id	sid	tid	token	lemma	pos
cblr-1712	1	1	1_2017.1_johnston_final	1_2017.1_johnston_final	PROPN
cblr-1712	1	2	johnston	johnston	PROPN
cblr-1712	1	3	–	–	PUNCT
cblr-1712	1	4	final	final	ADJ
cblr-1712	1	5	high	high	ADJ
cblr-1712	1	6	cost	cost	NOUN
cblr-1712	1	7	,	,	PUNCT
cblr-1712	1	8	little	little	ADJ
cblr-1712	1	9	compensation	compensation	NOUN
cblr-1712	1	10	,	,	PUNCT
cblr-1712	1	11	no	no	DET
cblr-1712	1	12	harm	harm	NOUN
cblr-1712	1	13	to	to	PART
cblr-1712	1	14	deter	deter	VERB
cblr-1712	1	15	:	:	PUNCT
cblr-1712	1	16	new	new	ADJ
cblr-1712	1	17	evidence	evidence	NOUN
cblr-1712	1	18	on	on	ADP
cblr-1712	1	19	class	class	NOUN
cblr-1712	1	20	actions	action	NOUN
cblr-1712	1	21	under	under	ADP
cblr-1712	1	22	federal	federal	ADJ
cblr-1712	1	23	consumer	consumer	NOUN
cblr-1712	1	24	protection	protection	NOUN
cblr-1712	1	25	statutes	statute	NOUN
cblr-1712	1	26	jason	jason	PROPN
cblr-1712	1	27	scott	scott	PROPN
cblr-1712	1	28	johnston∗	johnston∗	PROPN
cblr-1712	1	29	working	work	VERB
cblr-1712	1	30	from	from	ADP
cblr-1712	1	31	a	a	DET
cblr-1712	1	32	sample	sample	NOUN
cblr-1712	1	33	of	of	ADP
cblr-1712	1	34	all	all	DET
cblr-1712	1	35	consumer	consumer	NOUN
cblr-1712	1	36	class	class	NOUN
cblr-1712	1	37	actions	action	NOUN
cblr-1712	1	38	filed	file	VERB
cblr-1712	1	39	in	in	ADP
cblr-1712	1	40	the	the	DET
cblr-1712	1	41	northern	northern	ADJ
cblr-1712	1	42	district	district	NOUN
cblr-1712	1	43	of	of	ADP
cblr-1712	1	44	illinois	illinois	PROPN
cblr-1712	1	45	during	during	ADP
cblr-1712	1	46	2010–2012	2010–2012	NUM
cblr-1712	1	47	(	(	PUNCT
cblr-1712	1	48	totaling	total	VERB
cblr-1712	1	49	510	510	NUM
cblr-1712	1	50	)	)	PUNCT
cblr-1712	1	51	,	,	PUNCT
cblr-1712	1	52	this	this	DET
cblr-1712	1	53	article	article	NOUN
cblr-1712	1	54	reports	report	VERB
cblr-1712	1	55	and	and	CCONJ
cblr-1712	1	56	analyzes	analyze	VERB
cblr-1712	1	57	data	datum	NOUN
cblr-1712	1	58	on	on	ADP
cblr-1712	1	59	class	class	NOUN
cblr-1712	1	60	actions	action	NOUN
cblr-1712	1	61	under	under	ADP
cblr-1712	1	62	four	four	NUM
cblr-1712	1	63	federal	federal	ADJ
cblr-1712	1	64	consumer	consumer	NOUN
cblr-1712	1	65	protection	protection	NOUN
cblr-1712	1	66	statutes	statute	NOUN
cblr-1712	1	67	,	,	PUNCT
cblr-1712	1	68	the	the	DET
cblr-1712	1	69	electronic	electronic	ADJ
cblr-1712	1	70	funds	fund	NOUN
cblr-1712	1	71	transfer	transfer	NOUN
cblr-1712	1	72	act	act	NOUN
cblr-1712	1	73	(	(	PUNCT
cblr-1712	1	74	“	"	PUNCT
cblr-1712	1	75	efta	efta	PROPN
cblr-1712	1	76	”	"	PUNCT
cblr-1712	1	77	)	)	PUNCT
cblr-1712	1	78	,	,	PUNCT
cblr-1712	1	79	the	the	DET
cblr-1712	1	80	fair	fair	ADJ
cblr-1712	1	81	credit	credit	NOUN
cblr-1712	1	82	reporting	reporting	NOUN
cblr-1712	1	83	act	act	NOUN
cblr-1712	1	84	(	(	PUNCT
cblr-1712	1	85	“	"	PUNCT
cblr-1712	1	86	fcra	fcra	NOUN
cblr-1712	1	87	”	"	PUNCT
cblr-1712	1	88	)	)	PUNCT
cblr-1712	1	89	,	,	PUNCT
cblr-1712	1	90	the	the	DET
cblr-1712	1	91	fair	fair	ADJ
cblr-1712	1	92	debt	debt	NOUN
cblr-1712	1	93	collection	collection	NOUN
cblr-1712	1	94	practices	practice	NOUN
cblr-1712	1	95	act	act	VERB
cblr-1712	1	96	(	(	PUNCT
cblr-1712	1	97	“	"	PUNCT
cblr-1712	1	98	fdcpa	fdcpa	PROPN
cblr-1712	1	99	”	"	PUNCT
cblr-1712	1	100	)	)	PUNCT
cblr-1712	1	101	,	,	PUNCT
cblr-1712	1	102	and	and	CCONJ
cblr-1712	1	103	the	the	DET
cblr-1712	1	104	telephone	telephone	NOUN
cblr-1712	1	105	consumer	consumer	NOUN
cblr-1712	1	106	protection	protection	NOUN
cblr-1712	1	107	act	act	NOUN
cblr-1712	1	108	(	(	PUNCT
cblr-1712	1	109	“	"	PUNCT
cblr-1712	1	110	tcpa	tcpa	NOUN
cblr-1712	1	111	”	"	PUNCT
cblr-1712	1	112	)	)	PUNCT
cblr-1712	1	113	.	.	PUNCT
cblr-1712	2	1	even	even	ADV
cblr-1712	2	2	assuming	assume	VERB
cblr-1712	2	3	that	that	SCONJ
cblr-1712	2	4	the	the	DET
cblr-1712	2	5	tcpa	tcpa	NOUN
cblr-1712	2	6	cases	case	NOUN
cblr-1712	2	7	alleged	allege	VERB
cblr-1712	2	8	actual	actual	ADJ
cblr-1712	2	9	harm	harm	NOUN
cblr-1712	2	10	to	to	ADP
cblr-1712	2	11	the	the	DET
cblr-1712	2	12	named	name	VERB
cblr-1712	2	13	plaintiff	plaintiff	NOUN
cblr-1712	2	14	,	,	PUNCT
cblr-1712	2	15	over	over	ADP
cblr-1712	2	16	half	half	DET
cblr-1712	2	17	the	the	DET
cblr-1712	2	18	cases	case	NOUN
cblr-1712	2	19	in	in	ADP
cblr-1712	2	20	the	the	DET
cblr-1712	2	21	sample	sample	NOUN
cblr-1712	2	22	sought	seek	VERB
cblr-1712	2	23	statutory	statutory	ADJ
cblr-1712	2	24	damages	damage	NOUN
cblr-1712	2	25	without	without	ADP
cblr-1712	2	26	an	an	DET
cblr-1712	2	27	allegation	allegation	NOUN
cblr-1712	2	28	of	of	ADP
cblr-1712	2	29	harm	harm	NOUN
cblr-1712	2	30	to	to	ADP
cblr-1712	2	31	the	the	DET
cblr-1712	2	32	plaintiff	plaintiff	NOUN
cblr-1712	2	33	.	.	PUNCT
cblr-1712	3	1	especially	especially	ADV
cblr-1712	3	2	in	in	ADP
cblr-1712	3	3	large	large	ADJ
cblr-1712	3	4	class	class	NOUN
cblr-1712	3	5	actions	action	NOUN
cblr-1712	3	6	,	,	PUNCT
cblr-1712	3	7	only	only	ADV
cblr-1712	3	8	10	10	NUM
cblr-1712	3	9	%	%	NOUN
cblr-1712	3	10	to	to	PART
cblr-1712	3	11	15	15	NUM
cblr-1712	3	12	%	%	NOUN
cblr-1712	3	13	of	of	ADP
cblr-1712	3	14	the	the	DET
cblr-1712	3	15	class	class	NOUN
cblr-1712	3	16	received	receive	VERB
cblr-1712	3	17	compensation	compensation	NOUN
cblr-1712	3	18	,	,	PUNCT
cblr-1712	3	19	and	and	CCONJ
cblr-1712	3	20	the	the	DET
cblr-1712	3	21	aggregate	aggregate	ADJ
cblr-1712	3	22	compensation	compensation	NOUN
cblr-1712	3	23	paid	pay	VERB
cblr-1712	3	24	to	to	ADP
cblr-1712	3	25	the	the	DET
cblr-1712	3	26	class	class	NOUN
cblr-1712	3	27	is	be	AUX
cblr-1712	3	28	far	far	ADV
cblr-1712	3	29	less	less	ADJ
cblr-1712	3	30	than	than	ADP
cblr-1712	3	31	the	the	DET
cblr-1712	3	32	stated	state	VERB
cblr-1712	3	33	or	or	CCONJ
cblr-1712	3	34	nominal	nominal	ADJ
cblr-1712	3	35	class	class	NOUN
cblr-1712	3	36	settlement	settlement	NOUN
cblr-1712	3	37	fund	fund	NOUN
cblr-1712	3	38	amount	amount	NOUN
cblr-1712	3	39	.	.	PUNCT
cblr-1712	4	1	because	because	SCONJ
cblr-1712	4	2	courts	court	NOUN
cblr-1712	4	3	award	award	VERB
cblr-1712	4	4	attorneys	attorney	NOUN
cblr-1712	4	5	’	'	PUNCT
cblr-1712	4	6	fees	fee	NOUN
cblr-1712	4	7	based	base	VERB
cblr-1712	4	8	on	on	ADP
cblr-1712	4	9	the	the	DET
cblr-1712	4	10	nominal	nominal	ADJ
cblr-1712	4	11	settlement	settlement	NOUN
cblr-1712	4	12	amount	amount	NOUN
cblr-1712	4	13	,	,	PUNCT
cblr-1712	4	14	attorneys	attorney	NOUN
cblr-1712	4	15	’	'	PUNCT
cblr-1712	4	16	fees	fee	NOUN
cblr-1712	4	17	are	be	AUX
cblr-1712	4	18	a	a	DET
cblr-1712	4	19	very	very	ADV
cblr-1712	4	20	large	large	ADJ
cblr-1712	4	21	fraction	fraction	NOUN
cblr-1712	4	22	of	of	ADP
cblr-1712	4	23	the	the	DET
cblr-1712	4	24	amount	amount	NOUN
cblr-1712	4	25	paid	pay	VERB
cblr-1712	4	26	to	to	ADP
cblr-1712	4	27	the	the	DET
cblr-1712	4	28	class	class	NOUN
cblr-1712	4	29	,	,	PUNCT
cblr-1712	4	30	and	and	CCONJ
cblr-1712	4	31	for	for	ADP
cblr-1712	4	32	some	some	DET
cblr-1712	4	33	case	case	NOUN
cblr-1712	4	34	types	type	NOUN
cblr-1712	4	35	attorneys	attorney	NOUN
cblr-1712	4	36	’	'	PUNCT
cblr-1712	4	37	fees	fee	NOUN
cblr-1712	4	38	average	average	VERB
cblr-1712	4	39	300	300	NUM
cblr-1712	4	40	%	%	NOUN
cblr-1712	4	41	to	to	PART
cblr-1712	4	42	400	400	NUM
cblr-1712	4	43	%	%	NOUN
cblr-1712	4	44	of	of	ADP
cblr-1712	4	45	the	the	DET
cblr-1712	4	46	amount	amount	NOUN
cblr-1712	4	47	paid	pay	VERB
cblr-1712	4	48	to	to	ADP
cblr-1712	4	49	the	the	DET
cblr-1712	4	50	class	class	NOUN
cblr-1712	4	51	.	.	PUNCT
cblr-1712	5	1	with	with	ADP
cblr-1712	5	2	low	low	ADJ
cblr-1712	5	3	class	class	NOUN
cblr-1712	5	4	∗	∗	PROPN
cblr-1712	5	5	henry	henry	PROPN
cblr-1712	5	6	l.	l.	PROPN
cblr-1712	5	7	and	and	CCONJ
cblr-1712	5	8	grace	grace	NOUN
cblr-1712	5	9	doherty	doherty	PROPN
cblr-1712	5	10	charitable	charitable	ADJ
cblr-1712	5	11	foundation	foundation	PROPN
cblr-1712	5	12	professor	professor	NOUN
cblr-1712	5	13	,	,	PUNCT
cblr-1712	5	14	university	university	PROPN
cblr-1712	5	15	of	of	ADP
cblr-1712	5	16	virginia	virginia	PROPN
cblr-1712	5	17	law	law	NOUN
cblr-1712	5	18	school	school	NOUN
cblr-1712	5	19	.	.	PUNCT
cblr-1712	6	1	thanks	thank	NOUN
cblr-1712	6	2	for	for	ADP
cblr-1712	6	3	detailed	detailed	ADJ
cblr-1712	6	4	comments	comment	NOUN
cblr-1712	6	5	on	on	ADP
cblr-1712	6	6	this	this	DET
cblr-1712	6	7	paper	paper	NOUN
cblr-1712	6	8	go	go	VERB
cblr-1712	6	9	to	to	ADP
cblr-1712	6	10	richard	richard	PROPN
cblr-1712	6	11	hynes	hynes	PROPN
cblr-1712	6	12	,	,	PUNCT
cblr-1712	6	13	louis	louis	PROPN
cblr-1712	6	14	kaplow	kaplow	PROPN
cblr-1712	6	15	,	,	PUNCT
cblr-1712	6	16	and	and	CCONJ
cblr-1712	6	17	steve	steve	PROPN
cblr-1712	6	18	shavell	shavell	PROPN
cblr-1712	6	19	.	.	PUNCT
cblr-1712	7	1	useful	useful	ADJ
cblr-1712	7	2	comments	comment	NOUN
cblr-1712	7	3	on	on	ADP
cblr-1712	7	4	this	this	DET
cblr-1712	7	5	paper	paper	NOUN
cblr-1712	7	6	were	be	AUX
cblr-1712	7	7	made	make	VERB
cblr-1712	7	8	by	by	ADP
cblr-1712	7	9	participants	participant	NOUN
cblr-1712	7	10	in	in	ADP
cblr-1712	7	11	law	law	NOUN
cblr-1712	7	12	and	and	CCONJ
cblr-1712	7	13	economics	economic	NOUN
cblr-1712	7	14	workshops	workshop	NOUN
cblr-1712	7	15	at	at	ADP
cblr-1712	7	16	the	the	DET
cblr-1712	7	17	law	law	NOUN
cblr-1712	7	18	schools	school	NOUN
cblr-1712	7	19	of	of	ADP
cblr-1712	7	20	george	george	PROPN
cblr-1712	7	21	mason	mason	PROPN
cblr-1712	7	22	university	university	PROPN
cblr-1712	7	23	,	,	PUNCT
cblr-1712	7	24	harvard	harvard	PROPN
cblr-1712	7	25	university	university	PROPN
cblr-1712	7	26	,	,	PUNCT
cblr-1712	7	27	and	and	CCONJ
cblr-1712	7	28	stanford	stanford	PROPN
cblr-1712	7	29	university	university	PROPN
cblr-1712	7	30	,	,	PUNCT
cblr-1712	7	31	and	and	CCONJ
cblr-1712	7	32	in	in	ADP
cblr-1712	7	33	the	the	DET
cblr-1712	7	34	summer	summer	NOUN
cblr-1712	7	35	faculty	faculty	NOUN
cblr-1712	7	36	workshop	workshop	NOUN
cblr-1712	7	37	at	at	ADP
cblr-1712	7	38	the	the	DET
cblr-1712	7	39	university	university	PROPN
cblr-1712	7	40	of	of	ADP
cblr-1712	7	41	virginia	virginia	PROPN
cblr-1712	7	42	law	law	NOUN
cblr-1712	7	43	school	school	NOUN
cblr-1712	7	44	.	.	PUNCT
cblr-1712	8	1	i	i	PRON
cblr-1712	8	2	am	be	AUX
cblr-1712	8	3	especially	especially	ADV
cblr-1712	8	4	grateful	grateful	ADJ
cblr-1712	8	5	to	to	ADP
cblr-1712	8	6	university	university	PROPN
cblr-1712	8	7	of	of	ADP
cblr-1712	8	8	virginia	virginia	PROPN
cblr-1712	8	9	law	law	PROPN
cblr-1712	8	10	school	school	NOUN
cblr-1712	8	11	student	student	NOUN
cblr-1712	8	12	research	research	NOUN
cblr-1712	8	13	assistants	assistant	NOUN
cblr-1712	8	14	william	william	PROPN
cblr-1712	8	15	jordan	jordan	PROPN
cblr-1712	8	16	,	,	PUNCT
cblr-1712	8	17	lauren	lauren	PROPN
cblr-1712	8	18	kramer	kramer	PROPN
cblr-1712	8	19	,	,	PUNCT
cblr-1712	8	20	levi	levi	PROPN
cblr-1712	8	21	swank	swank	PROPN
cblr-1712	8	22	,	,	PUNCT
cblr-1712	8	23	and	and	CCONJ
cblr-1712	8	24	joseph	joseph	PROPN
cblr-1712	8	25	hykan	hykan	PROPN
cblr-1712	8	26	,	,	PUNCT
cblr-1712	8	27	all	all	PRON
cblr-1712	8	28	of	of	ADP
cblr-1712	8	29	whom	whom	PRON
cblr-1712	8	30	were	be	AUX
cblr-1712	8	31	crucial	crucial	ADJ
cblr-1712	8	32	to	to	ADP
cblr-1712	8	33	the	the	DET
cblr-1712	8	34	success	success	NOUN
cblr-1712	8	35	of	of	ADP
cblr-1712	8	36	this	this	DET
cblr-1712	8	37	project	project	NOUN
cblr-1712	8	38	,	,	PUNCT
cblr-1712	8	39	and	and	CCONJ
cblr-1712	8	40	to	to	ADP
cblr-1712	8	41	jon	jon	PROPN
cblr-1712	8	42	ashley	ashley	PROPN
cblr-1712	8	43	of	of	ADP
cblr-1712	8	44	the	the	DET
cblr-1712	8	45	university	university	PROPN
cblr-1712	8	46	of	of	ADP
cblr-1712	8	47	virginia	virginia	PROPN
cblr-1712	8	48	law	law	NOUN
cblr-1712	8	49	library	library	NOUN
cblr-1712	8	50	,	,	PUNCT
cblr-1712	8	51	who	who	PRON
cblr-1712	8	52	helped	help	VERB
cblr-1712	8	53	with	with	ADP
cblr-1712	8	54	the	the	DET
cblr-1712	8	55	early	early	ADJ
cblr-1712	8	56	stages	stage	NOUN
cblr-1712	8	57	of	of	ADP
cblr-1712	8	58	data	datum	NOUN
cblr-1712	8	59	collection	collection	NOUN
cblr-1712	8	60	.	.	PUNCT
cblr-1712	9	1	johnston	johnston	PROPN
cblr-1712	9	2	–	–	PUNCT
cblr-1712	9	3	final	final	ADJ
cblr-1712	9	4	2	2	NUM
cblr-1712	9	5	columbia	columbia	PROPN
cblr-1712	9	6	business	business	NOUN
cblr-1712	9	7	law	law	PROPN
cblr-1712	9	8	review	review	NOUN
cblr-1712	10	1	[	[	X
cblr-1712	10	2	vol	vol	NOUN
cblr-1712	10	3	.	.	NOUN
cblr-1712	10	4	2017	2017	NUM
cblr-1712	10	5	compensation	compensation	NOUN
cblr-1712	10	6	rates	rate	NOUN
cblr-1712	10	7	and	and	CCONJ
cblr-1712	10	8	attorneys	attorney	NOUN
cblr-1712	10	9	’	’	PART
cblr-1712	10	10	fees	fee	NOUN
cblr-1712	10	11	to	to	ADP
cblr-1712	10	12	class	class	NOUN
cblr-1712	10	13	counsel	counsel	NOUN
cblr-1712	10	14	that	that	PRON
cblr-1712	10	15	often	often	ADV
cblr-1712	10	16	dwarf	dwarf	VERB
cblr-1712	10	17	total	total	ADJ
cblr-1712	10	18	class	class	NOUN
cblr-1712	10	19	compensation	compensation	NOUN
cblr-1712	10	20	,	,	PUNCT
cblr-1712	10	21	such	such	ADJ
cblr-1712	10	22	class	class	NOUN
cblr-1712	10	23	actions	action	NOUN
cblr-1712	10	24	are	be	AUX
cblr-1712	10	25	highly	highly	ADV
cblr-1712	10	26	inefficient	inefficient	ADJ
cblr-1712	10	27	means	mean	NOUN
cblr-1712	10	28	of	of	ADP
cblr-1712	10	29	awarding	award	VERB
cblr-1712	10	30	compensation	compensation	NOUN
cblr-1712	10	31	to	to	ADP
cblr-1712	10	32	consumers	consumer	NOUN
cblr-1712	10	33	.	.	PUNCT
cblr-1712	11	1	as	as	SCONJ
cblr-1712	11	2	the	the	DET
cblr-1712	11	3	actual	actual	ADJ
cblr-1712	11	4	harm	harm	NOUN
cblr-1712	11	5	in	in	ADP
cblr-1712	11	6	such	such	ADJ
cblr-1712	11	7	cases	case	NOUN
cblr-1712	11	8	is	be	AUX
cblr-1712	11	9	,	,	PUNCT
cblr-1712	11	10	at	at	ADP
cblr-1712	11	11	best	good	ADJ
cblr-1712	11	12	,	,	PUNCT
cblr-1712	11	13	small	small	ADJ
cblr-1712	11	14	,	,	PUNCT
cblr-1712	11	15	consumers	consumer	NOUN
cblr-1712	11	16	would	would	AUX
cblr-1712	11	17	likely	likely	ADV
cblr-1712	11	18	have	have	VERB
cblr-1712	11	19	little	little	ADJ
cblr-1712	11	20	ex	ex	NOUN
cblr-1712	11	21	-	-	NOUN
cblr-1712	11	22	ante	ante	ADJ
cblr-1712	11	23	demand	demand	NOUN
cblr-1712	11	24	for	for	ADP
cblr-1712	11	25	insurance	insurance	NOUN
cblr-1712	11	26	against	against	ADP
cblr-1712	11	27	such	such	ADJ
cblr-1712	11	28	harm	harm	NOUN
cblr-1712	11	29	.	.	PUNCT
cblr-1712	12	1	because	because	SCONJ
cblr-1712	12	2	statutory	statutory	ADJ
cblr-1712	12	3	damages	damage	NOUN
cblr-1712	12	4	are	be	AUX
cblr-1712	12	5	far	far	ADV
cblr-1712	12	6	greater	great	ADJ
cblr-1712	12	7	than	than	ADP
cblr-1712	12	8	the	the	DET
cblr-1712	12	9	actual	actual	ADJ
cblr-1712	12	10	harm	harm	NOUN
cblr-1712	12	11	and	and	CCONJ
cblr-1712	12	12	relatively	relatively	ADV
cblr-1712	12	13	uniform	uniform	ADJ
cblr-1712	12	14	and	and	CCONJ
cblr-1712	12	15	independent	independent	ADJ
cblr-1712	12	16	of	of	ADP
cblr-1712	12	17	actual	actual	ADJ
cblr-1712	12	18	harm	harm	NOUN
cblr-1712	12	19	,	,	PUNCT
cblr-1712	12	20	the	the	DET
cblr-1712	12	21	system	system	NOUN
cblr-1712	12	22	likely	likely	ADV
cblr-1712	12	23	leads	lead	VERB
cblr-1712	12	24	to	to	ADP
cblr-1712	12	25	a	a	DET
cblr-1712	12	26	misallocation	misallocation	NOUN
cblr-1712	12	27	of	of	ADP
cblr-1712	12	28	efforts	effort	NOUN
cblr-1712	12	29	of	of	ADP
cblr-1712	12	30	class	class	NOUN
cblr-1712	12	31	counsel	counsel	NOUN
cblr-1712	12	32	toward	toward	ADP
cblr-1712	12	33	such	such	ADJ
cblr-1712	12	34	high	high	ADJ
cblr-1712	12	35	statutory	statutory	ADJ
cblr-1712	12	36	damage	damage	NOUN
cblr-1712	12	37	cases	case	NOUN
cblr-1712	12	38	and	and	CCONJ
cblr-1712	12	39	away	away	ADV
cblr-1712	12	40	from	from	ADP
cblr-1712	12	41	cases	case	NOUN
cblr-1712	12	42	with	with	ADP
cblr-1712	12	43	bigger	big	ADJ
cblr-1712	12	44	harm	harm	NOUN
cblr-1712	12	45	but	but	CCONJ
cblr-1712	12	46	smaller	small	ADJ
cblr-1712	12	47	statutory	statutory	ADJ
cblr-1712	12	48	damages	damage	NOUN
cblr-1712	12	49	.	.	PUNCT
cblr-1712	13	1	in	in	ADP
cblr-1712	13	2	spokeo	spokeo	PROPN
cblr-1712	13	3	,	,	PUNCT
cblr-1712	13	4	inc	inc	PROPN
cblr-1712	13	5	.	.	PROPN
cblr-1712	14	1	v.	v.	ADP
cblr-1712	14	2	robins	robin	NOUN
cblr-1712	14	3	,	,	PUNCT
cblr-1712	14	4	578	578	NUM
cblr-1712	14	5	u.s	u.s	PROPN
cblr-1712	14	6	.	.	PROPN
cblr-1712	15	1	_	_	PUNCT
cblr-1712	16	1	_	_	PUNCT
cblr-1712	16	2	(	(	PUNCT
cblr-1712	16	3	2016	2016	NUM
cblr-1712	16	4	)	)	PUNCT
cblr-1712	16	5	,	,	PUNCT
cblr-1712	16	6	the	the	DET
cblr-1712	16	7	supreme	supreme	PROPN
cblr-1712	16	8	court	court	PROPN
cblr-1712	16	9	recently	recently	ADV
cblr-1712	16	10	articulated	articulate	VERB
cblr-1712	16	11	a	a	DET
cblr-1712	16	12	test	test	NOUN
cblr-1712	16	13	for	for	ADP
cblr-1712	16	14	standing	stand	VERB
cblr-1712	16	15	in	in	ADP
cblr-1712	16	16	actions	action	NOUN
cblr-1712	16	17	brought	bring	VERB
cblr-1712	16	18	under	under	ADP
cblr-1712	16	19	precisely	precisely	ADV
cblr-1712	16	20	the	the	DET
cblr-1712	16	21	sort	sort	NOUN
cblr-1712	16	22	of	of	ADP
cblr-1712	16	23	no	no	DET
cblr-1712	16	24	-	-	PUNCT
cblr-1712	16	25	harm	harm	NOUN
cblr-1712	16	26	,	,	PUNCT
cblr-1712	16	27	statutory	statutory	ADJ
cblr-1712	16	28	damage	damage	NOUN
cblr-1712	16	29	provisions	provision	NOUN
cblr-1712	16	30	studied	study	VERB
cblr-1712	16	31	here	here	ADV
cblr-1712	16	32	.	.	PUNCT
cblr-1712	17	1	this	this	DET
cblr-1712	17	2	article	article	NOUN
cblr-1712	17	3	concludes	conclude	VERB
cblr-1712	17	4	by	by	ADP
cblr-1712	17	5	evaluating	evaluate	VERB
cblr-1712	17	6	possible	possible	ADJ
cblr-1712	17	7	solutions	solution	NOUN
cblr-1712	17	8	to	to	PART
cblr-1712	17	9	socially	socially	ADV
cblr-1712	17	10	wasteful	wasteful	ADJ
cblr-1712	17	11	no	no	DET
cblr-1712	17	12	-	-	PUNCT
cblr-1712	17	13	harm	harm	NOUN
cblr-1712	17	14	causes	cause	NOUN
cblr-1712	17	15	of	of	ADP
cblr-1712	17	16	action	action	NOUN
cblr-1712	17	17	under	under	ADP
cblr-1712	17	18	federal	federal	ADJ
cblr-1712	17	19	consumer	consumer	NOUN
cblr-1712	17	20	protection	protection	NOUN
cblr-1712	17	21	statutes	statute	NOUN
cblr-1712	17	22	.	.	PUNCT
cblr-1712	18	1	one	one	NUM
cblr-1712	18	2	possibility	possibility	NOUN
cblr-1712	18	3	is	be	AUX
cblr-1712	18	4	that	that	SCONJ
cblr-1712	18	5	under	under	ADP
cblr-1712	18	6	spokeo	spokeo	NOUN
cblr-1712	18	7	,	,	PUNCT
cblr-1712	18	8	courts	court	NOUN
cblr-1712	18	9	could	could	AUX
cblr-1712	18	10	screen	screen	VERB
cblr-1712	18	11	true	true	ADJ
cblr-1712	18	12	no	no	DET
cblr-1712	18	13	-	-	PUNCT
cblr-1712	18	14	harm	harm	NOUN
cblr-1712	18	15	cases	case	NOUN
cblr-1712	18	16	from	from	ADP
cblr-1712	18	17	the	the	DET
cblr-1712	18	18	costly	costly	ADJ
cblr-1712	18	19	class	class	NOUN
cblr-1712	18	20	-	-	PUNCT
cblr-1712	18	21	action	action	NOUN
cblr-1712	18	22	process	process	NOUN
cblr-1712	18	23	.	.	PUNCT
cblr-1712	19	1	another	another	PRON
cblr-1712	19	2	is	be	AUX
cblr-1712	19	3	that	that	SCONJ
cblr-1712	19	4	through	through	ADP
cblr-1712	19	5	better	well	ADJ
cblr-1712	19	6	monitoring	monitoring	NOUN
cblr-1712	19	7	of	of	ADP
cblr-1712	19	8	class	class	NOUN
cblr-1712	19	9	settlement	settlement	NOUN
cblr-1712	19	10	terms	term	NOUN
cblr-1712	19	11	,	,	PUNCT
cblr-1712	19	12	district	district	NOUN
cblr-1712	19	13	courts	court	NOUN
cblr-1712	19	14	could	could	AUX
cblr-1712	19	15	lower	lower	VERB
cblr-1712	19	16	the	the	DET
cblr-1712	19	17	costs	cost	NOUN
cblr-1712	19	18	of	of	ADP
cblr-1712	19	19	class	class	NOUN
cblr-1712	19	20	actions	action	NOUN
cblr-1712	19	21	and	and	CCONJ
cblr-1712	19	22	restore	restore	VERB
cblr-1712	19	23	balance	balance	NOUN
cblr-1712	19	24	between	between	ADP
cblr-1712	19	25	costs	cost	NOUN
cblr-1712	19	26	and	and	CCONJ
cblr-1712	19	27	benefits	benefit	NOUN
cblr-1712	19	28	.	.	PUNCT
cblr-1712	20	1	the	the	DET
cblr-1712	20	2	final	final	ADJ
cblr-1712	20	3	reform	reform	NOUN
cblr-1712	20	4	possibility	possibility	NOUN
cblr-1712	20	5	analyzed	analyze	VERB
cblr-1712	20	6	in	in	ADP
cblr-1712	20	7	this	this	DET
cblr-1712	20	8	article	article	NOUN
cblr-1712	20	9	is	be	AUX
cblr-1712	20	10	congressional	congressional	ADJ
cblr-1712	20	11	amendment	amendment	NOUN
cblr-1712	20	12	of	of	ADP
cblr-1712	20	13	no	no	DET
cblr-1712	20	14	-	-	PUNCT
cblr-1712	20	15	harm	harm	NOUN
cblr-1712	20	16	statutory	statutory	ADJ
cblr-1712	20	17	damage	damage	NOUN
cblr-1712	20	18	provisions	provision	NOUN
cblr-1712	20	19	.	.	PUNCT
cblr-1712	21	1	i.	i.	PROPN
cblr-1712	21	2	introduction	introduction	NOUN
cblr-1712	21	3	.....................................................................	.....................................................................	PUNCT
cblr-1712	21	4	4	4	NUM
cblr-1712	21	5	ii	ii	NOUN
cblr-1712	21	6	.	.	PUNCT
cblr-1712	22	1	the	the	DET
cblr-1712	22	2	northern	northern	ADJ
cblr-1712	22	3	district	district	PROPN
cblr-1712	22	4	,	,	PUNCT
cblr-1712	22	5	illinois	illinois	PROPN
cblr-1712	22	6	evidence	evidence	NOUN
cblr-1712	22	7	.....................	.....................	PUNCT
cblr-1712	22	8	11	11	NUM
cblr-1712	22	9	a.	a.	NOUN
cblr-1712	22	10	federal	federal	ADJ
cblr-1712	22	11	statutory	statutory	ADJ
cblr-1712	22	12	consumer	consumer	NOUN
cblr-1712	22	13	class	class	NOUN
cblr-1712	22	14	-	-	PUNCT
cblr-1712	22	15	action	action	NOUN
cblr-1712	22	16	case	case	NOUN
cblr-1712	22	17	types	type	NOUN
cblr-1712	22	18	and	and	CCONJ
cblr-1712	22	19	outcomes	outcome	NOUN
cblr-1712	22	20	.....................................	.....................................	PUNCT
cblr-1712	23	1	11	11	NUM
cblr-1712	23	2	1	1	NUM
cblr-1712	23	3	.	.	PUNCT
cblr-1712	24	1	the	the	DET
cblr-1712	24	2	data	datum	NOUN
cblr-1712	24	3	underlying	underlie	VERB
cblr-1712	24	4	this	this	DET
cblr-1712	24	5	study	study	NOUN
cblr-1712	24	6	.....................	.....................	PUNCT
cblr-1712	24	7	12	12	NUM
cblr-1712	24	8	2	2	NUM
cblr-1712	24	9	.	.	X
cblr-1712	24	10	relationship	relationship	NOUN
cblr-1712	24	11	to	to	ADP
cblr-1712	24	12	prior	prior	ADJ
cblr-1712	24	13	empirical	empirical	ADJ
cblr-1712	24	14	studies	study	NOUN
cblr-1712	24	15	of	of	ADP
cblr-1712	24	16	consumer	consumer	NOUN
cblr-1712	24	17	class	class	NOUN
cblr-1712	24	18	actions	action	NOUN
cblr-1712	24	19	...................................	...................................	PUNCT
cblr-1712	24	20	14	14	NUM
cblr-1712	24	21	3	3	NUM
cblr-1712	24	22	.	.	PUNCT
cblr-1712	24	23	class	class	NOUN
cblr-1712	24	24	actions	action	NOUN
cblr-1712	24	25	under	under	ADP
cblr-1712	24	26	federal	federal	ADJ
cblr-1712	24	27	consumer	consumer	NOUN
cblr-1712	24	28	protection	protection	NOUN
cblr-1712	24	29	statutes	statute	NOUN
cblr-1712	24	30	within	within	ADP
cblr-1712	24	31	the	the	DET
cblr-1712	24	32	universe	universe	NOUN
cblr-1712	24	33	of	of	ADP
cblr-1712	24	34	consumer	consumer	NOUN
cblr-1712	24	35	class	class	NOUN
cblr-1712	24	36	-	-	PUNCT
cblr-1712	24	37	action	action	NOUN
cblr-1712	24	38	filings	filing	NOUN
cblr-1712	24	39	........................	........................	PUNCT
cblr-1712	24	40	20	20	NUM
cblr-1712	24	41	4	4	NUM
cblr-1712	24	42	.	.	PUNCT
cblr-1712	25	1	outcomes	outcome	NOUN
cblr-1712	25	2	in	in	ADP
cblr-1712	25	3	class	class	NOUN
cblr-1712	25	4	actions	action	NOUN
cblr-1712	25	5	under	under	ADP
cblr-1712	25	6	federal	federal	ADJ
cblr-1712	25	7	consumer	consumer	NOUN
cblr-1712	25	8	protection	protection	NOUN
cblr-1712	25	9	statutes	statute	NOUN
cblr-1712	25	10	.........................	.........................	PUNCT
cblr-1712	25	11	23	23	NUM
cblr-1712	25	12	b.	b.	PROPN
cblr-1712	25	13	lessons	lesson	NOUN
cblr-1712	25	14	from	from	ADP
cblr-1712	25	15	an	an	DET
cblr-1712	25	16	extinct	extinct	ADJ
cblr-1712	25	17	cause	cause	NOUN
cblr-1712	25	18	of	of	ADP
cblr-1712	25	19	action	action	NOUN
cblr-1712	25	20	:	:	PUNCT
cblr-1712	25	21	atm	atm	NOUN
cblr-1712	25	22	notice	notice	NOUN
cblr-1712	25	23	failures	failure	NOUN
cblr-1712	25	24	under	under	ADP
cblr-1712	25	25	the	the	DET
cblr-1712	25	26	efta	efta	NOUN
cblr-1712	25	27	...........................	...........................	PUNCT
cblr-1712	25	28	28	28	NUM
cblr-1712	25	29	johnston	johnston	PROPN
cblr-1712	25	30	–	–	PUNCT
cblr-1712	25	31	final	final	ADJ
cblr-1712	25	32	no	no	NOUN
cblr-1712	25	33	.	.	NOUN
cblr-1712	25	34	1:1	1:1	NUM
cblr-1712	25	35	]	]	X
cblr-1712	25	36	high	high	ADJ
cblr-1712	25	37	cost	cost	NOUN
cblr-1712	25	38	,	,	PUNCT
cblr-1712	25	39	little	little	ADJ
cblr-1712	25	40	compensation	compensation	NOUN
cblr-1712	25	41	3	3	NUM
cblr-1712	25	42	c.	c.	NOUN
cblr-1712	25	43	class	class	NOUN
cblr-1712	25	44	actions	action	NOUN
cblr-1712	25	45	under	under	ADP
cblr-1712	25	46	the	the	DET
cblr-1712	25	47	other	other	ADJ
cblr-1712	25	48	major	major	ADJ
cblr-1712	25	49	federal	federal	ADJ
cblr-1712	25	50	consumer	consumer	NOUN
cblr-1712	25	51	protection	protection	NOUN
cblr-1712	25	52	statutes	statute	NOUN
cblr-1712	25	53	...............................	...............................	PUNCT
cblr-1712	26	1	37	37	NUM
cblr-1712	26	2	1	1	NUM
cblr-1712	26	3	.	.	PUNCT
cblr-1712	27	1	the	the	DET
cblr-1712	27	2	fair	fair	ADJ
cblr-1712	27	3	credit	credit	NOUN
cblr-1712	27	4	reporting	reporting	NOUN
cblr-1712	27	5	act	act	NOUN
cblr-1712	27	6	.........................	.........................	PUNCT
cblr-1712	27	7	39	39	NUM
cblr-1712	27	8	2	2	NUM
cblr-1712	27	9	.	.	PUNCT
cblr-1712	28	1	the	the	DET
cblr-1712	28	2	fair	fair	ADJ
cblr-1712	28	3	debt	debt	NOUN
cblr-1712	28	4	collection	collection	NOUN
cblr-1712	28	5	practices	practice	NOUN
cblr-1712	28	6	act	act	VERB
cblr-1712	28	7	............	............	PUNCT
cblr-1712	28	8	48	48	NUM
cblr-1712	28	9	a.	a.	NOUN
cblr-1712	28	10	formality	formality	NOUN
cblr-1712	28	11	failure	failure	NOUN
cblr-1712	28	12	........................................	........................................	PUNCT
cblr-1712	28	13	49	49	NUM
cblr-1712	28	14	b.	b.	PROPN
cblr-1712	28	15	bad	bad	ADJ
cblr-1712	28	16	debt	debt	NOUN
cblr-1712	28	17	......................................................	......................................................	PUNCT
cblr-1712	28	18	50	50	NUM
cblr-1712	28	19	c.	c.	NOUN
cblr-1712	28	20	litigation	litigation	NOUN
cblr-1712	28	21	threat	threat	NOUN
cblr-1712	28	22	.........................................	.........................................	PUNCT
cblr-1712	28	23	51	51	NUM
cblr-1712	28	24	d.	d.	PROPN
cblr-1712	28	25	harassment	harassment	PROPN
cblr-1712	28	26	.................................................	.................................................	PUNCT
cblr-1712	29	1	51	51	NUM
cblr-1712	29	2	e.	e.	PROPN
cblr-1712	29	3	other	other	PROPN
cblr-1712	29	4	............................................................	............................................................	PUNCT
cblr-1712	29	5	52	52	NUM
cblr-1712	29	6	3	3	NUM
cblr-1712	29	7	.	.	PUNCT
cblr-1712	29	8	telephone	telephone	NOUN
cblr-1712	29	9	consumer	consumer	NOUN
cblr-1712	29	10	protection	protection	NOUN
cblr-1712	29	11	act	act	NOUN
cblr-1712	29	12	................	................	PUNCT
cblr-1712	29	13	56	56	NUM
cblr-1712	29	14	iii	iii	NOUN
cblr-1712	29	15	.	.	PUNCT
cblr-1712	29	16	implications	implication	NOUN
cblr-1712	29	17	of	of	ADP
cblr-1712	29	18	the	the	DET
cblr-1712	29	19	northern	northern	ADJ
cblr-1712	29	20	district	district	PROPN
cblr-1712	29	21	of	of	ADP
cblr-1712	29	22	illinois	illinois	PROPN
cblr-1712	29	23	evidence	evidence	NOUN
cblr-1712	29	24	for	for	ADP
cblr-1712	29	25	the	the	DET
cblr-1712	29	26	social	social	ADJ
cblr-1712	29	27	utility	utility	NOUN
cblr-1712	29	28	of	of	ADP
cblr-1712	29	29	class	class	NOUN
cblr-1712	29	30	actions	action	NOUN
cblr-1712	29	31	under	under	ADP
cblr-1712	29	32	federal	federal	ADJ
cblr-1712	29	33	consumer	consumer	NOUN
cblr-1712	29	34	protection	protection	NOUN
cblr-1712	29	35	statutes	statute	NOUN
cblr-1712	29	36	............	............	PUNCT
cblr-1712	29	37	64	64	NUM
cblr-1712	29	38	a.	a.	NOUN
cblr-1712	29	39	social	social	ADJ
cblr-1712	29	40	welfare	welfare	NOUN
cblr-1712	29	41	implications	implication	NOUN
cblr-1712	29	42	of	of	ADP
cblr-1712	29	43	incentivizing	incentivize	VERB
cblr-1712	29	44	class	class	NOUN
cblr-1712	29	45	-	-	PUNCT
cblr-1712	29	46	action	action	NOUN
cblr-1712	29	47	settlements	settlement	NOUN
cblr-1712	29	48	where	where	SCONJ
cblr-1712	29	49	there	there	PRON
cblr-1712	29	50	may	may	AUX
cblr-1712	29	51	be	be	AUX
cblr-1712	29	52	no	no	DET
cblr-1712	29	53	harm	harm	NOUN
cblr-1712	29	54	to	to	ADP
cblr-1712	29	55	consumers	consumer	NOUN
cblr-1712	29	56	.........................................	.........................................	PUNCT
cblr-1712	30	1	65	65	NUM
cblr-1712	30	2	b.	b.	PROPN
cblr-1712	30	3	attorneys	attorney	NOUN
cblr-1712	30	4	’	'	PUNCT
cblr-1712	30	5	fees	fee	NOUN
cblr-1712	30	6	to	to	ADP
cblr-1712	30	7	class	class	NOUN
cblr-1712	30	8	counsel	counsel	NOUN
cblr-1712	30	9	that	that	PRON
cblr-1712	30	10	often	often	ADV
cblr-1712	30	11	exceed	exceed	VERB
cblr-1712	30	12	total	total	ADJ
cblr-1712	30	13	class	class	NOUN
cblr-1712	30	14	compensation	compensation	NOUN
cblr-1712	30	15	suggest	suggest	VERB
cblr-1712	30	16	that	that	SCONJ
cblr-1712	30	17	consumer	consumer	NOUN
cblr-1712	30	18	class	class	NOUN
cblr-1712	30	19	actions	action	NOUN
cblr-1712	30	20	are	be	AUX
cblr-1712	30	21	a	a	DET
cblr-1712	30	22	highly	highly	ADV
cblr-1712	30	23	inefficient	inefficient	ADJ
cblr-1712	30	24	method	method	NOUN
cblr-1712	30	25	of	of	ADP
cblr-1712	30	26	compensation	compensation	NOUN
cblr-1712	30	27	.....................	.....................	PUNCT
cblr-1712	30	28	69	69	NUM
cblr-1712	30	29	c.	c.	NOUN
cblr-1712	30	30	data	datum	NOUN
cblr-1712	30	31	showing	show	VERB
cblr-1712	30	32	that	that	SCONJ
cblr-1712	30	33	only	only	ADV
cblr-1712	30	34	a	a	DET
cblr-1712	30	35	small	small	ADJ
cblr-1712	30	36	fraction	fraction	NOUN
cblr-1712	30	37	of	of	ADP
cblr-1712	30	38	the	the	DET
cblr-1712	30	39	class	class	NOUN
cblr-1712	30	40	receives	receive	VERB
cblr-1712	30	41	compensation	compensation	NOUN
cblr-1712	30	42	in	in	ADP
cblr-1712	30	43	the	the	DET
