id	sid	tid	token	lemma	pos
cblr-14250	1	1	4	4	X
cblr-14250	1	2	.	.	PUNCT
cblr-14250	1	3	conti	conti	ADJ
cblr-14250	1	4	-	-	ADJ
cblr-14250	1	5	brown	brown	ADJ
cblr-14250	1	6	&	&	CCONJ
cblr-14250	1	7	vanatta	vanatta	PROPN
cblr-14250	1	8	risk	risk	NOUN
cblr-14250	1	9	,	,	PUNCT
cblr-14250	1	10	discretion	discretion	NOUN
cblr-14250	1	11	,	,	PUNCT
cblr-14250	1	12	and	and	CCONJ
cblr-14250	1	13	bank	bank	NOUN
cblr-14250	1	14	supervision	supervision	NOUN
cblr-14250	1	15	article	article	NOUN
cblr-14250	1	16	risk	risk	NOUN
cblr-14250	1	17	,	,	PUNCT
cblr-14250	1	18	discretion	discretion	NOUN
cblr-14250	1	19	,	,	PUNCT
cblr-14250	1	20	and	and	CCONJ
cblr-14250	1	21	bank	bank	PROPN
cblr-14250	1	22	supervision	supervision	PROPN
cblr-14250	1	23	peter	peter	PROPN
cblr-14250	1	24	conti	conti	PROPN
cblr-14250	1	25	-	-	PROPN
cblr-14250	1	26	brown	brown	ADJ
cblr-14250	1	27	&	&	CCONJ
cblr-14250	1	28	sean	sean	PROPN
cblr-14250	1	29	vanatta	vanatta	PROPN
cblr-14250	1	30	*	*	PUNCT
cblr-14250	2	1	this	this	DET
cblr-14250	2	2	article	article	NOUN
cblr-14250	2	3	argues	argue	VERB
cblr-14250	2	4	that	that	SCONJ
cblr-14250	2	5	an	an	DET
cblr-14250	2	6	old	old	ADJ
cblr-14250	2	7	but	but	CCONJ
cblr-14250	2	8	overlooked	overlook	VERB
cblr-14250	2	9	form	form	NOUN
cblr-14250	2	10	of	of	ADP
cblr-14250	2	11	governmental	governmental	ADJ
cblr-14250	2	12	oversight	oversight	NOUN
cblr-14250	2	13	—	—	PUNCT
cblr-14250	2	14	bank	bank	NOUN
cblr-14250	2	15	supervision	supervision	NOUN
cblr-14250	2	16	—	—	PUNCT
cblr-14250	2	17	sits	sit	VERB
cblr-14250	2	18	at	at	ADP
cblr-14250	2	19	the	the	DET
cblr-14250	2	20	center	center	NOUN
cblr-14250	2	21	of	of	ADP
cblr-14250	2	22	two	two	NUM
cblr-14250	2	23	foundational	foundational	ADJ
cblr-14250	2	24	tensions	tension	NOUN
cblr-14250	2	25	in	in	ADP
cblr-14250	2	26	the	the	DET
cblr-14250	2	27	governance	governance	NOUN
cblr-14250	2	28	of	of	ADP
cblr-14250	2	29	the	the	DET
cblr-14250	2	30	american	american	ADJ
cblr-14250	2	31	economy	economy	NOUN
cblr-14250	2	32	.	.	PUNCT
cblr-14250	3	1	the	the	DET
cblr-14250	3	2	first	first	ADJ
cblr-14250	3	3	is	be	AUX
cblr-14250	3	4	the	the	DET
cblr-14250	3	5	extent	extent	NOUN
cblr-14250	3	6	to	to	PART
cblr-14250	3	7	which	which	PRON
cblr-14250	3	8	the	the	DET
cblr-14250	3	9	financial	financial	ADJ
cblr-14250	3	10	system	system	NOUN
cblr-14250	3	11	is	be	AUX
cblr-14250	3	12	controlled	control	VERB
cblr-14250	3	13	by	by	ADP
cblr-14250	3	14	public	public	ADJ
cblr-14250	3	15	actors	actor	NOUN
cblr-14250	3	16	(	(	PUNCT
cblr-14250	3	17	i.e.	i.e.	X
cblr-14250	3	18	,	,	PUNCT
cblr-14250	3	19	the	the	DET
cblr-14250	3	20	government	government	NOUN
cblr-14250	3	21	)	)	PUNCT
cblr-14250	3	22	versus	versus	ADP
cblr-14250	3	23	private	private	ADJ
cblr-14250	3	24	actors	actor	NOUN
cblr-14250	3	25	(	(	PUNCT
cblr-14250	3	26	e.g.	e.g.	ADV
cblr-14250	3	27	,	,	PUNCT
cblr-14250	3	28	the	the	DET
cblr-14250	3	29	banks	bank	NOUN
cblr-14250	3	30	)	)	PUNCT
cblr-14250	3	31	.	.	PUNCT
cblr-14250	4	1	the	the	DET
cblr-14250	4	2	second	second	NOUN
cblr-14250	4	3	is	be	AUX
cblr-14250	4	4	the	the	DET
cblr-14250	4	5	extent	extent	NOUN
cblr-14250	4	6	to	to	PART
cblr-14250	4	7	which	which	PRON
cblr-14250	4	8	the	the	DET
cblr-14250	4	9	contest	contest	NOUN
cblr-14250	4	10	for	for	ADP
cblr-14250	4	11	that	that	DET
cblr-14250	4	12	control	control	NOUN
cblr-14250	4	13	is	be	AUX
cblr-14250	4	14	regulated	regulate	VERB
cblr-14250	4	15	by	by	ADP
cblr-14250	4	16	bright	bright	ADJ
cblr-14250	4	17	-	-	PUNCT
cblr-14250	4	18	line	line	NOUN
cblr-14250	4	19	rules	rule	NOUN
cblr-14250	4	20	versus	versus	ADP
cblr-14250	4	21	by	by	ADP
cblr-14250	4	22	the	the	DET
cblr-14250	4	23	exercise	exercise	NOUN
cblr-14250	4	24	of	of	ADP
cblr-14250	4	25	regulatory	regulatory	ADJ
cblr-14250	4	26	discretion	discretion	NOUN
cblr-14250	4	27	.	.	PUNCT
cblr-14250	5	1	on	on	ADP
cblr-14250	5	2	the	the	DET
cblr-14250	5	3	first	first	ADJ
cblr-14250	5	4	tension	tension	NOUN
cblr-14250	5	5	,	,	PUNCT
cblr-14250	5	6	this	this	DET
cblr-14250	5	7	article	article	NOUN
cblr-14250	5	8	argues	argue	VERB
cblr-14250	5	9	that	that	SCONJ
cblr-14250	5	10	supervision	supervision	NOUN
cblr-14250	5	11	is	be	AUX
cblr-14250	5	12	the	the	DET
cblr-14250	5	13	public	public	ADJ
cblr-14250	5	14	and	and	CCONJ
cblr-14250	5	15	private	private	ADJ
cblr-14250	5	16	participation	participation	NOUN
cblr-14250	5	17	in	in	ADP
cblr-14250	5	18	financial	financial	ADJ
cblr-14250	5	19	risk	risk	NOUN
cblr-14250	5	20	management	management	NOUN
cblr-14250	5	21	,	,	PUNCT
cblr-14250	5	22	such	such	ADJ
cblr-14250	5	23	that	that	SCONJ
cblr-14250	5	24	public	public	ADJ
cblr-14250	5	25	actors	actor	NOUN
cblr-14250	5	26	can	can	AUX
cblr-14250	5	27	not	not	PART
cblr-14250	5	28	relinquish	relinquish	VERB
cblr-14250	5	29	control	control	NOUN
cblr-14250	5	30	of	of	ADP
cblr-14250	5	31	residual	residual	ADJ
cblr-14250	5	32	risk	risk	NOUN
cblr-14250	5	33	while	while	SCONJ
cblr-14250	5	34	private	private	ADJ
cblr-14250	5	35	actors	actor	NOUN
cblr-14250	5	36	do	do	AUX
cblr-14250	5	37	not	not	PART
cblr-14250	5	38	relinquish	relinquish	VERB
cblr-14250	5	39	control	control	NOUN
cblr-14250	5	40	of	of	ADP
cblr-14250	5	41	frontline	frontline	NOUN
cblr-14250	5	42	risk	risk	NOUN
cblr-14250	5	43	management	management	NOUN
cblr-14250	5	44	.	.	PUNCT
cblr-14250	6	1	in	in	ADP
cblr-14250	6	2	this	this	DET
cblr-14250	6	3	sense	sense	NOUN
cblr-14250	6	4	,	,	PUNCT
cblr-14250	6	5	risk	risk	NOUN
cblr-14250	6	6	management	management	NOUN
cblr-14250	6	7	is	be	AUX
cblr-14250	6	8	shared	share	VERB
cblr-14250	6	9	,	,	PUNCT
cblr-14250	6	10	but	but	CCONJ
cblr-14250	6	11	not	not	PART
cblr-14250	6	12	shared	share	VERB
cblr-14250	6	13	equally	equally	ADV
cblr-14250	6	14	:	:	PUNCT
cblr-14250	6	15	bank	bank	NOUN
cblr-14250	6	16	supervisors	supervisor	NOUN
cblr-14250	6	17	represent	represent	VERB
cblr-14250	6	18	a	a	DET
cblr-14250	6	19	government	government	NOUN
cblr-14250	6	20	that	that	PRON
cblr-14250	6	21	has	have	AUX
cblr-14250	6	22	essentially	essentially	ADV
cblr-14250	6	23	guaranteed	guarantee	VERB
cblr-14250	6	24	the	the	DET
cblr-14250	6	25	resilience	resilience	NOUN
cblr-14250	6	26	of	of	ADP
cblr-14250	6	27	the	the	DET
cblr-14250	6	28	financial	financial	ADJ
cblr-14250	6	29	system	system	NOUN
cblr-14250	6	30	through	through	ADP
cblr-14250	6	31	formal	formal	ADJ
cblr-14250	6	32	and	and	CCONJ
cblr-14250	6	33	informal	informal	ADJ
cblr-14250	6	34	commitments	commitment	NOUN
cblr-14250	6	35	.	.	PUNCT
cblr-14250	7	1	supervision	supervision	NOUN
cblr-14250	7	2	is	be	AUX
cblr-14250	7	3	the	the	DET
cblr-14250	7	4	part	part	NOUN
cblr-14250	7	5	of	of	ADP
cblr-14250	7	6	the	the	DET
cblr-14250	7	7	government	government	NOUN
cblr-14250	7	8	that	that	PRON
cblr-14250	7	9	is	be	AUX
cblr-14250	7	10	created	create	VERB
cblr-14250	7	11	and	and	CCONJ
cblr-14250	7	12	evolves	evolve	VERB
cblr-14250	7	13	—	—	PUNCT
cblr-14250	7	14	however	however	ADV
cblr-14250	7	15	imperfectly	imperfectly	ADV
cblr-14250	7	16	—	—	PUNCT
cblr-14250	7	17	to	to	PART
cblr-14250	7	18	manage	manage	VERB
cblr-14250	7	19	those	those	DET
cblr-14250	7	20	relationships	relationship	NOUN
cblr-14250	7	21	,	,	PUNCT
cblr-14250	7	22	guarantees	guarantee	NOUN
cblr-14250	7	23	,	,	PUNCT
cblr-14250	7	24	and	and	CCONJ
cblr-14250	7	25	commitments	commitment	NOUN
cblr-14250	7	26	.	.	PUNCT
cblr-14250	8	1	the	the	DET
cblr-14250	8	2	second	second	ADJ
cblr-14250	8	3	tension	tension	NOUN
cblr-14250	8	4	,	,	PUNCT
cblr-14250	8	5	between	between	ADP
cblr-14250	8	6	*	*	PUNCT
cblr-14250	8	7	peter	peter	PROPN
cblr-14250	8	8	conti	conti	PROPN
cblr-14250	8	9	-	-	ADJ
cblr-14250	8	10	brown	brown	ADJ
cblr-14250	8	11	is	be	AUX
cblr-14250	8	12	the	the	DET
cblr-14250	8	13	class	class	NOUN
cblr-14250	8	14	of	of	ADP
cblr-14250	8	15	1965	1965	NUM
cblr-14250	8	16	associate	associate	NOUN
cblr-14250	8	17	professor	professor	NOUN
cblr-14250	8	18	of	of	ADP
cblr-14250	8	19	financial	financial	ADJ
cblr-14250	8	20	regulation	regulation	NOUN
cblr-14250	8	21	,	,	PUNCT
cblr-14250	8	22	the	the	DET
cblr-14250	8	23	wharton	wharton	PROPN
cblr-14250	8	24	school	school	NOUN
cblr-14250	8	25	of	of	ADP
cblr-14250	8	26	the	the	DET
cblr-14250	8	27	university	university	PROPN
cblr-14250	8	28	of	of	ADP
cblr-14250	8	29	pennsylvania	pennsylvania	PROPN
cblr-14250	8	30	;	;	PUNCT
cblr-14250	8	31	nonresident	nonresident	ADJ
cblr-14250	8	32	fellow	fellow	NOUN
cblr-14250	8	33	in	in	ADP
cblr-14250	8	34	economics	economic	NOUN
cblr-14250	8	35	studies	study	NOUN
cblr-14250	8	36	,	,	PUNCT
cblr-14250	8	37	the	the	DET
cblr-14250	8	38	brookings	brookings	PROPN
cblr-14250	8	39	institution	institution	NOUN
cblr-14250	8	40	.	.	PUNCT
cblr-14250	9	1	sean	sean	PROPN
cblr-14250	9	2	vanatta	vanatta	PROPN
cblr-14250	9	3	is	be	AUX
cblr-14250	9	4	senior	senior	ADJ
cblr-14250	9	5	lecturer	lecturer	NOUN
cblr-14250	9	6	in	in	ADP
cblr-14250	9	7	financial	financial	ADJ
cblr-14250	9	8	history	history	NOUN
cblr-14250	9	9	and	and	CCONJ
cblr-14250	9	10	policy	policy	NOUN
cblr-14250	9	11	,	,	PUNCT
cblr-14250	9	12	university	university	NOUN
cblr-14250	9	13	of	of	ADP
cblr-14250	9	14	glasgow	glasgow	PROPN
cblr-14250	9	15	.	.	PUNCT
cblr-14250	10	1	for	for	ADP
cblr-14250	10	2	important	important	ADJ
cblr-14250	10	3	and	and	CCONJ
cblr-14250	10	4	thorough	thorough	ADJ
cblr-14250	10	5	comments	comment	NOUN
cblr-14250	10	6	,	,	PUNCT
cblr-14250	10	7	we	we	PRON
cblr-14250	10	8	thank	thank	VERB
cblr-14250	10	9	dan	dan	PROPN
cblr-14250	10	10	awrey	awrey	PROPN
cblr-14250	10	11	,	,	PUNCT
cblr-14250	10	12	brian	brian	PROPN
cblr-14250	10	13	feinstein	feinstein	PROPN
cblr-14250	10	14	,	,	PUNCT
cblr-14250	10	15	howell	howell	PROPN
cblr-14250	10	16	jackson	jackson	PROPN
cblr-14250	10	17	,	,	PUNCT
cblr-14250	10	18	kate	kate	PROPN
cblr-14250	10	19	judge	judge	PROPN
cblr-14250	10	20	,	,	PUNCT
cblr-14250	10	21	jeremy	jeremy	PROPN
cblr-14250	10	22	kress	kress	PROPN
cblr-14250	10	23	,	,	PUNCT
cblr-14250	10	24	saule	saule	PROPN
cblr-14250	10	25	omarova	omarova	PROPN
cblr-14250	10	26	,	,	PUNCT
cblr-14250	10	27	rory	rory	PROPN
cblr-14250	10	28	van	van	PROPN
cblr-14250	10	29	loo	loo	PROPN
cblr-14250	10	30	,	,	PUNCT
cblr-14250	10	31	david	david	PROPN
cblr-14250	10	32	wishnick	wishnick	PROPN
cblr-14250	10	33	,	,	PUNCT
cblr-14250	10	34	david	david	PROPN
cblr-14250	10	35	zaring	zaring	PROPN
cblr-14250	10	36	,	,	PUNCT
cblr-14250	10	37	and	and	CCONJ
cblr-14250	10	38	participants	participant	NOUN
cblr-14250	10	39	in	in	ADP
cblr-14250	10	40	the	the	DET
cblr-14250	10	41	wharton	wharton	PROPN
cblr-14250	10	42	finreg	finreg	NOUN
cblr-14250	10	43	workshop	workshop	NOUN
cblr-14250	10	44	.	.	PUNCT
cblr-14250	11	1	we	we	PRON
cblr-14250	11	2	thank	thank	VERB
cblr-14250	11	3	too	too	ADV
cblr-14250	11	4	james	james	PROPN
cblr-14250	11	5	blume	blume	PROPN
cblr-14250	11	6	,	,	PUNCT
cblr-14250	11	7	sophia	sophia	PROPN
cblr-14250	11	8	rosser	rosser	PROPN
cblr-14250	11	9	,	,	PUNCT
cblr-14250	11	10	and	and	CCONJ
cblr-14250	11	11	caroline	caroline	PROPN
cblr-14250	11	12	hackley	hackley	PROPN
cblr-14250	11	13	for	for	ADP
cblr-14250	11	14	research	research	NOUN
cblr-14250	11	15	assistance	assistance	NOUN
cblr-14250	11	16	.	.	PUNCT
cblr-14250	12	1	this	this	DET
cblr-14250	12	2	article	article	NOUN
cblr-14250	12	3	draws	draw	VERB
cblr-14250	12	4	from	from	ADP
cblr-14250	12	5	and	and	CCONJ
cblr-14250	12	6	expands	expand	VERB
cblr-14250	12	7	on	on	ADP
cblr-14250	12	8	our	our	PRON
cblr-14250	12	9	forthcoming	forthcoming	ADJ
cblr-14250	12	10	book	book	NOUN
cblr-14250	12	11	,	,	PUNCT
cblr-14250	12	12	private	private	ADJ
cblr-14250	12	13	finance	finance	NOUN
cblr-14250	12	14	,	,	PUNCT
cblr-14250	12	15	public	public	ADJ
cblr-14250	12	16	power	power	NOUN
cblr-14250	12	17	:	:	PUNCT
cblr-14250	12	18	a	a	DET
cblr-14250	12	19	history	history	NOUN
cblr-14250	12	20	of	of	ADP
cblr-14250	12	21	bank	bank	NOUN
cblr-14250	12	22	supervision	supervision	NOUN
cblr-14250	12	23	in	in	ADP
cblr-14250	12	24	america	america	PROPN
cblr-14250	12	25	(	(	PUNCT
cblr-14250	12	26	2025	2025	NUM
cblr-14250	12	27	)	)	PUNCT
cblr-14250	12	28	.	.	PUNCT
cblr-14250	13	1	130	130	NUM
cblr-14250	13	2	columbia	columbia	PROPN
cblr-14250	13	3	business	business	NOUN
cblr-14250	13	4	law	law	PROPN
cblr-14250	13	5	review	review	NOUN
cblr-14250	13	6	[	[	X
cblr-14250	13	7	vol	vol	NOUN
cblr-14250	13	8	.	.	PUNCT
cblr-14250	13	9	2025	2025	NUM
cblr-14250	13	10	rules	rule	NOUN
cblr-14250	13	11	and	and	CCONJ
cblr-14250	13	12	discretion	discretion	NOUN
cblr-14250	13	13	in	in	ADP
cblr-14250	13	14	managing	manage	VERB
cblr-14250	13	15	those	those	DET
cblr-14250	13	16	commitments	commitment	NOUN
cblr-14250	13	17	,	,	PUNCT
cblr-14250	13	18	represents	represent	VERB
cblr-14250	13	19	the	the	DET
cblr-14250	13	20	defining	define	VERB
cblr-14250	13	21	ethos	ethos	NOUN
cblr-14250	13	22	of	of	ADP
cblr-14250	13	23	bank	bank	NOUN
cblr-14250	13	24	supervision	supervision	NOUN
cblr-14250	13	25	.	.	PUNCT
cblr-14250	14	1	the	the	DET
cblr-14250	14	2	process	process	NOUN
cblr-14250	14	3	of	of	ADP
cblr-14250	14	4	supervision	supervision	NOUN
cblr-14250	14	5	is	be	AUX
cblr-14250	14	6	not	not	PART
cblr-14250	14	7	simply	simply	ADV
cblr-14250	14	8	the	the	DET
cblr-14250	14	9	verification	verification	NOUN
cblr-14250	14	10	of	of	ADP
cblr-14250	14	11	compliance	compliance	NOUN
cblr-14250	14	12	with	with	ADP
cblr-14250	14	13	laws	law	NOUN
cblr-14250	14	14	promulgated	promulgate	VERB
cblr-14250	14	15	by	by	ADP
cblr-14250	14	16	congress	congress	PROPN
cblr-14250	14	17	;	;	PUNCT
cblr-14250	14	18	rather	rather	ADV
cblr-14250	14	19	,	,	PUNCT
cblr-14250	14	20	it	it	PRON
cblr-14250	14	21	is	be	AUX
cblr-14250	14	22	a	a	DET
cblr-14250	14	23	flexible	flexible	ADJ
cblr-14250	14	24	use	use	NOUN
cblr-14250	14	25	of	of	ADP
cblr-14250	14	26	discretion	discretion	NOUN
cblr-14250	14	27	within	within	ADP
cblr-14250	14	28	a	a	DET
cblr-14250	14	29	system	system	NOUN
cblr-14250	14	30	whose	whose	DET
cblr-14250	14	31	boundaries	boundary	NOUN
cblr-14250	14	32	are	be	AUX
cblr-14250	14	33	defined	define	VERB
cblr-14250	14	34	by	by	ADP
cblr-14250	14	35	rules	rule	NOUN
cblr-14250	14	36	that	that	PRON
cblr-14250	14	37	are	be	AUX
cblr-14250	14	38	intentionally	intentionally	ADV
cblr-14250	14	39	broad	broad	ADJ
cblr-14250	14	40	and	and	CCONJ
cblr-14250	14	41	vague	vague	ADJ
cblr-14250	14	42	.	.	PUNCT
cblr-14250	15	1	this	this	DET
cblr-14250	15	2	last	last	ADJ
cblr-14250	15	3	point	point	NOUN
cblr-14250	15	4	is	be	AUX
cblr-14250	15	5	of	of	ADP
cblr-14250	15	6	profound	profound	ADJ
cblr-14250	15	7	importance	importance	NOUN
cblr-14250	15	8	in	in	ADP
cblr-14250	15	9	the	the	DET
cblr-14250	15	10	post	post	ADJ
cblr-14250	15	11	-	-	ADJ
cblr-14250	15	12	chevron	chevron	ADJ
cblr-14250	15	13	era	era	NOUN
cblr-14250	15	14	:	:	PUNCT
cblr-14250	15	15	as	as	SCONJ
cblr-14250	15	16	regulations	regulation	NOUN
cblr-14250	15	17	receive	receive	VERB
cblr-14250	15	18	less	less	ADJ
cblr-14250	15	19	deference	deference	NOUN
cblr-14250	15	20	in	in	ADP
cblr-14250	15	21	courts	court	NOUN
cblr-14250	15	22	,	,	PUNCT
cblr-14250	15	23	supervisory	supervisory	ADJ
cblr-14250	15	24	assessments	assessment	NOUN
cblr-14250	15	25	will	will	AUX
cblr-14250	15	26	likely	likely	ADV
cblr-14250	15	27	expand	expand	VERB
cblr-14250	15	28	in	in	ADP
cblr-14250	15	29	importance	importance	NOUN
cblr-14250	15	30	even	even	ADV
cblr-14250	15	31	further	far	ADV
cblr-14250	15	32	.	.	PUNCT
cblr-14250	16	1	using	use	VERB
cblr-14250	16	2	the	the	DET
cblr-14250	16	3	rich	rich	ADJ
cblr-14250	16	4	history	history	NOUN
cblr-14250	16	5	of	of	ADP
cblr-14250	16	6	supervision	supervision	NOUN
cblr-14250	16	7	in	in	ADP
cblr-14250	16	8	the	the	DET
cblr-14250	16	9	united	united	PROPN
cblr-14250	16	10	states	states	PROPN
cblr-14250	16	11	from	from	ADP
cblr-14250	16	12	the	the	DET
cblr-14250	16	13	antebellum	antebellum	ADJ
cblr-14250	16	14	period	period	NOUN
cblr-14250	16	15	to	to	ADP
cblr-14250	16	16	the	the	DET
cblr-14250	16	17	present	present	NOUN
cblr-14250	16	18	,	,	PUNCT
cblr-14250	16	19	this	this	DET
cblr-14250	16	20	article	article	NOUN
cblr-14250	16	21	presents	present	VERB
cblr-14250	16	22	a	a	DET
cblr-14250	16	23	theoretical	theoretical	ADJ
cblr-14250	16	24	conception	conception	NOUN
cblr-14250	16	25	of	of	ADP
cblr-14250	16	26	supervision	supervision	NOUN
cblr-14250	16	27	as	as	ADP
cblr-14250	16	28	the	the	DET
cblr-14250	16	29	space	space	NOUN
cblr-14250	16	30	where	where	SCONJ
cblr-14250	16	31	bankers	banker	NOUN
cblr-14250	16	32	and	and	CCONJ
cblr-14250	16	33	the	the	DET
cblr-14250	16	34	government	government	NOUN
cblr-14250	16	35	engage	engage	VERB
cblr-14250	16	36	each	each	DET
cblr-14250	16	37	other	other	ADJ
cblr-14250	16	38	in	in	ADP
cblr-14250	16	39	sometimes	sometimes	ADV
cblr-14250	16	40	cooperative	cooperative	ADJ
cblr-14250	16	41	,	,	PUNCT
cblr-14250	16	42	sometimes	sometimes	ADV
cblr-14250	16	43	contentious	contentious	ADJ
cblr-14250	16	44	disputes	dispute	NOUN
cblr-14250	16	45	with	with	ADP
cblr-14250	16	46	substantial	substantial	ADJ
cblr-14250	16	47	influence	influence	NOUN
cblr-14250	16	48	on	on	ADP
cblr-14250	16	49	the	the	DET
cblr-14250	16	50	direction	direction	NOUN
cblr-14250	16	51	of	of	ADP
cblr-14250	16	52	financial	financial	ADJ
cblr-14250	16	53	and	and	CCONJ
cblr-14250	16	54	economic	economic	ADJ
cblr-14250	16	55	policy	policy	NOUN
cblr-14250	16	56	.	.	PUNCT
cblr-14250	17	1	this	this	DET
cblr-14250	17	2	conception	conception	NOUN
cblr-14250	17	3	of	of	ADP
cblr-14250	17	4	bank	bank	NOUN
cblr-14250	17	5	supervision	supervision	NOUN
cblr-14250	17	6	makes	make	VERB
cblr-14250	17	7	important	important	ADJ
cblr-14250	17	8	contributions	contribution	NOUN
cblr-14250	17	9	to	to	ADP
cblr-14250	17	10	our	our	PRON
cblr-14250	17	11	understanding	understanding	NOUN
cblr-14250	17	12	of	of	ADP
cblr-14250	17	13	issues	issue	NOUN
cblr-14250	17	14	of	of	ADP
cblr-14250	17	15	importance	importance	NOUN
cblr-14250	17	16	to	to	ADP
cblr-14250	17	17	banking	banking	NOUN
cblr-14250	17	18	,	,	PUNCT
cblr-14250	17	19	such	such	ADJ
cblr-14250	17	20	as	as	ADP
cblr-14250	17	21	climate	climate	NOUN
cblr-14250	17	22	change	change	NOUN
cblr-14250	17	23	finance	finance	NOUN
cblr-14250	17	24	and	and	CCONJ
cblr-14250	17	25	deposit	deposit	NOUN
cblr-14250	17	26	insurance	insurance	NOUN
cblr-14250	17	27	,	,	PUNCT
cblr-14250	17	28	but	but	CCONJ
cblr-14250	17	29	also	also	ADV
cblr-14250	17	30	has	have	VERB
cblr-14250	17	31	important	important	ADJ
cblr-14250	17	32	implications	implication	NOUN
cblr-14250	17	33	for	for	ADP
cblr-14250	17	34	administrative	administrative	ADJ
cblr-14250	17	35	law	law	NOUN
cblr-14250	17	36	,	,	PUNCT
cblr-14250	17	37	constitutional	constitutional	ADJ
cblr-14250	17	38	law	law	NOUN
cblr-14250	17	39	,	,	PUNCT
cblr-14250	17	40	and	and	CCONJ
cblr-14250	17	41	the	the	DET
cblr-14250	17	42	evolution	evolution	NOUN
cblr-14250	17	43	of	of	ADP
cblr-14250	17	44	state	state	NOUN
cblr-14250	17	45	capacity	capacity	NOUN
cblr-14250	17	46	in	in	ADP
cblr-14250	17	47	the	the	DET
cblr-14250	17	48	united	united	PROPN
cblr-14250	17	49	states	states	PROPN
cblr-14250	17	50	in	in	ADP
cblr-14250	17	51	the	the	DET
cblr-14250	17	52	long	long	ADJ
cblr-14250	17	53	20th	20th	ADJ
cblr-14250	17	54	century	century	NOUN
cblr-14250	17	55	.	.	PUNCT
cblr-14250	18	1	introduction	introduction	NOUN
cblr-14250	18	2	:	:	PUNCT
cblr-14250	18	3	bank	bank	NOUN
cblr-14250	18	4	supervision	supervision	NOUN
cblr-14250	18	5	and	and	CCONJ
cblr-14250	18	6	the	the	DET
cblr-14250	18	7	structure	structure	NOUN
cblr-14250	18	8	of	of	ADP
cblr-14250	18	9	american	american	ADJ
cblr-14250	18	10	finance	finance	NOUN
cblr-14250	18	11	...............................................	...............................................	PUNCT
cblr-14250	19	1	131	131	NUM
cblr-14250	19	2	i.	i.	NOUN
cblr-14250	19	3	what	what	PRON
cblr-14250	19	4	supervision	supervision	NOUN
cblr-14250	19	5	means	mean	VERB
cblr-14250	19	6	....................................	....................................	PUNCT
cblr-14250	19	7	140	140	NUM
cblr-14250	19	8	a.	a.	NOUN
cblr-14250	19	9	a	a	DET
cblr-14250	19	10	conceptual	conceptual	ADJ
cblr-14250	19	11	overview	overview	NOUN
cblr-14250	19	12	....................................	....................................	PUNCT
cblr-14250	19	13	140	140	NUM
cblr-14250	19	14	b.	b.	PROPN
cblr-14250	19	15	epistemologies	epistemology	NOUN
cblr-14250	19	16	of	of	ADP
cblr-14250	19	17	supervision	supervision	NOUN
cblr-14250	19	18	.........................	.........................	PUNCT
cblr-14250	19	19	145	145	NUM
cblr-14250	19	20	c.	c.	NOUN
cblr-14250	19	21	rules	rule	NOUN
cblr-14250	19	22	versus	versus	ADP
cblr-14250	19	23	discretion	discretion	NOUN
cblr-14250	19	24	in	in	ADP
cblr-14250	19	25	bank	bank	NOUN
cblr-14250	19	26	supervision	supervision	NOUN
cblr-14250	19	27	148	148	NUM
cblr-14250	19	28	d.	d.	NOUN
cblr-14250	19	29	supervision	supervision	NOUN
cblr-14250	19	30	as	as	ADP
cblr-14250	19	31	residual	residual	ADJ
cblr-14250	19	32	risk	risk	NOUN
cblr-14250	19	33	management	management	NOUN
cblr-14250	19	34	...	...	PUNCT
cblr-14250	19	35	151	151	NUM
cblr-14250	19	36	ii	ii	NOUN
cblr-14250	19	37	.	.	PUNCT
cblr-14250	19	38	supervision	supervision	PROPN
cblr-14250	19	39	’s	’s	PART
cblr-14250	19	40	slow	slow	ADJ
cblr-14250	19	41	and	and	CCONJ
cblr-14250	19	42	sudden	sudden	ADJ
cblr-14250	19	43	institutional	institutional	ADJ
cblr-14250	19	44	beginnings	beginning	NOUN
cblr-14250	19	45	:	:	PUNCT
cblr-14250	19	46	1789–1933	1789–1933	NUM
cblr-14250	19	47	.......................................	.......................................	PUNCT
cblr-14250	19	48	155	155	NUM
cblr-14250	19	49	a.	a.	NOUN
cblr-14250	19	50	origins	origin	NOUN
cblr-14250	19	51	:	:	PUNCT
cblr-14250	19	52	1789–1870	1789–1870	NUM
cblr-14250	19	53	..........................................	..........................................	PUNCT
cblr-14250	19	54	156	156	NUM
cblr-14250	19	55	b.	b.	PROPN
cblr-14250	19	56	scandals	scandal	NOUN
cblr-14250	19	57	,	,	PUNCT
cblr-14250	19	58	crises	crisis	NOUN
cblr-14250	19	59	,	,	PUNCT
cblr-14250	19	60	and	and	CCONJ
cblr-14250	19	61	bank	bank	NOUN
cblr-14250	19	62	supervision	supervision	NOUN
cblr-14250	19	63	,	,	PUNCT
cblr-14250	19	64	1870	1870	NUM
cblr-14250	19	65	–	–	PUNCT
cblr-14250	19	66	1907	1907	NUM
cblr-14250	19	67	...................................................................	...................................................................	PUNCT
cblr-14250	19	68	166	166	NUM
cblr-14250	19	69	c.	c.	PROPN
cblr-14250	19	70	institutional	institutional	ADJ
cblr-14250	19	71	layering	layering	NOUN
cblr-14250	19	72	and	and	CCONJ
cblr-14250	19	73	the	the	DET
cblr-14250	19	74	risk	risk	NOUN
cblr-14250	19	75	management	management	NOUN
cblr-14250	19	76	model	model	NOUN
cblr-14250	19	77	of	of	ADP
cblr-14250	19	78	bank	bank	PROPN
cblr-14250	19	79	supervision	supervision	NOUN
cblr-14250	19	80	,	,	PUNCT
cblr-14250	19	81	1907	1907	NUM
cblr-14250	19	82	–	–	PUNCT
cblr-14250	19	83	1925	1925	NUM
cblr-14250	19	84	...................................................................	...................................................................	PUNCT
cblr-14250	20	1	176	176	NUM
cblr-14250	20	2	no	no	NOUN
cblr-14250	20	3	.	.	NOUN
cblr-14250	20	4	1	1	NUM
cblr-14250	20	5	]	]	PUNCT
cblr-14250	20	6	risk	risk	NOUN
cblr-14250	20	7	,	,	PUNCT
cblr-14250	20	8	discretion	discretion	NOUN
cblr-14250	20	9	,	,	PUNCT
cblr-14250	20	10	and	and	CCONJ
cblr-14250	20	11	bank	bank	NOUN
cblr-14250	20	12	supervision	supervision	NOUN
cblr-14250	20	13	131	131	NUM
cblr-14250	20	14	d.	d.	PROPN
cblr-14250	20	15	institutional	institutional	PROPN
cblr-14250	20	16	innovation	innovation	PROPN
cblr-14250	20	17	,	,	PUNCT
cblr-14250	20	18	institutional	institutional	ADJ
cblr-14250	20	19	fragmentation	fragmentation	NOUN
cblr-14250	20	20	:	:	PUNCT
cblr-14250	20	21	1925	1925	NUM
cblr-14250	20	22	–	–	PUNCT
cblr-14250	20	23	1945	1945	NUM
cblr-14250	20	24	............................	............................	PUNCT
cblr-14250	20	25	183	183	NUM
cblr-14250	20	26	iii	iii	NOUN
cblr-14250	20	27	.	.	PUNCT
cblr-14250	21	1	the	the	DET
cblr-14250	21	2	rise	rise	NOUN
cblr-14250	21	3	and	and	CCONJ
cblr-14250	21	4	reach	reach	NOUN
cblr-14250	21	5	of	of	ADP
cblr-14250	21	6	supervisory	supervisory	ADJ
cblr-14250	21	7	discretion	discretion	NOUN
cblr-14250	21	8	:	:	PUNCT
cblr-14250	21	9	1945–1980	1945–1980	NUM
cblr-14250	21	10	............................................................	............................................................	NUM
cblr-14250	21	11	192	192	NUM
cblr-14250	21	12	a.	a.	NOUN
cblr-14250	21	13	1945	1945	NUM
cblr-14250	21	14	-	-	SYM
cblr-14250	21	15	1960	1960	NUM
cblr-14250	21	16	:	:	PUNCT
cblr-14250	21	17	supervising	supervise	VERB
cblr-14250	21	18	financial	financial	ADJ
cblr-14250	21	19	concentration	concentration	NOUN
cblr-14250	21	20	,	,	PUNCT
cblr-14250	21	21	antitrust	antitrust	ADJ
cblr-14250	21	22	,	,	PUNCT
cblr-14250	21	23	and	and	CCONJ
cblr-14250	21	24	bank	bank	NOUN
cblr-14250	21	25	holding	hold	VERB
cblr-14250	21	26	companies	company	NOUN
cblr-14250	21	27	........................................................	........................................................	PUNCT
cblr-14250	22	1	194	194	NUM
cblr-14250	22	2	b.	b.	PROPN
cblr-14250	22	3	supervising	supervise	VERB
cblr-14250	22	4	consumer	consumer	NOUN
cblr-14250	22	5	financial	financial	ADJ
cblr-14250	22	6	protection	protection	NOUN
cblr-14250	22	7	..	..	PUNCT
cblr-14250	22	8	205	205	NUM
cblr-14250	22	9	c.	c.	NOUN
cblr-14250	22	10	the	the	DET
cblr-14250	22	11	expanding	expand	VERB
cblr-14250	22	12	portfolio	portfolio	NOUN
cblr-14250	22	13	:	:	PUNCT
cblr-14250	22	14	bank	bank	NOUN
cblr-14250	22	15	supervision	supervision	NOUN
cblr-14250	22	16	and	and	CCONJ
cblr-14250	22	17	antidiscrimination	antidiscrimination	NOUN
cblr-14250	22	18	...........................................	...........................................	PUNCT
cblr-14250	22	19	210	210	NUM
cblr-14250	22	20	iv	iv	NOUN
cblr-14250	22	21	.	.	PUNCT
cblr-14250	22	22	modern	modern	ADJ
cblr-14250	22	23	applications	application	NOUN
cblr-14250	22	24	of	of	ADP
cblr-14250	22	25	risk	risk	NOUN
cblr-14250	22	26	,	,	PUNCT
cblr-14250	22	27	discretion	discretion	NOUN
cblr-14250	22	28	,	,	PUNCT
cblr-14250	22	29	and	and	CCONJ
cblr-14250	22	30	bank	bank	NOUN
cblr-14250	22	31	supervision	supervision	NOUN
cblr-14250	22	32	:	:	PUNCT
cblr-14250	22	33	climate	climate	NOUN
cblr-14250	22	34	change	change	NOUN
cblr-14250	22	35	,	,	PUNCT
cblr-14250	22	36	merger	merger	NOUN
cblr-14250	22	37	policy	policy	NOUN
cblr-14250	22	38	,	,	PUNCT
cblr-14250	22	39	and	and	CCONJ
cblr-14250	22	40	deposit	deposit	NOUN
cblr-14250	22	41	insurance	insurance	NOUN
cblr-14250	22	42	............................	............................	PUNCT
cblr-14250	22	43	216	216	NUM
cblr-14250	22	44	a.	a.	NOUN
cblr-14250	22	45	global	global	ADJ
cblr-14250	22	46	climate	climate	NOUN
cblr-14250	22	47	change	change	NOUN
cblr-14250	22	48	and	and	CCONJ
cblr-14250	22	49	bank	bank	NOUN
cblr-14250	22	50	supervision	supervision	NOUN
cblr-14250	22	51	...........................................................................	...........................................................................	PUNCT
cblr-14250	22	52	216	216	NUM
cblr-14250	22	53	b.	b.	PROPN
cblr-14250	22	54	bank	bank	PROPN
cblr-14250	22	55	merger	merger	NOUN
cblr-14250	22	56	policy	policy	NOUN
cblr-14250	22	57	in	in	ADP
cblr-14250	22	58	the	the	DET
cblr-14250	22	59	twenty	twenty	NUM
cblr-14250	22	60	-	-	PUNCT
cblr-14250	22	61	first	first	ADJ
cblr-14250	22	62	century	century	NOUN
cblr-14250	22	63	...........................................................................	...........................................................................	PUNCT
cblr-14250	22	64	220	220	NUM
cblr-14250	22	65	c.	c.	NOUN
cblr-14250	22	66	deposit	deposit	NOUN
cblr-14250	22	67	insurance	insurance	NOUN
cblr-14250	22	68	and	and	CCONJ
cblr-14250	22	69	bank	bank	NOUN
cblr-14250	22	70	supervision	supervision	NOUN
cblr-14250	22	71	......	......	PUNCT
cblr-14250	22	72	222	222	NUM
cblr-14250	22	73	conclusion	conclusion	NOUN
cblr-14250	22	74	.....................................................................	.....................................................................	PUNCT
cblr-14250	22	75	223	223	NUM
cblr-14250	22	76	introduction	introduction	NOUN
cblr-14250	22	77	:	:	PUNCT
cblr-14250	22	78	bank	bank	NOUN
cblr-14250	22	79	supervision	supervision	NOUN
cblr-14250	22	80	and	and	CCONJ
cblr-14250	22	81	the	the	DET
cblr-14250	22	82	structure	structure	NOUN
cblr-14250	22	83	of	of	ADP
cblr-14250	22	84	american	american	ADJ
cblr-14250	22	85	finance	finance	NOUN
cblr-14250	22	86	this	this	DET
cblr-14250	22	87	article	article	NOUN
cblr-14250	22	88	argues	argue	VERB
cblr-14250	22	89	that	that	SCONJ
cblr-14250	22	90	two	two	NUM
cblr-14250	22	91	of	of	ADP
cblr-14250	22	92	the	the	DET
cblr-14250	22	93	most	most	ADV
cblr-14250	22	94	important	important	ADJ
cblr-14250	22	95	debates	debate	NOUN
cblr-14250	22	96	about	about	ADP
cblr-14250	22	97	american	american	ADJ
cblr-14250	22	98	state	state	NOUN
cblr-14250	22	99	capacity	capacity	NOUN
cblr-14250	22	100	in	in	ADP
cblr-14250	22	101	general	general	ADJ
cblr-14250	22	102	,	,	PUNCT
cblr-14250	22	103	and	and	CCONJ
cblr-14250	22	104	banking	banking	NOUN
cblr-14250	22	105	and	and	CCONJ
cblr-14250	22	106	finance	finance	NOUN
cblr-14250	22	107	in	in	ADP
cblr-14250	22	108	particular	particular	ADJ
cblr-14250	22	109	,	,	PUNCT
cblr-14250	22	110	are	be	AUX
cblr-14250	22	111	better	well	ADV
cblr-14250	22	112	understood	understand	VERB
cblr-14250	22	113	as	as	ADP
cblr-14250	22	114	part	part	NOUN
cblr-14250	22	115	of	of	ADP
cblr-14250	22	116	the	the	DET
cblr-14250	22	117	same	same	ADJ
cblr-14250	22	118	conversation	conversation	NOUN
cblr-14250	22	119	.	.	PUNCT
cblr-14250	23	1	first	first	ADV
cblr-14250	23	2	,	,	PUNCT
cblr-14250	23	3	scholars	scholar	NOUN
cblr-14250	23	4	and	and	CCONJ
cblr-14250	23	5	policymakers	policymaker	NOUN
cblr-14250	23	6	argue	argue	VERB
cblr-14250	23	7	whether	whether	SCONJ
cblr-14250	23	8	the	the	DET
cblr-14250	23	9	financial	financial	ADJ
cblr-14250	23	10	system	system	NOUN
cblr-14250	23	11	is	be	AUX
cblr-14250	23	12	,	,	PUNCT
cblr-14250	23	13	or	or	CCONJ
cblr-14250	23	14	should	should	AUX
cblr-14250	23	15	be	be	AUX
cblr-14250	23	16	,	,	PUNCT
cblr-14250	23	17	public	public	ADJ
cblr-14250	23	18	or	or	CCONJ
cblr-14250	23	19	private.1	private.1	PROPN
cblr-14250	23	20	this	this	DET
cblr-14250	23	21	debate	debate	NOUN
cblr-14250	23	22	raises	raise	VERB
cblr-14250	23	23	the	the	DET
cblr-14250	23	24	question	question	NOUN
cblr-14250	23	25	whether	whether	SCONJ
cblr-14250	23	26	scholars	scholar	NOUN
cblr-14250	23	27	and	and	CCONJ
cblr-14250	23	28	policymakers	policymaker	NOUN
cblr-14250	23	29	should	should	AUX
cblr-14250	23	30	treat	treat	VERB
cblr-14250	23	31	private	private	ADJ
cblr-14250	23	32	initiative	initiative	NOUN
cblr-14250	23	33	as	as	SCONJ
cblr-14250	23	34	the	the	DET
cblr-14250	23	35	defining	define	VERB
cblr-14250	23	36	ethos	ethos	NOUN
cblr-14250	23	37	in	in	ADP
cblr-14250	23	38	the	the	DET
cblr-14250	23	39	provision	provision	NOUN
cblr-14250	23	40	of	of	ADP
cblr-14250	23	41	financial	financial	ADJ
cblr-14250	23	42	services	service	NOUN
cblr-14250	23	43	,	,	PUNCT
cblr-14250	23	44	or	or	CCONJ
cblr-14250	23	45	whether	whether	SCONJ
cblr-14250	23	46	these	these	DET
cblr-14250	23	47	services	service	NOUN
cblr-14250	23	48	are	be	AUX
cblr-14250	23	49	sufficiently	sufficiently	ADV
cblr-14250	23	50	essential	essential	ADJ
cblr-14250	23	51	to	to	PART
cblr-14250	23	52	justify	justify	VERB
cblr-14250	23	53	their	their	PRON
cblr-14250	23	54	1	1	NUM
cblr-14250	23	55	see	see	NOUN
cblr-14250	23	56	,	,	PUNCT
cblr-14250	23	57	e.g.	e.g.	ADV
cblr-14250	23	58	,	,	PUNCT
cblr-14250	23	59	saule	saule	PROPN
cblr-14250	23	60	omarova	omarova	PROPN
cblr-14250	23	61	,	,	PUNCT
cblr-14250	23	62	the	the	DET
cblr-14250	23	63	people	people	NOUN
cblr-14250	23	64	’s	’s	PART
cblr-14250	23	65	ledger	ledger	NOUN
cblr-14250	23	66	:	:	PUNCT
cblr-14250	23	67	how	how	SCONJ
cblr-14250	23	68	to	to	PART
cblr-14250	23	69	democratize	democratize	VERB
cblr-14250	23	70	money	money	NOUN
cblr-14250	23	71	and	and	CCONJ
cblr-14250	23	72	finance	finance	VERB
cblr-14250	23	73	the	the	DET
cblr-14250	23	74	economy	economy	NOUN
cblr-14250	23	75	,	,	PUNCT
cblr-14250	23	76	74	74	NUM
cblr-14250	23	77	vand	vand	NOUN
cblr-14250	23	78	.	.	PUNCT
cblr-14250	24	1	l.	l.	PROPN
cblr-14250	24	2	rev	rev	PROPN
cblr-14250	24	3	1231	1231	NUM
cblr-14250	24	4	(	(	PUNCT
cblr-14250	24	5	2021	2021	NUM
cblr-14250	24	6	)	)	PUNCT
cblr-14250	24	7	;	;	PUNCT
cblr-14250	24	8	lawrence	lawrence	PROPN
cblr-14250	24	9	h.	h.	PROPN
cblr-14250	24	10	white	white	PROPN
cblr-14250	24	11	,	,	PUNCT
cblr-14250	24	12	the	the	DET
cblr-14250	24	13	dynamics	dynamic	NOUN
cblr-14250	24	14	of	of	ADP
cblr-14250	24	15	competitive	competitive	ADJ
cblr-14250	24	16	coinage	coinage	NOUN
cblr-14250	24	17	:	:	PUNCT
cblr-14250	24	18	evidence	evidence	NOUN
cblr-14250	24	19	from	from	ADP
cblr-14250	24	20	private	private	ADJ
cblr-14250	24	21	mints	mint	NOUN
cblr-14250	24	22	in	in	ADP
cblr-14250	24	23	the	the	DET
cblr-14250	24	24	american	american	ADJ
cblr-14250	24	25	gold	gold	NOUN
cblr-14250	24	26	rushes	rush	VERB
cblr-14250	24	27	(	(	PUNCT
cblr-14250	24	28	gmu	gmu	PROPN
cblr-14250	24	29	working	working	PROPN
cblr-14250	24	30	paper	paper	NOUN
cblr-14250	24	31	in	in	ADP
cblr-14250	24	32	economics	economics	PROPN
cblr-14250	24	33	no	no	PROPN
cblr-14250	24	34	.	.	PROPN
cblr-14250	24	35	1941	1941	NUM
cblr-14250	24	36	,	,	PUNCT
cblr-14250	24	37	2020	2020	NUM
cblr-14250	24	38	)	)	PUNCT
cblr-14250	24	39	,	,	PUNCT
cblr-14250	24	40	https://ssrn.com/abstract=3499386	https://ssrn.com/abstract=3499386	NOUN
cblr-14250	25	1	[	[	X
cblr-14250	25	2	https://perma.cc/6mlkm7ul	https://perma.cc/6mlkm7ul	X
cblr-14250	25	3	]	]	PUNCT
cblr-14250	25	4	.	.	PUNCT
cblr-14250	26	1	132	132	NUM
cblr-14250	26	2	columbia	columbia	PROPN
cblr-14250	26	3	business	business	NOUN
cblr-14250	26	4	law	law	PROPN
cblr-14250	26	5	review	review	NOUN
cblr-14250	26	6	[	[	X
cblr-14250	26	7	vol	vol	NOUN
cblr-14250	26	8	.	.	PUNCT
cblr-14250	26	9	2025	2025	NUM
cblr-14250	26	10	reconceptualization	reconceptualization	NOUN
cblr-14250	26	11	as	as	ADP
cblr-14250	26	12	a	a	DET
cblr-14250	26	13	“	"	PUNCT
cblr-14250	26	14	public	public	ADJ
cblr-14250	26	15	good	good	ADJ
cblr-14250	26	16	”	"	PUNCT
cblr-14250	26	17	subject	subject	NOUN
cblr-14250	26	18	to	to	ADP
cblr-14250	26	19	associated	associated	ADJ
cblr-14250	26	20	regulations.2	regulations.2	PROPN
cblr-14250	26	21	second	second	ADJ
cblr-14250	26	22	,	,	PUNCT
cblr-14250	26	23	scholars	scholar	NOUN
cblr-14250	26	24	and	and	CCONJ
cblr-14250	26	25	policymakers	policymaker	NOUN
cblr-14250	26	26	debate	debate	VERB
cblr-14250	26	27	whether	whether	SCONJ
cblr-14250	26	28	the	the	DET
cblr-14250	26	29	exercise	exercise	NOUN
cblr-14250	26	30	of	of	ADP
cblr-14250	26	31	public	public	ADJ
cblr-14250	26	32	power	power	NOUN
cblr-14250	26	33	over	over	ADP
cblr-14250	26	34	the	the	DET
cblr-14250	26	35	financial	financial	ADJ
cblr-14250	26	36	system	system	NOUN
cblr-14250	26	37	should	should	AUX
cblr-14250	26	38	be	be	AUX
cblr-14250	26	39	based	base	VERB
cblr-14250	26	40	in	in	ADP
cblr-14250	26	41	rules	rule	NOUN
cblr-14250	26	42	,	,	PUNCT
cblr-14250	26	43	to	to	PART
cblr-14250	26	44	ensure	ensure	VERB
cblr-14250	26	45	compliance	compliance	NOUN
cblr-14250	26	46	with	with	ADP
cblr-14250	26	47	the	the	DET
cblr-14250	26	48	principles	principle	NOUN
cblr-14250	26	49	of	of	ADP
cblr-14250	26	50	due	due	ADJ
cblr-14250	26	51	process	process	NOUN
cblr-14250	26	52	and	and	CCONJ
cblr-14250	26	53	the	the	DET
cblr-14250	26	54	rule	rule	NOUN
cblr-14250	26	55	of	of	ADP
cblr-14250	26	56	law	law	NOUN
cblr-14250	26	57	,	,	PUNCT
cblr-14250	26	58	or	or	CCONJ
cblr-14250	26	59	subject	subject	ADJ
cblr-14250	26	60	to	to	ADP
cblr-14250	26	61	supervisory	supervisory	ADJ
cblr-14250	26	62	discretion	discretion	NOUN
cblr-14250	26	63	,	,	PUNCT
cblr-14250	26	64	to	to	PART
cblr-14250	26	65	ensure	ensure	VERB
cblr-14250	26	66	adaptability	adaptability	NOUN
cblr-14250	26	67	and	and	CCONJ
cblr-14250	26	68	flexibility.3	flexibility.3	PROPN
cblr-14250	26	69	on	on	ADP
cblr-14250	26	70	the	the	DET
cblr-14250	26	71	one	one	NUM
cblr-14250	26	72	hand	hand	NOUN
cblr-14250	26	73	,	,	PUNCT
cblr-14250	26	74	some	some	PRON
cblr-14250	26	75	have	have	AUX
cblr-14250	26	76	argued	argue	VERB
cblr-14250	26	77	that	that	SCONJ
cblr-14250	26	78	because	because	SCONJ
cblr-14250	26	79	a	a	DET
cblr-14250	26	80	substantial	substantial	ADJ
cblr-14250	26	81	majority	majority	NOUN
cblr-14250	26	82	of	of	ADP
cblr-14250	26	83	the	the	DET
cblr-14250	26	84	interactions	interaction	NOUN
cblr-14250	26	85	between	between	ADP
cblr-14250	26	86	the	the	DET
cblr-14250	26	87	government	government	NOUN
cblr-14250	26	88	and	and	CCONJ
cblr-14250	26	89	the	the	DET
cblr-14250	26	90	financial	financial	ADJ
cblr-14250	26	91	system	system	NOUN
cblr-14250	26	92	are	be	AUX
cblr-14250	26	93	not	not	PART
cblr-14250	26	94	rooted	root	VERB
cblr-14250	26	95	in	in	ADP
cblr-14250	26	96	these	these	DET
cblr-14250	26	97	rule	rule	NOUN
cblr-14250	26	98	-	-	PUNCT
cblr-14250	26	99	of	of	ADP
cblr-14250	26	100	-	-	PUNCT
cblr-14250	26	101	law	law	NOUN
cblr-14250	26	102	traditions	tradition	NOUN
cblr-14250	26	103	,	,	PUNCT
cblr-14250	26	104	discretionary	discretionary	ADJ
cblr-14250	26	105	supervision	supervision	NOUN
cblr-14250	26	106	itself	itself	PRON
cblr-14250	26	107	“	"	PUNCT
cblr-14250	26	108	sits	sit	VERB
cblr-14250	26	109	uncomfortably	uncomfortably	ADV
cblr-14250	26	110	with	with	ADP
cblr-14250	26	111	the	the	DET
cblr-14250	26	112	responsibilities	responsibility	NOUN
cblr-14250	26	113	of	of	ADP
cblr-14250	26	114	government	government	NOUN
cblr-14250	26	115	in	in	ADP
cblr-14250	26	116	a	a	DET
cblr-14250	26	117	democracy	democracy	NOUN
cblr-14250	26	118	.	.	PUNCT
cblr-14250	26	119	”4	”4	PUNCT
cblr-14250	27	1	on	on	ADP
cblr-14250	27	2	the	the	DET
cblr-14250	27	3	other	other	ADJ
cblr-14250	27	4	hand	hand	NOUN
cblr-14250	27	5	,	,	PUNCT
cblr-14250	27	6	enforcing	enforce	VERB
cblr-14250	27	7	a	a	DET
cblr-14250	27	8	rigid	rigid	ADJ
cblr-14250	27	9	rules	rule	NOUN
cblr-14250	27	10	-	-	PUNCT
cblr-14250	27	11	based	base	VERB
cblr-14250	27	12	approach	approach	NOUN
cblr-14250	27	13	to	to	ADP
cblr-14250	27	14	supervision	supervision	NOUN
cblr-14250	27	15	may	may	AUX
cblr-14250	27	16	constitute	constitute	VERB
cblr-14250	27	17	what	what	PRON
cblr-14250	27	18	legal	legal	ADJ
cblr-14250	27	19	scholar	scholar	NOUN
cblr-14250	27	20	jeremy	jeremy	PROPN
cblr-14250	27	21	kress	kress	PROPN
cblr-14250	27	22	regards	regard	VERB
cblr-14250	27	23	as	as	ADP
cblr-14250	27	24	part	part	NOUN
cblr-14250	27	25	of	of	ADP
cblr-14250	27	26	an	an	DET
cblr-14250	27	27	overall	overall	ADJ
cblr-14250	27	28	“	"	PUNCT
cblr-14250	27	29	war	war	NOUN
cblr-14250	27	30	on	on	ADP
cblr-14250	27	31	supervision	supervision	NOUN
cblr-14250	27	32	”	"	PUNCT
cblr-14250	27	33	that	that	PRON
cblr-14250	27	34	the	the	DET
cblr-14250	27	35	banking	banking	NOUN
cblr-14250	27	36	agencies	agency	NOUN
cblr-14250	27	37	allegedly	allegedly	ADV
cblr-14250	27	38	waged	wage	VERB
cblr-14250	27	39	during	during	ADP
cblr-14250	27	40	the	the	DET
cblr-14250	27	41	trump	trump	NOUN
cblr-14250	27	42	administration.5	administration.5	PROPN
cblr-14250	27	43	this	this	DET
cblr-14250	27	44	article	article	NOUN
cblr-14250	27	45	presents	present	VERB
cblr-14250	27	46	a	a	DET
cblr-14250	27	47	view	view	NOUN
cblr-14250	27	48	of	of	ADP
cblr-14250	27	49	banking	banking	NOUN
cblr-14250	27	50	and	and	CCONJ
cblr-14250	27	51	bank	bank	NOUN
cblr-14250	27	52	supervision	supervision	NOUN
cblr-14250	27	53	that	that	PRON
cblr-14250	27	54	unites	unite	VERB
cblr-14250	27	55	these	these	DET
cblr-14250	27	56	debates	debate	NOUN
cblr-14250	27	57	into	into	ADP
cblr-14250	27	58	a	a	DET
cblr-14250	27	59	single	single	ADJ
cblr-14250	27	60	intellectual	intellectual	ADJ
cblr-14250	27	61	framework.6	framework.6	PROPN
cblr-14250	27	62	supervision	supervision	NOUN
cblr-14250	27	63	is	be	AUX
cblr-14250	27	64	an	an	DET
cblr-14250	27	65	unusual	unusual	ADJ
cblr-14250	27	66	form	form	NOUN
cblr-14250	27	67	of	of	ADP
cblr-14250	27	68	government	government	NOUN
cblr-14250	27	69	2	2	NUM
cblr-14250	27	70	see	see	VERB
cblr-14250	27	71	,	,	PUNCT
cblr-14250	27	72	e.g.	e.g.	ADV
cblr-14250	27	73	,	,	PUNCT
cblr-14250	27	74	morgan	morgan	PROPN
cblr-14250	27	75	ricks	ricks	PROPN
cblr-14250	27	76	,	,	PUNCT
cblr-14250	27	77	money	money	NOUN
cblr-14250	27	78	as	as	ADP
cblr-14250	27	79	infrastructure	infrastructure	NOUN
cblr-14250	27	80	,	,	PUNCT
cblr-14250	27	81	2018	2018	NUM
cblr-14250	27	82	colum	colum	NOUN
cblr-14250	27	83	.	.	PUNCT
cblr-14250	28	1	bus	bus	NOUN
cblr-14250	28	2	.	.	PUNCT
cblr-14250	29	1	l.	l.	PROPN
cblr-14250	29	2	rev	rev	PROPN
cblr-14250	29	3	.	.	PROPN
cblr-14250	30	1	757	757	NUM
cblr-14250	30	2	(	(	PUNCT
cblr-14250	30	3	2018	2018	NUM
cblr-14250	30	4	)	)	PUNCT
cblr-14250	30	5	.	.	PUNCT
cblr-14250	31	1	3	3	NUM
cblr-14250	31	2	see	see	VERB
cblr-14250	31	3	,	,	PUNCT
cblr-14250	31	4	e.g.	e.g.	ADV
cblr-14250	31	5	,	,	PUNCT
cblr-14250	31	6	randal	randal	PROPN
cblr-14250	31	7	k.	k.	PROPN
cblr-14250	31	8	quarles	quarles	PROPN
cblr-14250	31	9	,	,	PUNCT
cblr-14250	31	10	spontaneity	spontaneity	NOUN
cblr-14250	31	11	and	and	CCONJ
cblr-14250	31	12	order	order	NOUN
cblr-14250	31	13	:	:	PUNCT
cblr-14250	31	14	transparency	transparency	NOUN
cblr-14250	31	15	,	,	PUNCT
cblr-14250	31	16	accountability	accountability	NOUN
cblr-14250	31	17	,	,	PUNCT
cblr-14250	31	18	and	and	CCONJ
cblr-14250	31	19	fairness	fairness	NOUN
cblr-14250	31	20	in	in	ADP
cblr-14250	31	21	bank	bank	NOUN
cblr-14250	31	22	supervision	supervision	NOUN
cblr-14250	31	23	(	(	PUNCT
cblr-14250	31	24	speech	speech	NOUN
cblr-14250	31	25	before	before	ADP
cblr-14250	31	26	the	the	DET
cblr-14250	31	27	am	am	NOUN
cblr-14250	31	28	.	.	PUNCT
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cblr-14250	32	2	ass’n	ass’n	NOUN
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cblr-14250	32	5	comm	comm	PROPN
cblr-14250	32	6	.	.	PUNCT
cblr-14250	33	1	meeting	meeting	NOUN
cblr-14250	33	2	,	,	PUNCT
cblr-14250	33	3	wash	wash	NOUN
cblr-14250	33	4	.	.	PUNCT
cblr-14250	34	1	d.c	d.c	PROPN
cblr-14250	34	2	.	.	PROPN
cblr-14250	34	3	,	,	PUNCT
cblr-14250	34	4	jan	jan	PROPN
cblr-14250	34	5	.	.	PROPN
cblr-14250	34	6	17	17	NUM
cblr-14250	34	7	,	,	PUNCT
cblr-14250	34	8	2020	2020	NUM
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cblr-14250	34	10	,	,	PUNCT
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cblr-14250	35	4	;	;	PUNCT
cblr-14250	35	5	jeremy	jeremy	PROPN
cblr-14250	35	6	kress	kress	PROPN
cblr-14250	35	7	,	,	PUNCT
cblr-14250	35	8	the	the	DET
cblr-14250	35	9	war	war	NOUN
cblr-14250	35	10	on	on	ADP
cblr-14250	35	11	bank	bank	PROPN
cblr-14250	35	12	supervision	supervision	NOUN
cblr-14250	35	13	,	,	PUNCT
cblr-14250	35	14	yale	yale	PROPN
cblr-14250	35	15	j.	j.	PROPN
cblr-14250	35	16	on	on	ADP
cblr-14250	35	17	reg	reg	PROPN
cblr-14250	35	18	.	.	PUNCT
cblr-14250	36	1	notice	notice	PROPN
cblr-14250	36	2	&	&	CCONJ
cblr-14250	36	3	comment	comment	PROPN
cblr-14250	36	4	,	,	PUNCT
cblr-14250	36	5	dec	dec	PROPN
cblr-14250	36	6	.	.	PROPN
cblr-14250	36	7	18	18	NUM
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cblr-14250	36	9	,	,	PUNCT
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cblr-14250	36	11	[	[	X
cblr-14250	36	12	https://perma.cc/3pla-vkur	https://perma.cc/3pla-vkur	X
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cblr-14250	36	14	;	;	PUNCT
cblr-14250	36	15	daniel	daniel	PROPN
cblr-14250	36	16	k.	k.	PROPN
cblr-14250	36	17	tarullo	tarullo	PROPN
cblr-14250	36	18	,	,	PUNCT
cblr-14250	36	19	bank	bank	NOUN
cblr-14250	36	20	supervision	supervision	NOUN
cblr-14250	36	21	and	and	CCONJ
cblr-14250	36	22	administrative	administrative	ADJ
cblr-14250	36	23	law	law	NOUN
cblr-14250	36	24	,	,	PUNCT
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cblr-14250	39	8	at	at	ADP
cblr-14250	39	9	3	3	NUM
cblr-14250	39	10	.	.	NOUN
cblr-14250	39	11	5	5	NUM
cblr-14250	39	12	kress	kress	NOUN
cblr-14250	39	13	,	,	PUNCT
cblr-14250	39	14	supra	supra	PROPN
cblr-14250	39	15	note	note	NOUN
cblr-14250	39	16	3	3	NUM
cblr-14250	39	17	.	.	NOUN
cblr-14250	39	18	6	6	NUM
cblr-14250	39	19	the	the	DET
cblr-14250	39	20	study	study	NOUN
cblr-14250	39	21	of	of	ADP
cblr-14250	39	22	bank	bank	NOUN
cblr-14250	39	23	supervision	supervision	NOUN
cblr-14250	39	24	is	be	AUX
cblr-14250	39	25	growing	grow	VERB
cblr-14250	39	26	substantially	substantially	ADV
cblr-14250	39	27	.	.	PUNCT
cblr-14250	40	1	in	in	ADP
cblr-14250	40	2	dec	dec	PROPN
cblr-14250	40	3	.	.	PROPN
cblr-14250	40	4	2020	2020	NUM
cblr-14250	40	5	,	,	PUNCT
cblr-14250	40	6	the	the	DET
cblr-14250	40	7	federal	federal	PROPN
cblr-14250	40	8	reserve	reserve	PROPN
cblr-14250	40	9	,	,	PUNCT
cblr-14250	40	10	harvard	harvard	PROPN
cblr-14250	40	11	law	law	PROPN
cblr-14250	40	12	school	school	NOUN
cblr-14250	40	13	,	,	PUNCT
cblr-14250	40	14	and	and	CCONJ
cblr-14250	40	15	the	the	DET
cblr-14250	40	16	wharton	wharton	PROPN
cblr-14250	40	17	school	school	NOUN
cblr-14250	40	18	hosted	host	VERB
cblr-14250	40	19	a	a	DET
cblr-14250	40	20	rare	rare	ADJ
cblr-14250	40	21	joint	joint	ADJ
cblr-14250	40	22	conference	conference	NOUN
cblr-14250	40	23	on	on	ADP
cblr-14250	40	24	the	the	DET
cblr-14250	40	25	subject	subject	NOUN
cblr-14250	40	26	and	and	CCONJ
cblr-14250	40	27	produced	produce	VERB
cblr-14250	40	28	four	four	NUM
cblr-14250	40	29	literature	literature	NOUN
cblr-14250	40	30	reviews	review	NOUN
cblr-14250	40	31	of	of	ADP
cblr-14250	40	32	bank	bank	NOUN
cblr-14250	40	33	supervision	supervision	NOUN
cblr-14250	40	34	from	from	ADP
cblr-14250	40	35	the	the	DET
cblr-14250	40	36	perspectives	perspective	NOUN
cblr-14250	40	37	of	of	ADP
cblr-14250	40	38	law	law	NOUN
cblr-14250	40	39	,	,	PUNCT
cblr-14250	40	40	economics	economic	NOUN
cblr-14250	40	41	,	,	PUNCT
cblr-14250	40	42	history	history	NOUN
cblr-14250	40	43	,	,	PUNCT
cblr-14250	40	44	and	and	CCONJ
cblr-14250	40	45	international	international	ADJ
cblr-14250	40	46	practice	practice	NOUN
cblr-14250	40	47	,	,	PUNCT
cblr-14250	40	48	that	that	PRON
cblr-14250	40	49	summarize	summarize	VERB
cblr-14250	40	50	the	the	DET
cblr-14250	40	51	challenges	challenge	NOUN
cblr-14250	40	52	and	and	CCONJ
cblr-14250	40	53	opportunities	opportunity	NOUN
cblr-14250	40	54	that	that	PRON
cblr-14250	40	55	scholars	scholar	NOUN
cblr-14250	40	56	and	and	CCONJ
cblr-14250	40	57	policymakers	policymaker	NOUN
cblr-14250	40	58	confront	confront	VERB
cblr-14250	40	59	in	in	ADP
cblr-14250	40	60	defining	define	VERB
cblr-14250	40	61	the	the	DET
cblr-14250	40	62	field	field	NOUN
cblr-14250	40	63	.	.	PUNCT
cblr-14250	41	1	see	see	VERB
cblr-14250	41	2	julie	julie	PROPN
cblr-14250	41	3	andersen	andersen	PROPN
cblr-14250	41	4	hill	hill	PROPN
cblr-14250	41	5	,	,	PUNCT
cblr-14250	41	6	bank	bank	NOUN
cblr-14250	41	7	supervision	supervision	NOUN
cblr-14250	41	8	:	:	PUNCT
cblr-14250	41	9	a	a	DET
cblr-14250	41	10	legal	legal	ADJ
cblr-14250	41	11	scholarship	scholarship	NOUN
cblr-14250	41	12	review	review	NOUN
cblr-14250	41	13	(	(	PUNCT
cblr-14250	41	14	univ	univ	PROPN
cblr-14250	41	15	.	.	PROPN
cblr-14250	41	16	of	of	ADP
cblr-14250	41	17	ala	ala	PROPN
cblr-14250	41	18	.	.	PUNCT
cblr-14250	42	1	legal	legal	ADJ
cblr-14250	42	2	stud	stud	NOUN
cblr-14250	42	3	.	.	PUNCT
cblr-14250	43	1	rsch	rsch	NOUN
cblr-14250	43	2	.	.	PUNCT
cblr-14250	44	1	paper	paper	NOUN
cblr-14250	44	2	no	no	INTJ
cblr-14250	44	3	.	.	PROPN
cblr-14250	45	1	2627472	2627472	NUM
cblr-14250	45	2	,	,	PUNCT
cblr-14250	45	3	2021	2021	NUM
cblr-14250	45	4	)	)	PUNCT
cblr-14250	45	5	,	,	PUNCT
cblr-14250	45	6	no	no	INTJ
cblr-14250	45	7	.	.	NOUN
cblr-14250	45	8	1	1	NUM
cblr-14250	45	9	]	]	PUNCT
cblr-14250	45	10	risk	risk	NOUN
cblr-14250	45	11	,	,	PUNCT
cblr-14250	45	12	discretion	discretion	NOUN
cblr-14250	45	13	,	,	PUNCT
cblr-14250	45	14	and	and	CCONJ
cblr-14250	45	15	bank	bank	NOUN
cblr-14250	45	16	supervision	supervision	NOUN
cblr-14250	45	17	133	133	NUM
cblr-14250	45	18	power	power	NOUN
cblr-14250	45	19	that	that	PRON
cblr-14250	45	20	evolved	evolve	VERB
cblr-14250	45	21	fitfully	fitfully	ADV
cblr-14250	45	22	during	during	ADP
cblr-14250	45	23	the	the	DET
cblr-14250	45	24	nineteenth	nineteenth	ADJ
cblr-14250	45	25	century	century	NOUN
cblr-14250	45	26	before	before	ADP
cblr-14250	45	27	becoming	become	VERB
cblr-14250	45	28	more	more	ADV
cblr-14250	45	29	concrete	concrete	ADJ
cblr-14250	45	30	after	after	ADP
cblr-14250	45	31	the	the	DET
cblr-14250	45	32	banking	banking	NOUN
cblr-14250	45	33	panics	panic	NOUN
cblr-14250	45	34	of	of	ADP
cblr-14250	45	35	the	the	DET
cblr-14250	45	36	great	great	ADJ
cblr-14250	45	37	depression	depression	NOUN
cblr-14250	45	38	.	.	PUNCT
cblr-14250	46	1	we	we	PRON
cblr-14250	46	2	argue	argue	VERB
cblr-14250	46	3	that	that	SCONJ
cblr-14250	46	4	bank	bank	NOUN
cblr-14250	46	5	supervision	supervision	NOUN
cblr-14250	46	6	is	be	AUX
cblr-14250	46	7	the	the	DET
cblr-14250	46	8	set	set	NOUN
cblr-14250	46	9	of	of	ADP
cblr-14250	46	10	institutional	institutional	ADJ
cblr-14250	46	11	practices	practice	NOUN
cblr-14250	46	12	that	that	PRON
cblr-14250	46	13	bind	bind	VERB
cblr-14250	46	14	private	private	ADJ
cblr-14250	46	15	and	and	CCONJ
cblr-14250	46	16	public	public	ADJ
cblr-14250	46	17	actors	actor	NOUN
cblr-14250	46	18	in	in	ADP
cblr-14250	46	19	a	a	DET
cblr-14250	46	20	constant	constant	ADJ
cblr-14250	46	21	dialogue	dialogue	NOUN
cblr-14250	46	22	not	not	PART
cblr-14250	46	23	only	only	ADV
cblr-14250	46	24	about	about	ADP
cblr-14250	46	25	compliance	compliance	NOUN
cblr-14250	46	26	with	with	ADP
cblr-14250	46	27	law	law	NOUN
cblr-14250	46	28	but	but	CCONJ
cblr-14250	46	29	also	also	ADV
cblr-14250	46	30	about	about	ADP
cblr-14250	46	31	the	the	DET
cblr-14250	46	32	line	line	NOUN
cblr-14250	46	33	between	between	ADP
cblr-14250	46	34	public	public	ADJ
cblr-14250	46	35	and	and	CCONJ
cblr-14250	46	36	private	private	ADJ
cblr-14250	46	37	responsibility	responsibility	NOUN
cblr-14250	46	38	for	for	ADP
cblr-14250	46	39	the	the	DET
cblr-14250	46	40	residual	residual	ADJ
cblr-14250	46	41	risk	risk	NOUN
cblr-14250	46	42	of	of	ADP
cblr-14250	46	43	the	the	DET
cblr-14250	46	44	financial	financial	ADJ
cblr-14250	46	45	system	system	NOUN
cblr-14250	46	46	.	.	PUNCT
cblr-14250	47	1	importantly	importantly	ADV
cblr-14250	47	2	,	,	PUNCT
cblr-14250	47	3	the	the	DET
cblr-14250	47	4	negotiation	negotiation	NOUN
cblr-14250	47	5	of	of	ADP
cblr-14250	47	6	that	that	DET
cblr-14250	47	7	line	line	NOUN
cblr-14250	47	8	constantly	constantly	ADV
cblr-14250	47	9	abuts	abut	VERB
cblr-14250	47	10	the	the	DET
cblr-14250	47	11	methodological	methodological	ADJ
cblr-14250	47	12	question	question	NOUN
cblr-14250	47	13	of	of	ADP
cblr-14250	47	14	how	how	SCONJ
cblr-14250	47	15	such	such	ADJ
cblr-14250	47	16	negotiation	negotiation	NOUN
cblr-14250	47	17	should	should	AUX
cblr-14250	47	18	occur	occur	VERB
cblr-14250	47	19	:	:	PUNCT
cblr-14250	47	20	through	through	ADP
cblr-14250	47	21	a	a	DET
cblr-14250	47	22	highly	highly	ADV
cblr-14250	47	23	structured	structured	ADJ
cblr-14250	47	24	system	system	NOUN
cblr-14250	47	25	of	of	ADP
cblr-14250	47	26	ex	ex	PROPN
cblr-14250	47	27	ante	ante	NOUN
cblr-14250	47	28	rules	rule	NOUN
cblr-14250	47	29	with	with	ADP
cblr-14250	47	30	ex	ex	ADJ
cblr-14250	47	31	post	post	NOUN
cblr-14250	47	32	enforcement	enforcement	NOUN
cblr-14250	47	33	and	and	CCONJ
cblr-14250	47	34	independent	independent	ADJ
cblr-14250	47	35	review	review	NOUN
cblr-14250	47	36	or	or	CCONJ
cblr-14250	47	37	through	through	ADP
cblr-14250	47	38	a	a	DET
cblr-14250	47	39	more	more	ADV
cblr-14250	47	40	discretionary	discretionary	ADJ
cblr-14250	47	41	system	system	NOUN
cblr-14250	47	42	based	base	VERB
cblr-14250	47	43	on	on	ADP
cblr-14250	47	44	the	the	DET
cblr-14250	47	45	exercise	exercise	NOUN
cblr-14250	47	46	of	of	ADP
cblr-14250	47	47	public	public	ADJ
cblr-14250	47	48	power	power	NOUN
cblr-14250	47	49	over	over	ADP
cblr-14250	47	50	private	private	ADJ
cblr-14250	47	51	actors	actor	NOUN
cblr-14250	47	52	,	,	PUNCT
cblr-14250	47	53	a	a	DET
cblr-14250	47	54	system	system	NOUN
cblr-14250	47	55	that	that	PRON
cblr-14250	47	56	lurks	lurk	VERB
cblr-14250	47	57	outside	outside	ADP
cblr-14250	47	58	the	the	DET
cblr-14250	47	59	usual	usual	ADJ
cblr-14250	47	60	legal	legal	ADJ
cblr-14250	47	61	frameworks	framework	NOUN
cblr-14250	47	62	of	of	ADP
cblr-14250	47	63	public	public	ADJ
cblr-14250	47	64	law	law	NOUN
cblr-14250	47	65	.	.	PUNCT
cblr-14250	48	1	the	the	DET
cblr-14250	48	2	consequence	consequence	NOUN
cblr-14250	48	3	of	of	ADP
cblr-14250	48	4	this	this	DET
cblr-14250	48	5	framework	framework	NOUN
cblr-14250	48	6	for	for	ADP
cblr-14250	48	7	bank	bank	NOUN
cblr-14250	48	8	supervision	supervision	NOUN
cblr-14250	48	9	is	be	AUX
cblr-14250	48	10	that	that	SCONJ
cblr-14250	48	11	debates	debate	NOUN
cblr-14250	48	12	about	about	ADP
cblr-14250	48	13	the	the	DET
cblr-14250	48	14	private	private	ADJ
cblr-14250	48	15	versus	versus	ADP
cblr-14250	48	16	public	public	ADJ
cblr-14250	48	17	responsibility	responsibility	NOUN
cblr-14250	48	18	for	for	ADP
cblr-14250	48	19	finance	finance	NOUN
cblr-14250	48	20	and	and	CCONJ
cblr-14250	48	21	whether	whether	SCONJ
cblr-14250	48	22	government	government	NOUN
cblr-14250	48	23	power	power	NOUN
cblr-14250	48	24	should	should	AUX
cblr-14250	48	25	be	be	AUX
cblr-14250	48	26	formal	formal	ADJ
cblr-14250	48	27	and	and	CCONJ
cblr-14250	48	28	rules	rule	NOUN
cblr-14250	48	29	-	-	PUNCT
cblr-14250	48	30	based	base	VERB
cblr-14250	48	31	or	or	CCONJ
cblr-14250	48	32	informal	informal	ADJ
cblr-14250	48	33	and	and	CCONJ
cblr-14250	48	34	discretion	discretion	NOUN
cblr-14250	48	35	-	-	PUNCT
cblr-14250	48	36	based	base	VERB
cblr-14250	48	37	are	be	AUX
cblr-14250	48	38	,	,	PUNCT
cblr-14250	48	39	in	in	ADP
cblr-14250	48	40	fact	fact	NOUN
cblr-14250	48	41	,	,	PUNCT
cblr-14250	48	42	the	the	DET
cblr-14250	48	43	same	same	ADJ
cblr-14250	48	44	debate	debate	NOUN
cblr-14250	48	45	.	.	PUNCT
cblr-14250	49	1	bringing	bring	VERB
cblr-14250	49	2	these	these	DET
cblr-14250	49	3	two	two	NUM
cblr-14250	49	4	conversations	conversation	NOUN
cblr-14250	49	5	together	together	ADV
cblr-14250	49	6	yields	yield	VERB
cblr-14250	49	7	two	two	NUM
cblr-14250	49	8	important	important	ADJ
cblr-14250	49	9	insights	insight	NOUN
cblr-14250	49	10	.	.	PUNCT
cblr-14250	50	1	first	first	ADV
cblr-14250	50	2	,	,	PUNCT
cblr-14250	50	3	the	the	DET
cblr-14250	50	4	financial	financial	ADJ
cblr-14250	50	5	system	system	NOUN
cblr-14250	50	6	is	be	AUX
cblr-14250	50	7	not	not	PART
cblr-14250	50	8	a	a	DET
cblr-14250	50	9	public	public	ADJ
cblr-14250	50	10	utility	utility	NOUN
cblr-14250	50	11	managed	manage	VERB
cblr-14250	50	12	by	by	ADP
cblr-14250	50	13	private	private	ADJ
cblr-14250	50	14	interests	interest	NOUN
cblr-14250	50	15	,	,	PUNCT
cblr-14250	50	16	but	but	CCONJ
cblr-14250	50	17	by	by	ADP
cblr-14250	50	18	privately	privately	ADV
cblr-14250	50	19	owned	own	VERB
cblr-14250	50	20	and	and	CCONJ
cblr-14250	50	21	managed	manage	VERB
cblr-14250	50	22	by	by	ADP
cblr-14250	50	23	both	both	CCONJ
cblr-14250	50	24	public	public	ADJ
cblr-14250	50	25	and	and	CCONJ
cblr-14250	50	26	private	private	ADJ
cblr-14250	50	27	interests	interest	NOUN
cblr-14250	50	28	.	.	PUNCT
cblr-14250	50	29	nor	nor	CCONJ
cblr-14250	50	30	is	be	AUX
cblr-14250	50	31	the	the	DET
cblr-14250	50	32	line	line	NOUN
cblr-14250	50	33	between	between	ADP
cblr-14250	50	34	co	co	NOUN
cblr-14250	50	35	-	-	NOUN
cblr-14250	50	36	management	management	NOUN
cblr-14250	50	37	starkly	starkly	ADV
cblr-14250	50	38	drawn	draw	VERB
cblr-14250	50	39	,	,	PUNCT
cblr-14250	50	40	tilting	tilt	VERB
cblr-14250	50	41	fitfully	fitfully	ADV
cblr-14250	50	42	toward	toward	ADP
cblr-14250	50	43	one	one	NUM
cblr-14250	50	44	or	or	CCONJ
cblr-14250	50	45	another	another	DET
cblr-14250	50	46	extreme	extreme	NOUN
cblr-14250	50	47	at	at	ADP
cblr-14250	50	48	different	different	ADJ
cblr-14250	50	49	points	point	NOUN
cblr-14250	50	50	in	in	ADP
cblr-14250	50	51	history	history	NOUN
cblr-14250	50	52	but	but	CCONJ
cblr-14250	50	53	never	never	ADV
cblr-14250	50	54	a	a	DET
cblr-14250	50	55	fully	fully	ADV
cblr-14250	50	56	private	private	ADJ
cblr-14250	50	57	nor	nor	CCONJ
cblr-14250	50	58	a	a	DET
cblr-14250	50	59	fully	fully	ADV
cblr-14250	50	60	public	public	ADJ
cblr-14250	50	61	system	system	NOUN
cblr-14250	50	62	.	.	PUNCT
cblr-14250	51	1	second	second	ADV
cblr-14250	51	2	,	,	PUNCT
cblr-14250	51	3	bank	bank	NOUN
cblr-14250	51	4	supervision	supervision	NOUN
cblr-14250	51	5	is	be	AUX
cblr-14250	51	6	always	always	ADV
cblr-14250	51	7	about	about	ADP
cblr-14250	51	8	the	the	DET
cblr-14250	51	9	exercise	exercise	NOUN
cblr-14250	51	10	of	of	ADP
cblr-14250	51	11	powerful	powerful	ADJ
cblr-14250	51	12	discretion	discretion	NOUN
cblr-14250	51	13	within	within	ADP
cblr-14250	51	14	a	a	DET
cblr-14250	51	15	broad	broad	ADJ
cblr-14250	51	16	system	system	NOUN
cblr-14250	51	17	of	of	ADP
cblr-14250	51	18	vague	vague	ADJ
cblr-14250	51	19	rules	rule	NOUN
cblr-14250	51	20	.	.	PUNCT
cblr-14250	52	1	the	the	DET
cblr-14250	52	2	https://ssrn.com/abstract=3777580	https://ssrn.com/abstract=3777580	PROPN
cblr-14250	53	1	[	[	X
cblr-14250	53	2	https://perma.cc/gg47-zefu	https://perma.cc/gg47-zefu	X
cblr-14250	53	3	]	]	X
cblr-14250	53	4	;	;	PUNCT
cblr-14250	53	5	beverly	beverly	PROPN
cblr-14250	53	6	hirtle	hirtle	PROPN
cblr-14250	53	7	&	&	CCONJ
cblr-14250	53	8	anna	anna	PROPN
cblr-14250	53	9	kovner	kovner	PROPN
cblr-14250	53	10	,	,	PUNCT
cblr-14250	53	11	banking	banking	NOUN
cblr-14250	53	12	supervision	supervision	NOUN
cblr-14250	53	13	(	(	PUNCT
cblr-14250	53	14	fed	fed	PROPN
cblr-14250	53	15	.	.	PUNCT
cblr-14250	53	16	rsrv	rsrv	PROPN
cblr-14250	53	17	.	.	PUNCT
cblr-14250	54	1	bank	bank	PROPN
cblr-14250	54	2	of	of	ADP
cblr-14250	54	3	n.y	n.y	PROPN
cblr-14250	54	4	.	.	PROPN
cblr-14250	54	5	staff	staff	PROPN
cblr-14250	54	6	report	report	VERB
cblr-14250	54	7	no	no	INTJ
cblr-14250	54	8	.	.	NOUN
cblr-14250	54	9	952	952	NUM
cblr-14250	54	10	,	,	PUNCT
cblr-14250	54	11	rev	rev	PROPN
cblr-14250	54	12	.	.	PUNCT
cblr-14250	54	13	dec	dec	PROPN
cblr-14250	54	14	.	.	PROPN
cblr-14250	54	15	2021	2021	NUM
cblr-14250	54	16	)	)	PUNCT
cblr-14250	54	17	,	,	PUNCT
cblr-14250	54	18	https://www.newyorkfed.org/research/staff_reports/sr952	https://www.newyorkfed.org/research/staff_reports/sr952	PUNCT
cblr-14250	55	1	[	[	X
cblr-14250	55	2	https://perma.cc/7lb5-ps5h	https://perma.cc/7lb5-ps5h	X
cblr-14250	55	3	]	]	X
cblr-14250	55	4	;	;	PUNCT
cblr-14250	55	5	sean	sean	PROPN
cblr-14250	55	6	vanatta	vanatta	PROPN
cblr-14250	55	7	,	,	PUNCT
cblr-14250	55	8	histories	history	NOUN
cblr-14250	55	9	of	of	ADP
cblr-14250	55	10	bank	bank	NOUN
cblr-14250	55	11	supervision	supervision	NOUN
cblr-14250	55	12	(	(	PUNCT
cblr-14250	55	13	2021	2021	NUM
cblr-14250	55	14	)	)	PUNCT
cblr-14250	55	15	,	,	PUNCT
cblr-14250	55	16	https://ssrn.com/abstract=3749116	https://ssrn.com/abstract=3749116	PROPN
cblr-14250	56	1	[	[	X
cblr-14250	56	2	https://perma.cc/qce2-f9ec	https://perma.cc/qce2-f9ec	NOUN
cblr-14250	56	3	]	]	X
cblr-14250	56	4	,	,	PUNCT
cblr-14250	56	5	jonathan	jonathan	PROPN
cblr-14250	56	6	fiechter	fiechter	PROPN
cblr-14250	56	7	&	&	CCONJ
cblr-14250	56	8	aditya	aditya	PROPN
cblr-14250	56	9	narain	narain	PROPN
cblr-14250	56	10	,	,	PUNCT
cblr-14250	56	11	enhancing	enhance	VERB
cblr-14250	56	12	supervisory	supervisory	ADJ
cblr-14250	56	13	effectiveness	effectiveness	NOUN
cblr-14250	56	14	findings	finding	NOUN
cblr-14250	56	15	from	from	ADP
cblr-14250	56	16	imf	imf	PROPN
cblr-14250	56	17	assessments	assessment	NOUN
cblr-14250	56	18	(	(	PUNCT
cblr-14250	56	19	bank	bank	NOUN
cblr-14250	56	20	supervision	supervision	NOUN
cblr-14250	56	21	conf	conf	NOUN
cblr-14250	56	22	.	.	PUNCT
cblr-14250	56	23	,	,	PUNCT
cblr-14250	56	24	2020	2020	NUM
cblr-14250	56	25	)	)	PUNCT
cblr-14250	56	26	,	,	PUNCT
cblr-14250	56	27	https://custom.cvent.com/20310c03166c4c11b1aa63b0d6300264/files/eve	https://custom.cvent.com/20310c03166c4c11b1aa63b0d6300264/files/eve	VERB
cblr-14250	56	28	nt/67aec69c628d459d8366466979e3f8	nt/67aec69c628d459d8366466979e3f8	PROPN
cblr-14250	56	29	af/5bc86be980124876a00cbc409377a771.pdf	af/5bc86be980124876a00cbc409377a771.pdf	NUM
cblr-14250	56	30	.	.	PUNCT
cblr-14250	57	1	134	134	NUM
cblr-14250	57	2	columbia	columbia	PROPN
cblr-14250	57	3	business	business	NOUN
cblr-14250	57	4	law	law	PROPN
cblr-14250	57	5	review	review	NOUN
cblr-14250	58	1	[	[	X
cblr-14250	58	2	vol	vol	NOUN
cblr-14250	58	3	.	.	PUNCT
cblr-14250	58	4	2025	2025	NUM
cblr-14250	58	5	balance	balance	NOUN
cblr-14250	58	6	between	between	ADP
cblr-14250	58	7	these	these	DET
cblr-14250	58	8	poles	pole	NOUN
cblr-14250	58	9	is	be	AUX
cblr-14250	58	10	,	,	PUNCT
cblr-14250	58	11	once	once	ADV
cblr-14250	58	12	again	again	ADV
cblr-14250	58	13	,	,	PUNCT
cblr-14250	58	14	historically	historically	ADV
cblr-14250	58	15	constituted	constitute	VERB
cblr-14250	58	16	,	,	PUNCT
cblr-14250	58	17	contingent	contingent	NOUN
cblr-14250	58	18	,	,	PUNCT
cblr-14250	58	19	and	and	CCONJ
cblr-14250	58	20	evolutionary	evolutionary	ADJ
cblr-14250	58	21	.	.	PUNCT
cblr-14250	59	1	there	there	PRON
cblr-14250	59	2	are	be	VERB
cblr-14250	59	3	important	important	ADJ
cblr-14250	59	4	implications	implication	NOUN
cblr-14250	59	5	to	to	ADP
cblr-14250	59	6	these	these	DET
cblr-14250	59	7	debates	debate	NOUN
cblr-14250	59	8	about	about	ADP
cblr-14250	59	9	the	the	DET
cblr-14250	59	10	nature	nature	NOUN
cblr-14250	59	11	of	of	ADP
cblr-14250	59	12	the	the	DET
cblr-14250	59	13	american	american	ADJ
cblr-14250	59	14	state	state	NOUN
cblr-14250	59	15	and	and	CCONJ
cblr-14250	59	16	economy	economy	NOUN
cblr-14250	59	17	.	.	PUNCT
cblr-14250	60	1	to	to	PART
cblr-14250	60	2	shear	shear	VERB
cblr-14250	60	3	the	the	DET
cblr-14250	60	4	controversies	controversy	NOUN
cblr-14250	60	5	of	of	ADP
cblr-14250	60	6	nuance	nuance	NOUN
cblr-14250	60	7	,	,	PUNCT
cblr-14250	60	8	those	those	PRON
cblr-14250	60	9	on	on	ADP
cblr-14250	60	10	the	the	DET
cblr-14250	60	11	political	political	ADJ
cblr-14250	60	12	left	left	NOUN
cblr-14250	60	13	tend	tend	VERB
cblr-14250	60	14	to	to	PART
cblr-14250	60	15	favor	favor	VERB
cblr-14250	60	16	a	a	DET
cblr-14250	60	17	financial	financial	ADJ
cblr-14250	60	18	system	system	NOUN
cblr-14250	60	19	where	where	SCONJ
cblr-14250	60	20	money	money	NOUN
cblr-14250	60	21	is	be	AUX
cblr-14250	60	22	sovereign	sovereign	ADJ
cblr-14250	60	23	,	,	PUNCT
cblr-14250	60	24	finance	finance	NOUN
cblr-14250	60	25	is	be	AUX
cblr-14250	60	26	public	public	ADJ
cblr-14250	60	27	,	,	PUNCT
cblr-14250	60	28	and	and	CCONJ
cblr-14250	60	29	supervisory	supervisory	ADJ
cblr-14250	60	30	discretion	discretion	NOUN
cblr-14250	60	31	mostly	mostly	ADV
cblr-14250	60	32	untrammeled	untrammele	VERB
cblr-14250	60	33	,	,	PUNCT
cblr-14250	60	34	whereas	whereas	SCONJ
cblr-14250	60	35	those	those	PRON
cblr-14250	60	36	on	on	ADP
cblr-14250	60	37	the	the	DET
cblr-14250	60	38	political	political	ADJ
cblr-14250	60	39	right	right	NOUN
cblr-14250	60	40	tend	tend	VERB
cblr-14250	60	41	to	to	PART
cblr-14250	60	42	favor	favor	VERB
cblr-14250	60	43	a	a	DET
cblr-14250	60	44	private	private	ADJ
cblr-14250	60	45	system	system	NOUN
cblr-14250	60	46	where	where	SCONJ
cblr-14250	60	47	money	money	NOUN
cblr-14250	60	48	is	be	AUX
cblr-14250	60	49	intermediated	intermediate	VERB
cblr-14250	60	50	,	,	PUNCT
cblr-14250	60	51	finance	finance	NOUN
cblr-14250	60	52	is	be	AUX
cblr-14250	60	53	private	private	ADJ
cblr-14250	60	54	,	,	PUNCT
cblr-14250	60	55	and	and	CCONJ
cblr-14250	60	56	regulation	regulation	NOUN
cblr-14250	60	57	is	be	AUX
cblr-14250	60	58	rules	rule	NOUN
cblr-14250	60	59	-	-	PUNCT
cblr-14250	60	60	based	base	VERB
cblr-14250	60	61	with	with	ADP
cblr-14250	60	62	minimal	minimal	ADJ
cblr-14250	60	63	discretionary	discretionary	ADJ
cblr-14250	60	64	liberties	liberty	NOUN
cblr-14250	60	65	.	.	PUNCT
cblr-14250	61	1	our	our	PRON
cblr-14250	61	2	theoretical	theoretical	ADJ
cblr-14250	61	3	framework	framework	NOUN
cblr-14250	61	4	reveals	reveal	VERB
cblr-14250	61	5	that	that	SCONJ
cblr-14250	61	6	these	these	DET
cblr-14250	61	7	ideological	ideological	ADJ
cblr-14250	61	8	contests	contest	NOUN
cblr-14250	61	9	are	be	AUX
cblr-14250	61	10	overwrought	overwrought	ADJ
cblr-14250	61	11	and	and	CCONJ
cblr-14250	61	12	underspecified	underspecified	ADJ
cblr-14250	61	13	.	.	PUNCT
cblr-14250	62	1	this	this	DET
cblr-14250	62	2	article	article	NOUN
cblr-14250	62	3	’s	’s	PART
cblr-14250	62	4	theory	theory	NOUN
cblr-14250	62	5	of	of	ADP
cblr-14250	62	6	banking	banking	NOUN
cblr-14250	62	7	insists	insist	VERB
cblr-14250	62	8	that	that	SCONJ
cblr-14250	62	9	each	each	PRON
cblr-14250	62	10	of	of	ADP
cblr-14250	62	11	these	these	DET
cblr-14250	62	12	ideas	idea	NOUN
cblr-14250	62	13	is	be	AUX
cblr-14250	62	14	fluid	fluid	ADJ
cblr-14250	62	15	,	,	PUNCT
cblr-14250	62	16	vulnerable	vulnerable	ADJ
cblr-14250	62	17	,	,	PUNCT
cblr-14250	62	18	and	and	CCONJ
cblr-14250	62	19	subject	subject	ADJ
cblr-14250	62	20	to	to	ADP
cblr-14250	62	21	constant	constant	ADJ
cblr-14250	62	22	redefinition	redefinition	NOUN
cblr-14250	62	23	.	.	PUNCT
cblr-14250	63	1	bank	bank	NOUN
cblr-14250	63	2	supervision	supervision	PROPN
cblr-14250	63	3	,	,	PUNCT
cblr-14250	63	4	in	in	ADP
cblr-14250	63	5	turn	turn	NOUN
cblr-14250	63	6	,	,	PUNCT
cblr-14250	63	7	is	be	AUX
cblr-14250	63	8	the	the	DET
cblr-14250	63	9	institutional	institutional	ADJ
cblr-14250	63	10	setup	setup	NOUN
cblr-14250	63	11	for	for	ADP
cblr-14250	63	12	the	the	DET
cblr-14250	63	13	ongoing	ongoing	ADJ
cblr-14250	63	14	negotiation	negotiation	NOUN
cblr-14250	63	15	of	of	ADP
cblr-14250	63	16	these	these	DET
cblr-14250	63	17	contested	contest	VERB
cblr-14250	63	18	ideologies	ideology	NOUN
cblr-14250	63	19	and	and	CCONJ
cblr-14250	63	20	the	the	DET
cblr-14250	63	21	implementation	implementation	NOUN
cblr-14250	63	22	of	of	ADP
cblr-14250	63	23	their	their	PRON
cblr-14250	63	24	temporary	temporary	ADJ
cblr-14250	63	25	settlements	settlement	NOUN
cblr-14250	63	26	.	.	PUNCT
cblr-14250	64	1	it	it	PRON
cblr-14250	64	2	is	be	AUX
cblr-14250	64	3	not	not	PART
cblr-14250	64	4	a	a	DET
cblr-14250	64	5	fixed	fix	VERB
cblr-14250	64	6	resolution	resolution	NOUN
cblr-14250	64	7	to	to	ADP
cblr-14250	64	8	the	the	DET
cblr-14250	64	9	problems	problem	NOUN
cblr-14250	64	10	of	of	ADP
cblr-14250	64	11	managing	manage	VERB
cblr-14250	64	12	financial	financial	ADJ
cblr-14250	64	13	risk	risk	NOUN
cblr-14250	64	14	across	across	ADP
cblr-14250	64	15	institutions	institution	NOUN
cblr-14250	64	16	and	and	CCONJ
cblr-14250	64	17	across	across	ADP
cblr-14250	64	18	the	the	DET
cblr-14250	64	19	system	system	NOUN
cblr-14250	64	20	,	,	PUNCT
cblr-14250	64	21	but	but	CCONJ
cblr-14250	64	22	a	a	DET
cblr-14250	64	23	monitoring	monitoring	NOUN
cblr-14250	64	24	mechanism	mechanism	NOUN
cblr-14250	64	25	that	that	PRON
cblr-14250	64	26	evolves	evolve	VERB
cblr-14250	64	27	as	as	SCONJ
cblr-14250	64	28	exigencies	exigency	NOUN
cblr-14250	64	29	shift	shift	VERB
cblr-14250	64	30	with	with	ADP
cblr-14250	64	31	time	time	NOUN
cblr-14250	64	32	.	.	PUNCT
cblr-14250	65	1	there	there	PRON
cblr-14250	65	2	can	can	AUX
cblr-14250	65	3	be	be	AUX
cblr-14250	65	4	no	no	DET
cblr-14250	65	5	permanent	permanent	ADJ
cblr-14250	65	6	“	"	PUNCT
cblr-14250	65	7	settlement	settlement	NOUN
cblr-14250	65	8	”	"	PUNCT
cblr-14250	65	9	of	of	ADP
cblr-14250	65	10	these	these	PRON
cblr-14250	65	11	issues.7	issues.7	VERB
cblr-14250	65	12	each	each	DET
cblr-14250	65	13	generation	generation	NOUN
cblr-14250	65	14	settles	settle	VERB
cblr-14250	65	15	the	the	DET
cblr-14250	65	16	questions	question	NOUN
cblr-14250	65	17	again	again	ADV
cblr-14250	65	18	and	and	CCONJ
cblr-14250	65	19	again	again	ADV
cblr-14250	65	20	,	,	PUNCT
cblr-14250	65	21	building	build	VERB
cblr-14250	65	22	institutional	institutional	ADJ
cblr-14250	65	23	layer	layer	NOUN
cblr-14250	65	24	upon	upon	SCONJ
cblr-14250	65	25	institutional	institutional	ADJ
cblr-14250	65	26	layer.8	layer.8	PROPN
cblr-14250	65	27	the	the	DET
cblr-14250	65	28	framework	framework	NOUN
cblr-14250	65	29	presented	present	VERB
cblr-14250	65	30	in	in	ADP
cblr-14250	65	31	this	this	DET
cblr-14250	65	32	article	article	NOUN
cblr-14250	65	33	differs	differ	VERB
cblr-14250	65	34	importantly	importantly	ADV
cblr-14250	65	35	from	from	ADP
cblr-14250	65	36	three	three	NUM
cblr-14250	65	37	other	other	ADJ
cblr-14250	65	38	streams	stream	NOUN
cblr-14250	65	39	of	of	ADP
cblr-14250	65	40	thought	thought	NOUN
cblr-14250	65	41	on	on	ADP
cblr-14250	65	42	banking	banking	NOUN
cblr-14250	65	43	and	and	CCONJ
cblr-14250	65	44	bank	bank	NOUN
cblr-14250	65	45	supervision	supervision	NOUN
cblr-14250	65	46	.	.	PUNCT
cblr-14250	66	1	the	the	DET
cblr-14250	66	2	first	first	ADJ
cblr-14250	66	3	is	be	AUX
cblr-14250	66	4	easiest	easy	ADJ
cblr-14250	66	5	to	to	PART
cblr-14250	66	6	dismiss	dismiss	VERB
cblr-14250	66	7	:	:	PUNCT
cblr-14250	66	8	the	the	DET
cblr-14250	66	9	term	term	NOUN
cblr-14250	66	10	“	"	PUNCT
cblr-14250	66	11	bank	bank	NOUN
cblr-14250	66	12	supervision	supervision	NOUN
cblr-14250	66	13	”	"	PUNCT
cblr-14250	66	14	is	be	AUX
cblr-14250	66	15	often	often	ADV
cblr-14250	66	16	erroneously	erroneously	ADV
cblr-14250	66	17	conflated	conflate	VERB
cblr-14250	66	18	as	as	ADP
cblr-14250	66	19	a	a	DET
cblr-14250	66	20	synonym	synonym	NOUN
cblr-14250	66	21	with	with	ADP
cblr-14250	66	22	the	the	DET
cblr-14250	66	23	much	much	ADV
cblr-14250	66	24	more	more	ADV
cblr-14250	66	25	tractable	tractable	ADJ
cblr-14250	66	26	term	term	NOUN
cblr-14250	66	27	,	,	PUNCT
cblr-14250	66	28	“	"	PUNCT
cblr-14250	66	29	regulation	regulation	NOUN
cblr-14250	66	30	.	.	PUNCT
cblr-14250	66	31	”	"	PUNCT
cblr-14250	67	1	this	this	PRON
cblr-14250	67	2	is	be	AUX
cblr-14250	67	3	a	a	DET
cblr-14250	67	4	ubiquitous	ubiquitous	ADJ
cblr-14250	67	5	error	error	NOUN
cblr-14250	67	6	,	,	PUNCT
cblr-14250	67	7	albeit	albeit	SCONJ
cblr-14250	67	8	one	one	NOUN
cblr-14250	67	9	that	that	PRON
cblr-14250	67	10	recedes	recede	VERB
cblr-14250	67	11	as	as	SCONJ
cblr-14250	67	12	scholars	scholar	NOUN
cblr-14250	67	13	focus	focus	VERB
cblr-14250	67	14	increasingly	increasingly	ADV
cblr-14250	67	15	on	on	ADP
cblr-14250	67	16	supervision	supervision	NOUN
cblr-14250	67	17	as	as	ADP
cblr-14250	67	18	a	a	DET
cblr-14250	67	19	unique	unique	ADJ
cblr-14250	67	20	phenomenon	phenomenon	NOUN
cblr-14250	67	21	.	.	PUNCT
cblr-14250	68	1	7	7	NUM
cblr-14250	68	2	see	see	VERB
cblr-14250	68	3	lev	lev	PROPN
cblr-14250	68	4	menand	menand	PROPN
cblr-14250	68	5	,	,	PUNCT
cblr-14250	68	6	why	why	SCONJ
cblr-14250	68	7	supervise	supervise	VERB
cblr-14250	68	8	banks	bank	NOUN
cblr-14250	68	9	?	?	PUNCT
cblr-14250	69	1	the	the	DET
cblr-14250	69	2	foundations	foundation	NOUN
cblr-14250	69	3	of	of	ADP
cblr-14250	69	4	the	the	DET
cblr-14250	69	5	american	american	PROPN
cblr-14250	69	6	monetary	monetary	PROPN
cblr-14250	69	7	settlement	settlement	NOUN
cblr-14250	69	8	,	,	PUNCT
cblr-14250	69	9	74	74	NUM
cblr-14250	69	10	vand	vand	NOUN
cblr-14250	69	11	.	.	PUNCT
cblr-14250	70	1	l.	l.	PROPN
cblr-14250	70	2	rev	rev	VERB
cblr-14250	70	3	951	951	NUM
cblr-14250	70	4	(	(	PUNCT
cblr-14250	70	5	2021	2021	NUM
cblr-14250	70	6	)	)	PUNCT
cblr-14250	70	7	;	;	PUNCT
cblr-14250	70	8	lev	lev	NOUN
cblr-14250	70	9	menand	menand	PROPN
cblr-14250	70	10	,	,	PUNCT
cblr-14250	70	11	the	the	DET
cblr-14250	70	12	logic	logic	NOUN
cblr-14250	70	13	and	and	CCONJ
cblr-14250	70	14	limits	limit	NOUN
cblr-14250	70	15	of	of	ADP
cblr-14250	70	16	the	the	DET
cblr-14250	70	17	federal	federal	PROPN
cblr-14250	70	18	reserve	reserve	PROPN
cblr-14250	70	19	act	act	PROPN
cblr-14250	70	20	,	,	PUNCT
cblr-14250	70	21	40	40	NUM
cblr-14250	70	22	yale	yale	PROPN
cblr-14250	70	23	j.	j.	PROPN
cblr-14250	70	24	on	on	ADP
cblr-14250	70	25	reg	reg	PROPN
cblr-14250	70	26	.	.	PROPN
cblr-14250	70	27	197	197	NUM
cblr-14250	70	28	(	(	PUNCT
cblr-14250	70	29	2022	2022	NUM
cblr-14250	70	30	)	)	PUNCT
cblr-14250	70	31	.	.	PUNCT
cblr-14250	71	1	8	8	NUM
cblr-14250	71	2	see	see	VERB
cblr-14250	71	3	kathleen	kathleen	PROPN
cblr-14250	71	4	thelen	thelen	PROPN
cblr-14250	71	5	,	,	PUNCT
cblr-14250	71	6	historical	historical	ADJ
cblr-14250	71	7	institutionalism	institutionalism	NOUN
cblr-14250	71	8	in	in	ADP
cblr-14250	71	9	comparative	comparative	ADJ
cblr-14250	71	10	politics	politic	NOUN
cblr-14250	71	11	,	,	PUNCT
cblr-14250	71	12	2	2	NUM
cblr-14250	71	13	annu	annu	NOUN
cblr-14250	71	14	.	.	PUNCT
cblr-14250	72	1	rev	rev	PROPN
cblr-14250	72	2	.	.	PROPN
cblr-14250	72	3	political	political	PROPN
cblr-14250	72	4	sci	sci	PROPN
cblr-14250	72	5	.	.	PROPN
cblr-14250	72	6	369	369	NUM
cblr-14250	72	7	(	(	PUNCT
cblr-14250	72	8	1999	1999	NUM
cblr-14250	72	9	)	)	PUNCT
cblr-14250	72	10	;	;	PUNCT
cblr-14250	72	11	see	see	VERB
cblr-14250	72	12	generally	generally	ADV
cblr-14250	72	13	kathleen	kathleen	PROPN
cblr-14250	72	14	thelen	thelen	ADJ
cblr-14250	72	15	,	,	PUNCT
cblr-14250	72	16	how	how	SCONJ
cblr-14250	72	17	institutions	institution	NOUN
cblr-14250	72	18	evolve	evolve	VERB
cblr-14250	72	19	:	:	PUNCT
cblr-14250	72	20	the	the	DET
cblr-14250	72	21	political	political	ADJ
cblr-14250	72	22	economy	economy	NOUN
cblr-14250	72	23	of	of	ADP
cblr-14250	72	24	skills	skill	NOUN
cblr-14250	72	25	in	in	ADP
cblr-14250	72	26	germany	germany	PROPN
cblr-14250	72	27	,	,	PUNCT
cblr-14250	72	28	britain	britain	PROPN
cblr-14250	72	29	,	,	PUNCT
cblr-14250	72	30	the	the	DET
cblr-14250	72	31	united	united	PROPN
cblr-14250	72	32	states	states	PROPN
cblr-14250	72	33	,	,	PUNCT
cblr-14250	72	34	and	and	CCONJ
cblr-14250	72	35	japan	japan	PROPN
cblr-14250	72	36	(	(	PUNCT
cblr-14250	72	37	2004	2004	NUM
cblr-14250	72	38	)	)	PUNCT
cblr-14250	72	39	.	.	PUNCT
cblr-14250	73	1	no	no	INTJ
cblr-14250	73	2	.	.	NOUN
cblr-14250	73	3	1	1	NUM
cblr-14250	73	4	]	]	PUNCT
cblr-14250	73	5	risk	risk	NOUN
cblr-14250	73	6	,	,	PUNCT
cblr-14250	73	7	discretion	discretion	NOUN
cblr-14250	73	8	,	,	PUNCT
cblr-14250	73	9	and	and	CCONJ
cblr-14250	73	10	bank	bank	NOUN
cblr-14250	73	11	supervision	supervision	NOUN
cblr-14250	73	12	135	135	NUM
cblr-14250	73	13	supervision	supervision	NOUN
cblr-14250	73	14	is	be	AUX
cblr-14250	73	15	as	as	ADV
cblr-14250	73	16	different	different	ADJ
cblr-14250	73	17	from	from	ADP
cblr-14250	73	18	regulation	regulation	NOUN
cblr-14250	73	19	as	as	SCONJ
cblr-14250	73	20	regulation	regulation	NOUN
cblr-14250	73	21	is	be	AUX
cblr-14250	73	22	from	from	ADP
cblr-14250	73	23	legislation	legislation	NOUN
cblr-14250	73	24	—	—	PUNCT
cblr-14250	73	25	they	they	PRON
cblr-14250	73	26	touch	touch	VERB
cblr-14250	73	27	common	common	ADJ
cblr-14250	73	28	ideas	idea	NOUN
cblr-14250	73	29	but	but	CCONJ
cblr-14250	73	30	are	be	AUX
cblr-14250	73	31	different	different	ADJ
cblr-14250	73	32	methodologies	methodology	NOUN
cblr-14250	73	33	,	,	PUNCT
cblr-14250	73	34	epistemologies	epistemology	NOUN
cblr-14250	73	35	,	,	PUNCT
cblr-14250	73	36	and	and	CCONJ
cblr-14250	73	37	institutions	institution	NOUN
cblr-14250	73	38	.	.	PUNCT
cblr-14250	74	1	a	a	DET
cblr-14250	74	2	second	second	ADJ
cblr-14250	74	3	erroneous	erroneous	ADJ
cblr-14250	74	4	conception	conception	NOUN
cblr-14250	74	5	of	of	ADP
cblr-14250	74	6	supervision	supervision	NOUN
cblr-14250	74	7	is	be	AUX
cblr-14250	74	8	the	the	DET
cblr-14250	74	9	one	one	NOUN
cblr-14250	74	10	embraced	embrace	VERB
cblr-14250	74	11	by	by	ADP
cblr-14250	74	12	the	the	DET
cblr-14250	74	13	u.s	u.s	PROPN
cblr-14250	74	14	.	.	PROPN
cblr-14250	74	15	federal	federal	PROPN
cblr-14250	74	16	reserve	reserve	PROPN
cblr-14250	74	17	,	,	PUNCT
cblr-14250	74	18	which	which	PRON
cblr-14250	74	19	characterizes	characterize	VERB
cblr-14250	74	20	“	"	PUNCT
cblr-14250	74	21	regulation	regulation	NOUN
cblr-14250	74	22	”	"	PUNCT
cblr-14250	74	23	as	as	ADP
cblr-14250	74	24	the	the	DET
cblr-14250	74	25	rules	rule	NOUN
cblr-14250	74	26	,	,	PUNCT
cblr-14250	74	27	and	and	CCONJ
cblr-14250	74	28	“	"	PUNCT
cblr-14250	74	29	supervision	supervision	NOUN
cblr-14250	74	30	”	"	PUNCT
cblr-14250	74	31	as	as	ADP
cblr-14250	74	32	the	the	DET
cblr-14250	74	33	process	process	NOUN
cblr-14250	74	34	of	of	ADP
cblr-14250	74	35	“	"	PUNCT
cblr-14250	74	36	ensur[ing	ensur[e	VERB
cblr-14250	74	37	]	]	PUNCT
cblr-14250	74	38	that	that	SCONJ
cblr-14250	74	39	an	an	DET
cblr-14250	74	40	institution	institution	NOUN
cblr-14250	74	41	complies	comply	VERB
cblr-14250	74	42	with	with	ADP
cblr-14250	74	43	those	those	DET
cblr-14250	74	44	rules	rule	NOUN
cblr-14250	74	45	and	and	CCONJ
cblr-14250	74	46	regulations	regulation	NOUN
cblr-14250	74	47	.	.	PUNCT
cblr-14250	74	48	”9	”9	NOUN
cblr-14250	75	1	this	this	DET
cblr-14250	75	2	conception	conception	NOUN
cblr-14250	75	3	is	be	AUX
cblr-14250	75	4	more	more	ADV
cblr-14250	75	5	common	common	ADJ
cblr-14250	75	6	and	and	CCONJ
cblr-14250	75	7	harder	hard	ADJ
cblr-14250	75	8	to	to	PART
cblr-14250	75	9	dismiss	dismiss	VERB
cblr-14250	75	10	.	.	PUNCT
cblr-14250	76	1	we	we	PRON
cblr-14250	76	2	will	will	AUX
cblr-14250	76	3	devote	devote	VERB
cblr-14250	76	4	space	space	NOUN
cblr-14250	76	5	in	in	ADP
cblr-14250	76	6	part	part	NOUN
cblr-14250	76	7	i	i	PRON
cblr-14250	76	8	to	to	PART
cblr-14250	76	9	assess	assess	VERB
cblr-14250	76	10	alternatives	alternative	NOUN
cblr-14250	76	11	to	to	ADP
cblr-14250	76	12	this	this	DET
cblr-14250	76	13	reductionist	reductionist	ADJ
cblr-14250	76	14	“	"	PUNCT
cblr-14250	76	15	principal	principal	ADJ
cblr-14250	76	16	-	-	PUNCT
cblr-14250	76	17	agent	agent	NOUN
cblr-14250	76	18	”	"	PUNCT
cblr-14250	76	19	model	model	NOUN
cblr-14250	76	20	of	of	ADP
cblr-14250	76	21	supervision	supervision	NOUN
cblr-14250	76	22	and	and	CCONJ
cblr-14250	76	23	explain	explain	VERB
cblr-14250	76	24	both	both	PRON
cblr-14250	76	25	why	why	SCONJ
cblr-14250	76	26	this	this	DET
cblr-14250	76	27	model	model	NOUN
cblr-14250	76	28	is	be	AUX
cblr-14250	76	29	wrong	wrong	ADJ
cblr-14250	76	30	and	and	CCONJ
cblr-14250	76	31	why	why	SCONJ
cblr-14250	76	32	its	its	PRON
cblr-14250	76	33	error	error	NOUN
cblr-14250	76	34	is	be	AUX
cblr-14250	76	35	intellectually	intellectually	ADV
cblr-14250	76	36	important	important	ADJ
cblr-14250	76	37	.	.	PUNCT
cblr-14250	77	1	in	in	ADP
cblr-14250	77	2	brief	brief	NOUN
cblr-14250	77	3	,	,	PUNCT
cblr-14250	77	4	the	the	DET
cblr-14250	77	5	entire	entire	ADJ
cblr-14250	77	6	debate	debate	NOUN
cblr-14250	77	7	about	about	ADP
cblr-14250	77	8	the	the	DET
cblr-14250	77	9	discretion	discretion	NOUN
cblr-14250	77	10	that	that	SCONJ
cblr-14250	77	11	supervisors	supervisor	NOUN
cblr-14250	77	12	must	must	AUX
cblr-14250	77	13	exercise	exercise	VERB
cblr-14250	77	14	over	over	ADP
cblr-14250	77	15	the	the	DET
cblr-14250	77	16	financial	financial	ADJ
cblr-14250	77	17	system	system	NOUN
cblr-14250	77	18	is	be	AUX
cblr-14250	77	19	a	a	DET
cblr-14250	77	20	recognition	recognition	NOUN
cblr-14250	77	21	,	,	PUNCT
cblr-14250	77	22	whether	whether	SCONJ
cblr-14250	77	23	implicit	implicit	ADJ
cblr-14250	77	24	or	or	CCONJ
cblr-14250	77	25	explicit	explicit	ADJ
cblr-14250	77	26	,	,	PUNCT
cblr-14250	77	27	that	that	SCONJ
cblr-14250	77	28	there	there	PRON
cblr-14250	77	29	is	be	VERB
cblr-14250	77	30	more	more	ADJ
cblr-14250	77	31	to	to	ADP
cblr-14250	77	32	the	the	DET
cblr-14250	77	33	supervisory	supervisory	ADJ
cblr-14250	77	34	apparatus	apparatus	NOUN
cblr-14250	77	35	than	than	ADP
cblr-14250	77	36	simple	simple	ADJ
cblr-14250	77	37	verification	verification	NOUN
cblr-14250	77	38	of	of	ADP
cblr-14250	77	39	legal	legal	ADJ
cblr-14250	77	40	obedience	obedience	NOUN
cblr-14250	77	41	.	.	PUNCT
cblr-14250	78	1	we	we	PRON
cblr-14250	78	2	depart	depart	VERB
cblr-14250	78	3	from	from	ADP
cblr-14250	78	4	a	a	DET
cblr-14250	78	5	third	third	ADJ
cblr-14250	78	6	suite	suite	NOUN
cblr-14250	78	7	of	of	ADP
cblr-14250	78	8	characterizations	characterization	NOUN
cblr-14250	78	9	of	of	ADP
cblr-14250	78	10	supervision	supervision	NOUN
cblr-14250	78	11	not	not	PART
cblr-14250	78	12	as	as	ADP
cblr-14250	78	13	conceptual	conceptual	ADJ
cblr-14250	78	14	errors	error	NOUN
cblr-14250	78	15	,	,	PUNCT
cblr-14250	78	16	per	per	X
cblr-14250	78	17	se	se	ADV
cblr-14250	78	18	,	,	PUNCT
cblr-14250	78	19	but	but	CCONJ
cblr-14250	78	20	as	as	ADP
cblr-14250	78	21	alternative	alternative	ADJ
cblr-14250	78	22	accounts	account	NOUN
cblr-14250	78	23	of	of	ADP
cblr-14250	78	24	what	what	PRON
cblr-14250	78	25	bank	bank	NOUN
cblr-14250	78	26	supervisors	supervisor	NOUN
cblr-14250	78	27	are	be	AUX
cblr-14250	78	28	meant	mean	VERB
cblr-14250	78	29	to	to	PART
cblr-14250	78	30	do	do	VERB
cblr-14250	78	31	.	.	PUNCT
cblr-14250	79	1	for	for	ADP
cblr-14250	79	2	example	example	NOUN
cblr-14250	79	3	,	,	PUNCT
cblr-14250	79	4	legal	legal	ADJ
cblr-14250	79	5	scholars	scholar	NOUN
cblr-14250	79	6	have	have	AUX
cblr-14250	79	7	variously	variously	ADV
cblr-14250	79	8	characterized	characterize	VERB
cblr-14250	79	9	supervision	supervision	NOUN
cblr-14250	79	10	as	as	ADP
cblr-14250	79	11	a	a	DET
cblr-14250	79	12	kind	kind	NOUN
cblr-14250	79	13	of	of	ADP
cblr-14250	79	14	grand	grand	ADJ
cblr-14250	79	15	settlement	settlement	NOUN
cblr-14250	79	16	of	of	ADP
cblr-14250	79	17	contentious	contentious	ADJ
cblr-14250	79	18	monetary	monetary	ADJ
cblr-14250	79	19	questions	question	NOUN
cblr-14250	79	20	introduced	introduce	VERB
cblr-14250	79	21	in	in	ADP
cblr-14250	79	22	the	the	DET
cblr-14250	79	23	civil	civil	ADJ
cblr-14250	79	24	war	war	NOUN
cblr-14250	79	25	and	and	CCONJ
cblr-14250	79	26	durable	durable	ADJ
cblr-14250	79	27	until	until	ADP
cblr-14250	79	28	the	the	DET
cblr-14250	79	29	end	end	NOUN
cblr-14250	79	30	of	of	ADP
cblr-14250	79	31	the	the	DET
cblr-14250	79	32	twentieth	twentieth	ADJ
cblr-14250	79	33	century10or	century10or	NOUN
cblr-14250	79	34	as	as	ADP
cblr-14250	79	35	a	a	DET
cblr-14250	79	36	“	"	PUNCT
cblr-14250	79	37	monitoring	monitoring	NOUN
cblr-14250	79	38	”	"	PUNCT
cblr-14250	79	39	system	system	NOUN
cblr-14250	79	40	similar	similar	ADJ
cblr-14250	79	41	to	to	ADP
cblr-14250	79	42	what	what	PRON
cblr-14250	79	43	occurs	occur	VERB
cblr-14250	79	44	in	in	ADP
cblr-14250	79	45	other	other	ADJ
cblr-14250	79	46	domains	domain	NOUN
cblr-14250	79	47	such	such	ADJ
cblr-14250	79	48	as	as	ADP
cblr-14250	79	49	food	food	NOUN
cblr-14250	79	50	,	,	PUNCT
cblr-14250	79	51	workplace	workplace	NOUN
cblr-14250	79	52	,	,	PUNCT
cblr-14250	79	53	or	or	CCONJ
cblr-14250	79	54	environmental	environmental	ADJ
cblr-14250	79	55	contexts.11	contexts.11	NOUN
cblr-14250	79	56	these	these	DET
cblr-14250	79	57	characterizations	characterization	NOUN
cblr-14250	79	58	,	,	PUNCT
cblr-14250	79	59	and	and	CCONJ
cblr-14250	79	60	others	other	NOUN
cblr-14250	79	61	like	like	ADP
cblr-14250	79	62	them	they	PRON
cblr-14250	79	63	,	,	PUNCT
cblr-14250	79	64	capture	capture	VERB
cblr-14250	79	65	parts	part	NOUN
cblr-14250	79	66	of	of	ADP
cblr-14250	79	67	the	the	DET
cblr-14250	79	68	basis	basis	NOUN
cblr-14250	79	69	of	of	ADP
cblr-14250	79	70	bank	bank	NOUN
cblr-14250	79	71	supervision	supervision	NOUN
cblr-14250	79	72	,	,	PUNCT
cblr-14250	79	73	but	but	CCONJ
cblr-14250	79	74	only	only	ADJ
cblr-14250	79	75	parts	part	NOUN
cblr-14250	79	76	,	,	PUNCT
cblr-14250	79	77	rendering	render	VERB
cblr-14250	79	78	them	they	PRON
cblr-14250	79	79	misleading	mislead	VERB
cblr-14250	79	80	in	in	ADP
cblr-14250	79	81	their	their	PRON
cblr-14250	79	82	limitations	limitation	NOUN
cblr-14250	79	83	.	.	PUNCT
cblr-14250	80	1	supervision	supervision	NOUN
cblr-14250	80	2	is	be	AUX
cblr-14250	80	3	not	not	PART
cblr-14250	80	4	simply	simply	ADV
cblr-14250	80	5	about	about	ADP
cblr-14250	80	6	ensuring	ensure	VERB
cblr-14250	80	7	duly	duly	ADV
cblr-14250	80	8	enacted	enact	VERB
cblr-14250	80	9	rules	rule	NOUN
cblr-14250	80	10	are	be	AUX
cblr-14250	80	11	followed	follow	VERB
cblr-14250	80	12	,	,	PUNCT
cblr-14250	80	13	nor	nor	CCONJ
cblr-14250	80	14	is	be	AUX
cblr-14250	80	15	it	it	PRON
cblr-14250	80	16	meant	mean	VERB
cblr-14250	80	17	to	to	PART
cblr-14250	80	18	accomplish	accomplish	VERB
cblr-14250	80	19	a	a	DET
cblr-14250	80	20	single	single	ADJ
cblr-14250	80	21	task	task	NOUN
cblr-14250	80	22	,	,	PUNCT
cblr-14250	80	23	whether	whether	SCONJ
cblr-14250	80	24	in	in	ADP
cblr-14250	80	25	monitoring	monitoring	NOUN
cblr-14250	80	26	or	or	CCONJ
cblr-14250	80	27	money	money	NOUN
cblr-14250	80	28	creation	creation	NOUN
cblr-14250	80	29	.	.	PUNCT
cblr-14250	81	1	supervision	supervision	NOUN
cblr-14250	81	2	is	be	AUX
cblr-14250	81	3	instead	instead	ADV
cblr-14250	81	4	a	a	DET
cblr-14250	81	5	process	process	NOUN
cblr-14250	81	6	through	through	ADP
cblr-14250	81	7	which	which	PRON
cblr-14250	81	8	important	important	ADJ
cblr-14250	81	9	policy	policy	NOUN
cblr-14250	81	10	decisions	decision	NOUN
cblr-14250	81	11	are	be	AUX
cblr-14250	81	12	made	make	VERB
cblr-14250	81	13	,	,	PUNCT
cblr-14250	81	14	again	again	ADV
cblr-14250	81	15	and	and	CCONJ
cblr-14250	81	16	again	again	ADV
cblr-14250	81	17	,	,	PUNCT
cblr-14250	81	18	that	that	PRON
cblr-14250	81	19	exists	exist	VERB
cblr-14250	81	20	apart	apart	ADV
cblr-14250	81	21	from	from	ADP
cblr-14250	81	22	other	other	ADJ
cblr-14250	81	23	mechanisms	mechanism	NOUN
cblr-14250	81	24	of	of	ADP
cblr-14250	81	25	legal	legal	ADJ
cblr-14250	81	26	obedience	obedience	NOUN
cblr-14250	81	27	,	,	PUNCT
cblr-14250	81	28	9	9	NUM
cblr-14250	81	29	see	see	VERB
cblr-14250	81	30	bd	bd	PROPN
cblr-14250	81	31	.	.	PROPN
cblr-14250	81	32	of	of	ADP
cblr-14250	81	33	governors	governor	NOUN
cblr-14250	81	34	of	of	ADP
cblr-14250	81	35	the	the	DET
cblr-14250	81	36	fed	fed	PROPN
cblr-14250	81	37	.	.	PUNCT
cblr-14250	82	1	rsrv	rsrv	PROPN
cblr-14250	82	2	.	.	PUNCT
cblr-14250	83	1	sys	sys	PROPN
cblr-14250	83	2	.	.	PROPN
cblr-14250	83	3	,	,	PUNCT
cblr-14250	83	4	the	the	DET
cblr-14250	83	5	federal	federal	PROPN
cblr-14250	83	6	reserve	reserve	NOUN
cblr-14250	83	7	system	system	NOUN
cblr-14250	83	8	purposes	purpose	NOUN
cblr-14250	83	9	and	and	CCONJ
cblr-14250	83	10	functions	function	NOUN
cblr-14250	83	11	72	72	NUM
cblr-14250	83	12	(	(	PUNCT
cblr-14250	83	13	10th	10th	ADJ
cblr-14250	83	14	ed	ed	NOUN
cblr-14250	83	15	.	.	PROPN
cblr-14250	83	16	2016	2016	NUM
cblr-14250	83	17	)	)	PUNCT
cblr-14250	83	18	.	.	PUNCT
cblr-14250	84	1	10	10	NUM
cblr-14250	84	2	see	see	VERB
cblr-14250	84	3	menand	menand	NOUN
cblr-14250	84	4	,	,	PUNCT
cblr-14250	84	5	why	why	SCONJ
cblr-14250	84	6	supervise	supervise	VERB
cblr-14250	84	7	banks	bank	NOUN
cblr-14250	84	8	,	,	PUNCT
cblr-14250	84	9	supra	supra	PROPN
cblr-14250	84	10	note	note	NOUN
cblr-14250	84	11	7	7	NUM
cblr-14250	84	12	.	.	SYM
cblr-14250	84	13	11	11	NUM
cblr-14250	84	14	see	see	VERB
cblr-14250	84	15	,	,	PUNCT
cblr-14250	84	16	e.g.	e.g.	ADV
cblr-14250	84	17	,	,	PUNCT
cblr-14250	84	18	rory	rory	PROPN
cblr-14250	84	19	van	van	PROPN
cblr-14250	84	20	loo	loo	PROPN
cblr-14250	84	21	,	,	PUNCT
cblr-14250	84	22	regulatory	regulatory	ADJ
cblr-14250	84	23	monitors	monitor	NOUN
cblr-14250	84	24	:	:	PUNCT
cblr-14250	84	25	policing	police	VERB
cblr-14250	84	26	firms	firm	NOUN
cblr-14250	84	27	in	in	ADP
cblr-14250	84	28	the	the	DET
cblr-14250	84	29	compliance	compliance	NOUN
cblr-14250	84	30	era	era	NOUN
cblr-14250	84	31	,	,	PUNCT
cblr-14250	84	32	119	119	NUM
cblr-14250	84	33	colum	colum	NOUN
cblr-14250	84	34	.	.	PUNCT
cblr-14250	85	1	l.	l.	PROPN
cblr-14250	85	2	rev	rev	PROPN
cblr-14250	85	3	.	.	PROPN
cblr-14250	85	4	369	369	NUM
cblr-14250	85	5	(	(	PUNCT
cblr-14250	85	6	2019	2019	NUM
cblr-14250	85	7	)	)	PUNCT
cblr-14250	85	8	.	.	PUNCT
cblr-14250	86	1	136	136	NUM
cblr-14250	86	2	columbia	columbia	PROPN
cblr-14250	86	3	business	business	NOUN
cblr-14250	86	4	law	law	PROPN
cblr-14250	86	5	review	review	NOUN
cblr-14250	86	6	[	[	X
cblr-14250	86	7	vol	vol	NOUN
cblr-14250	86	8	.	.	PUNCT
cblr-14250	86	9	2025	2025	NUM
cblr-14250	86	10	such	such	ADJ
cblr-14250	86	11	as	as	ADP
cblr-14250	86	12	corporate	corporate	ADJ
cblr-14250	86	13	governance	governance	NOUN
cblr-14250	86	14	,	,	PUNCT
cblr-14250	86	15	compliance	compliance	NOUN
cblr-14250	86	16	,	,	PUNCT
cblr-14250	86	17	litigation	litigation	NOUN
cblr-14250	86	18	,	,	PUNCT
cblr-14250	86	19	enforcement	enforcement	NOUN
cblr-14250	86	20	,	,	PUNCT
cblr-14250	86	21	and	and	CCONJ
cblr-14250	86	22	especially	especially	ADV
cblr-14250	86	23	regulation	regulation	NOUN
cblr-14250	86	24	.	.	PUNCT
cblr-14250	87	1	in	in	ADP
cblr-14250	87	2	this	this	DET
cblr-14250	87	3	sense	sense	NOUN
cblr-14250	87	4	,	,	PUNCT
cblr-14250	87	5	supervision	supervision	NOUN
cblr-14250	87	6	relocates	relocate	VERB
cblr-14250	87	7	the	the	DET
cblr-14250	87	8	situs	situs	PROPN
cblr-14250	87	9	of	of	ADP
cblr-14250	87	10	policy	policy	NOUN
cblr-14250	87	11	conflict	conflict	NOUN
cblr-14250	87	12	but	but	CCONJ
cblr-14250	87	13	does	do	AUX
cblr-14250	87	14	not	not	PART
cblr-14250	87	15	necessarily	necessarily	ADV
cblr-14250	87	16	or	or	CCONJ
cblr-14250	87	17	frequently	frequently	ADV
cblr-14250	87	18	resolve	resolve	VERB
cblr-14250	87	19	those	those	DET
cblr-14250	87	20	conflicts	conflict	NOUN
cblr-14250	87	21	in	in	ADP
cblr-14250	87	22	any	any	DET
cblr-14250	87	23	permanent	permanent	ADJ
cblr-14250	87	24	way	way	NOUN
cblr-14250	87	25	.	.	PUNCT
cblr-14250	88	1	these	these	PRON
cblr-14250	88	2	are	be	AUX
cblr-14250	88	3	the	the	DET
cblr-14250	88	4	accounts	account	NOUN
cblr-14250	88	5	our	our	PRON
cblr-14250	88	6	framework	framework	NOUN
cblr-14250	88	7	argues	argue	VERB
cblr-14250	88	8	against	against	ADP
cblr-14250	88	9	.	.	PUNCT
cblr-14250	89	1	that	that	SCONJ
cblr-14250	89	2	high	high	ADJ
cblr-14250	89	3	-	-	PUNCT
cblr-14250	89	4	level	level	NOUN
cblr-14250	89	5	description	description	NOUN
cblr-14250	89	6	of	of	ADP
cblr-14250	89	7	this	this	DET
cblr-14250	89	8	article	article	NOUN
cblr-14250	89	9	,	,	PUNCT
cblr-14250	89	10	however	however	ADV
cblr-14250	89	11	,	,	PUNCT
cblr-14250	89	12	requires	require	VERB
cblr-14250	89	13	more	more	ADJ
cblr-14250	89	14	explanation	explanation	NOUN
cblr-14250	89	15	:	:	PUNCT
cblr-14250	89	16	if	if	SCONJ
cblr-14250	89	17	supervision	supervision	NOUN
cblr-14250	89	18	is	be	AUX
cblr-14250	89	19	fundamentally	fundamentally	ADV
cblr-14250	89	20	and	and	CCONJ
cblr-14250	89	21	epistemologically	epistemologically	ADV
cblr-14250	89	22	distinct	distinct	ADJ
cblr-14250	89	23	from	from	ADP
cblr-14250	89	24	other	other	ADJ
cblr-14250	89	25	mechanisms	mechanism	NOUN
cblr-14250	89	26	of	of	ADP
cblr-14250	89	27	legal	legal	ADJ
cblr-14250	89	28	obedience	obedience	NOUN
cblr-14250	89	29	,	,	PUNCT
cblr-14250	89	30	what	what	PRON
cblr-14250	89	31	is	be	AUX
cblr-14250	89	32	its	its	PRON
cblr-14250	89	33	purpose	purpose	NOUN
cblr-14250	89	34	?	?	PUNCT
cblr-14250	90	1	we	we	PRON
cblr-14250	90	2	argue	argue	VERB
cblr-14250	90	3	that	that	SCONJ
cblr-14250	90	4	bank	bank	NOUN
cblr-14250	90	5	supervision	supervision	NOUN
cblr-14250	90	6	is	be	AUX
cblr-14250	90	7	the	the	DET
cblr-14250	90	8	uneasy	uneasy	ADJ
cblr-14250	90	9	and	and	CCONJ
cblr-14250	90	10	incomplete	incomplete	ADJ
cblr-14250	90	11	truce	truce	NOUN
cblr-14250	90	12	between	between	ADP
cblr-14250	90	13	two	two	NUM
cblr-14250	90	14	rival	rival	ADJ
cblr-14250	90	15	systems	system	NOUN
cblr-14250	90	16	of	of	ADP
cblr-14250	90	17	managing	manage	VERB
cblr-14250	90	18	financial	financial	ADJ
cblr-14250	90	19	risk	risk	NOUN
cblr-14250	90	20	:	:	PUNCT
cblr-14250	90	21	(	(	PUNCT
cblr-14250	90	22	1	1	X
cblr-14250	90	23	)	)	PUNCT
cblr-14250	90	24	a	a	DET
cblr-14250	90	25	completely	completely	ADV
cblr-14250	90	26	rules	rule	NOUN
cblr-14250	90	27	-	-	PUNCT
cblr-14250	90	28	based	base	VERB
cblr-14250	90	29	approach	approach	NOUN
cblr-14250	90	30	to	to	PART
cblr-14250	90	31	ensure	ensure	VERB
cblr-14250	90	32	compliance	compliance	NOUN
cblr-14250	90	33	with	with	ADP
cblr-14250	90	34	legal	legal	ADJ
cblr-14250	90	35	rules	rule	NOUN
cblr-14250	90	36	created	create	VERB
cblr-14250	90	37	elsewhere	elsewhere	ADV
cblr-14250	90	38	and	and	CCONJ
cblr-14250	90	39	(	(	PUNCT
cblr-14250	90	40	2	2	X
cblr-14250	90	41	)	)	PUNCT
cblr-14250	90	42	the	the	DET
cblr-14250	90	43	untrammeled	untrammeled	ADJ
cblr-14250	90	44	,	,	PUNCT
cblr-14250	90	45	discretionary	discretionary	ADJ
cblr-14250	90	46	exercise	exercise	NOUN
cblr-14250	90	47	of	of	ADP
cblr-14250	90	48	governmental	governmental	ADJ
cblr-14250	90	49	power	power	NOUN
cblr-14250	90	50	.	.	PUNCT
cblr-14250	91	1	supervision	supervision	NOUN
cblr-14250	91	2	is	be	AUX
cblr-14250	91	3	the	the	DET
cblr-14250	91	4	sometimes	sometimes	ADV
cblr-14250	91	5	more	more	ADJ
cblr-14250	91	6	,	,	PUNCT
cblr-14250	91	7	sometimes	sometimes	ADV
cblr-14250	91	8	less	less	ADV
cblr-14250	91	9	structured	structured	ADJ
cblr-14250	91	10	middle	middle	ADJ
cblr-14250	91	11	ground	ground	NOUN
cblr-14250	91	12	that	that	PRON
cblr-14250	91	13	permits	permit	VERB
cblr-14250	91	14	government	government	NOUN
cblr-14250	91	15	power	power	NOUN
cblr-14250	91	16	to	to	PART
cblr-14250	91	17	be	be	AUX
cblr-14250	91	18	flexibly	flexibly	ADV
cblr-14250	91	19	deployed	deploy	VERB
cblr-14250	91	20	to	to	PART
cblr-14250	91	21	prevent	prevent	VERB
cblr-14250	91	22	crises	crisis	NOUN
cblr-14250	91	23	and	and	CCONJ
cblr-14250	91	24	mitigate	mitigate	VERB
cblr-14250	91	25	their	their	PRON
cblr-14250	91	26	effects	effect	NOUN
cblr-14250	91	27	without	without	ADP
cblr-14250	91	28	undermining	undermine	VERB
cblr-14250	91	29	principles	principle	NOUN
cblr-14250	91	30	of	of	ADP
cblr-14250	91	31	due	due	ADJ
cblr-14250	91	32	process	process	NOUN
cblr-14250	91	33	and	and	CCONJ
cblr-14250	91	34	rule	rule	NOUN
cblr-14250	91	35	of	of	ADP
cblr-14250	91	36	law	law	NOUN
cblr-14250	91	37	that	that	PRON
cblr-14250	91	38	permit	permit	VERB
cblr-14250	91	39	society	society	NOUN
cblr-14250	91	40	to	to	PART
cblr-14250	91	41	form	form	VERB
cblr-14250	91	42	and	and	CCONJ
cblr-14250	91	43	build	build	VERB
cblr-14250	91	44	on	on	ADP
cblr-14250	91	45	expectations	expectation	NOUN
cblr-14250	91	46	of	of	ADP
cblr-14250	91	47	how	how	SCONJ
cblr-14250	91	48	government	government	NOUN
cblr-14250	91	49	power	power	NOUN
cblr-14250	91	50	will	will	AUX
cblr-14250	91	51	be	be	AUX
cblr-14250	91	52	exercised	exercise	VERB
cblr-14250	91	53	.	.	PUNCT
cblr-14250	92	1	again	again	ADV
cblr-14250	92	2	,	,	PUNCT
cblr-14250	92	3	this	this	DET
cblr-14250	92	4	framework	framework	NOUN
cblr-14250	92	5	reveals	reveal	VERB
cblr-14250	92	6	something	something	PRON
cblr-14250	92	7	important	important	ADJ
cblr-14250	92	8	about	about	ADP
cblr-14250	92	9	the	the	DET
cblr-14250	92	10	nature	nature	NOUN
cblr-14250	92	11	of	of	ADP
cblr-14250	92	12	financial	financial	ADJ
cblr-14250	92	13	risk	risk	NOUN
cblr-14250	92	14	and	and	CCONJ
cblr-14250	92	15	who	who	PRON
cblr-14250	92	16	owns	own	VERB
cblr-14250	92	17	it	it	PRON
cblr-14250	92	18	.	.	PUNCT
cblr-14250	93	1	bank	bank	NOUN
cblr-14250	93	2	supervision	supervision	NOUN
cblr-14250	93	3	sits	sit	VERB
cblr-14250	93	4	at	at	ADP
cblr-14250	93	5	the	the	DET
cblr-14250	93	6	intersection	intersection	NOUN
cblr-14250	93	7	of	of	ADP
cblr-14250	93	8	private	private	ADJ
cblr-14250	93	9	and	and	CCONJ
cblr-14250	93	10	public	public	ADJ
cblr-14250	93	11	power	power	NOUN
cblr-14250	93	12	:	:	PUNCT
cblr-14250	93	13	it	it	PRON
cblr-14250	93	14	reflects	reflect	VERB
cblr-14250	93	15	neither	neither	CCONJ
cblr-14250	93	16	the	the	DET
cblr-14250	93	17	delegation	delegation	NOUN
cblr-14250	93	18	of	of	ADP
cblr-14250	93	19	public	public	ADJ
cblr-14250	93	20	power	power	NOUN
cblr-14250	93	21	to	to	ADP
cblr-14250	93	22	private	private	ADJ
cblr-14250	93	23	actors	actor	NOUN
cblr-14250	93	24	,	,	PUNCT
cblr-14250	93	25	nor	nor	CCONJ
cblr-14250	93	26	is	be	AUX
cblr-14250	93	27	it	it	PRON
cblr-14250	93	28	an	an	DET
cblr-14250	93	29	unlawful	unlawful	ADJ
cblr-14250	93	30	intrusion	intrusion	NOUN
cblr-14250	93	31	of	of	ADP
cblr-14250	93	32	public	public	ADJ
cblr-14250	93	33	oversight	oversight	NOUN
cblr-14250	93	34	over	over	ADP
cblr-14250	93	35	private	private	ADJ
cblr-14250	93	36	prerogatives	prerogative	NOUN
cblr-14250	93	37	.	.	PUNCT
cblr-14250	94	1	it	it	PRON
cblr-14250	94	2	is	be	AUX
cblr-14250	94	3	,	,	PUNCT
cblr-14250	94	4	fundamentally	fundamentally	ADV
cblr-14250	94	5	,	,	PUNCT
cblr-14250	94	6	a	a	DET
cblr-14250	94	7	kind	kind	NOUN
cblr-14250	94	8	of	of	ADP
cblr-14250	94	9	corporatist	corporatist	NOUN
cblr-14250	94	10	bargain	bargain	NOUN
cblr-14250	94	11	of	of	ADP
cblr-14250	94	12	shared	share	VERB
cblr-14250	94	13	public	public	ADJ
cblr-14250	94	14	and	and	CCONJ
cblr-14250	94	15	private	private	ADJ
cblr-14250	94	16	power	power	NOUN
cblr-14250	94	17	that	that	PRON
cblr-14250	94	18	allocates	allocate	VERB
cblr-14250	94	19	financial	financial	ADJ
cblr-14250	94	20	risk	risk	NOUN
cblr-14250	94	21	among	among	ADP
cblr-14250	94	22	private	private	ADJ
cblr-14250	94	23	actors	actor	NOUN
cblr-14250	94	24	and	and	CCONJ
cblr-14250	94	25	public	public	ADJ
cblr-14250	94	26	officials	official	NOUN
cblr-14250	94	27	.	.	PUNCT
cblr-14250	95	1	present	present	ADJ
cblr-14250	95	2	debates	debate	NOUN
cblr-14250	95	3	about	about	ADP
cblr-14250	95	4	the	the	DET
cblr-14250	95	5	boundaries	boundary	NOUN
cblr-14250	95	6	of	of	ADP
cblr-14250	95	7	these	these	DET
cblr-14250	95	8	lines	line	NOUN
cblr-14250	95	9	fall	fall	VERB
cblr-14250	95	10	,	,	PUNCT
cblr-14250	95	11	consciously	consciously	ADV
cblr-14250	95	12	or	or	CCONJ
cblr-14250	95	13	not	not	PART
cblr-14250	95	14	,	,	PUNCT
cblr-14250	95	15	within	within	ADP
cblr-14250	95	16	that	that	DET
cblr-14250	95	17	corporatist	corporatist	NOUN
cblr-14250	95	18	framework.12	framework.12	NOUN
cblr-14250	95	19	12	12	NUM
cblr-14250	95	20	in	in	ADP
cblr-14250	95	21	this	this	DET
cblr-14250	95	22	way	way	NOUN
cblr-14250	95	23	,	,	PUNCT
cblr-14250	95	24	bank	bank	NOUN
cblr-14250	95	25	supervision	supervision	NOUN
cblr-14250	95	26	functions	function	NOUN
cblr-14250	95	27	within	within	ADP
cblr-14250	95	28	debates	debate	NOUN
cblr-14250	95	29	about	about	ADP
cblr-14250	95	30	corporatism	corporatism	NOUN
cblr-14250	95	31	that	that	PRON
cblr-14250	95	32	its	its	PRON
cblr-14250	95	33	critics	critic	NOUN
cblr-14250	95	34	and	and	CCONJ
cblr-14250	95	35	defenders	defender	NOUN
cblr-14250	95	36	have	have	AUX
cblr-14250	95	37	elaborated	elaborate	VERB
cblr-14250	95	38	for	for	ADP
cblr-14250	95	39	decades	decade	NOUN
cblr-14250	95	40	.	.	PUNCT
cblr-14250	96	1	see	see	VERB
cblr-14250	96	2	gabriel	gabriel	PROPN
cblr-14250	96	3	kolko	kolko	PROPN
cblr-14250	96	4	,	,	PUNCT
cblr-14250	96	5	the	the	DET
cblr-14250	96	6	triumph	triumph	NOUN
cblr-14250	96	7	of	of	ADP
cblr-14250	96	8	conservatism	conservatism	NOUN
cblr-14250	96	9	:	:	PUNCT
cblr-14250	96	10	a	a	DET
cblr-14250	96	11	reinterpretation	reinterpretation	NOUN
cblr-14250	96	12	of	of	ADP
cblr-14250	96	13	american	american	ADJ
cblr-14250	96	14	history	history	NOUN
cblr-14250	96	15	,	,	PUNCT
cblr-14250	96	16	1900–1916	1900–1916	NUM
cblr-14250	96	17	(	(	PUNCT
cblr-14250	96	18	1977	1977	NUM
cblr-14250	96	19	)	)	PUNCT
cblr-14250	96	20	;	;	PUNCT
cblr-14250	96	21	oscar	oscar	PROPN
cblr-14250	96	22	molina	molina	PROPN
cblr-14250	96	23	&	&	CCONJ
cblr-14250	96	24	martin	martin	PROPN
cblr-14250	96	25	rhodes	rhodes	PROPN
cblr-14250	96	26	,	,	PUNCT
cblr-14250	96	27	corporatism	corporatism	NOUN
cblr-14250	96	28	:	:	PUNCT
cblr-14250	96	29	the	the	DET
cblr-14250	96	30	past	past	NOUN
cblr-14250	96	31	,	,	PUNCT
cblr-14250	96	32	present	present	ADJ
cblr-14250	96	33	,	,	PUNCT
cblr-14250	96	34	and	and	CCONJ
cblr-14250	96	35	future	future	NOUN
cblr-14250	96	36	of	of	ADP
cblr-14250	96	37	a	a	DET
cblr-14250	96	38	concept	concept	NOUN
cblr-14250	96	39	,	,	PUNCT
cblr-14250	96	40	5	5	NUM
cblr-14250	96	41	annu	annu	NOUN
cblr-14250	96	42	.	.	PUNCT
cblr-14250	97	1	rev	rev	PROPN
cblr-14250	97	2	.	.	PROPN
cblr-14250	97	3	political	political	ADJ
cblr-14250	97	4	sci	sci	PROPN
cblr-14250	97	5	.	.	PROPN
cblr-14250	98	1	305	305	NUM
cblr-14250	98	2	(	(	PUNCT
cblr-14250	98	3	2002	2002	NUM
cblr-14250	98	4	)	)	PUNCT
cblr-14250	98	5	.	.	PUNCT
cblr-14250	99	1	no	no	INTJ
cblr-14250	99	2	.	.	NOUN
cblr-14250	99	3	1	1	NUM
cblr-14250	99	4	]	]	PUNCT
cblr-14250	99	5	risk	risk	NOUN
cblr-14250	99	6	,	,	PUNCT
cblr-14250	99	7	discretion	discretion	NOUN
cblr-14250	99	8	,	,	PUNCT
cblr-14250	99	9	and	and	CCONJ
cblr-14250	99	10	bank	bank	NOUN
cblr-14250	99	11	supervision	supervision	NOUN
cblr-14250	99	12	137	137	NUM
cblr-14250	99	13	this	this	DET
cblr-14250	99	14	new	new	ADJ
cblr-14250	99	15	framework	framework	NOUN
cblr-14250	99	16	yields	yield	VERB
cblr-14250	99	17	important	important	ADJ
cblr-14250	99	18	lessons	lesson	NOUN
cblr-14250	99	19	and	and	CCONJ
cblr-14250	99	20	insights	insight	NOUN
cblr-14250	99	21	to	to	ADP
cblr-14250	99	22	ongoing	ongoing	ADJ
cblr-14250	99	23	discussions	discussion	NOUN
cblr-14250	99	24	,	,	PUNCT
cblr-14250	99	25	both	both	CCONJ
cblr-14250	99	26	in	in	ADP
cblr-14250	99	27	the	the	DET
cblr-14250	99	28	historiography	historiography	NOUN
cblr-14250	99	29	of	of	ADP
cblr-14250	99	30	the	the	DET
cblr-14250	99	31	nineteenth	nineteenth	ADJ
cblr-14250	99	32	and	and	CCONJ
cblr-14250	99	33	twentieth	twentieth	ADJ
cblr-14250	99	34	centuries	century	NOUN
cblr-14250	99	35	and	and	CCONJ
cblr-14250	99	36	on	on	ADP
cblr-14250	99	37	several	several	ADJ
cblr-14250	99	38	issues	issue	NOUN
cblr-14250	99	39	of	of	ADP
cblr-14250	99	40	relevance	relevance	NOUN
cblr-14250	99	41	to	to	ADP
cblr-14250	99	42	twenty	twenty	NUM
cblr-14250	99	43	-	-	PUNCT
cblr-14250	99	44	first	first	ADJ
cblr-14250	99	45	century	century	NOUN
cblr-14250	99	46	public	public	ADJ
cblr-14250	99	47	policy	policy	NOUN
cblr-14250	99	48	.	.	PUNCT
cblr-14250	100	1	historically	historically	ADV
cblr-14250	100	2	,	,	PUNCT
cblr-14250	100	3	the	the	DET
cblr-14250	100	4	evolutionary	evolutionary	ADJ
cblr-14250	100	5	process	process	NOUN
cblr-14250	100	6	of	of	ADP
cblr-14250	100	7	institution	institution	NOUN
cblr-14250	100	8	-	-	PUNCT
cblr-14250	100	9	building	building	NOUN
cblr-14250	100	10	in	in	ADP
cblr-14250	100	11	and	and	CCONJ
cblr-14250	100	12	around	around	ADP
cblr-14250	100	13	bank	bank	NOUN
cblr-14250	100	14	supervision	supervision	NOUN
cblr-14250	100	15	informs	inform	VERB
cblr-14250	100	16	several	several	ADJ
cblr-14250	100	17	key	key	ADJ
cblr-14250	100	18	debates	debate	NOUN
cblr-14250	100	19	about	about	ADP
cblr-14250	100	20	state	state	NOUN
cblr-14250	100	21	capacity	capacity	NOUN
cblr-14250	100	22	in	in	ADP
cblr-14250	100	23	the	the	DET
cblr-14250	100	24	postbellum	postbellum	ADJ
cblr-14250	100	25	nineteenth	nineteenth	PROPN
cblr-14250	100	26	century	century	NOUN
cblr-14250	100	27	,	,	PUNCT
cblr-14250	100	28	the	the	DET
cblr-14250	100	29	progressive	progressive	ADJ
cblr-14250	100	30	era	era	NOUN
cblr-14250	100	31	,	,	PUNCT
cblr-14250	100	32	the	the	DET
cblr-14250	100	33	new	new	ADJ
cblr-14250	100	34	deal	deal	NOUN
cblr-14250	100	35	era	era	NOUN
cblr-14250	100	36	,	,	PUNCT
cblr-14250	100	37	the	the	DET
cblr-14250	100	38	postwar	postwar	ADJ
cblr-14250	100	39	era	era	NOUN
cblr-14250	100	40	,	,	PUNCT
cblr-14250	100	41	the	the	DET
cblr-14250	100	42	civil	civil	ADJ
cblr-14250	100	43	rights	right	NOUN
cblr-14250	100	44	revolution	revolution	NOUN
cblr-14250	100	45	,	,	PUNCT
cblr-14250	100	46	and	and	CCONJ
cblr-14250	100	47	late	late	ADJ
cblr-14250	100	48	twentieth	twentieth	ADJ
cblr-14250	100	49	century	century	NOUN
cblr-14250	100	50	neoliberalism	neoliberalism	NOUN
cblr-14250	100	51	.	.	PUNCT
cblr-14250	101	1	for	for	ADP
cblr-14250	101	2	instance	instance	NOUN
cblr-14250	101	3	,	,	PUNCT
cblr-14250	101	4	one	one	NUM
cblr-14250	101	5	area	area	NOUN
cblr-14250	101	6	on	on	ADP
cblr-14250	101	7	which	which	PRON
cblr-14250	101	8	it	it	PRON
cblr-14250	101	9	sheds	shed	VERB
cblr-14250	101	10	more	more	ADJ
cblr-14250	101	11	light	light	NOUN
cblr-14250	101	12	is	be	AUX
cblr-14250	101	13	the	the	DET
cblr-14250	101	14	growth	growth	NOUN
cblr-14250	101	15	of	of	ADP
cblr-14250	101	16	the	the	DET
cblr-14250	101	17	american	american	ADJ
cblr-14250	101	18	state	state	NOUN
cblr-14250	101	19	—	—	PUNCT
cblr-14250	101	20	an	an	DET
cblr-14250	101	21	area	area	NOUN
cblr-14250	101	22	of	of	ADP
cblr-14250	101	23	focus	focus	NOUN
cblr-14250	101	24	and	and	CCONJ
cblr-14250	101	25	influence	influence	NOUN
cblr-14250	101	26	by	by	ADP
cblr-14250	101	27	scholars	scholar	NOUN
cblr-14250	101	28	such	such	ADJ
cblr-14250	101	29	as	as	ADP
cblr-14250	101	30	lowi	lowi	NOUN
cblr-14250	101	31	,	,	PUNCT
cblr-14250	101	32	novak	novak	NOUN
cblr-14250	101	33	,	,	PUNCT
cblr-14250	101	34	skowronek	skowronek	NOUN
cblr-14250	101	35	,	,	PUNCT
cblr-14250	101	36	and	and	CCONJ
cblr-14250	101	37	mashaw.13	mashaw.13	PROPN
cblr-14250	101	38	importantly	importantly	ADV
cblr-14250	101	39	,	,	PUNCT
cblr-14250	101	40	federal	federal	PROPN
cblr-14250	101	41	bank	bank	PROPN
cblr-14250	101	42	supervision	supervision	NOUN
cblr-14250	101	43	predates	predate	VERB
cblr-14250	101	44	the	the	DET
cblr-14250	101	45	interstate	interstate	PROPN
cblr-14250	101	46	commerce	commerce	PROPN
cblr-14250	101	47	commission	commission	PROPN
cblr-14250	101	48	—	—	PUNCT
cblr-14250	101	49	the	the	DET
cblr-14250	101	50	conventional	conventional	ADJ
cblr-14250	101	51	starting	starting	NOUN
cblr-14250	101	52	point	point	NOUN
cblr-14250	101	53	for	for	ADP
cblr-14250	101	54	bureaucratic	bureaucratic	ADJ
cblr-14250	101	55	development	development	NOUN
cblr-14250	101	56	in	in	ADP
cblr-14250	101	57	the	the	DET
cblr-14250	101	58	united	united	PROPN
cblr-14250	101	59	states	states	PROPN
cblr-14250	101	60	—	—	PUNCT
cblr-14250	101	61	by	by	ADP
cblr-14250	101	62	more	more	ADJ
cblr-14250	101	63	than	than	ADP
cblr-14250	101	64	two	two	NUM
cblr-14250	101	65	decades	decade	NOUN
cblr-14250	101	66	,	,	PUNCT
cblr-14250	101	67	and	and	CCONJ
cblr-14250	101	68	it	it	PRON
cblr-14250	101	69	existed	exist	VERB
cblr-14250	101	70	for	for	ADP
cblr-14250	101	71	several	several	ADJ
cblr-14250	101	72	decades	decade	NOUN
cblr-14250	101	73	before	before	ADP
cblr-14250	101	74	that	that	PRON
cblr-14250	101	75	at	at	ADP
cblr-14250	101	76	the	the	DET
cblr-14250	101	77	state	state	NOUN
cblr-14250	101	78	level	level	NOUN
cblr-14250	101	79	.	.	PUNCT
cblr-14250	102	1	this	this	DET
cblr-14250	102	2	article	article	NOUN
cblr-14250	102	3	contributes	contribute	VERB
cblr-14250	102	4	to	to	ADP
cblr-14250	102	5	the	the	DET
cblr-14250	102	6	understanding	understanding	NOUN
cblr-14250	102	7	of	of	ADP
cblr-14250	102	8	the	the	DET
cblr-14250	102	9	development	development	NOUN
cblr-14250	102	10	of	of	ADP
cblr-14250	102	11	state	state	NOUN
cblr-14250	102	12	capacity	capacity	NOUN
cblr-14250	102	13	from	from	ADP
cblr-14250	102	14	the	the	DET
cblr-14250	102	15	progressive	progressive	ADJ
cblr-14250	102	16	era	era	NOUN
cblr-14250	102	17	,	,	PUNCT
cblr-14250	102	18	when	when	SCONJ
cblr-14250	102	19	bank	bank	NOUN
cblr-14250	102	20	supervision	supervision	NOUN
cblr-14250	102	21	unsuccessfully	unsuccessfully	ADV
cblr-14250	102	22	strove	strove	VERB
cblr-14250	102	23	to	to	PART
cblr-14250	102	24	manage	manage	VERB
cblr-14250	102	25	residual	residual	ADJ
cblr-14250	102	26	risk	risk	NOUN
cblr-14250	102	27	that	that	PRON
cblr-14250	102	28	should	should	AUX
cblr-14250	102	29	have	have	AUX
cblr-14250	102	30	belonged	belong	VERB
cblr-14250	102	31	most	most	ADV
cblr-14250	102	32	concretely	concretely	ADV
cblr-14250	102	33	to	to	ADP
cblr-14250	102	34	private	private	ADJ
cblr-14250	102	35	banks	bank	NOUN
cblr-14250	102	36	,	,	PUNCT
cblr-14250	102	37	through	through	ADP
cblr-14250	102	38	to	to	ADP
cblr-14250	102	39	the	the	DET
cblr-14250	102	40	new	new	ADJ
cblr-14250	102	41	deal	deal	NOUN
cblr-14250	102	42	,	,	PUNCT
cblr-14250	102	43	when	when	SCONJ
cblr-14250	102	44	the	the	DET
cblr-14250	102	45	advent	advent	NOUN
cblr-14250	102	46	of	of	ADP
cblr-14250	102	47	deposit	deposit	NOUN
cblr-14250	102	48	insurance	insurance	NOUN
cblr-14250	102	49	made	make	VERB
cblr-14250	102	50	the	the	DET
cblr-14250	102	51	commitment	commitment	NOUN
cblr-14250	102	52	to	to	ADP
cblr-14250	102	53	managing	manage	VERB
cblr-14250	102	54	residual	residual	ADJ
cblr-14250	102	55	risk	risk	NOUN
cblr-14250	102	56	definitive	definitive	ADJ
cblr-14250	102	57	.	.	PUNCT
cblr-14250	103	1	unlike	unlike	ADP
cblr-14250	103	2	conventional	conventional	ADJ
cblr-14250	103	3	narratives	narrative	NOUN
cblr-14250	103	4	about	about	ADP
cblr-14250	103	5	the	the	DET
cblr-14250	103	6	development	development	NOUN
cblr-14250	103	7	of	of	ADP
cblr-14250	103	8	progressive	progressive	ADJ
cblr-14250	103	9	-	-	PUNCT
cblr-14250	103	10	era	era	NOUN
cblr-14250	103	11	government	government	NOUN
cblr-14250	103	12	oversight	oversight	NOUN
cblr-14250	103	13	of	of	ADP
cblr-14250	103	14	commerce	commerce	NOUN
cblr-14250	103	15	—	—	PUNCT
cblr-14250	103	16	whether	whether	SCONJ
cblr-14250	103	17	the	the	DET
cblr-14250	103	18	corporatist	corporatist	NOUN
cblr-14250	103	19	vision	vision	NOUN
cblr-14250	103	20	of	of	ADP
cblr-14250	103	21	kolko,14	kolko,14	NOUN
cblr-14250	103	22	the	the	DET
cblr-14250	103	23	technocratic	technocratic	ADJ
cblr-14250	103	24	arguments	argument	NOUN
cblr-14250	103	25	of	of	ADP
cblr-14250	103	26	wiebe,15	wiebe,15	NOUN
cblr-14250	103	27	or	or	CCONJ
cblr-14250	103	28	the	the	DET
cblr-14250	103	29	interest	interest	NOUN
cblr-14250	103	30	-	-	PUNCT
cblr-14250	103	31	group	group	NOUN
cblr-14250	103	32	vision	vision	NOUN
cblr-14250	103	33	of	of	ADP
cblr-14250	103	34	sanders16	sanders16	NOUN
cblr-14250	103	35	—	—	PUNCT
cblr-14250	103	36	we	we	PRON
cblr-14250	103	37	argue	argue	VERB
cblr-14250	103	38	that	that	SCONJ
cblr-14250	103	39	supervision	supervision	NOUN
cblr-14250	103	40	in	in	ADP
cblr-14250	103	41	the	the	DET
cblr-14250	103	42	progressive	progressive	ADJ
cblr-14250	103	43	era	era	NOUN
cblr-14250	103	44	was	be	AUX
cblr-14250	103	45	an	an	DET
cblr-14250	103	46	experimental	experimental	ADJ
cblr-14250	103	47	13	13	NUM
cblr-14250	103	48	see	see	NOUN
cblr-14250	103	49	generally	generally	ADV
cblr-14250	103	50	theodore	theodore	PROPN
cblr-14250	103	51	j.	j.	PROPN
cblr-14250	103	52	lowi	lowi	PROPN
cblr-14250	103	53	,	,	PUNCT
cblr-14250	103	54	the	the	DET
cblr-14250	103	55	end	end	NOUN
cblr-14250	103	56	of	of	ADP
cblr-14250	103	57	liberalism	liberalism	NOUN
cblr-14250	103	58	:	:	PUNCT
cblr-14250	103	59	ideology	ideology	NOUN
cblr-14250	103	60	,	,	PUNCT
cblr-14250	103	61	policy	policy	NOUN
cblr-14250	103	62	,	,	PUNCT
cblr-14250	103	63	and	and	CCONJ
cblr-14250	103	64	the	the	DET
cblr-14250	103	65	crisis	crisis	NOUN
cblr-14250	103	66	of	of	ADP
cblr-14250	103	67	public	public	ADJ
cblr-14250	103	68	authority	authority	NOUN
cblr-14250	103	69	(	(	PUNCT
cblr-14250	103	70	1969	1969	NUM
cblr-14250	103	71	)	)	PUNCT
cblr-14250	103	72	;	;	PUNCT
cblr-14250	104	1	william	william	PROPN
cblr-14250	104	2	novak	novak	PROPN
cblr-14250	104	3	,	,	PUNCT
cblr-14250	104	4	the	the	DET
cblr-14250	104	5	people	people	NOUN
cblr-14250	104	6	’s	’s	PART
cblr-14250	104	7	welfare	welfare	NOUN
cblr-14250	104	8	:	:	PUNCT
cblr-14250	104	9	law	law	NOUN
cblr-14250	104	10	and	and	CCONJ
cblr-14250	104	11	regulation	regulation	NOUN
cblr-14250	104	12	in	in	ADP
cblr-14250	104	13	nineteenth	nineteenth	ADJ
cblr-14250	104	14	century	century	PROPN
cblr-14250	104	15	america	america	PROPN
cblr-14250	104	16	(	(	PUNCT
cblr-14250	104	17	1996	1996	NUM
cblr-14250	104	18	)	)	PUNCT
cblr-14250	104	19	;	;	PUNCT
cblr-14250	104	20	stephen	stephen	PROPN
cblr-14250	104	21	skowronek	skowronek	PROPN
cblr-14250	104	22	,	,	PUNCT
cblr-14250	104	23	building	build	VERB
cblr-14250	104	24	a	a	DET
cblr-14250	104	25	new	new	ADJ
cblr-14250	104	26	american	american	ADJ
cblr-14250	104	27	state	state	NOUN
cblr-14250	104	28	:	:	PUNCT
cblr-14250	104	29	the	the	DET
cblr-14250	104	30	expansion	expansion	NOUN
cblr-14250	104	31	of	of	ADP
cblr-14250	104	32	national	national	ADJ
cblr-14250	104	33	administrative	administrative	ADJ
cblr-14250	104	34	capacities	capacity	NOUN
cblr-14250	104	35	,	,	PUNCT
cblr-14250	104	36	1877–1920	1877–1920	NUM
cblr-14250	104	37	(	(	PUNCT
cblr-14250	104	38	1982	1982	NUM
cblr-14250	104	39	)	)	PUNCT
cblr-14250	104	40	;	;	PUNCT
cblr-14250	104	41	jerry	jerry	PROPN
cblr-14250	104	42	l.	l.	PROPN
cblr-14250	104	43	mashaw	mashaw	PROPN
cblr-14250	104	44	,	,	PUNCT
cblr-14250	104	45	creating	create	VERB
cblr-14250	104	46	the	the	DET
cblr-14250	104	47	administrative	administrative	ADJ
cblr-14250	104	48	constitution	constitution	NOUN
cblr-14250	104	49	:	:	PUNCT
cblr-14250	104	50	the	the	DET
cblr-14250	104	51	lost	lose	VERB
cblr-14250	104	52	one	one	NUM
cblr-14250	104	53	hundred	hundred	NUM
cblr-14250	104	54	years	year	NOUN
cblr-14250	104	55	of	of	ADP
cblr-14250	104	56	american	american	PROPN
cblr-14250	104	57	administrative	administrative	PROPN
cblr-14250	104	58	law	law	PROPN
cblr-14250	104	59	(	(	PUNCT
cblr-14250	104	60	2012	2012	NUM
cblr-14250	104	61	)	)	PUNCT
cblr-14250	104	62	.	.	PUNCT
cblr-14250	104	63	14	14	NUM
cblr-14250	104	64	kolko	kolko	PROPN
cblr-14250	104	65	,	,	PUNCT
cblr-14250	104	66	supra	supra	PROPN
cblr-14250	104	67	note	note	NOUN
cblr-14250	104	68	12	12	NUM
cblr-14250	104	69	.	.	SYM
cblr-14250	104	70	15	15	NUM
cblr-14250	104	71	see	see	VERB
cblr-14250	104	72	robert	robert	PROPN
cblr-14250	104	73	h.	h.	PROPN
cblr-14250	104	74	wiebe	wiebe	PROPN
cblr-14250	104	75	,	,	PUNCT
cblr-14250	104	76	the	the	DET
cblr-14250	104	77	search	search	NOUN
cblr-14250	104	78	for	for	ADP
cblr-14250	104	79	order	order	NOUN
cblr-14250	104	80	1877–1920	1877–1920	NUM
cblr-14250	104	81	(	(	PUNCT
cblr-14250	104	82	1967	1967	NUM
cblr-14250	104	83	)	)	PUNCT
cblr-14250	104	84	.	.	PUNCT
cblr-14250	105	1	16	16	NUM
cblr-14250	105	2	see	see	VERB
cblr-14250	105	3	elizabeth	elizabeth	PROPN
cblr-14250	105	4	sanders	sanders	PROPN
cblr-14250	105	5	,	,	PUNCT
cblr-14250	105	6	roots	root	NOUN
cblr-14250	105	7	of	of	ADP
cblr-14250	105	8	reform	reform	NOUN
cblr-14250	105	9	farmers	farmer	NOUN
cblr-14250	105	10	,	,	PUNCT
cblr-14250	105	11	workers	worker	NOUN
cblr-14250	105	12	,	,	PUNCT
cblr-14250	105	13	and	and	CCONJ
cblr-14250	105	14	the	the	DET
cblr-14250	105	15	american	american	ADJ
cblr-14250	105	16	state	state	PROPN
cblr-14250	105	17	,	,	PUNCT
cblr-14250	105	18	1877–1917	1877–1917	NUM
cblr-14250	105	19	(	(	PUNCT
cblr-14250	105	20	1999	1999	NUM
cblr-14250	105	21	)	)	PUNCT
cblr-14250	105	22	.	.	PUNCT
cblr-14250	106	1	138	138	NUM
cblr-14250	106	2	columbia	columbia	PROPN
cblr-14250	106	3	business	business	NOUN
cblr-14250	106	4	law	law	PROPN
cblr-14250	106	5	review	review	NOUN
cblr-14250	106	6	[	[	X
cblr-14250	106	7	vol	vol	NOUN
cblr-14250	106	8	.	.	PUNCT
cblr-14250	106	9	2025	2025	NUM
cblr-14250	106	10	period	period	NOUN
cblr-14250	106	11	wherein	wherein	ADJ
cblr-14250	106	12	interest	interest	NOUN
cblr-14250	106	13	groups	group	NOUN
cblr-14250	106	14	fought	fight	VERB
cblr-14250	106	15	for	for	ADP
cblr-14250	106	16	primacy	primacy	NOUN
cblr-14250	106	17	but	but	CCONJ
cblr-14250	106	18	government	government	NOUN
cblr-14250	106	19	power	power	NOUN
cblr-14250	106	20	failed	fail	VERB
cblr-14250	106	21	to	to	PART
cblr-14250	106	22	coalesce	coalesce	VERB
cblr-14250	106	23	successfully	successfully	ADV
cblr-14250	106	24	around	around	ADP
cblr-14250	106	25	a	a	DET
cblr-14250	106	26	single	single	ADJ
cblr-14250	106	27	vision	vision	NOUN
cblr-14250	106	28	of	of	ADP
cblr-14250	106	29	what	what	PRON
cblr-14250	106	30	state	state	NOUN
cblr-14250	106	31	capacity	capacity	NOUN
cblr-14250	106	32	should	should	AUX
cblr-14250	106	33	be	be	AUX
cblr-14250	106	34	used	use	VERB
cblr-14250	106	35	to	to	PART
cblr-14250	106	36	do	do	VERB
cblr-14250	106	37	.	.	PUNCT
cblr-14250	107	1	the	the	DET
cblr-14250	107	2	new	new	ADJ
cblr-14250	107	3	deal	deal	NOUN
cblr-14250	107	4	era	era	NOUN
cblr-14250	107	5	—	—	PUNCT
cblr-14250	107	6	and	and	CCONJ
cblr-14250	107	7	the	the	DET
cblr-14250	107	8	response	response	NOUN
cblr-14250	107	9	to	to	ADP
cblr-14250	107	10	the	the	DET
cblr-14250	107	11	bank	bank	NOUN
cblr-14250	107	12	holiday	holiday	NOUN
cblr-14250	107	13	of	of	ADP
cblr-14250	107	14	1933	1933	NUM
cblr-14250	107	15	in	in	ADP
cblr-14250	107	16	particular	particular	ADJ
cblr-14250	107	17	—	—	PUNCT
cblr-14250	107	18	marks	mark	VERB
cblr-14250	107	19	the	the	DET
cblr-14250	107	20	true	true	ADJ
cblr-14250	107	21	ascension	ascension	NOUN
cblr-14250	107	22	of	of	ADP
cblr-14250	107	23	bank	bank	NOUN
cblr-14250	107	24	supervision	supervision	NOUN
cblr-14250	107	25	into	into	ADP
cblr-14250	107	26	the	the	DET
cblr-14250	107	27	practice	practice	NOUN
cblr-14250	107	28	largely	largely	ADV
cblr-14250	107	29	understood	understand	VERB
cblr-14250	107	30	today.17	today.17	NOUN
cblr-14250	107	31	during	during	ADP
cblr-14250	107	32	the	the	DET
cblr-14250	107	33	holiday	holiday	NOUN
cblr-14250	107	34	,	,	PUNCT
cblr-14250	107	35	roosevelt	roosevelt	PROPN
cblr-14250	107	36	tied	tie	VERB
cblr-14250	107	37	his	his	PRON
cblr-14250	107	38	own	own	ADJ
cblr-14250	107	39	political	political	ADJ
cblr-14250	107	40	legitimacy	legitimacy	NOUN
cblr-14250	107	41	to	to	ADP
cblr-14250	107	42	the	the	DET
cblr-14250	107	43	technocratic	technocratic	ADJ
cblr-14250	107	44	work	work	NOUN
cblr-14250	107	45	of	of	ADP
cblr-14250	107	46	bank	bank	NOUN
cblr-14250	107	47	examiners	examiner	NOUN
cblr-14250	107	48	,	,	PUNCT
cblr-14250	107	49	and	and	CCONJ
cblr-14250	107	50	thus	thus	ADV
cblr-14250	107	51	to	to	ADP
cblr-14250	107	52	bank	bank	NOUN
cblr-14250	107	53	supervision	supervision	NOUN
cblr-14250	107	54	at	at	ADP
cblr-14250	107	55	large	large	ADJ
cblr-14250	107	56	.	.	PUNCT
cblr-14250	108	1	congress	congress	PROPN
cblr-14250	108	2	adopted	adopt	VERB
cblr-14250	108	3	that	that	DET
cblr-14250	108	4	model	model	NOUN
cblr-14250	108	5	of	of	ADP
cblr-14250	108	6	technocratic	technocratic	ADJ
cblr-14250	108	7	executive	executive	ADJ
cblr-14250	108	8	oversight	oversight	NOUN
cblr-14250	108	9	by	by	ADP
cblr-14250	108	10	expanding	expand	VERB
cblr-14250	108	11	the	the	DET
cblr-14250	108	12	supervisory	supervisory	ADJ
cblr-14250	108	13	role	role	NOUN
cblr-14250	108	14	of	of	ADP
cblr-14250	108	15	the	the	DET
cblr-14250	108	16	comptroller	comptroller	NOUN
cblr-14250	108	17	and	and	CCONJ
cblr-14250	108	18	federal	federal	PROPN
cblr-14250	108	19	reserve	reserve	NOUN
cblr-14250	108	20	while	while	SCONJ
cblr-14250	108	21	also	also	ADV
cblr-14250	108	22	creating	create	VERB
cblr-14250	108	23	a	a	DET
cblr-14250	108	24	new	new	ADJ
cblr-14250	108	25	model	model	NOUN
cblr-14250	108	26	of	of	ADP
cblr-14250	108	27	supervision	supervision	NOUN
cblr-14250	108	28	based	base	VERB
cblr-14250	108	29	in	in	ADP
cblr-14250	108	30	deposit	deposit	NOUN
cblr-14250	108	31	insurance	insurance	NOUN
cblr-14250	108	32	.	.	PUNCT
cblr-14250	109	1	the	the	DET
cblr-14250	109	2	move	move	NOUN
cblr-14250	109	3	was	be	AUX
cblr-14250	109	4	not	not	PART
cblr-14250	109	5	merely	merely	ADV
cblr-14250	109	6	institutional	institutional	ADJ
cblr-14250	109	7	,	,	PUNCT
cblr-14250	109	8	however	however	ADV
cblr-14250	109	9	;	;	PUNCT
cblr-14250	109	10	the	the	DET
cblr-14250	109	11	practice	practice	NOUN
cblr-14250	109	12	of	of	ADP
cblr-14250	109	13	positioning	positioning	NOUN
cblr-14250	109	14	supervision	supervision	NOUN
cblr-14250	109	15	as	as	ADP
cblr-14250	109	16	the	the	DET
cblr-14250	109	17	space	space	NOUN
cblr-14250	109	18	where	where	SCONJ
cblr-14250	109	19	public	public	ADJ
cblr-14250	109	20	and	and	CCONJ
cblr-14250	109	21	private	private	ADJ
cblr-14250	109	22	actors	actor	NOUN
cblr-14250	109	23	vie	vie	X
cblr-14250	109	24	for	for	ADP
cblr-14250	109	25	control	control	NOUN
cblr-14250	109	26	through	through	ADP
cblr-14250	109	27	rules	rule	NOUN
cblr-14250	109	28	and	and	CCONJ
cblr-14250	109	29	the	the	DET
cblr-14250	109	30	exercise	exercise	NOUN
cblr-14250	109	31	of	of	ADP
cblr-14250	109	32	power	power	NOUN
cblr-14250	109	33	became	become	VERB
cblr-14250	109	34	the	the	DET
cblr-14250	109	35	dominant	dominant	ADJ
cblr-14250	109	36	model	model	NOUN
cblr-14250	109	37	of	of	ADP
cblr-14250	109	38	risk	risk	NOUN
cblr-14250	109	39	management	management	NOUN
cblr-14250	109	40	.	.	PUNCT
cblr-14250	110	1	while	while	SCONJ
cblr-14250	110	2	there	there	PRON
cblr-14250	110	3	was	be	VERB
cblr-14250	110	4	some	some	DET
cblr-14250	110	5	minor	minor	ADJ
cblr-14250	110	6	institutional	institutional	ADJ
cblr-14250	110	7	innovation	innovation	NOUN
cblr-14250	110	8	after	after	SCONJ
cblr-14250	110	9	the	the	DET
cblr-14250	110	10	new	new	ADJ
cblr-14250	110	11	deal	deal	NOUN
cblr-14250	110	12	—	—	PUNCT
cblr-14250	110	13	the	the	DET
cblr-14250	110	14	creation	creation	NOUN
cblr-14250	110	15	of	of	ADP
cblr-14250	110	16	thrift	thrift	NOUN
cblr-14250	110	17	supervision	supervision	NOUN
cblr-14250	110	18	,	,	PUNCT
cblr-14250	110	19	housing	housing	NOUN
cblr-14250	110	20	finance	finance	NOUN
cblr-14250	110	21	supervision	supervision	NOUN
cblr-14250	110	22	,	,	PUNCT
cblr-14250	110	23	and	and	CCONJ
cblr-14250	110	24	supervisory	supervisory	ADJ
cblr-14250	110	25	coordination	coordination	NOUN
cblr-14250	110	26	in	in	ADP
cblr-14250	110	27	the	the	DET
cblr-14250	110	28	1970s	1970	NOUN
cblr-14250	110	29	and	and	CCONJ
cblr-14250	110	30	1980s	1980	NOUN
cblr-14250	110	31	—	—	PUNCT
cblr-14250	110	32	the	the	DET
cblr-14250	110	33	basic	basic	ADJ
cblr-14250	110	34	institutional	institutional	ADJ
cblr-14250	110	35	framework	framework	NOUN
cblr-14250	110	36	did	do	AUX
cblr-14250	110	37	not	not	PART
cblr-14250	110	38	evolve	evolve	VERB
cblr-14250	110	39	much	much	ADV
cblr-14250	110	40	thereafter	thereafter	ADV
cblr-14250	110	41	,	,	PUNCT
cblr-14250	110	42	arguably	arguably	ADV
cblr-14250	110	43	until	until	ADP
cblr-14250	110	44	2008	2008	NUM
cblr-14250	110	45	(	(	PUNCT
cblr-14250	110	46	after	after	ADP
cblr-14250	110	47	which	which	PRON
cblr-14250	110	48	there	there	PRON
cblr-14250	110	49	was	be	VERB
cblr-14250	110	50	substantial	substantial	ADJ
cblr-14250	110	51	institutional	institutional	ADJ
cblr-14250	110	52	evolution	evolution	NOUN
cblr-14250	110	53	)	)	PUNCT
cblr-14250	110	54	.	.	PUNCT
cblr-14250	111	1	following	follow	VERB
cblr-14250	111	2	the	the	DET
cblr-14250	111	3	new	new	ADJ
cblr-14250	111	4	deal	deal	NOUN
cblr-14250	111	5	,	,	PUNCT
cblr-14250	111	6	supervision	supervision	NOUN
cblr-14250	111	7	became	become	VERB
cblr-14250	111	8	the	the	DET
cblr-14250	111	9	adjudicative	adjudicative	ADJ
cblr-14250	111	10	space	space	NOUN
cblr-14250	111	11	between	between	ADP
cblr-14250	111	12	the	the	DET
cblr-14250	111	13	private	private	ADJ
cblr-14250	111	14	-	-	PUNCT
cblr-14250	111	15	sector	sector	NOUN
cblr-14250	111	16	financial	financial	ADJ
cblr-14250	111	17	system	system	NOUN
cblr-14250	111	18	and	and	CCONJ
cblr-14250	111	19	the	the	DET
cblr-14250	111	20	public	public	ADJ
cblr-14250	111	21	-	-	PUNCT
cblr-14250	111	22	sector	sector	NOUN
cblr-14250	111	23	risk	risk	NOUN
cblr-14250	111	24	managers	manager	NOUN
cblr-14250	111	25	within	within	ADP
cblr-14250	111	26	government	government	NOUN
cblr-14250	111	27	.	.	PUNCT
cblr-14250	112	1	besides	besides	SCONJ
cblr-14250	112	2	the	the	DET
cblr-14250	112	3	clarity	clarity	NOUN
cblr-14250	112	4	that	that	PRON
cblr-14250	112	5	this	this	DET
cblr-14250	112	6	account	account	NOUN
cblr-14250	112	7	of	of	ADP
cblr-14250	112	8	supervision	supervision	NOUN
cblr-14250	112	9	offers	offer	VERB
cblr-14250	112	10	for	for	ADP
cblr-14250	112	11	our	our	PRON
cblr-14250	112	12	understanding	understanding	NOUN
cblr-14250	112	13	of	of	ADP
cblr-14250	112	14	history	history	NOUN
cblr-14250	112	15	,	,	PUNCT
cblr-14250	112	16	it	it	PRON
cblr-14250	112	17	also	also	ADV
cblr-14250	112	18	informs	inform	VERB
cblr-14250	112	19	a	a	DET
cblr-14250	112	20	variety	variety	NOUN
cblr-14250	112	21	of	of	ADP
cblr-14250	112	22	contemporary	contemporary	ADJ
cblr-14250	112	23	debates	debate	NOUN
cblr-14250	112	24	.	.	PUNCT
cblr-14250	113	1	this	this	DET
cblr-14250	113	2	article	article	NOUN
cblr-14250	113	3	discusses	discuss	VERB
cblr-14250	113	4	three	three	NUM
cblr-14250	113	5	specifically	specifically	ADV
cblr-14250	113	6	:	:	PUNCT
cblr-14250	113	7	(	(	PUNCT
cblr-14250	113	8	1	1	X
cblr-14250	113	9	)	)	PUNCT
cblr-14250	113	10	the	the	DET
cblr-14250	113	11	debates	debate	NOUN
cblr-14250	113	12	about	about	ADP
cblr-14250	113	13	whether	whether	SCONJ
cblr-14250	113	14	and	and	CCONJ
cblr-14250	113	15	how	how	SCONJ
cblr-14250	113	16	federal	federal	ADJ
cblr-14250	113	17	17	17	NUM
cblr-14250	113	18	we	we	PRON
cblr-14250	113	19	develop	develop	VERB
cblr-14250	113	20	that	that	DET
cblr-14250	113	21	narrative	narrative	NOUN
cblr-14250	113	22	historical	historical	ADJ
cblr-14250	113	23	account	account	NOUN
cblr-14250	113	24	in	in	ADP
cblr-14250	113	25	peter	peter	PROPN
cblr-14250	113	26	conti	conti	PROPN
cblr-14250	113	27	-	-	PROPN
cblr-14250	113	28	brown	brown	ADJ
cblr-14250	113	29	&	&	CCONJ
cblr-14250	113	30	sean	sean	PROPN
cblr-14250	113	31	vanatta	vanatta	PROPN
cblr-14250	113	32	,	,	PUNCT
cblr-14250	113	33	the	the	DET
cblr-14250	113	34	logic	logic	NOUN
cblr-14250	113	35	and	and	CCONJ
cblr-14250	113	36	legitimacy	legitimacy	NOUN
cblr-14250	113	37	of	of	ADP
cblr-14250	113	38	bank	bank	NOUN
cblr-14250	113	39	supervision	supervision	NOUN
cblr-14250	113	40	:	:	PUNCT
cblr-14250	113	41	the	the	DET
cblr-14250	113	42	case	case	NOUN
cblr-14250	113	43	of	of	ADP
cblr-14250	113	44	the	the	DET
cblr-14250	113	45	bank	bank	NOUN
cblr-14250	113	46	holiday	holiday	NOUN
cblr-14250	113	47	of	of	ADP
cblr-14250	113	48	1933	1933	NUM
cblr-14250	113	49	,	,	PUNCT
cblr-14250	113	50	95	95	NUM
cblr-14250	113	51	bus	bus	NOUN
cblr-14250	113	52	.	.	PUNCT
cblr-14250	114	1	hist	hist	PROPN
cblr-14250	114	2	.	.	PUNCT
cblr-14250	115	1	rev	rev	PROPN
cblr-14250	115	2	.	.	PROPN
cblr-14250	115	3	87	87	NUM
cblr-14250	115	4	(	(	PUNCT
cblr-14250	115	5	2021	2021	NUM
cblr-14250	115	6	)	)	PUNCT
cblr-14250	115	7	.	.	PUNCT
cblr-14250	116	1	we	we	PRON
cblr-14250	116	2	are	be	AUX
cblr-14250	116	3	responding	respond	VERB
cblr-14250	116	4	to	to	ADP
cblr-14250	116	5	the	the	DET
cblr-14250	116	6	primary	primary	ADJ
cblr-14250	116	7	narratives	narrative	NOUN
cblr-14250	116	8	of	of	ADP
cblr-14250	116	9	the	the	DET
cblr-14250	116	10	holiday	holiday	NOUN
cblr-14250	116	11	discussed	discuss	VERB
cblr-14250	116	12	in	in	ADP
cblr-14250	116	13	ben	ben	PROPN
cblr-14250	116	14	s.	s.	PROPN
cblr-14250	116	15	bernanke	bernanke	PROPN
cblr-14250	116	16	,	,	PUNCT
cblr-14250	116	17	nonmonetary	nonmonetary	ADJ
cblr-14250	116	18	effects	effect	NOUN
cblr-14250	116	19	of	of	ADP
cblr-14250	116	20	the	the	DET
cblr-14250	116	21	financial	financial	ADJ
cblr-14250	116	22	crisis	crisis	NOUN
cblr-14250	116	23	in	in	ADP
cblr-14250	116	24	the	the	DET
cblr-14250	116	25	propagation	propagation	NOUN
cblr-14250	116	26	of	of	ADP
cblr-14250	116	27	the	the	DET
cblr-14250	116	28	great	great	ADJ
cblr-14250	116	29	depression	depression	NOUN
cblr-14250	116	30	,	,	PUNCT
cblr-14250	116	31	73	73	NUM
cblr-14250	116	32	am	am	NOUN
cblr-14250	116	33	.	.	PUNCT
cblr-14250	117	1	econ	econ	PROPN
cblr-14250	117	2	.	.	PUNCT
cblr-14250	118	1	rev	rev	PROPN
cblr-14250	118	2	.	.	PROPN
cblr-14250	118	3	257	257	NUM
cblr-14250	118	4	(	(	PUNCT
cblr-14250	118	5	1983	1983	NUM
cblr-14250	118	6	)	)	PUNCT
cblr-14250	118	7	and	and	CCONJ
cblr-14250	118	8	barry	barry	PROPN
cblr-14250	118	9	eichengreen	eichengreen	PROPN
cblr-14250	118	10	,	,	PUNCT
cblr-14250	118	11	hall	hall	NOUN
cblr-14250	118	12	of	of	ADP
cblr-14250	118	13	mirrors	mirror	NOUN
cblr-14250	118	14	:	:	PUNCT
cblr-14250	118	15	the	the	DET
cblr-14250	118	16	great	great	ADJ
cblr-14250	118	17	depression	depression	NOUN
cblr-14250	118	18	,	,	PUNCT
cblr-14250	118	19	the	the	DET
cblr-14250	118	20	great	great	ADJ
cblr-14250	118	21	recession	recession	NOUN
cblr-14250	118	22	,	,	PUNCT
cblr-14250	118	23	and	and	CCONJ
cblr-14250	118	24	the	the	DET
cblr-14250	118	25	usesand	usesand	NOUN
cblr-14250	118	26	-	-	PUNCT
cblr-14250	118	27	misuses	misuse	NOUN
cblr-14250	118	28	of	of	ADP
cblr-14250	118	29	history	history	NOUN
cblr-14250	118	30	296	296	NUM
cblr-14250	118	31	(	(	PUNCT
cblr-14250	118	32	2015	2015	NUM
cblr-14250	118	33	)	)	PUNCT
cblr-14250	118	34	.	.	PUNCT
cblr-14250	119	1	no	no	INTJ
cblr-14250	119	2	.	.	NOUN
cblr-14250	119	3	1	1	NUM
cblr-14250	119	4	]	]	PUNCT
cblr-14250	119	5	risk	risk	NOUN
cblr-14250	119	6	,	,	PUNCT
cblr-14250	119	7	discretion	discretion	NOUN
cblr-14250	119	8	,	,	PUNCT
cblr-14250	119	9	and	and	CCONJ
cblr-14250	119	10	bank	bank	NOUN
cblr-14250	119	11	supervision	supervision	NOUN
cblr-14250	119	12	139	139	NUM
cblr-14250	119	13	supervisors	supervisor	NOUN
cblr-14250	119	14	should	should	AUX
cblr-14250	119	15	evaluate	evaluate	VERB
cblr-14250	119	16	climate	climate	NOUN
cblr-14250	119	17	-	-	PUNCT
cblr-14250	119	18	related	relate	VERB
cblr-14250	119	19	risks	risk	NOUN
cblr-14250	119	20	,	,	PUNCT
cblr-14250	119	21	(	(	PUNCT
cblr-14250	119	22	2	2	X
cblr-14250	119	23	)	)	PUNCT
cblr-14250	119	24	the	the	DET
cblr-14250	119	25	appropriate	appropriate	ADJ
cblr-14250	119	26	scope	scope	NOUN
cblr-14250	119	27	and	and	CCONJ
cblr-14250	119	28	content	content	NOUN
cblr-14250	119	29	of	of	ADP
cblr-14250	119	30	federal	federal	ADJ
cblr-14250	119	31	bank	bank	PROPN
cblr-14250	119	32	merger	merger	NOUN
cblr-14250	119	33	policy	policy	NOUN
cblr-14250	119	34	,	,	PUNCT
cblr-14250	119	35	and	and	CCONJ
cblr-14250	119	36	(	(	PUNCT
cblr-14250	119	37	3	3	X
cblr-14250	119	38	)	)	PUNCT
cblr-14250	119	39	the	the	DET
cblr-14250	119	40	appropriateness	appropriateness	NOUN
cblr-14250	119	41	of	of	ADP
cblr-14250	119	42	expanding	expand	VERB
cblr-14250	119	43	deposit	deposit	NOUN
cblr-14250	119	44	insurance	insurance	NOUN
cblr-14250	119	45	coverage	coverage	NOUN
cblr-14250	119	46	.	.	PUNCT
cblr-14250	120	1	a	a	DET
cblr-14250	120	2	view	view	NOUN
cblr-14250	120	3	of	of	ADP
cblr-14250	120	4	supervision	supervision	NOUN
cblr-14250	120	5	as	as	ADP
cblr-14250	120	6	compliance	compliance	NOUN
cblr-14250	120	7	or	or	CCONJ
cblr-14250	120	8	serving	serve	VERB
cblr-14250	120	9	a	a	DET
cblr-14250	120	10	monetary	monetary	ADJ
cblr-14250	120	11	function	function	NOUN
cblr-14250	120	12	can	can	AUX
cblr-14250	120	13	not	not	PART
cblr-14250	120	14	provide	provide	VERB
cblr-14250	120	15	much	much	ADJ
cblr-14250	120	16	insight	insight	NOUN
cblr-14250	120	17	into	into	ADP
cblr-14250	120	18	these	these	DET
cblr-14250	120	19	questions	question	NOUN
cblr-14250	120	20	;	;	PUNCT
cblr-14250	120	21	supervision	supervision	NOUN
cblr-14250	120	22	as	as	ADP
cblr-14250	120	23	the	the	DET
cblr-14250	120	24	adjudication	adjudication	NOUN
cblr-14250	120	25	between	between	ADP
cblr-14250	120	26	public	public	ADJ
cblr-14250	120	27	and	and	CCONJ
cblr-14250	120	28	private	private	ADJ
cblr-14250	120	29	risk	risk	NOUN
cblr-14250	120	30	management	management	NOUN
cblr-14250	120	31	,	,	PUNCT
cblr-14250	120	32	between	between	ADP
cblr-14250	120	33	rules	rule	NOUN
cblr-14250	120	34	and	and	CCONJ
cblr-14250	120	35	discretion	discretion	NOUN
cblr-14250	120	36	,	,	PUNCT
cblr-14250	120	37	can	can	AUX
cblr-14250	120	38	.	.	PUNCT
cblr-14250	121	1	this	this	DET
cblr-14250	121	2	conception	conception	NOUN
cblr-14250	121	3	of	of	ADP
cblr-14250	121	4	state	state	NOUN
cblr-14250	121	5	capacity	capacity	NOUN
cblr-14250	121	6	and	and	CCONJ
cblr-14250	121	7	bank	bank	NOUN
cblr-14250	121	8	supervision	supervision	NOUN
cblr-14250	121	9	also	also	ADV
cblr-14250	121	10	informs	inform	VERB
cblr-14250	121	11	how	how	SCONJ
cblr-14250	121	12	we	we	PRON
cblr-14250	121	13	should	should	AUX
cblr-14250	121	14	think	think	VERB
cblr-14250	121	15	about	about	ADP
cblr-14250	121	16	government	government	NOUN
cblr-14250	121	17	power	power	NOUN
cblr-14250	121	18	in	in	ADP
cblr-14250	121	19	a	a	DET
cblr-14250	121	20	world	world	NOUN
cblr-14250	121	21	after	after	ADP
cblr-14250	121	22	the	the	DET
cblr-14250	121	23	judicial	judicial	ADJ
cblr-14250	121	24	elimination	elimination	NOUN
cblr-14250	121	25	of	of	ADP
cblr-14250	121	26	chevron	chevron	NOUN
cblr-14250	121	27	deference.18	deference.18	NOUN
cblr-14250	121	28	importantly	importantly	ADV
cblr-14250	121	29	,	,	PUNCT
cblr-14250	121	30	that	that	DET
cblr-14250	121	31	deference	deference	NOUN
cblr-14250	121	32	was	be	AUX
cblr-14250	121	33	a	a	DET
cblr-14250	121	34	canon	canon	NOUN
cblr-14250	121	35	of	of	ADP
cblr-14250	121	36	statutory	statutory	ADJ
cblr-14250	121	37	interpretation	interpretation	NOUN
cblr-14250	121	38	to	to	PART
cblr-14250	121	39	restrain	restrain	VERB
cblr-14250	121	40	courts	court	NOUN
cblr-14250	121	41	from	from	ADP
cblr-14250	121	42	evaluating	evaluate	VERB
cblr-14250	121	43	administrative	administrative	ADJ
cblr-14250	121	44	interpretations	interpretation	NOUN
cblr-14250	121	45	of	of	ADP
cblr-14250	121	46	congressional	congressional	ADJ
cblr-14250	121	47	intent19	intent19	ADJ
cblr-14250	121	48	bank	bank	NOUN
cblr-14250	121	49	supervision	supervision	NOUN
cblr-14250	121	50	,	,	PUNCT
cblr-14250	121	51	particularly	particularly	ADV
cblr-14250	121	52	in	in	ADP
cblr-14250	121	53	the	the	DET
cblr-14250	121	54	ways	way	NOUN
cblr-14250	121	55	we	we	PRON
cblr-14250	121	56	describe	describe	VERB
cblr-14250	121	57	here	here	ADV
cblr-14250	121	58	,	,	PUNCT
cblr-14250	121	59	is	be	AUX
cblr-14250	121	60	about	about	ADP
cblr-14250	121	61	the	the	DET
cblr-14250	121	62	use	use	NOUN
cblr-14250	121	63	of	of	ADP
cblr-14250	121	64	discretionary	discretionary	ADJ
cblr-14250	121	65	judgment	judgment	NOUN
cblr-14250	121	66	the	the	DET
cblr-14250	121	67	exercise	exercise	NOUN
cblr-14250	121	68	of	of	ADP
cblr-14250	121	69	which	which	PRON
cblr-14250	121	70	congress	congress	PROPN
cblr-14250	121	71	has	have	AUX
cblr-14250	121	72	given	give	VERB
cblr-14250	121	73	to	to	ADP
cblr-14250	121	74	supervisors	supervisor	NOUN
cblr-14250	121	75	,	,	PUNCT
cblr-14250	121	76	mostly	mostly	ADV
cblr-14250	121	77	in	in	ADP
cblr-14250	121	78	secret	secret	ADJ
cblr-14250	121	79	,	,	PUNCT
cblr-14250	121	80	with	with	ADP
cblr-14250	121	81	few	few	ADJ
cblr-14250	121	82	restrictions	restriction	NOUN
cblr-14250	121	83	for	for	ADP
cblr-14250	121	84	over	over	ADP
cblr-14250	121	85	160	160	NUM
cblr-14250	121	86	years	year	NOUN
cblr-14250	121	87	.	.	PUNCT
cblr-14250	122	1	in	in	ADP
cblr-14250	122	2	presenting	present	VERB
cblr-14250	122	3	these	these	DET
cblr-14250	122	4	arguments	argument	NOUN
cblr-14250	122	5	,	,	PUNCT
cblr-14250	122	6	we	we	PRON
cblr-14250	122	7	join	join	VERB
cblr-14250	122	8	an	an	DET
cblr-14250	122	9	increasingly	increasingly	ADV
cblr-14250	122	10	sophisticated	sophisticated	ADJ
cblr-14250	122	11	theoretical	theoretical	ADJ
cblr-14250	122	12	and	and	CCONJ
cblr-14250	122	13	historical	historical	ADJ
cblr-14250	122	14	conversation	conversation	NOUN
cblr-14250	122	15	on	on	ADP
cblr-14250	122	16	the	the	DET
cblr-14250	122	17	meaning	meaning	NOUN
cblr-14250	122	18	of	of	ADP
cblr-14250	122	19	bank	bank	NOUN
cblr-14250	122	20	supervision	supervision	NOUN
cblr-14250	122	21	,	,	PUNCT
cblr-14250	122	22	a	a	DET
cblr-14250	122	23	very	very	ADV
cblr-14250	122	24	old	old	ADJ
cblr-14250	122	25	intellectual	intellectual	ADJ
cblr-14250	122	26	effort	effort	NOUN
cblr-14250	122	27	that	that	PRON
cblr-14250	122	28	has	have	AUX
cblr-14250	122	29	received	receive	VERB
cblr-14250	122	30	new	new	ADJ
cblr-14250	122	31	life	life	NOUN
cblr-14250	122	32	following	follow	VERB
cblr-14250	122	33	the	the	DET
cblr-14250	122	34	2008	2008	NUM
cblr-14250	122	35	financial	financial	ADJ
cblr-14250	122	36	crisis.18	crisis.18	NOUN
cblr-14250	122	37	where	where	SCONJ
cblr-14250	122	38	we	we	PRON
cblr-14250	122	39	build	build	VERB
cblr-14250	122	40	on	on	ADP
cblr-14250	122	41	this	this	DET
cblr-14250	122	42	literature	literature	NOUN
cblr-14250	122	43	is	be	AUX
cblr-14250	122	44	to	to	PART
cblr-14250	122	45	present	present	VERB
cblr-14250	122	46	bank	bank	NOUN
cblr-14250	122	47	supervision	supervision	NOUN
cblr-14250	122	48	as	as	ADP
cblr-14250	122	49	a	a	DET
cblr-14250	122	50	separate	separate	ADJ
cblr-14250	122	51	field	field	NOUN
cblr-14250	122	52	for	for	ADP
cblr-14250	122	53	resolving	resolve	VERB
cblr-14250	122	54	policy	policy	NOUN
cblr-14250	122	55	disputes	dispute	NOUN
cblr-14250	122	56	,	,	PUNCT
cblr-14250	122	57	not	not	PART
cblr-14250	122	58	as	as	ADP
cblr-14250	122	59	systematic	systematic	ADJ
cblr-14250	122	60	resolution	resolution	NOUN
cblr-14250	122	61	in	in	ADP
cblr-14250	122	62	its	its	PRON
cblr-14250	122	63	own	own	ADJ
cblr-14250	122	64	right	right	NOUN
cblr-14250	122	65	.	.	PUNCT
cblr-14250	123	1	this	this	DET
cblr-14250	123	2	conceptual	conceptual	ADJ
cblr-14250	123	3	shift	shift	NOUN
cblr-14250	123	4	allows	allow	VERB
cblr-14250	123	5	us	we	PRON
cblr-14250	123	6	to	to	PART
cblr-14250	123	7	cast	cast	VERB
cblr-14250	123	8	additional	additional	ADJ
cblr-14250	123	9	light	light	NOUN
cblr-14250	123	10	on	on	ADP
cblr-14250	123	11	the	the	DET
cblr-14250	123	12	policy	policy	NOUN
cblr-14250	123	13	maneuvers	maneuver	NOUN
cblr-14250	123	14	that	that	PRON
cblr-14250	123	15	would	would	AUX
cblr-14250	123	16	otherwise	otherwise	ADV
cblr-14250	123	17	remain	remain	VERB
cblr-14250	123	18	firmly	firmly	ADV
cblr-14250	123	19	out	out	ADP
cblr-14250	123	20	of	of	ADP
cblr-14250	123	21	sight	sight	NOUN
cblr-14250	123	22	.	.	PUNCT
cblr-14250	124	1	18	18	NUM
cblr-14250	124	2	see	see	VERB
cblr-14250	124	3	loper	loper	PROPN
cblr-14250	124	4	bright	bright	ADJ
cblr-14250	124	5	enters	enter	NOUN
cblr-14250	124	6	.	.	PUNCT
cblr-14250	125	1	v.	v.	ADP
cblr-14250	125	2	raimando	raimando	NOUN
cblr-14250	125	3	,	,	PUNCT
cblr-14250	125	4	603	603	NUM
cblr-14250	125	5	u.s	u.s	PROPN
cblr-14250	125	6	.	.	PROPN
cblr-14250	125	7	369	369	NUM
cblr-14250	125	8	(	(	PUNCT
cblr-14250	125	9	2024	2024	NUM
cblr-14250	125	10	)	)	PUNCT
cblr-14250	125	11	.	.	PUNCT
cblr-14250	126	1	19	19	NUM
cblr-14250	126	2	see	see	VERB
cblr-14250	126	3	,	,	PUNCT
cblr-14250	126	4	e.g.	e.g.	ADV
cblr-14250	126	5	,	,	PUNCT
cblr-14250	126	6	g.	g.	PROPN
cblr-14250	126	7	l.	l.	PROPN
cblr-14250	126	8	bach	bach	PROPN
cblr-14250	126	9	,	,	PUNCT
cblr-14250	126	10	bank	bank	NOUN
cblr-14250	126	11	supervision	supervision	NOUN
cblr-14250	126	12	,	,	PUNCT
cblr-14250	126	13	monetary	monetary	ADJ
cblr-14250	126	14	policy	policy	NOUN
cblr-14250	126	15	,	,	PUNCT
cblr-14250	126	16	and	and	CCONJ
cblr-14250	126	17	governmental	governmental	ADJ
cblr-14250	126	18	reorganization	reorganization	NOUN
cblr-14250	126	19	,	,	PUNCT
cblr-14250	126	20	4	4	NUM
cblr-14250	126	21	j.	j.	PROPN
cblr-14250	126	22	finance	finance	PROPN
cblr-14250	126	23	269	269	NUM
cblr-14250	126	24	(	(	PUNCT
cblr-14250	126	25	1949	1949	NUM
cblr-14250	126	26	)	)	PUNCT
cblr-14250	126	27	;	;	PUNCT
cblr-14250	126	28	g.	g.	PROPN
cblr-14250	126	29	l.	l.	PROPN
cblr-14250	126	30	bach	bach	PROPN
cblr-14250	126	31	,	,	PUNCT
cblr-14250	126	32	a	a	DET
cblr-14250	126	33	further	further	ADJ
cblr-14250	126	34	note	note	NOUN
cblr-14250	126	35	on	on	ADP
cblr-14250	126	36	bank	bank	NOUN
cblr-14250	126	37	supervision	supervision	NOUN
cblr-14250	126	38	and	and	CCONJ
cblr-14250	126	39	monetary	monetary	ADJ
cblr-14250	126	40	policy	policy	NOUN
cblr-14250	126	41	,	,	PUNCT
cblr-14250	126	42	5	5	NUM
cblr-14250	126	43	j.	j.	PROPN
cblr-14250	126	44	finance	finance	PROPN
cblr-14250	126	45	421(1950	421(1950	PROPN
cblr-14250	126	46	)	)	PUNCT
cblr-14250	126	47	;	;	PUNCT
cblr-14250	126	48	julie	julie	PROPN
cblr-14250	126	49	dickson	dickson	PROPN
cblr-14250	126	50	,	,	PUNCT
cblr-14250	126	51	too	too	ADV
cblr-14250	126	52	focused	focused	ADJ
cblr-14250	126	53	on	on	ADP
cblr-14250	126	54	the	the	DET
cblr-14250	126	55	rules	rule	NOUN
cblr-14250	126	56	:	:	PUNCT
cblr-14250	126	57	the	the	DET
cblr-14250	126	58	importance	importance	NOUN
cblr-14250	126	59	of	of	ADP
cblr-14250	126	60	supervisory	supervisory	ADJ
cblr-14250	126	61	oversight	oversight	NOUN
cblr-14250	126	62	in	in	ADP
cblr-14250	126	63	financial	financial	ADJ
cblr-14250	126	64	regulation	regulation	NOUN
cblr-14250	126	65	,	,	PUNCT
cblr-14250	126	66	18	18	NUM
cblr-14250	126	67	cardozo	cardozo	PROPN
cblr-14250	126	68	j.	j.	PROPN
cblr-14250	126	69	int’l	int’l	PROPN
cblr-14250	126	70	&	&	CCONJ
cblr-14250	126	71	comp	comp	PROPN
cblr-14250	126	72	.	.	PUNCT
cblr-14250	127	1	l.	l.	PROPN
cblr-14250	127	2	623	623	NUM
cblr-14250	127	3	(	(	PUNCT
cblr-14250	127	4	2010	2010	NUM
cblr-14250	127	5	)	)	PUNCT
cblr-14250	127	6	;	;	PUNCT
cblr-14250	127	7	lev	lev	NOUN
cblr-14250	127	8	menand	menand	PROPN
cblr-14250	127	9	,	,	PUNCT
cblr-14250	127	10	too	too	ADV
cblr-14250	127	11	big	big	ADJ
cblr-14250	127	12	to	to	PART
cblr-14250	127	13	supervise	supervise	VERB
cblr-14250	127	14	:	:	PUNCT
cblr-14250	127	15	the	the	DET
cblr-14250	127	16	rise	rise	NOUN
cblr-14250	127	17	of	of	ADP
cblr-14250	127	18	financial	financial	ADJ
cblr-14250	127	19	conglomerates	conglomerate	NOUN
cblr-14250	127	20	and	and	CCONJ
cblr-14250	127	21	the	the	DET
cblr-14250	127	22	decline	decline	NOUN
cblr-14250	127	23	of	of	ADP
cblr-14250	127	24	discretionary	discretionary	ADJ
cblr-14250	127	25	oversight	oversight	NOUN
cblr-14250	127	26	in	in	ADP
cblr-14250	127	27	banking	banking	NOUN
cblr-14250	127	28	,	,	PUNCT
cblr-14250	127	29	103	103	NUM
cblr-14250	127	30	cornell	cornell	PROPN
cblr-14250	127	31	l.	l.	PROPN
cblr-14250	127	32	rev	rev	PROPN
cblr-14250	127	33	.	.	PROPN
cblr-14250	127	34	1527	1527	NUM
cblr-14250	127	35	(	(	PUNCT
cblr-14250	127	36	2019	2019	NUM
cblr-14250	127	37	)	)	PUNCT
cblr-14250	127	38	;	;	PUNCT
cblr-14250	127	39	menand	menand	PROPN
cblr-14250	127	40	,	,	PUNCT
cblr-14250	127	41	why	why	SCONJ
cblr-14250	127	42	supervise	supervise	VERB
cblr-14250	127	43	banks	bank	NOUN
cblr-14250	127	44	,	,	PUNCT
cblr-14250	127	45	supra	supra	PROPN
cblr-14250	127	46	note	note	PROPN
cblr-14250	127	47	7	7	NUM
cblr-14250	127	48	;	;	PUNCT
cblr-14250	127	49	van	van	PROPN
cblr-14250	127	50	loo	loo	PROPN
cblr-14250	127	51	,	,	PUNCT
cblr-14250	127	52	supra	supra	PROPN
cblr-14250	127	53	note	note	PROPN
cblr-14250	127	54	11	11	NUM
cblr-14250	127	55	.	.	PUNCT
cblr-14250	128	1	this	this	DET
cblr-14250	128	2	literature	literature	NOUN
cblr-14250	128	3	is	be	AUX
cblr-14250	128	4	usefully	usefully	ADV
cblr-14250	128	5	summarized	summarize	VERB
cblr-14250	128	6	in	in	ADP
cblr-14250	128	7	hill	hill	PROPN
cblr-14250	128	8	,	,	PUNCT
cblr-14250	128	9	supra	supra	PROPN
cblr-14250	128	10	note	note	PROPN
cblr-14250	128	11	6	6	NUM
cblr-14250	128	12	;	;	PUNCT
cblr-14250	128	13	hirtle	hirtle	NOUN
cblr-14250	128	14	&	&	CCONJ
cblr-14250	128	15	kovner	kovner	NOUN
cblr-14250	128	16	,	,	PUNCT
cblr-14250	128	17	supra	supra	PROPN
cblr-14250	128	18	note	note	PROPN
cblr-14250	128	19	6	6	NUM
cblr-14250	128	20	;	;	PUNCT
cblr-14250	128	21	and	and	CCONJ
cblr-14250	128	22	vanatta	vanatta	ADJ
cblr-14250	128	23	,	,	PUNCT
cblr-14250	128	24	supra	supra	PROPN
cblr-14250	128	25	note	note	NOUN
cblr-14250	128	26	6	6	NUM
cblr-14250	128	27	.	.	SYM
cblr-14250	128	28	140	140	NUM
cblr-14250	128	29	columbia	columbia	PROPN
cblr-14250	128	30	business	business	NOUN
cblr-14250	128	31	law	law	PROPN
cblr-14250	128	32	review	review	NOUN
cblr-14250	129	1	[	[	X
cblr-14250	129	2	vol	vol	NOUN
cblr-14250	129	3	.	.	PUNCT
cblr-14250	129	4	2025	2025	NUM
cblr-14250	129	5	the	the	DET
cblr-14250	129	6	remainder	remainder	NOUN
cblr-14250	129	7	of	of	ADP
cblr-14250	129	8	this	this	DET
cblr-14250	129	9	article	article	NOUN
cblr-14250	129	10	proceeds	proceed	VERB
cblr-14250	129	11	as	as	SCONJ
cblr-14250	129	12	follows	follow	VERB
cblr-14250	129	13	:	:	PUNCT
cblr-14250	129	14	part	part	NOUN
cblr-14250	129	15	i	i	PRON
cblr-14250	129	16	outlines	outline	VERB
cblr-14250	129	17	the	the	DET
cblr-14250	129	18	framework	framework	NOUN
cblr-14250	129	19	of	of	ADP
cblr-14250	129	20	public	public	ADJ
cblr-14250	129	21	-	-	PUNCT
cblr-14250	129	22	private	private	ADJ
cblr-14250	129	23	supervision	supervision	NOUN
cblr-14250	129	24	more	more	ADV
cblr-14250	129	25	thoroughly	thoroughly	ADV
cblr-14250	129	26	,	,	PUNCT
cblr-14250	129	27	including	include	VERB
cblr-14250	129	28	where	where	SCONJ
cblr-14250	129	29	that	that	DET
cblr-14250	129	30	theory	theory	NOUN
cblr-14250	129	31	departs	depart	VERB
cblr-14250	129	32	from	from	ADP
cblr-14250	129	33	other	other	ADJ
cblr-14250	129	34	conceptions	conception	NOUN
cblr-14250	129	35	about	about	ADP
cblr-14250	129	36	regulation	regulation	NOUN
cblr-14250	129	37	,	,	PUNCT
cblr-14250	129	38	discretion	discretion	NOUN
cblr-14250	129	39	,	,	PUNCT
cblr-14250	129	40	and	and	CCONJ
cblr-14250	129	41	the	the	DET
cblr-14250	129	42	rule	rule	NOUN
cblr-14250	129	43	of	of	ADP
cblr-14250	129	44	law	law	NOUN
cblr-14250	129	45	.	.	PUNCT
cblr-14250	130	1	part	part	PROPN
cblr-14250	130	2	ii	ii	PROPN
cblr-14250	130	3	explains	explain	VERB
cblr-14250	130	4	the	the	DET
cblr-14250	130	5	history	history	NOUN
cblr-14250	130	6	of	of	ADP
cblr-14250	130	7	federal	federal	ADJ
cblr-14250	130	8	supervision	supervision	NOUN
cblr-14250	130	9	from	from	ADP
cblr-14250	130	10	its	its	PRON
cblr-14250	130	11	antecedents	antecedent	NOUN
cblr-14250	130	12	in	in	ADP
cblr-14250	130	13	the	the	DET
cblr-14250	130	14	antebellum	antebellum	ADJ
cblr-14250	130	15	era	era	NOUN
cblr-14250	130	16	,	,	PUNCT
cblr-14250	130	17	to	to	ADP
cblr-14250	130	18	its	its	PRON
cblr-14250	130	19	tenuous	tenuous	ADJ
cblr-14250	130	20	founding	founding	NOUN
cblr-14250	130	21	in	in	ADP
cblr-14250	130	22	the	the	DET
cblr-14250	130	23	national	national	ADJ
cblr-14250	130	24	banking	banking	NOUN
cblr-14250	130	25	acts	act	NOUN
cblr-14250	130	26	of	of	ADP
cblr-14250	130	27	1863	1863	NUM
cblr-14250	130	28	and	and	CCONJ
cblr-14250	130	29	1864	1864	NUM
cblr-14250	130	30	,	,	PUNCT
cblr-14250	130	31	and	and	CCONJ
cblr-14250	130	32	through	through	ADP
cblr-14250	130	33	the	the	DET
cblr-14250	130	34	new	new	ADJ
cblr-14250	130	35	deal	deal	NOUN
cblr-14250	130	36	,	,	PUNCT
cblr-14250	130	37	when	when	SCONJ
cblr-14250	130	38	the	the	DET
cblr-14250	130	39	institutional	institutional	ADJ
cblr-14250	130	40	framework	framework	NOUN
cblr-14250	130	41	for	for	ADP
cblr-14250	130	42	risk	risk	NOUN
cblr-14250	130	43	management	management	NOUN
cblr-14250	130	44	became	become	VERB
cblr-14250	130	45	more	more	ADV
cblr-14250	130	46	concrete	concrete	ADJ
cblr-14250	130	47	.	.	PUNCT
cblr-14250	131	1	part	part	NOUN
cblr-14250	131	2	iii	iii	PROPN
cblr-14250	131	3	discusses	discuss	VERB
cblr-14250	131	4	the	the	DET
cblr-14250	131	5	evolutionary	evolutionary	ADJ
cblr-14250	131	6	process	process	NOUN
cblr-14250	131	7	whereby	whereby	SCONJ
cblr-14250	131	8	supervision	supervision	NOUN
cblr-14250	131	9	became	become	VERB
cblr-14250	131	10	a	a	DET
cblr-14250	131	11	much	much	ADV
cblr-14250	131	12	more	more	ADV
cblr-14250	131	13	expansive	expansive	ADJ
cblr-14250	131	14	,	,	PUNCT
cblr-14250	131	15	and	and	CCONJ
cblr-14250	131	16	much	much	ADV
cblr-14250	131	17	more	more	ADV
cblr-14250	131	18	disputed	disputed	ADJ
cblr-14250	131	19	,	,	PUNCT
cblr-14250	131	20	mechanism	mechanism	NOUN
cblr-14250	131	21	of	of	ADP
cblr-14250	131	22	government	government	NOUN
cblr-14250	131	23	power	power	NOUN
cblr-14250	131	24	,	,	PUNCT
cblr-14250	131	25	with	with	ADP
cblr-14250	131	26	the	the	DET
cblr-14250	131	27	addition	addition	NOUN
cblr-14250	131	28	of	of	ADP
cblr-14250	131	29	consumer	consumer	NOUN
cblr-14250	131	30	financial	financial	ADJ
cblr-14250	131	31	protection	protection	NOUN
cblr-14250	131	32	,	,	PUNCT
cblr-14250	131	33	antidiscrimination	antidiscrimination	NOUN
cblr-14250	131	34	,	,	PUNCT
cblr-14250	131	35	and	and	CCONJ
cblr-14250	131	36	community	community	NOUN
cblr-14250	131	37	reinvestment	reinvestment	NOUN
cblr-14250	131	38	.	.	PUNCT
cblr-14250	132	1	part	part	NOUN
cblr-14250	132	2	iv	iv	NUM
cblr-14250	132	3	explains	explain	VERB
cblr-14250	132	4	the	the	DET
cblr-14250	132	5	implications	implication	NOUN
cblr-14250	132	6	of	of	ADP
cblr-14250	132	7	these	these	DET
cblr-14250	132	8	ideas	idea	NOUN
cblr-14250	132	9	for	for	ADP
cblr-14250	132	10	contemporary	contemporary	ADJ
cblr-14250	132	11	debates	debate	NOUN
cblr-14250	132	12	about	about	ADP
cblr-14250	132	13	climate	climate	NOUN
cblr-14250	132	14	change	change	NOUN
cblr-14250	132	15	,	,	PUNCT
cblr-14250	132	16	anti	anti	ADJ
cblr-14250	132	17	-	-	ADJ
cblr-14250	132	18	trust	trust	ADJ
cblr-14250	132	19	policy	policy	NOUN
cblr-14250	132	20	,	,	PUNCT
cblr-14250	132	21	and	and	CCONJ
cblr-14250	132	22	deposit	deposit	NOUN
cblr-14250	132	23	insurance	insurance	NOUN
cblr-14250	132	24	,	,	PUNCT
cblr-14250	132	25	and	and	CCONJ
cblr-14250	132	26	explains	explain	VERB
cblr-14250	132	27	the	the	DET
cblr-14250	132	28	relevance	relevance	NOUN
cblr-14250	132	29	for	for	ADP
cblr-14250	132	30	agencies	agency	NOUN
cblr-14250	132	31	’	'	PUNCT
cblr-14250	132	32	risk	risk	NOUN
cblr-14250	132	33	management	management	NOUN
cblr-14250	132	34	strategies	strategy	NOUN
cblr-14250	132	35	in	in	ADP
cblr-14250	132	36	the	the	DET
cblr-14250	132	37	post	post	ADJ
cblr-14250	132	38	-	-	ADJ
cblr-14250	132	39	chevron	chevron	ADJ
cblr-14250	132	40	era	era	NOUN
cblr-14250	132	41	.	.	PUNCT
cblr-14250	133	1	i.	i.	NOUN
cblr-14250	133	2	what	what	PRON
cblr-14250	133	3	supervision	supervision	NOUN
cblr-14250	133	4	means	mean	VERB
cblr-14250	133	5	a.	a.	NOUN
cblr-14250	133	6	a	a	DET
cblr-14250	133	7	conceptual	conceptual	ADJ
cblr-14250	133	8	overview	overview	NOUN
cblr-14250	133	9	in	in	ADP
cblr-14250	133	10	the	the	DET
cblr-14250	133	11	united	united	PROPN
cblr-14250	133	12	states	states	PROPN
cblr-14250	133	13	,	,	PUNCT
cblr-14250	133	14	supervision	supervision	NOUN
cblr-14250	133	15	is	be	AUX
cblr-14250	133	16	nearly	nearly	ADV
cblr-14250	133	17	as	as	ADV
cblr-14250	133	18	old	old	ADJ
cblr-14250	133	19	as	as	ADP
cblr-14250	133	20	banking	banking	NOUN
cblr-14250	133	21	.	.	PUNCT
cblr-14250	134	1	state	state	NOUN
cblr-14250	134	2	governments	government	NOUN
cblr-14250	134	3	developed	develop	VERB
cblr-14250	134	4	oversight	oversight	NOUN
cblr-14250	134	5	regimes	regime	NOUN
cblr-14250	134	6	in	in	ADP
cblr-14250	134	7	the	the	DET
cblr-14250	134	8	decades	decade	NOUN
cblr-14250	134	9	before	before	ADP
cblr-14250	134	10	the	the	DET
cblr-14250	134	11	civil	civil	ADJ
cblr-14250	134	12	war	war	NOUN
cblr-14250	134	13	,	,	PUNCT
cblr-14250	134	14	and	and	CCONJ
cblr-14250	134	15	the	the	DET
cblr-14250	134	16	federal	federal	ADJ
cblr-14250	134	17	government	government	NOUN
cblr-14250	134	18	has	have	AUX
cblr-14250	134	19	played	play	VERB
cblr-14250	134	20	a	a	DET
cblr-14250	134	21	permanent	permanent	ADJ
cblr-14250	134	22	supervisory	supervisory	ADJ
cblr-14250	134	23	role	role	NOUN
cblr-14250	134	24	since	since	SCONJ
cblr-14250	134	25	that	that	DET
cblr-14250	134	26	conflict	conflict	NOUN
cblr-14250	134	27	.	.	PUNCT
cblr-14250	135	1	in	in	ADP
cblr-14250	135	2	these	these	DET
cblr-14250	135	3	early	early	ADJ
cblr-14250	135	4	frameworks	framework	NOUN
cblr-14250	135	5	for	for	ADP
cblr-14250	135	6	bank	bank	NOUN
cblr-14250	135	7	supervision	supervision	NOUN
cblr-14250	135	8	,	,	PUNCT
cblr-14250	135	9	the	the	DET
cblr-14250	135	10	united	united	PROPN
cblr-14250	135	11	states	states	PROPN
cblr-14250	135	12	is	be	AUX
cblr-14250	135	13	unique	unique	ADJ
cblr-14250	135	14	.	.	PUNCT
cblr-14250	136	1	except	except	SCONJ
cblr-14250	136	2	for	for	ADP
cblr-14250	136	3	sweden	sweden	PROPN
cblr-14250	136	4	(	(	PUNCT
cblr-14250	136	5	in	in	ADP
cblr-14250	136	6	1909	1909	NUM
cblr-14250	136	7	)	)	PUNCT
cblr-14250	136	8	and	and	CCONJ
cblr-14250	136	9	japan	japan	PROPN
cblr-14250	136	10	(	(	PUNCT
cblr-14250	136	11	in	in	ADP
cblr-14250	136	12	1916	1916	NUM
cblr-14250	136	13	)	)	PUNCT
cblr-14250	136	14	,	,	PUNCT
cblr-14250	136	15	most	most	ADV
cblr-14250	136	16	developed	develop	VERB
cblr-14250	136	17	nations	nation	NOUN
cblr-14250	136	18	formalized	formalize	VERB
cblr-14250	136	19	bank	bank	NOUN
cblr-14250	136	20	supervision	supervision	NOUN
cblr-14250	136	21	only	only	ADV
cblr-14250	136	22	after	after	ADP
cblr-14250	136	23	the	the	DET
cblr-14250	136	24	1930s	1930s	NUM
cblr-14250	136	25	banking	banking	NOUN
cblr-14250	136	26	crises	crisis	NOUN
cblr-14250	136	27	,	,	PUNCT
cblr-14250	136	28	sometimes	sometimes	ADV
cblr-14250	136	29	well	well	ADV
cblr-14250	136	30	after.20	after.20	NOUN
cblr-14250	136	31	despite	despite	SCONJ
cblr-14250	136	32	its	its	PRON
cblr-14250	136	33	long	long	ADJ
cblr-14250	136	34	history	history	NOUN
cblr-14250	136	35	in	in	ADP
cblr-14250	136	36	the	the	DET
cblr-14250	136	37	united	united	PROPN
cblr-14250	136	38	states	states	PROPN
cblr-14250	136	39	and	and	CCONJ
cblr-14250	136	40	despite	despite	SCONJ
cblr-14250	136	41	the	the	DET
cblr-14250	136	42	earlier	early	ADJ
cblr-14250	136	43	efforts	effort	NOUN
cblr-14250	136	44	cited	cite	VERB
cblr-14250	136	45	above	above	ADV
cblr-14250	136	46	,	,	PUNCT
cblr-14250	136	47	supervision	supervision	NOUN
cblr-14250	136	48	has	have	AUX
cblr-14250	136	49	not	not	PART
cblr-14250	136	50	long	long	ADV
cblr-14250	136	51	been	be	AUX
cblr-14250	136	52	a	a	DET
cblr-14250	136	53	20	20	NUM
cblr-14250	136	54	see	see	NOUN
cblr-14250	136	55	richard	richard	PROPN
cblr-14250	136	56	s.	s.	PROPN
cblr-14250	136	57	grossman	grossman	PROPN
cblr-14250	136	58	,	,	PUNCT
cblr-14250	136	59	unsettled	unsettled	ADJ
cblr-14250	136	60	account	account	NOUN
cblr-14250	136	61	:	:	PUNCT
cblr-14250	136	62	the	the	DET
cblr-14250	136	63	evolution	evolution	NOUN
cblr-14250	136	64	of	of	ADP
cblr-14250	136	65	banking	banking	NOUN
cblr-14250	136	66	in	in	ADP
cblr-14250	136	67	the	the	DET
cblr-14250	136	68	industrialized	industrialized	ADJ
cblr-14250	136	69	world	world	NOUN
cblr-14250	136	70	since	since	SCONJ
cblr-14250	136	71	1800	1800	NUM
cblr-14250	136	72	,	,	PUNCT
cblr-14250	136	73	at	at	ADP
cblr-14250	136	74	162–67	162–67	NUM
cblr-14250	136	75	,	,	PUNCT
cblr-14250	136	76	221–22	221–22	X
cblr-14250	136	77	(	(	PUNCT
cblr-14250	136	78	2010	2010	NUM
cblr-14250	136	79	)	)	PUNCT
cblr-14250	136	80	;	;	PUNCT
cblr-14250	136	81	eiji	eiji	PROPN
cblr-14250	136	82	hotori	hotori	PROPN
cblr-14250	136	83	&	&	CCONJ
cblr-14250	136	84	mikael	mikael	PROPN
cblr-14250	136	85	wendschlag	wendschlag	PROPN
cblr-14250	136	86	,	,	PUNCT
cblr-14250	136	87	the	the	DET
cblr-14250	136	88	formalization	formalization	NOUN
cblr-14250	136	89	of	of	ADP
cblr-14250	136	90	banking	banking	NOUN
cblr-14250	136	91	supervision	supervision	NOUN
cblr-14250	136	92	no	no	INTJ
cblr-14250	136	93	.	.	NOUN
cblr-14250	136	94	1	1	NUM
cblr-14250	136	95	]	]	PUNCT
cblr-14250	136	96	risk	risk	NOUN
cblr-14250	136	97	,	,	PUNCT
cblr-14250	136	98	discretion	discretion	NOUN
cblr-14250	136	99	,	,	PUNCT
cblr-14250	136	100	and	and	CCONJ
cblr-14250	136	101	bank	bank	NOUN
cblr-14250	136	102	supervision	supervision	NOUN
cblr-14250	136	103	141	141	NUM
cblr-14250	136	104	topic	topic	NOUN
cblr-14250	136	105	for	for	ADP
cblr-14250	136	106	sustained	sustain	VERB
cblr-14250	136	107	scholarly	scholarly	ADJ
cblr-14250	136	108	engagement	engagement	NOUN
cblr-14250	136	109	,	,	PUNCT
cblr-14250	136	110	partly	partly	ADV
cblr-14250	136	111	because	because	SCONJ
cblr-14250	136	112	supervision	supervision	NOUN
cblr-14250	136	113	and	and	CCONJ
cblr-14250	136	114	supervisors	supervisor	NOUN
cblr-14250	136	115	are	be	AUX
cblr-14250	136	116	chameleon	chameleon	NOUN
cblr-14250	136	117	-	-	PUNCT
cblr-14250	136	118	like	like	ADJ
cblr-14250	136	119	.	.	PUNCT
cblr-14250	137	1	supervision	supervision	NOUN
cblr-14250	137	2	resembles	resemble	VERB
cblr-14250	137	3	several	several	ADJ
cblr-14250	137	4	well	well	ADV
cblr-14250	137	5	-	-	PUNCT
cblr-14250	137	6	studied	study	VERB
cblr-14250	137	7	governance	governance	NOUN
cblr-14250	137	8	mechanisms	mechanism	NOUN
cblr-14250	137	9	—	—	PUNCT
cblr-14250	137	10	such	such	ADJ
cblr-14250	137	11	as	as	ADP
cblr-14250	137	12	regulation	regulation	NOUN
cblr-14250	137	13	,	,	PUNCT
cblr-14250	137	14	civil	civil	ADJ
cblr-14250	137	15	and	and	CCONJ
cblr-14250	137	16	criminal	criminal	ADJ
cblr-14250	137	17	litigation	litigation	NOUN
cblr-14250	137	18	,	,	PUNCT
cblr-14250	137	19	selfregulation	selfregulation	NOUN
cblr-14250	137	20	,	,	PUNCT
cblr-14250	137	21	ethics	ethic	NOUN
cblr-14250	137	22	,	,	PUNCT
cblr-14250	137	23	and	and	CCONJ
cblr-14250	137	24	norms	norm	NOUN
cblr-14250	137	25	.	.	PUNCT
cblr-14250	138	1	indeed	indeed	ADV
cblr-14250	138	2	,	,	PUNCT
cblr-14250	138	3	it	it	PRON
cblr-14250	138	4	is	be	AUX
cblr-14250	138	5	sometimes	sometimes	ADV
cblr-14250	138	6	confused	confuse	VERB
cblr-14250	138	7	with	with	ADP
cblr-14250	138	8	them	they	PRON
cblr-14250	138	9	.	.	PUNCT
cblr-14250	139	1	supervision	supervision	NOUN
cblr-14250	139	2	is	be	AUX
cblr-14250	139	3	also	also	ADV
cblr-14250	139	4	in	in	ADP
cblr-14250	139	5	the	the	DET
cblr-14250	139	6	shadows	shadow	NOUN
cblr-14250	139	7	,	,	PUNCT
cblr-14250	139	8	a	a	DET
cblr-14250	139	9	part	part	NOUN
cblr-14250	139	10	of	of	ADP
cblr-14250	139	11	a	a	DET
cblr-14250	139	12	hidden	hide	VERB
cblr-14250	139	13	,	,	PUNCT
cblr-14250	139	14	robust	robust	ADJ
cblr-14250	139	15	regulatory	regulatory	ADJ
cblr-14250	139	16	state	state	NOUN
cblr-14250	139	17	that	that	PRON
cblr-14250	139	18	brian	brian	PROPN
cblr-14250	139	19	balogh	balogh	PROPN
cblr-14250	139	20	called	call	VERB
cblr-14250	139	21	“	"	PUNCT
cblr-14250	139	22	government	government	NOUN
cblr-14250	139	23	out	out	ADP
cblr-14250	139	24	of	of	ADP
cblr-14250	139	25	sight	sight	NOUN
cblr-14250	139	26	.	.	PUNCT
cblr-14250	140	1	”21	”21	ADJ
cblr-14250	141	1	but	but	CCONJ
cblr-14250	141	2	supervisory	supervisory	ADJ
cblr-14250	141	3	invisibility	invisibility	NOUN
cblr-14250	141	4	is	be	AUX
cblr-14250	141	5	no	no	DET
cblr-14250	141	6	curious	curious	ADJ
cblr-14250	141	7	relic	relic	NOUN
cblr-14250	141	8	of	of	ADP
cblr-14250	141	9	the	the	DET
cblr-14250	141	10	nineteenth	nineteenth	ADJ
cblr-14250	141	11	century	century	NOUN
cblr-14250	141	12	.	.	PUNCT
cblr-14250	142	1	by	by	ADP
cblr-14250	142	2	law	law	NOUN
cblr-14250	142	3	in	in	ADP
cblr-14250	142	4	the	the	DET
cblr-14250	142	5	present	present	ADJ
cblr-14250	142	6	day	day	NOUN
cblr-14250	142	7	,	,	PUNCT
cblr-14250	142	8	much	much	ADJ
cblr-14250	142	9	of	of	ADP
cblr-14250	142	10	what	what	PRON
cblr-14250	142	11	supervisors	supervisor	NOUN
cblr-14250	142	12	do	do	AUX
cblr-14250	142	13	is	be	AUX
cblr-14250	142	14	wrapped	wrap	VERB
cblr-14250	142	15	in	in	ADP
cblr-14250	142	16	a	a	DET
cblr-14250	142	17	thick	thick	ADJ
cblr-14250	142	18	cloak	cloak	NOUN
cblr-14250	142	19	of	of	ADP
cblr-14250	142	20	secrecy	secrecy	NOUN
cblr-14250	142	21	under	under	ADP
cblr-14250	142	22	the	the	DET
cblr-14250	142	23	banner	banner	NOUN
cblr-14250	142	24	of	of	ADP
cblr-14250	142	25	“	"	PUNCT
cblr-14250	142	26	confidential	confidential	ADJ
cblr-14250	142	27	supervisory	supervisory	ADJ
cblr-14250	142	28	information	information	NOUN
cblr-14250	142	29	,	,	PUNCT
cblr-14250	142	30	”	"	PUNCT
cblr-14250	142	31	the	the	DET
cblr-14250	142	32	publication	publication	NOUN
cblr-14250	142	33	of	of	ADP
cblr-14250	142	34	which	which	PRON
cblr-14250	142	35	can	can	AUX
cblr-14250	142	36	land	land	VERB
cblr-14250	142	37	leakers	leaker	NOUN
cblr-14250	142	38	in	in	ADP
cblr-14250	142	39	jail.22	jail.22	NOUN
cblr-14250	142	40	these	these	DET
cblr-14250	142	41	scholarly	scholarly	ADJ
cblr-14250	142	42	lacunae	lacunae	NOUN
cblr-14250	142	43	leave	leave	VERB
cblr-14250	142	44	open	open	ADJ
cblr-14250	142	45	two	two	NUM
cblr-14250	142	46	foundational	foundational	ADJ
cblr-14250	142	47	questions	question	NOUN
cblr-14250	142	48	:	:	PUNCT
cblr-14250	142	49	what	what	PRON
cblr-14250	142	50	is	be	AUX
cblr-14250	142	51	supervision	supervision	NOUN
cblr-14250	142	52	?	?	PUNCT
cblr-14250	143	1	and	and	CCONJ
cblr-14250	143	2	what	what	PRON
cblr-14250	143	3	makes	make	VERB
cblr-14250	143	4	it	it	PRON
cblr-14250	143	5	distinct	distinct	ADJ
cblr-14250	143	6	from	from	ADP
cblr-14250	143	7	other	other	ADJ
cblr-14250	143	8	modes	mode	NOUN
cblr-14250	143	9	of	of	ADP
cblr-14250	143	10	governance	governance	NOUN
cblr-14250	143	11	?	?	PUNCT
cblr-14250	144	1	as	as	SCONJ
cblr-14250	144	2	noted	note	VERB
cblr-14250	144	3	in	in	ADP
cblr-14250	144	4	the	the	DET
cblr-14250	144	5	introduction	introduction	NOUN
cblr-14250	144	6	,	,	PUNCT
cblr-14250	144	7	supervision	supervision	NOUN
cblr-14250	144	8	is	be	AUX
cblr-14250	144	9	often	often	ADV
cblr-14250	144	10	mistaken	mistaken	ADJ
cblr-14250	144	11	for	for	ADP
cblr-14250	144	12	regulation	regulation	NOUN
cblr-14250	144	13	,	,	PUNCT
cblr-14250	144	14	which	which	PRON
cblr-14250	144	15	is	be	AUX
cblr-14250	144	16	easy	easy	ADJ
cblr-14250	144	17	enough	enough	ADV
cblr-14250	144	18	to	to	PART
cblr-14250	144	19	define	define	VERB
cblr-14250	144	20	.	.	PUNCT
cblr-14250	145	1	to	to	PART
cblr-14250	145	2	take	take	VERB
cblr-14250	145	3	the	the	DET
cblr-14250	145	4	federal	federal	PROPN
cblr-14250	145	5	reserve	reserve	PROPN
cblr-14250	145	6	’s	’s	PART
cblr-14250	145	7	2016	2016	NUM
cblr-14250	145	8	definition	definition	NOUN
cblr-14250	145	9	,	,	PUNCT
cblr-14250	145	10	its	its	PRON
cblr-14250	145	11	regulatory	regulatory	ADJ
cblr-14250	145	12	function	function	NOUN
cblr-14250	145	13	“	"	PUNCT
cblr-14250	145	14	entails	entail	VERB
cblr-14250	145	15	establishing	establish	VERB
cblr-14250	145	16	the	the	DET
cblr-14250	145	17	rules	rule	NOUN
cblr-14250	145	18	within	within	ADP
cblr-14250	145	19	which	which	PRON
cblr-14250	145	20	financial	financial	ADJ
cblr-14250	145	21	institutions	institution	NOUN
cblr-14250	145	22	must	must	AUX
cblr-14250	145	23	operate	operate	VERB
cblr-14250	145	24	—	—	PUNCT
cblr-14250	145	25	in	in	ADP
cblr-14250	145	26	other	other	ADJ
cblr-14250	145	27	words	word	NOUN
cblr-14250	145	28	,	,	PUNCT
cblr-14250	145	29	issuing	issue	VERB
cblr-14250	145	30	specific	specific	ADJ
cblr-14250	145	31	regulations	regulation	NOUN
cblr-14250	145	32	and	and	CCONJ
cblr-14250	145	33	guidelines	guideline	NOUN
cblr-14250	145	34	governing	govern	VERB
cblr-14250	145	35	the	the	DET
cblr-14250	145	36	formation	formation	NOUN
