id	sid	eid	entity	type
cblr-3006	1	1	two	CARDINAL
cblr-3006	1	2	two	CARDINAL
cblr-3006	1	3	timothy j. muris* i.	PERSON
cblr-3006	1	4	515 ii	CARDINAL
cblr-3006	2	1	two	CARDINAL
cblr-3006	3	1	517 iii	QUANTITY
cblr-3006	3	2	two	CARDINAL
cblr-3006	3	3	520	CARDINAL
cblr-3006	4	1	523	CARDINAL
cblr-3006	5	1	524 1	CARDINAL
cblr-3006	6	1	524 2	CARDINAL
cblr-3006	7	1	527	CARDINAL
cblr-3006	8	1	529	CARDINAL
cblr-3006	10	1	531	CARDINAL
cblr-3006	10	2	535	CARDINAL
cblr-3006	11	1	542	CARDINAL
cblr-3006	11	2	i. c onclusion	ORG
cblr-3006	11	3	549	CARDINAL
cblr-3006	11	4	one	CARDINAL
cblr-3006	11	5	the twentieth century	DATE
cblr-3006	12	1	only a few decades	DATE
cblr-3006	13	1	george mason university school of law	ORG
cblr-3006	14	1	tom brown	PERSON
cblr-3006	14	2	schan duff	PERSON
cblr-3006	14	3	ben klein	PERSON
cblr-3006	14	4	christine wilson	PERSON
cblr-3006	14	5	todd zywicki	PERSON
cblr-3006	15	1	visa u.s.a.	ORG
cblr-3006	19	1	tens of millions	MONEY
cblr-3006	20	1	billions of dollars	MONEY
cblr-3006	20	2	today	DATE
cblr-3006	23	1	the united states	GPE
cblr-3006	25	1	australia	GPE
cblr-3006	26	1	two	CARDINAL
cblr-3006	27	1	one	CARDINAL
cblr-3006	29	1	two	CARDINAL
cblr-3006	30	1	two	CARDINAL
cblr-3006	32	1	kendall v. visa u.s.a, inc.	ORG
cblr-3006	32	2	2005	DATE
cblr-3006	32	3	u.s.	GPE
cblr-3006	32	4	dist	NORP
cblr-3006	33	1	21450	DATE
cblr-3006	33	2	n.d. cal	GPE
cblr-3006	34	1	july 25, 2005	DATE
cblr-3006	35	1	la w	FAC
cblr-3006	35	2	vie w	PERSON
cblr-3006	35	3	2005	DATE
cblr-3006	35	4	two	CARDINAL
cblr-3006	36	1	two	CARDINAL
cblr-3006	38	1	one	CARDINAL
cblr-3006	38	2	australia	GPE
cblr-3006	39	1	section vi	PERSON
cblr-3006	41	1	two	CARDINAL
cblr-3006	41	2	two	CARDINAL
cblr-3006	41	3	today	DATE
cblr-3006	41	4	one	CARDINAL
cblr-3006	41	5	two	CARDINAL
cblr-3006	43	1	three	CARDINAL
cblr-3006	43	2	two	CARDINAL
cblr-3006	43	3	1	CARDINAL
cblr-3006	43	4	two	CARDINAL
cblr-3006	43	5	2	CARDINAL
cblr-3006	43	6	one	CARDINAL
cblr-3006	43	7	3	CARDINAL
cblr-3006	43	8	two	CARDINAL
cblr-3006	44	1	two	CARDINAL
cblr-3006	44	2	2	CARDINAL
cblr-3006	45	1	two	CARDINAL
cblr-3006	46	1	two	CARDINAL
cblr-3006	46	2	1	CARDINAL
cblr-3006	47	1	rev	PERSON
cblr-3006	48	1	2003	DATE
cblr-3006	48	2	2	CARDINAL
cblr-3006	49	1	rev	PERSON
cblr-3006	50	1	2004	DATE
cblr-3006	51	1	david s. evans & richard	PERSON
cblr-3006	51	2	133	CARDINAL
cblr-3006	51	3	2d	DATE
cblr-3006	51	4	benjamin klein	PERSON
cblr-3006	51	5	al.	GPE
cblr-3006	51	6	two	CARDINAL
cblr-3006	51	7	l.j.	ORG
cblr-3006	52	1	2005	DATE
cblr-3006	52	2	33 rand	MONEY
cblr-3006	52	3	j. econ	PERSON
cblr-3006	53	1	549	CARDINAL
cblr-3006	53	2	2002	DATE
cblr-3006	54	1	two	CARDINAL
cblr-3006	54	2	1	CARDINAL
cblr-3006	55	1	990	ORG
cblr-3006	55	2	2003	DATE
cblr-3006	55	3	todd j. zywicki	PERSON
cblr-3006	55	4	3	CARDINAL
cblr-3006	56	1	l. rev	PERSON
cblr-3006	56	2	79	CARDINAL
cblr-3006	56	3	2000	DATE
cblr-3006	59	1	two	CARDINAL
cblr-3006	61	1	first	ORDINAL
cblr-3006	62	1	two	CARDINAL
cblr-3006	67	1	two	CARDINAL
cblr-3006	68	1	two	CARDINAL
cblr-3006	69	1	3	CARDINAL
cblr-3006	69	2	evans & schmalensee	ORG
cblr-3006	69	3	supra	PERSON
cblr-3006	69	4	2	CARDINAL
cblr-3006	69	5	4	CARDINAL
cblr-3006	70	1	two	CARDINAL
cblr-3006	70	2	two	CARDINAL
cblr-3006	72	1	4 other two	CARDINAL
cblr-3006	73	1	evans & schmalensee	ORG
cblr-3006	73	2	supra	PERSON
cblr-3006	73	3	2	CARDINAL
cblr-3006	73	4	133	CARDINAL
cblr-3006	74	1	la w	FAC
cblr-3006	74	2	vie w	PERSON
cblr-3006	75	1	2005	DATE
cblr-3006	78	1	two	CARDINAL
cblr-3006	79	1	first	ORDINAL
cblr-3006	79	2	two	CARDINAL
cblr-3006	83	1	second	ORDINAL
cblr-3006	83	2	two	CARDINAL
cblr-3006	86	1	klein et al.	PERSON
cblr-3006	86	2	2	CARDINAL
cblr-3006	86	3	16	DATE
cblr-3006	88	1	17	CARDINAL
cblr-3006	88	2	6	CARDINAL
cblr-3006	89	1	7	CARDINAL
cblr-3006	89	2	2	CARDINAL
cblr-3006	89	3	15	DATE
