327	390	18	information	information	NOUN
ajis02-327	390	19	technology	technology	NOUN
ajis02-327	390	20	and	and	CCONJ
ajis02-327	390	21	incomplete	incomplete	ADJ
ajis02-327	390	22	contracts	contract	NOUN
ajis02-327	390	23	in	in	ADP
ajis02-327	390	24	buyer	buyer	NOUN
ajis02-327	390	25	-	-	PUNCT
ajis02-327	390	26	supplier	supplier	NOUN
ajis02-327	390	27	relationships	relationship	NOUN
ajis02-327	390	28	"	"	PUNCT
ajis02-327	390	29	,	,	PUNCT
ajis02-327	390	30	journal	journal	NOUN
ajis02-327	390	31	of	of	ADP
ajis02-327	390	32	organisational	organisational	ADJ
ajis02-327	390	33	computing	computing	NOUN
ajis02-327	390	34	,	,	PUNCT
ajis02-327	390	35	x	x	X
ajis02-327	390	36	,	,	PUNCT
ajis02-327	390	37	x	x	PROPN
ajis02-327	390	38	,	,	PUNCT
ajis02-327	390	39	301	301	NUM
ajis02-327	390	40	-	-	SYM
ajis02-327	390	41	328	328	NUM
ajis02-327	390	42	.	.	PUNCT
ajis02-327	391	1	banham	banham	PROPN
ajis02-327	391	2	,	,	PUNCT
ajis02-327	391	3	russ	russ	PROPN
ajis02-327	391	4	(	(	PUNCT
ajis02-327	391	5	1997	1997	NUM
ajis02-327	391	6	):	):	PUNCT
ajis02-327	391	7	"	"	PUNCT
ajis02-327	391	8	cyber	cyber	NOUN
ajis02-327	391	9	-	-	PUNCT
ajis02-327	391	10	agents	agent	NOUN
ajis02-327	391	11	"	"	PUNCT
ajis02-327	391	12	,	,	PUNCT
ajis02-327	391	13	independent	independent	ADJ
ajis02-327	391	14	agent	agent	NOUN
ajis02-327	391	15	magazine	magazine	NOUN
ajis02-327	391	16	,	,	PUNCT
ajis02-327	391	17	february	february	PROPN
ajis02-327	391	18	,	,	PUNCT
ajis02-327	391	19	16	16	NUM
ajis02-327	391	20	-	-	SYM
ajis02-327	391	21	21	21	NUM
ajis02-327	391	22	.	.	PUNCT
ajis02-327	392	1	barrett	barrett	PROPN
ajis02-327	392	2	,	,	PUNCT
ajis02-327	392	3	s.	s.	PROPN
ajis02-327	392	4	and	and	CCONJ
ajis02-327	392	5	konsynski	konsynski	PROPN
ajis02-327	392	6	,	,	PUNCT
ajis02-327	392	7	b.	b.	PROPN
ajis02-327	392	8	(	(	PUNCT
ajis02-327	392	9	1982	1982	NUM
ajis02-327	392	10	):	):	PUNCT
ajis02-327	392	11	"	"	PUNCT
ajis02-327	392	12	inter	inter	ADJ
ajis02-327	392	13	-	-	ADJ
ajis02-327	392	14	organisation	organisation	ADJ
ajis02-327	392	15	information	information	NOUN
ajis02-327	392	16	sharing	sharing	NOUN
ajis02-327	392	17	systems	system	NOUN
ajis02-327	392	18	"	"	PUNCT
ajis02-327	392	19	,	,	PUNCT
ajis02-327	392	20	mis	mis	PROPN
ajis02-327	392	21	quarterly	quarterly	PROPN
ajis02-327	392	22	,	,	PUNCT
ajis02-327	392	23	x	x	X
ajis02-327	392	24	,	,	PUNCT
ajis02-327	392	25	x	x	SYM
ajis02-327	392	26	,	,	PUNCT
ajis02-327	392	27	93	93	NUM
ajis02-327	392	28	-	-	SYM
ajis02-327	392	29	105	105	NUM
ajis02-327	392	30	.	.	PUNCT
ajis02-327	393	1	benjamin	benjamin	PROPN
ajis02-327	393	2	,	,	PUNCT
ajis02-327	393	3	r.	r.	PROPN
ajis02-327	393	4	and	and	CCONJ
ajis02-327	393	5	wigand	wigand	PROPN
ajis02-327	393	6	r.	r.	PROPN
ajis02-327	393	7	(	(	PUNCT
ajis02-327	393	8	1995	1995	NUM
ajis02-327	393	9	):	):	PUNCT
ajis02-327	393	10	"	"	PUNCT
ajis02-327	393	11	electronic	electronic	ADJ
ajis02-327	393	12	commerce	commerce	NOUN
ajis02-327	393	13	:	:	PUNCT
ajis02-327	393	14	effects	effect	NOUN
ajis02-327	393	15	on	on	ADP
ajis02-327	393	16	electronic	electronic	ADJ
ajis02-327	393	17	markets	market	NOUN
ajis02-327	393	18	"	"	PUNCT
ajis02-327	393	19	,	,	PUNCT
ajis02-327	393	20	journal	journal	NOUN
ajis02-327	393	21	of	of	ADP
ajis02-327	393	22	computer	computer	NOUN
ajis02-327	393	23	mediated	mediate	VERB
ajis02-327	393	24	-	-	PUNCT
ajis02-327	393	25	communication	communication	NOUN
ajis02-327	393	26	,	,	PUNCT
ajis02-327	393	27	3,1	3,1	NUM
ajis02-327	393	28	-	-	SYM
ajis02-327	393	29	14	14	NUM
ajis02-327	393	30	.	.	PUNCT
ajis02-327	394	1	benjamin	benjamin	PROPN
ajis02-327	394	2	,	,	PUNCT
ajis02-327	394	3	r.	r.	PROPN
ajis02-327	394	4	and	and	CCONJ
ajis02-327	394	5	wigand	wigand	PROPN
ajis02-327	394	6	r.	r.	PROPN
ajis02-327	394	7	(	(	PUNCT
ajis02-327	394	8	1995b	1995b	NUM
ajis02-327	394	9	):	):	PUNCT
ajis02-327	394	10	"	"	PUNCT
ajis02-327	394	11	electronic	electronic	ADJ
ajis02-327	394	12	markets	market	NOUN
ajis02-327	394	13	and	and	CCONJ
ajis02-327	394	14	virtual	virtual	ADJ
ajis02-327	394	15	value	value	NOUN
ajis02-327	394	16	chains	chain	NOUN
ajis02-327	394	17	on	on	ADP
ajis02-327	394	18	the	the	DET
ajis02-327	394	19	information	information	NOUN
ajis02-327	394	20	superhighway	superhighway	NOUN
ajis02-327	394	21	"	"	PUNCT
ajis02-327	394	22	,	,	PUNCT
ajis02-327	394	23	sloan	sloan	PROPN
ajis02-327	394	24	management	management	PROPN
ajis02-327	394	25	review	review	PROPN
ajis02-327	394	26	,	,	PUNCT
ajis02-327	394	27	winter	winter	NOUN
ajis02-327	394	28	,	,	PUNCT
ajis02-327	394	29	62	62	NUM
ajis02-327	394	30	-	-	SYM
ajis02-327	394	31	72	72	NUM
ajis02-327	394	32	.	.	PUNCT
ajis02-327	394	33	block	block	NOUN
ajis02-327	394	34	,	,	PUNCT
ajis02-327	394	35	michael	michael	PROPN
ajis02-327	394	36	,	,	PUNCT
ajis02-327	394	37	yves	yve	NOUN
ajis02-327	394	38	pigneur	pigneur	NOUN
ajis02-327	394	39	and	and	CCONJ
ajis02-327	394	40	arie	arie	PROPN
ajis02-327	394	41	segev	segev	NOUN
ajis02-327	394	42	(	(	PUNCT
ajis02-327	394	43	1996	1996	NUM
ajis02-327	394	44	):	):	PUNCT
ajis02-327	394	45	"	"	PUNCT
ajis02-327	394	46	on	on	ADP
ajis02-327	394	47	the	the	DET
ajis02-327	394	48	road	road	NOUN
ajis02-327	394	49	of	of	ADP
ajis02-327	394	50	electronic	electronic	ADJ
ajis02-327	394	51	commercea	commercea	NOUN
ajis02-327	394	52	business	business	NOUN
ajis02-327	394	53	value	value	NOUN
ajis02-327	394	54	framework	framework	NOUN
ajis02-327	394	55	,	,	PUNCT
ajis02-327	394	56	gaining	gain	VERB
ajis02-327	394	57	competitive	competitive	ADJ
ajis02-327	394	58	advantage	advantage	NOUN
ajis02-327	394	59	and	and	CCONJ
ajis02-327	394	60	some	some	DET
ajis02-327	394	61	research	research	NOUN
ajis02-327	394	62	issues	issue	NOUN
ajis02-327	394	63	,	,	PUNCT
ajis02-327	394	64	"	"	PUNCT
ajis02-327	394	65	working	work	VERB
ajis02-327	394	66	paper	paper	NOUN
ajis02-327	394	67	:	:	PUNCT
ajis02-327	394	68	fisher	fisher	PROPN
ajis02-327	394	69	center	center	PROPN
ajis02-327	394	70	for	for	ADP
ajis02-327	394	71	information	information	NOUN
ajis02-327	394	72	technology	technology	NOUN
ajis02-327	394	73	and	and	CCONJ
ajis02-327	394	74	management	management	NOUN
ajis02-327	394	75	,	,	PUNCT
ajis02-327	394	76	university	university	PROPN
ajis02-327	394	77	of	of	ADP
ajis02-327	394	78	california	california	PROPN
ajis02-327	394	79	,	,	PUNCT
ajis02-327	394	80	berkeley	berkeley	PROPN
ajis02-327	394	81	,	,	PUNCT
ajis02-327	394	82	[	[	X
ajis02-327	394	83	url	url	X
ajis02-327	394	84	:	:	PUNCT
ajis02-327	394	85	http://l	http://l	PROPN
ajis02-327	394	86	30.223.171.154/yp/pub/road_ec/	30.223.171.154/yp/pub/road_ec/	NUM
ajis02-327	394	87	]	]	X
ajis02-327	394	88	brandel	brandel	PROPN
ajis02-327	394	89	,	,	PUNCT
ajis02-327	394	90	mary	mary	PROPN
ajis02-327	394	91	(	(	PUNCT
ajis02-327	394	92	1996	1996	NUM
ajis02-327	394	93	):	):	PUNCT
ajis02-327	394	94	"	"	PUNCT
ajis02-327	394	95	is	be	AUX
ajis02-327	394	96	the	the	DET
ajis02-327	394	97	world	world	NOUN
ajis02-327	394	98	ready	ready	ADJ
ajis02-327	394	99	for	for	ADP
ajis02-327	394	100	web	web	NOUN
ajis02-327	394	101	quotes	quote	NOUN
ajis02-327	394	102	"	"	PUNCT
ajis02-327	394	103	,	,	PUNCT
ajis02-327	394	104	computerworld	computerworld	PROPN
ajis02-327	394	105	electronic	electronic	PROPN
ajis02-327	394	106	commerce	commerce	PROPN
ajis02-327	394	107	journal	journal	PROPN
ajis02-327	394	108	,	,	PUNCT
ajis02-327	394	109	april	april	PROPN
ajis02-327	394	110	29,12	29,12	NUM
ajis02-327	394	111	.	.	PUNCT
ajis02-327	395	1	cash	cash	NOUN
ajis02-327	395	2	,	,	PUNCT
ajis02-327	395	3	james	james	PROPN
ajis02-327	395	4	i.	i.	PROPN
ajis02-327	395	5	,	,	PUNCT
ajis02-327	395	6	jr	jr	PROPN
ajis02-327	395	7	.	.	PROPN
ajis02-327	395	8	(	(	PUNCT
ajis02-327	395	9	1996	1996	NUM
ajis02-327	395	10	):	):	PUNCT
ajis02-327	395	11	"	"	PUNCT
ajis02-327	395	12	the	the	DET
ajis02-327	395	13	point	point	NOUN
ajis02-327	395	14	of	of	ADP
ajis02-327	395	15	the	the	DET
ajis02-327	395	16	exercise	exercise	NOUN
ajis02-327	395	17	the	the	DET
ajis02-327	395	18	it	it	PRON
ajis02-327	395	19	treadmill	treadmill	NOUN
ajis02-327	395	20	may	may	AUX
ajis02-327	395	21	seem	seem	VERB
ajis02-327	395	22	like	like	ADP
ajis02-327	395	23	more	more	ADJ
ajis02-327	395	24	trouble	trouble	NOUN
ajis02-327	395	25	than	than	SCONJ
ajis02-327	395	26	it	it	PRON
ajis02-327	395	27	's	be	AUX
ajis02-327	395	28	worth	worth	ADJ
ajis02-327	395	29	,	,	PUNCT
ajis02-327	395	30	but	but	CCONJ
ajis02-327	395	31	you	you	PRON
ajis02-327	395	32	'll	will	AUX
ajis02-327	395	33	feel	feel	VERB
ajis02-327	395	34	the	the	DET
ajis02-327	395	35	difference	difference	NOUN
ajis02-327	395	36	as	as	ADP
ajis02-327	395	37	the	the	DET
ajis02-327	395	38	corporation	corporation	NOUN
ajis02-327	395	39	firms	firm	NOUN
ajis02-327	395	40	up	up	ADP
ajis02-327	395	41	"	"	PUNCT
ajis02-327	395	42	,	,	PUNCT
ajis02-327	395	43	information	information	NOUN
ajis02-327	395	44	week	week	NOUN
ajis02-327	395	45	,	,	PUNCT
ajis02-327	395	46	november	november	PROPN
ajis02-327	395	47	25	25	NUM
ajis02-327	395	48	,	,	PUNCT
ajis02-327	395	49	128	128	NUM
ajis02-327	395	50	.	.	PUNCT
ajis02-327	396	1	champy	champy	PROPN
ajis02-327	396	2	,	,	PUNCT
ajis02-327	396	3	jim	jim	PROPN
ajis02-327	396	4	(	(	PUNCT
ajis02-327	396	5	1997	1997	NUM
ajis02-327	396	6	):	):	PUNCT
ajis02-327	396	7	"	"	PUNCT
ajis02-327	396	8	how	how	SCONJ
ajis02-327	396	9	should	should	AUX
ajis02-327	396	10	you	you	PRON
ajis02-327	396	11	'	'	PUNCT
ajis02-327	396	12	push	push	VERB
ajis02-327	396	13	'	'	PUNCT
ajis02-327	396	14	your	your	PRON
ajis02-327	396	15	pitch	pitch	NOUN
ajis02-327	396	16	to	to	ADP
ajis02-327	396	17	consumers	consumer	NOUN
ajis02-327	396	18	?	?	PUNCT
ajis02-327	396	19	"	"	PUNCT
ajis02-327	396	20	,	,	PUNCT
ajis02-327	396	21	computerworld	computerworld	PROPN
ajis02-327	396	22	,	,	PUNCT
ajis02-327	396	23	may	may	AUX
ajis02-327	396	24	26	26	NUM
ajis02-327	396	25	,	,	PUNCT
ajis02-327	396	26	72	72	NUM
ajis02-327	396	27	.	.	PUNCT
ajis02-327	397	1	demons	demon	NOUN
ajis02-327	397	2	,	,	PUNCT
ajis02-327	397	3	e.k	e.k	PROPN
ajis02-327	397	4	.	.	PROPN
ajis02-327	397	5	,	,	PUNCT
ajis02-327	397	6	reddi	reddi	PROPN
ajis02-327	397	7	,	,	PUNCT
ajis02-327	397	8	s.p	s.p	PROPN
ajis02-327	397	9	.	.	PROPN
ajis02-327	397	10	,	,	PUNCT
ajis02-327	397	11	and	and	CCONJ
ajis02-327	397	12	row	row	NOUN
ajis02-327	397	13	,	,	PUNCT
ajis02-327	397	14	m.	m.	NOUN
ajis02-327	397	15	(	(	PUNCT
ajis02-327	397	16	1993	1993	NUM
ajis02-327	397	17	):	):	PUNCT
ajis02-327	397	18	"	"	PUNCT
ajis02-327	397	19	the	the	DET
ajis02-327	397	20	impact	impact	NOUN
ajis02-327	397	21	of	of	ADP
ajis02-327	397	22	information	information	NOUN
ajis02-327	397	23	technology	technology	NOUN
ajis02-327	397	24	on	on	ADP
ajis02-327	397	25	the	the	DET
ajis02-327	397	26	organisation	organisation	NOUN
ajis02-327	397	27	of	of	ADP
ajis02-327	397	28	economic	economic	ADJ
ajis02-327	397	29	activity	activity	NOUN
ajis02-327	397	30	:	:	PUNCT
ajis02-327	397	31	the	the	DET
ajis02-327	397	32	'	'	PUNCT
ajis02-327	397	33	move	move	NOUN
ajis02-327	397	34	to	to	ADP
ajis02-327	397	35	the	the	DET
ajis02-327	397	36	middle	middle	ADJ
ajis02-327	397	37	'	'	PUNCT
ajis02-327	397	38	hypothesis	hypothesis	NOUN
ajis02-327	397	39	"	"	PUNCT
ajis02-327	397	40	,	,	PUNCT
ajis02-327	397	41	journal	journal	NOUN
ajis02-327	397	42	of	of	ADP
ajis02-327	397	43	management	management	NOUN
ajis02-327	397	44	information	information	NOUN
ajis02-327	397	45	systems	system	NOUN
ajis02-327	397	46	,	,	PUNCT
ajis02-327	397	47	fall	fall	NOUN
ajis02-327	397	48	,	,	PUNCT
ajis02-327	397	49	9	9	NUM
ajis02-327	397	50	-	-	SYM
