id	sid	tid	token	lemma	pos
ctmj-30	1	1	issn	issn	PROPN
ctmj-30	1	2	:	:	PUNCT
ctmj-30	1	3	2693	2693	NUM
ctmj-30	1	4	6356	6356	NUM
ctmj-30	1	5	2019	2019	NUM
ctmj-30	1	6	|	|	ADV
ctmj-30	1	7	vol	vol	NOUN
ctmj-30	1	8	2	2	NUM
ctmj-30	1	9	|	|	NOUN
ctmj-30	1	10	issue	issue	VERB
ctmj-30	1	11	2	2	NUM
ctmj-30	1	12	an	an	DET
ctmj-30	1	13	analysis	analysis	NOUN
ctmj-30	1	14	of	of	ADP
ctmj-30	1	15	pre	pre	ADJ
ctmj-30	1	16	-	-	ADJ
ctmj-30	1	17	screening	screen	VERB
ctmj-30	1	18	's	's	PART
ctmj-30	1	19	impact	impact	NOUN
ctmj-30	1	20	on	on	ADP
ctmj-30	1	21	cyber	cyber	NOUN
ctmj-30	1	22	insurance	insurance	NOUN
ctmj-30	1	23	policies	policy	NOUN
ctmj-30	1	24	and	and	CCONJ
ctmj-30	1	25	the	the	DET
ctmj-30	1	26	role	role	NOUN
ctmj-30	1	27	of	of	ADP
ctmj-30	1	28	security	security	NOUN
ctmj-30	1	29	dependence	dependence	NOUN
ctmj-30	1	30	g.anusha	g.anusha	VERB
ctmj-30	1	31	1	1	NUM
ctmj-30	1	32	,	,	PUNCT
ctmj-30	1	33	p.ramesh	p.ramesh	ADJ
ctmj-30	1	34	babu	babu	PROPN
ctmj-30	1	35	2	2	NUM
ctmj-30	1	36	1	1	NUM
ctmj-30	1	37	m.c.a	m.c.a	NOUN
ctmj-30	1	38	student	student	NOUN
ctmj-30	1	39	,	,	PUNCT
ctmj-30	1	40	dept	dept	NOUN
ctmj-30	1	41	of	of	ADP
ctmj-30	1	42	m.c.a	m.c.a	PROPN
ctmj-30	1	43	,	,	PUNCT
ctmj-30	1	44	amrita	amrita	PROPN
ctmj-30	1	45	sai	sai	PROPN
ctmj-30	1	46	institute	institute	PROPN
ctmj-30	1	47	of	of	ADP
ctmj-30	1	48	science	science	PROPN
ctmj-30	1	49	&	&	CCONJ
ctmj-30	1	50	technology	technology	PROPN
ctmj-30	1	51	,	,	PUNCT
ctmj-30	1	52	paritala	paritala	PROPN
ctmj-30	1	53	,	,	PUNCT
ctmj-30	1	54	a.p	a.p	PROPN
ctmj-30	1	55	.	.	PROPN
ctmj-30	1	56	,	,	PUNCT
ctmj-30	1	57	india	india	PROPN
ctmj-30	1	58	2	2	NUM
ctmj-30	1	59	associate	associate	NOUN
ctmj-30	1	60	professor	professor	NOUN
ctmj-30	1	61	,	,	PUNCT
ctmj-30	1	62	dept	dept	NOUN
ctmj-30	1	63	of	of	ADP
ctmj-30	1	64	cse	cse	PROPN
ctmj-30	1	65	,	,	PUNCT
ctmj-30	1	66	amrita	amrita	PROPN
ctmj-30	1	67	sai	sai	PROPN
ctmj-30	1	68	institute	institute	PROPN
ctmj-30	1	69	of	of	ADP
ctmj-30	1	70	science	science	PROPN
ctmj-30	1	71	&	&	CCONJ
ctmj-30	1	72	technology	technology	PROPN
ctmj-30	1	73	,	,	PUNCT
ctmj-30	1	74	paritala	paritala	PROPN
ctmj-30	1	75	,	,	PUNCT
ctmj-30	1	76	a.p	a.p	PROPN
ctmj-30	1	77	.	.	PROPN
ctmj-30	1	78	,	,	PUNCT
ctmj-30	1	79	india	india	PROPN
ctmj-30	1	80	abstract	abstract	PROPN
ctmj-30	1	81	insuring	insure	VERB
ctmj-30	1	82	against	against	ADP
ctmj-30	1	83	cyber	cyber	NOUN
ctmj-30	1	84	attacks	attack	NOUN
ctmj-30	1	85	is	be	AUX
ctmj-30	1	86	a	a	DET
ctmj-30	1	87	practical	practical	ADJ
ctmj-30	1	88	solution	solution	NOUN
ctmj-30	1	89	for	for	ADP
ctmj-30	1	90	transferring	transfer	VERB
ctmj-30	1	91	risk	risk	NOUN
ctmj-30	1	92	.	.	PUNCT
ctmj-30	2	1	however	however	ADV
ctmj-30	2	2	,	,	PUNCT
ctmj-30	2	3	it	it	PRON
ctmj-30	2	4	has	have	AUX
ctmj-30	2	5	been	be	AUX
ctmj-30	2	6	shown	show	VERB
ctmj-30	2	7	that	that	SCONJ
ctmj-30	2	8	the	the	DET
ctmj-30	2	9	condition	condition	NOUN
ctmj-30	2	10	of	of	ADP
ctmj-30	2	11	network	network	NOUN
ctmj-30	2	12	security	security	NOUN
ctmj-30	2	13	may	may	AUX
ctmj-30	2	14	or	or	CCONJ
ctmj-30	2	15	may	may	AUX
ctmj-30	2	16	not	not	PART
ctmj-30	2	17	improve	improve	VERB
ctmj-30	2	18	,	,	PUNCT
ctmj-30	2	19	depending	depend	VERB
ctmj-30	2	20	on	on	ADP
ctmj-30	2	21	the	the	DET
ctmj-30	2	22	characteristics	characteristic	NOUN
ctmj-30	2	23	of	of	ADP
ctmj-30	2	24	the	the	DET
ctmj-30	2	25	underlying	underlie	VERB
ctmj-30	2	26	environment	environment	NOUN
ctmj-30	2	27	.	.	PUNCT
ctmj-30	3	1	in	in	ADP
ctmj-30	3	2	this	this	DET
ctmj-30	3	3	study	study	NOUN
ctmj-30	3	4	,	,	PUNCT
ctmj-30	3	5	we	we	PRON
ctmj-30	3	6	focus	focus	VERB
ctmj-30	3	7	on	on	ADP
ctmj-30	3	8	a	a	DET
ctmj-30	3	9	single	single	ADJ
ctmj-30	3	10	,	,	PUNCT
ctmj-30	3	11	profit	profit	NOUN
ctmj-30	3	12	-	-	PUNCT
ctmj-30	3	13	maximizing	maximize	VERB
ctmj-30	3	14	insurer	insurer	NOUN
ctmj-30	3	15	(	(	PUNCT
ctmj-30	3	16	principal	principal	NOUN
ctmj-30	3	17	)	)	PUNCT
ctmj-30	3	18	working	work	VERB
ctmj-30	3	19	with	with	ADP
ctmj-30	3	20	insureds	insured	NOUN
ctmj-30	3	21	/	/	SYM
ctmj-30	3	22	clients	client	NOUN
ctmj-30	3	23	(	(	PUNCT
ctmj-30	3	24	agents	agent	NOUN
ctmj-30	3	25	)	)	PUNCT
ctmj-30	3	26	who	who	PRON
ctmj-30	3	27	are	be	AUX
ctmj-30	3	28	providing	provide	VERB
ctmj-30	3	29	their	their	PRON
ctmj-30	3	30	services	service	NOUN
ctmj-30	3	31	willingly	willingly	ADV
ctmj-30	3	32	.	.	PUNCT
ctmj-30	4	1	we	we	PRON
ctmj-30	4	2	focus	focus	VERB
ctmj-30	4	3	on	on	ADP
ctmj-30	4	4	two	two	NUM
ctmj-30	4	5	specific	specific	ADJ
ctmj-30	4	6	aspects	aspect	NOUN
ctmj-30	4	7	of	of	ADP
ctmj-30	4	8	cyber	cyber	ADJ
ctmj-30	4	9	security	security	NOUN
ctmj-30	4	10	and	and	CCONJ
ctmj-30	4	11	how	how	SCONJ
ctmj-30	4	12	they	they	PRON
ctmj-30	4	13	affect	affect	VERB
ctmj-30	4	14	the	the	DET
ctmj-30	4	15	contract	contract	NOUN
ctmj-30	4	16	design	design	NOUN
ctmj-30	4	17	issue	issue	NOUN
ctmj-30	4	18	.	.	PUNCT
ctmj-30	5	1	the	the	DET
ctmj-30	5	2	first	first	ADJ
ctmj-30	5	3	is	be	AUX
ctmj-30	5	4	that	that	SCONJ
ctmj-30	5	5	cyber	cyber	ADJ
ctmj-30	5	6	security	security	NOUN
ctmj-30	5	7	is	be	AUX
ctmj-30	5	8	inherently	inherently	ADV
ctmj-30	5	9	reliant	reliant	ADJ
ctmj-30	5	10	on	on	ADP
ctmj-30	5	11	the	the	DET
ctmj-30	5	12	actions	action	NOUN
ctmj-30	5	13	of	of	ADP
ctmj-30	5	14	other	other	ADJ
ctmj-30	5	15	entities	entity	NOUN
ctmj-30	5	16	within	within	ADP
ctmj-30	5	17	the	the	DET
ctmj-30	5	18	same	same	ADJ
ctmj-30	5	19	ecosystem	ecosystem	NOUN
ctmj-30	5	20	(	(	PUNCT
ctmj-30	5	21	i.e.	i.e.	X
ctmj-30	5	22	externalities	externality	NOUN
ctmj-30	5	23	)	)	PUNCT
ctmj-30	5	24	,	,	PUNCT
ctmj-30	5	25	making	make	VERB
ctmj-30	5	26	it	it	PRON
ctmj-30	5	27	difficult	difficult	ADJ
ctmj-30	5	28	for	for	ADP
ctmj-30	5	29	any	any	DET
ctmj-30	5	30	one	one	NUM
ctmj-30	5	31	institution	institution	NOUN
ctmj-30	5	32	to	to	PART
ctmj-30	5	33	ensure	ensure	VERB
ctmj-30	5	34	its	its	PRON
ctmj-30	5	35	own	own	ADJ
ctmj-30	5	36	security	security	NOUN
ctmj-30	5	37	in	in	ADP
ctmj-30	5	38	isolation	isolation	NOUN
ctmj-30	5	39	.	.	PUNCT
ctmj-30	6	1	the	the	DET
ctmj-30	6	2	second	second	ADJ
ctmj-30	6	3	is	be	AUX
ctmj-30	6	4	that	that	SCONJ
ctmj-30	6	5	we	we	PRON
ctmj-30	6	6	can	can	AUX
ctmj-30	6	7	now	now	ADV
ctmj-30	6	8	conduct	conduct	VERB
ctmj-30	6	9	precise	precise	ADJ
ctmj-30	6	10	quantitative	quantitative	ADJ
ctmj-30	6	11	evaluations	evaluation	NOUN
ctmj-30	6	12	of	of	ADP
ctmj-30	6	13	an	an	DET
ctmj-30	6	14	organization	organization	NOUN
ctmj-30	6	15	's	's	PART
ctmj-30	6	16	security	security	NOUN
ctmj-30	6	17	posture	posture	NOUN
ctmj-30	6	18	thanks	thank	NOUN
ctmj-30	6	19	to	to	ADP
ctmj-30	6	20	recent	recent	ADJ
ctmj-30	6	21	developments	development	NOUN
ctmj-30	6	22	in	in	ADP
ctmj-30	6	23	internet	internet	NOUN
ctmj-30	6	24	measurement	measurement	NOUN
ctmj-30	6	25	and	and	CCONJ
ctmj-30	6	26	the	the	DET
ctmj-30	6	27	use	use	NOUN
ctmj-30	6	28	of	of	ADP
ctmj-30	6	29	machine	machine	NOUN
ctmj-30	6	30	learning	learning	NOUN
ctmj-30	6	31	methods	method	NOUN
ctmj-30	6	32	.	.	PUNCT
ctmj-30	7	1	it	it	PRON
ctmj-30	7	2	may	may	AUX
ctmj-30	7	3	be	be	AUX
ctmj-30	7	4	used	use	VERB
ctmj-30	7	5	to	to	PART
ctmj-30	7	6	conduct	conduct	VERB
ctmj-30	7	7	preliminary	preliminary	ADJ
ctmj-30	7	8	security	security	NOUN
ctmj-30	7	9	checks	check	NOUN
ctmj-30	7	10	on	on	ADP
ctmj-30	7	11	potential	potential	ADJ
ctmj-30	7	12	customers	customer	NOUN
ctmj-30	7	13	,	,	PUNCT
ctmj-30	7	14	sometimes	sometimes	ADV
ctmj-30	7	15	known	know	VERB
ctmj-30	7	16	as	as	ADP
ctmj-30	7	17	"	"	PUNCT
ctmj-30	7	18	prescreening	prescreening	NOUN
ctmj-30	7	19	,	,	PUNCT
ctmj-30	7	20	"	"	PUNCT
ctmj-30	7	21	to	to	PART
ctmj-30	7	22	facilitate	facilitate	VERB
ctmj-30	7	23	premium	premium	ADJ
ctmj-30	7	24	differentiation	differentiation	NOUN
ctmj-30	7	25	and	and	CCONJ
ctmj-30	7	26	the	the	DET
ctmj-30	7	27	creation	creation	NOUN
ctmj-30	7	28	of	of	ADP
ctmj-30	7	29	tailored	tailor	VERB
ctmj-30	7	30	policies	policy	NOUN
ctmj-30	7	31	.	.	PUNCT
ctmj-30	8	1	we	we	PRON
ctmj-30	8	2	show	show	VERB
ctmj-30	8	3	that	that	SCONJ
ctmj-30	8	4	the	the	DET
ctmj-30	8	5	inefficient	inefficient	ADJ
ctmj-30	8	6	effort	effort	NOUN
ctmj-30	8	7	levels	level	NOUN
ctmj-30	8	8	of	of	ADP
ctmj-30	8	9	interdependent	interdependent	ADJ
ctmj-30	8	10	agents	agent	NOUN
ctmj-30	8	11	who	who	PRON
ctmj-30	8	12	do	do	AUX
ctmj-30	8	13	not	not	PART
ctmj-30	8	14	account	account	VERB
ctmj-30	8	15	for	for	ADP
ctmj-30	8	16	the	the	DET
ctmj-30	8	17	risk	risk	NOUN
ctmj-30	8	18	externalities	externality	NOUN
ctmj-30	8	19	when	when	SCONJ
ctmj-30	8	20	insurance	insurance	NOUN
ctmj-30	8	21	is	be	AUX
ctmj-30	8	22	not	not	PART
ctmj-30	8	23	available	available	ADJ
ctmj-30	8	24	create	create	VERB
ctmj-30	8	25	a	a	DET
ctmj-30	8	26	"	"	PUNCT
ctmj-30	8	27	profit	profit	NOUN
ctmj-30	8	28	opportunity	opportunity	NOUN
ctmj-30	8	29	"	"	PUNCT
ctmj-30	8	30	for	for	ADP
ctmj-30	8	31	the	the	DET
ctmj-30	8	32	insurer	insurer	NOUN
ctmj-30	8	33	,	,	PUNCT
ctmj-30	8	34	in	in	ADP
ctmj-30	8	35	addition	addition	NOUN
ctmj-30	8	36	to	to	ADP
ctmj-30	8	37	the	the	DET
ctmj-30	8	38	usual	usual	ADJ
ctmj-30	8	39	profit	profit	NOUN
ctmj-30	8	40	that	that	PRON
ctmj-30	8	41	an	an	DET
ctmj-30	8	42	insurer	insurer	NOUN
ctmj-30	8	43	makes	make	VERB
ctmj-30	8	44	from	from	ADP
ctmj-30	8	45	risk	risk	NOUN
ctmj-30	8	46	transfer	transfer	NOUN
ctmj-30	8	47	.	.	PUNCT
ctmj-30	9	1	the	the	DET
ctmj-30	9	2	insurer	insurer	NOUN
ctmj-30	9	3	can	can	AUX
ctmj-30	9	4	"	"	PUNCT
ctmj-30	9	5	sell	sell	VERB
ctmj-30	9	6	commitment	commitment	NOUN
ctmj-30	9	7	"	"	PUNCT
ctmj-30	9	8	to	to	ADP
ctmj-30	9	9	interdependent	interdependent	ADJ
ctmj-30	9	10	agents	agent	NOUN
ctmj-30	9	11	in	in	ADP
ctmj-30	9	12	addition	addition	NOUN
ctmj-30	9	13	to	to	ADP