cblr-3006	90	1	klein	PERSON
cblr-3006	95	1	3:5151	CARDINAL
cblr-3006	95	2	two	CARDINAL
cblr-3006	95	3	columbia business la w	ORG
cblr-3006	95	4	two	CARDINAL
cblr-3006	95	5	two	CARDINAL
cblr-3006	98	1	two	CARDINAL
cblr-3006	98	2	two	CARDINAL
cblr-3006	100	1	the united states	GPE
cblr-3006	100	2	four	CARDINAL
cblr-3006	100	3	mastercard	ORG
cblr-3006	101	1	four	CARDINAL
cblr-3006	102	1	american express	ORG
cblr-3006	103	1	visa	ORG
cblr-3006	103	2	mastercard	ORG
cblr-3006	103	3	thousands	CARDINAL
cblr-3006	104	1	mastercard systems	ORG
cblr-3006	105	1	mastercard	ORG
cblr-3006	106	1	mastercard	ORG
cblr-3006	107	1	miany	ORG
cblr-3006	108	1	17	CARDINAL
cblr-3006	108	2	8	CARDINAL
cblr-3006	109	1	6-7	DATE
cblr-3006	110	1	2005	DATE
cblr-3006	113	1	mastercard credit transaction	ORG
cblr-3006	113	2	approximately 2.0%	PERCENT
cblr-3006	114	1	approximately 0.6%	PERCENT
cblr-3006	114	2	1.4%	PERCENT
cblr-3006	115	1	mastercard	ORG
cblr-3006	116	1	24-hour	TIME
cblr-3006	117	1	american	NORP
cblr-3006	118	1	american	NORP
cblr-3006	118	2	2.7%	PERCENT
cblr-3006	118	3	1.5%	PERCENT
cblr-3006	119	1	two	CARDINAL
cblr-3006	120	1	two	CARDINAL
cblr-3006	121	1	united states	GPE
cblr-3006	121	2	344	CARDINAL
cblr-3006	121	3	229	CARDINAL
cblr-3006	121	4	235	CARDINAL
cblr-3006	121	5	2d	DATE
cblr-3006	121	6	2003	DATE
cblr-3006	122	1	10 in 2002	DATE
cblr-3006	122	2	ten	CARDINAL
cblr-3006	122	3	about 75%	PERCENT
cblr-3006	123	1	twenty-five	CARDINAL
cblr-3006	123	2	about 85%	PERCENT
cblr-3006	124	1	evans & schmalensee	ORG
cblr-3006	124	2	supra	PERSON
cblr-3006	124	3	2	CARDINAL
cblr-3006	124	4	173	CARDINAL
cblr-3006	125	1	american	NORP
cblr-3006	125	2	ten to 78%	PERCENT
cblr-3006	126	1	214	CARDINAL
cblr-3006	127	1	236	CARDINAL
cblr-3006	128	1	two	CARDINAL
cblr-3006	129	1	522	CARDINAL
cblr-3006	129	2	vie w	PERSON
cblr-3006	130	1	2005	DATE
cblr-3006	130	2	two	CARDINAL
cblr-3006	131	1	one	CARDINAL
cblr-3006	134	1	one	CARDINAL
cblr-3006	135	1	4	CARDINAL
cblr-3006	135	2	three	CARDINAL
cblr-3006	136	1	first	ORDINAL
cblr-3006	137	1	american	NORP
cblr-3006	138	1	second	ORDINAL
cblr-3006	138	2	one month	DATE
cblr-3006	140	1	third	ORDINAL
cblr-3006	140	2	annual	DATE
cblr-3006	142	1	american express	ORG
cblr-3006	142	2	approximately 82%	PERCENT
cblr-3006	143	1	5	CARDINAL
cblr-3006	143	2	mastercard	ORG
cblr-3006	143	3	12	CARDINAL
cblr-3006	143	4	klein	PERSON
cblr-3006	143	5	2	CARDINAL
cblr-3006	143	6	18	CARDINAL
cblr-3006	143	7	13	CARDINAL
cblr-3006	144	1	5	CARDINAL
cblr-3006	144	2	14	CARDINAL
cblr-3006	144	3	one	CARDINAL
cblr-3006	144	4	five	CARDINAL
cblr-3006	145	1	21	DATE
cblr-3006	145	2	15	CARDINAL
cblr-3006	146	1	david s. evans	PERSON
cblr-3006	146	2	two	CARDINAL
cblr-3006	146	3	1	CARDINAL
cblr-3006	147	1	rev	PERSON
cblr-3006	147	2	3,	PERCENT
cblr-3006	147	3	4	DATE
cblr-3006	147	4	2003	DATE
cblr-3006	149	1	only 15%	PERCENT
cblr-3006	149	2	70%	PERCENT
cblr-3006	149	3	12%	PERCENT
cblr-3006	149	4	3%	PERCENT
cblr-3006	149	5	annual	DATE
cblr-3006	150	1	6	CARDINAL
cblr-3006	151	1	american express	ORG
cblr-3006	153	1	american express	ORG
cblr-3006	153	2	annual	DATE
cblr-3006	155	1	the end of the twentieth century	DATE
cblr-3006	156	1	1970 to 1986	DATE
cblr-3006	156	2	16%	PERCENT
cblr-3006	156	3	2001	DATE
cblr-3006	156	4	73%	PERCENT
cblr-3006	156	5	more than one	CARDINAL
cblr-3006	156	6	2003	DATE
cblr-3006	156	7	four or five	CARDINAL
cblr-3006	157	1	9	CARDINAL
cblr-3006	157	2	66%	PERCENT
cblr-3006	157	3	more than one	CARDINAL
cblr-3006	157	4	almost 80%	PERCENT
cblr-3006	158	1	20	CARDINAL
cblr-3006	161	1	april 20, 2005	DATE
cblr-3006	162	1	17	CARDINAL
cblr-3006	162	2	fed	ORG
cblr-3006	163	1	reserve bd.	PERSON
cblr-3006	163	2	5	CARDINAL
cblr-3006	163	3	1999	DATE
cblr-3006	165	1	18	CARDINAL
cblr-3006	165	2	evans & schmalensee	ORG
cblr-3006	165	3	supra	PERSON
