id	sid	tid	token	lemma	pos
aps-79	1	1	australian	australian	ADJ
aps-79	1	2	population	population	NOUN
aps-79	1	3	studies	study	NOUN
aps-79	1	4	2021	2021	NUM
aps-79	1	5	|	|	ADV
aps-79	1	6	volume	volume	NOUN
aps-79	1	7	5	5	NUM
aps-79	1	8	|	|	ADV
aps-79	1	9	issue	issue	VERB
aps-79	1	10	1	1	NUM
aps-79	1	11	|	|	NOUN
aps-79	1	12	pages	page	VERB
aps-79	1	13	34	34	NUM
aps-79	1	14	-	-	SYM
aps-79	1	15	39	39	NUM
aps-79	1	16	©	©	PROPN
aps-79	1	17	botha	botha	PROPN
aps-79	1	18	&	&	CCONJ
aps-79	1	19	de	de	X
aps-79	1	20	new	new	ADJ
aps-79	1	21	2021	2021	NUM
aps-79	1	22	.	.	PUNCT
aps-79	2	1	published	publish	VERB
aps-79	2	2	under	under	ADP
aps-79	2	3	the	the	DET
aps-79	2	4	creative	creative	ADJ
aps-79	2	5	commons	common	NOUN
aps-79	2	6	attribution	attribution	NOUN
aps-79	2	7	-	-	PUNCT
aps-79	2	8	noncommercial	noncommercial	ADJ
aps-79	2	9	licence	licence	NOUN
aps-79	2	10	3.0	3.0	NUM
aps-79	2	11	australia	australia	NOUN
aps-79	2	12	(	(	PUNCT
aps-79	2	13	cc	cc	NOUN
aps-79	2	14	by	by	ADP
aps-79	2	15	-	-	PUNCT
aps-79	2	16	nc	nc	PROPN
aps-79	2	17	3.0	3.0	NUM
aps-79	2	18	au	au	NOUN
aps-79	2	19	)	)	PUNCT
aps-79	2	20	.	.	PUNCT
aps-79	3	1	journal	journal	PROPN
aps-79	3	2	website	website	NOUN
aps-79	3	3	:	:	PUNCT
aps-79	3	4	www.australianpopulationstudies.org	www.australianpopulationstudies.org	ADJ
aps-79	3	5	commentary	commentary	NOUN
aps-79	3	6	proposal	proposal	NOUN
aps-79	3	7	of	of	ADP
aps-79	3	8	a	a	DET
aps-79	3	9	short	short	ADJ
aps-79	3	10	form	form	NOUN
aps-79	3	11	self	self	NOUN
aps-79	3	12	-	-	PUNCT
aps-79	3	13	reported	report	VERB
aps-79	3	14	financial	financial	ADJ
aps-79	3	15	wellbeing	wellbee	VERB
aps-79	3	16	scale	scale	NOUN
aps-79	3	17	for	for	ADP
aps-79	3	18	inclusion	inclusion	NOUN
aps-79	3	19	in	in	ADP
aps-79	3	20	the	the	DET
aps-79	3	21	2026	2026	NUM
aps-79	3	22	census	census	NOUN
aps-79	3	23	ferdi	ferdi	PROPN
aps-79	3	24	botha	botha	PROPN
aps-79	3	25	*	*	PUNCT
aps-79	3	26	the	the	DET
aps-79	3	27	university	university	PROPN
aps-79	3	28	of	of	ADP
aps-79	3	29	melbourne	melbourne	PROPN
aps-79	3	30	john	john	PROPN
aps-79	3	31	p.	p.	PROPN
aps-79	3	32	de	de	PROPN
aps-79	4	1	new	new	PROPN
aps-79	4	2	the	the	DET
aps-79	4	3	university	university	NOUN
aps-79	4	4	of	of	ADP
aps-79	4	5	melbourne	melbourne	PROPN
aps-79	4	6	*	*	PUNCT
aps-79	4	7	corresponding	correspond	VERB
aps-79	4	8	author	author	NOUN
aps-79	4	9	.	.	PUNCT
aps-79	5	1	email	email	NOUN
aps-79	5	2	:	:	PUNCT
aps-79	6	1	ferdi.botha@unimelb.edu.au	ferdi.botha@unimelb.edu.au	PROPN
aps-79	6	2	.	.	PUNCT
aps-79	6	3	address	address	PROPN
aps-79	6	4	:	:	PUNCT
aps-79	6	5	melbourne	melbourne	PROPN
aps-79	6	6	institute	institute	PROPN
aps-79	6	7	:	:	PUNCT
aps-79	6	8	applied	apply	VERB
aps-79	6	9	economic	economic	ADJ
aps-79	6	10	&	&	CCONJ
aps-79	6	11	social	social	ADJ
aps-79	6	12	research	research	NOUN
aps-79	6	13	,	,	PUNCT
aps-79	6	14	faculty	faculty	NOUN
aps-79	6	15	of	of	ADP
aps-79	6	16	business	business	NOUN
aps-79	6	17	and	and	CCONJ
aps-79	6	18	economics	economic	NOUN
aps-79	6	19	,	,	PUNCT
aps-79	6	20	111	111	NUM
aps-79	6	21	barry	barry	PROPN
aps-79	6	22	street	street	PROPN
aps-79	6	23	,	,	PUNCT
aps-79	6	24	carlton	carlton	PROPN
aps-79	6	25	,	,	PUNCT
aps-79	6	26	victoria	victoria	PROPN
aps-79	6	27	3010	3010	NUM
aps-79	6	28	,	,	PUNCT
aps-79	6	29	australia	australia	PROPN
aps-79	6	30	.	.	PUNCT
aps-79	7	1	paper	paper	PROPN
aps-79	7	2	received	receive	VERB
aps-79	7	3	12	12	NUM
aps-79	7	4	february	february	NOUN
aps-79	7	5	2021	2021	NUM
aps-79	7	6	;	;	PUNCT
aps-79	7	7	accepted	accept	VERB
aps-79	7	8	19	19	NUM
aps-79	7	9	april	april	PROPN
aps-79	7	10	2021	2021	NUM
aps-79	7	11	;	;	PUNCT
aps-79	7	12	published	publish	VERB
aps-79	7	13	31	31	NUM
aps-79	7	14	may	may	PROPN
aps-79	7	15	2021	2021	NUM
aps-79	7	16	1	1	NUM
aps-79	7	17	.	.	PUNCT
aps-79	8	1	introduction	introduction	NOUN
aps-79	8	2	the	the	DET
aps-79	8	3	australian	australian	ADJ
aps-79	8	4	bureau	bureau	NOUN
aps-79	8	5	of	of	ADP
aps-79	8	6	statistics	statistic	NOUN
aps-79	8	7	(	(	PUNCT
aps-79	8	8	abs	ab	NOUN
aps-79	8	9	)	)	PUNCT
aps-79	8	10	regularly	regularly	ADV
aps-79	8	11	invites	invite	VERB
aps-79	8	12	suggestions	suggestion	NOUN
aps-79	8	13	for	for	ADP
aps-79	8	14	new	new	ADJ
aps-79	8	15	content	content	NOUN
aps-79	8	16	or	or	CCONJ
aps-79	8	17	themes	theme	NOUN
aps-79	8	18	for	for	ADP
aps-79	8	19	inclusion	inclusion	NOUN
aps-79	8	20	in	in	ADP
aps-79	8	21	the	the	DET
aps-79	8	22	next	next	ADJ
aps-79	8	23	national	national	ADJ
aps-79	8	24	census	census	NOUN
aps-79	8	25	of	of	ADP
aps-79	8	26	population	population	NOUN
aps-79	8	27	and	and	CCONJ
aps-79	8	28	housing	housing	NOUN
aps-79	8	29	.	.	PUNCT
aps-79	9	1	this	this	PRON
aps-79	9	2	provides	provide	VERB
aps-79	9	3	a	a	DET
aps-79	9	4	unique	unique	ADJ
aps-79	9	5	opportunity	opportunity	NOUN
aps-79	9	6	to	to	PART
aps-79	9	7	include	include	VERB
aps-79	9	8	current	current	ADJ
aps-79	9	9	and	and	CCONJ
aps-79	9	10	relevant	relevant	ADJ
aps-79	9	11	questions	question	NOUN
aps-79	9	12	,	,	PUNCT
aps-79	9	13	as	as	ADV
aps-79	9	14	well	well	ADV
aps-79	9	15	as	as	ADP
aps-79	9	16	to	to	PART
aps-79	9	17	keep	keep	VERB
aps-79	9	18	up	up	ADP
aps-79	9	19	to	to	ADP
aps-79	9	20	date	date	NOUN
aps-79	9	21	with	with	ADP
aps-79	9	22	changes	change	NOUN
aps-79	9	23	in	in	ADP
aps-79	9	24	the	the	DET
aps-79	9	25	needs	need	NOUN
aps-79	9	26	of	of	ADP
aps-79	9	27	society	society	NOUN
aps-79	9	28	.	.	PUNCT
aps-79	10	1	following	follow	VERB
aps-79	10	2	extensive	extensive	ADJ
aps-79	10	3	consultation	consultation	NOUN
aps-79	10	4	and	and	CCONJ
aps-79	10	5	reviewing	review	VERB
aps-79	10	6	more	more	ADJ
aps-79	10	7	than	than	ADP
aps-79	10	8	400	400	NUM
aps-79	10	9	submissions	submission	NOUN
aps-79	10	10	(	(	PUNCT
aps-79	10	11	abs	ab	NOUN
aps-79	10	12	2018	2018	NUM
aps-79	10	13	)	)	PUNCT
aps-79	10	14	,	,	PUNCT
aps-79	10	15	for	for	ADP
aps-79	10	16	the	the	DET
aps-79	10	17	2021	2021	NUM
aps-79	10	18	census	census	NOUN
aps-79	10	19	the	the	DET
aps-79	10	20	abs	ab	NOUN
aps-79	10	21	decided	decide	VERB
aps-79	10	22	to	to	PART
aps-79	10	23	include	include	VERB
aps-79	10	24	a	a	DET
aps-79	10	25	new	new	ADJ
aps-79	10	26	question	question	NOUN
aps-79	10	27	on	on	ADP
aps-79	10	28	long	long	ADJ
aps-79	10	29	-	-	PUNCT
aps-79	10	30	term	term	NOUN
aps-79	10	31	health	health	NOUN
aps-79	10	32	conditions	condition	NOUN
aps-79	10	33	and	and	CCONJ
aps-79	10	34	a	a	DET
aps-79	10	35	new	new	ADJ
aps-79	10	36	question	question	NOUN
aps-79	10	37	on	on	ADP
aps-79	10	38	service	service	NOUN
aps-79	10	39	in	in	ADP
aps-79	10	40	the	the	DET
aps-79	10	41	australian	australian	ADJ
aps-79	10	42	defence	defence	NOUN
aps-79	10	43	force	force	NOUN
aps-79	10	44	,	,	PUNCT
aps-79	10	45	removed	remove	VERB
aps-79	10	46	a	a	DET
aps-79	10	47	question	question	NOUN
aps-79	10	48	on	on	ADP
aps-79	10	49	internet	internet	NOUN
aps-79	10	50	usage	usage	NOUN
aps-79	10	51	,	,	PUNCT
aps-79	10	52	and	and	CCONJ
aps-79	10	53	made	make	VERB
aps-79	10	54	a	a	DET
aps-79	10	55	few	few	ADJ
aps-79	10	56	minor	minor	ADJ
aps-79	10	57	text	text	NOUN
aps-79	10	58	adjustments	adjustment	NOUN
aps-79	10	59	to	to	ADP
aps-79	10	60	existing	exist	VERB
aps-79	10	61	questions	question	NOUN
aps-79	10	62	(	(	PUNCT
aps-79	10	63	abs	ab	NOUN
aps-79	10	64	2020	2020	NUM
aps-79	10	65	)	)	PUNCT
aps-79	10	66	.	.	PUNCT
aps-79	11	1	with	with	ADP
aps-79	11	2	the	the	DET
aps-79	11	3	next	next	ADJ
aps-79	11	4	census	census	NOUN
aps-79	11	5	due	due	ADJ
aps-79	11	6	in	in	ADP
aps-79	11	7	2026	2026	NUM
aps-79	11	8	,	,	PUNCT
aps-79	11	9	there	there	PRON
aps-79	11	10	is	be	VERB
aps-79	11	11	again	again	ADV
aps-79	11	12	a	a	DET
aps-79	11	13	unique	unique	ADJ
aps-79	11	14	opportunity	opportunity	NOUN
aps-79	11	15	for	for	SCONJ
aps-79	11	16	new	new	ADJ
aps-79	11	17	content	content	NOUN
aps-79	11	18	to	to	PART
aps-79	11	19	be	be	AUX
aps-79	11	20	included	include	VERB
aps-79	11	21	,	,	PUNCT
aps-79	11	22	with	with	ADP
aps-79	11	23	invitations	invitation	NOUN
aps-79	11	24	from	from	ADP
aps-79	11	25	the	the	DET
aps-79	11	26	abs	ab	NOUN
aps-79	11	27	for	for	ADP
aps-79	11	28	submissions	submission	NOUN
aps-79	11	29	of	of	ADP
aps-79	11	30	additional	additional	ADJ
aps-79	11	31	material	material	NOUN
aps-79	11	32	.	.	PUNCT
aps-79	12	1	in	in	ADP
aps-79	12	2	this	this	DET
aps-79	12	3	paper	paper	NOUN
aps-79	12	4	,	,	PUNCT
aps-79	12	5	we	we	PRON
aps-79	12	6	argue	argue	VERB
aps-79	12	7	for	for	ADP
aps-79	12	8	the	the	DET
aps-79	12	9	inclusion	inclusion	NOUN
aps-79	12	10	of	of	ADP
aps-79	12	11	a	a	DET
aps-79	12	12	five	five	NUM
aps-79	12	13	-	-	PUNCT
aps-79	12	14	item	item	NOUN
aps-79	12	15	question	question	NOUN
aps-79	12	16	battery	battery	NOUN
aps-79	12	17	that	that	PRON
aps-79	12	18	together	together	ADV
aps-79	12	19	constitutes	constitute	VERB
aps-79	12	20	a	a	DET
aps-79	12	21	validated	validated	ADJ
aps-79	12	22	and	and	CCONJ
aps-79	12	23	straightforward	straightforward	ADJ
aps-79	12	24	measure	measure	NOUN
aps-79	12	25	of	of	ADP
aps-79	12	26	subjective	subjective	ADJ
aps-79	12	27	,	,	PUNCT
aps-79	12	28	or	or	CCONJ
aps-79	12	29	perceived	perceive	VERB
aps-79	12	30	,	,	PUNCT
aps-79	12	31	financial	financial	ADJ
aps-79	12	32	wellbeing	wellbeing	NOUN
aps-79	12	33	.	.	PUNCT
aps-79	13	1	2	2	X
aps-79	13	2	.	.	NUM
aps-79	13	3	proposed	propose	VERB
aps-79	13	4	census	census	NOUN
aps-79	13	5	questions	question	NOUN
aps-79	13	6	on	on	ADP
aps-79	13	7	financial	financial	ADJ
aps-79	13	8	wellbeing	wellbeing	NOUN
aps-79	13	9	based	base	VERB
aps-79	13	10	on	on	ADP
aps-79	13	11	a	a	DET
aps-79	13	12	review	review	NOUN
aps-79	13	13	of	of	ADP
aps-79	13	14	previous	previous	ADJ
aps-79	13	15	research	research	NOUN
aps-79	13	16	(	(	PUNCT
aps-79	13	17	cfpb	cfpb	NOUN
aps-79	13	18	2017	2017	NUM
aps-79	13	19	;	;	PUNCT
aps-79	13	20	muir	muir	PROPN
aps-79	13	21	et	et	PROPN
aps-79	13	22	al	al	PROPN
aps-79	13	23	.	.	PROPN
aps-79	13	24	2017	2017	NUM
aps-79	13	25	;	;	PUNCT
aps-79	13	26	netemeyer	netemeyer	PROPN
aps-79	13	27	et	et	PROPN
aps-79	13	28	al	al	PROPN
aps-79	13	29	.	.	PROPN
aps-79	13	30	2018	2018	NUM
aps-79	13	31	)	)	PUNCT
aps-79	13	32	,	,	PUNCT
aps-79	13	33	comerton	comerton	NOUN
aps-79	13	34	-	-	PUNCT
aps-79	13	35	forde	forde	PROPN
aps-79	13	36	et	et	PROPN
aps-79	13	37	al	al	PROPN
aps-79	13	38	.	.	PROPN
aps-79	14	1	(	(	PUNCT
aps-79	14	2	2018	2018	NUM
aps-79	14	3	p.	p.	NOUN
aps-79	14	4	6	6	NUM
aps-79	14	5	)	)	PUNCT
aps-79	14	6	defined	define	VERB
aps-79	14	7	financial	financial	ADJ
aps-79	14	8	wellbeing	wellbeing	NOUN
aps-79	14	9	as	as	ADP
aps-79	14	10	“	"	PUNCT
aps-79	14	11	the	the	DET
aps-79	14	12	extent	extent	NOUN
aps-79	14	13	to	to	PART
aps-79	14	14	which	which	PRON
aps-79	14	15	people	people	NOUN
aps-79	14	16	both	both	CCONJ
aps-79	14	17	perceive	perceive	VERB
aps-79	14	18	and	and	CCONJ
aps-79	14	19	have	have	VERB
aps-79	14	20	(	(	PUNCT
aps-79	14	21	i	i	NOUN
aps-79	14	22	)	)	PUNCT
aps-79	14	23	financial	financial	ADJ
aps-79	14	24	outcomes	outcome	NOUN
aps-79	14	25	in	in	ADP
aps-79	14	26	which	which	PRON
aps-79	14	27	they	they	PRON
aps-79	14	28	meet	meet	VERB
aps-79	14	29	their	their	PRON
aps-79	14	30	financial	financial	ADJ
aps-79	14	31	obligations	obligation	NOUN
aps-79	14	32	,	,	PUNCT
aps-79	14	33	(	(	PUNCT
aps-79	14	34	ii	ii	NOUN
aps-79	14	35	)	)	PUNCT
aps-79	14	36	financial	financial	ADJ
aps-79	14	37	freedom	freedom	NOUN
aps-79	14	38	to	to	PART
aps-79	14	39	make	make	VERB
aps-79	14	40	choices	choice	NOUN
aps-79	14	41	that	that	PRON
aps-79	14	42	allow	allow	VERB
aps-79	14	43	them	they	PRON
aps-79	14	44	to	to	PART
aps-79	14	45	enjoy	enjoy	VERB
aps-79	14	46	life	life	NOUN
aps-79	14	47	,	,	PUNCT
aps-79	14	48	(	(	PUNCT
aps-79	14	49	iii	iii	X
aps-79	14	50	)	)	PUNCT
aps-79	14	51	control	control	NOUN
aps-79	14	52	of	of	ADP
aps-79	14	53	their	their	PRON
aps-79	14	54	finances	finance	NOUN
aps-79	14	55	,	,	PUNCT
aps-79	14	56	and	and	CCONJ
aps-79	14	57	(	(	PUNCT
aps-79	14	58	iv	iv	X
aps-79	14	59	)	)	PUNCT
aps-79	14	60	financial	financial	ADJ
aps-79	14	61	security	security	NOUN
aps-79	14	62	–	–	PUNCT
aps-79	14	63	now	now	ADV
aps-79	14	64	,	,	PUNCT
aps-79	14	65	in	in	ADP
aps-79	14	66	the	the	DET
aps-79	14	67	future	future	NOUN
aps-79	14	68	,	,	PUNCT
aps-79	14	69	and	and	CCONJ
aps-79	14	70	under	under	ADP
aps-79	14	71	possible	possible	ADJ
aps-79	14	72	adverse	adverse	ADJ
aps-79	14	73	circumstances	circumstance	NOUN
aps-79	14	74	.	.	PUNCT
aps-79	14	75	”	"	PUNCT
aps-79	15	1	this	this	DET
aps-79	15	2	definition	definition	NOUN
aps-79	15	3	therefore	therefore	ADV
aps-79	15	4	captures	capture	VERB
aps-79	15	5	functional	functional	ADJ
aps-79	15	6	,	,	PUNCT
aps-79	15	7	situational	situational	NOUN
aps-79	15	8	,	,	PUNCT
aps-79	15	9	and	and	CCONJ
aps-79	15	10	temporal	temporal	ADJ
aps-79	15	11	dimensions	dimension	NOUN
aps-79	15	12	.	.	PUNCT
aps-79	16	1	consistent	consistent	ADJ
aps-79	16	2	with	with	ADP
aps-79	16	3	this	this	DET
aps-79	16	4	definition	definition	NOUN