cblr-1712	30	44	largest	large	ADJ
cblr-1712	30	45	class	class	NOUN
cblr-1712	30	46	-	-	PUNCT
cblr-1712	30	47	action	action	NOUN
cblr-1712	30	48	settlements	settlement	NOUN
cblr-1712	30	49	further	far	ADV
cblr-1712	30	50	show	show	VERB
cblr-1712	30	51	the	the	DET
cblr-1712	30	52	inefficiency	inefficiency	NOUN
cblr-1712	30	53	of	of	ADP
cblr-1712	30	54	the	the	DET
cblr-1712	30	55	consumer	consumer	NOUN
cblr-1712	30	56	class	class	NOUN
cblr-1712	30	57	action	action	NOUN
cblr-1712	30	58	as	as	ADP
cblr-1712	30	59	an	an	DET
cblr-1712	30	60	instrument	instrument	NOUN
cblr-1712	30	61	of	of	ADP
cblr-1712	30	62	compensation	compensation	NOUN
cblr-1712	30	63	...........	...........	PUNCT
cblr-1712	30	64	71	71	NUM
cblr-1712	30	65	d.	d.	NOUN
cblr-1712	30	66	as	as	SCONJ
cblr-1712	30	67	there	there	PRON
cblr-1712	30	68	are	be	VERB
cblr-1712	30	69	no	no	DET
cblr-1712	30	70	“	"	PUNCT
cblr-1712	30	71	small	small	ADJ
cblr-1712	30	72	dollar	dollar	NOUN
cblr-1712	30	73	”	"	PUNCT
cblr-1712	30	74	consumer	consumer	NOUN
cblr-1712	30	75	class	class	NOUN
cblr-1712	30	76	actions	action	NOUN
cblr-1712	30	77	under	under	ADP
cblr-1712	30	78	federal	federal	ADJ
cblr-1712	30	79	consumer	consumer	NOUN
cblr-1712	30	80	protection	protection	NOUN
cblr-1712	30	81	statutes	statute	NOUN
cblr-1712	30	82	with	with	ADP
cblr-1712	30	83	statutory	statutory	ADJ
cblr-1712	30	84	damages	damage	NOUN
cblr-1712	30	85	,	,	PUNCT
cblr-1712	30	86	the	the	DET
cblr-1712	30	87	basic	basic	ADJ
cblr-1712	30	88	economic	economic	ADJ
cblr-1712	30	89	justification	justification	NOUN
cblr-1712	30	90	for	for	ADP
cblr-1712	30	91	claims	claim	NOUN
cblr-1712	30	92	aggregation	aggregation	NOUN
cblr-1712	30	93	in	in	ADP
cblr-1712	30	94	the	the	DET
cblr-1712	30	95	class	class	NOUN
cblr-1712	30	96	action	action	NOUN
cblr-1712	30	97	may	may	AUX
cblr-1712	30	98	fail	fail	VERB
cblr-1712	30	99	to	to	PART
cblr-1712	30	100	hold	hold	VERB
cblr-1712	30	101	.........................................................................	.........................................................................	PUNCT
cblr-1712	30	102	71	71	NUM
cblr-1712	30	103	e.	e.	PROPN
cblr-1712	30	104	consumer	consumer	NOUN
cblr-1712	30	105	class	class	NOUN
cblr-1712	30	106	actions	action	NOUN
cblr-1712	30	107	under	under	ADP
cblr-1712	30	108	federal	federal	ADJ
cblr-1712	30	109	consumer	consumer	NOUN
cblr-1712	30	110	protection	protection	NOUN
cblr-1712	30	111	statutes	statute	NOUN
cblr-1712	30	112	are	be	AUX
cblr-1712	30	113	never	never	ADV
cblr-1712	30	114	tried	try	VERB
cblr-1712	30	115	,	,	PUNCT
cblr-1712	30	116	rarely	rarely	ADV
cblr-1712	30	117	generate	generate	VERB
cblr-1712	30	118	binding	binding	ADJ
cblr-1712	30	119	legal	legal	ADJ
cblr-1712	30	120	precedent	precedent	NOUN
cblr-1712	30	121	,	,	PUNCT
cblr-1712	30	122	and	and	CCONJ
cblr-1712	30	123	may	may	AUX
cblr-1712	30	124	well	well	ADV
cblr-1712	30	125	be	be	AUX
cblr-1712	30	126	individually	individually	ADV
cblr-1712	30	127	viable	viable	ADJ
cblr-1712	30	128	......................................................................	......................................................................	PUNCT
cblr-1712	30	129	72	72	NUM
cblr-1712	30	130	f.	f.	NOUN
cblr-1712	30	131	even	even	ADV
cblr-1712	30	132	cases	case	NOUN
cblr-1712	30	133	with	with	ADP
cblr-1712	30	134	allegations	allegation	NOUN
cblr-1712	30	135	of	of	ADP
cblr-1712	30	136	harm	harm	NOUN
cblr-1712	30	137	may	may	AUX
cblr-1712	30	138	actually	actually	ADV
cblr-1712	30	139	involve	involve	VERB
cblr-1712	30	140	no	no	DET
cblr-1712	30	141	harm	harm	NOUN
cblr-1712	30	142	to	to	ADP
cblr-1712	30	143	anybody	anybody	PRON
cblr-1712	30	144	.................	.................	PUNCT
cblr-1712	31	1	73	73	NUM
cblr-1712	31	2	johnston	johnston	NOUN
cblr-1712	31	3	–	–	PUNCT
cblr-1712	31	4	final	final	ADJ
cblr-1712	31	5	4	4	NUM
cblr-1712	31	6	columbia	columbia	PROPN
cblr-1712	31	7	business	business	NOUN
cblr-1712	31	8	law	law	PROPN
cblr-1712	31	9	review	review	NOUN
cblr-1712	31	10	[	[	X
cblr-1712	31	11	vol	vol	NOUN
cblr-1712	31	12	.	.	NOUN
cblr-1712	31	13	2017	2017	NUM
cblr-1712	31	14	iv	iv	NOUN
cblr-1712	31	15	.	.	PUNCT
cblr-1712	32	1	improving	improve	VERB
cblr-1712	32	2	consumer	consumer	NOUN
cblr-1712	32	3	class	class	NOUN
cblr-1712	32	4	actions	action	NOUN
cblr-1712	32	5	under	under	ADP
cblr-1712	32	6	federal	federal	ADJ
cblr-1712	32	7	consumer	consumer	NOUN
cblr-1712	32	8	protection	protection	NOUN
cblr-1712	32	9	statutes	statute	NOUN
cblr-1712	32	10	.....................................	.....................................	PUNCT
cblr-1712	33	1	81	81	NUM
cblr-1712	33	2	a.	a.	NOUN
cblr-1712	33	3	the	the	DET
cblr-1712	33	4	impact	impact	NOUN
cblr-1712	33	5	of	of	ADP
cblr-1712	33	6	spokeo	spokeo	PROPN
cblr-1712	33	7	in	in	ADP
cblr-1712	33	8	screening	screen	VERB
cblr-1712	33	9	no	no	DET
cblr-1712	33	10	-	-	PUNCT
cblr-1712	33	11	harm	harm	NOUN
cblr-1712	33	12	cases	case	NOUN
cblr-1712	33	13	.......................................................................	.......................................................................	PUNCT
cblr-1712	34	1	81	81	NUM
cblr-1712	34	2	b.	b.	NOUN
cblr-1712	34	3	better	well	ADJ
cblr-1712	34	4	judicial	judicial	ADJ
cblr-1712	34	5	monitoring	monitoring	NOUN
cblr-1712	34	6	....................................	....................................	PUNCT
cblr-1712	34	7	82	82	NUM
cblr-1712	34	8	c.	c.	PROPN
cblr-1712	34	9	congressional	congressional	ADJ
cblr-1712	34	10	action	action	NOUN
cblr-1712	34	11	to	to	PART
cblr-1712	34	12	repeal	repeal	VERB
cblr-1712	34	13	some	some	DET
cblr-1712	34	14	statutory	statutory	ADJ
cblr-1712	34	15	damage	damage	NOUN
cblr-1712	34	16	,	,	PUNCT
cblr-1712	34	17	no	no	DET
cblr-1712	34	18	-	-	PUNCT
cblr-1712	34	19	harm	harm	NOUN
cblr-1712	34	20	causes	cause	NOUN
cblr-1712	34	21	of	of	ADP
cblr-1712	34	22	action	action	NOUN
cblr-1712	34	23	....	....	PUNCT
cblr-1712	34	24	85	85	NUM
cblr-1712	34	25	i.	i.	NOUN
cblr-1712	34	26	introduction	introduction	NOUN
cblr-1712	34	27	suppose	suppose	VERB
cblr-1712	34	28	someone	someone	PRON
cblr-1712	34	29	proposed	propose	VERB
cblr-1712	34	30	a	a	DET
cblr-1712	34	31	hypothetical	hypothetical	ADJ
cblr-1712	34	32	system	system	NOUN
cblr-1712	34	33	of	of	ADP
cblr-1712	34	34	compensatory	compensatory	ADJ
cblr-1712	34	35	wealth	wealth	NOUN
cblr-1712	34	36	redistribution	redistribution	NOUN
cblr-1712	34	37	to	to	ADP
cblr-1712	34	38	consumers	consumer	NOUN
cblr-1712	34	39	where	where	SCONJ
cblr-1712	34	40	the	the	DET
cblr-1712	34	41	fees	fee	NOUN
cblr-1712	34	42	paid	pay	VERB
cblr-1712	34	43	to	to	ADP
cblr-1712	34	44	the	the	DET
cblr-1712	34	45	intermediaries	intermediary	NOUN
cblr-1712	34	46	accomplishing	accomplish	VERB
cblr-1712	34	47	the	the	DET
cblr-1712	34	48	distribution	distribution	NOUN
cblr-1712	34	49	often	often	ADV
cblr-1712	34	50	dwarf	dwarf	VERB
cblr-1712	34	51	the	the	DET
cblr-1712	34	52	amount	amount	NOUN
cblr-1712	34	53	paid	pay	VERB
cblr-1712	34	54	to	to	ADP
cblr-1712	34	55	consumers	consumer	NOUN
cblr-1712	34	56	.	.	PUNCT
cblr-1712	35	1	suppose	suppose	VERB
cblr-1712	35	2	that	that	SCONJ
cblr-1712	35	3	in	in	ADP
cblr-1712	35	4	this	this	DET
cblr-1712	35	5	same	same	ADJ
cblr-1712	35	6	system	system	NOUN
cblr-1712	35	7	,	,	PUNCT
cblr-1712	35	8	the	the	DET
cblr-1712	35	9	redistribution	redistribution	NOUN
cblr-1712	35	10	is	be	AUX
cblr-1712	35	11	so	so	ADV
cblr-1712	35	12	random	random	ADJ
cblr-1712	35	13	that	that	SCONJ
cblr-1712	35	14	only	only	ADV
cblr-1712	35	15	a	a	DET
cblr-1712	35	16	small	small	ADJ
cblr-1712	35	17	fraction	fraction	NOUN
cblr-1712	35	18	of	of	ADP
cblr-1712	35	19	consumers	consumer	NOUN
cblr-1712	35	20	ever	ever	ADV
cblr-1712	35	21	receive	receive	VERB
cblr-1712	35	22	any	any	DET
cblr-1712	35	23	payments	payment	NOUN
cblr-1712	35	24	at	at	ADV
cblr-1712	35	25	all	all	ADV
cblr-1712	35	26	.	.	PUNCT
cblr-1712	36	1	suppose	suppose	VERB
cblr-1712	36	2	that	that	SCONJ
cblr-1712	36	3	this	this	DET
cblr-1712	36	4	same	same	ADJ
cblr-1712	36	5	person	person	NOUN
cblr-1712	36	6	proposed	propose	VERB
cblr-1712	36	7	a	a	DET
cblr-1712	36	8	hypothetical	hypothetical	ADJ
cblr-1712	36	9	system	system	NOUN
cblr-1712	36	10	of	of	ADP
cblr-1712	36	11	deterrence	deterrence	NOUN
cblr-1712	36	12	in	in	ADP
cblr-1712	36	13	which	which	PRON
cblr-1712	36	14	the	the	DET
cblr-1712	36	15	conduct	conduct	NOUN
cblr-1712	36	16	being	be	AUX
cblr-1712	36	17	deterred	deter	VERB
cblr-1712	36	18	with	with	ADP
cblr-1712	36	19	civil	civil	ADJ
cblr-1712	36	20	damages	damage	NOUN
cblr-1712	36	21	more	more	ADV
cblr-1712	36	22	often	often	ADV
cblr-1712	36	23	than	than	SCONJ
cblr-1712	36	24	not	not	PART
cblr-1712	36	25	causes	cause	VERB
cblr-1712	36	26	no	no	DET
cblr-1712	36	27	harm	harm	NOUN
cblr-1712	36	28	to	to	ADP
cblr-1712	36	29	anyone	anyone	PRON
cblr-1712	36	30	.	.	PUNCT
cblr-1712	37	1	and	and	CCONJ
cblr-1712	37	2	now	now	ADV
cblr-1712	37	3	suppose	suppose	VERB
cblr-1712	37	4	,	,	PUNCT
cblr-1712	37	5	finally	finally	ADV
cblr-1712	37	6	,	,	PUNCT
cblr-1712	37	7	that	that	SCONJ
cblr-1712	37	8	someone	someone	PRON
cblr-1712	37	9	proposed	propose	VERB
cblr-1712	37	10	to	to	PART
cblr-1712	37	11	combine	combine	VERB
cblr-1712	37	12	all	all	DET
cblr-1712	37	13	these	these	DET
cblr-1712	37	14	systems	system	NOUN
cblr-1712	37	15	into	into	ADP
cblr-1712	37	16	a	a	DET
cblr-1712	37	17	single	single	ADJ
cblr-1712	37	18	complex	complex	NOUN
cblr-1712	37	19	and	and	CCONJ
cblr-1712	37	20	exorbitantly	exorbitantly	ADV
cblr-1712	37	21	expensive	expensive	ADJ
cblr-1712	37	22	institution	institution	NOUN
cblr-1712	37	23	.	.	PUNCT
cblr-1712	38	1	one	one	PRON
cblr-1712	38	2	might	might	AUX
cblr-1712	38	3	well	well	ADV
cblr-1712	38	4	suppose	suppose	VERB
cblr-1712	38	5	that	that	SCONJ
cblr-1712	38	6	no	no	DET
cblr-1712	38	7	rational	rational	ADJ
cblr-1712	38	8	person	person	NOUN
cblr-1712	38	9	would	would	AUX
cblr-1712	38	10	actually	actually	ADV
cblr-1712	38	11	support	support	VERB
cblr-1712	38	12	the	the	DET
cblr-1712	38	13	creation	creation	NOUN
cblr-1712	38	14	of	of	ADP
cblr-1712	38	15	this	this	DET
cblr-1712	38	16	system	system	NOUN
cblr-1712	38	17	.	.	PUNCT
cblr-1712	39	1	and	and	CCONJ
cblr-1712	39	2	yet	yet	ADV
cblr-1712	39	3	—	—	PUNCT
cblr-1712	39	4	based	base	VERB
cblr-1712	39	5	on	on	ADP
cblr-1712	39	6	data	datum	NOUN
cblr-1712	39	7	my	my	PRON
cblr-1712	39	8	research	research	NOUN
cblr-1712	39	9	assistants	assistant	NOUN
cblr-1712	40	1	and	and	CCONJ
cblr-1712	40	2	i	i	PRON
cblr-1712	40	3	have	have	AUX
cblr-1712	40	4	collected	collect	VERB
cblr-1712	40	5	on	on	ADP
cblr-1712	40	6	all	all	DET
cblr-1712	40	7	consumer	consumer	NOUN
cblr-1712	40	8	class	class	NOUN
cblr-1712	40	9	actions	action	NOUN
cblr-1712	40	10	filed	file	VERB
cblr-1712	40	11	in	in	ADP
cblr-1712	40	12	the	the	DET
cblr-1712	40	13	northern	northern	ADJ
cblr-1712	40	14	district	district	NOUN
cblr-1712	40	15	of	of	ADP
cblr-1712	40	16	illinois	illinois	PROPN
cblr-1712	40	17	from	from	ADP
cblr-1712	40	18	2010	2010	NUM
cblr-1712	40	19	through	through	ADP
cblr-1712	40	20	2012	2012	NUM
cblr-1712	40	21	(	(	PUNCT
cblr-1712	40	22	the	the	DET
cblr-1712	40	23	“	"	PUNCT
cblr-1712	40	24	illinois	illinois	PROPN
cblr-1712	40	25	data”)—classaction	data”)—classaction	NOUN
cblr-1712	40	26	lawsuits	lawsuit	NOUN
cblr-1712	40	27	under	under	ADP
cblr-1712	40	28	federal	federal	ADJ
cblr-1712	40	29	consumer	consumer	NOUN
cblr-1712	40	30	protection	protection	NOUN
cblr-1712	40	31	statutes	statute	NOUN
cblr-1712	40	32	constitute	constitute	VERB
cblr-1712	40	33	precisely	precisely	ADV
cblr-1712	40	34	such	such	DET
cblr-1712	40	35	a	a	DET
cblr-1712	40	36	system	system	NOUN
cblr-1712	40	37	.	.	PUNCT
cblr-1712	41	1	this	this	DET
cblr-1712	41	2	sample	sample	NOUN
cblr-1712	41	3	of	of	ADP
cblr-1712	41	4	consumer	consumer	NOUN
cblr-1712	41	5	class	class	NOUN
cblr-1712	41	6	actions	action	NOUN
cblr-1712	41	7	is	be	AUX
cblr-1712	41	8	the	the	DET
cblr-1712	41	9	largest	large	ADJ
cblr-1712	41	10	yet	yet	ADV
cblr-1712	41	11	studied	study	VERB
cblr-1712	41	12	whose	whose	DET
cblr-1712	41	13	results	result	NOUN
cblr-1712	41	14	can	can	AUX
cblr-1712	41	15	be	be	AUX
cblr-1712	41	16	subject	subject	ADJ
cblr-1712	41	17	to	to	ADP
cblr-1712	41	18	replication.1	replication.1	NOUN
cblr-1712	41	19	in	in	ADP
cblr-1712	41	20	brief	brief	ADJ
cblr-1712	41	21	summary	summary	NOUN
cblr-1712	41	22	,	,	PUNCT
cblr-1712	41	23	this	this	DET
cblr-1712	41	24	article	article	NOUN
cblr-1712	41	25	’s	’s	PART
cblr-1712	41	26	empirical	empirical	ADJ
cblr-1712	41	27	findings	finding	NOUN
cblr-1712	41	28	show	show	VERB
cblr-1712	41	29	that	that	SCONJ
cblr-1712	41	30	in	in	ADP
cblr-1712	41	31	at	at	ADP
cblr-1712	41	32	least	least	ADJ
cblr-1712	41	33	half	half	NOUN
cblr-1712	41	34	of	of	ADP
cblr-1712	41	35	the	the	DET
cblr-1712	41	36	class	class	NOUN
cblr-1712	41	37	actions	action	NOUN
cblr-1712	41	38	in	in	ADP
cblr-1712	41	39	our	our	PRON
cblr-1712	41	40	sample	sample	NOUN
cblr-1712	41	41	,	,	PUNCT
cblr-1712	41	42	the	the	DET
cblr-1712	41	43	plaintiffs	plaintiff	NOUN
cblr-1712	41	44	1	1	NUM
cblr-1712	41	45	our	our	PRON
cblr-1712	41	46	data	datum	NOUN
cblr-1712	41	47	on	on	ADP
cblr-1712	41	48	case	case	NOUN
cblr-1712	41	49	filings	filing	NOUN
cblr-1712	41	50	,	,	PUNCT
cblr-1712	41	51	coding	coding	NOUN
cblr-1712	41	52	,	,	PUNCT
cblr-1712	41	53	and	and	CCONJ
cblr-1712	41	54	class	class	NOUN
cblr-1712	41	55	settlements	settlement	NOUN
cblr-1712	41	56	for	for	ADP
cblr-1712	41	57	the	the	DET
cblr-1712	41	58	statutes	statute	NOUN
cblr-1712	41	59	studied	study	VERB
cblr-1712	41	60	here	here	ADV
cblr-1712	41	61	can	can	AUX
cblr-1712	41	62	be	be	AUX
cblr-1712	41	63	accessed	access	VERB
cblr-1712	41	64	at	at	ADP
cblr-1712	41	65	http://dx.doi.org/10.18130/v3/wr4rf9	http://dx.doi.org/10.18130/v3/wr4rf9	PROPN
cblr-1712	41	66	.	.	PUNCT
cblr-1712	42	1	the	the	DET
cblr-1712	42	2	consumer	consumer	NOUN
cblr-1712	42	3	financial	financial	PROPN
cblr-1712	42	4	protection	protection	PROPN
cblr-1712	42	5	bureau	bureau	PROPN
cblr-1712	42	6	’s	’s	PART
cblr-1712	42	7	dataset	dataset	NOUN
cblr-1712	42	8	on	on	ADP
cblr-1712	42	9	class	class	NOUN
cblr-1712	42	10	actions	action	NOUN
cblr-1712	42	11	,	,	PUNCT
cblr-1712	42	12	discussed	discuss	VERB
cblr-1712	42	13	infra	infra	NOUN
cblr-1712	42	14	,	,	PUNCT
cblr-1712	42	15	is	be	AUX
cblr-1712	42	16	not	not	PART
cblr-1712	42	17	and	and	CCONJ
cblr-1712	42	18	likely	likely	ADV
cblr-1712	42	19	will	will	AUX
cblr-1712	42	20	not	not	PART
cblr-1712	42	21	be	be	AUX
cblr-1712	42	22	publicly	publicly	ADV
cblr-1712	42	23	available	available	ADJ
cblr-1712	42	24	.	.	PUNCT
cblr-1712	43	1	johnston	johnston	PROPN
cblr-1712	43	2	–	–	PUNCT
cblr-1712	43	3	final	final	ADJ
cblr-1712	43	4	no	no	NOUN
cblr-1712	43	5	.	.	NOUN
cblr-1712	43	6	1:1	1:1	NUM
cblr-1712	43	7	]	]	X
cblr-1712	43	8	high	high	ADJ
cblr-1712	43	9	cost	cost	NOUN
cblr-1712	43	10	,	,	PUNCT
cblr-1712	43	11	little	little	ADJ
cblr-1712	43	12	compensation	compensation	NOUN
cblr-1712	43	13	5	5	NUM
cblr-1712	43	14	rely	rely	VERB
cblr-1712	43	15	on	on	ADP
cblr-1712	43	16	statutory	statutory	ADJ
cblr-1712	43	17	provisions	provision	NOUN
cblr-1712	43	18	that	that	PRON
cblr-1712	43	19	award	award	VERB
cblr-1712	43	20	statutory	statutory	ADJ
cblr-1712	43	21	damages	damage	NOUN
cblr-1712	43	22	with	with	ADP
cblr-1712	43	23	no	no	DET
cblr-1712	43	24	need	need	NOUN
cblr-1712	43	25	for	for	SCONJ
cblr-1712	43	26	the	the	DET
cblr-1712	43	27	plaintiffs	plaintiff	NOUN
cblr-1712	43	28	to	to	PART
cblr-1712	43	29	even	even	ADV
cblr-1712	43	30	allege	allege	VERB
cblr-1712	43	31	that	that	SCONJ
cblr-1712	43	32	they	they	PRON
cblr-1712	43	33	were	be	AUX
cblr-1712	43	34	harmed	harm	VERB
cblr-1712	43	35	.	.	PUNCT
cblr-1712	44	1	with	with	ADP
cblr-1712	44	2	or	or	CCONJ
cblr-1712	44	3	without	without	ADP
cblr-1712	44	4	harm	harm	NOUN
cblr-1712	44	5	allegations	allegation	NOUN
cblr-1712	44	6	,	,	PUNCT
cblr-1712	44	7	over	over	ADP
cblr-1712	44	8	80	80	NUM
cblr-1712	44	9	%	%	NOUN
cblr-1712	44	10	of	of	ADP
cblr-1712	44	11	filings	filing	NOUN
cblr-1712	44	12	end	end	VERB
cblr-1712	44	13	in	in	ADP
cblr-1712	44	14	settlement	settlement	NOUN
cblr-1712	44	15	.	.	PUNCT
cblr-1712	45	1	individual	individual	ADJ
cblr-1712	45	2	settlement	settlement	NOUN
cblr-1712	45	3	—	—	PUNCT
cblr-1712	45	4	where	where	SCONJ
cblr-1712	45	5	the	the	DET
cblr-1712	45	6	named	name	VERB
cblr-1712	45	7	plaintiff	plaintiff	NOUN
cblr-1712	45	8	settles	settle	VERB
cblr-1712	45	9	and	and	CCONJ
cblr-1712	45	10	dismisses	dismiss	VERB
cblr-1712	45	11	the	the	DET
cblr-1712	45	12	individual	individual	ADJ
cblr-1712	45	13	action	action	NOUN
cblr-1712	45	14	with	with	ADP
cblr-1712	45	15	prejudice	prejudice	NOUN
cblr-1712	45	16	—	—	PUNCT
cblr-1712	45	17	occurs	occur	VERB
cblr-1712	45	18	in	in	ADP
cblr-1712	45	19	over	over	ADP
cblr-1712	45	20	50	50	NUM
cblr-1712	45	21	%	%	NOUN
cblr-1712	45	22	of	of	ADP
cblr-1712	45	23	cases	case	NOUN
cblr-1712	45	24	.	.	PUNCT
cblr-1712	46	1	by	by	ADP
cblr-1712	46	2	comparison	comparison	NOUN
cblr-1712	46	3	,	,	PUNCT
cblr-1712	46	4	class	class	NOUN
cblr-1712	46	5	settlement	settlement	NOUN
cblr-1712	46	6	rates	rate	NOUN
cblr-1712	46	7	range	range	VERB
cblr-1712	46	8	from	from	ADP
cblr-1712	46	9	20	20	NUM
cblr-1712	46	10	%	%	NOUN
cblr-1712	46	11	to	to	ADP
cblr-1712	46	12	almost	almost	ADV
cblr-1712	46	13	40	40	NUM
cblr-1712	46	14	%	%	NOUN
cblr-1712	46	15	and	and	CCONJ
cblr-1712	46	16	generally	generally	ADV
cblr-1712	46	17	compensate	compensate	VERB
cblr-1712	46	18	only	only	ADV
cblr-1712	46	19	a	a	DET
cblr-1712	46	20	small	small	ADJ
cblr-1712	46	21	fraction	fraction	NOUN
cblr-1712	46	22	of	of	ADP
cblr-1712	46	23	the	the	DET
cblr-1712	46	24	class	class	NOUN
cblr-1712	46	25	.	.	PUNCT
cblr-1712	47	1	compensation	compensation	NOUN
cblr-1712	47	2	rates	rate	NOUN
cblr-1712	47	3	—	—	PUNCT
cblr-1712	47	4	the	the	DET
cblr-1712	47	5	fraction	fraction	NOUN
cblr-1712	47	6	of	of	ADP
cblr-1712	47	7	class	class	NOUN
cblr-1712	47	8	members	member	NOUN
cblr-1712	47	9	who	who	PRON
cblr-1712	47	10	actually	actually	ADV
cblr-1712	47	11	receive	receive	VERB
cblr-1712	47	12	compensation	compensation	NOUN
cblr-1712	47	13	—	—	PUNCT
cblr-1712	47	14	vary	vary	VERB
cblr-1712	47	15	tremendously	tremendously	ADV
cblr-1712	47	16	across	across	ADP
cblr-1712	47	17	case	case	NOUN
cblr-1712	47	18	types	type	NOUN
cblr-1712	47	19	even	even	ADV
cblr-1712	47	20	for	for	ADP
cblr-1712	47	21	cases	case	NOUN
cblr-1712	47	22	brought	bring	VERB
cblr-1712	47	23	under	under	ADP
cblr-1712	47	24	the	the	DET
cblr-1712	47	25	same	same	ADJ
cblr-1712	47	26	statute	statute	NOUN
cblr-1712	47	27	.	.	PUNCT
cblr-1712	48	1	however	however	ADV
cblr-1712	48	2	,	,	PUNCT
cblr-1712	48	3	the	the	DET
cblr-1712	48	4	biggest	big	ADJ
cblr-1712	48	5	class	class	NOUN
cblr-1712	48	6	actions	action	NOUN
cblr-1712	48	7	seeking	seek	VERB
cblr-1712	48	8	statutory	statutory	ADJ
cblr-1712	48	9	damages	damage	NOUN
cblr-1712	48	10	with	with	ADP
cblr-1712	48	11	no	no	DET
cblr-1712	48	12	allegation	allegation	NOUN
cblr-1712	48	13	of	of	ADP
cblr-1712	48	14	injury	injury	NOUN
cblr-1712	48	15	to	to	ADP
cblr-1712	48	16	the	the	DET
cblr-1712	48	17	plaintiff	plaintiff	NOUN
cblr-1712	48	18	have	have	VERB
cblr-1712	48	19	compensation	compensation	NOUN
cblr-1712	48	20	rates	rate	NOUN
cblr-1712	48	21	of	of	ADP
cblr-1712	48	22	10	10	NUM
cblr-1712	48	23	%	%	NOUN
cblr-1712	48	24	to	to	PART
cblr-1712	48	25	15	15	NUM
cblr-1712	48	26	%	%	NOUN
cblr-1712	48	27	.	.	PUNCT
cblr-1712	49	1	only	only	ADV
cblr-1712	49	2	in	in	ADP
cblr-1712	49	3	a	a	DET
cblr-1712	49	4	very	very	ADV
cblr-1712	49	5	small	small	ADJ
cblr-1712	49	6	number	number	NOUN
cblr-1712	49	7	of	of	ADP
cblr-1712	49	8	class	class	NOUN
cblr-1712	49	9	-	-	PUNCT
cblr-1712	49	10	action	action	NOUN
cblr-1712	49	11	settlements	settlement	NOUN
cblr-1712	49	12	do	do	VERB
cblr-1712	49	13	a	a	DET
cblr-1712	49	14	majority	majority	NOUN
cblr-1712	49	15	of	of	ADP
cblr-1712	49	16	class	class	NOUN
cblr-1712	49	17	members	member	NOUN
cblr-1712	49	18	receive	receive	VERB
cblr-1712	49	19	compensation	compensation	NOUN
cblr-1712	49	20	.	.	PUNCT
cblr-1712	50	1	our	our	PRON
cblr-1712	50	2	research	research	NOUN
cblr-1712	50	3	shows	show	VERB
cblr-1712	50	4	that	that	SCONJ
cblr-1712	50	5	the	the	DET
cblr-1712	50	6	cost	cost	NOUN
cblr-1712	50	7	of	of	ADP
cblr-1712	50	8	using	use	VERB
cblr-1712	50	9	the	the	DET
cblr-1712	50	10	consumer	consumer	NOUN
cblr-1712	50	11	class	class	NOUN
cblr-1712	50	12	-	-	PUNCT
cblr-1712	50	13	action	action	NOUN
cblr-1712	50	14	procedural	procedural	ADJ
cblr-1712	50	15	device	device	NOUN
cblr-1712	50	16	to	to	PART
cblr-1712	50	17	compensate	compensate	VERB
cblr-1712	50	18	such	such	DET
cblr-1712	50	19	a	a	DET
cblr-1712	50	20	small	small	ADJ
cblr-1712	50	21	fraction	fraction	NOUN
cblr-1712	50	22	of	of	ADP
cblr-1712	50	23	consumer	consumer	NOUN
cblr-1712	50	24	class	class	NOUN
cblr-1712	50	25	members	member	NOUN
cblr-1712	50	26	outweighs	outweigh	VERB
cblr-1712	50	27	the	the	DET
cblr-1712	50	28	aggregate	aggregate	ADJ
cblr-1712	50	29	amount	amount	NOUN
cblr-1712	50	30	delivered	deliver	VERB
cblr-1712	50	31	as	as	ADP
cblr-1712	50	32	compensation	compensation	NOUN
cblr-1712	50	33	to	to	ADP
cblr-1712	50	34	consumers	consumer	NOUN
cblr-1712	50	35	.	.	PUNCT
cblr-1712	51	1	because	because	SCONJ
cblr-1712	51	2	few	few	ADJ
cblr-1712	51	3	class	class	NOUN
cblr-1712	51	4	members	member	NOUN
cblr-1712	51	5	fill	fill	VERB
cblr-1712	51	6	out	out	ADP
cblr-1712	51	7	valid	valid	ADJ
cblr-1712	51	8	claim	claim	NOUN
cblr-1712	51	9	forms	form	NOUN
cblr-1712	51	10	,	,	PUNCT
cblr-1712	51	11	the	the	DET
cblr-1712	51	12	aggregate	aggregate	ADJ
cblr-1712	51	13	amount	amount	NOUN
cblr-1712	51	14	that	that	PRON
cblr-1712	51	15	class	class	NOUN
cblr-1712	51	16	members	member	NOUN
cblr-1712	51	17	typically	typically	ADV
cblr-1712	51	18	receive	receive	VERB
cblr-1712	51	19	comprises	comprise	VERB
cblr-1712	51	20	a	a	DET
cblr-1712	51	21	small	small	ADJ
cblr-1712	51	22	fraction	fraction	NOUN
cblr-1712	51	23	of	of	ADP
cblr-1712	51	24	the	the	DET
cblr-1712	51	25	nominal	nominal	ADJ
cblr-1712	51	26	or	or	CCONJ
cblr-1712	51	27	stated	state	VERB
cblr-1712	51	28	settlement	settlement	NOUN
cblr-1712	51	29	amount	amount	NOUN
cblr-1712	51	30	.	.	PUNCT
cblr-1712	52	1	since	since	SCONJ
cblr-1712	52	2	courts	court	NOUN
cblr-1712	52	3	base	base	VERB
cblr-1712	52	4	attorneys	attorney	NOUN
cblr-1712	52	5	’	'	PUNCT
cblr-1712	52	6	fees	fee	NOUN
cblr-1712	52	7	on	on	ADP
cblr-1712	52	8	the	the	DET
cblr-1712	52	9	nominal	nominal	ADJ
cblr-1712	52	10	or	or	CCONJ
cblr-1712	52	11	stated	state	VERB
cblr-1712	52	12	settlement	settlement	NOUN
cblr-1712	52	13	amount	amount	NOUN
cblr-1712	52	14	and	and	CCONJ
cblr-1712	52	15	not	not	PART
cblr-1712	52	16	the	the	DET
cblr-1712	52	17	actual	actual	ADJ
cblr-1712	52	18	money	money	NOUN
cblr-1712	52	19	paid	pay	VERB
cblr-1712	52	20	to	to	ADP
cblr-1712	52	21	class	class	NOUN
cblr-1712	52	22	members	member	NOUN
cblr-1712	52	23	,	,	PUNCT
cblr-1712	52	24	attorneys	attorney	NOUN
cblr-1712	52	25	’	'	PUNCT
cblr-1712	52	26	fees	fee	NOUN
cblr-1712	52	27	are	be	AUX
cblr-1712	52	28	a	a	DET
cblr-1712	52	29	very	very	ADV
cblr-1712	52	30	large	large	ADJ
cblr-1712	52	31	fraction	fraction	NOUN
cblr-1712	52	32	of	of	ADP
cblr-1712	52	33	the	the	DET
cblr-1712	52	34	actual	actual	ADJ
cblr-1712	52	35	class	class	NOUN
cblr-1712	52	36	recovery	recovery	NOUN
cblr-1712	52	37	.	.	PUNCT
cblr-1712	53	1	as	as	ADP
cblr-1712	53	2	a	a	DET
cblr-1712	53	3	result	result	NOUN
cblr-1712	53	4	,	,	PUNCT
cblr-1712	53	5	attorneys	attorney	NOUN
cblr-1712	53	6	’	'	PUNCT
cblr-1712	53	7	fees	fee	NOUN
cblr-1712	53	8	often	often	ADV
cblr-1712	53	9	equal	equal	VERB
cblr-1712	53	10	300%–400	300%–400	NUM
cblr-1712	53	11	%	%	NOUN
cblr-1712	53	12	of	of	ADP
cblr-1712	53	13	the	the	DET
cblr-1712	53	14	actual	actual	ADJ
cblr-1712	53	15	aggregate	aggregate	ADJ
cblr-1712	53	16	class	class	NOUN
cblr-1712	53	17	recovery	recovery	NOUN
cblr-1712	53	18	.	.	PUNCT
cblr-1712	54	1	such	such	ADJ
cblr-1712	54	2	disproportionate	disproportionate	ADJ
cblr-1712	54	3	attorneys	attorney	NOUN
cblr-1712	54	4	’	'	PUNCT
cblr-1712	54	5	fee	fee	NOUN
cblr-1712	54	6	awards	award	NOUN
cblr-1712	54	7	mostly	mostly	ADV
cblr-1712	54	8	arise	arise	VERB
cblr-1712	54	9	in	in	ADP
cblr-1712	54	10	settlements	settlement	NOUN
cblr-1712	54	11	that	that	PRON
cblr-1712	54	12	award	award	VERB
cblr-1712	54	13	a	a	DET
cblr-1712	54	14	very	very	ADV
cblr-1712	54	15	small	small	ADJ
cblr-1712	54	16	fraction	fraction	NOUN
cblr-1712	54	17	of	of	ADP
cblr-1712	54	18	consumers	consumer	NOUN
cblr-1712	54	19	any	any	DET
cblr-1712	54	20	compensation	compensation	NOUN
cblr-1712	54	21	and	and	CCONJ
cblr-1712	54	22	where	where	SCONJ
cblr-1712	54	23	the	the	DET
cblr-1712	54	24	harm	harm	NOUN
cblr-1712	54	25	to	to	ADP
cblr-1712	54	26	consumers	consumer	NOUN
cblr-1712	54	27	is	be	AUX
cblr-1712	54	28	very	very	ADV
cblr-1712	54	29	small	small	ADJ
cblr-1712	54	30	or	or	CCONJ
cblr-1712	54	31	even	even	ADV
cblr-1712	54	32	arguably	arguably	ADV
cblr-1712	54	33	nonexistent	nonexistent	ADJ
cblr-1712	54	34	.	.	PUNCT
cblr-1712	55	1	thus	thus	ADV
cblr-1712	55	2	,	,	PUNCT
cblr-1712	55	3	the	the	DET
cblr-1712	55	4	2010–2012	2010–2012	NUM
cblr-1712	55	5	illinois	illinois	PROPN
cblr-1712	55	6	data	data	PROPN
cblr-1712	55	7	depicts	depict	VERB
cblr-1712	55	8	class	class	NOUN
cblr-1712	55	9	-	-	PUNCT
cblr-1712	55	10	action	action	NOUN
cblr-1712	55	11	settlements	settlement	NOUN
cblr-1712	55	12	under	under	ADP
cblr-1712	55	13	federal	federal	ADJ
cblr-1712	55	14	consumer	consumer	NOUN
cblr-1712	55	15	protection	protection	NOUN
cblr-1712	55	16	statutes	statute	NOUN
cblr-1712	55	17	as	as	ADP
cblr-1712	55	18	a	a	DET
cblr-1712	55	19	mechanism	mechanism	NOUN
cblr-1712	55	20	of	of	ADP
cblr-1712	55	21	compensation	compensation	NOUN
cblr-1712	55	22	whose	whose	DET
cblr-1712	55	23	cost	cost	NOUN
cblr-1712	55	24	far	far	ADV
cblr-1712	55	25	exceeds	exceed	VERB
cblr-1712	55	26	actual	actual	ADJ
cblr-1712	55	27	class	class	NOUN
cblr-1712	55	28	recovery	recovery	NOUN
cblr-1712	55	29	and	and	CCONJ
cblr-1712	55	30	which	which	DET
cblr-1712	55	31	awards	award	NOUN
cblr-1712	55	32	recovery	recovery	NOUN
cblr-1712	55	33	only	only	ADV
cblr-1712	55	34	to	to	ADP
cblr-1712	55	35	a	a	DET
cblr-1712	55	36	small	small	ADJ
cblr-1712	55	37	johnston	johnston	NOUN
cblr-1712	55	38	–	–	PUNCT
cblr-1712	55	39	final	final	ADJ
cblr-1712	55	40	6	6	NUM
cblr-1712	55	41	columbia	columbia	PROPN
cblr-1712	55	42	business	business	NOUN
cblr-1712	55	43	law	law	PROPN
cblr-1712	55	44	review	review	NOUN
cblr-1712	56	1	[	[	X
cblr-1712	56	2	vol	vol	NOUN
cblr-1712	56	3	.	.	NOUN
cblr-1712	56	4	2017	2017	NUM
cblr-1712	56	5	fraction	fraction	NOUN
cblr-1712	56	6	of	of	ADP
cblr-1712	56	7	class	class	NOUN
cblr-1712	56	8	members.2	members.2	PROPN
cblr-1712	56	9	moreover	moreover	ADV
cblr-1712	56	10	,	,	PUNCT
cblr-1712	56	11	the	the	DET
cblr-1712	56	12	illinois	illinois	PROPN
cblr-1712	56	13	data	data	PROPN
cblr-1712	56	14	shows	show	VERB
cblr-1712	56	15	a	a	DET
cblr-1712	56	16	remarkable	remarkable	ADJ
cblr-1712	56	17	frequency	frequency	NOUN
cblr-1712	56	18	of	of	ADP
cblr-1712	56	19	class	class	NOUN
cblr-1712	56	20	-	-	PUNCT
cblr-1712	56	21	action	action	NOUN
cblr-1712	56	22	settlements	settlement	NOUN
cblr-1712	56	23	where	where	SCONJ
cblr-1712	56	24	the	the	DET
cblr-1712	56	25	wrongful	wrongful	ADJ
cblr-1712	56	26	conduct	conduct	NOUN
cblr-1712	56	27	was	be	AUX
cblr-1712	56	28	a	a	DET
cblr-1712	56	29	failure	failure	NOUN
cblr-1712	56	30	to	to	PART
cblr-1712	56	31	follow	follow	VERB
cblr-1712	56	32	notice	notice	NOUN
cblr-1712	56	33	and	and	CCONJ
cblr-1712	56	34	disclosure	disclosure	NOUN
cblr-1712	56	35	formalities	formality	NOUN
cblr-1712	56	36	—	—	PUNCT
cblr-1712	56	37	as	as	ADP
cblr-1712	56	38	under	under	ADP
cblr-1712	56	39	the	the	DET
cblr-1712	56	40	fair	fair	ADJ
cblr-1712	56	41	debt	debt	NOUN
cblr-1712	56	42	collection	collection	NOUN
cblr-1712	56	43	practices	practice	NOUN
cblr-1712	56	44	act	act	VERB
cblr-1712	56	45	(	(	PUNCT
cblr-1712	56	46	“	"	PUNCT
cblr-1712	56	47	fdcpa	fdcpa	PROPN
cblr-1712	56	48	”	"	PUNCT
cblr-1712	56	49	)	)	PUNCT
cblr-1712	56	50	or	or	CCONJ
cblr-1712	56	51	the	the	DET
cblr-1712	56	52	electronic	electronic	ADJ
cblr-1712	56	53	funds	fund	NOUN
cblr-1712	56	54	transfer	transfer	NOUN
cblr-1712	56	55	act	act	NOUN
cblr-1712	56	56	(	(	PUNCT
cblr-1712	56	57	“	"	PUNCT
cblr-1712	56	58	efta”)—or	efta”)—or	X
cblr-1712	56	59	a	a	DET
cblr-1712	56	60	harmless	harmless	ADJ
cblr-1712	56	61	clerical	clerical	ADJ
cblr-1712	56	62	error	error	NOUN
cblr-1712	56	63	—	—	PUNCT
cblr-1712	56	64	as	as	ADP
cblr-1712	56	65	in	in	ADP
cblr-1712	56	66	the	the	DET
cblr-1712	56	67	fair	fair	ADJ
cblr-1712	56	68	credit	credit	NOUN
cblr-1712	56	69	reporting	reporting	NOUN
cblr-1712	56	70	act	act	NOUN
cblr-1712	56	71	(	(	PUNCT
cblr-1712	56	72	“	"	PUNCT
cblr-1712	56	73	fcra	fcra	NOUN
cblr-1712	56	74	”	"	PUNCT
cblr-1712	56	75	)	)	PUNCT
cblr-1712	56	76	cases	case	NOUN
cblr-1712	56	77	,	,	PUNCT
cblr-1712	56	78	where	where	SCONJ
cblr-1712	56	79	a	a	DET
cblr-1712	56	80	merchant	merchant	NOUN
cblr-1712	56	81	printed	print	VERB
cblr-1712	56	82	a	a	DET
cblr-1712	56	83	credit	credit	NOUN
cblr-1712	56	84	card	card	NOUN
cblr-1712	56	85	receipt	receipt	NOUN
cblr-1712	56	86	containing	contain	VERB
cblr-1712	56	87	the	the	DET
cblr-1712	56	88	credit	credit	NOUN
cblr-1712	56	89	card	card	NOUN
cblr-1712	56	90	’s	’s	PART
cblr-1712	56	91	full	full	ADJ
cblr-1712	56	92	expiration	expiration	NOUN
cblr-1712	56	93	date	date	NOUN