cblr-3006	165	4	2	CARDINAL
cblr-3006	165	5	95	CARDINAL
cblr-3006	165	6	19	CARDINAL
cblr-3006	165	7	fed	ORG
cblr-3006	166	1	reserve bd	PERSON
cblr-3006	166	2	supra	PERSON
cblr-3006	166	3	17	CARDINAL
cblr-3006	166	4	4	DATE
cblr-3006	166	5	4.7	CARDINAL
cblr-3006	167	1	20	CARDINAL
cblr-3006	167	2	evans & schmalensee	ORG
cblr-3006	167	3	supra	PERSON
cblr-3006	167	4	2	CARDINAL
cblr-3006	167	5	232	CARDINAL
cblr-3006	168	1	two	CARDINAL
cblr-3006	169	1	3:5151	CARDINAL
cblr-3006	169	2	columbia business law review consumer choice	ORG
cblr-3006	171	1	first	ORDINAL
cblr-3006	172	1	1	CARDINAL
cblr-3006	172	2	monthly	DATE
cblr-3006	173	1	monthly	DATE
cblr-3006	176	1	21	CARDINAL
cblr-3006	176	2	2	CARDINAL
cblr-3006	176	3	22	CARDINAL
cblr-3006	176	4	evans & schmalensee	ORG
cblr-3006	176	5	supra	PERSON
cblr-3006	176	6	2	CARDINAL
cblr-3006	176	7	91	CARDINAL
cblr-3006	178	1	92-93	CARDINAL
cblr-3006	179	1	2005	DATE
cblr-3006	179	2	two	CARDINAL
cblr-3006	179	3	annual	DATE
cblr-3006	183	1	4	CARDINAL
cblr-3006	183	2	first	ORDINAL
cblr-3006	193	1	2002	DATE
cblr-3006	193	2	americans	NORP
cblr-3006	193	3	$43 billion	MONEY
cblr-3006	193	4	91-93	CARDINAL
cblr-3006	194	1	24	CARDINAL
cblr-3006	195	1	93	DATE
cblr-3006	195	2	seventeen seconds	TIME
cblr-3006	195	3	seventy-three seconds	TIME
cblr-3006	197	1	1.3%	PERCENT
cblr-3006	197	2	2004	DATE
cblr-3006	198	1	over $100 billion.26	MONEY
cblr-3006	198	2	the united states	GPE
cblr-3006	198	3	95%	PERCENT
cblr-3006	199	1	27	CARDINAL
cblr-3006	207	1	25	CARDINAL
cblr-3006	207	2	305	CARDINAL
cblr-3006	208	1	26	CARDINAL
cblr-3006	208	2	$100 bln	MONEY
cblr-3006	208	3	2004	DATE
cblr-3006	208	4	feb. 20, 2004	DATE
cblr-3006	208	5	http://www.itfacts.bizlindex.php?id=p766	CARDINAL
cblr-3006	209	1	27	CARDINAL
cblr-3006	209	2	evans & schmalensee	ORG
cblr-3006	209	3	supra	PERSON
cblr-3006	209	4	2	CARDINAL
cblr-3006	209	5	84	CARDINAL
cblr-3006	210	1	david b. humphrey et	PERSON
cblr-3006	211	1	28	CARDINAL
cblr-3006	211	2	j. money	PERSON
cblr-3006	211	3	credit &	ORG
cblr-3006	211	4	914	CARDINAL
cblr-3006	211	5	934	CARDINAL
cblr-3006	212	1	29	CARDINAL
cblr-3006	213	1	20 one	CARDINAL
cblr-3006	213	2	roughly eight	CARDINAL
cblr-3006	213	3	twelve	CARDINAL
cblr-3006	213	4	only a day	DATE
cblr-3006	213	5	two	CARDINAL
cblr-3006	214	1	twenty-five days	DATE
cblr-3006	215	1	daniel d. garcia swartz et al.	PERSON
cblr-3006	215	2	52	CARDINAL
cblr-3006	215	3	aei-brookings joint center	ORG
cblr-3006	216	1	2005col	CARDINAL
cblr-3006	218	1	la w	FAC
cblr-3006	218	2	vie w	ORG
cblr-3006	218	3	two	CARDINAL
cblr-3006	222	1	2	CARDINAL
cblr-3006	224	1	payday	DATE
cblr-3006	225	1	1	CARDINAL
cblr-3006	226	1	04-24	CARDINAL
cblr-3006	226	2	http://www.aeibrookings.org/admin/authorpdfs/page.php?id=1048	ORG
cblr-3006	227	1	2	CARDINAL
cblr-3006	227	2	96	CARDINAL
cblr-3006	227	3	richard l. peterson & gregory a. falls	PERSON
cblr-3006	227	4	ten percent	PERCENT
cblr-3006	227	5	15-20	CARDINAL
cblr-3006	227	6	ctr	GPE
cblr-3006	227	7	40, 1981	DATE
cblr-3006	227	8	http://www.msb.edu/faculty/research/	ORG
cblr-3006	227	9	robert w. johnson & dixie p. johnson	PERSON
cblr-3006	227	10	ctr	GPE
cblr-3006	227	11	u.s.	GPE
cblr-3006	228	1	47	CARDINAL
cblr-3006	228	2	1998	DATE
cblr-3006	229	1	32	CARDINAL
cblr-3006	230	1	lendol calder	PERSON
cblr-3006	230	2	american	NORP
cblr-3006	230	3	60-64	CARDINAL
cblr-3006	230	4	1999	DATE
cblr-3006	232	1	3:515	CARDINAL
cblr-3006	233	1	4	CARDINAL
cblr-3006	234	1	5	CARDINAL
cblr-3006	237	1	6	CARDINAL
cblr-3006	237	2	31	CARDINAL
cblr-3006	237	3	todd j. zywicki	PERSON
cblr-3006	237	4	99	CARDINAL
cblr-3006	237	5	u. l. rev	PERSON
cblr-3006	237	6	1463	CARDINAL
cblr-3006	237	7	1492-99	DATE
cblr-3006	238	1	johnson & johnson	ORG
cblr-3006	238	2	31	CARDINAL
cblr-3006	238	3	47	DATE
cblr-3006	238	4	65.4%	PERCENT
cblr-3006	238	5	americans	NORP