aps-79	16	5	and	and	CCONJ
aps-79	16	6	in	in	ADP
aps-79	16	7	collaboration	collaboration	NOUN
aps-79	16	8	with	with	ADP
aps-79	16	9	commonwealth	commonwealth	PROPN
aps-79	16	10	bank	bank	PROPN
aps-79	16	11	of	of	ADP
aps-79	16	12	australia	australia	PROPN
aps-79	16	13	(	(	PUNCT
aps-79	16	14	cba	cba	PROPN
aps-79	16	15	)	)	PUNCT
aps-79	16	16	,	,	PUNCT
aps-79	16	17	comerton	comerton	NOUN
aps-79	16	18	-	-	PUNCT
aps-79	16	19	forde	forde	PROPN
aps-79	16	20	et	et	PROPN
aps-79	16	21	al	al	PROPN
aps-79	16	22	.	.	PROPN
aps-79	17	1	(	(	PUNCT
aps-79	17	2	2018	2018	NUM
aps-79	17	3	)	)	PUNCT
aps-79	17	4	developed	develop	VERB
aps-79	17	5	a	a	DET
aps-79	17	6	10	10	NUM
aps-79	17	7	-	-	PUNCT
aps-79	17	8	item	item	NOUN
aps-79	17	9	financial	financial	ADJ
aps-79	17	10	wellbeing	wellbee	VERB
aps-79	17	11	scale	scale	NOUN
aps-79	17	12	,	,	PUNCT
aps-79	17	13	termed	term	VERB
aps-79	17	14	the	the	DET
aps-79	17	15	cba	cba	PROPN
aps-79	17	16	-	-	PUNCT
aps-79	17	17	mi	mi	PROPN
aps-79	17	18	reported	report	VERB
aps-79	17	19	financial	financial	ADJ
aps-79	17	20	wellbeing	wellbee	VERB
aps-79	17	21	scale	scale	NOUN
aps-79	17	22	,	,	PUNCT
aps-79	17	23	for	for	ADP
aps-79	17	24	australian	australian	ADJ
aps-79	17	25	banking	banking	NOUN
aps-79	17	26	customers	customer	NOUN
aps-79	17	27	based	base	VERB
aps-79	17	28	on	on	ADP
aps-79	17	29	rigorous	rigorous	ADJ
aps-79	17	30	analyses	analysis	NOUN
aps-79	17	31	of	of	ADP
aps-79	17	32	http://www.australianpopulationstudies.org/	http://www.australianpopulationstudies.org/	NOUN
aps-79	17	33	mailto:ferdi.botha@unimelb.edu.au	mailto:ferdi.botha@unimelb.edu.au	PROPN
aps-79	17	34	australian	australian	ADJ
aps-79	17	35	population	population	NOUN
aps-79	17	36	studies	study	NOUN
aps-79	17	37	5	5	NUM
aps-79	17	38	(	(	PUNCT
aps-79	17	39	1	1	NUM
aps-79	17	40	)	)	PUNCT
aps-79	17	41	2021	2021	NUM
aps-79	17	42	botha	botha	PROPN
aps-79	17	43	&	&	CCONJ
aps-79	17	44	de	de	X
aps-79	17	45	new	new	ADJ
aps-79	17	46	35	35	NUM
aps-79	17	47	potential	potential	ADJ
aps-79	17	48	existing	exist	VERB
aps-79	17	49	items1	items1	NOUN
aps-79	17	50	.	.	PUNCT
aps-79	18	1	using	use	VERB
aps-79	18	2	these	these	DET
aps-79	18	3	ten	ten	NUM
aps-79	18	4	items	item	NOUN
aps-79	18	5	as	as	ADP
aps-79	18	6	a	a	DET
aps-79	18	7	reference	reference	NOUN
aps-79	18	8	point	point	NOUN
aps-79	18	9	,	,	PUNCT
aps-79	18	10	botha	botha	PROPN
aps-79	18	11	et	et	PROPN
aps-79	18	12	al	al	PROPN
aps-79	18	13	.	.	PROPN
aps-79	19	1	(	(	PUNCT
aps-79	19	2	2020	2020	NUM
aps-79	19	3	)	)	PUNCT
aps-79	19	4	subsequently	subsequently	ADV
aps-79	19	5	created	create	VERB
aps-79	19	6	an	an	DET
aps-79	19	7	abbreviated	abbreviate	VERB
aps-79	19	8	5	5	NUM
aps-79	19	9	-	-	PUNCT
aps-79	19	10	item	item	NOUN
aps-79	19	11	financial	financial	ADJ
aps-79	19	12	wellbeing	wellbee	VERB
aps-79	19	13	scale	scale	NOUN
aps-79	19	14	,	,	PUNCT
aps-79	19	15	termed	term	VERB
aps-79	19	16	the	the	DET
aps-79	19	17	cba	cba	PROPN
aps-79	19	18	-	-	PUNCT
aps-79	19	19	mi	mi	PROPN
aps-79	19	20	reported	report	VERB
aps-79	19	21	financial	financial	ADJ
aps-79	19	22	wellbeing	wellbee	VERB
aps-79	19	23	scale	scale	NOUN
aps-79	19	24	5	5	NUM
aps-79	19	25	(	(	PUNCT
aps-79	19	26	or	or	CCONJ
aps-79	19	27	r-5	r-5	NOUN
aps-79	19	28	in	in	ADP
aps-79	19	29	this	this	DET
aps-79	19	30	paper	paper	NOUN
aps-79	19	31	)	)	PUNCT
aps-79	19	32	.	.	PUNCT
aps-79	20	1	we	we	PRON
aps-79	20	2	propose	propose	VERB
aps-79	20	3	this	this	DET
aps-79	20	4	set	set	NOUN
aps-79	20	5	of	of	ADP
aps-79	20	6	five	five	NUM
aps-79	20	7	questions	question	NOUN
aps-79	20	8	,	,	PUNCT
aps-79	20	9	listed	list	VERB
aps-79	20	10	in	in	ADP
aps-79	20	11	table	table	NOUN
aps-79	20	12	1	1	NUM
aps-79	20	13	,	,	PUNCT
aps-79	20	14	for	for	ADP
aps-79	20	15	inclusion	inclusion	NOUN
aps-79	20	16	in	in	ADP
aps-79	20	17	the	the	DET
aps-79	20	18	2026	2026	NUM
aps-79	20	19	census	census	NOUN
aps-79	20	20	.	.	PUNCT
aps-79	21	1	each	each	DET
aps-79	21	2	item	item	NOUN
aps-79	21	3	is	be	AUX
aps-79	21	4	measured	measure	VERB
aps-79	21	5	on	on	ADP
aps-79	21	6	a	a	DET
aps-79	21	7	five	five	NUM
aps-79	21	8	-	-	PUNCT
aps-79	21	9	point	point	NOUN
aps-79	21	10	likert	likert	ADJ
aps-79	21	11	scale	scale	NOUN
aps-79	21	12	;	;	PUNCT
aps-79	21	13	together	together	ADV
aps-79	21	14	the	the	DET
aps-79	21	15	five	five	NUM
aps-79	21	16	items	item	NOUN
aps-79	21	17	make	make	VERB
aps-79	21	18	up	up	ADP
aps-79	21	19	the	the	DET
aps-79	21	20	r-5	r-5	NOUN
aps-79	21	21	scale	scale	NOUN
aps-79	21	22	.	.	PUNCT
aps-79	22	1	the	the	DET
aps-79	22	2	r-5	r-5	NOUN
aps-79	22	3	was	be	AUX
aps-79	22	4	designed	design	VERB
aps-79	22	5	to	to	PART
aps-79	22	6	align	align	VERB
aps-79	22	7	with	with	ADP
aps-79	22	8	comerton	comerton	NOUN
aps-79	22	9	-	-	PUNCT
aps-79	22	10	forde	forde	PROPN
aps-79	22	11	et	et	PROPN
aps-79	22	12	al	al	PROPN
aps-79	22	13	.	.	PROPN
aps-79	22	14	’s	’s	PART
aps-79	22	15	(	(	PUNCT
aps-79	22	16	2018	2018	NUM
aps-79	22	17	)	)	PUNCT
aps-79	22	18	definition	definition	NOUN
aps-79	22	19	and	and	CCONJ
aps-79	22	20	covers	cover	VERB
aps-79	22	21	immediate	immediate	ADJ
aps-79	22	22	or	or	CCONJ
aps-79	22	23	daily	daily	ADJ
aps-79	22	24	financial	financial	ADJ
aps-79	22	25	outcomes	outcome	NOUN
aps-79	22	26	(	(	PUNCT
aps-79	22	27	items	item	NOUN
aps-79	22	28	1	1	NUM
aps-79	22	29	,	,	PUNCT
aps-79	22	30	3	3	NUM
aps-79	22	31	,	,	PUNCT
aps-79	22	32	and	and	CCONJ
aps-79	22	33	4	4	NUM
aps-79	22	34	)	)	PUNCT
aps-79	22	35	,	,	PUNCT
aps-79	22	36	buffering	buffer	VERB
aps-79	22	37	financial	financial	ADJ
aps-79	22	38	wellbeing	wellbeing	NOUN
aps-79	22	39	during	during	ADP
aps-79	22	40	unexpected	unexpected	ADJ
aps-79	22	41	events	event	NOUN
aps-79	22	42	(	(	PUNCT
aps-79	22	43	item	item	NOUN
aps-79	22	44	2	2	NUM
aps-79	22	45	)	)	PUNCT
aps-79	22	46	,	,	PUNCT
aps-79	22	47	and	and	CCONJ
aps-79	22	48	reaching	reach	VERB
aps-79	22	49	long	long	ADJ
aps-79	22	50	-	-	PUNCT
aps-79	22	51	term	term	NOUN
aps-79	22	52	financial	financial	ADJ
aps-79	22	53	goals	goal	NOUN
aps-79	22	54	(	(	PUNCT
aps-79	22	55	item	item	NOUN
aps-79	22	56	5	5	NUM
aps-79	22	57	)	)	PUNCT
aps-79	22	58	.	.	PUNCT
aps-79	23	1	the	the	DET
aps-79	23	2	r-5	r-5	NOUN
aps-79	23	3	was	be	AUX
aps-79	23	4	rigorously	rigorously	ADV
aps-79	23	5	tested	test	VERB
aps-79	23	6	and	and	CCONJ
aps-79	23	7	validated	validate	VERB
aps-79	23	8	via	via	ADP
aps-79	23	9	a	a	DET
aps-79	23	10	range	range	NOUN
aps-79	23	11	of	of	ADP
aps-79	23	12	methods	method	NOUN
aps-79	23	13	,	,	PUNCT
aps-79	23	14	including	include	VERB
aps-79	23	15	factor	factor	NOUN
aps-79	23	16	analyses	analysis	NOUN
aps-79	23	17	and	and	CCONJ
aps-79	23	18	item	item	NOUN
aps-79	23	19	response	response	NOUN
aps-79	23	20	theory	theory	NOUN
aps-79	23	21	(	(	PUNCT
aps-79	23	22	irt)2	irt)2	PROPN
aps-79	23	23	.	.	PUNCT
aps-79	24	1	the	the	DET
aps-79	24	2	correlation	correlation	NOUN
aps-79	24	3	between	between	ADP
aps-79	24	4	the	the	DET
aps-79	24	5	r-5	r-5	NOUN
aps-79	24	6	and	and	CCONJ
aps-79	24	7	comerton	comerton	NOUN
aps-79	24	8	-	-	PUNCT
aps-79	24	9	forde	forde	PROPN
aps-79	24	10	et	et	PROPN
aps-79	24	11	al	al	PROPN
aps-79	24	12	.	.	PROPN
aps-79	24	13	’s	’s	PART
aps-79	24	14	(	(	PUNCT
aps-79	24	15	2018	2018	NUM
aps-79	24	16	)	)	PUNCT
aps-79	24	17	original	original	ADJ
aps-79	24	18	10	10	NUM
aps-79	24	19	-	-	PUNCT
aps-79	24	20	item	item	NOUN
aps-79	24	21	scale	scale	NOUN
aps-79	24	22	is	be	AUX
aps-79	24	23	95.2	95.2	NUM
aps-79	24	24	%	%	NOUN
aps-79	24	25	,	,	PUNCT
aps-79	24	26	and	and	CCONJ
aps-79	24	27	the	the	DET
aps-79	24	28	abbreviated	abbreviate	VERB
aps-79	24	29	r-5	r-5	NOUN
aps-79	24	30	scale	scale	NOUN
aps-79	24	31	also	also	ADV
aps-79	24	32	performs	perform	VERB
aps-79	24	33	very	very	ADV
aps-79	24	34	similarly	similarly	ADV
aps-79	24	35	to	to	ADP
aps-79	24	36	the	the	DET
aps-79	24	37	10	10	NUM
aps-79	24	38	-	-	PUNCT
aps-79	24	39	item	item	NOUN
aps-79	24	40	scale	scale	NOUN
aps-79	24	41	in	in	ADP
aps-79	24	42	terms	term	NOUN
aps-79	24	43	of	of	ADP
aps-79	24	44	its	its	PRON
aps-79	24	45	overall	overall	ADJ
aps-79	24	46	distribution	distribution	NOUN
aps-79	24	47	and	and	CCONJ
aps-79	24	48	relationship	relationship	NOUN
aps-79	24	49	with	with	ADP
aps-79	24	50	a	a	DET
aps-79	24	51	range	range	NOUN
aps-79	24	52	of	of	ADP
aps-79	24	53	observed	observed	ADJ
aps-79	24	54	variables	variable	NOUN
aps-79	24	55	(	(	PUNCT
aps-79	24	56	botha	botha	PROPN
aps-79	24	57	et	et	PROPN
aps-79	24	58	al	al	PROPN
aps-79	24	59	.	.	PROPN
aps-79	24	60	2020	2020	NUM
aps-79	24	61	)	)	PUNCT
aps-79	24	62	.	.	PUNCT
aps-79	25	1	the	the	DET
aps-79	25	2	correlation	correlation	NOUN
aps-79	25	3	between	between	ADP
aps-79	25	4	the	the	DET
aps-79	25	5	summation	summation	NOUN
aps-79	25	6	r-5	r-5	NOUN
aps-79	25	7	scale	scale	NOUN
aps-79	25	8	and	and	CCONJ
aps-79	25	9	the	the	DET
aps-79	25	10	predicted	predict	VERB
aps-79	25	11	latent	latent	NOUN
aps-79	25	12	r-5	r-5	NOUN
aps-79	25	13	scale	scale	NOUN
aps-79	25	14	from	from	ADP
aps-79	25	15	irt	irt	PROPN
aps-79	25	16	analyses	analysis	NOUN
aps-79	25	17	was	be	AUX
aps-79	25	18	99.2	99.2	NUM
aps-79	25	19	%	%	NOUN
aps-79	25	20	.	.	PUNCT
aps-79	26	1	the	the	DET
aps-79	26	2	r-5	r-5	NOUN
aps-79	26	3	scale	scale	PROPN
aps-79	26	4	’s	’s	PART
aps-79	26	5	reliability	reliability	NOUN
aps-79	26	6	is	be	AUX
aps-79	26	7	excellent	excellent	ADJ
aps-79	26	8	,	,	PUNCT
aps-79	26	9	moreover	moreover	ADV
aps-79	26	10	,	,	PUNCT
aps-79	26	11	with	with	ADP
aps-79	26	12	the	the	DET
aps-79	26	13	cronbach	cronbach	ADJ
aps-79	26	14	alpha	alpha	ADJ
aps-79	26	15	coefficient	coefficient	NOUN
aps-79	26	16	of	of	ADP
aps-79	26	17	internal	internal	ADJ
aps-79	26	18	consistency	consistency	NOUN
aps-79	26	19	(	(	PUNCT
aps-79	26	20	reliability	reliability	NOUN
aps-79	26	21	)	)	PUNCT
aps-79	26	22	being	be	AUX
aps-79	26	23	0.86	0.86	NUM
aps-79	26	24	(	(	PUNCT
aps-79	26	25	botha	botha	PROPN
aps-79	26	26	et	et	PROPN
aps-79	26	27	al	al	PROPN
aps-79	26	28	.	.	PROPN
aps-79	26	29	2020	2020	NUM
aps-79	26	30	)	)	PUNCT
aps-79	26	31	and	and	CCONJ
aps-79	26	32	0.91	0.91	NUM
aps-79	26	33	(	(	PUNCT
aps-79	26	34	botha	botha	PROPN
aps-79	26	35	et	et	PROPN
aps-79	26	36	al	al	PROPN
aps-79	26	37	.	.	PROPN
aps-79	26	38	2021	2021	NUM
aps-79	26	39	)	)	PUNCT
aps-79	26	40	reported	report	VERB
aps-79	26	41	in	in	ADP
aps-79	26	42	previous	previous	ADJ
aps-79	26	43	work	work	NOUN
aps-79	26	44	.	.	PUNCT
aps-79	27	1	importantly	importantly	ADV
aps-79	27	2	,	,	PUNCT
aps-79	27	3	in	in	ADP
aps-79	27	4	addition	addition	NOUN
aps-79	27	5	to	to	ADP
aps-79	27	6	having	having	AUX
aps-79	27	7	been	be	AUX
aps-79	27	8	rigorously	rigorously	ADV
aps-79	27	9	tested	test	VERB
aps-79	27	10	and	and	CCONJ
aps-79	27	11	validated	validated	ADJ
aps-79	27	12	(	(	PUNCT
aps-79	27	13	botha	botha	PROPN
aps-79	27	14	et	et	PROPN
aps-79	27	15	al	al	PROPN
aps-79	27	16	.	.	PROPN
aps-79	27	17	2020	2020	NUM
aps-79	27	18	)	)	PUNCT
aps-79	27	19	,	,	PUNCT
aps-79	27	20	the	the	DET
aps-79	27	21	r-5	r-5	NOUN
aps-79	27	22	has	have	AUX
aps-79	27	23	also	also	ADV
aps-79	27	24	been	be	AUX
aps-79	27	25	applied	apply	VERB
aps-79	27	26	more	more	ADV
aps-79	27	27	broadly	broadly	ADV
aps-79	27	28	using	use	VERB
aps-79	27	29	australian	australian	ADJ
aps-79	27	30	survey	survey	NOUN
aps-79	27	31	data	datum	NOUN
aps-79	27	32	that	that	PRON
aps-79	27	33	studies	study	VERB
aps-79	27	34	the	the	DET
aps-79	27	35	impact	impact	NOUN
aps-79	27	36	of	of	ADP
aps-79	27	37	the	the	DET
aps-79	27	38	covid-19	covid-19	PROPN
aps-79	27	39	pandemic	pandemic	NOUN
aps-79	27	40	on	on	ADP
aps-79	27	41	australians	australian	NOUN
aps-79	27	42	’	'	PUNCT
aps-79	27	43	financial	financial	ADJ
aps-79	27	44	wellbeing	wellbee	VERB
aps-79	27	45	(	(	PUNCT
aps-79	27	46	botha	botha	PROPN
aps-79	27	47	et	et	PROPN
aps-79	27	48	al	al	PROPN
aps-79	27	49	.	.	PROPN
aps-79	27	50	2021	2021	NUM
aps-79	27	51	)	)	PUNCT
aps-79	27	52	.	.	PUNCT
aps-79	28	1	publication	publication	NOUN
aps-79	28	2	of	of	ADP
aps-79	28	3	the	the	DET
aps-79	28	4	latter	latter	ADJ
aps-79	28	5	study	study	NOUN
aps-79	28	6	in	in	ADP
aps-79	28	7	the	the	DET
aps-79	28	8	peer	peer	NOUN
aps-79	28	9	-	-	PUNCT
aps-79	28	10	reviewed	review	VERB
aps-79	28	11	academic	academic	ADJ
aps-79	28	12	journal	journal	PROPN
aps-79	28	13	journal	journal	PROPN
aps-79	28	14	of	of	ADP
aps-79	28	15	population	population	NOUN
aps-79	28	16	economics	economic	NOUN
aps-79	28	17	further	far	ADV
aps-79	28	18	attests	attest	VERB
aps-79	28	19	to	to	ADP
aps-79	28	20	the	the	DET
aps-79	28	21	academic	academic	ADJ
aps-79	28	22	community	community	NOUN
aps-79	28	23	’s	’s	PART
aps-79	28	24	increasing	increase	VERB
aps-79	28	25	acceptance	acceptance	NOUN
aps-79	28	26	of	of	ADP
aps-79	28	27	the	the	DET
aps-79	28	28	r-5	r-5	NOUN
aps-79	28	29	measure	measure	NOUN
aps-79	28	30	as	as	ADP
aps-79	28	31	a	a	DET
aps-79	28	32	valid	valid	ADJ
aps-79	28	33	and	and	CCONJ
aps-79	28	34	reliable	reliable	ADJ