cblr-1712	56	94	.	.	PUNCT
cblr-1712	57	1	most	most	ADJ
cblr-1712	57	2	defendants	defendant	NOUN
cblr-1712	57	3	who	who	PRON
cblr-1712	57	4	settle	settle	VERB
cblr-1712	57	5	such	such	ADJ
cblr-1712	57	6	cases	case	NOUN
cblr-1712	57	7	are	be	AUX
cblr-1712	57	8	small	small	ADJ
cblr-1712	57	9	or	or	CCONJ
cblr-1712	57	10	medium	medium	ADJ
cblr-1712	57	11	sized	sized	ADJ
cblr-1712	57	12	firms	firm	NOUN
cblr-1712	57	13	who	who	PRON
cblr-1712	57	14	have	have	AUX
cblr-1712	57	15	clearly	clearly	ADV
cblr-1712	57	16	violated	violate	VERB
cblr-1712	57	17	a	a	DET
cblr-1712	57	18	statutory	statutory	ADJ
cblr-1712	57	19	provision	provision	NOUN
cblr-1712	57	20	of	of	ADP
cblr-1712	57	21	whose	whose	DET
cblr-1712	57	22	existence	existence	NOUN
cblr-1712	57	23	they	they	PRON
cblr-1712	57	24	may	may	AUX
cblr-1712	57	25	well	well	ADV
cblr-1712	57	26	have	have	AUX
cblr-1712	57	27	been	be	AUX
cblr-1712	57	28	completely	completely	ADV
cblr-1712	57	29	unaware	unaware	ADJ
cblr-1712	57	30	.	.	PUNCT
cblr-1712	58	1	the	the	DET
cblr-1712	58	2	empirical	empirical	ADJ
cblr-1712	58	3	findings	finding	NOUN
cblr-1712	58	4	about	about	ADP
cblr-1712	58	5	class	class	NOUN
cblr-1712	58	6	-	-	PUNCT
cblr-1712	58	7	action	action	NOUN
cblr-1712	58	8	settlements	settlement	NOUN
cblr-1712	58	9	in	in	ADP
cblr-1712	58	10	this	this	DET
cblr-1712	58	11	article	article	NOUN
cblr-1712	58	12	illuminate	illuminate	VERB
cblr-1712	58	13	a	a	DET
cblr-1712	58	14	longstanding	longstanding	ADJ
cblr-1712	58	15	and	and	CCONJ
cblr-1712	58	16	increasingly	increasingly	ADV
cblr-1712	58	17	important	important	ADJ
cblr-1712	58	18	debate	debate	NOUN
cblr-1712	58	19	about	about	ADP
cblr-1712	58	20	the	the	DET
cblr-1712	58	21	performance	performance	NOUN
cblr-1712	58	22	of	of	ADP
cblr-1712	58	23	the	the	DET
cblr-1712	58	24	consumer	consumer	NOUN
cblr-1712	58	25	class	class	NOUN
cblr-1712	58	26	action	action	NOUN
cblr-1712	58	27	.	.	PUNCT
cblr-1712	59	1	few	few	ADJ
cblr-1712	59	2	civil	civil	ADJ
cblr-1712	59	3	justice	justice	NOUN
cblr-1712	59	4	institutions	institution	NOUN
cblr-1712	59	5	have	have	AUX
cblr-1712	59	6	been	be	AUX
cblr-1712	59	7	subject	subject	ADJ
cblr-1712	59	8	to	to	ADP
cblr-1712	59	9	as	as	ADV
cblr-1712	59	10	much	much	ADJ
cblr-1712	59	11	praise	praise	NOUN
cblr-1712	59	12	and	and	CCONJ
cblr-1712	59	13	criticism	criticism	NOUN
cblr-1712	59	14	as	as	ADP
cblr-1712	59	15	the	the	DET
cblr-1712	59	16	consumer	consumer	NOUN
cblr-1712	59	17	class	class	NOUN
cblr-1712	59	18	action	action	NOUN
cblr-1712	59	19	.	.	PUNCT
cblr-1712	60	1	to	to	ADP
cblr-1712	60	2	supporters	supporter	NOUN
cblr-1712	60	3	,	,	PUNCT
cblr-1712	60	4	the	the	DET
cblr-1712	60	5	consumer	consumer	NOUN
cblr-1712	60	6	class	class	NOUN
cblr-1712	60	7	action	action	NOUN
cblr-1712	60	8	is	be	AUX
cblr-1712	60	9	essential	essential	ADJ
cblr-1712	60	10	to	to	ADP
cblr-1712	60	11	the	the	DET
cblr-1712	60	12	vindication	vindication	NOUN
cblr-1712	60	13	of	of	ADP
cblr-1712	60	14	consumers	consumer	NOUN
cblr-1712	60	15	’	’	PART
cblr-1712	60	16	rights	right	NOUN
cblr-1712	60	17	in	in	ADP
cblr-1712	60	18	cases	case	NOUN
cblr-1712	60	19	involving	involve	VERB
cblr-1712	60	20	widespread	widespread	ADJ
cblr-1712	60	21	harms	harm	NOUN
cblr-1712	60	22	that	that	PRON
cblr-1712	60	23	may	may	AUX
cblr-1712	60	24	be	be	AUX
cblr-1712	60	25	large	large	ADJ
cblr-1712	60	26	in	in	ADP
cblr-1712	60	27	the	the	DET
cblr-1712	60	28	aggregate	aggregate	NOUN
cblr-1712	60	29	but	but	CCONJ
cblr-1712	60	30	which	which	PRON
cblr-1712	60	31	are	be	AUX
cblr-1712	60	32	too	too	ADV
cblr-1712	60	33	small	small	ADJ
cblr-1712	60	34	individually	individually	ADV
cblr-1712	60	35	to	to	PART
cblr-1712	60	36	be	be	AUX
cblr-1712	60	37	viable	viable	ADJ
cblr-1712	60	38	as	as	ADP
cblr-1712	60	39	individual	individual	ADJ
cblr-1712	60	40	lawsuits	lawsuit	NOUN
cblr-1712	60	41	.	.	PUNCT
cblr-1712	61	1	arguing	argue	VERB
cblr-1712	61	2	that	that	SCONJ
cblr-1712	61	3	such	such	ADJ
cblr-1712	61	4	small	small	ADJ
cblr-1712	61	5	dollar	dollar	NOUN
cblr-1712	61	6	claims	claim	NOUN
cblr-1712	61	7	represent	represent	VERB
cblr-1712	61	8	“	"	PUNCT
cblr-1712	61	9	most	most	ADJ
cblr-1712	61	10	”	"	PUNCT
cblr-1712	61	11	consumer	consumer	NOUN
cblr-1712	61	12	claims	claim	NOUN
cblr-1712	61	13	,	,	PUNCT
cblr-1712	61	14	adam	adam	PROPN
cblr-1712	61	15	levitin	levitin	PROPN
cblr-1712	61	16	argues	argue	VERB
cblr-1712	61	17	that	that	SCONJ
cblr-1712	61	18	preventing	prevent	VERB
cblr-1712	61	19	such	such	ADJ
cblr-1712	61	20	class	class	NOUN
cblr-1712	61	21	actions	action	NOUN
cblr-1712	61	22	“	"	PUNCT
cblr-1712	61	23	is	be	AUX
cblr-1712	61	24	a	a	DET
cblr-1712	61	25	license	license	NOUN
cblr-1712	61	26	for	for	SCONJ
cblr-1712	61	27	unscrupulous	unscrupulous	ADJ
cblr-1712	61	28	businesses	business	NOUN
cblr-1712	61	29	to	to	PART
cblr-1712	61	30	steal	steal	VERB
cblr-1712	61	31	from	from	ADP
cblr-1712	61	32	their	their	PRON
cblr-1712	61	33	consumers	consumer	NOUN
cblr-1712	61	34	.	.	PUNCT
cblr-1712	61	35	”3	”3	VERB
cblr-1712	61	36	without	without	ADP
cblr-1712	61	37	the	the	DET
cblr-1712	61	38	class	class	NOUN
cblr-1712	61	39	litigation	litigation	NOUN
cblr-1712	61	40	device	device	NOUN
cblr-1712	61	41	,	,	PUNCT
cblr-1712	61	42	he	he	PRON
cblr-1712	61	43	argues	argue	VERB
cblr-1712	61	44	,	,	PUNCT
cblr-1712	61	45	court	court	NOUN
cblr-1712	61	46	opinions	opinion	NOUN
cblr-1712	61	47	that	that	PRON
cblr-1712	61	48	produce	produce	VERB
cblr-1712	61	49	legal	legal	ADJ
cblr-1712	61	50	precedents	precedent	NOUN
cblr-1712	61	51	would	would	AUX
cblr-1712	61	52	not	not	PART
cblr-1712	61	53	be	be	AUX
cblr-1712	61	54	written	write	VERB
cblr-1712	61	55	,	,	PUNCT
cblr-1712	61	56	leaving	leave	VERB
cblr-1712	61	57	both	both	DET
cblr-1712	61	58	businesses	business	NOUN
cblr-1712	61	59	and	and	CCONJ
cblr-1712	61	60	trial	trial	NOUN
cblr-1712	61	61	attorneys	attorney	NOUN
cblr-1712	61	62	in	in	ADP
cblr-1712	61	63	the	the	DET
cblr-1712	61	64	dark	dark	NOUN
cblr-1712	61	65	as	as	ADP
cblr-1712	61	66	to	to	ADP
cblr-1712	61	67	consumer	consumer	NOUN
cblr-1712	61	68	legal	legal	ADJ
cblr-1712	61	69	rights	right	NOUN
cblr-1712	61	70	.	.	PUNCT
cblr-1712	62	1	2	2	NUM
cblr-1712	62	2	to	to	PART
cblr-1712	62	3	be	be	AUX
cblr-1712	62	4	sure	sure	ADJ
cblr-1712	62	5	,	,	PUNCT
cblr-1712	62	6	some	some	DET
cblr-1712	62	7	class	class	NOUN
cblr-1712	62	8	-	-	PUNCT
cblr-1712	62	9	action	action	NOUN
cblr-1712	62	10	settlements	settlement	NOUN
cblr-1712	62	11	allege	allege	VERB
cblr-1712	62	12	very	very	ADV
cblr-1712	62	13	concrete	concrete	ADJ
cblr-1712	62	14	harm	harm	NOUN
cblr-1712	62	15	to	to	ADP
cblr-1712	62	16	consumers	consumer	NOUN
cblr-1712	62	17	,	,	PUNCT
cblr-1712	62	18	such	such	ADJ
cblr-1712	62	19	as	as	ADP
cblr-1712	62	20	where	where	SCONJ
cblr-1712	62	21	a	a	DET
cblr-1712	62	22	debt	debt	NOUN
cblr-1712	62	23	collector	collector	NOUN
cblr-1712	62	24	harassed	harass	VERB
cblr-1712	62	25	a	a	DET
cblr-1712	62	26	debtor	debtor	NOUN
cblr-1712	62	27	in	in	ADP
cblr-1712	62	28	violation	violation	NOUN
cblr-1712	62	29	of	of	ADP
cblr-1712	62	30	the	the	DET
cblr-1712	62	31	fair	fair	ADJ
cblr-1712	62	32	debt	debt	NOUN
cblr-1712	62	33	collection	collection	NOUN
cblr-1712	62	34	practices	practice	NOUN
cblr-1712	62	35	act	act	VERB
cblr-1712	62	36	(	(	PUNCT
cblr-1712	62	37	“	"	PUNCT
cblr-1712	62	38	fdcpa	fdcpa	PROPN
cblr-1712	62	39	”	"	PUNCT
cblr-1712	62	40	)	)	PUNCT
cblr-1712	62	41	or	or	CCONJ
cblr-1712	62	42	where	where	SCONJ
cblr-1712	62	43	a	a	DET
cblr-1712	62	44	telemarketer	telemarketer	NOUN
cblr-1712	62	45	made	make	VERB
cblr-1712	62	46	repeated	repeat	VERB
cblr-1712	62	47	unconsented	unconsente	VERB
cblr-1712	62	48	autodialed	autodiale	VERB
cblr-1712	62	49	phone	phone	NOUN
cblr-1712	62	50	calls	call	NOUN
cblr-1712	62	51	to	to	ADP
cblr-1712	62	52	the	the	DET
cblr-1712	62	53	plaintiff	plaintiff	NOUN
cblr-1712	62	54	’s	’s	PART
cblr-1712	62	55	cellphone	cellphone	NOUN
cblr-1712	62	56	in	in	ADP
cblr-1712	62	57	violation	violation	NOUN
cblr-1712	62	58	of	of	ADP
cblr-1712	62	59	the	the	DET
cblr-1712	62	60	telephone	telephone	NOUN
cblr-1712	62	61	consumer	consumer	NOUN
cblr-1712	62	62	protection	protection	NOUN
cblr-1712	62	63	act	act	NOUN
cblr-1712	62	64	(	(	PUNCT
cblr-1712	62	65	“	"	PUNCT
cblr-1712	62	66	tcpa	tcpa	NOUN
cblr-1712	62	67	”	"	PUNCT
cblr-1712	62	68	)	)	PUNCT
cblr-1712	62	69	.	.	PUNCT
cblr-1712	63	1	3	3	NUM
cblr-1712	63	2	adam	adam	PROPN
cblr-1712	63	3	j.	j.	PROPN
cblr-1712	63	4	levitin	levitin	PROPN
cblr-1712	63	5	,	,	PUNCT
cblr-1712	63	6	mandatory	mandatory	ADJ
cblr-1712	63	7	arbitration	arbitration	NOUN
cblr-1712	63	8	offers	offer	VERB
cblr-1712	63	9	bargain	bargain	NOUN
cblr-1712	63	10	-	-	PUNCT
cblr-1712	63	11	basement	basement	NOUN
cblr-1712	63	12	justice	justice	NOUN
cblr-1712	63	13	,	,	PUNCT
cblr-1712	63	14	american	american	ADJ
cblr-1712	63	15	banker	banker	NOUN
cblr-1712	63	16	(	(	PUNCT
cblr-1712	63	17	may	may	PROPN
cblr-1712	63	18	13	13	NUM
cblr-1712	63	19	,	,	PUNCT
cblr-1712	63	20	2014	2014	NUM
cblr-1712	63	21	)	)	PUNCT
cblr-1712	63	22	,	,	PUNCT
cblr-1712	63	23	http://www.americanbanker.com/bankthink/mandatory-arbitration-offersbargain-basement-justice-1067419-1.html	http://www.americanbanker.com/bankthink/mandatory-arbitration-offersbargain-basement-justice-1067419-1.html	X
cblr-1712	64	1	[	[	X
cblr-1712	64	2	https://perma.cc/8cxr-47dg	https://perma.cc/8cxr-47dg	ADP
cblr-1712	64	3	]	]	X
cblr-1712	64	4	.	.	PUNCT
cblr-1712	65	1	johnston	johnston	PROPN
cblr-1712	65	2	–	–	PUNCT
cblr-1712	65	3	final	final	ADJ
cblr-1712	65	4	no	no	NOUN
cblr-1712	65	5	.	.	NOUN
cblr-1712	65	6	1:1	1:1	NUM
cblr-1712	65	7	]	]	X
cblr-1712	65	8	high	high	ADJ
cblr-1712	65	9	cost	cost	NOUN
cblr-1712	65	10	,	,	PUNCT
cblr-1712	65	11	little	little	ADJ
cblr-1712	65	12	compensation	compensation	NOUN
cblr-1712	65	13	7	7	NUM
cblr-1712	65	14	critics	critic	NOUN
cblr-1712	65	15	question	question	VERB
cblr-1712	65	16	these	these	DET
cblr-1712	65	17	supposed	suppose	VERB
cblr-1712	65	18	merits	merit	NOUN
cblr-1712	65	19	of	of	ADP
cblr-1712	65	20	class	class	NOUN
cblr-1712	65	21	actions	action	NOUN
cblr-1712	65	22	.	.	PUNCT
cblr-1712	66	1	for	for	ADP
cblr-1712	66	2	example	example	NOUN
cblr-1712	66	3	,	,	PUNCT
cblr-1712	66	4	george	george	PROPN
cblr-1712	66	5	priest	priest	PROPN
cblr-1712	66	6	argues	argue	VERB
cblr-1712	66	7	that	that	SCONJ
cblr-1712	66	8	class	class	NOUN
cblr-1712	66	9	actions	action	NOUN
cblr-1712	66	10	threaten	threaten	VERB
cblr-1712	66	11	firms	firm	NOUN
cblr-1712	66	12	with	with	ADP
cblr-1712	66	13	massive	massive	ADJ
cblr-1712	66	14	discovery	discovery	NOUN
cblr-1712	66	15	costs	cost	NOUN
cblr-1712	66	16	and	and	CCONJ
cblr-1712	66	17	induce	induce	VERB
cblr-1712	66	18	them	they	PRON
cblr-1712	66	19	to	to	PART
cblr-1712	66	20	settle	settle	VERB
cblr-1712	66	21	claims	claim	NOUN
cblr-1712	66	22	for	for	ADP
cblr-1712	66	23	huge	huge	ADJ
cblr-1712	66	24	amounts	amount	NOUN
cblr-1712	66	25	of	of	ADP
cblr-1712	66	26	money	money	NOUN
cblr-1712	66	27	“	"	PUNCT
cblr-1712	66	28	where	where	SCONJ
cblr-1712	66	29	there	there	PRON
cblr-1712	66	30	appears	appear	VERB
cblr-1712	66	31	to	to	PART
cblr-1712	66	32	be	be	AUX
cblr-1712	66	33	no	no	DET
cblr-1712	66	34	substantive	substantive	ADJ
cblr-1712	66	35	basis	basis	NOUN
cblr-1712	66	36	for	for	ADP
cblr-1712	66	37	defendant	defendant	NOUN
cblr-1712	66	38	liability	liability	NOUN
cblr-1712	66	39	.	.	PUNCT
cblr-1712	66	40	”4	”4	PUNCT
cblr-1712	67	1	martin	martin	PROPN
cblr-1712	67	2	redish	redish	PROPN
cblr-1712	67	3	argues	argue	VERB
cblr-1712	67	4	that	that	SCONJ
cblr-1712	67	5	,	,	PUNCT
cblr-1712	67	6	as	as	ADP
cblr-1712	67	7	in	in	ADP
cblr-1712	67	8	many	many	ADJ
cblr-1712	67	9	class	class	NOUN
cblr-1712	67	10	-	-	PUNCT
cblr-1712	67	11	action	action	NOUN
cblr-1712	67	12	settlements	settlement	NOUN
cblr-1712	67	13	the	the	DET
cblr-1712	67	14	actual	actual	ADJ
cblr-1712	67	15	class	class	NOUN
cblr-1712	67	16	members	member	NOUN
cblr-1712	67	17	receive	receive	VERB
cblr-1712	67	18	hardly	hardly	ADV
cblr-1712	67	19	any	any	DET
cblr-1712	67	20	true	true	ADJ
cblr-1712	67	21	compensation	compensation	NOUN
cblr-1712	67	22	and	and	CCONJ
cblr-1712	67	23	attorneys	attorney	NOUN
cblr-1712	67	24	’	'	PUNCT
cblr-1712	67	25	fees	fee	NOUN
cblr-1712	67	26	dwarf	dwarf	VERB
cblr-1712	67	27	aggregate	aggregate	ADJ
cblr-1712	67	28	class	class	NOUN
cblr-1712	67	29	compensation	compensation	NOUN
cblr-1712	67	30	,	,	PUNCT
cblr-1712	67	31	class	class	NOUN
cblr-1712	67	32	actions	action	NOUN
cblr-1712	67	33	represent	represent	VERB
cblr-1712	67	34	a	a	DET
cblr-1712	67	35	“	"	PUNCT
cblr-1712	67	36	wholly	wholly	ADV
cblr-1712	67	37	improper	improper	ADJ
cblr-1712	67	38	and	and	CCONJ
cblr-1712	67	39	unacceptable	unacceptable	ADJ
cblr-1712	67	40	departure	departure	NOUN
cblr-1712	67	41	from	from	ADP
cblr-1712	67	42	the	the	DET
cblr-1712	67	43	fundamental	fundamental	ADJ
cblr-1712	67	44	precepts	precept	NOUN
cblr-1712	67	45	of	of	ADP
cblr-1712	67	46	american	american	ADJ
cblr-1712	67	47	democracy	democracy	NOUN
cblr-1712	67	48	.	.	PUNCT
cblr-1712	67	49	”5	”5	PUNCT
cblr-1712	68	1	the	the	DET
cblr-1712	68	2	findings	finding	NOUN
cblr-1712	68	3	here	here	ADV
cblr-1712	68	4	confirm	confirm	VERB
cblr-1712	68	5	the	the	DET
cblr-1712	68	6	view	view	NOUN
cblr-1712	68	7	that	that	SCONJ
cblr-1712	68	8	class	class	NOUN
cblr-1712	68	9	-	-	PUNCT
cblr-1712	68	10	action	action	NOUN
cblr-1712	68	11	settlements	settlement	NOUN
cblr-1712	68	12	are	be	AUX
cblr-1712	68	13	more	more	ADV
cblr-1712	68	14	effective	effective	ADJ
cblr-1712	68	15	in	in	ADP
cblr-1712	68	16	transferring	transfer	VERB
cblr-1712	68	17	money	money	NOUN
cblr-1712	68	18	from	from	ADP
cblr-1712	68	19	the	the	DET
cblr-1712	68	20	defendant	defendant	NOUN
cblr-1712	68	21	to	to	ADP
cblr-1712	68	22	class	class	NOUN
cblr-1712	68	23	counsel	counsel	NOUN
cblr-1712	68	24	than	than	ADP
cblr-1712	68	25	in	in	ADP
cblr-1712	68	26	compensating	compensate	VERB
cblr-1712	68	27	class	class	NOUN
cblr-1712	68	28	members	member	NOUN
cblr-1712	68	29	.	.	PUNCT
cblr-1712	69	1	they	they	PRON
cblr-1712	69	2	show	show	VERB
cblr-1712	69	3	that	that	SCONJ
cblr-1712	69	4	the	the	DET
cblr-1712	69	5	cost	cost	NOUN
cblr-1712	69	6	of	of	ADP
cblr-1712	69	7	awarding	award	VERB
cblr-1712	69	8	compensation	compensation	NOUN
cblr-1712	69	9	via	via	ADP
cblr-1712	69	10	the	the	DET
cblr-1712	69	11	class	class	NOUN
cblr-1712	69	12	-	-	PUNCT
cblr-1712	69	13	action	action	NOUN
cblr-1712	69	14	mechanism	mechanism	NOUN
cblr-1712	69	15	often	often	ADV
cblr-1712	69	16	dwarfs	dwarf	VERB
cblr-1712	69	17	the	the	DET
cblr-1712	69	18	amount	amount	NOUN
cblr-1712	69	19	actually	actually	ADV
cblr-1712	69	20	paid	pay	VERB
cblr-1712	69	21	in	in	ADP
cblr-1712	69	22	aggregate	aggregate	NOUN
cblr-1712	69	23	to	to	ADP
cblr-1712	69	24	class	class	NOUN
cblr-1712	69	25	members	member	NOUN
cblr-1712	69	26	and	and	CCONJ
cblr-1712	69	27	that	that	SCONJ
cblr-1712	69	28	a	a	DET
cblr-1712	69	29	small	small	ADJ
cblr-1712	69	30	fraction	fraction	NOUN
cblr-1712	69	31	of	of	ADP
cblr-1712	69	32	class	class	NOUN
cblr-1712	69	33	members	member	NOUN
cblr-1712	69	34	receives	receive	VERB
cblr-1712	69	35	any	any	DET
cblr-1712	69	36	compensation	compensation	NOUN
cblr-1712	69	37	at	at	ADV
cblr-1712	69	38	all	all	ADV
cblr-1712	69	39	.	.	PUNCT
cblr-1712	70	1	judged	judge	VERB
cblr-1712	70	2	solely	solely	ADV
cblr-1712	70	3	as	as	ADP
cblr-1712	70	4	an	an	DET
cblr-1712	70	5	instrument	instrument	NOUN
cblr-1712	70	6	for	for	ADP
cblr-1712	70	7	compensating	compensate	VERB
cblr-1712	70	8	widespread	widespread	ADJ
cblr-1712	70	9	but	but	CCONJ
cblr-1712	70	10	small	small	ADJ
cblr-1712	70	11	harms	harm	NOUN
cblr-1712	70	12	,	,	PUNCT
cblr-1712	70	13	the	the	DET
cblr-1712	70	14	consumer	consumer	NOUN
cblr-1712	70	15	class	class	NOUN
cblr-1712	70	16	actions	action	NOUN
cblr-1712	70	17	reported	report	VERB
cblr-1712	70	18	on	on	ADP
cblr-1712	70	19	below	below	ADV
cblr-1712	70	20	are	be	AUX
cblr-1712	70	21	ineffective	ineffective	ADJ
cblr-1712	70	22	and	and	CCONJ
cblr-1712	70	23	exceedingly	exceedingly	ADV
cblr-1712	70	24	costly	costly	ADJ
cblr-1712	70	25	.	.	PUNCT
cblr-1712	71	1	in	in	ADP
cblr-1712	71	2	response	response	NOUN
cblr-1712	71	3	to	to	ADP
cblr-1712	71	4	these	these	DET
cblr-1712	71	5	findings	finding	NOUN
cblr-1712	71	6	,	,	PUNCT
cblr-1712	71	7	it	it	PRON
cblr-1712	71	8	may	may	AUX
cblr-1712	71	9	be	be	AUX
cblr-1712	71	10	argued	argue	VERB
cblr-1712	71	11	that	that	SCONJ
cblr-1712	71	12	even	even	ADV
cblr-1712	71	13	if	if	SCONJ
cblr-1712	71	14	they	they	PRON
cblr-1712	71	15	do	do	AUX
cblr-1712	71	16	not	not	PART
cblr-1712	71	17	award	award	VERB
cblr-1712	71	18	compensation	compensation	NOUN
cblr-1712	71	19	to	to	ADP
cblr-1712	71	20	very	very	ADV
cblr-1712	71	21	many	many	ADJ
cblr-1712	71	22	class	class	NOUN
cblr-1712	71	23	members	member	NOUN
cblr-1712	71	24	,	,	PUNCT
cblr-1712	71	25	class	class	NOUN
cblr-1712	71	26	-	-	PUNCT
cblr-1712	71	27	action	action	NOUN
cblr-1712	71	28	settlements	settlement	NOUN
cblr-1712	71	29	nonetheless	nonetheless	ADV
cblr-1712	71	30	may	may	AUX
cblr-1712	71	31	effectively	effectively	ADV
cblr-1712	71	32	deter	deter	VERB
cblr-1712	71	33	legal	legal	ADJ
cblr-1712	71	34	wrongdoing	wrongdoing	NOUN
cblr-1712	71	35	by	by	ADP
cblr-1712	71	36	defendants	defendant	NOUN
cblr-1712	71	37	.	.	PUNCT
cblr-1712	72	1	the	the	DET
cblr-1712	72	2	findings	finding	NOUN
cblr-1712	72	3	here	here	ADV
cblr-1712	72	4	suggest	suggest	VERB
cblr-1712	72	5	that	that	SCONJ
cblr-1712	72	6	for	for	ADP
cblr-1712	72	7	the	the	DET
cblr-1712	72	8	statutes	statute	NOUN
cblr-1712	72	9	studied	study	VERB
cblr-1712	72	10	,	,	PUNCT
cblr-1712	72	11	classaction	classaction	NOUN
cblr-1712	72	12	settlements	settlement	NOUN
cblr-1712	72	13	may	may	AUX
cblr-1712	72	14	be	be	AUX
cblr-1712	72	15	at	at	ADP
cblr-1712	72	16	best	good	ADJ
cblr-1712	72	17	problematic	problematic	ADJ
cblr-1712	72	18	on	on	ADP
cblr-1712	72	19	deterrence	deterrence	NOUN
cblr-1712	72	20	grounds	ground	NOUN
cblr-1712	72	21	.	.	PUNCT
cblr-1712	73	1	perhaps	perhaps	ADV
cblr-1712	73	2	our	our	PRON
cblr-1712	73	3	most	most	ADV
cblr-1712	73	4	striking	striking	ADJ
cblr-1712	73	5	finding	finding	NOUN
cblr-1712	73	6	is	be	AUX
cblr-1712	73	7	the	the	DET
cblr-1712	73	8	sheer	sheer	ADJ
cblr-1712	73	9	number	number	NOUN
cblr-1712	73	10	of	of	ADP
cblr-1712	73	11	consumer	consumer	NOUN
cblr-1712	73	12	class	class	NOUN
cblr-1712	73	13	-	-	PUNCT
cblr-1712	73	14	action	action	NOUN
cblr-1712	73	15	filings	filing	NOUN
cblr-1712	73	16	and	and	CCONJ
cblr-1712	73	17	settlements	settlement	NOUN
cblr-1712	73	18	4	4	NUM
cblr-1712	73	19	george	george	PROPN
cblr-1712	73	20	l.	l.	PROPN
cblr-1712	73	21	priest	priest	PROPN
cblr-1712	73	22	,	,	PUNCT
cblr-1712	73	23	what	what	PRON
cblr-1712	73	24	we	we	PRON
cblr-1712	73	25	know	know	VERB
cblr-1712	73	26	and	and	CCONJ
cblr-1712	73	27	what	what	PRON
cblr-1712	73	28	we	we	PRON
cblr-1712	73	29	do	do	AUX
cblr-1712	73	30	n’t	not	PART
cblr-1712	73	31	know	know	VERB
cblr-1712	73	32	about	about	ADP
cblr-1712	73	33	modern	modern	ADJ
cblr-1712	73	34	class	class	NOUN
cblr-1712	73	35	actions	action	NOUN
cblr-1712	73	36	:	:	PUNCT
cblr-1712	73	37	a	a	DET
cblr-1712	73	38	review	review	NOUN
cblr-1712	73	39	of	of	ADP
cblr-1712	73	40	the	the	DET
cblr-1712	73	41	eisenberg	eisenberg	PROPN
cblr-1712	73	42	-	-	PUNCT
cblr-1712	73	43	miller	miller	PROPN
cblr-1712	73	44	study	study	NOUN
cblr-1712	73	45	,	,	PUNCT
cblr-1712	73	46	9	9	NUM
cblr-1712	73	47	civ	civ	NOUN
cblr-1712	73	48	.	.	PUNCT
cblr-1712	74	1	just	just	ADV
cblr-1712	74	2	.	.	PUNCT
cblr-1712	75	1	rep	rep	PROPN
cblr-1712	75	2	.	.	PROPN
cblr-1712	75	3	1	1	NUM
cblr-1712	75	4	,	,	PUNCT
cblr-1712	75	5	4	4	NUM
cblr-1712	75	6	(	(	PUNCT
cblr-1712	75	7	2005	2005	NUM
cblr-1712	75	8	)	)	PUNCT
cblr-1712	75	9	.	.	PUNCT
cblr-1712	76	1	5	5	NUM
cblr-1712	76	2	see	see	VERB
cblr-1712	76	3	martin	martin	PROPN
cblr-1712	76	4	h.	h.	PROPN
cblr-1712	76	5	redish	redish	PROPN
cblr-1712	76	6	,	,	PUNCT
cblr-1712	76	7	class	class	NOUN
cblr-1712	76	8	actions	action	NOUN
cblr-1712	76	9	and	and	CCONJ
cblr-1712	76	10	the	the	DET
cblr-1712	76	11	democratic	democratic	ADJ
cblr-1712	76	12	difficulty	difficulty	NOUN
cblr-1712	76	13	:	:	PUNCT
cblr-1712	76	14	rethinking	rethink	VERB
cblr-1712	76	15	the	the	DET
cblr-1712	76	16	intersection	intersection	NOUN
cblr-1712	76	17	of	of	ADP
cblr-1712	76	18	private	private	ADJ
cblr-1712	76	19	litigation	litigation	NOUN
cblr-1712	76	20	and	and	CCONJ
cblr-1712	76	21	public	public	ADJ
cblr-1712	76	22	goals	goal	NOUN
cblr-1712	76	23	,	,	PUNCT
cblr-1712	76	24	2003	2003	NUM
cblr-1712	76	25	u.	u.	PROPN
cblr-1712	76	26	chi	chi	PROPN
cblr-1712	76	27	.	.	PUNCT
cblr-1712	77	1	l.f	l.f	PROPN
cblr-1712	77	2	.	.	PROPN
cblr-1712	77	3	71	71	NUM
cblr-1712	77	4	,	,	PUNCT
cblr-1712	77	5	81	81	NUM
cblr-1712	77	6	(	(	PUNCT
cblr-1712	77	7	2003	2003	NUM
cblr-1712	77	8	)	)	PUNCT
cblr-1712	77	9	.	.	PUNCT
cblr-1712	78	1	for	for	ADP
cblr-1712	78	2	a	a	DET
cblr-1712	78	3	further	further	ADJ
cblr-1712	78	4	elaboration	elaboration	NOUN
cblr-1712	78	5	of	of	ADP
cblr-1712	78	6	the	the	DET
cblr-1712	78	7	view	view	NOUN
cblr-1712	78	8	that	that	SCONJ
cblr-1712	78	9	contemporary	contemporary	ADJ
cblr-1712	78	10	class	class	NOUN
cblr-1712	78	11	actions	action	NOUN
cblr-1712	78	12	lack	lack	VERB
cblr-1712	78	13	both	both	CCONJ
cblr-1712	78	14	democratic	democratic	ADJ
cblr-1712	78	15	and	and	CCONJ
cblr-1712	78	16	constitutional	constitutional	ADJ
cblr-1712	78	17	legitimacy	legitimacy	NOUN
cblr-1712	78	18	,	,	PUNCT
cblr-1712	78	19	see	see	VERB
cblr-1712	78	20	martin	martin	PROPN
cblr-1712	78	21	h.	h.	PROPN
cblr-1712	78	22	redish	redish	PROPN
cblr-1712	78	23	,	,	PUNCT
cblr-1712	78	24	wholesale	wholesale	ADJ
cblr-1712	78	25	justice	justice	NOUN
cblr-1712	78	26	:	:	PUNCT
cblr-1712	78	27	constitutional	constitutional	ADJ
cblr-1712	78	28	democracy	democracy	NOUN
cblr-1712	78	29	and	and	CCONJ
cblr-1712	78	30	the	the	DET
cblr-1712	78	31	problem	problem	NOUN
cblr-1712	78	32	of	of	ADP
cblr-1712	78	33	the	the	DET
cblr-1712	78	34	class	class	NOUN
cblr-1712	78	35	action	action	NOUN
cblr-1712	78	36	lawsuit	lawsuit	NOUN
cblr-1712	78	37	(	(	PUNCT
cblr-1712	78	38	2009	2009	NUM
cblr-1712	78	39	)	)	PUNCT
cblr-1712	78	40	.	.	PUNCT
cblr-1712	79	1	johnston	johnston	PROPN
cblr-1712	79	2	–	–	PUNCT
cblr-1712	79	3	final	final	ADJ
cblr-1712	79	4	8	8	NUM
cblr-1712	79	5	columbia	columbia	PROPN
cblr-1712	79	6	business	business	NOUN
cblr-1712	79	7	law	law	PROPN
cblr-1712	79	8	review	review	NOUN
cblr-1712	79	9	[	[	X
cblr-1712	79	10	vol	vol	NOUN
cblr-1712	79	11	.	.	NOUN
cblr-1712	79	12	2017	2017	NUM
cblr-1712	79	13	under	under	ADP
cblr-1712	79	14	statutes	statute	NOUN
cblr-1712	79	15	awarding	award	VERB
cblr-1712	79	16	statutory	statutory	ADJ
cblr-1712	79	17	damages	damage	NOUN
cblr-1712	79	18	(	(	PUNCT
cblr-1712	79	19	up	up	ADP
cblr-1712	79	20	to	to	PART
cblr-1712	79	21	$	$	SYM
cblr-1712	79	22	1000	1000	NUM
cblr-1712	79	23	)	)	PUNCT
cblr-1712	79	24	for	for	ADP
cblr-1712	79	25	easy	easy	ADJ
cblr-1712	79	26	-	-	PUNCT
cblr-1712	79	27	to	to	AUX
cblr-1712	79	28	-	-	PUNCT
cblr-1712	79	29	prove	prove	VERB
cblr-1712	79	30	violations	violation	NOUN
cblr-1712	79	31	of	of	ADP
cblr-1712	79	32	statutory	statutory	ADJ
cblr-1712	79	33	disclosure	disclosure	NOUN
cblr-1712	79	34	and	and	CCONJ
cblr-1712	79	35	notice	notice	VERB
cblr-1712	79	36	formalities	formality	NOUN
cblr-1712	79	37	.	.	PUNCT
cblr-1712	80	1	class	class	NOUN
cblr-1712	80	2	-	-	PUNCT
cblr-1712	80	3	action	action	NOUN
cblr-1712	80	4	settlements	settlement	NOUN
cblr-1712	80	5	are	be	AUX
cblr-1712	80	6	much	much	ADV
cblr-1712	80	7	more	more	ADV
cblr-1712	80	8	likely	likely	ADJ
cblr-1712	80	9	in	in	ADP
cblr-1712	80	10	cases	case	NOUN
cblr-1712	80	11	where	where	SCONJ
cblr-1712	80	12	the	the	DET
cblr-1712	80	13	harm	harm	NOUN
cblr-1712	80	14	to	to	ADP
cblr-1712	80	15	consumers	consumer	NOUN
cblr-1712	80	16	seems	seem	VERB
cblr-1712	80	17	unclear	unclear	ADJ
cblr-1712	80	18	or	or	CCONJ
cblr-1712	80	19	nonexistent	nonexistent	ADJ
cblr-1712	80	20	—	—	PUNCT
cblr-1712	80	21	as	as	ADP
cblr-1712	80	22	where	where	SCONJ
cblr-1712	80	23	an	an	DET
cblr-1712	80	24	expiration	expiration	NOUN
cblr-1712	80	25	date	date	NOUN
cblr-1712	80	26	is	be	AUX
cblr-1712	80	27	printed	print	VERB
cblr-1712	80	28	on	on	ADP
cblr-1712	80	29	a	a	DET
cblr-1712	80	30	credit	credit	NOUN
cblr-1712	80	31	card	card	NOUN
cblr-1712	80	32	receipt	receipt	NOUN
cblr-1712	80	33	—	—	PUNCT
cblr-1712	80	34	than	than	ADP
cblr-1712	80	35	in	in	ADP
cblr-1712	80	36	cases	case	NOUN
cblr-1712	80	37	where	where	SCONJ
cblr-1712	80	38	the	the	DET
cblr-1712	80	39	harm	harm	NOUN
cblr-1712	80	40	seems	seem	VERB
cblr-1712	80	41	greater	great	ADJ
cblr-1712	80	42	—	—	PUNCT
cblr-1712	80	43	as	as	ADP
cblr-1712	80	44	where	where	SCONJ
cblr-1712	80	45	debt	debt	NOUN
cblr-1712	80	46	collectors	collector	NOUN
cblr-1712	80	47	harass	harass	VERB
cblr-1712	80	48	a	a	DET
cblr-1712	80	49	debtor	debtor	NOUN
cblr-1712	80	50	.	.	PUNCT
cblr-1712	81	1	it	it	PRON
cblr-1712	81	2	might	might	AUX
cblr-1712	81	3	well	well	ADV
cblr-1712	81	4	be	be	AUX
cblr-1712	81	5	a	a	DET
cblr-1712	81	6	surprise	surprise	NOUN
cblr-1712	81	7	to	to	ADP
cblr-1712	81	8	many	many	ADJ
cblr-1712	81	9	members	member	NOUN
cblr-1712	81	10	of	of	ADP
cblr-1712	81	11	congress	congress	PROPN
cblr-1712	81	12	that	that	SCONJ
cblr-1712	81	13	when	when	SCONJ
cblr-1712	81	14	they	they	PRON
cblr-1712	81	15	voted	vote	VERB
cblr-1712	81	16	for	for	ADP
cblr-1712	81	17	a	a	DET
cblr-1712	81	18	statute	statute	NOUN
cblr-1712	81	19	giving	give	VERB
cblr-1712	81	20	consumers	consumer	NOUN
cblr-1712	81	21	a	a	DET
cblr-1712	81	22	right	right	NOUN
cblr-1712	81	23	to	to	ADP
cblr-1712	81	24	statutory	statutory	ADJ
cblr-1712	81	25	damages	damage	NOUN
cblr-1712	81	26	with	with	ADP
cblr-1712	81	27	no	no	DET
cblr-1712	81	28	need	need	NOUN
cblr-1712	81	29	to	to	PART
cblr-1712	81	30	even	even	ADV
cblr-1712	81	31	allege	allege	VERB
cblr-1712	81	32	harm	harm	NOUN
cblr-1712	81	33	,	,	PUNCT
cblr-1712	81	34	they	they	PRON
cblr-1712	81	35	created	create	VERB
cblr-1712	81	36	an	an	DET
cblr-1712	81	37	enormously	enormously	ADV
cblr-1712	81	38	powerful	powerful	ADJ
cblr-1712	81	39	incentive	incentive	NOUN
cblr-1712	81	40	for	for	ADP
cblr-1712	81	41	class	class	NOUN
cblr-1712	81	42	counsel	counsel	NOUN
cblr-1712	81	43	to	to	PART
cblr-1712	81	44	bring	bring	VERB
cblr-1712	81	45	class	class	NOUN
cblr-1712	81	46	actions	action	NOUN
cblr-1712	81	47	where	where	SCONJ
cblr-1712	81	48	statutory	statutory	ADJ
cblr-1712	81	49	damages	damage	NOUN
cblr-1712	81	50	may	may	AUX
cblr-1712	81	51	greatly	greatly	ADV
cblr-1712	81	52	exceed	exceed	VERB
cblr-1712	81	53	actual	actual	ADJ
cblr-1712	81	54	harm	harm	NOUN
cblr-1712	81	55	and	and	CCONJ
cblr-1712	81	56	where	where	SCONJ
cblr-1712	81	57	the	the	DET
cblr-1712	81	58	defendant	defendant	NOUN
cblr-1712	81	59	is	be	AUX
cblr-1712	81	60	typically	typically	ADV
cblr-1712	81	61	a	a	DET
cblr-1712	81	62	small	small	ADJ
cblr-1712	81	63	firm	firm	NOUN
cblr-1712	81	64	that	that	PRON
cblr-1712	81	65	may	may	AUX
cblr-1712	81	66	have	have	AUX
cblr-1712	81	67	been	be	AUX
cblr-1712	81	68	unaware	unaware	ADJ
cblr-1712	81	69	of	of	ADP
cblr-1712	81	70	the	the	DET
cblr-1712	81	71	formalities	formality	NOUN
cblr-1712	81	72	required	require	VERB
cblr-1712	81	73	by	by	ADP
cblr-1712	81	74	statute	statute	PROPN
cblr-1712	81	75	.	.	PUNCT
cblr-1712	82	1	over	over	ADP
cblr-1712	82	2	the	the	DET
cblr-1712	82	3	past	past	ADJ
cblr-1712	82	4	several	several	ADJ
cblr-1712	82	5	years	year	NOUN
cblr-1712	82	6	,	,	PUNCT
cblr-1712	82	7	class	class	NOUN
cblr-1712	82	8	-	-	PUNCT
cblr-1712	82	9	action	action	NOUN
cblr-1712	82	10	settlements	settlement	NOUN
cblr-1712	82	11	under	under	ADP
cblr-1712	82	12	no	no	DET
cblr-1712	82	13	-	-	PUNCT
cblr-1712	82	14	harm	harm	NOUN
cblr-1712	82	15	consumer	consumer	NOUN
cblr-1712	82	16	-	-	PUNCT
cblr-1712	82	17	protection	protection	NOUN
cblr-1712	82	18	statutory	statutory	ADJ
cblr-1712	82	19	provisions	provision	NOUN
cblr-1712	82	20	have	have	AUX
cblr-1712	82	21	been	be	AUX
cblr-1712	82	22	the	the	DET
cblr-1712	82	23	focus	focus	NOUN
cblr-1712	82	24	of	of	ADP
cblr-1712	82	25	actions	action	NOUN
cblr-1712	82	26	by	by	ADP
cblr-1712	82	27	both	both	DET
cblr-1712	82	28	congress	congress	PROPN
cblr-1712	82	29	and	and	CCONJ
cblr-1712	82	30	the	the	DET
cblr-1712	82	31	courts	court	NOUN
cblr-1712	82	32	.	.	PUNCT
cblr-1712	83	1	both	both	DET
cblr-1712	83	2	houses	house	NOUN
cblr-1712	83	3	of	of	ADP
cblr-1712	83	4	congress	congress	PROPN
cblr-1712	83	5	have	have	AUX
cblr-1712	83	6	recently	recently	ADV
cblr-1712	83	7	passed	pass	VERB
cblr-1712	83	8	legislation	legislation	NOUN
cblr-1712	83	9	requiring	require	VERB
cblr-1712	83	10	class	class	NOUN
cblr-1712	83	11	members	member	NOUN
cblr-1712	83	12	to	to	PART
cblr-1712	83	13	have	have	AUX
cblr-1712	83	14	sustained	sustain	VERB
cblr-1712	83	15	an	an	DET
cblr-1712	83	16	actual	actual	ADJ
cblr-1712	83	17	injury	injury	NOUN
cblr-1712	83	18	of	of	ADP
cblr-1712	83	19	the	the	DET
cblr-1712	83	20	same	same	ADJ
cblr-1712	83	21	sort	sort	NOUN
cblr-1712	83	22	alleged	allege	VERB
cblr-1712	83	23	by	by	ADP
cblr-1712	83	24	the	the	DET
cblr-1712	83	25	named	name	VERB
cblr-1712	83	26	plaintiff.6	plaintiff.6	PROPN
cblr-1712	83	27	during	during	ADP
cblr-1712	83	28	its	its	PRON
cblr-1712	83	29	2015–2016	2015–2016	NUM
cblr-1712	83	30	term	term	NOUN
cblr-1712	83	31	,	,	PUNCT
cblr-1712	83	32	the	the	DET
cblr-1712	83	33	united	united	PROPN
cblr-1712	83	34	states	states	PROPN