cblr-3006	238	6	only 34.8%	PERCENT
cblr-3006	239	1	alan greenspan	PERSON
cblr-3006	239	2	federal reserve board	ORG
cblr-3006	239	3	the credit union national association 2004 governmental affairs	ORG
cblr-3006	239	4	feb. 23, 2004	DATE
cblr-3006	239	5	http://www.federalreserve.gov/boarddocs/speeches/ 2004/20040223/default.htm	ORG
cblr-3006	239	6	the latter half of the 1990s	DATE
cblr-3006	239	7	arthur b. kennickell	PERSON
cblr-3006	239	8	u.s.	GPE
cblr-3006	239	9	1989-2001 17	DATE
cblr-3006	239	10	federal reserve board	ORG
cblr-3006	239	11	sept. 2003	DATE
cblr-3006	239	12	pdf	ORG
cblr-3006	240	1	dagobert l. brito &	PERSON
cblr-3006	240	2	peter r. hartley	PERSON
cblr-3006	240	3	103	CARDINAL
cblr-3006	240	4	j. pol.	PERSON
cblr-3006	242	1	400	CARDINAL
cblr-3006	242	2	402	CARDINAL
cblr-3006	242	3	1995	DATE
cblr-3006	244	1	36	CARDINAL
cblr-3006	244	2	thomas a. durkin	PERSON
cblr-3006	244	3	1970-2000	DATE
cblr-3006	244	4	86	DATE
cblr-3006	246	1	bull	PERSON
cblr-3006	247	1	623	CARDINAL
cblr-3006	247	2	623	CARDINAL
cblr-3006	247	3	earlier decades	DATE
cblr-3006	248	1	2005	DATE
cblr-3006	248	2	two	CARDINAL
cblr-3006	251	1	8	CARDINAL
cblr-3006	255	1	9	CARDINAL
cblr-3006	258	1	first	ORDINAL
cblr-3006	258	2	1850.40	CARDINAL
cblr-3006	258	3	traveling.41 department	ORG
cblr-3006	259	1	as early as 1930	DATE
cblr-3006	259	2	37	CARDINAL
cblr-3006	259	3	evans & schmalensee	ORG
cblr-3006	259	4	supra	PERSON
cblr-3006	259	5	2	CARDINAL
cblr-3006	259	6	118	CARDINAL
cblr-3006	259	7	3	CARDINAL
cblr-3006	259	8	33	CARDINAL
cblr-3006	259	9	wendy m. edelberg &	PERSON
cblr-3006	259	10	jonas d. m. fisher	PERSON
cblr-3006	259	11	123	CARDINAL
cblr-3006	259	12	chicago	GPE
cblr-3006	260	1	1,	DATE
cblr-3006	261	1	between 1992 and 2001	DATE
cblr-3006	261	2	$114 billion	MONEY
cblr-3006	261	3	about three percent	PERCENT
cblr-3006	262	1	evans & schmalensee	ORG
cblr-3006	262	2	supra	PERSON
cblr-3006	262	3	2	CARDINAL
cblr-3006	262	4	102	CARDINAL
cblr-3006	263	1	james m. ackerman	PERSON
cblr-3006	263	2	1981	DATE
cblr-3006	264	1	st.	GPE
cblr-3006	264	2	l.j. 61,	ORG
cblr-3006	264	3	95	CARDINAL
cblr-3006	264	4	1981	DATE
cblr-3006	265	1	41	CARDINAL
cblr-3006	267	1	la w	GPE
cblr-3006	271	1	third	ORDINAL
cblr-3006	275	1	42	CARDINAL
cblr-3006	275	2	lewis mandell	PERSON
cblr-3006	275	3	17	CARDINAL
cblr-3006	275	4	twain	ORG
cblr-3006	275	5	1990	DATE
cblr-3006	277	1	one	CARDINAL
cblr-3006	279	1	evans & schmalensee	ORG
cblr-3006	279	2	supra	PERSON
cblr-3006	279	3	2	CARDINAL
cblr-3006	279	4	122	CARDINAL
cblr-3006	280	1	2005	DATE
cblr-3006	282	1	mastercard networks.	ORG
cblr-3006	283	1	bank of america	ORG
cblr-3006	283	2	1958	DATE
cblr-3006	283	3	california.4 bank of america	ORG
cblr-3006	283	4	1966	DATE
cblr-3006	286	1	1970	DATE
cblr-3006	286	2	bank of america	ORG
cblr-3006	287	1	21,000	CARDINAL
cblr-3006	287	2	mastercard	ORG
cblr-3006	288	1	today	DATE
cblr-3006	288	2	mastercard	ORG
cblr-3006	288	3	approximately over 25,000	CARDINAL
cblr-3006	288	4	world.46	GPE
cblr-3006	288	5	1970	DATE
cblr-3006	289	1	howard h. chang	PERSON
cblr-3006	289	2	1	CARDINAL
cblr-3006	289	3	rev	PERSON
cblr-3006	289	4	13	CARDINAL
cblr-3006	289	5	17	DATE
cblr-3006	289	6	2003	DATE
cblr-3006	290	1	4	CARDINAL
cblr-3006	291	1	oct. 25, 2005	DATE
cblr-3006	292	1	46	CARDINAL
cblr-3006	292	2	http://www.mastercard international.com/newsroom/company-fact.html	ORG
cblr-3006	292	3	oct. 25, 2005	DATE
cblr-3006	293	1	two	CARDINAL
cblr-3006	294	1	3:5151	CARDINAL
cblr-3006	294	2	columbia business la w	ORG
cblr-3006	295	1	thousands	CARDINAL
cblr-3006	295	2	negotiation.47	ORG
cblr-3006	295	3	mastercard	ORG
cblr-3006	296	1	two	CARDINAL
cblr-3006	297	1	american	NORP
cblr-3006	297	2	two	CARDINAL
cblr-3006	298	1	1979	DATE
cblr-3006	298	2	national bancard corporation	ORG
cblr-3006	298	3	eleventh	ORDINAL