aps-79	28	35	measure	measure	NOUN
aps-79	28	36	of	of	ADP
aps-79	28	37	self	self	NOUN
aps-79	28	38	-	-	PUNCT
aps-79	28	39	reported	report	VERB
aps-79	28	40	financial	financial	ADJ
aps-79	28	41	wellbeing	wellbeing	NOUN
aps-79	28	42	.	.	PUNCT
aps-79	29	1	the	the	DET
aps-79	29	2	r-5	r-5	NOUN
aps-79	29	3	items	item	NOUN
aps-79	29	4	have	have	AUX
aps-79	29	5	also	also	ADV
aps-79	29	6	been	be	AUX
aps-79	29	7	included	include	VERB
aps-79	29	8	in	in	ADP
aps-79	29	9	the	the	DET
aps-79	29	10	2020	2020	NUM
aps-79	29	11	wave	wave	NOUN
aps-79	29	12	of	of	ADP
aps-79	29	13	the	the	DET
aps-79	29	14	household	household	NOUN
aps-79	29	15	,	,	PUNCT
aps-79	29	16	income	income	NOUN
aps-79	29	17	and	and	CCONJ
aps-79	29	18	labour	labour	NOUN
aps-79	29	19	dynamics	dynamic	NOUN
aps-79	29	20	in	in	ADP
aps-79	29	21	australia	australia	PROPN
aps-79	29	22	(	(	PUNCT
aps-79	29	23	hilda	hilda	PROPN
aps-79	29	24	)	)	PUNCT
aps-79	29	25	survey	survey	NOUN
aps-79	29	26	to	to	PART
aps-79	29	27	be	be	AUX
aps-79	29	28	released	release	VERB
aps-79	29	29	in	in	ADP
aps-79	29	30	the	the	DET
aps-79	29	31	second	second	ADJ
aps-79	29	32	half	half	NOUN
aps-79	29	33	of	of	ADP
aps-79	29	34	2021	2021	NUM
aps-79	29	35	.	.	PUNCT
aps-79	30	1	one	one	NUM
aps-79	30	2	advantage	advantage	NOUN
aps-79	30	3	here	here	ADV
aps-79	30	4	is	be	AUX
aps-79	30	5	that	that	SCONJ
aps-79	30	6	the	the	DET
aps-79	30	7	r-5	r-5	NOUN
aps-79	30	8	measure	measure	NOUN
aps-79	30	9	can	can	AUX
aps-79	30	10	be	be	AUX
aps-79	30	11	combined	combine	VERB
aps-79	30	12	with	with	ADP
aps-79	30	13	the	the	DET
aps-79	30	14	rich	rich	ADJ
aps-79	30	15	questions	question	NOUN
aps-79	30	16	of	of	ADP
aps-79	30	17	the	the	DET
aps-79	30	18	20	20	NUM
aps-79	30	19	-	-	PUNCT
aps-79	30	20	year	year	NOUN
aps-79	30	21	running	run	VERB
aps-79	30	22	household	household	NOUN
aps-79	30	23	panel	panel	NOUN
aps-79	30	24	.	.	PUNCT
aps-79	31	1	unfortunately	unfortunately	ADV
aps-79	31	2	,	,	PUNCT
aps-79	31	3	the	the	DET
aps-79	31	4	sample	sample	NOUN
aps-79	31	5	size	size	NOUN
aps-79	31	6	of	of	ADP
aps-79	31	7	the	the	DET
aps-79	31	8	hilda	hilda	PROPN
aps-79	31	9	panel	panel	NOUN
aps-79	31	10	will	will	AUX
aps-79	31	11	not	not	PART
aps-79	31	12	allow	allow	VERB
aps-79	31	13	for	for	ADP
aps-79	31	14	certain	certain	ADJ
aps-79	31	15	important	important	ADJ
aps-79	31	16	types	type	NOUN
aps-79	31	17	of	of	ADP
aps-79	31	18	analyses	analysis	NOUN
aps-79	31	19	such	such	ADJ
aps-79	31	20	as	as	ADP
aps-79	31	21	detailed	detailed	ADJ
aps-79	31	22	regional	regional	ADJ
aps-79	31	23	analyses	analysis	NOUN
aps-79	31	24	,	,	PUNCT
aps-79	31	25	or	or	CCONJ
aps-79	31	26	occupation	occupation	NOUN
aps-79	31	27	/	/	SYM
aps-79	31	28	industry	industry	NOUN
aps-79	31	29	-	-	PUNCT
aps-79	31	30	specific	specific	ADJ
aps-79	31	31	analyses	analysis	NOUN
aps-79	31	32	;	;	PUNCT
aps-79	31	33	that	that	PRON
aps-79	31	34	can	can	AUX
aps-79	31	35	only	only	ADV
aps-79	31	36	be	be	AUX
aps-79	31	37	done	do	VERB
aps-79	31	38	with	with	ADP
aps-79	31	39	the	the	DET
aps-79	31	40	census	census	NOUN
aps-79	31	41	.	.	PUNCT
aps-79	32	1	the	the	DET
aps-79	32	2	r-5	r-5	NOUN
aps-79	32	3	items	item	NOUN
aps-79	32	4	are	be	AUX
aps-79	32	5	easy	easy	ADJ
aps-79	32	6	to	to	PART
aps-79	32	7	understand	understand	VERB
aps-79	32	8	,	,	PUNCT
aps-79	32	9	do	do	AUX
aps-79	32	10	not	not	PART
aps-79	32	11	impose	impose	VERB
aps-79	32	12	a	a	DET
aps-79	32	13	heavy	heavy	ADJ
aps-79	32	14	cognitive	cognitive	ADJ
aps-79	32	15	load	load	NOUN
aps-79	32	16	on	on	ADP
aps-79	32	17	respondents	respondent	NOUN
aps-79	32	18	,	,	PUNCT
aps-79	32	19	and	and	CCONJ
aps-79	32	20	can	can	AUX
aps-79	32	21	be	be	AUX
aps-79	32	22	answered	answer	VERB
aps-79	32	23	quickly	quickly	ADV
aps-79	32	24	.	.	PUNCT
aps-79	33	1	the	the	DET
aps-79	33	2	r-5	r-5	NOUN
aps-79	33	3	scale	scale	NOUN
aps-79	33	4	is	be	AUX
aps-79	33	5	also	also	ADV
aps-79	33	6	very	very	ADV
aps-79	33	7	simple	simple	ADJ
aps-79	33	8	for	for	SCONJ
aps-79	33	9	researchers	researcher	NOUN
aps-79	33	10	to	to	PART
aps-79	33	11	construct	construct	VERB
aps-79	33	12	:	:	PUNCT
aps-79	33	13	summing	sum	VERB
aps-79	33	14	the	the	DET
aps-79	33	15	responses	response	NOUN
aps-79	33	16	to	to	ADP
aps-79	33	17	each	each	PRON
aps-79	33	18	of	of	ADP
aps-79	33	19	the	the	DET
aps-79	33	20	items	item	NOUN
aps-79	33	21	and	and	CCONJ
aps-79	33	22	multiplying	multiply	VERB
aps-79	33	23	the	the	DET
aps-79	33	24	sum	sum	NOUN
aps-79	33	25	by	by	ADP
aps-79	33	26	five	five	NUM
aps-79	33	27	produces	produce	VERB
aps-79	33	28	the	the	DET
aps-79	33	29	r-5	r-5	NOUN
aps-79	33	30	scale	scale	NOUN
aps-79	33	31	that	that	PRON
aps-79	33	32	ranges	range	VERB
aps-79	33	33	1	1	NUM
aps-79	33	34	comerton	comerton	NOUN
aps-79	33	35	-	-	PUNCT
aps-79	33	36	forde	forde	NOUN
aps-79	33	37	et	et	PROPN
aps-79	33	38	al	al	PROPN
aps-79	33	39	.	.	PROPN
aps-79	34	1	(	(	PUNCT
aps-79	34	2	2018	2018	NUM
aps-79	34	3	)	)	PUNCT
aps-79	34	4	also	also	ADV
aps-79	34	5	developed	develop	VERB
aps-79	34	6	the	the	DET
aps-79	34	7	cba	cba	PROPN
aps-79	34	8	-	-	PUNCT
aps-79	34	9	mi	mi	PROPN
aps-79	34	10	observed	observe	VERB
aps-79	34	11	financial	financial	ADJ
aps-79	34	12	wellbeing	wellbee	VERB
aps-79	34	13	scale	scale	NOUN
aps-79	34	14	(	(	PUNCT
aps-79	34	15	version	version	NOUN
aps-79	34	16	1	1	NUM
aps-79	34	17	)	)	PUNCT
aps-79	34	18	and	and	CCONJ
aps-79	34	19	haisken	haisken	VERB
aps-79	34	20	-	-	PUNCT
aps-79	34	21	denew	denew	PROPN
aps-79	34	22	et	et	PROPN
aps-79	34	23	al	al	PROPN
aps-79	34	24	.	.	PROPN
aps-79	35	1	(	(	PUNCT
aps-79	35	2	2019	2019	NUM
aps-79	35	3	)	)	PUNCT
aps-79	35	4	developed	develop	VERB
aps-79	35	5	an	an	DET
aps-79	35	6	adapted	adapted	ADJ
aps-79	35	7	version	version	NOUN
aps-79	35	8	termed	term	VERB
aps-79	35	9	the	the	DET
aps-79	35	10	cba	cba	PROPN
aps-79	35	11	-	-	PUNCT
aps-79	35	12	mi	mi	PROPN
aps-79	35	13	observed	observe	VERB
aps-79	35	14	financial	financial	ADJ
aps-79	35	15	wellbeing	wellbee	VERB
aps-79	35	16	scale	scale	NOUN
aps-79	35	17	(	(	PUNCT
aps-79	35	18	version	version	NOUN
aps-79	35	19	2	2	NUM
aps-79	35	20	)	)	PUNCT
aps-79	35	21	,	,	PUNCT
aps-79	35	22	which	which	PRON
aps-79	35	23	consist	consist	VERB
aps-79	35	24	of	of	ADP
aps-79	35	25	five	five	NUM
aps-79	35	26	items	item	NOUN
aps-79	35	27	derived	derive	VERB
aps-79	35	28	from	from	ADP
aps-79	35	29	bank	bank	NOUN
aps-79	35	30	customers	customer	NOUN
aps-79	35	31	’	’	PART
aps-79	35	32	actual	actual	ADJ
aps-79	35	33	bank	bank	NOUN
aps-79	35	34	records	record	NOUN
aps-79	35	35	.	.	PUNCT
aps-79	36	1	the	the	DET
aps-79	36	2	observed	observe	VERB
aps-79	36	3	scales	scale	NOUN
aps-79	36	4	were	be	AUX
aps-79	36	5	also	also	ADV
aps-79	36	6	subsequently	subsequently	ADV
aps-79	36	7	used	use	VERB
aps-79	36	8	in	in	ADP
aps-79	36	9	conjunction	conjunction	NOUN
aps-79	36	10	with	with	ADP
aps-79	36	11	the	the	DET
aps-79	36	12	10	10	NUM
aps-79	36	13	-	-	PUNCT
aps-79	36	14	item	item	NOUN
aps-79	36	15	reported	report	VERB
aps-79	36	16	scale	scale	NOUN
aps-79	36	17	to	to	PART
aps-79	36	18	understand	understand	VERB
aps-79	36	19	better	well	ADJ
aps-79	36	20	australians	australian	NOUN
aps-79	36	21	’	'	PUNCT
aps-79	36	22	financial	financial	ADJ
aps-79	36	23	wellbeing	wellbee	VERB
aps-79	36	24	(	(	PUNCT
aps-79	36	25	haisken	haisken	VERB
aps-79	36	26	-	-	PUNCT
aps-79	36	27	denew	denew	NOUN
aps-79	36	28	et	et	PROPN
aps-79	36	29	al	al	PROPN
aps-79	36	30	.	.	PROPN
aps-79	36	31	2018	2018	NUM
aps-79	36	32	;	;	PUNCT
aps-79	36	33	comerton	comerton	NOUN
aps-79	36	34	-	-	PUNCT
aps-79	36	35	forde	forde	PROPN
aps-79	36	36	et	et	PROPN
aps-79	36	37	al	al	PROPN
aps-79	36	38	.	.	PROPN
aps-79	36	39	2020	2020	NUM
aps-79	36	40	)	)	PUNCT
aps-79	36	41	.	.	PUNCT
aps-79	37	1	in	in	ADP
aps-79	37	2	botha	botha	PROPN
aps-79	37	3	et	et	PROPN
aps-79	37	4	al	al	PROPN
aps-79	37	5	.	.	PROPN
aps-79	37	6	(	(	PUNCT
aps-79	37	7	2020	2020	NUM
aps-79	37	8	)	)	PUNCT
aps-79	37	9	,	,	PUNCT
aps-79	37	10	the	the	DET
aps-79	37	11	r-5	r-5	NOUN
aps-79	37	12	scale	scale	NOUN
aps-79	37	13	was	be	AUX
aps-79	37	14	compared	compare	VERB
aps-79	37	15	to	to	ADP
aps-79	37	16	the	the	DET
aps-79	37	17	observed	observe	VERB
aps-79	37	18	scale	scale	NOUN
aps-79	37	19	(	(	PUNCT
aps-79	37	20	version	version	NOUN
aps-79	37	21	2	2	NUM
aps-79	37	22	)	)	PUNCT
aps-79	37	23	,	,	PUNCT
aps-79	37	24	with	with	ADP
aps-79	37	25	a	a	DET
aps-79	37	26	correlation	correlation	NOUN
aps-79	37	27	of	of	ADP
aps-79	37	28	42.9	42.9	NUM
aps-79	37	29	%	%	NOUN
aps-79	37	30	.	.	PUNCT
aps-79	38	1	this	this	PRON
aps-79	38	2	suggests	suggest	VERB
aps-79	38	3	that	that	SCONJ
aps-79	38	4	higher	high	ADJ
aps-79	38	5	self	self	NOUN
aps-79	38	6	-	-	PUNCT
aps-79	38	7	reported	report	VERB
aps-79	38	8	financial	financial	ADJ
aps-79	38	9	wellbeing	wellbeing	NOUN
aps-79	38	10	tends	tend	VERB
aps-79	38	11	to	to	PART
aps-79	38	12	be	be	AUX
aps-79	38	13	associated	associate	VERB
aps-79	38	14	with	with	ADP
aps-79	38	15	higher	high	ADJ
aps-79	38	16	observed	observed	ADJ
aps-79	38	17	financial	financial	ADJ
aps-79	38	18	wellbeing	wellbeing	NOUN
aps-79	38	19	,	,	PUNCT
aps-79	38	20	based	base	VERB
aps-79	38	21	on	on	ADP
aps-79	38	22	actual	actual	ADJ
aps-79	38	23	bank	bank	NOUN
aps-79	38	24	records	record	NOUN
aps-79	38	25	.	.	PUNCT
aps-79	39	1	however	however	ADV
aps-79	39	2	,	,	PUNCT
aps-79	39	3	self	self	NOUN
aps-79	39	4	-	-	PUNCT
aps-79	39	5	reported	report	VERB
aps-79	39	6	and	and	CCONJ
aps-79	39	7	observed	observe	VERB
aps-79	39	8	financial	financial	ADJ
aps-79	39	9	wellbeing	wellbeing	NOUN
aps-79	39	10	are	be	AUX
aps-79	39	11	themselves	themselves	PRON
aps-79	39	12	also	also	ADV
aps-79	39	13	distinct	distinct	ADJ
aps-79	39	14	concepts	concept	NOUN
aps-79	39	15	and	and	CCONJ
aps-79	39	16	distinct	distinct	ADJ
aps-79	39	17	components	component	NOUN
aps-79	39	18	of	of	ADP
aps-79	39	19	overall	overall	ADJ
aps-79	39	20	financial	financial	ADJ
aps-79	39	21	wellbeing	wellbeing	NOUN
aps-79	39	22	.	.	PUNCT
aps-79	40	1	2	2	NUM
aps-79	40	2	for	for	ADP
aps-79	40	3	more	more	ADJ
aps-79	40	4	information	information	NOUN
aps-79	40	5	about	about	ADP
aps-79	40	6	the	the	DET
aps-79	40	7	validation	validation	NOUN
aps-79	40	8	procedures	procedure	NOUN
aps-79	40	9	and	and	CCONJ
aps-79	40	10	statistical	statistical	ADJ
aps-79	40	11	properties	property	NOUN
aps-79	40	12	of	of	ADP
aps-79	40	13	the	the	DET
aps-79	40	14	r-5	r-5	NOUN
aps-79	40	15	scale	scale	NOUN
aps-79	40	16	,	,	PUNCT
aps-79	40	17	see	see	VERB
aps-79	40	18	botha	botha	PROPN
aps-79	40	19	et	et	PROPN
aps-79	40	20	al	al	PROPN
aps-79	40	21	.	.	PROPN
aps-79	41	1	(	(	PUNCT
aps-79	41	2	2020	2020	NUM
aps-79	41	3	)	)	PUNCT
aps-79	41	4	.	.	PUNCT
aps-79	42	1	36	36	NUM
aps-79	42	2	botha	botha	PROPN
aps-79	42	3	&	&	CCONJ
aps-79	42	4	de	de	PROPN
aps-79	42	5	new	new	ADJ
aps-79	42	6	australian	australian	ADJ
aps-79	42	7	population	population	NOUN
aps-79	42	8	studies	study	NOUN
aps-79	42	9	5	5	NUM
aps-79	42	10	(	(	PUNCT
aps-79	42	11	1	1	NUM
aps-79	42	12	)	)	PUNCT
aps-79	42	13	2021	2021	NUM
aps-79	42	14	table	table	NOUN
aps-79	42	15	1	1	NUM
aps-79	42	16	:	:	PUNCT
aps-79	42	17	proposed	propose	VERB
aps-79	42	18	census	census	NOUN
aps-79	42	19	questions	question	NOUN
aps-79	42	20	on	on	ADP
aps-79	42	21	perceived	perceive	VERB
aps-79	42	22	financial	financial	ADJ
aps-79	42	23	wellbeing	wellbee	VERB
aps-79	42	24	items	item	NOUN
aps-79	42	25	item	item	NOUN
aps-79	42	26	question	question	NOUN
aps-79	42	27	responses	response	NOUN
aps-79	42	28	1	1	NUM
aps-79	42	29	i	i	PRON
aps-79	42	30	can	can	AUX
aps-79	42	31	enjoy	enjoy	VERB
aps-79	42	32	life	life	NOUN
aps-79	42	33	because	because	SCONJ
aps-79	42	34	of	of	ADP
aps-79	42	35	the	the	DET
aps-79	42	36	way	way	NOUN
aps-79	42	37	i	i	PRON
aps-79	42	38	’m	’m	AUX
aps-79	42	39	managing	manage	VERB
aps-79	42	40	my	my	PRON
aps-79	42	41	finances	finance	NOUN
aps-79	42	42	.	.	PUNCT
aps-79	42	43	0	0	PUNCT
aps-79	43	1	–	–	PUNCT
aps-79	43	2	not	not	PART
aps-79	43	3	at	at	ADV
aps-79	43	4	all	all	ADV
aps-79	43	5	1	1	NUM
aps-79	43	6	–	–	PUNCT
aps-79	43	7	very	very	ADV
aps-79	43	8	little	little	ADJ
aps-79	43	9	2	2	NUM
aps-79	43	10	–	–	PUNCT
aps-79	43	11	somewhat	somewhat	ADV
aps-79	43	12	3	3	NUM
aps-79	43	13	–	–	PUNCT
aps-79	43	14	very	very	ADV
aps-79	43	15	well	well	ADV
aps-79	43	16	4	4	NUM
aps-79	43	17	–	–	PUNCT
aps-79	43	18	completely	completely	ADV
aps-79	43	19	2	2	NUM
aps-79	43	20	i	i	PRON
aps-79	43	21	could	could	AUX
aps-79	43	22	handle	handle	VERB
aps-79	43	23	a	a	DET
aps-79	43	24	major	major	ADJ
aps-79	43	25	unexpected	unexpected	ADJ
aps-79	43	26	expense	expense	NOUN
aps-79	43	27	.	.	PUNCT
aps-79	43	28	0	0	PUNCT
aps-79	44	1	–	–	PUNCT
aps-79	44	2	not	not	PART
aps-79	44	3	at	at	ADV
aps-79	44	4	all	all	ADV
aps-79	44	5	1	1	NUM
aps-79	44	6	–	–	PUNCT
aps-79	44	7	very	very	ADV
aps-79	44	8	little	little	ADJ
aps-79	44	9	2	2	NUM
aps-79	44	10	–	–	PUNCT
aps-79	44	11	somewhat	somewhat	ADV
aps-79	44	12	3	3	NUM
aps-79	44	13	–	–	PUNCT