cblr-1712	83	35	supreme	supreme	PROPN
cblr-1712	83	36	court	court	PROPN
cblr-1712	83	37	heard	hear	VERB
cblr-1712	83	38	two	two	NUM
cblr-1712	83	39	cases	case	NOUN
cblr-1712	83	40	—	—	PUNCT
cblr-1712	83	41	campbell	campbell	PROPN
cblr-1712	83	42	-	-	PUNCT
cblr-1712	83	43	ewald	ewald	PROPN
cblr-1712	83	44	co.	co.	PROPN
cblr-1712	83	45	v.	v.	ADP
cblr-1712	83	46	gomez7	gomez7	PROPN
cblr-1712	83	47	and	and	CCONJ
cblr-1712	83	48	spokeo	spokeo	PROPN
cblr-1712	83	49	,	,	PUNCT
cblr-1712	83	50	inc	inc	PROPN
cblr-1712	83	51	.	.	PROPN
cblr-1712	84	1	v.	v.	ADP
cblr-1712	84	2	robins8	robins8	PROPN
cblr-1712	84	3	—	—	PUNCT
cblr-1712	84	4	arising	arise	VERB
cblr-1712	84	5	under	under	ADP
cblr-1712	84	6	two	two	NUM
cblr-1712	84	7	of	of	ADP
cblr-1712	84	8	the	the	DET
cblr-1712	84	9	federal	federal	ADJ
cblr-1712	84	10	consumer	consumer	NOUN
cblr-1712	84	11	protection	protection	NOUN
cblr-1712	84	12	statutes	statute	NOUN
cblr-1712	84	13	discussed	discuss	VERB
cblr-1712	84	14	below.9	below.9	PROPN
cblr-1712	84	15	campbell	campbell	PROPN
cblr-1712	84	16	-	-	PUNCT
cblr-1712	84	17	ewald	ewald	PROPN
cblr-1712	84	18	involved	involve	VERB
cblr-1712	84	19	the	the	DET
cblr-1712	84	20	procedural	procedural	ADJ
cblr-1712	84	21	question	question	NOUN
cblr-1712	84	22	of	of	ADP
cblr-1712	84	23	whether	whether	SCONJ
cblr-1712	84	24	a	a	DET
cblr-1712	84	25	class	class	NOUN
cblr-1712	84	26	defendant	defendant	NOUN
cblr-1712	84	27	can	can	AUX
cblr-1712	84	28	effectively	effectively	ADV
cblr-1712	84	29	moot	moot	VERB
cblr-1712	84	30	a	a	DET
cblr-1712	84	31	class	class	NOUN
cblr-1712	84	32	action	action	NOUN
cblr-1712	84	33	by	by	ADP
cblr-1712	84	34	offering	offer	VERB
cblr-1712	84	35	to	to	PART
cblr-1712	84	36	pay	pay	VERB
cblr-1712	84	37	full	full	ADJ
cblr-1712	84	38	judgment	judgment	NOUN
cblr-1712	84	39	to	to	ADP
cblr-1712	84	40	the	the	DET
cblr-1712	84	41	named	name	VERB
cblr-1712	84	42	plaintiff	plaintiff	NOUN
cblr-1712	84	43	before	before	SCONJ
cblr-1712	84	44	that	that	DET
cblr-1712	84	45	plaintiff	plaintiff	NOUN
cblr-1712	84	46	moves	move	VERB
cblr-1712	84	47	to	to	PART
cblr-1712	84	48	certify	certify	VERB
cblr-1712	84	49	the	the	DET
cblr-1712	84	50	class.10	class.10	NOUN
cblr-1712	84	51	as	as	SCONJ
cblr-1712	84	52	discussed	discuss	VERB
cblr-1712	84	53	below	below	ADV
cblr-1712	84	54	,	,	PUNCT
cblr-1712	84	55	defendants	defendant	NOUN
cblr-1712	84	56	have	have	AUX
cblr-1712	84	57	used	use	VERB
cblr-1712	84	58	this	this	DET
cblr-1712	84	59	tactic	tactic	NOUN
cblr-1712	84	60	in	in	ADP
cblr-1712	84	61	one	one	NUM
cblr-1712	84	62	type	type	NOUN
cblr-1712	84	63	of	of	ADP
cblr-1712	84	64	case	case	NOUN
cblr-1712	84	65	included	include	VERB
cblr-1712	84	66	6	6	NUM
cblr-1712	84	67	fairness	fairness	NOUN
cblr-1712	84	68	in	in	ADP
cblr-1712	84	69	class	class	NOUN
cblr-1712	84	70	litigation	litigation	NOUN
cblr-1712	84	71	and	and	CCONJ
cblr-1712	84	72	furthering	further	VERB
cblr-1712	84	73	asbestos	asbestos	NOUN
cblr-1712	84	74	claim	claim	NOUN
cblr-1712	84	75	transparency	transparency	NOUN
cblr-1712	84	76	act	act	NOUN
cblr-1712	84	77	of	of	ADP
cblr-1712	84	78	2016	2016	NUM
cblr-1712	84	79	,	,	PUNCT
cblr-1712	84	80	h.r	h.r	PROPN
cblr-1712	84	81	.	.	PROPN
cblr-1712	84	82	1927	1927	NUM
cblr-1712	84	83	,	,	PUNCT
cblr-1712	84	84	114th	114th	PROPN
cblr-1712	84	85	cong	cong	NOUN
cblr-1712	84	86	.	.	PUNCT
cblr-1712	85	1	(	(	PUNCT
cblr-1712	85	2	2016	2016	NUM
cblr-1712	85	3	)	)	PUNCT
cblr-1712	85	4	.	.	PUNCT
cblr-1712	86	1	7	7	NUM
cblr-1712	86	2	136	136	NUM
cblr-1712	86	3	s.	s.	PROPN
cblr-1712	86	4	ct	ct	PROPN
cblr-1712	86	5	.	.	PROPN
cblr-1712	86	6	663	663	NUM
cblr-1712	86	7	(	(	PUNCT
cblr-1712	86	8	2016	2016	NUM
cblr-1712	86	9	)	)	PUNCT
cblr-1712	86	10	.	.	PUNCT
cblr-1712	87	1	8	8	NUM
cblr-1712	87	2	136	136	NUM
cblr-1712	87	3	s.	s.	PROPN
cblr-1712	87	4	ct	ct	PROPN
cblr-1712	87	5	.	.	PROPN
cblr-1712	87	6	1540	1540	NUM
cblr-1712	87	7	(	(	PUNCT
cblr-1712	87	8	2016	2016	NUM
cblr-1712	87	9	)	)	PUNCT
cblr-1712	87	10	.	.	PUNCT
cblr-1712	88	1	9	9	NUM
cblr-1712	88	2	campbell	campbell	PROPN
cblr-1712	88	3	-	-	PUNCT
cblr-1712	88	4	ewald	ewald	PROPN
cblr-1712	88	5	was	be	AUX
cblr-1712	88	6	a	a	DET
cblr-1712	88	7	case	case	NOUN
cblr-1712	88	8	under	under	ADP
cblr-1712	88	9	the	the	DET
cblr-1712	88	10	tcpa	tcpa	NOUN
cblr-1712	88	11	,	,	PUNCT
cblr-1712	88	12	discussed	discuss	VERB
cblr-1712	88	13	infra	infra	NOUN
cblr-1712	88	14	at	at	ADP
cblr-1712	88	15	notes	note	NOUN
cblr-1712	88	16	140–50	140–50	NUM
cblr-1712	88	17	,	,	PUNCT
cblr-1712	88	18	while	while	SCONJ
cblr-1712	88	19	spokeo	spokeo	PROPN
cblr-1712	88	20	was	be	AUX
cblr-1712	88	21	a	a	DET
cblr-1712	88	22	case	case	NOUN
cblr-1712	88	23	under	under	ADP
cblr-1712	88	24	the	the	DET
cblr-1712	88	25	fcra	fcra	NOUN
cblr-1712	88	26	,	,	PUNCT
cblr-1712	88	27	discussed	discuss	VERB
cblr-1712	88	28	infra	infra	NOUN
cblr-1712	88	29	at	at	ADP
cblr-1712	88	30	notes	note	NOUN
cblr-1712	88	31	104–28	104–28	NUM
cblr-1712	88	32	.	.	PUNCT
cblr-1712	89	1	10	10	NUM
cblr-1712	89	2	136	136	NUM
cblr-1712	89	3	s.	s.	PROPN
cblr-1712	89	4	ct	ct	PROPN
cblr-1712	89	5	.	.	PUNCT
cblr-1712	90	1	at	at	ADP
cblr-1712	90	2	666	666	NUM
cblr-1712	90	3	.	.	PUNCT
cblr-1712	91	1	johnston	johnston	PROPN
cblr-1712	91	2	–	–	PUNCT
cblr-1712	91	3	final	final	ADJ
cblr-1712	91	4	no	no	NOUN
cblr-1712	91	5	.	.	NOUN
cblr-1712	91	6	1:1	1:1	NUM
cblr-1712	91	7	]	]	X
cblr-1712	91	8	high	high	ADJ
cblr-1712	91	9	cost	cost	NOUN
cblr-1712	91	10	,	,	PUNCT
cblr-1712	91	11	little	little	ADJ
cblr-1712	91	12	compensation	compensation	NOUN
cblr-1712	91	13	9	9	NUM
cblr-1712	91	14	in	in	ADP
cblr-1712	91	15	the	the	DET
cblr-1712	91	16	illinois	illinois	PROPN
cblr-1712	91	17	data	data	PROPN
cblr-1712	91	18	,	,	PUNCT
cblr-1712	91	19	one	one	NUM
cblr-1712	91	20	where	where	SCONJ
cblr-1712	91	21	the	the	DET
cblr-1712	91	22	plaintiff	plaintiff	NOUN
cblr-1712	91	23	alleges	allege	VERB
cblr-1712	91	24	that	that	SCONJ
cblr-1712	91	25	an	an	DET
cblr-1712	91	26	atm	atm	NOUN
cblr-1712	91	27	provider	provider	NOUN
cblr-1712	91	28	violated	violate	VERB
cblr-1712	91	29	the	the	DET
cblr-1712	91	30	efta	efta	NOUN
cblr-1712	91	31	by	by	ADP
cblr-1712	91	32	failing	fail	VERB
cblr-1712	91	33	to	to	PART
cblr-1712	91	34	have	have	VERB
cblr-1712	91	35	a	a	DET
cblr-1712	91	36	notice	notice	NOUN
cblr-1712	91	37	of	of	ADP
cblr-1712	91	38	fees	fee	NOUN
cblr-1712	91	39	“	"	PUNCT
cblr-1712	91	40	on	on	ADP
cblr-1712	91	41	or	or	CCONJ
cblr-1712	91	42	at	at	ADP
cblr-1712	91	43	”	"	PUNCT
cblr-1712	91	44	the	the	DET
cblr-1712	91	45	atm	atm	ADJ
cblr-1712	91	46	machine.11	machine.11	NOUN
cblr-1712	91	47	but	but	CCONJ
cblr-1712	91	48	this	this	DET
cblr-1712	91	49	tactic	tactic	NOUN
cblr-1712	91	50	disappeared	disappear	VERB
cblr-1712	91	51	from	from	ADP
cblr-1712	91	52	use	use	NOUN
cblr-1712	91	53	once	once	SCONJ
cblr-1712	91	54	class	class	NOUN
cblr-1712	91	55	counsel	counsel	NOUN
cblr-1712	91	56	began	begin	VERB
cblr-1712	91	57	avoiding	avoid	VERB
cblr-1712	91	58	the	the	DET
cblr-1712	91	59	problem	problem	NOUN
cblr-1712	91	60	by	by	ADP
cblr-1712	91	61	moving	move	VERB
cblr-1712	91	62	quickly	quickly	ADV
cblr-1712	91	63	to	to	PART
cblr-1712	91	64	certify	certify	VERB
cblr-1712	91	65	the	the	DET
cblr-1712	91	66	class	class	NOUN
cblr-1712	91	67	or	or	CCONJ
cblr-1712	91	68	simply	simply	ADV
cblr-1712	91	69	telling	tell	VERB
cblr-1712	91	70	the	the	DET
cblr-1712	91	71	court	court	NOUN
cblr-1712	91	72	that	that	SCONJ
cblr-1712	91	73	they	they	PRON
cblr-1712	91	74	would	would	AUX
cblr-1712	91	75	soon	soon	ADV
cblr-1712	91	76	do	do	VERB
cblr-1712	91	77	so.12	so.12	NOUN
cblr-1712	91	78	if	if	SCONJ
cblr-1712	91	79	the	the	DET
cblr-1712	91	80	illinois	illinois	PROPN
cblr-1712	91	81	data	data	PROPN
cblr-1712	91	82	reveals	reveal	VERB
cblr-1712	91	83	that	that	SCONJ
cblr-1712	91	84	the	the	DET
cblr-1712	91	85	campbell	campbell	PROPN
cblr-1712	91	86	-	-	PUNCT
cblr-1712	91	87	ewald	ewald	PROPN
cblr-1712	91	88	offer	offer	NOUN
cblr-1712	91	89	of	of	ADP
cblr-1712	91	90	judgment	judgment	NOUN
cblr-1712	91	91	/	/	SYM
cblr-1712	91	92	mootness	mootness	NOUN
cblr-1712	91	93	issue13	issue13	NOUN
cblr-1712	91	94	may	may	AUX
cblr-1712	91	95	be	be	AUX
cblr-1712	91	96	of	of	ADP
cblr-1712	91	97	little	little	ADJ
cblr-1712	91	98	practical	practical	ADJ
cblr-1712	91	99	significance	significance	NOUN
cblr-1712	91	100	,	,	PUNCT
cblr-1712	91	101	the	the	DET
cblr-1712	91	102	same	same	ADJ
cblr-1712	91	103	is	be	AUX
cblr-1712	91	104	not	not	PART
cblr-1712	91	105	true	true	ADJ
cblr-1712	91	106	of	of	ADP
cblr-1712	91	107	the	the	DET
cblr-1712	91	108	issue	issue	NOUN
cblr-1712	91	109	in	in	ADP
cblr-1712	91	110	spokeo	spokeo	PROPN
cblr-1712	91	111	.	.	PUNCT
cblr-1712	92	1	plaintiffs	plaintiff	NOUN
cblr-1712	92	2	in	in	ADP
cblr-1712	92	3	spokeo	spokeo	PROPN
cblr-1712	92	4	sought	seek	VERB
cblr-1712	92	5	statutory	statutory	ADJ
cblr-1712	92	6	damages	damage	NOUN
cblr-1712	92	7	of	of	ADP
cblr-1712	92	8	$	$	SYM
cblr-1712	92	9	100	100	NUM
cblr-1712	92	10	to	to	PART
cblr-1712	92	11	$	$	SYM
cblr-1712	92	12	1000	1000	NUM
cblr-1712	92	13	under	under	ADP
cblr-1712	92	14	the	the	DET
cblr-1712	92	15	fcra	fcra	NOUN
cblr-1712	92	16	against	against	ADP
cblr-1712	92	17	a	a	DET
cblr-1712	92	18	“	"	PUNCT
cblr-1712	92	19	people	people	NOUN
cblr-1712	92	20	search	search	NOUN
cblr-1712	92	21	engine	engine	NOUN
cblr-1712	92	22	”	"	PUNCT
cblr-1712	92	23	website	website	NOUN
cblr-1712	92	24	that	that	PRON
cblr-1712	92	25	allegedly	allegedly	ADV
cblr-1712	92	26	misstated	misstate	VERB
cblr-1712	92	27	information	information	NOUN
cblr-1712	92	28	about	about	ADP
cblr-1712	92	29	the	the	DET
cblr-1712	92	30	plaintiffs	plaintiff	NOUN
cblr-1712	92	31	’	'	PUNCT
cblr-1712	92	32	age	age	NOUN
cblr-1712	92	33	,	,	PUNCT
cblr-1712	92	34	marital	marital	ADJ
cblr-1712	92	35	status	status	NOUN
cblr-1712	92	36	,	,	PUNCT
cblr-1712	92	37	education	education	NOUN
cblr-1712	92	38	,	,	PUNCT
cblr-1712	92	39	and	and	CCONJ
cblr-1712	92	40	professional	professional	ADJ
cblr-1712	92	41	experience.14	experience.14	PROPN
cblr-1712	92	42	the	the	DET
cblr-1712	92	43	fcra	fcra	NOUN
cblr-1712	92	44	permits	permit	VERB
cblr-1712	92	45	statutory	statutory	ADJ
cblr-1712	92	46	damages	damage	NOUN
cblr-1712	92	47	without	without	ADP
cblr-1712	92	48	requiring	require	VERB
cblr-1712	92	49	proof	proof	NOUN
cblr-1712	92	50	of	of	ADP
cblr-1712	92	51	harm	harm	NOUN
cblr-1712	92	52	for	for	ADP
cblr-1712	92	53	the	the	DET
cblr-1712	92	54	publication	publication	NOUN
cblr-1712	92	55	of	of	ADP
cblr-1712	92	56	a	a	DET
cblr-1712	92	57	false	false	ADJ
cblr-1712	92	58	report.15	report.15	NOUN
cblr-1712	92	59	the	the	DET
cblr-1712	92	60	defendant	defendant	NOUN
cblr-1712	92	61	in	in	ADP
cblr-1712	92	62	spokeo	spokeo	PROPN
cblr-1712	92	63	argued	argue	VERB
cblr-1712	92	64	that	that	SCONJ
cblr-1712	92	65	such	such	ADJ
cblr-1712	92	66	no	no	DET
cblr-1712	92	67	-	-	PUNCT
cblr-1712	92	68	harm	harm	NOUN
cblr-1712	92	69	class	class	NOUN
cblr-1712	92	70	actions	action	NOUN
cblr-1712	92	71	can	can	AUX
cblr-1712	92	72	not	not	PART
cblr-1712	92	73	be	be	AUX
cblr-1712	92	74	brought	bring	VERB
cblr-1712	92	75	unless	unless	SCONJ
cblr-1712	92	76	the	the	DET
cblr-1712	92	77	plaintiff	plaintiff	NOUN
cblr-1712	92	78	establishes	establish	VERB
cblr-1712	92	79	constitutional	constitutional	ADJ
cblr-1712	92	80	article	article	NOUN
cblr-1712	92	81	iii	iii	X
cblr-1712	92	82	standing	stand	VERB
cblr-1712	92	83	by	by	ADP
cblr-1712	92	84	alleging	allege	VERB
cblr-1712	92	85	that	that	SCONJ
cblr-1712	92	86	she	she	PRON
cblr-1712	92	87	suffered	suffer	VERB
cblr-1712	92	88	an	an	DET
cblr-1712	92	89	actual	actual	ADJ
cblr-1712	92	90	injury.16	injury.16	NOUN
cblr-1712	92	91	the	the	DET
cblr-1712	92	92	court	court	NOUN
cblr-1712	92	93	held	hold	VERB
cblr-1712	92	94	that	that	SCONJ
cblr-1712	92	95	the	the	DET
cblr-1712	92	96	alleged	allege	VERB
cblr-1712	92	97	injury	injury	NOUN
cblr-1712	92	98	must	must	AUX
cblr-1712	92	99	be	be	AUX
cblr-1712	92	100	both	both	PRON
cblr-1712	92	101	“	"	PUNCT
cblr-1712	92	102	particularized	particularize	VERB
cblr-1712	92	103	”	"	PUNCT
cblr-1712	92	104	and	and	CCONJ
cblr-1712	92	105	“	"	PUNCT
cblr-1712	92	106	concrete	concrete	NOUN
cblr-1712	92	107	”	"	PUNCT
cblr-1712	92	108	to	to	PART
cblr-1712	92	109	satisfy	satisfy	VERB
cblr-1712	92	110	article	article	PROPN
cblr-1712	92	111	iii	iii	PROPN
cblr-1712	92	112	standing	standing	NOUN
cblr-1712	92	113	requirements	requirement	NOUN
cblr-1712	92	114	but	but	CCONJ
cblr-1712	92	115	that	that	SCONJ
cblr-1712	92	116	such	such	DET
cblr-1712	92	117	a	a	DET
cblr-1712	92	118	concrete	concrete	ADJ
cblr-1712	92	119	injury	injury	NOUN
cblr-1712	92	120	could	could	AUX
cblr-1712	92	121	include	include	VERB
cblr-1712	92	122	“	"	PUNCT
cblr-1712	92	123	intangible	intangible	ADJ
cblr-1712	92	124	”	"	PUNCT
cblr-1712	92	125	harm.17	harm.17	NOUN
cblr-1712	92	126	our	our	PRON
cblr-1712	92	127	empirical	empirical	ADJ
cblr-1712	92	128	findings	finding	NOUN
cblr-1712	92	129	show	show	VERB
cblr-1712	92	130	that	that	SCONJ
cblr-1712	92	131	class	class	NOUN
cblr-1712	92	132	actions	action	NOUN
cblr-1712	92	133	under	under	ADP
cblr-1712	92	134	no	no	DET
cblr-1712	92	135	-	-	PUNCT
cblr-1712	92	136	harm	harm	NOUN
cblr-1712	92	137	provisions	provision	NOUN
cblr-1712	92	138	—	—	PUNCT
cblr-1712	92	139	such	such	ADJ
cblr-1712	92	140	as	as	ADP
cblr-1712	92	141	that	that	PRON
cblr-1712	92	142	in	in	ADP
cblr-1712	92	143	spokeo	spokeo	PROPN
cblr-1712	92	144	—	—	PUNCT
cblr-1712	92	145	make	make	VERB
cblr-1712	92	146	up	up	ADP
cblr-1712	92	147	about	about	ADV
cblr-1712	92	148	half	half	NOUN
cblr-1712	92	149	of	of	ADP
cblr-1712	92	150	all	all	DET
cblr-1712	92	151	filings	filing	NOUN
cblr-1712	92	152	under	under	ADP
cblr-1712	92	153	federal	federal	ADJ
cblr-1712	92	154	consumer	consumer	NOUN
cblr-1712	92	155	protection	protection	NOUN
cblr-1712	92	156	statutes	statute	NOUN
cblr-1712	92	157	and	and	CCONJ
cblr-1712	92	158	thus	thus	ADV
cblr-1712	92	159	show	show	VERB
cblr-1712	92	160	the	the	DET
cblr-1712	92	161	significance	significance	NOUN
cblr-1712	92	162	of	of	ADP
cblr-1712	92	163	the	the	DET
cblr-1712	92	164	standing	stand	VERB
cblr-1712	92	165	decision	decision	NOUN
cblr-1712	92	166	in	in	ADP
cblr-1712	92	167	spokeo	spokeo	PROPN
cblr-1712	92	168	.	.	PUNCT
cblr-1712	93	1	after	after	ADP
cblr-1712	93	2	presenting	present	VERB
cblr-1712	93	3	the	the	DET
cblr-1712	93	4	evidence	evidence	NOUN
cblr-1712	93	5	,	,	PUNCT
cblr-1712	93	6	this	this	DET
cblr-1712	93	7	article	article	NOUN
cblr-1712	93	8	evaluates	evaluate	VERB
cblr-1712	93	9	the	the	DET
cblr-1712	93	10	possibility	possibility	NOUN
cblr-1712	93	11	11	11	NUM
cblr-1712	93	12	see	see	NOUN
cblr-1712	93	13	infra	infra	NOUN
cblr-1712	93	14	notes	note	VERB
cblr-1712	93	15	73–100	73–100	PROPN
cblr-1712	93	16	and	and	CCONJ
cblr-1712	93	17	accompanying	accompany	VERB
cblr-1712	93	18	text	text	NOUN
cblr-1712	93	19	.	.	PUNCT
cblr-1712	94	1	12	12	NUM
cblr-1712	94	2	for	for	ADP
cblr-1712	94	3	an	an	DET
cblr-1712	94	4	example	example	NOUN
cblr-1712	94	5	of	of	ADP
cblr-1712	94	6	this	this	DET
cblr-1712	94	7	tactic	tactic	NOUN
cblr-1712	94	8	,	,	PUNCT
cblr-1712	94	9	see	see	VERB
cblr-1712	94	10	memorandum	memorandum	NOUN
cblr-1712	94	11	in	in	ADP
cblr-1712	94	12	support	support	NOUN
cblr-1712	94	13	of	of	ADP
cblr-1712	94	14	plaintiff	plaintiff	NOUN
cblr-1712	94	15	’s	’s	PART
cblr-1712	94	16	motion	motion	NOUN
cblr-1712	94	17	for	for	ADP
cblr-1712	94	18	class	class	NOUN
cblr-1712	94	19	certification	certification	NOUN
cblr-1712	94	20	,	,	PUNCT
cblr-1712	94	21	core	core	NOUN
cblr-1712	94	22	v.	v.	PROPN
cblr-1712	94	23	bradley	bradley	PROPN
cblr-1712	94	24	wings	wing	NOUN
cblr-1712	94	25	,	,	PUNCT
cblr-1712	94	26	no	no	NOUN
cblr-1712	94	27	.	.	NOUN
cblr-1712	95	1	10	10	NUM
cblr-1712	95	2	-	-	PUNCT
cblr-1712	95	3	cv05900	cv05900	NOUN
cblr-1712	95	4	(	(	PUNCT
cblr-1712	95	5	n.d	n.d	PROPN
cblr-1712	95	6	.	.	PROPN
cblr-1712	95	7	ill	ill	PROPN
cblr-1712	95	8	.	.	PUNCT
cblr-1712	96	1	sept	sept	PROPN
cblr-1712	96	2	.	.	PROPN
cblr-1712	96	3	16	16	NUM
cblr-1712	96	4	,	,	PUNCT
cblr-1712	96	5	2010	2010	NUM
cblr-1712	96	6	)	)	PUNCT
cblr-1712	96	7	,	,	PUNCT
cblr-1712	96	8	ecf	ecf	PROPN
cblr-1712	96	9	no	no	INTJ
cblr-1712	96	10	.	.	PROPN
cblr-1712	96	11	8	8	NUM
cblr-1712	96	12	,	,	PUNCT
cblr-1712	96	13	where	where	SCONJ
cblr-1712	96	14	the	the	DET
cblr-1712	96	15	plaintiff	plaintiff	NOUN
cblr-1712	96	16	filed	file	VERB
cblr-1712	96	17	a	a	DET
cblr-1712	96	18	motion	motion	NOUN
cblr-1712	96	19	to	to	PART
cblr-1712	96	20	certify	certify	VERB
cblr-1712	96	21	the	the	DET
cblr-1712	96	22	class	class	NOUN
cblr-1712	96	23	,	,	PUNCT
cblr-1712	96	24	with	with	ADP
cblr-1712	96	25	accompanying	accompany	VERB
cblr-1712	96	26	supporting	support	VERB
cblr-1712	96	27	memorandum	memorandum	NOUN
cblr-1712	96	28	,	,	PUNCT
cblr-1712	96	29	four	four	NUM
cblr-1712	96	30	days	day	NOUN
cblr-1712	96	31	after	after	ADP
cblr-1712	96	32	filing	file	VERB
cblr-1712	96	33	the	the	DET
cblr-1712	96	34	complaint	complaint	NOUN
cblr-1712	96	35	.	.	PUNCT
cblr-1712	97	1	13	13	NUM
cblr-1712	97	2	see	see	VERB
cblr-1712	97	3	campbell	campbell	PROPN
cblr-1712	97	4	-	-	PUNCT
cblr-1712	97	5	ewald	ewald	PROPN
cblr-1712	97	6	,	,	PUNCT
cblr-1712	97	7	136	136	NUM
cblr-1712	97	8	s.	s.	PROPN
cblr-1712	97	9	ct	ct	PROPN
cblr-1712	97	10	.	.	PUNCT
cblr-1712	98	1	at	at	ADP
cblr-1712	98	2	670–72	670–72	NUM
cblr-1712	98	3	.	.	PUNCT
cblr-1712	99	1	14	14	NUM
cblr-1712	99	2	spokeo	spokeo	NOUN
cblr-1712	99	3	,	,	PUNCT
cblr-1712	99	4	136	136	NUM
cblr-1712	99	5	s.ct	s.ct	NOUN
cblr-1712	99	6	.	.	PUNCT
cblr-1712	99	7	at	at	ADP
cblr-1712	99	8	1545	1545	NUM
cblr-1712	99	9	.	.	PUNCT
cblr-1712	100	1	15	15	NUM
cblr-1712	100	2	see	see	VERB
cblr-1712	100	3	i	i	PROPN
cblr-1712	100	4	d.	d.	PROPN
cblr-1712	100	5	16	16	NUM
cblr-1712	100	6	reply	reply	NOUN
cblr-1712	100	7	brief	brief	ADJ
cblr-1712	100	8	for	for	ADP
cblr-1712	100	9	petitioner	petitioner	NOUN
cblr-1712	100	10	at	at	ADP
cblr-1712	100	11	15–16	15–16	NUM
cblr-1712	100	12	,	,	PUNCT
cblr-1712	100	13	spokeo	spokeo	PROPN
cblr-1712	100	14	,	,	PUNCT
cblr-1712	100	15	inc	inc	PROPN
cblr-1712	100	16	.	.	PROPN
cblr-1712	101	1	v.	v.	ADP
cblr-1712	101	2	robins	robin	NOUN
cblr-1712	101	3	,	,	PUNCT
cblr-1712	101	4	136	136	NUM
cblr-1712	101	5	s.	s.	PROPN
cblr-1712	101	6	ct	ct	PROPN
cblr-1712	101	7	.	.	PROPN
cblr-1712	102	1	1540	1540	NUM
cblr-1712	102	2	(	(	PUNCT
cblr-1712	102	3	2016	2016	NUM
cblr-1712	102	4	)	)	PUNCT
cblr-1712	102	5	(	(	PUNCT
cblr-1712	102	6	no	no	INTJ
cblr-1712	102	7	.	.	NOUN
cblr-1712	102	8	13	13	NUM
cblr-1712	102	9	-	-	SYM
cblr-1712	102	10	1339	1339	NUM
cblr-1712	102	11	)	)	PUNCT
cblr-1712	102	12	,	,	PUNCT
cblr-1712	102	13	2015	2015	NUM
cblr-1712	102	14	wl	wl	NOUN
cblr-1712	102	15	5731782	5731782	NUM
cblr-1712	102	16	.	.	PUNCT
cblr-1712	103	1	17	17	NUM
cblr-1712	103	2	see	see	VERB
cblr-1712	103	3	spokeo	spokeo	NOUN
cblr-1712	103	4	,	,	PUNCT
cblr-1712	103	5	136	136	NUM
cblr-1712	103	6	s.	s.	PROPN
cblr-1712	103	7	ct	ct	PROPN
cblr-1712	103	8	.	.	PUNCT
cblr-1712	104	1	at	at	ADP
cblr-1712	104	2	1548	1548	NUM
cblr-1712	104	3	.	.	PUNCT
cblr-1712	105	1	johnston	johnston	PROPN
cblr-1712	105	2	–	–	PUNCT
cblr-1712	105	3	final	final	ADJ
cblr-1712	105	4	10	10	NUM
cblr-1712	105	5	columbia	columbia	PROPN
cblr-1712	105	6	business	business	NOUN
cblr-1712	105	7	law	law	PROPN
cblr-1712	105	8	review	review	NOUN
cblr-1712	105	9	[	[	X
cblr-1712	105	10	vol	vol	NOUN
cblr-1712	105	11	.	.	NOUN
cblr-1712	105	12	2017	2017	NUM
cblr-1712	105	13	that	that	PRON
cblr-1712	105	14	courts	court	NOUN
cblr-1712	105	15	might	might	AUX
cblr-1712	105	16	use	use	VERB
cblr-1712	105	17	spokeo	spokeo	PROPN
cblr-1712	105	18	’s	’s	PART
cblr-1712	105	19	standing	standing	PROPN
cblr-1712	105	20	test	test	NOUN
cblr-1712	105	21	to	to	PART
cblr-1712	105	22	improve	improve	VERB
cblr-1712	105	23	the	the	DET
cblr-1712	105	24	performance	performance	NOUN
cblr-1712	105	25	of	of	ADP
cblr-1712	105	26	class	class	NOUN
cblr-1712	105	27	actions	action	NOUN
cblr-1712	105	28	under	under	ADP
cblr-1712	105	29	federal	federal	ADJ
cblr-1712	105	30	consumer	consumer	NOUN
cblr-1712	105	31	protection	protection	NOUN
cblr-1712	105	32	statutes	statute	NOUN
cblr-1712	105	33	such	such	ADJ
cblr-1712	105	34	as	as	ADP
cblr-1712	105	35	the	the	DET
cblr-1712	105	36	fcra	fcra	NOUN
cblr-1712	105	37	.	.	PUNCT
cblr-1712	106	1	the	the	DET
cblr-1712	106	2	empirical	empirical	ADJ
cblr-1712	106	3	findings	finding	NOUN
cblr-1712	106	4	in	in	ADP
cblr-1712	106	5	this	this	DET
cblr-1712	106	6	article	article	NOUN
cblr-1712	106	7	also	also	ADV
cblr-1712	106	8	bear	bear	VERB
cblr-1712	106	9	on	on	ADP
cblr-1712	106	10	the	the	DET
cblr-1712	106	11	major	major	ADJ
cblr-1712	106	12	market	market	NOUN
cblr-1712	106	13	alternative	alternative	NOUN
cblr-1712	106	14	to	to	ADP
cblr-1712	106	15	class	class	NOUN
cblr-1712	106	16	-	-	PUNCT
cblr-1712	106	17	action	action	NOUN
cblr-1712	106	18	litigation	litigation	NOUN
cblr-1712	106	19	:	:	PUNCT
cblr-1712	106	20	mandatory	mandatory	ADJ
cblr-1712	106	21	consumer	consumer	NOUN
cblr-1712	106	22	arbitration	arbitration	NOUN
cblr-1712	106	23	.	.	PUNCT
cblr-1712	107	1	for	for	ADP
cblr-1712	107	2	years	year	NOUN
cblr-1712	107	3	,	,	PUNCT
cblr-1712	107	4	state	state	NOUN
cblr-1712	107	5	courts	court	NOUN
cblr-1712	107	6	and	and	CCONJ
cblr-1712	107	7	consumer	consumer	NOUN
cblr-1712	107	8	advocates	advocate	NOUN
cblr-1712	107	9	have	have	AUX
cblr-1712	107	10	decried	decry	VERB
cblr-1712	107	11	clauses	clause	NOUN
cblr-1712	107	12	in	in	ADP
cblr-1712	107	13	consumer	consumer	NOUN
cblr-1712	107	14	contracts	contract	NOUN
cblr-1712	107	15	requiring	require	VERB
cblr-1712	107	16	consumers	consumer	NOUN
cblr-1712	107	17	to	to	PART
cblr-1712	107	18	arbitrate	arbitrate	VERB
cblr-1712	107	19	disputes	dispute	NOUN
cblr-1712	107	20	and	and	CCONJ
cblr-1712	107	21	prohibiting	prohibit	VERB
cblr-1712	107	22	consumers	consumer	NOUN
cblr-1712	107	23	from	from	ADP
cblr-1712	107	24	bringing	bring	VERB
cblr-1712	107	25	(	(	PUNCT
cblr-1712	107	26	or	or	CCONJ
cblr-1712	107	27	joining	join	VERB
cblr-1712	107	28	)	)	PUNCT
cblr-1712	107	29	class	class	NOUN
cblr-1712	107	30	actions	action	NOUN
cblr-1712	107	31	.	.	PUNCT
cblr-1712	108	1	state	state	NOUN
cblr-1712	108	2	courts	court	NOUN
cblr-1712	108	3	and	and	CCONJ
cblr-1712	108	4	consumer	consumer	NOUN
cblr-1712	108	5	advocates	advocate	NOUN
cblr-1712	108	6	have	have	AUX
cblr-1712	108	7	argued	argue	VERB
cblr-1712	108	8	that	that	SCONJ
cblr-1712	108	9	arbitration	arbitration	NOUN
cblr-1712	108	10	can	can	AUX
cblr-1712	108	11	not	not	PART
cblr-1712	108	12	adequately	adequately	ADV
cblr-1712	108	13	substitute	substitute	VERB
cblr-1712	108	14	the	the	DET
cblr-1712	108	15	class	class	NOUN
cblr-1712	108	16	action	action	NOUN
cblr-1712	108	17	as	as	ADP
cblr-1712	108	18	an	an	DET
cblr-1712	108	19	instrument	instrument	NOUN
cblr-1712	108	20	of	of	ADP
cblr-1712	108	21	compensation	compensation	NOUN
cblr-1712	108	22	and	and	CCONJ
cblr-1712	108	23	deterrence	deterrence	NOUN
cblr-1712	108	24	.	.	PUNCT
cblr-1712	109	1	for	for	ADP
cblr-1712	109	2	example	example	NOUN
cblr-1712	109	3	,	,	PUNCT
cblr-1712	109	4	in	in	ADP
cblr-1712	109	5	discover	discover	NOUN
cblr-1712	109	6	bank	bank	PROPN
cblr-1712	109	7	v.	v.	ADP
cblr-1712	109	8	superior	superior	ADJ
cblr-1712	109	9	court	court	NOUN
cblr-1712	109	10	,	,	PUNCT
cblr-1712	109	11	the	the	DET
cblr-1712	109	12	california	california	PROPN
cblr-1712	109	13	supreme	supreme	PROPN
cblr-1712	109	14	court	court	PROPN
cblr-1712	109	15	reasoned	reason	VERB
cblr-1712	109	16	that	that	SCONJ
cblr-1712	109	17	because	because	SCONJ
cblr-1712	109	18	“	"	PUNCT
cblr-1712	109	19	damages	damage	NOUN
cblr-1712	109	20	in	in	ADP
cblr-1712	109	21	consumer	consumer	NOUN
cblr-1712	109	22	cases	case	NOUN
cblr-1712	109	23	are	be	AUX
cblr-1712	109	24	often	often	ADV
cblr-1712	109	25	small	small	ADJ
cblr-1712	109	26	,	,	PUNCT
cblr-1712	109	27	”	"	PUNCT
cblr-1712	109	28	“	"	PUNCT
cblr-1712	109	29	the	the	DET
cblr-1712	109	30	class	class	NOUN
cblr-1712	109	31	action	action	NOUN
cblr-1712	109	32	is	be	AUX
cblr-1712	109	33	often	often	ADV
cblr-1712	109	34	the	the	DET
cblr-1712	109	35	only	only	ADJ
cblr-1712	109	36	effective	effective	ADJ
cblr-1712	109	37	way	way	NOUN
cblr-1712	109	38	”	"	PUNCT
cblr-1712	109	39	to	to	PART
cblr-1712	109	40	deter	deter	VERB
cblr-1712	109	41	companies	company	NOUN
cblr-1712	109	42	from	from	ADP
cblr-1712	109	43	wrongfully	wrongfully	ADV
cblr-1712	109	44	extracting	extract	VERB
cblr-1712	109	45	small	small	ADJ
cblr-1712	109	46	amounts	amount	NOUN
cblr-1712	109	47	from	from	ADP
cblr-1712	109	48	consumers.18	consumers.18	PROPN
cblr-1712	109	49	in	in	ADP
cblr-1712	109	50	recent	recent	ADJ
cblr-1712	109	51	years	year	NOUN
cblr-1712	109	52	,	,	PUNCT
cblr-1712	109	53	the	the	DET
cblr-1712	109	54	supreme	supreme	PROPN
cblr-1712	109	55	court	court	PROPN
cblr-1712	109	56	has	have	AUX
cblr-1712	109	57	repeatedly	repeatedly	ADV
cblr-1712	109	58	ruled	rule	VERB
cblr-1712	109	59	that	that	SCONJ
cblr-1712	109	60	federal	federal	ADJ
cblr-1712	109	61	law	law	NOUN
cblr-1712	109	62	preempts	preempt	VERB
cblr-1712	109	63	state	state	NOUN
cblr-1712	109	64	court	court	NOUN
cblr-1712	109	65	holdings	holding	NOUN
cblr-1712	109	66	that	that	PRON
cblr-1712	109	67	classaction	classaction	VERB
cblr-1712	109	68	waivers	waiver	NOUN
cblr-1712	109	69	in	in	ADP
cblr-1712	109	70	consumer	consumer	NOUN
cblr-1712	109	71	contracts	contract	NOUN
cblr-1712	109	72	are	be	AUX
cblr-1712	109	73	against	against	ADP
cblr-1712	109	74	public	public	ADJ
cblr-1712	109	75	policy	policy	NOUN
cblr-1712	109	76	.	.	PUNCT
cblr-1712	110	1	in	in	ADP
cblr-1712	110	2	at&t	at&t	PROPN
cblr-1712	110	3	mobility	mobility	PROPN
cblr-1712	110	4	v.	v.	PROPN
cblr-1712	110	5	concepcion	concepcion	PROPN
cblr-1712	110	6	,	,	PUNCT
cblr-1712	110	7	the	the	DET
cblr-1712	110	8	court	court	NOUN
cblr-1712	110	9	held	hold	VERB
cblr-1712	110	10	that	that	SCONJ
cblr-1712	110	11	by	by	ADP
cblr-1712	110	12	forbidding	forbid	VERB
cblr-1712	110	13	arbitration	arbitration	NOUN
cblr-1712	110	14	clauses	clause	NOUN
cblr-1712	110	15	that	that	PRON
cblr-1712	110	16	preclude	preclude	VERB
cblr-1712	110	17	class	class	NOUN
cblr-1712	110	18	-	-	PUNCT
cblr-1712	110	19	wide	wide	ADJ
cblr-1712	110	20	civil	civil	ADJ
cblr-1712	110	21	and	and	CCONJ
cblr-1712	110	22	arbitral	arbitral	ADJ
cblr-1712	110	23	relief	relief	NOUN
cblr-1712	110	24	,	,	PUNCT
cblr-1712	110	25	california	california	PROPN
cblr-1712	110	26	’s	’s	PART
cblr-1712	110	27	discover	discover	PROPN
cblr-1712	110	28	bank	bank	NOUN
cblr-1712	110	29	approach	approach	NOUN
cblr-1712	110	30	runs	run	VERB
cblr-1712	110	31	afoul	afoul	ADV
cblr-1712	110	32	of	of	ADP
cblr-1712	110	33	and	and	CCONJ
cblr-1712	110	34	is	be	AUX
cblr-1712	110	35	preempted	preempt	VERB
cblr-1712	110	36	by	by	ADP
cblr-1712	110	37	the	the	DET
cblr-1712	110	38	federal	federal	ADJ
cblr-1712	110	39	arbitration	arbitration	NOUN
cblr-1712	110	40	act.19	act.19	ADP
cblr-1712	110	41	two	two	NUM
cblr-1712	110	42	years	year	NOUN
cblr-1712	110	43	after	after	ADP
cblr-1712	110	44	concepcion	concepcion	NOUN
cblr-1712	110	45	,	,	PUNCT
cblr-1712	110	46	the	the	DET
cblr-1712	110	47	court	court	NOUN
cblr-1712	110	48	enforced	enforce	VERB
cblr-1712	110	49	a	a	DET
cblr-1712	110	50	clause	clause	NOUN
cblr-1712	110	51	mandating	mandate	VERB
cblr-1712	110	52	arbitration	arbitration	NOUN
cblr-1712	110	53	and	and	CCONJ
cblr-1712	110	54	waiving	waive	VERB
cblr-1712	110	55	class	class	NOUN
cblr-1712	110	56	-	-	PUNCT
cblr-1712	110	57	wide	wide	ADJ
cblr-1712	110	58	relief	relief	NOUN
cblr-1712	110	59	for	for	ADP
cblr-1712	110	60	claims	claim	NOUN
cblr-1712	110	61	alleging	allege	VERB
cblr-1712	110	62	violations	violation	NOUN
cblr-1712	110	63	of	of	ADP
cblr-1712	110	64	federal	federal	ADJ
cblr-1712	110	65	antitrust	antitrust	ADJ
cblr-1712	110	66	law	law	NOUN
cblr-1712	110	67	in	in	ADP
cblr-1712	110	68	american	american	PROPN
cblr-1712	110	69	express	express	PROPN
cblr-1712	110	70	v.	v.	ADP
cblr-1712	110	71	italian	italian	ADJ
cblr-1712	110	72	colors	color	NOUN
cblr-1712	110	73	restaurant	restaurant	NOUN
cblr-1712	110	74	(	(	PUNCT
cblr-1712	110	75	“	"	PUNCT
cblr-1712	110	76	amex	amex	PROPN
cblr-1712	110	77	ii”).20	ii”).20	PROPN
cblr-1712	110	78	however	however	ADV
cblr-1712	110	79	,	,	PUNCT
cblr-1712	110	80	in	in	ADP
cblr-1712	110	81	its	its	PRON
cblr-1712	110	82	march	march	PROPN
cblr-1712	110	83	2015	2015	NUM
cblr-1712	110	84	arbitration	arbitration	NOUN
cblr-1712	110	85	study	study	NOUN
cblr-1712	110	86	(	(	PUNCT
cblr-1712	110	87	“	"	PUNCT
cblr-1712	110	88	2015	2015	NUM
cblr-1712	110	89	arbitration	arbitration	NOUN
cblr-1712	110	90	study	study	NOUN
cblr-1712	110	91	”	"	PUNCT
cblr-1712	110	92	)	)	PUNCT
cblr-1712	110	93	,	,	PUNCT
cblr-1712	110	94	the	the	DET
cblr-1712	110	95	consumer	consumer	NOUN
cblr-1712	110	96	financial	financial	PROPN
cblr-1712	110	97	protection	protection	PROPN
cblr-1712	110	98	bureau	bureau	PROPN
cblr-1712	110	99	(	(	PUNCT
cblr-1712	110	100	“	"	PUNCT
cblr-1712	110	101	cfpb	cfpb	NOUN
cblr-1712	110	102	”	"	PUNCT
cblr-1712	110	103	)	)	PUNCT
cblr-1712	110	104	presented	present	VERB
cblr-1712	110	105	data	datum	NOUN
cblr-1712	110	106	that	that	PRON
cblr-1712	110	107	some	some	PRON
cblr-1712	110	108	interpreted	interpret	VERB
cblr-1712	110	109	as	as	ADP
cblr-1712	110	110	showing	show	VERB
cblr-1712	110	111	that	that	SCONJ
cblr-1712	110	112	class	class	NOUN
cblr-1712	110	113	actions	action	NOUN
cblr-1712	110	114	are	be	AUX