cblr-3006	298	4	two	CARDINAL
cblr-3006	298	5	two	CARDINAL
cblr-3006	300	1	two	CARDINAL
cblr-3006	301	1	two	CARDINAL
cblr-3006	301	2	one	CARDINAL
cblr-3006	302	1	41	CARDINAL
cblr-3006	302	2	klein	PERSON
cblr-3006	302	3	2	CARDINAL
cblr-3006	302	4	23-36	DATE
cblr-3006	303	1	4	CARDINAL
cblr-3006	303	2	nat'l bancard corp.	ORG
cblr-3006	303	3	visa u.s.a., inc.	ORG
cblr-3006	303	4	779	CARDINAL
cblr-3006	303	5	592	CARDINAL
cblr-3006	303	6	11th	ORDINAL
cblr-3006	303	7	1986	DATE
cblr-3006	304	1	49	CARDINAL
cblr-3006	305	1	602	CARDINAL
cblr-3006	306	1	2005	DATE
cblr-3006	306	2	one	CARDINAL
cblr-3006	306	3	two	CARDINAL
cblr-3006	307	1	mastercard systems	ORG
cblr-3006	309	1	some 21,000	CARDINAL
cblr-3006	309	2	25,000	CARDINAL
cblr-3006	309	3	mastercard	ORG
cblr-3006	312	1	1983	DATE
cblr-3006	312	2	william baxter	PERSON
cblr-3006	312	3	mastercard	ORG
cblr-3006	313	1	50	CARDINAL
cblr-3006	313	2	american	NORP
cblr-3006	313	3	one	CARDINAL
cblr-3006	316	1	one	CARDINAL
cblr-3006	316	2	one	CARDINAL
cblr-3006	317	1	o	DATE
cblr-3006	317	2	william f. baxter	PERSON
cblr-3006	317	3	26	CARDINAL
cblr-3006	317	4	j.l. & econ	ORG
cblr-3006	318	1	541	CARDINAL
cblr-3006	318	2	1983	DATE
cblr-3006	320	1	3:5151	CARDINAL
cblr-3006	320	2	two	CARDINAL
cblr-3006	323	1	the sears financial network	ORG
cblr-3006	325	1	american express	ORG
cblr-3006	327	1	american	NORP
cblr-3006	329	1	american	NORP
cblr-3006	331	1	two	CARDINAL
cblr-3006	332	1	american	NORP
cblr-3006	332	2	mastercard	ORG
cblr-3006	333	1	3	CARDINAL
cblr-3006	333	2	chang	PERSON
cblr-3006	333	3	supra	PERSON
cblr-3006	333	4	44	DATE
cblr-3006	333	5	16-17	CARDINAL
cblr-3006	333	6	52	CARDINAL
cblr-3006	333	7	american	NORP
cblr-3006	333	8	costco	ORG
cblr-3006	334	1	3	CARDINAL
cblr-3006	335	1	the past two decades	DATE
cblr-3006	335	2	about 2.7%	PERCENT
cblr-3006	335	3	1982	DATE
cblr-3006	335	4	2.0%	PERCENT
cblr-3006	335	5	1994	DATE
cblr-3006	335	6	about 2.3%	PERCENT
cblr-3006	335	7	2001	DATE
cblr-3006	336	1	evans & schmalensee	ORG
cblr-3006	336	2	supra	PERSON
cblr-3006	336	3	2	CARDINAL
cblr-3006	336	4	126	CARDINAL
cblr-3006	337	1	the late 1990s	DATE
cblr-3006	338	1	la w	FAC
cblr-3006	338	2	vie w	PERSON
cblr-3006	339	1	2005	DATE
cblr-3006	339	2	two	CARDINAL
cblr-3006	339	3	two	CARDINAL
cblr-3006	342	1	mastercard	ORG
cblr-3006	343	1	4	CARDINAL
cblr-3006	344	1	2000	DATE
cblr-3006	344	2	the european commission	ORG
cblr-3006	344	3	visa	ORG
cblr-3006	344	4	european	NORP
cblr-3006	344	5	two years later	DATE
cblr-3006	346	1	6	CARDINAL
cblr-3006	346	2	2002	DATE
cblr-3006	346	3	one	CARDINAL
cblr-3006	347	1	klein	PERSON
cblr-3006	347	2	2	CARDINAL
cblr-3006	347	3	41-45	DATE
cblr-3006	349	1	45	CARDINAL
cblr-3006	349	2	n.87	GPE
cblr-3006	350	1	two	CARDINAL
cblr-3006	350	2	american express	ORG
cblr-3006	350	3	mastercard systems	ORG
cblr-3006	351	1	14	CARDINAL
cblr-3006	351	2	klein	PERSON
cblr-3006	351	3	2	CARDINAL
cblr-3006	351	4	49	CARDINAL
cblr-3006	352	1	visa	ORG
cblr-3006	352	2	mastercard	ORG
cblr-3006	353	1	european commission	ORG
cblr-3006	353	2	oct. 16, 2000	DATE
cblr-3006	353	3	l&language	NORP
cblr-3006	353	4	6	CARDINAL
cblr-3006	353	5	european commission	ORG
cblr-3006	353	6	july 24, 2002	DATE
cblr-3006	355	1	australia	GPE
cblr-3006	356	1	57	CARDINAL
cblr-3006	356	2	october of 2003	DATE
cblr-3006	362	1	ian j. macfarlane	PERSON
cblr-3006	362	2	australia	GPE
cblr-3006	362	3	en&guilangua ge=en	PERSON
cblr-3006	362	4	57	CARDINAL
cblr-3006	362	5	australia	GPE
cblr-3006	362	6	australia	GPE
cblr-3006	362	7	aug. 2002	DATE
cblr-3006	363	1	alan s. frankel	PERSON
cblr-3006	363	2	66	CARDINAL
cblr-3006	363	3	313	CARDINAL
cblr-3006	363	4	1998	DATE
cblr-3006	365	1	coluama	ORG
cblr-3006	366	1	la w	FAC
cblr-3006	366	2	vie w	PERSON
cblr-3006	367	1	2005	DATE
cblr-3006	371	1	first	ORDINAL
cblr-3006	371	2	two	CARDINAL