cblr-14250	145	37	,	,	PUNCT
cblr-14250	145	38	operations	operation	NOUN
cblr-14250	145	39	,	,	PUNCT
cblr-14250	145	40	activities	activity	NOUN
cblr-14250	145	41	,	,	PUNCT
cblr-14250	145	42	and	and	CCONJ
cblr-14250	145	43	acquisitions	acquisition	NOUN
cblr-14250	145	44	of	of	ADP
cblr-14250	145	45	financial	financial	ADJ
cblr-14250	145	46	institutions	institution	NOUN
cblr-14250	145	47	.	.	PUNCT
cblr-14250	146	1	”23	”23	PROPN
cblr-14250	146	2	supervision	supervision	NOUN
cblr-14250	146	3	,	,	PUNCT
cblr-14250	146	4	the	the	DET
cblr-14250	146	5	fed	fed	PROPN
cblr-14250	146	6	in	in	ADP
cblr-14250	146	7	japan	japan	PROPN
cblr-14250	146	8	and	and	CCONJ
cblr-14250	146	9	sweden	sweden	PROPN
cblr-14250	146	10	,	,	PUNCT
cblr-14250	146	11	22	22	NUM
cblr-14250	146	12	soc	soc	NOUN
cblr-14250	146	13	.	.	PUNCT
cblr-14250	147	1	sci	sci	PROPN
cblr-14250	147	2	.	.	PROPN
cblr-14250	148	1	japan	japan	PROPN
cblr-14250	148	2	j.	j.	PROPN
cblr-14250	148	3	211	211	NUM
cblr-14250	148	4	(	(	PUNCT
cblr-14250	148	5	2019	2019	NUM
cblr-14250	148	6	)	)	PUNCT
cblr-14250	148	7	;	;	PUNCT
cblr-14250	148	8	eiji	eiji	PROPN
cblr-14250	148	9	hotori	hotori	PROPN
cblr-14250	148	10	,	,	PUNCT
cblr-14250	148	11	mikael	mikael	PROPN
cblr-14250	148	12	wendschlag	wendschlag	PROPN
cblr-14250	148	13	&	&	CCONJ
cblr-14250	148	14	thibaud	thibaud	PROPN
cblr-14250	148	15	giddey	giddey	PROPN
cblr-14250	148	16	,	,	PUNCT
cblr-14250	148	17	formalization	formalization	NOUN
cblr-14250	148	18	of	of	ADP
cblr-14250	148	19	banking	banking	NOUN
cblr-14250	148	20	supervision	supervision	NOUN
cblr-14250	148	21	:	:	PUNCT
cblr-14250	148	22	19th–20th	19th–20th	NUM
cblr-14250	148	23	centuries	century	NOUN
cblr-14250	148	24	(	(	PUNCT
cblr-14250	148	25	2021	2021	NUM
cblr-14250	148	26	)	)	PUNCT
cblr-14250	148	27	;	;	PUNCT
cblr-14250	148	28	patrice	patrice	PROPN
cblr-14250	148	29	baubeau	baubeau	PROPN
cblr-14250	148	30	,	,	PUNCT
cblr-14250	148	31	eric	eric	PROPN
cblr-14250	148	32	monnet	monnet	PROPN
cblr-14250	148	33	,	,	PUNCT
cblr-14250	148	34	angelo	angelo	PROPN
cblr-14250	148	35	riva	riva	PROPN
cblr-14250	148	36	&	&	CCONJ
cblr-14250	148	37	stefano	stefano	PROPN
cblr-14250	148	38	ungaro	ungaro	PROPN
cblr-14250	148	39	,	,	PUNCT
cblr-14250	148	40	flight	flight	NOUN
cblr-14250	148	41	-	-	PUNCT
cblr-14250	148	42	to	to	ADP
cblr-14250	148	43	-	-	PUNCT
cblr-14250	148	44	safety	safety	NOUN
cblr-14250	148	45	and	and	CCONJ
cblr-14250	148	46	the	the	DET
cblr-14250	148	47	credit	credit	NOUN
cblr-14250	148	48	crunch	crunch	NOUN
cblr-14250	148	49	:	:	PUNCT
cblr-14250	148	50	a	a	DET
cblr-14250	148	51	new	new	ADJ
cblr-14250	148	52	history	history	NOUN
cblr-14250	148	53	of	of	ADP
cblr-14250	148	54	the	the	DET
cblr-14250	148	55	banking	banking	NOUN
cblr-14250	148	56	crises	crisis	NOUN
cblr-14250	148	57	in	in	ADP
cblr-14250	148	58	france	france	PROPN
cblr-14250	148	59	during	during	ADP
cblr-14250	148	60	the	the	DET
cblr-14250	148	61	great	great	ADJ
cblr-14250	148	62	depression	depression	NOUN
cblr-14250	148	63	,	,	PUNCT
cblr-14250	148	64	74	74	NUM
cblr-14250	148	65	econ	econ	NOUN
cblr-14250	148	66	.	.	PUNCT
cblr-14250	149	1	hist	hist	PROPN
cblr-14250	149	2	.	.	PUNCT
cblr-14250	150	1	rev	rev	PROPN
cblr-14250	150	2	.	.	PROPN
cblr-14250	150	3	223	223	NUM
cblr-14250	150	4	(	(	PUNCT
cblr-14250	150	5	2021	2021	NUM
cblr-14250	150	6	)	)	PUNCT
cblr-14250	150	7	.	.	PUNCT
cblr-14250	151	1	21	21	NUM
cblr-14250	151	2	brian	brian	PROPN
cblr-14250	151	3	balogh	balogh	PROPN
cblr-14250	151	4	,	,	PUNCT
cblr-14250	151	5	a	a	DET
cblr-14250	151	6	government	government	NOUN
cblr-14250	151	7	out	out	ADP
cblr-14250	151	8	of	of	ADP
cblr-14250	151	9	sight	sight	NOUN
cblr-14250	151	10	:	:	PUNCT
cblr-14250	151	11	the	the	DET
cblr-14250	151	12	mystery	mystery	NOUN
cblr-14250	151	13	of	of	ADP
cblr-14250	151	14	national	national	ADJ
cblr-14250	151	15	authority	authority	NOUN
cblr-14250	151	16	in	in	ADP
cblr-14250	151	17	nineteenth	nineteenth	ADJ
cblr-14250	151	18	-	-	PUNCT
cblr-14250	151	19	century	century	NOUN
cblr-14250	151	20	america	america	PROPN
cblr-14250	151	21	(	(	PUNCT
cblr-14250	151	22	2009	2009	NUM
cblr-14250	151	23	)	)	PUNCT
cblr-14250	151	24	.	.	PUNCT
cblr-14250	152	1	22	22	NUM
cblr-14250	152	2	see	see	VERB
cblr-14250	152	3	margaret	margaret	PROPN
cblr-14250	152	4	e.	e.	PROPN
cblr-14250	152	5	tahyar	tahyar	PROPN
cblr-14250	152	6	,	,	PUNCT
cblr-14250	152	7	are	be	AUX
cblr-14250	152	8	bank	bank	NOUN
cblr-14250	152	9	regulators	regulator	NOUN
cblr-14250	152	10	special	special	ADJ
cblr-14250	152	11	?	?	PUNCT
cblr-14250	152	12	,	,	PUNCT
cblr-14250	152	13	5	5	NUM
cblr-14250	152	14	banking	banking	NOUN
cblr-14250	152	15	perspectives	perspective	NOUN
cblr-14250	152	16	23	23	NUM
cblr-14250	152	17	(	(	PUNCT
cblr-14250	152	18	2018	2018	NUM
cblr-14250	152	19	)	)	PUNCT
cblr-14250	152	20	,	,	PUNCT
cblr-14250	152	21	https://www.davispolk.com/sites/default/files/tch_banking_perspectives__are_banking_regulators_special.pdf	https://www.davispolk.com/sites/default/files/tch_banking_perspectives__are_banking_regulators_special.pdf	NOUN
cblr-14250	152	22	[	[	X
cblr-14250	152	23	https://perma.cc/734f-5z6d	https://perma.cc/734f-5z6d	X
cblr-14250	152	24	]	]	X
cblr-14250	152	25	;	;	PUNCT
cblr-14250	152	26	peter	peter	PROPN
cblr-14250	152	27	conti	conti	PROPN
cblr-14250	152	28	-	-	ADJ
cblr-14250	152	29	brown	brown	ADJ
cblr-14250	152	30	,	,	PUNCT
cblr-14250	152	31	the	the	DET
cblr-14250	152	32	curse	curse	NOUN
cblr-14250	152	33	of	of	ADP
cblr-14250	152	34	confidential	confidential	ADJ
cblr-14250	152	35	supervisory	supervisory	ADJ
cblr-14250	152	36	information	information	NOUN
cblr-14250	152	37	,	,	PUNCT
cblr-14250	152	38	brookings	brookings	PROPN
cblr-14250	152	39	inst	inst	PROPN
cblr-14250	152	40	.	.	PUNCT
cblr-14250	153	1	(	(	PUNCT
cblr-14250	153	2	2019	2019	NUM
cblr-14250	153	3	)	)	PUNCT
cblr-14250	153	4	,	,	PUNCT
cblr-14250	153	5	https://www.brookings.edu/research/the-curse-ofconfidential-supervisory-information/	https://www.brookings.edu/research/the-curse-ofconfidential-supervisory-information/	PROPN
cblr-14250	154	1	[	[	X
cblr-14250	154	2	https://perma.cc/9nhs-px96	https://perma.cc/9nhs-px96	X
cblr-14250	154	3	]	]	PUNCT
cblr-14250	154	4	.	.	PUNCT
cblr-14250	155	1	23	23	NUM
cblr-14250	155	2	bd	bd	PROPN
cblr-14250	155	3	.	.	PROPN
cblr-14250	155	4	of	of	ADP
cblr-14250	155	5	governors	governor	NOUN
cblr-14250	155	6	,	,	PUNCT
cblr-14250	155	7	supra	supra	PROPN
cblr-14250	155	8	note	note	NOUN
cblr-14250	155	9	9	9	NUM
cblr-14250	155	10	,	,	PUNCT
cblr-14250	155	11	at	at	ADP
cblr-14250	155	12	74	74	NUM
cblr-14250	155	13	.	.	PUNCT
cblr-14250	156	1	142	142	NUM
cblr-14250	156	2	columbia	columbia	PROPN
cblr-14250	156	3	business	business	NOUN
cblr-14250	156	4	law	law	PROPN
cblr-14250	156	5	review	review	NOUN
cblr-14250	156	6	[	[	X
cblr-14250	156	7	vol	vol	NOUN
cblr-14250	156	8	.	.	PUNCT
cblr-14250	156	9	2025	2025	NUM
cblr-14250	156	10	continues	continue	VERB
cblr-14250	156	11	,	,	PUNCT
cblr-14250	156	12	“	"	PUNCT
cblr-14250	156	13	involves	involve	VERB
cblr-14250	156	14	monitoring	monitoring	NOUN
cblr-14250	156	15	,	,	PUNCT
cblr-14250	156	16	inspecting	inspect	VERB
cblr-14250	156	17	,	,	PUNCT
cblr-14250	156	18	and	and	CCONJ
cblr-14250	156	19	examining	examine	VERB
cblr-14250	156	20	financial	financial	ADJ
cblr-14250	156	21	institutions	institution	NOUN
cblr-14250	156	22	”	"	PUNCT
cblr-14250	156	23	and	and	CCONJ
cblr-14250	156	24	“	"	PUNCT
cblr-14250	156	25	seeks	seek	VERB
cblr-14250	156	26	to	to	PART
cblr-14250	156	27	ensure	ensure	VERB
cblr-14250	156	28	that	that	SCONJ
cblr-14250	156	29	an	an	DET
cblr-14250	156	30	institution	institution	NOUN
cblr-14250	156	31	complies	comply	VERB
cblr-14250	156	32	with	with	ADP
cblr-14250	156	33	those	those	DET
cblr-14250	156	34	rules	rule	NOUN
cblr-14250	156	35	and	and	CCONJ
cblr-14250	156	36	regulations	regulation	NOUN
cblr-14250	156	37	,	,	PUNCT
cblr-14250	156	38	and	and	CCONJ
cblr-14250	156	39	that	that	SCONJ
cblr-14250	156	40	it	it	PRON
cblr-14250	156	41	operates	operate	VERB
cblr-14250	156	42	in	in	ADP
cblr-14250	156	43	a	a	DET
cblr-14250	156	44	safe	safe	ADJ
cblr-14250	156	45	and	and	CCONJ
cblr-14250	156	46	sound	sound	ADJ
cblr-14250	156	47	manner	manner	NOUN
cblr-14250	156	48	.	.	PUNCT
cblr-14250	157	1	”24	”24	VERB
cblr-14250	157	2	on	on	ADP
cblr-14250	157	3	this	this	DET
cblr-14250	157	4	view	view	NOUN
cblr-14250	157	5	,	,	PUNCT
cblr-14250	157	6	if	if	SCONJ
cblr-14250	157	7	regulation	regulation	NOUN
cblr-14250	157	8	involves	involve	VERB
cblr-14250	157	9	rules	rule	NOUN
cblr-14250	157	10	,	,	PUNCT
cblr-14250	157	11	supervision	supervision	NOUN
cblr-14250	157	12	entails	entail	VERB
cblr-14250	157	13	the	the	DET
cblr-14250	157	14	tools	tool	NOUN
cblr-14250	157	15	government	government	NOUN
cblr-14250	157	16	officials	official	NOUN
cblr-14250	157	17	use	use	VERB
cblr-14250	157	18	to	to	PART
cblr-14250	157	19	ensure	ensure	VERB
cblr-14250	157	20	financial	financial	ADJ
cblr-14250	157	21	firms	firm	NOUN
cblr-14250	157	22	comply	comply	VERB
cblr-14250	157	23	with	with	ADP
cblr-14250	157	24	the	the	DET
cblr-14250	157	25	rules	rule	NOUN
cblr-14250	157	26	.	.	PUNCT
cblr-14250	158	1	the	the	DET
cblr-14250	158	2	federal	federal	PROPN
cblr-14250	158	3	reserve	reserve	PROPN
cblr-14250	158	4	’s	’s	PART
cblr-14250	158	5	2016	2016	NUM
cblr-14250	158	6	definition	definition	NOUN
cblr-14250	158	7	of	of	ADP
cblr-14250	158	8	supervision	supervision	NOUN
cblr-14250	158	9	is	be	AUX
cblr-14250	158	10	at	at	ADP
cblr-14250	158	11	once	once	ADV
cblr-14250	158	12	expansive	expansive	ADJ
cblr-14250	158	13	and	and	CCONJ
cblr-14250	158	14	limited	limited	ADJ
cblr-14250	158	15	.	.	PUNCT
cblr-14250	159	1	it	it	PRON
cblr-14250	159	2	is	be	AUX
cblr-14250	159	3	expansive	expansive	ADJ
cblr-14250	159	4	in	in	SCONJ
cblr-14250	159	5	that	that	SCONJ
cblr-14250	159	6	each	each	PRON
cblr-14250	159	7	of	of	ADP
cblr-14250	159	8	the	the	DET
cblr-14250	159	9	actions	action	NOUN
cblr-14250	159	10	ascribed	ascribe	VERB
cblr-14250	159	11	to	to	ADP
cblr-14250	159	12	supervision	supervision	NOUN
cblr-14250	159	13	—	—	PUNCT
cblr-14250	159	14	monitoring	monitoring	NOUN
cblr-14250	159	15	,	,	PUNCT
cblr-14250	159	16	inspecting	inspecting	NOUN
cblr-14250	159	17	,	,	PUNCT
cblr-14250	159	18	and	and	CCONJ
cblr-14250	159	19	examining	examine	VERB
cblr-14250	159	20	—	—	PUNCT
cblr-14250	159	21	contain	contain	VERB
cblr-14250	159	22	in	in	ADP
cblr-14250	159	23	them	they	PRON
cblr-14250	159	24	a	a	DET
cblr-14250	159	25	host	host	NOUN
cblr-14250	159	26	of	of	ADP
cblr-14250	159	27	subsidiary	subsidiary	NOUN
cblr-14250	159	28	practices	practice	NOUN
cblr-14250	159	29	,	,	PUNCT
cblr-14250	159	30	which	which	PRON
cblr-14250	159	31	supervisors	supervisor	NOUN
cblr-14250	159	32	use	use	VERB
cblr-14250	159	33	to	to	PART
cblr-14250	159	34	shape	shape	VERB
cblr-14250	159	35	behavior	behavior	NOUN
cblr-14250	159	36	:	:	PUNCT
cblr-14250	159	37	to	to	PART
cblr-14250	159	38	guide	guide	VERB
cblr-14250	159	39	,	,	PUNCT
cblr-14250	159	40	to	to	PART
cblr-14250	159	41	suggest	suggest	VERB
cblr-14250	159	42	,	,	PUNCT
cblr-14250	159	43	to	to	PART
cblr-14250	159	44	demand	demand	VERB
cblr-14250	159	45	,	,	PUNCT
cblr-14250	159	46	and	and	CCONJ
cblr-14250	159	47	to	to	PART
cblr-14250	159	48	compel	compel	VERB
cblr-14250	159	49	.	.	PUNCT
cblr-14250	160	1	the	the	DET
cblr-14250	160	2	definition	definition	NOUN
cblr-14250	160	3	is	be	AUX
cblr-14250	160	4	limited	limit	VERB
cblr-14250	160	5	in	in	ADP
cblr-14250	160	6	its	its	PRON
cblr-14250	160	7	implicit	implicit	ADJ
cblr-14250	160	8	claim	claim	NOUN
cblr-14250	160	9	that	that	SCONJ
cblr-14250	160	10	supervision	supervision	NOUN
cblr-14250	160	11	is	be	AUX
cblr-14250	160	12	merely	merely	ADV
cblr-14250	160	13	the	the	DET
cblr-14250	160	14	implementation	implementation	NOUN
cblr-14250	160	15	of	of	ADP
cblr-14250	160	16	law	law	NOUN
cblr-14250	160	17	and	and	CCONJ
cblr-14250	160	18	the	the	DET
cblr-14250	160	19	compliance	compliance	NOUN
cblr-14250	160	20	with	with	ADP
cblr-14250	160	21	rules	rule	NOUN
cblr-14250	160	22	.	.	PUNCT
cblr-14250	161	1	the	the	DET
cblr-14250	161	2	narrowness	narrowness	NOUN
cblr-14250	161	3	of	of	ADP
cblr-14250	161	4	the	the	DET
cblr-14250	161	5	fed	fed	PROPN
cblr-14250	161	6	’s	’s	PART
cblr-14250	161	7	2016	2016	NUM
cblr-14250	161	8	definition	definition	NOUN
cblr-14250	161	9	becomes	become	VERB
cblr-14250	161	10	visible	visible	ADJ
cblr-14250	161	11	when	when	SCONJ
cblr-14250	161	12	it	it	PRON
cblr-14250	161	13	is	be	AUX
cblr-14250	161	14	placed	place	VERB
cblr-14250	161	15	against	against	ADP
cblr-14250	161	16	an	an	DET
cblr-14250	161	17	earlier	early	ADJ
cblr-14250	161	18	—	—	PUNCT
cblr-14250	161	19	and	and	CCONJ
cblr-14250	161	20	much	much	ADV
cblr-14250	161	21	longer	long	ADJ
cblr-14250	161	22	—	—	PUNCT
cblr-14250	161	23	version	version	NOUN
cblr-14250	161	24	,	,	PUNCT
cblr-14250	161	25	published	publish	VERB
cblr-14250	161	26	by	by	ADP
cblr-14250	161	27	the	the	DET
cblr-14250	161	28	fed	fed	PROPN
cblr-14250	161	29	in	in	ADP
cblr-14250	161	30	1954	1954	NUM
cblr-14250	161	31	:	:	PUNCT
cblr-14250	161	32	as	as	ADP
cblr-14250	161	33	a	a	DET
cblr-14250	161	34	government	government	NOUN
cblr-14250	161	35	activity	activity	NOUN
cblr-14250	161	36	,	,	PUNCT
cblr-14250	161	37	bank	bank	NOUN
cblr-14250	161	38	supervision	supervision	NOUN
cblr-14250	161	39	encompasses	encompass	VERB
cblr-14250	161	40	a	a	DET
cblr-14250	161	41	wide	wide	ADJ
cblr-14250	161	42	variety	variety	NOUN
cblr-14250	161	43	of	of	ADP
cblr-14250	161	44	technical	technical	ADJ
cblr-14250	161	45	functions	function	NOUN
cblr-14250	161	46	relating	relate	VERB
cblr-14250	161	47	to	to	ADP
cblr-14250	161	48	the	the	DET
cblr-14250	161	49	operation	operation	NOUN
cblr-14250	161	50	of	of	ADP
cblr-14250	161	51	banks	bank	NOUN
cblr-14250	161	52	.	.	PUNCT
cblr-14250	162	1	these	these	DET
cblr-14250	162	2	concern	concern	NOUN
cblr-14250	162	3	:	:	PUNCT
cblr-14250	162	4	(	(	PUNCT
cblr-14250	162	5	1	1	X
cblr-14250	162	6	)	)	PUNCT
cblr-14250	162	7	the	the	DET
cblr-14250	162	8	issuance	issuance	NOUN
cblr-14250	162	9	and	and	CCONJ
cblr-14250	162	10	enforcement	enforcement	NOUN
cblr-14250	162	11	of	of	ADP
cblr-14250	162	12	supervisory	supervisory	ADJ
cblr-14250	162	13	and	and	CCONJ
cblr-14250	162	14	other	other	ADJ
cblr-14250	162	15	regulations	regulation	NOUN
cblr-14250	162	16	;	;	PUNCT
cblr-14250	162	17	(	(	PUNCT
cblr-14250	162	18	2	2	X
cblr-14250	162	19	)	)	PUNCT
cblr-14250	162	20	the	the	DET
cblr-14250	162	21	organization	organization	NOUN
cblr-14250	162	22	and	and	CCONJ
cblr-14250	162	23	chartering	chartering	NOUN
cblr-14250	162	24	of	of	ADP
cblr-14250	162	25	banks	bank	NOUN
cblr-14250	162	26	;	;	PUNCT
cblr-14250	162	27	(	(	PUNCT
cblr-14250	162	28	3	3	X
cblr-14250	162	29	)	)	PUNCT
cblr-14250	162	30	the	the	DET
cblr-14250	162	31	periodic	periodic	ADJ
cblr-14250	162	32	examination	examination	NOUN
cblr-14250	162	33	of	of	ADP
cblr-14250	162	34	banks	bank	NOUN
cblr-14250	162	35	and	and	CCONJ
cblr-14250	162	36	the	the	DET
cblr-14250	162	37	requiring	requiring	NOUN
cblr-14250	162	38	of	of	ADP
cblr-14250	162	39	steps	step	NOUN
cblr-14250	162	40	by	by	ADP
cblr-14250	162	41	bank	bank	NOUN
cblr-14250	162	42	management	management	NOUN
cblr-14250	162	43	to	to	PART
cblr-14250	162	44	correct	correct	VERB
cblr-14250	162	45	unsatisfactory	unsatisfactory	ADJ
cblr-14250	162	46	or	or	CCONJ
cblr-14250	162	47	unsound	unsound	ADJ
cblr-14250	162	48	conditions	condition	NOUN
cblr-14250	162	49	found	find	VERB
cblr-14250	162	50	through	through	ADP
cblr-14250	162	51	such	such	ADJ
cblr-14250	162	52	examination	examination	NOUN
cblr-14250	162	53	;	;	PUNCT
cblr-14250	162	54	(	(	PUNCT
cblr-14250	162	55	4	4	X
cblr-14250	162	56	)	)	PUNCT
cblr-14250	162	57	the	the	DET
cblr-14250	162	58	review	review	NOUN
cblr-14250	162	59	and	and	CCONJ
cblr-14250	162	60	analysis	analysis	NOUN
cblr-14250	162	61	of	of	ADP
cblr-14250	162	62	periodic	periodic	ADJ
cblr-14250	162	63	reports	report	NOUN
cblr-14250	162	64	of	of	ADP
cblr-14250	162	65	conditions	condition	NOUN
cblr-14250	162	66	and	and	CCONJ
cblr-14250	162	67	earnings	earning	NOUN
cblr-14250	162	68	and	and	CCONJ
cblr-14250	162	69	expenses	expense	NOUN
cblr-14250	162	70	;	;	PUNCT
cblr-14250	162	71	(	(	PUNCT
cblr-14250	162	72	5	5	X
cblr-14250	162	73	)	)	PUNCT
cblr-14250	162	74	the	the	DET
cblr-14250	162	75	rendering	rendering	NOUN
cblr-14250	162	76	of	of	ADP
cblr-14250	162	77	counsel	counsel	NOUN
cblr-14250	162	78	and	and	CCONJ
cblr-14250	162	79	advice	advice	NOUN
cblr-14250	162	80	on	on	ADP
cblr-14250	162	81	bank	bank	NOUN
cblr-14250	162	82	operating	operating	NOUN
cblr-14250	162	83	problems	problem	NOUN
cblr-14250	162	84	when	when	SCONJ
cblr-14250	162	85	requested	request	VERB
cblr-14250	162	86	,	,	PUNCT
cblr-14250	162	87	particularly	particularly	ADV
cblr-14250	162	88	in	in	ADP
cblr-14250	162	89	the	the	DET
cblr-14250	162	90	case	case	NOUN
cblr-14250	162	91	of	of	ADP
cblr-14250	162	92	smaller	small	ADJ
cblr-14250	162	93	banks	bank	NOUN
cblr-14250	162	94	;	;	PUNCT
cblr-14250	162	95	(	(	PUNCT
cblr-14250	162	96	6	6	X
cblr-14250	162	97	)	)	PUNCT
cblr-14250	162	98	the	the	DET
cblr-14250	162	99	approval	approval	NOUN
cblr-14250	162	100	of	of	ADP
cblr-14250	162	101	proposed	propose	VERB
cblr-14250	162	102	changes	change	NOUN
cblr-14250	162	103	in	in	ADP
cblr-14250	162	104	the	the	DET
cblr-14250	162	105	scope	scope	NOUN
cblr-14250	162	106	of	of	ADP
cblr-14250	162	107	corporate	corporate	ADJ
cblr-14250	162	108	functions	function	NOUN
cblr-14250	162	109	exercised	exercise	VERB
cblr-14250	162	110	by	by	ADP
cblr-14250	162	111	individual	individual	ADJ
cblr-14250	162	112	banks	bank	NOUN
cblr-14250	162	113	and	and	CCONJ
cblr-14250	162	114	of	of	ADP
cblr-14250	162	115	proposed	propose	VERB
cblr-14250	162	116	changes	change	NOUN
cblr-14250	162	117	in	in	ADP
cblr-14250	162	118	their	their	PRON
cblr-14250	162	119	capital	capital	NOUN
cblr-14250	162	120	structures	structure	NOUN
cblr-14250	162	121	;	;	PUNCT
cblr-14250	162	122	(	(	PUNCT
cblr-14250	162	123	7	7	X
cblr-14250	162	124	)	)	PUNCT
cblr-14250	162	125	the	the	DET
cblr-14250	162	126	authorization	authorization	NOUN
cblr-14250	162	127	of	of	ADP
cblr-14250	162	128	establishment	establishment	NOUN
cblr-14250	162	129	of	of	ADP
cblr-14250	162	130	branches	branch	NOUN
cblr-14250	162	131	and	and	CCONJ
cblr-14250	162	132	of	of	ADP
cblr-14250	162	133	the	the	DET
cblr-14250	162	134	exercise	exercise	NOUN
cblr-14250	162	135	of	of	ADP
cblr-14250	162	136	trust	trust	NOUN
cblr-14250	162	137	powers	power	NOUN
cblr-14250	162	138	;	;	PUNCT
cblr-14250	162	139	(	(	PUNCT
cblr-14250	162	140	8)	8)	NUM
cblr-14250	162	141	the	the	DET
cblr-14250	162	142	approval	approval	NOUN
cblr-14250	162	143	of	of	ADP
cblr-14250	162	144	bank	bank	NOUN
cblr-14250	162	145	mergers	merger	NOUN
cblr-14250	162	146	and	and	CCONJ
cblr-14250	162	147	consolidations	consolidation	NOUN
cblr-14250	162	148	;	;	PUNCT
cblr-14250	162	149	(	(	PUNCT
cblr-14250	162	150	9	9	X
cblr-14250	162	151	)	)	PUNCT
cblr-14250	162	152	the	the	DET
cblr-14250	162	153	organization	organization	NOUN
cblr-14250	162	154	and	and	CCONJ
cblr-14250	162	155	24	24	NUM
cblr-14250	163	1	i	i	NOUN
cblr-14250	163	2	d.	d.	PROPN
cblr-14250	163	3	no	no	INTJ
cblr-14250	163	4	.	.	NOUN
cblr-14250	164	1	1	1	NUM
cblr-14250	164	2	]	]	PUNCT
cblr-14250	164	3	risk	risk	NOUN
cblr-14250	164	4	,	,	PUNCT
cblr-14250	164	5	discretion	discretion	NOUN
cblr-14250	164	6	,	,	PUNCT
cblr-14250	164	7	and	and	CCONJ
cblr-14250	164	8	bank	bank	NOUN
cblr-14250	164	9	supervision	supervision	NOUN
cblr-14250	164	10	143	143	NUM
cblr-14250	164	11	regulation	regulation	NOUN
cblr-14250	164	12	of	of	ADP
cblr-14250	164	13	bank	bank	NOUN
cblr-14250	164	14	holding	hold	VERB
cblr-14250	164	15	companies	company	NOUN
cblr-14250	164	16	;	;	PUNCT
cblr-14250	164	17	(	(	PUNCT
cblr-14250	164	18	10	10	NUM
cblr-14250	164	19	)	)	PUNCT
cblr-14250	164	20	the	the	DET
cblr-14250	164	21	regulation	regulation	NOUN
cblr-14250	164	22	of	of	ADP
cblr-14250	164	23	bank	bank	NOUN
cblr-14250	164	24	service	service	NOUN
cblr-14250	164	25	corporations	corporation	NOUN
cblr-14250	164	26	;	;	PUNCT
cblr-14250	164	27	and	and	CCONJ
cblr-14250	164	28	(	(	PUNCT
cblr-14250	164	29	11	11	NUM
cblr-14250	164	30	)	)	PUNCT
cblr-14250	164	31	the	the	DET
cblr-14250	164	32	liquidation	liquidation	NOUN
cblr-14250	164	33	of	of	ADP
cblr-14250	164	34	banks	bank	NOUN
cblr-14250	164	35	(	(	PUNCT
cblr-14250	164	36	board	board	NOUN
cblr-14250	164	37	of	of	ADP
cblr-14250	164	38	governors	governor	NOUN
cblr-14250	164	39	1954	1954	NUM
cblr-14250	164	40	,	,	PUNCT
cblr-14250	164	41	16667).25	16667).25	NUM
cblr-14250	164	42	the	the	DET
cblr-14250	164	43	fed	fed	PROPN
cblr-14250	164	44	in	in	ADP
cblr-14250	164	45	1954	1954	NUM
cblr-14250	164	46	had	have	VERB
cblr-14250	164	47	a	a	DET
cblr-14250	164	48	better	well	ADJ
cblr-14250	164	49	sense	sense	NOUN
cblr-14250	164	50	of	of	ADP
cblr-14250	164	51	the	the	DET
cblr-14250	164	52	functions	function	NOUN
cblr-14250	164	53	and	and	CCONJ
cblr-14250	164	54	epistemologies	epistemology	NOUN
cblr-14250	164	55	of	of	ADP
cblr-14250	164	56	supervision	supervision	NOUN
cblr-14250	164	57	than	than	ADP
cblr-14250	164	58	the	the	DET
cblr-14250	164	59	fed	fed	PROPN
cblr-14250	164	60	in	in	ADP
cblr-14250	164	61	2016	2016	NUM
cblr-14250	164	62	.	.	PUNCT
cblr-14250	165	1	instead	instead	ADV
cblr-14250	165	2	of	of	ADP
cblr-14250	165	3	monitoring	monitoring	NOUN
cblr-14250	165	4	,	,	PUNCT
cblr-14250	165	5	inspecting	inspect	VERB
cblr-14250	165	6	,	,	PUNCT
cblr-14250	165	7	and	and	CCONJ
cblr-14250	165	8	examining	examine	VERB
cblr-14250	165	9	,	,	PUNCT
cblr-14250	165	10	which	which	PRON
cblr-14250	165	11	are	be	AUX
cblr-14250	165	12	largely	largely	ADV
cblr-14250	165	13	instances	instance	NOUN
cblr-14250	165	14	of	of	ADP
cblr-14250	165	15	passive	passive	ADJ
cblr-14250	165	16	oversight	oversight	NOUN
cblr-14250	165	17	,	,	PUNCT
cblr-14250	165	18	the	the	DET
cblr-14250	165	19	fed	fed	PROPN
cblr-14250	165	20	’s	’s	PART
cblr-14250	165	21	1954	1954	NUM
cblr-14250	165	22	definition	definition	NOUN
cblr-14250	165	23	described	describe	VERB
cblr-14250	165	24	active	active	ADJ
cblr-14250	165	25	supervisory	supervisory	ADJ
cblr-14250	165	26	governance	governance	NOUN
cblr-14250	165	27	.	.	PUNCT
cblr-14250	166	1	this	this	DET
cblr-14250	166	2	definition	definition	NOUN
cblr-14250	166	3	is	be	AUX
cblr-14250	166	4	not	not	PART
cblr-14250	166	5	just	just	ADV
cblr-14250	166	6	one	one	NUM
cblr-14250	166	7	of	of	ADP
cblr-14250	166	8	examining	examining	NOUN
cblr-14250	166	9	,	,	PUNCT
cblr-14250	166	10	but	but	CCONJ
cblr-14250	166	11	requiring	require	VERB
cblr-14250	166	12	correction	correction	NOUN
cblr-14250	166	13	;	;	PUNCT
cblr-14250	166	14	not	not	PART
cblr-14250	166	15	just	just	ADV
cblr-14250	166	16	reviewing	review	VERB
cblr-14250	166	17	,	,	PUNCT
cblr-14250	166	18	but	but	CCONJ
cblr-14250	166	19	analyzing	analyze	VERB
cblr-14250	166	20	;	;	PUNCT
cblr-14250	166	21	not	not	PART
cblr-14250	166	22	just	just	ADV
cblr-14250	166	23	implementing	implement	VERB
cblr-14250	166	24	the	the	DET
cblr-14250	166	25	law	law	NOUN
cblr-14250	166	26	,	,	PUNCT
cblr-14250	166	27	but	but	CCONJ
cblr-14250	166	28	rendering	render	VERB
cblr-14250	166	29	counsel	counsel	NOUN
cblr-14250	166	30	and	and	CCONJ
cblr-14250	166	31	advice	advice	NOUN
cblr-14250	166	32	.	.	PUNCT
cblr-14250	167	1	here	here	ADV
cblr-14250	167	2	,	,	PUNCT
cblr-14250	167	3	the	the	DET
cblr-14250	167	4	supervisory	supervisory	ADJ
cblr-14250	167	5	purview	purview	NOUN
cblr-14250	167	6	was	be	AUX
cblr-14250	167	7	much	much	ADV
cblr-14250	167	8	wider	wide	ADJ
cblr-14250	167	9	than	than	ADP
cblr-14250	167	10	mere	mere	ADJ
cblr-14250	167	11	compliance	compliance	NOUN
cblr-14250	167	12	.	.	PUNCT
cblr-14250	168	1	supervisors	supervisor	NOUN
cblr-14250	168	2	assertively	assertively	ADV
cblr-14250	168	3	deployed	deploy	VERB
cblr-14250	168	4	official	official	ADJ
cblr-14250	168	5	judgement	judgement	NOUN
cblr-14250	168	6	and	and	CCONJ
cblr-14250	168	7	discretion	discretion	NOUN
cblr-14250	168	8	,	,	PUNCT
cblr-14250	168	9	often	often	ADV
cblr-14250	168	10	to	to	ADP
cblr-14250	168	11	mold	mold	NOUN
cblr-14250	168	12	behavior	behavior	NOUN
cblr-14250	168	13	according	accord	VERB
cblr-14250	168	14	to	to	ADP
cblr-14250	168	15	preferences	preference	NOUN
cblr-14250	168	16	and	and	CCONJ
cblr-14250	168	17	objectives	objective	NOUN
cblr-14250	168	18	that	that	PRON
cblr-14250	168	19	were	be	AUX
cblr-14250	168	20	distinct	distinct	ADJ
cblr-14250	168	21	from	from	ADP
cblr-14250	168	22	any	any	DET
cblr-14250	168	23	formal	formal	ADJ
cblr-14250	168	24	rules	rule	NOUN
cblr-14250	168	25	.	.	PUNCT
cblr-14250	169	1	while	while	SCONJ
cblr-14250	169	2	the	the	DET
cblr-14250	169	3	ubiquitous	ubiquitous	ADJ
cblr-14250	169	4	conflation	conflation	NOUN
cblr-14250	169	5	of	of	ADP
cblr-14250	169	6	supervision	supervision	NOUN
cblr-14250	169	7	with	with	ADP
cblr-14250	169	8	regulation	regulation	NOUN
cblr-14250	169	9	is	be	AUX
cblr-14250	169	10	erroneous	erroneous	ADJ
cblr-14250	169	11	,	,	PUNCT
cblr-14250	169	12	the	the	DET
cblr-14250	169	13	active	active	ADJ
cblr-14250	169	14	versus	versus	ADP
cblr-14250	169	15	passive	passive	ADJ
cblr-14250	169	16	sense	sense	NOUN
cblr-14250	169	17	of	of	ADP
cblr-14250	169	18	supervision	supervision	NOUN
cblr-14250	169	19	is	be	AUX
cblr-14250	169	20	not	not	PART
cblr-14250	169	21	so	so	ADV
cblr-14250	169	22	much	much	ADV
cblr-14250	169	23	an	an	DET
cblr-14250	169	24	error	error	NOUN
cblr-14250	169	25	as	as	ADP
cblr-14250	169	26	an	an	DET
cblr-14250	169	27	arc	arc	NOUN
cblr-14250	169	28	.	.	PUNCT
cblr-14250	170	1	the	the	DET
cblr-14250	170	2	transformation	transformation	NOUN
cblr-14250	170	3	evident	evident	ADJ
cblr-14250	170	4	in	in	ADP
cblr-14250	170	5	these	these	DET
cblr-14250	170	6	definitions	definition	NOUN
cblr-14250	170	7	—	—	PUNCT
cblr-14250	170	8	from	from	ADP
cblr-14250	170	9	an	an	DET
cblr-14250	170	10	active	active	ADJ
cblr-14250	170	11	,	,	PUNCT
cblr-14250	170	12	self	self	NOUN
cblr-14250	170	13	-	-	PUNCT
cblr-14250	170	14	confident	confident	ADJ
cblr-14250	170	15	government	government	NOUN
cblr-14250	170	16	in	in	ADP
cblr-14250	170	17	1954	1954	NUM
cblr-14250	170	18	,	,	PUNCT
cblr-14250	170	19	to	to	ADP
cblr-14250	170	20	a	a	DET
cblr-14250	170	21	chastened	chastened	ADJ
cblr-14250	170	22	,	,	PUNCT
cblr-14250	170	23	restrained	restrained	ADJ
cblr-14250	170	24	government	government	NOUN
cblr-14250	170	25	in	in	ADP
cblr-14250	170	26	2016	2016	NUM
cblr-14250	170	27	—	—	PUNCT
cblr-14250	170	28	maps	map	VERB
cblr-14250	170	29	onto	onto	ADP
cblr-14250	170	30	consensus	consensus	NOUN
cblr-14250	170	31	narratives	narrative	NOUN
cblr-14250	170	32	of	of	ADP
cblr-14250	170	33	the	the	DET
cblr-14250	170	34	american	american	ADJ
cblr-14250	170	35	state	state	NOUN
cblr-14250	170	36	,	,	PUNCT
cblr-14250	170	37	as	as	SCONJ
cblr-14250	170	38	it	it	PRON
cblr-14250	170	39	is	be	AUX
cblr-14250	170	40	activist	activist	ADJ
cblr-14250	170	41	in	in	ADP
cblr-14250	170	42	the	the	DET
cblr-14250	170	43	wake	wake	NOUN
cblr-14250	170	44	of	of	ADP
cblr-14250	170	45	the	the	DET
cblr-14250	170	46	new	new	ADJ
cblr-14250	170	47	deal	deal	NOUN
cblr-14250	170	48	,	,	PUNCT
cblr-14250	170	49	but	but	CCONJ
cblr-14250	170	50	retrenched	retrenched	ADJ
cblr-14250	170	51	following	follow	VERB
cblr-14250	170	52	the	the	DET
cblr-14250	170	53	reagan	reagan	NOUN
cblr-14250	170	54	revolution.26	revolution.26	ADJ
cblr-14250	170	55	although	although	SCONJ
cblr-14250	170	56	the	the	DET
cblr-14250	170	57	competing	compete	VERB
cblr-14250	170	58	definitions	definition	NOUN
cblr-14250	170	59	suggest	suggest	VERB
cblr-14250	170	60	the	the	DET
cblr-14250	170	61	diminution	diminution	NOUN
cblr-14250	170	62	of	of	ADP
cblr-14250	170	63	supervisory	supervisory	ADJ
cblr-14250	170	64	authority	authority	NOUN
cblr-14250	170	65	over	over	ADP
cblr-14250	170	66	this	this	DET
cblr-14250	170	67	period	period	NOUN
cblr-14250	170	68	,	,	PUNCT
cblr-14250	170	69	just	just	ADV
cblr-14250	170	70	the	the	DET
cblr-14250	170	71	opposite	opposite	ADJ
cblr-14250	170	72	occurred	occur	VERB
cblr-14250	170	73	.	.	PUNCT
cblr-14250	171	1	supervisors	supervisor	NOUN
cblr-14250	171	2	in	in	ADP
cblr-14250	171	3	the	the	DET
cblr-14250	171	4	twenty	twenty	NUM
cblr-14250	171	5	-	-	PUNCT
cblr-14250	171	6	first	first	ADJ
cblr-14250	171	7	century	century	NOUN
cblr-14250	171	8	must	must	AUX
cblr-14250	171	9	tackle	tackle	VERB
cblr-14250	171	10	even	even	ADV
cblr-14250	171	11	more	more	ADJ
cblr-14250	171	12	responsibilities	responsibility	NOUN
cblr-14250	171	13	—	—	PUNCT
cblr-14250	171	14	from	from	ADP
cblr-14250	171	15	cyber	cyber	ADJ
cblr-14250	171	16	security	security	NOUN
cblr-14250	171	17	to	to	ADP
cblr-14250	171	18	civil	civil	ADJ
cblr-14250	171	19	rights	right	NOUN
cblr-14250	171	20	—	—	PUNCT
cblr-14250	171	21	than	than	ADP
cblr-14250	171	22	in	in	ADP
cblr-14250	171	23	1954	1954	NUM
cblr-14250	171	24	.	.	PUNCT
cblr-14250	172	1	the	the	DET
cblr-14250	172	2	conceptual	conceptual	ADJ
cblr-14250	172	3	question	question	NOUN
cblr-14250	172	4	,	,	PUNCT
cblr-14250	172	5	then	then	ADV
cblr-14250	172	6	,	,	PUNCT
cblr-14250	172	7	of	of	ADP
cblr-14250	172	8	what	what	DET
cblr-14250	172	9	supervision	supervision	NOUN
cblr-14250	172	10	is	be	AUX
cblr-14250	172	11	at	at	ADP
cblr-14250	172	12	its	its	PRON
cblr-14250	172	13	foundation	foundation	NOUN
cblr-14250	172	14	in	in	ADP
cblr-14250	172	15	the	the	DET
cblr-14250	172	16	face	face	NOUN
cblr-14250	172	17	of	of	ADP
cblr-14250	172	18	these	these	DET
cblr-14250	172	19	many	many	ADJ
cblr-14250	172	20	responsibilities	responsibility	NOUN
cblr-14250	172	21	,	,	PUNCT
cblr-14250	172	22	still	still	ADV
cblr-14250	172	23	requires	require	VERB
cblr-14250	172	24	an	an	DET
cblr-14250	172	25	answer	answer	NOUN
cblr-14250	172	26	.	.	PUNCT
cblr-14250	173	1	25	25	NUM
cblr-14250	173	2	bd	bd	PROPN
cblr-14250	173	3	.	.	PROPN
cblr-14250	173	4	of	of	ADP
cblr-14250	173	5	governors	governor	NOUN
cblr-14250	173	6	of	of	ADP
cblr-14250	173	7	the	the	DET
cblr-14250	173	8	fed	fed	PROPN
cblr-14250	173	9	.	.	PUNCT
cblr-14250	173	10	rsrv	rsrv	PROPN
cblr-14250	173	11	.	.	PUNCT
cblr-14250	174	1	sys	sys	PROPN
cblr-14250	174	2	.	.	PROPN
cblr-14250	174	3	,	,	PUNCT
cblr-14250	174	4	the	the	DET
cblr-14250	174	5	federal	federal	PROPN
cblr-14250	174	6	reserve	reserve	PROPN
cblr-14250	174	7	system	system	NOUN
cblr-14250	174	8	purposes	purpose	NOUN
cblr-14250	174	9	&	&	CCONJ
cblr-14250	174	10	functions	function	NOUN
cblr-14250	174	11	166–67	166–67	NUM
cblr-14250	174	12	(	(	PUNCT
cblr-14250	174	13	3rd	3rd	ADJ
cblr-14250	174	14	ed	ed	NOUN
cblr-14250	174	15	.	.	PUNCT
cblr-14250	175	1	1954	1954	NUM
cblr-14250	175	2	)	)	PUNCT
cblr-14250	175	3	.	.	PUNCT
cblr-14250	176	1	26	26	NUM
cblr-14250	176	2	see	see	VERB
cblr-14250	176	3	,	,	PUNCT
cblr-14250	176	4	e.g.	e.g.	ADV
cblr-14250	176	5	,	,	PUNCT
cblr-14250	176	6	martha	martha	PROPN
cblr-14250	176	7	derthick	derthick	PROPN
cblr-14250	176	8	&	&	CCONJ
cblr-14250	176	9	paul	paul	PROPN
cblr-14250	176	10	j.	j.	PROPN
cblr-14250	176	11	quirk	quirk	PROPN
cblr-14250	176	12	,	,	PUNCT
cblr-14250	176	13	the	the	DET
cblr-14250	176	14	politics	politic	NOUN
cblr-14250	176	15	of	of	ADP
cblr-14250	176	16	deregulation	deregulation	NOUN
cblr-14250	176	17	(	(	PUNCT
cblr-14250	176	18	1985	1985	NUM
cblr-14250	176	19	)	)	PUNCT
cblr-14250	176	20	;	;	PUNCT
cblr-14250	176	21	richard	richard	PROPN
cblr-14250	176	22	a.	a.	PROPN
cblr-14250	176	23	harris	harris	PROPN
cblr-14250	176	24	&	&	CCONJ
cblr-14250	176	25	sidney	sidney	PROPN
cblr-14250	176	26	m.	m.	PROPN
cblr-14250	176	27	milkis	milkis	PROPN
cblr-14250	176	28	,	,	PUNCT
cblr-14250	176	29	the	the	DET
cblr-14250	176	30	politics	politic	NOUN
cblr-14250	176	31	of	of	ADP
cblr-14250	176	32	regulatory	regulatory	ADJ
cblr-14250	176	33	change	change	NOUN
cblr-14250	176	34	:	:	PUNCT
cblr-14250	176	35	a	a	DET
cblr-14250	176	36	tale	tale	NOUN
cblr-14250	176	37	of	of	ADP
cblr-14250	176	38	two	two	NUM
cblr-14250	176	39	agencies	agency	NOUN
cblr-14250	176	40	(	(	PUNCT
cblr-14250	176	41	1989	1989	NUM
cblr-14250	176	42	)	)	PUNCT
cblr-14250	176	43	.	.	PUNCT
cblr-14250	177	1	for	for	ADP
cblr-14250	177	2	a	a	DET
cblr-14250	177	3	general	general	ADJ
cblr-14250	177	4	overview	overview	NOUN
cblr-14250	177	5	,	,	PUNCT
cblr-14250	177	6	see	see	VERB
cblr-14250	177	7	david	david	PROPN
cblr-14250	177	8	harvey	harvey	PROPN
cblr-14250	177	9	,	,	PUNCT
cblr-14250	177	10	a	a	DET
cblr-14250	177	11	brief	brief	ADJ
cblr-14250	177	12	history	history	NOUN
cblr-14250	177	13	of	of	ADP
cblr-14250	177	14	neoliberalism	neoliberalism	NOUN
cblr-14250	177	15	(	(	PUNCT
cblr-14250	177	16	2005	2005	NUM
cblr-14250	177	17	)	)	PUNCT
cblr-14250	177	18	.	.	PUNCT
cblr-14250	178	1	144	144	NUM
cblr-14250	178	2	columbia	columbia	PROPN
cblr-14250	178	3	business	business	PROPN
cblr-14250	178	4	law	law	PROPN
cblr-14250	178	5	review	review	NOUN
cblr-14250	178	6	[	[	X
cblr-14250	178	7	vol	vol	NOUN
cblr-14250	178	8	.	.	PUNCT
cblr-14250	178	9	2025	2025	NUM
cblr-14250	178	10	legal	legal	ADJ
cblr-14250	178	11	scholars	scholar	NOUN
cblr-14250	178	12	,	,	PUNCT
cblr-14250	178	13	historians	historian	NOUN
cblr-14250	178	14	,	,	PUNCT
cblr-14250	178	15	and	and	CCONJ
cblr-14250	178	16	economists	economist	NOUN
cblr-14250	178	17	have	have	AUX
cblr-14250	178	18	recently	recently	ADV
cblr-14250	178	19	begun	begin	VERB
cblr-14250	178	20	to	to	PART
cblr-14250	178	21	pursue	pursue	VERB
cblr-14250	178	22	this	this	DET
cblr-14250	178	23	conceptual	conceptual	ADJ
cblr-14250	178	24	work	work	NOUN
cblr-14250	178	25	,	,	PUNCT
cblr-14250	178	26	typically	typically	ADV
cblr-14250	178	27	to	to	PART
cblr-14250	178	28	build	build	VERB
cblr-14250	178	29	historical	historical	ADJ
cblr-14250	178	30	foundations	foundation	NOUN
cblr-14250	178	31	for	for	ADP
cblr-14250	178	32	normative	normative	ADJ
cblr-14250	178	33	claims	claim	NOUN
cblr-14250	178	34	about	about	ADP
cblr-14250	178	35	how	how	SCONJ
cblr-14250	178	36	supervision	supervision	NOUN
cblr-14250	178	37	should	should	AUX
cblr-14250	178	38	function	function	VERB
cblr-14250	178	39	in	in	ADP
cblr-14250	178	40	the	the	DET
cblr-14250	178	41	present	present	NOUN
cblr-14250	178	42	.	.	PUNCT
cblr-14250	179	1	economic	economic	ADJ
cblr-14250	179	2	historian	historian	PROPN
cblr-14250	179	3	eugene	eugene	PROPN
cblr-14250	179	4	white	white	PROPN
cblr-14250	179	5	,	,	PUNCT
cblr-14250	179	6	for	for	ADP
cblr-14250	179	7	example	example	NOUN
cblr-14250	179	8	,	,	PUNCT
cblr-14250	179	9	views	view	VERB
cblr-14250	179	10	federal	federal	ADJ
cblr-14250	179	11	supervision	supervision	NOUN
cblr-14250	179	12	as	as	ADP
cblr-14250	179	13	a	a	DET
cblr-14250	179	14	constant	constant	ADJ
cblr-14250	179	15	tug	tug	NOUN
cblr-14250	179	16	between	between	ADP
cblr-14250	179	17	regimes	regime	NOUN
cblr-14250	179	18	that	that	PRON
cblr-14250	179	19	embrace	embrace	VERB
cblr-14250	179	20	strictly	strictly	ADV
cblr-14250	179	21	rulesbased	rulesbase	VERB
cblr-14250	179	22	,	,	PUNCT
cblr-14250	179	23	market	market	NOUN
cblr-14250	179	24	discipline	discipline	NOUN
cblr-14250	179	25	—	—	PUNCT
cblr-14250	179	26	his	his	PRON
cblr-14250	179	27	preference	preference	NOUN
cblr-14250	179	28	—	—	PUNCT
cblr-14250	179	29	and	and	CCONJ
cblr-14250	179	30	those	those	PRON
cblr-14250	179	31	that	that	PRON
cblr-14250	179	32	rely	rely	VERB
cblr-14250	179	33	more	more	ADV
cblr-14250	179	34	heavily	heavily	ADV
cblr-14250	179	35	on	on	ADP
cblr-14250	179	36	supervisory	supervisory	ADJ
cblr-14250	179	37	discretion.27	discretion.27	PROPN
cblr-14250	179	38	economic	economic	PROPN
cblr-14250	179	39	historians	historians	PROPN
cblr-14250	179	40	charles	charles	PROPN
cblr-14250	179	41	calomiris	calomiris	PROPN
cblr-14250	179	42	and	and	CCONJ
cblr-14250	179	43	mark	mark	PROPN
cblr-14250	179	44	carlson	carlson	PROPN
cblr-14250	179	45	see	see	VERB
cblr-14250	179	46	the	the	DET
cblr-14250	179	47	role	role	NOUN
cblr-14250	179	48	of	of	ADP
cblr-14250	179	49	examiner	examiner	NOUN
cblr-14250	179	50	in	in	ADP
cblr-14250	179	51	the	the	DET
cblr-14250	179	52	late	late	ADJ
cblr-14250	179	53	nineteenth	nineteenth	ADJ
cblr-14250	179	54	century	century	NOUN
cblr-14250	179	55	in	in	ADP
cblr-14250	179	56	a	a	DET
cblr-14250	179	57	similar	similar	ADJ
cblr-14250	179	58	way	way	NOUN
cblr-14250	179	59	,	,	PUNCT
cblr-14250	179	60	focusing	focus	VERB
cblr-14250	179	61	primarily	primarily	ADV
cblr-14250	179	62	on	on	ADP
cblr-14250	179	63	their	their	PRON
cblr-14250	179	64	roles	role	NOUN
cblr-14250	179	65	in	in	ADP
cblr-14250	179	66	risk	risk	NOUN
cblr-14250	179	67	management	management	NOUN
cblr-14250	179	68	and	and	CCONJ
cblr-14250	179	69	information	information	NOUN
cblr-14250	179	70	disclosures.28	disclosures.28	NOUN
cblr-14250	179	71	legal	legal	ADJ
cblr-14250	179	72	scholars	scholar	NOUN
cblr-14250	179	73	,	,	PUNCT
cblr-14250	179	74	meanwhile	meanwhile	ADV
cblr-14250	179	75	,	,	PUNCT
cblr-14250	179	76	have	have	AUX
cblr-14250	179	77	proposed	propose	VERB
cblr-14250	179	78	supervision	supervision	NOUN
cblr-14250	179	79	as	as	ADP
cblr-14250	179	80	more	more	ADV
cblr-14250	179	81	durable	durable	ADJ
cblr-14250	179	82	legal	legal	ADJ
cblr-14250	179	83	structures	structure	NOUN
cblr-14250	179	84	in	in	ADP
cblr-14250	179	85	a	a	DET
cblr-14250	179	86	more	more	ADV
cblr-14250	179	87	systematic	systematic	ADJ
cblr-14250	179	88	,	,	PUNCT
cblr-14250	179	89	consistent	consistent	ADJ
cblr-14250	179	90	way	way	NOUN
cblr-14250	179	91	.	.	PUNCT
cblr-14250	180	1	for	for	ADP
cblr-14250	180	2	example	example	NOUN
cblr-14250	180	3	,	,	PUNCT
cblr-14250	180	4	lev	lev	NOUN
cblr-14250	180	5	menand	menand	PROPN
cblr-14250	180	6	offers	offer	VERB
cblr-14250	180	7	a	a	DET
cblr-14250	180	8	variety	variety	NOUN
cblr-14250	180	9	of	of	ADP
cblr-14250	180	10	taxonomic	taxonomic	ADJ
cblr-14250	180	11	categories	category	NOUN
cblr-14250	180	12	,	,	PUNCT
cblr-14250	180	13	including	include	VERB
cblr-14250	180	14	“	"	PUNCT
cblr-14250	180	15	supervisors	supervisor	NOUN
cblr-14250	180	16	as	as	ADP
cblr-14250	180	17	rule	rule	NOUN
cblr-14250	180	18	enforcers	enforcer	NOUN
cblr-14250	180	19	,	,	PUNCT
cblr-14250	180	20	”	"	PUNCT
cblr-14250	180	21	“	"	PUNCT
cblr-14250	180	22	discipline	discipline	NOUN
cblr-14250	180	23	facilitators	facilitator	NOUN
cblr-14250	180	24	,	,	PUNCT
cblr-14250	180	25	”	"	PUNCT
cblr-14250	180	26	and	and	CCONJ
cblr-14250	180	27	“	"	PUNCT
cblr-14250	180	28	gap	gap	NOUN
cblr-14250	180	29	fillers	filler	NOUN
cblr-14250	180	30	,	,	PUNCT
cblr-14250	180	31	”	"	PUNCT
cblr-14250	180	32	among	among	ADP
cblr-14250	180	33	others.29	others.29	NOUN
cblr-14250	180	34	but	but	CCONJ
cblr-14250	180	35	the	the	DET
cblr-14250	180	36	historical	historical	ADJ
cblr-14250	180	37	record	record	NOUN
cblr-14250	180	38	often	often	ADV
cblr-14250	180	39	resists	resist	VERB
cblr-14250	180	40	such	such	ADJ
cblr-14250	180	41	stability	stability	NOUN
cblr-14250	180	42	,	,	PUNCT
cblr-14250	180	43	and	and	CCONJ
cblr-14250	180	44	the	the	DET
cblr-14250	180	45	role	role	NOUN
cblr-14250	180	46	menand	menand	NOUN
cblr-14250	180	47	envisions	envision	VERB
cblr-14250	180	48	for	for	ADP
cblr-14250	180	49	supervision	supervision	NOUN
cblr-14250	180	50	—	—	PUNCT
cblr-14250	180	51	as	as	ADP
cblr-14250	180	52	part	part	NOUN
cblr-14250	180	53	of	of	ADP
cblr-14250	180	54	a	a	DET
cblr-14250	180	55	longsettled	longsettled	ADJ
cblr-14250	180	56	institutional	institutional	ADJ
cblr-14250	180	57	framework	framework	NOUN
cblr-14250	180	58	created	create	VERB
cblr-14250	180	59	by	by	ADP
cblr-14250	180	60	far	far	ADV
cblr-14250	180	61	-	-	PUNCT
cblr-14250	180	62	seeing	see	VERB
cblr-14250	180	63	legislators	legislator	NOUN
cblr-14250	180	64	—	—	PUNCT
cblr-14250	180	65	is	be	AUX
cblr-14250	180	66	incompatible	incompatible	ADJ
cblr-14250	180	67	with	with	ADP
cblr-14250	180	68	history	history	NOUN
cblr-14250	180	69	.	.	PUNCT
cblr-14250	181	1	menand	menand	PROPN
cblr-14250	181	2	’s	’s	PART
cblr-14250	181	3	effort	effort	NOUN
cblr-14250	181	4	,	,	PUNCT
cblr-14250	181	5	consistent	consistent	ADJ
cblr-14250	181	6	with	with	ADP
cblr-14250	181	7	a	a	DET
cblr-14250	181	8	growing	grow	VERB
cblr-14250	181	9	scholarly	scholarly	ADJ
cblr-14250	181	10	tradition	tradition	NOUN
cblr-14250	181	11	at	at	ADP
cblr-14250	181	12	the	the	DET
cblr-14250	181	13	intersection	intersection	NOUN
cblr-14250	181	14	of	of	ADP
cblr-14250	181	15	law	law	NOUN
cblr-14250	181	16	,	,	PUNCT
cblr-14250	181	17	economics	economic	NOUN
cblr-14250	181	18	,	,	PUNCT
cblr-14250	181	19	and	and	CCONJ
cblr-14250	181	20	history	history	NOUN
cblr-14250	181	21	sometimes	sometimes	ADV
cblr-14250	181	22	called	call	VERB
cblr-14250	181	23	“	"	PUNCT
cblr-14250	181	24	the	the	DET
cblr-14250	181	25	money	money	NOUN
cblr-14250	181	26	view	view	NOUN
cblr-14250	181	27	,	,	PUNCT
cblr-14250	181	28	”	"	PUNCT
cblr-14250	181	29	would	would	AUX
cblr-14250	181	30	systematize	systematize	VERB
cblr-14250	181	31	supervision	supervision	NOUN
cblr-14250	181	32	under	under	ADP
cblr-14250	181	33	a	a	DET
cblr-14250	181	34	different	different	ADJ
cblr-14250	181	35	,	,	PUNCT
cblr-14250	181	36	normative	normative	ADJ
cblr-14250	181	37	framework	framework	NOUN
cblr-14250	181	38	:	:	PUNCT
cblr-14250	181	39	supervisors	supervisor	NOUN
cblr-14250	181	40	are	be	AUX
cblr-14250	181	41	27	27	NUM
cblr-14250	181	42	see	see	VERB
cblr-14250	181	43	eugene	eugene	PROPN
cblr-14250	181	44	white	white	ADJ
cblr-14250	181	45	,	,	PUNCT
cblr-14250	181	46	lessons	lesson	NOUN
cblr-14250	181	47	from	from	ADP
cblr-14250	181	48	the	the	DET
cblr-14250	181	49	history	history	NOUN
cblr-14250	181	50	of	of	ADP
cblr-14250	181	51	bank	bank	NOUN
cblr-14250	181	52	examination	examination	NOUN
cblr-14250	181	53	and	and	CCONJ
cblr-14250	181	54	supervision	supervision	NOUN
cblr-14250	181	55	in	in	ADP
cblr-14250	181	56	the	the	DET
cblr-14250	181	57	united	united	PROPN
cblr-14250	181	58	states	states	PROPN
cblr-14250	181	59	,	,	PUNCT
cblr-14250	181	60	1863	1863	NUM
cblr-14250	181	61	-	-	SYM
cblr-14250	181	62	2008	2008	NUM
cblr-14250	181	63	(	(	PUNCT
cblr-14250	181	64	fin	fin	NOUN
cblr-14250	181	65	.	.	PUNCT
cblr-14250	182	1	mkt	mkt	PROPN
cblr-14250	182	2	.	.	PUNCT
cblr-14250	182	3	regul	regul	PROPN
cblr-14250	182	4	.	.	PUNCT
cblr-14250	183	1	in	in	ADP
cblr-14250	183	2	the	the	DET
cblr-14250	183	3	wake	wake	NOUN
cblr-14250	183	4	of	of	ADP
cblr-14250	183	5	fin	fin	NOUN
cblr-14250	183	6	.	.	PUNCT
cblr-14250	184	1	crises	crisis	NOUN
cblr-14250	184	2	:	:	PUNCT
cblr-14250	184	3	the	the	DET
cblr-14250	184	4	hist	hist	PROPN
cblr-14250	184	5	.	.	PUNCT
cblr-14250	185	1	experience	experience	NOUN
cblr-14250	185	2	conf	conf	PROPN
cblr-14250	185	3	.	.	PUNCT
cblr-14250	185	4	,	,	PUNCT
cblr-14250	185	5	at	at	ADP
cblr-14250	185	6	15	15	NUM
cblr-14250	185	7	,	,	PUNCT
cblr-14250	185	8	(	(	PUNCT
cblr-14250	185	9	2009	2009	NUM
cblr-14250	185	10	)	)	PUNCT
cblr-14250	185	11	)	)	PUNCT
cblr-14250	185	12	,	,	PUNCT
cblr-14250	185	13	available	available	ADJ
cblr-14250	185	14	at	at	ADP
cblr-14250	185	15	https://ssrn.com/abstract=2101709	https://ssrn.com/abstract=2101709	PROPN
cblr-14250	186	1	[	[	X
cblr-14250	186	2	https://perma.cc/se6g-9w7y	https://perma.cc/se6g-9w7y	PROPN
cblr-14250	186	3	]	]	X
cblr-14250	186	4	.	.	PUNCT
cblr-14250	187	1	28	28	NUM
cblr-14250	187	2	see	see	VERB
cblr-14250	187	3	charles	charles	PROPN
cblr-14250	187	4	w.	w.	PROPN
cblr-14250	187	5	calomiris	calomiris	PROPN
cblr-14250	187	6	&	&	CCONJ
cblr-14250	187	7	mark	mark	PROPN
cblr-14250	187	8	a.	a.	PROPN
cblr-14250	187	9	carlson	carlson	PROPN
cblr-14250	187	10	,	,	PUNCT
cblr-14250	187	11	bank	bank	NOUN
cblr-14250	187	12	examiners	examiner	NOUN
cblr-14250	187	13	’	’	PART
cblr-14250	187	14	information	information	NOUN
cblr-14250	187	15	and	and	CCONJ
cblr-14250	187	16	expertise	expertise	NOUN
cblr-14250	187	17	and	and	CCONJ
cblr-14250	187	18	their	their	PRON
cblr-14250	187	19	role	role	NOUN
cblr-14250	187	20	in	in	ADP
cblr-14250	187	21	monitoring	monitoring	NOUN
cblr-14250	187	22	and	and	CCONJ
cblr-14250	187	23	disciplining	discipline	VERB
cblr-14250	187	24	banks	bank	NOUN
cblr-14250	187	25	before	before	ADP
cblr-14250	187	26	and	and	CCONJ
cblr-14250	187	27	during	during	ADP
cblr-14250	187	28	the	the	DET
cblr-14250	187	29	panic	panic	NOUN
cblr-14250	187	30	of	of	ADP
cblr-14250	187	31	1893	1893	NUM
cblr-14250	187	32	(	(	PUNCT
cblr-14250	187	33	nat’l	nat’l	NUM
cblr-14250	187	34	bureau	bureau	PROPN
cblr-14250	187	35	of	of	ADP
cblr-14250	187	36	econ	econ	PROPN
cblr-14250	187	37	.	.	PUNCT
cblr-14250	188	1	rsch	rsch	PROPN
cblr-14250	188	2	.	.	PUNCT
cblr-14250	188	3	,	,	PUNCT
cblr-14250	189	1	working	work	VERB
cblr-14250	189	2	paper	paper	NOUN
cblr-14250	189	3	no	no	INTJ
cblr-14250	189	4	.	.	PROPN
cblr-14250	189	5	24460	24460	NUM
cblr-14250	189	6	,	,	PUNCT
cblr-14250	189	7	2018	2018	NUM
cblr-14250	189	8	)	)	PUNCT
cblr-14250	189	9	,	,	PUNCT
cblr-14250	189	10	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3154244	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3154244	ADP
cblr-14250	189	11	[	[	X
cblr-14250	189	12	https://perma.cc/r52a-aexk	https://perma.cc/r52a-aexk	PROPN
cblr-14250	189	13	]	]	PUNCT
cblr-14250	189	14	.	.	PUNCT
cblr-14250	190	1	29	29	NUM
cblr-14250	190	2	menand	menand	PROPN
cblr-14250	190	3	,	,	PUNCT
cblr-14250	190	4	why	why	SCONJ
cblr-14250	190	5	supervise	supervise	VERB
cblr-14250	190	6	banks	bank	NOUN
cblr-14250	190	7	,	,	PUNCT
cblr-14250	190	8	supra	supra	PROPN
cblr-14250	190	9	note	note	NOUN
cblr-14250	190	10	7	7	NUM
cblr-14250	190	11	.	.	PUNCT
cblr-14250	191	1	no	no	INTJ
cblr-14250	191	2	.	.	NOUN
cblr-14250	191	3	1	1	NUM
cblr-14250	191	4	]	]	PUNCT
cblr-14250	191	5	risk	risk	NOUN
cblr-14250	191	6	,	,	PUNCT
cblr-14250	191	7	discretion	discretion	NOUN
cblr-14250	191	8	,	,	PUNCT
cblr-14250	191	9	and	and	CCONJ
cblr-14250	191	10	bank	bank	NOUN
cblr-14250	191	11	supervision	supervision	NOUN
cblr-14250	191	12	145	145	NUM
cblr-14250	191	13	“	"	PUNCT
cblr-14250	191	14	franchisors	franchisor	NOUN
cblr-14250	191	15	,	,	PUNCT
cblr-14250	191	16	”	"	PUNCT
cblr-14250	191	17	guardians	guardian	NOUN
cblr-14250	191	18	of	of	ADP
cblr-14250	191	19	the	the	DET
cblr-14250	191	20	monetary	monetary	ADJ
cblr-14250	191	21	franchise	franchise	NOUN
cblr-14250	191	22	outsourced	outsource	VERB
cblr-14250	191	23	by	by	ADP
cblr-14250	191	24	the	the	DET
cblr-14250	191	25	government	government	NOUN
cblr-14250	191	26	to	to	PART
cblr-14250	191	27	banks.30	banks.30	VERB
cblr-14250	191	28	menand	menand	PROPN
cblr-14250	191	29	views	view	NOUN
cblr-14250	191	30	supervision	supervision	NOUN
cblr-14250	191	31	,	,	PUNCT
cblr-14250	191	32	then	then	ADV
cblr-14250	191	33	,	,	PUNCT
cblr-14250	191	34	as	as	ADP
cblr-14250	191	35	vital	vital	ADJ
cblr-14250	191	36	to	to	ADP
cblr-14250	191	37	what	what	PRON
cblr-14250	191	38	he	he	PRON
cblr-14250	191	39	calls	call	VERB
cblr-14250	191	40	the	the	DET
cblr-14250	191	41	american	american	PROPN
cblr-14250	191	42	monetary	monetary	ADJ
cblr-14250	191	43	settlement	settlement	NOUN
cblr-14250	191	44	created	create	VERB
cblr-14250	191	45	during	during	ADP
cblr-14250	191	46	the	the	DET
cblr-14250	191	47	civil	civil	ADJ
cblr-14250	191	48	war	war	NOUN
cblr-14250	191	49	that	that	PRON
cblr-14250	191	50	,	,	PUNCT
cblr-14250	191	51	in	in	ADP
cblr-14250	191	52	his	his	PRON
cblr-14250	191	53	view	view	NOUN
cblr-14250	191	54	,	,	PUNCT
cblr-14250	191	55	reflects	reflect	VERB
cblr-14250	191	56	the	the	DET
cblr-14250	191	57	most	most	ADV
cblr-14250	191	58	normatively	normatively	ADV
cblr-14250	191	59	desirable	desirable	ADJ
cblr-14250	191	60	structure	structure	NOUN
cblr-14250	191	61	of	of	ADP
cblr-14250	191	62	finance	finance	NOUN
cblr-14250	191	63	into	into	ADP
cblr-14250	191	64	the	the	DET
cblr-14250	191	65	twenty	twenty	NUM
cblr-14250	191	66	-	-	PUNCT
cblr-14250	191	67	first	first	ADJ
cblr-14250	191	68	century	century	NOUN
cblr-14250	191	69	.	.	PUNCT
cblr-14250	192	1	what	what	PRON
cblr-14250	192	2	this	this	DET
cblr-14250	192	3	theory	theory	NOUN
cblr-14250	192	4	is	be	AUX
cblr-14250	192	5	missing	miss	VERB
cblr-14250	192	6	is	be	AUX
cblr-14250	192	7	an	an	DET
cblr-14250	192	8	account	account	NOUN
cblr-14250	192	9	of	of	ADP
cblr-14250	192	10	what	what	DET
cblr-14250	192	11	supervision	supervision	NOUN
cblr-14250	192	12	has	have	AUX
cblr-14250	192	13	been	be	AUX
cblr-14250	192	14	in	in	ADP
cblr-14250	192	15	the	the	DET
cblr-14250	192	16	160	160	NUM
cblr-14250	192	17	years	year	NOUN
cblr-14250	192	18	since	since	SCONJ
cblr-14250	192	19	the	the	DET
cblr-14250	192	20	lincoln	lincoln	PROPN
cblr-14250	192	21	administration	administration	PROPN
cblr-14250	192	22	.	.	PUNCT
cblr-14250	193	1	b.	b.	PROPN
cblr-14250	193	2	epistemologies	epistemology	NOUN
cblr-14250	193	3	of	of	ADP
cblr-14250	193	4	supervision	supervision	NOUN
cblr-14250	193	5	to	to	PART
cblr-14250	193	6	understand	understand	VERB
cblr-14250	193	7	how	how	SCONJ
cblr-14250	193	8	bank	bank	NOUN
cblr-14250	193	9	supervision	supervision	NOUN
cblr-14250	193	10	operates	operate	VERB
cblr-14250	193	11	as	as	ADP
cblr-14250	193	12	a	a	DET
cblr-14250	193	13	system	system	NOUN
cblr-14250	193	14	,	,	PUNCT
cblr-14250	193	15	we	we	PRON
cblr-14250	193	16	begin	begin	VERB
cblr-14250	193	17	with	with	ADP
cblr-14250	193	18	a	a	DET
cblr-14250	193	19	typology	typology	NOUN
cblr-14250	193	20	that	that	PRON
cblr-14250	193	21	shows	show	VERB
cblr-14250	193	22	how	how	SCONJ
cblr-14250	193	23	it	it	PRON
cblr-14250	193	24	sits	sit	VERB
cblr-14250	193	25	alongside	alongside	ADP
cblr-14250	193	26	its	its	PRON
cblr-14250	193	27	alternatives	alternative	NOUN
cblr-14250	193	28	.	.	PUNCT
cblr-14250	194	1	the	the	DET
cblr-14250	194	2	typology	typology	NOUN
cblr-14250	194	3	has	have	VERB
cblr-14250	194	4	two	two	NUM
cblr-14250	194	5	parts	part	NOUN
cblr-14250	194	6	.	.	PUNCT
cblr-14250	195	1	first	first	ADJ
cblr-14250	195	2	,	,	PUNCT
cblr-14250	195	3	supervision	supervision	NOUN
cblr-14250	195	4	functions	function	NOUN
cblr-14250	195	5	as	as	ADP
cblr-14250	195	6	a	a	DET
cblr-14250	195	7	distinct	distinct	ADJ
cblr-14250	195	8	mechanism	mechanism	NOUN
cblr-14250	195	9	of	of	ADP
cblr-14250	195	10	legal	legal	ADJ
cblr-14250	195	11	obedience	obedience	NOUN
cblr-14250	195	12	—	—	PUNCT
cblr-14250	195	13	a	a	DET
cblr-14250	195	14	means	mean	NOUN
cblr-14250	195	15	by	by	ADP
cblr-14250	195	16	which	which	PRON
cblr-14250	195	17	government	government	NOUN
cblr-14250	195	18	or	or	CCONJ
cblr-14250	195	19	private	private	ADJ
cblr-14250	195	20	actors	actor	NOUN
cblr-14250	195	21	seek	seek	VERB
cblr-14250	195	22	to	to	PART
cblr-14250	195	23	alter	alter	VERB
cblr-14250	195	24	behavior	behavior	NOUN
cblr-14250	195	25	.	.	PUNCT
cblr-14250	196	1	these	these	DET
cblr-14250	196	2	mechanisms	mechanism	NOUN
cblr-14250	196	3	can	can	AUX
cblr-14250	196	4	be	be	AUX
cblr-14250	196	5	displayed	display	VERB
cblr-14250	196	6	on	on	ADP
cblr-14250	196	7	two	two	NUM
cblr-14250	196	8	axes	axis	NOUN
cblr-14250	196	9	:	:	PUNCT
cblr-14250	196	10	the	the	DET
cblr-14250	196	11	first	first	ADJ
cblr-14250	196	12	being	be	AUX
cblr-14250	196	13	a	a	DET
cblr-14250	196	14	choice	choice	NOUN
cblr-14250	196	15	between	between	ADP
cblr-14250	196	16	public	public	ADJ
cblr-14250	196	17	and	and	CCONJ
cblr-14250	196	18	private	private	ADJ
cblr-14250	196	19	mechanisms	mechanism	NOUN
cblr-14250	196	20	,	,	PUNCT
cblr-14250	196	21	the	the	DET
cblr-14250	196	22	second	second	ADJ
cblr-14250	196	23	being	be	AUX
cblr-14250	196	24	the	the	DET
cblr-14250	196	25	exercise	exercise	NOUN
cblr-14250	196	26	of	of	ADP
cblr-14250	196	27	coercive	coercive	ADJ
cblr-14250	196	28	or	or	CCONJ
cblr-14250	196	29	non	non	ADJ
cblr-14250	196	30	-	-	ADJ
cblr-14250	196	31	coercive	coercive	ADJ
cblr-14250	196	32	power	power	NOUN
cblr-14250	196	33	.	.	PUNCT
cblr-14250	197	1	in	in	ADP
cblr-14250	197	2	this	this	DET
cblr-14250	197	3	sense	sense	NOUN
cblr-14250	197	4	,	,	PUNCT
cblr-14250	197	5	supervision	supervision	NOUN
cblr-14250	197	6	represents	represent	VERB
cblr-14250	197	7	a	a	DET
cblr-14250	197	8	choice	choice	NOUN
cblr-14250	197	9	for	for	ADP
cblr-14250	197	10	policymakers	policymaker	NOUN
cblr-14250	197	11	—	—	PUNCT
cblr-14250	197	12	principally	principally	ADV
cblr-14250	197	13	,	,	PUNCT
cblr-14250	197	14	but	but	CCONJ
cblr-14250	197	15	not	not	PART
cblr-14250	197	16	exclusively	exclusively	ADV
cblr-14250	197	17	,	,	PUNCT
cblr-14250	197	18	congress	congress	PROPN
cblr-14250	197	19	—	—	PUNCT
cblr-14250	197	20	distinct	distinct	ADJ
cblr-14250	197	21	from	from	ADP
cblr-14250	197	22	other	other	ADJ
cblr-14250	197	23	alternatives	alternative	NOUN
cblr-14250	197	24	.	.	PUNCT
cblr-14250	198	1	it	it	PRON
cblr-14250	198	2	is	be	AUX
cblr-14250	198	3	a	a	DET
cblr-14250	198	4	choice	choice	NOUN
cblr-14250	198	5	,	,	PUNCT
cblr-14250	198	6	as	as	SCONJ
cblr-14250	198	7	figure	figure	NOUN
cblr-14250	198	8	1	1	NUM
cblr-14250	198	9	indicates	indicate	VERB
cblr-14250	198	10	,	,	PUNCT
cblr-14250	198	11	which	which	PRON
cblr-14250	198	12	authorizes	authorize	VERB
cblr-14250	198	13	government	government	NOUN
cblr-14250	198	14	officials	official	NOUN
cblr-14250	198	15	to	to	PART
cblr-14250	198	16	exercise	exercise	VERB
cblr-14250	198	17	substantial	substantial	ADJ
cblr-14250	198	18	discretion	discretion	NOUN
cblr-14250	198	19	about	about	ADP
cblr-14250	198	20	how	how	SCONJ
cblr-14250	198	21	to	to	PART
cblr-14250	198	22	alter	alter	VERB
cblr-14250	198	23	behavior	behavior	NOUN
cblr-14250	198	24	.	.	PUNCT
cblr-14250	199	1	to	to	PART
cblr-14250	199	2	return	return	VERB
cblr-14250	199	3	to	to	ADP
cblr-14250	199	4	the	the	DET
cblr-14250	199	5	fed	fed	PROPN
cblr-14250	199	6	’s	’s	PART
cblr-14250	199	7	1954	1954	NUM
cblr-14250	199	8	definition	definition	NOUN
cblr-14250	199	9	,	,	PUNCT
cblr-14250	199	10	supervision	supervision	NOUN
cblr-14250	199	11	can	can	AUX
cblr-14250	199	12	involve	involve	VERB
cblr-14250	199	13	“	"	PUNCT
cblr-14250	199	14	the	the	DET
cblr-14250	199	15	rendering	rendering	NOUN
cblr-14250	199	16	of	of	ADP
cblr-14250	199	17	counsel	counsel	NOUN
cblr-14250	199	18	and	and	CCONJ
cblr-14250	199	19	advice	advice	NOUN
cblr-14250	199	20	”	"	PUNCT
cblr-14250	199	21	(	(	PUNCT
cblr-14250	199	22	private	private	ADJ
cblr-14250	199	23	,	,	PUNCT
cblr-14250	199	24	non	non	ADJ
cblr-14250	199	25	-	-	ADJ
cblr-14250	199	26	coercive	coercive	ADJ
cblr-14250	199	27	)	)	PUNCT
cblr-14250	199	28	,	,	PUNCT
cblr-14250	199	29	“	"	PUNCT
cblr-14250	199	30	requiring	require	VERB
cblr-14250	199	31	of	of	ADP
cblr-14250	199	32	steps	step	NOUN
cblr-14250	199	33	by	by	ADP
cblr-14250	199	34	bank	bank	NOUN
cblr-14250	199	35	management	management	NOUN
cblr-14250	199	36	to	to	PART
cblr-14250	199	37	correct	correct	VERB
cblr-14250	199	38	unsatisfactory	unsatisfactory	ADJ
cblr-14250	199	39	or	or	CCONJ
cblr-14250	199	40	unsound	unsound	ADJ
cblr-14250	199	41	conditions	condition	NOUN
cblr-14250	199	42	found	find	VERB
cblr-14250	199	43	through	through	ADP
cblr-14250	199	44	such	such	ADJ
cblr-14250	199	45	30	30	NUM
cblr-14250	199	46	for	for	ADP
cblr-14250	199	47	key	key	ADJ
cblr-14250	199	48	works	work	NOUN
cblr-14250	199	49	in	in	ADP
cblr-14250	199	50	the	the	DET
cblr-14250	199	51	money	money	NOUN
cblr-14250	199	52	view	view	NOUN
cblr-14250	199	53	tradition	tradition	NOUN
cblr-14250	199	54	,	,	PUNCT
cblr-14250	199	55	see	see	VERB
cblr-14250	199	56	hyman	hyman	PROPN
cblr-14250	199	57	minsky	minsky	PROPN
cblr-14250	199	58	,	,	PUNCT
cblr-14250	199	59	the	the	DET
cblr-14250	199	60	financial	financial	ADJ
cblr-14250	199	61	instability	instability	NOUN
cblr-14250	199	62	hypothesis	hypothesis	NOUN
cblr-14250	199	63	(	(	PUNCT
cblr-14250	199	64	levy	levy	NOUN
cblr-14250	199	65	econ	econ	X
cblr-14250	199	66	.	.	PUNCT
cblr-14250	199	67	inst	inst	PROPN
cblr-14250	199	68	.	.	PROPN
cblr-14250	199	69	of	of	ADP
cblr-14250	199	70	bard	bard	PROPN
cblr-14250	199	71	coll	coll	PROPN
cblr-14250	199	72	.	.	PUNCT
cblr-14250	200	1	working	work	VERB
cblr-14250	200	2	paper	paper	PROPN
cblr-14250	200	3	no	no	INTJ
cblr-14250	200	4	.	.	PROPN
cblr-14250	200	5	74	74	NUM
cblr-14250	200	6	,	,	PUNCT
cblr-14250	200	7	1992	1992	NUM
cblr-14250	200	8	)	)	PUNCT
cblr-14250	200	9	,	,	PUNCT
cblr-14250	201	1	https://www.levyinstitute.org/pubs/wp74.pdf	https://www.levyinstitute.org/pubs/wp74.pdf	PROPN
cblr-14250	201	2	[	[	X
cblr-14250	201	3	https://perma.cc/69ff-z2ny	https://perma.cc/69ff-z2ny	NOUN
cblr-14250	201	4	]	]	X
cblr-14250	201	5	;	;	PUNCT
cblr-14250	201	6	perry	perry	PROPN
cblr-14250	201	7	mehrling	mehrling	PROPN
cblr-14250	201	8	,	,	PUNCT
cblr-14250	201	9	the	the	DET
cblr-14250	201	10	new	new	ADJ
cblr-14250	201	11	lombard	lombard	PROPN
cblr-14250	201	12	street	street	NOUN
cblr-14250	201	13	:	:	PUNCT
cblr-14250	201	14	how	how	SCONJ
cblr-14250	201	15	the	the	DET
cblr-14250	201	16	fed	fed	PROPN
cblr-14250	201	17	became	become	VERB
cblr-14250	201	18	the	the	DET
cblr-14250	201	19	dealer	dealer	NOUN
cblr-14250	201	20	of	of	ADP
cblr-14250	201	21	last	last	ADJ
cblr-14250	201	22	resort	resort	NOUN
cblr-14250	201	23	(	(	PUNCT
cblr-14250	201	24	2010	2010	NUM
cblr-14250	201	25	)	)	PUNCT
cblr-14250	201	26	;	;	PUNCT
cblr-14250	201	27	christine	christine	PROPN
cblr-14250	201	28	desan	desan	PROPN
cblr-14250	201	29	,	,	PUNCT
cblr-14250	201	30	making	make	VERB
cblr-14250	201	31	money	money	NOUN
cblr-14250	201	32	:	:	PUNCT
cblr-14250	201	33	coin	coin	NOUN
cblr-14250	201	34	,	,	PUNCT
cblr-14250	201	35	currency	currency	NOUN
cblr-14250	201	36	,	,	PUNCT
cblr-14250	201	37	and	and	CCONJ
cblr-14250	201	38	the	the	DET
cblr-14250	201	39	coming	coming	NOUN
cblr-14250	201	40	of	of	ADP
cblr-14250	201	41	capitalism	capitalism	NOUN
cblr-14250	201	42	(	(	PUNCT
cblr-14250	201	43	2015	2015	NUM
cblr-14250	201	44	)	)	PUNCT
cblr-14250	201	45	;	;	PUNCT
cblr-14250	201	46	morgan	morgan	PROPN
cblr-14250	201	47	ricks	ricks	PROPN
cblr-14250	201	48	,	,	PUNCT
cblr-14250	201	49	the	the	DET
cblr-14250	201	50	money	money	NOUN
cblr-14250	201	51	problem	problem	NOUN
cblr-14250	201	52	:	:	PUNCT
cblr-14250	201	53	rethinking	rethink	VERB
cblr-14250	201	54	financial	financial	ADJ
cblr-14250	201	55	regulation	regulation	NOUN
cblr-14250	201	56	(	(	PUNCT
cblr-14250	201	57	2016	2016	NUM
cblr-14250	201	58	)	)	PUNCT
cblr-14250	201	59	.	.	PUNCT
cblr-14250	202	1	146	146	NUM
cblr-14250	202	2	columbia	columbia	PROPN
cblr-14250	202	3	business	business	NOUN
cblr-14250	202	4	law	law	PROPN
cblr-14250	202	5	review	review	NOUN
cblr-14250	202	6	[	[	X
cblr-14250	202	7	vol	vol	NOUN
cblr-14250	202	8	.	.	PUNCT
cblr-14250	202	9	2025	2025	NUM
cblr-14250	202	10	examination	examination	NOUN
cblr-14250	202	11	”	"	PUNCT
cblr-14250	202	12	(	(	PUNCT
cblr-14250	202	13	private	private	ADJ
cblr-14250	202	14	,	,	PUNCT
cblr-14250	202	15	coercive	coercive	ADJ
cblr-14250	202	16	)	)	PUNCT
cblr-14250	202	17	,	,	PUNCT
cblr-14250	202	18	or	or	CCONJ
cblr-14250	202	19	“	"	PUNCT
cblr-14250	202	20	the	the	DET
cblr-14250	202	21	liquidation	liquidation	NOUN
cblr-14250	202	22	of	of	ADP
cblr-14250	202	23	banks	bank	NOUN
cblr-14250	202	24	”	"	PUNCT
cblr-14250	202	25	(	(	PUNCT
cblr-14250	202	26	public	public	ADJ
cblr-14250	202	27	,	,	PUNCT
cblr-14250	202	28	coercive).31	coercive).31	PROPN
cblr-14250	202	29	figure	figure	VERB
cblr-14250	202	30	1	1	NUM
cblr-14250	202	31	–	–	PUNCT
cblr-14250	202	32	paradigms	paradigm	NOUN
cblr-14250	202	33	of	of	ADP
cblr-14250	202	34	supervision	supervision	NOUN
cblr-14250	202	35	:	:	PUNCT
cblr-14250	202	36	external	external	ADJ
cblr-14250	202	37	relatedly	relatedly	ADV
cblr-14250	202	38	,	,	PUNCT
cblr-14250	202	39	the	the	DET
cblr-14250	202	40	definition	definition	NOUN
cblr-14250	202	41	of	of	ADP
cblr-14250	202	42	supervision	supervision	NOUN
cblr-14250	202	43	hinges	hinge	NOUN
cblr-14250	202	44	on	on	ADP
cblr-14250	202	45	what	what	PRON
cblr-14250	202	46	supervisors	supervisor	NOUN
cblr-14250	202	47	think	think	VERB
cblr-14250	202	48	they	they	PRON
cblr-14250	202	49	are	be	AUX
cblr-14250	202	50	trying	try	VERB
cblr-14250	202	51	to	to	PART
cblr-14250	202	52	accomplish	accomplish	VERB
cblr-14250	202	53	,	,	PUNCT
cblr-14250	202	54	selfconceptions	selfconception	NOUN
cblr-14250	202	55	that	that	PRON
cblr-14250	202	56	divide	divide	VERB
cblr-14250	202	57	not	not	PART
cblr-14250	202	58	only	only	ADV
cblr-14250	202	59	according	accord	VERB
cblr-14250	202	60	to	to	ADP
cblr-14250	202	61	an	an	DET
cblr-14250	202	62	external	external	ADJ
cblr-14250	202	63	logic	logic	NOUN
cblr-14250	202	64	of	of	ADP
cblr-14250	202	65	coercion	coercion	NOUN
cblr-14250	202	66	versus	versus	ADP
cblr-14250	202	67	non	non	ADJ
cblr-14250	202	68	-	-	NOUN
cblr-14250	202	69	coercion	coercion	NOUN
cblr-14250	202	70	and	and	CCONJ
cblr-14250	202	71	public	public	ADJ
cblr-14250	202	72	versus	versus	ADP
cblr-14250	202	73	private	private	ADJ
cblr-14250	202	74	,	,	PUNCT
cblr-14250	202	75	but	but	CCONJ
cblr-14250	202	76	also	also	ADV
cblr-14250	202	77	an	an	DET
cblr-14250	202	78	internal	internal	ADJ
cblr-14250	202	79	one	one	NUM
cblr-14250	202	80	.	.	PUNCT
cblr-14250	203	1	these	these	DET
cblr-14250	203	2	self	self	NOUN
cblr-14250	203	3	-	-	PUNCT
cblr-14250	203	4	conceptions	conception	NOUN
cblr-14250	203	5	operate	operate	VERB
cblr-14250	203	6	within	within	ADP
cblr-14250	203	7	a	a	DET
cblr-14250	203	8	framework	framework	NOUN
cblr-14250	203	9	with	with	ADP
cblr-14250	203	10	axes	axis	NOUN
cblr-14250	203	11	spanning	span	VERB
cblr-14250	203	12	punitive	punitive	ADJ
cblr-14250	203	13	to	to	ADP
cblr-14250	203	14	collaborative	collaborative	ADJ
cblr-14250	203	15	and	and	CCONJ
cblr-14250	203	16	from	from	ADP
cblr-14250	203	17	retrospective	retrospective	ADJ
cblr-14250	203	18	to	to	AUX
cblr-14250	203	19	prospective	prospective	ADJ
cblr-14250	203	20	,	,	PUNCT
cblr-14250	203	21	as	as	SCONJ
cblr-14250	203	22	summarized	summarize	VERB
cblr-14250	203	23	in	in	ADP
cblr-14250	203	24	figure	figure	NOUN
cblr-14250	203	25	2	2	NUM
cblr-14250	203	26	.	.	PUNCT
cblr-14250	204	1	the	the	DET
cblr-14250	204	2	alternatives	alternative	NOUN
cblr-14250	204	3	presented	present	VERB
cblr-14250	204	4	here	here	ADV
cblr-14250	204	5	are	be	AUX
cblr-14250	204	6	evident	evident	ADJ
cblr-14250	204	7	in	in	ADP
cblr-14250	204	8	the	the	DET
cblr-14250	204	9	1954	1954	NUM
cblr-14250	204	10	definition	definition	NOUN
cblr-14250	204	11	and	and	CCONJ
cblr-14250	204	12	become	become	VERB
cblr-14250	204	13	even	even	ADV
cblr-14250	204	14	more	more	ADV
cblr-14250	204	15	visible	visible	ADJ
cblr-14250	204	16	when	when	SCONJ
cblr-14250	204	17	comparing	compare	VERB
cblr-14250	204	18	it	it	PRON
cblr-14250	204	19	with	with	ADP
cblr-14250	204	20	its	its	PRON
cblr-14250	204	21	2016	2016	NUM
cblr-14250	204	22	counterpart	counterpart	NOUN
cblr-14250	204	23	.	.	PUNCT
cblr-14250	205	1	in	in	ADP
cblr-14250	205	2	1954	1954	NUM
cblr-14250	205	3	,	,	PUNCT
cblr-14250	205	4	to	to	PART
cblr-14250	205	5	take	take	VERB
cblr-14250	205	6	one	one	NUM
cblr-14250	205	7	example	example	NOUN
cblr-14250	205	8	,	,	PUNCT
cblr-14250	205	9	the	the	DET
cblr-14250	205	10	fed	fed	PROPN
cblr-14250	205	11	emphasized	emphasize	VERB
cblr-14250	205	12	“	"	PUNCT
cblr-14250	205	13	the	the	DET
cblr-14250	205	14	rendering	rendering	NOUN
cblr-14250	205	15	of	of	ADP
cblr-14250	205	16	counsel	counsel	NOUN
cblr-14250	205	17	and	and	CCONJ
cblr-14250	205	18	advice	advice	NOUN
cblr-14250	205	19	on	on	ADP
cblr-14250	205	20	bank	bank	NOUN
cblr-14250	205	21	operating	operating	NOUN
cblr-14250	205	22	problems	problem	NOUN
cblr-14250	205	23	when	when	SCONJ
cblr-14250	205	24	requested	request	VERB
cblr-14250	205	25	,	,	PUNCT
cblr-14250	205	26	particularly	particularly	ADV
cblr-14250	205	27	in	in	ADP
cblr-14250	205	28	the	the	DET
cblr-14250	205	29	case	case	NOUN
cblr-14250	205	30	of	of	ADP
cblr-14250	205	31	smaller	small	ADJ
cblr-14250	205	32	banks	bank	NOUN
cblr-14250	205	33	,	,	PUNCT
cblr-14250	205	34	”	"	PUNCT
cblr-14250	205	35	a	a	DET
cblr-14250	205	36	statement	statement	NOUN
cblr-14250	205	37	that	that	PRON
cblr-14250	205	38	embraces	embrace	VERB
cblr-14250	205	39	the	the	DET
cblr-14250	205	40	training	training	NOUN
cblr-14250	205	41	and	and	CCONJ
cblr-14250	205	42	31	31	NUM
cblr-14250	205	43	bd	bd	PROPN
cblr-14250	205	44	.	.	PROPN
cblr-14250	205	45	of	of	ADP
cblr-14250	205	46	governors	governor	NOUN
cblr-14250	205	47	,	,	PUNCT
cblr-14250	205	48	supra	supra	PROPN
cblr-14250	205	49	note	note	PROPN
cblr-14250	205	50	25	25	NUM
cblr-14250	205	51	,	,	PUNCT
cblr-14250	205	52	at	at	ADP
cblr-14250	205	53	167	167	NUM
cblr-14250	205	54	.	.	PUNCT
cblr-14250	206	1	no	no	INTJ
cblr-14250	206	2	.	.	NOUN
cblr-14250	206	3	1	1	NUM
cblr-14250	206	4	]	]	PUNCT
cblr-14250	206	5	risk	risk	NOUN
cblr-14250	206	6	,	,	PUNCT
cblr-14250	206	7	discretion	discretion	NOUN
cblr-14250	206	8	,	,	PUNCT
cblr-14250	206	9	and	and	CCONJ
cblr-14250	206	10	bank	bank	NOUN
cblr-14250	206	11	supervision	supervision	NOUN
cblr-14250	206	12	147	147	NUM
cblr-14250	206	13	management	management	NOUN
cblr-14250	206	14	consulting	consulting	NOUN
cblr-14250	206	15	roles	role	NOUN
cblr-14250	206	16	on	on	ADP
cblr-14250	206	17	the	the	DET
cblr-14250	206	18	collaborative	collaborative	ADJ
cblr-14250	206	19	-	-	PUNCT
cblr-14250	206	20	prospective	prospective	ADJ
cblr-14250	206	21	corner	corner	NOUN
cblr-14250	206	22	of	of	ADP
cblr-14250	206	23	the	the	DET
cblr-14250	206	24	chart.32	chart.32	ADJ
cblr-14250	206	25	although	although	SCONJ
cblr-14250	206	26	the	the	DET
cblr-14250	206	27	fed	fed	PROPN
cblr-14250	206	28	may	may	AUX
cblr-14250	206	29	have	have	AUX
cblr-14250	206	30	been	be	AUX
cblr-14250	206	31	engaged	engage	VERB
cblr-14250	206	32	in	in	ADP
cblr-14250	206	33	similar	similar	ADJ
cblr-14250	206	34	activities	activity	NOUN
cblr-14250	206	35	in	in	ADP
cblr-14250	206	36	2016	2016	NUM
cblr-14250	206	37	,	,	PUNCT
cblr-14250	206	38	it	it	PRON
cblr-14250	206	39	no	no	ADV
cblr-14250	206	40	longer	long	ADV
cblr-14250	206	41	held	hold	VERB
cblr-14250	206	42	them	they	PRON
cblr-14250	206	43	as	as	ADP
cblr-14250	206	44	a	a	DET
cblr-14250	206	45	defining	define	VERB
cblr-14250	206	46	feature	feature	NOUN
cblr-14250	206	47	of	of	ADP
cblr-14250	206	48	compliance	compliance	NOUN
cblr-14250	206	49	-	-	PUNCT
cblr-14250	206	50	focused	focus	VERB
cblr-14250	206	51	supervision	supervision	NOUN
cblr-14250	206	52	.	.	PUNCT
cblr-14250	207	1	figure	figure	NOUN
cblr-14250	207	2	2	2	NUM
cblr-14250	207	3	–	–	PUNCT
cblr-14250	207	4	paradigms	paradigm	NOUN
cblr-14250	207	5	of	of	ADP
cblr-14250	207	6	supervision	supervision	NOUN
cblr-14250	207	7	:	:	PUNCT
cblr-14250	207	8	internal	internal	ADJ
cblr-14250	207	9	this	this	DET
cblr-14250	207	10	conception	conception	NOUN
cblr-14250	207	11	of	of	ADP
cblr-14250	207	12	supervision	supervision	NOUN
cblr-14250	207	13	captures	capture	VERB
cblr-14250	207	14	some	some	PRON
cblr-14250	207	15	of	of	ADP
cblr-14250	207	16	the	the	DET
cblr-14250	207	17	descriptive	descriptive	ADJ
cblr-14250	207	18	and	and	CCONJ
cblr-14250	207	19	normative	normative	ADJ
cblr-14250	207	20	accounts	account	NOUN
cblr-14250	207	21	of	of	ADP
cblr-14250	207	22	scholars	scholar	NOUN
cblr-14250	207	23	cited	cite	VERB
cblr-14250	207	24	above	above	ADV
cblr-14250	207	25	,	,	PUNCT
cblr-14250	207	26	without	without	ADP
cblr-14250	207	27	rooting	root	VERB
cblr-14250	207	28	that	that	DET
cblr-14250	207	29	conception	conception	NOUN
cblr-14250	207	30	too	too	ADV
cblr-14250	207	31	much	much	ADV
cblr-14250	207	32	in	in	ADP
cblr-14250	207	33	a	a	DET
cblr-14250	207	34	single	single	ADJ
cblr-14250	207	35	point	point	NOUN
cblr-14250	207	36	of	of	ADP
cblr-14250	207	37	time	time	NOUN
cblr-14250	207	38	and	and	CCONJ
cblr-14250	207	39	imposing	impose	VERB
cblr-14250	207	40	that	that	DET
cblr-14250	207	41	moment	moment	NOUN
cblr-14250	207	42	on	on	ADP
cblr-14250	207	43	the	the	DET
cblr-14250	207	44	rest	rest	NOUN
cblr-14250	207	45	of	of	ADP
cblr-14250	207	46	the	the	DET
cblr-14250	207	47	tumultuous	tumultuous	ADJ
cblr-14250	207	48	history	history	NOUN
cblr-14250	207	49	that	that	PRON
cblr-14250	207	50	followed	follow	VERB
cblr-14250	207	51	.	.	PUNCT
cblr-14250	208	1	as	as	ADP
cblr-14250	208	2	a	a	DET
cblr-14250	208	3	policy	policy	NOUN
cblr-14250	208	4	matter	matter	NOUN
cblr-14250	208	5	,	,	PUNCT
cblr-14250	208	6	the	the	DET
cblr-14250	208	7	costs	cost	NOUN
cblr-14250	208	8	and	and	CCONJ
cblr-14250	208	9	benefits	benefit	NOUN
cblr-14250	208	10	of	of	ADP
cblr-14250	208	11	the	the	DET
cblr-14250	208	12	fed	fed	PROPN
cblr-14250	208	13	’s	’s	PART
cblr-14250	208	14	expansive	expansive	ADJ
cblr-14250	208	15	view	view	NOUN
cblr-14250	208	16	of	of	ADP
cblr-14250	208	17	supervision	supervision	NOUN
cblr-14250	208	18	in	in	ADP
cblr-14250	208	19	1954	1954	NUM
cblr-14250	208	20	and	and	CCONJ
cblr-14250	208	21	more	more	ADV
cblr-14250	208	22	circumscribed	circumscribed	ADJ
cblr-14250	208	23	view	view	NOUN
cblr-14250	208	24	in	in	ADP
cblr-14250	208	25	2016	2016	NUM
cblr-14250	208	26	are	be	AUX
cblr-14250	208	27	open	open	ADJ
cblr-14250	208	28	to	to	ADP
cblr-14250	208	29	debate	debate	VERB
cblr-14250	208	30	,	,	PUNCT
cblr-14250	208	31	and	and	CCONJ
cblr-14250	208	32	supervision	supervision	NOUN
cblr-14250	208	33	,	,	PUNCT
cblr-14250	208	34	itself	itself	PRON
cblr-14250	208	35	,	,	PUNCT
cblr-14250	208	36	provides	provide	VERB
cblr-14250	208	37	the	the	DET
cblr-14250	208	38	context	context	NOUN
cblr-14250	208	39	in	in	ADP
cblr-14250	208	40	which	which	PRON
cblr-14250	208	41	that	that	DET
cblr-14250	208	42	debate	debate	NOUN
cblr-14250	208	43	unfolds	unfold	VERB
cblr-14250	208	44	.	.	PUNCT
cblr-14250	209	1	32	32	NUM
cblr-14250	210	1	i	i	PRON
cblr-14250	210	2	d.	d.	PROPN
cblr-14250	210	3	148	148	NUM
cblr-14250	210	4	columbia	columbia	PROPN
cblr-14250	210	5	business	business	NOUN
cblr-14250	210	6	law	law	PROPN
cblr-14250	210	7	review	review	NOUN
cblr-14250	210	8	[	[	X
cblr-14250	210	9	vol	vol	NOUN
cblr-14250	210	10	.	.	PUNCT
cblr-14250	210	11	2025	2025	NUM
cblr-14250	210	12	c.	c.	NOUN
cblr-14250	210	13	rules	rule	NOUN
cblr-14250	210	14	versus	versus	ADP
cblr-14250	210	15	discretion	discretion	NOUN
cblr-14250	210	16	in	in	ADP
cblr-14250	210	17	bank	bank	NOUN
cblr-14250	210	18	supervision	supervision	NOUN
cblr-14250	210	19	at	at	ADP
cblr-14250	210	20	its	its	PRON
cblr-14250	210	21	core	core	NOUN
cblr-14250	210	22	,	,	PUNCT
cblr-14250	210	23	supervision	supervision	NOUN
cblr-14250	210	24	is	be	AUX
cblr-14250	210	25	about	about	ADP
cblr-14250	210	26	options	option	NOUN
cblr-14250	210	27	,	,	PUNCT
cblr-14250	210	28	which	which	PRON
cblr-14250	210	29	are	be	AUX
cblr-14250	210	30	exercised	exercise	VERB
cblr-14250	210	31	differently	differently	ADV
cblr-14250	210	32	at	at	ADP
cblr-14250	210	33	different	different	ADJ
cblr-14250	210	34	times	time	NOUN
cblr-14250	210	35	and	and	CCONJ
cblr-14250	210	36	yield	yield	VERB
cblr-14250	210	37	varying	vary	VERB
cblr-14250	210	38	consequences	consequence	NOUN
cblr-14250	210	39	.	.	PUNCT
cblr-14250	211	1	these	these	DET
cblr-14250	211	2	options	option	NOUN
cblr-14250	211	3	also	also	ADV
cblr-14250	211	4	highlight	highlight	VERB
cblr-14250	211	5	the	the	DET
cblr-14250	211	6	central	central	ADJ
cblr-14250	211	7	difference	difference	NOUN
cblr-14250	211	8	between	between	ADP
cblr-14250	211	9	supervision	supervision	NOUN
cblr-14250	211	10	and	and	CCONJ
cblr-14250	211	11	other	other	ADJ
cblr-14250	211	12	forms	form	NOUN
cblr-14250	211	13	of	of	ADP
cblr-14250	211	14	government	government	NOUN
cblr-14250	211	15	power	power	NOUN
cblr-14250	211	16	because	because	SCONJ
cblr-14250	211	17	such	such	ADJ
cblr-14250	211	18	options	option	NOUN
cblr-14250	211	19	leave	leave	VERB
cblr-14250	211	20	supervisors	supervisor	NOUN
cblr-14250	211	21	with	with	ADP
cblr-14250	211	22	the	the	DET
cblr-14250	211	23	discretion	discretion	NOUN
cblr-14250	211	24	to	to	PART
cblr-14250	211	25	decide	decide	VERB
cblr-14250	211	26	just	just	ADV
cblr-14250	211	27	what	what	DET
cblr-14250	211	28	supervision	supervision	NOUN
cblr-14250	211	29	should	should	AUX
cblr-14250	211	30	be	be	AUX
cblr-14250	211	31	.	.	PUNCT
cblr-14250	212	1	this	this	DET
cblr-14250	212	2	discretion	discretion	NOUN
cblr-14250	212	3	defines	define	VERB
cblr-14250	212	4	the	the	DET
cblr-14250	212	5	logic	logic	NOUN
cblr-14250	212	6	of	of	ADP
cblr-14250	212	7	bank	bank	NOUN
cblr-14250	212	8	supervision	supervision	NOUN
cblr-14250	212	9	.	.	PUNCT
cblr-14250	213	1	it	it	PRON
cblr-14250	213	2	also	also	ADV
cblr-14250	213	3	expands	expand	VERB
cblr-14250	213	4	the	the	DET
cblr-14250	213	5	kinds	kind	NOUN
cblr-14250	213	6	of	of	ADP
cblr-14250	213	7	categories	category	NOUN
cblr-14250	213	8	that	that	PRON
cblr-14250	213	9	fit	fit	VERB
cblr-14250	213	10	into	into	ADP
cblr-14250	213	11	the	the	DET
cblr-14250	213	12	broad	broad	ADJ
cblr-14250	213	13	definition	definition	NOUN
cblr-14250	213	14	of	of	ADP
cblr-14250	213	15	supervision	supervision	NOUN
cblr-14250	213	16	,	,	PUNCT
cblr-14250	213	17	cited	cite	VERB
cblr-14250	213	18	above	above	ADV
cblr-14250	213	19	,	,	PUNCT
cblr-14250	213	20	as	as	ADP
cblr-14250	213	21	the	the	DET
cblr-14250	213	22	way	way	NOUN
cblr-14250	213	23	in	in	ADP
cblr-14250	213	24	which	which	PRON
cblr-14250	213	25	individual	individual	ADJ
cblr-14250	213	26	governmental	governmental	ADJ
cblr-14250	213	27	actors	actor	NOUN
cblr-14250	213	28	influence	influence	VERB
cblr-14250	213	29	the	the	DET
cblr-14250	213	30	behavior	behavior	NOUN
cblr-14250	213	31	of	of	ADP
cblr-14250	213	32	individual	individual	ADJ
cblr-14250	213	33	financial	financial	ADJ
cblr-14250	213	34	institutions	institution	NOUN
cblr-14250	213	35	.	.	PUNCT
cblr-14250	214	1	the	the	DET
cblr-14250	214	2	competing	compete	VERB
cblr-14250	214	3	objectives	objective	NOUN
cblr-14250	214	4	of	of	ADP
cblr-14250	214	5	law	law	NOUN
cblr-14250	214	6	enforcement	enforcement	NOUN
cblr-14250	214	7	,	,	PUNCT
cblr-14250	214	8	crisis	crisis	NOUN
cblr-14250	214	9	response	response	NOUN
cblr-14250	214	10	,	,	PUNCT
cblr-14250	214	11	monetary	monetary	ADJ
cblr-14250	214	12	policy	policy	NOUN
cblr-14250	214	13	,	,	PUNCT
cblr-14250	214	14	consumer	consumer	NOUN
cblr-14250	214	15	protection	protection	NOUN
cblr-14250	214	16	,	,	PUNCT
cblr-14250	214	17	antidiscrimination	antidiscrimination	NOUN
cblr-14250	214	18	,	,	PUNCT
cblr-14250	214	19	and	and	CCONJ
cblr-14250	214	20	more	more	ADJ
cblr-14250	214	21	,	,	PUNCT
cblr-14250	214	22	are	be	AUX
cblr-14250	214	23	each	each	PRON
cblr-14250	214	24	available	available	ADJ
cblr-14250	214	25	to	to	ADP
cblr-14250	214	26	supervisors	supervisor	NOUN
cblr-14250	214	27	as	as	SCONJ
cblr-14250	214	28	they	they	PRON
cblr-14250	214	29	encounter	encounter	VERB
cblr-14250	214	30	the	the	DET
cblr-14250	214	31	banks	bank	NOUN
cblr-14250	214	32	under	under	ADP
cblr-14250	214	33	their	their	PRON
cblr-14250	214	34	watch	watch	NOUN
cblr-14250	214	35	.	.	PUNCT
cblr-14250	215	1	congress	congress	PROPN
cblr-14250	215	2	sets	set	VERB
cblr-14250	215	3	these	these	DET
cblr-14250	215	4	objectives	objective	NOUN
cblr-14250	215	5	within	within	ADP
cblr-14250	215	6	constraints	constraint	NOUN
cblr-14250	215	7	shaped	shape	VERB
cblr-14250	215	8	by	by	ADP
cblr-14250	215	9	historical	historical	ADJ
cblr-14250	215	10	contexts	context	NOUN
cblr-14250	215	11	that	that	PRON
cblr-14250	215	12	have	have	AUX
cblr-14250	215	13	shifted	shift	VERB
cblr-14250	215	14	over	over	ADP
cblr-14250	215	15	time	time	NOUN
cblr-14250	215	16	.	.	PUNCT
cblr-14250	216	1	placing	place	VERB
cblr-14250	216	2	discretion	discretion	NOUN
cblr-14250	216	3	at	at	ADP
cblr-14250	216	4	the	the	DET
cblr-14250	216	5	center	center	NOUN
cblr-14250	216	6	of	of	ADP
cblr-14250	216	7	supervision	supervision	NOUN
cblr-14250	216	8	means	mean	VERB
cblr-14250	216	9	that	that	SCONJ
cblr-14250	216	10	the	the	DET
cblr-14250	216	11	practice	practice	NOUN
cblr-14250	216	12	of	of	ADP
cblr-14250	216	13	supervision	supervision	NOUN
cblr-14250	216	14	will	will	AUX
cblr-14250	216	15	line	line	VERB
cblr-14250	216	16	at	at	ADP
cblr-14250	216	17	which	which	PRON
cblr-14250	216	18	the	the	DET
cblr-14250	216	19	government	government	NOUN
cblr-14250	216	20	shall	shall	AUX
cblr-14250	216	21	interfere	interfere	VERB
cblr-14250	216	22	and	and	CCONJ
cblr-14250	216	23	the	the	DET
cblr-14250	216	24	point	point	NOUN
cblr-14250	216	25	at	at	ADP
cblr-14250	216	26	which	which	PRON
cblr-14250	216	27	government	government	NOUN
cblr-14250	216	28	discipline	discipline	NOUN
cblr-14250	216	29	shall	shall	AUX
cblr-14250	216	30	commence	commence	VERB
cblr-14250	216	31	is	be	AUX
cblr-14250	216	32	a	a	DET
cblr-14250	216	33	matter	matter	NOUN
cblr-14250	216	34	of	of	ADP
cblr-14250	216	35	some	some	DET
cblr-14250	216	36	delicacy	delicacy	NOUN
cblr-14250	216	37	to	to	PART
cblr-14250	216	38	determine	determine	VERB
cblr-14250	216	39	.	.	PUNCT
cblr-14250	217	1	”33	”33	NOUN
cblr-14250	217	2	or	or	CCONJ
cblr-14250	217	3	,	,	PUNCT
cblr-14250	217	4	as	as	SCONJ
cblr-14250	217	5	randal	randal	PROPN
cblr-14250	217	6	quarles	quarle	NOUN
cblr-14250	217	7	,	,	PUNCT
cblr-14250	217	8	the	the	DET
cblr-14250	217	9	former	former	ADJ
cblr-14250	217	10	vice	vice	NOUN
cblr-14250	217	11	chair	chair	NOUN
cblr-14250	217	12	for	for	ADP
cblr-14250	217	13	supervision	supervision	NOUN
cblr-14250	217	14	of	of	ADP
cblr-14250	217	15	the	the	DET
cblr-14250	217	16	federal	federal	PROPN
cblr-14250	217	17	reserve	reserve	PROPN
cblr-14250	217	18	,	,	PUNCT
cblr-14250	217	19	put	put	VERB
cblr-14250	217	20	more	more	ADV
cblr-14250	217	21	colorfully	colorfully	ADV
cblr-14250	217	22	in	in	ADP
cblr-14250	217	23	2020	2020	NUM
cblr-14250	217	24	,	,	PUNCT
cblr-14250	217	25	identifying	identify	VERB
cblr-14250	217	26	the	the	DET
cblr-14250	217	27	line	line	NOUN
cblr-14250	217	28	between	between	ADP
cblr-14250	217	29	regulation	regulation	NOUN
cblr-14250	217	30	and	and	CCONJ
cblr-14250	217	31	supervision	supervision	NOUN
cblr-14250	217	32	only	only	ADV
cblr-14250	217	33	becomes	become	VERB
cblr-14250	217	34	clear	clear	ADJ
cblr-14250	217	35	to	to	ADP
cblr-14250	217	36	banking	banking	NOUN
cblr-14250	217	37	regulators	regulator	NOUN
cblr-14250	217	38	and	and	CCONJ
cblr-14250	217	39	supervisors	supervisor	NOUN
cblr-14250	217	40	after	after	ADP
cblr-14250	217	41	“	"	PUNCT
cblr-14250	217	42	fasting	fast	VERB
cblr-14250	217	43	and	and	CCONJ
cblr-14250	217	44	much	much	ADJ
cblr-14250	217	45	prayer	prayer	NOUN
cblr-14250	217	46	.	.	PUNCT
cblr-14250	218	1	”34	”34	ADP
cblr-14250	218	2	viewing	view	VERB
cblr-14250	218	3	bank	bank	NOUN
cblr-14250	218	4	supervision	supervision	NOUN
cblr-14250	218	5	through	through	ADP
cblr-14250	218	6	the	the	DET
cblr-14250	218	7	lens	lens	NOUN
cblr-14250	218	8	of	of	ADP
cblr-14250	218	9	discretion	discretion	NOUN
cblr-14250	218	10	—	—	PUNCT
cblr-14250	218	11	whether	whether	SCONJ
cblr-14250	218	12	historically	historically	ADV
cblr-14250	218	13	or	or	CCONJ
cblr-14250	218	14	theoretically	theoretically	ADV
cblr-14250	218	15	—	—	PUNCT
cblr-14250	218	16	allows	allow	VERB
cblr-14250	218	17	us	we	PRON
cblr-14250	218	18	to	to	PART
cblr-14250	218	19	see	see	VERB
cblr-14250	218	20	where	where	SCONJ
cblr-14250	218	21	supervisors	supervisor	NOUN
cblr-14250	218	22	draw	draw	VERB
cblr-14250	218	23	their	their	PRON
cblr-14250	218	24	lines	line	NOUN
cblr-14250	218	25	and	and	CCONJ
cblr-14250	218	26	how	how	SCONJ
cblr-14250	218	27	those	those	DET
cblr-14250	218	28	lines	line	NOUN
cblr-14250	218	29	evolve	evolve	VERB
cblr-14250	218	30	over	over	ADP
cblr-14250	218	31	time.35	time.35	NOUN
cblr-14250	218	32	the	the	DET
cblr-14250	218	33	exercise	exercise	NOUN
cblr-14250	218	34	of	of	ADP
cblr-14250	218	35	supervisory	supervisory	ADJ
cblr-14250	218	36	discretion	discretion	NOUN
cblr-14250	218	37	is	be	AUX
cblr-14250	218	38	,	,	PUNCT
cblr-14250	218	39	definitionally	definitionally	ADV
cblr-14250	218	40	,	,	PUNCT
cblr-14250	218	41	a	a	DET
cblr-14250	218	42	moving	move	VERB
cblr-14250	218	43	target	target	NOUN
cblr-14250	218	44	,	,	PUNCT
cblr-14250	218	45	animated	animate	VERB
cblr-14250	218	46	by	by	ADP
cblr-14250	218	47	different	different	ADJ
cblr-14250	218	48	and	and	CCONJ
cblr-14250	218	49	conflicting	conflict	VERB
cblr-14250	218	50	33	33	NUM
cblr-14250	218	51	annual	annual	ADJ
cblr-14250	218	52	report	report	NOUN
cblr-14250	218	53	of	of	ADP
cblr-14250	218	54	the	the	DET
cblr-14250	218	55	comptroller	comptroller	NOUN
cblr-14250	218	56	of	of	ADP
cblr-14250	218	57	the	the	DET
cblr-14250	218	58	currency	currency	NOUN
cblr-14250	218	59	50	50	NUM
cblr-14250	218	60	(	(	PUNCT
cblr-14250	218	61	1884	1884	NUM
cblr-14250	218	62	)	)	PUNCT
cblr-14250	218	63	.	.	PUNCT
cblr-14250	219	1	34	34	NUM
cblr-14250	219	2	randal	randal	PROPN
cblr-14250	219	3	quarles	quarle	NOUN
cblr-14250	219	4	,	,	PUNCT
cblr-14250	219	5	dean	dean	PROPN
cblr-14250	219	6	’s	’s	PART
cblr-14250	219	7	lecture	lecture	NOUN
cblr-14250	219	8	(	(	PUNCT
cblr-14250	219	9	lecture	lecture	NOUN
cblr-14250	219	10	,	,	PUNCT
cblr-14250	219	11	yale	yale	PROPN
cblr-14250	219	12	l.	l.	PROPN
cblr-14250	219	13	sch	sch	PROPN
cblr-14250	219	14	.	.	PROPN
cblr-14250	219	15	,	,	PUNCT
cblr-14250	219	16	new	new	PROPN
cblr-14250	219	17	haven	haven	NOUN
cblr-14250	219	18	,	,	PUNCT
cblr-14250	219	19	ct	ct	PROPN
cblr-14250	219	20	,	,	PUNCT
cblr-14250	219	21	feb	feb	PROPN
cblr-14250	219	22	.	.	PROPN
cblr-14250	219	23	26	26	NUM
cblr-14250	219	24	,	,	PUNCT
cblr-14250	219	25	2020	2020	NUM
cblr-14250	219	26	)	)	PUNCT
cblr-14250	219	27	(	(	PUNCT
cblr-14250	219	28	transcript	transcript	NOUN
cblr-14250	219	29	used	use	VERB
cblr-14250	219	30	with	with	ADP
cblr-14250	219	31	permission	permission	NOUN
cblr-14250	219	32	and	and	CCONJ
cblr-14250	219	33	on	on	ADP
cblr-14250	219	34	file	file	NOUN
cblr-14250	219	35	with	with	ADP
cblr-14250	219	36	the	the	DET
cblr-14250	219	37	columbia	columbia	PROPN
cblr-14250	219	38	business	business	PROPN
cblr-14250	219	39	law	law	PROPN
cblr-14250	219	40	review	review	PROPN
cblr-14250	219	41	)	)	PUNCT
cblr-14250	219	42	.	.	PUNCT
cblr-14250	220	1	35	35	NUM
cblr-14250	220	2	see	see	VERB
cblr-14250	220	3	jerry	jerry	NOUN
cblr-14250	220	4	mashaw	mashaw	PROPN
cblr-14250	220	5	,	,	PUNCT
cblr-14250	220	6	bureaucratic	bureaucratic	ADJ
cblr-14250	220	7	justice	justice	NOUN
cblr-14250	220	8	:	:	PUNCT
cblr-14250	220	9	managing	manage	VERB
cblr-14250	220	10	social	social	ADJ
cblr-14250	220	11	security	security	NOUN
cblr-14250	220	12	disability	disability	NOUN
cblr-14250	220	13	claims	claim	NOUN
cblr-14250	220	14	(	(	PUNCT
cblr-14250	220	15	1983	1983	NUM
cblr-14250	220	16	)	)	PUNCT
cblr-14250	220	17	.	.	PUNCT
cblr-14250	221	1	no	no	INTJ
cblr-14250	221	2	.	.	NOUN
cblr-14250	221	3	1	1	NUM
cblr-14250	221	4	]	]	PUNCT
cblr-14250	221	5	risk	risk	NOUN
cblr-14250	221	6	,	,	PUNCT
cblr-14250	221	7	discretion	discretion	NOUN
cblr-14250	221	8	,	,	PUNCT
cblr-14250	221	9	and	and	CCONJ
cblr-14250	221	10	bank	bank	NOUN
cblr-14250	221	11	supervision	supervision	NOUN
cblr-14250	221	12	149	149	NUM
cblr-14250	221	13	paradigms	paradigm	NOUN
cblr-14250	221	14	,	,	PUNCT
cblr-14250	221	15	experienced	experience	VERB
cblr-14250	221	16	in	in	ADP
cblr-14250	221	17	different	different	ADJ
cblr-14250	221	18	ways	way	NOUN
cblr-14250	221	19	within	within	ADP
cblr-14250	221	20	different	different	ADJ
cblr-14250	221	21	supervisory	supervisory	ADJ
cblr-14250	221	22	organizations.36	organizations.36	NOUN
cblr-14250	221	23	this	this	DET
cblr-14250	221	24	framework	framework	NOUN
cblr-14250	221	25	also	also	ADV
cblr-14250	221	26	permits	permit	VERB
cblr-14250	221	27	us	we	PRON
cblr-14250	221	28	to	to	PART
cblr-14250	221	29	avoid	avoid	VERB
cblr-14250	221	30	imposing	impose	VERB
cblr-14250	221	31	demands	demand	NOUN
cblr-14250	221	32	for	for	ADP
cblr-14250	221	33	paradigmatic	paradigmatic	ADJ
cblr-14250	221	34	consistency	consistency	NOUN
cblr-14250	221	35	that	that	SCONJ
cblr-14250	221	36	the	the	DET
cblr-14250	221	37	historical	historical	ADJ
cblr-14250	221	38	record	record	NOUN
cblr-14250	221	39	can	can	AUX
cblr-14250	221	40	not	not	PART
cblr-14250	221	41	support	support	VERB
cblr-14250	221	42	;	;	PUNCT
cblr-14250	221	43	there	there	PRON
cblr-14250	221	44	is	be	VERB
cblr-14250	221	45	no	no	DET
cblr-14250	221	46	enduring	endure	VERB
cblr-14250	221	47	financial	financial	ADJ
cblr-14250	221	48	settlement	settlement	NOUN
cblr-14250	221	49	in	in	ADP
cblr-14250	221	50	u.s	u.s	PROPN
cblr-14250	221	51	.	.	PROPN
cblr-14250	221	52	history	history	NOUN
cblr-14250	221	53	,	,	PUNCT
cblr-14250	221	54	for	for	ADP
cblr-14250	221	55	example	example	NOUN
cblr-14250	221	56	,	,	PUNCT
cblr-14250	221	57	that	that	PRON
cblr-14250	221	58	survives	survive	VERB
cblr-14250	221	59	the	the	DET
cblr-14250	221	60	tumult	tumult	NOUN
cblr-14250	221	61	of	of	ADP
cblr-14250	221	62	the	the	DET
cblr-14250	221	63	last	last	ADJ
cblr-14250	221	64	160	160	NUM
cblr-14250	221	65	years	year	NOUN
cblr-14250	221	66	.	.	PUNCT
cblr-14250	222	1	supervision	supervision	NOUN
cblr-14250	222	2	as	as	ADP
cblr-14250	222	3	discretion	discretion	NOUN
cblr-14250	222	4	also	also	ADV
cblr-14250	222	5	explains	explain	VERB
cblr-14250	222	6	how	how	SCONJ
cblr-14250	222	7	supervision	supervision	NOUN
cblr-14250	222	8	became	become	VERB
cblr-14250	222	9	the	the	DET
cblr-14250	222	10	dominant	dominant	ADJ
cblr-14250	222	11	mechanism	mechanism	NOUN
cblr-14250	222	12	compelling	compelling	ADJ
cblr-14250	222	13	legal	legal	ADJ
cblr-14250	222	14	obedience	obedience	NOUN
cblr-14250	222	15	in	in	ADP
cblr-14250	222	16	the	the	DET
cblr-14250	222	17	financial	financial	ADJ
cblr-14250	222	18	system	system	NOUN
cblr-14250	222	19	,	,	PUNCT
cblr-14250	222	20	even	even	ADV
cblr-14250	222	21	beyond	beyond	ADP
cblr-14250	222	22	its	its	PRON
cblr-14250	222	23	more	more	ADV
cblr-14250	222	24	studied	studied	ADJ
cblr-14250	222	25	counterpart	counterpart	NOUN
cblr-14250	222	26	,	,	PUNCT
cblr-14250	222	27	regulation	regulation	NOUN
cblr-14250	222	28	.	.	PUNCT
cblr-14250	223	1	discretion	discretion	NOUN
cblr-14250	223	2	permits	permit	VERB
cblr-14250	223	3	supervisors	supervisor	NOUN
cblr-14250	223	4	to	to	PART
cblr-14250	223	5	make	make	VERB
cblr-14250	223	6	bespoke	bespoke	NOUN
cblr-14250	223	7	policy	policy	NOUN
cblr-14250	223	8	through	through	ADP
cblr-14250	223	9	a	a	DET
cblr-14250	223	10	variety	variety	NOUN
cblr-14250	223	11	of	of	ADP
cblr-14250	223	12	mechanisms	mechanism	NOUN
cblr-14250	223	13	,	,	PUNCT
cblr-14250	223	14	within	within	ADP
cblr-14250	223	15	a	a	DET
cblr-14250	223	16	broad	broad	ADJ
cblr-14250	223	17	rules	rule	NOUN
cblr-14250	223	18	-	-	PUNCT
cblr-14250	223	19	based	base	VERB
cblr-14250	223	20	system	system	NOUN
cblr-14250	223	21	to	to	PART
cblr-14250	223	22	which	which	PRON
cblr-14250	223	23	it	it	PRON
cblr-14250	223	24	is	be	AUX
cblr-14250	223	25	not	not	PART
cblr-14250	223	26	fully	fully	ADV
cblr-14250	223	27	restricted	restrict	VERB
cblr-14250	223	28	.	.	PUNCT
cblr-14250	224	1	the	the	DET
cblr-14250	224	2	options	option	NOUN
cblr-14250	224	3	available	available	ADJ
cblr-14250	224	4	to	to	ADP
cblr-14250	224	5	supervisors	supervisor	NOUN
cblr-14250	224	6	depicted	depict	VERB
cblr-14250	224	7	in	in	ADP
cblr-14250	224	8	figure	figure	NOUN
cblr-14250	224	9	2	2	NUM
cblr-14250	224	10	permit	permit	VERB
cblr-14250	224	11	them	they	PRON
cblr-14250	224	12	to	to	PART
cblr-14250	224	13	change	change	VERB
cblr-14250	224	14	their	their	PRON
cblr-14250	224	15	roles	role	NOUN
cblr-14250	224	16	from	from	ADP
cblr-14250	224	17	,	,	PUNCT
cblr-14250	224	18	say	say	INTJ
cblr-14250	224	19	,	,	PUNCT
cblr-14250	224	20	fraud	fraud	NOUN
cblr-14250	224	21	detection	detection	NOUN
cblr-14250	224	22	and	and	CCONJ
cblr-14250	224	23	police	police	NOUN
cblr-14250	224	24	power	power	NOUN
cblr-14250	224	25	,	,	PUNCT
cblr-14250	224	26	used	use	VERB
cblr-14250	224	27	to	to	PART
cblr-14250	224	28	catch	catch	VERB
cblr-14250	224	29	money	money	NOUN
cblr-14250	224	30	launderers	launderer	NOUN
cblr-14250	224	31	within	within	ADP
cblr-14250	224	32	financial	financial	ADJ
cblr-14250	224	33	institutions	institution	NOUN
cblr-14250	224	34	,	,	PUNCT
cblr-14250	224	35	to	to	ADP
cblr-14250	224	36	the	the	DET
cblr-14250	224	37	development	development	NOUN
cblr-14250	224	38	of	of	ADP
cblr-14250	224	39	new	new	ADJ
cblr-14250	224	40	risk	risk	NOUN
cblr-14250	224	41	management	management	NOUN
cblr-14250	224	42	techniques	technique	NOUN
cblr-14250	224	43	,	,	PUNCT
cblr-14250	224	44	used	use	VERB
cblr-14250	224	45	to	to	PART
cblr-14250	224	46	provide	provide	VERB
cblr-14250	224	47	training	training	NOUN
cblr-14250	224	48	to	to	ADP
cblr-14250	224	49	banks	bank	NOUN
cblr-14250	224	50	and	and	CCONJ
cblr-14250	224	51	bankers	banker	NOUN
cblr-14250	224	52	about	about	ADP
cblr-14250	224	53	appropriate	appropriate	ADJ
cblr-14250	224	54	accounting	accounting	NOUN
cblr-14250	224	55	or	or	CCONJ
cblr-14250	224	56	other	other	ADJ
cblr-14250	224	57	standards	standard	NOUN
cblr-14250	224	58	.	.	PUNCT
cblr-14250	225	1	discretion	discretion	NOUN
cblr-14250	225	2	gives	give	VERB
cblr-14250	225	3	supervisors	supervisor	NOUN
cblr-14250	225	4	substantial	substantial	ADJ
cblr-14250	225	5	freedom	freedom	NOUN
cblr-14250	225	6	,	,	PUNCT
cblr-14250	225	7	so	so	CCONJ
cblr-14250	225	8	there	there	PRON
cblr-14250	225	9	is	be	VERB
cblr-14250	225	10	no	no	DET
cblr-14250	225	11	wonder	wonder	NOUN
cblr-14250	225	12	that	that	SCONJ
cblr-14250	225	13	they	they	PRON
cblr-14250	225	14	prefer	prefer	VERB
cblr-14250	225	15	it	it	PRON
cblr-14250	225	16	.	.	PUNCT
cblr-14250	226	1	quarles	quarle	NOUN
cblr-14250	226	2	lodged	lodge	VERB
cblr-14250	226	3	a	a	DET
cblr-14250	226	4	sustained	sustained	ADJ
cblr-14250	226	5	critique	critique	NOUN
cblr-14250	226	6	of	of	ADP
cblr-14250	226	7	supervisory	supervisory	ADJ
cblr-14250	226	8	discretion	discretion	NOUN
cblr-14250	226	9	:	:	PUNCT
cblr-14250	226	10	“	"	PUNCT
cblr-14250	226	11	we	we	PRON
cblr-14250	226	12	have	have	VERB
cblr-14250	226	13	a	a	DET
cblr-14250	226	14	public	public	ADJ
cblr-14250	226	15	interest	interest	NOUN
cblr-14250	226	16	in	in	ADP
cblr-14250	226	17	a	a	DET
cblr-14250	226	18	confidential	confidential	ADJ
cblr-14250	226	19	,	,	PUNCT
cblr-14250	226	20	tailored	tailor	VERB
cblr-14250	226	21	,	,	PUNCT
cblr-14250	226	22	rapid	rapid	ADJ
cblr-14250	226	23	-	-	PUNCT
cblr-14250	226	24	acting	acting	NOUN
cblr-14250	226	25	and	and	CCONJ
cblr-14250	226	26	closely	closely	ADV
cblr-14250	226	27	informed	informed	ADJ
cblr-14250	226	28	system	system	NOUN
cblr-14250	226	29	of	of	ADP
cblr-14250	226	30	bank	bank	NOUN
cblr-14250	226	31	supervision	supervision	NOUN
cblr-14250	226	32	.	.	PUNCT
cblr-14250	227	1	and	and	CCONJ
cblr-14250	227	2	we	we	PRON
cblr-14250	227	3	have	have	VERB
cblr-14250	227	4	a	a	DET
cblr-14250	227	5	public	public	ADJ
cblr-14250	227	6	interest	interest	NOUN
cblr-14250	227	7	in	in	ADP
cblr-14250	227	8	all	all	DET
cblr-14250	227	9	governmental	governmental	ADJ
cblr-14250	227	10	processes	process	NOUN
cblr-14250	227	11	being	be	AUX
cblr-14250	227	12	fair	fair	ADJ
cblr-14250	227	13	,	,	PUNCT
cblr-14250	227	14	predictable	predictable	ADJ
cblr-14250	227	15	,	,	PUNCT
cblr-14250	227	16	efficient	efficient	ADJ
cblr-14250	227	17	,	,	PUNCT
cblr-14250	227	18	and	and	CCONJ
cblr-14250	227	19	accountable	accountable	ADJ
cblr-14250	227	20	.	.	PUNCT
cblr-14250	228	1	”37	”37	PUNCT
cblr-14250	228	2	to	to	AUX
cblr-14250	228	3	“	"	PUNCT
cblr-14250	228	4	square	square	VERB
cblr-14250	228	5	the	the	DET
cblr-14250	228	6	circle	circle	NOUN
cblr-14250	228	7	,	,	PUNCT
cblr-14250	228	8	”	"	PUNCT
cblr-14250	228	9	quarles	quarle	NOUN
cblr-14250	228	10	argues	argue	VERB
cblr-14250	228	11	that	that	SCONJ
cblr-14250	228	12	we	we	PRON
cblr-14250	228	13	must	must	AUX
cblr-14250	228	14	recognize	recognize	VERB
cblr-14250	228	15	that	that	SCONJ
cblr-14250	228	16	“	"	PUNCT
cblr-14250	228	17	supervision	supervision	NOUN
cblr-14250	228	18	sits	sit	VERB
cblr-14250	228	19	uncomfortably	uncomfortably	ADV
cblr-14250	228	20	with	with	ADP
cblr-14250	228	21	the	the	DET
cblr-14250	228	22	responsibilities	responsibility	NOUN
cblr-14250	228	23	of	of	ADP
cblr-14250	228	24	government	government	NOUN
cblr-14250	228	25	in	in	ADP
cblr-14250	228	26	a	a	DET
cblr-14250	228	27	democracy	democracy	NOUN
cblr-14250	228	28	.	.	PUNCT
cblr-14250	229	1	”38	”38	NOUN
cblr-14250	229	2	the	the	DET
cblr-14250	229	3	exercise	exercise	NOUN
cblr-14250	229	4	of	of	ADP
cblr-14250	229	5	power	power	NOUN
cblr-14250	229	6	in	in	ADP
cblr-14250	229	7	the	the	DET
cblr-14250	229	8	united	united	PROPN
cblr-14250	229	9	states	states	PROPN
cblr-14250	229	10	should	should	AUX
cblr-14250	229	11	be	be	AUX
cblr-14250	229	12	defined	define	VERB
cblr-14250	229	13	by	by	ADP
cblr-14250	229	14	“	"	PUNCT
cblr-14250	229	15	generality	generality	NOUN
cblr-14250	229	16	,	,	PUNCT
cblr-14250	229	17	predictability	predictability	NOUN
cblr-14250	229	18	,	,	PUNCT
cblr-14250	229	19	publicity	publicity	NOUN
cblr-14250	229	20	,	,	PUNCT
cblr-14250	229	21	and	and	CCONJ
cblr-14250	229	22	consultation	consultation	NOUN
cblr-14250	229	23	.	.	PUNCT
cblr-14250	230	1	”39	”39	PROPN
cblr-14250	230	2	36	36	NUM
cblr-14250	230	3	see	see	VERB
cblr-14250	230	4	michael	michael	PROPN
cblr-14250	230	5	lipsky	lipsky	PROPN
cblr-14250	230	6	,	,	PUNCT
cblr-14250	230	7	street	street	NOUN
cblr-14250	230	8	-	-	PUNCT
cblr-14250	230	9	level	level	NOUN
cblr-14250	230	10	bureaucracy	bureaucracy	NOUN
cblr-14250	230	11	:	:	PUNCT
cblr-14250	230	12	dilemmas	dilemma	NOUN
cblr-14250	230	13	of	of	ADP
cblr-14250	230	14	the	the	DET
cblr-14250	230	15	individual	individual	NOUN
cblr-14250	230	16	in	in	ADP
cblr-14250	230	17	public	public	ADJ
cblr-14250	230	18	service	service	NOUN
cblr-14250	230	19	(	(	PUNCT
cblr-14250	230	20	1980	1980	NUM
cblr-14250	230	21	)	)	PUNCT
cblr-14250	230	22	;	;	PUNCT
cblr-14250	230	23	see	see	VERB
cblr-14250	230	24	also	also	ADV
cblr-14250	230	25	daniel	daniel	PROPN
cblr-14250	230	26	e.	e.	PROPN
cblr-14250	230	27	ho	ho	PROPN
cblr-14250	230	28	&	&	CCONJ
cblr-14250	230	29	sam	sam	PROPN
cblr-14250	230	30	sherman	sherman	PROPN
cblr-14250	230	31	,	,	PUNCT
cblr-14250	230	32	managing	manage	VERB
cblr-14250	230	33	street	street	NOUN
cblr-14250	230	34	-	-	PUNCT
cblr-14250	230	35	level	level	NOUN
cblr-14250	230	36	arbitrariness	arbitrariness	NOUN
cblr-14250	230	37	:	:	PUNCT
cblr-14250	230	38	the	the	DET
cblr-14250	230	39	evidence	evidence	NOUN
cblr-14250	230	40	base	base	NOUN
cblr-14250	230	41	for	for	ADP
cblr-14250	230	42	public	public	ADJ
cblr-14250	230	43	sector	sector	NOUN
cblr-14250	230	44	quality	quality	NOUN
cblr-14250	230	45	improvement	improvement	NOUN
cblr-14250	230	46	,	,	PUNCT
cblr-14250	230	47	13	13	NUM
cblr-14250	230	48	ann	ann	PROPN
cblr-14250	230	49	.	.	PUNCT
cblr-14250	231	1	rev	rev	PROPN
cblr-14250	231	2	.	.	PROPN
cblr-14250	231	3	l.	l.	PROPN
cblr-14250	231	4	&	&	CCONJ
cblr-14250	231	5	soc	soc	PROPN
cblr-14250	231	6	.	.	PUNCT
cblr-14250	232	1	sci	sci	PROPN
cblr-14250	232	2	.	.	PROPN
cblr-14250	233	1	251	251	NUM
cblr-14250	233	2	(	(	PUNCT
cblr-14250	233	3	2017	2017	NUM
cblr-14250	233	4	)	)	PUNCT
cblr-14250	233	5	.	.	PUNCT
cblr-14250	234	1	37	37	NUM
cblr-14250	234	2	randal	randal	NOUN
cblr-14250	234	3	quarles	quarle	NOUN
cblr-14250	234	4	,	,	PUNCT
cblr-14250	234	5	spontaneity	spontaneity	NOUN
cblr-14250	234	6	and	and	CCONJ
cblr-14250	234	7	order	order	NOUN
cblr-14250	234	8	:	:	PUNCT
cblr-14250	234	9	transparency	transparency	NOUN
cblr-14250	234	10	,	,	PUNCT
cblr-14250	234	11	accountability	accountability	NOUN
cblr-14250	234	12	,	,	PUNCT
cblr-14250	234	13	and	and	CCONJ
cblr-14250	234	14	fairness	fairness	NOUN
cblr-14250	234	15	in	in	ADP
cblr-14250	234	16	bank	bank	NOUN
cblr-14250	234	17	supervision	supervision	NOUN
cblr-14250	234	18	(	(	PUNCT
cblr-14250	234	19	am	be	AUX
cblr-14250	234	20	.	.	PUNCT
cblr-14250	234	21	bar	bar	NOUN
cblr-14250	234	22	ass’n	ass’n	NOUN
cblr-14250	234	23	banking	banking	NOUN
cblr-14250	234	24	l.	l.	PROPN
cblr-14250	234	25	comm	comm	PROPN
cblr-14250	234	26	.	.	PUNCT
cblr-14250	235	1	meeting	meeting	NOUN
cblr-14250	235	2	,	,	PUNCT
cblr-14250	235	3	washington	washington	PROPN
cblr-14250	235	4	,	,	PUNCT
cblr-14250	235	5	d.c	d.c	PROPN
cblr-14250	235	6	.	.	PROPN
cblr-14250	235	7	,	,	PUNCT
cblr-14250	235	8	2020	2020	NUM
cblr-14250	235	9	)	)	PUNCT
cblr-14250	235	10	.	.	PUNCT
cblr-14250	236	1	38	38	NUM
cblr-14250	237	1	i	i	PRON
cblr-14250	237	2	d.	d.	PROPN
cblr-14250	237	3	39	39	NUM
cblr-14250	238	1	i	i	PRON
cblr-14250	238	2	d.	d.	PROPN
cblr-14250	238	3	150	150	NUM
cblr-14250	238	4	columbia	columbia	PROPN
cblr-14250	238	5	business	business	NOUN
cblr-14250	238	6	law	law	PROPN
cblr-14250	238	7	review	review	NOUN
cblr-14250	238	8	[	[	X
cblr-14250	238	9	vol	vol	NOUN
cblr-14250	238	10	.	.	PUNCT
cblr-14250	238	11	2025	2025	NUM
cblr-14250	238	12	supervision	supervision	NOUN
cblr-14250	238	13	looks	look	VERB
cblr-14250	238	14	very	very	ADV
cblr-14250	238	15	little	little	ADJ
cblr-14250	238	16	like	like	ADP
cblr-14250	238	17	this	this	PRON
cblr-14250	238	18	and	and	CCONJ
cblr-14250	238	19	should	should	AUX
cblr-14250	238	20	,	,	PUNCT
cblr-14250	238	21	in	in	ADP
cblr-14250	238	22	quarles	quarle	NOUN
cblr-14250	238	23	’s	’s	PART
cblr-14250	238	24	view	view	NOUN
cblr-14250	238	25	,	,	PUNCT
cblr-14250	238	26	conform	conform	VERB
cblr-14250	238	27	much	much	ADV
cblr-14250	238	28	closer	close	ADJ
cblr-14250	238	29	to	to	ADP
cblr-14250	238	30	it	it	PRON
cblr-14250	238	31	.	.	PUNCT
cblr-14250	239	1	quarles	quarle	NOUN
cblr-14250	239	2	’s	’s	PART
cblr-14250	239	3	focus	focus	NOUN
cblr-14250	239	4	on	on	ADP
cblr-14250	239	5	the	the	DET
cblr-14250	239	6	rule	rule	NOUN
cblr-14250	239	7	-	-	PUNCT
cblr-14250	239	8	of	of	ADP
cblr-14250	239	9	-	-	PUNCT
cblr-14250	239	10	law	law	NOUN
cblr-14250	239	11	concerns	concern	NOUN
cblr-14250	239	12	associated	associate	VERB
cblr-14250	239	13	with	with	ADP
cblr-14250	239	14	supervision	supervision	NOUN
cblr-14250	239	15	is	be	AUX
cblr-14250	239	16	not	not	PART
cblr-14250	239	17	unique	unique	ADJ
cblr-14250	239	18	.	.	PUNCT
cblr-14250	240	1	many	many	ADJ
cblr-14250	240	2	commentators	commentator	NOUN
cblr-14250	240	3	in	in	ADP
cblr-14250	240	4	the	the	DET
cblr-14250	240	5	financial	financial	ADJ
cblr-14250	240	6	industry	industry	NOUN
cblr-14250	240	7	itself	itself	PRON
cblr-14250	240	8	have	have	AUX
cblr-14250	240	9	expressed	express	VERB
cblr-14250	240	10	similar	similar	ADJ
cblr-14250	240	11	views	view	NOUN
cblr-14250	240	12	,	,	PUNCT
cblr-14250	240	13	including	include	VERB
cblr-14250	240	14	the	the	DET
cblr-14250	240	15	view	view	NOUN
cblr-14250	240	16	that	that	SCONJ
cblr-14250	240	17	significant	significant	ADJ
cblr-14250	240	18	components	component	NOUN
cblr-14250	240	19	of	of	ADP
cblr-14250	240	20	modern	modern	ADJ
cblr-14250	240	21	supervisory	supervisory	ADJ
cblr-14250	240	22	practice	practice	NOUN
cblr-14250	240	23	are	be	AUX
cblr-14250	240	24	illegal	illegal	ADJ
cblr-14250	240	25	because	because	SCONJ
cblr-14250	240	26	they	they	PRON
cblr-14250	240	27	are	be	AUX
cblr-14250	240	28	insufficiently	insufficiently	ADV
cblr-14250	240	29	rooted	root	VERB
cblr-14250	240	30	in	in	ADP
cblr-14250	240	31	rulemaking	rulemaking	NOUN
cblr-14250	240	32	,	,	PUNCT
cblr-14250	240	33	and	and	CCONJ
cblr-14250	240	34	thus	thus	ADV
cblr-14250	240	35	in	in	ADP
cblr-14250	240	36	violation	violation	NOUN
cblr-14250	240	37	of	of	ADP
cblr-14250	240	38	the	the	DET
cblr-14250	240	39	administrative	administrative	ADJ
cblr-14250	240	40	procedure	procedure	NOUN
cblr-14250	240	41	act	act	NOUN
cblr-14250	240	42	(	(	PUNCT
cblr-14250	240	43	the	the	DET
cblr-14250	240	44	apa).40	apa).40	PROPN
cblr-14250	240	45	daniel	daniel	PROPN
cblr-14250	240	46	tarullo	tarullo	PROPN
cblr-14250	240	47	,	,	PUNCT
cblr-14250	240	48	quarles	quarle	VERB
cblr-14250	240	49	’s	’s	PART
cblr-14250	240	50	predecessor	predecessor	NOUN
cblr-14250	240	51	at	at	ADP
cblr-14250	240	52	the	the	DET
cblr-14250	240	53	fed	fed	PROPN
cblr-14250	240	54	with	with	ADP
cblr-14250	240	55	oversight	oversight	NOUN
cblr-14250	240	56	of	of	ADP
cblr-14250	240	57	bank	bank	NOUN
cblr-14250	240	58	supervision	supervision	NOUN
cblr-14250	240	59	,	,	PUNCT
cblr-14250	240	60	has	have	AUX
cblr-14250	240	61	offered	offer	VERB
cblr-14250	240	62	his	his	PRON
cblr-14250	240	63	own	own	ADJ
cblr-14250	240	64	scholarly	scholarly	ADJ
cblr-14250	240	65	answer	answer	NOUN
cblr-14250	240	66	to	to	ADP
cblr-14250	240	67	this	this	DET
cblr-14250	240	68	conundrum.41	conundrum.41	NOUN
cblr-14250	240	69	tarullo	tarullo	NOUN
cblr-14250	240	70	argues	argue	VERB
cblr-14250	240	71	that	that	SCONJ
cblr-14250	240	72	although	although	SCONJ
cblr-14250	240	73	general	general	ADJ
cblr-14250	240	74	principles	principle	NOUN
cblr-14250	240	75	of	of	ADP
cblr-14250	240	76	administrative	administrative	ADJ
cblr-14250	240	77	law	law	NOUN
cblr-14250	240	78	do	do	AUX
cblr-14250	240	79	suggest	suggest	VERB
cblr-14250	240	80	much	much	ADJ
cblr-14250	240	81	of	of	ADP
cblr-14250	240	82	supervisory	supervisory	ADJ
cblr-14250	240	83	action	action	NOUN
cblr-14250	240	84	is	be	AUX
cblr-14250	240	85	open	open	ADJ
cblr-14250	240	86	to	to	ADP
cblr-14250	240	87	rule	rule	NOUN
cblr-14250	240	88	-	-	PUNCT
cblr-14250	240	89	of	of	ADP
cblr-14250	240	90	-	-	PUNCT
cblr-14250	240	91	law	law	NOUN
cblr-14250	240	92	challenges	challenge	NOUN
cblr-14250	240	93	with	with	ADP
cblr-14250	240	94	uncertain	uncertain	ADJ
cblr-14250	240	95	results	result	NOUN
cblr-14250	240	96	,	,	PUNCT
cblr-14250	240	97	bank	bank	NOUN
cblr-14250	240	98	supervision	supervision	NOUN
cblr-14250	240	99	’s	’s	PART
cblr-14250	240	100	statutory	statutory	ADJ
cblr-14250	240	101	bona	bona	ADJ
cblr-14250	240	102	fides	fide	NOUN
cblr-14250	240	103	are	be	AUX
cblr-14250	240	104	strong	strong	ADJ
cblr-14250	240	105	,	,	PUNCT
cblr-14250	240	106	reflecting	reflect	VERB
cblr-14250	240	107	as	as	SCONJ
cblr-14250	240	108	they	they	PRON
cblr-14250	240	109	do	do	VERB
cblr-14250	240	110	“	"	PUNCT
cblr-14250	240	111	the	the	DET
cblr-14250	240	112	heterogenous	heterogenous	ADJ
cblr-14250	240	113	nature	nature	NOUN
cblr-14250	240	114	of	of	ADP
cblr-14250	240	115	financial	financial	ADJ
cblr-14250	240	116	intermediation	intermediation	NOUN
cblr-14250	240	117	”	"	PUNCT
cblr-14250	240	118	and	and	CCONJ
cblr-14250	240	119	the	the	DET
cblr-14250	240	120	fact	fact	NOUN
cblr-14250	240	121	that	that	SCONJ
cblr-14250	240	122	supervision	supervision	NOUN
cblr-14250	240	123	is	be	AUX
cblr-14250	240	124	an	an	DET
cblr-14250	240	125	“	"	PUNCT
cblr-14250	240	126	ongoing	ongoing	ADJ
cblr-14250	240	127	relationship	relationship	NOUN
cblr-14250	240	128	between	between	ADP
cblr-14250	240	129	a	a	DET
cblr-14250	240	130	bank	bank	NOUN
cblr-14250	240	131	and	and	CCONJ
cblr-14250	240	132	agency	agency	NOUN
cblr-14250	240	133	officials	official	NOUN
cblr-14250	240	134	.	.	PUNCT
cblr-14250	241	1	”42	”42	VERB
cblr-14250	241	2	each	each	PRON
cblr-14250	241	3	of	of	ADP
cblr-14250	241	4	these	these	DET
cblr-14250	241	5	factors	factor	NOUN
cblr-14250	241	6	suggests	suggest	VERB
cblr-14250	241	7	that	that	SCONJ
cblr-14250	241	8	traditional	traditional	ADJ
cblr-14250	241	9	principles	principle	NOUN
cblr-14250	241	10	of	of	ADP
cblr-14250	241	11	administrative	administrative	ADJ
cblr-14250	241	12	law	law	NOUN
cblr-14250	241	13	and	and	CCONJ
cblr-14250	241	14	political	political	ADJ
cblr-14250	241	15	power	power	NOUN
cblr-14250	241	16	—	—	PUNCT
cblr-14250	241	17	the	the	DET
cblr-14250	241	18	rule	rule	NOUN
cblr-14250	241	19	-	-	PUNCT
cblr-14250	241	20	of	of	ADP
cblr-14250	241	21	-	-	PUNCT
cblr-14250	241	22	law	law	NOUN
cblr-14250	241	23	concerns	concern	NOUN
cblr-14250	241	24	that	that	PRON
cblr-14250	241	25	animates	animate	VERB
cblr-14250	241	26	the	the	DET
cblr-14250	241	27	supervisory	supervisory	ADJ
cblr-14250	241	28	critique	critique	NOUN
cblr-14250	241	29	above	above	ADV
cblr-14250	241	30	—	—	PUNCT
cblr-14250	241	31	are	be	AUX
cblr-14250	241	32	less	less	ADV
cblr-14250	241	33	applicable	applicable	ADJ
cblr-14250	241	34	to	to	ADP
cblr-14250	241	35	bank	bank	NOUN
cblr-14250	241	36	supervision	supervision	NOUN
cblr-14250	241	37	than	than	SCONJ
cblr-14250	241	38	they	they	PRON
cblr-14250	241	39	might	might	AUX
cblr-14250	241	40	appear	appear	VERB
cblr-14250	241	41	.	.	PUNCT
cblr-14250	242	1	in	in	ADP
cblr-14250	242	2	other	other	ADJ
cblr-14250	242	3	words	word	NOUN
cblr-14250	242	4	,	,	PUNCT
cblr-14250	242	5	there	there	PRON
cblr-14250	242	6	is	be	VERB
cblr-14250	242	7	an	an	DET
cblr-14250	242	8	existential	existential	ADJ
cblr-14250	242	9	debate	debate	NOUN
cblr-14250	242	10	afoot	afoot	NOUN
cblr-14250	242	11	on	on	ADP
cblr-14250	242	12	what	what	DET
cblr-14250	242	13	supervision	supervision	NOUN
cblr-14250	242	14	should	should	AUX
cblr-14250	242	15	be	be	AUX
cblr-14250	242	16	.	.	PUNCT
cblr-14250	243	1	supervision	supervision	NOUN
cblr-14250	243	2	-	-	PUNCT
cblr-14250	243	3	as	as	ADP
cblr-14250	243	4	-	-	PUNCT
cblr-14250	243	5	discretion	discretion	NOUN
cblr-14250	243	6	takes	take	VERB
cblr-14250	243	7	a	a	DET
cblr-14250	243	8	clear	clear	ADJ
cblr-14250	243	9	view	view	NOUN
cblr-14250	243	10	that	that	PRON
cblr-14250	243	11	does	do	AUX
cblr-14250	243	12	not	not	PART
cblr-14250	243	13	fit	fit	VERB
cblr-14250	243	14	neatly	neatly	ADV
cblr-14250	243	15	into	into	ADP
cblr-14250	243	16	this	this	DET
cblr-14250	243	17	debate	debate	NOUN
cblr-14250	243	18	as	as	SCONJ
cblr-14250	243	19	it	it	PRON
cblr-14250	243	20	has	have	AUX
cblr-14250	243	21	been	be	AUX
cblr-14250	243	22	introduced	introduce	VERB
cblr-14250	243	23	.	.	PUNCT
cblr-14250	244	1	our	our	PRON
cblr-14250	244	2	argument	argument	NOUN
cblr-14250	244	3	is	be	AUX
cblr-14250	244	4	not	not	PART
cblr-14250	244	5	about	about	ADP
cblr-14250	244	6	the	the	DET
cblr-14250	244	7	apa	apa	PROPN
cblr-14250	244	8	,	,	PUNCT
cblr-14250	244	9	but	but	CCONJ
cblr-14250	244	10	about	about	ADP
cblr-14250	244	11	the	the	DET
cblr-14250	244	12	nature	nature	NOUN
cblr-14250	244	13	of	of	ADP
cblr-14250	244	14	bank	bank	NOUN
cblr-14250	244	15	supervision	supervision	NOUN
cblr-14250	244	16	as	as	SCONJ
cblr-14250	244	17	it	it	PRON
cblr-14250	244	18	has	have	AUX
cblr-14250	244	19	evolved	evolve	VERB
cblr-14250	244	20	and	and	CCONJ
cblr-14250	244	21	adapted	adapt	VERB
cblr-14250	244	22	to	to	ADP
cblr-14250	244	23	40	40	NUM
cblr-14250	244	24	see	see	NOUN
cblr-14250	244	25	greg	greg	PROPN
cblr-14250	244	26	baer	baer	PROPN
cblr-14250	244	27	&	&	CCONJ
cblr-14250	244	28	jeremy	jeremy	PROPN
cblr-14250	244	29	newell	newell	PROPN
cblr-14250	244	30	,	,	PUNCT
cblr-14250	244	31	how	how	SCONJ
cblr-14250	244	32	bank	bank	NOUN
cblr-14250	244	33	supervision	supervision	NOUN
cblr-14250	244	34	lost	lose	VERB
cblr-14250	244	35	its	its	PRON
cblr-14250	244	36	way	way	NOUN
cblr-14250	244	37	,	,	PUNCT
cblr-14250	244	38	bank	bank	NOUN
cblr-14250	244	39	pol’y	pol’y	NOUN
cblr-14250	244	40	inst	inst	PROPN
cblr-14250	244	41	.	.	PROPN
cblr-14250	244	42	,	,	PUNCT
cblr-14250	244	43	may	may	AUX
cblr-14250	244	44	25	25	NUM
cblr-14250	244	45	,	,	PUNCT
cblr-14250	244	46	2017	2017	NUM
cblr-14250	244	47	,	,	PUNCT
cblr-14250	244	48	https://bpi.com/how-bank-supervision-lostits-way/	https://bpi.com/how-bank-supervision-lostits-way/	PROPN
cblr-14250	244	49	[	[	X
cblr-14250	244	50	https://perma.cc/jnn7-yb62	https://perma.cc/jnn7-yb62	X
cblr-14250	244	51	]	]	X
cblr-14250	244	52	;	;	PUNCT
cblr-14250	244	53	hal	hal	PROPN
cblr-14250	244	54	scott	scott	PROPN
cblr-14250	244	55	,	,	PUNCT
cblr-14250	244	56	stress	stress	NOUN
cblr-14250	244	57	tests	test	NOUN
cblr-14250	244	58	:	:	PUNCT
cblr-14250	244	59	restore	restore	VERB
cblr-14250	244	60	compliance	compliance	NOUN
cblr-14250	244	61	with	with	ADP
cblr-14250	244	62	the	the	DET
cblr-14250	244	63	apa	apa	PROPN
cblr-14250	244	64	,	,	PUNCT
cblr-14250	244	65	banking	banking	NOUN
cblr-14250	244	66	perspectives	perspective	NOUN
cblr-14250	244	67	,	,	PUNCT
cblr-14250	244	68	sept	sept	PROPN
cblr-14250	244	69	.	.	PROPN
cblr-14250	244	70	3	3	NUM
cblr-14250	244	71	,	,	PUNCT
cblr-14250	244	72	2017	2017	NUM
cblr-14250	244	73	,	,	PUNCT
cblr-14250	244	74	https://www.bankingperspectives.com/stress-tests-restore-compliancewith-the-apa/	https://www.bankingperspectives.com/stress-tests-restore-compliancewith-the-apa/	PROPN
cblr-14250	244	75	;	;	PUNCT
cblr-14250	244	76	bank	bank	NOUN
cblr-14250	244	77	capital	capital	NOUN
cblr-14250	244	78	and	and	CCONJ
cblr-14250	244	79	liquidity	liquidity	NOUN
cblr-14250	244	80	regulation	regulation	NOUN
cblr-14250	244	81	:	:	PUNCT
cblr-14250	244	82	hearing	hear	VERB
cblr-14250	244	83	before	before	ADP
cblr-14250	244	84	the	the	DET
cblr-14250	244	85	s.	s.	PROPN
cblr-14250	244	86	comm	comm	NOUN
cblr-14250	244	87	.	.	PUNCT
cblr-14250	245	1	on	on	ADP
cblr-14250	245	2	banking	banking	NOUN
cblr-14250	245	3	,	,	PUNCT
cblr-14250	245	4	housing	housing	NOUN
cblr-14250	245	5	,	,	PUNCT
cblr-14250	245	6	and	and	CCONJ
cblr-14250	245	7	urban	urban	PROPN
cblr-14250	245	8	affairs	affairs	PROPN
cblr-14250	245	9	,	,	PUNCT
cblr-14250	245	10	june	june	PROPN
cblr-14250	245	11	7	7	NUM
cblr-14250	245	12	,	,	PUNCT
cblr-14250	245	13	2016	2016	NUM
cblr-14250	245	14	,	,	PUNCT
cblr-14250	245	15	https://capmktsreg.org/wpcontent/uploads/2023/03/hss_written_testimony-sbc-6-7-16.pdf	https://capmktsreg.org/wpcontent/uploads/2023/03/hss_written_testimony-sbc-6-7-16.pdf	PROPN
cblr-14250	245	16	[	[	X
cblr-14250	245	17	https://perma.cc/42a9-fzth	https://perma.cc/42a9-fzth	X
cblr-14250	245	18	]	]	X
cblr-14250	245	19	(	(	PUNCT
cblr-14250	245	20	written	write	VERB
cblr-14250	245	21	testimony	testimony	NOUN
cblr-14250	245	22	of	of	ADP
cblr-14250	245	23	hal	hal	PROPN
cblr-14250	245	24	s.	s.	PROPN
cblr-14250	245	25	scott	scott	PROPN
cblr-14250	245	26	)	)	PUNCT
cblr-14250	245	27	.	.	PUNCT
cblr-14250	246	1	41	41	NUM
cblr-14250	246	2	see	see	VERB
cblr-14250	246	3	generally	generally	ADV
cblr-14250	246	4	tarullo	tarullo	NOUN
cblr-14250	246	5	,	,	PUNCT
cblr-14250	246	6	supra	supra	PROPN
cblr-14250	246	7	note	note	NOUN
cblr-14250	247	1	3	3	NUM
cblr-14250	247	2	.	.	NUM
cblr-14250	247	3	42	42	NUM
cblr-14250	248	1	i	i	PRON
cblr-14250	248	2	d.	d.	PROPN
cblr-14250	248	3	at	at	ADP
cblr-14250	248	4	284	284	NUM
cblr-14250	248	5	.	.	PUNCT
cblr-14250	249	1	no	no	INTJ
cblr-14250	249	2	.	.	NOUN
cblr-14250	249	3	1	1	NUM
cblr-14250	249	4	]	]	PUNCT
cblr-14250	249	5	risk	risk	NOUN
cblr-14250	249	6	,	,	PUNCT
cblr-14250	249	7	discretion	discretion	NOUN
cblr-14250	249	8	,	,	PUNCT
cblr-14250	249	9	and	and	CCONJ
cblr-14250	249	10	bank	bank	NOUN
cblr-14250	249	11	supervision	supervision	NOUN
cblr-14250	249	12	151	151	NUM
cblr-14250	249	13	its	its	PRON
cblr-14250	249	14	status	status	NOUN
cblr-14250	249	15	within	within	ADP
cblr-14250	249	16	the	the	DET
cblr-14250	249	17	financial	financial	ADJ
cblr-14250	249	18	system	system	NOUN
cblr-14250	249	19	.	.	PUNCT
cblr-14250	250	1	that	that	DET
cblr-14250	250	2	evolution	evolution	NOUN
cblr-14250	250	3	has	have	AUX
cblr-14250	250	4	produced	produce	VERB
cblr-14250	250	5	a	a	DET
cblr-14250	250	6	set	set	NOUN
cblr-14250	250	7	of	of	ADP
cblr-14250	250	8	disparate	disparate	ADJ
cblr-14250	250	9	practices	practice	NOUN
cblr-14250	250	10	that	that	PRON
cblr-14250	250	11	place	place	VERB
cblr-14250	250	12	discretion	discretion	NOUN
cblr-14250	250	13	at	at	ADP
cblr-14250	250	14	the	the	DET
cblr-14250	250	15	center	center	NOUN
cblr-14250	250	16	.	.	PUNCT
cblr-14250	251	1	efforts	effort	NOUN
cblr-14250	251	2	,	,	PUNCT
cblr-14250	251	3	then	then	ADV
cblr-14250	251	4	,	,	PUNCT
cblr-14250	251	5	to	to	PART
cblr-14250	251	6	reduce	reduce	VERB
cblr-14250	251	7	or	or	CCONJ
cblr-14250	251	8	remove	remove	VERB
cblr-14250	251	9	discretion	discretion	NOUN
cblr-14250	251	10	within	within	ADP
cblr-14250	251	11	supervision	supervision	NOUN
cblr-14250	251	12	run	run	VERB
cblr-14250	251	13	the	the	DET
cblr-14250	251	14	risk	risk	NOUN
cblr-14250	251	15	of	of	ADP
cblr-14250	251	16	eliminating	eliminate	VERB
cblr-14250	251	17	what	what	PRON
cblr-14250	251	18	is	be	AUX
cblr-14250	251	19	distinct	distinct	ADJ
cblr-14250	251	20	about	about	ADP
cblr-14250	251	21	supervision	supervision	NOUN
cblr-14250	251	22	at	at	ADV
cblr-14250	251	23	all	all	ADV
cblr-14250	251	24	.	.	PUNCT
cblr-14250	252	1	d.	d.	PROPN
cblr-14250	252	2	supervision	supervision	PROPN
cblr-14250	252	3	as	as	ADP
cblr-14250	252	4	residual	residual	ADJ
cblr-14250	252	5	risk	risk	NOUN
cblr-14250	252	6	management	management	NOUN
cblr-14250	252	7	our	our	PRON
cblr-14250	252	8	theoretical	theoretical	ADJ
cblr-14250	252	9	account	account	NOUN
cblr-14250	252	10	of	of	ADP
cblr-14250	252	11	supervision	supervision	NOUN
cblr-14250	252	12	,	,	PUNCT
cblr-14250	252	13	then	then	ADV
cblr-14250	252	14	,	,	PUNCT
cblr-14250	252	15	builds	build	VERB
cblr-14250	252	16	on	on	ADP
cblr-14250	252	17	four	four	NUM
cblr-14250	252	18	sequential	sequential	ADJ
cblr-14250	252	19	insights	insight	NOUN
cblr-14250	252	20	.	.	PUNCT
cblr-14250	253	1	supervision	supervision	NOUN
cblr-14250	253	2	is	be	AUX
cblr-14250	253	3	(	(	PUNCT
cblr-14250	253	4	1	1	NUM
cblr-14250	253	5	)	)	PUNCT
cblr-14250	253	6	about	about	ADP
cblr-14250	253	7	the	the	DET
cblr-14250	253	8	relationship	relationship	NOUN
cblr-14250	253	9	between	between	ADP
cblr-14250	253	10	individual	individual	ADJ
cblr-14250	253	11	actors	actor	NOUN
cblr-14250	253	12	in	in	ADP
cblr-14250	253	13	government	government	NOUN
cblr-14250	253	14	and	and	CCONJ
cblr-14250	253	15	individual	individual	ADJ
cblr-14250	253	16	financial	financial	ADJ
cblr-14250	253	17	institutions	institution	NOUN
cblr-14250	253	18	—	—	PUNCT
cblr-14250	253	19	where	where	SCONJ
cblr-14250	253	20	the	the	DET
cblr-14250	253	21	rubber	rubber	NOUN
cblr-14250	253	22	hits	hit	VERB
cblr-14250	253	23	the	the	DET
cblr-14250	253	24	road	road	NOUN
cblr-14250	253	25	of	of	ADP
cblr-14250	253	26	government	government	NOUN
cblr-14250	253	27	and	and	CCONJ
cblr-14250	253	28	market	market	NOUN
cblr-14250	253	29	power	power	NOUN
cblr-14250	253	30	.	.	PUNCT
cblr-14250	254	1	it	it	PRON
cblr-14250	254	2	is	be	AUX
cblr-14250	254	3	further	far	ADV
cblr-14250	254	4	defined	define	VERB
cblr-14250	254	5	by	by	ADP
cblr-14250	254	6	(	(	PUNCT
cblr-14250	254	7	2	2	X
cblr-14250	254	8	)	)	PUNCT
cblr-14250	254	9	evolutionary	evolutionary	ADJ
cblr-14250	254	10	processes	process	NOUN
cblr-14250	254	11	and	and	CCONJ
cblr-14250	254	12	resistance	resistance	NOUN
cblr-14250	254	13	to	to	ADP
cblr-14250	254	14	efforts	effort	NOUN
cblr-14250	254	15	to	to	PART
cblr-14250	254	16	impose	impose	VERB
cblr-14250	254	17	a	a	DET
cblr-14250	254	18	single	single	ADJ
cblr-14250	254	19	defining	define	VERB
cblr-14250	254	20	ethos	ethos	NOUN
cblr-14250	254	21	,	,	PUNCT
cblr-14250	254	22	leaving	leave	VERB
cblr-14250	254	23	instead	instead	ADV
cblr-14250	254	24	supervisors	supervisor	NOUN
cblr-14250	254	25	—	—	PUNCT
cblr-14250	254	26	and	and	CCONJ
cblr-14250	254	27	congress	congress	NOUN
cblr-14250	254	28	—	—	PUNCT
cblr-14250	254	29	to	to	PART
cblr-14250	254	30	use	use	VERB
cblr-14250	254	31	(	(	PUNCT
cblr-14250	254	32	3	3	X
cblr-14250	254	33	)	)	PUNCT
cblr-14250	254	34	supervisory	supervisory	ADJ
cblr-14250	254	35	discretion	discretion	NOUN
cblr-14250	254	36	to	to	PART
cblr-14250	254	37	choose	choose	VERB
cblr-14250	254	38	among	among	ADP
cblr-14250	254	39	competing	compete	VERB
cblr-14250	254	40	conceptions	conception	NOUN
cblr-14250	254	41	of	of	ADP
cblr-14250	254	42	what	what	PRON
cblr-14250	254	43	that	that	DET
cblr-14250	254	44	individual	individual	ADJ
cblr-14250	254	45	relationship	relationship	NOUN
cblr-14250	254	46	should	should	AUX
cblr-14250	254	47	be	be	AUX
cblr-14250	254	48	.	.	PUNCT
cblr-14250	255	1	however	however	ADV
cblr-14250	255	2	,	,	PUNCT
cblr-14250	255	3	the	the	DET
cblr-14250	255	4	most	most	ADV
cblr-14250	255	5	important	important	ADJ
cblr-14250	255	6	payoff	payoff	NOUN
cblr-14250	255	7	of	of	ADP
cblr-14250	255	8	this	this	DET
cblr-14250	255	9	account	account	NOUN
cblr-14250	255	10	is	be	AUX
cblr-14250	255	11	the	the	DET
cblr-14250	255	12	fourth	fourth	ADJ
cblr-14250	255	13	insight	insight	NOUN
cblr-14250	255	14	:	:	PUNCT
cblr-14250	255	15	that	that	SCONJ
cblr-14250	255	16	this	this	DET
cblr-14250	255	17	system	system	NOUN
cblr-14250	255	18	has	have	AUX
cblr-14250	255	19	(	(	PUNCT
cblr-14250	255	20	4	4	X
cblr-14250	255	21	)	)	PUNCT
cblr-14250	255	22	proved	prove	VERB
cblr-14250	255	23	so	so	ADV
cblr-14250	255	24	resilient	resilient	ADJ
cblr-14250	255	25	to	to	PART
cblr-14250	255	26	change	change	VERB
cblr-14250	255	27	,	,	PUNCT
cblr-14250	255	28	and	and	CCONJ
cblr-14250	255	29	so	so	ADV
cblr-14250	255	30	amenable	amenable	ADJ
cblr-14250	255	31	to	to	ADP
cblr-14250	255	32	expansion	expansion	NOUN
cblr-14250	255	33	,	,	PUNCT
cblr-14250	255	34	because	because	SCONJ
cblr-14250	255	35	supervisory	supervisory	ADJ
cblr-14250	255	36	discretion	discretion	NOUN
cblr-14250	255	37	functions	function	NOUN
cblr-14250	255	38	as	as	ADP
cblr-14250	255	39	a	a	DET
cblr-14250	255	40	risk	risk	NOUN
cblr-14250	255	41	absorber	absorber	NOUN
cblr-14250	255	42	for	for	ADP
cblr-14250	255	43	the	the	DET
cblr-14250	255	44	entire	entire	ADJ
cblr-14250	255	45	financial	financial	ADJ
cblr-14250	255	46	system	system	NOUN
cblr-14250	255	47	.	.	PUNCT
cblr-14250	256	1	bank	bank	NOUN
cblr-14250	256	2	supervision	supervision	NOUN
cblr-14250	256	3	is	be	AUX
cblr-14250	256	4	the	the	DET
cblr-14250	256	5	promise	promise	NOUN
cblr-14250	256	6	that	that	PRON
cblr-14250	256	7	the	the	DET
cblr-14250	256	8	government	government	NOUN
cblr-14250	256	9	will	will	AUX
cblr-14250	256	10	participate	participate	VERB
cblr-14250	256	11	with	with	ADP
cblr-14250	256	12	the	the	DET
cblr-14250	256	13	private	private	ADJ
cblr-14250	256	14	sector	sector	NOUN
cblr-14250	256	15	to	to	PART
cblr-14250	256	16	manage	manage	VERB
cblr-14250	256	17	and	and	CCONJ
cblr-14250	256	18	take	take	VERB
cblr-14250	256	19	responsibility	responsibility	NOUN
cblr-14250	256	20	for	for	ADP
cblr-14250	256	21	the	the	DET
cblr-14250	256	22	residual	residual	ADJ
cblr-14250	256	23	risk	risk	NOUN
cblr-14250	256	24	stemming	stem	VERB
cblr-14250	256	25	from	from	ADP
cblr-14250	256	26	design	design	NOUN
cblr-14250	256	27	choices	choice	NOUN
cblr-14250	256	28	inherent	inherent	ADJ
cblr-14250	256	29	to	to	ADP
cblr-14250	256	30	the	the	DET
cblr-14250	256	31	american	american	ADJ
cblr-14250	256	32	financial	financial	ADJ
cblr-14250	256	33	system	system	NOUN
cblr-14250	256	34	.	.	PUNCT
cblr-14250	257	1	contrary	contrary	ADJ
cblr-14250	257	2	to	to	ADP
cblr-14250	257	3	other	other	ADJ
cblr-14250	257	4	categories	category	NOUN
cblr-14250	257	5	of	of	ADP
cblr-14250	257	6	risk	risk	NOUN
cblr-14250	257	7	—	—	PUNCT
cblr-14250	257	8	national	national	ADJ
cblr-14250	257	9	security	security	NOUN
cblr-14250	257	10	after	after	ADP
cblr-14250	257	11	september	september	PROPN
cblr-14250	257	12	11	11	NUM
cblr-14250	257	13	,	,	PUNCT
cblr-14250	257	14	2001	2001	NUM
cblr-14250	257	15	,	,	PUNCT
cblr-14250	257	16	for	for	ADP
cblr-14250	257	17	example	example	NOUN
cblr-14250	257	18	—	—	PUNCT
cblr-14250	257	19	financial	financial	ADJ
cblr-14250	257	20	crises	crisis	NOUN
cblr-14250	257	21	have	have	AUX
cblr-14250	257	22	become	become	AUX
cblr-14250	257	23	viewed	view	VERB
cblr-14250	257	24	,	,	PUNCT
cblr-14250	257	25	to	to	ADP
cblr-14250	257	26	some	some	DET
cblr-14250	257	27	degree	degree	NOUN
cblr-14250	257	28	,	,	PUNCT
cblr-14250	257	29	as	as	ADP
cblr-14250	257	30	the	the	DET
cblr-14250	257	31	cost	cost	NOUN
cblr-14250	257	32	of	of	ADP
cblr-14250	257	33	the	the	DET
cblr-14250	257	34	american	american	ADJ
cblr-14250	257	35	system	system	NOUN
cblr-14250	257	36	.	.	PUNCT
cblr-14250	258	1	supervision	supervision	NOUN
cblr-14250	258	2	,	,	PUNCT
cblr-14250	258	3	then	then	ADV
cblr-14250	258	4	,	,	PUNCT
cblr-14250	258	5	is	be	AUX
cblr-14250	258	6	not	not	PART
cblr-14250	258	7	just	just	ADV
cblr-14250	258	8	about	about	ADP
cblr-14250	258	9	punishing	punish	VERB
cblr-14250	258	10	wrongdoers	wrongdoer	NOUN
cblr-14250	258	11	or	or	CCONJ
cblr-14250	258	12	responding	respond	VERB
cblr-14250	258	13	to	to	ADP
cblr-14250	258	14	financial	financial	ADJ
cblr-14250	258	15	panics	panic	NOUN
cblr-14250	258	16	;	;	PUNCT
cblr-14250	258	17	rather	rather	ADV
cblr-14250	258	18	,	,	PUNCT
cblr-14250	258	19	it	it	PRON
cblr-14250	258	20	is	be	AUX
cblr-14250	258	21	about	about	ADP
cblr-14250	258	22	managing	manage	VERB
cblr-14250	258	23	a	a	DET
cblr-14250	258	24	large	large	ADJ
cblr-14250	258	25	and	and	CCONJ
cblr-14250	258	26	ever	ever	ADV
cblr-14250	258	27	-	-	PUNCT
cblr-14250	258	28	growing	grow	VERB
cblr-14250	258	29	system	system	NOUN
cblr-14250	258	30	of	of	ADP
cblr-14250	258	31	political	political	ADJ
cblr-14250	258	32	and	and	CCONJ
cblr-14250	258	33	financial	financial	ADJ
cblr-14250	258	34	risk	risk	NOUN
cblr-14250	258	35	that	that	SCONJ
cblr-14250	258	36	we	we	PRON
cblr-14250	258	37	,	,	PUNCT
cblr-14250	258	38	as	as	ADP
cblr-14250	258	39	a	a	DET
cblr-14250	258	40	society	society	NOUN
cblr-14250	258	41	,	,	PUNCT
cblr-14250	258	42	have	have	AUX
cblr-14250	258	43	decided	decide	VERB
cblr-14250	258	44	we	we	PRON
cblr-14250	258	45	want	want	VERB
cblr-14250	258	46	to	to	PART
cblr-14250	258	47	take	take	VERB
cblr-14250	258	48	,	,	PUNCT
cblr-14250	258	49	using	use	VERB
cblr-14250	258	50	a	a	DET
cblr-14250	258	51	variety	variety	NOUN
cblr-14250	258	52	of	of	ADP
cblr-14250	258	53	tools	tool	NOUN
cblr-14250	258	54	and	and	CCONJ
cblr-14250	258	55	strategies	strategy	NOUN
cblr-14250	258	56	that	that	PRON
cblr-14250	258	57	at	at	ADP
cblr-14250	258	58	times	time	NOUN
cblr-14250	258	59	converge	converge	VERB
cblr-14250	258	60	and	and	CCONJ
cblr-14250	258	61	at	at	ADP
cblr-14250	258	62	times	time	NOUN
cblr-14250	258	63	conflict	conflict	NOUN
cblr-14250	258	64	.	.	PUNCT
cblr-14250	259	1	supervision	supervision	NOUN
cblr-14250	259	2	is	be	AUX
cblr-14250	259	3	,	,	PUNCT
cblr-14250	259	4	in	in	ADP
cblr-14250	259	5	this	this	DET
cblr-14250	259	6	way	way	NOUN
cblr-14250	259	7	,	,	PUNCT
cblr-14250	259	8	about	about	ADP
cblr-14250	259	9	managing	manage	VERB
cblr-14250	259	10	the	the	DET
cblr-14250	259	11	moral	moral	ADJ
cblr-14250	259	12	hazard	hazard	NOUN
cblr-14250	259	13	in	in	ADP
cblr-14250	259	14	the	the	DET
cblr-14250	259	15	financial	financial	ADJ
cblr-14250	259	16	system	system	NOUN
cblr-14250	259	17	.	.	PUNCT
cblr-14250	260	1	the	the	DET
cblr-14250	260	2	concept	concept	NOUN
cblr-14250	260	3	of	of	ADP
cblr-14250	260	4	“	"	PUNCT
cblr-14250	260	5	moral	moral	ADJ
cblr-14250	260	6	hazard	hazard	NOUN
cblr-14250	260	7	”	"	PUNCT
cblr-14250	260	8	comes	come	VERB
cblr-14250	260	9	from	from	ADP
cblr-14250	260	10	nineteenth	nineteenth	ADJ
cblr-14250	260	11	century	century	NOUN
cblr-14250	260	12	insurance	insurance	NOUN
cblr-14250	260	13	theory	theory	NOUN
cblr-14250	260	14	and	and	CCONJ
cblr-14250	260	15	denotes	denote	VERB
cblr-14250	260	16	the	the	DET
cblr-14250	260	17	concern	concern	NOUN
cblr-14250	260	18	that	that	SCONJ
cblr-14250	260	19	people	people	NOUN
cblr-14250	260	20	or	or	CCONJ
cblr-14250	260	21	firms	firm	NOUN
cblr-14250	260	22	that	that	PRON
cblr-14250	260	23	take	take	VERB
cblr-14250	260	24	out	out	ADP
cblr-14250	260	25	insurance	insurance	NOUN
cblr-14250	260	26	to	to	ADP
cblr-14250	260	27	152	152	NUM
cblr-14250	260	28	columbia	columbia	PROPN
cblr-14250	260	29	business	business	NOUN
cblr-14250	260	30	law	law	PROPN
cblr-14250	260	31	review	review	NOUN
cblr-14250	260	32	[	[	X
cblr-14250	260	33	vol	vol	NOUN
cblr-14250	260	34	.	.	PUNCT
cblr-14250	260	35	2025	2025	NUM
cblr-14250	260	36	protect	protect	VERB
cblr-14250	260	37	themselves	themselves	PRON
cblr-14250	260	38	against	against	ADP
cblr-14250	260	39	specific	specific	ADJ
cblr-14250	260	40	kinds	kind	NOUN
cblr-14250	260	41	of	of	ADP
cblr-14250	260	42	risk	risk	NOUN
cblr-14250	260	43	will	will	AUX
cblr-14250	260	44	be	be	AUX
cblr-14250	260	45	less	less	ADV
cblr-14250	260	46	dutiful	dutiful	ADJ
cblr-14250	260	47	about	about	ADP
cblr-14250	260	48	avoiding	avoid	VERB
cblr-14250	260	49	those	those	DET
cblr-14250	260	50	risks.43	risks.43	ADJ
cblr-14250	260	51	eliminating	eliminate	VERB
cblr-14250	260	52	moral	moral	ADJ
cblr-14250	260	53	hazard	hazard	NOUN
cblr-14250	260	54	is	be	AUX
cblr-14250	260	55	often	often	ADV
cblr-14250	260	56	cited	cite	VERB
cblr-14250	260	57	as	as	ADP
cblr-14250	260	58	the	the	DET
cblr-14250	260	59	defining	define	VERB
cblr-14250	260	60	problem	problem	NOUN
cblr-14250	260	61	of	of	ADP
cblr-14250	260	62	institutional	institutional	ADJ
cblr-14250	260	63	design	design	NOUN
cblr-14250	260	64	in	in	ADP
cblr-14250	260	65	the	the	DET
cblr-14250	260	66	financial	financial	ADJ
cblr-14250	260	67	system.44	system.44	NOUN
cblr-14250	260	68	we	we	PRON
cblr-14250	260	69	argue	argue	VERB
cblr-14250	260	70	,	,	PUNCT
cblr-14250	260	71	instead	instead	ADV
cblr-14250	260	72	,	,	PUNCT
cblr-14250	260	73	that	that	DET
cblr-14250	260	74	moral	moral	ADJ
cblr-14250	260	75	hazard	hazard	NOUN
cblr-14250	260	76	is	be	AUX
cblr-14250	260	77	irretrievably	irretrievably	ADV
cblr-14250	260	78	baked	bake	VERB
cblr-14250	260	79	into	into	ADP
cblr-14250	260	80	our	our	PRON
cblr-14250	260	81	system	system	NOUN
cblr-14250	260	82	:	:	PUNCT
cblr-14250	260	83	banking	banking	NOUN
cblr-14250	260	84	,	,	PUNCT
cblr-14250	260	85	by	by	ADP
cblr-14250	260	86	its	its	PRON
cblr-14250	260	87	very	very	ADJ
cblr-14250	260	88	nature	nature	NOUN
cblr-14250	260	89	,	,	PUNCT
cblr-14250	260	90	will	will	AUX
cblr-14250	260	91	always	always	ADV
cblr-14250	260	92	be	be	AUX
cblr-14250	260	93	a	a	DET
cblr-14250	260	94	contest	contest	NOUN
cblr-14250	260	95	and	and	CCONJ
cblr-14250	260	96	collaboration	collaboration	NOUN
cblr-14250	260	97	between	between	ADP
cblr-14250	260	98	public	public	ADJ
cblr-14250	260	99	and	and	CCONJ
cblr-14250	260	100	private	private	ADJ
cblr-14250	260	101	actors	actor	NOUN
cblr-14250	260	102	.	.	PUNCT
cblr-14250	261	1	therefore	therefore	ADV
cblr-14250	261	2	,	,	PUNCT
cblr-14250	261	3	that	that	DET
cblr-14250	261	4	moral	moral	ADJ
cblr-14250	261	5	hazard	hazard	NOUN
cblr-14250	261	6	is	be	AUX
cblr-14250	261	7	not	not	PART
cblr-14250	261	8	a	a	DET
cblr-14250	261	9	policy	policy	NOUN
cblr-14250	261	10	problem	problem	NOUN
cblr-14250	261	11	to	to	PART
cblr-14250	261	12	solve	solve	VERB
cblr-14250	261	13	for	for	ADP
cblr-14250	261	14	bank	bank	NOUN
cblr-14250	261	15	supervisors	supervisor	NOUN
cblr-14250	261	16	.	.	PUNCT
cblr-14250	262	1	managing	manage	VERB
cblr-14250	262	2	moral	moral	ADJ
cblr-14250	262	3	hazard	hazard	NOUN
cblr-14250	262	4	is	be	AUX
cblr-14250	262	5	the	the	DET
cblr-14250	262	6	job	job	NOUN
cblr-14250	262	7	description.45	description.45	INTJ
cblr-14250	262	8	to	to	PART
cblr-14250	262	9	state	state	VERB
cblr-14250	262	10	the	the	DET
cblr-14250	262	11	point	point	NOUN
cblr-14250	262	12	differently	differently	ADV
cblr-14250	262	13	,	,	PUNCT
cblr-14250	262	14	congress	congress	PROPN
cblr-14250	262	15	uses	use	VERB
cblr-14250	262	16	regulation	regulation	NOUN
cblr-14250	262	17	to	to	PART
cblr-14250	262	18	eliminate	eliminate	VERB
cblr-14250	262	19	moral	moral	ADJ
cblr-14250	262	20	hazard	hazard	NOUN
cblr-14250	262	21	;	;	PUNCT
cblr-14250	262	22	it	it	PRON
cblr-14250	262	23	uses	use	VERB
cblr-14250	262	24	supervision	supervision	NOUN
cblr-14250	262	25	to	to	PART
cblr-14250	262	26	manage	manage	VERB
cblr-14250	262	27	moral	moral	ADJ
cblr-14250	262	28	hazard	hazard	NOUN
cblr-14250	262	29	.	.	PUNCT
cblr-14250	263	1	recasting	recast	VERB
cblr-14250	263	2	bank	bank	NOUN
cblr-14250	263	3	supervision	supervision	NOUN
cblr-14250	263	4	as	as	ADP
cblr-14250	263	5	a	a	DET
cblr-14250	263	6	category	category	NOUN
cblr-14250	263	7	of	of	ADP
cblr-14250	263	8	political	political	ADJ
cblr-14250	263	9	and	and	CCONJ
cblr-14250	263	10	financial	financial	ADJ
cblr-14250	263	11	systemic	systemic	ADJ
cblr-14250	263	12	risk	risk	NOUN
cblr-14250	263	13	management	management	NOUN
cblr-14250	263	14	allows	allow	VERB
cblr-14250	263	15	us	we	PRON
cblr-14250	263	16	to	to	PART
cblr-14250	263	17	answer	answer	VERB
cblr-14250	263	18	some	some	DET
cblr-14250	263	19	important	important	ADJ
cblr-14250	263	20	questions	question	NOUN
cblr-14250	263	21	about	about	ADP
cblr-14250	263	22	finance	finance	NOUN
cblr-14250	263	23	and	and	CCONJ
cblr-14250	263	24	the	the	DET
cblr-14250	263	25	administrative	administrative	ADJ
cblr-14250	263	26	state	state	NOUN
cblr-14250	263	27	.	.	PUNCT
cblr-14250	264	1	first	first	ADV
cblr-14250	264	2	,	,	PUNCT
cblr-14250	264	3	what	what	PRON
cblr-14250	264	4	are	be	AUX
cblr-14250	264	5	the	the	DET
cblr-14250	264	6	political	political	ADJ
cblr-14250	264	7	incentives	incentive	NOUN
cblr-14250	264	8	for	for	ADP
cblr-14250	264	9	expanding	expand	VERB
cblr-14250	264	10	supervisory	supervisory	ADJ
cblr-14250	264	11	discretion	discretion	NOUN
cblr-14250	264	12	into	into	ADP
cblr-14250	264	13	private	private	ADJ
cblr-14250	264	14	markets	market	NOUN
cblr-14250	264	15	given	give	VERB
cblr-14250	264	16	the	the	DET
cblr-14250	264	17	ostensible	ostensible	ADJ
cblr-14250	264	18	partisan	partisan	ADJ
cblr-14250	264	19	hostility	hostility	NOUN
cblr-14250	264	20	to	to	ADP
cblr-14250	264	21	such	such	ADJ
cblr-14250	264	22	government	government	NOUN
cblr-14250	264	23	intrusions	intrusion	NOUN
cblr-14250	264	24	?	?	PUNCT
cblr-14250	265	1	and	and	CCONJ
cblr-14250	265	2	more	more	ADV
cblr-14250	265	3	fundamentally	fundamentally	ADV
cblr-14250	265	4	,	,	PUNCT
cblr-14250	265	5	why	why	SCONJ
cblr-14250	265	6	is	be	AUX
cblr-14250	265	7	public	public	ADJ
cblr-14250	265	8	supervision	supervision	NOUN
cblr-14250	265	9	used	use	VERB
cblr-14250	265	10	to	to	PART
cblr-14250	265	11	manage	manage	VERB
cblr-14250	265	12	private	private	ADJ
cblr-14250	265	13	risk	risk	NOUN
cblr-14250	265	14	at	at	ADV
cblr-14250	265	15	all	all	ADV
cblr-14250	265	16	,	,	PUNCT
cblr-14250	265	17	rather	rather	ADV
cblr-14250	265	18	than	than	ADP
cblr-14250	265	19	forcing	force	VERB
cblr-14250	265	20	private	private	ADJ
cblr-14250	265	21	actors	actor	NOUN
cblr-14250	265	22	to	to	PART
cblr-14250	265	23	manage	manage	VERB
cblr-14250	265	24	that	that	DET
cblr-14250	265	25	system	system	NOUN
cblr-14250	265	26	themselves	themselves	PRON
cblr-14250	265	27	or	or	CCONJ
cblr-14250	265	28	rendering	render	VERB
cblr-14250	265	29	the	the	DET
cblr-14250	265	30	system	system	NOUN
cblr-14250	265	31	fully	fully	ADV
cblr-14250	265	32	public	public	ADJ
cblr-14250	265	33	,	,	PUNCT
cblr-14250	265	34	as	as	SCONJ
cblr-14250	265	35	some	some	PRON
cblr-14250	265	36	would	would	AUX
cblr-14250	265	37	prefer	prefer	VERB
cblr-14250	265	38	?	?	PUNCT
cblr-14250	266	1	the	the	DET
cblr-14250	266	2	answer	answer	NOUN
cblr-14250	266	3	to	to	ADP
cblr-14250	266	4	the	the	DET
cblr-14250	266	5	first	first	ADJ
cblr-14250	266	6	question	question	NOUN
cblr-14250	266	7	is	be	AUX
cblr-14250	266	8	that	that	SCONJ
cblr-14250	266	9	congress	congress	PROPN
cblr-14250	266	10	sees	see	VERB
cblr-14250	266	11	bank	bank	NOUN
cblr-14250	266	12	supervision	supervision	NOUN
cblr-14250	266	13	as	as	ADP
cblr-14250	266	14	an	an	DET
cblr-14250	266	15	out	out	ADV
cblr-14250	266	16	-	-	PUNCT
cblr-14250	266	17	ofsight	ofsight	NOUN
cblr-14250	266	18	solution	solution	NOUN
cblr-14250	266	19	to	to	ADP
cblr-14250	266	20	the	the	DET
cblr-14250	266	21	vexing	vex	VERB
cblr-14250	266	22	costs	cost	NOUN
cblr-14250	266	23	of	of	ADP
cblr-14250	266	24	publicly	publicly	ADV
cblr-14250	266	25	acknowledging	acknowledge	VERB
cblr-14250	266	26	that	that	SCONJ
cblr-14250	266	27	the	the	DET
cblr-14250	266	28	financial	financial	ADJ
cblr-14250	266	29	system	system	NOUN
cblr-14250	266	30	is	be	AUX
cblr-14250	266	31	not	not	PART
cblr-14250	266	32	a	a	DET
cblr-14250	266	33	fully	fully	ADV
cblr-14250	266	34	private	private	ADJ
cblr-14250	266	35	affair	affair	NOUN
cblr-14250	266	36	.	.	PUNCT
cblr-14250	267	1	that	that	DET
cblr-14250	267	2	emphasis	emphasis	NOUN
cblr-14250	267	3	on	on	ADP
cblr-14250	267	4	congress	congress	PROPN
cblr-14250	267	5	is	be	AUX
cblr-14250	267	6	deliberate	deliberate	ADJ
cblr-14250	267	7	:	:	PUNCT
cblr-14250	267	8	unlike	unlike	ADP
cblr-14250	267	9	other	other	ADJ
cblr-14250	267	10	areas	area	NOUN
cblr-14250	267	11	of	of	ADP
cblr-14250	267	12	the	the	DET
cblr-14250	267	13	administrative	administrative	ADJ
cblr-14250	267	14	state	state	NOUN
cblr-14250	267	15	,	,	PUNCT
cblr-14250	267	16	congress	congress	PROPN
cblr-14250	267	17	has	have	AUX
cblr-14250	267	18	almost	almost	ADV
cblr-14250	267	19	uniformly	uniformly	ADV
cblr-14250	267	20	focused	focus	VERB
cblr-14250	267	21	on	on	ADP
cblr-14250	267	22	expanding	expand	VERB
cblr-14250	267	23	supervisory	supervisory	ADJ
cblr-14250	267	24	prerogatives	prerogative	NOUN
cblr-14250	267	25	,	,	PUNCT
cblr-14250	267	26	even	even	ADV
cblr-14250	267	27	in	in	ADP
cblr-14250	267	28	the	the	DET
cblr-14250	267	29	face	face	NOUN
cblr-14250	267	30	of	of	ADP
cblr-14250	267	31	presidential	presidential	ADJ
cblr-14250	267	32	pushback	pushback	NOUN
cblr-14250	267	33	.	.	PUNCT
cblr-14250	268	1	indeed	indeed	ADV
cblr-14250	268	2	,	,	PUNCT
cblr-14250	268	3	in	in	ADP
cblr-14250	268	4	important	important	ADJ
cblr-14250	268	5	periods	period	NOUN
cblr-14250	268	6	—	—	PUNCT
cblr-14250	268	7	especially	especially	ADV
cblr-14250	268	8	from	from	ADP
cblr-14250	268	9	1977–2008	1977–2008	NUM
cblr-14250	268	10	and	and	CCONJ
cblr-14250	268	11	again	again	ADV
cblr-14250	268	12	in	in	ADP
cblr-14250	268	13	2017	2017	NUM
cblr-14250	268	14	–	–	PUNCT
cblr-14250	268	15	2021	2021	NUM
cblr-14250	268	16	—	—	PUNCT
cblr-14250	268	17	the	the	DET
cblr-14250	268	18	president	president	NOUN
cblr-14250	268	19	and	and	CCONJ
cblr-14250	268	20	his	his	PRON
cblr-14250	268	21	appointees	appointee	NOUN
cblr-14250	268	22	have	have	AUX
cblr-14250	268	23	sought	seek	VERB
cblr-14250	268	24	to	to	PART
cblr-14250	268	25	narrow	narrow	VERB
cblr-14250	268	26	the	the	DET
cblr-14250	268	27	range	range	NOUN
cblr-14250	268	28	of	of	ADP
cblr-14250	268	29	supervisory	supervisory	ADJ
cblr-14250	268	30	options	option	NOUN
cblr-14250	268	31	in	in	ADP
cblr-14250	268	32	a	a	DET
cblr-14250	268	33	process	process	NOUN
cblr-14250	268	34	we	we	PRON
cblr-14250	268	35	call	call	VERB
cblr-14250	268	36	“	"	PUNCT
cblr-14250	268	37	de	de	NOUN
cblr-14250	268	38	-	-	NOUN
cblr-14250	268	39	supervision	supervision	NOUN
cblr-14250	268	40	.	.	PUNCT
cblr-14250	268	41	”	"	PUNCT
cblr-14250	269	1	instead	instead	ADV
cblr-14250	269	2	,	,	PUNCT
cblr-14250	269	3	congress	congress	PROPN
cblr-14250	269	4	,	,	PUNCT
cblr-14250	269	5	at	at	ADP
cblr-14250	269	6	almost	almost	ADV
cblr-14250	269	7	every	every	PRON
cblr-14250	269	8	turn	turn	NOUN
cblr-14250	269	9	,	,	PUNCT
cblr-14250	269	10	has	have	AUX
cblr-14250	269	11	sought	seek	VERB
cblr-14250	269	12	to	to	PART
cblr-14250	269	13	expand	expand	VERB
cblr-14250	269	14	43	43	NUM
cblr-14250	269	15	see	see	NOUN
cblr-14250	269	16	,	,	PUNCT
cblr-14250	269	17	e.g.	e.g.	ADV
cblr-14250	269	18	,	,	PUNCT
cblr-14250	269	19	david	david	PROPN
cblr-14250	269	20	rowell	rowell	PROPN
cblr-14250	269	21	&	&	CCONJ
cblr-14250	269	22	luke	luke	PROPN
cblr-14250	269	23	connelly	connelly	PROPN
cblr-14250	269	24	,	,	PUNCT
cblr-14250	269	25	a	a	DET
cblr-14250	269	26	history	history	NOUN
cblr-14250	269	27	of	of	ADP
cblr-14250	269	28	the	the	DET
cblr-14250	269	29	term	term	NOUN
cblr-14250	269	30	“	"	PUNCT
cblr-14250	269	31	moral	moral	ADJ
cblr-14250	269	32	hazard	hazard	NOUN
cblr-14250	269	33	”	"	PUNCT
cblr-14250	269	34	,	,	PUNCT
cblr-14250	269	35	79	79	NUM
cblr-14250	269	36	j.	j.	PROPN
cblr-14250	269	37	risk	risk	PROPN
cblr-14250	269	38	&	&	CCONJ
cblr-14250	269	39	ins	ins	PROPN
cblr-14250	269	40	.	.	PROPN
cblr-14250	269	41	1051	1051	NUM
cblr-14250	269	42	,	,	PUNCT
cblr-14250	269	43	1069–72	1069–72	NUM
cblr-14250	269	44	(	(	PUNCT
cblr-14250	269	45	2012	2012	NUM
cblr-14250	269	46	)	)	PUNCT
cblr-14250	269	47	.	.	PUNCT
cblr-14250	270	1	44	44	NUM
cblr-14250	270	2	see	see	VERB
cblr-14250	270	3	generally	generally	ADV
cblr-14250	270	4	arthur	arthur	PROPN
cblr-14250	270	5	e.	e.	PROPN
cblr-14250	270	6	wilmarth	wilmarth	PROPN
cblr-14250	270	7	,	,	PUNCT
cblr-14250	270	8	reforming	reform	VERB
cblr-14250	270	9	financial	financial	ADJ
cblr-14250	270	10	regulation	regulation	NOUN
cblr-14250	270	11	to	to	PART
cblr-14250	270	12	address	address	VERB
cblr-14250	270	13	the	the	DET
cblr-14250	270	14	too	too	ADV
cblr-14250	270	15	-	-	PUNCT
cblr-14250	270	16	big	big	ADJ
cblr-14250	270	17	-	-	PUNCT
cblr-14250	270	18	to	to	ADP
cblr-14250	270	19	-	-	PUNCT
cblr-14250	270	20	fail	fail	VERB
cblr-14250	270	21	problem	problem	NOUN
cblr-14250	270	22	,	,	PUNCT
cblr-14250	270	23	35	35	NUM
cblr-14250	270	24	brook	brook	NOUN
cblr-14250	270	25	.	.	PUNCT
cblr-14250	271	1	j.	j.	PROPN
cblr-14250	271	2	int'l	int'l	PROPN
cblr-14250	271	3	l.	l.	PROPN
cblr-14250	271	4	707	707	NUM
cblr-14250	271	5	(	(	PUNCT
cblr-14250	271	6	2010	2010	NUM
cblr-14250	271	7	)	)	PUNCT
cblr-14250	271	8	.	.	PUNCT
cblr-14250	272	1	45	45	NUM
cblr-14250	272	2	we	we	PRON
cblr-14250	272	3	thank	thank	VERB
cblr-14250	272	4	scott	scott	PROPN
cblr-14250	272	5	shapiro	shapiro	PROPN
cblr-14250	272	6	for	for	ADP
cblr-14250	272	7	this	this	DET
cblr-14250	272	8	pithy	pithy	ADJ
cblr-14250	272	9	sentence	sentence	NOUN
cblr-14250	272	10	.	.	PUNCT
cblr-14250	273	1	no	no	INTJ
cblr-14250	273	2	.	.	NOUN
cblr-14250	273	3	1	1	NUM
cblr-14250	273	4	]	]	PUNCT
cblr-14250	273	5	risk	risk	NOUN
cblr-14250	273	6	,	,	PUNCT
cblr-14250	273	7	discretion	discretion	NOUN
cblr-14250	273	8	,	,	PUNCT
cblr-14250	273	9	and	and	CCONJ
cblr-14250	273	10	bank	bank	NOUN
cblr-14250	273	11	supervision	supervision	NOUN
cblr-14250	273	12	153	153	NUM
cblr-14250	273	13	supervisory	supervisory	ADJ
cblr-14250	273	14	discretion	discretion	NOUN
cblr-14250	273	15	by	by	ADP
cblr-14250	273	16	providing	provide	VERB
cblr-14250	273	17	more	more	ADJ
cblr-14250	273	18	categories	category	NOUN
cblr-14250	273	19	of	of	ADP
cblr-14250	273	20	power	power	NOUN
cblr-14250	273	21	for	for	SCONJ
cblr-14250	273	22	supervisors	supervisor	NOUN
cblr-14250	273	23	to	to	PART
cblr-14250	273	24	adopt	adopt	VERB
cblr-14250	273	25	.	.	PUNCT
cblr-14250	274	1	this	this	PRON
cblr-14250	274	2	is	be	AUX
cblr-14250	274	3	true	true	ADJ
cblr-14250	274	4	even	even	ADV
cblr-14250	274	5	when	when	SCONJ
cblr-14250	274	6	supervisory	supervisory	ADJ
cblr-14250	274	7	scandals	scandal	NOUN
cblr-14250	274	8	and	and	CCONJ
cblr-14250	274	9	financial	financial	ADJ
cblr-14250	274	10	crises	crisis	NOUN
cblr-14250	274	11	cause	cause	VERB
cblr-14250	274	12	members	member	NOUN
cblr-14250	274	13	of	of	ADP
cblr-14250	274	14	congress	congress	PROPN
cblr-14250	274	15	to	to	PART
cblr-14250	274	16	insist	insist	VERB
cblr-14250	274	17	that	that	SCONJ
cblr-14250	274	18	supervisors	supervisor	NOUN
cblr-14250	274	19	were	be	AUX
cblr-14250	274	20	“	"	PUNCT
cblr-14250	274	21	asleep	asleep	ADJ
cblr-14250	274	22	at	at	ADP
cblr-14250	274	23	the	the	DET
cblr-14250	274	24	switch	switch	NOUN
cblr-14250	274	25	.	.	PUNCT
cblr-14250	274	26	”	"	PUNCT
cblr-14250	275	1	one	one	NUM
cblr-14250	275	2	of	of	ADP
cblr-14250	275	3	the	the	DET
cblr-14250	275	4	constant	constant	ADJ
cblr-14250	275	5	realities	reality	NOUN
cblr-14250	275	6	of	of	ADP
cblr-14250	275	7	the	the	DET
cblr-14250	275	8	history	history	NOUN
cblr-14250	275	9	of	of	ADP
cblr-14250	275	10	bank	bank	NOUN
cblr-14250	275	11	supervision	supervision	NOUN
cblr-14250	275	12	in	in	ADP
cblr-14250	275	13	america	america	PROPN
cblr-14250	275	14	is	be	AUX
cblr-14250	275	15	that	that	SCONJ
cblr-14250	275	16	congress	congress	PROPN
cblr-14250	275	17	regularly	regularly	ADV
cblr-14250	275	18	“	"	PUNCT
cblr-14250	275	19	blames	blame	VERB
cblr-14250	275	20	”	"	PUNCT
cblr-14250	275	21	supervisors	supervisor	NOUN
cblr-14250	275	22	with	with	ADP
cblr-14250	275	23	failing	fail	VERB
cblr-14250	275	24	to	to	PART
cblr-14250	275	25	exercise	exercise	VERB
cblr-14250	275	26	their	their	PRON
cblr-14250	275	27	discretion	discretion	NOUN
cblr-14250	275	28	in	in	ADP
cblr-14250	275	29	ways	way	NOUN
cblr-14250	275	30	that	that	PRON
cblr-14250	275	31	would	would	AUX
cblr-14250	275	32	prevent	prevent	VERB
cblr-14250	275	33	error	error	NOUN
cblr-14250	275	34	even	even	ADV
cblr-14250	275	35	while	while	SCONJ
cblr-14250	275	36	they	they	PRON
cblr-14250	275	37	substantially	substantially	ADV
cblr-14250	275	38	expand	expand	VERB
cblr-14250	275	39	that	that	SCONJ
cblr-14250	275	40	discretion.46	discretion.46	PROPN
cblr-14250	275	41	then	then	ADV
cblr-14250	275	42	,	,	PUNCT
cblr-14250	275	43	the	the	DET
cblr-14250	275	44	second	second	ADJ
cblr-14250	275	45	question	question	NOUN
cblr-14250	275	46	:	:	PUNCT
cblr-14250	275	47	why	why	SCONJ
cblr-14250	275	48	do	do	AUX
cblr-14250	275	49	we	we	PRON
cblr-14250	275	50	have	have	AUX
cblr-14250	275	51	this	this	DET
cblr-14250	275	52	one	one	NUM
cblr-14250	275	53	-	-	PUNCT
cblr-14250	275	54	way	way	NOUN
cblr-14250	275	55	ratchet	ratchet	NOUN
cblr-14250	275	56	,	,	PUNCT
cblr-14250	275	57	even	even	ADV
cblr-14250	275	58	in	in	ADP
cblr-14250	275	59	the	the	DET
cblr-14250	275	60	face	face	NOUN
cblr-14250	275	61	of	of	ADP
cblr-14250	275	62	failure	failure	NOUN
cblr-14250	275	63	?	?	PUNCT
cblr-14250	276	1	supervision	supervision	NOUN
cblr-14250	276	2	as	as	ADP
cblr-14250	276	3	discretion	discretion	NOUN
cblr-14250	276	4	and	and	CCONJ
cblr-14250	276	5	risk	risk	NOUN
cblr-14250	276	6	management	management	NOUN
cblr-14250	276	7	offers	offer	VERB
cblr-14250	276	8	two	two	NUM
cblr-14250	276	9	answers	answer	NOUN
cblr-14250	276	10	.	.	PUNCT
cblr-14250	277	1	first	first	ADV
cblr-14250	277	2	,	,	PUNCT
cblr-14250	277	3	since	since	SCONJ
cblr-14250	277	4	the	the	DET
cblr-14250	277	5	creation	creation	NOUN
cblr-14250	277	6	of	of	ADP
cblr-14250	277	7	the	the	DET
cblr-14250	277	8	federal	federal	ADJ
cblr-14250	277	9	bank	bank	NOUN
cblr-14250	277	10	supervisory	supervisory	ADJ
cblr-14250	277	11	system	system	NOUN
cblr-14250	277	12	in	in	ADP
cblr-14250	277	13	1864	1864	NUM
cblr-14250	277	14	,	,	PUNCT
cblr-14250	277	15	congress	congress	PROPN
cblr-14250	277	16	has	have	AUX
cblr-14250	277	17	continued	continue	VERB
cblr-14250	277	18	to	to	PART
cblr-14250	277	19	use	use	VERB
cblr-14250	277	20	bank	bank	NOUN
cblr-14250	277	21	supervision	supervision	NOUN
cblr-14250	277	22	as	as	ADP
cblr-14250	277	23	a	a	DET
cblr-14250	277	24	kind	kind	NOUN
cblr-14250	277	25	of	of	ADP
cblr-14250	277	26	equity	equity	NOUN
cblr-14250	277	27	cushion	cushion	NOUN
cblr-14250	277	28	to	to	PART
cblr-14250	277	29	absorb	absorb	VERB
cblr-14250	277	30	risks	risk	NOUN
cblr-14250	277	31	that	that	SCONJ
cblr-14250	277	32	our	our	PRON
cblr-14250	277	33	system	system	NOUN
cblr-14250	277	34	encourages	encourage	VERB
cblr-14250	277	35	.	.	PUNCT
cblr-14250	278	1	these	these	DET
cblr-14250	278	2	risks	risk	NOUN
cblr-14250	278	3	include	include	VERB
cblr-14250	278	4	,	,	PUNCT
cblr-14250	278	5	of	of	ADP
cblr-14250	278	6	course	course	NOUN
cblr-14250	278	7	,	,	PUNCT
cblr-14250	278	8	financial	financial	ADJ
cblr-14250	278	9	risks	risk	NOUN
cblr-14250	278	10	,	,	PUNCT
cblr-14250	278	11	such	such	ADJ
cblr-14250	278	12	as	as	ADP
cblr-14250	278	13	bank	bank	NOUN
cblr-14250	278	14	failures	failure	NOUN
cblr-14250	278	15	and	and	CCONJ
cblr-14250	278	16	the	the	DET
cblr-14250	278	17	risk	risk	NOUN
cblr-14250	278	18	of	of	ADP
cblr-14250	278	19	systemic	systemic	ADJ
cblr-14250	278	20	failure	failure	NOUN
cblr-14250	278	21	of	of	ADP
cblr-14250	278	22	the	the	DET
cblr-14250	278	23	financial	financial	ADJ
cblr-14250	278	24	system	system	NOUN
cblr-14250	278	25	.	.	PUNCT
cblr-14250	279	1	they	they	PRON
cblr-14250	279	2	also	also	ADV
cblr-14250	279	3	include	include	VERB
cblr-14250	279	4	,	,	PUNCT
cblr-14250	279	5	importantly	importantly	ADV
cblr-14250	279	6	,	,	PUNCT
cblr-14250	279	7	political	political	ADJ
cblr-14250	279	8	risks	risk	NOUN
cblr-14250	279	9	,	,	PUNCT
cblr-14250	279	10	such	such	ADJ
cblr-14250	279	11	as	as	ADP
cblr-14250	279	12	the	the	DET
cblr-14250	279	13	risk	risk	NOUN
cblr-14250	279	14	that	that	PRON
cblr-14250	279	15	banks	bank	NOUN
cblr-14250	279	16	will	will	AUX
cblr-14250	279	17	fail	fail	VERB
cblr-14250	279	18	in	in	ADP
cblr-14250	279	19	scandal	scandal	NOUN
cblr-14250	279	20	,	,	PUNCT
cblr-14250	279	21	that	that	SCONJ
cblr-14250	279	22	banks	bank	NOUN
cblr-14250	279	23	will	will	AUX
cblr-14250	279	24	violate	violate	VERB
cblr-14250	279	25	the	the	DET
cblr-14250	279	26	law	law	NOUN
cblr-14250	279	27	through	through	ADP
cblr-14250	279	28	racial	racial	ADJ
cblr-14250	279	29	discrimination	discrimination	NOUN
cblr-14250	279	30	,	,	PUNCT
cblr-14250	279	31	or	or	CCONJ
cblr-14250	279	32	that	that	SCONJ
cblr-14250	279	33	banks	bank	NOUN
cblr-14250	279	34	will	will	AUX
cblr-14250	279	35	find	find	VERB
cblr-14250	279	36	themselves	themselves	PRON
cblr-14250	279	37	at	at	ADP
cblr-14250	279	38	the	the	DET
cblr-14250	279	39	center	center	NOUN
cblr-14250	279	40	of	of	ADP
cblr-14250	279	41	a	a	DET
cblr-14250	279	42	drug	drug	NOUN
cblr-14250	279	43	cartel	cartel	NOUN
cblr-14250	279	44	-	-	PUNCT
cblr-14250	279	45	funded	fund	VERB
cblr-14250	279	46	international	international	ADJ
cblr-14250	279	47	money	money	NOUN
cblr-14250	279	48	laundering	laundering	NOUN
cblr-14250	279	49	ring	ring	NOUN
cblr-14250	279	50	.	.	PUNCT
cblr-14250	280	1	these	these	PRON
cblr-14250	280	2	are	be	AUX
cblr-14250	280	3	political	political	ADJ
cblr-14250	280	4	risks	risk	NOUN
cblr-14250	280	5	because	because	SCONJ
cblr-14250	280	6	congress	congress	PROPN
cblr-14250	280	7	has	have	AUX
cblr-14250	280	8	passed	pass	VERB
cblr-14250	280	9	laws	law	NOUN
cblr-14250	280	10	that	that	PRON
cblr-14250	280	11	do	do	VERB
cblr-14250	280	12	not	not	PART
cblr-14250	280	13	(	(	PUNCT
cblr-14250	280	14	and	and	CCONJ
cblr-14250	280	15	perhaps	perhaps	ADV
cblr-14250	280	16	can	can	AUX
cblr-14250	280	17	not	not	PART
cblr-14250	280	18	)	)	PUNCT
cblr-14250	280	19	fix	fix	VERB
cblr-14250	280	20	these	these	DET
cblr-14250	280	21	problems	problem	NOUN
cblr-14250	280	22	once	once	ADV
cblr-14250	280	23	and	and	CCONJ
cblr-14250	280	24	for	for	ADP
cblr-14250	280	25	all	all	PRON
cblr-14250	280	26	.	.	PUNCT
cblr-14250	281	1	as	as	ADP
cblr-14250	281	2	such	such	ADJ
cblr-14250	281	3	,	,	PUNCT
cblr-14250	281	4	congress	congress	PROPN
cblr-14250	281	5	has	have	AUX
cblr-14250	281	6	delegated	delegate	VERB
cblr-14250	281	7	discretion	discretion	NOUN
cblr-14250	281	8	to	to	ADP
cblr-14250	281	9	supervisors	supervisor	NOUN
cblr-14250	281	10	who	who	PRON
cblr-14250	281	11	are	be	AUX
cblr-14250	281	12	better	well	ADV
cblr-14250	281	13	suited	suited	ADJ
cblr-14250	281	14	to	to	PART
cblr-14250	281	15	absorb	absorb	VERB
cblr-14250	281	16	the	the	DET
cblr-14250	281	17	uncertainties	uncertainty	NOUN
cblr-14250	281	18	of	of	ADP
cblr-14250	281	19	hard	hard	ADJ
cblr-14250	281	20	problems	problem	NOUN
cblr-14250	281	21	—	—	PUNCT
cblr-14250	281	22	be	be	VERB
cblr-14250	281	23	they	they	PRON
cblr-14250	281	24	concerns	concern	NOUN
cblr-14250	281	25	over	over	ADP
cblr-14250	281	26	financial	financial	ADJ
cblr-14250	281	27	inclusion	inclusion	NOUN
cblr-14250	281	28	,	,	PUNCT
cblr-14250	281	29	anti	anti	ADJ
cblr-14250	281	30	-	-	ADJ
cblr-14250	281	31	money	money	ADJ
cblr-14250	281	32	laundering	laundering	NOUN
cblr-14250	281	33	,	,	PUNCT
cblr-14250	281	34	or	or	CCONJ
cblr-14250	281	35	other	other	ADJ
cblr-14250	281	36	institutional	institutional	ADJ
cblr-14250	281	37	priorities	priority	NOUN
cblr-14250	281	38	.	.	PUNCT
cblr-14250	282	1	while	while	SCONJ
cblr-14250	282	2	the	the	DET
cblr-14250	282	3	shape	shape	NOUN
cblr-14250	282	4	of	of	ADP
cblr-14250	282	5	our	our	PRON
cblr-14250	282	6	supervisory	supervisory	ADJ
cblr-14250	282	7	system	system	NOUN
cblr-14250	282	8	,	,	PUNCT
cblr-14250	282	9	and	and	CCONJ
cblr-14250	282	10	its	its	PRON
cblr-14250	282	11	location	location	NOUN
cblr-14250	282	12	as	as	ADP
cblr-14250	282	13	a	a	DET
cblr-14250	282	14	form	form	NOUN
cblr-14250	282	15	of	of	ADP
cblr-14250	282	16	risk	risk	NOUN
cblr-14250	282	17	absorption	absorption	NOUN
cblr-14250	282	18	,	,	PUNCT
cblr-14250	282	19	owes	owe	VERB
cblr-14250	282	20	more	more	ADJ
cblr-14250	282	21	to	to	ADP
cblr-14250	282	22	the	the	DET
cblr-14250	282	23	idiosyncrasies	idiosyncrasy	NOUN
cblr-14250	282	24	46	46	NUM
cblr-14250	282	25	supervision	supervision	NOUN
cblr-14250	282	26	’s	’s	PART
cblr-14250	282	27	role	role	NOUN
cblr-14250	282	28	as	as	ADP
cblr-14250	282	29	residual	residual	ADJ
cblr-14250	282	30	risk	risk	NOUN
cblr-14250	282	31	bearer	bearer	NOUN
cblr-14250	282	32	also	also	ADV
cblr-14250	282	33	explains	explain	VERB
cblr-14250	282	34	another	another	DET
cblr-14250	282	35	curiosity	curiosity	NOUN
cblr-14250	282	36	about	about	ADP
cblr-14250	282	37	the	the	DET
cblr-14250	282	38	history	history	NOUN
cblr-14250	282	39	of	of	ADP
cblr-14250	282	40	bank	bank	NOUN
cblr-14250	282	41	supervision	supervision	NOUN
cblr-14250	282	42	.	.	PUNCT
cblr-14250	283	1	in	in	ADP
cblr-14250	283	2	his	his	PRON
cblr-14250	283	3	work	work	NOUN
cblr-14250	283	4	on	on	ADP
cblr-14250	283	5	the	the	DET
cblr-14250	283	6	food	food	PROPN
cblr-14250	283	7	&	&	CCONJ
cblr-14250	283	8	drug	drug	PROPN
cblr-14250	283	9	administration	administration	PROPN
cblr-14250	283	10	(	(	PUNCT
cblr-14250	283	11	fda	fda	PROPN
cblr-14250	283	12	)	)	PUNCT
cblr-14250	283	13	,	,	PUNCT
cblr-14250	283	14	daniel	daniel	PROPN
cblr-14250	283	15	carpenter	carpenter	PROPN
cblr-14250	283	16	offers	offer	VERB
cblr-14250	283	17	a	a	DET
cblr-14250	283	18	theory	theory	NOUN
cblr-14250	283	19	of	of	ADP
cblr-14250	283	20	discretion	discretion	NOUN
cblr-14250	283	21	and	and	CCONJ
cblr-14250	283	22	autonomy	autonomy	NOUN
cblr-14250	283	23	that	that	PRON
cblr-14250	283	24	is	be	AUX
cblr-14250	283	25	rooted	root	VERB
cblr-14250	283	26	in	in	ADP
cblr-14250	283	27	the	the	DET
cblr-14250	283	28	fda	fda	PROPN
cblr-14250	283	29	’s	’s	PART
cblr-14250	283	30	reputation	reputation	NOUN
cblr-14250	283	31	and	and	CCONJ
cblr-14250	283	32	its	its	PRON
cblr-14250	283	33	ability	ability	NOUN
cblr-14250	283	34	to	to	PART
cblr-14250	283	35	perform	perform	VERB
cblr-14250	283	36	functions	function	NOUN
cblr-14250	283	37	with	with	ADP
cblr-14250	283	38	outcome	outcome	NOUN
cblr-14250	283	39	legitimacy	legitimacy	NOUN
cblr-14250	283	40	amongst	amongst	ADP
cblr-14250	283	41	various	various	ADJ
cblr-14250	283	42	audiences	audience	NOUN
cblr-14250	283	43	.	.	PUNCT
cblr-14250	284	1	these	these	DET
cblr-14250	284	2	successes	success	NOUN
cblr-14250	284	3	in	in	ADP
cblr-14250	284	4	turn	turn	NOUN
cblr-14250	284	5	fed	feed	VERB
cblr-14250	284	6	the	the	DET
cblr-14250	284	7	accretion	accretion	NOUN
cblr-14250	284	8	of	of	ADP
cblr-14250	284	9	power	power	NOUN
cblr-14250	284	10	:	:	PUNCT
cblr-14250	284	11	better	well	ADJ
cblr-14250	284	12	performance	performance	NOUN
cblr-14250	284	13	,	,	PUNCT
cblr-14250	284	14	better	well	ADJ
cblr-14250	284	15	reputation	reputation	NOUN
cblr-14250	284	16	,	,	PUNCT
cblr-14250	284	17	more	more	ADV
cblr-14250	284	18	congressionally	congressionally	ADV
cblr-14250	284	19	supported	support	VERB
cblr-14250	284	20	autonomy	autonomy	NOUN
cblr-14250	284	21	within	within	ADP
cblr-14250	284	22	which	which	PRON
cblr-14250	284	23	the	the	DET
cblr-14250	284	24	fda	fda	PROPN
cblr-14250	284	25	can	can	AUX
cblr-14250	284	26	exercise	exercise	VERB
cblr-14250	284	27	more	more	ADJ
cblr-14250	284	28	discretion	discretion	NOUN
cblr-14250	284	29	.	.	PUNCT
cblr-14250	285	1	see	see	VERB
cblr-14250	285	2	daniel	daniel	PROPN
cblr-14250	285	3	carpenter	carpenter	PROPN
cblr-14250	285	4	,	,	PUNCT
cblr-14250	285	5	asleep	asleep	ADJ
cblr-14250	285	6	at	at	ADP
cblr-14250	285	7	the	the	DET
cblr-14250	285	8	switch	switch	NOUN
cblr-14250	285	9	(	(	PUNCT
cblr-14250	285	10	from	from	ADP
cblr-14250	285	11	sen	sen	PROPN
cblr-14250	285	12	.	.	PROPN
cblr-14250	285	13	chris	chris	PROPN
cblr-14250	285	14	dodd	dodd	PROPN
cblr-14250	285	15	,	,	PUNCT
cblr-14250	285	16	s.	s.	PROPN
cblr-14250	285	17	banking	banking	PROPN
cblr-14250	285	18	comm	comm	NOUN
cblr-14250	285	19	.	.	PUNCT
cblr-14250	286	1	hearing	hear	VERB
cblr-14250	286	2	on	on	ADP
cblr-14250	286	3	america	america	PROPN
cblr-14250	286	4	’s	’s	PART
cblr-14250	286	5	credit	credit	NOUN
cblr-14250	286	6	crisis	crisis	NOUN
cblr-14250	286	7	,	,	PUNCT
cblr-14250	286	8	mar	mar	PROPN
cblr-14250	286	9	.	.	PROPN
cblr-14250	286	10	4	4	NUM
cblr-14250	286	11	,	,	PUNCT
cblr-14250	286	12	2008	2008	NUM
cblr-14250	286	13	)	)	PUNCT
cblr-14250	286	14	.	.	PUNCT
cblr-14250	287	1	154	154	NUM
cblr-14250	287	2	columbia	columbia	PROPN
cblr-14250	287	3	business	business	NOUN
cblr-14250	287	4	law	law	PROPN
cblr-14250	287	5	review	review	NOUN
cblr-14250	287	6	[	[	X
cblr-14250	287	7	vol	vol	NOUN
cblr-14250	287	8	.	.	PUNCT
cblr-14250	287	9	2025	2025	NUM
cblr-14250	287	10	of	of	ADP
cblr-14250	287	11	historical	historical	ADJ
cblr-14250	287	12	development	development	NOUN
cblr-14250	287	13	than	than	ADP
cblr-14250	287	14	to	to	ADP
cblr-14250	287	15	grand	grand	ADJ
cblr-14250	287	16	design	design	NOUN
cblr-14250	287	17	,	,	PUNCT
cblr-14250	287	18	supervision	supervision	NOUN
cblr-14250	287	19	’s	’s	PART
cblr-14250	287	20	role	role	NOUN
cblr-14250	287	21	as	as	ADP
cblr-14250	287	22	congress	congress	PROPN
cblr-14250	287	23	’s	’s	PART
cblr-14250	287	24	risk	risk	NOUN
cblr-14250	287	25	absorber	absorber	NOUN
cblr-14250	287	26	reflects	reflect	VERB
cblr-14250	287	27	an	an	DET
cblr-14250	287	28	overarching	overarching	ADJ
cblr-14250	287	29	ideology	ideology	NOUN
cblr-14250	287	30	of	of	ADP
cblr-14250	287	31	risk	risk	NOUN
cblr-14250	287	32	central	central	ADJ
cblr-14250	287	33	to	to	ADP
cblr-14250	287	34	financial	financial	ADJ
cblr-14250	287	35	markets	market	NOUN
cblr-14250	287	36	in	in	ADP
cblr-14250	287	37	the	the	DET
cblr-14250	287	38	united	united	PROPN
cblr-14250	287	39	states	states	PROPN
cblr-14250	287	40	.	.	PUNCT
cblr-14250	288	1	legal	legal	ADJ
cblr-14250	288	2	rules	rule	NOUN
cblr-14250	288	3	can	can	AUX
cblr-14250	288	4	be	be	AUX
cblr-14250	288	5	overor	overor	NOUN
cblr-14250	288	6	underinclusive	underinclusive	ADJ
cblr-14250	288	7	.	.	PUNCT
cblr-14250	289	1	the	the	DET
cblr-14250	289	2	u.s	u.s	PROPN
cblr-14250	289	3	.	.	PROPN
cblr-14250	289	4	financial	financial	ADJ
cblr-14250	289	5	system	system	NOUN
cblr-14250	289	6	is	be	AUX
cblr-14250	289	7	under	under	ADP
cblr-14250	289	8	-	-	PUNCT
cblr-14250	289	9	inclusive	inclusive	NOUN
cblr-14250	289	10	in	in	SCONJ
cblr-14250	289	11	that	that	SCONJ
cblr-14250	289	12	some	some	DET
cblr-14250	289	13	impermissible	impermissible	ADJ
cblr-14250	289	14	activity	activity	NOUN
cblr-14250	289	15	will	will	AUX
cblr-14250	289	16	inevitably	inevitably	ADV
cblr-14250	289	17	occur	occur	VERB
cblr-14250	289	18	because	because	SCONJ
cblr-14250	289	19	the	the	DET
cblr-14250	289	20	system	system	NOUN
cblr-14250	289	21	rewards	reward	VERB
cblr-14250	289	22	the	the	DET
cblr-14250	289	23	risk	risk	NOUN
cblr-14250	289	24	-	-	PUNCT
cblr-14250	289	25	taking	take	VERB
cblr-14250	289	26	that	that	DET
cblr-14250	289	27	private	private	ADJ
cblr-14250	289	28	actors	actor	NOUN
cblr-14250	289	29	(	(	PUNCT
cblr-14250	289	30	and	and	CCONJ
cblr-14250	289	31	congress	congress	PROPN
cblr-14250	289	32	itself	itself	PRON
cblr-14250	289	33	)	)	PUNCT
cblr-14250	289	34	do	do	AUX
cblr-14250	289	35	not	not	PART
cblr-14250	289	36	wish	wish	VERB
cblr-14250	289	37	to	to	PART
cblr-14250	289	38	absorb	absorb	VERB
cblr-14250	289	39	.	.	PUNCT
cblr-14250	290	1	banking	banking	NOUN
cblr-14250	290	2	law	law	NOUN
cblr-14250	290	3	seeks	seek	VERB
cblr-14250	290	4	to	to	PART
cblr-14250	290	5	allow	allow	VERB
cblr-14250	290	6	some	some	PRON
cblr-14250	290	7	of	of	ADP
cblr-14250	290	8	the	the	DET
cblr-14250	290	9	bad	bad	ADJ
cblr-14250	290	10	to	to	PART
cblr-14250	290	11	permit	permit	VERB
cblr-14250	290	12	all	all	DET
cblr-14250	290	13	the	the	DET
cblr-14250	290	14	good	good	NOUN
cblr-14250	290	15	;	;	PUNCT
cblr-14250	290	16	it	it	PRON
cblr-14250	290	17	does	do	AUX
cblr-14250	290	18	not	not	PART
cblr-14250	290	19	seek	seek	VERB
cblr-14250	290	20	to	to	PART
cblr-14250	290	21	prohibit	prohibit	VERB
cblr-14250	290	22	all	all	PRON
cblr-14250	290	23	of	of	ADP
cblr-14250	290	24	the	the	DET
cblr-14250	290	25	bad	bad	ADJ
cblr-14250	290	26	and	and	CCONJ
cblr-14250	290	27	thus	thus	ADV
cblr-14250	290	28	some	some	PRON
cblr-14250	290	29	of	of	ADP
cblr-14250	290	30	the	the	DET
cblr-14250	290	31	good	good	NOUN
cblr-14250	290	32	.	.	PUNCT
cblr-14250	291	1	given	give	VERB
cblr-14250	291	2	the	the	DET
cblr-14250	291	3	inevitability	inevitability	NOUN
cblr-14250	291	4	that	that	SCONJ
cblr-14250	291	5	such	such	DET
cblr-14250	291	6	a	a	DET
cblr-14250	291	7	system	system	NOUN
cblr-14250	291	8	will	will	AUX
cblr-14250	291	9	have	have	AUX
cblr-14250	291	10	for	for	ADP
cblr-14250	291	11	scandal	scandal	NOUN
cblr-14250	291	12	and	and	CCONJ
cblr-14250	291	13	failure	failure	NOUN
cblr-14250	291	14	,	,	PUNCT
cblr-14250	291	15	bank	bank	NOUN
cblr-14250	291	16	supervisors	supervisor	NOUN
cblr-14250	291	17	represent	represent	VERB
cblr-14250	291	18	the	the	DET
cblr-14250	291	19	category	category	NOUN
cblr-14250	291	20	of	of	ADP
cblr-14250	291	21	public	public	ADJ
cblr-14250	291	22	power	power	NOUN
cblr-14250	291	23	meant	mean	VERB
cblr-14250	291	24	to	to	PART
cblr-14250	291	25	manage	manage	VERB
cblr-14250	291	26	that	that	DET
cblr-14250	291	27	risk	risk	NOUN
cblr-14250	291	28	ahead	ahead	ADV
cblr-14250	291	29	of	of	ADP
cblr-14250	291	30	time	time	NOUN
cblr-14250	291	31	and	and	CCONJ
cblr-14250	291	32	then	then	ADV
cblr-14250	291	33	absorb	absorb	VERB
cblr-14250	291	34	it	it	PRON
cblr-14250	291	35	when	when	SCONJ
cblr-14250	291	36	failure	failure	NOUN
cblr-14250	291	37	(	(	PUNCT
cblr-14250	291	38	of	of	ADP
cblr-14250	291	39	whatever	whatever	DET
cblr-14250	291	40	variety	variety	NOUN
cblr-14250	291	41	)	)	PUNCT
cblr-14250	291	42	is	be	AUX
cblr-14250	291	43	realized	realize	VERB
cblr-14250	291	44	.	.	PUNCT
cblr-14250	292	1	this	this	PRON
cblr-14250	292	2	is	be	AUX
cblr-14250	292	3	not	not	PART
cblr-14250	292	4	to	to	PART
cblr-14250	292	5	say	say	VERB
cblr-14250	292	6	that	that	SCONJ
cblr-14250	292	7	the	the	DET
cblr-14250	292	8	system	system	NOUN
cblr-14250	292	9	we	we	PRON
cblr-14250	292	10	have	have	VERB
cblr-14250	292	11	is	be	AUX
cblr-14250	292	12	the	the	DET
cblr-14250	292	13	only	only	ADJ
cblr-14250	292	14	one	one	NOUN
cblr-14250	292	15	we	we	PRON
cblr-14250	292	16	can	can	AUX
cblr-14250	292	17	imagine	imagine	VERB
cblr-14250	292	18	.	.	PUNCT
cblr-14250	293	1	scholars	scholar	NOUN
cblr-14250	293	2	have	have	AUX
cblr-14250	293	3	suggested	suggest	VERB
cblr-14250	293	4	reforms	reform	NOUN
cblr-14250	293	5	large	large	ADJ
cblr-14250	293	6	and	and	CCONJ
cblr-14250	293	7	small	small	ADJ
cblr-14250	293	8	that	that	PRON
cblr-14250	293	9	would	would	AUX
cblr-14250	293	10	change	change	VERB
cblr-14250	293	11	the	the	DET
cblr-14250	293	12	way	way	NOUN
cblr-14250	293	13	we	we	PRON
cblr-14250	293	14	divide	divide	VERB
cblr-14250	293	15	that	that	DET
cblr-14250	293	16	line	line	NOUN
cblr-14250	293	17	,	,	PUNCT
cblr-14250	293	18	from	from	ADP
cblr-14250	293	19	proposing	propose	VERB
cblr-14250	293	20	the	the	DET
cblr-14250	293	21	federal	federal	PROPN
cblr-14250	293	22	reserve	reserve	PROPN
cblr-14250	293	23	as	as	ADP
cblr-14250	293	24	a	a	DET
cblr-14250	293	25	retail	retail	ADJ
cblr-14250	293	26	bank,47	bank,47	NOUN
cblr-14250	293	27	to	to	ADP
cblr-14250	293	28	increasing	increase	VERB
cblr-14250	293	29	the	the	DET
cblr-14250	293	30	role	role	NOUN
cblr-14250	293	31	of	of	ADP
cblr-14250	293	32	the	the	DET
cblr-14250	293	33	postal	postal	ADJ
cblr-14250	293	34	service	service	NOUN
cblr-14250	293	35	in	in	ADP
cblr-14250	293	36	providing	provide	VERB
cblr-14250	293	37	financial	financial	ADJ
cblr-14250	293	38	services,48	services,48	NOUN
cblr-14250	293	39	to	to	ADP
cblr-14250	293	40	attempting	attempt	VERB
cblr-14250	293	41	to	to	PART
cblr-14250	293	42	describe	describe	VERB
cblr-14250	293	43	the	the	DET
cblr-14250	293	44	u.s	u.s	PROPN
cblr-14250	293	45	.	.	PROPN
cblr-14250	293	46	financial	financial	ADJ
cblr-14250	293	47	system	system	NOUN
cblr-14250	293	48	in	in	ADP
cblr-14250	293	49	explicitly	explicitly	ADV
cblr-14250	293	50	public	public	ADJ
cblr-14250	293	51	terms.49	terms.49	NOUN
cblr-14250	293	52	but	but	CCONJ
cblr-14250	293	53	our	our	PRON
cblr-14250	293	54	account	account	NOUN
cblr-14250	293	55	of	of	ADP
cblr-14250	293	56	supervision	supervision	NOUN
cblr-14250	293	57	suggests	suggest	VERB
cblr-14250	293	58	some	some	DET
cblr-14250	293	59	historical	historical	ADJ
cblr-14250	293	60	modesty	modesty	NOUN
cblr-14250	293	61	to	to	ADP
cblr-14250	293	62	these	these	DET
cblr-14250	293	63	efforts	effort	NOUN
cblr-14250	293	64	.	.	PUNCT
cblr-14250	294	1	the	the	DET
cblr-14250	294	2	only	only	ADJ
cblr-14250	294	3	consistency	consistency	NOUN
cblr-14250	294	4	across	across	ADP
cblr-14250	294	5	two	two	NUM
cblr-14250	294	6	centuries	century	NOUN
cblr-14250	294	7	of	of	ADP
cblr-14250	294	8	bank	bank	NOUN
cblr-14250	294	9	supervision	supervision	NOUN
cblr-14250	294	10	is	be	AUX
cblr-14250	294	11	that	that	SCONJ
cblr-14250	294	12	bank	bank	NOUN
cblr-14250	294	13	supervisors	supervisor	NOUN
cblr-14250	294	14	are	be	AUX
cblr-14250	294	15	given	give	VERB
cblr-14250	294	16	increasing	increase	VERB
cblr-14250	294	17	amounts	amount	NOUN
cblr-14250	294	18	of	of	ADP
cblr-14250	294	19	responsibility	responsibility	NOUN
cblr-14250	294	20	to	to	PART
cblr-14250	294	21	use	use	VERB
cblr-14250	294	22	their	their	PRON
cblr-14250	294	23	discretion	discretion	NOUN
cblr-14250	294	24	to	to	PART
cblr-14250	294	25	manage	manage	VERB
cblr-14250	294	26	private	private	ADJ
cblr-14250	294	27	risk	risk	NOUN
cblr-14250	294	28	at	at	ADP
cblr-14250	294	29	public	public	ADJ
cblr-14250	294	30	expense	expense	NOUN
cblr-14250	294	31	.	.	PUNCT
cblr-14250	295	1	this	this	DET
cblr-14250	295	2	practice	practice	NOUN
cblr-14250	295	3	serves	serve	VERB
cblr-14250	295	4	as	as	ADP
cblr-14250	295	5	the	the	DET
cblr-14250	295	6	bedrock	bedrock	NOUN