aps-79	44	14	very	very	ADV
aps-79	44	15	well	well	ADV
aps-79	44	16	4	4	NUM
aps-79	44	17	–	–	PUNCT
aps-79	44	18	completely	completely	ADV
aps-79	44	19	3	3	NUM
aps-79	44	20	i	i	PRON
aps-79	44	21	feel	feel	VERB
aps-79	44	22	on	on	ADP
aps-79	44	23	top	top	NOUN
aps-79	44	24	of	of	ADP
aps-79	44	25	my	my	PRON
aps-79	44	26	day	day	NOUN
aps-79	44	27	to	to	ADP
aps-79	44	28	day	day	NOUN
aps-79	44	29	finances	finance	NOUN
aps-79	44	30	.	.	PUNCT
aps-79	44	31	0	0	PUNCT
aps-79	45	1	–	–	PUNCT
aps-79	45	2	disagree	disagree	VERB
aps-79	45	3	strongly	strongly	ADV
aps-79	45	4	1	1	NUM
aps-79	45	5	–	–	PUNCT
aps-79	45	6	disagree	disagree	VERB
aps-79	45	7	2	2	NUM
aps-79	45	8	–	–	PUNCT
aps-79	45	9	neither	neither	CCONJ
aps-79	45	10	agree	agree	VERB
aps-79	45	11	nor	nor	CCONJ
aps-79	45	12	disagree	disagree	VERB
aps-79	45	13	3	3	NUM
aps-79	45	14	–	–	PUNCT
aps-79	45	15	agree	agree	VERB
aps-79	45	16	4	4	NUM
aps-79	45	17	–	–	PUNCT
aps-79	45	18	strongly	strongly	ADV
aps-79	45	19	agree	agree	VERB
aps-79	45	20	4	4	NUM
aps-79	46	1	i	i	PRON
aps-79	46	2	am	be	AUX
aps-79	46	3	comfortable	comfortable	ADJ
aps-79	46	4	with	with	ADP
aps-79	46	5	my	my	PRON
aps-79	46	6	current	current	ADJ
aps-79	46	7	levels	level	NOUN
aps-79	46	8	of	of	ADP
aps-79	46	9	spending	spending	NOUN
aps-79	46	10	.	.	PUNCT
aps-79	46	11	0	0	PUNCT
aps-79	47	1	–	–	PUNCT
aps-79	47	2	disagree	disagree	VERB
aps-79	47	3	strongly	strongly	ADV
aps-79	47	4	1	1	NUM
aps-79	47	5	–	–	PUNCT
aps-79	47	6	disagree	disagree	VERB
aps-79	47	7	2	2	NUM
aps-79	47	8	–	–	PUNCT
aps-79	47	9	neither	neither	CCONJ
aps-79	47	10	agree	agree	VERB
aps-79	47	11	nor	nor	CCONJ
aps-79	47	12	disagree	disagree	VERB
aps-79	47	13	3	3	NUM
aps-79	47	14	–	–	PUNCT
aps-79	47	15	agree	agree	VERB
aps-79	47	16	4	4	NUM
aps-79	47	17	–	–	PUNCT
aps-79	47	18	strongly	strongly	ADV
aps-79	47	19	agree	agree	VERB
aps-79	47	20	5	5	NUM
aps-79	48	1	i	i	PRON
aps-79	48	2	am	be	AUX
aps-79	48	3	on	on	ADP
aps-79	48	4	track	track	NOUN
aps-79	48	5	to	to	PART
aps-79	48	6	have	have	AUX
aps-79	48	7	enough	enough	ADJ
aps-79	48	8	money	money	NOUN
aps-79	48	9	to	to	PART
aps-79	48	10	provide	provide	VERB
aps-79	48	11	for	for	ADP
aps-79	48	12	my	my	PRON
aps-79	48	13	financial	financial	ADJ
aps-79	48	14	needs	need	NOUN
aps-79	48	15	in	in	ADP
aps-79	48	16	the	the	DET
aps-79	48	17	future	future	NOUN
aps-79	48	18	.	.	PUNCT
aps-79	48	19	0	0	PUNCT
aps-79	49	1	–	–	PUNCT
aps-79	49	2	disagree	disagree	VERB
aps-79	49	3	strongly	strongly	ADV
aps-79	49	4	1	1	NUM
aps-79	49	5	–	–	PUNCT
aps-79	49	6	disagree	disagree	VERB
aps-79	49	7	2	2	NUM
aps-79	49	8	–	–	PUNCT
aps-79	49	9	neither	neither	CCONJ
aps-79	49	10	agree	agree	VERB
aps-79	49	11	nor	nor	CCONJ
aps-79	49	12	disagree	disagree	VERB
aps-79	49	13	3	3	NUM
aps-79	49	14	–	–	PUNCT
aps-79	49	15	agree	agree	VERB
aps-79	49	16	4	4	NUM
aps-79	49	17	–	–	PUNCT
aps-79	49	18	strongly	strongly	ADV
aps-79	49	19	agree	agree	VERB
aps-79	49	20	source	source	NOUN
aps-79	49	21	:	:	PUNCT
aps-79	49	22	botha	botha	PROPN
aps-79	49	23	et	et	PROPN
aps-79	49	24	al	al	PROPN
aps-79	49	25	.	.	PROPN
aps-79	50	1	(	(	PUNCT
aps-79	50	2	2020	2020	NUM
aps-79	50	3	)	)	PUNCT
aps-79	50	4	note	note	NOUN
aps-79	50	5	:	:	PUNCT
aps-79	50	6	all	all	DET
aps-79	50	7	five	five	NUM
aps-79	50	8	items	item	NOUN
aps-79	50	9	are	be	AUX
aps-79	50	10	summed	sum	VERB
aps-79	50	11	together	together	ADV
aps-79	50	12	and	and	CCONJ
aps-79	50	13	multiplied	multiply	VERB
aps-79	50	14	by	by	ADP
aps-79	50	15	the	the	DET
aps-79	50	16	factor	factor	NOUN
aps-79	50	17	5	5	NUM
aps-79	50	18	to	to	PART
aps-79	50	19	obtain	obtain	VERB
aps-79	50	20	the	the	DET
aps-79	50	21	overall	overall	ADJ
aps-79	50	22	r-5	r-5	NOUN
aps-79	50	23	score	score	NOUN
aps-79	50	24	ranging	range	VERB
aps-79	50	25	from	from	ADP
aps-79	50	26	0	0	NUM
aps-79	50	27	to	to	ADP
aps-79	50	28	100	100	NUM
aps-79	50	29	.	.	PUNCT
aps-79	51	1	from	from	ADP
aps-79	51	2	0	0	NUM
aps-79	51	3	(	(	PUNCT
aps-79	51	4	low	low	ADJ
aps-79	51	5	financial	financial	ADJ
aps-79	51	6	wellbeing	wellbeing	NOUN
aps-79	51	7	)	)	PUNCT
aps-79	51	8	to	to	ADP
aps-79	51	9	100	100	NUM
aps-79	51	10	(	(	PUNCT
aps-79	51	11	high	high	ADJ
aps-79	51	12	financial	financial	ADJ
aps-79	51	13	wellbeing)3	wellbeing)3	PROPN
aps-79	51	14	.	.	PUNCT
aps-79	52	1	as	as	ADP
aps-79	52	2	an	an	DET
aps-79	52	3	example	example	NOUN
aps-79	52	4	,	,	PUNCT
aps-79	52	5	for	for	ADP
aps-79	52	6	each	each	DET
aps-79	52	7	item	item	NOUN
aps-79	52	8	in	in	ADP
aps-79	52	9	table	table	NOUN
aps-79	52	10	1	1	NUM
aps-79	52	11	person	person	NOUN
aps-79	52	12	a	a	PRON
aps-79	52	13	may	may	AUX
aps-79	52	14	select	select	VERB
aps-79	52	15	responses	response	NOUN
aps-79	52	16	consistent	consistent	ADJ
aps-79	52	17	with	with	ADP
aps-79	52	18	the	the	DET
aps-79	52	19	values	value	NOUN
aps-79	52	20	of	of	ADP
aps-79	52	21	3	3	NUM
aps-79	52	22	,	,	PUNCT
aps-79	52	23	1	1	NUM
aps-79	52	24	,	,	PUNCT
aps-79	52	25	2	2	NUM
aps-79	52	26	,	,	PUNCT
aps-79	52	27	3	3	NUM
aps-79	52	28	,	,	PUNCT
aps-79	52	29	and	and	CCONJ
aps-79	52	30	2	2	X
aps-79	52	31	.	.	X
aps-79	52	32	person	person	NOUN
aps-79	52	33	a	a	DET
aps-79	52	34	’s	’s	ADV
aps-79	52	35	financial	financial	ADJ
aps-79	52	36	wellbeing	wellbee	VERB
aps-79	52	37	score	score	NOUN
aps-79	52	38	would	would	AUX
aps-79	52	39	thus	thus	ADV
aps-79	52	40	be	be	AUX
aps-79	52	41	(	(	PUNCT
aps-79	52	42	3	3	NUM
aps-79	52	43	+	+	SYM
aps-79	52	44	1	1	NUM
aps-79	52	45	+	+	NUM
aps-79	52	46	2	2	NUM
aps-79	52	47	+	+	NUM
aps-79	52	48	3	3	NUM
aps-79	52	49	+	+	CCONJ
aps-79	52	50	2	2	NUM
aps-79	52	51	)	)	PUNCT
aps-79	52	52	x	x	SYM
aps-79	52	53	5	5	NUM
aps-79	52	54	=	=	SYM
aps-79	52	55	55	55	NUM
aps-79	52	56	.	.	PUNCT
aps-79	53	1	person	person	NOUN
aps-79	53	2	b	b	PROPN
aps-79	53	3	’s	’s	PART
aps-79	53	4	responses	response	NOUN
aps-79	53	5	may	may	AUX
aps-79	53	6	be	be	AUX
aps-79	53	7	consistent	consistent	ADJ
aps-79	53	8	with	with	ADP
aps-79	53	9	the	the	DET
aps-79	53	10	values	value	NOUN
aps-79	53	11	of	of	ADP
aps-79	53	12	4	4	NUM
aps-79	53	13	,	,	PUNCT
aps-79	53	14	3	3	NUM
aps-79	53	15	,	,	PUNCT
aps-79	53	16	4	4	NUM
aps-79	53	17	,	,	PUNCT
aps-79	53	18	2	2	NUM
aps-79	53	19	,	,	PUNCT
aps-79	53	20	and	and	CCONJ
aps-79	53	21	3	3	NUM
aps-79	53	22	,	,	PUNCT
aps-79	53	23	which	which	PRON
aps-79	53	24	will	will	AUX
aps-79	53	25	produce	produce	VERB
aps-79	53	26	a	a	DET
aps-79	53	27	financial	financial	ADJ
aps-79	53	28	wellbeing	wellbee	VERB
aps-79	53	29	score	score	NOUN
aps-79	53	30	of	of	ADP
aps-79	53	31	(	(	PUNCT
aps-79	53	32	4	4	NUM
aps-79	53	33	+	+	SYM
aps-79	53	34	3	3	NUM
aps-79	53	35	+	+	SYM
aps-79	53	36	4	4	NUM
aps-79	53	37	+	+	SYM
aps-79	53	38	2	2	NUM
aps-79	53	39	+	+	NUM
aps-79	53	40	3	3	NUM
aps-79	53	41	)	)	PUNCT
aps-79	53	42	x	x	SYM
aps-79	53	43	5	5	NUM
aps-79	53	44	=	=	SYM
aps-79	53	45	80	80	NUM
aps-79	53	46	.	.	PUNCT
aps-79	54	1	clearly	clearly	ADV
aps-79	54	2	,	,	PUNCT
aps-79	54	3	person	person	NOUN
aps-79	54	4	b	b	NOUN
aps-79	54	5	has	have	VERB
aps-79	54	6	higher	high	ADJ
aps-79	54	7	perceived	perceive	VERB
aps-79	54	8	financial	financial	ADJ
aps-79	54	9	wellbeing	wellbee	VERB
aps-79	54	10	relative	relative	NOUN
aps-79	54	11	to	to	ADP
aps-79	54	12	person	person	NOUN
aps-79	54	13	a.	a.	NOUN
aps-79	54	14	as	as	SCONJ
aps-79	54	15	also	also	ADV
aps-79	54	16	alluded	allude	VERB
aps-79	54	17	to	to	ADP
aps-79	54	18	in	in	ADP
aps-79	54	19	the	the	DET
aps-79	54	20	next	next	ADJ
aps-79	54	21	section	section	NOUN
aps-79	54	22	,	,	PUNCT
aps-79	54	23	however	however	ADV
aps-79	54	24	,	,	PUNCT
aps-79	54	25	such	such	DET
aps-79	54	26	a	a	DET
aps-79	54	27	result	result	NOUN
aps-79	54	28	would	would	AUX
aps-79	54	29	not	not	PART
aps-79	54	30	necessarily	necessarily	ADV
aps-79	54	31	imply	imply	VERB
aps-79	54	32	that	that	DET
aps-79	54	33	person	person	NOUN
aps-79	54	34	b	b	PROPN
aps-79	54	35	has	have	VERB
aps-79	54	36	a	a	DET
aps-79	54	37	higher	high	ADJ
aps-79	54	38	income	income	NOUN
aps-79	54	39	than	than	ADP
aps-79	54	40	person	person	NOUN
aps-79	54	41	a.	a.	NOUN
aps-79	54	42	it	it	PRON
aps-79	54	43	is	be	AUX
aps-79	54	44	entirely	entirely	ADV
aps-79	54	45	possible	possible	ADJ
aps-79	54	46	,	,	PUNCT
aps-79	54	47	and	and	CCONJ
aps-79	54	48	is	be	AUX
aps-79	54	49	often	often	ADV
aps-79	54	50	the	the	DET
aps-79	54	51	case	case	NOUN
aps-79	54	52	,	,	PUNCT
aps-79	54	53	that	that	SCONJ
aps-79	54	54	people	people	NOUN
aps-79	54	55	with	with	ADP
aps-79	54	56	higher	high	ADJ
aps-79	54	57	(	(	PUNCT
aps-79	54	58	lower	low	ADJ
aps-79	54	59	)	)	PUNCT
aps-79	54	60	levels	level	NOUN
aps-79	54	61	of	of	ADP
aps-79	54	62	income	income	NOUN
aps-79	54	63	may	may	AUX
aps-79	54	64	have	have	VERB
aps-79	54	65	relatively	relatively	ADV
aps-79	54	66	lower	low	ADJ
aps-79	54	67	(	(	PUNCT
aps-79	54	68	higher	high	ADJ
aps-79	54	69	)	)	PUNCT
aps-79	54	70	financial	financial	ADJ
aps-79	54	71	wellbeing	wellbeing	NOUN
aps-79	54	72	.	.	PUNCT
aps-79	55	1	a	a	DET
aps-79	55	2	simple	simple	ADJ
aps-79	55	3	focus	focus	NOUN
aps-79	55	4	on	on	ADP
aps-79	55	5	income	income	NOUN
aps-79	55	6	alone	alone	ADV
aps-79	55	7	can	can	AUX
aps-79	55	8	therefore	therefore	ADV
aps-79	55	9	provide	provide	VERB
aps-79	55	10	a	a	DET
aps-79	55	11	misleading	misleading	ADJ
aps-79	55	12	picture	picture	NOUN
aps-79	55	13	of	of	ADP
aps-79	55	14	people	people	NOUN
aps-79	55	15	’s	’s	PART
aps-79	55	16	financial	financial	ADJ
aps-79	55	17	wellbeing	wellbee	VERB
aps-79	55	18	position	position	NOUN
aps-79	55	19	,	,	PUNCT
aps-79	55	20	as	as	SCONJ
aps-79	55	21	“	"	PUNCT
aps-79	55	22	financial	financial	ADJ
aps-79	55	23	wellbeing	wellbeing	NOUN
aps-79	55	24	gives	give	VERB
aps-79	55	25	us	we	PRON
aps-79	55	26	a	a	DET
aps-79	55	27	holistic	holistic	ADJ
aps-79	55	28	view	view	NOUN
aps-79	55	29	of	of	ADP
aps-79	55	30	the	the	DET
aps-79	55	31	true	true	ADJ
aps-79	55	32	pressures	pressure	NOUN
aps-79	55	33	felt	feel	VERB
aps-79	55	34	by	by	ADP
aps-79	55	35	all	all	DET
aps-79	55	36	individuals	individual	NOUN
aps-79	55	37	across	across	ADP
aps-79	55	38	the	the	DET
aps-79	55	39	income	income	NOUN
aps-79	55	40	and	and	CCONJ
aps-79	55	41	wealth	wealth	NOUN
aps-79	55	42	distribution	distribution	NOUN
aps-79	55	43	…	…	PUNCT
aps-79	55	44	”	"	PUNCT
aps-79	55	45	(	(	PUNCT
aps-79	55	46	botha	botha	PROPN
aps-79	55	47	et	et	PROPN
aps-79	55	48	al	al	PROPN
aps-79	55	49	.	.	PROPN
aps-79	55	50	2021	2021	NUM
aps-79	55	51	p.	p.	NOUN
aps-79	55	52	656	656	NUM
aps-79	55	53	)	)	PUNCT
aps-79	55	54	.	.	PUNCT
aps-79	56	1	with	with	ADP
aps-79	56	2	financial	financial	ADJ
aps-79	56	3	3	3	NUM
aps-79	56	4	botha	botha	PROPN
aps-79	56	5	et	et	PROPN
aps-79	56	6	al	al	PROPN
aps-79	56	7	.	.	PROPN
aps-79	56	8	(	(	PUNCT
aps-79	56	9	2020	2020	NUM
aps-79	56	10	,	,	PUNCT
aps-79	56	11	2021	2021	NUM
aps-79	56	12	)	)	PUNCT
aps-79	56	13	found	find	VERB
aps-79	56	14	that	that	SCONJ
aps-79	56	15	the	the	DET
aps-79	56	16	simple	simple	ADJ
aps-79	56	17	summation	summation	NOUN
aps-79	56	18	of	of	ADP
aps-79	56	19	the	the	DET
aps-79	56	20	r-5	r-5	NOUN
aps-79	56	21	performed	perform	VERB
aps-79	56	22	equally	equally	ADV
aps-79	56	23	well	well	ADV
aps-79	56	24	compared	compare	VERB
aps-79	56	25	to	to	ADP
aps-79	56	26	a	a	DET
aps-79	56	27	latent	latent	NOUN
aps-79	56	28	factor	factor	NOUN
aps-79	56	29	score	score	NOUN
aps-79	56	30	predicted	predict	VERB
aps-79	56	31	from	from	ADP
aps-79	56	32	irt	irt	PROPN
aps-79	56	33	analyses	analysis	NOUN
aps-79	56	34	.	.	PUNCT
aps-79	57	1	for	for	ADP
aps-79	57	2	ease	ease	NOUN
aps-79	57	3	of	of	ADP
aps-79	57	4	computation	computation	NOUN
aps-79	57	5	and	and	CCONJ
aps-79	57	6	interpretation	interpretation	NOUN
aps-79	57	7	,	,	PUNCT
aps-79	57	8	therefore	therefore	ADV
aps-79	57	9	,	,	PUNCT
aps-79	57	10	the	the	DET
aps-79	57	11	summation	summation	NOUN
aps-79	57	12	r-5	r-5	NOUN
aps-79	57	13	score	score	NOUN
aps-79	57	14	is	be	AUX
aps-79	57	15	an	an	DET
aps-79	57	16	acceptable	acceptable	ADJ
aps-79	57	17	and	and	CCONJ
aps-79	57	18	simple	simple	ADJ
aps-79	57	19	measure	measure	NOUN
aps-79	57	20	of	of	ADP
aps-79	57	21	self	self	NOUN
aps-79	57	22	-	-	PUNCT
aps-79	57	23	reported	report	VERB
aps-79	57	24	financial	financial	ADJ
aps-79	57	25	wellbeing	wellbeing	NOUN
aps-79	57	26	.	.	PUNCT
aps-79	58	1	australian	australian	ADJ
aps-79	58	2	population	population	NOUN
aps-79	58	3	studies	study	NOUN
aps-79	58	4	5	5	NUM
aps-79	58	5	(	(	PUNCT
aps-79	58	6	1	1	NUM
aps-79	58	7	)	)	PUNCT
aps-79	58	8	2021	2021	NUM
aps-79	58	9	botha	botha	PROPN
aps-79	58	10	&	&	CCONJ
aps-79	58	11	de	de	X
aps-79	58	12	new	new	ADJ
aps-79	58	13	37	37	NUM
aps-79	58	14	wellbeing	wellbeing	NOUN
aps-79	58	15	,	,	PUNCT
aps-79	58	16	we	we	PRON
aps-79	58	17	capture	capture	VERB
aps-79	58	18	how	how	SCONJ
aps-79	58	19	people	people	NOUN
aps-79	58	20	are	be	AUX
aps-79	58	21	able	able	ADJ
aps-79	58	22	to	to	PART
aps-79	58	23	respond	respond	VERB
aps-79	58	24	to	to	ADP
aps-79	58	25	shocks	shock	NOUN
aps-79	58	26	,	,	PUNCT
aps-79	58	27	the	the	DET