cblr-3006	374	1	second	ORDINAL
cblr-3006	379	1	ael	GPE
cblr-3006	379	2	four	CARDINAL
cblr-3006	379	3	60	CARDINAL
cblr-3006	379	4	macfarlane	PERSON
cblr-3006	379	5	australia	GPE
cblr-3006	379	6	gresham	GPE
cblr-3006	379	7	mar. 23, 2005	DATE
cblr-3006	379	8	http://www.rba.gov.au/speeches/2005/	ORG
cblr-3006	380	1	michael katz	PERSON
cblr-3006	381	1	evans & schmalensee	ORG
cblr-3006	381	2	supra	PERSON
cblr-3006	381	3	2	CARDINAL
cblr-3006	381	4	290	CARDINAL
cblr-3006	381	5	6	CARDINAL
cblr-3006	381	6	garcia swartz et al	PERSON
cblr-3006	381	7	supra	PERSON
cblr-3006	381	8	30	CARDINAL
cblr-3006	382	1	two	CARDINAL
cblr-3006	384	1	six	CARDINAL
cblr-3006	386	1	three	CARDINAL
cblr-3006	386	2	two	CARDINAL
cblr-3006	388	1	one	CARDINAL
cblr-3006	389	1	third	ORDINAL
cblr-3006	389	2	the federal reserve's	ORG
cblr-3006	392	1	one	CARDINAL
cblr-3006	403	1	2005col	CARDINAL
cblr-3006	404	1	la w	FAC
cblr-3006	404	2	vie w	ORG
cblr-3006	404	3	two	CARDINAL
cblr-3006	404	4	today	DATE
cblr-3006	405	1	only $11.52	MONEY
cblr-3006	405	2	54.24.62	MONEY
cblr-3006	407	1	the federal reserve	ORG
cblr-3006	415	1	25 days	DATE
cblr-3006	415	2	two days	DATE
cblr-3006	420	1	brookings	PERSON
cblr-3006	421	1	62	CARDINAL
cblr-3006	421	2	40-41	CARDINAL
cblr-3006	422	1	44	DATE
cblr-3006	425	1	3:5151	CARDINAL
cblr-3006	428	1	64.98	MONEY
cblr-3006	428	2	garcia swartz	PERSON
cblr-3006	428	3	supra	PERSON
cblr-3006	428	4	30	CARDINAL
cblr-3006	428	5	51	DATE
cblr-3006	429	1	11.54	MONEY
cblr-3006	431	1	0.83	MONEY
cblr-3006	431	2	0.87	MONEY
cblr-3006	431	3	0.84	MONEY
cblr-3006	431	4	0.83	MONEY
cblr-3006	431	5	0.99	MONEY
cblr-3006	431	6	0.76	MONEY
cblr-3006	432	1	54.24	MONEY
cblr-3006	433	1	one	CARDINAL
cblr-3006	434	1	0.74	MONEY
cblr-3006	434	2	1.79	MONEY
cblr-3006	435	1	56	CARDINAL
cblr-3006	435	2	67	CARDINAL
cblr-3006	435	3	15.49	MONEY
cblr-3006	435	4	0.96	MONEY
cblr-3006	435	5	0.60-$0.61	MONEY
cblr-3006	435	6	0.64	MONEY
cblr-3006	435	7	0.57	MONEY
cblr-3006	435	8	0.52	MONEY
cblr-3006	436	1	62	DATE
cblr-3006	437	1	63	DATE
cblr-3006	438	1	43.93	MONEY
cblr-3006	438	2	1.55	MONEY
cblr-3006	438	3	1.06	MONEY
cblr-3006	438	4	0.69	MONEY
cblr-3006	438	5	0.53-$0.55	MONEY
cblr-3006	439	1	col umia business	ORG
cblr-3006	439	2	la w	GPE
cblr-3006	439	3	vie w	PERSON
cblr-3006	440	1	2005	DATE
cblr-3006	440	2	two	CARDINAL
cblr-3006	440	3	124.66	MONEY
cblr-3006	440	4	0.61	MONEY
cblr-3006	440	5	mastercard	ORG
cblr-3006	440	6	0.68	MONEY
cblr-3006	440	7	american	NORP
cblr-3006	440	8	0.66	MONEY
cblr-3006	441	1	1.06	MONEY
cblr-3006	441	2	1.56	MONEY
cblr-3006	445	1	aei/brookings study	ORG
cblr-3006	447	1	67	DATE
cblr-3006	448	1	64.98	MONEY
cblr-3006	448	2	0.64	MONEY
cblr-3006	448	3	0.76-$0.79	MONEY
cblr-3006	448	4	0.95	MONEY
cblr-3006	448	5	1.74	MONEY
cblr-3006	454	1	70	CARDINAL
cblr-3006	455	1	62	DATE
cblr-3006	459	1	mastercard	ORG
cblr-3006	459	2	american	NORP
cblr-3006	459	3	mastercard networks	ORG
cblr-3006	459	4	american express	ORG
cblr-3006	459	5	two	CARDINAL
cblr-3006	461	1	american	NORP
cblr-3006	462	1	american	NORP
cblr-3006	462	2	american	NORP
cblr-3006	463	1	mastercard	ORG
cblr-3006	463	2	american	NORP
cblr-3006	464	1	first	ORDINAL
cblr-3006	464	2	annual	DATE
cblr-3006	465	1	evans	PERSON
cblr-3006	466	1	1983	DATE
cblr-3006	466	2	1.6%	PERCENT
cblr-3006	466	3	2.3%	PERCENT
cblr-3006	466	4	annual	DATE
cblr-3006	466	5	16.86	MONEY
cblr-3006	466	6	1,720	MONEY
cblr-3006	467	1	7	CARDINAL
cblr-3006	467	2	australia	GPE
cblr-3006	468	1	72	CARDINAL
cblr-3006	468	2	garcia swartz	PERSON
cblr-3006	468	3	american express	ORG
cblr-3006	469	1	garcia swartz et al	PERSON
cblr-3006	469	2	supra	PERSON
cblr-3006	469	3	30	CARDINAL
cblr-3006	469	4	62-63	DATE
cblr-3006	470	1	la w	FAC
cblr-3006	470	2	vie w	PERSON
cblr-3006	471	1	2005	DATE
cblr-3006	471	2	two	CARDINAL
cblr-3006	471	3	0	MONEY