ajis02-327	397	51	35	35	NUM
ajis02-327	397	52	.	.	PUNCT
ajis02-327	398	1	demons	demon	NOUN
ajis02-327	398	2	,	,	PUNCT
ajis02-327	398	3	e.k	e.k	PROPN
ajis02-327	398	4	.	.	PROPN
ajis02-327	398	5	,	,	PUNCT
ajis02-327	398	6	and	and	CCONJ
ajis02-327	398	7	michael	michael	PROPN
ajis02-327	398	8	row	row	NOUN
ajis02-327	398	9	(	(	PUNCT
ajis02-327	398	10	1993	1993	NUM
ajis02-327	398	11	):	):	PUNCT
ajis02-327	398	12	"	"	PUNCT
ajis02-327	398	13	limits	limit	NOUN
ajis02-327	398	14	to	to	PART
ajis02-327	398	15	interfirm	interfirm	VERB
ajis02-327	398	16	coordination	coordination	NOUN
ajis02-327	398	17	through	through	ADP
ajis02-327	398	18	information	information	NOUN
ajis02-327	398	19	technology	technology	NOUN
ajis02-327	398	20	:	:	PUNCT
ajis02-327	398	21	results	result	VERB
ajis02-327	398	22	from	from	ADP
ajis02-327	398	23	a	a	DET
ajis02-327	398	24	field	field	NOUN
ajis02-327	398	25	study	study	NOUN
ajis02-327	398	26	...	...	PUNCT
ajis02-327	398	27	"	"	PUNCT
ajis02-327	398	28	,	,	PUNCT
ajis02-327	398	29	journal	journal	NOUN
ajis02-327	398	30	of	of	ADP
ajis02-327	398	31	management	management	NOUN
ajis02-327	398	32	information	information	NOUN
ajis02-327	398	33	systems	system	NOUN
ajis02-327	398	34	,	,	PUNCT
ajis02-327	398	35	june	june	PROPN
ajis02-327	398	36	1,73	1,73	NUM
ajis02-327	398	37	.	.	PUNCT
ajis02-327	399	1	coase	coase	PROPN
ajis02-327	399	2	,	,	PUNCT
ajis02-327	399	3	r.	r.	PROPN
ajis02-327	399	4	h.	h.	PROPN
ajis02-327	399	5	(	(	PUNCT
ajis02-327	399	6	1937	1937	NUM
ajis02-327	399	7	)	)	PUNCT
ajis02-327	399	8	"	"	PUNCT
ajis02-327	399	9	the	the	DET
ajis02-327	399	10	nature	nature	NOUN
ajis02-327	399	11	of	of	ADP
ajis02-327	399	12	the	the	DET
ajis02-327	399	13	firm	firm	NOUN
ajis02-327	399	14	"	"	PUNCT
ajis02-327	399	15	in	in	ADP
ajis02-327	399	16	williamson	williamson	PROPN
ajis02-327	399	17	,	,	PUNCT
ajis02-327	399	18	o.	o.	PROPN
ajis02-327	399	19	e.	e.	PROPN
ajis02-327	399	20	and	and	CCONJ
ajis02-327	399	21	sidney	sidney	PROPN
ajis02-327	399	22	g.	g.	PROPN
ajis02-327	399	23	winter	winter	PROPN
ajis02-327	399	24	(	(	PUNCT
ajis02-327	399	25	yy	yy	PROPN
ajis02-327	399	26	)	)	PUNCT
ajis02-327	399	27	the	the	DET
ajis02-327	399	28	nature	nature	NOUN
ajis02-327	399	29	of	of	ADP
ajis02-327	399	30	the	the	DET
ajis02-327	399	31	firm	firm	NOUN
ajis02-327	399	32	:	:	PUNCT
ajis02-327	399	33	origins	origin	NOUN
ajis02-327	399	34	,	,	PUNCT
ajis02-327	399	35	evolution	evolution	NOUN
ajis02-327	399	36	,	,	PUNCT
ajis02-327	399	37	and	and	CCONJ
ajis02-327	399	38	development	development	NOUN
ajis02-327	399	39	,	,	PUNCT
ajis02-327	399	40	oxford	oxford	PROPN
ajis02-327	399	41	university	university	PROPN
ajis02-327	399	42	press	press	NOUN
ajis02-327	399	43	,	,	PUNCT
ajis02-327	399	44	new	new	PROPN
ajis02-327	399	45	york	york	PROPN
ajis02-327	399	46	.	.	PUNCT
ajis02-327	400	1	cole	cole	PROPN
ajis02-327	400	2	,	,	PUNCT
ajis02-327	400	3	barb	barb	NOUN
ajis02-327	400	4	(	(	PUNCT
ajis02-327	400	5	1997	1997	NUM
ajis02-327	400	6	):	):	PUNCT
ajis02-327	400	7	"	"	PUNCT
ajis02-327	400	8	insurers	insurer	NOUN
ajis02-327	400	9	pay	pay	VERB
ajis02-327	400	10	premium	premium	NOUN
ajis02-327	400	11	for	for	ADP
ajis02-327	400	12	secure	secure	ADJ
ajis02-327	400	13	e	e	NOUN
ajis02-327	400	14	-	-	NOUN
ajis02-327	400	15	commerce	commerce	NOUN
ajis02-327	400	16	"	"	PUNCT
ajis02-327	400	17	,	,	PUNCT
ajis02-327	400	18	computerworld	computerworld	PROPN
ajis02-327	400	19	,	,	PUNCT
ajis02-327	400	20	march	march	PROPN
ajis02-327	400	21	17,4	17,4	NUM
ajis02-327	400	22	cortese	cortese	NOUN
ajis02-327	400	23	,	,	PUNCT
ajis02-327	400	24	amy	amy	PROPN
ajis02-327	400	25	(	(	PUNCT
ajis02-327	400	26	1997	1997	NUM
ajis02-327	400	27	):	):	PUNCT
ajis02-327	400	28	"	"	PUNCT
ajis02-327	400	29	a	a	DET
ajis02-327	400	30	census	census	NOUN
ajis02-327	400	31	in	in	ADP
ajis02-327	400	32	cyberspace	cyberspace	NOUN
ajis02-327	400	33	"	"	PUNCT
ajis02-327	400	34	,	,	PUNCT
ajis02-327	400	35	business	business	NOUN
ajis02-327	400	36	week	week	NOUN
ajis02-327	400	37	,	,	PUNCT
ajis02-327	400	38	may	may	AUX
ajis02-327	400	39	5,85	5,85	NUM
ajis02-327	400	40	.	.	PUNCT
ajis02-327	401	1	eisenhardt	eisenhardt	PROPN
ajis02-327	401	2	,	,	PUNCT
ajis02-327	401	3	k.m	k.m	PROPN
ajis02-327	401	4	.	.	PROPN
ajis02-327	401	5	(	(	PUNCT
ajis02-327	401	6	1989	1989	NUM
ajis02-327	401	7	):	):	PUNCT
ajis02-327	401	8	"	"	PUNCT
ajis02-327	401	9	building	building	NOUN
ajis02-327	401	10	theories	theory	NOUN
ajis02-327	401	11	from	from	ADP
ajis02-327	401	12	case	case	NOUN
ajis02-327	401	13	study	study	NOUN
ajis02-327	401	14	research	research	NOUN
ajis02-327	401	15	"	"	PUNCT
ajis02-327	401	16	,	,	PUNCT
ajis02-327	401	17	academy	academy	NOUN
ajis02-327	401	18	of	of	ADP
ajis02-327	401	19	management	management	PROPN
ajis02-327	401	20	review	review	NOUN
ajis02-327	401	21	,	,	PUNCT
ajis02-327	401	22	14,4	14,4	NUM
ajis02-327	401	23	,	,	PUNCT
ajis02-327	401	24	534	534	NUM
ajis02-327	401	25	-	-	SYM
ajis02-327	401	26	550	550	NUM
ajis02-327	401	27	.	.	PUNCT
ajis02-327	402	1	40	40	NUM
ajis02-327	402	2	ajis	ajis	NOUN
ajis02-327	402	3	special	special	PROPN
ajis02-327	402	4	edition	edition	NOUN
ajis02-327	402	5	electronic	electronic	PROPN
ajis02-327	402	6	commerce	commerce	PROPN
ajis02-327	402	7	november	november	PROPN
ajis02-327	402	8	1998	1998	NUM
ajis02-327	402	9	england	england	PROPN
ajis02-327	402	10	,	,	PUNCT
ajis02-327	402	11	frederick	frederick	PROPN
ajis02-327	402	12	j.	j.	PROPN
ajis02-327	402	13	,	,	PUNCT
ajis02-327	402	14	jr	jr	PROPN
ajis02-327	402	15	.	.	PROPN
ajis02-327	402	16	(	(	PUNCT
ajis02-327	402	17	1993	1993	NUM
ajis02-327	402	18	):	):	PUNCT
ajis02-327	402	19	"	"	PUNCT
ajis02-327	402	20	the	the	DET
ajis02-327	402	21	eagle	eagle	NOUN
ajis02-327	402	22	has	have	AUX
ajis02-327	402	23	landed	land	VERB
ajis02-327	402	24	"	"	PUNCT
ajis02-327	402	25	,	,	PUNCT
ajis02-327	402	26	in	in	ADP
ajis02-327	402	27	ronald	ronald	PROPN
ajis02-327	402	28	w.	w.	PROPN
ajis02-327	402	29	vinson	vinson	PROPN
ajis02-327	402	30	and	and	CCONJ
ajis02-327	402	31	jack	jack	PROPN
ajis02-327	402	32	payan	payan	PROPN
ajis02-327	402	33	(	(	PUNCT
ajis02-327	402	34	editors	editor	NOUN
ajis02-327	402	35	)	)	PUNCT
ajis02-327	402	36	,	,	PUNCT
ajis02-327	402	37	soaring	soar	VERB
ajis02-327	402	38	with	with	ADP
ajis02-327	402	39	eagles	eagle	NOUN
ajis02-327	402	40	:	:	PUNCT
ajis02-327	402	41	the	the	DET
ajis02-327	402	42	rise	rise	NOUN
ajis02-327	402	43	of	of	ADP
ajis02-327	402	44	independent	independent	ADJ
ajis02-327	402	45	insurance	insurance	NOUN
ajis02-327	402	46	agents	agent	NOUN
ajis02-327	402	47	in	in	ADP
ajis02-327	402	48	america	america	PROPN
ajis02-327	402	49	,	,	PUNCT
ajis02-327	402	50	independent	independent	ADJ
ajis02-327	402	51	insurance	insurance	NOUN
ajis02-327	402	52	agents	agent	NOUN
ajis02-327	402	53	of	of	ADP
ajis02-327	402	54	america	america	PROPN
ajis02-327	402	55	,	,	PUNCT
ajis02-327	402	56	virginia	virginia	PROPN
ajis02-327	402	57	.	.	PUNCT
ajis02-327	403	1	gray	gray	PROPN
ajis02-327	403	2	,	,	PUNCT
ajis02-327	403	3	matthew	matthew	PROPN
ajis02-327	403	4	(	(	PUNCT
ajis02-327	403	5	1996	1996	NUM
ajis02-327	403	6	):	):	PUNCT
ajis02-327	403	7	internet	internet	NOUN
ajis02-327	403	8	growth	growth	NOUN
ajis02-327	403	9	summary	summary	NOUN
ajis02-327	403	10	.	.	PUNCT
ajis02-327	404	1	massachusetts	massachusetts	PROPN
ajis02-327	404	2	institute	institute	PROPN
ajis02-327	404	3	of	of	ADP
ajis02-327	404	4	technology	technology	PROPN
ajis02-327	404	5	[	[	X
ajis02-327	404	6	url	url	X
ajis02-327	404	7	:	:	PUNCT
ajis02-327	404	8	http://www.mit.edu	http://www.mit.edu	PROPN
ajis02-327	404	9	/	/	SYM
ajis02-327	404	10	people	people	NOUN
ajis02-327	404	11	/	/	SYM
ajis02-327	404	12	mkgray/	mkgray/	NUM
ajis02-327	404	13	]	]	PUNCT
ajis02-327	404	14	.	.	PUNCT
ajis02-327	405	1	grover	grover	PROPN
ajis02-327	405	2	,	,	PUNCT
ajis02-327	405	3	v.	v.	PROPN
ajis02-327	405	4	(	(	PUNCT
ajis02-327	405	5	1993	1993	NUM
ajis02-327	405	6	):	):	PUNCT
ajis02-327	405	7	"	"	PUNCT
ajis02-327	405	8	an	an	DET
ajis02-327	405	9	empirically	empirically	ADV
ajis02-327	405	10	derived	derive	VERB
ajis02-327	405	11	model	model	NOUN
ajis02-327	405	12	for	for	ADP
ajis02-327	405	13	the	the	DET
ajis02-327	405	14	adoption	adoption	NOUN
ajis02-327	405	15	of	of	ADP
ajis02-327	405	16	customer	customer	NOUN
ajis02-327	405	17	-	-	PUNCT
ajis02-327	405	18	based	base	VERB
ajis02-327	405	19	interorganizational	interorganizational	ADJ
ajis02-327	405	20	systems	system	NOUN
ajis02-327	405	21	"	"	PUNCT
ajis02-327	405	22	,	,	PUNCT
ajis02-327	405	23	decision	decision	NOUN
ajis02-327	405	24	sciences	science	NOUN
ajis02-327	405	25	,	,	PUNCT
ajis02-327	405	26	may	may	PROPN
ajis02-327	405	27	-	-	PUNCT
ajis02-327	405	28	june	june	PROPN
ajis02-327	405	29	1993	1993	NUM
ajis02-327	405	30	,	,	PUNCT
ajis02-327	405	31	603	603	NUM
ajis02-327	405	32	-	-	SYM
ajis02-327	405	33	640	640	NUM
ajis02-327	405	34	.	.	PUNCT
ajis02-327	406	1	gupta	gupta	PROPN
ajis02-327	406	2	,	,	PUNCT
ajis02-327	406	3	sunil	sunil	NOUN
ajis02-327	406	4	(	(	PUNCT
ajis02-327	406	5	1995	1995	NUM
ajis02-327	406	6	):	):	PUNCT
ajis02-327	406	7	"	"	PUNCT
ajis02-327	406	8	hermes	herme	NOUN
ajis02-327	406	9	:	:	PUNCT
ajis02-327	406	10	a	a	DET
ajis02-327	406	11	research	research	NOUN
ajis02-327	406	12	project	project	NOUN
ajis02-327	406	13	on	on	ADP
ajis02-327	406	14	the	the	DET
ajis02-327	406	15	commercial	commercial	ADJ
ajis02-327	406	16	uses	use	NOUN
ajis02-327	406	17	of	of	ADP
ajis02-327	406	18	the	the	DET
ajis02-327	406	19	world	world	NOUN
ajis02-327	406	20	wide	wide	ADJ
ajis02-327	406	21	web	web	NOUN
ajis02-327	406	22	,	,	PUNCT
ajis02-327	406	23	"	"	PUNCT
ajis02-327	406	24	university	university	NOUN
ajis02-327	406	25	of	of	ADP
ajis02-327	406	26	michigan	michigan	PROPN
ajis02-327	406	27	working	working	PROPN
ajis02-327	406	28	paper	paper	NOUN
ajis02-327	406	29	,	,	PUNCT
ajis02-327	406	30	[	[	X
ajis02-327	406	31	url	url	X
ajis02-327	406	32	:	:	PUNCT
ajis02-327	406	33	http://www.umich.edu/~sgupta	http://www.umich.edu/~sgupta	NOUN
ajis02-327	406	34	/	/	SYM
ajis02-327	406	35	hermes/	hermes/	NUM
ajis02-327	406	36	]	]	X
ajis02-327	406	37	gurbaxani	gurbaxani	X
ajis02-327	406	38	,	,	PUNCT
ajis02-327	406	39	v.	v.	ADP
ajis02-327	406	40	and	and	CCONJ
ajis02-327	406	41	whang	whang	PROPN
ajis02-327	406	42	,	,	PUNCT
ajis02-327	406	43	s.	s.	PROPN
ajis02-327	406	44	(	(	PUNCT
ajis02-327	406	45	1991	1991	NUM
ajis02-327	406	46	):	):	PUNCT
ajis02-327	406	47	"	"	PUNCT
ajis02-327	406	48	the	the	DET
ajis02-327	406	49	impact	impact	NOUN
ajis02-327	406	50	of	of	ADP
ajis02-327	406	51	information	information	NOUN
ajis02-327	406	52	systems	system	NOUN
ajis02-327	406	53	on	on	ADP
ajis02-327	406	54	organisations	organisation	NOUN
ajis02-327	406	55	and	and	CCONJ
ajis02-327	406	56	markets	market	NOUN
ajis02-327	406	57	"	"	PUNCT
ajis02-327	406	58	,	,	PUNCT
ajis02-327	406	59	communications	communication	NOUN
ajis02-327	406	60	of	of	ADP
ajis02-327	406	61	the	the	DET
ajis02-327	406	62	acm	acm	PROPN
ajis02-327	406	63	,	,	PUNCT
ajis02-327	406	64	january	january	PROPN
ajis02-327	406	65	,	,	PUNCT
ajis02-327	406	66	xx	xx	PROPN
ajis02-327	406	67	,	,	PUNCT
ajis02-327	406	68	xx	xx	PROPN
ajis02-327	406	69	,	,	PUNCT
ajis02-327	406	70	59	59	NUM
ajis02-327	406	71	-	-	SYM
ajis02-327	406	72	73	73	NUM
ajis02-327	406	73	.	.	PUNCT
ajis02-327	407	1	halper	halper	PROPN
ajis02-327	407	2	,	,	PUNCT
ajis02-327	407	3	mark	mark	PROPN
ajis02-327	407	4	(	(	PUNCT
ajis02-327	407	5	1997	1997	NUM
ajis02-327	407	6	):	):	PUNCT