aps-79	58	28	extent	extent	NOUN
aps-79	58	29	to	to	PART
aps-79	58	30	which	which	PRON
aps-79	58	31	they	they	PRON
aps-79	58	32	are	be	AUX
aps-79	58	33	financially	financially	ADV
aps-79	58	34	constrained	constrain	VERB
aps-79	58	35	,	,	PUNCT
aps-79	58	36	and	and	CCONJ
aps-79	58	37	people	people	NOUN
aps-79	58	38	’s	’s	PART
aps-79	58	39	ability	ability	NOUN
aps-79	58	40	to	to	PART
aps-79	58	41	plan	plan	VERB
aps-79	58	42	for	for	ADP
aps-79	58	43	future	future	ADJ
aps-79	58	44	financial	financial	ADJ
aps-79	58	45	needs	need	NOUN
aps-79	58	46	.	.	PUNCT
aps-79	59	1	australian	australian	ADJ
aps-79	59	2	households	household	NOUN
aps-79	59	3	have	have	VERB
aps-79	59	4	one	one	NUM
aps-79	59	5	of	of	ADP
aps-79	59	6	the	the	DET
aps-79	59	7	highest	high	ADJ
aps-79	59	8	private	private	ADJ
aps-79	59	9	household	household	NOUN
aps-79	59	10	debt	debt	NOUN
aps-79	59	11	rates	rate	NOUN
aps-79	59	12	in	in	ADP
aps-79	59	13	the	the	DET
aps-79	59	14	world	world	NOUN
aps-79	59	15	with	with	ADP
aps-79	59	16	a	a	DET
aps-79	59	17	household	household	NOUN
aps-79	59	18	debt	debt	NOUN
aps-79	59	19	-	-	PUNCT
aps-79	59	20	to	to	ADP
aps-79	59	21	-	-	PUNCT
aps-79	59	22	income	income	NOUN
aps-79	59	23	ratio	ratio	NOUN
aps-79	59	24	of	of	ADP
aps-79	59	25	around	around	ADV
aps-79	59	26	200	200	NUM
aps-79	59	27	per	per	ADP
aps-79	59	28	cent	cent	NOUN
aps-79	59	29	(	(	PUNCT
aps-79	59	30	kearns	kearn	NOUN
aps-79	59	31	et	et	PROPN
aps-79	59	32	al	al	PROPN
aps-79	59	33	.	.	PROPN
aps-79	59	34	2020	2020	NUM
aps-79	59	35	)	)	PUNCT
aps-79	59	36	.	.	PUNCT
aps-79	60	1	much	much	ADJ
aps-79	60	2	of	of	ADP
aps-79	60	3	this	this	PRON
aps-79	60	4	is	be	AUX
aps-79	60	5	driven	drive	VERB
aps-79	60	6	by	by	ADP
aps-79	60	7	real	real	ADJ
aps-79	60	8	-	-	PUNCT
aps-79	60	9	estate	estate	NOUN
aps-79	60	10	purchases	purchase	NOUN
aps-79	60	11	and	and	CCONJ
aps-79	60	12	can	can	AUX
aps-79	60	13	leave	leave	VERB
aps-79	60	14	even	even	ADV
aps-79	60	15	relatively	relatively	ADV
aps-79	60	16	well	well	ADV
aps-79	60	17	-	-	PUNCT
aps-79	60	18	off	off	ADP
aps-79	60	19	households	household	NOUN
aps-79	60	20	“	"	PUNCT
aps-79	60	21	cash	cash	NOUN
aps-79	60	22	-	-	PUNCT
aps-79	60	23	strapped	strap	VERB
aps-79	60	24	”	"	PUNCT
aps-79	60	25	,	,	PUNCT
aps-79	60	26	living	live	VERB
aps-79	60	27	month	month	NOUN
aps-79	60	28	-	-	PUNCT
aps-79	60	29	to	to	ADP
aps-79	60	30	-	-	PUNCT
aps-79	60	31	month	month	NOUN
aps-79	60	32	.	.	PUNCT
aps-79	61	1	on	on	ADP
aps-79	61	2	paper	paper	NOUN
aps-79	61	3	,	,	PUNCT
aps-79	61	4	a	a	DET
aps-79	61	5	household	household	NOUN
aps-79	61	6	’s	’s	PART
aps-79	61	7	income	income	NOUN
aps-79	61	8	may	may	AUX
aps-79	61	9	be	be	AUX
aps-79	61	10	substantial	substantial	ADJ
aps-79	61	11	,	,	PUNCT
aps-79	61	12	yet	yet	ADV
aps-79	61	13	inflexible	inflexible	ADJ
aps-79	61	14	monthly	monthly	ADJ
aps-79	61	15	expenses	expense	NOUN
aps-79	61	16	of	of	ADP
aps-79	61	17	high	high	ADJ
aps-79	61	18	mortgage	mortgage	NOUN
aps-79	61	19	payments	payment	NOUN
aps-79	61	20	leave	leave	VERB
aps-79	61	21	the	the	DET
aps-79	61	22	household	household	NOUN
aps-79	61	23	with	with	ADP
aps-79	61	24	limited	limited	ADJ
aps-79	61	25	options	option	NOUN
aps-79	61	26	in	in	ADP
aps-79	61	27	the	the	DET
aps-79	61	28	face	face	NOUN
aps-79	61	29	of	of	ADP
aps-79	61	30	unexpected	unexpected	ADJ
aps-79	61	31	expenses	expense	NOUN
aps-79	61	32	or	or	CCONJ
aps-79	61	33	economic	economic	ADJ
aps-79	61	34	uncertainties	uncertainty	NOUN
aps-79	61	35	.	.	PUNCT
aps-79	62	1	given	give	VERB
aps-79	62	2	the	the	DET
aps-79	62	3	central	central	ADJ
aps-79	62	4	role	role	NOUN
aps-79	62	5	of	of	ADP
aps-79	62	6	real	real	ADJ
aps-79	62	7	-	-	PUNCT
aps-79	62	8	estate	estate	NOUN
aps-79	62	9	prices	price	NOUN
aps-79	62	10	in	in	ADP
aps-79	62	11	the	the	DET
aps-79	62	12	australian	australian	ADJ
aps-79	62	13	economy	economy	NOUN
aps-79	62	14	,	,	PUNCT
aps-79	62	15	this	this	DET
aps-79	62	16	effect	effect	NOUN
aps-79	62	17	is	be	AUX
aps-79	62	18	likely	likely	ADJ
aps-79	62	19	only	only	ADV
aps-79	62	20	to	to	PART
aps-79	62	21	increase	increase	VERB
aps-79	62	22	over	over	ADP
aps-79	62	23	time	time	NOUN
aps-79	62	24	.	.	PUNCT
aps-79	63	1	3	3	X
aps-79	63	2	.	.	NOUN
aps-79	63	3	advantages	advantage	NOUN
aps-79	63	4	and	and	CCONJ
aps-79	63	5	expected	expect	VERB
aps-79	63	6	returns	return	NOUN
aps-79	63	7	inclusion	inclusion	NOUN
aps-79	63	8	of	of	ADP
aps-79	63	9	the	the	DET
aps-79	63	10	r-5	r-5	NOUN
aps-79	63	11	scale	scale	NOUN
aps-79	63	12	in	in	ADP
aps-79	63	13	the	the	DET
aps-79	63	14	2026	2026	NUM
aps-79	63	15	census	census	NOUN
aps-79	63	16	would	would	AUX
aps-79	63	17	enable	enable	VERB
aps-79	63	18	stakeholders	stakeholder	NOUN
aps-79	63	19	to	to	PART
aps-79	63	20	obtain	obtain	VERB
aps-79	63	21	an	an	DET
aps-79	63	22	overarching	overarching	ADJ
aps-79	63	23	view	view	NOUN
aps-79	63	24	of	of	ADP
aps-79	63	25	perceived	perceive	VERB
aps-79	63	26	financial	financial	ADJ
aps-79	63	27	wellbeing	wellbee	VERB
aps-79	63	28	across	across	ADP
aps-79	63	29	the	the	DET
aps-79	63	30	entire	entire	ADJ
aps-79	63	31	country	country	NOUN
aps-79	63	32	.	.	PUNCT
aps-79	64	1	for	for	ADP
aps-79	64	2	government	government	NOUN
aps-79	64	3	,	,	PUNCT
aps-79	64	4	the	the	DET
aps-79	64	5	financial	financial	ADJ
aps-79	64	6	wellbeing	wellbee	VERB
aps-79	64	7	questions	question	NOUN
aps-79	64	8	would	would	AUX
aps-79	64	9	provide	provide	VERB
aps-79	64	10	an	an	DET
aps-79	64	11	indication	indication	NOUN
aps-79	64	12	of	of	ADP
aps-79	64	13	how	how	SCONJ
aps-79	64	14	australians	australian	NOUN
aps-79	64	15	are	be	AUX
aps-79	64	16	doing	do	VERB
aps-79	64	17	financially	financially	ADV
aps-79	64	18	in	in	ADP
aps-79	64	19	a	a	DET
aps-79	64	20	holistic	holistic	ADJ
aps-79	64	21	sense	sense	NOUN
aps-79	64	22	.	.	PUNCT
aps-79	65	1	for	for	ADP
aps-79	65	2	researchers	researcher	NOUN
aps-79	65	3	,	,	PUNCT
aps-79	65	4	availability	availability	NOUN
aps-79	65	5	of	of	ADP
aps-79	65	6	the	the	DET
aps-79	65	7	financial	financial	ADJ
aps-79	65	8	wellbeing	wellbee	VERB
aps-79	65	9	questions	question	NOUN
aps-79	65	10	would	would	AUX
aps-79	65	11	allow	allow	VERB
aps-79	65	12	for	for	ADP
aps-79	65	13	a	a	DET
aps-79	65	14	wide	wide	ADJ
aps-79	65	15	range	range	NOUN
aps-79	65	16	of	of	ADP
aps-79	65	17	analyses	analysis	NOUN
aps-79	65	18	into	into	ADP
aps-79	65	19	what	what	PRON
aps-79	65	20	personal	personal	ADJ
aps-79	65	21	and	and	CCONJ
aps-79	65	22	household	household	NOUN
aps-79	65	23	factors	factor	NOUN
aps-79	65	24	may	may	AUX
aps-79	65	25	be	be	AUX
aps-79	65	26	contributing	contribute	VERB
aps-79	65	27	to	to	ADP
aps-79	65	28	financial	financial	ADJ
aps-79	65	29	wellbeing	wellbeing	NOUN
aps-79	65	30	,	,	PUNCT
aps-79	65	31	or	or	CCONJ
aps-79	65	32	how	how	SCONJ
aps-79	65	33	financial	financial	ADJ
aps-79	65	34	wellbeing	wellbeing	NOUN
aps-79	65	35	may	may	AUX
aps-79	65	36	affect	affect	VERB
aps-79	65	37	other	other	ADJ
aps-79	65	38	spheres	sphere	NOUN
aps-79	65	39	of	of	ADP
aps-79	65	40	australians	australian	NOUN
aps-79	65	41	’	'	PUNCT
aps-79	65	42	lives	life	NOUN
aps-79	65	43	.	.	PUNCT
aps-79	66	1	this	this	DET
aps-79	66	2	financial	financial	ADJ
aps-79	66	3	wellbeing	wellbee	VERB
aps-79	66	4	scale	scale	NOUN
aps-79	66	5	allows	allow	VERB
aps-79	66	6	one	one	NUM
aps-79	66	7	to	to	PART
aps-79	66	8	addresses	address	VERB
aps-79	66	9	the	the	DET
aps-79	66	10	entire	entire	ADJ
aps-79	66	11	distribution	distribution	NOUN
aps-79	66	12	and	and	CCONJ
aps-79	66	13	does	do	AUX
aps-79	66	14	not	not	PART
aps-79	66	15	focus	focus	VERB
aps-79	66	16	simply	simply	ADV
aps-79	66	17	on	on	ADP
aps-79	66	18	the	the	DET
aps-79	66	19	left	left	ADJ
aps-79	66	20	tail	tail	NOUN
aps-79	66	21	of	of	ADP
aps-79	66	22	the	the	DET
aps-79	66	23	distribution	distribution	NOUN
aps-79	66	24	as	as	ADP
aps-79	66	25	a	a	DET
aps-79	66	26	“	"	PUNCT
aps-79	66	27	financial	financial	ADJ
aps-79	66	28	stress	stress	NOUN
aps-79	66	29	”	"	PUNCT
aps-79	66	30	measure	measure	NOUN
aps-79	66	31	is	be	AUX
aps-79	66	32	likely	likely	ADJ
aps-79	66	33	to	to	PART
aps-79	66	34	do	do	VERB
aps-79	66	35	.	.	PUNCT
aps-79	67	1	rather	rather	ADV
aps-79	67	2	,	,	PUNCT
aps-79	67	3	financial	financial	ADJ
aps-79	67	4	wellbeing	wellbeing	NOUN
aps-79	67	5	can	can	AUX
aps-79	67	6	also	also	ADV
aps-79	67	7	address	address	VERB
aps-79	67	8	equally	equally	ADV
aps-79	67	9	and	and	CCONJ
aps-79	67	10	quite	quite	ADV
aps-79	67	11	readily	readily	ADV
aps-79	67	12	improvements	improvement	NOUN
aps-79	67	13	in	in	ADP
aps-79	67	14	the	the	DET
aps-79	67	15	right	right	ADJ
aps-79	67	16	tail	tail	NOUN
aps-79	67	17	of	of	ADP
aps-79	67	18	the	the	DET
aps-79	67	19	distribution	distribution	NOUN
aps-79	67	20	(	(	PUNCT
aps-79	67	21	those	those	PRON
aps-79	67	22	with	with	ADP
aps-79	67	23	higher	high	ADJ
aps-79	67	24	levels	level	NOUN
aps-79	67	25	of	of	ADP
aps-79	67	26	financial	financial	ADJ
aps-79	67	27	wellbeing	wellbeing	NOUN
aps-79	67	28	)	)	PUNCT
aps-79	67	29	.	.	PUNCT
aps-79	68	1	the	the	DET
aps-79	68	2	scale	scale	NOUN
aps-79	68	3	is	be	AUX
aps-79	68	4	specifically	specifically	ADV
aps-79	68	5	designed	design	VERB
aps-79	68	6	to	to	PART
aps-79	68	7	pick	pick	VERB
aps-79	68	8	up	up	ADP
aps-79	68	9	movements	movement	NOUN
aps-79	68	10	in	in	ADP
aps-79	68	11	all	all	DET
aps-79	68	12	parts	part	NOUN
aps-79	68	13	of	of	ADP
aps-79	68	14	the	the	DET
aps-79	68	15	distribution	distribution	NOUN
aps-79	68	16	,	,	PUNCT
aps-79	68	17	well	well	ADV
aps-79	68	18	beyond	beyond	ADP
aps-79	68	19	a	a	DET
aps-79	68	20	focus	focus	NOUN
aps-79	68	21	on	on	ADP
aps-79	68	22	only	only	ADJ
aps-79	68	23	averages	average	NOUN
aps-79	68	24	.	.	PUNCT
aps-79	69	1	anyone	anyone	PRON
aps-79	69	2	aged	age	VERB
aps-79	69	3	15	15	NUM
aps-79	69	4	and	and	CCONJ
aps-79	69	5	older	old	ADJ
aps-79	69	6	can	can	AUX
aps-79	69	7	answer	answer	VERB
aps-79	69	8	the	the	DET
aps-79	69	9	financial	financial	ADJ
aps-79	69	10	wellbeing	wellbee	VERB
aps-79	69	11	battery	battery	NOUN
aps-79	69	12	of	of	ADP
aps-79	69	13	questions	question	NOUN
aps-79	69	14	.	.	PUNCT
aps-79	70	1	for	for	ADP
aps-79	70	2	both	both	CCONJ
aps-79	70	3	the	the	DET
aps-79	70	4	australian	australian	ADJ
aps-79	70	5	hilda	hilda	PROPN
aps-79	70	6	panel	panel	NOUN
aps-79	70	7	and	and	CCONJ
aps-79	70	8	the	the	DET
aps-79	70	9	australian	australian	ADJ
aps-79	70	10	census	census	NOUN
aps-79	70	11	,	,	PUNCT
aps-79	70	12	it	it	PRON
aps-79	70	13	is	be	AUX
aps-79	70	14	the	the	DET
aps-79	70	15	same	same	ADJ
aps-79	70	16	target	target	NOUN
aps-79	70	17	respondent	respondent	NOUN
aps-79	70	18	population	population	NOUN
aps-79	70	19	.	.	PUNCT
aps-79	71	1	the	the	DET
aps-79	71	2	financial	financial	ADJ
aps-79	71	3	wellbeing	wellbee	VERB
aps-79	71	4	scale	scale	NOUN
aps-79	71	5	battery	battery	NOUN
aps-79	71	6	also	also	ADV
aps-79	71	7	easily	easily	ADV
aps-79	71	8	lends	lend	VERB
aps-79	71	9	itself	itself	PRON
aps-79	71	10	to	to	ADP
aps-79	71	11	individuals	individual	NOUN
aps-79	71	12	in	in	ADP
aps-79	71	13	a	a	DET
aps-79	71	14	household	household	NOUN
aps-79	71	15	context	context	NOUN
aps-79	71	16	.	.	PUNCT
aps-79	72	1	individuals	individual	NOUN
aps-79	72	2	in	in	ADP
aps-79	72	3	the	the	DET
aps-79	72	4	same	same	ADJ
aps-79	72	5	household	household	NOUN
aps-79	72	6	can	can	AUX
aps-79	72	7	easily	easily	ADV
aps-79	72	8	have	have	VERB
aps-79	72	9	different	different	ADJ
aps-79	72	10	answers	answer	NOUN
aps-79	72	11	,	,	PUNCT
aps-79	72	12	especially	especially	ADV
aps-79	72	13	if	if	SCONJ
aps-79	72	14	there	there	PRON
aps-79	72	15	are	be	VERB
aps-79	72	16	young	young	ADJ
aps-79	72	17	adults	adult	NOUN
aps-79	72	18	still	still	ADV
aps-79	72	19	living	live	VERB
aps-79	72	20	at	at	ADP
aps-79	72	21	home	home	NOUN
aps-79	72	22	along	along	ADP
aps-79	72	23	with	with	ADP
aps-79	72	24	their	their	PRON
aps-79	72	25	parents	parent	NOUN
aps-79	72	26	.	.	PUNCT
aps-79	73	1	also	also	ADV
aps-79	73	2	given	give	VERB
aps-79	73	3	the	the	DET
aps-79	73	4	plethora	plethora	NOUN
aps-79	73	5	of	of	ADP
aps-79	73	6	non	non	ADJ
aps-79	73	7	-	-	ADJ
aps-79	73	8	standard	standard	ADJ
aps-79	73	9	cohabitation	cohabitation	NOUN
aps-79	73	10	relationships	relationship	NOUN
aps-79	73	11	,	,	PUNCT
aps-79	73	12	the	the	DET
aps-79	73	13	finances	finance	NOUN
aps-79	73	14	of	of	ADP
aps-79	73	15	two	two	NUM
aps-79	73	16	cohabiting	cohabit	VERB
aps-79	73	17	adults	adult	NOUN
aps-79	73	18	may	may	AUX
aps-79	73	19	be	be	AUX
aps-79	73	20	completely	completely	ADV
aps-79	73	21	separate	separate	ADJ
aps-79	73	22	,	,	PUNCT
aps-79	73	23	despite	despite	SCONJ
aps-79	73	24	living	live	VERB
aps-79	73	25	at	at	ADP
aps-79	73	26	the	the	DET
aps-79	73	27	same	same	ADJ
aps-79	73	28	address	address	NOUN
aps-79	73	29	.	.	PUNCT
aps-79	74	1	therefore	therefore	ADV
aps-79	74	2	,	,	PUNCT
aps-79	74	3	the	the	DET
aps-79	74	4	r-5	r-5	NOUN
aps-79	74	5	questions	question	NOUN
aps-79	74	6	in	in	ADP