cblr-3006	471	4	0.7%	PERCENT
cblr-3006	471	5	annual	DATE
cblr-3006	471	6	44.38	MONEY
cblr-3006	475	1	australia	GPE
cblr-3006	476	1	4	CARDINAL
cblr-3006	477	1	annual	DATE
cblr-3006	477	2	30-35%	PERCENT
cblr-3006	477	3	2003	DATE
cblr-3006	477	4	annual	DATE
cblr-3006	477	5	fees.76	CARDINAL
cblr-3006	479	1	13 evans &	ORG
cblr-3006	479	2	supra	PERSON
cblr-3006	479	3	2	CARDINAL
cblr-3006	479	4	156	CARDINAL
cblr-3006	480	1	14	CARDINAL
cblr-3006	480	2	australia	GPE
cblr-3006	480	3	annual	DATE
cblr-3006	480	4	11	CARDINAL
cblr-3006	480	5	2004	DATE
cblr-3006	482	1	evans	PERSON
cblr-3006	482	2	aei-brookings institute	ORG
cblr-3006	482	3	2005	DATE
cblr-3006	483	1	15	CARDINAL
cblr-3006	483	2	howard h. chang	PERSON
cblr-3006	483	3	david s. evans	PERSON
cblr-3006	483	4	daniel d. garcia swartz	PERSON
cblr-3006	483	5	the reserve bank	ORG
cblr-3006	483	6	australia	GPE
cblr-3006	484	1	16	CARDINAL
cblr-3006	485	1	31-32	DATE
cblr-3006	487	1	a year	DATE
cblr-3006	487	2	mastercard	ORG
cblr-3006	487	3	american	NORP
cblr-3006	488	1	0.95%	PERCENT
cblr-3006	488	2	0.55%	PERCENT
cblr-3006	489	1	1.41% to 0.99%	PERCENT
cblr-3006	490	1	american express	ORG
cblr-3006	490	2	2.37%	PERCENT
cblr-3006	490	3	2.5%	PERCENT
cblr-3006	491	1	mastercard	ORG
cblr-3006	492	1	american	NORP
cblr-3006	492	2	the united states	GPE
cblr-3006	493	1	the 1970s	DATE
cblr-3006	493	2	early 1980s	DATE
cblr-3006	495	1	80	CARDINAL
cblr-3006	495	2	annual	DATE
cblr-3006	495	3	annual	DATE
cblr-3006	495	4	17	CARDINAL
cblr-3006	495	5	australia	GPE
cblr-3006	495	6	74	CARDINAL
cblr-3006	495	7	11	CARDINAL
cblr-3006	496	1	chang et al.	PERSON
cblr-3006	496	2	75	CARDINAL
cblr-3006	496	3	1	CARDINAL
cblr-3006	497	1	klein et al.	PERSON
cblr-3006	497	2	2	CARDINAL
cblr-3006	497	3	28-30	PERCENT
cblr-3006	497	4	american	NORP
cblr-3006	497	5	14.6%	PERCENT
cblr-3006	497	6	at least 16.5%	PERCENT
cblr-3006	498	1	mastercard	ORG
cblr-3006	499	1	52	CARDINAL
cblr-3006	500	1	0	CARDINAL
cblr-3006	501	1	glenn b. canner	PERSON
cblr-3006	501	2	charles a. luckett	PERSON
cblr-3006	501	3	78	CARDINAL
cblr-3006	503	1	bull	PERSON
cblr-3006	504	1	652	CARDINAL
cblr-3006	504	2	654	CARDINAL
cblr-3006	504	3	1992	DATE
cblr-3006	505	1	81	CARDINAL
cblr-3006	508	1	2005colum4bia	CARDINAL
cblr-3006	509	1	la w	FAC
cblr-3006	509	2	vie w	PERSON
cblr-3006	509	3	over nine million	CARDINAL
cblr-3006	509	4	roughly eight percent	PERCENT
cblr-3006	510	1	1978	DATE
cblr-3006	510	2	the supreme court	ORG
cblr-3006	510	3	marquette national bank	ORG
cblr-3006	510	4	omaha service corp.	ORG
cblr-3006	511	1	marquette	GPE
cblr-3006	513	1	first	ORDINAL
cblr-3006	515	1	4 second	TIME
cblr-3006	515	2	annual	DATE
cblr-3006	516	1	82	CARDINAL
cblr-3006	517	1	299	CARDINAL
cblr-3006	517	2	1978	DATE
cblr-3006	518	1	84	CARDINAL
cblr-3006	518	2	christopher c. demuth	PERSON
cblr-3006	518	3	3	CARDINAL
cblr-3006	518	4	yale j.	PERSON
cblr-3006	519	1	201	CARDINAL
cblr-3006	519	2	217	CARDINAL
cblr-3006	519	3	1986	DATE
cblr-3006	519	4	donna craig vandenbrink	PERSON
cblr-3006	519	5	federal reserve bank of chicago	ORG
cblr-3006	519	6	1982	DATE
cblr-3006	520	1	85	CARDINAL
cblr-3006	520	2	80	CARDINAL
cblr-3006	520	3	654	CARDINAL
cblr-3006	520	4	85	CARDINAL
cblr-3006	520	5	218	CARDINAL
cblr-3006	520	6	annual	DATE
cblr-3006	524	1	annual	DATE
cblr-3006	524	2	first	ORDINAL
cblr-3006	525	1	carter	PERSON
cblr-3006	525	2	1980	DATE
cblr-3006	526	1	annual	DATE
cblr-3006	527	1	mandell	ORG
cblr-3006	527	2	supra	PERSON
cblr-3006	527	3	42	CARDINAL
cblr-3006	527	4	72	DATE
cblr-3006	528	1	one	CARDINAL
cblr-3006	528	2	annual	DATE
cblr-3006	529	1	annual	DATE
cblr-3006	531	1	3:5151	CARDINAL
cblr-3006	531	2	two	CARDINAL
cblr-3006	531	3	marquette	ORG
cblr-3006	532	1	south dakota	GPE
cblr-3006	532	2	delaware	GPE
cblr-3006	533	1	s6	GPE
cblr-3006	533	2	annual	DATE
cblr-3006	534	1	the 1980s	DATE