ajis02-327	407	7	"	"	PUNCT
ajis02-327	407	8	meet	meet	VERB
ajis02-327	407	9	the	the	DET
ajis02-327	407	10	middlemen	middleman	NOUN
ajis02-327	407	11	"	"	PUNCT
ajis02-327	407	12	,	,	PUNCT
ajis02-327	407	13	computerworld	computerworld	PROPN
ajis02-327	407	14	emmerce	emmerce	PROPN
ajis02-327	407	15	,	,	PUNCT
ajis02-327	407	16	april	april	PROPN
ajis02-327	407	17	28	28	NUM
ajis02-327	407	18	,	,	PUNCT
ajis02-327	407	19	10	10	NUM
ajis02-327	407	20	.	.	PUNCT
ajis02-327	408	1	hess	hess	PROPN
ajis02-327	408	2	,	,	PUNCT
ajis02-327	408	3	c.m	c.m	PROPN
ajis02-327	408	4	.	.	PROPN
ajis02-327	408	5	and	and	CCONJ
ajis02-327	408	6	kemerer	kemerer	PROPN
ajis02-327	408	7	,	,	PUNCT
ajis02-327	408	8	c.f	c.f	PROPN
ajis02-327	408	9	.	.	PROPN
ajis02-327	408	10	(	(	PUNCT
ajis02-327	408	11	1994	1994	NUM
ajis02-327	408	12	):	):	PUNCT
ajis02-327	408	13	"	"	PUNCT
ajis02-327	408	14	computerized	computerized	ADJ
ajis02-327	408	15	loan	loan	NOUN
ajis02-327	408	16	origination	origination	NOUN
ajis02-327	408	17	systems	system	NOUN
ajis02-327	408	18	:	:	PUNCT
ajis02-327	408	19	an	an	DET
ajis02-327	408	20	industry	industry	NOUN
ajis02-327	408	21	case	case	NOUN
ajis02-327	408	22	study	study	NOUN
ajis02-327	408	23	of	of	ADP
ajis02-327	408	24	the	the	DET
ajis02-327	408	25	electronic	electronic	ADJ
ajis02-327	408	26	markets	market	NOUN
ajis02-327	408	27	hypothesis	hypothesis	NOUN
ajis02-327	408	28	"	"	PUNCT
ajis02-327	408	29	,	,	PUNCT
ajis02-327	408	30	mis	mis	PROPN
ajis02-327	408	31	quarterly	quarterly	PROPN
ajis02-327	408	32	,	,	PUNCT
ajis02-327	408	33	september	september	PROPN
ajis02-327	408	34	,	,	PUNCT
ajis02-327	408	35	x	x	X
ajis02-327	408	36	,	,	PUNCT
ajis02-327	408	37	x	x	X
ajis02-327	408	38	,	,	PUNCT
ajis02-327	408	39	pp	pp	PROPN
ajis02-327	408	40	.	.	PUNCT
ajis02-327	409	1	higgins	higgins	PROPN
ajis02-327	409	2	,	,	PUNCT
ajis02-327	409	3	kelly	kelly	PROPN
ajis02-327	409	4	jackson	jackson	PROPN
ajis02-327	409	5	(	(	PUNCT
ajis02-327	409	6	1996	1996	NUM
ajis02-327	409	7	):	):	PUNCT
ajis02-327	409	8	"	"	PUNCT
ajis02-327	409	9	are	be	AUX
ajis02-327	409	10	we	we	PRON
ajis02-327	409	11	there	there	ADV
ajis02-327	409	12	yet	yet	ADV
ajis02-327	409	13	?	?	PUNCT
ajis02-327	410	1	not	not	PART
ajis02-327	410	2	really	really	ADV
ajis02-327	410	3	.	.	PUNCT
ajis02-327	411	1	most	most	ADJ
ajis02-327	411	2	are	be	AUX
ajis02-327	411	3	stuck	stick	VERB
ajis02-327	411	4	on	on	ADP
ajis02-327	411	5	the	the	DET
ajis02-327	411	6	slow	slow	ADJ
ajis02-327	411	7	road	road	NOUN
ajis02-327	411	8	when	when	SCONJ
ajis02-327	411	9	it	it	PRON
ajis02-327	411	10	comes	come	VERB
ajis02-327	411	11	to	to	ADP
ajis02-327	411	12	ec	ec	PROPN
ajis02-327	411	13	.	.	PUNCT
ajis02-327	412	1	three	three	NUM
ajis02-327	412	2	industries	industry	NOUN
ajis02-327	412	3	explain	explain	VERB
ajis02-327	412	4	why	why	SCONJ
ajis02-327	412	5	"	"	PUNCT
ajis02-327	412	6	,	,	PUNCT
ajis02-327	412	7	communications	communication	NOUN
ajis02-327	412	8	week	week	NOUN
ajis02-327	412	9	,	,	PUNCT
ajis02-327	412	10	november	november	PROPN
ajis02-327	412	11	4,61	4,61	NUM
ajis02-327	412	12	.	.	PUNCT
ajis02-327	413	1	hines	hines	PROPN
ajis02-327	413	2	,	,	PUNCT
ajis02-327	413	3	peter	peter	PROPN
ajis02-327	413	4	(	(	PUNCT
ajis02-327	413	5	1993	1993	NUM
ajis02-327	413	6	):	):	PUNCT
ajis02-327	413	7	"	"	PUNCT
ajis02-327	413	8	integrated	integrated	ADJ
ajis02-327	413	9	materials	material	NOUN
ajis02-327	413	10	management	management	NOUN
ajis02-327	413	11	:	:	PUNCT
ajis02-327	413	12	the	the	DET
ajis02-327	413	13	value	value	NOUN
ajis02-327	413	14	chain	chain	NOUN
ajis02-327	413	15	redefined	redefine	VERB
ajis02-327	413	16	"	"	PUNCT
ajis02-327	413	17	,	,	PUNCT
ajis02-327	413	18	the	the	DET
ajis02-327	413	19	international	international	ADJ
ajis02-327	413	20	journal	journal	NOUN
ajis02-327	413	21	of	of	ADP
ajis02-327	413	22	logistics	logistic	NOUN
ajis02-327	413	23	management	management	NOUN
ajis02-327	413	24	,	,	PUNCT
ajis02-327	413	25	4,1	4,1	NUM
ajis02-327	413	26	,	,	PUNCT
ajis02-327	413	27	pp	pp	PROPN
ajis02-327	413	28	.	.	PUNCT
ajis02-327	414	1	hoffman	hoffman	PROPN
ajis02-327	414	2	,	,	PUNCT
ajis02-327	414	3	donna	donna	PROPN
ajis02-327	414	4	l.	l.	PROPN
ajis02-327	414	5	,	,	PUNCT
ajis02-327	414	6	thomas	thomas	PROPN
ajis02-327	414	7	p.	p.	PROPN
ajis02-327	414	8	novak	novak	PROPN
ajis02-327	414	9	and	and	CCONJ
ajis02-327	414	10	patrali	patrali	VERB
ajis02-327	414	11	chatterjee	chatterjee	PROPN
ajis02-327	414	12	(	(	PUNCT
ajis02-327	414	13	1995	1995	NUM
ajis02-327	414	14	):	):	PUNCT
ajis02-327	414	15	"	"	PUNCT
ajis02-327	414	16	commercial	commercial	ADJ
ajis02-327	414	17	scenarios	scenario	NOUN
ajis02-327	414	18	for	for	ADP
ajis02-327	414	19	the	the	DET
ajis02-327	414	20	web	web	NOUN
ajis02-327	414	21	:	:	PUNCT
ajis02-327	414	22	opportunities	opportunity	NOUN
ajis02-327	414	23	and	and	CCONJ
ajis02-327	414	24	challenges	challenge	NOUN
ajis02-327	414	25	"	"	PUNCT
ajis02-327	414	26	,	,	PUNCT
ajis02-327	414	27	journal	journal	NOUN
ajis02-327	414	28	of	of	ADP
ajis02-327	414	29	computer	computer	NOUN
ajis02-327	414	30	mediated	mediate	VERB
ajis02-327	414	31	-	-	PUNCT
ajis02-327	414	32	communication	communication	NOUN
ajis02-327	414	33	,	,	PUNCT
ajis02-327	414	34	3	3	NUM
ajis02-327	414	35	,	,	PUNCT
ajis02-327	414	36	1	1	NUM
ajis02-327	414	37	-	-	SYM
ajis02-327	414	38	21	21	NUM
ajis02-327	414	39	.	.	PUNCT
ajis02-327	415	1	[	[	X
ajis02-327	415	2	url	url	X
ajis02-327	415	3	:	:	PUNCT
ajis02-327	415	4	http://jcmc.huji.ac.il/	http://jcmc.huji.ac.il/	SYM
ajis02-327	415	5	]	]	X
ajis02-327	415	6	jenkins	jenkins	PROPN
ajis02-327	415	7	john	john	PROPN
ajis02-327	415	8	(	(	PUNCT
ajis02-327	415	9	1997	1997	NUM
ajis02-327	415	10	):	):	PUNCT
ajis02-327	415	11	"	"	PUNCT
ajis02-327	415	12	doing	do	VERB
ajis02-327	415	13	business	business	NOUN
ajis02-327	415	14	electronically	electronically	ADV
ajis02-327	415	15	"	"	PUNCT
ajis02-327	415	16	,	,	PUNCT
ajis02-327	415	17	electronic	electronic	ADJ
ajis02-327	415	18	commerce	commerce	NOUN
ajis02-327	415	19	association	association	NOUN
ajis02-327	415	20	:	:	PUNCT
ajis02-327	415	21	business	business	NOUN
ajis02-327	415	22	on	on	ADP
ajis02-327	415	23	the	the	DET
ajis02-327	415	24	internet	internet	NOUN
ajis02-327	415	25	interest	interest	NOUN
ajis02-327	415	26	section	section	NOUN
ajis02-327	415	27	internet	internet	NOUN
ajis02-327	415	28	briefings	briefing	NOUN
ajis02-327	415	29	,	,	PUNCT
ajis02-327	415	30	3	3	X
ajis02-327	415	31	.	.	PUNCT
ajis02-327	416	1	[	[	X
ajis02-327	416	2	url	url	X
ajis02-327	416	3	:	:	PUNCT
ajis02-327	416	4	http://www.eca.org.uk/	http://www.eca.org.uk/	PROPN
ajis02-327	416	5	]	]	X
ajis02-327	416	6	kambil	kambil	ADJ
ajis02-327	416	7	,	,	PUNCT
ajis02-327	416	8	ajit	ajit	NOUN
ajis02-327	416	9	(	(	PUNCT
ajis02-327	416	10	1995	1995	NUM
ajis02-327	416	11	):	):	PUNCT
ajis02-327	416	12	"	"	PUNCT
ajis02-327	416	13	electronic	electronic	ADJ
ajis02-327	416	14	commerce	commerce	NOUN
ajis02-327	416	15	:	:	PUNCT
ajis02-327	416	16	implications	implication	NOUN
ajis02-327	416	17	of	of	ADP
ajis02-327	416	18	die	die	VERB
ajis02-327	416	19	internet	internet	NOUN
ajis02-327	416	20	for	for	ADP
ajis02-327	416	21	business	business	NOUN
ajis02-327	416	22	practice	practice	NOUN
ajis02-327	416	23	and	and	CCONJ
ajis02-327	416	24	strategy	strategy	NOUN
ajis02-327	416	25	"	"	PUNCT
ajis02-327	416	26	,	,	PUNCT
ajis02-327	416	27	business	business	NOUN
ajis02-327	416	28	economics	economic	NOUN
ajis02-327	416	29	,	,	PUNCT
ajis02-327	416	30	october	october	PROPN
ajis02-327	416	31	1	1	NUM
ajis02-327	416	32	,	,	PUNCT
ajis02-327	416	33	22(7	22(7	NUM
ajis02-327	416	34	)	)	PUNCT
ajis02-327	416	35	,	,	PUNCT
ajis02-327	416	36	pp	pp	PROPN
ajis02-327	416	37	.	.	PUNCT
ajis02-327	417	1	kaplan	kaplan	PROPN
ajis02-327	417	2	,	,	PUNCT
ajis02-327	417	3	b	b	PROPN
ajis02-327	417	4	and	and	CCONJ
ajis02-327	417	5	j.a	j.a	PROPN
ajis02-327	417	6	.	.	PROPN
ajis02-327	417	7	maxwell	maxwell	PROPN
ajis02-327	417	8	(	(	PUNCT
ajis02-327	417	9	1994	1994	NUM
ajis02-327	417	10	):	):	PUNCT
ajis02-327	417	11	"	"	PUNCT
ajis02-327	417	12	qualitative	qualitative	ADJ
ajis02-327	417	13	research	research	NOUN
ajis02-327	417	14	methods	method	NOUN
ajis02-327	417	15	for	for	ADP
ajis02-327	417	16	evaluating	evaluate	VERB
ajis02-327	417	17	computer	computer	NOUN
ajis02-327	417	18	information	information	NOUN
ajis02-327	417	19	systems	system	NOUN
ajis02-327	417	20	"	"	PUNCT
ajis02-327	417	21	,	,	PUNCT
ajis02-327	417	22	in	in	ADP
ajis02-327	417	23	j.g	j.g	PROPN
ajis02-327	417	24	.	.	PROPN
ajis02-327	417	25	andersen	andersen	PROPN
ajis02-327	417	26	,	,	PUNCT
ajis02-327	417	27	c.e	c.e	PROPN
ajis02-327	417	28	.	.	PROPN
ajis02-327	417	29	aydin	aydin	PROPN
ajis02-327	417	30	and	and	CCONJ
ajis02-327	417	31	s.j	s.j	PROPN
ajis02-327	417	32	.	.	PROPN
ajis02-327	417	33	jay	jay	PROPN
ajis02-327	417	34	(	(	PUNCT
ajis02-327	417	35	editors	editor	NOUN
ajis02-327	417	36	)	)	PUNCT
ajis02-327	417	37	,	,	PUNCT
ajis02-327	417	38	evaluating	evaluate	VERB
ajis02-327	417	39	health	health	NOUN
ajis02-327	417	40	care	care	NOUN
ajis02-327	417	41	information	information	NOUN
ajis02-327	417	42	systems	system	NOUN
ajis02-327	417	43	:	:	PUNCT
ajis02-327	417	44	methods	method	NOUN
ajis02-327	417	45	and	and	CCONJ
ajis02-327	417	46	applications	application	NOUN
ajis02-327	417	47	,	,	PUNCT
ajis02-327	417	48	sage	sage	NOUN
ajis02-327	417	49	publications	publication	NOUN
ajis02-327	417	50	,	,	PUNCT
ajis02-327	417	51	thousand	thousand	NUM
ajis02-327	417	52	oaks	oak	NOUN
ajis02-327	417	53	.	.	PUNCT
ajis02-327	418	1	kristula	kristula	PROPN
ajis02-327	418	2	,	,	PUNCT
ajis02-327	418	3	dave	dave	PROPN
ajis02-327	418	4	(	(	PUNCT
ajis02-327	418	5	1997	1997	NUM
ajis02-327	418	6	):	):	PUNCT
ajis02-327	418	7	"	"	PUNCT
ajis02-327	418	8	the	the	DET
ajis02-327	418	9	history	history	NOUN
ajis02-327	418	10	of	of	ADP
ajis02-327	418	11	the	the	DET
ajis02-327	418	12	internet	internet	NOUN
ajis02-327	418	13	"	"	PUNCT
ajis02-327	418	14	,	,	PUNCT
ajis02-327	418	15	a	a	DET
ajis02-327	418	16	section	section	NOUN
ajis02-327	418	17	of	of	ADP
ajis02-327	418	18	web	web	NOUN
ajis02-327	418	19	site	site	NOUN
ajis02-327	418	20	workstation	workstation	NOUN
ajis02-327	418	21	[	[	X
ajis02-327	418	22	url	url	NOUN
ajis02-327	418	23	:	:	PUNCT
ajis02-327	418	24	http://www.davesite.com	http://www.davesite.com	X
ajis02-327	418	25	/	/	SYM
ajis02-327	418	26	webstation	webstation	NOUN
ajis02-327	418	27	/	/	SYM
ajis02-327	418	28	net	net	NOUN
ajis02-327	418	29	-	-	PUNCT
ajis02-327	418	30	history/	history/	NUM
ajis02-327	418	31	]	]	PUNCT
ajis02-327	418	32	kroll	kroll	PROPN
ajis02-327	418	33	,	,	PUNCT
ajis02-327	418	34	ed	ed	PROPN
ajis02-327	418	35	and	and	CCONJ
ajis02-327	418	36	ellen	ellen	PROPN
ajis02-327	418	37	hoffinan	hoffinan	PROPN
ajis02-327	418	38	(	(	PUNCT
ajis02-327	418	39	1993	1993	NUM
ajis02-327	418	40	):	):	PUNCT
ajis02-327	418	41	"	"	PUNCT
ajis02-327	418	42	fyi	fyi	NOUN
ajis02-327	418	43	on	on	ADP
ajis02-327	418	44	what	what	PRON
ajis02-327	418	45	is	be	AUX
ajis02-327	418	46	the	the	DET
ajis02-327	418	47	internet	internet	NOUN
ajis02-327	418	48	?	?	PUNCT
ajis02-327	418	49	"	"	PUNCT
ajis02-327	418	50	,	,	PUNCT
ajis02-327	418	51	network	network	NOUN
ajis02-327	418	52	working	working	NOUN
ajis02-327	418	53	group	group	NOUN
ajis02-327	418	54	request	request	NOUN
ajis02-327	418	55	for	for	ADP
ajis02-327	418	56	comments	comment	NOUN
ajis02-327	418	57	,	,	PUNCT
ajis02-327	418	58	1462	1462	NUM
ajis02-327	418	59	,	,	PUNCT
ajis02-327	418	60	fyi:20	fyi:20	ADJ