cblr-1712	110	115	much	much	ADV
cblr-1712	110	116	more	more	ADV
cblr-1712	110	117	effective	effective	ADJ
cblr-1712	110	118	than	than	ADP
cblr-1712	110	119	arbitration	arbitration	NOUN
cblr-1712	110	120	at	at	ADP
cblr-1712	110	121	compensating	compensate	VERB
cblr-1712	110	122	injured	injure	VERB
cblr-1712	110	123	consumers	consumer	NOUN
cblr-1712	110	124	and	and	CCONJ
cblr-1712	110	125	deterring	deter	VERB
cblr-1712	110	126	misconduct	misconduct	NOUN
cblr-1712	110	127	by	by	ADP
cblr-1712	110	128	consumer	consumer	NOUN
cblr-1712	110	129	financial	financial	ADJ
cblr-1712	110	130	products	product	NOUN
cblr-1712	110	131	and	and	CCONJ
cblr-1712	110	132	18	18	NUM
cblr-1712	110	133	discover	discover	VERB
cblr-1712	110	134	bank	bank	NOUN
cblr-1712	110	135	v.	v.	CCONJ
cblr-1712	110	136	superior	superior	ADJ
cblr-1712	110	137	court	court	NOUN
cblr-1712	110	138	,	,	PUNCT
cblr-1712	110	139	113	113	NUM
cblr-1712	110	140	p.3d	p.3d	NUM
cblr-1712	110	141	1100	1100	NUM
cblr-1712	110	142	,	,	PUNCT
cblr-1712	110	143	1108–09	1108–09	NUM
cblr-1712	110	144	(	(	PUNCT
cblr-1712	110	145	cal	cal	PROPN
cblr-1712	110	146	.	.	PUNCT
cblr-1712	110	147	2005	2005	NUM
cblr-1712	110	148	)	)	PUNCT
cblr-1712	110	149	.	.	PUNCT
cblr-1712	111	1	19	19	NUM
cblr-1712	111	2	563	563	NUM
cblr-1712	111	3	u.s	u.s	PROPN
cblr-1712	111	4	.	.	PROPN
cblr-1712	111	5	333	333	NUM
cblr-1712	111	6	,	,	PUNCT
cblr-1712	111	7	346–52	346–52	NUM
cblr-1712	111	8	(	(	PUNCT
cblr-1712	111	9	2011	2011	NUM
cblr-1712	111	10	)	)	PUNCT
cblr-1712	111	11	.	.	PUNCT
cblr-1712	112	1	20	20	NUM
cblr-1712	112	2	133	133	NUM
cblr-1712	112	3	s.	s.	PROPN
cblr-1712	112	4	ct	ct	PROPN
cblr-1712	112	5	.	.	PROPN
cblr-1712	112	6	2304	2304	NUM
cblr-1712	112	7	(	(	PUNCT
cblr-1712	112	8	2013	2013	NUM
cblr-1712	112	9	)	)	PUNCT
cblr-1712	112	10	.	.	PUNCT
cblr-1712	113	1	johnston	johnston	PROPN
cblr-1712	113	2	–	–	PUNCT
cblr-1712	113	3	final	final	ADJ
cblr-1712	113	4	no	no	NOUN
cblr-1712	113	5	.	.	NOUN
cblr-1712	113	6	1:1	1:1	NUM
cblr-1712	113	7	]	]	X
cblr-1712	113	8	high	high	ADJ
cblr-1712	113	9	cost	cost	NOUN
cblr-1712	113	10	,	,	PUNCT
cblr-1712	113	11	little	little	ADJ
cblr-1712	113	12	compensation	compensation	NOUN
cblr-1712	113	13	11	11	NUM
cblr-1712	113	14	services	service	NOUN
cblr-1712	113	15	providers.21	providers.21	NOUN
cblr-1712	113	16	with	with	ADP
cblr-1712	113	17	the	the	DET
cblr-1712	113	18	2015	2015	NUM
cblr-1712	113	19	arbitration	arbitration	NOUN
cblr-1712	113	20	study	study	NOUN
cblr-1712	113	21	as	as	ADP
cblr-1712	113	22	its	its	PRON
cblr-1712	113	23	primary	primary	ADJ
cblr-1712	113	24	supporting	support	VERB
cblr-1712	113	25	evidence	evidence	NOUN
cblr-1712	113	26	,	,	PUNCT
cblr-1712	113	27	in	in	ADP
cblr-1712	113	28	may	may	PROPN
cblr-1712	113	29	2016	2016	NUM
cblr-1712	113	30	,	,	PUNCT
cblr-1712	113	31	the	the	DET
cblr-1712	113	32	cfpb	cfpb	NOUN
cblr-1712	113	33	issued	issue	VERB
cblr-1712	113	34	a	a	DET
cblr-1712	113	35	proposed	propose	VERB
cblr-1712	113	36	rule	rule	NOUN
cblr-1712	113	37	banning	ban	VERB
cblr-1712	113	38	arbitration	arbitration	NOUN
cblr-1712	113	39	clauses	clause	NOUN
cblr-1712	113	40	in	in	ADP
cblr-1712	113	41	consumer	consumer	NOUN
cblr-1712	113	42	financial	financial	ADJ
cblr-1712	113	43	contracts	contract	NOUN
cblr-1712	113	44	if	if	SCONJ
cblr-1712	113	45	they	they	PRON
cblr-1712	113	46	prohibit	prohibit	VERB
cblr-1712	113	47	the	the	DET
cblr-1712	113	48	consumer	consumer	NOUN
cblr-1712	113	49	from	from	ADP
cblr-1712	113	50	filing	file	VERB
cblr-1712	113	51	or	or	CCONJ
cblr-1712	113	52	participating	participate	VERB
cblr-1712	113	53	in	in	ADP
cblr-1712	113	54	a	a	DET
cblr-1712	113	55	class	class	NOUN
cblr-1712	113	56	action.22	action.22	NOUN
cblr-1712	113	57	this	this	DET
cblr-1712	113	58	article	article	NOUN
cblr-1712	113	59	’s	’s	PART
cblr-1712	113	60	findings	finding	NOUN
cblr-1712	113	61	on	on	ADP
cblr-1712	113	62	the	the	DET
cblr-1712	113	63	performance	performance	NOUN
cblr-1712	113	64	of	of	ADP
cblr-1712	113	65	one	one	NUM
cblr-1712	113	66	type	type	NOUN
cblr-1712	113	67	of	of	ADP
cblr-1712	113	68	consumer	consumer	NOUN
cblr-1712	113	69	class	class	NOUN
cblr-1712	113	70	action	action	NOUN
cblr-1712	113	71	are	be	AUX
cblr-1712	113	72	thus	thus	ADV
cblr-1712	113	73	relevant	relevant	ADJ
cblr-1712	113	74	to	to	ADP
cblr-1712	113	75	the	the	DET
cblr-1712	113	76	fate	fate	NOUN
cblr-1712	113	77	of	of	ADP
cblr-1712	113	78	this	this	DET
cblr-1712	113	79	proposed	propose	VERB
cblr-1712	113	80	rule	rule	NOUN
cblr-1712	113	81	and	and	CCONJ
cblr-1712	113	82	to	to	ADP
cblr-1712	113	83	the	the	DET
cblr-1712	113	84	continuing	continue	VERB
cblr-1712	113	85	debate	debate	NOUN
cblr-1712	113	86	over	over	ADP
cblr-1712	113	87	mandatory	mandatory	ADJ
cblr-1712	113	88	arbitration	arbitration	NOUN
cblr-1712	113	89	in	in	ADP
cblr-1712	113	90	consumer	consumer	NOUN
cblr-1712	113	91	contracts	contract	NOUN
cblr-1712	113	92	.	.	PUNCT
cblr-1712	114	1	the	the	DET
cblr-1712	114	2	next	next	ADJ
cblr-1712	114	3	section	section	NOUN
cblr-1712	114	4	of	of	ADP
cblr-1712	114	5	this	this	DET
cblr-1712	114	6	article	article	NOUN
cblr-1712	114	7	describes	describe	VERB
cblr-1712	114	8	the	the	DET
cblr-1712	114	9	method	method	NOUN
cblr-1712	114	10	of	of	ADP
cblr-1712	114	11	data	datum	NOUN
cblr-1712	114	12	collection	collection	NOUN
cblr-1712	114	13	and	and	CCONJ
cblr-1712	114	14	contextualizes	contextualize	VERB
cblr-1712	114	15	the	the	DET
cblr-1712	114	16	filings	filing	NOUN
cblr-1712	114	17	studied	study	VERB
cblr-1712	114	18	in	in	ADP
cblr-1712	114	19	detail	detail	NOUN
cblr-1712	114	20	in	in	ADP
cblr-1712	114	21	this	this	DET
cblr-1712	114	22	article	article	NOUN
cblr-1712	114	23	within	within	ADP
cblr-1712	114	24	the	the	DET
cblr-1712	114	25	larger	large	ADJ
cblr-1712	114	26	,	,	PUNCT
cblr-1712	114	27	full	full	ADJ
cblr-1712	114	28	sample	sample	NOUN
cblr-1712	114	29	of	of	ADP
cblr-1712	114	30	consumer	consumer	NOUN
cblr-1712	114	31	class	class	NOUN
cblr-1712	114	32	actions	action	NOUN
cblr-1712	114	33	that	that	PRON
cblr-1712	114	34	we	we	PRON
cblr-1712	114	35	gathered	gather	VERB
cblr-1712	114	36	from	from	ADP
cblr-1712	114	37	the	the	DET
cblr-1712	114	38	northern	northern	ADJ
cblr-1712	114	39	district	district	NOUN
cblr-1712	114	40	of	of	ADP
cblr-1712	114	41	illinois	illinois	PROPN
cblr-1712	114	42	.	.	PUNCT
cblr-1712	115	1	it	it	PRON
cblr-1712	115	2	then	then	ADV
cblr-1712	115	3	reports	report	VERB
cblr-1712	115	4	on	on	ADP
cblr-1712	115	5	class	class	NOUN
cblr-1712	115	6	-	-	PUNCT
cblr-1712	115	7	action	action	NOUN
cblr-1712	115	8	outcomes	outcome	NOUN
cblr-1712	115	9	under	under	ADP
cblr-1712	115	10	different	different	ADJ
cblr-1712	115	11	statutes	statute	NOUN
cblr-1712	115	12	and	and	CCONJ
cblr-1712	115	13	causes	cause	NOUN
cblr-1712	115	14	of	of	ADP
cblr-1712	115	15	action	action	NOUN
cblr-1712	115	16	within	within	ADP
cblr-1712	115	17	statutes	statute	NOUN
cblr-1712	115	18	.	.	PUNCT
cblr-1712	116	1	the	the	DET
cblr-1712	116	2	final	final	ADJ
cblr-1712	116	3	two	two	NUM
cblr-1712	116	4	sections	section	NOUN
cblr-1712	116	5	outline	outline	VERB
cblr-1712	116	6	the	the	DET
cblr-1712	116	7	implications	implication	NOUN
cblr-1712	116	8	of	of	ADP
cblr-1712	116	9	the	the	DET
cblr-1712	116	10	empirical	empirical	ADJ
cblr-1712	116	11	findings	finding	NOUN
cblr-1712	116	12	for	for	ADP
cblr-1712	116	13	the	the	DET
cblr-1712	116	14	social	social	ADJ
cblr-1712	116	15	utility	utility	NOUN
cblr-1712	116	16	of	of	ADP
cblr-1712	116	17	consumer	consumer	NOUN
cblr-1712	116	18	class	class	NOUN
cblr-1712	116	19	actions	action	NOUN
cblr-1712	116	20	and	and	CCONJ
cblr-1712	116	21	suggest	suggest	VERB
cblr-1712	116	22	some	some	DET
cblr-1712	116	23	possible	possible	ADJ
cblr-1712	116	24	policy	policy	NOUN
cblr-1712	116	25	responses	response	NOUN
cblr-1712	116	26	to	to	ADP
cblr-1712	116	27	the	the	DET
cblr-1712	116	28	problems	problem	NOUN
cblr-1712	116	29	with	with	ADP
cblr-1712	116	30	consumer	consumer	NOUN
cblr-1712	116	31	class	class	NOUN
cblr-1712	116	32	actions	action	NOUN
cblr-1712	116	33	identified	identify	VERB
cblr-1712	116	34	in	in	ADP
cblr-1712	116	35	our	our	PRON
cblr-1712	116	36	data	datum	NOUN
cblr-1712	116	37	.	.	PUNCT
cblr-1712	117	1	ii	ii	PROPN
cblr-1712	117	2	.	.	PUNCT
cblr-1712	118	1	the	the	DET
cblr-1712	118	2	northern	northern	ADJ
cblr-1712	118	3	district	district	PROPN
cblr-1712	118	4	,	,	PUNCT
cblr-1712	118	5	illinois	illinois	PROPN
cblr-1712	118	6	evidence	evidence	PROPN
cblr-1712	118	7	a.	a.	PROPN
cblr-1712	118	8	federal	federal	PROPN
cblr-1712	118	9	statutory	statutory	ADJ
cblr-1712	118	10	consumer	consumer	NOUN
cblr-1712	118	11	class	class	NOUN
cblr-1712	118	12	-	-	PUNCT
cblr-1712	118	13	action	action	NOUN
cblr-1712	118	14	case	case	NOUN
cblr-1712	118	15	types	type	NOUN
cblr-1712	118	16	and	and	CCONJ
cblr-1712	118	17	outcomes	outcome	NOUN
cblr-1712	118	18	this	this	DET
cblr-1712	118	19	section	section	NOUN
cblr-1712	118	20	clarifies	clarify	VERB
cblr-1712	118	21	how	how	SCONJ
cblr-1712	118	22	our	our	PRON
cblr-1712	118	23	sample	sample	NOUN
cblr-1712	118	24	of	of	ADP
cblr-1712	118	25	consumer	consumer	NOUN
cblr-1712	118	26	class	class	NOUN
cblr-1712	118	27	actions	action	NOUN
cblr-1712	118	28	was	be	AUX
cblr-1712	118	29	constructed	construct	VERB
cblr-1712	118	30	and	and	CCONJ
cblr-1712	118	31	shows	show	VERB
cblr-1712	118	32	the	the	DET
cblr-1712	118	33	overall	overall	ADJ
cblr-1712	118	34	distribution	distribution	NOUN
cblr-1712	118	35	of	of	ADP
cblr-1712	118	36	case	case	NOUN
cblr-1712	118	37	types	type	NOUN
cblr-1712	118	38	—	—	PUNCT
cblr-1712	118	39	those	those	PRON
cblr-1712	118	40	brought	bring	VERB
cblr-1712	118	41	under	under	ADP
cblr-1712	118	42	both	both	CCONJ
cblr-1712	118	43	federal	federal	ADJ
cblr-1712	118	44	and	and	CCONJ
cblr-1712	118	45	state	state	NOUN
cblr-1712	118	46	law	law	NOUN
cblr-1712	118	47	—	—	PUNCT
cblr-1712	118	48	within	within	ADP
cblr-1712	118	49	the	the	DET
cblr-1712	118	50	sample	sample	NOUN
cblr-1712	118	51	.	.	PUNCT
cblr-1712	119	1	this	this	DET
cblr-1712	119	2	section	section	NOUN
cblr-1712	119	3	then	then	ADV
cblr-1712	119	4	shows	show	VERB
cblr-1712	119	5	the	the	DET
cblr-1712	119	6	21	21	NUM
cblr-1712	119	7	see	see	NOUN
cblr-1712	119	8	consumer	consumer	NOUN
cblr-1712	119	9	fin	fin	NOUN
cblr-1712	119	10	.	.	PUNCT
cblr-1712	120	1	prot	prot	PROPN
cblr-1712	120	2	.	.	PUNCT
cblr-1712	121	1	bureau	bureau	NOUN
cblr-1712	121	2	,	,	PUNCT
cblr-1712	121	3	arbitration	arbitration	NOUN
cblr-1712	121	4	study	study	NOUN
cblr-1712	121	5	:	:	PUNCT
cblr-1712	121	6	report	report	NOUN
cblr-1712	121	7	to	to	ADP
cblr-1712	121	8	congress	congress	PROPN
cblr-1712	121	9	,	,	PUNCT
cblr-1712	121	10	pursuant	pursuant	ADJ
cblr-1712	121	11	to	to	ADP
cblr-1712	121	12	dodd	dodd	PROPN
cblr-1712	121	13	–	–	PUNCT
cblr-1712	121	14	frank	frank	PROPN
cblr-1712	121	15	wall	wall	PROPN
cblr-1712	121	16	street	street	PROPN
cblr-1712	121	17	reform	reform	PROPN
cblr-1712	121	18	and	and	CCONJ
cblr-1712	121	19	consumer	consumer	NOUN
cblr-1712	121	20	protection	protection	PROPN
cblr-1712	121	21	act	act	NOUN
cblr-1712	121	22	§	§	PROPN
cblr-1712	121	23	1028(a	1028(a	NUM
cblr-1712	121	24	)	)	PUNCT
cblr-1712	121	25	(	(	PUNCT
cblr-1712	121	26	2015	2015	NUM
cblr-1712	121	27	)	)	PUNCT
cblr-1712	121	28	,	,	PUNCT
cblr-1712	121	29	http://files.consumerfinance.gov/f/201503_cfpb_arbitration-studyreport-to-congress-2015.pdf	http://files.consumerfinance.gov/f/201503_cfpb_arbitration-studyreport-to-congress-2015.pdf	PROPN
cblr-1712	122	1	[	[	X
cblr-1712	122	2	https://perma.cc/vx3f-58yx	https://perma.cc/vx3f-58yx	X
cblr-1712	122	3	]	]	X
cblr-1712	122	4	[	[	X
cblr-1712	122	5	hereinafter	hereinafter	NOUN
cblr-1712	122	6	2015	2015	NUM
cblr-1712	122	7	arbitration	arbitration	NOUN
cblr-1712	122	8	study	study	NOUN
cblr-1712	122	9	]	]	PUNCT
cblr-1712	122	10	.	.	PUNCT
cblr-1712	123	1	22	22	NUM
cblr-1712	123	2	arbitration	arbitration	NOUN
cblr-1712	123	3	agreements	agreement	NOUN
cblr-1712	123	4	,	,	PUNCT
cblr-1712	123	5	81	81	NUM
cblr-1712	123	6	fed	feed	VERB
cblr-1712	123	7	.	.	PUNCT
cblr-1712	124	1	reg	reg	PROPN
cblr-1712	124	2	.	.	PUNCT
cblr-1712	125	1	32,830	32,830	NUM
cblr-1712	125	2	(	(	PUNCT
cblr-1712	125	3	proposed	propose	VERB
cblr-1712	125	4	may	may	AUX
cblr-1712	125	5	24	24	NUM
cblr-1712	125	6	,	,	PUNCT
cblr-1712	125	7	2016	2016	NUM
cblr-1712	125	8	)	)	PUNCT
cblr-1712	125	9	(	(	PUNCT
cblr-1712	125	10	to	to	PART
cblr-1712	125	11	be	be	AUX
cblr-1712	125	12	codified	codify	VERB
cblr-1712	125	13	at	at	ADP
cblr-1712	125	14	12	12	NUM
cblr-1712	125	15	c.f.r	c.f.r	NOUN
cblr-1712	125	16	.	.	PUNCT
cblr-1712	126	1	pt	pt	PROPN
cblr-1712	126	2	.	.	PROPN
cblr-1712	126	3	1040	1040	NUM
cblr-1712	126	4	)	)	PUNCT
cblr-1712	126	5	.	.	PUNCT
cblr-1712	127	1	johnston	johnston	PROPN
cblr-1712	127	2	–	–	PUNCT
cblr-1712	127	3	final	final	ADJ
cblr-1712	127	4	12	12	NUM
cblr-1712	127	5	columbia	columbia	PROPN
cblr-1712	127	6	business	business	NOUN
cblr-1712	127	7	law	law	PROPN
cblr-1712	127	8	review	review	NOUN
cblr-1712	127	9	[	[	X
cblr-1712	127	10	vol	vol	NOUN
cblr-1712	127	11	.	.	NOUN
cblr-1712	127	12	2017	2017	NUM
cblr-1712	127	13	distribution	distribution	NOUN
cblr-1712	127	14	of	of	ADP
cblr-1712	127	15	outcomes	outcome	NOUN
cblr-1712	127	16	for	for	ADP
cblr-1712	127	17	the	the	DET
cblr-1712	127	18	federal	federal	ADJ
cblr-1712	127	19	statutory	statutory	ADJ
cblr-1712	127	20	case	case	NOUN
cblr-1712	127	21	types	type	NOUN
cblr-1712	127	22	discussed	discuss	VERB
cblr-1712	127	23	in	in	ADP
cblr-1712	127	24	more	more	ADJ
cblr-1712	127	25	detail	detail	NOUN
cblr-1712	127	26	later	later	ADV
cblr-1712	127	27	in	in	ADP
cblr-1712	127	28	the	the	DET
cblr-1712	127	29	article	article	NOUN
cblr-1712	127	30	.	.	PUNCT
cblr-1712	128	1	1	1	X
cblr-1712	128	2	.	.	PUNCT
cblr-1712	129	1	the	the	DET
cblr-1712	129	2	data	datum	NOUN
cblr-1712	129	3	underlying	underlie	VERB
cblr-1712	129	4	this	this	DET
cblr-1712	129	5	study	study	NOUN
cblr-1712	129	6	our	our	PRON
cblr-1712	129	7	class	class	NOUN
cblr-1712	129	8	-	-	PUNCT
cblr-1712	129	9	action	action	NOUN
cblr-1712	129	10	sample	sample	NOUN
cblr-1712	129	11	studied	study	VERB
cblr-1712	129	12	was	be	AUX
cblr-1712	129	13	drawn	draw	VERB
cblr-1712	129	14	from	from	ADP
cblr-1712	129	15	cases	case	NOUN
cblr-1712	129	16	filed	file	VERB
cblr-1712	129	17	in	in	ADP
cblr-1712	129	18	the	the	DET
cblr-1712	129	19	northern	northern	ADJ
cblr-1712	129	20	district	district	NOUN
cblr-1712	129	21	of	of	ADP
cblr-1712	129	22	illinois	illinois	PROPN
cblr-1712	129	23	between	between	ADP
cblr-1712	129	24	january	january	PROPN
cblr-1712	129	25	1	1	NUM
cblr-1712	129	26	,	,	PUNCT
cblr-1712	129	27	2010	2010	NUM
cblr-1712	129	28	and	and	CCONJ
cblr-1712	129	29	december	december	PROPN
cblr-1712	129	30	31	31	NUM
cblr-1712	129	31	,	,	PUNCT
cblr-1712	129	32	2012	2012	NUM
cblr-1712	129	33	.	.	PUNCT
cblr-1712	130	1	the	the	DET
cblr-1712	130	2	northern	northern	ADJ
cblr-1712	130	3	district	district	NOUN
cblr-1712	130	4	was	be	AUX
cblr-1712	130	5	chosen	choose	VERB
cblr-1712	130	6	because	because	SCONJ
cblr-1712	130	7	in	in	ADP
cblr-1712	130	8	prior	prior	ADJ
cblr-1712	130	9	work	work	NOUN
cblr-1712	130	10	,	,	PUNCT
cblr-1712	130	11	fitzpatrick	fitzpatrick	PROPN
cblr-1712	130	12	observed	observe	VERB
cblr-1712	130	13	that	that	SCONJ
cblr-1712	130	14	the	the	DET
cblr-1712	130	15	northern	northern	ADJ
cblr-1712	130	16	district	district	NOUN
cblr-1712	130	17	had	have	VERB
cblr-1712	130	18	a	a	DET
cblr-1712	130	19	large	large	ADJ
cblr-1712	130	20	number	number	NOUN
cblr-1712	130	21	of	of	ADP
cblr-1712	130	22	class	class	NOUN
cblr-1712	130	23	action	action	NOUN
cblr-1712	130	24	settlements	settlement	NOUN
cblr-1712	130	25	relative	relative	ADJ
cblr-1712	130	26	to	to	ADP
cblr-1712	130	27	the	the	DET
cblr-1712	130	28	size	size	NOUN
cblr-1712	130	29	of	of	ADP
cblr-1712	130	30	its	its	PRON
cblr-1712	130	31	civil	civil	ADJ
cblr-1712	130	32	docket.23	docket.23	PROPN
cblr-1712	130	33	all	all	DET
cblr-1712	130	34	data	datum	NOUN
cblr-1712	130	35	come	come	VERB
cblr-1712	130	36	from	from	ADP
cblr-1712	130	37	the	the	DET
cblr-1712	130	38	federal	federal	ADJ
cblr-1712	130	39	court	court	NOUN
cblr-1712	130	40	pacer	pacer	NOUN
cblr-1712	130	41	electronic	electronic	ADJ
cblr-1712	130	42	database	database	NOUN
cblr-1712	130	43	of	of	ADP
cblr-1712	130	44	docket	docket	NOUN
cblr-1712	130	45	sheets	sheet	NOUN
cblr-1712	130	46	.	.	PUNCT
cblr-1712	131	1	appendix	appendix	NOUN
cblr-1712	131	2	2	2	NUM
cblr-1712	131	3	describes	describe	VERB
cblr-1712	131	4	the	the	DET
cblr-1712	131	5	search	search	NOUN
cblr-1712	131	6	terms	term	NOUN
cblr-1712	131	7	used	use	VERB
cblr-1712	131	8	in	in	ADP
cblr-1712	131	9	identifying	identify	VERB
cblr-1712	131	10	consumer	consumer	NOUN
cblr-1712	131	11	class	class	NOUN
cblr-1712	131	12	actions	action	NOUN
cblr-1712	131	13	in	in	ADP
cblr-1712	131	14	the	the	DET
cblr-1712	131	15	illinois	illinois	PROPN
cblr-1712	131	16	data	data	PROPN
cblr-1712	131	17	.	.	PUNCT
cblr-1712	132	1	the	the	DET
cblr-1712	132	2	search	search	NOUN
cblr-1712	132	3	criteria	criterion	NOUN
cblr-1712	132	4	defined	define	VERB
cblr-1712	132	5	“	"	PUNCT
cblr-1712	132	6	consumer	consumer	NOUN
cblr-1712	132	7	class	class	NOUN
cblr-1712	132	8	actions	action	NOUN
cblr-1712	132	9	”	"	PUNCT
cblr-1712	132	10	to	to	PART
cblr-1712	132	11	exclude	exclude	VERB
cblr-1712	132	12	securities	security	NOUN
cblr-1712	132	13	class	class	NOUN
cblr-1712	132	14	actions	action	NOUN
cblr-1712	132	15	and	and	CCONJ
cblr-1712	132	16	antitrust	antitrust	ADJ
cblr-1712	132	17	class	class	NOUN
cblr-1712	132	18	actions	action	NOUN
cblr-1712	132	19	.	.	PUNCT
cblr-1712	133	1	on	on	ADP
cblr-1712	133	2	the	the	DET
cblr-1712	133	3	other	other	ADJ
cblr-1712	133	4	hand	hand	NOUN
cblr-1712	133	5	,	,	PUNCT
cblr-1712	133	6	the	the	DET
cblr-1712	133	7	data	datum	NOUN
cblr-1712	133	8	includes	include	VERB
cblr-1712	133	9	any	any	DET
cblr-1712	133	10	other	other	ADJ
cblr-1712	133	11	type	type	NOUN
cblr-1712	133	12	of	of	ADP
cblr-1712	133	13	class	class	NOUN
cblr-1712	133	14	action	action	NOUN
cblr-1712	133	15	brought	bring	VERB
cblr-1712	133	16	on	on	ADP
cblr-1712	133	17	behalf	behalf	NOUN
cblr-1712	133	18	of	of	ADP
cblr-1712	133	19	consumers	consumer	NOUN
cblr-1712	133	20	under	under	ADP
cblr-1712	133	21	both	both	CCONJ
cblr-1712	133	22	federal	federal	ADJ
cblr-1712	133	23	and	and	CCONJ
cblr-1712	133	24	state	state	NOUN
cblr-1712	133	25	law	law	NOUN
cblr-1712	133	26	,	,	PUNCT
cblr-1712	133	27	including	include	VERB
cblr-1712	133	28	the	the	DET
cblr-1712	133	29	common	common	ADJ
cblr-1712	133	30	law	law	NOUN
cblr-1712	133	31	.	.	PUNCT
cblr-1712	134	1	the	the	DET
cblr-1712	134	2	federal	federal	ADJ
cblr-1712	134	3	consumer	consumer	NOUN
cblr-1712	134	4	protection	protection	NOUN
cblr-1712	134	5	laws	law	NOUN
cblr-1712	134	6	define	define	VERB
cblr-1712	134	7	“	"	PUNCT
cblr-1712	134	8	consumer	consumer	NOUN
cblr-1712	134	9	”	"	PUNCT
cblr-1712	134	10	more	more	ADV
cblr-1712	134	11	broadly	broadly	ADV
cblr-1712	134	12	than	than	SCONJ
cblr-1712	134	13	does	do	VERB
cblr-1712	134	14	the	the	DET
cblr-1712	134	15	dictionary	dictionary	PROPN
cblr-1712	134	16	.	.	PUNCT
cblr-1712	135	1	under	under	ADP
cblr-1712	135	2	the	the	DET
cblr-1712	135	3	fcra	fcra	NOUN
cblr-1712	135	4	,	,	PUNCT
cblr-1712	135	5	an	an	DET
cblr-1712	135	6	employment	employment	NOUN
cblr-1712	135	7	background	background	NOUN
cblr-1712	135	8	check	check	NOUN
cblr-1712	135	9	is	be	AUX
cblr-1712	135	10	a	a	DET
cblr-1712	135	11	“	"	PUNCT
cblr-1712	135	12	consumer	consumer	NOUN
cblr-1712	135	13	report	report	NOUN
cblr-1712	135	14	.	.	PUNCT
cblr-1712	136	1	”24	”24	VERB
cblr-1712	136	2	for	for	ADP
cblr-1712	136	3	this	this	DET
cblr-1712	136	4	reason	reason	NOUN
cblr-1712	136	5	,	,	PUNCT
cblr-1712	136	6	the	the	DET
cblr-1712	136	7	data	datum	NOUN
cblr-1712	136	8	includes	include	VERB
cblr-1712	136	9	fcra	fcra	NOUN
cblr-1712	136	10	cases	case	NOUN
cblr-1712	136	11	involving	involve	VERB
cblr-1712	136	12	employment	employment	NOUN
cblr-1712	136	13	background	background	NOUN
cblr-1712	136	14	checks	check	NOUN
cblr-1712	136	15	in	in	ADP
cblr-1712	136	16	the	the	DET
cblr-1712	136	17	sample	sample	NOUN
cblr-1712	136	18	.	.	PUNCT
cblr-1712	137	1	similarly	similarly	ADV
cblr-1712	137	2	,	,	PUNCT
cblr-1712	137	3	doctors	doctor	NOUN
cblr-1712	137	4	and	and	CCONJ
cblr-1712	137	5	dentists	dentist	NOUN
cblr-1712	137	6	with	with	ADP
cblr-1712	137	7	small	small	ADJ
cblr-1712	137	8	offices	office	NOUN
cblr-1712	137	9	often	often	ADV
cblr-1712	137	10	receive	receive	VERB
cblr-1712	137	11	unauthorized	unauthorized	ADJ
cblr-1712	137	12	telemarketing	telemarketing	NOUN
cblr-1712	137	13	faxes	fax	NOUN
cblr-1712	137	14	,	,	PUNCT
cblr-1712	137	15	and	and	CCONJ
cblr-1712	137	16	such	such	ADJ
cblr-1712	137	17	doctors	doctor	NOUN
cblr-1712	137	18	and	and	CCONJ
cblr-1712	137	19	dentists	dentist	NOUN
cblr-1712	137	20	are	be	AUX
cblr-1712	137	21	“	"	PUNCT
cblr-1712	137	22	consumers	consumer	NOUN
cblr-1712	137	23	”	"	PUNCT
cblr-1712	137	24	protected	protect	VERB
cblr-1712	137	25	under	under	ADP
cblr-1712	137	26	the	the	DET
cblr-1712	137	27	telephone	telephone	NOUN
cblr-1712	137	28	consumer	consumer	NOUN
cblr-1712	137	29	protection	protection	PROPN
cblr-1712	137	30	act	act	PROPN
cblr-1712	137	31	’s	’s	PART
cblr-1712	137	32	(	(	PUNCT
cblr-1712	137	33	“	"	PUNCT
cblr-1712	137	34	tcpa	tcpa	NOUN
cblr-1712	137	35	”	"	PUNCT
cblr-1712	137	36	)	)	PUNCT
cblr-1712	137	37	23	23	NUM
cblr-1712	137	38	brian	brian	PROPN
cblr-1712	137	39	t.	t.	PROPN
cblr-1712	137	40	fitzpatrick	fitzpatrick	PROPN
cblr-1712	137	41	,	,	PUNCT
cblr-1712	137	42	an	an	DET
cblr-1712	137	43	empirical	empirical	ADJ
cblr-1712	137	44	study	study	NOUN
cblr-1712	137	45	of	of	ADP
cblr-1712	137	46	class	class	NOUN
cblr-1712	137	47	action	action	NOUN
cblr-1712	137	48	settlements	settlement	NOUN
cblr-1712	137	49	and	and	CCONJ
cblr-1712	137	50	their	their	PRON
cblr-1712	137	51	fee	fee	NOUN
cblr-1712	137	52	awards	award	NOUN
cblr-1712	137	53	,	,	PUNCT
cblr-1712	137	54	7	7	NUM
cblr-1712	137	55	j.	j.	PROPN
cblr-1712	137	56	empirical	empirical	PROPN
cblr-1712	137	57	l.	l.	PROPN
cblr-1712	137	58	stud	stud	PROPN
cblr-1712	137	59	.	.	PUNCT
cblr-1712	138	1	811	811	NUM
cblr-1712	138	2	,	,	PUNCT
cblr-1712	138	3	823	823	NUM
cblr-1712	138	4	(	(	PUNCT
cblr-1712	138	5	2010	2010	NUM
cblr-1712	138	6	)	)	PUNCT
cblr-1712	138	7	.	.	PUNCT
cblr-1712	139	1	24	24	NUM
cblr-1712	139	2	see	see	VERB
cblr-1712	139	3	15	15	NUM
cblr-1712	139	4	usc	usc	NOUN
cblr-1712	139	5	§	§	PROPN
cblr-1712	139	6	1681a(d)(1	1681a(d)(1	NUM
cblr-1712	139	7	)	)	PUNCT
cblr-1712	139	8	(	(	PUNCT
cblr-1712	139	9	defining	define	VERB
cblr-1712	139	10	a	a	DET
cblr-1712	139	11	“	"	PUNCT
cblr-1712	139	12	consumer	consumer	NOUN
cblr-1712	139	13	report	report	NOUN
cblr-1712	139	14	”	"	PUNCT
cblr-1712	139	15	as	as	ADP
cblr-1712	139	16	“	"	PUNCT
cblr-1712	139	17	any	any	DET
cblr-1712	139	18	written	write	VERB
cblr-1712	139	19	,	,	PUNCT
cblr-1712	139	20	oral	oral	ADJ
cblr-1712	139	21	,	,	PUNCT
cblr-1712	139	22	or	or	CCONJ
cblr-1712	139	23	other	other	ADJ
cblr-1712	139	24	communication	communication	NOUN
cblr-1712	139	25	of	of	ADP
cblr-1712	139	26	any	any	DET
cblr-1712	139	27	information	information	NOUN
cblr-1712	139	28	by	by	ADP
cblr-1712	139	29	a	a	DET
cblr-1712	139	30	consumer	consumer	NOUN
cblr-1712	139	31	reporting	reporting	NOUN
cblr-1712	139	32	agency	agency	NOUN
cblr-1712	139	33	bearing	bear	VERB
cblr-1712	139	34	on	on	ADP
cblr-1712	139	35	a	a	DET
cblr-1712	139	36	consumer	consumer	NOUN
cblr-1712	139	37	’s	’s	PART
cblr-1712	139	38	credit	credit	NOUN
cblr-1712	139	39	worthiness	worthiness	NOUN
cblr-1712	139	40	,	,	PUNCT
cblr-1712	139	41	credit	credit	NOUN
cblr-1712	139	42	standing	standing	NOUN
cblr-1712	139	43	,	,	PUNCT
cblr-1712	139	44	credit	credit	NOUN
cblr-1712	139	45	capacity	capacity	NOUN
cblr-1712	139	46	,	,	PUNCT
cblr-1712	139	47	character	character	NOUN
cblr-1712	139	48	,	,	PUNCT
cblr-1712	139	49	general	general	ADJ
cblr-1712	139	50	reputation	reputation	NOUN
cblr-1712	139	51	,	,	PUNCT
cblr-1712	139	52	personal	personal	ADJ
cblr-1712	139	53	characteristics	characteristic	NOUN
cblr-1712	139	54	,	,	PUNCT
cblr-1712	139	55	or	or	CCONJ
cblr-1712	139	56	mode	mode	NOUN
cblr-1712	139	57	of	of	ADP
cblr-1712	139	58	living	living	NOUN
cblr-1712	139	59	”	"	PUNCT
cblr-1712	139	60	)	)	PUNCT
cblr-1712	139	61	.	.	PUNCT
cblr-1712	140	1	section	section	NOUN
cblr-1712	140	2	1681a(d)(1	1681a(d)(1	NUM
cblr-1712	140	3	)	)	PUNCT
cblr-1712	140	4	explicitly	explicitly	ADV
cblr-1712	140	5	states	state	VERB
cblr-1712	140	6	that	that	SCONJ
cblr-1712	140	7	if	if	SCONJ
cblr-1712	140	8	“	"	PUNCT
cblr-1712	140	9	used	use	VERB
cblr-1712	140	10	or	or	CCONJ
cblr-1712	140	11	expected	expect	VERB
cblr-1712	140	12	to	to	PART
cblr-1712	140	13	be	be	AUX
cblr-1712	140	14	used	use	VERB
cblr-1712	140	15	or	or	CCONJ
cblr-1712	140	16	collected	collect	VERB
cblr-1712	140	17	in	in	ADP
cblr-1712	140	18	whole	whole	NOUN
cblr-1712	140	19	or	or	CCONJ
cblr-1712	140	20	in	in	ADP
cblr-1712	140	21	part	part	NOUN
cblr-1712	140	22	for	for	ADP
cblr-1712	140	23	the	the	DET
cblr-1712	140	24	purpose	purpose	NOUN
cblr-1712	140	25	of	of	ADP
cblr-1712	140	26	serving	serve	VERB
cblr-1712	140	27	as	as	ADP
cblr-1712	140	28	a	a	DET
cblr-1712	140	29	factor	factor	NOUN
cblr-1712	140	30	in	in	ADP
cblr-1712	140	31	establishing	establish	VERB
cblr-1712	140	32	the	the	DET
cblr-1712	140	33	consumer	consumer	NOUN
cblr-1712	140	34	’s	’s	PART
cblr-1712	140	35	eligibility	eligibility	NOUN
cblr-1712	140	36	for	for	ADP
cblr-1712	140	37	.	.	PUNCT
cblr-1712	140	38	.	.	PUNCT
cblr-1712	140	39	.	.	PUNCT
cblr-1712	141	1	employment	employment	NOUN
cblr-1712	141	2	purposes	purpose	NOUN
cblr-1712	141	3	”	"	PUNCT
cblr-1712	141	4	then	then	ADV
cblr-1712	141	5	the	the	DET
cblr-1712	141	6	report	report	NOUN
cblr-1712	141	7	is	be	AUX
cblr-1712	141	8	a	a	DET
cblr-1712	141	9	statutory	statutory	ADJ
cblr-1712	141	10	consumer	consumer	NOUN
cblr-1712	141	11	report	report	NOUN
cblr-1712	141	12	.	.	PUNCT
cblr-1712	142	1	i	i	PRON
cblr-1712	142	2	d.	d.	PROPN
cblr-1712	142	3	johnston	johnston	PROPN
cblr-1712	142	4	–	–	PUNCT
cblr-1712	142	5	final	final	ADJ
cblr-1712	142	6	no	no	NOUN
cblr-1712	142	7	.	.	NOUN
cblr-1712	142	8	1:1	1:1	NUM
cblr-1712	142	9	]	]	X
cblr-1712	142	10	high	high	ADJ
cblr-1712	142	11	cost	cost	NOUN
cblr-1712	142	12	,	,	PUNCT
cblr-1712	142	13	little	little	ADJ
cblr-1712	142	14	compensation	compensation	NOUN
cblr-1712	142	15	13	13	NUM
cblr-1712	142	16	prohibition	prohibition	NOUN
cblr-1712	142	17	on	on	ADP
cblr-1712	142	18	sending	send	VERB
cblr-1712	142	19	such	such	ADJ
cblr-1712	142	20	unauthorized	unauthorized	ADJ
cblr-1712	142	21	communications.25	communications.25	NOUN
cblr-1712	142	22	thus	thus	ADV
cblr-1712	142	23	,	,	PUNCT
cblr-1712	142	24	the	the	DET
cblr-1712	142	25	data	datum	NOUN
cblr-1712	142	26	set	set	VERB
cblr-1712	142	27	includes	include	VERB
cblr-1712	142	28	cases	case	NOUN
cblr-1712	142	29	where	where	SCONJ
cblr-1712	142	30	defendants	defendant	NOUN
cblr-1712	142	31	allegedly	allegedly	ADV
cblr-1712	142	32	sent	send	VERB
cblr-1712	142	33	unauthorized	unauthorized	ADJ
cblr-1712	142	34	faxes	fax	NOUN
cblr-1712	142	35	to	to	ADP
cblr-1712	142	36	doctors	doctor	NOUN
cblr-1712	142	37	and	and	CCONJ
cblr-1712	142	38	dentists	dentist	NOUN
cblr-1712	142	39	.	.	PUNCT
cblr-1712	143	1	information	information	NOUN
cblr-1712	143	2	regarding	regard	VERB
cblr-1712	143	3	the	the	DET
cblr-1712	143	4	type	type	NOUN
cblr-1712	143	5	and	and	CCONJ
cblr-1712	143	6	resolution	resolution	NOUN
cblr-1712	143	7	of	of	ADP
cblr-1712	143	8	consumer	consumer	NOUN
cblr-1712	143	9	class	class	NOUN
cblr-1712	143	10	actions	action	NOUN
cblr-1712	143	11	is	be	AUX
cblr-1712	143	12	derived	derive	VERB
cblr-1712	143	13	from	from	ADP
cblr-1712	143	14	docket	docket	NOUN
cblr-1712	143	15	sheets	sheet	NOUN
cblr-1712	143	16	and	and	CCONJ
cblr-1712	143	17	the	the	DET
cblr-1712	143	18	documents	document	NOUN
cblr-1712	143	19	to	to	PART
cblr-1712	143	20	which	which	PRON
cblr-1712	143	21	such	such	ADJ
cblr-1712	143	22	sheets	sheet	NOUN
cblr-1712	143	23	provide	provide	VERB
cblr-1712	143	24	links	link	NOUN
cblr-1712	143	25	.	.	PUNCT
cblr-1712	144	1	the	the	DET
cblr-1712	144	2	type	type	NOUN
cblr-1712	144	3	of	of	ADP
cblr-1712	144	4	class	class	NOUN
cblr-1712	144	5	action	action	NOUN
cblr-1712	144	6	—	—	PUNCT
cblr-1712	144	7	both	both	PRON
cblr-1712	144	8	legally	legally	ADV
cblr-1712	144	9	and	and	CCONJ
cblr-1712	144	10	factually	factually	ADV
cblr-1712	144	11	—	—	PUNCT
cblr-1712	144	12	as	as	ADV
cblr-1712	144	13	well	well	ADV
cblr-1712	144	14	as	as	ADP
cblr-1712	144	15	amount	amount	NOUN
cblr-1712	144	16	claimed	claim	VERB
cblr-1712	144	17	were	be	AUX
cblr-1712	144	18	identified	identify	VERB
cblr-1712	144	19	by	by	ADP
cblr-1712	144	20	review	review	NOUN
cblr-1712	144	21	of	of	ADP
cblr-1712	144	22	each	each	DET
cblr-1712	144	23	complaint	complaint	NOUN
cblr-1712	144	24	.	.	PUNCT
cblr-1712	145	1	identification	identification	NOUN
cblr-1712	145	2	of	of	ADP
cblr-1712	145	3	the	the	DET
cblr-1712	145	4	resolution	resolution	NOUN
cblr-1712	145	5	of	of	ADP
cblr-1712	145	6	each	each	DET
cblr-1712	145	7	case	case	NOUN
cblr-1712	145	8	was	be	AUX
cblr-1712	145	9	then	then	ADV
cblr-1712	145	10	conducted	conduct	VERB
cblr-1712	145	11	by	by	ADP
cblr-1712	145	12	examination	examination	NOUN
cblr-1712	145	13	of	of	ADP
cblr-1712	145	14	the	the	DET
cblr-1712	145	15	relevant	relevant	ADJ
cblr-1712	145	16	docket	docket	NOUN