cblr-14250	295	7	of	of	ADP
cblr-14250	295	8	our	our	PRON
cblr-14250	295	9	political	political	ADJ
cblr-14250	295	10	economy	economy	NOUN
cblr-14250	295	11	and	and	CCONJ
cblr-14250	295	12	financial	financial	ADJ
cblr-14250	295	13	system	system	NOUN
cblr-14250	295	14	,	,	PUNCT
cblr-14250	295	15	for	for	ADP
cblr-14250	295	16	good	good	ADJ
cblr-14250	295	17	or	or	CCONJ
cblr-14250	295	18	ill	ill	ADJ
cblr-14250	295	19	.	.	PUNCT
cblr-14250	296	1	the	the	DET
cblr-14250	296	2	model	model	NOUN
cblr-14250	296	3	of	of	ADP
cblr-14250	296	4	supervision	supervision	NOUN
cblr-14250	296	5	just	just	ADV
cblr-14250	296	6	described	describe	VERB
cblr-14250	296	7	—	—	PUNCT
cblr-14250	296	8	supervision	supervision	NOUN
cblr-14250	296	9	as	as	ADP
cblr-14250	296	10	a	a	DET
cblr-14250	296	11	fitfully	fitfully	ADV
cblr-14250	296	12	evolved	evolve	VERB
cblr-14250	296	13	(	(	PUNCT
cblr-14250	296	14	and	and	CCONJ
cblr-14250	296	15	still	still	ADV
cblr-14250	296	16	evolving	evolve	VERB
cblr-14250	296	17	)	)	PUNCT
cblr-14250	296	18	set	set	NOUN
cblr-14250	296	19	of	of	ADP
cblr-14250	296	20	practices	practice	NOUN
cblr-14250	296	21	and	and	CCONJ
cblr-14250	296	22	functions	function	NOUN
cblr-14250	296	23	that	that	PRON
cblr-14250	296	24	permits	permit	VERB
cblr-14250	296	25	government	government	NOUN
cblr-14250	296	26	actors	actor	NOUN
cblr-14250	296	27	to	to	PART
cblr-14250	296	28	use	use	VERB
cblr-14250	296	29	discretion	discretion	NOUN
cblr-14250	296	30	to	to	PART
cblr-14250	296	31	manage	manage	VERB
cblr-14250	296	32	residual	residual	ADJ
cblr-14250	296	33	systemic	systemic	ADJ
cblr-14250	296	34	risk	risk	NOUN
cblr-14250	296	35	through	through	ADP
cblr-14250	296	36	individual	individual	ADJ
cblr-14250	296	37	banking	banking	NOUN
cblr-14250	296	38	relationships	relationship	NOUN
cblr-14250	296	39	—	—	PUNCT
cblr-14250	296	40	does	do	AUX
cblr-14250	296	41	a	a	DET
cblr-14250	296	42	better	well	ADJ
cblr-14250	296	43	job	job	NOUN
cblr-14250	296	44	than	than	ADP
cblr-14250	296	45	alternatives	alternative	NOUN
cblr-14250	296	46	in	in	ADP
cblr-14250	296	47	47	47	NUM
cblr-14250	296	48	see	see	VERB
cblr-14250	296	49	john	john	PROPN
cblr-14250	296	50	crawford	crawford	PROPN
cblr-14250	296	51	,	,	PUNCT
cblr-14250	296	52	lev	lev	PROPN
cblr-14250	296	53	menand	menand	PROPN
cblr-14250	296	54	&	&	CCONJ
cblr-14250	296	55	morgan	morgan	PROPN
cblr-14250	296	56	ricks	ricks	PROPN
cblr-14250	296	57	,	,	PUNCT
cblr-14250	296	58	fedaccounts	fedaccount	NOUN
cblr-14250	296	59	:	:	PUNCT
cblr-14250	296	60	digital	digital	ADJ
cblr-14250	296	61	dollars	dollar	NOUN
cblr-14250	296	62	,	,	PUNCT
cblr-14250	296	63	89	89	NUM
cblr-14250	296	64	geo	geo	PROPN
cblr-14250	296	65	.	.	PROPN
cblr-14250	296	66	wash	wash	PROPN
cblr-14250	296	67	.	.	PUNCT
cblr-14250	297	1	l.	l.	PROPN
cblr-14250	297	2	rev	rev	PROPN
cblr-14250	297	3	.	.	PROPN
cblr-14250	297	4	113	113	NUM
cblr-14250	297	5	(	(	PUNCT
cblr-14250	297	6	2020	2020	NUM
cblr-14250	297	7	)	)	PUNCT
cblr-14250	297	8	.	.	PUNCT
cblr-14250	298	1	48	48	NUM
cblr-14250	298	2	see	see	VERB
cblr-14250	298	3	mehrsa	mehrsa	NOUN
cblr-14250	298	4	baradaran	baradaran	VERB
cblr-14250	298	5	,	,	PUNCT
cblr-14250	298	6	it	it	PRON
cblr-14250	298	7	’s	’	VERB
cblr-14250	298	8	time	time	NOUN
cblr-14250	298	9	for	for	ADP
cblr-14250	298	10	postal	postal	ADJ
cblr-14250	298	11	banking	banking	NOUN
cblr-14250	298	12	,	,	PUNCT
cblr-14250	298	13	127	127	NUM
cblr-14250	298	14	harv	harv	NOUN
cblr-14250	298	15	.	.	PUNCT
cblr-14250	299	1	l.	l.	PROPN
cblr-14250	299	2	rev	rev	PROPN
cblr-14250	299	3	.	.	PROPN
cblr-14250	300	1	f.	f.	PROPN
cblr-14250	300	2	165	165	NUM
cblr-14250	300	3	(	(	PUNCT
cblr-14250	300	4	2014	2014	NUM
cblr-14250	300	5	)	)	PUNCT
cblr-14250	300	6	.	.	PUNCT
cblr-14250	301	1	49	49	NUM
cblr-14250	301	2	see	see	VERB
cblr-14250	301	3	omarova	omarova	PROPN
cblr-14250	301	4	,	,	PUNCT
cblr-14250	301	5	supra	supra	PROPN
cblr-14250	301	6	note	note	NOUN
cblr-14250	301	7	1	1	NUM
cblr-14250	301	8	.	.	PUNCT
cblr-14250	302	1	no	no	INTJ
cblr-14250	302	2	.	.	NOUN
cblr-14250	302	3	1	1	NUM
cblr-14250	302	4	]	]	PUNCT
cblr-14250	302	5	risk	risk	NOUN
cblr-14250	302	6	,	,	PUNCT
cblr-14250	302	7	discretion	discretion	NOUN
cblr-14250	302	8	,	,	PUNCT
cblr-14250	302	9	and	and	CCONJ
cblr-14250	302	10	bank	bank	NOUN
cblr-14250	302	11	supervision	supervision	NOUN
cblr-14250	302	12	155	155	NUM
cblr-14250	302	13	explaining	explain	VERB
cblr-14250	302	14	some	some	PRON
cblr-14250	302	15	of	of	ADP
cblr-14250	302	16	the	the	DET
cblr-14250	302	17	enduring	endure	VERB
cblr-14250	302	18	features	feature	NOUN
cblr-14250	302	19	of	of	ADP
cblr-14250	302	20	the	the	DET
cblr-14250	302	21	u.s	u.s	PROPN
cblr-14250	302	22	.	.	PROPN
cblr-14250	302	23	financial	financial	ADJ
cblr-14250	302	24	system	system	NOUN
cblr-14250	302	25	.	.	PUNCT
cblr-14250	303	1	alternative	alternative	ADJ
cblr-14250	303	2	models	model	NOUN
cblr-14250	303	3	of	of	ADP
cblr-14250	303	4	supervision	supervision	NOUN
cblr-14250	303	5	—	—	PUNCT
cblr-14250	303	6	supervision	supervision	NOUN
cblr-14250	303	7	as	as	ADP
cblr-14250	303	8	passive	passive	ADJ
cblr-14250	303	9	compliance	compliance	NOUN
cblr-14250	303	10	verification	verification	NOUN
cblr-14250	303	11	,	,	PUNCT
cblr-14250	303	12	supervision	supervision	NOUN
cblr-14250	303	13	as	as	ADP
cblr-14250	303	14	ongoing	ongoing	ADJ
cblr-14250	303	15	monitoring	monitoring	NOUN
cblr-14250	303	16	,	,	PUNCT
cblr-14250	303	17	supervision	supervision	NOUN
cblr-14250	303	18	as	as	ADP
cblr-14250	303	19	part	part	NOUN
cblr-14250	303	20	of	of	ADP
cblr-14250	303	21	a	a	DET
cblr-14250	303	22	grand	grand	ADJ
cblr-14250	303	23	nineteenth	nineteenth	ADJ
cblr-14250	303	24	century	century	NOUN
cblr-14250	303	25	monetary	monetary	ADJ
cblr-14250	303	26	bargain	bargain	NOUN
cblr-14250	303	27	,	,	PUNCT
cblr-14250	303	28	supervision	supervision	NOUN
cblr-14250	303	29	as	as	SCONJ
cblr-14250	303	30	bureaucratic	bureaucratic	ADJ
cblr-14250	303	31	power	power	NOUN
cblr-14250	303	32	run	run	VERB
cblr-14250	303	33	amok	amok	ADV
cblr-14250	303	34	,	,	PUNCT
cblr-14250	303	35	to	to	PART
cblr-14250	303	36	name	name	VERB
cblr-14250	303	37	those	those	PRON
cblr-14250	303	38	with	with	ADP
cblr-14250	303	39	which	which	PRON
cblr-14250	303	40	we	we	PRON
cblr-14250	303	41	engage	engage	VERB
cblr-14250	303	42	most	most	ADV
cblr-14250	303	43	directly	directly	ADV
cblr-14250	303	44	—	—	PUNCT
cblr-14250	303	45	fail	fail	VERB
cblr-14250	303	46	to	to	PART
cblr-14250	303	47	integrate	integrate	VERB
cblr-14250	303	48	the	the	DET
cblr-14250	303	49	financial	financial	ADJ
cblr-14250	303	50	system	system	NOUN
cblr-14250	303	51	as	as	SCONJ
cblr-14250	303	52	it	it	PRON
cblr-14250	303	53	was	be	AUX
cblr-14250	303	54	and	and	CCONJ
cblr-14250	303	55	as	as	SCONJ
cblr-14250	303	56	it	it	PRON
cblr-14250	303	57	is	be	AUX
cblr-14250	303	58	into	into	ADP
cblr-14250	303	59	the	the	DET
cblr-14250	303	60	wider	wide	ADJ
cblr-14250	303	61	experience	experience	NOUN
cblr-14250	303	62	of	of	ADP
cblr-14250	303	63	government	government	NOUN
cblr-14250	303	64	,	,	PUNCT
cblr-14250	303	65	practice	practice	NOUN
cblr-14250	303	66	,	,	PUNCT
cblr-14250	303	67	and	and	CCONJ
cblr-14250	303	68	political	political	ADJ
cblr-14250	303	69	economy	economy	NOUN
cblr-14250	303	70	.	.	PUNCT
cblr-14250	304	1	ii	ii	PROPN
cblr-14250	304	2	.	.	PUNCT
cblr-14250	304	3	supervision	supervision	PROPN
cblr-14250	304	4	’s	’s	PART
cblr-14250	304	5	slow	slow	ADJ
cblr-14250	304	6	and	and	CCONJ
cblr-14250	304	7	sudden	sudden	ADJ
cblr-14250	304	8	institutional	institutional	ADJ
cblr-14250	304	9	beginnings	beginning	NOUN
cblr-14250	304	10	:	:	PUNCT
cblr-14250	304	11	1789–1933	1789–1933	NUM
cblr-14250	304	12	the	the	DET
cblr-14250	304	13	history	history	NOUN
cblr-14250	304	14	of	of	ADP
cblr-14250	304	15	bank	bank	NOUN
cblr-14250	304	16	supervision	supervision	NOUN
cblr-14250	304	17	is	be	AUX
cblr-14250	304	18	the	the	DET
cblr-14250	304	19	story	story	NOUN
cblr-14250	304	20	of	of	ADP
cblr-14250	304	21	how	how	SCONJ
cblr-14250	304	22	the	the	DET
cblr-14250	304	23	residual	residual	ADJ
cblr-14250	304	24	-	-	PUNCT
cblr-14250	304	25	risk	risk	NOUN
cblr-14250	304	26	-	-	PUNCT
cblr-14250	304	27	and	and	CCONJ
cblr-14250	304	28	-	-	PUNCT
cblr-14250	304	29	discretion	discretion	NOUN
cblr-14250	304	30	model	model	NOUN
cblr-14250	304	31	of	of	ADP
cblr-14250	304	32	bank	bank	NOUN
cblr-14250	304	33	supervision	supervision	NOUN
cblr-14250	304	34	came	come	VERB
cblr-14250	304	35	to	to	PART
cblr-14250	304	36	be	be	AUX
cblr-14250	304	37	.	.	PUNCT
cblr-14250	305	1	part	part	PROPN
cblr-14250	305	2	ii	ii	PROPN
cblr-14250	305	3	narrates	narrate	VERB
cblr-14250	305	4	a	a	DET
cblr-14250	305	5	period	period	NOUN
cblr-14250	305	6	of	of	ADP
cblr-14250	305	7	unusual	unusual	ADJ
cblr-14250	305	8	supervisory	supervisory	ADJ
cblr-14250	305	9	tumult	tumult	NOUN
cblr-14250	305	10	and	and	CCONJ
cblr-14250	305	11	experimentation	experimentation	NOUN
cblr-14250	305	12	,	,	PUNCT
cblr-14250	305	13	through	through	ADP
cblr-14250	305	14	the	the	DET
cblr-14250	305	15	bank	bank	NOUN
cblr-14250	305	16	holiday	holiday	NOUN
cblr-14250	305	17	of	of	ADP
cblr-14250	305	18	1933	1933	NUM
cblr-14250	305	19	.	.	PUNCT
cblr-14250	306	1	this	this	DET
cblr-14250	306	2	story	story	NOUN
cblr-14250	306	3	shows	show	VERB
cblr-14250	306	4	why	why	SCONJ
cblr-14250	306	5	both	both	DET
cblr-14250	306	6	skeptics	skeptic	NOUN
cblr-14250	306	7	of	of	ADP
cblr-14250	306	8	supervisory	supervisory	ADJ
cblr-14250	306	9	discretion	discretion	NOUN
cblr-14250	306	10	and	and	CCONJ
cblr-14250	306	11	champions	champion	NOUN
cblr-14250	306	12	of	of	ADP
cblr-14250	306	13	supervisory	supervisory	ADJ
cblr-14250	306	14	power	power	NOUN
cblr-14250	306	15	anchored	anchor	VERB
cblr-14250	306	16	in	in	ADP
cblr-14250	306	17	one	one	NUM
cblr-14250	306	18	epistemological	epistemological	ADJ
cblr-14250	306	19	framework	framework	NOUN
cblr-14250	306	20	alike	alike	ADP
cblr-14250	306	21	misunderstand	misunderstand	NOUN
cblr-14250	306	22	the	the	DET
cblr-14250	306	23	institutional	institutional	ADJ
cblr-14250	306	24	evolution	evolution	NOUN
cblr-14250	306	25	of	of	ADP
cblr-14250	306	26	american	american	ADJ
cblr-14250	306	27	finance	finance	NOUN
cblr-14250	306	28	.	.	PUNCT
cblr-14250	307	1	this	this	DET
cblr-14250	307	2	history	history	NOUN
cblr-14250	307	3	begins	begin	VERB
cblr-14250	307	4	in	in	ADP
cblr-14250	307	5	the	the	DET
cblr-14250	307	6	early	early	ADJ
cblr-14250	307	7	days	day	NOUN
cblr-14250	307	8	of	of	ADP
cblr-14250	307	9	the	the	DET
cblr-14250	307	10	american	american	PROPN
cblr-14250	307	11	republic	republic	PROPN
cblr-14250	307	12	when	when	SCONJ
cblr-14250	307	13	central	central	ADJ
cblr-14250	307	14	banking	banking	NOUN
cblr-14250	307	15	institutions	institution	NOUN
cblr-14250	307	16	began	begin	VERB
cblr-14250	307	17	early	early	ADJ
cblr-14250	307	18	experiments	experiment	NOUN
cblr-14250	307	19	with	with	ADP
cblr-14250	307	20	supervision	supervision	NOUN
cblr-14250	307	21	before	before	ADP
cblr-14250	307	22	leaving	leave	VERB
cblr-14250	307	23	those	those	DET
cblr-14250	307	24	issues	issue	NOUN
cblr-14250	307	25	unevenly	unevenly	ADV
cblr-14250	307	26	to	to	ADP
cblr-14250	307	27	the	the	DET
cblr-14250	307	28	states	state	NOUN
cblr-14250	307	29	.	.	PUNCT
cblr-14250	308	1	it	it	PRON
cblr-14250	308	2	then	then	ADV
cblr-14250	308	3	explores	explore	VERB
cblr-14250	308	4	a	a	DET
cblr-14250	308	5	major	major	ADJ
cblr-14250	308	6	but	but	CCONJ
cblr-14250	308	7	unstable	unstable	ADJ
cblr-14250	308	8	monetary	monetary	ADJ
cblr-14250	308	9	intervention	intervention	NOUN
cblr-14250	308	10	during	during	ADP
cblr-14250	308	11	the	the	DET
cblr-14250	308	12	civil	civil	ADJ
cblr-14250	308	13	war	war	NOUN
cblr-14250	308	14	:	:	PUNCT
cblr-14250	308	15	the	the	DET
cblr-14250	308	16	creation	creation	NOUN
cblr-14250	308	17	of	of	ADP
cblr-14250	308	18	the	the	DET
cblr-14250	308	19	office	office	NOUN
cblr-14250	308	20	of	of	ADP
cblr-14250	308	21	the	the	DET
cblr-14250	308	22	comptroller	comptroller	NOUN
cblr-14250	308	23	of	of	ADP
cblr-14250	308	24	the	the	DET
cblr-14250	308	25	currency	currency	NOUN
cblr-14250	308	26	(	(	PUNCT
cblr-14250	308	27	the	the	DET
cblr-14250	308	28	occ	occ	NOUN
cblr-14250	308	29	)	)	PUNCT
cblr-14250	308	30	,	,	PUNCT
cblr-14250	308	31	an	an	DET
cblr-14250	308	32	office	office	NOUN
cblr-14250	308	33	that	that	PRON
cblr-14250	308	34	identified	identify	VERB
cblr-14250	308	35	examination	examination	NOUN
cblr-14250	308	36	and	and	CCONJ
cblr-14250	308	37	supervision	supervision	NOUN
cblr-14250	308	38	as	as	ADP
cblr-14250	308	39	a	a	DET
cblr-14250	308	40	priority	priority	NOUN
cblr-14250	308	41	without	without	ADP
cblr-14250	308	42	defining	define	VERB
cblr-14250	308	43	what	what	PRON
cblr-14250	308	44	those	those	DET
cblr-14250	308	45	practices	practice	NOUN
cblr-14250	308	46	entail	entail	VERB
cblr-14250	308	47	.	.	PUNCT
cblr-14250	309	1	after	after	ADP
cblr-14250	309	2	the	the	DET
cblr-14250	309	3	creation	creation	NOUN
cblr-14250	309	4	of	of	ADP
cblr-14250	309	5	the	the	DET
cblr-14250	309	6	occ	occ	NOUN
cblr-14250	309	7	and	and	CCONJ
cblr-14250	309	8	the	the	DET
cblr-14250	309	9	clarification	clarification	NOUN
cblr-14250	309	10	of	of	ADP
cblr-14250	309	11	its	its	PRON
cblr-14250	309	12	supervisory	supervisory	ADJ
cblr-14250	309	13	power	power	NOUN
cblr-14250	309	14	in	in	ADP
cblr-14250	309	15	1864	1864	NUM
cblr-14250	309	16	,	,	PUNCT
cblr-14250	309	17	the	the	DET
cblr-14250	309	18	postbellum	postbellum	NOUN
cblr-14250	309	19	and	and	CCONJ
cblr-14250	309	20	gilded	gild	VERB
cblr-14250	309	21	age	age	NOUN
cblr-14250	309	22	supervisory	supervisory	ADJ
cblr-14250	309	23	system	system	NOUN
cblr-14250	309	24	grappled	grapple	VERB
cblr-14250	309	25	—	—	PUNCT
cblr-14250	309	26	unevenly	unevenly	ADV
cblr-14250	309	27	and	and	CCONJ
cblr-14250	309	28	with	with	ADP
cblr-14250	309	29	substantial	substantial	ADJ
cblr-14250	309	30	failure	failure	NOUN
cblr-14250	309	31	—	—	PUNCT
cblr-14250	309	32	with	with	ADP
cblr-14250	309	33	the	the	DET
cblr-14250	309	34	perception	perception	NOUN
cblr-14250	309	35	that	that	SCONJ
cblr-14250	309	36	the	the	DET
cblr-14250	309	37	government	government	NOUN
cblr-14250	309	38	owned	own	VERB
cblr-14250	309	39	the	the	DET
cblr-14250	309	40	residual	residual	ADJ
cblr-14250	309	41	risk	risk	NOUN
cblr-14250	309	42	that	that	PRON
cblr-14250	309	43	its	its	PRON
cblr-14250	309	44	officials	official	NOUN
cblr-14250	309	45	managed	manage	VERB
cblr-14250	309	46	through	through	ADP
cblr-14250	309	47	the	the	DET
cblr-14250	309	48	exercise	exercise	NOUN
cblr-14250	309	49	of	of	ADP
cblr-14250	309	50	supervisory	supervisory	ADJ
cblr-14250	309	51	discretion	discretion	NOUN
cblr-14250	309	52	.	.	PUNCT
cblr-14250	310	1	supervision	supervision	NOUN
cblr-14250	310	2	had	have	AUX
cblr-14250	310	3	not	not	PART
cblr-14250	310	4	yet	yet	ADV
cblr-14250	310	5	adopted	adopt	VERB
cblr-14250	310	6	the	the	DET
cblr-14250	310	7	risk	risk	NOUN
cblr-14250	310	8	-	-	PUNCT
cblr-14250	310	9	and	and	CCONJ
cblr-14250	310	10	-	-	PUNCT
cblr-14250	310	11	discretion	discretion	NOUN
cblr-14250	310	12	framework	framework	NOUN
cblr-14250	310	13	transparently	transparently	ADV
cblr-14250	310	14	,	,	PUNCT
cblr-14250	310	15	in	in	ADP
cblr-14250	310	16	large	large	ADJ
cblr-14250	310	17	part	part	NOUN
cblr-14250	310	18	because	because	SCONJ
cblr-14250	310	19	supervision	supervision	NOUN
cblr-14250	310	20	156	156	NUM
cblr-14250	310	21	columbia	columbia	PROPN
cblr-14250	310	22	business	business	NOUN
cblr-14250	310	23	law	law	PROPN
cblr-14250	310	24	review	review	NOUN
cblr-14250	310	25	[	[	X
cblr-14250	310	26	vol	vol	NOUN
cblr-14250	310	27	.	.	PUNCT
cblr-14250	310	28	2025	2025	NUM
cblr-14250	310	29	lacked	lack	VERB
cblr-14250	310	30	any	any	DET
cblr-14250	310	31	plausible	plausible	ADJ
cblr-14250	310	32	financial	financial	ADJ
cblr-14250	310	33	mechanism	mechanism	NOUN
cblr-14250	310	34	of	of	ADP
cblr-14250	310	35	owning	own	VERB
cblr-14250	310	36	that	that	DET
cblr-14250	310	37	residual	residual	ADJ
cblr-14250	310	38	risk	risk	NOUN
cblr-14250	310	39	.	.	PUNCT
cblr-14250	311	1	this	this	DET
cblr-14250	311	2	lacuna	lacuna	NOUN
cblr-14250	311	3	was	be	AUX
cblr-14250	311	4	filled	fill	VERB
cblr-14250	311	5	conceptually	conceptually	ADV
cblr-14250	311	6	with	with	ADP
cblr-14250	311	7	the	the	DET
cblr-14250	311	8	creation	creation	NOUN
cblr-14250	311	9	of	of	ADP
cblr-14250	311	10	the	the	DET
cblr-14250	311	11	federal	federal	PROPN
cblr-14250	311	12	reserve	reserve	NOUN
cblr-14250	311	13	system	system	NOUN
cblr-14250	311	14	in	in	ADP
cblr-14250	311	15	1913	1913	NUM
cblr-14250	311	16	but	but	CCONJ
cblr-14250	311	17	did	do	AUX
cblr-14250	311	18	not	not	PART
cblr-14250	311	19	reach	reach	VERB
cblr-14250	311	20	its	its	PRON
cblr-14250	311	21	apotheosis	apotheosis	NOUN
cblr-14250	311	22	until	until	ADP
cblr-14250	311	23	arguably	arguably	ADV
cblr-14250	311	24	the	the	DET
cblr-14250	311	25	most	most	ADV
cblr-14250	311	26	important	important	ADJ
cblr-14250	311	27	episode	episode	NOUN
cblr-14250	311	28	in	in	ADP
cblr-14250	311	29	supervisory	supervisory	ADJ
cblr-14250	311	30	history	history	NOUN
cblr-14250	311	31	:	:	PUNCT
cblr-14250	311	32	the	the	DET
cblr-14250	311	33	bank	bank	NOUN
cblr-14250	311	34	holiday	holiday	NOUN
cblr-14250	311	35	of	of	ADP
cblr-14250	311	36	1933	1933	NUM
cblr-14250	311	37	,	,	PUNCT
cblr-14250	311	38	when	when	SCONJ
cblr-14250	311	39	the	the	DET
cblr-14250	311	40	roosevelt	roosevelt	PROPN
cblr-14250	311	41	administration	administration	PROPN
cblr-14250	311	42	gambled	gamble	VERB
cblr-14250	311	43	much	much	ADJ
cblr-14250	311	44	of	of	ADP
cblr-14250	311	45	its	its	PRON
cblr-14250	311	46	credibility	credibility	NOUN
cblr-14250	311	47	and	and	CCONJ
cblr-14250	311	48	legitimacy	legitimacy	NOUN
cblr-14250	311	49	by	by	ADP
cblr-14250	311	50	placing	place	VERB
cblr-14250	311	51	substantial	substantial	ADJ
cblr-14250	311	52	authority	authority	NOUN
cblr-14250	311	53	in	in	ADP
cblr-14250	311	54	the	the	DET
cblr-14250	311	55	discretionary	discretionary	ADJ
cblr-14250	311	56	hands	hand	NOUN
cblr-14250	311	57	of	of	ADP
cblr-14250	311	58	supervisors	supervisor	NOUN
cblr-14250	311	59	to	to	PART
cblr-14250	311	60	save	save	VERB
cblr-14250	311	61	the	the	DET
cblr-14250	311	62	financial	financial	ADJ
cblr-14250	311	63	system	system	NOUN
cblr-14250	311	64	.	.	PUNCT
cblr-14250	312	1	in	in	ADP
cblr-14250	312	2	the	the	DET
cblr-14250	312	3	process	process	NOUN
cblr-14250	312	4	,	,	PUNCT
cblr-14250	312	5	the	the	DET
cblr-14250	312	6	administration	administration	NOUN
cblr-14250	312	7	,	,	PUNCT
cblr-14250	312	8	the	the	DET
cblr-14250	312	9	supervisors	supervisor	NOUN
cblr-14250	312	10	,	,	PUNCT
cblr-14250	312	11	and	and	CCONJ
cblr-14250	312	12	especially	especially	ADV
cblr-14250	312	13	congress	congress	PROPN
cblr-14250	312	14	institutionalized	institutionalize	VERB
cblr-14250	312	15	this	this	DET
cblr-14250	312	16	model	model	NOUN
cblr-14250	312	17	of	of	ADP
cblr-14250	312	18	bank	bank	NOUN
cblr-14250	312	19	supervision	supervision	NOUN
cblr-14250	312	20	that	that	PRON
cblr-14250	312	21	has	have	AUX
cblr-14250	312	22	dominated	dominate	VERB
cblr-14250	312	23	the	the	DET
cblr-14250	312	24	political	political	ADJ
cblr-14250	312	25	economy	economy	NOUN
cblr-14250	312	26	ever	ever	ADV
cblr-14250	312	27	since	since	ADV
cblr-14250	312	28	.	.	PUNCT
cblr-14250	313	1	a.	a.	NOUN
cblr-14250	313	2	origins	origin	NOUN
cblr-14250	313	3	:	:	PUNCT
cblr-14250	313	4	1789–1870	1789–1870	NUM
cblr-14250	313	5	supervision	supervision	NOUN
cblr-14250	313	6	arises	arise	VERB
cblr-14250	313	7	from	from	ADP
cblr-14250	313	8	three	three	NUM
cblr-14250	313	9	distinct	distinct	ADJ
cblr-14250	313	10	historical	historical	ADJ
cblr-14250	313	11	trends	trend	NOUN
cblr-14250	313	12	:	:	PUNCT
cblr-14250	313	13	one	one	NUM
cblr-14250	313	14	legal	legal	ADJ
cblr-14250	313	15	,	,	PUNCT
cblr-14250	313	16	one	one	NUM
cblr-14250	313	17	fiscal	fiscal	ADJ
cblr-14250	313	18	,	,	PUNCT
cblr-14250	313	19	and	and	CCONJ
cblr-14250	313	20	one	one	NUM
cblr-14250	313	21	monetary	monetary	NOUN
cblr-14250	313	22	.	.	PUNCT
cblr-14250	314	1	legally	legally	ADV
cblr-14250	314	2	,	,	PUNCT
cblr-14250	314	3	supervision	supervision	NOUN
cblr-14250	314	4	is	be	AUX
cblr-14250	314	5	a	a	DET
cblr-14250	314	6	version	version	NOUN
cblr-14250	314	7	of	of	ADP
cblr-14250	314	8	corporate	corporate	ADJ
cblr-14250	314	9	“	"	PUNCT
cblr-14250	314	10	visitorial	visitorial	ADJ
cblr-14250	314	11	”	"	PUNCT
cblr-14250	314	12	authority	authority	NOUN
cblr-14250	314	13	that	that	PRON
cblr-14250	314	14	attached	attach	VERB
cblr-14250	314	15	to	to	ADP
cblr-14250	314	16	sovereign	sovereign	ADJ
cblr-14250	314	17	power	power	NOUN
cblr-14250	314	18	over	over	ADP
cblr-14250	314	19	chartered	chartered	ADJ
cblr-14250	314	20	institutions	institution	NOUN
cblr-14250	314	21	.	.	PUNCT
cblr-14250	315	1	the	the	DET
cblr-14250	315	2	visitorial	visitorial	ADJ
cblr-14250	315	3	authority	authority	NOUN
cblr-14250	315	4	evolved	evolve	VERB
cblr-14250	315	5	as	as	ADP
cblr-14250	315	6	a	a	DET
cblr-14250	315	7	blackstonian	blackstonian	ADJ
cblr-14250	315	8	english	english	ADJ
cblr-14250	315	9	common	common	ADJ
cblr-14250	315	10	law	law	NOUN
cblr-14250	315	11	concept	concept	NOUN
cblr-14250	315	12	that	that	PRON
cblr-14250	315	13	gave	give	VERB
cblr-14250	315	14	the	the	DET
cblr-14250	315	15	king	king	NOUN
cblr-14250	315	16	,	,	PUNCT
cblr-14250	315	17	as	as	ADP
cblr-14250	315	18	“	"	PUNCT
cblr-14250	315	19	founder	founder	NOUN
cblr-14250	315	20	of	of	ADP
cblr-14250	315	21	all	all	DET
cblr-14250	315	22	corporations	corporation	NOUN
cblr-14250	315	23	,	,	PUNCT
cblr-14250	315	24	in	in	ADP
cblr-14250	315	25	the	the	DET
cblr-14250	315	26	strictest	strict	ADJ
cblr-14250	315	27	and	and	CCONJ
cblr-14250	315	28	original	original	ADJ
cblr-14250	315	29	sense	sense	NOUN
cblr-14250	315	30	,	,	PUNCT
cblr-14250	315	31	”	"	PUNCT
cblr-14250	315	32	the	the	DET
cblr-14250	315	33	authority	authority	NOUN
cblr-14250	315	34	to	to	PART
cblr-14250	315	35	inspect	inspect	VERB
cblr-14250	315	36	or	or	CCONJ
cblr-14250	315	37	“	"	PUNCT
cblr-14250	315	38	visit	visit	VERB
cblr-14250	315	39	[	[	X
cblr-14250	315	40	]	]	X
cblr-14250	315	41	”	"	PUNCT
cblr-14250	315	42	any	any	DET
cblr-14250	315	43	civil	civil	ADJ
cblr-14250	315	44	corporation	corporation	NOUN
cblr-14250	315	45	to	to	PART
cblr-14250	315	46	ensure	ensure	VERB
cblr-14250	315	47	it	it	PRON
cblr-14250	315	48	charter	charter	NOUN
cblr-14250	315	49	provisions	provision	NOUN
cblr-14250	315	50	were	be	AUX
cblr-14250	315	51	being	be	AUX
cblr-14250	315	52	obeyed.50	obeyed.50	PRON
cblr-14250	315	53	the	the	DET
cblr-14250	315	54	fiscal	fiscal	ADJ
cblr-14250	315	55	authority	authority	NOUN
cblr-14250	315	56	emerged	emerge	VERB
cblr-14250	315	57	from	from	ADP
cblr-14250	315	58	the	the	DET
cblr-14250	315	59	union	union	NOUN
cblr-14250	315	60	,	,	PUNCT
cblr-14250	315	61	in	in	ADP
cblr-14250	315	62	early	early	ADJ
cblr-14250	315	63	chartered	chartered	ADJ
cblr-14250	315	64	banks	bank	NOUN
cblr-14250	315	65	,	,	PUNCT
cblr-14250	315	66	of	of	ADP
cblr-14250	315	67	private	private	ADJ
cblr-14250	315	68	ownership	ownership	NOUN
cblr-14250	315	69	and	and	CCONJ
cblr-14250	315	70	public	public	ADJ
cblr-14250	315	71	functions	function	NOUN
cblr-14250	315	72	—	—	PUNCT
cblr-14250	315	73	namely	namely	ADV
cblr-14250	315	74	,	,	PUNCT
cblr-14250	315	75	collecting	collect	VERB
cblr-14250	315	76	taxes	taxis	NOUN
cblr-14250	315	77	,	,	PUNCT
cblr-14250	315	78	holding	hold	VERB
cblr-14250	315	79	government	government	NOUN
cblr-14250	315	80	deposits	deposit	NOUN
cblr-14250	315	81	,	,	PUNCT
cblr-14250	315	82	and	and	CCONJ
cblr-14250	315	83	making	make	VERB
cblr-14250	315	84	payments	payment	NOUN
cblr-14250	315	85	on	on	ADP
cblr-14250	315	86	the	the	DET
cblr-14250	315	87	government	government	NOUN
cblr-14250	315	88	’s	’s	PART
cblr-14250	315	89	behalf	behalf	NOUN
cblr-14250	315	90	.	.	PUNCT
cblr-14250	316	1	the	the	DET
cblr-14250	316	2	monetary	monetary	ADJ
cblr-14250	316	3	function	function	NOUN
cblr-14250	316	4	arose	arise	VERB
cblr-14250	316	5	,	,	PUNCT
cblr-14250	316	6	in	in	ADP
cblr-14250	316	7	turn	turn	NOUN
cblr-14250	316	8	,	,	PUNCT
cblr-14250	316	9	to	to	PART
cblr-14250	316	10	assure	assure	VERB
cblr-14250	316	11	government	government	NOUN
cblr-14250	316	12	officials	official	NOUN
cblr-14250	316	13	and	and	CCONJ
cblr-14250	316	14	the	the	DET
cblr-14250	316	15	wider	wide	ADJ
cblr-14250	316	16	public	public	NOUN
cblr-14250	316	17	that	that	SCONJ
cblr-14250	316	18	bank	bank	NOUN
cblr-14250	316	19	notes	note	NOUN
cblr-14250	316	20	(	(	PUNCT
cblr-14250	316	21	credit	credit	NOUN
cblr-14250	316	22	instruments	instrument	NOUN
cblr-14250	316	23	)	)	PUNCT
cblr-14250	316	24	that	that	PRON
cblr-14250	316	25	circulated	circulate	VERB
cblr-14250	316	26	as	as	ADP
cblr-14250	316	27	currency	currency	NOUN
cblr-14250	316	28	were	be	AUX
cblr-14250	316	29	convertible	convertible	ADJ
cblr-14250	316	30	into	into	ADP
cblr-14250	316	31	gold	gold	NOUN
cblr-14250	316	32	and	and	CCONJ
cblr-14250	316	33	silver	silver	ADJ
cblr-14250	316	34	coin	coin	NOUN
cblr-14250	316	35	(	(	PUNCT
cblr-14250	316	36	specie	specie	NOUN
cblr-14250	316	37	money	money	NOUN
cblr-14250	316	38	)	)	PUNCT
cblr-14250	316	39	.	.	PUNCT
cblr-14250	317	1	these	these	DET
cblr-14250	317	2	trends	trend	NOUN
cblr-14250	317	3	converged	converge	VERB
cblr-14250	317	4	in	in	ADP
cblr-14250	317	5	the	the	DET
cblr-14250	317	6	creation	creation	NOUN
cblr-14250	317	7	and	and	CCONJ
cblr-14250	317	8	management	management	NOUN
cblr-14250	317	9	of	of	ADP
cblr-14250	317	10	the	the	DET
cblr-14250	317	11	first	first	ADJ
cblr-14250	317	12	and	and	CCONJ
cblr-14250	317	13	second	second	ADJ
cblr-14250	317	14	banks	bank	NOUN
cblr-14250	317	15	of	of	ADP
cblr-14250	317	16	the	the	DET
cblr-14250	317	17	united	united	PROPN
cblr-14250	317	18	states	states	PROPN
cblr-14250	317	19	.	.	PUNCT
cblr-14250	318	1	in	in	ADP
cblr-14250	318	2	the	the	DET
cblr-14250	318	3	1791	1791	NUM
cblr-14250	318	4	50	50	NUM
cblr-14250	318	5	see	see	VERB
cblr-14250	318	6	1	1	NUM
cblr-14250	318	7	blackstone	blackstone	NOUN
cblr-14250	318	8	,	,	PUNCT
cblr-14250	318	9	commentaries	commentary	NOUN
cblr-14250	318	10	on	on	ADP
cblr-14250	318	11	the	the	DET
cblr-14250	318	12	laws	law	NOUN
cblr-14250	318	13	of	of	ADP
cblr-14250	318	14	england	england	PROPN
cblr-14250	318	15	*	*	PROPN
cblr-14250	318	16	455	455	NUM
cblr-14250	318	17	,	,	PUNCT
cblr-14250	318	18	*	*	ADJ
cblr-14250	318	19	468–69	468–69	X
cblr-14250	318	20	;	;	PUNCT
cblr-14250	318	21	sara	sara	PROPN
cblr-14250	318	22	sager	sager	PROPN
cblr-14250	318	23	,	,	PUNCT
cblr-14250	318	24	preemption	preemption	NOUN
cblr-14250	318	25	rights	right	NOUN
cblr-14250	318	26	of	of	ADP
cblr-14250	318	27	national	national	PROPN
cblr-14250	318	28	bank	bank	PROPN
cblr-14250	318	29	operating	operating	NOUN
cblr-14250	318	30	subsidiaries	subsidiary	NOUN
cblr-14250	318	31	:	:	PUNCT
cblr-14250	318	32	the	the	DET
cblr-14250	318	33	fight	fight	NOUN
cblr-14250	318	34	for	for	ADP
cblr-14250	318	35	visitorial	visitorial	ADJ
cblr-14250	318	36	power	power	NOUN
cblr-14250	318	37	,	,	PUNCT
cblr-14250	318	38	30	30	NUM
cblr-14250	318	39	j.	j.	PROPN
cblr-14250	318	40	corp	corp	PROPN
cblr-14250	318	41	.	.	PROPN
cblr-14250	318	42	l.	l.	PROPN
cblr-14250	318	43	183	183	NUM
cblr-14250	318	44	(	(	PUNCT
cblr-14250	318	45	2004	2004	NUM
cblr-14250	318	46	)	)	PUNCT
cblr-14250	318	47	.	.	PUNCT
cblr-14250	319	1	no	no	INTJ
cblr-14250	319	2	.	.	NOUN
cblr-14250	319	3	1	1	NUM
cblr-14250	319	4	]	]	PUNCT
cblr-14250	319	5	risk	risk	NOUN
cblr-14250	319	6	,	,	PUNCT
cblr-14250	319	7	discretion	discretion	NOUN
cblr-14250	319	8	,	,	PUNCT
cblr-14250	319	9	and	and	CCONJ
cblr-14250	319	10	bank	bank	NOUN
cblr-14250	319	11	supervision	supervision	NOUN
cblr-14250	319	12	157	157	NUM
cblr-14250	319	13	charter	charter	NOUN
cblr-14250	319	14	of	of	ADP
cblr-14250	319	15	the	the	DET
cblr-14250	319	16	first	first	ADJ
cblr-14250	319	17	bank	bank	NOUN
cblr-14250	319	18	,	,	PUNCT
cblr-14250	319	19	congress	congress	PROPN
cblr-14250	319	20	preserved	preserve	VERB
cblr-14250	319	21	for	for	ADP
cblr-14250	319	22	itself	itself	PRON
cblr-14250	319	23	the	the	DET
cblr-14250	319	24	power	power	NOUN
cblr-14250	319	25	to	to	PART
cblr-14250	319	26	“	"	PUNCT
cblr-14250	319	27	inspect	inspect	VERB
cblr-14250	319	28	such	such	ADJ
cblr-14250	319	29	general	general	ADJ
cblr-14250	319	30	accounts	account	NOUN
cblr-14250	319	31	in	in	ADP
cblr-14250	319	32	the	the	DET
cblr-14250	319	33	books	book	NOUN
cblr-14250	319	34	of	of	ADP
cblr-14250	319	35	the	the	DET
cblr-14250	319	36	bank	bank	NOUN
cblr-14250	319	37	,	,	PUNCT
cblr-14250	319	38	”	"	PUNCT
cblr-14250	319	39	largely	largely	ADV
cblr-14250	319	40	to	to	PART
cblr-14250	319	41	retain	retain	VERB
cblr-14250	319	42	fiscal	fiscal	ADJ
cblr-14250	319	43	oversight.51	oversight.51	NOUN
cblr-14250	319	44	the	the	DET
cblr-14250	319	45	first	first	PROPN
cblr-14250	319	46	bank	bank	NOUN
cblr-14250	319	47	’s	’s	PART
cblr-14250	319	48	visitorial	visitorial	ADJ
cblr-14250	319	49	authority	authority	NOUN
cblr-14250	319	50	,	,	PUNCT
cblr-14250	319	51	as	as	ADP
cblr-14250	319	52	previously	previously	ADV
cblr-14250	319	53	with	with	ADP
cblr-14250	319	54	the	the	DET
cblr-14250	319	55	bank	bank	PROPN
cblr-14250	319	56	of	of	ADP
cblr-14250	319	57	england	england	PROPN
cblr-14250	319	58	,	,	PUNCT
cblr-14250	319	59	was	be	AUX
cblr-14250	319	60	implied	imply	VERB
cblr-14250	319	61	.	.	PUNCT
cblr-14250	320	1	the	the	DET
cblr-14250	320	2	second	second	ADJ
cblr-14250	320	3	bank	bank	NOUN
cblr-14250	320	4	of	of	ADP
cblr-14250	320	5	the	the	DET
cblr-14250	320	6	united	united	PROPN
cblr-14250	320	7	states	states	PROPN
cblr-14250	320	8	,	,	PUNCT
cblr-14250	320	9	chartered	charter	VERB
cblr-14250	320	10	in	in	ADP
cblr-14250	320	11	spring	spring	NOUN
cblr-14250	320	12	1816	1816	NUM
cblr-14250	320	13	,	,	PUNCT
cblr-14250	320	14	contained	contain	VERB
cblr-14250	320	15	an	an	DET
cblr-14250	320	16	identical	identical	ADJ
cblr-14250	320	17	inspection	inspection	NOUN
cblr-14250	320	18	provision	provision	NOUN
cblr-14250	320	19	but	but	CCONJ
cblr-14250	320	20	also	also	ADV
cblr-14250	320	21	made	make	VERB
cblr-14250	320	22	the	the	DET
cblr-14250	320	23	visitorial	visitorial	ADJ
cblr-14250	320	24	paradigm	paradigm	NOUN
cblr-14250	320	25	explicit	explicit	ADJ
cblr-14250	320	26	:	:	PUNCT
cblr-14250	320	27	“	"	PUNCT
cblr-14250	320	28	a	a	DET
cblr-14250	320	29	committee	committee	NOUN
cblr-14250	320	30	of	of	ADP
cblr-14250	320	31	either	either	DET
cblr-14250	320	32	house	house	PROPN
cblr-14250	320	33	of	of	ADP
cblr-14250	320	34	congress	congress	PROPN
cblr-14250	320	35	”	"	PUNCT
cblr-14250	320	36	could	could	AUX
cblr-14250	320	37	at	at	ADP
cblr-14250	320	38	any	any	DET
cblr-14250	320	39	time	time	NOUN
cblr-14250	320	40	“	"	PUNCT
cblr-14250	320	41	inspect	inspect	VERB
cblr-14250	320	42	the	the	DET
cblr-14250	320	43	books	book	NOUN
cblr-14250	320	44	”	"	PUNCT
cblr-14250	320	45	and	and	CCONJ
cblr-14250	320	46	“	"	PUNCT
cblr-14250	320	47	examine	examine	VERB
cblr-14250	320	48	into	into	ADP
cblr-14250	320	49	the	the	DET
cblr-14250	320	50	proceedings	proceeding	NOUN
cblr-14250	320	51	of	of	ADP
cblr-14250	320	52	the	the	DET
cblr-14250	320	53	corporation	corporation	NOUN
cblr-14250	320	54	”	"	PUNCT
cblr-14250	320	55	for	for	ADP
cblr-14250	320	56	the	the	DET
cblr-14250	320	57	purpose	purpose	NOUN
cblr-14250	320	58	of	of	ADP
cblr-14250	320	59	reporting	report	VERB
cblr-14250	320	60	“	"	PUNCT
cblr-14250	320	61	whether	whether	SCONJ
cblr-14250	320	62	the	the	DET
cblr-14250	320	63	provisions	provision	NOUN
cblr-14250	320	64	of	of	ADP
cblr-14250	320	65	this	this	DET
cblr-14250	320	66	charter	charter	NOUN
cblr-14250	320	67	have	have	AUX
cblr-14250	320	68	been	be	AUX
cblr-14250	320	69	.	.	PUNCT
cblr-14250	320	70	.	.	PUNCT
cblr-14250	321	1	.	.	PUNCT
cblr-14250	322	1	violated	violate	VERB
cblr-14250	322	2	.	.	PUNCT
cblr-14250	322	3	”52	”52	PUNCT
cblr-14250	322	4	although	although	SCONJ
cblr-14250	322	5	neither	neither	DET
cblr-14250	322	6	charter	charter	NOUN
cblr-14250	322	7	explicitly	explicitly	ADV
cblr-14250	322	8	linked	link	VERB
cblr-14250	322	9	the	the	DET
cblr-14250	322	10	monetary	monetary	ADJ
cblr-14250	322	11	function	function	NOUN
cblr-14250	322	12	to	to	ADP
cblr-14250	322	13	inspection	inspection	NOUN
cblr-14250	322	14	,	,	PUNCT
cblr-14250	322	15	the	the	DET
cblr-14250	322	16	fundamental	fundamental	ADJ
cblr-14250	322	17	purpose	purpose	NOUN
cblr-14250	322	18	of	of	ADP
cblr-14250	322	19	both	both	DET
cblr-14250	322	20	banks	bank	NOUN
cblr-14250	322	21	was	be	AUX
cblr-14250	322	22	to	to	PART
cblr-14250	322	23	provide	provide	VERB
cblr-14250	322	24	a	a	DET
cblr-14250	322	25	stable	stable	ADJ
cblr-14250	322	26	,	,	PUNCT
cblr-14250	322	27	uniform	uniform	ADJ
cblr-14250	322	28	circulating	circulate	VERB
cblr-14250	322	29	medium	medium	NOUN
cblr-14250	322	30	.	.	PUNCT
cblr-14250	323	1	when	when	SCONJ
cblr-14250	323	2	a	a	DET
cblr-14250	323	3	congressional	congressional	ADJ
cblr-14250	323	4	committee	committee	NOUN
cblr-14250	323	5	used	use	VERB
cblr-14250	323	6	its	its	PRON
cblr-14250	323	7	visitorial	visitorial	ADJ
cblr-14250	323	8	power	power	NOUN
cblr-14250	323	9	to	to	PART
cblr-14250	323	10	inspect	inspect	VERB
cblr-14250	323	11	the	the	DET
cblr-14250	323	12	second	second	ADJ
cblr-14250	323	13	bank	bank	NOUN
cblr-14250	323	14	in	in	ADP
cblr-14250	323	15	1818	1818	NUM
cblr-14250	323	16	,	,	PUNCT
cblr-14250	323	17	they	they	PRON
cblr-14250	323	18	reported	report	VERB
cblr-14250	323	19	on	on	ADP
cblr-14250	323	20	two	two	NUM
cblr-14250	323	21	aspects	aspect	NOUN
cblr-14250	323	22	:	:	PUNCT
cblr-14250	323	23	“	"	PUNCT
cblr-14250	323	24	those	those	PRON
cblr-14250	323	25	which	which	PRON
cblr-14250	323	26	related	relate	VERB
cblr-14250	323	27	to	to	ADP
cblr-14250	323	28	the	the	DET
cblr-14250	323	29	general	general	ADJ
cblr-14250	323	30	management	management	NOUN
cblr-14250	323	31	of	of	ADP
cblr-14250	323	32	the	the	DET
cblr-14250	323	33	bank	bank	NOUN
cblr-14250	323	34	,	,	PUNCT
cblr-14250	323	35	”	"	PUNCT
cblr-14250	323	36	that	that	PRON
cblr-14250	323	37	is	be	AUX
cblr-14250	323	38	,	,	PUNCT
cblr-14250	323	39	its	its	PRON
cblr-14250	323	40	monetary	monetary	ADJ
cblr-14250	323	41	functions	function	NOUN
cblr-14250	323	42	,	,	PUNCT
cblr-14250	323	43	“	"	PUNCT
cblr-14250	323	44	and	and	CCONJ
cblr-14250	323	45	those	those	PRON
cblr-14250	323	46	which	which	PRON
cblr-14250	323	47	were	be	AUX
cblr-14250	323	48	connected	connect	VERB
cblr-14250	323	49	with	with	ADP
cblr-14250	323	50	the	the	DET
cblr-14250	323	51	question	question	NOUN
cblr-14250	323	52	of	of	ADP
cblr-14250	323	53	a	a	DET
cblr-14250	323	54	violation	violation	NOUN
cblr-14250	323	55	of	of	ADP
cblr-14250	323	56	its	its	PRON
cblr-14250	323	57	charter	charter	NOUN
cblr-14250	323	58	.	.	PUNCT
cblr-14250	324	1	”53	”53	PROPN
cblr-14250	324	2	congress	congress	PROPN
cblr-14250	324	3	’s	’s	PART
cblr-14250	324	4	1818	1818	NUM
cblr-14250	324	5	inquiry	inquiry	NOUN
cblr-14250	324	6	,	,	PUNCT
cblr-14250	324	7	and	and	CCONJ
cblr-14250	324	8	indeed	indeed	ADV
cblr-14250	324	9	much	much	ADJ
cblr-14250	324	10	of	of	ADP
cblr-14250	324	11	the	the	DET
cblr-14250	324	12	political	political	ADJ
cblr-14250	324	13	controversy	controversy	NOUN
cblr-14250	324	14	surrounding	surround	VERB
cblr-14250	324	15	the	the	DET
cblr-14250	324	16	first	first	ADJ
cblr-14250	324	17	and	and	CCONJ
cblr-14250	324	18	second	second	ADJ
cblr-14250	324	19	banks	bank	NOUN
cblr-14250	324	20	,	,	PUNCT
cblr-14250	324	21	focused	focus	VERB
cblr-14250	324	22	on	on	ADP
cblr-14250	324	23	the	the	DET
cblr-14250	324	24	quasi	quasi	ADJ
cblr-14250	324	25	-	-	ADJ
cblr-14250	324	26	public	public	ADJ
cblr-14250	324	27	banks	bank	NOUN
cblr-14250	324	28	’	’	PART
cblr-14250	324	29	private	private	ADJ
cblr-14250	324	30	counterparty	counterparty	NOUN
cblr-14250	324	31	supervision	supervision	NOUN
cblr-14250	324	32	.	.	PUNCT
cblr-14250	325	1	although	although	SCONJ
cblr-14250	325	2	the	the	DET
cblr-14250	325	3	constitution	constitution	NOUN
cblr-14250	325	4	prohibited	prohibit	VERB
cblr-14250	325	5	the	the	DET
cblr-14250	325	6	states	state	NOUN
cblr-14250	325	7	from	from	ADP
cblr-14250	325	8	51	51	NUM
cblr-14250	325	9	matthew	matthew	PROPN
cblr-14250	325	10	st	st	PROPN
cblr-14250	325	11	.	.	PROPN
cblr-14250	325	12	clair	clair	PROPN
cblr-14250	325	13	clarke	clarke	PROPN
cblr-14250	325	14	,	,	PUNCT
cblr-14250	325	15	legislative	legislative	ADJ
cblr-14250	325	16	and	and	CCONJ
cblr-14250	325	17	documentary	documentary	NOUN
cblr-14250	325	18	history	history	NOUN
cblr-14250	325	19	of	of	ADP
cblr-14250	325	20	the	the	DET
cblr-14250	325	21	bank	bank	NOUN
cblr-14250	325	22	of	of	ADP
cblr-14250	325	23	the	the	DET
cblr-14250	325	24	united	united	PROPN
cblr-14250	325	25	states	states	PROPN
cblr-14250	325	26	:	:	PUNCT
cblr-14250	325	27	including	include	VERB
cblr-14250	325	28	the	the	DET
cblr-14250	325	29	original	original	ADJ
cblr-14250	325	30	bank	bank	NOUN
cblr-14250	325	31	of	of	ADP
cblr-14250	325	32	north	north	PROPN
cblr-14250	325	33	america	america	PROPN
cblr-14250	325	34	33	33	NUM
cblr-14250	325	35	,	,	PUNCT
cblr-14250	325	36	518	518	NUM
cblr-14250	325	37	(	(	PUNCT
cblr-14250	325	38	1832	1832	NUM
cblr-14250	325	39	)	)	PUNCT
cblr-14250	325	40	.	.	PUNCT
cblr-14250	326	1	52	52	NUM
cblr-14250	327	1	i	i	PRON
cblr-14250	327	2	d.	d.	NOUN
cblr-14250	327	3	at	at	ADP
cblr-14250	327	4	593	593	NUM
cblr-14250	327	5	,	,	PUNCT
cblr-14250	327	6	811	811	NUM
cblr-14250	327	7	.	.	PUNCT
cblr-14250	328	1	we	we	PRON
cblr-14250	328	2	have	have	AUX
cblr-14250	328	3	found	find	VERB
cblr-14250	328	4	evidence	evidence	NOUN
cblr-14250	328	5	,	,	PUNCT
cblr-14250	328	6	however	however	ADV
cblr-14250	328	7	,	,	PUNCT
cblr-14250	328	8	for	for	ADP
cblr-14250	328	9	significant	significant	ADJ
cblr-14250	328	10	state	state	NOUN
cblr-14250	328	11	legislative	legislative	ADJ
cblr-14250	328	12	inspection	inspection	NOUN
cblr-14250	328	13	of	of	ADP
cblr-14250	328	14	banks	bank	NOUN
cblr-14250	328	15	,	,	PUNCT
cblr-14250	328	16	especially	especially	ADV
cblr-14250	328	17	as	as	ADP
cblr-14250	328	18	part	part	NOUN
cblr-14250	328	19	of	of	ADP
cblr-14250	328	20	the	the	DET
cblr-14250	328	21	chartering	chartering	NOUN
cblr-14250	328	22	process	process	NOUN
cblr-14250	328	23	.	.	PUNCT
cblr-14250	329	1	as	as	SCONJ
cblr-14250	329	2	one	one	NUM
cblr-14250	329	3	legislator	legislator	NOUN
cblr-14250	329	4	observed	observe	VERB
cblr-14250	329	5	in	in	ADP
cblr-14250	329	6	1831	1831	NUM
cblr-14250	329	7	,	,	PUNCT
cblr-14250	329	8	when	when	SCONJ
cblr-14250	329	9	bank	bank	NOUN
cblr-14250	329	10	chartering	chartering	NOUN
cblr-14250	329	11	required	require	VERB
cblr-14250	329	12	a	a	DET
cblr-14250	329	13	specific	specific	ADJ
cblr-14250	329	14	legislative	legislative	ADJ
cblr-14250	329	15	act	act	NOUN
cblr-14250	329	16	,	,	PUNCT
cblr-14250	329	17	“	"	PUNCT
cblr-14250	329	18	it	it	PRON
cblr-14250	329	19	is	be	AUX
cblr-14250	329	20	the	the	DET
cblr-14250	329	21	duty	duty	NOUN
cblr-14250	329	22	of	of	ADP
cblr-14250	329	23	the	the	DET
cblr-14250	329	24	legislature	legislature	NOUN
cblr-14250	329	25	to	to	PART
cblr-14250	329	26	ascertain	ascertain	VERB
cblr-14250	329	27	by	by	ADP
cblr-14250	329	28	competent	competent	ADJ
cblr-14250	329	29	testimony	testimony	NOUN
cblr-14250	329	30	,	,	PUNCT
cblr-14250	329	31	whether	whether	SCONJ
cblr-14250	329	32	the	the	DET
cblr-14250	329	33	amount	amount	NOUN
cblr-14250	329	34	of	of	ADP
cblr-14250	329	35	business	business	NOUN
cblr-14250	329	36	and	and	CCONJ
cblr-14250	329	37	capital	capital	NOUN
cblr-14250	329	38	in	in	ADP
cblr-14250	329	39	the	the	DET
cblr-14250	329	40	place	place	NOUN
cblr-14250	329	41	where	where	SCONJ
cblr-14250	329	42	the	the	DET
cblr-14250	329	43	bank	bank	NOUN
cblr-14250	329	44	is	be	AUX
cblr-14250	329	45	to	to	PART
cblr-14250	329	46	be	be	AUX
cblr-14250	329	47	established	establish	VERB
cblr-14250	329	48	,	,	PUNCT
cblr-14250	329	49	are	be	AUX
cblr-14250	329	50	such	such	ADJ
cblr-14250	329	51	,	,	PUNCT
cblr-14250	329	52	as	as	SCONJ
cblr-14250	329	53	to	to	PART
cblr-14250	329	54	require	require	VERB
cblr-14250	329	55	the	the	DET
cblr-14250	329	56	accommodation	accommodation	NOUN
cblr-14250	329	57	;	;	PUNCT
cblr-14250	329	58	and	and	CCONJ
cblr-14250	329	59	above	above	ADP
cblr-14250	329	60	all	all	PRON
cblr-14250	329	61	,	,	PUNCT
cblr-14250	329	62	whether	whether	SCONJ
cblr-14250	329	63	those	those	PRON
cblr-14250	329	64	who	who	PRON
cblr-14250	329	65	ask	ask	VERB
cblr-14250	329	66	the	the	DET
cblr-14250	329	67	privilege	privilege	NOUN
cblr-14250	329	68	,	,	PUNCT
cblr-14250	329	69	are	be	AUX
cblr-14250	329	70	men	man	NOUN
cblr-14250	329	71	of	of	ADP
cblr-14250	329	72	unsuspected	unsuspected	ADJ
cblr-14250	329	73	character	character	NOUN
cblr-14250	329	74	.	.	PUNCT
cblr-14250	329	75	”	"	PUNCT
cblr-14250	330	1	howard	howard	PROPN
cblr-14250	330	2	bodenhorn	bodenhorn	ADJ
cblr-14250	330	3	,	,	PUNCT
cblr-14250	330	4	state	state	NOUN
cblr-14250	330	5	banking	banking	NOUN
cblr-14250	330	6	in	in	ADP
cblr-14250	330	7	early	early	PROPN
cblr-14250	330	8	america	america	PROPN
cblr-14250	330	9	:	:	PUNCT
cblr-14250	330	10	a	a	DET
cblr-14250	330	11	new	new	ADJ
cblr-14250	330	12	economic	economic	ADJ
cblr-14250	330	13	history	history	NOUN
cblr-14250	330	14	13	13	NUM
cblr-14250	330	15	(	(	PUNCT
cblr-14250	330	16	2003	2003	NUM
cblr-14250	330	17	)	)	PUNCT
cblr-14250	330	18	(	(	PUNCT
cblr-14250	330	19	quoting	quote	VERB
cblr-14250	330	20	anonymous	anonymous	ADJ
cblr-14250	330	21	,	,	PUNCT
cblr-14250	330	22	a	a	DET
cblr-14250	330	23	defence	defence	NOUN
cblr-14250	330	24	of	of	ADP
cblr-14250	330	25	country	country	NOUN
cblr-14250	330	26	banks	bank	NOUN
cblr-14250	330	27	;	;	PUNCT
cblr-14250	330	28	being	be	AUX
cblr-14250	330	29	a	a	DET
cblr-14250	330	30	reply	reply	NOUN
cblr-14250	330	31	to	to	ADP
cblr-14250	330	32	a	a	DET
cblr-14250	330	33	pamphlet	pamphlet	NOUN
cblr-14250	330	34	entitled	entitle	VERB
cblr-14250	330	35	‘	'	PUNCT
cblr-14250	330	36	an	an	DET
cblr-14250	330	37	examination	examination	NOUN
cblr-14250	330	38	of	of	ADP
cblr-14250	330	39	the	the	DET
cblr-14250	330	40	banking	banking	NOUN
cblr-14250	330	41	system	system	NOUN
cblr-14250	330	42	of	of	ADP
cblr-14250	330	43	massachusetts	massachusetts	PROPN
cblr-14250	330	44	’	'	PUNCT
cblr-14250	330	45	21–22	21–22	NUM
cblr-14250	330	46	(	(	PUNCT
cblr-14250	330	47	1831	1831	NUM
cblr-14250	330	48	)	)	PUNCT
cblr-14250	330	49	.	.	PUNCT
cblr-14250	331	1	53	53	NUM
cblr-14250	331	2	i	i	PRON
cblr-14250	331	3	d.	d.	PROPN
cblr-14250	331	4	at	at	ADP
cblr-14250	331	5	715	715	NUM
cblr-14250	331	6	.	.	PUNCT
cblr-14250	331	7	158	158	NUM
cblr-14250	331	8	columbia	columbia	PROPN
cblr-14250	331	9	business	business	NOUN
cblr-14250	331	10	law	law	PROPN
cblr-14250	331	11	review	review	NOUN
cblr-14250	332	1	[	[	X
cblr-14250	332	2	vol	vol	NOUN
cblr-14250	332	3	.	.	PUNCT
cblr-14250	332	4	2025	2025	NUM
cblr-14250	332	5	participating	participate	VERB
cblr-14250	332	6	in	in	ADP
cblr-14250	332	7	the	the	DET
cblr-14250	332	8	issuance	issuance	NOUN
cblr-14250	332	9	of	of	ADP
cblr-14250	332	10	paper	paper	NOUN
cblr-14250	332	11	currency,54	currency,54	NOUN
cblr-14250	332	12	by	by	ADP
cblr-14250	332	13	1820	1820	NUM
cblr-14250	332	14	there	there	PRON
cblr-14250	332	15	were	be	VERB
cblr-14250	332	16	300	300	NUM
cblr-14250	332	17	banks	bank	NOUN
cblr-14250	332	18	issuing	issue	VERB
cblr-14250	332	19	currency	currency	NOUN
cblr-14250	332	20	with	with	ADP
cblr-14250	332	21	minimal	minimal	ADJ
cblr-14250	332	22	standardization	standardization	NOUN
cblr-14250	332	23	.	.	PUNCT
cblr-14250	333	1	in	in	ADP
cblr-14250	333	2	theory	theory	NOUN
cblr-14250	333	3	,	,	PUNCT
cblr-14250	333	4	these	these	DET
cblr-14250	333	5	notes	note	NOUN
cblr-14250	333	6	were	be	AUX
cblr-14250	333	7	freely	freely	ADV
cblr-14250	333	8	redeemable	redeemable	ADJ
cblr-14250	333	9	in	in	ADP
cblr-14250	333	10	the	the	DET
cblr-14250	333	11	specie	specie	NOUN
cblr-14250	333	12	coinage	coinage	NOUN
cblr-14250	333	13	of	of	ADP
cblr-14250	333	14	the	the	DET
cblr-14250	333	15	united	united	PROPN
cblr-14250	333	16	states	states	PROPN
cblr-14250	333	17	,	,	PUNCT
cblr-14250	333	18	a	a	DET
cblr-14250	333	19	promise	promise	NOUN
cblr-14250	333	20	that	that	PRON
cblr-14250	333	21	facilitated	facilitate	VERB
cblr-14250	333	22	their	their	PRON
cblr-14250	333	23	use	use	NOUN
cblr-14250	333	24	as	as	ADP
cblr-14250	333	25	a	a	DET
cblr-14250	333	26	medium	medium	NOUN
cblr-14250	333	27	of	of	ADP
cblr-14250	333	28	exchange	exchange	NOUN
cblr-14250	333	29	.	.	PUNCT
cblr-14250	334	1	the	the	DET
cblr-14250	334	2	biggest	big	ADJ
cblr-14250	334	3	supervisory	supervisory	ADJ
cblr-14250	334	4	question	question	NOUN
cblr-14250	334	5	in	in	ADP
cblr-14250	334	6	antebellum	antebellum	PROPN
cblr-14250	334	7	america	america	PROPN
cblr-14250	334	8	,	,	PUNCT
cblr-14250	334	9	then	then	ADV
cblr-14250	334	10	,	,	PUNCT
cblr-14250	334	11	was	be	AUX
cblr-14250	334	12	between	between	ADP
cblr-14250	334	13	essentially	essentially	ADV
cblr-14250	334	14	private	private	ADJ
cblr-14250	334	15	institutions	institution	NOUN
cblr-14250	334	16	;	;	PUNCT
cblr-14250	334	17	the	the	DET
cblr-14250	334	18	banks	bank	NOUN
cblr-14250	334	19	of	of	ADP
cblr-14250	334	20	the	the	DET
cblr-14250	334	21	united	united	PROPN
cblr-14250	334	22	states	states	PROPN
cblr-14250	334	23	sought	seek	VERB
cblr-14250	334	24	to	to	PART
cblr-14250	334	25	ensure	ensure	VERB
cblr-14250	334	26	that	that	SCONJ
cblr-14250	334	27	the	the	DET
cblr-14250	334	28	state	state	NOUN
cblr-14250	334	29	-	-	PUNCT
cblr-14250	334	30	chartered	charter	VERB
cblr-14250	334	31	banks	bank	NOUN
cblr-14250	334	32	they	they	PRON
cblr-14250	334	33	did	do	VERB
cblr-14250	334	34	business	business	NOUN
cblr-14250	334	35	with	with	ADP
cblr-14250	334	36	could	could	AUX
cblr-14250	334	37	do	do	VERB
cblr-14250	334	38	that	that	DET
cblr-14250	334	39	business	business	NOUN
cblr-14250	334	40	well	well	ADV
cblr-14250	334	41	.	.	PUNCT
cblr-14250	335	1	counterparty	counterparty	NOUN
cblr-14250	335	2	risk	risk	NOUN
cblr-14250	335	3	management	management	NOUN
cblr-14250	335	4	thus	thus	ADV
cblr-14250	335	5	became	become	VERB
cblr-14250	335	6	an	an	DET
cblr-14250	335	7	important	important	ADJ
cblr-14250	335	8	factor	factor	NOUN
cblr-14250	335	9	in	in	ADP
cblr-14250	335	10	the	the	DET
cblr-14250	335	11	development	development	NOUN
cblr-14250	335	12	of	of	ADP
cblr-14250	335	13	early	early	ADJ
cblr-14250	335	14	american	american	ADJ
cblr-14250	335	15	supervision	supervision	NOUN
cblr-14250	335	16	,	,	PUNCT
cblr-14250	335	17	and	and	CCONJ
cblr-14250	335	18	this	this	DET
cblr-14250	335	19	process	process	NOUN
cblr-14250	335	20	essentially	essentially	ADV
cblr-14250	335	21	took	take	VERB
cblr-14250	335	22	place	place	NOUN
cblr-14250	335	23	in	in	ADP
cblr-14250	335	24	the	the	DET
cblr-14250	335	25	market	market	NOUN
cblr-14250	335	26	.	.	PUNCT
cblr-14250	336	1	as	as	SCONJ
cblr-14250	336	2	any	any	DET
cblr-14250	336	3	noteholder	noteholder	NOUN
cblr-14250	336	4	could	could	AUX
cblr-14250	336	5	present	present	VERB
cblr-14250	336	6	notes	note	NOUN
cblr-14250	336	7	for	for	ADP
cblr-14250	336	8	redemption	redemption	NOUN
cblr-14250	336	9	,	,	PUNCT
cblr-14250	336	10	bankers	banker	NOUN
cblr-14250	336	11	were	be	AUX
cblr-14250	336	12	encouraged	encourage	VERB
cblr-14250	336	13	to	to	PART
cblr-14250	336	14	issue	issue	VERB
cblr-14250	336	15	notes	note	NOUN
cblr-14250	336	16	with	with	ADP
cblr-14250	336	17	care	care	NOUN
cblr-14250	336	18	.	.	PUNCT
cblr-14250	337	1	the	the	DET
cblr-14250	337	2	banks	bank	NOUN
cblr-14250	337	3	of	of	ADP
cblr-14250	337	4	the	the	DET
cblr-14250	337	5	united	united	PROPN
cblr-14250	337	6	states	states	PROPN
cblr-14250	337	7	,	,	PUNCT
cblr-14250	337	8	as	as	ADP
cblr-14250	337	9	the	the	DET
cblr-14250	337	10	largest	large	ADJ
cblr-14250	337	11	financial	financial	ADJ
cblr-14250	337	12	institutions	institution	NOUN
cblr-14250	337	13	,	,	PUNCT
cblr-14250	337	14	could	could	AUX
cblr-14250	337	15	collect	collect	VERB
cblr-14250	337	16	,	,	PUNCT
cblr-14250	337	17	consolidate	consolidate	ADJ
cblr-14250	337	18	,	,	PUNCT
cblr-14250	337	19	and	and	CCONJ
cblr-14250	337	20	compel	compel	VERB
cblr-14250	337	21	repayment	repayment	NOUN
cblr-14250	337	22	at	at	ADP
cblr-14250	337	23	scale	scale	NOUN
cblr-14250	337	24	,	,	PUNCT
cblr-14250	337	25	turning	turn	VERB
cblr-14250	337	26	the	the	DET
cblr-14250	337	27	possibility	possibility	NOUN
cblr-14250	337	28	of	of	ADP
cblr-14250	337	29	redemption	redemption	NOUN
cblr-14250	337	30	into	into	ADP
cblr-14250	337	31	a	a	DET
cblr-14250	337	32	promise	promise	NOUN
cblr-14250	337	33	that	that	PRON
cblr-14250	337	34	kept	keep	VERB
cblr-14250	337	35	state	state	NOUN
cblr-14250	337	36	bankers	banker	NOUN
cblr-14250	337	37	in	in	ADP
cblr-14250	337	38	line.55	line.55	PROPN
cblr-14250	337	39	this	this	PRON
cblr-14250	337	40	was	be	AUX
cblr-14250	337	41	a	a	DET
cblr-14250	337	42	decisive	decisive	ADJ
cblr-14250	337	43	—	—	PUNCT
cblr-14250	337	44	and	and	CCONJ
cblr-14250	337	45	to	to	ADP
cblr-14250	337	46	some	some	DET
cblr-14250	337	47	,	,	PUNCT
cblr-14250	337	48	monstrous	monstrous	ADJ
cblr-14250	337	49	—	—	PUNCT
cblr-14250	337	50	power	power	NOUN
cblr-14250	337	51	,	,	PUNCT
cblr-14250	337	52	made	make	VERB
cblr-14250	337	53	even	even	ADV
cblr-14250	337	54	more	more	ADV
cblr-14250	337	55	powerful	powerful	ADJ
cblr-14250	337	56	because	because	SCONJ
cblr-14250	337	57	the	the	DET
cblr-14250	337	58	core	core	NOUN
cblr-14250	337	59	risk	risk	NOUN
cblr-14250	337	60	management	management	NOUN
cblr-14250	337	61	buffer	buffer	NOUN
cblr-14250	337	62	undergirding	undergird	VERB
cblr-14250	337	63	the	the	DET
cblr-14250	337	64	banking	banking	NOUN
cblr-14250	337	65	system	system	NOUN
cblr-14250	337	66	was	be	AUX
cblr-14250	337	67	the	the	DET
cblr-14250	337	68	private	private	ADJ
cblr-14250	337	69	,	,	PUNCT
cblr-14250	337	70	personal	personal	ADJ
cblr-14250	337	71	liability	liability	NOUN
cblr-14250	337	72	of	of	ADP
cblr-14250	337	73	bank	bank	NOUN
cblr-14250	337	74	shareholders	shareholder	NOUN
cblr-14250	337	75	.	.	PUNCT
cblr-14250	338	1	personal	personal	ADJ
cblr-14250	338	2	liability	liability	NOUN
cblr-14250	338	3	encouraged	encourage	VERB
cblr-14250	338	4	bankers	banker	NOUN
cblr-14250	338	5	to	to	PART
cblr-14250	338	6	practice	practice	VERB
cblr-14250	338	7	sound	sound	ADJ
cblr-14250	338	8	banking	banking	NOUN
cblr-14250	338	9	,	,	PUNCT
cblr-14250	338	10	for	for	SCONJ
cblr-14250	338	11	if	if	SCONJ
cblr-14250	338	12	they	they	PRON
cblr-14250	338	13	did	do	VERB
cblr-14250	338	14	not	not	PART
cblr-14250	338	15	,	,	PUNCT
cblr-14250	338	16	they	they	PRON
cblr-14250	338	17	would	would	AUX
cblr-14250	338	18	be	be	AUX
cblr-14250	338	19	ruined.56	ruined.56	VERB
cblr-14250	338	20	the	the	DET
cblr-14250	338	21	capacity	capacity	NOUN
cblr-14250	338	22	of	of	ADP
cblr-14250	338	23	the	the	DET
cblr-14250	338	24	banks	bank	NOUN
cblr-14250	338	25	of	of	ADP
cblr-14250	338	26	the	the	DET
cblr-14250	338	27	united	united	PROPN
cblr-14250	338	28	states	states	PROPN
cblr-14250	338	29	to	to	PART
cblr-14250	338	30	issue	issue	VERB
cblr-14250	338	31	sound	sound	ADJ
cblr-14250	338	32	notes	note	NOUN
cblr-14250	338	33	,	,	PUNCT
cblr-14250	338	34	overseen	oversee	VERB
cblr-14250	338	35	by	by	ADP
cblr-14250	338	36	the	the	DET
cblr-14250	338	37	federal	federal	ADJ
cblr-14250	338	38	government	government	NOUN
cblr-14250	338	39	,	,	PUNCT
cblr-14250	338	40	and	and	CCONJ
cblr-14250	338	41	the	the	DET
cblr-14250	338	42	banks	bank	NOUN
cblr-14250	338	43	’	’	PART
cblr-14250	338	44	capacity	capacity	NOUN
cblr-14250	338	45	to	to	PART
cblr-14250	338	46	enforce	enforce	VERB
cblr-14250	338	47	soundness	soundness	NOUN
cblr-14250	338	48	among	among	ADP
cblr-14250	338	49	state	state	NOUN
cblr-14250	338	50	-	-	PUNCT
cblr-14250	338	51	bank	bank	NOUN
cblr-14250	338	52	counterparties	counterpartie	NOUN
cblr-14250	338	53	,	,	PUNCT
cblr-14250	338	54	reflect	reflect	VERB
cblr-14250	338	55	the	the	DET
cblr-14250	338	56	essence	essence	NOUN
cblr-14250	338	57	of	of	ADP
cblr-14250	338	58	the	the	DET
cblr-14250	338	59	view	view	NOUN
cblr-14250	338	60	that	that	SCONJ
cblr-14250	338	61	supervision	supervision	NOUN
cblr-14250	338	62	existed	exist	VERB
cblr-14250	338	63	to	to	PART
cblr-14250	338	64	ensure	ensure	VERB
cblr-14250	338	65	the	the	DET
cblr-14250	338	66	soundness	soundness	NOUN
cblr-14250	338	67	of	of	ADP
cblr-14250	338	68	money	money	NOUN
cblr-14250	339	1	that	that	PRON
cblr-14250	339	2	54	54	NUM
cblr-14250	339	3	u.s	u.s	PROPN
cblr-14250	339	4	.	.	PROPN
cblr-14250	339	5	const	const	PROPN
cblr-14250	339	6	.	.	PUNCT
cblr-14250	339	7	art	art	NOUN
cblr-14250	339	8	.	.	PUNCT
cblr-14250	340	1	1	1	NUM
cblr-14250	340	2	,	,	PUNCT
cblr-14250	340	3	§	§	NOUN
cblr-14250	340	4	8	8	NUM
cblr-14250	340	5	,	,	PUNCT
cblr-14250	340	6	cl	cl	NOUN
cblr-14250	340	7	.	.	NOUN
cblr-14250	340	8	5	5	NUM
cblr-14250	340	9	.	.	X
cblr-14250	340	10	55	55	NUM
cblr-14250	340	11	see	see	VERB
cblr-14250	340	12	bray	bray	PROPN
cblr-14250	340	13	hammond	hammond	PROPN
cblr-14250	340	14	,	,	PUNCT
cblr-14250	340	15	banks	bank	NOUN
cblr-14250	340	16	and	and	CCONJ
cblr-14250	340	17	politics	politic	NOUN
cblr-14250	340	18	in	in	ADP
cblr-14250	340	19	america	america	PROPN
cblr-14250	340	20	from	from	ADP
cblr-14250	340	21	revolution	revolution	NOUN
cblr-14250	340	22	to	to	ADP
cblr-14250	340	23	the	the	DET
cblr-14250	340	24	civil	civil	ADJ
cblr-14250	340	25	war	war	NOUN
cblr-14250	340	26	(	(	PUNCT
cblr-14250	340	27	1957	1957	NUM
cblr-14250	340	28	)	)	PUNCT
cblr-14250	340	29	;	;	PUNCT
cblr-14250	340	30	james	james	PROPN
cblr-14250	340	31	willard	willard	PROPN
cblr-14250	340	32	hurst	hurst	PROPN
cblr-14250	340	33	,	,	PUNCT
cblr-14250	340	34	a	a	DET
cblr-14250	340	35	legal	legal	ADJ
cblr-14250	340	36	history	history	NOUN
cblr-14250	340	37	of	of	ADP
cblr-14250	340	38	money	money	NOUN
cblr-14250	340	39	in	in	ADP
cblr-14250	340	40	the	the	DET
cblr-14250	340	41	united	united	PROPN
cblr-14250	340	42	states	states	PROPN
cblr-14250	340	43	1774–1970	1774–1970	NUM
cblr-14250	340	44	,	,	PUNCT
cblr-14250	340	45	at	at	ADP
cblr-14250	340	46	151–72	151–72	PROPN
cblr-14250	340	47	(	(	PUNCT
cblr-14250	340	48	1973	1973	NUM
cblr-14250	340	49	)	)	PUNCT
cblr-14250	340	50	;	;	PUNCT
cblr-14250	340	51	jane	jane	PROPN
cblr-14250	340	52	knodell	knodell	PROPN
cblr-14250	340	53	,	,	PUNCT
cblr-14250	340	54	the	the	DET
cblr-14250	340	55	second	second	ADJ
cblr-14250	340	56	bank	bank	NOUN
cblr-14250	340	57	of	of	ADP
cblr-14250	340	58	the	the	DET
cblr-14250	340	59	united	united	PROPN
cblr-14250	340	60	states	states	PROPN
cblr-14250	340	61	:	:	PUNCT
cblr-14250	340	62	central	central	ADJ
cblr-14250	340	63	banker	banker	NOUN
cblr-14250	340	64	in	in	ADP
cblr-14250	340	65	an	an	DET
cblr-14250	340	66	era	era	NOUN
cblr-14250	340	67	of	of	ADP
cblr-14250	340	68	nationbuilding	nationbuilde	VERB
cblr-14250	340	69	,	,	PUNCT
cblr-14250	340	70	1816–1836	1816–1836	NUM
cblr-14250	340	71	(	(	PUNCT
cblr-14250	340	72	2017	2017	NUM
cblr-14250	340	73	)	)	PUNCT
cblr-14250	340	74	.	.	PUNCT
cblr-14250	341	1	56	56	NUM
cblr-14250	341	2	see	see	VERB
cblr-14250	341	3	kris	kris	PROPN
cblr-14250	341	4	mitchener	mitchener	PROPN
cblr-14250	341	5	&	&	CCONJ
cblr-14250	341	6	matthew	matthew	PROPN
cblr-14250	341	7	jaremski	jaremski	PROPN
cblr-14250	341	8	,	,	PUNCT
cblr-14250	341	9	the	the	DET
cblr-14250	341	10	evolution	evolution	NOUN
cblr-14250	341	11	of	of	ADP
cblr-14250	341	12	bank	bank	NOUN
cblr-14250	341	13	supervisory	supervisory	ADJ
cblr-14250	341	14	institutions	institution	NOUN
cblr-14250	341	15	:	:	PUNCT
cblr-14250	341	16	evidence	evidence	NOUN
cblr-14250	341	17	from	from	ADP
cblr-14250	341	18	american	american	ADJ
cblr-14250	341	19	states	state	NOUN
cblr-14250	341	20	,	,	PUNCT
cblr-14250	341	21	75	75	NUM
cblr-14250	341	22	j.	j.	PROPN
cblr-14250	341	23	econ	econ	PROPN
cblr-14250	341	24	.	.	PUNCT
cblr-14250	342	1	hist	hist	PROPN
cblr-14250	342	2	.	.	PROPN
cblr-14250	343	1	819	819	NUM
cblr-14250	343	2	,	,	PUNCT
cblr-14250	343	3	828	828	NUM
cblr-14250	343	4	(	(	PUNCT
cblr-14250	343	5	2015	2015	NUM
cblr-14250	343	6	)	)	PUNCT
cblr-14250	343	7	.	.	PUNCT
cblr-14250	344	1	no	no	INTJ
cblr-14250	344	2	.	.	NOUN
cblr-14250	344	3	1	1	NUM
cblr-14250	344	4	]	]	PUNCT
cblr-14250	344	5	risk	risk	NOUN
cblr-14250	344	6	,	,	PUNCT
cblr-14250	344	7	discretion	discretion	NOUN
cblr-14250	344	8	,	,	PUNCT
cblr-14250	344	9	and	and	CCONJ
cblr-14250	344	10	bank	bank	NOUN
cblr-14250	344	11	supervision	supervision	NOUN
cblr-14250	344	12	159	159	NUM
cblr-14250	344	13	we	we	PRON
cblr-14250	344	14	call	call	VERB
cblr-14250	344	15	the	the	DET
cblr-14250	344	16	“	"	PUNCT
cblr-14250	344	17	currency	currency	NOUN
cblr-14250	344	18	view	view	NOUN
cblr-14250	344	19	”	"	PUNCT
cblr-14250	344	20	of	of	ADP
cblr-14250	344	21	bank	bank	NOUN
cblr-14250	344	22	supervision	supervision	NOUN
cblr-14250	344	23	.	.	PUNCT
cblr-14250	345	1	the	the	DET
cblr-14250	345	2	currency	currency	NOUN
cblr-14250	345	3	view	view	NOUN
cblr-14250	345	4	has	have	VERB
cblr-14250	345	5	important	important	ADJ
cblr-14250	345	6	antecedents	antecedent	NOUN
cblr-14250	345	7	in	in	ADP
cblr-14250	345	8	nineteenth	nineteenth	ADJ
cblr-14250	345	9	-	-	PUNCT
cblr-14250	345	10	century	century	NOUN
cblr-14250	345	11	currency	currency	NOUN
cblr-14250	345	12	debates	debate	NOUN
cblr-14250	345	13	,	,	PUNCT
cblr-14250	345	14	such	such	ADJ
cblr-14250	345	15	as	as	ADP
cblr-14250	345	16	in	in	ADP
cblr-14250	345	17	the	the	DET
cblr-14250	345	18	1820s–1840s	1820s–1840s	NUM
cblr-14250	345	19	united	united	ADJ
cblr-14250	345	20	kingdom,57	kingdom,57	NOUN
cblr-14250	345	21	and	and	CCONJ
cblr-14250	345	22	continues	continue	VERB
cblr-14250	345	23	to	to	PART
cblr-14250	345	24	resonate	resonate	VERB
cblr-14250	345	25	today.58	today.58	PROPN
cblr-14250	345	26	under	under	ADP
cblr-14250	345	27	this	this	DET
cblr-14250	345	28	view	view	NOUN
cblr-14250	345	29	,	,	PUNCT
cblr-14250	345	30	bank	bank	NOUN
cblr-14250	345	31	examination	examination	NOUN
cblr-14250	345	32	and	and	CCONJ
cblr-14250	345	33	supervision	supervision	NOUN
cblr-14250	345	34	is	be	AUX
cblr-14250	345	35	not	not	PART
cblr-14250	345	36	about	about	ADP
cblr-14250	345	37	exercising	exercise	VERB
cblr-14250	345	38	the	the	DET
cblr-14250	345	39	sovereign	sovereign	NOUN
cblr-14250	345	40	’s	’s	PART
cblr-14250	345	41	right	right	NOUN
cblr-14250	345	42	as	as	ADP
cblr-14250	345	43	the	the	DET
cblr-14250	345	44	chartering	chartering	NOUN
cblr-14250	345	45	authority	authority	NOUN
cblr-14250	345	46	.	.	PUNCT
cblr-14250	346	1	while	while	SCONJ
cblr-14250	346	2	visitorial	visitorial	ADJ
cblr-14250	346	3	power	power	NOUN
cblr-14250	346	4	is	be	AUX
cblr-14250	346	5	certainly	certainly	ADV
cblr-14250	346	6	core	core	ADJ
cblr-14250	346	7	to	to	ADP
cblr-14250	346	8	the	the	DET
cblr-14250	346	9	legal	legal	ADJ
cblr-14250	346	10	justification	justification	NOUN
cblr-14250	346	11	for	for	ADP
cblr-14250	346	12	government	government	NOUN
cblr-14250	346	13	oversight	oversight	NOUN
cblr-14250	346	14	,	,	PUNCT
cblr-14250	346	15	supervision	supervision	NOUN
cblr-14250	346	16	serves	serve	VERB
cblr-14250	346	17	another	another	DET
cblr-14250	346	18	critical	critical	ADJ
cblr-14250	346	19	function	function	NOUN
cblr-14250	346	20	:	:	PUNCT
cblr-14250	346	21	ensuring	ensure	VERB
cblr-14250	346	22	the	the	DET
cblr-14250	346	23	soundness	soundness	NOUN
cblr-14250	346	24	of	of	ADP
cblr-14250	346	25	currency	currency	NOUN
cblr-14250	346	26	,	,	PUNCT
cblr-14250	346	27	which	which	PRON
cblr-14250	346	28	,	,	PUNCT
cblr-14250	346	29	for	for	ADP
cblr-14250	346	30	contemporaries	contemporary	NOUN
cblr-14250	346	31	meant	mean	VERB
cblr-14250	346	32	assuring	assure	VERB
cblr-14250	346	33	that	that	SCONJ
cblr-14250	346	34	bank	bank	NOUN
cblr-14250	346	35	notes	note	NOUN
cblr-14250	346	36	could	could	AUX
cblr-14250	346	37	be	be	AUX
cblr-14250	346	38	converted	convert	VERB
cblr-14250	346	39	into	into	ADP
cblr-14250	346	40	specie.59	specie.59	PROPN
cblr-14250	346	41	andrew	andrew	PROPN
cblr-14250	346	42	jackson	jackson	PROPN
cblr-14250	346	43	’s	’s	PART
cblr-14250	346	44	veto	veto	NOUN
cblr-14250	346	45	of	of	ADP
cblr-14250	346	46	the	the	DET
cblr-14250	346	47	second	second	ADJ
cblr-14250	346	48	bank	bank	NOUN
cblr-14250	346	49	’s	’s	PART
cblr-14250	346	50	recharter	recharter	NOUN
cblr-14250	346	51	in	in	ADP
cblr-14250	346	52	july	july	PROPN
cblr-14250	346	53	1832	1832	NUM
cblr-14250	346	54	eliminated	eliminate	VERB
cblr-14250	346	55	a	a	DET
cblr-14250	346	56	centralized	centralized	ADJ
cblr-14250	346	57	institution	institution	NOUN
cblr-14250	346	58	of	of	ADP
cblr-14250	346	59	currency	currency	NOUN
cblr-14250	346	60	quality	quality	NOUN
cblr-14250	346	61	control	control	NOUN
cblr-14250	346	62	,	,	PUNCT
cblr-14250	346	63	but	but	CCONJ
cblr-14250	346	64	the	the	DET
cblr-14250	346	65	currency	currency	NOUN
cblr-14250	346	66	view	view	NOUN
cblr-14250	346	67	endured	endure	VERB
cblr-14250	346	68	,	,	PUNCT
cblr-14250	346	69	albeit	albeit	SCONJ
cblr-14250	346	70	through	through	ADP
cblr-14250	346	71	metamorphosis.60	metamorphosis.60	PROPN
cblr-14250	346	72	almost	almost	ADV
cblr-14250	346	73	immediately	immediately	ADV
cblr-14250	346	74	,	,	PUNCT
cblr-14250	346	75	the	the	DET
cblr-14250	346	76	states	state	NOUN
cblr-14250	346	77	—	—	PUNCT
cblr-14250	346	78	already	already	ADV
cblr-14250	346	79	active	active	ADJ
cblr-14250	346	80	in	in	ADP
cblr-14250	346	81	creating	create	VERB
cblr-14250	346	82	banking	banking	NOUN
cblr-14250	346	83	institutions	institution	NOUN
cblr-14250	346	84	of	of	ADP
cblr-14250	346	85	various	various	ADJ
cblr-14250	346	86	types	type	NOUN
cblr-14250	346	87	—	—	PUNCT
cblr-14250	346	88	stepped	step	VERB
cblr-14250	346	89	into	into	ADP
cblr-14250	346	90	the	the	DET
cblr-14250	346	91	breach	breach	NOUN
cblr-14250	346	92	.	.	PUNCT
cblr-14250	347	1	the	the	DET
cblr-14250	347	2	so	so	ADV
cblr-14250	347	3	-	-	PUNCT
cblr-14250	347	4	called	call	VERB
cblr-14250	347	5	free	free	ADJ
cblr-14250	347	6	-	-	PUNCT
cblr-14250	347	7	banking	banking	NOUN
cblr-14250	347	8	era	era	NOUN
cblr-14250	347	9	descended	descend	VERB
cblr-14250	347	10	upon	upon	SCONJ
cblr-14250	347	11	the	the	DET
cblr-14250	347	12	united	united	PROPN
cblr-14250	347	13	states	states	PROPN
cblr-14250	347	14	:	:	PUNCT
cblr-14250	347	15	legislative	legislative	ADJ
cblr-14250	347	16	enactments	enactment	NOUN
cblr-14250	347	17	no	no	ADV
cblr-14250	347	18	longer	long	ADV
cblr-14250	347	19	initiated	initiate	VERB
cblr-14250	347	20	a	a	DET
cblr-14250	347	21	bank	bank	NOUN
cblr-14250	347	22	charter	charter	NOUN
cblr-14250	347	23	;	;	PUNCT
cblr-14250	347	24	rather	rather	ADV
cblr-14250	347	25	,	,	PUNCT
cblr-14250	347	26	states	state	NOUN
cblr-14250	347	27	adopted	adopt	VERB
cblr-14250	347	28	more	more	ADV
cblr-14250	347	29	permissive	permissive	ADJ
cblr-14250	347	30	chartering	chartering	NOUN
cblr-14250	347	31	standards.61	standards.61	NOUN
cblr-14250	347	32	the	the	DET
cblr-14250	347	33	free	free	ADJ
cblr-14250	347	34	-	-	PUNCT
cblr-14250	347	35	banking	banking	NOUN
cblr-14250	347	36	era	era	NOUN
cblr-14250	347	37	did	do	AUX
cblr-14250	347	38	not	not	PART
cblr-14250	347	39	introduce	introduce	VERB
cblr-14250	347	40	an	an	DET
cblr-14250	347	41	era	era	NOUN
cblr-14250	347	42	free	free	ADJ
cblr-14250	347	43	of	of	ADP
cblr-14250	347	44	supervision	supervision	NOUN
cblr-14250	347	45	,	,	PUNCT
cblr-14250	347	46	however	however	ADV
cblr-14250	347	47	,	,	PUNCT
cblr-14250	347	48	but	but	CCONJ
cblr-14250	347	49	the	the	DET
cblr-14250	347	50	more	more	ADV
cblr-14250	347	51	self	self	NOUN
cblr-14250	347	52	-	-	PUNCT
cblr-14250	347	53	conscious	conscious	ADJ
cblr-14250	347	54	combination	combination	NOUN
cblr-14250	347	55	of	of	ADP
cblr-14250	347	56	visitorial	visitorial	ADJ
cblr-14250	347	57	and	and	CCONJ
cblr-14250	347	58	currency	currency	NOUN
cblr-14250	347	59	approaches	approach	NOUN
cblr-14250	347	60	to	to	PART
cblr-14250	347	61	supervision.62	supervision.62	VERB
cblr-14250	347	62	the	the	DET
cblr-14250	347	63	institution	institution	NOUN
cblr-14250	347	64	of	of	ADP
cblr-14250	347	65	the	the	DET
cblr-14250	347	66	“	"	PUNCT
cblr-14250	347	67	bank	bank	NOUN
cblr-14250	347	68	57	57	NUM
cblr-14250	347	69	see	see	NOUN
cblr-14250	347	70	anna	anna	PROPN
cblr-14250	347	71	schwartz	schwartz	PROPN
cblr-14250	347	72	,	,	PUNCT
cblr-14250	347	73	banking	banking	NOUN
cblr-14250	347	74	school	school	NOUN
cblr-14250	347	75	,	,	PUNCT
cblr-14250	347	76	currency	currency	NOUN
cblr-14250	347	77	school	school	NOUN
cblr-14250	347	78	,	,	PUNCT
cblr-14250	347	79	free	free	ADJ
cblr-14250	347	80	banking	banking	NOUN
cblr-14250	347	81	school	school	NOUN
cblr-14250	347	82	,	,	PUNCT
cblr-14250	347	83	in	in	ADP
cblr-14250	347	84	money	money	NOUN
cblr-14250	347	85	41	41	NUM
cblr-14250	347	86	(	(	PUNCT
cblr-14250	347	87	j.	j.	PROPN
cblr-14250	347	88	eatwell	eatwell	PROPN
cblr-14250	347	89	et	et	PROPN
cblr-14250	347	90	.	.	PUNCT
cblr-14250	348	1	al	al	PROPN
cblr-14250	348	2	.	.	PUNCT
cblr-14250	349	1	eds	eds	PROPN
cblr-14250	349	2	.	.	PROPN
cblr-14250	349	3	1989	1989	NUM
cblr-14250	349	4	)	)	PUNCT
cblr-14250	349	5	;	;	PUNCT
cblr-14250	349	6	charles	charles	PROPN
cblr-14250	349	7	goodhart	goodhart	PROPN
cblr-14250	349	8	&	&	CCONJ
cblr-14250	349	9	meinhard	meinhard	PROPN
cblr-14250	349	10	jensen	jensen	PROPN
cblr-14250	349	11	,	,	PUNCT
cblr-14250	349	12	currency	currency	NOUN
cblr-14250	349	13	school	school	NOUN
cblr-14250	349	14	versus	versus	ADP
cblr-14250	349	15	banking	banking	NOUN
cblr-14250	349	16	school	school	NOUN
cblr-14250	349	17	:	:	PUNCT
cblr-14250	349	18	an	an	DET
cblr-14250	349	19	ongoing	ongoing	ADJ
cblr-14250	349	20	confrontation	confrontation	NOUN
cblr-14250	349	21	,	,	PUNCT
cblr-14250	349	22	4	4	NUM
cblr-14250	349	23	econ	econ	X
cblr-14250	349	24	.	.	PUNCT
cblr-14250	349	25	thought	think	VERB
cblr-14250	349	26	20	20	NUM
cblr-14250	349	27	(	(	PUNCT
cblr-14250	349	28	2015	2015	NUM
cblr-14250	349	29	)	)	PUNCT
cblr-14250	349	30	.	.	PUNCT
cblr-14250	350	1	58	58	NUM
cblr-14250	350	2	see	see	VERB
cblr-14250	350	3	menand	menand	NOUN
cblr-14250	350	4	,	,	PUNCT
cblr-14250	350	5	why	why	SCONJ
cblr-14250	350	6	supervise	supervise	VERB
cblr-14250	350	7	banks	bank	NOUN
cblr-14250	350	8	,	,	PUNCT
cblr-14250	350	9	supra	supra	PROPN
cblr-14250	350	10	note	note	PROPN
cblr-14250	350	11	7	7	NUM
cblr-14250	350	12	;	;	PUNCT
cblr-14250	350	13	menand	menand	X
cblr-14250	350	14	,	,	PUNCT
cblr-14250	350	15	logic	logic	NOUN
cblr-14250	350	16	and	and	CCONJ
cblr-14250	350	17	limits	limit	NOUN
cblr-14250	350	18	,	,	PUNCT
cblr-14250	350	19	supra	supra	PROPN
cblr-14250	350	20	note	note	NOUN
cblr-14250	350	21	7	7	NUM
cblr-14250	350	22	.	.	SYM
cblr-14250	350	23	59	59	NUM
cblr-14250	350	24	arthur	arthur	PROPN
cblr-14250	350	25	j.	j.	PROPN
cblr-14250	350	26	rolnick	rolnick	PROPN
cblr-14250	350	27	,	,	PUNCT
cblr-14250	350	28	bruce	bruce	PROPN
cblr-14250	350	29	d.	d.	PROPN
cblr-14250	350	30	smith	smith	PROPN
cblr-14250	350	31	&	&	CCONJ
cblr-14250	350	32	warren	warren	PROPN
cblr-14250	350	33	e.	e.	PROPN
cblr-14250	350	34	weber	weber	PROPN
cblr-14250	350	35	,	,	PUNCT
cblr-14250	350	36	establishing	establish	VERB
cblr-14250	350	37	a	a	DET
cblr-14250	350	38	monetary	monetary	ADJ
cblr-14250	350	39	union	union	NOUN
cblr-14250	350	40	in	in	ADP
cblr-14250	350	41	the	the	DET
cblr-14250	350	42	united	united	PROPN
cblr-14250	350	43	states	states	PROPN
cblr-14250	350	44	,	,	PUNCT
cblr-14250	350	45	in	in	ADP
cblr-14250	350	46	evolution	evolution	NOUN
cblr-14250	350	47	and	and	CCONJ
cblr-14250	350	48	procedures	procedure	NOUN
cblr-14250	350	49	in	in	ADP
cblr-14250	350	50	central	central	ADJ
cblr-14250	350	51	banking	banking	NOUN
cblr-14250	350	52	237–48	237–48	NUM
cblr-14250	350	53	(	(	PUNCT
cblr-14250	350	54	david	david	PROPN
cblr-14250	350	55	e.	e.	PROPN
cblr-14250	350	56	altig	altig	PROPN
cblr-14250	350	57	&	&	CCONJ
cblr-14250	350	58	bruce	bruce	PROPN
cblr-14250	350	59	d.	d.	PROPN
cblr-14250	350	60	smith	smith	PROPN
cblr-14250	350	61	eds	eds	PROPN
cblr-14250	350	62	.	.	PROPN
cblr-14250	350	63	,	,	PUNCT
cblr-14250	350	64	2003	2003	NUM
cblr-14250	350	65	)	)	PUNCT
cblr-14250	350	66	.	.	PUNCT
cblr-14250	351	1	60	60	NUM
cblr-14250	351	2	the	the	DET
cblr-14250	351	3	subsequent	subsequent	ADJ
cblr-14250	351	4	independent	independent	ADJ
cblr-14250	351	5	treasury	treasury	PROPN
cblr-14250	351	6	act	act	NOUN
cblr-14250	351	7	of	of	ADP
cblr-14250	351	8	1840	1840	NUM
cblr-14250	351	9	also	also	ADV
cblr-14250	351	10	eliminated	eliminate	VERB
cblr-14250	351	11	the	the	DET
cblr-14250	351	12	fiscal	fiscal	ADJ
cblr-14250	351	13	justification	justification	NOUN
cblr-14250	351	14	for	for	ADP
cblr-14250	351	15	bank	bank	NOUN
cblr-14250	351	16	oversight	oversight	NOUN
cblr-14250	351	17	by	by	ADP
cblr-14250	351	18	preventing	prevent	VERB
cblr-14250	351	19	the	the	DET
cblr-14250	351	20	treasury	treasury	NOUN
cblr-14250	351	21	from	from	ADP
cblr-14250	351	22	depositing	deposit	VERB
cblr-14250	351	23	federal	federal	ADJ
cblr-14250	351	24	money	money	NOUN
cblr-14250	351	25	in	in	ADP
cblr-14250	351	26	banks	bank	NOUN
cblr-14250	351	27	.	.	PUNCT
cblr-14250	352	1	when	when	SCONJ
cblr-14250	352	2	these	these	DET
cblr-14250	352	3	provisions	provision	NOUN
cblr-14250	352	4	were	be	AUX
cblr-14250	352	5	eased	ease	VERB
cblr-14250	352	6	under	under	ADP
cblr-14250	352	7	the	the	DET
cblr-14250	352	8	national	national	ADJ
cblr-14250	352	9	banking	banking	NOUN
cblr-14250	352	10	acts	act	NOUN
cblr-14250	352	11	,	,	PUNCT
cblr-14250	352	12	fiscal	fiscal	ADJ
cblr-14250	352	13	supervision	supervision	NOUN
cblr-14250	352	14	remained	remain	VERB
cblr-14250	352	15	with	with	ADP
cblr-14250	352	16	the	the	DET
cblr-14250	352	17	treasury	treasury	NOUN
cblr-14250	352	18	,	,	PUNCT
cblr-14250	352	19	distinct	distinct	ADJ
cblr-14250	352	20	from	from	ADP
cblr-14250	352	21	the	the	DET
cblr-14250	352	22	work	work	NOUN
cblr-14250	352	23	of	of	ADP
cblr-14250	352	24	the	the	DET
cblr-14250	352	25	comptroller	comptroller	NOUN
cblr-14250	352	26	and	and	CCONJ
cblr-14250	352	27	successor	successor	NOUN
cblr-14250	352	28	institutions	institution	NOUN
cblr-14250	352	29	.	.	PUNCT
cblr-14250	353	1	61	61	NUM
cblr-14250	353	2	see	see	VERB
cblr-14250	353	3	hammond	hammond	NOUN
cblr-14250	353	4	,	,	PUNCT
cblr-14250	353	5	supra	supra	PROPN
cblr-14250	353	6	note	note	NOUN
cblr-14250	353	7	55	55	NUM
cblr-14250	353	8	,	,	PUNCT
cblr-14250	353	9	at	at	ADP
cblr-14250	353	10	572–604	572–604	NUM
cblr-14250	353	11	.	.	PUNCT
cblr-14250	354	1	62	62	NUM
cblr-14250	354	2	see	see	VERB
cblr-14250	354	3	mitchener	mitchener	NOUN
cblr-14250	354	4	&	&	CCONJ
cblr-14250	354	5	jaremski	jaremski	PROPN
cblr-14250	354	6	,	,	PUNCT
cblr-14250	354	7	supra	supra	PROPN
cblr-14250	354	8	note	note	PROPN
cblr-14250	354	9	56	56	NUM
cblr-14250	354	10	,	,	PUNCT
cblr-14250	354	11	at	at	ADP
cblr-14250	354	12	826	826	NUM
cblr-14250	354	13	.	.	PUNCT
cblr-14250	354	14	160	160	NUM
cblr-14250	354	15	columbia	columbia	PROPN
cblr-14250	354	16	business	business	NOUN
cblr-14250	354	17	law	law	PROPN
cblr-14250	354	18	review	review	NOUN
cblr-14250	354	19	[	[	X
cblr-14250	354	20	vol	vol	NOUN
cblr-14250	354	21	.	.	PUNCT
cblr-14250	354	22	2025	2025	NUM
cblr-14250	354	23	examiner”—an	examiner”—an	ADJ
cblr-14250	354	24	individual	individual	NOUN
cblr-14250	354	25	employed	employ	VERB
cblr-14250	354	26	by	by	ADP
cblr-14250	354	27	the	the	DET
cblr-14250	354	28	chartering	chartering	NOUN
cblr-14250	354	29	authority	authority	NOUN
cblr-14250	354	30	to	to	PART
cblr-14250	354	31	investigate	investigate	VERB
cblr-14250	354	32	banker	banker	NOUN
cblr-14250	354	33	behavior	behavior	NOUN
cblr-14250	354	34	—	—	PUNCT
cblr-14250	354	35	arose	arise	VERB
cblr-14250	354	36	roughly	roughly	ADV
cblr-14250	354	37	during	during	ADP
cblr-14250	354	38	this	this	DET
cblr-14250	354	39	period	period	NOUN
cblr-14250	354	40	.	.	PUNCT
cblr-14250	355	1	so	so	ADV
cblr-14250	355	2	too	too	ADV
cblr-14250	355	3	did	do	VERB
cblr-14250	355	4	other	other	ADJ
cblr-14250	355	5	important	important	ADJ
cblr-14250	355	6	parts	part	NOUN
cblr-14250	355	7	of	of	ADP
cblr-14250	355	8	the	the	DET
cblr-14250	355	9	supervisory	supervisory	ADJ
cblr-14250	355	10	footprint	footprint	NOUN
cblr-14250	355	11	,	,	PUNCT
cblr-14250	355	12	including	include	VERB
cblr-14250	355	13	the	the	DET
cblr-14250	355	14	authority	authority	NOUN
cblr-14250	355	15	by	by	ADP
cblr-14250	355	16	examiners	examiner	NOUN
cblr-14250	355	17	to	to	PART
cblr-14250	355	18	exercise	exercise	VERB
cblr-14250	355	19	discretion	discretion	NOUN
cblr-14250	355	20	in	in	ADP
cblr-14250	355	21	deeming	deem	VERB
cblr-14250	355	22	a	a	DET
cblr-14250	355	23	bank	bank	NOUN
cblr-14250	355	24	safe	safe	ADJ
cblr-14250	355	25	and	and	CCONJ
cblr-14250	355	26	sound	sound	ADJ
cblr-14250	355	27	,	,	PUNCT
cblr-14250	355	28	changes	change	NOUN
cblr-14250	355	29	in	in	ADP
cblr-14250	355	30	capital	capital	NOUN
cblr-14250	355	31	structure	structure	NOUN
cblr-14250	355	32	to	to	PART
cblr-14250	355	33	expose	expose	VERB
cblr-14250	355	34	shareholders	shareholder	NOUN
cblr-14250	355	35	to	to	ADP
cblr-14250	355	36	increased	increase	VERB
cblr-14250	355	37	liability	liability	NOUN
cblr-14250	355	38	,	,	PUNCT
cblr-14250	355	39	and	and	CCONJ
cblr-14250	355	40	other	other	ADJ
cblr-14250	355	41	such	such	ADJ
cblr-14250	355	42	innovations.63	innovations.63	PROPN
cblr-14250	355	43	states	state	NOUN
cblr-14250	355	44	also	also	ADV
cblr-14250	355	45	sought	seek	VERB
cblr-14250	355	46	alternatives	alternative	NOUN
cblr-14250	355	47	to	to	ADP
cblr-14250	355	48	the	the	DET
cblr-14250	355	49	private	private	ADJ
cblr-14250	355	50	risk	risk	NOUN
cblr-14250	355	51	buffer	buffer	NOUN
cblr-14250	355	52	of	of	ADP
cblr-14250	355	53	personal	personal	ADJ
cblr-14250	355	54	liability	liability	NOUN
cblr-14250	355	55	.	.	PUNCT
cblr-14250	356	1	some	some	DET
cblr-14250	356	2	developed	develop	VERB
cblr-14250	356	3	insurance	insurance	NOUN
cblr-14250	356	4	schemes	scheme	NOUN
cblr-14250	356	5	with	with	ADP
cblr-14250	356	6	either	either	CCONJ
cblr-14250	356	7	public	public	ADJ
cblr-14250	356	8	backing	backing	NOUN
cblr-14250	356	9	or	or	CCONJ
cblr-14250	356	10	mutual	mutual	ADJ
cblr-14250	356	11	,	,	PUNCT
cblr-14250	356	12	private	private	ADJ
cblr-14250	356	13	risk	risk	NOUN
cblr-14250	356	14	pooling	pooling	NOUN
cblr-14250	356	15	.	.	PUNCT
cblr-14250	357	1	others	other	NOUN
cblr-14250	357	2	required	require	VERB
cblr-14250	357	3	circulating	circulate	VERB
cblr-14250	357	4	notes	note	NOUN
cblr-14250	357	5	to	to	PART
cblr-14250	357	6	be	be	AUX
cblr-14250	357	7	backed	back	VERB
cblr-14250	357	8	by	by	ADP
cblr-14250	357	9	sound	sound	ADJ
cblr-14250	357	10	assets	asset	NOUN
cblr-14250	357	11	,	,	PUNCT
cblr-14250	357	12	layering	layer	VERB
cblr-14250	357	13	state	state	NOUN
cblr-14250	357	14	oversight	oversight	NOUN
cblr-14250	357	15	on	on	ADP
cblr-14250	357	16	top	top	NOUN
cblr-14250	357	17	of	of	ADP
cblr-14250	357	18	market	market	NOUN
cblr-14250	357	19	redemption.64	redemption.64	NOUN
cblr-14250	357	20	the	the	DET
cblr-14250	357	21	free	free	ADJ
cblr-14250	357	22	-	-	PUNCT
cblr-14250	357	23	banking	banking	NOUN
cblr-14250	357	24	era	era	NOUN
cblr-14250	357	25	must	must	AUX
cblr-14250	357	26	be	be	AUX
cblr-14250	357	27	one	one	NUM
cblr-14250	357	28	of	of	ADP
cblr-14250	357	29	the	the	DET
cblr-14250	357	30	most	most	ADV
cblr-14250	357	31	caricatured	caricatured	ADJ
cblr-14250	357	32	periods	period	NOUN
cblr-14250	357	33	in	in	ADP
cblr-14250	357	34	u.s	u.s	PROPN
cblr-14250	357	35	.	.	PROPN
cblr-14250	357	36	monetary	monetary	ADJ
cblr-14250	357	37	history	history	NOUN
cblr-14250	357	38	—	—	PUNCT
cblr-14250	357	39	known	know	VERB
cblr-14250	357	40	derisively	derisively	ADV
cblr-14250	357	41	for	for	ADP
cblr-14250	357	42	its	its	PRON
cblr-14250	357	43	“	"	PUNCT
cblr-14250	357	44	wildcat	wildcat	NOUN
cblr-14250	357	45	banks	bank	NOUN
cblr-14250	357	46	.	.	PUNCT
cblr-14250	358	1	”65	”65	PROPN
cblr-14250	358	2	one	one	NUM
cblr-14250	358	3	challenge	challenge	NOUN
cblr-14250	358	4	of	of	ADP
cblr-14250	358	5	the	the	DET
cblr-14250	358	6	era	era	NOUN
cblr-14250	358	7	arose	arise	VERB
cblr-14250	358	8	in	in	ADP
cblr-14250	358	9	stark	stark	ADJ
cblr-14250	358	10	relief	relief	NOUN
cblr-14250	358	11	during	during	ADP
cblr-14250	358	12	the	the	DET
cblr-14250	358	13	civil	civil	ADJ
cblr-14250	358	14	war	war	NOUN
cblr-14250	358	15	,	,	PUNCT
cblr-14250	358	16	when	when	SCONJ
cblr-14250	358	17	the	the	DET
cblr-14250	358	18	stress	stress	NOUN
cblr-14250	358	19	on	on	ADP
cblr-14250	358	20	an	an	DET
cblr-14250	358	21	exclusively	exclusively	ADV
cblr-14250	358	22	statebased	statebase	VERB
cblr-14250	358	23	monetary	monetary	ADJ
cblr-14250	358	24	system	system	NOUN
cblr-14250	358	25	,	,	PUNCT
cblr-14250	358	26	with	with	ADP
cblr-14250	358	27	the	the	DET
cblr-14250	358	28	varieties	variety	NOUN
cblr-14250	358	29	that	that	PRON
cblr-14250	358	30	such	such	ADJ
cblr-14250	358	31	federalist	federalist	ADJ
cblr-14250	358	32	experiments	experiment	NOUN
cblr-14250	358	33	invite	invite	VERB
cblr-14250	358	34	,	,	PUNCT
cblr-14250	358	35	met	meet	VERB
cblr-14250	358	36	the	the	DET
cblr-14250	358	37	federal	federal	ADJ
cblr-14250	358	38	government	government	NOUN
cblr-14250	358	39	’s	’s	PART
cblr-14250	358	40	capacity	capacity	NOUN
cblr-14250	358	41	for	for	ADP
cblr-14250	358	42	war	war	NOUN
cblr-14250	358	43	financing	financing	NOUN
cblr-14250	358	44	.	.	PUNCT
cblr-14250	359	1	this	this	PRON
cblr-14250	359	2	produced	produce	VERB
cblr-14250	359	3	a	a	DET
cblr-14250	359	4	monetary	monetary	ADJ
cblr-14250	359	5	crisis	crisis	NOUN
cblr-14250	359	6	.	.	PUNCT
cblr-14250	360	1	the	the	DET
cblr-14250	360	2	union	union	NOUN
cblr-14250	360	3	’s	’s	PART
cblr-14250	360	4	financial	financial	ADJ
cblr-14250	360	5	system	system	NOUN
cblr-14250	360	6	barely	barely	ADV
cblr-14250	360	7	lasted	last	VERB
cblr-14250	360	8	six	six	NUM
cblr-14250	360	9	months	month	NOUN
cblr-14250	360	10	before	before	ADP
cblr-14250	360	11	buckling	buckle	VERB
cblr-14250	360	12	under	under	ADP
cblr-14250	360	13	fiscal	fiscal	ADJ
cblr-14250	360	14	and	and	CCONJ
cblr-14250	360	15	monetary	monetary	ADJ
cblr-14250	360	16	pressures	pressure	NOUN
cblr-14250	360	17	occasioned	occasion	VERB
cblr-14250	360	18	by	by	ADP
cblr-14250	360	19	coordination	coordination	NOUN
cblr-14250	360	20	failures.66	failures.66	ADP
cblr-14250	360	21	the	the	DET
cblr-14250	360	22	lincoln	lincoln	PROPN
cblr-14250	360	23	administration	administration	NOUN
cblr-14250	360	24	,	,	PUNCT
cblr-14250	360	25	after	after	ADP
cblr-14250	360	26	experimenting	experiment	VERB
cblr-14250	360	27	with	with	ADP
cblr-14250	360	28	attempts	attempt	NOUN
cblr-14250	360	29	to	to	PART
cblr-14250	360	30	pull	pull	VERB
cblr-14250	360	31	gold	gold	NOUN
cblr-14250	360	32	from	from	ADP
cblr-14250	360	33	state	state	NOUN
cblr-14250	360	34	bank	bank	PROPN
cblr-14250	360	35	63	63	NUM
cblr-14250	360	36	i	i	PRON
cblr-14250	360	37	d.	d.	PROPN
cblr-14250	360	38	64	64	NUM
cblr-14250	360	39	carter	carter	PROPN
cblr-14250	360	40	h.	h.	PROPN
cblr-14250	360	41	golembe	golembe	PROPN
cblr-14250	360	42	&	&	CCONJ
cblr-14250	360	43	clark	clark	PROPN
cblr-14250	360	44	warburton	warburton	PROPN
cblr-14250	360	45	,	,	PUNCT
cblr-14250	360	46	insurance	insurance	NOUN
cblr-14250	360	47	of	of	ADP
cblr-14250	360	48	bank	bank	NOUN
cblr-14250	360	49	obligations	obligation	NOUN
cblr-14250	360	50	in	in	ADP
cblr-14250	360	51	six	six	NUM
cblr-14250	360	52	states	state	NOUN
cblr-14250	360	53	,	,	PUNCT
cblr-14250	360	54	during	during	ADP
cblr-14250	360	55	the	the	DET
cblr-14250	360	56	period	period	NOUN
cblr-14250	360	57	1829–1866	1829–1866	NUM
cblr-14250	360	58	,	,	PUNCT
cblr-14250	360	59	fed	fed	PROPN
cblr-14250	360	60	.	.	PUNCT
cblr-14250	361	1	deposit	deposit	PROPN
cblr-14250	361	2	ins	ins	PROPN
cblr-14250	361	3	.	.	PUNCT
cblr-14250	361	4	corp	corp	PROPN
cblr-14250	361	5	.	.	PROPN
cblr-14250	361	6	,	,	PUNCT
cblr-14250	361	7	at	at	ADP
cblr-14250	361	8	12	12	NUM
cblr-14250	361	9	(	(	PUNCT
cblr-14250	361	10	1958	1958	NUM
cblr-14250	361	11	)	)	PUNCT
cblr-14250	361	12	.	.	PUNCT
cblr-14250	362	1	65	65	NUM
cblr-14250	362	2	for	for	ADP
cblr-14250	362	3	a	a	DET
cblr-14250	362	4	comprehensive	comprehensive	ADJ
cblr-14250	362	5	treatment	treatment	NOUN
cblr-14250	362	6	of	of	ADP
cblr-14250	362	7	the	the	DET
cblr-14250	362	8	period	period	NOUN
cblr-14250	362	9	,	,	PUNCT
cblr-14250	362	10	see	see	VERB
cblr-14250	362	11	howard	howard	PROPN
cblr-14250	362	12	bodenhorn	bodenhorn	ADJ
cblr-14250	362	13	,	,	PUNCT
cblr-14250	362	14	state	state	NOUN
cblr-14250	362	15	banking	banking	NOUN
cblr-14250	362	16	in	in	ADP
cblr-14250	362	17	early	early	PROPN
cblr-14250	362	18	america	america	PROPN
cblr-14250	362	19	:	:	PUNCT
cblr-14250	362	20	a	a	DET
cblr-14250	362	21	new	new	ADJ
cblr-14250	362	22	economic	economic	ADJ
cblr-14250	362	23	history	history	NOUN
cblr-14250	362	24	(	(	PUNCT
cblr-14250	362	25	2003	2003	NUM
cblr-14250	362	26	)	)	PUNCT
cblr-14250	362	27	.	.	PUNCT
cblr-14250	363	1	for	for	ADP
cblr-14250	363	2	more	more	ADV
cblr-14250	363	3	apologetic	apologetic	ADJ
cblr-14250	363	4	treatment	treatment	NOUN
cblr-14250	363	5	,	,	PUNCT
cblr-14250	363	6	see	see	VERB
cblr-14250	363	7	george	george	PROPN
cblr-14250	363	8	selgin	selgin	PROPN
cblr-14250	363	9	,	,	PUNCT
cblr-14250	363	10	free	free	ADJ
cblr-14250	363	11	banking	banking	NOUN
cblr-14250	363	12	and	and	CCONJ
cblr-14250	363	13	monetary	monetary	ADJ
cblr-14250	363	14	control	control	NOUN
cblr-14250	363	15	,	,	PUNCT
cblr-14250	363	16	104	104	NUM
cblr-14250	363	17	econ	econ	NOUN
cblr-14250	363	18	.	.	PUNCT
cblr-14250	364	1	j.	j.	PROPN
cblr-14250	364	2	1449	1449	PROPN
cblr-14250	364	3	,	,	PUNCT
cblr-14250	364	4	1449–59	1449–59	NUM
cblr-14250	364	5	(	(	PUNCT
cblr-14250	364	6	1994	1994	NUM
cblr-14250	364	7	)	)	PUNCT
cblr-14250	364	8	and	and	CCONJ
cblr-14250	364	9	lawrence	lawrence	PROPN
cblr-14250	364	10	white	white	PROPN
cblr-14250	364	11	,	,	PUNCT
cblr-14250	364	12	free	free	ADJ
cblr-14250	364	13	banking	banking	NOUN
cblr-14250	364	14	in	in	ADP
cblr-14250	364	15	britain	britain	PROPN
cblr-14250	364	16	(	(	PUNCT
cblr-14250	364	17	1996	1996	NUM
cblr-14250	364	18	)	)	PUNCT
cblr-14250	364	19	.	.	PUNCT
cblr-14250	365	1	and	and	CCONJ
cblr-14250	365	2	for	for	ADP
cblr-14250	365	3	a	a	DET
cblr-14250	365	4	nuanced	nuanced	ADJ
cblr-14250	365	5	examination	examination	NOUN
cblr-14250	365	6	of	of	ADP
cblr-14250	365	7	the	the	DET
cblr-14250	365	8	boundaries	boundary	NOUN
cblr-14250	365	9	between	between	ADP
cblr-14250	365	10	legitimate	legitimate	ADJ
cblr-14250	365	11	and	and	CCONJ
cblr-14250	365	12	illegitimate	illegitimate	ADJ
cblr-14250	365	13	banking	banking	NOUN
cblr-14250	365	14	,	,	PUNCT
cblr-14250	365	15	see	see	VERB
cblr-14250	365	16	stephen	stephen	PROPN
cblr-14250	365	17	mihm	mihm	PROPN
cblr-14250	365	18	,	,	PUNCT
cblr-14250	365	19	a	a	DET
cblr-14250	365	20	nation	nation	NOUN
cblr-14250	365	21	of	of	ADP
cblr-14250	365	22	counterfeiters	counterfeiter	NOUN
cblr-14250	365	23	:	:	PUNCT
cblr-14250	365	24	capitalists	capitalist	NOUN
cblr-14250	365	25	,	,	PUNCT
cblr-14250	365	26	con	con	NOUN
cblr-14250	365	27	men	man	NOUN
cblr-14250	365	28	,	,	PUNCT
cblr-14250	365	29	and	and	CCONJ
cblr-14250	365	30	the	the	DET
cblr-14250	365	31	making	making	NOUN
cblr-14250	365	32	of	of	ADP
cblr-14250	365	33	the	the	DET
cblr-14250	365	34	united	united	PROPN
cblr-14250	365	35	states	states	PROPN
cblr-14250	365	36	(	(	PUNCT
cblr-14250	365	37	2009	2009	NUM
cblr-14250	365	38	)	)	PUNCT
cblr-14250	365	39	.	.	PUNCT
cblr-14250	366	1	66	66	NUM
cblr-14250	366	2	see	see	VERB
cblr-14250	366	3	bray	bray	PROPN
cblr-14250	366	4	hammond	hammond	PROPN
cblr-14250	366	5	,	,	PUNCT
cblr-14250	366	6	sovereignty	sovereignty	NOUN
cblr-14250	366	7	and	and	CCONJ
cblr-14250	366	8	an	an	DET
cblr-14250	366	9	empty	empty	ADJ
cblr-14250	366	10	purse	purse	NOUN
cblr-14250	366	11	(	(	PUNCT
cblr-14250	366	12	1970	1970	NUM
cblr-14250	366	13	)	)	PUNCT
cblr-14250	366	14	;	;	PUNCT
cblr-14250	366	15	roger	roger	PROPN
cblr-14250	366	16	lowenstein	lowenstein	PROPN
cblr-14250	366	17	,	,	PUNCT
cblr-14250	366	18	ways	way	NOUN
cblr-14250	366	19	and	and	CCONJ
cblr-14250	366	20	means	mean	VERB
cblr-14250	366	21	:	:	PUNCT
cblr-14250	366	22	lincoln	lincoln	PROPN
cblr-14250	366	23	and	and	CCONJ
cblr-14250	366	24	his	his	PRON
cblr-14250	366	25	cabinet	cabinet	NOUN
cblr-14250	366	26	and	and	CCONJ
cblr-14250	366	27	the	the	DET
cblr-14250	366	28	financing	financing	NOUN
cblr-14250	366	29	of	of	ADP
cblr-14250	366	30	the	the	DET
cblr-14250	366	31	civil	civil	ADJ
cblr-14250	366	32	war	war	NOUN
cblr-14250	366	33	(	(	PUNCT
cblr-14250	366	34	2022	2022	NUM
cblr-14250	366	35	)	)	PUNCT
cblr-14250	366	36	;	;	PUNCT
cblr-14250	366	37	lev	lev	PROPN
cblr-14250	366	38	menand	menand	PROPN
cblr-14250	366	39	&	&	CCONJ
cblr-14250	366	40	morgan	morgan	PROPN
cblr-14250	366	41	ricks	ricks	PROPN
cblr-14250	366	42	,	,	PUNCT
cblr-14250	366	43	federal	federal	ADJ
cblr-14250	366	44	corporate	corporate	ADJ
cblr-14250	366	45	law	law	NOUN
cblr-14250	366	46	and	and	CCONJ
cblr-14250	366	47	the	the	DET
cblr-14250	366	48	business	business	NOUN
cblr-14250	366	49	of	of	ADP
cblr-14250	366	50	banking	banking	NOUN
cblr-14250	366	51	,	,	PUNCT
cblr-14250	366	52	88	88	NUM
cblr-14250	366	53	u.	u.	NOUN
cblr-14250	366	54	chi	chi	PROPN
cblr-14250	366	55	.	.	PUNCT
cblr-14250	367	1	l.	l.	PROPN
cblr-14250	367	2	rev	rev	PROPN
cblr-14250	367	3	.	.	PROPN
cblr-14250	367	4	1361	1361	NUM
cblr-14250	367	5	,	,	PUNCT
cblr-14250	367	6	1384	1384	NUM
cblr-14250	367	7	–	–	PUNCT
cblr-14250	367	8	85	85	NUM
cblr-14250	367	9	(	(	PUNCT
cblr-14250	367	10	2021	2021	NUM
cblr-14250	367	11	)	)	PUNCT
cblr-14250	367	12	.	.	PUNCT
cblr-14250	368	1	no	no	INTJ
cblr-14250	368	2	.	.	NOUN
cblr-14250	368	3	1	1	NUM
cblr-14250	368	4	]	]	PUNCT
cblr-14250	368	5	risk	risk	NOUN
cblr-14250	368	6	,	,	PUNCT
cblr-14250	368	7	discretion	discretion	NOUN
cblr-14250	368	8	,	,	PUNCT
cblr-14250	368	9	and	and	CCONJ
cblr-14250	368	10	bank	bank	NOUN
cblr-14250	368	11	supervision	supervision	NOUN
cblr-14250	368	12	161	161	NUM
cblr-14250	368	13	vaults	vault	NOUN
cblr-14250	368	14	and	and	CCONJ
cblr-14250	368	15	then	then	ADV
cblr-14250	368	16	issuing	issue	VERB
cblr-14250	368	17	united	united	PROPN
cblr-14250	368	18	states	states	PROPN
cblr-14250	368	19	notes	note	NOUN
cblr-14250	368	20	unbacked	unbacke	VERB
cblr-14250	368	21	by	by	ADP
cblr-14250	368	22	any	any	DET
cblr-14250	368	23	redemption	redemption	NOUN
cblr-14250	368	24	commitment	commitment	NOUN
cblr-14250	368	25	(	(	PUNCT
cblr-14250	368	26	the	the	DET
cblr-14250	368	27	[	[	X
cblr-14250	368	28	in]famous	in]famous	ADJ
cblr-14250	368	29	“	"	PUNCT
cblr-14250	368	30	greenbacks	greenback	NOUN
cblr-14250	368	31	”	"	PUNCT
cblr-14250	368	32	)	)	PUNCT
cblr-14250	368	33	eventually	eventually	ADV
cblr-14250	368	34	responded	respond	VERB
cblr-14250	368	35	with	with	ADP
cblr-14250	368	36	the	the	DET
cblr-14250	368	37	creation	creation	NOUN
cblr-14250	368	38	,	,	PUNCT
cblr-14250	368	39	through	through	ADP
cblr-14250	368	40	two	two	NUM
cblr-14250	368	41	statutes	statute	NOUN
cblr-14250	368	42	,	,	PUNCT
cblr-14250	368	43	of	of	ADP
cblr-14250	368	44	the	the	DET
cblr-14250	368	45	national	national	ADJ
cblr-14250	368	46	banking	banking	NOUN
cblr-14250	368	47	system.67	system.67	VERB
cblr-14250	368	48	the	the	DET
cblr-14250	368	49	national	national	ADJ
cblr-14250	368	50	banking	banking	NOUN
cblr-14250	368	51	acts	act	NOUN
cblr-14250	368	52	of	of	ADP
cblr-14250	368	53	1863	1863	NUM
cblr-14250	368	54	(	(	PUNCT
cblr-14250	368	55	referred	refer	VERB
cblr-14250	368	56	to	to	ADP
cblr-14250	368	57	at	at	ADP
cblr-14250	368	58	the	the	DET
cblr-14250	368	59	time	time	NOUN
cblr-14250	368	60	as	as	ADP
cblr-14250	368	61	the	the	DET
cblr-14250	368	62	national	national	PROPN
cblr-14250	368	63	currency	currency	PROPN
cblr-14250	368	64	act	act	PROPN
cblr-14250	368	65	)	)	PUNCT
cblr-14250	368	66	and	and	CCONJ
cblr-14250	368	67	1864	1864	NUM
cblr-14250	368	68	(	(	PUNCT
cblr-14250	368	69	the	the	DET
cblr-14250	368	70	more	more	ADV
cblr-14250	368	71	significant	significant	ADJ
cblr-14250	368	72	piece	piece	NOUN
cblr-14250	368	73	of	of	ADP
cblr-14250	368	74	legislation	legislation	NOUN
cblr-14250	368	75	)	)	PUNCT
cblr-14250	368	76	were	be	AUX
cblr-14250	368	77	designed	design	VERB
cblr-14250	368	78	to	to	PART
cblr-14250	368	79	correct	correct	VERB
cblr-14250	368	80	a	a	DET
cblr-14250	368	81	specific	specific	ADJ
cblr-14250	368	82	problem	problem	NOUN
cblr-14250	368	83	.	.	PUNCT
cblr-14250	369	1	namely	namely	ADV
cblr-14250	369	2	,	,	PUNCT
cblr-14250	369	3	the	the	DET
cblr-14250	369	4	greenback	greenback	NOUN
cblr-14250	369	5	,	,	PUNCT
cblr-14250	369	6	created	create	VERB
cblr-14250	369	7	by	by	ADP
cblr-14250	369	8	congress	congress	PROPN
cblr-14250	369	9	in	in	ADP
cblr-14250	369	10	1862	1862	NUM
cblr-14250	369	11	,	,	PUNCT
cblr-14250	369	12	was	be	AUX
cblr-14250	369	13	too	too	ADV
cblr-14250	369	14	public	public	ADJ
cblr-14250	369	15	in	in	ADP
cblr-14250	369	16	its	its	PRON
cblr-14250	369	17	design	design	NOUN
cblr-14250	369	18	.	.	PUNCT
cblr-14250	370	1	together	together	ADV
cblr-14250	370	2	,	,	PUNCT
cblr-14250	370	3	the	the	DET
cblr-14250	370	4	laws	law	NOUN
cblr-14250	370	5	largely	largely	ADV
cblr-14250	370	6	entrusted	entrust	VERB
cblr-14250	370	7	the	the	DET
cblr-14250	370	8	new	new	ADJ
cblr-14250	370	9	national	national	ADJ
cblr-14250	370	10	banking	banking	NOUN
cblr-14250	370	11	system	system	NOUN
cblr-14250	370	12	to	to	ADP
cblr-14250	370	13	the	the	DET
cblr-14250	370	14	self	self	NOUN
cblr-14250	370	15	-	-	PUNCT
cblr-14250	370	16	interest	interest	NOUN
cblr-14250	370	17	of	of	ADP
cblr-14250	370	18	bank	bank	NOUN
cblr-14250	370	19	stockholders	stockholder	NOUN
cblr-14250	370	20	and	and	CCONJ
cblr-14250	370	21	market	market	NOUN
cblr-14250	370	22	surveillance	surveillance	NOUN
cblr-14250	370	23	by	by	ADP
cblr-14250	370	24	bank	bank	NOUN
cblr-14250	370	25	counterparties	counterpartie	NOUN
cblr-14250	370	26	(	(	PUNCT
cblr-14250	370	27	1863	1863	NUM
cblr-14250	370	28	)	)	PUNCT
cblr-14250	370	29	,	,	PUNCT
cblr-14250	370	30	mediated	mediate	VERB
cblr-14250	370	31	by	by	ADP
cblr-14250	370	32	a	a	DET
cblr-14250	370	33	new	new	ADJ
cblr-14250	370	34	system	system	NOUN
cblr-14250	370	35	of	of	ADP
cblr-14250	370	36	mandated	mandate	VERB
cblr-14250	370	37	reporting	reporting	NOUN
cblr-14250	370	38	administered	administer	VERB
cblr-14250	370	39	by	by	ADP
cblr-14250	370	40	the	the	DET
cblr-14250	370	41	comptroller	comptroller	NOUN
cblr-14250	370	42	(	(	PUNCT
cblr-14250	370	43	1864	1864	NUM
cblr-14250	370	44	)	)	PUNCT
cblr-14250	370	45	.	.	PUNCT
cblr-14250	371	1	they	they	PRON
cblr-14250	371	2	embodied	embody	VERB
cblr-14250	371	3	,	,	PUNCT
cblr-14250	371	4	in	in	ADP
cblr-14250	371	5	short	short	ADJ
cblr-14250	371	6	,	,	PUNCT
cblr-14250	371	7	the	the	DET
cblr-14250	371	8	currency	currency	NOUN
cblr-14250	371	9	view.68	view.68	NOUN
cblr-14250	371	10	note	note	VERB
cblr-14250	371	11	redemption	redemption	NOUN
cblr-14250	371	12	was	be	AUX
cblr-14250	371	13	initially	initially	ADV
cblr-14250	371	14	at	at	ADP
cblr-14250	371	15	the	the	DET
cblr-14250	371	16	center	center	NOUN
cblr-14250	371	17	of	of	ADP
cblr-14250	371	18	congress	congress	PROPN
cblr-14250	371	19	’s	’s	PART
cblr-14250	371	20	supervisory	supervisory	ADJ
cblr-14250	371	21	design	design	NOUN
cblr-14250	371	22	.	.	PUNCT
cblr-14250	372	1	the	the	DET
cblr-14250	372	2	law	law	NOUN
cblr-14250	372	3	detailed	detail	VERB
cblr-14250	372	4	precisely	precisely	ADV
cblr-14250	372	5	how	how	SCONJ
cblr-14250	372	6	and	and	CCONJ
cblr-14250	372	7	where	where	SCONJ
cblr-14250	372	8	notes	note	NOUN
cblr-14250	372	9	were	be	AUX
cblr-14250	372	10	to	to	PART
cblr-14250	372	11	be	be	AUX
cblr-14250	372	12	redeemed	redeem	VERB
cblr-14250	372	13	and	and	CCONJ
cblr-14250	372	14	what	what	PRON
cblr-14250	372	15	steps	step	VERB
cblr-14250	372	16	the	the	DET
cblr-14250	372	17	comptroller	comptroller	NOUN
cblr-14250	372	18	could	could	AUX
cblr-14250	372	19	take	take	VERB
cblr-14250	372	20	when	when	SCONJ
cblr-14250	372	21	“	"	PUNCT
cblr-14250	372	22	such	such	ADJ
cblr-14250	372	23	association	association	NOUN
cblr-14250	372	24	has	have	AUX
cblr-14250	372	25	refused	refuse	VERB
cblr-14250	372	26	to	to	PART
cblr-14250	372	27	pay	pay	VERB
cblr-14250	372	28	its	its	PRON
cblr-14250	372	29	circulating	circulate	VERB
cblr-14250	372	30	notes	note	NOUN
cblr-14250	372	31	as	as	ADP
cblr-14250	372	32	aforesaid	aforesaid	NOUN
cblr-14250	372	33	and	and	CCONJ
cblr-14250	372	34	is	be	AUX
cblr-14250	372	35	in	in	ADP
cblr-14250	372	36	default	default	NOUN
cblr-14250	372	37	.	.	PUNCT
cblr-14250	373	1	”69	”69	NOUN
cblr-14250	373	2	at	at	ADP
cblr-14250	373	3	the	the	DET
cblr-14250	373	4	same	same	ADJ
cblr-14250	373	5	time	time	NOUN
cblr-14250	373	6	,	,	PUNCT
cblr-14250	373	7	because	because	SCONJ
cblr-14250	373	8	the	the	DET
cblr-14250	373	9	law	law	NOUN
cblr-14250	373	10	required	require	VERB
cblr-14250	373	11	national	national	PROPN
cblr-14250	373	12	bank	bank	PROPN
cblr-14250	373	13	notes	note	NOUN
cblr-14250	373	14	to	to	PART
cblr-14250	373	15	be	be	AUX
cblr-14250	373	16	backed	back	VERB
cblr-14250	373	17	by	by	ADP
cblr-14250	373	18	u.s	u.s	PROPN
cblr-14250	373	19	.	.	PROPN
cblr-14250	373	20	bonds	bond	NOUN
cblr-14250	373	21	held	hold	VERB
cblr-14250	373	22	by	by	ADP
cblr-14250	373	23	the	the	DET
cblr-14250	373	24	treasury	treasury	PROPN
cblr-14250	373	25	,	,	PUNCT
cblr-14250	373	26	congress	congress	PROPN
cblr-14250	373	27	made	make	VERB
cblr-14250	373	28	it	it	PRON
cblr-14250	373	29	functionally	functionally	ADV
cblr-14250	373	30	impossible	impossible	ADJ
cblr-14250	373	31	for	for	SCONJ
cblr-14250	373	32	banks	bank	NOUN
cblr-14250	373	33	to	to	PART
cblr-14250	373	34	fail	fail	VERB
cblr-14250	373	35	to	to	PART
cblr-14250	373	36	redeem	redeem	VERB
cblr-14250	373	37	their	their	PRON
cblr-14250	373	38	notes.70	notes.70	NOUN
cblr-14250	373	39	like	like	ADP
cblr-14250	373	40	the	the	DET
cblr-14250	373	41	state	state	NOUN
cblr-14250	373	42	systems	system	NOUN
cblr-14250	373	43	,	,	PUNCT
cblr-14250	373	44	the	the	DET
cblr-14250	373	45	national	national	PROPN
cblr-14250	373	46	bank	bank	PROPN
cblr-14250	373	47	acts	act	NOUN
cblr-14250	373	48	used	use	VERB
cblr-14250	373	49	private	private	ADJ
cblr-14250	373	50	liability	liability	NOUN
cblr-14250	373	51	as	as	SCONJ
cblr-14250	373	52	the	the	DET
cblr-14250	373	53	core	core	NOUN
cblr-14250	373	54	risk	risk	NOUN
cblr-14250	373	55	absorber	absorber	NOUN
cblr-14250	373	56	,	,	PUNCT
cblr-14250	373	57	imposing	impose	VERB
cblr-14250	373	58	double	double	ADJ
cblr-14250	373	59	liability	liability	NOUN
cblr-14250	373	60	on	on	ADP
cblr-14250	373	61	bank	bank	NOUN
cblr-14250	373	62	stockholders	stockholder	NOUN
cblr-14250	373	63	.	.	PUNCT
cblr-14250	374	1	in	in	ADP
cblr-14250	374	2	the	the	DET
cblr-14250	374	3	case	case	NOUN
cblr-14250	374	4	of	of	ADP
cblr-14250	374	5	capital	capital	NOUN
cblr-14250	374	6	67	67	NUM
cblr-14250	374	7	hammond	hammond	NOUN
cblr-14250	374	8	,	,	PUNCT
cblr-14250	374	9	supra	supra	PROPN
cblr-14250	374	10	note	note	NOUN
cblr-14250	374	11	66	66	NUM
cblr-14250	374	12	,	,	PUNCT
cblr-14250	374	13	at	at	ADP
cblr-14250	374	14	60–62	60–62	NUM
cblr-14250	374	15	,	,	PUNCT
cblr-14250	374	16	94–105	94–105	PROPN
cblr-14250	374	17	,	,	PUNCT
cblr-14250	374	18	168–69	168–69	NUM
cblr-14250	374	19	;	;	PUNCT
cblr-14250	374	20	margaret	margaret	PROPN
cblr-14250	374	21	g.	g.	PROPN
cblr-14250	374	22	myers	myers	PROPN
cblr-14250	374	23	,	,	PUNCT
cblr-14250	374	24	a	a	DET
cblr-14250	374	25	financial	financial	ADJ
cblr-14250	374	26	history	history	NOUN
cblr-14250	374	27	of	of	ADP
cblr-14250	374	28	the	the	DET
cblr-14250	374	29	united	united	PROPN
cblr-14250	374	30	states	states	PROPN
cblr-14250	374	31	149–53	149–53	NUM
cblr-14250	374	32	(	(	PUNCT
cblr-14250	374	33	1970	1970	NUM
cblr-14250	374	34	)	)	PUNCT
cblr-14250	374	35	;	;	PUNCT
cblr-14250	374	36	robert	robert	PROPN
cblr-14250	374	37	p.	p.	PROPN
cblr-14250	374	38	sharkey	sharkey	PROPN
cblr-14250	374	39	,	,	PUNCT
cblr-14250	374	40	money	money	NOUN
cblr-14250	374	41	,	,	PUNCT
cblr-14250	374	42	class	class	NOUN
cblr-14250	374	43	,	,	PUNCT
cblr-14250	374	44	and	and	CCONJ
cblr-14250	374	45	party	party	NOUN
cblr-14250	374	46	:	:	PUNCT
cblr-14250	374	47	an	an	DET
cblr-14250	374	48	economic	economic	ADJ
cblr-14250	374	49	study	study	NOUN
cblr-14250	374	50	of	of	ADP
cblr-14250	374	51	civil	civil	ADJ
cblr-14250	374	52	war	war	NOUN
cblr-14250	374	53	&	&	CCONJ
cblr-14250	374	54	reconstruction	reconstruction	NOUN
cblr-14250	374	55	22–28	22–28	NUM
cblr-14250	374	56	,	,	PUNCT
cblr-14250	374	57	255–69	255–69	NUM
cblr-14250	374	58	(	(	PUNCT
cblr-14250	374	59	1959	1959	NUM
cblr-14250	374	60	)	)	PUNCT
cblr-14250	374	61	;	;	PUNCT
cblr-14250	374	62	patrick	patrick	PROPN
cblr-14250	374	63	newman	newman	PROPN
cblr-14250	374	64	,	,	PUNCT
cblr-14250	374	65	the	the	DET
cblr-14250	374	66	origins	origin	NOUN
cblr-14250	374	67	of	of	ADP
cblr-14250	374	68	the	the	DET
cblr-14250	374	69	national	national	ADJ
cblr-14250	374	70	banking	banking	NOUN
cblr-14250	374	71	system	system	NOUN
cblr-14250	374	72	,	,	PUNCT
cblr-14250	374	73	22	22	NUM
cblr-14250	374	74	indep	indep	NOUN
cblr-14250	374	75	.	.	PUNCT
cblr-14250	375	1	rev	rev	PROPN
cblr-14250	375	2	.	.	PROPN
cblr-14250	375	3	383	383	NUM
cblr-14250	375	4	(	(	PUNCT
cblr-14250	375	5	2018	2018	NUM
cblr-14250	375	6	)	)	PUNCT
cblr-14250	375	7	;	;	PUNCT
cblr-14250	375	8	john	john	PROPN
cblr-14250	375	9	a.	a.	PROPN
cblr-14250	375	10	james	james	PROPN
cblr-14250	375	11	&	&	CCONJ
cblr-14250	375	12	david	david	PROPN
cblr-14250	375	13	f.	f.	PROPN
cblr-14250	375	14	weiman	weiman	PROPN
cblr-14250	375	15	,	,	PUNCT
cblr-14250	375	16	the	the	DET
cblr-14250	375	17	national	national	ADJ
cblr-14250	375	18	banking	banking	NOUN
cblr-14250	375	19	acts	act	NOUN
cblr-14250	375	20	and	and	CCONJ
cblr-14250	375	21	the	the	DET
cblr-14250	375	22	transformation	transformation	NOUN
cblr-14250	375	23	of	of	ADP
cblr-14250	375	24	new	new	PROPN
cblr-14250	375	25	york	york	PROPN
cblr-14250	375	26	city	city	PROPN
cblr-14250	375	27	banking	banking	NOUN
cblr-14250	375	28	during	during	ADP
cblr-14250	375	29	the	the	DET
cblr-14250	375	30	civil	civil	ADJ
cblr-14250	375	31	war	war	NOUN
cblr-14250	375	32	era	era	NOUN
cblr-14250	375	33	,	,	PUNCT
cblr-14250	375	34	71	71	NUM
cblr-14250	375	35	j.	j.	PROPN
cblr-14250	375	36	econ	econ	PROPN
cblr-14250	375	37	.	.	PUNCT
cblr-14250	376	1	hist	hist	PROPN
cblr-14250	376	2	.	.	PROPN
cblr-14250	377	1	338	338	NUM
cblr-14250	377	2	(	(	PUNCT
cblr-14250	377	3	2011	2011	NUM
cblr-14250	377	4	)	)	PUNCT
cblr-14250	377	5	.	.	PUNCT
cblr-14250	378	1	68	68	NUM
cblr-14250	378	2	national	national	PROPN
cblr-14250	378	3	bank	bank	PROPN
cblr-14250	378	4	act	act	PROPN
cblr-14250	378	5	,	,	PUNCT
cblr-14250	378	6	ch	ch	PROPN
cblr-14250	378	7	.	.	PROPN
cblr-14250	378	8	58	58	NUM
cblr-14250	378	9	§	§	PROPN
cblr-14250	378	10	§	§	PROPN
cblr-14250	378	11	12	12	NUM
cblr-14250	378	12	,	,	PUNCT
cblr-14250	378	13	24	24	NUM
cblr-14250	378	14	,	,	PUNCT
cblr-14250	378	15	50	50	NUM
cblr-14250	378	16	,	,	PUNCT
cblr-14250	378	17	12	12	NUM
cblr-14250	378	18	stat	stat	NOUN
cblr-14250	378	19	.	.	PUNCT
cblr-14250	379	1	665	665	NUM
cblr-14250	379	2	,	,	PUNCT
cblr-14250	379	3	668	668	NUM
cblr-14250	379	4	,	,	PUNCT
cblr-14250	379	5	671	671	NUM
cblr-14250	379	6	,	,	PUNCT
cblr-14250	379	7	679	679	NUM
cblr-14250	379	8	(	(	PUNCT
cblr-14250	379	9	1863	1863	NUM
cblr-14250	379	10	)	)	PUNCT
cblr-14250	379	11	;	;	PUNCT
cblr-14250	379	12	national	national	PROPN
cblr-14250	379	13	banking	banking	PROPN
cblr-14250	379	14	act	act	PROPN
cblr-14250	379	15	,	,	PUNCT
cblr-14250	379	16	ch	ch	NOUN
cblr-14250	379	17	.	.	PROPN
cblr-14250	379	18	106	106	NUM
cblr-14250	379	19	,	,	PUNCT
cblr-14250	379	20	§	§	PROPN
cblr-14250	379	21	§	§	PROPN
cblr-14250	379	22	12	12	NUM
cblr-14250	379	23	,	,	PUNCT
cblr-14250	379	24	34	34	NUM
cblr-14250	379	25	,	,	PUNCT
cblr-14250	379	26	53	53	NUM
cblr-14250	379	27	,	,	PUNCT
cblr-14250	379	28	13	13	NUM
cblr-14250	379	29	stat	stat	NOUN
cblr-14250	379	30	.	.	PUNCT
cblr-14250	380	1	99	99	NUM
cblr-14250	380	2	,	,	PUNCT
cblr-14250	380	3	102–03	102–03	NOUN
cblr-14250	380	4	,	,	PUNCT
cblr-14250	380	5	109–10	109–10	NUM
cblr-14250	380	6	,	,	PUNCT
cblr-14250	380	7	116	116	NUM
cblr-14250	380	8	(	(	PUNCT
cblr-14250	380	9	1864	1864	NUM
cblr-14250	380	10	)	)	PUNCT
cblr-14250	380	11	.	.	PUNCT
cblr-14250	381	1	69	69	NUM
cblr-14250	381	2	national	national	PROPN
cblr-14250	381	3	bank	bank	PROPN
cblr-14250	381	4	act	act	PROPN
cblr-14250	381	5	,	,	PUNCT
cblr-14250	381	6	ch	ch	PROPN
cblr-14250	381	7	.	.	PROPN
cblr-14250	381	8	58	58	NUM
cblr-14250	381	9	§	§	PROPN
cblr-14250	381	10	§	§	PROPN
cblr-14250	381	11	25–29	25–29	NOUN
cblr-14250	381	12	,	,	PUNCT
cblr-14250	381	13	12	12	NUM
cblr-14250	381	14	stat	stat	NOUN
cblr-14250	381	15	.	.	PUNCT
cblr-14250	382	1	665	665	NUM
cblr-14250	382	2	,	,	PUNCT
cblr-14250	382	3	672–73	672–73	X
cblr-14250	382	4	(	(	PUNCT
cblr-14250	382	5	1863	1863	NUM
cblr-14250	382	6	)	)	PUNCT
cblr-14250	382	7	;	;	PUNCT
cblr-14250	382	8	national	national	PROPN
cblr-14250	382	9	banking	banking	PROPN
cblr-14250	382	10	act	act	PROPN
cblr-14250	382	11	,	,	PUNCT
cblr-14250	382	12	ch	ch	NOUN
cblr-14250	382	13	.	.	PROPN
cblr-14250	382	14	106	106	NUM
cblr-14250	382	15	,	,	PUNCT
cblr-14250	382	16	§	§	PROPN
cblr-14250	382	17	§	§	PROPN
cblr-14250	382	18	26	26	NUM
cblr-14250	382	19	,	,	PUNCT
cblr-14250	382	20	47	47	NUM
cblr-14250	382	21	,	,	PUNCT
cblr-14250	382	22	13	13	NUM
cblr-14250	382	23	stat	stat	NOUN
cblr-14250	382	24	.	.	PUNCT
cblr-14250	383	1	99	99	NUM
cblr-14250	383	2	,	,	PUNCT
cblr-14250	383	3	107	107	NUM
cblr-14250	383	4	,	,	PUNCT
cblr-14250	383	5	114	114	NUM
cblr-14250	383	6	(	(	PUNCT
cblr-14250	383	7	1864	1864	NUM
cblr-14250	383	8	)	)	PUNCT
cblr-14250	383	9	.	.	PUNCT
cblr-14250	384	1	70	70	NUM
cblr-14250	384	2	see	see	VERB
cblr-14250	384	3	hammond	hammond	NOUN
cblr-14250	384	4	,	,	PUNCT
cblr-14250	384	5	supra	supra	PROPN
cblr-14250	384	6	note	note	NOUN
cblr-14250	384	7	55	55	NUM
cblr-14250	384	8	.	.	SYM
cblr-14250	385	1	162	162	NUM
cblr-14250	385	2	columbia	columbia	PROPN
cblr-14250	385	3	business	business	NOUN
cblr-14250	385	4	law	law	PROPN
cblr-14250	385	5	review	review	NOUN
cblr-14250	385	6	[	[	X
cblr-14250	385	7	vol	vol	NOUN
cblr-14250	385	8	.	.	PUNCT
cblr-14250	385	9	2025	2025	NUM
cblr-14250	385	10	impairment	impairment	NOUN
cblr-14250	385	11	or	or	CCONJ
cblr-14250	385	12	outright	outright	ADJ
cblr-14250	385	13	failure	failure	NOUN
cblr-14250	385	14	,	,	PUNCT
cblr-14250	385	15	their	their	PRON
cblr-14250	385	16	personal	personal	ADJ
cblr-14250	385	17	resources	resource	NOUN
cblr-14250	385	18	could	could	AUX
cblr-14250	385	19	be	be	AUX
cblr-14250	385	20	called	call	VERB
cblr-14250	385	21	on	on	ADP
cblr-14250	385	22	to	to	PART
cblr-14250	385	23	meet	meet	VERB
cblr-14250	385	24	the	the	DET
cblr-14250	385	25	liabilities	liability	NOUN
cblr-14250	385	26	of	of	ADP
cblr-14250	385	27	the	the	DET
cblr-14250	385	28	bank	bank	NOUN
cblr-14250	385	29	,	,	PUNCT
cblr-14250	385	30	creating	create	VERB
cblr-14250	385	31	strong	strong	ADJ
cblr-14250	385	32	incentives	incentive	NOUN
cblr-14250	385	33	for	for	SCONJ
cblr-14250	385	34	bank	bank	NOUN
cblr-14250	385	35	principals	principal	NOUN
cblr-14250	385	36	to	to	PART
cblr-14250	385	37	carefully	carefully	ADV
cblr-14250	385	38	monitor	monitor	VERB
cblr-14250	385	39	their	their	PRON
cblr-14250	385	40	agent	agent	NOUN
cblr-14250	385	41	bank	bank	NOUN
cblr-14250	385	42	officers.71	officers.71	PROPN
cblr-14250	385	43	the	the	DET
cblr-14250	385	44	national	national	PROPN
cblr-14250	385	45	bank	bank	PROPN
cblr-14250	385	46	acts	act	NOUN
cblr-14250	385	47	represented	represent	VERB
cblr-14250	385	48	the	the	DET
cblr-14250	385	49	first	first	ADJ
cblr-14250	385	50	major	major	ADJ
cblr-14250	385	51	institutionalization	institutionalization	NOUN
cblr-14250	385	52	of	of	ADP
cblr-14250	385	53	federal	federal	PROPN
cblr-14250	385	54	bank	bank	PROPN
cblr-14250	385	55	supervision	supervision	NOUN
cblr-14250	385	56	in	in	ADP
cblr-14250	385	57	the	the	DET
cblr-14250	385	58	united	united	PROPN
cblr-14250	385	59	states	states	PROPN
cblr-14250	385	60	,	,	PUNCT
cblr-14250	385	61	going	go	VERB
cblr-14250	385	62	much	much	ADV
cblr-14250	385	63	further	far	ADV
cblr-14250	385	64	than	than	ADP
cblr-14250	385	65	the	the	DET
cblr-14250	385	66	second	second	ADJ
cblr-14250	385	67	bank	bank	NOUN
cblr-14250	385	68	’s	’s	PART
cblr-14250	385	69	more	more	ADV
cblr-14250	385	70	informal	informal	ADJ
cblr-14250	385	71	oversight	oversight	NOUN
cblr-14250	385	72	mechanisms	mechanism	NOUN
cblr-14250	385	73	.	.	PUNCT
cblr-14250	386	1	to	to	PART
cblr-14250	386	2	enforce	enforce	VERB
cblr-14250	386	3	sound	sound	PROPN
cblr-14250	386	4	bank	bank	NOUN
cblr-14250	386	5	behavior	behavior	NOUN
cblr-14250	386	6	,	,	PUNCT
cblr-14250	386	7	the	the	DET
cblr-14250	386	8	national	national	PROPN
cblr-14250	386	9	bank	bank	PROPN
cblr-14250	386	10	acts	act	NOUN
cblr-14250	386	11	mandated	mandate	VERB
cblr-14250	386	12	that	that	SCONJ
cblr-14250	386	13	national	national	ADJ
cblr-14250	386	14	banks	bank	NOUN
cblr-14250	386	15	submit	submit	VERB
cblr-14250	386	16	detailed	detailed	ADJ
cblr-14250	386	17	quarterly	quarterly	ADJ
cblr-14250	386	18	statements	statement	NOUN
cblr-14250	386	19	of	of	ADP
cblr-14250	386	20	condition	condition	NOUN
cblr-14250	386	21	,	,	PUNCT
cblr-14250	386	22	which	which	PRON
cblr-14250	386	23	were	be	AUX
cblr-14250	386	24	then	then	ADV
cblr-14250	386	25	published	publish	VERB
cblr-14250	386	26	in	in	ADP
cblr-14250	386	27	washington	washington	PROPN
cblr-14250	386	28	d.c	d.c	PROPN
cblr-14250	386	29	.	.	PROPN
cblr-14250	387	1	and	and	CCONJ
cblr-14250	387	2	the	the	DET
cblr-14250	387	3	bank	bank	NOUN
cblr-14250	387	4	’s	’s	PART
cblr-14250	387	5	hometown	hometown	NOUN
cblr-14250	387	6	paper.72	paper.72	NOUN
cblr-14250	387	7	it	it	PRON
cblr-14250	387	8	also	also	ADV
cblr-14250	387	9	created	create	VERB
cblr-14250	387	10	a	a	DET
cblr-14250	387	11	corps	corps	NOUN
cblr-14250	387	12	of	of	ADP
cblr-14250	387	13	federal	federal	ADJ
cblr-14250	387	14	bank	bank	NOUN
cblr-14250	387	15	examiners	examiner	NOUN
cblr-14250	387	16	,	,	PUNCT
cblr-14250	387	17	whose	whose	DET
cblr-14250	387	18	recruitment	recruitment	NOUN
cblr-14250	387	19	and	and	CCONJ
cblr-14250	387	20	professionalization	professionalization	NOUN
cblr-14250	387	21	were	be	AUX
cblr-14250	387	22	major	major	ADJ
cblr-14250	387	23	priorities	priority	NOUN
cblr-14250	387	24	for	for	ADP
cblr-14250	387	25	the	the	DET
cblr-14250	387	26	first	first	ADJ
cblr-14250	387	27	comptroller	comptroller	NOUN
cblr-14250	387	28	of	of	ADP
cblr-14250	387	29	the	the	DET
cblr-14250	387	30	currency	currency	NOUN
cblr-14250	387	31	,	,	PUNCT
cblr-14250	387	32	hugh	hugh	PROPN
cblr-14250	387	33	mcculloch	mcculloch	PROPN
cblr-14250	387	34	.	.	PUNCT
cblr-14250	388	1	congress	congress	PROPN
cblr-14250	388	2	and	and	CCONJ
cblr-14250	388	3	mcculloch	mcculloch	PROPN
cblr-14250	388	4	,	,	PUNCT
cblr-14250	388	5	through	through	ADP
cblr-14250	388	6	legislation	legislation	NOUN
cblr-14250	388	7	and	and	CCONJ
cblr-14250	388	8	its	its	PRON
cblr-14250	388	9	implementation	implementation	NOUN
cblr-14250	388	10	,	,	PUNCT
cblr-14250	388	11	gave	give	VERB
cblr-14250	388	12	these	these	DET
cblr-14250	388	13	examiners	examiner	NOUN
cblr-14250	388	14	the	the	DET
cblr-14250	388	15	power	power	NOUN
cblr-14250	388	16	to	to	PART
cblr-14250	388	17	inspect	inspect	VERB
cblr-14250	388	18	bank	bank	NOUN
cblr-14250	388	19	behavior	behavior	NOUN
cblr-14250	388	20	and	and	CCONJ
cblr-14250	388	21	note	note	VERB
cblr-14250	388	22	issuance	issuance	NOUN
cblr-14250	388	23	to	to	PART
cblr-14250	388	24	ensure	ensure	VERB
cblr-14250	388	25	safety	safety	NOUN
cblr-14250	388	26	and	and	CCONJ
cblr-14250	388	27	soundness	soundness	NOUN
cblr-14250	388	28	of	of	ADP
cblr-14250	388	29	the	the	DET
cblr-14250	388	30	money	money	NOUN
cblr-14250	388	31	and	and	CCONJ
cblr-14250	388	32	the	the	DET
cblr-14250	388	33	banking	banking	NOUN
cblr-14250	388	34	institutions.73	institutions.73	ADP
cblr-14250	388	35	this	this	DET
cblr-14250	388	36	inspection	inspection	NOUN
cblr-14250	388	37	power	power	NOUN
cblr-14250	388	38	enabled	enable	VERB
cblr-14250	388	39	examiners	examiner	NOUN
cblr-14250	388	40	to	to	PART
cblr-14250	388	41	ensure	ensure	VERB
cblr-14250	388	42	banks	bank	NOUN
cblr-14250	388	43	complied	comply	VERB
cblr-14250	388	44	,	,	PUNCT
cblr-14250	388	45	in	in	ADP
cblr-14250	388	46	mcculloch	mcculloch	PROPN
cblr-14250	388	47	’s	’s	PART
cblr-14250	388	48	phrase	phrase	NOUN
cblr-14250	388	49	,	,	PUNCT
cblr-14250	388	50	“	"	PUNCT
cblr-14250	388	51	with	with	ADP
cblr-14250	388	52	the	the	DET
cblr-14250	388	53	spirit	spirit	NOUN
cblr-14250	388	54	and	and	CCONJ
cblr-14250	388	55	intention	intention	NOUN
cblr-14250	388	56	of	of	ADP
cblr-14250	388	57	the	the	DET
cblr-14250	388	58	law	law	NOUN
cblr-14250	388	59	.	.	PUNCT
cblr-14250	389	1	”74	”74	PUNCT
cblr-14250	389	2	to	to	ADP
cblr-14250	389	3	this	this	DET
cblr-14250	389	4	end	end	NOUN
cblr-14250	389	5	,	,	PUNCT
cblr-14250	389	6	the	the	DET
cblr-14250	389	7	legislative	legislative	ADJ
cblr-14250	389	8	and	and	CCONJ
cblr-14250	389	9	regulatory	regulatory	ADJ
cblr-14250	389	10	processes	process	NOUN
cblr-14250	389	11	sought	seek	VERB
cblr-14250	389	12	to	to	PART
cblr-14250	389	13	maintain	maintain	VERB
cblr-14250	389	14	the	the	DET
cblr-14250	389	15	negative	negative	ADJ
cblr-14250	389	16	power	power	NOUN
cblr-14250	389	17	of	of	ADP
cblr-14250	389	18	note	note	NOUN
cblr-14250	389	19	redemption	redemption	NOUN
cblr-14250	389	20	as	as	ADP
cblr-14250	389	21	the	the	DET
cblr-14250	389	22	ultimate	ultimate	ADJ
cblr-14250	389	23	check	check	NOUN
cblr-14250	389	24	on	on	ADP
cblr-14250	389	25	unsound	unsound	ADJ
cblr-14250	389	26	banking	banking	NOUN
cblr-14250	389	27	while	while	SCONJ
cblr-14250	389	28	adding	add	VERB
cblr-14250	389	29	some	some	DET
cblr-14250	389	30	general	general	ADJ
cblr-14250	389	31	ability	ability	NOUN
cblr-14250	389	32	to	to	PART
cblr-14250	389	33	promote	promote	VERB
cblr-14250	389	34	banking	banking	NOUN
cblr-14250	389	35	innovation	innovation	NOUN
cblr-14250	389	36	generally	generally	ADV
cblr-14250	389	37	.	.	PUNCT
cblr-14250	390	1	while	while	SCONJ
cblr-14250	390	2	bank	bank	NOUN
cblr-14250	390	3	supervision	supervision	NOUN
cblr-14250	390	4	evolved	evolve	VERB
cblr-14250	390	5	substantially	substantially	ADV
cblr-14250	390	6	from	from	ADP
cblr-14250	390	7	this	this	DET
cblr-14250	390	8	point	point	NOUN
cblr-14250	390	9	of	of	ADP
cblr-14250	390	10	origin	origin	NOUN
cblr-14250	390	11	,	,	PUNCT
cblr-14250	390	12	three	three	NUM
cblr-14250	390	13	artifacts	artifact	NOUN
cblr-14250	390	14	of	of	ADP
cblr-14250	390	15	the	the	DET
cblr-14250	390	16	civil	civil	ADJ
cblr-14250	390	17	war	war	NOUN
cblr-14250	390	18	period	period	NOUN
cblr-14250	390	19	remain	remain	VERB
cblr-14250	390	20	important	important	ADJ
cblr-14250	390	21	to	to	ADP
cblr-14250	390	22	modern	modern	ADJ
cblr-14250	390	23	bank	bank	NOUN
cblr-14250	390	24	supervisory	supervisory	ADJ
cblr-14250	390	25	systems	system	NOUN
cblr-14250	390	26	.	.	PUNCT
cblr-14250	391	1	first	first	ADV
cblr-14250	391	2	,	,	PUNCT
cblr-14250	391	3	mcculloch	mcculloch	PROPN
cblr-14250	391	4	’s	’s	PART
cblr-14250	391	5	role	role	NOUN
cblr-14250	391	6	in	in	ADP
cblr-14250	391	7	shaping	shape	VERB
cblr-14250	391	8	bank	bank	NOUN
cblr-14250	391	9	examination	examination	NOUN
cblr-14250	391	10	is	be	AUX
cblr-14250	391	11	essential	essential	ADJ
cblr-14250	391	12	71	71	NUM
cblr-14250	391	13	i	i	PROPN
cblr-14250	391	14	d.	d.	PROPN
cblr-14250	391	15	72	72	NUM
cblr-14250	391	16	national	national	PROPN
cblr-14250	391	17	bank	bank	PROPN
cblr-14250	391	18	act	act	PROPN
cblr-14250	391	19	,	,	PUNCT
cblr-14250	391	20	ch	ch	PROPN
cblr-14250	391	21	.	.	PROPN
cblr-14250	391	22	58	58	NUM
cblr-14250	392	1	§	§	PROPN
cblr-14250	392	2	§	§	PROPN
cblr-14250	392	3	24	24	NUM
cblr-14250	392	4	,	,	PUNCT
cblr-14250	392	5	12	12	NUM
cblr-14250	392	6	stat	stat	NOUN
cblr-14250	392	7	.	.	PUNCT
cblr-14250	393	1	665	665	NUM
cblr-14250	393	2	,	,	PUNCT
cblr-14250	393	3	671	671	NUM
cblr-14250	393	4	(	(	PUNCT
cblr-14250	393	5	1863	1863	NUM
cblr-14250	393	6	)	)	PUNCT
cblr-14250	393	7	;	;	PUNCT
cblr-14250	393	8	national	national	PROPN
cblr-14250	393	9	banking	banking	PROPN
cblr-14250	393	10	act	act	PROPN
cblr-14250	393	11	,	,	PUNCT
cblr-14250	393	12	ch	ch	NOUN
cblr-14250	393	13	.	.	PROPN
cblr-14250	393	14	106	106	NUM
cblr-14250	393	15	,	,	PUNCT
cblr-14250	393	16	§	§	PROPN
cblr-14250	393	17	§	§	PROPN
cblr-14250	393	18	34	34	NUM
cblr-14250	393	19	,	,	PUNCT
cblr-14250	393	20	13	13	NUM
cblr-14250	393	21	stat	stat	NOUN
cblr-14250	393	22	.	.	PUNCT
cblr-14250	394	1	99	99	NUM
cblr-14250	394	2	,	,	PUNCT
cblr-14250	394	3	109–10	109–10	NUM
cblr-14250	394	4	(	(	PUNCT
cblr-14250	394	5	1864	1864	NUM
cblr-14250	394	6	)	)	PUNCT
cblr-14250	394	7	.	.	PUNCT
cblr-14250	395	1	73	73	NUM
cblr-14250	395	2	national	national	PROPN
cblr-14250	395	3	bank	bank	PROPN
cblr-14250	395	4	act	act	PROPN
cblr-14250	395	5	,	,	PUNCT
cblr-14250	395	6	ch	ch	PROPN
cblr-14250	395	7	.	.	PROPN
cblr-14250	395	8	58	58	NUM
cblr-14250	395	9	§	§	PROPN
cblr-14250	395	10	§	§	PROPN
cblr-14250	395	11	51	51	NUM
cblr-14250	395	12	,	,	PUNCT
cblr-14250	395	13	12	12	NUM
cblr-14250	395	14	stat	stat	NOUN
cblr-14250	395	15	.	.	PUNCT
cblr-14250	396	1	665	665	NUM
cblr-14250	396	2	,	,	PUNCT
cblr-14250	396	3	679–80	679–80	PROPN
cblr-14250	396	4	(	(	PUNCT
cblr-14250	396	5	1863	1863	NUM
cblr-14250	396	6	)	)	PUNCT
cblr-14250	396	7	;	;	PUNCT
cblr-14250	396	8	national	national	PROPN
cblr-14250	396	9	banking	banking	PROPN
cblr-14250	396	10	act	act	PROPN
cblr-14250	396	11	,	,	PUNCT
cblr-14250	396	12	ch	ch	NOUN
cblr-14250	396	13	.	.	PROPN
cblr-14250	396	14	106	106	NUM
cblr-14250	396	15	,	,	PUNCT
cblr-14250	396	16	§	§	PROPN
cblr-14250	396	17	§	§	PROPN
cblr-14250	396	18	54	54	NUM
cblr-14250	396	19	,	,	PUNCT
cblr-14250	396	20	13	13	NUM
cblr-14250	396	21	stat	stat	NOUN
cblr-14250	396	22	.	.	PUNCT
cblr-14250	397	1	99	99	NUM
cblr-14250	397	2	,	,	PUNCT
cblr-14250	397	3	116	116	NUM
cblr-14250	397	4	(	(	PUNCT
cblr-14250	397	5	1864	1864	NUM
cblr-14250	397	6	)	)	PUNCT
cblr-14250	397	7	;	;	PUNCT
cblr-14250	397	8	see	see	VERB
cblr-14250	397	9	also	also	ADV
cblr-14250	397	10	ross	ross	PROPN
cblr-14250	397	11	m.	m.	PROPN
cblr-14250	397	12	robertson	robertson	PROPN
cblr-14250	397	13	,	,	PUNCT
cblr-14250	397	14	the	the	DET
cblr-14250	397	15	comptroller	comptroller	NOUN
cblr-14250	397	16	and	and	CCONJ
cblr-14250	397	17	bank	bank	NOUN
cblr-14250	397	18	supervision	supervision	NOUN
cblr-14250	397	19	(	(	PUNCT
cblr-14250	397	20	off	off	ADP
cblr-14250	397	21	.	.	PUNCT
cblr-14250	398	1	of	of	ADP
cblr-14250	398	2	the	the	DET
cblr-14250	398	3	comptroller	comptroller	NOUN
cblr-14250	398	4	of	of	ADP
cblr-14250	398	5	the	the	DET
cblr-14250	398	6	currency	currency	NOUN
cblr-14250	398	7	,	,	PUNCT
cblr-14250	398	8	1968	1968	NUM
cblr-14250	398	9	)	)	PUNCT
cblr-14250	398	10	,	,	PUNCT
cblr-14250	398	11	71–72	71–72	NUM
cblr-14250	398	12	.	.	PUNCT
cblr-14250	398	13	74	74	NUM
cblr-14250	398	14	instructions	instruction	NOUN
cblr-14250	398	15	to	to	ADP
cblr-14250	398	16	exam’rs	exam’rs	PROPN
cblr-14250	398	17	of	of	ADP
cblr-14250	398	18	nat’l	nat’l	NOUN
cblr-14250	398	19	banks	bank	NOUN
cblr-14250	398	20	,	,	PUNCT
cblr-14250	398	21	s.	s.	PROPN
cblr-14250	398	22	exec	exec	PROPN
cblr-14250	398	23	.	.	PUNCT
cblr-14250	399	1	doc	doc	PROPN
cblr-14250	399	2	.	.	PUNCT
cblr-14250	400	1	no	no	INTJ
cblr-14250	400	2	.	.	PROPN
cblr-14250	400	3	31	31	NUM
cblr-14250	400	4	,	,	PUNCT
cblr-14250	400	5	at	at	ADP
cblr-14250	400	6	12–13	12–13	NUM
cblr-14250	400	7	(	(	PUNCT
cblr-14250	400	8	1st	1st	ADJ
cblr-14250	400	9	sess	sess	NOUN
cblr-14250	400	10	.	.	PUNCT
cblr-14250	401	1	1881	1881	NUM
cblr-14250	401	2	)	)	PUNCT
cblr-14250	401	3	.	.	PUNCT
cblr-14250	402	1	no	no	INTJ
cblr-14250	402	2	.	.	NOUN
cblr-14250	402	3	1	1	NUM
cblr-14250	402	4	]	]	PUNCT
cblr-14250	402	5	risk	risk	NOUN
cblr-14250	402	6	,	,	PUNCT
cblr-14250	402	7	discretion	discretion	NOUN
cblr-14250	402	8	,	,	PUNCT
cblr-14250	402	9	and	and	CCONJ
cblr-14250	402	10	bank	bank	NOUN
cblr-14250	402	11	supervision	supervision	NOUN
cblr-14250	402	12	163	163	NUM
cblr-14250	402	13	because	because	SCONJ
cblr-14250	402	14	the	the	DET
cblr-14250	402	15	law	law	NOUN
cblr-14250	402	16	gave	give	VERB
cblr-14250	402	17	little	little	ADJ
cblr-14250	402	18	clear	clear	ADJ
cblr-14250	402	19	guidance	guidance	NOUN
cblr-14250	402	20	on	on	ADP
cblr-14250	402	21	what	what	PRON
cblr-14250	402	22	federal	federal	ADJ
cblr-14250	402	23	examiners	examiner	NOUN
cblr-14250	402	24	’	’	PART
cblr-14250	402	25	responsibilities	responsibility	NOUN
cblr-14250	402	26	should	should	AUX
cblr-14250	402	27	be	be	AUX
cblr-14250	402	28	.	.	PUNCT
cblr-14250	403	1	congress	congress	PROPN
cblr-14250	403	2	provided	provide	VERB
cblr-14250	403	3	for	for	ADP
cblr-14250	403	4	examination	examination	NOUN
cblr-14250	403	5	regimes	regime	NOUN
cblr-14250	403	6	in	in	ADP
cblr-14250	403	7	the	the	DET
cblr-14250	403	8	past	past	NOUN
cblr-14250	403	9	,	,	PUNCT
cblr-14250	403	10	particularly	particularly	ADV
cblr-14250	403	11	for	for	ADP
cblr-14250	403	12	steamship	steamship	NOUN
cblr-14250	403	13	boilers	boiler	NOUN
cblr-14250	403	14	and	and	CCONJ
cblr-14250	403	15	imported	import	VERB
cblr-14250	403	16	medicines,75	medicines,75	NOUN
cblr-14250	403	17	but	but	CCONJ
cblr-14250	403	18	these	these	DET
cblr-14250	403	19	earlier	early	ADJ
cblr-14250	403	20	regimes	regime	NOUN
cblr-14250	403	21	were	be	AUX
cblr-14250	403	22	designed	design	VERB
cblr-14250	403	23	to	to	PART
cblr-14250	403	24	be	be	AUX
cblr-14250	403	25	ad	ad	X
cblr-14250	403	26	hoc	hoc	X
cblr-14250	403	27	interventions	intervention	NOUN
cblr-14250	403	28	rather	rather	ADV
cblr-14250	403	29	than	than	ADP
cblr-14250	403	30	a	a	DET
cblr-14250	403	31	permanent	permanent	ADJ
cblr-14250	403	32	bureaucracy	bureaucracy	NOUN
cblr-14250	403	33	.	.	PUNCT
cblr-14250	404	1	congress	congress	PROPN
cblr-14250	404	2	continued	continue	VERB
cblr-14250	404	3	that	that	DET
cblr-14250	404	4	approach	approach	NOUN
cblr-14250	404	5	in	in	ADP
cblr-14250	404	6	the	the	DET
cblr-14250	404	7	national	national	ADJ
cblr-14250	404	8	banking	banking	NOUN
cblr-14250	404	9	acts	act	NOUN
cblr-14250	404	10	.	.	PUNCT
cblr-14250	405	1	examiners	examiner	NOUN
cblr-14250	405	2	would	would	AUX
cblr-14250	405	3	be	be	AUX
cblr-14250	405	4	appointed	appoint	VERB
cblr-14250	405	5	“	"	PUNCT
cblr-14250	405	6	as	as	ADV
cblr-14250	405	7	often	often	ADV
cblr-14250	405	8	as	as	SCONJ
cblr-14250	405	9	shall	shall	AUX
cblr-14250	405	10	be	be	AUX
cblr-14250	405	11	deemed	deem	VERB
cblr-14250	405	12	necessary	necessary	ADJ
cblr-14250	405	13	and	and	CCONJ
cblr-14250	405	14	proper	proper	ADJ
cblr-14250	405	15	”	"	PUNCT
cblr-14250	405	16	by	by	ADP
cblr-14250	405	17	the	the	DET
cblr-14250	405	18	comptroller.76	comptroller.76	PROPN
cblr-14250	405	19	the	the	DET
cblr-14250	405	20	innovation	innovation	NOUN
cblr-14250	405	21	of	of	ADP
cblr-14250	405	22	giving	give	VERB
cblr-14250	405	23	supervisors	supervisor	NOUN
cblr-14250	405	24	discretion	discretion	NOUN
cblr-14250	405	25	starts	start	VERB
cblr-14250	405	26	with	with	ADP
cblr-14250	405	27	that	that	DET
cblr-14250	405	28	legislative	legislative	ADJ
cblr-14250	405	29	delegation	delegation	NOUN
cblr-14250	405	30	,	,	PUNCT
cblr-14250	405	31	with	with	ADP
cblr-14250	405	32	the	the	DET
cblr-14250	405	33	very	very	ADJ
cblr-14250	405	34	determination	determination	NOUN
cblr-14250	405	35	of	of	ADP
cblr-14250	405	36	when	when	SCONJ
cblr-14250	405	37	government	government	NOUN
cblr-14250	405	38	oversight	oversight	NOUN
cblr-14250	405	39	would	would	AUX
cblr-14250	405	40	be	be	AUX
cblr-14250	405	41	performed	perform	VERB
cblr-14250	405	42	.	.	PUNCT
cblr-14250	406	1	the	the	DET
cblr-14250	406	2	second	second	ADJ
cblr-14250	406	3	development	development	NOUN
cblr-14250	406	4	was	be	AUX
cblr-14250	406	5	the	the	DET
cblr-14250	406	6	almost	almost	ADV
cblr-14250	406	7	immediate	immediate	ADJ
cblr-14250	406	8	expansion	expansion	NOUN
cblr-14250	406	9	of	of	ADP
cblr-14250	406	10	supervisory	supervisory	ADJ
cblr-14250	406	11	authority	authority	NOUN
cblr-14250	406	12	beyond	beyond	ADP
cblr-14250	406	13	the	the	DET
cblr-14250	406	14	focus	focus	NOUN
cblr-14250	406	15	on	on	ADP
cblr-14250	406	16	the	the	DET
cblr-14250	406	17	soundness	soundness	NOUN
cblr-14250	406	18	of	of	ADP
cblr-14250	406	19	currency	currency	NOUN
cblr-14250	406	20	.	.	PUNCT
cblr-14250	407	1	“	"	PUNCT
cblr-14250	407	2	it	it	PRON
cblr-14250	407	3	is	be	AUX
cblr-14250	407	4	a	a	DET
cblr-14250	407	5	common	common	ADJ
cblr-14250	407	6	saying	saying	NOUN
cblr-14250	407	7	among	among	ADP
cblr-14250	407	8	bankers	banker	NOUN
cblr-14250	407	9	,	,	PUNCT
cblr-14250	407	10	when	when	SCONJ
cblr-14250	407	11	speaking	speak	VERB
cblr-14250	407	12	of	of	ADP
cblr-14250	407	13	governmental	governmental	ADJ
cblr-14250	407	14	supervision	supervision	NOUN
cblr-14250	407	15	,	,	PUNCT
cblr-14250	407	16	‘	'	PUNCT
cblr-14250	407	17	take	take	VERB
cblr-14250	407	18	care	care	NOUN
cblr-14250	407	19	of	of	ADP
cblr-14250	407	20	the	the	DET
cblr-14250	407	21	currency	currency	NOUN
cblr-14250	407	22	;	;	PUNCT
cblr-14250	407	23	make	make	VERB
cblr-14250	407	24	that	that	SCONJ
cblr-14250	407	25	as	as	ADV
cblr-14250	407	26	secure	secure	ADJ
cblr-14250	407	27	as	as	ADP
cblr-14250	407	28	possible	possible	ADJ
cblr-14250	407	29	,	,	PUNCT
cblr-14250	407	30	but	but	CCONJ
cblr-14250	407	31	do	do	AUX
cblr-14250	407	32	not	not	PART
cblr-14250	407	33	interfere	interfere	VERB
cblr-14250	407	34	with	with	ADP
cblr-14250	407	35	the	the	DET
cblr-14250	407	36	business	business	NOUN
cblr-14250	407	37	of	of	ADP
cblr-14250	407	38	the	the	DET
cblr-14250	407	39	banks	bank	NOUN
cblr-14250	407	40	,	,	PUNCT
cblr-14250	407	41	’	'	PUNCT
cblr-14250	407	42	”	"	PUNCT
cblr-14250	407	43	comptroller	comptroller	NOUN
cblr-14250	407	44	hiland	hiland	PROPN
cblr-14250	407	45	r.	r.	PROPN
cblr-14250	407	46	hulburd	hulburd	PROPN
cblr-14250	407	47	observed	observe	VERB
cblr-14250	407	48	in	in	ADP
cblr-14250	407	49	1869	1869	NUM
cblr-14250	407	50	.	.	PUNCT
cblr-14250	408	1	“	"	PUNCT
cblr-14250	408	2	as	as	ADV
cblr-14250	408	3	far	far	ADV
cblr-14250	408	4	as	as	ADP
cblr-14250	408	5	practicable	practicable	ADJ
cblr-14250	408	6	,	,	PUNCT
cblr-14250	408	7	”	"	PUNCT
cblr-14250	408	8	he	he	PRON
cblr-14250	408	9	continued	continue	VERB
cblr-14250	408	10	,	,	PUNCT
cblr-14250	408	11	“	"	PUNCT
cblr-14250	408	12	business	business	NOUN
cblr-14250	408	13	should	should	AUX
cblr-14250	408	14	be	be	AUX
cblr-14250	408	15	left	leave	VERB
cblr-14250	408	16	free	free	ADJ
cblr-14250	408	17	and	and	CCONJ
cblr-14250	408	18	untrammeled	untrammeled	ADJ
cblr-14250	408	19	;	;	PUNCT
cblr-14250	408	20	but	but	CCONJ
cblr-14250	408	21	in	in	ADP
cblr-14250	408	22	this	this	DET
cblr-14250	408	23	country	country	NOUN
cblr-14250	408	24	,	,	PUNCT
cblr-14250	408	25	the	the	DET
cblr-14250	408	26	business	business	NOUN
cblr-14250	408	27	of	of	ADP
cblr-14250	408	28	issuing	issue	VERB
cblr-14250	408	29	circulating	circulate	VERB
cblr-14250	408	30	notes	note	NOUN
cblr-14250	408	31	is	be	AUX
cblr-14250	408	32	so	so	ADV
cblr-14250	408	33	involved	involved	ADJ
cblr-14250	408	34	with	with	ADP
cblr-14250	408	35	the	the	DET
cblr-14250	408	36	lending	lending	NOUN
cblr-14250	408	37	of	of	ADP
cblr-14250	408	38	money	money	NOUN
cblr-14250	408	39	;	;	PUNCT
cblr-14250	408	40	the	the	DET
cblr-14250	408	41	ability	ability	NOUN
cblr-14250	408	42	to	to	PART
cblr-14250	408	43	redeem	redeem	VERB
cblr-14250	408	44	on	on	ADP
cblr-14250	408	45	demand	demand	NOUN
cblr-14250	408	46	is	be	AUX
cblr-14250	408	47	so	so	ADV
cblr-14250	408	48	dependent	dependent	ADJ
cblr-14250	408	49	on	on	ADP
cblr-14250	408	50	the	the	DET
cblr-14250	408	51	amount	amount	NOUN
cblr-14250	408	52	of	of	ADP
cblr-14250	408	53	reserve	reserve	NOUN
cblr-14250	408	54	kept	keep	VERB
cblr-14250	408	55	on	on	ADP
cblr-14250	408	56	hand	hand	NOUN
cblr-14250	408	57	,	,	PUNCT
cblr-14250	408	58	and	and	CCONJ
cblr-14250	408	59	the	the	DET
cblr-14250	408	60	character	character	NOUN
cblr-14250	408	61	of	of	ADP
cblr-14250	408	62	the	the	DET
cblr-14250	408	63	loan	loan	NOUN
cblr-14250	408	64	,	,	PUNCT
cblr-14250	408	65	that	that	SCONJ
cblr-14250	408	66	it	it	PRON
cblr-14250	408	67	is	be	AUX
cblr-14250	408	68	impossible	impossible	ADJ
cblr-14250	408	69	to	to	PART
cblr-14250	408	70	apply	apply	VERB
cblr-14250	408	71	safeguards	safeguard	NOUN
cblr-14250	408	72	to	to	ADP
cblr-14250	408	73	the	the	DET
cblr-14250	408	74	currency	currency	NOUN
cblr-14250	408	75	,	,	PUNCT
cblr-14250	408	76	without	without	ADP
cblr-14250	408	77	applying	apply	VERB
cblr-14250	408	78	prudence	prudence	NOUN
cblr-14250	408	79	and	and	CCONJ
cblr-14250	408	80	reasonable	reasonable	ADJ
cblr-14250	408	81	restrictions	restriction	NOUN
cblr-14250	408	82	to	to	ADP
cblr-14250	408	83	the	the	DET
cblr-14250	408	84	business	business	NOUN
cblr-14250	408	85	of	of	ADP
cblr-14250	408	86	lending	lending	NOUN
cblr-14250	408	87	.	.	PUNCT
cblr-14250	409	1	”77	”77	NOUN
cblr-14250	409	2	put	put	VERB
cblr-14250	409	3	differently	differently	ADV
cblr-14250	409	4	,	,	PUNCT
cblr-14250	409	5	although	although	SCONJ
cblr-14250	409	6	the	the	DET
cblr-14250	409	7	national	national	PROPN
cblr-14250	409	8	bank	bank	PROPN
cblr-14250	409	9	acts	act	NOUN
cblr-14250	409	10	made	make	VERB
cblr-14250	409	11	bank	bank	NOUN
cblr-14250	409	12	notes	note	NOUN
cblr-14250	409	13	secure	secure	ADJ
cblr-14250	409	14	by	by	ADP
cblr-14250	409	15	backing	back	VERB
cblr-14250	409	16	them	they	PRON
cblr-14250	409	17	with	with	ADP
cblr-14250	409	18	u.s	u.s	PROPN
cblr-14250	409	19	.	.	PROPN
cblr-14250	409	20	bonds	bond	NOUN
cblr-14250	409	21	,	,	PUNCT
cblr-14250	409	22	the	the	DET
cblr-14250	409	23	banking	banking	NOUN
cblr-14250	409	24	system	system	NOUN
cblr-14250	409	25	75	75	NUM
cblr-14250	409	26	the	the	DET
cblr-14250	409	27	steam	steam	NOUN
cblr-14250	409	28	inspection	inspection	NOUN
cblr-14250	409	29	regime	regime	NOUN
cblr-14250	409	30	of	of	ADP
cblr-14250	409	31	1838	1838	NUM
cblr-14250	409	32	looked	look	VERB
cblr-14250	409	33	much	much	ADV
cblr-14250	409	34	like	like	ADP
cblr-14250	409	35	the	the	DET
cblr-14250	409	36	bank	bank	NOUN
cblr-14250	409	37	examination	examination	NOUN
cblr-14250	409	38	regime	regime	NOUN
cblr-14250	409	39	of	of	ADP
cblr-14250	409	40	1864	1864	NUM
cblr-14250	409	41	,	,	PUNCT
cblr-14250	409	42	but	but	CCONJ
cblr-14250	409	43	in	in	ADP
cblr-14250	409	44	the	the	DET
cblr-14250	409	45	meantime	meantime	NOUN
cblr-14250	409	46	,	,	PUNCT
cblr-14250	409	47	the	the	DET
cblr-14250	409	48	steam	steam	NOUN
cblr-14250	409	49	examination	examination	NOUN
cblr-14250	409	50	regime	regime	NOUN
cblr-14250	409	51	had	have	AUX
cblr-14250	409	52	made	make	VERB
cblr-14250	409	53	major	major	ADJ
cblr-14250	409	54	advances	advance	NOUN
cblr-14250	409	55	that	that	PRON
cblr-14250	409	56	were	be	AUX
cblr-14250	409	57	not	not	PART
cblr-14250	409	58	incorporated	incorporate	VERB
cblr-14250	409	59	into	into	ADP
cblr-14250	409	60	bank	bank	NOUN
cblr-14250	409	61	examination	examination	NOUN
cblr-14250	409	62	.	.	PUNCT
cblr-14250	410	1	jerry	jerry	PROPN
cblr-14250	410	2	l.	l.	PROPN
cblr-14250	410	3	mashaw	mashaw	PROPN
cblr-14250	410	4	,	,	PUNCT
cblr-14250	410	5	creating	create	VERB
cblr-14250	410	6	the	the	DET
cblr-14250	410	7	administrative	administrative	ADJ
cblr-14250	410	8	constitution	constitution	NOUN
cblr-14250	410	9	:	:	PUNCT
cblr-14250	410	10	the	the	DET
cblr-14250	410	11	lost	lose	VERB
cblr-14250	410	12	one	one	NUM
cblr-14250	410	13	hundred	hundred	NUM
cblr-14250	410	14	years	year	NOUN
cblr-14250	410	15	of	of	ADP
cblr-14250	410	16	american	american	ADJ
cblr-14250	410	17	administrative	administrative	PROPN
cblr-14250	410	18	law	law	PROPN
cblr-14250	410	19	187–208	187–208	NUM
cblr-14250	410	20	(	(	PUNCT
cblr-14250	410	21	2012	2012	NUM
cblr-14250	410	22	)	)	PUNCT
cblr-14250	410	23	;	;	PUNCT
cblr-14250	410	24	act	act	NOUN
cblr-14250	410	25	of	of	ADP
cblr-14250	410	26	july	july	PROPN
cblr-14250	410	27	7	7	NUM
cblr-14250	410	28	,	,	PUNCT
cblr-14250	410	29	1838	1838	NUM
cblr-14250	410	30	,	,	PUNCT
cblr-14250	410	31	ch	ch	NOUN
cblr-14250	410	32	.	.	NOUN
cblr-14250	410	33	191	191	NUM
cblr-14250	410	34	,	,	PUNCT
cblr-14250	410	35	5	5	NUM
cblr-14250	410	36	stat	stat	NOUN
cblr-14250	410	37	.	.	PUNCT
cblr-14250	411	1	304	304	NUM
cblr-14250	411	2	.	.	PUNCT
cblr-14250	412	1	76	76	NUM
cblr-14250	412	2	national	national	PROPN
cblr-14250	412	3	banking	banking	PROPN
cblr-14250	412	4	act	act	PROPN
cblr-14250	412	5	,	,	PUNCT
cblr-14250	412	6	ch	ch	NOUN
cblr-14250	412	7	.	.	PROPN
cblr-14250	412	8	106	106	NUM
cblr-14250	412	9	,	,	PUNCT
cblr-14250	412	10	§	§	PROPN
cblr-14250	412	11	54	54	NUM
cblr-14250	412	12	,	,	PUNCT
cblr-14250	412	13	13	13	NUM
cblr-14250	412	14	stat	stat	NOUN
cblr-14250	412	15	.	.	PUNCT
cblr-14250	413	1	99	99	NUM
cblr-14250	413	2	(	(	PUNCT
cblr-14250	413	3	1864	1864	NUM
cblr-14250	413	4	)	)	PUNCT
cblr-14250	413	5	.	.	PUNCT
cblr-14250	414	1	77	77	NUM
cblr-14250	414	2	annual	annual	ADJ
cblr-14250	414	3	report	report	NOUN
cblr-14250	414	4	of	of	ADP
cblr-14250	414	5	the	the	DET
cblr-14250	414	6	off	off	NOUN
cblr-14250	414	7	.	.	PUNCT
cblr-14250	415	1	of	of	ADP
cblr-14250	415	2	the	the	DET
cblr-14250	415	3	comptroller	comptroller	NOUN
cblr-14250	415	4	of	of	ADP
cblr-14250	415	5	the	the	DET
cblr-14250	415	6	currency	currency	NOUN
cblr-14250	415	7	xiii	xiii	PROPN
cblr-14250	415	8	–	–	PUNCT
cblr-14250	415	9	xiv	xiv	PROPN
cblr-14250	415	10	(	(	PUNCT
cblr-14250	415	11	1869	1869	NUM
cblr-14250	415	12	)	)	PUNCT
cblr-14250	415	13	.	.	PUNCT
cblr-14250	416	1	164	164	NUM
cblr-14250	416	2	columbia	columbia	PROPN
cblr-14250	416	3	business	business	NOUN
cblr-14250	416	4	law	law	PROPN
cblr-14250	416	5	review	review	NOUN
cblr-14250	416	6	[	[	X
cblr-14250	416	7	vol	vol	NOUN
cblr-14250	416	8	.	.	PUNCT
cblr-14250	416	9	2025	2025	NUM
cblr-14250	416	10	was	be	AUX
cblr-14250	416	11	still	still	ADV
cblr-14250	416	12	replete	replete	ADJ
cblr-14250	416	13	with	with	ADP
cblr-14250	416	14	risks	risk	NOUN
cblr-14250	416	15	that	that	PRON
cblr-14250	416	16	could	could	AUX
cblr-14250	416	17	sweep	sweep	VERB
cblr-14250	416	18	away	away	ADP
cblr-14250	416	19	the	the	DET
cblr-14250	416	20	banks	bank	NOUN
cblr-14250	416	21	.	.	PUNCT
cblr-14250	417	1	supervisors	supervisor	NOUN
cblr-14250	417	2	needed	need	VERB
cblr-14250	417	3	to	to	PART
cblr-14250	417	4	monitor	monitor	VERB
cblr-14250	417	5	and	and	CCONJ
cblr-14250	417	6	control	control	VERB
cblr-14250	417	7	those	those	DET
cblr-14250	417	8	risks	risk	NOUN
cblr-14250	417	9	.	.	PUNCT
cblr-14250	418	1	to	to	PART
cblr-14250	418	2	provide	provide	VERB
cblr-14250	418	3	prudence	prudence	NOUN
cblr-14250	418	4	and	and	CCONJ
cblr-14250	418	5	occasional	occasional	ADJ
cblr-14250	418	6	restrictions	restriction	NOUN
cblr-14250	418	7	,	,	PUNCT
cblr-14250	418	8	mcculloch	mcculloch	PROPN
cblr-14250	418	9	,	,	PUNCT
cblr-14250	418	10	hulburd	hulburd	NOUN
cblr-14250	418	11	,	,	PUNCT
cblr-14250	418	12	and	and	CCONJ
cblr-14250	418	13	their	their	PRON
cblr-14250	418	14	successors	successor	NOUN
cblr-14250	418	15	took	take	VERB
cblr-14250	418	16	the	the	DET
cblr-14250	418	17	ambiguities	ambiguity	NOUN
cblr-14250	418	18	of	of	ADP
cblr-14250	418	19	legislation	legislation	NOUN
cblr-14250	418	20	and	and	CCONJ
cblr-14250	418	21	interpreted	interpret	VERB
cblr-14250	418	22	them	they	PRON
cblr-14250	418	23	in	in	ADP
cblr-14250	418	24	favor	favor	NOUN
cblr-14250	418	25	of	of	ADP
cblr-14250	418	26	permanent	permanent	ADJ
cblr-14250	418	27	,	,	PUNCT
cblr-14250	418	28	wide	wide	ADV
cblr-14250	418	29	-	-	PUNCT
cblr-14250	418	30	ranging	range	VERB
cblr-14250	418	31	bank	bank	NOUN
cblr-14250	418	32	oversight	oversight	NOUN
cblr-14250	418	33	.	.	PUNCT
cblr-14250	419	1	these	these	DET
cblr-14250	419	2	early	early	ADJ
cblr-14250	419	3	comptrollers	comptroller	NOUN
cblr-14250	419	4	sought	seek	VERB
cblr-14250	419	5	a	a	DET
cblr-14250	419	6	thriving	thriving	ADJ
cblr-14250	419	7	experiment	experiment	NOUN
cblr-14250	419	8	in	in	ADP
cblr-14250	419	9	national	national	ADJ
cblr-14250	419	10	banking	banking	NOUN
cblr-14250	419	11	,	,	PUNCT
cblr-14250	419	12	and	and	CCONJ
cblr-14250	419	13	that	that	PRON
cblr-14250	419	14	necessitated	necessitate	VERB
cblr-14250	419	15	a	a	DET
cblr-14250	419	16	partnership	partnership	NOUN
cblr-14250	419	17	,	,	PUNCT
cblr-14250	419	18	intermediated	intermediate	VERB
cblr-14250	419	19	by	by	ADP
cblr-14250	419	20	bank	bank	NOUN
cblr-14250	419	21	examiners	examiner	NOUN
cblr-14250	419	22	,	,	PUNCT
cblr-14250	419	23	between	between	ADP
cblr-14250	419	24	the	the	DET
cblr-14250	419	25	comptroller	comptroller	NOUN
cblr-14250	419	26	and	and	CCONJ
cblr-14250	419	27	bankers	banker	NOUN
cblr-14250	419	28	.	.	PUNCT
cblr-14250	420	1	the	the	DET
cblr-14250	420	2	key	key	NOUN
cblr-14250	420	3	to	to	ADP
cblr-14250	420	4	this	this	DET
cblr-14250	420	5	intermediation	intermediation	NOUN
cblr-14250	420	6	experiment	experiment	NOUN
cblr-14250	420	7	was	be	AUX
cblr-14250	420	8	the	the	DET
cblr-14250	420	9	development	development	NOUN
cblr-14250	420	10	of	of	ADP
cblr-14250	420	11	discretionary	discretionary	ADJ
cblr-14250	420	12	supervisory	supervisory	ADJ
cblr-14250	420	13	tools	tool	NOUN
cblr-14250	420	14	,	,	PUNCT
cblr-14250	420	15	including	include	VERB
cblr-14250	420	16	chartering	chartering	NOUN
cblr-14250	420	17	,	,	PUNCT
cblr-14250	420	18	examination	examination	NOUN
cblr-14250	420	19	,	,	PUNCT
cblr-14250	420	20	and	and	CCONJ
cblr-14250	420	21	receivership	receivership	NOUN
cblr-14250	420	22	,	,	PUNCT
cblr-14250	420	23	and	and	CCONJ
cblr-14250	420	24	the	the	DET
cblr-14250	420	25	backing	backing	NOUN
cblr-14250	420	26	provided	provide	VERB
cblr-14250	420	27	to	to	ADP
cblr-14250	420	28	them	they	PRON
cblr-14250	420	29	by	by	ADP
cblr-14250	420	30	the	the	DET
cblr-14250	420	31	new	new	ADJ
cblr-14250	420	32	occ	occ	NOUN
cblr-14250	420	33	and	and	CCONJ
cblr-14250	420	34	the	the	DET
cblr-14250	420	35	emerging	emerge	VERB
cblr-14250	420	36	federal	federal	ADJ
cblr-14250	420	37	administrative	administrative	PROPN
cblr-14250	420	38	bureaucracy.78	bureaucracy.78	PROPN
cblr-14250	420	39	in	in	ADP
cblr-14250	420	40	the	the	DET
cblr-14250	420	41	process	process	NOUN
cblr-14250	420	42	of	of	ADP
cblr-14250	420	43	institutionalizing	institutionalize	VERB
cblr-14250	420	44	bank	bank	NOUN
cblr-14250	420	45	supervision	supervision	NOUN
cblr-14250	420	46	,	,	PUNCT
cblr-14250	420	47	federal	federal	ADJ
cblr-14250	420	48	examiners	examiner	NOUN
cblr-14250	420	49	were	be	AUX
cblr-14250	420	50	often	often	ADV
cblr-14250	420	51	compelled	compel	VERB
cblr-14250	420	52	to	to	PART
cblr-14250	420	53	interpret	interpret	VERB
cblr-14250	420	54	their	their	PRON
cblr-14250	420	55	broad	broad	ADJ
cblr-14250	420	56	congressional	congressional	ADJ
cblr-14250	420	57	authority	authority	NOUN
cblr-14250	420	58	as	as	ADP
cblr-14250	420	59	attaching	attach	VERB
cblr-14250	420	60	to	to	ADP
cblr-14250	420	61	more	more	ADJ
cblr-14250	420	62	and	and	CCONJ
cblr-14250	420	63	more	more	ADJ
cblr-14250	420	64	banking	banking	NOUN
cblr-14250	420	65	practices	practice	NOUN
cblr-14250	420	66	.	.	PUNCT
cblr-14250	421	1	viewed	view	VERB
cblr-14250	421	2	positively	positively	ADV
cblr-14250	421	3	,	,	PUNCT
cblr-14250	421	4	this	this	PRON
cblr-14250	421	5	involved	involve	VERB
cblr-14250	421	6	guiding	guide	VERB
cblr-14250	421	7	bankers	banker	NOUN
cblr-14250	421	8	toward	toward	ADP
cblr-14250	421	9	“	"	PUNCT
cblr-14250	421	10	a	a	DET
cblr-14250	421	11	straightforward	straightforward	ADJ
cblr-14250	421	12	,	,	PUNCT
cblr-14250	421	13	upright	upright	ADJ
cblr-14250	421	14	,	,	PUNCT
cblr-14250	421	15	legitimate	legitimate	ADJ
cblr-14250	421	16	banking	banking	NOUN
cblr-14250	421	17	business	business	NOUN
cblr-14250	421	18	,	,	PUNCT
cblr-14250	421	19	”	"	PUNCT
cblr-14250	421	20	as	as	SCONJ
cblr-14250	421	21	mcculloch	mcculloch	PROPN
cblr-14250	421	22	phrased	phrase	VERB
cblr-14250	421	23	it	it	PRON
cblr-14250	421	24	,	,	PUNCT
cblr-14250	421	25	and	and	CCONJ
cblr-14250	421	26	away	away	ADV
cblr-14250	421	27	from	from	ADP
cblr-14250	421	28	“	"	PUNCT
cblr-14250	421	29	splendid	splendid	ADJ
cblr-14250	421	30	financiering	financiering	NOUN
cblr-14250	421	31	.	.	PUNCT
cblr-14250	422	1	”79	”79	NOUN
cblr-14250	422	2	bankers	banker	NOUN
cblr-14250	422	3	pushed	push	VERB
cblr-14250	422	4	back	back	ADV
cblr-14250	422	5	,	,	PUNCT
cblr-14250	422	6	sometimes	sometimes	ADV
cblr-14250	422	7	aggressively	aggressively	ADV
cblr-14250	422	8	:	:	PUNCT
cblr-14250	422	9	“	"	PUNCT
cblr-14250	422	10	there	there	PRON
cblr-14250	422	11	is	be	VERB
cblr-14250	422	12	no	no	DET
cblr-14250	422	13	authority	authority	NOUN
cblr-14250	422	14	in	in	ADP
cblr-14250	422	15	law	law	NOUN
cblr-14250	422	16	”	"	PUNCT
cblr-14250	422	17	to	to	PART
cblr-14250	422	18	do	do	VERB
cblr-14250	422	19	what	what	PRON
cblr-14250	422	20	the	the	DET
cblr-14250	422	21	comptroller	comptroller	NOUN
cblr-14250	422	22	had	have	AUX
cblr-14250	422	23	done	do	VERB
cblr-14250	422	24	,	,	PUNCT
cblr-14250	422	25	the	the	DET
cblr-14250	422	26	new	new	PROPN
cblr-14250	422	27	york	york	PROPN
cblr-14250	422	28	magazine	magazine	PROPN
cblr-14250	422	29	financier	financier	PROPN
cblr-14250	422	30	objected	object	VERB
cblr-14250	422	31	in	in	ADP
cblr-14250	422	32	january	january	PROPN
cblr-14250	422	33	1872	1872	NUM
cblr-14250	422	34	;	;	PUNCT
cblr-14250	422	35	“	"	PUNCT
cblr-14250	422	36	[	[	X
cblr-14250	422	37	n]o	n]o	ADP
cblr-14250	422	38	such	such	ADJ
cblr-14250	422	39	office	office	NOUN
cblr-14250	422	40	as	as	SCONJ
cblr-14250	422	41	bank	bank	NOUN
cblr-14250	422	42	examiner	examiner	NOUN
cblr-14250	422	43	was	be	AUX
cblr-14250	422	44	ever	ever	ADV
cblr-14250	422	45	created	create	VERB
cblr-14250	422	46	.	.	PUNCT
cblr-14250	422	47	”	"	PUNCT
cblr-14250	423	1	but	but	CCONJ
cblr-14250	423	2	by	by	ADP
cblr-14250	423	3	the	the	DET
cblr-14250	423	4	time	time	NOUN
cblr-14250	423	5	bankers	banker	NOUN
cblr-14250	423	6	started	start	VERB
cblr-14250	423	7	making	make	VERB
cblr-14250	423	8	this	this	DET
cblr-14250	423	9	complaint	complaint	NOUN
cblr-14250	423	10	,	,	PUNCT
cblr-14250	423	11	it	it	PRON
cblr-14250	423	12	was	be	AUX
cblr-14250	423	13	too	too	ADV
cblr-14250	423	14	late	late	ADV
cblr-14250	423	15	;	;	PUNCT
cblr-14250	423	16	the	the	DET
cblr-14250	423	17	bank	bank	NOUN
cblr-14250	423	18	examiners	examiner	NOUN
cblr-14250	423	19	would	would	AUX
cblr-14250	423	20	never	never	ADV
cblr-14250	423	21	depart	depart	VERB
cblr-14250	423	22	the	the	DET
cblr-14250	423	23	scene	scene	NOUN
cblr-14250	423	24	again.80	again.80	PROPN
cblr-14250	423	25	78	78	NUM
cblr-14250	423	26	for	for	ADP
cblr-14250	423	27	important	important	ADJ
cblr-14250	423	28	works	work	NOUN
cblr-14250	423	29	on	on	ADP
cblr-14250	423	30	the	the	DET
cblr-14250	423	31	development	development	NOUN
cblr-14250	423	32	of	of	ADP
cblr-14250	423	33	the	the	DET
cblr-14250	423	34	american	american	PROPN
cblr-14250	423	35	administrative	administrative	PROPN
cblr-14250	423	36	state	state	PROPN
cblr-14250	423	37	,	,	PUNCT
cblr-14250	423	38	see	see	VERB
cblr-14250	423	39	richard	richard	PROPN
cblr-14250	423	40	bensel	bensel	PROPN
cblr-14250	423	41	,	,	PUNCT
cblr-14250	423	42	yankee	yankee	PROPN
cblr-14250	423	43	leviathan	leviathan	PROPN
cblr-14250	423	44	:	:	PUNCT
cblr-14250	423	45	the	the	DET
cblr-14250	423	46	origins	origin	NOUN
cblr-14250	423	47	of	of	ADP
cblr-14250	423	48	central	central	ADJ
cblr-14250	423	49	state	state	NOUN
cblr-14250	423	50	authority	authority	NOUN
cblr-14250	423	51	in	in	ADP
cblr-14250	423	52	america	america	PROPN
cblr-14250	423	53	,	,	PUNCT
cblr-14250	423	54	1859–77	1859–77	NUM
cblr-14250	423	55	(	(	PUNCT
cblr-14250	423	56	1990	1990	NUM
cblr-14250	423	57	)	)	PUNCT
cblr-14250	423	58	;	;	PUNCT
cblr-14250	423	59	brian	brian	PROPN
cblr-14250	423	60	balogh	balogh	PROPN
cblr-14250	423	61	,	,	PUNCT
cblr-14250	423	62	government	government	NOUN
cblr-14250	423	63	out	out	ADP
cblr-14250	423	64	of	of	ADP
cblr-14250	423	65	sight	sight	NOUN
cblr-14250	423	66	:	:	PUNCT
cblr-14250	423	67	the	the	DET
cblr-14250	423	68	mystery	mystery	NOUN
cblr-14250	423	69	of	of	ADP
cblr-14250	423	70	national	national	ADJ
cblr-14250	423	71	authority	authority	NOUN
cblr-14250	423	72	in	in	ADP
cblr-14250	423	73	nineteenthcentury	nineteenthcentury	PROPN
cblr-14250	423	74	america	america	PROPN
cblr-14250	423	75	(	(	PUNCT
cblr-14250	423	76	2009	2009	NUM
cblr-14250	423	77	)	)	PUNCT
cblr-14250	423	78	;	;	PUNCT
cblr-14250	423	79	jerry	jerry	PROPN
cblr-14250	423	80	l.	l.	PROPN
cblr-14250	423	81	mashaw	mashaw	PROPN
cblr-14250	423	82	,	,	PUNCT
cblr-14250	423	83	federal	federal	ADJ
cblr-14250	423	84	administration	administration	NOUN
cblr-14250	423	85	and	and	CCONJ
cblr-14250	423	86	administrative	administrative	ADJ
cblr-14250	423	87	law	law	NOUN
cblr-14250	423	88	in	in	ADP
cblr-14250	423	89	the	the	DET
cblr-14250	423	90	gilded	gild	VERB
cblr-14250	423	91	age	age	NOUN
cblr-14250	423	92	,	,	PUNCT
cblr-14250	423	93	119	119	NUM
cblr-14250	423	94	yale	yale	PROPN
cblr-14250	423	95	l.j	l.j	PROPN
cblr-14250	423	96	.	.	PROPN
cblr-14250	423	97	1365	1365	NUM
cblr-14250	423	98	(	(	PUNCT
cblr-14250	423	99	2010	2010	NUM
cblr-14250	423	100	)	)	PUNCT
cblr-14250	423	101	.	.	PUNCT
cblr-14250	424	1	79	79	NUM
cblr-14250	424	2	hugh	hugh	PROPN
cblr-14250	424	3	mcculloch	mcculloch	PROPN
cblr-14250	424	4	,	,	PUNCT
cblr-14250	424	5	instructions	instruction	NOUN
cblr-14250	424	6	and	and	CCONJ
cblr-14250	424	7	suggestions	suggestion	NOUN
cblr-14250	424	8	of	of	ADP
cblr-14250	424	9	the	the	DET
cblr-14250	424	10	comptroller	comptroller	NOUN
cblr-14250	424	11	of	of	ADP
cblr-14250	424	12	the	the	DET
cblr-14250	424	13	currency	currency	NOUN
cblr-14250	424	14	in	in	ADP
cblr-14250	424	15	regard	regard	NOUN
cblr-14250	424	16	to	to	ADP
cblr-14250	424	17	the	the	DET
cblr-14250	424	18	organization	organization	NOUN
cblr-14250	424	19	and	and	CCONJ
cblr-14250	424	20	management	management	NOUN
cblr-14250	424	21	of	of	ADP
cblr-14250	424	22	national	national	ADJ
cblr-14250	424	23	banks	bank	NOUN
cblr-14250	424	24	35	35	NUM
cblr-14250	424	25	(	(	PUNCT
cblr-14250	424	26	1864	1864	NUM
cblr-14250	424	27	)	)	PUNCT
cblr-14250	424	28	.	.	PUNCT
cblr-14250	425	1	80	80	NUM
cblr-14250	426	1	the	the	DET
cblr-14250	426	2	examination	examination	NOUN
cblr-14250	426	3	of	of	ADP
cblr-14250	426	4	banks	bank	NOUN
cblr-14250	426	5	,	,	PUNCT
cblr-14250	426	6	financier	financier	NOUN
cblr-14250	426	7	,	,	PUNCT
cblr-14250	426	8	jan	jan	PROPN
cblr-14250	426	9	.	.	PROPN
cblr-14250	426	10	20	20	NUM
cblr-14250	426	11	,	,	PUNCT
cblr-14250	426	12	1871	1871	NUM
cblr-14250	426	13	,	,	PUNCT
cblr-14250	426	14	at	at	ADP
cblr-14250	426	15	39	39	NUM
cblr-14250	426	16	.	.	PUNCT
cblr-14250	427	1	no	no	INTJ
cblr-14250	427	2	.	.	NOUN
cblr-14250	427	3	1	1	NUM
cblr-14250	427	4	]	]	PUNCT
cblr-14250	427	5	risk	risk	NOUN
cblr-14250	427	6	,	,	PUNCT
cblr-14250	427	7	discretion	discretion	NOUN
cblr-14250	427	8	,	,	PUNCT
cblr-14250	427	9	and	and	CCONJ
cblr-14250	427	10	bank	bank	NOUN
cblr-14250	427	11	supervision	supervision	NOUN
cblr-14250	427	12	165	165	NUM
cblr-14250	427	13	the	the	DET
cblr-14250	427	14	third	third	ADJ
cblr-14250	427	15	major	major	NOUN
cblr-14250	427	16	,	,	PUNCT
cblr-14250	427	17	enduring	endure	VERB
cblr-14250	427	18	supervisory	supervisory	ADJ
cblr-14250	427	19	development	development	NOUN
cblr-14250	427	20	that	that	PRON
cblr-14250	427	21	arose	arise	VERB
cblr-14250	427	22	during	during	ADP
cblr-14250	427	23	this	this	DET
cblr-14250	427	24	era	era	NOUN
cblr-14250	427	25	was	be	AUX
cblr-14250	427	26	the	the	DET
cblr-14250	427	27	discovery	discovery	NOUN
cblr-14250	427	28	that	that	SCONJ
cblr-14250	427	29	purely	purely	ADV
cblr-14250	427	30	public	public	ADJ
cblr-14250	427	31	money	money	NOUN
cblr-14250	427	32	—	—	PUNCT
cblr-14250	427	33	the	the	DET
cblr-14250	427	34	greenbacks	greenback	NOUN
cblr-14250	427	35	—	—	PUNCT
cblr-14250	427	36	and	and	CCONJ
cblr-14250	427	37	purely	purely	ADV
cblr-14250	427	38	private	private	ADJ
cblr-14250	427	39	money	money	NOUN
cblr-14250	427	40	—	—	PUNCT
cblr-14250	427	41	the	the	DET
cblr-14250	427	42	free	free	ADJ
cblr-14250	427	43	banks	bank	NOUN
cblr-14250	427	44	—	—	PUNCT
cblr-14250	427	45	could	could	AUX
cblr-14250	427	46	not	not	PART
cblr-14250	427	47	meet	meet	VERB
cblr-14250	427	48	the	the	DET
cblr-14250	427	49	political	political	ADJ
cblr-14250	427	50	and	and	CCONJ
cblr-14250	427	51	financial	financial	ADJ
cblr-14250	427	52	needs	need	NOUN
cblr-14250	427	53	of	of	ADP
cblr-14250	427	54	all	all	DET
cblr-14250	427	55	parties	party	NOUN
cblr-14250	427	56	.	.	PUNCT
cblr-14250	428	1	this	this	DET
cblr-14250	428	2	recognition	recognition	NOUN
cblr-14250	428	3	led	lead	VERB
cblr-14250	428	4	to	to	ADP
cblr-14250	428	5	one	one	NUM
cblr-14250	428	6	of	of	ADP
cblr-14250	428	7	the	the	DET
cblr-14250	428	8	central	central	ADJ
cblr-14250	428	9	,	,	PUNCT
cblr-14250	428	10	durable	durable	ADJ
cblr-14250	428	11	themes	theme	NOUN
cblr-14250	428	12	of	of	ADP
cblr-14250	428	13	bank	bank	NOUN
cblr-14250	428	14	supervision	supervision	NOUN
cblr-14250	428	15	:	:	PUNCT
cblr-14250	428	16	the	the	DET
cblr-14250	428	17	adjudication	adjudication	NOUN
cblr-14250	428	18	between	between	ADP
cblr-14250	428	19	public	public	ADJ
cblr-14250	428	20	and	and	CCONJ
cblr-14250	428	21	private	private	ADJ
cblr-14250	428	22	actors	actor	NOUN
cblr-14250	428	23	for	for	ADP
cblr-14250	428	24	the	the	DET
cblr-14250	428	25	responsibility	responsibility	NOUN
cblr-14250	428	26	of	of	ADP
cblr-14250	428	27	residual	residual	ADJ
cblr-14250	428	28	risk	risk	NOUN
cblr-14250	428	29	management	management	NOUN
cblr-14250	428	30	.	.	PUNCT
cblr-14250	429	1	the	the	DET
cblr-14250	429	2	business	business	NOUN
cblr-14250	429	3	of	of	ADP
cblr-14250	429	4	banking	banking	NOUN
cblr-14250	429	5	would	would	AUX
cblr-14250	429	6	be	be	AUX
cblr-14250	429	7	left	leave	VERB
cblr-14250	429	8	to	to	ADP
cblr-14250	429	9	the	the	DET
cblr-14250	429	10	bankers	banker	NOUN
cblr-14250	429	11	,	,	PUNCT
cblr-14250	429	12	as	as	SCONJ
cblr-14250	429	13	hulburd	hulburd	NOUN
cblr-14250	429	14	explained	explain	VERB
cblr-14250	429	15	,	,	PUNCT
cblr-14250	429	16	subject	subject	ADJ
cblr-14250	429	17	to	to	ADP
cblr-14250	429	18	the	the	DET
cblr-14250	429	19	prudence	prudence	NOUN
cblr-14250	429	20	and	and	CCONJ
cblr-14250	429	21	restrictions	restriction	NOUN
cblr-14250	429	22	imposed	impose	VERB
cblr-14250	429	23	by	by	ADP
cblr-14250	429	24	the	the	DET
cblr-14250	429	25	government	government	NOUN
cblr-14250	429	26	through	through	ADP
cblr-14250	429	27	ongoing	ongoing	ADJ
cblr-14250	429	28	dialogue	dialogue	NOUN
cblr-14250	429	29	.	.	PUNCT
cblr-14250	430	1	the	the	DET
cblr-14250	430	2	national	national	ADJ
cblr-14250	430	3	banking	banking	NOUN
cblr-14250	430	4	system	system	NOUN
cblr-14250	430	5	thus	thus	ADV
cblr-14250	430	6	created	create	VERB
cblr-14250	430	7	a	a	DET
cblr-14250	430	8	framework	framework	NOUN
cblr-14250	430	9	for	for	ADP
cblr-14250	430	10	periodic	periodic	ADJ
cblr-14250	430	11	oversight	oversight	NOUN
cblr-14250	430	12	;	;	PUNCT
cblr-14250	430	13	however	however	ADV
cblr-14250	430	14	,	,	PUNCT
cblr-14250	430	15	it	it	PRON
cblr-14250	430	16	did	do	AUX
cblr-14250	430	17	not	not	PART
cblr-14250	430	18	create	create	VERB
cblr-14250	430	19	a	a	DET
cblr-14250	430	20	clear	clear	ADJ
cblr-14250	430	21	identification	identification	NOUN
cblr-14250	430	22	of	of	ADP
cblr-14250	430	23	which	which	DET
cblr-14250	430	24	aspect	aspect	NOUN
cblr-14250	430	25	of	of	ADP
cblr-14250	430	26	the	the	DET
cblr-14250	430	27	system	system	NOUN
cblr-14250	430	28	,	,	PUNCT
cblr-14250	430	29	public	public	ADJ
cblr-14250	430	30	or	or	CCONJ
cblr-14250	430	31	private	private	ADJ
cblr-14250	430	32	,	,	PUNCT
cblr-14250	430	33	would	would	AUX
cblr-14250	430	34	be	be	AUX
cblr-14250	430	35	left	leave	VERB
cblr-14250	430	36	in	in	ADP
cblr-14250	430	37	control	control	NOUN
cblr-14250	430	38	in	in	ADP
cblr-14250	430	39	the	the	DET
cblr-14250	430	40	event	event	NOUN
cblr-14250	430	41	of	of	ADP
cblr-14250	430	42	failure	failure	NOUN
cblr-14250	430	43	.	.	PUNCT
cblr-14250	431	1	that	that	DET
cblr-14250	431	2	clarity	clarity	NOUN
cblr-14250	431	3	would	would	AUX
cblr-14250	431	4	require	require	VERB
cblr-14250	431	5	many	many	ADJ
cblr-14250	431	6	more	more	ADJ
cblr-14250	431	7	decades	decade	NOUN
cblr-14250	431	8	of	of	ADP
cblr-14250	431	9	trials	trial	NOUN
cblr-14250	431	10	and	and	CCONJ
cblr-14250	431	11	errors	error	NOUN
cblr-14250	431	12	.	.	PUNCT
cblr-14250	432	1	congress	congress	PROPN
cblr-14250	432	2	gradually	gradually	ADV
cblr-14250	432	3	liberated	liberate	VERB
cblr-14250	432	4	what	what	PRON
cblr-14250	432	5	had	have	AUX
cblr-14250	432	6	been	be	AUX
cblr-14250	432	7	a	a	DET
cblr-14250	432	8	more	more	ADV
cblr-14250	432	9	rigid	rigid	ADJ
cblr-14250	432	10	chartering	chartering	NOUN
cblr-14250	432	11	process	process	NOUN
cblr-14250	432	12	for	for	ADP
cblr-14250	432	13	national	national	ADJ
cblr-14250	432	14	banks	bank	NOUN
cblr-14250	432	15	to	to	ADP
cblr-14250	432	16	a	a	DET
cblr-14250	432	17	more	more	ADV
cblr-14250	432	18	permissive	permissive	ADJ
cblr-14250	432	19	one	one	NUM
cblr-14250	432	20	in	in	ADP
cblr-14250	432	21	the	the	DET
cblr-14250	432	22	1870s	1870	NOUN
cblr-14250	432	23	.	.	PUNCT
cblr-14250	433	1	after	after	ADP
cblr-14250	433	2	that	that	DET
cblr-14250	433	3	liberation	liberation	NOUN
cblr-14250	433	4	,	,	PUNCT
cblr-14250	433	5	the	the	DET
cblr-14250	433	6	motivating	motivating	NOUN
cblr-14250	433	7	ethos	ethos	NOUN
cblr-14250	433	8	of	of	ADP
cblr-14250	433	9	bank	bank	NOUN
cblr-14250	433	10	supervision	supervision	NOUN
cblr-14250	433	11	began	begin	VERB
cblr-14250	433	12	shifting	shift	VERB
cblr-14250	433	13	from	from	ADP
cblr-14250	433	14	the	the	DET
cblr-14250	433	15	currency	currency	NOUN
cblr-14250	433	16	approach	approach	NOUN
cblr-14250	433	17	that	that	PRON
cblr-14250	433	18	focused	focus	VERB
cblr-14250	433	19	on	on	ADP
cblr-14250	433	20	verifying	verify	VERB
cblr-14250	433	21	the	the	DET
cblr-14250	433	22	soundness	soundness	NOUN
cblr-14250	433	23	of	of	ADP
cblr-14250	433	24	currency	currency	NOUN
cblr-14250	433	25	issued	issue	VERB
cblr-14250	433	26	by	by	ADP
cblr-14250	433	27	national	national	ADJ
cblr-14250	433	28	banks	bank	NOUN
cblr-14250	433	29	to	to	ADP
cblr-14250	433	30	one	one	NUM
cblr-14250	433	31	that	that	PRON
cblr-14250	433	32	emphasized	emphasize	VERB
cblr-14250	433	33	the	the	DET
cblr-14250	433	34	business	business	NOUN
cblr-14250	433	35	of	of	ADP
cblr-14250	433	36	banking	banking	NOUN
cblr-14250	433	37	more	more	ADV
cblr-14250	433	38	generally	generally	ADV
cblr-14250	433	39	.	.	PUNCT
cblr-14250	434	1	the	the	DET
cblr-14250	434	2	examination	examination	NOUN
cblr-14250	434	3	reports	report	VERB
cblr-14250	434	4	themselves	themselves	PRON
cblr-14250	434	5	marked	mark	VERB
cblr-14250	434	6	this	this	DET
cblr-14250	434	7	subtle	subtle	ADJ
cblr-14250	434	8	transition	transition	NOUN
cblr-14250	434	9	.	.	PUNCT
cblr-14250	435	1	in	in	ADP
cblr-14250	435	2	essence	essence	NOUN
cblr-14250	435	3	,	,	PUNCT
cblr-14250	435	4	the	the	DET
cblr-14250	435	5	reports	report	NOUN
cblr-14250	435	6	were	be	AUX
cblr-14250	435	7	designed	design	VERB
cblr-14250	435	8	to	to	PART
cblr-14250	435	9	enable	enable	VERB
cblr-14250	435	10	examiners	examiner	NOUN
cblr-14250	435	11	to	to	PART
cblr-14250	435	12	perform	perform	VERB
cblr-14250	435	13	the	the	DET
cblr-14250	435	14	visitorial	visitorial	ADJ
cblr-14250	435	15	function	function	NOUN
cblr-14250	435	16	of	of	ADP
cblr-14250	435	17	ensuring	ensure	VERB
cblr-14250	435	18	that	that	SCONJ
cblr-14250	435	19	banks	bank	NOUN
cblr-14250	435	20	abided	abide	VERB
cblr-14250	435	21	by	by	ADP
cblr-14250	435	22	their	their	PRON
cblr-14250	435	23	charters	charter	NOUN
cblr-14250	435	24	,	,	PUNCT
cblr-14250	435	25	with	with	ADP
cblr-14250	435	26	specific	specific	ADJ
cblr-14250	435	27	sections	section	NOUN
cblr-14250	435	28	set	set	VERB
cblr-14250	435	29	off	off	ADP
cblr-14250	435	30	to	to	PART
cblr-14250	435	31	encourage	encourage	VERB
cblr-14250	435	32	scrutiny	scrutiny	NOUN
cblr-14250	435	33	of	of	ADP
cblr-14250	435	34	whether	whether	SCONJ
cblr-14250	435	35	banks	bank	NOUN
cblr-14250	435	36	maintained	maintain	VERB
cblr-14250	435	37	an	an	DET
cblr-14250	435	38	adequate	adequate	ADJ
cblr-14250	435	39	reserve	reserve	NOUN
cblr-14250	435	40	or	or	CCONJ
cblr-14250	435	41	made	make	VERB
cblr-14250	435	42	loans	loan	NOUN
cblr-14250	435	43	in	in	ADP
cblr-14250	435	44	greater	great	ADJ
cblr-14250	435	45	proportion	proportion	NOUN
cblr-14250	435	46	to	to	ADP
cblr-14250	435	47	their	their	PRON
cblr-14250	435	48	capital	capital	NOUN
cblr-14250	435	49	than	than	SCONJ
cblr-14250	435	50	allowed	allow	VERB
cblr-14250	435	51	by	by	ADP
cblr-14250	435	52	law	law	NOUN
cblr-14250	435	53	.	.	PUNCT
cblr-14250	436	1	reports	report	NOUN
cblr-14250	436	2	not	not	PART
cblr-14250	436	3	only	only	ADV
cblr-14250	436	4	included	include	VERB
cblr-14250	436	5	a	a	DET
cblr-14250	436	6	recitation	recitation	NOUN
cblr-14250	436	7	of	of	ADP
cblr-14250	436	8	the	the	DET
cblr-14250	436	9	by	by	ADP
cblr-14250	436	10	-	-	PUNCT
cblr-14250	436	11	then	then	ADV
cblr-14250	436	12	standard	standard	ADJ
cblr-14250	436	13	call	call	NOUN
cblr-14250	436	14	report	report	NOUN
cblr-14250	436	15	,	,	PUNCT
cblr-14250	436	16	which	which	PRON
cblr-14250	436	17	recorded	record	VERB
cblr-14250	436	18	dividends	dividend	NOUN
cblr-14250	436	19	to	to	ADP
cblr-14250	436	20	shareholders	shareholder	NOUN
cblr-14250	436	21	and	and	CCONJ
cblr-14250	436	22	other	other	ADJ
cblr-14250	436	23	insider	insider	NOUN
cblr-14250	436	24	dealings	dealing	NOUN
cblr-14250	436	25	,	,	PUNCT
cblr-14250	436	26	but	but	CCONJ
cblr-14250	436	27	also	also	ADV
cblr-14250	436	28	long	long	ADJ
cblr-14250	436	29	sections	section	NOUN
cblr-14250	436	30	of	of	ADP
cblr-14250	436	31	expansive	expansive	ADJ
cblr-14250	436	32	commentary	commentary	NOUN
cblr-14250	436	33	by	by	ADP
cblr-14250	436	34	examiners	examiner	NOUN
cblr-14250	436	35	on	on	ADP
cblr-14250	436	36	all	all	DET
cblr-14250	436	37	matters	matter	NOUN
cblr-14250	436	38	affecting	affect	VERB
cblr-14250	436	39	the	the	DET
cblr-14250	436	40	banks.81	banks.81	PROPN
cblr-14250	436	41	examiners	examiner	NOUN
cblr-14250	436	42	used	use	VERB
cblr-14250	436	43	the	the	DET
cblr-14250	436	44	space	space	NOUN
cblr-14250	436	45	,	,	PUNCT
cblr-14250	436	46	creating	create	VERB
cblr-14250	436	47	a	a	DET
cblr-14250	436	48	running	run	VERB
cblr-14250	436	49	bureaucratic	bureaucratic	ADJ
cblr-14250	436	50	narrative	narrative	NOUN
cblr-14250	436	51	about	about	ADP
cblr-14250	436	52	the	the	DET
cblr-14250	436	53	life	life	NOUN
cblr-14250	436	54	(	(	PUNCT
cblr-14250	436	55	and	and	CCONJ
cblr-14250	436	56	sometimes	sometimes	ADV
cblr-14250	436	57	sickness	sickness	NOUN
cblr-14250	436	58	and	and	CCONJ
cblr-14250	436	59	death	death	NOUN
cblr-14250	436	60	)	)	PUNCT
cblr-14250	436	61	of	of	ADP
cblr-14250	436	62	each	each	DET
cblr-14250	436	63	national	national	PROPN
cblr-14250	436	64	bank	bank	PROPN
cblr-14250	436	65	.	.	PUNCT
cblr-14250	437	1	81	81	NUM
cblr-14250	437	2	see	see	VERB
cblr-14250	437	3	grace	grace	NOUN
cblr-14250	437	4	ballor	ballor	NOUN
cblr-14250	437	5	,	,	PUNCT
cblr-14250	437	6	gabriela	gabriela	PROPN
cblr-14250	437	7	recio	recio	PROPN
cblr-14250	437	8	&	&	CCONJ
cblr-14250	437	9	sean	sean	PROPN
cblr-14250	437	10	h.	h.	PROPN
cblr-14250	437	11	vanatta	vanatta	PROPN
cblr-14250	437	12	,	,	PUNCT
cblr-14250	437	13	surveillance	surveillance	NOUN
cblr-14250	437	14	archive	archive	NOUN
cblr-14250	437	15	:	:	PUNCT
cblr-14250	437	16	using	use	VERB
cblr-14250	437	17	reports	report	NOUN
cblr-14250	437	18	in	in	ADP
cblr-14250	437	19	business	business	NOUN
cblr-14250	437	20	history	history	NOUN
cblr-14250	437	21	,	,	PUNCT
cblr-14250	437	22	18	18	NUM
cblr-14250	437	23	mgmt	mgmt	PROPN
cblr-14250	437	24	.	.	PROPN
cblr-14250	437	25	&	&	CCONJ
cblr-14250	437	26	org	org	PROPN
cblr-14250	437	27	.	.	PUNCT
cblr-14250	438	1	hist	hist	PROPN
cblr-14250	438	2	.	.	PROPN
cblr-14250	439	1	43	43	NUM
cblr-14250	439	2	,	,	PUNCT
cblr-14250	439	3	46	46	NUM
cblr-14250	439	4	(	(	PUNCT
cblr-14250	439	5	2023	2023	NUM
cblr-14250	439	6	)	)	PUNCT
cblr-14250	439	7	.	.	PUNCT
cblr-14250	440	1	166	166	NUM
cblr-14250	440	2	columbia	columbia	PROPN
cblr-14250	440	3	business	business	NOUN
cblr-14250	440	4	law	law	PROPN
cblr-14250	440	5	review	review	NOUN
cblr-14250	440	6	[	[	X
cblr-14250	440	7	vol	vol	NOUN
cblr-14250	440	8	.	.	PUNCT
cblr-14250	440	9	2025	2025	NUM
cblr-14250	440	10	most	most	ADJ
cblr-14250	440	11	of	of	ADP
cblr-14250	440	12	these	these	DET
cblr-14250	440	13	reports	report	NOUN
cblr-14250	440	14	focused	focus	VERB
cblr-14250	440	15	not	not	PART
cblr-14250	440	16	on	on	ADP
cblr-14250	440	17	note	note	NOUN
cblr-14250	440	18	issuance	issuance	NOUN
cblr-14250	440	19	per	per	ADP
cblr-14250	440	20	se	se	ADV
cblr-14250	440	21	,	,	PUNCT
cblr-14250	440	22	but	but	CCONJ
cblr-14250	440	23	on	on	ADP
cblr-14250	440	24	the	the	DET
cblr-14250	440	25	duty	duty	NOUN
cblr-14250	440	26	of	of	ADP
cblr-14250	440	27	examiners	examiner	NOUN
cblr-14250	440	28	to	to	PART
cblr-14250	440	29	evaluate	evaluate	VERB
cblr-14250	440	30	—	—	PUNCT
cblr-14250	440	31	and	and	CCONJ
cblr-14250	440	32	sometimes	sometimes	ADV
cblr-14250	440	33	correct	correct	ADJ
cblr-14250	440	34	or	or	CCONJ
cblr-14250	440	35	affirm	affirm	NOUN
cblr-14250	440	36	—	—	PUNCT
cblr-14250	440	37	banker	banker	NOUN
cblr-14250	440	38	behavior	behavior	NOUN
cblr-14250	440	39	.	.	PUNCT
cblr-14250	441	1	examiners	examiner	NOUN
cblr-14250	441	2	evaluated	evaluate	VERB
cblr-14250	441	3	bank	bank	NOUN
cblr-14250	441	4	officers	officer	NOUN
cblr-14250	441	5	(	(	PUNCT
cblr-14250	441	6	“	"	PUNCT
cblr-14250	441	7	president:	president:	NOUN
cblr-14250	441	8	…	…	PUNCT
cblr-14250	441	9	of	of	ADP
cblr-14250	441	10	good	good	ADJ
cblr-14250	441	11	means	mean	NOUN
cblr-14250	441	12	&	&	CCONJ
cblr-14250	441	13	the	the	DET
cblr-14250	441	14	best	good	ADJ
cblr-14250	441	15	financial	financial	ADJ
cblr-14250	441	16	standing	standing	NOUN
cblr-14250	441	17	;	;	PUNCT
cblr-14250	441	18	”	"	PUNCT
cblr-14250	441	19	“	"	PUNCT
cblr-14250	441	20	cashier:	cashier:	ADJ
cblr-14250	441	21	…	…	SYM
cblr-14250	441	22	entirely	entirely	ADV
cblr-14250	441	23	competent	competent	ADJ
cblr-14250	441	24	for	for	ADP
cblr-14250	441	25	the	the	DET
cblr-14250	441	26	position	position	NOUN
cblr-14250	441	27	”	"	PUNCT
cblr-14250	441	28	)	)	PUNCT
cblr-14250	441	29	.	.	PUNCT
cblr-14250	442	1	they	they	PRON
cblr-14250	442	2	looked	look	VERB
cblr-14250	442	3	at	at	ADP
cblr-14250	442	4	record	record	NOUN
cblr-14250	442	5	keeping	keeping	NOUN
cblr-14250	442	6	(	(	PUNCT
cblr-14250	442	7	“	"	PUNCT
cblr-14250	442	8	records	record	NOUN
cblr-14250	442	9	:	:	PUNCT
cblr-14250	442	10	in	in	ADP
cblr-14250	442	11	good	good	ADJ
cblr-14250	442	12	shape	shape	NOUN
cblr-14250	442	13	;	;	PUNCT
cblr-14250	442	14	”	"	PUNCT
cblr-14250	442	15	“	"	PUNCT
cblr-14250	442	16	other	other	ADJ
cblr-14250	442	17	books	book	NOUN
cblr-14250	442	18	:	:	PUNCT
cblr-14250	442	19	well	well	ADV
cblr-14250	442	20	kept	keep	VERB
cblr-14250	442	21	”	"	PUNCT
cblr-14250	442	22	)	)	PUNCT
cblr-14250	442	23	.	.	PUNCT
cblr-14250	443	1	they	they	PRON
cblr-14250	443	2	evaluated	evaluate	VERB
cblr-14250	443	3	bank	bank	NOUN
cblr-14250	443	4	assets	asset	NOUN
cblr-14250	443	5	(	(	PUNCT
cblr-14250	443	6	“	"	PUNCT
cblr-14250	443	7	loans	loan	NOUN
cblr-14250	443	8	in	in	ADP
cblr-14250	443	9	good	good	ADJ
cblr-14250	443	10	condition	condition	NOUN
cblr-14250	443	11	&	&	CCONJ
cblr-14250	443	12	closely	closely	ADV
cblr-14250	443	13	looked	look	VERB
cblr-14250	443	14	after	after	ADP
cblr-14250	443	15	”	"	PUNCT
cblr-14250	443	16	)	)	PUNCT
cblr-14250	443	17	.	.	PUNCT
cblr-14250	444	1	examiners	examiner	NOUN
cblr-14250	444	2	even	even	ADV
cblr-14250	444	3	considered	consider	VERB
cblr-14250	444	4	the	the	DET
cblr-14250	444	5	bank	bank	NOUN
cblr-14250	444	6	offices	office	NOUN
cblr-14250	444	7	(	(	PUNCT
cblr-14250	444	8	“	"	PUNCT
cblr-14250	444	9	two	two	NUM
cblr-14250	444	10	story	story	NOUN
cblr-14250	444	11	brick	brick	NOUN
cblr-14250	444	12	,	,	PUNCT
cblr-14250	444	13	good	good	ADJ
cblr-14250	444	14	location	location	NOUN
cblr-14250	444	15	”	"	PUNCT
cblr-14250	444	16	)	)	PUNCT
cblr-14250	444	17	and	and	CCONJ
cblr-14250	444	18	the	the	DET
cblr-14250	444	19	quality	quality	NOUN
cblr-14250	444	20	of	of	ADP
cblr-14250	444	21	the	the	DET
cblr-14250	444	22	safe	safe	ADJ
cblr-14250	444	23	(	(	PUNCT
cblr-14250	444	24	“	"	PUNCT
cblr-14250	444	25	the	the	DET
cblr-14250	444	26	best	good	ADJ
cblr-14250	444	27	kind	kind	NOUN
cblr-14250	444	28	of	of	ADP
cblr-14250	444	29	burglar	burglar	NOUN
cblr-14250	444	30	proof	proof	NOUN
cblr-14250	444	31	doors	door	NOUN
cblr-14250	444	32	”	"	PUNCT
cblr-14250	444	33	)	)	PUNCT
cblr-14250	444	34	.	.	PUNCT
cblr-14250	445	1	what	what	PRON
cblr-14250	445	2	examiners	examiner	NOUN
cblr-14250	445	3	lacked	lack	VERB
cblr-14250	445	4	was	be	AUX
cblr-14250	445	5	the	the	DET
cblr-14250	445	6	authority	authority	NOUN
cblr-14250	445	7	to	to	PART
cblr-14250	445	8	compel	compel	VERB
cblr-14250	445	9	changes	change	NOUN
cblr-14250	445	10	in	in	ADP
cblr-14250	445	11	behavior	behavior	NOUN
cblr-14250	445	12	.	.	PUNCT
cblr-14250	446	1	short	short	ADJ
cblr-14250	446	2	of	of	ADP