ajis02-327	418	61	[	[	X
ajis02-327	418	62	url	url	X
ajis02-327	418	63	:	:	PUNCT
ajis02-327	418	64	gophen//dsl.internic.net/00	gophen//dsl.internic.net/00	ADJ
ajis02-327	418	65	/	/	SYM
ajis02-327	418	66	fyi	fyi	PROPN
ajis02-327	418	67	/	/	SYM
ajis02-327	418	68	fyi20.txt	fyi20.txt	NOUN
ajis02-327	418	69	]	]	PUNCT
ajis02-327	418	70	leiner	leiner	NOUN
ajis02-327	418	71	,	,	PUNCT
ajis02-327	418	72	barry	barry	PROPN
ajis02-327	418	73	m.	m.	PROPN
ajis02-327	418	74	,	,	PUNCT
ajis02-327	418	75	vinton	vinton	PROPN
ajis02-327	418	76	g.	g.	PROPN
ajis02-327	418	77	cerf	cerf	PROPN
ajis02-327	418	78	,	,	PUNCT
ajis02-327	418	79	david	david	PROPN
ajis02-327	418	80	d.	d.	PROPN
ajis02-327	418	81	clark	clark	PROPN
ajis02-327	418	82	,	,	PUNCT
ajis02-327	418	83	roberth	roberth	VERB
ajis02-327	418	84	e.	e.	PROPN
ajis02-327	418	85	kahn	kahn	PROPN
ajis02-327	418	86	,	,	PUNCT
ajis02-327	418	87	leonard	leonard	PROPN
ajis02-327	418	88	kleinrock	kleinrock	PROPN
ajis02-327	418	89	,	,	PUNCT
ajis02-327	418	90	daniel	daniel	PROPN
ajis02-327	418	91	c.	c.	PROPN
ajis02-327	418	92	lynch	lynch	PROPN
ajis02-327	418	93	,	,	PUNCT
ajis02-327	418	94	jon	jon	PROPN
ajis02-327	418	95	postel	postel	NOUN
ajis02-327	418	96	,	,	PUNCT
ajis02-327	418	97	larry	larry	PROPN
ajis02-327	418	98	g.	g.	PROPN
ajis02-327	418	99	roberts	roberts	PROPN
ajis02-327	418	100	and	and	CCONJ
ajis02-327	418	101	stephen	stephen	PROPN
ajis02-327	418	102	wolff	wolff	PROPN
ajis02-327	418	103	(	(	PUNCT
ajis02-327	418	104	1997	1997	NUM
ajis02-327	418	105	):	):	PUNCT
ajis02-327	418	106	a	a	DET
ajis02-327	418	107	brief	brief	ADJ
ajis02-327	418	108	history	history	NOUN
ajis02-327	418	109	of	of	ADP
ajis02-327	418	110	the	the	DET
ajis02-327	418	111	internet	internet	NOUN
ajis02-327	418	112	,	,	PUNCT
ajis02-327	418	113	version	version	NOUN
ajis02-327	418	114	3.1	3.1	NUM
ajis02-327	418	115	,	,	PUNCT
ajis02-327	418	116	last	last	ADJ
ajis02-327	418	117	revised	revise	VERB
ajis02-327	418	118	february	february	PROPN
ajis02-327	418	119	20	20	NUM
ajis02-327	419	1	[	[	X
ajis02-327	419	2	url	url	NOUN
ajis02-327	419	3	:	:	PUNCT
ajis02-327	419	4	http://www.isoc.org	http://www.isoc.org	PROPN
ajis02-327	419	5	/	/	SYM
ajis02-327	419	6	intemet	intemet	NOUN
ajis02-327	419	7	-	-	PUNCT
ajis02-327	419	8	history/	history/	NUM
ajis02-327	419	9	]	]	PUNCT
ajis02-327	419	10	malone	malone	NOUN
ajis02-327	419	11	,	,	PUNCT
ajis02-327	419	12	t.	t.	PROPN
ajis02-327	419	13	,	,	PUNCT
ajis02-327	419	14	yates	yates	PROPN
ajis02-327	419	15	,	,	PUNCT
ajis02-327	419	16	j.	j.	PROPN
ajis02-327	419	17	,	,	PUNCT
ajis02-327	419	18	and	and	CCONJ
ajis02-327	419	19	benjamin	benjamin	PROPN
ajis02-327	419	20	,	,	PUNCT
ajis02-327	419	21	r.	r.	PROPN
ajis02-327	419	22	(	(	PUNCT
ajis02-327	419	23	1987	1987	NUM
ajis02-327	419	24	):	):	PUNCT
ajis02-327	419	25	"	"	PUNCT
ajis02-327	419	26	electronic	electronic	ADJ
ajis02-327	419	27	markets	market	NOUN
ajis02-327	419	28	and	and	CCONJ
ajis02-327	419	29	electronic	electronic	ADJ
ajis02-327	419	30	hierarchies	hierarchy	NOUN
ajis02-327	419	31	"	"	PUNCT
ajis02-327	419	32	,	,	PUNCT
ajis02-327	419	33	communications	communication	NOUN
ajis02-327	419	34	of	of	ADP
ajis02-327	419	35	the	the	DET
ajis02-327	419	36	acm	acm	PROPN
ajis02-327	419	37	,	,	PUNCT
ajis02-327	419	38	june	june	PROPN
ajis02-327	419	39	,	,	PUNCT
ajis02-327	419	40	x	x	X
ajis02-327	419	41	,	,	PUNCT
ajis02-327	419	42	x	x	SYM
ajis02-327	419	43	,	,	PUNCT
ajis02-327	419	44	484	484	NUM
ajis02-327	419	45	-	-	SYM
ajis02-327	419	46	497	497	NUM
ajis02-327	419	47	.	.	PUNCT
ajis02-327	420	1	mason	mason	PROPN
ajis02-327	420	2	,	,	PUNCT
ajis02-327	420	3	david	david	PROPN
ajis02-327	420	4	and	and	CCONJ
ajis02-327	420	5	mary	mary	PROPN
ajis02-327	420	6	j.	j.	PROPN
ajis02-327	420	7	turner	turner	PROPN
ajis02-327	420	8	(	(	PUNCT
ajis02-327	420	9	1996	1996	NUM
ajis02-327	420	10	):	):	PUNCT
ajis02-327	420	11	"	"	PUNCT
ajis02-327	420	12	timing	timing	NOUN
ajis02-327	420	13	is	be	AUX
ajis02-327	420	14	everything	everything	PRON
ajis02-327	420	15	getting	get	VERB
ajis02-327	420	16	into	into	ADP
ajis02-327	420	17	ec	ec	PROPN
ajis02-327	420	18	at	at	ADP
ajis02-327	420	19	the	the	DET
ajis02-327	420	20	right	right	ADJ
ajis02-327	420	21	cycle	cycle	NOUN
ajis02-327	420	22	is	be	AUX
ajis02-327	420	23	essential	essential	ADJ
ajis02-327	420	24	"	"	PUNCT
ajis02-327	420	25	,	,	PUNCT
ajis02-327	420	26	communications	communication	NOUN
ajis02-327	420	27	week	week	NOUN
ajis02-327	420	28	,	,	PUNCT
ajis02-327	420	29	september	september	PROPN
ajis02-327	420	30	2	2	NUM
ajis02-327	420	31	,	,	PUNCT
ajis02-327	420	32	s03	s03	NOUN
ajis02-327	420	33	.	.	PUNCT
ajis02-327	420	34	mehr	mehr	NOUN
ajis02-327	420	35	,	,	PUNCT
ajis02-327	420	36	rober	rober	PROPN
ajis02-327	420	37	i.	i.	PROPN
ajis02-327	420	38	and	and	CCONJ
ajis02-327	420	39	emerson	emerson	PROPN
ajis02-327	420	40	carnmack	carnmack	PROPN
ajis02-327	420	41	(	(	PUNCT
ajis02-327	420	42	1980	1980	NUM
ajis02-327	420	43	):	):	PUNCT
ajis02-327	420	44	principles	principle	NOUN
ajis02-327	420	45	of	of	ADP
ajis02-327	420	46	insurance	insurance	NOUN
ajis02-327	420	47	,	,	PUNCT
ajis02-327	420	48	7th	7th	ADJ
ajis02-327	420	49	edition	edition	NOUN
ajis02-327	420	50	,	,	PUNCT
ajis02-327	420	51	homewood	homewood	PROPN
ajis02-327	420	52	,	,	PUNCT
ajis02-327	420	53	richard	richard	PROPN
ajis02-327	420	54	d.	d.	PROPN
ajis02-327	420	55	irwin	irwin	PROPN
ajis02-327	420	56	,	,	PUNCT
ajis02-327	420	57	inc	inc	PROPN
ajis02-327	420	58	.	.	PROPN
ajis02-327	420	59	,	,	PUNCT
ajis02-327	420	60	illinois	illinois	PROPN
ajis02-327	420	61	.	.	PROPN
ajis02-327	420	62	miller	miller	PROPN
ajis02-327	420	63	,	,	PUNCT
ajis02-327	420	64	thomas	thomas	PROPN
ajis02-327	420	65	e.	e.	PROPN
ajis02-327	420	66	and	and	CCONJ
ajis02-327	420	67	peter	peter	PROPN
ajis02-327	420	68	c.	c.	PROPN
ajis02-327	420	69	clemente	clemente	PROPN
ajis02-327	420	70	(	(	PUNCT
ajis02-327	420	71	1997	1997	NUM
ajis02-327	420	72	):	):	PUNCT
ajis02-327	420	73	"	"	PUNCT
ajis02-327	420	74	the	the	DET
ajis02-327	420	75	1997	1997	NUM
ajis02-327	420	76	american	american	PROPN
ajis02-327	420	77	internet	internet	NOUN
ajis02-327	420	78	user	user	NOUN
ajis02-327	420	79	survey	survey	NOUN
ajis02-327	420	80	,	,	PUNCT
ajis02-327	420	81	realities	reality	NOUN
ajis02-327	420	82	beyond	beyond	ADP
ajis02-327	420	83	the	the	DET
ajis02-327	420	84	hype	hype	NOUN
ajis02-327	420	85	"	"	PUNCT
ajis02-327	420	86	,	,	PUNCT
ajis02-327	420	87	find	find	VERB
ajis02-327	420	88	/	/	SYM
ajis02-327	420	89	svp	svp	NOUN
ajis02-327	420	90	,	,	PUNCT
ajis02-327	420	91	emerging	emerge	VERB
ajis02-327	420	92	technologies	technology	NOUN
ajis02-327	420	93	research	research	NOUN
ajis02-327	420	94	group	group	NOUN
ajis02-327	420	95	,	,	PUNCT
ajis02-327	420	96	may	may	AUX
ajis02-327	420	97	6	6	NUM
ajis02-327	420	98	[	[	X
ajis02-327	420	99	url	url	NOUN
ajis02-327	420	100	:	:	PUNCT
ajis02-327	420	101	http://etrg.findsvp.com/	http://etrg.findsvp.com/	NOUN
ajis02-327	420	102	]	]	PUNCT
ajis02-327	420	103	.	.	PUNCT
ajis02-327	421	1	myers	myers	PROPN
ajis02-327	421	2	,	,	PUNCT
ajis02-327	421	3	michael	michael	PROPN
ajis02-327	421	4	d.	d.	PROPN
ajis02-327	421	5	(	(	PUNCT
ajis02-327	421	6	1996	1996	NUM
ajis02-327	421	7	)	)	PUNCT
ajis02-327	421	8	"	"	PUNCT
ajis02-327	421	9	qualitative	qualitative	ADJ
ajis02-327	421	10	research	research	NOUN
ajis02-327	421	11	in	in	ADP
ajis02-327	421	12	information	information	NOUN
ajis02-327	421	13	systems	system	NOUN
ajis02-327	421	14	,	,	PUNCT
ajis02-327	421	15	"	"	PUNCT
ajis02-327	421	16	misq	misq	VERB
ajis02-327	421	17	discovery	discovery	PROPN
ajis02-327	421	18	,	,	PUNCT
ajis02-327	421	19	x	x	PRON
ajis02-327	421	20	,	,	PUNCT
ajis02-327	421	21	x.	x.	NOUN
ajis02-327	421	22	url	url	PROPN
ajis02-327	421	23	:	:	PUNCT
ajis02-327	421	24	http://www.auckland.ac.nz	http://www.auckland.ac.nz	NOUN
ajis02-327	421	25	/	/	SYM
ajis02-327	421	26	msis	msis	NOUN
ajis02-327	421	27	/	/	SYM
ajis02-327	421	28	isworld/	isworld/	NUM
ajis02-327	421	29	]	]	PUNCT
ajis02-327	421	30	neville	neville	PROPN
ajis02-327	421	31	,	,	PUNCT
ajis02-327	421	32	john	john	PROPN
ajis02-327	421	33	f.	f.	PROPN
ajis02-327	421	34	(	(	PUNCT
ajis02-327	421	35	1980	1980	NUM
ajis02-327	421	36	):	):	PUNCT
ajis02-327	421	37	no	no	DET
ajis02-327	421	38	violations	violation	NOUN
ajis02-327	421	39	of	of	ADP
ajis02-327	421	40	policy	policy	NOUN
ajis02-327	421	41	,	,	PUNCT
ajis02-327	421	42	rough	rough	ADJ
ajis02-327	421	43	notes	note	NOUN
ajis02-327	421	44	company	company	PROPN
ajis02-327	421	45	,	,	PUNCT
ajis02-327	421	46	inc	inc	PROPN
ajis02-327	421	47	.	.	PROPN
ajis02-327	421	48	,	,	PUNCT
ajis02-327	421	49	u.s.a	u.s.a	PROPN
ajis02-327	421	50	.	.	PROPN
ajis02-327	421	51	nouwens	nouwens	PROPN
ajis02-327	421	52	,	,	PUNCT
ajis02-327	421	53	john	john	PROPN
ajis02-327	421	54	and	and	CCONJ
ajis02-327	421	55	harry	harry	PROPN
ajis02-327	421	56	bouwman	bouwman	NOUN
ajis02-327	421	57	(	(	PUNCT
ajis02-327	421	58	1995	1995	NUM
ajis02-327	421	59	):	):	PUNCT
ajis02-327	421	60	"	"	PUNCT
ajis02-327	421	61	living	live	VERB
ajis02-327	421	62	apart	apart	ADV
ajis02-327	421	63	together	together	ADV
ajis02-327	421	64	in	in	ADP
ajis02-327	421	65	electronic	electronic	ADJ
ajis02-327	421	66	commerce	commerce	NOUN
ajis02-327	421	67	:	:	PUNCT
ajis02-327	421	68	the	the	DET
ajis02-327	421	69	use	use	NOUN
ajis02-327	421	70	of	of	ADP
ajis02-327	421	71	information	information	NOUN
ajis02-327	421	72	and	and	CCONJ
ajis02-327	421	73	communication	communication	NOUN
ajis02-327	421	74	technology	technology	NOUN
ajis02-327	421	75	to	to	PART
ajis02-327	421	76	create	create	VERB
ajis02-327	421	77	network	network	NOUN
ajis02-327	421	78	organisations	organisation	NOUN
ajis02-327	421	79	"	"	PUNCT
ajis02-327	421	80	,	,	PUNCT
ajis02-327	421	81	journal	journal	NOUN
ajis02-327	421	82	of	of	ADP
ajis02-327	421	83	computer	computer	NOUN
ajis02-327	421	84	mediated	mediate	VERB
ajis02-327	421	85	-	-	PUNCT
ajis02-327	421	86	communication	communication	NOUN
ajis02-327	421	87	,	,	PUNCT
ajis02-327	421	88	3	3	NUM
ajis02-327	421	89	,	,	PUNCT
ajis02-327	421	90	1	1	NUM
ajis02-327	421	91	-	-	SYM
ajis02-327	421	92	25	25	NUM
ajis02-327	421	93	.	.	PUNCT
ajis02-327	422	1	[	[	X
ajis02-327	422	2	url	url	X
ajis02-327	422	3	:	:	PUNCT
ajis02-327	422	4	http://jcmc.huji.ac.il/	http://jcmc.huji.ac.il/	SYM
ajis02-327	422	5	]	]	X
ajis02-327	422	6	payan	payan	PROPN
ajis02-327	422	7	,	,	PUNCT
ajis02-327	422	8	jack	jack	PROPN
ajis02-327	422	9	(	(	PUNCT
ajis02-327	422	10	1993	1993	NUM
ajis02-327	422	11	):	):	PUNCT
ajis02-327	422	12	"	"	PUNCT
ajis02-327	422	13	gathering	gathering	NOUN
ajis02-327	422	14	of	of	ADP
ajis02-327	422	15	eagles	eagle	NOUN
ajis02-327	422	16	"	"	PUNCT
ajis02-327	422	17	,	,	PUNCT
ajis02-327	422	18	in	in	ADP
ajis02-327	422	19	ronald	ronald	PROPN
ajis02-327	422	20	w.	w.	PROPN
ajis02-327	422	21	vinson	vinson	PROPN
ajis02-327	422	22	and	and	CCONJ
ajis02-327	422	23	jack	jack	PROPN
ajis02-327	422	24	payan	payan	PROPN
ajis02-327	422	25	(	(	PUNCT
ajis02-327	422	26	editors	editor	NOUN
ajis02-327	422	27	)	)	PUNCT
ajis02-327	422	28	,	,	PUNCT
ajis02-327	422	29	soaring	soar	VERB
ajis02-327	422	30	with	with	ADP
ajis02-327	422	31	eagles	eagle	NOUN
ajis02-327	422	32	:	:	PUNCT
ajis02-327	422	33	the	the	DET
ajis02-327	422	34	rise	rise	NOUN
ajis02-327	422	35	of	of	ADP
ajis02-327	422	36	independent	independent	ADJ
ajis02-327	422	37	insurance	insurance	NOUN
ajis02-327	422	38	agents	agent	NOUN
ajis02-327	422	39	in	in	ADP
ajis02-327	422	40	america	america	PROPN
ajis02-327	422	41	,	,	PUNCT