ctmj-30	9	14	insuring	insure	VERB
ctmj-30	9	15	their	their	PRON
ctmj-30	9	16	risks	risk	NOUN
ctmj-30	9	17	thanks	thank	NOUN
ctmj-30	9	18	to	to	ADP
ctmj-30	9	19	the	the	DET
ctmj-30	9	20	results	result	NOUN
ctmj-30	9	21	of	of	ADP
ctmj-30	9	22	security	security	NOUN
ctmj-30	9	23	pre	pre	NOUN
ctmj-30	9	24	-	-	NOUN
ctmj-30	9	25	screening	screening	NOUN
ctmj-30	9	26	,	,	PUNCT
ctmj-30	9	27	which	which	PRON
ctmj-30	9	28	allow	allow	VERB
ctmj-30	9	29	the	the	DET
ctmj-30	9	30	insurer	insurer	NOUN
ctmj-30	9	31	to	to	PART
ctmj-30	9	32	capitalize	capitalize	VERB
ctmj-30	9	33	on	on	ADP
ctmj-30	9	34	an	an	DET
ctmj-30	9	35	additional	additional	ADJ
ctmj-30	9	36	profit	profit	NOUN
ctmj-30	9	37	opportunity	opportunity	NOUN
ctmj-30	9	38	.	.	PUNCT
ctmj-30	10	1	we	we	PRON
ctmj-30	10	2	determine	determine	VERB
ctmj-30	10	3	the	the	DET
ctmj-30	10	4	circumstances	circumstance	NOUN
ctmj-30	10	5	under	under	ADP
ctmj-30	10	6	which	which	PRON
ctmj-30	10	7	this	this	DET
ctmj-30	10	8	sort	sort	NOUN
ctmj-30	10	9	of	of	ADP
ctmj-30	10	10	contract	contract	NOUN
ctmj-30	10	11	results	result	NOUN
ctmj-30	10	12	in	in	ADP
ctmj-30	10	13	not	not	PART
ctmj-30	10	14	only	only	ADV
ctmj-30	10	15	greater	great	ADJ
ctmj-30	10	16	principle	principle	ADJ
ctmj-30	10	17	profit	profit	NOUN
ctmj-30	10	18	but	but	CCONJ
ctmj-30	10	19	also	also	ADV
ctmj-30	10	20	enhanced	enhance	VERB
ctmj-30	10	21	network	network	NOUN
ctmj-30	10	22	security	security	NOUN
ctmj-30	10	23	.	.	PUNCT
ctmj-30	11	1	search	search	NOUN
ctmj-30	11	2	terms	term	NOUN
ctmj-30	11	3	:	:	PUNCT
ctmj-30	11	4	framework	framework	NOUN
ctmj-30	11	5	,	,	PUNCT
ctmj-30	11	6	python	python	NOUN
ctmj-30	11	7	,	,	PUNCT
ctmj-30	11	8	django	django	NOUN
ctmj-30	11	9	,	,	PUNCT
ctmj-30	11	10	mysql	mysql	NOUN
ctmj-30	11	11	,	,	PUNCT
ctmj-30	11	12	and	and	CCONJ
ctmj-30	11	13	wampserver	wampserver	ADV
ctmj-30	11	14	.	.	PUNCT
ctmj-30	12	1	introduction	introduction	NOUN
ctmj-30	12	2	existing	exist	VERB
ctmj-30	12	3	studies	study	NOUN
ctmj-30	12	4	investigate	investigate	VERB
ctmj-30	12	5	the	the	DET
ctmj-30	12	6	impact	impact	NOUN
ctmj-30	12	7	of	of	ADP
ctmj-30	12	8	insurance	insurance	NOUN
ctmj-30	12	9	on	on	ADP
ctmj-30	12	10	agents	agent	NOUN
ctmj-30	12	11	'	'	PART
ctmj-30	12	12	security	security	NOUN
ctmj-30	12	13	costs	cost	NOUN
ctmj-30	12	14	,	,	PUNCT
ctmj-30	12	15	and	and	CCONJ
ctmj-30	12	16	take	take	VERB
ctmj-30	12	17	into	into	ADP
ctmj-30	12	18	account	account	NOUN
ctmj-30	12	19	competitive	competitive	ADJ
ctmj-30	12	20	insurance	insurance	NOUN
ctmj-30	12	21	markets	market	NOUN
ctmj-30	12	22	under	under	ADP
ctmj-30	12	23	compulsory	compulsory	ADJ
ctmj-30	12	24	insurance	insurance	NOUN
ctmj-30	12	25	.	.	PUNCT
ctmj-30	13	1	the	the	DET
ctmj-30	13	2	authors	author	NOUN
ctmj-30	13	3	of	of	ADP
ctmj-30	13	4	demonstrate	demonstrate	VERB
ctmj-30	13	5	that	that	SCONJ
ctmj-30	13	6	when	when	SCONJ
ctmj-30	13	7	insurance	insurance	NOUN
ctmj-30	13	8	is	be	AUX
ctmj-30	13	9	present	present	ADJ
ctmj-30	13	10	,	,	PUNCT
ctmj-30	13	11	the	the	DET
ctmj-30	13	12	condition	condition	NOUN
ctmj-30	13	13	of	of	ADP
ctmj-30	13	14	network	network	NOUN
ctmj-30	13	15	security	security	NOUN
ctmj-30	13	16	is	be	AUX
ctmj-30	13	17	typically	typically	ADV
ctmj-30	13	18	worse	bad	ADJ
ctmj-30	13	19	than	than	ADP
ctmj-30	13	20	in	in	ADP
ctmj-30	13	21	the	the	DET
ctmj-30	13	22	no	no	DET
ctmj-30	13	23	-	-	PUNCT
ctmj-30	13	24	insurance	insurance	NOUN
ctmj-30	13	25	situation	situation	NOUN
ctmj-30	13	26	,	,	PUNCT
ctmj-30	13	27	even	even	ADV
ctmj-30	13	28	when	when	SCONJ
ctmj-30	13	29	the	the	DET
ctmj-30	13	30	market	market	NOUN
ctmj-30	13	31	is	be	AUX
ctmj-30	13	32	competitive	competitive	ADJ
ctmj-30	13	33	and	and	CCONJ
ctmj-30	13	34	the	the	DET
ctmj-30	13	35	agents	agent	NOUN
ctmj-30	13	36	are	be	AUX
ctmj-30	13	37	all	all	ADV
ctmj-30	13	38	the	the	DET
ctmj-30	13	39	same	same	ADJ
ctmj-30	13	40	.	.	PUNCT
ctmj-30	14	1	existing	exist	VERB
ctmj-30	14	2	research	research	NOUN
ctmj-30	14	3	demonstrate	demonstrate	VERB
ctmj-30	14	4	that	that	SCONJ
ctmj-30	14	5	introducing	introduce	VERB
ctmj-30	14	6	insurance	insurance	NOUN
ctmj-30	14	7	can	can	AUX
ctmj-30	14	8	not	not	PART
ctmj-30	14	9	enhance	enhance	VERB
ctmj-30	14	10	network	network	NOUN
ctmj-30	14	11	security	security	NOUN
ctmj-30	14	12	in	in	ADP
ctmj-30	14	13	a	a	DET
ctmj-30	14	14	network	network	NOUN
ctmj-30	14	15	with	with	ADP
ctmj-30	14	16	heterogeneous	heterogeneous	ADJ
ctmj-30	14	17	agents	agent	NOUN
ctmj-30	14	18	.	.	PUNCT
ctmj-30	15	1	analyze	analyze	VERB
ctmj-30	15	2	how	how	SCONJ
ctmj-30	15	3	investments	investment	NOUN
ctmj-30	15	4	change	change	VERB
ctmj-30	15	5	as	as	ADP
ctmj-30	15	6	the	the	DET
ctmj-30	15	7	degree	degree	NOUN
ctmj-30	15	8	of	of	ADP
ctmj-30	15	9	dependency	dependency	NOUN
ctmj-30	15	10	between	between	ADP
ctmj-30	15	11	agents	agent	NOUN
ctmj-30	15	12	changes	change	NOUN
ctmj-30	15	13	,	,	PUNCT
ctmj-30	15	14	and	and	CCONJ
ctmj-30	15	15	prove	prove	VERB
ctmj-30	15	16	that	that	SCONJ
ctmj-30	15	17	investment	investment	NOUN
ctmj-30	15	18	drops	drop	VERB
ctmj-30	15	19	down	down	ADP
ctmj-30	15	20	sharply	sharply	ADV
ctmj-30	15	21	as	as	SCONJ
ctmj-30	15	22	interdependence	interdependence	NOUN
ctmj-30	15	23	rises	rise	VERB
ctmj-30	15	24	.	.	PUNCT
ctmj-30	16	1	examine	examine	VERB
ctmj-30	16	2	a	a	DET
ctmj-30	16	3	competitive	competitive	ADJ
ctmj-30	16	4	market	market	NOUN
ctmj-30	16	5	with	with	ADP
ctmj-30	16	6	and	and	CCONJ
ctmj-30	16	7	without	without	ADP
ctmj-30	16	8	moral	moral	ADJ
ctmj-30	16	9	hazard	hazard	NOUN
ctmj-30	16	10	,	,	PUNCT
ctmj-30	16	11	assuming	assume	VERB
ctmj-30	16	12	that	that	SCONJ
ctmj-30	16	13	all	all	DET
ctmj-30	16	14	agents	agent	NOUN
ctmj-30	16	15	are	be	AUX
ctmj-30	16	16	acting	act	VERB
ctmj-30	16	17	voluntarily	voluntarily	ADV
ctmj-30	16	18	.	.	PUNCT
ctmj-30	17	1	without	without	ADP
ctmj-30	17	2	moral	moral	ADJ
ctmj-30	17	3	hazard	hazard	NOUN
ctmj-30	17	4	,	,	PUNCT
ctmj-30	17	5	the	the	DET
ctmj-30	17	6	insurer	insurer	NOUN
ctmj-30	17	7	may	may	AUX
ctmj-30	17	8	see	see	VERB
ctmj-30	17	9	the	the	DET
ctmj-30	17	10	agents	agent	NOUN
ctmj-30	17	11	'	'	PART
ctmj-30	17	12	security	security	NOUN
ctmj-30	17	13	investments	investment	NOUN
ctmj-30	17	14	and	and	CCONJ
ctmj-30	17	15	charge	charge	VERB
ctmj-30	17	16	them	they	PRON
ctmj-30	17	17	a	a	DET
ctmj-30	17	18	different	different	ADJ
ctmj-30	17	19	premium	premium	NOUN
ctmj-30	17	20	depending	depend	VERB
ctmj-30	17	21	on	on	ADP
ctmj-30	17	22	those	those	DET
ctmj-30	17	23	investments	investment	NOUN
ctmj-30	17	24	.	.	PUNCT
ctmj-30	18	1	they	they	PRON
ctmj-30	18	2	demonstrate	demonstrate	VERB
ctmj-30	18	3	how	how	SCONJ
ctmj-30	18	4	agents	agent	NOUN
ctmj-30	18	5	might	might	AUX
ctmj-30	18	6	be	be	AUX
ctmj-30	18	7	incentivized	incentivize	VERB
ctmj-30	18	8	to	to	PART
ctmj-30	18	9	expand	expand	VERB
ctmj-30	18	10	their	their	PRON
ctmj-30	18	11	investments	investment	NOUN
ctmj-30	18	12	in	in	ADP
ctmj-30	18	13	self	self	NOUN
ctmj-30	18	14	-	-	PUNCT
ctmj-30	18	15	defense	defense	NOUN
ctmj-30	18	16	in	in	ADP
ctmj-30	18	17	such	such	DET
ctmj-30	18	18	a	a	DET
ctmj-30	18	19	market	market	NOUN
ctmj-30	18	20	.	.	PUNCT
ctmj-30	19	1	they	they	PRON
ctmj-30	19	2	demonstrate	demonstrate	VERB
ctmj-30	19	3	,	,	PUNCT
ctmj-30	19	4	however	however	ADV
ctmj-30	19	5	,	,	PUNCT
ctmj-30	19	6	that	that	SCONJ
ctmj-30	19	7	the	the	DET
ctmj-30	19	8	market	market	NOUN
ctmj-30	19	9	does	do	AUX
ctmj-30	19	10	not	not	PART
ctmj-30	19	11	provide	provide	VERB
ctmj-30	19	12	an	an	DET
ctmj-30	19	13	incentive	incentive	NOUN
ctmj-30	19	14	for	for	ADP
ctmj-30	19	15	upgrading	upgrade	VERB
ctmj-30	19	16	agents	agent	NOUN
ctmj-30	19	17	'	'	PART
ctmj-30	19	18	investments	investment	NOUN
ctmj-30	19	19	when	when	SCONJ
ctmj-30	19	20	moral	moral	ADJ
ctmj-30	19	21	hazard	hazard	NOUN
ctmj-30	19	22	is	be	AUX
ctmj-30	19	23	present	present	ADJ
ctmj-30	19	24	.	.	PUNCT
ctmj-30	20	1	in	in	ADP
ctmj-30	20	2	the	the	DET
ctmj-30	20	3	current	current	ADJ
ctmj-30	20	4	system	system	NOUN
ctmj-30	20	5	,	,	PUNCT
ctmj-30	20	6	researchers	researcher	NOUN
ctmj-30	20	7	have	have	AUX
ctmj-30	20	8	examined	examine	VERB
ctmj-30	20	9	how	how	SCONJ
ctmj-30	20	10	insurance	insurance	NOUN
ctmj-30	20	11	affects	affect	VERB
ctmj-30	20	12	network	network	NOUN
ctmj-30	20	13	security	security	NOUN
ctmj-30	20	14	when	when	SCONJ
ctmj-30	20	15	the	the	DET
ctmj-30	20	16	insurer	insurer	NOUN
ctmj-30	20	17	is	be	AUX
ctmj-30	20	18	a	a	DET
ctmj-30	20	19	monopolist	monopolist	NOUN
ctmj-30	20	20	that	that	PRON
ctmj-30	20	21	seeks	seek	VERB
ctmj-30	20	22	to	to	PART
ctmj-30	20	23	maximize	maximize	VERB
ctmj-30	20	24	shareholder	shareholder	NOUN
ctmj-30	20	25	value	value	NOUN
ctmj-30	20	26	at	at	ADP
ctmj-30	20	27	the	the	DET
ctmj-30	20	28	expense	expense	NOUN
ctmj-30	20	29	of	of	ADP
ctmj-30	20	30	policyholders	policyholder	NOUN
ctmj-30	20	31	.	.	PUNCT
ctmj-30	21	1	in	in	ADP
ctmj-30	21	2	these	these	DET
ctmj-30	21	3	models	model	NOUN
ctmj-30	21	4	,	,	PUNCT
ctmj-30	21	5	agents	agent	NOUN
ctmj-30	21	6	are	be	AUX
ctmj-30	21	7	motivated	motivate	VERB
ctmj-30	21	8	by	by	ADP
ctmj-30	21	9	premium	premium	NOUN
ctmj-30	21	10	discrimination	discrimination	NOUN
ctmj-30	21	11	—	—	PUNCT
ctmj-30	21	12	that	that	ADV
ctmj-30	21	13	is	be	AUX
ctmj-30	21	14	,	,	PUNCT
ctmj-30	21	15	agents	agent	NOUN
ctmj-30	21	16	with	with	ADP
ctmj-30	21	17	larger	large	ADJ
ctmj-30	21	18	investments	investment	NOUN
ctmj-30	21	19	in	in	ADP
ctmj-30	21	20	security	security	NOUN
ctmj-30	21	21	pay	pay	VERB
ctmj-30	21	22	lower	low	ADJ
ctmj-30	21	23	premiums	premium	NOUN
ctmj-30	21	24	—	—	PUNCT
ctmj-30	21	25	because	because	SCONJ
ctmj-30	21	26	the	the	DET
ctmj-30	21	27	insurer	insurer	NOUN
ctmj-30	21	28	's	's	PART