cblr-14250	446	3	closing	close	VERB
cblr-14250	446	4	a	a	DET
cblr-14250	446	5	bank	bank	NOUN
cblr-14250	446	6	,	,	PUNCT
cblr-14250	446	7	they	they	PRON
cblr-14250	446	8	could	could	AUX
cblr-14250	446	9	only	only	ADV
cblr-14250	446	10	guide	guide	VERB
cblr-14250	446	11	,	,	PUNCT
cblr-14250	446	12	nudge	nudge	VERB
cblr-14250	446	13	,	,	PUNCT
cblr-14250	446	14	and	and	CCONJ
cblr-14250	446	15	cajole.82	cajole.82	VERB
cblr-14250	446	16	by	by	ADP
cblr-14250	446	17	the	the	DET
cblr-14250	446	18	1870s	1870	NOUN
cblr-14250	446	19	,	,	PUNCT
cblr-14250	446	20	few	few	ADJ
cblr-14250	446	21	of	of	ADP
cblr-14250	446	22	the	the	DET
cblr-14250	446	23	examination	examination	NOUN
cblr-14250	446	24	reports	report	NOUN
cblr-14250	446	25	look	look	VERB
cblr-14250	446	26	specifically	specifically	ADV
cblr-14250	446	27	at	at	ADP
cblr-14250	446	28	note	note	NOUN
cblr-14250	447	1	issuance.83	issuance.83	INTJ
cblr-14250	447	2	instead	instead	ADV
cblr-14250	447	3	,	,	PUNCT
cblr-14250	447	4	the	the	DET
cblr-14250	447	5	rise	rise	NOUN
cblr-14250	447	6	of	of	ADP
cblr-14250	447	7	a	a	DET
cblr-14250	447	8	new	new	ADJ
cblr-14250	447	9	class	class	NOUN
cblr-14250	447	10	of	of	ADP
cblr-14250	447	11	bank	bank	NOUN
cblr-14250	447	12	customers	customer	NOUN
cblr-14250	447	13	—	—	PUNCT
cblr-14250	447	14	the	the	DET
cblr-14250	447	15	rising	rise	VERB
cblr-14250	447	16	class	class	NOUN
cblr-14250	447	17	of	of	ADP
cblr-14250	447	18	depositors	depositor	NOUN
cblr-14250	447	19	—	—	PUNCT
cblr-14250	447	20	fundamentally	fundamentally	ADV
cblr-14250	447	21	changed	change	VERB
cblr-14250	447	22	the	the	DET
cblr-14250	447	23	understanding	understanding	NOUN
cblr-14250	447	24	of	of	ADP
cblr-14250	447	25	the	the	DET
cblr-14250	447	26	business	business	NOUN
cblr-14250	447	27	of	of	ADP
cblr-14250	447	28	banking	banking	NOUN
cblr-14250	447	29	and	and	CCONJ
cblr-14250	447	30	,	,	PUNCT
cblr-14250	447	31	with	with	ADP
cblr-14250	447	32	it	it	PRON
cblr-14250	447	33	,	,	PUNCT
cblr-14250	447	34	the	the	DET
cblr-14250	447	35	nature	nature	NOUN
cblr-14250	447	36	of	of	ADP
cblr-14250	447	37	its	its	PRON
cblr-14250	447	38	federal	federal	ADJ
cblr-14250	447	39	supervision	supervision	NOUN
cblr-14250	447	40	.	.	PUNCT
cblr-14250	448	1	the	the	DET
cblr-14250	448	2	currency	currency	NOUN
cblr-14250	448	3	view	view	NOUN
cblr-14250	448	4	of	of	ADP
cblr-14250	448	5	bank	bank	NOUN
cblr-14250	448	6	supervision	supervision	NOUN
cblr-14250	448	7	was	be	AUX
cblr-14250	448	8	the	the	DET
cblr-14250	448	9	dominant	dominant	ADJ
cblr-14250	448	10	lens	lens	NOUN
cblr-14250	448	11	at	at	ADP
cblr-14250	448	12	the	the	DET
cblr-14250	448	13	legislative	legislative	ADJ
cblr-14250	448	14	beginning	beginning	NOUN
cblr-14250	448	15	of	of	ADP
cblr-14250	448	16	federal	federal	PROPN
cblr-14250	448	17	bank	bank	PROPN
cblr-14250	448	18	supervision	supervision	NOUN
cblr-14250	448	19	,	,	PUNCT
cblr-14250	448	20	but	but	CCONJ
cblr-14250	448	21	it	it	PRON
cblr-14250	448	22	receded	recede	VERB
cblr-14250	448	23	in	in	ADP
cblr-14250	448	24	importance	importance	NOUN
cblr-14250	448	25	in	in	ADP
cblr-14250	448	26	the	the	DET
cblr-14250	448	27	face	face	NOUN
cblr-14250	448	28	of	of	ADP
cblr-14250	448	29	these	these	DET
cblr-14250	448	30	changes	change	NOUN
cblr-14250	448	31	almost	almost	ADV
cblr-14250	448	32	immediately	immediately	ADV
cblr-14250	448	33	.	.	PUNCT
cblr-14250	449	1	b.	b.	PROPN
cblr-14250	449	2	scandals	scandal	NOUN
cblr-14250	449	3	,	,	PUNCT
cblr-14250	449	4	crises	crisis	NOUN
cblr-14250	449	5	,	,	PUNCT
cblr-14250	449	6	and	and	CCONJ
cblr-14250	449	7	bank	bank	NOUN
cblr-14250	449	8	supervision	supervision	NOUN
cblr-14250	449	9	,	,	PUNCT
cblr-14250	449	10	1870–1907	1870–1907	NUM
cblr-14250	449	11	if	if	SCONJ
cblr-14250	449	12	the	the	DET
cblr-14250	449	13	currency	currency	NOUN
cblr-14250	449	14	view	view	NOUN
cblr-14250	449	15	of	of	ADP
cblr-14250	449	16	bank	bank	NOUN
cblr-14250	449	17	supervision	supervision	NOUN
cblr-14250	449	18	was	be	AUX
cblr-14250	449	19	essentially	essentially	ADV
cblr-14250	449	20	stillborn	stillborn	ADJ
cblr-14250	449	21	,	,	PUNCT
cblr-14250	449	22	its	its	PRON
cblr-14250	449	23	successor	successor	NOUN
cblr-14250	449	24	regime	regime	NOUN
cblr-14250	449	25	was	be	AUX
cblr-14250	449	26	still	still	ADV
cblr-14250	449	27	not	not	PART
cblr-14250	449	28	fully	fully	ADV
cblr-14250	449	29	established	establish	VERB
cblr-14250	449	30	.	.	PUNCT
cblr-14250	450	1	a	a	DET
cblr-14250	450	2	major	major	ADJ
cblr-14250	450	3	definitional	definitional	ADJ
cblr-14250	450	4	problem	problem	NOUN
cblr-14250	450	5	remained	remain	VERB
cblr-14250	450	6	.	.	PUNCT
cblr-14250	451	1	if	if	SCONJ
cblr-14250	451	2	bank	bank	NOUN
cblr-14250	451	3	examiners	examiner	NOUN
cblr-14250	451	4	working	work	VERB
cblr-14250	451	5	for	for	ADP
cblr-14250	451	6	the	the	DET
cblr-14250	451	7	comptroller	comptroller	NOUN
cblr-14250	451	8	were	be	AUX
cblr-14250	451	9	a	a	DET
cblr-14250	451	10	form	form	NOUN
cblr-14250	451	11	of	of	ADP
cblr-14250	451	12	public	public	ADJ
cblr-14250	451	13	risk	risk	NOUN
cblr-14250	451	14	managers	manager	NOUN
cblr-14250	451	15	for	for	ADP
cblr-14250	451	16	the	the	DET
cblr-14250	451	17	private	private	ADJ
cblr-14250	451	18	institutions	institution	NOUN
cblr-14250	451	19	,	,	PUNCT
cblr-14250	451	20	rather	rather	ADV
cblr-14250	451	21	than	than	ADP
cblr-14250	451	22	simply	simply	ADV
cblr-14250	451	23	monetary	monetary	ADJ
cblr-14250	451	24	policymakers	policymaker	NOUN
cblr-14250	451	25	avant	avant	X
cblr-14250	451	26	la	la	X
cblr-14250	451	27	lettre	lettre	PROPN
cblr-14250	451	28	,	,	PUNCT
cblr-14250	451	29	who	who	PRON
cblr-14250	451	30	owned	own	VERB
cblr-14250	451	31	the	the	DET
cblr-14250	451	32	82	82	NUM
cblr-14250	451	33	butler	butler	NOUN
cblr-14250	451	34	ward	ward	NOUN
cblr-14250	451	35	,	,	PUNCT
cblr-14250	451	36	examiners	examiner	NOUN
cblr-14250	451	37	report	report	VERB
cblr-14250	451	38	(	(	PUNCT
cblr-14250	451	39	first	first	PROPN
cblr-14250	451	40	nat’l	nat’l	NUM
cblr-14250	451	41	bank	bank	PROPN
cblr-14250	451	42	,	,	PUNCT
cblr-14250	451	43	le	le	PROPN
cblr-14250	451	44	roy	roy	PROPN
cblr-14250	451	45	,	,	PUNCT
cblr-14250	451	46	n.y	n.y	PROPN
cblr-14250	451	47	.	.	PROPN
cblr-14250	451	48	,	,	PUNCT
cblr-14250	451	49	charter	charter	NOUN
cblr-14250	451	50	no	no	NOUN
cblr-14250	451	51	.	.	PROPN
cblr-14250	451	52	937	937	NUM
cblr-14250	451	53	)	)	PUNCT
cblr-14250	451	54	(	(	PUNCT
cblr-14250	451	55	oct	oct	PROPN
cblr-14250	451	56	.	.	PROPN
cblr-14250	451	57	16	16	NUM
cblr-14250	451	58	,	,	PUNCT
cblr-14250	451	59	1866	1866	NUM
cblr-14250	451	60	)	)	PUNCT
cblr-14250	451	61	(	(	PUNCT
cblr-14250	451	62	on	on	ADP
cblr-14250	451	63	file	file	NOUN
cblr-14250	451	64	with	with	ADP
cblr-14250	451	65	nat’l	nat’l	NOUN
cblr-14250	451	66	archives	archive	NOUN
cblr-14250	451	67	,	,	PUNCT
cblr-14250	451	68	records	record	NOUN
cblr-14250	451	69	of	of	ADP
cblr-14250	451	70	the	the	DET
cblr-14250	451	71	off	off	NOUN
cblr-14250	451	72	.	.	PUNCT
cblr-14250	452	1	of	of	ADP
cblr-14250	452	2	the	the	DET
cblr-14250	452	3	comptroller	comptroller	NOUN
cblr-14250	452	4	of	of	ADP
cblr-14250	452	5	the	the	DET
cblr-14250	452	6	currency	currency	NOUN
cblr-14250	452	7	,	,	PUNCT
cblr-14250	452	8	records	record	NOUN
cblr-14250	452	9	of	of	ADP
cblr-14250	452	10	the	the	DET
cblr-14250	452	11	examining	examine	VERB
cblr-14250	452	12	division	division	NOUN
cblr-14250	452	13	(	(	PUNCT
cblr-14250	452	14	division	division	NOUN
cblr-14250	452	15	of	of	ADP
cblr-14250	452	16	reports	report	NOUN
cblr-14250	452	17	)	)	PUNCT
cblr-14250	452	18	1863–1927	1863–1927	NUM
cblr-14250	452	19	,	,	PUNCT
cblr-14250	452	20	record	record	NOUN
cblr-14250	452	21	group	group	NOUN
cblr-14250	452	22	101.4	101.4	NUM
cblr-14250	452	23	,	,	PUNCT
cblr-14250	452	24	box	box	NOUN
cblr-14250	452	25	124	124	NUM
cblr-14250	452	26	)	)	PUNCT
cblr-14250	452	27	.	.	PUNCT
cblr-14250	453	1	83	83	NUM
cblr-14250	453	2	see	see	VERB
cblr-14250	453	3	generally	generally	ADV
cblr-14250	453	4	nat’l	nat’l	ADJ
cblr-14250	453	5	archives	archive	NOUN
cblr-14250	453	6	,	,	PUNCT
cblr-14250	453	7	records	record	NOUN
cblr-14250	453	8	of	of	ADP
cblr-14250	453	9	the	the	DET
cblr-14250	453	10	off	off	NOUN
cblr-14250	453	11	.	.	PUNCT
cblr-14250	454	1	of	of	ADP
cblr-14250	454	2	the	the	DET
cblr-14250	454	3	comptroller	comptroller	NOUN
cblr-14250	454	4	of	of	ADP
cblr-14250	454	5	the	the	DET
cblr-14250	454	6	currency	currency	NOUN
cblr-14250	454	7	,	,	PUNCT
cblr-14250	454	8	records	record	NOUN
cblr-14250	454	9	of	of	ADP
cblr-14250	454	10	the	the	DET
cblr-14250	454	11	examining	examine	VERB
cblr-14250	454	12	division	division	NOUN
cblr-14250	454	13	(	(	PUNCT
cblr-14250	454	14	division	division	NOUN
cblr-14250	454	15	of	of	ADP
cblr-14250	454	16	reports	report	NOUN
cblr-14250	454	17	)	)	PUNCT
cblr-14250	454	18	1863–1927	1863–1927	NUM
cblr-14250	454	19	,	,	PUNCT
cblr-14250	454	20	record	record	NOUN
cblr-14250	454	21	group	group	NOUN
cblr-14250	454	22	101.4	101.4	NUM
cblr-14250	454	23	.	.	PUNCT
cblr-14250	455	1	no	no	INTJ
cblr-14250	455	2	.	.	NOUN
cblr-14250	455	3	1	1	NUM
cblr-14250	455	4	]	]	PUNCT
cblr-14250	455	5	risk	risk	NOUN
cblr-14250	455	6	,	,	PUNCT
cblr-14250	455	7	discretion	discretion	NOUN
cblr-14250	455	8	,	,	PUNCT
cblr-14250	455	9	and	and	CCONJ
cblr-14250	455	10	bank	bank	NOUN
cblr-14250	455	11	supervision	supervision	NOUN
cblr-14250	455	12	167	167	NUM
cblr-14250	455	13	problem	problem	NOUN
cblr-14250	455	14	when	when	SCONJ
cblr-14250	455	15	private	private	ADJ
cblr-14250	455	16	institutions	institution	NOUN
cblr-14250	455	17	failed	fail	VERB
cblr-14250	455	18	?	?	PUNCT
cblr-14250	456	1	the	the	DET
cblr-14250	456	2	gilded	gild	VERB
cblr-14250	456	3	age	age	NOUN
cblr-14250	456	4	would	would	AUX
cblr-14250	456	5	provide	provide	VERB
cblr-14250	456	6	limited	limited	ADJ
cblr-14250	456	7	and	and	CCONJ
cblr-14250	456	8	unsatisfying	unsatisfying	ADJ
cblr-14250	456	9	answers	answer	NOUN
cblr-14250	456	10	to	to	ADP
cblr-14250	456	11	this	this	DET
cblr-14250	456	12	question	question	NOUN
cblr-14250	456	13	.	.	PUNCT
cblr-14250	457	1	scholars	scholar	NOUN
cblr-14250	457	2	have	have	AUX
cblr-14250	457	3	focused	focus	VERB
cblr-14250	457	4	at	at	ADP
cblr-14250	457	5	great	great	ADJ
cblr-14250	457	6	length	length	NOUN
cblr-14250	457	7	on	on	ADP
cblr-14250	457	8	the	the	DET
cblr-14250	457	9	banking	banking	NOUN
cblr-14250	457	10	panics	panic	NOUN
cblr-14250	457	11	of	of	ADP
cblr-14250	457	12	the	the	DET
cblr-14250	457	13	gilded	gild	VERB
cblr-14250	457	14	age.84	age.84	ADP
cblr-14250	457	15	less	less	ADJ
cblr-14250	457	16	attention	attention	NOUN
cblr-14250	457	17	has	have	AUX
cblr-14250	457	18	been	be	AUX
cblr-14250	457	19	paid	pay	VERB
cblr-14250	457	20	to	to	ADP
cblr-14250	457	21	the	the	DET
cblr-14250	457	22	banking	banking	NOUN
cblr-14250	457	23	scandals	scandal	NOUN
cblr-14250	457	24	of	of	ADP
cblr-14250	457	25	the	the	DET
cblr-14250	457	26	gilded	gild	VERB
cblr-14250	457	27	age	age	NOUN
cblr-14250	457	28	.	.	PUNCT
cblr-14250	458	1	each	each	DET
cblr-14250	458	2	scandal	scandal	NOUN
cblr-14250	458	3	played	play	VERB
cblr-14250	458	4	a	a	DET
cblr-14250	458	5	major	major	ADJ
cblr-14250	458	6	role	role	NOUN
cblr-14250	458	7	in	in	ADP
cblr-14250	458	8	shaping	shape	VERB
cblr-14250	458	9	the	the	DET
cblr-14250	458	10	institutions	institution	NOUN
cblr-14250	458	11	of	of	ADP
cblr-14250	458	12	supervision	supervision	NOUN
cblr-14250	458	13	toward	toward	ADP
cblr-14250	458	14	the	the	DET
cblr-14250	458	15	idea	idea	NOUN
cblr-14250	458	16	that	that	SCONJ
cblr-14250	458	17	private	private	ADJ
cblr-14250	458	18	financial	financial	ADJ
cblr-14250	458	19	failure	failure	NOUN
cblr-14250	458	20	was	be	AUX
cblr-14250	458	21	not	not	PART
cblr-14250	458	22	merely	merely	ADV
cblr-14250	458	23	the	the	DET
cblr-14250	458	24	domain	domain	NOUN
cblr-14250	458	25	of	of	ADP
cblr-14250	458	26	private	private	ADJ
cblr-14250	458	27	financiers	financier	NOUN
cblr-14250	458	28	.	.	PUNCT
cblr-14250	459	1	the	the	DET
cblr-14250	459	2	first	first	ADJ
cblr-14250	459	3	major	major	ADJ
cblr-14250	459	4	scandal	scandal	NOUN
cblr-14250	459	5	for	for	ADP
cblr-14250	459	6	bank	bank	NOUN
cblr-14250	459	7	supervision	supervision	NOUN
cblr-14250	459	8	was	be	AUX
cblr-14250	459	9	the	the	DET
cblr-14250	459	10	callender	callender	PROPN
cblr-14250	459	11	affair	affair	PROPN
cblr-14250	459	12	,	,	PUNCT
cblr-14250	459	13	which	which	PRON
cblr-14250	459	14	unfolded	unfold	VERB
cblr-14250	459	15	dramatically	dramatically	ADV
cblr-14250	459	16	in	in	ADP
cblr-14250	459	17	the	the	DET
cblr-14250	459	18	early	early	ADJ
cblr-14250	459	19	1870s	1870	NOUN
cblr-14250	459	20	.	.	PUNCT
cblr-14250	460	1	the	the	DET
cblr-14250	460	2	protagonist	protagonist	NOUN
cblr-14250	460	3	,	,	PUNCT
cblr-14250	460	4	charles	charles	PROPN
cblr-14250	460	5	callender	callender	PROPN
cblr-14250	460	6	,	,	PUNCT
cblr-14250	460	7	had	have	AUX
cblr-14250	460	8	been	be	AUX
cblr-14250	460	9	a	a	DET
cblr-14250	460	10	clerk	clerk	NOUN
cblr-14250	460	11	in	in	ADP
cblr-14250	460	12	the	the	DET
cblr-14250	460	13	currency	currency	NOUN
cblr-14250	460	14	bureau	bureau	NOUN
cblr-14250	460	15	and	and	CCONJ
cblr-14250	460	16	then	then	ADV
cblr-14250	460	17	a	a	DET
cblr-14250	460	18	national	national	PROPN
cblr-14250	460	19	bank	bank	PROPN
cblr-14250	460	20	examiner	examiner	NOUN
cblr-14250	460	21	,	,	PUNCT
cblr-14250	460	22	covering	cover	VERB
cblr-14250	460	23	philadelphia	philadelphia	PROPN
cblr-14250	460	24	and	and	CCONJ
cblr-14250	460	25	later	later	ADV
cblr-14250	460	26	new	new	PROPN
cblr-14250	460	27	york	york	PROPN
cblr-14250	460	28	city	city	PROPN
cblr-14250	460	29	.	.	PUNCT
cblr-14250	461	1	callender	callender	PROPN
cblr-14250	461	2	developed	develop	VERB
cblr-14250	461	3	a	a	DET
cblr-14250	461	4	reputation	reputation	NOUN
cblr-14250	461	5	for	for	ADP
cblr-14250	461	6	forbearance	forbearance	NOUN
cblr-14250	461	7	,	,	PUNCT
cblr-14250	461	8	pursuing	pursue	VERB
cblr-14250	461	9	what	what	PRON
cblr-14250	461	10	the	the	DET
cblr-14250	461	11	press	press	NOUN
cblr-14250	461	12	called	call	VERB
cblr-14250	461	13	a	a	DET
cblr-14250	461	14	“	"	PUNCT
cblr-14250	461	15	‘	'	PUNCT
cblr-14250	461	16	nursing	nursing	NOUN
cblr-14250	461	17	’	'	PUNCT
cblr-14250	461	18	policy	policy	NOUN
cblr-14250	461	19	”	"	PUNCT
cblr-14250	461	20	of	of	ADP
cblr-14250	461	21	keeping	keep	VERB
cblr-14250	461	22	“	"	PUNCT
cblr-14250	461	23	moribund	moribund	ADJ
cblr-14250	461	24	institutions	institution	NOUN
cblr-14250	461	25	alive	alive	ADJ
cblr-14250	461	26	if	if	SCONJ
cblr-14250	461	27	possible	possible	ADJ
cblr-14250	461	28	,	,	PUNCT
cblr-14250	461	29	”	"	PUNCT
cblr-14250	461	30	even	even	ADV
cblr-14250	461	31	when	when	SCONJ
cblr-14250	461	32	their	their	PRON
cblr-14250	461	33	condition	condition	NOUN
cblr-14250	461	34	warranted	warrant	VERB
cblr-14250	461	35	closure.85	closure.85	NOUN
cblr-14250	461	36	after	after	SCONJ
cblr-14250	461	37	three	three	NUM
cblr-14250	461	38	of	of	ADP
cblr-14250	461	39	these	these	DET
cblr-14250	461	40	banks	bank	NOUN
cblr-14250	461	41	failed	fail	VERB
cblr-14250	461	42	spectacularly	spectacularly	ADV
cblr-14250	461	43	in	in	ADP
cblr-14250	461	44	1871	1871	NUM
cblr-14250	461	45	,	,	PUNCT
cblr-14250	461	46	the	the	DET
cblr-14250	461	47	public	public	NOUN
cblr-14250	461	48	learned	learn	VERB
cblr-14250	461	49	that	that	SCONJ
cblr-14250	461	50	supervisory	supervisory	ADJ
cblr-14250	461	51	forbearance	forbearance	NOUN
cblr-14250	461	52	was	be	AUX
cblr-14250	461	53	the	the	DET
cblr-14250	461	54	least	least	ADJ
cblr-14250	461	55	of	of	ADP
cblr-14250	461	56	callender	callender	NOUN
cblr-14250	461	57	’s	’s	PART
cblr-14250	461	58	crimes	crime	NOUN
cblr-14250	461	59	.	.	PUNCT
cblr-14250	462	1	he	he	PRON
cblr-14250	462	2	was	be	AUX
cblr-14250	462	3	actively	actively	ADV
cblr-14250	462	4	extorting	extort	VERB
cblr-14250	462	5	the	the	DET
cblr-14250	462	6	banks	bank	NOUN
cblr-14250	462	7	under	under	ADP
cblr-14250	462	8	his	his	PRON
cblr-14250	462	9	supervision	supervision	NOUN
cblr-14250	462	10	.	.	PUNCT
cblr-14250	463	1	congress	congress	PROPN
cblr-14250	463	2	and	and	CCONJ
cblr-14250	463	3	the	the	DET
cblr-14250	463	4	press	press	NOUN
cblr-14250	463	5	exploded	explode	VERB
cblr-14250	463	6	in	in	ADP
cblr-14250	463	7	indignation	indignation	NOUN
cblr-14250	463	8	.	.	PUNCT
cblr-14250	464	1	the	the	DET
cblr-14250	464	2	corrupt	corrupt	ADJ
cblr-14250	464	3	examiner	examiner	NOUN
cblr-14250	464	4	became	become	VERB
cblr-14250	464	5	a	a	DET
cblr-14250	464	6	byword	byword	NOUN
cblr-14250	464	7	for	for	SCONJ
cblr-14250	464	8	the	the	DET
cblr-14250	464	9	corruption	corruption	NOUN
cblr-14250	464	10	of	of	ADP
cblr-14250	464	11	the	the	DET
cblr-14250	464	12	age.86	age.86	PROPN
cblr-14250	464	13	callender	callender	PROPN
cblr-14250	464	14	’s	’s	PART
cblr-14250	464	15	case	case	NOUN
cblr-14250	464	16	profoundly	profoundly	ADV
cblr-14250	464	17	shaped	shape	VERB
cblr-14250	464	18	the	the	DET
cblr-14250	464	19	comptroller	comptroller	NOUN
cblr-14250	464	20	’s	’s	PART
cblr-14250	464	21	posture	posture	NOUN
cblr-14250	464	22	toward	toward	ADP
cblr-14250	464	23	84	84	NUM
cblr-14250	464	24	see	see	NOUN
cblr-14250	464	25	oliver	oliver	PROPN
cblr-14250	464	26	mitchell	mitchell	PROPN
cblr-14250	464	27	wentworth	wentworth	PROPN
cblr-14250	464	28	sprague	sprague	PROPN
cblr-14250	464	29	,	,	PUNCT
cblr-14250	464	30	history	history	NOUN
cblr-14250	464	31	of	of	ADP
cblr-14250	464	32	crises	crisis	NOUN
cblr-14250	464	33	under	under	ADP
cblr-14250	464	34	the	the	DET
cblr-14250	464	35	national	national	ADJ
cblr-14250	464	36	banking	banking	NOUN
cblr-14250	464	37	system	system	NOUN
cblr-14250	464	38	,	,	PUNCT
cblr-14250	464	39	s.	s.	PROPN
cblr-14250	464	40	doc	doc	PROPN
cblr-14250	464	41	.	.	PUNCT
cblr-14250	465	1	no	no	INTJ
cblr-14250	465	2	.	.	NOUN
cblr-14250	466	1	61	61	NUM
cblr-14250	466	2	-	-	SYM
cblr-14250	466	3	538	538	NUM
cblr-14250	466	4	,	,	PUNCT
cblr-14250	466	5	at	at	ADP
cblr-14250	466	6	89–90	89–90	NUM
cblr-14250	466	7	(	(	PUNCT
cblr-14250	466	8	1910	1910	NUM
cblr-14250	466	9	)	)	PUNCT
cblr-14250	467	1	;	;	PUNCT
cblr-14250	467	2	elmus	elmus	NOUN
cblr-14250	467	3	wicker	wicker	NOUN
cblr-14250	467	4	,	,	PUNCT
cblr-14250	467	5	the	the	DET
cblr-14250	467	6	banking	banking	NOUN
cblr-14250	467	7	panics	panic	NOUN
cblr-14250	467	8	of	of	ADP
cblr-14250	467	9	the	the	DET
cblr-14250	467	10	great	great	ADJ
cblr-14250	467	11	depression	depression	NOUN
cblr-14250	467	12	(	(	PUNCT
cblr-14250	467	13	2000	2000	NUM
cblr-14250	467	14	)	)	PUNCT
cblr-14250	467	15	;	;	PUNCT
cblr-14250	467	16	richard	richard	PROPN
cblr-14250	467	17	white	white	PROPN
cblr-14250	467	18	,	,	PUNCT
cblr-14250	467	19	the	the	DET
cblr-14250	467	20	republic	republic	NOUN
cblr-14250	467	21	for	for	ADP
cblr-14250	467	22	which	which	PRON
cblr-14250	467	23	it	it	PRON
cblr-14250	467	24	stands	stand	VERB
cblr-14250	467	25	:	:	PUNCT
cblr-14250	467	26	the	the	DET
cblr-14250	467	27	united	united	PROPN
cblr-14250	467	28	states	states	PROPN
cblr-14250	467	29	during	during	ADP
cblr-14250	467	30	reconstruction	reconstruction	NOUN
cblr-14250	467	31	and	and	CCONJ
cblr-14250	467	32	the	the	DET
cblr-14250	467	33	gilded	gilded	ADJ
cblr-14250	467	34	age	age	NOUN
cblr-14250	467	35	,	,	PUNCT
cblr-14250	467	36	1865–1896	1865–1896	NUM
cblr-14250	467	37	(	(	PUNCT
cblr-14250	467	38	2017	2017	NUM
cblr-14250	467	39	)	)	PUNCT
cblr-14250	467	40	.	.	PUNCT
cblr-14250	468	1	85	85	NUM
cblr-14250	468	2	stability	stability	NOUN
cblr-14250	468	3	of	of	ADP
cblr-14250	468	4	the	the	DET
cblr-14250	468	5	monetary	monetary	ADJ
cblr-14250	468	6	situation	situation	NOUN
cblr-14250	468	7	,	,	PUNCT
cblr-14250	468	8	com	com	NOUN
cblr-14250	468	9	.	.	PUNCT
cblr-14250	468	10	and	and	CCONJ
cblr-14250	468	11	fin	fin	PROPN
cblr-14250	468	12	.	.	PUNCT
cblr-14250	469	1	chron	chron	PROPN
cblr-14250	469	2	.	.	PUNCT
cblr-14250	469	3	,	,	PUNCT
cblr-14250	469	4	dec	dec	PROPN
cblr-14250	469	5	.	.	PROPN
cblr-14250	469	6	16	16	NUM
cblr-14250	469	7	,	,	PUNCT
cblr-14250	469	8	1871	1871	NUM
cblr-14250	469	9	,	,	PUNCT
cblr-14250	469	10	at	at	ADP
cblr-14250	469	11	794	794	NUM
cblr-14250	469	12	,	,	PUNCT
cblr-14250	469	13	https://fraser.stlouisfed.org/title/commercial-financialchronicle-1339/december-16-1871-528120	https://fraser.stlouisfed.org/title/commercial-financialchronicle-1339/december-16-1871-528120	PROPN
cblr-14250	470	1	[	[	X
cblr-14250	470	2	https://perma.cc/24kl-gljc	https://perma.cc/24kl-gljc	PROPN
cblr-14250	470	3	]	]	PUNCT
cblr-14250	470	4	.	.	PUNCT
cblr-14250	471	1	86	86	NUM
cblr-14250	472	1	the	the	DET
cblr-14250	472	2	bank	bank	NOUN
cblr-14250	472	3	examination	examination	NOUN
cblr-14250	472	4	fraud	fraud	NOUN
cblr-14250	472	5	,	,	PUNCT
cblr-14250	472	6	chi	chi	PROPN
cblr-14250	472	7	.	.	PUNCT
cblr-14250	473	1	trib	trib	PROPN
cblr-14250	473	2	.	.	PROPN
cblr-14250	473	3	,	,	PUNCT
cblr-14250	473	4	dec	dec	PROPN
cblr-14250	473	5	.	.	PROPN
cblr-14250	473	6	24	24	NUM
cblr-14250	473	7	,	,	PUNCT
cblr-14250	473	8	1871	1871	NUM
cblr-14250	473	9	,	,	PUNCT
cblr-14250	473	10	at	at	ADP
cblr-14250	473	11	4	4	NUM
cblr-14250	473	12	;	;	PUNCT
cblr-14250	473	13	callender	callender	NOUN
cblr-14250	473	14	held	hold	VERB
cblr-14250	473	15	to	to	PART
cblr-14250	473	16	bail	bail	VERB
cblr-14250	473	17	,	,	PUNCT
cblr-14250	473	18	n.y	n.y	PROPN
cblr-14250	473	19	.	.	PROPN
cblr-14250	473	20	times	times	PROPN
cblr-14250	473	21	,	,	PUNCT
cblr-14250	473	22	dec	dec	PROPN
cblr-14250	473	23	.	.	PROPN
cblr-14250	473	24	21	21	NUM
cblr-14250	473	25	,	,	PUNCT
cblr-14250	473	26	1871	1871	NUM
cblr-14250	473	27	,	,	PUNCT
cblr-14250	473	28	at	at	ADP
cblr-14250	473	29	2	2	NUM
cblr-14250	473	30	;	;	PUNCT
cblr-14250	473	31	the	the	DET
cblr-14250	473	32	case	case	NOUN
cblr-14250	473	33	of	of	ADP
cblr-14250	473	34	callender	callender	NOUN
cblr-14250	473	35	—	—	PUNCT
cblr-14250	473	36	examination	examination	NOUN
cblr-14250	473	37	of	of	ADP
cblr-14250	473	38	the	the	DET
cblr-14250	473	39	president	president	NOUN
cblr-14250	473	40	of	of	ADP
cblr-14250	473	41	the	the	DET
cblr-14250	473	42	ocean	ocean	PROPN
cblr-14250	473	43	bank	bank	PROPN
cblr-14250	473	44	,	,	PUNCT
cblr-14250	473	45	n.y	n.y	PROPN
cblr-14250	473	46	.	.	PROPN
cblr-14250	473	47	times	times	PROPN
cblr-14250	473	48	,	,	PUNCT
cblr-14250	473	49	dec	dec	PROPN
cblr-14250	473	50	.	.	PROPN
cblr-14250	473	51	28	28	NUM
cblr-14250	473	52	,	,	PUNCT
cblr-14250	473	53	1871	1871	NUM
cblr-14250	473	54	,	,	PUNCT
cblr-14250	473	55	at	at	ADP
cblr-14250	473	56	2	2	NUM
cblr-14250	473	57	;	;	PUNCT
cblr-14250	473	58	trial	trial	NOUN
cblr-14250	473	59	of	of	ADP
cblr-14250	473	60	ex	ex	PROPN
cblr-14250	473	61	-	-	ADJ
cblr-14250	473	62	bank	bank	ADJ
cblr-14250	473	63	examiner	examiner	NOUN
cblr-14250	473	64	callender	callender	PROPN
cblr-14250	473	65	,	,	PUNCT
cblr-14250	473	66	n.y	n.y	PROPN
cblr-14250	473	67	.	.	PROPN
cblr-14250	473	68	times	times	PROPN
cblr-14250	473	69	,	,	PUNCT
cblr-14250	473	70	may	may	AUX
cblr-14250	473	71	31	31	NUM
cblr-14250	473	72	,	,	PUNCT
cblr-14250	473	73	1874	1874	NUM
cblr-14250	473	74	,	,	PUNCT
cblr-14250	473	75	at	at	ADP
cblr-14250	473	76	2	2	NUM
cblr-14250	473	77	.	.	SYM
cblr-14250	473	78	168	168	NUM
cblr-14250	473	79	columbia	columbia	PROPN
cblr-14250	473	80	business	business	NOUN
cblr-14250	473	81	law	law	PROPN
cblr-14250	473	82	review	review	NOUN
cblr-14250	474	1	[	[	X
cblr-14250	474	2	vol	vol	NOUN
cblr-14250	474	3	.	.	PUNCT
cblr-14250	474	4	2025	2025	NUM
cblr-14250	474	5	supervision	supervision	NOUN
cblr-14250	474	6	in	in	ADP
cblr-14250	474	7	anticipation	anticipation	NOUN
cblr-14250	474	8	of	of	ADP
cblr-14250	474	9	the	the	DET
cblr-14250	474	10	even	even	ADV
cblr-14250	474	11	more	more	ADV
cblr-14250	474	12	devastating	devastating	ADJ
cblr-14250	474	13	1873	1873	NUM
cblr-14250	474	14	panic.87	panic.87	PROPN
cblr-14250	474	15	callender	callender	NOUN
cblr-14250	474	16	’s	’s	PART
cblr-14250	474	17	misdeeds	misdeed	NOUN
cblr-14250	474	18	inspired	inspire	VERB
cblr-14250	474	19	hot	hot	ADJ
cblr-14250	474	20	outrage	outrage	NOUN
cblr-14250	474	21	.	.	PUNCT
cblr-14250	475	1	“	"	PUNCT
cblr-14250	475	2	a	a	DET
cblr-14250	475	3	graver	graver	ADJ
cblr-14250	475	4	charge	charge	NOUN
cblr-14250	475	5	was	be	AUX
cblr-14250	475	6	never	never	ADV
cblr-14250	475	7	laid	lay	VERB
cblr-14250	475	8	at	at	ADP
cblr-14250	475	9	a	a	DET
cblr-14250	475	10	man	man	NOUN
cblr-14250	475	11	’s	’s	PART
cblr-14250	475	12	door	door	NOUN
cblr-14250	475	13	,	,	PUNCT
cblr-14250	475	14	”	"	PUNCT
cblr-14250	475	15	the	the	DET
cblr-14250	475	16	chicago	chicago	PROPN
cblr-14250	475	17	tribune	tribune	PROPN
cblr-14250	475	18	declared	declare	VERB
cblr-14250	475	19	.	.	PUNCT
cblr-14250	476	1	“	"	PUNCT
cblr-14250	476	2	not	not	PART
cblr-14250	476	3	alone	alone	ADJ
cblr-14250	476	4	because	because	SCONJ
cblr-14250	476	5	he	he	PRON
cblr-14250	476	6	was	be	AUX
cblr-14250	476	7	bleeding	bleed	VERB
cblr-14250	476	8	weak	weak	ADJ
cblr-14250	476	9	banks	bank	NOUN
cblr-14250	476	10	by	by	ADP
cblr-14250	476	11	blackmail	blackmail	NOUN
cblr-14250	476	12	,	,	PUNCT
cblr-14250	476	13	not	not	PART
cblr-14250	476	14	alone	alone	ADJ
cblr-14250	476	15	because	because	SCONJ
cblr-14250	476	16	he	he	PRON
cblr-14250	476	17	was	be	AUX
cblr-14250	476	18	using	use	VERB
cblr-14250	476	19	his	his	PRON
cblr-14250	476	20	official	official	ADJ
cblr-14250	476	21	position	position	NOUN
cblr-14250	476	22	to	to	PART
cblr-14250	476	23	illegally	illegally	ADV
cblr-14250	476	24	increase	increase	VERB
cblr-14250	476	25	his	his	PRON
cblr-14250	476	26	income	income	NOUN
cblr-14250	476	27	,	,	PUNCT
cblr-14250	476	28	but	but	CCONJ
cblr-14250	476	29	because	because	SCONJ
cblr-14250	476	30	he	he	PRON
cblr-14250	476	31	was	be	AUX
cblr-14250	476	32	aiming	aim	VERB
cblr-14250	476	33	a	a	DET
cblr-14250	476	34	direct	direct	ADJ
cblr-14250	476	35	blow	blow	NOUN
cblr-14250	476	36	at	at	ADP
cblr-14250	476	37	the	the	DET
cblr-14250	476	38	commerce	commerce	NOUN
cblr-14250	476	39	of	of	ADP
cblr-14250	476	40	the	the	DET
cblr-14250	476	41	country	country	NOUN
cblr-14250	476	42	by	by	ADP
cblr-14250	476	43	bolstering	bolster	VERB
cblr-14250	476	44	rotten	rotten	ADJ
cblr-14250	476	45	banks	bank	NOUN
cblr-14250	476	46	.	.	PUNCT
cblr-14250	476	47	”	"	PUNCT
cblr-14250	477	1	bolstering	bolster	VERB
cblr-14250	477	2	rotten	rotten	ADJ
cblr-14250	477	3	banks	bank	NOUN
cblr-14250	477	4	allowed	allow	VERB
cblr-14250	477	5	the	the	DET
cblr-14250	477	6	rot	rot	NOUN
cblr-14250	477	7	to	to	PART
cblr-14250	477	8	spread	spread	VERB
cblr-14250	477	9	—	—	PUNCT
cblr-14250	477	10	building	build	VERB
cblr-14250	477	11	up	up	ADP
cblr-14250	477	12	risk	risk	NOUN
cblr-14250	477	13	in	in	ADP
cblr-14250	477	14	a	a	DET
cblr-14250	477	15	system	system	NOUN
cblr-14250	477	16	where	where	SCONJ
cblr-14250	477	17	private	private	ADJ
cblr-14250	477	18	,	,	PUNCT
cblr-14250	477	19	personal	personal	ADJ
cblr-14250	477	20	responsibility	responsibility	NOUN
cblr-14250	477	21	was	be	AUX
cblr-14250	477	22	the	the	DET
cblr-14250	477	23	only	only	ADJ
cblr-14250	477	24	risk	risk	NOUN
cblr-14250	477	25	absorber	absorber	NOUN
cblr-14250	477	26	.	.	PUNCT
cblr-14250	478	1	as	as	ADP
cblr-14250	478	2	such	such	ADJ
cblr-14250	478	3	,	,	PUNCT
cblr-14250	478	4	callender	callender	PROPN
cblr-14250	478	5	’s	’s	PART
cblr-14250	478	6	misdeeds	misdeed	NOUN
cblr-14250	478	7	fundamentally	fundamentally	ADV
cblr-14250	478	8	undermined	undermine	VERB
cblr-14250	478	9	the	the	DET
cblr-14250	478	10	legitimacy	legitimacy	NOUN
cblr-14250	478	11	of	of	ADP
cblr-14250	478	12	the	the	DET
cblr-14250	478	13	nascent	nascent	ADJ
cblr-14250	478	14	national	national	ADJ
cblr-14250	478	15	banking	banking	NOUN
cblr-14250	478	16	system	system	NOUN
cblr-14250	478	17	and	and	CCONJ
cblr-14250	478	18	its	its	PRON
cblr-14250	478	19	supervisory	supervisory	ADJ
cblr-14250	478	20	regime	regime	NOUN
cblr-14250	478	21	.	.	PUNCT
cblr-14250	479	1	it	it	PRON
cblr-14250	479	2	also	also	ADV
cblr-14250	479	3	led	lead	VERB
cblr-14250	479	4	to	to	ADP
cblr-14250	479	5	a	a	DET
cblr-14250	479	6	frank	frank	ADJ
cblr-14250	479	7	acknowledgment	acknowledgment	NOUN
cblr-14250	479	8	that	that	SCONJ
cblr-14250	479	9	supervision	supervision	NOUN
cblr-14250	479	10	was	be	AUX
cblr-14250	479	11	,	,	PUNCT
cblr-14250	479	12	at	at	ADP
cblr-14250	479	13	least	least	ADJ
cblr-14250	479	14	in	in	ADP
cblr-14250	479	15	part	part	NOUN
cblr-14250	479	16	,	,	PUNCT
cblr-14250	479	17	a	a	DET
cblr-14250	479	18	partnership	partnership	NOUN
cblr-14250	479	19	between	between	ADP
cblr-14250	479	20	public	public	ADJ
cblr-14250	479	21	and	and	CCONJ
cblr-14250	479	22	private	private	ADJ
cblr-14250	479	23	institutions	institution	NOUN
cblr-14250	479	24	.	.	PUNCT
cblr-14250	480	1	“	"	PUNCT
cblr-14250	480	2	the	the	DET
cblr-14250	480	3	best	good	ADJ
cblr-14250	480	4	thing	thing	NOUN
cblr-14250	480	5	to	to	PART
cblr-14250	480	6	do	do	VERB
cblr-14250	480	7	with	with	ADP
cblr-14250	480	8	the	the	DET
cblr-14250	480	9	position	position	NOUN
cblr-14250	480	10	,	,	PUNCT
cblr-14250	480	11	”	"	PUNCT
cblr-14250	480	12	the	the	DET
cblr-14250	480	13	financier	financier	NOUN
cblr-14250	480	14	wrote	write	VERB
cblr-14250	480	15	in	in	ADP
cblr-14250	480	16	1872	1872	NUM
cblr-14250	480	17	,	,	PUNCT
cblr-14250	480	18	“	"	PUNCT
cblr-14250	480	19	is	be	AUX
cblr-14250	480	20	to	to	PART
cblr-14250	480	21	leave	leave	VERB
cblr-14250	480	22	it	it	PRON
cblr-14250	480	23	unfilled	unfilled	ADJ
cblr-14250	480	24	altogether	altogether	ADV
cblr-14250	480	25	and	and	CCONJ
cblr-14250	480	26	let	let	VERB
cblr-14250	480	27	mr	mr	PROPN
cblr-14250	480	28	.	.	PROPN
cblr-14250	480	29	callender	callender	PROPN
cblr-14250	480	30	’s	’s	PART
cblr-14250	480	31	odium	odium	NOUN
cblr-14250	480	32	remain	remain	VERB
cblr-14250	480	33	as	as	ADP
cblr-14250	480	34	its	its	PRON
cblr-14250	480	35	memorial	memorial	NOUN
cblr-14250	480	36	.	.	PUNCT
cblr-14250	480	37	”	"	PUNCT
cblr-14250	481	1	instead	instead	ADV
cblr-14250	481	2	,	,	PUNCT
cblr-14250	481	3	the	the	DET
cblr-14250	481	4	comptroller	comptroller	NOUN
cblr-14250	481	5	allowed	allow	VERB
cblr-14250	481	6	the	the	DET
cblr-14250	481	7	new	new	PROPN
cblr-14250	481	8	york	york	PROPN
cblr-14250	481	9	clearinghouse	clearinghouse	NOUN
cblr-14250	481	10	,	,	PUNCT
cblr-14250	481	11	a	a	DET
cblr-14250	481	12	private	private	ADJ
cblr-14250	481	13	institution	institution	NOUN
cblr-14250	481	14	,	,	PUNCT
cblr-14250	481	15	to	to	PART
cblr-14250	481	16	nominate	nominate	VERB
cblr-14250	481	17	callender	callender	NOUN
cblr-14250	481	18	’s	’s	PART
cblr-14250	481	19	replacement	replacement	NOUN
cblr-14250	481	20	,	,	PUNCT
cblr-14250	481	21	charles	charles	PROPN
cblr-14250	481	22	a.	a.	PROPN
cblr-14250	481	23	meigs	meigs	PROPN
cblr-14250	481	24	(	(	PUNCT
cblr-14250	481	25	clearinghouse	clearinghouse	NOUN
cblr-14250	481	26	bankers	banker	NOUN
cblr-14250	481	27	,	,	PUNCT
cblr-14250	481	28	appointed	appoint	VERB
cblr-14250	481	29	as	as	ADP
cblr-14250	481	30	ad	ad	X
cblr-14250	481	31	hoc	hoc	X
cblr-14250	481	32	examiners	examiner	NOUN
cblr-14250	481	33	,	,	PUNCT
cblr-14250	481	34	had	have	AUX
cblr-14250	481	35	rooted	root	VERB
cblr-14250	481	36	out	out	ADP
cblr-14250	481	37	callender	callender	NOUN
cblr-14250	481	38	’s	’s	PART
cblr-14250	481	39	misdeeds	misdeed	NOUN
cblr-14250	481	40	in	in	ADP
cblr-14250	481	41	the	the	DET
cblr-14250	481	42	first	first	ADJ
cblr-14250	481	43	place	place	NOUN
cblr-14250	481	44	)	)	PUNCT
cblr-14250	481	45	.	.	PUNCT
cblr-14250	482	1	private	private	ADJ
cblr-14250	482	2	sector	sector	NOUN
cblr-14250	482	3	control	control	NOUN
cblr-14250	482	4	over	over	ADP
cblr-14250	482	5	federal	federal	ADJ
cblr-14250	482	6	appointments	appointment	NOUN
cblr-14250	482	7	—	—	PUNCT
cblr-14250	482	8	not	not	PART
cblr-14250	482	9	influence	influence	NOUN
cblr-14250	482	10	,	,	PUNCT
cblr-14250	482	11	but	but	CCONJ
cblr-14250	482	12	absolute	absolute	ADJ
cblr-14250	482	13	control	control	NOUN
cblr-14250	482	14	—	—	PUNCT
cblr-14250	482	15	remained	remain	VERB
cblr-14250	482	16	an	an	DET
cblr-14250	482	17	informal	informal	ADJ
cblr-14250	482	18	tradition	tradition	NOUN
cblr-14250	482	19	that	that	PRON
cblr-14250	482	20	continued	continue	VERB
cblr-14250	482	21	well	well	ADV
cblr-14250	482	22	into	into	ADP
cblr-14250	482	23	the	the	DET
cblr-14250	482	24	twentieth	twentieth	ADJ
cblr-14250	482	25	century.88	century.88	PROPN
cblr-14250	482	26	87	87	NUM
cblr-14250	482	27	charles	charles	PROPN
cblr-14250	482	28	callender	callender	PROPN
cblr-14250	482	29	’s	’s	PART
cblr-14250	482	30	loans	loan	NOUN
cblr-14250	482	31	,	,	PUNCT
cblr-14250	482	32	n.y	n.y	PROPN
cblr-14250	482	33	.	.	PROPN
cblr-14250	482	34	times	times	PROPN
cblr-14250	482	35	,	,	PUNCT
cblr-14250	482	36	mar	mar	PROPN
cblr-14250	482	37	.	.	PROPN
cblr-14250	482	38	31	31	NUM
cblr-14250	482	39	,	,	PUNCT
cblr-14250	482	40	1874	1874	NUM
cblr-14250	482	41	,	,	PUNCT
cblr-14250	482	42	at	at	ADP
cblr-14250	482	43	4	4	NUM
cblr-14250	482	44	;	;	PUNCT
cblr-14250	482	45	failures	failure	NOUN
cblr-14250	482	46	of	of	ADP
cblr-14250	482	47	national	national	ADJ
cblr-14250	482	48	banks	bank	NOUN
cblr-14250	482	49	:	:	PUNCT
cblr-14250	482	50	hearing	hear	VERB
cblr-14250	482	51	before	before	ADP
cblr-14250	482	52	the	the	DET
cblr-14250	482	53	h.	h.	PROPN
cblr-14250	482	54	comm	comm	NOUN
cblr-14250	482	55	.	.	PUNCT
cblr-14250	483	1	on	on	ADP
cblr-14250	483	2	banking	banking	NOUN
cblr-14250	483	3	and	and	CCONJ
cblr-14250	483	4	currency	currency	NOUN
cblr-14250	483	5	,	,	PUNCT
cblr-14250	483	6	42nd	42nd	PROPN
cblr-14250	483	7	cong	cong	NOUN
cblr-14250	483	8	.	.	PROPN
cblr-14250	483	9	,	,	PUNCT
cblr-14250	483	10	h.	h.	PROPN
cblr-14250	483	11	misc	misc	PROPN
cblr-14250	483	12	.	.	PUNCT
cblr-14250	484	1	doc	doc	PROPN
cblr-14250	484	2	.	.	PROPN
cblr-14250	484	3	42	42	NUM
cblr-14250	484	4	-	-	SYM
cblr-14250	484	5	153	153	NUM
cblr-14250	484	6	(	(	PUNCT
cblr-14250	484	7	1872	1872	NUM
cblr-14250	484	8	)	)	PUNCT
cblr-14250	484	9	at	at	ADP
cblr-14250	484	10	5	5	NUM
cblr-14250	484	11	.	.	PUNCT
cblr-14250	485	1	the	the	DET
cblr-14250	485	2	scandal	scandal	NOUN
cblr-14250	485	3	also	also	ADV
cblr-14250	485	4	implicated	implicate	VERB
cblr-14250	485	5	or	or	CCONJ
cblr-14250	485	6	exposed	expose	VERB
cblr-14250	485	7	boss	boss	NOUN
cblr-14250	485	8	tweed	tweed	NOUN
cblr-14250	485	9	(	(	PUNCT
cblr-14250	485	10	a	a	DET
cblr-14250	485	11	director	director	NOUN
cblr-14250	485	12	of	of	ADP
cblr-14250	485	13	one	one	NUM
cblr-14250	485	14	of	of	ADP
cblr-14250	485	15	the	the	DET
cblr-14250	485	16	corrupt	corrupt	ADJ
cblr-14250	485	17	banks	bank	NOUN
cblr-14250	485	18	)	)	PUNCT
cblr-14250	485	19	and	and	CCONJ
cblr-14250	485	20	comptroller	comptroller	NOUN
cblr-14250	485	21	hurlburd	hurlburd	NOUN
cblr-14250	485	22	(	(	PUNCT
cblr-14250	485	23	under	under	ADP
cblr-14250	485	24	a	a	DET
cblr-14250	485	25	cloud	cloud	NOUN
cblr-14250	485	26	of	of	ADP
cblr-14250	485	27	suspicion	suspicion	NOUN
cblr-14250	485	28	after	after	SCONJ
cblr-14250	485	29	he	he	PRON
cblr-14250	485	30	accepted	accept	VERB
cblr-14250	485	31	a	a	DET
cblr-14250	485	32	carriage	carriage	NOUN
cblr-14250	485	33	from	from	ADP
cblr-14250	485	34	a	a	DET
cblr-14250	485	35	national	national	ADJ
cblr-14250	485	36	banker	banker	NOUN
cblr-14250	485	37	who	who	PRON
cblr-14250	485	38	accused	accuse	VERB
cblr-14250	485	39	him	he	PRON
cblr-14250	485	40	of	of	ADP
cblr-14250	485	41	importuning	importune	VERB
cblr-14250	485	42	a	a	DET
cblr-14250	485	43	bribe	bribe	NOUN
cblr-14250	485	44	.	.	PUNCT
cblr-14250	485	45	)	)	PUNCT
cblr-14250	486	1	see	see	VERB
cblr-14250	486	2	jeffrey	jeffrey	PROPN
cblr-14250	486	3	d.	d.	PROPN
cblr-14250	486	4	broxmeyer	broxmeyer	PROPN
cblr-14250	486	5	,	,	PUNCT
cblr-14250	486	6	political	political	ADJ
cblr-14250	486	7	capitalism	capitalism	NOUN
cblr-14250	486	8	in	in	ADP
cblr-14250	486	9	the	the	DET
cblr-14250	486	10	gilded	gilded	ADJ
cblr-14250	486	11	age	age	NOUN
cblr-14250	486	12	:	:	PUNCT
cblr-14250	486	13	the	the	DET
cblr-14250	486	14	tammany	tammany	NOUN
cblr-14250	486	15	bank	bank	NOUN
cblr-14250	486	16	run	run	NOUN
cblr-14250	486	17	of	of	ADP
cblr-14250	486	18	1871	1871	NUM
cblr-14250	486	19	,	,	PUNCT
cblr-14250	486	20	16	16	NUM
cblr-14250	486	21	j.	j.	PROPN
cblr-14250	486	22	gilded	gild	VERB
cblr-14250	486	23	age	age	NOUN
cblr-14250	486	24	&	&	CCONJ
cblr-14250	486	25	prog	prog	PROPN
cblr-14250	486	26	.	.	PUNCT
cblr-14250	487	1	era	era	NOUN
cblr-14250	487	2	44	44	NUM
cblr-14250	487	3	(	(	PUNCT
cblr-14250	487	4	2017	2017	NUM
cblr-14250	487	5	)	)	PUNCT
cblr-14250	487	6	;	;	PUNCT
cblr-14250	487	7	the	the	DET
cblr-14250	487	8	case	case	NOUN
cblr-14250	487	9	of	of	ADP
cblr-14250	487	10	callender	callender	PROPN
cblr-14250	487	11	,	,	PUNCT
cblr-14250	487	12	n.y	n.y	PROPN
cblr-14250	487	13	.	.	PROPN
cblr-14250	487	14	times	times	PROPN
cblr-14250	487	15	,	,	PUNCT
cblr-14250	487	16	dec	dec	PROPN
cblr-14250	487	17	.	.	PROPN
cblr-14250	487	18	28	28	NUM
cblr-14250	487	19	,	,	PUNCT
cblr-14250	487	20	1871	1871	NUM
cblr-14250	487	21	,	,	PUNCT
cblr-14250	487	22	at	at	ADP
cblr-14250	487	23	2	2	NUM
cblr-14250	487	24	;	;	PUNCT
cblr-14250	487	25	financial	financial	ADJ
cblr-14250	487	26	troubles	trouble	NOUN
cblr-14250	487	27	,	,	PUNCT
cblr-14250	487	28	n.y	n.y	PROPN
cblr-14250	487	29	.	.	PROPN
cblr-14250	487	30	trib	trib	PROPN
cblr-14250	487	31	.	.	PROPN
cblr-14250	487	32	,	,	PUNCT
cblr-14250	487	33	dec	dec	PROPN
cblr-14250	487	34	.	.	PROPN
cblr-14250	487	35	13	13	NUM
cblr-14250	487	36	,	,	PUNCT
cblr-14250	487	37	1871	1871	NUM
cblr-14250	487	38	,	,	PUNCT
cblr-14250	487	39	at	at	ADP
cblr-14250	487	40	1	1	NUM
cblr-14250	487	41	;	;	PUNCT
cblr-14250	487	42	failures	failure	NOUN
cblr-14250	487	43	of	of	ADP
cblr-14250	487	44	national	national	ADJ
cblr-14250	487	45	banks	bank	NOUN
cblr-14250	487	46	,	,	PUNCT
cblr-14250	487	47	supra	supra	PROPN
cblr-14250	487	48	,	,	PUNCT
cblr-14250	487	49	at	at	ADP
cblr-14250	487	50	15	15	NUM
cblr-14250	487	51	,	,	PUNCT
cblr-14250	487	52	39	39	NUM
cblr-14250	487	53	.	.	PUNCT
cblr-14250	487	54	88	88	NUM
cblr-14250	487	55	the	the	DET
cblr-14250	487	56	examination	examination	NOUN
cblr-14250	487	57	of	of	ADP
cblr-14250	487	58	banks	bank	NOUN
cblr-14250	487	59	,	,	PUNCT
cblr-14250	487	60	financier	financier	NOUN
cblr-14250	487	61	,	,	PUNCT
cblr-14250	487	62	jan	jan	PROPN
cblr-14250	487	63	.	.	PROPN
cblr-14250	487	64	20	20	NUM
cblr-14250	487	65	,	,	PUNCT
cblr-14250	487	66	1872	1872	NUM
cblr-14250	487	67	;	;	PUNCT
cblr-14250	487	68	john	john	PROPN
cblr-14250	487	69	a.	a.	PROPN
cblr-14250	487	70	james	james	PROPN
cblr-14250	487	71	&	&	CCONJ
cblr-14250	487	72	david	david	PROPN
cblr-14250	487	73	f.	f.	PROPN
cblr-14250	487	74	weinman	weinman	PROPN
cblr-14250	487	75	,	,	PUNCT
cblr-14250	487	76	the	the	DET
cblr-14250	487	77	national	national	ADJ
cblr-14250	487	78	banking	banking	NOUN
cblr-14250	487	79	acts	act	NOUN
cblr-14250	487	80	and	and	CCONJ
cblr-14250	487	81	the	the	DET
cblr-14250	487	82	transformation	transformation	NOUN
cblr-14250	487	83	of	of	ADP
cblr-14250	487	84	new	new	PROPN
cblr-14250	487	85	york	york	PROPN
cblr-14250	487	86	city	city	PROPN
cblr-14250	487	87	banking	banking	NOUN
cblr-14250	487	88	during	during	ADP
cblr-14250	487	89	the	the	DET
cblr-14250	487	90	civil	civil	ADJ
cblr-14250	487	91	war	war	NOUN
cblr-14250	487	92	era	era	NOUN
cblr-14250	487	93	,	,	PUNCT
cblr-14250	487	94	71	71	NUM
cblr-14250	487	95	j.	j.	PROPN
cblr-14250	487	96	econ	econ	PROPN
cblr-14250	487	97	.	.	PUNCT
cblr-14250	488	1	hist	hist	PROPN
cblr-14250	488	2	.	.	PROPN
cblr-14250	489	1	338	338	NUM
cblr-14250	489	2	no	no	NOUN
cblr-14250	489	3	.	.	NOUN
cblr-14250	489	4	1	1	NUM
cblr-14250	489	5	]	]	PUNCT
cblr-14250	489	6	risk	risk	NOUN
cblr-14250	489	7	,	,	PUNCT
cblr-14250	489	8	discretion	discretion	NOUN
cblr-14250	489	9	,	,	PUNCT
cblr-14250	489	10	and	and	CCONJ
cblr-14250	489	11	bank	bank	NOUN
cblr-14250	489	12	supervision	supervision	NOUN
cblr-14250	489	13	169	169	NUM
cblr-14250	489	14	the	the	DET
cblr-14250	489	15	panic	panic	NOUN
cblr-14250	489	16	of	of	ADP
cblr-14250	489	17	1873	1873	NUM
cblr-14250	489	18	accelerated	accelerate	VERB
cblr-14250	489	19	this	this	DET
cblr-14250	489	20	trend	trend	NOUN
cblr-14250	489	21	toward	toward	ADP
cblr-14250	489	22	private	private	ADJ
cblr-14250	489	23	risk	risk	NOUN
cblr-14250	489	24	management	management	NOUN
cblr-14250	489	25	.	.	PUNCT
cblr-14250	490	1	in	in	ADP
cblr-14250	490	2	september	september	PROPN
cblr-14250	490	3	1873	1873	NUM
cblr-14250	490	4	,	,	PUNCT
cblr-14250	490	5	the	the	DET
cblr-14250	490	6	merchant	merchant	NOUN
cblr-14250	490	7	bank	bank	PROPN
cblr-14250	490	8	jay	jay	PROPN
cblr-14250	490	9	cooke	cooke	PROPN
cblr-14250	490	10	&	&	CCONJ
cblr-14250	490	11	company	company	PROPN
cblr-14250	490	12	failed	fail	VERB
cblr-14250	490	13	,	,	PUNCT
cblr-14250	490	14	sparking	spark	VERB
cblr-14250	490	15	a	a	DET
cblr-14250	490	16	major	major	ADJ
cblr-14250	490	17	financial	financial	ADJ
cblr-14250	490	18	panic.89	panic.89	NOUN
cblr-14250	490	19	as	as	SCONJ
cblr-14250	490	20	country	country	NOUN
cblr-14250	490	21	banks	bank	NOUN
cblr-14250	490	22	called	call	VERB
cblr-14250	490	23	in	in	ADP
cblr-14250	490	24	their	their	PRON
cblr-14250	490	25	reserves	reserve	NOUN
cblr-14250	490	26	and	and	CCONJ
cblr-14250	490	27	cash	cash	NOUN
cblr-14250	490	28	drained	drain	VERB
cblr-14250	490	29	from	from	ADP
cblr-14250	490	30	new	new	PROPN
cblr-14250	490	31	york	york	PROPN
cblr-14250	490	32	,	,	PUNCT
cblr-14250	490	33	the	the	DET
cblr-14250	490	34	comptroller	comptroller	NOUN
cblr-14250	490	35	was	be	AUX
cblr-14250	490	36	powerless	powerless	ADJ
cblr-14250	490	37	.	.	PUNCT
cblr-14250	491	1	the	the	DET
cblr-14250	491	2	comptroller	comptroller	NOUN
cblr-14250	491	3	’s	’s	PART
cblr-14250	491	4	tools	tool	NOUN
cblr-14250	491	5	—	—	PUNCT
cblr-14250	491	6	chartering	chartering	NOUN
cblr-14250	491	7	,	,	PUNCT
cblr-14250	491	8	examination	examination	NOUN
cblr-14250	491	9	,	,	PUNCT
cblr-14250	491	10	forbearance	forbearance	NOUN
cblr-14250	491	11	,	,	PUNCT
cblr-14250	491	12	and	and	CCONJ
cblr-14250	491	13	liquidation	liquidation	NOUN
cblr-14250	491	14	—	—	PUNCT
cblr-14250	491	15	were	be	AUX
cblr-14250	491	16	not	not	PART
cblr-14250	491	17	sufficient	sufficient	ADJ
cblr-14250	491	18	to	to	PART
cblr-14250	491	19	manage	manage	VERB
cblr-14250	491	20	financial	financial	ADJ
cblr-14250	491	21	panic	panic	NOUN
cblr-14250	491	22	because	because	SCONJ
cblr-14250	491	23	the	the	DET
cblr-14250	491	24	comptroller	comptroller	NOUN
cblr-14250	491	25	did	do	AUX
cblr-14250	491	26	not	not	PART
cblr-14250	491	27	have	have	VERB
cblr-14250	491	28	the	the	DET
cblr-14250	491	29	one	one	NUM
cblr-14250	491	30	thing	thing	NOUN
cblr-14250	491	31	that	that	PRON
cblr-14250	491	32	a	a	DET
cblr-14250	491	33	panic	panic	NOUN
cblr-14250	491	34	needed	need	VERB
cblr-14250	491	35	:	:	PUNCT
cblr-14250	491	36	money	money	NOUN
cblr-14250	491	37	.	.	PUNCT
cblr-14250	492	1	writing	write	VERB
cblr-14250	492	2	the	the	DET
cblr-14250	492	3	same	same	ADJ
cblr-14250	492	4	year	year	NOUN
cblr-14250	492	5	as	as	ADP
cblr-14250	492	6	the	the	DET
cblr-14250	492	7	panic	panic	NOUN
cblr-14250	492	8	,	,	PUNCT
cblr-14250	492	9	the	the	DET
cblr-14250	492	10	british	british	PROPN
cblr-14250	492	11	economist	economist	PROPN
cblr-14250	492	12	walter	walter	PROPN
cblr-14250	492	13	bagehot	bagehot	PROPN
cblr-14250	492	14	famously	famously	ADV
cblr-14250	492	15	wrote	write	VERB
cblr-14250	492	16	that	that	SCONJ
cblr-14250	492	17	panics	panic	NOUN
cblr-14250	492	18	are	be	AUX
cblr-14250	492	19	“	"	PUNCT
cblr-14250	492	20	a	a	DET
cblr-14250	492	21	species	species	NOUN
cblr-14250	492	22	of	of	ADP
cblr-14250	492	23	neuralgia	neuralgia	NOUN
cblr-14250	492	24	,	,	PUNCT
cblr-14250	492	25	and	and	CCONJ
cblr-14250	492	26	according	accord	VERB
cblr-14250	492	27	to	to	ADP
cblr-14250	492	28	the	the	DET
cblr-14250	492	29	rules	rule	NOUN
cblr-14250	492	30	of	of	ADP
cblr-14250	492	31	science	science	NOUN
cblr-14250	492	32	you	you	PRON
cblr-14250	492	33	must	must	AUX
cblr-14250	492	34	not	not	PART
cblr-14250	492	35	starve	starve	VERB
cblr-14250	492	36	it	it	PRON
cblr-14250	492	37	.	.	PUNCT
cblr-14250	493	1	the	the	DET
cblr-14250	493	2	holders	holder	NOUN
cblr-14250	493	3	of	of	ADP
cblr-14250	493	4	the	the	DET
cblr-14250	493	5	cash	cash	NOUN
cblr-14250	493	6	reserve	reserve	NOUN
cblr-14250	493	7	must	must	AUX
cblr-14250	493	8	be	be	AUX
cblr-14250	493	9	ready	ready	ADJ
cblr-14250	493	10	not	not	PART
cblr-14250	493	11	only	only	ADV
cblr-14250	493	12	to	to	PART
cblr-14250	493	13	keep	keep	VERB
cblr-14250	493	14	it	it	PRON
cblr-14250	493	15	for	for	ADP
cblr-14250	493	16	their	their	PRON
cblr-14250	493	17	own	own	ADJ
cblr-14250	493	18	liabilities	liability	NOUN
cblr-14250	493	19	,	,	PUNCT
cblr-14250	493	20	but	but	CCONJ
cblr-14250	493	21	to	to	PART
cblr-14250	493	22	advance	advance	VERB
cblr-14250	493	23	it	it	PRON
cblr-14250	493	24	most	most	ADV
cblr-14250	493	25	freely	freely	ADV
cblr-14250	493	26	for	for	ADP
cblr-14250	493	27	the	the	DET
cblr-14250	493	28	liabilities	liability	NOUN
cblr-14250	493	29	of	of	ADP
cblr-14250	493	30	others	other	NOUN
cblr-14250	493	31	.	.	PUNCT
cblr-14250	494	1	”90	”90	PROPN
cblr-14250	494	2	this	this	PRON
cblr-14250	494	3	is	be	AUX
cblr-14250	494	4	the	the	DET
cblr-14250	494	5	famous	famous	ADJ
cblr-14250	494	6	“	"	PUNCT
cblr-14250	494	7	lender	lender	NOUN
cblr-14250	494	8	of	of	ADP
cblr-14250	494	9	last	last	ADJ
cblr-14250	494	10	resort	resort	NOUN
cblr-14250	494	11	”	"	PUNCT
cblr-14250	494	12	function	function	NOUN
cblr-14250	494	13	,	,	PUNCT
cblr-14250	494	14	but	but	CCONJ
cblr-14250	494	15	the	the	DET
cblr-14250	494	16	comptroller	comptroller	NOUN
cblr-14250	494	17	could	could	AUX
cblr-14250	494	18	not	not	PART
cblr-14250	494	19	perform	perform	VERB
cblr-14250	494	20	it	it	PRON
cblr-14250	494	21	.	.	PUNCT
cblr-14250	495	1	there	there	PRON
cblr-14250	495	2	was	be	VERB
cblr-14250	495	3	no	no	DET
cblr-14250	495	4	financial	financial	ADJ
cblr-14250	495	5	mechanism	mechanism	NOUN
cblr-14250	495	6	for	for	ADP
cblr-14250	495	7	a	a	DET
cblr-14250	495	8	process	process	NOUN
cblr-14250	495	9	that	that	PRON
cblr-14250	495	10	had	have	AUX
cblr-14250	495	11	been	be	AUX
cblr-14250	495	12	located	locate	VERB
cblr-14250	495	13	unevenly	unevenly	ADV
cblr-14250	495	14	through	through	ADP
cblr-14250	495	15	banks	bank	NOUN
cblr-14250	495	16	chartered	charter	VERB
cblr-14250	495	17	at	at	ADP
cblr-14250	495	18	both	both	CCONJ
cblr-14250	495	19	the	the	DET
cblr-14250	495	20	state	state	NOUN
cblr-14250	495	21	and	and	CCONJ
cblr-14250	495	22	federal	federal	ADJ
cblr-14250	495	23	level.91	level.91	NOUN
cblr-14250	495	24	in	in	ADP
cblr-14250	495	25	the	the	DET
cblr-14250	495	26	absence	absence	NOUN
cblr-14250	495	27	of	of	ADP
cblr-14250	495	28	that	that	DET
cblr-14250	495	29	public	public	ADJ
cblr-14250	495	30	balance	balance	NOUN
cblr-14250	495	31	sheet	sheet	NOUN
cblr-14250	495	32	,	,	PUNCT
cblr-14250	495	33	leadership	leadership	NOUN
cblr-14250	495	34	fell	fall	VERB
cblr-14250	495	35	instead	instead	ADV
cblr-14250	495	36	to	to	ADP
cblr-14250	495	37	the	the	DET
cblr-14250	495	38	private	private	ADJ
cblr-14250	495	39	clearinghouse	clearinghouse	NOUN
cblr-14250	495	40	.	.	PUNCT
cblr-14250	496	1	in	in	ADP
cblr-14250	496	2	response	response	NOUN
cblr-14250	496	3	to	to	ADP
cblr-14250	496	4	the	the	DET
cblr-14250	496	5	crisis	crisis	NOUN
cblr-14250	496	6	,	,	PUNCT
cblr-14250	496	7	the	the	DET
cblr-14250	496	8	new	new	PROPN
cblr-14250	496	9	york	york	PROPN
cblr-14250	496	10	clearinghouse	clearinghouse	PROPN
cblr-14250	496	11	worked	work	VERB
cblr-14250	496	12	backwards	backwards	ADV
cblr-14250	496	13	from	from	ADP
cblr-14250	496	14	the	the	DET
cblr-14250	496	15	comptroller	comptroller	NOUN
cblr-14250	496	16	.	.	PUNCT
cblr-14250	497	1	it	it	PRON
cblr-14250	497	2	started	start	VERB
cblr-14250	497	3	with	with	ADP
cblr-14250	497	4	the	the	DET
cblr-14250	497	5	provision	provision	NOUN
cblr-14250	497	6	of	of	ADP
cblr-14250	497	7	liquidity	liquidity	NOUN
cblr-14250	497	8	via	via	ADP
cblr-14250	497	9	its	its	PRON
cblr-14250	497	10	balance	balance	NOUN
cblr-14250	497	11	sheet	sheet	NOUN
cblr-14250	497	12	(	(	PUNCT
cblr-14250	497	13	or	or	CCONJ
cblr-14250	497	14	at	at	ADP
cblr-14250	497	15	least	least	ADJ
cblr-14250	497	16	,	,	PUNCT
cblr-14250	497	17	its	its	PRON
cblr-14250	497	18	bespoke	bespoke	NOUN
cblr-14250	497	19	payment	payment	NOUN
cblr-14250	497	20	system	system	NOUN
cblr-14250	497	21	and	and	CCONJ
cblr-14250	497	22	the	the	DET
cblr-14250	497	23	(	(	PUNCT
cblr-14250	497	24	2011	2011	NUM
cblr-14250	497	25	)	)	PUNCT
cblr-14250	497	26	;	;	PUNCT
cblr-14250	497	27	patrick	patrick	PROPN
cblr-14250	497	28	newman	newman	PROPN
cblr-14250	497	29	,	,	PUNCT
cblr-14250	497	30	origins	origin	NOUN
cblr-14250	497	31	of	of	ADP
cblr-14250	497	32	the	the	DET
cblr-14250	497	33	national	national	ADJ
cblr-14250	497	34	banking	banking	NOUN
cblr-14250	497	35	system	system	NOUN
cblr-14250	497	36	,	,	PUNCT
cblr-14250	497	37	22	22	NUM
cblr-14250	497	38	indep	indep	NOUN
cblr-14250	497	39	.	.	PUNCT
cblr-14250	498	1	rev	rev	PROPN
cblr-14250	498	2	.	.	PROPN
cblr-14250	498	3	383	383	NUM
cblr-14250	498	4	(	(	PUNCT
cblr-14250	498	5	2018	2018	NUM
cblr-14250	498	6	)	)	PUNCT
cblr-14250	498	7	.	.	PUNCT
cblr-14250	499	1	89	89	NUM
cblr-14250	500	1	the	the	DET
cblr-14250	500	2	panic	panic	NOUN
cblr-14250	500	3	of	of	ADP
cblr-14250	500	4	1873	1873	NUM
cblr-14250	500	5	exercised	exercise	VERB
cblr-14250	500	6	a	a	DET
cblr-14250	500	7	major	major	ADJ
cblr-14250	500	8	impact	impact	NOUN
cblr-14250	500	9	on	on	ADP
cblr-14250	500	10	the	the	DET
cblr-14250	500	11	political	political	ADJ
cblr-14250	500	12	and	and	CCONJ
cblr-14250	500	13	economic	economic	ADJ
cblr-14250	500	14	landscape	landscape	NOUN
cblr-14250	500	15	of	of	ADP
cblr-14250	500	16	the	the	DET
cblr-14250	500	17	u.s	u.s	PROPN
cblr-14250	500	18	.	.	PROPN
cblr-14250	500	19	,	,	PUNCT
cblr-14250	500	20	perhaps	perhaps	ADV
cblr-14250	500	21	hastening	hasten	VERB
cblr-14250	500	22	the	the	DET
cblr-14250	500	23	end	end	NOUN
cblr-14250	500	24	of	of	ADP
cblr-14250	500	25	reconstruction	reconstruction	NOUN
cblr-14250	500	26	.	.	PUNCT
cblr-14250	501	1	see	see	VERB
cblr-14250	501	2	white	white	ADJ
cblr-14250	501	3	,	,	PUNCT
cblr-14250	501	4	supra	supra	ADJ
cblr-14250	501	5	note	note	NOUN
cblr-14250	501	6	84	84	NUM
cblr-14250	501	7	,	,	PUNCT
cblr-14250	501	8	at	at	ADP
cblr-14250	501	9	264–73	264–73	PROPN
cblr-14250	501	10	;	;	PUNCT
cblr-14250	501	11	irwin	irwin	PROPN
cblr-14250	501	12	unger	unger	PROPN
cblr-14250	501	13	,	,	PUNCT
cblr-14250	501	14	the	the	DET
cblr-14250	501	15	greenback	greenback	NOUN
cblr-14250	501	16	era	era	NOUN
cblr-14250	501	17	:	:	PUNCT
cblr-14250	501	18	a	a	DET
cblr-14250	501	19	social	social	ADJ
cblr-14250	501	20	and	and	CCONJ
cblr-14250	501	21	political	political	ADJ
cblr-14250	501	22	history	history	NOUN
cblr-14250	501	23	of	of	ADP
cblr-14250	501	24	american	american	ADJ
cblr-14250	501	25	finance	finance	NOUN
cblr-14250	501	26	,	,	PUNCT
cblr-14250	501	27	1865–1879	1865–1879	NUM
cblr-14250	501	28	,	,	PUNCT
cblr-14250	501	29	at	at	ADP
cblr-14250	501	30	164	164	NUM
cblr-14250	501	31	-	-	SYM
cblr-14250	501	32	65	65	NUM
cblr-14250	501	33	,	,	PUNCT
cblr-14250	501	34	190	190	NUM
cblr-14250	501	35	-	-	SYM
cblr-14250	501	36	94	94	NUM
cblr-14250	501	37	,	,	PUNCT
cblr-14250	501	38	213	213	NUM
cblr-14250	501	39	-	-	SYM
cblr-14250	501	40	15	15	NUM
cblr-14250	501	41	(	(	PUNCT
cblr-14250	501	42	1964	1964	NUM
cblr-14250	501	43	)	)	PUNCT
cblr-14250	501	44	;	;	PUNCT
cblr-14250	501	45	nicolas	nicolas	PROPN
cblr-14250	501	46	barreyre	barreyre	PROPN
cblr-14250	501	47	,	,	PUNCT
cblr-14250	501	48	the	the	DET
cblr-14250	501	49	politics	politic	NOUN
cblr-14250	501	50	of	of	ADP
cblr-14250	501	51	economic	economic	ADJ
cblr-14250	501	52	crises	crisis	NOUN
cblr-14250	501	53	:	:	PUNCT
cblr-14250	501	54	the	the	DET
cblr-14250	501	55	panic	panic	NOUN
cblr-14250	501	56	of	of	ADP
cblr-14250	501	57	1873	1873	NUM
cblr-14250	501	58	,	,	PUNCT
cblr-14250	501	59	the	the	DET
cblr-14250	501	60	end	end	NOUN
cblr-14250	501	61	of	of	ADP
cblr-14250	501	62	reconstruction	reconstruction	NOUN
cblr-14250	501	63	,	,	PUNCT
cblr-14250	501	64	and	and	CCONJ
cblr-14250	501	65	the	the	DET
cblr-14250	501	66	realignment	realignment	NOUN
cblr-14250	501	67	of	of	ADP
cblr-14250	501	68	american	american	ADJ
cblr-14250	501	69	politics	politic	NOUN
cblr-14250	501	70	,	,	PUNCT
cblr-14250	501	71	10	10	NUM
cblr-14250	501	72	j.	j.	PROPN
cblr-14250	501	73	gilded	gild	VERB
cblr-14250	501	74	age	age	NOUN
cblr-14250	501	75	&	&	CCONJ
cblr-14250	501	76	prog	prog	PROPN
cblr-14250	501	77	.	.	PUNCT
cblr-14250	501	78	era	era	NOUN
cblr-14250	501	79	403	403	NUM
cblr-14250	501	80	(	(	PUNCT
cblr-14250	501	81	2011	2011	NUM
cblr-14250	501	82	)	)	PUNCT
cblr-14250	501	83	.	.	PUNCT
cblr-14250	502	1	90	90	NUM
cblr-14250	502	2	walter	walter	PROPN
cblr-14250	502	3	bagehot	bagehot	NOUN
cblr-14250	502	4	,	,	PUNCT
cblr-14250	502	5	lombard	lombard	PROPN
cblr-14250	502	6	street	street	NOUN
cblr-14250	502	7	a	a	DET
cblr-14250	502	8	description	description	NOUN
cblr-14250	502	9	of	of	ADP
cblr-14250	502	10	the	the	DET
cblr-14250	502	11	money	money	NOUN
cblr-14250	502	12	market	market	NOUN
cblr-14250	502	13	51	51	NUM
cblr-14250	502	14	(	(	PUNCT
cblr-14250	502	15	3d	3d	NUM
cblr-14250	502	16	ed	ed	NOUN
cblr-14250	502	17	.	.	PUNCT
cblr-14250	502	18	1873	1873	NUM
cblr-14250	502	19	)	)	PUNCT
cblr-14250	502	20	.	.	PUNCT
cblr-14250	503	1	91	91	NUM
cblr-14250	503	2	in	in	ADP
cblr-14250	503	3	moments	moment	NOUN
cblr-14250	503	4	of	of	ADP
cblr-14250	503	5	panic	panic	NOUN
cblr-14250	503	6	,	,	PUNCT
cblr-14250	503	7	the	the	DET
cblr-14250	503	8	treasury	treasury	NOUN
cblr-14250	503	9	secretary	secretary	NOUN
cblr-14250	503	10	would	would	AUX
cblr-14250	503	11	often	often	ADV
cblr-14250	503	12	inject	inject	VERB
cblr-14250	503	13	cash	cash	NOUN
cblr-14250	503	14	into	into	ADP
cblr-14250	503	15	the	the	DET
cblr-14250	503	16	new	new	PROPN
cblr-14250	503	17	york	york	PROPN
cblr-14250	503	18	money	money	NOUN
cblr-14250	503	19	market	market	NOUN
cblr-14250	503	20	,	,	PUNCT
cblr-14250	503	21	either	either	CCONJ
cblr-14250	503	22	by	by	ADP
cblr-14250	503	23	pre	pre	ADJ
cblr-14250	503	24	-	-	ADJ
cblr-14250	503	25	paying	pay	VERB
cblr-14250	503	26	treasury	treasury	NOUN
cblr-14250	503	27	bonds	bond	NOUN
cblr-14250	503	28	or	or	CCONJ
cblr-14250	503	29	increasing	increase	VERB
cblr-14250	503	30	federal	federal	ADJ
cblr-14250	503	31	deposits	deposit	NOUN
cblr-14250	503	32	in	in	ADP
cblr-14250	503	33	new	new	PROPN
cblr-14250	503	34	york	york	PROPN
cblr-14250	503	35	city	city	PROPN
cblr-14250	503	36	banks	bank	NOUN
cblr-14250	503	37	.	.	PUNCT
cblr-14250	504	1	see	see	VERB
cblr-14250	504	2	margaret	margaret	PROPN
cblr-14250	504	3	myers	myers	PROPN
cblr-14250	504	4	,	,	PUNCT
cblr-14250	504	5	a	a	DET
cblr-14250	504	6	financial	financial	ADJ
cblr-14250	504	7	history	history	NOUN
cblr-14250	504	8	of	of	ADP
cblr-14250	504	9	the	the	DET
cblr-14250	504	10	united	united	PROPN
cblr-14250	504	11	states	states	PROPN
cblr-14250	504	12	189	189	NUM
cblr-14250	504	13	(	(	PUNCT
cblr-14250	504	14	1970	1970	NUM
cblr-14250	504	15	)	)	PUNCT
cblr-14250	504	16	;	;	PUNCT
cblr-14250	504	17	see	see	VERB
cblr-14250	504	18	sprague	sprague	NOUN
cblr-14250	504	19	,	,	PUNCT
cblr-14250	504	20	supra	supra	PROPN
cblr-14250	504	21	note	note	PROPN
cblr-14250	504	22	84	84	NUM
cblr-14250	504	23	,	,	PUNCT
cblr-14250	504	24	at	at	ADP
cblr-14250	504	25	89–90	89–90	NUM
cblr-14250	504	26	.	.	PUNCT
cblr-14250	505	1	170	170	NUM
cblr-14250	505	2	columbia	columbia	PROPN
cblr-14250	505	3	business	business	NOUN
cblr-14250	505	4	law	law	PROPN
cblr-14250	505	5	review	review	NOUN
cblr-14250	505	6	[	[	X
cblr-14250	505	7	vol	vol	NOUN
cblr-14250	505	8	.	.	PUNCT
cblr-14250	505	9	2025	2025	NUM
cblr-14250	505	10	balance	balance	NOUN
cblr-14250	505	11	sheets	sheet	NOUN
cblr-14250	505	12	of	of	ADP
cblr-14250	505	13	its	its	PRON
cblr-14250	505	14	member	member	NOUN
cblr-14250	505	15	organizations	organization	NOUN
cblr-14250	505	16	)	)	PUNCT
cblr-14250	505	17	and	and	CCONJ
cblr-14250	505	18	moved	move	VERB
cblr-14250	505	19	toward	toward	ADP
cblr-14250	505	20	supervision	supervision	NOUN
cblr-14250	505	21	only	only	ADV
cblr-14250	505	22	as	as	SCONJ
cblr-14250	505	23	it	it	PRON
cblr-14250	505	24	followed	follow	VERB
cblr-14250	505	25	from	from	ADP
cblr-14250	505	26	that	that	DET
cblr-14250	505	27	liquidity	liquidity	NOUN
cblr-14250	505	28	support	support	NOUN
cblr-14250	505	29	.	.	PUNCT
cblr-14250	506	1	if	if	SCONJ
cblr-14250	506	2	the	the	DET
cblr-14250	506	3	panic	panic	NOUN
cblr-14250	506	4	of	of	ADP
cblr-14250	506	5	1873	1873	NUM
cblr-14250	506	6	revealed	reveal	VERB
cblr-14250	506	7	how	how	SCONJ
cblr-14250	506	8	much	much	ADJ
cblr-14250	506	9	supervision	supervision	NOUN
cblr-14250	506	10	had	have	AUX
cblr-14250	506	11	become	become	VERB
cblr-14250	506	12	a	a	DET
cblr-14250	506	13	public	public	ADJ
cblr-14250	506	14	-	-	PUNCT
cblr-14250	506	15	private	private	ADJ
cblr-14250	506	16	partnership	partnership	NOUN
cblr-14250	506	17	,	,	PUNCT
cblr-14250	506	18	it	it	PRON
cblr-14250	506	19	also	also	ADV
cblr-14250	506	20	revealed	reveal	VERB
cblr-14250	506	21	a	a	DET
cblr-14250	506	22	singular	singular	ADJ
cblr-14250	506	23	defect	defect	NOUN
cblr-14250	506	24	in	in	ADP
cblr-14250	506	25	the	the	DET
cblr-14250	506	26	then	then	ADV
cblr-14250	506	27	-	-	PUNCT
cblr-14250	506	28	junior	junior	ADJ
cblr-14250	506	29	public	public	ADJ
cblr-14250	506	30	partner	partner	NOUN
cblr-14250	506	31	.	.	PUNCT
cblr-14250	507	1	in	in	ADP
cblr-14250	507	2	1873	1873	NUM
cblr-14250	507	3	,	,	PUNCT
cblr-14250	507	4	the	the	DET
cblr-14250	507	5	clearinghouse	clearinghouse	NOUN
cblr-14250	507	6	served	serve	VERB
cblr-14250	507	7	the	the	DET
cblr-14250	507	8	lender	lender	NOUN
cblr-14250	507	9	of	of	ADP
cblr-14250	507	10	last	last	ADJ
cblr-14250	507	11	resort	resort	NOUN
cblr-14250	507	12	function	function	NOUN
cblr-14250	507	13	.	.	PUNCT
cblr-14250	508	1	as	as	SCONJ
cblr-14250	508	2	the	the	DET
cblr-14250	508	3	crises	crisis	NOUN
cblr-14250	508	4	of	of	ADP
cblr-14250	508	5	the	the	DET
cblr-14250	508	6	gilded	gild	VERB
cblr-14250	508	7	age	age	NOUN
cblr-14250	508	8	continued	continue	VERB
cblr-14250	508	9	,	,	PUNCT
cblr-14250	508	10	it	it	PRON
cblr-14250	508	11	would	would	AUX
cblr-14250	508	12	become	become	VERB
cblr-14250	508	13	clear	clear	ADJ
cblr-14250	508	14	that	that	SCONJ
cblr-14250	508	15	the	the	DET
cblr-14250	508	16	clearinghouse	clearinghouse	NOUN
cblr-14250	508	17	could	could	AUX
cblr-14250	508	18	not	not	PART
cblr-14250	508	19	or	or	CCONJ
cblr-14250	508	20	would	would	AUX
cblr-14250	508	21	not	not	PART
cblr-14250	508	22	continue	continue	VERB
cblr-14250	508	23	it	it	PRON
cblr-14250	508	24	.	.	PUNCT
cblr-14250	509	1	this	this	DET
cblr-14250	509	2	combination	combination	NOUN
cblr-14250	509	3	of	of	ADP
cblr-14250	509	4	scandal	scandal	NOUN
cblr-14250	509	5	and	and	CCONJ
cblr-14250	509	6	crisis	crisis	NOUN
cblr-14250	509	7	marked	mark	VERB
cblr-14250	509	8	the	the	DET
cblr-14250	509	9	gilded	gild	VERB
cblr-14250	509	10	age	age	NOUN
cblr-14250	509	11	and	and	CCONJ
cblr-14250	509	12	profoundly	profoundly	ADV
cblr-14250	509	13	shaped	shape	VERB
cblr-14250	509	14	the	the	DET
cblr-14250	509	15	institutions	institution	NOUN
cblr-14250	509	16	of	of	ADP
cblr-14250	509	17	bank	bank	PROPN
cblr-14250	509	18	supervision	supervision	NOUN
cblr-14250	509	19	.	.	PUNCT
cblr-14250	510	1	just	just	ADV
cblr-14250	510	2	as	as	SCONJ
cblr-14250	510	3	examiners	examiner	NOUN
cblr-14250	510	4	lacked	lack	VERB
cblr-14250	510	5	the	the	DET
cblr-14250	510	6	tools	tool	NOUN
cblr-14250	510	7	to	to	PART
cblr-14250	510	8	combat	combat	NOUN
cblr-14250	510	9	panic	panic	NOUN
cblr-14250	510	10	,	,	PUNCT
cblr-14250	510	11	they	they	PRON
cblr-14250	510	12	also	also	ADV
cblr-14250	510	13	struggled	struggle	VERB
cblr-14250	510	14	to	to	PART
cblr-14250	510	15	root	root	VERB
cblr-14250	510	16	out	out	ADP
cblr-14250	510	17	another	another	DET
cblr-14250	510	18	persistent	persistent	ADJ
cblr-14250	510	19	source	source	NOUN
cblr-14250	510	20	of	of	ADP
cblr-14250	510	21	bank	bank	NOUN
cblr-14250	510	22	failure	failure	NOUN
cblr-14250	510	23	:	:	PUNCT
cblr-14250	510	24	fraud	fraud	NOUN
cblr-14250	510	25	.	.	PUNCT
cblr-14250	511	1	fraud	fraud	NOUN
cblr-14250	511	2	detection	detection	NOUN
cblr-14250	511	3	as	as	ADP
cblr-14250	511	4	a	a	DET
cblr-14250	511	5	supervisory	supervisory	ADJ
cblr-14250	511	6	calling	calling	NOUN
cblr-14250	511	7	was	be	AUX
cblr-14250	511	8	likewise	likewise	ADV
cblr-14250	511	9	rooted	root	VERB
cblr-14250	511	10	in	in	ADP
cblr-14250	511	11	the	the	DET
cblr-14250	511	12	visitorial	visitorial	ADJ
cblr-14250	511	13	power	power	NOUN
cblr-14250	511	14	.	.	PUNCT
cblr-14250	512	1	examiners	examiner	NOUN
cblr-14250	512	2	could	could	AUX
cblr-14250	512	3	and	and	CCONJ
cblr-14250	512	4	did	do	AUX
cblr-14250	512	5	detect	detect	VERB
cblr-14250	512	6	fraud	fraud	NOUN
cblr-14250	512	7	.	.	PUNCT
cblr-14250	513	1	examiner	examiner	PROPN
cblr-14250	513	2	andrew	andrew	PROPN
cblr-14250	513	3	mygatt	mygatt	PROPN
cblr-14250	513	4	,	,	PUNCT
cblr-14250	513	5	the	the	DET
cblr-14250	513	6	new	new	PROPN
cblr-14250	513	7	york	york	PROPN
cblr-14250	513	8	times	times	PROPN
cblr-14250	513	9	observed	observe	VERB
cblr-14250	513	10	,	,	PUNCT
cblr-14250	513	11	“	"	PUNCT
cblr-14250	513	12	ha[d	ha[d	NOUN
cblr-14250	513	13	]	]	PUNCT
cblr-14250	513	14	brought	bring	VERB
cblr-14250	513	15	many	many	ADJ
cblr-14250	513	16	cashiers	cashier	NOUN
cblr-14250	513	17	to	to	ADP
cblr-14250	513	18	the	the	DET
cblr-14250	513	19	state	state	NOUN
cblr-14250	513	20	prison	prison	NOUN
cblr-14250	513	21	.	.	PUNCT
cblr-14250	514	1	”92	”92	ADJ
cblr-14250	514	2	yet	yet	CCONJ
cblr-14250	514	3	the	the	DET
cblr-14250	514	4	fundamental	fundamental	ADJ
cblr-14250	514	5	information	information	NOUN
cblr-14250	514	6	asymmetry	asymmetry	NOUN
cblr-14250	514	7	between	between	ADP
cblr-14250	514	8	(	(	PUNCT
cblr-14250	514	9	dishonest	dishonest	ADJ
cblr-14250	514	10	)	)	PUNCT
cblr-14250	514	11	bankers	banker	NOUN
cblr-14250	514	12	and	and	CCONJ
cblr-14250	514	13	federal	federal	ADJ
cblr-14250	514	14	examiners	examiner	NOUN
cblr-14250	514	15	who	who	PRON
cblr-14250	514	16	showed	show	VERB
cblr-14250	514	17	up	up	ADP
cblr-14250	514	18	annually	annually	ADV
cblr-14250	514	19	to	to	PART
cblr-14250	514	20	inspect	inspect	VERB
cblr-14250	514	21	their	their	PRON
cblr-14250	514	22	books	book	NOUN
cblr-14250	514	23	was	be	AUX
cblr-14250	514	24	profound	profound	ADJ
cblr-14250	514	25	.	.	PUNCT
cblr-14250	515	1	the	the	DET
cblr-14250	515	2	consequences	consequence	NOUN
cblr-14250	515	3	of	of	ADP
cblr-14250	515	4	fraud	fraud	NOUN
cblr-14250	515	5	were	be	AUX
cblr-14250	515	6	also	also	ADV
cblr-14250	515	7	asymmetric	asymmetric	ADJ
cblr-14250	515	8	.	.	PUNCT
cblr-14250	516	1	when	when	SCONJ
cblr-14250	516	2	examiners	examiner	NOUN
cblr-14250	516	3	failed	fail	VERB
cblr-14250	516	4	to	to	PART
cblr-14250	516	5	detect	detect	VERB
cblr-14250	516	6	fraud	fraud	NOUN
cblr-14250	516	7	,	,	PUNCT
cblr-14250	516	8	and	and	CCONJ
cblr-14250	516	9	especially	especially	ADV
cblr-14250	516	10	when	when	SCONJ
cblr-14250	516	11	defalcations	defalcation	NOUN
cblr-14250	516	12	resulted	result	VERB
cblr-14250	516	13	in	in	ADP
cblr-14250	516	14	losses	loss	NOUN
cblr-14250	516	15	to	to	ADP
cblr-14250	516	16	bank	bank	NOUN
cblr-14250	516	17	depositors	depositor	NOUN
cblr-14250	516	18	,	,	PUNCT
cblr-14250	516	19	such	such	ADJ
cblr-14250	516	20	supervisory	supervisory	ADJ
cblr-14250	516	21	failures	failure	NOUN
cblr-14250	516	22	undercut	undercut	VERB
cblr-14250	516	23	the	the	DET
cblr-14250	516	24	legitimacy	legitimacy	NOUN
cblr-14250	516	25	of	of	ADP
cblr-14250	516	26	federal	federal	ADJ
cblr-14250	516	27	oversight	oversight	NOUN
cblr-14250	516	28	.	.	PUNCT
cblr-14250	517	1	after	after	ADP
cblr-14250	517	2	a	a	DET
cblr-14250	517	3	major	major	ADJ
cblr-14250	517	4	fraud	fraud	NOUN
cblr-14250	517	5	scandal	scandal	NOUN
cblr-14250	517	6	in	in	ADP
cblr-14250	517	7	the	the	DET
cblr-14250	517	8	early	early	ADJ
cblr-14250	517	9	1880s	1880	NOUN
cblr-14250	517	10	,	,	PUNCT
cblr-14250	517	11	observers	observer	NOUN
cblr-14250	517	12	began	begin	VERB
cblr-14250	517	13	to	to	PART
cblr-14250	517	14	recycle	recycle	VERB
cblr-14250	517	15	the	the	DET
cblr-14250	517	16	objections	objection	NOUN
cblr-14250	517	17	to	to	ADP
cblr-14250	517	18	examination	examination	NOUN
cblr-14250	517	19	raised	raise	VERB
cblr-14250	517	20	by	by	ADP
cblr-14250	517	21	the	the	DET
cblr-14250	517	22	new	new	PROPN
cblr-14250	517	23	york	york	PROPN
cblr-14250	517	24	legislature	legislature	NOUN
cblr-14250	517	25	in	in	ADP
cblr-14250	517	26	the	the	DET
cblr-14250	517	27	1840s	1840	NOUN
cblr-14250	517	28	;	;	PUNCT
cblr-14250	517	29	when	when	SCONJ
cblr-14250	517	30	bankers	banker	NOUN
cblr-14250	517	31	were	be	AUX
cblr-14250	517	32	honest	honest	ADJ
cblr-14250	517	33	,	,	PUNCT
cblr-14250	517	34	examiners	examiner	NOUN
cblr-14250	517	35	were	be	AUX
cblr-14250	517	36	n’t	not	PART
cblr-14250	517	37	needed	need	VERB
cblr-14250	517	38	,	,	PUNCT
cblr-14250	517	39	and	and	CCONJ
cblr-14250	517	40	when	when	SCONJ
cblr-14250	517	41	bankers	banker	NOUN
cblr-14250	517	42	were	be	AUX
cblr-14250	517	43	dishonest	dishonest	ADJ
cblr-14250	517	44	,	,	PUNCT
cblr-14250	517	45	examiners	examiner	NOUN
cblr-14250	517	46	were	be	AUX
cblr-14250	517	47	hopelessly	hopelessly	ADV
cblr-14250	517	48	out	out	ADP
cblr-14250	517	49	of	of	ADP
cblr-14250	517	50	their	their	PRON
cblr-14250	517	51	depth	depth	NOUN
cblr-14250	517	52	.	.	PUNCT
cblr-14250	518	1	“	"	PUNCT
cblr-14250	518	2	he	he	PRON
cblr-14250	518	3	is	be	AUX
cblr-14250	518	4	a	a	DET
cblr-14250	518	5	stranger	stranger	NOUN
cblr-14250	518	6	,	,	PUNCT
cblr-14250	518	7	”	"	PUNCT
cblr-14250	518	8	the	the	DET
cblr-14250	518	9	century	century	NOUN
cblr-14250	518	10	magazine	magazine	NOUN
cblr-14250	518	11	observed	observe	VERB
cblr-14250	518	12	in	in	ADP
cblr-14250	518	13	march	march	PROPN
cblr-14250	518	14	1882	1882	NUM
cblr-14250	518	15	,	,	PUNCT
cblr-14250	518	16	who	who	PRON
cblr-14250	518	17	“	"	PUNCT
cblr-14250	518	18	can	can	AUX
cblr-14250	518	19	know	know	VERB
cblr-14250	518	20	little	little	ADJ
cblr-14250	518	21	,	,	PUNCT
cblr-14250	518	22	except	except	SCONJ
cblr-14250	518	23	by	by	ADP
cblr-14250	518	24	hearsay	hearsay	NOUN
cblr-14250	518	25	,	,	PUNCT
cblr-14250	518	26	of	of	ADP
cblr-14250	518	27	the	the	DET
cblr-14250	518	28	character	character	NOUN
cblr-14250	518	29	and	and	CCONJ
cblr-14250	518	30	habits	habit	NOUN
cblr-14250	518	31	of	of	ADP
cblr-14250	518	32	the	the	DET
cblr-14250	518	33	bank	bank	NOUN
cblr-14250	518	34	’s	’s	PART
cblr-14250	518	35	officers	officer	NOUN
cblr-14250	518	36	,	,	PUNCT
cblr-14250	518	37	or	or	CCONJ
cblr-14250	518	38	of	of	ADP
cblr-14250	518	39	the	the	DET
cblr-14250	518	40	security	security	NOUN
cblr-14250	518	41	of	of	ADP
cblr-14250	518	42	its	its	PRON
cblr-14250	518	43	loans	loan	NOUN
cblr-14250	518	44	.	.	PUNCT
cblr-14250	519	1	”93	”93	ADV
cblr-14250	519	2	in	in	ADP
cblr-14250	519	3	response	response	NOUN
cblr-14250	519	4	to	to	ADP
cblr-14250	519	5	these	these	DET
cblr-14250	519	6	twin	twin	ADJ
cblr-14250	519	7	failures	failure	NOUN
cblr-14250	519	8	—	—	PUNCT
cblr-14250	519	9	in	in	ADP
cblr-14250	519	10	crisis	crisis	NOUN
cblr-14250	519	11	prevention	prevention	NOUN
cblr-14250	519	12	and	and	CCONJ
cblr-14250	519	13	fraud	fraud	NOUN
cblr-14250	519	14	prevention	prevention	NOUN
cblr-14250	519	15	—	—	PUNCT
cblr-14250	519	16	comptroller	comptroller	NOUN
cblr-14250	519	17	john	john	PROPN
cblr-14250	519	18	jay	jay	PROPN
cblr-14250	519	19	knox	knox	PROPN
cblr-14250	519	20	and	and	CCONJ
cblr-14250	519	21	his	his	PRON
cblr-14250	519	22	successors	successor	NOUN
cblr-14250	519	23	began	begin	VERB
cblr-14250	519	24	to	to	PART
cblr-14250	519	25	articulate	articulate	VERB
cblr-14250	519	26	a	a	DET
cblr-14250	519	27	revised	revised	ADJ
cblr-14250	519	28	vision	vision	NOUN
cblr-14250	519	29	of	of	ADP
cblr-14250	519	30	federal	federal	ADJ
cblr-14250	519	31	bank	bank	PROPN
cblr-14250	519	32	examiners	examiner	NOUN
cblr-14250	519	33	’	'	PUNCT
cblr-14250	519	34	behind	behind	ADP
cblr-14250	519	35	-	-	PUNCT
cblr-14250	519	36	the	the	DET
cblr-14250	519	37	-	-	PUNCT
cblr-14250	519	38	scenes	scene	NOUN
cblr-14250	519	39	work	work	NOUN
cblr-14250	519	40	.	.	PUNCT
cblr-14250	520	1	knox	knox	PROPN
cblr-14250	520	2	pushed	push	VERB
cblr-14250	520	3	92	92	NUM
cblr-14250	520	4	bank	bank	NOUN
cblr-14250	520	5	examiner	examiner	PROPN
cblr-14250	520	6	mygatt	mygatt	PROPN
cblr-14250	520	7	,	,	PUNCT
cblr-14250	520	8	n.y	n.y	PROPN
cblr-14250	520	9	.	.	PROPN
cblr-14250	520	10	times	times	PROPN
cblr-14250	520	11	,	,	PUNCT
cblr-14250	520	12	mar	mar	PROPN
cblr-14250	520	13	.	.	PROPN
cblr-14250	520	14	7	7	NUM
cblr-14250	520	15	,	,	PUNCT
cblr-14250	520	16	1886	1886	NUM
cblr-14250	520	17	,	,	PUNCT
cblr-14250	520	18	at	at	ADP
cblr-14250	520	19	7	7	NUM
cblr-14250	520	20	.	.	X
cblr-14250	520	21	93	93	NUM
cblr-14250	520	22	broken	break	VERB
cblr-14250	520	23	banks	bank	NOUN
cblr-14250	520	24	and	and	CCONJ
cblr-14250	520	25	lax	lax	ADJ
cblr-14250	520	26	directors	director	NOUN
cblr-14250	520	27	,	,	PUNCT
cblr-14250	520	28	century	century	NOUN
cblr-14250	520	29	illustrated	illustrate	VERB
cblr-14250	520	30	mag	mag	PROPN
cblr-14250	520	31	.	.	PROPN
cblr-14250	520	32	,	,	PUNCT
cblr-14250	520	33	mar	mar	PROPN
cblr-14250	520	34	.	.	PROPN
cblr-14250	520	35	26	26	NUM
cblr-14250	520	36	,	,	PUNCT
cblr-14250	520	37	1882	1882	NUM
cblr-14250	520	38	,	,	PUNCT
cblr-14250	520	39	at	at	ADP
cblr-14250	520	40	770	770	NUM
cblr-14250	520	41	.	.	PUNCT
cblr-14250	521	1	no	no	INTJ
cblr-14250	521	2	.	.	NOUN
cblr-14250	521	3	1	1	NUM
cblr-14250	521	4	]	]	PUNCT
cblr-14250	521	5	risk	risk	NOUN
cblr-14250	521	6	,	,	PUNCT
cblr-14250	521	7	discretion	discretion	NOUN
cblr-14250	521	8	,	,	PUNCT
cblr-14250	521	9	and	and	CCONJ
cblr-14250	521	10	bank	bank	NOUN
cblr-14250	521	11	supervision	supervision	NOUN
cblr-14250	521	12	171	171	NUM
cblr-14250	521	13	examination	examination	NOUN
cblr-14250	521	14	away	away	ADV
cblr-14250	521	15	from	from	ADP
cblr-14250	521	16	the	the	DET
cblr-14250	521	17	image	image	NOUN
cblr-14250	521	18	of	of	ADP
cblr-14250	521	19	courageous	courageous	ADJ
cblr-14250	521	20	fraud	fraud	NOUN
cblr-14250	521	21	detection	detection	NOUN
cblr-14250	521	22	,	,	PUNCT
cblr-14250	521	23	acknowledging	acknowledge	VERB
cblr-14250	521	24	in	in	ADP
cblr-14250	521	25	his	his	PRON
cblr-14250	521	26	statements	statement	NOUN
cblr-14250	521	27	to	to	ADP
cblr-14250	521	28	congress	congress	PROPN
cblr-14250	521	29	that	that	SCONJ
cblr-14250	521	30	examiners	examiner	NOUN
cblr-14250	521	31	were	be	AUX
cblr-14250	521	32	unlikely	unlikely	ADJ
cblr-14250	521	33	to	to	PART
cblr-14250	521	34	catch	catch	VERB
cblr-14250	521	35	the	the	DET
cblr-14250	521	36	long	long	ADJ
cblr-14250	521	37	cons	con	NOUN
cblr-14250	521	38	that	that	PRON
cblr-14250	521	39	dominated	dominate	VERB
cblr-14250	521	40	the	the	DET
cblr-14250	521	41	headlines	headline	NOUN
cblr-14250	521	42	.	.	PUNCT
cblr-14250	522	1	instead	instead	ADV
cblr-14250	522	2	,	,	PUNCT
cblr-14250	522	3	in	in	ADP
cblr-14250	522	4	acknowledgement	acknowledgement	NOUN
cblr-14250	522	5	of	of	ADP
cblr-14250	522	6	the	the	DET
cblr-14250	522	7	asymmetries	asymmetry	NOUN
cblr-14250	522	8	that	that	PRON
cblr-14250	522	9	undercut	undercut	ADJ
cblr-14250	522	10	supervision	supervision	NOUN
cblr-14250	522	11	,	,	PUNCT
cblr-14250	522	12	knox	knox	PROPN
cblr-14250	522	13	sought	seek	VERB
cblr-14250	522	14	to	to	PART
cblr-14250	522	15	make	make	VERB
cblr-14250	522	16	private	private	ADJ
cblr-14250	522	17	shareholders	shareholder	NOUN
cblr-14250	522	18	and	and	CCONJ
cblr-14250	522	19	their	their	PRON
cblr-14250	522	20	appointed	appoint	VERB
cblr-14250	522	21	directors	director	NOUN
cblr-14250	522	22	the	the	DET
cblr-14250	522	23	primary	primary	ADJ
cblr-14250	522	24	risk	risk	NOUN
cblr-14250	522	25	monitors	monitor	NOUN
cblr-14250	522	26	and	and	CCONJ
cblr-14250	522	27	absorbers	absorber	NOUN
cblr-14250	522	28	in	in	ADP
cblr-14250	522	29	the	the	DET
cblr-14250	522	30	banking	banking	NOUN
cblr-14250	522	31	system	system	NOUN
cblr-14250	522	32	.	.	PUNCT
cblr-14250	523	1	“	"	PUNCT
cblr-14250	523	2	the	the	DET
cblr-14250	523	3	examiner	examiner	NOUN
cblr-14250	523	4	can	can	AUX
cblr-14250	523	5	have	have	VERB
cblr-14250	523	6	but	but	CCONJ
cblr-14250	523	7	a	a	DET
cblr-14250	523	8	limited	limited	ADJ
cblr-14250	523	9	knowledge	knowledge	NOUN
cblr-14250	523	10	of	of	ADP
cblr-14250	523	11	the	the	DET
cblr-14250	523	12	habits	habit	NOUN
cblr-14250	523	13	and	and	CCONJ
cblr-14250	523	14	character	character	NOUN
cblr-14250	523	15	of	of	ADP
cblr-14250	523	16	those	those	PRON
cblr-14250	523	17	employed	employ	VERB
cblr-14250	523	18	in	in	ADP
cblr-14250	523	19	the	the	DET
cblr-14250	523	20	bank	bank	NOUN
cblr-14250	523	21	,	,	PUNCT
cblr-14250	523	22	”	"	PUNCT
cblr-14250	523	23	knox	knox	PROPN
cblr-14250	523	24	explained	explain	VERB
cblr-14250	523	25	to	to	ADP
cblr-14250	523	26	congress	congress	PROPN
cblr-14250	523	27	in	in	ADP
cblr-14250	523	28	1881	1881	NUM
cblr-14250	523	29	.	.	PUNCT
cblr-14250	524	1	he	he	PRON
cblr-14250	524	2	further	far	ADV
cblr-14250	524	3	elaborated	elaborate	VERB
cblr-14250	524	4	:	:	PUNCT
cblr-14250	524	5	if	if	SCONJ
cblr-14250	524	6	the	the	DET
cblr-14250	524	7	teller	teller	NOUN
cblr-14250	524	8	is	be	AUX
cblr-14250	524	9	making	make	VERB
cblr-14250	524	10	false	false	ADJ
cblr-14250	524	11	entries	entry	NOUN
cblr-14250	524	12	,	,	PUNCT
cblr-14250	524	13	and	and	CCONJ
cblr-14250	524	14	daily	daily	ADV
cblr-14250	524	15	abstracting	abstract	VERB
cblr-14250	524	16	the	the	DET
cblr-14250	524	17	funds	fund	NOUN
cblr-14250	524	18	of	of	ADP
cblr-14250	524	19	the	the	DET
cblr-14250	524	20	bank	bank	NOUN
cblr-14250	524	21	;	;	PUNCT
cblr-14250	524	22	if	if	SCONJ
cblr-14250	524	23	the	the	DET
cblr-14250	524	24	bookkeeper	bookkeeper	NOUN
cblr-14250	524	25	is	be	AUX
cblr-14250	524	26	keeping	keep	VERB
cblr-14250	524	27	false	false	ADJ
cblr-14250	524	28	accounts	account	NOUN
cblr-14250	524	29	and	and	CCONJ
cblr-14250	524	30	rendering	render	VERB
cblr-14250	524	31	untrue	untrue	ADJ
cblr-14250	524	32	statements	statement	NOUN
cblr-14250	524	33	;	;	PUNCT
cblr-14250	524	34	if	if	SCONJ
cblr-14250	524	35	the	the	DET
cblr-14250	524	36	cashier	cashier	NOUN
cblr-14250	524	37	is	be	AUX
cblr-14250	524	38	placing	place	VERB
cblr-14250	524	39	forged	forged	ADJ
cblr-14250	524	40	paper	paper	NOUN
cblr-14250	524	41	among	among	ADP
cblr-14250	524	42	the	the	DET
cblr-14250	524	43	bills	bill	NOUN
cblr-14250	524	44	receivable	receivable	ADJ
cblr-14250	524	45	and	and	CCONJ
cblr-14250	524	46	upon	upon	SCONJ
cblr-14250	524	47	the	the	DET
cblr-14250	524	48	register	register	NOUN
cblr-14250	524	49	book	book	NOUN
cblr-14250	524	50	,	,	PUNCT
cblr-14250	524	51	and	and	CCONJ
cblr-14250	524	52	transmitting	transmit	VERB
cblr-14250	524	53	such	such	ADJ
cblr-14250	524	54	paper	paper	NOUN
cblr-14250	524	55	to	to	ADP
cblr-14250	524	56	distant	distant	ADJ
cblr-14250	524	57	places	place	NOUN
cblr-14250	524	58	where	where	SCONJ
cblr-14250	524	59	it	it	PRON
cblr-14250	524	60	is	be	AUX
cblr-14250	524	61	purported	purport	VERB
cblr-14250	524	62	to	to	PART
cblr-14250	524	63	be	be	AUX
cblr-14250	524	64	payable	payable	ADJ
cblr-14250	524	65	,	,	PUNCT
cblr-14250	524	66	it	it	PRON
cblr-14250	524	67	is	be	AUX
cblr-14250	524	68	not	not	PART
cblr-14250	524	69	possible	possible	ADJ
cblr-14250	524	70	for	for	ADP
cblr-14250	524	71	an	an	DET
cblr-14250	524	72	examiner	examiner	NOUN
cblr-14250	524	73	,	,	PUNCT
cblr-14250	524	74	in	in	ADP
cblr-14250	524	75	a	a	DET
cblr-14250	524	76	day	day	NOUN
cblr-14250	524	77	or	or	CCONJ
cblr-14250	524	78	two	two	NUM
cblr-14250	524	79	,	,	PUNCT
cblr-14250	524	80	to	to	PART
cblr-14250	524	81	unravel	unravel	VERB
cblr-14250	524	82	this	this	DET
cblr-14250	524	83	evil	evil	ADJ
cblr-14250	524	84	work	work	NOUN
cblr-14250	524	85	,	,	PUNCT
cblr-14250	524	86	which	which	PRON
cblr-14250	524	87	may	may	AUX
cblr-14250	524	88	have	have	AUX
cblr-14250	524	89	continued	continue	VERB
cblr-14250	524	90	for	for	ADP
cblr-14250	524	91	months	month	NOUN
cblr-14250	524	92	,	,	PUNCT
cblr-14250	524	93	and	and	CCONJ
cblr-14250	524	94	obtain	obtain	VERB
cblr-14250	524	95	a	a	DET
cblr-14250	524	96	correct	correct	ADJ
cblr-14250	524	97	balance	balance	NOUN
cblr-14250	524	98	sheet.94	sheet.94	NOUN
cblr-14250	524	99	if	if	SCONJ
cblr-14250	524	100	the	the	DET
cblr-14250	524	101	examiner	examiner	NOUN
cblr-14250	524	102	’s	’s	PART
cblr-14250	524	103	duty	duty	NOUN
cblr-14250	524	104	,	,	PUNCT
cblr-14250	524	105	then	then	ADV
cblr-14250	524	106	,	,	PUNCT
cblr-14250	524	107	was	be	AUX
cblr-14250	524	108	not	not	PART
cblr-14250	524	109	to	to	PART
cblr-14250	524	110	be	be	AUX
cblr-14250	524	111	a	a	DET
cblr-14250	524	112	perfect	perfect	ADJ
cblr-14250	524	113	fraud	fraud	NOUN
cblr-14250	524	114	detective	detective	NOUN
cblr-14250	524	115	,	,	PUNCT
cblr-14250	524	116	it	it	PRON
cblr-14250	524	117	was	be	AUX
cblr-14250	524	118	instead	instead	ADV
cblr-14250	524	119	“	"	PUNCT
cblr-14250	524	120	to	to	PART
cblr-14250	524	121	inform	inform	VERB
cblr-14250	524	122	himself	himself	PRON
cblr-14250	524	123	of	of	ADP
cblr-14250	524	124	the	the	DET
cblr-14250	524	125	condition	condition	NOUN
cblr-14250	524	126	of	of	ADP
cblr-14250	524	127	the	the	DET
cblr-14250	524	128	bank	bank	NOUN
cblr-14250	524	129	,	,	PUNCT
cblr-14250	524	130	and	and	CCONJ
cblr-14250	524	131	to	to	PART
cblr-14250	524	132	require	require	VERB
cblr-14250	524	133	that	that	SCONJ
cblr-14250	524	134	its	its	PRON
cblr-14250	524	135	business	business	NOUN
cblr-14250	524	136	shall	shall	AUX
cblr-14250	524	137	be	be	AUX
cblr-14250	524	138	conducted	conduct	VERB
cblr-14250	524	139	in	in	ADP
cblr-14250	524	140	conformity	conformity	NOUN
cblr-14250	524	141	with	with	ADP
cblr-14250	524	142	law	law	NOUN
cblr-14250	524	143	.	.	PUNCT
cblr-14250	525	1	”95	”95	PROPN
cblr-14250	525	2	knox	knox	PROPN
cblr-14250	525	3	wanted	want	VERB
cblr-14250	525	4	the	the	DET
cblr-14250	525	5	banks	bank	NOUN
cblr-14250	525	6	’	’	PART
cblr-14250	525	7	directors	director	NOUN
cblr-14250	525	8	to	to	PART
cblr-14250	525	9	be	be	AUX
cblr-14250	525	10	the	the	DET
cblr-14250	525	11	sole	sole	ADJ
cblr-14250	525	12	owners	owner	NOUN
cblr-14250	525	13	of	of	ADP
cblr-14250	525	14	residual	residual	ADJ
cblr-14250	525	15	risk	risk	NOUN
cblr-14250	525	16	,	,	PUNCT
cblr-14250	525	17	financial	financial	ADJ
cblr-14250	525	18	or	or	CCONJ
cblr-14250	525	19	otherwise	otherwise	ADV
cblr-14250	525	20	,	,	PUNCT
cblr-14250	525	21	because	because	SCONJ
cblr-14250	525	22	“	"	PUNCT
cblr-14250	525	23	[	[	X
cblr-14250	525	24	t]he	t]he	ADV
cblr-14250	525	25	men	man	NOUN
cblr-14250	525	26	employed	employ	VERB
cblr-14250	525	27	by	by	ADP
cblr-14250	525	28	them	they	PRON
cblr-14250	525	29	in	in	ADP
cblr-14250	525	30	the	the	DET
cblr-14250	525	31	banks	bank	NOUN
cblr-14250	525	32	are	be	AUX
cblr-14250	525	33	under	under	ADP
cblr-14250	525	34	their	their	PRON
cblr-14250	525	35	supervision	supervision	NOUN
cblr-14250	525	36	.	.	PUNCT
cblr-14250	526	1	”96	”96	ADV
cblr-14250	526	2	“	"	PUNCT
cblr-14250	526	3	the	the	DET
cblr-14250	526	4	directory	directory	NOUN
cblr-14250	526	5	must	must	AUX
cblr-14250	526	6	continuously	continuously	ADV
cblr-14250	526	7	look	look	VERB
cblr-14250	526	8	after	after	ADP
cblr-14250	526	9	its	its	PRON
cblr-14250	526	10	own	own	ADJ
cblr-14250	526	11	servants	servant	NOUN
cblr-14250	526	12	.	.	PUNCT
cblr-14250	527	1	the	the	DET
cblr-14250	527	2	examiner	examiner	NOUN
cblr-14250	527	3	looks	look	VERB
cblr-14250	527	4	after	after	ADP
cblr-14250	527	5	the	the	DET
cblr-14250	527	6	acts	act	NOUN
cblr-14250	527	7	of	of	ADP
cblr-14250	527	8	the	the	DET
cblr-14250	527	9	directors	director	NOUN
cblr-14250	527	10	.	.	PUNCT
cblr-14250	528	1	”97	”97	NOUN
cblr-14250	528	2	to	to	PART
cblr-14250	528	3	accomplish	accomplish	VERB
cblr-14250	528	4	this	this	PRON
cblr-14250	528	5	,	,	PUNCT
cblr-14250	528	6	examiners	examiner	NOUN
cblr-14250	528	7	would	would	AUX
cblr-14250	528	8	highlight	highlight	VERB
cblr-14250	528	9	the	the	DET
cblr-14250	528	10	“	"	PUNCT
cblr-14250	528	11	restrictions	restriction	NOUN
cblr-14250	528	12	.	.	PUNCT
cblr-14250	528	13	.	.	PUNCT
cblr-14250	529	1	.	.	PUNCT
cblr-14250	530	1	intended	intend	VERB
cblr-14250	530	2	to	to	PART
cblr-14250	530	3	protect	protect	VERB
cblr-14250	530	4	these	these	DET
cblr-14250	530	5	institutions	institution	NOUN
cblr-14250	530	6	,	,	PUNCT
cblr-14250	530	7	by	by	ADP
cblr-14250	530	8	imposing	impose	VERB
cblr-14250	530	9	upon	upon	SCONJ
cblr-14250	530	10	them	they	PRON
cblr-14250	530	11	general	general	ADJ
cblr-14250	530	12	rules	rule	NOUN
cblr-14250	530	13	,	,	PUNCT
cblr-14250	530	14	which	which	DET
cblr-14250	530	15	experience	experience	NOUN
cblr-14250	530	16	has	have	AUX
cblr-14250	530	17	shown	show	VERB
cblr-14250	530	18	may	may	AUX
cblr-14250	530	19	be	be	AUX
cblr-14250	530	20	properly	properly	ADV
cblr-14250	530	21	done	do	VERB
cblr-14250	530	22	by	by	ADP
cblr-14250	530	23	the	the	DET
cblr-14250	530	24	government	government	NOUN
cblr-14250	530	25	without	without	ADP
cblr-14250	530	26	its	its	PRON
cblr-14250	530	27	thereby	thereby	ADV
cblr-14250	530	28	becoming	become	VERB
cblr-14250	530	29	the	the	DET
cblr-14250	530	30	guardian	guardian	NOUN
cblr-14250	530	31	of	of	ADP
cblr-14250	530	32	the	the	DET
cblr-14250	530	33	bank	bank	NOUN
cblr-14250	530	34	,	,	PUNCT
cblr-14250	530	35	or	or	CCONJ
cblr-14250	530	36	of	of	ADP
cblr-14250	530	37	the	the	DET
cblr-14250	530	38	moneys	money	NOUN
cblr-14250	530	39	of	of	ADP
cblr-14250	530	40	94	94	NUM
cblr-14250	530	41	annual	annual	ADJ
cblr-14250	530	42	report	report	NOUN
cblr-14250	530	43	of	of	ADP
cblr-14250	530	44	the	the	DET
cblr-14250	530	45	comptroller	comptroller	NOUN
cblr-14250	530	46	of	of	ADP
cblr-14250	530	47	the	the	DET
cblr-14250	530	48	currency	currency	NOUN
cblr-14250	530	49	xxxvi	xxxvi	NOUN
cblr-14250	530	50	(	(	PUNCT
cblr-14250	530	51	1881	1881	NUM
cblr-14250	530	52	)	)	PUNCT
cblr-14250	530	53	.	.	PUNCT
cblr-14250	531	1	95	95	NUM
cblr-14250	532	1	i	i	PRON
cblr-14250	532	2	d.	d.	PROPN
cblr-14250	532	3	at	at	ADP
cblr-14250	532	4	xxxvi	xxxvi	NOUN
cblr-14250	532	5	.	.	PUNCT
cblr-14250	533	1	96	96	NUM
cblr-14250	534	1	i	i	PRON
cblr-14250	534	2	d.	d.	PROPN
cblr-14250	534	3	at	at	ADP
cblr-14250	534	4	xxxv	xxxv	PROPN
cblr-14250	534	5	.	.	PUNCT
cblr-14250	535	1	97	97	NUM
cblr-14250	536	1	i	i	PRON
cblr-14250	536	2	d.	d.	PROPN
cblr-14250	536	3	at	at	ADP
cblr-14250	536	4	xxxvii	xxxvii	PROPN
cblr-14250	536	5	.	.	PUNCT
cblr-14250	537	1	172	172	NUM
cblr-14250	537	2	columbia	columbia	PROPN
cblr-14250	537	3	business	business	NOUN
cblr-14250	537	4	law	law	PROPN
cblr-14250	537	5	review	review	NOUN
cblr-14250	537	6	[	[	X
cblr-14250	537	7	vol	vol	NOUN
cblr-14250	537	8	.	.	PUNCT
cblr-14250	537	9	2025	2025	NUM
cblr-14250	537	10	its	its	PRON
cblr-14250	537	11	depositors	depositor	NOUN
cblr-14250	537	12	or	or	CCONJ
cblr-14250	537	13	stockholders	stockholder	NOUN
cblr-14250	537	14	,	,	PUNCT
cblr-14250	537	15	or	or	CCONJ
cblr-14250	537	16	being	be	AUX
cblr-14250	537	17	in	in	ADP
cblr-14250	537	18	any	any	DET
cblr-14250	537	19	way	way	NOUN
cblr-14250	537	20	responsible	responsible	ADJ
cblr-14250	537	21	for	for	ADP
cblr-14250	537	22	the	the	DET
cblr-14250	537	23	management	management	NOUN
cblr-14250	537	24	of	of	ADP
cblr-14250	537	25	its	its	PRON
cblr-14250	537	26	funds	fund	NOUN
cblr-14250	537	27	.	.	PUNCT
cblr-14250	538	1	”98	”98	PUNCT
cblr-14250	539	1	the	the	DET
cblr-14250	539	2	mood	mood	PROPN
cblr-14250	539	3	knox	knox	PROPN
cblr-14250	539	4	offers	offer	NOUN
cblr-14250	539	5	—	—	PUNCT
cblr-14250	539	6	which	which	PRON
cblr-14250	539	7	reflected	reflect	VERB
cblr-14250	539	8	a	a	DET
cblr-14250	539	9	sympathetic	sympathetic	ADJ
cblr-14250	539	10	banking	banking	NOUN
cblr-14250	539	11	press	press	NOUN
cblr-14250	539	12	—	—	PUNCT
cblr-14250	539	13	was	be	AUX
cblr-14250	539	14	a	a	DET
cblr-14250	539	15	choice	choice	NOUN
cblr-14250	539	16	for	for	ADP
cblr-14250	539	17	bank	bank	NOUN
cblr-14250	539	18	supervision	supervision	NOUN
cblr-14250	539	19	in	in	ADP
cblr-14250	539	20	this	this	DET
cblr-14250	539	21	period	period	NOUN
cblr-14250	539	22	of	of	ADP
cblr-14250	539	23	institutional	institutional	ADJ
cblr-14250	539	24	design.99	design.99	NOUN
cblr-14250	539	25	it	it	PRON
cblr-14250	539	26	seemed	seem	VERB
cblr-14250	539	27	,	,	PUNCT
cblr-14250	539	28	then	then	ADV
cblr-14250	539	29	,	,	PUNCT
cblr-14250	539	30	that	that	SCONJ
cblr-14250	539	31	the	the	DET
cblr-14250	539	32	ideal	ideal	NOUN
cblr-14250	539	33	of	of	ADP
cblr-14250	539	34	governmental	governmental	ADJ
cblr-14250	539	35	actors	actor	NOUN
cblr-14250	539	36	standing	stand	VERB
cblr-14250	539	37	behind	behind	ADP
cblr-14250	539	38	private	private	ADJ
cblr-14250	539	39	institutions	institution	NOUN
cblr-14250	539	40	and	and	CCONJ
cblr-14250	539	41	their	their	PRON
cblr-14250	539	42	own	own	ADJ
cblr-14250	539	43	internal	internal	ADJ
cblr-14250	539	44	risk	risk	NOUN
cblr-14250	539	45	management	management	NOUN
cblr-14250	539	46	would	would	AUX
cblr-14250	539	47	be	be	AUX
cblr-14250	539	48	the	the	DET
cblr-14250	539	49	norm	norm	NOUN
cblr-14250	539	50	.	.	PUNCT
cblr-14250	540	1	it	it	PRON
cblr-14250	540	2	was	be	AUX
cblr-14250	540	3	not	not	PART
cblr-14250	540	4	to	to	PART
cblr-14250	540	5	be	be	AUX
cblr-14250	540	6	.	.	PUNCT
cblr-14250	541	1	the	the	DET
cblr-14250	541	2	three	three	NUM
cblr-14250	541	3	remaining	remain	VERB
cblr-14250	541	4	major	major	ADJ
cblr-14250	541	5	crises	crisis	NOUN
cblr-14250	541	6	of	of	ADP
cblr-14250	541	7	the	the	DET
cblr-14250	541	8	gilded	gild	VERB
cblr-14250	541	9	age	age	NOUN
cblr-14250	541	10	—	—	PUNCT
cblr-14250	541	11	in	in	ADP
cblr-14250	541	12	1884	1884	NUM
cblr-14250	541	13	,	,	PUNCT
cblr-14250	541	14	1893	1893	NUM
cblr-14250	541	15	,	,	PUNCT
cblr-14250	541	16	and	and	CCONJ
cblr-14250	541	17	1907	1907	NUM
cblr-14250	541	18	—	—	PUNCT
cblr-14250	541	19	and	and	CCONJ
cblr-14250	541	20	a	a	DET
cblr-14250	541	21	slew	slew	NOUN
cblr-14250	541	22	of	of	ADP
cblr-14250	541	23	further	further	ADJ
cblr-14250	541	24	financial	financial	ADJ
cblr-14250	541	25	scandals	scandal	NOUN
cblr-14250	541	26	created	create	VERB
cblr-14250	541	27	even	even	ADV
cblr-14250	541	28	more	more	ADJ
cblr-14250	541	29	distance	distance	NOUN
cblr-14250	541	30	between	between	ADP
cblr-14250	541	31	the	the	DET
cblr-14250	541	32	demands	demand	NOUN
cblr-14250	541	33	made	make	VERB
cblr-14250	541	34	to	to	ADP
cblr-14250	541	35	the	the	DET
cblr-14250	541	36	private	private	ADJ
cblr-14250	541	37	bank	bank	NOUN
cblr-14250	541	38	supervisory	supervisory	ADJ
cblr-14250	541	39	system	system	NOUN
cblr-14250	541	40	and	and	CCONJ
cblr-14250	541	41	what	what	PRON
cblr-14250	541	42	that	that	DET
cblr-14250	541	43	system	system	NOUN
cblr-14250	541	44	could	could	AUX
cblr-14250	541	45	deliver	deliver	VERB
cblr-14250	541	46	politically	politically	ADV
cblr-14250	541	47	.	.	PUNCT
cblr-14250	542	1	initially	initially	ADV
cblr-14250	542	2	,	,	PUNCT
cblr-14250	542	3	the	the	DET
cblr-14250	542	4	supervisors	supervisor	NOUN
cblr-14250	542	5	tried	try	VERB
cblr-14250	542	6	to	to	PART
cblr-14250	542	7	insist	insist	VERB
cblr-14250	542	8	that	that	SCONJ
cblr-14250	542	9	theirs	theirs	PRON
cblr-14250	542	10	was	be	AUX
cblr-14250	542	11	not	not	PART
cblr-14250	542	12	a	a	DET
cblr-14250	542	13	residual	residual	ADJ
cblr-14250	542	14	risk	risk	NOUN
cblr-14250	542	15	-	-	PUNCT
cblr-14250	542	16	bearing	bear	VERB
cblr-14250	542	17	responsibility	responsibility	NOUN
cblr-14250	542	18	.	.	PUNCT
cblr-14250	543	1	comptroller	comptroller	NOUN
cblr-14250	543	2	edward	edward	PROPN
cblr-14250	543	3	s.	s.	PROPN
cblr-14250	543	4	lacy	lacy	PROPN
cblr-14250	543	5	remarked	remark	VERB
cblr-14250	543	6	in	in	ADP
cblr-14250	543	7	1891	1891	NUM
cblr-14250	543	8	,	,	PUNCT
cblr-14250	543	9	“	"	PUNCT
cblr-14250	543	10	the	the	DET
cblr-14250	543	11	duties	duty	NOUN
cblr-14250	543	12	of	of	ADP
cblr-14250	543	13	the	the	DET
cblr-14250	543	14	comptroller	comptroller	NOUN
cblr-14250	543	15	,	,	PUNCT
cblr-14250	543	16	and	and	CCONJ
cblr-14250	543	17	in	in	ADP
cblr-14250	543	18	some	some	DET
cblr-14250	543	19	sense	sense	NOUN
cblr-14250	543	20	the	the	DET
cblr-14250	543	21	examiners	examiner	NOUN
cblr-14250	543	22	,	,	PUNCT
cblr-14250	543	23	are	be	AUX
cblr-14250	543	24	largely	largely	ADV
cblr-14250	543	25	negative	negative	ADJ
cblr-14250	543	26	.	.	PUNCT
cblr-14250	543	27	.	.	PUNCT
cblr-14250	543	28	.	.	PUNCT
cblr-14250	543	29	.	.	PUNCT
cblr-14250	544	1	the	the	DET
cblr-14250	544	2	comptroller	comptroller	NOUN
cblr-14250	544	3	is	be	AUX
cblr-14250	544	4	therefore	therefore	ADV
cblr-14250	544	5	mainly	mainly	ADV
cblr-14250	544	6	charged	charge	VERB
cblr-14250	544	7	with	with	ADP
cblr-14250	544	8	the	the	DET
cblr-14250	544	9	responsibility	responsibility	NOUN
cblr-14250	544	10	of	of	ADP
cblr-14250	544	11	indicating	indicate	VERB
cblr-14250	544	12	to	to	ADP
cblr-14250	544	13	bank	bank	NOUN
cblr-14250	544	14	managers	manager	NOUN
cblr-14250	544	15	what	what	PRON
cblr-14250	544	16	they	they	PRON
cblr-14250	544	17	shall	shall	AUX
cblr-14250	544	18	not	not	PART
cblr-14250	544	19	do	do	VERB
cblr-14250	544	20	.	.	PUNCT
cblr-14250	544	21	”100	”100	PUNCT
cblr-14250	545	1	but	but	CCONJ
cblr-14250	545	2	the	the	DET
cblr-14250	545	3	clearinghouse	clearinghouse	NOUN
cblr-14250	545	4	could	could	AUX
cblr-14250	545	5	not	not	PART
cblr-14250	545	6	assume	assume	VERB
cblr-14250	545	7	the	the	DET
cblr-14250	545	8	positive	positive	ADJ
cblr-14250	545	9	role	role	NOUN
cblr-14250	545	10	it	it	PRON
cblr-14250	545	11	had	have	AUX
cblr-14250	545	12	adopted	adopt	VERB
cblr-14250	545	13	in	in	ADP
cblr-14250	545	14	1873	1873	NUM
cblr-14250	545	15	,	,	PUNCT
cblr-14250	545	16	either	either	ADV
cblr-14250	545	17	.	.	PUNCT
cblr-14250	546	1	then	then	ADV
cblr-14250	546	2	,	,	PUNCT
cblr-14250	546	3	the	the	DET
cblr-14250	546	4	clearinghouse	clearinghouse	NOUN
cblr-14250	546	5	banks	bank	NOUN
cblr-14250	546	6	pooled	pool	VERB
cblr-14250	546	7	their	their	PRON
cblr-14250	546	8	reserves	reserve	NOUN
cblr-14250	546	9	to	to	PART
cblr-14250	546	10	meet	meet	VERB
cblr-14250	546	11	the	the	DET
cblr-14250	546	12	cash	cash	NOUN
cblr-14250	546	13	demands	demand	NOUN
cblr-14250	546	14	of	of	ADP
cblr-14250	546	15	country	country	NOUN
cblr-14250	546	16	bankers	banker	NOUN
cblr-14250	546	17	,	,	PUNCT
cblr-14250	546	18	who	who	PRON
cblr-14250	546	19	sought	seek	VERB
cblr-14250	546	20	to	to	PART
cblr-14250	546	21	recall	recall	VERB
cblr-14250	546	22	their	their	PRON
cblr-14250	546	23	reserves	reserve	NOUN
cblr-14250	546	24	from	from	ADP
cblr-14250	546	25	new	new	PROPN
cblr-14250	546	26	york	york	PROPN
cblr-14250	546	27	to	to	PART
cblr-14250	546	28	meet	meet	VERB
cblr-14250	546	29	nervous	nervous	ADJ
cblr-14250	546	30	depositors	depositor	NOUN
cblr-14250	546	31	at	at	ADP
cblr-14250	546	32	home.101	home.101	PRON
cblr-14250	546	33	demands	demand	NOUN
cblr-14250	546	34	fell	fall	VERB
cblr-14250	546	35	heaviest	heavy	ADJ
cblr-14250	546	36	on	on	ADP
cblr-14250	546	37	banks	bank	NOUN
cblr-14250	546	38	with	with	ADP
cblr-14250	546	39	large	large	ADJ
cblr-14250	546	40	out	out	ADJ
cblr-14250	546	41	-	-	PUNCT
cblr-14250	546	42	of	of	ADP
cblr-14250	546	43	-	-	PUNCT
cblr-14250	546	44	town	town	NOUN
cblr-14250	546	45	balances	balance	NOUN
cblr-14250	546	46	,	,	PUNCT
cblr-14250	546	47	while	while	SCONJ
cblr-14250	546	48	responsibility	responsibility	NOUN
cblr-14250	546	49	for	for	ADP
cblr-14250	546	50	propping	prop	VERB
cblr-14250	546	51	up	up	ADP
cblr-14250	546	52	the	the	DET
cblr-14250	546	53	system	system	NOUN
cblr-14250	546	54	fell	fall	VERB
cblr-14250	546	55	on	on	ADP
cblr-14250	546	56	strong	strong	ADJ
cblr-14250	546	57	banks	bank	NOUN
cblr-14250	546	58	focused	focus	VERB
cblr-14250	546	59	on	on	ADP
cblr-14250	546	60	the	the	DET
cblr-14250	546	61	new	new	PROPN
cblr-14250	546	62	york	york	PROPN
cblr-14250	546	63	market	market	NOUN
cblr-14250	546	64	.	.	PUNCT
cblr-14250	547	1	resentment	resentment	NOUN
cblr-14250	547	2	provided	provide	VERB
cblr-14250	547	3	fertile	fertile	ADJ
cblr-14250	547	4	soil	soil	NOUN
cblr-14250	547	5	for	for	ADP
cblr-14250	547	6	selfinterest	selfinterest	NOUN
cblr-14250	547	7	.	.	PUNCT
cblr-14250	548	1	in	in	ADP
cblr-14250	548	2	future	future	ADJ
cblr-14250	548	3	panics	panic	NOUN
cblr-14250	548	4	,	,	PUNCT
cblr-14250	548	5	the	the	DET
cblr-14250	548	6	clearinghouse	clearinghouse	NOUN
cblr-14250	548	7	rejected	reject	VERB
cblr-14250	548	8	reserve	reserve	NOUN
cblr-14250	548	9	pooling	pooling	NOUN
cblr-14250	548	10	,	,	PUNCT
cblr-14250	548	11	while	while	SCONJ
cblr-14250	548	12	the	the	DET
cblr-14250	548	13	leading	lead	VERB
cblr-14250	548	14	banks	bank	NOUN
cblr-14250	548	15	,	,	PUNCT
cblr-14250	548	16	in	in	ADP
cblr-14250	548	17	economic	economic	ADJ
cblr-14250	548	18	historian	historian	NOUN
cblr-14250	548	19	o.	o.	PROPN
cblr-14250	548	20	m.	m.	PROPN
cblr-14250	548	21	98	98	NUM
cblr-14250	549	1	i	i	PRON
cblr-14250	549	2	d.	d.	PROPN
cblr-14250	549	3	at	at	ADP
cblr-14250	549	4	xxxv	xxxv	PROPN
cblr-14250	549	5	.	.	PUNCT
cblr-14250	550	1	99	99	NUM
cblr-14250	551	1	i	i	PRON
cblr-14250	551	2	d.	d.	PROPN
cblr-14250	551	3	at	at	ADP
cblr-14250	551	4	xxxv	xxxv	PROPN
cblr-14250	551	5	(	(	PUNCT
cblr-14250	551	6	1881	1881	NUM
cblr-14250	551	7	)	)	PUNCT
cblr-14250	551	8	;	;	PUNCT
cblr-14250	551	9	bank	bank	NOUN
cblr-14250	551	10	examinations	examination	NOUN
cblr-14250	551	11	and	and	CCONJ
cblr-14250	551	12	bank	bank	NOUN
cblr-14250	551	13	directors	director	NOUN
cblr-14250	551	14	,	,	PUNCT
cblr-14250	551	15	36	36	NUM
cblr-14250	551	16	bankers	banker	NOUN
cblr-14250	551	17	’	'	PUNCT
cblr-14250	551	18	mag	mag	PROPN
cblr-14250	551	19	.	.	PUNCT
cblr-14250	551	20	&	&	CCONJ
cblr-14250	551	21	stat	stat	PROPN
cblr-14250	551	22	.	.	PUNCT
cblr-14250	552	1	reg	reg	NOUN
cblr-14250	552	2	.	.	PUNCT
cblr-14250	553	1	414	414	NUM
cblr-14250	553	2	(	(	PUNCT
cblr-14250	553	3	dec	dec	PROPN
cblr-14250	553	4	.	.	PROPN
cblr-14250	553	5	1881	1881	NUM
cblr-14250	553	6	)	)	PUNCT
cblr-14250	553	7	;	;	PUNCT
cblr-14250	553	8	bank	bank	NOUN
cblr-14250	553	9	examinations	examination	NOUN
cblr-14250	553	10	,	,	PUNCT
cblr-14250	553	11	36	36	NUM
cblr-14250	553	12	bankers	banker	NOUN
cblr-14250	553	13	’	'	PUNCT
cblr-14250	553	14	mag	mag	PROPN
cblr-14250	553	15	.	.	PUNCT
cblr-14250	553	16	&	&	CCONJ
cblr-14250	553	17	stat	stat	PROPN
cblr-14250	553	18	.	.	PUNCT
cblr-14250	554	1	reg	reg	NOUN
cblr-14250	554	2	.	.	PUNCT
cblr-14250	555	1	542	542	NUM
cblr-14250	555	2	(	(	PUNCT
cblr-14250	555	3	jan	jan	PROPN
cblr-14250	555	4	.	.	PROPN
cblr-14250	555	5	1882	1882	NUM
cblr-14250	555	6	)	)	PUNCT
cblr-14250	555	7	;	;	PUNCT
cblr-14250	555	8	bank	bank	NOUN
cblr-14250	555	9	examinations	examination	NOUN
cblr-14250	555	10	,	,	PUNCT
cblr-14250	555	11	independent	independent	ADJ
cblr-14250	555	12	,	,	PUNCT
cblr-14250	555	13	jan	jan	PROPN
cblr-14250	555	14	.	.	PROPN
cblr-14250	555	15	12	12	NUM
cblr-14250	555	16	,	,	PUNCT
cblr-14250	555	17	1882	1882	NUM
cblr-14250	555	18	;	;	PUNCT
cblr-14250	555	19	broken	broken	ADJ
cblr-14250	555	20	banks	bank	NOUN
cblr-14250	555	21	,	,	PUNCT
cblr-14250	555	22	supra	supra	PROPN
cblr-14250	555	23	note	note	NOUN
cblr-14250	555	24	93	93	NUM
cblr-14250	555	25	,	,	PUNCT
cblr-14250	555	26	at	at	ADP
cblr-14250	555	27	771–72	771–72	NUM
cblr-14250	555	28	;	;	PUNCT
cblr-14250	555	29	bank	bank	NOUN
cblr-14250	555	30	examinations	examination	NOUN
cblr-14250	555	31	and	and	CCONJ
cblr-14250	555	32	bank	bank	NOUN
cblr-14250	555	33	directors	director	NOUN
cblr-14250	555	34	,	,	PUNCT
cblr-14250	555	35	39	39	NUM
cblr-14250	555	36	bankers	banker	NOUN
cblr-14250	555	37	’	'	PUNCT
cblr-14250	555	38	mag	mag	PROPN
cblr-14250	555	39	.	.	PUNCT
cblr-14250	555	40	&	&	CCONJ
cblr-14250	555	41	stat	stat	PROPN
cblr-14250	555	42	.	.	PUNCT
cblr-14250	556	1	reg	reg	PROPN
cblr-14250	556	2	.	.	PUNCT
cblr-14250	557	1	241	241	NUM
cblr-14250	557	2	(	(	PUNCT
cblr-14250	557	3	oct	oct	PROPN
cblr-14250	557	4	.	.	PROPN
cblr-14250	557	5	1884	1884	NUM
cblr-14250	557	6	)	)	PUNCT
cblr-14250	557	7	;	;	PUNCT
cblr-14250	557	8	bank	bank	NOUN
cblr-14250	557	9	examinations	examination	NOUN
cblr-14250	557	10	,	,	PUNCT
cblr-14250	557	11	39	39	NUM
cblr-14250	557	12	bankers	banker	NOUN
cblr-14250	557	13	’	'	PUNCT
cblr-14250	557	14	mag	mag	PROPN
cblr-14250	557	15	.	.	PUNCT
cblr-14250	557	16	&	&	CCONJ
cblr-14250	557	17	stat	stat	PROPN
cblr-14250	557	18	.	.	PUNCT
cblr-14250	558	1	reg	reg	NOUN
cblr-14250	558	2	.	.	PUNCT
cblr-14250	559	1	483	483	NUM
cblr-14250	559	2	(	(	PUNCT
cblr-14250	559	3	jan	jan	PROPN
cblr-14250	559	4	.	.	PROPN
cblr-14250	559	5	1885	1885	NUM
cblr-14250	559	6	)	)	PUNCT
cblr-14250	559	7	;	;	PUNCT
cblr-14250	559	8	bank	bank	NOUN
cblr-14250	559	9	examinations	examination	NOUN
cblr-14250	559	10	once	once	ADV
cblr-14250	559	11	more	more	ADJ
cblr-14250	559	12	,	,	PUNCT
cblr-14250	559	13	39	39	NUM
cblr-14250	559	14	bankers	banker	NOUN
cblr-14250	559	15	’	'	PUNCT
cblr-14250	559	16	mag	mag	PROPN
cblr-14250	559	17	.	.	PUNCT
cblr-14250	559	18	&	&	CCONJ
cblr-14250	559	19	stat	stat	PROPN
cblr-14250	559	20	.	.	PUNCT
cblr-14250	560	1	reg	reg	NOUN
cblr-14250	560	2	.	.	PUNCT
cblr-14250	561	1	651	651	NUM
cblr-14250	561	2	(	(	PUNCT
cblr-14250	561	3	mar	mar	PROPN
cblr-14250	561	4	.	.	PROPN
cblr-14250	561	5	1885	1885	NUM
cblr-14250	561	6	)	)	PUNCT
cblr-14250	561	7	.	.	PUNCT
cblr-14250	562	1	100	100	NUM
cblr-14250	562	2	annual	annual	ADJ
cblr-14250	562	3	report	report	NOUN
cblr-14250	562	4	of	of	ADP
cblr-14250	562	5	the	the	DET
cblr-14250	562	6	comptroller	comptroller	NOUN
cblr-14250	562	7	of	of	ADP
cblr-14250	562	8	the	the	DET
cblr-14250	562	9	currency	currency	NOUN
cblr-14250	562	10	27	27	NUM
cblr-14250	562	11	(	(	PUNCT
cblr-14250	562	12	1891	1891	NUM
cblr-14250	562	13	)	)	PUNCT
cblr-14250	562	14	.	.	PUNCT
cblr-14250	563	1	101	101	NUM
cblr-14250	563	2	see	see	VERB
cblr-14250	563	3	sprague	sprague	NOUN
cblr-14250	563	4	,	,	PUNCT
cblr-14250	563	5	supra	supra	PROPN
cblr-14250	563	6	note	note	NOUN
cblr-14250	563	7	84	84	NUM
cblr-14250	563	8	.	.	PUNCT
cblr-14250	564	1	no	no	INTJ
cblr-14250	564	2	.	.	NOUN
cblr-14250	564	3	1	1	NUM
cblr-14250	564	4	]	]	PUNCT
cblr-14250	564	5	risk	risk	NOUN
cblr-14250	564	6	,	,	PUNCT
cblr-14250	564	7	discretion	discretion	NOUN
cblr-14250	564	8	,	,	PUNCT
cblr-14250	564	9	and	and	CCONJ
cblr-14250	564	10	bank	bank	NOUN
cblr-14250	564	11	supervision	supervision	NOUN
cblr-14250	564	12	173	173	NUM
cblr-14250	564	13	w.	w.	PROPN
cblr-14250	564	14	sprague	sprague	PROPN
cblr-14250	564	15	’s	’s	PART
cblr-14250	564	16	measured	measure	VERB
cblr-14250	564	17	view	view	NOUN
cblr-14250	564	18	,	,	PUNCT
cblr-14250	564	19	did	do	AUX
cblr-14250	564	20	“	"	PUNCT
cblr-14250	564	21	not	not	PART
cblr-14250	564	22	seem	seem	VERB
cblr-14250	564	23	to	to	PART
cblr-14250	564	24	have	have	AUX
cblr-14250	564	25	been	be	AUX
cblr-14250	564	26	rendering	render	VERB
cblr-14250	564	27	anything	anything	PRON
cblr-14250	564	28	like	like	ADP
cblr-14250	564	29	that	that	DET
cblr-14250	564	30	assistance	assistance	NOUN
cblr-14250	564	31	which	which	PRON
cblr-14250	564	32	their	their	PRON
cblr-14250	564	33	resources	resource	NOUN
cblr-14250	564	34	would	would	AUX
cblr-14250	564	35	have	have	AUX
cblr-14250	564	36	permitted	permit	VERB
cblr-14250	564	37	,	,	PUNCT
cblr-14250	564	38	”	"	PUNCT
cblr-14250	564	39	despite	despite	SCONJ
cblr-14250	564	40	the	the	DET
cblr-14250	564	41	federal	federal	ADJ
cblr-14250	564	42	government	government	NOUN
cblr-14250	564	43	placing	place	VERB
cblr-14250	564	44	large	large	ADJ
cblr-14250	564	45	cash	cash	NOUN
cblr-14250	564	46	deposits	deposit	NOUN
cblr-14250	564	47	in	in	ADP
cblr-14250	564	48	these	these	DET
cblr-14250	564	49	same	same	ADJ
cblr-14250	564	50	banks.102	banks.102	NOUN
cblr-14250	564	51	in	in	ADP
cblr-14250	564	52	the	the	DET
cblr-14250	564	53	severe	severe	ADJ
cblr-14250	564	54	crises	crisis	NOUN
cblr-14250	564	55	of	of	ADP
cblr-14250	564	56	1893	1893	NUM
cblr-14250	564	57	and	and	CCONJ
cblr-14250	564	58	1907	1907	NUM
cblr-14250	564	59	,	,	PUNCT
cblr-14250	564	60	this	this	PRON
cblr-14250	564	61	allowed	allow	VERB
cblr-14250	564	62	the	the	DET
cblr-14250	564	63	panic	panic	NOUN
cblr-14250	564	64	to	to	PART
cblr-14250	564	65	metastasize	metastasize	VERB
cblr-14250	564	66	and	and	CCONJ
cblr-14250	564	67	spread	spread	VERB
cblr-14250	564	68	across	across	ADP
cblr-14250	564	69	the	the	DET
cblr-14250	564	70	country	country	NOUN
cblr-14250	564	71	.	.	PUNCT
cblr-14250	565	1	another	another	DET
cblr-14250	565	2	key	key	ADJ
cblr-14250	565	3	development	development	NOUN
cblr-14250	565	4	of	of	ADP
cblr-14250	565	5	the	the	DET
cblr-14250	565	6	period	period	NOUN
cblr-14250	565	7	was	be	AUX
cblr-14250	565	8	the	the	DET
cblr-14250	565	9	fundamental	fundamental	ADJ
cblr-14250	565	10	change	change	NOUN
cblr-14250	565	11	in	in	ADP
cblr-14250	565	12	the	the	DET
cblr-14250	565	13	banking	banking	NOUN
cblr-14250	565	14	business	business	NOUN
cblr-14250	565	15	model	model	NOUN
cblr-14250	565	16	away	away	ADV
cblr-14250	565	17	from	from	ADP
cblr-14250	565	18	the	the	DET
cblr-14250	565	19	reliance	reliance	NOUN
cblr-14250	565	20	on	on	ADP
cblr-14250	565	21	note	note	NOUN
cblr-14250	565	22	issuance	issuance	NOUN
cblr-14250	565	23	and	and	CCONJ
cblr-14250	565	24	toward	toward	ADP
cblr-14250	565	25	maturity	maturity	NOUN
cblr-14250	565	26	transformation	transformation	NOUN
cblr-14250	565	27	and	and	CCONJ
cblr-14250	565	28	the	the	DET
cblr-14250	565	29	holding	holding	NOUN
cblr-14250	565	30	of	of	ADP
cblr-14250	565	31	deposits	deposit	NOUN
cblr-14250	565	32	.	.	PUNCT
cblr-14250	566	1	this	this	DET
cblr-14250	566	2	development	development	NOUN
cblr-14250	566	3	also	also	ADV
cblr-14250	566	4	undermined	undermine	VERB
cblr-14250	566	5	the	the	DET
cblr-14250	566	6	currency	currency	NOUN
cblr-14250	566	7	and	and	CCONJ
cblr-14250	566	8	monetary	monetary	ADJ
cblr-14250	566	9	vision	vision	NOUN
cblr-14250	566	10	of	of	ADP
cblr-14250	566	11	the	the	DET
cblr-14250	566	12	original	original	ADJ
cblr-14250	566	13	national	national	ADJ
cblr-14250	566	14	banking	banking	NOUN
cblr-14250	566	15	system	system	NOUN
cblr-14250	566	16	,	,	PUNCT
cblr-14250	566	17	but	but	CCONJ
cblr-14250	566	18	for	for	ADP
cblr-14250	566	19	a	a	DET
cblr-14250	566	20	very	very	ADV
cblr-14250	566	21	different	different	ADJ
cblr-14250	566	22	reason	reason	NOUN
cblr-14250	566	23	.	.	PUNCT
cblr-14250	567	1	more	more	ADV
cblr-14250	567	2	bluntly	bluntly	ADV
cblr-14250	567	3	,	,	PUNCT
cblr-14250	567	4	by	by	ADP
cblr-14250	567	5	the	the	DET
cblr-14250	567	6	early	early	ADJ
cblr-14250	567	7	1880s	1880	NOUN
cblr-14250	567	8	it	it	PRON
cblr-14250	567	9	was	be	AUX
cblr-14250	567	10	no	no	ADV
cblr-14250	567	11	longer	long	ADV
cblr-14250	567	12	profitable	profitable	ADJ
cblr-14250	567	13	for	for	SCONJ
cblr-14250	567	14	national	national	ADJ
cblr-14250	567	15	banks	bank	NOUN
cblr-14250	567	16	to	to	PART
cblr-14250	567	17	issue	issue	VERB
cblr-14250	567	18	bank	bank	NOUN
cblr-14250	567	19	notes	note	NOUN
cblr-14250	567	20	,	,	PUNCT
cblr-14250	567	21	which	which	PRON
cblr-14250	567	22	formed	form	VERB
cblr-14250	567	23	the	the	DET
cblr-14250	567	24	foundation	foundation	NOUN
cblr-14250	567	25	of	of	ADP
cblr-14250	567	26	the	the	DET
cblr-14250	567	27	nation	nation	NOUN
cblr-14250	567	28	’s	’s	PART
cblr-14250	567	29	circulating	circulate	VERB
cblr-14250	567	30	currency.103	currency.103	PROPN
cblr-14250	567	31	the	the	DET
cblr-14250	567	32	transition	transition	NOUN
cblr-14250	567	33	to	to	PART
cblr-14250	567	34	deposit	deposit	NOUN
cblr-14250	567	35	banking	banking	NOUN
cblr-14250	567	36	is	be	AUX
cblr-14250	567	37	arguably	arguably	ADV
cblr-14250	567	38	one	one	NUM
cblr-14250	567	39	of	of	ADP
cblr-14250	567	40	the	the	DET
cblr-14250	567	41	most	most	ADV
cblr-14250	567	42	important	important	ADJ
cblr-14250	567	43	economic	economic	ADJ
cblr-14250	567	44	and	and	CCONJ
cblr-14250	567	45	financial	financial	ADJ
cblr-14250	567	46	transitions	transition	NOUN
cblr-14250	567	47	in	in	ADP
cblr-14250	567	48	u.s	u.s	PROPN
cblr-14250	567	49	.	.	PROPN
cblr-14250	567	50	financial	financial	ADJ
cblr-14250	567	51	history	history	NOUN
cblr-14250	567	52	.	.	PUNCT
cblr-14250	568	1	instead	instead	ADV
cblr-14250	568	2	of	of	ADP
cblr-14250	568	3	handing	hand	VERB
cblr-14250	568	4	notes	note	NOUN
cblr-14250	568	5	across	across	ADP
cblr-14250	568	6	the	the	DET
cblr-14250	568	7	counter	counter	NOUN
cblr-14250	568	8	,	,	PUNCT
cblr-14250	568	9	banks	bank	NOUN
cblr-14250	568	10	made	make	VERB
cblr-14250	568	11	loans	loan	NOUN
cblr-14250	568	12	by	by	ADP
cblr-14250	568	13	crediting	credit	VERB
cblr-14250	568	14	a	a	DET
cblr-14250	568	15	depositor	depositor	NOUN
cblr-14250	568	16	’s	’s	PART
cblr-14250	568	17	checking	checking	NOUN
cblr-14250	568	18	account	account	NOUN
cblr-14250	568	19	.	.	PUNCT
cblr-14250	569	1	the	the	DET
cblr-14250	569	2	borrower	borrower	NOUN
cblr-14250	569	3	could	could	AUX
cblr-14250	569	4	then	then	ADV
cblr-14250	569	5	write	write	VERB
cblr-14250	569	6	checks	check	NOUN
cblr-14250	569	7	against	against	ADP
cblr-14250	569	8	money	money	NOUN
cblr-14250	569	9	within	within	ADP
cblr-14250	569	10	the	the	DET
cblr-14250	569	11	bank	bank	NOUN
cblr-14250	569	12	,	,	PUNCT
cblr-14250	569	13	as	as	ADP
cblr-14250	569	14	deposits	deposit	NOUN
cblr-14250	569	15	,	,	PUNCT
cblr-14250	569	16	rather	rather	ADV
cblr-14250	569	17	than	than	ADP
cblr-14250	569	18	spending	spend	VERB
cblr-14250	569	19	cash	cash	NOUN
cblr-14250	569	20	that	that	PRON
cblr-14250	569	21	circulated	circulate	VERB
cblr-14250	569	22	outside	outside	ADP
cblr-14250	569	23	of	of	ADP
cblr-14250	569	24	it.104	it.104	NOUN
cblr-14250	569	25	in	in	ADP
cblr-14250	569	26	1867	1867	NUM
cblr-14250	569	27	,	,	PUNCT
cblr-14250	569	28	there	there	PRON
cblr-14250	569	29	were	be	VERB
cblr-14250	569	30	roughly	roughly	ADV
cblr-14250	569	31	$	$	SYM
cblr-14250	569	32	1.70	1.70	NUM
cblr-14250	569	33	in	in	ADP
cblr-14250	569	34	deposits	deposit	NOUN
cblr-14250	569	35	for	for	ADP
cblr-14250	569	36	every	every	DET
cblr-14250	569	37	dollar	dollar	NOUN
cblr-14250	569	38	of	of	ADP
cblr-14250	569	39	circulating	circulate	VERB
cblr-14250	569	40	currency	currency	NOUN
cblr-14250	569	41	(	(	PUNCT
cblr-14250	569	42	specie	specie	NOUN
cblr-14250	569	43	,	,	PUNCT
cblr-14250	569	44	greenbacks	greenback	NOUN
cblr-14250	569	45	,	,	PUNCT
cblr-14250	569	46	bank	bank	NOUN
cblr-14250	569	47	notes	note	NOUN
cblr-14250	569	48	)	)	PUNCT
cblr-14250	569	49	.	.	PUNCT
cblr-14250	570	1	by	by	ADP
cblr-14250	570	2	1890	1890	NUM
cblr-14250	570	3	,	,	PUNCT
cblr-14250	570	4	the	the	DET
cblr-14250	570	5	ratio	ratio	NOUN
cblr-14250	570	6	was	be	AUX
cblr-14250	570	7	five	five	NUM
cblr-14250	570	8	to	to	ADP
cblr-14250	570	9	one	one	NUM
cblr-14250	570	10	,	,	PUNCT
cblr-14250	570	11	at	at	ADP
cblr-14250	570	12	which	which	DET
cblr-14250	570	13	point	point	NOUN
cblr-14250	570	14	the	the	DET
cblr-14250	570	15	comptroller	comptroller	NOUN
cblr-14250	570	16	determined	determine	VERB
cblr-14250	570	17	that	that	SCONJ
cblr-14250	570	18	“	"	PUNCT
cblr-14250	570	19	the	the	DET
cblr-14250	570	20	deposits	deposit	NOUN
cblr-14250	570	21	of	of	ADP
cblr-14250	570	22	a	a	DET
cblr-14250	570	23	national	national	ADJ
cblr-14250	570	24	bank	bank	NOUN
cblr-14250	570	25	are	be	AUX
cblr-14250	570	26	now	now	ADV
cblr-14250	570	27	its	its	PRON
cblr-14250	570	28	principal	principal	ADJ
cblr-14250	570	29	source	source	NOUN
cblr-14250	570	30	of	of	ADP
cblr-14250	570	31	profit	profit	NOUN
cblr-14250	570	32	.	.	PUNCT
cblr-14250	570	33	”105	”105	ADJ
cblr-14250	570	34	by	by	ADP
cblr-14250	570	35	1914	1914	NUM
cblr-14250	570	36	,	,	PUNCT
cblr-14250	570	37	there	there	PRON
cblr-14250	570	38	were	be	VERB
cblr-14250	570	39	more	more	ADJ
cblr-14250	570	40	than	than	ADP
cblr-14250	570	41	ten	ten	NUM
cblr-14250	570	42	dollars	dollar	NOUN
cblr-14250	570	43	in	in	ADP
cblr-14250	570	44	deposits	deposit	NOUN
cblr-14250	570	45	for	for	ADP
cblr-14250	570	46	every	every	DET
cblr-14250	570	47	dollar	dollar	NOUN
cblr-14250	570	48	in	in	ADP
cblr-14250	570	49	currency.106	currency.106	NOUN
cblr-14250	570	50	even	even	ADV
cblr-14250	570	51	as	as	ADP
cblr-14250	570	52	debates	debate	NOUN
cblr-14250	570	53	about	about	ADP
cblr-14250	570	54	the	the	DET
cblr-14250	570	55	form	form	NOUN
cblr-14250	570	56	of	of	ADP
cblr-14250	570	57	american	american	PROPN
cblr-14250	570	58	102	102	NUM
cblr-14250	570	59	i	i	PROPN
cblr-14250	570	60	d.	d.	PROPN
cblr-14250	570	61	at	at	ADP
cblr-14250	570	62	268	268	NUM
cblr-14250	570	63	.	.	PUNCT
cblr-14250	570	64	103	103	NUM
cblr-14250	570	65	see	see	VERB
cblr-14250	570	66	charles	charles	PROPN
cblr-14250	570	67	calomiris	calomiris	PROPN
cblr-14250	570	68	&	&	CCONJ
cblr-14250	570	69	joseph	joseph	PROPN
cblr-14250	570	70	mason	mason	PROPN
cblr-14250	570	71	,	,	PUNCT
cblr-14250	570	72	resolving	resolve	VERB
cblr-14250	570	73	the	the	DET
cblr-14250	570	74	puzzle	puzzle	NOUN
cblr-14250	570	75	of	of	ADP
cblr-14250	570	76	the	the	DET
cblr-14250	570	77	underissuance	underissuance	NOUN
cblr-14250	570	78	of	of	ADP
cblr-14250	570	79	national	national	PROPN
cblr-14250	570	80	bank	bank	PROPN
cblr-14250	570	81	notes	note	NOUN
cblr-14250	570	82	,	,	PUNCT
cblr-14250	570	83	45	45	NUM
cblr-14250	570	84	expl	expl	NOUN
cblr-14250	570	85	.	.	PUNCT
cblr-14250	571	1	econ	econ	PROPN
cblr-14250	571	2	.	.	PUNCT
cblr-14250	572	1	hist	hist	PROPN
cblr-14250	572	2	.	.	PUNCT
cblr-14250	573	1	327	327	NUM
cblr-14250	573	2	(	(	PUNCT
cblr-14250	573	3	2008	2008	NUM
cblr-14250	573	4	)	)	PUNCT
cblr-14250	573	5	;	;	PUNCT
cblr-14250	573	6	matthew	matthew	PROPN
cblr-14250	573	7	jaremski	jaremski	PROPN
cblr-14250	573	8	&	&	CCONJ
cblr-14250	573	9	peter	peter	PROPN
cblr-14250	573	10	rousseau	rousseau	PROPN
cblr-14250	573	11	,	,	PUNCT
cblr-14250	573	12	the	the	DET
cblr-14250	573	13	dawn	dawn	NOUN
cblr-14250	573	14	of	of	ADP
cblr-14250	573	15	an	an	DET
cblr-14250	573	16	‘	'	PUNCT
cblr-14250	573	17	age	age	NOUN
cblr-14250	573	18	of	of	ADP
cblr-14250	573	19	deposits	deposit	NOUN
cblr-14250	573	20	’	'	PUNCT
cblr-14250	573	21	in	in	ADP
cblr-14250	573	22	the	the	DET
cblr-14250	573	23	united	united	PROPN
cblr-14250	573	24	states	states	PROPN
cblr-14250	573	25	,	,	PUNCT
cblr-14250	573	26	87	87	NUM
cblr-14250	573	27	j.	j.	PROPN
cblr-14250	573	28	banking	banking	PROPN
cblr-14250	573	29	&	&	CCONJ
cblr-14250	573	30	fin	fin	PROPN
cblr-14250	573	31	.	.	PUNCT
cblr-14250	574	1	264	264	NUM
cblr-14250	574	2	(	(	PUNCT
cblr-14250	574	3	2018	2018	NUM
cblr-14250	574	4	)	)	PUNCT
cblr-14250	574	5	.	.	PUNCT
cblr-14250	575	1	104	104	NUM
cblr-14250	575	2	see	see	VERB
cblr-14250	575	3	h.	h.	PROPN
cblr-14250	575	4	g.	g.	PROPN
cblr-14250	575	5	moulton	moulton	PROPN
cblr-14250	575	6	,	,	PUNCT
cblr-14250	575	7	commercial	commercial	ADJ
cblr-14250	575	8	banking	banking	NOUN
cblr-14250	575	9	and	and	CCONJ
cblr-14250	575	10	capital	capital	NOUN
cblr-14250	575	11	formation	formation	NOUN
cblr-14250	575	12	:	:	PUNCT
cblr-14250	576	1	i	i	PRON
cblr-14250	576	2	,	,	PUNCT
cblr-14250	576	3	26	26	NUM
cblr-14250	576	4	j.	j.	PROPN
cblr-14250	576	5	pol	pol	PROPN
cblr-14250	576	6	.	.	PUNCT
cblr-14250	576	7	econ	econ	PROPN
cblr-14250	576	8	.	.	PUNCT
cblr-14250	577	1	498	498	NUM
cblr-14250	577	2	(	(	PUNCT
cblr-14250	577	3	1918	1918	NUM
cblr-14250	577	4	)	)	PUNCT
cblr-14250	577	5	.	.	PUNCT
cblr-14250	578	1	105	105	NUM
cblr-14250	578	2	annual	annual	ADJ
cblr-14250	578	3	report	report	NOUN
cblr-14250	578	4	of	of	ADP
cblr-14250	578	5	the	the	DET
cblr-14250	578	6	comptroller	comptroller	NOUN
cblr-14250	578	7	of	of	ADP
cblr-14250	578	8	the	the	DET
cblr-14250	578	9	currency	currency	NOUN
cblr-14250	578	10	10	10	NUM
cblr-14250	578	11	(	(	PUNCT
cblr-14250	578	12	1890	1890	NUM
cblr-14250	578	13	)	)	PUNCT
cblr-14250	578	14	.	.	PUNCT
cblr-14250	579	1	106	106	NUM
cblr-14250	579	2	see	see	VERB
cblr-14250	579	3	john	john	PROPN
cblr-14250	579	4	james	james	PROPN
cblr-14250	579	5	,	,	PUNCT
cblr-14250	579	6	money	money	NOUN
cblr-14250	579	7	and	and	CCONJ
cblr-14250	579	8	capital	capital	NOUN
cblr-14250	579	9	markets	market	NOUN
cblr-14250	579	10	in	in	ADP
cblr-14250	579	11	postbellum	postbellum	PROPN
cblr-14250	579	12	america	america	PROPN
cblr-14250	579	13	22	22	NUM
cblr-14250	579	14	(	(	PUNCT
cblr-14250	579	15	1978	1978	NUM
cblr-14250	579	16	)	)	PUNCT
cblr-14250	579	17	.	.	PUNCT
cblr-14250	580	1	174	174	NUM
cblr-14250	580	2	columbia	columbia	PROPN
cblr-14250	580	3	business	business	NOUN
cblr-14250	580	4	law	law	PROPN
cblr-14250	580	5	review	review	NOUN
cblr-14250	581	1	[	[	X
cblr-14250	581	2	vol	vol	NOUN
cblr-14250	581	3	.	.	PUNCT
cblr-14250	581	4	2025	2025	NUM
cblr-14250	581	5	physical	physical	ADJ
cblr-14250	581	6	currency	currency	NOUN
cblr-14250	581	7	raged	rage	VERB
cblr-14250	581	8	—	—	PUNCT
cblr-14250	581	9	first	first	ADV
cblr-14250	581	10	between	between	ADP
cblr-14250	581	11	greenbacks	greenback	NOUN
cblr-14250	581	12	and	and	CCONJ
cblr-14250	581	13	gold	gold	NOUN
cblr-14250	581	14	,	,	PUNCT
cblr-14250	581	15	and	and	CCONJ
cblr-14250	581	16	then	then	ADV
cblr-14250	581	17	between	between	ADP
cblr-14250	581	18	gold	gold	NOUN
cblr-14250	581	19	and	and	CCONJ
cblr-14250	581	20	silver	silver	NOUN
cblr-14250	581	21	—	—	PUNCT
cblr-14250	581	22	deposits	deposit	NOUN
cblr-14250	581	23	quietly	quietly	ADV
cblr-14250	581	24	became	become	VERB
cblr-14250	581	25	the	the	DET
cblr-14250	581	26	primary	primary	ADJ
cblr-14250	581	27	form	form	NOUN
cblr-14250	581	28	of	of	ADP
cblr-14250	581	29	american	american	PROPN
cblr-14250	581	30	money.107	money.107	PROPN
cblr-14250	581	31	this	this	DET
cblr-14250	581	32	new	new	ADJ
cblr-14250	581	33	reality	reality	NOUN
cblr-14250	581	34	created	create	VERB
cblr-14250	581	35	some	some	DET
cblr-14250	581	36	tensions	tension	NOUN
cblr-14250	581	37	in	in	ADP
cblr-14250	581	38	the	the	DET
cblr-14250	581	39	relationship	relationship	NOUN
cblr-14250	581	40	between	between	ADP
cblr-14250	581	41	bank	bank	NOUN
cblr-14250	581	42	lending	lending	NOUN
cblr-14250	581	43	,	,	PUNCT
cblr-14250	581	44	bank	bank	NOUN
cblr-14250	581	45	failure	failure	NOUN
cblr-14250	581	46	,	,	PUNCT
cblr-14250	581	47	and	and	CCONJ
cblr-14250	581	48	supervisory	supervisory	ADJ
cblr-14250	581	49	oversight	oversight	NOUN
cblr-14250	581	50	.	.	PUNCT
cblr-14250	582	1	within	within	ADP
cblr-14250	582	2	the	the	DET
cblr-14250	582	3	note	note	NOUN
cblr-14250	582	4	-	-	PUNCT
cblr-14250	582	5	issue	issue	NOUN
cblr-14250	582	6	paradigm	paradigm	NOUN
cblr-14250	582	7	,	,	PUNCT
cblr-14250	582	8	comptrollers	comptroller	NOUN
cblr-14250	582	9	had	have	AUX
cblr-14250	582	10	largely	largely	ADV
cblr-14250	582	11	conceptualized	conceptualize	VERB
cblr-14250	582	12	bank	bank	NOUN
cblr-14250	582	13	failure	failure	NOUN
cblr-14250	582	14	as	as	ADP
cblr-14250	582	15	note	note	NOUN
cblr-14250	582	16	fraud	fraud	NOUN
cblr-14250	582	17	,	,	PUNCT
cblr-14250	582	18	a	a	DET
cblr-14250	582	19	matter	matter	NOUN
cblr-14250	582	20	of	of	ADP
cblr-14250	582	21	particular	particular	ADJ
cblr-14250	582	22	concern	concern	NOUN
cblr-14250	582	23	for	for	ADP
cblr-14250	582	24	the	the	DET
cblr-14250	582	25	comptroller	comptroller	NOUN
cblr-14250	582	26	,	,	PUNCT
cblr-14250	582	27	whose	whose	DET
cblr-14250	582	28	office	office	NOUN
cblr-14250	582	29	had	have	VERB
cblr-14250	582	30	the	the	DET
cblr-14250	582	31	task	task	NOUN
cblr-14250	582	32	of	of	ADP
cblr-14250	582	33	defending	defend	VERB
cblr-14250	582	34	that	that	DET
cblr-14250	582	35	currency	currency	NOUN
cblr-14250	582	36	—	—	PUNCT
cblr-14250	582	37	i.e.	i.e.	X
cblr-14250	582	38	,	,	PUNCT
cblr-14250	582	39	the	the	DET
cblr-14250	582	40	notes	note	NOUN
cblr-14250	582	41	issued	issue	VERB
cblr-14250	582	42	by	by	ADP
cblr-14250	582	43	national	national	ADJ
cblr-14250	582	44	banks	bank	NOUN
cblr-14250	582	45	.	.	PUNCT
cblr-14250	583	1	by	by	ADP
cblr-14250	583	2	the	the	DET
cblr-14250	583	3	1880s	1880	NOUN
cblr-14250	583	4	,	,	PUNCT
cblr-14250	583	5	it	it	PRON
cblr-14250	583	6	was	be	AUX
cblr-14250	583	7	clear	clear	ADJ
cblr-14250	583	8	that	that	ADV
cblr-14250	583	9	honest	honest	ADJ
cblr-14250	583	10	but	but	CCONJ
cblr-14250	583	11	incompetent	incompetent	ADJ
cblr-14250	583	12	lending	lending	NOUN
cblr-14250	583	13	decisions	decision	NOUN
cblr-14250	583	14	could	could	AUX
cblr-14250	583	15	just	just	ADV
cblr-14250	583	16	as	as	ADV
cblr-14250	583	17	easily	easily	ADV
cblr-14250	583	18	jeopardize	jeopardize	VERB
cblr-14250	583	19	a	a	DET
cblr-14250	583	20	bank	bank	NOUN
cblr-14250	583	21	.	.	PUNCT
cblr-14250	584	1	the	the	DET
cblr-14250	584	2	comptroller	comptroller	NOUN
cblr-14250	584	3	could	could	AUX
cblr-14250	584	4	not	not	PART
cblr-14250	584	5	protect	protect	VERB
cblr-14250	584	6	the	the	DET
cblr-14250	584	7	currency	currency	NOUN
cblr-14250	584	8	simply	simply	ADV
cblr-14250	584	9	by	by	ADP
cblr-14250	584	10	enforcing	enforce	VERB
cblr-14250	584	11	the	the	DET
cblr-14250	584	12	rules	rule	NOUN
cblr-14250	584	13	.	.	PUNCT
cblr-14250	585	1	but	but	CCONJ
cblr-14250	585	2	federal	federal	ADJ
cblr-14250	585	3	examiners	examiner	NOUN
cblr-14250	585	4	were	be	AUX
cblr-14250	585	5	not	not	PART
cblr-14250	585	6	equipped	equip	VERB
cblr-14250	585	7	to	to	PART
cblr-14250	585	8	monitor	monitor	VERB
cblr-14250	585	9	or	or	CCONJ
cblr-14250	585	10	evaluate	evaluate	VERB
cblr-14250	585	11	the	the	DET
cblr-14250	585	12	loans	loan	NOUN
cblr-14250	585	13	of	of	ADP
cblr-14250	585	14	the	the	DET
cblr-14250	585	15	nation	nation	NOUN
cblr-14250	585	16	’s	’s	PART
cblr-14250	585	17	banks	bank	NOUN
cblr-14250	585	18	using	use	VERB
cblr-14250	585	19	pure	pure	ADJ
cblr-14250	585	20	discretion	discretion	NOUN
cblr-14250	585	21	either	either	ADV
cblr-14250	585	22	.	.	PUNCT
cblr-14250	586	1	even	even	ADV
cblr-14250	586	2	if	if	SCONJ
cblr-14250	586	3	they	they	PRON
cblr-14250	586	4	did	do	VERB
cblr-14250	586	5	so	so	ADV
cblr-14250	586	6	,	,	PUNCT
cblr-14250	586	7	bankers	banker	NOUN
cblr-14250	586	8	could	could	AUX
cblr-14250	586	9	now	now	ADV
cblr-14250	586	10	look	look	VERB
cblr-14250	586	11	to	to	ADP
cblr-14250	586	12	the	the	DET
cblr-14250	586	13	states	state	NOUN
cblr-14250	586	14	for	for	ADP
cblr-14250	586	15	a	a	DET
cblr-14250	586	16	lighter	light	ADJ
cblr-14250	586	17	supervisory	supervisory	ADJ
cblr-14250	586	18	touch	touch	NOUN
cblr-14250	586	19	.	.	PUNCT
cblr-14250	587	1	this	this	PRON
cblr-14250	587	2	meant	mean	VERB
cblr-14250	587	3	that	that	SCONJ
cblr-14250	587	4	banks	bank	NOUN
cblr-14250	587	5	that	that	PRON
cblr-14250	587	6	had	have	VERB
cblr-14250	587	7	little	little	ADJ
cblr-14250	587	8	interest	interest	NOUN
cblr-14250	587	9	in	in	ADP
cblr-14250	587	10	note	note	NOUN
cblr-14250	587	11	issuance	issuance	NOUN
cblr-14250	587	12	but	but	CCONJ
cblr-14250	587	13	deep	deep	ADJ
cblr-14250	587	14	interest	interest	NOUN
cblr-14250	587	15	in	in	ADP
cblr-14250	587	16	deposit	deposit	NOUN
cblr-14250	587	17	taking	taking	NOUN
cblr-14250	587	18	were	be	AUX
cblr-14250	587	19	now	now	ADV
cblr-14250	587	20	just	just	ADV
cblr-14250	587	21	as	as	ADV
cblr-14250	587	22	much	much	ADJ
cblr-14250	587	23	a	a	DET
cblr-14250	587	24	part	part	NOUN
cblr-14250	587	25	of	of	ADP
cblr-14250	587	26	the	the	DET
cblr-14250	587	27	nation	nation	NOUN
cblr-14250	587	28	’s	’s	PART
cblr-14250	587	29	currency	currency	NOUN
cblr-14250	587	30	system	system	NOUN
cblr-14250	587	31	,	,	PUNCT
cblr-14250	587	32	but	but	CCONJ
cblr-14250	587	33	well	well	ADV
cblr-14250	587	34	outside	outside	ADP
cblr-14250	587	35	the	the	DET
cblr-14250	587	36	comptroller	comptroller	NOUN
cblr-14250	587	37	’s	’s	PART
cblr-14250	587	38	reach	reach	NOUN
cblr-14250	587	39	.	.	PUNCT
cblr-14250	588	1	“	"	PUNCT
cblr-14250	588	2	the	the	DET
cblr-14250	588	3	exact	exact	ADJ
cblr-14250	588	4	line	line	NOUN
cblr-14250	588	5	at	at	ADP
cblr-14250	588	6	which	which	PRON
cblr-14250	588	7	the	the	DET
cblr-14250	588	8	government	government	NOUN
cblr-14250	588	9	shall	shall	AUX
cblr-14250	588	10	interfere	interfere	VERB
cblr-14250	588	11	and	and	CCONJ
cblr-14250	588	12	the	the	DET
cblr-14250	588	13	point	point	NOUN
cblr-14250	588	14	at	at	ADP
cblr-14250	588	15	which	which	PRON
cblr-14250	588	16	government	government	NOUN
cblr-14250	588	17	discipline	discipline	NOUN
cblr-14250	588	18	shall	shall	AUX
cblr-14250	588	19	commence	commence	VERB
cblr-14250	588	20	,	,	PUNCT
cblr-14250	588	21	”	"	PUNCT
cblr-14250	588	22	comptroller	comptroller	NOUN
cblr-14250	588	23	henry	henry	PROPN
cblr-14250	588	24	cannon	cannon	PROPN
cblr-14250	588	25	wrote	write	VERB
cblr-14250	588	26	in	in	ADP
cblr-14250	588	27	1884	1884	NUM
cblr-14250	588	28	,	,	PUNCT
cblr-14250	588	29	“	"	PUNCT
cblr-14250	588	30	is	be	AUX
cblr-14250	588	31	a	a	DET
cblr-14250	588	32	matter	matter	NOUN
cblr-14250	588	33	of	of	ADP
cblr-14250	588	34	some	some	DET
cblr-14250	588	35	delicacy	delicacy	NOUN
cblr-14250	588	36	to	to	PART
cblr-14250	588	37	determine	determine	VERB
cblr-14250	588	38	.	.	PUNCT
cblr-14250	588	39	”108	”108	NOUN
cblr-14250	588	40	the	the	DET
cblr-14250	588	41	rise	rise	NOUN
cblr-14250	588	42	of	of	ADP
cblr-14250	588	43	deposit	deposit	NOUN
cblr-14250	588	44	banking	banking	NOUN
cblr-14250	588	45	also	also	ADV
cblr-14250	588	46	exposed	expose	VERB
cblr-14250	588	47	the	the	DET
cblr-14250	588	48	core	core	NOUN
cblr-14250	588	49	inadequacy	inadequacy	NOUN
cblr-14250	588	50	of	of	ADP
cblr-14250	588	51	the	the	DET
cblr-14250	588	52	comptroller	comptroller	NOUN
cblr-14250	588	53	’s	’s	PART
cblr-14250	588	54	effort	effort	NOUN
cblr-14250	588	55	to	to	PART
cblr-14250	588	56	shift	shift	VERB
cblr-14250	588	57	risk	risk	NOUN
cblr-14250	588	58	management	management	NOUN
cblr-14250	588	59	onto	onto	ADP
cblr-14250	588	60	private	private	ADJ
cblr-14250	588	61	bank	bank	NOUN
cblr-14250	588	62	shareholders	shareholder	NOUN
cblr-14250	588	63	.	.	PUNCT
cblr-14250	589	1	with	with	ADP
cblr-14250	589	2	double	double	ADJ
cblr-14250	589	3	liability	liability	NOUN
cblr-14250	589	4	,	,	PUNCT
cblr-14250	589	5	bank	bank	NOUN
cblr-14250	589	6	shareholders	shareholder	NOUN
cblr-14250	589	7	bore	bear	VERB
cblr-14250	589	8	much	much	ADJ
cblr-14250	589	9	of	of	ADP
cblr-14250	589	10	the	the	DET
cblr-14250	589	11	risk	risk	NOUN
cblr-14250	589	12	of	of	ADP
cblr-14250	589	13	failure	failure	NOUN
cblr-14250	589	14	,	,	PUNCT
cblr-14250	589	15	but	but	CCONJ
cblr-14250	589	16	not	not	PART
cblr-14250	589	17	all	all	PRON
cblr-14250	589	18	of	of	ADP
cblr-14250	589	19	it	it	PRON
cblr-14250	589	20	.	.	PUNCT
cblr-14250	590	1	as	as	SCONJ
cblr-14250	590	2	deposits	deposit	NOUN
cblr-14250	590	3	became	become	VERB
cblr-14250	590	4	a	a	DET
cblr-14250	590	5	larger	large	ADJ
cblr-14250	590	6	share	share	NOUN
cblr-14250	590	7	of	of	ADP
cblr-14250	590	8	bank	bank	NOUN
cblr-14250	590	9	liabilities	liability	NOUN
cblr-14250	590	10	,	,	PUNCT
cblr-14250	590	11	depositors	depositor	NOUN
cblr-14250	590	12	in	in	ADP
cblr-14250	590	13	turn	turn	NOUN
cblr-14250	590	14	became	become	VERB
cblr-14250	590	15	,	,	PUNCT
cblr-14250	590	16	as	as	ADP
cblr-14250	590	17	a	a	DET
cblr-14250	590	18	group	group	NOUN
cblr-14250	590	19	,	,	PUNCT
cblr-14250	590	20	a	a	DET
cblr-14250	590	21	larger	large	ADJ
cblr-14250	590	22	holder	holder	NOUN
cblr-14250	590	23	of	of	ADP
cblr-14250	590	24	the	the	DET
cblr-14250	590	25	residual	residual	ADJ
cblr-14250	590	26	risk	risk	NOUN
cblr-14250	590	27	.	.	PUNCT
cblr-14250	591	1	note	note	VERB
cblr-14250	591	2	holders	holder	NOUN
cblr-14250	591	3	were	be	AUX
cblr-14250	591	4	secure	secure	ADJ
cblr-14250	591	5	but	but	CCONJ
cblr-14250	591	6	depositors	depositor	NOUN
cblr-14250	591	7	were	be	AUX
cblr-14250	591	8	not	not	PART
cblr-14250	591	9	.	.	PUNCT
cblr-14250	592	1	this	this	DET
cblr-14250	592	2	imbalance	imbalance	NOUN
cblr-14250	592	3	created	create	VERB
cblr-14250	592	4	more	more	ADJ
cblr-14250	592	5	momentum	momentum	NOUN
cblr-14250	592	6	for	for	ADP
cblr-14250	592	7	bank	bank	NOUN
cblr-14250	592	8	runs	run	NOUN
cblr-14250	592	9	because	because	SCONJ
cblr-14250	592	10	unsecured	unsecured	ADJ
cblr-14250	592	11	depositors	depositor	NOUN
cblr-14250	592	12	sought	seek	VERB
cblr-14250	592	13	to	to	PART
cblr-14250	592	14	quickly	quickly	ADV
cblr-14250	592	15	107	107	NUM
cblr-14250	592	16	see	see	VERB
cblr-14250	592	17	bruce	bruce	PROPN
cblr-14250	592	18	g.	g.	PROPN
cblr-14250	592	19	carruthers	carruthers	PROPN
cblr-14250	592	20	&	&	CCONJ
cblr-14250	592	21	sarah	sarah	PROPN
cblr-14250	592	22	babb	babb	PROPN
cblr-14250	592	23	,	,	PUNCT
cblr-14250	592	24	the	the	DET
cblr-14250	592	25	color	color	NOUN
cblr-14250	592	26	of	of	ADP
cblr-14250	592	27	money	money	NOUN
cblr-14250	592	28	and	and	CCONJ
cblr-14250	592	29	the	the	DET
cblr-14250	592	30	nature	nature	NOUN
cblr-14250	592	31	of	of	ADP
cblr-14250	592	32	value	value	NOUN
cblr-14250	592	33	:	:	PUNCT
cblr-14250	592	34	greenbacks	greenback	NOUN
cblr-14250	592	35	and	and	CCONJ
cblr-14250	592	36	gold	gold	NOUN
cblr-14250	592	37	in	in	ADP
cblr-14250	592	38	postbellum	postbellum	PROPN
cblr-14250	592	39	america	america	PROPN
cblr-14250	592	40	,	,	PUNCT
cblr-14250	592	41	101	101	NUM
cblr-14250	592	42	am	am	NOUN
cblr-14250	592	43	.	.	PUNCT
cblr-14250	593	1	j.	j.	PROPN
cblr-14250	593	2	socio	socio	PROPN
cblr-14250	593	3	.	.	PUNCT
cblr-14250	594	1	1556	1556	NUM
cblr-14250	594	2	(	(	PUNCT
cblr-14250	594	3	1996	1996	NUM
cblr-14250	594	4	)	)	PUNCT
cblr-14250	594	5	;	;	PUNCT
cblr-14250	594	6	comptroller	comptroller	NOUN
cblr-14250	594	7	knox	knox	NOUN
cblr-14250	594	8	on	on	ADP
cblr-14250	594	9	the	the	DET
cblr-14250	594	10	currency	currency	NOUN
cblr-14250	594	11	,	,	PUNCT
cblr-14250	594	12	wash	wash	NOUN
cblr-14250	594	13	.	.	PUNCT
cblr-14250	595	1	post	post	NOUN
cblr-14250	595	2	,	,	PUNCT
cblr-14250	595	3	aug	aug	PROPN
cblr-14250	595	4	.	.	PROPN
cblr-14250	595	5	15	15	NUM
cblr-14250	595	6	,	,	PUNCT
cblr-14250	595	7	1881	1881	NUM
cblr-14250	595	8	,	,	PUNCT
cblr-14250	595	9	at	at	ADP
cblr-14250	595	10	2	2	NUM
cblr-14250	595	11	.	.	SYM
cblr-14250	595	12	108	108	NUM
cblr-14250	595	13	annual	annual	ADJ
cblr-14250	595	14	report	report	NOUN
cblr-14250	595	15	of	of	ADP
cblr-14250	595	16	the	the	DET
cblr-14250	595	17	comptroller	comptroller	NOUN
cblr-14250	595	18	of	of	ADP
cblr-14250	595	19	the	the	DET
cblr-14250	595	20	currency	currency	NOUN
cblr-14250	595	21	,	,	PUNCT
cblr-14250	595	22	at	at	ADP
cblr-14250	595	23	l	l	PROPN
cblr-14250	595	24	(	(	PUNCT
cblr-14250	595	25	1884	1884	NUM
cblr-14250	595	26	)	)	PUNCT
cblr-14250	595	27	.	.	PUNCT
cblr-14250	596	1	no	no	INTJ
cblr-14250	596	2	.	.	NOUN
cblr-14250	596	3	1	1	NUM
cblr-14250	596	4	]	]	PUNCT
cblr-14250	596	5	risk	risk	NOUN
cblr-14250	596	6	,	,	PUNCT
cblr-14250	596	7	discretion	discretion	NOUN
cblr-14250	596	8	,	,	PUNCT
cblr-14250	596	9	and	and	CCONJ
cblr-14250	596	10	bank	bank	NOUN
cblr-14250	596	11	supervision	supervision	NOUN
cblr-14250	596	12	175	175	NUM
cblr-14250	596	13	convert	convert	VERB
cblr-14250	596	14	their	their	PRON
cblr-14250	596	15	deposits	deposit	NOUN
cblr-14250	596	16	into	into	ADP
cblr-14250	596	17	secure	secure	ADJ
cblr-14250	596	18	notes	note	NOUN
cblr-14250	596	19	at	at	ADP
cblr-14250	596	20	any	any	DET
cblr-14250	596	21	sign	sign	NOUN
cblr-14250	596	22	of	of	ADP
cblr-14250	596	23	trouble	trouble	NOUN
cblr-14250	596	24	.	.	PUNCT
cblr-14250	597	1	political	political	ADJ
cblr-14250	597	2	calls	call	NOUN
cblr-14250	597	3	for	for	ADP
cblr-14250	597	4	new	new	ADJ
cblr-14250	597	5	risk	risk	NOUN
cblr-14250	597	6	management	management	NOUN
cblr-14250	597	7	philosophies	philosophy	NOUN
cblr-14250	597	8	,	,	PUNCT
cblr-14250	597	9	rooted	root	VERB
cblr-14250	597	10	not	not	PART
cblr-14250	597	11	,	,	PUNCT
cblr-14250	597	12	or	or	CCONJ
cblr-14250	597	13	not	not	PART
cblr-14250	597	14	only	only	ADV
cblr-14250	597	15	,	,	PUNCT
cblr-14250	597	16	in	in	ADP
cblr-14250	597	17	private	private	ADJ
cblr-14250	597	18	liability	liability	NOUN
cblr-14250	597	19	,	,	PUNCT
cblr-14250	597	20	but	but	CCONJ
cblr-14250	597	21	rather	rather	ADV
cblr-14250	597	22	in	in	ADP
cblr-14250	597	23	central	central	ADJ
cblr-14250	597	24	banking	banking	NOUN
cblr-14250	597	25	or	or	CCONJ
cblr-14250	597	26	deposit	deposit	NOUN
cblr-14250	597	27	insurance	insurance	NOUN
cblr-14250	597	28	,	,	PUNCT
cblr-14250	597	29	grew	grow	VERB
cblr-14250	597	30	louder	louder	ADV
cblr-14250	597	31	over	over	ADP
cblr-14250	597	32	time	time	NOUN
cblr-14250	597	33	.	.	PUNCT
cblr-14250	598	1	several	several	ADJ
cblr-14250	598	2	comptrollers	comptroller	NOUN
cblr-14250	598	3	endorsed	endorse	VERB
cblr-14250	598	4	these	these	DET
cblr-14250	598	5	calls	call	NOUN
cblr-14250	598	6	.	.	PUNCT
cblr-14250	599	1	as	as	SCONJ
cblr-14250	599	2	they	they	PRON
cblr-14250	599	3	waited	wait	VERB
cblr-14250	599	4	for	for	ADP
cblr-14250	599	5	congressional	congressional	ADJ
cblr-14250	599	6	action	action	NOUN
cblr-14250	599	7	,	,	PUNCT
cblr-14250	599	8	these	these	DET
cblr-14250	599	9	comptrollers	comptroller	NOUN
cblr-14250	599	10	also	also	ADV
cblr-14250	599	11	developed	develop	VERB
cblr-14250	599	12	new	new	ADJ
cblr-14250	599	13	discretionary	discretionary	ADJ
cblr-14250	599	14	tools	tool	NOUN
cblr-14250	599	15	to	to	PART
cblr-14250	599	16	manage	manage	VERB
cblr-14250	599	17	risk	risk	NOUN
cblr-14250	599	18	where	where	SCONJ
cblr-14250	599	19	they	they	PRON
cblr-14250	599	20	could	could	AUX
cblr-14250	599	21	.	.	PUNCT
cblr-14250	600	1	first	first	ADV
cblr-14250	600	2	,	,	PUNCT
cblr-14250	600	3	the	the	DET
cblr-14250	600	4	comptroller	comptroller	NOUN
cblr-14250	600	5	sought	seek	VERB
cblr-14250	600	6	to	to	PART
cblr-14250	600	7	increase	increase	VERB
cblr-14250	600	8	loan	loan	NOUN
cblr-14250	600	9	quality	quality	NOUN
cblr-14250	600	10	and	and	CCONJ
cblr-14250	600	11	bank	bank	NOUN
cblr-14250	600	12	liquidity	liquidity	NOUN
cblr-14250	600	13	through	through	ADP
cblr-14250	600	14	loan	loan	NOUN
cblr-14250	600	15	criticism	criticism	NOUN
cblr-14250	600	16	.	.	PUNCT
cblr-14250	601	1	over	over	ADP
cblr-14250	601	2	the	the	DET
cblr-14250	601	3	nineteenth	nineteenth	NOUN
cblr-14250	601	4	and	and	CCONJ
cblr-14250	601	5	into	into	ADP
cblr-14250	601	6	the	the	DET
cblr-14250	601	7	twentieth	twentieth	ADJ
cblr-14250	601	8	century	century	NOUN
cblr-14250	601	9	,	,	PUNCT
cblr-14250	601	10	examiners	examiner	NOUN
cblr-14250	601	11	developed	develop	VERB
cblr-14250	601	12	metrics	metric	NOUN
cblr-14250	601	13	for	for	ADP
cblr-14250	601	14	evaluating	evaluate	VERB
cblr-14250	601	15	bank	bank	NOUN
cblr-14250	601	16	assets	asset	NOUN
cblr-14250	601	17	that	that	PRON
cblr-14250	601	18	ranged	range	VERB
cblr-14250	601	19	from	from	ADP
cblr-14250	601	20	slow	slow	ADJ
cblr-14250	601	21	(	(	PUNCT
cblr-14250	601	22	illiquid	illiquid	NOUN
cblr-14250	601	23	)	)	PUNCT
cblr-14250	601	24	to	to	PART
cblr-14250	601	25	loss.109	loss.109	VERB
cblr-14250	601	26	loan	loan	NOUN
cblr-14250	601	27	criticism	criticism	NOUN
cblr-14250	601	28	enabled	enable	VERB
cblr-14250	601	29	examiners	examiner	NOUN
cblr-14250	601	30	to	to	PART
cblr-14250	601	31	guide	guide	VERB
cblr-14250	601	32	banker	banker	NOUN
cblr-14250	601	33	behavior	behavior	NOUN
cblr-14250	601	34	,	,	PUNCT
cblr-14250	601	35	especially	especially	ADV
cblr-14250	601	36	toward	toward	ADP
cblr-14250	601	37	standards	standard	NOUN
cblr-14250	601	38	of	of	ADP
cblr-14250	601	39	liquidity	liquidity	NOUN
cblr-14250	601	40	in	in	ADP
cblr-14250	601	41	line	line	NOUN
cblr-14250	601	42	with	with	ADP
cblr-14250	601	43	commercial	commercial	ADJ
cblr-14250	601	44	banking	banking	NOUN
cblr-14250	601	45	theory	theory	NOUN
cblr-14250	601	46	(	(	PUNCT
cblr-14250	601	47	i.e.	i.e.	X
cblr-14250	601	48	,	,	PUNCT
cblr-14250	601	49	the	the	DET
cblr-14250	601	50	real	real	ADJ
cblr-14250	601	51	bills	bill	NOUN
cblr-14250	601	52	doctrine	doctrine	NOUN
cblr-14250	601	53	)	)	PUNCT
cblr-14250	601	54	.	.	PUNCT
cblr-14250	602	1	in	in	ADP
cblr-14250	602	2	moments	moment	NOUN
cblr-14250	602	3	of	of	ADP
cblr-14250	602	4	panic	panic	NOUN
cblr-14250	602	5	,	,	PUNCT
cblr-14250	602	6	the	the	DET
cblr-14250	602	7	comptroller	comptroller	NOUN
cblr-14250	602	8	also	also	ADV
cblr-14250	602	9	adopted	adopt	VERB
cblr-14250	602	10	forbearance	forbearance	NOUN
cblr-14250	602	11	.	.	PUNCT
cblr-14250	603	1	instead	instead	ADV
cblr-14250	603	2	of	of	ADP
cblr-14250	603	3	necessarily	necessarily	ADV
cblr-14250	603	4	liquidating	liquidate	VERB
cblr-14250	603	5	a	a	DET
cblr-14250	603	6	bank	bank	NOUN
cblr-14250	603	7	that	that	PRON
cblr-14250	603	8	closed	close	VERB
cblr-14250	603	9	its	its	PRON
cblr-14250	603	10	doors	door	NOUN
cblr-14250	603	11	to	to	PART
cblr-14250	603	12	halt	halt	VERB
cblr-14250	603	13	frantic	frantic	ADJ
cblr-14250	603	14	depositor	depositor	NOUN
cblr-14250	603	15	withdrawals	withdrawal	NOUN
cblr-14250	603	16	,	,	PUNCT
cblr-14250	603	17	the	the	DET
cblr-14250	603	18	comptroller	comptroller	NOUN
cblr-14250	603	19	could	could	AUX
cblr-14250	603	20	instead	instead	ADV
cblr-14250	603	21	allow	allow	VERB
cblr-14250	603	22	the	the	DET
cblr-14250	603	23	bank	bank	NOUN
cblr-14250	603	24	to	to	PART
cblr-14250	603	25	resume	resume	VERB
cblr-14250	603	26	business	business	NOUN
cblr-14250	603	27	(	(	PUNCT
cblr-14250	603	28	for	for	ADP
cblr-14250	603	29	example	example	NOUN
cblr-14250	603	30	,	,	PUNCT
cblr-14250	603	31	after	after	ADP
cblr-14250	603	32	the	the	DET
cblr-14250	603	33	arrival	arrival	NOUN
cblr-14250	603	34	of	of	ADP
cblr-14250	603	35	a	a	DET
cblr-14250	603	36	transcontinental	transcontinental	ADJ
cblr-14250	603	37	shipment	shipment	NOUN
cblr-14250	603	38	of	of	ADP
cblr-14250	603	39	currency).110	currency).110	PROPN
cblr-14250	603	40	while	while	SCONJ
cblr-14250	603	41	significant	significant	ADJ
cblr-14250	603	42	,	,	PUNCT
cblr-14250	603	43	these	these	DET
cblr-14250	603	44	powers	power	NOUN
cblr-14250	603	45	proved	prove	VERB
cblr-14250	603	46	insufficient	insufficient	ADJ
cblr-14250	603	47	to	to	PART
cblr-14250	603	48	overcome	overcome	VERB
cblr-14250	603	49	the	the	DET
cblr-14250	603	50	moments	moment	NOUN
cblr-14250	603	51	of	of	ADP
cblr-14250	603	52	severe	severe	ADJ
cblr-14250	603	53	neuralgia	neuralgia	NOUN
cblr-14250	603	54	.	.	PUNCT
cblr-14250	604	1	the	the	DET
cblr-14250	604	2	punishing	punish	VERB
cblr-14250	604	3	crises	crisis	NOUN
cblr-14250	604	4	of	of	ADP
cblr-14250	604	5	1893	1893	NUM
cblr-14250	604	6	and	and	CCONJ
cblr-14250	604	7	1907	1907	NUM
cblr-14250	604	8	,	,	PUNCT
cblr-14250	604	9	which	which	PRON
cblr-14250	604	10	the	the	DET
cblr-14250	604	11	comptroller	comptroller	NOUN
cblr-14250	604	12	was	be	AUX
cblr-14250	604	13	virtually	virtually	ADV
cblr-14250	604	14	powerless	powerless	ADJ
cblr-14250	604	15	to	to	PART
cblr-14250	604	16	forestall	forestall	VERB
cblr-14250	604	17	without	without	ADP
cblr-14250	604	18	the	the	DET
cblr-14250	604	19	means	mean	NOUN
cblr-14250	604	20	of	of	ADP
cblr-14250	604	21	converting	convert	VERB
cblr-14250	604	22	deposits	deposit	NOUN
cblr-14250	604	23	into	into	ADP
cblr-14250	604	24	notes	note	NOUN
cblr-14250	604	25	,	,	PUNCT
cblr-14250	604	26	created	create	VERB
cblr-14250	604	27	momentum	momentum	NOUN
cblr-14250	604	28	for	for	ADP
cblr-14250	604	29	reform	reform	NOUN
cblr-14250	604	30	.	.	PUNCT
cblr-14250	605	1	at	at	ADP
cblr-14250	605	2	the	the	DET
cblr-14250	605	3	end	end	NOUN
cblr-14250	605	4	of	of	ADP
cblr-14250	605	5	the	the	DET
cblr-14250	605	6	gilded	gild	VERB
cblr-14250	605	7	age	age	NOUN
cblr-14250	605	8	,	,	PUNCT
cblr-14250	605	9	bank	bank	NOUN
cblr-14250	605	10	supervision	supervision	NOUN
cblr-14250	605	11	was	be	AUX
cblr-14250	605	12	well	well	ADV
cblr-14250	605	13	established	establish	VERB
cblr-14250	605	14	as	as	ADP
cblr-14250	605	15	a	a	DET
cblr-14250	605	16	mechanism	mechanism	NOUN
cblr-14250	605	17	for	for	ADP
cblr-14250	605	18	ensuring	ensure	VERB
cblr-14250	605	19	private	private	ADJ
cblr-14250	605	20	and	and	CCONJ
cblr-14250	605	21	public	public	ADJ
cblr-14250	605	22	109	109	NUM
cblr-14250	605	23	annual	annual	ADJ
cblr-14250	605	24	report	report	NOUN
cblr-14250	605	25	of	of	ADP
cblr-14250	605	26	the	the	DET
cblr-14250	605	27	comptroller	comptroller	NOUN
cblr-14250	605	28	of	of	ADP
cblr-14250	605	29	the	the	DET
cblr-14250	605	30	currency	currency	NOUN
cblr-14250	605	31	,	,	PUNCT
cblr-14250	605	32	26–27	26–27	NUM
cblr-14250	605	33	(	(	PUNCT
cblr-14250	605	34	1891	1891	NUM
cblr-14250	605	35	)	)	PUNCT
cblr-14250	605	36	;	;	PUNCT
cblr-14250	606	1	letter	letter	NOUN
cblr-14250	606	2	from	from	ADP
cblr-14250	606	3	leo	leo	PROPN
cblr-14250	606	4	t.	t.	PROPN
cblr-14250	606	5	crowley	crowley	PROPN
cblr-14250	606	6	to	to	ADP
cblr-14250	606	7	marriner	marriner	PROPN
cblr-14250	606	8	s.	s.	PROPN
cblr-14250	606	9	eccles	eccles	PROPN
cblr-14250	606	10	(	(	PUNCT
cblr-14250	606	11	feb	feb	PROPN
cblr-14250	606	12	.	.	PROPN
cblr-14250	606	13	9	9	NUM
cblr-14250	606	14	,	,	PUNCT
cblr-14250	606	15	1938	1938	NUM
cblr-14250	606	16	)	)	PUNCT
cblr-14250	606	17	,	,	PUNCT
cblr-14250	606	18	120	120	NUM
cblr-14250	606	19	diaries	diary	NOUN
cblr-14250	606	20	of	of	ADP
cblr-14250	606	21	henry	henry	PROPN
cblr-14250	606	22	morgenthau	morgenthau	PROPN
cblr-14250	606	23	jr	jr	PROPN
cblr-14250	606	24	.	.	PROPN
cblr-14250	606	25	289	289	NUM
cblr-14250	606	26	,	,	PUNCT
cblr-14250	606	27	on	on	ADP
cblr-14250	606	28	file	file	NOUN
cblr-14250	606	29	with	with	ADP
cblr-14250	606	30	fraser	fraser	NOUN
cblr-14250	606	31	,	,	PUNCT
cblr-14250	606	32	https://fraser.stlouisfed.org/archival-collection/diaries-henry-morgenthaujr-6880/volume-120-634692?page=296	https://fraser.stlouisfed.org/archival-collection/diaries-henry-morgenthaujr-6880/volume-120-634692?page=296	X
cblr-14250	607	1	[	[	X
cblr-14250	607	2	https://perma.cc/ncd3-f425	https://perma.cc/ncd3-f425	X
cblr-14250	607	3	]	]	X
cblr-14250	607	4	;	;	PUNCT
cblr-14250	607	5	225	225	NUM
cblr-14250	607	6	bank	bank	NOUN
cblr-14250	607	7	suspensions	suspension	NOUN
cblr-14250	607	8	:	:	PUNCT
cblr-14250	607	9	case	case	NOUN
cblr-14250	607	10	histories	history	NOUN
cblr-14250	607	11	from	from	ADP
cblr-14250	607	12	examiners	examiner	NOUN
cblr-14250	607	13	’	’	PART
cblr-14250	607	14	reports	report	NOUN
cblr-14250	607	15	(	(	PUNCT
cblr-14250	607	16	1933	1933	NUM
cblr-14250	607	17	)	)	PUNCT
cblr-14250	607	18	,	,	PUNCT
cblr-14250	607	19	federal	federal	PROPN
cblr-14250	607	20	reserve	reserve	PROPN
cblr-14250	607	21	,	,	PUNCT
cblr-14250	607	22	com	com	NOUN
cblr-14250	607	23	.	.	PUNCT
cblr-14250	607	24	on	on	ADP
cblr-14250	607	25	branch	branch	NOUN
cblr-14250	607	26	,	,	PUNCT
cblr-14250	607	27	chain	chain	NOUN
cblr-14250	607	28	,	,	PUNCT
cblr-14250	607	29	&	&	CCONJ
cblr-14250	607	30	group	group	PROPN
cblr-14250	607	31	banking	banking	NOUN
cblr-14250	607	32	15	15	NUM
cblr-14250	607	33	,	,	PUNCT
cblr-14250	607	34	on	on	ADP
cblr-14250	607	35	file	file	NOUN
cblr-14250	607	36	with	with	ADP
cblr-14250	607	37	fraser	fraser	NOUN
cblr-14250	607	38	,	,	PUNCT
cblr-14250	607	39	https://fraser.stlouisfed.org/title/225-bank-suspensions-797	https://fraser.stlouisfed.org/title/225-bank-suspensions-797	NOUN
cblr-14250	608	1	[	[	X
cblr-14250	608	2	https://perma.cc/7nz9-yb85	https://perma.cc/7nz9-yb85	X
cblr-14250	608	3	]	]	PUNCT
cblr-14250	608	4	.	.	PUNCT
cblr-14250	609	1	the	the	DET
cblr-14250	609	2	federal	federal	PROPN
cblr-14250	609	3	reserve	reserve	PROPN
cblr-14250	609	4	lists	list	VERB
cblr-14250	609	5	this	this	DET
cblr-14250	609	6	report	report	NOUN
cblr-14250	609	7	as	as	ADP
cblr-14250	609	8	circa	circa	NOUN
cblr-14250	609	9	1932	1932	NUM
cblr-14250	609	10	,	,	PUNCT
cblr-14250	609	11	but	but	CCONJ
cblr-14250	609	12	the	the	DET
cblr-14250	609	13	final	final	ADJ
cblr-14250	609	14	version	version	NOUN
cblr-14250	609	15	was	be	AUX
cblr-14250	609	16	completed	complete	VERB
cblr-14250	609	17	in	in	ADP
cblr-14250	609	18	1933	1933	NUM
cblr-14250	609	19	.	.	PUNCT
cblr-14250	610	1	110	110	NUM
cblr-14250	610	2	charles	charles	PROPN
cblr-14250	610	3	w.	w.	PROPN
cblr-14250	610	4	calomiris	calomiris	PROPN
cblr-14250	610	5	&	&	CCONJ
cblr-14250	610	6	mark	mark	PROPN
cblr-14250	610	7	carlson	carlson	PROPN
cblr-14250	610	8	,	,	PUNCT
cblr-14250	610	9	bank	bank	NOUN
cblr-14250	610	10	examiners	examiner	NOUN
cblr-14250	610	11	’	’	PART
cblr-14250	610	12	information	information	NOUN
cblr-14250	610	13	and	and	CCONJ
cblr-14250	610	14	expertise	expertise	NOUN
cblr-14250	610	15	and	and	CCONJ
cblr-14250	610	16	their	their	PRON
cblr-14250	610	17	role	role	NOUN
cblr-14250	610	18	in	in	ADP
cblr-14250	610	19	monitoring	monitoring	NOUN
cblr-14250	610	20	and	and	CCONJ
cblr-14250	610	21	disciplining	discipline	VERB
cblr-14250	610	22	banks	bank	NOUN
cblr-14250	610	23	before	before	ADP
cblr-14250	610	24	and	and	CCONJ
cblr-14250	610	25	during	during	ADP
cblr-14250	610	26	the	the	DET
cblr-14250	610	27	panic	panic	NOUN
cblr-14250	610	28	of	of	ADP
cblr-14250	610	29	1893	1893	NUM
cblr-14250	610	30	,	,	PUNCT
cblr-14250	610	31	54	54	NUM
cblr-14250	610	32	j.	j.	PROPN
cblr-14250	610	33	money	money	PROPN
cblr-14250	610	34	,	,	PUNCT
cblr-14250	610	35	credit	credit	NOUN
cblr-14250	610	36	&	&	CCONJ
cblr-14250	610	37	banking	banking	NOUN
cblr-14250	610	38	381	381	NUM
cblr-14250	610	39	(	(	PUNCT
cblr-14250	610	40	2022	2022	NUM
cblr-14250	610	41	)	)	PUNCT
cblr-14250	610	42	.	.	PUNCT
cblr-14250	611	1	176	176	NUM
cblr-14250	611	2	columbia	columbia	PROPN
cblr-14250	611	3	business	business	NOUN
cblr-14250	611	4	law	law	PROPN
cblr-14250	611	5	review	review	NOUN
cblr-14250	611	6	[	[	X
cblr-14250	611	7	vol	vol	NOUN
cblr-14250	611	8	.	.	PUNCT
cblr-14250	611	9	2025	2025	NUM
cblr-14250	611	10	collaboration	collaboration	NOUN
cblr-14250	611	11	with	with	ADP
cblr-14250	611	12	financial	financial	ADJ
cblr-14250	611	13	management	management	NOUN
cblr-14250	611	14	.	.	PUNCT
cblr-14250	612	1	the	the	DET
cblr-14250	612	2	ability	ability	NOUN
cblr-14250	612	3	for	for	SCONJ
cblr-14250	612	4	bank	bank	NOUN
cblr-14250	612	5	supervisors	supervisor	NOUN
cblr-14250	612	6	to	to	PART
cblr-14250	612	7	do	do	AUX
cblr-14250	612	8	more	more	ADJ
cblr-14250	612	9	than	than	ADP
cblr-14250	612	10	nudge	nudge	VERB
cblr-14250	612	11	and	and	CCONJ
cblr-14250	612	12	cudgel	cudgel	NOUN
cblr-14250	612	13	bankers	banker	NOUN
cblr-14250	612	14	to	to	PART
cblr-14250	612	15	protect	protect	VERB
cblr-14250	612	16	themselves	themselves	PRON
cblr-14250	612	17	,	,	PUNCT
cblr-14250	612	18	however	however	ADV
cblr-14250	612	19	,	,	PUNCT
cblr-14250	612	20	was	be	AUX
cblr-14250	612	21	not	not	PART
cblr-14250	612	22	yet	yet	ADV
cblr-14250	612	23	a	a	DET
cblr-14250	612	24	part	part	NOUN
cblr-14250	612	25	of	of	ADP
cblr-14250	612	26	the	the	DET
cblr-14250	612	27	institutional	institutional	ADJ
cblr-14250	612	28	landscape	landscape	NOUN
cblr-14250	612	29	.	.	PUNCT
cblr-14250	613	1	that	that	PRON
cblr-14250	613	2	would	would	AUX
cblr-14250	613	3	come	come	VERB
cblr-14250	613	4	,	,	PUNCT
cblr-14250	613	5	awkwardly	awkwardly	ADV
cblr-14250	613	6	and	and	CCONJ
cblr-14250	613	7	in	in	ADP
cblr-14250	613	8	starts	start	NOUN
cblr-14250	613	9	,	,	PUNCT
cblr-14250	613	10	during	during	ADP
cblr-14250	613	11	the	the	DET
cblr-14250	613	12	progressive	progressive	ADJ
cblr-14250	613	13	era	era	NOUN
cblr-14250	613	14	.	.	PUNCT
cblr-14250	614	1	c.	c.	PROPN
cblr-14250	614	2	institutional	institutional	ADJ
cblr-14250	614	3	layering	layering	NOUN
cblr-14250	614	4	and	and	CCONJ
cblr-14250	614	5	the	the	DET
cblr-14250	614	6	risk	risk	NOUN
cblr-14250	614	7	management	management	NOUN
cblr-14250	614	8	model	model	NOUN
cblr-14250	614	9	of	of	ADP
cblr-14250	614	10	bank	bank	PROPN
cblr-14250	614	11	supervision	supervision	NOUN
cblr-14250	614	12	,	,	PUNCT
cblr-14250	614	13	1907–1925	1907–1925	NUM
cblr-14250	614	14	among	among	ADP
cblr-14250	614	15	the	the	DET
cblr-14250	614	16	many	many	ADJ
cblr-14250	614	17	reasons	reason	NOUN
cblr-14250	614	18	the	the	DET
cblr-14250	614	19	u.s	u.s	PROPN
cblr-14250	614	20	.	.	PROPN
cblr-14250	614	21	federal	federal	PROPN
cblr-14250	614	22	reserve	reserve	PROPN
cblr-14250	614	23	system	system	NOUN
cblr-14250	614	24	eventually	eventually	ADV
cblr-14250	614	25	entered	enter	VERB
cblr-14250	614	26	the	the	DET
cblr-14250	614	27	institutional	institutional	ADJ
cblr-14250	614	28	landscape	landscape	NOUN
cblr-14250	614	29	of	of	ADP
cblr-14250	614	30	american	american	ADJ
cblr-14250	614	31	finance	finance	NOUN
cblr-14250	614	32	,	,	PUNCT
cblr-14250	614	33	providing	provide	VERB
cblr-14250	614	34	the	the	DET
cblr-14250	614	35	missing	miss	VERB
cblr-14250	614	36	authority	authority	NOUN
cblr-14250	614	37	behind	behind	ADP
cblr-14250	614	38	risk	risk	NOUN
cblr-14250	614	39	management	management	NOUN
cblr-14250	614	40	and	and	CCONJ
cblr-14250	614	41	supervision	supervision	NOUN
cblr-14250	614	42	backed	back	VERB
cblr-14250	614	43	by	by	ADP
cblr-14250	614	44	a	a	DET
cblr-14250	614	45	plausible	plausible	ADJ
cblr-14250	614	46	balance	balance	NOUN
cblr-14250	614	47	sheet	sheet	NOUN
cblr-14250	614	48	was	be	AUX
cblr-14250	614	49	chief	chief	ADJ
cblr-14250	614	50	among	among	ADP
cblr-14250	614	51	them	they	PRON
cblr-14250	614	52	.	.	PUNCT
cblr-14250	615	1	“	"	PUNCT
cblr-14250	615	2	the	the	DET
cblr-14250	615	3	depositing	deposit	VERB
cblr-14250	615	4	bank	bank	NOUN
cblr-14250	615	5	,	,	PUNCT
cblr-14250	615	6	”	"	PUNCT
cblr-14250	615	7	the	the	DET
cblr-14250	615	8	comptroller	comptroller	NOUN
cblr-14250	615	9	of	of	ADP
cblr-14250	615	10	the	the	DET
cblr-14250	615	11	currency	currency	NOUN
cblr-14250	615	12	proposed	propose	VERB
cblr-14250	615	13	shortly	shortly	ADV
cblr-14250	615	14	after	after	ADP
cblr-14250	615	15	the	the	DET
cblr-14250	615	16	panic	panic	NOUN
cblr-14250	615	17	of	of	ADP
cblr-14250	615	18	1907	1907	NUM
cblr-14250	615	19	,	,	PUNCT
cblr-14250	615	20	“	"	PUNCT
cblr-14250	615	21	could	could	AUX
cblr-14250	615	22	be	be	AUX
cblr-14250	615	23	sure	sure	ADJ
cblr-14250	615	24	that	that	SCONJ
cblr-14250	615	25	at	at	ADP
cblr-14250	615	26	any	any	DET
cblr-14250	615	27	time	time	NOUN
cblr-14250	615	28	,	,	PUNCT
cblr-14250	615	29	as	as	ADV
cblr-14250	615	30	long	long	ADV
cblr-14250	615	31	as	as	SCONJ
cblr-14250	615	32	it	it	PRON
cblr-14250	615	33	was	be	AUX
cblr-14250	615	34	solvent	solvent	ADJ
cblr-14250	615	35	,	,	PUNCT
cblr-14250	615	36	it	it	PRON
cblr-14250	615	37	could	could	AUX
cblr-14250	615	38	go	go	VERB
cblr-14250	615	39	to	to	ADP
cblr-14250	615	40	the	the	DET
cblr-14250	615	41	central	central	ADJ
cblr-14250	615	42	bank	bank	NOUN
cblr-14250	615	43	and	and	CCONJ
cblr-14250	615	44	get	get	VERB
cblr-14250	615	45	any	any	DET
cblr-14250	615	46	amount	amount	NOUN
cblr-14250	615	47	of	of	ADP
cblr-14250	615	48	cash	cash	NOUN
cblr-14250	615	49	needed	need	VERB
cblr-14250	615	50	on	on	ADP
cblr-14250	615	51	the	the	DET
cblr-14250	615	52	notes	note	NOUN
cblr-14250	615	53	of	of	ADP
cblr-14250	615	54	its	its	PRON
cblr-14250	615	55	customers	customer	NOUN
cblr-14250	615	56	,	,	PUNCT
cblr-14250	615	57	or	or	CCONJ
cblr-14250	615	58	other	other	ADJ
cblr-14250	615	59	good	good	ADJ
cblr-14250	615	60	security	security	NOUN
cblr-14250	615	61	.	.	PUNCT
cblr-14250	615	62	”111	”111	PROPN
cblr-14250	615	63	the	the	DET
cblr-14250	615	64	need	need	NOUN
cblr-14250	615	65	to	to	PART
cblr-14250	615	66	unite	unite	VERB
cblr-14250	615	67	the	the	DET
cblr-14250	615	68	two	two	NUM
cblr-14250	615	69	functions	function	NOUN
cblr-14250	615	70	of	of	ADP
cblr-14250	615	71	supervisory	supervisory	ADJ
cblr-14250	615	72	risk	risk	NOUN
cblr-14250	615	73	management	management	NOUN
cblr-14250	615	74	and	and	CCONJ
cblr-14250	615	75	governmental	governmental	ADJ
cblr-14250	615	76	balance	balance	NOUN
cblr-14250	615	77	sheet	sheet	NOUN
cblr-14250	615	78	support	support	NOUN
cblr-14250	615	79	was	be	AUX
cblr-14250	615	80	well	well	ADV
cblr-14250	615	81	apparent	apparent	ADJ
cblr-14250	615	82	after	after	ADP
cblr-14250	615	83	the	the	DET
cblr-14250	615	84	nineteenth	nineteenth	ADJ
cblr-14250	615	85	century	century	NOUN
cblr-14250	615	86	’s	’s	PART
cblr-14250	615	87	crippling	crippling	ADJ
cblr-14250	615	88	rhythm	rhythm	NOUN
cblr-14250	615	89	of	of	ADP
cblr-14250	615	90	financial	financial	ADJ
cblr-14250	615	91	panics	panic	NOUN
cblr-14250	615	92	.	.	PUNCT
cblr-14250	616	1	the	the	DET
cblr-14250	616	2	institutional	institutional	ADJ
cblr-14250	616	3	posture	posture	NOUN
cblr-14250	616	4	of	of	ADP
cblr-14250	616	5	shared	share	VERB
cblr-14250	616	6	risk	risk	NOUN
cblr-14250	616	7	management	management	NOUN
cblr-14250	616	8	via	via	ADP
cblr-14250	616	9	the	the	DET
cblr-14250	616	10	comptroller	comptroller	NOUN
cblr-14250	616	11	of	of	ADP
cblr-14250	616	12	the	the	DET
cblr-14250	616	13	currency	currency	NOUN
cblr-14250	616	14	was	be	AUX
cblr-14250	616	15	already	already	ADV
cblr-14250	616	16	reasonably	reasonably	ADV
cblr-14250	616	17	well	well	ADV
cblr-14250	616	18	-	-	PUNCT
cblr-14250	616	19	entrenched	entrench	VERB
cblr-14250	616	20	by	by	ADP
cblr-14250	616	21	the	the	DET
cblr-14250	616	22	early	early	ADJ
cblr-14250	616	23	twentieth	twentieth	ADJ
cblr-14250	616	24	century	century	NOUN
cblr-14250	616	25	,	,	PUNCT
cblr-14250	616	26	despite	despite	SCONJ
cblr-14250	616	27	the	the	DET
cblr-14250	616	28	objections	objection	NOUN
cblr-14250	616	29	from	from	ADP
cblr-14250	616	30	some	some	DET
cblr-14250	616	31	bankers	banker	NOUN
cblr-14250	616	32	early	early	ADV
cblr-14250	616	33	on	on	ADV
cblr-14250	616	34	.	.	PUNCT
cblr-14250	617	1	but	but	CCONJ
cblr-14250	617	2	the	the	DET
cblr-14250	617	3	idea	idea	NOUN
cblr-14250	617	4	of	of	ADP
cblr-14250	617	5	the	the	DET
cblr-14250	617	6	balance	balance	NOUN
cblr-14250	617	7	sheet	sheet	NOUN
cblr-14250	617	8	necessary	necessary	ADJ
cblr-14250	617	9	to	to	PART
cblr-14250	617	10	make	make	VERB
cblr-14250	617	11	good	good	ADJ
cblr-14250	617	12	on	on	ADP
cblr-14250	617	13	those	those	DET
cblr-14250	617	14	supervisory	supervisory	ADJ
cblr-14250	617	15	commitments	commitment	NOUN
cblr-14250	617	16	was	be	AUX
cblr-14250	617	17	still	still	ADV
cblr-14250	617	18	politically	politically	ADV
cblr-14250	617	19	toxic	toxic	ADJ
cblr-14250	617	20	in	in	ADP
cblr-14250	617	21	many	many	ADJ
cblr-14250	617	22	corners	corner	NOUN
cblr-14250	617	23	of	of	ADP
cblr-14250	617	24	the	the	DET
cblr-14250	617	25	american	american	ADJ
cblr-14250	617	26	polity	polity	NOUN
cblr-14250	617	27	.	.	PUNCT
cblr-14250	618	1	that	that	DET
cblr-14250	618	2	anathematic	anathematic	ADJ
cblr-14250	618	3	quality	quality	NOUN
cblr-14250	618	4	of	of	ADP
cblr-14250	618	5	a	a	DET
cblr-14250	618	6	central	central	ADJ
cblr-14250	618	7	bank	bank	NOUN
cblr-14250	618	8	made	make	VERB
cblr-14250	618	9	the	the	DET
cblr-14250	618	10	path	path	NOUN
cblr-14250	618	11	from	from	ADP
cblr-14250	618	12	the	the	DET
cblr-14250	618	13	panic	panic	NOUN
cblr-14250	618	14	of	of	ADP
cblr-14250	618	15	1907	1907	NUM
cblr-14250	618	16	to	to	ADP
cblr-14250	618	17	the	the	DET
cblr-14250	618	18	passage	passage	NOUN
cblr-14250	618	19	of	of	ADP
cblr-14250	618	20	the	the	DET
cblr-14250	618	21	federal	federal	PROPN
cblr-14250	618	22	reserve	reserve	PROPN
cblr-14250	618	23	act	act	PROPN
cblr-14250	618	24	of	of	ADP
cblr-14250	618	25	1913	1913	NUM
cblr-14250	618	26	a	a	DET
cblr-14250	618	27	circuitous	circuitous	ADJ
cblr-14250	618	28	one	one	NUM
cblr-14250	618	29	at	at	ADP
cblr-14250	618	30	best.112	best.112	NOUN
cblr-14250	618	31	it	it	PRON
cblr-14250	618	32	also	also	ADV
cblr-14250	618	33	meant	mean	VERB
cblr-14250	618	34	that	that	SCONJ
cblr-14250	618	35	the	the	DET
cblr-14250	618	36	final	final	ADJ
cblr-14250	618	37	result	result	NOUN
cblr-14250	618	38	was	be	AUX
cblr-14250	618	39	not	not	PART
cblr-14250	618	40	,	,	PUNCT
cblr-14250	618	41	as	as	SCONJ
cblr-14250	618	42	some	some	DET
cblr-14250	618	43	scholars	scholar	NOUN
cblr-14250	618	44	have	have	AUX
cblr-14250	618	45	argued	argue	VERB
cblr-14250	618	46	,	,	PUNCT
cblr-14250	618	47	a	a	DET
cblr-14250	618	48	great	great	ADJ
cblr-14250	618	49	rethink	rethink	NOUN
cblr-14250	618	50	of	of	ADP
cblr-14250	618	51	pre	pre	ADJ
cblr-14250	618	52	-	-	ADJ
cblr-14250	618	53	existing	existing	ADJ
cblr-14250	618	54	monetary	monetary	ADJ
cblr-14250	618	55	111	111	NUM
cblr-14250	618	56	annual	annual	ADJ
cblr-14250	618	57	report	report	NOUN
cblr-14250	618	58	of	of	ADP
cblr-14250	618	59	the	the	DET
cblr-14250	618	60	comptroller	comptroller	NOUN
cblr-14250	618	61	of	of	ADP
cblr-14250	618	62	the	the	DET
cblr-14250	618	63	currency	currency	NOUN
cblr-14250	618	64	71	71	NUM
cblr-14250	618	65	(	(	PUNCT
cblr-14250	618	66	1907	1907	NUM
cblr-14250	618	67	)	)	PUNCT
cblr-14250	618	68	.	.	PUNCT
cblr-14250	619	1	112	112	NUM
cblr-14250	619	2	see	see	VERB
cblr-14250	619	3	roger	roger	PROPN
cblr-14250	619	4	lowenstein	lowenstein	PROPN
cblr-14250	619	5	,	,	PUNCT
cblr-14250	619	6	america	america	PROPN
cblr-14250	619	7	's	's	PART
cblr-14250	619	8	bank	bank	NOUN
cblr-14250	619	9	:	:	PUNCT
cblr-14250	619	10	the	the	DET
cblr-14250	619	11	epic	epic	ADJ
cblr-14250	619	12	struggle	struggle	NOUN
cblr-14250	619	13	to	to	PART
cblr-14250	619	14	create	create	VERB
cblr-14250	619	15	the	the	DET
cblr-14250	619	16	federal	federal	PROPN
cblr-14250	619	17	reserve	reserve	PROPN
cblr-14250	619	18	(	(	PUNCT
cblr-14250	619	19	2016	2016	NUM
cblr-14250	619	20	)	)	PUNCT
cblr-14250	619	21	;	;	PUNCT
cblr-14250	619	22	peter	peter	PROPN
cblr-14250	619	23	conti	conti	PROPN
cblr-14250	619	24	-	-	ADJ
cblr-14250	619	25	brown	brown	ADJ
cblr-14250	619	26	,	,	PUNCT
cblr-14250	619	27	the	the	DET
cblr-14250	619	28	power	power	NOUN
cblr-14250	619	29	and	and	CCONJ
cblr-14250	619	30	independence	independence	NOUN
cblr-14250	619	31	of	of	ADP
cblr-14250	619	32	the	the	DET
cblr-14250	619	33	federal	federal	PROPN
cblr-14250	619	34	reserve	reserve	PROPN
cblr-14250	619	35	(	(	PUNCT
cblr-14250	619	36	2016	2016	NUM
cblr-14250	619	37	)	)	PUNCT
cblr-14250	619	38	.	.	PUNCT
cblr-14250	620	1	no	no	INTJ
cblr-14250	620	2	.	.	NOUN
cblr-14250	620	3	1	1	NUM
cblr-14250	620	4	]	]	PUNCT
cblr-14250	620	5	risk	risk	NOUN
cblr-14250	620	6	,	,	PUNCT
cblr-14250	620	7	discretion	discretion	NOUN
cblr-14250	620	8	,	,	PUNCT
cblr-14250	620	9	and	and	CCONJ
cblr-14250	620	10	bank	bank	NOUN
cblr-14250	620	11	supervision	supervision	NOUN
cblr-14250	620	12	177	177	NUM
cblr-14250	620	13	frameworks	framework	NOUN
cblr-14250	620	14	so	so	ADV
cblr-14250	620	15	much	much	ADV
cblr-14250	620	16	as	as	SCONJ
cblr-14250	620	17	it	it	PRON
cblr-14250	620	18	was	be	AUX
cblr-14250	620	19	an	an	DET
cblr-14250	620	20	instance	instance	NOUN
cblr-14250	620	21	of	of	ADP
cblr-14250	620	22	important	important	ADJ
cblr-14250	620	23	,	,	PUNCT
cblr-14250	620	24	politically	politically	ADV
cblr-14250	620	25	inflected	inflected	ADJ
cblr-14250	620	26	institutional	institutional	ADJ
cblr-14250	620	27	layering.113	layering.113	PROPN
cblr-14250	620	28	what	what	PRON
cblr-14250	620	29	emerged	emerge	VERB
cblr-14250	620	30	from	from	ADP
cblr-14250	620	31	this	this	DET
cblr-14250	620	32	pivotal	pivotal	ADJ
cblr-14250	620	33	period	period	NOUN
cblr-14250	620	34	in	in	ADP
cblr-14250	620	35	the	the	DET
cblr-14250	620	36	institutional	institutional	ADJ
cblr-14250	620	37	development	development	NOUN
cblr-14250	620	38	of	of	ADP
cblr-14250	620	39	bank	bank	NOUN
cblr-14250	620	40	supervision	supervision	NOUN
cblr-14250	620	41	was	be	AUX
cblr-14250	620	42	two	two	NUM
cblr-14250	620	43	-	-	PUNCT
cblr-14250	620	44	fold	fold	NOUN
cblr-14250	620	45	:	:	PUNCT
cblr-14250	620	46	bank	bank	NOUN
cblr-14250	620	47	supervision	supervision	NOUN
cblr-14250	620	48	would	would	AUX
cblr-14250	620	49	flow	flow	VERB
cblr-14250	620	50	into	into	ADP
cblr-14250	620	51	the	the	DET
cblr-14250	620	52	new	new	ADJ
cblr-14250	620	53	creature	creature	NOUN
cblr-14250	620	54	of	of	ADP
cblr-14250	620	55	the	the	DET
cblr-14250	620	56	u.s	u.s	PROPN
cblr-14250	620	57	.	.	PROPN
cblr-14250	620	58	federal	federal	PROPN
cblr-14250	620	59	reserve	reserve	PROPN
cblr-14250	620	60	system	system	NOUN
cblr-14250	620	61	,	,	PUNCT
cblr-14250	620	62	but	but	CCONJ
cblr-14250	620	63	it	it	PRON
cblr-14250	620	64	would	would	AUX
cblr-14250	620	65	do	do	VERB
cblr-14250	620	66	so	so	ADV
cblr-14250	620	67	according	accord	VERB
cblr-14250	620	68	to	to	ADP
cblr-14250	620	69	a	a	DET
cblr-14250	620	70	logic	logic	NOUN
cblr-14250	620	71	that	that	PRON
cblr-14250	620	72	would	would	AUX
cblr-14250	620	73	look	look	VERB
cblr-14250	620	74	quite	quite	ADV
cblr-14250	620	75	different	different	ADJ
cblr-14250	620	76	from	from	ADP
cblr-14250	620	77	what	what	PRON
cblr-14250	620	78	had	have	AUX
cblr-14250	620	79	come	come	VERB
cblr-14250	620	80	before	before	ADV
cblr-14250	620	81	.	.	PUNCT
cblr-14250	621	1	the	the	DET
cblr-14250	621	2	explanations	explanation	NOUN
cblr-14250	621	3	for	for	ADP
cblr-14250	621	4	the	the	DET
cblr-14250	621	5	strange	strange	ADJ
cblr-14250	621	6	legislative	legislative	ADJ
cblr-14250	621	7	path	path	NOUN
cblr-14250	621	8	are	be	AUX
cblr-14250	621	9	manifold	manifold	ADJ
cblr-14250	621	10	,	,	PUNCT
cblr-14250	621	11	reflecting	reflect	VERB
cblr-14250	621	12	the	the	DET
cblr-14250	621	13	diverse	diverse	ADJ
cblr-14250	621	14	coalitional	coalitional	ADJ
cblr-14250	621	15	interests	interest	NOUN
cblr-14250	621	16	behind	behind	ADP
cblr-14250	621	17	“	"	PUNCT
cblr-14250	621	18	currency	currency	NOUN
cblr-14250	621	19	reform	reform	NOUN
cblr-14250	621	20	”	"	PUNCT
cblr-14250	621	21	that	that	PRON
cblr-14250	621	22	ultimately	ultimately	ADV
cblr-14250	621	23	led	lead	VERB
cblr-14250	621	24	to	to	ADP
cblr-14250	621	25	the	the	DET
cblr-14250	621	26	system	system	NOUN
cblr-14250	621	27	’s	’s	PART
cblr-14250	621	28	creation	creation	NOUN
cblr-14250	621	29	.	.	PUNCT
cblr-14250	622	1	the	the	DET
cblr-14250	622	2	institutional	institutional	ADJ
cblr-14250	622	3	interests	interest	NOUN
cblr-14250	622	4	of	of	ADP
cblr-14250	622	5	the	the	DET
cblr-14250	622	6	comptroller	comptroller	NOUN
cblr-14250	622	7	of	of	ADP
cblr-14250	622	8	the	the	DET
cblr-14250	622	9	currency	currency	NOUN
cblr-14250	622	10	are	be	AUX
cblr-14250	622	11	a	a	DET
cblr-14250	622	12	good	good	ADJ
cblr-14250	622	13	place	place	NOUN
cblr-14250	622	14	to	to	PART
cblr-14250	622	15	start	start	VERB
cblr-14250	622	16	.	.	PUNCT
cblr-14250	623	1	the	the	DET
cblr-14250	623	2	obvious	obvious	ADJ
cblr-14250	623	3	debilities	debility	NOUN
cblr-14250	623	4	in	in	ADP
cblr-14250	623	5	the	the	DET
cblr-14250	623	6	national	national	ADJ
cblr-14250	623	7	banking	banking	NOUN
cblr-14250	623	8	system	system	NOUN
cblr-14250	623	9	did	do	AUX
cblr-14250	623	10	not	not	PART
cblr-14250	623	11	lead	lead	VERB
cblr-14250	623	12	to	to	ADP
cblr-14250	623	13	the	the	DET
cblr-14250	623	14	comptroller	comptroller	NOUN
cblr-14250	623	15	’s	’s	PART
cblr-14250	623	16	advocacy	advocacy	NOUN
cblr-14250	623	17	for	for	ADP
cblr-14250	623	18	the	the	DET
cblr-14250	623	19	elimination	elimination	NOUN
cblr-14250	623	20	of	of	ADP
cblr-14250	623	21	the	the	DET
cblr-14250	623	22	national	national	ADJ
cblr-14250	623	23	banks	bank	NOUN
cblr-14250	623	24	,	,	PUNCT
cblr-14250	623	25	but	but	CCONJ
cblr-14250	623	26	to	to	ADP
cblr-14250	623	27	the	the	DET
cblr-14250	623	28	layering	layering	NOUN
cblr-14250	623	29	of	of	ADP
cblr-14250	623	30	more	more	ADJ
cblr-14250	623	31	federal	federal	ADJ
cblr-14250	623	32	institutional	institutional	ADJ
cblr-14250	623	33	complexity	complexity	NOUN
cblr-14250	623	34	.	.	PUNCT
cblr-14250	624	1	shortly	shortly	ADV
cblr-14250	624	2	after	after	ADP
cblr-14250	624	3	the	the	DET
cblr-14250	624	4	panic	panic	NOUN
cblr-14250	624	5	of	of	ADP
cblr-14250	624	6	1907	1907	NUM
cblr-14250	624	7	,	,	PUNCT
cblr-14250	624	8	theodore	theodore	PROPN
cblr-14250	624	9	roosevelt	roosevelt	PROPN
cblr-14250	624	10	appointed	appoint	VERB
cblr-14250	624	11	lawrence	lawrence	PROPN
cblr-14250	624	12	o.	o.	PROPN
cblr-14250	624	13	murray	murray	PROPN
cblr-14250	624	14	as	as	ADP
cblr-14250	624	15	comptroller	comptroller	NOUN
cblr-14250	624	16	,	,	PUNCT
cblr-14250	624	17	with	with	ADP
cblr-14250	624	18	a	a	DET
cblr-14250	624	19	charge	charge	NOUN
cblr-14250	624	20	to	to	PART
cblr-14250	624	21	reform	reform	VERB
cblr-14250	624	22	the	the	DET
cblr-14250	624	23	system	system	NOUN
cblr-14250	624	24	.	.	PUNCT
cblr-14250	625	1	“	"	PUNCT
cblr-14250	625	2	when	when	SCONJ
cblr-14250	625	3	i	i	PRON
cblr-14250	625	4	became	become	VERB
cblr-14250	625	5	comptroller	comptroller	NOUN
cblr-14250	625	6	it	it	PRON
cblr-14250	625	7	seemed	seem	VERB
cblr-14250	625	8	to	to	ADP
cblr-14250	625	9	me	i	PRON
cblr-14250	625	10	that	that	SCONJ
cblr-14250	625	11	we	we	PRON
cblr-14250	625	12	needed	need	VERB
cblr-14250	625	13	three	three	NUM
cblr-14250	625	14	things	thing	NOUN
cblr-14250	625	15	,	,	PUNCT
cblr-14250	625	16	”	"	PUNCT
cblr-14250	625	17	murray	murray	PROPN
cblr-14250	625	18	explained	explain	VERB
cblr-14250	625	19	to	to	ADP
cblr-14250	625	20	congress	congress	PROPN
cblr-14250	625	21	in	in	ADP
cblr-14250	625	22	1908	1908	NUM
cblr-14250	625	23	,	,	PUNCT
cblr-14250	625	24	“	"	PUNCT
cblr-14250	625	25	a	a	DET
cblr-14250	625	26	more	more	ADV
cblr-14250	625	27	efficient	efficient	ADJ
cblr-14250	625	28	law	law	NOUN
cblr-14250	625	29	for	for	SCONJ
cblr-14250	625	30	the	the	DET
cblr-14250	625	31	comptroller	comptroller	NOUN
cblr-14250	625	32	to	to	PART
cblr-14250	625	33	work	work	VERB
cblr-14250	625	34	under	under	ADP
cblr-14250	625	35	,	,	PUNCT
cblr-14250	625	36	whereby	whereby	SCONJ
cblr-14250	625	37	he	he	PRON
cblr-14250	625	38	would	would	AUX
cblr-14250	625	39	be	be	AUX
cblr-14250	625	40	taken	take	VERB
cblr-14250	625	41	out	out	ADP
cblr-14250	625	42	of	of	ADP
cblr-14250	625	43	the	the	DET
cblr-14250	625	44	category	category	NOUN
cblr-14250	625	45	of	of	ADP
cblr-14250	625	46	a	a	DET
cblr-14250	625	47	common	common	ADJ
cblr-14250	625	48	scold	scold	NOUN