cblr-1712	145	17	entries.26	entries.26	VERB
cblr-1712	145	18	much	much	ADJ
cblr-1712	145	19	of	of	ADP
cblr-1712	145	20	this	this	DET
cblr-1712	145	21	process	process	NOUN
cblr-1712	145	22	was	be	AUX
cblr-1712	145	23	straightforward	straightforward	ADJ
cblr-1712	145	24	.	.	PUNCT
cblr-1712	146	1	if	if	SCONJ
cblr-1712	146	2	,	,	PUNCT
cblr-1712	146	3	for	for	ADP
cblr-1712	146	4	example	example	NOUN
cblr-1712	146	5	,	,	PUNCT
cblr-1712	146	6	a	a	DET
cblr-1712	146	7	case	case	NOUN
cblr-1712	146	8	ended	end	VERB
cblr-1712	146	9	when	when	SCONJ
cblr-1712	146	10	the	the	DET
cblr-1712	146	11	court	court	NOUN
cblr-1712	146	12	granted	grant	VERB
cblr-1712	146	13	the	the	DET
cblr-1712	146	14	defendant	defendant	NOUN
cblr-1712	146	15	’s	’s	PART
cblr-1712	146	16	summary	summary	NOUN
cblr-1712	146	17	judgment	judgment	NOUN
cblr-1712	146	18	motion	motion	NOUN
cblr-1712	146	19	,	,	PUNCT
cblr-1712	146	20	that	that	PRON
cblr-1712	146	21	would	would	AUX
cblr-1712	146	22	be	be	AUX
cblr-1712	146	23	evident	evident	ADJ
cblr-1712	146	24	from	from	ADP
cblr-1712	146	25	the	the	DET
cblr-1712	146	26	docket	docket	NOUN
cblr-1712	146	27	sheet	sheet	NOUN
cblr-1712	146	28	entry	entry	NOUN
cblr-1712	146	29	and	and	CCONJ
cblr-1712	146	30	there	there	PRON
cblr-1712	146	31	would	would	AUX
cblr-1712	146	32	typically	typically	ADV
cblr-1712	146	33	be	be	AUX
cblr-1712	146	34	an	an	DET
cblr-1712	146	35	opinion	opinion	NOUN
cblr-1712	146	36	written	write	VERB
cblr-1712	146	37	to	to	PART
cblr-1712	146	38	justify	justify	VERB
cblr-1712	146	39	the	the	DET
cblr-1712	146	40	summary	summary	NOUN
cblr-1712	146	41	judgment	judgment	NOUN
cblr-1712	146	42	order	order	NOUN
cblr-1712	146	43	.	.	PUNCT
cblr-1712	147	1	class	class	NOUN
cblr-1712	147	2	-	-	PUNCT
cblr-1712	147	3	action	action	NOUN
cblr-1712	147	4	settlements	settlement	NOUN
cblr-1712	147	5	must	must	AUX
cblr-1712	147	6	be	be	AUX
cblr-1712	147	7	approved	approve	VERB
cblr-1712	147	8	by	by	ADP
cblr-1712	147	9	the	the	DET
cblr-1712	147	10	court	court	NOUN
cblr-1712	147	11	as	as	ADP
cblr-1712	147	12	fair	fair	ADJ
cblr-1712	147	13	,	,	PUNCT
cblr-1712	147	14	and	and	CCONJ
cblr-1712	147	15	class	class	NOUN
cblr-1712	147	16	counsel	counsel	NOUN
cblr-1712	147	17	must	must	AUX
cblr-1712	147	18	submit	submit	VERB
cblr-1712	147	19	memoranda	memoranda	NOUN
cblr-1712	147	20	in	in	ADP
cblr-1712	147	21	support	support	NOUN
cblr-1712	147	22	of	of	ADP
cblr-1712	147	23	both	both	CCONJ
cblr-1712	147	24	preliminary	preliminary	ADJ
cblr-1712	147	25	and	and	CCONJ
cblr-1712	147	26	final	final	ADJ
cblr-1712	147	27	approval	approval	NOUN
cblr-1712	147	28	of	of	ADP
cblr-1712	147	29	the	the	DET
cblr-1712	147	30	classaction	classaction	NOUN
cblr-1712	147	31	settlement	settlement	NOUN
cblr-1712	147	32	.	.	PUNCT
cblr-1712	148	1	class	class	NOUN
cblr-1712	148	2	counsel	counsel	NOUN
cblr-1712	148	3	also	also	ADV
cblr-1712	148	4	must	must	AUX
cblr-1712	148	5	submit	submit	VERB
cblr-1712	148	6	memoranda	memoranda	NOUN
cblr-1712	148	7	in	in	ADP
cblr-1712	148	8	support	support	NOUN
cblr-1712	148	9	of	of	ADP
cblr-1712	148	10	attorneys	attorney	NOUN
cblr-1712	148	11	’	'	PUNCT
cblr-1712	148	12	fees	fee	NOUN
cblr-1712	148	13	awards	award	NOUN
cblr-1712	148	14	.	.	PUNCT
cblr-1712	149	1	the	the	DET
cblr-1712	149	2	exhibits	exhibit	NOUN
cblr-1712	149	3	attached	attach	VERB
cblr-1712	149	4	to	to	ADP
cblr-1712	149	5	these	these	DET
cblr-1712	149	6	memoranda	memoranda	NOUN
cblr-1712	149	7	virtually	virtually	ADV
cblr-1712	149	8	always	always	ADV
cblr-1712	149	9	include	include	VERB
cblr-1712	149	10	affidavits	affidavit	NOUN
cblr-1712	149	11	from	from	ADP
cblr-1712	149	12	the	the	DET
cblr-1712	149	13	settlement	settlement	PROPN
cblr-1712	149	14	administration	administration	NOUN
cblr-1712	149	15	company	company	NOUN
cblr-1712	149	16	reporting	report	VERB
cblr-1712	149	17	the	the	DET
cblr-1712	149	18	number	number	NOUN
cblr-1712	149	19	of	of	ADP
cblr-1712	149	20	class	class	NOUN
cblr-1712	149	21	members	member	NOUN
cblr-1712	149	22	that	that	PRON
cblr-1712	149	23	it	it	PRON
cblr-1712	149	24	notified	notify	VERB
cblr-1712	149	25	,	,	PUNCT
cblr-1712	149	26	the	the	DET
cblr-1712	149	27	number	number	NOUN
cblr-1712	149	28	of	of	ADP
cblr-1712	149	29	valid	valid	ADJ
cblr-1712	149	30	claims	claim	NOUN
cblr-1712	149	31	,	,	PUNCT
cblr-1712	149	32	and	and	CCONJ
cblr-1712	149	33	similar	similar	ADJ
cblr-1712	149	34	information	information	NOUN
cblr-1712	149	35	.	.	PUNCT
cblr-1712	150	1	if	if	SCONJ
cblr-1712	150	2	the	the	DET
cblr-1712	150	3	exhibits	exhibit	NOUN
cblr-1712	150	4	do	do	AUX
cblr-1712	150	5	not	not	PART
cblr-1712	150	6	contain	contain	VERB
cblr-1712	150	7	such	such	ADJ
cblr-1712	150	8	information	information	NOUN
cblr-1712	150	9	,	,	PUNCT
cblr-1712	150	10	the	the	DET
cblr-1712	150	11	next	next	ADJ
cblr-1712	150	12	step	step	NOUN
cblr-1712	150	13	is	be	AUX
cblr-1712	150	14	to	to	PART
cblr-1712	150	15	examine	examine	VERB
cblr-1712	150	16	the	the	DET
cblr-1712	150	17	memoranda	memoranda	NOUN
cblr-1712	150	18	written	write	VERB
cblr-1712	150	19	to	to	PART
cblr-1712	150	20	justify	justify	VERB
cblr-1712	150	21	an	an	DET
cblr-1712	150	22	award	award	NOUN
cblr-1712	150	23	of	of	ADP
cblr-1712	150	24	attorneys	attorney	NOUN
cblr-1712	150	25	’	'	PUNCT
cblr-1712	150	26	fees	fee	NOUN
cblr-1712	150	27	.	.	PUNCT
cblr-1712	151	1	these	these	DET
cblr-1712	151	2	memoranda	memorandum	NOUN
cblr-1712	151	3	typically	typically	ADV
cblr-1712	151	4	include	include	VERB
cblr-1712	151	5	the	the	DET
cblr-1712	151	6	number	number	NOUN
cblr-1712	151	7	of	of	ADP
cblr-1712	151	8	hours	hour	NOUN
cblr-1712	151	9	spent	spend	VERB
cblr-1712	151	10	on	on	ADP
cblr-1712	151	11	the	the	DET
cblr-1712	151	12	case	case	NOUN
cblr-1712	151	13	,	,	PUNCT
cblr-1712	151	14	the	the	DET
cblr-1712	151	15	proportional	proportional	ADJ
cblr-1712	151	16	relationship	relationship	NOUN
cblr-1712	151	17	between	between	ADP
cblr-1712	151	18	attorneys	attorney	NOUN
cblr-1712	151	19	’	’	PART
cblr-1712	151	20	fees	fee	NOUN
cblr-1712	151	21	and	and	CCONJ
cblr-1712	151	22	the	the	DET
cblr-1712	151	23	nominal	nominal	ADJ
cblr-1712	151	24	25	25	NUM
cblr-1712	151	25	in	in	ADP
cblr-1712	151	26	the	the	DET
cblr-1712	151	27	sample	sample	NOUN
cblr-1712	151	28	studied	study	VERB
cblr-1712	151	29	here	here	ADV
cblr-1712	151	30	,	,	PUNCT
cblr-1712	151	31	there	there	PRON
cblr-1712	151	32	were	be	VERB
cblr-1712	151	33	many	many	ADJ
cblr-1712	151	34	such	such	ADJ
cblr-1712	151	35	doctor	doctor	NOUN
cblr-1712	151	36	’s	’s	PART
cblr-1712	151	37	and	and	CCONJ
cblr-1712	151	38	dentist	dentist	VERB
cblr-1712	151	39	office	office	NOUN
cblr-1712	151	40	junk	junk	NOUN
cblr-1712	151	41	fax	fax	NOUN
cblr-1712	151	42	tcpa	tcpa	NOUN
cblr-1712	151	43	cases	case	NOUN
cblr-1712	151	44	.	.	PUNCT
cblr-1712	152	1	for	for	ADP
cblr-1712	152	2	some	some	DET
cblr-1712	152	3	examples	example	NOUN
cblr-1712	152	4	,	,	PUNCT
cblr-1712	152	5	see	see	VERB
cblr-1712	152	6	dr	dr	PROPN
cblr-1712	152	7	.	.	PROPN
cblr-1712	152	8	g.	g.	PROPN
cblr-1712	152	9	neil	neil	PROPN
cblr-1712	152	10	garrett	garrett	PROPN
cblr-1712	152	11	,	,	PUNCT
cblr-1712	152	12	dds	dds	PROPN
cblr-1712	152	13	v.	v.	ADP
cblr-1712	152	14	sharps	sharps	PROPN
cblr-1712	152	15	compliance	compliance	NOUN
cblr-1712	152	16	,	,	PUNCT
cblr-1712	152	17	no	no	INTJ
cblr-1712	152	18	.	.	NOUN
cblr-1712	152	19	10	10	NUM
cblr-1712	152	20	-	-	PUNCT
cblr-1712	152	21	cv-04030	cv-04030	PROPN
cblr-1712	152	22	(	(	PUNCT
cblr-1712	152	23	n.d	n.d	PROPN
cblr-1712	152	24	.	.	PROPN
cblr-1712	152	25	ill	ill	PROPN
cblr-1712	152	26	.	.	PROPN
cblr-1712	152	27	2010	2010	NUM
cblr-1712	152	28	)	)	PUNCT
cblr-1712	152	29	;	;	PUNCT
cblr-1712	152	30	chicago	chicago	PROPN
cblr-1712	152	31	chiropractic	chiropractic	PROPN
cblr-1712	152	32	&	&	CCONJ
cblr-1712	152	33	sports	sports	PROPN
cblr-1712	152	34	injury	injury	NOUN
cblr-1712	152	35	center	center	PROPN
cblr-1712	152	36	,	,	PUNCT
cblr-1712	152	37	ltd	ltd	PROPN
cblr-1712	152	38	v.	v.	ADP
cblr-1712	152	39	great	great	ADJ
cblr-1712	152	40	plains	plain	NOUN
cblr-1712	152	41	laboratory	laboratory	PROPN
cblr-1712	152	42	,	,	PUNCT
cblr-1712	152	43	inc	inc	PROPN
cblr-1712	152	44	.	.	PROPN
cblr-1712	152	45	,	,	PUNCT
cblr-1712	152	46	et	et	PROPN
cblr-1712	152	47	al	al	PROPN
cblr-1712	152	48	.	.	PROPN
cblr-1712	152	49	,	,	PUNCT
cblr-1712	152	50	no	no	INTJ
cblr-1712	152	51	.	.	NOUN
cblr-1712	152	52	10	10	NUM
cblr-1712	152	53	-	-	PUNCT
cblr-1712	152	54	cv-06151	cv-06151	NOUN
cblr-1712	152	55	(	(	PUNCT
cblr-1712	152	56	n.d	n.d	PROPN
cblr-1712	152	57	.	.	PROPN
cblr-1712	152	58	ill	ill	PROPN
cblr-1712	152	59	.	.	PROPN
cblr-1712	152	60	2010	2010	NUM
cblr-1712	152	61	)	)	PUNCT
cblr-1712	152	62	;	;	PUNCT
cblr-1712	152	63	florence	florence	NOUN
cblr-1712	152	64	mussat	mussat	VERB
cblr-1712	152	65	md	md	PROPN
cblr-1712	152	66	sc	sc	PROPN
cblr-1712	152	67	v.	v.	ADP
cblr-1712	152	68	global	global	PROPN
cblr-1712	152	69	healthcare	healthcare	PROPN
cblr-1712	152	70	resource	resource	PROPN
cblr-1712	152	71	,	,	PUNCT
cblr-1712	152	72	inc	inc	PROPN
cblr-1712	152	73	.	.	PROPN
cblr-1712	152	74	dba	dba	PROPN
cblr-1712	152	75	physician	physician	NOUN
cblr-1712	152	76	billing	billing	NOUN
cblr-1712	152	77	services	services	PROPN
cblr-1712	152	78	,	,	PUNCT
cblr-1712	152	79	inc	inc	PROPN
cblr-1712	152	80	.	.	PROPN
cblr-1712	152	81	,	,	PUNCT
cblr-1712	152	82	no	no	INTJ
cblr-1712	152	83	.	.	NOUN
cblr-1712	153	1	11	11	NUM
cblr-1712	153	2	-	-	PUNCT
cblr-1712	153	3	cv-07035	cv-07035	NOUN
cblr-1712	153	4	(	(	PUNCT
cblr-1712	153	5	n.d	n.d	PROPN
cblr-1712	153	6	.	.	PROPN
cblr-1712	153	7	ill	ill	PROPN
cblr-1712	153	8	.	.	PROPN
cblr-1712	153	9	2011	2011	NUM
cblr-1712	153	10	)	)	PUNCT
cblr-1712	153	11	.	.	PUNCT
cblr-1712	154	1	26	26	NUM
cblr-1712	154	2	in	in	ADP
cblr-1712	154	3	some	some	DET
cblr-1712	154	4	filings	filing	NOUN
cblr-1712	154	5	under	under	ADP
cblr-1712	154	6	multiple	multiple	ADJ
cblr-1712	154	7	statutes	statute	NOUN
cblr-1712	154	8	,	,	PUNCT
cblr-1712	154	9	the	the	DET
cblr-1712	154	10	entire	entire	ADJ
cblr-1712	154	11	history	history	NOUN
cblr-1712	154	12	of	of	ADP
cblr-1712	154	13	the	the	DET
cblr-1712	154	14	case	case	NOUN
cblr-1712	154	15	,	,	PUNCT
cblr-1712	154	16	as	as	SCONJ
cblr-1712	154	17	drawn	draw	VERB
cblr-1712	154	18	from	from	ADP
cblr-1712	154	19	docket	docket	NOUN
cblr-1712	154	20	sheets	sheet	NOUN
cblr-1712	154	21	,	,	PUNCT
cblr-1712	154	22	was	be	AUX
cblr-1712	154	23	considered	consider	VERB
cblr-1712	154	24	when	when	SCONJ
cblr-1712	154	25	categorizing	categorize	VERB
cblr-1712	154	26	the	the	DET
cblr-1712	154	27	case	case	NOUN
cblr-1712	154	28	under	under	ADP
cblr-1712	154	29	the	the	DET
cblr-1712	154	30	statute	statute	NOUN
cblr-1712	154	31	under	under	ADP
cblr-1712	154	32	which	which	PRON
cblr-1712	154	33	the	the	DET
cblr-1712	154	34	action	action	NOUN
cblr-1712	154	35	actually	actually	ADV
cblr-1712	154	36	proceeded	proceed	VERB
cblr-1712	154	37	.	.	PUNCT
cblr-1712	155	1	johnston	johnston	PROPN
cblr-1712	155	2	–	–	PUNCT
cblr-1712	155	3	final	final	ADJ
cblr-1712	155	4	14	14	NUM
cblr-1712	155	5	columbia	columbia	PROPN
cblr-1712	155	6	business	business	NOUN
cblr-1712	155	7	law	law	PROPN
cblr-1712	155	8	review	review	NOUN
cblr-1712	156	1	[	[	X
cblr-1712	156	2	vol	vol	NOUN
cblr-1712	156	3	.	.	NOUN
cblr-1712	156	4	2017	2017	NUM
cblr-1712	156	5	settlement	settlement	NOUN
cblr-1712	156	6	amount	amount	NOUN
cblr-1712	156	7	typical	typical	ADJ
cblr-1712	156	8	of	of	ADP
cblr-1712	156	9	similar	similar	ADJ
cblr-1712	156	10	cases	case	NOUN
cblr-1712	156	11	in	in	ADP
cblr-1712	156	12	the	the	DET
cblr-1712	156	13	northern	northern	ADJ
cblr-1712	156	14	district	district	NOUN
cblr-1712	156	15	of	of	ADP
cblr-1712	156	16	illinois	illinois	PROPN
cblr-1712	156	17	and	and	CCONJ
cblr-1712	156	18	elsewhere	elsewhere	ADV
cblr-1712	156	19	around	around	ADP
cblr-1712	156	20	the	the	DET
cblr-1712	156	21	country	country	NOUN
cblr-1712	156	22	,	,	PUNCT
cblr-1712	156	23	and	and	CCONJ
cblr-1712	156	24	other	other	ADJ
cblr-1712	156	25	information	information	NOUN
cblr-1712	156	26	detailing	detail	VERB
cblr-1712	156	27	how	how	SCONJ
cblr-1712	156	28	the	the	DET
cblr-1712	156	29	settlement	settlement	NOUN
cblr-1712	156	30	funds	fund	NOUN
cblr-1712	156	31	will	will	AUX
cblr-1712	156	32	be	be	AUX
cblr-1712	156	33	distributed	distribute	VERB
cblr-1712	156	34	.	.	PUNCT
cblr-1712	157	1	these	these	DET
cblr-1712	157	2	memoranda	memorandum	NOUN
cblr-1712	157	3	and	and	CCONJ
cblr-1712	157	4	their	their	PRON
cblr-1712	157	5	supporting	support	VERB
cblr-1712	157	6	exhibits	exhibit	NOUN
cblr-1712	157	7	are	be	AUX
cblr-1712	157	8	the	the	DET
cblr-1712	157	9	primary	primary	ADJ
cblr-1712	157	10	source	source	NOUN
cblr-1712	157	11	of	of	ADP
cblr-1712	157	12	information	information	NOUN
cblr-1712	157	13	about	about	ADP
cblr-1712	157	14	class	class	NOUN
cblr-1712	157	15	-	-	PUNCT
cblr-1712	157	16	action	action	NOUN
cblr-1712	157	17	settlements	settlement	NOUN
cblr-1712	157	18	.	.	PUNCT
cblr-1712	158	1	rarely	rarely	ADV
cblr-1712	158	2	did	do	AUX
cblr-1712	158	3	district	district	NOUN
cblr-1712	158	4	courts	court	NOUN
cblr-1712	158	5	write	write	VERB
cblr-1712	158	6	opinions	opinion	NOUN
cblr-1712	158	7	explaining	explain	VERB
cblr-1712	158	8	why	why	SCONJ
cblr-1712	158	9	they	they	PRON
cblr-1712	158	10	found	find	VERB
cblr-1712	158	11	a	a	DET
cblr-1712	158	12	class	class	NOUN
cblr-1712	158	13	settlement	settlement	NOUN
cblr-1712	158	14	to	to	PART
cblr-1712	158	15	be	be	AUX
cblr-1712	158	16	fair	fair	ADJ
cblr-1712	158	17	.	.	PUNCT
cblr-1712	159	1	for	for	ADP
cblr-1712	159	2	a	a	DET
cblr-1712	159	3	small	small	ADJ
cblr-1712	159	4	number	number	NOUN
cblr-1712	159	5	of	of	ADP
cblr-1712	159	6	class	class	NOUN
cblr-1712	159	7	-	-	PUNCT
cblr-1712	159	8	action	action	NOUN
cblr-1712	159	9	settlements	settlement	NOUN
cblr-1712	159	10	,	,	PUNCT
cblr-1712	159	11	no	no	DET
cblr-1712	159	12	formal	formal	ADJ
cblr-1712	159	13	memoranda	memoranda	NOUN
cblr-1712	159	14	from	from	ADP
cblr-1712	159	15	counsel	counsel	NOUN
cblr-1712	159	16	justify	justify	VERB
cblr-1712	159	17	the	the	DET
cblr-1712	159	18	settlement	settlement	NOUN
cblr-1712	159	19	’s	’s	PART
cblr-1712	159	20	fairness	fairness	NOUN
cblr-1712	159	21	.	.	PUNCT
cblr-1712	160	1	instead	instead	ADV
cblr-1712	160	2	,	,	PUNCT
cblr-1712	160	3	the	the	DET
cblr-1712	160	4	dockets	docket	NOUN
cblr-1712	160	5	included	include	VERB
cblr-1712	160	6	only	only	ADV
cblr-1712	160	7	an	an	DET
cblr-1712	160	8	order	order	NOUN
cblr-1712	160	9	from	from	ADP
cblr-1712	160	10	the	the	DET
cblr-1712	160	11	court	court	NOUN
cblr-1712	160	12	approving	approve	VERB
cblr-1712	160	13	the	the	DET
cblr-1712	160	14	settlement	settlement	NOUN
cblr-1712	160	15	.	.	PUNCT
cblr-1712	161	1	it	it	PRON
cblr-1712	161	2	is	be	AUX
cblr-1712	161	3	noteworthy	noteworthy	ADJ
cblr-1712	161	4	that	that	SCONJ
cblr-1712	161	5	in	in	ADP
cblr-1712	161	6	the	the	DET
cblr-1712	161	7	entire	entire	ADJ
cblr-1712	161	8	sample	sample	NOUN
cblr-1712	161	9	of	of	ADP
cblr-1712	161	10	about	about	ADV
cblr-1712	161	11	500	500	NUM
cblr-1712	161	12	consumer	consumer	NOUN
cblr-1712	161	13	class	class	NOUN
cblr-1712	161	14	-	-	PUNCT
cblr-1712	161	15	action	action	NOUN
cblr-1712	161	16	filings	filing	NOUN
cblr-1712	161	17	,	,	PUNCT
cblr-1712	161	18	not	not	PART
cblr-1712	161	19	a	a	DET
cblr-1712	161	20	single	single	ADJ
cblr-1712	161	21	district	district	NOUN
cblr-1712	161	22	court	court	NOUN
cblr-1712	161	23	opinion	opinion	NOUN
cblr-1712	161	24	ultimately	ultimately	ADV
cblr-1712	161	25	declined	decline	VERB
cblr-1712	161	26	to	to	PART
cblr-1712	161	27	approve	approve	VERB
cblr-1712	161	28	a	a	DET
cblr-1712	161	29	class	class	NOUN
cblr-1712	161	30	-	-	PUNCT
cblr-1712	161	31	action	action	NOUN
cblr-1712	161	32	settlement	settlement	NOUN
cblr-1712	161	33	.	.	PUNCT
cblr-1712	162	1	individual	individual	ADJ
cblr-1712	162	2	settlements	settlement	NOUN
cblr-1712	162	3	are	be	AUX
cblr-1712	162	4	more	more	ADV
cblr-1712	162	5	difficult	difficult	ADJ
cblr-1712	162	6	to	to	PART
cblr-1712	162	7	identify	identify	VERB
cblr-1712	162	8	.	.	PUNCT
cblr-1712	163	1	in	in	ADP
cblr-1712	163	2	some	some	DET
cblr-1712	163	3	dockets	docket	NOUN
cblr-1712	163	4	,	,	PUNCT
cblr-1712	163	5	entries	entry	NOUN
cblr-1712	163	6	indicate	indicate	VERB
cblr-1712	163	7	that	that	SCONJ
cblr-1712	163	8	the	the	DET
cblr-1712	163	9	parties	party	NOUN
cblr-1712	163	10	had	have	AUX
cblr-1712	163	11	discussed	discuss	VERB
cblr-1712	163	12	settlement	settlement	NOUN
cblr-1712	163	13	and/or	and/or	CCONJ
cblr-1712	163	14	reached	reach	VERB
cblr-1712	163	15	an	an	DET
cblr-1712	163	16	individual	individual	ADJ
cblr-1712	163	17	settlement	settlement	NOUN
cblr-1712	163	18	.	.	PUNCT
cblr-1712	164	1	in	in	ADP
cblr-1712	164	2	such	such	ADJ
cblr-1712	164	3	instances	instance	NOUN
cblr-1712	164	4	,	,	PUNCT
cblr-1712	164	5	the	the	DET
cblr-1712	164	6	case	case	NOUN
cblr-1712	164	7	was	be	AUX
cblr-1712	164	8	resolved	resolve	VERB
cblr-1712	164	9	with	with	ADP
cblr-1712	164	10	the	the	DET
cblr-1712	164	11	entry	entry	NOUN
cblr-1712	164	12	of	of	ADP
cblr-1712	164	13	an	an	DET
cblr-1712	164	14	order	order	NOUN
cblr-1712	164	15	dismissing	dismiss	VERB
cblr-1712	164	16	the	the	DET
cblr-1712	164	17	individual	individual	ADJ
cblr-1712	164	18	claim	claim	NOUN
cblr-1712	164	19	with	with	ADP
cblr-1712	164	20	prejudice	prejudice	NOUN
cblr-1712	164	21	and	and	CCONJ
cblr-1712	164	22	the	the	DET
cblr-1712	164	23	class	class	NOUN
cblr-1712	164	24	claims	claim	VERB
cblr-1712	164	25	without	without	ADP
cblr-1712	164	26	prejudice	prejudice	NOUN
cblr-1712	164	27	.	.	PUNCT
cblr-1712	165	1	in	in	ADP
cblr-1712	165	2	a	a	DET
cblr-1712	165	3	minority	minority	NOUN
cblr-1712	165	4	of	of	ADP
cblr-1712	165	5	cases	case	NOUN
cblr-1712	165	6	,	,	PUNCT
cblr-1712	165	7	a	a	DET
cblr-1712	165	8	final	final	ADJ
cblr-1712	165	9	order	order	NOUN
cblr-1712	165	10	was	be	AUX
cblr-1712	165	11	stipulated	stipulate	VERB
cblr-1712	165	12	to	to	ADP
cblr-1712	165	13	and	and	CCONJ
cblr-1712	165	14	entered	enter	VERB
cblr-1712	165	15	dismissing	dismiss	VERB
cblr-1712	165	16	the	the	DET
cblr-1712	165	17	individual	individual	ADJ
cblr-1712	165	18	claim	claim	NOUN
cblr-1712	165	19	with	with	ADP
cblr-1712	165	20	prejudice	prejudice	NOUN
cblr-1712	165	21	and	and	CCONJ
cblr-1712	165	22	the	the	DET
cblr-1712	165	23	class	class	NOUN
cblr-1712	165	24	claim	claim	NOUN
cblr-1712	165	25	without	without	ADP
cblr-1712	165	26	prejudice	prejudice	NOUN
cblr-1712	165	27	,	,	PUNCT
cblr-1712	165	28	but	but	CCONJ
cblr-1712	165	29	no	no	DET
cblr-1712	165	30	prior	prior	ADJ
cblr-1712	165	31	entries	entry	NOUN
cblr-1712	165	32	state	state	NOUN
cblr-1712	165	33	that	that	SCONJ
cblr-1712	165	34	the	the	DET
cblr-1712	165	35	case	case	NOUN
cblr-1712	165	36	had	have	AUX
cblr-1712	165	37	settled	settle	VERB
cblr-1712	165	38	individually	individually	ADV
cblr-1712	165	39	.	.	PUNCT
cblr-1712	166	1	we	we	PRON
cblr-1712	166	2	coded	code	VERB
cblr-1712	166	3	such	such	ADJ
cblr-1712	166	4	outcomes	outcome	NOUN
cblr-1712	166	5	as	as	ADP
cblr-1712	166	6	an	an	DET
cblr-1712	166	7	“	"	PUNCT
cblr-1712	166	8	individual	individual	ADJ
cblr-1712	166	9	settlement	settlement	NOUN
cblr-1712	166	10	.	.	PUNCT
cblr-1712	166	11	”	"	PUNCT
cblr-1712	167	1	2	2	NUM
cblr-1712	167	2	.	.	X
cblr-1712	167	3	relationship	relationship	NOUN
cblr-1712	167	4	to	to	ADP
cblr-1712	167	5	prior	prior	ADJ
cblr-1712	167	6	empirical	empirical	ADJ
cblr-1712	167	7	studies	study	NOUN
cblr-1712	167	8	of	of	ADP
cblr-1712	167	9	consumer	consumer	NOUN
cblr-1712	167	10	class	class	NOUN
cblr-1712	167	11	actions	action	NOUN
cblr-1712	167	12	few	few	ADJ
cblr-1712	167	13	other	other	ADJ
cblr-1712	167	14	studies	study	NOUN
cblr-1712	167	15	have	have	AUX
cblr-1712	167	16	considered	consider	VERB
cblr-1712	167	17	the	the	DET
cblr-1712	167	18	performance	performance	NOUN
cblr-1712	167	19	of	of	ADP
cblr-1712	167	20	consumer	consumer	NOUN
cblr-1712	167	21	class	class	NOUN
cblr-1712	167	22	actions	action	NOUN
cblr-1712	167	23	as	as	ADP
cblr-1712	167	24	an	an	DET
cblr-1712	167	25	instrument	instrument	NOUN
cblr-1712	167	26	of	of	ADP
cblr-1712	167	27	compensation	compensation	NOUN
cblr-1712	167	28	or	or	CCONJ
cblr-1712	167	29	deterrence	deterrence	NOUN
cblr-1712	167	30	.	.	PUNCT
cblr-1712	168	1	indeed	indeed	ADV
cblr-1712	168	2	,	,	PUNCT
cblr-1712	168	3	the	the	DET
cblr-1712	168	4	only	only	ADJ
cblr-1712	168	5	other	other	ADJ
cblr-1712	168	6	systematic	systematic	ADJ
cblr-1712	168	7	study	study	NOUN
cblr-1712	168	8	of	of	ADP
cblr-1712	168	9	class	class	NOUN
cblr-1712	168	10	actions	action	NOUN
cblr-1712	168	11	drawn	draw	VERB
cblr-1712	168	12	from	from	ADP
cblr-1712	168	13	a	a	DET
cblr-1712	168	14	search	search	NOUN
cblr-1712	168	15	of	of	ADP
cblr-1712	168	16	case	case	NOUN
cblr-1712	168	17	filings	filing	NOUN
cblr-1712	168	18	(	(	PUNCT
cblr-1712	168	19	as	as	SCONJ
cblr-1712	168	20	opposed	oppose	VERB
cblr-1712	168	21	to	to	ADP
cblr-1712	168	22	reported	report	VERB
cblr-1712	168	23	opinions	opinion	NOUN
cblr-1712	168	24	and	and	CCONJ
cblr-1712	168	25	other	other	ADJ
cblr-1712	168	26	selective	selective	ADJ
cblr-1712	168	27	reports	report	NOUN
cblr-1712	168	28	)	)	PUNCT
cblr-1712	168	29	appeared	appear	VERB
cblr-1712	168	30	in	in	ADP
cblr-1712	168	31	the	the	DET
cblr-1712	168	32	2015	2015	NUM
cblr-1712	168	33	arbitration	arbitration	NOUN
cblr-1712	168	34	study.27	study.27	PROPN
cblr-1712	168	35	there	there	ADV
cblr-1712	168	36	,	,	PUNCT
cblr-1712	168	37	the	the	DET
cblr-1712	168	38	cfpb	cfpb	NOUN
cblr-1712	168	39	attempted	attempt	VERB
cblr-1712	168	40	to	to	ADP
cblr-1712	168	41	27	27	NUM
cblr-1712	168	42	see	see	VERB
cblr-1712	168	43	2015	2015	NUM
cblr-1712	168	44	arbitration	arbitration	NOUN
cblr-1712	168	45	study	study	NOUN
cblr-1712	168	46	,	,	PUNCT
cblr-1712	168	47	supra	supra	PROPN
cblr-1712	168	48	note	note	NOUN
cblr-1712	168	49	21	21	NUM
cblr-1712	168	50	.	.	PUNCT
cblr-1712	169	1	johnston	johnston	PROPN
cblr-1712	169	2	–	–	PUNCT
cblr-1712	169	3	final	final	ADJ
cblr-1712	169	4	no	no	NOUN
cblr-1712	169	5	.	.	NOUN
cblr-1712	169	6	1:1	1:1	NUM
cblr-1712	169	7	]	]	X
cblr-1712	169	8	high	high	ADJ
cblr-1712	169	9	cost	cost	NOUN
cblr-1712	169	10	,	,	PUNCT
cblr-1712	169	11	little	little	ADJ
cblr-1712	169	12	compensation	compensation	NOUN
cblr-1712	169	13	15	15	NUM
cblr-1712	169	14	identify	identify	VERB
cblr-1712	169	15	all	all	DET
cblr-1712	169	16	consumer	consumer	NOUN
cblr-1712	169	17	class	class	NOUN
cblr-1712	169	18	actions	action	NOUN
cblr-1712	169	19	filed	file	VERB
cblr-1712	169	20	in	in	ADP
cblr-1712	169	21	federal	federal	ADJ
cblr-1712	169	22	court	court	NOUN
cblr-1712	169	23	(	(	PUNCT
cblr-1712	169	24	and	and	CCONJ
cblr-1712	169	25	for	for	ADP
cblr-1712	169	26	selected	select	VERB
cblr-1712	169	27	state	state	NOUN
cblr-1712	169	28	courts	court	NOUN
cblr-1712	169	29	)	)	PUNCT
cblr-1712	169	30	during	during	ADP
cblr-1712	169	31	2010–2012	2010–2012	NUM
cblr-1712	169	32	that	that	PRON
cblr-1712	169	33	involved	involve	VERB
cblr-1712	169	34	one	one	NUM
cblr-1712	169	35	of	of	ADP
cblr-1712	169	36	six	six	NUM
cblr-1712	169	37	product	product	NOUN
cblr-1712	169	38	categories	category	NOUN
cblr-1712	169	39	that	that	SCONJ
cblr-1712	169	40	the	the	DET
cblr-1712	169	41	cfpb	cfpb	NOUN
cblr-1712	169	42	categorized	categorize	VERB
cblr-1712	169	43	as	as	ADP
cblr-1712	169	44	a	a	DET
cblr-1712	169	45	“	"	PUNCT
cblr-1712	169	46	financial	financial	ADJ
cblr-1712	169	47	product	product	NOUN
cblr-1712	169	48	.	.	PUNCT
cblr-1712	169	49	”	"	PUNCT
cblr-1712	170	1	the	the	DET
cblr-1712	170	2	cfpb	cfpb	NOUN
cblr-1712	170	3	looked	look	VERB
cblr-1712	170	4	at	at	ADP
cblr-1712	170	5	all	all	DET
cblr-1712	170	6	federal	federal	ADJ
cblr-1712	170	7	courts	court	NOUN
cblr-1712	170	8	,	,	PUNCT
cblr-1712	170	9	whereas	whereas	SCONJ
cblr-1712	170	10	this	this	DET
cblr-1712	170	11	study	study	NOUN
cblr-1712	170	12	is	be	AUX
cblr-1712	170	13	based	base	VERB
cblr-1712	170	14	on	on	ADP
cblr-1712	170	15	a	a	DET
cblr-1712	170	16	sample	sample	NOUN
cblr-1712	170	17	from	from	ADP
cblr-1712	170	18	only	only	ADV
cblr-1712	170	19	the	the	DET
cblr-1712	170	20	northern	northern	ADJ
cblr-1712	170	21	district	district	NOUN
cblr-1712	170	22	of	of	ADP
cblr-1712	170	23	illinois	illinois	PROPN
cblr-1712	170	24	.	.	PUNCT
cblr-1712	171	1	the	the	DET
cblr-1712	171	2	cfpb	cfpb	NOUN
cblr-1712	171	3	looked	look	VERB
cblr-1712	171	4	at	at	ADP
cblr-1712	171	5	the	the	DET
cblr-1712	171	6	same	same	ADJ
cblr-1712	171	7	time	time	NOUN
cblr-1712	171	8	period	period	NOUN
cblr-1712	171	9	examined	examine	VERB
cblr-1712	171	10	here	here	ADV
cblr-1712	171	11	,	,	PUNCT
cblr-1712	171	12	and	and	CCONJ
cblr-1712	171	13	its	its	PRON
cblr-1712	171	14	methodology	methodology	NOUN
cblr-1712	171	15	was	be	AUX
cblr-1712	171	16	similar	similar	ADJ
cblr-1712	171	17	to	to	ADP
cblr-1712	171	18	that	that	PRON
cblr-1712	171	19	employed	employ	VERB
cblr-1712	171	20	here	here	ADV
cblr-1712	171	21	,	,	PUNCT
cblr-1712	171	22	in	in	SCONJ
cblr-1712	171	23	that	that	SCONJ
cblr-1712	171	24	the	the	DET
cblr-1712	171	25	cfpb	cfpb	NOUN
cblr-1712	171	26	searched	search	VERB
cblr-1712	171	27	complaints	complaint	NOUN
cblr-1712	171	28	and	and	CCONJ
cblr-1712	171	29	other	other	ADJ
cblr-1712	171	30	docket	docket	NOUN
cblr-1712	171	31	items	item	NOUN
cblr-1712	171	32	that	that	PRON
cblr-1712	171	33	are	be	AUX
cblr-1712	171	34	available	available	ADJ
cblr-1712	171	35	electronically.28	electronically.28	NOUN
cblr-1712	171	36	however	however	ADV
cblr-1712	171	37	,	,	PUNCT
cblr-1712	171	38	the	the	DET
cblr-1712	171	39	cfpb	cfpb	NOUN
cblr-1712	171	40	sought	seek	VERB
cblr-1712	171	41	to	to	PART
cblr-1712	171	42	find	find	VERB
cblr-1712	171	43	all	all	DET
cblr-1712	171	44	federal	federal	ADJ
cblr-1712	171	45	filings	filing	NOUN
cblr-1712	171	46	involving	involve	VERB
cblr-1712	171	47	one	one	NUM
cblr-1712	171	48	of	of	ADP
cblr-1712	171	49	its	its	PRON
cblr-1712	171	50	six	six	NUM
cblr-1712	171	51	consumer	consumer	NOUN
cblr-1712	171	52	financial	financial	ADJ
cblr-1712	171	53	product	product	NOUN
cblr-1712	171	54	categories	category	NOUN
cblr-1712	171	55	,	,	PUNCT
cblr-1712	171	56	whether	whether	SCONJ
cblr-1712	171	57	brought	bring	VERB
cblr-1712	171	58	as	as	ADP
cblr-1712	171	59	an	an	DET
cblr-1712	171	60	individual	individual	ADJ
cblr-1712	171	61	action	action	NOUN
cblr-1712	171	62	or	or	CCONJ
cblr-1712	171	63	a	a	DET
cblr-1712	171	64	class	class	NOUN
cblr-1712	171	65	action.29	action.29	NOUN
cblr-1712	171	66	here	here	ADV
cblr-1712	171	67	,	,	PUNCT
cblr-1712	171	68	the	the	DET
cblr-1712	171	69	objective	objective	NOUN
cblr-1712	171	70	is	be	AUX
cblr-1712	171	71	to	to	PART
cblr-1712	171	72	identify	identify	VERB
cblr-1712	171	73	all	all	DET
cblr-1712	171	74	consumer	consumer	NOUN
cblr-1712	171	75	class	class	NOUN
cblr-1712	171	76	actions	action	NOUN
cblr-1712	171	77	.	.	PUNCT
cblr-1712	172	1	as	as	SCONJ
cblr-1712	172	2	the	the	DET
cblr-1712	172	3	cfpb	cfpb	NOUN
cblr-1712	172	4	’s	’s	PART
cblr-1712	172	5	study	study	NOUN
cblr-1712	172	6	is	be	AUX
cblr-1712	172	7	very	very	ADV
cblr-1712	172	8	large	large	ADJ
cblr-1712	172	9	and	and	CCONJ
cblr-1712	172	10	employs	employ	VERB
cblr-1712	172	11	a	a	DET
cblr-1712	172	12	similar	similar	ADJ
cblr-1712	172	13	search	search	NOUN
cblr-1712	172	14	methodology	methodology	NOUN
cblr-1712	172	15	to	to	ADP
cblr-1712	172	16	that	that	PRON
cblr-1712	172	17	used	use	VERB
cblr-1712	172	18	here	here	ADV
cblr-1712	172	19	,	,	PUNCT
cblr-1712	172	20	this	this	DET
cblr-1712	172	21	article	article	NOUN
cblr-1712	172	22	often	often	ADV
cblr-1712	172	23	compares	compare	VERB
cblr-1712	172	24	the	the	DET
cblr-1712	172	25	cfpb	cfpb	NOUN
cblr-1712	172	26	’s	’s	PART
cblr-1712	172	27	findings	finding	NOUN
cblr-1712	172	28	to	to	ADP
cblr-1712	172	29	the	the	DET
cblr-1712	172	30	findings	finding	NOUN
cblr-1712	172	31	reported	report	VERB
cblr-1712	172	32	below.30	below.30	VERB
cblr-1712	172	33	the	the	DET
cblr-1712	172	34	only	only	ADJ
cblr-1712	172	35	other	other	ADJ
cblr-1712	172	36	study	study	NOUN
cblr-1712	172	37	of	of	ADP
cblr-1712	172	38	consumer	consumer	NOUN
cblr-1712	172	39	class	class	NOUN
cblr-1712	172	40	actions	action	NOUN
cblr-1712	172	41	that	that	PRON
cblr-1712	172	42	gathered	gather	VERB
cblr-1712	172	43	data	datum	NOUN
cblr-1712	172	44	directly	directly	ADV
cblr-1712	172	45	from	from	ADP
cblr-1712	172	46	docket	docket	NOUN
cblr-1712	172	47	sheets	sheet	NOUN
cblr-1712	172	48	is	be	AUX
cblr-1712	172	49	by	by	ADP
cblr-1712	172	50	fitzpatrick	fitzpatrick	NOUN
cblr-1712	172	51	and	and	CCONJ
cblr-1712	172	52	gilbert.31	gilbert.31	NOUN
cblr-1712	172	53	that	that	DET
cblr-1712	172	54	study	study	NOUN
cblr-1712	172	55	looked	look	VERB
cblr-1712	172	56	at	at	ADP
cblr-1712	172	57	only	only	ADV
cblr-1712	172	58	fifteen	fifteen	NUM
cblr-1712	172	59	class	class	NOUN
cblr-1712	172	60	-	-	PUNCT
cblr-1712	172	61	action	action	NOUN
cblr-1712	172	62	settlements	settlement	NOUN
cblr-1712	172	63	in	in	ADP
cblr-1712	172	64	class	class	NOUN
cblr-1712	172	65	actions	action	NOUN
cblr-1712	172	66	challenging	challenge	VERB
cblr-1712	172	67	bank	bank	NOUN
cblr-1712	172	68	overdraft	overdraft	NOUN
cblr-1712	172	69	on	on	ADP
cblr-1712	172	70	a	a	DET
cblr-1712	172	71	variety	variety	NOUN
cblr-1712	172	72	of	of	ADP
cblr-1712	172	73	state	state	NOUN
cblr-1712	172	74	law	law	NOUN
cblr-1712	172	75	theories.32	theories.32	VERB
cblr-1712	172	76	one	one	NUM
cblr-1712	172	77	of	of	ADP
cblr-1712	172	78	the	the	DET
cblr-1712	172	79	authors	author	NOUN
cblr-1712	172	80	was	be	AUX