ctmj-30	21	29	purpose	purpose	NOUN
ctmj-30	21	30	is	be	AUX
ctmj-30	21	31	to	to	PART
ctmj-30	21	32	maximize	maximize	VERB
ctmj-30	21	33	societal	societal	ADJ
ctmj-30	21	34	welfare	welfare	NOUN
ctmj-30	21	35	under	under	ADP
ctmj-30	21	36	the	the	DET
ctmj-30	21	37	assumption	assumption	NOUN
ctmj-30	21	38	of	of	ADP
ctmj-30	21	39	compulsory	compulsory	ADJ
ctmj-30	21	40	insurance	insurance	NOUN
ctmj-30	21	41	.	.	PUNCT
ctmj-30	22	1	therefore	therefore	ADV
ctmj-30	22	2	,	,	PUNCT
ctmj-30	22	3	these	these	DET
ctmj-30	22	4	investigations	investigation	NOUN
ctmj-30	22	5	demonstrate	demonstrate	VERB
ctmj-30	22	6	that	that	SCONJ
ctmj-30	22	7	insurance	insurance	NOUN
ctmj-30	22	8	may	may	AUX
ctmj-30	22	9	result	result	VERB
ctmj-30	22	10	in	in	ADP
ctmj-30	22	11	increased	increase	VERB
ctmj-30	22	12	network	network	NOUN
ctmj-30	22	13	safety	safety	NOUN
ctmj-30	22	14	.	.	PUNCT
ctmj-30	23	1	existing	exist	VERB
ctmj-30	23	2	literature	literature	NOUN
ctmj-30	23	3	examines	examine	VERB
ctmj-30	23	4	a	a	DET
ctmj-30	23	5	market	market	NOUN
ctmj-30	23	6	for	for	ADP
ctmj-30	23	7	insurance	insurance	NOUN
ctmj-30	23	8	with	with	ADP
ctmj-30	23	9	a	a	DET
ctmj-30	23	10	monopolistic	monopolistic	ADJ
ctmj-30	23	11	profit	profit	NOUN
ctmj-30	23	12	-	-	PUNCT
ctmj-30	23	13	maximizing	maximize	VERB
ctmj-30	23	14	insurer	insurer	NOUN
ctmj-30	23	15	under	under	ADP
ctmj-30	23	16	the	the	DET
ctmj-30	23	17	premise	premise	NOUN
ctmj-30	23	18	of	of	ADP
ctmj-30	23	19	voluntary	voluntary	ADJ
ctmj-30	23	20	participation	participation	NOUN
ctmj-30	23	21	,	,	PUNCT
ctmj-30	23	22	and	and	CCONJ
ctmj-30	23	23	concludes	conclude	VERB
ctmj-30	23	24	that	that	SCONJ
ctmj-30	23	25	insurance	insurance	NOUN
ctmj-30	23	26	can	can	AUX
ctmj-30	23	27	not	not	PART
ctmj-30	23	28	enhance	enhance	VERB
ctmj-30	23	29	network	network	NOUN
ctmj-30	23	30	security	security	NOUN
ctmj-30	23	31	in	in	ADP
ctmj-30	23	32	the	the	DET
ctmj-30	23	33	face	face	NOUN
ctmj-30	23	34	of	of	ADP
ctmj-30	23	35	moral	moral	ADJ
ctmj-30	23	36	hazard	hazard	NOUN
ctmj-30	23	37	.	.	PUNCT
ctmj-30	24	1	purpose	purpose	NOUN
ctmj-30	24	2	of	of	ADP
ctmj-30	24	3	the	the	DET
ctmj-30	24	4	project	project	NOUN
ctmj-30	24	5	cyber	cyber	NOUN
ctmj-30	24	6	insurance	insurance	NOUN
ctmj-30	24	7	contract	contract	NOUN
ctmj-30	24	8	design	design	NOUN
ctmj-30	24	9	for	for	ADP
ctmj-30	24	10	riskaverse	riskaverse	NOUN
ctmj-30	24	11	and	and	CCONJ
ctmj-30	24	12	risk	risk	NOUN
ctmj-30	24	13	-	-	PUNCT
ctmj-30	24	14	neutral	neutral	ADJ
ctmj-30	24	15	agents	agent	NOUN
ctmj-30	24	16	by	by	ADP
ctmj-30	24	17	a	a	DET
ctmj-30	24	18	single	single	ADJ
ctmj-30	24	19	profitmaximizing	profitmaximize	VERB
ctmj-30	24	20	insurer	insurer	NOUN
ctmj-30	24	21	.	.	PUNCT
ctmj-30	25	1	we	we	PRON
ctmj-30	25	2	demonstrated	demonstrate	VERB
ctmj-30	25	3	that	that	SCONJ
ctmj-30	25	4	although	although	SCONJ
ctmj-30	25	5	introducing	introduce	VERB
ctmj-30	25	6	insurance	insurance	NOUN
ctmj-30	25	7	reduces	reduce	VERB
ctmj-30	25	8	network	network	NOUN
ctmj-30	25	9	security	security	NOUN
ctmj-30	25	10	amongst	amongst	ADP
ctmj-30	25	11	unrelated	unrelated	ADJ
ctmj-30	25	12	agents	agent	NOUN
ctmj-30	25	13	,	,	PUNCT
ctmj-30	25	14	the	the	DET
ctmj-30	25	15	outcome	outcome	NOUN
ctmj-30	25	16	may	may	AUX
ctmj-30	25	17	change	change	VERB
ctmj-30	25	18	between	between	ADP
ctmj-30	25	19	related	related	ADJ
ctmj-30	25	20	agents	agent	NOUN
ctmj-30	25	21	.	.	PUNCT
ctmj-30	26	1	in	in	ADP
ctmj-30	26	2	particular	particular	ADJ
ctmj-30	26	3	,	,	PUNCT
ctmj-30	26	4	we	we	PRON
ctmj-30	26	5	demonstrated	demonstrate	VERB
ctmj-30	26	6	that	that	SCONJ
ctmj-30	26	7	the	the	DET
ctmj-30	26	8	inefficient	inefficient	ADJ
ctmj-30	26	9	effort	effort	NOUN
ctmj-30	26	10	levels	level	NOUN
ctmj-30	26	11	exerted	exert	VERB
ctmj-30	26	12	by	by	ADP
ctmj-30	26	13	free	free	ADJ
ctmj-30	26	14	-	-	PUNCT
ctmj-30	26	15	riding	ride	VERB
ctmj-30	26	16	agents	agent	NOUN
ctmj-30	26	17	when	when	SCONJ
ctmj-30	26	18	insurance	insurance	NOUN
ctmj-30	26	19	is	be	AUX
ctmj-30	26	20	unavailable	unavailable	ADJ
ctmj-30	26	21	but	but	CCONJ
ctmj-30	26	22	interdependency	interdependency	NOUN
ctmj-30	26	23	is	be	AUX
ctmj-30	26	24	present	present	ADJ
ctmj-30	26	25	creates	create	VERB
ctmj-30	26	26	a	a	DET
ctmj-30	26	27	profit	profit	NOUN
ctmj-30	26	28	opportunity	opportunity	NOUN
ctmj-30	26	29	for	for	ADP
ctmj-30	26	30	the	the	DET
ctmj-30	26	31	insurer	insurer	NOUN
ctmj-30	26	32	,	,	PUNCT
ctmj-30	26	33	in	in	ADP
ctmj-30	26	34	addition	addition	NOUN
ctmj-30	26	35	to	to	ADP
ctmj-30	26	36	the	the	DET
ctmj-30	26	37	typical	typical	ADJ
ctmj-30	26	38	profit	profit	NOUN
ctmj-30	26	39	that	that	PRON
ctmj-30	26	40	an	an	DET
ctmj-30	26	41	insurer	insurer	NOUN
ctmj-30	26	42	earns	earn	VERB
ctmj-30	26	43	from	from	ADP
ctmj-30	26	44	risk	risk	NOUN
ctmj-30	26	45	transfer	transfer	NOUN
ctmj-30	26	46	.	.	PUNCT
ctmj-30	27	1	we	we	PRON
ctmj-30	27	2	demonstrated	demonstrate	VERB
ctmj-30	27	3	that	that	SCONJ
ctmj-30	27	4	security	security	NOUN
ctmj-30	27	5	prescreening	prescreening	NOUN
ctmj-30	27	6	provides	provide	VERB
ctmj-30	27	7	the	the	DET
ctmj-30	27	8	insurer	insurer	NOUN
ctmj-30	27	9	with	with	ADP
ctmj-30	27	10	a	a	DET
ctmj-30	27	11	chance	chance	NOUN
ctmj-30	27	12	to	to	PART
ctmj-30	27	13	boost	boost	VERB
ctmj-30	27	14	profits	profit	NOUN
ctmj-30	27	15	by	by	ADP
ctmj-30	27	16	marketing	marketing	NOUN
ctmj-30	27	17	commitment	commitment	NOUN
ctmj-30	27	18	to	to	ADP
ctmj-30	27	19	mutually	mutually	ADV
ctmj-30	27	20	dependent	dependent	ADJ
ctmj-30	27	21	agents	agent	NOUN
ctmj-30	27	22	and	and	CCONJ
ctmj-30	27	23	creating	create	VERB
ctmj-30	27	24	incentives	incentive	NOUN
ctmj-30	27	25	for	for	SCONJ
ctmj-30	27	26	agents	agent	NOUN
ctmj-30	27	27	to	to	PART
ctmj-30	27	28	put	put	VERB
ctmj-30	27	29	in	in	ADP
ctmj-30	27	30	more	more	ADJ
ctmj-30	27	31	effort	effort	NOUN
ctmj-30	27	32	.	.	PUNCT
ctmj-30	28	1	existing	exist	VERB
ctmj-30	28	2	system	system	NOUN
ctmj-30	28	3	in	in	ADP
ctmj-30	28	4	this	this	DET
ctmj-30	28	5	study	study	NOUN
ctmj-30	28	6	,	,	PUNCT
ctmj-30	28	7	we	we	PRON
ctmj-30	28	8	'll	will	AUX
ctmj-30	28	9	investigate	investigate	VERB
ctmj-30	28	10	whether	whether	SCONJ
ctmj-30	28	11	or	or	CCONJ
ctmj-30	28	12	not	not	PART
ctmj-30	28	13	cyber	cyber	ADJ
ctmj-30	28	14	insurance	insurance	NOUN
ctmj-30	28	15	may	may	AUX
ctmj-30	28	16	be	be	AUX
ctmj-30	28	17	used	use	VERB
ctmj-30	28	18	to	to	PART
ctmj-30	28	19	motivate	motivate	VERB
ctmj-30	28	20	better	well	ADJ
ctmj-30	28	21	network	network	NOUN
ctmj-30	28	22	security	security	NOUN
ctmj-30	28	23	practices	practice	NOUN
ctmj-30	28	24	.	.	PUNCT
ctmj-30	29	1	different	different	ADJ
ctmj-30	29	2	from	from	ADP
ctmj-30	29	3	the	the	DET
ctmj-30	29	4	bulk	bulk	NOUN
ctmj-30	29	5	of	of	ADP
ctmj-30	29	6	the	the	DET
ctmj-30	29	7	previous	previous	ADJ
ctmj-30	29	8	research	research	NOUN
ctmj-30	29	9	,	,	PUNCT
ctmj-30	29	10	we	we	PRON
ctmj-30	29	11	adopt	adopt	VERB
ctmj-30	29	12	two	two	NUM
ctmj-30	29	13	model	model	NOUN
ctmj-30	29	14	assumptions	assumption	NOUN
ctmj-30	29	15	that	that	PRON
ctmj-30	29	16	we	we	PRON
ctmj-30	29	17	feel	feel	VERB
ctmj-30	29	18	better	well	ADJ
ctmj-30	29	19	depict	depict	VERB
ctmj-30	29	20	the	the	DET
ctmj-30	29	21	actual	actual	ADJ
ctmj-30	29	22	status	status	NOUN
ctmj-30	29	23	of	of	ADP
ctmj-30	29	24	cyber	cyber	NOUN
ctmj-30	29	25	insurance	insurance	NOUN
ctmj-30	29	26	markets	market	NOUN
ctmj-30	29	27	:	:	PUNCT
ctmj-30	29	28	we	we	PRON
ctmj-30	29	29	will	will	AUX
ctmj-30	29	30	assume	assume	VERB
ctmj-30	29	31	a	a	DET
ctmj-30	29	32	profit	profit	NOUN
ctmj-30	29	33	-	-	PUNCT
ctmj-30	29	34	maximizing	maximize	VERB
ctmj-30	29	35	cyber	cyber	NOUN
ctmj-30	29	36	insurer	insurer	NOUN
ctmj-30	29	37	,	,	PUNCT
ctmj-30	29	38	and	and	CCONJ
ctmj-30	29	39	we	we	PRON
ctmj-30	29	40	shall	shall	AUX
ctmj-30	29	41	assume	assume	VERB
ctmj-30	29	42	that	that	SCONJ
ctmj-30	29	43	agents	agent	NOUN
ctmj-30	29	44	may	may	AUX
ctmj-30	29	45	choose	choose	VERB
ctmj-30	29	46	not	not	PART
ctmj-30	29	47	to	to	PART
ctmj-30	29	48	purchase	purchase	VERB
ctmj-30	29	49	a	a	DET
ctmj-30	29	50	contract	contract	NOUN
ctmj-30	29	51	if	if	SCONJ
ctmj-30	29	52	they	they	PRON
ctmj-30	29	53	so	so	ADV
ctmj-30	29	54	choose	choose	VERB
ctmj-30	29	55	.	.	PUNCT
ctmj-30	30	1	we	we	PRON
ctmj-30	30	2	highlight	highlight	VERB
ctmj-30	30	3	the	the	DET
ctmj-30	30	4	interdependence	interdependence	NOUN
ctmj-30	30	5	of	of	ADP
ctmj-30	30	6	security	security	NOUN
ctmj-30	30	7	and	and	CCONJ
ctmj-30	30	8	the	the	DET
ctmj-30	30	9	availability	availability	NOUN
ctmj-30	30	10	of	of	ADP
ctmj-30	30	11	risk	risk	NOUN
ctmj-30	30	12	assessment	assessment	NOUN
ctmj-30	30	13	as	as	ADP
ctmj-30	30	14	two	two	NUM
ctmj-30	30	15	key	key	ADJ
ctmj-30	30	16	aspects	aspect	NOUN
ctmj-30	30	17	of	of	ADP
ctmj-30	30	18	cyberinsurance	cyberinsurance	NOUN
ctmj-30	30	19	under	under	ADP
ctmj-30	30	20	this	this	DET
ctmj-30	30	21	paradigm	paradigm	NOUN
ctmj-30	30	22	.	.	PUNCT
ctmj-30	31	1	because	because	SCONJ
ctmj-30	31	2	of	of	ADP
ctmj-30	31	3	recent	recent	ADJ
ctmj-30	31	4	developments	development	NOUN
ctmj-30	31	5	in	in	ADP
ctmj-30	31	6	internet	internet	NOUN
ctmj-30	31	7	measurements	measurement	NOUN
ctmj-30	31	8	and	and	CCONJ
ctmj-30	31	9	machine	machine	NOUN
ctmj-30	31	10	learning	learning	NOUN
ctmj-30	31	11	methods	method	NOUN
ctmj-30	31	12	,	,	PUNCT
ctmj-30	31	13	we	we	PRON
ctmj-30	31	14	can	can	AUX
ctmj-30	31	15	now	now	ADV
ctmj-30	31	16	conduct	conduct	VERB
ctmj-30	31	17	precise	precise	ADJ
ctmj-30	31	18	,	,	PUNCT
ctmj-30	31	19	quantitative	quantitative	ADJ
ctmj-30	31	20	security	security	NOUN
ctmj-30	31	21	posture	posture	NOUN
ctmj-30	31	22	assessments	assessment	NOUN
ctmj-30	31	23	at	at	ADP