cblr-14250	625	49	and	and	CCONJ
cblr-14250	625	50	given	give	VERB
cblr-14250	625	51	the	the	DET
cblr-14250	625	52	power	power	NOUN
cblr-14250	625	53	to	to	PART
cblr-14250	625	54	do	do	AUX
cblr-14250	625	55	something	something	PRON
cblr-14250	625	56	;	;	PUNCT
cblr-14250	625	57	better	well	ADJ
cblr-14250	625	58	examinations	examination	NOUN
cblr-14250	625	59	of	of	ADP
cblr-14250	625	60	the	the	DET
cblr-14250	625	61	banks	bank	NOUN
cblr-14250	625	62	by	by	ADP
cblr-14250	625	63	bank	bank	NOUN
cblr-14250	625	64	examiners	examiner	NOUN
cblr-14250	625	65	;	;	PUNCT
cblr-14250	625	66	and	and	CCONJ
cblr-14250	625	67	more	more	ADJ
cblr-14250	625	68	cooperation	cooperation	NOUN
cblr-14250	625	69	or	or	CCONJ
cblr-14250	625	70	direction	direction	NOUN
cblr-14250	625	71	by	by	ADP
cblr-14250	625	72	the	the	DET
cblr-14250	625	73	directors	director	NOUN
cblr-14250	625	74	.	.	PUNCT
cblr-14250	626	1	”114	”114	PROPN
cblr-14250	626	2	murray	murray	PROPN
cblr-14250	626	3	recognized	recognize	VERB
cblr-14250	626	4	that	that	SCONJ
cblr-14250	626	5	,	,	PUNCT
cblr-14250	626	6	although	although	SCONJ
cblr-14250	626	7	private	private	ADJ
cblr-14250	626	8	shareholders	shareholder	NOUN
cblr-14250	626	9	backstopped	backstoppe	VERB
cblr-14250	626	10	the	the	DET
cblr-14250	626	11	banking	banking	NOUN
cblr-14250	626	12	system	system	NOUN
cblr-14250	626	13	through	through	ADP
cblr-14250	626	14	their	their	PRON
cblr-14250	626	15	personal	personal	ADJ
cblr-14250	626	16	liability	liability	NOUN
cblr-14250	626	17	,	,	PUNCT
cblr-14250	626	18	the	the	DET
cblr-14250	626	19	financial	financial	ADJ
cblr-14250	626	20	and	and	CCONJ
cblr-14250	626	21	political	political	ADJ
cblr-14250	626	22	consequences	consequence	NOUN
cblr-14250	626	23	of	of	ADP
cblr-14250	626	24	failure	failure	NOUN
cblr-14250	626	25	exceed	exceed	VERB
cblr-14250	626	26	the	the	DET
cblr-14250	626	27	capacity	capacity	NOUN
cblr-14250	626	28	of	of	ADP
cblr-14250	626	29	the	the	DET
cblr-14250	626	30	private	private	ADJ
cblr-14250	626	31	risk	risk	NOUN
cblr-14250	626	32	buffer	buffer	NOUN
cblr-14250	626	33	.	.	PUNCT
cblr-14250	627	1	the	the	DET
cblr-14250	627	2	113	113	NUM
cblr-14250	627	3	for	for	ADP
cblr-14250	627	4	the	the	DET
cblr-14250	627	5	view	view	NOUN
cblr-14250	627	6	that	that	SCONJ
cblr-14250	627	7	the	the	DET
cblr-14250	627	8	federal	federal	PROPN
cblr-14250	627	9	reserve	reserve	PROPN
cblr-14250	627	10	act	act	PROPN
cblr-14250	627	11	followed	follow	VERB
cblr-14250	627	12	a	a	DET
cblr-14250	627	13	specific	specific	ADJ
cblr-14250	627	14	intellectual	intellectual	ADJ
cblr-14250	627	15	design	design	NOUN
cblr-14250	627	16	and	and	CCONJ
cblr-14250	627	17	logic	logic	NOUN
cblr-14250	627	18	independent	independent	ADJ
cblr-14250	627	19	of	of	ADP
cblr-14250	627	20	political	political	ADJ
cblr-14250	627	21	processes	process	NOUN
cblr-14250	627	22	,	,	PUNCT
cblr-14250	627	23	see	see	VERB
cblr-14250	627	24	menand	menand	NOUN
cblr-14250	627	25	,	,	PUNCT
cblr-14250	627	26	logic	logic	NOUN
cblr-14250	627	27	and	and	CCONJ
cblr-14250	627	28	limits	limit	NOUN
cblr-14250	627	29	,	,	PUNCT
cblr-14250	627	30	supra	supra	PROPN
cblr-14250	627	31	note	note	NOUN
cblr-14250	627	32	7	7	NUM
cblr-14250	627	33	.	.	PUNCT
cblr-14250	628	1	although	although	SCONJ
cblr-14250	628	2	the	the	DET
cblr-14250	628	3	concept	concept	NOUN
cblr-14250	628	4	has	have	AUX
cblr-14250	628	5	enjoyed	enjoy	VERB
cblr-14250	628	6	a	a	DET
cblr-14250	628	7	long	long	ADJ
cblr-14250	628	8	and	and	CCONJ
cblr-14250	628	9	circuitous	circuitous	ADJ
cblr-14250	628	10	metahistory	metahistory	NOUN
cblr-14250	628	11	,	,	PUNCT
cblr-14250	628	12	see	see	VERB
cblr-14250	628	13	jeroen	jeroen	PROPN
cblr-14250	628	14	van	van	PROPN
cblr-14250	628	15	der	der	PROPN
cblr-14250	628	16	heijden	heijden	PROPN
cblr-14250	628	17	,	,	PUNCT
cblr-14250	628	18	institutional	institutional	ADJ
cblr-14250	628	19	layering	layering	NOUN
cblr-14250	628	20	:	:	PUNCT
cblr-14250	628	21	a	a	DET
cblr-14250	628	22	review	review	NOUN
cblr-14250	628	23	of	of	ADP
cblr-14250	628	24	the	the	DET
cblr-14250	628	25	use	use	NOUN
cblr-14250	628	26	of	of	ADP
cblr-14250	628	27	the	the	DET
cblr-14250	628	28	concept	concept	NOUN
cblr-14250	628	29	,	,	PUNCT
cblr-14250	628	30	31	31	NUM
cblr-14250	628	31	politics	politic	NOUN
cblr-14250	628	32	9	9	NUM
cblr-14250	628	33	(	(	PUNCT
cblr-14250	628	34	2011	2011	NUM
cblr-14250	628	35	)	)	PUNCT
cblr-14250	628	36	,	,	PUNCT
cblr-14250	628	37	institutional	institutional	ADJ
cblr-14250	628	38	layering	layering	NOUN
cblr-14250	628	39	refers	refer	VERB
cblr-14250	628	40	to	to	ADP
cblr-14250	628	41	the	the	DET
cblr-14250	628	42	idea	idea	NOUN
cblr-14250	628	43	that	that	SCONJ
cblr-14250	628	44	“	"	PUNCT
cblr-14250	628	45	new	new	ADJ
cblr-14250	628	46	rules	rule	NOUN
cblr-14250	628	47	are	be	AUX
cblr-14250	628	48	attached	attach	VERB
cblr-14250	628	49	to	to	ADP
cblr-14250	628	50	existing	exist	VERB
cblr-14250	628	51	ones	one	NOUN
cblr-14250	628	52	,	,	PUNCT
cblr-14250	628	53	thereby	thereby	ADV
cblr-14250	628	54	changing	change	VERB
cblr-14250	628	55	the	the	DET
cblr-14250	628	56	ways	way	NOUN
cblr-14250	628	57	in	in	ADP
cblr-14250	628	58	which	which	PRON
cblr-14250	628	59	original	original	ADJ
cblr-14250	628	60	rules	rule	NOUN
cblr-14250	628	61	structure	structure	NOUN
cblr-14250	628	62	behavior	behavior	NOUN
cblr-14250	628	63	.	.	PUNCT
cblr-14250	628	64	”	"	PUNCT
cblr-14250	629	1	see	see	VERB
cblr-14250	629	2	james	james	PROPN
cblr-14250	629	3	mahoney	mahoney	PROPN
cblr-14250	629	4	&	&	CCONJ
cblr-14250	629	5	kathleen	kathleen	PROPN
cblr-14250	629	6	thelen	thelen	PROPN
cblr-14250	629	7	,	,	PUNCT
cblr-14250	629	8	a	a	DET
cblr-14250	629	9	theory	theory	NOUN
cblr-14250	629	10	of	of	ADP
cblr-14250	629	11	gradual	gradual	ADJ
cblr-14250	629	12	institutional	institutional	ADJ
cblr-14250	629	13	change	change	NOUN
cblr-14250	629	14	,	,	PUNCT
cblr-14250	629	15	in	in	ADP
cblr-14250	629	16	explaining	explain	VERB
cblr-14250	629	17	institutional	institutional	ADJ
cblr-14250	629	18	change	change	NOUN
cblr-14250	629	19	:	:	PUNCT
cblr-14250	629	20	ambiguity	ambiguity	NOUN
cblr-14250	629	21	,	,	PUNCT
cblr-14250	629	22	agency	agency	NOUN
cblr-14250	629	23	,	,	PUNCT
cblr-14250	629	24	and	and	CCONJ
cblr-14250	629	25	power	power	NOUN
cblr-14250	629	26	16	16	NUM
cblr-14250	629	27	(	(	PUNCT
cblr-14250	629	28	2010	2010	NUM
cblr-14250	629	29	)	)	PUNCT
cblr-14250	629	30	.	.	PUNCT
cblr-14250	630	1	114	114	NUM
cblr-14250	630	2	hearings	hearing	NOUN
cblr-14250	630	3	before	before	ADP
cblr-14250	630	4	the	the	DET
cblr-14250	630	5	nat’l	nat’l	NOUN
cblr-14250	630	6	monetary	monetary	ADJ
cblr-14250	630	7	comm’n	comm’n	NOUN
cblr-14250	630	8	,	,	PUNCT
cblr-14250	630	9	60th	60th	ADJ
cblr-14250	630	10	cong	cong	NOUN
cblr-14250	630	11	.	.	PUNCT
cblr-14250	631	1	78	78	NUM
cblr-14250	631	2	(	(	PUNCT
cblr-14250	631	3	1908	1908	NUM
cblr-14250	631	4	)	)	PUNCT
cblr-14250	631	5	(	(	PUNCT
cblr-14250	631	6	statement	statement	NOUN
cblr-14250	631	7	of	of	ADP
cblr-14250	631	8	lawrence	lawrence	PROPN
cblr-14250	631	9	o.	o.	PROPN
cblr-14250	631	10	murray	murray	PROPN
cblr-14250	631	11	,	,	PUNCT
cblr-14250	631	12	comptroller	comptroller	NOUN
cblr-14250	631	13	of	of	ADP
cblr-14250	631	14	the	the	DET
cblr-14250	631	15	currency	currency	NOUN
cblr-14250	631	16	)	)	PUNCT
cblr-14250	631	17	.	.	PUNCT
cblr-14250	632	1	178	178	NUM
cblr-14250	632	2	columbia	columbia	PROPN
cblr-14250	632	3	business	business	NOUN
cblr-14250	632	4	law	law	PROPN
cblr-14250	632	5	review	review	NOUN
cblr-14250	632	6	[	[	X
cblr-14250	632	7	vol	vol	NOUN
cblr-14250	632	8	.	.	PUNCT
cblr-14250	632	9	2025	2025	NUM
cblr-14250	632	10	residual	residual	NOUN
cblr-14250	632	11	rested	rest	VERB
cblr-14250	632	12	with	with	ADP
cblr-14250	632	13	the	the	DET
cblr-14250	632	14	public	public	NOUN
cblr-14250	632	15	.	.	PUNCT
cblr-14250	633	1	murray	murray	PROPN
cblr-14250	633	2	sought	seek	VERB
cblr-14250	633	3	more	more	ADJ
cblr-14250	633	4	power	power	NOUN
cblr-14250	633	5	to	to	PART
cblr-14250	633	6	manage	manage	VERB
cblr-14250	633	7	that	that	DET
cblr-14250	633	8	risk	risk	NOUN
cblr-14250	633	9	.	.	PUNCT
cblr-14250	634	1	the	the	DET
cblr-14250	634	2	time	time	NOUN
cblr-14250	634	3	between	between	ADP
cblr-14250	634	4	the	the	DET
cblr-14250	634	5	panic	panic	NOUN
cblr-14250	634	6	of	of	ADP
cblr-14250	634	7	1907	1907	NUM
cblr-14250	634	8	and	and	CCONJ
cblr-14250	634	9	the	the	DET
cblr-14250	634	10	passage	passage	NOUN
cblr-14250	634	11	of	of	ADP
cblr-14250	634	12	the	the	DET
cblr-14250	634	13	federal	federal	PROPN
cblr-14250	634	14	reserve	reserve	PROPN
cblr-14250	634	15	act	act	PROPN
cblr-14250	634	16	coincided	coincide	VERB
cblr-14250	634	17	with	with	ADP
cblr-14250	634	18	a	a	DET
cblr-14250	634	19	significant	significant	ADJ
cblr-14250	634	20	expansion	expansion	NOUN
cblr-14250	634	21	of	of	ADP
cblr-14250	634	22	the	the	DET
cblr-14250	634	23	supervisory	supervisory	ADJ
cblr-14250	634	24	function	function	NOUN
cblr-14250	634	25	under	under	ADP
cblr-14250	634	26	murray	murray	PROPN
cblr-14250	634	27	’s	’s	PART
cblr-14250	634	28	leadership	leadership	NOUN
cblr-14250	634	29	,	,	PUNCT
cblr-14250	634	30	including	include	VERB
cblr-14250	634	31	the	the	DET
cblr-14250	634	32	implementation	implementation	NOUN
cblr-14250	634	33	of	of	ADP
cblr-14250	634	34	more	more	ADJ
cblr-14250	634	35	rigorous	rigorous	ADJ
cblr-14250	634	36	professionalization	professionalization	NOUN
cblr-14250	634	37	standards	standard	NOUN
cblr-14250	634	38	for	for	ADP
cblr-14250	634	39	bank	bank	NOUN
cblr-14250	634	40	supervisors	supervisor	NOUN
cblr-14250	634	41	,	,	PUNCT
cblr-14250	634	42	the	the	DET
cblr-14250	634	43	expansion	expansion	NOUN
cblr-14250	634	44	of	of	ADP
cblr-14250	634	45	counterparty	counterparty	NOUN
cblr-14250	634	46	supervision	supervision	NOUN
cblr-14250	634	47	of	of	ADP
cblr-14250	634	48	nonbank	nonbank	PROPN
cblr-14250	634	49	(	(	PUNCT
cblr-14250	634	50	and	and	CCONJ
cblr-14250	634	51	non	non	ADJ
cblr-14250	634	52	-	-	ADJ
cblr-14250	634	53	national	national	ADJ
cblr-14250	634	54	banks	bank	NOUN
cblr-14250	634	55	)	)	PUNCT
cblr-14250	634	56	,	,	PUNCT
cblr-14250	634	57	and	and	CCONJ
cblr-14250	634	58	the	the	DET
cblr-14250	634	59	substantial	substantial	ADJ
cblr-14250	634	60	reorganization	reorganization	NOUN
cblr-14250	634	61	of	of	ADP
cblr-14250	634	62	the	the	DET
cblr-14250	634	63	entire	entire	ADJ
cblr-14250	634	64	examination	examination	NOUN
cblr-14250	634	65	force.115	force.115	NOUN
cblr-14250	634	66	in	in	ADP
cblr-14250	634	67	the	the	DET
cblr-14250	634	68	final	final	ADJ
cblr-14250	634	69	federal	federal	PROPN
cblr-14250	634	70	reserve	reserve	PROPN
cblr-14250	634	71	act	act	PROPN
cblr-14250	634	72	,	,	PUNCT
cblr-14250	634	73	murray	murray	PROPN
cblr-14250	634	74	and	and	CCONJ
cblr-14250	634	75	others	other	NOUN
cblr-14250	634	76	succeeded	succeed	VERB
cblr-14250	634	77	in	in	ADP
cblr-14250	634	78	preserving	preserve	VERB
cblr-14250	634	79	the	the	DET
cblr-14250	634	80	comptroller	comptroller	NOUN
cblr-14250	634	81	and	and	CCONJ
cblr-14250	634	82	the	the	DET
cblr-14250	634	83	national	national	ADJ
cblr-14250	634	84	banking	banking	NOUN
cblr-14250	634	85	system	system	NOUN
cblr-14250	634	86	,	,	PUNCT
cblr-14250	634	87	and	and	CCONJ
cblr-14250	634	88	with	with	ADP
cblr-14250	634	89	them	they	PRON
cblr-14250	634	90	a	a	DET
cblr-14250	634	91	discretionary	discretionary	ADJ
cblr-14250	634	92	supervision	supervision	NOUN
cblr-14250	634	93	rooted	root	VERB
cblr-14250	634	94	in	in	ADP
cblr-14250	634	95	the	the	DET
cblr-14250	634	96	visitorial	visitorial	ADJ
cblr-14250	634	97	power	power	NOUN
cblr-14250	634	98	.	.	PUNCT
cblr-14250	635	1	they	they	PRON
cblr-14250	635	2	also	also	ADV
cblr-14250	635	3	further	far	ADV
cblr-14250	635	4	professionalized	professionalize	VERB
cblr-14250	635	5	the	the	DET
cblr-14250	635	6	examination	examination	NOUN
cblr-14250	635	7	corps	corps	NOUN
cblr-14250	635	8	by	by	ADP
cblr-14250	635	9	placing	place	VERB
cblr-14250	635	10	them	they	PRON
cblr-14250	635	11	on	on	ADP
cblr-14250	635	12	salaries	salary	NOUN
cblr-14250	635	13	rather	rather	ADV
cblr-14250	635	14	than	than	ADP
cblr-14250	635	15	the	the	DET
cblr-14250	635	16	fee	fee	NOUN
cblr-14250	635	17	-	-	PUNCT
cblr-14250	635	18	for	for	ADP
cblr-14250	635	19	-	-	PUNCT
cblr-14250	635	20	examination	examination	NOUN
cblr-14250	635	21	model	model	NOUN
cblr-14250	635	22	that	that	PRON
cblr-14250	635	23	had	have	AUX
cblr-14250	635	24	existed	exist	VERB
cblr-14250	635	25	for	for	ADP
cblr-14250	635	26	the	the	DET
cblr-14250	635	27	previous	previous	ADJ
cblr-14250	635	28	fifty	fifty	NUM
cblr-14250	635	29	years.116	years.116	INTJ
cblr-14250	635	30	both	both	DET
cblr-14250	635	31	these	these	DET
cblr-14250	635	32	achievements	achievement	NOUN
cblr-14250	635	33	entrenched	entrenched	ADJ
cblr-14250	635	34	bank	bank	NOUN
cblr-14250	635	35	supervision	supervision	NOUN
cblr-14250	635	36	in	in	ADP
cblr-14250	635	37	a	a	DET
cblr-14250	635	38	risk	risk	NOUN
cblr-14250	635	39	management	management	NOUN
cblr-14250	635	40	posture	posture	NOUN
cblr-14250	635	41	,	,	PUNCT
cblr-14250	635	42	placing	place	VERB
cblr-14250	635	43	a	a	DET
cblr-14250	635	44	professional	professional	ADJ
cblr-14250	635	45	corps	corps	NOUN
cblr-14250	635	46	of	of	ADP
cblr-14250	635	47	bank	bank	NOUN
cblr-14250	635	48	examiners	examiner	NOUN
cblr-14250	635	49	ever	ever	ADV
cblr-14250	635	50	-	-	PUNCT
cblr-14250	635	51	present	present	ADJ
cblr-14250	635	52	in	in	ADP
cblr-14250	635	53	the	the	DET
cblr-14250	635	54	halls	hall	NOUN
cblr-14250	635	55	of	of	ADP
cblr-14250	635	56	private	private	ADJ
cblr-14250	635	57	financial	financial	ADJ
cblr-14250	635	58	institutions	institution	NOUN
cblr-14250	635	59	rather	rather	ADV
cblr-14250	635	60	than	than	ADP
cblr-14250	635	61	permitting	permit	VERB
cblr-14250	635	62	the	the	DET
cblr-14250	635	63	quasi	quasi	ADJ
cblr-14250	635	64	-	-	ADJ
cblr-14250	635	65	public	public	ADJ
cblr-14250	635	66	central	central	ADJ
cblr-14250	635	67	bank	bank	NOUN
cblr-14250	635	68	to	to	PART
cblr-14250	635	69	function	function	VERB
cblr-14250	635	70	in	in	ADP
cblr-14250	635	71	the	the	DET
cblr-14250	635	72	currency	currency	NOUN
cblr-14250	635	73	view	view	NOUN
cblr-14250	635	74	of	of	ADP
cblr-14250	635	75	counterparty	counterparty	NOUN
cblr-14250	635	76	supervision	supervision	NOUN
cblr-14250	635	77	that	that	PRON
cblr-14250	635	78	existed	exist	VERB
cblr-14250	635	79	elsewhere	elsewhere	ADV
cblr-14250	635	80	.	.	PUNCT
cblr-14250	636	1	while	while	SCONJ
cblr-14250	636	2	the	the	DET
cblr-14250	636	3	federal	federal	PROPN
cblr-14250	636	4	reserve	reserve	NOUN
cblr-14250	636	5	system	system	NOUN
cblr-14250	636	6	that	that	PRON
cblr-14250	636	7	emerged	emerge	VERB
cblr-14250	636	8	from	from	ADP
cblr-14250	636	9	the	the	DET
cblr-14250	636	10	legislative	legislative	ADJ
cblr-14250	636	11	process	process	NOUN
cblr-14250	636	12	was	be	AUX
cblr-14250	636	13	modeled	model	VERB
cblr-14250	636	14	in	in	ADP
cblr-14250	636	15	some	some	DET
cblr-14250	636	16	ways	way	NOUN
cblr-14250	636	17	on	on	ADP
cblr-14250	636	18	central	central	ADJ
cblr-14250	636	19	banks	bank	NOUN
cblr-14250	636	20	elsewhere	elsewhere	ADV
cblr-14250	636	21	in	in	ADP
cblr-14250	636	22	the	the	DET
cblr-14250	636	23	world	world	NOUN
cblr-14250	636	24	,	,	PUNCT
cblr-14250	636	25	the	the	DET
cblr-14250	636	26	unique	unique	ADJ
cblr-14250	636	27	institutional	institutional	ADJ
cblr-14250	636	28	layering	layering	NOUN
cblr-14250	636	29	on	on	ADP
cblr-14250	636	30	top	top	NOUN
cblr-14250	636	31	of	of	ADP
cblr-14250	636	32	the	the	DET
cblr-14250	636	33	american	american	ADJ
cblr-14250	636	34	system	system	NOUN
cblr-14250	636	35	introduced	introduce	VERB
cblr-14250	636	36	opportunities	opportunity	NOUN
cblr-14250	636	37	for	for	ADP
cblr-14250	636	38	institutional	institutional	ADJ
cblr-14250	636	39	fragmentation	fragmentation	NOUN
cblr-14250	636	40	and	and	CCONJ
cblr-14250	636	41	institutional	institutional	ADJ
cblr-14250	636	42	innovation	innovation	NOUN
cblr-14250	636	43	alike.117	alike.117	ADP
cblr-14250	636	44	the	the	DET
cblr-14250	636	45	fragmentation	fragmentation	NOUN
cblr-14250	636	46	occurred	occur	VERB
cblr-14250	636	47	through	through	ADP
cblr-14250	636	48	the	the	DET
cblr-14250	636	49	addition	addition	NOUN
cblr-14250	636	50	of	of	ADP
cblr-14250	636	51	more	more	ADJ
cblr-14250	636	52	supervisory	supervisory	ADJ
cblr-14250	636	53	engagement	engagement	NOUN
cblr-14250	636	54	by	by	ADP
cblr-14250	636	55	the	the	DET
cblr-14250	636	56	federal	federal	PROPN
cblr-14250	636	57	reserve	reserve	PROPN
cblr-14250	636	58	.	.	PUNCT
cblr-14250	637	1	congress	congress	PROPN
cblr-14250	637	2	granted	grant	VERB
cblr-14250	637	3	the	the	DET
cblr-14250	637	4	fed	fed	PROPN
cblr-14250	637	5	the	the	DET
cblr-14250	637	6	authority	authority	NOUN
cblr-14250	637	7	to	to	ADP
cblr-14250	637	8	115	115	NUM
cblr-14250	637	9	controller	controller	NOUN
cblr-14250	637	10	warns	warn	VERB
cblr-14250	637	11	bank	bank	NOUN
cblr-14250	637	12	examiners	examiner	NOUN
cblr-14250	637	13	,	,	PUNCT
cblr-14250	637	14	n.y	n.y	PROPN
cblr-14250	637	15	.	.	PROPN
cblr-14250	637	16	times	times	PROPN
cblr-14250	637	17	,	,	PUNCT
cblr-14250	637	18	sept	sept	PROPN
cblr-14250	637	19	.	.	PROPN
cblr-14250	637	20	22	22	NUM
cblr-14250	637	21	,	,	PUNCT
cblr-14250	637	22	1908	1908	NUM
cblr-14250	637	23	;	;	PUNCT
cblr-14250	638	1	nat	nat	PROPN
cblr-14250	638	2	.	.	PUNCT
cblr-14250	639	1	bank	bank	PROPN
cblr-14250	639	2	examiner	examiner	NOUN
cblr-14250	639	3	at	at	ADP
cblr-14250	639	4	large	large	ADJ
cblr-14250	639	5	,	,	PUNCT
cblr-14250	639	6	wall	wall	PROPN
cblr-14250	639	7	st	st	PROPN
cblr-14250	639	8	.	.	PROPN
cblr-14250	639	9	j.	j.	PROPN
cblr-14250	639	10	,	,	PUNCT
cblr-14250	639	11	jan	jan	PROPN
cblr-14250	639	12	.	.	PROPN
cblr-14250	639	13	11	11	NUM
cblr-14250	639	14	,	,	PUNCT
cblr-14250	639	15	1909	1909	NUM
cblr-14250	639	16	;	;	PUNCT
cblr-14250	639	17	to	to	PART
cblr-14250	639	18	inform	inform	VERB
cblr-14250	639	19	bank	bank	NOUN
cblr-14250	639	20	examiners	examiner	NOUN
cblr-14250	639	21	,	,	PUNCT
cblr-14250	639	22	wall	wall	PROPN
cblr-14250	639	23	st	st	PROPN
cblr-14250	639	24	.	.	PROPN
cblr-14250	639	25	j.	j.	PROPN
cblr-14250	639	26	,	,	PUNCT
cblr-14250	639	27	may	may	AUX
cblr-14250	639	28	18	18	NUM
cblr-14250	639	29	,	,	PUNCT
cblr-14250	639	30	1910	1910	NUM
cblr-14250	639	31	;	;	PUNCT
cblr-14250	639	32	comptroller	comptroller	NOUN
cblr-14250	639	33	’s	’s	PART
cblr-14250	639	34	credit	credit	NOUN
cblr-14250	639	35	bureau	bureau	NOUN
cblr-14250	639	36	,	,	PUNCT
cblr-14250	639	37	wall	wall	PROPN
cblr-14250	639	38	st	st	PROPN
cblr-14250	639	39	.	.	PROPN
cblr-14250	639	40	j.	j.	PROPN
cblr-14250	639	41	,	,	PUNCT
cblr-14250	639	42	sept	sept	PROPN
cblr-14250	639	43	.	.	PROPN
cblr-14250	639	44	28	28	NUM
cblr-14250	639	45	,	,	PUNCT
cblr-14250	639	46	1910	1910	NUM
cblr-14250	639	47	;	;	PUNCT
cblr-14250	639	48	shakeup	shakeup	NOUN
cblr-14250	639	49	of	of	ADP
cblr-14250	639	50	bank	bank	NOUN
cblr-14250	639	51	examiners	examiner	NOUN
cblr-14250	639	52	,	,	PUNCT
cblr-14250	639	53	chi	chi	PROPN
cblr-14250	639	54	.	.	PUNCT
cblr-14250	640	1	daily	daily	PROPN
cblr-14250	640	2	trib	trib	PROPN
cblr-14250	640	3	.	.	PROPN
cblr-14250	640	4	,	,	PUNCT
cblr-14250	640	5	sept	sept	PROPN
cblr-14250	640	6	.	.	PROPN
cblr-14250	640	7	8	8	NUM
cblr-14250	640	8	,	,	PUNCT
cblr-14250	640	9	1910	1910	NUM
cblr-14250	640	10	.	.	PUNCT
cblr-14250	641	1	116	116	NUM
cblr-14250	641	2	see	see	VERB
cblr-14250	641	3	nicholas	nicholas	PROPN
cblr-14250	641	4	r.	r.	PROPN
cblr-14250	641	5	parrillo	parrillo	PROPN
cblr-14250	641	6	,	,	PUNCT
cblr-14250	641	7	against	against	ADP
cblr-14250	641	8	the	the	DET
cblr-14250	641	9	profit	profit	NOUN
cblr-14250	641	10	motive	motive	NOUN
cblr-14250	641	11	:	:	PUNCT
cblr-14250	641	12	the	the	DET
cblr-14250	641	13	salary	salary	NOUN
cblr-14250	641	14	revolution	revolution	NOUN
cblr-14250	641	15	in	in	ADP
cblr-14250	641	16	american	american	ADJ
cblr-14250	641	17	government	government	NOUN
cblr-14250	641	18	,	,	PUNCT
cblr-14250	641	19	1780–1940	1780–1940	NUM
cblr-14250	641	20	(	(	PUNCT
cblr-14250	641	21	2013	2013	NUM
cblr-14250	641	22	)	)	PUNCT
cblr-14250	641	23	.	.	PUNCT
cblr-14250	642	1	117	117	NUM
cblr-14250	642	2	j.	j.	PROPN
cblr-14250	642	3	lawrence	lawrence	PROPN
cblr-14250	642	4	broz	broz	PROPN
cblr-14250	642	5	,	,	PUNCT
cblr-14250	642	6	the	the	DET
cblr-14250	642	7	international	international	ADJ
cblr-14250	642	8	origins	origin	NOUN
cblr-14250	642	9	of	of	ADP
cblr-14250	642	10	the	the	DET
cblr-14250	642	11	federal	federal	PROPN
cblr-14250	642	12	reserve	reserve	PROPN
cblr-14250	642	13	(	(	PUNCT
cblr-14250	642	14	1997	1997	NUM
cblr-14250	642	15	)	)	PUNCT
cblr-14250	642	16	.	.	PUNCT
cblr-14250	643	1	no	no	INTJ
cblr-14250	643	2	.	.	NOUN
cblr-14250	643	3	1	1	NUM
cblr-14250	643	4	]	]	PUNCT
cblr-14250	643	5	risk	risk	NOUN
cblr-14250	643	6	,	,	PUNCT
cblr-14250	643	7	discretion	discretion	NOUN
cblr-14250	643	8	,	,	PUNCT
cblr-14250	643	9	and	and	CCONJ
cblr-14250	643	10	bank	bank	NOUN
cblr-14250	643	11	supervision	supervision	NOUN
cblr-14250	643	12	179	179	NUM
cblr-14250	643	13	examine	examine	VERB
cblr-14250	643	14	banks	bank	NOUN
cblr-14250	643	15	through	through	ADP
cblr-14250	643	16	the	the	DET
cblr-14250	643	17	comptroller	comptroller	NOUN
cblr-14250	643	18	itself	itself	PRON
cblr-14250	643	19	,	,	PUNCT
cblr-14250	643	20	through	through	ADP
cblr-14250	643	21	state	state	NOUN
cblr-14250	643	22	examiners	examiner	NOUN
cblr-14250	643	23	and	and	CCONJ
cblr-14250	643	24	through	through	ADP
cblr-14250	643	25	examiners	examiner	NOUN
cblr-14250	643	26	appointed	appoint	VERB
cblr-14250	643	27	by	by	ADP
cblr-14250	643	28	the	the	DET
cblr-14250	643	29	fed.118	fed.118	PROPN
cblr-14250	643	30	yet	yet	ADV
cblr-14250	643	31	,	,	PUNCT
cblr-14250	643	32	while	while	SCONJ
cblr-14250	643	33	the	the	DET
cblr-14250	643	34	fed	fed	PROPN
cblr-14250	643	35	could	could	AUX
cblr-14250	643	36	in	in	ADP
cblr-14250	643	37	theory	theory	NOUN
cblr-14250	643	38	examine	examine	VERB
cblr-14250	643	39	through	through	ADP
cblr-14250	643	40	these	these	DET
cblr-14250	643	41	existing	exist	VERB
cblr-14250	643	42	institutions	institution	NOUN
cblr-14250	643	43	,	,	PUNCT
cblr-14250	643	44	its	its	PRON
cblr-14250	643	45	supervisory	supervisory	ADJ
cblr-14250	643	46	objectives	objective	NOUN
cblr-14250	643	47	ran	run	VERB
cblr-14250	643	48	in	in	ADP
cblr-14250	643	49	different	different	ADJ
cblr-14250	643	50	directions	direction	NOUN
cblr-14250	643	51	from	from	ADP
cblr-14250	643	52	the	the	DET
cblr-14250	643	53	very	very	ADJ
cblr-14250	643	54	beginning	beginning	NOUN
cblr-14250	643	55	,	,	PUNCT
cblr-14250	643	56	as	as	SCONJ
cblr-14250	643	57	dictated	dictate	VERB
cblr-14250	643	58	by	by	ADP
cblr-14250	643	59	its	its	PRON
cblr-14250	643	60	core	core	NOUN
cblr-14250	643	61	risk	risk	NOUN
cblr-14250	643	62	management	management	NOUN
cblr-14250	643	63	tool	tool	NOUN
cblr-14250	643	64	—	—	PUNCT
cblr-14250	643	65	namely	namely	ADV
cblr-14250	643	66	,	,	PUNCT
cblr-14250	643	67	its	its	PRON
cblr-14250	643	68	balance	balance	NOUN
cblr-14250	643	69	sheet	sheet	NOUN
cblr-14250	643	70	(	(	PUNCT
cblr-14250	643	71	or	or	CCONJ
cblr-14250	643	72	,	,	PUNCT
cblr-14250	643	73	more	more	ADV
cblr-14250	643	74	precisely	precisely	ADV
cblr-14250	643	75	,	,	PUNCT
cblr-14250	643	76	the	the	DET
cblr-14250	643	77	balance	balance	NOUN
cblr-14250	643	78	sheets	sheet	NOUN
cblr-14250	643	79	of	of	ADP
cblr-14250	643	80	the	the	DET
cblr-14250	643	81	individual	individual	ADJ
cblr-14250	643	82	federal	federal	PROPN
cblr-14250	643	83	reserve	reserve	PROPN
cblr-14250	643	84	banks	bank	NOUN
cblr-14250	643	85	)	)	PUNCT
cblr-14250	643	86	.	.	PUNCT
cblr-14250	644	1	in	in	ADP
cblr-14250	644	2	1918	1918	NUM
cblr-14250	644	3	,	,	PUNCT
cblr-14250	644	4	the	the	DET
cblr-14250	644	5	board	board	NOUN
cblr-14250	644	6	laid	lay	VERB
cblr-14250	644	7	out	out	ADP
cblr-14250	644	8	a	a	DET
cblr-14250	644	9	simple	simple	ADJ
cblr-14250	644	10	examination	examination	NOUN
cblr-14250	644	11	philosophy	philosophy	NOUN
cblr-14250	644	12	:	:	PUNCT
cblr-14250	644	13	“	"	PUNCT
cblr-14250	644	14	the	the	DET
cblr-14250	644	15	primary	primary	ADJ
cblr-14250	644	16	object	object	NOUN
cblr-14250	644	17	of	of	ADP
cblr-14250	644	18	federal	federal	PROPN
cblr-14250	644	19	reserve	reserve	NOUN
cblr-14250	644	20	examinations	examination	NOUN
cblr-14250	644	21	will	will	AUX
cblr-14250	644	22	be	be	AUX
cblr-14250	644	23	to	to	PART
cblr-14250	644	24	obtain	obtain	VERB
cblr-14250	644	25	more	more	ADV
cblr-14250	644	26	detailed	detailed	ADJ
cblr-14250	644	27	information	information	NOUN
cblr-14250	644	28	as	as	ADP
cblr-14250	644	29	to	to	ADP
cblr-14250	644	30	credits	credit	NOUN
cblr-14250	644	31	.	.	PUNCT
cblr-14250	645	1	”119	”119	NOUN
cblr-14250	645	2	this	this	PRON
cblr-14250	645	3	was	be	AUX
cblr-14250	645	4	not	not	PART
cblr-14250	645	5	,	,	PUNCT
cblr-14250	645	6	then	then	ADV
cblr-14250	645	7	,	,	PUNCT
cblr-14250	645	8	visitorial	visitorial	ADJ
cblr-14250	645	9	power	power	NOUN
cblr-14250	645	10	derived	derive	VERB
cblr-14250	645	11	from	from	ADP
cblr-14250	645	12	the	the	DET
cblr-14250	645	13	sovereign	sovereign	ADJ
cblr-14250	645	14	chartering	chartering	NOUN
cblr-14250	645	15	authority	authority	NOUN
cblr-14250	645	16	;	;	PUNCT
cblr-14250	645	17	rather	rather	ADV
cblr-14250	645	18	,	,	PUNCT
cblr-14250	645	19	it	it	PRON
cblr-14250	645	20	was	be	AUX
cblr-14250	645	21	a	a	DET
cblr-14250	645	22	form	form	NOUN
cblr-14250	645	23	of	of	ADP
cblr-14250	645	24	private	private	ADJ
cblr-14250	645	25	risk	risk	NOUN
cblr-14250	645	26	management	management	NOUN
cblr-14250	645	27	,	,	PUNCT
cblr-14250	645	28	aimed	aim	VERB
cblr-14250	645	29	at	at	ADP
cblr-14250	645	30	protecting	protect	VERB
cblr-14250	645	31	the	the	DET
cblr-14250	645	32	balance	balance	NOUN
cblr-14250	645	33	sheets	sheet	NOUN
cblr-14250	645	34	of	of	ADP
cblr-14250	645	35	the	the	DET
cblr-14250	645	36	reserve	reserve	NOUN
cblr-14250	645	37	banks	bank	NOUN
cblr-14250	645	38	from	from	ADP
cblr-14250	645	39	credit	credit	NOUN
cblr-14250	645	40	risk	risk	NOUN
cblr-14250	645	41	,	,	PUNCT
cblr-14250	645	42	rather	rather	ADV
cblr-14250	645	43	than	than	ADP
cblr-14250	645	44	policing	police	VERB
cblr-14250	645	45	bank	bank	NOUN
cblr-14250	645	46	compliance	compliance	NOUN
cblr-14250	645	47	with	with	ADP
cblr-14250	645	48	chartering	charter	VERB
cblr-14250	645	49	provisions	provision	NOUN
cblr-14250	645	50	.	.	PUNCT
cblr-14250	646	1	nevertheless	nevertheless	ADV
cblr-14250	646	2	,	,	PUNCT
cblr-14250	646	3	congress	congress	PROPN
cblr-14250	646	4	empowered	empower	VERB
cblr-14250	646	5	the	the	DET
cblr-14250	646	6	fed	fed	PROPN
cblr-14250	646	7	not	not	PART
cblr-14250	646	8	only	only	ADV
cblr-14250	646	9	to	to	PART
cblr-14250	646	10	examine	examine	VERB
cblr-14250	646	11	bank	bank	NOUN
cblr-14250	646	12	assets	asset	NOUN
cblr-14250	646	13	when	when	SCONJ
cblr-14250	646	14	presented	present	VERB
cblr-14250	646	15	for	for	ADP
cblr-14250	646	16	rediscount	rediscount	NOUN
cblr-14250	646	17	,	,	PUNCT
cblr-14250	646	18	but	but	CCONJ
cblr-14250	646	19	also	also	ADV
cblr-14250	646	20	to	to	PART
cblr-14250	646	21	use	use	VERB
cblr-14250	646	22	the	the	DET
cblr-14250	646	23	visitorial	visitorial	ADJ
cblr-14250	646	24	power	power	NOUN
cblr-14250	646	25	of	of	ADP
cblr-14250	646	26	examination	examination	NOUN
cblr-14250	646	27	to	to	PART
cblr-14250	646	28	proactively	proactively	ADV
cblr-14250	646	29	monitor	monitor	VERB
cblr-14250	646	30	bank	bank	NOUN
cblr-14250	646	31	behavior	behavior	NOUN
cblr-14250	646	32	long	long	ADV
cblr-14250	646	33	before	before	SCONJ
cblr-14250	646	34	the	the	DET
cblr-14250	646	35	fed	fed	PROPN
cblr-14250	646	36	pulled	pull	VERB
cblr-14250	646	37	private	private	ADJ
cblr-14250	646	38	risk	risk	NOUN
cblr-14250	646	39	onto	onto	ADP
cblr-14250	646	40	its	its	PRON
cblr-14250	646	41	quasi	quasi	ADJ
cblr-14250	646	42	-	-	ADJ
cblr-14250	646	43	public	public	ADJ
cblr-14250	646	44	balance	balance	NOUN
cblr-14250	646	45	sheet	sheet	NOUN
cblr-14250	646	46	.	.	PUNCT
cblr-14250	647	1	thus	thus	ADV
cblr-14250	647	2	,	,	PUNCT
cblr-14250	647	3	after	after	ADP
cblr-14250	647	4	the	the	DET
cblr-14250	647	5	founding	founding	NOUN
cblr-14250	647	6	of	of	ADP
cblr-14250	647	7	the	the	DET
cblr-14250	647	8	federal	federal	PROPN
cblr-14250	647	9	reserve	reserve	PROPN
cblr-14250	647	10	system	system	NOUN
cblr-14250	647	11	,	,	PUNCT
cblr-14250	647	12	the	the	DET
cblr-14250	647	13	state	state	NOUN
cblr-14250	647	14	of	of	ADP
cblr-14250	647	15	bank	bank	NOUN
cblr-14250	647	16	supervision	supervision	NOUN
cblr-14250	647	17	consisted	consist	VERB
cblr-14250	647	18	as	as	SCONJ
cblr-14250	647	19	follows	follow	VERB
cblr-14250	647	20	.	.	PUNCT
cblr-14250	648	1	the	the	DET
cblr-14250	648	2	comptroller	comptroller	NOUN
cblr-14250	648	3	of	of	ADP
cblr-14250	648	4	the	the	DET
cblr-14250	648	5	currency	currency	NOUN
cblr-14250	648	6	’s	’s	PART
cblr-14250	648	7	corps	corps	NOUN
cblr-14250	648	8	of	of	ADP
cblr-14250	648	9	bank	bank	NOUN
cblr-14250	648	10	examiners	examiner	NOUN
cblr-14250	648	11	,	,	PUNCT
cblr-14250	648	12	now	now	ADV
cblr-14250	648	13	mostly	mostly	ADV
cblr-14250	648	14	independent	independent	ADJ
cblr-14250	648	15	of	of	ADP
cblr-14250	648	16	the	the	DET
cblr-14250	648	17	clearinghouses	clearinghouse	NOUN
cblr-14250	648	18	,	,	PUNCT
cblr-14250	648	19	was	be	AUX
cblr-14250	648	20	professional	professional	ADJ
cblr-14250	648	21	,	,	PUNCT
cblr-14250	648	22	salaried	salary	VERB
cblr-14250	648	23	,	,	PUNCT
cblr-14250	648	24	and	and	CCONJ
cblr-14250	648	25	managing	manage	VERB
cblr-14250	648	26	themselves	themselves	PRON
cblr-14250	648	27	in	in	ADP
cblr-14250	648	28	the	the	DET
cblr-14250	648	29	space	space	NOUN
cblr-14250	648	30	between	between	ADP
cblr-14250	648	31	the	the	DET
cblr-14250	648	32	public	public	ADJ
cblr-14250	648	33	and	and	CCONJ
cblr-14250	648	34	private	private	ADJ
cblr-14250	648	35	financial	financial	ADJ
cblr-14250	648	36	system	system	NOUN
cblr-14250	648	37	.	.	PUNCT
cblr-14250	649	1	states	state	NOUN
cblr-14250	649	2	throughout	throughout	ADP
cblr-14250	649	3	the	the	DET
cblr-14250	649	4	country	country	NOUN
cblr-14250	649	5	had	have	AUX
cblr-14250	649	6	largely	largely	ADV
cblr-14250	649	7	adopted	adopt	VERB
cblr-14250	649	8	the	the	DET
cblr-14250	649	9	comptroller	comptroller	NOUN
cblr-14250	649	10	’s	’s	PART
cblr-14250	649	11	model	model	NOUN
cblr-14250	649	12	of	of	ADP
cblr-14250	649	13	open	open	ADJ
cblr-14250	649	14	chartering	chartering	NOUN
cblr-14250	649	15	and	and	CCONJ
cblr-14250	649	16	bank	bank	NOUN
cblr-14250	649	17	examination.120	examination.120	PROPN
cblr-14250	650	1	this	this	PRON
cblr-14250	650	2	was	be	AUX
cblr-14250	650	3	a	a	DET
cblr-14250	650	4	coordinated	coordinated	ADJ
cblr-14250	650	5	118	118	NUM
cblr-14250	650	6	federal	federal	PROPN
cblr-14250	650	7	reserve	reserve	PROPN
cblr-14250	650	8	act	act	PROPN
cblr-14250	650	9	of	of	ADP
cblr-14250	650	10	1913	1913	NUM
cblr-14250	650	11	,	,	PUNCT
cblr-14250	650	12	12	12	NUM
cblr-14250	650	13	u.s.c	u.s.c	ADJ
cblr-14250	650	14	.	.	PUNCT
cblr-14250	651	1	§	§	PROPN
cblr-14250	651	2	481	481	NUM
cblr-14250	651	3	.	.	PUNCT
cblr-14250	651	4	119	119	NUM
cblr-14250	651	5	letter	letter	NOUN
cblr-14250	651	6	from	from	ADP
cblr-14250	651	7	warren	warren	PROPN
cblr-14250	651	8	p.	p.	PROPN
cblr-14250	651	9	g.	g.	PROPN
cblr-14250	651	10	harding	harding	PROPN
cblr-14250	651	11	,	,	PUNCT
cblr-14250	651	12	fed	fed	PROPN
cblr-14250	651	13	.	.	PUNCT
cblr-14250	651	14	reserve	reserve	PROPN
cblr-14250	651	15	governor	governor	NOUN
cblr-14250	651	16	,	,	PUNCT
cblr-14250	651	17	to	to	ADP
cblr-14250	651	18	carter	carter	NOUN
cblr-14250	651	19	glass	glass	NOUN
cblr-14250	651	20	,	,	PUNCT
cblr-14250	651	21	fed	fed	PROPN
cblr-14250	651	22	.	.	PUNCT
cblr-14250	651	23	reserve	reserve	PROPN
cblr-14250	651	24	chairman	chairman	NOUN
cblr-14250	651	25	,	,	PUNCT
cblr-14250	651	26	regarding	regard	VERB
cblr-14250	651	27	the	the	DET
cblr-14250	651	28	department	department	NOUN
cblr-14250	651	29	of	of	ADP
cblr-14250	651	30	examination	examination	NOUN
cblr-14250	651	31	,	,	PUNCT
cblr-14250	651	32	no	no	INTJ
cblr-14250	651	33	.	.	PUNCT
cblr-14250	652	1	x-1327	x-1327	ADJ
cblr-14250	652	2	,	,	PUNCT
cblr-14250	652	3	9	9	NUM
cblr-14250	652	4	mimeograph	mimeograph	NOUN
cblr-14250	652	5	letters	letter	NOUN
cblr-14250	652	6	and	and	CCONJ
cblr-14250	652	7	statements	statement	NOUN
cblr-14250	652	8	of	of	ADP
cblr-14250	652	9	the	the	DET
cblr-14250	652	10	board	board	NOUN
cblr-14250	652	11	143	143	PROPN
cblr-14250	652	12	(	(	PUNCT
cblr-14250	652	13	dec	dec	PROPN
cblr-14250	652	14	.	.	PROPN
cblr-14250	652	15	23	23	NUM
cblr-14250	652	16	,	,	PUNCT
cblr-14250	652	17	1918	1918	NUM
cblr-14250	652	18	)	)	PUNCT
cblr-14250	652	19	,	,	PUNCT
cblr-14250	652	20	on	on	ADP
cblr-14250	652	21	file	file	NOUN
cblr-14250	652	22	with	with	ADP
cblr-14250	652	23	fraser	fraser	NOUN
cblr-14250	652	24	,	,	PUNCT
cblr-14250	652	25	https://fraser.stlouisfed.org/archivalcollection/mimeograph-letters-statements-board4957/letter-governor-redepartment-examination-federal-reserve-banks-512234	https://fraser.stlouisfed.org/archivalcollection/mimeograph-letters-statements-board4957/letter-governor-redepartment-examination-federal-reserve-banks-512234	VERB
cblr-14250	653	1	[	[	X
cblr-14250	653	2	https://perma.cc/aq6l-cmcs	https://perma.cc/aq6l-cmcs	NOUN
cblr-14250	653	3	]	]	PUNCT
cblr-14250	653	4	.	.	PUNCT
cblr-14250	654	1	120	120	NUM
cblr-14250	654	2	see	see	VERB
cblr-14250	654	3	george	george	PROPN
cblr-14250	654	4	barnett	barnett	PROPN
cblr-14250	654	5	,	,	PUNCT
cblr-14250	654	6	nat’l	nat’l	NOUN
cblr-14250	654	7	monetary	monetary	ADJ
cblr-14250	654	8	comm’n	comm’n	NOUN
cblr-14250	654	9	,	,	PUNCT
cblr-14250	654	10	state	state	NOUN
cblr-14250	654	11	banks	bank	NOUN
cblr-14250	654	12	and	and	CCONJ
cblr-14250	654	13	trust	trust	NOUN
cblr-14250	654	14	companies	company	NOUN
cblr-14250	654	15	since	since	SCONJ
cblr-14250	654	16	the	the	DET
cblr-14250	654	17	passage	passage	NOUN
cblr-14250	654	18	of	of	ADP
cblr-14250	654	19	the	the	DET
cblr-14250	654	20	national	national	ADJ
cblr-14250	654	21	-	-	PUNCT
cblr-14250	654	22	bank	bank	NOUN
cblr-14250	654	23	act	act	NOUN
cblr-14250	654	24	,	,	PUNCT
cblr-14250	654	25	61st	61st	PROPN
cblr-14250	654	26	cong	cong	PROPN
cblr-14250	654	27	.	.	PROPN
cblr-14250	654	28	,	,	PUNCT
cblr-14250	654	29	s.	s.	PROPN
cblr-14250	654	30	doc	doc	PROPN
cblr-14250	654	31	.	.	PUNCT
cblr-14250	655	1	no	no	INTJ
cblr-14250	655	2	.	.	NOUN
cblr-14250	656	1	61	61	NUM
cblr-14250	656	2	-	-	SYM
cblr-14250	656	3	659	659	NUM
cblr-14250	656	4	(	(	PUNCT
cblr-14250	656	5	1911	1911	NUM
cblr-14250	656	6	)	)	PUNCT
cblr-14250	656	7	.	.	PUNCT
cblr-14250	657	1	180	180	NUM
cblr-14250	657	2	columbia	columbia	PROPN
cblr-14250	657	3	business	business	NOUN
cblr-14250	657	4	law	law	PROPN
cblr-14250	657	5	review	review	NOUN
cblr-14250	657	6	[	[	X
cblr-14250	657	7	vol	vol	NOUN
cblr-14250	657	8	.	.	PUNCT
cblr-14250	657	9	2025	2025	NUM
cblr-14250	657	10	effort	effort	NOUN
cblr-14250	657	11	:	:	PUNCT
cblr-14250	657	12	in	in	ADP
cblr-14250	657	13	1902	1902	NUM
cblr-14250	657	14	,	,	PUNCT
cblr-14250	657	15	the	the	DET
cblr-14250	657	16	states	state	NOUN
cblr-14250	657	17	founded	found	VERB
cblr-14250	657	18	the	the	DET
cblr-14250	657	19	national	national	PROPN
cblr-14250	657	20	association	association	PROPN
cblr-14250	657	21	of	of	ADP
cblr-14250	657	22	supervisors	supervisor	NOUN
cblr-14250	657	23	of	of	ADP
cblr-14250	657	24	state	state	NOUN
cblr-14250	657	25	banks	bank	NOUN
cblr-14250	657	26	,	,	PUNCT
cblr-14250	657	27	an	an	DET
cblr-14250	657	28	organization	organization	NOUN
cblr-14250	657	29	designed	design	VERB
cblr-14250	657	30	to	to	PART
cblr-14250	657	31	coordinate	coordinate	VERB
cblr-14250	657	32	state	state	NOUN
cblr-14250	657	33	bank	bank	NOUN
cblr-14250	657	34	supervisory	supervisory	ADJ
cblr-14250	657	35	efforts	effort	NOUN
cblr-14250	657	36	against	against	ADP
cblr-14250	657	37	the	the	DET
cblr-14250	657	38	threat	threat	NOUN
cblr-14250	657	39	of	of	ADP
cblr-14250	657	40	national	national	PROPN
cblr-14250	657	41	bank	bank	PROPN
cblr-14250	657	42	dominance.121	dominance.121	ADJ
cblr-14250	657	43	with	with	ADP
cblr-14250	657	44	the	the	DET
cblr-14250	657	45	advent	advent	NOUN
cblr-14250	657	46	of	of	ADP
cblr-14250	657	47	the	the	DET
cblr-14250	657	48	federal	federal	PROPN
cblr-14250	657	49	reserve	reserve	PROPN
cblr-14250	657	50	system	system	NOUN
cblr-14250	657	51	,	,	PUNCT
cblr-14250	657	52	these	these	DET
cblr-14250	657	53	two	two	NUM
cblr-14250	657	54	communities	community	NOUN
cblr-14250	657	55	of	of	ADP
cblr-14250	657	56	examiners	examiner	NOUN
cblr-14250	657	57	,	,	PUNCT
cblr-14250	657	58	state	state	NOUN
cblr-14250	657	59	and	and	CCONJ
cblr-14250	657	60	federal	federal	ADJ
cblr-14250	657	61	,	,	PUNCT
cblr-14250	657	62	were	be	AUX
cblr-14250	657	63	joined	join	VERB
cblr-14250	657	64	by	by	ADP
cblr-14250	657	65	a	a	DET
cblr-14250	657	66	third	third	ADV
cblr-14250	657	67	wedged	wedge	VERB
cblr-14250	657	68	between	between	ADP
cblr-14250	657	69	them.122	them.122	NOUN
cblr-14250	657	70	the	the	DET
cblr-14250	657	71	fed	fed	PROPN
cblr-14250	657	72	’s	’s	PART
cblr-14250	657	73	examiners	examiner	NOUN
cblr-14250	657	74	,	,	PUNCT
cblr-14250	657	75	at	at	ADP
cblr-14250	657	76	this	this	DET
cblr-14250	657	77	early	early	ADJ
cblr-14250	657	78	stage	stage	NOUN
cblr-14250	657	79	,	,	PUNCT
cblr-14250	657	80	relied	rely	VERB
cblr-14250	657	81	on	on	ADP
cblr-14250	657	82	the	the	DET
cblr-14250	657	83	examination	examination	NOUN
cblr-14250	657	84	efforts	effort	NOUN
cblr-14250	657	85	of	of	ADP
cblr-14250	657	86	both	both	DET
cblr-14250	657	87	state	state	NOUN
cblr-14250	657	88	and	and	CCONJ
cblr-14250	657	89	national	national	ADJ
cblr-14250	657	90	bank	bank	NOUN
cblr-14250	657	91	examiners	examiner	NOUN
cblr-14250	657	92	and	and	CCONJ
cblr-14250	657	93	introduced	introduce	VERB
cblr-14250	657	94	their	their	PRON
cblr-14250	657	95	own	own	ADJ
cblr-14250	657	96	corps	corp	NOUN
cblr-14250	657	97	as	as	ADV
cblr-14250	657	98	well	well	ADV
cblr-14250	657	99	.	.	PUNCT
cblr-14250	658	1	things	thing	NOUN
cblr-14250	658	2	did	do	AUX
cblr-14250	658	3	not	not	PART
cblr-14250	658	4	go	go	VERB
cblr-14250	658	5	smoothly	smoothly	ADV
cblr-14250	658	6	with	with	ADP
cblr-14250	658	7	that	that	DET
cblr-14250	658	8	division	division	NOUN
cblr-14250	658	9	of	of	ADP
cblr-14250	658	10	labor	labor	NOUN
cblr-14250	658	11	.	.	PUNCT
cblr-14250	659	1	one	one	NUM
cblr-14250	659	2	node	node	NOUN
cblr-14250	659	3	of	of	ADP
cblr-14250	659	4	conflict	conflict	NOUN
cblr-14250	659	5	centered	center	VERB
cblr-14250	659	6	on	on	ADP
cblr-14250	659	7	when	when	SCONJ
cblr-14250	659	8	and	and	CCONJ
cblr-14250	659	9	how	how	SCONJ
cblr-14250	659	10	the	the	DET
cblr-14250	659	11	federal	federal	PROPN
cblr-14250	659	12	reserve	reserve	PROPN
cblr-14250	659	13	board	board	PROPN
cblr-14250	659	14	and	and	CCONJ
cblr-14250	659	15	the	the	DET
cblr-14250	659	16	federal	federal	PROPN
cblr-14250	659	17	reserve	reserve	PROPN
cblr-14250	659	18	banks	bank	NOUN
cblr-14250	659	19	should	should	AUX
cblr-14250	659	20	have	have	VERB
cblr-14250	659	21	access	access	NOUN
cblr-14250	659	22	to	to	ADP
cblr-14250	659	23	the	the	DET
cblr-14250	659	24	detailed	detailed	ADJ
cblr-14250	659	25	information	information	NOUN
cblr-14250	659	26	about	about	ADP
cblr-14250	659	27	individual	individual	ADJ
cblr-14250	659	28	banks	bank	NOUN
cblr-14250	659	29	’	'	PUNCT
cblr-14250	659	30	businesses	business	NOUN
cblr-14250	659	31	collected	collect	VERB
cblr-14250	659	32	through	through	ADP
cblr-14250	659	33	the	the	DET
cblr-14250	659	34	comptroller	comptroller	NOUN
cblr-14250	659	35	’s	’s	PART
cblr-14250	659	36	examination	examination	NOUN
cblr-14250	659	37	reports	report	NOUN
cblr-14250	659	38	.	.	PUNCT
cblr-14250	660	1	most	most	ADJ
cblr-14250	660	2	of	of	ADP
cblr-14250	660	3	the	the	DET
cblr-14250	660	4	directors	director	NOUN
cblr-14250	660	5	of	of	ADP
cblr-14250	660	6	the	the	DET
cblr-14250	660	7	federal	federal	PROPN
cblr-14250	660	8	reserve	reserve	PROPN
cblr-14250	660	9	banks	bank	NOUN
cblr-14250	660	10	were	be	AUX
cblr-14250	660	11	themselves	themselves	PRON
cblr-14250	660	12	bankers	banker	NOUN
cblr-14250	660	13	,	,	PUNCT
cblr-14250	660	14	or	or	CCONJ
cblr-14250	660	15	close	close	ADJ
cblr-14250	660	16	associates	associate	NOUN
cblr-14250	660	17	of	of	ADP
cblr-14250	660	18	bankers	banker	NOUN
cblr-14250	660	19	.	.	PUNCT
cblr-14250	661	1	indeed	indeed	ADV
cblr-14250	661	2	,	,	PUNCT
cblr-14250	661	3	congress	congress	PROPN
cblr-14250	661	4	designed	design	VERB
cblr-14250	661	5	these	these	DET
cblr-14250	661	6	curious	curious	ADJ
cblr-14250	661	7	institutions	institution	NOUN
cblr-14250	661	8	to	to	PART
cblr-14250	661	9	allow	allow	VERB
cblr-14250	661	10	member	member	NOUN
cblr-14250	661	11	banks	bank	NOUN
cblr-14250	661	12	to	to	PART
cblr-14250	661	13	fill	fill	VERB
cblr-14250	661	14	two	two	NUM
cblr-14250	661	15	-	-	PUNCT
cblr-14250	661	16	thirds	third	NOUN
cblr-14250	661	17	of	of	ADP
cblr-14250	661	18	the	the	DET
cblr-14250	661	19	board	board	NOUN
cblr-14250	661	20	seats	seat	NOUN
cblr-14250	661	21	.	.	PUNCT
cblr-14250	662	1	even	even	ADV
cblr-14250	662	2	the	the	DET
cblr-14250	662	3	other	other	ADJ
cblr-14250	662	4	third	third	NOUN
cblr-14250	662	5	,	,	PUNCT
cblr-14250	662	6	filled	fill	VERB
cblr-14250	662	7	by	by	ADP
cblr-14250	662	8	the	the	DET
cblr-14250	662	9	federal	federal	PROPN
cblr-14250	662	10	reserve	reserve	PROPN
cblr-14250	662	11	board	board	PROPN
cblr-14250	662	12	,	,	PUNCT
cblr-14250	662	13	had	have	VERB
cblr-14250	662	14	to	to	PART
cblr-14250	662	15	include	include	VERB
cblr-14250	662	16	two	two	NUM
cblr-14250	662	17	of	of	ADP
cblr-14250	662	18	three	three	NUM
cblr-14250	662	19	members	member	NOUN
cblr-14250	662	20	with	with	ADP
cblr-14250	662	21	“	"	PUNCT
cblr-14250	662	22	tested	test	VERB
cblr-14250	662	23	banking	banking	NOUN
cblr-14250	662	24	experience	experience	NOUN
cblr-14250	662	25	.	.	PUNCT
cblr-14250	663	1	”123	”123	VERB
cblr-14250	663	2	the	the	DET
cblr-14250	663	3	federal	federal	PROPN
cblr-14250	663	4	reserve	reserve	NOUN
cblr-14250	663	5	system	system	NOUN
cblr-14250	663	6	was	be	AUX
cblr-14250	663	7	built	build	VERB
cblr-14250	663	8	by	by	ADP
cblr-14250	663	9	politicians	politician	NOUN
cblr-14250	663	10	,	,	PUNCT
cblr-14250	663	11	largely	largely	ADV
cblr-14250	663	12	for	for	ADP
cblr-14250	663	13	the	the	DET
cblr-14250	663	14	benefit	benefit	NOUN
cblr-14250	663	15	and	and	CCONJ
cblr-14250	663	16	with	with	ADP
cblr-14250	663	17	the	the	DET
cblr-14250	663	18	close	close	ADJ
cblr-14250	663	19	participation	participation	NOUN
cblr-14250	663	20	of	of	ADP
cblr-14250	663	21	bankers.124	bankers.124	NOUN
cblr-14250	663	22	this	this	DET
cblr-14250	663	23	proximity	proximity	NOUN
cblr-14250	663	24	created	create	VERB
cblr-14250	663	25	a	a	DET
cblr-14250	663	26	problem	problem	NOUN
cblr-14250	663	27	for	for	ADP
cblr-14250	663	28	bank	bank	NOUN
cblr-14250	663	29	supervision	supervision	NOUN
cblr-14250	663	30	,	,	PUNCT
cblr-14250	663	31	given	give	VERB
cblr-14250	663	32	the	the	DET
cblr-14250	663	33	sensitive	sensitive	ADJ
cblr-14250	663	34	121	121	NUM
cblr-14250	663	35	nat’l	nat’l	NOUN
cblr-14250	663	36	ass’n	ass’n	NOUN
cblr-14250	663	37	of	of	ADP
cblr-14250	663	38	supervisors	supervisor	NOUN
cblr-14250	663	39	of	of	ADP
cblr-14250	663	40	state	state	NOUN
cblr-14250	663	41	banks	bank	NOUN
cblr-14250	663	42	,	,	PUNCT
cblr-14250	663	43	proceedings	proceeding	NOUN
cblr-14250	663	44	of	of	ADP
cblr-14250	663	45	the	the	DET
cblr-14250	663	46	fourth	fourth	ADJ
cblr-14250	663	47	annual	annual	ADJ
cblr-14250	663	48	convention	convention	NOUN
cblr-14250	663	49	of	of	ADP
cblr-14250	663	50	the	the	DET
cblr-14250	663	51	national	national	PROPN
cblr-14250	663	52	association	association	PROPN
cblr-14250	663	53	of	of	ADP
cblr-14250	663	54	supervisors	supervisor	NOUN
cblr-14250	663	55	of	of	ADP
cblr-14250	663	56	state	state	NOUN
cblr-14250	663	57	banks	bank	NOUN
cblr-14250	663	58	,	,	PUNCT
cblr-14250	663	59	at	at	ADP
cblr-14250	663	60	iv	iv	PROPN
cblr-14250	663	61	(	(	PUNCT
cblr-14250	663	62	madison	madison	PROPN
cblr-14250	663	63	,	,	PUNCT
cblr-14250	663	64	wis	wis	PROPN
cblr-14250	663	65	.	.	PUNCT
cblr-14250	663	66	:	:	PUNCT
cblr-14250	664	1	democrat	democrat	PROPN
cblr-14250	664	2	printing	printing	PROPN
cblr-14250	664	3	co.	co.	PROPN
cblr-14250	664	4	1905	1905	NUM
cblr-14250	664	5	)	)	PUNCT
cblr-14250	664	6	.	.	PUNCT
cblr-14250	665	1	this	this	DET
cblr-14250	665	2	organization	organization	NOUN
cblr-14250	665	3	is	be	AUX
cblr-14250	665	4	now	now	ADV
cblr-14250	665	5	the	the	DET
cblr-14250	665	6	conference	conference	NOUN
cblr-14250	665	7	of	of	ADP
cblr-14250	665	8	state	state	PROPN
cblr-14250	665	9	bank	bank	NOUN
cblr-14250	665	10	supervisors	supervisor	NOUN
cblr-14250	665	11	.	.	PUNCT
cblr-14250	666	1	122	122	NUM
cblr-14250	666	2	before	before	ADP
cblr-14250	666	3	the	the	DET
cblr-14250	666	4	founding	founding	NOUN
cblr-14250	666	5	of	of	ADP
cblr-14250	666	6	the	the	DET
cblr-14250	666	7	federal	federal	PROPN
cblr-14250	666	8	reserve	reserve	PROPN
cblr-14250	666	9	,	,	PUNCT
cblr-14250	666	10	city	city	NOUN
cblr-14250	666	11	clearinghouses	clearinghouse	NOUN
cblr-14250	666	12	also	also	ADV
cblr-14250	666	13	undertook	undertake	VERB
cblr-14250	666	14	supervision	supervision	NOUN
cblr-14250	666	15	of	of	ADP
cblr-14250	666	16	member	member	NOUN
cblr-14250	666	17	banks	bank	NOUN
cblr-14250	666	18	.	.	PUNCT
cblr-14250	667	1	like	like	ADP
cblr-14250	667	2	formal	formal	ADJ
cblr-14250	667	3	government	government	NOUN
cblr-14250	667	4	oversight	oversight	NOUN
cblr-14250	667	5	,	,	PUNCT
cblr-14250	667	6	these	these	DET
cblr-14250	667	7	practices	practice	NOUN
cblr-14250	667	8	evolved	evolve	VERB
cblr-14250	667	9	from	from	ADP
cblr-14250	667	10	an	an	DET
cblr-14250	667	11	ad	ad	NOUN
cblr-14250	667	12	hoc	hoc	X
cblr-14250	667	13	system	system	NOUN
cblr-14250	667	14	performed	perform	VERB
cblr-14250	667	15	by	by	ADP
cblr-14250	667	16	bankers	banker	NOUN
cblr-14250	667	17	to	to	ADP
cblr-14250	667	18	a	a	DET
cblr-14250	667	19	formal	formal	ADJ
cblr-14250	667	20	system	system	NOUN
cblr-14250	667	21	enacted	enact	VERB
cblr-14250	667	22	by	by	ADP
cblr-14250	667	23	salaried	salary	VERB
cblr-14250	667	24	,	,	PUNCT
cblr-14250	667	25	independent	independent	ADJ
cblr-14250	667	26	examiners	examiner	NOUN
cblr-14250	667	27	.	.	PUNCT
cblr-14250	668	1	the	the	DET
cblr-14250	668	2	chicago	chicago	PROPN
cblr-14250	668	3	clearinghouse	clearinghouse	NOUN
cblr-14250	668	4	was	be	AUX
cblr-14250	668	5	the	the	DET
cblr-14250	668	6	first	first	ADJ
cblr-14250	668	7	to	to	PART
cblr-14250	668	8	hire	hire	VERB
cblr-14250	668	9	a	a	DET
cblr-14250	668	10	dedicated	dedicated	ADJ
cblr-14250	668	11	examiner	examiner	NOUN
cblr-14250	668	12	in	in	ADP
cblr-14250	668	13	1907	1907	NUM
cblr-14250	668	14	,	,	PUNCT
cblr-14250	668	15	and	and	CCONJ
cblr-14250	668	16	it	it	PRON
cblr-14250	668	17	was	be	AUX
cblr-14250	668	18	soon	soon	ADV
cblr-14250	668	19	followed	follow	VERB
cblr-14250	668	20	by	by	ADP
cblr-14250	668	21	others	other	NOUN
cblr-14250	668	22	.	.	PUNCT
cblr-14250	669	1	see	see	VERB
cblr-14250	669	2	james	james	PROPN
cblr-14250	669	3	g.	g.	PROPN
cblr-14250	669	4	cannon	cannon	PROPN
cblr-14250	669	5	,	,	PUNCT
cblr-14250	669	6	nat’l	nat’l	NOUN
cblr-14250	669	7	monetary	monetary	ADJ
cblr-14250	669	8	comm’n	comm’n	NOUN
cblr-14250	669	9	,	,	PUNCT
cblr-14250	669	10	clearing	clearing	NOUN
cblr-14250	669	11	-	-	PUNCT
cblr-14250	669	12	houses	house	NOUN
cblr-14250	669	13	137	137	NUM
cblr-14250	669	14	,	,	PUNCT
cblr-14250	669	15	61st	61st	ADJ
cblr-14250	669	16	cong	cong	NOUN
cblr-14250	669	17	.	.	PROPN
cblr-14250	669	18	,	,	PUNCT
cblr-14250	669	19	s.	s.	PROPN
cblr-14250	669	20	doc	doc	PROPN
cblr-14250	669	21	.	.	PUNCT
cblr-14250	670	1	no	no	INTJ
cblr-14250	670	2	.	.	NOUN
cblr-14250	671	1	61	61	NUM
cblr-14250	671	2	-	-	SYM
cblr-14250	671	3	491	491	NUM
cblr-14250	671	4	(	(	PUNCT
cblr-14250	671	5	1910	1910	NUM
cblr-14250	671	6	)	)	PUNCT
cblr-14250	671	7	.	.	PUNCT
cblr-14250	672	1	123	123	NUM
cblr-14250	672	2	the	the	DET
cblr-14250	672	3	original	original	ADJ
cblr-14250	672	4	provisions	provision	NOUN
cblr-14250	672	5	were	be	AUX
cblr-14250	672	6	in	in	ADP
cblr-14250	672	7	section	section	NOUN
cblr-14250	672	8	4	4	NUM
cblr-14250	672	9	of	of	ADP
cblr-14250	672	10	the	the	DET
cblr-14250	672	11	federal	federal	PROPN
cblr-14250	672	12	reserve	reserve	PROPN
cblr-14250	672	13	act	act	PROPN
cblr-14250	672	14	.	.	PUNCT
cblr-14250	673	1	this	this	DET
cblr-14250	673	2	provision	provision	NOUN
cblr-14250	673	3	is	be	AUX
cblr-14250	673	4	among	among	ADP
cblr-14250	673	5	the	the	DET
cblr-14250	673	6	most	most	ADV
cblr-14250	673	7	amended	amend	VERB
cblr-14250	673	8	of	of	ADP
cblr-14250	673	9	the	the	DET
cblr-14250	673	10	federal	federal	PROPN
cblr-14250	673	11	reserve	reserve	PROPN
cblr-14250	673	12	act	act	PROPN
cblr-14250	673	13	,	,	PUNCT
cblr-14250	673	14	but	but	CCONJ
cblr-14250	673	15	the	the	DET
cblr-14250	673	16	bankers	banker	NOUN
cblr-14250	673	17	still	still	ADV
cblr-14250	673	18	retain	retain	VERB
cblr-14250	673	19	much	much	ADJ
cblr-14250	673	20	of	of	ADP
cblr-14250	673	21	their	their	PRON
cblr-14250	673	22	influence	influence	NOUN
cblr-14250	673	23	.	.	PUNCT
cblr-14250	674	1	124	124	NUM
cblr-14250	674	2	see	see	VERB
cblr-14250	674	3	laurence	laurence	NOUN
cblr-14250	674	4	broz	broz	PROPN
cblr-14250	674	5	,	,	PUNCT
cblr-14250	674	6	the	the	DET
cblr-14250	674	7	international	international	ADJ
cblr-14250	674	8	origins	origin	NOUN
cblr-14250	674	9	of	of	ADP
cblr-14250	674	10	the	the	DET
cblr-14250	674	11	federal	federal	PROPN
cblr-14250	674	12	reserve	reserve	PROPN
cblr-14250	674	13	system	system	NOUN
cblr-14250	674	14	(	(	PUNCT
cblr-14250	674	15	2009	2009	NUM
cblr-14250	674	16	)	)	PUNCT
cblr-14250	674	17	;	;	PUNCT
cblr-14250	674	18	kolko	kolko	X
cblr-14250	674	19	,	,	PUNCT
cblr-14250	674	20	supra	supra	PROPN
cblr-14250	674	21	note	note	NOUN
cblr-14250	674	22	12	12	NUM
cblr-14250	674	23	.	.	PUNCT
cblr-14250	675	1	no	no	INTJ
cblr-14250	675	2	.	.	NOUN
cblr-14250	675	3	1	1	NUM
cblr-14250	675	4	]	]	PUNCT
cblr-14250	675	5	risk	risk	NOUN
cblr-14250	675	6	,	,	PUNCT
cblr-14250	675	7	discretion	discretion	NOUN
cblr-14250	675	8	,	,	PUNCT
cblr-14250	675	9	and	and	CCONJ
cblr-14250	675	10	bank	bank	NOUN
cblr-14250	675	11	supervision	supervision	NOUN
cblr-14250	675	12	181	181	NUM
cblr-14250	675	13	information	information	NOUN
cblr-14250	675	14	contained	contain	VERB
cblr-14250	675	15	in	in	ADP
cblr-14250	675	16	examination	examination	NOUN
cblr-14250	675	17	reports	report	NOUN
cblr-14250	675	18	that	that	PRON
cblr-14250	675	19	would	would	AUX
cblr-14250	675	20	be	be	AUX
cblr-14250	675	21	provided	provide	VERB
cblr-14250	675	22	to	to	PART
cblr-14250	675	23	fed	fed	VERB
cblr-14250	675	24	directors	director	NOUN
cblr-14250	675	25	and	and	CCONJ
cblr-14250	675	26	written	write	VERB
cblr-14250	675	27	about	about	ADP
cblr-14250	675	28	these	these	DET
cblr-14250	675	29	directors	director	NOUN
cblr-14250	675	30	’	’	PART
cblr-14250	675	31	competitors	competitor	NOUN
cblr-14250	675	32	.	.	PUNCT
cblr-14250	676	1	members	member	NOUN
cblr-14250	676	2	of	of	ADP
cblr-14250	676	3	the	the	DET
cblr-14250	676	4	federal	federal	PROPN
cblr-14250	676	5	reserve	reserve	PROPN
cblr-14250	676	6	board	board	PROPN
cblr-14250	676	7	,	,	PUNCT
cblr-14250	676	8	tasked	task	VERB
cblr-14250	676	9	ambiguously	ambiguously	ADV
cblr-14250	676	10	with	with	ADP
cblr-14250	676	11	supervision	supervision	NOUN
cblr-14250	676	12	over	over	ADP
cblr-14250	676	13	supervision	supervision	NOUN
cblr-14250	676	14	,	,	PUNCT
cblr-14250	676	15	were	be	AUX
cblr-14250	676	16	immediately	immediately	ADV
cblr-14250	676	17	keyed	key	VERB
cblr-14250	676	18	into	into	ADP
cblr-14250	676	19	this	this	DET
cblr-14250	676	20	dynamic	dynamic	NOUN
cblr-14250	676	21	.	.	PUNCT
cblr-14250	677	1	“	"	PUNCT
cblr-14250	677	2	[	[	X
cblr-14250	677	3	u]nder	u]nder	ADP
cblr-14250	677	4	no	no	DET
cblr-14250	677	5	circumstances	circumstance	NOUN
cblr-14250	677	6	should	should	AUX
cblr-14250	677	7	any	any	DET
cblr-14250	677	8	information	information	NOUN
cblr-14250	677	9	contained	contain	VERB
cblr-14250	677	10	in	in	ADP
cblr-14250	677	11	the	the	DET
cblr-14250	677	12	bank	bank	NOUN
cblr-14250	677	13	examiner	examiner	NOUN
cblr-14250	677	14	’s	’s	PART
cblr-14250	677	15	reports	report	NOUN
cblr-14250	677	16	be	be	VERB
cblr-14250	677	17	open	open	ADJ
cblr-14250	677	18	for	for	ADP
cblr-14250	677	19	the	the	DET
cblr-14250	677	20	inspection	inspection	NOUN
cblr-14250	677	21	of	of	ADP
cblr-14250	677	22	the	the	DET
cblr-14250	677	23	directors	director	NOUN
cblr-14250	677	24	of	of	ADP
cblr-14250	677	25	any	any	DET
cblr-14250	677	26	federal	federal	PROPN
cblr-14250	677	27	reserve	reserve	PROPN
cblr-14250	677	28	bank	bank	PROPN
cblr-14250	677	29	,	,	PUNCT
cblr-14250	677	30	”	"	PUNCT
cblr-14250	677	31	an	an	DET
cblr-14250	677	32	early	early	ADJ
cblr-14250	677	33	member	member	NOUN
cblr-14250	677	34	of	of	ADP
cblr-14250	677	35	the	the	DET
cblr-14250	677	36	federal	federal	PROPN
cblr-14250	677	37	reserve	reserve	PROPN
cblr-14250	677	38	board	board	PROPN
cblr-14250	677	39	wrote	write	VERB
cblr-14250	677	40	to	to	ADP
cblr-14250	677	41	the	the	DET
cblr-14250	677	42	comptroller	comptroller	NOUN
cblr-14250	677	43	of	of	ADP
cblr-14250	677	44	the	the	DET
cblr-14250	677	45	currency	currency	NOUN
cblr-14250	677	46	in	in	ADP
cblr-14250	677	47	december	december	PROPN
cblr-14250	677	48	1914.125	1914.125	NUM
cblr-14250	677	49	the	the	DET
cblr-14250	677	50	comptroller	comptroller	NOUN
cblr-14250	677	51	went	go	VERB
cblr-14250	677	52	one	one	NUM
cblr-14250	677	53	step	step	NOUN
cblr-14250	677	54	further	far	ADV
cblr-14250	677	55	,	,	PUNCT
cblr-14250	677	56	suggesting	suggest	VERB
cblr-14250	677	57	that	that	SCONJ
cblr-14250	677	58	the	the	DET
cblr-14250	677	59	federal	federal	PROPN
cblr-14250	677	60	reserve	reserve	PROPN
cblr-14250	677	61	act	act	PROPN
cblr-14250	677	62	allowed	allow	VERB
cblr-14250	677	63	but	but	CCONJ
cblr-14250	677	64	did	do	AUX
cblr-14250	677	65	not	not	PART
cblr-14250	677	66	require	require	VERB
cblr-14250	677	67	the	the	DET
cblr-14250	677	68	comptroller	comptroller	NOUN
cblr-14250	677	69	to	to	PART
cblr-14250	677	70	share	share	VERB
cblr-14250	677	71	reports	report	NOUN
cblr-14250	677	72	with	with	ADP
cblr-14250	677	73	the	the	DET
cblr-14250	677	74	board.126	board.126	NOUN
cblr-14250	677	75	in	in	ADP
cblr-14250	677	76	a	a	DET
cblr-14250	677	77	broader	broad	ADJ
cblr-14250	677	78	sense	sense	NOUN
cblr-14250	677	79	,	,	PUNCT
cblr-14250	677	80	the	the	DET
cblr-14250	677	81	goal	goal	NOUN
cblr-14250	677	82	of	of	ADP
cblr-14250	677	83	the	the	DET
cblr-14250	677	84	tripartite	tripartite	ADJ
cblr-14250	677	85	structure	structure	NOUN
cblr-14250	677	86	was	be	AUX
cblr-14250	677	87	to	to	PART
cblr-14250	677	88	promote	promote	VERB
cblr-14250	677	89	coordination	coordination	NOUN
cblr-14250	677	90	and	and	CCONJ
cblr-14250	677	91	cooperation	cooperation	NOUN
cblr-14250	677	92	across	across	ADP
cblr-14250	677	93	three	three	NUM
cblr-14250	677	94	risk	risk	NOUN
cblr-14250	677	95	management	management	NOUN
cblr-14250	677	96	systems	system	NOUN
cblr-14250	677	97	(	(	PUNCT
cblr-14250	677	98	state	state	NOUN
cblr-14250	677	99	,	,	PUNCT
cblr-14250	677	100	comptroller	comptroller	NOUN
cblr-14250	677	101	,	,	PUNCT
cblr-14250	677	102	and	and	CCONJ
cblr-14250	677	103	federal	federal	ADJ
cblr-14250	677	104	)	)	PUNCT
cblr-14250	677	105	.	.	PUNCT
cblr-14250	678	1	in	in	ADP
cblr-14250	678	2	practice	practice	NOUN
cblr-14250	678	3	,	,	PUNCT
cblr-14250	678	4	however	however	ADV
cblr-14250	678	5	,	,	PUNCT
cblr-14250	678	6	institutional	institutional	ADJ
cblr-14250	678	7	competition	competition	NOUN
cblr-14250	678	8	encouraged	encourage	VERB
cblr-14250	678	9	risk	risk	NOUN
cblr-14250	678	10	avoidance	avoidance	NOUN
cblr-14250	678	11	and	and	CCONJ
cblr-14250	678	12	risk	risk	NOUN
cblr-14250	678	13	shifting	shifting	NOUN
cblr-14250	678	14	.	.	PUNCT
cblr-14250	679	1	already	already	ADV
cblr-14250	679	2	in	in	ADP
cblr-14250	679	3	the	the	DET
cblr-14250	679	4	dual	dual	ADJ
cblr-14250	679	5	chartering	chartering	NOUN
cblr-14250	679	6	system	system	NOUN
cblr-14250	679	7	,	,	PUNCT
cblr-14250	679	8	the	the	DET
cblr-14250	679	9	comptroller	comptroller	NOUN
cblr-14250	679	10	and	and	CCONJ
cblr-14250	679	11	state	state	NOUN
cblr-14250	679	12	supervisors	supervisor	NOUN
cblr-14250	679	13	worked	work	VERB
cblr-14250	679	14	to	to	PART
cblr-14250	679	15	entice	entice	VERB
cblr-14250	679	16	strong	strong	ADJ
cblr-14250	679	17	banks	bank	NOUN
cblr-14250	679	18	into	into	ADP
cblr-14250	679	19	their	their	PRON
cblr-14250	679	20	oversight	oversight	NOUN
cblr-14250	679	21	regimes	regime	NOUN
cblr-14250	679	22	while	while	SCONJ
cblr-14250	679	23	125	125	NUM
cblr-14250	679	24	letter	letter	NOUN
cblr-14250	679	25	from	from	ADP
cblr-14250	679	26	warren	warren	PROPN
cblr-14250	679	27	p.	p.	PROPN
cblr-14250	679	28	g.	g.	PROPN
cblr-14250	679	29	harding	harding	PROPN
cblr-14250	679	30	,	,	PUNCT
cblr-14250	679	31	fed	fed	PROPN
cblr-14250	679	32	.	.	PUNCT
cblr-14250	679	33	reserve	reserve	PROPN
cblr-14250	679	34	governor	governor	NOUN
cblr-14250	679	35	,	,	PUNCT
cblr-14250	679	36	to	to	ADP
cblr-14250	679	37	the	the	DET
cblr-14250	679	38	chairmen	chairman	NOUN
cblr-14250	679	39	of	of	ADP
cblr-14250	679	40	all	all	DET
cblr-14250	679	41	fed	fed	PROPN
cblr-14250	679	42	.	.	PUNCT
cblr-14250	680	1	reserve	reserve	NOUN
cblr-14250	680	2	banks	bank	NOUN
cblr-14250	680	3	,	,	PUNCT
cblr-14250	680	4	on	on	ADP
cblr-14250	680	5	the	the	DET
cblr-14250	680	6	right	right	NOUN
cblr-14250	680	7	of	of	ADP
cblr-14250	680	8	directors	director	NOUN
cblr-14250	680	9	of	of	ADP
cblr-14250	680	10	federal	federal	PROPN
cblr-14250	680	11	reserve	reserve	PROPN
cblr-14250	680	12	banks	bank	NOUN
cblr-14250	680	13	and	and	CCONJ
cblr-14250	680	14	branches	branch	NOUN
cblr-14250	680	15	to	to	PART
cblr-14250	680	16	examine	examine	VERB
cblr-14250	680	17	reports	report	NOUN
cblr-14250	680	18	of	of	ADP
cblr-14250	680	19	examination	examination	NOUN
cblr-14250	680	20	of	of	ADP
cblr-14250	680	21	member	member	NOUN
cblr-14250	680	22	banks	bank	NOUN
cblr-14250	680	23	(	(	PUNCT
cblr-14250	680	24	feb	feb	PROPN
cblr-14250	680	25	.	.	PROPN
cblr-14250	680	26	2	2	NUM
cblr-14250	680	27	,	,	PUNCT
cblr-14250	680	28	1922	1922	NUM
cblr-14250	680	29	)	)	PUNCT
cblr-14250	680	30	,	,	PUNCT
cblr-14250	680	31	no	no	INTJ
cblr-14250	680	32	.	.	PUNCT
cblr-14250	681	1	x-3318	x-3318	PROPN
cblr-14250	681	2	,	,	PUNCT
cblr-14250	681	3	16	16	NUM
cblr-14250	681	4	mimeographed	mimeographed	ADJ
cblr-14250	681	5	letters	letter	NOUN
cblr-14250	681	6	and	and	CCONJ
cblr-14250	681	7	statements	statement	NOUN
cblr-14250	681	8	of	of	ADP
cblr-14250	681	9	the	the	DET
cblr-14250	681	10	board	board	NOUN
cblr-14250	681	11	119	119	NUM
cblr-14250	681	12	(	(	PUNCT
cblr-14250	681	13	quoting	quote	VERB
cblr-14250	681	14	a	a	DET
cblr-14250	681	15	letter	letter	NOUN
cblr-14250	681	16	from	from	ADP
cblr-14250	681	17	preston	preston	PROPN
cblr-14250	681	18	delano	delano	PROPN
cblr-14250	681	19	to	to	ADP
cblr-14250	681	20	the	the	DET
cblr-14250	681	21	comptroller	comptroller	NOUN
cblr-14250	681	22	of	of	ADP
cblr-14250	681	23	the	the	DET
cblr-14250	681	24	currency	currency	NOUN
cblr-14250	681	25	(	(	PUNCT
cblr-14250	681	26	dec	dec	PROPN
cblr-14250	681	27	.	.	PROPN
cblr-14250	681	28	22	22	NUM
cblr-14250	681	29	,	,	PUNCT
cblr-14250	681	30	1914	1914	NUM
cblr-14250	681	31	)	)	PUNCT
cblr-14250	681	32	)	)	PUNCT
cblr-14250	681	33	,	,	PUNCT
cblr-14250	681	34	on	on	ADP
cblr-14250	681	35	file	file	NOUN
cblr-14250	681	36	with	with	ADP
cblr-14250	681	37	fraser	fraser	NOUN
cblr-14250	681	38	,	,	PUNCT
cblr-14250	681	39	https://fraser.stlouisfed.org/archival-collection/mimeograph-lettersstatements-board-4957/letter-governor-re-right-directors-federal-reservebanks-branches-examine-reports-examination-member-banks-511603/	https://fraser.stlouisfed.org/archival-collection/mimeograph-lettersstatements-board-4957/letter-governor-re-right-directors-federal-reservebanks-branches-examine-reports-examination-member-banks-511603/	NOUN
cblr-14250	682	1	[	[	X
cblr-14250	682	2	https://perma.cc/8b7w-rzwf	https://perma.cc/8b7w-rzwf	X
cblr-14250	682	3	]	]	PUNCT
cblr-14250	682	4	.	.	PUNCT
cblr-14250	683	1	126	126	NUM
cblr-14250	683	2	meeting	meeting	NOUN
cblr-14250	683	3	minutes	minute	NOUN
cblr-14250	683	4	(	(	PUNCT
cblr-14250	683	5	oct	oct	PROPN
cblr-14250	683	6	.	.	PROPN
cblr-14250	683	7	15	15	NUM
cblr-14250	683	8	,	,	PUNCT
cblr-14250	683	9	1915	1915	NUM
cblr-14250	683	10	)	)	PUNCT
cblr-14250	683	11	,	,	PUNCT
cblr-14250	683	12	2	2	NUM
cblr-14250	683	13	minutes	minute	NOUN
cblr-14250	683	14	of	of	ADP
cblr-14250	683	15	the	the	DET
cblr-14250	683	16	board	board	NOUN
cblr-14250	683	17	of	of	ADP
cblr-14250	683	18	governors	governor	NOUN
cblr-14250	683	19	of	of	ADP
cblr-14250	683	20	the	the	DET
cblr-14250	683	21	federal	federal	PROPN
cblr-14250	683	22	reserve	reserve	PROPN
cblr-14250	683	23	system	system	NOUN
cblr-14250	683	24	862	862	NUM
cblr-14250	683	25	,	,	PUNCT
cblr-14250	683	26	865–66	865–66	NUM
cblr-14250	683	27	,	,	PUNCT
cblr-14250	683	28	https://fraser.stlouisfed.org/title/minutes-board-governors-federal-reservesystem-821/meeting-minutes-october-15-1915-28714	https://fraser.stlouisfed.org/title/minutes-board-governors-federal-reservesystem-821/meeting-minutes-october-15-1915-28714	NOUN
cblr-14250	683	29	[	[	X
cblr-14250	683	30	https://perma.cc/6djw-n53	https://perma.cc/6djw-n53	NOUN
cblr-14250	683	31	m	m	PROPN
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cblr-14250	683	33	;	;	PUNCT
cblr-14250	683	34	charles	charles	PROPN
cblr-14250	683	35	s.	s.	PROPN
cblr-14250	683	36	hamlin	hamlin	PROPN
cblr-14250	683	37	,	,	PUNCT
cblr-14250	683	38	diary	diary	ADJ
cblr-14250	683	39	entry	entry	NOUN
cblr-14250	683	40	regarding	regard	VERB
cblr-14250	683	41	his	his	PRON
cblr-14250	683	42	report	report	NOUN
cblr-14250	683	43	on	on	ADP
cblr-14250	683	44	fed	fed	PROPN
cblr-14250	683	45	.	.	PUNCT
cblr-14250	683	46	reserve	reserve	PROPN
cblr-14250	683	47	authority	authority	PROPN
cblr-14250	683	48	over	over	ADP
cblr-14250	683	49	the	the	DET
cblr-14250	683	50	comptroller	comptroller	NOUN
cblr-14250	683	51	(	(	PUNCT
cblr-14250	683	52	oct	oct	PROPN
cblr-14250	683	53	.	.	PROPN
cblr-14250	683	54	21	21	NUM
cblr-14250	683	55	,	,	PUNCT
cblr-14250	683	56	1915	1915	NUM
cblr-14250	683	57	)	)	PUNCT
cblr-14250	683	58	(	(	PUNCT
cblr-14250	683	59	on	on	ADP
cblr-14250	683	60	file	file	NOUN
cblr-14250	683	61	with	with	ADP
cblr-14250	683	62	libr	libr	NOUN
cblr-14250	683	63	.	.	PUNCT
cblr-14250	684	1	of	of	ADP
cblr-14250	684	2	cong	cong	PROPN
cblr-14250	684	3	.	.	PROPN
cblr-14250	684	4	,	,	PUNCT
cblr-14250	684	5	charles	charles	PROPN
cblr-14250	684	6	s.	s.	PROPN
cblr-14250	684	7	hamlin	hamlin	PROPN
cblr-14250	684	8	papers	papers	PROPN
cblr-14250	684	9	,	,	PUNCT
cblr-14250	684	10	correspondence	correspondence	NOUN
cblr-14250	684	11	,	,	PUNCT
cblr-14250	684	12	1869–1955	1869–1955	NUM
cblr-14250	684	13	,	,	PUNCT
cblr-14250	684	14	box	box	NOUN
cblr-14250	684	15	356	356	NUM
cblr-14250	684	16	,	,	PUNCT
cblr-14250	684	17	vol	vol	NOUN
cblr-14250	684	18	.	.	NOUN
cblr-14250	684	19	3	3	NUM
cblr-14250	684	20	(	(	PUNCT
cblr-14250	684	21	jan	jan	PROPN
cblr-14250	684	22	.	.	PROPN
cblr-14250	684	23	17	17	NUM
cblr-14250	684	24	,	,	PUNCT
cblr-14250	684	25	1915	1915	NUM
cblr-14250	684	26	–	–	PUNCT
cblr-14250	684	27	aug	aug	PROPN
cblr-14250	684	28	.	.	PROPN
cblr-14250	684	29	30	30	NUM
cblr-14250	684	30	,	,	PUNCT
cblr-14250	684	31	1916	1916	NUM
cblr-14250	684	32	)	)	PUNCT
cblr-14250	684	33	,	,	PUNCT
cblr-14250	684	34	at	at	ADP
cblr-14250	684	35	122	122	NUM
cblr-14250	684	36	)	)	PUNCT
cblr-14250	684	37	,	,	PUNCT
cblr-14250	684	38	https://www.loc.gov/resource/mss24661b.35617/?sp=40&st=image	https://www.loc.gov/resource/mss24661b.35617/?sp=40&st=image	NOUN
cblr-14250	684	39	[	[	X
cblr-14250	684	40	https://perma.cc/ufx4-u352	https://perma.cc/ufx4-u352	PROPN
cblr-14250	684	41	]	]	PUNCT
cblr-14250	684	42	.	.	PUNCT
cblr-14250	685	1	182	182	NUM
cblr-14250	685	2	columbia	columbia	PROPN
cblr-14250	685	3	business	business	NOUN
cblr-14250	685	4	law	law	PROPN
cblr-14250	685	5	review	review	NOUN
cblr-14250	685	6	[	[	X
cblr-14250	685	7	vol	vol	NOUN
cblr-14250	685	8	.	.	PUNCT
cblr-14250	685	9	2025	2025	NUM
cblr-14250	685	10	expelling	expel	VERB
cblr-14250	685	11	weak	weak	ADJ
cblr-14250	685	12	banks	bank	NOUN
cblr-14250	685	13	into	into	ADP
cblr-14250	685	14	rival	rival	ADJ
cblr-14250	685	15	systems.127	systems.127	PROPN
cblr-14250	685	16	the	the	DET
cblr-14250	685	17	fed	fed	PROPN
cblr-14250	685	18	added	add	VERB
cblr-14250	685	19	a	a	DET
cblr-14250	685	20	new	new	ADJ
cblr-14250	685	21	outlet	outlet	NOUN
cblr-14250	685	22	for	for	ADP
cblr-14250	685	23	risk	risk	NOUN
cblr-14250	685	24	shifting	shift	VERB
cblr-14250	685	25	.	.	PUNCT
cblr-14250	686	1	the	the	DET
cblr-14250	686	2	fed	fed	PROPN
cblr-14250	686	3	examiners	examiner	NOUN
cblr-14250	686	4	also	also	ADV
cblr-14250	686	5	developed	develop	VERB
cblr-14250	686	6	their	their	PRON
cblr-14250	686	7	own	own	ADJ
cblr-14250	686	8	modes	mode	NOUN
cblr-14250	686	9	of	of	ADP
cblr-14250	686	10	risk	risk	NOUN
cblr-14250	686	11	management	management	NOUN
cblr-14250	686	12	,	,	PUNCT
cblr-14250	686	13	focused	focus	VERB
cblr-14250	686	14	on	on	ADP
cblr-14250	686	15	“	"	PUNCT
cblr-14250	686	16	modernizing	modernize	VERB
cblr-14250	686	17	”	"	PUNCT
cblr-14250	686	18	the	the	DET
cblr-14250	686	19	lending	lending	NOUN
cblr-14250	686	20	practices	practice	NOUN
cblr-14250	686	21	of	of	ADP
cblr-14250	686	22	member	member	NOUN
cblr-14250	686	23	banks	bank	NOUN
cblr-14250	686	24	.	.	PUNCT
cblr-14250	687	1	because	because	SCONJ
cblr-14250	687	2	the	the	DET
cblr-14250	687	3	reserve	reserve	NOUN
cblr-14250	687	4	banks	bank	NOUN
cblr-14250	687	5	’	’	PART
cblr-14250	687	6	risk	risk	NOUN
cblr-14250	687	7	management	management	NOUN
cblr-14250	687	8	operated	operate	VERB
cblr-14250	687	9	through	through	ADP
cblr-14250	687	10	their	their	PRON
cblr-14250	687	11	balance	balance	NOUN
cblr-14250	687	12	sheets	sheet	NOUN
cblr-14250	687	13	,	,	PUNCT
cblr-14250	687	14	reserve	reserve	NOUN
cblr-14250	687	15	banks	bank	NOUN
cblr-14250	687	16	(	(	PUNCT
cblr-14250	687	17	and	and	CCONJ
cblr-14250	687	18	the	the	DET
cblr-14250	687	19	board	board	NOUN
cblr-14250	687	20	,	,	PUNCT
cblr-14250	687	21	as	as	ADP
cblr-14250	687	22	their	their	PRON
cblr-14250	687	23	supervisor	supervisor	NOUN
cblr-14250	687	24	)	)	PUNCT
cblr-14250	687	25	,	,	PUNCT
cblr-14250	687	26	took	take	VERB
cblr-14250	687	27	a	a	DET
cblr-14250	687	28	keen	keen	ADJ
cblr-14250	687	29	interest	interest	NOUN
cblr-14250	687	30	in	in	ADP
cblr-14250	687	31	the	the	DET
cblr-14250	687	32	quality	quality	NOUN
cblr-14250	687	33	of	of	ADP
cblr-14250	687	34	loans	loan	NOUN
cblr-14250	687	35	that	that	PRON
cblr-14250	687	36	they	they	PRON
cblr-14250	687	37	would	would	AUX
cblr-14250	687	38	rediscount	rediscount	VERB
cblr-14250	687	39	.	.	PUNCT
cblr-14250	688	1	under	under	ADP
cblr-14250	688	2	the	the	DET
cblr-14250	688	3	rubric	rubric	NOUN
cblr-14250	688	4	of	of	ADP
cblr-14250	688	5	“	"	PUNCT
cblr-14250	688	6	acceptability”—that	acceptability”—that	PRON
cblr-14250	688	7	is	be	AUX
cblr-14250	688	8	,	,	PUNCT
cblr-14250	688	9	mandating	mandate	VERB
cblr-14250	688	10	to	to	PART
cblr-14250	688	11	member	member	NOUN
cblr-14250	688	12	banks	bank	NOUN
cblr-14250	688	13	what	what	PRON
cblr-14250	688	14	assets	asset	NOUN
cblr-14250	688	15	would	would	AUX
cblr-14250	688	16	be	be	AUX
cblr-14250	688	17	acceptable	acceptable	ADJ
cblr-14250	688	18	for	for	ADP
cblr-14250	688	19	rediscount	rediscount	NOUN
cblr-14250	688	20	—	—	PUNCT
cblr-14250	688	21	reserve	reserve	NOUN
cblr-14250	688	22	banks	bank	NOUN
cblr-14250	688	23	required	require	VERB
cblr-14250	688	24	increasingly	increasingly	ADV
cblr-14250	688	25	thorough	thorough	ADJ
cblr-14250	688	26	documentation	documentation	NOUN
cblr-14250	688	27	from	from	ADP
cblr-14250	688	28	member	member	NOUN
cblr-14250	688	29	banks	bank	NOUN
cblr-14250	688	30	,	,	PUNCT
cblr-14250	688	31	including	include	VERB
cblr-14250	688	32	credit	credit	NOUN
cblr-14250	688	33	files	file	NOUN
cblr-14250	688	34	and	and	CCONJ
cblr-14250	688	35	balance	balance	NOUN
cblr-14250	688	36	sheets	sheet	NOUN
cblr-14250	688	37	for	for	ADP
cblr-14250	688	38	borrowers.128	borrowers.128	NOUN
cblr-14250	688	39	the	the	DET
cblr-14250	688	40	reserve	reserve	NOUN
cblr-14250	688	41	banks	bank	NOUN
cblr-14250	688	42	even	even	ADV
cblr-14250	688	43	developed	develop	VERB
cblr-14250	688	44	industry	industry	NOUN
cblr-14250	688	45	-	-	PUNCT
cblr-14250	688	46	specific	specific	ADJ
cblr-14250	688	47	forms	form	NOUN
cblr-14250	688	48	to	to	PART
cblr-14250	688	49	account	account	VERB
cblr-14250	688	50	for	for	ADP
cblr-14250	688	51	idiosyncratic	idiosyncratic	ADJ
cblr-14250	688	52	land	land	NOUN
cblr-14250	688	53	tenure	tenure	NOUN
cblr-14250	688	54	and	and	CCONJ
cblr-14250	688	55	credit	credit	NOUN
cblr-14250	688	56	practices	practice	NOUN
cblr-14250	688	57	.	.	PUNCT
cblr-14250	689	1	in	in	ADP
cblr-14250	689	2	one	one	NUM
cblr-14250	689	3	case	case	NOUN
cblr-14250	689	4	,	,	PUNCT
cblr-14250	689	5	the	the	DET
cblr-14250	689	6	san	san	PROPN
cblr-14250	689	7	francisco	francisco	PROPN
cblr-14250	689	8	and	and	CCONJ
cblr-14250	689	9	atlanta	atlanta	PROPN
cblr-14250	689	10	banks	bank	NOUN
cblr-14250	689	11	developed	develop	VERB
cblr-14250	689	12	forms	form	NOUN
cblr-14250	689	13	for	for	ADP
cblr-14250	689	14	citrus	citrus	NOUN
cblr-14250	689	15	growers	grower	NOUN
cblr-14250	689	16	,	,	PUNCT
cblr-14250	689	17	which	which	PRON
cblr-14250	689	18	pressed	press	VERB
cblr-14250	689	19	cost	cost	NOUN
cblr-14250	689	20	accounting	accounting	NOUN
cblr-14250	689	21	into	into	ADP
cblr-14250	689	22	the	the	DET
cblr-14250	689	23	florida	florida	PROPN
cblr-14250	689	24	swamp	swamp	NOUN
cblr-14250	689	25	by	by	ADP
cblr-14250	689	26	imposing	impose	VERB
cblr-14250	689	27	new	new	ADJ
cblr-14250	689	28	supervision	supervision	NOUN
cblr-14250	689	29	requirements	requirement	NOUN
cblr-14250	689	30	on	on	ADP
cblr-14250	689	31	member	member	NOUN
cblr-14250	689	32	banks.129	banks.129	PROPN
cblr-14250	689	33	to	to	PART
cblr-14250	689	34	protect	protect	VERB
cblr-14250	689	35	its	its	PRON
cblr-14250	689	36	balance	balance	NOUN
cblr-14250	689	37	sheets	sheet	NOUN
cblr-14250	689	38	—	—	PUNCT
cblr-14250	689	39	or	or	CCONJ
cblr-14250	689	40	the	the	DET
cblr-14250	689	41	collective	collective	ADJ
cblr-14250	689	42	balance	balance	NOUN
cblr-14250	689	43	sheets	sheet	NOUN
cblr-14250	689	44	of	of	ADP
cblr-14250	689	45	the	the	DET
cblr-14250	689	46	reserve	reserve	NOUN
cblr-14250	689	47	banks	bank	NOUN
cblr-14250	689	48	—	—	PUNCT
cblr-14250	689	49	the	the	DET
cblr-14250	689	50	fed	fed	PROPN
cblr-14250	689	51	sought	seek	VERB
cblr-14250	689	52	to	to	PART
cblr-14250	689	53	compel	compel	VERB
cblr-14250	689	54	more	more	ADV
cblr-14250	689	55	robust	robust	ADJ
cblr-14250	689	56	risk	risk	NOUN
cblr-14250	689	57	management	management	NOUN
cblr-14250	689	58	within	within	ADP
cblr-14250	689	59	the	the	DET
cblr-14250	689	60	private	private	ADJ
cblr-14250	689	61	banks	bank	NOUN
cblr-14250	689	62	.	.	PUNCT
cblr-14250	690	1	u.s	u.s	PROPN
cblr-14250	690	2	.	.	PROPN
cblr-14250	690	3	finance	finance	NOUN
cblr-14250	690	4	thrived	thrive	VERB
cblr-14250	690	5	throughout	throughout	ADP
cblr-14250	690	6	the	the	DET
cblr-14250	690	7	1910s	1910	NOUN
cblr-14250	690	8	and	and	CCONJ
cblr-14250	690	9	1920s	1920	NOUN
cblr-14250	690	10	.	.	PUNCT
cblr-14250	691	1	at	at	ADP
cblr-14250	691	2	the	the	DET
cblr-14250	691	3	time	time	NOUN
cblr-14250	691	4	,	,	PUNCT
cblr-14250	691	5	some	some	PRON
cblr-14250	691	6	attributed	attribute	VERB
cblr-14250	691	7	this	this	PRON
cblr-14250	691	8	to	to	ADP
cblr-14250	691	9	the	the	DET
cblr-14250	691	10	genius	genius	NOUN
cblr-14250	691	11	of	of	ADP
cblr-14250	691	12	the	the	DET
cblr-14250	691	13	federal	federal	PROPN
cblr-14250	691	14	reserve	reserve	PROPN
cblr-14250	691	15	system	system	NOUN
cblr-14250	691	16	,	,	PUNCT
cblr-14250	691	17	a	a	DET
cblr-14250	691	18	refrain	refrain	NOUN
cblr-14250	691	19	that	that	PRON
cblr-14250	691	20	grew	grow	VERB
cblr-14250	691	21	in	in	ADP
cblr-14250	691	22	enthusiasm	enthusiasm	NOUN
cblr-14250	691	23	as	as	ADP
cblr-14250	691	24	the	the	DET
cblr-14250	691	25	1920s	1920s	NUM
cblr-14250	691	26	advanced	advanced	ADJ
cblr-14250	691	27	,	,	PUNCT
cblr-14250	691	28	including	include	VERB
cblr-14250	691	29	when	when	SCONJ
cblr-14250	691	30	congress	congress	PROPN
cblr-14250	691	31	debated	debate	VERB
cblr-14250	691	32	whether	whether	SCONJ
cblr-14250	691	33	to	to	ADP
cblr-14250	691	34	127	127	NUM
cblr-14250	691	35	see	see	NOUN
cblr-14250	691	36	hammond	hammond	NOUN
cblr-14250	691	37	,	,	PUNCT
cblr-14250	691	38	sovereignty	sovereignty	NOUN
cblr-14250	691	39	and	and	CCONJ
cblr-14250	691	40	an	an	DET
cblr-14250	691	41	empty	empty	ADJ
cblr-14250	691	42	purse	purse	NOUN
cblr-14250	691	43	,	,	PUNCT
cblr-14250	691	44	supra	supra	PROPN
cblr-14250	691	45	note	note	NOUN
cblr-14250	691	46	66	66	NUM
cblr-14250	691	47	,	,	PUNCT
cblr-14250	691	48	at	at	ADP
cblr-14250	691	49	349–50	349–50	NUM
cblr-14250	691	50	.	.	PUNCT
cblr-14250	692	1	128	128	NUM
cblr-14250	692	2	see	see	VERB
cblr-14250	692	3	e.g.	e.g.	ADV
cblr-14250	692	4	,	,	PUNCT
cblr-14250	692	5	letter	letter	NOUN
cblr-14250	692	6	from	from	ADP
cblr-14250	692	7	walter	walter	PROPN
cblr-14250	692	8	eddy	eddy	PROPN
cblr-14250	692	9	to	to	ADP
cblr-14250	692	10	c.	c.	PROPN
cblr-14250	692	11	c.	c.	PROPN
cblr-14250	692	12	henking	henking	PROPN
cblr-14250	692	13	noting	note	VERB
cblr-14250	692	14	the	the	DET
cblr-14250	692	15	impracticability	impracticability	NOUN
cblr-14250	692	16	of	of	ADP
cblr-14250	692	17	uniform	uniform	ADJ
cblr-14250	692	18	financial	financial	ADJ
cblr-14250	692	19	statements	statement	NOUN
cblr-14250	692	20	(	(	PUNCT
cblr-14250	692	21	dec	dec	PROPN
cblr-14250	692	22	.	.	PROPN
cblr-14250	692	23	12	12	NUM
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cblr-14250	692	25	1923	1923	NUM
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cblr-14250	692	27	(	(	PUNCT
cblr-14250	692	28	on	on	ADP
cblr-14250	692	29	file	file	NOUN
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cblr-14250	692	31	nat’l	nat’l	NOUN
cblr-14250	692	32	archives	archive	NOUN
cblr-14250	692	33	,	,	PUNCT
cblr-14250	692	34	records	record	NOUN
cblr-14250	692	35	of	of	ADP
cblr-14250	692	36	the	the	DET
cblr-14250	692	37	fed	fed	PROPN
cblr-14250	692	38	.	.	PUNCT
cblr-14250	692	39	rsrv	rsrv	PROPN
cblr-14250	692	40	.	.	PUNCT
cblr-14250	693	1	sys	sys	PROPN
cblr-14250	693	2	.	.	PROPN
cblr-14250	693	3	,	,	PUNCT
cblr-14250	693	4	rec	rec	PROPN
cblr-14250	693	5	.	.	PROPN
cblr-14250	693	6	grp	grp	PROPN
cblr-14250	693	7	.	.	PROPN
cblr-14250	693	8	82	82	NUM
cblr-14250	693	9	,	,	PUNCT
cblr-14250	693	10	box	box	PROPN
cblr-14250	693	11	1348	1348	NUM
cblr-14250	693	12	,	,	PUNCT
cblr-14250	693	13	folder	folder	NOUN
cblr-14250	693	14	3	3	NUM
cblr-14250	693	15	)	)	PUNCT
cblr-14250	693	16	,	,	PUNCT
cblr-14250	693	17	https://fraser.stlouisfed.org/archival/1344/item/540583	https://fraser.stlouisfed.org/archival/1344/item/540583	PROPN
cblr-14250	694	1	[	[	X
cblr-14250	694	2	https://perma.cc/pu6u-r7lc	https://perma.cc/pu6u-r7lc	X
cblr-14250	694	3	]	]	X
cblr-14250	694	4	.	.	PUNCT
cblr-14250	695	1	129	129	NUM
cblr-14250	696	1	v.	v.	ADP
cblr-14250	696	2	k.	k.	PROPN
cblr-14250	696	3	bowman	bowman	PROPN
cblr-14250	696	4	,	,	PUNCT
cblr-14250	696	5	assistant	assistant	ADJ
cblr-14250	696	6	cashier	cashier	NOUN
cblr-14250	696	7	,	,	PUNCT
cblr-14250	696	8	fed	fed	PROPN
cblr-14250	696	9	.	.	PUNCT
cblr-14250	696	10	rsrv	rsrv	PROPN
cblr-14250	696	11	.	.	PUNCT
cblr-14250	697	1	bank	bank	PROPN
cblr-14250	697	2	of	of	ADP
cblr-14250	697	3	atlanta	atlanta	PROPN
cblr-14250	697	4	,	,	PUNCT
cblr-14250	697	5	citrus	citrus	NOUN
cblr-14250	697	6	&	&	CCONJ
cblr-14250	697	7	truck	truck	NOUN
cblr-14250	697	8	industry	industry	NOUN
cblr-14250	697	9	in	in	ADP
cblr-14250	697	10	6th	6th	ADJ
cblr-14250	697	11	fed	fed	PROPN
cblr-14250	697	12	.	.	PUNCT
cblr-14250	698	1	rsrv	rsrv	PROPN
cblr-14250	698	2	.	.	PUNCT
cblr-14250	699	1	district	district	NOUN
cblr-14250	699	2	:	:	PUNCT
cblr-14250	699	3	memorandum	memorandum	NOUN
cblr-14250	699	4	to	to	ADP
cblr-14250	699	5	oscar	oscar	PROPN
cblr-14250	699	6	newton	newton	PROPN
cblr-14250	699	7	(	(	PUNCT
cblr-14250	699	8	july	july	PROPN
cblr-14250	699	9	18	18	NUM
cblr-14250	699	10	,	,	PUNCT
cblr-14250	699	11	1927	1927	NUM
cblr-14250	699	12	)	)	PUNCT
cblr-14250	699	13	(	(	PUNCT
cblr-14250	699	14	on	on	ADP
cblr-14250	699	15	file	file	NOUN
cblr-14250	699	16	with	with	ADP
cblr-14250	699	17	nat’l	nat’l	NOUN
cblr-14250	699	18	archives	archive	NOUN
cblr-14250	699	19	,	,	PUNCT
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cblr-14250	699	21	of	of	ADP
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cblr-14250	699	24	.	.	PUNCT
cblr-14250	699	25	rsrv	rsrv	PROPN
cblr-14250	699	26	.	.	PUNCT
cblr-14250	700	1	sys	sys	PROPN
cblr-14250	700	2	.	.	PROPN
cblr-14250	700	3	,	,	PUNCT
cblr-14250	700	4	rec	rec	PROPN
cblr-14250	700	5	.	.	PROPN
cblr-14250	700	6	grp	grp	PROPN
cblr-14250	700	7	.	.	PROPN
cblr-14250	700	8	82	82	NUM
cblr-14250	700	9	,	,	PUNCT
cblr-14250	700	10	box	box	PROPN
cblr-14250	700	11	1348	1348	NUM
cblr-14250	700	12	,	,	PUNCT
cblr-14250	700	13	folder	folder	NOUN
cblr-14250	700	14	4	4	NUM
cblr-14250	700	15	)	)	PUNCT
cblr-14250	700	16	,	,	PUNCT
cblr-14250	700	17	https://fraser.stlouisfed.org/archival	https://fraser.stlouisfed.org/archival	PROPN
cblr-14250	700	18	collection	collection	NOUN
cblr-14250	700	19	/	/	SYM
cblr-14250	700	20	records	record	NOUN
cblr-14250	700	21	-	-	PUNCT
cblr-14250	700	22	federal	federal	ADJ
cblr-14250	700	23	-	-	PUNCT
cblr-14250	700	24	reserve	reserve	NOUN
cblr-14250	700	25	-	-	PUNCT
cblr-14250	700	26	system-1344	system-1344	NOUN
cblr-14250	700	27	/	/	SYM
cblr-14250	700	28	eligibility	eligibility	NOUN
cblr-14250	700	29	-	-	PUNCT
cblr-14250	700	30	paper	paper	NOUN
cblr-14250	700	31	-	-	PUNCT
cblr-14250	700	32	financialstatements-1927	financialstatements-1927	VERB
cblr-14250	700	33	-	-	PUNCT
cblr-14250	700	34	1941	1941	NUM
cblr-14250	700	35	-	-	SYM
cblr-14250	700	36	540584	540584	NUM
cblr-14250	700	37	[	[	X
cblr-14250	700	38	https://perma.cc/nc8z-uj7w	https://perma.cc/nc8z-uj7w	X
cblr-14250	700	39	]	]	X
cblr-14250	700	40	.	.	PUNCT
cblr-14250	701	1	no	no	INTJ
cblr-14250	701	2	.	.	NOUN
cblr-14250	701	3	1	1	NUM
cblr-14250	701	4	]	]	PUNCT
cblr-14250	701	5	risk	risk	NOUN
cblr-14250	701	6	,	,	PUNCT
cblr-14250	701	7	discretion	discretion	NOUN
cblr-14250	701	8	,	,	PUNCT
cblr-14250	701	9	and	and	CCONJ
cblr-14250	701	10	bank	bank	NOUN
cblr-14250	701	11	supervision	supervision	NOUN
cblr-14250	701	12	183	183	NUM
cblr-14250	701	13	extend	extend	VERB
cblr-14250	701	14	the	the	DET
cblr-14250	701	15	federal	federal	PROPN
cblr-14250	701	16	reserve	reserve	PROPN
cblr-14250	701	17	’s	’s	PART
cblr-14250	701	18	congressional	congressional	ADJ
cblr-14250	701	19	charter	charter	NOUN
cblr-14250	701	20	in	in	ADP
cblr-14250	701	21	perpetuity	perpetuity	NOUN
cblr-14250	701	22	in	in	ADP
cblr-14250	701	23	1927.130	1927.130	NUM
cblr-14250	701	24	there	there	PRON
cblr-14250	701	25	was	be	VERB
cblr-14250	701	26	a	a	DET
cblr-14250	701	27	hollowness	hollowness	NOUN
cblr-14250	701	28	to	to	ADP
cblr-14250	701	29	this	this	DET
cblr-14250	701	30	enthusiasm	enthusiasm	NOUN
cblr-14250	701	31	and	and	CCONJ
cblr-14250	701	32	to	to	ADP
cblr-14250	701	33	its	its	PRON
cblr-14250	701	34	causal	causal	ADJ
cblr-14250	701	35	attributions	attribution	NOUN
cblr-14250	701	36	.	.	PUNCT
cblr-14250	702	1	the	the	DET
cblr-14250	702	2	great	great	ADJ
cblr-14250	702	3	war	war	NOUN
cblr-14250	702	4	had	have	AUX
cblr-14250	702	5	devastated	devastate	VERB
cblr-14250	702	6	rival	rival	ADJ
cblr-14250	702	7	international	international	ADJ
cblr-14250	702	8	financial	financial	ADJ
cblr-14250	702	9	centers	center	NOUN
cblr-14250	702	10	,	,	PUNCT
cblr-14250	702	11	leaving	leave	VERB
cblr-14250	702	12	the	the	DET
cblr-14250	702	13	united	united	PROPN
cblr-14250	702	14	states	states	PROPN
cblr-14250	702	15	as	as	ADP
cblr-14250	702	16	the	the	DET
cblr-14250	702	17	victor	victor	NOUN
cblr-14250	702	18	by	by	ADP
cblr-14250	702	19	default	default	NOUN
cblr-14250	702	20	.	.	PUNCT
cblr-14250	703	1	a	a	DET
cblr-14250	703	2	rising	rise	VERB
cblr-14250	703	3	availability	availability	NOUN
cblr-14250	703	4	of	of	ADP
cblr-14250	703	5	opportunities	opportunity	NOUN
cblr-14250	703	6	,	,	PUNCT
cblr-14250	703	7	at	at	ADP
cblr-14250	703	8	home	home	NOUN
cblr-14250	703	9	and	and	CCONJ
cblr-14250	703	10	abroad	abroad	ADV
cblr-14250	703	11	,	,	PUNCT
cblr-14250	703	12	for	for	ADP
cblr-14250	703	13	banks	bank	NOUN
cblr-14250	703	14	meant	mean	VERB
cblr-14250	703	15	that	that	SCONJ
cblr-14250	703	16	examiners	examiner	NOUN
cblr-14250	703	17	’	’	PART
cblr-14250	703	18	willingness	willingness	NOUN
cblr-14250	703	19	and	and	CCONJ
cblr-14250	703	20	even	even	ADV
cblr-14250	703	21	ability	ability	NOUN
cblr-14250	703	22	to	to	PART
cblr-14250	703	23	identify	identify	VERB
cblr-14250	703	24	with	with	ADP
cblr-14250	703	25	confidence	confidence	NOUN
cblr-14250	703	26	risk	risk	NOUN
cblr-14250	703	27	factors	factor	NOUN
cblr-14250	703	28	that	that	PRON
cblr-14250	703	29	might	might	AUX
cblr-14250	703	30	end	end	VERB
cblr-14250	703	31	in	in	ADP
cblr-14250	703	32	crisis	crisis	NOUN
cblr-14250	703	33	were	be	AUX
cblr-14250	703	34	checked	check	VERB
cblr-14250	703	35	by	by	ADP
cblr-14250	703	36	market	market	NOUN
cblr-14250	703	37	enthusiasm	enthusiasm	NOUN
cblr-14250	703	38	and	and	CCONJ
cblr-14250	703	39	inexperience	inexperience	NOUN
cblr-14250	703	40	.	.	PUNCT
cblr-14250	704	1	at	at	ADP
cblr-14250	704	2	the	the	DET
cblr-14250	704	3	end	end	NOUN
cblr-14250	704	4	of	of	ADP
cblr-14250	704	5	this	this	DET
cblr-14250	704	6	burst	burst	NOUN
cblr-14250	704	7	of	of	ADP
cblr-14250	704	8	legislative	legislative	ADJ
cblr-14250	704	9	creation	creation	NOUN
cblr-14250	704	10	,	,	PUNCT
cblr-14250	704	11	then	then	ADV
cblr-14250	704	12	,	,	PUNCT
cblr-14250	704	13	stood	stand	VERB
cblr-14250	704	14	the	the	DET
cblr-14250	704	15	u.s	u.s	PROPN
cblr-14250	704	16	.	.	PROPN
cblr-14250	704	17	federal	federal	PROPN
cblr-14250	704	18	reserve	reserve	PROPN
cblr-14250	704	19	system	system	NOUN
cblr-14250	704	20	,	,	PUNCT
cblr-14250	704	21	with	with	ADP
cblr-14250	704	22	a	a	DET
cblr-14250	704	23	supervisory	supervisory	ADJ
cblr-14250	704	24	corps	corps	NOUN
cblr-14250	704	25	that	that	PRON
cblr-14250	704	26	looked	look	VERB
cblr-14250	704	27	much	much	ADV
cblr-14250	704	28	like	like	ADP
cblr-14250	704	29	its	its	PRON
cblr-14250	704	30	alternatives	alternative	NOUN
cblr-14250	704	31	housed	house	VERB
cblr-14250	704	32	in	in	ADP
cblr-14250	704	33	the	the	DET
cblr-14250	704	34	comptroller	comptroller	NOUN
cblr-14250	704	35	and	and	CCONJ
cblr-14250	704	36	state	state	PROPN
cblr-14250	704	37	bank	bank	NOUN
cblr-14250	704	38	regulators	regulator	NOUN
cblr-14250	704	39	,	,	PUNCT
cblr-14250	704	40	but	but	CCONJ
cblr-14250	704	41	with	with	ADP
cblr-14250	704	42	an	an	DET
cblr-14250	704	43	ethos	ethos	NOUN
cblr-14250	704	44	that	that	PRON
cblr-14250	704	45	was	be	AUX
cblr-14250	704	46	fundamentally	fundamentally	ADV
cblr-14250	704	47	different	different	ADJ
cblr-14250	704	48	.	.	PUNCT
cblr-14250	705	1	the	the	DET
cblr-14250	705	2	fed	fed	PROPN
cblr-14250	705	3	’s	’s	PART
cblr-14250	705	4	balance	balance	NOUN
cblr-14250	705	5	sheet	sheet	NOUN
cblr-14250	705	6	put	put	VERB
cblr-14250	705	7	public	public	ADJ
cblr-14250	705	8	and	and	CCONJ
cblr-14250	705	9	private	private	ADJ
cblr-14250	705	10	money	money	NOUN
cblr-14250	705	11	on	on	ADP
cblr-14250	705	12	the	the	DET
cblr-14250	705	13	hook	hook	NOUN
cblr-14250	705	14	for	for	ADP
cblr-14250	705	15	managing	manage	VERB
cblr-14250	705	16	residual	residual	ADJ
cblr-14250	705	17	risk	risk	NOUN
cblr-14250	705	18	.	.	PUNCT
cblr-14250	706	1	but	but	CCONJ
cblr-14250	706	2	the	the	DET
cblr-14250	706	3	purpose	purpose	NOUN
cblr-14250	706	4	was	be	AUX
cblr-14250	706	5	to	to	PART
cblr-14250	706	6	protect	protect	VERB
cblr-14250	706	7	that	that	DET
cblr-14250	706	8	balance	balance	NOUN
cblr-14250	706	9	sheet	sheet	NOUN
cblr-14250	706	10	,	,	PUNCT
cblr-14250	706	11	not	not	PART
cblr-14250	706	12	to	to	PART
cblr-14250	706	13	defend	defend	VERB
cblr-14250	706	14	itself	itself	PRON
cblr-14250	706	15	in	in	ADP
cblr-14250	706	16	an	an	DET
cblr-14250	706	17	evermore	evermore	NOUN
cblr-14250	706	18	heated	heat	VERB
cblr-14250	706	19	competition	competition	NOUN
cblr-14250	706	20	for	for	ADP
cblr-14250	706	21	bank	bank	NOUN
cblr-14250	706	22	charters	charter	NOUN
cblr-14250	706	23	.	.	PUNCT
cblr-14250	707	1	the	the	DET
cblr-14250	707	2	legacy	legacy	NOUN
cblr-14250	707	3	of	of	ADP
cblr-14250	707	4	this	this	DET
cblr-14250	707	5	ethos	ethos	NOUN
cblr-14250	707	6	and	and	CCONJ
cblr-14250	707	7	this	this	DET
cblr-14250	707	8	chartering	chartering	NOUN
cblr-14250	707	9	competition	competition	NOUN
cblr-14250	707	10	within	within	ADP
cblr-14250	707	11	the	the	DET
cblr-14250	707	12	tripartite	tripartite	ADJ
cblr-14250	707	13	bank	bank	NOUN
cblr-14250	707	14	supervisory	supervisory	ADJ
cblr-14250	707	15	landscape	landscape	NOUN
cblr-14250	707	16	would	would	AUX
cblr-14250	707	17	find	find	VERB
cblr-14250	707	18	its	its	PRON
cblr-14250	707	19	nadir	nadir	NOUN
cblr-14250	707	20	in	in	ADP
cblr-14250	707	21	the	the	DET
cblr-14250	707	22	devastating	devastating	ADJ
cblr-14250	707	23	banking	banking	NOUN
cblr-14250	707	24	panics	panic	NOUN
cblr-14250	707	25	of	of	ADP
cblr-14250	707	26	the	the	DET
cblr-14250	707	27	1930s	1930s	NUM
cblr-14250	707	28	.	.	PUNCT
cblr-14250	708	1	d.	d.	PROPN
cblr-14250	708	2	institutional	institutional	PROPN
cblr-14250	708	3	innovation	innovation	PROPN
cblr-14250	708	4	,	,	PUNCT
cblr-14250	708	5	institutional	institutional	ADJ
cblr-14250	708	6	fragmentation	fragmentation	NOUN
cblr-14250	708	7	:	:	PUNCT
cblr-14250	708	8	1925	1925	NUM
cblr-14250	708	9	–	–	PUNCT
cblr-14250	708	10	1945	1945	NUM
cblr-14250	708	11	crisis	crisis	NOUN
cblr-14250	708	12	,	,	PUNCT
cblr-14250	708	13	of	of	ADP
cblr-14250	708	14	course	course	NOUN
cblr-14250	708	15	,	,	PUNCT
cblr-14250	708	16	came	come	VERB
cblr-14250	708	17	as	as	SCONJ
cblr-14250	708	18	it	it	PRON
cblr-14250	708	19	always	always	ADV
cblr-14250	708	20	does	do	VERB
cblr-14250	708	21	—	—	PUNCT
cblr-14250	708	22	slowly	slowly	ADV
cblr-14250	708	23	,	,	PUNCT
cblr-14250	708	24	then	then	ADV
cblr-14250	708	25	suddenly	suddenly	ADV
cblr-14250	708	26	.	.	PUNCT
cblr-14250	709	1	initially	initially	ADV
cblr-14250	709	2	,	,	PUNCT
cblr-14250	709	3	banks	bank	NOUN
cblr-14250	709	4	failed	fail	VERB
cblr-14250	709	5	primarily	primarily	ADV
cblr-14250	709	6	in	in	ADP
cblr-14250	709	7	the	the	DET
cblr-14250	709	8	rural	rural	ADJ
cblr-14250	709	9	agricultural	agricultural	ADJ
cblr-14250	709	10	regions	region	NOUN
cblr-14250	709	11	of	of	ADP
cblr-14250	709	12	the	the	DET
cblr-14250	709	13	midwest	midwest	NOUN
cblr-14250	709	14	and	and	CCONJ
cblr-14250	709	15	southeast	southeast	NOUN
cblr-14250	709	16	.	.	PUNCT
cblr-14250	710	1	suspensions	suspension	NOUN
cblr-14250	710	2	came	come	VERB
cblr-14250	710	3	constantly	constantly	ADV
cblr-14250	710	4	,	,	PUNCT
cblr-14250	710	5	in	in	ADP
cblr-14250	710	6	waves	wave	NOUN
cblr-14250	710	7	.	.	PUNCT
cblr-14250	711	1	in	in	ADP
cblr-14250	711	2	1925	1925	NUM
cblr-14250	711	3	,	,	PUNCT
cblr-14250	711	4	banks	bank	NOUN
cblr-14250	711	5	failed	fail	VERB
cblr-14250	711	6	at	at	ADP
cblr-14250	711	7	a	a	DET
cblr-14250	711	8	rate	rate	NOUN
cblr-14250	711	9	of	of	ADP
cblr-14250	711	10	52	52	NUM
cblr-14250	711	11	a	a	DET
cblr-14250	711	12	month	month	NOUN
cblr-14250	711	13	,	,	PUNCT
cblr-14250	711	14	a	a	DET
cblr-14250	711	15	number	number	NOUN
cblr-14250	711	16	that	that	PRON
cblr-14250	711	17	reached	reach	VERB
cblr-14250	711	18	55	55	NUM
cblr-14250	711	19	a	a	DET
cblr-14250	711	20	month	month	NOUN
cblr-14250	711	21	by	by	ADP
cblr-14250	711	22	1929	1929	NUM
cblr-14250	711	23	.	.	PUNCT
cblr-14250	712	1	most	most	ADJ
cblr-14250	712	2	of	of	ADP
cblr-14250	712	3	these	these	DET
cblr-14250	712	4	failures	failure	NOUN
cblr-14250	712	5	were	be	AUX
cblr-14250	712	6	small	small	ADJ
cblr-14250	712	7	institutions	institution	NOUN
cblr-14250	712	8	;	;	PUNCT
cblr-14250	712	9	sixty	sixty	NUM
cblr-14250	712	10	percent	percent	NOUN
cblr-14250	712	11	had	have	VERB
cblr-14250	712	12	a	a	DET
cblr-14250	712	13	capital	capital	NOUN
cblr-14250	712	14	stock	stock	NOUN
cblr-14250	712	15	of	of	ADP
cblr-14250	712	16	$	$	SYM
cblr-14250	712	17	25,000	25,000	NUM
cblr-14250	712	18	or	or	CCONJ
cblr-14250	712	19	less	less	ADJ
cblr-14250	712	20	;	;	PUNCT
cblr-14250	712	21	four	four	NUM
cblr-14250	712	22	-	-	PUNCT
cblr-14250	712	23	fifths	fifth	NOUN
cblr-14250	712	24	were	be	AUX
cblr-14250	712	25	in	in	ADP
cblr-14250	712	26	towns	town	NOUN
cblr-14250	712	27	of	of	ADP
cblr-14250	712	28	fewer	few	ADJ
cblr-14250	712	29	than	than	ADP
cblr-14250	712	30	2,500	2,500	NUM
cblr-14250	712	31	inhabitants	inhabitant	NOUN
cblr-14250	712	32	.	.	PUNCT
cblr-14250	713	1	the	the	DET
cblr-14250	713	2	vast	vast	ADJ
cblr-14250	713	3	majority	majority	NOUN
cblr-14250	713	4	of	of	ADP
cblr-14250	713	5	130	130	NUM
cblr-14250	713	6	see	see	NOUN
cblr-14250	713	7	e.g.	e.g.	ADV
cblr-14250	713	8	,	,	PUNCT
cblr-14250	713	9	frank	frank	ADJ
cblr-14250	713	10	a.	a.	NOUN
cblr-14250	713	11	vanderlip	vanderlip	PROPN
cblr-14250	713	12	,	,	PUNCT
cblr-14250	713	13	should	should	AUX
cblr-14250	713	14	the	the	DET
cblr-14250	713	15	federal	federal	PROPN
cblr-14250	713	16	reserve	reserve	PROPN
cblr-14250	713	17	banks	bank	NOUN
cblr-14250	713	18	be	be	AUX
cblr-14250	713	19	rechartered	rechartered	ADJ
cblr-14250	713	20	now	now	ADV
cblr-14250	713	21	,	,	PUNCT
cblr-14250	713	22	bankers	banker	NOUN
cblr-14250	713	23	’	'	PUNCT
cblr-14250	713	24	mag	mag	PROPN
cblr-14250	713	25	.	.	PROPN
cblr-14250	713	26	,	,	PUNCT
cblr-14250	713	27	may	may	PROPN
cblr-14250	713	28	1926	1926	NUM
cblr-14250	713	29	,	,	PUNCT
cblr-14250	713	30	at	at	ADP
cblr-14250	713	31	677	677	NUM
cblr-14250	713	32	;	;	PUNCT
cblr-14250	713	33	andrew	andrew	PROPN
cblr-14250	713	34	mellon	mellon	PROPN
cblr-14250	713	35	,	,	PUNCT
cblr-14250	713	36	why	why	SCONJ
cblr-14250	713	37	the	the	DET
cblr-14250	713	38	reserve	reserve	PROPN
cblr-14250	713	39	bank	bank	PROPN
cblr-14250	713	40	charters	charter	NOUN
cblr-14250	713	41	should	should	AUX
cblr-14250	713	42	be	be	AUX
cblr-14250	713	43	renewed	renew	VERB
cblr-14250	713	44	now	now	ADV
cblr-14250	713	45	,	,	PUNCT
cblr-14250	713	46	bankers	banker	NOUN
cblr-14250	713	47	’	'	PUNCT
cblr-14250	713	48	mag	mag	PROPN
cblr-14250	713	49	.	.	PROPN
cblr-14250	713	50	,	,	PUNCT
cblr-14250	713	51	jun	jun	PROPN
cblr-14250	713	52	.	.	PROPN
cblr-14250	713	53	1926	1926	NUM
cblr-14250	713	54	,	,	PUNCT
cblr-14250	713	55	at	at	ADP
cblr-14250	713	56	805	805	NUM
cblr-14250	713	57	.	.	PUNCT
cblr-14250	714	1	184	184	NUM
cblr-14250	714	2	columbia	columbia	PROPN
cblr-14250	714	3	business	business	NOUN
cblr-14250	714	4	law	law	PROPN
cblr-14250	714	5	review	review	NOUN
cblr-14250	714	6	[	[	X
cblr-14250	714	7	vol	vol	NOUN
cblr-14250	714	8	.	.	PUNCT
cblr-14250	714	9	2025	2025	NUM
cblr-14250	714	10	these	these	PRON
cblr-14250	714	11	were	be	AUX
cblr-14250	714	12	neither	neither	CCONJ
cblr-14250	714	13	national	national	ADJ
cblr-14250	714	14	banks	bank	NOUN
cblr-14250	714	15	nor	nor	CCONJ
cblr-14250	714	16	members	member	NOUN
cblr-14250	714	17	of	of	ADP
cblr-14250	714	18	the	the	DET
cblr-14250	714	19	federal	federal	PROPN
cblr-14250	714	20	reserve	reserve	PROPN
cblr-14250	714	21	system.131	system.131	VERB
cblr-14250	714	22	by	by	ADP
cblr-14250	714	23	1930	1930	NUM
cblr-14250	714	24	,	,	PUNCT
cblr-14250	714	25	the	the	DET
cblr-14250	714	26	pace	pace	NOUN
cblr-14250	714	27	of	of	ADP
cblr-14250	714	28	failure	failure	NOUN
cblr-14250	714	29	quickened	quicken	VERB
cblr-14250	714	30	,	,	PUNCT
cblr-14250	714	31	revealing	reveal	VERB
cblr-14250	714	32	profound	profound	ADJ
cblr-14250	714	33	inadequacies	inadequacy	NOUN
cblr-14250	714	34	within	within	ADP
cblr-14250	714	35	the	the	DET
cblr-14250	714	36	supervisory	supervisory	ADJ
cblr-14250	714	37	toolkit	toolkit	NOUN
cblr-14250	714	38	and	and	CCONJ
cblr-14250	714	39	prevailing	prevail	VERB
cblr-14250	714	40	modes	mode	NOUN
cblr-14250	714	41	of	of	ADP
cblr-14250	714	42	risk	risk	NOUN
cblr-14250	714	43	management.132	management.132	NUM
cblr-14250	714	44	in	in	ADP
cblr-14250	714	45	the	the	DET
cblr-14250	714	46	decades	decade	NOUN
cblr-14250	714	47	prior	prior	ADV
cblr-14250	714	48	,	,	PUNCT
cblr-14250	714	49	states	state	NOUN
cblr-14250	714	50	and	and	CCONJ
cblr-14250	714	51	the	the	DET
cblr-14250	714	52	federal	federal	ADJ
cblr-14250	714	53	government	government	NOUN
cblr-14250	714	54	had	have	AUX
cblr-14250	714	55	ceased	cease	VERB
cblr-14250	714	56	using	use	VERB
cblr-14250	714	57	chartering	chartering	NOUN
cblr-14250	714	58	as	as	ADP
cblr-14250	714	59	a	a	DET
cblr-14250	714	60	site	site	NOUN
cblr-14250	714	61	of	of	ADP
cblr-14250	714	62	supervisory	supervisory	ADJ
cblr-14250	714	63	discretion	discretion	NOUN
cblr-14250	714	64	.	.	PUNCT
cblr-14250	715	1	moreover	moreover	ADV
cblr-14250	715	2	,	,	PUNCT
cblr-14250	715	3	the	the	DET
cblr-14250	715	4	continued	continue	VERB
cblr-14250	715	5	upsurge	upsurge	NOUN
cblr-14250	715	6	in	in	ADP
cblr-14250	715	7	bank	bank	NOUN
cblr-14250	715	8	deposits	deposit	NOUN
cblr-14250	715	9	meant	mean	VERB
cblr-14250	715	10	that	that	SCONJ
cblr-14250	715	11	depositors	depositor	NOUN
cblr-14250	715	12	bore	bear	VERB
cblr-14250	715	13	an	an	DET
cblr-14250	715	14	ever	ever	ADV
cblr-14250	715	15	-	-	PUNCT
cblr-14250	715	16	larger	large	ADJ
cblr-14250	715	17	quotient	quotient	NOUN
cblr-14250	715	18	of	of	ADP
cblr-14250	715	19	financial	financial	ADJ
cblr-14250	715	20	risk	risk	NOUN
cblr-14250	715	21	in	in	ADP
cblr-14250	715	22	relation	relation	NOUN
cblr-14250	715	23	to	to	ADP
cblr-14250	715	24	bank	bank	NOUN
cblr-14250	715	25	shareholders	shareholder	NOUN
cblr-14250	715	26	,	,	PUNCT
cblr-14250	715	27	whose	whose	DET
cblr-14250	715	28	liability	liability	NOUN
cblr-14250	715	29	was	be	AUX
cblr-14250	715	30	capped	cap	VERB
cblr-14250	715	31	.	.	PUNCT
cblr-14250	716	1	this	this	DET
cblr-14250	716	2	imbalance	imbalance	NOUN
cblr-14250	716	3	likely	likely	ADV
cblr-14250	716	4	encouraged	encourage	VERB
cblr-14250	716	5	entrepreneurs	entrepreneur	NOUN
cblr-14250	716	6	to	to	PART
cblr-14250	716	7	found	found	VERB
cblr-14250	716	8	far	far	ADV
cblr-14250	716	9	more	more	ADJ
cblr-14250	716	10	banks	bank	NOUN
cblr-14250	716	11	than	than	ADP
cblr-14250	716	12	necessary	necessary	ADJ
cblr-14250	716	13	.	.	PUNCT
cblr-14250	717	1	despite	despite	SCONJ
cblr-14250	717	2	the	the	DET
cblr-14250	717	3	creation	creation	NOUN
cblr-14250	717	4	of	of	ADP
cblr-14250	717	5	a	a	DET
cblr-14250	717	6	federal	federal	ADJ
cblr-14250	717	7	balance	balance	NOUN
cblr-14250	717	8	sheet	sheet	NOUN
cblr-14250	717	9	to	to	PART
cblr-14250	717	10	promote	promote	VERB
cblr-14250	717	11	financial	financial	ADJ
cblr-14250	717	12	stability	stability	NOUN
cblr-14250	717	13	,	,	PUNCT
cblr-14250	717	14	the	the	DET
cblr-14250	717	15	deployment	deployment	NOUN
cblr-14250	717	16	of	of	ADP
cblr-14250	717	17	that	that	DET
cblr-14250	717	18	balance	balance	NOUN
cblr-14250	717	19	sheet	sheet	NOUN
cblr-14250	717	20	for	for	ADP
cblr-14250	717	21	residual	residual	ADJ
cblr-14250	717	22	risk	risk	NOUN
cblr-14250	717	23	management	management	NOUN
cblr-14250	717	24	was	be	AUX
cblr-14250	717	25	not	not	PART
cblr-14250	717	26	yet	yet	ADV
cblr-14250	717	27	the	the	DET
cblr-14250	717	28	modus	modus	ADJ
cblr-14250	717	29	operandi	operandi	X
cblr-14250	717	30	.	.	PUNCT
cblr-14250	718	1	supervision	supervision	NOUN
cblr-14250	718	2	remained	remain	VERB
cblr-14250	718	3	rooted	rooted	ADJ
cblr-14250	718	4	in	in	ADP
cblr-14250	718	5	a	a	DET
cblr-14250	718	6	postbellum	postbellum	NOUN
cblr-14250	718	7	ethos	ethos	NOUN
cblr-14250	718	8	of	of	ADP
cblr-14250	718	9	mostly	mostly	ADV
cblr-14250	718	10	toothless	toothless	ADJ
cblr-14250	718	11	discretion	discretion	NOUN
cblr-14250	718	12	;	;	PUNCT
cblr-14250	718	13	supervisors	supervisor	NOUN
cblr-14250	718	14	could	could	AUX
cblr-14250	718	15	scold	scold	VERB
cblr-14250	718	16	bankers	banker	NOUN
cblr-14250	718	17	for	for	ADP
cblr-14250	718	18	their	their	PRON
cblr-14250	718	19	decisions	decision	NOUN
cblr-14250	718	20	but	but	CCONJ
cblr-14250	718	21	had	have	VERB
cblr-14250	718	22	little	little	ADJ
cblr-14250	718	23	else	else	ADV
cblr-14250	718	24	they	they	PRON
cblr-14250	718	25	could	could	AUX
cblr-14250	718	26	do	do	VERB
cblr-14250	718	27	besides	besides	AUX
cblr-14250	718	28	send	send	VERB
cblr-14250	718	29	them	they	PRON
cblr-14250	718	30	into	into	ADP
cblr-14250	718	31	receivership	receivership	NOUN
cblr-14250	718	32	—	—	PUNCT
cblr-14250	718	33	something	something	PRON
cblr-14250	718	34	that	that	PRON
cblr-14250	718	35	bankers	banker	NOUN
cblr-14250	718	36	,	,	PUNCT
cblr-14250	718	37	politicians	politician	NOUN
cblr-14250	718	38	,	,	PUNCT
cblr-14250	718	39	and	and	CCONJ
cblr-14250	718	40	even	even	ADV
cblr-14250	718	41	supervisors	supervisor	NOUN
cblr-14250	718	42	themselves	themselves	PRON
cblr-14250	718	43	were	be	AUX
cblr-14250	718	44	often	often	ADV
cblr-14250	718	45	loathe	loathe	ADJ
cblr-14250	718	46	to	to	PART
cblr-14250	718	47	do	do	VERB
cblr-14250	718	48	.	.	PUNCT
cblr-14250	719	1	with	with	ADP
cblr-14250	719	2	so	so	ADV
cblr-14250	719	3	many	many	ADJ
cblr-14250	719	4	banks	bank	NOUN
cblr-14250	719	5	already	already	ADV
cblr-14250	719	6	in	in	ADP
cblr-14250	719	7	existence	existence	NOUN
cblr-14250	719	8	,	,	PUNCT
cblr-14250	719	9	the	the	DET
cblr-14250	719	10	primary	primary	ADJ
cblr-14250	719	11	reform	reform	NOUN
cblr-14250	719	12	options	option	NOUN
cblr-14250	719	13	centered	center	VERB
cblr-14250	719	14	on	on	ADP
cblr-14250	719	15	different	different	ADJ
cblr-14250	719	16	ways	way	NOUN
cblr-14250	719	17	of	of	ADP
cblr-14250	719	18	diversifying	diversify	VERB
cblr-14250	719	19	bank	bank	NOUN
cblr-14250	719	20	assets	asset	NOUN
cblr-14250	719	21	(	(	PUNCT
cblr-14250	719	22	that	that	PRON
cblr-14250	719	23	is	be	AUX
cblr-14250	719	24	to	to	PART
cblr-14250	719	25	say	say	VERB
cblr-14250	719	26	,	,	PUNCT
cblr-14250	719	27	encouraging	encourage	VERB
cblr-14250	719	28	private	private	ADJ
cblr-14250	719	29	risk	risk	NOUN
cblr-14250	719	30	management	management	NOUN
cblr-14250	719	31	)	)	PUNCT
cblr-14250	719	32	,	,	PUNCT
cblr-14250	719	33	either	either	CCONJ
cblr-14250	719	34	through	through	ADP
cblr-14250	719	35	branch	branch	NOUN
cblr-14250	719	36	banking	banking	NOUN
cblr-14250	719	37	(	(	PUNCT
cblr-14250	719	38	diversifying	diversify	VERB
cblr-14250	719	39	exposure	exposure	NOUN
cblr-14250	719	40	to	to	ADP
cblr-14250	719	41	rural	rural	ADJ
cblr-14250	719	42	and	and	CCONJ
cblr-14250	719	43	urban	urban	ADJ
cblr-14250	719	44	loans	loan	NOUN
cblr-14250	719	45	)	)	PUNCT
cblr-14250	719	46	and	and	CCONJ
cblr-14250	719	47	asset	asset	NOUN
cblr-14250	719	48	liberalization	liberalization	NOUN
cblr-14250	719	49	(	(	PUNCT
cblr-14250	719	50	enabling	enable	VERB
cblr-14250	719	51	banks	bank	NOUN
cblr-14250	719	52	to	to	PART
cblr-14250	719	53	buy	buy	VERB
cblr-14250	719	54	bonds	bond	NOUN
cblr-14250	719	55	,	,	PUNCT
cblr-14250	719	56	engage	engage	VERB
cblr-14250	719	57	in	in	ADP
cblr-14250	719	58	long	long	ADJ
cblr-14250	719	59	term	term	NOUN
cblr-14250	719	60	lending	lending	NOUN
cblr-14250	719	61	,	,	PUNCT
cblr-14250	719	62	and	and	CCONJ
cblr-14250	719	63	more	more	ADJ
cblr-14250	719	64	)	)	PUNCT
cblr-14250	719	65	.	.	PUNCT
cblr-14250	720	1	the	the	DET
cblr-14250	720	2	mcfadden	mcfadden	PROPN
cblr-14250	720	3	act	act	PROPN
cblr-14250	720	4	131	131	NUM
cblr-14250	720	5	eugene	eugene	PROPN
cblr-14250	720	6	n.	n.	PROPN
cblr-14250	720	7	white	white	PROPN
cblr-14250	720	8	,	,	PUNCT
cblr-14250	720	9	the	the	DET
cblr-14250	720	10	regulation	regulation	NOUN
cblr-14250	720	11	and	and	CCONJ
cblr-14250	720	12	reform	reform	NOUN
cblr-14250	720	13	of	of	ADP
cblr-14250	720	14	the	the	DET
cblr-14250	720	15	american	american	ADJ
cblr-14250	720	16	banking	banking	NOUN
cblr-14250	720	17	system	system	NOUN
cblr-14250	720	18	,	,	PUNCT
cblr-14250	720	19	1900–1929	1900–1929	NUM
cblr-14250	720	20	,	,	PUNCT
cblr-14250	720	21	at	at	ADP
cblr-14250	720	22	126–87	126–87	NUM
cblr-14250	720	23	,	,	PUNCT
cblr-14250	720	24	esp	esp	ADJ
cblr-14250	720	25	.	.	PUNCT
cblr-14250	721	1	132	132	NUM
cblr-14250	721	2	(	(	PUNCT
cblr-14250	721	3	1983	1983	NUM
cblr-14250	721	4	)	)	PUNCT
cblr-14250	721	5	;	;	PUNCT
cblr-14250	721	6	wicker	wicker	NOUN
cblr-14250	721	7	,	,	PUNCT
cblr-14250	721	8	supra	supra	PROPN
cblr-14250	721	9	note	note	PROPN
cblr-14250	721	10	84	84	NUM
cblr-14250	721	11	,	,	PUNCT
cblr-14250	721	12	at	at	ADP
cblr-14250	721	13	5–6	5–6	NUM
cblr-14250	721	14	;	;	PUNCT
cblr-14250	721	15	gary	gary	PROPN
cblr-14250	721	16	richardson	richardson	PROPN
cblr-14250	721	17	,	,	PUNCT
cblr-14250	721	18	categories	category	NOUN
cblr-14250	721	19	and	and	CCONJ
cblr-14250	721	20	causes	cause	NOUN
cblr-14250	721	21	of	of	ADP
cblr-14250	721	22	bank	bank	NOUN
cblr-14250	721	23	distress	distress	NOUN
cblr-14250	721	24	during	during	ADP
cblr-14250	721	25	the	the	DET
cblr-14250	721	26	great	great	ADJ
cblr-14250	721	27	depression	depression	NOUN
cblr-14250	721	28	,	,	PUNCT
cblr-14250	721	29	1929–1933	1929–1933	NUM
cblr-14250	721	30	:	:	PUNCT
cblr-14250	721	31	the	the	DET
cblr-14250	721	32	illiquidity	illiquidity	NOUN
cblr-14250	721	33	versus	versus	ADP
cblr-14250	721	34	insolvency	insolvency	NOUN
cblr-14250	721	35	debate	debate	NOUN
cblr-14250	721	36	revisited	revisit	VERB
cblr-14250	721	37	,	,	PUNCT
cblr-14250	721	38	44	44	NUM
cblr-14250	721	39	expl	expl	NOUN
cblr-14250	721	40	.	.	PUNCT
cblr-14250	722	1	in	in	ADP
cblr-14250	722	2	econ	econ	PROPN
cblr-14250	722	3	.	.	PUNCT
cblr-14250	723	1	hist	hist	PROPN
cblr-14250	723	2	.	.	PUNCT
cblr-14250	724	1	588	588	NUM
cblr-14250	724	2	(	(	PUNCT
cblr-14250	724	3	2007	2007	NUM
cblr-14250	724	4	)	)	PUNCT
cblr-14250	724	5	.	.	PUNCT
cblr-14250	725	1	132	132	NUM
cblr-14250	725	2	off	off	ADP
cblr-14250	725	3	.	.	PUNCT
cblr-14250	726	1	of	of	ADP
cblr-14250	726	2	the	the	DET
cblr-14250	726	3	comptroller	comptroller	NOUN
cblr-14250	726	4	of	of	ADP
cblr-14250	726	5	the	the	DET
cblr-14250	726	6	currency	currency	NOUN
cblr-14250	726	7	,	,	PUNCT
cblr-14250	726	8	doc	doc	PROPN
cblr-14250	726	9	.	.	PUNCT
cblr-14250	726	10	no	no	INTJ
cblr-14250	726	11	.	.	PUNCT
cblr-14250	726	12	3032	3032	NUM
cblr-14250	726	13	,	,	PUNCT
cblr-14250	726	14	annual	annual	ADJ
cblr-14250	726	15	report	report	NOUN
cblr-14250	726	16	of	of	ADP
cblr-14250	726	17	the	the	DET
cblr-14250	726	18	comptroller	comptroller	NOUN
cblr-14250	726	19	of	of	ADP
cblr-14250	726	20	the	the	DET
cblr-14250	726	21	currency	currency	NOUN
cblr-14250	726	22	2–3	2–3	NUM
cblr-14250	726	23	(	(	PUNCT
cblr-14250	726	24	1930	1930	NUM
cblr-14250	726	25	)	)	PUNCT
cblr-14250	726	26	;	;	PUNCT
cblr-14250	726	27	off	off	ADP
cblr-14250	726	28	.	.	PUNCT
cblr-14250	727	1	of	of	ADP
cblr-14250	727	2	the	the	DET
cblr-14250	727	3	comptroller	comptroller	NOUN
cblr-14250	727	4	of	of	ADP
cblr-14250	727	5	the	the	DET
cblr-14250	727	6	currency	currency	NOUN
cblr-14250	727	7	,	,	PUNCT
cblr-14250	727	8	doc	doc	PROPN
cblr-14250	727	9	.	.	PUNCT
cblr-14250	727	10	no	no	PROPN
cblr-14250	727	11	.	.	NOUN
cblr-14250	727	12	3046	3046	NUM
cblr-14250	727	13	,	,	PUNCT
cblr-14250	727	14	annual	annual	ADJ
cblr-14250	727	15	report	report	NOUN
cblr-14250	727	16	of	of	ADP
cblr-14250	727	17	the	the	DET
cblr-14250	727	18	comptroller	comptroller	NOUN
cblr-14250	727	19	of	of	ADP
cblr-14250	727	20	the	the	DET
cblr-14250	727	21	currency	currency	NOUN
cblr-14250	727	22	2	2	NUM
cblr-14250	727	23	(	(	PUNCT
cblr-14250	727	24	1931	1931	NUM
cblr-14250	727	25	)	)	PUNCT
cblr-14250	727	26	;	;	PUNCT
cblr-14250	727	27	eugene	eugene	PROPN
cblr-14250	727	28	n.	n.	PROPN
cblr-14250	727	29	white	white	PROPN
cblr-14250	727	30	,	,	PUNCT
cblr-14250	727	31	‘	'	PUNCT
cblr-14250	727	32	to	to	PART
cblr-14250	727	33	establish	establish	VERB
cblr-14250	727	34	a	a	DET
cblr-14250	727	35	more	more	ADV
cblr-14250	727	36	effective	effective	ADJ
cblr-14250	727	37	supervision	supervision	NOUN
cblr-14250	727	38	of	of	ADP
cblr-14250	727	39	banking	banking	NOUN
cblr-14250	727	40	’	'	PUNCT
cblr-14250	727	41	:	:	PUNCT
cblr-14250	728	1	how	how	SCONJ
cblr-14250	728	2	the	the	DET
cblr-14250	728	3	birth	birth	NOUN
cblr-14250	728	4	of	of	ADP
cblr-14250	728	5	the	the	DET
cblr-14250	728	6	fed	fed	PROPN
cblr-14250	728	7	altered	alter	VERB
cblr-14250	728	8	bank	bank	PROPN
cblr-14250	728	9	supervision	supervision	NOUN
cblr-14250	728	10	,	,	PUNCT
cblr-14250	728	11	in	in	ADP
cblr-14250	728	12	a	a	DET
cblr-14250	728	13	return	return	NOUN
cblr-14250	728	14	to	to	ADP
cblr-14250	728	15	jekyll	jekyll	PROPN
cblr-14250	728	16	island	island	PROPN
cblr-14250	728	17	:	:	PUNCT
cblr-14250	728	18	the	the	DET
cblr-14250	728	19	origins	origin	NOUN
cblr-14250	728	20	,	,	PUNCT
cblr-14250	728	21	history	history	NOUN
cblr-14250	728	22	,	,	PUNCT
cblr-14250	728	23	and	and	CCONJ
cblr-14250	728	24	future	future	NOUN
cblr-14250	728	25	of	of	ADP
cblr-14250	728	26	the	the	DET
cblr-14250	728	27	federal	federal	PROPN
cblr-14250	728	28	reserve	reserve	PROPN
cblr-14250	728	29	46	46	NUM
cblr-14250	728	30	(	(	PUNCT
cblr-14250	728	31	michael	michael	PROPN
cblr-14250	728	32	d.	d.	PROPN
cblr-14250	728	33	bordo	bordo	PROPN
cblr-14250	728	34	&	&	CCONJ
cblr-14250	728	35	william	william	PROPN
cblr-14250	728	36	roberds	roberds	PROPN
cblr-14250	728	37	eds	eds	PROPN
cblr-14250	728	38	.	.	PROPN
cblr-14250	728	39	,	,	PUNCT
cblr-14250	728	40	2013	2013	NUM
cblr-14250	728	41	)	)	PUNCT
cblr-14250	728	42	.	.	PUNCT
cblr-14250	729	1	no	no	INTJ
cblr-14250	729	2	.	.	NOUN
cblr-14250	729	3	1	1	NUM
cblr-14250	729	4	]	]	PUNCT
cblr-14250	729	5	risk	risk	NOUN
cblr-14250	729	6	,	,	PUNCT
cblr-14250	729	7	discretion	discretion	NOUN
cblr-14250	729	8	,	,	PUNCT
cblr-14250	729	9	and	and	CCONJ
cblr-14250	729	10	bank	bank	NOUN
cblr-14250	729	11	supervision	supervision	NOUN
cblr-14250	729	12	185	185	NUM
cblr-14250	729	13	took	take	VERB
cblr-14250	729	14	steps	step	NOUN
cblr-14250	729	15	toward	toward	ADP
cblr-14250	729	16	branching	branch	VERB
cblr-14250	729	17	and	and	CCONJ
cblr-14250	729	18	asset	asset	NOUN
cblr-14250	729	19	liberalization	liberalization	NOUN
cblr-14250	729	20	,	,	PUNCT
cblr-14250	729	21	with	with	ADP
cblr-14250	729	22	mixed	mixed	ADJ
cblr-14250	729	23	results.133	results.133	PROPN
cblr-14250	729	24	in	in	ADP
cblr-14250	729	25	essence	essence	NOUN
cblr-14250	729	26	,	,	PUNCT
cblr-14250	729	27	as	as	SCONJ
cblr-14250	729	28	the	the	DET
cblr-14250	729	29	crisis	crisis	NOUN
cblr-14250	729	30	deepened	deepen	VERB
cblr-14250	729	31	after	after	ADP
cblr-14250	729	32	the	the	DET
cblr-14250	729	33	stock	stock	NOUN
cblr-14250	729	34	market	market	NOUN
cblr-14250	729	35	crash	crash	NOUN
cblr-14250	729	36	in	in	ADP
cblr-14250	729	37	1929	1929	NUM
cblr-14250	729	38	,	,	PUNCT
cblr-14250	729	39	supervisors	supervisor	NOUN
cblr-14250	729	40	were	be	AUX
cblr-14250	729	41	in	in	ADP
cblr-14250	729	42	a	a	DET
cblr-14250	729	43	bind	bind	NOUN
cblr-14250	729	44	.	.	PUNCT
cblr-14250	730	1	they	they	PRON
cblr-14250	730	2	took	take	VERB
cblr-14250	730	3	the	the	DET
cblr-14250	730	4	view	view	NOUN
cblr-14250	730	5	that	that	SCONJ
cblr-14250	730	6	bankers	banker	NOUN
cblr-14250	730	7	still	still	ADV
cblr-14250	730	8	owned	own	VERB
cblr-14250	730	9	the	the	DET
cblr-14250	730	10	risk	risk	NOUN
cblr-14250	730	11	in	in	ADP
cblr-14250	730	12	the	the	DET
cblr-14250	730	13	financial	financial	ADJ
cblr-14250	730	14	system	system	NOUN
cblr-14250	730	15	,	,	PUNCT
cblr-14250	730	16	but	but	CCONJ
cblr-14250	730	17	they	they	PRON
cblr-14250	730	18	also	also	ADV
cblr-14250	730	19	understood	understand	VERB
cblr-14250	730	20	that	that	SCONJ
cblr-14250	730	21	those	those	DET
cblr-14250	730	22	risks	risk	NOUN
cblr-14250	730	23	were	be	AUX
cblr-14250	730	24	asymmetric	asymmetric	ADJ
cblr-14250	730	25	,	,	PUNCT
cblr-14250	730	26	falling	fall	VERB
cblr-14250	730	27	narrowly	narrowly	ADV
cblr-14250	730	28	on	on	ADP
cblr-14250	730	29	bank	bank	NOUN
cblr-14250	730	30	depositors	depositor	NOUN
cblr-14250	730	31	and	and	CCONJ
cblr-14250	730	32	more	more	ADV
cblr-14250	730	33	broadly	broadly	ADV
cblr-14250	730	34	on	on	ADP
cblr-14250	730	35	the	the	DET
cblr-14250	730	36	communities	community	NOUN
cblr-14250	730	37	served	serve	VERB
cblr-14250	730	38	by	by	ADP
cblr-14250	730	39	small	small	ADJ
cblr-14250	730	40	banks	bank	NOUN
cblr-14250	730	41	.	.	PUNCT
cblr-14250	731	1	as	as	ADP
cblr-14250	731	2	such	such	ADJ
cblr-14250	731	3	,	,	PUNCT
cblr-14250	731	4	although	although	SCONJ
cblr-14250	731	5	supervisors	supervisor	NOUN
cblr-14250	731	6	understood	understand	VERB
cblr-14250	731	7	the	the	DET
cblr-14250	731	8	dire	dire	ADJ
cblr-14250	731	9	condition	condition	NOUN
cblr-14250	731	10	of	of	ADP
cblr-14250	731	11	the	the	DET
cblr-14250	731	12	banks	bank	NOUN
cblr-14250	731	13	,	,	PUNCT
cblr-14250	731	14	they	they	PRON
cblr-14250	731	15	would	would	AUX
cblr-14250	731	16	not	not	PART
cblr-14250	731	17	take	take	VERB
cblr-14250	731	18	responsibility	responsibility	NOUN
cblr-14250	731	19	for	for	ADP
cblr-14250	731	20	closing	close	VERB
cblr-14250	731	21	them	they	PRON
cblr-14250	731	22	.	.	PUNCT
cblr-14250	732	1	the	the	DET
cblr-14250	732	2	political	political	ADJ
cblr-14250	732	3	consequences	consequence	NOUN
cblr-14250	732	4	were	be	AUX
cblr-14250	732	5	too	too	ADV
cblr-14250	732	6	dire	dire	ADJ
cblr-14250	732	7	.	.	PUNCT
cblr-14250	733	1	throughout	throughout	ADP
cblr-14250	733	2	the	the	DET
cblr-14250	733	3	banking	banking	NOUN
cblr-14250	733	4	crises	crisis	NOUN
cblr-14250	733	5	of	of	ADP
cblr-14250	733	6	the	the	DET
cblr-14250	733	7	1930s	1930	NOUN
cblr-14250	733	8	,	,	PUNCT
cblr-14250	733	9	supervisors	supervisor	NOUN
cblr-14250	733	10	practiced	practice	VERB
cblr-14250	733	11	forbearance	forbearance	NOUN
cblr-14250	733	12	,	,	PUNCT
cblr-14250	733	13	trying	try	VERB
cblr-14250	733	14	to	to	PART
cblr-14250	733	15	instill	instill	VERB
cblr-14250	733	16	public	public	ADJ
cblr-14250	733	17	confidence	confidence	NOUN
cblr-14250	733	18	by	by	ADP
cblr-14250	733	19	keeping	keep	VERB
cblr-14250	733	20	the	the	DET
cblr-14250	733	21	banks	bank	NOUN
cblr-14250	733	22	open	open	ADJ
cblr-14250	733	23	.	.	PUNCT
cblr-14250	734	1	when	when	SCONJ
cblr-14250	734	2	the	the	DET
cblr-14250	734	3	need	need	NOUN
cblr-14250	734	4	for	for	ADP
cblr-14250	734	5	assertive	assertive	ADJ
cblr-14250	734	6	rescue	rescue	NOUN
cblr-14250	734	7	action	action	NOUN
cblr-14250	734	8	became	become	VERB
cblr-14250	734	9	unavoidable	unavoidable	ADJ
cblr-14250	734	10	,	,	PUNCT
cblr-14250	734	11	hoover	hoover	PROPN
cblr-14250	734	12	looked	look	VERB
cblr-14250	734	13	to	to	ADP
cblr-14250	734	14	private	private	ADJ
cblr-14250	734	15	risk	risk	NOUN
cblr-14250	734	16	management	management	NOUN
cblr-14250	734	17	,	,	PUNCT
cblr-14250	734	18	organizing	organize	VERB
cblr-14250	734	19	the	the	DET
cblr-14250	734	20	national	national	ADJ
cblr-14250	734	21	credit	credit	NOUN
cblr-14250	734	22	corporation	corporation	NOUN
cblr-14250	734	23	to	to	PART
cblr-14250	734	24	take	take	VERB
cblr-14250	734	25	on	on	ADP
cblr-14250	734	26	risk	risk	NOUN
cblr-14250	734	27	that	that	SCONJ
cblr-14250	734	28	the	the	DET
cblr-14250	734	29	federal	federal	PROPN
cblr-14250	734	30	reserve	reserve	PROPN
cblr-14250	734	31	banks	bank	NOUN
cblr-14250	734	32	would	would	AUX
cblr-14250	734	33	not	not	PART
cblr-14250	734	34	.	.	PUNCT
cblr-14250	735	1	as	as	SCONJ
cblr-14250	735	2	the	the	DET
cblr-14250	735	3	pace	pace	NOUN
cblr-14250	735	4	of	of	ADP
cblr-14250	735	5	failure	failure	NOUN
cblr-14250	735	6	accelerated	accelerate	VERB
cblr-14250	735	7	in	in	ADP
cblr-14250	735	8	1931	1931	NUM
cblr-14250	735	9	-	-	SYM
cblr-14250	735	10	1932	1932	NUM
cblr-14250	735	11	,	,	PUNCT
cblr-14250	735	12	so	so	ADV
cblr-14250	735	13	too	too	ADV
cblr-14250	735	14	did	do	VERB
cblr-14250	735	15	the	the	DET
cblr-14250	735	16	deterioration	deterioration	NOUN
cblr-14250	735	17	of	of	ADP
cblr-14250	735	18	herbert	herbert	PROPN
cblr-14250	735	19	hoover	hoover	PROPN
cblr-14250	735	20	’s	’s	PART
cblr-14250	735	21	political	political	ADJ
cblr-14250	735	22	prospects	prospect	NOUN
cblr-14250	735	23	.	.	PUNCT
cblr-14250	736	1	after	after	ADP
cblr-14250	736	2	franklin	franklin	PROPN
cblr-14250	736	3	roosevelt	roosevelt	PROPN
cblr-14250	736	4	’s	’s	PART
cblr-14250	736	5	landslide	landslide	NOUN
cblr-14250	736	6	in	in	ADP
cblr-14250	736	7	1932	1932	NUM
cblr-14250	736	8	,	,	PUNCT
cblr-14250	736	9	things	thing	NOUN
cblr-14250	736	10	got	get	VERB
cblr-14250	736	11	worse	bad	ADJ
cblr-14250	736	12	,	,	PUNCT
cblr-14250	736	13	starting	start	VERB
cblr-14250	736	14	in	in	ADP
cblr-14250	736	15	the	the	DET
cblr-14250	736	16	upper	upper	ADJ
cblr-14250	736	17	midwest	midwest	NOUN
cblr-14250	736	18	and	and	CCONJ
cblr-14250	736	19	soon	soon	ADV
cblr-14250	736	20	spreading	spread	VERB
cblr-14250	736	21	to	to	ADP
cblr-14250	736	22	the	the	DET
cblr-14250	736	23	rest	rest	NOUN
cblr-14250	736	24	of	of	ADP
cblr-14250	736	25	the	the	DET
cblr-14250	736	26	country	country	NOUN
cblr-14250	736	27	.	.	PUNCT
cblr-14250	737	1	within	within	ADP
cblr-14250	737	2	hours	hour	NOUN
cblr-14250	737	3	of	of	ADP
cblr-14250	737	4	roosevelt	roosevelt	PROPN
cblr-14250	737	5	’s	’s	PART
cblr-14250	737	6	inauguration	inauguration	NOUN
cblr-14250	737	7	in	in	ADP
cblr-14250	737	8	1933	1933	NUM
cblr-14250	737	9	,	,	PUNCT
cblr-14250	737	10	the	the	DET
cblr-14250	737	11	entire	entire	ADJ
cblr-14250	737	12	national	national	ADJ
cblr-14250	737	13	financial	financial	ADJ
cblr-14250	737	14	system	system	NOUN
cblr-14250	737	15	was	be	AUX
cblr-14250	737	16	shut	shut	VERB
cblr-14250	737	17	down	down	ADP
cblr-14250	737	18	in	in	ADP
cblr-14250	737	19	a	a	DET
cblr-14250	737	20	government	government	NOUN
cblr-14250	737	21	-	-	PUNCT
cblr-14250	737	22	ordered	order	VERB
cblr-14250	737	23	“	"	PUNCT
cblr-14250	737	24	holiday	holiday	NOUN
cblr-14250	737	25	.	.	PUNCT
cblr-14250	737	26	”134	”134	PUNCT
cblr-14250	738	1	this	this	DET
cblr-14250	738	2	episode	episode	NOUN
cblr-14250	738	3	is	be	AUX
cblr-14250	738	4	simultaneously	simultaneously	ADV
cblr-14250	738	5	one	one	NUM
cblr-14250	738	6	of	of	ADP
cblr-14250	738	7	the	the	DET
cblr-14250	738	8	most	most	ADV
cblr-14250	738	9	important	important	ADJ
cblr-14250	738	10	in	in	ADP
cblr-14250	738	11	u.s	u.s	PROPN
cblr-14250	738	12	.	.	PROPN
cblr-14250	738	13	political	political	ADJ
cblr-14250	738	14	history	history	NOUN
cblr-14250	738	15	and	and	CCONJ
cblr-14250	738	16	one	one	NUM
cblr-14250	738	17	of	of	ADP
cblr-14250	738	18	the	the	DET
cblr-14250	738	19	most	most	ADJ
cblr-14250	738	20	misunderstood.135	misunderstood.135	NOUN
cblr-14250	738	21	133	133	NUM
cblr-14250	738	22	see	see	VERB
cblr-14250	738	23	h.	h.	PROPN
cblr-14250	738	24	h.	h.	PROPN
cblr-14250	738	25	preston	preston	PROPN
cblr-14250	738	26	,	,	PUNCT
cblr-14250	738	27	the	the	DET
cblr-14250	738	28	mcfadden	mcfadden	PROPN
cblr-14250	738	29	banking	banking	PROPN
cblr-14250	738	30	act	act	PROPN
cblr-14250	738	31	,	,	PUNCT
cblr-14250	738	32	17	17	NUM
cblr-14250	738	33	am	am	NOUN
cblr-14250	738	34	.	.	PUNCT
cblr-14250	739	1	econ	econ	PROPN
cblr-14250	739	2	.	.	PUNCT
cblr-14250	740	1	rev	rev	VERB
cblr-14250	740	2	201	201	NUM
cblr-14250	740	3	(	(	PUNCT
cblr-14250	740	4	1927	1927	NUM
cblr-14250	740	5	)	)	PUNCT
cblr-14250	740	6	.	.	PUNCT
cblr-14250	741	1	134	134	NUM
cblr-14250	741	2	we	we	PRON
cblr-14250	741	3	develop	develop	VERB
cblr-14250	741	4	the	the	DET
cblr-14250	741	5	arguments	argument	NOUN
cblr-14250	741	6	below	below	ADP
cblr-14250	741	7	at	at	ADP
cblr-14250	741	8	more	more	ADJ
cblr-14250	741	9	length	length	NOUN
cblr-14250	741	10	in	in	ADP
cblr-14250	741	11	conti	conti	ADJ
cblr-14250	741	12	-	-	ADJ
cblr-14250	741	13	brown	brown	ADJ
cblr-14250	741	14	&	&	CCONJ
cblr-14250	741	15	vanatta	vanatta	PROPN
cblr-14250	741	16	,	,	PUNCT
cblr-14250	741	17	supra	supra	PROPN
cblr-14250	741	18	note	note	PROPN
cblr-14250	741	19	17	17	NUM
cblr-14250	741	20	.	.	NOUN
cblr-14250	741	21	135	135	NUM
cblr-14250	741	22	franklin	franklin	PROPN
cblr-14250	741	23	d.	d.	PROPN
cblr-14250	741	24	roosevelt	roosevelt	PROPN
cblr-14250	741	25	,	,	PUNCT
cblr-14250	741	26	fireside	fireside	NOUN
cblr-14250	741	27	chat	chat	VERB
cblr-14250	741	28	on	on	ADP
cblr-14250	741	29	banking	banking	NOUN
cblr-14250	741	30	(	(	PUNCT
cblr-14250	741	31	mar	mar	PROPN
cblr-14250	741	32	.	.	PROPN
cblr-14250	741	33	12	12	NUM
cblr-14250	741	34	,	,	PUNCT
cblr-14250	741	35	1933	1933	NUM
cblr-14250	741	36	)	)	PUNCT
cblr-14250	741	37	,	,	PUNCT
cblr-14250	741	38	https://www.presidency.ucsb.edu/documents/fireside-chat-banking	https://www.presidency.ucsb.edu/documents/fireside-chat-banke	VERB
cblr-14250	741	39	[	[	X
cblr-14250	741	40	https://perma.cc/8ed3-ggqs	https://perma.cc/8ed3-ggqs	X
cblr-14250	741	41	]	]	PUNCT
cblr-14250	741	42	.	.	PUNCT
cblr-14250	742	1	this	this	PRON
cblr-14250	742	2	is	be	AUX
cblr-14250	742	3	one	one	NUM
cblr-14250	742	4	of	of	ADP
cblr-14250	742	5	the	the	DET
cblr-14250	742	6	most	most	ADV
cblr-14250	742	7	well	well	ADV
cblr-14250	742	8	-	-	PUNCT
cblr-14250	742	9	documented	document	VERB
cblr-14250	742	10	periods	period	NOUN
cblr-14250	742	11	in	in	ADP
cblr-14250	742	12	the	the	DET
cblr-14250	742	13	history	history	NOUN
cblr-14250	742	14	of	of	ADP
cblr-14250	742	15	the	the	DET
cblr-14250	742	16	new	new	ADJ
cblr-14250	742	17	deal	deal	NOUN
cblr-14250	742	18	,	,	PUNCT
cblr-14250	742	19	including	include	VERB
cblr-14250	742	20	with	with	ADP
cblr-14250	742	21	important	important	ADJ
cblr-14250	742	22	recollections	recollection	NOUN
cblr-14250	742	23	.	.	PUNCT
cblr-14250	743	1	see	see	VERB
cblr-14250	743	2	frances	frances	PROPN
cblr-14250	743	3	awalt	awalt	PROPN
cblr-14250	743	4	,	,	PUNCT
cblr-14250	743	5	recollections	recollection	NOUN
cblr-14250	743	6	of	of	ADP
cblr-14250	743	7	the	the	DET
cblr-14250	743	8	banking	banking	NOUN
cblr-14250	743	9	crisis	crisis	NOUN
cblr-14250	743	10	in	in	ADP
cblr-14250	743	11	1933	1933	NUM
cblr-14250	743	12	,	,	PUNCT
cblr-14250	743	13	43	43	NUM
cblr-14250	743	14	bus	bus	NOUN
cblr-14250	743	15	.	.	PUNCT
cblr-14250	744	1	hist	hist	PROPN
cblr-14250	744	2	.	.	PUNCT
cblr-14250	745	1	rev	rev	PROPN
cblr-14250	745	2	.	.	PROPN
cblr-14250	745	3	368	368	NUM
cblr-14250	745	4	(	(	PUNCT
cblr-14250	745	5	1969	1969	NUM
cblr-14250	745	6	)	)	PUNCT
cblr-14250	745	7	;	;	PUNCT
cblr-14250	745	8	raymond	raymond	PROPN
cblr-14250	745	9	moley	moley	PROPN
cblr-14250	745	10	,	,	PUNCT
cblr-14250	745	11	after	after	ADP
cblr-14250	745	12	seven	seven	NUM
cblr-14250	745	13	years	year	NOUN
cblr-14250	745	14	(	(	PUNCT
cblr-14250	745	15	1939	1939	NUM
cblr-14250	745	16	)	)	PUNCT
cblr-14250	745	17	;	;	PUNCT
cblr-14250	745	18	charles	charles	PROPN
cblr-14250	745	19	a.	a.	PROPN
cblr-14250	745	20	beard	beard	PROPN
cblr-14250	745	21	&	&	CCONJ
cblr-14250	745	22	george	george	PROPN
cblr-14250	745	23	e.	e.	PROPN
cblr-14250	745	24	smith	smith	PROPN
cblr-14250	745	25	,	,	PUNCT
cblr-14250	745	26	the	the	DET
cblr-14250	745	27	old	old	ADJ
cblr-14250	745	28	deal	deal	NOUN
cblr-14250	745	29	and	and	CCONJ
cblr-14250	745	30	the	the	DET
cblr-14250	745	31	new	new	ADJ
cblr-14250	745	32	,	,	PUNCT
cblr-14250	745	33	51	51	NUM
cblr-14250	745	34	econ	econ	NOUN
cblr-14250	745	35	.	.	PUNCT
cblr-14250	746	1	j.	j.	PROPN
cblr-14250	746	2	484	484	NUM
cblr-14250	746	3	(	(	PUNCT
cblr-14250	746	4	1941	1941	NUM
cblr-14250	746	5	)	)	PUNCT
cblr-14250	746	6	;	;	PUNCT
cblr-14250	746	7	arthur	arthur	PROPN
cblr-14250	746	8	schlesinger	schlesinger	PROPN
cblr-14250	746	9	,	,	PUNCT
cblr-14250	746	10	the	the	DET
cblr-14250	746	11	age	age	NOUN
cblr-14250	746	12	of	of	ADP
cblr-14250	746	13	roosevelt	roosevelt	PROPN
cblr-14250	746	14	:	:	PUNCT
cblr-14250	746	15	the	the	DET
cblr-14250	746	16	coming	coming	NOUN
cblr-14250	746	17	of	of	ADP
cblr-14250	746	18	the	the	DET
cblr-14250	746	19	new	new	ADJ
cblr-14250	746	20	deal	deal	NOUN
cblr-14250	746	21	6	6	NUM
cblr-14250	746	22	(	(	PUNCT
cblr-14250	746	23	1959	1959	NUM
cblr-14250	746	24	)	)	PUNCT
cblr-14250	746	25	;	;	PUNCT
cblr-14250	746	26	william	william	PROPN
cblr-14250	746	27	silber	silber	PROPN
cblr-14250	746	28	,	,	PUNCT
cblr-14250	746	29	why	why	SCONJ
cblr-14250	746	30	did	do	AUX
cblr-14250	746	31	fdr	fdr	PROPN
cblr-14250	746	32	’s	’s	PART
cblr-14250	746	33	bank	bank	PROPN
cblr-14250	746	34	holiday	holiday	NOUN
cblr-14250	746	35	succeed	succeed	VERB
cblr-14250	746	36	?	?	PUNCT
cblr-14250	746	37	,	,	PUNCT
cblr-14250	746	38	15	15	NUM
cblr-14250	746	39	econ	econ	X
cblr-14250	746	40	.	.	PUNCT
cblr-14250	746	41	pol’y	pol’y	NOUN
cblr-14250	746	42	rev	rev	VERB
cblr-14250	746	43	.	.	PROPN
cblr-14250	746	44	,	,	PUNCT
cblr-14250	746	45	19	19	NUM
cblr-14250	746	46	-	-	SYM
cblr-14250	746	47	30	30	NUM
cblr-14250	746	48	(	(	PUNCT
cblr-14250	746	49	2009	2009	NUM
cblr-14250	746	50	)	)	PUNCT
cblr-14250	746	51	;	;	PUNCT
cblr-14250	746	52	bernanke	bernanke	PROPN
cblr-14250	746	53	,	,	PUNCT
cblr-14250	746	54	supra	supra	PROPN
cblr-14250	746	55	note	note	NOUN
cblr-14250	746	56	17	17	NUM
cblr-14250	747	1	.	.	SYM
cblr-14250	747	2	186	186	NUM
cblr-14250	747	3	columbia	columbia	PROPN
cblr-14250	747	4	business	business	NOUN
cblr-14250	747	5	law	law	PROPN
cblr-14250	747	6	review	review	NOUN
cblr-14250	747	7	[	[	X
cblr-14250	747	8	vol	vol	NOUN
cblr-14250	747	9	.	.	PUNCT
cblr-14250	747	10	2025	2025	NUM
cblr-14250	747	11	the	the	DET
cblr-14250	747	12	essence	essence	NOUN
cblr-14250	747	13	of	of	ADP
cblr-14250	747	14	what	what	PRON
cblr-14250	747	15	made	make	VERB
cblr-14250	747	16	the	the	DET
cblr-14250	747	17	holiday	holiday	NOUN
cblr-14250	747	18	successful	successful	ADJ
cblr-14250	747	19	was	be	AUX
cblr-14250	747	20	roosevelt	roosevelt	NOUN
cblr-14250	747	21	’s	’s	PART
cblr-14250	747	22	forceful	forceful	ADJ
cblr-14250	747	23	shift	shift	NOUN
cblr-14250	747	24	of	of	ADP
cblr-14250	747	25	financial	financial	ADJ
cblr-14250	747	26	risk	risk	NOUN
cblr-14250	747	27	management	management	NOUN
cblr-14250	747	28	from	from	ADP
cblr-14250	747	29	private	private	ADJ
cblr-14250	747	30	bankers	banker	NOUN
cblr-14250	747	31	onto	onto	ADP
cblr-14250	747	32	the	the	DET
cblr-14250	747	33	public	public	NOUN
cblr-14250	747	34	.	.	PUNCT
cblr-14250	748	1	he	he	PRON
cblr-14250	748	2	did	do	VERB
cblr-14250	748	3	so	so	ADV
cblr-14250	748	4	first	first	ADV
cblr-14250	748	5	by	by	ADP
cblr-14250	748	6	staking	stake	VERB
cblr-14250	748	7	his	his	PRON
cblr-14250	748	8	administration	administration	NOUN
cblr-14250	748	9	on	on	ADP
cblr-14250	748	10	the	the	DET
cblr-14250	748	11	reopening	reopening	NOUN
cblr-14250	748	12	.	.	PUNCT
cblr-14250	749	1	this	this	PRON
cblr-14250	749	2	required	require	VERB
cblr-14250	749	3	the	the	DET
cblr-14250	749	4	coordination	coordination	NOUN
cblr-14250	749	5	of	of	ADP
cblr-14250	749	6	previously	previously	ADV
cblr-14250	749	7	competing	compete	VERB
cblr-14250	749	8	supervisory	supervisory	ADJ
cblr-14250	749	9	regimes	regime	NOUN
cblr-14250	749	10	,	,	PUNCT
cblr-14250	749	11	especially	especially	ADV
cblr-14250	749	12	the	the	DET
cblr-14250	749	13	comptroller	comptroller	NOUN
cblr-14250	749	14	and	and	CCONJ
cblr-14250	749	15	the	the	DET
cblr-14250	749	16	federal	federal	PROPN
cblr-14250	749	17	reserve	reserve	PROPN
cblr-14250	749	18	.	.	PUNCT
cblr-14250	750	1	together	together	ADV
cblr-14250	750	2	,	,	PUNCT
cblr-14250	750	3	in	in	ADP
cblr-14250	750	4	frantic	frantic	ADJ
cblr-14250	750	5	day	day	NOUN
cblr-14250	750	6	and	and	CCONJ
cblr-14250	750	7	night	night	NOUN
cblr-14250	750	8	meetings	meeting	NOUN
cblr-14250	750	9	,	,	PUNCT
cblr-14250	750	10	these	these	DET
cblr-14250	750	11	agencies	agency	NOUN
cblr-14250	750	12	pooled	pool	VERB
cblr-14250	750	13	their	their	PRON
cblr-14250	750	14	collective	collective	ADJ
cblr-14250	750	15	information	information	NOUN
cblr-14250	750	16	to	to	PART
cblr-14250	750	17	determine	determine	VERB
cblr-14250	750	18	which	which	PRON
cblr-14250	750	19	banks	bank	NOUN
cblr-14250	750	20	could	could	AUX
cblr-14250	750	21	plausibly	plausibly	ADV
cblr-14250	750	22	reopen	reopen	VERB
cblr-14250	750	23	,	,	PUNCT
cblr-14250	750	24	and	and	CCONJ
cblr-14250	750	25	which	which	PRON
cblr-14250	750	26	needed	need	VERB
cblr-14250	750	27	to	to	PART
cblr-14250	750	28	be	be	AUX
cblr-14250	750	29	kept	keep	VERB
cblr-14250	750	30	shut	shut	VERB
cblr-14250	750	31	.	.	PUNCT
cblr-14250	751	1	ultimately	ultimately	ADV
cblr-14250	751	2	,	,	PUNCT
cblr-14250	751	3	roosevelt	roosevelt	PROPN
cblr-14250	751	4	and	and	CCONJ
cblr-14250	751	5	the	the	DET
cblr-14250	751	6	supervisory	supervisory	ADJ
cblr-14250	751	7	agencies	agency	NOUN
cblr-14250	751	8	secured	secure	VERB
cblr-14250	751	9	credibility	credibility	NOUN
cblr-14250	751	10	by	by	ADP
cblr-14250	751	11	closing	close	VERB
cblr-14250	751	12	weak	weak	ADJ
cblr-14250	751	13	banks	bank	NOUN
cblr-14250	751	14	,	,	PUNCT
cblr-14250	751	15	effectively	effectively	ADV
cblr-14250	751	16	guaranteeing	guarantee	VERB
cblr-14250	751	17	the	the	DET
cblr-14250	751	18	health	health	NOUN
cblr-14250	751	19	of	of	ADP
cblr-14250	751	20	banks	bank	NOUN
cblr-14250	751	21	that	that	PRON
cblr-14250	751	22	reopened.136	reopened.136	VERB
cblr-14250	751	23	the	the	DET
cblr-14250	751	24	bank	bank	PROPN
cblr-14250	751	25	holiday	holiday	NOUN
cblr-14250	751	26	proved	prove	VERB
cblr-14250	751	27	a	a	DET
cblr-14250	751	28	turning	turning	NOUN
cblr-14250	751	29	point	point	NOUN
cblr-14250	751	30	for	for	ADP
cblr-14250	751	31	the	the	DET
cblr-14250	751	32	institutionalization	institutionalization	NOUN
cblr-14250	751	33	of	of	ADP
cblr-14250	751	34	bank	bank	NOUN
cblr-14250	751	35	supervision	supervision	NOUN
cblr-14250	751	36	.	.	PUNCT
cblr-14250	752	1	as	as	ADP
cblr-14250	752	2	a	a	DET
cblr-14250	752	3	technical	technical	ADJ
cblr-14250	752	4	matter	matter	NOUN
cblr-14250	752	5	,	,	PUNCT
cblr-14250	752	6	the	the	DET
cblr-14250	752	7	work	work	NOUN
cblr-14250	752	8	of	of	ADP
cblr-14250	752	9	identifying	identify	VERB
cblr-14250	752	10	which	which	PRON
cblr-14250	752	11	banks	bank	VERB
cblr-14250	752	12	the	the	DET
cblr-14250	752	13	government	government	NOUN
cblr-14250	752	14	,	,	PUNCT
cblr-14250	752	15	through	through	ADP
cblr-14250	752	16	the	the	DET
cblr-14250	752	17	examiners	examiner	NOUN
cblr-14250	752	18	,	,	PUNCT
cblr-14250	752	19	would	would	AUX
cblr-14250	752	20	permit	permit	VERB
cblr-14250	752	21	to	to	PART
cblr-14250	752	22	remain	remain	VERB
cblr-14250	752	23	open	open	ADJ
cblr-14250	752	24	,	,	PUNCT
cblr-14250	752	25	would	would	AUX
cblr-14250	752	26	be	be	AUX
cblr-14250	752	27	required	require	VERB
cblr-14250	752	28	to	to	PART
cblr-14250	752	29	fail	fail	VERB
cblr-14250	752	30	,	,	PUNCT
cblr-14250	752	31	and	and	CCONJ
cblr-14250	752	32	would	would	AUX
cblr-14250	752	33	have	have	VERB
cblr-14250	752	34	to	to	PART
cblr-14250	752	35	navigate	navigate	VERB
cblr-14250	752	36	risk	risk	NOUN
cblr-14250	752	37	management	management	NOUN
cblr-14250	752	38	as	as	ADP
cblr-14250	752	39	an	an	DET
cblr-14250	752	40	intermediate	intermediate	ADJ
cblr-14250	752	41	step	step	NOUN
cblr-14250	752	42	before	before	ADP
cblr-14250	752	43	one	one	NUM
cblr-14250	752	44	of	of	ADP
cblr-14250	752	45	those	those	DET
cblr-14250	752	46	alternatives	alternative	NOUN
cblr-14250	752	47	,	,	PUNCT
cblr-14250	752	48	placed	place	VERB
cblr-14250	752	49	bank	bank	NOUN
cblr-14250	752	50	supervision	supervision	NOUN
cblr-14250	752	51	as	as	ADP
cblr-14250	752	52	the	the	DET
cblr-14250	752	53	residual	residual	ADJ
cblr-14250	752	54	bearer	bearer	NOUN
cblr-14250	752	55	of	of	ADP
cblr-14250	752	56	financial	financial	ADJ
cblr-14250	752	57	risk	risk	NOUN
cblr-14250	752	58	within	within	ADP
cblr-14250	752	59	the	the	DET
cblr-14250	752	60	financial	financial	ADJ
cblr-14250	752	61	system	system	NOUN
cblr-14250	752	62	.	.	PUNCT
cblr-14250	753	1	it	it	PRON
cblr-14250	753	2	also	also	ADV
cblr-14250	753	3	enshrined	enshrine	VERB
cblr-14250	753	4	the	the	DET
cblr-14250	753	5	inevitability	inevitability	NOUN
cblr-14250	753	6	of	of	ADP
cblr-14250	753	7	supervisory	supervisory	ADJ
cblr-14250	753	8	discretion	discretion	NOUN
cblr-14250	753	9	in	in	ADP
cblr-14250	753	10	reaching	reach	VERB
cblr-14250	753	11	those	those	DET
cblr-14250	753	12	determinations	determination	NOUN
cblr-14250	753	13	of	of	ADP
cblr-14250	753	14	life	life	NOUN
cblr-14250	753	15	,	,	PUNCT
cblr-14250	753	16	death	death	NOUN
cblr-14250	753	17	,	,	PUNCT
cblr-14250	753	18	and	and	CCONJ
cblr-14250	753	19	reform	reform	NOUN
cblr-14250	753	20	for	for	ADP
cblr-14250	753	21	individual	individual	ADJ
cblr-14250	753	22	banks	bank	NOUN
cblr-14250	753	23	.	.	PUNCT
cblr-14250	754	1	the	the	DET
cblr-14250	754	2	currency	currency	NOUN
cblr-14250	754	3	view	view	NOUN
cblr-14250	754	4	of	of	ADP
cblr-14250	754	5	supervision	supervision	NOUN
cblr-14250	754	6	—	—	PUNCT
cblr-14250	754	7	on	on	ADP
cblr-14250	754	8	life	life	NOUN
cblr-14250	754	9	support	support	NOUN
cblr-14250	754	10	since	since	SCONJ
cblr-14250	754	11	the	the	DET
cblr-14250	754	12	1870s	1870	NOUN
cblr-14250	754	13	—	—	PUNCT
cblr-14250	754	14	was	be	AUX
cblr-14250	754	15	now	now	ADV
cblr-14250	754	16	dead	dead	ADJ
cblr-14250	754	17	.	.	PUNCT
cblr-14250	755	1	the	the	DET
cblr-14250	755	2	rise	rise	NOUN
cblr-14250	755	3	of	of	ADP
cblr-14250	755	4	bank	bank	NOUN
cblr-14250	755	5	supervision	supervision	NOUN
cblr-14250	755	6	as	as	ADP
cblr-14250	755	7	the	the	DET
cblr-14250	755	8	coowner	coowner	NOUN
cblr-14250	755	9	,	,	PUNCT
cblr-14250	755	10	alongside	alongside	ADP
cblr-14250	755	11	the	the	DET
cblr-14250	755	12	banks	bank	NOUN
cblr-14250	755	13	,	,	PUNCT
cblr-14250	755	14	of	of	ADP
cblr-14250	755	15	the	the	DET
cblr-14250	755	16	residual	residual	ADJ
cblr-14250	755	17	risks	risk	NOUN
cblr-14250	755	18	that	that	SCONJ
cblr-14250	755	19	banking	banking	NOUN
cblr-14250	755	20	activities	activity	NOUN
cblr-14250	755	21	created	create	VERB
cblr-14250	755	22	,	,	PUNCT
cblr-14250	755	23	was	be	AUX
cblr-14250	755	24	the	the	DET
cblr-14250	755	25	new	new	ADJ
cblr-14250	755	26	order	order	NOUN
cblr-14250	755	27	of	of	ADP
cblr-14250	755	28	the	the	DET
cblr-14250	755	29	day	day	NOUN
cblr-14250	755	30	.	.	PUNCT
cblr-14250	756	1	bank	bank	NOUN
cblr-14250	756	2	supervision	supervision	NOUN
cblr-14250	756	3	contributed	contribute	VERB
cblr-14250	756	4	to	to	ADP
cblr-14250	756	5	and	and	CCONJ
cblr-14250	756	6	benefited	benefit	VERB
cblr-14250	756	7	from	from	ADP
cblr-14250	756	8	an	an	DET
cblr-14250	756	9	important	important	ADJ
cblr-14250	756	10	kind	kind	NOUN
cblr-14250	756	11	of	of	ADP
cblr-14250	756	12	political	political	ADJ
cblr-14250	756	13	legitimacy	legitimacy	NOUN
cblr-14250	756	14	that	that	SCONJ
cblr-14250	756	15	it	it	PRON
cblr-14250	756	16	lacked	lack	VERB
cblr-14250	756	17	prior	prior	ADV
cblr-14250	756	18	to	to	ADP
cblr-14250	756	19	the	the	DET
cblr-14250	756	20	holiday	holiday	NOUN
cblr-14250	756	21	.	.	PUNCT
cblr-14250	757	1	before	before	ADP
cblr-14250	757	2	roosevelt	roosevelt	PROPN
cblr-14250	757	3	’s	’s	PART
cblr-14250	757	4	inauguration	inauguration	PROPN
cblr-14250	757	5	,	,	PUNCT
cblr-14250	757	6	supervision	supervision	NOUN
cblr-14250	757	7	by	by	ADP
cblr-14250	757	8	itself	itself	PRON
cblr-14250	757	9	could	could	AUX
cblr-14250	757	10	not	not	PART
cblr-14250	757	11	forestall	forestall	VERB
cblr-14250	757	12	bank	bank	NOUN
cblr-14250	757	13	runs	run	NOUN
cblr-14250	757	14	.	.	PUNCT
cblr-14250	758	1	after	after	ADP
cblr-14250	758	2	his	his	PRON
cblr-14250	758	3	inauguration	inauguration	NOUN
cblr-14250	758	4	,	,	PUNCT
cblr-14250	758	5	fdr	fdr	PROPN
cblr-14250	758	6	—	—	PUNCT
cblr-14250	758	7	however	however	ADV
cblr-14250	758	8	wide	wide	ADJ
cblr-14250	758	9	his	his	PRON
cblr-14250	758	10	mandate	mandate	NOUN
cblr-14250	758	11	—	—	PUNCT
cblr-14250	758	12	also	also	ADV
cblr-14250	758	13	lacked	lack	VERB
cblr-14250	758	14	the	the	DET
cblr-14250	758	15	ability	ability	NOUN
cblr-14250	758	16	to	to	PART
cblr-14250	758	17	will	will	VERB
cblr-14250	758	18	136	136	NUM
cblr-14250	758	19	francis	francis	PROPN
cblr-14250	758	20	g.	g.	PROPN
cblr-14250	758	21	awalt	awalt	PROPN
cblr-14250	758	22	,	,	PUNCT
cblr-14250	758	23	personal	personal	ADJ
cblr-14250	758	24	account	account	NOUN
cblr-14250	758	25	of	of	ADP
cblr-14250	758	26	f.	f.	PROPN
cblr-14250	758	27	g.	g.	PROPN
cblr-14250	758	28	awalt	awalt	PROPN
cblr-14250	758	29	,	,	PUNCT
cblr-14250	758	30	mar	mar	PROPN
cblr-14250	758	31	.	.	PROPN
cblr-14250	758	32	1933	1933	NUM
cblr-14250	758	33	(	(	PUNCT
cblr-14250	758	34	on	on	ADP
cblr-14250	758	35	file	file	NOUN
cblr-14250	758	36	with	with	ADP
cblr-14250	758	37	herbert	herbert	PROPN
cblr-14250	758	38	hoover	hoover	PROPN
cblr-14250	758	39	presidential	presidential	ADJ
cblr-14250	758	40	library	library	NOUN
cblr-14250	758	41	,	,	PUNCT
cblr-14250	758	42	francis	francis	PROPN
cblr-14250	758	43	g.	g.	PROPN
cblr-14250	758	44	awalt	awalt	PROPN
cblr-14250	758	45	papers	papers	PROPN
cblr-14250	758	46	box	box	PROPN
cblr-14250	758	47	1	1	NUM
cblr-14250	758	48	,	,	PUNCT
cblr-14250	758	49	folder	folder	NOUN
cblr-14250	758	50	11	11	NUM
cblr-14250	758	51	)	)	PUNCT
cblr-14250	758	52	;	;	PUNCT
cblr-14250	758	53	emanuel	emanuel	PROPN
cblr-14250	758	54	goldenweiser	goldenweiser	PROPN
cblr-14250	758	55	,	,	PUNCT
cblr-14250	758	56	contemporaneous	contemporaneous	ADJ
cblr-14250	758	57	notes	note	NOUN
cblr-14250	758	58	(	(	PUNCT
cblr-14250	758	59	mar	mar	PROPN
cblr-14250	758	60	.	.	PROPN
cblr-14250	758	61	3	3	NUM
cblr-14250	758	62	,	,	PUNCT
cblr-14250	758	63	1933	1933	NUM
cblr-14250	758	64	)	)	PUNCT
cblr-14250	758	65	(	(	PUNCT
cblr-14250	758	66	on	on	ADP
cblr-14250	758	67	file	file	NOUN
cblr-14250	758	68	with	with	ADP
cblr-14250	758	69	herbert	herbert	PROPN
cblr-14250	758	70	hoover	hoover	PROPN
cblr-14250	758	71	presidential	presidential	ADJ
cblr-14250	758	72	library	library	NOUN
cblr-14250	758	73	,	,	PUNCT
cblr-14250	758	74	francis	francis	PROPN
cblr-14250	758	75	g.	g.	PROPN
cblr-14250	758	76	awalt	awalt	PROPN
cblr-14250	758	77	papers	paper	NOUN
cblr-14250	758	78	,	,	PUNCT
cblr-14250	758	79	box	box	PROPN
cblr-14250	758	80	1	1	NUM
cblr-14250	758	81	,	,	PUNCT
cblr-14250	758	82	folder	folder	NOUN
cblr-14250	758	83	11	11	NUM
cblr-14250	758	84	)	)	PUNCT
cblr-14250	758	85	;	;	PUNCT
cblr-14250	758	86	ogden	ogden	PROPN
cblr-14250	758	87	mills	mill	NOUN
cblr-14250	758	88	to	to	ADP
cblr-14250	758	89	william	william	PROPN
cblr-14250	758	90	wooden	wooden	PROPN
cblr-14250	758	91	(	(	PUNCT
cblr-14250	758	92	mar	mar	PROPN
cblr-14250	758	93	.	.	PROPN
cblr-14250	758	94	4	4	NUM
cblr-14250	758	95	,	,	PUNCT
cblr-14250	758	96	1933	1933	NUM
cblr-14250	758	97	)	)	PUNCT
cblr-14250	758	98	(	(	PUNCT
cblr-14250	758	99	on	on	ADP
cblr-14250	758	100	file	file	NOUN
cblr-14250	758	101	with	with	ADP
cblr-14250	758	102	herbert	herbert	PROPN
cblr-14250	758	103	hoover	hoover	PROPN
cblr-14250	758	104	presidential	presidential	ADJ
cblr-14250	758	105	library	library	NOUN
cblr-14250	758	106	,	,	PUNCT
cblr-14250	758	107	francis	francis	PROPN
cblr-14250	758	108	g.	g.	PROPN
cblr-14250	758	109	awalt	awalt	PROPN
cblr-14250	758	110	papers	paper	NOUN
cblr-14250	758	111	,	,	PUNCT
cblr-14250	758	112	box	box	PROPN
cblr-14250	758	113	1	1	NUM
cblr-14250	758	114	,	,	PUNCT
cblr-14250	758	115	folder	folder	NOUN
cblr-14250	758	116	7	7	NUM
cblr-14250	758	117	)	)	PUNCT
cblr-14250	758	118	.	.	PUNCT
cblr-14250	759	1	no	no	INTJ
cblr-14250	759	2	.	.	NOUN
cblr-14250	759	3	1	1	NUM
cblr-14250	759	4	]	]	PUNCT
cblr-14250	759	5	risk	risk	NOUN
cblr-14250	759	6	,	,	PUNCT
cblr-14250	759	7	discretion	discretion	NOUN
cblr-14250	759	8	,	,	PUNCT
cblr-14250	759	9	and	and	CCONJ
cblr-14250	759	10	bank	bank	NOUN
cblr-14250	759	11	supervision	supervision	NOUN
cblr-14250	759	12	187	187	NUM
cblr-14250	759	13	away	away	ADV
cblr-14250	759	14	the	the	DET
cblr-14250	759	15	crisis	crisis	NOUN
cblr-14250	759	16	.	.	PUNCT
cblr-14250	760	1	instead	instead	ADV
cblr-14250	760	2	,	,	PUNCT
cblr-14250	760	3	bank	bank	NOUN
cblr-14250	760	4	supervision	supervision	NOUN
cblr-14250	760	5	became	become	VERB
cblr-14250	760	6	legitimate	legitimate	ADJ
cblr-14250	760	7	in	in	ADP
cblr-14250	760	8	the	the	DET
cblr-14250	760	9	holiday	holiday	NOUN
cblr-14250	760	10	and	and	CCONJ
cblr-14250	760	11	,	,	PUNCT
cblr-14250	760	12	in	in	ADP
cblr-14250	760	13	the	the	DET
cblr-14250	760	14	process	process	NOUN
cblr-14250	760	15	,	,	PUNCT
cblr-14250	760	16	legitimated	legitimate	VERB
cblr-14250	760	17	a	a	DET
cblr-14250	760	18	new	new	ADJ
cblr-14250	760	19	president	president	NOUN
cblr-14250	760	20	,	,	PUNCT
cblr-14250	760	21	creating	create	VERB
cblr-14250	760	22	a	a	DET
cblr-14250	760	23	mutually	mutually	ADV
cblr-14250	760	24	constitutive	constitutive	ADJ
cblr-14250	760	25	process	process	NOUN
cblr-14250	760	26	of	of	ADP
cblr-14250	760	27	law	law	NOUN
cblr-14250	760	28	,	,	PUNCT
cblr-14250	760	29	society	society	NOUN
cblr-14250	760	30	,	,	PUNCT
cblr-14250	760	31	and	and	CCONJ
cblr-14250	760	32	bank	bank	NOUN
cblr-14250	760	33	examination.137	examination.137	PRON
cblr-14250	760	34	even	even	ADV
cblr-14250	760	35	the	the	DET
cblr-14250	760	36	bankers	banker	NOUN
cblr-14250	760	37	recognized	recognize	VERB
cblr-14250	760	38	it	it	PRON
cblr-14250	760	39	as	as	ADP
cblr-14250	760	40	such	such	ADJ
cblr-14250	760	41	.	.	PUNCT
cblr-14250	761	1	“	"	PUNCT
cblr-14250	761	2	only	only	ADV
cblr-14250	761	3	by	by	ADP
cblr-14250	761	4	prompt	prompt	ADJ
cblr-14250	761	5	and	and	CCONJ
cblr-14250	761	6	favorable	favorable	ADJ
cblr-14250	761	7	[	[	X
cblr-14250	761	8	intervention	intervention	NOUN
cblr-14250	761	9	by	by	ADP
cblr-14250	761	10	bank	bank	NOUN
cblr-14250	761	11	supervisors	supervisor	NOUN
cblr-14250	761	12	]	]	PUNCT
cblr-14250	761	13	can	can	AUX
cblr-14250	761	14	the	the	DET
cblr-14250	761	15	depositors	depositor	NOUN
cblr-14250	761	16	of	of	ADP
cblr-14250	761	17	paige	paige	PROPN
cblr-14250	761	18	trust	trust	PROPN
cblr-14250	761	19	company	company	NOUN
cblr-14250	761	20	and	and	CCONJ
cblr-14250	761	21	the	the	DET
cblr-14250	761	22	people	people	NOUN
cblr-14250	761	23	in	in	ADP
cblr-14250	761	24	the	the	DET
cblr-14250	761	25	communities	community	NOUN
cblr-14250	761	26	served	serve	VERB
cblr-14250	761	27	by	by	ADP
cblr-14250	761	28	this	this	DET
cblr-14250	761	29	bank	bank	NOUN
cblr-14250	761	30	realize	realize	VERB
cblr-14250	761	31	the	the	DET
cblr-14250	761	32	full	full	ADJ
cblr-14250	761	33	benefits	benefit	NOUN
cblr-14250	761	34	of	of	ADP
cblr-14250	761	35	the	the	DET
cblr-14250	761	36	‘	'	PUNCT
cblr-14250	761	37	new	new	ADJ
cblr-14250	761	38	deal	deal	NOUN
cblr-14250	761	39	,	,	PUNCT
cblr-14250	761	40	’	'	PUNCT
cblr-14250	761	41	”	"	PUNCT
cblr-14250	761	42	a	a	DET
cblr-14250	761	43	group	group	NOUN
cblr-14250	761	44	of	of	ADP
cblr-14250	761	45	shuttered	shuttered	ADJ
cblr-14250	761	46	north	north	PROPN
cblr-14250	761	47	carolina	carolina	PROPN
cblr-14250	761	48	banks	bank	NOUN
cblr-14250	761	49	urged	urge	VERB
cblr-14250	761	50	the	the	DET
cblr-14250	761	51	comptroller	comptroller	NOUN
cblr-14250	761	52	of	of	ADP
cblr-14250	761	53	the	the	DET
cblr-14250	761	54	currency	currency	NOUN
cblr-14250	761	55	in	in	ADP
cblr-14250	761	56	september	september	PROPN
cblr-14250	761	57	1933.138	1933.138	NUM
cblr-14250	761	58	associating	associate	VERB
cblr-14250	761	59	the	the	DET
cblr-14250	761	60	work	work	NOUN
cblr-14250	761	61	of	of	ADP
cblr-14250	761	62	bank	bank	NOUN
cblr-14250	761	63	examination	examination	NOUN
cblr-14250	761	64	with	with	ADP
cblr-14250	761	65	the	the	DET
cblr-14250	761	66	political	political	ADJ
cblr-14250	761	67	moment	moment	NOUN
cblr-14250	761	68	was	be	AUX
cblr-14250	761	69	intentional	intentional	ADJ
cblr-14250	761	70	,	,	PUNCT
cblr-14250	761	71	for	for	ADP
cblr-14250	761	72	whatever	whatever	PRON
cblr-14250	761	73	hostilities	hostility	NOUN
cblr-14250	761	74	bankers	banker	NOUN
cblr-14250	761	75	felt	feel	VERB
cblr-14250	761	76	toward	toward	ADP
cblr-14250	761	77	their	their	PRON
cblr-14250	761	78	examiners	examiner	NOUN
cblr-14250	761	79	or	or	CCONJ
cblr-14250	761	80	roosevelt	roosevelt	PROPN
cblr-14250	761	81	’s	’s	PART
cblr-14250	761	82	political	political	ADJ
cblr-14250	761	83	revolution	revolution	NOUN
cblr-14250	761	84	before	before	ADP
cblr-14250	761	85	the	the	DET
cblr-14250	761	86	crisis	crisis	NOUN
cblr-14250	761	87	,	,	PUNCT
cblr-14250	761	88	they	they	PRON
cblr-14250	761	89	knew	know	VERB
cblr-14250	761	90	how	how	SCONJ
cblr-14250	761	91	pivotal	pivotal	ADJ
cblr-14250	761	92	examination	examination	NOUN
cblr-14250	761	93	and	and	CCONJ
cblr-14250	761	94	fdr	fdr	PROPN
cblr-14250	761	95	’s	’s	PART
cblr-14250	761	96	new	new	ADJ
cblr-14250	761	97	deal	deal	NOUN
cblr-14250	761	98	were	be	AUX
cblr-14250	761	99	,	,	PUNCT
cblr-14250	761	100	together	together	ADV
cblr-14250	761	101	,	,	PUNCT
cblr-14250	761	102	to	to	ADP
cblr-14250	761	103	their	their	PRON
cblr-14250	761	104	recovery	recovery	NOUN
cblr-14250	761	105	.	.	PUNCT
cblr-14250	762	1	the	the	DET
cblr-14250	762	2	bank	bank	PROPN
cblr-14250	762	3	holiday	holiday	NOUN
cblr-14250	762	4	gave	give	VERB
cblr-14250	762	5	new	new	ADJ
cblr-14250	762	6	wind	wind	NOUN
cblr-14250	762	7	to	to	ADP
cblr-14250	762	8	fdr	fdr	PROPN
cblr-14250	762	9	’s	’s	PART
cblr-14250	762	10	mandate	mandate	NOUN
cblr-14250	762	11	and	and	CCONJ
cblr-14250	762	12	with	with	ADP
cblr-14250	762	13	it	it	PRON
cblr-14250	762	14	the	the	DET
cblr-14250	762	15	rest	rest	NOUN
cblr-14250	762	16	of	of	ADP
cblr-14250	762	17	the	the	DET
cblr-14250	762	18	new	new	ADJ
cblr-14250	762	19	deal	deal	NOUN
cblr-14250	762	20	.	.	PUNCT
cblr-14250	763	1	in	in	ADP
cblr-14250	763	2	subsequent	subsequent	ADJ
cblr-14250	763	3	legislation	legislation	NOUN
cblr-14250	763	4	,	,	PUNCT
cblr-14250	763	5	congress	congress	PROPN
cblr-14250	763	6	solidified	solidify	VERB
cblr-14250	763	7	the	the	DET
cblr-14250	763	8	shift	shift	NOUN
cblr-14250	763	9	of	of	ADP
cblr-14250	763	10	residual	residual	ADJ
cblr-14250	763	11	risk	risk	NOUN
cblr-14250	763	12	from	from	ADP
cblr-14250	763	13	the	the	DET
cblr-14250	763	14	private	private	ADJ
cblr-14250	763	15	sector	sector	NOUN
cblr-14250	763	16	to	to	ADP
cblr-14250	763	17	the	the	DET
cblr-14250	763	18	government	government	NOUN
cblr-14250	763	19	in	in	ADP
cblr-14250	763	20	several	several	ADJ
cblr-14250	763	21	profound	profound	ADJ
cblr-14250	763	22	ways	way	NOUN
cblr-14250	763	23	.	.	PUNCT
cblr-14250	764	1	first	first	ADV
cblr-14250	764	2	,	,	PUNCT
cblr-14250	764	3	in	in	ADP
cblr-14250	764	4	the	the	DET
cblr-14250	764	5	emergency	emergency	NOUN
cblr-14250	764	6	banking	banking	NOUN
cblr-14250	764	7	act	act	NOUN
cblr-14250	764	8	of	of	ADP
cblr-14250	764	9	1933	1933	NUM
cblr-14250	764	10	,	,	PUNCT
cblr-14250	764	11	congress	congress	PROPN
cblr-14250	764	12	gave	give	VERB
cblr-14250	764	13	the	the	DET
cblr-14250	764	14	reconstruction	reconstruction	NOUN
cblr-14250	764	15	finance	finance	NOUN
cblr-14250	764	16	corporation	corporation	NOUN
cblr-14250	764	17	the	the	DET
cblr-14250	764	18	authority	authority	NOUN
cblr-14250	764	19	to	to	PART
cblr-14250	764	20	buy	buy	VERB
cblr-14250	764	21	preferred	preferred	ADJ
cblr-14250	764	22	stock	stock	NOUN
cblr-14250	764	23	in	in	ADP
cblr-14250	764	24	banks.139	banks.139	NOUN
cblr-14250	764	25	through	through	ADP
cblr-14250	764	26	this	this	DET
cblr-14250	764	27	program	program	NOUN
cblr-14250	764	28	,	,	PUNCT
cblr-14250	764	29	which	which	PRON
cblr-14250	764	30	enabled	enable	VERB
cblr-14250	764	31	the	the	DET
cblr-14250	764	32	government	government	NOUN
cblr-14250	764	33	to	to	PART
cblr-14250	764	34	recapitalize	recapitalize	VERB
cblr-14250	764	35	thousands	thousand	NOUN
cblr-14250	764	36	of	of	ADP
cblr-14250	764	37	weak	weak	ADJ
cblr-14250	764	38	banks	bank	NOUN
cblr-14250	764	39	,	,	PUNCT
cblr-14250	764	40	the	the	DET
cblr-14250	764	41	government	government	NOUN
cblr-14250	764	42	literally	literally	ADV
cblr-14250	764	43	owned	own	VERB
cblr-14250	764	44	the	the	DET
cblr-14250	764	45	residual	residual	ADJ
cblr-14250	764	46	risk	risk	NOUN
cblr-14250	764	47	of	of	ADP
cblr-14250	764	48	bank	bank	NOUN
cblr-14250	764	49	failure	failure	NOUN
cblr-14250	764	50	.	.	PUNCT
cblr-14250	765	1	later	later	ADV
cblr-14250	765	2	,	,	PUNCT
cblr-14250	765	3	with	with	ADP
cblr-14250	765	4	the	the	DET
cblr-14250	765	5	passage	passage	NOUN
cblr-14250	765	6	of	of	ADP
cblr-14250	765	7	the	the	DET
cblr-14250	765	8	banking	banking	NOUN
cblr-14250	765	9	act	act	NOUN
cblr-14250	765	10	of	of	ADP
cblr-14250	765	11	1933	1933	NUM
cblr-14250	765	12	,	,	PUNCT
cblr-14250	765	13	congress	congress	PROPN
cblr-14250	765	14	created	create	VERB
cblr-14250	765	15	a	a	DET
cblr-14250	765	16	more	more	ADV
cblr-14250	765	17	enduring	enduring	ADJ
cblr-14250	765	18	commitment	commitment	NOUN
cblr-14250	765	19	.	.	PUNCT
cblr-14250	766	1	first	first	ADV
cblr-14250	766	2	,	,	PUNCT
cblr-14250	766	3	it	it	PRON
cblr-14250	766	4	created	create	VERB
cblr-14250	766	5	the	the	DET
cblr-14250	766	6	federal	federal	ADJ
cblr-14250	766	7	deposit	deposit	NOUN
cblr-14250	766	8	insurance	insurance	NOUN
cblr-14250	766	9	corporation	corporation	NOUN
cblr-14250	766	10	(	(	PUNCT
cblr-14250	766	11	the	the	DET
cblr-14250	766	12	fdic	fdic	PROPN
cblr-14250	766	13	)	)	PUNCT
cblr-14250	766	14	to	to	PART
cblr-14250	766	15	shift	shift	VERB
cblr-14250	766	16	(	(	PUNCT
cblr-14250	766	17	some	some	DET
cblr-14250	766	18	)	)	PUNCT
cblr-14250	766	19	depositor	depositor	NOUN
cblr-14250	766	20	risk	risk	NOUN
cblr-14250	766	21	onto	onto	ADP
cblr-14250	766	22	the	the	DET
cblr-14250	766	23	government.140	government.140	PROPN
cblr-14250	766	24	137	137	NUM
cblr-14250	766	25	the	the	DET
cblr-14250	766	26	idea	idea	NOUN
cblr-14250	766	27	that	that	SCONJ
cblr-14250	766	28	“	"	PUNCT
cblr-14250	766	29	law	law	NOUN
cblr-14250	766	30	”	"	PUNCT
cblr-14250	766	31	and	and	CCONJ
cblr-14250	766	32	“	"	PUNCT
cblr-14250	766	33	society	society	NOUN
cblr-14250	766	34	”	"	PUNCT
cblr-14250	766	35	are	be	AUX
cblr-14250	766	36	mutually	mutually	ADV
cblr-14250	766	37	constitutive	constitutive	ADJ
cblr-14250	766	38	is	be	AUX
cblr-14250	766	39	one	one	NUM
cblr-14250	766	40	of	of	ADP
cblr-14250	766	41	the	the	DET
cblr-14250	766	42	bedrock	bedrock	NOUN
cblr-14250	766	43	contributions	contribution	NOUN
cblr-14250	766	44	of	of	ADP
cblr-14250	766	45	both	both	CCONJ
cblr-14250	766	46	the	the	DET
cblr-14250	766	47	law	law	NOUN
cblr-14250	766	48	and	and	CCONJ
cblr-14250	766	49	society	society	NOUN
cblr-14250	766	50	movement	movement	NOUN
cblr-14250	766	51	and	and	CCONJ
cblr-14250	766	52	the	the	DET
cblr-14250	766	53	critical	critical	ADJ
cblr-14250	766	54	legal	legal	ADJ
cblr-14250	766	55	history	history	NOUN
cblr-14250	766	56	subset	subset	NOUN
cblr-14250	766	57	of	of	ADP
cblr-14250	766	58	it	it	PRON
cblr-14250	766	59	.	.	PUNCT
cblr-14250	767	1	see	see	VERB
cblr-14250	767	2	robert	robert	PROPN
cblr-14250	767	3	gordon	gordon	PROPN
cblr-14250	767	4	,	,	PUNCT
cblr-14250	767	5	critical	critical	ADJ
cblr-14250	767	6	legal	legal	ADJ
cblr-14250	767	7	histories	history	NOUN
cblr-14250	767	8	,	,	PUNCT
cblr-14250	767	9	36	36	NUM
cblr-14250	767	10	stan	stan	PROPN
cblr-14250	767	11	.	.	PUNCT
cblr-14250	768	1	l.	l.	PROPN
cblr-14250	768	2	rev	rev	PROPN
cblr-14250	768	3	.	.	PROPN
cblr-14250	768	4	57	57	NUM
cblr-14250	768	5	(	(	PUNCT
cblr-14250	768	6	1983	1983	NUM
cblr-14250	768	7	)	)	PUNCT
cblr-14250	768	8	.	.	PUNCT
cblr-14250	769	1	138	138	NUM
cblr-14250	769	2	kcr	kcr	NOUN
cblr-14250	769	3	to	to	ADP
cblr-14250	769	4	comptroller	comptroller	NOUN
cblr-14250	769	5	of	of	ADP
cblr-14250	769	6	the	the	DET
cblr-14250	769	7	currency	currency	NOUN
cblr-14250	769	8	(	(	PUNCT
cblr-14250	769	9	sept	sept	PROPN
cblr-14250	769	10	.	.	PROPN
cblr-14250	769	11	7	7	NUM
cblr-14250	769	12	,	,	PUNCT
cblr-14250	769	13	1933	1933	NUM
cblr-14250	769	14	)	)	PUNCT
cblr-14250	769	15	(	(	PUNCT
cblr-14250	769	16	on	on	ADP
cblr-14250	769	17	file	file	NOUN
cblr-14250	769	18	with	with	ADP
cblr-14250	769	19	nat’l	nat’l	NOUN
cblr-14250	769	20	archives	archive	NOUN
cblr-14250	769	21	,	,	PUNCT
cblr-14250	769	22	records	record	NOUN
cblr-14250	769	23	of	of	ADP
cblr-14250	769	24	the	the	DET
cblr-14250	769	25	off	off	NOUN
cblr-14250	769	26	.	.	PUNCT
cblr-14250	769	27	of	of	ADP
cblr-14250	769	28	the	the	DET
cblr-14250	769	29	comptroller	comptroller	NOUN
cblr-14250	769	30	of	of	ADP
cblr-14250	769	31	the	the	DET
cblr-14250	769	32	currency	currency	NOUN
cblr-14250	769	33	,	,	PUNCT
cblr-14250	769	34	rec	rec	PROPN
cblr-14250	769	35	.	.	PROPN
cblr-14250	769	36	grp	grp	PROPN
cblr-14250	769	37	.	.	PROPN
cblr-14250	769	38	101	101	NUM
cblr-14250	769	39	,	,	PUNCT
cblr-14250	769	40	records	record	NOUN
cblr-14250	769	41	relating	relate	VERB
cblr-14250	769	42	to	to	ADP
cblr-14250	769	43	the	the	DET
cblr-14250	769	44	banking	banking	NOUN
cblr-14250	769	45	holiday	holiday	NOUN
cblr-14250	769	46	,	,	PUNCT
cblr-14250	769	47	box	box	PROPN
cblr-14250	769	48	1	1	NUM
cblr-14250	769	49	,	,	PUNCT
cblr-14250	769	50	folder	folder	NOUN
cblr-14250	769	51	dc	dc	PROPN
cblr-14250	769	52	-	-	PUNCT
cblr-14250	769	53	aa-1933	aa-1933	NOUN
cblr-14250	769	54	)	)	PUNCT
cblr-14250	769	55	.	.	PUNCT
cblr-14250	770	1	139	139	NUM
cblr-14250	770	2	emergency	emergency	NOUN
cblr-14250	770	3	banking	banking	NOUN
cblr-14250	770	4	act	act	NOUN
cblr-14250	770	5	of	of	ADP
cblr-14250	770	6	1933	1933	NUM
cblr-14250	770	7	,	,	PUNCT
cblr-14250	770	8	pub	pub	NOUN
cblr-14250	770	9	.	.	PUNCT
cblr-14250	771	1	l.	l.	PROPN
cblr-14250	771	2	73	73	NUM
cblr-14250	771	3	-	-	SYM
cblr-14250	771	4	1	1	NUM
cblr-14250	771	5	,	,	PUNCT
cblr-14250	771	6	48	48	NUM
cblr-14250	771	7	stat	stat	NOUN
cblr-14250	771	8	.	.	PUNCT
cblr-14250	772	1	1	1	NUM
cblr-14250	772	2	,	,	PUNCT
cblr-14250	772	3	title	title	PROPN
cblr-14250	772	4	ii	ii	PROPN
cblr-14250	772	5	.	.	PROPN
cblr-14250	773	1	140	140	NUM
cblr-14250	773	2	banking	banking	NOUN
cblr-14250	773	3	act	act	NOUN
cblr-14250	773	4	of	of	ADP
cblr-14250	773	5	1933	1933	NUM
cblr-14250	773	6	,	,	PUNCT
cblr-14250	773	7	pub	pub	NOUN
cblr-14250	773	8	.	.	PUNCT
cblr-14250	774	1	l.	l.	PROPN
cblr-14250	774	2	73	73	NUM
cblr-14250	774	3	-	-	SYM
cblr-14250	774	4	66	66	NUM
cblr-14250	774	5	§	§	PROPN
cblr-14250	774	6	8	8	NUM
cblr-14250	774	7	(	(	PUNCT
cblr-14250	774	8	amendments	amendment	NOUN
cblr-14250	774	9	to	to	ADP
cblr-14250	774	10	the	the	DET
cblr-14250	774	11	federal	federal	PROPN
cblr-14250	774	12	reserve	reserve	PROPN
cblr-14250	774	13	act	act	PROPN
cblr-14250	774	14	§	§	PROPN
cblr-14250	774	15	12b(bd	12b(bd	NUM
cblr-14250	774	16	)	)	PUNCT
cblr-14250	774	17	)	)	PUNCT
cblr-14250	774	18	(	(	PUNCT
cblr-14250	774	19	1933	1933	NUM
cblr-14250	774	20	)	)	PUNCT
cblr-14250	774	21	;	;	PUNCT
cblr-14250	774	22	annual	annual	ADJ
cblr-14250	774	23	report	report	NOUN
cblr-14250	774	24	of	of	ADP
cblr-14250	774	25	the	the	DET
cblr-14250	774	26	federal	federal	ADJ
cblr-14250	774	27	deposit	deposit	NOUN
cblr-14250	774	28	insurance	insurance	NOUN
cblr-14250	774	29	corporation	corporation	NOUN
cblr-14250	774	30	(	(	PUNCT
cblr-14250	774	31	1934	1934	NUM
cblr-14250	774	32	)	)	PUNCT
cblr-14250	774	33	,	,	PUNCT
cblr-14250	774	34	8	8	NUM
cblr-14250	774	35	.	.	X
cblr-14250	774	36	188	188	NUM
cblr-14250	774	37	columbia	columbia	PROPN
cblr-14250	774	38	business	business	NOUN
cblr-14250	774	39	law	law	PROPN
cblr-14250	774	40	review	review	NOUN
cblr-14250	775	1	[	[	X
cblr-14250	775	2	vol	vol	NOUN
cblr-14250	775	3	.	.	PUNCT
cblr-14250	775	4	2025	2025	NUM
cblr-14250	775	5	second	second	NOUN
cblr-14250	775	6	,	,	PUNCT
cblr-14250	775	7	it	it	PRON
cblr-14250	775	8	eliminated	eliminate	VERB
cblr-14250	775	9	double	double	ADJ
cblr-14250	775	10	liability	liability	NOUN
cblr-14250	775	11	for	for	ADP
cblr-14250	775	12	national	national	ADJ
cblr-14250	775	13	bank	bank	PROPN
cblr-14250	775	14	shareholders	shareholder	NOUN
cblr-14250	775	15	,	,	PUNCT
cblr-14250	775	16	finally	finally	ADV
cblr-14250	775	17	rejecting	reject	VERB
cblr-14250	775	18	shareholder	shareholder	NOUN
cblr-14250	775	19	liability	liability	NOUN
cblr-14250	775	20	as	as	ADP
cblr-14250	775	21	a	a	DET
cblr-14250	775	22	functional	functional	ADJ
cblr-14250	775	23	risk	risk	NOUN
cblr-14250	775	24	management	management	NOUN
cblr-14250	775	25	framework.141	framework.141	NOUN
cblr-14250	775	26	collectively	collectively	ADV
cblr-14250	775	27	,	,	PUNCT
cblr-14250	775	28	these	these	DET
cblr-14250	775	29	moves	move	NOUN
cblr-14250	775	30	signaled	signal	VERB
cblr-14250	775	31	that	that	SCONJ
cblr-14250	775	32	the	the	DET
cblr-14250	775	33	government	government	NOUN
cblr-14250	775	34	,	,	PUNCT
cblr-14250	775	35	not	not	PART
cblr-14250	775	36	private	private	ADJ
cblr-14250	775	37	shareholders	shareholder	NOUN
cblr-14250	775	38	,	,	PUNCT
cblr-14250	775	39	stood	stand	VERB
cblr-14250	775	40	as	as	ADP
cblr-14250	775	41	the	the	DET
cblr-14250	775	42	final	final	ADJ
cblr-14250	775	43	backstop	backstop	NOUN
cblr-14250	775	44	of	of	ADP
cblr-14250	775	45	the	the	DET
cblr-14250	775	46	banking	banking	NOUN
cblr-14250	775	47	system	system	NOUN
cblr-14250	775	48	.	.	PUNCT
cblr-14250	776	1	though	though	SCONJ
cblr-14250	776	2	visible	visible	ADJ
cblr-14250	776	3	in	in	ADP
cblr-14250	776	4	hindsight	hindsight	ADJ
cblr-14250	776	5	,	,	PUNCT
cblr-14250	776	6	this	this	DET
cblr-14250	776	7	transformation	transformation	NOUN
cblr-14250	776	8	took	take	VERB
cblr-14250	776	9	time	time	NOUN
cblr-14250	776	10	to	to	PART
cblr-14250	776	11	develop	develop	VERB
cblr-14250	776	12	.	.	PUNCT
cblr-14250	777	1	many	many	ADJ
cblr-14250	777	2	in	in	ADP
cblr-14250	777	3	congress	congress	PROPN
cblr-14250	777	4	and	and	CCONJ
cblr-14250	777	5	most	most	ADJ
cblr-14250	777	6	in	in	ADP
cblr-14250	777	7	the	the	DET
cblr-14250	777	8	administration	administration	NOUN
cblr-14250	777	9	did	do	AUX
cblr-14250	777	10	not	not	PART
cblr-14250	777	11	support	support	VERB
cblr-14250	777	12	deposit	deposit	NOUN
cblr-14250	777	13	insurance	insurance	NOUN
cblr-14250	777	14	,	,	PUNCT
cblr-14250	777	15	while	while	SCONJ
cblr-14250	777	16	the	the	DET
cblr-14250	777	17	original	original	ADJ
cblr-14250	777	18	design	design	NOUN
cblr-14250	777	19	also	also	ADV
cblr-14250	777	20	mandated	mandate	VERB
cblr-14250	777	21	that	that	SCONJ
cblr-14250	777	22	insured	insure	VERB
cblr-14250	777	23	banks	bank	NOUN
cblr-14250	777	24	eventually	eventually	ADV
cblr-14250	777	25	join	join	VERB
cblr-14250	777	26	the	the	DET
cblr-14250	777	27	federal	federal	PROPN
cblr-14250	777	28	reserve	reserve	PROPN
cblr-14250	777	29	system	system	NOUN
cblr-14250	777	30	.	.	PUNCT
cblr-14250	778	1	instead	instead	ADV
cblr-14250	778	2	,	,	PUNCT
cblr-14250	778	3	the	the	DET
cblr-14250	778	4	result	result	NOUN
cblr-14250	778	5	of	of	ADP
cblr-14250	778	6	the	the	DET
cblr-14250	778	7	new	new	ADJ
cblr-14250	778	8	deal	deal	NOUN
cblr-14250	778	9	banking	banking	NOUN
cblr-14250	778	10	reforms	reform	NOUN
cblr-14250	778	11	was	be	AUX
cblr-14250	778	12	a	a	DET
cblr-14250	778	13	three	three	NUM
cblr-14250	778	14	-	-	PUNCT
cblr-14250	778	15	layered	layered	ADJ
cblr-14250	778	16	supervisory	supervisory	ADJ
cblr-14250	778	17	structure	structure	NOUN
cblr-14250	778	18	,	,	PUNCT
cblr-14250	778	19	with	with	ADP
cblr-14250	778	20	each	each	DET
cblr-14250	778	21	layer	layer	NOUN
cblr-14250	778	22	operating	operate	VERB
cblr-14250	778	23	according	accord	VERB
cblr-14250	778	24	to	to	ADP
cblr-14250	778	25	a	a	DET
cblr-14250	778	26	different	different	ADJ
cblr-14250	778	27	risk	risk	NOUN
cblr-14250	778	28	management	management	NOUN
cblr-14250	778	29	logic	logic	NOUN
cblr-14250	778	30	.	.	PUNCT
cblr-14250	779	1	the	the	DET
cblr-14250	779	2	chartering	charter	VERB
cblr-14250	779	3	authorities	authority	NOUN
cblr-14250	779	4	—	—	PUNCT
cblr-14250	779	5	the	the	DET
cblr-14250	779	6	comptroller	comptroller	NOUN
cblr-14250	779	7	and	and	CCONJ
cblr-14250	779	8	the	the	DET
cblr-14250	779	9	states	state	NOUN
cblr-14250	779	10	—	—	PUNCT
cblr-14250	779	11	remained	remain	VERB
cblr-14250	779	12	committed	committed	ADJ
cblr-14250	779	13	to	to	ADP
cblr-14250	779	14	visitorial	visitorial	ADJ
cblr-14250	779	15	oversight	oversight	NOUN
cblr-14250	779	16	.	.	PUNCT
cblr-14250	780	1	the	the	DET
cblr-14250	780	2	federal	federal	PROPN
cblr-14250	780	3	reserve	reserve	PROPN
cblr-14250	780	4	,	,	PUNCT
cblr-14250	780	5	in	in	ADP
cblr-14250	780	6	turn	turn	NOUN
cblr-14250	780	7	,	,	PUNCT
cblr-14250	780	8	managed	manage	VERB
cblr-14250	780	9	risk	risk	NOUN
cblr-14250	780	10	through	through	ADP
cblr-14250	780	11	its	its	PRON
cblr-14250	780	12	balance	balance	NOUN
cblr-14250	780	13	sheet	sheet	NOUN
cblr-14250	780	14	,	,	PUNCT
cblr-14250	780	15	powers	power	NOUN
cblr-14250	780	16	that	that	PRON
cblr-14250	780	17	became	become	VERB
cblr-14250	780	18	more	more	ADV
cblr-14250	780	19	centralized	centralized	ADJ
cblr-14250	780	20	and	and	CCONJ
cblr-14250	780	21	coordinated	coordinate	VERB
cblr-14250	780	22	after	after	ADP
cblr-14250	780	23	the	the	DET
cblr-14250	780	24	1935	1935	NUM
cblr-14250	780	25	banking	banking	NOUN
cblr-14250	780	26	act	act	NOUN
cblr-14250	780	27	.	.	PUNCT
cblr-14250	781	1	finally	finally	ADV
cblr-14250	781	2	,	,	PUNCT
cblr-14250	781	3	the	the	DET
cblr-14250	781	4	fdic	fdic	PROPN
cblr-14250	781	5	linked	link	VERB
cblr-14250	781	6	the	the	DET
cblr-14250	781	7	state	state	NOUN
cblr-14250	781	8	and	and	CCONJ
cblr-14250	781	9	federal	federal	ADJ
cblr-14250	781	10	systems	system	NOUN
cblr-14250	781	11	,	,	PUNCT
cblr-14250	781	12	supervising	supervise	VERB
cblr-14250	781	13	in	in	ADP
cblr-14250	781	14	defense	defense	NOUN
cblr-14250	781	15	of	of	ADP
cblr-14250	781	16	its	its	PRON
cblr-14250	781	17	insurance	insurance	NOUN
cblr-14250	781	18	fund.142	fund.142	VERB
cblr-14250	781	19	the	the	DET
cblr-14250	781	20	creation	creation	NOUN
cblr-14250	781	21	of	of	ADP
cblr-14250	781	22	the	the	DET
cblr-14250	781	23	federal	federal	PROPN
cblr-14250	781	24	reserve	reserve	PROPN
cblr-14250	781	25	system	system	NOUN
cblr-14250	781	26	gave	give	VERB
cblr-14250	781	27	hints	hint	NOUN
cblr-14250	781	28	of	of	ADP
cblr-14250	781	29	the	the	DET
cblr-14250	781	30	public	public	ADJ
cblr-14250	781	31	-	-	PUNCT
cblr-14250	781	32	private	private	ADJ
cblr-14250	781	33	partnership	partnership	NOUN
cblr-14250	781	34	at	at	ADP
cblr-14250	781	35	the	the	DET
cblr-14250	781	36	center	center	NOUN
cblr-14250	781	37	of	of	ADP
cblr-14250	781	38	bank	bank	PROPN
cblr-14250	781	39	supervision	supervision	NOUN
cblr-14250	781	40	,	,	PUNCT
cblr-14250	781	41	a	a	DET
cblr-14250	781	42	growing	grow	VERB
cblr-14250	781	43	realization	realization	NOUN
cblr-14250	781	44	from	from	ADP
cblr-14250	781	45	the	the	DET
cblr-14250	781	46	gilded	gild	VERB
cblr-14250	781	47	age	age	NOUN
cblr-14250	781	48	that	that	PRON
cblr-14250	781	49	,	,	PUNCT
cblr-14250	781	50	for	for	ADP
cblr-14250	781	51	political	political	ADJ
cblr-14250	781	52	reasons	reason	NOUN
cblr-14250	781	53	,	,	PUNCT
cblr-14250	781	54	neither	neither	CCONJ
cblr-14250	781	55	politicians	politician	NOUN
cblr-14250	781	56	nor	nor	CCONJ
cblr-14250	781	57	bankers	banker	NOUN
cblr-14250	781	58	could	could	AUX
cblr-14250	781	59	transparently	transparently	ADV
cblr-14250	781	60	embrace	embrace	VERB
cblr-14250	781	61	.	.	PUNCT
cblr-14250	782	1	the	the	DET
cblr-14250	782	2	creation	creation	NOUN
cblr-14250	782	3	of	of	ADP
cblr-14250	782	4	the	the	DET
cblr-14250	782	5	fdic	fdic	PROPN
cblr-14250	782	6	constituted	constitute	VERB
cblr-14250	782	7	this	this	DET
cblr-14250	782	8	very	very	ADJ
cblr-14250	782	9	embrace	embrace	NOUN
cblr-14250	782	10	.	.	PUNCT
cblr-14250	783	1	bank	bank	NOUN
cblr-14250	783	2	supervision	supervision	NOUN
cblr-14250	783	3	would	would	AUX
cblr-14250	783	4	never	never	ADV
cblr-14250	783	5	be	be	AUX
cblr-14250	783	6	the	the	DET
cblr-14250	783	7	same	same	ADJ
cblr-14250	783	8	.	.	PUNCT
cblr-14250	784	1	during	during	ADP
cblr-14250	784	2	the	the	DET
cblr-14250	784	3	new	new	ADJ
cblr-14250	784	4	deal	deal	NOUN
cblr-14250	784	5	and	and	CCONJ
cblr-14250	784	6	almost	almost	ADV
cblr-14250	784	7	perpetually	perpetually	ADV
cblr-14250	784	8	thereafter	thereafter	ADV
cblr-14250	784	9	,	,	PUNCT
cblr-14250	784	10	reformers	reformer	NOUN
cblr-14250	784	11	have	have	AUX
cblr-14250	784	12	sought	seek	VERB
cblr-14250	784	13	to	to	PART
cblr-14250	784	14	consolidate	consolidate	VERB
cblr-14250	784	15	these	these	DET
cblr-14250	784	16	overlapping	overlap	VERB
cblr-14250	784	17	institutions	institution	NOUN
cblr-14250	784	18	.	.	PUNCT
cblr-14250	785	1	their	their	PRON
cblr-14250	785	2	resistance	resistance	NOUN
cblr-14250	785	3	to	to	ADP
cblr-14250	785	4	consolidation	consolidation	NOUN
cblr-14250	785	5	can	can	AUX
cblr-14250	785	6	cynically	cynically	ADV
cblr-14250	785	7	be	be	AUX
cblr-14250	785	8	chalked	chalk	VERB
cblr-14250	785	9	up	up	ADP
cblr-14250	785	10	to	to	ADP
cblr-14250	785	11	institutional	institutional	ADJ
cblr-14250	785	12	competition	competition	NOUN
cblr-14250	785	13	,	,	PUNCT
cblr-14250	785	14	which	which	PRON
cblr-14250	785	15	certainly	certainly	ADV
cblr-14250	785	16	has	have	AUX
cblr-14250	785	17	played	play	VERB
cblr-14250	785	18	a	a	DET
cblr-14250	785	19	role	role	NOUN
cblr-14250	785	20	.	.	PUNCT
cblr-14250	786	1	it	it	PRON
cblr-14250	786	2	is	be	AUX
cblr-14250	786	3	also	also	ADV
cblr-14250	786	4	significant	significant	ADJ