aps-79	74	7	the	the	DET
aps-79	74	8	census	census	NOUN
aps-79	74	9	would	would	AUX
aps-79	74	10	also	also	ADV
aps-79	74	11	allow	allow	VERB
aps-79	74	12	for	for	ADP
aps-79	74	13	analyses	analysis	NOUN
aps-79	74	14	of	of	ADP
aps-79	74	15	within	within	ADP
aps-79	74	16	-	-	PUNCT
aps-79	74	17	household	household	NOUN
aps-79	74	18	differences	difference	NOUN
aps-79	74	19	in	in	ADP
aps-79	74	20	perceived	perceive	VERB
aps-79	74	21	financial	financial	ADJ
aps-79	74	22	wellbeing	wellbeing	NOUN
aps-79	74	23	.	.	PUNCT
aps-79	75	1	although	although	SCONJ
aps-79	75	2	previous	previous	ADJ
aps-79	75	3	census	census	NOUN
aps-79	75	4	rounds	round	NOUN
aps-79	75	5	have	have	AUX
aps-79	75	6	consistently	consistently	ADV
aps-79	75	7	included	include	VERB
aps-79	75	8	information	information	NOUN
aps-79	75	9	on	on	ADP
aps-79	75	10	factors	factor	NOUN
aps-79	75	11	such	such	ADJ
aps-79	75	12	as	as	ADP
aps-79	75	13	total	total	ADJ
aps-79	75	14	personal	personal	ADJ
aps-79	75	15	income	income	NOUN
aps-79	75	16	and	and	CCONJ
aps-79	75	17	total	total	ADJ
aps-79	75	18	household	household	NOUN
aps-79	75	19	income	income	NOUN
aps-79	75	20	,	,	PUNCT
aps-79	75	21	questions	question	NOUN
aps-79	75	22	on	on	ADP
aps-79	75	23	individuals	individual	NOUN
aps-79	75	24	’	'	PUNCT
aps-79	75	25	financial	financial	ADJ
aps-79	75	26	wellbeing	wellbeing	NOUN
aps-79	75	27	have	have	AUX
aps-79	75	28	never	never	ADV
aps-79	75	29	been	be	AUX
aps-79	75	30	asked	ask	VERB
aps-79	75	31	in	in	ADP
aps-79	75	32	the	the	DET
aps-79	75	33	australian	australian	ADJ
aps-79	75	34	census	census	NOUN
aps-79	75	35	.	.	PUNCT
aps-79	76	1	as	as	ADV
aps-79	76	2	far	far	ADV
aps-79	76	3	as	as	SCONJ
aps-79	76	4	could	could	AUX
aps-79	76	5	be	be	AUX
aps-79	76	6	determined	determine	VERB
aps-79	76	7	,	,	PUNCT
aps-79	76	8	no	no	DET
aps-79	76	9	other	other	ADJ
aps-79	76	10	national	national	ADJ
aps-79	76	11	census	census	NOUN
aps-79	76	12	in	in	ADP
aps-79	76	13	the	the	DET
aps-79	76	14	world	world	NOUN
aps-79	76	15	asks	ask	VERB
aps-79	76	16	citizens	citizen	NOUN
aps-79	76	17	about	about	ADP
aps-79	76	18	their	their	PRON
aps-79	76	19	financial	financial	ADJ
aps-79	76	20	wellbeing	wellbeing	NOUN
aps-79	76	21	using	use	VERB
aps-79	76	22	a	a	DET
aps-79	76	23	robust	robust	ADJ
aps-79	76	24	and	and	CCONJ
aps-79	76	25	validated	validated	ADJ
aps-79	76	26	financial	financial	ADJ
aps-79	76	27	wellbeing	wellbee	VERB
aps-79	76	28	instrument	instrument	NOUN
aps-79	76	29	.	.	PUNCT
aps-79	77	1	the	the	DET
aps-79	77	2	2026	2026	NUM
aps-79	77	3	australian	australian	ADJ
aps-79	77	4	census	census	NOUN
aps-79	77	5	would	would	AUX
aps-79	77	6	thus	thus	ADV
aps-79	77	7	be	be	AUX
aps-79	77	8	an	an	DET
aps-79	77	9	ideal	ideal	ADJ
aps-79	77	10	opportunity	opportunity	NOUN
aps-79	77	11	to	to	PART
aps-79	77	12	collect	collect	VERB
aps-79	77	13	financial	financial	ADJ
aps-79	77	14	wellbeing	wellbee	VERB
aps-79	77	15	information	information	NOUN
aps-79	77	16	from	from	ADP
aps-79	77	17	australian	australian	ADJ
aps-79	77	18	citizens	citizen	NOUN
aps-79	77	19	,	,	PUNCT
aps-79	77	20	and	and	CCONJ
aps-79	77	21	availability	availability	NOUN
aps-79	77	22	of	of	ADP
aps-79	77	23	financial	financial	ADJ
aps-79	77	24	wellbeing	wellbee	VERB
aps-79	77	25	measures	measure	NOUN
aps-79	77	26	in	in	ADP
aps-79	77	27	a	a	DET
aps-79	77	28	national	national	ADJ
aps-79	77	29	census	census	NOUN
aps-79	77	30	would	would	AUX
aps-79	77	31	be	be	AUX
aps-79	77	32	a	a	DET
aps-79	77	33	world	world	NOUN
aps-79	77	34	first	first	ADV
aps-79	77	35	.	.	PUNCT
aps-79	78	1	given	give	VERB
aps-79	78	2	the	the	DET
aps-79	78	3	large	large	ADJ
aps-79	78	4	number	number	NOUN
aps-79	78	5	of	of	ADP
aps-79	78	6	observations	observation	NOUN
aps-79	78	7	in	in	ADP
aps-79	78	8	a	a	DET
aps-79	78	9	census	census	NOUN
aps-79	78	10	,	,	PUNCT
aps-79	78	11	detailed	detailed	ADJ
aps-79	78	12	regional	regional	ADJ
aps-79	78	13	analyses	analysis	NOUN
aps-79	78	14	will	will	AUX
aps-79	78	15	also	also	ADV
aps-79	78	16	be	be	AUX
aps-79	78	17	possible	possible	ADJ
aps-79	78	18	,	,	PUNCT
aps-79	78	19	to	to	PART
aps-79	78	20	examine	examine	VERB
aps-79	78	21	financial	financial	ADJ
aps-79	78	22	wellbeing	wellbee	VERB
aps-79	78	23	inequalities	inequality	NOUN
aps-79	78	24	even	even	ADV
aps-79	78	25	within	within	ADP
aps-79	78	26	fine	fine	ADJ
aps-79	78	27	geographical	geographical	ADJ
aps-79	78	28	areas	area	NOUN
aps-79	78	29	.	.	PUNCT
aps-79	79	1	moreover	moreover	ADV
aps-79	79	2	,	,	PUNCT
aps-79	79	3	though	though	SCONJ
aps-79	79	4	income	income	NOUN
aps-79	79	5	provides	provide	VERB
aps-79	79	6	important	important	ADJ
aps-79	79	7	information	information	NOUN
aps-79	79	8	on	on	ADP
aps-79	79	9	people	people	NOUN
aps-79	79	10	’s	’s	PART
aps-79	79	11	economic	economic	ADJ
aps-79	79	12	circumstances	circumstance	NOUN
aps-79	79	13	,	,	PUNCT
aps-79	79	14	income	income	NOUN
aps-79	79	15	is	be	AUX
aps-79	79	16	explicitly	explicitly	ADV
aps-79	79	17	not	not	PART
aps-79	79	18	synonymous	synonymous	ADJ
aps-79	79	19	with	with	ADP
aps-79	79	20	financial	financial	ADJ
aps-79	79	21	wellbeing	wellbee	VERB
aps-79	79	22	(	(	PUNCT
aps-79	79	23	e.g.	e.g.	ADV
aps-79	79	24	,	,	PUNCT
aps-79	79	25	bonke	bonke	ADJ
aps-79	79	26	and	and	CCONJ
aps-79	79	27	browning	brown	VERB
aps-79	79	28	2009	2009	NUM
aps-79	79	29	;	;	PUNCT
aps-79	79	30	brown	brown	ADJ
aps-79	79	31	and	and	CCONJ
aps-79	79	32	gray	gray	ADJ
aps-79	79	33	2016	2016	NUM
aps-79	79	34	;	;	PUNCT
aps-79	79	35	38	38	NUM
aps-79	79	36	botha	botha	PROPN
aps-79	79	37	&	&	CCONJ
aps-79	79	38	de	de	PROPN
aps-79	79	39	new	new	ADJ
aps-79	79	40	australian	australian	ADJ
aps-79	79	41	population	population	NOUN
aps-79	79	42	studies	study	NOUN
aps-79	79	43	5	5	NUM
aps-79	79	44	(	(	PUNCT
aps-79	79	45	1	1	NUM
aps-79	79	46	)	)	PUNCT
aps-79	79	47	2021	2021	NUM
aps-79	79	48	haisken	haisken	VERB
aps-79	79	49	-	-	PUNCT
aps-79	79	50	denew	denew	NOUN
aps-79	79	51	et	et	PROPN
aps-79	79	52	al	al	PROPN
aps-79	79	53	.	.	PROPN
aps-79	79	54	2018	2018	NUM
aps-79	79	55	)	)	PUNCT
aps-79	79	56	,	,	PUNCT
aps-79	79	57	and	and	CCONJ
aps-79	79	58	the	the	DET
aps-79	79	59	correlation	correlation	NOUN
aps-79	79	60	between	between	ADP
aps-79	79	61	income	income	NOUN
aps-79	79	62	and	and	CCONJ
aps-79	79	63	financial	financial	ADJ
aps-79	79	64	wellbeing	wellbeing	NOUN
aps-79	79	65	(	(	PUNCT
aps-79	79	66	using	use	VERB
aps-79	79	67	the	the	DET
aps-79	79	68	r-5	r-5	NOUN
aps-79	79	69	scale	scale	NOUN
aps-79	79	70	)	)	PUNCT
aps-79	79	71	is	be	AUX
aps-79	79	72	in	in	ADP
aps-79	79	73	the	the	DET
aps-79	79	74	range	range	NOUN
aps-79	79	75	of	of	ADP
aps-79	79	76	0.32	0.32	NUM
aps-79	79	77	to	to	ADP
aps-79	79	78	0.38	0.38	NUM
aps-79	79	79	(	(	PUNCT
aps-79	79	80	botha	botha	PROPN
aps-79	79	81	et	et	PROPN
aps-79	79	82	al	al	PROPN
aps-79	79	83	.	.	PROPN
aps-79	79	84	2020	2020	NUM
aps-79	79	85	)	)	PUNCT
aps-79	79	86	.	.	PUNCT
aps-79	80	1	according	accord	VERB
aps-79	80	2	to	to	ADP
aps-79	80	3	botha	botha	PROPN
aps-79	80	4	et	et	PROPN
aps-79	80	5	al	al	PROPN
aps-79	80	6	.	.	PROPN
aps-79	81	1	(	(	PUNCT
aps-79	81	2	2021	2021	NUM
aps-79	81	3	pp	pp	CCONJ
aps-79	81	4	.	.	PUNCT
aps-79	82	1	661662	661662	NUM
aps-79	82	2	):	):	PUNCT
aps-79	82	3	…	…	PUNCT
aps-79	82	4	financial	financial	ADJ
aps-79	82	5	wellbeing	wellbeing	NOUN
aps-79	82	6	is	be	AUX
aps-79	82	7	preferable	preferable	ADJ
aps-79	82	8	to	to	PART
aps-79	82	9	income	income	VERB
aps-79	82	10	[	[	X
aps-79	82	11	alone	alone	ADV
aps-79	82	12	]	]	PUNCT
aps-79	82	13	in	in	SCONJ
aps-79	82	14	that	that	SCONJ
aps-79	82	15	it	it	PRON
aps-79	82	16	is	be	AUX
aps-79	82	17	multi	multi	ADJ
aps-79	82	18	-	-	ADJ
aps-79	82	19	faceted	faceted	ADJ
aps-79	82	20	,	,	PUNCT
aps-79	82	21	capturing	capture	VERB
aps-79	82	22	several	several	ADJ
aps-79	82	23	dimensions	dimension	NOUN
aps-79	82	24	of	of	ADP
aps-79	82	25	individual	individual	ADJ
aps-79	82	26	financial	financial	ADJ
aps-79	82	27	enjoyment	enjoyment	NOUN
aps-79	82	28	such	such	ADJ
aps-79	82	29	as	as	ADP
aps-79	82	30	uncertainty	uncertainty	NOUN
aps-79	82	31	and	and	CCONJ
aps-79	82	32	future	future	ADJ
aps-79	82	33	-	-	PUNCT
aps-79	82	34	oriented	orient	VERB
aps-79	82	35	consumption	consumption	NOUN
aps-79	82	36	that	that	PRON
aps-79	82	37	a	a	DET
aps-79	82	38	simple	simple	ADJ
aps-79	82	39	income	income	NOUN
aps-79	82	40	measure	measure	NOUN
aps-79	82	41	can	can	AUX
aps-79	82	42	not	not	PART
aps-79	82	43	.	.	PUNCT
aps-79	83	1	it	it	PRON
aps-79	83	2	also	also	ADV
aps-79	83	3	uses	use	VERB
aps-79	83	4	several	several	ADJ
aps-79	83	5	items	item	NOUN
aps-79	83	6	across	across	ADP
aps-79	83	7	a	a	DET
aps-79	83	8	range	range	NOUN
aps-79	83	9	of	of	ADP
aps-79	83	10	outcomes	outcome	NOUN
aps-79	83	11	,	,	PUNCT
aps-79	83	12	averaging	average	VERB
aps-79	83	13	out	out	ADP
aps-79	83	14	measurement	measurement	NOUN
aps-79	83	15	error	error	NOUN
aps-79	83	16	[	[	X
aps-79	83	17	…	…	X
aps-79	83	18	]	]	X
aps-79	84	1	[	[	X
aps-79	84	2	financial	financial	ADJ
aps-79	84	3	wellbeing	wellbeing	NOUN
aps-79	84	4	]	]	PUNCT
aps-79	84	5	can	can	AUX
aps-79	84	6	be	be	AUX
aps-79	84	7	constructed	construct	VERB
aps-79	84	8	from	from	ADP
aps-79	84	9	only	only	ADV
aps-79	84	10	a	a	DET
aps-79	84	11	few	few	ADJ
aps-79	84	12	[	[	X
aps-79	84	13	inobtrusive	inobtrusive	X
aps-79	84	14	]	]	X
aps-79	84	15	questions	question	NOUN
aps-79	84	16	that	that	SCONJ
aps-79	84	17	most	most	ADJ
aps-79	84	18	survey	survey	NOUN
aps-79	84	19	respondents	respondent	NOUN
aps-79	84	20	will	will	AUX
aps-79	84	21	gladly	gladly	ADV
aps-79	84	22	answer	answer	VERB
aps-79	84	23	,	,	PUNCT
aps-79	85	1	[	[	X
aps-79	85	2	in	in	ADP
aps-79	85	3	comparison	comparison	NOUN
aps-79	85	4	to	to	ADP
aps-79	85	5	income	income	NOUN
aps-79	85	6	item	item	NOUN
aps-79	85	7	survey	survey	NOUN
aps-79	85	8	nonresponse	nonresponse	NOUN
aps-79	85	9	]	]	PUNCT
aps-79	85	10	”	"	PUNCT
aps-79	85	11	.	.	PUNCT
aps-79	86	1	addition	addition	NOUN
aps-79	86	2	of	of	ADP
aps-79	86	3	the	the	DET
aps-79	86	4	r-5	r-5	NOUN
aps-79	86	5	items	item	NOUN
aps-79	86	6	in	in	ADP
aps-79	86	7	the	the	DET
aps-79	86	8	census	census	NOUN
aps-79	86	9	would	would	AUX
aps-79	86	10	thus	thus	ADV
aps-79	86	11	provide	provide	VERB
aps-79	86	12	a	a	DET
aps-79	86	13	much	much	ADV
aps-79	86	14	broader	broad	ADJ
aps-79	86	15	insight	insight	NOUN
aps-79	86	16	into	into	ADP
aps-79	86	17	australians	australian	NOUN
aps-79	86	18	’	'	PUNCT
aps-79	86	19	financial	financial	ADJ
aps-79	86	20	lives	life	NOUN
aps-79	86	21	,	,	PUNCT
aps-79	86	22	including	include	VERB
aps-79	86	23	the	the	DET
aps-79	86	24	day	day	NOUN
aps-79	86	25	-	-	PUNCT
aps-79	86	26	to	to	ADP
aps-79	86	27	-	-	PUNCT
aps-79	86	28	day	day	NOUN
aps-79	86	29	enjoyment	enjoyment	NOUN
aps-79	86	30	of	of	ADP
aps-79	86	31	their	their	PRON
aps-79	86	32	income	income	NOUN
aps-79	86	33	,	,	PUNCT
aps-79	86	34	provision	provision	NOUN
aps-79	86	35	of	of	ADP
aps-79	86	36	adequate	adequate	ADJ
aps-79	86	37	funds	fund	NOUN
aps-79	86	38	for	for	ADP
aps-79	86	39	the	the	DET
aps-79	86	40	future	future	NOUN
aps-79	86	41	,	,	PUNCT
aps-79	86	42	and	and	CCONJ
aps-79	86	43	building	build	VERB
aps-79	86	44	resilience	resilience	NOUN
aps-79	86	45	to	to	ADP
aps-79	86	46	adverse	adverse	ADJ
aps-79	86	47	economic	economic	ADJ
aps-79	86	48	shocks	shock	NOUN
aps-79	86	49	,	,	PUNCT
aps-79	86	50	such	such	ADJ
aps-79	86	51	as	as	ADP
aps-79	86	52	sudden	sudden	ADJ
aps-79	86	53	international	international	ADJ
aps-79	86	54	trade	trade	NOUN
aps-79	86	55	disputes	dispute	NOUN
aps-79	86	56	,	,	PUNCT
aps-79	86	57	bushfires	bushfire	NOUN
aps-79	86	58	,	,	PUNCT
aps-79	86	59	pandemics	pandemic	NOUN
aps-79	86	60	,	,	PUNCT
aps-79	86	61	floods	flood	NOUN
aps-79	86	62	,	,	PUNCT
aps-79	86	63	and	and	CCONJ
aps-79	86	64	other	other	ADJ
aps-79	86	65	natural	natural	ADJ
aps-79	86	66	disasters	disaster	NOUN
aps-79	86	67	.	.	PUNCT
aps-79	87	1	the	the	DET
aps-79	87	2	types	type	NOUN
aps-79	87	3	of	of	ADP
aps-79	87	4	analyses	analysis	NOUN
aps-79	87	5	possible	possible	ADJ
aps-79	87	6	include	include	VERB
aps-79	87	7	,	,	PUNCT
aps-79	87	8	for	for	ADP
aps-79	87	9	example	example	NOUN
aps-79	87	10	:	:	PUNCT
aps-79	87	11	simple	simple	ADJ
aps-79	87	12	means	mean	NOUN
aps-79	87	13	or	or	CCONJ
aps-79	87	14	averages	average	NOUN
aps-79	87	15	,	,	PUNCT
aps-79	87	16	tracking	tracking	NOUN
aps-79	87	17	of	of	ADP
aps-79	87	18	financial	financial	ADJ
aps-79	87	19	wellbeing	wellbee	VERB
aps-79	87	20	values	value	NOUN
aps-79	87	21	at	at	ADP
aps-79	87	22	different	different	ADJ
aps-79	87	23	quantiles	quantile	NOUN
aps-79	87	24	of	of	ADP
aps-79	87	25	the	the	DET
aps-79	87	26	distribution	distribution	NOUN
aps-79	87	27	,	,	PUNCT
aps-79	87	28	calculating	calculate	VERB
aps-79	87	29	measures	measure	NOUN
aps-79	87	30	of	of	ADP
aps-79	87	31	inequality	inequality	NOUN
aps-79	87	32	based	base	VERB
aps-79	87	33	on	on	ADP
aps-79	87	34	these	these	DET
aps-79	87	35	quantile	quantile	ADJ