cblr-1712	172	81	coordinating	coordinate	VERB
cblr-1712	172	82	lead	lead	NOUN
cblr-1712	172	83	class	class	NOUN
cblr-1712	172	84	counsel	counsel	NOUN
cblr-1712	172	85	in	in	ADP
cblr-1712	172	86	the	the	DET
cblr-1712	172	87	consolidated	consolidated	ADJ
cblr-1712	172	88	litigation	litigation	NOUN
cblr-1712	172	89	discussed	discuss	VERB
cblr-1712	172	90	by	by	ADP
cblr-1712	172	91	the	the	DET
cblr-1712	172	92	study.33	study.33	PROPN
cblr-1712	172	93	most	most	ADV
cblr-1712	172	94	importantly	importantly	ADV
cblr-1712	172	95	for	for	ADP
cblr-1712	172	96	present	present	ADJ
cblr-1712	172	97	purposes	purpose	NOUN
cblr-1712	172	98	,	,	PUNCT
cblr-1712	172	99	the	the	DET
cblr-1712	172	100	overdraft	overdraft	NOUN
cblr-1712	172	101	fee	fee	NOUN
cblr-1712	172	102	class	class	NOUN
cblr-1712	172	103	actions	action	NOUN
cblr-1712	172	104	studied	study	VERB
cblr-1712	172	105	by	by	ADP
cblr-1712	172	106	fitzpatrick	fitzpatrick	PROPN
cblr-1712	172	107	and	and	CCONJ
cblr-1712	172	108	gilbert	gilbert	PROPN
cblr-1712	172	109	were	be	AUX
cblr-1712	172	110	not	not	PART
cblr-1712	172	111	brought	bring	VERB
cblr-1712	172	112	under	under	ADP
cblr-1712	172	113	the	the	DET
cblr-1712	172	114	federal	federal	ADJ
cblr-1712	172	115	consumer	consumer	NOUN
cblr-1712	172	116	protection	protection	NOUN
cblr-1712	172	117	statutes	statute	NOUN
cblr-1712	172	118	studied	study	VERB
cblr-1712	172	119	here	here	ADV
cblr-1712	172	120	.	.	PUNCT
cblr-1712	173	1	28	28	NUM
cblr-1712	173	2	in	in	ADP
cblr-1712	173	3	the	the	DET
cblr-1712	173	4	lexisnexis	lexisnexis	NOUN
cblr-1712	173	5	courtlink	courtlink	ADJ
cblr-1712	173	6	electronic	electronic	ADJ
cblr-1712	173	7	database	database	NOUN
cblr-1712	173	8	,	,	PUNCT
cblr-1712	173	9	which	which	PRON
cblr-1712	173	10	includes	include	VERB
cblr-1712	173	11	the	the	DET
cblr-1712	173	12	docket	docket	NOUN
cblr-1712	173	13	entries	entry	NOUN
cblr-1712	173	14	found	find	VERB
cblr-1712	173	15	in	in	ADP
cblr-1712	173	16	pacer	pacer	NOUN
cblr-1712	173	17	that	that	PRON
cblr-1712	173	18	were	be	AUX
cblr-1712	173	19	used	use	VERB
cblr-1712	173	20	in	in	ADP
cblr-1712	173	21	this	this	DET
cblr-1712	173	22	paper	paper	NOUN
cblr-1712	173	23	.	.	PUNCT
cblr-1712	174	1	29	29	NUM
cblr-1712	174	2	section	section	NOUN
cblr-1712	174	3	6	6	NUM
cblr-1712	174	4	,	,	PUNCT
cblr-1712	174	5	in	in	ADP
cblr-1712	174	6	2015	2015	NUM
cblr-1712	174	7	arbitration	arbitration	NOUN
cblr-1712	174	8	study	study	NOUN
cblr-1712	174	9	,	,	PUNCT
cblr-1712	174	10	supra	supra	PROPN
cblr-1712	174	11	note	note	PROPN
cblr-1712	174	12	21	21	NUM
cblr-1712	174	13	,	,	PUNCT
cblr-1712	174	14	at	at	ADP
cblr-1712	174	15	11–15	11–15	NUM
cblr-1712	174	16	;	;	PUNCT
cblr-1712	174	17	appendix	appendix	PROPN
cblr-1712	174	18	l	l	NOUN
cblr-1712	174	19	:	:	PUNCT
cblr-1712	174	20	section	section	NOUN
cblr-1712	174	21	6	6	NUM
cblr-1712	174	22	,	,	PUNCT
cblr-1712	174	23	in	in	ADP
cblr-1712	174	24	2015	2015	NUM
cblr-1712	174	25	arbitration	arbitration	NOUN
cblr-1712	174	26	study	study	NOUN
cblr-1712	174	27	,	,	PUNCT
cblr-1712	174	28	supra	supra	PROPN
cblr-1712	174	29	note	note	NOUN
cblr-1712	174	30	21	21	NUM
cblr-1712	174	31	.	.	NOUN
cblr-1712	174	32	30	30	NUM
cblr-1712	174	33	appendix	appendix	NOUN
cblr-1712	174	34	2	2	NUM
cblr-1712	174	35	includes	include	VERB
cblr-1712	174	36	other	other	ADJ
cblr-1712	174	37	differences	difference	NOUN
cblr-1712	174	38	in	in	ADP
cblr-1712	174	39	search	search	NOUN
cblr-1712	174	40	methodology	methodology	NOUN
cblr-1712	174	41	between	between	ADP
cblr-1712	174	42	this	this	DET
cblr-1712	174	43	study	study	NOUN
cblr-1712	174	44	and	and	CCONJ
cblr-1712	174	45	the	the	DET
cblr-1712	174	46	cfpb	cfpb	NOUN
cblr-1712	174	47	’s	’s	PART
cblr-1712	174	48	.	.	PUNCT
cblr-1712	175	1	31	31	NUM
cblr-1712	175	2	brian	brian	PROPN
cblr-1712	175	3	t.	t.	PROPN
cblr-1712	175	4	fitzpatrick	fitzpatrick	PROPN
cblr-1712	175	5	&	&	CCONJ
cblr-1712	175	6	robert	robert	PROPN
cblr-1712	175	7	c.	c.	PROPN
cblr-1712	175	8	gilbert	gilbert	PROPN
cblr-1712	175	9	,	,	PUNCT
cblr-1712	175	10	an	an	DET
cblr-1712	175	11	empirical	empirical	ADJ
cblr-1712	175	12	look	look	NOUN
cblr-1712	175	13	at	at	ADP
cblr-1712	175	14	compensation	compensation	NOUN
cblr-1712	175	15	in	in	ADP
cblr-1712	175	16	consumer	consumer	NOUN
cblr-1712	175	17	class	class	NOUN
cblr-1712	175	18	actions	action	NOUN
cblr-1712	175	19	,	,	PUNCT
cblr-1712	175	20	n.y.u	n.y.u	NOUN
cblr-1712	175	21	.	.	PUNCT
cblr-1712	176	1	j.l	j.l	PROPN
cblr-1712	176	2	.	.	PROPN
cblr-1712	176	3	&	&	CCONJ
cblr-1712	176	4	bus	bus	PROPN
cblr-1712	176	5	.	.	PUNCT
cblr-1712	177	1	767	767	NUM
cblr-1712	177	2	,	,	PUNCT
cblr-1712	177	3	779	779	NUM
cblr-1712	177	4	(	(	PUNCT
cblr-1712	177	5	2015	2015	NUM
cblr-1712	177	6	)	)	PUNCT
cblr-1712	177	7	.	.	PUNCT
cblr-1712	178	1	32	32	NUM
cblr-1712	179	1	i	i	PRON
cblr-1712	179	2	d.	d.	PROPN
cblr-1712	179	3	at	at	ADP
cblr-1712	179	4	779–80	779–80	PROPN
cblr-1712	179	5	.	.	PUNCT
cblr-1712	180	1	33	33	NUM
cblr-1712	181	1	i	i	PRON
cblr-1712	181	2	d.	d.	VERB
cblr-1712	181	3	at	at	ADP
cblr-1712	181	4	767	767	NUM
cblr-1712	181	5	.	.	PUNCT
cblr-1712	182	1	johnston	johnston	PROPN
cblr-1712	182	2	–	–	PUNCT
cblr-1712	182	3	final	final	ADJ
cblr-1712	182	4	16	16	NUM
cblr-1712	182	5	columbia	columbia	PROPN
cblr-1712	182	6	business	business	NOUN
cblr-1712	182	7	law	law	PROPN
cblr-1712	182	8	review	review	NOUN
cblr-1712	182	9	[	[	X
cblr-1712	182	10	vol	vol	NOUN
cblr-1712	182	11	.	.	NOUN
cblr-1712	182	12	2017	2017	NUM
cblr-1712	182	13	a	a	DET
cblr-1712	182	14	recent	recent	ADJ
cblr-1712	182	15	2016	2016	NUM
cblr-1712	182	16	study	study	NOUN
cblr-1712	182	17	by	by	ADP
cblr-1712	182	18	joanna	joanna	PROPN
cblr-1712	182	19	shepherd	shepherd	PROPN
cblr-1712	182	20	closely	closely	ADV
cblr-1712	182	21	relates	relate	VERB
cblr-1712	182	22	to	to	ADP
cblr-1712	182	23	the	the	DET
cblr-1712	182	24	present	present	ADJ
cblr-1712	182	25	article.34	article.34	NOUN
cblr-1712	182	26	shepherd	shepherd	NOUN
cblr-1712	182	27	’s	’s	PART
cblr-1712	182	28	team	team	NOUN
cblr-1712	182	29	used	use	VERB
cblr-1712	182	30	a	a	DET
cblr-1712	182	31	variety	variety	NOUN
cblr-1712	182	32	of	of	ADP
cblr-1712	182	33	search	search	NOUN
cblr-1712	182	34	criteria	criterion	NOUN
cblr-1712	182	35	to	to	PART
cblr-1712	182	36	identify	identify	VERB
cblr-1712	182	37	2,158	2,158	NUM
cblr-1712	182	38	class	class	NOUN
cblr-1712	182	39	-	-	PUNCT
cblr-1712	182	40	action	action	NOUN
cblr-1712	182	41	settlements	settlement	NOUN
cblr-1712	182	42	over	over	ADP
cblr-1712	182	43	the	the	DET
cblr-1712	182	44	period	period	NOUN
cblr-1712	182	45	2005–2015	2005–2015	NUM
cblr-1712	182	46	in	in	ADP
cblr-1712	182	47	cases	case	NOUN
cblr-1712	182	48	involving	involve	VERB
cblr-1712	182	49	no	no	DET
cblr-1712	182	50	-	-	PUNCT
cblr-1712	182	51	injury	injury	NOUN
cblr-1712	182	52	allegations	allegation	NOUN
cblr-1712	182	53	,	,	PUNCT
cblr-1712	182	54	where	where	SCONJ
cblr-1712	182	55	statutory	statutory	ADJ
cblr-1712	182	56	damages	damage	NOUN
cblr-1712	182	57	provided	provide	VERB
cblr-1712	182	58	the	the	DET
cblr-1712	182	59	sole	sole	ADJ
cblr-1712	182	60	ground	ground	NOUN
cblr-1712	182	61	for	for	ADP
cblr-1712	182	62	relief.35	relief.35	NOUN
cblr-1712	182	63	by	by	ADP
cblr-1712	182	64	looking	look	VERB
cblr-1712	182	65	at	at	ADP
cblr-1712	182	66	all	all	DET
cblr-1712	182	67	consumer	consumer	NOUN
cblr-1712	182	68	class	class	NOUN
cblr-1712	182	69	actions,36	actions,36	VERB
cblr-1712	182	70	the	the	DET
cblr-1712	182	71	present	present	ADJ
cblr-1712	182	72	study	study	NOUN
cblr-1712	182	73	shows	show	VERB
cblr-1712	182	74	that	that	SCONJ
cblr-1712	182	75	such	such	ADJ
cblr-1712	182	76	no	no	DET
cblr-1712	182	77	-	-	PUNCT
cblr-1712	182	78	injury	injury	NOUN
cblr-1712	182	79	class	class	NOUN
cblr-1712	182	80	-	-	PUNCT
cblr-1712	182	81	action	action	NOUN
cblr-1712	182	82	settlements	settlement	NOUN
cblr-1712	182	83	make	make	VERB
cblr-1712	182	84	up	up	ADP
cblr-1712	182	85	a	a	DET
cblr-1712	182	86	very	very	ADV
cblr-1712	182	87	large	large	ADJ
cblr-1712	182	88	fraction	fraction	NOUN
cblr-1712	182	89	of	of	ADP
cblr-1712	182	90	all	all	DET
cblr-1712	182	91	consumer	consumer	NOUN
cblr-1712	182	92	class	class	NOUN
cblr-1712	182	93	-	-	PUNCT
cblr-1712	182	94	action	action	NOUN
cblr-1712	182	95	settlements	settlement	NOUN
cblr-1712	182	96	under	under	ADP
cblr-1712	182	97	the	the	DET
cblr-1712	182	98	federal	federal	ADJ
cblr-1712	182	99	statutes	statute	NOUN
cblr-1712	182	100	.	.	PUNCT
cblr-1712	183	1	this	this	DET
cblr-1712	183	2	study	study	NOUN
cblr-1712	183	3	includes	include	VERB
cblr-1712	183	4	the	the	DET
cblr-1712	183	5	same	same	ADJ
cblr-1712	183	6	types	type	NOUN
cblr-1712	183	7	of	of	ADP
cblr-1712	183	8	settlements	settlement	NOUN
cblr-1712	183	9	as	as	SCONJ
cblr-1712	183	10	shepherd	shepherd	NOUN
cblr-1712	183	11	discussed	discuss	VERB
cblr-1712	183	12	,	,	PUNCT
cblr-1712	183	13	in	in	ADP
cblr-1712	183	14	addition	addition	NOUN
cblr-1712	183	15	to	to	ADP
cblr-1712	183	16	others	other	NOUN
cblr-1712	183	17	.	.	PUNCT
cblr-1712	184	1	moreover	moreover	ADV
cblr-1712	184	2	,	,	PUNCT
cblr-1712	184	3	this	this	DET
cblr-1712	184	4	article	article	NOUN
cblr-1712	184	5	discusses	discuss	VERB
cblr-1712	184	6	how	how	SCONJ
cblr-1712	184	7	class	class	NOUN
cblr-1712	184	8	-	-	PUNCT
cblr-1712	184	9	action	action	NOUN
cblr-1712	184	10	outcomes	outcome	NOUN
cblr-1712	184	11	and	and	CCONJ
cblr-1712	184	12	settlements	settlement	NOUN
cblr-1712	184	13	vary	vary	VERB
cblr-1712	184	14	across	across	ADP
cblr-1712	184	15	statutes	statute	NOUN
cblr-1712	184	16	and	and	CCONJ
cblr-1712	184	17	across	across	ADP
cblr-1712	184	18	case	case	NOUN
cblr-1712	184	19	types	type	NOUN
cblr-1712	184	20	under	under	ADP
cblr-1712	184	21	the	the	DET
cblr-1712	184	22	same	same	ADJ
cblr-1712	184	23	statute	statute	NOUN
cblr-1712	184	24	.	.	PUNCT
cblr-1712	185	1	the	the	DET
cblr-1712	185	2	following	follow	VERB
cblr-1712	185	3	analysis	analysis	NOUN
cblr-1712	185	4	focuses	focus	VERB
cblr-1712	185	5	on	on	ADP
cblr-1712	185	6	three	three	NUM
cblr-1712	185	7	aspects	aspect	NOUN
cblr-1712	185	8	of	of	ADP
cblr-1712	185	9	such	such	ADJ
cblr-1712	185	10	settlements	settlement	NOUN
cblr-1712	185	11	:	:	PUNCT
cblr-1712	185	12	(	(	PUNCT
cblr-1712	185	13	1	1	X
cblr-1712	185	14	)	)	PUNCT
cblr-1712	185	15	the	the	DET
cblr-1712	185	16	actual	actual	ADJ
cblr-1712	185	17	aggregate	aggregate	ADJ
cblr-1712	185	18	payout	payout	NOUN
cblr-1712	185	19	to	to	ADP
cblr-1712	185	20	the	the	DET
cblr-1712	185	21	class	class	NOUN
cblr-1712	185	22	;	;	PUNCT
cblr-1712	185	23	(	(	PUNCT
cblr-1712	185	24	2	2	X
cblr-1712	185	25	)	)	PUNCT
cblr-1712	185	26	how	how	SCONJ
cblr-1712	185	27	it	it	PRON
cblr-1712	185	28	compares	compare	VERB
cblr-1712	185	29	to	to	ADP
cblr-1712	185	30	the	the	DET
cblr-1712	185	31	nominal	nominal	ADJ
cblr-1712	185	32	settlement	settlement	NOUN
cblr-1712	185	33	amount	amount	NOUN
cblr-1712	185	34	and	and	CCONJ
cblr-1712	185	35	to	to	ADP
cblr-1712	185	36	attorneys	attorney	NOUN
cblr-1712	185	37	’	'	PUNCT
cblr-1712	185	38	fees	fee	NOUN
cblr-1712	185	39	;	;	PUNCT
cblr-1712	185	40	and	and	CCONJ
cblr-1712	185	41	(	(	PUNCT
cblr-1712	185	42	3	3	X
cblr-1712	185	43	)	)	PUNCT
cblr-1712	185	44	the	the	DET
cblr-1712	185	45	actual	actual	ADJ
cblr-1712	185	46	fraction	fraction	NOUN
cblr-1712	185	47	of	of	ADP
cblr-1712	185	48	the	the	DET
cblr-1712	185	49	class	class	NOUN
cblr-1712	185	50	that	that	PRON
cblr-1712	185	51	receives	receive	VERB
cblr-1712	185	52	compensation	compensation	NOUN
cblr-1712	185	53	(	(	PUNCT
cblr-1712	185	54	the	the	DET
cblr-1712	185	55	compensation	compensation	NOUN
cblr-1712	185	56	rate	rate	NOUN
cblr-1712	185	57	)	)	PUNCT
cblr-1712	185	58	.	.	PUNCT
cblr-1712	186	1	shepherd	shepherd	NOUN
cblr-1712	186	2	does	do	AUX
cblr-1712	186	3	not	not	PART
cblr-1712	186	4	break	break	VERB
cblr-1712	186	5	out	out	ADP
cblr-1712	186	6	these	these	DET
cblr-1712	186	7	variables	variable	NOUN
cblr-1712	186	8	by	by	ADP
cblr-1712	186	9	case	case	NOUN
cblr-1712	186	10	type	type	NOUN
cblr-1712	186	11	but	but	CCONJ
cblr-1712	186	12	reports	report	NOUN
cblr-1712	186	13	only	only	ADV
cblr-1712	186	14	“	"	PUNCT
cblr-1712	186	15	percentage	percentage	NOUN
cblr-1712	186	16	to	to	ADP
cblr-1712	186	17	class	class	NOUN
cblr-1712	186	18	members	member	NOUN
cblr-1712	186	19	”	"	PUNCT
cblr-1712	186	20	and	and	CCONJ
cblr-1712	186	21	other	other	ADJ
cblr-1712	186	22	payouts	payout	NOUN
cblr-1712	186	23	across	across	ADP
cblr-1712	186	24	the	the	DET
cblr-1712	186	25	four	four	NUM
cblr-1712	186	26	,	,	PUNCT
cblr-1712	186	27	primary	primary	ADJ
cblr-1712	186	28	no	no	DET
cblr-1712	186	29	34	34	NUM
cblr-1712	186	30	joanna	joanna	NOUN
cblr-1712	186	31	shepherd	shepherd	NOUN
cblr-1712	186	32	,	,	PUNCT
cblr-1712	186	33	an	an	DET
cblr-1712	186	34	empirical	empirical	ADJ
cblr-1712	186	35	survey	survey	NOUN
cblr-1712	186	36	of	of	ADP
cblr-1712	186	37	no	no	DET
cblr-1712	186	38	-	-	PUNCT
cblr-1712	186	39	injury	injury	NOUN
cblr-1712	186	40	class	class	NOUN
cblr-1712	186	41	actions	action	NOUN
cblr-1712	186	42	(	(	PUNCT
cblr-1712	186	43	emory	emory	PROPN
cblr-1712	186	44	university	university	PROPN
cblr-1712	186	45	legal	legal	ADJ
cblr-1712	186	46	studies	study	NOUN
cblr-1712	186	47	research	research	NOUN
cblr-1712	186	48	paper	paper	NOUN
cblr-1712	186	49	no	no	INTJ
cblr-1712	186	50	.	.	PROPN
cblr-1712	187	1	16	16	NUM
cblr-1712	187	2	-	-	SYM
cblr-1712	187	3	402	402	NUM
cblr-1712	187	4	,	,	PUNCT
cblr-1712	187	5	2016	2016	NUM
cblr-1712	187	6	)	)	PUNCT
cblr-1712	187	7	,	,	PUNCT
cblr-1712	188	1	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2726905	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2726905	PROPN
cblr-1712	188	2	[	[	X
cblr-1712	188	3	https://perma.cc/7h9e-e3jf	https://perma.cc/7h9e-e3jf	X
cblr-1712	188	4	]	]	PUNCT
cblr-1712	188	5	.	.	PUNCT
cblr-1712	189	1	35	35	NUM
cblr-1712	190	1	i	i	PRON
cblr-1712	190	2	d.	d.	NOUN
cblr-1712	190	3	at	at	ADP
cblr-1712	190	4	9	9	NUM
cblr-1712	190	5	.	.	NUM
cblr-1712	190	6	36	36	NUM
cblr-1712	190	7	there	there	PRON
cblr-1712	190	8	seem	seem	VERB
cblr-1712	190	9	to	to	PART
cblr-1712	190	10	be	be	AUX
cblr-1712	190	11	differences	difference	NOUN
cblr-1712	190	12	in	in	ADP
cblr-1712	190	13	how	how	SCONJ
cblr-1712	190	14	shepherd	shepherd	NOUN
cblr-1712	190	15	’s	’s	PART
cblr-1712	190	16	team	team	NOUN
cblr-1712	190	17	identified	identify	VERB
cblr-1712	190	18	and	and	CCONJ
cblr-1712	190	19	gathered	gather	VERB
cblr-1712	190	20	information	information	NOUN
cblr-1712	190	21	on	on	ADP
cblr-1712	190	22	class	class	NOUN
cblr-1712	190	23	settlements	settlement	NOUN
cblr-1712	190	24	.	.	PUNCT
cblr-1712	191	1	she	she	PRON
cblr-1712	191	2	reports	report	VERB
cblr-1712	191	3	that	that	SCONJ
cblr-1712	191	4	the	the	DET
cblr-1712	191	5	team	team	NOUN
cblr-1712	191	6	got	get	VERB
cblr-1712	191	7	data	datum	NOUN
cblr-1712	191	8	on	on	ADP
cblr-1712	191	9	class	class	NOUN
cblr-1712	191	10	settlements	settlement	NOUN
cblr-1712	191	11	from	from	ADP
cblr-1712	191	12	“	"	PUNCT
cblr-1712	191	13	final	final	ADJ
cblr-1712	191	14	orders	order	NOUN
cblr-1712	191	15	,	,	PUNCT
cblr-1712	191	16	settlement	settlement	NOUN
cblr-1712	191	17	agreements	agreement	NOUN
cblr-1712	191	18	,	,	PUNCT
cblr-1712	191	19	and	and	CCONJ
cblr-1712	191	20	various	various	ADJ
cblr-1712	191	21	other	other	ADJ
cblr-1712	191	22	court	court	NOUN
cblr-1712	191	23	documents	document	NOUN
cblr-1712	191	24	such	such	ADJ
cblr-1712	191	25	as	as	ADP
cblr-1712	191	26	those	those	PRON
cblr-1712	191	27	approving	approve	VERB
cblr-1712	191	28	settlements	settlement	NOUN
cblr-1712	191	29	and	and	CCONJ
cblr-1712	191	30	attorneys	attorney	NOUN
cblr-1712	191	31	’	’	PART
cblr-1712	191	32	fee	fee	NOUN
cblr-1712	191	33	awards	award	NOUN
cblr-1712	191	34	.	.	PUNCT
cblr-1712	191	35	”	"	PUNCT
cblr-1712	192	1	i	i	PRON
cblr-1712	192	2	d.	d.	VERB
cblr-1712	192	3	at	at	ADP
cblr-1712	192	4	1	1	NUM
cblr-1712	192	5	.	.	PUNCT
cblr-1712	193	1	when	when	SCONJ
cblr-1712	193	2	reviewing	review	VERB
cblr-1712	193	3	pacer	pacer	NOUN
cblr-1712	193	4	docket	docket	NOUN
cblr-1712	193	5	sheets	sheet	NOUN
cblr-1712	193	6	during	during	ADP
cblr-1712	193	7	data	data	NOUN
cblr-1712	193	8	collection	collection	NOUN
cblr-1712	193	9	for	for	ADP
cblr-1712	193	10	this	this	DET
cblr-1712	193	11	article	article	NOUN
cblr-1712	193	12	,	,	PUNCT
cblr-1712	193	13	the	the	DET
cblr-1712	193	14	research	research	NOUN
cblr-1712	193	15	team	team	NOUN
cblr-1712	193	16	discovered	discover	VERB
cblr-1712	193	17	that	that	SCONJ
cblr-1712	193	18	information	information	NOUN
cblr-1712	193	19	on	on	ADP
cblr-1712	193	20	key	key	ADJ
cblr-1712	193	21	features	feature	NOUN
cblr-1712	193	22	of	of	ADP
cblr-1712	193	23	class	class	NOUN
cblr-1712	193	24	settlements	settlement	NOUN
cblr-1712	193	25	,	,	PUNCT
cblr-1712	193	26	such	such	ADJ
cblr-1712	193	27	as	as	ADP
cblr-1712	193	28	attorneys	attorney	NOUN
cblr-1712	193	29	’	'	PUNCT
cblr-1712	193	30	fees	fee	NOUN
cblr-1712	193	31	and	and	CCONJ
cblr-1712	193	32	the	the	DET
cblr-1712	193	33	actual	actual	ADJ
cblr-1712	193	34	compensation	compensation	NOUN
cblr-1712	193	35	rate	rate	NOUN
cblr-1712	193	36	for	for	ADP
cblr-1712	193	37	the	the	DET
cblr-1712	193	38	class	class	NOUN
cblr-1712	193	39	,	,	PUNCT
cblr-1712	193	40	is	be	AUX
cblr-1712	193	41	generally	generally	ADV
cblr-1712	193	42	not	not	PART
cblr-1712	193	43	included	include	VERB
cblr-1712	193	44	in	in	ADP
cblr-1712	193	45	final	final	ADJ
cblr-1712	193	46	orders	order	NOUN
cblr-1712	193	47	or	or	CCONJ
cblr-1712	193	48	opinions	opinion	NOUN
cblr-1712	193	49	(	(	PUNCT
cblr-1712	193	50	indeed	indeed	ADV
cblr-1712	193	51	there	there	PRON
cblr-1712	193	52	are	be	VERB
cblr-1712	193	53	few	few	ADJ
cblr-1712	193	54	opinions	opinion	NOUN
cblr-1712	193	55	approving	approve	VERB
cblr-1712	193	56	class	class	NOUN
cblr-1712	193	57	settlements	settlement	NOUN
cblr-1712	193	58	,	,	PUNCT
cblr-1712	193	59	just	just	ADV
cblr-1712	193	60	uninformative	uninformative	ADJ
cblr-1712	193	61	orders	order	NOUN
cblr-1712	193	62	)	)	PUNCT
cblr-1712	193	63	.	.	PUNCT
cblr-1712	194	1	such	such	ADJ
cblr-1712	194	2	information	information	NOUN
cblr-1712	194	3	is	be	AUX
cblr-1712	194	4	available	available	ADJ
cblr-1712	194	5	in	in	ADP
cblr-1712	194	6	the	the	DET
cblr-1712	194	7	memoranda	memoranda	NOUN
cblr-1712	194	8	and	and	CCONJ
cblr-1712	194	9	supporting	support	VERB
cblr-1712	194	10	exhibits	exhibit	NOUN
cblr-1712	194	11	that	that	DET
cblr-1712	194	12	class	class	NOUN
cblr-1712	194	13	counsel	counsel	NOUN
cblr-1712	194	14	submit	submit	VERB
cblr-1712	194	15	when	when	SCONJ
cblr-1712	194	16	they	they	PRON
cblr-1712	194	17	move	move	VERB
cblr-1712	194	18	to	to	PART
cblr-1712	194	19	have	have	VERB
cblr-1712	194	20	the	the	DET
cblr-1712	194	21	class	class	NOUN
cblr-1712	194	22	settlement	settlement	NOUN
cblr-1712	194	23	and	and	CCONJ
cblr-1712	194	24	attorney	attorney	NOUN
cblr-1712	194	25	fee	fee	NOUN
cblr-1712	194	26	request	request	NOUN
cblr-1712	194	27	approved	approve	VERB
cblr-1712	194	28	.	.	PUNCT
cblr-1712	195	1	it	it	PRON
cblr-1712	195	2	is	be	AUX
cblr-1712	195	3	not	not	PART
cblr-1712	195	4	clear	clear	ADJ
cblr-1712	195	5	whether	whether	SCONJ
cblr-1712	195	6	shepherd	shepherd	NOUN
cblr-1712	195	7	’s	’s	PART
cblr-1712	195	8	team	team	NOUN
cblr-1712	195	9	accessed	access	VERB
cblr-1712	195	10	such	such	ADJ
cblr-1712	195	11	memoranda	memorandum	NOUN
cblr-1712	195	12	and	and	CCONJ
cblr-1712	195	13	exhibits	exhibit	NOUN
cblr-1712	195	14	.	.	PUNCT
cblr-1712	196	1	johnston	johnston	PROPN
cblr-1712	196	2	–	–	PUNCT
cblr-1712	196	3	final	final	ADJ
cblr-1712	196	4	no	no	NOUN
cblr-1712	196	5	.	.	NOUN
cblr-1712	196	6	1:1	1:1	NUM
cblr-1712	196	7	]	]	X
cblr-1712	196	8	high	high	ADJ
cblr-1712	196	9	cost	cost	NOUN
cblr-1712	196	10	,	,	PUNCT
cblr-1712	196	11	little	little	ADJ
cblr-1712	196	12	compensation	compensation	NOUN
cblr-1712	196	13	17	17	NUM
cblr-1712	196	14	injury	injury	NOUN
cblr-1712	196	15	federal	federal	ADJ
cblr-1712	196	16	statutes	statute	NOUN
cblr-1712	196	17	(	(	PUNCT
cblr-1712	196	18	fdcpa	fdcpa	NOUN
cblr-1712	196	19	,	,	PUNCT
cblr-1712	196	20	tcpa	tcpa	NOUN
cblr-1712	196	21	,	,	PUNCT
cblr-1712	196	22	fcra	fcra	NOUN
cblr-1712	196	23	,	,	PUNCT
cblr-1712	196	24	and	and	CCONJ
cblr-1712	196	25	efta).37	efta).37	PROPN
cblr-1712	196	26	for	for	ADP
cblr-1712	196	27	this	this	DET
cblr-1712	196	28	reason	reason	NOUN
cblr-1712	196	29	,	,	PUNCT
cblr-1712	196	30	one	one	PRON
cblr-1712	196	31	can	can	AUX
cblr-1712	196	32	not	not	PART
cblr-1712	196	33	compare	compare	VERB
cblr-1712	196	34	outcomes	outcome	NOUN
cblr-1712	196	35	discussed	discuss	VERB
cblr-1712	196	36	in	in	ADP
cblr-1712	196	37	this	this	DET
cblr-1712	196	38	article	article	NOUN
cblr-1712	196	39	with	with	ADP
cblr-1712	196	40	those	those	PRON
cblr-1712	196	41	that	that	PRON
cblr-1712	196	42	shepherd	shepherd	ADJ
cblr-1712	196	43	reports	report	VERB
cblr-1712	196	44	.	.	PUNCT
cblr-1712	197	1	authors	author	NOUN
cblr-1712	197	2	of	of	ADP
cblr-1712	197	3	earlier	early	ADJ
cblr-1712	197	4	empirical	empirical	ADJ
cblr-1712	197	5	work	work	NOUN
cblr-1712	197	6	on	on	ADP
cblr-1712	197	7	consumer	consumer	NOUN
cblr-1712	197	8	classaction	classaction	NOUN
cblr-1712	197	9	settlements	settlement	NOUN
cblr-1712	197	10	focused	focus	VERB
cblr-1712	197	11	on	on	ADP
cblr-1712	197	12	much	much	ADV
cblr-1712	197	13	smaller	small	ADJ
cblr-1712	197	14	and	and	CCONJ
cblr-1712	197	15	more	more	ADV
cblr-1712	197	16	selective	selective	ADJ
cblr-1712	197	17	samples	sample	NOUN
cblr-1712	197	18	than	than	ADP
cblr-1712	197	19	those	those	PRON
cblr-1712	197	20	discussed	discuss	VERB
cblr-1712	197	21	here	here	ADV
cblr-1712	197	22	.	.	PUNCT
cblr-1712	198	1	fitzpatrick	fitzpatrick	PROPN
cblr-1712	198	2	included	include	VERB
cblr-1712	198	3	consumer	consumer	NOUN
cblr-1712	198	4	class	class	NOUN
cblr-1712	198	5	-	-	PUNCT
cblr-1712	198	6	action	action	NOUN
cblr-1712	198	7	settlements	settlement	NOUN
cblr-1712	198	8	in	in	ADP
cblr-1712	198	9	a	a	DET
cblr-1712	198	10	more	more	ADV
cblr-1712	198	11	general	general	ADJ
cblr-1712	198	12	study	study	NOUN
cblr-1712	198	13	of	of	ADP
cblr-1712	198	14	federal	federal	ADJ
cblr-1712	198	15	class	class	NOUN
cblr-1712	198	16	-	-	PUNCT
cblr-1712	198	17	action	action	NOUN
cblr-1712	198	18	settlements	settlement	NOUN
cblr-1712	198	19	over	over	ADP
cblr-1712	198	20	the	the	DET
cblr-1712	198	21	years	year	NOUN
cblr-1712	198	22	2006–2007.38	2006–2007.38	NUM
cblr-1712	198	23	however	however	ADV
cblr-1712	198	24	,	,	PUNCT
cblr-1712	198	25	he	he	PRON
cblr-1712	198	26	identified	identify	VERB
cblr-1712	198	27	cases	case	NOUN
cblr-1712	198	28	with	with	ADP
cblr-1712	198	29	classaction	classaction	NOUN
cblr-1712	198	30	settlements	settlement	NOUN
cblr-1712	198	31	from	from	ADP
cblr-1712	198	32	highly	highly	ADV
cblr-1712	198	33	selective	selective	ADJ
cblr-1712	198	34	lists	list	NOUN
cblr-1712	198	35	,	,	PUNCT
cblr-1712	198	36	such	such	ADJ
cblr-1712	198	37	as	as	ADP
cblr-1712	198	38	published	publish	VERB
cblr-1712	198	39	class	class	NOUN
cblr-1712	198	40	-	-	PUNCT
cblr-1712	198	41	action	action	NOUN
cblr-1712	198	42	reporters	reporter	NOUN
cblr-1712	198	43	and	and	CCONJ
cblr-1712	198	44	district	district	NOUN
cblr-1712	198	45	court	court	NOUN
cblr-1712	198	46	opinions	opinion	NOUN
cblr-1712	198	47	,	,	PUNCT
cblr-1712	198	48	only	only	ADV
cblr-1712	198	49	turning	turn	VERB
cblr-1712	198	50	to	to	ADP
cblr-1712	198	51	electronic	electronic	ADJ
cblr-1712	198	52	docket	docket	NOUN
cblr-1712	198	53	sheet	sheet	NOUN
cblr-1712	198	54	data	datum	NOUN
cblr-1712	198	55	for	for	ADP
cblr-1712	198	56	class	class	NOUN
cblr-1712	198	57	settlement	settlement	NOUN
cblr-1712	198	58	details	detail	NOUN
cblr-1712	198	59	afterwards.39	afterwards.39	PROPN
cblr-1712	198	60	fitzpatrick	fitzpatrick	PROPN
cblr-1712	198	61	focused	focus	VERB
cblr-1712	198	62	on	on	ADP
cblr-1712	198	63	the	the	DET
cblr-1712	198	64	determinants	determinant	NOUN
cblr-1712	198	65	of	of	ADP
cblr-1712	198	66	attorneys	attorney	NOUN
cblr-1712	198	67	’	'	PUNCT
cblr-1712	198	68	fees	fee	NOUN
cblr-1712	198	69	in	in	ADP
cblr-1712	198	70	class	class	NOUN
cblr-1712	198	71	-	-	PUNCT
cblr-1712	198	72	action	action	NOUN
cblr-1712	198	73	settlements	settlement	NOUN
cblr-1712	198	74	and	and	CCONJ
cblr-1712	198	75	the	the	DET
cblr-1712	198	76	size	size	NOUN
cblr-1712	198	77	of	of	ADP
cblr-1712	198	78	such	such	ADJ
cblr-1712	198	79	fees	fee	NOUN
cblr-1712	198	80	relative	relative	ADJ
cblr-1712	198	81	to	to	ADP
cblr-1712	198	82	the	the	DET
cblr-1712	198	83	class	class	NOUN
cblr-1712	198	84	settlement.40	settlement.40	NOUN
cblr-1712	198	85	because	because	SCONJ
cblr-1712	198	86	fitzpatrick	fitzpatrick	PROPN
cblr-1712	198	87	found	find	VERB
cblr-1712	198	88	little	little	ADJ
cblr-1712	198	89	variation	variation	NOUN
cblr-1712	198	90	in	in	ADP
cblr-1712	198	91	fees	fee	NOUN
cblr-1712	198	92	relative	relative	ADJ
cblr-1712	198	93	to	to	ADP
cblr-1712	198	94	settlements	settlement	NOUN
cblr-1712	198	95	—	—	PUNCT
cblr-1712	198	96	with	with	SCONJ
cblr-1712	198	97	a	a	DET
cblr-1712	198	98	ratio	ratio	NOUN
cblr-1712	198	99	clustering	cluster	VERB
cblr-1712	198	100	around	around	ADP
cblr-1712	198	101	25	25	NUM
cblr-1712	198	102	%	%	NOUN
cblr-1712	198	103	to	to	ADP
cblr-1712	198	104	30%—he	30%—he	NUM
cblr-1712	198	105	did	do	AUX
cblr-1712	198	106	not	not	PART
cblr-1712	198	107	obtain	obtain	VERB
cblr-1712	198	108	and	and	CCONJ
cblr-1712	198	109	analyze	analyze	VERB
cblr-1712	198	110	data	datum	NOUN
cblr-1712	198	111	on	on	ADP
cblr-1712	198	112	the	the	DET
cblr-1712	198	113	aggregate	aggregate	ADJ
cblr-1712	198	114	payout	payout	NOUN
cblr-1712	198	115	to	to	ADP
cblr-1712	198	116	the	the	DET
cblr-1712	198	117	class.41	class.41	NOUN
cblr-1712	198	118	that	that	PRON
cblr-1712	198	119	is	be	AUX
cblr-1712	198	120	,	,	PUNCT
cblr-1712	198	121	his	his	PRON
cblr-1712	198	122	work	work	NOUN
cblr-1712	198	123	focused	focus	VERB
cblr-1712	198	124	only	only	ADV
cblr-1712	198	125	on	on	ADP
cblr-1712	198	126	the	the	DET
cblr-1712	198	127	nominal	nominal	ADJ
cblr-1712	198	128	settlement	settlement	NOUN
cblr-1712	198	129	amount	amount	NOUN
cblr-1712	198	130	,	,	PUNCT
cblr-1712	198	131	which	which	PRON
cblr-1712	198	132	is	be	AUX
cblr-1712	198	133	the	the	DET
cblr-1712	198	134	amount	amount	NOUN
cblr-1712	198	135	stated	state	VERB
cblr-1712	198	136	in	in	ADP
cblr-1712	198	137	the	the	DET
cblr-1712	198	138	settlement	settlement	NOUN
cblr-1712	198	139	agreement	agreement	NOUN
cblr-1712	198	140	and	and	CCONJ
cblr-1712	198	141	court	court	NOUN
cblr-1712	198	142	order	order	NOUN
cblr-1712	198	143	and	and	CCONJ
cblr-1712	198	144	which	which	PRON
cblr-1712	198	145	is	be	AUX
cblr-1712	198	146	almost	almost	ADV
cblr-1712	198	147	always	always	ADV
cblr-1712	198	148	much	much	ADV
cblr-1712	198	149	greater	great	ADJ
cblr-1712	198	150	than	than	ADP
cblr-1712	198	151	the	the	DET
cblr-1712	198	152	actual	actual	ADJ
cblr-1712	198	153	payout	payout	NOUN
cblr-1712	198	154	to	to	ADP
cblr-1712	198	155	the	the	DET
cblr-1712	198	156	class	class	NOUN
cblr-1712	198	157	.	.	PUNCT
cblr-1712	199	1	the	the	DET
cblr-1712	199	2	law	law	NOUN
cblr-1712	199	3	firm	firm	NOUN
cblr-1712	199	4	of	of	ADP
cblr-1712	199	5	mayer	mayer	PROPN
cblr-1712	199	6	brown	brown	PROPN
cblr-1712	199	7	llp	llp	PROPN
cblr-1712	199	8	published	publish	VERB
cblr-1712	199	9	a	a	DET
cblr-1712	199	10	more	more	ADV
cblr-1712	199	11	thorough	thorough	ADJ
cblr-1712	199	12	attempt	attempt	NOUN
cblr-1712	199	13	to	to	PART
cblr-1712	199	14	identify	identify	VERB
cblr-1712	199	15	the	the	DET
cblr-1712	199	16	actual	actual	ADJ
cblr-1712	199	17	aggregate	aggregate	ADJ
cblr-1712	199	18	payout	payout	NOUN
cblr-1712	199	19	to	to	ADP
cblr-1712	199	20	the	the	DET
cblr-1712	199	21	class.42	class.42	NOUN
cblr-1712	199	22	however	however	ADV
cblr-1712	199	23	,	,	PUNCT
cblr-1712	199	24	that	that	DET
cblr-1712	199	25	study	study	NOUN
cblr-1712	199	26	looked	look	VERB
cblr-1712	199	27	at	at	ADP
cblr-1712	199	28	a	a	DET
cblr-1712	199	29	very	very	ADV
cblr-1712	199	30	selective	selective	ADJ
cblr-1712	199	31	sample	sample	NOUN
cblr-1712	199	32	based	base	VERB
cblr-1712	199	33	on	on	ADP
cblr-1712	199	34	reports	report	NOUN
cblr-1712	199	35	of	of	ADP
cblr-1712	199	36	class	class	NOUN
cblr-1712	199	37	-	-	PUNCT
cblr-1712	199	38	action	action	NOUN
cblr-1712	199	39	settlements	settlement	NOUN
cblr-1712	199	40	and	and	CCONJ
cblr-1712	199	41	therefore	therefore	ADV
cblr-1712	199	42	is	be	AUX
cblr-1712	199	43	not	not	PART
cblr-1712	199	44	comparable	comparable	ADJ
cblr-1712	199	45	to	to	ADP
cblr-1712	199	46	the	the	DET
cblr-1712	199	47	illinois	illinois	PROPN
cblr-1712	199	48	data	data	PROPN
cblr-1712	199	49	.	.	PUNCT
cblr-1712	200	1	as	as	ADP
cblr-1712	200	2	with	with	ADP
cblr-1712	200	3	the	the	DET
cblr-1712	200	4	cfpb	cfpb	NOUN
cblr-1712	200	5	and	and	CCONJ
cblr-1712	200	6	shepherd	shepherd	ADJ
cblr-1712	200	7	studies	study	NOUN
cblr-1712	200	8	,	,	PUNCT
cblr-1712	200	9	this	this	DET
cblr-1712	200	10	article	article	NOUN
cblr-1712	200	11	discusses	discuss	VERB
cblr-1712	200	12	the	the	DET
cblr-1712	200	13	37	37	NUM
cblr-1712	200	14	i	i	PROPN
cblr-1712	200	15	d.	d.	PROPN
cblr-1712	200	16	at	at	ADP
cblr-1712	200	17	16	16	NUM
cblr-1712	200	18	.	.	PUNCT
cblr-1712	201	1	38	38	NUM
cblr-1712	201	2	see	see	VERB
cblr-1712	201	3	fitzpatrick	fitzpatrick	PROPN
cblr-1712	201	4	,	,	PUNCT
cblr-1712	201	5	supra	supra	PROPN
cblr-1712	201	6	note	note	PROPN
cblr-1712	201	7	23	23	NUM
cblr-1712	201	8	,	,	PUNCT
cblr-1712	201	9	at	at	ADP
cblr-1712	201	10	816	816	NUM