ajis02-327	422	42	independent	independent	ADJ
ajis02-327	422	43	insurance	insurance	NOUN
ajis02-327	422	44	agents	agent	NOUN
ajis02-327	422	45	of	of	ADP
ajis02-327	422	46	america	america	PROPN
ajis02-327	422	47	,	,	PUNCT
ajis02-327	422	48	virginia	virginia	PROPN
ajis02-327	422	49	.	.	PUNCT
ajis02-327	423	1	porter	porter	PROPN
ajis02-327	423	2	,	,	PUNCT
ajis02-327	423	3	michael	michael	PROPN
ajis02-327	423	4	e.	e.	PROPN
ajis02-327	423	5	(	(	PUNCT
ajis02-327	423	6	1985	1985	NUM
ajis02-327	423	7	):	):	PUNCT
ajis02-327	423	8	competitive	competitive	ADJ
ajis02-327	423	9	advantage	advantage	NOUN
ajis02-327	423	10	:	:	PUNCT
ajis02-327	423	11	creating	create	VERB
ajis02-327	423	12	and	and	CCONJ
ajis02-327	423	13	sustaining	sustain	VERB
ajis02-327	423	14	superior	superior	ADJ
ajis02-327	423	15	performance	performance	NOUN
ajis02-327	423	16	,	,	PUNCT
ajis02-327	423	17	free	free	ADJ
ajis02-327	423	18	press	press	NOUN
ajis02-327	423	19	,	,	PUNCT
ajis02-327	423	20	new	new	PROPN
ajis02-327	423	21	york	york	PROPN
ajis02-327	423	22	.	.	PUNCT
ajis02-327	424	1	porter	porter	PROPN
ajis02-327	424	2	,	,	PUNCT
ajis02-327	424	3	michael	michael	PROPN
ajis02-327	424	4	e.	e.	PROPN
ajis02-327	424	5	(	(	PUNCT
ajis02-327	424	6	1979	1979	NUM
ajis02-327	424	7	):	):	PUNCT
ajis02-327	424	8	"	"	PUNCT
ajis02-327	424	9	how	how	SCONJ
ajis02-327	424	10	competitive	competitive	ADJ
ajis02-327	424	11	forces	force	NOUN
ajis02-327	424	12	shape	shape	VERB
ajis02-327	424	13	strategy	strategy	NOUN
ajis02-327	424	14	"	"	PUNCT
ajis02-327	424	15	,	,	PUNCT
ajis02-327	424	16	harvard	harvard	PROPN
ajis02-327	424	17	business	business	PROPN
ajis02-327	424	18	review	review	PROPN
ajis02-327	424	19	,	,	PUNCT
ajis02-327	424	20	marchapril	marchapril	NOUN
ajis02-327	424	21	,	,	PUNCT
ajis02-327	424	22	137	137	NUM
ajis02-327	424	23	-	-	SYM
ajis02-327	424	24	45	45	NUM
ajis02-327	424	25	.	.	PUNCT
ajis02-327	424	26	rayport	rayport	NOUN
ajis02-327	424	27	,	,	PUNCT
ajis02-327	424	28	j.	j.	PROPN
ajis02-327	424	29	and	and	CCONJ
ajis02-327	424	30	sviokla	sviokla	PROPN
ajis02-327	424	31	,	,	PUNCT
ajis02-327	424	32	j.	j.	PROPN
ajis02-327	424	33	(	(	PUNCT
ajis02-327	424	34	1995	1995	NUM
ajis02-327	424	35	):	):	PUNCT
ajis02-327	424	36	"	"	PUNCT
ajis02-327	424	37	exploiting	exploit	VERB
ajis02-327	424	38	the	the	DET
ajis02-327	424	39	virtual	virtual	ADJ
ajis02-327	424	40	value	value	NOUN
ajis02-327	424	41	chain	chain	NOUN
ajis02-327	424	42	"	"	PUNCT
ajis02-327	424	43	,	,	PUNCT
ajis02-327	424	44	harvard	harvard	PROPN
ajis02-327	424	45	business	business	PROPN
ajis02-327	424	46	review	review	PROPN
ajis02-327	424	47	,	,	PUNCT
ajis02-327	424	48	november	november	PROPN
ajis02-327	424	49	-	-	PUNCT
ajis02-327	424	50	december	december	PROPN
ajis02-327	424	51	,	,	PUNCT
ajis02-327	424	52	75	75	NUM
ajis02-327	424	53	-	-	SYM
ajis02-327	424	54	85	85	NUM
ajis02-327	424	55	.	.	NOUN
ajis02-327	425	1	41	41	NUM
ajis02-327	425	2	ajis	ajis	ADV
ajis02-327	425	3	special	special	PROPN
ajis02-327	425	4	edition	edition	NOUN
ajis02-327	425	5	electronic	electronic	PROPN
ajis02-327	425	6	commerce	commerce	PROPN
ajis02-327	425	7	november	november	PROPN
ajis02-327	425	8	1998	1998	NUM
ajis02-327	425	9	sarkar	sarkar	PROPN
ajis02-327	425	10	,	,	PUNCT
ajis02-327	425	11	mirtra	mirtra	PROPN
ajis02-327	425	12	b.	b.	PROPN
ajis02-327	425	13	,	,	PUNCT
ajis02-327	425	14	brian	brian	PROPN
ajis02-327	425	15	butler	butler	PROPN
ajis02-327	425	16	and	and	CCONJ
ajis02-327	425	17	charles	charles	PROPN
ajis02-327	425	18	steinfield	steinfield	PROPN
ajis02-327	425	19	(	(	PUNCT
ajis02-327	425	20	1995	1995	NUM
ajis02-327	425	21	):	):	PUNCT
ajis02-327	425	22	"	"	PUNCT
ajis02-327	425	23	intermediaries	intermediary	NOUN
ajis02-327	425	24	and	and	CCONJ
ajis02-327	425	25	cybermediaries	cybermediarie	NOUN
ajis02-327	425	26	:	:	PUNCT
ajis02-327	425	27	a	a	DET
ajis02-327	425	28	continuing	continue	VERB
ajis02-327	425	29	role	role	NOUN
ajis02-327	425	30	for	for	ADP
ajis02-327	425	31	mediating	mediate	VERB
ajis02-327	425	32	players	player	NOUN
ajis02-327	425	33	in	in	ADP
ajis02-327	425	34	the	the	DET
ajis02-327	425	35	electronic	electronic	ADJ
ajis02-327	425	36	marketplace	marketplace	NOUN
ajis02-327	425	37	"	"	PUNCT
ajis02-327	425	38	,	,	PUNCT
ajis02-327	425	39	journal	journal	NOUN
ajis02-327	425	40	of	of	ADP
ajis02-327	425	41	computer	computer	NOUN
ajis02-327	425	42	mediatedcommunication	mediatedcommunication	NOUN
ajis02-327	425	43	,	,	PUNCT
ajis02-327	425	44	3,1	3,1	NUM
ajis02-327	425	45	-	-	SYM
ajis02-327	425	46	17	17	NUM
ajis02-327	425	47	.	.	PUNCT
ajis02-327	426	1	[	[	X
ajis02-327	426	2	url	url	X
ajis02-327	426	3	:	:	PUNCT
ajis02-327	426	4	http://jcmc.huji.ac.il/	http://jcmc.huji.ac.il/	SYM
ajis02-327	426	5	]	]	X
ajis02-327	426	6	steinfield	steinfield	PROPN
ajis02-327	426	7	,	,	PUNCT
ajis02-327	426	8	charles	charles	PROPN
ajis02-327	426	9	,	,	PUNCT
ajis02-327	426	10	robert	robert	PROPN
ajis02-327	426	11	kraut	kraut	PROPN
ajis02-327	426	12	and	and	CCONJ
ajis02-327	426	13	alice	alice	PROPN
ajis02-327	426	14	plummer	plummer	PROPN
ajis02-327	426	15	(	(	PUNCT
ajis02-327	426	16	1995	1995	NUM
ajis02-327	426	17	):	):	PUNCT
ajis02-327	426	18	"	"	PUNCT
ajis02-327	426	19	the	the	DET
ajis02-327	426	20	impact	impact	NOUN
ajis02-327	426	21	of	of	ADP
ajis02-327	426	22	electronic	electronic	ADJ
ajis02-327	426	23	commerce	commerce	NOUN
ajis02-327	426	24	on	on	ADP
ajis02-327	426	25	buyerseller	buyerseller	NOUN
ajis02-327	426	26	relationships	relationship	NOUN
ajis02-327	426	27	"	"	PUNCT
ajis02-327	426	28	,	,	PUNCT
ajis02-327	426	29	journal	journal	NOUN
ajis02-327	426	30	of	of	ADP
ajis02-327	426	31	computer	computer	NOUN
ajis02-327	426	32	mediated	mediate	VERB
ajis02-327	426	33	-	-	PUNCT
ajis02-327	426	34	communication	communication	NOUN
ajis02-327	426	35	,	,	PUNCT
ajis02-327	426	36	3,1	3,1	NUM
ajis02-327	426	37	-	-	SYM
ajis02-327	426	38	17	17	NUM
ajis02-327	426	39	.	.	PUNCT
ajis02-327	427	1	[	[	X
ajis02-327	427	2	url	url	X
ajis02-327	427	3	:	:	PUNCT
ajis02-327	427	4	http://jcmc.huji.ac.il/	http://jcmc.huji.ac.il/	SYM
ajis02-327	427	5	]	]	X
ajis02-327	427	6	stewart	stewart	PROPN
ajis02-327	427	7	,	,	PUNCT
ajis02-327	427	8	thomas	thomas	PROPN
ajis02-327	427	9	a.	a.	PROPN
ajis02-327	427	10	(	(	PUNCT
ajis02-327	427	11	1993	1993	NUM
ajis02-327	427	12	):	):	PUNCT
ajis02-327	427	13	"	"	PUNCT
ajis02-327	427	14	boom	boom	NOUN
ajis02-327	427	15	time	time	NOUN
ajis02-327	427	16	on	on	ADP
ajis02-327	427	17	the	the	DET
ajis02-327	427	18	new	new	ADJ
ajis02-327	427	19	frontier	frontier	NOUN
ajis02-327	427	20	"	"	PUNCT
ajis02-327	427	21	,	,	PUNCT
ajis02-327	427	22	fortune	fortune	PROPN
ajis02-327	427	23	magazine	magazine	NOUN
ajis02-327	427	24	,	,	PUNCT
ajis02-327	427	25	autumn	autumn	PROPN
ajis02-327	427	26	,	,	PUNCT
ajis02-327	427	27	153	153	NUM
ajis02-327	427	28	.	.	PUNCT
ajis02-327	427	29	swamidass	swamidass	PROPN
ajis02-327	427	30	,	,	PUNCT
ajis02-327	427	31	p.m.	p.m.	NOUN
ajis02-327	427	32	(	(	PUNCT
ajis02-327	427	33	1991	1991	NUM
ajis02-327	427	34	):	):	PUNCT
ajis02-327	427	35	"	"	PUNCT
ajis02-327	427	36	empirical	empirical	ADJ
ajis02-327	427	37	research	research	NOUN
ajis02-327	427	38	:	:	PUNCT
ajis02-327	427	39	new	new	ADJ
ajis02-327	427	40	frontier	frontier	NOUN
ajis02-327	427	41	in	in	ADP
ajis02-327	427	42	operations	operation	NOUN
ajis02-327	427	43	management	management	NOUN
ajis02-327	427	44	"	"	PUNCT
ajis02-327	427	45	,	,	PUNCT
ajis02-327	427	46	academy	academy	NOUN
ajis02-327	427	47	of	of	ADP
ajis02-327	427	48	management	management	PROPN
ajis02-327	427	49	review	review	PROPN
ajis02-327	427	50	,	,	PUNCT
ajis02-327	427	51	16,4,793	16,4,793	NUM
ajis02-327	427	52	-	-	SYM
ajis02-327	427	53	814	814	NUM
ajis02-327	427	54	.	.	PUNCT
ajis02-327	428	1	thornton	thornton	PROPN
ajis02-327	428	2	,	,	PUNCT
ajis02-327	428	3	e.	e.	PROPN
ajis02-327	428	4	(	(	PUNCT
ajis02-327	428	5	1994	1994	NUM
ajis02-327	428	6	):	):	PUNCT
ajis02-327	428	7	"	"	PUNCT
ajis02-327	428	8	revolution	revolution	NOUN
ajis02-327	428	9	in	in	ADP
ajis02-327	428	10	japanese	japanese	ADJ
ajis02-327	428	11	retailing	retailing	NOUN
ajis02-327	428	12	"	"	PUNCT
ajis02-327	428	13	,	,	PUNCT
ajis02-327	428	14	fortune	fortune	PROPN
ajis02-327	428	15	,	,	PUNCT
ajis02-327	428	16	february	february	PROPN
ajis02-327	428	17	,	,	PUNCT
ajis02-327	428	18	144	144	NUM
ajis02-327	428	19	.	.	PUNCT
ajis02-327	428	20	williamson	williamson	PROPN
ajis02-327	428	21	,	,	PUNCT
ajis02-327	428	22	o.	o.	PROPN
ajis02-327	428	23	(	(	PUNCT
ajis02-327	428	24	1975	1975	NUM
ajis02-327	428	25	):	):	PUNCT
ajis02-327	428	26	markets	market	NOUN
ajis02-327	428	27	and	and	CCONJ
ajis02-327	428	28	hierarchies	hierarchy	NOUN
ajis02-327	428	29	:	:	PUNCT
ajis02-327	428	30	analysis	analysis	NOUN
ajis02-327	428	31	and	and	CCONJ
ajis02-327	428	32	antitrust	antitrust	ADJ
ajis02-327	428	33	implications	implication	NOUN
ajis02-327	428	34	,	,	PUNCT
ajis02-327	428	35	free	free	ADJ
ajis02-327	428	36	press	press	NOUN
ajis02-327	428	37	,	,	PUNCT
ajis02-327	428	38	new	new	PROPN
ajis02-327	428	39	york	york	PROPN
ajis02-327	428	40	.	.	PUNCT
ajis02-327	429	1	wiseman	wiseman	PROPN
ajis02-327	429	2	,	,	PUNCT
ajis02-327	429	3	charles	charles	PROPN
ajis02-327	429	4	(	(	PUNCT
ajis02-327	429	5	1995	1995	NUM
ajis02-327	429	6	):	):	PUNCT
ajis02-327	429	7	strategy	strategy	NOUN
ajis02-327	429	8	and	and	CCONJ
ajis02-327	429	9	computers	computer	NOUN
ajis02-327	429	10	:	:	PUNCT
ajis02-327	429	11	information	information	NOUN
ajis02-327	429	12	systems	system	NOUN
ajis02-327	429	13	as	as	ADP
ajis02-327	429	14	competitive	competitive	ADJ
ajis02-327	429	15	weapons	weapon	NOUN
ajis02-327	429	16	,	,	PUNCT
ajis02-327	429	17	dow	dow	PROPN
ajis02-327	429	18	jones	jones	PROPN
ajis02-327	429	19	-irwin	-irwin	PROPN
ajis02-327	429	20	,	,	PUNCT
ajis02-327	429	21	new	new	PROPN
ajis02-327	429	22	york	york	PROPN
ajis02-327	429	23	.	.	PUNCT
ajis02-327	430	1	yin	yin	PROPN
ajis02-327	430	2	,	,	PUNCT
ajis02-327	430	3	r.k	r.k	PROPN
ajis02-327	430	4	.	.	PROPN
ajis02-327	430	5	(	(	PUNCT
ajis02-327	430	6	1994	1994	NUM
ajis02-327	430	7	):	):	PUNCT
ajis02-327	430	8	case	case	NOUN
ajis02-327	430	9	study	study	NOUN
ajis02-327	430	10	research	research	NOUN
ajis02-327	430	11	,	,	PUNCT
ajis02-327	430	12	design	design	NOUN
ajis02-327	430	13	and	and	CCONJ
ajis02-327	430	14	methods	method	NOUN
ajis02-327	430	15	,	,	PUNCT
ajis02-327	430	16	sage	sage	NOUN
ajis02-327	430	17	publications	publication	NOUN
ajis02-327	430	18	,	,	PUNCT
ajis02-327	430	19	newbury	newbury	PROPN
ajis02-327	430	20	park	park	PROPN
ajis02-327	430	21	.	.	PUNCT
ajis02-327	431	1	cambridge	cambridge	PROPN
ajis02-327	431	2	telecom	telecom	PROPN
ajis02-327	431	3	report	report	PROPN
ajis02-327	431	4	(	(	PUNCT
ajis02-327	431	5	1997	1997	NUM
ajis02-327	431	6	):	):	PUNCT
ajis02-327	431	7	"	"	PUNCT
ajis02-327	431	8	internet	internet	NOUN
ajis02-327	431	9	commerce	commerce	NOUN
ajis02-327	431	10	:	:	PUNCT
ajis02-327	431	11	ten	ten	NUM
ajis02-327	431	12	key	key	ADJ
ajis02-327	431	13	legal	legal	ADJ
ajis02-327	431	14	and	and	CCONJ
ajis02-327	431	15	regulatory	regulatory	ADJ
ajis02-327	431	16	issues	issue	NOUN
ajis02-327	431	17	facing	face	VERB
ajis02-327	431	18	the	the	DET
ajis02-327	431	19	growth	growth	NOUN
ajis02-327	431	20	"	"	PUNCT
ajis02-327	431	21	,	,	PUNCT
ajis02-327	431	22	february	february	PROPN
ajis02-327	431	23	17	17	NUM
ajis02-327	431	24	.	.	PUNCT
ajis02-327	432	1	cambridge	cambridge	PROPN
ajis02-327	432	2	work	work	PROPN
ajis02-327	432	3	-	-	PUNCT
ajis02-327	432	4	group	group	NOUN