cblr-14250	786	5	that	that	SCONJ
cblr-14250	786	6	these	these	DET
cblr-14250	786	7	institutions	institution	NOUN
cblr-14250	786	8	are	be	AUX
cblr-14250	786	9	each	each	PRON
cblr-14250	786	10	rooted	root	VERB
cblr-14250	786	11	in	in	ADP
cblr-14250	786	12	a	a	DET
cblr-14250	786	13	different	different	ADJ
cblr-14250	786	14	risk	risk	NOUN
cblr-14250	786	15	management	management	NOUN
cblr-14250	786	16	framework	framework	NOUN
cblr-14250	786	17	,	,	PUNCT
cblr-14250	786	18	such	such	ADJ
cblr-14250	786	19	that	that	SCONJ
cblr-14250	786	20	their	their	PRON
cblr-14250	786	21	supervisory	supervisory	ADJ
cblr-14250	786	22	role	role	NOUN
cblr-14250	786	23	is	be	AUX
cblr-14250	786	24	an	an	DET
cblr-14250	786	25	outgrowth	outgrowth	NOUN
cblr-14250	786	26	of	of	ADP
cblr-14250	786	27	their	their	PRON
cblr-14250	786	28	approach	approach	NOUN
cblr-14250	786	29	to	to	ADP
cblr-14250	786	30	managing	manage	VERB
cblr-14250	786	31	residual	residual	ADJ
cblr-14250	786	32	risk	risk	NOUN
cblr-14250	786	33	.	.	PUNCT
cblr-14250	787	1	in	in	ADP
cblr-14250	787	2	the	the	DET
cblr-14250	787	3	progressive	progressive	ADJ
cblr-14250	787	4	era	era	NOUN
cblr-14250	787	5	,	,	PUNCT
cblr-14250	787	6	these	these	DET
cblr-14250	787	7	141	141	NUM
cblr-14250	787	8	see	see	VERB
cblr-14250	787	9	jonathan	jonathan	PROPN
cblr-14250	787	10	r.	r.	PROPN
cblr-14250	787	11	macey	macey	PROPN
cblr-14250	787	12	&	&	CCONJ
cblr-14250	787	13	geoffrey	geoffrey	PROPN
cblr-14250	787	14	p.	p.	PROPN
cblr-14250	787	15	miller	miller	PROPN
cblr-14250	787	16	,	,	PUNCT
cblr-14250	787	17	double	double	ADJ
cblr-14250	787	18	liability	liability	NOUN
cblr-14250	787	19	of	of	ADP
cblr-14250	787	20	bank	bank	NOUN
cblr-14250	787	21	shareholders	shareholder	NOUN
cblr-14250	787	22	:	:	PUNCT
cblr-14250	787	23	history	history	NOUN
cblr-14250	787	24	and	and	CCONJ
cblr-14250	787	25	implications	implication	NOUN
cblr-14250	787	26	,	,	PUNCT
cblr-14250	787	27	27	27	NUM
cblr-14250	787	28	wake	wake	VERB
cblr-14250	787	29	forest	forest	PROPN
cblr-14250	787	30	l.	l.	PROPN
cblr-14250	787	31	rev	rev	PROPN
cblr-14250	787	32	.	.	PROPN
cblr-14250	787	33	31	31	NUM
cblr-14250	787	34	,	,	PUNCT
cblr-14250	787	35	32	32	NUM
cblr-14250	787	36	(	(	PUNCT
cblr-14250	787	37	1992	1992	NUM
cblr-14250	787	38	)	)	PUNCT
cblr-14250	787	39	.	.	PUNCT
cblr-14250	788	1	142	142	NUM
cblr-14250	788	2	banking	banking	NOUN
cblr-14250	788	3	act	act	NOUN
cblr-14250	788	4	of	of	ADP
cblr-14250	788	5	1933	1933	NUM
cblr-14250	788	6	§	§	PROPN
cblr-14250	788	7	8(y	8(y	NUM
cblr-14250	788	8	)	)	PUNCT
cblr-14250	788	9	.	.	PUNCT
cblr-14250	789	1	no	no	INTJ
cblr-14250	789	2	.	.	NOUN
cblr-14250	789	3	1	1	NUM
cblr-14250	789	4	]	]	PUNCT
cblr-14250	789	5	risk	risk	NOUN
cblr-14250	789	6	,	,	PUNCT
cblr-14250	789	7	discretion	discretion	NOUN
cblr-14250	789	8	,	,	PUNCT
cblr-14250	789	9	and	and	CCONJ
cblr-14250	789	10	bank	bank	NOUN
cblr-14250	789	11	supervision	supervision	NOUN
cblr-14250	789	12	189	189	NUM
cblr-14250	789	13	frameworks	framework	NOUN
cblr-14250	789	14	emerged	emerge	VERB
cblr-14250	789	15	as	as	ADP
cblr-14250	789	16	substitutes	substitute	NOUN
cblr-14250	789	17	:	:	PUNCT
cblr-14250	789	18	central	central	ADJ
cblr-14250	789	19	banking	banking	NOUN
cblr-14250	789	20	or	or	CCONJ
cblr-14250	789	21	deposit	deposit	NOUN
cblr-14250	789	22	insurance	insurance	NOUN
cblr-14250	789	23	.	.	PUNCT
cblr-14250	790	1	yet	yet	ADV
cblr-14250	790	2	after	after	ADP
cblr-14250	790	3	the	the	DET
cblr-14250	790	4	new	new	ADJ
cblr-14250	790	5	deal	deal	NOUN
cblr-14250	790	6	,	,	PUNCT
cblr-14250	790	7	they	they	PRON
cblr-14250	790	8	were	be	AUX
cblr-14250	790	9	reconceptualized	reconceptualize	VERB
cblr-14250	790	10	—	—	PUNCT
cblr-14250	790	11	again	again	ADV
cblr-14250	790	12	,	,	PUNCT
cblr-14250	790	13	gradually	gradually	ADV
cblr-14250	790	14	—	—	PUNCT
cblr-14250	790	15	as	as	SCONJ
cblr-14250	790	16	compliments	compliment	NOUN
cblr-14250	790	17	:	:	PUNCT
cblr-14250	790	18	central	central	ADJ
cblr-14250	790	19	banking	banking	NOUN
cblr-14250	790	20	and	and	CCONJ
cblr-14250	790	21	deposit	deposit	NOUN
cblr-14250	790	22	insurance	insurance	NOUN
cblr-14250	790	23	.	.	PUNCT
cblr-14250	791	1	in	in	ADP
cblr-14250	791	2	the	the	DET
cblr-14250	791	3	new	new	ADJ
cblr-14250	791	4	deal	deal	NOUN
cblr-14250	791	5	era	era	NOUN
cblr-14250	791	6	,	,	PUNCT
cblr-14250	791	7	the	the	DET
cblr-14250	791	8	fdic	fdic	PROPN
cblr-14250	791	9	was	be	AUX
cblr-14250	791	10	first	first	ADJ
cblr-14250	791	11	among	among	ADP
cblr-14250	791	12	equals	equal	NOUN
cblr-14250	791	13	,	,	PUNCT
cblr-14250	791	14	which	which	PRON
cblr-14250	791	15	led	lead	VERB
cblr-14250	791	16	to	to	ADP
cblr-14250	791	17	significant	significant	ADJ
cblr-14250	791	18	changes	change	NOUN
cblr-14250	791	19	in	in	ADP
cblr-14250	791	20	how	how	SCONJ
cblr-14250	791	21	supervision	supervision	NOUN
cblr-14250	791	22	occurred	occur	VERB
cblr-14250	791	23	.	.	PUNCT
cblr-14250	792	1	federal	federal	ADJ
cblr-14250	792	2	supervisors	supervisor	NOUN
cblr-14250	792	3	reconfigured	reconfigure	VERB
cblr-14250	792	4	how	how	SCONJ
cblr-14250	792	5	they	they	PRON
cblr-14250	792	6	evaluated	evaluate	VERB
cblr-14250	792	7	bank	bank	NOUN
cblr-14250	792	8	assets	asset	NOUN
cblr-14250	792	9	,	,	PUNCT
cblr-14250	792	10	discarding	discard	VERB
cblr-14250	792	11	frameworks	framework	NOUN
cblr-14250	792	12	developed	develop	VERB
cblr-14250	792	13	under	under	ADP
cblr-14250	792	14	the	the	DET
cblr-14250	792	15	real	real	ADJ
cblr-14250	792	16	bills	bill	NOUN
cblr-14250	792	17	doctrine	doctrine	VERB
cblr-14250	792	18	,	,	PUNCT
cblr-14250	792	19	while	while	SCONJ
cblr-14250	792	20	retaining	retain	VERB
cblr-14250	792	21	the	the	DET
cblr-14250	792	22	role	role	NOUN
cblr-14250	792	23	of	of	ADP
cblr-14250	792	24	examiners	examiner	NOUN
cblr-14250	792	25	in	in	ADP
cblr-14250	792	26	criticizing	criticize	VERB
cblr-14250	792	27	bank	bank	NOUN
cblr-14250	792	28	assets	asset	NOUN
cblr-14250	792	29	.	.	PUNCT
cblr-14250	793	1	supervisors	supervisor	NOUN
cblr-14250	793	2	also	also	ADV
cblr-14250	793	3	discarded	discard	VERB
cblr-14250	793	4	liquidity	liquidity	NOUN
cblr-14250	793	5	and	and	CCONJ
cblr-14250	793	6	market	market	NOUN
cblr-14250	793	7	prices	price	NOUN
cblr-14250	793	8	as	as	ADP
cblr-14250	793	9	meaningful	meaningful	ADJ
cblr-14250	793	10	metrics	metric	NOUN
cblr-14250	793	11	of	of	ADP
cblr-14250	793	12	bank	bank	NOUN
cblr-14250	793	13	wellbeing	wellbee	VERB
cblr-14250	793	14	.	.	PUNCT
cblr-14250	794	1	with	with	SCONJ
cblr-14250	794	2	the	the	DET
cblr-14250	794	3	fdic	fdic	PROPN
cblr-14250	794	4	ready	ready	ADJ
cblr-14250	794	5	to	to	PART
cblr-14250	794	6	assume	assume	VERB
cblr-14250	794	7	the	the	DET
cblr-14250	794	8	assets	asset	NOUN
cblr-14250	794	9	and	and	CCONJ
cblr-14250	794	10	liabilities	liability	NOUN
cblr-14250	794	11	of	of	ADP
cblr-14250	794	12	a	a	DET
cblr-14250	794	13	failed	fail	VERB
cblr-14250	794	14	bank	bank	NOUN
cblr-14250	794	15	,	,	PUNCT
cblr-14250	794	16	the	the	DET
cblr-14250	794	17	core	core	NOUN
cblr-14250	794	18	criterion	criterion	NOUN
cblr-14250	794	19	for	for	ADP
cblr-14250	794	20	determining	determine	VERB
cblr-14250	794	21	bank	bank	NOUN
cblr-14250	794	22	solvency	solvency	NOUN
cblr-14250	794	23	was	be	AUX
cblr-14250	794	24	the	the	DET
cblr-14250	794	25	“	"	PUNCT
cblr-14250	794	26	intrinsic	intrinsic	ADJ
cblr-14250	794	27	value	value	NOUN
cblr-14250	794	28	”	"	PUNCT
cblr-14250	794	29	of	of	ADP
cblr-14250	794	30	bank	bank	NOUN
cblr-14250	794	31	assets	asset	NOUN
cblr-14250	794	32	,	,	PUNCT
cblr-14250	794	33	a	a	DET
cblr-14250	794	34	measure	measure	NOUN
cblr-14250	794	35	entirely	entirely	ADV
cblr-14250	794	36	in	in	ADP
cblr-14250	794	37	the	the	DET
cblr-14250	794	38	realm	realm	NOUN
cblr-14250	794	39	of	of	ADP
cblr-14250	794	40	supervisory	supervisory	ADJ
cblr-14250	794	41	discretion.143	discretion.143	NOUN
cblr-14250	794	42	as	as	SCONJ
cblr-14250	794	43	they	they	PRON
cblr-14250	794	44	reformulated	reformulate	VERB
cblr-14250	794	45	their	their	PRON
cblr-14250	794	46	approach	approach	NOUN
cblr-14250	794	47	to	to	ADP
cblr-14250	794	48	evaluating	evaluate	VERB
cblr-14250	794	49	bank	bank	NOUN
cblr-14250	794	50	balance	balance	NOUN
cblr-14250	794	51	sheets	sheet	NOUN
cblr-14250	794	52	,	,	PUNCT
cblr-14250	794	53	supervisors	supervisor	NOUN
cblr-14250	794	54	also	also	ADV
cblr-14250	794	55	placed	place	VERB
cblr-14250	794	56	increasing	increase	VERB
cblr-14250	794	57	emphasis	emphasis	NOUN
cblr-14250	794	58	on	on	ADP
cblr-14250	794	59	systematically	systematically	ADV
cblr-14250	794	60	evaluating	evaluate	VERB
cblr-14250	794	61	bank	bank	NOUN
cblr-14250	794	62	management	management	NOUN
cblr-14250	794	63	.	.	PUNCT
cblr-14250	795	1	competent	competent	ADJ
cblr-14250	795	2	bankers	banker	NOUN
cblr-14250	795	3	could	could	AUX
cblr-14250	795	4	be	be	AUX
cblr-14250	795	5	trusted	trust	VERB
cblr-14250	795	6	to	to	PART
cblr-14250	795	7	manage	manage	VERB
cblr-14250	795	8	more	more	ADJ
cblr-14250	795	9	risk	risk	NOUN
cblr-14250	795	10	;	;	PUNCT
cblr-14250	795	11	incompetent	incompetent	ADJ
cblr-14250	795	12	bankers	banker	NOUN
cblr-14250	795	13	would	would	AUX
cblr-14250	795	14	require	require	VERB
cblr-14250	795	15	more	more	ADJ
cblr-14250	795	16	government	government	NOUN
cblr-14250	795	17	oversight	oversight	NOUN
cblr-14250	795	18	.	.	PUNCT
cblr-14250	796	1	finally	finally	ADV
cblr-14250	796	2	,	,	PUNCT
cblr-14250	796	3	although	although	SCONJ
cblr-14250	796	4	deposit	deposit	NOUN
cblr-14250	796	5	insurance	insurance	NOUN
cblr-14250	796	6	provided	provide	VERB
cblr-14250	796	7	only	only	ADV
cblr-14250	796	8	limited	limited	ADJ
cblr-14250	796	9	protection	protection	NOUN
cblr-14250	796	10	(	(	PUNCT
cblr-14250	796	11	$	$	SYM
cblr-14250	796	12	2,500	2,500	NUM
cblr-14250	796	13	)	)	PUNCT
cblr-14250	796	14	,	,	PUNCT
cblr-14250	796	15	the	the	DET
cblr-14250	796	16	fdic	fdic	PROPN
cblr-14250	796	17	developed	develop	VERB
cblr-14250	796	18	tools	tool	NOUN
cblr-14250	796	19	that	that	PRON
cblr-14250	796	20	would	would	AUX
cblr-14250	796	21	enable	enable	VERB
cblr-14250	796	22	it	it	PRON
cblr-14250	796	23	to	to	PART
cblr-14250	796	24	shield	shield	VERB
cblr-14250	796	25	all	all	DET
cblr-14250	796	26	depositors	depositor	NOUN
cblr-14250	796	27	.	.	PUNCT
cblr-14250	797	1	through	through	ADP
cblr-14250	797	2	purchase	purchase	NOUN
cblr-14250	797	3	and	and	CCONJ
cblr-14250	797	4	assumption	assumption	NOUN
cblr-14250	797	5	transactions	transaction	NOUN
cblr-14250	797	6	,	,	PUNCT
cblr-14250	797	7	the	the	DET
cblr-14250	797	8	fdic	fdic	PROPN
cblr-14250	797	9	would	would	AUX
cblr-14250	797	10	143	143	NUM
cblr-14250	797	11	leo	leo	PROPN
cblr-14250	797	12	t.	t.	PROPN
cblr-14250	797	13	crowley	crowley	PROPN
cblr-14250	797	14	,	,	PUNCT
cblr-14250	797	15	memorandum	memorandum	NOUN
cblr-14250	797	16	on	on	ADP
cblr-14250	797	17	the	the	DET
cblr-14250	797	18	classification	classification	NOUN
cblr-14250	797	19	of	of	ADP
cblr-14250	797	20	loans	loan	NOUN
cblr-14250	797	21	(	(	PUNCT
cblr-14250	797	22	c.	c.	PROPN
cblr-14250	797	23	sept	sept	PROPN
cblr-14250	797	24	.	.	PROPN
cblr-14250	797	25	1934	1934	NUM
cblr-14250	797	26	)	)	PUNCT
cblr-14250	798	1	(	(	PUNCT
cblr-14250	798	2	on	on	ADP
cblr-14250	798	3	file	file	NOUN
cblr-14250	798	4	with	with	ADP
cblr-14250	798	5	nat’l	nat’l	NOUN
cblr-14250	798	6	archives	archive	NOUN
cblr-14250	798	7	,	,	PUNCT
cblr-14250	798	8	rec	rec	PROPN
cblr-14250	798	9	.	.	PROPN
cblr-14250	798	10	grp	grp	PROPN
cblr-14250	798	11	.	.	PROPN
cblr-14250	798	12	34	34	NUM
cblr-14250	798	13	,	,	PUNCT
cblr-14250	798	14	records	record	NOUN
cblr-14250	798	15	of	of	ADP
cblr-14250	798	16	the	the	DET
cblr-14250	798	17	fed	fed	PROPN
cblr-14250	798	18	.	.	PUNCT
cblr-14250	799	1	deposit	deposit	PROPN
cblr-14250	799	2	ins	ins	PROPN
cblr-14250	799	3	.	.	PUNCT
cblr-14250	799	4	corp	corp	PROPN
cblr-14250	799	5	.	.	PROPN
cblr-14250	799	6	,	,	PUNCT
cblr-14250	799	7	off	off	ADP
cblr-14250	799	8	.	.	PUNCT
cblr-14250	800	1	of	of	ADP
cblr-14250	800	2	the	the	DET
cblr-14250	800	3	chairman	chairman	NOUN
cblr-14250	800	4	of	of	ADP
cblr-14250	800	5	the	the	DET
cblr-14250	800	6	bd	bd	PROPN
cblr-14250	800	7	.	.	PROPN
cblr-14250	800	8	of	of	ADP
cblr-14250	800	9	directors	director	NOUN
cblr-14250	800	10	,	,	PUNCT
cblr-14250	800	11	letters	letter	NOUN
cblr-14250	800	12	and	and	CCONJ
cblr-14250	800	13	memorandums	memorandum	NOUN
cblr-14250	800	14	of	of	ADP
cblr-14250	800	15	leo	leo	PROPN
cblr-14250	800	16	t.	t.	PROPN
cblr-14250	800	17	crowley	crowley	PROPN
cblr-14250	800	18	)	)	PUNCT
cblr-14250	801	1	;	;	PUNCT
cblr-14250	801	2	leo	leo	PROPN
cblr-14250	801	3	t.	t.	PROPN
cblr-14250	801	4	crowley	crowley	PROPN
cblr-14250	801	5	,	,	PUNCT
cblr-14250	801	6	report	report	NOUN
cblr-14250	801	7	of	of	ADP
cblr-14250	801	8	the	the	DET
cblr-14250	801	9	meeting	meeting	NOUN
cblr-14250	801	10	(	(	PUNCT
cblr-14250	801	11	sept	sept	PROPN
cblr-14250	801	12	.	.	PROPN
cblr-14250	801	13	10	10	NUM
cblr-14250	801	14	,	,	PUNCT
cblr-14250	801	15	1934	1934	NUM
cblr-14250	801	16	)	)	PUNCT
cblr-14250	801	17	(	(	PUNCT
cblr-14250	801	18	on	on	ADP
cblr-14250	801	19	file	file	NOUN
cblr-14250	801	20	with	with	ADP
cblr-14250	801	21	nat’l	nat’l	NOUN
cblr-14250	801	22	archives	archive	NOUN
cblr-14250	801	23	,	,	PUNCT
cblr-14250	801	24	rec	rec	PROPN
cblr-14250	801	25	.	.	PROPN
cblr-14250	801	26	grp	grp	PROPN
cblr-14250	801	27	.	.	PROPN
cblr-14250	801	28	34	34	NUM
cblr-14250	801	29	,	,	PUNCT
cblr-14250	801	30	records	record	NOUN
cblr-14250	801	31	of	of	ADP
cblr-14250	801	32	the	the	DET
cblr-14250	801	33	fed	fed	PROPN
cblr-14250	801	34	.	.	PUNCT
cblr-14250	802	1	deposit	deposit	PROPN
cblr-14250	802	2	ins	ins	PROPN
cblr-14250	802	3	.	.	PUNCT
cblr-14250	802	4	corp	corp	PROPN
cblr-14250	802	5	.	.	PROPN
cblr-14250	802	6	,	,	PUNCT
cblr-14250	802	7	off	off	ADP
cblr-14250	802	8	.	.	PUNCT
cblr-14250	803	1	of	of	ADP
cblr-14250	803	2	the	the	DET
cblr-14250	803	3	chairman	chairman	NOUN
cblr-14250	803	4	of	of	ADP
cblr-14250	803	5	the	the	DET
cblr-14250	803	6	bd	bd	PROPN
cblr-14250	803	7	.	.	PROPN
cblr-14250	803	8	of	of	ADP
cblr-14250	803	9	directors	director	NOUN
cblr-14250	803	10	,	,	PUNCT
cblr-14250	803	11	letters	letter	NOUN
cblr-14250	803	12	and	and	CCONJ
cblr-14250	803	13	memorandums	memorandum	NOUN
cblr-14250	803	14	of	of	ADP
cblr-14250	803	15	leo	leo	PROPN
cblr-14250	803	16	t.	t.	PROPN
cblr-14250	803	17	crowley	crowley	PROPN
cblr-14250	803	18	,	,	PUNCT
cblr-14250	803	19	box	box	PROPN
cblr-14250	803	20	2	2	NUM
cblr-14250	803	21	,	,	PUNCT
cblr-14250	803	22	folder	folder	NOUN
cblr-14250	803	23	examining	examine	VERB
cblr-14250	803	24	division	division	NOUN
cblr-14250	803	25	:	:	PUNCT
cblr-14250	803	26	hopkins	hopkins	PROPN
cblr-14250	803	27	,	,	PUNCT
cblr-14250	803	28	r.	r.	PROPN
cblr-14250	803	29	l.	l.	PROPN
cblr-14250	803	30	)	)	PUNCT
cblr-14250	803	31	;	;	PUNCT
cblr-14250	803	32	r.	r.	PROPN
cblr-14250	803	33	l.	l.	PROPN
cblr-14250	803	34	hopkins	hopkins	PROPN
cblr-14250	803	35	memorandum	memorandum	PROPN
cblr-14250	803	36	to	to	ADP
cblr-14250	803	37	leo	leo	PROPN
cblr-14250	803	38	t.	t.	PROPN
cblr-14250	803	39	crowley	crowley	PROPN
cblr-14250	803	40	,	,	PUNCT
cblr-14250	803	41	necessity	necessity	NOUN
cblr-14250	803	42	for	for	ADP
cblr-14250	803	43	continued	continue	VERB
cblr-14250	803	44	examination	examination	NOUN
cblr-14250	803	45	of	of	ADP
cblr-14250	803	46	banks	bank	NOUN
cblr-14250	803	47	in	in	ADP
cblr-14250	803	48	the	the	DET
cblr-14250	803	49	manner	manner	NOUN
cblr-14250	803	50	now	now	ADV
cblr-14250	803	51	adopted	adopt	VERB
cblr-14250	803	52	(	(	PUNCT
cblr-14250	803	53	apr	apr	NOUN
cblr-14250	803	54	.	.	PROPN
cblr-14250	803	55	27	27	NUM
cblr-14250	803	56	,	,	PUNCT
cblr-14250	803	57	1935	1935	NUM
cblr-14250	803	58	)	)	PUNCT
cblr-14250	804	1	(	(	PUNCT
cblr-14250	804	2	on	on	ADP
cblr-14250	804	3	file	file	NOUN
cblr-14250	804	4	with	with	ADP
cblr-14250	804	5	nat’l	nat’l	NOUN
cblr-14250	804	6	archives	archive	NOUN
cblr-14250	804	7	,	,	PUNCT
cblr-14250	804	8	rec	rec	PROPN
cblr-14250	804	9	.	.	PROPN
cblr-14250	804	10	grp	grp	PROPN
cblr-14250	804	11	.	.	PROPN
cblr-14250	804	12	34	34	NUM
cblr-14250	804	13	,	,	PUNCT
cblr-14250	804	14	records	record	NOUN
cblr-14250	804	15	of	of	ADP
cblr-14250	804	16	the	the	DET
cblr-14250	804	17	fed	fed	PROPN
cblr-14250	804	18	.	.	PUNCT
cblr-14250	805	1	deposit	deposit	PROPN
cblr-14250	805	2	ins	ins	PROPN
cblr-14250	805	3	.	.	PUNCT
cblr-14250	805	4	corp	corp	PROPN
cblr-14250	805	5	.	.	PROPN
cblr-14250	805	6	,	,	PUNCT
cblr-14250	805	7	off	off	ADP
cblr-14250	805	8	.	.	PUNCT
cblr-14250	806	1	of	of	ADP
cblr-14250	806	2	the	the	DET
cblr-14250	806	3	chairman	chairman	NOUN
cblr-14250	806	4	of	of	ADP
cblr-14250	806	5	the	the	DET
cblr-14250	806	6	bd	bd	PROPN
cblr-14250	806	7	.	.	PROPN
cblr-14250	806	8	of	of	ADP
cblr-14250	806	9	directors	director	NOUN
cblr-14250	806	10	,	,	PUNCT
cblr-14250	806	11	letters	letter	NOUN
cblr-14250	806	12	and	and	CCONJ
cblr-14250	806	13	memorandums	memorandum	NOUN
cblr-14250	806	14	of	of	ADP
cblr-14250	806	15	leo	leo	PROPN
cblr-14250	806	16	t.	t.	PROPN
cblr-14250	806	17	crowley	crowley	PROPN
cblr-14250	806	18	,	,	PUNCT
cblr-14250	806	19	box	box	PROPN
cblr-14250	806	20	2	2	NUM
cblr-14250	806	21	,	,	PUNCT
cblr-14250	806	22	folder	folder	NOUN
cblr-14250	806	23	examining	examine	VERB
cblr-14250	806	24	division	division	NOUN
cblr-14250	806	25	:	:	PUNCT
cblr-14250	806	26	hopkins	hopkins	PROPN
cblr-14250	806	27	,	,	PUNCT
cblr-14250	806	28	r.	r.	PROPN
cblr-14250	806	29	l.	l.	PROPN
cblr-14250	806	30	)	)	PUNCT
cblr-14250	806	31	.	.	PUNCT
cblr-14250	807	1	190	190	NUM
cblr-14250	807	2	columbia	columbia	PROPN
cblr-14250	807	3	business	business	NOUN
cblr-14250	807	4	law	law	PROPN
cblr-14250	807	5	review	review	NOUN
cblr-14250	807	6	[	[	X
cblr-14250	807	7	vol	vol	NOUN
cblr-14250	807	8	.	.	PUNCT
cblr-14250	807	9	2025	2025	NUM
cblr-14250	807	10	merge	merge	VERB
cblr-14250	807	11	a	a	DET
cblr-14250	807	12	failed	failed	ADJ
cblr-14250	807	13	bank	bank	NOUN
cblr-14250	807	14	with	with	ADP
cblr-14250	807	15	a	a	DET
cblr-14250	807	16	healthy	healthy	ADJ
cblr-14250	807	17	bank	bank	NOUN
cblr-14250	807	18	,	,	PUNCT
cblr-14250	807	19	while	while	SCONJ
cblr-14250	807	20	pulling	pull	VERB
cblr-14250	807	21	the	the	DET
cblr-14250	807	22	toxic	toxic	ADJ
cblr-14250	807	23	assets	asset	NOUN
cblr-14250	807	24	onto	onto	ADP
cblr-14250	807	25	itself.144	itself.144	NOUN
cblr-14250	807	26	these	these	DET
cblr-14250	807	27	internal	internal	ADJ
cblr-14250	807	28	changes	change	NOUN
cblr-14250	807	29	were	be	AUX
cblr-14250	807	30	paired	pair	VERB
cblr-14250	807	31	with	with	ADP
cblr-14250	807	32	significant	significant	ADJ
cblr-14250	807	33	external	external	ADJ
cblr-14250	807	34	changes	change	NOUN
cblr-14250	807	35	.	.	PUNCT
cblr-14250	808	1	most	most	ADV
cblr-14250	808	2	importantly	importantly	ADV
cblr-14250	808	3	,	,	PUNCT
cblr-14250	808	4	during	during	ADP
cblr-14250	808	5	the	the	DET
cblr-14250	808	6	new	new	ADJ
cblr-14250	808	7	deal	deal	NOUN
cblr-14250	808	8	,	,	PUNCT
cblr-14250	808	9	the	the	DET
cblr-14250	808	10	federal	federal	ADJ
cblr-14250	808	11	government	government	NOUN
cblr-14250	808	12	not	not	PART
cblr-14250	808	13	only	only	ADV
cblr-14250	808	14	assumed	assume	VERB
cblr-14250	808	15	responsibility	responsibility	NOUN
cblr-14250	808	16	for	for	ADP
cblr-14250	808	17	the	the	DET
cblr-14250	808	18	banking	banking	NOUN
cblr-14250	808	19	system	system	NOUN
cblr-14250	808	20	,	,	PUNCT
cblr-14250	808	21	but	but	CCONJ
cblr-14250	808	22	for	for	ADP
cblr-14250	808	23	the	the	DET
cblr-14250	808	24	economy	economy	NOUN
cblr-14250	808	25	as	as	ADP
cblr-14250	808	26	a	a	DET
cblr-14250	808	27	whole	whole	NOUN
cblr-14250	808	28	.	.	PUNCT
cblr-14250	809	1	although	although	SCONJ
cblr-14250	809	2	roosevelt	roosevelt	PROPN
cblr-14250	809	3	wanted	want	VERB
cblr-14250	809	4	more	more	ADV
cblr-14250	809	5	engaged	engaged	ADJ
cblr-14250	809	6	supervision	supervision	NOUN
cblr-14250	809	7	,	,	PUNCT
cblr-14250	809	8	strict	strict	ADJ
cblr-14250	809	9	oversight	oversight	NOUN
cblr-14250	809	10	was	be	AUX
cblr-14250	809	11	anathema	anathema	NOUN
cblr-14250	809	12	to	to	ADP
cblr-14250	809	13	his	his	PRON
cblr-14250	809	14	purposes	purpose	NOUN
cblr-14250	809	15	because	because	SCONJ
cblr-14250	809	16	it	it	PRON
cblr-14250	809	17	limited	limit	VERB
cblr-14250	809	18	bank	bank	NOUN
cblr-14250	809	19	lending	lending	NOUN
cblr-14250	809	20	.	.	PUNCT
cblr-14250	810	1	in	in	ADP
cblr-14250	810	2	a	a	DET
cblr-14250	810	3	broader	broad	ADJ
cblr-14250	810	4	sense	sense	NOUN
cblr-14250	810	5	,	,	PUNCT
cblr-14250	810	6	the	the	DET
cblr-14250	810	7	ideology	ideology	NOUN
cblr-14250	810	8	of	of	ADP
cblr-14250	810	9	commercial	commercial	ADJ
cblr-14250	810	10	banking	banking	NOUN
cblr-14250	810	11	,	,	PUNCT
cblr-14250	810	12	rooted	root	VERB
cblr-14250	810	13	in	in	ADP
cblr-14250	810	14	the	the	DET
cblr-14250	810	15	currency	currency	NOUN
cblr-14250	810	16	school	school	NOUN
cblr-14250	810	17	and	and	CCONJ
cblr-14250	810	18	the	the	DET
cblr-14250	810	19	real	real	ADJ
cblr-14250	810	20	bills	bill	NOUN
cblr-14250	810	21	doctrine	doctrine	NOUN
cblr-14250	810	22	,	,	PUNCT
cblr-14250	810	23	was	be	AUX
cblr-14250	810	24	out	out	ADP
cblr-14250	810	25	of	of	ADP
cblr-14250	810	26	step	step	NOUN
cblr-14250	810	27	with	with	ADP
cblr-14250	810	28	the	the	DET
cblr-14250	810	29	industrial	industrial	ADJ
cblr-14250	810	30	economy	economy	NOUN
cblr-14250	810	31	.	.	PUNCT
cblr-14250	811	1	firms	firm	NOUN
cblr-14250	811	2	needed	need	VERB
cblr-14250	811	3	long	long	ADJ
cblr-14250	811	4	term	term	NOUN
cblr-14250	811	5	capital	capital	NOUN
cblr-14250	811	6	,	,	PUNCT
cblr-14250	811	7	not	not	PART
cblr-14250	811	8	short	short	ADJ
cblr-14250	811	9	-	-	PUNCT
cblr-14250	811	10	term	term	NOUN
cblr-14250	811	11	loans	loan	NOUN
cblr-14250	811	12	.	.	PUNCT
cblr-14250	812	1	to	to	PART
cblr-14250	812	2	revive	revive	VERB
cblr-14250	812	3	economic	economic	ADJ
cblr-14250	812	4	growth	growth	NOUN
cblr-14250	812	5	,	,	PUNCT
cblr-14250	812	6	the	the	DET
cblr-14250	812	7	roosevelt	roosevelt	PROPN
cblr-14250	812	8	administration	administration	PROPN
cblr-14250	812	9	created	create	VERB
cblr-14250	812	10	new	new	ADJ
cblr-14250	812	11	categories	category	NOUN
cblr-14250	812	12	of	of	ADP
cblr-14250	812	13	safe	safe	ADJ
cblr-14250	812	14	assets	asset	NOUN
cblr-14250	812	15	for	for	SCONJ
cblr-14250	812	16	bankers	banker	NOUN
cblr-14250	812	17	to	to	PART
cblr-14250	812	18	invest	invest	VERB
cblr-14250	812	19	in	in	ADP
cblr-14250	812	20	,	,	PUNCT
cblr-14250	812	21	including	include	VERB
cblr-14250	812	22	federal	federal	PROPN
cblr-14250	812	23	housing	housing	PROPN
cblr-14250	812	24	administration	administration	NOUN
cblr-14250	812	25	insured	insure	VERB
cblr-14250	812	26	mortgages	mortgage	NOUN
cblr-14250	812	27	.	.	PUNCT
cblr-14250	813	1	some	some	DET
cblr-14250	813	2	officials	official	NOUN
cblr-14250	813	3	,	,	PUNCT
cblr-14250	813	4	like	like	ADP
cblr-14250	813	5	marriner	marriner	PROPN
cblr-14250	813	6	eccles	eccles	PROPN
cblr-14250	813	7	,	,	PUNCT
cblr-14250	813	8	wanted	want	VERB
cblr-14250	813	9	to	to	PART
cblr-14250	813	10	go	go	VERB
cblr-14250	813	11	further	far	ADV
cblr-14250	813	12	,	,	PUNCT
cblr-14250	813	13	reconceptualizing	reconceptualize	VERB
cblr-14250	813	14	supervision	supervision	NOUN
cblr-14250	813	15	as	as	ADP
cblr-14250	813	16	a	a	DET
cblr-14250	813	17	tool	tool	NOUN
cblr-14250	813	18	for	for	ADP
cblr-14250	813	19	countercyclical	countercyclical	ADJ
cblr-14250	813	20	policy	policy	NOUN
cblr-14250	813	21	.	.	PUNCT
cblr-14250	814	1	yet	yet	CCONJ
cblr-14250	814	2	such	such	DET
cblr-14250	814	3	an	an	DET
cblr-14250	814	4	aggressive	aggressive	ADJ
cblr-14250	814	5	use	use	NOUN
cblr-14250	814	6	of	of	ADP
cblr-14250	814	7	public	public	ADJ
cblr-14250	814	8	power	power	NOUN
cblr-14250	814	9	to	to	PART
cblr-14250	814	10	shape	shape	VERB
cblr-14250	814	11	bank	bank	NOUN
cblr-14250	814	12	balance	balance	NOUN
cblr-14250	814	13	sheets	sheet	NOUN
cblr-14250	814	14	pushed	push	VERB
cblr-14250	814	15	beyond	beyond	ADP
cblr-14250	814	16	what	what	PRON
cblr-14250	814	17	most	most	ADJ
cblr-14250	814	18	officials	official	NOUN
cblr-14250	814	19	were	be	AUX
cblr-14250	814	20	willing	willing	ADJ
cblr-14250	814	21	to	to	PART
cblr-14250	814	22	do	do	VERB
cblr-14250	814	23	.	.	PUNCT
cblr-14250	815	1	all	all	PRON
cblr-14250	815	2	recognized	recognize	VERB
cblr-14250	815	3	that	that	SCONJ
cblr-14250	815	4	the	the	DET
cblr-14250	815	5	balance	balance	NOUN
cblr-14250	815	6	between	between	ADP
cblr-14250	815	7	public	public	ADJ
cblr-14250	815	8	and	and	CCONJ
cblr-14250	815	9	private	private	ADJ
cblr-14250	815	10	had	have	AUX
cblr-14250	815	11	shifted	shift	VERB
cblr-14250	815	12	significantly	significantly	ADV
cblr-14250	815	13	during	during	ADP
cblr-14250	815	14	the	the	DET
cblr-14250	815	15	new	new	ADJ
cblr-14250	815	16	deal	deal	NOUN
cblr-14250	815	17	,	,	PUNCT
cblr-14250	815	18	but	but	CCONJ
cblr-14250	815	19	the	the	DET
cblr-14250	815	20	ideology	ideology	NOUN
cblr-14250	815	21	of	of	ADP
cblr-14250	815	22	free	free	ADJ
cblr-14250	815	23	enterprise	enterprise	NOUN
cblr-14250	815	24	and	and	CCONJ
cblr-14250	815	25	individual	individual	ADJ
cblr-14250	815	26	risk	risk	NOUN
cblr-14250	815	27	-	-	PUNCT
cblr-14250	815	28	taking	taking	NOUN
cblr-14250	815	29	,	,	PUNCT
cblr-14250	815	30	while	while	SCONJ
cblr-14250	815	31	restrained	restrain	VERB
cblr-14250	815	32	,	,	PUNCT
cblr-14250	815	33	remained	remain	VERB
cblr-14250	815	34	deeply	deeply	ADV
cblr-14250	815	35	entrenched	entrench	VERB
cblr-14250	815	36	.	.	PUNCT
cblr-14250	816	1	*	*	PUNCT
cblr-14250	817	1	*	*	PUNCT
cblr-14250	817	2	*	*	PUNCT
cblr-14250	817	3	the	the	DET
cblr-14250	817	4	first	first	ADJ
cblr-14250	817	5	seventy	seventy	NUM
cblr-14250	817	6	years	year	NOUN
cblr-14250	817	7	of	of	ADP
cblr-14250	817	8	federal	federal	PROPN
cblr-14250	817	9	bank	bank	PROPN
cblr-14250	817	10	supervision	supervision	NOUN
cblr-14250	817	11	were	be	AUX
cblr-14250	817	12	tumultuous	tumultuous	ADJ
cblr-14250	817	13	and	and	CCONJ
cblr-14250	817	14	uncertain	uncertain	ADJ
cblr-14250	817	15	,	,	PUNCT
cblr-14250	817	16	with	with	ADP
cblr-14250	817	17	the	the	DET
cblr-14250	817	18	supervisory	supervisory	ADJ
cblr-14250	817	19	framework	framework	NOUN
cblr-14250	817	20	developing	develop	VERB
cblr-14250	817	21	alongside	alongside	ADP
cblr-14250	817	22	the	the	DET
cblr-14250	817	23	scandals	scandal	NOUN
cblr-14250	817	24	and	and	CCONJ
cblr-14250	817	25	crises	crisis	NOUN
cblr-14250	817	26	of	of	ADP
cblr-14250	817	27	the	the	DET
cblr-14250	817	28	gilded	gild	VERB
cblr-14250	817	29	age	age	NOUN
cblr-14250	817	30	,	,	PUNCT
cblr-14250	817	31	the	the	DET
cblr-14250	817	32	advent	advent	NOUN
cblr-14250	817	33	of	of	ADP
cblr-14250	817	34	the	the	DET
cblr-14250	817	35	federal	federal	PROPN
cblr-14250	817	36	reserve	reserve	PROPN
cblr-14250	817	37	system	system	NOUN
cblr-14250	817	38	,	,	PUNCT
cblr-14250	817	39	and	and	CCONJ
cblr-14250	817	40	the	the	DET
cblr-14250	817	41	institutionalization	institutionalization	NOUN
cblr-14250	817	42	of	of	ADP
cblr-14250	817	43	federal	federal	ADJ
cblr-14250	817	44	deposit	deposit	NOUN
cblr-14250	817	45	insurance	insurance	NOUN
cblr-14250	817	46	.	.	PUNCT
cblr-14250	818	1	through	through	ADP
cblr-14250	818	2	this	this	DET
cblr-14250	818	3	process	process	NOUN
cblr-14250	818	4	,	,	PUNCT
cblr-14250	818	5	the	the	DET
cblr-14250	818	6	major	major	ADJ
cblr-14250	818	7	questions	question	NOUN
cblr-14250	818	8	of	of	ADP
cblr-14250	818	9	what	what	DET
cblr-14250	818	10	supervision	supervision	NOUN
cblr-14250	818	11	should	should	AUX
cblr-14250	818	12	be	be	AUX
cblr-14250	818	13	had	have	AUX
cblr-14250	818	14	all	all	PRON
cblr-14250	818	15	been	be	AUX
cblr-14250	818	16	posed	pose	VERB
cblr-14250	818	17	and	and	CCONJ
cblr-14250	818	18	some	some	PRON
cblr-14250	818	19	had	have	AUX
cblr-14250	818	20	been	be	AUX
cblr-14250	818	21	answered	answer	VERB
cblr-14250	818	22	.	.	PUNCT
cblr-14250	819	1	supervision	supervision	NOUN
cblr-14250	819	2	was	be	AUX
cblr-14250	819	3	no	no	ADV
cblr-14250	819	4	longer	long	ADV
cblr-14250	819	5	strictly	strictly	ADV
cblr-14250	819	6	a	a	DET
cblr-14250	819	7	mechanism	mechanism	NOUN
cblr-14250	819	8	for	for	ADP
cblr-14250	819	9	enforcing	enforce	VERB
cblr-14250	819	10	the	the	DET
cblr-14250	819	11	nation	nation	NOUN
cblr-14250	819	12	’s	’s	PART
cblr-14250	819	13	monetary	monetary	ADJ
cblr-14250	819	14	system	system	NOUN
cblr-14250	819	15	—	—	PUNCT
cblr-14250	819	16	those	those	DET
cblr-14250	819	17	days	day	NOUN
cblr-14250	819	18	passed	pass	VERB
cblr-14250	819	19	almost	almost	ADV
cblr-14250	819	20	immediately	immediately	ADV
cblr-14250	819	21	144	144	NUM
cblr-14250	819	22	michael	michael	PROPN
cblr-14250	819	23	b.	b.	PROPN
cblr-14250	819	24	burgee	burgee	PROPN
cblr-14250	819	25	,	,	PUNCT
cblr-14250	819	26	purchase	purchase	NOUN
cblr-14250	819	27	and	and	CCONJ
cblr-14250	819	28	assumption	assumption	NOUN
cblr-14250	819	29	transactions	transaction	NOUN
cblr-14250	819	30	under	under	ADP
cblr-14250	819	31	the	the	DET
cblr-14250	819	32	federal	federal	ADJ
cblr-14250	819	33	deposit	deposit	NOUN
cblr-14250	819	34	insurance	insurance	PROPN
cblr-14250	819	35	act	act	PROPN
cblr-14250	819	36	,	,	PUNCT
cblr-14250	819	37	14	14	NUM
cblr-14250	819	38	forum	forum	NOUN
cblr-14250	819	39	1146	1146	NUM
cblr-14250	819	40	(	(	PUNCT
cblr-14250	819	41	1979	1979	NUM
cblr-14250	819	42	)	)	PUNCT
cblr-14250	819	43	.	.	PUNCT
cblr-14250	820	1	no	no	INTJ
cblr-14250	820	2	.	.	NOUN
cblr-14250	820	3	1	1	NUM
cblr-14250	820	4	]	]	PUNCT
cblr-14250	820	5	risk	risk	NOUN
cblr-14250	820	6	,	,	PUNCT
cblr-14250	820	7	discretion	discretion	NOUN
cblr-14250	820	8	,	,	PUNCT
cblr-14250	820	9	and	and	CCONJ
cblr-14250	820	10	bank	bank	NOUN
cblr-14250	820	11	supervision	supervision	NOUN
cblr-14250	820	12	191	191	NUM
cblr-14250	820	13	after	after	ADP
cblr-14250	820	14	the	the	DET
cblr-14250	820	15	civil	civil	ADJ
cblr-14250	820	16	war.145	war.145	NOUN
cblr-14250	820	17	it	it	PRON
cblr-14250	820	18	became	become	VERB
cblr-14250	820	19	instead	instead	ADV
cblr-14250	820	20	about	about	ADP
cblr-14250	820	21	managing	manage	VERB
cblr-14250	820	22	the	the	DET
cblr-14250	820	23	boundary	boundary	NOUN
cblr-14250	820	24	between	between	ADP
cblr-14250	820	25	the	the	DET
cblr-14250	820	26	private	private	ADJ
cblr-14250	820	27	and	and	CCONJ
cblr-14250	820	28	public	public	ADJ
cblr-14250	820	29	aspects	aspect	NOUN
cblr-14250	820	30	of	of	ADP
cblr-14250	820	31	the	the	DET
cblr-14250	820	32	american	american	ADJ
cblr-14250	820	33	financial	financial	ADJ
cblr-14250	820	34	system	system	NOUN
cblr-14250	820	35	.	.	PUNCT
cblr-14250	821	1	the	the	DET
cblr-14250	821	2	scandals	scandal	NOUN
cblr-14250	821	3	and	and	CCONJ
cblr-14250	821	4	crises	crisis	NOUN
cblr-14250	821	5	of	of	ADP
cblr-14250	821	6	the	the	DET
cblr-14250	821	7	gilded	gild	VERB
cblr-14250	821	8	age	age	NOUN
cblr-14250	821	9	pushed	push	VERB
cblr-14250	821	10	the	the	DET
cblr-14250	821	11	comptroller	comptroller	NOUN
cblr-14250	821	12	into	into	ADP
cblr-14250	821	13	the	the	DET
cblr-14250	821	14	position	position	NOUN
cblr-14250	821	15	of	of	ADP
cblr-14250	821	16	guaranteeing	guarantee	VERB
cblr-14250	821	17	sound	sound	ADJ
cblr-14250	821	18	banking	banking	NOUN
cblr-14250	821	19	,	,	PUNCT
cblr-14250	821	20	a	a	DET
cblr-14250	821	21	position	position	NOUN
cblr-14250	821	22	it	it	PRON
cblr-14250	821	23	sometimes	sometimes	ADV
cblr-14250	821	24	sought	seek	VERB
cblr-14250	821	25	and	and	CCONJ
cblr-14250	821	26	sometimes	sometimes	ADV
cblr-14250	821	27	resented	resent	VERB
cblr-14250	821	28	.	.	PUNCT
cblr-14250	822	1	but	but	CCONJ
cblr-14250	822	2	the	the	DET
cblr-14250	822	3	alternatives	alternative	NOUN
cblr-14250	822	4	—	—	PUNCT
cblr-14250	822	5	that	that	SCONJ
cblr-14250	822	6	the	the	DET
cblr-14250	822	7	banks	bank	NOUN
cblr-14250	822	8	would	would	AUX
cblr-14250	822	9	manage	manage	VERB
cblr-14250	822	10	their	their	PRON
cblr-14250	822	11	own	own	ADJ
cblr-14250	822	12	risk	risk	NOUN
cblr-14250	822	13	without	without	ADP
cblr-14250	822	14	placing	place	VERB
cblr-14250	822	15	outsized	outsized	ADJ
cblr-14250	822	16	burdens	burden	NOUN
cblr-14250	822	17	on	on	ADP
cblr-14250	822	18	the	the	DET
cblr-14250	822	19	public	public	ADJ
cblr-14250	822	20	system	system	NOUN
cblr-14250	822	21	,	,	PUNCT
cblr-14250	822	22	or	or	CCONJ
cblr-14250	822	23	that	that	SCONJ
cblr-14250	822	24	coalitions	coalition	NOUN
cblr-14250	822	25	of	of	ADP
cblr-14250	822	26	banks	bank	NOUN
cblr-14250	822	27	through	through	ADP
cblr-14250	822	28	clearinghouses	clearinghouse	NOUN
cblr-14250	822	29	would	would	AUX
cblr-14250	822	30	do	do	VERB
cblr-14250	822	31	the	the	DET
cblr-14250	822	32	same	same	ADJ
cblr-14250	822	33	—	—	PUNCT
cblr-14250	822	34	proved	prove	VERB
cblr-14250	822	35	incapable	incapable	ADJ
cblr-14250	822	36	of	of	ADP
cblr-14250	822	37	providing	provide	VERB
cblr-14250	822	38	the	the	DET
cblr-14250	822	39	stability	stability	NOUN
cblr-14250	822	40	that	that	SCONJ
cblr-14250	822	41	the	the	DET
cblr-14250	822	42	economic	economic	ADJ
cblr-14250	822	43	and	and	CCONJ
cblr-14250	822	44	especially	especially	ADV
cblr-14250	822	45	political	political	ADJ
cblr-14250	822	46	systems	system	NOUN
cblr-14250	822	47	required	require	VERB
cblr-14250	822	48	.	.	PUNCT
cblr-14250	823	1	the	the	DET
cblr-14250	823	2	creation	creation	NOUN
cblr-14250	823	3	of	of	ADP
cblr-14250	823	4	the	the	DET
cblr-14250	823	5	federal	federal	PROPN
cblr-14250	823	6	reserve	reserve	NOUN
cblr-14250	823	7	system	system	NOUN
cblr-14250	823	8	was	be	AUX
cblr-14250	823	9	meant	mean	VERB
cblr-14250	823	10	to	to	PART
cblr-14250	823	11	answer	answer	VERB
cblr-14250	823	12	this	this	DET
cblr-14250	823	13	problem	problem	NOUN
cblr-14250	823	14	by	by	ADP
cblr-14250	823	15	providing	provide	VERB
cblr-14250	823	16	quasi	quasi	ADJ
cblr-14250	823	17	-	-	ADJ
cblr-14250	823	18	governmental	governmental	ADJ
cblr-14250	823	19	support	support	NOUN
cblr-14250	823	20	to	to	ADP
cblr-14250	823	21	the	the	DET
cblr-14250	823	22	financial	financial	ADJ
cblr-14250	823	23	system	system	NOUN
cblr-14250	823	24	that	that	PRON
cblr-14250	823	25	the	the	DET
cblr-14250	823	26	national	national	ADJ
cblr-14250	823	27	banking	banking	NOUN
cblr-14250	823	28	system	system	NOUN
cblr-14250	823	29	could	could	AUX
cblr-14250	823	30	not	not	PART
cblr-14250	823	31	quite	quite	ADV
cblr-14250	823	32	do	do	VERB
cblr-14250	823	33	.	.	PUNCT
cblr-14250	824	1	the	the	DET
cblr-14250	824	2	mechanism	mechanism	NOUN
cblr-14250	824	3	was	be	AUX
cblr-14250	824	4	,	,	PUNCT
cblr-14250	824	5	again	again	ADV
cblr-14250	824	6	,	,	PUNCT
cblr-14250	824	7	primarily	primarily	ADV
cblr-14250	824	8	monetary	monetary	ADJ
cblr-14250	824	9	—	—	PUNCT
cblr-14250	824	10	the	the	DET
cblr-14250	824	11	furnishing	furnishing	NOUN
cblr-14250	824	12	of	of	ADP
cblr-14250	824	13	an	an	DET
cblr-14250	824	14	elastic	elastic	ADJ
cblr-14250	824	15	currency	currency	NOUN
cblr-14250	824	16	using	use	VERB
cblr-14250	824	17	banking	banking	NOUN
cblr-14250	824	18	methods	method	NOUN
cblr-14250	824	19	to	to	PART
cblr-14250	824	20	accomplish	accomplish	VERB
cblr-14250	824	21	that	that	DET
cblr-14250	824	22	task	task	NOUN
cblr-14250	824	23	.	.	PUNCT
cblr-14250	825	1	but	but	CCONJ
cblr-14250	825	2	it	it	PRON
cblr-14250	825	3	was	be	AUX
cblr-14250	825	4	also	also	ADV
cblr-14250	825	5	in	in	ADP
cblr-14250	825	6	large	large	ADJ
cblr-14250	825	7	part	part	NOUN
cblr-14250	825	8	supervisory	supervisory	NOUN
cblr-14250	825	9	.	.	PUNCT
cblr-14250	826	1	the	the	DET
cblr-14250	826	2	federal	federal	PROPN
cblr-14250	826	3	reserve	reserve	PROPN
cblr-14250	826	4	banks	bank	NOUN
cblr-14250	826	5	,	,	PUNCT
cblr-14250	826	6	supervised	supervise	VERB
cblr-14250	826	7	by	by	ADP
cblr-14250	826	8	the	the	DET
cblr-14250	826	9	federal	federal	PROPN
cblr-14250	826	10	reserve	reserve	PROPN
cblr-14250	826	11	board	board	PROPN
cblr-14250	826	12	,	,	PUNCT
cblr-14250	826	13	would	would	AUX
cblr-14250	826	14	conduct	conduct	VERB
cblr-14250	826	15	their	their	PRON
cblr-14250	826	16	banking	banking	NOUN
cblr-14250	826	17	affairs	affair	NOUN
cblr-14250	826	18	consistent	consistent	ADJ
cblr-14250	826	19	with	with	ADP
cblr-14250	826	20	these	these	DET
cblr-14250	826	21	statutory	statutory	ADJ
cblr-14250	826	22	mandates	mandate	NOUN
cblr-14250	826	23	,	,	PUNCT
cblr-14250	826	24	and	and	CCONJ
cblr-14250	826	25	the	the	DET
cblr-14250	826	26	reserve	reserve	NOUN
cblr-14250	826	27	banks	bank	NOUN
cblr-14250	826	28	in	in	ADP
cblr-14250	826	29	turn	turn	NOUN
cblr-14250	826	30	would	would	AUX
cblr-14250	826	31	use	use	VERB
cblr-14250	826	32	their	their	PRON
cblr-14250	826	33	banking	banking	NOUN
cblr-14250	826	34	business	business	NOUN
cblr-14250	826	35	to	to	PART
cblr-14250	826	36	supervise	supervise	VERB
cblr-14250	826	37	the	the	DET
cblr-14250	826	38	member	member	NOUN
cblr-14250	826	39	banks	bank	NOUN
cblr-14250	826	40	that	that	PRON
cblr-14250	826	41	participated	participate	VERB
cblr-14250	826	42	in	in	ADP
cblr-14250	826	43	that	that	DET
cblr-14250	826	44	system	system	NOUN
cblr-14250	826	45	.	.	PUNCT
cblr-14250	827	1	this	this	PRON
cblr-14250	827	2	,	,	PUNCT
cblr-14250	827	3	though	though	ADV
cblr-14250	827	4	,	,	PUNCT
cblr-14250	827	5	was	be	AUX
cblr-14250	827	6	a	a	DET
cblr-14250	827	7	particular	particular	ADJ
cblr-14250	827	8	kind	kind	NOUN
cblr-14250	827	9	of	of	ADP
cblr-14250	827	10	supervision	supervision	NOUN
cblr-14250	827	11	,	,	PUNCT
cblr-14250	827	12	aimed	aim	VERB
cblr-14250	827	13	at	at	ADP
cblr-14250	827	14	shielding	shield	VERB
cblr-14250	827	15	the	the	DET
cblr-14250	827	16	reserve	reserve	NOUN
cblr-14250	827	17	banks	bank	NOUN
cblr-14250	827	18	from	from	ADP
cblr-14250	827	19	excessive	excessive	ADJ
cblr-14250	827	20	credit	credit	NOUN
cblr-14250	827	21	risk	risk	NOUN
cblr-14250	827	22	,	,	PUNCT
cblr-14250	827	23	on	on	ADP
cblr-14250	827	24	the	the	DET
cblr-14250	827	25	one	one	NUM
cblr-14250	827	26	hand	hand	NOUN
cblr-14250	827	27	,	,	PUNCT
cblr-14250	827	28	and	and	CCONJ
cblr-14250	827	29	at	at	ADP
cblr-14250	827	30	convincing	convince	VERB
cblr-14250	827	31	member	member	NOUN
cblr-14250	827	32	banks	bank	NOUN
cblr-14250	827	33	to	to	PART
cblr-14250	827	34	improve	improve	VERB
cblr-14250	827	35	their	their	PRON
cblr-14250	827	36	risk	risk	NOUN
cblr-14250	827	37	management	management	NOUN
cblr-14250	827	38	strategies	strategy	NOUN
cblr-14250	827	39	,	,	PUNCT
cblr-14250	827	40	on	on	ADP
cblr-14250	827	41	the	the	DET
cblr-14250	827	42	other	other	ADJ
cblr-14250	827	43	.	.	PUNCT
cblr-14250	828	1	the	the	DET
cblr-14250	828	2	federal	federal	PROPN
cblr-14250	828	3	reserve	reserve	NOUN
cblr-14250	828	4	system	system	NOUN
cblr-14250	828	5	was	be	AUX
cblr-14250	828	6	heralded	herald	VERB
cblr-14250	828	7	in	in	ADP
cblr-14250	828	8	its	its	PRON
cblr-14250	828	9	first	first	ADJ
cblr-14250	828	10	fifteen	fifteen	NUM
cblr-14250	828	11	years	year	NOUN
cblr-14250	828	12	for	for	ADP
cblr-14250	828	13	supervisory	supervisory	ADJ
cblr-14250	828	14	successes	success	NOUN
cblr-14250	828	15	that	that	SCONJ
cblr-14250	828	16	it	it	PRON
cblr-14250	828	17	largely	largely	ADV
cblr-14250	828	18	did	do	VERB
cblr-14250	828	19	not	not	PART
cblr-14250	828	20	145	145	NUM
cblr-14250	828	21	this	this	PRON
cblr-14250	828	22	is	be	AUX
cblr-14250	828	23	not	not	PART
cblr-14250	828	24	at	at	ADV
cblr-14250	828	25	all	all	ADV
cblr-14250	828	26	to	to	PART
cblr-14250	828	27	say	say	VERB
cblr-14250	828	28	that	that	SCONJ
cblr-14250	828	29	supervisors	supervisor	NOUN
cblr-14250	828	30	were	be	AUX
cblr-14250	828	31	not	not	PART
cblr-14250	828	32	always	always	ADV
cblr-14250	828	33	deeply	deeply	ADV
cblr-14250	828	34	concerned	concerned	ADJ
cblr-14250	828	35	with	with	ADP
cblr-14250	828	36	money	money	NOUN
cblr-14250	828	37	creation	creation	NOUN
cblr-14250	828	38	and	and	CCONJ
cblr-14250	828	39	the	the	DET
cblr-14250	828	40	functioning	functioning	NOUN
cblr-14250	828	41	of	of	ADP
cblr-14250	828	42	the	the	DET
cblr-14250	828	43	payments	payment	NOUN
cblr-14250	828	44	system	system	NOUN
cblr-14250	828	45	.	.	PUNCT
cblr-14250	829	1	the	the	DET
cblr-14250	829	2	real	real	ADJ
cblr-14250	829	3	bills	bill	NOUN
cblr-14250	829	4	doctrine	doctrine	NOUN
cblr-14250	829	5	,	,	PUNCT
cblr-14250	829	6	which	which	PRON
cblr-14250	829	7	undergirded	undergird	VERB
cblr-14250	829	8	supervisory	supervisory	ADJ
cblr-14250	829	9	evaluation	evaluation	NOUN
cblr-14250	829	10	of	of	ADP
cblr-14250	829	11	bank	bank	NOUN
cblr-14250	829	12	assets	asset	NOUN
cblr-14250	829	13	,	,	PUNCT
cblr-14250	829	14	provided	provide	VERB
cblr-14250	829	15	an	an	DET
cblr-14250	829	16	intellectual	intellectual	ADJ
cblr-14250	829	17	framework	framework	NOUN
cblr-14250	829	18	for	for	ADP
cblr-14250	829	19	squaring	square	VERB
cblr-14250	829	20	the	the	DET
cblr-14250	829	21	currency	currency	NOUN
cblr-14250	829	22	view	view	NOUN
cblr-14250	829	23	with	with	ADP
cblr-14250	829	24	the	the	DET
cblr-14250	829	25	fact	fact	NOUN
cblr-14250	829	26	that	that	SCONJ
cblr-14250	829	27	banks	bank	NOUN
cblr-14250	829	28	could	could	AUX
cblr-14250	829	29	create	create	VERB
cblr-14250	829	30	deposit	deposit	NOUN
cblr-14250	829	31	liabilities	liability	NOUN
cblr-14250	829	32	(	(	PUNCT
cblr-14250	829	33	i.e.	i.e.	X
cblr-14250	829	34	,	,	PUNCT
cblr-14250	829	35	those	those	DET
cblr-14250	829	36	liabilities	liability	NOUN
cblr-14250	829	37	should	should	AUX
cblr-14250	829	38	only	only	ADV
cblr-14250	829	39	pair	pair	VERB
cblr-14250	829	40	against	against	ADP
cblr-14250	829	41	short	short	ADJ
cblr-14250	829	42	-	-	PUNCT
cblr-14250	829	43	term	term	NOUN
cblr-14250	829	44	,	,	PUNCT
cblr-14250	829	45	self	self	NOUN
cblr-14250	829	46	-	-	PUNCT
cblr-14250	829	47	liquidating	liquidate	VERB
cblr-14250	829	48	loans	loan	NOUN
cblr-14250	829	49	,	,	PUNCT
cblr-14250	829	50	ensuring	ensure	VERB
cblr-14250	829	51	the	the	DET
cblr-14250	829	52	deposits	deposit	NOUN
cblr-14250	829	53	thus	thus	ADV
cblr-14250	829	54	created	create	VERB
cblr-14250	829	55	would	would	AUX
cblr-14250	829	56	disappear	disappear	VERB
cblr-14250	829	57	in	in	ADP
cblr-14250	829	58	due	due	ADJ
cblr-14250	829	59	course	course	NOUN
cblr-14250	829	60	)	)	PUNCT
cblr-14250	829	61	.	.	PUNCT
cblr-14250	830	1	see	see	VERB
cblr-14250	830	2	judge	judge	NOUN
cblr-14250	830	3	glock	glock	NOUN
cblr-14250	830	4	,	,	PUNCT
cblr-14250	830	5	the	the	DET
cblr-14250	830	6	“	"	PUNCT
cblr-14250	830	7	riefler	riefler	NOUN
cblr-14250	830	8	-	-	PUNCT
cblr-14250	830	9	keynes	keyne	NOUN
cblr-14250	830	10	”	"	PUNCT
cblr-14250	830	11	doctrine	doctrine	NOUN
cblr-14250	830	12	and	and	CCONJ
cblr-14250	830	13	federal	federal	ADJ
cblr-14250	830	14	reserve	reserve	NOUN
cblr-14250	830	15	policy	policy	NOUN
cblr-14250	830	16	in	in	ADP
cblr-14250	830	17	the	the	DET
cblr-14250	830	18	great	great	ADJ
cblr-14250	830	19	depression	depression	NOUN
cblr-14250	830	20	,	,	PUNCT
cblr-14250	830	21	51	51	NUM
cblr-14250	830	22	h.	h.	PROPN
cblr-14250	830	23	pol	pol	PROPN
cblr-14250	830	24	.	.	PUNCT
cblr-14250	831	1	econ	econ	PROPN
cblr-14250	831	2	.	.	PUNCT
cblr-14250	832	1	297	297	NUM
cblr-14250	832	2	(	(	PUNCT
cblr-14250	832	3	2019	2019	NUM
cblr-14250	832	4	)	)	PUNCT
cblr-14250	832	5	.	.	PUNCT
cblr-14250	833	1	likewise	likewise	ADV
cblr-14250	833	2	,	,	PUNCT
cblr-14250	833	3	supervisory	supervisory	ADJ
cblr-14250	833	4	forbearance	forbearance	NOUN
cblr-14250	833	5	provided	provide	VERB
cblr-14250	833	6	a	a	DET
cblr-14250	833	7	tool	tool	NOUN
cblr-14250	833	8	for	for	ADP
cblr-14250	833	9	maintaining	maintain	VERB
cblr-14250	833	10	payments	payment	NOUN
cblr-14250	833	11	availability	availability	NOUN
cblr-14250	833	12	in	in	ADP
cblr-14250	833	13	times	time	NOUN
cblr-14250	833	14	of	of	ADP
cblr-14250	833	15	acute	acute	NOUN
cblr-14250	833	16	—	—	PUNCT
cblr-14250	833	17	but	but	CCONJ
cblr-14250	833	18	likely	likely	ADV
cblr-14250	833	19	temporary	temporary	ADJ
cblr-14250	833	20	—	—	PUNCT
cblr-14250	833	21	crisis	crisis	NOUN
cblr-14250	833	22	.	.	PUNCT
cblr-14250	834	1	192	192	NUM
cblr-14250	834	2	columbia	columbia	PROPN
cblr-14250	834	3	business	business	NOUN
cblr-14250	834	4	law	law	PROPN
cblr-14250	834	5	review	review	NOUN
cblr-14250	834	6	[	[	X
cblr-14250	834	7	vol	vol	NOUN
cblr-14250	834	8	.	.	PUNCT
cblr-14250	834	9	2025	2025	NUM
cblr-14250	834	10	deserve	deserve	VERB
cblr-14250	834	11	.	.	PUNCT
cblr-14250	835	1	the	the	DET
cblr-14250	835	2	great	great	ADJ
cblr-14250	835	3	war	war	NOUN
cblr-14250	835	4	had	have	AUX
cblr-14250	835	5	fundamentally	fundamentally	ADV
cblr-14250	835	6	altered	alter	VERB
cblr-14250	835	7	the	the	DET
cblr-14250	835	8	allocation	allocation	NOUN
cblr-14250	835	9	of	of	ADP
cblr-14250	835	10	financial	financial	ADJ
cblr-14250	835	11	power	power	NOUN
cblr-14250	835	12	in	in	ADP
cblr-14250	835	13	the	the	DET
cblr-14250	835	14	world	world	NOUN
cblr-14250	835	15	such	such	ADJ
cblr-14250	835	16	that	that	SCONJ
cblr-14250	835	17	the	the	DET
cblr-14250	835	18	united	united	PROPN
cblr-14250	835	19	states	states	PROPN
cblr-14250	835	20	emerged	emerge	VERB
cblr-14250	835	21	as	as	ADP
cblr-14250	835	22	the	the	DET
cblr-14250	835	23	financial	financial	ADJ
cblr-14250	835	24	center	center	NOUN
cblr-14250	835	25	by	by	ADP
cblr-14250	835	26	default	default	NOUN
cblr-14250	835	27	.	.	PUNCT
cblr-14250	836	1	the	the	DET
cblr-14250	836	2	banking	banking	NOUN
cblr-14250	836	3	crises	crisis	NOUN
cblr-14250	836	4	of	of	ADP
cblr-14250	836	5	the	the	DET
cblr-14250	836	6	early	early	ADJ
cblr-14250	836	7	1930s	1930s	NUM
cblr-14250	836	8	,	,	PUNCT
cblr-14250	836	9	culminating	culminate	VERB
cblr-14250	836	10	in	in	ADP
cblr-14250	836	11	the	the	DET
cblr-14250	836	12	bank	bank	NOUN
cblr-14250	836	13	holiday	holiday	NOUN
cblr-14250	836	14	of	of	ADP
cblr-14250	836	15	1933	1933	NUM
cblr-14250	836	16	,	,	PUNCT
cblr-14250	836	17	exposed	expose	VERB
cblr-14250	836	18	profound	profound	ADJ
cblr-14250	836	19	fissures	fissure	NOUN
cblr-14250	836	20	in	in	ADP
cblr-14250	836	21	the	the	DET
cblr-14250	836	22	system	system	NOUN
cblr-14250	836	23	.	.	PUNCT
cblr-14250	837	1	the	the	DET
cblr-14250	837	2	recognition	recognition	NOUN
cblr-14250	837	3	that	that	SCONJ
cblr-14250	837	4	bank	bank	NOUN
cblr-14250	837	5	supervisors	supervisor	NOUN
cblr-14250	837	6	held	hold	VERB
cblr-14250	837	7	responsibility	responsibility	NOUN
cblr-14250	837	8	for	for	ADP
cblr-14250	837	9	the	the	DET
cblr-14250	837	10	residual	residual	ADJ
cblr-14250	837	11	risk	risk	NOUN
cblr-14250	837	12	of	of	ADP
cblr-14250	837	13	the	the	DET
cblr-14250	837	14	system	system	NOUN
cblr-14250	837	15	,	,	PUNCT
cblr-14250	837	16	in	in	ADP
cblr-14250	837	17	the	the	DET
cblr-14250	837	18	public	public	ADJ
cblr-14250	837	19	mind	mind	NOUN
cblr-14250	837	20	at	at	ADP
cblr-14250	837	21	least	least	ADJ
cblr-14250	837	22	,	,	PUNCT
cblr-14250	837	23	was	be	AUX
cblr-14250	837	24	not	not	PART
cblr-14250	837	25	sufficient	sufficient	ADJ
cblr-14250	837	26	to	to	PART
cblr-14250	837	27	protect	protect	VERB
cblr-14250	837	28	the	the	DET
cblr-14250	837	29	system	system	NOUN
cblr-14250	837	30	from	from	ADP
cblr-14250	837	31	cataclysmic	cataclysmic	ADJ
cblr-14250	837	32	failure	failure	NOUN
cblr-14250	837	33	.	.	PUNCT
cblr-14250	838	1	roosevelt	roosevelt	PROPN
cblr-14250	838	2	’s	’s	PART
cblr-14250	838	3	use	use	NOUN
cblr-14250	838	4	of	of	ADP
cblr-14250	838	5	bank	bank	NOUN
cblr-14250	838	6	examiners	examiner	NOUN
cblr-14250	838	7	as	as	ADP
cblr-14250	838	8	the	the	DET
cblr-14250	838	9	central	central	ADJ
cblr-14250	838	10	technocratic	technocratic	ADJ
cblr-14250	838	11	force	force	NOUN
cblr-14250	838	12	in	in	ADP
cblr-14250	838	13	making	make	VERB
cblr-14250	838	14	good	good	ADJ
cblr-14250	838	15	on	on	ADP
cblr-14250	838	16	the	the	DET
cblr-14250	838	17	promises	promise	NOUN
cblr-14250	838	18	of	of	ADP
cblr-14250	838	19	the	the	DET
cblr-14250	838	20	holiday	holiday	NOUN
cblr-14250	838	21	,	,	PUNCT
cblr-14250	838	22	followed	follow	VERB
cblr-14250	838	23	by	by	ADP
cblr-14250	838	24	the	the	DET
cblr-14250	838	25	institutionalization	institutionalization	NOUN
cblr-14250	838	26	of	of	ADP
cblr-14250	838	27	deposit	deposit	NOUN
cblr-14250	838	28	insurance	insurance	NOUN
cblr-14250	838	29	and	and	CCONJ
cblr-14250	838	30	the	the	DET
cblr-14250	838	31	multiplication	multiplication	NOUN
cblr-14250	838	32	of	of	ADP
cblr-14250	838	33	bank	bank	NOUN
cblr-14250	838	34	supervisory	supervisory	ADJ
cblr-14250	838	35	structures	structure	NOUN
cblr-14250	838	36	,	,	PUNCT
cblr-14250	838	37	answered	answer	VERB
cblr-14250	838	38	the	the	DET
cblr-14250	838	39	question	question	NOUN
cblr-14250	838	40	once	once	ADV
cblr-14250	838	41	and	and	CCONJ
cblr-14250	838	42	for	for	ADP
cblr-14250	838	43	all	all	PRON
cblr-14250	838	44	:	:	PUNCT
cblr-14250	838	45	banks	bank	NOUN
cblr-14250	838	46	would	would	AUX
cblr-14250	838	47	be	be	AUX
cblr-14250	838	48	supervised	supervise	VERB
cblr-14250	838	49	to	to	PART
cblr-14250	838	50	ensure	ensure	VERB
cblr-14250	838	51	proper	proper	ADJ
cblr-14250	838	52	risk	risk	NOUN
cblr-14250	838	53	management	management	NOUN
cblr-14250	838	54	,	,	PUNCT
cblr-14250	838	55	but	but	CCONJ
cblr-14250	838	56	in	in	ADP
cblr-14250	838	57	the	the	DET
cblr-14250	838	58	event	event	NOUN
cblr-14250	838	59	of	of	ADP
cblr-14250	838	60	failure	failure	NOUN
cblr-14250	838	61	,	,	PUNCT
cblr-14250	838	62	a	a	DET
cblr-14250	838	63	mélange	mélange	NOUN
cblr-14250	838	64	of	of	ADP
cblr-14250	838	65	bank	bank	NOUN
cblr-14250	838	66	supervisory	supervisory	ADJ
cblr-14250	838	67	structures	structure	NOUN
cblr-14250	838	68	would	would	AUX
cblr-14250	838	69	guarantee	guarantee	VERB
cblr-14250	838	70	that	that	SCONJ
cblr-14250	838	71	the	the	DET
cblr-14250	838	72	worst	bad	ADJ
cblr-14250	838	73	of	of	ADP
cblr-14250	838	74	the	the	DET
cblr-14250	838	75	banking	banking	NOUN
cblr-14250	838	76	panics	panic	NOUN
cblr-14250	838	77	of	of	ADP
cblr-14250	838	78	the	the	DET
cblr-14250	838	79	1930s	1930	NOUN
cblr-14250	838	80	would	would	AUX
cblr-14250	838	81	not	not	PART
cblr-14250	838	82	be	be	AUX
cblr-14250	838	83	repeated	repeat	VERB
cblr-14250	838	84	.	.	PUNCT
cblr-14250	838	85	iii	iii	X
cblr-14250	838	86	.	.	PUNCT
cblr-14250	839	1	the	the	DET
cblr-14250	839	2	rise	rise	NOUN
cblr-14250	839	3	and	and	CCONJ
cblr-14250	839	4	reach	reach	NOUN
cblr-14250	839	5	of	of	ADP
cblr-14250	839	6	supervisory	supervisory	ADJ
cblr-14250	839	7	discretion	discretion	NOUN
cblr-14250	839	8	:	:	PUNCT
cblr-14250	839	9	1945–1980	1945–1980	NUM
cblr-14250	839	10	what	what	PRON
cblr-14250	839	11	remained	remain	VERB
cblr-14250	839	12	for	for	ADP
cblr-14250	839	13	the	the	DET
cblr-14250	839	14	second	second	ADJ
cblr-14250	839	15	half	half	NOUN
cblr-14250	839	16	of	of	ADP
cblr-14250	839	17	bank	bank	NOUN
cblr-14250	839	18	supervision	supervision	NOUN
cblr-14250	839	19	’s	’s	PART
cblr-14250	839	20	history	history	NOUN
cblr-14250	839	21	?	?	PUNCT
cblr-14250	840	1	disputes	dispute	NOUN
cblr-14250	840	2	about	about	ADP
cblr-14250	840	3	the	the	DET
cblr-14250	840	4	boundary	boundary	NOUN
cblr-14250	840	5	between	between	ADP
cblr-14250	840	6	public	public	ADJ
cblr-14250	840	7	and	and	CCONJ
cblr-14250	840	8	private	private	ADJ
cblr-14250	840	9	remained	remain	VERB
cblr-14250	840	10	constant	constant	ADJ
cblr-14250	840	11	and	and	CCONJ
cblr-14250	840	12	sometimes	sometimes	ADV
cblr-14250	840	13	quite	quite	ADV
cblr-14250	840	14	hot	hot	ADJ
cblr-14250	840	15	,	,	PUNCT
cblr-14250	840	16	especially	especially	ADV
cblr-14250	840	17	during	during	ADP
cblr-14250	840	18	the	the	DET
cblr-14250	840	19	postwar	postwar	ADJ
cblr-14250	840	20	period	period	NOUN
cblr-14250	840	21	of	of	ADP
cblr-14250	840	22	financial	financial	ADJ
cblr-14250	840	23	tranquility	tranquility	NOUN
cblr-14250	840	24	in	in	ADP
cblr-14250	840	25	the	the	DET
cblr-14250	840	26	united	united	PROPN
cblr-14250	840	27	states	states	PROPN
cblr-14250	840	28	.	.	PUNCT
cblr-14250	841	1	but	but	CCONJ
cblr-14250	841	2	the	the	DET
cblr-14250	841	3	major	major	ADJ
cblr-14250	841	4	trends	trend	NOUN
cblr-14250	841	5	in	in	ADP
cblr-14250	841	6	the	the	DET
cblr-14250	841	7	second	second	ADJ
cblr-14250	841	8	half	half	NOUN
cblr-14250	841	9	of	of	ADP
cblr-14250	841	10	the	the	DET
cblr-14250	841	11	history	history	NOUN
cblr-14250	841	12	of	of	ADP
cblr-14250	841	13	supervision	supervision	NOUN
cblr-14250	841	14	are	be	AUX
cblr-14250	841	15	three	three	NUM
cblr-14250	841	16	-	-	NOUN
cblr-14250	841	17	fold	fold	ADJ
cblr-14250	841	18	.	.	PUNCT
cblr-14250	842	1	first	first	ADV
cblr-14250	842	2	,	,	PUNCT
cblr-14250	842	3	government	government	NOUN
cblr-14250	842	4	actors	actor	NOUN
cblr-14250	842	5	,	,	PUNCT
cblr-14250	842	6	often	often	ADV
cblr-14250	842	7	pushed	push	VERB
cblr-14250	842	8	by	by	ADP
cblr-14250	842	9	private	private	ADJ
cblr-14250	842	10	actors	actor	NOUN
cblr-14250	842	11	through	through	ADP
cblr-14250	842	12	a	a	DET
cblr-14250	842	13	political	political	ADJ
cblr-14250	842	14	economic	economic	ADJ
cblr-14250	842	15	process	process	NOUN
cblr-14250	842	16	,	,	PUNCT
cblr-14250	842	17	fought	fight	VERB
cblr-14250	842	18	over	over	ADP
cblr-14250	842	19	intragovernmental	intragovernmental	ADJ
cblr-14250	842	20	ownership	ownership	NOUN
cblr-14250	842	21	of	of	ADP
cblr-14250	842	22	residual	residual	ADJ
cblr-14250	842	23	systemic	systemic	ADJ
cblr-14250	842	24	risk	risk	NOUN
cblr-14250	842	25	.	.	PUNCT
cblr-14250	843	1	sometimes	sometimes	ADV
cblr-14250	843	2	,	,	PUNCT
cblr-14250	843	3	this	this	PRON
cblr-14250	843	4	resulted	result	VERB
cblr-14250	843	5	in	in	ADP
cblr-14250	843	6	turf	turf	ADJ
cblr-14250	843	7	warfare	warfare	NOUN
cblr-14250	843	8	to	to	PART
cblr-14250	843	9	ensure	ensure	VERB
cblr-14250	843	10	continued	continued	ADJ
cblr-14250	843	11	participation	participation	NOUN
cblr-14250	843	12	in	in	ADP
cblr-14250	843	13	managing	manage	VERB
cblr-14250	843	14	systemic	systemic	ADJ
cblr-14250	843	15	risk	risk	NOUN
cblr-14250	843	16	;	;	PUNCT
cblr-14250	843	17	other	other	ADJ
cblr-14250	843	18	times	time	NOUN
cblr-14250	843	19	,	,	PUNCT
cblr-14250	843	20	it	it	PRON
cblr-14250	843	21	was	be	AUX
cblr-14250	843	22	a	a	DET
cblr-14250	843	23	game	game	NOUN
cblr-14250	843	24	of	of	ADP
cblr-14250	843	25	hot	hot	ADJ
cblr-14250	843	26	potato	potato	NOUN
cblr-14250	843	27	as	as	ADP
cblr-14250	843	28	one	one	NUM
cblr-14250	843	29	set	set	NOUN
cblr-14250	843	30	of	of	ADP
cblr-14250	843	31	supervisory	supervisory	ADJ
cblr-14250	843	32	actors	actor	NOUN
cblr-14250	843	33	sought	seek	VERB
cblr-14250	843	34	to	to	PART
cblr-14250	843	35	push	push	VERB
cblr-14250	843	36	ownership	ownership	NOUN
cblr-14250	843	37	to	to	ADP
cblr-14250	843	38	others	other	NOUN
cblr-14250	843	39	.	.	PUNCT
cblr-14250	844	1	second	second	ADV
cblr-14250	844	2	,	,	PUNCT
cblr-14250	844	3	the	the	DET
cblr-14250	844	4	period	period	NOUN
cblr-14250	844	5	from	from	ADP
cblr-14250	844	6	the	the	DET
cblr-14250	844	7	new	new	ADJ
cblr-14250	844	8	deal	deal	NOUN
cblr-14250	844	9	through	through	ADP
cblr-14250	844	10	the	the	DET
cblr-14250	844	11	1980s	1980	NOUN
cblr-14250	844	12	consisted	consist	VERB
cblr-14250	844	13	of	of	ADP
cblr-14250	844	14	a	a	DET
cblr-14250	844	15	virtually	virtually	ADV
cblr-14250	844	16	one	one	NUM
cblr-14250	844	17	-	-	PUNCT
cblr-14250	844	18	way	way	NOUN
cblr-14250	844	19	congressional	congressional	ADJ
cblr-14250	844	20	ratchet	ratchet	NOUN
cblr-14250	844	21	whereby	whereby	SCONJ
cblr-14250	844	22	congress	congress	PROPN
cblr-14250	844	23	gave	give	VERB
cblr-14250	844	24	more	more	ADJ
cblr-14250	844	25	and	and	CCONJ
cblr-14250	844	26	more	more	ADJ
cblr-14250	844	27	authority	authority	NOUN
cblr-14250	844	28	to	to	ADP
cblr-14250	844	29	bank	bank	NOUN
cblr-14250	844	30	supervisors	supervisor	NOUN
cblr-14250	844	31	,	,	PUNCT
cblr-14250	844	32	spread	spread	VERB
cblr-14250	844	33	throughout	throughout	ADP
cblr-14250	844	34	the	the	DET
cblr-14250	844	35	federal	federal	ADJ
cblr-14250	844	36	government	government	NOUN
cblr-14250	844	37	.	.	PUNCT
cblr-14250	845	1	this	this	PRON
cblr-14250	845	2	included	include	VERB
cblr-14250	845	3	an	an	DET
cblr-14250	845	4	increased	increase	VERB
cblr-14250	845	5	role	role	NOUN
cblr-14250	845	6	in	in	ADP
cblr-14250	845	7	existing	exist	VERB
cblr-14250	845	8	areas	area	NOUN
cblr-14250	845	9	of	of	ADP
cblr-14250	845	10	law	law	NOUN
cblr-14250	845	11	that	that	PRON
cblr-14250	845	12	had	have	VERB
cblr-14250	845	13	no	no	NOUN
cblr-14250	845	14	.	.	NOUN
cblr-14250	845	15	1	1	NUM
cblr-14250	845	16	]	]	PUNCT
cblr-14250	845	17	risk	risk	NOUN
cblr-14250	845	18	,	,	PUNCT
cblr-14250	845	19	discretion	discretion	NOUN
cblr-14250	845	20	,	,	PUNCT
cblr-14250	845	21	and	and	CCONJ
cblr-14250	845	22	bank	bank	NOUN
cblr-14250	845	23	supervision	supervision	NOUN
cblr-14250	845	24	193	193	NUM
cblr-14250	845	25	previously	previously	ADV
cblr-14250	845	26	skipped	skip	VERB
cblr-14250	845	27	banking	banking	NOUN
cblr-14250	845	28	supervisors	supervisor	NOUN
cblr-14250	845	29	—	—	PUNCT
cblr-14250	845	30	namely	namely	ADV
cblr-14250	845	31	,	,	PUNCT
cblr-14250	845	32	antitrust	antitrust	ADJ
cblr-14250	845	33	enforcement	enforcement	NOUN
cblr-14250	845	34	and	and	CCONJ
cblr-14250	845	35	merger	merger	NOUN
cblr-14250	845	36	review	review	NOUN
cblr-14250	845	37	—	—	PUNCT
cblr-14250	845	38	and	and	CCONJ
cblr-14250	845	39	it	it	PRON
cblr-14250	845	40	included	include	VERB
cblr-14250	845	41	new	new	ADJ
cblr-14250	845	42	areas	area	NOUN
cblr-14250	845	43	of	of	ADP
cblr-14250	845	44	federal	federal	ADJ
cblr-14250	845	45	law	law	NOUN
cblr-14250	845	46	entirely	entirely	ADV
cblr-14250	845	47	—	—	PUNCT
cblr-14250	845	48	namely	namely	ADV
cblr-14250	845	49	,	,	PUNCT
cblr-14250	845	50	antidiscrimination	antidiscrimination	NOUN
cblr-14250	845	51	and	and	CCONJ
cblr-14250	845	52	consumer	consumer	NOUN
cblr-14250	845	53	financial	financial	ADJ
cblr-14250	845	54	protection	protection	NOUN
cblr-14250	845	55	.	.	PUNCT
cblr-14250	846	1	in	in	ADP
cblr-14250	846	2	response	response	NOUN
cblr-14250	846	3	to	to	ADP
cblr-14250	846	4	crises	crisis	NOUN
cblr-14250	846	5	,	,	PUNCT
cblr-14250	846	6	scandals	scandal	NOUN
cblr-14250	846	7	,	,	PUNCT
cblr-14250	846	8	or	or	CCONJ
cblr-14250	846	9	nothing	nothing	PRON
cblr-14250	846	10	obvious	obvious	ADJ
cblr-14250	846	11	at	at	ADV
cblr-14250	846	12	all	all	ADV
cblr-14250	846	13	,	,	PUNCT
cblr-14250	846	14	congress	congress	PROPN
cblr-14250	846	15	also	also	ADV
cblr-14250	846	16	pushed	push	VERB
cblr-14250	846	17	forward	forward	ADV
cblr-14250	846	18	with	with	ADP
cblr-14250	846	19	expanding	expand	VERB
cblr-14250	846	20	the	the	DET
cblr-14250	846	21	reach	reach	NOUN
cblr-14250	846	22	of	of	ADP
cblr-14250	846	23	supervision	supervision	NOUN
cblr-14250	846	24	.	.	PUNCT
cblr-14250	847	1	this	this	DET
cblr-14250	847	2	expansion	expansion	NOUN
cblr-14250	847	3	of	of	ADP
cblr-14250	847	4	tasks	task	NOUN
cblr-14250	847	5	and	and	CCONJ
cblr-14250	847	6	responsibilities	responsibility	NOUN
cblr-14250	847	7	meant	mean	VERB
cblr-14250	847	8	that	that	SCONJ
cblr-14250	847	9	supervisors	supervisor	NOUN
cblr-14250	847	10	retained	retain	VERB
cblr-14250	847	11	even	even	ADV
cblr-14250	847	12	more	more	ADJ
cblr-14250	847	13	discretion	discretion	NOUN
cblr-14250	847	14	,	,	PUNCT
cblr-14250	847	15	not	not	PART
cblr-14250	847	16	only	only	ADV
cblr-14250	847	17	in	in	ADP
cblr-14250	847	18	reaching	reach	VERB
cblr-14250	847	19	conclusions	conclusion	NOUN
cblr-14250	847	20	about	about	ADP
cblr-14250	847	21	core	core	ADJ
cblr-14250	847	22	supervisory	supervisory	ADJ
cblr-14250	847	23	decisions	decision	NOUN
cblr-14250	847	24	—	—	PUNCT
cblr-14250	847	25	solvency	solvency	NOUN
cblr-14250	847	26	,	,	PUNCT
cblr-14250	847	27	for	for	ADP
cblr-14250	847	28	example	example	NOUN
cblr-14250	847	29	,	,	PUNCT
cblr-14250	847	30	or	or	CCONJ
cblr-14250	847	31	capital	capital	NOUN
cblr-14250	847	32	adequacy	adequacy	NOUN
cblr-14250	847	33	—	—	PUNCT
cblr-14250	847	34	but	but	CCONJ
cblr-14250	847	35	about	about	ADP
cblr-14250	847	36	prioritization	prioritization	NOUN
cblr-14250	847	37	.	.	PUNCT
cblr-14250	848	1	supervisors	supervisor	NOUN
cblr-14250	848	2	can	can	AUX
cblr-14250	848	3	and	and	CCONJ
cblr-14250	848	4	did	do	AUX
cblr-14250	848	5	put	put	VERB
cblr-14250	848	6	some	some	DET
cblr-14250	848	7	activities	activity	NOUN
cblr-14250	848	8	higher	high	ADJ
cblr-14250	848	9	on	on	ADP
cblr-14250	848	10	the	the	DET
cblr-14250	848	11	list	list	NOUN
cblr-14250	848	12	of	of	ADP
cblr-14250	848	13	priorities	priority	NOUN
cblr-14250	848	14	than	than	ADP
cblr-14250	848	15	others	other	NOUN
cblr-14250	848	16	,	,	PUNCT
cblr-14250	848	17	exercising	exercise	VERB
cblr-14250	848	18	a	a	DET
cblr-14250	848	19	kind	kind	NOUN
cblr-14250	848	20	of	of	ADP
cblr-14250	848	21	prosecutorial	prosecutorial	ADJ
cblr-14250	848	22	discretion	discretion	NOUN
cblr-14250	848	23	that	that	PRON
cblr-14250	848	24	left	leave	VERB
cblr-14250	848	25	some	some	DET
cblr-14250	848	26	policy	policy	NOUN
cblr-14250	848	27	areas	area	NOUN
cblr-14250	848	28	underenforced	underenforced	ADJ
cblr-14250	848	29	and	and	CCONJ
cblr-14250	848	30	others	other	NOUN
cblr-14250	848	31	over	over	ADV
cblr-14250	848	32	-	-	PUNCT
cblr-14250	848	33	enforced	enforce	VERB
cblr-14250	848	34	.	.	PUNCT
cblr-14250	849	1	third	third	ADV
cblr-14250	849	2	,	,	PUNCT
cblr-14250	849	3	despite	despite	SCONJ
cblr-14250	849	4	the	the	DET
cblr-14250	849	5	clear	clear	ADJ
cblr-14250	849	6	institutionalization	institutionalization	NOUN
cblr-14250	849	7	of	of	ADP
cblr-14250	849	8	the	the	DET
cblr-14250	849	9	government	government	NOUN
cblr-14250	849	10	’s	’s	PART
cblr-14250	849	11	support	support	NOUN
cblr-14250	849	12	for	for	ADP
cblr-14250	849	13	,	,	PUNCT
cblr-14250	849	14	and	and	CCONJ
cblr-14250	849	15	even	even	ADV
cblr-14250	849	16	ownership	ownership	NOUN
cblr-14250	849	17	of	of	ADP
cblr-14250	849	18	,	,	PUNCT
cblr-14250	849	19	residual	residual	ADJ
cblr-14250	849	20	risk	risk	NOUN
cblr-14250	849	21	in	in	ADP
cblr-14250	849	22	the	the	DET
cblr-14250	849	23	system	system	NOUN
cblr-14250	849	24	,	,	PUNCT
cblr-14250	849	25	the	the	DET
cblr-14250	849	26	line	line	NOUN
cblr-14250	849	27	between	between	ADP
cblr-14250	849	28	public	public	ADJ
cblr-14250	849	29	and	and	CCONJ
cblr-14250	849	30	private	private	ADJ
cblr-14250	849	31	ownership	ownership	NOUN
cblr-14250	849	32	shifted	shift	VERB
cblr-14250	849	33	constantly	constantly	ADV
cblr-14250	849	34	,	,	PUNCT
cblr-14250	849	35	and	and	CCONJ
cblr-14250	849	36	sometimes	sometimes	ADV
cblr-14250	849	37	bitterly	bitterly	ADV
cblr-14250	849	38	,	,	PUNCT
cblr-14250	849	39	as	as	SCONJ
cblr-14250	849	40	ideological	ideological	ADJ
cblr-14250	849	41	trends	trend	NOUN
cblr-14250	849	42	through	through	ADP
cblr-14250	849	43	the	the	DET
cblr-14250	849	44	end	end	NOUN
cblr-14250	849	45	of	of	ADP
cblr-14250	849	46	the	the	DET
cblr-14250	849	47	twentieth	twentieth	ADJ
cblr-14250	849	48	century	century	NOUN
cblr-14250	849	49	pushed	push	VERB
cblr-14250	849	50	bank	bank	NOUN
cblr-14250	849	51	supervisors	supervisor	NOUN
cblr-14250	849	52	to	to	ADP
cblr-14250	849	53	a	a	DET
cblr-14250	849	54	conception	conception	NOUN
cblr-14250	849	55	of	of	ADP
cblr-14250	849	56	banking	banking	NOUN
cblr-14250	849	57	as	as	ADP
cblr-14250	849	58	a	a	DET
cblr-14250	849	59	fully	fully	ADV
cblr-14250	849	60	private	private	ADJ
cblr-14250	849	61	affair	affair	NOUN
cblr-14250	849	62	,	,	PUNCT
cblr-14250	849	63	with	with	ADP
cblr-14250	849	64	supervision	supervision	NOUN
cblr-14250	849	65	as	as	ADP
cblr-14250	849	66	the	the	DET
cblr-14250	849	67	belt	belt	NOUN
cblr-14250	849	68	to	to	ADP
cblr-14250	849	69	the	the	DET
cblr-14250	849	70	private	private	ADJ
cblr-14250	849	71	-	-	PUNCT
cblr-14250	849	72	sector	sector	NOUN
cblr-14250	849	73	suspenders	suspender	NOUN
cblr-14250	849	74	of	of	ADP
cblr-14250	849	75	risk	risk	NOUN
cblr-14250	849	76	management	management	NOUN
cblr-14250	849	77	.	.	PUNCT
cblr-14250	850	1	the	the	DET
cblr-14250	850	2	promise	promise	NOUN
cblr-14250	850	3	of	of	ADP
cblr-14250	850	4	deposit	deposit	NOUN
cblr-14250	850	5	insurance	insurance	NOUN
cblr-14250	850	6	had	have	AUX
cblr-14250	850	7	been	be	AUX
cblr-14250	850	8	that	that	SCONJ
cblr-14250	850	9	it	it	PRON
cblr-14250	850	10	would	would	AUX
cblr-14250	850	11	not	not	PART
cblr-14250	850	12	need	need	VERB
cblr-14250	850	13	to	to	PART
cblr-14250	850	14	be	be	AUX
cblr-14250	850	15	used	use	VERB
cblr-14250	850	16	,	,	PUNCT
cblr-14250	850	17	nor	nor	CCONJ
cblr-14250	850	18	would	would	AUX
cblr-14250	850	19	the	the	DET
cblr-14250	850	20	other	other	ADJ
cblr-14250	850	21	institutionalized	institutionalize	VERB
cblr-14250	850	22	forms	form	NOUN
cblr-14250	850	23	of	of	ADP
cblr-14250	850	24	residual	residual	ADJ
cblr-14250	850	25	risk	risk	NOUN
cblr-14250	850	26	management	management	NOUN
cblr-14250	850	27	(	(	PUNCT
cblr-14250	850	28	such	such	ADJ
cblr-14250	850	29	as	as	ADP
cblr-14250	850	30	the	the	DET
cblr-14250	850	31	fed	fed	PROPN
cblr-14250	850	32	’s	’s	PART
cblr-14250	850	33	lender	lender	NOUN
cblr-14250	850	34	of	of	ADP
cblr-14250	850	35	last	last	ADJ
cblr-14250	850	36	resort	resort	NOUN
cblr-14250	850	37	functions	function	NOUN
cblr-14250	850	38	)	)	PUNCT
cblr-14250	850	39	.	.	PUNCT
cblr-14250	851	1	in	in	ADP
cblr-14250	851	2	their	their	PRON
cblr-14250	851	3	place	place	NOUN
cblr-14250	851	4	,	,	PUNCT
cblr-14250	851	5	private	private	ADJ
cblr-14250	851	6	actors	actor	NOUN
cblr-14250	851	7	would	would	AUX
cblr-14250	851	8	be	be	AUX
cblr-14250	851	9	allowed	allow	VERB
cblr-14250	851	10	to	to	PART
cblr-14250	851	11	allocate	allocate	VERB
cblr-14250	851	12	risk	risk	NOUN
cblr-14250	851	13	throughout	throughout	ADP
cblr-14250	851	14	the	the	DET
cblr-14250	851	15	system	system	NOUN
cblr-14250	851	16	to	to	ADP
cblr-14250	851	17	parties	party	NOUN
cblr-14250	851	18	most	most	ADV
cblr-14250	851	19	willing	willing	ADJ
cblr-14250	851	20	and	and	CCONJ
cblr-14250	851	21	able	able	ADJ
cblr-14250	851	22	to	to	PART
cblr-14250	851	23	bear	bear	VERB
cblr-14250	851	24	it	it	PRON
cblr-14250	851	25	.	.	PUNCT
cblr-14250	852	1	this	this	DET
cblr-14250	852	2	theory	theory	NOUN
cblr-14250	852	3	of	of	ADP
cblr-14250	852	4	bank	bank	NOUN
cblr-14250	852	5	supervision	supervision	NOUN
cblr-14250	852	6	eventually	eventually	ADV
cblr-14250	852	7	failed	fail	VERB
cblr-14250	852	8	.	.	PUNCT
cblr-14250	853	1	in	in	ADP
cblr-14250	853	2	fact	fact	NOUN
cblr-14250	853	3	,	,	PUNCT
cblr-14250	853	4	it	it	PRON
cblr-14250	853	5	never	never	ADV
cblr-14250	853	6	succeeded	succeed	VERB
cblr-14250	853	7	.	.	PUNCT
cblr-14250	854	1	throughout	throughout	ADP
cblr-14250	854	2	the	the	DET
cblr-14250	854	3	heyday	heyday	NOUN
cblr-14250	854	4	of	of	ADP
cblr-14250	854	5	its	its	PRON
cblr-14250	854	6	dominance	dominance	NOUN
cblr-14250	854	7	—	—	PUNCT
cblr-14250	854	8	the	the	DET
cblr-14250	854	9	1990s	1990	NOUN
cblr-14250	854	10	and	and	CCONJ
cblr-14250	854	11	2000s	2000	NOUN
cblr-14250	854	12	—	—	PUNCT
cblr-14250	854	13	the	the	DET
cblr-14250	854	14	world	world	NOUN
cblr-14250	854	15	was	be	AUX
cblr-14250	854	16	not	not	PART
cblr-14250	854	17	free	free	ADJ
cblr-14250	854	18	from	from	ADP
cblr-14250	854	19	financial	financial	ADJ
cblr-14250	854	20	instability	instability	NOUN
cblr-14250	854	21	,	,	PUNCT
cblr-14250	854	22	and	and	CCONJ
cblr-14250	854	23	,	,	PUNCT
cblr-14250	854	24	although	although	SCONJ
cblr-14250	854	25	this	this	PRON
cblr-14250	854	26	was	be	AUX
cblr-14250	854	27	a	a	DET
cblr-14250	854	28	period	period	NOUN
cblr-14250	854	29	of	of	ADP
cblr-14250	854	30	profound	profound	ADJ
cblr-14250	854	31	desupervision	desupervision	NOUN
cblr-14250	854	32	,	,	PUNCT
cblr-14250	854	33	bank	bank	NOUN
cblr-14250	854	34	supervisors	supervisor	NOUN
cblr-14250	854	35	still	still	ADV
cblr-14250	854	36	owned	own	VERB
cblr-14250	854	37	the	the	DET
cblr-14250	854	38	ultimate	ultimate	ADJ
cblr-14250	854	39	responsibility	responsibility	NOUN
cblr-14250	854	40	for	for	ADP
cblr-14250	854	41	a	a	DET
cblr-14250	854	42	system	system	NOUN
cblr-14250	854	43	that	that	PRON
cblr-14250	854	44	breaks	break	VERB
cblr-14250	854	45	down	down	ADP
cblr-14250	854	46	.	.	PUNCT
cblr-14250	855	1	the	the	DET
cblr-14250	855	2	financial	financial	ADJ
cblr-14250	855	3	crisis	crisis	NOUN
cblr-14250	855	4	of	of	ADP
cblr-14250	855	5	2008	2008	NUM
cblr-14250	855	6	changed	change	VERB
cblr-14250	855	7	this	this	DET
cblr-14250	855	8	presumption	presumption	NOUN
cblr-14250	855	9	.	.	PUNCT
cblr-14250	856	1	afterwards	afterwards	ADV
cblr-14250	856	2	,	,	PUNCT
cblr-14250	856	3	congress	congress	PROPN
cblr-14250	856	4	institutionalized	institutionalize	VERB
cblr-14250	856	5	further	far	ADV
cblr-14250	856	6	the	the	DET
cblr-14250	856	7	role	role	NOUN
cblr-14250	856	8	of	of	ADP
cblr-14250	856	9	supervisors	supervisor	NOUN
cblr-14250	856	10	as	as	ADP
cblr-14250	856	11	the	the	DET
cblr-14250	856	12	manager	manager	NOUN
cblr-14250	856	13	of	of	ADP
cblr-14250	856	14	residual	residual	ADJ
cblr-14250	856	15	risk	risk	NOUN
cblr-14250	856	16	through	through	ADP
cblr-14250	856	17	the	the	DET
cblr-14250	856	18	doddfrank	doddfrank	PROPN
cblr-14250	856	19	act	act	PROPN
cblr-14250	856	20	’s	’s	PART
cblr-14250	856	21	twin	twin	ADJ
cblr-14250	856	22	mechanisms	mechanism	NOUN
cblr-14250	856	23	of	of	ADP
cblr-14250	856	24	(	(	PUNCT
cblr-14250	856	25	1	1	NUM
cblr-14250	856	26	)	)	PUNCT
cblr-14250	856	27	substantially	substantially	ADV
cblr-14250	856	28	expanding	expand	VERB
cblr-14250	856	29	the	the	DET
cblr-14250	856	30	concept	concept	NOUN
cblr-14250	856	31	of	of	ADP
cblr-14250	856	32	systemic	systemic	ADJ
cblr-14250	856	33	risk	risk	NOUN
cblr-14250	856	34	management	management	NOUN
cblr-14250	856	35	and	and	CCONJ
cblr-14250	856	36	(	(	PUNCT
cblr-14250	856	37	2	2	X
cblr-14250	856	38	)	)	PUNCT
cblr-14250	856	39	creating	create	VERB
cblr-14250	856	40	an	an	DET
cblr-14250	856	41	orderly	orderly	ADJ
cblr-14250	856	42	liquidation	liquidation	NOUN
cblr-14250	856	43	authority	authority	NOUN
cblr-14250	856	44	to	to	PART
cblr-14250	856	45	sidestep	sidestep	VERB
cblr-14250	856	46	the	the	DET
cblr-14250	856	47	traditional	traditional	ADJ
cblr-14250	856	48	legal	legal	ADJ
cblr-14250	856	49	systems	system	NOUN
cblr-14250	856	50	of	of	ADP
cblr-14250	856	51	restructuring	restructure	VERB
cblr-14250	856	52	insolvent	insolvent	ADJ
cblr-14250	856	53	institutions	institution	NOUN
cblr-14250	856	54	(	(	PUNCT
cblr-14250	856	55	such	such	ADJ
cblr-14250	856	56	as	as	ADP
cblr-14250	856	57	194	194	NUM
cblr-14250	856	58	columbia	columbia	PROPN
cblr-14250	856	59	business	business	NOUN
cblr-14250	856	60	law	law	PROPN
cblr-14250	856	61	review	review	NOUN
cblr-14250	856	62	[	[	X
cblr-14250	856	63	vol	vol	NOUN
cblr-14250	856	64	.	.	PUNCT
cblr-14250	856	65	2025	2025	NUM
cblr-14250	856	66	bankruptcy	bankruptcy	NOUN
cblr-14250	856	67	or	or	CCONJ
cblr-14250	856	68	fdic	fdic	ADJ
cblr-14250	856	69	liquidation	liquidation	PROPN
cblr-14250	856	70	)	)	PUNCT
cblr-14250	856	71	.	.	PUNCT
cblr-14250	857	1	this	this	DET
cblr-14250	857	2	embrace	embrace	NOUN
cblr-14250	857	3	of	of	ADP
cblr-14250	857	4	the	the	DET
cblr-14250	857	5	longassumed	longassumed	ADJ
cblr-14250	857	6	and	and	CCONJ
cblr-14250	857	7	long	long	ADV
cblr-14250	857	8	-	-	PUNCT
cblr-14250	857	9	practiced	practice	VERB
cblr-14250	857	10	residual	residual	ADJ
cblr-14250	857	11	risk	risk	NOUN
cblr-14250	857	12	management	management	NOUN
cblr-14250	857	13	was	be	AUX
cblr-14250	857	14	controversial	controversial	ADJ
cblr-14250	857	15	:	:	PUNCT
cblr-14250	857	16	a	a	DET
cblr-14250	857	17	“	"	PUNCT
cblr-14250	857	18	big	big	ADJ
cblr-14250	857	19	wet	wet	ADJ
cblr-14250	857	20	kiss	kiss	NOUN
cblr-14250	857	21	to	to	ADP
cblr-14250	857	22	wall	wall	PROPN
cblr-14250	857	23	street	street	PROPN
cblr-14250	857	24	,	,	PUNCT
cblr-14250	857	25	”	"	PUNCT
cblr-14250	857	26	in	in	ADP
cblr-14250	857	27	then	then	ADV
cblr-14250	857	28	presidential	presidential	ADJ
cblr-14250	857	29	candidate	candidate	NOUN
cblr-14250	857	30	mitt	mitt	PROPN
cblr-14250	857	31	romney	romney	PROPN
cblr-14250	857	32	’s	’s	PART
cblr-14250	857	33	evocative	evocative	ADJ
cblr-14250	857	34	description	description	NOUN
cblr-14250	857	35	.	.	PUNCT
cblr-14250	858	1	but	but	CCONJ
cblr-14250	858	2	despite	despite	SCONJ
cblr-14250	858	3	that	that	DET
cblr-14250	858	4	clarity	clarity	NOUN
cblr-14250	858	5	,	,	PUNCT
cblr-14250	858	6	after	after	ADP
cblr-14250	858	7	the	the	DET
cblr-14250	858	8	election	election	NOUN
cblr-14250	858	9	of	of	ADP
cblr-14250	858	10	donald	donald	PROPN
cblr-14250	858	11	trump	trump	NOUN
cblr-14250	858	12	in	in	ADP
cblr-14250	858	13	2016	2016	NUM
cblr-14250	858	14	,	,	PUNCT
cblr-14250	858	15	the	the	DET
cblr-14250	858	16	united	united	PROPN
cblr-14250	858	17	states	states	PROPN
cblr-14250	858	18	entered	enter	VERB
cblr-14250	858	19	into	into	ADP
cblr-14250	858	20	another	another	DET
cblr-14250	858	21	period	period	NOUN
cblr-14250	858	22	of	of	ADP
cblr-14250	858	23	desupervision	desupervision	NOUN
cblr-14250	858	24	wherein	wherein	ADJ
cblr-14250	858	25	supervision	supervision	NOUN
cblr-14250	858	26	was	be	AUX
cblr-14250	858	27	pushed	push	VERB
cblr-14250	858	28	to	to	ADP
cblr-14250	858	29	a	a	DET
cblr-14250	858	30	more	more	ADV
cblr-14250	858	31	regularized	regularize	VERB
cblr-14250	858	32	,	,	PUNCT
cblr-14250	858	33	regulation	regulation	NOUN
cblr-14250	858	34	-	-	PUNCT
cblr-14250	858	35	like	like	ADJ
cblr-14250	858	36	system	system	NOUN
cblr-14250	858	37	.	.	PUNCT
cblr-14250	859	1	the	the	DET
cblr-14250	859	2	pandemic	pandemic	NOUN
cblr-14250	859	3	of	of	ADP
cblr-14250	859	4	2020	2020	NUM
cblr-14250	859	5	brought	bring	VERB
cblr-14250	859	6	with	with	ADP
cblr-14250	859	7	it	it	PRON
cblr-14250	859	8	another	another	DET
cblr-14250	859	9	extraordinary	extraordinary	ADJ
cblr-14250	859	10	intervention	intervention	NOUN
cblr-14250	859	11	into	into	ADP
cblr-14250	859	12	financial	financial	ADJ
cblr-14250	859	13	markets	market	NOUN
cblr-14250	859	14	of	of	ADP
cblr-14250	859	15	all	all	DET
cblr-14250	859	16	types	type	NOUN
cblr-14250	859	17	and	and	CCONJ
cblr-14250	859	18	sizes	size	NOUN
cblr-14250	859	19	,	,	PUNCT
cblr-14250	859	20	placing	place	VERB
cblr-14250	859	21	the	the	DET
cblr-14250	859	22	supervisory	supervisory	ADJ
cblr-14250	859	23	commitment	commitment	NOUN
cblr-14250	859	24	and	and	CCONJ
cblr-14250	859	25	the	the	DET
cblr-14250	859	26	monetary	monetary	ADJ
cblr-14250	859	27	commitment	commitment	NOUN
cblr-14250	859	28	of	of	ADP
cblr-14250	859	29	the	the	DET
cblr-14250	859	30	u.s	u.s	PROPN
cblr-14250	859	31	.	.	PROPN
cblr-14250	859	32	government	government	NOUN
cblr-14250	859	33	in	in	ADP
cblr-14250	859	34	the	the	DET
cblr-14250	859	35	same	same	ADJ
cblr-14250	859	36	position	position	NOUN
cblr-14250	859	37	:	:	PUNCT
cblr-14250	859	38	to	to	PART
cblr-14250	859	39	guarantee	guarantee	VERB
cblr-14250	859	40	stability	stability	NOUN
cblr-14250	859	41	through	through	ADP
cblr-14250	859	42	management	management	NOUN
cblr-14250	859	43	of	of	ADP
cblr-14250	859	44	residual	residual	ADJ
cblr-14250	859	45	systemic	systemic	ADJ
cblr-14250	859	46	risk	risk	NOUN
cblr-14250	859	47	.	.	PUNCT
cblr-14250	860	1	this	this	DET
cblr-14250	860	2	section	section	NOUN
cblr-14250	860	3	tells	tell	VERB
cblr-14250	860	4	the	the	DET
cblr-14250	860	5	history	history	NOUN
cblr-14250	860	6	of	of	ADP
cblr-14250	860	7	the	the	DET
cblr-14250	860	8	push	push	NOUN
cblr-14250	860	9	and	and	CCONJ
cblr-14250	860	10	pull	pull	VERB
cblr-14250	860	11	of	of	ADP
cblr-14250	860	12	these	these	DET
cblr-14250	860	13	unique	unique	ADJ
cblr-14250	860	14	responsibilities	responsibility	NOUN
cblr-14250	860	15	and	and	CCONJ
cblr-14250	860	16	political	political	ADJ
cblr-14250	860	17	pressures	pressure	NOUN
cblr-14250	860	18	.	.	PUNCT
cblr-14250	861	1	a.	a.	NOUN
cblr-14250	861	2	1945	1945	NUM
cblr-14250	861	3	-	-	SYM
cblr-14250	861	4	1960	1960	NUM
cblr-14250	861	5	:	:	PUNCT
cblr-14250	861	6	supervising	supervise	VERB
cblr-14250	861	7	financial	financial	ADJ
cblr-14250	861	8	concentration	concentration	NOUN
cblr-14250	861	9	,	,	PUNCT
cblr-14250	861	10	antitrust	antitrust	ADJ
cblr-14250	861	11	,	,	PUNCT
cblr-14250	861	12	and	and	CCONJ
cblr-14250	861	13	bank	bank	NOUN
cblr-14250	861	14	holding	hold	VERB
cblr-14250	861	15	companies	company	NOUN
cblr-14250	861	16	the	the	DET
cblr-14250	861	17	nineteenth	nineteenth	ADJ
cblr-14250	861	18	century	century	NOUN
cblr-14250	861	19	conception	conception	NOUN
cblr-14250	861	20	of	of	ADP
cblr-14250	861	21	bank	bank	NOUN
cblr-14250	861	22	supervision	supervision	NOUN
cblr-14250	861	23	depended	depend	VERB
cblr-14250	861	24	for	for	ADP
cblr-14250	861	25	the	the	DET
cblr-14250	861	26	most	most	ADJ
cblr-14250	861	27	part	part	NOUN
cblr-14250	861	28	on	on	ADP
cblr-14250	861	29	a	a	DET
cblr-14250	861	30	limited	limited	ADJ
cblr-14250	861	31	model	model	NOUN
cblr-14250	861	32	of	of	ADP
cblr-14250	861	33	banking	banking	NOUN
cblr-14250	861	34	:	:	PUNCT
cblr-14250	861	35	a	a	DET
cblr-14250	861	36	single	single	ADJ
cblr-14250	861	37	bank	bank	NOUN
cblr-14250	861	38	as	as	ADP
cblr-14250	861	39	a	a	DET
cblr-14250	861	40	single	single	ADJ
cblr-14250	861	41	unit	unit	NOUN
cblr-14250	861	42	,	,	PUNCT
cblr-14250	861	43	controlled	control	VERB
cblr-14250	861	44	by	by	ADP
cblr-14250	861	45	a	a	DET
cblr-14250	861	46	single	single	ADJ
cblr-14250	861	47	executive	executive	ADJ
cblr-14250	861	48	team	team	NOUN
cblr-14250	861	49	and	and	CCONJ
cblr-14250	861	50	a	a	DET
cblr-14250	861	51	board	board	NOUN
cblr-14250	861	52	of	of	ADP
cblr-14250	861	53	directors	director	NOUN
cblr-14250	861	54	.	.	PUNCT
cblr-14250	862	1	but	but	CCONJ
cblr-14250	862	2	by	by	ADP
cblr-14250	862	3	the	the	DET
cblr-14250	862	4	early	early	ADJ
cblr-14250	862	5	twentieth	twentieth	ADJ
cblr-14250	862	6	century	century	NOUN
cblr-14250	862	7	,	,	PUNCT
cblr-14250	862	8	this	this	DET
cblr-14250	862	9	conception	conception	NOUN
cblr-14250	862	10	—	—	PUNCT
cblr-14250	862	11	although	although	SCONJ
cblr-14250	862	12	protected	protect	VERB
cblr-14250	862	13	by	by	ADP
cblr-14250	862	14	numerous	numerous	ADJ
cblr-14250	862	15	state	state	NOUN
cblr-14250	862	16	and	and	CCONJ
cblr-14250	862	17	federal	federal	ADJ
cblr-14250	862	18	laws	law	NOUN
cblr-14250	862	19	—	—	PUNCT
cblr-14250	862	20	was	be	AUX
cblr-14250	862	21	a	a	DET
cblr-14250	862	22	decreasingly	decreasingly	ADV
cblr-14250	862	23	accurate	accurate	ADJ
cblr-14250	862	24	description	description	NOUN
cblr-14250	862	25	of	of	ADP
cblr-14250	862	26	the	the	DET
cblr-14250	862	27	state	state	NOUN
cblr-14250	862	28	of	of	ADP
cblr-14250	862	29	the	the	DET
cblr-14250	862	30	u.s	u.s	PROPN
cblr-14250	862	31	.	.	PROPN
cblr-14250	862	32	financial	financial	ADJ
cblr-14250	862	33	system	system	NOUN
cblr-14250	862	34	.	.	PUNCT
cblr-14250	863	1	the	the	DET
cblr-14250	863	2	rise	rise	NOUN
cblr-14250	863	3	of	of	ADP
cblr-14250	863	4	branch	branch	NOUN
cblr-14250	863	5	banking	banking	NOUN
cblr-14250	863	6	and	and	CCONJ
cblr-14250	863	7	what	what	PRON
cblr-14250	863	8	would	would	AUX
cblr-14250	863	9	become	become	VERB
cblr-14250	863	10	the	the	DET
cblr-14250	863	11	bank	bank	NOUN
cblr-14250	863	12	holding	hold	VERB
cblr-14250	863	13	company	company	NOUN
cblr-14250	863	14	—	—	PUNCT
cblr-14250	863	15	also	also	ADV
cblr-14250	863	16	called	call	VERB
cblr-14250	863	17	chain	chain	NOUN
cblr-14250	863	18	and	and	CCONJ
cblr-14250	863	19	group	group	NOUN
cblr-14250	863	20	banking	banking	NOUN
cblr-14250	863	21	,	,	PUNCT
cblr-14250	863	22	although	although	SCONJ
cblr-14250	863	23	there	there	PRON
cblr-14250	863	24	are	be	VERB
cblr-14250	863	25	important	important	ADJ
cblr-14250	863	26	differences	difference	NOUN
cblr-14250	863	27	between	between	ADP
cblr-14250	863	28	and	and	CCONJ
cblr-14250	863	29	among	among	ADP
cblr-14250	863	30	these	these	DET
cblr-14250	863	31	categories	category	NOUN
cblr-14250	863	32	—	—	PUNCT
cblr-14250	863	33	put	put	VERB
cblr-14250	863	34	pressure	pressure	NOUN
cblr-14250	863	35	on	on	ADP
cblr-14250	863	36	the	the	DET
cblr-14250	863	37	old	old	ADJ
cblr-14250	863	38	model.146	model.146	NOUN
cblr-14250	863	39	it	it	PRON
cblr-14250	863	40	also	also	ADV
cblr-14250	863	41	put	put	VERB
cblr-14250	863	42	pressure	pressure	NOUN
cblr-14250	863	43	on	on	ADP
cblr-14250	863	44	what	what	PRON
cblr-14250	863	45	it	it	PRON
cblr-14250	863	46	meant	mean	VERB
cblr-14250	863	47	to	to	PART
cblr-14250	863	48	“	"	PUNCT
cblr-14250	863	49	supervise	supervise	VERB
cblr-14250	863	50	”	"	PUNCT
cblr-14250	863	51	these	these	DET
cblr-14250	863	52	new	new	ADJ
cblr-14250	863	53	institutions	institution	NOUN
cblr-14250	863	54	within	within	ADP
cblr-14250	863	55	the	the	DET
cblr-14250	863	56	framework	framework	NOUN
cblr-14250	863	57	solidified	solidify	VERB
cblr-14250	863	58	in	in	ADP
cblr-14250	863	59	the	the	DET
cblr-14250	863	60	post	post	ADJ
cblr-14250	863	61	new	new	ADJ
cblr-14250	863	62	deal	deal	NOUN
cblr-14250	863	63	era	era	NOUN
cblr-14250	863	64	.	.	PUNCT
cblr-14250	864	1	although	although	SCONJ
cblr-14250	864	2	u.s	u.s	PROPN
cblr-14250	864	3	.	.	PROPN
cblr-14250	864	4	policymakers	policymaker	NOUN
cblr-14250	864	5	embraced	embrace	VERB
cblr-14250	864	6	three	three	NUM
cblr-14250	864	7	risk	risk	NOUN
cblr-14250	864	8	management	management	NOUN
cblr-14250	864	9	buffers	buffer	NOUN
cblr-14250	864	10	—	—	PUNCT
cblr-14250	864	11	personal	personal	ADJ
cblr-14250	864	12	liability	liability	NOUN
cblr-14250	864	13	,	,	PUNCT
cblr-14250	864	14	central	central	ADJ
cblr-14250	864	15	banking	banking	NOUN
cblr-14250	864	16	,	,	PUNCT
cblr-14250	864	17	and	and	CCONJ
cblr-14250	864	18	146	146	NUM
cblr-14250	864	19	see	see	VERB
cblr-14250	864	20	eugene	eugene	PROPN
cblr-14250	864	21	white	white	PROPN
cblr-14250	864	22	,	,	PUNCT
cblr-14250	864	23	the	the	DET
cblr-14250	864	24	political	political	ADJ
cblr-14250	864	25	economy	economy	NOUN
cblr-14250	864	26	of	of	ADP
cblr-14250	864	27	banking	banking	NOUN
cblr-14250	864	28	regulation	regulation	NOUN
cblr-14250	864	29	,	,	PUNCT
cblr-14250	864	30	1864–1933	1864–1933	NUM
cblr-14250	864	31	,	,	PUNCT
cblr-14250	864	32	42	42	NUM
cblr-14250	864	33	j.	j.	PROPN
cblr-14250	864	34	econ	econ	PROPN
cblr-14250	864	35	.	.	PUNCT
cblr-14250	865	1	hist	hist	PROPN
cblr-14250	865	2	.	.	PUNCT
cblr-14250	866	1	33–40	33–40	NUM
cblr-14250	866	2	(	(	PUNCT
cblr-14250	866	3	1982	1982	NUM
cblr-14250	866	4	)	)	PUNCT
cblr-14250	866	5	.	.	PUNCT
cblr-14250	867	1	no	no	INTJ
cblr-14250	867	2	.	.	NOUN
cblr-14250	867	3	1	1	NUM
cblr-14250	867	4	]	]	PUNCT
cblr-14250	867	5	risk	risk	NOUN
cblr-14250	867	6	,	,	PUNCT
cblr-14250	867	7	discretion	discretion	NOUN
cblr-14250	867	8	,	,	PUNCT
cblr-14250	867	9	and	and	CCONJ
cblr-14250	867	10	bank	bank	NOUN
cblr-14250	867	11	supervision	supervision	NOUN
cblr-14250	867	12	195	195	NUM
cblr-14250	867	13	deposit	deposit	NOUN
cblr-14250	867	14	insurance	insurance	NOUN
cblr-14250	867	15	—	—	PUNCT
cblr-14250	867	16	after	after	ADP
cblr-14250	867	17	the	the	DET
cblr-14250	867	18	decline	decline	NOUN
cblr-14250	867	19	of	of	ADP
cblr-14250	867	20	the	the	DET
cblr-14250	867	21	second	second	ADJ
cblr-14250	867	22	bank	bank	NOUN
cblr-14250	867	23	of	of	ADP
cblr-14250	867	24	the	the	DET
cblr-14250	867	25	united	united	PROPN
cblr-14250	867	26	states	states	PROPN
cblr-14250	867	27	in	in	ADP
cblr-14250	867	28	the	the	DET
cblr-14250	867	29	1830s	1830	NOUN
cblr-14250	867	30	,	,	PUNCT
cblr-14250	867	31	they	they	PRON
cblr-14250	867	32	rejected	reject	VERB
cblr-14250	867	33	a	a	DET
cblr-14250	867	34	fourth	fourth	ADJ
cblr-14250	867	35	:	:	PUNCT
cblr-14250	867	36	size	size	NOUN
cblr-14250	867	37	.	.	PUNCT
cblr-14250	868	1	beginning	begin	VERB
cblr-14250	868	2	in	in	ADP
cblr-14250	868	3	the	the	DET
cblr-14250	868	4	nineteenth	nineteenth	ADJ
cblr-14250	868	5	century	century	NOUN
cblr-14250	868	6	and	and	CCONJ
cblr-14250	868	7	building	build	VERB
cblr-14250	868	8	momentum	momentum	NOUN
cblr-14250	868	9	into	into	ADP
cblr-14250	868	10	the	the	DET
cblr-14250	868	11	twentieth	twentieth	NOUN
cblr-14250	868	12	,	,	PUNCT
cblr-14250	868	13	some	some	DET
cblr-14250	868	14	bank	bank	NOUN
cblr-14250	868	15	reformers	reformer	NOUN
cblr-14250	868	16	argued	argue	VERB
cblr-14250	868	17	that	that	SCONJ
cblr-14250	868	18	enabling	enable	VERB
cblr-14250	868	19	banks	bank	NOUN
cblr-14250	868	20	to	to	PART
cblr-14250	868	21	grow	grow	VERB
cblr-14250	868	22	via	via	ADP
cblr-14250	868	23	branching	branch	VERB
cblr-14250	868	24	or	or	CCONJ
cblr-14250	868	25	other	other	ADJ
cblr-14250	868	26	structures	structure	NOUN
cblr-14250	868	27	would	would	AUX
cblr-14250	868	28	allow	allow	VERB
cblr-14250	868	29	for	for	ADP
cblr-14250	868	30	greater	great	ADJ
cblr-14250	868	31	asset	asset	NOUN
cblr-14250	868	32	diversification	diversification	NOUN
cblr-14250	868	33	and	and	CCONJ
cblr-14250	868	34	safety	safety	NOUN
cblr-14250	868	35	for	for	ADP
cblr-14250	868	36	depositors.147	depositors.147	NOUN
cblr-14250	868	37	they	they	PRON
cblr-14250	868	38	pointed	point	VERB
cblr-14250	868	39	to	to	ADP
cblr-14250	868	40	examples	example	NOUN
cblr-14250	868	41	abroad	abroad	ADV
cblr-14250	868	42	,	,	PUNCT
cblr-14250	868	43	including	include	VERB
cblr-14250	868	44	canada	canada	PROPN
cblr-14250	868	45	and	and	CCONJ
cblr-14250	868	46	the	the	DET
cblr-14250	868	47	british	british	ADJ
cblr-14250	868	48	clearing	clearing	NOUN
cblr-14250	868	49	banks	bank	NOUN
cblr-14250	868	50	,	,	PUNCT
cblr-14250	868	51	as	as	ADP
cblr-14250	868	52	clear	clear	ADJ
cblr-14250	868	53	examples	example	NOUN
cblr-14250	868	54	where	where	SCONJ
cblr-14250	868	55	branching	branch	VERB
cblr-14250	868	56	and	and	CCONJ
cblr-14250	868	57	stability	stability	NOUN
cblr-14250	868	58	seemed	seem	VERB
cblr-14250	868	59	to	to	PART
cblr-14250	868	60	go	go	VERB
cblr-14250	868	61	hand	hand	NOUN
cblr-14250	868	62	in	in	ADP
cblr-14250	868	63	hand	hand	NOUN
cblr-14250	868	64	.	.	PUNCT
cblr-14250	869	1	in	in	ADP
cblr-14250	869	2	the	the	DET
cblr-14250	869	3	twentieth	twentieth	ADJ
cblr-14250	869	4	century	century	NOUN
cblr-14250	869	5	,	,	PUNCT
cblr-14250	869	6	some	some	DET
cblr-14250	869	7	states	state	NOUN
cblr-14250	869	8	began	begin	VERB
cblr-14250	869	9	to	to	PART
cblr-14250	869	10	authorize	authorize	VERB
cblr-14250	869	11	branching	branch	VERB
cblr-14250	869	12	,	,	PUNCT
cblr-14250	869	13	creating	create	VERB
cblr-14250	869	14	yet	yet	ADV
cblr-14250	869	15	another	another	DET
cblr-14250	869	16	vector	vector	NOUN
cblr-14250	869	17	of	of	ADP
cblr-14250	869	18	competition	competition	NOUN
cblr-14250	869	19	between	between	ADP
cblr-14250	869	20	state	state	NOUN
cblr-14250	869	21	and	and	CCONJ
cblr-14250	869	22	federal	federal	ADJ
cblr-14250	869	23	systems	system	NOUN
cblr-14250	869	24	.	.	PUNCT
cblr-14250	870	1	in	in	ADP
cblr-14250	870	2	the	the	DET
cblr-14250	870	3	mcfadden	mcfadden	PROPN
cblr-14250	870	4	and	and	CCONJ
cblr-14250	870	5	1933	1933	NUM
cblr-14250	870	6	banking	banking	NOUN
cblr-14250	870	7	acts	act	NOUN
cblr-14250	870	8	,	,	PUNCT
cblr-14250	870	9	congress	congress	PROPN
cblr-14250	870	10	gradually	gradually	ADV
cblr-14250	870	11	liberalized	liberalize	VERB
cblr-14250	870	12	branching	branch	VERB
cblr-14250	870	13	rules	rule	NOUN
cblr-14250	870	14	so	so	SCONJ
cblr-14250	870	15	that	that	SCONJ
cblr-14250	870	16	national	national	ADJ
cblr-14250	870	17	banks	bank	NOUN
cblr-14250	870	18	could	could	AUX
cblr-14250	870	19	build	build	VERB
cblr-14250	870	20	branches	branch	NOUN
cblr-14250	870	21	in	in	ADP
cblr-14250	870	22	line	line	NOUN
cblr-14250	870	23	with	with	ADP
cblr-14250	870	24	state	state	NOUN
cblr-14250	870	25	-	-	PUNCT
cblr-14250	870	26	chartered	charter	VERB
cblr-14250	870	27	banks.148	banks.148	NOUN
cblr-14250	870	28	supervising	supervise	VERB
cblr-14250	870	29	branched	branched	ADJ
cblr-14250	870	30	banks	bank	NOUN
cblr-14250	870	31	was	be	AUX
cblr-14250	870	32	difficult	difficult	ADJ
cblr-14250	870	33	.	.	PUNCT
cblr-14250	871	1	should	should	AUX
cblr-14250	871	2	examiners	examiner	NOUN
cblr-14250	871	3	treat	treat	VERB
cblr-14250	871	4	each	each	DET
cblr-14250	871	5	branch	branch	NOUN
cblr-14250	871	6	as	as	ADP
cblr-14250	871	7	a	a	DET
cblr-14250	871	8	unit	unit	NOUN
cblr-14250	871	9	bank	bank	NOUN
cblr-14250	871	10	or	or	CCONJ
cblr-14250	871	11	rely	rely	VERB
cblr-14250	871	12	on	on	ADP
cblr-14250	871	13	the	the	DET
cblr-14250	871	14	central	central	ADJ
cblr-14250	871	15	management	management	NOUN
cblr-14250	871	16	systems	system	NOUN
cblr-14250	871	17	of	of	ADP
cblr-14250	871	18	the	the	DET
cblr-14250	871	19	head	head	NOUN
cblr-14250	871	20	office	office	NOUN
cblr-14250	871	21	to	to	PART
cblr-14250	871	22	shape	shape	VERB
cblr-14250	871	23	their	their	PRON
cblr-14250	871	24	work	work	NOUN
cblr-14250	871	25	?	?	PUNCT
cblr-14250	872	1	supervising	supervise	VERB
cblr-14250	872	2	holding	hold	VERB
cblr-14250	872	3	companies	company	NOUN
cblr-14250	872	4	was	be	AUX
cblr-14250	872	5	more	more	ADV
cblr-14250	872	6	difficult	difficult	ADJ
cblr-14250	872	7	still	still	ADV
cblr-14250	872	8	,	,	PUNCT
cblr-14250	872	9	in	in	ADP
cblr-14250	872	10	part	part	NOUN
cblr-14250	872	11	because	because	SCONJ
cblr-14250	872	12	only	only	ADV
cblr-14250	872	13	some	some	DET
cblr-14250	872	14	parts	part	NOUN
cblr-14250	872	15	of	of	ADP
cblr-14250	872	16	the	the	DET
cblr-14250	872	17	company	company	NOUN
cblr-14250	872	18	were	be	AUX
cblr-14250	872	19	subject	subject	ADJ
cblr-14250	872	20	to	to	ADP
cblr-14250	872	21	examination	examination	NOUN
cblr-14250	872	22	,	,	PUNCT
cblr-14250	872	23	e.g.	e.g.	ADV
cblr-14250	872	24	,	,	PUNCT
cblr-14250	872	25	subsidiary	subsidiary	NOUN
cblr-14250	872	26	national	national	ADJ
cblr-14250	872	27	banks.149	banks.149	NOUN
cblr-14250	872	28	yet	yet	ADV
cblr-14250	872	29	,	,	PUNCT
cblr-14250	872	30	holding	hold	VERB
cblr-14250	872	31	companies	company	NOUN
cblr-14250	872	32	could	could	AUX
cblr-14250	872	33	incorporate	incorporate	VERB
cblr-14250	872	34	state	state	NOUN
cblr-14250	872	35	banks	bank	NOUN
cblr-14250	872	36	,	,	PUNCT
cblr-14250	872	37	trust	trust	NOUN
cblr-14250	872	38	companies	company	NOUN
cblr-14250	872	39	,	,	PUNCT
cblr-14250	872	40	and	and	CCONJ
cblr-14250	872	41	non	non	ADJ
cblr-14250	872	42	-	-	ADJ
cblr-14250	872	43	financial	financial	ADJ
cblr-14250	872	44	businesses	business	NOUN
cblr-14250	872	45	,	,	PUNCT
cblr-14250	872	46	all	all	PRON
cblr-14250	872	47	of	of	ADP
cblr-14250	872	48	which	which	PRON
cblr-14250	872	49	remained	remain	VERB
cblr-14250	872	50	outside	outside	ADP
cblr-14250	872	51	the	the	DET
cblr-14250	872	52	oversight	oversight	NOUN
cblr-14250	872	53	of	of	ADP
cblr-14250	872	54	federal	federal	ADJ
cblr-14250	872	55	supervisors	supervisor	NOUN
cblr-14250	872	56	.	.	PUNCT
cblr-14250	873	1	in	in	ADP
cblr-14250	873	2	the	the	DET
cblr-14250	873	3	run	run	NOUN
cblr-14250	873	4	up	up	ADP
cblr-14250	873	5	to	to	ADP
cblr-14250	873	6	the	the	DET
cblr-14250	873	7	great	great	ADJ
cblr-14250	873	8	depression	depression	NOUN
cblr-14250	873	9	,	,	PUNCT
cblr-14250	873	10	holding	hold	VERB
cblr-14250	873	11	companies	company	NOUN
cblr-14250	873	12	often	often	ADV
cblr-14250	873	13	hid	hide	VERB
cblr-14250	873	14	risks	risk	NOUN
cblr-14250	873	15	and	and	CCONJ
cblr-14250	873	16	fueled	fuel	VERB
cblr-14250	873	17	speculation	speculation	NOUN
cblr-14250	873	18	.	.	PUNCT
cblr-14250	874	1	size	size	NOUN
cblr-14250	874	2	could	could	AUX
cblr-14250	874	3	diversify	diversify	VERB
cblr-14250	874	4	and	and	CCONJ
cblr-14250	874	5	defuse	defuse	VERB
cblr-14250	874	6	risk	risk	NOUN
cblr-14250	874	7	,	,	PUNCT
cblr-14250	874	8	but	but	CCONJ
cblr-14250	874	9	it	it	PRON
cblr-14250	874	10	could	could	AUX
cblr-14250	874	11	also	also	ADV
cblr-14250	874	12	concentrate	concentrate	VERB
cblr-14250	874	13	it.150	it.150	PROPN
cblr-14250	874	14	147	147	NUM
cblr-14250	874	15	see	see	NOUN
cblr-14250	874	16	,	,	PUNCT
cblr-14250	874	17	e.g.	e.g.	ADV
cblr-14250	874	18	,	,	PUNCT
cblr-14250	874	19	comptroller	comptroller	NOUN
cblr-14250	874	20	pole	pole	NOUN
cblr-14250	874	21	,	,	PUNCT
cblr-14250	874	22	group	group	NOUN
cblr-14250	874	23	banking	banking	NOUN
cblr-14250	874	24	,	,	PUNCT
cblr-14250	874	25	129	129	NUM
cblr-14250	874	26	com	com	NOUN
cblr-14250	874	27	.	.	PUNCT
cblr-14250	874	28	and	and	CCONJ
cblr-14250	875	1	fin	fin	PROPN
cblr-14250	875	2	.	.	PUNCT
cblr-14250	875	3	chron	chron	PROPN
cblr-14250	875	4	.	.	PUNCT
cblr-14250	876	1	70	70	NUM
cblr-14250	876	2	(	(	PUNCT
cblr-14250	876	3	dec	dec	PROPN
cblr-14250	876	4	.	.	PROPN
cblr-14250	876	5	21	21	NUM
cblr-14250	876	6	,	,	PUNCT
cblr-14250	876	7	1929	1929	NUM
cblr-14250	876	8	)	)	PUNCT
cblr-14250	876	9	.	.	PUNCT
cblr-14250	877	1	148	148	NUM
cblr-14250	877	2	mcfadden	mcfadden	PROPN
cblr-14250	877	3	act	act	PROPN
cblr-14250	877	4	,	,	PUNCT
cblr-14250	877	5	pub	pub	NOUN
cblr-14250	877	6	.	.	PUNCT
cblr-14250	878	1	l.	l.	PROPN
cblr-14250	878	2	639	639	NUM
cblr-14250	878	3	,	,	PUNCT
cblr-14250	878	4	69th	69th	ADJ
cblr-14250	878	5	cong	cong	NOUN
cblr-14250	878	6	.	.	PUNCT
cblr-14250	879	1	h.r	h.r	PROPN
cblr-14250	879	2	.	.	PROPN
cblr-14250	879	3	2	2	NUM
cblr-14250	879	4	;	;	PUNCT
cblr-14250	879	5	banking	banking	NOUN
cblr-14250	879	6	act	act	NOUN
cblr-14250	879	7	of	of	ADP
cblr-14250	879	8	1933	1933	NUM
cblr-14250	879	9	,	,	PUNCT
cblr-14250	879	10	pub	pub	NOUN
cblr-14250	879	11	.	.	PUNCT
cblr-14250	880	1	l.	l.	PROPN
cblr-14250	880	2	66	66	NUM
cblr-14250	880	3	,	,	PUNCT
cblr-14250	880	4	73rd	73rd	ADJ
cblr-14250	880	5	congress	congress	PROPN
cblr-14250	880	6	.	.	PUNCT
cblr-14250	880	7	,	,	PUNCT
cblr-14250	880	8	h.r	h.r	PROPN
cblr-14250	880	9	.	.	PROPN
cblr-14250	880	10	5661	5661	NUM
cblr-14250	880	11	.	.	PUNCT
cblr-14250	881	1	149	149	NUM
cblr-14250	881	2	g.	g.	PROPN
cblr-14250	881	3	t.	t.	PROPN
cblr-14250	881	4	cartinhour	cartinhour	PROPN
cblr-14250	881	5	,	,	PUNCT
cblr-14250	881	6	federal	federal	ADJ
cblr-14250	881	7	regulation	regulation	NOUN
cblr-14250	881	8	of	of	ADP
cblr-14250	881	9	group	group	NOUN
cblr-14250	881	10	banking	banking	NOUN
cblr-14250	881	11	,	,	PUNCT
cblr-14250	881	12	4	4	NUM
cblr-14250	881	13	j.	j.	PROPN
cblr-14250	881	14	bus	bus	PROPN
cblr-14250	881	15	.	.	PUNCT
cblr-14250	882	1	u.	u.	PROPN
cblr-14250	882	2	chi	chi	PROPN
cblr-14250	882	3	.	.	PUNCT
cblr-14250	883	1	127	127	NUM
cblr-14250	883	2	(	(	PUNCT
cblr-14250	883	3	1931	1931	NUM
cblr-14250	883	4	)	)	PUNCT
cblr-14250	883	5	.	.	PUNCT
cblr-14250	884	1	150	150	NUM
cblr-14250	884	2	two	two	NUM
cblr-14250	884	3	prominent	prominent	ADJ
cblr-14250	884	4	examples	example	NOUN
cblr-14250	884	5	are	be	AUX
cblr-14250	884	6	caldwell	caldwell	PROPN
cblr-14250	884	7	&	&	CCONJ
cblr-14250	884	8	co.	co.	PROPN
cblr-14250	884	9	and	and	CCONJ
cblr-14250	884	10	the	the	DET
cblr-14250	884	11	michigan	michigan	PROPN
cblr-14250	884	12	holding	hold	VERB
cblr-14250	884	13	companies	company	NOUN
cblr-14250	884	14	the	the	DET
cblr-14250	884	15	detroit	detroit	PROPN
cblr-14250	884	16	bankers	bankers	PROPN
cblr-14250	884	17	company	company	PROPN
cblr-14250	884	18	and	and	CCONJ
cblr-14250	884	19	the	the	DET
cblr-14250	884	20	guardian	guardian	PROPN
cblr-14250	884	21	group	group	NOUN
cblr-14250	884	22	,	,	PUNCT
cblr-14250	884	23	all	all	PRON
cblr-14250	884	24	of	of	ADP
cblr-14250	884	25	which	which	PRON
cblr-14250	884	26	failed	fail	VERB
cblr-14250	884	27	spectacularly	spectacularly	ADV
cblr-14250	884	28	during	during	ADP
cblr-14250	884	29	the	the	DET
cblr-14250	884	30	great	great	ADJ
cblr-14250	884	31	depression	depression	NOUN
cblr-14250	884	32	.	.	PUNCT
cblr-14250	885	1	see	see	VERB
cblr-14250	885	2	awalt	awalt	PROPN
cblr-14250	885	3	,	,	PUNCT
cblr-14250	885	4	supra	supra	PROPN
cblr-14250	885	5	note	note	PROPN
cblr-14250	885	6	135	135	NUM
cblr-14250	885	7	;	;	PUNCT
cblr-14250	885	8	darwyn	darwyn	PROPN
cblr-14250	885	9	h.	h.	PROPN
cblr-14250	885	10	lumley	lumley	PROPN
cblr-14250	885	11	,	,	PUNCT
cblr-14250	885	12	breaking	break	VERB
cblr-14250	885	13	the	the	DET
cblr-14250	885	14	banks	bank	NOUN
cblr-14250	885	15	in	in	ADP
cblr-14250	885	16	motor	motor	NOUN
cblr-14250	885	17	city	city	NOUN
cblr-14250	885	18	:	:	PUNCT
cblr-14250	885	19	the	the	DET
cblr-14250	885	20	auto	auto	NOUN
cblr-14250	885	21	industry	industry	NOUN
cblr-14250	885	22	,	,	PUNCT
cblr-14250	885	23	the	the	DET
cblr-14250	885	24	1933	1933	NUM
cblr-14250	885	25	detroit	detroit	PROPN
cblr-14250	885	26	banking	banking	NOUN
cblr-14250	885	27	crisis	crisis	NOUN
cblr-14250	885	28	and	and	CCONJ
cblr-14250	885	29	the	the	DET
cblr-14250	885	30	start	start	NOUN
cblr-14250	885	31	of	of	ADP
cblr-14250	885	32	the	the	DET
cblr-14250	885	33	new	new	ADJ
cblr-14250	885	34	deal	deal	NOUN
cblr-14250	885	35	(	(	PUNCT
cblr-14250	885	36	2009	2009	NUM
cblr-14250	885	37	)	)	PUNCT
cblr-14250	885	38	;	;	PUNCT
cblr-14250	885	39	john	john	PROPN
cblr-14250	885	40	berry	berry	PROPN
cblr-14250	885	41	mcferrin	mcferrin	PROPN
cblr-14250	885	42	,	,	PUNCT
cblr-14250	885	43	caldwell	caldwell	PROPN
cblr-14250	885	44	&	&	CCONJ
cblr-14250	885	45	company	company	PROPN
cblr-14250	885	46	(	(	PUNCT
cblr-14250	885	47	1939	1939	NUM
cblr-14250	885	48	)	)	PUNCT
cblr-14250	885	49	;	;	PUNCT
cblr-14250	885	50	196	196	NUM
cblr-14250	885	51	columbia	columbia	PROPN
cblr-14250	885	52	business	business	PROPN
cblr-14250	885	53	law	law	PROPN
cblr-14250	885	54	review	review	NOUN
cblr-14250	885	55	[	[	X
cblr-14250	885	56	vol	vol	NOUN
cblr-14250	885	57	.	.	PUNCT
cblr-14250	886	1	2025	2025	NUM
cblr-14250	886	2	congress	congress	PROPN
cblr-14250	886	3	and	and	CCONJ
cblr-14250	886	4	bank	bank	NOUN
cblr-14250	886	5	supervisors	supervisor	NOUN
cblr-14250	886	6	knew	know	VERB
cblr-14250	886	7	this	this	PRON
cblr-14250	886	8	and	and	CCONJ
cblr-14250	886	9	attempted	attempt	VERB
cblr-14250	886	10	to	to	PART
cblr-14250	886	11	create	create	VERB
cblr-14250	886	12	a	a	DET
cblr-14250	886	13	system	system	NOUN
cblr-14250	886	14	that	that	PRON
cblr-14250	886	15	would	would	AUX
cblr-14250	886	16	protect	protect	VERB
cblr-14250	886	17	smaller	small	ADJ
cblr-14250	886	18	banks	bank	NOUN
cblr-14250	886	19	from	from	ADP
cblr-14250	886	20	competition	competition	NOUN
cblr-14250	886	21	and	and	CCONJ
cblr-14250	886	22	the	the	DET
cblr-14250	886	23	threat	threat	NOUN
cblr-14250	886	24	of	of	ADP
cblr-14250	886	25	larger	large	ADJ
cblr-14250	886	26	bank	bank	NOUN
cblr-14250	886	27	collections	collection	NOUN
cblr-14250	886	28	.	.	PUNCT
cblr-14250	887	1	these	these	DET
cblr-14250	887	2	laws	law	NOUN
cblr-14250	887	3	,	,	PUNCT
cblr-14250	887	4	from	from	ADP
cblr-14250	887	5	1913	1913	NUM
cblr-14250	887	6	to	to	ADP
cblr-14250	887	7	1933	1933	NUM
cblr-14250	887	8	,	,	PUNCT
cblr-14250	887	9	were	be	AUX
cblr-14250	887	10	focused	focus	VERB
cblr-14250	887	11	mostly	mostly	ADV
cblr-14250	887	12	on	on	ADP
cblr-14250	887	13	how	how	SCONJ
cblr-14250	887	14	the	the	DET
cblr-14250	887	15	governance	governance	NOUN
cblr-14250	887	16	of	of	ADP
cblr-14250	887	17	these	these	DET
cblr-14250	887	18	holding	hold	VERB
cblr-14250	887	19	companies	company	NOUN
cblr-14250	887	20	must	must	AUX
cblr-14250	887	21	operate	operate	VERB
cblr-14250	887	22	,	,	PUNCT
cblr-14250	887	23	and	and	CCONJ
cblr-14250	887	24	with	with	ADP
cblr-14250	887	25	what	what	DET
cblr-14250	887	26	kinds	kind	NOUN
cblr-14250	887	27	of	of	ADP
cblr-14250	887	28	transparency	transparency	NOUN
cblr-14250	887	29	.	.	PUNCT
cblr-14250	888	1	there	there	PRON
cblr-14250	888	2	was	be	VERB
cblr-14250	888	3	precious	precious	ADJ
cblr-14250	888	4	little	little	ADJ
cblr-14250	888	5	clarity	clarity	NOUN
cblr-14250	888	6	on	on	ADP
cblr-14250	888	7	what	what	PRON
cblr-14250	888	8	the	the	DET
cblr-14250	888	9	supervision	supervision	NOUN
cblr-14250	888	10	of	of	ADP
cblr-14250	888	11	the	the	DET
cblr-14250	888	12	holding	hold	VERB
cblr-14250	888	13	company	company	NOUN
cblr-14250	888	14	—	—	PUNCT
cblr-14250	888	15	and	and	CCONJ
cblr-14250	888	16	not	not	PART
cblr-14250	888	17	just	just	ADV
cblr-14250	888	18	the	the	DET
cblr-14250	888	19	chartered	chartered	ADJ
cblr-14250	888	20	bank	bank	NOUN
cblr-14250	888	21	within	within	ADP
cblr-14250	888	22	the	the	DET
cblr-14250	888	23	holding	hold	VERB
cblr-14250	888	24	company	company	NOUN
cblr-14250	888	25	—	—	PUNCT
cblr-14250	888	26	should	should	AUX
cblr-14250	888	27	be	be	AUX
cblr-14250	888	28	.	.	PUNCT
cblr-14250	889	1	the	the	DET
cblr-14250	889	2	bank	bank	NOUN
cblr-14250	889	3	holding	hold	VERB
cblr-14250	889	4	company	company	NOUN
cblr-14250	889	5	—	—	PUNCT
cblr-14250	889	6	briefly	briefly	ADV
cblr-14250	889	7	,	,	PUNCT
cblr-14250	889	8	a	a	DET
cblr-14250	889	9	company	company	NOUN
cblr-14250	889	10	that	that	PRON
cblr-14250	889	11	controls	control	VERB
cblr-14250	889	12	a	a	DET
cblr-14250	889	13	bank	bank	NOUN
cblr-14250	889	14	,	,	PUNCT
cblr-14250	889	15	although	although	SCONJ
cblr-14250	889	16	these	these	DET
cblr-14250	889	17	three	three	NUM
cblr-14250	889	18	terms	term	NOUN
cblr-14250	889	19	were	be	AUX
cblr-14250	889	20	and	and	CCONJ
cblr-14250	889	21	are	be	AUX
cblr-14250	889	22	somewhat	somewhat	ADV
cblr-14250	889	23	difficult	difficult	ADJ
cblr-14250	889	24	to	to	PART
cblr-14250	889	25	define	define	VERB
cblr-14250	889	26	—	—	PUNCT
cblr-14250	889	27	exists	exist	VERB
cblr-14250	889	28	today	today	NOUN
cblr-14250	889	29	as	as	ADP
cblr-14250	889	30	a	a	DET
cblr-14250	889	31	relic	relic	NOUN
cblr-14250	889	32	of	of	ADP
cblr-14250	889	33	some	some	PRON
cblr-14250	889	34	of	of	ADP
cblr-14250	889	35	these	these	DET
cblr-14250	889	36	restrictions	restriction	NOUN
cblr-14250	889	37	,	,	PUNCT
cblr-14250	889	38	mostly	mostly	ADV
cblr-14250	889	39	abolished	abolish	VERB
cblr-14250	889	40	in	in	ADP
cblr-14250	889	41	1994	1994	NUM
cblr-14250	889	42	.	.	PUNCT
cblr-14250	890	1	the	the	DET
cblr-14250	890	2	bank	bank	NOUN
cblr-14250	890	3	holding	hold	VERB
cblr-14250	890	4	company	company	NOUN
cblr-14250	890	5	is	be	AUX
cblr-14250	890	6	also	also	ADV
cblr-14250	890	7	mostly	mostly	ADV
cblr-14250	890	8	an	an	DET
cblr-14250	890	9	american	american	ADJ
cblr-14250	890	10	phenomenon	phenomenon	NOUN
cblr-14250	890	11	,	,	PUNCT
cblr-14250	890	12	a	a	DET
cblr-14250	890	13	response	response	NOUN
cblr-14250	890	14	to	to	ADP
cblr-14250	890	15	legal	legal	ADJ
cblr-14250	890	16	constraints	constraint	NOUN
cblr-14250	890	17	closely	closely	ADV
cblr-14250	890	18	wedded	wed	VERB
cblr-14250	890	19	to	to	ADP
cblr-14250	890	20	u.s	u.s	PROPN
cblr-14250	890	21	.	.	PROPN
cblr-14250	890	22	history	history	NOUN
cblr-14250	890	23	,	,	PUNCT
cblr-14250	890	24	politics	politic	NOUN
cblr-14250	890	25	,	,	PUNCT
cblr-14250	890	26	and	and	CCONJ
cblr-14250	890	27	law.151	law.151	VERB
cblr-14250	890	28	the	the	DET
cblr-14250	890	29	serious	serious	ADJ
cblr-14250	890	30	supervisory	supervisory	ADJ
cblr-14250	890	31	challenges	challenge	NOUN
cblr-14250	890	32	arose	arise	VERB
cblr-14250	890	33	in	in	ADP
cblr-14250	890	34	tandem	tandem	NOUN
cblr-14250	890	35	;	;	PUNCT
cblr-14250	890	36	given	give	VERB
cblr-14250	890	37	the	the	DET
cblr-14250	890	38	legal	legal	ADJ
cblr-14250	890	39	fiction	fiction	NOUN
cblr-14250	890	40	of	of	ADP
cblr-14250	890	41	the	the	DET
cblr-14250	890	42	corporation	corporation	NOUN
cblr-14250	890	43	,	,	PUNCT
cblr-14250	890	44	how	how	SCONJ
cblr-14250	890	45	does	do	AUX
cblr-14250	890	46	a	a	DET
cblr-14250	890	47	supervisor	supervisor	NOUN
cblr-14250	890	48	get	get	VERB
cblr-14250	890	49	a	a	DET
cblr-14250	890	50	good	good	ADJ
cblr-14250	890	51	sense	sense	NOUN
cblr-14250	890	52	of	of	ADP
cblr-14250	890	53	the	the	DET
cblr-14250	890	54	ways	way	NOUN
cblr-14250	890	55	that	that	PRON
cblr-14250	890	56	corporate	corporate	ADJ
cblr-14250	890	57	families	family	NOUN
cblr-14250	890	58	function	function	VERB
cblr-14250	890	59	in	in	ADP
cblr-14250	890	60	and	and	CCONJ
cblr-14250	890	61	around	around	ADP
cblr-14250	890	62	banking	banking	NOUN
cblr-14250	890	63	?	?	PUNCT
cblr-14250	891	1	how	how	SCONJ
cblr-14250	891	2	do	do	AUX
cblr-14250	891	3	supervisors	supervisor	NOUN
cblr-14250	891	4	ensure	ensure	VERB
cblr-14250	891	5	that	that	SCONJ
cblr-14250	891	6	risks	risk	NOUN
cblr-14250	891	7	—	—	PUNCT
cblr-14250	891	8	idiosyncratic	idiosyncratic	ADJ
cblr-14250	891	9	and	and	CCONJ
cblr-14250	891	10	systemic	systemic	ADJ
cblr-14250	891	11	alike	alike	ADV
cblr-14250	891	12	—	—	PUNCT
cblr-14250	891	13	are	be	AUX
cblr-14250	891	14	appropriate	appropriate	ADJ
cblr-14250	891	15	?	?	PUNCT
cblr-14250	892	1	how	how	SCONJ
cblr-14250	892	2	does	do	AUX
cblr-14250	892	3	one	one	PRON
cblr-14250	892	4	understand	understand	VERB
cblr-14250	892	5	the	the	DET
cblr-14250	892	6	interconnections	interconnection	NOUN
cblr-14250	892	7	within	within	ADP
cblr-14250	892	8	a	a	DET
cblr-14250	892	9	bank	bank	NOUN
cblr-14250	892	10	holding	hold	VERB
cblr-14250	892	11	company	company	NOUN
cblr-14250	892	12	and	and	CCONJ
cblr-14250	892	13	beyond	beyond	ADV
cblr-14250	892	14	,	,	PUNCT
cblr-14250	892	15	to	to	ADP
cblr-14250	892	16	the	the	DET
cblr-14250	892	17	broader	broad	ADJ
cblr-14250	892	18	system	system	NOUN
cblr-14250	892	19	?	?	PUNCT
cblr-14250	893	1	do	do	AUX
cblr-14250	893	2	holding	hold	VERB
cblr-14250	893	3	companies	company	NOUN
cblr-14250	893	4	facilitate	facilitate	VERB
cblr-14250	893	5	financial	financial	ADJ
cblr-14250	893	6	concentration	concentration	NOUN
cblr-14250	893	7	in	in	ADP
cblr-14250	893	8	ways	way	NOUN
cblr-14250	893	9	that	that	PRON
cblr-14250	893	10	contravene	contravene	VERB
cblr-14250	893	11	the	the	DET
cblr-14250	893	12	spirit	spirit	NOUN
cblr-14250	893	13	and	and	CCONJ
cblr-14250	893	14	letter	letter	NOUN
cblr-14250	893	15	of	of	ADP
cblr-14250	893	16	antitrust	antitrust	ADJ
cblr-14250	893	17	law	law	NOUN
cblr-14250	893	18	?	?	PUNCT
cblr-14250	894	1	and	and	CCONJ
cblr-14250	894	2	especially	especially	ADV
cblr-14250	894	3	relevant	relevant	ADJ
cblr-14250	894	4	to	to	ADP
cblr-14250	894	5	the	the	DET
cblr-14250	894	6	twentieth	twentieth	ADJ
cblr-14250	894	7	century	century	NOUN
cblr-14250	894	8	until	until	ADP
cblr-14250	894	9	1994	1994	NUM
cblr-14250	894	10	,	,	PUNCT
cblr-14250	894	11	how	how	SCONJ
cblr-14250	894	12	do	do	AUX
cblr-14250	894	13	supervisors	supervisor	NOUN
cblr-14250	894	14	verify	verify	VERB
cblr-14250	894	15	that	that	SCONJ
cblr-14250	894	16	holding	hold	VERB
cblr-14250	894	17	companies	company	NOUN
cblr-14250	894	18	are	be	AUX
cblr-14250	894	19	honoring	honor	VERB
cblr-14250	894	20	legal	legal	ADJ
cblr-14250	894	21	limits	limit	NOUN
cblr-14250	894	22	on	on	ADP
cblr-14250	894	23	interstate	interstate	ADJ
cblr-14250	894	24	banking	banking	NOUN
cblr-14250	894	25	,	,	PUNCT
cblr-14250	894	26	both	both	CCONJ
cblr-14250	894	27	state	state	NOUN
cblr-14250	894	28	and	and	CCONJ
cblr-14250	894	29	federal	federal	ADJ
cblr-14250	894	30	?	?	PUNCT
cblr-14250	895	1	in	in	ADP
cblr-14250	895	2	1935	1935	NUM
cblr-14250	895	3	,	,	PUNCT
cblr-14250	895	4	marriner	marriner	PROPN
cblr-14250	895	5	eccles	eccles	PROPN
cblr-14250	895	6	,	,	PUNCT
cblr-14250	895	7	the	the	DET
cblr-14250	895	8	utah	utah	PROPN
cblr-14250	895	9	banker	banker	NOUN
cblr-14250	895	10	whose	whose	DET
cblr-14250	895	11	calls	call	VERB
cblr-14250	895	12	for	for	ADP
cblr-14250	895	13	substantial	substantial	ADJ
cblr-14250	895	14	fiscal	fiscal	ADJ
cblr-14250	895	15	intervention	intervention	NOUN
cblr-14250	895	16	catapulted	catapult	VERB
cblr-14250	895	17	him	he	PRON
cblr-14250	895	18	to	to	ADP
cblr-14250	895	19	national	national	ADJ
cblr-14250	895	20	attention	attention	NOUN
cblr-14250	895	21	during	during	ADP
cblr-14250	895	22	the	the	DET
cblr-14250	895	23	transition	transition	NOUN
cblr-14250	895	24	between	between	ADP
cblr-14250	895	25	the	the	DET
cblr-14250	895	26	hoover	hoover	PROPN
cblr-14250	895	27	and	and	CCONJ
cblr-14250	895	28	roosevelt	roosevelt	PROPN
cblr-14250	895	29	administrations	administration	NOUN
cblr-14250	895	30	,	,	PUNCT
cblr-14250	895	31	was	be	AUX
cblr-14250	895	32	nominated	nominate	VERB
cblr-14250	895	33	to	to	ADP
cblr-14250	895	34	the	the	DET
cblr-14250	895	35	newly	newly	ADV
cblr-14250	895	36	created	create	VERB
cblr-14250	895	37	position	position	NOUN
cblr-14250	895	38	of	of	ADP
cblr-14250	895	39	chairman	chairman	NOUN
cblr-14250	895	40	of	of	ADP
cblr-14250	895	41	the	the	DET
cblr-14250	895	42	federal	federal	PROPN
cblr-14250	895	43	reserve	reserve	PROPN
cblr-14250	895	44	system	system	NOUN
cblr-14250	895	45	.	.	PUNCT
cblr-14250	896	1	see	see	VERB
cblr-14250	896	2	also	also	ADV
cblr-14250	896	3	stock	stock	NOUN
cblr-14250	896	4	exchange	exchange	NOUN
cblr-14250	896	5	practices	practice	NOUN
cblr-14250	896	6	:	:	PUNCT
cblr-14250	896	7	hearings	hearing	NOUN
cblr-14250	896	8	before	before	ADP
cblr-14250	896	9	the	the	DET
cblr-14250	896	10	s.	s.	PROPN
cblr-14250	896	11	comm	comm	NOUN
cblr-14250	896	12	.	.	PUNCT
cblr-14250	897	1	on	on	ADP
cblr-14250	897	2	banking	banking	NOUN
cblr-14250	897	3	and	and	CCONJ
cblr-14250	897	4	currency	currency	NOUN
cblr-14250	897	5	,	,	PUNCT
cblr-14250	897	6	73d	73d	NOUN
cblr-14250	897	7	cong	cong	NOUN
cblr-14250	897	8	.	.	PUNCT
cblr-14250	898	1	pt	pt	PROPN
cblr-14250	898	2	.	.	PROPN
cblr-14250	898	3	10	10	NUM
cblr-14250	898	4	,	,	PUNCT
cblr-14250	898	5	12	12	NUM
cblr-14250	898	6	(	(	PUNCT
cblr-14250	898	7	1934	1934	NUM
cblr-14250	898	8	)	)	PUNCT
cblr-14250	898	9	.	.	PUNCT
cblr-14250	899	1	151	151	NUM
cblr-14250	899	2	see	see	VERB
cblr-14250	899	3	margaret	margaret	PROPN
cblr-14250	899	4	tahyar	tahyar	PROPN
cblr-14250	899	5	&	&	CCONJ
cblr-14250	899	6	saule	saule	PROPN
cblr-14250	899	7	omarova	omarova	PROPN
cblr-14250	899	8	,	,	PUNCT
cblr-14250	899	9	that	that	PRON
cblr-14250	899	10	which	which	PRON
cblr-14250	899	11	we	we	PRON
cblr-14250	899	12	call	call	VERB
cblr-14250	899	13	a	a	DET
cblr-14250	899	14	bank	bank	NOUN
cblr-14250	899	15	:	:	PUNCT
cblr-14250	899	16	revisiting	revisit	VERB
cblr-14250	899	17	the	the	DET
cblr-14250	899	18	history	history	NOUN
cblr-14250	899	19	of	of	ADP
cblr-14250	899	20	bank	bank	NOUN
cblr-14250	899	21	holding	hold	VERB
cblr-14250	899	22	company	company	NOUN
cblr-14250	899	23	regulations	regulation	NOUN
cblr-14250	899	24	in	in	ADP
cblr-14250	899	25	the	the	DET
cblr-14250	899	26	united	united	PROPN
cblr-14250	899	27	states	states	PROPN
cblr-14250	899	28	,	,	PUNCT
cblr-14250	899	29	31	31	NUM
cblr-14250	899	30	r.	r.	PROPN
cblr-14250	899	31	banking	banking	PROPN
cblr-14250	899	32	&	&	CCONJ
cblr-14250	899	33	fin	fin	PROPN
cblr-14250	899	34	.	.	PUNCT
cblr-14250	900	1	l.	l.	PROPN
cblr-14250	900	2	114–16	114–16	PROPN
cblr-14250	900	3	(	(	PUNCT
cblr-14250	900	4	2012	2012	NUM
cblr-14250	900	5	)	)	PUNCT
cblr-14250	900	6	.	.	PUNCT
cblr-14250	901	1	no	no	INTJ
cblr-14250	901	2	.	.	NOUN
cblr-14250	901	3	1	1	NUM
cblr-14250	901	4	]	]	PUNCT
cblr-14250	901	5	risk	risk	NOUN
cblr-14250	901	6	,	,	PUNCT
cblr-14250	901	7	discretion	discretion	NOUN
cblr-14250	901	8	,	,	PUNCT
cblr-14250	901	9	and	and	CCONJ
cblr-14250	901	10	bank	bank	NOUN
cblr-14250	901	11	supervision	supervision	NOUN
cblr-14250	901	12	197	197	NUM
cblr-14250	901	13	eccles	eccle	NOUN
cblr-14250	901	14	quickly	quickly	ADV
cblr-14250	901	15	zeroed	zero	VERB
cblr-14250	901	16	in	in	ADP
cblr-14250	901	17	on	on	ADP
cblr-14250	901	18	the	the	DET
cblr-14250	901	19	supervisory	supervisory	ADJ
cblr-14250	901	20	threat	threat	NOUN
cblr-14250	901	21	of	of	ADP
cblr-14250	901	22	holding	hold	VERB
cblr-14250	901	23	companies	company	NOUN
cblr-14250	901	24	,	,	PUNCT
cblr-14250	901	25	a	a	DET
cblr-14250	901	26	world	world	NOUN
cblr-14250	901	27	he	he	PRON
cblr-14250	901	28	knew	know	VERB
cblr-14250	901	29	very	very	ADV
cblr-14250	901	30	well	well	ADV
cblr-14250	901	31	.	.	PUNCT
cblr-14250	902	1	eccles	eccles	PROPN
cblr-14250	902	2	’s	’s	PART
cblr-14250	902	3	banking	banking	NOUN
cblr-14250	902	4	empire	empire	NOUN
cblr-14250	902	5	in	in	ADP
cblr-14250	902	6	the	the	DET
cblr-14250	902	7	mountain	mountain	NOUN
cblr-14250	902	8	west	west	NOUN
cblr-14250	902	9	,	,	PUNCT
cblr-14250	902	10	first	first	ADJ
cblr-14250	902	11	security	security	NOUN
cblr-14250	902	12	corporation	corporation	NOUN
cblr-14250	902	13	,	,	PUNCT
cblr-14250	902	14	was	be	AUX
cblr-14250	902	15	one	one	NUM
cblr-14250	902	16	of	of	ADP
cblr-14250	902	17	the	the	DET
cblr-14250	902	18	first	first	ADJ
cblr-14250	902	19	multi	multi	ADJ
cblr-14250	902	20	-	-	ADJ
cblr-14250	902	21	bank	bank	ADJ
cblr-14250	902	22	holding	hold	VERB
cblr-14250	902	23	companies	company	NOUN
cblr-14250	902	24	in	in	ADP
cblr-14250	902	25	the	the	DET
cblr-14250	902	26	united	united	PROPN
cblr-14250	902	27	states.152	states.152	PROPN
cblr-14250	902	28	one	one	NUM
cblr-14250	902	29	of	of	ADP
cblr-14250	902	30	the	the	DET
cblr-14250	902	31	first	first	ADJ
cblr-14250	902	32	,	,	PUNCT
cblr-14250	902	33	perhaps	perhaps	ADV
cblr-14250	902	34	,	,	PUNCT
cblr-14250	902	35	but	but	CCONJ
cblr-14250	902	36	not	not	PART
cblr-14250	902	37	the	the	DET
cblr-14250	902	38	largest	large	ADJ
cblr-14250	902	39	by	by	ADP
cblr-14250	902	40	the	the	DET
cblr-14250	902	41	late	late	ADJ
cblr-14250	902	42	1930s	1930	NOUN
cblr-14250	902	43	.	.	PUNCT
cblr-14250	903	1	that	that	DET
cblr-14250	903	2	honor	honor	NOUN
cblr-14250	903	3	belonged	belong	VERB
cblr-14250	903	4	to	to	ADP
cblr-14250	903	5	a.p	a.p	PROPN
cblr-14250	903	6	.	.	PROPN
cblr-14250	903	7	giannini	giannini	PROPN
cblr-14250	903	8	’s	’s	PART
cblr-14250	903	9	transamerica	transamerica	PROPN
cblr-14250	903	10	,	,	PUNCT
cblr-14250	903	11	a	a	DET
cblr-14250	903	12	holding	hold	VERB
cblr-14250	903	13	company	company	NOUN
cblr-14250	903	14	that	that	PRON
cblr-14250	903	15	controlled	control	VERB
cblr-14250	903	16	the	the	DET
cblr-14250	903	17	california	california	PROPN
cblr-14250	903	18	-	-	PUNCT
cblr-14250	903	19	based	base	VERB
cblr-14250	903	20	bank	bank	PROPN
cblr-14250	903	21	of	of	ADP
cblr-14250	903	22	america	america	PROPN
cblr-14250	903	23	(	(	PUNCT
cblr-14250	903	24	formerly	formerly	ADV
cblr-14250	903	25	the	the	DET
cblr-14250	903	26	bank	bank	PROPN
cblr-14250	903	27	of	of	ADP
cblr-14250	903	28	italy	italy	PROPN
cblr-14250	903	29	)	)	PUNCT
cblr-14250	903	30	,	,	PUNCT
cblr-14250	903	31	as	as	ADV
cblr-14250	903	32	well	well	ADV
cblr-14250	903	33	as	as	ADP
cblr-14250	903	34	banks	bank	NOUN
cblr-14250	903	35	in	in	ADP
cblr-14250	903	36	new	new	PROPN
cblr-14250	903	37	york	york	PROPN
cblr-14250	903	38	,	,	PUNCT
cblr-14250	903	39	washington	washington	PROPN
cblr-14250	903	40	,	,	PUNCT
cblr-14250	903	41	oregon	oregon	PROPN
cblr-14250	903	42	,	,	PUNCT
cblr-14250	903	43	nevada	nevada	PROPN
cblr-14250	903	44	,	,	PUNCT
cblr-14250	903	45	and	and	CCONJ
cblr-14250	903	46	arizona	arizona	PROPN
cblr-14250	903	47	.	.	PUNCT
cblr-14250	904	1	transamerica	transamerica	PROPN
cblr-14250	904	2	aspired	aspired	PROPN
cblr-14250	904	3	,	,	PUNCT
cblr-14250	904	4	in	in	ADP
cblr-14250	904	5	giannini	giannini	PROPN
cblr-14250	904	6	’s	’s	PART
cblr-14250	904	7	words	word	NOUN
cblr-14250	904	8	,	,	PUNCT
cblr-14250	904	9	to	to	PART
cblr-14250	904	10	become	become	VERB
cblr-14250	904	11	a	a	DET
cblr-14250	904	12	financial	financial	ADJ
cblr-14250	904	13	services	service	NOUN
cblr-14250	904	14	“	"	PUNCT
cblr-14250	904	15	department	department	NOUN
cblr-14250	904	16	store	store	NOUN
cblr-14250	904	17	,	,	PUNCT
cblr-14250	904	18	”	"	PUNCT
cblr-14250	904	19	an	an	DET
cblr-14250	904	20	institution	institution	NOUN
cblr-14250	904	21	that	that	PRON
cblr-14250	904	22	could	could	AUX
cblr-14250	904	23	meet	meet	VERB
cblr-14250	904	24	any	any	DET
cblr-14250	904	25	customer	customer	NOUN
cblr-14250	904	26	’s	’s	PART
cblr-14250	904	27	financial	financial	ADJ
cblr-14250	904	28	needs	need	NOUN
cblr-14250	904	29	,	,	PUNCT
cblr-14250	904	30	no	no	ADV
cblr-14250	904	31	matter	matter	ADV
cblr-14250	904	32	the	the	DET
cblr-14250	904	33	customer	customer	NOUN
cblr-14250	904	34	or	or	CCONJ
cblr-14250	904	35	need	need	NOUN
cblr-14250	904	36	.	.	PUNCT
cblr-14250	905	1	to	to	PART
cblr-14250	905	2	meet	meet	VERB
cblr-14250	905	3	this	this	DET
cblr-14250	905	4	goal	goal	NOUN
cblr-14250	905	5	,	,	PUNCT
cblr-14250	905	6	giannini	giannini	PROPN
cblr-14250	905	7	acquired	acquire	VERB
cblr-14250	905	8	a	a	DET
cblr-14250	905	9	variety	variety	NOUN
cblr-14250	905	10	of	of	ADP
cblr-14250	905	11	disparate	disparate	ADJ
cblr-14250	905	12	financial	financial	ADJ
cblr-14250	905	13	actors	actor	NOUN
cblr-14250	905	14	,	,	PUNCT
cblr-14250	905	15	ranging	range	VERB
cblr-14250	905	16	from	from	ADP
cblr-14250	905	17	mortgage	mortgage	NOUN
cblr-14250	905	18	originators	originator	NOUN
cblr-14250	905	19	,	,	PUNCT
cblr-14250	905	20	insurance	insurance	NOUN
cblr-14250	905	21	companies	company	NOUN
cblr-14250	905	22	,	,	PUNCT
cblr-14250	905	23	and	and	CCONJ
cblr-14250	905	24	investment	investment	NOUN
cblr-14250	905	25	brokerages	brokerage	NOUN
cblr-14250	905	26	.	.	PUNCT
cblr-14250	906	1	for	for	ADP
cblr-14250	906	2	good	good	ADJ
cblr-14250	906	3	measure	measure	NOUN
cblr-14250	906	4	,	,	PUNCT
cblr-14250	906	5	transamerica	transamerica	PROPN
cblr-14250	906	6	also	also	ADV
cblr-14250	906	7	owned	own	VERB
cblr-14250	906	8	a	a	DET
cblr-14250	906	9	salmon	salmon	NOUN
cblr-14250	906	10	cannery	cannery	NOUN
cblr-14250	906	11	,	,	PUNCT
cblr-14250	906	12	an	an	DET
cblr-14250	906	13	oil	oil	NOUN
cblr-14250	906	14	and	and	CCONJ
cblr-14250	906	15	gas	gas	NOUN
cblr-14250	906	16	prospecting	prospect	VERB
cblr-14250	906	17	company	company	NOUN
cblr-14250	906	18	,	,	PUNCT
cblr-14250	906	19	and	and	CCONJ
cblr-14250	906	20	a	a	DET
cblr-14250	906	21	metal	metal	NOUN
cblr-14250	906	22	forging	forging	NOUN
cblr-14250	906	23	business	business	NOUN
cblr-14250	906	24	.	.	PUNCT
cblr-14250	907	1	“	"	PUNCT
cblr-14250	907	2	this	this	DET
cblr-14250	907	3	company	company	NOUN
cblr-14250	907	4	,	,	PUNCT
cblr-14250	907	5	”	"	PUNCT
cblr-14250	907	6	james	james	PROPN
cblr-14250	907	7	bonbright	bonbright	PROPN
cblr-14250	907	8	and	and	CCONJ
cblr-14250	907	9	gardiner	gardiner	PROPN
cblr-14250	907	10	means	mean	NOUN
cblr-14250	907	11	wrote	write	VERB
cblr-14250	907	12	in	in	ADP
cblr-14250	907	13	their	their	PRON
cblr-14250	907	14	1932	1932	NUM
cblr-14250	907	15	treatise	treatise	NOUN
cblr-14250	907	16	on	on	ADP
cblr-14250	907	17	holding	hold	VERB
cblr-14250	907	18	companies	company	NOUN
cblr-14250	907	19	,	,	PUNCT
cblr-14250	907	20	“	"	PUNCT
cblr-14250	907	21	has	have	VERB
cblr-14250	907	22	an	an	DET
cblr-14250	907	23	intercorporate	intercorporate	ADJ
cblr-14250	907	24	structure	structure	NOUN
cblr-14250	907	25	so	so	ADV
cblr-14250	907	26	ramified	ramify	VERB
cblr-14250	907	27	as	as	SCONJ
cblr-14250	907	28	almost	almost	ADV
cblr-14250	907	29	to	to	PART
cblr-14250	907	30	pass	pass	VERB
cblr-14250	907	31	beyond	beyond	ADP
cblr-14250	907	32	the	the	DET
cblr-14250	907	33	bounds	bound	NOUN
cblr-14250	907	34	of	of	ADP
cblr-14250	907	35	comprehension	comprehension	NOUN
cblr-14250	907	36	.	.	PUNCT
cblr-14250	907	37	”153	”153	NOUN
cblr-14250	908	1	by	by	ADP
cblr-14250	908	2	the	the	DET
cblr-14250	908	3	late	late	ADJ
cblr-14250	908	4	1940s	1940	NOUN
cblr-14250	908	5	,	,	PUNCT
cblr-14250	908	6	transamerica	transamerica	PROPN
cblr-14250	908	7	presented	present	VERB
cblr-14250	908	8	,	,	PUNCT
cblr-14250	908	9	according	accord	VERB
cblr-14250	908	10	to	to	ADP
cblr-14250	908	11	the	the	DET
cblr-14250	908	12	fed	fed	PROPN
cblr-14250	908	13	,	,	PUNCT
cblr-14250	908	14	what	what	PRON
cblr-14250	908	15	today	today	NOUN
cblr-14250	908	16	we	we	PRON
cblr-14250	908	17	would	would	AUX
cblr-14250	908	18	call	call	VERB
cblr-14250	908	19	a	a	DET
cblr-14250	908	20	systemic	systemic	ADJ
cblr-14250	908	21	risk	risk	NOUN
cblr-14250	908	22	to	to	ADP
cblr-14250	908	23	the	the	DET
cblr-14250	908	24	financial	financial	ADJ
cblr-14250	908	25	system	system	NOUN
cblr-14250	908	26	.	.	PUNCT
cblr-14250	909	1	eccles	eccles	PROPN
cblr-14250	909	2	had	have	AUX
cblr-14250	909	3	initially	initially	ADV
cblr-14250	909	4	been	be	AUX
cblr-14250	909	5	sympathetic	sympathetic	ADJ
cblr-14250	909	6	to	to	ADP
cblr-14250	909	7	the	the	DET
cblr-14250	909	8	giannini	giannini	PROPN
cblr-14250	909	9	banking	banking	NOUN
cblr-14250	909	10	interests.154	interests.154	PROPN
cblr-14250	909	11	but	but	CCONJ
cblr-14250	909	12	their	their	PRON
cblr-14250	909	13	relationship	relationship	NOUN
cblr-14250	909	14	soured	sour	VERB
cblr-14250	909	15	152	152	NUM
cblr-14250	909	16	see	see	NOUN
cblr-14250	909	17	marriner	marriner	PROPN
cblr-14250	909	18	s.	s.	PROPN
cblr-14250	909	19	eccles	eccles	PROPN
cblr-14250	909	20	,	,	PUNCT
cblr-14250	909	21	beckoning	beckon	VERB
cblr-14250	909	22	frontiers	frontier	NOUN
cblr-14250	909	23	:	:	PUNCT
cblr-14250	909	24	public	public	ADJ
cblr-14250	909	25	and	and	CCONJ
cblr-14250	909	26	personal	personal	ADJ
cblr-14250	909	27	recollections	recollection	NOUN
cblr-14250	909	28	41–50	41–50	NUM
cblr-14250	909	29	(	(	PUNCT
cblr-14250	909	30	1951	1951	NUM
cblr-14250	909	31	)	)	PUNCT
cblr-14250	909	32	.	.	PUNCT
cblr-14250	910	1	153	153	NUM
cblr-14250	910	2	see	see	VERB
cblr-14250	910	3	james	james	PROPN
cblr-14250	910	4	c.	c.	PROPN
cblr-14250	910	5	bonbright	bonbright	PROPN
cblr-14250	910	6	&	&	CCONJ
cblr-14250	910	7	gardiner	gardiner	PROPN
cblr-14250	910	8	c.	c.	PROPN
cblr-14250	910	9	means	mean	VERB
cblr-14250	910	10	,	,	PUNCT
cblr-14250	910	11	the	the	DET
cblr-14250	910	12	holding	hold	VERB
cblr-14250	910	13	company	company	NOUN
cblr-14250	910	14	:	:	PUNCT
cblr-14250	910	15	its	its	PRON
cblr-14250	910	16	public	public	ADJ
cblr-14250	910	17	significance	significance	NOUN
cblr-14250	910	18	and	and	CCONJ
cblr-14250	910	19	its	its	PRON
cblr-14250	910	20	regulation	regulation	NOUN
cblr-14250	910	21	333	333	NUM
cblr-14250	910	22	(	(	PUNCT
cblr-14250	910	23	1932	1932	NUM
cblr-14250	910	24	)	)	PUNCT
cblr-14250	910	25	;	;	PUNCT
cblr-14250	910	26	see	see	VERB
cblr-14250	910	27	also	also	ADV
cblr-14250	910	28	branch	branch	NOUN
cblr-14250	910	29	,	,	PUNCT
cblr-14250	910	30	chain	chain	NOUN
cblr-14250	910	31	,	,	PUNCT
cblr-14250	910	32	and	and	CCONJ
cblr-14250	910	33	group	group	NOUN
cblr-14250	910	34	banking	banking	NOUN
cblr-14250	910	35	:	:	PUNCT
cblr-14250	910	36	hearings	hearing	NOUN
cblr-14250	910	37	before	before	ADP
cblr-14250	910	38	the	the	DET
cblr-14250	910	39	h.	h.	PROPN
cblr-14250	910	40	comm	comm	NOUN
cblr-14250	910	41	.	.	PUNCT
cblr-14250	911	1	on	on	ADP
cblr-14250	911	2	banking	banking	NOUN
cblr-14250	911	3	and	and	CCONJ
cblr-14250	911	4	currency	currency	NOUN
cblr-14250	911	5	,	,	PUNCT
cblr-14250	911	6	71st	71st	ADJ
cblr-14250	911	7	cong	cong	NOUN
cblr-14250	911	8	.	.	PUNCT
cblr-14250	912	1	1545	1545	NUM
cblr-14250	912	2	(	(	PUNCT
cblr-14250	912	3	1930	1930	NUM
cblr-14250	912	4	)	)	PUNCT
cblr-14250	912	5	(	(	PUNCT
cblr-14250	912	6	statement	statement	NOUN
cblr-14250	912	7	of	of	ADP
cblr-14250	912	8	a.	a.	PROPN
cblr-14250	912	9	p.	p.	PROPN
cblr-14250	912	10	giannini	giannini	PROPN
cblr-14250	912	11	)	)	PUNCT
cblr-14250	912	12	;	;	PUNCT
cblr-14250	912	13	transamerica	transamerica	PROPN
cblr-14250	912	14	--	--	PUNCT
cblr-14250	912	15	the	the	DET
cblr-14250	912	16	bankholding	bankholde	VERB
cblr-14250	912	17	company	company	NOUN
cblr-14250	912	18	problem	problem	NOUN
cblr-14250	912	19	,	,	PUNCT
cblr-14250	912	20	1	1	NUM
cblr-14250	912	21	stan	stan	PROPN
cblr-14250	912	22	.	.	PUNCT
cblr-14250	913	1	l.	l.	PROPN
cblr-14250	913	2	rev	rev	PROPN
cblr-14250	913	3	.	.	PROPN
cblr-14250	914	1	658	658	NUM
cblr-14250	914	2	(	(	PUNCT
cblr-14250	914	3	1949	1949	NUM
cblr-14250	914	4	)	)	PUNCT
cblr-14250	914	5	;	;	PUNCT
cblr-14250	914	6	bank	bank	NOUN
cblr-14250	914	7	holding	hold	VERB
cblr-14250	914	8	bill	bill	NOUN
cblr-14250	914	9	:	:	PUNCT
cblr-14250	914	10	hearings	hearing	NOUN
cblr-14250	914	11	before	before	ADP
cblr-14250	914	12	a	a	DET
cblr-14250	914	13	subcommittee	subcommittee	NOUN
cblr-14250	914	14	of	of	ADP
cblr-14250	914	15	the	the	DET
cblr-14250	914	16	s.	s.	PROPN
cblr-14250	914	17	comm	comm	NOUN
cblr-14250	914	18	.	.	PUNCT
cblr-14250	915	1	on	on	ADP
cblr-14250	915	2	banking	banking	NOUN
cblr-14250	915	3	and	and	CCONJ
cblr-14250	915	4	currency	currency	NOUN
cblr-14250	915	5	,	,	PUNCT
cblr-14250	915	6	81st	81st	ADJ
cblr-14250	915	7	cong	cong	NOUN
cblr-14250	915	8	.	.	PUNCT
cblr-14250	916	1	193	193	NUM
cblr-14250	916	2	-	-	SYM
cblr-14250	916	3	094	094	NUM
cblr-14250	916	4	(	(	PUNCT
cblr-14250	916	5	1950	1950	NUM
cblr-14250	916	6	)	)	PUNCT
cblr-14250	916	7	(	(	PUNCT
cblr-14250	916	8	statement	statement	NOUN
cblr-14250	916	9	of	of	ADP
cblr-14250	916	10	w.	w.	PROPN
cblr-14250	916	11	l.	l.	PROPN
cblr-14250	916	12	andrews	andrews	PROPN
cblr-14250	916	13	,	,	PUNCT
cblr-14250	916	14	vice	vice	NOUN
cblr-14250	916	15	president	president	NOUN
cblr-14250	916	16	and	and	CCONJ
cblr-14250	916	17	treasurer	treasurer	NOUN
cblr-14250	916	18	,	,	PUNCT
cblr-14250	916	19	transamerica	transamerica	PROPN
cblr-14250	916	20	corp	corp	PROPN
cblr-14250	916	21	.	.	PROPN
cblr-14250	916	22	)	)	PUNCT
cblr-14250	916	23	.	.	PUNCT
cblr-14250	917	1	154	154	NUM
cblr-14250	917	2	eccles	eccle	NOUN
cblr-14250	917	3	was	be	AUX
cblr-14250	917	4	no	no	DET
cblr-14250	917	5	friend	friend	NOUN
cblr-14250	917	6	to	to	ADP
cblr-14250	917	7	small	small	ADJ
cblr-14250	917	8	banks	bank	NOUN
cblr-14250	917	9	.	.	PUNCT
cblr-14250	918	1	writing	write	VERB
cblr-14250	918	2	to	to	ADP
cblr-14250	918	3	roosevelt	roosevelt	PROPN
cblr-14250	918	4	in	in	ADP
cblr-14250	918	5	november	november	PROPN
cblr-14250	918	6	1936	1936	NUM
cblr-14250	918	7	,	,	PUNCT
cblr-14250	918	8	he	he	PRON
cblr-14250	918	9	railed	rail	VERB
cblr-14250	918	10	against	against	ADP
cblr-14250	918	11	their	their	PRON
cblr-14250	918	12	continued	continued	ADJ
cblr-14250	918	13	existence	existence	NOUN
cblr-14250	918	14	:	:	PUNCT
cblr-14250	918	15	“	"	PUNCT
cblr-14250	918	16	it	it	PRON
cblr-14250	918	17	is	be	AUX
cblr-14250	918	18	still	still	ADV
cblr-14250	918	19	possible	possible	ADJ
cblr-14250	918	20	for	for	ADP
cblr-14250	918	21	persons	person	NOUN
cblr-14250	918	22	who	who	PRON
cblr-14250	918	23	have	have	VERB
cblr-14250	918	24	no	no	DET
cblr-14250	918	25	198	198	NUM
cblr-14250	918	26	columbia	columbia	PROPN
cblr-14250	918	27	business	business	NOUN
cblr-14250	918	28	law	law	PROPN
cblr-14250	918	29	review	review	NOUN
cblr-14250	919	1	[	[	X
cblr-14250	919	2	vol	vol	NOUN
cblr-14250	919	3	.	.	PUNCT
cblr-14250	919	4	2025	2025	NUM
cblr-14250	919	5	due	due	ADJ
cblr-14250	919	6	in	in	ADP
cblr-14250	919	7	part	part	NOUN
cblr-14250	919	8	to	to	ADP
cblr-14250	919	9	the	the	DET
cblr-14250	919	10	problem	problem	NOUN
cblr-14250	919	11	of	of	ADP
cblr-14250	919	12	supervising	supervise	VERB
cblr-14250	919	13	the	the	DET
cblr-14250	919	14	giannini	giannini	NOUN
cblr-14250	919	15	empire.155	empire.155	ADP
cblr-14250	919	16	by	by	ADP
cblr-14250	919	17	1942	1942	NUM
cblr-14250	919	18	,	,	PUNCT
cblr-14250	919	19	transamerica	transamerica	PROPN
cblr-14250	919	20	threatened	threaten	VERB
cblr-14250	919	21	to	to	PART
cblr-14250	919	22	monopolize	monopolize	VERB
cblr-14250	919	23	,	,	PUNCT
cblr-14250	919	24	competence	competence	NOUN
cblr-14250	919	25	in	in	ADP
cblr-14250	919	26	banking	banking	NOUN
cblr-14250	919	27	to	to	PART
cblr-14250	919	28	open	open	VERB
cblr-14250	919	29	so	so	ADV
cblr-14250	919	30	-	-	PUNCT
cblr-14250	919	31	called	call	VERB
cblr-14250	919	32	banks	bank	NOUN
cblr-14250	919	33	,	,	PUNCT
cblr-14250	919	34	”	"	PUNCT
cblr-14250	919	35	the	the	DET
cblr-14250	919	36	fed	fed	PROPN
cblr-14250	919	37	chairman	chairman	NOUN
cblr-14250	919	38	complained	complain	VERB
cblr-14250	919	39	,	,	PUNCT
cblr-14250	919	40	which	which	PRON
cblr-14250	919	41	“	"	PUNCT
cblr-14250	919	42	are	be	AUX
cblr-14250	919	43	in	in	ADP
cblr-14250	919	44	reality	reality	NOUN
cblr-14250	919	45	nothing	nothing	PRON
cblr-14250	919	46	more	more	ADJ
cblr-14250	919	47	than	than	ADP
cblr-14250	919	48	pawn	pawn	NOUN
cblr-14250	919	49	shops	shop	NOUN
cblr-14250	919	50	.	.	PUNCT
cblr-14250	919	51	”	"	PUNCT
cblr-14250	920	1	these	these	DET
cblr-14250	920	2	“	"	PUNCT
cblr-14250	920	3	mushroom	mushroom	NOUN
cblr-14250	920	4	miscalled	miscall	VERB
cblr-14250	920	5	banks	bank	NOUN
cblr-14250	920	6	”	"	PUNCT
cblr-14250	920	7	he	he	PRON
cblr-14250	920	8	continued	continue	VERB
cblr-14250	920	9	,	,	PUNCT
cblr-14250	920	10	accounted	account	VERB
cblr-14250	920	11	for	for	ADP
cblr-14250	920	12	“	"	PUNCT
cblr-14250	920	13	the	the	DET
cblr-14250	920	14	greatest	great	ADJ
cblr-14250	920	15	holocaust	holocaust	NOUN
cblr-14250	920	16	of	of	ADP
cblr-14250	920	17	bank	bank	NOUN
cblr-14250	920	18	failures	failure	NOUN
cblr-14250	920	19	”	"	PUNCT
cblr-14250	920	20	causing	cause	VERB
cblr-14250	920	21	“	"	PUNCT
cblr-14250	920	22	the	the	DET
cblr-14250	920	23	greatest	great	ADJ
cblr-14250	920	24	losses	loss	NOUN
cblr-14250	920	25	and	and	CCONJ
cblr-14250	920	26	misery	misery	NOUN
cblr-14250	920	27	among	among	ADP
cblr-14250	920	28	their	their	PRON
cblr-14250	920	29	depositors	depositor	NOUN
cblr-14250	920	30	and	and	CCONJ
cblr-14250	920	31	”	"	PUNCT
cblr-14250	920	32	bringing	bring	VERB
cblr-14250	920	33	“	"	PUNCT
cblr-14250	920	34	a	a	DET
cblr-14250	920	35	large	large	ADJ
cblr-14250	920	36	share	share	NOUN
cblr-14250	920	37	of	of	ADP
cblr-14250	920	38	discredit	discredit	NOUN
cblr-14250	920	39	down	down	ADP
cblr-14250	920	40	upon	upon	SCONJ
cblr-14250	920	41	the	the	DET
cblr-14250	920	42	heads	head	NOUN
cblr-14250	920	43	of	of	ADP
cblr-14250	920	44	bankers	banker	NOUN
cblr-14250	920	45	generally	generally	ADV
cblr-14250	920	46	.	.	PUNCT
cblr-14250	920	47	”	"	PUNCT
cblr-14250	921	1	worse	bad	ADJ
cblr-14250	921	2	,	,	PUNCT
cblr-14250	921	3	“	"	PUNCT
cblr-14250	921	4	through	through	ADP
cblr-14250	921	5	their	their	PRON
cblr-14250	921	6	various	various	ADJ
cblr-14250	921	7	associations	association	NOUN
cblr-14250	921	8	groups	group	NOUN
cblr-14250	921	9	of	of	ADP
cblr-14250	921	10	these	these	DET
cblr-14250	921	11	so	so	ADV
cblr-14250	921	12	-	-	PUNCT
cblr-14250	921	13	called	call	VERB
cblr-14250	921	14	independent	independent	ADJ
cblr-14250	921	15	bankers	banker	NOUN
cblr-14250	921	16	have	have	AUX
cblr-14250	921	17	been	be	AUX
cblr-14250	921	18	the	the	DET
cblr-14250	921	19	most	most	ADV
cblr-14250	921	20	implacable	implacable	ADJ
cblr-14250	921	21	foes	foe	NOUN
cblr-14250	921	22	of	of	ADP
cblr-14250	921	23	this	this	DET
cblr-14250	921	24	administration	administration	NOUN
cblr-14250	921	25	.	.	PUNCT
cblr-14250	921	26	”	"	PUNCT
cblr-14250	922	1	nevertheless	nevertheless	ADV
cblr-14250	922	2	,	,	PUNCT
cblr-14250	922	3	eccles	eccles	PROPN
cblr-14250	922	4	came	come	VERB
cblr-14250	922	5	to	to	PART
cblr-14250	922	6	recognize	recognize	VERB
cblr-14250	922	7	that	that	DET
cblr-14250	922	8	monopoly	monopoly	NOUN
cblr-14250	922	9	power	power	NOUN
cblr-14250	922	10	on	on	ADP
cblr-14250	922	11	the	the	DET
cblr-14250	922	12	other	other	ADJ
cblr-14250	922	13	side	side	NOUN
cblr-14250	922	14	of	of	ADP
cblr-14250	922	15	the	the	DET
cblr-14250	922	16	market	market	NOUN
cblr-14250	922	17	could	could	AUX
cblr-14250	922	18	also	also	ADV
cblr-14250	922	19	fundamentally	fundamentally	ADV
cblr-14250	922	20	undermine	undermine	VERB
cblr-14250	922	21	the	the	DET
cblr-14250	922	22	national	national	ADJ
cblr-14250	922	23	banking	banking	NOUN
cblr-14250	922	24	structure	structure	NOUN
cblr-14250	922	25	.	.	PUNCT
cblr-14250	923	1	memorandum	memorandum	NOUN
cblr-14250	923	2	from	from	ADP
cblr-14250	923	3	marriner	marriner	PROPN
cblr-14250	923	4	eccles	eccles	PROPN
cblr-14250	923	5	to	to	ADP
cblr-14250	923	6	franklin	franklin	PROPN
cblr-14250	923	7	roosevelt	roosevelt	PROPN
cblr-14250	923	8	(	(	PUNCT
cblr-14250	923	9	nov	nov	PROPN
cblr-14250	923	10	.	.	PROPN
cblr-14250	923	11	12	12	NUM
cblr-14250	923	12	,	,	PUNCT
cblr-14250	923	13	1936	1936	NUM
cblr-14250	923	14	)	)	PUNCT
cblr-14250	923	15	(	(	PUNCT
cblr-14250	923	16	on	on	ADP
cblr-14250	923	17	file	file	NOUN
cblr-14250	923	18	with	with	ADP
cblr-14250	923	19	univ	univ	PROPN
cblr-14250	923	20	.	.	PROPN
cblr-14250	923	21	of	of	ADP
cblr-14250	923	22	utah	utah	PROPN
cblr-14250	923	23	,	,	PUNCT
cblr-14250	923	24	marriner	marriner	PROPN
cblr-14250	923	25	s.	s.	PROPN
cblr-14250	923	26	eccles	eccles	PROPN
cblr-14250	923	27	papers	papers	PROPN
cblr-14250	923	28	,	,	PUNCT
cblr-14250	923	29	box	box	PROPN
cblr-14250	923	30	5	5	NUM
cblr-14250	923	31	,	,	PUNCT
cblr-14250	923	32	folder	folder	NOUN
cblr-14250	923	33	6	6	NUM
cblr-14250	923	34	)	)	PUNCT
cblr-14250	923	35	,	,	PUNCT
cblr-14250	923	36	https://fraser.stlouisfed.org/archivalcollection/marriner-s-eccles-papers-1343/memorandumpresident-468480	https://fraser.stlouisfed.org/archivalcollection/marriner-s-eccles-papers-1343/memorandumpresident-468480	PROPN
cblr-14250	924	1	[	[	X
cblr-14250	924	2	https://perma.cc/vsy8-h9m5	https://perma.cc/vsy8-h9m5	X
cblr-14250	924	3	]	]	X
cblr-14250	924	4	.	.	PUNCT
cblr-14250	925	1	155	155	NUM
cblr-14250	925	2	the	the	DET
cblr-14250	925	3	conflicts	conflict	NOUN
cblr-14250	925	4	between	between	ADP
cblr-14250	925	5	giannini	giannini	PROPN
cblr-14250	925	6	and	and	CCONJ
cblr-14250	925	7	the	the	DET
cblr-14250	925	8	supervisory	supervisory	ADJ
cblr-14250	925	9	authorities	authority	NOUN
cblr-14250	925	10	at	at	ADP
cblr-14250	925	11	the	the	DET
cblr-14250	925	12	state	state	NOUN
cblr-14250	925	13	and	and	CCONJ
cblr-14250	925	14	federal	federal	ADJ
cblr-14250	925	15	level	level	NOUN
cblr-14250	925	16	ran	run	VERB
cblr-14250	925	17	over	over	ADP
cblr-14250	925	18	decades	decade	NOUN
cblr-14250	925	19	.	.	PUNCT
cblr-14250	926	1	for	for	ADP
cblr-14250	926	2	the	the	DET
cblr-14250	926	3	roots	root	NOUN
cblr-14250	926	4	of	of	ADP
cblr-14250	926	5	this	this	DET
cblr-14250	926	6	specific	specific	ADJ
cblr-14250	926	7	conflict	conflict	NOUN
cblr-14250	926	8	,	,	PUNCT
cblr-14250	926	9	see	see	VERB
cblr-14250	926	10	leo	leo	PROPN
cblr-14250	926	11	crowley	crowley	PROPN
cblr-14250	926	12	,	,	PUNCT
cblr-14250	926	13	notes	note	NOUN
cblr-14250	926	14	concerning	concern	VERB
cblr-14250	926	15	the	the	DET
cblr-14250	926	16	bank	bank	PROPN
cblr-14250	926	17	of	of	ADP
cblr-14250	926	18	america	america	PROPN
cblr-14250	926	19	national	national	PROPN
cblr-14250	926	20	trust	trust	PROPN
cblr-14250	926	21	and	and	CCONJ
cblr-14250	926	22	savings	saving	NOUN
cblr-14250	926	23	association	association	NOUN
cblr-14250	926	24	(	(	PUNCT
cblr-14250	926	25	oct	oct	PROPN
cblr-14250	926	26	.	.	PROPN
cblr-14250	926	27	22	22	NUM
cblr-14250	926	28	,	,	PUNCT
cblr-14250	926	29	1937	1937	NUM
cblr-14250	926	30	)	)	PUNCT
cblr-14250	926	31	,	,	PUNCT
cblr-14250	926	32	354	354	NUM
cblr-14250	926	33	morgenthau	morgenthau	NOUN
cblr-14250	926	34	diaries	diary	NOUN
cblr-14250	926	35	,	,	PUNCT
cblr-14250	926	36	https://fraser.stlouisfed.org/archival-collection/diaries-henrymorgenthau-jr-6880/volume-354-634932	https://fraser.stlouisfed.org/archival-collection/diaries-henrymorgenthau-jr-6880/volume-354-634932	VERB
cblr-14250	927	1	[	[	X
cblr-14250	927	2	https://perma.cc/xvt5-vbs9	https://perma.cc/xvt5-vbs9	X
cblr-14250	927	3	]	]	X
cblr-14250	927	4	;	;	PUNCT
cblr-14250	927	5	statement	statement	NOUN
cblr-14250	927	6	of	of	ADP
cblr-14250	927	7	the	the	DET
cblr-14250	927	8	reserve	reserve	PROPN
cblr-14250	927	9	board	board	PROPN
cblr-14250	927	10	relating	relate	VERB
cblr-14250	927	11	to	to	ADP
cblr-14250	927	12	certain	certain	ADJ
cblr-14250	927	13	views	view	NOUN
cblr-14250	927	14	expressed	express	VERB
cblr-14250	927	15	at	at	ADP
cblr-14250	927	16	the	the	DET
cblr-14250	927	17	conference	conference	NOUN
cblr-14250	927	18	in	in	ADP
cblr-14250	927	19	the	the	DET
cblr-14250	927	20	office	office	NOUN
cblr-14250	927	21	of	of	ADP
cblr-14250	927	22	the	the	DET
cblr-14250	927	23	secretary	secretary	NOUN
cblr-14250	927	24	of	of	ADP
cblr-14250	927	25	the	the	DET
cblr-14250	927	26	treasury	treasury	NOUN
cblr-14250	927	27	on	on	ADP
cblr-14250	927	28	jan	jan	PROPN
cblr-14250	927	29	.	.	PROPN
cblr-14250	927	30	21	21	NUM
cblr-14250	927	31	,	,	PUNCT
cblr-14250	927	32	1941	1941	NUM
cblr-14250	927	33	(	(	PUNCT
cblr-14250	927	34	mar	mar	PROPN
cblr-14250	927	35	.	.	PROPN
cblr-14250	927	36	14	14	NUM
cblr-14250	927	37	,	,	PUNCT
cblr-14250	927	38	1941	1941	NUM
cblr-14250	927	39	)	)	PUNCT
cblr-14250	927	40	(	(	PUNCT
cblr-14250	927	41	on	on	ADP
cblr-14250	927	42	file	file	NOUN
cblr-14250	927	43	with	with	ADP
cblr-14250	927	44	univ	univ	PROPN
cblr-14250	927	45	.	.	PROPN
cblr-14250	927	46	of	of	ADP
cblr-14250	927	47	utah	utah	PROPN
cblr-14250	927	48	,	,	PUNCT
cblr-14250	927	49	marriner	marriner	PROPN
cblr-14250	927	50	s.	s.	PROPN
cblr-14250	927	51	eccles	eccles	PROPN
cblr-14250	927	52	papers	papers	PROPN
cblr-14250	927	53	,	,	PUNCT
cblr-14250	927	54	box	box	PROPN
cblr-14250	927	55	17	17	NUM
cblr-14250	927	56	,	,	PUNCT
cblr-14250	927	57	folder	folder	NOUN
cblr-14250	927	58	5	5	NUM
cblr-14250	927	59	)	)	PUNCT
cblr-14250	927	60	,	,	PUNCT
cblr-14250	927	61	https://fraser.stlouisfed.org/archivalcollection/marriner-s-eccles-papers-1343/statement-reserveboard-relating-certain-views-expressed-conference-officesecretary-treasury-january-21-1941-466321	https://fraser.stlouisfed.org/archivalcollection/marriner-s-eccles-papers-1343/statement-reserveboard-relating-certain-views-expressed-conference-officesecretary-treasury-january-21-1941-466321	PROPN
cblr-14250	928	1	[	[	X
cblr-14250	928	2	https://perma.cc/al5k-sybg	https://perma.cc/al5k-sybg	X
cblr-14250	928	3	]	]	X
cblr-14250	928	4	;	;	PUNCT
cblr-14250	928	5	letter	letter	NOUN
cblr-14250	928	6	from	from	ADP
cblr-14250	928	7	a.p	a.p	PROPN
cblr-14250	928	8	.	.	PROPN
cblr-14250	928	9	giannini	giannini	PROPN
cblr-14250	928	10	to	to	ADP
cblr-14250	928	11	marriner	marriner	PROPN
cblr-14250	928	12	ecceles	ecceles	PROPN
cblr-14250	928	13	(	(	PUNCT
cblr-14250	928	14	aug	aug	PROPN
cblr-14250	928	15	.	.	PROPN
cblr-14250	928	16	17	17	NUM
cblr-14250	928	17	,	,	PUNCT
cblr-14250	928	18	1942	1942	NUM
cblr-14250	928	19	)	)	PUNCT
cblr-14250	928	20	(	(	PUNCT
cblr-14250	928	21	on	on	ADP
cblr-14250	928	22	file	file	NOUN
cblr-14250	928	23	with	with	ADP
cblr-14250	928	24	univ	univ	PROPN
cblr-14250	928	25	.	.	PROPN
cblr-14250	928	26	of	of	ADP
cblr-14250	928	27	utah	utah	PROPN
cblr-14250	928	28	,	,	PUNCT
cblr-14250	928	29	marriner	marriner	PROPN
cblr-14250	928	30	s.	s.	PROPN
cblr-14250	928	31	eccles	eccles	PROPN
cblr-14250	928	32	papers	papers	PROPN
cblr-14250	928	33	,	,	PUNCT
cblr-14250	928	34	box	box	PROPN
cblr-14250	928	35	19	19	NUM
cblr-14250	928	36	,	,	PUNCT
cblr-14250	928	37	folder	folder	NOUN
cblr-14250	928	38	5	5	NUM
cblr-14250	928	39	)	)	PUNCT
cblr-14250	928	40	,	,	PUNCT
cblr-14250	928	41	https://fraser.stlouisfed.org/archival-collection/marriner-seccles-papers-1343/group-1-transamerica-correspondence459761	https://fraser.stlouisfed.org/archival-collection/marriner-seccles-papers-1343/group-1-transamerica-correspondence459761	VERB
cblr-14250	928	42	[	[	X
cblr-14250	928	43	https://perma.cc/uy84-c482	https://perma.cc/uy84-c482	X
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cblr-14250	928	45	.	.	PUNCT
cblr-14250	929	1	for	for	ADP
cblr-14250	929	2	supervisory	supervisory	ADJ
cblr-14250	929	3	conflict	conflict	NOUN
cblr-14250	929	4	in	in	ADP
cblr-14250	929	5	general	general	ADJ
cblr-14250	929	6	,	,	PUNCT
cblr-14250	929	7	see	see	VERB
cblr-14250	929	8	marquis	marquis	PROPN
cblr-14250	929	9	james	james	PROPN
cblr-14250	929	10	&	&	CCONJ
cblr-14250	929	11	bessie	bessie	PROPN
cblr-14250	929	12	r.	r.	PROPN
cblr-14250	929	13	james	james	PROPN
cblr-14250	929	14	,	,	PUNCT
cblr-14250	929	15	biography	biography	NOUN
cblr-14250	929	16	of	of	ADP
cblr-14250	929	17	a	a	DET
cblr-14250	929	18	bank	bank	NOUN
cblr-14250	929	19	:	:	PUNCT
cblr-14250	929	20	the	the	DET
cblr-14250	929	21	story	story	NOUN
cblr-14250	929	22	of	of	ADP
cblr-14250	929	23	bank	bank	PROPN
cblr-14250	929	24	of	of	ADP
cblr-14250	929	25	america	america	PROPN
cblr-14250	929	26	(	(	PUNCT
cblr-14250	929	27	1954	1954	NUM
cblr-14250	929	28	)	)	PUNCT
cblr-14250	929	29	.	.	PUNCT
cblr-14250	930	1	no	no	INTJ
cblr-14250	930	2	.	.	NOUN
cblr-14250	930	3	1	1	NUM
cblr-14250	930	4	]	]	PUNCT
cblr-14250	930	5	risk	risk	NOUN
cblr-14250	930	6	,	,	PUNCT
cblr-14250	930	7	discretion	discretion	NOUN
cblr-14250	930	8	,	,	PUNCT
cblr-14250	930	9	and	and	CCONJ
cblr-14250	930	10	bank	bank	NOUN
cblr-14250	930	11	supervision	supervision	NOUN
cblr-14250	930	12	199	199	NUM
cblr-14250	930	13	as	as	SCONJ
cblr-14250	930	14	eccles	eccles	PROPN
cblr-14250	930	15	recalled	recall	VERB
cblr-14250	930	16	,	,	PUNCT
cblr-14250	930	17	“	"	PUNCT
cblr-14250	930	18	a	a	DET
cblr-14250	930	19	good	good	ADJ
cblr-14250	930	20	part	part	NOUN
cblr-14250	930	21	of	of	ADP
cblr-14250	930	22	the	the	DET
cblr-14250	930	23	banking	banking	NOUN
cblr-14250	930	24	business	business	NOUN
cblr-14250	930	25	of	of	ADP
cblr-14250	930	26	the	the	DET
cblr-14250	930	27	western	western	ADJ
cblr-14250	930	28	seaboard	seaboard	NOUN
cblr-14250	930	29	.	.	PUNCT
cblr-14250	931	1	”156	”156	PROPN
cblr-14250	931	2	other	other	ADJ
cblr-14250	931	3	banking	banking	NOUN
cblr-14250	931	4	supervisors	supervisor	NOUN
cblr-14250	931	5	agreed	agree	VERB
cblr-14250	931	6	(	(	PUNCT
cblr-14250	931	7	and	and	CCONJ
cblr-14250	931	8	,	,	PUNCT
cblr-14250	931	9	given	give	VERB
cblr-14250	931	10	the	the	DET
cblr-14250	931	11	sheer	sheer	ADJ
cblr-14250	931	12	variety	variety	NOUN
cblr-14250	931	13	of	of	ADP
cblr-14250	931	14	financial	financial	ADJ
cblr-14250	931	15	institutions	institution	NOUN
cblr-14250	931	16	within	within	ADP
cblr-14250	931	17	the	the	DET
cblr-14250	931	18	transamerica	transamerica	PROPN
cblr-14250	931	19	family	family	NOUN
cblr-14250	931	20	,	,	PUNCT
cblr-14250	931	21	each	each	DET
cblr-14250	931	22	supervisor	supervisor	NOUN
cblr-14250	931	23	’s	’s	PART
cblr-14250	931	24	sign	sign	NOUN
cblr-14250	931	25	-	-	PUNCT
cblr-14250	931	26	off	off	NOUN
cblr-14250	931	27	was	be	AUX
cblr-14250	931	28	necessary	necessary	ADJ
cblr-14250	931	29	)	)	PUNCT
cblr-14250	931	30	.	.	PUNCT
cblr-14250	932	1	the	the	DET
cblr-14250	932	2	fed	fed	PROPN
cblr-14250	932	3	,	,	PUNCT
cblr-14250	932	4	the	the	DET
cblr-14250	932	5	comptroller	comptroller	NOUN
cblr-14250	932	6	,	,	PUNCT
cblr-14250	932	7	and	and	CCONJ
cblr-14250	932	8	the	the	DET
cblr-14250	932	9	fdic	fdic	PROPN
cblr-14250	932	10	thus	thus	ADV
cblr-14250	932	11	ordered	order	VERB
cblr-14250	932	12	transamerica	transamerica	PROPN
cblr-14250	932	13	to	to	PART
cblr-14250	932	14	stop	stop	VERB
cblr-14250	932	15	its	its	PRON
cblr-14250	932	16	acquisition	acquisition	NOUN
cblr-14250	932	17	spree.157	spree.157	PROPN
cblr-14250	932	18	giannini	giannini	PROPN
cblr-14250	932	19	ignored	ignore	VERB
cblr-14250	932	20	them	they	PRON
cblr-14250	932	21	and	and	CCONJ
cblr-14250	932	22	for	for	ADP
cblr-14250	932	23	good	good	ADJ
cblr-14250	932	24	legal	legal	ADJ
cblr-14250	932	25	reason	reason	NOUN
cblr-14250	932	26	.	.	PUNCT
cblr-14250	933	1	the	the	DET
cblr-14250	933	2	novelty	novelty	NOUN
cblr-14250	933	3	of	of	ADP
cblr-14250	933	4	his	his	PRON
cblr-14250	933	5	enterprise	enterprise	NOUN
cblr-14250	933	6	was	be	AUX
cblr-14250	933	7	such	such	ADJ
cblr-14250	933	8	that	that	SCONJ
cblr-14250	933	9	there	there	PRON
cblr-14250	933	10	was	be	VERB
cblr-14250	933	11	no	no	DET
cblr-14250	933	12	clear	clear	ADJ
cblr-14250	933	13	legal	legal	ADJ
cblr-14250	933	14	authority	authority	NOUN
cblr-14250	933	15	to	to	PART
cblr-14250	933	16	supervise	supervise	VERB
cblr-14250	933	17	holding	hold	VERB
cblr-14250	933	18	companies	company	NOUN
cblr-14250	933	19	at	at	ADV
cblr-14250	933	20	all	all	ADV
cblr-14250	933	21	.	.	PUNCT
cblr-14250	934	1	while	while	SCONJ
cblr-14250	934	2	the	the	DET
cblr-14250	934	3	institutionalization	institutionalization	NOUN
cblr-14250	934	4	of	of	ADP
cblr-14250	934	5	residual	residual	ADJ
cblr-14250	934	6	risk	risk	NOUN
cblr-14250	934	7	management	management	NOUN
cblr-14250	934	8	was	be	AUX
cblr-14250	934	9	well	well	ADV
cblr-14250	934	10	established	establish	VERB
cblr-14250	934	11	by	by	ADP
cblr-14250	934	12	1947	1947	NUM
cblr-14250	934	13	,	,	PUNCT
cblr-14250	934	14	the	the	DET
cblr-14250	934	15	primary	primary	ADJ
cblr-14250	934	16	legal	legal	ADJ
cblr-14250	934	17	tools	tool	NOUN
cblr-14250	934	18	of	of	ADP
cblr-14250	934	19	supervision	supervision	NOUN
cblr-14250	934	20	remained	remain	VERB
cblr-14250	934	21	chartering	chartering	NOUN
cblr-14250	934	22	,	,	PUNCT
cblr-14250	934	23	examination	examination	NOUN
cblr-14250	934	24	,	,	PUNCT
cblr-14250	934	25	and	and	CCONJ
cblr-14250	934	26	liquidation	liquidation	NOUN
cblr-14250	934	27	—	—	PUNCT
cblr-14250	934	28	of	of	ADP
cblr-14250	934	29	individual	individual	ADJ
cblr-14250	934	30	banks	bank	NOUN
cblr-14250	934	31	.	.	PUNCT
cblr-14250	935	1	the	the	DET
cblr-14250	935	2	fed	fed	PROPN
cblr-14250	935	3	sought	seek	VERB
cblr-14250	935	4	something	something	PRON
cblr-14250	935	5	very	very	ADV
cblr-14250	935	6	different	different	ADJ
cblr-14250	935	7	in	in	ADP
cblr-14250	935	8	this	this	DET
cblr-14250	935	9	order	order	NOUN
cblr-14250	935	10	.	.	PUNCT
cblr-14250	936	1	the	the	DET
cblr-14250	936	2	banking	banking	NOUN
cblr-14250	936	3	act	act	NOUN
cblr-14250	936	4	of	of	ADP
cblr-14250	936	5	1935	1935	NUM
cblr-14250	936	6	,	,	PUNCT
cblr-14250	936	7	which	which	PRON
cblr-14250	936	8	giannini	giannini	NOUN
cblr-14250	936	9	supported	support	VERB
cblr-14250	936	10	,	,	PUNCT
cblr-14250	936	11	authorized	authorize	VERB
cblr-14250	936	12	the	the	DET
cblr-14250	936	13	fed	fed	PROPN
cblr-14250	936	14	to	to	PART
cblr-14250	936	15	enforce	enforce	VERB
cblr-14250	936	16	the	the	DET
cblr-14250	936	17	clayton	clayton	PROPN
cblr-14250	936	18	act	act	PROPN
cblr-14250	936	19	’s	’s	PART
cblr-14250	936	20	provisions	provision	NOUN
cblr-14250	936	21	where	where	SCONJ
cblr-14250	936	22	they	they	PRON
cblr-14250	936	23	applied	apply	VERB
cblr-14250	936	24	to	to	ADP
cblr-14250	936	25	banks	bank	NOUN
cblr-14250	936	26	.	.	PUNCT
cblr-14250	937	1	the	the	DET
cblr-14250	937	2	fed	fed	PROPN
cblr-14250	937	3	argued	argue	VERB
cblr-14250	937	4	that	that	SCONJ
cblr-14250	937	5	transamerica	transamerica	PROPN
cblr-14250	937	6	’s	’s	PART
cblr-14250	937	7	position	position	NOUN
cblr-14250	937	8	in	in	ADP
cblr-14250	937	9	western	western	ADJ
cblr-14250	937	10	banking	banking	NOUN
cblr-14250	937	11	markets	market	NOUN
cblr-14250	937	12	in	in	ADP
cblr-14250	937	13	five	five	NUM
cblr-14250	937	14	states	state	NOUN
cblr-14250	937	15	constituted	constitute	VERB
cblr-14250	937	16	a	a	DET
cblr-14250	937	17	monopoly	monopoly	NOUN
cblr-14250	937	18	in	in	ADP
cblr-14250	937	19	violation	violation	NOUN
cblr-14250	937	20	of	of	ADP
cblr-14250	937	21	the	the	DET
cblr-14250	937	22	antitrust	antitrust	ADJ
cblr-14250	937	23	laws	law	NOUN
cblr-14250	937	24	.	.	PUNCT
cblr-14250	938	1	in	in	ADP
cblr-14250	938	2	1953	1953	NUM
cblr-14250	938	3	,	,	PUNCT
cblr-14250	938	4	the	the	DET
cblr-14250	938	5	u.s	u.s	PROPN
cblr-14250	938	6	.	.	PROPN
cblr-14250	938	7	court	court	PROPN
cblr-14250	938	8	of	of	ADP
cblr-14250	938	9	appeals	appeal	NOUN
cblr-14250	938	10	for	for	ADP
cblr-14250	938	11	the	the	DET
cblr-14250	938	12	third	third	ADJ
cblr-14250	938	13	circuit	circuit	NOUN
cblr-14250	938	14	overturned	overturn	VERB
cblr-14250	938	15	the	the	DET
cblr-14250	938	16	fed	fed	PROPN
cblr-14250	938	17	’s	’s	PART
cblr-14250	938	18	legal	legal	ADJ
cblr-14250	938	19	theory	theory	NOUN
cblr-14250	938	20	,	,	PUNCT
cblr-14250	938	21	essentially	essentially	ADV
cblr-14250	938	22	on	on	ADP
cblr-14250	938	23	purely	purely	ADV
cblr-14250	938	24	antitrust	antitrust	ADJ
cblr-14250	938	25	grounds	ground	NOUN
cblr-14250	938	26	.	.	PUNCT
cblr-14250	939	1	in	in	ADP
cblr-14250	939	2	essence	essence	NOUN
cblr-14250	939	3	,	,	PUNCT
cblr-14250	939	4	the	the	DET
cblr-14250	939	5	fed	fed	PROPN
cblr-14250	939	6	was	be	AUX
cblr-14250	939	7	defeated	defeat	VERB
cblr-14250	939	8	in	in	ADP
cblr-14250	939	9	its	its	PRON
cblr-14250	939	10	effort	effort	NOUN
cblr-14250	939	11	to	to	PART
cblr-14250	939	12	limit	limit	VERB
cblr-14250	939	13	the	the	DET
cblr-14250	939	14	concentration	concentration	NOUN
cblr-14250	939	15	of	of	ADP
cblr-14250	939	16	financial	financial	ADJ
cblr-14250	939	17	power	power	NOUN
cblr-14250	939	18	nationally	nationally	ADV
cblr-14250	939	19	by	by	ADP
cblr-14250	939	20	the	the	DET
cblr-14250	939	21	then	then	ADV
cblr-14250	939	22	widespread	widespread	ADJ
cblr-14250	939	23	belief	belief	NOUN
cblr-14250	939	24	that	that	SCONJ
cblr-14250	939	25	the	the	DET
cblr-14250	939	26	proper	proper	ADJ
cblr-14250	939	27	geographic	geographic	ADJ
cblr-14250	939	28	scope	scope	NOUN
cblr-14250	939	29	of	of	ADP
cblr-14250	939	30	banking	banking	NOUN
cblr-14250	939	31	was	be	AUX
cblr-14250	939	32	the	the	DET
cblr-14250	939	33	community.158	community.158	NOUN
cblr-14250	939	34	the	the	DET
cblr-14250	939	35	transamerica	transamerica	PROPN
cblr-14250	939	36	decision	decision	NOUN
cblr-14250	939	37	,	,	PUNCT
cblr-14250	939	38	although	although	SCONJ
cblr-14250	939	39	mostly	mostly	ADV
cblr-14250	939	40	forgotten	forget	VERB
cblr-14250	939	41	today	today	NOUN
cblr-14250	939	42	,	,	PUNCT
cblr-14250	939	43	played	play	VERB
cblr-14250	939	44	a	a	DET
cblr-14250	939	45	key	key	ADJ
cblr-14250	939	46	role	role	NOUN
cblr-14250	939	47	in	in	ADP
cblr-14250	939	48	spurring	spur	VERB
cblr-14250	939	49	a	a	DET
cblr-14250	939	50	series	series	NOUN
cblr-14250	939	51	of	of	ADP
cblr-14250	939	52	laws	law	NOUN
cblr-14250	939	53	that	that	PRON
cblr-14250	939	54	would	would	AUX
cblr-14250	939	55	make	make	VERB
cblr-14250	939	56	the	the	DET
cblr-14250	939	57	fed	fed	PROPN
cblr-14250	939	58	’s	’s	PART
cblr-14250	939	59	action	action	NOUN
cblr-14250	939	60	in	in	ADP
cblr-14250	939	61	that	that	DET
cblr-14250	939	62	case	case	NOUN
cblr-14250	939	63	legally	legally	ADV
cblr-14250	939	64	airtight	airtight	NOUN
cblr-14250	939	65	,	,	PUNCT
cblr-14250	939	66	including	include	VERB
cblr-14250	939	67	the	the	DET
cblr-14250	939	68	bank	bank	NOUN
cblr-14250	939	69	holding	hold	VERB
cblr-14250	939	70	company	company	NOUN
cblr-14250	939	71	act	act	NOUN
cblr-14250	939	72	of	of	ADP
cblr-14250	939	73	1956	1956	NUM
cblr-14250	939	74	(	(	PUNCT
cblr-14250	939	75	and	and	CCONJ
cblr-14250	939	76	its	its	PRON
cblr-14250	939	77	substantial	substantial	ADJ
cblr-14250	939	78	156	156	NUM
cblr-14250	939	79	see	see	NOUN
cblr-14250	939	80	eccles	eccle	NOUN
cblr-14250	939	81	,	,	PUNCT
cblr-14250	939	82	supra	supra	PROPN
cblr-14250	939	83	note	note	NOUN
cblr-14250	939	84	152	152	NUM
cblr-14250	939	85	,	,	PUNCT
cblr-14250	939	86	at	at	ADP
cblr-14250	939	87	443	443	NUM
cblr-14250	939	88	.	.	NOUN
cblr-14250	939	89	157	157	NUM
cblr-14250	939	90	letter	letter	NOUN
cblr-14250	939	91	from	from	ADP
cblr-14250	939	92	chester	chester	PROPN
cblr-14250	939	93	morrill	morrill	PROPN
cblr-14250	939	94	to	to	ADP
cblr-14250	939	95	transamerica	transamerica	PROPN
cblr-14250	939	96	corporation	corporation	PROPN
cblr-14250	939	97	(	(	PUNCT
cblr-14250	939	98	feb	feb	PROPN
cblr-14250	939	99	.	.	PROPN
cblr-14250	939	100	12	12	NUM
cblr-14250	939	101	,	,	PUNCT
cblr-14250	939	102	1942	1942	NUM
cblr-14250	939	103	)	)	PUNCT
cblr-14250	939	104	(	(	PUNCT
cblr-14250	939	105	on	on	ADP
cblr-14250	939	106	file	file	NOUN
cblr-14250	939	107	with	with	ADP
cblr-14250	939	108	univ	univ	PROPN
cblr-14250	939	109	.	.	PROPN
cblr-14250	939	110	of	of	ADP
cblr-14250	939	111	utah	utah	PROPN
cblr-14250	939	112	,	,	PUNCT
cblr-14250	939	113	marriner	marriner	PROPN
cblr-14250	939	114	s.	s.	PROPN
cblr-14250	939	115	eccles	eccles	PROPN
cblr-14250	939	116	papers	papers	PROPN
cblr-14250	939	117	,	,	PUNCT
cblr-14250	939	118	box	box	PROPN
cblr-14250	939	119	19	19	NUM
cblr-14250	939	120	,	,	PUNCT
cblr-14250	939	121	folder	folder	NOUN
cblr-14250	939	122	4	4	NUM
cblr-14250	939	123	)	)	PUNCT
cblr-14250	939	124	,	,	PUNCT
cblr-14250	939	125	https://fraser.stlouisfed.org/archival-collection/marriner-seccles-papers-1343/letter-transamerica-corporation-459762	https://fraser.stlouisfed.org/archival-collection/marriner-seccles-papers-1343/letter-transamerica-corporation-459762	PROPN
cblr-14250	940	1	[	[	X
cblr-14250	940	2	https://perma.cc/t6l9-vc2f	https://perma.cc/t6l9-vc2f	X
cblr-14250	940	3	]	]	PUNCT
cblr-14250	940	4	.	.	PUNCT
cblr-14250	941	1	158	158	NUM
cblr-14250	941	2	law	law	NOUN
cblr-14250	941	3	dep’t	dep’t	NOUN
cblr-14250	941	4	,	,	PUNCT
cblr-14250	941	5	fed	fed	PROPN
cblr-14250	941	6	.	.	PUNCT
cblr-14250	941	7	rsrv	rsrv	PROPN
cblr-14250	941	8	.	.	PUNCT
cblr-14250	942	1	sys	sys	PROPN
cblr-14250	942	2	.	.	PROPN
cblr-14250	942	3	,	,	PUNCT
cblr-14250	942	4	clayton	clayton	PROPN
cblr-14250	942	5	act	act	PROPN
cblr-14250	942	6	proceeding	proceeding	PROPN
cblr-14250	942	7	:	:	PUNCT
cblr-14250	943	1	transamerica	transamerica	PROPN
cblr-14250	943	2	corporation	corporation	PROPN
cblr-14250	943	3	,	,	PUNCT
cblr-14250	943	4	fed	fed	PROPN
cblr-14250	943	5	.	.	PUNCT
cblr-14250	943	6	rsrv	rsrv	PROPN
cblr-14250	943	7	.	.	PUNCT
cblr-14250	944	1	bull	bull	NOUN
cblr-14250	944	2	.	.	PUNCT
cblr-14250	945	1	368	368	NUM
cblr-14250	945	2	(	(	PUNCT
cblr-14250	945	3	apr	apr	PROPN
cblr-14250	945	4	.	.	PROPN
cblr-14250	945	5	1952	1952	NUM
cblr-14250	945	6	)	)	PUNCT
cblr-14250	945	7	;	;	PUNCT
cblr-14250	946	1	transamerica	transamerica	PROPN
cblr-14250	946	2	corp	corp	PROPN
cblr-14250	946	3	.	.	PROPN
cblr-14250	947	1	v.	v.	PROPN
cblr-14250	947	2	bd	bd	PROPN
cblr-14250	947	3	.	.	PROPN
cblr-14250	947	4	of	of	ADP
cblr-14250	947	5	governors	governor	NOUN
cblr-14250	947	6	of	of	ADP
cblr-14250	947	7	fed	fed	PROPN
cblr-14250	947	8	.	.	PUNCT
cblr-14250	948	1	rsrv	rsrv	PROPN
cblr-14250	948	2	.	.	PUNCT
cblr-14250	949	1	sys	sys	PROPN
cblr-14250	949	2	.	.	PROPN
cblr-14250	949	3	,	,	PUNCT
cblr-14250	949	4	206	206	NUM
cblr-14250	949	5	f.2d	f.2d	NOUN
cblr-14250	949	6	163	163	NUM
cblr-14250	949	7	,	,	PUNCT
cblr-14250	949	8	169	169	NUM
cblr-14250	949	9	(	(	PUNCT
cblr-14250	949	10	3d	3d	NUM
cblr-14250	949	11	cir	cir	NOUN
cblr-14250	949	12	.	.	PROPN
cblr-14250	950	1	1953	1953	NUM
cblr-14250	950	2	)	)	PUNCT
cblr-14250	950	3	.	.	PUNCT
cblr-14250	951	1	200	200	NUM
cblr-14250	951	2	columbia	columbia	PROPN
cblr-14250	951	3	business	business	NOUN
cblr-14250	951	4	law	law	PROPN
cblr-14250	951	5	review	review	NOUN
cblr-14250	951	6	[	[	X
cblr-14250	951	7	vol	vol	NOUN
cblr-14250	951	8	.	.	PUNCT
cblr-14250	951	9	2025	2025	NUM
cblr-14250	951	10	amendments	amendment	NOUN
cblr-14250	951	11	in	in	ADP
cblr-14250	951	12	1970	1970	NUM
cblr-14250	951	13	)	)	PUNCT
cblr-14250	951	14	and	and	CCONJ
cblr-14250	951	15	the	the	DET
cblr-14250	951	16	bank	bank	NOUN
cblr-14250	951	17	merger	merger	PROPN
cblr-14250	951	18	act	act	NOUN
cblr-14250	951	19	of	of	ADP
cblr-14250	951	20	1960	1960	NUM
cblr-14250	951	21	(	(	PUNCT
cblr-14250	951	22	and	and	CCONJ
cblr-14250	951	23	its	its	PRON
cblr-14250	951	24	substantial	substantial	ADJ
cblr-14250	951	25	amendments	amendment	NOUN
cblr-14250	951	26	in	in	ADP
cblr-14250	951	27	1966	1966	NUM
cblr-14250	951	28	)	)	PUNCT
cblr-14250	951	29	.	.	PUNCT
cblr-14250	952	1	the	the	DET
cblr-14250	952	2	acts	act	NOUN
cblr-14250	952	3	approached	approach	VERB
cblr-14250	952	4	the	the	DET
cblr-14250	952	5	same	same	ADJ
cblr-14250	952	6	problem	problem	NOUN
cblr-14250	952	7	(	(	PUNCT
cblr-14250	952	8	financial	financial	ADJ
cblr-14250	952	9	concentration	concentration	NOUN
cblr-14250	952	10	)	)	PUNCT
cblr-14250	952	11	from	from	ADP
cblr-14250	952	12	two	two	NUM
cblr-14250	952	13	different	different	ADJ
cblr-14250	952	14	directions	direction	NOUN
cblr-14250	952	15	.	.	PUNCT
cblr-14250	953	1	the	the	DET
cblr-14250	953	2	bank	bank	NOUN
cblr-14250	953	3	holding	hold	VERB
cblr-14250	953	4	company	company	NOUN
cblr-14250	953	5	act	act	NOUN
cblr-14250	953	6	and	and	CCONJ
cblr-14250	953	7	its	its	PRON
cblr-14250	953	8	amendments	amendment	NOUN
cblr-14250	953	9	were	be	AUX
cblr-14250	953	10	designed	design	VERB
cblr-14250	953	11	to	to	PART
cblr-14250	953	12	subject	subject	VERB
cblr-14250	953	13	bank	bank	NOUN
cblr-14250	953	14	holding	hold	VERB
cblr-14250	953	15	companies	company	NOUN
cblr-14250	953	16	to	to	ADP
cblr-14250	953	17	similar	similar	ADJ
cblr-14250	953	18	supervisory	supervisory	ADJ
cblr-14250	953	19	requirements	requirement	NOUN
cblr-14250	953	20	as	as	ADP
cblr-14250	953	21	banks	bank	NOUN
cblr-14250	953	22	,	,	PUNCT
cblr-14250	953	23	despite	despite	SCONJ
cblr-14250	953	24	the	the	DET
cblr-14250	953	25	lack	lack	NOUN
cblr-14250	953	26	of	of	ADP
cblr-14250	953	27	a	a	DET
cblr-14250	953	28	bank	bank	NOUN
cblr-14250	953	29	charter	charter	NOUN
cblr-14250	953	30	at	at	ADP
cblr-14250	953	31	the	the	DET
cblr-14250	953	32	level	level	NOUN
cblr-14250	953	33	of	of	ADP
cblr-14250	953	34	the	the	DET
cblr-14250	953	35	holding	hold	VERB
cblr-14250	953	36	company	company	NOUN
cblr-14250	953	37	.	.	PUNCT
cblr-14250	954	1	the	the	DET
cblr-14250	954	2	twin	twin	ADJ
cblr-14250	954	3	aims	aim	NOUN
cblr-14250	954	4	of	of	ADP
cblr-14250	954	5	holding	hold	VERB
cblr-14250	954	6	company	company	NOUN
cblr-14250	954	7	legislation	legislation	NOUN
cblr-14250	954	8	were	be	AUX
cblr-14250	954	9	to	to	PART
cblr-14250	954	10	prevent	prevent	VERB
cblr-14250	954	11	the	the	DET
cblr-14250	954	12	expansion	expansion	NOUN
cblr-14250	954	13	of	of	ADP
cblr-14250	954	14	holding	hold	VERB
cblr-14250	954	15	companies	company	NOUN
cblr-14250	954	16	such	such	ADJ
cblr-14250	954	17	as	as	ADP
cblr-14250	954	18	transamerica	transamerica	PROPN
cblr-14250	954	19	within	within	ADP
cblr-14250	954	20	gaps	gap	NOUN
cblr-14250	954	21	of	of	ADP
cblr-14250	954	22	the	the	DET
cblr-14250	954	23	supervisory	supervisory	ADJ
cblr-14250	954	24	system	system	NOUN
cblr-14250	954	25	and	and	CCONJ
cblr-14250	954	26	to	to	PART
cblr-14250	954	27	force	force	VERB
cblr-14250	954	28	these	these	DET
cblr-14250	954	29	holding	hold	VERB
cblr-14250	954	30	companies	company	NOUN
cblr-14250	954	31	to	to	PART
cblr-14250	954	32	divest	divest	VERB
cblr-14250	954	33	from	from	ADP
cblr-14250	954	34	nonbanking	nonbanke	VERB
cblr-14250	954	35	assets	asset	NOUN
cblr-14250	954	36	.	.	PUNCT
cblr-14250	955	1	the	the	DET
cblr-14250	955	2	point	point	NOUN
cblr-14250	955	3	was	be	AUX
cblr-14250	955	4	to	to	PART
cblr-14250	955	5	shore	shore	VERB
cblr-14250	955	6	up	up	ADP
cblr-14250	955	7	the	the	DET
cblr-14250	955	8	new	new	ADJ
cblr-14250	955	9	deal	deal	NOUN
cblr-14250	955	10	commitment	commitment	NOUN
cblr-14250	955	11	to	to	ADP
cblr-14250	955	12	separating	separate	VERB
cblr-14250	955	13	traditional	traditional	ADJ
cblr-14250	955	14	commercial	commercial	ADJ
cblr-14250	955	15	banking	banking	NOUN
cblr-14250	955	16	activities	activity	NOUN
cblr-14250	955	17	from	from	ADP
cblr-14250	955	18	other	other	ADJ
cblr-14250	955	19	areas	area	NOUN
cblr-14250	955	20	of	of	ADP
cblr-14250	955	21	commerce	commerce	NOUN
cblr-14250	955	22	—	—	PUNCT
cblr-14250	955	23	no	no	PRON
cblr-14250	955	24	more	more	ADJ
cblr-14250	955	25	salmon	salmon	NOUN
cblr-14250	955	26	fisheries	fishery	NOUN
cblr-14250	955	27	for	for	ADP
cblr-14250	955	28	transamerica.159	transamerica.159	ADP
cblr-14250	955	29	the	the	DET
cblr-14250	955	30	bank	bank	NOUN
cblr-14250	955	31	merger	merger	NOUN
cblr-14250	955	32	act	act	NOUN
cblr-14250	955	33	came	come	VERB
cblr-14250	955	34	a	a	DET
cblr-14250	955	35	few	few	ADJ
cblr-14250	955	36	years	year	NOUN
cblr-14250	955	37	later	later	ADV
cblr-14250	955	38	,	,	PUNCT
cblr-14250	955	39	in	in	ADP
cblr-14250	955	40	part	part	NOUN
cblr-14250	955	41	as	as	ADP
cblr-14250	955	42	a	a	DET
cblr-14250	955	43	recognition	recognition	NOUN
cblr-14250	955	44	of	of	ADP
cblr-14250	955	45	what	what	PRON
cblr-14250	955	46	the	the	DET
cblr-14250	955	47	bank	bank	NOUN
cblr-14250	955	48	holding	hold	VERB
cblr-14250	955	49	company	company	NOUN
cblr-14250	955	50	act	act	NOUN
cblr-14250	955	51	failed	fail	VERB
cblr-14250	955	52	to	to	PART
cblr-14250	955	53	accomplish	accomplish	VERB
cblr-14250	955	54	,	,	PUNCT
cblr-14250	955	55	but	but	CCONJ
cblr-14250	955	56	also	also	ADV
cblr-14250	955	57	(	(	PUNCT
cblr-14250	955	58	and	and	CCONJ
cblr-14250	955	59	more	more	ADV
cblr-14250	955	60	importantly	importantly	ADV
cblr-14250	955	61	)	)	PUNCT
cblr-14250	955	62	as	as	ADP
cblr-14250	955	63	a	a	DET
cblr-14250	955	64	recognition	recognition	NOUN
cblr-14250	955	65	that	that	SCONJ
cblr-14250	955	66	growing	grow	VERB
cblr-14250	955	67	concentration	concentration	NOUN
cblr-14250	955	68	in	in	ADP
cblr-14250	955	69	financial	financial	ADJ
cblr-14250	955	70	services	service	NOUN
cblr-14250	955	71	presented	present	VERB
cblr-14250	955	72	a	a	DET
cblr-14250	955	73	different	different	ADJ
cblr-14250	955	74	kind	kind	NOUN
cblr-14250	955	75	of	of	ADP
cblr-14250	955	76	problem	problem	NOUN
cblr-14250	955	77	than	than	ADP
cblr-14250	955	78	other	other	ADJ
cblr-14250	955	79	areas	area	NOUN
cblr-14250	955	80	of	of	ADP
cblr-14250	955	81	antitrust	antitrust	ADJ
cblr-14250	955	82	law	law	NOUN
cblr-14250	955	83	.	.	PUNCT
cblr-14250	956	1	the	the	DET
cblr-14250	956	2	banking	banking	NOUN
cblr-14250	956	3	panics	panic	NOUN
cblr-14250	956	4	of	of	ADP
cblr-14250	956	5	the	the	DET
cblr-14250	956	6	1930s	1930	NOUN
cblr-14250	956	7	had	have	AUX
cblr-14250	956	8	made	make	VERB
cblr-14250	956	9	the	the	DET
cblr-14250	956	10	bankingantitrust	bankingantitrust	NOUN
cblr-14250	956	11	nexus	nexus	NOUN
cblr-14250	956	12	clear	clear	ADJ
cblr-14250	956	13	,	,	PUNCT
cblr-14250	956	14	but	but	CCONJ
cblr-14250	956	15	in	in	ADP
cblr-14250	956	16	the	the	DET
cblr-14250	956	17	opposite	opposite	ADJ
cblr-14250	956	18	direction	direction	NOUN
cblr-14250	956	19	of	of	ADP
cblr-14250	956	20	the	the	DET
cblr-14250	956	21	antimonopoly	antimonopoly	ADJ
cblr-14250	956	22	progressive	progressive	ADJ
cblr-14250	956	23	era	era	NOUN
cblr-14250	956	24	impulses	impulse	NOUN
cblr-14250	956	25	.	.	PUNCT
cblr-14250	957	1	rather	rather	ADV
cblr-14250	957	2	than	than	ADP
cblr-14250	957	3	fearing	fear	VERB
cblr-14250	957	4	159	159	NUM
cblr-14250	957	5	benjamin	benjamin	PROPN
cblr-14250	957	6	j.	j.	PROPN
cblr-14250	957	7	klebaner	klebaner	PROPN
cblr-14250	957	8	,	,	PUNCT
cblr-14250	957	9	the	the	DET
cblr-14250	957	10	bank	bank	NOUN
cblr-14250	957	11	holding	hold	VERB
cblr-14250	957	12	company	company	NOUN
cblr-14250	957	13	act	act	NOUN
cblr-14250	957	14	of	of	ADP