ctmj-30	31	24	the	the	DET
ctmj-30	31	25	enterprise	enterprise	NOUN
ctmj-30	31	26	level	level	NOUN
ctmj-30	31	27	,	,	PUNCT
ctmj-30	31	28	which	which	PRON
ctmj-30	31	29	explains	explain	VERB
ctmj-30	31	30	the	the	DET
ctmj-30	31	31	first	first	ADJ
ctmj-30	31	32	characteristic	characteristic	NOUN
ctmj-30	31	33	.	.	PUNCT
ctmj-30	32	1	to	to	PART
ctmj-30	32	2	reduce	reduce	VERB
ctmj-30	32	3	the	the	DET
ctmj-30	32	4	risk	risk	NOUN
ctmj-30	32	5	of	of	ADP
ctmj-30	32	6	moral	moral	ADJ
ctmj-30	32	7	hazard	hazard	NOUN
ctmj-30	32	8	via	via	ADP
ctmj-30	32	9	premium	premium	NOUN
ctmj-30	32	10	discrimination	discrimination	NOUN
ctmj-30	32	11	and	and	CCONJ
ctmj-30	32	12	the	the	DET
ctmj-30	32	13	creation	creation	NOUN
ctmj-30	32	14	of	of	ADP
ctmj-30	32	15	tailor	tailor	NOUN
ctmj-30	32	16	-	-	PUNCT
ctmj-30	32	17	made	make	VERB
ctmj-30	32	18	policies	policy	NOUN
ctmj-30	32	19	,	,	PUNCT
ctmj-30	32	20	this	this	PRON
ctmj-30	32	21	may	may	AUX
ctmj-30	32	22	be	be	AUX
ctmj-30	32	23	utilized	utilize	VERB
ctmj-30	32	24	in	in	ADP
ctmj-30	32	25	the	the	DET
ctmj-30	32	26	preliminary	preliminary	ADJ
ctmj-30	32	27	security	security	NOUN
ctmj-30	32	28	audit	audit	NOUN
ctmj-30	32	29	or	or	CCONJ
ctmj-30	32	30	pre	pre	NOUN
ctmj-30	32	31	-	-	ADJ
ctmj-30	32	32	screening	screening	NOUN
ctmj-30	32	33	of	of	ADP
ctmj-30	32	34	a	a	DET
ctmj-30	32	35	new	new	ADJ
ctmj-30	32	36	customer	customer	NOUN
ctmj-30	32	37	.	.	PUNCT
ctmj-30	33	1	the	the	DET
ctmj-30	33	2	second	second	ADJ
ctmj-30	33	3	distinguishing	distinguish	VERB
ctmj-30	33	4	element	element	NOUN
ctmj-30	33	5	is	be	AUX
ctmj-30	33	6	the	the	DET
ctmj-30	33	7	interdependent	interdependent	ADJ
ctmj-30	33	8	nature	nature	NOUN
ctmj-30	33	9	of	of	ADP
ctmj-30	33	10	security	security	NOUN
ctmj-30	33	11	,	,	PUNCT
ctmj-30	33	12	which	which	PRON
ctmj-30	33	13	is	be	AUX
ctmj-30	33	14	the	the	DET
ctmj-30	33	15	observation	observation	NOUN
ctmj-30	33	16	that	that	SCONJ
ctmj-30	33	17	an	an	DET
ctmj-30	33	18	entity	entity	NOUN
ctmj-30	33	19	's	's	PART
ctmj-30	33	20	security	security	NOUN
ctmj-30	33	21	status	status	NOUN
ctmj-30	33	22	often	often	ADV
ctmj-30	33	23	relies	rely	VERB
ctmj-30	33	24	on	on	ADP
ctmj-30	33	25	the	the	DET
ctmj-30	33	26	efforts	effort	NOUN
ctmj-30	33	27	of	of	ADP
ctmj-30	33	28	other	other	ADJ
ctmj-30	33	29	entities	entity	NOUN
ctmj-30	33	30	engaging	engage	VERB
ctmj-30	33	31	with	with	ADP
ctmj-30	33	32	it	it	PRON
ctmj-30	33	33	within	within	ADP
ctmj-30	33	34	the	the	DET
ctmj-30	33	35	eco	eco	NOUN
ctmj-30	33	36	-	-	PUNCT
ctmj-30	33	37	system	system	NOUN
ctmj-30	33	38	as	as	ADV
ctmj-30	33	39	well	well	ADV
ctmj-30	33	40	as	as	ADP
ctmj-30	33	41	the	the	DET
ctmj-30	33	42	entity	entity	NOUN
ctmj-30	33	43	's	's	PART
ctmj-30	33	44	own	own	ADJ
ctmj-30	33	45	efforts	effort	NOUN
ctmj-30	33	46	towards	towards	ADP
ctmj-30	33	47	adopting	adopt	VERB
ctmj-30	33	48	security	security	NOUN
ctmj-30	33	49	measures	measure	NOUN
ctmj-30	33	50	.	.	PUNCT
ctmj-30	34	1	because	because	SCONJ
ctmj-30	34	2	of	of	ADP
ctmj-30	34	3	this	this	DET
ctmj-30	34	4	interdependence	interdependence	NOUN
ctmj-30	34	5	,	,	PUNCT
ctmj-30	34	6	the	the	DET
ctmj-30	34	7	insurer	insurer	NOUN
ctmj-30	34	8	has	have	VERB
ctmj-30	34	9	a	a	DET
ctmj-30	34	10	contract	contract	NOUN
ctmj-30	34	11	design	design	NOUN
ctmj-30	34	12	challenge	challenge	NOUN
ctmj-30	34	13	in	in	ADP
ctmj-30	34	14	that	that	SCONJ
ctmj-30	34	15	it	it	PRON
ctmj-30	34	16	must	must	AUX
ctmj-30	34	17	provide	provide	VERB
ctmj-30	34	18	protection	protection	NOUN
ctmj-30	34	19	to	to	ADP
ctmj-30	34	20	each	each	PRON
ctmj-30	34	21	insured	insure	VERB
ctmj-30	34	22	against	against	ADP
ctmj-30	34	23	financial	financial	ADJ
ctmj-30	34	24	loss	loss	NOUN
ctmj-30	34	25	resulting	result	VERB
ctmj-30	34	26	from	from	ADP
ctmj-30	34	27	both	both	CCONJ
ctmj-30	34	28	direct	direct	ADJ
ctmj-30	34	29	and	and	CCONJ
ctmj-30	34	30	indirect	indirect	ADJ
ctmj-30	34	31	violations	violation	NOUN
ctmj-30	34	32	.	.	PUNCT
ctmj-30	35	1	proposed	propose	VERB
ctmj-30	35	2	system	system	NOUN
ctmj-30	35	3	existing	exist	VERB
ctmj-30	35	4	studies	study	NOUN
ctmj-30	35	5	investigate	investigate	VERB
ctmj-30	35	6	the	the	DET
ctmj-30	35	7	impact	impact	NOUN
ctmj-30	35	8	of	of	ADP
ctmj-30	35	9	insurance	insurance	NOUN
ctmj-30	35	10	on	on	ADP
ctmj-30	35	11	agents	agent	NOUN
ctmj-30	35	12	'	'	PART
ctmj-30	35	13	security	security	NOUN
ctmj-30	35	14	costs	cost	NOUN
ctmj-30	35	15	,	,	PUNCT
ctmj-30	35	16	and	and	CCONJ
ctmj-30	35	17	take	take	VERB
ctmj-30	35	18	into	into	ADP
ctmj-30	35	19	account	account	NOUN
ctmj-30	35	20	competitive	competitive	ADJ
ctmj-30	35	21	insurance	insurance	NOUN
ctmj-30	35	22	markets	market	NOUN
ctmj-30	35	23	under	under	ADP
ctmj-30	35	24	compulsory	compulsory	ADJ
ctmj-30	35	25	insurance	insurance	NOUN
ctmj-30	35	26	.	.	PUNCT
ctmj-30	36	1	the	the	DET
ctmj-30	36	2	authors	author	NOUN
ctmj-30	36	3	of	of	ADP
ctmj-30	36	4	demonstrate	demonstrate	VERB
ctmj-30	36	5	that	that	SCONJ
ctmj-30	36	6	when	when	SCONJ
ctmj-30	36	7	insurance	insurance	NOUN
ctmj-30	36	8	is	be	AUX
ctmj-30	36	9	present	present	ADJ
ctmj-30	36	10	,	,	PUNCT
ctmj-30	36	11	the	the	DET
ctmj-30	36	12	condition	condition	NOUN
ctmj-30	36	13	of	of	ADP
ctmj-30	36	14	network	network	NOUN
ctmj-30	36	15	security	security	NOUN
ctmj-30	36	16	is	be	AUX
ctmj-30	36	17	typically	typically	ADV
ctmj-30	36	18	worse	bad	ADJ
ctmj-30	36	19	than	than	ADP
ctmj-30	36	20	in	in	ADP
ctmj-30	36	21	the	the	DET
ctmj-30	36	22	no	no	DET
ctmj-30	36	23	-	-	PUNCT
ctmj-30	36	24	insurance	insurance	NOUN
ctmj-30	36	25	situation	situation	NOUN
ctmj-30	36	26	,	,	PUNCT
ctmj-30	36	27	even	even	ADV
ctmj-30	36	28	when	when	SCONJ
ctmj-30	36	29	the	the	DET
ctmj-30	36	30	market	market	NOUN
ctmj-30	36	31	is	be	AUX
ctmj-30	36	32	competitive	competitive	ADJ
ctmj-30	36	33	and	and	CCONJ
ctmj-30	36	34	the	the	DET
ctmj-30	36	35	agents	agent	NOUN
ctmj-30	36	36	are	be	AUX
ctmj-30	36	37	all	all	ADV
ctmj-30	36	38	the	the	DET
ctmj-30	36	39	same	same	ADJ
ctmj-30	36	40	.	.	PUNCT
ctmj-30	37	1	existing	exist	VERB
ctmj-30	37	2	research	research	NOUN
ctmj-30	37	3	demonstrate	demonstrate	VERB
ctmj-30	37	4	that	that	SCONJ
ctmj-30	37	5	introducing	introduce	VERB
ctmj-30	37	6	insurance	insurance	NOUN
ctmj-30	37	7	can	can	AUX
ctmj-30	37	8	not	not	PART
ctmj-30	37	9	enhance	enhance	VERB
ctmj-30	37	10	network	network	NOUN
ctmj-30	37	11	security	security	NOUN
ctmj-30	37	12	in	in	ADP
ctmj-30	37	13	a	a	DET
ctmj-30	37	14	network	network	NOUN
ctmj-30	37	15	with	with	ADP
ctmj-30	37	16	heterogeneous	heterogeneous	ADJ
ctmj-30	37	17	agents	agent	NOUN
ctmj-30	37	18	.	.	PUNCT
ctmj-30	38	1	analyze	analyze	VERB
ctmj-30	38	2	how	how	SCONJ
ctmj-30	38	3	investments	investment	NOUN
ctmj-30	38	4	change	change	VERB
ctmj-30	38	5	as	as	ADP
ctmj-30	38	6	the	the	DET
ctmj-30	38	7	degree	degree	NOUN
ctmj-30	38	8	of	of	ADP
ctmj-30	38	9	dependency	dependency	NOUN
ctmj-30	38	10	between	between	ADP
ctmj-30	38	11	agents	agent	NOUN
ctmj-30	38	12	changes	change	NOUN
ctmj-30	38	13	,	,	PUNCT
ctmj-30	38	14	and	and	CCONJ
ctmj-30	38	15	prove	prove	VERB
ctmj-30	38	16	that	that	SCONJ
ctmj-30	38	17	investment	investment	NOUN
ctmj-30	38	18	reduces	reduce	VERB
ctmj-30	38	19	as	as	SCONJ
ctmj-30	38	20	interdependence	interdependence	NOUN
ctmj-30	38	21	grows	grow	VERB
ctmj-30	38	22	.	.	PUNCT
ctmj-30	39	1	examine	examine	VERB
ctmj-30	39	2	a	a	DET
ctmj-30	39	3	competitive	competitive	ADJ
ctmj-30	39	4	market	market	NOUN
ctmj-30	39	5	with	with	ADP
ctmj-30	39	6	and	and	CCONJ
ctmj-30	39	7	without	without	ADP
ctmj-30	39	8	moral	moral	ADJ
ctmj-30	39	9	hazard	hazard	NOUN
ctmj-30	39	10	,	,	PUNCT
ctmj-30	39	11	assuming	assume	VERB
ctmj-30	39	12	that	that	SCONJ
ctmj-30	39	13	all	all	DET
ctmj-30	39	14	agents	agent	NOUN
ctmj-30	39	15	are	be	AUX
ctmj-30	39	16	acting	act	VERB
ctmj-30	39	17	voluntarily	voluntarily	ADV
ctmj-30	39	18	.	.	PUNCT
ctmj-30	40	1	without	without	ADP
ctmj-30	40	2	moral	moral	ADJ
ctmj-30	40	3	hazard	hazard	NOUN
ctmj-30	40	4	,	,	PUNCT
ctmj-30	40	5	the	the	DET
ctmj-30	40	6	insurer	insurer	NOUN
ctmj-30	40	7	may	may	AUX
ctmj-30	40	8	see	see	VERB
ctmj-30	40	9	the	the	DET
ctmj-30	40	10	agents	agent	NOUN
ctmj-30	40	11	'	'	PART
ctmj-30	40	12	security	security	NOUN
ctmj-30	40	13	investments	investment	NOUN
ctmj-30	40	14	and	and	CCONJ
ctmj-30	40	15	charge	charge	VERB
ctmj-30	40	16	them	they	PRON
ctmj-30	40	17	a	a	DET
ctmj-30	40	18	different	different	ADJ
ctmj-30	40	19	premium	premium	NOUN
ctmj-30	40	20	depending	depend	VERB
ctmj-30	40	21	on	on	ADP
ctmj-30	40	22	those	those	DET
ctmj-30	40	23	investments	investment	NOUN
ctmj-30	40	24	.	.	PUNCT
ctmj-30	41	1	they	they	PRON
ctmj-30	41	2	demonstrate	demonstrate	VERB
ctmj-30	41	3	how	how	SCONJ
ctmj-30	41	4	agents	agent	NOUN
ctmj-30	41	5	might	might	AUX
ctmj-30	41	6	be	be	AUX
ctmj-30	41	7	incentivized	incentivize	VERB
ctmj-30	41	8	to	to	PART
ctmj-30	41	9	expand	expand	VERB
ctmj-30	41	10	their	their	PRON
ctmj-30	41	11	investments	investment	NOUN
ctmj-30	41	12	in	in	ADP
ctmj-30	41	13	self	self	NOUN
ctmj-30	41	14	-	-	PUNCT
ctmj-30	41	15	defense	defense	NOUN
ctmj-30	41	16	in	in	ADP
ctmj-30	41	17	such	such	DET
ctmj-30	41	18	a	a	DET
ctmj-30	41	19	market	market	NOUN
ctmj-30	41	20	.	.	PUNCT
ctmj-30	42	1	they	they	PRON
ctmj-30	42	2	demonstrate	demonstrate	VERB
ctmj-30	42	3	,	,	PUNCT
ctmj-30	42	4	however	however	ADV
ctmj-30	42	5	,	,	PUNCT
ctmj-30	42	6	that	that	SCONJ
ctmj-30	42	7	the	the	DET
ctmj-30	42	8	market	market	NOUN
ctmj-30	42	9	does	do	AUX
ctmj-30	42	10	not	not	PART
ctmj-30	42	11	provide	provide	VERB
ctmj-30	42	12	an	an	DET
ctmj-30	42	13	incentive	incentive	NOUN
ctmj-30	42	14	for	for	ADP
ctmj-30	42	15	upgrading	upgrade	VERB
ctmj-30	42	16	agents	agent	NOUN
ctmj-30	42	17	'	'	PART