ajis02-327	432	5	computing	computing	NOUN
ajis02-327	432	6	report	report	NOUN
ajis02-327	432	7	(	(	PUNCT
ajis02-327	432	8	1997	1997	NUM
ajis02-327	432	9	):	):	PUNCT
ajis02-327	432	10	"	"	PUNCT
ajis02-327	432	11	internet	internet	NOUN
ajis02-327	432	12	shopping	shopping	NOUN
ajis02-327	432	13	:	:	PUNCT
ajis02-327	432	14	'	'	PUNCT
ajis02-327	432	15	startling	startling	ADJ
ajis02-327	432	16	increase	increase	NOUN
ajis02-327	432	17	'	'	PUNCT
ajis02-327	432	18	in	in	ADP
ajis02-327	432	19	internet	internet	NOUN
ajis02-327	432	20	shopping	shopping	NOUN
ajis02-327	432	21	"	"	PUNCT
ajis02-327	432	22	,	,	PUNCT
ajis02-327	432	23	march	march	PROPN
ajis02-327	432	24	17	17	NUM
ajis02-327	432	25	.	.	PUNCT
ajis02-327	433	1	commercenet	commercenet	PROPN
ajis02-327	433	2	/	/	SYM
ajis02-327	433	3	nielson	nielson	PROPN
ajis02-327	433	4	internet	internet	NOUN
ajis02-327	433	5	demographics	demographic	NOUN
ajis02-327	433	6	survey	survey	NOUN
ajis02-327	433	7	(	(	PUNCT
ajis02-327	433	8	1997	1997	NUM
ajis02-327	433	9	):	):	PUNCT
ajis02-327	433	10	spring	spring	NOUN
ajis02-327	434	1	[	[	X
ajis02-327	434	2	url	url	NOUN
ajis02-327	434	3	:	:	PUNCT
ajis02-327	434	4	http://www.commerce.net/	http://www.commerce.net/	NUM
ajis02-327	434	5	]	]	X
ajis02-327	434	6	commercenet	commercenet	PROPN
ajis02-327	434	7	/	/	SYM
ajis02-327	434	8	nielson	nielson	PROPN
ajis02-327	434	9	internet	internet	NOUN
ajis02-327	434	10	demographics	demographic	NOUN
ajis02-327	434	11	survey	survey	NOUN
ajis02-327	434	12	(	(	PUNCT
ajis02-327	434	13	1996	1996	NUM
ajis02-327	434	14	):	):	PUNCT
ajis02-327	434	15	march	march	PROPN
ajis02-327	434	16	-	-	PUNCT
ajis02-327	434	17	april	april	PROPN
ajis02-327	435	1	[	[	X
ajis02-327	435	2	url	url	NOUN
ajis02-327	435	3	:	:	PUNCT
ajis02-327	435	4	http://www.commerce.net/	http://www.commerce.net/	NUM
ajis02-327	435	5	]	]	PUNCT
ajis02-327	435	6	consumer	consumer	NOUN
ajis02-327	435	7	payment	payment	NOUN
ajis02-327	435	8	preferences	preference	NOUN
ajis02-327	435	9	in	in	ADP
ajis02-327	435	10	the	the	DET
ajis02-327	435	11	physical	physical	ADJ
ajis02-327	435	12	world	world	NOUN
ajis02-327	435	13	and	and	CCONJ
ajis02-327	435	14	the	the	DET
ajis02-327	435	15	virtual	virtual	ADJ
ajis02-327	435	16	world	world	NOUN
ajis02-327	435	17	(	(	PUNCT
ajis02-327	435	18	1996	1996	NUM
ajis02-327	435	19	):	):	PUNCT
ajis02-327	435	20	global	global	ADJ
ajis02-327	435	21	concepts	concept	NOUN
ajis02-327	435	22	and	and	CCONJ
ajis02-327	435	23	bank	bank	PROPN
ajis02-327	435	24	administration	administration	PROPN
ajis02-327	435	25	institute	institute	PROPN
ajis02-327	435	26	,	,	PUNCT
ajis02-327	435	27	september	september	PROPN
ajis02-327	436	1	[	[	X
ajis02-327	436	2	url	url	X
ajis02-327	436	3	:	:	PUNCT
ajis02-327	436	4	http://www	http://www	PROPN
ajis02-327	436	5	,	,	PUNCT
ajis02-327	436	6	global	global	ADJ
ajis02-327	436	7	-	-	PUNCT
ajis02-327	436	8	concepts.com	concepts.com	NOUN
ajis02-327	436	9	/	/	SYM
ajis02-327	436	10	research.html/	research.html/	PROPN
ajis02-327	436	11	]	]	PUNCT
ajis02-327	436	12	consumers	consumer	NOUN
ajis02-327	436	13	poised	poise	VERB
ajis02-327	436	14	to	to	PART
ajis02-327	436	15	use	use	VERB
ajis02-327	436	16	electronic	electronic	ADJ
ajis02-327	436	17	financial	financial	ADJ
ajis02-327	436	18	services	service	NOUN
ajis02-327	436	19	(	(	PUNCT
ajis02-327	436	20	1996	1996	NUM
ajis02-327	436	21	)	)	PUNCT
ajis02-327	436	22	,	,	PUNCT
ajis02-327	436	23	newsbytes	newsbyte	VERB
ajis02-327	436	24	news	news	NOUN
ajis02-327	436	25	network	network	NOUN
ajis02-327	436	26	,	,	PUNCT
ajis02-327	436	27	october	october	PROPN
ajis02-327	436	28	23	23	NUM
ajis02-327	436	29	,	,	PUNCT
ajis02-327	436	30	electronic	electronic	ADJ
ajis02-327	436	31	commerce	commerce	NOUN
ajis02-327	436	32	and	and	CCONJ
ajis02-327	436	33	the	the	DET
ajis02-327	436	34	internet	internet	NOUN
ajis02-327	436	35	:	:	PUNCT
ajis02-327	436	36	a	a	DET
ajis02-327	436	37	whole	whole	ADJ
ajis02-327	436	38	new	new	ADJ
ajis02-327	436	39	world	world	NOUN
ajis02-327	436	40	(	(	PUNCT
ajis02-327	436	41	1997	1997	NUM
ajis02-327	436	42	)	)	PUNCT
ajis02-327	436	43	,	,	PUNCT
ajis02-327	436	44	conning	con	VERB
ajis02-327	436	45	and	and	CCONJ
ajis02-327	436	46	company	company	NOUN
ajis02-327	436	47	future	future	ADJ
ajis02-327	436	48	one	one	NUM
ajis02-327	436	49	agency	agency	NOUN
ajis02-327	436	50	universe	universe	NOUN
ajis02-327	436	51	study	study	NOUN
ajis02-327	436	52	(	(	PUNCT
ajis02-327	436	53	1996	1996	NUM
ajis02-327	436	54	):	):	PUNCT
ajis02-327	436	55	independent	independent	ADJ
ajis02-327	436	56	insurance	insurance	NOUN
ajis02-327	436	57	agents	agent	NOUN
ajis02-327	436	58	of	of	ADP
ajis02-327	436	59	american	american	PROPN
ajis02-327	436	60	,	,	PUNCT
ajis02-327	436	61	inc	inc	PROPN
ajis02-327	436	62	.	.	PROPN
ajis02-327	436	63	alexandria	alexandria	PROPN
ajis02-327	436	64	,	,	PUNCT
ajis02-327	436	65	virginia	virginia	PROPN
ajis02-327	436	66	graphic	graphic	PROPN
ajis02-327	436	67	,	,	PUNCT
ajis02-327	436	68	visualisation	visualisation	NOUN
ajis02-327	436	69	and	and	CCONJ
ajis02-327	436	70	useability	useability	NOUN
ajis02-327	436	71	center	center	NOUN
ajis02-327	436	72	(	(	PUNCT
ajis02-327	436	73	1997	1997	NUM
ajis02-327	436	74	):	):	PUNCT
ajis02-327	436	75	"	"	PUNCT
ajis02-327	436	76	gvu	gvu	ADJ
ajis02-327	436	77	seventh	seventh	ADJ
ajis02-327	436	78	annual	annual	ADJ
ajis02-327	436	79	www	www	PROPN
ajis02-327	436	80	user	user	NOUN
ajis02-327	436	81	survey	survey	NOUN
ajis02-327	436	82	.	.	PUNCT
ajis02-327	437	1	[	[	X
ajis02-327	437	2	url	url	X
ajis02-327	437	3	:	:	PUNCT
ajis02-327	437	4	http://www.gyu.gatech.edu	http://www.gyu.gatech.edu	NOUN
ajis02-327	437	5	/	/	SYM
ajis02-327	437	6	user_surveys	user_surveys	PROPN
ajis02-327	437	7	/	/	SYM
ajis02-327	437	8	j	j	PROPN
ajis02-327	437	9	ibm	ibm	PROPN
ajis02-327	437	10	:	:	PUNCT
ajis02-327	437	11	study	study	NOUN
ajis02-327	437	12	reveals	reveal	VERB
ajis02-327	437	13	details	detail	NOUN
ajis02-327	437	14	for	for	ADP
ajis02-327	437	15	the	the	DET
ajis02-327	437	16	future	future	ADJ
ajis02-327	437	17	insurance	insurance	NOUN
ajis02-327	437	18	industry	industry	NOUN
ajis02-327	437	19	(	(	PUNCT
ajis02-327	437	20	1997	1997	NUM
ajis02-327	437	21	)	)	PUNCT
ajis02-327	437	22	,	,	PUNCT
ajis02-327	437	23	m2	m2	PROPN
ajis02-327	437	24	presswere	presswere	ADV
ajis02-327	437	25	,	,	PUNCT
ajis02-327	437	26	april	april	PROPN
ajis02-327	437	27	28	28	NUM
ajis02-327	437	28	national	national	PROPN
ajis02-327	437	29	association	association	PROPN
ajis02-327	437	30	of	of	ADP
ajis02-327	437	31	insurance	insurance	NOUN
ajis02-327	437	32	commisioners	commisioner	NOUN
ajis02-327	437	33	(	(	PUNCT
ajis02-327	437	34	naic)(1997	naic)(1997	NUM
ajis02-327	437	35	):	):	PUNCT
ajis02-327	437	36	the	the	DET
ajis02-327	437	37	marketing	marketing	NOUN
ajis02-327	437	38	of	of	ADP
ajis02-327	437	39	insurance	insurance	NOUN
ajis02-327	437	40	over	over	ADP
ajis02-327	437	41	the	the	DET
ajis02-327	437	42	internet	internet	NOUN
ajis02-327	437	43	,	,	PUNCT
ajis02-327	437	44	draft	draft	PROPN
ajis02-327	437	45	:	:	PUNCT
ajis02-327	437	46	june	june	PROPN
ajis02-327	437	47	4	4	NUM
ajis02-327	437	48	net	net	ADJ
ajis02-327	437	49	profits	profit	NOUN
ajis02-327	437	50	.	.	PUNCT
ajis02-327	438	1	(	(	PUNCT
ajis02-327	438	2	electronic	electronic	ADJ
ajis02-327	438	3	commerce	commerce	NOUN
ajis02-327	438	4	on	on	ADP
ajis02-327	438	5	the	the	DET
ajis02-327	438	6	internet)(1994	internet)(1994	NOUN
ajis02-327	438	7	)	)	PUNCT
ajis02-327	438	8	,	,	PUNCT
ajis02-327	438	9	the	the	DET
ajis02-327	438	10	economist	economist	NOUN
ajis02-327	438	11	,	,	PUNCT
ajis02-327	438	12	332	332	NUM
ajis02-327	438	13	,	,	PUNCT
ajis02-327	438	14	july	july	PROPN
ajis02-327	438	15	2	2	NUM
ajis02-327	438	16	,	,	PUNCT
ajis02-327	438	17	83(3	83(3	NUM
ajis02-327	438	18	)	)	PUNCT
ajis02-327	438	19	oracle	oracle	NOUN
ajis02-327	438	20	:	:	PUNCT
ajis02-327	438	21	research	research	NOUN
ajis02-327	438	22	shows	show	VERB
ajis02-327	438	23	business	business	NOUN
ajis02-327	438	24	and	and	CCONJ
ajis02-327	438	25	it	it	PRON
ajis02-327	438	26	at	at	ADP
ajis02-327	438	27	loggerheads	loggerhead	NOUN
ajis02-327	438	28	over	over	ADP
ajis02-327	438	29	the	the	DET
ajis02-327	438	30	take	take	NOUN
ajis02-327	438	31	up	up	ADP
ajis02-327	438	32	of	of	ADP
ajis02-327	438	33	electronic	electronic	ADJ
ajis02-327	438	34	commerce	commerce	NOUN
ajis02-327	438	35	(	(	PUNCT
ajis02-327	438	36	1997	1997	NUM
ajis02-327	438	37	)	)	PUNCT
ajis02-327	438	38	,	,	PUNCT
ajis02-327	438	39	telecomworldwire	telecomworldwire	NOUN
ajis02-327	438	40	,	,	PUNCT
ajis02-327	438	41	june	june	PROPN
ajis02-327	438	42	17	17	NUM
ajis02-327	438	43	understanding	understanding	NOUN
ajis02-327	438	44	cyberspace	cyberspace	NOUN
ajis02-327	438	45	,	,	PUNCT
ajis02-327	438	46	(	(	PUNCT
ajis02-327	438	47	computer	computer	NOUN
ajis02-327	438	48	networks)(survey	networks)(survey	NOUN
ajis02-327	438	49	of	of	ADP
ajis02-327	438	50	technology	technology	NOUN
ajis02-327	438	51	in	in	ADP
ajis02-327	438	52	finance	finance	NOUN
ajis02-327	438	53	)	)	PUNCT
ajis02-327	438	54	(	(	PUNCT
ajis02-327	438	55	1996	1996	NUM
ajis02-327	438	56	)	)	PUNCT
ajis02-327	438	57	,	,	PUNCT
ajis02-327	438	58	the	the	DET
ajis02-327	438	59	economist	economist	NOUN
ajis02-327	438	60	,	,	PUNCT
ajis02-327	438	61	34	34	NUM
ajis02-327	438	62	i.october	i.october	PROPN
ajis02-327	438	63	26	26	NUM
ajis02-327	438	64	world	world	NOUN
ajis02-327	438	65	insurance	insurance	NOUN
ajis02-327	438	66	network	network	NOUN
ajis02-327	438	67	:	:	PUNCT
ajis02-327	438	68	world	world	NOUN
ajis02-327	438	69	insurance	insurance	NOUN
ajis02-327	438	70	network	network	NOUN
ajis02-327	438	71	sparks	spark	VERB
ajis02-327	438	72	to	to	ADP
ajis02-327	438	73	life	life	NOUN
ajis02-327	438	74	(	(	PUNCT
ajis02-327	438	75	1996	1996	NUM
ajis02-327	438	76	)	)	PUNCT
ajis02-327	438	77	,	,	PUNCT
ajis02-327	438	78	m2	m2	PROPN
ajis02-327	438	79	presswire	presswire	NOUN
ajis02-327	438	80	,	,	PUNCT
ajis02-327	438	81	march	march	PROPN
ajis02-327	438	82	18	18	NUM
ajis02-327	438	83	42	42	NUM
ajis02-327	438	84	ajis	ajis	ADV
ajis02-327	438	85	special	special	PROPN
ajis02-327	438	86	edition	edition	NOUN
ajis02-327	438	87	electronic	electronic	PROPN
ajis02-327	438	88	commerce	commerce	PROPN
ajis02-327	438	89	november	november	PROPN
ajis02-327	438	90	1998	1998	NUM
ajis02-327	438	91	appendix	appendix	NOUN
ajis02-327	438	92	interview	interview	NOUN
ajis02-327	438	93	guide	guide	NOUN
ajis02-327	438	94	section	section	PROPN
ajis02-327	438	95	i.	i.	PROPN
ajis02-327	438	96	subject	subject	PROPN
ajis02-327	438	97	information	information	NOUN
ajis02-327	438	98	name	name	NOUN
ajis02-327	438	99	:	:	PUNCT
ajis02-327	438	100	position	position	NOUN
ajis02-327	438	101	:	:	PUNCT
ajis02-327	438	102	organisation	organisation	NOUN
ajis02-327	438	103	:	:	PUNCT
ajis02-327	438	104	phone	phone	NOUN
ajis02-327	438	105	number	number	NOUN
ajis02-327	438	106	:	:	PUNCT
ajis02-327	438	107	address	address	NOUN
ajis02-327	438	108	:	:	PUNCT
ajis02-327	438	109	city	city	NOUN
ajis02-327	438	110	,	,	PUNCT
ajis02-327	438	111	state	state	NOUN
ajis02-327	438	112	,	,	PUNCT
ajis02-327	438	113	zip	zip	PROPN
ajis02-327	438	114	:	:	PUNCT
ajis02-327	438	115	section	section	PROPN
ajis02-327	438	116	ii	ii	PROPN
ajis02-327	438	117	.	.	PUNCT
ajis02-327	439	1	research	research	PROPN
ajis02-327	439	2	objective	objective	ADJ
ajis02-327	439	3	general	general	ADJ
ajis02-327	439	4	management	management	NOUN
ajis02-327	439	5	question	question	NOUN