cblr-14250	957	15	1956	1956	NUM
cblr-14250	957	16	,	,	PUNCT
cblr-14250	957	17	24	24	NUM
cblr-14250	957	18	s.	s.	PROPN
cblr-14250	957	19	econ	econ	PROPN
cblr-14250	957	20	.	.	PUNCT
cblr-14250	958	1	j.	j.	PROPN
cblr-14250	958	2	314	314	NUM
cblr-14250	958	3	(	(	PUNCT
cblr-14250	958	4	1958	1958	NUM
cblr-14250	958	5	)	)	PUNCT
cblr-14250	958	6	.	.	PUNCT
cblr-14250	959	1	the	the	DET
cblr-14250	959	2	1956	1956	NUM
cblr-14250	959	3	bank	bank	NOUN
cblr-14250	959	4	holding	hold	VERB
cblr-14250	959	5	company	company	NOUN
cblr-14250	959	6	act	act	NOUN
cblr-14250	959	7	targeted	target	VERB
cblr-14250	959	8	transamerica	transamerica	PROPN
cblr-14250	959	9	specifically	specifically	ADV
cblr-14250	959	10	and	and	CCONJ
cblr-14250	959	11	multi	multi	ADJ
cblr-14250	959	12	-	-	ADJ
cblr-14250	959	13	bank	bank	ADJ
cblr-14250	959	14	holding	hold	VERB
cblr-14250	959	15	companies	company	NOUN
cblr-14250	959	16	generally	generally	ADV
cblr-14250	959	17	.	.	PUNCT
cblr-14250	960	1	it	it	PRON
cblr-14250	960	2	carved	carve	VERB
cblr-14250	960	3	out	out	ADP
cblr-14250	960	4	a	a	DET
cblr-14250	960	5	loophole	loophole	NOUN
cblr-14250	960	6	for	for	ADP
cblr-14250	960	7	“	"	PUNCT
cblr-14250	960	8	one	one	NUM
cblr-14250	960	9	-	-	PUNCT
cblr-14250	960	10	bank	bank	NOUN
cblr-14250	960	11	”	"	PUNCT
cblr-14250	960	12	holding	hold	VERB
cblr-14250	960	13	companies	company	NOUN
cblr-14250	960	14	later	later	ADV
cblr-14250	960	15	exploited	exploit	VERB
cblr-14250	960	16	by	by	ADP
cblr-14250	960	17	the	the	DET
cblr-14250	960	18	first	first	ADJ
cblr-14250	960	19	national	national	PROPN
cblr-14250	960	20	city	city	PROPN
cblr-14250	960	21	bank	bank	PROPN
cblr-14250	960	22	and	and	CCONJ
cblr-14250	960	23	other	other	ADJ
cblr-14250	960	24	firms	firm	NOUN
cblr-14250	960	25	in	in	ADP
cblr-14250	960	26	the	the	DET
cblr-14250	960	27	late	late	ADJ
cblr-14250	960	28	1960s	1960	NOUN
cblr-14250	960	29	.	.	PUNCT
cblr-14250	961	1	congress	congress	PROPN
cblr-14250	961	2	then	then	ADV
cblr-14250	961	3	enacted	enact	VERB
cblr-14250	961	4	the	the	DET
cblr-14250	961	5	bank	bank	NOUN
cblr-14250	961	6	holding	hold	VERB
cblr-14250	961	7	company	company	NOUN
cblr-14250	961	8	act	act	NOUN
cblr-14250	961	9	of	of	ADP
cblr-14250	961	10	1970	1970	NUM
cblr-14250	961	11	to	to	PART
cblr-14250	961	12	close	close	VERB
cblr-14250	961	13	this	this	DET
cblr-14250	961	14	loophole	loophole	NOUN
cblr-14250	961	15	,	,	PUNCT
cblr-14250	961	16	giving	give	VERB
cblr-14250	961	17	the	the	DET
cblr-14250	961	18	federal	federal	PROPN
cblr-14250	961	19	reserve	reserve	PROPN
cblr-14250	961	20	supervisory	supervisory	ADJ
cblr-14250	961	21	authority	authority	NOUN
cblr-14250	961	22	over	over	ADP
cblr-14250	961	23	these	these	DET
cblr-14250	961	24	firms	firm	NOUN
cblr-14250	961	25	as	as	ADV
cblr-14250	961	26	well	well	ADV
cblr-14250	961	27	.	.	PUNCT
cblr-14250	962	1	michigan	michigan	PROPN
cblr-14250	962	2	law	law	PROPN
cblr-14250	962	3	review	review	PROPN
cblr-14250	962	4	,	,	PUNCT
cblr-14250	962	5	implementation	implementation	NOUN
cblr-14250	962	6	of	of	ADP
cblr-14250	962	7	the	the	DET
cblr-14250	962	8	bank	bank	NOUN
cblr-14250	962	9	holding	hold	VERB
cblr-14250	962	10	company	company	NOUN
cblr-14250	962	11	act	act	VERB
cblr-14250	962	12	amendments	amendment	NOUN
cblr-14250	962	13	of	of	ADP
cblr-14250	962	14	1970	1970	NUM
cblr-14250	962	15	:	:	PUNCT
cblr-14250	962	16	the	the	DET
cblr-14250	962	17	scope	scope	NOUN
cblr-14250	962	18	of	of	ADP
cblr-14250	962	19	banking	banking	NOUN
cblr-14250	962	20	activities	activity	NOUN
cblr-14250	962	21	,	,	PUNCT
cblr-14250	962	22	71	71	NUM
cblr-14250	962	23	mich	mich	X
cblr-14250	962	24	.	.	PUNCT
cblr-14250	963	1	l.	l.	PROPN
cblr-14250	963	2	rev	rev	PROPN
cblr-14250	963	3	.	.	PROPN
cblr-14250	963	4	1170	1170	NUM
cblr-14250	963	5	(	(	PUNCT
cblr-14250	963	6	1973	1973	NUM
cblr-14250	963	7	)	)	PUNCT
cblr-14250	963	8	;	;	PUNCT
cblr-14250	964	1	treas	treas	PROPN
cblr-14250	964	2	.	.	PUNCT
cblr-14250	964	3	dep’t	dep’t	PROPN
cblr-14250	964	4	,	,	PUNCT
cblr-14250	964	5	summary	summary	NOUN
cblr-14250	964	6	of	of	ADP
cblr-14250	964	7	the	the	DET
cblr-14250	964	8	background	background	NOUN
cblr-14250	964	9	of	of	ADP
cblr-14250	964	10	development	development	NOUN
cblr-14250	964	11	of	of	ADP
cblr-14250	964	12	the	the	DET
cblr-14250	964	13	one	one	NUM
cblr-14250	964	14	-	-	PUNCT
cblr-14250	964	15	bank	bank	NOUN
cblr-14250	964	16	holding	hold	VERB
cblr-14250	964	17	company	company	NOUN
cblr-14250	964	18	problem	problem	NOUN
cblr-14250	964	19	and	and	CCONJ
cblr-14250	964	20	a	a	DET
cblr-14250	964	21	general	general	ADJ
cblr-14250	964	22	outline	outline	NOUN
cblr-14250	964	23	of	of	ADP
cblr-14250	964	24	the	the	DET
cblr-14250	964	25	principle	principle	NOUN
cblr-14250	964	26	points	point	NOUN
cblr-14250	964	27	to	to	PART
cblr-14250	964	28	be	be	AUX
cblr-14250	964	29	included	include	VERB
cblr-14250	964	30	in	in	ADP
cblr-14250	964	31	a	a	DET
cblr-14250	964	32	legislative	legislative	ADJ
cblr-14250	964	33	resolution	resolution	NOUN
cblr-14250	964	34	of	of	ADP
cblr-14250	964	35	this	this	DET
cblr-14250	964	36	problem	problem	NOUN
cblr-14250	964	37	(	(	PUNCT
cblr-14250	964	38	1969	1969	NUM
cblr-14250	964	39	)	)	PUNCT
cblr-14250	964	40	;	;	PUNCT
cblr-14250	964	41	memorandum	memorandum	NOUN
cblr-14250	964	42	for	for	ADP
cblr-14250	964	43	the	the	DET
cblr-14250	964	44	president	president	NOUN
cblr-14250	964	45	discussing	discuss	VERB
cblr-14250	964	46	the	the	DET
cblr-14250	964	47	establishment	establishment	NOUN
cblr-14250	964	48	of	of	ADP
cblr-14250	964	49	the	the	DET
cblr-14250	964	50	presidential	presidential	ADJ
cblr-14250	964	51	comm’n	comm’n	NOUN
cblr-14250	964	52	on	on	ADP
cblr-14250	964	53	fin	fin	NOUN
cblr-14250	964	54	.	.	PUNCT
cblr-14250	965	1	structure	structure	NOUN
cblr-14250	965	2	and	and	CCONJ
cblr-14250	965	3	regul	regul	NOUN
cblr-14250	965	4	.	.	PUNCT
cblr-14250	966	1	(	(	PUNCT
cblr-14250	966	2	jan	jan	PROPN
cblr-14250	966	3	19	19	NUM
cblr-14250	966	4	.	.	NOUN
cblr-14250	966	5	1970	1970	NUM
cblr-14250	966	6	)	)	PUNCT
cblr-14250	967	1	(	(	PUNCT
cblr-14250	967	2	on	on	ADP
cblr-14250	967	3	file	file	NOUN
cblr-14250	967	4	with	with	ADP
cblr-14250	967	5	richard	richard	PROPN
cblr-14250	967	6	m.	m.	PROPN
cblr-14250	967	7	nixon	nixon	PROPN
cblr-14250	967	8	presidential	presidential	ADJ
cblr-14250	967	9	library	library	NOUN
cblr-14250	967	10	,	,	PUNCT
cblr-14250	967	11	president	president	PROPN
cblr-14250	967	12	’s	’s	PART
cblr-14250	967	13	commission	commission	PROPN
cblr-14250	967	14	on	on	ADP
cblr-14250	967	15	financial	financial	ADJ
cblr-14250	967	16	structure	structure	NOUN
cblr-14250	967	17	and	and	CCONJ
cblr-14250	967	18	regulation	regulation	NOUN
cblr-14250	967	19	,	,	PUNCT
cblr-14250	967	20	fg	fg	PROPN
cblr-14250	967	21	267	267	NUM
cblr-14250	967	22	,	,	PUNCT
cblr-14250	967	23	box	box	NOUN
cblr-14250	967	24	1	1	NUM
cblr-14250	967	25	)	)	PUNCT
cblr-14250	967	26	,	,	PUNCT
cblr-14250	968	1	https://catalog.archives.gov/id/255220770	https://catalog.archives.gov/id/255220770	PROPN
cblr-14250	969	1	[	[	X
cblr-14250	969	2	https://perma.cc/225s-hf6s	https://perma.cc/225s-hf6s	X
cblr-14250	969	3	]	]	X
cblr-14250	969	4	.	.	PUNCT
cblr-14250	970	1	no	no	INTJ
cblr-14250	970	2	.	.	NOUN
cblr-14250	970	3	1	1	NUM
cblr-14250	970	4	]	]	PUNCT
cblr-14250	970	5	risk	risk	NOUN
cblr-14250	970	6	,	,	PUNCT
cblr-14250	970	7	discretion	discretion	NOUN
cblr-14250	970	8	,	,	PUNCT
cblr-14250	970	9	and	and	CCONJ
cblr-14250	970	10	bank	bank	NOUN
cblr-14250	970	11	supervision	supervision	NOUN
cblr-14250	970	12	201	201	NUM
cblr-14250	970	13	financial	financial	ADJ
cblr-14250	970	14	concentration	concentration	NOUN
cblr-14250	970	15	,	,	PUNCT
cblr-14250	970	16	the	the	DET
cblr-14250	970	17	new	new	ADJ
cblr-14250	970	18	deal	deal	NOUN
cblr-14250	970	19	bank	bank	PROPN
cblr-14250	970	20	supervisors	supervisor	NOUN
cblr-14250	970	21	wanted	want	VERB
cblr-14250	970	22	to	to	PART
cblr-14250	970	23	use	use	VERB
cblr-14250	970	24	the	the	DET
cblr-14250	970	25	strong	strong	ADJ
cblr-14250	970	26	to	to	PART
cblr-14250	970	27	absorb	absorb	VERB
cblr-14250	970	28	the	the	DET
cblr-14250	970	29	weak	weak	ADJ
cblr-14250	970	30	to	to	PART
cblr-14250	970	31	avoid	avoid	VERB
cblr-14250	970	32	the	the	DET
cblr-14250	970	33	costliness	costliness	NOUN
cblr-14250	970	34	of	of	ADP
cblr-14250	970	35	a	a	DET
cblr-14250	970	36	disorderly	disorderly	ADJ
cblr-14250	970	37	resolution	resolution	NOUN
cblr-14250	970	38	.	.	PUNCT
cblr-14250	971	1	eccles	eccles	PROPN
cblr-14250	971	2	,	,	PUNCT
cblr-14250	971	3	in	in	ADP
cblr-14250	971	4	a	a	DET
cblr-14250	971	5	letter	letter	NOUN
cblr-14250	971	6	to	to	ADP
cblr-14250	971	7	franklin	franklin	PROPN
cblr-14250	971	8	roosevelt	roosevelt	PROPN
cblr-14250	971	9	,	,	PUNCT
cblr-14250	971	10	defended	defend	VERB
cblr-14250	971	11	this	this	DET
cblr-14250	971	12	anti	anti	ADJ
cblr-14250	971	13	-	-	ADJ
cblr-14250	971	14	antitrust	antitrust	ADJ
cblr-14250	971	15	view	view	NOUN
cblr-14250	971	16	as	as	ADP
cblr-14250	971	17	getting	getting	AUX
cblr-14250	971	18	rid	rid	VERB
cblr-14250	971	19	of	of	ADP
cblr-14250	971	20	the	the	DET
cblr-14250	971	21	“	"	PUNCT
cblr-14250	971	22	mushrooms	mushroom	NOUN
cblr-14250	971	23	miscalled	miscall	VERB
cblr-14250	971	24	banks	bank	NOUN
cblr-14250	971	25	”	"	PUNCT
cblr-14250	971	26	that	that	PRON
cblr-14250	971	27	seemed	seem	VERB
cblr-14250	971	28	to	to	PART
cblr-14250	971	29	flourish	flourish	VERB
cblr-14250	971	30	in	in	ADP
cblr-14250	971	31	dank	dank	ADJ
cblr-14250	971	32	corners	corner	NOUN
cblr-14250	971	33	of	of	ADP
cblr-14250	971	34	the	the	DET
cblr-14250	971	35	mismanaged	mismanage	VERB
cblr-14250	971	36	financial	financial	ADJ
cblr-14250	971	37	ecosystem.160	ecosystem.160	VERB
cblr-14250	971	38	the	the	DET
cblr-14250	971	39	1940s	1940	NOUN
cblr-14250	971	40	brought	bring	VERB
cblr-14250	971	41	global	global	ADJ
cblr-14250	971	42	cataclysm	cataclysm	NOUN
cblr-14250	971	43	to	to	ADP
cblr-14250	971	44	nearly	nearly	ADV
cblr-14250	971	45	every	every	PRON
cblr-14250	971	46	aspect	aspect	NOUN
cblr-14250	971	47	of	of	ADP
cblr-14250	971	48	life	life	NOUN
cblr-14250	971	49	throughout	throughout	ADP
cblr-14250	971	50	the	the	DET
cblr-14250	971	51	world	world	NOUN
cblr-14250	971	52	,	,	PUNCT
cblr-14250	971	53	in	in	ADP
cblr-14250	971	54	some	some	DET
cblr-14250	971	55	form	form	NOUN
cblr-14250	971	56	or	or	CCONJ
cblr-14250	971	57	another	another	PRON
cblr-14250	971	58	.	.	PUNCT
cblr-14250	972	1	an	an	DET
cblr-14250	972	2	exception	exception	NOUN
cblr-14250	972	3	was	be	AUX
cblr-14250	972	4	the	the	DET
cblr-14250	972	5	american	american	ADJ
cblr-14250	972	6	banking	banking	NOUN
cblr-14250	972	7	system	system	NOUN
cblr-14250	972	8	.	.	PUNCT
cblr-14250	973	1	through	through	ADP
cblr-14250	973	2	the	the	DET
cblr-14250	973	3	end	end	NOUN
cblr-14250	973	4	of	of	ADP
cblr-14250	973	5	the	the	DET
cblr-14250	973	6	war	war	NOUN
cblr-14250	973	7	and	and	CCONJ
cblr-14250	973	8	into	into	ADP
cblr-14250	973	9	the	the	DET
cblr-14250	973	10	1950s	1950s	NUM
cblr-14250	973	11	,	,	PUNCT
cblr-14250	973	12	bank	bank	NOUN
cblr-14250	973	13	failures	failure	NOUN
cblr-14250	973	14	faded	fade	VERB
cblr-14250	973	15	in	in	ADP
cblr-14250	973	16	memory	memory	NOUN
cblr-14250	973	17	,	,	PUNCT
cblr-14250	973	18	leading	lead	VERB
cblr-14250	973	19	legislators	legislator	NOUN
cblr-14250	973	20	and	and	CCONJ
cblr-14250	973	21	supervisors	supervisor	NOUN
cblr-14250	973	22	to	to	PART
cblr-14250	973	23	assume	assume	VERB
cblr-14250	973	24	that	that	SCONJ
cblr-14250	973	25	the	the	DET
cblr-14250	973	26	institutionalization	institutionalization	NOUN
cblr-14250	973	27	of	of	ADP
cblr-14250	973	28	residual	residual	ADJ
cblr-14250	973	29	risk	risk	NOUN
cblr-14250	973	30	management	management	NOUN
cblr-14250	973	31	had	have	AUX
cblr-14250	973	32	solved	solve	VERB
cblr-14250	973	33	most	most	ADJ
cblr-14250	973	34	of	of	ADP
cblr-14250	973	35	the	the	DET
cblr-14250	973	36	problems	problem	NOUN
cblr-14250	973	37	that	that	PRON
cblr-14250	973	38	the	the	DET
cblr-14250	973	39	long	long	ADJ
cblr-14250	973	40	nineteenth	nineteenth	ADJ
cblr-14250	973	41	century	century	NOUN
cblr-14250	973	42	had	have	AUX
cblr-14250	973	43	posed	pose	VERB
cblr-14250	973	44	.	.	PUNCT
cblr-14250	974	1	yet	yet	CCONJ
cblr-14250	974	2	the	the	DET
cblr-14250	974	3	pre	pre	ADJ
cblr-14250	974	4	-	-	ADJ
cblr-14250	974	5	new	new	ADJ
cblr-14250	974	6	deal	deal	NOUN
cblr-14250	974	7	regulatory	regulatory	ADJ
cblr-14250	974	8	structure	structure	NOUN
cblr-14250	974	9	,	,	PUNCT
cblr-14250	974	10	which	which	PRON
cblr-14250	974	11	favored	favor	VERB
cblr-14250	974	12	small	small	ADJ
cblr-14250	974	13	banking	banking	NOUN
cblr-14250	974	14	,	,	PUNCT
cblr-14250	974	15	layered	layer	VERB
cblr-14250	974	16	over	over	ADP
cblr-14250	974	17	by	by	ADP
cblr-14250	974	18	new	new	ADJ
cblr-14250	974	19	deal	deal	NOUN
cblr-14250	974	20	limits	limit	NOUN
cblr-14250	974	21	on	on	ADP
cblr-14250	974	22	price	price	NOUN
cblr-14250	974	23	and	and	CCONJ
cblr-14250	974	24	product	product	NOUN
cblr-14250	974	25	line	line	NOUN
cblr-14250	974	26	competition	competition	NOUN
cblr-14250	974	27	,	,	PUNCT
cblr-14250	974	28	significantly	significantly	ADV
cblr-14250	974	29	constrained	constrain	VERB
cblr-14250	974	30	the	the	DET
cblr-14250	974	31	profitability	profitability	NOUN
cblr-14250	974	32	of	of	ADP
cblr-14250	974	33	commercial	commercial	ADJ
cblr-14250	974	34	banking	banking	NOUN
cblr-14250	974	35	in	in	ADP
cblr-14250	974	36	the	the	DET
cblr-14250	974	37	1940s	1940	NOUN
cblr-14250	974	38	and	and	CCONJ
cblr-14250	974	39	1950s	1950	NOUN
cblr-14250	974	40	.	.	PUNCT
cblr-14250	975	1	declining	decline	VERB
cblr-14250	975	2	profitability	profitability	NOUN
cblr-14250	975	3	—	—	PUNCT
cblr-14250	975	4	the	the	DET
cblr-14250	975	5	“	"	PUNCT
cblr-14250	975	6	profits	profit	NOUN
cblr-14250	975	7	squeeze”—led	squeeze”—le	VERB
cblr-14250	975	8	to	to	ADP
cblr-14250	975	9	a	a	DET
cblr-14250	975	10	quest	quest	NOUN
cblr-14250	975	11	for	for	ADP
cblr-14250	975	12	scale	scale	NOUN
cblr-14250	975	13	among	among	ADP
cblr-14250	975	14	the	the	DET
cblr-14250	975	15	nation	nation	NOUN
cblr-14250	975	16	’s	’s	PART
cblr-14250	975	17	largest	large	ADJ
cblr-14250	975	18	banks	bank	NOUN
cblr-14250	975	19	,	,	PUNCT
cblr-14250	975	20	one	one	NUM
cblr-14250	975	21	encouraged	encourage	VERB
cblr-14250	975	22	by	by	ADP
cblr-14250	975	23	the	the	DET
cblr-14250	975	24	continued	continue	VERB
cblr-14250	975	25	growth	growth	NOUN
cblr-14250	975	26	and	and	CCONJ
cblr-14250	975	27	expanding	expand	VERB
cblr-14250	975	28	financial	financial	ADJ
cblr-14250	975	29	demands	demand	NOUN
cblr-14250	975	30	of	of	ADP
cblr-14250	975	31	the	the	DET
cblr-14250	975	32	nation	nation	NOUN
cblr-14250	975	33	’s	’s	PART
cblr-14250	975	34	large	large	ADJ
cblr-14250	975	35	corporations.161	corporations.161	VERB
cblr-14250	975	36	the	the	DET
cblr-14250	975	37	1955	1955	NUM
cblr-14250	975	38	merger	merger	NOUN
cblr-14250	975	39	of	of	ADP
cblr-14250	975	40	chase	chase	PROPN
cblr-14250	975	41	national	national	PROPN
cblr-14250	975	42	bank	bank	PROPN
cblr-14250	975	43	and	and	CCONJ
cblr-14250	975	44	the	the	DET
cblr-14250	975	45	manhattan	manhattan	PROPN
cblr-14250	975	46	company	company	NOUN
cblr-14250	975	47	headlined	headline	VERB
cblr-14250	975	48	a	a	DET
cblr-14250	975	49	merger	merger	NOUN
cblr-14250	975	50	boom	boom	NOUN
cblr-14250	975	51	in	in	ADP
cblr-14250	975	52	the	the	DET
cblr-14250	975	53	mid-1950s.162	mid-1950s.162	NOUN
cblr-14250	975	54	at	at	ADP
cblr-14250	975	55	the	the	DET
cblr-14250	975	56	time	time	NOUN
cblr-14250	975	57	of	of	ADP
cblr-14250	975	58	the	the	DET
cblr-14250	975	59	merger	merger	NOUN
cblr-14250	975	60	,	,	PUNCT
cblr-14250	975	61	bank	bank	NOUN
cblr-14250	975	62	-	-	PUNCT
cblr-14250	975	63	related	relate	VERB
cblr-14250	975	64	antitrust	antitrust	ADJ
cblr-14250	975	65	law	law	NOUN
cblr-14250	975	66	was	be	AUX
cblr-14250	975	67	confused	confuse	VERB
cblr-14250	975	68	,	,	PUNCT
cblr-14250	975	69	at	at	ADP
cblr-14250	975	70	best	well	ADV
cblr-14250	975	71	.	.	PUNCT
cblr-14250	976	1	the	the	DET
cblr-14250	976	2	new	new	ADJ
cblr-14250	976	3	deal	deal	NOUN
cblr-14250	976	4	bank	bank	NOUN
cblr-14250	976	5	merger	merger	NOUN
cblr-14250	976	6	ethos	etho	VERB
cblr-14250	976	7	—	—	PUNCT
cblr-14250	976	8	that	that	SCONJ
cblr-14250	976	9	bigger	big	ADJ
cblr-14250	976	10	banks	bank	NOUN
cblr-14250	976	11	were	be	AUX
cblr-14250	976	12	better	well	ADJ
cblr-14250	976	13	in	in	ADP
cblr-14250	976	14	the	the	DET
cblr-14250	976	15	face	face	NOUN
cblr-14250	976	16	of	of	ADP
cblr-14250	976	17	financial	financial	ADJ
cblr-14250	976	18	instability	instability	NOUN
cblr-14250	976	19	—	—	PUNCT
cblr-14250	976	20	160	160	NUM
cblr-14250	976	21	memorandum	memorandum	NOUN
cblr-14250	976	22	from	from	ADP
cblr-14250	976	23	marriner	marriner	PROPN
cblr-14250	976	24	eccles	eccles	PROPN
cblr-14250	976	25	,	,	PUNCT
cblr-14250	976	26	supra	supra	PROPN
cblr-14250	976	27	note	note	NOUN
cblr-14250	976	28	154	154	NUM
cblr-14250	976	29	.	.	PUNCT
cblr-14250	977	1	161	161	NUM
cblr-14250	977	2	see	see	NOUN
cblr-14250	977	3	am	be	AUX
cblr-14250	977	4	.	.	PUNCT
cblr-14250	978	1	bankers	banker	NOUN
cblr-14250	978	2	ass’n	ass’n	NUM
cblr-14250	978	3	,	,	PUNCT
cblr-14250	978	4	the	the	DET
cblr-14250	978	5	commercial	commercial	ADJ
cblr-14250	978	6	banking	banking	NOUN
cblr-14250	978	7	industry	industry	NOUN
cblr-14250	978	8	:	:	PUNCT
cblr-14250	978	9	a	a	DET
cblr-14250	978	10	monograph	monograph	NOUN
cblr-14250	978	11	prepared	prepare	VERB
cblr-14250	978	12	for	for	ADP
cblr-14250	978	13	the	the	DET
cblr-14250	978	14	commission	commission	NOUN
cblr-14250	978	15	on	on	ADP
cblr-14250	978	16	money	money	NOUN
cblr-14250	978	17	and	and	CCONJ
cblr-14250	978	18	credit	credit	NOUN
cblr-14250	978	19	,	,	PUNCT
cblr-14250	978	20	76–81	76–81	NUM
cblr-14250	978	21	(	(	PUNCT
cblr-14250	978	22	1962	1962	NUM
cblr-14250	978	23	)	)	PUNCT
cblr-14250	978	24	;	;	PUNCT
cblr-14250	978	25	david	david	PROPN
cblr-14250	978	26	rockefeller	rockefeller	PROPN
cblr-14250	978	27	,	,	PUNCT
cblr-14250	978	28	memoirs	memoir	VERB
cblr-14250	978	29	197	197	NUM
cblr-14250	978	30	(	(	PUNCT
cblr-14250	978	31	2003	2003	NUM
cblr-14250	978	32	)	)	PUNCT
cblr-14250	978	33	.	.	PUNCT
cblr-14250	979	1	to	to	PART
cblr-14250	979	2	understand	understand	VERB
cblr-14250	979	3	how	how	SCONJ
cblr-14250	979	4	the	the	DET
cblr-14250	979	5	profits	profit	NOUN
cblr-14250	979	6	squeeze	squeeze	VERB
cblr-14250	979	7	prefigured	prefigure	VERB
cblr-14250	979	8	the	the	DET
cblr-14250	979	9	later	later	ADJ
cblr-14250	979	10	problem	problem	NOUN
cblr-14250	979	11	of	of	ADP
cblr-14250	979	12	disintermediation	disintermediation	NOUN
cblr-14250	979	13	,	,	PUNCT
cblr-14250	979	14	see	see	VERB
cblr-14250	979	15	gerald	gerald	PROPN
cblr-14250	979	16	f.	f.	PROPN
cblr-14250	979	17	davis	davis	PROPN
cblr-14250	979	18	,	,	PUNCT
cblr-14250	979	19	managed	manage	VERB
cblr-14250	979	20	by	by	ADP
cblr-14250	979	21	the	the	DET
cblr-14250	979	22	markets	market	NOUN
cblr-14250	979	23	:	:	PUNCT
cblr-14250	979	24	how	how	SCONJ
cblr-14250	979	25	finance	finance	NOUN
cblr-14250	979	26	reshaped	reshape	VERB
cblr-14250	979	27	,	,	PUNCT
cblr-14250	979	28	112	112	NUM
cblr-14250	979	29	–	–	PUNCT
cblr-14250	979	30	15	15	NUM
cblr-14250	979	31	(	(	PUNCT
cblr-14250	979	32	2009	2009	NUM
cblr-14250	979	33	)	)	PUNCT
cblr-14250	979	34	.	.	PUNCT
cblr-14250	980	1	162	162	NUM
cblr-14250	980	2	see	see	VERB
cblr-14250	980	3	john	john	PROPN
cblr-14250	980	4	donald	donald	PROPN
cblr-14250	980	5	wilson	wilson	PROPN
cblr-14250	980	6	,	,	PUNCT
cblr-14250	980	7	the	the	DET
cblr-14250	980	8	chase	chase	NOUN
cblr-14250	980	9	:	:	PUNCT
cblr-14250	980	10	the	the	DET
cblr-14250	980	11	chase	chase	PROPN
cblr-14250	980	12	manhattan	manhattan	PROPN
cblr-14250	980	13	bank	bank	PROPN
cblr-14250	980	14	,	,	PUNCT
cblr-14250	980	15	n.a	n.a	PROPN
cblr-14250	980	16	.	.	PROPN
cblr-14250	980	17	,	,	PUNCT
cblr-14250	980	18	1945–1985	1945–1985	NUM
cblr-14250	980	19	,	,	PUNCT
cblr-14250	980	20	at	at	ADP
cblr-14250	980	21	43	43	NUM
cblr-14250	980	22	–	–	PUNCT
cblr-14250	980	23	73	73	NUM
cblr-14250	980	24	(	(	PUNCT
cblr-14250	980	25	1986	1986	NUM
cblr-14250	980	26	)	)	PUNCT
cblr-14250	980	27	;	;	PUNCT
cblr-14250	980	28	paul	paul	PROPN
cblr-14250	980	29	heffernan	heffernan	PROPN
cblr-14250	980	30	,	,	PUNCT
cblr-14250	980	31	merger	merger	NOUN
cblr-14250	980	32	confirms	confirm	VERB
cblr-14250	980	33	new	new	ADJ
cblr-14250	980	34	banking	banking	NOUN
cblr-14250	980	35	era	era	NOUN
cblr-14250	980	36	,	,	PUNCT
cblr-14250	980	37	n.y	n.y	PROPN
cblr-14250	980	38	.	.	PROPN
cblr-14250	980	39	times	times	PROPN
cblr-14250	980	40	,	,	PUNCT
cblr-14250	980	41	jan	jan	PROPN
cblr-14250	980	42	.	.	PROPN
cblr-14250	980	43	16	16	NUM
cblr-14250	980	44	,	,	PUNCT
cblr-14250	980	45	1955	1955	NUM
cblr-14250	980	46	,	,	PUNCT
cblr-14250	980	47	at	at	ADP
cblr-14250	980	48	f1	f1	NOUN
cblr-14250	980	49	;	;	PUNCT
cblr-14250	980	50	celler	celler	PROPN
cblr-14250	980	51	plans	plan	VERB
cblr-14250	980	52	inquiry	inquiry	NOUN
cblr-14250	980	53	,	,	PUNCT
cblr-14250	980	54	n.y	n.y	PROPN
cblr-14250	980	55	.	.	PROPN
cblr-14250	980	56	times	times	PROPN
cblr-14250	980	57	,	,	PUNCT
cblr-14250	980	58	jan	jan	PROPN
cblr-14250	980	59	.	.	PROPN
cblr-14250	980	60	15	15	NUM
cblr-14250	980	61	,	,	PUNCT
cblr-14250	980	62	1955	1955	NUM
cblr-14250	980	63	,	,	PUNCT
cblr-14250	980	64	at	at	ADP
cblr-14250	980	65	21	21	NUM
cblr-14250	980	66	.	.	PUNCT
cblr-14250	981	1	202	202	NUM
cblr-14250	981	2	columbia	columbia	PROPN
cblr-14250	981	3	business	business	NOUN
cblr-14250	981	4	law	law	PROPN
cblr-14250	981	5	review	review	NOUN
cblr-14250	982	1	[	[	X
cblr-14250	982	2	vol	vol	NOUN
cblr-14250	982	3	.	.	PUNCT
cblr-14250	982	4	2025	2025	NUM
cblr-14250	982	5	had	have	AUX
cblr-14250	982	6	yielded	yield	VERB
cblr-14250	982	7	to	to	ADP
cblr-14250	982	8	the	the	DET
cblr-14250	982	9	pre	pre	ADJ
cblr-14250	982	10	-	-	ADJ
cblr-14250	982	11	new	new	ADJ
cblr-14250	982	12	deal	deal	NOUN
cblr-14250	982	13	brandeisian	brandeisian	ADJ
cblr-14250	982	14	impulses	impulse	NOUN
cblr-14250	982	15	to	to	PART
cblr-14250	982	16	protect	protect	VERB
cblr-14250	982	17	small	small	ADJ
cblr-14250	982	18	business	business	NOUN
cblr-14250	982	19	enterprise	enterprise	NOUN
cblr-14250	982	20	.	.	PUNCT
cblr-14250	983	1	this	this	PRON
cblr-14250	983	2	created	create	VERB
cblr-14250	983	3	an	an	DET
cblr-14250	983	4	incoherence	incoherence	NOUN
cblr-14250	983	5	to	to	ADP
cblr-14250	983	6	what	what	PRON
cblr-14250	983	7	,	,	PUNCT
cblr-14250	983	8	if	if	SCONJ
cblr-14250	983	9	anything	anything	PRON
cblr-14250	983	10	,	,	PUNCT
cblr-14250	983	11	bank	bank	NOUN
cblr-14250	983	12	antitrust	antitrust	ADJ
cblr-14250	983	13	policy	policy	NOUN
cblr-14250	983	14	should	should	AUX
cblr-14250	983	15	be	be	AUX
cblr-14250	983	16	.	.	PUNCT
cblr-14250	984	1	federal	federal	ADJ
cblr-14250	984	2	law	law	NOUN
cblr-14250	984	3	had	have	AUX
cblr-14250	984	4	mostly	mostly	ADV
cblr-14250	984	5	ceded	cede	VERB
cblr-14250	984	6	ground	ground	NOUN
cblr-14250	984	7	to	to	ADP
cblr-14250	984	8	the	the	DET
cblr-14250	984	9	states	state	NOUN
cblr-14250	984	10	,	,	PUNCT
cblr-14250	984	11	and	and	CCONJ
cblr-14250	984	12	the	the	DET
cblr-14250	984	13	states	state	NOUN
cblr-14250	984	14	did	do	AUX
cblr-14250	984	15	not	not	PART
cblr-14250	984	16	have	have	VERB
cblr-14250	984	17	a	a	DET
cblr-14250	984	18	good	good	ADJ
cblr-14250	984	19	theory	theory	NOUN
cblr-14250	984	20	of	of	ADP
cblr-14250	984	21	what	what	PRON
cblr-14250	984	22	should	should	AUX
cblr-14250	984	23	motivate	motivate	VERB
cblr-14250	984	24	merger	merger	NOUN
cblr-14250	984	25	evaluations	evaluation	NOUN
cblr-14250	984	26	for	for	ADP
cblr-14250	984	27	banks	bank	NOUN
cblr-14250	984	28	.	.	PUNCT
cblr-14250	985	1	figure	figure	VERB
cblr-14250	985	2	3	3	NUM
cblr-14250	985	3	illustrates	illustrate	VERB
cblr-14250	985	4	the	the	DET
cblr-14250	985	5	confusion	confusion	NOUN
cblr-14250	985	6	.	.	PUNCT
cblr-14250	986	1	figure	figure	NOUN
cblr-14250	986	2	3	3	NUM
cblr-14250	986	3	.	.	PUNCT
cblr-14250	986	4	policy	policy	NOUN
cblr-14250	986	5	preferences	preference	NOUN
cblr-14250	986	6	motivating	motivate	VERB
cblr-14250	986	7	merger	merger	NOUN
cblr-14250	986	8	evaluations	evaluation	NOUN
cblr-14250	986	9	figure	figure	VERB
cblr-14250	986	10	3	3	NUM
cblr-14250	986	11	canvasses	canvass	NOUN
cblr-14250	986	12	state	state	NOUN
cblr-14250	986	13	laws	law	NOUN
cblr-14250	986	14	to	to	PART
cblr-14250	986	15	determine	determine	VERB
cblr-14250	986	16	what	what	PRON
cblr-14250	986	17	factors	factor	NOUN
cblr-14250	986	18	bank	bank	NOUN
cblr-14250	986	19	(	(	PUNCT
cblr-14250	986	20	or	or	CCONJ
cblr-14250	986	21	competition	competition	NOUN
cblr-14250	986	22	)	)	PUNCT
cblr-14250	987	1	authorities	authority	NOUN
cblr-14250	987	2	would	would	AUX
cblr-14250	987	3	take	take	VERB
cblr-14250	987	4	into	into	ADP
cblr-14250	987	5	consideration	consideration	NOUN
cblr-14250	987	6	when	when	SCONJ
cblr-14250	987	7	determining	determine	VERB
cblr-14250	987	8	whether	whether	SCONJ
cblr-14250	987	9	a	a	DET
cblr-14250	987	10	bank	bank	NOUN
cblr-14250	987	11	merger	merger	NOUN
cblr-14250	987	12	should	should	AUX
cblr-14250	987	13	go	go	VERB
cblr-14250	987	14	forward	forward	ADV
cblr-14250	987	15	.	.	PUNCT
cblr-14250	988	1	competition	competition	NOUN
cblr-14250	988	2	,	,	PUNCT
cblr-14250	988	3	the	the	DET
cblr-14250	988	4	primary	primary	ADJ
cblr-14250	988	5	motivating	motivating	NOUN
cblr-14250	988	6	factor	factor	NOUN
cblr-14250	988	7	in	in	ADP
cblr-14250	988	8	antitrust	antitrust	NOUN
cblr-14250	988	9	,	,	PUNCT
cblr-14250	988	10	was	be	AUX
cblr-14250	988	11	an	an	DET
cblr-14250	988	12	afterthought	afterthought	NOUN
cblr-14250	988	13	as	as	ADP
cblr-14250	988	14	the	the	DET
cblr-14250	988	15	major	major	ADJ
cblr-14250	988	16	concern	concern	NOUN
cblr-14250	988	17	for	for	ADP
cblr-14250	988	18	only	only	ADV
cblr-14250	988	19	georgia	georgia	PROPN
cblr-14250	988	20	and	and	CCONJ
cblr-14250	988	21	nevada	nevada	PROPN
cblr-14250	988	22	.	.	PUNCT
cblr-14250	989	1	the	the	DET
cblr-14250	989	2	most	most	ADV
cblr-14250	989	3	important	important	ADJ
cblr-14250	989	4	factors	factor	NOUN
cblr-14250	989	5	were	be	AUX
cblr-14250	989	6	no	no	INTJ
cblr-14250	989	7	.	.	NOUN
cblr-14250	989	8	1	1	NUM
cblr-14250	989	9	]	]	PUNCT
cblr-14250	989	10	risk	risk	NOUN
cblr-14250	989	11	,	,	PUNCT
cblr-14250	989	12	discretion	discretion	NOUN
cblr-14250	989	13	,	,	PUNCT
cblr-14250	989	14	and	and	CCONJ
cblr-14250	989	15	bank	bank	NOUN
cblr-14250	989	16	supervision	supervision	NOUN
cblr-14250	989	17	203	203	NUM
cblr-14250	989	18	essentially	essentially	ADV
cblr-14250	989	19	the	the	DET
cblr-14250	989	20	public	public	ADJ
cblr-14250	989	21	interest	interest	NOUN
cblr-14250	989	22	(	(	PUNCT
cblr-14250	989	23	especially	especially	ADV
cblr-14250	989	24	when	when	SCONJ
cblr-14250	989	25	combined	combine	VERB
cblr-14250	989	26	with	with	ADP
cblr-14250	989	27	the	the	DET
cblr-14250	989	28	public	public	ADJ
cblr-14250	989	29	necessity).163	necessity).163	PROPN
cblr-14250	989	30	the	the	DET
cblr-14250	989	31	mélange	mélange	NOUN
cblr-14250	989	32	of	of	ADP
cblr-14250	989	33	state	state	NOUN
cblr-14250	989	34	-	-	PUNCT
cblr-14250	989	35	law	law	NOUN
cblr-14250	989	36	concerns	concern	NOUN
cblr-14250	989	37	motivated	motivate	VERB
cblr-14250	989	38	congress	congress	PROPN
cblr-14250	989	39	to	to	PART
cblr-14250	989	40	act	act	VERB
cblr-14250	989	41	with	with	ADP
cblr-14250	989	42	respect	respect	NOUN
cblr-14250	989	43	to	to	ADP
cblr-14250	989	44	all	all	DET
cblr-14250	989	45	banks	bank	NOUN
cblr-14250	989	46	that	that	PRON
cblr-14250	989	47	touched	touch	VERB
cblr-14250	989	48	the	the	DET
cblr-14250	989	49	federal	federal	ADJ
cblr-14250	989	50	banking	banking	NOUN
cblr-14250	989	51	apparatus	apparatus	NOUN
cblr-14250	989	52	—	—	PUNCT
cblr-14250	989	53	which	which	PRON
cblr-14250	989	54	,	,	PUNCT
cblr-14250	989	55	by	by	ADP
cblr-14250	989	56	1960	1960	NUM
cblr-14250	989	57	,	,	PUNCT
cblr-14250	989	58	was	be	AUX
cblr-14250	989	59	all	all	PRON
cblr-14250	989	60	banks	bank	NOUN
cblr-14250	989	61	everywhere	everywhere	ADV
cblr-14250	989	62	.	.	PUNCT
cblr-14250	990	1	the	the	DET
cblr-14250	990	2	resulting	result	VERB
cblr-14250	990	3	bank	bank	NOUN
cblr-14250	990	4	merger	merger	PROPN
cblr-14250	990	5	act	act	NOUN
cblr-14250	990	6	of	of	ADP
cblr-14250	990	7	1960	1960	NUM
cblr-14250	990	8	contained	contain	VERB
cblr-14250	990	9	several	several	ADJ
cblr-14250	990	10	major	major	ADJ
cblr-14250	990	11	provisions	provision	NOUN
cblr-14250	990	12	that	that	PRON
cblr-14250	990	13	extended	extend	VERB
cblr-14250	990	14	discretionary	discretionary	ADJ
cblr-14250	990	15	bank	bank	NOUN
cblr-14250	990	16	supervision	supervision	NOUN
cblr-14250	990	17	via	via	ADP
cblr-14250	990	18	antitrust	antitrust	ADJ
cblr-14250	990	19	.	.	PUNCT
cblr-14250	991	1	first	first	ADV
cblr-14250	991	2	,	,	PUNCT
cblr-14250	991	3	the	the	DET
cblr-14250	991	4	law	law	NOUN
cblr-14250	991	5	rationalized	rationalize	VERB
cblr-14250	991	6	the	the	DET
cblr-14250	991	7	merger	merger	NOUN
cblr-14250	991	8	approval	approval	NOUN
cblr-14250	991	9	process	process	NOUN
cblr-14250	991	10	through	through	ADP
cblr-14250	991	11	the	the	DET
cblr-14250	991	12	three	three	NUM
cblr-14250	991	13	federal	federal	ADJ
cblr-14250	991	14	banking	banking	NOUN
cblr-14250	991	15	regulators	regulator	NOUN
cblr-14250	991	16	:	:	PUNCT
cblr-14250	991	17	the	the	DET
cblr-14250	991	18	comptroller	comptroller	NOUN
cblr-14250	991	19	if	if	SCONJ
cblr-14250	991	20	the	the	DET
cblr-14250	991	21	merged	merged	ADJ
cblr-14250	991	22	bank	bank	NOUN
cblr-14250	991	23	continued	continue	VERB
cblr-14250	991	24	with	with	ADP
cblr-14250	991	25	a	a	DET
cblr-14250	991	26	national	national	ADJ
cblr-14250	991	27	charter	charter	NOUN
cblr-14250	991	28	,	,	PUNCT
cblr-14250	991	29	the	the	DET
cblr-14250	991	30	fed	fed	PROPN
cblr-14250	991	31	if	if	SCONJ
cblr-14250	991	32	the	the	DET
cblr-14250	991	33	resulting	result	VERB
cblr-14250	991	34	bank	bank	NOUN
cblr-14250	991	35	were	be	AUX
cblr-14250	991	36	a	a	DET
cblr-14250	991	37	state	state	NOUN
cblr-14250	991	38	member	member	NOUN
cblr-14250	991	39	bank	bank	NOUN
cblr-14250	991	40	,	,	PUNCT
cblr-14250	991	41	and	and	CCONJ
cblr-14250	991	42	the	the	DET
cblr-14250	991	43	fdic	fdic	PROPN
cblr-14250	991	44	if	if	SCONJ
cblr-14250	991	45	the	the	DET
cblr-14250	991	46	resulting	result	VERB
cblr-14250	991	47	bank	bank	NOUN
cblr-14250	991	48	were	be	AUX
cblr-14250	991	49	a	a	DET
cblr-14250	991	50	state	state	NOUN
cblr-14250	991	51	nonmember	nonmember	PROPN
cblr-14250	991	52	bank	bank	PROPN
cblr-14250	991	53	.	.	PUNCT
cblr-14250	992	1	second	second	ADV
cblr-14250	992	2	,	,	PUNCT
cblr-14250	992	3	there	there	PRON
cblr-14250	992	4	would	would	AUX
cblr-14250	992	5	be	be	AUX
cblr-14250	992	6	no	no	DET
cblr-14250	992	7	public	public	ADJ
cblr-14250	992	8	hearing	hearing	NOUN
cblr-14250	992	9	for	for	SCONJ
cblr-14250	992	10	banks	bank	NOUN
cblr-14250	992	11	to	to	PART
cblr-14250	992	12	challenge	challenge	VERB
cblr-14250	992	13	the	the	DET
cblr-14250	992	14	supervisory	supervisory	ADJ
cblr-14250	992	15	determination	determination	NOUN
cblr-14250	992	16	on	on	ADP
cblr-14250	992	17	mergers	merger	NOUN
cblr-14250	992	18	,	,	PUNCT
cblr-14250	992	19	nor	nor	CCONJ
cblr-14250	992	20	for	for	SCONJ
cblr-14250	992	21	merger	merger	NOUN
cblr-14250	992	22	opponents	opponent	NOUN
cblr-14250	992	23	to	to	PART
cblr-14250	992	24	air	air	VERB
cblr-14250	992	25	their	their	PRON
cblr-14250	992	26	views	view	NOUN
cblr-14250	992	27	.	.	PUNCT
cblr-14250	993	1	a	a	DET
cblr-14250	993	2	notice	notice	NOUN
cblr-14250	993	3	of	of	ADP
cblr-14250	993	4	the	the	DET
cblr-14250	993	5	intention	intention	NOUN
cblr-14250	993	6	to	to	PART
cblr-14250	993	7	merge	merge	VERB
cblr-14250	993	8	,	,	PUNCT
cblr-14250	993	9	published	publish	VERB
cblr-14250	993	10	in	in	ADP
cblr-14250	993	11	the	the	DET
cblr-14250	993	12	newspaper	newspaper	NOUN
cblr-14250	993	13	,	,	PUNCT
cblr-14250	993	14	with	with	ADP
cblr-14250	993	15	supervisory	supervisory	ADJ
cblr-14250	993	16	approval	approval	NOUN
cblr-14250	993	17	was	be	AUX
cblr-14250	993	18	the	the	DET
cblr-14250	993	19	outcome	outcome	NOUN
cblr-14250	993	20	instead.164	instead.164	NOUN
cblr-14250	993	21	third	third	NOUN
cblr-14250	993	22	,	,	PUNCT
cblr-14250	993	23	building	build	VERB
cblr-14250	993	24	on	on	ADP
cblr-14250	993	25	the	the	DET
cblr-14250	993	26	existing	exist	VERB
cblr-14250	993	27	complexity	complexity	NOUN
cblr-14250	993	28	of	of	ADP
cblr-14250	993	29	state	state	NOUN
cblr-14250	993	30	merger	merger	NOUN
cblr-14250	993	31	policy	policy	NOUN
cblr-14250	993	32	,	,	PUNCT
cblr-14250	993	33	the	the	DET
cblr-14250	993	34	bma	bma	PROPN
cblr-14250	993	35	determined	determine	VERB
cblr-14250	993	36	the	the	DET
cblr-14250	993	37	relevant	relevant	ADJ
cblr-14250	993	38	factors	factor	NOUN
cblr-14250	993	39	that	that	SCONJ
cblr-14250	993	40	banking	banking	NOUN
cblr-14250	993	41	agencies	agency	NOUN
cblr-14250	993	42	would	would	AUX
cblr-14250	993	43	consider	consider	VERB
cblr-14250	993	44	.	.	PUNCT
cblr-14250	994	1	these	these	PRON
cblr-14250	994	2	not	not	PART
cblr-14250	994	3	only	only	ADV
cblr-14250	994	4	included	include	VERB
cblr-14250	994	5	the	the	DET
cblr-14250	994	6	“	"	PUNCT
cblr-14250	994	7	effect	effect	NOUN
cblr-14250	994	8	of	of	ADP
cblr-14250	994	9	the	the	DET
cblr-14250	994	10	transaction	transaction	NOUN
cblr-14250	994	11	on	on	ADP
cblr-14250	994	12	competition	competition	NOUN
cblr-14250	994	13	,	,	PUNCT
cblr-14250	994	14	”	"	PUNCT
cblr-14250	994	15	but	but	CCONJ
cblr-14250	994	16	also	also	ADV
cblr-14250	994	17	“	"	PUNCT
cblr-14250	994	18	the	the	DET
cblr-14250	994	19	financial	financial	ADJ
cblr-14250	994	20	history	history	NOUN
cblr-14250	994	21	and	and	CCONJ
cblr-14250	994	22	condition	condition	NOUN
cblr-14250	994	23	of	of	ADP
cblr-14250	994	24	each	each	PRON
cblr-14250	994	25	of	of	ADP
cblr-14250	994	26	the	the	DET
cblr-14250	994	27	banks	bank	NOUN
cblr-14250	994	28	involved	involve	VERB
cblr-14250	994	29	,	,	PUNCT
cblr-14250	994	30	.	.	PUNCT
cblr-14250	994	31	.	.	PUNCT
cblr-14250	994	32	.	.	PUNCT
cblr-14250	995	1	the	the	DET
cblr-14250	995	2	general	general	ADJ
cblr-14250	995	3	character	character	NOUN
cblr-14250	995	4	of	of	ADP
cblr-14250	995	5	its	its	PRON
cblr-14250	995	6	management	management	NOUN
cblr-14250	995	7	,	,	PUNCT
cblr-14250	995	8	the	the	DET
cblr-14250	995	9	convenience	convenience	NOUN
cblr-14250	995	10	and	and	CCONJ
cblr-14250	995	11	needs	need	NOUN
cblr-14250	995	12	of	of	ADP
cblr-14250	995	13	the	the	DET
cblr-14250	995	14	community	community	NOUN
cblr-14250	995	15	to	to	PART
cblr-14250	995	16	be	be	AUX
cblr-14250	995	17	served	serve	VERB
cblr-14250	995	18	,	,	PUNCT
cblr-14250	995	19	”	"	PUNCT
cblr-14250	995	20	among	among	ADP
cblr-14250	995	21	several	several	ADJ
cblr-14250	995	22	other	other	ADJ
cblr-14250	995	23	factors	factor	NOUN
cblr-14250	995	24	.	.	PUNCT
cblr-14250	996	1	congress	congress	PROPN
cblr-14250	996	2	offered	offer	VERB
cblr-14250	996	3	no	no	DET
cblr-14250	996	4	hint	hint	NOUN
cblr-14250	996	5	as	as	ADP
cblr-14250	996	6	to	to	ADP
cblr-14250	996	7	how	how	SCONJ
cblr-14250	996	8	such	such	ADJ
cblr-14250	996	9	factors	factor	NOUN
cblr-14250	996	10	would	would	AUX
cblr-14250	996	11	play	play	VERB
cblr-14250	996	12	off	off	ADP
cblr-14250	996	13	each	each	DET
cblr-14250	996	14	other	other	ADJ
cblr-14250	996	15	.	.	PUNCT
cblr-14250	997	1	bank	bank	NOUN
cblr-14250	997	2	supervisors	supervisor	NOUN
cblr-14250	997	3	were	be	AUX
cblr-14250	997	4	granted	grant	VERB
cblr-14250	997	5	substantial	substantial	ADJ
cblr-14250	997	6	discretion	discretion	NOUN
cblr-14250	997	7	in	in	ADP
cblr-14250	997	8	reaching	reach	VERB
cblr-14250	997	9	their	their	PRON
cblr-14250	997	10	decisions	decision	NOUN
cblr-14250	997	11	,	,	PUNCT
cblr-14250	997	12	guided	guide	VERB
cblr-14250	997	13	by	by	ADP
cblr-14250	997	14	these	these	DET
cblr-14250	997	15	broad	broad	ADJ
cblr-14250	997	16	,	,	PUNCT
cblr-14250	997	17	and	and	CCONJ
cblr-14250	997	18	sometimes	sometimes	ADV
cblr-14250	997	19	contradictory	contradictory	ADJ
cblr-14250	997	20	,	,	PUNCT
cblr-14250	997	21	factors	factor	NOUN
cblr-14250	997	22	.	.	PUNCT
cblr-14250	998	1	finally	finally	ADV
cblr-14250	998	2	,	,	PUNCT
cblr-14250	998	3	congress	congress	PROPN
cblr-14250	998	4	expected	expect	VERB
cblr-14250	998	5	,	,	PUNCT
cblr-14250	998	6	“	"	PUNCT
cblr-14250	998	7	in	in	ADP
cblr-14250	998	8	the	the	DET
cblr-14250	998	9	interest	interest	NOUN
cblr-14250	998	10	of	of	ADP
cblr-14250	998	11	uniform	uniform	ADJ
cblr-14250	998	12	standards	standard	NOUN
cblr-14250	998	13	,	,	PUNCT
cblr-14250	998	14	”	"	PUNCT
cblr-14250	998	15	the	the	DET
cblr-14250	998	16	agencies	agency	NOUN
cblr-14250	998	17	to	to	PART
cblr-14250	998	18	work	work	VERB
cblr-14250	998	19	together	together	ADV
cblr-14250	998	20	and	and	CCONJ
cblr-14250	998	21	with	with	ADP
cblr-14250	998	22	the	the	DET
cblr-14250	998	23	department	department	PROPN
cblr-14250	998	24	of	of	ADP
cblr-14250	998	25	justice	justice	PROPN
cblr-14250	998	26	(	(	PUNCT
cblr-14250	998	27	the	the	DET
cblr-14250	998	28	doj	doj	PROPN
cblr-14250	998	29	)	)	PUNCT
cblr-14250	998	30	by	by	ADP
cblr-14250	998	31	requiring	require	VERB
cblr-14250	998	32	each	each	DET
cblr-14250	998	33	agency	agency	NOUN
cblr-14250	998	34	and	and	CCONJ
cblr-14250	998	35	the	the	DET
cblr-14250	998	36	doj	doj	PROPN
cblr-14250	998	37	to	to	PART
cblr-14250	998	38	comment	comment	VERB
cblr-14250	998	39	on	on	ADP
cblr-14250	998	40	every	every	DET
cblr-14250	998	41	merger	merger	NOUN
cblr-14250	998	42	before	before	ADP
cblr-14250	998	43	any	any	DET
cblr-14250	998	44	one	one	NUM
cblr-14250	998	45	of	of	ADP
cblr-14250	998	46	the	the	DET
cblr-14250	998	47	163	163	NUM
cblr-14250	998	48	hearings	hearing	NOUN
cblr-14250	998	49	on	on	ADP
cblr-14250	998	50	s.	s.	PROPN
cblr-14250	998	51	1062	1062	NUM
cblr-14250	998	52	,	,	PUNCT
cblr-14250	998	53	regulation	regulation	NOUN
cblr-14250	998	54	of	of	ADP
cblr-14250	998	55	bank	bank	NOUN
cblr-14250	998	56	mergers	merger	NOUN
cblr-14250	998	57	before	before	ADP
cblr-14250	998	58	the	the	DET
cblr-14250	998	59	s.	s.	PROPN
cblr-14250	998	60	comm	comm	NOUN
cblr-14250	998	61	.	.	PUNCT
cblr-14250	999	1	on	on	ADP
cblr-14250	999	2	banking	banking	NOUN
cblr-14250	999	3	and	and	CCONJ
cblr-14250	999	4	currency	currency	NOUN
cblr-14250	999	5	,	,	PUNCT
cblr-14250	999	6	86th	86th	ADJ
cblr-14250	999	7	cong	cong	NOUN
cblr-14250	999	8	.	.	PUNCT
cblr-14250	1000	1	183	183	NUM
cblr-14250	1000	2	(	(	PUNCT
cblr-14250	1000	3	1959	1959	NUM
cblr-14250	1000	4	)	)	PUNCT
cblr-14250	1000	5	.	.	PUNCT
cblr-14250	1001	1	our	our	PRON
cblr-14250	1001	2	thanks	thank	NOUN
cblr-14250	1001	3	to	to	ADP
cblr-14250	1001	4	andrew	andrew	PROPN
cblr-14250	1001	5	baker	baker	PROPN
cblr-14250	1001	6	for	for	ADP
cblr-14250	1001	7	his	his	PRON
cblr-14250	1001	8	help	help	NOUN
cblr-14250	1001	9	recreating	recreate	VERB
cblr-14250	1001	10	this	this	DET
cblr-14250	1001	11	chart	chart	NOUN
cblr-14250	1001	12	.	.	PUNCT
cblr-14250	1002	1	164	164	NUM
cblr-14250	1002	2	bank	bank	NOUN
cblr-14250	1002	3	merger	merger	NOUN
cblr-14250	1002	4	act	act	NOUN
cblr-14250	1002	5	of	of	ADP
cblr-14250	1002	6	1960	1960	NUM
cblr-14250	1002	7	,	,	PUNCT
cblr-14250	1002	8	pub	pub	NOUN
cblr-14250	1002	9	.	.	PUNCT
cblr-14250	1003	1	l.	l.	PROPN
cblr-14250	1003	2	no	no	INTJ
cblr-14250	1003	3	.	.	PROPN
cblr-14250	1004	1	86	86	NUM
cblr-14250	1004	2	-	-	SYM
cblr-14250	1004	3	463	463	NUM
cblr-14250	1004	4	,	,	PUNCT
cblr-14250	1004	5	may	may	AUX
cblr-14250	1004	6	13	13	NUM
cblr-14250	1004	7	,	,	PUNCT
cblr-14250	1004	8	1960	1960	NUM
cblr-14250	1004	9	.	.	PUNCT
cblr-14250	1005	1	for	for	ADP
cblr-14250	1005	2	the	the	DET
cblr-14250	1005	3	debate	debate	NOUN
cblr-14250	1005	4	that	that	PRON
cblr-14250	1005	5	led	lead	VERB
cblr-14250	1005	6	to	to	ADP
cblr-14250	1005	7	the	the	DET
cblr-14250	1005	8	defeat	defeat	NOUN
cblr-14250	1005	9	of	of	ADP
cblr-14250	1005	10	public	public	ADJ
cblr-14250	1005	11	hearings	hearing	NOUN
cblr-14250	1005	12	,	,	PUNCT
cblr-14250	1005	13	see	see	VERB
cblr-14250	1005	14	105	105	NUM
cblr-14250	1005	15	cong	cong	NOUN
cblr-14250	1005	16	.	.	PUNCT
cblr-14250	1006	1	rec	rec	PROPN
cblr-14250	1006	2	.	.	PROPN
cblr-14250	1006	3	8125	8125	NUM
cblr-14250	1006	4	,	,	PUNCT
cblr-14250	1006	5	8143–44	8143–44	NUM
cblr-14250	1006	6	(	(	PUNCT
cblr-14250	1006	7	1959	1959	NUM
cblr-14250	1006	8	)	)	PUNCT
cblr-14250	1006	9	(	(	PUNCT
cblr-14250	1006	10	statement	statement	NOUN
cblr-14250	1006	11	of	of	ADP
cblr-14250	1006	12	j.	j.	PROPN
cblr-14250	1006	13	william	william	PROPN
cblr-14250	1006	14	fulbright	fulbright	PROPN
cblr-14250	1006	15	)	)	PUNCT
cblr-14250	1006	16	.	.	PUNCT
cblr-14250	1007	1	204	204	NUM
cblr-14250	1007	2	columbia	columbia	PROPN
cblr-14250	1007	3	business	business	NOUN
cblr-14250	1007	4	law	law	PROPN
cblr-14250	1007	5	review	review	NOUN
cblr-14250	1007	6	[	[	X
cblr-14250	1007	7	vol	vol	NOUN
cblr-14250	1007	8	.	.	PUNCT
cblr-14250	1007	9	2025	2025	NUM
cblr-14250	1007	10	other	other	ADJ
cblr-14250	1007	11	agencies	agency	NOUN
cblr-14250	1007	12	(	(	PUNCT
cblr-14250	1007	13	absent	absent	VERB
cblr-14250	1007	14	a	a	DET
cblr-14250	1007	15	showing	showing	NOUN
cblr-14250	1007	16	of	of	ADP
cblr-14250	1007	17	emergency	emergency	NOUN
cblr-14250	1007	18	)	)	PUNCT
cblr-14250	1007	19	.	.	PUNCT
cblr-14250	1008	1	these	these	DET
cblr-14250	1008	2	opinions	opinion	NOUN
cblr-14250	1008	3	were	be	AUX
cblr-14250	1008	4	advisory	advisory	ADJ
cblr-14250	1008	5	;	;	PUNCT
cblr-14250	1008	6	only	only	ADV
cblr-14250	1008	7	the	the	DET
cblr-14250	1008	8	relevant	relevant	ADJ
cblr-14250	1008	9	banking	banking	NOUN
cblr-14250	1008	10	agency	agency	NOUN
cblr-14250	1008	11	could	could	AUX
cblr-14250	1008	12	approve	approve	VERB
cblr-14250	1008	13	or	or	CCONJ
cblr-14250	1008	14	prohibit	prohibit	VERB
cblr-14250	1008	15	a	a	DET
cblr-14250	1008	16	given	give	VERB
cblr-14250	1008	17	merger	merger	NOUN
cblr-14250	1008	18	,	,	PUNCT
cblr-14250	1008	19	depending	depend	VERB
cblr-14250	1008	20	on	on	ADP
cblr-14250	1008	21	its	its	PRON
cblr-14250	1008	22	charter	charter	NOUN
cblr-14250	1008	23	and	and	CCONJ
cblr-14250	1008	24	membership	membership	NOUN
cblr-14250	1008	25	in	in	ADP
cblr-14250	1008	26	the	the	DET
cblr-14250	1008	27	federal	federal	PROPN
cblr-14250	1008	28	reserve	reserve	PROPN
cblr-14250	1008	29	system	system	NOUN
cblr-14250	1008	30	.	.	PUNCT
cblr-14250	1009	1	but	but	CCONJ
cblr-14250	1009	2	each	each	DET
cblr-14250	1009	3	agency	agency	NOUN
cblr-14250	1009	4	was	be	AUX
cblr-14250	1009	5	to	to	PART
cblr-14250	1009	6	inform	inform	VERB
cblr-14250	1009	7	the	the	DET
cblr-14250	1009	8	others	other	NOUN
cblr-14250	1009	9	of	of	ADP
cblr-14250	1009	10	their	their	PRON
cblr-14250	1009	11	respective	respective	ADJ
cblr-14250	1009	12	views	view	NOUN
cblr-14250	1009	13	.	.	PUNCT
cblr-14250	1010	1	almost	almost	ADV
cblr-14250	1010	2	as	as	ADV
cblr-14250	1010	3	soon	soon	ADV
cblr-14250	1010	4	as	as	SCONJ
cblr-14250	1010	5	it	it	PRON
cblr-14250	1010	6	began	begin	VERB
cblr-14250	1010	7	,	,	PUNCT
cblr-14250	1010	8	the	the	DET
cblr-14250	1010	9	1960	1960	NUM
cblr-14250	1010	10	act	act	NOUN
cblr-14250	1010	11	invited	invite	VERB
cblr-14250	1010	12	the	the	DET
cblr-14250	1010	13	various	various	ADJ
cblr-14250	1010	14	parties	party	NOUN
cblr-14250	1010	15	to	to	PART
cblr-14250	1010	16	struggle	struggle	VERB
cblr-14250	1010	17	for	for	ADP
cblr-14250	1010	18	dominance	dominance	NOUN
cblr-14250	1010	19	.	.	PUNCT
cblr-14250	1011	1	the	the	DET
cblr-14250	1011	2	biggest	big	ADJ
cblr-14250	1011	3	fight	fight	NOUN
cblr-14250	1011	4	was	be	AUX
cblr-14250	1011	5	between	between	ADP
cblr-14250	1011	6	the	the	DET
cblr-14250	1011	7	comptroller	comptroller	NOUN
cblr-14250	1011	8	of	of	ADP
cblr-14250	1011	9	the	the	DET
cblr-14250	1011	10	currency	currency	NOUN
cblr-14250	1011	11	,	,	PUNCT
cblr-14250	1011	12	which	which	PRON
cblr-14250	1011	13	sought	seek	VERB
cblr-14250	1011	14	to	to	PART
cblr-14250	1011	15	approve	approve	VERB
cblr-14250	1011	16	mergers	merger	NOUN
cblr-14250	1011	17	that	that	PRON
cblr-14250	1011	18	would	would	AUX
cblr-14250	1011	19	increase	increase	VERB
cblr-14250	1011	20	its	its	PRON
cblr-14250	1011	21	own	own	ADJ
cblr-14250	1011	22	regulatory	regulatory	ADJ
cblr-14250	1011	23	footprint	footprint	NOUN
cblr-14250	1011	24	,	,	PUNCT
cblr-14250	1011	25	against	against	ADP
cblr-14250	1011	26	the	the	DET
cblr-14250	1011	27	doj	doj	PROPN
cblr-14250	1011	28	that	that	PRON
cblr-14250	1011	29	sought	seek	VERB
cblr-14250	1011	30	a	a	DET
cblr-14250	1011	31	more	more	ADV
cblr-14250	1011	32	aggressive	aggressive	ADJ
cblr-14250	1011	33	role	role	NOUN
cblr-14250	1011	34	in	in	ADP
cblr-14250	1011	35	passing	pass	VERB
cblr-14250	1011	36	on	on	ADP
cblr-14250	1011	37	the	the	DET
cblr-14250	1011	38	legality	legality	NOUN
cblr-14250	1011	39	of	of	ADP
cblr-14250	1011	40	proposed	propose	VERB
cblr-14250	1011	41	mergers	merger	NOUN
cblr-14250	1011	42	.	.	PUNCT
cblr-14250	1012	1	in	in	ADP
cblr-14250	1012	2	four	four	NUM
cblr-14250	1012	3	instances	instance	NOUN
cblr-14250	1012	4	,	,	PUNCT
cblr-14250	1012	5	the	the	DET
cblr-14250	1012	6	doj	doj	PROPN
cblr-14250	1012	7	disagreed	disagree	VERB
cblr-14250	1012	8	with	with	ADP
cblr-14250	1012	9	the	the	DET
cblr-14250	1012	10	comptroller	comptroller	NOUN
cblr-14250	1012	11	on	on	ADP
cblr-14250	1012	12	the	the	DET
cblr-14250	1012	13	mergers	merger	NOUN
cblr-14250	1012	14	,	,	PUNCT
cblr-14250	1012	15	prompting	prompt	VERB
cblr-14250	1012	16	the	the	DET
cblr-14250	1012	17	comptroller	comptroller	NOUN
cblr-14250	1012	18	to	to	PART
cblr-14250	1012	19	approve	approve	VERB
cblr-14250	1012	20	the	the	DET
cblr-14250	1012	21	mergers	merger	NOUN
cblr-14250	1012	22	formally	formally	ADV
cblr-14250	1012	23	and	and	CCONJ
cblr-14250	1012	24	the	the	DET
cblr-14250	1012	25	attorney	attorney	NOUN
cblr-14250	1012	26	general	general	NOUN
cblr-14250	1012	27	to	to	PART
cblr-14250	1012	28	sue	sue	VERB
cblr-14250	1012	29	in	in	ADP
cblr-14250	1012	30	federal	federal	ADJ
cblr-14250	1012	31	court	court	NOUN
cblr-14250	1012	32	.	.	PUNCT
cblr-14250	1013	1	the	the	DET
cblr-14250	1013	2	courts	court	NOUN
cblr-14250	1013	3	sided	side	VERB
cblr-14250	1013	4	with	with	ADP
cblr-14250	1013	5	the	the	DET
cblr-14250	1013	6	doj	doj	PROPN
cblr-14250	1013	7	,	,	PUNCT
cblr-14250	1013	8	leading	lead	VERB
cblr-14250	1013	9	to	to	ADP
cblr-14250	1013	10	two	two	NUM
cblr-14250	1013	11	major	major	ADJ
cblr-14250	1013	12	determinations	determination	NOUN
cblr-14250	1013	13	by	by	ADP
cblr-14250	1013	14	the	the	DET
cblr-14250	1013	15	supreme	supreme	PROPN
cblr-14250	1013	16	court	court	PROPN
cblr-14250	1013	17	that	that	SCONJ
cblr-14250	1013	18	the	the	DET
cblr-14250	1013	19	doj	doj	PROPN
cblr-14250	1013	20	would	would	AUX
cblr-14250	1013	21	reign	reign	VERB
cblr-14250	1013	22	supreme	supreme	ADV
cblr-14250	1013	23	in	in	ADP
cblr-14250	1013	24	bank	bank	NOUN
cblr-14250	1013	25	antitrust	antitrust	ADJ
cblr-14250	1013	26	policy.165	policy.165	NOUN
cblr-14250	1013	27	after	after	ADP
cblr-14250	1013	28	these	these	DET
cblr-14250	1013	29	major	major	ADJ
cblr-14250	1013	30	reversals	reversal	NOUN
cblr-14250	1013	31	in	in	ADP
cblr-14250	1013	32	court	court	NOUN
cblr-14250	1013	33	,	,	PUNCT
cblr-14250	1013	34	congress	congress	PROPN
cblr-14250	1013	35	took	take	VERB
cblr-14250	1013	36	notice	notice	NOUN
cblr-14250	1013	37	and	and	CCONJ
cblr-14250	1013	38	launched	launch	VERB
cblr-14250	1013	39	a	a	DET
cblr-14250	1013	40	legislative	legislative	ADJ
cblr-14250	1013	41	process	process	NOUN
cblr-14250	1013	42	that	that	PRON
cblr-14250	1013	43	contemporaries	contemporary	NOUN
cblr-14250	1013	44	would	would	AUX
cblr-14250	1013	45	regard	regard	VERB
cblr-14250	1013	46	“	"	PUNCT
cblr-14250	1013	47	as	as	ADV
cblr-14250	1013	48	bizarre	bizarre	ADJ
cblr-14250	1013	49	as	as	ADP
cblr-14250	1013	50	that	that	PRON
cblr-14250	1013	51	of	of	ADP
cblr-14250	1013	52	any	any	DET
cblr-14250	1013	53	statute	statute	NOUN
cblr-14250	1013	54	ever	ever	ADV
cblr-14250	1013	55	passed	pass	VERB
cblr-14250	1013	56	.	.	PUNCT
cblr-14250	1013	57	”166	”166	NOUN
cblr-14250	1014	1	it	it	PRON
cblr-14250	1014	2	began	begin	VERB
cblr-14250	1014	3	when	when	SCONJ
cblr-14250	1014	4	the	the	DET
cblr-14250	1014	5	lead	lead	ADJ
cblr-14250	1014	6	author	author	NOUN
cblr-14250	1014	7	of	of	ADP
cblr-14250	1014	8	the	the	DET
cblr-14250	1014	9	bank	bank	NOUN
cblr-14250	1014	10	merger	merger	PROPN
cblr-14250	1014	11	act	act	NOUN
cblr-14250	1014	12	of	of	ADP
cblr-14250	1014	13	1960	1960	NUM
cblr-14250	1014	14	,	,	PUNCT
cblr-14250	1014	15	willis	willis	PROPN
cblr-14250	1014	16	robertson	robertson	PROPN
cblr-14250	1014	17	(	(	PUNCT
cblr-14250	1014	18	democratic	democratic	ADJ
cblr-14250	1014	19	senator	senator	NOUN
cblr-14250	1014	20	of	of	ADP
cblr-14250	1014	21	virginia	virginia	PROPN
cblr-14250	1014	22	)	)	PUNCT
cblr-14250	1014	23	declared	declare	VERB
cblr-14250	1014	24	the	the	DET
cblr-14250	1014	25	supreme	supreme	PROPN
cblr-14250	1014	26	court	court	PROPN
cblr-14250	1014	27	’s	’s	PART
cblr-14250	1014	28	interpretations	interpretation	NOUN
cblr-14250	1014	29	of	of	ADP
cblr-14250	1014	30	the	the	DET
cblr-14250	1014	31	statutory	statutory	ADJ
cblr-14250	1014	32	text	text	NOUN
cblr-14250	1014	33	“	"	PUNCT
cblr-14250	1014	34	erroneous	erroneous	ADJ
cblr-14250	1014	35	”	"	PUNCT
cblr-14250	1014	36	and	and	CCONJ
cblr-14250	1014	37	in	in	ADP
cblr-14250	1014	38	need	need	NOUN
cblr-14250	1014	39	of	of	ADP
cblr-14250	1014	40	clarification	clarification	NOUN
cblr-14250	1014	41	so	so	SCONJ
cblr-14250	1014	42	that	that	SCONJ
cblr-14250	1014	43	the	the	DET
cblr-14250	1014	44	court	court	NOUN
cblr-14250	1014	45	would	would	AUX
cblr-14250	1014	46	recognize	recognize	VERB
cblr-14250	1014	47	bank	bank	NOUN
cblr-14250	1014	48	mergers	merger	NOUN
cblr-14250	1014	49	as	as	ADP
cblr-14250	1014	50	belonging	belong	VERB
cblr-14250	1014	51	to	to	ADP
cblr-14250	1014	52	a	a	DET
cblr-14250	1014	53	different	different	ADJ
cblr-14250	1014	54	tradition	tradition	NOUN
cblr-14250	1014	55	than	than	ADP
cblr-14250	1014	56	antitrust	antitrust	ADJ
cblr-14250	1014	57	.	.	PUNCT
cblr-14250	1015	1	through	through	ADP
cblr-14250	1015	2	twists	twist	NOUN
cblr-14250	1015	3	and	and	CCONJ
cblr-14250	1015	4	turns	turn	NOUN
cblr-14250	1015	5	,	,	PUNCT
cblr-14250	1015	6	intraparty	intraparty	NOUN
cblr-14250	1015	7	fights	fight	NOUN
cblr-14250	1015	8	and	and	CCONJ
cblr-14250	1015	9	betrayals	betrayal	NOUN
cblr-14250	1015	10	,	,	PUNCT
cblr-14250	1015	11	congress	congress	PROPN
cblr-14250	1015	12	enacted	enact	VERB
cblr-14250	1015	13	the	the	DET
cblr-14250	1015	14	bank	bank	NOUN
cblr-14250	1015	15	merger	merger	PROPN
cblr-14250	1015	16	act	act	PROPN
cblr-14250	1015	17	amendments	amendment	NOUN
cblr-14250	1015	18	of	of	ADP
cblr-14250	1015	19	1966	1966	NUM
cblr-14250	1015	20	to	to	PART
cblr-14250	1015	21	clarify	clarify	VERB
cblr-14250	1015	22	the	the	DET
cblr-14250	1015	23	predominance	predominance	NOUN
cblr-14250	1015	24	of	of	ADP
cblr-14250	1015	25	bank	bank	NOUN
cblr-14250	1015	26	supervision	supervision	NOUN
cblr-14250	1015	27	in	in	ADP
cblr-14250	1015	28	antitrust	antitrust	ADJ
cblr-14250	1015	29	review	review	NOUN
cblr-14250	1015	30	.	.	PUNCT
cblr-14250	1016	1	the	the	DET
cblr-14250	1016	2	new	new	ADJ
cblr-14250	1016	3	framework	framework	NOUN
cblr-14250	1016	4	,	,	PUNCT
cblr-14250	1016	5	which	which	PRON
cblr-14250	1016	6	has	have	AUX
cblr-14250	1016	7	lasted	last	VERB
cblr-14250	1016	8	mostly	mostly	ADV
cblr-14250	1016	9	unchanged	unchanged	ADJ
cblr-14250	1016	10	in	in	ADP
cblr-14250	1016	11	the	the	DET
cblr-14250	1016	12	half	half	ADJ
cblr-14250	1016	13	century	century	NOUN
cblr-14250	1016	14	since	since	SCONJ
cblr-14250	1016	15	its	its	PRON
cblr-14250	1016	16	passage	passage	NOUN
cblr-14250	1016	17	,	,	PUNCT
cblr-14250	1016	18	gives	give	VERB
cblr-14250	1016	19	supervisors	supervisor	NOUN
cblr-14250	1016	20	the	the	DET
cblr-14250	1016	21	first	first	ADJ
cblr-14250	1016	22	cut	cut	NOUN
cblr-14250	1016	23	on	on	ADP
cblr-14250	1016	24	evaluating	evaluate	VERB
cblr-14250	1016	25	bank	bank	NOUN
cblr-14250	1016	26	mergers	merger	NOUN
cblr-14250	1016	27	against	against	ADP
cblr-14250	1016	28	a	a	DET
cblr-14250	1016	29	variety	variety	NOUN
cblr-14250	1016	30	of	of	ADP
cblr-14250	1016	31	factors	factor	NOUN
cblr-14250	1016	32	,	,	PUNCT
cblr-14250	1016	33	with	with	ADP
cblr-14250	1016	34	the	the	DET
cblr-14250	1016	35	doj	doj	PROPN
cblr-14250	1016	36	having	have	VERB
cblr-14250	1016	37	one	one	NUM
cblr-14250	1016	38	165	165	NUM
cblr-14250	1016	39	the	the	DET
cblr-14250	1016	40	two	two	NUM
cblr-14250	1016	41	principal	principal	ADJ
cblr-14250	1016	42	cases	case	NOUN
cblr-14250	1016	43	were	be	AUX
cblr-14250	1016	44	united	united	ADJ
cblr-14250	1016	45	states	states	PROPN
cblr-14250	1016	46	v.	v.	CCONJ
cblr-14250	1016	47	first	first	PROPN
cblr-14250	1016	48	nat’l	nat’l	PROPN
cblr-14250	1016	49	bank	bank	PROPN
cblr-14250	1016	50	&	&	CCONJ
cblr-14250	1016	51	tr	tr	PROPN
cblr-14250	1016	52	.	.	PROPN
cblr-14250	1016	53	co.	co.	PROPN
cblr-14250	1016	54	of	of	ADP
cblr-14250	1016	55	lexington	lexington	PROPN
cblr-14250	1016	56	,	,	PUNCT
cblr-14250	1016	57	376	376	NUM
cblr-14250	1016	58	u.s	u.s	PROPN
cblr-14250	1016	59	.	.	PROPN
cblr-14250	1016	60	665	665	NUM
cblr-14250	1016	61	,	,	PUNCT
cblr-14250	1016	62	679	679	NUM
cblr-14250	1016	63	(	(	PUNCT
cblr-14250	1016	64	1964	1964	NUM
cblr-14250	1016	65	)	)	PUNCT
cblr-14250	1016	66	and	and	CCONJ
cblr-14250	1016	67	united	united	PROPN
cblr-14250	1016	68	states	states	PROPN
cblr-14250	1016	69	v.	v.	ADP
cblr-14250	1016	70	phila	phila	PROPN
cblr-14250	1016	71	.	.	PUNCT
cblr-14250	1017	1	nat’l	nat’l	PROPN
cblr-14250	1017	2	bank	bank	PROPN
cblr-14250	1017	3	,	,	PUNCT
cblr-14250	1017	4	374	374	NUM
cblr-14250	1017	5	u.s	u.s	PROPN
cblr-14250	1017	6	.	.	PROPN
cblr-14250	1017	7	321	321	NUM
cblr-14250	1017	8	,	,	PUNCT
cblr-14250	1017	9	350	350	NUM
cblr-14250	1017	10	(	(	PUNCT
cblr-14250	1017	11	1963	1963	NUM
cblr-14250	1017	12	)	)	PUNCT
cblr-14250	1017	13	.	.	PUNCT
cblr-14250	1018	1	166	166	NUM
cblr-14250	1018	2	david	david	PROPN
cblr-14250	1018	3	t.	t.	PROPN
cblr-14250	1018	4	searls	searls	PROPN
cblr-14250	1018	5	&	&	CCONJ
cblr-14250	1018	6	harry	harry	PROPN
cblr-14250	1018	7	m.	m.	PROPN
cblr-14250	1018	8	reasoner	reasoner	NOUN
cblr-14250	1018	9	,	,	PUNCT
cblr-14250	1018	10	the	the	DET
cblr-14250	1018	11	bank	bank	NOUN
cblr-14250	1018	12	merger	merger	PROPN
cblr-14250	1018	13	act	act	NOUN
cblr-14250	1018	14	of	of	ADP
cblr-14250	1018	15	1966	1966	NUM
cblr-14250	1018	16	:	:	PUNCT
cblr-14250	1018	17	its	its	PRON
cblr-14250	1018	18	strange	strange	ADJ
cblr-14250	1018	19	and	and	CCONJ
cblr-14250	1018	20	fruitless	fruitless	ADJ
cblr-14250	1018	21	odyssey	odyssey	ADJ
cblr-14250	1018	22	,	,	PUNCT
cblr-14250	1018	23	25	25	NUM
cblr-14250	1018	24	bus	bus	NOUN
cblr-14250	1018	25	.	.	PUNCT
cblr-14250	1019	1	l.	l.	PROPN
cblr-14250	1019	2	133	133	NUM
cblr-14250	1019	3	,	,	PUNCT
cblr-14250	1019	4	139	139	NUM
cblr-14250	1019	5	(	(	PUNCT
cblr-14250	1019	6	1969	1969	NUM
cblr-14250	1019	7	)	)	PUNCT
cblr-14250	1019	8	.	.	PUNCT
cblr-14250	1020	1	no	no	INTJ
cblr-14250	1020	2	.	.	NOUN
cblr-14250	1020	3	1	1	NUM
cblr-14250	1020	4	]	]	PUNCT
cblr-14250	1020	5	risk	risk	NOUN
cblr-14250	1020	6	,	,	PUNCT
cblr-14250	1020	7	discretion	discretion	NOUN
cblr-14250	1020	8	,	,	PUNCT
cblr-14250	1020	9	and	and	CCONJ
cblr-14250	1020	10	bank	bank	NOUN
cblr-14250	1020	11	supervision	supervision	NOUN
cblr-14250	1020	12	205	205	NUM
cblr-14250	1020	13	month	month	NOUN
cblr-14250	1020	14	to	to	PART
cblr-14250	1020	15	review	review	VERB
cblr-14250	1020	16	approved	approve	VERB
cblr-14250	1020	17	deals	deal	NOUN
cblr-14250	1020	18	for	for	ADP
cblr-14250	1020	19	any	any	DET
cblr-14250	1020	20	potential	potential	ADJ
cblr-14250	1020	21	antitrust	antitrust	ADJ
cblr-14250	1020	22	violation	violation	NOUN
cblr-14250	1020	23	.	.	PUNCT
cblr-14250	1021	1	the	the	DET
cblr-14250	1021	2	court	court	NOUN
cblr-14250	1021	3	’s	’s	PART
cblr-14250	1021	4	jurisprudential	jurisprudential	ADJ
cblr-14250	1021	5	shift	shift	NOUN
cblr-14250	1021	6	away	away	ADV
cblr-14250	1021	7	from	from	ADP
cblr-14250	1021	8	antitrust	antitrust	ADJ
cblr-14250	1021	9	enforcement	enforcement	NOUN
cblr-14250	1021	10	in	in	ADP
cblr-14250	1021	11	the	the	DET
cblr-14250	1021	12	1980s	1980s	NUM
cblr-14250	1021	13	was	be	AUX
cblr-14250	1021	14	the	the	DET
cblr-14250	1021	15	last	last	ADJ
cblr-14250	1021	16	major	major	ADJ
cblr-14250	1021	17	change	change	NOUN
cblr-14250	1021	18	that	that	PRON
cblr-14250	1021	19	left	leave	VERB
cblr-14250	1021	20	bank	bank	NOUN
cblr-14250	1021	21	mergers	merger	NOUN
cblr-14250	1021	22	almost	almost	ADV
cblr-14250	1021	23	exclusively	exclusively	ADV
cblr-14250	1021	24	in	in	ADP
cblr-14250	1021	25	the	the	DET
cblr-14250	1021	26	hands	hand	NOUN
cblr-14250	1021	27	of	of	ADP
cblr-14250	1021	28	bank	bank	NOUN
cblr-14250	1021	29	regulators	regulator	NOUN
cblr-14250	1021	30	.	.	PUNCT
cblr-14250	1022	1	this	this	DET
cblr-14250	1022	2	shift	shift	NOUN
cblr-14250	1022	3	tracks	track	VERB
cblr-14250	1022	4	the	the	DET
cblr-14250	1022	5	rest	rest	NOUN
cblr-14250	1022	6	of	of	ADP
cblr-14250	1022	7	the	the	DET
cblr-14250	1022	8	approach	approach	NOUN
cblr-14250	1022	9	to	to	ADP
cblr-14250	1022	10	the	the	DET
cblr-14250	1022	11	problem	problem	NOUN
cblr-14250	1022	12	of	of	ADP
cblr-14250	1022	13	bigness	bigness	ADJ
cblr-14250	1022	14	and	and	CCONJ
cblr-14250	1022	15	concentration	concentration	NOUN
cblr-14250	1022	16	that	that	PRON
cblr-14250	1022	17	congress	congress	PROPN
cblr-14250	1022	18	took	take	VERB
cblr-14250	1022	19	in	in	ADP
cblr-14250	1022	20	banking	banking	NOUN
cblr-14250	1022	21	.	.	PUNCT
cblr-14250	1023	1	the	the	DET
cblr-14250	1023	2	conclusion	conclusion	NOUN
cblr-14250	1023	3	:	:	PUNCT
cblr-14250	1023	4	leave	leave	VERB
cblr-14250	1023	5	this	this	PRON
cblr-14250	1023	6	to	to	ADP
cblr-14250	1023	7	supervisors	supervisor	NOUN
cblr-14250	1023	8	to	to	PART
cblr-14250	1023	9	understand	understand	VERB
cblr-14250	1023	10	,	,	PUNCT
cblr-14250	1023	11	manage	manage	VERB
cblr-14250	1023	12	,	,	PUNCT
cblr-14250	1023	13	and	and	CCONJ
cblr-14250	1023	14	navigate	navigate	VERB
cblr-14250	1023	15	.	.	PUNCT
cblr-14250	1024	1	there	there	PRON
cblr-14250	1024	2	are	be	VERB
cblr-14250	1024	3	very	very	ADV
cblr-14250	1024	4	few	few	ADJ
cblr-14250	1024	5	hard	hard	ADJ
cblr-14250	1024	6	legal	legal	ADJ
cblr-14250	1024	7	standards	standard	NOUN
cblr-14250	1024	8	that	that	PRON
cblr-14250	1024	9	the	the	DET
cblr-14250	1024	10	supervisors	supervisor	NOUN
cblr-14250	1024	11	must	must	AUX
cblr-14250	1024	12	abide	abide	VERB
cblr-14250	1024	13	.	.	PUNCT
cblr-14250	1025	1	the	the	DET
cblr-14250	1025	2	fate	fate	NOUN
cblr-14250	1025	3	of	of	ADP
cblr-14250	1025	4	financial	financial	ADJ
cblr-14250	1025	5	concentration	concentration	NOUN
cblr-14250	1025	6	for	for	ADP
cblr-14250	1025	7	banking	banking	NOUN
cblr-14250	1025	8	was	be	AUX
cblr-14250	1025	9	not	not	PART
cblr-14250	1025	10	for	for	ADP
cblr-14250	1025	11	courts	court	NOUN
cblr-14250	1025	12	and	and	CCONJ
cblr-14250	1025	13	lawyers	lawyer	NOUN
cblr-14250	1025	14	and	and	CCONJ
cblr-14250	1025	15	not	not	PART
cblr-14250	1025	16	even	even	ADV
cblr-14250	1025	17	for	for	ADP
cblr-14250	1025	18	legislators	legislator	NOUN
cblr-14250	1025	19	and	and	CCONJ
cblr-14250	1025	20	regulators	regulator	NOUN
cblr-14250	1025	21	.	.	PUNCT
cblr-14250	1026	1	it	it	PRON
cblr-14250	1026	2	was	be	AUX
cblr-14250	1026	3	primarily	primarily	ADV
cblr-14250	1026	4	the	the	DET
cblr-14250	1026	5	domain	domain	NOUN
cblr-14250	1026	6	of	of	ADP
cblr-14250	1026	7	bank	bank	NOUN
cblr-14250	1026	8	supervisors	supervisor	NOUN
cblr-14250	1026	9	.	.	PUNCT
cblr-14250	1027	1	b.	b.	PROPN
cblr-14250	1027	2	supervising	supervise	VERB
cblr-14250	1027	3	consumer	consumer	NOUN
cblr-14250	1027	4	financial	financial	ADJ
cblr-14250	1027	5	protection	protection	NOUN
cblr-14250	1027	6	although	although	SCONJ
cblr-14250	1027	7	a	a	DET
cblr-14250	1027	8	major	major	ADJ
cblr-14250	1027	9	component	component	NOUN
cblr-14250	1027	10	of	of	ADP
cblr-14250	1027	11	new	new	ADJ
cblr-14250	1027	12	deal	deal	NOUN
cblr-14250	1027	13	legislation	legislation	NOUN
cblr-14250	1027	14	and	and	CCONJ
cblr-14250	1027	15	regulation	regulation	NOUN
cblr-14250	1027	16	was	be	AUX
cblr-14250	1027	17	attention	attention	NOUN
cblr-14250	1027	18	to	to	ADP
cblr-14250	1027	19	the	the	DET
cblr-14250	1027	20	“	"	PUNCT
cblr-14250	1027	21	consumer	consumer	NOUN
cblr-14250	1027	22	,	,	PUNCT
cblr-14250	1027	23	”	"	PUNCT
cblr-14250	1027	24	the	the	DET
cblr-14250	1027	25	story	story	NOUN
cblr-14250	1027	26	of	of	ADP
cblr-14250	1027	27	consumer	consumer	NOUN
cblr-14250	1027	28	financial	financial	ADJ
cblr-14250	1027	29	legislation	legislation	NOUN
cblr-14250	1027	30	as	as	ADP
cblr-14250	1027	31	part	part	NOUN
cblr-14250	1027	32	of	of	ADP
cblr-14250	1027	33	the	the	DET
cblr-14250	1027	34	supervisory	supervisory	ADJ
cblr-14250	1027	35	apparatus	apparatus	NOUN
cblr-14250	1027	36	of	of	ADP
cblr-14250	1027	37	banking	banking	NOUN
cblr-14250	1027	38	does	do	AUX
cblr-14250	1027	39	not	not	PART
cblr-14250	1027	40	begin	begin	VERB
cblr-14250	1027	41	in	in	ADP
cblr-14250	1027	42	earnest	earnest	ADJ
cblr-14250	1027	43	until	until	ADP
cblr-14250	1027	44	1968	1968	NUM
cblr-14250	1027	45	with	with	ADP
cblr-14250	1027	46	the	the	DET
cblr-14250	1027	47	passage	passage	NOUN
cblr-14250	1027	48	of	of	ADP
cblr-14250	1027	49	the	the	DET
cblr-14250	1027	50	truth	truth	NOUN
cblr-14250	1027	51	-	-	PUNCT
cblr-14250	1027	52	inlending	inlending	ADJ
cblr-14250	1027	53	act	act	NOUN
cblr-14250	1027	54	(	(	PUNCT
cblr-14250	1027	55	tila).167	tila).167	NOUN
cblr-14250	1027	56	the	the	DET
cblr-14250	1027	57	law	law	NOUN
cblr-14250	1027	58	owed	owe	VERB
cblr-14250	1027	59	its	its	PRON
cblr-14250	1027	60	genesis	genesis	NOUN
cblr-14250	1027	61	and	and	CCONJ
cblr-14250	1027	62	ultimate	ultimate	ADJ
cblr-14250	1027	63	enactment	enactment	NOUN
cblr-14250	1027	64	to	to	ADP
cblr-14250	1027	65	the	the	DET
cblr-14250	1027	66	entrepreneurial	entrepreneurial	ADJ
cblr-14250	1027	67	energy	energy	NOUN
cblr-14250	1027	68	of	of	ADP
cblr-14250	1027	69	illinois	illinois	PROPN
cblr-14250	1027	70	senator	senator	NOUN
cblr-14250	1027	71	and	and	CCONJ
cblr-14250	1027	72	former	former	ADJ
cblr-14250	1027	73	university	university	PROPN
cblr-14250	1027	74	of	of	ADP
cblr-14250	1027	75	chicago	chicago	PROPN
cblr-14250	1027	76	economist	economist	NOUN
cblr-14250	1027	77	paul	paul	PROPN
cblr-14250	1027	78	h.	h.	PROPN
cblr-14250	1027	79	douglas.168	douglas.168	PROPN
cblr-14250	1027	80	prior	prior	ADV
cblr-14250	1027	81	to	to	ADP
cblr-14250	1027	82	tila	tila	NOUN
cblr-14250	1027	83	,	,	PUNCT
cblr-14250	1027	84	consumer	consumer	NOUN
cblr-14250	1027	85	credit	credit	NOUN
cblr-14250	1027	86	regulation	regulation	NOUN
cblr-14250	1027	87	was	be	AUX
cblr-14250	1027	88	primarily	primarily	ADV
cblr-14250	1027	89	a	a	DET
cblr-14250	1027	90	state	state	NOUN
cblr-14250	1027	91	,	,	PUNCT
cblr-14250	1027	92	not	not	PART
cblr-14250	1027	93	167	167	NUM
cblr-14250	1027	94	see	see	VERB
cblr-14250	1027	95	ellis	ellis	PROPN
cblr-14250	1027	96	wayne	wayne	PROPN
cblr-14250	1027	97	hawley	hawley	PROPN
cblr-14250	1027	98	,	,	PUNCT
cblr-14250	1027	99	the	the	DET
cblr-14250	1027	100	new	new	ADJ
cblr-14250	1027	101	deal	deal	NOUN
cblr-14250	1027	102	and	and	CCONJ
cblr-14250	1027	103	the	the	DET
cblr-14250	1027	104	problem	problem	NOUN
cblr-14250	1027	105	of	of	ADP
cblr-14250	1027	106	monopoly	monopoly	NOUN
cblr-14250	1027	107	:	:	PUNCT
cblr-14250	1027	108	studying	study	VERB
cblr-14250	1027	109	economic	economic	ADJ
cblr-14250	1027	110	ambivalence	ambivalence	NOUN
cblr-14250	1027	111	(	(	PUNCT
cblr-14250	1027	112	1995	1995	NUM
cblr-14250	1027	113	)	)	PUNCT
cblr-14250	1027	114	;	;	PUNCT
cblr-14250	1027	115	meg	meg	PROPN
cblr-14250	1027	116	jacobs	jacobs	PROPN
cblr-14250	1027	117	,	,	PUNCT
cblr-14250	1027	118	pocketbook	pocketbook	NOUN
cblr-14250	1027	119	politics	politic	NOUN
cblr-14250	1027	120	:	:	PUNCT
cblr-14250	1027	121	economic	economic	ADJ
cblr-14250	1027	122	citizenship	citizenship	NOUN
cblr-14250	1027	123	in	in	ADP
cblr-14250	1027	124	twentieth	twentieth	ADJ
cblr-14250	1027	125	-	-	PUNCT
cblr-14250	1027	126	century	century	NOUN
cblr-14250	1027	127	america	america	PROPN
cblr-14250	1027	128	(	(	PUNCT
cblr-14250	1027	129	2005	2005	NUM
cblr-14250	1027	130	)	)	PUNCT
cblr-14250	1027	131	.	.	PUNCT
cblr-14250	1028	1	168	168	NUM
cblr-14250	1028	2	see	see	VERB
cblr-14250	1028	3	edward	edward	PROPN
cblr-14250	1028	4	rubin	rubin	PROPN
cblr-14250	1028	5	,	,	PUNCT
cblr-14250	1028	6	legislative	legislative	ADJ
cblr-14250	1028	7	methodology	methodology	NOUN
cblr-14250	1028	8	:	:	PUNCT
cblr-14250	1028	9	some	some	DET
cblr-14250	1028	10	lessons	lesson	NOUN
cblr-14250	1028	11	from	from	ADP
cblr-14250	1028	12	the	the	DET
cblr-14250	1028	13	truth	truth	NOUN
cblr-14250	1028	14	-	-	PUNCT
cblr-14250	1028	15	in	in	ADP
cblr-14250	1028	16	-	-	PUNCT
cblr-14250	1028	17	lending	lending	NOUN
cblr-14250	1028	18	act	act	NOUN
cblr-14250	1028	19	,	,	PUNCT
cblr-14250	1029	1	80	80	NUM
cblr-14250	1029	2	geo	geo	PROPN
cblr-14250	1029	3	.	.	PUNCT
cblr-14250	1029	4	l.j	l.j	PROPN
cblr-14250	1029	5	.	.	PROPN
cblr-14250	1029	6	233	233	NUM
cblr-14250	1029	7	,	,	PUNCT
cblr-14250	1029	8	234	234	NUM
cblr-14250	1029	9	(	(	PUNCT
cblr-14250	1029	10	1991	1991	NUM
cblr-14250	1029	11	)	)	PUNCT
cblr-14250	1029	12	(	(	PUNCT
cblr-14250	1029	13	arguing	argue	VERB
cblr-14250	1029	14	that	that	SCONJ
cblr-14250	1029	15	the	the	DET
cblr-14250	1029	16	act	act	NOUN
cblr-14250	1029	17	demonstrates	demonstrate	VERB
cblr-14250	1029	18	congress	congress	PROPN
cblr-14250	1029	19	’s	’s	PART
cblr-14250	1029	20	inability	inability	NOUN
cblr-14250	1029	21	to	to	PART
cblr-14250	1029	22	craft	craft	VERB
cblr-14250	1029	23	regulatory	regulatory	ADJ
cblr-14250	1029	24	legislation	legislation	NOUN
cblr-14250	1029	25	)	)	PUNCT
cblr-14250	1029	26	;	;	PUNCT
cblr-14250	1029	27	see	see	VERB
cblr-14250	1029	28	also	also	ADV
cblr-14250	1029	29	anne	anne	PROPN
cblr-14250	1029	30	fleming	fleming	PROPN
cblr-14250	1029	31	,	,	PUNCT
cblr-14250	1029	32	the	the	DET
cblr-14250	1029	33	long	long	ADJ
cblr-14250	1029	34	history	history	NOUN
cblr-14250	1029	35	of	of	ADP
cblr-14250	1029	36	‘	'	PUNCT
cblr-14250	1029	37	truth	truth	NOUN
cblr-14250	1029	38	in	in	ADP
cblr-14250	1029	39	lending	lending	NOUN
cblr-14250	1029	40	,	,	PUNCT
cblr-14250	1029	41	30	30	NUM
cblr-14250	1029	42	j.	j.	PROPN
cblr-14250	1029	43	pol’y	pol’y	NOUN
cblr-14250	1029	44	hist	hist	PROPN
cblr-14250	1029	45	.	.	PROPN
cblr-14250	1030	1	236	236	NUM
cblr-14250	1030	2	,	,	PUNCT
cblr-14250	1030	3	236–37	236–37	PROPN
cblr-14250	1030	4	(	(	PUNCT
cblr-14250	1030	5	2018	2018	NUM
cblr-14250	1030	6	)	)	PUNCT
cblr-14250	1030	7	;	;	PUNCT
cblr-14250	1030	8	christopher	christopher	PROPN
cblr-14250	1030	9	peterson	peterson	PROPN
cblr-14250	1030	10	,	,	PUNCT
cblr-14250	1030	11	truth	truth	NOUN
cblr-14250	1030	12	,	,	PUNCT
cblr-14250	1030	13	understanding	understanding	NOUN
cblr-14250	1030	14	,	,	PUNCT
cblr-14250	1030	15	and	and	CCONJ
cblr-14250	1030	16	high	high	ADJ
cblr-14250	1030	17	-	-	PUNCT
cblr-14250	1030	18	cost	cost	NOUN
cblr-14250	1030	19	consumer	consumer	NOUN
cblr-14250	1030	20	credit	credit	NOUN
cblr-14250	1030	21	:	:	PUNCT
cblr-14250	1030	22	the	the	DET
cblr-14250	1030	23	historical	historical	ADJ
cblr-14250	1030	24	context	context	NOUN
cblr-14250	1030	25	of	of	ADP
cblr-14250	1030	26	the	the	DET
cblr-14250	1030	27	truth	truth	NOUN
cblr-14250	1030	28	in	in	ADP
cblr-14250	1030	29	lending	lending	NOUN
cblr-14250	1030	30	act	act	NOUN
cblr-14250	1030	31	,	,	PUNCT
cblr-14250	1030	32	22	22	NUM
cblr-14250	1030	33	fla	fla	NOUN
cblr-14250	1030	34	.	.	PUNCT
cblr-14250	1031	1	l.	l.	PROPN
cblr-14250	1031	2	rev	rev	PROPN
cblr-14250	1031	3	.	.	PROPN
cblr-14250	1031	4	808	808	NUM
cblr-14250	1031	5	,	,	PUNCT
cblr-14250	1031	6	877	877	NUM
cblr-14250	1031	7	(	(	PUNCT
cblr-14250	1031	8	2003	2003	NUM
cblr-14250	1031	9	)	)	PUNCT
cblr-14250	1031	10	;	;	PUNCT
cblr-14250	1031	11	sean	sean	PROPN
cblr-14250	1031	12	vanatta	vanatta	PROPN
cblr-14250	1031	13	,	,	PUNCT
cblr-14250	1031	14	plastic	plastic	ADJ
cblr-14250	1031	15	capitalism	capitalism	NOUN
cblr-14250	1031	16	:	:	PUNCT
cblr-14250	1032	1	banks	bank	NOUN
cblr-14250	1032	2	,	,	PUNCT
cblr-14250	1032	3	credit	credit	NOUN
cblr-14250	1032	4	cards	card	NOUN
cblr-14250	1032	5	,	,	PUNCT
cblr-14250	1032	6	and	and	CCONJ
cblr-14250	1032	7	the	the	DET
cblr-14250	1032	8	end	end	NOUN
cblr-14250	1032	9	of	of	ADP
cblr-14250	1032	10	financial	financial	ADJ
cblr-14250	1032	11	control	control	NOUN
cblr-14250	1032	12	108–32	108–32	PROPN
cblr-14250	1032	13	(	(	PUNCT
cblr-14250	1032	14	2024	2024	NUM
cblr-14250	1032	15	)	)	PUNCT
cblr-14250	1032	16	.	.	PUNCT
cblr-14250	1033	1	206	206	NUM
cblr-14250	1033	2	columbia	columbia	PROPN
cblr-14250	1033	3	business	business	NOUN
cblr-14250	1033	4	law	law	PROPN
cblr-14250	1033	5	review	review	NOUN
cblr-14250	1033	6	[	[	X
cblr-14250	1033	7	vol	vol	NOUN
cblr-14250	1033	8	.	.	PUNCT
cblr-14250	1033	9	2025	2025	NUM
cblr-14250	1033	10	federal	federal	ADJ
cblr-14250	1033	11	,	,	PUNCT
cblr-14250	1033	12	concern.169	concern.169	PROPN
cblr-14250	1033	13	douglas	douglas	PROPN
cblr-14250	1033	14	initially	initially	ADV
cblr-14250	1033	15	framed	frame	VERB
cblr-14250	1033	16	the	the	DET
cblr-14250	1033	17	debate	debate	NOUN
cblr-14250	1033	18	around	around	ADP
cblr-14250	1033	19	macroeconomic	macroeconomic	ADJ
cblr-14250	1033	20	stability	stability	NOUN
cblr-14250	1033	21	,	,	PUNCT
cblr-14250	1033	22	but	but	CCONJ
cblr-14250	1033	23	gradually	gradually	ADV
cblr-14250	1033	24	emphasized	emphasize	VERB
cblr-14250	1033	25	protecting	protect	VERB
cblr-14250	1033	26	consumers	consumer	NOUN
cblr-14250	1033	27	from	from	ADP
cblr-14250	1033	28	harmful	harmful	ADJ
cblr-14250	1033	29	and	and	CCONJ
cblr-14250	1033	30	deceptive	deceptive	ADJ
cblr-14250	1033	31	lending	lending	NOUN
cblr-14250	1034	1	practices.170	practices.170	PRON
cblr-14250	1034	2	he	he	PRON
cblr-14250	1034	3	did	do	VERB
cblr-14250	1034	4	so	so	ADV
cblr-14250	1034	5	against	against	ADP
cblr-14250	1034	6	constant	constant	ADJ
cblr-14250	1034	7	opposition	opposition	NOUN
cblr-14250	1034	8	from	from	ADP
cblr-14250	1034	9	congressional	congressional	ADJ
cblr-14250	1034	10	proponents	proponent	NOUN
cblr-14250	1034	11	of	of	ADP
cblr-14250	1034	12	states	state	NOUN
cblr-14250	1034	13	’	'	PUNCT
cblr-14250	1034	14	rights	right	NOUN
cblr-14250	1034	15	,	,	PUNCT
cblr-14250	1034	16	who	who	PRON
cblr-14250	1034	17	in	in	ADP
cblr-14250	1034	18	the	the	DET
cblr-14250	1034	19	midst	midst	NOUN
cblr-14250	1034	20	of	of	ADP
cblr-14250	1034	21	the	the	DET
cblr-14250	1034	22	civil	civil	ADJ
cblr-14250	1034	23	rights	right	NOUN
cblr-14250	1034	24	movement	movement	NOUN
cblr-14250	1034	25	sought	seek	VERB
cblr-14250	1034	26	to	to	PART
cblr-14250	1034	27	defend	defend	VERB
cblr-14250	1034	28	state	state	NOUN
cblr-14250	1034	29	prerogatives	prerogative	NOUN
cblr-14250	1034	30	against	against	ADP
cblr-14250	1034	31	all	all	DET
cblr-14250	1034	32	federal	federal	ADJ
cblr-14250	1034	33	encroachment.171	encroachment.171	NOUN
cblr-14250	1034	34	elections	election	NOUN
cblr-14250	1034	35	and	and	CCONJ
cblr-14250	1034	36	presidential	presidential	ADJ
cblr-14250	1034	37	leadership	leadership	NOUN
cblr-14250	1034	38	provided	provide	VERB
cblr-14250	1034	39	the	the	DET
cblr-14250	1034	40	electoral	electoral	ADJ
cblr-14250	1034	41	pressure	pressure	NOUN
cblr-14250	1034	42	that	that	PRON
cblr-14250	1034	43	ultimately	ultimately	ADV
cblr-14250	1034	44	resulted	result	VERB
cblr-14250	1034	45	in	in	ADP
cblr-14250	1034	46	the	the	DET
cblr-14250	1034	47	passage	passage	NOUN
cblr-14250	1034	48	of	of	ADP
cblr-14250	1034	49	the	the	DET
cblr-14250	1034	50	bill.172	bill.172	NOUN
cblr-14250	1034	51	the	the	DET
cblr-14250	1034	52	truth	truth	NOUN
cblr-14250	1034	53	-	-	PUNCT
cblr-14250	1034	54	in	in	ADP
cblr-14250	1034	55	-	-	PUNCT
cblr-14250	1034	56	lending	lending	NOUN
cblr-14250	1034	57	act	act	NOUN
cblr-14250	1034	58	tasked	task	VERB
cblr-14250	1034	59	the	the	DET
cblr-14250	1034	60	federal	federal	PROPN
cblr-14250	1034	61	reserve	reserve	NOUN
cblr-14250	1034	62	with	with	ADP
cblr-14250	1034	63	regulating	regulate	VERB
cblr-14250	1034	64	credit	credit	NOUN
cblr-14250	1034	65	disclosure	disclosure	NOUN
cblr-14250	1034	66	—	—	PUNCT
cblr-14250	1034	67	with	with	ADP
cblr-14250	1034	68	writing	write	VERB
cblr-14250	1034	69	the	the	DET
cblr-14250	1034	70	rules	rule	NOUN
cblr-14250	1034	71	that	that	PRON
cblr-14250	1034	72	creditors	creditor	NOUN
cblr-14250	1034	73	would	would	AUX
cblr-14250	1034	74	have	have	VERB
cblr-14250	1034	75	to	to	PART
cblr-14250	1034	76	obey	obey	VERB
cblr-14250	1034	77	—	—	PUNCT
cblr-14250	1034	78	and	and	CCONJ
cblr-14250	1034	79	tasked	task	VERB
cblr-14250	1034	80	the	the	DET
cblr-14250	1034	81	remaining	remain	VERB
cblr-14250	1034	82	bank	bank	NOUN
cblr-14250	1034	83	supervisory	supervisory	ADJ
cblr-14250	1034	84	agencies	agency	NOUN
cblr-14250	1034	85	with	with	ADP
cblr-14250	1034	86	ensuring	ensure	VERB
cblr-14250	1034	87	“	"	PUNCT
cblr-14250	1034	88	compliance	compliance	NOUN
cblr-14250	1034	89	”	"	PUNCT
cblr-14250	1034	90	with	with	ADP
cblr-14250	1034	91	these	these	DET
cblr-14250	1034	92	rules.173	rules.173	NOUN
cblr-14250	1034	93	subsequent	subsequent	ADJ
cblr-14250	1034	94	consumer	consumer	NOUN
cblr-14250	1034	95	legislation	legislation	NOUN
cblr-14250	1034	96	,	,	PUNCT
cblr-14250	1034	97	including	include	VERB
cblr-14250	1034	98	the	the	DET
cblr-14250	1034	99	fair	fair	ADJ
cblr-14250	1034	100	credit	credit	NOUN
cblr-14250	1034	101	reporting	reporting	NOUN
cblr-14250	1034	102	act	act	NOUN
cblr-14250	1034	103	(	(	PUNCT
cblr-14250	1034	104	1970)174	1970)174	PROPN
cblr-14250	1034	105	and	and	CCONJ
cblr-14250	1034	106	the	the	DET
cblr-14250	1034	107	equal	equal	ADJ
cblr-14250	1034	108	credit	credit	NOUN
cblr-14250	1034	109	opportunity	opportunity	NOUN
cblr-14250	1034	110	act	act	NOUN
cblr-14250	1034	111	(	(	PUNCT
cblr-14250	1034	112	1974),175	1974),175	PRON
cblr-14250	1034	113	would	would	AUX
cblr-14250	1034	114	likewise	likewise	ADV
cblr-14250	1034	115	adopt	adopt	VERB
cblr-14250	1034	116	this	this	DET
cblr-14250	1034	117	language	language	NOUN
cblr-14250	1034	118	,	,	PUNCT
cblr-14250	1034	119	placing	place	VERB
cblr-14250	1034	120	consumer	consumer	NOUN
cblr-14250	1034	121	enforcement	enforcement	NOUN
cblr-14250	1034	122	with	with	ADP
cblr-14250	1034	123	the	the	DET
cblr-14250	1034	124	different	different	ADJ
cblr-14250	1034	125	federal	federal	ADJ
cblr-14250	1034	126	banking	banking	NOUN
cblr-14250	1034	127	and	and	CCONJ
cblr-14250	1034	128	consumer	consumer	NOUN
cblr-14250	1034	129	protection	protection	NOUN
cblr-14250	1034	130	agencies	agency	NOUN
cblr-14250	1034	131	,	,	PUNCT
cblr-14250	1034	132	and	and	CCONJ
cblr-14250	1034	133	explicitly	explicitly	ADV
cblr-14250	1034	134	tying	tie	VERB
cblr-14250	1034	135	that	that	DET
cblr-14250	1034	136	enforcement	enforcement	NOUN
cblr-14250	1034	137	to	to	ADP
cblr-14250	1034	138	the	the	DET
cblr-14250	1034	139	keyword	keyword	NOUN
cblr-14250	1034	140	compliance.176	compliance.176	NOUN
cblr-14250	1034	141	in	in	ADP
cblr-14250	1034	142	one	one	NUM
cblr-14250	1034	143	sense	sense	NOUN
cblr-14250	1034	144	,	,	PUNCT
cblr-14250	1034	145	mandated	mandate	VERB
cblr-14250	1034	146	price	price	NOUN
cblr-14250	1034	147	disclosure	disclosure	NOUN
cblr-14250	1034	148	and	and	CCONJ
cblr-14250	1034	149	post	post	ADJ
cblr-14250	1034	150	-	-	ADJ
cblr-14250	1034	151	hoc	hoc	ADJ
cblr-14250	1034	152	compliance	compliance	NOUN
cblr-14250	1034	153	oversight	oversight	NOUN
cblr-14250	1034	154	mirrored	mirror	VERB
cblr-14250	1034	155	the	the	DET
cblr-14250	1034	156	reporting	reporting	NOUN
cblr-14250	1034	157	and	and	CCONJ
cblr-14250	1034	158	public	public	ADJ
cblr-14250	1034	159	169	169	NUM
cblr-14250	1034	160	barbara	barbara	PROPN
cblr-14250	1034	161	a.	a.	PROPN
cblr-14250	1034	162	curran	curran	PROPN
cblr-14250	1034	163	,	,	PUNCT
cblr-14250	1034	164	trends	trend	NOUN
cblr-14250	1034	165	in	in	ADP
cblr-14250	1034	166	consumer	consumer	NOUN
cblr-14250	1034	167	credit	credit	NOUN
cblr-14250	1034	168	legislation	legislation	NOUN
cblr-14250	1034	169	(	(	PUNCT
cblr-14250	1034	170	1965	1965	NUM
cblr-14250	1034	171	)	)	PUNCT
cblr-14250	1034	172	.	.	PUNCT
cblr-14250	1035	1	170	170	NUM
cblr-14250	1035	2	paul	paul	PROPN
cblr-14250	1035	3	h.	h.	PROPN
cblr-14250	1035	4	douglas	douglas	PROPN
cblr-14250	1035	5	,	,	PUNCT
cblr-14250	1035	6	speech	speech	NOUN
cblr-14250	1035	7	before	before	ADP
cblr-14250	1035	8	the	the	DET
cblr-14250	1035	9	national	national	PROPN
cblr-14250	1035	10	league	league	PROPN
cblr-14250	1035	11	of	of	ADP
cblr-14250	1035	12	insured	insured	ADJ
cblr-14250	1035	13	savings	saving	NOUN
cblr-14250	1035	14	associations	association	NOUN
cblr-14250	1035	15	(	(	PUNCT
cblr-14250	1035	16	may	may	PROPN
cblr-14250	1035	17	10	10	NUM
cblr-14250	1035	18	,	,	PUNCT
cblr-14250	1035	19	1960	1960	NUM
cblr-14250	1035	20	)	)	PUNCT
cblr-14250	1035	21	(	(	PUNCT
cblr-14250	1035	22	on	on	ADP
cblr-14250	1035	23	file	file	NOUN
cblr-14250	1035	24	with	with	ADP
cblr-14250	1035	25	chicago	chicago	PROPN
cblr-14250	1035	26	historical	historical	ADJ
cblr-14250	1035	27	society	society	NOUN
cblr-14250	1035	28	,	,	PUNCT
cblr-14250	1035	29	paul	paul	PROPN
cblr-14250	1035	30	h.	h.	PROPN
cblr-14250	1035	31	douglas	douglas	PROPN
cblr-14250	1035	32	papers	papers	PROPN
cblr-14250	1035	33	,	,	PUNCT
cblr-14250	1035	34	douglas	douglas	PROPN
cblr-14250	1035	35	statements	statement	NOUN
cblr-14250	1035	36	1960	1960	NUM
cblr-14250	1035	37	,	,	PUNCT
cblr-14250	1035	38	box	box	PROPN
cblr-14250	1035	39	1297	1297	NUM
cblr-14250	1035	40	)	)	PUNCT
cblr-14250	1035	41	.	.	PUNCT
cblr-14250	1036	1	171	171	NUM
cblr-14250	1036	2	letter	letter	NOUN
cblr-14250	1036	3	from	from	ADP
cblr-14250	1036	4	a.	a.	PROPN
cblr-14250	1036	5	willis	willis	PROPN
cblr-14250	1036	6	robertson	robertson	PROPN
cblr-14250	1036	7	to	to	ADP
cblr-14250	1036	8	paul	paul	PROPN
cblr-14250	1036	9	h.	h.	PROPN
cblr-14250	1036	10	douglas	douglas	PROPN
cblr-14250	1036	11	(	(	PUNCT
cblr-14250	1036	12	dec	dec	PROPN
cblr-14250	1036	13	.	.	PROPN
cblr-14250	1036	14	12	12	NUM
cblr-14250	1036	15	,	,	PUNCT
cblr-14250	1036	16	1961	1961	NUM
cblr-14250	1036	17	)	)	PUNCT
cblr-14250	1036	18	(	(	PUNCT
cblr-14250	1036	19	on	on	ADP
cblr-14250	1036	20	file	file	NOUN
cblr-14250	1036	21	with	with	ADP
cblr-14250	1036	22	chicago	chicago	PROPN
cblr-14250	1036	23	historical	historical	ADJ
cblr-14250	1036	24	society	society	NOUN
cblr-14250	1036	25	,	,	PUNCT
cblr-14250	1036	26	paul	paul	PROPN
cblr-14250	1036	27	h.	h.	PROPN
cblr-14250	1036	28	douglas	douglas	PROPN
cblr-14250	1036	29	papers	papers	PROPN
cblr-14250	1036	30	,	,	PUNCT
cblr-14250	1036	31	douglas	douglas	PROPN
cblr-14250	1036	32	correspondence	correspondence	PROPN
cblr-14250	1036	33	1961	1961	NUM
cblr-14250	1036	34	,	,	PUNCT
cblr-14250	1036	35	box	box	NOUN
cblr-14250	1036	36	1299	1299	NUM
cblr-14250	1036	37	)	)	PUNCT
cblr-14250	1036	38	.	.	PUNCT
cblr-14250	1037	1	172	172	NUM
cblr-14250	1037	2	see	see	VERB
cblr-14250	1037	3	rubin	rubin	PROPN
cblr-14250	1037	4	,	,	PUNCT
cblr-14250	1037	5	supra	supra	PROPN
cblr-14250	1037	6	note	note	PROPN
cblr-14250	1037	7	168	168	NUM
cblr-14250	1037	8	,	,	PUNCT
cblr-14250	1037	9	at	at	ADP
cblr-14250	1037	10	251–52	251–52	NUM
cblr-14250	1037	11	.	.	PUNCT
cblr-14250	1038	1	173	173	NUM
cblr-14250	1038	2	truth	truth	NOUN
cblr-14250	1038	3	in	in	ADP
cblr-14250	1038	4	lending	lending	NOUN
cblr-14250	1038	5	act	act	NOUN
cblr-14250	1038	6	§	§	PROPN
cblr-14250	1038	7	108	108	NUM
cblr-14250	1038	8	,	,	PUNCT
cblr-14250	1038	9	15	15	NUM
cblr-14250	1038	10	u.s.c	u.s.c	NOUN
cblr-14250	1038	11	.	.	PUNCT
cblr-14250	1039	1	§	§	PROPN
cblr-14250	1039	2	1607	1607	NUM
cblr-14250	1039	3	.	.	PUNCT
cblr-14250	1040	1	174	174	NUM
cblr-14250	1040	2	fair	fair	ADJ
cblr-14250	1040	3	credit	credit	NOUN
cblr-14250	1040	4	reporting	reporting	NOUN
cblr-14250	1040	5	act	act	NOUN
cblr-14250	1040	6	§	§	PROPN
cblr-14250	1040	7	621	621	NUM
cblr-14250	1040	8	,	,	PUNCT
cblr-14250	1040	9	15	15	NUM
cblr-14250	1040	10	u.s.c	u.s.c	ADJ
cblr-14250	1040	11	.	.	PUNCT
cblr-14250	1041	1	§	§	NOUN
cblr-14250	1041	2	1681s	1681s	NUM
cblr-14250	1041	3	.	.	PUNCT
cblr-14250	1042	1	175	175	NUM
cblr-14250	1042	2	equal	equal	ADJ
cblr-14250	1042	3	credit	credit	NOUN
cblr-14250	1042	4	opportunity	opportunity	NOUN
cblr-14250	1042	5	act	act	NOUN
cblr-14250	1042	6	§	§	PROPN
cblr-14250	1042	7	704	704	NUM
cblr-14250	1042	8	,	,	PUNCT
cblr-14250	1042	9	15	15	NUM
cblr-14250	1042	10	u.s.c	u.s.c	ADJ
cblr-14250	1042	11	.	.	PUNCT
cblr-14250	1043	1	§	§	NOUN
cblr-14250	1043	2	1691c	1691c	NUM
cblr-14250	1043	3	.	.	PUNCT
cblr-14250	1044	1	176	176	NUM
cblr-14250	1044	2	for	for	ADP
cblr-14250	1044	3	discussion	discussion	NOUN
cblr-14250	1044	4	of	of	ADP
cblr-14250	1044	5	fdic	fdic	ADJ
cblr-14250	1044	6	compliance	compliance	NOUN
cblr-14250	1044	7	work	work	NOUN
cblr-14250	1044	8	under	under	ADP
cblr-14250	1044	9	this	this	DET
cblr-14250	1044	10	act	act	NOUN
cblr-14250	1044	11	,	,	PUNCT
cblr-14250	1044	12	see	see	VERB
cblr-14250	1044	13	federal	federal	ADJ
cblr-14250	1044	14	government	government	NOUN
cblr-14250	1044	15	’s	’s	PART
cblr-14250	1044	16	role	role	NOUN
cblr-14250	1044	17	in	in	ADP
cblr-14250	1044	18	the	the	DET
cblr-14250	1044	19	achievement	achievement	NOUN
cblr-14250	1044	20	of	of	ADP
cblr-14250	1044	21	equal	equal	ADJ
cblr-14250	1044	22	opportunity	opportunity	NOUN
cblr-14250	1044	23	in	in	ADP
cblr-14250	1044	24	housing	housing	NOUN
cblr-14250	1044	25	:	:	PUNCT
cblr-14250	1044	26	hearings	hearing	NOUN
cblr-14250	1044	27	before	before	ADP
cblr-14250	1044	28	the	the	DET
cblr-14250	1044	29	c.r	c.r	PROPN
cblr-14250	1044	30	.	.	PROPN
cblr-14250	1044	31	oversight	oversight	NOUN
cblr-14250	1044	32	subcomm	subcomm	NOUN
cblr-14250	1044	33	.	.	PUNCT
cblr-14250	1045	1	of	of	ADP
cblr-14250	1045	2	the	the	DET
cblr-14250	1045	3	h.	h.	PROPN
cblr-14250	1045	4	comm	comm	NOUN
cblr-14250	1045	5	.	.	PUNCT
cblr-14250	1046	1	on	on	ADP
cblr-14250	1046	2	the	the	DET
cblr-14250	1046	3	judiciary	judiciary	NOUN
cblr-14250	1046	4	,	,	PUNCT
cblr-14250	1046	5	92nd	92nd	NOUN
cblr-14250	1046	6	cong	cong	NOUN
cblr-14250	1046	7	.	.	PUNCT
cblr-14250	1047	1	849–850	849–850	NUM
cblr-14250	1047	2	(	(	PUNCT
cblr-14250	1047	3	1971	1971	NUM
cblr-14250	1047	4	)	)	PUNCT
cblr-14250	1047	5	(	(	PUNCT
cblr-14250	1047	6	letter	letter	NOUN
cblr-14250	1047	7	from	from	ADP
cblr-14250	1047	8	frank	frank	ADJ
cblr-14250	1047	9	wille	wille	NOUN
cblr-14250	1047	10	to	to	PART
cblr-14250	1047	11	theodore	theodore	VERB
cblr-14250	1047	12	s.	s.	PROPN
cblr-14250	1047	13	hesburgh	hesburgh	PROPN
cblr-14250	1047	14	(	(	PUNCT
cblr-14250	1047	15	oct	oct	PROPN
cblr-14250	1047	16	.	.	PROPN
cblr-14250	1047	17	19	19	NUM
cblr-14250	1047	18	,	,	PUNCT
cblr-14250	1047	19	1971	1971	NUM
cblr-14250	1047	20	)	)	PUNCT
cblr-14250	1047	21	)	)	PUNCT
cblr-14250	1047	22	.	.	PUNCT
cblr-14250	1048	1	no	no	INTJ
cblr-14250	1048	2	.	.	NOUN
cblr-14250	1048	3	1	1	NUM
cblr-14250	1048	4	]	]	PUNCT
cblr-14250	1048	5	risk	risk	NOUN
cblr-14250	1048	6	,	,	PUNCT
cblr-14250	1048	7	discretion	discretion	NOUN
cblr-14250	1048	8	,	,	PUNCT
cblr-14250	1048	9	and	and	CCONJ
cblr-14250	1048	10	bank	bank	NOUN
cblr-14250	1048	11	supervision	supervision	NOUN
cblr-14250	1048	12	207	207	NUM
cblr-14250	1048	13	surveillance	surveillance	NOUN
cblr-14250	1048	14	regime	regime	NOUN
cblr-14250	1048	15	of	of	ADP
cblr-14250	1048	16	the	the	DET
cblr-14250	1048	17	nineteenth	nineteenth	ADJ
cblr-14250	1048	18	century	century	NOUN
cblr-14250	1048	19	.	.	PUNCT
cblr-14250	1049	1	like	like	ADP
cblr-14250	1049	2	the	the	DET
cblr-14250	1049	3	system	system	NOUN
cblr-14250	1049	4	of	of	ADP
cblr-14250	1049	5	public	public	ADJ
cblr-14250	1049	6	call	call	NOUN
cblr-14250	1049	7	reporting	reporting	NOUN
cblr-14250	1049	8	instituted	institute	VERB
cblr-14250	1049	9	by	by	ADP
cblr-14250	1049	10	the	the	DET
cblr-14250	1049	11	1860s	1860	NOUN
cblr-14250	1049	12	banking	banking	NOUN
cblr-14250	1049	13	acts	act	NOUN
cblr-14250	1049	14	,	,	PUNCT
cblr-14250	1049	15	price	price	NOUN
cblr-14250	1049	16	disclosure	disclosure	NOUN
cblr-14250	1049	17	made	make	VERB
cblr-14250	1049	18	market	market	NOUN
cblr-14250	1049	19	participants	participant	NOUN
cblr-14250	1049	20	—	—	PUNCT
cblr-14250	1049	21	here	here	ADV
cblr-14250	1049	22	,	,	PUNCT
cblr-14250	1049	23	consumers	consumer	NOUN
cblr-14250	1049	24	—	—	PUNCT
cblr-14250	1049	25	monitors	monitor	NOUN
cblr-14250	1049	26	of	of	ADP
cblr-14250	1049	27	financial	financial	ADJ
cblr-14250	1049	28	institutions	institution	NOUN
cblr-14250	1049	29	’	'	PUNCT
cblr-14250	1049	30	behavior	behavior	NOUN
cblr-14250	1049	31	.	.	PUNCT
cblr-14250	1050	1	transparent	transparent	ADJ
cblr-14250	1050	2	prices	price	NOUN
cblr-14250	1050	3	enabled	enable	VERB
cblr-14250	1050	4	consumers	consumer	NOUN
cblr-14250	1050	5	to	to	PART
cblr-14250	1050	6	make	make	VERB
cblr-14250	1050	7	informed	informed	ADJ
cblr-14250	1050	8	decisions	decision	NOUN
cblr-14250	1050	9	,	,	PUNCT
cblr-14250	1050	10	encouraging	encourage	VERB
cblr-14250	1050	11	banks	bank	NOUN
cblr-14250	1050	12	to	to	PART
cblr-14250	1050	13	improve	improve	VERB
cblr-14250	1050	14	performance	performance	NOUN
cblr-14250	1050	15	and	and	CCONJ
cblr-14250	1050	16	lower	low	ADJ
cblr-14250	1050	17	prices	price	NOUN
cblr-14250	1050	18	.	.	PUNCT
cblr-14250	1051	1	yet	yet	ADV
cblr-14250	1051	2	,	,	PUNCT
cblr-14250	1051	3	unlike	unlike	ADP
cblr-14250	1051	4	the	the	DET
cblr-14250	1051	5	nineteenth	nineteenth	ADJ
cblr-14250	1051	6	-	-	PUNCT
cblr-14250	1051	7	century	century	NOUN
cblr-14250	1051	8	disclosure	disclosure	NOUN
cblr-14250	1051	9	regime	regime	NOUN
cblr-14250	1051	10	,	,	PUNCT
cblr-14250	1051	11	which	which	PRON
cblr-14250	1051	12	left	leave	VERB
cblr-14250	1051	13	supervisors	supervisor	NOUN
cblr-14250	1051	14	to	to	PART
cblr-14250	1051	15	manage	manage	VERB
cblr-14250	1051	16	non	non	ADJ
cblr-14250	1051	17	-	-	NOUN
cblr-14250	1051	18	compliance	compliance	NOUN
cblr-14250	1051	19	through	through	ADP
cblr-14250	1051	20	direct	direct	ADJ
cblr-14250	1051	21	and	and	CCONJ
cblr-14250	1051	22	private	private	ADJ
cblr-14250	1051	23	supervisory	supervisory	ADJ
cblr-14250	1051	24	engagement	engagement	NOUN
cblr-14250	1051	25	with	with	ADP
cblr-14250	1051	26	bankers	banker	NOUN
cblr-14250	1051	27	,	,	PUNCT
cblr-14250	1051	28	tila	tila	NOUN
cblr-14250	1051	29	and	and	CCONJ
cblr-14250	1051	30	subsequent	subsequent	ADJ
cblr-14250	1051	31	consumer	consumer	NOUN
cblr-14250	1051	32	protection	protection	NOUN
cblr-14250	1051	33	legislation	legislation	NOUN
cblr-14250	1051	34	enabled	enable	VERB
cblr-14250	1051	35	consumers	consumer	NOUN
cblr-14250	1051	36	to	to	PART
cblr-14250	1051	37	file	file	VERB
cblr-14250	1051	38	class	class	NOUN
cblr-14250	1051	39	-	-	PUNCT
cblr-14250	1051	40	action	action	NOUN
cblr-14250	1051	41	lawsuits	lawsuit	NOUN
cblr-14250	1051	42	against	against	ADP
cblr-14250	1051	43	firms	firm	NOUN
cblr-14250	1051	44	that	that	PRON
cblr-14250	1051	45	failed	fail	VERB
cblr-14250	1051	46	to	to	ADP
cblr-14250	1051	47	comply.177	comply.177	PROPN
cblr-14250	1051	48	as	as	SCONJ
cblr-14250	1051	49	proxmire	proxmire	NOUN
cblr-14250	1051	50	observed	observe	VERB
cblr-14250	1051	51	,	,	PUNCT
cblr-14250	1051	52	“	"	PUNCT
cblr-14250	1051	53	the	the	DET
cblr-14250	1051	54	law	law	NOUN
cblr-14250	1051	55	should	should	AUX
cblr-14250	1051	56	be	be	AUX
cblr-14250	1051	57	largely	largely	ADV
cblr-14250	1051	58	.	.	PUNCT
cblr-14250	1051	59	.	.	PUNCT
cblr-14250	1051	60	.	.	PUNCT
cblr-14250	1052	1	self	self	NOUN
cblr-14250	1052	2	-	-	PUNCT
cblr-14250	1052	3	enforcing	enforcing	NOUN
cblr-14250	1052	4	.	.	PUNCT
cblr-14250	1053	1	”178	”178	PUNCT
cblr-14250	1053	2	placing	place	VERB
cblr-14250	1053	3	enforcement	enforcement	NOUN
cblr-14250	1053	4	power	power	NOUN
cblr-14250	1053	5	in	in	ADP
cblr-14250	1053	6	the	the	DET
cblr-14250	1053	7	hands	hand	NOUN
cblr-14250	1053	8	of	of	ADP
cblr-14250	1053	9	activist	activist	ADJ
cblr-14250	1053	10	consumers	consumer	NOUN
cblr-14250	1053	11	accorded	accord	VERB
cblr-14250	1053	12	with	with	ADP
cblr-14250	1053	13	the	the	DET
cblr-14250	1053	14	consumer	consumer	NOUN
cblr-14250	1053	15	movement	movement	NOUN
cblr-14250	1053	16	’s	’s	PART
cblr-14250	1053	17	goals	goal	NOUN
cblr-14250	1053	18	of	of	ADP
cblr-14250	1053	19	consumer	consumer	NOUN
cblr-14250	1053	20	empowerment	empowerment	NOUN
cblr-14250	1053	21	,	,	PUNCT
cblr-14250	1053	22	but	but	CCONJ
cblr-14250	1053	23	it	it	PRON
cblr-14250	1053	24	also	also	ADV
cblr-14250	1053	25	created	create	VERB
cblr-14250	1053	26	a	a	DET
cblr-14250	1053	27	difficult	difficult	ADJ
cblr-14250	1053	28	tension	tension	NOUN
cblr-14250	1053	29	for	for	ADP
cblr-14250	1053	30	bank	bank	NOUN
cblr-14250	1053	31	supervisory	supervisory	ADJ
cblr-14250	1053	32	officials	official	NOUN
cblr-14250	1053	33	.	.	PUNCT
cblr-14250	1054	1	at	at	ADP
cblr-14250	1054	2	first	first	ADV
cblr-14250	1054	3	,	,	PUNCT
cblr-14250	1054	4	supervisors	supervisor	NOUN
cblr-14250	1054	5	tried	try	VERB
cblr-14250	1054	6	to	to	PART
cblr-14250	1054	7	incorporate	incorporate	VERB
cblr-14250	1054	8	consumer	consumer	NOUN
cblr-14250	1054	9	oversight	oversight	NOUN
cblr-14250	1054	10	into	into	ADP
cblr-14250	1054	11	their	their	PRON
cblr-14250	1054	12	existing	exist	VERB
cblr-14250	1054	13	examination	examination	NOUN
cblr-14250	1054	14	practices	practice	NOUN
cblr-14250	1054	15	,	,	PUNCT
cblr-14250	1054	16	evaluating	evaluate	VERB
cblr-14250	1054	17	bankers	banker	NOUN
cblr-14250	1054	18	’	'	PUNCT
cblr-14250	1054	19	knowledge	knowledge	NOUN
cblr-14250	1054	20	of	of	ADP
cblr-14250	1054	21	the	the	DET
cblr-14250	1054	22	rules	rule	NOUN
cblr-14250	1054	23	and	and	CCONJ
cblr-14250	1054	24	advising	advise	VERB
cblr-14250	1054	25	them	they	PRON
cblr-14250	1054	26	on	on	ADP
cblr-14250	1054	27	how	how	SCONJ
cblr-14250	1054	28	to	to	PART
cblr-14250	1054	29	achieve	achieve	VERB
cblr-14250	1054	30	compliance.179	compliance.179	NOUN
cblr-14250	1054	31	but	but	CCONJ
cblr-14250	1054	32	177	177	NUM
cblr-14250	1054	33	see	see	VERB
cblr-14250	1054	34	john	john	PROPN
cblr-14250	1054	35	c.	c.	PROPN
cblr-14250	1054	36	coffee	coffee	PROPN
cblr-14250	1054	37	,	,	PUNCT
cblr-14250	1054	38	entrepreneurial	entrepreneurial	ADJ
cblr-14250	1054	39	litigation	litigation	NOUN
cblr-14250	1054	40	:	:	PUNCT
cblr-14250	1054	41	its	its	PRON
cblr-14250	1054	42	rise	rise	NOUN
cblr-14250	1054	43	,	,	PUNCT
cblr-14250	1054	44	fall	fall	NOUN
cblr-14250	1054	45	,	,	PUNCT
cblr-14250	1054	46	and	and	CCONJ
cblr-14250	1054	47	future	future	ADJ
cblr-14250	1054	48	(	(	PUNCT
cblr-14250	1054	49	2015	2015	NUM
cblr-14250	1054	50	)	)	PUNCT
cblr-14250	1054	51	.	.	PUNCT
cblr-14250	1055	1	178	178	NUM
cblr-14250	1055	2	truth	truth	NOUN
cblr-14250	1055	3	in	in	ADP
cblr-14250	1055	4	lending—1967	lending—1967	PROPN
cblr-14250	1055	5	:	:	PUNCT
cblr-14250	1055	6	hearings	hearing	NOUN
cblr-14250	1055	7	before	before	ADP
cblr-14250	1055	8	the	the	DET
cblr-14250	1055	9	s.	s.	PROPN
cblr-14250	1055	10	subcomm	subcomm	PROPN
cblr-14250	1055	11	.	.	PUNCT
cblr-14250	1056	1	on	on	ADP
cblr-14250	1056	2	fin	fin	PROPN
cblr-14250	1056	3	.	.	PUNCT
cblr-14250	1056	4	inst	inst	PROPN
cblr-14250	1056	5	.	.	PROPN
cblr-14250	1057	1	of	of	ADP
cblr-14250	1057	2	the	the	DET
cblr-14250	1057	3	s.	s.	PROPN
cblr-14250	1057	4	comm	comm	NOUN
cblr-14250	1057	5	.	.	PUNCT
cblr-14250	1058	1	on	on	ADP
cblr-14250	1058	2	banking	banking	NOUN
cblr-14250	1058	3	and	and	CCONJ
cblr-14250	1058	4	currency	currency	NOUN
cblr-14250	1058	5	,	,	PUNCT
cblr-14250	1058	6	90th	90th	ADJ
cblr-14250	1058	7	cong	cong	NOUN
cblr-14250	1058	8	.	.	PUNCT
cblr-14250	1059	1	682	682	NUM
cblr-14250	1059	2	(	(	PUNCT
cblr-14250	1059	3	1967	1967	NUM
cblr-14250	1059	4	)	)	PUNCT
cblr-14250	1059	5	(	(	PUNCT
cblr-14250	1059	6	statement	statement	NOUN
cblr-14250	1059	7	of	of	ADP
cblr-14250	1059	8	j.	j.	PROPN
cblr-14250	1059	9	l	l	PROPN
cblr-14250	1059	10	robertson	robertson	PROPN
cblr-14250	1059	11	,	,	PUNCT
cblr-14250	1059	12	vice	vice	NOUN
cblr-14250	1059	13	chairman	chairman	NOUN
cblr-14250	1059	14	,	,	PUNCT
cblr-14250	1059	15	bd	bd	PROPN
cblr-14250	1059	16	.	.	PROPN
cblr-14250	1059	17	of	of	ADP
cblr-14250	1059	18	governors	governor	NOUN
cblr-14250	1059	19	,	,	PUNCT
cblr-14250	1059	20	fed	fed	PROPN
cblr-14250	1059	21	.	.	PUNCT
cblr-14250	1059	22	rsrv	rsrv	PROPN
cblr-14250	1059	23	.	.	PUNCT
cblr-14250	1060	1	sys	sys	PROPN
cblr-14250	1060	2	.	.	PUNCT
cblr-14250	1060	3	)	)	PUNCT
cblr-14250	1060	4	.	.	PUNCT
cblr-14250	1061	1	179	179	NUM
cblr-14250	1061	2	for	for	ADP
cblr-14250	1061	3	example	example	NOUN
cblr-14250	1061	4	,	,	PUNCT
cblr-14250	1061	5	in	in	ADP
cblr-14250	1061	6	june	june	PROPN
cblr-14250	1061	7	1969	1969	NUM
cblr-14250	1061	8	,	,	PUNCT
cblr-14250	1061	9	the	the	DET
cblr-14250	1061	10	fdic	fdic	PROPN
cblr-14250	1061	11	issued	issue	VERB
cblr-14250	1061	12	examiners	examiner	NOUN
cblr-14250	1061	13	a	a	DET
cblr-14250	1061	14	7	7	NUM
cblr-14250	1061	15	-	-	PUNCT
cblr-14250	1061	16	page	page	NOUN
cblr-14250	1061	17	truth	truth	NOUN
cblr-14250	1061	18	-	-	PUNCT
cblr-14250	1061	19	in	in	ADP
cblr-14250	1061	20	-	-	PUNCT
cblr-14250	1061	21	lending	lending	NOUN
cblr-14250	1061	22	compliance	compliance	NOUN
cblr-14250	1061	23	checklist	checklist	NOUN
cblr-14250	1061	24	,	,	PUNCT
cblr-14250	1061	25	though	though	SCONJ
cblr-14250	1061	26	which	which	DET
cblr-14250	1061	27	examiners	examiner	NOUN
cblr-14250	1061	28	evaluated	evaluate	VERB
cblr-14250	1061	29	bank	bank	NOUN
cblr-14250	1061	30	managers	manager	NOUN
cblr-14250	1061	31	’	’	PART
cblr-14250	1061	32	relative	relative	ADJ
cblr-14250	1061	33	knowledge	knowledge	NOUN
cblr-14250	1061	34	about	about	ADP
cblr-14250	1061	35	the	the	DET
cblr-14250	1061	36	new	new	ADJ
cblr-14250	1061	37	regulations	regulation	NOUN
cblr-14250	1061	38	and	and	CCONJ
cblr-14250	1061	39	randomly	randomly	ADV
cblr-14250	1061	40	sampled	sample	VERB
cblr-14250	1061	41	consumer	consumer	NOUN
cblr-14250	1061	42	credit	credit	NOUN
cblr-14250	1061	43	files	file	NOUN
cblr-14250	1061	44	to	to	PART
cblr-14250	1061	45	see	see	VERB
cblr-14250	1061	46	that	that	SCONJ
cblr-14250	1061	47	banks	bank	NOUN
cblr-14250	1061	48	were	be	AUX
cblr-14250	1061	49	following	follow	VERB
cblr-14250	1061	50	the	the	DET
cblr-14250	1061	51	rules	rule	NOUN
cblr-14250	1061	52	.	.	PUNCT
cblr-14250	1062	1	memorandum	memorandum	NOUN
cblr-14250	1062	2	from	from	ADP
cblr-14250	1062	3	edward	edward	PROPN
cblr-14250	1062	4	h.	h.	PROPN
cblr-14250	1062	5	dehority	dehority	PROPN
cblr-14250	1062	6	to	to	ADP
cblr-14250	1062	7	supervising	supervise	VERB
cblr-14250	1062	8	examiners	examiner	NOUN
cblr-14250	1062	9	(	(	PUNCT
cblr-14250	1062	10	june	june	PROPN
cblr-14250	1062	11	23	23	NUM
cblr-14250	1062	12	,	,	PUNCT
cblr-14250	1062	13	1969	1969	NUM
cblr-14250	1062	14	)	)	PUNCT
cblr-14250	1062	15	(	(	PUNCT
cblr-14250	1062	16	on	on	ADP
cblr-14250	1062	17	file	file	NOUN
cblr-14250	1062	18	with	with	ADP
cblr-14250	1062	19	nat’l	nat’l	NOUN
cblr-14250	1062	20	archives	archive	NOUN
cblr-14250	1062	21	,	,	PUNCT
cblr-14250	1062	22	records	record	NOUN
cblr-14250	1062	23	of	of	ADP
cblr-14250	1062	24	the	the	DET
cblr-14250	1062	25	fed	fed	PROPN
cblr-14250	1062	26	.	.	PUNCT
cblr-14250	1063	1	deposit	deposit	PROPN
cblr-14250	1063	2	ins	ins	PROPN
cblr-14250	1063	3	.	.	PUNCT
cblr-14250	1063	4	corp	corp	PROPN
cblr-14250	1063	5	.	.	PROPN
cblr-14250	1063	6	,	,	PUNCT
cblr-14250	1063	7	record	record	NOUN
cblr-14250	1063	8	group	group	NOUN
cblr-14250	1063	9	34	34	NUM
cblr-14250	1063	10	,	,	PUNCT
cblr-14250	1063	11	memorandums	memorandum	NOUN
cblr-14250	1063	12	to	to	ADP
cblr-14250	1063	13	supervising	supervise	VERB
cblr-14250	1063	14	examiners	examiner	NOUN
cblr-14250	1063	15	,	,	PUNCT
cblr-14250	1063	16	1934	1934	NUM
cblr-14250	1063	17	–	–	PUNCT
cblr-14250	1063	18	1969	1969	NUM
cblr-14250	1063	19	,	,	PUNCT
cblr-14250	1063	20	box	box	NOUN
cblr-14250	1063	21	21	21	NUM
cblr-14250	1063	22	)	)	PUNCT
cblr-14250	1063	23	.	.	PUNCT
cblr-14250	1064	1	the	the	DET
cblr-14250	1064	2	federal	federal	PROPN
cblr-14250	1064	3	reserve	reserve	PROPN
cblr-14250	1064	4	banks	bank	NOUN
cblr-14250	1064	5	and	and	CCONJ
cblr-14250	1064	6	the	the	DET
cblr-14250	1064	7	comptroller	comptroller	NOUN
cblr-14250	1064	8	also	also	ADV
cblr-14250	1064	9	used	use	VERB
cblr-14250	1064	10	a	a	DET
cblr-14250	1064	11	checklist	checklist	NOUN
cblr-14250	1064	12	.	.	PUNCT
cblr-14250	1065	1	memorandum	memorandum	NOUN
cblr-14250	1065	2	from	from	ADP
cblr-14250	1065	3	james	james	PROPN
cblr-14250	1065	4	h.	h.	PROPN
cblr-14250	1065	5	booth	booth	PROPN
cblr-14250	1065	6	to	to	ADP
cblr-14250	1065	7	john	john	PROPN
cblr-14250	1065	8	t.	t.	PROPN
cblr-14250	1065	9	mcclintock	mcclintock	PROPN
cblr-14250	1065	10	(	(	PUNCT
cblr-14250	1065	11	june	june	PROPN
cblr-14250	1065	12	4	4	NUM
cblr-14250	1065	13	,	,	PUNCT
cblr-14250	1065	14	1973	1973	NUM
cblr-14250	1065	15	)	)	PUNCT
cblr-14250	1065	16	(	(	PUNCT
cblr-14250	1065	17	on	on	ADP
cblr-14250	1065	18	file	file	NOUN
cblr-14250	1065	19	with	with	ADP
cblr-14250	1065	20	fed	fed	PROPN
cblr-14250	1065	21	.	.	PUNCT
cblr-14250	1065	22	rsrv	rsrv	PROPN
cblr-14250	1065	23	.	.	PUNCT
cblr-14250	1066	1	bank	bank	PROPN
cblr-14250	1066	2	of	of	ADP
cblr-14250	1066	3	n.y	n.y	PROPN
cblr-14250	1066	4	.	.	PROPN
cblr-14250	1066	5	archives	archive	NOUN
cblr-14250	1066	6	,	,	PUNCT
cblr-14250	1066	7	truth	truth	NOUN
cblr-14250	1066	8	in	in	ADP
cblr-14250	1066	9	lending	lending	NOUN
cblr-14250	1066	10	,	,	PUNCT
cblr-14250	1066	11	commercial	commercial	ADJ
cblr-14250	1066	12	paper	paper	NOUN
cblr-14250	1066	13	,	,	PUNCT
cblr-14250	1066	14	loans	loan	NOUN
cblr-14250	1066	15	,	,	PUNCT
cblr-14250	1066	16	403.1a	403.1a	NUM
cblr-14250	1066	17	)	)	PUNCT
cblr-14250	1066	18	;	;	PUNCT
cblr-14250	1066	19	oversight	oversight	NOUN
cblr-14250	1066	20	on	on	ADP
cblr-14250	1066	21	consumer	consumer	NOUN
cblr-14250	1066	22	protection	protection	NOUN
cblr-14250	1066	23	activities	activity	NOUN
cblr-14250	1066	24	of	of	ADP
cblr-14250	1066	25	federal	federal	ADJ
cblr-14250	1066	26	banking	banking	NOUN
cblr-14250	1066	27	agencies	agency	NOUN
cblr-14250	1066	28	:	:	PUNCT
cblr-14250	1066	29	hearings	hearing	NOUN
cblr-14250	1066	30	before	before	ADP
cblr-14250	1066	31	the	the	DET
cblr-14250	1066	32	s.	s.	PROPN
cblr-14250	1066	33	comm	comm	NOUN
cblr-14250	1066	34	.	.	PUNCT
cblr-14250	1067	1	on	on	ADP
cblr-14250	1067	2	banking	banking	NOUN
cblr-14250	1067	3	,	,	PUNCT
cblr-14250	1067	4	housing	housing	NOUN
cblr-14250	1067	5	and	and	CCONJ
cblr-14250	1067	6	urban	urban	PROPN
cblr-14250	1067	7	affairs	affair	NOUN
cblr-14250	1067	8	,	,	PUNCT
cblr-14250	1067	9	94th	94th	ADJ
cblr-14250	1067	10	cong	cong	NOUN
cblr-14250	1067	11	.	.	PUNCT
cblr-14250	1068	1	57–58	57–58	NUM
cblr-14250	1068	2	(	(	PUNCT
cblr-14250	1068	3	1976	1976	NUM
cblr-14250	1068	4	)	)	PUNCT
cblr-14250	1068	5	(	(	PUNCT
cblr-14250	1068	6	statement	statement	NOUN
cblr-14250	1068	7	of	of	ADP
cblr-14250	1068	8	james	james	PROPN
cblr-14250	1068	9	a.	a.	PROPN
cblr-14250	1068	10	mccaffrey	mccaffrey	PROPN
cblr-14250	1068	11	)	)	PUNCT
cblr-14250	1068	12	.	.	PUNCT
cblr-14250	1069	1	208	208	NUM
cblr-14250	1069	2	columbia	columbia	PROPN
cblr-14250	1069	3	business	business	NOUN
cblr-14250	1069	4	law	law	PROPN
cblr-14250	1069	5	review	review	NOUN
cblr-14250	1070	1	[	[	X
cblr-14250	1070	2	vol	vol	NOUN
cblr-14250	1070	3	.	.	PUNCT
cblr-14250	1070	4	2025	2025	NUM
cblr-14250	1070	5	federal	federal	ADJ
cblr-14250	1070	6	supervisors	supervisor	NOUN
cblr-14250	1070	7	also	also	ADV
cblr-14250	1070	8	recognized	recognize	VERB
cblr-14250	1070	9	compliance	compliance	NOUN
cblr-14250	1070	10	policing	policing	NOUN
cblr-14250	1070	11	might	might	AUX
cblr-14250	1070	12	rub	rub	VERB
cblr-14250	1070	13	against	against	ADP
cblr-14250	1070	14	their	their	PRON
cblr-14250	1070	15	safety	safety	NOUN
cblr-14250	1070	16	and	and	CCONJ
cblr-14250	1070	17	soundness	soundness	NOUN
cblr-14250	1070	18	mission.180	mission.180	PROPN
cblr-14250	1070	19	tila	tila	PROPN
cblr-14250	1070	20	’s	’s	PART
cblr-14250	1070	21	civil	civil	ADJ
cblr-14250	1070	22	penalties	penalty	NOUN
cblr-14250	1070	23	,	,	PUNCT
cblr-14250	1070	24	combined	combine	VERB
cblr-14250	1070	25	with	with	ADP
cblr-14250	1070	26	new	new	ADJ
cblr-14250	1070	27	consumer	consumer	NOUN
cblr-14250	1070	28	class	class	NOUN
cblr-14250	1070	29	action	action	NOUN
cblr-14250	1070	30	lawsuits	lawsuit	NOUN
cblr-14250	1070	31	that	that	PRON
cblr-14250	1070	32	the	the	DET
cblr-14250	1070	33	act	act	NOUN
cblr-14250	1070	34	encouraged	encourage	VERB
cblr-14250	1070	35	,	,	PUNCT
cblr-14250	1070	36	“	"	PUNCT
cblr-14250	1070	37	could	could	AUX
cblr-14250	1070	38	conceivably	conceivably	ADV
cblr-14250	1070	39	threaten	threaten	VERB
cblr-14250	1070	40	the	the	DET
cblr-14250	1070	41	solvency	solvency	NOUN
cblr-14250	1070	42	of	of	ADP
cblr-14250	1070	43	a	a	DET
cblr-14250	1070	44	bank	bank	NOUN
cblr-14250	1070	45	,	,	PUNCT
cblr-14250	1070	46	”	"	PUNCT
cblr-14250	1070	47	a	a	DET
cblr-14250	1070	48	1971	1971	NUM
cblr-14250	1070	49	fdic	fdic	ADJ
cblr-14250	1070	50	memo	memo	NOUN
cblr-14250	1070	51	warned.181	warned.181	VERB
cblr-14250	1070	52	therefore	therefore	ADV
cblr-14250	1070	53	,	,	PUNCT
cblr-14250	1070	54	the	the	DET
cblr-14250	1070	55	fdic	fdic	PROPN
cblr-14250	1070	56	required	require	VERB
cblr-14250	1070	57	its	its	PRON
cblr-14250	1070	58	examiners	examiner	NOUN
cblr-14250	1070	59	to	to	PART
cblr-14250	1070	60	separate	separate	VERB
cblr-14250	1070	61	compliance	compliance	NOUN
cblr-14250	1070	62	paperwork	paperwork	NOUN
cblr-14250	1070	63	from	from	ADP
cblr-14250	1070	64	other	other	ADJ
cblr-14250	1070	65	examination	examination	NOUN
cblr-14250	1070	66	forms	form	NOUN
cblr-14250	1070	67	,	,	PUNCT
cblr-14250	1070	68	even	even	ADV
cblr-14250	1070	69	filing	file	VERB
cblr-14250	1070	70	work	work	NOUN
cblr-14250	1070	71	papers	paper	NOUN
cblr-14250	1070	72	in	in	ADP
cblr-14250	1070	73	separate	separate	ADJ
cblr-14250	1070	74	envelopes	envelope	NOUN
cblr-14250	1070	75	.	.	PUNCT
cblr-14250	1071	1	“	"	PUNCT
cblr-14250	1071	2	all	all	DET
cblr-14250	1071	3	reference	reference	NOUN
cblr-14250	1071	4	to	to	ADP
cblr-14250	1071	5	”	"	PUNCT
cblr-14250	1071	6	truth	truth	NOUN
cblr-14250	1071	7	-	-	PUNCT
cblr-14250	1071	8	inlending	inlending	ADJ
cblr-14250	1071	9	,	,	PUNCT
cblr-14250	1071	10	examiners	examiner	NOUN
cblr-14250	1071	11	were	be	AUX
cblr-14250	1071	12	instructed	instruct	VERB
cblr-14250	1071	13	,	,	PUNCT
cblr-14250	1071	14	“	"	PUNCT
cblr-14250	1071	15	should	should	AUX
cblr-14250	1071	16	be	be	AUX
cblr-14250	1071	17	omitted	omit	VERB
cblr-14250	1071	18	from	from	ADP
cblr-14250	1071	19	reports	report	NOUN
cblr-14250	1071	20	of	of	ADP
cblr-14250	1071	21	examination	examination	NOUN
cblr-14250	1071	22	.	.	PUNCT
cblr-14250	1071	23	”	"	PUNCT
cblr-14250	1072	1	thus	thus	ADV
cblr-14250	1072	2	,	,	PUNCT
cblr-14250	1072	3	the	the	DET
cblr-14250	1072	4	fdic	fdic	PROPN
cblr-14250	1072	5	very	very	ADV
cblr-14250	1072	6	quickly	quickly	ADV
cblr-14250	1072	7	hived	hive	VERB
cblr-14250	1072	8	off	off	ADP
cblr-14250	1072	9	truth	truth	NOUN
cblr-14250	1072	10	-	-	PUNCT
cblr-14250	1072	11	in	in	ADP
cblr-14250	1072	12	-	-	PUNCT
cblr-14250	1072	13	lending	lending	NOUN
cblr-14250	1072	14	and	and	CCONJ
cblr-14250	1072	15	later	later	ADJ
cblr-14250	1072	16	consumer	consumer	NOUN
cblr-14250	1072	17	compliance	compliance	NOUN
cblr-14250	1072	18	functions	function	NOUN
cblr-14250	1072	19	from	from	ADP
cblr-14250	1072	20	its	its	PRON
cblr-14250	1072	21	core	core	NOUN
cblr-14250	1072	22	safety	safety	NOUN
cblr-14250	1072	23	and	and	CCONJ
cblr-14250	1072	24	soundness	soundness	NOUN
cblr-14250	1072	25	functions	function	NOUN
cblr-14250	1072	26	.	.	PUNCT
cblr-14250	1073	1	consumer	consumer	NOUN
cblr-14250	1073	2	oversight	oversight	NOUN
cblr-14250	1073	3	threatened	threaten	VERB
cblr-14250	1073	4	to	to	PART
cblr-14250	1073	5	disrupt	disrupt	VERB
cblr-14250	1073	6	ingrained	ingrained	ADJ
cblr-14250	1073	7	norms	norm	NOUN
cblr-14250	1073	8	of	of	ADP
cblr-14250	1073	9	supervisory	supervisory	ADJ
cblr-14250	1073	10	practice	practice	NOUN
cblr-14250	1073	11	.	.	PUNCT
cblr-14250	1074	1	by	by	ADP
cblr-14250	1074	2	the	the	DET
cblr-14250	1074	3	postwar	postwar	ADJ
cblr-14250	1074	4	era	era	NOUN
cblr-14250	1074	5	,	,	PUNCT
cblr-14250	1074	6	supervision	supervision	NOUN
cblr-14250	1074	7	relied	rely	VERB
cblr-14250	1074	8	on	on	ADP
cblr-14250	1074	9	a	a	DET
cblr-14250	1074	10	confidential	confidential	ADJ
cblr-14250	1074	11	enforcement	enforcement	NOUN
cblr-14250	1074	12	regime	regime	NOUN
cblr-14250	1074	13	,	,	PUNCT
cblr-14250	1074	14	worked	work	VERB
cblr-14250	1074	15	out	out	ADP
cblr-14250	1074	16	between	between	ADP
cblr-14250	1074	17	supervisors	supervisor	NOUN
cblr-14250	1074	18	and	and	CCONJ
cblr-14250	1074	19	bank	bank	NOUN
cblr-14250	1074	20	management	management	NOUN
cblr-14250	1074	21	in	in	ADP
cblr-14250	1074	22	bank	bank	NOUN
cblr-14250	1074	23	offices	office	NOUN
cblr-14250	1074	24	.	.	PUNCT
cblr-14250	1075	1	“	"	PUNCT
cblr-14250	1075	2	we	we	PRON
cblr-14250	1075	3	.	.	PUNCT
cblr-14250	1075	4	.	.	PUNCT
cblr-14250	1075	5	.	.	PUNCT
cblr-14250	1076	1	have	have	AUX
cblr-14250	1076	2	concluded	conclude	VERB
cblr-14250	1076	3	,	,	PUNCT
cblr-14250	1076	4	”	"	PUNCT
cblr-14250	1076	5	the	the	DET
cblr-14250	1076	6	comptroller	comptroller	NOUN
cblr-14250	1076	7	explained	explain	VERB
cblr-14250	1076	8	in	in	ADP
cblr-14250	1076	9	1976	1976	NUM
cblr-14250	1076	10	,	,	PUNCT
cblr-14250	1076	11	“	"	PUNCT
cblr-14250	1076	12	that	that	SCONJ
cblr-14250	1076	13	it	it	PRON
cblr-14250	1076	14	was	be	AUX
cblr-14250	1076	15	the	the	DET
cblr-14250	1076	16	intention	intention	NOUN
cblr-14250	1076	17	and	and	CCONJ
cblr-14250	1076	18	expectation	expectation	NOUN
cblr-14250	1076	19	of	of	ADP
cblr-14250	1076	20	congress	congress	PROPN
cblr-14250	1076	21	that	that	SCONJ
cblr-14250	1076	22	the	the	DET
cblr-14250	1076	23	banking	banking	NOUN
cblr-14250	1076	24	agencies	agency	NOUN
cblr-14250	1076	25	would	would	AUX
cblr-14250	1076	26	use	use	VERB
cblr-14250	1076	27	the	the	DET
cblr-14250	1076	28	same	same	ADJ
cblr-14250	1076	29	private	private	ADJ
cblr-14250	1076	30	approach	approach	NOUN
cblr-14250	1076	31	to	to	ADP
cblr-14250	1076	32	consumer	consumer	NOUN
cblr-14250	1076	33	law	law	NOUN
cblr-14250	1076	34	enforcement	enforcement	NOUN
cblr-14250	1076	35	as	as	SCONJ
cblr-14250	1076	36	they	they	PRON
cblr-14250	1076	37	do	do	AUX
cblr-14250	1076	38	in	in	ADP
cblr-14250	1076	39	regard	regard	NOUN
cblr-14250	1076	40	to	to	ADP
cblr-14250	1076	41	other	other	ADJ
cblr-14250	1076	42	banking	banking	NOUN
cblr-14250	1076	43	laws	law	NOUN
cblr-14250	1076	44	.	.	PUNCT
cblr-14250	1077	1	”182	”182	PROPN
cblr-14250	1077	2	facing	face	VERB
cblr-14250	1077	3	the	the	DET
cblr-14250	1077	4	threat	threat	NOUN
cblr-14250	1077	5	of	of	ADP
cblr-14250	1077	6	class	class	NOUN
cblr-14250	1077	7	action	action	NOUN
cblr-14250	1077	8	lawsuits	lawsuit	NOUN
cblr-14250	1077	9	,	,	PUNCT
cblr-14250	1077	10	bankers	banker	NOUN
cblr-14250	1077	11	looked	look	VERB
cblr-14250	1077	12	to	to	ADP
cblr-14250	1077	13	their	their	PRON
cblr-14250	1077	14	examiners	examiner	NOUN
cblr-14250	1077	15	for	for	ADP
cblr-14250	1077	16	advice	advice	NOUN
cblr-14250	1077	17	on	on	ADP
cblr-14250	1077	18	how	how	SCONJ
cblr-14250	1077	19	to	to	PART
cblr-14250	1077	20	manage	manage	VERB
cblr-14250	1077	21	new	new	ADJ
cblr-14250	1077	22	consumer	consumer	NOUN
cblr-14250	1077	23	-	-	PUNCT
cblr-14250	1077	24	regulatory	regulatory	ADJ
cblr-14250	1077	25	risks	risk	NOUN
cblr-14250	1077	26	.	.	PUNCT
cblr-14250	1078	1	the	the	DET
cblr-14250	1078	2	“	"	PUNCT
cblr-14250	1078	3	private	private	ADJ
cblr-14250	1078	4	approach	approach	NOUN
cblr-14250	1078	5	,	,	PUNCT
cblr-14250	1078	6	”	"	PUNCT
cblr-14250	1078	7	however	however	ADV
cblr-14250	1078	8	,	,	PUNCT
cblr-14250	1078	9	was	be	AUX
cblr-14250	1078	10	at	at	ADP
cblr-14250	1078	11	odds	odd	NOUN
cblr-14250	1078	12	with	with	ADP
cblr-14250	1078	13	the	the	DET
cblr-14250	1078	14	premise	premise	NOUN
cblr-14250	1078	15	of	of	ADP
cblr-14250	1078	16	publicity	publicity	NOUN
cblr-14250	1078	17	woven	weave	VERB
cblr-14250	1078	18	through	through	ADP
cblr-14250	1078	19	the	the	DET
cblr-14250	1078	20	consumer	consumer	NOUN
cblr-14250	1078	21	protections	protection	NOUN
cblr-14250	1078	22	legislation	legislation	NOUN
cblr-14250	1078	23	,	,	PUNCT
cblr-14250	1078	24	as	as	ADV
cblr-14250	1078	25	well	well	ADV
cblr-14250	1078	26	as	as	ADP
cblr-14250	1078	27	the	the	DET
cblr-14250	1078	28	orientation	orientation	NOUN
cblr-14250	1078	29	,	,	PUNCT
cblr-14250	1078	30	through	through	ADP
cblr-14250	1078	31	civil	civil	ADJ
cblr-14250	1078	32	penalties	penalty	NOUN
cblr-14250	1078	33	,	,	PUNCT
cblr-14250	1078	34	toward	toward	ADP
cblr-14250	1078	35	rectifying	rectify	VERB
cblr-14250	1078	36	180	180	NUM
cblr-14250	1078	37	memorandum	memorandum	NOUN
cblr-14250	1078	38	from	from	ADP
cblr-14250	1078	39	edward	edward	PROPN
cblr-14250	1078	40	j.	j.	PROPN
cblr-14250	1078	41	roddy	roddy	PROPN
cblr-14250	1078	42	to	to	ADP
cblr-14250	1078	43	regional	regional	ADJ
cblr-14250	1078	44	directors	director	NOUN
cblr-14250	1078	45	(	(	PUNCT
cblr-14250	1078	46	sept	sept	PROPN
cblr-14250	1078	47	.	.	PROPN
cblr-14250	1078	48	24	24	NUM
cblr-14250	1078	49	,	,	PUNCT
cblr-14250	1078	50	1971	1971	NUM
cblr-14250	1078	51	)	)	PUNCT
cblr-14250	1078	52	(	(	PUNCT
cblr-14250	1078	53	on	on	ADP
cblr-14250	1078	54	file	file	NOUN
cblr-14250	1078	55	with	with	ADP
cblr-14250	1078	56	nat’l	nat’l	NOUN
cblr-14250	1078	57	archives	archive	NOUN
cblr-14250	1078	58	,	,	PUNCT
cblr-14250	1078	59	records	record	NOUN
cblr-14250	1078	60	of	of	ADP
cblr-14250	1078	61	the	the	DET
cblr-14250	1078	62	fed	fed	PROPN
cblr-14250	1078	63	.	.	PUNCT
cblr-14250	1079	1	deposit	deposit	PROPN
cblr-14250	1079	2	ins	ins	PROPN
cblr-14250	1079	3	.	.	PUNCT
cblr-14250	1079	4	corp	corp	PROPN
cblr-14250	1079	5	.	.	PROPN
cblr-14250	1079	6	,	,	PUNCT
cblr-14250	1079	7	record	record	NOUN
cblr-14250	1079	8	group	group	NOUN
cblr-14250	1079	9	34	34	NUM
cblr-14250	1079	10	,	,	PUNCT
cblr-14250	1079	11	memorandums	memorandum	NOUN
cblr-14250	1079	12	to	to	ADP
cblr-14250	1079	13	regional	regional	ADJ
cblr-14250	1079	14	directors	director	NOUN
cblr-14250	1079	15	,	,	PUNCT
cblr-14250	1079	16	1967–1975	1967–1975	NUM
cblr-14250	1079	17	,	,	PUNCT
cblr-14250	1079	18	box	box	NOUN
cblr-14250	1079	19	1	1	NUM
cblr-14250	1079	20	)	)	PUNCT
cblr-14250	1079	21	.	.	PUNCT
cblr-14250	1080	1	181	181	NUM
cblr-14250	1080	2	memorandum	memorandum	NOUN
cblr-14250	1080	3	from	from	ADP
cblr-14250	1080	4	edward	edward	PROPN
cblr-14250	1080	5	j.	j.	PROPN
cblr-14250	1080	6	roddy	roddy	PROPN
cblr-14250	1080	7	to	to	ADP
cblr-14250	1080	8	examiners	examiner	NOUN
cblr-14250	1080	9	and	and	CCONJ
cblr-14250	1080	10	assistant	assistant	NOUN
cblr-14250	1080	11	examiners	examiner	NOUN
cblr-14250	1080	12	(	(	PUNCT
cblr-14250	1080	13	june	june	PROPN
cblr-14250	1080	14	30	30	NUM
cblr-14250	1080	15	,	,	PUNCT
cblr-14250	1080	16	1971	1971	NUM
cblr-14250	1080	17	)	)	PUNCT
cblr-14250	1080	18	(	(	PUNCT
cblr-14250	1080	19	on	on	ADP
cblr-14250	1080	20	file	file	NOUN
cblr-14250	1080	21	with	with	ADP
cblr-14250	1080	22	nat’l	nat’l	NOUN
cblr-14250	1080	23	archives	archive	NOUN
cblr-14250	1080	24	,	,	PUNCT
cblr-14250	1080	25	records	record	NOUN
cblr-14250	1080	26	of	of	ADP
cblr-14250	1080	27	the	the	DET
cblr-14250	1080	28	fed	fed	PROPN
cblr-14250	1080	29	.	.	PUNCT
cblr-14250	1081	1	deposit	deposit	PROPN
cblr-14250	1081	2	ins	ins	PROPN
cblr-14250	1081	3	.	.	PUNCT
cblr-14250	1081	4	corp	corp	PROPN
cblr-14250	1081	5	.	.	PROPN
cblr-14250	1081	6	,	,	PUNCT
cblr-14250	1081	7	record	record	NOUN
cblr-14250	1081	8	group	group	NOUN
cblr-14250	1081	9	34	34	NUM
cblr-14250	1081	10	,	,	PUNCT
cblr-14250	1081	11	memorandums	memorandum	NOUN
cblr-14250	1081	12	to	to	ADP
cblr-14250	1081	13	regional	regional	ADJ
cblr-14250	1081	14	directors	director	NOUN
cblr-14250	1081	15	,	,	PUNCT
cblr-14250	1081	16	1967–1975	1967–1975	NUM
cblr-14250	1081	17	,	,	PUNCT
cblr-14250	1081	18	box	box	NOUN
cblr-14250	1081	19	1	1	NUM
cblr-14250	1081	20	)	)	PUNCT
cblr-14250	1081	21	.	.	PUNCT
cblr-14250	1082	1	by	by	ADP
cblr-14250	1082	2	1976	1976	NUM
cblr-14250	1082	3	,	,	PUNCT
cblr-14250	1082	4	at	at	ADP
cblr-14250	1082	5	least	least	ADJ
cblr-14250	1082	6	160	160	NUM
cblr-14250	1082	7	class	class	NOUN
cblr-14250	1082	8	action	action	NOUN
cblr-14250	1082	9	cases	case	NOUN
cblr-14250	1082	10	had	have	AUX
cblr-14250	1082	11	been	be	AUX
cblr-14250	1082	12	brought	bring	VERB
cblr-14250	1082	13	against	against	ADP
cblr-14250	1082	14	financial	financial	ADJ
cblr-14250	1082	15	and	and	CCONJ
cblr-14250	1082	16	other	other	ADJ
cblr-14250	1082	17	credit	credit	NOUN
cblr-14250	1082	18	-	-	PUNCT
cblr-14250	1082	19	granting	grant	VERB
cblr-14250	1082	20	institutions	institution	NOUN
cblr-14250	1082	21	.	.	PUNCT
cblr-14250	1083	1	cong	cong	NOUN
cblr-14250	1083	2	.	.	PUNCT
cblr-14250	1084	1	rsch	rsch	PROPN
cblr-14250	1084	2	.	.	PUNCT
cblr-14250	1085	1	serv	serv	PROPN
cblr-14250	1085	2	.	.	PROPN
cblr-14250	1085	3	,	,	PUNCT
cblr-14250	1085	4	class	class	NOUN
cblr-14250	1085	5	actions	action	NOUN
cblr-14250	1085	6	brought	bring	VERB
cblr-14250	1085	7	in	in	ADP
cblr-14250	1085	8	federal	federal	ADJ
cblr-14250	1085	9	courts	court	NOUN
cblr-14250	1085	10	under	under	ADP
cblr-14250	1085	11	section	section	NOUN
cblr-14250	1085	12	130	130	NUM
cblr-14250	1085	13	of	of	ADP
cblr-14250	1085	14	the	the	DET
cblr-14250	1085	15	truth	truth	NOUN
cblr-14250	1085	16	in	in	ADP
cblr-14250	1085	17	lending	lending	NOUN
cblr-14250	1085	18	act	act	NOUN
cblr-14250	1085	19	(	(	PUNCT
cblr-14250	1085	20	1976	1976	NUM
cblr-14250	1085	21	)	)	PUNCT
cblr-14250	1085	22	.	.	PUNCT
cblr-14250	1086	1	182	182	NUM
cblr-14250	1086	2	oversight	oversight	NOUN
cblr-14250	1086	3	on	on	ADP
cblr-14250	1086	4	consumer	consumer	NOUN
cblr-14250	1086	5	protection	protection	NOUN
cblr-14250	1086	6	activities	activity	NOUN
cblr-14250	1086	7	of	of	ADP
cblr-14250	1086	8	federal	federal	ADJ
cblr-14250	1086	9	banking	banking	NOUN
cblr-14250	1086	10	agencies	agency	NOUN
cblr-14250	1086	11	:	:	PUNCT
cblr-14250	1086	12	hearings	hearing	NOUN
cblr-14250	1086	13	before	before	ADP
cblr-14250	1086	14	the	the	DET
cblr-14250	1086	15	s.	s.	PROPN
cblr-14250	1086	16	comm	comm	NOUN
cblr-14250	1086	17	.	.	PUNCT
cblr-14250	1087	1	on	on	ADP
cblr-14250	1087	2	banking	banking	NOUN
cblr-14250	1087	3	,	,	PUNCT
cblr-14250	1087	4	housing	housing	NOUN
cblr-14250	1087	5	and	and	CCONJ
cblr-14250	1087	6	urban	urban	ADJ
cblr-14250	1087	7	aff	aff	PROPN
cblr-14250	1087	8	.	.	PROPN
cblr-14250	1087	9	,	,	PUNCT
cblr-14250	1087	10	94th	94th	PROPN
cblr-14250	1087	11	cong	cong	NOUN
cblr-14250	1087	12	.	.	PUNCT
cblr-14250	1088	1	461	461	NUM
cblr-14250	1088	2	(	(	PUNCT
cblr-14250	1088	3	1976	1976	NUM
cblr-14250	1088	4	)	)	PUNCT
cblr-14250	1088	5	(	(	PUNCT
cblr-14250	1088	6	response	response	NOUN
cblr-14250	1088	7	of	of	ADP
cblr-14250	1088	8	the	the	DET
cblr-14250	1088	9	comptroller	comptroller	NOUN
cblr-14250	1088	10	of	of	ADP
cblr-14250	1088	11	the	the	DET
cblr-14250	1088	12	currency	currency	NOUN
cblr-14250	1088	13	)	)	PUNCT
cblr-14250	1088	14	.	.	PUNCT
cblr-14250	1089	1	no	no	INTJ
cblr-14250	1089	2	.	.	NOUN
cblr-14250	1089	3	1	1	NUM
cblr-14250	1089	4	]	]	PUNCT
cblr-14250	1089	5	risk	risk	NOUN
cblr-14250	1089	6	,	,	PUNCT
cblr-14250	1089	7	discretion	discretion	NOUN
cblr-14250	1089	8	,	,	PUNCT
cblr-14250	1089	9	and	and	CCONJ
cblr-14250	1089	10	bank	bank	NOUN
cblr-14250	1089	11	supervision	supervision	NOUN
cblr-14250	1089	12	209	209	NUM
cblr-14250	1089	13	past	past	ADJ
cblr-14250	1089	14	wrongs	wrong	NOUN
cblr-14250	1089	15	.	.	PUNCT
cblr-14250	1090	1	congress	congress	PROPN
cblr-14250	1090	2	wanted	want	VERB
cblr-14250	1090	3	bank	bank	NOUN
cblr-14250	1090	4	supervisors	supervisor	NOUN
cblr-14250	1090	5	to	to	PART
cblr-14250	1090	6	work	work	VERB
cblr-14250	1090	7	on	on	ADP
cblr-14250	1090	8	behalf	behalf	NOUN
cblr-14250	1090	9	of	of	ADP
cblr-14250	1090	10	consumers	consumer	NOUN
cblr-14250	1090	11	to	to	PART
cblr-14250	1090	12	make	make	VERB
cblr-14250	1090	13	amends	amend	NOUN
cblr-14250	1090	14	for	for	ADP
cblr-14250	1090	15	past	past	ADJ
cblr-14250	1090	16	mistakes	mistake	NOUN
cblr-14250	1090	17	,	,	PUNCT
cblr-14250	1090	18	not	not	PART
cblr-14250	1090	19	—	—	PUNCT
cblr-14250	1090	20	as	as	SCONJ
cblr-14250	1090	21	supervisors	supervisor	NOUN
cblr-14250	1090	22	had	have	AUX
cblr-14250	1090	23	imagined	imagine	VERB
cblr-14250	1090	24	their	their	PRON
cblr-14250	1090	25	role	role	NOUN
cblr-14250	1090	26	—	—	PUNCT
cblr-14250	1090	27	to	to	PART
cblr-14250	1090	28	work	work	VERB
cblr-14250	1090	29	with	with	ADP
cblr-14250	1090	30	bankers	banker	NOUN
cblr-14250	1090	31	to	to	PART
cblr-14250	1090	32	prevent	prevent	VERB
cblr-14250	1090	33	errors	error	NOUN
cblr-14250	1090	34	in	in	ADP
cblr-14250	1090	35	the	the	DET
cblr-14250	1090	36	future	future	NOUN
cblr-14250	1090	37	.	.	PUNCT
cblr-14250	1091	1	the	the	DET
cblr-14250	1091	2	new	new	ADJ
cblr-14250	1091	3	consumer	consumer	NOUN
cblr-14250	1091	4	emphasis	emphasis	NOUN
cblr-14250	1091	5	created	create	VERB
cblr-14250	1091	6	increasing	increase	VERB
cblr-14250	1091	7	problems	problem	NOUN
cblr-14250	1091	8	in	in	ADP
cblr-14250	1091	9	the	the	DET
cblr-14250	1091	10	context	context	NOUN
cblr-14250	1091	11	of	of	ADP
cblr-14250	1091	12	the	the	DET
cblr-14250	1091	13	ongoing	ongoing	ADJ
cblr-14250	1091	14	agencies	agency	NOUN
cblr-14250	1091	15	’	'	PUNCT
cblr-14250	1091	16	risk	risk	NOUN
cblr-14250	1091	17	-	-	PUNCT
cblr-14250	1091	18	management	management	NOUN
cblr-14250	1091	19	responsibilities	responsibility	NOUN
cblr-14250	1091	20	.	.	PUNCT
cblr-14250	1092	1	in	in	ADP
cblr-14250	1092	2	the	the	DET
cblr-14250	1092	3	mid-1970s	mid-1970	NOUN
cblr-14250	1092	4	,	,	PUNCT
cblr-14250	1092	5	the	the	DET
cblr-14250	1092	6	agencies	agency	NOUN
cblr-14250	1092	7	responded	respond	VERB
cblr-14250	1092	8	by	by	ADP
cblr-14250	1092	9	creating	create	VERB
cblr-14250	1092	10	distinct	distinct	ADJ
cblr-14250	1092	11	consumer	consumer	NOUN
cblr-14250	1092	12	offices	office	NOUN
cblr-14250	1092	13	and	and	CCONJ
cblr-14250	1092	14	experimenting	experiment	VERB
cblr-14250	1092	15	with	with	ADP
cblr-14250	1092	16	separate	separate	ADJ
cblr-14250	1092	17	compliance	compliance	NOUN
cblr-14250	1092	18	examinations	examination	NOUN
cblr-14250	1092	19	.	.	PUNCT
cblr-14250	1093	1	by	by	ADP
cblr-14250	1093	2	creating	create	VERB
cblr-14250	1093	3	consumer	consumer	NOUN
cblr-14250	1093	4	departments	department	NOUN
cblr-14250	1093	5	and	and	CCONJ
cblr-14250	1093	6	compliance	compliance	NOUN
cblr-14250	1093	7	teams	team	NOUN
cblr-14250	1093	8	,	,	PUNCT
cblr-14250	1093	9	the	the	DET
cblr-14250	1093	10	supervisory	supervisory	ADJ
cblr-14250	1093	11	agencies	agency	NOUN
cblr-14250	1093	12	strengthened	strengthen	VERB
cblr-14250	1093	13	the	the	DET
cblr-14250	1093	14	compliance	compliance	NOUN
cblr-14250	1093	15	ethic	ethic	NOUN
cblr-14250	1093	16	,	,	PUNCT
cblr-14250	1093	17	giving	give	VERB
cblr-14250	1093	18	compliance	compliance	NOUN
cblr-14250	1093	19	an	an	DET
cblr-14250	1093	20	institutional	institutional	ADJ
cblr-14250	1093	21	identity	identity	NOUN
cblr-14250	1093	22	by	by	ADP
cblr-14250	1093	23	divorcing	divorce	VERB
cblr-14250	1093	24	it	it	PRON
cblr-14250	1093	25	from	from	ADP
cblr-14250	1093	26	future	future	ADJ
cblr-14250	1093	27	-	-	PUNCT
cblr-14250	1093	28	oriented	orient	VERB
cblr-14250	1093	29	safety	safety	NOUN
cblr-14250	1093	30	and	and	CCONJ
cblr-14250	1093	31	soundness	soundness	NOUN
cblr-14250	1093	32	supervision.183	supervision.183	NOUN
cblr-14250	1093	33	this	this	DET
cblr-14250	1093	34	professionalization	professionalization	NOUN
cblr-14250	1093	35	of	of	ADP
cblr-14250	1093	36	supervisory	supervisory	ADJ
cblr-14250	1093	37	compliance	compliance	NOUN
cblr-14250	1093	38	staff	staff	NOUN
cblr-14250	1093	39	led	lead	VERB
cblr-14250	1093	40	,	,	PUNCT
cblr-14250	1093	41	in	in	ADP
cblr-14250	1093	42	turn	turn	NOUN
cblr-14250	1093	43	,	,	PUNCT
cblr-14250	1093	44	to	to	ADP
cblr-14250	1093	45	the	the	DET
cblr-14250	1093	46	similar	similar	ADJ
cblr-14250	1093	47	professionalization	professionalization	NOUN
cblr-14250	1093	48	of	of	ADP
cblr-14250	1093	49	compliance	compliance	NOUN
cblr-14250	1093	50	staff	staff	NOUN
cblr-14250	1093	51	in	in	ADP
cblr-14250	1093	52	banks	bank	NOUN
cblr-14250	1093	53	.	.	PUNCT
cblr-14250	1094	1	beginning	begin	VERB
cblr-14250	1094	2	in	in	ADP
cblr-14250	1094	3	1977	1977	NUM
cblr-14250	1094	4	,	,	PUNCT
cblr-14250	1094	5	the	the	DET
cblr-14250	1094	6	magazine	magazine	NOUN
cblr-14250	1094	7	of	of	ADP
cblr-14250	1094	8	bank	bank	PROPN
cblr-14250	1094	9	administration	administration	NOUN
cblr-14250	1094	10	ran	run	VERB
cblr-14250	1094	11	a	a	DET
cblr-14250	1094	12	seven	seven	NUM
cblr-14250	1094	13	-	-	PUNCT
cblr-14250	1094	14	part	part	NOUN
cblr-14250	1094	15	series	series	NOUN
cblr-14250	1094	16	on	on	ADP
cblr-14250	1094	17	“	"	PUNCT
cblr-14250	1094	18	implementing	implement	VERB
cblr-14250	1094	19	a	a	DET
cblr-14250	1094	20	program	program	NOUN
cblr-14250	1094	21	for	for	ADP
cblr-14250	1094	22	consumer	consumer	NOUN
cblr-14250	1094	23	regulation	regulation	NOUN
cblr-14250	1094	24	compliance	compliance	NOUN
cblr-14250	1094	25	,	,	PUNCT
cblr-14250	1094	26	”	"	PUNCT
cblr-14250	1094	27	a	a	DET
cblr-14250	1094	28	topic	topic	NOUN
cblr-14250	1094	29	also	also	ADV
cblr-14250	1094	30	taken	take	VERB
cblr-14250	1094	31	up	up	ADP
cblr-14250	1094	32	in	in	ADP
cblr-14250	1094	33	other	other	ADJ
cblr-14250	1094	34	industry	industry	NOUN
cblr-14250	1094	35	publications.184	publications.184	NOUN
cblr-14250	1094	36	the	the	DET
cblr-14250	1094	37	“	"	PUNCT
cblr-14250	1094	38	compliance	compliance	NOUN
cblr-14250	1094	39	officer	officer	NOUN
cblr-14250	1094	40	”	"	PUNCT
cblr-14250	1094	41	was	be	AUX
cblr-14250	1094	42	officially	officially	ADV
cblr-14250	1094	43	born	bear	VERB
cblr-14250	1094	44	.	.	PUNCT
cblr-14250	1095	1	hiring	hire	VERB
cblr-14250	1095	2	in	in	ADP
cblr-14250	1095	3	compliance	compliance	NOUN
cblr-14250	1095	4	was	be	AUX
cblr-14250	1095	5	part	part	NOUN
cblr-14250	1095	6	of	of	ADP
cblr-14250	1095	7	a	a	DET
cblr-14250	1095	8	larger	large	ADJ
cblr-14250	1095	9	explosion	explosion	NOUN
cblr-14250	1095	10	of	of	ADP
cblr-14250	1095	11	compliance	compliance	NOUN
cblr-14250	1095	12	costs	cost	NOUN
cblr-14250	1095	13	,	,	PUNCT
cblr-14250	1095	14	a	a	DET
cblr-14250	1095	15	subject	subject	NOUN
cblr-14250	1095	16	of	of	ADP
cblr-14250	1095	17	perennial	perennial	ADJ
cblr-14250	1095	18	bank	bank	NOUN
cblr-14250	1095	19	complaint	complaint	NOUN
cblr-14250	1095	20	.	.	PUNCT
cblr-14250	1096	1	183	183	NUM
cblr-14250	1096	2	oversight	oversight	NOUN
cblr-14250	1096	3	on	on	ADP
cblr-14250	1096	4	consumer	consumer	NOUN
cblr-14250	1096	5	protection	protection	NOUN
cblr-14250	1096	6	activities	activity	NOUN
cblr-14250	1096	7	:	:	PUNCT
cblr-14250	1096	8	hearings	hearing	NOUN
cblr-14250	1096	9	before	before	ADP
cblr-14250	1096	10	the	the	DET
cblr-14250	1096	11	s.	s.	PROPN
cblr-14250	1096	12	comm	comm	NOUN
cblr-14250	1096	13	.	.	PUNCT
cblr-14250	1097	1	on	on	ADP
cblr-14250	1097	2	banking	bank	VERB
cblr-14250	1097	3	housing	housing	NOUN
cblr-14250	1097	4	and	and	CCONJ
cblr-14250	1097	5	urban	urban	ADJ
cblr-14250	1097	6	aff	aff	PROPN
cblr-14250	1097	7	.	.	PROPN
cblr-14250	1097	8	,	,	PUNCT
cblr-14250	1097	9	94th	94th	PROPN
cblr-14250	1097	10	cong	cong	NOUN
cblr-14250	1097	11	.	.	PUNCT
cblr-14250	1098	1	447	447	NUM
cblr-14250	1098	2	,	,	PUNCT
cblr-14250	1098	3	453	453	NUM
cblr-14250	1098	4	,	,	PUNCT
cblr-14250	1098	5	457	457	NUM
cblr-14250	1098	6	(	(	PUNCT
cblr-14250	1098	7	1976	1976	NUM
cblr-14250	1098	8	)	)	PUNCT
cblr-14250	1098	9	;	;	PUNCT
cblr-14250	1098	10	home	home	NOUN
cblr-14250	1098	11	mortgage	mortgage	NOUN
cblr-14250	1098	12	disclosure	disclosure	NOUN
cblr-14250	1098	13	and	and	CCONJ
cblr-14250	1098	14	equal	equal	ADJ
cblr-14250	1098	15	credit	credit	NOUN
cblr-14250	1098	16	opportunity	opportunity	NOUN
cblr-14250	1098	17	:	:	PUNCT
cblr-14250	1098	18	hearings	hearing	NOUN
cblr-14250	1098	19	before	before	ADP
cblr-14250	1098	20	the	the	DET
cblr-14250	1098	21	s.	s.	PROPN
cblr-14250	1098	22	comm	comm	NOUN
cblr-14250	1098	23	.	.	PUNCT
cblr-14250	1099	1	on	on	ADP
cblr-14250	1099	2	banking	banking	NOUN
cblr-14250	1099	3	,	,	PUNCT
cblr-14250	1099	4	hous	hous	ADJ
cblr-14250	1099	5	.	.	PUNCT
cblr-14250	1099	6	,	,	PUNCT
cblr-14250	1099	7	and	and	CCONJ
cblr-14250	1099	8	urban	urban	ADJ
cblr-14250	1099	9	aff	aff	PROPN
cblr-14250	1099	10	.	.	PROPN
cblr-14250	1099	11	,	,	PUNCT
cblr-14250	1099	12	94th	94th	NOUN
cblr-14250	1099	13	cong	cong	NOUN
cblr-14250	1099	14	.	.	PUNCT
cblr-14250	1100	1	3–4	3–4	NUM
cblr-14250	1100	2	(	(	PUNCT
cblr-14250	1100	3	statement	statement	NOUN
cblr-14250	1100	4	of	of	ADP
cblr-14250	1100	5	philip	philip	PROPN
cblr-14250	1100	6	jackson	jackson	PROPN
cblr-14250	1100	7	,	,	PUNCT
cblr-14250	1100	8	member	member	PROPN
cblr-14250	1100	9	,	,	PUNCT
cblr-14250	1100	10	bd	bd	PROPN
cblr-14250	1100	11	.	.	PROPN
cblr-14250	1100	12	of	of	ADP
cblr-14250	1100	13	governors	governor	NOUN
cblr-14250	1100	14	,	,	PUNCT
cblr-14250	1100	15	fed	fed	PROPN
cblr-14250	1100	16	.	.	PUNCT
cblr-14250	1100	17	rsrv	rsrv	PROPN
cblr-14250	1100	18	.	.	PUNCT
cblr-14250	1101	1	sys	sys	PROPN
cblr-14250	1101	2	.	.	PUNCT
cblr-14250	1101	3	)	)	PUNCT
cblr-14250	1102	1	(	(	PUNCT
cblr-14250	1102	2	1976	1976	NUM
cblr-14250	1102	3	)	)	PUNCT
cblr-14250	1102	4	;	;	PUNCT
cblr-14250	1102	5	banking	bank	VERB
cblr-14250	1102	6	regulatory	regulatory	ADJ
cblr-14250	1102	7	agencies	agency	NOUN
cblr-14250	1102	8	'	'	PART
cblr-14250	1102	9	enforcement	enforcement	NOUN
cblr-14250	1102	10	of	of	ADP
cblr-14250	1102	11	the	the	DET
cblr-14250	1102	12	equal	equal	ADJ
cblr-14250	1102	13	credit	credit	NOUN
cblr-14250	1102	14	opportunity	opportunity	NOUN
cblr-14250	1102	15	act	act	NOUN
cblr-14250	1102	16	and	and	CCONJ
cblr-14250	1102	17	the	the	DET
cblr-14250	1102	18	fair	fair	ADJ
cblr-14250	1102	19	housing	housing	PROPN
cblr-14250	1102	20	act	act	PROPN
cblr-14250	1102	21	:	:	PUNCT
cblr-14250	1102	22	hearings	hearing	NOUN
cblr-14250	1102	23	before	before	ADP
cblr-14250	1102	24	a	a	DET
cblr-14250	1102	25	h.	h.	PROPN
cblr-14250	1102	26	subcomm	subcomm	NOUN
cblr-14250	1102	27	.	.	PUNCT
cblr-14250	1103	1	on	on	ADP
cblr-14250	1103	2	gov’t	gov’t	X
cblr-14250	1103	3	.	.	PUNCT
cblr-14250	1103	4	operations	operation	NOUN
cblr-14250	1103	5	,	,	PUNCT
cblr-14250	1103	6	95th	95th	ADJ
cblr-14250	1103	7	cong	cong	NOUN
cblr-14250	1103	8	.	.	PUNCT
cblr-14250	1104	1	305	305	NUM
cblr-14250	1104	2	(	(	PUNCT
cblr-14250	1104	3	1978	1978	NUM
cblr-14250	1104	4	)	)	PUNCT
cblr-14250	1104	5	(	(	PUNCT
cblr-14250	1104	6	statement	statement	NOUN
cblr-14250	1104	7	of	of	ADP
cblr-14250	1104	8	carmen	carmen	PROPN
cblr-14250	1104	9	j.	j.	PROPN
cblr-14250	1104	10	sullivan	sullivan	PROPN
cblr-14250	1104	11	,	,	PUNCT
cblr-14250	1104	12	acting	acting	NOUN
cblr-14250	1104	13	director	director	NOUN
cblr-14250	1104	14	,	,	PUNCT
cblr-14250	1104	15	off	off	ADV
cblr-14250	1104	16	.	.	PUNCT
cblr-14250	1104	17	of	of	ADP
cblr-14250	1104	18	consumer	consumer	NOUN
cblr-14250	1104	19	affs	aff	NOUN
cblr-14250	1104	20	.	.	PUNCT
cblr-14250	1104	21	and	and	CCONJ
cblr-14250	1104	22	c.r	c.r	PROPN
cblr-14250	1104	23	.	.	PROPN
cblr-14250	1104	24	,	,	PUNCT
cblr-14250	1104	25	fed	fed	PROPN
cblr-14250	1104	26	.	.	PUNCT
cblr-14250	1105	1	deposit	deposit	PROPN
cblr-14250	1105	2	ins	ins	PROPN
cblr-14250	1105	3	.	.	PUNCT
cblr-14250	1105	4	corp	corp	PROPN
cblr-14250	1105	5	.	.	PROPN
cblr-14250	1105	6	)	)	PUNCT
cblr-14250	1105	7	.	.	PUNCT
cblr-14250	1106	1	184	184	NUM
cblr-14250	1106	2	joyce	joyce	PROPN
cblr-14250	1106	3	m.	m.	PROPN
cblr-14250	1106	4	saxon	saxon	PROPN
cblr-14250	1106	5	,	,	PUNCT
cblr-14250	1106	6	implementing	implement	VERB
cblr-14250	1106	7	a	a	DET
cblr-14250	1106	8	program	program	NOUN
cblr-14250	1106	9	for	for	ADP
cblr-14250	1106	10	consumer	consumer	NOUN
cblr-14250	1106	11	regulation	regulation	NOUN
cblr-14250	1106	12	compliance	compliance	NOUN
cblr-14250	1106	13	,	,	PUNCT
cblr-14250	1106	14	53	53	NUM
cblr-14250	1106	15	mag	mag	NOUN
cblr-14250	1106	16	.	.	PUNCT
cblr-14250	1107	1	bank	bank	PROPN
cblr-14250	1107	2	admin	admin	PROPN
cblr-14250	1107	3	.	.	PUNCT
cblr-14250	1108	1	18	18	NUM
cblr-14250	1108	2	(	(	PUNCT
cblr-14250	1108	3	1977	1977	NUM
cblr-14250	1108	4	)	)	PUNCT
cblr-14250	1108	5	;	;	PUNCT
cblr-14250	1109	1	william	william	PROPN
cblr-14250	1109	2	l.	l.	PROPN
cblr-14250	1109	3	hearn	hearn	PROPN
cblr-14250	1109	4	,	,	PUNCT
cblr-14250	1109	5	why	why	SCONJ
cblr-14250	1109	6	have	have	VERB
cblr-14250	1109	7	a	a	DET
cblr-14250	1109	8	compliance	compliance	NOUN
cblr-14250	1109	9	officer	officer	NOUN
cblr-14250	1109	10	?	?	PUNCT
cblr-14250	1109	11	,	,	PUNCT
cblr-14250	1109	12	60	60	NUM
cblr-14250	1109	13	j.	j.	NOUN
cblr-14250	1109	14	of	of	ADP
cblr-14250	1109	15	com	com	PROPN
cblr-14250	1109	16	.	.	PUNCT
cblr-14250	1109	17	bank	bank	PROPN
cblr-14250	1109	18	lending	lending	NOUN
cblr-14250	1109	19	29	29	NUM
cblr-14250	1109	20	(	(	PUNCT
cblr-14250	1109	21	1978	1978	NUM
cblr-14250	1109	22	)	)	PUNCT
cblr-14250	1109	23	;	;	PUNCT
cblr-14250	1109	24	karen	karen	PROPN
cblr-14250	1109	25	a.	a.	PROPN
cblr-14250	1109	26	oswald	oswald	PROPN
cblr-14250	1109	27	,	,	PUNCT
cblr-14250	1109	28	developing	develop	VERB
cblr-14250	1109	29	and	and	CCONJ
cblr-14250	1109	30	maintaining	maintain	VERB
cblr-14250	1109	31	an	an	DET
cblr-14250	1109	32	ongoing	ongoing	ADJ
cblr-14250	1109	33	consumer	consumer	NOUN
cblr-14250	1109	34	compliance	compliance	NOUN
cblr-14250	1109	35	program	program	NOUN
cblr-14250	1109	36	,	,	PUNCT
cblr-14250	1109	37	1	1	NUM
cblr-14250	1109	38	j.	j.	PROPN
cblr-14250	1109	39	retail	retail	PROPN
cblr-14250	1109	40	banking	banking	NOUN
cblr-14250	1109	41	33	33	NUM
cblr-14250	1109	42	(	(	PUNCT
cblr-14250	1109	43	1979	1979	NUM
cblr-14250	1109	44	)	)	PUNCT
cblr-14250	1109	45	;	;	PUNCT
cblr-14250	1109	46	neil	neil	PROPN
cblr-14250	1109	47	b.	b.	PROPN
cblr-14250	1109	48	murphy	murphy	PROPN
cblr-14250	1109	49	,	,	PUNCT
cblr-14250	1109	50	economies	economy	NOUN
cblr-14250	1109	51	of	of	ADP
cblr-14250	1109	52	scale	scale	NOUN
cblr-14250	1109	53	in	in	ADP
cblr-14250	1109	54	the	the	DET
cblr-14250	1109	55	cost	cost	NOUN
cblr-14250	1109	56	of	of	ADP
cblr-14250	1109	57	compliance	compliance	NOUN
cblr-14250	1109	58	with	with	ADP
cblr-14250	1109	59	consumer	consumer	NOUN
cblr-14250	1109	60	credit	credit	NOUN
cblr-14250	1109	61	protection	protection	NOUN
cblr-14250	1109	62	laws	law	NOUN
cblr-14250	1109	63	:	:	PUNCT
cblr-14250	1109	64	the	the	DET
cblr-14250	1109	65	case	case	NOUN
cblr-14250	1109	66	of	of	ADP
cblr-14250	1109	67	the	the	DET
cblr-14250	1109	68	implementation	implementation	NOUN
cblr-14250	1109	69	of	of	ADP
cblr-14250	1109	70	the	the	DET
cblr-14250	1109	71	equal	equal	ADJ
cblr-14250	1109	72	credit	credit	NOUN
cblr-14250	1109	73	opportunity	opportunity	NOUN
cblr-14250	1109	74	act	act	NOUN
cblr-14250	1109	75	of	of	ADP
cblr-14250	1109	76	1974	1974	NUM
cblr-14250	1109	77	,	,	PUNCT
cblr-14250	1109	78	10	10	NUM
cblr-14250	1109	79	j.	j.	PROPN
cblr-14250	1109	80	bank	bank	PROPN
cblr-14250	1109	81	rsch	rsch	PROPN
cblr-14250	1109	82	.	.	PUNCT
cblr-14250	1110	1	248	248	NUM
cblr-14250	1110	2	(	(	PUNCT
cblr-14250	1110	3	1980	1980	NUM
cblr-14250	1110	4	)	)	PUNCT
cblr-14250	1110	5	.	.	PUNCT
cblr-14250	1111	1	210	210	NUM
cblr-14250	1111	2	columbia	columbia	PROPN
cblr-14250	1111	3	business	business	NOUN
cblr-14250	1111	4	law	law	PROPN
cblr-14250	1111	5	review	review	NOUN
cblr-14250	1111	6	[	[	X
cblr-14250	1111	7	vol	vol	NOUN
cblr-14250	1111	8	.	.	PUNCT
cblr-14250	1111	9	2025	2025	NUM
cblr-14250	1111	10	ultimately	ultimately	ADV
cblr-14250	1111	11	,	,	PUNCT
cblr-14250	1111	12	like	like	ADP
cblr-14250	1111	13	antitrust	antitrust	ADJ
cblr-14250	1111	14	,	,	PUNCT
cblr-14250	1111	15	consumer	consumer	NOUN
cblr-14250	1111	16	protection	protection	NOUN
cblr-14250	1111	17	legislation	legislation	NOUN
cblr-14250	1111	18	created	create	VERB
cblr-14250	1111	19	a	a	DET
cblr-14250	1111	20	bank	bank	NOUN
cblr-14250	1111	21	policy	policy	NOUN
cblr-14250	1111	22	constituency	constituency	NOUN
cblr-14250	1111	23	outside	outside	ADP
cblr-14250	1111	24	the	the	DET
cblr-14250	1111	25	nexus	nexus	NOUN
cblr-14250	1111	26	of	of	ADP
cblr-14250	1111	27	shared	share	VERB
cblr-14250	1111	28	risk	risk	NOUN
cblr-14250	1111	29	management	management	NOUN
cblr-14250	1111	30	.	.	PUNCT
cblr-14250	1112	1	federal	federal	PROPN
cblr-14250	1112	2	bank	bank	PROPN
cblr-14250	1112	3	supervisors	supervisor	NOUN
cblr-14250	1112	4	faced	face	VERB
cblr-14250	1112	5	a	a	DET
cblr-14250	1112	6	fundamental	fundamental	ADJ
cblr-14250	1112	7	dilemma	dilemma	NOUN
cblr-14250	1112	8	:	:	PUNCT
cblr-14250	1112	9	help	help	VERB
cblr-14250	1112	10	bankers	banker	NOUN
cblr-14250	1112	11	proactively	proactively	ADV
cblr-14250	1112	12	manage	manage	VERB
cblr-14250	1112	13	the	the	DET
cblr-14250	1112	14	risks	risk	NOUN
cblr-14250	1112	15	of	of	ADP
cblr-14250	1112	16	consumer	consumer	NOUN
cblr-14250	1112	17	enforcement	enforcement	NOUN
cblr-14250	1112	18	or	or	CCONJ
cblr-14250	1112	19	help	help	VERB
cblr-14250	1112	20	consumers	consumer	NOUN
cblr-14250	1112	21	retroactively	retroactively	ADV
cblr-14250	1112	22	police	police	VERB
cblr-14250	1112	23	banker	banker	NOUN
cblr-14250	1112	24	behavior	behavior	NOUN
cblr-14250	1112	25	.	.	PUNCT
cblr-14250	1113	1	through	through	ADP
cblr-14250	1113	2	discretion	discretion	NOUN
cblr-14250	1113	3	and	and	CCONJ
cblr-14250	1113	4	institutional	institutional	ADJ
cblr-14250	1113	5	mitosis	mitosis	NOUN
cblr-14250	1113	6	,	,	PUNCT
cblr-14250	1113	7	they	they	PRON
cblr-14250	1113	8	sought	seek	VERB
cblr-14250	1113	9	to	to	PART
cblr-14250	1113	10	split	split	VERB
cblr-14250	1113	11	the	the	DET
cblr-14250	1113	12	difference	difference	NOUN
cblr-14250	1113	13	,	,	PUNCT
cblr-14250	1113	14	unintentionally	unintentionally	ADV
cblr-14250	1113	15	seeding	seed	VERB
cblr-14250	1113	16	a	a	DET
cblr-14250	1113	17	riskmanagement	riskmanagement	NOUN
cblr-14250	1113	18	arms	arm	NOUN
cblr-14250	1113	19	race	race	NOUN
cblr-14250	1113	20	.	.	PUNCT
cblr-14250	1114	1	c.	c.	NOUN
cblr-14250	1115	1	the	the	DET
cblr-14250	1115	2	expanding	expand	VERB
cblr-14250	1115	3	portfolio	portfolio	NOUN
cblr-14250	1115	4	:	:	PUNCT
cblr-14250	1115	5	bank	bank	NOUN
cblr-14250	1115	6	supervision	supervision	NOUN
cblr-14250	1115	7	and	and	CCONJ
cblr-14250	1115	8	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1115	9	the	the	DET
cblr-14250	1115	10	third	third	ADJ
cblr-14250	1115	11	major	major	ADJ
cblr-14250	1115	12	component	component	NOUN
cblr-14250	1115	13	of	of	ADP
cblr-14250	1115	14	the	the	DET
cblr-14250	1115	15	expanding	expand	VERB
cblr-14250	1115	16	portfolio	portfolio	NOUN
cblr-14250	1115	17	of	of	ADP
cblr-14250	1115	18	bank	bank	PROPN
cblr-14250	1115	19	supervision	supervision	NOUN
cblr-14250	1115	20	was	be	AUX
cblr-14250	1115	21	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1115	22	.	.	PUNCT
cblr-14250	1116	1	the	the	DET
cblr-14250	1116	2	long	long	ADJ
cblr-14250	1116	3	legacies	legacy	NOUN
cblr-14250	1116	4	of	of	ADP
cblr-14250	1116	5	redlining	redline	VERB
cblr-14250	1116	6	and	and	CCONJ
cblr-14250	1116	7	racial	racial	ADJ
cblr-14250	1116	8	exclusion	exclusion	NOUN
cblr-14250	1116	9	left	leave	VERB
cblr-14250	1116	10	africanamericans	africanamerican	NOUN
cblr-14250	1116	11	without	without	ADP
cblr-14250	1116	12	access	access	NOUN
cblr-14250	1116	13	to	to	ADP
cblr-14250	1116	14	the	the	DET
cblr-14250	1116	15	low	low	ADJ
cblr-14250	1116	16	-	-	PUNCT
cblr-14250	1116	17	cost	cost	NOUN
cblr-14250	1116	18	financing	financing	NOUN
cblr-14250	1116	19	,	,	PUNCT
cblr-14250	1116	20	which	which	PRON
cblr-14250	1116	21	enabled	enable	VERB
cblr-14250	1116	22	white	white	ADJ
cblr-14250	1116	23	households	household	NOUN
cblr-14250	1116	24	to	to	PART
cblr-14250	1116	25	build	build	VERB
cblr-14250	1116	26	substantial	substantial	ADJ
cblr-14250	1116	27	housing	housing	NOUN
cblr-14250	1116	28	wealth.185	wealth.185	ADP
cblr-14250	1116	29	the	the	DET
cblr-14250	1116	30	initial	initial	ADJ
cblr-14250	1116	31	wave	wave	NOUN
cblr-14250	1116	32	of	of	ADP
cblr-14250	1116	33	federal	federal	ADJ
cblr-14250	1116	34	civil	civil	ADJ
cblr-14250	1116	35	rights	right	NOUN
cblr-14250	1116	36	legislation	legislation	NOUN
cblr-14250	1116	37	did	do	AUX
cblr-14250	1116	38	little	little	ADJ
cblr-14250	1116	39	to	to	PART
cblr-14250	1116	40	address	address	VERB
cblr-14250	1116	41	this	this	DET
cblr-14250	1116	42	problem.186	problem.186	NOUN
cblr-14250	1116	43	as	as	ADP
cblr-14250	1116	44	activists	activist	NOUN
cblr-14250	1116	45	increasingly	increasingly	ADV
cblr-14250	1116	46	demanded	demand	VERB
cblr-14250	1116	47	economic	economic	ADJ
cblr-14250	1116	48	equality	equality	NOUN
cblr-14250	1116	49	as	as	ADP
cblr-14250	1116	50	the	the	DET
cblr-14250	1116	51	necessary	necessary	ADJ
cblr-14250	1116	52	complement	complement	NOUN
cblr-14250	1116	53	to	to	ADP
cblr-14250	1116	54	civil	civil	ADJ
cblr-14250	1116	55	equality	equality	NOUN
cblr-14250	1116	56	,	,	PUNCT
cblr-14250	1116	57	congress	congress	PROPN
cblr-14250	1116	58	sought	seek	VERB
cblr-14250	1116	59	to	to	PART
cblr-14250	1116	60	address	address	VERB
cblr-14250	1116	61	financial	financial	ADJ
cblr-14250	1116	62	inclusion	inclusion	NOUN
cblr-14250	1116	63	through	through	ADP
cblr-14250	1116	64	the	the	DET
cblr-14250	1116	65	185	185	NUM
cblr-14250	1116	66	see	see	NOUN
cblr-14250	1116	67	mehrsa	mehrsa	NOUN
cblr-14250	1116	68	baradaran	baradaran	PROPN
cblr-14250	1116	69	,	,	PUNCT
cblr-14250	1116	70	jim	jim	PROPN
cblr-14250	1116	71	crow	crow	PROPN
cblr-14250	1116	72	credit	credit	NOUN
cblr-14250	1116	73	,	,	PUNCT
cblr-14250	1116	74	9	9	NUM
cblr-14250	1116	75	u.c	u.c	PROPN
cblr-14250	1116	76	.	.	PROPN
cblr-14250	1116	77	irvine	irvine	PROPN
cblr-14250	1116	78	l.	l.	PROPN
cblr-14250	1116	79	rev	rev	PROPN
cblr-14250	1116	80	.	.	PROPN
cblr-14250	1116	81	887	887	NUM
cblr-14250	1116	82	(	(	PUNCT
cblr-14250	1116	83	2019	2019	NUM
cblr-14250	1116	84	)	)	PUNCT
cblr-14250	1116	85	.	.	PUNCT
cblr-14250	1117	1	186	186	NUM
cblr-14250	1117	2	see	see	VERB
cblr-14250	1117	3	douglas	douglas	PROPN
cblr-14250	1117	4	massey	massey	PROPN
cblr-14250	1117	5	,	,	PUNCT
cblr-14250	1117	6	the	the	DET
cblr-14250	1117	7	legacy	legacy	NOUN
cblr-14250	1117	8	of	of	ADP
cblr-14250	1117	9	the	the	DET
cblr-14250	1117	10	1968	1968	NUM
cblr-14250	1117	11	fair	fair	ADJ
cblr-14250	1117	12	housing	housing	PROPN
cblr-14250	1117	13	act	act	PROPN
cblr-14250	1117	14	,	,	PUNCT
cblr-14250	1117	15	30	30	NUM
cblr-14250	1117	16	socio	socio	NOUN
cblr-14250	1117	17	.	.	PUNCT
cblr-14250	1118	1	f.	f.	PROPN
cblr-14250	1118	2	574	574	NUM
cblr-14250	1118	3	(	(	PUNCT
cblr-14250	1118	4	2015	2015	NUM
cblr-14250	1118	5	)	)	PUNCT
cblr-14250	1118	6	.	.	PUNCT
cblr-14250	1119	1	no	no	INTJ
cblr-14250	1119	2	.	.	NOUN
cblr-14250	1119	3	1	1	NUM
cblr-14250	1119	4	]	]	PUNCT
cblr-14250	1119	5	risk	risk	NOUN
cblr-14250	1119	6	,	,	PUNCT
cblr-14250	1119	7	discretion	discretion	NOUN
cblr-14250	1119	8	,	,	PUNCT
cblr-14250	1119	9	and	and	CCONJ
cblr-14250	1119	10	bank	bank	NOUN
cblr-14250	1119	11	supervision	supervision	NOUN
cblr-14250	1119	12	211	211	NUM
cblr-14250	1119	13	1968	1968	NUM
cblr-14250	1119	14	fair	fair	ADJ
cblr-14250	1119	15	housing	housing	NOUN
cblr-14250	1119	16	act,187	act,187	PROPN
cblr-14250	1119	17	which	which	DET
cblr-14250	1119	18	outlawed	outlaw	VERB
cblr-14250	1119	19	discrimination	discrimination	NOUN
cblr-14250	1119	20	in	in	ADP
cblr-14250	1119	21	housing	housing	NOUN
cblr-14250	1119	22	,	,	PUNCT
cblr-14250	1119	23	including	include	VERB
cblr-14250	1119	24	discrimination	discrimination	NOUN
cblr-14250	1119	25	in	in	ADP
cblr-14250	1119	26	housing	housing	NOUN
cblr-14250	1119	27	finance.188	finance.188	PROPN
cblr-14250	1119	28	the	the	DET
cblr-14250	1119	29	law	law	NOUN
cblr-14250	1119	30	’s	’s	PART
cblr-14250	1119	31	ambitions	ambition	NOUN
cblr-14250	1119	32	were	be	AUX
cblr-14250	1119	33	grand	grand	ADJ
cblr-14250	1119	34	:	:	PUNCT
cblr-14250	1119	35	“	"	PUNCT
cblr-14250	1119	36	[	[	X
cblr-14250	1119	37	i]t	i]t	X
cblr-14250	1119	38	is	be	AUX
cblr-14250	1119	39	the	the	DET
cblr-14250	1119	40	policy	policy	NOUN
cblr-14250	1119	41	of	of	ADP
cblr-14250	1119	42	the	the	DET
cblr-14250	1119	43	united	united	PROPN
cblr-14250	1119	44	states	states	PROPN
cblr-14250	1119	45	to	to	PART
cblr-14250	1119	46	provide	provide	VERB
cblr-14250	1119	47	,	,	PUNCT
cblr-14250	1119	48	within	within	ADP
cblr-14250	1119	49	constitutional	constitutional	ADJ
cblr-14250	1119	50	limitations	limitation	NOUN
cblr-14250	1119	51	,	,	PUNCT
cblr-14250	1119	52	for	for	ADP
cblr-14250	1119	53	fair	fair	ADJ
cblr-14250	1119	54	housing	housing	NOUN
cblr-14250	1119	55	throughout	throughout	ADP
cblr-14250	1119	56	the	the	DET
cblr-14250	1119	57	united	united	PROPN
cblr-14250	1119	58	states	states	PROPN
cblr-14250	1119	59	.	.	PUNCT
cblr-14250	1120	1	”189	”189	PUNCT
cblr-14250	1120	2	the	the	DET
cblr-14250	1120	3	enforcement	enforcement	NOUN
cblr-14250	1120	4	mechanisms	mechanism	NOUN
cblr-14250	1120	5	,	,	PUNCT
cblr-14250	1120	6	however	however	ADV
cblr-14250	1120	7	,	,	PUNCT
cblr-14250	1120	8	had	have	AUX
cblr-14250	1120	9	been	be	AUX
cblr-14250	1120	10	weakened	weaken	VERB
cblr-14250	1120	11	through	through	ADP
cblr-14250	1120	12	political	political	ADJ
cblr-14250	1120	13	compromise	compromise	NOUN
cblr-14250	1120	14	.	.	PUNCT
cblr-14250	1121	1	the	the	DET
cblr-14250	1121	2	department	department	NOUN
cblr-14250	1121	3	of	of	ADP
cblr-14250	1121	4	housing	housing	PROPN
cblr-14250	1121	5	and	and	CCONJ
cblr-14250	1121	6	urban	urban	PROPN
cblr-14250	1121	7	development	development	PROPN
cblr-14250	1121	8	(	(	PUNCT
cblr-14250	1121	9	hud	hud	PROPN
cblr-14250	1121	10	)	)	PUNCT
cblr-14250	1121	11	had	have	VERB
cblr-14250	1121	12	no	no	DET
cblr-14250	1121	13	tools	tool	NOUN
cblr-14250	1121	14	to	to	PART
cblr-14250	1121	15	compel	compel	VERB
cblr-14250	1121	16	compliance	compliance	NOUN
cblr-14250	1121	17	with	with	ADP
cblr-14250	1121	18	the	the	DET
cblr-14250	1121	19	housing	housing	PROPN
cblr-14250	1121	20	act	act	PROPN
cblr-14250	1121	21	’s	’s	PART
cblr-14250	1121	22	provisions	provision	NOUN
cblr-14250	1121	23	.	.	PUNCT
cblr-14250	1122	1	the	the	DET
cblr-14250	1122	2	doj	doj	PROPN
cblr-14250	1122	3	,	,	PUNCT
cblr-14250	1122	4	meanwhile	meanwhile	ADV
cblr-14250	1122	5	,	,	PUNCT
cblr-14250	1122	6	could	could	AUX
cblr-14250	1122	7	only	only	ADV
cblr-14250	1122	8	bring	bring	VERB
cblr-14250	1122	9	suit	suit	NOUN
cblr-14250	1122	10	if	if	SCONJ
cblr-14250	1122	11	there	there	PRON
cblr-14250	1122	12	was	be	VERB
cblr-14250	1122	13	“	"	PUNCT
cblr-14250	1122	14	a	a	DET
cblr-14250	1122	15	pattern	pattern	NOUN
cblr-14250	1122	16	or	or	CCONJ
cblr-14250	1122	17	practice	practice	NOUN
cblr-14250	1122	18	”	"	PUNCT
cblr-14250	1122	19	of	of	ADP
cblr-14250	1122	20	discrimination	discrimination	NOUN
cblr-14250	1122	21	.	.	PUNCT
cblr-14250	1123	1	hud	hud	PROPN
cblr-14250	1123	2	tasked	task	VERB
cblr-14250	1123	3	supervisory	supervisory	ADJ
cblr-14250	1123	4	agencies	agency	NOUN
cblr-14250	1123	5	with	with	ADP
cblr-14250	1123	6	ensuring	ensure	VERB
cblr-14250	1123	7	compliance	compliance	NOUN
cblr-14250	1123	8	.	.	PUNCT
cblr-14250	1124	1	as	as	ADP
cblr-14250	1124	2	with	with	ADP
cblr-14250	1124	3	consumer	consumer	NOUN
cblr-14250	1124	4	regulation	regulation	NOUN
cblr-14250	1124	5	,	,	PUNCT
cblr-14250	1124	6	examiners	examiner	NOUN
cblr-14250	1124	7	initially	initially	ADV
cblr-14250	1124	8	did	do	VERB
cblr-14250	1124	9	so	so	ADV
cblr-14250	1124	10	through	through	ADP
cblr-14250	1124	11	the	the	DET
cblr-14250	1124	12	regular	regular	ADJ
cblr-14250	1124	13	course	course	NOUN
cblr-14250	1124	14	of	of	ADP
cblr-14250	1124	15	examination.190	examination.190	NOUN
cblr-14250	1124	16	although	although	SCONJ
cblr-14250	1124	17	the	the	DET
cblr-14250	1124	18	forceful	forceful	ADJ
cblr-14250	1124	19	class	class	NOUN
cblr-14250	1124	20	action	action	NOUN
cblr-14250	1124	21	provisions	provision	NOUN
cblr-14250	1124	22	of	of	ADP
cblr-14250	1124	23	the	the	DET
cblr-14250	1124	24	truthin	truthin	NOUN
cblr-14250	1124	25	-	-	PUNCT
cblr-14250	1124	26	lending	lending	NOUN
cblr-14250	1124	27	led	lead	VERB
cblr-14250	1124	28	examiners	examiner	NOUN
cblr-14250	1124	29	to	to	PART
cblr-14250	1124	30	take	take	VERB
cblr-14250	1124	31	the	the	DET
cblr-14250	1124	32	threat	threat	NOUN
cblr-14250	1124	33	of	of	ADP
cblr-14250	1124	34	consumer	consumer	NOUN
cblr-14250	1124	35	187	187	NUM
cblr-14250	1124	36	there	there	PRON
cblr-14250	1124	37	was	be	VERB
cblr-14250	1124	38	a	a	DET
cblr-14250	1124	39	parallel	parallel	ADJ
cblr-14250	1124	40	effort	effort	NOUN
cblr-14250	1124	41	to	to	PART
cblr-14250	1124	42	use	use	VERB
cblr-14250	1124	43	supervision	supervision	NOUN
cblr-14250	1124	44	to	to	PART
cblr-14250	1124	45	combat	combat	VERB
cblr-14250	1124	46	discrimination	discrimination	NOUN
cblr-14250	1124	47	in	in	ADP
cblr-14250	1124	48	bank	bank	NOUN
cblr-14250	1124	49	employment	employment	NOUN
cblr-14250	1124	50	.	.	PUNCT
cblr-14250	1125	1	on	on	ADP
cblr-14250	1125	2	september	september	PROPN
cblr-14250	1125	3	24	24	NUM
cblr-14250	1125	4	,	,	PUNCT
cblr-14250	1125	5	1965	1965	NUM
cblr-14250	1125	6	,	,	PUNCT
cblr-14250	1125	7	lyndon	lyndon	PROPN
cblr-14250	1125	8	johnson	johnson	PROPN
cblr-14250	1125	9	issued	issue	VERB
cblr-14250	1125	10	executive	executive	ADJ
cblr-14250	1125	11	order	order	NOUN
cblr-14250	1125	12	11246	11246	NUM
cblr-14250	1125	13	,	,	PUNCT
cblr-14250	1125	14	required	require	VERB
cblr-14250	1125	15	federal	federal	ADJ
cblr-14250	1125	16	contractors	contractor	NOUN
cblr-14250	1125	17	to	to	PART
cblr-14250	1125	18	develop	develop	VERB
cblr-14250	1125	19	and	and	CCONJ
cblr-14250	1125	20	implement	implement	VERB
cblr-14250	1125	21	affirmative	affirmative	ADJ
cblr-14250	1125	22	action	action	NOUN
cblr-14250	1125	23	policies	policy	NOUN
cblr-14250	1125	24	.	.	PUNCT
cblr-14250	1126	1	all	all	DET
cblr-14250	1126	2	banks	bank	NOUN
cblr-14250	1126	3	with	with	ADP
cblr-14250	1126	4	50	50	NUM
cblr-14250	1126	5	or	or	CCONJ
cblr-14250	1126	6	more	more	ADJ
cblr-14250	1126	7	employees	employee	NOUN
cblr-14250	1126	8	were	be	AUX
cblr-14250	1126	9	required	require	VERB
cblr-14250	1126	10	to	to	PART
cblr-14250	1126	11	file	file	VERB
cblr-14250	1126	12	equal	equal	ADJ
cblr-14250	1126	13	opportunity	opportunity	NOUN
cblr-14250	1126	14	reports	report	NOUN
cblr-14250	1126	15	.	.	PUNCT
cblr-14250	1127	1	examiners	examiner	NOUN
cblr-14250	1127	2	determines	determine	VERB
cblr-14250	1127	3	if	if	SCONJ
cblr-14250	1127	4	banks	bank	NOUN
cblr-14250	1127	5	filed	file	VERB
cblr-14250	1127	6	their	their	PRON
cblr-14250	1127	7	reports	report	NOUN
cblr-14250	1127	8	and	and	CCONJ
cblr-14250	1127	9	if	if	SCONJ
cblr-14250	1127	10	banks	bank	NOUN
cblr-14250	1127	11	had	have	AUX
cblr-14250	1127	12	written	write	VERB
cblr-14250	1127	13	affirmative	affirmative	ADJ
cblr-14250	1127	14	action	action	NOUN
cblr-14250	1127	15	plans	plan	NOUN
cblr-14250	1127	16	and	and	CCONJ
cblr-14250	1127	17	reported	report	VERB
cblr-14250	1127	18	non	non	ADJ
cblr-14250	1127	19	-	-	NOUN
cblr-14250	1127	20	compliance	compliance	NOUN
cblr-14250	1127	21	to	to	ADP
cblr-14250	1127	22	the	the	DET
cblr-14250	1127	23	treasury	treasury	NOUN
cblr-14250	1127	24	’s	’s	PART
cblr-14250	1127	25	equal	equal	ADJ
cblr-14250	1127	26	employment	employment	NOUN
cblr-14250	1127	27	opportunity	opportunity	NOUN
cblr-14250	1127	28	department	department	NOUN
cblr-14250	1127	29	.	.	PUNCT
cblr-14250	1128	1	letter	letter	NOUN
cblr-14250	1128	2	from	from	ADP
cblr-14250	1128	3	charles	charles	PROPN
cblr-14250	1128	4	e.	e.	PROPN
cblr-14250	1128	5	walker	walker	PROPN
cblr-14250	1129	1	to	to	ADP
cblr-14250	1129	2	frank	frank	VERB
cblr-14250	1129	3	wille	wille	NOUN
cblr-14250	1129	4	(	(	PUNCT
cblr-14250	1129	5	feb	feb	PROPN
cblr-14250	1129	6	.	.	PROPN
cblr-14250	1129	7	25	25	NUM
cblr-14250	1129	8	,	,	PUNCT
cblr-14250	1129	9	1971	1971	NUM
cblr-14250	1129	10	)	)	PUNCT
cblr-14250	1129	11	(	(	PUNCT
cblr-14250	1129	12	on	on	ADP
cblr-14250	1129	13	file	file	NOUN
cblr-14250	1129	14	with	with	ADP
cblr-14250	1129	15	nat’l	nat’l	NOUN
cblr-14250	1129	16	archives	archive	NOUN
cblr-14250	1129	17	,	,	PUNCT
cblr-14250	1129	18	records	record	NOUN
cblr-14250	1129	19	of	of	ADP
cblr-14250	1129	20	the	the	DET
cblr-14250	1129	21	fed	fed	PROPN
cblr-14250	1129	22	.	.	PUNCT
cblr-14250	1130	1	deposit	deposit	PROPN
cblr-14250	1130	2	ins	ins	PROPN
cblr-14250	1130	3	.	.	PUNCT
cblr-14250	1130	4	corp	corp	PROPN
cblr-14250	1130	5	.	.	PROPN
cblr-14250	1130	6	,	,	PUNCT
cblr-14250	1130	7	record	record	NOUN
cblr-14250	1130	8	group	group	NOUN
cblr-14250	1130	9	34	34	NUM
cblr-14250	1130	10	,	,	PUNCT
cblr-14250	1130	11	memorandums	memorandum	NOUN
cblr-14250	1130	12	to	to	ADP
cblr-14250	1130	13	regional	regional	ADJ
cblr-14250	1130	14	directors	director	NOUN
cblr-14250	1130	15	,	,	PUNCT
cblr-14250	1130	16	1967–1975	1967–1975	NUM
cblr-14250	1130	17	,	,	PUNCT
cblr-14250	1130	18	box	box	NOUN
cblr-14250	1130	19	1	1	NUM
cblr-14250	1130	20	)	)	PUNCT
cblr-14250	1130	21	;	;	PUNCT
cblr-14250	1130	22	memorandum	memorandum	NOUN
cblr-14250	1130	23	from	from	ADP
cblr-14250	1130	24	edward	edward	PROPN
cblr-14250	1130	25	j.	j.	PROPN
cblr-14250	1130	26	roddy	roddy	PROPN
cblr-14250	1130	27	to	to	ADP
cblr-14250	1130	28	regional	regional	ADJ
cblr-14250	1130	29	directors	director	NOUN
cblr-14250	1130	30	(	(	PUNCT
cblr-14250	1130	31	mar	mar	PROPN
cblr-14250	1130	32	.	.	PROPN
cblr-14250	1130	33	31	31	NUM
cblr-14250	1130	34	,	,	PUNCT
cblr-14250	1130	35	1971	1971	NUM
cblr-14250	1130	36	)	)	PUNCT
cblr-14250	1130	37	(	(	PUNCT
cblr-14250	1130	38	on	on	ADP
cblr-14250	1130	39	file	file	NOUN
cblr-14250	1130	40	with	with	ADP
cblr-14250	1130	41	nat’l	nat’l	NOUN
cblr-14250	1130	42	archives	archive	NOUN
cblr-14250	1130	43	,	,	PUNCT
cblr-14250	1130	44	records	record	NOUN
cblr-14250	1130	45	of	of	ADP
cblr-14250	1130	46	the	the	DET
cblr-14250	1130	47	fed	fed	PROPN
cblr-14250	1130	48	.	.	PUNCT
cblr-14250	1131	1	deposit	deposit	PROPN
cblr-14250	1131	2	ins	ins	PROPN
cblr-14250	1131	3	.	.	PUNCT
cblr-14250	1131	4	corp	corp	PROPN
cblr-14250	1131	5	.	.	PROPN
cblr-14250	1131	6	,	,	PUNCT
cblr-14250	1131	7	record	record	NOUN
cblr-14250	1131	8	group	group	NOUN
cblr-14250	1131	9	34	34	NUM
cblr-14250	1131	10	,	,	PUNCT
cblr-14250	1131	11	memorandums	memorandum	NOUN
cblr-14250	1131	12	to	to	ADP
cblr-14250	1131	13	regional	regional	ADJ
cblr-14250	1131	14	directors	director	NOUN
cblr-14250	1131	15	,	,	PUNCT
cblr-14250	1131	16	1967–1975	1967–1975	NUM
cblr-14250	1131	17	,	,	PUNCT
cblr-14250	1131	18	box	box	NOUN
cblr-14250	1131	19	1	1	NUM
cblr-14250	1131	20	)	)	PUNCT
cblr-14250	1131	21	.	.	PUNCT
cblr-14250	1132	1	188	188	NUM
cblr-14250	1132	2	fair	fair	ADJ
cblr-14250	1132	3	housing	housing	PROPN
cblr-14250	1132	4	act	act	PROPN
cblr-14250	1132	5	,	,	PUNCT
cblr-14250	1132	6	pub	pub	NOUN
cblr-14250	1132	7	.	.	PUNCT
cblr-14250	1133	1	l.	l.	PROPN
cblr-14250	1133	2	no	no	INTJ
cblr-14250	1133	3	.	.	PROPN
cblr-14250	1134	1	90	90	NUM
cblr-14250	1134	2	-	-	SYM
cblr-14250	1134	3	284	284	NUM
cblr-14250	1134	4	,	,	PUNCT
cblr-14250	1134	5	82	82	NUM
cblr-14250	1134	6	stat	stat	NOUN
cblr-14250	1134	7	.	.	PUNCT
cblr-14250	1135	1	83	83	NUM
cblr-14250	1135	2	(	(	PUNCT
cblr-14250	1135	3	1968	1968	NUM
cblr-14250	1135	4	)	)	PUNCT
cblr-14250	1135	5	.	.	PUNCT
cblr-14250	1136	1	189	189	NUM
cblr-14250	1137	1	i	i	PRON
cblr-14250	1137	2	d.	d.	PROPN
cblr-14250	1137	3	at	at	ADP
cblr-14250	1137	4	81	81	NUM
cblr-14250	1137	5	.	.	PUNCT
cblr-14250	1138	1	190	190	NUM
cblr-14250	1138	2	letter	letter	NOUN
cblr-14250	1138	3	from	from	ADP
cblr-14250	1138	4	p.e	p.e	PROPN
cblr-14250	1138	5	.	.	PROPN
cblr-14250	1138	6	coldwell	coldwell	PROPN
cblr-14250	1138	7	,	,	PUNCT
cblr-14250	1138	8	president	president	NOUN
cblr-14250	1138	9	of	of	ADP
cblr-14250	1138	10	the	the	DET
cblr-14250	1138	11	fed	fed	PROPN
cblr-14250	1138	12	.	.	PUNCT
cblr-14250	1139	1	reserve	reserve	PROPN
cblr-14250	1139	2	bank	bank	PROPN
cblr-14250	1139	3	of	of	ADP
cblr-14250	1139	4	dall	dall	PROPN
cblr-14250	1139	5	.	.	PUNCT
cblr-14250	1139	6	,	,	PUNCT
cblr-14250	1140	1	to	to	ADP
cblr-14250	1140	2	president	president	NOUN
cblr-14250	1140	3	of	of	ADP
cblr-14250	1140	4	each	each	DET
cblr-14250	1140	5	state	state	NOUN
cblr-14250	1140	6	member	member	NOUN
cblr-14250	1140	7	bank	bank	NOUN
cblr-14250	1140	8	in	in	ADP
cblr-14250	1140	9	the	the	DET
cblr-14250	1140	10	eleventh	eleventh	ADJ
cblr-14250	1140	11	federal	federal	PROPN
cblr-14250	1140	12	reserve	reserve	PROPN
cblr-14250	1140	13	district	district	PROPN
cblr-14250	1140	14	(	(	PUNCT
cblr-14250	1140	15	may	may	PROPN
cblr-14250	1140	16	2	2	NUM
cblr-14250	1140	17	,	,	PUNCT
cblr-14250	1140	18	1969	1969	NUM
cblr-14250	1140	19	)	)	PUNCT
cblr-14250	1140	20	,	,	PUNCT
cblr-14250	1140	21	circular	circular	ADJ
cblr-14250	1140	22	no	no	NOUN
cblr-14250	1140	23	.	.	PUNCT
cblr-14250	1140	24	69	69	NUM
cblr-14250	1140	25	-	-	SYM
cblr-14250	1140	26	113	113	NUM
cblr-14250	1140	27	,	,	PUNCT
cblr-14250	1140	28	district	district	NOUN
cblr-14250	1140	29	notices	notice	NOUN
cblr-14250	1140	30	,	,	PUNCT
cblr-14250	1140	31	https://fraser.stlouisfed.org/title/5569/item/544107	https://fraser.stlouisfed.org/title/5569/item/544107	PROPN
cblr-14250	1141	1	[	[	X
cblr-14250	1141	2	https://perma.cc/pv6dn3x3	https://perma.cc/pv6dn3x3	X
cblr-14250	1141	3	]	]	X
cblr-14250	1141	4	;	;	PUNCT
cblr-14250	1141	5	letter	letter	NOUN
cblr-14250	1141	6	from	from	ADP
cblr-14250	1141	7	alfred	alfred	PROPN
cblr-14250	1141	8	hayes	hayes	PROPN
cblr-14250	1141	9	,	,	PUNCT
cblr-14250	1141	10	president	president	NOUN
cblr-14250	1141	11	of	of	ADP
cblr-14250	1141	12	the	the	DET
cblr-14250	1141	13	fed	fed	PROPN
cblr-14250	1141	14	.	.	PUNCT
cblr-14250	1142	1	reserve	reserve	PROPN
cblr-14250	1142	2	bank	bank	PROPN
cblr-14250	1142	3	of	of	ADP
cblr-14250	1142	4	n.y	n.y	PROPN
cblr-14250	1142	5	.	.	PROPN
cblr-14250	1142	6	,	,	PUNCT
cblr-14250	1142	7	to	to	ADP
cblr-14250	1142	8	the	the	DET
cblr-14250	1142	9	president	president	NOUN
cblr-14250	1142	10	of	of	ADP
cblr-14250	1142	11	each	each	DET
cblr-14250	1142	12	state	state	NOUN
cblr-14250	1142	13	member	member	NOUN
cblr-14250	1142	14	bank	bank	NOUN
cblr-14250	1142	15	in	in	ADP
cblr-14250	1142	16	the	the	DET
cblr-14250	1142	17	second	second	ADJ
cblr-14250	1142	18	federal	federal	PROPN
cblr-14250	1142	19	reserve	reserve	PROPN
cblr-14250	1142	20	district	district	PROPN
cblr-14250	1142	21	(	(	PUNCT
cblr-14250	1142	22	may	may	PROPN
cblr-14250	1142	23	2	2	NUM
cblr-14250	1142	24	,	,	PUNCT
cblr-14250	1142	25	1969	1969	NUM
cblr-14250	1142	26	)	)	PUNCT
cblr-14250	1142	27	,	,	PUNCT
cblr-14250	1142	28	fed	fed	PROPN
cblr-14250	1142	29	.	.	PUNCT
cblr-14250	1142	30	rsrv	rsrv	PROPN
cblr-14250	1142	31	.	.	PUNCT
cblr-14250	1143	1	bank	bank	PROPN
cblr-14250	1143	2	of	of	ADP
cblr-14250	1143	3	n.y	n.y	PROPN
cblr-14250	1143	4	.	.	PROPN
cblr-14250	1143	5	circulars	circulars	PROPN
cblr-14250	1143	6	,	,	PUNCT
cblr-14250	1143	7	https://fraser.stlouisfed.org/title/466/item/14043	https://fraser.stlouisfed.org/title/466/item/14043	PUNCT
cblr-14250	1144	1	[	[	X
cblr-14250	1144	2	https://perma.cc/v6bsvmgx	https://perma.cc/v6bsvmgx	X
cblr-14250	1144	3	]	]	X
cblr-14250	1144	4	.	.	PUNCT
cblr-14250	1144	5	212	212	NUM
cblr-14250	1144	6	columbia	columbia	PROPN
cblr-14250	1144	7	business	business	NOUN
cblr-14250	1144	8	law	law	PROPN
cblr-14250	1144	9	review	review	NOUN
cblr-14250	1145	1	[	[	X
cblr-14250	1145	2	vol	vol	NOUN
cblr-14250	1145	3	.	.	PUNCT
cblr-14250	1145	4	2025	2025	NUM
cblr-14250	1145	5	litigation	litigation	NOUN
cblr-14250	1145	6	seriously	seriously	ADV
cblr-14250	1145	7	,	,	PUNCT
cblr-14250	1145	8	there	there	PRON
cblr-14250	1145	9	is	be	VERB
cblr-14250	1145	10	little	little	ADJ
cblr-14250	1145	11	evidence	evidence	NOUN
cblr-14250	1145	12	that	that	SCONJ
cblr-14250	1145	13	bank	bank	NOUN
cblr-14250	1145	14	examiners	examiner	NOUN
cblr-14250	1145	15	took	take	VERB
cblr-14250	1145	16	assertive	assertive	ADJ
cblr-14250	1145	17	action	action	NOUN
cblr-14250	1145	18	on	on	ADP
cblr-14250	1145	19	fair	fair	ADJ
cblr-14250	1145	20	housing	housing	NOUN
cblr-14250	1145	21	.	.	PUNCT
cblr-14250	1146	1	instead	instead	ADV
cblr-14250	1146	2	,	,	PUNCT
cblr-14250	1146	3	supervisory	supervisory	ADJ
cblr-14250	1146	4	officials	official	NOUN
cblr-14250	1146	5	relied	rely	VERB
cblr-14250	1146	6	on	on	ADP
cblr-14250	1146	7	the	the	DET
cblr-14250	1146	8	1968	1968	NUM
cblr-14250	1146	9	act	act	NOUN
cblr-14250	1146	10	’s	’s	PART
cblr-14250	1146	11	weak	weak	ADJ
cblr-14250	1146	12	enforcement	enforcement	NOUN
cblr-14250	1146	13	mechanisms	mechanism	NOUN
cblr-14250	1146	14	,	,	PUNCT
cblr-14250	1146	15	which	which	PRON
cblr-14250	1146	16	authorized	authorize	VERB
cblr-14250	1146	17	hud	hud	PROPN
cblr-14250	1146	18	to	to	PART
cblr-14250	1146	19	act	act	VERB
cblr-14250	1146	20	only	only	ADV
cblr-14250	1146	21	on	on	ADP
cblr-14250	1146	22	the	the	DET
cblr-14250	1146	23	basis	basis	NOUN
cblr-14250	1146	24	of	of	ADP
cblr-14250	1146	25	consumer	consumer	NOUN
cblr-14250	1146	26	complaints	complaint	NOUN
cblr-14250	1146	27	,	,	PUNCT
cblr-14250	1146	28	to	to	PART
cblr-14250	1146	29	shield	shield	VERB
cblr-14250	1146	30	themselves	themselves	PRON
cblr-14250	1146	31	from	from	ADP
cblr-14250	1146	32	responsibility	responsibility	NOUN
cblr-14250	1146	33	.	.	PUNCT
cblr-14250	1147	1	supervision	supervision	NOUN
cblr-14250	1147	2	by	by	ADP
cblr-14250	1147	3	complaint	complaint	NOUN
cblr-14250	1147	4	was	be	AUX
cblr-14250	1147	5	further	far	ADV
cblr-14250	1147	6	weakened	weaken	VERB
cblr-14250	1147	7	by	by	ADP
cblr-14250	1147	8	the	the	DET
cblr-14250	1147	9	doj	doj	PROPN
cblr-14250	1147	10	’s	’s	PART
cblr-14250	1147	11	insistence	insistence	NOUN
cblr-14250	1147	12	that	that	SCONJ
cblr-14250	1147	13	it	it	PRON
cblr-14250	1147	14	was	be	AUX
cblr-14250	1147	15	“	"	PUNCT
cblr-14250	1147	16	not	not	PART
cblr-14250	1147	17	interested	interested	ADJ
cblr-14250	1147	18	in	in	ADP
cblr-14250	1147	19	individual	individual	ADJ
cblr-14250	1147	20	cases	case	NOUN
cblr-14250	1147	21	,	,	PUNCT
cblr-14250	1147	22	but	but	CCONJ
cblr-14250	1147	23	rather	rather	ADV
cblr-14250	1147	24	in	in	ADP
cblr-14250	1147	25	a	a	DET
cblr-14250	1147	26	pattern	pattern	NOUN
cblr-14250	1147	27	of	of	ADP
cblr-14250	1147	28	discrimination	discrimination	NOUN
cblr-14250	1147	29	.	.	PUNCT
cblr-14250	1147	30	”191	”191	PUNCT
cblr-14250	1148	1	establishing	establish	VERB
cblr-14250	1148	2	such	such	ADJ
cblr-14250	1148	3	patterns	pattern	NOUN
cblr-14250	1148	4	required	require	VERB
cblr-14250	1148	5	evidence	evidence	NOUN
cblr-14250	1148	6	,	,	PUNCT
cblr-14250	1148	7	which	which	PRON
cblr-14250	1148	8	federal	federal	ADJ
cblr-14250	1148	9	supervisors	supervisor	NOUN
cblr-14250	1148	10	assertively	assertively	ADV
cblr-14250	1148	11	failed	fail	VERB
cblr-14250	1148	12	to	to	PART
cblr-14250	1148	13	seek	seek	VERB
cblr-14250	1148	14	.	.	PUNCT
cblr-14250	1149	1	federal	federal	ADJ
cblr-14250	1149	2	supervisors	supervisor	NOUN
cblr-14250	1149	3	could	could	AUX
cblr-14250	1149	4	not	not	PART
cblr-14250	1149	5	conceive	conceive	VERB
cblr-14250	1149	6	of	of	ADP
cblr-14250	1149	7	“	"	PUNCT
cblr-14250	1149	8	any	any	DET
cblr-14250	1149	9	system	system	NOUN
cblr-14250	1149	10	of	of	ADP
cblr-14250	1149	11	bank	bank	NOUN
cblr-14250	1149	12	recordkeeping	recordkeeping	NOUN
cblr-14250	1149	13	which	which	PRON
cblr-14250	1149	14	would	would	AUX
cblr-14250	1149	15	produce	produce	VERB
cblr-14250	1149	16	reliable	reliable	ADJ
cblr-14250	1149	17	or	or	CCONJ
cblr-14250	1149	18	useful	useful	ADJ
cblr-14250	1149	19	data	datum	NOUN
cblr-14250	1149	20	in	in	ADP
cblr-14250	1149	21	this	this	DET
cblr-14250	1149	22	area	area	NOUN
cblr-14250	1149	23	,	,	PUNCT
cblr-14250	1149	24	”	"	PUNCT
cblr-14250	1149	25	comptroller	comptroller	NOUN
cblr-14250	1149	26	william	william	PROPN
cblr-14250	1149	27	b.	b.	PROPN
cblr-14250	1149	28	camp	camp	PROPN
cblr-14250	1149	29	told	tell	VERB
cblr-14250	1149	30	congress	congress	PROPN
cblr-14250	1149	31	in	in	ADP
cblr-14250	1149	32	1971.192	1971.192	NUM
cblr-14250	1149	33	meanwhile	meanwhile	ADV
cblr-14250	1149	34	,	,	PUNCT
cblr-14250	1149	35	the	the	DET
cblr-14250	1149	36	federal	federal	PROPN
cblr-14250	1149	37	reserve	reserve	PROPN
cblr-14250	1149	38	board	board	PROPN
cblr-14250	1149	39	summarized	summarize	VERB
cblr-14250	1149	40	its	its	PRON
cblr-14250	1149	41	campaign	campaign	NOUN
cblr-14250	1149	42	of	of	ADP
cblr-14250	1149	43	willful	willful	ADJ
cblr-14250	1149	44	ignorance	ignorance	NOUN
cblr-14250	1149	45	:	:	PUNCT
cblr-14250	1149	46	“	"	PUNCT
cblr-14250	1149	47	[	[	X
cblr-14250	1149	48	t]he	t]he	X
cblr-14250	1149	49	board	board	NOUN
cblr-14250	1149	50	does	do	AUX
cblr-14250	1149	51	not	not	PART
cblr-14250	1149	52	know	know	VERB
cblr-14250	1149	53	of	of	ADP
cblr-14250	1149	54	any	any	DET
cblr-14250	1149	55	specific	specific	ADJ
cblr-14250	1149	56	cases	case	NOUN
cblr-14250	1149	57	of	of	ADP
cblr-14250	1149	58	discrimination	discrimination	NOUN
cblr-14250	1149	59	,	,	PUNCT
cblr-14250	1149	60	nor	nor	CCONJ
cblr-14250	1149	61	does	do	AUX
cblr-14250	1149	62	it	it	PRON