ctmj-30	42	18	investments	investment	NOUN
ctmj-30	42	19	when	when	SCONJ
ctmj-30	42	20	moral	moral	ADJ
ctmj-30	42	21	hazard	hazard	NOUN
ctmj-30	42	22	is	be	AUX
ctmj-30	42	23	present	present	ADJ
ctmj-30	42	24	.	.	PUNCT
ctmj-30	43	1	in	in	ADP
ctmj-30	43	2	the	the	DET
ctmj-30	43	3	current	current	ADJ
ctmj-30	43	4	system	system	NOUN
ctmj-30	43	5	,	,	PUNCT
ctmj-30	43	6	researchers	researcher	NOUN
ctmj-30	43	7	have	have	AUX
ctmj-30	43	8	examined	examine	VERB
ctmj-30	43	9	how	how	SCONJ
ctmj-30	43	10	insurance	insurance	NOUN
ctmj-30	43	11	affects	affect	VERB
ctmj-30	43	12	network	network	NOUN
ctmj-30	43	13	security	security	NOUN
ctmj-30	43	14	when	when	SCONJ
ctmj-30	43	15	the	the	DET
ctmj-30	43	16	insurer	insurer	NOUN
ctmj-30	43	17	is	be	AUX
ctmj-30	43	18	a	a	DET
ctmj-30	43	19	monopolist	monopolist	NOUN
ctmj-30	43	20	that	that	PRON
ctmj-30	43	21	seeks	seek	VERB
ctmj-30	43	22	to	to	PART
ctmj-30	43	23	maximize	maximize	VERB
ctmj-30	43	24	shareholder	shareholder	NOUN
ctmj-30	43	25	value	value	NOUN
ctmj-30	43	26	at	at	ADP
ctmj-30	43	27	the	the	DET
ctmj-30	43	28	expense	expense	NOUN
ctmj-30	43	29	of	of	ADP
ctmj-30	43	30	policyholders	policyholder	NOUN
ctmj-30	43	31	.	.	PUNCT
ctmj-30	44	1	in	in	ADP
ctmj-30	44	2	these	these	DET
ctmj-30	44	3	models	model	NOUN
ctmj-30	44	4	,	,	PUNCT
ctmj-30	44	5	agents	agent	NOUN
ctmj-30	44	6	are	be	AUX
ctmj-30	44	7	motivated	motivate	VERB
ctmj-30	44	8	by	by	ADP
ctmj-30	44	9	premium	premium	NOUN
ctmj-30	44	10	discrimination	discrimination	NOUN
ctmj-30	44	11	—	—	PUNCT
ctmj-30	44	12	that	that	ADV
ctmj-30	44	13	is	be	AUX
ctmj-30	44	14	,	,	PUNCT
ctmj-30	44	15	agents	agent	NOUN
ctmj-30	44	16	with	with	ADP
ctmj-30	44	17	larger	large	ADJ
ctmj-30	44	18	investments	investment	NOUN
ctmj-30	44	19	in	in	ADP
ctmj-30	44	20	security	security	NOUN
ctmj-30	44	21	pay	pay	VERB
ctmj-30	44	22	lower	low	ADJ
ctmj-30	44	23	premiums	premium	NOUN
ctmj-30	44	24	—	—	PUNCT
ctmj-30	44	25	because	because	SCONJ
ctmj-30	44	26	the	the	DET
ctmj-30	44	27	insurer	insurer	NOUN
ctmj-30	44	28	's	's	PART
ctmj-30	44	29	purpose	purpose	NOUN
ctmj-30	44	30	is	be	AUX
ctmj-30	44	31	to	to	PART
ctmj-30	44	32	maximize	maximize	VERB
ctmj-30	44	33	societal	societal	ADJ
ctmj-30	44	34	welfare	welfare	NOUN
ctmj-30	44	35	under	under	ADP
ctmj-30	44	36	the	the	DET
ctmj-30	44	37	assumption	assumption	NOUN
ctmj-30	44	38	of	of	ADP
ctmj-30	44	39	compulsory	compulsory	ADJ
ctmj-30	44	40	insurance	insurance	NOUN
ctmj-30	44	41	.	.	PUNCT
ctmj-30	45	1	therefore	therefore	ADV
ctmj-30	45	2	,	,	PUNCT
ctmj-30	45	3	these	these	DET
ctmj-30	45	4	investigations	investigation	NOUN
ctmj-30	45	5	demonstrate	demonstrate	VERB
ctmj-30	45	6	that	that	SCONJ
ctmj-30	45	7	insurance	insurance	NOUN
ctmj-30	45	8	may	may	AUX
ctmj-30	45	9	result	result	VERB
ctmj-30	45	10	in	in	ADP
ctmj-30	45	11	increased	increase	VERB
ctmj-30	45	12	network	network	NOUN
ctmj-30	45	13	safety	safety	NOUN
ctmj-30	45	14	.	.	PUNCT
ctmj-30	46	1	existing	exist	VERB
ctmj-30	46	2	literature	literature	NOUN
ctmj-30	46	3	examines	examine	VERB
ctmj-30	46	4	a	a	DET
ctmj-30	46	5	market	market	NOUN
ctmj-30	46	6	for	for	ADP
ctmj-30	46	7	insurance	insurance	NOUN
ctmj-30	46	8	with	with	ADP
ctmj-30	46	9	a	a	DET
ctmj-30	46	10	monopolistic	monopolistic	ADJ
ctmj-30	46	11	profit	profit	NOUN
ctmj-30	46	12	-	-	PUNCT
ctmj-30	46	13	maximizing	maximize	VERB
ctmj-30	46	14	insurer	insurer	NOUN
ctmj-30	46	15	under	under	ADP
ctmj-30	46	16	the	the	DET
ctmj-30	46	17	premise	premise	NOUN
ctmj-30	46	18	of	of	ADP
ctmj-30	46	19	voluntary	voluntary	ADJ
ctmj-30	46	20	participation	participation	NOUN
ctmj-30	46	21	,	,	PUNCT
ctmj-30	46	22	and	and	CCONJ
ctmj-30	46	23	concludes	conclude	VERB
ctmj-30	46	24	that	that	SCONJ
ctmj-30	46	25	insurance	insurance	NOUN
ctmj-30	46	26	can	can	AUX
ctmj-30	46	27	not	not	PART
ctmj-30	46	28	enhance	enhance	VERB
ctmj-30	46	29	network	network	NOUN
ctmj-30	46	30	security	security	NOUN
ctmj-30	46	31	in	in	ADP
ctmj-30	46	32	the	the	DET
ctmj-30	46	33	face	face	NOUN
ctmj-30	46	34	of	of	ADP
ctmj-30	46	35	moral	moral	ADJ
ctmj-30	46	36	hazard	hazard	NOUN
ctmj-30	46	37	.	.	PUNCT
ctmj-30	47	1	objectives	objective	NOUN
ctmj-30	47	2	1	1	NUM
ctmj-30	47	3	.	.	PUNCT
ctmj-30	47	4	input	input	NOUN
ctmj-30	47	5	design	design	NOUN
ctmj-30	47	6	is	be	AUX
ctmj-30	47	7	the	the	DET
ctmj-30	47	8	process	process	NOUN
ctmj-30	47	9	of	of	ADP
ctmj-30	47	10	converting	convert	VERB
ctmj-30	47	11	a	a	DET
ctmj-30	47	12	user	user	NOUN
ctmj-30	47	13	-	-	PUNCT
ctmj-30	47	14	oriented	orient	VERB
ctmj-30	47	15	description	description	NOUN
ctmj-30	47	16	of	of	ADP
ctmj-30	47	17	the	the	DET
ctmj-30	47	18	input	input	NOUN
ctmj-30	47	19	into	into	ADP
ctmj-30	47	20	a	a	DET
ctmj-30	47	21	computer	computer	NOUN
ctmj-30	47	22	-	-	PUNCT
ctmj-30	47	23	based	base	VERB
ctmj-30	47	24	system	system	NOUN
ctmj-30	47	25	.	.	PUNCT
ctmj-30	48	1	this	this	DET
ctmj-30	48	2	design	design	NOUN
ctmj-30	48	3	is	be	AUX
ctmj-30	48	4	important	important	ADJ
ctmj-30	48	5	to	to	PART
ctmj-30	48	6	avoid	avoid	VERB
ctmj-30	48	7	errors	error	NOUN
ctmj-30	48	8	in	in	ADP
ctmj-30	48	9	the	the	DET
ctmj-30	48	10	data	datum	NOUN
ctmj-30	48	11	input	input	NOUN
ctmj-30	48	12	process	process	NOUN
ctmj-30	48	13	and	and	CCONJ
ctmj-30	48	14	show	show	VERB
ctmj-30	48	15	the	the	DET
ctmj-30	48	16	correct	correct	ADJ
ctmj-30	48	17	direction	direction	NOUN
ctmj-30	48	18	to	to	ADP
ctmj-30	48	19	the	the	DET
ctmj-30	48	20	management	management	NOUN
ctmj-30	48	21	for	for	ADP
ctmj-30	48	22	getting	get	VERB
ctmj-30	48	23	correct	correct	ADJ
ctmj-30	48	24	information	information	NOUN
ctmj-30	48	25	from	from	ADP
ctmj-30	48	26	the	the	DET
ctmj-30	48	27	computerized	computerized	ADJ
ctmj-30	48	28	system	system	NOUN
ctmj-30	48	29	.	.	PUNCT
ctmj-30	49	1	2	2	X
ctmj-30	49	2	.	.	X
ctmj-30	49	3	it	it	PRON
ctmj-30	49	4	is	be	AUX
ctmj-30	49	5	achieved	achieve	VERB
ctmj-30	49	6	by	by	ADP
ctmj-30	49	7	creating	create	VERB
ctmj-30	49	8	userfriendly	userfriendly	ADV
ctmj-30	49	9	screens	screen	NOUN
ctmj-30	49	10	for	for	ADP
ctmj-30	49	11	the	the	DET
ctmj-30	49	12	data	data	NOUN
ctmj-30	49	13	entry	entry	NOUN
ctmj-30	49	14	to	to	PART
ctmj-30	49	15	handle	handle	VERB
ctmj-30	49	16	large	large	ADJ
ctmj-30	49	17	volume	volume	NOUN
ctmj-30	49	18	of	of	ADP
ctmj-30	49	19	data	data	PROPN
ctmj-30	49	20	.	.	PUNCT
ctmj-30	50	1	the	the	DET
ctmj-30	50	2	goal	goal	NOUN
ctmj-30	50	3	of	of	ADP
ctmj-30	50	4	designing	design	VERB
ctmj-30	50	5	input	input	NOUN
ctmj-30	50	6	is	be	AUX
ctmj-30	50	7	to	to	PART
ctmj-30	50	8	make	make	VERB
ctmj-30	50	9	data	datum	NOUN
ctmj-30	50	10	entry	entry	NOUN
ctmj-30	50	11	easier	easier	ADV
ctmj-30	50	12	and	and	CCONJ
ctmj-30	50	13	to	to	PART
ctmj-30	50	14	be	be	AUX
ctmj-30	50	15	free	free	ADJ
ctmj-30	50	16	from	from	ADP
ctmj-30	50	17	errors	error	NOUN
ctmj-30	50	18	.	.	PUNCT
ctmj-30	51	1	the	the	DET
ctmj-30	51	2	data	data	PROPN
ctmj-30	51	3	entry	entry	NOUN
ctmj-30	51	4	screen	screen	NOUN
ctmj-30	51	5	is	be	AUX
ctmj-30	51	6	designed	design	VERB
ctmj-30	51	7	in	in	ADP
ctmj-30	51	8	such	such	DET
ctmj-30	51	9	a	a	DET
ctmj-30	51	10	way	way	NOUN
ctmj-30	51	11	that	that	PRON
ctmj-30	51	12	all	all	DET
ctmj-30	51	13	the	the	DET
ctmj-30	51	14	data	data	NOUN
ctmj-30	51	15	manipulates	manipulate	NOUN
ctmj-30	51	16	can	can	AUX
ctmj-30	51	17	be	be	AUX
ctmj-30	51	18	performed	perform	VERB
ctmj-30	51	19	.	.	PUNCT
ctmj-30	52	1	it	it	PRON
ctmj-30	52	2	also	also	ADV
ctmj-30	52	3	provides	provide	VERB
ctmj-30	52	4	record	record	NOUN
ctmj-30	52	5	viewing	view	VERB
ctmj-30	52	6	facilities	facility	NOUN
ctmj-30	52	7	.	.	PUNCT
ctmj-30	53	1	3	3	X
ctmj-30	53	2	.	.	X
ctmj-30	53	3	when	when	SCONJ
ctmj-30	53	4	the	the	DET
ctmj-30	53	5	data	data	NOUN
ctmj-30	53	6	is	be	AUX
ctmj-30	53	7	entered	enter	VERB
ctmj-30	53	8	it	it	PRON
ctmj-30	53	9	will	will	AUX
ctmj-30	53	10	check	check	VERB
ctmj-30	53	11	for	for	ADP
ctmj-30	53	12	its	its	PRON
ctmj-30	53	13	validity	validity	NOUN
ctmj-30	53	14	.	.	PUNCT
ctmj-30	54	1	data	datum	NOUN
ctmj-30	54	2	can	can	AUX
ctmj-30	54	3	be	be	AUX
ctmj-30	54	4	entered	enter	VERB
ctmj-30	54	5	with	with	ADP
ctmj-30	54	6	the	the	DET
ctmj-30	54	7	help	help	NOUN
ctmj-30	54	8	of	of	ADP
ctmj-30	54	9	screens	screen	NOUN
ctmj-30	54	10	.	.	PUNCT
ctmj-30	55	1	appropriate	appropriate	ADJ
ctmj-30	55	2	messages	message	NOUN
ctmj-30	55	3	are	be	AUX
ctmj-30	55	4	provided	provide	VERB
ctmj-30	55	5	as	as	ADP
ctmj-30	55	6	when	when	SCONJ
ctmj-30	55	7	needed	need	VERB
ctmj-30	55	8	so	so	SCONJ
ctmj-30	55	9	that	that	SCONJ
ctmj-30	55	10	the	the	DET
ctmj-30	55	11	user	user	NOUN
ctmj-30	55	12	will	will	AUX
ctmj-30	55	13	not	not	PART
ctmj-30	55	14	be	be	AUX
ctmj-30	55	15	in	in	ADP
ctmj-30	55	16	maize	maize	NOUN
ctmj-30	55	17	of	of	ADP
ctmj-30	55	18	instant	instant	NOUN
ctmj-30	55	19	.	.	PUNCT
ctmj-30	56	1	thus	thus	ADV
ctmj-30	56	2	the	the	DET
ctmj-30	56	3	objective	objective	NOUN
ctmj-30	56	4	of	of	ADP
ctmj-30	56	5	input	input	NOUN
ctmj-30	56	6	design	design	NOUN
ctmj-30	56	7	is	be	AUX
ctmj-30	56	8	to	to	PART
ctmj-30	56	9	create	create	VERB
ctmj-30	56	10	an	an	DET
ctmj-30	56	11	input	input	NOUN
ctmj-30	56	12	layout	layout	NOUN
ctmj-30	56	13	that	that	PRON
ctmj-30	56	14	is	be	AUX
ctmj-30	56	15	easy	easy	ADJ
ctmj-30	56	16	to	to	PART
ctmj-30	56	17	follow	follow	VERB
ctmj-30	56	18	output	output	NOUN
ctmj-30	56	19	design	design	VERB
ctmj-30	56	20	a	a	DET
ctmj-30	56	21	quality	quality	NOUN
ctmj-30	56	22	output	output	NOUN
ctmj-30	56	23	is	be	AUX
ctmj-30	56	24	one	one	NUM
ctmj-30	56	25	,	,	PUNCT
ctmj-30	56	26	which	which	PRON
ctmj-30	56	27	meets	meet	VERB
ctmj-30	56	28	the	the	DET
ctmj-30	56	29	requirements	requirement	NOUN
ctmj-30	56	30	of	of	ADP
ctmj-30	56	31	the	the	DET
ctmj-30	56	32	end	end	NOUN