ajis02-327	439	6	:	:	PUNCT
ajis02-327	439	7	how	how	SCONJ
ajis02-327	439	8	is	be	AUX
ajis02-327	439	9	the	the	DET
ajis02-327	439	10	internet	internet	NOUN
ajis02-327	439	11	,	,	PUNCT
ajis02-327	439	12	as	as	ADP
ajis02-327	439	13	an	an	DET
ajis02-327	439	14	electronic	electronic	ADJ
ajis02-327	439	15	market	market	NOUN
ajis02-327	439	16	,	,	PUNCT
ajis02-327	439	17	changing	change	VERB
ajis02-327	439	18	the	the	DET
ajis02-327	439	19	role	role	NOUN
ajis02-327	439	20	of	of	ADP
ajis02-327	439	21	independent	independent	ADJ
ajis02-327	439	22	insurance	insurance	NOUN
ajis02-327	439	23	agents	agent	NOUN
ajis02-327	439	24	in	in	ADP
ajis02-327	439	25	the	the	DET
ajis02-327	439	26	insurance	insurance	NOUN
ajis02-327	439	27	industry	industry	NOUN
ajis02-327	439	28	?	?	PUNCT
ajis02-327	440	1	section	section	NOUN
ajis02-327	440	2	iii	iii	PROPN
ajis02-327	440	3	.	.	PUNCT
ajis02-327	440	4	interview	interview	NOUN
ajis02-327	440	5	guide	guide	NOUN
ajis02-327	440	6	•	•	CCONJ
ajis02-327	440	7	electronic	electronic	ADJ
ajis02-327	440	8	communication	communication	NOUN
ajis02-327	440	9	effect	effect	NOUN
ajis02-327	440	10	1	1	NUM
ajis02-327	440	11	.	.	PUNCT
ajis02-327	441	1	does	do	AUX
ajis02-327	441	2	the	the	DET
ajis02-327	441	3	internet	internet	NOUN
ajis02-327	441	4	allow	allow	VERB
ajis02-327	441	5	for	for	SCONJ
ajis02-327	441	6	more	more	ADJ
ajis02-327	441	7	information	information	NOUN
ajis02-327	441	8	about	about	ADP
ajis02-327	441	9	insurance	insurance	NOUN
ajis02-327	441	10	products	product	NOUN
ajis02-327	441	11	and	and	CCONJ
ajis02-327	441	12	prices	price	NOUN
ajis02-327	441	13	to	to	PART
ajis02-327	441	14	be	be	AUX
ajis02-327	441	15	communicated	communicate	VERB
ajis02-327	441	16	in	in	ADP
ajis02-327	441	17	the	the	DET
ajis02-327	441	18	same	same	ADJ
ajis02-327	441	19	amount	amount	NOUN
ajis02-327	441	20	of	of	ADP
ajis02-327	441	21	time	time	NOUN
ajis02-327	441	22	as	as	ADP
ajis02-327	441	23	traditional	traditional	ADJ
ajis02-327	441	24	communication	communication	NOUN
ajis02-327	441	25	methods	method	NOUN
ajis02-327	441	26	?	?	PUNCT
ajis02-327	442	1	how	how	SCONJ
ajis02-327	442	2	?	?	PUNCT
ajis02-327	443	1	why	why	SCONJ
ajis02-327	443	2	?	?	PUNCT
ajis02-327	444	1	2	2	X
ajis02-327	444	2	.	.	X
ajis02-327	444	3	does	do	AUX
ajis02-327	444	4	the	the	DET
ajis02-327	444	5	internet	internet	NOUN
ajis02-327	444	6	allow	allow	VERB
ajis02-327	444	7	for	for	SCONJ
ajis02-327	444	8	the	the	DET
ajis02-327	444	9	costs	cost	NOUN
ajis02-327	444	10	of	of	ADP
ajis02-327	444	11	this	this	DET
ajis02-327	444	12	communication	communication	NOUN
ajis02-327	444	13	to	to	PART
ajis02-327	444	14	be	be	AUX
ajis02-327	444	15	decreased	decrease	VERB
ajis02-327	444	16	dramatically	dramatically	ADV
ajis02-327	444	17	?	?	PUNCT
ajis02-327	445	1	how	how	SCONJ
ajis02-327	445	2	?	?	PUNCT
ajis02-327	446	1	why	why	SCONJ
ajis02-327	446	2	?	?	PUNCT
ajis02-327	447	1	•	•	NUM
ajis02-327	447	2	electronic	electronic	ADJ
ajis02-327	447	3	brokerage	brokerage	NOUN
ajis02-327	447	4	effect	effect	NOUN
ajis02-327	447	5	3	3	X
ajis02-327	447	6	.	.	PUNCT
ajis02-327	448	1	does	do	AUX
ajis02-327	448	2	the	the	DET
ajis02-327	448	3	internet	internet	NOUN
ajis02-327	448	4	allow	allow	VERB
ajis02-327	448	5	agents	agent	NOUN
ajis02-327	448	6	and	and	CCONJ
ajis02-327	448	7	companies	company	NOUN
ajis02-327	448	8	to	to	PART
ajis02-327	448	9	connect	connect	VERB
ajis02-327	448	10	a	a	DET
ajis02-327	448	11	large	large	ADJ
ajis02-327	448	12	amount	amount	NOUN
ajis02-327	448	13	of	of	ADP
ajis02-327	448	14	different	different	ADJ
ajis02-327	448	15	buyers	buyer	NOUN
ajis02-327	448	16	?	?	PUNCT
ajis02-327	449	1	sellers	seller	NOUN
ajis02-327	449	2	?	?	PUNCT
ajis02-327	450	1	how	how	SCONJ
ajis02-327	450	2	?	?	PUNCT
ajis02-327	451	1	why	why	SCONJ
ajis02-327	451	2	?	?	PUNCT
ajis02-327	452	1	4	4	X
ajis02-327	452	2	.	.	X
ajis02-327	452	3	does	do	AUX
ajis02-327	452	4	the	the	DET
ajis02-327	452	5	internet	internet	NOUN
ajis02-327	452	6	fulfil	fulfil	NOUN
ajis02-327	452	7	the	the	DET
ajis02-327	452	8	function	function	NOUN
ajis02-327	452	9	of	of	ADP
ajis02-327	452	10	assisting	assist	VERB
ajis02-327	452	11	to	to	PART
ajis02-327	452	12	match	match	VERB
ajis02-327	452	13	consumers	consumer	NOUN
ajis02-327	452	14	with	with	ADP
ajis02-327	452	15	sellers	seller	NOUN
ajis02-327	452	16	of	of	ADP
ajis02-327	452	17	insurance	insurance	NOUN
ajis02-327	452	18	?	?	PUNCT
ajis02-327	453	1	how	how	SCONJ
ajis02-327	453	2	?	?	PUNCT
ajis02-327	454	1	why	why	SCONJ
ajis02-327	454	2	?	?	PUNCT
ajis02-327	455	1	5	5	X
ajis02-327	455	2	.	.	X
ajis02-327	455	3	does	do	AUX
ajis02-327	455	4	the	the	DET
ajis02-327	455	5	internet	internet	NOUN
ajis02-327	455	6	increase	increase	VERB
ajis02-327	455	7	the	the	DET
ajis02-327	455	8	number	number	NOUN
ajis02-327	455	9	of	of	ADP
ajis02-327	455	10	alternatives	alternative	NOUN
ajis02-327	455	11	of	of	ADP
ajis02-327	455	12	insurance	insurance	NOUN
ajis02-327	455	13	products	product	NOUN
ajis02-327	455	14	and	and	CCONJ
ajis02-327	455	15	services	service	NOUN
ajis02-327	455	16	a	a	DET
ajis02-327	455	17	consumer	consumer	NOUN
ajis02-327	455	18	can	can	AUX
ajis02-327	455	19	consider	consider	VERB
ajis02-327	455	20	?	?	PUNCT
ajis02-327	456	1	how	how	SCONJ
ajis02-327	456	2	?	?	PUNCT
ajis02-327	457	1	why	why	SCONJ
ajis02-327	457	2	?	?	PUNCT
ajis02-327	458	1	6	6	X
ajis02-327	458	2	.	.	PUNCT
ajis02-327	458	3	does	do	AUX
ajis02-327	458	4	the	the	DET
ajis02-327	458	5	internet	internet	NOUN
ajis02-327	458	6	increase	increase	VERB
ajis02-327	458	7	the	the	DET
ajis02-327	458	8	quality	quality	NOUN
ajis02-327	458	9	of	of	ADP
ajis02-327	458	10	the	the	DET
ajis02-327	458	11	alternative	alternative	NOUN
ajis02-327	458	12	eventually	eventually	ADV
ajis02-327	458	13	selected	select	VERB
ajis02-327	458	14	?	?	PUNCT
ajis02-327	459	1	how	how	SCONJ
ajis02-327	459	2	?	?	PUNCT
ajis02-327	460	1	why	why	SCONJ
ajis02-327	460	2	?	?	PUNCT
ajis02-327	461	1	7	7	X
ajis02-327	461	2	.	.	X
ajis02-327	461	3	does	do	AUX
ajis02-327	461	4	the	the	DET
ajis02-327	461	5	internet	internet	NOUN
ajis02-327	461	6	have	have	VERB
ajis02-327	461	7	the	the	DET
ajis02-327	461	8	potential	potential	NOUN
ajis02-327	461	9	to	to	PART
ajis02-327	461	10	decrease	decrease	VERB
ajis02-327	461	11	the	the	DET
ajis02-327	461	12	cost	cost	NOUN
ajis02-327	461	13	of	of	ADP
ajis02-327	461	14	the	the	DET
ajis02-327	461	15	entire	entire	ADJ
ajis02-327	461	16	product	product	NOUN
ajis02-327	461	17	selection	selection	NOUN
ajis02-327	461	18	process	process	NOUN
ajis02-327	461	19	?	?	PUNCT
ajis02-327	462	1	how	how	SCONJ
ajis02-327	462	2	?	?	PUNCT
ajis02-327	463	1	why	why	SCONJ
ajis02-327	463	2	?	?	PUNCT
ajis02-327	464	1	•	•	NOUN
ajis02-327	464	2	electronic	electronic	ADJ
ajis02-327	464	3	integration	integration	NOUN
ajis02-327	464	4	effect	effect	NOUN
ajis02-327	464	5	8	8	NUM
ajis02-327	464	6	.	.	PUNCT
ajis02-327	465	1	does	do	AUX
ajis02-327	465	2	the	the	DET
ajis02-327	465	3	internet	internet	NOUN
ajis02-327	465	4	facilitate	facilitate	VERB
ajis02-327	465	5	the	the	DET
ajis02-327	465	6	ability	ability	NOUN
ajis02-327	465	7	of	of	ADP
ajis02-327	465	8	producers	producer	NOUN
ajis02-327	465	9	and	and	CCONJ
ajis02-327	465	10	agents	agent	NOUN
ajis02-327	465	11	to	to	PART
ajis02-327	465	12	change	change	VERB
ajis02-327	465	13	their	their	PRON
ajis02-327	465	14	business	business	NOUN
ajis02-327	465	15	processes	process	NOUN
ajis02-327	465	16	(	(	PUNCT
ajis02-327	465	17	sales	sale	NOUN
ajis02-327	465	18	,	,	PUNCT
ajis02-327	465	19	marketing	marketing	NOUN
ajis02-327	465	20	,	,	PUNCT
ajis02-327	465	21	customer	customer	NOUN
ajis02-327	465	22	support	support	NOUN
ajis02-327	465	23	,	,	PUNCT
ajis02-327	465	24	other	other	ADJ
ajis02-327	465	25	)	)	PUNCT
ajis02-327	465	26	?	?	PUNCT
ajis02-327	466	1	9	9	X
ajis02-327	466	2	.	.	X
ajis02-327	466	3	does	do	AUX
ajis02-327	466	4	the	the	DET
ajis02-327	466	5	internet	internet	NOUN
ajis02-327	466	6	facilitate	facilitate	VERB
ajis02-327	466	7	the	the	DET
ajis02-327	466	8	ability	ability	NOUN
ajis02-327	466	9	of	of	ADP
ajis02-327	466	10	producers	producer	NOUN
ajis02-327	466	11	and	and	CCONJ
ajis02-327	466	12	agents	agent	NOUN
ajis02-327	466	13	to	to	PART
ajis02-327	466	14	change	change	VERB
ajis02-327	466	15	the	the	DET
ajis02-327	466	16	manner	manner	NOUN
ajis02-327	466	17	in	in	ADP
ajis02-327	466	18	which	which	PRON
ajis02-327	466	19	they	they	PRON
ajis02-327	466	20	use	use	VERB
ajis02-327	466	21	information	information	NOUN
ajis02-327	466	22	?	?	PUNCT
ajis02-327	467	1	•	•	NUM
ajis02-327	467	2	insurance	insurance	NOUN
ajis02-327	467	3	market	market	NOUN
ajis02-327	467	4	structure	structure	NOUN
ajis02-327	467	5	10	10	NUM
ajis02-327	467	6	.	.	PUNCT
ajis02-327	468	1	increase	increase	VERB
ajis02-327	468	2	or	or	CCONJ
ajis02-327	468	3	decrease	decrease	VERB
ajis02-327	468	4	in	in	ADP
ajis02-327	468	5	longer	long	ADJ
ajis02-327	468	6	term	term	NOUN
ajis02-327	468	7	relationships	relationship	NOUN
ajis02-327	468	8	with	with	ADP
ajis02-327	468	9	consumers	consumer	NOUN
ajis02-327	468	10	?	?	PUNCT
ajis02-327	469	1	11	11	NUM
ajis02-327	469	2	.	.	X
ajis02-327	470	1	increase	increase	VERB
ajis02-327	470	2	in	in	ADP
ajis02-327	470	3	value	value	NOUN
ajis02-327	470	4	added	add	VERB
ajis02-327	470	5	partnerships	partnership	NOUN
ajis02-327	470	6	?	?	PUNCT
ajis02-327	471	1	12	12	NUM
ajis02-327	471	2	.	.	PUNCT
ajis02-327	471	3	is	be	AUX
ajis02-327	471	4	there	there	PRON
ajis02-327	471	5	a	a	DET
ajis02-327	471	6	move	move	NOUN
ajis02-327	471	7	to	to	ADP
ajis02-327	471	8	markets	market	NOUN
ajis02-327	471	9	,	,	PUNCT
ajis02-327	471	10	the	the	DET
ajis02-327	471	11	middle	middle	ADJ
ajis02-327	471	12	,	,	PUNCT
ajis02-327	471	13	or	or	CCONJ
ajis02-327	471	14	other	other	ADJ
ajis02-327	471	15	movement	movement	NOUN
ajis02-327	471	16	in	in	ADP
ajis02-327	471	17	the	the	DET
ajis02-327	471	18	industry	industry	NOUN
ajis02-327	471	19	?	?	PUNCT
ajis02-327	472	1	•	•	NUM
ajis02-327	472	2	price	price	NOUN
ajis02-327	472	3	and	and	CCONJ
ajis02-327	472	4	product	product	NOUN
ajis02-327	472	5	information	information	NOUN
ajis02-327	472	6	43	43	NUM
ajis02-327	472	7	ajis	ajis	AUX
ajis02-327	472	8	special	special	ADJ
ajis02-327	472	9	edition	edition	NOUN
ajis02-327	472	10	-	-	PUNCT
ajis02-327	472	11	electronic	electronic	ADJ
ajis02-327	472	12	commerce	commerce	NOUN
ajis02-327	472	13	november	november	PROPN
ajis02-327	472	14	1998	1998	NUM
ajis02-327	472	15	13	13	NUM
ajis02-327	472	16	.	.	PUNCT
ajis02-327	473	1	does	do	AUX
ajis02-327	473	2	the	the	DET
ajis02-327	473	3	internet	internet	NOUN
ajis02-327	473	4	reduce	reduce	VERB
ajis02-327	473	5	buyer	buyer	NOUN
ajis02-327	473	6	search	search	NOUN
ajis02-327	473	7	costs	cost	NOUN
ajis02-327	473	8	and	and	CCONJ
ajis02-327	473	9	time	time	NOUN
ajis02-327	473	10	for	for	ADP
ajis02-327	473	11	insurance	insurance	NOUN
ajis02-327	473	12	products	product	NOUN
ajis02-327	473	13	and	and	CCONJ
ajis02-327	473	14	services	service	NOUN
ajis02-327	473	15	?	?	PUNCT
ajis02-327	474	1	14	14	NUM
ajis02-327	474	2	.	.	PUNCT
ajis02-327	475	1	does	do	AUX
ajis02-327	475	2	the	the	DET
ajis02-327	475	3	internet	internet	NOUN
ajis02-327	475	4	increase	increase	VERB
ajis02-327	475	5	the	the	DET
ajis02-327	475	6	ability	ability	NOUN
ajis02-327	475	7	of	of	ADP
ajis02-327	475	8	consumers	consumer	NOUN
ajis02-327	475	9	to	to	PART
ajis02-327	475	10	search	search	VERB
ajis02-327	475	11	for	for	ADP
ajis02-327	475	12	insurance	insurance	NOUN
ajis02-327	475	13	products	product	NOUN