aps-79	87	36	values	value	NOUN
aps-79	87	37	using	use	VERB
aps-79	87	38	all	all	PRON
aps-79	87	39	of	of	ADP
aps-79	87	40	the	the	DET
aps-79	87	41	standard	standard	ADJ
aps-79	87	42	inequality	inequality	NOUN
aps-79	87	43	measures	measure	NOUN
aps-79	87	44	found	find	VERB
aps-79	87	45	in	in	ADP
aps-79	87	46	the	the	DET
aps-79	87	47	income	income	NOUN
aps-79	87	48	inequality	inequality	NOUN
aps-79	87	49	literature	literature	NOUN
aps-79	87	50	,	,	PUNCT
aps-79	87	51	and	and	CCONJ
aps-79	87	52	multivariate	multivariate	VERB
aps-79	87	53	linear	linear	ADJ
aps-79	87	54	and	and	CCONJ
aps-79	87	55	non	non	ADJ
aps-79	87	56	-	-	ADJ
aps-79	87	57	linear	linear	ADJ
aps-79	87	58	regression	regression	NOUN
aps-79	87	59	analyses	analysis	NOUN
aps-79	87	60	allowing	allow	VERB
aps-79	87	61	one	one	NUM
aps-79	87	62	to	to	PART
aps-79	87	63	control	control	VERB
aps-79	87	64	for	for	ADP
aps-79	87	65	observable	observable	ADJ
aps-79	87	66	factors	factor	NOUN
aps-79	87	67	.	.	PUNCT
aps-79	88	1	beyond	beyond	ADP
aps-79	88	2	2026	2026	NUM
aps-79	88	3	,	,	PUNCT
aps-79	88	4	inclusion	inclusion	NOUN
aps-79	88	5	of	of	ADP
aps-79	88	6	the	the	DET
aps-79	88	7	r-5	r-5	NOUN
aps-79	88	8	scale	scale	NOUN
aps-79	88	9	in	in	ADP
aps-79	88	10	future	future	ADJ
aps-79	88	11	census	census	NOUN
aps-79	88	12	rounds	round	NOUN
aps-79	88	13	would	would	AUX
aps-79	88	14	make	make	VERB
aps-79	88	15	it	it	PRON
aps-79	88	16	possible	possible	ADJ
aps-79	88	17	to	to	PART
aps-79	88	18	study	study	VERB
aps-79	88	19	changes	change	NOUN
aps-79	88	20	in	in	ADP
aps-79	88	21	financial	financial	ADJ
aps-79	88	22	wellbeing	wellbee	VERB
aps-79	88	23	across	across	ADP
aps-79	88	24	the	the	DET
aps-79	88	25	australian	australian	ADJ
aps-79	88	26	population	population	NOUN
aps-79	88	27	over	over	ADP
aps-79	88	28	time	time	NOUN
aps-79	88	29	and	and	CCONJ
aps-79	88	30	the	the	DET
aps-79	88	31	factors	factor	NOUN
aps-79	88	32	that	that	PRON
aps-79	88	33	might	might	AUX
aps-79	88	34	be	be	AUX
aps-79	88	35	driving	drive	VERB
aps-79	88	36	such	such	ADJ
aps-79	88	37	change	change	NOUN
aps-79	88	38	.	.	PUNCT
aps-79	89	1	in	in	ADP
aps-79	89	2	turn	turn	NOUN
aps-79	89	3	,	,	PUNCT
aps-79	89	4	such	such	ADJ
aps-79	89	5	analyses	analysis	NOUN
aps-79	89	6	would	would	AUX
aps-79	89	7	enable	enable	VERB
aps-79	89	8	relevant	relevant	ADJ
aps-79	89	9	stakeholders	stakeholder	NOUN
aps-79	89	10	and	and	CCONJ
aps-79	89	11	policymakers	policymaker	NOUN
aps-79	89	12	to	to	PART
aps-79	89	13	benchmark	benchmark	VERB
aps-79	89	14	the	the	DET
aps-79	89	15	effects	effect	NOUN
aps-79	89	16	of	of	ADP
aps-79	89	17	their	their	PRON
aps-79	89	18	policies	policy	NOUN
aps-79	89	19	and	and	CCONJ
aps-79	89	20	focus	focus	VERB
aps-79	89	21	on	on	ADP
aps-79	89	22	factors	factor	NOUN
aps-79	89	23	that	that	PRON
aps-79	89	24	are	be	AUX
aps-79	89	25	likely	likely	ADJ
aps-79	89	26	to	to	PART
aps-79	89	27	improve	improve	VERB
aps-79	89	28	australians	australian	NOUN
aps-79	89	29	’	'	PUNCT
aps-79	89	30	financial	financial	ADJ
aps-79	89	31	wellbeing	wellbeing	NOUN
aps-79	89	32	in	in	ADP
aps-79	89	33	the	the	DET
aps-79	89	34	long	long	ADJ
aps-79	89	35	run	run	NOUN
aps-79	89	36	,	,	PUNCT
aps-79	89	37	as	as	ADV
aps-79	89	38	well	well	ADV
aps-79	89	39	as	as	ADP
aps-79	89	40	how	how	SCONJ
aps-79	89	41	financial	financial	ADJ
aps-79	89	42	wellbeing	wellbeing	NOUN
aps-79	89	43	may	may	AUX
aps-79	89	44	impact	impact	VERB
aps-79	89	45	on	on	ADP
aps-79	89	46	other	other	ADJ
aps-79	89	47	areas	area	NOUN
aps-79	89	48	of	of	ADP
aps-79	89	49	australians	australian	NOUN
aps-79	89	50	’	'	PUNCT
aps-79	89	51	lives	life	NOUN
aps-79	89	52	.	.	PUNCT
aps-79	90	1	references	reference	NOUN
aps-79	90	2	abs	ab	NOUN
aps-79	90	3	(	(	PUNCT
aps-79	90	4	2018	2018	NUM
aps-79	90	5	)	)	PUNCT
aps-79	90	6	census	census	NOUN
aps-79	90	7	of	of	ADP
aps-79	90	8	population	population	NOUN
aps-79	90	9	and	and	CCONJ
aps-79	90	10	housing	housing	NOUN
aps-79	90	11	:	:	PUNCT
aps-79	90	12	topic	topic	NOUN
aps-79	90	13	directions	direction	NOUN
aps-79	90	14	,	,	PUNCT
aps-79	90	15	2021	2021	NUM
aps-79	90	16	.	.	PUNCT
aps-79	91	1	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/2007.0.55.001main+features12021	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/2007.0.55.001main+features12021	NOUN
aps-79	91	2	.	.	PUNCT
aps-79	92	1	accessed	access	VERB
aps-79	92	2	on	on	ADP
aps-79	92	3	8	8	NUM
aps-79	92	4	february	february	NOUN
aps-79	92	5	2021	2021	NUM
aps-79	92	6	.	.	PUNCT
aps-79	93	1	abs	ab	NOUN
aps-79	93	2	(	(	PUNCT
aps-79	93	3	2020	2020	NUM
aps-79	93	4	)	)	PUNCT
aps-79	93	5	2021	2021	NUM
aps-79	93	6	census	census	NOUN
aps-79	93	7	topics	topic	NOUN
aps-79	93	8	and	and	CCONJ
aps-79	93	9	data	datum	NOUN
aps-79	93	10	release	release	NOUN
aps-79	93	11	plan	plan	NOUN
aps-79	93	12	.	.	PUNCT
aps-79	94	1	https://www.abs.gov.au/statistics/research/2021census-topics-and-data-release-plan	https://www.abs.gov.au/statistics/research/2021census-topics-and-data-release-plan	PROPN
aps-79	94	2	.	.	PUNCT
aps-79	95	1	accessed	access	VERB
aps-79	95	2	on	on	ADP
aps-79	95	3	8	8	NUM
aps-79	95	4	february	february	NOUN
aps-79	95	5	2021	2021	NUM
aps-79	95	6	.	.	PUNCT
aps-79	96	1	bonke	bonke	PROPN
aps-79	96	2	j	j	PROPN
aps-79	96	3	and	and	CCONJ
aps-79	96	4	browning	brown	VERB
aps-79	96	5	m	m	PROPN
aps-79	96	6	(	(	PUNCT
aps-79	96	7	2009	2009	NUM
aps-79	96	8	)	)	PUNCT
aps-79	96	9	the	the	DET
aps-79	96	10	distribution	distribution	NOUN
aps-79	96	11	of	of	ADP
aps-79	96	12	financial	financial	ADJ
aps-79	96	13	well	well	NOUN
aps-79	96	14	-	-	PUNCT
aps-79	96	15	being	being	NOUN
aps-79	96	16	and	and	CCONJ
aps-79	96	17	income	income	VERB
aps-79	96	18	within	within	ADP
aps-79	96	19	the	the	DET
aps-79	96	20	household	household	NOUN
aps-79	96	21	.	.	PUNCT
aps-79	97	1	review	review	NOUN
aps-79	97	2	of	of	ADP
aps-79	97	3	economics	economic	NOUN
aps-79	97	4	of	of	ADP
aps-79	97	5	the	the	DET
aps-79	97	6	household	household	NOUN
aps-79	97	7	7(1	7(1	NUM
aps-79	97	8	):	):	PUNCT
aps-79	97	9	31	31	NUM
aps-79	97	10	-	-	SYM
aps-79	97	11	42	42	NUM
aps-79	97	12	.	.	PUNCT
aps-79	98	1	https://doi.org/10.1007/s11150-008-9044-3	https://doi.org/10.1007/s11150-008-9044-3	NOUN
aps-79	99	1	botha	botha	PROPN
aps-79	99	2	f	f	PROPN
aps-79	99	3	,	,	PUNCT
aps-79	99	4	de	de	PROPN
aps-79	99	5	new	new	PROPN
aps-79	99	6	j	j	PROPN
aps-79	99	7	p	p	X
aps-79	99	8	,	,	PUNCT
aps-79	99	9	and	and	CCONJ
aps-79	99	10	nicastro	nicastro	VERB
aps-79	99	11	n	n	CCONJ
aps-79	99	12	(	(	PUNCT
aps-79	99	13	2020	2020	NUM
aps-79	99	14	)	)	PUNCT
aps-79	99	15	developing	develop	VERB
aps-79	99	16	a	a	DET
aps-79	99	17	short	short	ADJ
aps-79	99	18	form	form	NOUN
aps-79	99	19	version	version	NOUN
aps-79	99	20	of	of	ADP
aps-79	99	21	the	the	DET
aps-79	99	22	commonwealth	commonwealth	PROPN
aps-79	99	23	bank	bank	PROPN
aps-79	99	24	–	–	PUNCT
aps-79	99	25	melbourne	melbourne	PROPN
aps-79	99	26	institute	institute	PROPN
aps-79	99	27	reported	report	VERB
aps-79	99	28	financial	financial	ADJ
aps-79	99	29	wellbeing	wellbee	VERB
aps-79	99	30	scale	scale	NOUN
aps-79	99	31	.	.	PUNCT
aps-79	100	1	commonwealth	commonwealth	PROPN
aps-79	100	2	bank	bank	PROPN
aps-79	100	3	of	of	ADP
aps-79	100	4	australia	australia	PROPN
aps-79	100	5	and	and	CCONJ
aps-79	100	6	melbourne	melbourne	PROPN
aps-79	100	7	institute	institute	PROPN
aps-79	100	8	financial	financial	ADJ
aps-79	100	9	well	well	ADV
aps-79	100	10	-	-	PUNCT
aps-79	100	11	being	being	NOUN
aps-79	100	12	scales	scale	NOUN
aps-79	100	13	technical	technical	ADJ
aps-79	100	14	report	report	NOUN
aps-79	100	15	no	no	DET
aps-79	100	16	5	5	NUM
aps-79	100	17	.	.	PUNCT
aps-79	101	1	melbourne	melbourne	PROPN
aps-79	101	2	,	,	PUNCT
aps-79	101	3	university	university	PROPN
aps-79	101	4	of	of	ADP
aps-79	101	5	melbourne	melbourne	PROPN
aps-79	101	6	.	.	PUNCT
aps-79	102	1	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mitechnical-report-no.-5.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mitechnical-report-no.-5.pdf	PROPN
aps-79	102	2	.	.	PUNCT
aps-79	103	1	botha	botha	PROPN
aps-79	103	2	f	f	PROPN
aps-79	103	3	,	,	PUNCT
aps-79	103	4	de	de	PROPN
aps-79	103	5	new	new	PROPN
aps-79	103	6	j	j	PROPN
aps-79	103	7	p	p	X
aps-79	103	8	,	,	PUNCT
aps-79	103	9	de	de	X
aps-79	103	10	new	new	ADJ
aps-79	103	11	s	s	X
aps-79	103	12	c	c	NOUN
aps-79	103	13	,	,	PUNCT
aps-79	103	14	ribar	ribar	PROPN
aps-79	103	15	dc	dc	PROPN
aps-79	103	16	,	,	PUNCT
aps-79	103	17	and	and	CCONJ
aps-79	103	18	salamanca	salamanca	PROPN
aps-79	103	19	n	n	CCONJ
aps-79	103	20	(	(	PUNCT
aps-79	103	21	2021	2021	NUM
aps-79	103	22	)	)	PUNCT
aps-79	103	23	implications	implication	NOUN
aps-79	103	24	of	of	ADP
aps-79	103	25	covid-19	covid-19	PROPN
aps-79	103	26	labour	labour	ADJ
aps-79	103	27	market	market	NOUN
aps-79	103	28	shocks	shock	VERB
aps-79	103	29	for	for	ADP
aps-79	103	30	inequality	inequality	NOUN
aps-79	103	31	in	in	ADP
aps-79	103	32	financial	financial	ADJ
aps-79	103	33	wellbeing	wellbeing	NOUN
aps-79	103	34	.	.	PUNCT
aps-79	104	1	journal	journal	NOUN
aps-79	104	2	of	of	ADP
aps-79	104	3	population	population	NOUN
aps-79	104	4	economics	economics	PROPN
aps-79	104	5	34(2	34(2	NUM
aps-79	104	6	):	):	PUNCT
aps-79	104	7	655689	655689	NUM
aps-79	104	8	.	.	PUNCT
aps-79	105	1	https://doi.org/10.1007/s00148-020-00821-2	https://doi.org/10.1007/s00148-020-00821-2	NUM
aps-79	105	2	brown	brown	PROPN
aps-79	105	3	s	s	PART
aps-79	105	4	and	and	CCONJ
aps-79	105	5	gray	gray	ADJ
aps-79	105	6	d	d	PROPN
aps-79	105	7	(	(	PUNCT
aps-79	105	8	2016	2016	NUM
aps-79	105	9	)	)	PUNCT
aps-79	105	10	household	household	NOUN
aps-79	105	11	finances	finance	NOUN
aps-79	105	12	and	and	CCONJ
aps-79	105	13	well	well	ADV
aps-79	105	14	-	-	PUNCT
aps-79	105	15	being	being	NOUN
aps-79	105	16	in	in	ADP
aps-79	105	17	australia	australia	PROPN
aps-79	105	18	:	:	PUNCT
aps-79	105	19	an	an	DET
aps-79	105	20	empirical	empirical	ADJ
aps-79	105	21	analysis	analysis	NOUN
aps-79	105	22	of	of	ADP
aps-79	105	23	comparison	comparison	NOUN
aps-79	105	24	effects	effect	NOUN
aps-79	105	25	.	.	PUNCT
aps-79	106	1	journal	journal	NOUN
aps-79	106	2	of	of	ADP
aps-79	106	3	economic	economic	ADJ
aps-79	106	4	psychology	psychology	NOUN
aps-79	106	5	53	53	NUM
aps-79	106	6	:	:	SYM
aps-79	106	7	17	17	NUM
aps-79	106	8	-	-	SYM
aps-79	106	9	36	36	NUM
aps-79	106	10	.	.	PUNCT
aps-79	107	1	https://doi.org/10.1016/j.joep.2015.12.006	https://doi.org/10.1016/j.joep.2015.12.006	ADJ
aps-79	107	2	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/2007.0.55.001main+features12021	https://www.abs.gov.au/ausstats/abs@.nsf/lookup/2007.0.55.001main+features12021	NOUN
aps-79	107	3	https://www.abs.gov.au/statistics/research/2021-census-topics-and-data-release-plan	https://www.abs.gov.au/statistics/research/2021-census-topics-and-data-release-plan	X
aps-79	107	4	https://www.abs.gov.au/statistics/research/2021-census-topics-and-data-release-plan	https://www.abs.gov.au/statistics/research/2021-census-topics-and-data-release-plan	PROPN
aps-79	107	5	https://doi.org/10.1007/s11150-008-9044-3	https://doi.org/10.1007/s11150-008-9044-3	PROPN
aps-79	107	6	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mi-technical-report-no.-5.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mi-technical-report-no.-5.pdf	PROPN
aps-79	107	7	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mi-technical-report-no.-5.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0003/3403722/cba-mi-technical-report-no.-5.pdf	PROPN
aps-79	107	8	https://doi.org/10.1007/s00148-020-00821-2	https://doi.org/10.1007/s00148-020-00821-2	PROPN
aps-79	107	9	https://doi.org/10.1016/j.joep.2015.12.006	https://doi.org/10.1016/j.joep.2015.12.006	ADJ
aps-79	107	10	australian	australian	ADJ
aps-79	107	11	population	population	NOUN
aps-79	107	12	studies	study	NOUN
aps-79	107	13	5	5	NUM
aps-79	107	14	(	(	PUNCT
aps-79	107	15	1	1	NUM
aps-79	107	16	)	)	PUNCT
aps-79	107	17	2021	2021	NUM
aps-79	107	18	botha	botha	PROPN
aps-79	107	19	&	&	CCONJ
aps-79	107	20	de	de	X
aps-79	107	21	new	new	ADJ
aps-79	107	22	39	39	NUM
aps-79	107	23	comerton	comerton	NOUN
aps-79	107	24	-	-	PUNCT
aps-79	107	25	forde	forde	PROPN
aps-79	107	26	c	c	PROPN
aps-79	107	27	,	,	PUNCT
aps-79	107	28	ip	ip	ADJ
aps-79	107	29	e	e	NOUN
aps-79	107	30	,	,	PUNCT
aps-79	107	31	ribar	ribar	PROPN
aps-79	107	32	d	d	PROPN
aps-79	107	33	c	c	PROPN
aps-79	107	34	,	,	PUNCT
aps-79	107	35	ross	ross	PROPN
aps-79	107	36	j	j	PROPN
aps-79	107	37	,	,	PUNCT
aps-79	107	38	salamanca	salamanca	PROPN
aps-79	107	39	n	n	CCONJ
aps-79	107	40	,	,	PUNCT
aps-79	107	41	and	and	CCONJ
aps-79	107	42	tsiaplias	tsiaplias	PROPN
aps-79	107	43	s	s	PART
aps-79	107	44	(	(	PUNCT
aps-79	107	45	2018	2018	NUM
aps-79	107	46	)	)	PUNCT
aps-79	107	47	using	use	VERB
aps-79	107	48	survey	survey	NOUN
aps-79	107	49	and	and	CCONJ
aps-79	107	50	banking	banking	NOUN
aps-79	107	51	data	datum	NOUN