ctmj-30	56	33	user	user	NOUN
ctmj-30	56	34	and	and	CCONJ
ctmj-30	56	35	presents	present	VERB
ctmj-30	56	36	the	the	DET
ctmj-30	56	37	information	information	NOUN
ctmj-30	56	38	clearly	clearly	ADV
ctmj-30	56	39	.	.	PUNCT
ctmj-30	57	1	in	in	ADP
ctmj-30	57	2	any	any	DET
ctmj-30	57	3	system	system	NOUN
ctmj-30	57	4	results	result	NOUN
ctmj-30	57	5	of	of	ADP
ctmj-30	57	6	processing	processing	NOUN
ctmj-30	57	7	are	be	AUX
ctmj-30	57	8	communicated	communicate	VERB
ctmj-30	57	9	to	to	ADP
ctmj-30	57	10	the	the	DET
ctmj-30	57	11	users	user	NOUN
ctmj-30	57	12	and	and	CCONJ
ctmj-30	57	13	to	to	ADP
ctmj-30	57	14	other	other	ADJ
ctmj-30	57	15	system	system	NOUN
ctmj-30	57	16	through	through	ADP
ctmj-30	57	17	outputs	output	NOUN
ctmj-30	57	18	.	.	PUNCT
ctmj-30	58	1	in	in	ADP
ctmj-30	58	2	output	output	NOUN
ctmj-30	58	3	design	design	NOUN
ctmj-30	58	4	it	it	PRON
ctmj-30	58	5	is	be	AUX
ctmj-30	58	6	determined	determine	VERB
ctmj-30	58	7	how	how	SCONJ
ctmj-30	58	8	the	the	DET
ctmj-30	58	9	information	information	NOUN
ctmj-30	58	10	is	be	AUX
ctmj-30	58	11	to	to	PART
ctmj-30	58	12	be	be	AUX
ctmj-30	58	13	displaced	displace	VERB
ctmj-30	58	14	for	for	ADP
ctmj-30	58	15	immediate	immediate	ADJ
ctmj-30	58	16	need	need	NOUN
ctmj-30	58	17	and	and	CCONJ
ctmj-30	58	18	also	also	ADV
ctmj-30	58	19	the	the	DET
ctmj-30	58	20	hard	hard	ADJ
ctmj-30	58	21	copy	copy	NOUN
ctmj-30	58	22	output	output	NOUN
ctmj-30	58	23	.	.	PUNCT
ctmj-30	59	1	it	it	PRON
ctmj-30	59	2	is	be	AUX
ctmj-30	59	3	the	the	DET
ctmj-30	59	4	most	most	ADV
ctmj-30	59	5	important	important	ADJ
ctmj-30	59	6	and	and	CCONJ
ctmj-30	59	7	direct	direct	ADJ
ctmj-30	59	8	source	source	NOUN
ctmj-30	59	9	information	information	NOUN
ctmj-30	59	10	to	to	ADP
ctmj-30	59	11	the	the	DET
ctmj-30	59	12	user	user	NOUN
ctmj-30	59	13	.	.	PUNCT
ctmj-30	60	1	1	1	X
ctmj-30	60	2	.	.	X
ctmj-30	60	3	designing	design	VERB
ctmj-30	60	4	computer	computer	NOUN
ctmj-30	60	5	output	output	NOUN
ctmj-30	60	6	should	should	AUX
ctmj-30	60	7	proceed	proceed	VERB
ctmj-30	60	8	in	in	ADP
ctmj-30	60	9	an	an	DET
ctmj-30	60	10	organized	organized	ADJ
ctmj-30	60	11	,	,	PUNCT
ctmj-30	60	12	well	well	ADV
ctmj-30	60	13	thought	think	VERB
ctmj-30	60	14	out	out	ADP
ctmj-30	60	15	manner	manner	NOUN
ctmj-30	60	16	;	;	PUNCT
ctmj-30	60	17	the	the	DET
ctmj-30	60	18	right	right	ADJ
ctmj-30	60	19	output	output	NOUN
ctmj-30	60	20	must	must	AUX
ctmj-30	60	21	be	be	AUX
ctmj-30	60	22	developed	develop	VERB
ctmj-30	60	23	while	while	SCONJ
ctmj-30	60	24	ensuring	ensure	VERB
ctmj-30	60	25	that	that	SCONJ
ctmj-30	60	26	each	each	DET
ctmj-30	60	27	output	output	NOUN
ctmj-30	60	28	element	element	NOUN
ctmj-30	60	29	is	be	AUX
ctmj-30	60	30	designed	design	VERB
ctmj-30	60	31	so	so	SCONJ
ctmj-30	60	32	that	that	SCONJ
ctmj-30	60	33	people	people	NOUN
ctmj-30	60	34	will	will	AUX
ctmj-30	60	35	find	find	VERB
ctmj-30	60	36	the	the	DET
ctmj-30	60	37	system	system	NOUN
ctmj-30	60	38	can	can	AUX
ctmj-30	60	39	use	use	VERB
ctmj-30	60	40	easily	easily	ADV
ctmj-30	60	41	and	and	CCONJ
ctmj-30	60	42	effectively	effectively	ADV
ctmj-30	60	43	.	.	PUNCT
ctmj-30	61	1	when	when	SCONJ
ctmj-30	61	2	analysis	analysis	NOUN
ctmj-30	61	3	design	design	NOUN
ctmj-30	61	4	computer	computer	NOUN
ctmj-30	61	5	output	output	NOUN
ctmj-30	61	6	,	,	PUNCT
ctmj-30	61	7	they	they	PRON
ctmj-30	61	8	should	should	AUX
ctmj-30	61	9	identify	identify	VERB
ctmj-30	61	10	the	the	DET
ctmj-30	61	11	specific	specific	ADJ
ctmj-30	61	12	output	output	NOUN
ctmj-30	61	13	that	that	PRON
ctmj-30	61	14	is	be	AUX
ctmj-30	61	15	needed	need	VERB
ctmj-30	61	16	to	to	PART
ctmj-30	61	17	meet	meet	VERB
ctmj-30	61	18	the	the	DET
ctmj-30	61	19	requirements	requirement	NOUN
ctmj-30	61	20	.	.	PUNCT
ctmj-30	62	1	2.select	2.select	NUM
ctmj-30	62	2	methods	method	NOUN
ctmj-30	62	3	for	for	ADP
ctmj-30	62	4	presenting	present	VERB
ctmj-30	62	5	information	information	NOUN
ctmj-30	62	6	.	.	PUNCT
ctmj-30	63	1	3.create	3.create	NUM
ctmj-30	63	2	document	document	NOUN
ctmj-30	63	3	,	,	PUNCT
ctmj-30	63	4	report	report	NOUN
ctmj-30	63	5	,	,	PUNCT
ctmj-30	63	6	or	or	CCONJ
ctmj-30	63	7	other	other	ADJ
ctmj-30	63	8	formats	format	NOUN
ctmj-30	63	9	that	that	PRON
ctmj-30	63	10	contain	contain	VERB
ctmj-30	63	11	information	information	NOUN
ctmj-30	63	12	produced	produce	VERB
ctmj-30	63	13	by	by	ADP
ctmj-30	63	14	the	the	DET
ctmj-30	63	15	system	system	NOUN
ctmj-30	63	16	.	.	PUNCT
ctmj-30	64	1	the	the	DET
ctmj-30	64	2	output	output	NOUN
ctmj-30	64	3	form	form	NOUN
ctmj-30	64	4	of	of	ADP
ctmj-30	64	5	an	an	DET
ctmj-30	64	6	information	information	NOUN
ctmj-30	64	7	system	system	NOUN
ctmj-30	64	8	should	should	AUX
ctmj-30	64	9	accomplish	accomplish	VERB
ctmj-30	64	10	one	one	NUM
ctmj-30	64	11	or	or	CCONJ
ctmj-30	64	12	more	more	ADJ
ctmj-30	64	13	of	of	ADP
ctmj-30	64	14	the	the	DET
ctmj-30	64	15	following	following	ADJ
ctmj-30	64	16	objectives	objective	NOUN
ctmj-30	64	17	.	.	PUNCT
ctmj-30	65	1			PRON
ctmj-30	65	2	convey	convey	VERB
ctmj-30	65	3	information	information	NOUN
ctmj-30	65	4	about	about	ADP
ctmj-30	65	5	past	past	ADJ
ctmj-30	65	6	activities	activity	NOUN
ctmj-30	65	7	,	,	PUNCT
ctmj-30	65	8	current	current	ADJ
ctmj-30	65	9	status	status	NOUN
ctmj-30	65	10	or	or	CCONJ
ctmj-30	65	11	projections	projection	NOUN
ctmj-30	65	12	of	of	ADP
ctmj-30	65	13	thefuture	thefuture	NOUN
ctmj-30	65	14	.	.	PUNCT
ctmj-30	66	1			PROPN
ctmj-30	66	2	signal	signal	VERB
ctmj-30	66	3	important	important	ADJ
ctmj-30	66	4	events	event	NOUN
ctmj-30	66	5	,	,	PUNCT
ctmj-30	66	6	opportunities	opportunity	NOUN
ctmj-30	66	7	,	,	PUNCT
ctmj-30	66	8	problems	problem	NOUN
ctmj-30	66	9	,	,	PUNCT
ctmj-30	66	10	or	or	CCONJ
ctmj-30	66	11	warnings	warning	NOUN
ctmj-30	66	12	.	.	PUNCT
ctmj-30	67	1			NOUN
ctmj-30	67	2	trigger	trigger	VERB
ctmj-30	67	3	an	an	DET
ctmj-30	67	4	action	action	NOUN
ctmj-30	67	5	.	.	PUNCT
ctmj-30	68	1			PRON
ctmj-30	68	2	confirm	confirm	VERB
ctmj-30	68	3	an	an	DET
ctmj-30	68	4	action	action	NOUN
ctmj-30	68	5	.	.	PUNCT
ctmj-30	69	1	system	system	NOUN
ctmj-30	69	2	architecture	architecture	NOUN
ctmj-30	69	3	this	this	DET
ctmj-30	69	4	growing	grow	VERB
ctmj-30	69	5	market	market	NOUN
ctmj-30	69	6	has	have	AUX
ctmj-30	69	7	motivated	motivate	VERB
ctmj-30	69	8	an	an	DET
ctmj-30	69	9	extensive	extensive	ADJ
ctmj-30	69	10	literature	literature	NOUN
ctmj-30	69	11	which	which	PRON
ctmj-30	69	12	aims	aim	VERB
ctmj-30	69	13	to	to	PART
ctmj-30	69	14	understand	understand	VERB
ctmj-30	69	15	the	the	DET
ctmj-30	69	16	unique	unique	ADJ
ctmj-30	69	17	characteristics	characteristic	NOUN
ctmj-30	69	18	of	of	ADP
ctmj-30	69	19	these	these	DET
ctmj-30	69	20	emerging	emerge	VERB
ctmj-30	69	21	contracts	contract	NOUN
ctmj-30	69	22	,	,	PUNCT
ctmj-30	69	23	their	their	PRON
ctmj-30	69	24	effect	effect	NOUN
ctmj-30	69	25	on	on	ADP
ctmj-30	69	26	the	the	DET
ctmj-30	69	27	insureds	insured	NOUN
ctmj-30	69	28	’	'	PUNCT
ctmj-30	69	29	security	security	NOUN
ctmj-30	69	30	expenditure	expenditure	NOUN
ctmj-30	69	31	,	,	PUNCT
ctmj-30	69	32	and	and	CCONJ
ctmj-30	69	33	the	the	DET
ctmj-30	69	34	possibility	possibility	NOUN
ctmj-30	69	35	of	of	ADP
ctmj-30	69	36	leveraging	leverage	VERB
ctmj-30	69	37	these	these	DET
ctmj-30	69	38	contracts	contract	NOUN
ctmj-30	69	39	to	to	PART
ctmj-30	69	40	shape	shape	VERB
ctmj-30	69	41	users	user	NOUN
ctmj-30	69	42	’	'	PUNCT
ctmj-30	69	43	behavior	behavior	NOUN
ctmj-30	69	44	and	and	CCONJ
ctmj-30	69	45	improve	improve	VERB
ctmj-30	69	46	the	the	DET
ctmj-30	69	47	state	state	NOUN
ctmj-30	69	48	of	of	ADP
ctmj-30	69	49	cybersecurity	cybersecurity	NOUN
ctmj-30	69	50	;	;	PUNCT
ctmj-30	69	51	see	see	VERB
ctmj-30	69	52	section	section	PROPN
ctmj-30	69	53	ii	ii	PROPN
ctmj-30	69	54	for	for	ADP
ctmj-30	69	55	an	an	DET
ctmj-30	69	56	overview	overview	NOUN
ctmj-30	69	57	of	of	ADP
ctmj-30	69	58	the	the	DET
ctmj-30	69	59	related	related	ADJ
ctmj-30	69	60	literature	literature	NOUN
ctmj-30	69	61	.	.	PUNCT
ctmj-30	70	1	the	the	DET
ctmj-30	70	2	conclusions	conclusion	NOUN
ctmj-30	70	3	of	of	ADP
ctmj-30	70	4	these	these	DET
ctmj-30	70	5	studies	study	NOUN
ctmj-30	70	6	depend	depend	VERB
ctmj-30	70	7	on	on	ADP
ctmj-30	70	8	the	the	DET
ctmj-30	70	9	assumptions	assumption	NOUN
ctmj-30	70	10	on	on	ADP
ctmj-30	70	11	the	the	DET
ctmj-30	70	12	insurance	insurance	NOUN
ctmj-30	70	13	market	market	NOUN
ctmj-30	70	14	model	model	NOUN
ctmj-30	70	15	(	(	PUNCT
ctmj-30	70	16	profit	profit	NOUN
ctmj-30	70	17	maker	maker	NOUN
ctmj-30	70	18	vs.	vs.	ADP
ctmj-30	70	19	welfare	welfare	NOUN
ctmj-30	70	20	maximizing	maximize	VERB
ctmj-30	70	21	insurers	insurer	NOUN
ctmj-30	70	22	)	)	PUNCT
ctmj-30	70	23	,	,	PUNCT
ctmj-30	70	24	the	the	DET
ctmj-30	70	25	agents	agent	NOUN
ctmj-30	70	26	’	'	PUNCT
ctmj-30	70	27	(	(	PUNCT
ctmj-30	70	28	insured	insure	VERB
ctmj-30	70	29	’s	’s	NOUN
ctmj-30	70	30	)	)	PUNCT
ctmj-30	70	31	participation	participation	NOUN
ctmj-30	70	32	decisions	decision	NOUN
ctmj-30	70	33	(	(	PUNCT
ctmj-30	70	34	compulsory	compulsory	ADJ
ctmj-30	70	35	vs.	vs.	ADP
ctmj-30	70	36	voluntary	voluntary	ADJ
ctmj-30	70	37	insurance	insurance	NOUN
ctmj-30	70	38	)	)	PUNCT
ctmj-30	70	39	,	,	PUNCT
ctmj-30	70	40	and	and	CCONJ
ctmj-30	70	41	the	the	DET
ctmj-30	70	42	assumed	assumed	ADJ
ctmj-30	70	43	model	model	NOUN
ctmj-30	70	44	of	of	ADP
ctmj-30	70	45	interdependency	interdependency	NOUN
ctmj-30	70	46	among	among	ADP
ctmj-30	70	47	the	the	DET
ctmj-30	70	48	insured	insure	VERB
ctmj-30	70	49	.	.	PUNCT
ctmj-30	71	1	screens	screen	NOUN
ctmj-30	71	2	shots	shot	VERB
ctmj-30	71	3	conclusion	conclusion	NOUN
ctmj-30	71	4	we	we	PRON
ctmj-30	71	5	looked	look	VERB
ctmj-30	71	6	at	at	ADP
ctmj-30	71	7	the	the	DET
ctmj-30	71	8	issue	issue	NOUN