cblr-14250	1149	63	know	know	VERB
cblr-14250	1149	64	of	of	ADP
cblr-14250	1149	65	any	any	DET
cblr-14250	1149	66	specific	specific	ADJ
cblr-14250	1149	67	institutions	institution	NOUN
cblr-14250	1149	68	whose	whose	DET
cblr-14250	1149	69	practices	practice	NOUN
cblr-14250	1149	70	indicate	indicate	VERB
cblr-14250	1149	71	discriminatory	discriminatory	ADJ
cblr-14250	1149	72	loan	loan	NOUN
cblr-14250	1149	73	practices	practice	NOUN
cblr-14250	1149	74	.	.	PUNCT
cblr-14250	1149	75	”193	”193	PUNCT
cblr-14250	1150	1	within	within	ADP
cblr-14250	1150	2	the	the	DET
cblr-14250	1150	3	supervisory	supervisory	ADJ
cblr-14250	1150	4	agencies	agency	NOUN
cblr-14250	1150	5	,	,	PUNCT
cblr-14250	1150	6	consumer	consumer	NOUN
cblr-14250	1150	7	protection	protection	NOUN
cblr-14250	1150	8	took	take	VERB
cblr-14250	1150	9	priority	priority	NOUN
cblr-14250	1150	10	because	because	SCONJ
cblr-14250	1150	11	consumer	consumer	NOUN
cblr-14250	1150	12	enforcement	enforcement	NOUN
cblr-14250	1150	13	penalties	penalty	NOUN
cblr-14250	1150	14	posed	pose	VERB
cblr-14250	1150	15	a	a	DET
cblr-14250	1150	16	much	much	ADV
cblr-14250	1150	17	more	more	ADV
cblr-14250	1150	18	significant	significant	ADJ
cblr-14250	1150	19	risk	risk	NOUN
cblr-14250	1150	20	to	to	ADP
cblr-14250	1150	21	banks	bank	NOUN
cblr-14250	1150	22	than	than	ADP
cblr-14250	1150	23	the	the	DET
cblr-14250	1150	24	weak	weak	ADJ
cblr-14250	1150	25	enforcement	enforcement	NOUN
cblr-14250	1150	26	provisions	provision	NOUN
cblr-14250	1150	27	of	of	ADP
cblr-14250	1150	28	1968	1968	NUM
cblr-14250	1150	29	fair	fair	ADJ
cblr-14250	1150	30	housing	housing	NOUN
cblr-14250	1150	31	act.194	act.194	NOUN
cblr-14250	1150	32	as	as	SCONJ
cblr-14250	1150	33	they	they	PRON
cblr-14250	1150	34	carved	carve	VERB
cblr-14250	1150	35	out	out	ADP
cblr-14250	1150	36	separate	separate	ADJ
cblr-14250	1150	37	consumer	consumer	NOUN
cblr-14250	1150	38	compliance	compliance	NOUN
cblr-14250	1150	39	departments	department	NOUN
cblr-14250	1150	40	,	,	PUNCT
cblr-14250	1150	41	the	the	DET
cblr-14250	1150	42	federal	federal	ADJ
cblr-14250	1150	43	banking	banking	NOUN
cblr-14250	1150	44	agencies	agency	NOUN
cblr-14250	1150	45	rolled	roll	VERB
cblr-14250	1150	46	civil	civil	ADJ
cblr-14250	1150	47	rights	right	NOUN
cblr-14250	1150	48	oversight	oversight	NOUN
cblr-14250	1150	49	into	into	ADP
cblr-14250	1150	50	the	the	DET
cblr-14250	1150	51	consumer	consumer	NOUN
cblr-14250	1150	52	protection	protection	NOUN
cblr-14250	1150	53	remit	remit	NOUN
cblr-14250	1150	54	,	,	PUNCT
cblr-14250	1150	55	effectively	effectively	ADV
cblr-14250	1150	56	subsuming	subsume	VERB
cblr-14250	1150	57	racial	racial	ADJ
cblr-14250	1150	58	equity	equity	NOUN
cblr-14250	1150	59	under	under	ADP
cblr-14250	1150	60	the	the	DET
cblr-14250	1150	61	goals	goal	NOUN
cblr-14250	1150	62	of	of	ADP
cblr-14250	1150	63	consumer	consumer	NOUN
cblr-14250	1150	64	protection	protection	NOUN
cblr-14250	1150	65	.	.	PUNCT
cblr-14250	1151	1	the	the	DET
cblr-14250	1151	2	supervisory	supervisory	ADJ
cblr-14250	1151	3	approach	approach	NOUN
cblr-14250	1151	4	to	to	ADP
cblr-14250	1151	5	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1151	6	changed	change	VERB
cblr-14250	1151	7	in	in	ADP
cblr-14250	1151	8	the	the	DET
cblr-14250	1151	9	mid-1970s	mid-1970	NOUN
cblr-14250	1151	10	,	,	PUNCT
cblr-14250	1151	11	in	in	ADP
cblr-14250	1151	12	part	part	NOUN
cblr-14250	1151	13	because	because	SCONJ
cblr-14250	1151	14	of	of	ADP
cblr-14250	1151	15	congress	congress	PROPN
cblr-14250	1151	16	’s	’s	PART
cblr-14250	1151	17	increasing	increase	VERB
cblr-14250	1151	18	191	191	NUM
cblr-14250	1151	19	bias	bias	NOUN
cblr-14250	1151	20	on	on	ADP
cblr-14250	1151	21	mortgages	mortgage	NOUN
cblr-14250	1151	22	claimed	claim	VERB
cblr-14250	1151	23	at	at	ADP
cblr-14250	1151	24	hearing	hearing	NOUN
cblr-14250	1151	25	,	,	PUNCT
cblr-14250	1151	26	wash	wash	NOUN
cblr-14250	1151	27	.	.	PUNCT
cblr-14250	1152	1	post	post	NOUN
cblr-14250	1152	2	,	,	PUNCT
cblr-14250	1152	3	oct	oct	PROPN
cblr-14250	1152	4	.	.	PROPN
cblr-14250	1152	5	7	7	NUM
cblr-14250	1152	6	,	,	PUNCT
cblr-14250	1152	7	1971	1971	NUM
cblr-14250	1152	8	.	.	PUNCT
cblr-14250	1153	1	192	192	NUM
cblr-14250	1153	2	federal	federal	ADJ
cblr-14250	1153	3	government	government	NOUN
cblr-14250	1153	4	’s	’s	PART
cblr-14250	1153	5	role	role	NOUN
cblr-14250	1153	6	in	in	ADP
cblr-14250	1153	7	the	the	DET
cblr-14250	1153	8	achievement	achievement	NOUN
cblr-14250	1153	9	of	of	ADP
cblr-14250	1153	10	equal	equal	ADJ
cblr-14250	1153	11	opportunity	opportunity	NOUN
cblr-14250	1153	12	in	in	ADP
cblr-14250	1153	13	housing	housing	NOUN
cblr-14250	1153	14	:	:	PUNCT
cblr-14250	1153	15	hearings	hearing	NOUN
cblr-14250	1153	16	before	before	ADP
cblr-14250	1153	17	the	the	DET
cblr-14250	1153	18	c.r	c.r	PROPN
cblr-14250	1153	19	.	.	PROPN
cblr-14250	1153	20	oversight	oversight	NOUN
cblr-14250	1153	21	subcomm	subcomm	NOUN
cblr-14250	1153	22	.	.	PUNCT
cblr-14250	1154	1	of	of	ADP
cblr-14250	1154	2	the	the	DET
cblr-14250	1154	3	h.	h.	PROPN
cblr-14250	1154	4	comm	comm	NOUN
cblr-14250	1154	5	.	.	PUNCT
cblr-14250	1155	1	on	on	ADP
cblr-14250	1155	2	the	the	DET
cblr-14250	1155	3	judiciary	judiciary	NOUN
cblr-14250	1155	4	,	,	PUNCT
cblr-14250	1155	5	92nd	92nd	NOUN
cblr-14250	1155	6	cong	cong	NOUN
cblr-14250	1155	7	.	.	PUNCT
cblr-14250	1156	1	852	852	NUM
cblr-14250	1156	2	(	(	PUNCT
cblr-14250	1156	3	1971	1971	NUM
cblr-14250	1156	4	)	)	PUNCT
cblr-14250	1156	5	(	(	PUNCT
cblr-14250	1156	6	statement	statement	NOUN
cblr-14250	1156	7	of	of	ADP
cblr-14250	1156	8	william	william	PROPN
cblr-14250	1156	9	b.	b.	PROPN
cblr-14250	1156	10	camp	camp	PROPN
cblr-14250	1156	11	,	,	PUNCT
cblr-14250	1156	12	comptroller	comptroller	NOUN
cblr-14250	1156	13	of	of	ADP
cblr-14250	1156	14	the	the	DET
cblr-14250	1156	15	currency	currency	NOUN
cblr-14250	1156	16	)	)	PUNCT
cblr-14250	1156	17	.	.	PUNCT
cblr-14250	1157	1	193	193	NUM
cblr-14250	1158	1	i	i	PRON
cblr-14250	1158	2	d.	d.	PROPN
cblr-14250	1158	3	at	at	ADP
cblr-14250	1158	4	841–42	841–42	PROPN
cblr-14250	1158	5	(	(	PUNCT
cblr-14250	1158	6	statement	statement	NOUN
cblr-14250	1158	7	of	of	ADP
cblr-14250	1158	8	robert	robert	PROPN
cblr-14250	1158	9	c.	c.	PROPN
cblr-14250	1158	10	holland	holland	PROPN
cblr-14250	1158	11	,	,	PUNCT
cblr-14250	1158	12	sec’y	sec’y	NUM
cblr-14250	1158	13	of	of	ADP
cblr-14250	1158	14	the	the	DET
cblr-14250	1158	15	fed	fed	PROPN
cblr-14250	1158	16	.	.	PUNCT
cblr-14250	1159	1	open	open	ADJ
cblr-14250	1159	2	market	market	NOUN
cblr-14250	1159	3	comm	comm	NOUN
cblr-14250	1159	4	.	.	PUNCT
cblr-14250	1159	5	)	)	PUNCT
cblr-14250	1159	6	.	.	PUNCT
cblr-14250	1160	1	194	194	NUM
cblr-14250	1160	2	oversight	oversight	NOUN
cblr-14250	1160	3	on	on	ADP
cblr-14250	1160	4	consumer	consumer	NOUN
cblr-14250	1160	5	protection	protection	NOUN
cblr-14250	1160	6	activities	activity	NOUN
cblr-14250	1160	7	of	of	ADP
cblr-14250	1160	8	federal	federal	ADJ
cblr-14250	1160	9	banking	banking	NOUN
cblr-14250	1160	10	agencies	agency	NOUN
cblr-14250	1160	11	:	:	PUNCT
cblr-14250	1160	12	hearings	hearing	NOUN
cblr-14250	1160	13	before	before	ADP
cblr-14250	1160	14	the	the	DET
cblr-14250	1160	15	s.	s.	PROPN
cblr-14250	1160	16	comm	comm	NOUN
cblr-14250	1160	17	.	.	PUNCT
cblr-14250	1161	1	on	on	ADP
cblr-14250	1161	2	banking	banking	NOUN
cblr-14250	1161	3	,	,	PUNCT
cblr-14250	1161	4	hous	hous	ADJ
cblr-14250	1161	5	.	.	PUNCT
cblr-14250	1161	6	,	,	PUNCT
cblr-14250	1161	7	and	and	CCONJ
cblr-14250	1161	8	urb	urb	INTJ
cblr-14250	1161	9	.	.	PUNCT
cblr-14250	1161	10	affairs	affair	NOUN
cblr-14250	1161	11	,	,	PUNCT
cblr-14250	1161	12	94th	94th	ADJ
cblr-14250	1161	13	cong	cong	NOUN
cblr-14250	1161	14	.	.	PUNCT
cblr-14250	1162	1	241–45	241–45	NUM
cblr-14250	1162	2	(	(	PUNCT
cblr-14250	1162	3	1976	1976	NUM
cblr-14250	1162	4	)	)	PUNCT
cblr-14250	1162	5	(	(	PUNCT
cblr-14250	1162	6	statement	statement	NOUN
cblr-14250	1162	7	of	of	ADP
cblr-14250	1162	8	arthur	arthur	PROPN
cblr-14250	1162	9	f.	f.	PROPN
cblr-14250	1162	10	burnes	burnes	PROPN
cblr-14250	1162	11	,	,	PUNCT
cblr-14250	1162	12	chairman	chairman	NOUN
cblr-14250	1162	13	of	of	ADP
cblr-14250	1162	14	the	the	DET
cblr-14250	1162	15	fed	fed	PROPN
cblr-14250	1162	16	.	.	PUNCT
cblr-14250	1162	17	rsrv	rsrv	PROPN
cblr-14250	1162	18	.	.	PUNCT
cblr-14250	1163	1	sys	sys	PROPN
cblr-14250	1163	2	.	.	PUNCT
cblr-14250	1163	3	)	)	PUNCT
cblr-14250	1163	4	.	.	PUNCT
cblr-14250	1164	1	no	no	INTJ
cblr-14250	1164	2	.	.	NOUN
cblr-14250	1164	3	1	1	NUM
cblr-14250	1164	4	]	]	PUNCT
cblr-14250	1164	5	risk	risk	NOUN
cblr-14250	1164	6	,	,	PUNCT
cblr-14250	1164	7	discretion	discretion	NOUN
cblr-14250	1164	8	,	,	PUNCT
cblr-14250	1164	9	and	and	CCONJ
cblr-14250	1164	10	bank	bank	NOUN
cblr-14250	1164	11	supervision	supervision	NOUN
cblr-14250	1164	12	213	213	NUM
cblr-14250	1164	13	dissatisfaction	dissatisfaction	NOUN
cblr-14250	1164	14	with	with	ADP
cblr-14250	1164	15	the	the	DET
cblr-14250	1164	16	record	record	NOUN
cblr-14250	1164	17	of	of	ADP
cblr-14250	1164	18	the	the	DET
cblr-14250	1164	19	supervisory	supervisory	ADJ
cblr-14250	1164	20	agencies	agency	NOUN
cblr-14250	1164	21	and	and	CCONJ
cblr-14250	1164	22	in	in	ADP
cblr-14250	1164	23	part	part	NOUN
cblr-14250	1164	24	because	because	SCONJ
cblr-14250	1164	25	anti	anti	ADJ
cblr-14250	1164	26	-	-	ADJ
cblr-14250	1164	27	discrimination	discrimination	NOUN
cblr-14250	1164	28	transformed	transform	VERB
cblr-14250	1164	29	into	into	ADP
cblr-14250	1164	30	a	a	DET
cblr-14250	1164	31	consumer	consumer	NOUN
cblr-14250	1164	32	protection	protection	NOUN
cblr-14250	1164	33	issue	issue	NOUN
cblr-14250	1164	34	.	.	PUNCT
cblr-14250	1165	1	this	this	DET
cblr-14250	1165	2	pattern	pattern	NOUN
cblr-14250	1165	3	continued	continue	VERB
cblr-14250	1165	4	following	follow	VERB
cblr-14250	1165	5	the	the	DET
cblr-14250	1165	6	enactment	enactment	NOUN
cblr-14250	1165	7	of	of	ADP
cblr-14250	1165	8	the	the	DET
cblr-14250	1165	9	equal	equal	ADJ
cblr-14250	1165	10	credit	credit	NOUN
cblr-14250	1165	11	opportunity	opportunity	NOUN
cblr-14250	1165	12	act	act	NOUN
cblr-14250	1165	13	of	of	ADP
cblr-14250	1165	14	1974	1974	NUM
cblr-14250	1165	15	(	(	PUNCT
cblr-14250	1165	16	as	as	SCONJ
cblr-14250	1165	17	expanded	expand	VERB
cblr-14250	1165	18	in	in	ADP
cblr-14250	1165	19	1976	1976	NUM
cblr-14250	1165	20	)	)	PUNCT
cblr-14250	1165	21	(	(	PUNCT
cblr-14250	1165	22	ecoa	ecoa	NOUN
cblr-14250	1165	23	)	)	PUNCT
cblr-14250	1165	24	.	.	PUNCT
cblr-14250	1166	1	ecoa	ecoa	PROPN
cblr-14250	1166	2	—	—	PUNCT
cblr-14250	1166	3	originally	originally	ADV
cblr-14250	1166	4	passed	pass	VERB
cblr-14250	1166	5	to	to	PART
cblr-14250	1166	6	prevent	prevent	VERB
cblr-14250	1166	7	discrimination	discrimination	NOUN
cblr-14250	1166	8	“	"	PUNCT
cblr-14250	1166	9	on	on	ADP
cblr-14250	1166	10	the	the	DET
cblr-14250	1166	11	basis	basis	NOUN
cblr-14250	1166	12	of	of	ADP
cblr-14250	1166	13	sex	sex	NOUN
cblr-14250	1166	14	or	or	CCONJ
cblr-14250	1166	15	marital	marital	ADJ
cblr-14250	1166	16	status	status	NOUN
cblr-14250	1166	17	”	"	PUNCT
cblr-14250	1166	18	in	in	ADP
cblr-14250	1166	19	“	"	PUNCT
cblr-14250	1166	20	any	any	DET
cblr-14250	1166	21	aspect	aspect	NOUN
cblr-14250	1166	22	of	of	ADP
cblr-14250	1166	23	a	a	DET
cblr-14250	1166	24	credit	credit	NOUN
cblr-14250	1166	25	transaction	transaction	NOUN
cblr-14250	1166	26	,	,	PUNCT
cblr-14250	1166	27	”	"	PUNCT
cblr-14250	1166	28	but	but	CCONJ
cblr-14250	1166	29	eventually	eventually	ADV
cblr-14250	1166	30	to	to	PART
cblr-14250	1166	31	prohibit	prohibit	VERB
cblr-14250	1166	32	discrimination	discrimination	NOUN
cblr-14250	1166	33	on	on	ADP
cblr-14250	1166	34	a	a	DET
cblr-14250	1166	35	host	host	NOUN
cblr-14250	1166	36	of	of	ADP
cblr-14250	1166	37	other	other	ADJ
cblr-14250	1166	38	protected	protect	VERB
cblr-14250	1166	39	categories	category	NOUN
cblr-14250	1166	40	,	,	PUNCT
cblr-14250	1166	41	including	include	VERB
cblr-14250	1166	42	race	race	NOUN
cblr-14250	1166	43	—	—	PUNCT
cblr-14250	1166	44	gave	give	VERB
cblr-14250	1166	45	the	the	DET
cblr-14250	1166	46	doj	doj	PROPN
cblr-14250	1166	47	and	and	CCONJ
cblr-14250	1166	48	hud	hud	PROPN
cblr-14250	1166	49	the	the	DET
cblr-14250	1166	50	primary	primary	ADJ
cblr-14250	1166	51	control	control	NOUN
cblr-14250	1166	52	over	over	ADP
cblr-14250	1166	53	its	its	PRON
cblr-14250	1166	54	implementation.195	implementation.195	NOUN
cblr-14250	1166	55	still	still	ADV
cblr-14250	1166	56	,	,	PUNCT
cblr-14250	1166	57	bank	bank	NOUN
cblr-14250	1166	58	supervisors	supervisor	NOUN
cblr-14250	1166	59	remained	remain	VERB
cblr-14250	1166	60	the	the	DET
cblr-14250	1166	61	frontline	frontline	NOUN
cblr-14250	1166	62	of	of	ADP
cblr-14250	1166	63	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1166	64	compliance	compliance	NOUN
cblr-14250	1166	65	.	.	PUNCT
cblr-14250	1167	1	as	as	ADP
cblr-14250	1167	2	with	with	ADP
cblr-14250	1167	3	the	the	DET
cblr-14250	1167	4	hud	hud	PROPN
cblr-14250	1167	5	act	act	PROPN
cblr-14250	1167	6	,	,	PUNCT
cblr-14250	1167	7	supervisors	supervisor	NOUN
cblr-14250	1167	8	outsourced	outsource	VERB
cblr-14250	1167	9	oversight	oversight	NOUN
cblr-14250	1167	10	to	to	ADP
cblr-14250	1167	11	the	the	DET
cblr-14250	1167	12	public	public	NOUN
cblr-14250	1167	13	,	,	PUNCT
cblr-14250	1167	14	relying	rely	VERB
cblr-14250	1167	15	on	on	ADP
cblr-14250	1167	16	complaints	complaint	NOUN
cblr-14250	1167	17	of	of	ADP
cblr-14250	1167	18	discrimination	discrimination	NOUN
cblr-14250	1167	19	to	to	PART
cblr-14250	1167	20	launch	launch	VERB
cblr-14250	1167	21	an	an	DET
cblr-14250	1167	22	investigation	investigation	NOUN
cblr-14250	1167	23	.	.	PUNCT
cblr-14250	1168	1	further	far	ADV
cblr-14250	1168	2	,	,	PUNCT
cblr-14250	1168	3	supervisors	supervisor	NOUN
cblr-14250	1168	4	incorporated	incorporate	VERB
cblr-14250	1168	5	their	their	PRON
cblr-14250	1168	6	civil	civil	ADJ
cblr-14250	1168	7	rights	right	NOUN
cblr-14250	1168	8	compliance	compliance	NOUN
cblr-14250	1168	9	programs	program	NOUN
cblr-14250	1168	10	into	into	ADP
cblr-14250	1168	11	their	their	PRON
cblr-14250	1168	12	emerging	emerge	VERB
cblr-14250	1168	13	consumer	consumer	NOUN
cblr-14250	1168	14	compliance	compliance	NOUN
cblr-14250	1168	15	teams	team	NOUN
cblr-14250	1168	16	.	.	PUNCT
cblr-14250	1169	1	the	the	DET
cblr-14250	1169	2	fdic	fdic	PROPN
cblr-14250	1169	3	created	create	VERB
cblr-14250	1169	4	the	the	DET
cblr-14250	1169	5	office	office	NOUN
cblr-14250	1169	6	of	of	ADP
cblr-14250	1169	7	consumer	consumer	NOUN
cblr-14250	1169	8	affairs	affair	NOUN
cblr-14250	1169	9	and	and	CCONJ
cblr-14250	1169	10	civil	civil	ADJ
cblr-14250	1169	11	rights	right	NOUN
cblr-14250	1169	12	(	(	PUNCT
cblr-14250	1169	13	the	the	DET
cblr-14250	1169	14	ocacr).196	ocacr).196	ADJ
cblr-14250	1169	15	violation	violation	NOUN
cblr-14250	1169	16	of	of	ADP
cblr-14250	1169	17	ecoa	ecoa	NOUN
cblr-14250	1169	18	meant	mean	VERB
cblr-14250	1169	19	prosecution	prosecution	NOUN
cblr-14250	1169	20	,	,	PUNCT
cblr-14250	1169	21	although	although	SCONJ
cblr-14250	1169	22	often	often	ADV
cblr-14250	1169	23	the	the	DET
cblr-14250	1169	24	bank	bank	NOUN
cblr-14250	1169	25	supervisors	supervisor	NOUN
cblr-14250	1169	26	are	be	AUX
cblr-14250	1169	27	the	the	DET
cblr-14250	1169	28	first	first	ADJ
cblr-14250	1169	29	to	to	PART
cblr-14250	1169	30	learn	learn	VERB
cblr-14250	1169	31	that	that	SCONJ
cblr-14250	1169	32	there	there	PRON
cblr-14250	1169	33	is	be	VERB
cblr-14250	1169	34	a	a	DET
cblr-14250	1169	35	problem	problem	NOUN
cblr-14250	1169	36	afoot	afoot	NOUN
cblr-14250	1169	37	.	.	PUNCT
cblr-14250	1170	1	in	in	ADP
cblr-14250	1170	2	1996	1996	NUM
cblr-14250	1170	3	,	,	PUNCT
cblr-14250	1170	4	the	the	DET
cblr-14250	1170	5	doj	doj	PROPN
cblr-14250	1170	6	issued	issue	VERB
cblr-14250	1170	7	guidance	guidance	NOUN
cblr-14250	1170	8	to	to	ADP
cblr-14250	1170	9	the	the	DET
cblr-14250	1170	10	banking	banking	NOUN
cblr-14250	1170	11	regulators	regulator	NOUN
cblr-14250	1170	12	to	to	PART
cblr-14250	1170	13	outline	outline	VERB
cblr-14250	1170	14	when	when	SCONJ
cblr-14250	1170	15	referral	referral	NOUN
cblr-14250	1170	16	for	for	ADP
cblr-14250	1170	17	prosecution	prosecution	NOUN
cblr-14250	1170	18	is	be	AUX
cblr-14250	1170	19	appropriate.197	appropriate.197	NUM
cblr-14250	1170	20	most	most	ADJ
cblr-14250	1170	21	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1170	22	statutes	statute	NOUN
cblr-14250	1170	23	in	in	ADP
cblr-14250	1170	24	bank	bank	PROPN
cblr-14250	1170	25	supervision	supervision	NOUN
cblr-14250	1170	26	,	,	PUNCT
cblr-14250	1170	27	then	then	ADV
cblr-14250	1170	28	,	,	PUNCT
cblr-14250	1170	29	take	take	VERB
cblr-14250	1170	30	on	on	ADP
cblr-14250	1170	31	a	a	DET
cblr-14250	1170	32	very	very	ADV
cblr-14250	1170	33	highly	highly	ADV
cblr-14250	1170	34	discretionary	discretionary	ADJ
cblr-14250	1170	35	flavor	flavor	NOUN
cblr-14250	1170	36	,	,	PUNCT
cblr-14250	1170	37	since	since	SCONJ
cblr-14250	1170	38	the	the	DET
cblr-14250	1170	39	question	question	NOUN
cblr-14250	1170	40	is	be	AUX
cblr-14250	1170	41	triggered	trigger	VERB
cblr-14250	1170	42	by	by	ADP
cblr-14250	1170	43	discretion	discretion	NOUN
cblr-14250	1170	44	at	at	ADP
cblr-14250	1170	45	two	two	NUM
cblr-14250	1170	46	levels	level	NOUN
cblr-14250	1170	47	:	:	PUNCT
cblr-14250	1170	48	whether	whether	SCONJ
cblr-14250	1170	49	to	to	PART
cblr-14250	1170	50	investigate	investigate	VERB
cblr-14250	1170	51	the	the	DET
cblr-14250	1170	52	presence	presence	NOUN
cblr-14250	1170	53	of	of	ADP
cblr-14250	1170	54	discrimination	discrimination	NOUN
cblr-14250	1170	55	on	on	ADP
cblr-14250	1170	56	the	the	DET
cblr-14250	1170	57	basis	basis	NOUN
cblr-14250	1170	58	of	of	ADP
cblr-14250	1170	59	protected	protect	VERB
cblr-14250	1170	60	categories	category	NOUN
cblr-14250	1170	61	and	and	CCONJ
cblr-14250	1170	62	whether	whether	SCONJ
cblr-14250	1170	63	,	,	PUNCT
cblr-14250	1170	64	after	after	ADP
cblr-14250	1170	65	investigation	investigation	NOUN
cblr-14250	1170	66	,	,	PUNCT
cblr-14250	1170	67	to	to	PART
cblr-14250	1170	68	refer	refer	VERB
cblr-14250	1170	69	alleged	alleged	ADJ
cblr-14250	1170	70	violations	violation	NOUN
cblr-14250	1170	71	for	for	ADP
cblr-14250	1170	72	prosecution	prosecution	NOUN
cblr-14250	1170	73	.	.	PUNCT
cblr-14250	1171	1	according	accord	VERB
cblr-14250	1171	2	to	to	ADP
cblr-14250	1171	3	the	the	DET
cblr-14250	1171	4	federal	federal	ADJ
cblr-14250	1171	5	195	195	NUM
cblr-14250	1171	6	15	15	NUM
cblr-14250	1171	7	u.s.c	u.s.c	NOUN
cblr-14250	1171	8	.	.	PUNCT
cblr-14250	1172	1	§	§	PROPN
cblr-14250	1172	2	1691(a	1691(a	PROPN
cblr-14250	1172	3	)	)	PUNCT
cblr-14250	1172	4	.	.	PUNCT
cblr-14250	1173	1	196	196	NUM
cblr-14250	1173	2	banking	banking	NOUN
cblr-14250	1173	3	regulatory	regulatory	ADJ
cblr-14250	1173	4	agencies	agency	NOUN
cblr-14250	1173	5	’	'	PUNCT
cblr-14250	1173	6	enforcement	enforcement	NOUN
cblr-14250	1173	7	of	of	ADP
cblr-14250	1173	8	the	the	DET
cblr-14250	1173	9	equal	equal	ADJ
cblr-14250	1173	10	credit	credit	NOUN
cblr-14250	1173	11	opportunity	opportunity	NOUN
cblr-14250	1173	12	act	act	NOUN
cblr-14250	1173	13	and	and	CCONJ
cblr-14250	1173	14	the	the	DET
cblr-14250	1173	15	fair	fair	ADJ
cblr-14250	1173	16	housing	housing	PROPN
cblr-14250	1173	17	act	act	PROPN
cblr-14250	1173	18	:	:	PUNCT
cblr-14250	1173	19	hearings	hearing	NOUN
cblr-14250	1173	20	before	before	ADP
cblr-14250	1173	21	a	a	DET
cblr-14250	1173	22	subcomm	subcomm	NOUN
cblr-14250	1173	23	.	.	PUNCT
cblr-14250	1174	1	of	of	ADP
cblr-14250	1174	2	the	the	DET
cblr-14250	1174	3	h.	h.	PROPN
cblr-14250	1174	4	comm	comm	NOUN
cblr-14250	1174	5	.	.	PUNCT
cblr-14250	1175	1	on	on	ADP
cblr-14250	1175	2	gov’t	gov’t	NUM
cblr-14250	1175	3	operations	operation	NOUN
cblr-14250	1175	4	,	,	PUNCT
cblr-14250	1175	5	95th	95th	ADJ
cblr-14250	1175	6	cong	cong	NOUN
cblr-14250	1175	7	.	.	PUNCT
cblr-14250	1176	1	1014	1014	NUM
cblr-14250	1176	2	(	(	PUNCT
cblr-14250	1176	3	1978	1978	NUM
cblr-14250	1176	4	)	)	PUNCT
cblr-14250	1176	5	(	(	PUNCT
cblr-14250	1176	6	statement	statement	NOUN
cblr-14250	1176	7	of	of	ADP
cblr-14250	1176	8	carmen	carmen	PROPN
cblr-14250	1176	9	j.	j.	PROPN
cblr-14250	1176	10	sullivan	sullivan	PROPN
cblr-14250	1176	11	,	,	PUNCT
cblr-14250	1176	12	acting	act	VERB
cblr-14250	1176	13	dir	dir	NOUN
cblr-14250	1176	14	.	.	PUNCT
cblr-14250	1177	1	of	of	ADP
cblr-14250	1177	2	off	off	ADP
cblr-14250	1177	3	.	.	PUNCT
cblr-14250	1178	1	of	of	ADP
cblr-14250	1178	2	consumer	consumer	NOUN
cblr-14250	1178	3	affs	aff	NOUN
cblr-14250	1178	4	.	.	PUNCT
cblr-14250	1179	1	and	and	CCONJ
cblr-14250	1179	2	c.r	c.r	PROPN
cblr-14250	1179	3	.	.	PROPN
cblr-14250	1179	4	)	)	PUNCT
cblr-14250	1179	5	.	.	PUNCT
cblr-14250	1180	1	197	197	NUM
cblr-14250	1180	2	memorandum	memorandum	NOUN
cblr-14250	1180	3	from	from	ADP
cblr-14250	1180	4	the	the	DET
cblr-14250	1180	5	dep’t	dep’t	NOUN
cblr-14250	1180	6	of	of	ADP
cblr-14250	1180	7	just	just	ADV
cblr-14250	1180	8	.	.	PUNCT
cblr-14250	1181	1	on	on	ADP
cblr-14250	1181	2	identifying	identify	VERB
cblr-14250	1181	3	lender	lender	NOUN
cblr-14250	1181	4	practices	practice	NOUN
cblr-14250	1181	5	that	that	PRON
cblr-14250	1181	6	may	may	AUX
cblr-14250	1181	7	form	form	VERB
cblr-14250	1181	8	the	the	DET
cblr-14250	1181	9	basis	basis	NOUN
cblr-14250	1181	10	of	of	ADP
cblr-14250	1181	11	a	a	DET
cblr-14250	1181	12	pattern	pattern	NOUN
cblr-14250	1181	13	or	or	CCONJ
cblr-14250	1181	14	practice	practice	NOUN
cblr-14250	1181	15	referred	refer	VERB
cblr-14250	1181	16	to	to	ADP
cblr-14250	1181	17	the	the	DET
cblr-14250	1181	18	dep’t	dep’t	NOUN
cblr-14250	1181	19	of	of	ADP
cblr-14250	1181	20	just	just	ADV
cblr-14250	1181	21	.	.	PUNCT
cblr-14250	1182	1	(	(	PUNCT
cblr-14250	1182	2	1996	1996	NUM
cblr-14250	1182	3	)	)	PUNCT
cblr-14250	1182	4	,	,	PUNCT
cblr-14250	1183	1	https://www.justice.gov/sites/default/files/crt/legacy/2014/03/05/regguide.pd	https://www.justice.gov/sites/default/files/crt/legacy/2014/03/05/regguide.pd	NOUN
cblr-14250	1183	2	f	f	X
cblr-14250	1184	1	[	[	X
cblr-14250	1184	2	https://perma.cc/4u56-rw36	https://perma.cc/4u56-rw36	PROPN
cblr-14250	1184	3	]	]	PUNCT
cblr-14250	1184	4	.	.	PUNCT
cblr-14250	1185	1	214	214	NUM
cblr-14250	1185	2	columbia	columbia	PROPN
cblr-14250	1185	3	business	business	NOUN
cblr-14250	1185	4	law	law	PROPN
cblr-14250	1185	5	review	review	NOUN
cblr-14250	1185	6	[	[	X
cblr-14250	1185	7	vol	vol	NOUN
cblr-14250	1185	8	.	.	PUNCT
cblr-14250	1185	9	2025	2025	NUM
cblr-14250	1185	10	reserve	reserve	PROPN
cblr-14250	1185	11	’s	’s	PART
cblr-14250	1185	12	1977	1977	NUM
cblr-14250	1185	13	equal	equal	ADJ
cblr-14250	1185	14	credit	credit	NOUN
cblr-14250	1185	15	opportunity	opportunity	NOUN
cblr-14250	1185	16	act	act	NOUN
cblr-14250	1185	17	report	report	NOUN
cblr-14250	1185	18	to	to	ADP
cblr-14250	1185	19	congress	congress	PROPN
cblr-14250	1185	20	,	,	PUNCT
cblr-14250	1185	21	the	the	DET
cblr-14250	1185	22	comptroller	comptroller	NOUN
cblr-14250	1185	23	found	find	VERB
cblr-14250	1185	24	that	that	SCONJ
cblr-14250	1185	25	“	"	PUNCT
cblr-14250	1185	26	97	97	NUM
cblr-14250	1185	27	percent	percent	NOUN
cblr-14250	1185	28	of	of	ADP
cblr-14250	1185	29	all	all	DET
cblr-14250	1185	30	national	national	ADJ
cblr-14250	1185	31	banks	bank	NOUN
cblr-14250	1185	32	were	be	AUX
cblr-14250	1185	33	in	in	ADP
cblr-14250	1185	34	violation	violation	NOUN
cblr-14250	1185	35	of	of	ADP
cblr-14250	1185	36	the	the	DET
cblr-14250	1185	37	act	act	NOUN
cblr-14250	1185	38	to	to	ADP
cblr-14250	1185	39	some	some	DET
cblr-14250	1185	40	extent	extent	NOUN
cblr-14250	1185	41	.	.	PUNCT
cblr-14250	1186	1	”198	”198	PUNCT
cblr-14250	1187	1	thus	thus	ADV
cblr-14250	1187	2	,	,	PUNCT
cblr-14250	1187	3	even	even	ADV
cblr-14250	1187	4	when	when	SCONJ
cblr-14250	1187	5	federal	federal	ADJ
cblr-14250	1187	6	supervisors	supervisor	NOUN
cblr-14250	1187	7	were	be	AUX
cblr-14250	1187	8	willing	willing	ADJ
cblr-14250	1187	9	to	to	PART
cblr-14250	1187	10	look	look	VERB
cblr-14250	1187	11	for	for	ADP
cblr-14250	1187	12	discrimination	discrimination	NOUN
cblr-14250	1187	13	,	,	PUNCT
cblr-14250	1187	14	their	their	PRON
cblr-14250	1187	15	preference	preference	NOUN
cblr-14250	1187	16	remained	remain	VERB
cblr-14250	1187	17	to	to	PART
cblr-14250	1187	18	seek	seek	VERB
cblr-14250	1187	19	voluntary	voluntary	ADJ
cblr-14250	1187	20	corrective	corrective	ADJ
cblr-14250	1187	21	action	action	NOUN
cblr-14250	1187	22	,	,	PUNCT
cblr-14250	1187	23	rather	rather	ADV
cblr-14250	1187	24	than	than	SCONJ
cblr-14250	1187	25	to	to	PART
cblr-14250	1187	26	pursue	pursue	VERB
cblr-14250	1187	27	forceful	forceful	ADJ
cblr-14250	1187	28	—	—	PUNCT
cblr-14250	1187	29	and	and	CCONJ
cblr-14250	1187	30	potentially	potentially	ADV
cblr-14250	1187	31	politically	politically	ADV
cblr-14250	1187	32	or	or	CCONJ
cblr-14250	1187	33	financially	financially	ADV
cblr-14250	1187	34	risky	risky	ADJ
cblr-14250	1187	35	—	—	PUNCT
cblr-14250	1187	36	remedial	remedial	ADJ
cblr-14250	1187	37	measures	measure	NOUN
cblr-14250	1187	38	.	.	PUNCT
cblr-14250	1188	1	the	the	DET
cblr-14250	1188	2	community	community	NOUN
cblr-14250	1188	3	reinvestment	reinvestment	NOUN
cblr-14250	1188	4	act	act	NOUN
cblr-14250	1188	5	of	of	ADP
cblr-14250	1188	6	1977	1977	NUM
cblr-14250	1188	7	(	(	PUNCT
cblr-14250	1188	8	the	the	DET
cblr-14250	1188	9	cra	cra	PROPN
cblr-14250	1188	10	)	)	PUNCT
cblr-14250	1188	11	is	be	AUX
cblr-14250	1188	12	a	a	DET
cblr-14250	1188	13	different	different	ADJ
cblr-14250	1188	14	animal	animal	NOUN
cblr-14250	1188	15	altogether	altogether	ADV
cblr-14250	1188	16	.	.	PUNCT
cblr-14250	1189	1	william	william	PROPN
cblr-14250	1189	2	proxmire	proxmire	PROPN
cblr-14250	1189	3	,	,	PUNCT
cblr-14250	1189	4	paul	paul	PROPN
cblr-14250	1189	5	douglas	douglas	PROPN
cblr-14250	1189	6	’s	’s	PART
cblr-14250	1189	7	intellectual	intellectual	ADJ
cblr-14250	1189	8	successor	successor	NOUN
cblr-14250	1189	9	in	in	ADP
cblr-14250	1189	10	the	the	DET
cblr-14250	1189	11	senate	senate	PROPN
cblr-14250	1189	12	on	on	ADP
cblr-14250	1189	13	banking	banking	NOUN
cblr-14250	1189	14	disclosure	disclosure	NOUN
cblr-14250	1189	15	and	and	CCONJ
cblr-14250	1189	16	consumer	consumer	NOUN
cblr-14250	1189	17	protection	protection	NOUN
cblr-14250	1189	18	,	,	PUNCT
cblr-14250	1189	19	sponsored	sponsor	VERB
cblr-14250	1189	20	the	the	DET
cblr-14250	1189	21	bill	bill	NOUN
cblr-14250	1189	22	to	to	PART
cblr-14250	1189	23	address	address	VERB
cblr-14250	1189	24	redlining	redline	VERB
cblr-14250	1189	25	,	,	PUNCT
cblr-14250	1189	26	the	the	DET
cblr-14250	1189	27	historical	historical	ADJ
cblr-14250	1189	28	discriminatory	discriminatory	ADJ
cblr-14250	1189	29	practice	practice	NOUN
cblr-14250	1189	30	of	of	ADP
cblr-14250	1189	31	“	"	PUNCT
cblr-14250	1189	32	deliberately	deliberately	ADV
cblr-14250	1189	33	avoiding	avoid	VERB
cblr-14250	1189	34	making	make	VERB
cblr-14250	1189	35	loans	loan	NOUN
cblr-14250	1189	36	in	in	ADP
cblr-14250	1189	37	black	black	ADJ
cblr-14250	1189	38	communities[.]”199	communities[.]”199	NOUN
cblr-14250	1189	39	the	the	DET
cblr-14250	1189	40	supervisory	supervisory	ADJ
cblr-14250	1189	41	ethos	ethos	NOUN
cblr-14250	1189	42	of	of	ADP
cblr-14250	1189	43	the	the	DET
cblr-14250	1189	44	cra	cra	PROPN
cblr-14250	1189	45	was	be	AUX
cblr-14250	1189	46	more	more	ADV
cblr-14250	1189	47	similar	similar	ADJ
cblr-14250	1189	48	to	to	ADP
cblr-14250	1189	49	tila	tila	NOUN
cblr-14250	1189	50	(	(	PUNCT
cblr-14250	1189	51	centered	center	VERB
cblr-14250	1189	52	on	on	ADP
cblr-14250	1189	53	disclosure	disclosure	NOUN
cblr-14250	1189	54	)	)	PUNCT
cblr-14250	1189	55	than	than	ADP
cblr-14250	1189	56	ecoa	ecoa	NOUN
cblr-14250	1189	57	(	(	PUNCT
cblr-14250	1189	58	which	which	PRON
cblr-14250	1189	59	relied	rely	VERB
cblr-14250	1189	60	on	on	ADP
cblr-14250	1189	61	enforcement).200	enforcement).200	PROPN
cblr-14250	1189	62	the	the	DET
cblr-14250	1189	63	cra	cra	PROPN
cblr-14250	1189	64	simply	simply	ADV
cblr-14250	1189	65	required	require	VERB
cblr-14250	1189	66	banks	bank	NOUN
cblr-14250	1189	67	to	to	PART
cblr-14250	1189	68	disclose	disclose	VERB
cblr-14250	1189	69	the	the	DET
cblr-14250	1189	70	level	level	NOUN
cblr-14250	1189	71	of	of	ADP
cblr-14250	1189	72	lending	lending	NOUN
cblr-14250	1189	73	in	in	ADP
cblr-14250	1189	74	low	low	ADJ
cblr-14250	1189	75	-	-	PUNCT
cblr-14250	1189	76	income	income	NOUN
cblr-14250	1189	77	communities	community	NOUN
cblr-14250	1189	78	(	(	PUNCT
cblr-14250	1189	79	often	often	ADV
cblr-14250	1189	80	neighborhoods	neighborhood	NOUN
cblr-14250	1189	81	where	where	SCONJ
cblr-14250	1189	82	most	most	ADJ
cblr-14250	1189	83	residents	resident	NOUN
cblr-14250	1189	84	were	be	AUX
cblr-14250	1189	85	racial	racial	ADJ
cblr-14250	1189	86	minorities	minority	NOUN
cblr-14250	1189	87	)	)	PUNCT
cblr-14250	1189	88	that	that	SCONJ
cblr-14250	1189	89	bank	bank	NOUN
cblr-14250	1189	90	supervisors	supervisor	NOUN
cblr-14250	1189	91	would	would	AUX
cblr-14250	1189	92	then	then	ADV
cblr-14250	1189	93	use	use	VERB
cblr-14250	1189	94	to	to	PART
cblr-14250	1189	95	rate	rate	VERB
cblr-14250	1189	96	banks	bank	NOUN
cblr-14250	1189	97	as	as	ADP
cblr-14250	1189	98	“	"	PUNCT
cblr-14250	1189	99	outstanding	outstanding	ADJ
cblr-14250	1189	100	”	"	PUNCT
cblr-14250	1189	101	or	or	CCONJ
cblr-14250	1189	102	in	in	ADP
cblr-14250	1189	103	“	"	PUNCT
cblr-14250	1189	104	substantial	substantial	ADJ
cblr-14250	1189	105	noncompliance	noncompliance	NOUN
cblr-14250	1189	106	”	"	PUNCT
cblr-14250	1189	107	or	or	CCONJ
cblr-14250	1189	108	,	,	PUNCT
cblr-14250	1189	109	more	more	ADV
cblr-14250	1189	110	often	often	ADV
cblr-14250	1189	111	,	,	PUNCT
cblr-14250	1189	112	somewhere	somewhere	ADV
cblr-14250	1189	113	in	in	ADP
cblr-14250	1189	114	between.201	between.201	PROPN
cblr-14250	1189	115	198	198	NUM
cblr-14250	1189	116	banking	banking	NOUN
cblr-14250	1189	117	regulatory	regulatory	ADJ
cblr-14250	1189	118	agencies	agency	NOUN
cblr-14250	1189	119	’	'	PUNCT
cblr-14250	1189	120	enforcement	enforcement	NOUN
cblr-14250	1189	121	hearing	hearing	NOUN
cblr-14250	1189	122	,	,	PUNCT
cblr-14250	1189	123	supra	supra	PROPN
cblr-14250	1189	124	note	note	PROPN
cblr-14250	1189	125	196	196	NUM
cblr-14250	1189	126	,	,	PUNCT
cblr-14250	1189	127	at	at	ADP
cblr-14250	1189	128	472	472	NUM
cblr-14250	1189	129	.	.	PUNCT
cblr-14250	1190	1	199	199	NUM
cblr-14250	1190	2	see	see	VERB
cblr-14250	1190	3	baradaran	baradaran	NOUN
cblr-14250	1190	4	,	,	PUNCT
cblr-14250	1190	5	supra	supra	PROPN
cblr-14250	1190	6	note	note	NOUN
cblr-14250	1190	7	185	185	NUM
cblr-14250	1190	8	,	,	PUNCT
cblr-14250	1190	9	at	at	ADP
cblr-14250	1190	10	935	935	NUM
cblr-14250	1190	11	.	.	PUNCT
cblr-14250	1191	1	200	200	NUM
cblr-14250	1191	2	12	12	NUM
cblr-14250	1191	3	u.s.c	u.s.c	NOUN
cblr-14250	1191	4	.	.	PUNCT
cblr-14250	1192	1	§	§	PROPN
cblr-14250	1192	2	2901(a)(1	2901(a)(1	NUM
cblr-14250	1192	3	)	)	PUNCT
cblr-14250	1192	4	.	.	PUNCT
cblr-14250	1193	1	201	201	NUM
cblr-14250	1193	2	12	12	NUM
cblr-14250	1193	3	u.s.c	u.s.c	NOUN
cblr-14250	1193	4	.	.	PUNCT
cblr-14250	1194	1	§	§	PROPN
cblr-14250	1194	2	§	§	PROPN
cblr-14250	1194	3	2903(a	2903(a	NUM
cblr-14250	1194	4	)	)	PUNCT
cblr-14250	1195	1	;	;	PUNCT
cblr-14250	1195	2	2906(b)(2	2906(b)(2	X
cblr-14250	1195	3	)	)	PUNCT
cblr-14250	1195	4	.	.	PUNCT
cblr-14250	1196	1	there	there	PRON
cblr-14250	1196	2	is	be	VERB
cblr-14250	1196	3	a	a	DET
cblr-14250	1196	4	vibrant	vibrant	ADJ
cblr-14250	1196	5	historical	historical	ADJ
cblr-14250	1196	6	debate	debate	NOUN
cblr-14250	1196	7	about	about	ADP
cblr-14250	1196	8	the	the	DET
cblr-14250	1196	9	origins	origin	NOUN
cblr-14250	1196	10	of	of	ADP
cblr-14250	1196	11	redlining	redline	VERB
cblr-14250	1196	12	.	.	PUNCT
cblr-14250	1197	1	for	for	ADP
cblr-14250	1197	2	a	a	DET
cblr-14250	1197	3	review	review	NOUN
cblr-14250	1197	4	of	of	ADP
cblr-14250	1197	5	sources	source	NOUN
cblr-14250	1197	6	see	see	VERB
cblr-14250	1197	7	peter	peter	PROPN
cblr-14250	1197	8	conti	conti	PROPN
cblr-14250	1197	9	brown	brown	PROPN
cblr-14250	1197	10	&	&	CCONJ
cblr-14250	1197	11	brian	brian	PROPN
cblr-14250	1197	12	feinstein	feinstein	PROPN
cblr-14250	1197	13	,	,	PUNCT
cblr-14250	1197	14	banking	bank	VERB
cblr-14250	1197	15	on	on	ADP
cblr-14250	1197	16	a	a	DET
cblr-14250	1197	17	curve	curve	NOUN
cblr-14250	1197	18	:	:	PUNCT
cblr-14250	1197	19	how	how	SCONJ
cblr-14250	1197	20	to	to	PART
cblr-14250	1197	21	restore	restore	VERB
cblr-14250	1197	22	the	the	DET
cblr-14250	1197	23	community	community	NOUN
cblr-14250	1197	24	reinvestment	reinvestment	NOUN
cblr-14250	1197	25	act	act	NOUN
cblr-14250	1197	26	,	,	PUNCT
cblr-14250	1197	27	13	13	NUM
cblr-14250	1197	28	harv	harv	NOUN
cblr-14250	1197	29	.	.	PUNCT
cblr-14250	1198	1	bus	bus	NOUN
cblr-14250	1198	2	.	.	PUNCT
cblr-14250	1199	1	l.	l.	PROPN
cblr-14250	1199	2	rev	rev	PROPN
cblr-14250	1199	3	.	.	PROPN
cblr-14250	1199	4	335	335	NUM
cblr-14250	1199	5	(	(	PUNCT
cblr-14250	1199	6	2023	2023	NUM
cblr-14250	1199	7	)	)	PUNCT
cblr-14250	1199	8	.	.	PUNCT
cblr-14250	1200	1	briefly	briefly	NOUN
cblr-14250	1200	2	,	,	PUNCT
cblr-14250	1200	3	governmental	governmental	ADJ
cblr-14250	1200	4	maps	map	NOUN
cblr-14250	1200	5	that	that	PRON
cblr-14250	1200	6	literally	literally	ADV
cblr-14250	1200	7	used	use	VERB
cblr-14250	1200	8	red	red	ADJ
cblr-14250	1200	9	lines	line	NOUN
cblr-14250	1200	10	to	to	PART
cblr-14250	1200	11	denote	denote	VERB
cblr-14250	1200	12	poor	poor	ADJ
cblr-14250	1200	13	neighborhoods	neighborhood	NOUN
cblr-14250	1200	14	that	that	PRON
cblr-14250	1200	15	should	should	AUX
cblr-14250	1200	16	not	not	PART
cblr-14250	1200	17	receive	receive	VERB
cblr-14250	1200	18	federal	federal	ADJ
cblr-14250	1200	19	support	support	NOUN
cblr-14250	1200	20	were	be	AUX
cblr-14250	1200	21	an	an	DET
cblr-14250	1200	22	early	early	ADJ
cblr-14250	1200	23	source	source	NOUN
cblr-14250	1200	24	of	of	ADP
cblr-14250	1200	25	the	the	DET
cblr-14250	1200	26	frustration	frustration	NOUN
cblr-14250	1200	27	.	.	PUNCT
cblr-14250	1201	1	see	see	VERB
cblr-14250	1201	2	kenneth	kenneth	PROPN
cblr-14250	1201	3	jackson	jackson	PROPN
cblr-14250	1201	4	,	,	PUNCT
cblr-14250	1201	5	crabgrass	crabgrass	NOUN
cblr-14250	1201	6	frontier	frontier	NOUN
cblr-14250	1201	7	:	:	PUNCT
cblr-14250	1201	8	the	the	DET
cblr-14250	1201	9	suburbanization	suburbanization	NOUN
cblr-14250	1201	10	of	of	ADP
cblr-14250	1201	11	the	the	DET
cblr-14250	1201	12	united	united	PROPN
cblr-14250	1201	13	states	states	PROPN
cblr-14250	1201	14	(	(	PUNCT
cblr-14250	1201	15	1987	1987	NUM
cblr-14250	1201	16	)	)	PUNCT
cblr-14250	1201	17	.	.	PUNCT
cblr-14250	1202	1	hillier	hillier	ADV
cblr-14250	1202	2	argues	argue	VERB
cblr-14250	1202	3	that	that	SCONJ
cblr-14250	1202	4	these	these	DET
cblr-14250	1202	5	governmental	governmental	ADJ
cblr-14250	1202	6	maps	map	NOUN
cblr-14250	1202	7	were	be	AUX
cblr-14250	1202	8	irrelevant	irrelevant	ADJ
cblr-14250	1202	9	for	for	ADP
cblr-14250	1202	10	future	future	ADJ
cblr-14250	1202	11	redlining	redlining	NOUN
cblr-14250	1202	12	,	,	PUNCT
cblr-14250	1202	13	which	which	PRON
cblr-14250	1202	14	came	come	VERB
cblr-14250	1202	15	from	from	ADP
cblr-14250	1202	16	other	other	ADJ
cblr-14250	1202	17	sources	source	NOUN
cblr-14250	1202	18	.	.	PUNCT
cblr-14250	1203	1	see	see	VERB
cblr-14250	1203	2	amy	amy	PROPN
cblr-14250	1203	3	hillier	hillier	ADV
cblr-14250	1203	4	,	,	PUNCT
cblr-14250	1203	5	redlining	redline	VERB
cblr-14250	1203	6	and	and	CCONJ
cblr-14250	1203	7	the	the	DET
cblr-14250	1203	8	home	home	NOUN
cblr-14250	1203	9	owners	owner	NOUN
cblr-14250	1203	10	’	'	PUNCT
cblr-14250	1203	11	loan	loan	NOUN
cblr-14250	1203	12	corporation	corporation	NOUN
cblr-14250	1203	13	,	,	PUNCT
cblr-14250	1203	14	29	29	NUM
cblr-14250	1203	15	j.	j.	PROPN
cblr-14250	1203	16	urb	urb	PROPN
cblr-14250	1203	17	.	.	PUNCT
cblr-14250	1204	1	hist	hist	PROPN
cblr-14250	1204	2	.	.	PUNCT
cblr-14250	1205	1	394	394	NUM
cblr-14250	1205	2	,	,	PUNCT
cblr-14250	1205	3	394	394	NUM
cblr-14250	1205	4	(	(	PUNCT
cblr-14250	1205	5	2003	2003	NUM
cblr-14250	1205	6	)	)	PUNCT
cblr-14250	1205	7	.	.	PUNCT
cblr-14250	1206	1	glock	glock	NOUN
cblr-14250	1206	2	suggests	suggest	VERB
cblr-14250	1206	3	that	that	SCONJ
cblr-14250	1206	4	,	,	PUNCT
cblr-14250	1206	5	despite	despite	SCONJ
cblr-14250	1206	6	the	the	DET
cblr-14250	1206	7	fha	fha	PROPN
cblr-14250	1206	8	’s	’s	PART
cblr-14250	1206	9	earlier	early	ADJ
cblr-14250	1206	10	discriminatory	discriminatory	ADJ
cblr-14250	1206	11	practices	practice	NOUN
cblr-14250	1206	12	,	,	PUNCT
cblr-14250	1206	13	their	their	PRON
cblr-14250	1206	14	own	own	ADJ
cblr-14250	1206	15	lending	lending	NOUN
cblr-14250	1206	16	patterns	pattern	NOUN
cblr-14250	1206	17	lent	lend	VERB
cblr-14250	1206	18	more	more	ADV
cblr-14250	1206	19	aggressively	aggressively	ADV
cblr-14250	1206	20	in	in	ADP
cblr-14250	1206	21	majority	majority	NOUN
cblr-14250	1206	22	-	-	PUNCT
cblr-14250	1206	23	minority	minority	NOUN
cblr-14250	1206	24	neighborhoods	neighborhood	NOUN
cblr-14250	1206	25	.	.	PUNCT
cblr-14250	1207	1	see	see	VERB
cblr-14250	1207	2	judge	judge	NOUN
cblr-14250	1207	3	glock	glock	NOUN
cblr-14250	1207	4	,	,	PUNCT
cblr-14250	1207	5	no	no	INTJ
cblr-14250	1207	6	.	.	NOUN
cblr-14250	1207	7	1	1	NUM
cblr-14250	1207	8	]	]	PUNCT
cblr-14250	1207	9	risk	risk	NOUN
cblr-14250	1207	10	,	,	PUNCT
cblr-14250	1207	11	discretion	discretion	NOUN
cblr-14250	1207	12	,	,	PUNCT
cblr-14250	1207	13	and	and	CCONJ
cblr-14250	1207	14	bank	bank	NOUN
cblr-14250	1207	15	supervision	supervision	NOUN
cblr-14250	1207	16	215	215	NUM
cblr-14250	1207	17	the	the	DET
cblr-14250	1207	18	cra	cra	PROPN
cblr-14250	1207	19	thus	thus	ADV
cblr-14250	1207	20	became	become	VERB
cblr-14250	1207	21	squarely	squarely	ADV
cblr-14250	1207	22	the	the	DET
cblr-14250	1207	23	subject	subject	NOUN
cblr-14250	1207	24	of	of	ADP
cblr-14250	1207	25	supervision	supervision	NOUN
cblr-14250	1207	26	:	:	PUNCT
cblr-14250	1207	27	the	the	DET
cblr-14250	1207	28	cra	cra	PROPN
cblr-14250	1207	29	exam	exam	NOUN
cblr-14250	1207	30	itself	itself	PRON
cblr-14250	1207	31	was	be	AUX
cblr-14250	1207	32	a	a	DET
cblr-14250	1207	33	separate	separate	ADJ
cblr-14250	1207	34	enterprise	enterprise	NOUN
cblr-14250	1207	35	from	from	ADP
cblr-14250	1207	36	other	other	ADJ
cblr-14250	1207	37	exams	exam	NOUN
cblr-14250	1207	38	but	but	CCONJ
cblr-14250	1207	39	was	be	AUX
cblr-14250	1207	40	conducted	conduct	VERB
cblr-14250	1207	41	under	under	ADP
cblr-14250	1207	42	the	the	DET
cblr-14250	1207	43	same	same	ADJ
cblr-14250	1207	44	supervisory	supervisory	ADJ
cblr-14250	1207	45	teams	team	NOUN
cblr-14250	1207	46	for	for	ADP
cblr-14250	1207	47	those	those	DET
cblr-14250	1207	48	primary	primary	ADJ
cblr-14250	1207	49	supervisors	supervisor	NOUN
cblr-14250	1207	50	at	at	ADP
cblr-14250	1207	51	the	the	DET
cblr-14250	1207	52	fed	fed	PROPN
cblr-14250	1207	53	,	,	PUNCT
cblr-14250	1207	54	fdic	fdic	PROPN
cblr-14250	1207	55	,	,	PUNCT
cblr-14250	1207	56	and	and	CCONJ
cblr-14250	1207	57	comptroller	comptroller	NOUN
cblr-14250	1207	58	.	.	PUNCT
cblr-14250	1208	1	the	the	DET
cblr-14250	1208	2	strategic	strategic	ADJ
cblr-14250	1208	3	decision	decision	NOUN
cblr-14250	1208	4	that	that	PRON
cblr-14250	1208	5	congress	congress	PROPN
cblr-14250	1208	6	chose	choose	VERB
cblr-14250	1208	7	for	for	ADP
cblr-14250	1208	8	supervisors	supervisor	NOUN
cblr-14250	1208	9	in	in	ADP
cblr-14250	1208	10	the	the	DET
cblr-14250	1208	11	face	face	NOUN
cblr-14250	1208	12	of	of	ADP
cblr-14250	1208	13	these	these	DET
cblr-14250	1208	14	ratings	rating	NOUN
cblr-14250	1208	15	also	also	ADV
cblr-14250	1208	16	put	put	VERB
cblr-14250	1208	17	into	into	ADP
cblr-14250	1208	18	conversation	conversation	NOUN
cblr-14250	1208	19	various	various	ADJ
cblr-14250	1208	20	other	other	ADJ
cblr-14250	1208	21	strands	strand	NOUN
cblr-14250	1208	22	of	of	ADP
cblr-14250	1208	23	supervisory	supervisory	ADJ
cblr-14250	1208	24	discretion	discretion	NOUN
cblr-14250	1208	25	.	.	PUNCT
cblr-14250	1209	1	supervisors	supervisor	NOUN
cblr-14250	1209	2	were	be	AUX
cblr-14250	1209	3	to	to	PART
cblr-14250	1209	4	use	use	VERB
cblr-14250	1209	5	the	the	DET
cblr-14250	1209	6	results	result	NOUN
cblr-14250	1209	7	of	of	ADP
cblr-14250	1209	8	these	these	DET
cblr-14250	1209	9	exams	exam	NOUN
cblr-14250	1209	10	to	to	PART
cblr-14250	1209	11	either	either	CCONJ
cblr-14250	1209	12	reward	reward	VERB
cblr-14250	1209	13	compliant	compliant	ADJ
cblr-14250	1209	14	banks	bank	NOUN
cblr-14250	1209	15	or	or	CCONJ
cblr-14250	1209	16	punish	punish	VERB
cblr-14250	1209	17	non	non	ADJ
cblr-14250	1209	18	-	-	ADJ
cblr-14250	1209	19	compliant	compliant	ADJ
cblr-14250	1209	20	banks	bank	NOUN
cblr-14250	1209	21	when	when	SCONJ
cblr-14250	1209	22	they	they	PRON
cblr-14250	1209	23	sought	seek	VERB
cblr-14250	1209	24	permission	permission	NOUN
cblr-14250	1209	25	to	to	PART
cblr-14250	1209	26	expand	expand	VERB
cblr-14250	1209	27	their	their	PRON
cblr-14250	1209	28	businesses	business	NOUN
cblr-14250	1209	29	,	,	PUNCT
cblr-14250	1209	30	principally	principally	ADV
cblr-14250	1209	31	through	through	ADP
cblr-14250	1209	32	new	new	ADJ
cblr-14250	1209	33	mergers	merger	NOUN
cblr-14250	1209	34	and	and	CCONJ
cblr-14250	1209	35	applications	application	NOUN
cblr-14250	1209	36	for	for	ADP
cblr-14250	1209	37	new	new	ADJ
cblr-14250	1209	38	business	business	NOUN
cblr-14250	1209	39	lines	line	NOUN
cblr-14250	1209	40	.	.	PUNCT
cblr-14250	1210	1	since	since	SCONJ
cblr-14250	1210	2	part	part	NOUN
cblr-14250	1210	3	of	of	ADP
cblr-14250	1210	4	the	the	DET
cblr-14250	1210	5	cra	cra	PROPN
cblr-14250	1210	6	exam	exam	NOUN
cblr-14250	1210	7	included	include	VERB
cblr-14250	1210	8	inputs	input	NOUN
cblr-14250	1210	9	from	from	ADP
cblr-14250	1210	10	those	those	PRON
cblr-14250	1210	11	in	in	ADP
cblr-14250	1210	12	the	the	DET
cblr-14250	1210	13	community	community	NOUN
cblr-14250	1210	14	where	where	SCONJ
cblr-14250	1210	15	reinvestment	reinvestment	NOUN
cblr-14250	1210	16	was	be	AUX
cblr-14250	1210	17	supposed	suppose	VERB
cblr-14250	1210	18	to	to	PART
cblr-14250	1210	19	take	take	VERB
cblr-14250	1210	20	place	place	NOUN
cblr-14250	1210	21	,	,	PUNCT
cblr-14250	1210	22	banks	bank	NOUN
cblr-14250	1210	23	had	have	VERB
cblr-14250	1210	24	a	a	DET
cblr-14250	1210	25	powerful	powerful	ADJ
cblr-14250	1210	26	incentive	incentive	NOUN
cblr-14250	1210	27	not	not	PART
cblr-14250	1210	28	only	only	ADV
cblr-14250	1210	29	to	to	PART
cblr-14250	1210	30	do	do	AUX
cblr-14250	1210	31	well	well	ADV
cblr-14250	1210	32	on	on	ADP
cblr-14250	1210	33	these	these	DET
cblr-14250	1210	34	exams	exam	NOUN
cblr-14250	1210	35	but	but	CCONJ
cblr-14250	1210	36	also	also	ADV
cblr-14250	1210	37	to	to	PART
cblr-14250	1210	38	recruit	recruit	VERB
cblr-14250	1210	39	community	community	NOUN
cblr-14250	1210	40	groups	group	NOUN
cblr-14250	1210	41	to	to	PART
cblr-14250	1210	42	support	support	VERB
cblr-14250	1210	43	their	their	PRON
cblr-14250	1210	44	bids	bid	NOUN
cblr-14250	1210	45	for	for	ADP
cblr-14250	1210	46	expanded	expand	VERB
cblr-14250	1210	47	business.202	business.202	PROPN
cblr-14250	1210	48	*	*	PUNCT
cblr-14250	1211	1	*	*	PUNCT
cblr-14250	1211	2	*	*	PUNCT
cblr-14250	1211	3	the	the	DET
cblr-14250	1211	4	examples	example	NOUN
cblr-14250	1211	5	outlined	outline	VERB
cblr-14250	1211	6	above	above	ADP
cblr-14250	1211	7	—	—	PUNCT
cblr-14250	1211	8	antitrust	antitrust	ADJ
cblr-14250	1211	9	and	and	CCONJ
cblr-14250	1211	10	merger	merger	NOUN
cblr-14250	1211	11	evaluation	evaluation	NOUN
cblr-14250	1211	12	,	,	PUNCT
cblr-14250	1211	13	consumer	consumer	NOUN
cblr-14250	1211	14	protection	protection	NOUN
cblr-14250	1211	15	,	,	PUNCT
cblr-14250	1211	16	and	and	CCONJ
cblr-14250	1211	17	the	the	DET
cblr-14250	1211	18	enforcement	enforcement	NOUN
cblr-14250	1211	19	of	of	ADP
cblr-14250	1211	20	civil	civil	ADJ
cblr-14250	1211	21	rights	right	NOUN
cblr-14250	1211	22	—	—	PUNCT
cblr-14250	1211	23	show	show	VERB
cblr-14250	1211	24	an	an	DET
cblr-14250	1211	25	important	important	ADJ
cblr-14250	1211	26	turn	turn	NOUN
cblr-14250	1211	27	in	in	ADP
cblr-14250	1211	28	the	the	DET
cblr-14250	1211	29	postwar	postwar	ADJ
cblr-14250	1211	30	institutional	institutional	ADJ
cblr-14250	1211	31	shift	shift	NOUN
cblr-14250	1211	32	for	for	ADP
cblr-14250	1211	33	bank	bank	NOUN
cblr-14250	1211	34	supervision	supervision	NOUN
cblr-14250	1211	35	.	.	PUNCT
cblr-14250	1212	1	the	the	DET
cblr-14250	1212	2	basic	basic	ADJ
cblr-14250	1212	3	institutionalization	institutionalization	NOUN
cblr-14250	1212	4	accomplished	accomplish	VERB
cblr-14250	1212	5	from	from	ADP
cblr-14250	1212	6	1863	1863	NUM
cblr-14250	1212	7	to	to	ADP
cblr-14250	1212	8	1933	1933	NUM
cblr-14250	1212	9	remained	remain	VERB
cblr-14250	1212	10	in	in	ADP
cblr-14250	1212	11	place	place	NOUN
cblr-14250	1212	12	;	;	PUNCT
cblr-14250	1212	13	bank	bank	NOUN
cblr-14250	1212	14	supervisors	supervisor	NOUN
cblr-14250	1212	15	were	be	AUX
cblr-14250	1212	16	co	co	NOUN
cblr-14250	1212	17	-	-	NOUN
cblr-14250	1212	18	owners	owner	NOUN
cblr-14250	1212	19	of	of	ADP
cblr-14250	1212	20	risk	risk	NOUN
cblr-14250	1212	21	management	management	NOUN
cblr-14250	1212	22	with	with	ADP
cblr-14250	1212	23	the	the	DET
cblr-14250	1212	24	banks	bank	NOUN
cblr-14250	1212	25	themselves	themselves	PRON
cblr-14250	1212	26	but	but	CCONJ
cblr-14250	1212	27	held	hold	VERB
cblr-14250	1212	28	strong	strong	ADJ
cblr-14250	1212	29	to	to	ADP
cblr-14250	1212	30	the	the	DET
cblr-14250	1212	31	residual	residual	ADJ
cblr-14250	1212	32	systemic	systemic	ADJ
cblr-14250	1212	33	risks	risk	NOUN
cblr-14250	1212	34	of	of	ADP
cblr-14250	1212	35	financial	financial	ADJ
cblr-14250	1212	36	collapse	collapse	NOUN
cblr-14250	1212	37	.	.	PUNCT
cblr-14250	1213	1	these	these	DET
cblr-14250	1213	2	risks	risk	NOUN
cblr-14250	1213	3	were	be	AUX
cblr-14250	1213	4	divided	divide	VERB
cblr-14250	1213	5	among	among	ADP
cblr-14250	1213	6	the	the	DET
cblr-14250	1213	7	different	different	ADJ
cblr-14250	1213	8	agencies	agency	NOUN
cblr-14250	1213	9	:	:	PUNCT
cblr-14250	1213	10	macroeconomic	macroeconomic	ADJ
cblr-14250	1213	11	stability	stability	NOUN
cblr-14250	1213	12	risk	risk	NOUN
cblr-14250	1213	13	belonged	belong	VERB
cblr-14250	1213	14	to	to	ADP
cblr-14250	1213	15	the	the	DET
cblr-14250	1213	16	fed	fed	PROPN
cblr-14250	1213	17	,	,	PUNCT
cblr-14250	1213	18	the	the	DET
cblr-14250	1213	19	robustness	robustness	NOUN
cblr-14250	1213	20	of	of	ADP
cblr-14250	1213	21	the	the	DET
cblr-14250	1213	22	national	national	ADJ
cblr-14250	1213	23	banking	banking	NOUN
cblr-14250	1213	24	system	system	NOUN
cblr-14250	1213	25	to	to	ADP
cblr-14250	1213	26	the	the	DET
cblr-14250	1213	27	comptroller	comptroller	NOUN
cblr-14250	1213	28	,	,	PUNCT
cblr-14250	1213	29	and	and	CCONJ
cblr-14250	1213	30	protection	protection	NOUN
cblr-14250	1213	31	of	of	ADP
cblr-14250	1213	32	depositors	depositor	NOUN
cblr-14250	1213	33	and	and	CCONJ
cblr-14250	1213	34	the	the	DET
cblr-14250	1213	35	deposit	deposit	NOUN
cblr-14250	1213	36	insurance	insurance	NOUN
cblr-14250	1213	37	fund	fund	NOUN
cblr-14250	1213	38	to	to	ADP
cblr-14250	1213	39	the	the	DET
cblr-14250	1213	40	fdic	fdic	PROPN
cblr-14250	1213	41	.	.	PUNCT
cblr-14250	1214	1	as	as	ADP
cblr-14250	1214	2	a	a	DET
cblr-14250	1214	3	partial	partial	ADJ
cblr-14250	1214	4	consequence	consequence	NOUN
cblr-14250	1214	5	of	of	ADP
cblr-14250	1214	6	the	the	DET
cblr-14250	1214	7	successes	success	NOUN
cblr-14250	1214	8	of	of	ADP
cblr-14250	1214	9	the	the	DET
cblr-14250	1214	10	residual	residual	ADJ
cblr-14250	1214	11	risk	risk	NOUN
cblr-14250	1214	12	management	management	NOUN
cblr-14250	1214	13	of	of	ADP
cblr-14250	1214	14	these	these	DET
cblr-14250	1214	15	systemic	systemic	ADJ
cblr-14250	1214	16	risks	risk	NOUN
cblr-14250	1214	17	,	,	PUNCT
cblr-14250	1214	18	congress	congress	PROPN
cblr-14250	1214	19	continued	continue	VERB
cblr-14250	1214	20	to	to	PART
cblr-14250	1214	21	expand	expand	VERB
cblr-14250	1214	22	the	the	DET
cblr-14250	1214	23	portfolios	portfolio	NOUN
cblr-14250	1214	24	to	to	PART
cblr-14250	1214	25	include	include	VERB
cblr-14250	1214	26	these	these	DET
cblr-14250	1214	27	other	other	ADJ
cblr-14250	1214	28	important	important	ADJ
cblr-14250	1214	29	policy	policy	NOUN
cblr-14250	1214	30	priorities	priority	NOUN
cblr-14250	1214	31	.	.	PUNCT
cblr-14250	1215	1	what	what	PRON
cblr-14250	1215	2	congress	congress	PROPN
cblr-14250	1215	3	did	do	AUX
cblr-14250	1215	4	not	not	PART
cblr-14250	1215	5	do	do	AUX
cblr-14250	1215	6	is	be	AUX
cblr-14250	1215	7	tell	tell	VERB
cblr-14250	1215	8	supervisors	supervisor	NOUN
cblr-14250	1215	9	how	how	SCONJ
cblr-14250	1215	10	to	to	PART
cblr-14250	1215	11	optimize	optimize	VERB
cblr-14250	1215	12	these	these	PRON
cblr-14250	1215	13	sometimes	sometimes	ADV
cblr-14250	1215	14	how	how	SCONJ
cblr-14250	1215	15	the	the	DET
cblr-14250	1215	16	federal	federal	ADJ
cblr-14250	1215	17	housing	housing	PROPN
cblr-14250	1215	18	administration	administration	NOUN
cblr-14250	1215	19	tried	try	VERB
cblr-14250	1215	20	to	to	PART
cblr-14250	1215	21	save	save	VERB
cblr-14250	1215	22	america	america	PROPN
cblr-14250	1215	23	’s	’s	PART
cblr-14250	1215	24	cities	city	NOUN
cblr-14250	1215	25	,	,	PUNCT
cblr-14250	1215	26	28	28	NUM
cblr-14250	1215	27	j.	j.	PROPN
cblr-14250	1215	28	pol’y	pol’y	NOUN
cblr-14250	1215	29	hist	hist	PROPN
cblr-14250	1215	30	.	.	PROPN
cblr-14250	1216	1	290	290	NUM
cblr-14250	1216	2	,	,	PUNCT
cblr-14250	1216	3	308	308	NUM
cblr-14250	1216	4	(	(	PUNCT
cblr-14250	1216	5	2016	2016	NUM
cblr-14250	1216	6	)	)	PUNCT
cblr-14250	1216	7	.	.	PUNCT
cblr-14250	1217	1	202	202	NUM
cblr-14250	1217	2	see	see	VERB
cblr-14250	1217	3	rebecca	rebecca	PROPN
cblr-14250	1217	4	k.	k.	PROPN
cblr-14250	1217	5	marchiel	marchiel	PROPN
cblr-14250	1217	6	,	,	PUNCT
cblr-14250	1217	7	after	after	ADP
cblr-14250	1217	8	redlining	redline	VERB
cblr-14250	1217	9	:	:	PUNCT
cblr-14250	1217	10	the	the	DET
cblr-14250	1217	11	urban	urban	ADJ
cblr-14250	1217	12	reinvestment	reinvestment	NOUN
cblr-14250	1217	13	movement	movement	NOUN
cblr-14250	1217	14	in	in	ADP
cblr-14250	1217	15	the	the	DET
cblr-14250	1217	16	era	era	NOUN
cblr-14250	1217	17	of	of	ADP
cblr-14250	1217	18	financial	financial	ADJ
cblr-14250	1217	19	deregulation	deregulation	NOUN
cblr-14250	1217	20	(	(	PUNCT
cblr-14250	1217	21	2020	2020	NUM
cblr-14250	1217	22	)	)	PUNCT
cblr-14250	1217	23	.	.	PUNCT
cblr-14250	1218	1	216	216	NUM
cblr-14250	1218	2	columbia	columbia	PROPN
cblr-14250	1218	3	business	business	NOUN
cblr-14250	1218	4	law	law	PROPN
cblr-14250	1218	5	review	review	NOUN
cblr-14250	1218	6	[	[	X
cblr-14250	1218	7	vol	vol	NOUN
cblr-14250	1218	8	.	.	PUNCT
cblr-14250	1218	9	2025	2025	NUM
cblr-14250	1218	10	conflicting	conflicting	ADJ
cblr-14250	1218	11	priorities	priority	NOUN
cblr-14250	1218	12	.	.	PUNCT
cblr-14250	1219	1	that	that	DET
cblr-14250	1219	2	optimization	optimization	NOUN
cblr-14250	1219	3	was	be	AUX
cblr-14250	1219	4	left	leave	VERB
cblr-14250	1219	5	to	to	ADP
cblr-14250	1219	6	the	the	DET
cblr-14250	1219	7	supervisors	supervisor	NOUN
cblr-14250	1219	8	themselves	themselves	PRON
cblr-14250	1219	9	,	,	PUNCT
cblr-14250	1219	10	a	a	DET
cblr-14250	1219	11	process	process	NOUN
cblr-14250	1219	12	that	that	PRON
cblr-14250	1219	13	only	only	ADV
cblr-14250	1219	14	expanded	expand	VERB
cblr-14250	1219	15	their	their	PRON
cblr-14250	1219	16	discretionary	discretionary	ADJ
cblr-14250	1219	17	authority	authority	NOUN
cblr-14250	1219	18	over	over	ADP
cblr-14250	1219	19	the	the	DET
cblr-14250	1219	20	entire	entire	ADJ
cblr-14250	1219	21	system	system	NOUN
cblr-14250	1219	22	.	.	PUNCT
cblr-14250	1220	1	even	even	ADV
cblr-14250	1220	2	when	when	SCONJ
cblr-14250	1220	3	supervisors	supervisor	NOUN
cblr-14250	1220	4	failed	fail	VERB
cblr-14250	1220	5	to	to	PART
cblr-14250	1220	6	achieve	achieve	VERB
cblr-14250	1220	7	congress	congress	PROPN
cblr-14250	1220	8	’s	’s	PART
cblr-14250	1220	9	priorities	priority	NOUN
cblr-14250	1220	10	,	,	PUNCT
cblr-14250	1220	11	as	as	ADP
cblr-14250	1220	12	in	in	ADP
cblr-14250	1220	13	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1220	14	policy	policy	NOUN
cblr-14250	1220	15	,	,	PUNCT
cblr-14250	1220	16	the	the	DET
cblr-14250	1220	17	(	(	PUNCT
cblr-14250	1220	18	ironic	ironic	ADJ
cblr-14250	1220	19	)	)	PUNCT
cblr-14250	1220	20	outcome	outcome	NOUN
cblr-14250	1220	21	was	be	AUX
cblr-14250	1220	22	the	the	DET
cblr-14250	1220	23	creation	creation	NOUN
cblr-14250	1220	24	of	of	ADP
cblr-14250	1220	25	new	new	ADJ
cblr-14250	1220	26	supervisory	supervisory	ADJ
cblr-14250	1220	27	tools	tool	NOUN
cblr-14250	1220	28	and	and	CCONJ
cblr-14250	1220	29	the	the	DET
cblr-14250	1220	30	expansion	expansion	NOUN
cblr-14250	1220	31	of	of	ADP
cblr-14250	1220	32	official	official	ADJ
cblr-14250	1220	33	discretion	discretion	NOUN
cblr-14250	1220	34	.	.	PUNCT
cblr-14250	1221	1	iv	iv	X
cblr-14250	1221	2	.	.	PUNCT
cblr-14250	1221	3	modern	modern	ADJ
cblr-14250	1221	4	applications	application	NOUN
cblr-14250	1221	5	of	of	ADP
cblr-14250	1221	6	risk	risk	NOUN
cblr-14250	1221	7	,	,	PUNCT
cblr-14250	1221	8	discretion	discretion	NOUN
cblr-14250	1221	9	,	,	PUNCT
cblr-14250	1221	10	and	and	CCONJ
cblr-14250	1221	11	bank	bank	NOUN
cblr-14250	1221	12	supervision	supervision	NOUN
cblr-14250	1221	13	:	:	PUNCT
cblr-14250	1221	14	climate	climate	NOUN
cblr-14250	1221	15	change	change	NOUN
cblr-14250	1221	16	,	,	PUNCT
cblr-14250	1221	17	merger	merger	NOUN
cblr-14250	1221	18	policy	policy	NOUN
cblr-14250	1221	19	,	,	PUNCT
cblr-14250	1221	20	and	and	CCONJ
cblr-14250	1221	21	deposit	deposit	NOUN
cblr-14250	1221	22	insurance	insurance	NOUN
cblr-14250	1221	23	the	the	DET
cblr-14250	1221	24	positive	positive	ADJ
cblr-14250	1221	25	theory	theory	NOUN
cblr-14250	1221	26	of	of	ADP
cblr-14250	1221	27	bank	bank	NOUN
cblr-14250	1221	28	supervision	supervision	NOUN
cblr-14250	1221	29	that	that	PRON
cblr-14250	1221	30	we	we	PRON
cblr-14250	1221	31	have	have	AUX
cblr-14250	1221	32	articulated	articulate	VERB
cblr-14250	1221	33	through	through	ADP
cblr-14250	1221	34	this	this	DET
cblr-14250	1221	35	extensive	extensive	ADJ
cblr-14250	1221	36	history	history	NOUN
cblr-14250	1221	37	contains	contain	VERB
cblr-14250	1221	38	,	,	PUNCT
cblr-14250	1221	39	as	as	SCONJ
cblr-14250	1221	40	noted	note	VERB
cblr-14250	1221	41	,	,	PUNCT
cblr-14250	1221	42	four	four	NUM
cblr-14250	1221	43	components	component	NOUN
cblr-14250	1221	44	:	:	PUNCT
cblr-14250	1221	45	supervision	supervision	NOUN
cblr-14250	1221	46	exists	exist	VERB
cblr-14250	1221	47	(	(	PUNCT
cblr-14250	1221	48	1	1	X
cblr-14250	1221	49	)	)	PUNCT
cblr-14250	1221	50	at	at	ADP
cblr-14250	1221	51	the	the	DET
cblr-14250	1221	52	intersection	intersection	NOUN
cblr-14250	1221	53	between	between	ADP
cblr-14250	1221	54	public	public	ADJ
cblr-14250	1221	55	and	and	CCONJ
cblr-14250	1221	56	private	private	ADJ
cblr-14250	1221	57	that	that	PRON
cblr-14250	1221	58	has	have	VERB
cblr-14250	1221	59	(	(	PUNCT
cblr-14250	1221	60	2	2	NUM
cblr-14250	1221	61	)	)	PUNCT
cblr-14250	1221	62	evolved	evolve	VERB
cblr-14250	1221	63	into	into	ADP
cblr-14250	1221	64	a	a	DET
cblr-14250	1221	65	large	large	ADJ
cblr-14250	1221	66	apparatus	apparatus	NOUN
cblr-14250	1221	67	touching	touch	VERB
cblr-14250	1221	68	on	on	ADP
cblr-14250	1221	69	various	various	ADJ
cblr-14250	1221	70	policy	policy	NOUN
cblr-14250	1221	71	goals	goal	NOUN
cblr-14250	1221	72	whereby	whereby	ADV
cblr-14250	1221	73	(	(	PUNCT
cblr-14250	1221	74	3	3	X
cblr-14250	1221	75	)	)	PUNCT
cblr-14250	1221	76	congress	congress	PROPN
cblr-14250	1221	77	has	have	AUX
cblr-14250	1221	78	given	give	VERB
cblr-14250	1221	79	supervisors	supervisor	NOUN
cblr-14250	1221	80	discretion	discretion	NOUN
cblr-14250	1221	81	to	to	PART
cblr-14250	1221	82	prioritize	prioritize	VERB
cblr-14250	1221	83	and	and	CCONJ
cblr-14250	1221	84	implement	implement	VERB
cblr-14250	1221	85	these	these	DET
cblr-14250	1221	86	sometimes	sometimes	ADV
cblr-14250	1221	87	conflicting	conflicting	ADJ
cblr-14250	1221	88	,	,	PUNCT
cblr-14250	1221	89	sometimes	sometimes	ADV
cblr-14250	1221	90	complementary	complementary	ADJ
cblr-14250	1221	91	goals	goal	NOUN
cblr-14250	1221	92	.	.	PUNCT
cblr-14250	1222	1	these	these	DET
cblr-14250	1222	2	factors	factor	NOUN
cblr-14250	1222	3	have	have	AUX
cblr-14250	1222	4	created	create	VERB
cblr-14250	1222	5	a	a	DET
cblr-14250	1222	6	system	system	NOUN
cblr-14250	1222	7	that	that	PRON
cblr-14250	1222	8	is	be	AUX
cblr-14250	1222	9	(	(	PUNCT
cblr-14250	1222	10	4	4	NUM
cblr-14250	1222	11	)	)	PUNCT
cblr-14250	1222	12	resilient	resilient	ADJ
cblr-14250	1222	13	to	to	ADP
cblr-14250	1222	14	permanent	permanent	ADJ
cblr-14250	1222	15	reform	reform	NOUN
cblr-14250	1222	16	because	because	SCONJ
cblr-14250	1222	17	it	it	PRON
cblr-14250	1222	18	is	be	AUX
cblr-14250	1222	19	a	a	DET
cblr-14250	1222	20	risk	risk	NOUN
cblr-14250	1222	21	absorber	absorber	NOUN
cblr-14250	1222	22	for	for	ADP
cblr-14250	1222	23	the	the	DET
cblr-14250	1222	24	entire	entire	ADJ
cblr-14250	1222	25	financial	financial	ADJ
cblr-14250	1222	26	system	system	NOUN
cblr-14250	1222	27	.	.	PUNCT
cblr-14250	1223	1	in	in	ADP
cblr-14250	1223	2	this	this	DET
cblr-14250	1223	3	final	final	ADJ
cblr-14250	1223	4	section	section	NOUN
cblr-14250	1223	5	,	,	PUNCT
cblr-14250	1223	6	we	we	PRON
cblr-14250	1223	7	outline	outline	VERB
cblr-14250	1223	8	the	the	DET
cblr-14250	1223	9	ways	way	NOUN
cblr-14250	1223	10	that	that	PRON
cblr-14250	1223	11	this	this	DET
cblr-14250	1223	12	framework	framework	NOUN
cblr-14250	1223	13	can	can	AUX
cblr-14250	1223	14	help	help	VERB
cblr-14250	1223	15	us	we	PRON
cblr-14250	1223	16	make	make	VERB
cblr-14250	1223	17	sense	sense	NOUN
cblr-14250	1223	18	of	of	ADP
cblr-14250	1223	19	three	three	NUM
cblr-14250	1223	20	of	of	ADP
cblr-14250	1223	21	the	the	DET
cblr-14250	1223	22	most	most	ADV
cblr-14250	1223	23	important	important	ADJ
cblr-14250	1223	24	and	and	CCONJ
cblr-14250	1223	25	pressing	press	VERB
cblr-14250	1223	26	policy	policy	NOUN
cblr-14250	1223	27	issues	issue	NOUN
cblr-14250	1223	28	currently	currently	ADV
cblr-14250	1223	29	facing	face	VERB
cblr-14250	1223	30	banks	bank	NOUN
cblr-14250	1223	31	:	:	PUNCT
cblr-14250	1223	32	(	(	PUNCT
cblr-14250	1223	33	1	1	X
cblr-14250	1223	34	)	)	PUNCT
cblr-14250	1223	35	how	how	SCONJ
cblr-14250	1223	36	to	to	PART
cblr-14250	1223	37	evaluate	evaluate	VERB
cblr-14250	1223	38	the	the	DET
cblr-14250	1223	39	risks	risk	NOUN
cblr-14250	1223	40	imposed	impose	VERB
cblr-14250	1223	41	by	by	ADP
cblr-14250	1223	42	global	global	ADJ
cblr-14250	1223	43	climate	climate	NOUN
cblr-14250	1223	44	change	change	NOUN
cblr-14250	1223	45	,	,	PUNCT
cblr-14250	1223	46	(	(	PUNCT
cblr-14250	1223	47	2	2	X
cblr-14250	1223	48	)	)	PUNCT
cblr-14250	1223	49	how	how	SCONJ
cblr-14250	1223	50	to	to	PART
cblr-14250	1223	51	manage	manage	VERB
cblr-14250	1223	52	bank	bank	NOUN
cblr-14250	1223	53	concentration	concentration	NOUN
cblr-14250	1223	54	and	and	CCONJ
cblr-14250	1223	55	bank	bank	NOUN
cblr-14250	1223	56	merger	merger	NOUN
cblr-14250	1223	57	policy	policy	NOUN
cblr-14250	1223	58	,	,	PUNCT
cblr-14250	1223	59	especially	especially	ADV
cblr-14250	1223	60	in	in	ADP
cblr-14250	1223	61	times	time	NOUN
cblr-14250	1223	62	of	of	ADP
cblr-14250	1223	63	crisis	crisis	NOUN
cblr-14250	1223	64	,	,	PUNCT
cblr-14250	1223	65	and	and	CCONJ
cblr-14250	1223	66	(	(	PUNCT
cblr-14250	1223	67	3	3	X
cblr-14250	1223	68	)	)	PUNCT
cblr-14250	1223	69	how	how	SCONJ
cblr-14250	1223	70	to	to	PART
cblr-14250	1223	71	understand	understand	VERB
cblr-14250	1223	72	the	the	DET
cblr-14250	1223	73	relationship	relationship	NOUN
cblr-14250	1223	74	between	between	ADP
cblr-14250	1223	75	hard	hard	ADJ
cblr-14250	1223	76	-	-	PUNCT
cblr-14250	1223	77	to	to	ADP
cblr-14250	1223	78	-	-	PUNCT
cblr-14250	1223	79	price	price	NOUN
cblr-14250	1223	80	deposit	deposit	NOUN
cblr-14250	1223	81	insurance	insurance	NOUN
cblr-14250	1223	82	and	and	CCONJ
cblr-14250	1223	83	bank	bank	NOUN
cblr-14250	1223	84	supervision	supervision	NOUN
cblr-14250	1223	85	.	.	PUNCT
cblr-14250	1224	1	a.	a.	PROPN
cblr-14250	1224	2	global	global	ADJ
cblr-14250	1224	3	climate	climate	NOUN
cblr-14250	1224	4	change	change	NOUN
cblr-14250	1224	5	and	and	CCONJ
cblr-14250	1224	6	bank	bank	NOUN
cblr-14250	1224	7	supervision	supervision	NOUN
cblr-14250	1224	8	the	the	DET
cblr-14250	1224	9	question	question	NOUN
cblr-14250	1224	10	of	of	ADP
cblr-14250	1224	11	how	how	SCONJ
cblr-14250	1224	12	central	central	ADJ
cblr-14250	1224	13	banks	bank	NOUN
cblr-14250	1224	14	and	and	CCONJ
cblr-14250	1224	15	bank	bank	NOUN
cblr-14250	1224	16	supervisors	supervisor	NOUN
cblr-14250	1224	17	will	will	AUX
cblr-14250	1224	18	manage	manage	VERB
cblr-14250	1224	19	climaterelated	climaterelated	ADJ
cblr-14250	1224	20	risks	risk	NOUN
cblr-14250	1224	21	has	have	AUX
cblr-14250	1224	22	become	become	VERB
cblr-14250	1224	23	one	one	NUM
cblr-14250	1224	24	of	of	ADP
cblr-14250	1224	25	the	the	DET
cblr-14250	1224	26	most	most	ADV
cblr-14250	1224	27	contentious	contentious	ADJ
cblr-14250	1224	28	in	in	ADP
cblr-14250	1224	29	current	current	ADJ
cblr-14250	1224	30	debates	debate	NOUN
cblr-14250	1224	31	about	about	ADP
cblr-14250	1224	32	our	our	PRON
cblr-14250	1224	33	financial	financial	ADJ
cblr-14250	1224	34	system	system	NOUN
cblr-14250	1224	35	.	.	PUNCT
cblr-14250	1225	1	sarah	sarah	PROPN
cblr-14250	1225	2	bloom	bloom	PROPN
cblr-14250	1225	3	raskin	raskin	PROPN
cblr-14250	1225	4	,	,	PUNCT
cblr-14250	1225	5	joe	joe	PROPN
cblr-14250	1225	6	biden	biden	PROPN
cblr-14250	1225	7	’s	’s	PART
cblr-14250	1225	8	nominee	nominee	NOUN
cblr-14250	1225	9	for	for	ADP
cblr-14250	1225	10	vice	vice	NOUN
cblr-14250	1225	11	chair	chair	NOUN
cblr-14250	1225	12	for	for	ADP
cblr-14250	1225	13	supervision	supervision	NOUN
cblr-14250	1225	14	and	and	CCONJ
cblr-14250	1225	15	a	a	DET
cblr-14250	1225	16	former	former	ADJ
cblr-14250	1225	17	central	central	ADJ
cblr-14250	1225	18	banker	banker	NOUN
cblr-14250	1225	19	and	and	CCONJ
cblr-14250	1225	20	deputy	deputy	NOUN
cblr-14250	1225	21	no	no	INTJ
cblr-14250	1225	22	.	.	NOUN
cblr-14250	1225	23	1	1	NUM
cblr-14250	1225	24	]	]	PUNCT
cblr-14250	1225	25	risk	risk	NOUN
cblr-14250	1225	26	,	,	PUNCT
cblr-14250	1225	27	discretion	discretion	NOUN
cblr-14250	1225	28	,	,	PUNCT
cblr-14250	1225	29	and	and	CCONJ
cblr-14250	1225	30	bank	bank	NOUN
cblr-14250	1225	31	supervision	supervision	NOUN
cblr-14250	1225	32	217	217	NUM
cblr-14250	1225	33	treasury	treasury	NOUN
cblr-14250	1225	34	secretary	secretary	NOUN
cblr-14250	1225	35	under	under	ADP
cblr-14250	1225	36	the	the	DET
cblr-14250	1225	37	obama	obama	PROPN
cblr-14250	1225	38	administration	administration	NOUN
cblr-14250	1225	39	,	,	PUNCT
cblr-14250	1225	40	faced	face	VERB
cblr-14250	1225	41	defeat	defeat	NOUN
cblr-14250	1225	42	in	in	ADP
cblr-14250	1225	43	the	the	DET
cblr-14250	1225	44	u.s	u.s	PROPN
cblr-14250	1225	45	.	.	PROPN
cblr-14250	1225	46	senate	senate	PROPN
cblr-14250	1225	47	due	due	ADP
cblr-14250	1225	48	to	to	ADP
cblr-14250	1225	49	her	her	PRON
cblr-14250	1225	50	views	view	NOUN
cblr-14250	1225	51	that	that	SCONJ
cblr-14250	1225	52	“	"	PUNCT
cblr-14250	1225	53	financial	financial	ADJ
cblr-14250	1225	54	regulators	regulator	NOUN
cblr-14250	1225	55	have	have	AUX
cblr-14250	1225	56	yet	yet	ADV
cblr-14250	1225	57	to	to	PART
cblr-14250	1225	58	show	show	VERB
cblr-14250	1225	59	that	that	SCONJ
cblr-14250	1225	60	they	they	PRON
cblr-14250	1225	61	are	be	AUX
cblr-14250	1225	62	thinking	think	VERB
cblr-14250	1225	63	creatively	creatively	ADV
cblr-14250	1225	64	about	about	ADP
cblr-14250	1225	65	potential	potential	ADJ
cblr-14250	1225	66	solutions	solution	NOUN
cblr-14250	1225	67	”	"	PUNCT
cblr-14250	1225	68	and	and	CCONJ
cblr-14250	1225	69	that	that	SCONJ
cblr-14250	1225	70	they	they	PRON
cblr-14250	1225	71	must	must	AUX
cblr-14250	1225	72	“	"	PUNCT
cblr-14250	1225	73	ask	ask	VERB
cblr-14250	1225	74	themselves	themselves	PRON
cblr-14250	1225	75	how	how	SCONJ
cblr-14250	1225	76	their	their	PRON
cblr-14250	1225	77	existing	exist	VERB
cblr-14250	1225	78	instruments	instrument	NOUN
cblr-14250	1225	79	can	can	AUX
cblr-14250	1225	80	be	be	AUX
cblr-14250	1225	81	used	use	VERB
cblr-14250	1225	82	to	to	PART
cblr-14250	1225	83	incentivize	incentivize	VERB
cblr-14250	1225	84	a	a	DET
cblr-14250	1225	85	rapid	rapid	ADJ
cblr-14250	1225	86	,	,	PUNCT
cblr-14250	1225	87	orderly	orderly	ADJ
cblr-14250	1225	88	,	,	PUNCT
cblr-14250	1225	89	and	and	CCONJ
cblr-14250	1225	90	just	just	ADV
cblr-14250	1225	91	transition	transition	NOUN
cblr-14250	1225	92	away	away	ADV
cblr-14250	1225	93	from	from	ADP
cblr-14250	1225	94	high	high	ADJ
cblr-14250	1225	95	-	-	PUNCT
cblr-14250	1225	96	emission	emission	NOUN
cblr-14250	1225	97	and	and	CCONJ
cblr-14250	1225	98	biodiversity	biodiversity	NOUN
cblr-14250	1225	99	-	-	PUNCT
cblr-14250	1225	100	destroying	destroy	VERB
cblr-14250	1225	101	investments	investment	NOUN
cblr-14250	1225	102	.	.	PUNCT
cblr-14250	1225	103	”203	”203	PUNCT
cblr-14250	1226	1	her	her	PRON
cblr-14250	1226	2	fate	fate	NOUN
cblr-14250	1226	3	was	be	AUX
cblr-14250	1226	4	sealed	seal	VERB
cblr-14250	1226	5	when	when	SCONJ
cblr-14250	1226	6	senator	senator	PROPN
cblr-14250	1226	7	joe	joe	PROPN
cblr-14250	1226	8	manchin	manchin	PROPN
cblr-14250	1226	9	,	,	PUNCT
cblr-14250	1226	10	democrat	democrat	PROPN
cblr-14250	1226	11	of	of	ADP
cblr-14250	1226	12	west	west	PROPN
cblr-14250	1226	13	virginia	virginia	PROPN
cblr-14250	1226	14	,	,	PUNCT
cblr-14250	1226	15	indicated	indicate	VERB
cblr-14250	1226	16	that	that	SCONJ
cblr-14250	1226	17	raskin	raskin	PROPN
cblr-14250	1226	18	“	"	PUNCT
cblr-14250	1226	19	failed	fail	VERB
cblr-14250	1226	20	to	to	PART
cblr-14250	1226	21	satisfactorily	satisfactorily	ADV
cblr-14250	1226	22	address	address	VERB
cblr-14250	1226	23	[	[	X
cblr-14250	1226	24	his	his	PRON
cblr-14250	1226	25	]	]	X
cblr-14250	1226	26	concerns	concern	NOUN
cblr-14250	1226	27	about	about	ADP
cblr-14250	1226	28	the	the	DET
cblr-14250	1226	29	critical	critical	ADJ
cblr-14250	1226	30	importance	importance	NOUN
cblr-14250	1226	31	of	of	ADP
cblr-14250	1226	32	financing	finance	VERB
cblr-14250	1226	33	an	an	DET
cblr-14250	1226	34	all	all	ADV
cblr-14250	1226	35	-	-	PUNCT
cblr-14250	1226	36	of	of	ADP
cblr-14250	1226	37	-	-	PUNCT
cblr-14250	1226	38	the	the	DET
cblr-14250	1226	39	-	-	PUNCT
cblr-14250	1226	40	above	above	ADJ
cblr-14250	1226	41	energy	energy	NOUN
cblr-14250	1226	42	policy	policy	NOUN
cblr-14250	1226	43	to	to	PART
cblr-14250	1226	44	meet	meet	VERB
cblr-14250	1226	45	[	[	X
cblr-14250	1226	46	the	the	DET
cblr-14250	1226	47	]	]	X
cblr-14250	1226	48	nation	nation	NOUN
cblr-14250	1226	49	’s	’s	PART
cblr-14250	1226	50	critical	critical	ADJ
cblr-14250	1226	51	energy	energy	NOUN
cblr-14250	1226	52	needs	need	NOUN
cblr-14250	1226	53	.	.	PUNCT
cblr-14250	1227	1	”204	”204	PROPN
cblr-14250	1228	1	the	the	DET
cblr-14250	1228	2	federal	federal	PROPN
cblr-14250	1228	3	reserve	reserve	PROPN
cblr-14250	1228	4	has	have	AUX
cblr-14250	1228	5	been	be	AUX
cblr-14250	1228	6	most	most	ADV
cblr-14250	1228	7	vocal	vocal	ADJ
cblr-14250	1228	8	in	in	ADP
cblr-14250	1228	9	trying	try	VERB
cblr-14250	1228	10	to	to	PART
cblr-14250	1228	11	walk	walk	VERB
cblr-14250	1228	12	a	a	DET
cblr-14250	1228	13	line	line	NOUN
cblr-14250	1228	14	on	on	ADP
cblr-14250	1228	15	the	the	DET
cblr-14250	1228	16	appropriate	appropriate	ADJ
cblr-14250	1228	17	interventions	intervention	NOUN
cblr-14250	1228	18	for	for	ADP
cblr-14250	1228	19	a	a	DET
cblr-14250	1228	20	central	central	ADJ
cblr-14250	1228	21	bank	bank	NOUN
cblr-14250	1228	22	in	in	ADP
cblr-14250	1228	23	this	this	DET
cblr-14250	1228	24	space	space	NOUN
cblr-14250	1228	25	,	,	PUNCT
cblr-14250	1228	26	not	not	PART
cblr-14250	1228	27	always	always	ADV
cblr-14250	1228	28	speaking	speak	VERB
cblr-14250	1228	29	with	with	ADP
cblr-14250	1228	30	one	one	NUM
cblr-14250	1228	31	voice	voice	NOUN
cblr-14250	1228	32	.	.	PUNCT
cblr-14250	1229	1	“	"	PUNCT
cblr-14250	1229	2	our	our	PRON
cblr-14250	1229	3	view	view	NOUN
cblr-14250	1229	4	is	be	AUX
cblr-14250	1229	5	that	that	PRON
cblr-14250	1229	6	is	be	AUX
cblr-14250	1229	7	an	an	DET
cblr-14250	1229	8	issue	issue	NOUN
cblr-14250	1229	9	that	that	PRON
cblr-14250	1229	10	was	be	AUX
cblr-14250	1229	11	given	give	VERB
cblr-14250	1229	12	to	to	ADP
cblr-14250	1229	13	other	other	ADJ
cblr-14250	1229	14	agencies	agency	NOUN
cblr-14250	1229	15	to	to	PART
cblr-14250	1229	16	deal	deal	VERB
cblr-14250	1229	17	with	with	ADP
cblr-14250	1229	18	,	,	PUNCT
cblr-14250	1229	19	”	"	PUNCT
cblr-14250	1229	20	the	the	DET
cblr-14250	1229	21	fed	fed	PROPN
cblr-14250	1229	22	’s	’s	PART
cblr-14250	1229	23	general	general	ADJ
cblr-14250	1229	24	counsel	counsel	NOUN
cblr-14250	1229	25	,	,	PUNCT
cblr-14250	1229	26	mark	mark	PROPN
cblr-14250	1229	27	van	van	PROPN
cblr-14250	1229	28	der	der	PROPN
cblr-14250	1229	29	weide	weide	PROPN
cblr-14250	1229	30	said	say	VERB
cblr-14250	1229	31	in	in	ADP
cblr-14250	1229	32	2020.205	2020.205	NUM
cblr-14250	1229	33	fed	fed	PROPN
cblr-14250	1229	34	chair	chair	NOUN
cblr-14250	1229	35	jay	jay	PROPN
cblr-14250	1229	36	powell	powell	PROPN
cblr-14250	1229	37	made	make	VERB
cblr-14250	1229	38	similar	similar	ADJ
cblr-14250	1229	39	kinds	kind	NOUN
cblr-14250	1229	40	of	of	ADP
cblr-14250	1229	41	commitments	commitment	NOUN
cblr-14250	1229	42	,	,	PUNCT
cblr-14250	1229	43	claiming	claim	VERB
cblr-14250	1229	44	climate	climate	NOUN
cblr-14250	1229	45	change	change	NOUN
cblr-14250	1229	46	is	be	AUX
cblr-14250	1229	47	“	"	PUNCT
cblr-14250	1229	48	an	an	DET
cblr-14250	1229	49	important	important	ADJ
cblr-14250	1229	50	issue	issue	NOUN
cblr-14250	1229	51	but	but	CCONJ
cblr-14250	1229	52	not	not	PART
cblr-14250	1229	53	principally	principally	ADV
cblr-14250	1229	54	for	for	ADP
cblr-14250	1229	55	the	the	DET
cblr-14250	1229	56	fed	fed	PROPN
cblr-14250	1229	57	.	.	PUNCT
cblr-14250	1229	58	”206	”206	PUNCT
cblr-14250	1229	59	on	on	ADP
cblr-14250	1229	60	the	the	DET
cblr-14250	1229	61	other	other	ADJ
cblr-14250	1229	62	hand	hand	NOUN
cblr-14250	1229	63	,	,	PUNCT
cblr-14250	1229	64	former	former	ADJ
cblr-14250	1229	65	fed	fed	PROPN
cblr-14250	1229	66	vice	vice	PROPN
cblr-14250	1229	67	chair	chair	PROPN
cblr-14250	1229	68	lael	lael	PROPN
cblr-14250	1229	69	brainard	brainard	PROPN
cblr-14250	1229	70	contended	contend	VERB
cblr-14250	1229	71	that	that	SCONJ
cblr-14250	1229	72	while	while	SCONJ
cblr-14250	1229	73	“	"	PUNCT
cblr-14250	1229	74	there	there	PRON
cblr-14250	1229	75	is	be	VERB
cblr-14250	1229	76	substantial	substantial	ADJ
cblr-14250	1229	77	uncertainty	uncertainty	NOUN
cblr-14250	1229	78	surrounding	surround	VERB
cblr-14250	1229	79	how	how	SCONJ
cblr-14250	1229	80	or	or	CCONJ
cblr-14250	1229	81	when	when	SCONJ
cblr-14250	1229	82	”	"	PUNCT
cblr-14250	1229	83	the	the	DET
cblr-14250	1229	84	economic	economic	ADJ
cblr-14250	1229	85	and	and	CCONJ
cblr-14250	1229	86	203	203	NUM
cblr-14250	1229	87	see	see	NOUN
cblr-14250	1229	88	sarah	sarah	PROPN
cblr-14250	1229	89	bloom	bloom	PROPN
cblr-14250	1229	90	raskin	raskin	PROPN
cblr-14250	1229	91	,	,	PUNCT
cblr-14250	1229	92	changing	change	VERB
cblr-14250	1229	93	the	the	DET
cblr-14250	1229	94	climate	climate	NOUN
cblr-14250	1229	95	of	of	ADP
cblr-14250	1229	96	financial	financial	ADJ
cblr-14250	1229	97	regulation	regulation	NOUN
cblr-14250	1229	98	,	,	PUNCT
cblr-14250	1229	99	project	project	NOUN
cblr-14250	1229	100	syndicate	syndicate	NOUN
cblr-14250	1229	101	(	(	PUNCT
cblr-14250	1229	102	sept	sept	PROPN
cblr-14250	1229	103	.	.	PROPN
cblr-14250	1229	104	10	10	NUM
cblr-14250	1229	105	,	,	PUNCT
cblr-14250	1229	106	2021	2021	NUM
cblr-14250	1229	107	)	)	PUNCT
cblr-14250	1229	108	,	,	PUNCT
cblr-14250	1229	109	https://www.projectsyndicate.org/magazine/us-financial-regulators-climate-change-by-sarahbloom-raskin-2021-09	https://www.projectsyndicate.org/magazine/us-financial-regulators-climate-change-by-sarahbloom-raskin-2021-09	PROPN
cblr-14250	1230	1	[	[	X
cblr-14250	1230	2	https://perma.cc/9db9-pe5u	https://perma.cc/9db9-pe5u	X
cblr-14250	1230	3	]	]	X
cblr-14250	1230	4	.	.	PUNCT
cblr-14250	1231	1	204	204	NUM
cblr-14250	1231	2	see	see	VERB
cblr-14250	1231	3	jane	jane	PROPN
cblr-14250	1231	4	mayer	mayer	PROPN
cblr-14250	1231	5	,	,	PUNCT
cblr-14250	1231	6	sarah	sarah	PROPN
cblr-14250	1231	7	bloom	bloom	PROPN
cblr-14250	1231	8	raskin	raskin	PROPN
cblr-14250	1231	9	withdraws	withdraw	VERB
cblr-14250	1231	10	her	her	PRON
cblr-14250	1231	11	nomination	nomination	NOUN
cblr-14250	1231	12	to	to	ADP
cblr-14250	1231	13	the	the	DET
cblr-14250	1231	14	federal	federal	PROPN
cblr-14250	1231	15	reserve	reserve	PROPN
cblr-14250	1231	16	board	board	PROPN
cblr-14250	1231	17	,	,	PUNCT
cblr-14250	1231	18	new	new	ADJ
cblr-14250	1231	19	yorker	yorker	PROPN
cblr-14250	1231	20	(	(	PUNCT
cblr-14250	1231	21	mar	mar	PROPN
cblr-14250	1231	22	.	.	PROPN
cblr-14250	1231	23	15	15	NUM
cblr-14250	1231	24	,	,	PUNCT
cblr-14250	1231	25	2022	2022	NUM
cblr-14250	1231	26	)	)	PUNCT
cblr-14250	1231	27	,	,	PUNCT
cblr-14250	1231	28	https://www.newyorker.com/news/news-desk/sarah-bloom-raskinwithdraws-her-nomination-to-the-federal-reserve-board	https://www.newyorker.com/news/news-desk/sarah-bloom-raskinwithdraws-her-nomination-to-the-federal-reserve-board	PROPN
cblr-14250	1232	1	[	[	X
cblr-14250	1232	2	https://perma.cc/86kp-y4vv	https://perma.cc/86kp-y4vv	PROPN
cblr-14250	1232	3	]	]	PUNCT
cblr-14250	1232	4	.	.	PUNCT
cblr-14250	1233	1	205	205	NUM
cblr-14250	1233	2	am	am	NOUN
cblr-14250	1233	3	.	.	PUNCT
cblr-14250	1234	1	bankers	banker	NOUN
cblr-14250	1234	2	ass’n	ass’n	NUM
cblr-14250	1234	3	,	,	PUNCT
cblr-14250	1234	4	fed	feed	VERB
cblr-14250	1234	5	official	official	NOUN
cblr-14250	1234	6	:	:	PUNCT
cblr-14250	1234	7	no	no	DET
cblr-14250	1234	8	near	near	ADJ
cblr-14250	1234	9	-	-	PUNCT
cblr-14250	1234	10	term	term	NOUN
cblr-14250	1234	11	plans	plan	NOUN
cblr-14250	1234	12	for	for	ADP
cblr-14250	1234	13	climate	climate	NOUN
cblr-14250	1234	14	risk	risk	NOUN
cblr-14250	1234	15	weights	weight	NOUN
cblr-14250	1234	16	,	,	PUNCT
cblr-14250	1234	17	stress	stress	NOUN
cblr-14250	1234	18	tests	test	NOUN
cblr-14250	1234	19	,	,	PUNCT
cblr-14250	1234	20	bankers	bankers	PROPN
cblr-14250	1234	21	j.	j.	PROPN
cblr-14250	1234	22	(	(	PUNCT
cblr-14250	1234	23	jan	jan	PROPN
cblr-14250	1234	24	.	.	PROPN
cblr-14250	1234	25	17	17	NUM
cblr-14250	1234	26	,	,	PUNCT
cblr-14250	1234	27	2020	2020	NUM
cblr-14250	1234	28	)	)	PUNCT
cblr-14250	1234	29	,	,	PUNCT
cblr-14250	1234	30	https://bankingjournal.aba.com/2020/01/fed-official-no-near-term-plansfor-climate-risk-weights-stress-tests/	https://bankingjournal.aba.com/2020/01/fed-official-no-near-term-plansfor-climate-risk-weights-stress-tests/	NOUN
cblr-14250	1234	31	[	[	X
cblr-14250	1234	32	https://perma.cc/lrl6-yvrv	https://perma.cc/lrl6-yvrv	PROPN
cblr-14250	1234	33	]	]	PUNCT
cblr-14250	1234	34	.	.	PUNCT
cblr-14250	1235	1	206	206	NUM
cblr-14250	1235	2	see	see	VERB
cblr-14250	1235	3	katia	katia	PROPN
cblr-14250	1235	4	dmitrieva	dmitrieva	PROPN
cblr-14250	1235	5	,	,	PUNCT
cblr-14250	1235	6	federal	federal	PROPN
cblr-14250	1235	7	reserve	reserve	PROPN
cblr-14250	1235	8	leaves	leave	VERB
cblr-14250	1235	9	action	action	NOUN
cblr-14250	1235	10	on	on	ADP
cblr-14250	1235	11	climate	climate	NOUN
cblr-14250	1235	12	change	change	NOUN
cblr-14250	1235	13	to	to	ADP
cblr-14250	1235	14	politicians	politician	NOUN
cblr-14250	1235	15	,	,	PUNCT
cblr-14250	1235	16	bloomberg	bloomberg	PROPN
cblr-14250	1235	17	(	(	PUNCT
cblr-14250	1235	18	nov	nov	PROPN
cblr-14250	1235	19	.	.	PROPN
cblr-14250	1235	20	13	13	NUM
cblr-14250	1235	21	,	,	PUNCT
cblr-14250	1235	22	2019	2019	NUM
cblr-14250	1235	23	)	)	PUNCT
cblr-14250	1235	24	,	,	PUNCT
cblr-14250	1235	25	https://www.bloomberg.com/news/articles/2019-11-13/federal-reserve-leavesaction-on-climate-change-to-politicians	https://www.bloomberg.com/news/articles/2019-11-13/federal-reserve-leavesaction-on-climate-change-to-politicians	PROPN
cblr-14250	1235	26	.	.	PUNCT
cblr-14250	1236	1	218	218	NUM
cblr-14250	1236	2	columbia	columbia	PROPN
cblr-14250	1236	3	business	business	NOUN
cblr-14250	1236	4	law	law	PROPN
cblr-14250	1236	5	review	review	NOUN
cblr-14250	1236	6	[	[	X
cblr-14250	1236	7	vol	vol	NOUN
cblr-14250	1236	8	.	.	PUNCT
cblr-14250	1236	9	2025	2025	NUM
cblr-14250	1236	10	financial	financial	ADJ
cblr-14250	1236	11	consequences	consequence	NOUN
cblr-14250	1236	12	of	of	ADP
cblr-14250	1236	13	climate	climate	NOUN
cblr-14250	1236	14	change	change	NOUN
cblr-14250	1236	15	will	will	AUX
cblr-14250	1236	16	materialize	materialize	VERB
cblr-14250	1236	17	,	,	PUNCT
cblr-14250	1236	18	“	"	PUNCT
cblr-14250	1236	19	we	we	PRON
cblr-14250	1236	20	can	can	AUX
cblr-14250	1236	21	begin	begin	VERB
cblr-14250	1236	22	to	to	PART
cblr-14250	1236	23	identify	identify	VERB
cblr-14250	1236	24	the	the	DET
cblr-14250	1236	25	factors	factor	NOUN
cblr-14250	1236	26	that	that	PRON
cblr-14250	1236	27	could	could	AUX
cblr-14250	1236	28	propagate	propagate	VERB
cblr-14250	1236	29	losses	loss	NOUN
cblr-14250	1236	30	from	from	ADP
cblr-14250	1236	31	natural	natural	ADJ
cblr-14250	1236	32	disasters	disaster	NOUN
cblr-14250	1236	33	,	,	PUNCT
cblr-14250	1236	34	energy	energy	NOUN
cblr-14250	1236	35	disruptions	disruption	NOUN
cblr-14250	1236	36	,	,	PUNCT
cblr-14250	1236	37	and	and	CCONJ
cblr-14250	1236	38	sudden	sudden	ADJ
cblr-14250	1236	39	shifts	shift	NOUN
cblr-14250	1236	40	in	in	ADP
cblr-14250	1236	41	the	the	DET
cblr-14250	1236	42	value	value	NOUN
cblr-14250	1236	43	of	of	ADP
cblr-14250	1236	44	climate	climate	NOUN
cblr-14250	1236	45	-	-	PUNCT
cblr-14250	1236	46	exposed	expose	VERB
cblr-14250	1236	47	properties	property	NOUN
cblr-14250	1236	48	.	.	PUNCT
cblr-14250	1237	1	”207	”207	VERB
cblr-14250	1237	2	all	all	PRON
cblr-14250	1237	3	of	of	ADP
cblr-14250	1237	4	these	these	DET
cblr-14250	1237	5	examples	example	NOUN
cblr-14250	1237	6	suggested	suggest	VERB
cblr-14250	1237	7	a	a	DET
cblr-14250	1237	8	much	much	ADV
cblr-14250	1237	9	more	more	ADV
cblr-14250	1237	10	aggressive	aggressive	ADJ
cblr-14250	1237	11	approach	approach	NOUN
cblr-14250	1237	12	to	to	ADP
cblr-14250	1237	13	climate	climate	NOUN
cblr-14250	1237	14	change	change	NOUN
cblr-14250	1237	15	be	be	AUX
cblr-14250	1237	16	part	part	NOUN
cblr-14250	1237	17	of	of	ADP
cblr-14250	1237	18	the	the	DET
cblr-14250	1237	19	fed	fed	PROPN
cblr-14250	1237	20	’s	’s	PART
cblr-14250	1237	21	bailiwick	bailiwick	NOUN
cblr-14250	1237	22	.	.	PUNCT
cblr-14250	1238	1	scholars	scholar	NOUN
cblr-14250	1238	2	have	have	AUX
cblr-14250	1238	3	been	be	AUX
cblr-14250	1238	4	similarly	similarly	ADV
cblr-14250	1238	5	divided	divide	VERB
cblr-14250	1238	6	.	.	PUNCT
cblr-14250	1239	1	some	some	DET
cblr-14250	1239	2	advocate	advocate	NOUN
cblr-14250	1239	3	for	for	ADP
cblr-14250	1239	4	wholesale	wholesale	ADJ
cblr-14250	1239	5	engagement	engagement	NOUN
cblr-14250	1239	6	of	of	ADP
cblr-14250	1239	7	banking	banking	NOUN
cblr-14250	1239	8	regulators	regulator	NOUN
cblr-14250	1239	9	and	and	CCONJ
cblr-14250	1239	10	central	central	ADJ
cblr-14250	1239	11	banks	bank	NOUN
cblr-14250	1239	12	in	in	ADP
cblr-14250	1239	13	combating	combat	VERB
cblr-14250	1239	14	climate	climate	NOUN
cblr-14250	1239	15	change.208	change.208	NOUN
cblr-14250	1239	16	others	other	NOUN
cblr-14250	1239	17	view	view	VERB
cblr-14250	1239	18	such	such	ADJ
cblr-14250	1239	19	moves	move	NOUN
cblr-14250	1239	20	as	as	ADP
cblr-14250	1239	21	a	a	DET
cblr-14250	1239	22	kind	kind	NOUN
cblr-14250	1239	23	of	of	ADP
cblr-14250	1239	24	“	"	PUNCT
cblr-14250	1239	25	central	central	ADJ
cblr-14250	1239	26	bank	bank	NOUN
cblr-14250	1239	27	activism	activism	NOUN
cblr-14250	1239	28	.	.	PUNCT
cblr-14250	1240	1	”209	”209	VERB
cblr-14250	1241	1	still	still	ADV
cblr-14250	1241	2	others	other	NOUN
cblr-14250	1241	3	call	call	VERB
cblr-14250	1241	4	for	for	ADP
cblr-14250	1241	5	“	"	PUNCT
cblr-14250	1241	6	technocratic	technocratic	ADJ
cblr-14250	1241	7	pragmatism	pragmatism	NOUN
cblr-14250	1241	8	”	"	PUNCT
cblr-14250	1241	9	for	for	SCONJ
cblr-14250	1241	10	the	the	DET
cblr-14250	1241	11	fed	fed	PROPN
cblr-14250	1241	12	to	to	PART
cblr-14250	1241	13	“	"	PUNCT
cblr-14250	1241	14	develop	develop	VERB
cblr-14250	1241	15	the	the	DET
cblr-14250	1241	16	expertise	expertise	NOUN
cblr-14250	1241	17	necessary	necessary	ADJ
cblr-14250	1241	18	to	to	PART
cblr-14250	1241	19	address	address	VERB
cblr-14250	1241	20	complex	complex	ADJ
cblr-14250	1241	21	,	,	PUNCT
cblr-14250	1241	22	emergent	emergent	ADJ
cblr-14250	1241	23	problems	problem	NOUN
cblr-14250	1241	24	that	that	PRON
cblr-14250	1241	25	affect	affect	VERB
cblr-14250	1241	26	the	the	DET
cblr-14250	1241	27	fed	fed	PROPN
cblr-14250	1241	28	’s	’s	PART
cblr-14250	1241	29	broad	broad	ADJ
cblr-14250	1241	30	statutory	statutory	ADJ
cblr-14250	1241	31	missions	mission	NOUN
cblr-14250	1241	32	,	,	PUNCT
cblr-14250	1241	33	”	"	PUNCT
cblr-14250	1241	34	including	include	VERB
cblr-14250	1241	35	climate	climate	NOUN
cblr-14250	1241	36	change.210	change.210	NOUN
cblr-14250	1241	37	the	the	DET
cblr-14250	1241	38	risk	risk	NOUN
cblr-14250	1241	39	-	-	PUNCT
cblr-14250	1241	40	and	and	CCONJ
cblr-14250	1241	41	-	-	PUNCT
cblr-14250	1241	42	discretion	discretion	NOUN
cblr-14250	1241	43	model	model	NOUN
cblr-14250	1241	44	of	of	ADP
cblr-14250	1241	45	bank	bank	NOUN
cblr-14250	1241	46	supervision	supervision	NOUN
cblr-14250	1241	47	makes	make	VERB
cblr-14250	1241	48	clear	clear	ADJ
cblr-14250	1241	49	that	that	SCONJ
cblr-14250	1241	50	whether	whether	SCONJ
cblr-14250	1241	51	bank	bank	NOUN
cblr-14250	1241	52	regulators	regulator	NOUN
cblr-14250	1241	53	do	do	VERB
cblr-14250	1241	54	anything	anything	PRON
cblr-14250	1241	55	,	,	PUNCT
cblr-14250	1241	56	bank	bank	NOUN
cblr-14250	1241	57	supervisors	supervisor	NOUN
cblr-14250	1241	58	already	already	ADV
cblr-14250	1241	59	own	own	VERB
cblr-14250	1241	60	this	this	DET
cblr-14250	1241	61	residual	residual	ADJ
cblr-14250	1241	62	risk	risk	NOUN
cblr-14250	1241	63	.	.	PUNCT
cblr-14250	1242	1	this	this	DET
cblr-14250	1242	2	fact	fact	NOUN
cblr-14250	1242	3	is	be	AUX
cblr-14250	1242	4	true	true	ADJ
cblr-14250	1242	5	whether	whether	SCONJ
cblr-14250	1242	6	congress	congress	PROPN
cblr-14250	1242	7	formally	formally	ADV
cblr-14250	1242	8	assigns	assign	VERB
cblr-14250	1242	9	the	the	DET
cblr-14250	1242	10	risk	risk	NOUN
cblr-14250	1242	11	to	to	ADP
cblr-14250	1242	12	them	they	PRON
cblr-14250	1242	13	,	,	PUNCT
cblr-14250	1242	14	in	in	ADP
cblr-14250	1242	15	an	an	DET
cblr-14250	1242	16	important	important	ADJ
cblr-14250	1242	17	sense	sense	NOUN
cblr-14250	1242	18	,	,	PUNCT
cblr-14250	1242	19	since	since	SCONJ
cblr-14250	1242	20	congress	congress	PROPN
cblr-14250	1242	21	has	have	AUX
cblr-14250	1242	22	already	already	ADV
cblr-14250	1242	23	given	give	VERB
cblr-14250	1242	24	supervisors	supervisor	NOUN
cblr-14250	1242	25	the	the	DET
cblr-14250	1242	26	responsibility	responsibility	NOUN
cblr-14250	1242	27	for	for	ADP
cblr-14250	1242	28	ensuring	ensure	VERB
cblr-14250	1242	29	both	both	PRON
cblr-14250	1242	30	systemic	systemic	ADJ
cblr-14250	1242	31	financial	financial	ADJ
cblr-14250	1242	32	stability	stability	NOUN
cblr-14250	1242	33	and	and	CCONJ
cblr-14250	1242	34	idiosyncratic	idiosyncratic	ADJ
cblr-14250	1242	35	risk	risk	NOUN
cblr-14250	1242	36	for	for	ADP
cblr-14250	1242	37	individual	individual	ADJ
cblr-14250	1242	38	financial	financial	ADJ
cblr-14250	1242	39	institutions	institution	NOUN
cblr-14250	1242	40	—	—	PUNCT
cblr-14250	1242	41	so	so	ADV
cblr-14250	1242	42	-	-	PUNCT
cblr-14250	1242	43	called	call	VERB
cblr-14250	1242	44	macroprudential	macroprudential	ADJ
cblr-14250	1242	45	and	and	CCONJ
cblr-14250	1242	46	microprudential	microprudential	ADJ
cblr-14250	1242	47	risk	risk	NOUN
cblr-14250	1242	48	,	,	PUNCT
cblr-14250	1242	49	respectively	respectively	ADV
cblr-14250	1242	50	.	.	PUNCT
cblr-14250	1243	1	to	to	PART
cblr-14250	1243	2	be	be	AUX
cblr-14250	1243	3	clear	clear	ADJ
cblr-14250	1243	4	,	,	PUNCT
cblr-14250	1243	5	the	the	DET
cblr-14250	1243	6	risk	risk	NOUN
cblr-14250	1243	7	-	-	PUNCT
cblr-14250	1243	8	and	and	CCONJ
cblr-14250	1243	9	-	-	PUNCT
cblr-14250	1243	10	discretion	discretion	NOUN
cblr-14250	1243	11	framework	framework	NOUN
cblr-14250	1243	12	does	do	AUX
cblr-14250	1243	13	not	not	PART
cblr-14250	1243	14	resolve	resolve	VERB
cblr-14250	1243	15	what	what	PRON
cblr-14250	1243	16	non	non	ADJ
cblr-14250	1243	17	-	-	ADJ
cblr-14250	1243	18	bank	bank	ADJ
cblr-14250	1243	19	supervisors	supervisor	NOUN
cblr-14250	1243	20	should	should	AUX
cblr-14250	1243	21	do	do	VERB
cblr-14250	1243	22	.	.	PUNCT
cblr-14250	1244	1	central	central	ADJ
cblr-14250	1244	2	bankers	banker	NOUN
cblr-14250	1244	3	may	may	AUX
cblr-14250	1244	4	or	or	CCONJ
cblr-14250	1244	5	may	may	AUX
cblr-14250	1244	6	not	not	PART
cblr-14250	1244	7	have	have	VERB
cblr-14250	1244	8	political	political	ADJ
cblr-14250	1244	9	cover	cover	NOUN
cblr-14250	1244	10	or	or	CCONJ
cblr-14250	1244	11	legal	legal	ADJ
cblr-14250	1244	12	ability	ability	NOUN
cblr-14250	1244	13	to	to	ADP
cblr-14250	1244	14	207	207	NUM
cblr-14250	1244	15	lael	lael	PROPN
cblr-14250	1244	16	brainard	brainard	PROPN
cblr-14250	1244	17	,	,	PUNCT
cblr-14250	1244	18	governor	governor	NOUN
cblr-14250	1244	19	,	,	PUNCT
cblr-14250	1244	20	fed	fed	PROPN
cblr-14250	1244	21	.	.	PUNCT
cblr-14250	1244	22	rsrv	rsrv	PROPN
cblr-14250	1244	23	.	.	PUNCT
cblr-14250	1245	1	sys	sys	PROPN
cblr-14250	1245	2	.	.	PUNCT
cblr-14250	1246	1	bd	bd	PROPN
cblr-14250	1246	2	.	.	PROPN
cblr-14250	1246	3	of	of	ADP
cblr-14250	1246	4	governors	governor	NOUN
cblr-14250	1246	5	,	,	PUNCT
cblr-14250	1246	6	address	address	NOUN
cblr-14250	1246	7	at	at	ADP
cblr-14250	1246	8	the	the	DET
cblr-14250	1246	9	economics	economic	NOUN
cblr-14250	1246	10	of	of	ADP
cblr-14250	1246	11	climate	climate	NOUN
cblr-14250	1246	12	change	change	NOUN
cblr-14250	1246	13	research	research	NOUN
cblr-14250	1246	14	conference	conference	NOUN
cblr-14250	1246	15	sponsored	sponsor	VERB
cblr-14250	1246	16	by	by	ADP
cblr-14250	1246	17	the	the	DET
cblr-14250	1246	18	federal	federal	PROPN
cblr-14250	1246	19	reserve	reserve	PROPN
cblr-14250	1246	20	bank	bank	PROPN
cblr-14250	1246	21	of	of	ADP
cblr-14250	1246	22	san	san	PROPN
cblr-14250	1246	23	francisco	francisco	PROPN
cblr-14250	1246	24	:	:	PUNCT
cblr-14250	1246	25	why	why	SCONJ
cblr-14250	1246	26	climate	climate	NOUN
cblr-14250	1246	27	change	change	NOUN
cblr-14250	1246	28	matters	matter	VERB
cblr-14250	1246	29	for	for	ADP
cblr-14250	1246	30	monetary	monetary	ADJ
cblr-14250	1246	31	policy	policy	NOUN
cblr-14250	1246	32	and	and	CCONJ
cblr-14250	1246	33	financial	financial	ADJ
cblr-14250	1246	34	stability	stability	NOUN
cblr-14250	1246	35	(	(	PUNCT
cblr-14250	1246	36	nov	nov	PROPN
cblr-14250	1246	37	.	.	PROPN
cblr-14250	1246	38	8	8	NUM
cblr-14250	1246	39	,	,	PUNCT
cblr-14250	1246	40	2019	2019	NUM
cblr-14250	1246	41	)	)	PUNCT
cblr-14250	1246	42	,	,	PUNCT
cblr-14250	1247	1	https://www.federalreserve.gov/newsevents/speech/brainard20191108a.htm	https://www.federalreserve.gov/newsevents/speech/brainard20191108a.htm	PROPN
cblr-14250	1248	1	[	[	X
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cblr-14250	1249	1	208	208	NUM
cblr-14250	1249	2	see	see	VERB
cblr-14250	1249	3	graham	graham	PROPN
cblr-14250	1249	4	steele	steele	PROPN
cblr-14250	1249	5	,	,	PUNCT
cblr-14250	1249	6	confronting	confront	VERB
cblr-14250	1249	7	the	the	DET
cblr-14250	1249	8	‘	'	PUNCT
cblr-14250	1249	9	climate	climate	NOUN
cblr-14250	1249	10	lehman	lehman	NOUN
cblr-14250	1249	11	moment	moment	NOUN
cblr-14250	1249	12	’	'	PUNCT
cblr-14250	1249	13	:	:	PUNCT
cblr-14250	1249	14	the	the	DET
cblr-14250	1249	15	case	case	NOUN
cblr-14250	1249	16	for	for	ADP
cblr-14250	1249	17	macroprudential	macroprudential	ADJ
cblr-14250	1249	18	climate	climate	NOUN
cblr-14250	1249	19	regulation	regulation	NOUN
cblr-14250	1249	20	,	,	PUNCT
cblr-14250	1249	21	30	30	NUM
cblr-14250	1249	22	cornell	cornell	PROPN
cblr-14250	1249	23	j.	j.	PROPN
cblr-14250	1249	24	l.	l.	PROPN
cblr-14250	1249	25	&	&	CCONJ
cblr-14250	1249	26	pub	pub	PROPN
cblr-14250	1249	27	.	.	PUNCT
cblr-14250	1250	1	pol’y	pol’y	NOUN
cblr-14250	1250	2	109	109	NUM
cblr-14250	1250	3	(	(	PUNCT
cblr-14250	1250	4	2020	2020	NUM
cblr-14250	1250	5	)	)	PUNCT
cblr-14250	1250	6	.	.	PUNCT
cblr-14250	1251	1	209	209	NUM
cblr-14250	1251	2	see	see	VERB
cblr-14250	1251	3	christina	christina	PROPN
cblr-14250	1251	4	skinner	skinner	PROPN
cblr-14250	1251	5	,	,	PUNCT
cblr-14250	1251	6	central	central	ADJ
cblr-14250	1251	7	bank	bank	NOUN
cblr-14250	1251	8	activism	activism	NOUN
cblr-14250	1251	9	,	,	PUNCT
cblr-14250	1251	10	71	71	NUM
cblr-14250	1251	11	duke	duke	PROPN
cblr-14250	1251	12	l.j	l.j	PROPN
cblr-14250	1251	13	.	.	PROPN
cblr-14250	1252	1	247–328	247–328	NUM
cblr-14250	1252	2	(	(	PUNCT
cblr-14250	1252	3	2021	2021	NUM
cblr-14250	1252	4	)	)	PUNCT
cblr-14250	1252	5	.	.	PUNCT
cblr-14250	1253	1	210	210	NUM
cblr-14250	1253	2	see	see	VERB
cblr-14250	1253	3	peter	peter	PROPN
cblr-14250	1253	4	conti	conti	PROPN
cblr-14250	1253	5	-	-	PROPN
cblr-14250	1253	6	brown	brown	ADJ
cblr-14250	1253	7	&	&	CCONJ
cblr-14250	1253	8	david	david	PROPN
cblr-14250	1253	9	wishnick	wishnick	PROPN
cblr-14250	1253	10	,	,	PUNCT
cblr-14250	1253	11	technocratic	technocratic	ADJ
cblr-14250	1253	12	pragmatism	pragmatism	NOUN
cblr-14250	1253	13	,	,	PUNCT
cblr-14250	1253	14	bureaucratic	bureaucratic	ADJ
cblr-14250	1253	15	expertise	expertise	NOUN
cblr-14250	1253	16	,	,	PUNCT
cblr-14250	1253	17	and	and	CCONJ
cblr-14250	1253	18	the	the	DET
cblr-14250	1253	19	federal	federal	PROPN
cblr-14250	1253	20	reserve	reserve	PROPN
cblr-14250	1253	21	,	,	PUNCT
cblr-14250	1253	22	130	130	NUM
cblr-14250	1253	23	yale	yale	PROPN
cblr-14250	1253	24	l.j	l.j	PROPN
cblr-14250	1253	25	.	.	PROPN
cblr-14250	1253	26	639	639	NUM
cblr-14250	1253	27	(	(	PUNCT
cblr-14250	1253	28	2021	2021	NUM
cblr-14250	1253	29	)	)	PUNCT
cblr-14250	1253	30	.	.	PUNCT
cblr-14250	1254	1	no	no	INTJ
cblr-14250	1254	2	.	.	NOUN
cblr-14250	1254	3	1	1	NUM
cblr-14250	1254	4	]	]	PUNCT
cblr-14250	1254	5	risk	risk	NOUN
cblr-14250	1254	6	,	,	PUNCT
cblr-14250	1254	7	discretion	discretion	NOUN
cblr-14250	1254	8	,	,	PUNCT
cblr-14250	1254	9	and	and	CCONJ
cblr-14250	1254	10	bank	bank	NOUN
cblr-14250	1254	11	supervision	supervision	NOUN
cblr-14250	1254	12	219	219	NUM
cblr-14250	1254	13	use	use	NOUN
cblr-14250	1254	14	tools	tool	NOUN
cblr-14250	1254	15	of	of	ADP
cblr-14250	1254	16	monetary	monetary	ADJ
cblr-14250	1254	17	policy	policy	NOUN
cblr-14250	1254	18	,	,	PUNCT
cblr-14250	1254	19	conventional	conventional	ADJ
cblr-14250	1254	20	or	or	CCONJ
cblr-14250	1254	21	unconventional	unconventional	ADJ
cblr-14250	1254	22	,	,	PUNCT
cblr-14250	1254	23	to	to	PART
cblr-14250	1254	24	engage	engage	VERB
cblr-14250	1254	25	in	in	ADP
cblr-14250	1254	26	climate	climate	NOUN
cblr-14250	1254	27	change	change	NOUN
cblr-14250	1254	28	remediation	remediation	NOUN
cblr-14250	1254	29	or	or	CCONJ
cblr-14250	1254	30	prevention	prevention	NOUN
cblr-14250	1254	31	.	.	PUNCT
cblr-14250	1255	1	what	what	PRON
cblr-14250	1255	2	the	the	DET
cblr-14250	1255	3	framework	framework	NOUN
cblr-14250	1255	4	provides	provide	VERB
cblr-14250	1255	5	is	be	AUX
cblr-14250	1255	6	the	the	DET
cblr-14250	1255	7	recognition	recognition	NOUN
cblr-14250	1255	8	that	that	SCONJ
cblr-14250	1255	9	supervisors	supervisor	NOUN
cblr-14250	1255	10	share	share	VERB
cblr-14250	1255	11	residual	residual	ADJ
cblr-14250	1255	12	risk	risk	NOUN
cblr-14250	1255	13	management	management	NOUN
cblr-14250	1255	14	with	with	ADP
cblr-14250	1255	15	the	the	DET
cblr-14250	1255	16	private	private	ADJ
cblr-14250	1255	17	sector	sector	NOUN
cblr-14250	1255	18	.	.	PUNCT
cblr-14250	1256	1	if	if	SCONJ
cblr-14250	1256	2	private	private	ADJ
cblr-14250	1256	3	banks	bank	NOUN
cblr-14250	1256	4	are	be	AUX
cblr-14250	1256	5	paying	pay	VERB
cblr-14250	1256	6	attention	attention	NOUN
cblr-14250	1256	7	to	to	ADP
cblr-14250	1256	8	climate	climate	NOUN
cblr-14250	1256	9	risk	risk	NOUN
cblr-14250	1256	10	–	–	PUNCT
cblr-14250	1256	11	and	and	CCONJ
cblr-14250	1256	12	they	they	PRON
cblr-14250	1256	13	are	be	AUX
cblr-14250	1256	14	,	,	PUNCT
cblr-14250	1256	15	increasingly	increasingly	ADV
cblr-14250	1256	16	,	,	PUNCT
cblr-14250	1256	17	and	and	CCONJ
cblr-14250	1256	18	to	to	ADP
cblr-14250	1256	19	an	an	DET
cblr-14250	1256	20	overwhelming	overwhelming	ADJ
cblr-14250	1256	21	extent	extent	NOUN
cblr-14250	1256	22	–	–	PUNCT
cblr-14250	1256	23	then	then	ADV
cblr-14250	1256	24	bank	bank	NOUN
cblr-14250	1256	25	supervisors	supervisor	NOUN
cblr-14250	1256	26	must	must	AUX
cblr-14250	1256	27	follow.211	follow.211	VERB
cblr-14250	1256	28	while	while	SCONJ
cblr-14250	1256	29	the	the	DET
cblr-14250	1256	30	politics	politic	NOUN
cblr-14250	1256	31	of	of	ADP
cblr-14250	1256	32	climate	climate	NOUN
cblr-14250	1256	33	change	change	NOUN
cblr-14250	1256	34	are	be	AUX
cblr-14250	1256	35	far	far	ADV
cblr-14250	1256	36	from	from	ADP
cblr-14250	1256	37	resolved	resolve	VERB
cblr-14250	1256	38	,	,	PUNCT
cblr-14250	1256	39	recognizing	recognize	VERB
cblr-14250	1256	40	bank	bank	NOUN
cblr-14250	1256	41	supervisors	supervisor	NOUN
cblr-14250	1256	42	as	as	ADP
cblr-14250	1256	43	the	the	DET
cblr-14250	1256	44	government	government	NOUN
cblr-14250	1256	45	’s	’s	PART
cblr-14250	1256	46	agents	agent	NOUN
cblr-14250	1256	47	in	in	ADP
cblr-14250	1256	48	the	the	DET
cblr-14250	1256	49	financial	financial	ADJ
cblr-14250	1256	50	system	system	NOUN
cblr-14250	1256	51	authorized	authorize	VERB
cblr-14250	1256	52	to	to	PART
cblr-14250	1256	53	use	use	VERB
cblr-14250	1256	54	their	their	PRON
cblr-14250	1256	55	discretion	discretion	NOUN
cblr-14250	1256	56	to	to	PART
cblr-14250	1256	57	manage	manage	VERB
cblr-14250	1256	58	all	all	DET
cblr-14250	1256	59	residual	residual	ADJ
cblr-14250	1256	60	risk	risk	NOUN
cblr-14250	1256	61	suggests	suggest	VERB
cblr-14250	1256	62	that	that	SCONJ
cblr-14250	1256	63	those	those	PRON
cblr-14250	1256	64	who	who	PRON
cblr-14250	1256	65	have	have	AUX
cblr-14250	1256	66	opposed	oppose	VERB
cblr-14250	1256	67	bank	bank	NOUN
cblr-14250	1256	68	supervisory	supervisory	ADJ
cblr-14250	1256	69	maneuvers	maneuver	NOUN
cblr-14250	1256	70	fight	fight	VERB
cblr-14250	1256	71	against	against	ADP
cblr-14250	1256	72	a	a	DET
cblr-14250	1256	73	system	system	NOUN
cblr-14250	1256	74	that	that	PRON
cblr-14250	1256	75	is	be	AUX
cblr-14250	1256	76	already	already	ADV
cblr-14250	1256	77	well	well	ADV
cblr-14250	1256	78	entrenched	entrench	VERB
cblr-14250	1256	79	.	.	PUNCT
cblr-14250	1257	1	in	in	ADP
cblr-14250	1257	2	this	this	DET
cblr-14250	1257	3	sense	sense	NOUN
cblr-14250	1257	4	,	,	PUNCT
cblr-14250	1257	5	whether	whether	SCONJ
cblr-14250	1257	6	congress	congress	PROPN
cblr-14250	1257	7	specifically	specifically	ADV
cblr-14250	1257	8	legislates	legislate	VERB
cblr-14250	1257	9	to	to	PART
cblr-14250	1257	10	encourage	encourage	VERB
cblr-14250	1257	11	supervision	supervision	NOUN
cblr-14250	1257	12	to	to	PART
cblr-14250	1257	13	expand	expand	VERB
cblr-14250	1257	14	further	far	ADV
cblr-14250	1257	15	into	into	ADP
cblr-14250	1257	16	climate	climate	NOUN
cblr-14250	1257	17	change	change	NOUN
cblr-14250	1257	18	prevention	prevention	NOUN
cblr-14250	1257	19	and	and	CCONJ
cblr-14250	1257	20	remediation	remediation	NOUN
cblr-14250	1257	21	is	be	AUX
cblr-14250	1257	22	almost	almost	ADV
cblr-14250	1257	23	immaterial	immaterial	ADJ
cblr-14250	1257	24	.	.	PUNCT
cblr-14250	1258	1	a	a	DET
cblr-14250	1258	2	well	well	ADV
cblr-14250	1258	3	-	-	PUNCT
cblr-14250	1258	4	motivated	motivate	VERB
cblr-14250	1258	5	bank	bank	NOUN
cblr-14250	1258	6	supervisor	supervisor	NOUN
cblr-14250	1258	7	can	can	AUX
cblr-14250	1258	8	already	already	ADV
cblr-14250	1258	9	begin	begin	VERB
cblr-14250	1258	10	this	this	DET
cblr-14250	1258	11	work	work	NOUN
cblr-14250	1258	12	;	;	PUNCT
cblr-14250	1258	13	all	all	DET
cblr-14250	1258	14	bank	bank	NOUN
cblr-14250	1258	15	supervisors	supervisor	NOUN
cblr-14250	1258	16	,	,	PUNCT
cblr-14250	1258	17	no	no	ADV
cblr-14250	1258	18	matter	matter	ADV
cblr-14250	1258	19	their	their	PRON
cblr-14250	1258	20	motivation	motivation	NOUN
cblr-14250	1258	21	,	,	PUNCT
cblr-14250	1258	22	will	will	AUX
cblr-14250	1258	23	bear	bear	VERB
cblr-14250	1258	24	the	the	DET
cblr-14250	1258	25	responsibility	responsibility	NOUN
cblr-14250	1258	26	for	for	ADP
cblr-14250	1258	27	crises	crisis	NOUN
cblr-14250	1258	28	that	that	PRON
cblr-14250	1258	29	follow	follow	VERB
cblr-14250	1258	30	for	for	ADP
cblr-14250	1258	31	mismanaged	mismanage	VERB
cblr-14250	1258	32	risk	risk	NOUN
cblr-14250	1258	33	.	.	PUNCT
cblr-14250	1259	1	at	at	ADP
cblr-14250	1259	2	the	the	DET
cblr-14250	1259	3	same	same	ADJ
cblr-14250	1259	4	time	time	NOUN
cblr-14250	1259	5	,	,	PUNCT
cblr-14250	1259	6	the	the	DET
cblr-14250	1259	7	historical	historical	ADJ
cblr-14250	1259	8	experience	experience	NOUN
cblr-14250	1259	9	of	of	ADP
cblr-14250	1259	10	bank	bank	NOUN
cblr-14250	1259	11	supervision	supervision	NOUN
cblr-14250	1259	12	also	also	ADV
cblr-14250	1259	13	suggests	suggest	VERB
cblr-14250	1259	14	that	that	SCONJ
cblr-14250	1259	15	certain	certain	ADJ
cblr-14250	1259	16	approaches	approach	NOUN
cblr-14250	1259	17	that	that	PRON
cblr-14250	1259	18	seek	seek	VERB
cblr-14250	1259	19	to	to	PART
cblr-14250	1259	20	harness	harness	VERB
cblr-14250	1259	21	the	the	DET
cblr-14250	1259	22	bank	bank	NOUN
cblr-14250	1259	23	supervisory	supervisory	ADJ
cblr-14250	1259	24	system	system	NOUN
cblr-14250	1259	25	to	to	PART
cblr-14250	1259	26	advance	advance	VERB
cblr-14250	1259	27	climate	climate	NOUN
cblr-14250	1259	28	goals	goal	NOUN
cblr-14250	1259	29	may	may	AUX
cblr-14250	1259	30	be	be	AUX
cblr-14250	1259	31	less	less	ADV
cblr-14250	1259	32	effective	effective	ADJ
cblr-14250	1259	33	than	than	SCONJ
cblr-14250	1259	34	advocates	advocate	NOUN
cblr-14250	1259	35	suppose	suppose	VERB
cblr-14250	1259	36	.	.	PUNCT
cblr-14250	1260	1	legislation	legislation	NOUN
cblr-14250	1260	2	which	which	PRON
cblr-14250	1260	3	seeks	seek	VERB
cblr-14250	1260	4	to	to	PART
cblr-14250	1260	5	use	use	VERB
cblr-14250	1260	6	supervisors	supervisor	NOUN
cblr-14250	1260	7	in	in	ADP
cblr-14250	1260	8	a	a	DET
cblr-14250	1260	9	regime	regime	NOUN
cblr-14250	1260	10	that	that	PRON
cblr-14250	1260	11	addresses	address	VERB
cblr-14250	1260	12	climate	climate	VERB
cblr-14250	1260	13	risk	risk	NOUN
cblr-14250	1260	14	by	by	ADP
cblr-14250	1260	15	punishing	punish	VERB
cblr-14250	1260	16	banks	bank	NOUN
cblr-14250	1260	17	that	that	PRON
cblr-14250	1260	18	do	do	AUX
cblr-14250	1260	19	not	not	PART
cblr-14250	1260	20	comply	comply	VERB
cblr-14250	1260	21	with	with	ADP
cblr-14250	1260	22	congressional	congressional	ADJ
cblr-14250	1260	23	policy	policy	NOUN
cblr-14250	1260	24	goals	goal	NOUN
cblr-14250	1260	25	may	may	AUX
cblr-14250	1260	26	create	create	VERB
cblr-14250	1260	27	a	a	DET
cblr-14250	1260	28	conflict	conflict	NOUN
cblr-14250	1260	29	of	of	ADP
cblr-14250	1260	30	supervisory	supervisory	ADJ
cblr-14250	1260	31	prerogatives	prerogative	NOUN
cblr-14250	1260	32	.	.	PUNCT
cblr-14250	1261	1	like	like	ADP
cblr-14250	1261	2	consumer	consumer	NOUN
cblr-14250	1261	3	protection	protection	NOUN
cblr-14250	1261	4	and	and	CCONJ
cblr-14250	1261	5	antidiscrimination	antidiscrimination	NOUN
cblr-14250	1261	6	,	,	PUNCT
cblr-14250	1261	7	examiners	examiner	NOUN
cblr-14250	1261	8	may	may	AUX
cblr-14250	1261	9	prioritize	prioritize	VERB
cblr-14250	1261	10	safety	safety	NOUN
cblr-14250	1261	11	and	and	CCONJ
cblr-14250	1261	12	soundness	soundness	NOUN
cblr-14250	1261	13	over	over	ADP
cblr-14250	1261	14	all	all	PRON
cblr-14250	1261	15	else	else	ADV
cblr-14250	1261	16	,	,	PUNCT
cblr-14250	1261	17	giving	give	VERB
cblr-14250	1261	18	them	they	PRON
cblr-14250	1261	19	an	an	DET
cblr-14250	1261	20	opportunity	opportunity	NOUN
cblr-14250	1261	21	to	to	PART
cblr-14250	1261	22	“	"	PUNCT
cblr-14250	1261	23	ignore	ignore	VERB
cblr-14250	1261	24	”	"	PUNCT
cblr-14250	1261	25	one	one	NUM
cblr-14250	1261	26	congressional	congressional	ADJ
cblr-14250	1261	27	edict	edict	NOUN
cblr-14250	1261	28	in	in	ADP
cblr-14250	1261	29	the	the	DET
cblr-14250	1261	30	name	name	NOUN
cblr-14250	1261	31	of	of	ADP
cblr-14250	1261	32	honoring	honor	VERB
cblr-14250	1261	33	another	another	PRON
cblr-14250	1261	34	.	.	PUNCT
cblr-14250	1262	1	211	211	NUM
cblr-14250	1262	2	see	see	VERB
cblr-14250	1262	3	daniel	daniel	PROPN
cblr-14250	1262	4	beltran	beltran	PROPN
cblr-14250	1262	5	et	et	PROPN
cblr-14250	1262	6	al	al	PROPN
cblr-14250	1262	7	.	.	PROPN
cblr-14250	1262	8	,	,	PUNCT
cblr-14250	1262	9	what	what	PRON
cblr-14250	1262	10	are	be	AUX
cblr-14250	1262	11	large	large	ADJ
cblr-14250	1262	12	global	global	ADJ
cblr-14250	1262	13	banks	bank	NOUN
cblr-14250	1262	14	doing	do	VERB
cblr-14250	1262	15	about	about	ADP
cblr-14250	1262	16	climate	climate	NOUN
cblr-14250	1262	17	change	change	NOUN
cblr-14250	1262	18	?	?	PUNCT
cblr-14250	1263	1	(	(	PUNCT
cblr-14250	1263	2	int’l	int’l	NUM
cblr-14250	1263	3	fin	fin	NOUN
cblr-14250	1263	4	.	.	PUNCT
cblr-14250	1264	1	discussion	discussion	NOUN
cblr-14250	1264	2	papers	paper	NOUN
cblr-14250	1264	3	,	,	PUNCT
cblr-14250	1264	4	paper	paper	NOUN
cblr-14250	1264	5	no	no	NOUN
cblr-14250	1264	6	.	.	PROPN
cblr-14250	1264	7	1368	1368	NUM
cblr-14250	1264	8	,	,	PUNCT
cblr-14250	1264	9	2023	2023	NUM
cblr-14250	1264	10	)	)	PUNCT
cblr-14250	1264	11	,	,	PUNCT
cblr-14250	1264	12	https://www.federalreserve.gov/econres/ifdp/what-are-large-global-banks	https://www.federalreserve.gov/econres/ifdp/what-are-large-global-banks	X
cblr-14250	1264	13	doing-about-climate-change.htm	doing-about-climate-change.htm	PROPN
cblr-14250	1265	1	[	[	X
cblr-14250	1265	2	https://perma.cc/tul9-6l2j	https://perma.cc/tul9-6l2j	X
cblr-14250	1265	3	]	]	SYM
cblr-14250	1265	4	.	.	PROPN
cblr-14250	1266	1	220	220	NUM
cblr-14250	1266	2	columbia	columbia	PROPN
cblr-14250	1266	3	business	business	NOUN
cblr-14250	1266	4	law	law	PROPN
cblr-14250	1266	5	review	review	NOUN
cblr-14250	1266	6	[	[	X
cblr-14250	1266	7	vol	vol	NOUN
cblr-14250	1266	8	.	.	PUNCT
cblr-14250	1266	9	2025	2025	NUM
cblr-14250	1266	10	b.	b.	PROPN
cblr-14250	1266	11	bank	bank	PROPN
cblr-14250	1266	12	merger	merger	NOUN
cblr-14250	1266	13	policy	policy	NOUN
cblr-14250	1266	14	in	in	ADP
cblr-14250	1266	15	the	the	DET
cblr-14250	1266	16	twenty	twenty	NUM
cblr-14250	1266	17	-	-	PUNCT
cblr-14250	1266	18	first	first	ADJ
cblr-14250	1266	19	century	century	NOUN
cblr-14250	1266	20	a	a	DET
cblr-14250	1266	21	growing	grow	VERB
cblr-14250	1266	22	chorus	chorus	NOUN
cblr-14250	1266	23	of	of	ADP
cblr-14250	1266	24	scholars	scholar	NOUN
cblr-14250	1266	25	and	and	CCONJ
cblr-14250	1266	26	policymakers	policymaker	NOUN
cblr-14250	1266	27	–	–	PUNCT
cblr-14250	1266	28	and	and	CCONJ
cblr-14250	1266	29	in	in	ADP
cblr-14250	1266	30	some	some	DET
cblr-14250	1266	31	cases	case	NOUN
cblr-14250	1266	32	,	,	PUNCT
cblr-14250	1266	33	scholarsturned	scholarsturne	VERB
cblr-14250	1266	34	-	-	PUNCT
cblr-14250	1266	35	policymakers	policymaker	NOUN
cblr-14250	1266	36	–	–	PUNCT
cblr-14250	1266	37	have	have	AUX
cblr-14250	1266	38	invited	invite	VERB
cblr-14250	1266	39	a	a	DET
cblr-14250	1266	40	reexamination	reexamination	NOUN
cblr-14250	1266	41	of	of	ADP
cblr-14250	1266	42	antitrust	antitrust	ADJ
cblr-14250	1266	43	policy	policy	NOUN
cblr-14250	1266	44	in	in	ADP
cblr-14250	1266	45	the	the	DET
cblr-14250	1266	46	twenty	twenty	NUM
cblr-14250	1266	47	-	-	PUNCT
cblr-14250	1266	48	first	first	NOUN
cblr-14250	1266	49	century.212	century.212	ADV
cblr-14250	1266	50	the	the	DET
cblr-14250	1266	51	basic	basic	ADJ
cblr-14250	1266	52	insight	insight	NOUN
cblr-14250	1266	53	is	be	AUX
cblr-14250	1266	54	that	that	SCONJ
cblr-14250	1266	55	historical	historical	ADJ
cblr-14250	1266	56	programs	program	NOUN
cblr-14250	1266	57	of	of	ADP
cblr-14250	1266	58	antitrust	antitrust	ADJ
cblr-14250	1266	59	enforcement	enforcement	NOUN
cblr-14250	1266	60	arising	arise	VERB
cblr-14250	1266	61	in	in	ADP
cblr-14250	1266	62	the	the	DET
cblr-14250	1266	63	1960s	1960	NOUN
cblr-14250	1266	64	that	that	PRON
cblr-14250	1266	65	focused	focus	VERB
cblr-14250	1266	66	on	on	ADP
cblr-14250	1266	67	consumer	consumer	NOUN
cblr-14250	1266	68	welfare	welfare	NOUN
cblr-14250	1266	69	as	as	SCONJ
cblr-14250	1266	70	the	the	DET
cblr-14250	1266	71	only	only	ADJ
cblr-14250	1266	72	meaningful	meaningful	ADJ
cblr-14250	1266	73	category	category	NOUN
cblr-14250	1266	74	of	of	ADP
cblr-14250	1266	75	consequence	consequence	NOUN
cblr-14250	1266	76	were	be	AUX
cblr-14250	1266	77	wrong	wrong	ADJ
cblr-14250	1266	78	.	.	PUNCT
cblr-14250	1267	1	more	more	ADV
cblr-14250	1267	2	important	important	ADJ
cblr-14250	1267	3	,	,	PUNCT
cblr-14250	1267	4	these	these	DET
cblr-14250	1267	5	scholars	scholar	NOUN
cblr-14250	1267	6	argue	argue	VERB
cblr-14250	1267	7	,	,	PUNCT
cblr-14250	1267	8	is	be	AUX
cblr-14250	1267	9	to	to	PART
cblr-14250	1267	10	understand	understand	VERB
cblr-14250	1267	11	that	that	SCONJ
cblr-14250	1267	12	“	"	PUNCT
cblr-14250	1267	13	a	a	DET
cblr-14250	1267	14	company	company	NOUN
cblr-14250	1267	15	’s	’s	PART
cblr-14250	1267	16	power	power	NOUN
cblr-14250	1267	17	and	and	CCONJ
cblr-14250	1267	18	the	the	DET
cblr-14250	1267	19	potential	potential	ADJ
cblr-14250	1267	20	anticompetitive	anticompetitive	ADJ
cblr-14250	1267	21	nature	nature	NOUN
cblr-14250	1267	22	of	of	ADP
cblr-14250	1267	23	that	that	DET
cblr-14250	1267	24	power	power	NOUN
cblr-14250	1267	25	can	can	AUX
cblr-14250	1267	26	not	not	PART
cblr-14250	1267	27	be	be	AUX
cblr-14250	1267	28	fully	fully	ADV
cblr-14250	1267	29	understood	understand	VERB
cblr-14250	1267	30	without	without	ADP
cblr-14250	1267	31	looking	look	VERB
cblr-14250	1267	32	to	to	ADP
cblr-14250	1267	33	the	the	DET
cblr-14250	1267	34	structure	structure	NOUN
cblr-14250	1267	35	of	of	ADP
cblr-14250	1267	36	a	a	DET
cblr-14250	1267	37	business	business	NOUN
cblr-14250	1267	38	and	and	CCONJ
cblr-14250	1267	39	the	the	DET
cblr-14250	1267	40	structural	structural	ADJ
cblr-14250	1267	41	role	role	NOUN
cblr-14250	1267	42	it	it	PRON
cblr-14250	1267	43	plays	play	VERB
cblr-14250	1267	44	in	in	ADP
cblr-14250	1267	45	markets	market	NOUN
cblr-14250	1267	46	.	.	PUNCT
cblr-14250	1267	47	”213	”213	NOUN
cblr-14250	1267	48	in	in	ADP
cblr-14250	1267	49	banking	banking	NOUN
cblr-14250	1267	50	,	,	PUNCT
cblr-14250	1267	51	this	this	DET
cblr-14250	1267	52	antitrust	antitrust	ADJ
cblr-14250	1267	53	ethos	ethos	NOUN
cblr-14250	1267	54	has	have	AUX
cblr-14250	1267	55	entered	enter	VERB
cblr-14250	1267	56	scholarly	scholarly	ADJ
cblr-14250	1267	57	discourse	discourse	NOUN
cblr-14250	1267	58	,	,	PUNCT
cblr-14250	1267	59	too.214	too.214	ADJ
cblr-14250	1267	60	in	in	ADP
cblr-14250	1267	61	banking	banking	NOUN
cblr-14250	1267	62	and	and	CCONJ
cblr-14250	1267	63	finance	finance	NOUN
cblr-14250	1267	64	,	,	PUNCT
cblr-14250	1267	65	there	there	PRON
cblr-14250	1267	66	has	have	AUX
cblr-14250	1267	67	been	be	AUX
cblr-14250	1267	68	bipartisan	bipartisan	ADJ
cblr-14250	1267	69	enthusiasm	enthusiasm	NOUN
cblr-14250	1267	70	for	for	ADP
cblr-14250	1267	71	this	this	DET
cblr-14250	1267	72	approach	approach	NOUN
cblr-14250	1267	73	.	.	PUNCT
cblr-14250	1268	1	for	for	ADP
cblr-14250	1268	2	example	example	NOUN
cblr-14250	1268	3	,	,	PUNCT
cblr-14250	1268	4	the	the	DET
cblr-14250	1268	5	day	day	NOUN
cblr-14250	1268	6	after	after	ADP
cblr-14250	1268	7	the	the	DET
cblr-14250	1268	8	2020	2020	NUM
cblr-14250	1268	9	presidential	presidential	ADJ
cblr-14250	1268	10	election	election	NOUN
cblr-14250	1268	11	,	,	PUNCT
cblr-14250	1268	12	the	the	DET
cblr-14250	1268	13	trump	trump	NOUN
cblr-14250	1268	14	administration	administration	NOUN
cblr-14250	1268	15	’s	’s	PART
cblr-14250	1268	16	doj	doj	PROPN
cblr-14250	1268	17	sued	sue	VERB
cblr-14250	1268	18	visa	visa	NOUN
cblr-14250	1268	19	to	to	PART
cblr-14250	1268	20	block	block	VERB
cblr-14250	1268	21	the	the	DET
cblr-14250	1268	22	acquisition	acquisition	NOUN
cblr-14250	1268	23	of	of	ADP
cblr-14250	1268	24	tech	tech	NOUN
cblr-14250	1268	25	startup	startup	NOUN
cblr-14250	1268	26	plaid.215	plaid.215	VERB
cblr-14250	1268	27	furthermore	furthermore	ADV
cblr-14250	1268	28	,	,	PUNCT
cblr-14250	1268	29	in	in	ADP
cblr-14250	1268	30	july	july	PROPN
cblr-14250	1268	31	2021	2021	NUM
cblr-14250	1268	32	,	,	PUNCT
cblr-14250	1268	33	president	president	NOUN
cblr-14250	1268	34	joe	joe	PROPN
cblr-14250	1268	35	biden	biden	PROPN
cblr-14250	1268	36	issued	issue	VERB
cblr-14250	1268	37	an	an	DET
cblr-14250	1268	38	executive	executive	ADJ
cblr-14250	1268	39	order	order	NOUN
cblr-14250	1268	40	stating	state	VERB
cblr-14250	1268	41	the	the	DET
cblr-14250	1268	42	policy	policy	NOUN
cblr-14250	1268	43	of	of	ADP
cblr-14250	1268	44	the	the	DET
cblr-14250	1268	45	administration	administration	NOUN
cblr-14250	1268	46	to	to	PART
cblr-14250	1268	47	“	"	PUNCT
cblr-14250	1268	48	to	to	PART
cblr-14250	1268	49	enforce	enforce	VERB
cblr-14250	1268	50	the	the	DET
cblr-14250	1268	51	antitrust	antitrust	ADJ
cblr-14250	1268	52	laws	law	NOUN
cblr-14250	1268	53	to	to	PART
cblr-14250	1268	54	combat	combat	VERB
cblr-14250	1268	55	the	the	DET
cblr-14250	1268	56	excessive	excessive	ADJ
cblr-14250	1268	57	concentration	concentration	NOUN
cblr-14250	1268	58	of	of	ADP
cblr-14250	1268	59	industry	industry	NOUN
cblr-14250	1268	60	,	,	PUNCT
cblr-14250	1268	61	the	the	DET
cblr-14250	1268	62	abuses	abuse	NOUN
cblr-14250	1268	63	of	of	ADP
cblr-14250	1268	64	market	market	NOUN
cblr-14250	1268	65	power	power	NOUN
cblr-14250	1268	66	,	,	PUNCT
cblr-14250	1268	67	and	and	CCONJ
cblr-14250	1268	68	the	the	DET
cblr-14250	1268	69	harmful	harmful	ADJ
cblr-14250	1268	70	effects	effect	NOUN
cblr-14250	1268	71	of	of	ADP
cblr-14250	1268	72	monopoly	monopoly	NOUN
cblr-14250	1268	73	and	and	CCONJ
cblr-14250	1268	74	monopsony	monopsony	NOUN
cblr-14250	1268	75	.	.	PUNCT
cblr-14250	1268	76	”216	”216	NOUN
cblr-14250	1268	77	in	in	ADP
cblr-14250	1268	78	the	the	DET
cblr-14250	1268	79	same	same	ADJ
cblr-14250	1268	80	order	order	NOUN
cblr-14250	1268	81	,	,	PUNCT
cblr-14250	1268	82	he	he	PRON
cblr-14250	1268	83	instructed	instruct	VERB
cblr-14250	1268	84	the	the	DET
cblr-14250	1268	85	doj	doj	PROPN
cblr-14250	1268	86	,	,	PUNCT
cblr-14250	1268	87	federal	federal	PROPN
cblr-14250	1268	88	reserve	reserve	PROPN
cblr-14250	1268	89	,	,	PUNCT
cblr-14250	1268	90	fdic	fdic	PROPN
cblr-14250	1268	91	,	,	PUNCT
cblr-14250	1268	92	212	212	NUM
cblr-14250	1268	93	see	see	VERB
cblr-14250	1268	94	tim	tim	PROPN
cblr-14250	1268	95	wu	wu	PROPN
cblr-14250	1268	96	,	,	PUNCT
cblr-14250	1268	97	the	the	DET
cblr-14250	1268	98	curse	curse	NOUN
cblr-14250	1268	99	of	of	ADP
cblr-14250	1268	100	bigness	bigness	ADV
cblr-14250	1268	101	:	:	PUNCT
cblr-14250	1268	102	antitrust	antitrust	ADJ
cblr-14250	1268	103	in	in	ADP
cblr-14250	1268	104	the	the	DET
cblr-14250	1268	105	new	new	ADJ
cblr-14250	1268	106	gilded	gild	VERB
cblr-14250	1268	107	age	age	NOUN
cblr-14250	1268	108	(	(	PUNCT
cblr-14250	1268	109	2018	2018	NUM
cblr-14250	1268	110	)	)	PUNCT
cblr-14250	1268	111	;	;	PUNCT
cblr-14250	1268	112	lina	lina	PROPN
cblr-14250	1268	113	m.	m.	PROPN
cblr-14250	1268	114	khan	khan	PROPN
cblr-14250	1268	115	,	,	PUNCT
cblr-14250	1268	116	amazon	amazon	PROPN
cblr-14250	1268	117	’s	’s	PART
cblr-14250	1268	118	antitrust	antitrust	ADJ
cblr-14250	1268	119	paradox	paradox	NOUN
cblr-14250	1268	120	,	,	PUNCT
cblr-14250	1268	121	126	126	NUM
cblr-14250	1268	122	yale	yale	PROPN
cblr-14250	1268	123	l.j	l.j	PROPN
cblr-14250	1268	124	.	.	PROPN
cblr-14250	1268	125	710	710	NUM
cblr-14250	1268	126	(	(	PUNCT
cblr-14250	1268	127	2016	2016	NUM
cblr-14250	1268	128	)	)	PUNCT
cblr-14250	1268	129	.	.	PUNCT
cblr-14250	1269	1	213	213	NUM
cblr-14250	1269	2	khan	khan	PROPN
cblr-14250	1269	3	,	,	PUNCT
cblr-14250	1269	4	supra	supra	PROPN
cblr-14250	1269	5	note	note	NOUN
cblr-14250	1269	6	212	212	NUM
cblr-14250	1269	7	,	,	PUNCT
cblr-14250	1269	8	at	at	ADP
cblr-14250	1269	9	717	717	NUM
cblr-14250	1269	10	.	.	PUNCT
cblr-14250	1270	1	214	214	NUM
cblr-14250	1270	2	see	see	VERB
cblr-14250	1270	3	jeremy	jeremy	PROPN
cblr-14250	1270	4	kress	kress	PROPN
cblr-14250	1270	5	,	,	PUNCT
cblr-14250	1270	6	modernizing	modernize	VERB
cblr-14250	1270	7	bank	bank	NOUN
cblr-14250	1270	8	merger	merger	PROPN
cblr-14250	1270	9	review	review	NOUN
cblr-14250	1270	10	,	,	PUNCT
cblr-14250	1270	11	37	37	NUM
cblr-14250	1270	12	yale	yale	PROPN
cblr-14250	1270	13	l.j	l.j	PROPN
cblr-14250	1270	14	.	.	PROPN
cblr-14250	1270	15	435	435	NUM
cblr-14250	1270	16	(	(	PUNCT
cblr-14250	1270	17	2020	2020	NUM
cblr-14250	1270	18	)	)	PUNCT
cblr-14250	1270	19	.	.	PUNCT
cblr-14250	1271	1	tim	tim	PROPN
cblr-14250	1271	2	wu	wu	PROPN
cblr-14250	1271	3	,	,	PUNCT
cblr-14250	1271	4	lina	lina	PROPN
cblr-14250	1271	5	khan	khan	PROPN
cblr-14250	1271	6	,	,	PUNCT
cblr-14250	1271	7	and	and	CCONJ
cblr-14250	1271	8	jeremy	jeremy	PROPN
cblr-14250	1271	9	kress	kress	PROPN
cblr-14250	1271	10	have	have	AUX
cblr-14250	1271	11	all	all	PRON
cblr-14250	1271	12	joined	join	VERB
cblr-14250	1271	13	the	the	DET
cblr-14250	1271	14	biden	biden	PROPN
cblr-14250	1271	15	administration	administration	NOUN
cblr-14250	1271	16	in	in	ADP
cblr-14250	1271	17	various	various	ADJ
cblr-14250	1271	18	capacities	capacity	NOUN
cblr-14250	1271	19	(	(	PUNCT
cblr-14250	1271	20	wu	wu	PROPN
cblr-14250	1271	21	as	as	ADP
cblr-14250	1271	22	deputy	deputy	NOUN
cblr-14250	1271	23	director	director	NOUN
cblr-14250	1271	24	of	of	ADP
cblr-14250	1271	25	the	the	DET
cblr-14250	1271	26	white	white	PROPN
cblr-14250	1271	27	house	house	PROPN
cblr-14250	1271	28	’s	’s	PART
cblr-14250	1271	29	national	national	PROPN
cblr-14250	1271	30	economic	economic	PROPN
cblr-14250	1271	31	council	council	PROPN
cblr-14250	1271	32	,	,	PUNCT
cblr-14250	1271	33	khan	khan	PROPN
cblr-14250	1271	34	as	as	ADP
cblr-14250	1271	35	chair	chair	NOUN
cblr-14250	1271	36	of	of	ADP
cblr-14250	1271	37	the	the	DET
cblr-14250	1271	38	federal	federal	PROPN
cblr-14250	1271	39	trade	trade	PROPN
cblr-14250	1271	40	commission	commission	PROPN
cblr-14250	1271	41	,	,	PUNCT
cblr-14250	1271	42	and	and	CCONJ
cblr-14250	1271	43	kress	kress	PROPN
cblr-14250	1271	44	as	as	ADP
cblr-14250	1271	45	special	special	ADJ
cblr-14250	1271	46	advisor	advisor	NOUN
cblr-14250	1271	47	to	to	ADP
cblr-14250	1271	48	the	the	DET
cblr-14250	1271	49	assistant	assistant	NOUN
cblr-14250	1271	50	attorney	attorney	NOUN
cblr-14250	1271	51	general	general	NOUN
cblr-14250	1271	52	for	for	ADP
cblr-14250	1271	53	antitrust	antitrust	NOUN
cblr-14250	1271	54	at	at	ADP
cblr-14250	1271	55	the	the	DET
cblr-14250	1271	56	department	department	PROPN
cblr-14250	1271	57	of	of	ADP
cblr-14250	1271	58	justice	justice	PROPN
cblr-14250	1271	59	)	)	PUNCT
cblr-14250	1271	60	.	.	PUNCT
cblr-14250	1272	1	215	215	NUM
cblr-14250	1272	2	press	press	NOUN
cblr-14250	1272	3	release	release	NOUN
cblr-14250	1272	4	,	,	PUNCT
cblr-14250	1272	5	u.s	u.s	PROPN
cblr-14250	1272	6	.	.	PROPN
cblr-14250	1272	7	dep’t	dep’t	NOUN
cblr-14250	1272	8	of	of	ADP
cblr-14250	1272	9	just	just	ADV
cblr-14250	1272	10	.	.	PUNCT
cblr-14250	1272	11	,	,	PUNCT
cblr-14250	1272	12	justice	justice	PROPN
cblr-14250	1272	13	department	department	PROPN
cblr-14250	1272	14	sues	sue	VERB
cblr-14250	1272	15	to	to	PART
cblr-14250	1272	16	block	block	VERB
cblr-14250	1272	17	visa	visa	NOUN
cblr-14250	1272	18	’s	’s	PART
cblr-14250	1272	19	proposed	propose	VERB
cblr-14250	1272	20	acquisition	acquisition	NOUN
cblr-14250	1272	21	of	of	ADP
cblr-14250	1272	22	plaid	plaid	NOUN
cblr-14250	1272	23	(	(	PUNCT
cblr-14250	1272	24	nov	nov	PROPN
cblr-14250	1272	25	.	.	PROPN
cblr-14250	1272	26	5	5	NUM
cblr-14250	1272	27	,	,	PUNCT
cblr-14250	1272	28	2020	2020	NUM
cblr-14250	1272	29	)	)	PUNCT
cblr-14250	1272	30	,	,	PUNCT
cblr-14250	1272	31	https://www.justice.gov/archives/opa/pr/justice-department-sues-blockvisas-proposed-acquisition-plaid	https://www.justice.gov/archives/opa/pr/justice-department-sues-blockvisas-proposed-acquisition-plaid	X
cblr-14250	1273	1	[	[	X
cblr-14250	1273	2	https://perma.cc/x3sj-b38z	https://perma.cc/x3sj-b38z	NOUN
cblr-14250	1273	3	]	]	X
cblr-14250	1273	4	.	.	PUNCT
cblr-14250	1274	1	216	216	NUM
cblr-14250	1274	2	exec	exec	NOUN
cblr-14250	1274	3	.	.	PUNCT
cblr-14250	1275	1	order	order	NOUN
cblr-14250	1276	1	no	no	INTJ
cblr-14250	1276	2	.	.	NOUN
cblr-14250	1276	3	14,036	14,036	NUM
cblr-14250	1276	4	,	,	PUNCT
cblr-14250	1276	5	86	86	NUM
cblr-14250	1276	6	fed	fed	PROPN
cblr-14250	1276	7	.	.	PUNCT
cblr-14250	1277	1	reg	reg	PROPN
cblr-14250	1277	2	.	.	PUNCT
cblr-14250	1278	1	36,987	36,987	NUM
cblr-14250	1278	2	(	(	PUNCT
cblr-14250	1278	3	july	july	PROPN
cblr-14250	1278	4	14	14	NUM
cblr-14250	1278	5	,	,	PUNCT
cblr-14250	1278	6	2021	2021	NUM
cblr-14250	1278	7	)	)	PUNCT
cblr-14250	1278	8	.	.	PUNCT
cblr-14250	1279	1	no	no	INTJ
cblr-14250	1279	2	.	.	NOUN
cblr-14250	1279	3	1	1	NUM
cblr-14250	1279	4	]	]	PUNCT
cblr-14250	1279	5	risk	risk	NOUN
cblr-14250	1279	6	,	,	PUNCT
cblr-14250	1279	7	discretion	discretion	NOUN
cblr-14250	1279	8	,	,	PUNCT
cblr-14250	1279	9	and	and	CCONJ
cblr-14250	1279	10	bank	bank	NOUN
cblr-14250	1279	11	supervision	supervision	NOUN
cblr-14250	1279	12	221	221	NUM
cblr-14250	1279	13	and	and	CCONJ
cblr-14250	1279	14	occ	occ	X
cblr-14250	1279	15	to	to	PART
cblr-14250	1279	16	“	"	PUNCT
cblr-14250	1279	17	review	review	VERB
cblr-14250	1279	18	current	current	ADJ
cblr-14250	1279	19	practices	practice	NOUN
cblr-14250	1279	20	and	and	CCONJ
cblr-14250	1279	21	adopt	adopt	VERB
cblr-14250	1279	22	a	a	DET
cblr-14250	1279	23	plan	plan	NOUN
cblr-14250	1279	24	.	.	PUNCT
cblr-14250	1279	25	.	.	PUNCT
cblr-14250	1279	26	.	.	PUNCT
cblr-14250	1280	1	for	for	ADP
cblr-14250	1280	2	the	the	DET
cblr-14250	1280	3	revitalization	revitalization	NOUN
cblr-14250	1280	4	of	of	ADP
cblr-14250	1280	5	[	[	X
cblr-14250	1280	6	bank	bank	X
cblr-14250	1280	7	]	]	PUNCT
cblr-14250	1280	8	merger	merger	NOUN
cblr-14250	1280	9	oversight	oversight	NOUN
cblr-14250	1280	10	.	.	PUNCT
cblr-14250	1280	11	”217	”217	PUNCT
cblr-14250	1280	12	banking	banking	NOUN
cblr-14250	1280	13	antitrust	antitrust	NOUN
cblr-14250	1280	14	has	have	AUX
cblr-14250	1280	15	,	,	PUNCT
cblr-14250	1280	16	as	as	SCONJ
cblr-14250	1280	17	noted	note	VERB
cblr-14250	1280	18	above	above	ADV
cblr-14250	1280	19	,	,	PUNCT
cblr-14250	1280	20	has	have	AUX
cblr-14250	1280	21	long	long	ADV
cblr-14250	1280	22	been	be	AUX
cblr-14250	1280	23	a	a	DET
cblr-14250	1280	24	confused	confused	ADJ
cblr-14250	1280	25	and	and	CCONJ
cblr-14250	1280	26	confusing	confusing	ADJ
cblr-14250	1280	27	subfield	subfield	NOUN
cblr-14250	1280	28	given	give	VERB
cblr-14250	1280	29	the	the	DET
cblr-14250	1280	30	different	different	ADJ
cblr-14250	1280	31	supervisory	supervisory	ADJ
cblr-14250	1280	32	priorities	priority	NOUN
cblr-14250	1280	33	that	that	PRON
cblr-14250	1280	34	different	different	ADJ
cblr-14250	1280	35	governmental	governmental	ADJ
cblr-14250	1280	36	actors	actor	NOUN
cblr-14250	1280	37	might	might	AUX
cblr-14250	1280	38	place	place	VERB
cblr-14250	1280	39	upon	upon	SCONJ
cblr-14250	1280	40	it	it	PRON
cblr-14250	1280	41	.	.	PUNCT
cblr-14250	1281	1	this	this	DET
cblr-14250	1281	2	complexity	complexity	NOUN
cblr-14250	1281	3	remains	remain	VERB
cblr-14250	1281	4	unchanged	unchanged	ADJ
cblr-14250	1281	5	.	.	PUNCT
cblr-14250	1282	1	the	the	DET
cblr-14250	1282	2	banking	banking	NOUN
cblr-14250	1282	3	crisis	crisis	NOUN
cblr-14250	1282	4	of	of	ADP
cblr-14250	1282	5	2023	2023	NUM
cblr-14250	1282	6	highlights	highlight	NOUN
cblr-14250	1282	7	this	this	DET
cblr-14250	1282	8	tension	tension	NOUN
cblr-14250	1282	9	further	far	ADV
cblr-14250	1282	10	.	.	PUNCT
cblr-14250	1283	1	as	as	SCONJ
cblr-14250	1283	2	silicon	silicon	PROPN
cblr-14250	1283	3	valley	valley	PROPN
cblr-14250	1283	4	bank	bank	PROPN
cblr-14250	1283	5	barreled	barrel	VERB
cblr-14250	1283	6	toward	toward	ADP
cblr-14250	1283	7	its	its	PRON
cblr-14250	1283	8	government	government	NOUN
cblr-14250	1283	9	-	-	PUNCT
cblr-14250	1283	10	assisted	assist	VERB
cblr-14250	1283	11	crash	crash	NOUN
cblr-14250	1283	12	—	—	PUNCT
cblr-14250	1283	13	the	the	DET
cblr-14250	1283	14	second	second	ADV
cblr-14250	1283	15	-	-	PUNCT
cblr-14250	1283	16	largest	large	ADJ
cblr-14250	1283	17	bank	bank	NOUN
cblr-14250	1283	18	failure	failure	NOUN
cblr-14250	1283	19	in	in	ADP
cblr-14250	1283	20	u.s	u.s	PROPN
cblr-14250	1283	21	.	.	PROPN
cblr-14250	1283	22	history	history	NOUN
cblr-14250	1283	23	—	—	PUNCT
cblr-14250	1283	24	the	the	DET
cblr-14250	1283	25	government	government	NOUN
cblr-14250	1283	26	scrambled	scramble	VERB
cblr-14250	1283	27	to	to	PART
cblr-14250	1283	28	find	find	VERB
cblr-14250	1283	29	a	a	DET
cblr-14250	1283	30	suitable	suitable	ADJ
cblr-14250	1283	31	partner	partner	NOUN
cblr-14250	1283	32	to	to	PART
cblr-14250	1283	33	acquire	acquire	VERB
cblr-14250	1283	34	the	the	DET
cblr-14250	1283	35	bank	bank	NOUN
cblr-14250	1283	36	,	,	PUNCT
cblr-14250	1283	37	imposing	impose	VERB
cblr-14250	1283	38	conditions	condition	NOUN
cblr-14250	1283	39	on	on	ADP
cblr-14250	1283	40	the	the	DET
cblr-14250	1283	41	very	very	ADJ
cblr-14250	1283	42	banks	bank	NOUN
cblr-14250	1283	43	that	that	PRON
cblr-14250	1283	44	were	be	AUX
cblr-14250	1283	45	qualified	qualified	ADJ
cblr-14250	1283	46	to	to	PART
cblr-14250	1283	47	take	take	VERB
cblr-14250	1283	48	over	over	ADP
cblr-14250	1283	49	.	.	PUNCT
cblr-14250	1284	1	meanwhile	meanwhile	ADV
cblr-14250	1284	2	in	in	ADP
cblr-14250	1284	3	international	international	ADJ
cblr-14250	1284	4	contexts	contexts	NOUN
cblr-14250	1284	5	,	,	PUNCT
cblr-14250	1284	6	credit	credit	NOUN
cblr-14250	1284	7	suisse	suisse	PROPN
cblr-14250	1284	8	,	,	PUNCT
cblr-14250	1284	9	the	the	DET
cblr-14250	1284	10	second	second	ADV
cblr-14250	1284	11	-	-	PUNCT
cblr-14250	1284	12	largest	large	ADJ
cblr-14250	1284	13	bank	bank	NOUN
cblr-14250	1284	14	in	in	ADP
cblr-14250	1284	15	switzerland	switzerland	PROPN
cblr-14250	1284	16	,	,	PUNCT
cblr-14250	1284	17	was	be	AUX
cblr-14250	1284	18	acquired	acquire	VERB
cblr-14250	1284	19	following	follow	VERB
cblr-14250	1284	20	its	its	PRON
cblr-14250	1284	21	march	march	PROPN
cblr-14250	1284	22	2023	2023	NUM
cblr-14250	1284	23	failure	failure	NOUN
cblr-14250	1284	24	by	by	ADP
cblr-14250	1284	25	the	the	DET
cblr-14250	1284	26	largest	large	ADJ
cblr-14250	1284	27	bank	bank	NOUN
cblr-14250	1284	28	in	in	ADP
cblr-14250	1284	29	switzerland	switzerland	PROPN
cblr-14250	1284	30	,	,	PUNCT
cblr-14250	1284	31	ubs	ubs	PROPN
cblr-14250	1284	32	;	;	PUNCT
cblr-14250	1284	33	both	both	DET
cblr-14250	1284	34	swiss	swiss	ADJ
cblr-14250	1284	35	banks	bank	NOUN
cblr-14250	1284	36	were	be	AUX
cblr-14250	1284	37	considered	consider	VERB
cblr-14250	1284	38	global	global	ADJ
cblr-14250	1284	39	systemically	systemically	ADV
cblr-14250	1284	40	important	important	ADJ
cblr-14250	1284	41	banks	bank	NOUN
cblr-14250	1284	42	.	.	PUNCT
cblr-14250	1285	1	risk	risk	NOUN
cblr-14250	1285	2	-	-	PUNCT
cblr-14250	1285	3	and	and	CCONJ
cblr-14250	1285	4	-	-	PUNCT
cblr-14250	1285	5	discretion	discretion	NOUN
cblr-14250	1285	6	bank	bank	NOUN
cblr-14250	1285	7	supervision	supervision	NOUN
cblr-14250	1285	8	provides	provide	VERB
cblr-14250	1285	9	precisely	precisely	ADV
cblr-14250	1285	10	this	this	DET
cblr-14250	1285	11	kind	kind	NOUN
cblr-14250	1285	12	of	of	ADP
cblr-14250	1285	13	flexibility	flexibility	NOUN
cblr-14250	1285	14	to	to	PART
cblr-14250	1285	15	choose	choose	VERB
cblr-14250	1285	16	or	or	CCONJ
cblr-14250	1285	17	invoke	invoke	VERB
cblr-14250	1285	18	problems	problem	NOUN
cblr-14250	1285	19	or	or	CCONJ
cblr-14250	1285	20	solutions	solution	NOUN
cblr-14250	1285	21	with	with	ADP
cblr-14250	1285	22	bank	bank	NOUN
cblr-14250	1285	23	concentration	concentration	NOUN
cblr-14250	1285	24	,	,	PUNCT
cblr-14250	1285	25	as	as	SCONJ
cblr-14250	1285	26	the	the	DET
cblr-14250	1285	27	circumstances	circumstance	NOUN
cblr-14250	1285	28	permit	permit	VERB
cblr-14250	1285	29	when	when	SCONJ
cblr-14250	1285	30	bank	bank	NOUN
cblr-14250	1285	31	lobbyists	lobbyist	NOUN
cblr-14250	1285	32	advance	advance	VERB
cblr-14250	1285	33	the	the	DET
cblr-14250	1285	34	argument	argument	NOUN
cblr-14250	1285	35	that	that	SCONJ
cblr-14250	1285	36	economies	economy	NOUN
cblr-14250	1285	37	of	of	ADP
cblr-14250	1285	38	scale	scale	NOUN
cblr-14250	1285	39	from	from	ADP
cblr-14250	1285	40	bank	bank	NOUN
cblr-14250	1285	41	concentration	concentration	NOUN
cblr-14250	1285	42	justify	justify	VERB
cblr-14250	1285	43	a	a	DET
cblr-14250	1285	44	consumer	consumer	NOUN
cblr-14250	1285	45	welfare	welfare	NOUN
cblr-14250	1285	46	approach	approach	NOUN
cblr-14250	1285	47	—	—	PUNCT
cblr-14250	1285	48	permitting	permit	VERB
cblr-14250	1285	49	nearly	nearly	ADV
cblr-14250	1285	50	every	every	PRON
cblr-14250	1285	51	proposed	propose	VERB
cblr-14250	1285	52	banking	banking	NOUN
cblr-14250	1285	53	merger	merger	NOUN
cblr-14250	1285	54	—	—	PUNCT
cblr-14250	1285	55	they	they	PRON
cblr-14250	1285	56	ignore	ignore	VERB
cblr-14250	1285	57	decades	decade	NOUN
cblr-14250	1285	58	of	of	ADP
cblr-14250	1285	59	evidence	evidence	NOUN
cblr-14250	1285	60	indicating	indicate	VERB
cblr-14250	1285	61	that	that	SCONJ
cblr-14250	1285	62	bank	bank	NOUN
cblr-14250	1285	63	merger	merger	NOUN
cblr-14250	1285	64	policy	policy	NOUN
cblr-14250	1285	65	operates	operate	VERB
cblr-14250	1285	66	differently	differently	ADV
cblr-14250	1285	67	.	.	PUNCT
cblr-14250	1286	1	the	the	DET
cblr-14250	1286	2	same	same	ADJ
cblr-14250	1286	3	tendency	tendency	NOUN
cblr-14250	1286	4	to	to	PART
cblr-14250	1286	5	overlook	overlook	VERB
cblr-14250	1286	6	historical	historical	ADJ
cblr-14250	1286	7	evidence	evidence	NOUN
cblr-14250	1286	8	applies	apply	VERB
cblr-14250	1286	9	when	when	SCONJ
cblr-14250	1286	10	neo	neo	NOUN
cblr-14250	1286	11	-	-	ADJ
cblr-14250	1286	12	brandeisian	brandeisian	ADJ
cblr-14250	1286	13	critics	critic	NOUN
cblr-14250	1286	14	advocate	advocate	VERB
cblr-14250	1286	15	for	for	ADP
cblr-14250	1286	16	blocking	block	VERB
cblr-14250	1286	17	mergers	merger	NOUN
cblr-14250	1286	18	solely	solely	ADV
cblr-14250	1286	19	based	base	VERB
cblr-14250	1286	20	on	on	ADP
cblr-14250	1286	21	concentration	concentration	NOUN
cblr-14250	1286	22	,	,	PUNCT
cblr-14250	1286	23	regardless	regardless	ADV
cblr-14250	1286	24	of	of	ADP
cblr-14250	1286	25	potential	potential	ADJ
cblr-14250	1286	26	benefits	benefit	NOUN
cblr-14250	1286	27	.	.	PUNCT
cblr-14250	1287	1	the	the	DET
cblr-14250	1287	2	reality	reality	NOUN
cblr-14250	1287	3	for	for	ADP
cblr-14250	1287	4	bank	bank	NOUN
cblr-14250	1287	5	merger	merger	NOUN
cblr-14250	1287	6	policy	policy	NOUN
cblr-14250	1287	7	is	be	AUX
cblr-14250	1287	8	that	that	SCONJ
cblr-14250	1287	9	supervision	supervision	NOUN
cblr-14250	1287	10	facilitates	facilitate	VERB
cblr-14250	1287	11	any	any	DET
cblr-14250	1287	12	vision	vision	NOUN
cblr-14250	1287	13	for	for	ADP
cblr-14250	1287	14	merger	merger	NOUN
cblr-14250	1287	15	policy	policy	NOUN
cblr-14250	1287	16	.	.	PUNCT
cblr-14250	1288	1	the	the	DET
cblr-14250	1288	2	law	law	NOUN
cblr-14250	1288	3	is	be	AUX
cblr-14250	1288	4	too	too	ADV
cblr-14250	1288	5	broad	broad	ADJ
cblr-14250	1288	6	and	and	CCONJ
cblr-14250	1288	7	supervisory	supervisory	ADJ
cblr-14250	1288	8	discretion	discretion	NOUN
cblr-14250	1288	9	too	too	ADV
cblr-14250	1288	10	capacious	capacious	ADJ
cblr-14250	1288	11	to	to	PART
cblr-14250	1288	12	limit	limit	VERB
cblr-14250	1288	13	it	it	PRON
cblr-14250	1288	14	.	.	PUNCT
cblr-14250	1289	1	this	this	DET
cblr-14250	1289	2	breadth	breadth	NOUN
cblr-14250	1289	3	illustrates	illustrate	VERB
cblr-14250	1289	4	here	here	ADV
cblr-14250	1289	5	,	,	PUNCT
cblr-14250	1289	6	as	as	ADP
cblr-14250	1289	7	elsewhere	elsewhere	ADV
cblr-14250	1289	8	,	,	PUNCT
cblr-14250	1289	9	why	why	SCONJ
cblr-14250	1289	10	the	the	DET
cblr-14250	1289	11	personnel	personnel	NOUN
cblr-14250	1289	12	selected	select	VERB
cblr-14250	1289	13	to	to	PART
cblr-14250	1289	14	lead	lead	VERB
cblr-14250	1289	15	supervisory	supervisory	ADJ
cblr-14250	1289	16	functions	function	NOUN
cblr-14250	1289	17	are	be	AUX
cblr-14250	1289	18	so	so	ADV
cblr-14250	1289	19	enormously	enormously	ADV
cblr-14250	1289	20	important	important	ADJ
cblr-14250	1289	21	.	.	PUNCT
cblr-14250	1290	1	a	a	DET
cblr-14250	1290	2	chief	chief	ADJ
cblr-14250	1290	3	supervisor	supervisor	NOUN
cblr-14250	1290	4	of	of	ADP
cblr-14250	1290	5	a	a	DET
cblr-14250	1290	6	federal	federal	ADJ
cblr-14250	1290	7	banking	banking	NOUN
cblr-14250	1290	8	agency	agency	NOUN
cblr-14250	1290	9	can	can	AUX
cblr-14250	1290	10	accomplish	accomplish	VERB
cblr-14250	1290	11	a	a	DET
cblr-14250	1290	12	wide	wide	ADJ
cblr-14250	1290	13	array	array	NOUN
cblr-14250	1290	14	of	of	ADP
cblr-14250	1290	15	conflicting	conflicting	ADJ
cblr-14250	1290	16	goals	goal	NOUN
cblr-14250	1290	17	across	across	ADP
cblr-14250	1290	18	administrations	administration	NOUN
cblr-14250	1290	19	,	,	PUNCT
cblr-14250	1290	20	depending	depend	VERB
cblr-14250	1290	21	entirely	entirely	ADV
cblr-14250	1290	22	on	on	ADP
cblr-14250	1290	23	their	their	PRON
cblr-14250	1290	24	own	own	ADJ
cblr-14250	1290	25	balance	balance	NOUN
cblr-14250	1290	26	of	of	ADP
cblr-14250	1290	27	competing	compete	VERB
cblr-14250	1290	28	priorities	priority	NOUN
cblr-14250	1290	29	.	.	PUNCT
cblr-14250	1291	1	217	217	NUM
cblr-14250	1292	1	i	i	PRON
cblr-14250	1292	2	d.	d.	PROPN
cblr-14250	1292	3	222	222	NUM
cblr-14250	1292	4	columbia	columbia	PROPN
cblr-14250	1292	5	business	business	NOUN
cblr-14250	1292	6	law	law	PROPN
cblr-14250	1292	7	review	review	NOUN
cblr-14250	1292	8	[	[	X
cblr-14250	1292	9	vol	vol	NOUN
cblr-14250	1292	10	.	.	PUNCT
cblr-14250	1292	11	2025	2025	NUM
cblr-14250	1292	12	c.	c.	PROPN
cblr-14250	1292	13	deposit	deposit	NOUN
cblr-14250	1292	14	insurance	insurance	NOUN
cblr-14250	1292	15	and	and	CCONJ
cblr-14250	1292	16	bank	bank	NOUN
cblr-14250	1292	17	supervision	supervision	NOUN
cblr-14250	1292	18	before	before	ADP
cblr-14250	1292	19	the	the	DET
cblr-14250	1292	20	2008	2008	NUM
cblr-14250	1292	21	financial	financial	ADJ
cblr-14250	1292	22	crisis	crisis	NOUN
cblr-14250	1292	23	,	,	PUNCT
cblr-14250	1292	24	scholars	scholar	NOUN
cblr-14250	1292	25	in	in	ADP
cblr-14250	1292	26	the	the	DET
cblr-14250	1292	27	united	united	PROPN
cblr-14250	1292	28	states	states	PROPN
cblr-14250	1292	29	long	long	ADV
cblr-14250	1292	30	thought	think	VERB
cblr-14250	1292	31	that	that	SCONJ
cblr-14250	1292	32	the	the	DET
cblr-14250	1292	33	problems	problem	NOUN
cblr-14250	1292	34	of	of	ADP
cblr-14250	1292	35	bank	bank	NOUN
cblr-14250	1292	36	runs	run	NOUN
cblr-14250	1292	37	had	have	AUX
cblr-14250	1292	38	been	be	AUX
cblr-14250	1292	39	solved	solve	VERB
cblr-14250	1292	40	by	by	ADP
cblr-14250	1292	41	the	the	DET
cblr-14250	1292	42	advent	advent	NOUN
cblr-14250	1292	43	of	of	ADP
cblr-14250	1292	44	deposit	deposit	NOUN
cblr-14250	1292	45	insurance.218	insurance.218	ADJ
cblr-14250	1292	46	other	other	ADJ
cblr-14250	1292	47	countries	country	NOUN
cblr-14250	1292	48	came	come	VERB
cblr-14250	1292	49	to	to	ADP
cblr-14250	1292	50	a	a	DET
cblr-14250	1292	51	similar	similar	ADJ
cblr-14250	1292	52	conclusion	conclusion	NOUN
cblr-14250	1292	53	.	.	PUNCT
cblr-14250	1293	1	for	for	ADP
cblr-14250	1293	2	example	example	NOUN
cblr-14250	1293	3	,	,	PUNCT
cblr-14250	1293	4	canada	canada	PROPN
cblr-14250	1293	5	established	establish	VERB
cblr-14250	1293	6	deposit	deposit	NOUN
cblr-14250	1293	7	insurance	insurance	NOUN
cblr-14250	1293	8	in	in	ADP
cblr-14250	1293	9	1967	1967	NUM
cblr-14250	1293	10	after	after	ADP
cblr-14250	1293	11	successfully	successfully	ADV
cblr-14250	1293	12	weathering	weather	VERB
cblr-14250	1293	13	the	the	DET
cblr-14250	1293	14	great	great	ADJ
cblr-14250	1293	15	depression	depression	NOUN
cblr-14250	1293	16	.	.	PUNCT
cblr-14250	1294	1	similarly	similarly	ADV
cblr-14250	1294	2	,	,	PUNCT
cblr-14250	1294	3	the	the	DET
cblr-14250	1294	4	united	united	PROPN
cblr-14250	1294	5	kingdom	kingdom	PROPN
cblr-14250	1294	6	shifted	shift	VERB
cblr-14250	1294	7	from	from	ADP
cblr-14250	1294	8	partial	partial	ADJ
cblr-14250	1294	9	to	to	ADP
cblr-14250	1294	10	full	full	ADJ
cblr-14250	1294	11	deposit	deposit	NOUN
cblr-14250	1294	12	insurance	insurance	NOUN
cblr-14250	1294	13	in	in	ADP
cblr-14250	1294	14	2009	2009	NUM
cblr-14250	1294	15	.	.	PUNCT
cblr-14250	1295	1	similarly	similarly	ADV
cblr-14250	1295	2	,	,	PUNCT
cblr-14250	1295	3	the	the	DET
cblr-14250	1295	4	united	united	ADJ
cblr-14250	1295	5	kingdom	kingdom	PROPN
cblr-14250	1295	6	,	,	PUNCT
cblr-14250	1295	7	which	which	PRON
cblr-14250	1295	8	had	have	VERB
cblr-14250	1295	9	a	a	DET
cblr-14250	1295	10	regime	regime	NOUN
cblr-14250	1295	11	of	of	ADP
cblr-14250	1295	12	partial	partial	ADJ
cblr-14250	1295	13	deposit	deposit	NOUN
cblr-14250	1295	14	insurance	insurance	NOUN
cblr-14250	1295	15	,	,	PUNCT
cblr-14250	1295	16	instituted	institute	VERB
cblr-14250	1295	17	full	full	ADJ
cblr-14250	1295	18	insurance	insurance	NOUN
cblr-14250	1295	19	in	in	ADP
cblr-14250	1295	20	2009	2009	NUM
cblr-14250	1295	21	.	.	PUNCT
cblr-14250	1296	1	the	the	DET
cblr-14250	1296	2	united	united	PROPN
cblr-14250	1296	3	states	states	PROPN
cblr-14250	1296	4	has	have	AUX
cblr-14250	1296	5	had	have	VERB
cblr-14250	1296	6	a	a	DET
cblr-14250	1296	7	long	long	ADJ
cblr-14250	1296	8	history	history	NOUN
cblr-14250	1296	9	of	of	ADP
cblr-14250	1296	10	gradual	gradual	ADJ
cblr-14250	1296	11	then	then	ADV
cblr-14250	1296	12	sudden	sudden	ADJ
cblr-14250	1296	13	expansions	expansion	NOUN
cblr-14250	1296	14	of	of	ADP
cblr-14250	1296	15	deposit	deposit	NOUN
cblr-14250	1296	16	insurance	insurance	NOUN
cblr-14250	1296	17	,	,	PUNCT
cblr-14250	1296	18	sometimes	sometimes	ADV
cblr-14250	1296	19	in	in	ADP
cblr-14250	1296	20	the	the	DET
cblr-14250	1296	21	face	face	NOUN
cblr-14250	1296	22	of	of	ADP
cblr-14250	1296	23	crisis	crisis	NOUN
cblr-14250	1296	24	and	and	CCONJ
cblr-14250	1296	25	often	often	ADV
cblr-14250	1296	26	in	in	ADP
cblr-14250	1296	27	response	response	NOUN
cblr-14250	1296	28	to	to	ADP
cblr-14250	1296	29	lobbying	lobby	VERB
cblr-14250	1296	30	from	from	ADP
cblr-14250	1296	31	banks.219	banks.219	NOUN
cblr-14250	1297	1	but	but	CCONJ
cblr-14250	1297	2	it	it	PRON
cblr-14250	1297	3	has	have	AUX
cblr-14250	1297	4	always	always	ADV
cblr-14250	1297	5	been	be	AUX
cblr-14250	1297	6	limited	limit	VERB
cblr-14250	1297	7	.	.	PUNCT
cblr-14250	1298	1	the	the	DET
cblr-14250	1298	2	original	original	ADJ
cblr-14250	1298	3	terms	term	NOUN
cblr-14250	1298	4	of	of	ADP
cblr-14250	1298	5	the	the	DET
cblr-14250	1298	6	glasssteagall	glasssteagall	PROPN
cblr-14250	1298	7	act	act	NOUN
cblr-14250	1298	8	of	of	ADP
cblr-14250	1298	9	1933	1933	NUM
cblr-14250	1298	10	were	be	AUX
cblr-14250	1298	11	to	to	PART
cblr-14250	1298	12	extend	extend	VERB
cblr-14250	1298	13	such	such	ADJ
cblr-14250	1298	14	insurance	insurance	NOUN
cblr-14250	1298	15	only	only	ADV
cblr-14250	1298	16	to	to	ADP
cblr-14250	1298	17	$	$	SYM
cblr-14250	1298	18	2,500	2,500	NUM
cblr-14250	1298	19	per	per	ADP
cblr-14250	1298	20	account	account	NOUN
cblr-14250	1298	21	.	.	PUNCT
cblr-14250	1299	1	two	two	NUM
cblr-14250	1299	2	years	year	NOUN
cblr-14250	1299	3	later	later	ADV
cblr-14250	1299	4	,	,	PUNCT
cblr-14250	1299	5	congress	congress	PROPN
cblr-14250	1299	6	expanded	expand	VERB
cblr-14250	1299	7	that	that	SCONJ
cblr-14250	1299	8	to	to	ADP
cblr-14250	1299	9	$	$	SYM
cblr-14250	1299	10	5,000	5,000	NUM
cblr-14250	1299	11	.	.	PUNCT
cblr-14250	1300	1	in	in	ADP
cblr-14250	1300	2	2008	2008	NUM
cblr-14250	1300	3	,	,	PUNCT
cblr-14250	1300	4	after	after	ADP
cblr-14250	1300	5	a	a	DET
cblr-14250	1300	6	run	run	NOUN
cblr-14250	1300	7	of	of	ADP
cblr-14250	1300	8	uninsured	uninsured	ADJ
cblr-14250	1300	9	depositors	depositor	NOUN
cblr-14250	1300	10	on	on	ADP
cblr-14250	1300	11	several	several	ADJ
cblr-14250	1300	12	institutions	institution	NOUN
cblr-14250	1300	13	,	,	PUNCT
cblr-14250	1300	14	congress	congress	PROPN
cblr-14250	1300	15	more	more	ADV
cblr-14250	1300	16	than	than	ADP
cblr-14250	1300	17	doubled	double	VERB
cblr-14250	1300	18	the	the	DET
cblr-14250	1300	19	$	$	SYM
cblr-14250	1300	20	100,000	100,000	NUM
cblr-14250	1300	21	level	level	NOUN
cblr-14250	1300	22	prevailing	prevail	VERB
cblr-14250	1300	23	since	since	SCONJ
cblr-14250	1300	24	1980	1980	NUM
cblr-14250	1300	25	to	to	ADP
cblr-14250	1300	26	$	$	SYM
cblr-14250	1300	27	250,000	250,000	NUM
cblr-14250	1300	28	.	.	PUNCT
cblr-14250	1301	1	in	in	ADP
cblr-14250	1301	2	the	the	DET
cblr-14250	1301	3	aftermath	aftermath	NOUN
cblr-14250	1301	4	of	of	ADP
cblr-14250	1301	5	the	the	DET
cblr-14250	1301	6	banking	banking	NOUN
cblr-14250	1301	7	crisis	crisis	NOUN
cblr-14250	1301	8	of	of	ADP
cblr-14250	1301	9	2023	2023	NUM
cblr-14250	1301	10	,	,	PUNCT
cblr-14250	1301	11	debates	debate	NOUN
cblr-14250	1301	12	rage	rage	VERB
cblr-14250	1301	13	anew	anew	ADV
cblr-14250	1301	14	about	about	ADP
cblr-14250	1301	15	whether	whether	SCONJ
cblr-14250	1301	16	to	to	PART
cblr-14250	1301	17	expand	expand	VERB
cblr-14250	1301	18	that	that	DET
cblr-14250	1301	19	insurance	insurance	NOUN
cblr-14250	1301	20	limit	limit	NOUN
cblr-14250	1301	21	or	or	CCONJ
cblr-14250	1301	22	even	even	ADV
cblr-14250	1301	23	to	to	PART
cblr-14250	1301	24	eliminate	eliminate	VERB
cblr-14250	1301	25	it	it	PRON
cblr-14250	1301	26	entirely.220	entirely.220	VERB
cblr-14250	1301	27	sometimes	sometimes	ADV
cblr-14250	1301	28	these	these	DET
cblr-14250	1301	29	calls	call	NOUN
cblr-14250	1301	30	come	come	VERB
cblr-14250	1301	31	to	to	PART
cblr-14250	1301	32	enhance	enhance	VERB
cblr-14250	1301	33	supervision	supervision	NOUN
cblr-14250	1301	34	to	to	PART
cblr-14250	1301	35	mitigate	mitigate	VERB
cblr-14250	1301	36	underpriced	underpriced	ADJ
cblr-14250	1301	37	insurance	insurance	NOUN
cblr-14250	1301	38	,	,	PUNCT
cblr-14250	1301	39	218	218	NUM
cblr-14250	1301	40	see	see	VERB
cblr-14250	1301	41	michael	michael	PROPN
cblr-14250	1301	42	d.	d.	PROPN
cblr-14250	1301	43	bordo	bordo	PROPN
cblr-14250	1301	44	,	,	PUNCT
cblr-14250	1301	45	the	the	DET
cblr-14250	1301	46	lender	lender	NOUN
cblr-14250	1301	47	of	of	ADP
cblr-14250	1301	48	last	last	ADJ
cblr-14250	1301	49	resort	resort	NOUN
cblr-14250	1301	50	:	:	PUNCT
cblr-14250	1301	51	some	some	DET
cblr-14250	1301	52	historical	historical	ADJ
cblr-14250	1301	53	insights	insight	NOUN
cblr-14250	1301	54	(	(	PUNCT
cblr-14250	1301	55	nat’l	nat’l	NUM
cblr-14250	1301	56	bureau	bureau	PROPN
cblr-14250	1301	57	of	of	ADP
cblr-14250	1301	58	econ	econ	PROPN
cblr-14250	1301	59	.	.	PUNCT
cblr-14250	1302	1	rsch	rsch	PROPN
cblr-14250	1302	2	.	.	PUNCT
cblr-14250	1303	1	working	working	NOUN
cblr-14250	1303	2	paper	paper	NOUN
cblr-14250	1303	3	no	no	INTJ
cblr-14250	1303	4	.	.	PUNCT
cblr-14250	1304	1	3011	3011	NUM
cblr-14250	1304	2	,	,	PUNCT
cblr-14250	1304	3	1989	1989	NUM
cblr-14250	1304	4	)	)	PUNCT
cblr-14250	1305	1	,	,	PUNCT
cblr-14250	1305	2	https://www.nber.org/system/files/working_papers/w3011/w3011.pdf	https://www.nber.org/system/files/working_papers/w3011/w3011.pdf	PROPN
cblr-14250	1305	3	[	[	X
cblr-14250	1305	4	https://perma.cc/9pks-azqp	https://perma.cc/9pks-azqp	PROPN
cblr-14250	1305	5	]	]	X
cblr-14250	1305	6	.	.	PUNCT
cblr-14250	1306	1	219	219	NUM
cblr-14250	1306	2	see	see	VERB
cblr-14250	1306	3	eugene	eugene	PROPN
cblr-14250	1306	4	n.	n.	PROPN
cblr-14250	1306	5	white	white	PROPN
cblr-14250	1306	6	,	,	PUNCT
cblr-14250	1306	7	deposit	deposit	NOUN
cblr-14250	1306	8	insurance	insurance	NOUN
cblr-14250	1306	9	(	(	PUNCT
cblr-14250	1306	10	world	world	NOUN
cblr-14250	1306	11	bank	bank	NOUN
cblr-14250	1306	12	pol’y	pol’y	NOUN
cblr-14250	1306	13	rsch	rsch	NOUN
cblr-14250	1306	14	.	.	PUNCT
cblr-14250	1307	1	working	working	NOUN
cblr-14250	1307	2	paper	paper	NOUN
cblr-14250	1307	3	no	no	NOUN
cblr-14250	1307	4	.	.	PROPN
cblr-14250	1307	5	1541	1541	NUM
cblr-14250	1307	6	,	,	PUNCT
cblr-14250	1307	7	1995	1995	NUM
cblr-14250	1307	8	)	)	PUNCT
cblr-14250	1308	1	,	,	PUNCT
cblr-14250	1308	2	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=569205	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=569205	PROPN
cblr-14250	1309	1	[	[	X
cblr-14250	1309	2	https://perma.cc/7jdd-lvnq	https://perma.cc/7jdd-lvnq	X
cblr-14250	1309	3	]	]	X
cblr-14250	1309	4	.	.	PUNCT
cblr-14250	1310	1	220	220	NUM
cblr-14250	1310	2	morgan	morgan	PROPN
cblr-14250	1310	3	ricks	ricks	PROPN
cblr-14250	1310	4	&	&	CCONJ
cblr-14250	1310	5	lev	lev	PROPN
cblr-14250	1310	6	menand	menand	PROPN
cblr-14250	1310	7	,	,	PUNCT
cblr-14250	1310	8	scrap	scrap	VERB
cblr-14250	1310	9	the	the	DET
cblr-14250	1310	10	bank	bank	NOUN
cblr-14250	1310	11	deposit	deposit	NOUN
cblr-14250	1310	12	insurance	insurance	NOUN
cblr-14250	1310	13	limit	limit	NOUN
cblr-14250	1310	14	,	,	PUNCT
cblr-14250	1310	15	wash	wash	NOUN
cblr-14250	1310	16	.	.	PUNCT
cblr-14250	1311	1	post	post	NOUN
cblr-14250	1311	2	(	(	PUNCT
cblr-14250	1311	3	mar	mar	PROPN
cblr-14250	1311	4	.	.	PROPN
cblr-14250	1311	5	15	15	NUM
cblr-14250	1311	6	,	,	PUNCT
cblr-14250	1311	7	2023	2023	NUM
cblr-14250	1311	8	)	)	PUNCT
cblr-14250	1311	9	,	,	PUNCT
cblr-14250	1311	10	https://www.washingtonpost.com/opinions/2023/03/15/silicon-valley-bankdeposit-bailout/.	https://www.washingtonpost.com/opinions/2023/03/15/silicon-valley-bankdeposit-bailout/.	VERB
cblr-14250	1311	11	no	no	INTJ
cblr-14250	1311	12	.	.	NOUN
cblr-14250	1311	13	1	1	NUM
cblr-14250	1311	14	]	]	PUNCT
cblr-14250	1311	15	risk	risk	NOUN
cblr-14250	1311	16	,	,	PUNCT
cblr-14250	1311	17	discretion	discretion	NOUN
cblr-14250	1311	18	,	,	PUNCT
cblr-14250	1311	19	and	and	CCONJ
cblr-14250	1311	20	bank	bank	NOUN
cblr-14250	1311	21	supervision	supervision	NOUN
cblr-14250	1311	22	223	223	NUM
cblr-14250	1311	23	sometimes	sometimes	ADV
cblr-14250	1311	24	they	they	PRON
cblr-14250	1311	25	come	come	VERB
cblr-14250	1311	26	with	with	ADP
cblr-14250	1311	27	no	no	DET
cblr-14250	1311	28	connection	connection	NOUN
cblr-14250	1311	29	to	to	ADP
cblr-14250	1311	30	bank	bank	NOUN
cblr-14250	1311	31	supervision	supervision	NOUN
cblr-14250	1311	32	at	at	ADP
cblr-14250	1311	33	all.221	all.221	ADP
cblr-14250	1311	34	the	the	DET
cblr-14250	1311	35	risk	risk	NOUN
cblr-14250	1311	36	-	-	PUNCT
cblr-14250	1311	37	and	and	CCONJ
cblr-14250	1311	38	-	-	PUNCT
cblr-14250	1311	39	discretion	discretion	NOUN
cblr-14250	1311	40	framework	framework	NOUN
cblr-14250	1311	41	has	have	VERB
cblr-14250	1311	42	much	much	ADJ
cblr-14250	1311	43	to	to	PART
cblr-14250	1311	44	offer	offer	VERB
cblr-14250	1311	45	this	this	DET
cblr-14250	1311	46	debate	debate	NOUN
cblr-14250	1311	47	.	.	PUNCT
cblr-14250	1312	1	the	the	DET
cblr-14250	1312	2	fdic	fdic	PROPN
cblr-14250	1312	3	was	be	AUX
cblr-14250	1312	4	created	create	VERB
cblr-14250	1312	5	alongside	alongside	ADP
cblr-14250	1312	6	deposit	deposit	NOUN
cblr-14250	1312	7	insurance	insurance	NOUN
cblr-14250	1312	8	as	as	ADP
cblr-14250	1312	9	the	the	DET
cblr-14250	1312	10	mechanism	mechanism	NOUN
cblr-14250	1312	11	to	to	PART
cblr-14250	1312	12	supervise	supervise	VERB
cblr-14250	1312	13	its	its	PRON
cblr-14250	1312	14	use	use	NOUN
cblr-14250	1312	15	.	.	PUNCT
cblr-14250	1313	1	this	this	PRON
cblr-14250	1313	2	created	create	VERB
cblr-14250	1313	3	a	a	DET
cblr-14250	1313	4	supervisory	supervisory	NOUN
cblr-14250	1313	5	ethos	ethos	VERB
cblr-14250	1313	6	keen	keen	ADJ
cblr-14250	1313	7	to	to	PART
cblr-14250	1313	8	protect	protect	VERB
cblr-14250	1313	9	the	the	DET
cblr-14250	1313	10	value	value	NOUN
cblr-14250	1313	11	of	of	ADP
cblr-14250	1313	12	the	the	DET
cblr-14250	1313	13	deposit	deposit	NOUN
cblr-14250	1313	14	insurance	insurance	NOUN
cblr-14250	1313	15	fund	fund	NOUN
cblr-14250	1313	16	,	,	PUNCT
cblr-14250	1313	17	the	the	DET
cblr-14250	1313	18	financial	financial	ADJ
cblr-14250	1313	19	mechanism	mechanism	NOUN
cblr-14250	1313	20	that	that	PRON
cblr-14250	1313	21	provides	provide	VERB
cblr-14250	1313	22	insurance	insurance	NOUN
cblr-14250	1313	23	payments	payment	NOUN
cblr-14250	1313	24	to	to	ADP
cblr-14250	1313	25	depositors	depositor	NOUN
cblr-14250	1313	26	in	in	ADP
cblr-14250	1313	27	the	the	DET
cblr-14250	1313	28	event	event	NOUN
cblr-14250	1313	29	of	of	ADP
cblr-14250	1313	30	bank	bank	NOUN
cblr-14250	1313	31	failure	failure	NOUN
cblr-14250	1313	32	.	.	PUNCT
cblr-14250	1314	1	the	the	DET
cblr-14250	1314	2	primary	primary	ADJ
cblr-14250	1314	3	mechanism	mechanism	NOUN
cblr-14250	1314	4	in	in	ADP
cblr-14250	1314	5	the	the	DET
cblr-14250	1314	6	deposit	deposit	NOUN
cblr-14250	1314	7	insurance	insurance	NOUN
cblr-14250	1314	8	system	system	NOUN
cblr-14250	1314	9	,	,	PUNCT
cblr-14250	1314	10	however	however	ADV
cblr-14250	1314	11	,	,	PUNCT
cblr-14250	1314	12	is	be	AUX
cblr-14250	1314	13	not	not	PART
cblr-14250	1314	14	consistently	consistently	ADV
cblr-14250	1314	15	supervisory	supervisory	ADJ
cblr-14250	1314	16	,	,	PUNCT
cblr-14250	1314	17	but	but	CCONJ
cblr-14250	1314	18	the	the	DET
cblr-14250	1314	19	fact	fact	NOUN
cblr-14250	1314	20	that	that	SCONJ
cblr-14250	1314	21	insurance	insurance	NOUN
cblr-14250	1314	22	is	be	AUX
cblr-14250	1314	23	priced	price	VERB
cblr-14250	1314	24	to	to	PART
cblr-14250	1314	25	compensate	compensate	VERB
cblr-14250	1314	26	the	the	DET
cblr-14250	1314	27	fund	fund	NOUN
cblr-14250	1314	28	in	in	ADP
cblr-14250	1314	29	case	case	NOUN
cblr-14250	1314	30	of	of	ADP
cblr-14250	1314	31	bank	bank	NOUN
cblr-14250	1314	32	failures	failure	NOUN
cblr-14250	1314	33	.	.	PUNCT
cblr-14250	1315	1	our	our	PRON
cblr-14250	1315	2	framework	framework	NOUN
cblr-14250	1315	3	suggests	suggest	VERB
cblr-14250	1315	4	that	that	SCONJ
cblr-14250	1315	5	efforts	effort	NOUN
cblr-14250	1315	6	to	to	PART
cblr-14250	1315	7	massively	massively	ADV
cblr-14250	1315	8	expand	expand	VERB
cblr-14250	1315	9	insurance	insurance	NOUN
cblr-14250	1315	10	will	will	AUX
cblr-14250	1315	11	not	not	PART
cblr-14250	1315	12	be	be	AUX
cblr-14250	1315	13	effective	effective	ADJ
cblr-14250	1315	14	,	,	PUNCT
cblr-14250	1315	15	given	give	VERB
cblr-14250	1315	16	a	a	DET
cblr-14250	1315	17	basic	basic	ADJ
cblr-14250	1315	18	asymmetry	asymmetry	NOUN
cblr-14250	1315	19	in	in	ADP
cblr-14250	1315	20	the	the	DET
cblr-14250	1315	21	system	system	NOUN
cblr-14250	1315	22	of	of	ADP
cblr-14250	1315	23	supervision	supervision	NOUN
cblr-14250	1315	24	and	and	CCONJ
cblr-14250	1315	25	public	public	ADJ
cblr-14250	1315	26	insurance	insurance	NOUN
cblr-14250	1315	27	pricing	pricing	NOUN
cblr-14250	1315	28	.	.	PUNCT
cblr-14250	1316	1	never	never	ADV
cblr-14250	1316	2	in	in	ADP
cblr-14250	1316	3	u.s	u.s	PROPN
cblr-14250	1316	4	.	.	PROPN
cblr-14250	1316	5	history	history	NOUN
cblr-14250	1316	6	has	have	AUX
cblr-14250	1316	7	deposit	deposit	NOUN
cblr-14250	1316	8	insurance	insurance	NOUN
cblr-14250	1316	9	been	be	AUX
cblr-14250	1316	10	lowered	lower	VERB
cblr-14250	1316	11	.	.	PUNCT
cblr-14250	1317	1	supervision	supervision	NOUN
cblr-14250	1317	2	as	as	SCONJ
cblr-14250	1317	3	discretion	discretion	NOUN
cblr-14250	1317	4	moves	move	VERB
cblr-14250	1317	5	cyclically	cyclically	ADV
cblr-14250	1317	6	.	.	PUNCT
cblr-14250	1318	1	what	what	PRON
cblr-14250	1318	2	is	be	AUX
cblr-14250	1318	3	more	more	ADJ
cblr-14250	1318	4	,	,	PUNCT
cblr-14250	1318	5	the	the	DET
cblr-14250	1318	6	pricing	pricing	NOUN
cblr-14250	1318	7	of	of	ADP
cblr-14250	1318	8	deposit	deposit	NOUN
cblr-14250	1318	9	insurance	insurance	NOUN
cblr-14250	1318	10	is	be	AUX
cblr-14250	1318	11	subject	subject	ADJ
cblr-14250	1318	12	to	to	ADP
cblr-14250	1318	13	relentless	relentless	ADJ
cblr-14250	1318	14	pressure	pressure	NOUN
cblr-14250	1318	15	to	to	PART
cblr-14250	1318	16	deregulate	deregulate	VERB
cblr-14250	1318	17	through	through	ADP
cblr-14250	1318	18	pricing	pricing	NOUN
cblr-14250	1318	19	strategies	strategy	NOUN
cblr-14250	1318	20	.	.	PUNCT
cblr-14250	1319	1	the	the	DET
cblr-14250	1319	2	residual	residual	ADJ
cblr-14250	1319	3	ownership	ownership	NOUN
cblr-14250	1319	4	of	of	ADP
cblr-14250	1319	5	risk	risk	NOUN
cblr-14250	1319	6	that	that	SCONJ
cblr-14250	1319	7	bank	bank	NOUN
cblr-14250	1319	8	supervisors	supervisor	NOUN
cblr-14250	1319	9	will	will	AUX
cblr-14250	1319	10	carry	carry	VERB
cblr-14250	1319	11	suggest	suggest	VERB
cblr-14250	1319	12	that	that	SCONJ
cblr-14250	1319	13	they	they	PRON
cblr-14250	1319	14	will	will	AUX
cblr-14250	1319	15	be	be	AUX
cblr-14250	1319	16	responsible	responsible	ADJ
cblr-14250	1319	17	for	for	ADP
cblr-14250	1319	18	failed	fail	VERB
cblr-14250	1319	19	bank	bank	NOUN
cblr-14250	1319	20	entities	entity	NOUN
cblr-14250	1319	21	,	,	PUNCT
cblr-14250	1319	22	regardless	regardless	ADV
cblr-14250	1319	23	of	of	ADP
cblr-14250	1319	24	whether	whether	SCONJ
cblr-14250	1319	25	they	they	PRON
cblr-14250	1319	26	have	have	AUX
cblr-14250	1319	27	the	the	DET
cblr-14250	1319	28	funds	fund	NOUN
cblr-14250	1319	29	to	to	PART
cblr-14250	1319	30	do	do	VERB
cblr-14250	1319	31	so	so	ADV
cblr-14250	1319	32	or	or	CCONJ
cblr-14250	1319	33	,	,	PUNCT
cblr-14250	1319	34	potentially	potentially	ADV
cblr-14250	1319	35	,	,	PUNCT
cblr-14250	1319	36	whether	whether	SCONJ
cblr-14250	1319	37	bank	bank	NOUN
cblr-14250	1319	38	or	or	CCONJ
cblr-14250	1319	39	bank	bank	NOUN
cblr-14250	1319	40	-	-	PUNCT
cblr-14250	1319	41	like	like	ADJ
cblr-14250	1319	42	entities	entity	NOUN
cblr-14250	1319	43	are	be	AUX
cblr-14250	1319	44	formally	formally	ADV
cblr-14250	1319	45	covered	cover	VERB
cblr-14250	1319	46	by	by	ADP
cblr-14250	1319	47	deposit	deposit	NOUN
cblr-14250	1319	48	insurance	insurance	NOUN
cblr-14250	1319	49	.	.	PUNCT
cblr-14250	1320	1	expanding	expand	VERB
cblr-14250	1320	2	deposit	deposit	NOUN
cblr-14250	1320	3	insurance	insurance	NOUN
cblr-14250	1320	4	in	in	ADP
cblr-14250	1320	5	the	the	DET
cblr-14250	1320	6	hopes	hope	NOUN
cblr-14250	1320	7	that	that	SCONJ
cblr-14250	1320	8	there	there	PRON
cblr-14250	1320	9	will	will	AUX
cblr-14250	1320	10	be	be	AUX
cblr-14250	1320	11	commensurate	commensurate	ADJ
cblr-14250	1320	12	expansions	expansion	NOUN
cblr-14250	1320	13	in	in	ADP
cblr-14250	1320	14	supervision	supervision	NOUN
cblr-14250	1320	15	is	be	AUX
cblr-14250	1320	16	therefore	therefore	ADV
cblr-14250	1320	17	unlikely	unlikely	ADJ
cblr-14250	1320	18	to	to	PART
cblr-14250	1320	19	occur	occur	VERB
cblr-14250	1320	20	.	.	PUNCT
cblr-14250	1321	1	conclusion	conclusion	NOUN
cblr-14250	1321	2	this	this	DET
cblr-14250	1321	3	article	article	NOUN
cblr-14250	1321	4	presents	present	VERB
cblr-14250	1321	5	a	a	DET
cblr-14250	1321	6	new	new	ADJ
cblr-14250	1321	7	framework	framework	NOUN
cblr-14250	1321	8	for	for	ADP
cblr-14250	1321	9	conceptualizing	conceptualize	VERB
cblr-14250	1321	10	bank	bank	NOUN
cblr-14250	1321	11	supervision	supervision	NOUN
cblr-14250	1321	12	,	,	PUNCT
cblr-14250	1321	13	a	a	DET
cblr-14250	1321	14	unique	unique	ADJ
cblr-14250	1321	15	and	and	CCONJ
cblr-14250	1321	16	vital	vital	ADJ
cblr-14250	1321	17	part	part	NOUN
cblr-14250	1321	18	of	of	ADP
cblr-14250	1321	19	both	both	PRON
cblr-14250	1321	20	state	state	NOUN
cblr-14250	1321	21	capacity	capacity	NOUN
cblr-14250	1321	22	and	and	CCONJ
cblr-14250	1321	23	financial	financial	ADJ
cblr-14250	1321	24	markets	market	NOUN
cblr-14250	1321	25	.	.	PUNCT
cblr-14250	1322	1	we	we	PRON
cblr-14250	1322	2	argue	argue	VERB
cblr-14250	1322	3	that	that	SCONJ
cblr-14250	1322	4	the	the	DET
cblr-14250	1322	5	fundamental	fundamental	ADJ
cblr-14250	1322	6	responsibility	responsibility	NOUN
cblr-14250	1322	7	of	of	ADP
cblr-14250	1322	8	supervisors	supervisor	NOUN
cblr-14250	1322	9	is	be	AUX
cblr-14250	1322	10	to	to	PART
cblr-14250	1322	11	negotiate	negotiate	VERB
cblr-14250	1322	12	:	:	PUNCT
cblr-14250	1322	13	to	to	PART
cblr-14250	1322	14	negotiate	negotiate	VERB
cblr-14250	1322	15	the	the	DET
cblr-14250	1322	16	joint	joint	ADJ
cblr-14250	1322	17	responsibility	responsibility	NOUN
cblr-14250	1322	18	of	of	ADP
cblr-14250	1322	19	residual	residual	ADJ
cblr-14250	1322	20	risk	risk	NOUN
cblr-14250	1322	21	management	management	NOUN
cblr-14250	1322	22	221	221	NUM
cblr-14250	1322	23	david	david	PROPN
cblr-14250	1322	24	wessel	wessel	PROPN
cblr-14250	1322	25	,	,	PUNCT
cblr-14250	1322	26	a	a	DET
cblr-14250	1322	27	debate	debate	NOUN
cblr-14250	1322	28	:	:	PUNCT
cblr-14250	1322	29	should	should	AUX
cblr-14250	1322	30	the	the	DET
cblr-14250	1322	31	us	us	PROPN
cblr-14250	1322	32	raise	raise	VERB
cblr-14250	1322	33	the	the	DET
cblr-14250	1322	34	$	$	SYM
cblr-14250	1322	35	250,000	250,000	NUM
cblr-14250	1322	36	ceiling	ceiling	NOUN
cblr-14250	1322	37	on	on	ADP
cblr-14250	1322	38	deposit	deposit	NOUN
cblr-14250	1322	39	insurance	insurance	NOUN
cblr-14250	1322	40	?	?	PUNCT
cblr-14250	1322	41	,	,	PUNCT
cblr-14250	1322	42	brookings	brookings	PROPN
cblr-14250	1322	43	inst	inst	PROPN
cblr-14250	1322	44	.	.	PUNCT
cblr-14250	1323	1	(	(	PUNCT
cblr-14250	1323	2	may	may	PROPN
cblr-14250	1323	3	2	2	NUM
cblr-14250	1323	4	,	,	PUNCT
cblr-14250	1323	5	2023	2023	NUM
cblr-14250	1323	6	)	)	PUNCT
cblr-14250	1323	7	,	,	PUNCT
cblr-14250	1323	8	https://www.brookings.edu/articles/a-debate-should-u-s-raise-the-250000ceiling-on-deposit-insurance/	https://www.brookings.edu/articles/a-debate-should-u-s-raise-the-250000ceiling-on-deposit-insurance/	VERB
cblr-14250	1324	1	[	[	X
cblr-14250	1324	2	https://perma.cc/xec3-tjcl	https://perma.cc/xec3-tjcl	NUM
cblr-14250	1324	3	]	]	PUNCT
cblr-14250	1324	4	.	.	PUNCT
cblr-14250	1325	1	224	224	NUM
cblr-14250	1325	2	columbia	columbia	PROPN
cblr-14250	1325	3	business	business	NOUN
cblr-14250	1325	4	law	law	PROPN
cblr-14250	1325	5	review	review	NOUN
cblr-14250	1325	6	[	[	X
cblr-14250	1325	7	vol	vol	NOUN
cblr-14250	1325	8	.	.	PUNCT
cblr-14250	1325	9	2025	2025	NUM
cblr-14250	1325	10	with	with	ADP
cblr-14250	1325	11	the	the	DET
cblr-14250	1325	12	banks	bank	NOUN
cblr-14250	1325	13	they	they	PRON
cblr-14250	1325	14	supervise	supervise	VERB
cblr-14250	1325	15	and	and	CCONJ
cblr-14250	1325	16	to	to	PART
cblr-14250	1325	17	negotiate	negotiate	VERB
cblr-14250	1325	18	between	between	ADP
cblr-14250	1325	19	and	and	CCONJ
cblr-14250	1325	20	among	among	ADP
cblr-14250	1325	21	the	the	DET
cblr-14250	1325	22	boundaries	boundary	NOUN
cblr-14250	1325	23	of	of	ADP
cblr-14250	1325	24	different	different	ADJ
cblr-14250	1325	25	approaches	approach	NOUN
cblr-14250	1325	26	to	to	ADP
cblr-14250	1325	27	bank	bank	NOUN
cblr-14250	1325	28	supervision	supervision	NOUN
cblr-14250	1325	29	that	that	PRON
cblr-14250	1325	30	history	history	NOUN
cblr-14250	1325	31	has	have	AUX
cblr-14250	1325	32	accreted	accrete	VERB
cblr-14250	1325	33	over	over	ADP
cblr-14250	1325	34	time	time	NOUN
cblr-14250	1325	35	.	.	PUNCT
cblr-14250	1326	1	this	this	DET
cblr-14250	1326	2	history	history	NOUN
cblr-14250	1326	3	and	and	CCONJ
cblr-14250	1326	4	framework	framework	NOUN
cblr-14250	1326	5	have	have	VERB
cblr-14250	1326	6	implications	implication	NOUN
cblr-14250	1326	7	beyond	beyond	ADP
cblr-14250	1326	8	banking	banking	NOUN
cblr-14250	1326	9	and	and	CCONJ
cblr-14250	1326	10	bank	bank	NOUN
cblr-14250	1326	11	supervision	supervision	NOUN
cblr-14250	1326	12	.	.	PUNCT
cblr-14250	1327	1	as	as	SCONJ
cblr-14250	1327	2	courts	court	NOUN
cblr-14250	1327	3	increase	increase	VERB
cblr-14250	1327	4	their	their	PRON
cblr-14250	1327	5	presence	presence	NOUN
cblr-14250	1327	6	in	in	ADP
cblr-14250	1327	7	the	the	DET
cblr-14250	1327	8	evaluation	evaluation	NOUN
cblr-14250	1327	9	of	of	ADP
cblr-14250	1327	10	agency	agency	NOUN
cblr-14250	1327	11	actions	action	NOUN
cblr-14250	1327	12	,	,	PUNCT
cblr-14250	1327	13	some	some	PRON
cblr-14250	1327	14	have	have	AUX
cblr-14250	1327	15	argued	argue	VERB
cblr-14250	1327	16	in	in	ADP
cblr-14250	1327	17	favor	favor	NOUN
cblr-14250	1327	18	of	of	ADP
cblr-14250	1327	19	more	more	ADJ
cblr-14250	1327	20	judicial	judicial	ADJ
cblr-14250	1327	21	presence	presence	NOUN
cblr-14250	1327	22	in	in	ADP
cblr-14250	1327	23	the	the	DET
cblr-14250	1327	24	field	field	NOUN
cblr-14250	1327	25	of	of	ADP
cblr-14250	1327	26	bank	bank	NOUN
cblr-14250	1327	27	supervision	supervision	NOUN
cblr-14250	1327	28	,	,	PUNCT
cblr-14250	1327	29	characterizing	characterize	VERB
cblr-14250	1327	30	the	the	DET
cblr-14250	1327	31	field	field	NOUN
cblr-14250	1327	32	as	as	ADP
cblr-14250	1327	33	“	"	PUNCT
cblr-14250	1327	34	the	the	DET
cblr-14250	1327	35	most	most	ADV
cblr-14250	1327	36	oppressive	oppressive	ADJ
cblr-14250	1327	37	component	component	NOUN
cblr-14250	1327	38	of	of	ADP
cblr-14250	1327	39	the	the	DET
cblr-14250	1327	40	federal	federal	ADJ
cblr-14250	1327	41	regulatory	regulatory	ADJ
cblr-14250	1327	42	state	state	NOUN
cblr-14250	1327	43	.	.	PUNCT
cblr-14250	1328	1	”222	”222	NOUN
cblr-14250	1328	2	that	that	DET
cblr-14250	1328	3	evolution	evolution	NOUN
cblr-14250	1328	4	is	be	AUX
cblr-14250	1328	5	extremely	extremely	ADV
cblr-14250	1328	6	unlikely	unlikely	ADJ
cblr-14250	1328	7	to	to	PART
cblr-14250	1328	8	occur	occur	VERB
cblr-14250	1328	9	.	.	PUNCT
cblr-14250	1329	1	for	for	ADP
cblr-14250	1329	2	160	160	NUM
cblr-14250	1329	3	years	year	NOUN
cblr-14250	1329	4	,	,	PUNCT
cblr-14250	1329	5	bank	bank	NOUN
cblr-14250	1329	6	supervision	supervision	NOUN
cblr-14250	1329	7	has	have	AUX
cblr-14250	1329	8	existed	exist	VERB
cblr-14250	1329	9	in	in	ADP
cblr-14250	1329	10	the	the	DET
cblr-14250	1329	11	shadows	shadow	NOUN
cblr-14250	1329	12	as	as	ADP
cblr-14250	1329	13	an	an	DET
cblr-14250	1329	14	alternative	alternative	ADJ
cblr-14250	1329	15	mechanism	mechanism	NOUN
cblr-14250	1329	16	for	for	ADP
cblr-14250	1329	17	negotiating	negotiate	VERB
cblr-14250	1329	18	the	the	DET
cblr-14250	1329	19	co	co	NOUN
cblr-14250	1329	20	-	-	NOUN
cblr-14250	1329	21	ownership	ownership	NOUN
cblr-14250	1329	22	of	of	ADP
cblr-14250	1329	23	financial	financial	ADJ
cblr-14250	1329	24	risk	risk	NOUN
cblr-14250	1329	25	.	.	PUNCT
cblr-14250	1330	1	even	even	ADV
cblr-14250	1330	2	identifying	identify	VERB
cblr-14250	1330	3	the	the	DET
cblr-14250	1330	4	legally	legally	ADV
cblr-14250	1330	5	cognizable	cognizable	ADJ
cblr-14250	1330	6	action	action	NOUN
cblr-14250	1330	7	that	that	SCONJ
cblr-14250	1330	8	courts	court	NOUN
cblr-14250	1330	9	could	could	AUX
cblr-14250	1330	10	invalidate	invalidate	VERB
cblr-14250	1330	11	in	in	ADP
cblr-14250	1330	12	bank	bank	NOUN
cblr-14250	1330	13	supervision	supervision	NOUN
cblr-14250	1330	14	is	be	AUX
cblr-14250	1330	15	nontrivial	nontrivial	ADJ
cblr-14250	1330	16	.	.	PUNCT
cblr-14250	1331	1	instead	instead	ADV
cblr-14250	1331	2	,	,	PUNCT
cblr-14250	1331	3	supervisory	supervisory	ADJ
cblr-14250	1331	4	ownership	ownership	NOUN
cblr-14250	1331	5	of	of	ADP
cblr-14250	1331	6	residual	residual	ADJ
cblr-14250	1331	7	risk	risk	NOUN
cblr-14250	1331	8	and	and	CCONJ
cblr-14250	1331	9	co	co	NOUN
cblr-14250	1331	10	-	-	NOUN
cblr-14250	1331	11	management	management	NOUN
cblr-14250	1331	12	of	of	ADP
cblr-14250	1331	13	frontline	frontline	NOUN
cblr-14250	1331	14	risk	risk	NOUN
cblr-14250	1331	15	will	will	AUX
cblr-14250	1331	16	continue	continue	VERB
cblr-14250	1331	17	to	to	PART
cblr-14250	1331	18	thrive	thrive	VERB
cblr-14250	1331	19	and	and	CCONJ
cblr-14250	1331	20	even	even	ADV
cblr-14250	1331	21	expand	expand	VERB
cblr-14250	1331	22	in	in	ADP
cblr-14250	1331	23	the	the	DET
cblr-14250	1331	24	retreat	retreat	NOUN
cblr-14250	1331	25	of	of	ADP
cblr-14250	1331	26	other	other	ADJ
cblr-14250	1331	27	risk	risk	NOUN
cblr-14250	1331	28	management	management	NOUN
cblr-14250	1331	29	strategies	strategy	NOUN
cblr-14250	1331	30	,	,	PUNCT
cblr-14250	1331	31	such	such	ADJ
cblr-14250	1331	32	as	as	ADP
cblr-14250	1331	33	regulations	regulation	NOUN
cblr-14250	1331	34	that	that	PRON
cblr-14250	1331	35	require	require	VERB
cblr-14250	1331	36	increased	increase	VERB
cblr-14250	1331	37	specificity	specificity	NOUN
cblr-14250	1331	38	to	to	PART
cblr-14250	1331	39	survive	survive	VERB
cblr-14250	1331	40	judicial	judicial	ADJ
cblr-14250	1331	41	challenge	challenge	NOUN
cblr-14250	1331	42	.	.	PUNCT
cblr-14250	1332	1	bank	bank	NOUN
cblr-14250	1332	2	supervision	supervision	NOUN
cblr-14250	1332	3	,	,	PUNCT
cblr-14250	1332	4	in	in	ADP
cblr-14250	1332	5	other	other	ADJ
cblr-14250	1332	6	words	word	NOUN
cblr-14250	1332	7	,	,	PUNCT
cblr-14250	1332	8	is	be	AUX
cblr-14250	1332	9	not	not	PART
cblr-14250	1332	10	only	only	ADV
cblr-14250	1332	11	likely	likely	ADJ
cblr-14250	1332	12	to	to	PART
cblr-14250	1332	13	persist	persist	VERB
cblr-14250	1332	14	in	in	ADP
cblr-14250	1332	15	the	the	DET
cblr-14250	1332	16	post	post	ADJ
cblr-14250	1332	17	-	-	ADJ
cblr-14250	1332	18	chevron	chevron	ADJ
cblr-14250	1332	19	era	era	NOUN
cblr-14250	1332	20	.	.	PUNCT
cblr-14250	1333	1	it	it	PRON
cblr-14250	1333	2	is	be	AUX
cblr-14250	1333	3	likely	likely	ADJ
cblr-14250	1333	4	to	to	PART
cblr-14250	1333	5	expand	expand	VERB
cblr-14250	1333	6	.	.	PUNCT
cblr-14250	1334	1	this	this	DET
cblr-14250	1334	2	article	article	NOUN
cblr-14250	1334	3	provides	provide	VERB
cblr-14250	1334	4	a	a	DET
cblr-14250	1334	5	roadmap	roadmap	NOUN
cblr-14250	1334	6	for	for	ADP
cblr-14250	1334	7	the	the	DET
cblr-14250	1334	8	options	option	NOUN
cblr-14250	1334	9	that	that	PRON
cblr-14250	1334	10	expansion	expansion	NOUN
cblr-14250	1334	11	can	can	AUX
cblr-14250	1334	12	take	take	VERB
cblr-14250	1334	13	.	.	PUNCT
cblr-14250	1335	1	222	222	NUM
cblr-14250	1335	2	are	be	AUX
cblr-14250	1335	3	bank	bank	NOUN
cblr-14250	1335	4	examiners	examiner	NOUN
cblr-14250	1335	5	next	next	ADV
cblr-14250	1335	6	on	on	ADP
cblr-14250	1335	7	industry	industry	NOUN
cblr-14250	1335	8	lawsuit	lawsuit	NOUN
cblr-14250	1335	9	list	list	NOUN
cblr-14250	1335	10	?	?	PUNCT
cblr-14250	1335	11	,	,	PUNCT
cblr-14250	1335	12	capitol	capitol	NOUN
cblr-14250	1335	13	acct	acct	NOUN
cblr-14250	1335	14	.	.	PUNCT
cblr-14250	1336	1	(	(	PUNCT
cblr-14250	1336	2	july	july	PROPN
cblr-14250	1336	3	10	10	NUM
cblr-14250	1336	4	,	,	PUNCT
cblr-14250	1336	5	2024	2024	NUM
cblr-14250	1336	6	)	)	PUNCT
cblr-14250	1336	7	,	,	PUNCT
cblr-14250	1336	8	https://www.capitolaccountdc.com/p/are-bank-examinersnext-on-industry	https://www.capitolaccountdc.com/p/are-bank-examinersnext-on-industry	NOUN
cblr-14250	1337	1	[	[	X
cblr-14250	1337	2	https://perma.cc/4u6y-yv5r	https://perma.cc/4u6y-yv5r	PROPN
cblr-14250	1337	3	]	]	PUNCT
cblr-14250	1337	4	.	.	PUNCT