cblr-3006	534	2	at&t	ORG
cblr-3006	534	3	sears	ORG
cblr-3006	535	1	8	CARDINAL
cblr-3006	535	2	annual	DATE
cblr-3006	535	3	annual	DATE
cblr-3006	536	1	one-third	CARDINAL
cblr-3006	536	2	more than thirty percent	PERCENT
cblr-3006	537	1	between 1980 and 1985	DATE
cblr-3006	537	2	fifteen	CARDINAL
cblr-3006	538	1	80	CARDINAL
cblr-3006	538	2	654	CARDINAL
cblr-3006	539	1	87	CARDINAL
cblr-3006	539	2	2	CARDINAL
cblr-3006	539	3	118	CARDINAL
cblr-3006	539	4	8	CARDINAL
cblr-3006	539	5	the national bank	ORG
cblr-3006	539	6	77	CARDINAL
cblr-3006	540	1	l. rev	PERSON
cblr-3006	540	2	425	CARDINAL
cblr-3006	540	3	444	CARDINAL
cblr-3006	540	4	2004	DATE
cblr-3006	540	5	80	CARDINAL
cblr-3006	540	6	654	CARDINAL
cblr-3006	541	1	88	CARDINAL
cblr-3006	541	2	444	CARDINAL
cblr-3006	541	3	90	CARDINAL
cblr-3006	541	4	annual	DATE
cblr-3006	541	5	annual	DATE
cblr-3006	542	1	444	CARDINAL
cblr-3006	543	1	91	CARDINAL
cblr-3006	543	2	evans & schmalensee	ORG
cblr-3006	543	3	supra	PERSON
cblr-3006	543	4	2	CARDINAL
cblr-3006	543	5	218	CARDINAL
cblr-3006	544	1	92	CARDINAL
cblr-3006	546	1	2005	DATE
cblr-3006	546	2	24-hour	TIME
cblr-3006	547	1	from month to month	DATE
cblr-3006	547	2	annual	DATE
cblr-3006	548	1	annual	DATE
cblr-3006	549	1	3 today	TIME
cblr-3006	549	2	about eighty-five percent	CARDINAL
cblr-3006	549	3	annual	DATE
cblr-3006	551	1	annual	DATE
cblr-3006	552	1	annual	DATE
cblr-3006	552	2	mid-year	DATE
cblr-3006	552	3	annual	DATE
cblr-3006	553	1	95	CARDINAL
cblr-3006	554	1	two	CARDINAL
cblr-3006	555	1	first	ORDINAL
cblr-3006	555	2	d.	NORP
cblr-3006	555	3	lawrence m. ausubel	PERSON
cblr-3006	555	4	md.	GPE
cblr-3006	555	5	july 20, 1995	DATE
cblr-3006	556	1	1998	DATE
cblr-3006	556	2	only 14%	PERCENT
cblr-3006	556	3	annual	DATE
cblr-3006	556	4	2002	DATE
cblr-3006	556	5	only 2%	PERCENT
cblr-3006	557	1	annual	DATE
cblr-3006	557	2	3.31	MONEY
cblr-3006	557	3	1998	DATE
cblr-3006	557	4	0.50	MONEY
cblr-3006	557	5	2002	DATE
cblr-3006	558	1	federal reserve bank	ORG
cblr-3006	558	2	philadelphia	GPE
cblr-3006	558	3	9-10	CARDINAL
cblr-3006	559	1	94	CARDINAL
cblr-3006	559	2	evans & schmalensee	ORG
cblr-3006	559	3	supra	PERSON
cblr-3006	559	4	2	CARDINAL
cblr-3006	559	5	87	DATE
cblr-3006	559	6	2	CARDINAL
cblr-3006	559	7	143	CARDINAL
cblr-3006	559	8	annual	DATE
cblr-3006	559	9	mid-year	DATE
cblr-3006	559	10	first	ORDINAL
cblr-3006	559	11	annual	DATE
cblr-3006	559	12	second	ORDINAL
cblr-3006	560	1	two	CARDINAL
cblr-3006	560	2	ma rke tsno	PERSON
cblr-3006	561	1	3:5151	CARDINAL
cblr-3006	561	2	columbia business la w	ORG
cblr-3006	561	3	second	ORDINAL
cblr-3006	561	4	mastercard	ORG
cblr-3006	561	5	more than one	CARDINAL
cblr-3006	561	6	mastercard	ORG
cblr-3006	562	1	annual	DATE
cblr-3006	565	1	annual	DATE
cblr-3006	567	1	one	CARDINAL
cblr-3006	569	1	u.s.	GPE
cblr-3006	569	2	annual	DATE
cblr-3006	569	3	annual	DATE
cblr-3006	570	1	87	CARDINAL
cblr-3006	572	1	1970	DATE
cblr-3006	572	2	2%	PERCENT
cblr-3006	572	3	2001	DATE
cblr-3006	572	4	38%	PERCENT
cblr-3006	572	5	43%	PERCENT
cblr-3006	573	1	9'	CARDINAL
cblr-3006	573	2	klein et al	PERSON
cblr-3006	573	3	2005	DATE
cblr-3006	579	1	two	CARDINAL
cblr-3006	581	1	australia	GPE
cblr-3006	581	2	mastercard	ORG
cblr-3006	581	3	american	NORP
cblr-3006	582	1	australia	GPE
cblr-3006	583	1	vi	PERSON
cblr-3006	584	1	klein	PERSON
cblr-3006	584	2	2	CARDINAL
cblr-3006	584	3	58	CARDINAL
cblr-3006	584	4	98	CARDINAL
cblr-3006	585	1	australian	NORP
cblr-3006	585	2	62%	PERCENT
cblr-3006	585	3	only 28%	PERCENT
cblr-3006	586	1	chang et al.	PERSON
cblr-3006	586	2	75	CARDINAL
cblr-3006	586	3	1	CARDINAL
cblr-3006	590	1	3:5151	CARDINAL
cblr-3006	590	2	two	CARDINAL
cblr-3006	591	1	two	CARDINAL
cblr-3006	593	1	two	CARDINAL
cblr-3006	595	1	two	CARDINAL
cblr-3006	596	1	australia	GPE
cblr-3006	597	1	australian	NORP
cblr-3006	600	1	2005	DATE