ctmj-30	71	9	of	of	ADP
ctmj-30	71	10	a	a	DET
ctmj-30	71	11	single	single	ADJ
ctmj-30	71	12	profit	profit	NOUN
ctmj-30	71	13	-	-	PUNCT
ctmj-30	71	14	maximizing	maximize	VERB
ctmj-30	71	15	insurer	insurer	NOUN
ctmj-30	71	16	establishing	establish	VERB
ctmj-30	71	17	cyber	cyber	NOUN
ctmj-30	71	18	insurance	insurance	NOUN
ctmj-30	71	19	contracts	contract	NOUN
ctmj-30	71	20	for	for	ADP
ctmj-30	71	21	both	both	DET
ctmj-30	71	22	risk	risk	NOUN
ctmj-30	71	23	-	-	PUNCT
ctmj-30	71	24	neutral	neutral	ADJ
ctmj-30	71	25	and	and	CCONJ
ctmj-30	71	26	risk	risk	NOUN
ctmj-30	71	27	-	-	PUNCT
ctmj-30	71	28	averse	averse	ADJ
ctmj-30	71	29	agents	agent	NOUN
ctmj-30	71	30	.	.	PUNCT
ctmj-30	72	1	we	we	PRON
ctmj-30	72	2	demonstrated	demonstrate	VERB
ctmj-30	72	3	that	that	SCONJ
ctmj-30	72	4	although	although	SCONJ
ctmj-30	72	5	introducing	introduce	VERB
ctmj-30	72	6	insurance	insurance	NOUN
ctmj-30	72	7	reduces	reduce	VERB
ctmj-30	72	8	network	network	NOUN
ctmj-30	72	9	security	security	NOUN
ctmj-30	72	10	amongst	amongst	ADP
ctmj-30	72	11	unrelated	unrelated	ADJ
ctmj-30	72	12	agents	agent	NOUN
ctmj-30	72	13	,	,	PUNCT
ctmj-30	72	14	the	the	DET
ctmj-30	72	15	outcome	outcome	NOUN
ctmj-30	72	16	may	may	AUX
ctmj-30	72	17	change	change	VERB
ctmj-30	72	18	between	between	ADP
ctmj-30	72	19	related	related	ADJ
ctmj-30	72	20	agents	agent	NOUN
ctmj-30	72	21	.	.	PUNCT
ctmj-30	73	1	in	in	ADP
ctmj-30	73	2	particular	particular	ADJ
ctmj-30	73	3	,	,	PUNCT
ctmj-30	73	4	we	we	PRON
ctmj-30	73	5	demonstrated	demonstrate	VERB
ctmj-30	73	6	that	that	SCONJ
ctmj-30	73	7	the	the	DET
ctmj-30	73	8	inefficient	inefficient	ADJ
ctmj-30	73	9	effort	effort	NOUN
ctmj-30	73	10	levels	level	NOUN
ctmj-30	73	11	exerted	exert	VERB
ctmj-30	73	12	by	by	ADP
ctmj-30	73	13	free	free	ADJ
ctmj-30	73	14	-	-	PUNCT
ctmj-30	73	15	riding	ride	VERB
ctmj-30	73	16	agents	agent	NOUN
ctmj-30	73	17	when	when	SCONJ
ctmj-30	73	18	insurance	insurance	NOUN
ctmj-30	73	19	is	be	AUX
ctmj-30	73	20	unavailable	unavailable	ADJ
ctmj-30	73	21	but	but	CCONJ
ctmj-30	73	22	interdependency	interdependency	NOUN
ctmj-30	73	23	is	be	AUX
ctmj-30	73	24	present	present	ADJ
ctmj-30	73	25	creates	create	VERB
ctmj-30	73	26	a	a	DET
ctmj-30	73	27	profit	profit	NOUN
ctmj-30	73	28	opportunity	opportunity	NOUN
ctmj-30	73	29	for	for	ADP
ctmj-30	73	30	the	the	DET
ctmj-30	73	31	insurer	insurer	NOUN
ctmj-30	73	32	,	,	PUNCT
ctmj-30	73	33	in	in	ADP
ctmj-30	73	34	addition	addition	NOUN
ctmj-30	73	35	to	to	ADP
ctmj-30	73	36	the	the	DET
ctmj-30	73	37	typical	typical	ADJ
ctmj-30	73	38	profit	profit	NOUN
ctmj-30	73	39	that	that	PRON
ctmj-30	73	40	an	an	DET
ctmj-30	73	41	insurer	insurer	NOUN
ctmj-30	73	42	earns	earn	VERB
ctmj-30	73	43	from	from	ADP
ctmj-30	73	44	risk	risk	NOUN
ctmj-30	73	45	transfer	transfer	NOUN
ctmj-30	73	46	.	.	PUNCT
ctmj-30	74	1	we	we	PRON
ctmj-30	74	2	demonstrated	demonstrate	VERB
ctmj-30	74	3	that	that	SCONJ
ctmj-30	74	4	security	security	NOUN
ctmj-30	74	5	prescreening	prescreening	NOUN
ctmj-30	74	6	provides	provide	VERB
ctmj-30	74	7	the	the	DET
ctmj-30	74	8	insurer	insurer	NOUN
ctmj-30	74	9	with	with	ADP
ctmj-30	74	10	a	a	DET
ctmj-30	74	11	chance	chance	NOUN
ctmj-30	74	12	to	to	PART
ctmj-30	74	13	boost	boost	VERB
ctmj-30	74	14	profits	profit	NOUN
ctmj-30	74	15	by	by	ADP
ctmj-30	74	16	marketing	marketing	NOUN
ctmj-30	74	17	commitment	commitment	NOUN
ctmj-30	74	18	to	to	ADP
ctmj-30	74	19	mutually	mutually	ADV
ctmj-30	74	20	dependent	dependent	ADJ
ctmj-30	74	21	agents	agent	NOUN
ctmj-30	74	22	and	and	CCONJ
ctmj-30	74	23	creating	create	VERB
ctmj-30	74	24	incentives	incentive	NOUN
ctmj-30	74	25	for	for	SCONJ
ctmj-30	74	26	agents	agent	NOUN
ctmj-30	74	27	to	to	PART
ctmj-30	74	28	put	put	VERB
ctmj-30	74	29	in	in	ADP
ctmj-30	74	30	more	more	ADJ
ctmj-30	74	31	effort	effort	NOUN
ctmj-30	74	32	.	.	PUNCT
ctmj-30	75	1	we	we	PRON
ctmj-30	75	2	demonstrate	demonstrate	VERB
ctmj-30	75	3	the	the	DET
ctmj-30	75	4	circumstances	circumstance	NOUN
ctmj-30	75	5	under	under	ADP
ctmj-30	75	6	which	which	PRON
ctmj-30	75	7	these	these	DET
ctmj-30	75	8	contracts	contract	NOUN
ctmj-30	75	9	lead	lead	VERB
ctmj-30	75	10	to	to	ADP
ctmj-30	75	11	not	not	PART
ctmj-30	75	12	only	only	ADV
ctmj-30	75	13	better	well	ADJ
ctmj-30	75	14	network	network	NOUN
ctmj-30	75	15	security	security	NOUN
ctmj-30	75	16	but	but	CCONJ
ctmj-30	75	17	also	also	ADV
ctmj-30	75	18	higher	high	ADJ
ctmj-30	75	19	profits	profit	NOUN
ctmj-30	75	20	for	for	ADP
ctmj-30	75	21	the	the	DET
ctmj-30	75	22	principal	principal	NOUN
ctmj-30	75	23	and	and	CCONJ
ctmj-30	75	24	more	more	ADJ
ctmj-30	75	25	benefits	benefit	NOUN
ctmj-30	75	26	for	for	ADP
ctmj-30	75	27	the	the	DET
ctmj-30	75	28	agents	agent	NOUN
ctmj-30	75	29	.	.	PUNCT
ctmj-30	76	1	future	future	ADJ
ctmj-30	76	2	enhancements	enhancement	NOUN
ctmj-30	76	3	studying	study	VERB
ctmj-30	76	4	the	the	DET
ctmj-30	76	5	problem	problem	NOUN
ctmj-30	76	6	with	with	ADP
ctmj-30	76	7	pre	pre	ADJ
ctmj-30	76	8	-	-	ADJ
ctmj-30	76	9	screening	screen	VERB
ctmj-30	76	10	under	under	ADP
ctmj-30	76	11	partial	partial	ADJ
ctmj-30	76	12	information	information	NOUN
ctmj-30	76	13	assumptions	assumption	NOUN
ctmj-30	76	14	would	would	AUX
ctmj-30	76	15	be	be	AUX
ctmj-30	76	16	an	an	DET
ctmj-30	76	17	important	important	ADJ
ctmj-30	76	18	direction	direction	NOUN
ctmj-30	76	19	of	of	ADP
ctmj-30	76	20	future	future	ADJ
ctmj-30	76	21	research	research	NOUN
ctmj-30	76	22	;	;	PUNCT
ctmj-30	76	23	this	this	PRON
ctmj-30	76	24	would	would	AUX
ctmj-30	76	25	include	include	VERB
ctmj-30	76	26	imperfect	imperfect	ADJ
ctmj-30	76	27	knowledge	knowledge	NOUN
ctmj-30	76	28	of	of	ADP
ctmj-30	76	29	the	the	DET
ctmj-30	76	30	agents	agent	NOUN
ctmj-30	76	31	’	'	PUNCT
ctmj-30	76	32	type	type	NOUN
ctmj-30	76	33	by	by	ADP
ctmj-30	76	34	the	the	DET
ctmj-30	76	35	principal	principal	NOUN
ctmj-30	76	36	as	as	ADV
ctmj-30	76	37	well	well	ADV
ctmj-30	76	38	as	as	ADP
ctmj-30	76	39	imperfect	imperfect	ADJ
ctmj-30	76	40	knowledge	knowledge	NOUN
ctmj-30	76	41	of	of	ADP
ctmj-30	76	42	the	the	DET
ctmj-30	76	43	interdependence	interdependence	NOUN
ctmj-30	76	44	relationship	relationship	NOUN
ctmj-30	76	45	by	by	ADP
ctmj-30	76	46	the	the	DET
ctmj-30	76	47	agents	agent	NOUN
ctmj-30	76	48	and	and	CCONJ
ctmj-30	76	49	the	the	DET
ctmj-30	76	50	principal	principal	NOUN
ctmj-30	76	51	.	.	PUNCT
ctmj-30	77	1	other	other	ADJ
ctmj-30	77	2	modeling	modeling	NOUN
ctmj-30	77	3	choices	choice	NOUN
ctmj-30	77	4	such	such	ADJ
ctmj-30	77	5	as	as	ADP
ctmj-30	77	6	alternative	alternative	ADJ
ctmj-30	77	7	use	use	NOUN
ctmj-30	77	8	of	of	ADP
ctmj-30	77	9	pre	pre	ADJ
ctmj-30	77	10	-	-	ADJ
ctmj-30	77	11	screening	screen	VERB
ctmj-30	77	12	assessment	assessment	NOUN
ctmj-30	77	13	(	(	PUNCT
ctmj-30	77	14	as	as	SCONJ
ctmj-30	77	15	opposed	oppose	VERB
ctmj-30	77	16	to	to	PART
ctmj-30	77	17	linear	linear	VERB
ctmj-30	77	18	discounts	discount	NOUN
ctmj-30	77	19	on	on	ADP
ctmj-30	77	20	premiums	premium	NOUN
ctmj-30	77	21	)	)	PUNCT
ctmj-30	77	22	,	,	PUNCT
ctmj-30	77	23	and	and	CCONJ
ctmj-30	77	24	more	more	ADV
ctmj-30	77	25	general	general	ADJ
ctmj-30	77	26	ways	way	NOUN
ctmj-30	77	27	of	of	ADP
ctmj-30	77	28	capturing	capture	VERB
ctmj-30	77	29	correlated	correlated	ADJ
ctmj-30	77	30	risks	risk	NOUN
ctmj-30	77	31	(	(	PUNCT
ctmj-30	77	32	e.g.	e.g.	ADV
ctmj-30	77	33	,	,	PUNCT
ctmj-30	77	34	joint	joint	ADJ
ctmj-30	77	35	distribution	distribution	NOUN
ctmj-30	77	36	of	of	ADP
ctmj-30	77	37	losses	loss	NOUN
ctmj-30	77	38	as	as	SCONJ
ctmj-30	77	39	opposed	oppose	VERB
ctmj-30	77	40	to	to	PART
ctmj-30	77	41	average	average	ADJ
ctmj-30	77	42	loss	loss	NOUN
ctmj-30	77	43	being	be	AUX
ctmj-30	77	44	a	a	DET
ctmj-30	77	45	function	function	NOUN
ctmj-30	77	46	of	of	ADP
ctmj-30	77	47	joint	joint	ADJ
ctmj-30	77	48	effort	effort	NOUN
ctmj-30	77	49	)	)	PUNCT
ctmj-30	77	50	,	,	PUNCT
ctmj-30	77	51	would	would	AUX
ctmj-30	77	52	also	also	ADV
ctmj-30	77	53	be	be	AUX
ctmj-30	77	54	of	of	ADP
ctmj-30	77	55	great	great	ADJ
ctmj-30	77	56	interest	interest	NOUN
ctmj-30	77	57	.	.	PUNCT
ctmj-30	78	1	finally	finally	ADV
ctmj-30	78	2	,	,	PUNCT
ctmj-30	78	3	a	a	DET
ctmj-30	78	4	competitive	competitive	ADJ
ctmj-30	78	5	market	market	NOUN
ctmj-30	78	6	setting	setting	NOUN
ctmj-30	78	7	and	and	CCONJ
ctmj-30	78	8	its	its	PRON
ctmj-30	78	9	effects	effect	NOUN
ctmj-30	78	10	on	on	ADP
ctmj-30	78	11	network	network	NOUN
ctmj-30	78	12	security	security	NOUN
ctmj-30	78	13	is	be	AUX
ctmj-30	78	14	also	also	ADV
ctmj-30	78	15	worth	worth	ADJ
ctmj-30	78	16	studying	study	VERB
ctmj-30	78	17	.	.	PUNCT
ctmj-30	79	1	bibilography	bibilography	NOUN
ctmj-30	79	2	[	[	X
ctmj-30	79	3	1	1	X
ctmj-30	79	4	]	]	PUNCT
ctmj-30	79	5	m.	m.	NOUN
ctmj-30	79	6	m.	m.	PROPN
ctmj-30	79	7	khalili	khalili	PROPN
ctmj-30	79	8	,	,	PUNCT
ctmj-30	79	9	p.	p.	NOUN
ctmj-30	79	10	naghizadeh	naghizadeh	PROPN
ctmj-30	79	11	,	,	PUNCT
ctmj-30	79	12	and	and	CCONJ
ctmj-30	79	13	m.	m.	PROPN
ctmj-30	79	14	liu	liu	PROPN
ctmj-30	79	15	,	,	PUNCT
ctmj-30	79	16	―designing	―designe	VERB
ctmj-30	79	17	cyber	cyber	NOUN
ctmj-30	79	18	insurance	insurance	NOUN
ctmj-30	79	19	policies	policy	NOUN
ctmj-30	79	20	:	:	PUNCT
ctmj-30	79	21	mitigating	mitigate	VERB
ctmj-30	79	22	moral	moral	ADJ
ctmj-30	79	23	hazard	hazard	NOUN
ctmj-30	79	24	through	through	ADP
ctmj-30	79	25	security	security	NOUN
ctmj-30	79	26	prescreening,‖	prescreening,‖	PROPN
ctmj-30	79	27	in	in	ADP
ctmj-30	79	28	the	the	DET
ctmj-30	79	29	7th	7th	ADJ
ctmj-30	79	30	international	international	ADJ
ctmj-30	79	31	eai	eai	PROPN
ctmj-30	79	32	conference	conference	NOUN
ctmj-30	79	33	on	on	ADP
ctmj-30	79	34	game	game	NOUN
ctmj-30	79	35	theory	theory	NOUN
ctmj-30	79	36	fo	fo	ADP
ctmj-30	79	37	networks	network	NOUN
ctmj-30	79	38	(	(	PUNCT