ajis02-327	475	14	?	?	PUNCT
ajis02-327	476	1	•	•	NUM
ajis02-327	476	2	promotion	promotion	NOUN
ajis02-327	476	3	of	of	ADP
ajis02-327	476	4	price	price	NOUN
ajis02-327	476	5	competition	competition	NOUN
ajis02-327	476	6	15	15	NUM
ajis02-327	476	7	.	.	PUNCT
ajis02-327	477	1	does	do	VERB
ajis02-327	477	2	the	the	DET
ajis02-327	477	3	internet	internet	NOUN
ajis02-327	477	4	foster	foster	ADJ
ajis02-327	477	5	price	price	NOUN
ajis02-327	477	6	competition	competition	NOUN
ajis02-327	477	7	in	in	ADP
ajis02-327	477	8	insurance	insurance	NOUN
ajis02-327	477	9	products	product	NOUN
ajis02-327	477	10	and	and	CCONJ
ajis02-327	477	11	services	service	NOUN
ajis02-327	477	12	?	?	PUNCT
ajis02-327	478	1	•	•	NUM
ajis02-327	478	2	supplier	supplier	NOUN
ajis02-327	478	3	market	market	NOUN
ajis02-327	478	4	power	power	NOUN
ajis02-327	478	5	16	16	NUM
ajis02-327	478	6	.	.	PUNCT
ajis02-327	479	1	does	do	AUX
ajis02-327	479	2	the	the	DET
ajis02-327	479	3	internet	internet	NOUN
ajis02-327	479	4	have	have	VERB
ajis02-327	479	5	the	the	DET
ajis02-327	479	6	ability	ability	NOUN
ajis02-327	479	7	to	to	PART
ajis02-327	479	8	reduce	reduce	VERB
ajis02-327	479	9	the	the	DET
ajis02-327	479	10	market	market	NOUN
ajis02-327	479	11	power	power	NOUN
ajis02-327	479	12	of	of	ADP
ajis02-327	479	13	insurance	insurance	NOUN
ajis02-327	479	14	companies	company	NOUN
ajis02-327	479	15	?	?	PUNCT
ajis02-327	480	1	•	•	NUM
ajis02-327	480	2	network	network	NOUN
ajis02-327	480	3	externalities	externalitie	VERB
ajis02-327	480	4	17	17	NUM
ajis02-327	480	5	.	.	PUNCT
ajis02-327	481	1	do	do	VERB
ajis02-327	481	2	the	the	DET
ajis02-327	481	3	benefits	benefit	NOUN
ajis02-327	481	4	of	of	ADP
ajis02-327	481	5	participation	participation	NOUN
ajis02-327	481	6	on	on	ADP
ajis02-327	481	7	the	the	DET
ajis02-327	481	8	internet	internet	NOUN
ajis02-327	481	9	increases	increase	NOUN
ajis02-327	481	10	as	as	SCONJ
ajis02-327	481	11	more	more	ADJ
ajis02-327	481	12	members	member	NOUN
ajis02-327	481	13	join	join	VERB
ajis02-327	481	14	?	?	PUNCT
ajis02-327	482	1	18	18	NUM
ajis02-327	482	2	.	.	X
ajis02-327	482	3	are	be	AUX
ajis02-327	482	4	the	the	DET
ajis02-327	482	5	benefits	benefit	NOUN
ajis02-327	482	6	of	of	ADP
ajis02-327	482	7	participation	participation	NOUN
ajis02-327	482	8	on	on	ADP
ajis02-327	482	9	the	the	DET
ajis02-327	482	10	internet	internet	NOUN
ajis02-327	482	11	uncertain	uncertain	ADJ
ajis02-327	482	12	?	?	PUNCT
ajis02-327	483	1	19	19	NUM
ajis02-327	483	2	.	.	PUNCT
ajis02-327	483	3	is	be	AUX
ajis02-327	483	4	the	the	DET
ajis02-327	483	5	timetable	timetable	NOUN
ajis02-327	483	6	for	for	ADP
ajis02-327	483	7	change	change	NOUN
ajis02-327	483	8	in	in	ADP
ajis02-327	483	9	the	the	DET
ajis02-327	483	10	independent	independent	ADJ
ajis02-327	483	11	agency	agency	NOUN
ajis02-327	483	12	system	system	NOUN
ajis02-327	483	13	due	due	ADP
ajis02-327	483	14	to	to	ADP
ajis02-327	483	15	the	the	DET
ajis02-327	483	16	internet	internet	NOUN
ajis02-327	483	17	uncertain	uncertain	ADJ
ajis02-327	483	18	?	?	PUNCT
ajis02-327	484	1	•	•	NOUN
ajis02-327	484	2	switching	switch	VERB
ajis02-327	484	3	costs	cost	NOUN
ajis02-327	484	4	20	20	NUM
ajis02-327	484	5	.	.	PUNCT
ajis02-327	485	1	what	what	DET
ajis02-327	485	2	type	type	NOUN
ajis02-327	485	3	of	of	ADP
ajis02-327	485	4	switching	switch	VERB
ajis02-327	485	5	costs	cost	NOUN
ajis02-327	485	6	are	be	AUX
ajis02-327	485	7	faced	face	VERB
ajis02-327	485	8	by	by	ADP
ajis02-327	485	9	agents	agent	NOUN
ajis02-327	485	10	if	if	SCONJ
ajis02-327	485	11	they	they	PRON
ajis02-327	485	12	change	change	VERB
ajis02-327	485	13	their	their	PRON
ajis02-327	485	14	presence	presence	NOUN
ajis02-327	485	15	and	and	CCONJ
ajis02-327	485	16	participation	participation	NOUN
ajis02-327	485	17	on	on	ADP
ajis02-327	485	18	the	the	DET
ajis02-327	485	19	internet	internet	NOUN
ajis02-327	485	20	?	?	PUNCT
ajis02-327	486	1	•	•	NUM
ajis02-327	486	2	capital	capital	NOUN
ajis02-327	486	3	investment	investment	NOUN
ajis02-327	486	4	21	21	NUM
ajis02-327	486	5	.	.	PUNCT
ajis02-327	487	1	does	do	AUX
ajis02-327	487	2	the	the	DET
ajis02-327	487	3	internet	internet	NOUN
ajis02-327	487	4	require	require	VERB
ajis02-327	487	5	large	large	ADJ
ajis02-327	487	6	amounts	amount	NOUN
ajis02-327	487	7	of	of	ADP
ajis02-327	487	8	initial	initial	ADJ
ajis02-327	487	9	capital	capital	NOUN
ajis02-327	487	10	investment	investment	NOUN
ajis02-327	487	11	?	?	PUNCT
ajis02-327	488	1	22	22	NUM
ajis02-327	488	2	.	.	PUNCT
ajis02-327	489	1	does	do	VERB
ajis02-327	489	2	the	the	DET
ajis02-327	489	3	internet	internet	NOUN
ajis02-327	489	4	offer	offer	NOUN
ajis02-327	489	5	economies	economy	NOUN
ajis02-327	489	6	of	of	ADP
ajis02-327	489	7	scale	scale	NOUN
ajis02-327	489	8	and	and	CCONJ
ajis02-327	489	9	scope	scope	NOUN
ajis02-327	489	10	to	to	ADP
ajis02-327	489	11	insurance	insurance	NOUN
ajis02-327	489	12	agents	agent	NOUN
ajis02-327	489	13	?	?	PUNCT
ajis02-327	490	1	•	•	NUM
ajis02-327	490	2	the	the	DET
ajis02-327	490	3	nature	nature	NOUN
ajis02-327	490	4	of	of	ADP
ajis02-327	490	5	insurance	insurance	NOUN
ajis02-327	490	6	products	product	NOUN
ajis02-327	490	7	offered	offer	VERB
ajis02-327	490	8	by	by	ADP
ajis02-327	490	9	independent	independent	ADJ
ajis02-327	490	10	agents	agent	NOUN
ajis02-327	490	11	23	23	NUM
ajis02-327	490	12	.	.	PUNCT
ajis02-327	491	1	commodity	commodity	NOUN
ajis02-327	491	2	or	or	CCONJ
ajis02-327	491	3	differentiated	differentiated	ADJ
ajis02-327	491	4	market	market	NOUN
ajis02-327	491	5	?	?	PUNCT
ajis02-327	492	1	24	24	NUM
ajis02-327	492	2	.	.	PUNCT
ajis02-327	493	1	how	how	SCONJ
ajis02-327	493	2	does	do	AUX
ajis02-327	493	3	the	the	DET
ajis02-327	493	4	complexity	complexity	NOUN
ajis02-327	493	5	of	of	ADP
ajis02-327	493	6	insurance	insurance	NOUN
ajis02-327	493	7	products	product	NOUN
ajis02-327	493	8	influence	influence	VERB
ajis02-327	493	9	its	its	PRON
ajis02-327	493	10	presence	presence	NOUN
ajis02-327	493	11	on	on	ADP
ajis02-327	493	12	the	the	DET
ajis02-327	493	13	web	web	NOUN
ajis02-327	493	14	?	?	PROPN
ajis02-327	493	15	25	25	NUM
ajis02-327	493	16	.	.	PUNCT
ajis02-327	494	1	do	do	VERB
ajis02-327	494	2	specific	specific	ADJ
ajis02-327	494	3	types	type	NOUN
ajis02-327	494	4	of	of	ADP
ajis02-327	494	5	insurance	insurance	NOUN
ajis02-327	494	6	limit	limit	VERB
ajis02-327	494	7	the	the	DET
ajis02-327	494	8	ability	ability	NOUN
ajis02-327	494	9	of	of	ADP
ajis02-327	494	10	products	product	NOUN
ajis02-327	494	11	to	to	PART
ajis02-327	494	12	be	be	AUX
ajis02-327	494	13	generalised	generalise	VERB
ajis02-327	494	14	to	to	ADP
ajis02-327	494	15	a	a	DET
ajis02-327	494	16	wide	wide	ADJ
ajis02-327	494	17	market	market	NOUN
ajis02-327	494	18	?	?	PUNCT
ajis02-327	495	1	26	26	NUM
ajis02-327	495	2	.	.	PUNCT
ajis02-327	496	1	how	how	SCONJ
ajis02-327	496	2	will	will	AUX
ajis02-327	496	3	the	the	DET
ajis02-327	496	4	following	follow	VERB
ajis02-327	496	5	influence	influence	NOUN
ajis02-327	496	6	how	how	SCONJ
ajis02-327	496	7	insurance	insurance	NOUN
ajis02-327	496	8	products	product	NOUN
ajis02-327	496	9	are	be	AUX
ajis02-327	496	10	applied	apply	VERB
ajis02-327	496	11	to	to	ADP
ajis02-327	496	12	the	the	DET
ajis02-327	496	13	internet	internet	NOUN
ajis02-327	496	14	:	:	PUNCT
ajis02-327	496	15	(	(	PUNCT
ajis02-327	496	16	frequency	frequency	NOUN
ajis02-327	496	17	of	of	ADP
ajis02-327	496	18	the	the	DET
ajis02-327	496	19	transaction	transaction	NOUN
ajis02-327	496	20	,	,	PUNCT
ajis02-327	496	21	power	power	NOUN
ajis02-327	496	22	of	of	ADP
ajis02-327	496	23	buyers	buyer	NOUN
ajis02-327	496	24	or	or	CCONJ
ajis02-327	496	25	suppliers	supplier	NOUN
ajis02-327	496	26	,	,	PUNCT
ajis02-327	496	27	non	non	X
ajis02-327	496	28	contractible	contractible	ADJ
ajis02-327	496	29	investment	investment	NOUN
ajis02-327	496	30	issues	issue	NOUN
ajis02-327	496	31	)	)	PUNCT
ajis02-327	496	32	•	•	ADP
ajis02-327	496	33	prisoner	prisoner	NOUN
ajis02-327	496	34	's	's	PART
ajis02-327	496	35	dilemma	dilemma	NOUN
ajis02-327	496	36	?	?	PUNCT
ajis02-327	497	1	27	27	NUM
ajis02-327	497	2	.	.	PUNCT
ajis02-327	498	1	do	do	VERB
ajis02-327	498	2	agents	agent	NOUN
ajis02-327	498	3	as	as	ADP
ajis02-327	498	4	a	a	DET
ajis02-327	498	5	whole	whole	ADJ
ajis02-327	498	6	benefit	benefit	NOUN
ajis02-327	498	7	from	from	ADP
ajis02-327	498	8	participating	participate	VERB
ajis02-327	498	9	on	on	ADP
ajis02-327	498	10	the	the	DET
ajis02-327	498	11	internet	internet	NOUN
ajis02-327	498	12	?	?	PUNCT
ajis02-327	499	1	28	28	NUM
ajis02-327	499	2	.	.	PUNCT
ajis02-327	500	1	do	do	AUX
ajis02-327	500	2	individual	individual	ADJ
ajis02-327	500	3	agents	agent	NOUN
ajis02-327	500	4	benefit	benefit	VERB
ajis02-327	500	5	from	from	ADP
ajis02-327	500	6	participating	participate	VERB
ajis02-327	500	7	on	on	ADP
ajis02-327	500	8	the	the	DET
ajis02-327	500	9	internet	internet	NOUN
ajis02-327	500	10	?	?	PUNCT
ajis02-327	501	1	29	29	NUM
ajis02-327	501	2	.	.	PUNCT
ajis02-327	501	3	will	will	AUX
ajis02-327	501	4	it	it	PRON
ajis02-327	501	5	become	become	VERB
ajis02-327	501	6	a	a	DET
ajis02-327	501	7	strategic	strategic	ADJ
ajis02-327	501	8	necessity	necessity	NOUN
ajis02-327	501	9	to	to	PART
ajis02-327	501	10	participate	participate	VERB
ajis02-327	501	11	on	on	ADP
ajis02-327	501	12	the	the	DET
ajis02-327	501	13	internet	internet	NOUN
ajis02-327	501	14	?	?	PUNCT
ajis02-327	502	1	•	•	NUM
ajis02-327	502	2	intermediation	intermediation	NOUN
ajis02-327	502	3	30	30	NUM
ajis02-327	502	4	.	.	PUNCT
ajis02-327	503	1	are	be	AUX
ajis02-327	503	2	insurance	insurance	NOUN
ajis02-327	503	3	agents	agent	NOUN
ajis02-327	503	4	threatened	threaten	VERB
ajis02-327	503	5	by	by	ADP
ajis02-327	503	6	the	the	DET
ajis02-327	503	7	internet	internet	NOUN
ajis02-327	503	8	?	?	PUNCT
ajis02-327	504	1	why	why	SCONJ
ajis02-327	504	2	?	?	PUNCT
ajis02-327	505	1	31	31	NUM
ajis02-327	505	2	.	.	PUNCT
ajis02-327	505	3	is	be	AUX
ajis02-327	505	4	the	the	DET
ajis02-327	505	5	internet	internet	NOUN
ajis02-327	505	6	driven	drive	VERB
ajis02-327	505	7	by	by	ADP
ajis02-327	505	8	consumers	consumer	NOUN
ajis02-327	505	9	,	,	PUNCT
ajis02-327	505	10	agents	agent	NOUN
ajis02-327	505	11	,	,	PUNCT
ajis02-327	505	12	or	or	CCONJ
ajis02-327	505	13	companies	company	NOUN
ajis02-327	505	14	?	?	PUNCT
ajis02-327	506	1	•	•	NUM
ajis02-327	506	2	what	what	DET
ajis02-327	506	3	future	future	ADJ
ajis02-327	506	4	scenario	scenario	NOUN
ajis02-327	506	5	or	or	CCONJ
ajis02-327	506	6	outlook	outlook	NOUN
ajis02-327	506	7	do	do	AUX
ajis02-327	506	8	you	you	PRON
ajis02-327	506	9	see	see	VERB
ajis02-327	506	10	for	for	ADP
ajis02-327	506	11	insurance	insurance	NOUN
ajis02-327	506	12	and	and	CCONJ
ajis02-327	506	13	its	its	PRON
ajis02-327	506	14	distribution	distribution	NOUN
ajis02-327	506	15	over	over	ADP
ajis02-327	506	16	an	an	DET
ajis02-327	506	17	electronic	electronic	ADJ
ajis02-327	506	18	market	market	NOUN
ajis02-327	506	19	such	such	ADJ
ajis02-327	506	20	as	as	ADP
ajis02-327	506	21	the	the	DET
ajis02-327	506	22	internet	internet	NOUN
ajis02-327	506	23	?	?	PUNCT
ajis02-327	507	1	32	32	NUM
ajis02-327	507	2	.	.	PUNCT
ajis02-327	508	1	generational	generational	ADJ
ajis02-327	508	2	differences	difference	NOUN
ajis02-327	508	3	?	?	PUNCT
ajis02-327	509	1	33	33	NUM
ajis02-327	509	2	.	.	PUNCT
ajis02-327	510	1	long	long	ADJ
ajis02-327	510	2	term	term	NOUN
ajis02-327	510	3	marketing	marketing	NOUN
ajis02-327	510	4	and	and	CCONJ
ajis02-327	510	5	strategic	strategic	ADJ
ajis02-327	510	6	approach	approach	NOUN
ajis02-327	510	7	?	?	PUNCT
ajis02-327	511	1	44	44	NUM