aps-79	107	52	to	to	PART
aps-79	107	53	measure	measure	VERB
aps-79	107	54	financial	financial	ADJ
aps-79	107	55	wellbeing	wellbeing	NOUN
aps-79	107	56	.	.	PUNCT
aps-79	108	1	commonwealth	commonwealth	PROPN
aps-79	108	2	bank	bank	PROPN
aps-79	108	3	of	of	ADP
aps-79	108	4	australia	australia	PROPN
aps-79	108	5	and	and	CCONJ
aps-79	108	6	melbourne	melbourne	PROPN
aps-79	108	7	institute	institute	PROPN
aps-79	108	8	financial	financial	ADJ
aps-79	108	9	well	well	ADV
aps-79	108	10	-	-	PUNCT
aps-79	108	11	being	being	NOUN
aps-79	108	12	scales	scale	NOUN
aps-79	108	13	technical	technical	ADJ
aps-79	108	14	report	report	NOUN
aps-79	108	15	no	no	DET
aps-79	108	16	1	1	NUM
aps-79	108	17	.	.	PUNCT
aps-79	109	1	melbourne	melbourne	PROPN
aps-79	109	2	,	,	PUNCT
aps-79	109	3	university	university	PROPN
aps-79	109	4	of	of	ADP
aps-79	109	5	melbourne	melbourne	PROPN
aps-79	109	6	.	.	PUNCT
aps-79	110	1	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2839429/cba_mi_tech_report_no_1	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2839429/cba_mi_tech_report_no_1	PROPN
aps-79	110	2	.	.	PUNCT
aps-79	110	3	pdf	pdf	PROPN
aps-79	110	4	.	.	PUNCT
aps-79	111	1	comerton	comerton	PROPN
aps-79	111	2	-	-	PUNCT
aps-79	111	3	forde	forde	PROPN
aps-79	111	4	c	c	PROPN
aps-79	111	5	,	,	PUNCT
aps-79	111	6	de	de	X
aps-79	111	7	new	new	PROPN
aps-79	111	8	j	j	PROPN
aps-79	111	9	p	p	PROPN
aps-79	111	10	,	,	PUNCT
aps-79	111	11	salamanca	salamanca	PROPN
aps-79	111	12	n	n	CCONJ
aps-79	111	13	,	,	PUNCT
aps-79	111	14	ribar	ribar	PROPN
aps-79	111	15	d	d	PROPN
aps-79	111	16	c	c	PROPN
aps-79	111	17	,	,	PUNCT
aps-79	111	18	nicastro	nicastro	VERB
aps-79	111	19	a	a	PRON
aps-79	111	20	,	,	PUNCT
aps-79	111	21	and	and	CCONJ
aps-79	111	22	ross	ross	PROPN
aps-79	111	23	j	j	PROPN
aps-79	111	24	(	(	PUNCT
aps-79	111	25	2020	2020	NUM
aps-79	111	26	)	)	PUNCT
aps-79	111	27	measuring	measure	VERB
aps-79	111	28	financial	financial	ADJ
aps-79	111	29	wellbeing	wellbee	VERB
aps-79	111	30	with	with	ADP
aps-79	111	31	self	self	NOUN
aps-79	111	32	-	-	PUNCT
aps-79	111	33	reported	report	VERB
aps-79	111	34	and	and	CCONJ
aps-79	111	35	bank	bank	NOUN
aps-79	111	36	-	-	PUNCT
aps-79	111	37	record	record	NOUN
aps-79	111	38	data	datum	NOUN
aps-79	111	39	.	.	PUNCT
aps-79	112	1	melbourne	melbourne	PROPN
aps-79	112	2	institute	institute	PROPN
aps-79	112	3	working	working	PROPN
aps-79	112	4	paper	paper	PROPN
aps-79	112	5	no	no	INTJ
aps-79	112	6	.	.	PUNCT
aps-79	113	1	26/20	26/20	NUM
aps-79	113	2	.	.	PUNCT
aps-79	114	1	melbourne	melbourne	PROPN
aps-79	114	2	institute	institute	PROPN
aps-79	114	3	:	:	PUNCT
aps-79	114	4	applied	apply	VERB
aps-79	114	5	economic	economic	ADJ
aps-79	114	6	&	&	CCONJ
aps-79	114	7	social	social	ADJ
aps-79	114	8	research	research	NOUN
aps-79	114	9	,	,	PUNCT
aps-79	114	10	university	university	NOUN
aps-79	114	11	of	of	ADP
aps-79	114	12	melbourne	melbourne	PROPN
aps-79	114	13	.	.	PUNCT
aps-79	115	1	https://melbourneinstitute.unimelb.edu.au/publications/workingpapers/search/result?paper=3547050	https://melbourneinstitute.unimelb.edu.au/publications/workingpapers/search/result?paper=3547050	PROPN
aps-79	115	2	.	.	PUNCT
aps-79	116	1	consumer	consumer	NOUN
aps-79	116	2	financial	financial	PROPN
aps-79	116	3	protection	protection	PROPN
aps-79	116	4	bureau	bureau	PROPN
aps-79	116	5	(	(	PUNCT
aps-79	116	6	cfpb	cfpb	NOUN
aps-79	116	7	)	)	PUNCT
aps-79	116	8	(	(	PUNCT
aps-79	116	9	2017	2017	NUM
aps-79	116	10	)	)	PUNCT
aps-79	116	11	cfpb	cfpb	NOUN
aps-79	116	12	financial	financial	ADJ
aps-79	116	13	well	well	ADV
aps-79	116	14	-	-	PUNCT
aps-79	116	15	being	being	NOUN
aps-79	116	16	scale	scale	NOUN
aps-79	116	17	.	.	PUNCT
aps-79	117	1	scale	scale	NOUN
aps-79	117	2	development	development	PROPN
aps-79	117	3	technical	technical	PROPN
aps-79	117	4	report	report	PROPN
aps-79	117	5	,	,	PUNCT
aps-79	117	6	washington	washington	PROPN
aps-79	117	7	dc	dc	PROPN
aps-79	117	8	,	,	PUNCT
aps-79	117	9	cfpb	cfpb	NOUN
aps-79	117	10	.	.	PUNCT
aps-79	118	1	haisken	haisken	VERB
aps-79	118	2	-	-	PUNCT
aps-79	118	3	denew	denew	PROPN
aps-79	118	4	j	j	PROPN
aps-79	118	5	p	p	PROPN
aps-79	118	6	,	,	PUNCT
aps-79	118	7	ribar	ribar	PROPN
aps-79	118	8	d	d	PROPN
aps-79	118	9	c	c	PROPN
aps-79	118	10	,	,	PUNCT
aps-79	118	11	salamanca	salamanca	PROPN
aps-79	118	12	n	n	CCONJ
aps-79	118	13	,	,	PUNCT
aps-79	118	14	and	and	CCONJ
aps-79	118	15	nicastro	nicastro	VERB
aps-79	118	16	a	a	DET
aps-79	118	17	(	(	PUNCT
aps-79	118	18	2018	2018	NUM
aps-79	118	19	)	)	PUNCT
aps-79	118	20	using	use	VERB
aps-79	118	21	survey	survey	NOUN
aps-79	118	22	and	and	CCONJ
aps-79	118	23	banking	banking	NOUN
aps-79	118	24	data	datum	NOUN
aps-79	118	25	to	to	PART
aps-79	118	26	understand	understand	VERB
aps-79	118	27	australians	australian	NOUN
aps-79	118	28	’	'	PUNCT
aps-79	118	29	financial	financial	ADJ
aps-79	118	30	wellbeing	wellbeing	NOUN
aps-79	118	31	.	.	PUNCT
aps-79	119	1	commonwealth	commonwealth	PROPN
aps-79	119	2	bank	bank	PROPN
aps-79	119	3	of	of	ADP
aps-79	119	4	australia	australia	PROPN
aps-79	119	5	and	and	CCONJ
aps-79	119	6	melbourne	melbourne	PROPN
aps-79	119	7	institute	institute	PROPN
aps-79	119	8	financial	financial	ADJ
aps-79	119	9	wellbeing	wellbeing	NOUN
aps-79	119	10	scales	scale	NOUN
aps-79	119	11	technical	technical	ADJ
aps-79	119	12	report	report	NOUN
aps-79	119	13	no	no	INTJ
aps-79	119	14	.	.	NOUN
aps-79	120	1	2	2	NUM
aps-79	120	2	.	.	X
aps-79	120	3	melbourne	melbourne	PROPN
aps-79	120	4	,	,	PUNCT
aps-79	120	5	university	university	PROPN
aps-79	120	6	of	of	ADP
aps-79	120	7	melbourne	melbourne	PROPN
aps-79	120	8	.	.	PUNCT
aps-79	121	1	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2836324/cba_mi_tech_report_no_2	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2836324/cba_mi_tech_report_no_2	PROPN
aps-79	121	2	.	.	PUNCT
aps-79	121	3	pdf	pdf	PROPN
aps-79	121	4	.	.	PUNCT
aps-79	122	1	haisken	haisken	VERB
aps-79	122	2	-	-	PUNCT
aps-79	122	3	denew	denew	PROPN
aps-79	122	4	j	j	PROPN
aps-79	122	5	p	p	PROPN
aps-79	122	6	,	,	PUNCT
aps-79	122	7	ribar	ribar	PROPN
aps-79	122	8	d	d	PROPN
aps-79	122	9	c	c	PROPN
aps-79	122	10	,	,	PUNCT
aps-79	122	11	salamanca	salamanca	PROPN
aps-79	122	12	n	n	CCONJ
aps-79	122	13	,	,	PUNCT
aps-79	122	14	nicastro	nicastro	VERB
aps-79	122	15	a	a	PRON
aps-79	122	16	,	,	PUNCT
aps-79	122	17	and	and	CCONJ
aps-79	122	18	ross	ross	PROPN
aps-79	122	19	j	j	PROPN
aps-79	122	20	(	(	PUNCT
aps-79	122	21	2019	2019	NUM
aps-79	122	22	)	)	PUNCT
aps-79	122	23	improving	improve	VERB
aps-79	122	24	the	the	DET
aps-79	122	25	commonwealth	commonwealth	PROPN
aps-79	122	26	bank	bank	PROPN
aps-79	122	27	of	of	ADP
aps-79	122	28	australia	australia	PROPN
aps-79	122	29	–	–	PUNCT
aps-79	122	30	melbourne	melbourne	PROPN
aps-79	122	31	institute	institute	NOUN
aps-79	122	32	observed	observe	VERB
aps-79	122	33	financial	financial	ADJ
aps-79	122	34	wellbeing	wellbee	VERB
aps-79	122	35	scale	scale	NOUN
aps-79	122	36	.	.	PUNCT
aps-79	123	1	commonwealth	commonwealth	PROPN
aps-79	123	2	bank	bank	PROPN
aps-79	123	3	of	of	ADP
aps-79	123	4	australia	australia	PROPN
aps-79	123	5	and	and	CCONJ
aps-79	123	6	melbourne	melbourne	PROPN
aps-79	123	7	institute	institute	PROPN
aps-79	123	8	financial	financial	ADJ
aps-79	123	9	wellbeing	wellbeing	NOUN
aps-79	123	10	scales	scale	NOUN
aps-79	123	11	technical	technical	ADJ
aps-79	123	12	report	report	NOUN
aps-79	123	13	no	no	INTJ
aps-79	123	14	.	.	NOUN
aps-79	124	1	3	3	X
aps-79	124	2	.	.	X
aps-79	124	3	melbourne	melbourne	PROPN
aps-79	124	4	,	,	PUNCT
aps-79	124	5	university	university	PROPN
aps-79	124	6	of	of	ADP
aps-79	124	7	melbourne	melbourne	PROPN
aps-79	124	8	.	.	PUNCT
aps-79	125	1	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3	PROPN
aps-79	125	2	.	.	PUNCT
aps-79	125	3	pdf	pdf	NOUN
aps-79	125	4	.	.	PUNCT
aps-79	126	1	kearns	kearns	PROPN
aps-79	126	2	j	j	PROPN
aps-79	126	3	,	,	PUNCT
aps-79	126	4	major	major	ADJ
aps-79	126	5	m	m	PROPN
aps-79	126	6	,	,	PUNCT
aps-79	126	7	norman	norman	PROPN
aps-79	126	8	d	d	PROPN
aps-79	126	9	(	(	PUNCT
aps-79	126	10	2020	2020	NUM
aps-79	126	11	)	)	PUNCT
aps-79	126	12	how	how	SCONJ
aps-79	126	13	risky	risky	ADJ
aps-79	126	14	is	be	AUX
aps-79	126	15	australian	australian	ADJ
aps-79	126	16	household	household	NOUN
aps-79	126	17	debt	debt	NOUN
aps-79	126	18	?	?	PUNCT
aps-79	127	1	reserve	reserve	PROPN
aps-79	127	2	bank	bank	PROPN
aps-79	127	3	of	of	ADP
aps-79	127	4	australia	australia	PROPN
aps-79	127	5	research	research	NOUN
aps-79	127	6	paper	paper	NOUN
aps-79	127	7	rdp	rdp	PROPN
aps-79	127	8	2020	2020	NUM
aps-79	127	9	-	-	SYM
aps-79	127	10	05	05	NUM
aps-79	127	11	,	,	PUNCT
aps-79	127	12	reserve	reserve	PROPN
aps-79	127	13	bank	bank	PROPN
aps-79	127	14	of	of	ADP
aps-79	127	15	australia	australia	PROPN
aps-79	127	16	.	.	PUNCT
aps-79	128	1	https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf	https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf	PROPN
aps-79	128	2	.	.	PUNCT
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aps-79	129	2	k	k	PROPN
aps-79	129	3	,	,	PUNCT
aps-79	129	4	hamilton	hamilton	PROPN
aps-79	129	5	m	m	PROPN
aps-79	129	6	,	,	PUNCT
aps-79	129	7	noone	noone	PROPN
aps-79	129	8	j	j	PROPN
aps-79	129	9	,	,	PUNCT
aps-79	129	10	marjolin	marjolin	PROPN
aps-79	129	11	a	a	PRON
aps-79	129	12	,	,	PUNCT
aps-79	129	13	salignac	salignac	ADJ
aps-79	129	14	f	f	NOUN
aps-79	129	15	,	,	PUNCT
aps-79	129	16	and	and	CCONJ
aps-79	129	17	saunders	saunders	PROPN
aps-79	129	18	p	p	PROPN
aps-79	129	19	(	(	PUNCT
aps-79	129	20	2017	2017	NUM
aps-79	129	21	)	)	PUNCT
aps-79	129	22	exploring	explore	VERB
aps-79	129	23	financial	financial	ADJ
aps-79	129	24	wellbeing	wellbeing	NOUN
aps-79	129	25	in	in	ADP
aps-79	129	26	the	the	DET
aps-79	129	27	australian	australian	ADJ
aps-79	129	28	context	context	NOUN
aps-79	129	29	.	.	PUNCT
aps-79	130	1	report	report	NOUN
aps-79	130	2	for	for	ADP
aps-79	130	3	financial	financial	ADJ
aps-79	130	4	literacy	literacy	NOUN
aps-79	130	5	australia	australia	PROPN
aps-79	130	6	,	,	PUNCT
aps-79	130	7	centre	centre	NOUN
aps-79	130	8	for	for	ADP
aps-79	130	9	social	social	ADJ
aps-79	130	10	impact	impact	NOUN
aps-79	130	11	&	&	CCONJ
aps-79	130	12	social	social	ADJ
aps-79	130	13	policy	policy	NOUN
aps-79	130	14	research	research	NOUN
aps-79	130	15	centre	centre	NOUN
aps-79	130	16	,	,	PUNCT
aps-79	130	17	sydney	sydney	PROPN
aps-79	130	18	,	,	PUNCT
aps-79	130	19	university	university	NOUN
aps-79	130	20	of	of	ADP
aps-79	130	21	new	new	ADJ
aps-79	130	22	south	south	PROPN
aps-79	130	23	wales	wales	PROPN
aps-79	130	24	.	.	PUNCT
aps-79	131	1	netemeyer	netemeyer	NOUN
aps-79	131	2	r	r	NOUN
aps-79	131	3	g	g	PROPN
aps-79	131	4	,	,	PUNCT
aps-79	131	5	warmath	warmath	NOUN
aps-79	131	6	d	d	PROPN
aps-79	131	7	,	,	PUNCT
aps-79	131	8	fernandes	fernandes	PROPN
aps-79	131	9	d	d	PROPN
aps-79	131	10	,	,	PUNCT
aps-79	131	11	and	and	CCONJ
aps-79	131	12	lynch	lynch	PROPN
aps-79	131	13	j	j	PROPN
aps-79	131	14	g	g	PROPN
aps-79	131	15	(	(	PUNCT
aps-79	131	16	2018	2018	NUM
aps-79	131	17	)	)	PUNCT
aps-79	131	18	how	how	SCONJ
aps-79	131	19	am	be	AUX
aps-79	131	20	i	i	PRON
aps-79	131	21	doing	do	VERB
aps-79	131	22	?	?	PUNCT
aps-79	132	1	perceived	perceive	VERB
aps-79	132	2	financial	financial	ADJ
aps-79	132	3	wellbeing	wellbeing	NOUN
aps-79	132	4	,	,	PUNCT
aps-79	132	5	its	its	PRON
aps-79	132	6	potential	potential	ADJ
aps-79	132	7	antecedents	antecedent	NOUN
aps-79	132	8	,	,	PUNCT
aps-79	132	9	and	and	CCONJ
aps-79	132	10	its	its	PRON
aps-79	132	11	relation	relation	NOUN
aps-79	132	12	to	to	ADP
aps-79	132	13	overall	overall	ADJ
aps-79	132	14	well	well	ADV
aps-79	132	15	-	-	PUNCT
aps-79	132	16	being	being	NOUN
aps-79	132	17	.	.	PUNCT
aps-79	133	1	journal	journal	PROPN
aps-79	133	2	of	of	ADP
aps-79	133	3	consumer	consumer	NOUN
aps-79	133	4	research	research	NOUN
aps-79	133	5	45	45	NUM
aps-79	133	6	:	:	SYM
aps-79	133	7	68	68	NUM
aps-79	133	8	-	-	SYM
aps-79	133	9	89	89	NUM
aps-79	133	10	.	.	PUNCT
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aps-79	134	5	https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=3547050	https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=3547050	PROPN
aps-79	134	6	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2836324/cba_mi_tech_report_no_2.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0010/2836324/cba_mi_tech_report_no_2.pdf	PROPN
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aps-79	134	8	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3.pdf	PROPN
aps-79	134	9	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3.pdf	https://fbe.unimelb.edu.au/__data/assets/pdf_file/0009/3045708/cba_mi_tech_report_no_3.pdf	X
aps-79	134	10	https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf	https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf	NOUN
aps-79	134	11	https://doi.org/10.1093/jcr/ucx109	https://doi.org/10.1093/jcr/ucx109	PROPN