ctmj-30	79	39	gamenets	gamenet	NOUN
ctmj-30	79	40	)	)	PUNCT
ctmj-30	79	41	,	,	PUNCT
ctmj-30	79	42	2017	2017	NUM
ctmj-30	79	43	.	.	PUNCT
ctmj-30	80	1	[	[	X
ctmj-30	80	2	2	2	NUM
ctmj-30	80	3	]	]	PUNCT
ctmj-30	80	4	m.	m.	NOUN
ctmj-30	80	5	m.	m.	PROPN
ctmj-30	80	6	khalili	khalili	PROPN
ctmj-30	80	7	,	,	PUNCT
ctmj-30	80	8	p.	p.	NOUN
ctmj-30	80	9	naghizadeh	naghizadeh	PROPN
ctmj-30	80	10	,	,	PUNCT
ctmj-30	80	11	and	and	CCONJ
ctmj-30	80	12	m.	m.	PROPN
ctmj-30	80	13	liu	liu	PROPN
ctmj-30	80	14	,	,	PUNCT
ctmj-30	80	15	―designing	―designe	VERB
ctmj-30	80	16	cyber	cyber	NOUN
ctmj-30	80	17	insurance	insurance	NOUN
ctmj-30	80	18	policies	policy	NOUN
ctmj-30	80	19	in	in	ADP
ctmj-30	80	20	the	the	DET
ctmj-30	80	21	presence	presence	NOUN
ctmj-30	80	22	of	of	ADP
ctmj-30	80	23	security	security	NOUN
ctmj-30	80	24	interdependence,‖	interdependence,‖	PROPN
ctmj-30	80	25	in	in	ADP
ctmj-30	80	26	the	the	DET
ctmj-30	80	27	12th	12th	ADJ
ctmj-30	80	28	workshop	workshop	NOUN
ctmj-30	80	29	on	on	ADP
ctmj-30	80	30	the	the	DET
ctmj-30	80	31	economics	economic	NOUN
ctmj-30	80	32	of	of	ADP
ctmj-30	80	33	networks	network	NOUN
ctmj-30	80	34	,	,	PUNCT
ctmj-30	80	35	systems	system	NOUN
ctmj-30	80	36	and	and	CCONJ
ctmj-30	80	37	computation	computation	NOUN
ctmj-30	80	38	(	(	PUNCT
ctmj-30	80	39	netecon	netecon	NOUN
ctmj-30	80	40	)	)	PUNCT
ctmj-30	80	41	,	,	PUNCT
ctmj-30	80	42	2017	2017	NUM
ctmj-30	80	43	.	.	PUNCT
ctmj-30	81	1	[	[	X
ctmj-30	81	2	3	3	X
ctmj-30	81	3	]	]	X
ctmj-30	81	4	c.	c.	PROPN
ctmj-30	81	5	hemenwa	hemenwa	PROPN
ctmj-30	81	6	,	,	PUNCT
ctmj-30	81	7	―abi	―abi	PROPN
ctmj-30	81	8	research	research	NOUN
ctmj-30	81	9	:	:	PUNCT
ctmj-30	81	10	cyber	cyber	NOUN
ctmj-30	81	11	insurance	insurance	NOUN
ctmj-30	81	12	market	market	NOUN
ctmj-30	81	13	to	to	PART
ctmj-30	81	14	reach	reach	VERB
ctmj-30	81	15	$	$	SYM
ctmj-30	81	16	10b	10b	NUM
ctmj-30	81	17	by	by	ADP
ctmj-30	81	18	2020,‖	2020,‖	NUM
ctmj-30	81	19	www.advisenltd.com/2015/07/30/abiresearchcyber-insurance-market-to-reach-10b-by	www.advisenltd.com/2015/07/30/abiresearchcyber-insurance-market-to-reach-10b-by	ADJ
ctmj-30	81	20	2020/	2020/	NUM
ctmj-30	81	21	,	,	PUNCT
ctmj-30	81	22	2015	2015	NUM
ctmj-30	81	23	.	.	PUNCT
ctmj-30	82	1	[	[	X
ctmj-30	82	2	4	4	NUM
ctmj-30	82	3	]	]	PUNCT
ctmj-30	82	4	insurance	insurance	NOUN
ctmj-30	82	5	information	information	PROPN
ctmj-30	82	6	institute	institute	PROPN
ctmj-30	82	7	,	,	PUNCT
ctmj-30	82	8	―u.s	―u.s	PROPN
ctmj-30	82	9	.	.	PROPN
ctmj-30	82	10	cyber	cyber	PROPN
ctmj-30	82	11	insurance	insurance	NOUN
ctmj-30	82	12	market	market	NOUN
ctmj-30	82	13	demonstrates	demonstrate	VERB
ctmj-30	82	14	growth	growth	NOUN
ctmj-30	82	15	,	,	PUNCT
ctmj-30	82	16	innovation	innovation	NOUN
ctmj-30	82	17	in	in	ADP
ctmj-30	82	18	wake	wake	NOUN
ctmj-30	82	19	of	of	ADP
ctmj-30	82	20	high	high	ADJ
ctmj-30	82	21	profile	profile	NOUN
ctmj-30	82	22	data	datum	NOUN
ctmj-30	82	23	breaches,‖	breaches,‖	PROPN
ctmj-30	82	24	www.iii.org/pressrelease/us-cyberinsurancemarketdemonstrates-growthinnovation-in-wakeof-high-profile-databreaches102015	www.iii.org/pressrelease/us-cyberinsurancemarketdemonstrates-growthinnovation-in-wakeof-high-profile-databreaches102015	NOUN
ctmj-30	82	25	,	,	PUNCT
ctmj-30	82	26	2015	2015	NUM
ctmj-30	82	27	.	.	PUNCT
ctmj-30	83	1	[	[	X
ctmj-30	83	2	5	5	NUM
ctmj-30	83	3	]	]	X
ctmj-30	83	4	n.	n.	PROPN
ctmj-30	83	5	shetty	shetty	PROPN
ctmj-30	83	6	,	,	PUNCT
ctmj-30	83	7	g.	g.	PROPN
ctmj-30	83	8	schwartz	schwartz	PROPN
ctmj-30	83	9	,	,	PUNCT
ctmj-30	83	10	and	and	CCONJ
ctmj-30	83	11	j.	j.	PROPN
ctmj-30	83	12	walrand	walrand	PROPN
ctmj-30	83	13	,	,	PUNCT
ctmj-30	83	14	―can	―can	ADJ
ctmj-30	83	15	competitive	competitive	ADJ
ctmj-30	83	16	insurers	insurer	NOUN
ctmj-30	83	17	improve	improve	VERB
ctmj-30	83	18	network	network	NOUN
ctmj-30	83	19	security?,‖	security?,‖	NOUN
ctmj-30	83	20	in	in	ADP
ctmj-30	83	21	the	the	DET
ctmj-30	83	22	third	third	ADJ
ctmj-30	83	23	international	international	ADJ
ctmj-30	83	24	conference	conference	NOUN
ctmj-30	83	25	on	on	ADP
ctmj-30	83	26	trust	trust	NOUN
ctmj-30	83	27	and	and	CCONJ
ctmj-30	83	28	trustworthy	trustworthy	ADJ
ctmj-30	83	29	computing	computing	NOUN
ctmj-30	83	30	(	(	PUNCT
ctmj-30	83	31	trust	trust	PROPN
ctmj-30	83	32	)	)	PUNCT
ctmj-30	83	33	,	,	PUNCT
ctmj-30	83	34	2010	2010	NUM
ctmj-30	83	35	.	.	PUNCT
ctmj-30	84	1	[	[	X
ctmj-30	84	2	6	6	NUM
ctmj-30	84	3	]	]	X
ctmj-30	84	4	n.	n.	PROPN
ctmj-30	84	5	shetty	shetty	PROPN
ctmj-30	84	6	,	,	PUNCT
ctmj-30	84	7	g.	g.	PROPN
ctmj-30	84	8	schwartz	schwartz	PROPN
ctmj-30	84	9	,	,	PUNCT
ctmj-30	84	10	m.	m.	NOUN
ctmj-30	84	11	felegyhazi	felegyhazi	PROPN
ctmj-30	84	12	,	,	PUNCT
ctmj-30	84	13	and	and	CCONJ
ctmj-30	84	14	j.	j.	PROPN
ctmj-30	84	15	walrand	walrand	PROPN
ctmj-30	84	16	,	,	PUNCT
ctmj-30	84	17	―competitive	―competitive	ADJ
ctmj-30	84	18	cyberinsurance	cyberinsurance	NOUN
ctmj-30	84	19	and	and	CCONJ
ctmj-30	84	20	internet	internet	NOUN
ctmj-30	84	21	security,‖	security,‖	PROPN
ctmj-30	84	22	economics	economic	NOUN
ctmj-30	84	23	of	of	ADP
ctmj-30	84	24	information	information	NOUN
ctmj-30	84	25	security	security	NOUN
ctmj-30	84	26	and	and	CCONJ
ctmj-30	84	27	privacy	privacy	NOUN
ctmj-30	84	28	,	,	PUNCT
ctmj-30	84	29	pp	pp	X
ctmj-30	84	30	.	.	PUNCT
ctmj-30	85	1	229–247	229–247	NUM
ctmj-30	85	2	,	,	PUNCT
ctmj-30	85	3	2010	2010	NUM
ctmj-30	85	4	.	.	PUNCT
ctmj-30	86	1	[	[	X
ctmj-30	86	2	7	7	X
ctmj-30	86	3	]	]	X
ctmj-30	86	4	g.	g.	PROPN
ctmj-30	86	5	schwartz	schwartz	PROPN
ctmj-30	86	6	,	,	PUNCT
ctmj-30	86	7	n.	n.	PROPN
ctmj-30	86	8	shetty	shetty	PROPN
ctmj-30	86	9	,	,	PUNCT
ctmj-30	86	10	and	and	CCONJ
ctmj-30	86	11	j.	j.	PROPN
ctmj-30	86	12	walrand	walrand	PROPN
ctmj-30	86	13	,	,	PUNCT
ctmj-30	86	14	―cyber	―cyber	NOUN
ctmj-30	86	15	-	-	PUNCT
ctmj-30	86	16	insurance	insurance	NOUN
ctmj-30	86	17	:	:	PUNCT
ctmj-30	86	18	missing	miss	VERB
ctmj-30	86	19	market	market	NOUN
ctmj-30	86	20	driven	drive	VERB
ctmj-30	86	21	by	by	ADP
ctmj-30	86	22	user	user	NOUN
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ctmj-30	86	24	2010	2010	NUM
ctmj-30	86	25	.	.	PUNCT
ctmj-30	87	1	[	[	X
ctmj-30	87	2	8	8	NUM
ctmj-30	87	3	]	]	X
ctmj-30	87	4	g.	g.	PROPN
ctmj-30	87	5	a.	a.	PROPN
ctmj-30	87	6	schwartz	schwartz	PROPN
ctmj-30	87	7	and	and	CCONJ
ctmj-30	87	8	s.	s.	PROPN
ctmj-30	87	9	s.	s.	PROPN
ctmj-30	87	10	sastry	sastry	PROPN
ctmj-30	87	11	,	,	PUNCT
ctmj-30	87	12	―cyberinsurance	―cyberinsurance	NOUN
ctmj-30	87	13	framework	framework	NOUN
ctmj-30	87	14	for	for	ADP
ctmj-30	87	15	large	large	ADJ
ctmj-30	87	16	scale	scale	NOUN
ctmj-30	87	17	interdependent	interdependent	ADJ
ctmj-30	87	18	networks,‖	networks,‖	PROPN
ctmj-30	87	19	in	in	ADP
ctmj-30	87	20	the	the	DET
ctmj-30	87	21	third	third	ADJ
ctmj-30	87	22	international	international	ADJ
ctmj-30	87	23	conference	conference	NOUN
ctmj-30	87	24	on	on	ADP
ctmj-30	87	25	high	high	ADJ
ctmj-30	87	26	confidence	confidence	NOUN
ctmj-30	87	27	networked	network	VERB
ctmj-30	87	28	systems	system	NOUN
ctmj-30	87	29	,	,	PUNCT
ctmj-30	87	30	2014	2014	NUM
ctmj-30	87	31	.	.	PUNCT
ctmj-30	88	1	[	[	X
ctmj-30	88	2	9	9	NUM
ctmj-30	88	3	]	]	X
ctmj-30	88	4	h.	h.	NOUN
ctmj-30	88	5	ogut	ogut	PROPN
ctmj-30	88	6	,	,	PUNCT
ctmj-30	88	7	n.	n.	PROPN
ctmj-30	88	8	menon	menon	PROPN
ctmj-30	88	9	,	,	PUNCT
ctmj-30	88	10	and	and	CCONJ
ctmj-30	88	11	s.	s.	PROPN
ctmj-30	88	12	raghunathan	raghunathan	PROPN
ctmj-30	88	13	,	,	PUNCT
ctmj-30	88	14	―cyber	―cyber	NOUN
ctmj-30	88	15	insurance	insurance	NOUN
ctmj-30	88	16	and	and	CCONJ
ctmj-30	88	17	it	it	PRON
ctmj-30	88	18	security	security	NOUN
ctmj-30	88	19	investment	investment	NOUN
ctmj-30	88	20	:	:	PUNCT
ctmj-30	88	21	impact	impact	NOUN
ctmj-30	88	22	of	of	ADP
ctmj-30	88	23	interdependence	interdependence	NOUN
ctmj-30	88	24	risk,‖	risk,‖	PROPN
ctmj-30	88	25	in	in	ADP
ctmj-30	88	26	the	the	DET
ctmj-30	88	27	workshop	workshop	NOUN
ctmj-30	88	28	on	on	ADP
ctmj-30	88	29	the	the	DET
ctmj-30	88	30	economics	economic	NOUN
ctmj-30	88	31	of	of	ADP
ctmj-30	88	32	information	information	NOUN
ctmj-30	88	33	security	security	NOUN
ctmj-30	88	34	,	,	PUNCT
ctmj-30	88	35	2005	2005	NUM
ctmj-30	88	36	.	.	PUNCT
ctmj-30	89	1	[	[	X
ctmj-30	89	2	10	10	NUM
ctmj-30	89	3	]	]	PUNCT
ctmj-30	89	4	z.	z.	PROPN
ctmj-30	89	5	yang	yang	PROPN
ctmj-30	89	6	and	and	CCONJ
ctmj-30	89	7	j.	j.	PROPN
ctmj-30	89	8	c.	c.	PROPN
ctmj-30	89	9	s.	s.	PROPN
ctmj-30	89	10	lui	lui	PROPN
ctmj-30	89	11	,	,	PUNCT
ctmj-30	89	12	―security	―security	NOUN
ctmj-30	89	13	adoption	adoption	NOUN
ctmj-30	89	14	and	and	CCONJ
ctmj-30	89	15	influence	influence	NOUN
ctmj-30	89	16	of	of	ADP
ctmj-30	89	17	cyber	cyber	NOUN
ctmj-30	89	18	-	-	PUNCT
ctmj-30	89	19	insurance	insurance	NOUN
ctmj-30	89	20	markets	market	NOUN
ctmj-30	89	21	in	in	ADP
ctmj-30	89	22	heterogeneous	heterogeneous	ADJ
ctmj-30	89	23	networks,‖	networks,‖	PROPN
ctmj-30	89	24	performance	performance	NOUN
ctmj-30	89	25	evaluation	evaluation	NOUN
ctmj-30	89	26	,	,	PUNCT
ctmj-30	89	27	vol	vol	NOUN
ctmj-30	89	28	.	.	PROPN
ctmj-30	89	29	74	74	NUM
ctmj-30	89	30	,	,	PUNCT
ctmj-30	89	31	pp	pp	ADJ
ctmj-30	89	32	.	.	PUNCT
ctmj-30	90	1	1–17	1–17	NOUN
ctmj-30	90	2	,	,	PUNCT
ctmj-30	90	3	apr	apr	PROPN
ctmj-30	90	4	.	.	PROPN
ctmj-30	90	5	2014	2014	NUM
ctmj-30	90	6	.	.	PUNCT
ctmj-30	91	1	http://www.advisenltd.com/2015/07/30/abi-researchcyber-insurance-market-to-reach-10b-byhttp://www.advisenltd.com/2015/07/30/abi-researchcyber-insurance-market-to-reach-10b-byhttp://www.iii.org/pressrelease/us-cyber	http://www.advisenltd.com/2015/07/30/abi-researchcyber-insurance-market-to-reach-10b-byhttp://www.advisenltd.com/2015/07/30/abi-researchcyber-insurance-market-to-reach-10b-byhttp://www.iii.org/pressrelease/us-cyber	PROPN