cblr-1712	201	11	.	.	PUNCT
cblr-1712	202	1	39	39	NUM
cblr-1712	203	1	i	i	PRON
cblr-1712	203	2	d.	d.	VERB
cblr-1712	203	3	at	at	ADP
cblr-1712	203	4	9–13	9–13	PROPN
cblr-1712	203	5	.	.	PUNCT
cblr-1712	204	1	40	40	NUM
cblr-1712	205	1	i	i	PRON
cblr-1712	205	2	d.	d.	NOUN
cblr-1712	205	3	at	at	ADP
cblr-1712	205	4	14–22	14–22	NUM
cblr-1712	205	5	.	.	PUNCT
cblr-1712	206	1	41	41	NUM
cblr-1712	207	1	i	i	PRON
cblr-1712	207	2	d.	d.	PROPN
cblr-1712	207	3	at	at	ADP
cblr-1712	207	4	20–22	20–22	PROPN
cblr-1712	207	5	.	.	PUNCT
cblr-1712	208	1	42	42	NUM
cblr-1712	208	2	mayer	mayer	PROPN
cblr-1712	208	3	brown	brown	PROPN
cblr-1712	208	4	llp	llp	PROPN
cblr-1712	208	5	,	,	PUNCT
cblr-1712	208	6	do	do	VERB
cblr-1712	208	7	class	class	NOUN
cblr-1712	208	8	actions	action	NOUN
cblr-1712	208	9	benefit	benefit	VERB
cblr-1712	208	10	class	class	NOUN
cblr-1712	208	11	members	member	NOUN
cblr-1712	208	12	?	?	PUNCT
cblr-1712	209	1	(	(	PUNCT
cblr-1712	209	2	2013	2013	NUM
cblr-1712	209	3	)	)	PUNCT
cblr-1712	209	4	,	,	PUNCT
cblr-1712	209	5	https://www.mayerbrown.com/files/uploads/documents/pdfs/2013/	https://www.mayerbrown.com/files/uploads/documents/pdfs/2013/	PROPN
cblr-1712	209	6	december	december	NOUN
cblr-1712	209	7	/	/	SYM
cblr-1712	209	8	doclassactionsbenefitclassmembers.pdf	doclassactionsbenefitclassmembers.pdf	NOUN
cblr-1712	209	9	[	[	X
cblr-1712	209	10	https://perma.cc/jw6j-knkr	https://perma.cc/jw6j-knkr	X
cblr-1712	209	11	]	]	X
cblr-1712	209	12	.	.	PUNCT
cblr-1712	210	1	johnston	johnston	PROPN
cblr-1712	210	2	–	–	PUNCT
cblr-1712	210	3	final	final	ADJ
cblr-1712	210	4	18	18	NUM
cblr-1712	210	5	columbia	columbia	PROPN
cblr-1712	210	6	business	business	NOUN
cblr-1712	210	7	law	law	PROPN
cblr-1712	210	8	review	review	NOUN
cblr-1712	210	9	[	[	X
cblr-1712	210	10	vol	vol	NOUN
cblr-1712	210	11	.	.	NOUN
cblr-1712	210	12	2017	2017	NUM
cblr-1712	210	13	differences	difference	NOUN
cblr-1712	210	14	between	between	ADP
cblr-1712	210	15	the	the	DET
cblr-1712	210	16	findings	finding	NOUN
cblr-1712	210	17	in	in	ADP
cblr-1712	210	18	this	this	DET
cblr-1712	210	19	earlier	early	ADJ
cblr-1712	210	20	work	work	NOUN
cblr-1712	210	21	and	and	CCONJ
cblr-1712	210	22	this	this	DET
cblr-1712	210	23	article	article	NOUN
cblr-1712	210	24	’s	’s	PART
cblr-1712	210	25	findings	finding	NOUN
cblr-1712	210	26	.	.	PUNCT
cblr-1712	211	1	before	before	ADP
cblr-1712	211	2	the	the	DET
cblr-1712	211	3	electronic	electronic	ADJ
cblr-1712	211	4	availability	availability	NOUN
cblr-1712	211	5	of	of	ADP
cblr-1712	211	6	full	full	ADJ
cblr-1712	211	7	federal	federal	ADJ
cblr-1712	211	8	court	court	NOUN
cblr-1712	211	9	docket	docket	NOUN
cblr-1712	211	10	sheets	sheet	NOUN
cblr-1712	211	11	,	,	PUNCT
cblr-1712	211	12	as	as	ADP
cblr-1712	211	13	a	a	DET
cblr-1712	211	14	practical	practical	ADJ
cblr-1712	211	15	matter	matter	NOUN
cblr-1712	211	16	empirical	empirical	ADJ
cblr-1712	211	17	studies	study	NOUN
cblr-1712	211	18	of	of	ADP
cblr-1712	211	19	class	class	NOUN
cblr-1712	211	20	-	-	PUNCT
cblr-1712	211	21	action	action	NOUN
cblr-1712	211	22	outcomes	outcome	NOUN
cblr-1712	211	23	were	be	AUX
cblr-1712	211	24	impossible	impossible	ADJ
cblr-1712	211	25	.	.	PUNCT
cblr-1712	212	1	for	for	ADP
cblr-1712	212	2	example	example	NOUN
cblr-1712	212	3	,	,	PUNCT
cblr-1712	212	4	in	in	ADP
cblr-1712	212	5	a	a	DET
cblr-1712	212	6	2008	2008	NUM
cblr-1712	212	7	study	study	NOUN
cblr-1712	212	8	,	,	PUNCT
cblr-1712	212	9	pace	pace	NOUN
cblr-1712	212	10	and	and	CCONJ
cblr-1712	212	11	rubenstein	rubenstein	PROPN
cblr-1712	212	12	attempted	attempt	VERB
cblr-1712	212	13	to	to	PART
cblr-1712	212	14	determine	determine	VERB
cblr-1712	212	15	the	the	DET
cblr-1712	212	16	value	value	NOUN
cblr-1712	212	17	class	class	NOUN
cblr-1712	212	18	-	-	PUNCT
cblr-1712	212	19	action	action	NOUN
cblr-1712	212	20	settlements	settlement	NOUN
cblr-1712	212	21	actually	actually	ADV
cblr-1712	212	22	have	have	VERB
cblr-1712	212	23	for	for	ADP
cblr-1712	212	24	the	the	DET
cblr-1712	212	25	plaintiffs.43	plaintiffs.43	ADJ
cblr-1712	212	26	pace	pace	NOUN
cblr-1712	212	27	and	and	CCONJ
cblr-1712	212	28	rubenstein	rubenstein	PROPN
cblr-1712	212	29	reviewed	review	VERB
cblr-1712	212	30	the	the	DET
cblr-1712	212	31	official	official	ADJ
cblr-1712	212	32	case	case	NOUN
cblr-1712	212	33	files	file	NOUN
cblr-1712	212	34	in	in	ADP
cblr-1712	212	35	thirty	thirty	NUM
cblr-1712	212	36	-	-	PUNCT
cblr-1712	212	37	one	one	NUM
cblr-1712	212	38	federal	federal	ADJ
cblr-1712	212	39	class	class	NOUN
cblr-1712	212	40	-	-	PUNCT
cblr-1712	212	41	action	action	NOUN
cblr-1712	212	42	settlements	settlement	NOUN
cblr-1712	212	43	and	and	CCONJ
cblr-1712	212	44	interviewed	interview	VERB
cblr-1712	212	45	judges	judge	NOUN
cblr-1712	212	46	,	,	PUNCT
cblr-1712	212	47	lawyers	lawyer	NOUN
cblr-1712	212	48	,	,	PUNCT
cblr-1712	212	49	and	and	CCONJ
cblr-1712	212	50	settlement	settlement	NOUN
cblr-1712	212	51	administrators	administrator	NOUN
cblr-1712	212	52	involved	involve	VERB
cblr-1712	212	53	with	with	ADP
cblr-1712	212	54	fifty	fifty	NUM
cblr-1712	212	55	-	-	PUNCT
cblr-1712	212	56	seven	seven	NUM
cblr-1712	212	57	class	class	NOUN
cblr-1712	212	58	-	-	PUNCT
cblr-1712	212	59	action	action	NOUN
cblr-1712	212	60	resolutions.44	resolutions.44	VERB
cblr-1712	212	61	the	the	DET
cblr-1712	212	62	authors	author	NOUN
cblr-1712	212	63	found	find	VERB
cblr-1712	212	64	their	their	PRON
cblr-1712	212	65	task	task	NOUN
cblr-1712	212	66	difficult	difficult	ADJ
cblr-1712	212	67	,	,	PUNCT
cblr-1712	212	68	as	as	SCONJ
cblr-1712	212	69	just	just	ADV
cblr-1712	212	70	six	six	NUM
cblr-1712	212	71	of	of	ADP
cblr-1712	212	72	the	the	DET
cblr-1712	212	73	thirty	thirty	NUM
cblr-1712	212	74	-	-	PUNCT
cblr-1712	212	75	one	one	NUM
cblr-1712	212	76	cases	case	NOUN
cblr-1712	212	77	files	file	NOUN
cblr-1712	212	78	contained	contain	VERB
cblr-1712	212	79	information	information	NOUN
cblr-1712	212	80	on	on	ADP
cblr-1712	212	81	either	either	CCONJ
cblr-1712	212	82	the	the	DET
cblr-1712	212	83	number	number	NOUN
cblr-1712	212	84	of	of	ADP
cblr-1712	212	85	claims	claim	NOUN
cblr-1712	212	86	paid	pay	VERB
cblr-1712	212	87	or	or	CCONJ
cblr-1712	212	88	the	the	DET
cblr-1712	212	89	total	total	ADJ
cblr-1712	212	90	amount	amount	NOUN
cblr-1712	212	91	of	of	ADP
cblr-1712	212	92	compensation.45	compensation.45	NOUN
cblr-1712	212	93	further	far	ADV
cblr-1712	212	94	,	,	PUNCT
cblr-1712	212	95	only	only	ADV
cblr-1712	212	96	fourteen	fourteen	NUM
cblr-1712	212	97	out	out	ADP
cblr-1712	212	98	of	of	ADP
cblr-1712	212	99	222	222	NUM
cblr-1712	212	100	(	(	PUNCT
cblr-1712	212	101	6	6	NUM
cblr-1712	212	102	%	%	NOUN
cblr-1712	212	103	)	)	PUNCT
cblr-1712	212	104	of	of	ADP
cblr-1712	212	105	the	the	DET
cblr-1712	212	106	lawyers	lawyer	NOUN
cblr-1712	212	107	,	,	PUNCT
cblr-1712	212	108	judges	judge	NOUN
cblr-1712	212	109	,	,	PUNCT
cblr-1712	212	110	and	and	CCONJ
cblr-1712	212	111	claims	claim	VERB
cblr-1712	212	112	administrators	administrator	NOUN
cblr-1712	212	113	whom	whom	PRON
cblr-1712	212	114	the	the	DET
cblr-1712	212	115	authors	author	NOUN
cblr-1712	212	116	contacted	contact	VERB
cblr-1712	212	117	provided	provide	VERB
cblr-1712	212	118	relevant	relevant	ADJ
cblr-1712	212	119	information	information	NOUN
cblr-1712	212	120	,	,	PUNCT
cblr-1712	212	121	covering	cover	VERB
cblr-1712	212	122	only	only	ADV
cblr-1712	212	123	eleven	eleven	NUM
cblr-1712	212	124	out	out	ADP
cblr-1712	212	125	of	of	ADP
cblr-1712	212	126	fifty	fifty	NUM
cblr-1712	212	127	-	-	PUNCT
cblr-1712	212	128	seven	seven	NUM
cblr-1712	212	129	cases.46	cases.46	NOUN
cblr-1712	212	130	pace	pace	NOUN
cblr-1712	212	131	and	and	CCONJ
cblr-1712	212	132	rubenstein	rubenstein	PROPN
cblr-1712	212	133	say	say	VERB
cblr-1712	212	134	they	they	PRON
cblr-1712	212	135	learned	learn	VERB
cblr-1712	212	136	“	"	PUNCT
cblr-1712	212	137	very	very	ADV
cblr-1712	212	138	little	little	ADJ
cblr-1712	212	139	”	"	PUNCT
cblr-1712	212	140	from	from	ADP
cblr-1712	212	141	the	the	DET
cblr-1712	212	142	six	six	NUM
cblr-1712	212	143	case	case	NOUN
cblr-1712	212	144	files	file	NOUN
cblr-1712	212	145	,	,	PUNCT
cblr-1712	212	146	concluding	conclude	VERB
cblr-1712	212	147	that	that	SCONJ
cblr-1712	212	148	only	only	ADV
cblr-1712	212	149	a	a	DET
cblr-1712	212	150	small	small	ADJ
cblr-1712	212	151	fraction	fraction	NOUN
cblr-1712	212	152	of	of	ADP
cblr-1712	212	153	class	class	NOUN
cblr-1712	212	154	members	member	NOUN
cblr-1712	212	155	received	receive	VERB
cblr-1712	212	156	compensation	compensation	NOUN
cblr-1712	212	157	when	when	SCONJ
cblr-1712	212	158	not	not	PART
cblr-1712	212	159	automatic.47	automatic.47	NOUN
cblr-1712	212	160	the	the	DET
cblr-1712	212	161	authors	author	NOUN
cblr-1712	212	162	discovered	discover	VERB
cblr-1712	212	163	that	that	SCONJ
cblr-1712	212	164	in	in	ADP
cblr-1712	212	165	the	the	DET
cblr-1712	212	166	four	four	NUM
cblr-1712	212	167	cases	case	NOUN
cblr-1712	212	168	with	with	ADP
cblr-1712	212	169	automatic	automatic	ADJ
cblr-1712	212	170	distribution	distribution	NOUN
cblr-1712	212	171	(	(	PUNCT
cblr-1712	212	172	mailing	mail	VERB
cblr-1712	212	173	a	a	DET
cblr-1712	212	174	check	check	NOUN
cblr-1712	212	175	to	to	ADP
cblr-1712	212	176	a	a	DET
cblr-1712	212	177	known	know	VERB
cblr-1712	212	178	class	class	NOUN
cblr-1712	212	179	member	member	NOUN
cblr-1712	212	180	)	)	PUNCT
cblr-1712	212	181	,	,	PUNCT
cblr-1712	212	182	a	a	DET
cblr-1712	212	183	high	high	ADJ
cblr-1712	212	184	percentage	percentage	NOUN
cblr-1712	212	185	of	of	ADP
cblr-1712	212	186	victims	victim	NOUN
cblr-1712	212	187	received	receive	VERB
cblr-1712	212	188	compensation	compensation	NOUN
cblr-1712	212	189	(	(	PUNCT
cblr-1712	212	190	ranging	range	VERB
cblr-1712	212	191	from	from	ADP
cblr-1712	212	192	76	76	NUM
cblr-1712	212	193	%	%	NOUN
cblr-1712	212	194	to	to	PART
cblr-1712	212	195	99	99	NUM
cblr-1712	212	196	%	%	NOUN
cblr-1712	212	197	of	of	ADP
cblr-1712	212	198	the	the	DET
cblr-1712	212	199	class).48	class).48	PROPN
cblr-1712	212	200	however	however	ADV
cblr-1712	212	201	,	,	PUNCT
cblr-1712	212	202	where	where	SCONJ
cblr-1712	212	203	plaintiffs	plaintiff	NOUN
cblr-1712	212	204	had	have	VERB
cblr-1712	212	205	to	to	PART
cblr-1712	212	206	complete	complete	VERB
cblr-1712	212	207	a	a	DET
cblr-1712	212	208	form	form	NOUN
cblr-1712	212	209	to	to	PART
cblr-1712	212	210	receive	receive	VERB
cblr-1712	212	211	compensation	compensation	NOUN
cblr-1712	212	212	,	,	PUNCT
cblr-1712	212	213	only	only	ADV
cblr-1712	212	214	4	4	NUM
cblr-1712	212	215	%	%	NOUN
cblr-1712	212	216	of	of	ADP
cblr-1712	212	217	the	the	DET
cblr-1712	212	218	class	class	NOUN
cblr-1712	212	219	in	in	ADP
cblr-1712	212	220	one	one	NUM
cblr-1712	212	221	case	case	NOUN
cblr-1712	212	222	received	receive	VERB
cblr-1712	212	223	a	a	DET
cblr-1712	212	224	small	small	ADJ
cblr-1712	212	225	recovery	recovery	NOUN
cblr-1712	212	226	(	(	PUNCT
cblr-1712	212	227	of	of	ADP
cblr-1712	212	228	$	$	SYM
cblr-1712	212	229	30	30	NUM
cblr-1712	212	230	per	per	ADP
cblr-1712	212	231	victim	victim	NOUN
cblr-1712	212	232	)	)	PUNCT
cblr-1712	212	233	,	,	PUNCT
cblr-1712	212	234	and	and	CCONJ
cblr-1712	212	235	in	in	ADP
cblr-1712	212	236	another	another	DET
cblr-1712	212	237	case	case	NOUN
cblr-1712	212	238	only	only	ADV
cblr-1712	212	239	20	20	NUM
cblr-1712	212	240	%	%	NOUN
cblr-1712	212	241	received	receive	VERB
cblr-1712	212	242	a	a	DET
cblr-1712	212	243	much	much	ADV
cblr-1712	212	244	more	more	ADJ
cblr-1712	212	245	43	43	NUM
cblr-1712	212	246	nicholas	nicholas	PROPN
cblr-1712	212	247	m.	m.	NOUN
cblr-1712	212	248	pace	pace	PROPN
cblr-1712	212	249	&	&	CCONJ
cblr-1712	212	250	william	william	PROPN
cblr-1712	212	251	b.	b.	PROPN
cblr-1712	212	252	rubenstein	rubenstein	PROPN
cblr-1712	212	253	,	,	PUNCT
cblr-1712	212	254	how	how	SCONJ
cblr-1712	212	255	transparent	transparent	ADJ
cblr-1712	212	256	are	be	AUX
cblr-1712	212	257	class	class	NOUN
cblr-1712	212	258	action	action	NOUN
cblr-1712	212	259	outcomes	outcome	NOUN
cblr-1712	212	260	?	?	PUNCT
cblr-1712	213	1	empirical	empirical	ADJ
cblr-1712	213	2	research	research	NOUN
cblr-1712	213	3	on	on	ADP
cblr-1712	213	4	the	the	DET
cblr-1712	213	5	availability	availability	NOUN
cblr-1712	213	6	of	of	ADP
cblr-1712	213	7	class	class	NOUN
cblr-1712	213	8	action	action	NOUN
cblr-1712	213	9	claims	claim	VERB
cblr-1712	213	10	data	data	VERB
cblr-1712	213	11	1–4	1–4	PROPN
cblr-1712	213	12	(	(	PUNCT
cblr-1712	213	13	rand	rand	PROPN
cblr-1712	213	14	institute	institute	NOUN
cblr-1712	213	15	for	for	ADP
cblr-1712	213	16	civil	civil	ADJ
cblr-1712	213	17	justice	justice	NOUN
cblr-1712	213	18	,	,	PUNCT
cblr-1712	213	19	working	work	VERB
cblr-1712	213	20	paper	paper	NOUN
cblr-1712	213	21	no	no	INTJ
cblr-1712	213	22	.	.	PROPN
cblr-1712	213	23	599	599	NUM
cblr-1712	213	24	,	,	PUNCT
cblr-1712	213	25	2008	2008	NUM
cblr-1712	213	26	)	)	PUNCT
cblr-1712	213	27	.	.	PUNCT
cblr-1712	214	1	44	44	NUM
cblr-1712	215	1	i	i	PRON
cblr-1712	215	2	d.	d.	PROPN
cblr-1712	215	3	at	at	ADP
cblr-1712	215	4	3	3	NUM
cblr-1712	215	5	.	.	NUM
cblr-1712	215	6	45	45	NUM
cblr-1712	215	7	i	i	PROPN
cblr-1712	215	8	d.	d.	PROPN
cblr-1712	215	9	at	at	ADP
cblr-1712	215	10	23	23	NUM
cblr-1712	215	11	.	.	PUNCT
cblr-1712	215	12	46	46	NUM
cblr-1712	216	1	i	i	PRON
cblr-1712	216	2	d.	d.	PROPN
cblr-1712	216	3	at	at	ADP
cblr-1712	216	4	31	31	NUM
cblr-1712	216	5	.	.	PUNCT
cblr-1712	217	1	47	47	NUM
cblr-1712	218	1	i	i	PRON
cblr-1712	218	2	d.	d.	PROPN
cblr-1712	218	3	at	at	ADP
cblr-1712	218	4	23	23	NUM
cblr-1712	218	5	.	.	PUNCT
cblr-1712	219	1	48	48	NUM
cblr-1712	220	1	i	i	PROPN
cblr-1712	220	2	d.	d.	PROPN
cblr-1712	220	3	johnston	johnston	PROPN
cblr-1712	220	4	–	–	PUNCT
cblr-1712	220	5	final	final	ADJ
cblr-1712	220	6	no	no	NOUN
cblr-1712	220	7	.	.	NOUN
cblr-1712	220	8	1:1	1:1	NUM
cblr-1712	220	9	]	]	X
cblr-1712	220	10	high	high	ADJ
cblr-1712	220	11	cost	cost	NOUN
cblr-1712	220	12	,	,	PUNCT
cblr-1712	220	13	little	little	ADJ
cblr-1712	220	14	compensation	compensation	NOUN
cblr-1712	220	15	19	19	NUM
cblr-1712	220	16	significant	significant	ADJ
cblr-1712	220	17	amount	amount	NOUN
cblr-1712	220	18	(	(	PUNCT
cblr-1712	220	19	$	$	SYM
cblr-1712	220	20	1000).49	1000).49	NUM
cblr-1712	220	21	pace	pace	NOUN
cblr-1712	220	22	and	and	CCONJ
cblr-1712	220	23	rubenstein	rubenstein	PROPN
cblr-1712	220	24	noted	note	VERB
cblr-1712	220	25	that	that	SCONJ
cblr-1712	220	26	as	as	SCONJ
cblr-1712	220	27	they	they	PRON
cblr-1712	220	28	required	require	VERB
cblr-1712	220	29	class	class	NOUN
cblr-1712	220	30	members	member	NOUN
cblr-1712	220	31	to	to	PART
cblr-1712	220	32	fill	fill	VERB
cblr-1712	220	33	out	out	ADP
cblr-1712	220	34	a	a	DET
cblr-1712	220	35	form	form	NOUN
cblr-1712	220	36	to	to	PART
cblr-1712	220	37	be	be	AUX
cblr-1712	220	38	eligible	eligible	ADJ
cblr-1712	220	39	for	for	ADP
cblr-1712	220	40	compensation	compensation	NOUN
cblr-1712	220	41	,	,	PUNCT
cblr-1712	220	42	the	the	DET
cblr-1712	220	43	majority	majority	NOUN
cblr-1712	220	44	(	(	PUNCT
cblr-1712	220	45	13	13	NUM
cblr-1712	220	46	out	out	ADP
cblr-1712	220	47	of	of	ADP
cblr-1712	220	48	25	25	NUM
cblr-1712	220	49	)	)	PUNCT
cblr-1712	220	50	of	of	ADP
cblr-1712	220	51	the	the	DET
cblr-1712	220	52	cases	case	NOUN
cblr-1712	220	53	without	without	ADP
cblr-1712	220	54	meaningful	meaningful	ADJ
cblr-1712	220	55	information	information	NOUN
cblr-1712	220	56	as	as	ADP
cblr-1712	220	57	to	to	ADP
cblr-1712	220	58	settlement	settlement	NOUN
cblr-1712	220	59	distribution	distribution	NOUN
cblr-1712	220	60	were	be	AUX
cblr-1712	220	61	similar	similar	ADJ
cblr-1712	220	62	to	to	ADP
cblr-1712	220	63	the	the	DET
cblr-1712	220	64	settlement	settlement	NOUN
cblr-1712	220	65	with	with	ADP
cblr-1712	220	66	a	a	DET
cblr-1712	220	67	4	4	NUM
cblr-1712	220	68	%	%	NOUN
cblr-1712	220	69	compensation	compensation	NOUN
cblr-1712	220	70	rate.50	rate.50	PROPN
cblr-1712	220	71	as	as	ADP
cblr-1712	220	72	for	for	ADP
cblr-1712	220	73	the	the	DET
cblr-1712	220	74	nine	nine	NUM
cblr-1712	220	75	class	class	NOUN
cblr-1712	220	76	actions	action	NOUN
cblr-1712	220	77	about	about	ADP
cblr-1712	220	78	which	which	DET
cblr-1712	220	79	pace	pace	NOUN
cblr-1712	220	80	and	and	CCONJ
cblr-1712	220	81	rubenstein	rubenstein	PROPN
cblr-1712	220	82	received	receive	VERB
cblr-1712	220	83	claims	claim	NOUN
cblr-1712	220	84	distribution	distribution	NOUN
cblr-1712	220	85	information	information	NOUN
cblr-1712	220	86	from	from	ADP
cblr-1712	220	87	attorneys	attorney	NOUN
cblr-1712	220	88	,	,	PUNCT
cblr-1712	220	89	judges	judge	NOUN
cblr-1712	220	90	,	,	PUNCT
cblr-1712	220	91	and	and	CCONJ
cblr-1712	220	92	claims	claim	NOUN
cblr-1712	220	93	administrators	administrator	NOUN
cblr-1712	220	94	,	,	PUNCT
cblr-1712	220	95	three	three	NUM
cblr-1712	220	96	cases	case	NOUN
cblr-1712	220	97	had	have	VERB
cblr-1712	220	98	distribution	distribution	NOUN
cblr-1712	220	99	rates	rate	NOUN
cblr-1712	220	100	below	below	ADP
cblr-1712	220	101	5	5	NUM
cblr-1712	220	102	%	%	NOUN
cblr-1712	220	103	,	,	PUNCT
cblr-1712	220	104	four	four	NUM
cblr-1712	220	105	between	between	ADP
cblr-1712	220	106	20%–40	20%–40	NUM
cblr-1712	220	107	%	%	NOUN
cblr-1712	220	108	,	,	PUNCT
cblr-1712	220	109	and	and	CCONJ
cblr-1712	220	110	two	two	NUM
cblr-1712	220	111	with	with	ADP
cblr-1712	220	112	rates	rate	NOUN
cblr-1712	220	113	above	above	ADP
cblr-1712	220	114	50	50	NUM
cblr-1712	220	115	%	%	NOUN
cblr-1712	220	116	(	(	PUNCT
cblr-1712	220	117	with	with	ADP
cblr-1712	220	118	a	a	DET
cblr-1712	220	119	maximum	maximum	NOUN
cblr-1712	220	120	of	of	ADP
cblr-1712	220	121	82%).51	82%).51	NOUN
cblr-1712	220	122	distribution	distribution	NOUN
cblr-1712	220	123	rates	rate	NOUN
cblr-1712	220	124	were	be	AUX
cblr-1712	220	125	the	the	DET
cblr-1712	220	126	lowest	low	ADJ
cblr-1712	220	127	in	in	ADP
cblr-1712	220	128	the	the	DET
cblr-1712	220	129	largest	large	ADJ
cblr-1712	220	130	class	class	NOUN
cblr-1712	220	131	actions	action	NOUN
cblr-1712	220	132	,	,	PUNCT
cblr-1712	220	133	with	with	ADP
cblr-1712	220	134	hundreds	hundred	NOUN
cblr-1712	220	135	of	of	ADP
cblr-1712	220	136	thousands	thousand	NOUN
cblr-1712	220	137	or	or	CCONJ
cblr-1712	220	138	millions	million	NOUN
cblr-1712	220	139	of	of	ADP
cblr-1712	220	140	class	class	NOUN
cblr-1712	220	141	members	member	NOUN
cblr-1712	220	142	,	,	PUNCT
cblr-1712	220	143	even	even	ADV
cblr-1712	220	144	when	when	SCONJ
cblr-1712	220	145	recovery	recovery	NOUN
cblr-1712	220	146	amounts	amount	NOUN
cblr-1712	220	147	were	be	AUX
cblr-1712	220	148	as	as	ADV
cblr-1712	220	149	high	high	ADJ
cblr-1712	220	150	as	as	ADP
cblr-1712	220	151	$	$	SYM
cblr-1712	220	152	1,500.52	1,500.52	NUM
cblr-1712	220	153	while	while	SCONJ
cblr-1712	220	154	not	not	PART
cblr-1712	220	155	based	base	VERB
cblr-1712	220	156	on	on	ADP
cblr-1712	220	157	a	a	DET
cblr-1712	220	158	large	large	ADJ
cblr-1712	220	159	,	,	PUNCT
cblr-1712	220	160	representative	representative	ADJ
cblr-1712	220	161	sample	sample	NOUN
cblr-1712	220	162	of	of	ADP
cblr-1712	220	163	class	class	NOUN
cblr-1712	220	164	actions	action	NOUN
cblr-1712	220	165	,	,	PUNCT
cblr-1712	220	166	pace	pace	NOUN
cblr-1712	220	167	and	and	CCONJ
cblr-1712	220	168	rubenstein	rubenstein	PROPN
cblr-1712	220	169	’s	’s	PART
cblr-1712	220	170	conclusion	conclusion	NOUN
cblr-1712	220	171	is	be	AUX
cblr-1712	220	172	consistent	consistent	ADJ
cblr-1712	220	173	with	with	ADP
cblr-1712	220	174	other	other	ADJ
cblr-1712	220	175	findings	finding	NOUN
cblr-1712	220	176	on	on	ADP
cblr-1712	220	177	class	class	NOUN
cblr-1712	220	178	-	-	PUNCT
cblr-1712	220	179	action	action	NOUN
cblr-1712	220	180	compensation	compensation	NOUN
cblr-1712	220	181	rates	rate	NOUN
cblr-1712	220	182	.	.	PUNCT
cblr-1712	221	1	for	for	ADP
cblr-1712	221	2	example	example	NOUN
cblr-1712	221	3	,	,	PUNCT
cblr-1712	221	4	in	in	ADP
cblr-1712	221	5	a	a	DET
cblr-1712	221	6	study	study	NOUN
cblr-1712	221	7	of	of	ADP
cblr-1712	221	8	insurance	insurance	NOUN
cblr-1712	221	9	class	class	NOUN
cblr-1712	221	10	actions	action	NOUN
cblr-1712	221	11	,	,	PUNCT
cblr-1712	221	12	pace	pace	NOUN
cblr-1712	221	13	et	et	PROPN
cblr-1712	221	14	al	al	PROPN
cblr-1712	221	15	.	.	PROPN
cblr-1712	221	16	received	receive	VERB
cblr-1712	221	17	survey	survey	NOUN
cblr-1712	221	18	responses	response	NOUN
cblr-1712	221	19	from	from	ADP
cblr-1712	221	20	fifty	fifty	NUM
cblr-1712	221	21	-	-	PUNCT
cblr-1712	221	22	seven	seven	NUM
cblr-1712	221	23	large	large	ADJ
cblr-1712	221	24	insurance	insurance	NOUN
cblr-1712	221	25	companies	company	NOUN
cblr-1712	221	26	,	,	PUNCT
cblr-1712	221	27	who	who	PRON
cblr-1712	221	28	reported	report	VERB
cblr-1712	221	29	data	datum	NOUN
cblr-1712	221	30	on	on	ADP
cblr-1712	221	31	748	748	NUM
cblr-1712	221	32	distinct	distinct	ADJ
cblr-1712	221	33	class	class	NOUN
cblr-1712	221	34	actions	action	NOUN
cblr-1712	221	35	,	,	PUNCT
cblr-1712	221	36	89	89	NUM
cblr-1712	221	37	%	%	NOUN
cblr-1712	221	38	of	of	ADP
cblr-1712	221	39	which	which	PRON
cblr-1712	221	40	were	be	AUX
cblr-1712	221	41	filed	file	VERB
cblr-1712	221	42	in	in	ADP
cblr-1712	221	43	state	state	NOUN
cblr-1712	221	44	court.53	court.53	NOUN
cblr-1712	221	45	in	in	ADP
cblr-1712	221	46	seven	seven	NUM
cblr-1712	221	47	of	of	ADP
cblr-1712	221	48	twentythree	twentythree	NOUN
cblr-1712	221	49	cases	case	NOUN
cblr-1712	221	50	with	with	ADP
cblr-1712	221	51	complete	complete	ADJ
cblr-1712	221	52	payout	payout	NOUN
cblr-1712	221	53	and	and	CCONJ
cblr-1712	221	54	attorney	attorney	NOUN
cblr-1712	221	55	fee	fee	NOUN
cblr-1712	221	56	information	information	NOUN
cblr-1712	221	57	,	,	PUNCT
cblr-1712	221	58	the	the	DET
cblr-1712	221	59	median	median	ADJ
cblr-1712	221	60	distribution	distribution	NOUN
cblr-1712	221	61	rate	rate	NOUN
cblr-1712	221	62	to	to	ADP
cblr-1712	221	63	actual	actual	ADJ
cblr-1712	221	64	plaintiffs	plaintiff	NOUN
cblr-1712	221	65	was	be	AUX
cblr-1712	221	66	79%.54	79%.54	NUM
cblr-1712	221	67	however	however	ADV
cblr-1712	221	68	,	,	PUNCT
cblr-1712	221	69	in	in	ADP
cblr-1712	221	70	another	another	DET
cblr-1712	221	71	quarter	quarter	NOUN
cblr-1712	221	72	of	of	ADP
cblr-1712	221	73	cases	case	NOUN
cblr-1712	221	74	,	,	PUNCT
cblr-1712	221	75	the	the	DET
cblr-1712	221	76	distribution	distribution	NOUN
cblr-1712	221	77	rate	rate	NOUN
cblr-1712	221	78	was	be	AUX
cblr-1712	221	79	13%.55	13%.55	NUM
cblr-1712	221	80	in	in	ADP
cblr-1712	221	81	3	3	NUM
cblr-1712	221	82	%	%	NOUN
cblr-1712	221	83	of	of	ADP
cblr-1712	221	84	cases	case	NOUN
cblr-1712	221	85	,	,	PUNCT
cblr-1712	221	86	the	the	DET
cblr-1712	221	87	plaintiffs	plaintiff	NOUN
cblr-1712	221	88	received	receive	VERB
cblr-1712	221	89	only	only	ADV
cblr-1712	221	90	4	4	NUM
cblr-1712	221	91	%	%	NOUN
cblr-1712	221	92	of	of	ADP
cblr-1712	221	93	the	the	DET
cblr-1712	221	94	net	net	ADJ
cblr-1712	221	95	compensation	compensation	NOUN
cblr-1712	221	96	fund.56	fund.56	NOUN
cblr-1712	221	97	in	in	ADP
cblr-1712	221	98	ten	ten	NUM
cblr-1712	221	99	cases	case	NOUN
cblr-1712	221	100	where	where	SCONJ
cblr-1712	221	101	sources	source	NOUN
cblr-1712	221	102	reported	report	VERB
cblr-1712	221	103	potential	potential	ADJ
cblr-1712	221	104	class	class	NOUN
cblr-1712	221	105	size	size	NOUN
cblr-1712	221	106	and	and	CCONJ
cblr-1712	221	107	the	the	DET
cblr-1712	221	108	number	number	NOUN
cblr-1712	221	109	of	of	ADP
cblr-1712	221	110	claims	claim	NOUN
cblr-1712	221	111	paid	pay	VERB
cblr-1712	221	112	,	,	PUNCT
cblr-1712	221	113	100	100	NUM
cblr-1712	221	114	%	%	NOUN
cblr-1712	221	115	of	of	ADP
cblr-1712	221	116	the	the	DET
cblr-1712	221	117	class	class	NOUN
cblr-1712	221	118	members	member	NOUN
cblr-1712	221	119	received	receive	VERB
cblr-1712	221	120	some	some	DET
cblr-1712	221	121	49	49	NUM
cblr-1712	221	122	i	i	PRON
cblr-1712	221	123	d.	d.	PROPN
cblr-1712	221	124	at	at	ADP
cblr-1712	221	125	24	24	NUM
cblr-1712	221	126	.	.	PUNCT
cblr-1712	222	1	50	50	NUM
cblr-1712	223	1	i	i	PRON
cblr-1712	223	2	d.	d.	NOUN
cblr-1712	223	3	at	at	ADP
cblr-1712	223	4	25	25	NUM
cblr-1712	223	5	.	.	PUNCT
cblr-1712	224	1	51	51	NUM
cblr-1712	225	1	i	i	PRON
cblr-1712	225	2	d.	d.	PROPN
cblr-1712	225	3	at	at	ADP
cblr-1712	225	4	32	32	NUM
cblr-1712	225	5	.	.	PUNCT
cblr-1712	226	1	52	52	NUM
cblr-1712	226	2	see	see	VERB
cblr-1712	226	3	i	i	PRON
cblr-1712	226	4	d.	d.	PROPN
cblr-1712	226	5	53	53	NUM
cblr-1712	226	6	nicholas	nicholas	PROPN
cblr-1712	226	7	m.	m.	PROPN
cblr-1712	226	8	pace	pace	PROPN
cblr-1712	226	9	et	et	PROPN
cblr-1712	226	10	al	al	PROPN
cblr-1712	226	11	.	.	PROPN
cblr-1712	226	12	,	,	PUNCT
cblr-1712	226	13	insurance	insurance	NOUN
cblr-1712	226	14	class	class	NOUN
cblr-1712	226	15	actions	action	NOUN
cblr-1712	226	16	in	in	ADP
cblr-1712	226	17	the	the	DET
cblr-1712	226	18	united	united	PROPN
cblr-1712	226	19	states	states	PROPN
cblr-1712	226	20	,	,	PUNCT
cblr-1712	226	21	xvii	xvii	PROPN
cblr-1712	226	22	–	–	PUNCT
cblr-1712	226	23	xviii	xviii	PROPN
cblr-1712	226	24	(	(	PUNCT
cblr-1712	226	25	2007	2007	NUM
cblr-1712	226	26	)	)	PUNCT
cblr-1712	226	27	.	.	PUNCT
cblr-1712	227	1	54	54	NUM
cblr-1712	228	1	i	i	PRON
cblr-1712	228	2	d.	d.	VERB
cblr-1712	228	3	at	at	ADP
cblr-1712	228	4	xxiii	xxiii	PROPN
cblr-1712	228	5	.	.	PUNCT
cblr-1712	229	1	55	55	NUM
cblr-1712	230	1	i	i	PRON
cblr-1712	230	2	d.	d.	PROPN
cblr-1712	230	3	56	56	NUM
cblr-1712	230	4	i	i	PROPN
cblr-1712	230	5	d.	d.	PROPN
cblr-1712	230	6	johnston	johnston	PROPN
cblr-1712	230	7	–	–	PUNCT
cblr-1712	230	8	final	final	ADJ
cblr-1712	230	9	20	20	NUM
cblr-1712	230	10	columbia	columbia	PROPN
cblr-1712	230	11	business	business	NOUN
cblr-1712	230	12	law	law	PROPN
cblr-1712	230	13	review	review	NOUN
cblr-1712	230	14	[	[	X
cblr-1712	230	15	vol	vol	NOUN
cblr-1712	230	16	.	.	NOUN
cblr-1712	230	17	2017	2017	NUM
cblr-1712	230	18	compensation	compensation	NOUN
cblr-1712	230	19	;	;	PUNCT
cblr-1712	230	20	however	however	ADV
cblr-1712	230	21	,	,	PUNCT
cblr-1712	230	22	in	in	ADP
cblr-1712	230	23	the	the	DET
cblr-1712	230	24	worst	bad	ADJ
cblr-1712	230	25	case	case	NOUN
cblr-1712	230	26	,	,	PUNCT
cblr-1712	230	27	only	only	ADV
cblr-1712	230	28	an	an	DET
cblr-1712	230	29	estimated	estimate	VERB
cblr-1712	230	30	1	1	NUM
cblr-1712	230	31	%	%	NOUN
cblr-1712	230	32	of	of	ADP
cblr-1712	230	33	class	class	NOUN
cblr-1712	230	34	members	member	NOUN
cblr-1712	230	35	received	receive	VERB
cblr-1712	230	36	compensation.57	compensation.57	ADV
cblr-1712	230	37	in	in	ADP
cblr-1712	230	38	the	the	DET
cblr-1712	230	39	median	median	ADJ
cblr-1712	230	40	case	case	NOUN
cblr-1712	230	41	,	,	PUNCT
cblr-1712	230	42	just	just	ADV
cblr-1712	230	43	15	15	NUM
cblr-1712	230	44	%	%	NOUN
cblr-1712	230	45	of	of	ADP
cblr-1712	230	46	the	the	DET
cblr-1712	230	47	potential	potential	ADJ
cblr-1712	230	48	class	class	NOUN
cblr-1712	230	49	received	receive	VERB
cblr-1712	230	50	any	any	DET
cblr-1712	230	51	compensation.58	compensation.58	NOUN
cblr-1712	230	52	in	in	ADP
cblr-1712	230	53	another	another	DET
cblr-1712	230	54	study	study	NOUN
cblr-1712	230	55	,	,	PUNCT
cblr-1712	230	56	hensler	hensler	NOUN
cblr-1712	230	57	et	et	PROPN
cblr-1712	230	58	al	al	PROPN
cblr-1712	230	59	.	.	PROPN
cblr-1712	230	60	reviewed	review	VERB
cblr-1712	230	61	ten	ten	NUM
cblr-1712	230	62	class	class	NOUN
cblr-1712	230	63	-	-	PUNCT
cblr-1712	230	64	action	action	NOUN
cblr-1712	230	65	settlements	settlement	NOUN
cblr-1712	230	66	in	in	ADP
cblr-1712	230	67	detail	detail	NOUN
cblr-1712	230	68	and	and	CCONJ
cblr-1712	230	69	found	find	VERB
cblr-1712	230	70	that	that	SCONJ
cblr-1712	230	71	compensation	compensation	NOUN
cblr-1712	230	72	rates	rate	NOUN
cblr-1712	230	73	varied	varied	ADJ
cblr-1712	230	74	from	from	ADP
cblr-1712	230	75	100	100	NUM
cblr-1712	230	76	%	%	NOUN
cblr-1712	230	77	to	to	ADP
cblr-1712	230	78	less	less	ADJ
cblr-1712	230	79	than	than	ADP
cblr-1712	230	80	5%.59	5%.59	NUM
cblr-1712	230	81	as	as	SCONJ
cblr-1712	230	82	did	do	VERB
cblr-1712	230	83	pace	pace	NOUN
cblr-1712	230	84	and	and	CCONJ
cblr-1712	230	85	rubenstein	rubenstein	NOUN
cblr-1712	230	86	,	,	PUNCT
cblr-1712	230	87	hensler	hensler	NOUN
cblr-1712	230	88	et	et	PROPN
cblr-1712	230	89	al	al	PROPN
cblr-1712	230	90	.	.	PROPN
cblr-1712	230	91	concluded	conclude	VERB
cblr-1712	230	92	that	that	SCONJ
cblr-1712	230	93	plaintiffs	plaintiff	NOUN
cblr-1712	230	94	tended	tend	VERB
cblr-1712	230	95	to	to	PART
cblr-1712	230	96	receive	receive	VERB
cblr-1712	230	97	higher	high	ADJ
cblr-1712	230	98	distribution	distribution	NOUN
cblr-1712	230	99	rates	rate	NOUN
cblr-1712	230	100	in	in	ADP
cblr-1712	230	101	cases	case	NOUN
cblr-1712	230	102	with	with	ADP
cblr-1712	230	103	automatic	automatic	ADJ
cblr-1712	230	104	payout	payout	NOUN
cblr-1712	230	105	,	,	PUNCT
cblr-1712	230	106	while	while	SCONJ
cblr-1712	230	107	plaintiffs	plaintiff	NOUN
cblr-1712	230	108	tended	tend	VERB
cblr-1712	230	109	to	to	PART
cblr-1712	230	110	receive	receive	VERB
cblr-1712	230	111	lower	low	ADJ
cblr-1712	230	112	distribution	distribution	NOUN
cblr-1712	230	113	rates	rate	NOUN
cblr-1712	230	114	when	when	SCONJ
cblr-1712	230	115	class	class	NOUN
cblr-1712	230	116	members	member	NOUN
cblr-1712	230	117	actually	actually	ADV
cblr-1712	230	118	had	have	VERB
cblr-1712	230	119	to	to	PART
cblr-1712	230	120	fill	fill	VERB
cblr-1712	230	121	out	out	ADP
cblr-1712	230	122	a	a	DET
cblr-1712	230	123	form.60	form.60	NOUN
cblr-1712	230	124	hensler	hensler	NOUN
cblr-1712	230	125	et	et	PROPN
cblr-1712	230	126	al	al	PROPN
cblr-1712	230	127	.	.	PROPN
cblr-1712	230	128	’s	’s	PART
cblr-1712	230	129	conclusion	conclusion	NOUN
cblr-1712	230	130	comports	comport	VERB
cblr-1712	230	131	with	with	ADP
cblr-1712	230	132	pace	pace	NOUN
cblr-1712	230	133	and	and	CCONJ
cblr-1712	230	134	rubenstein	rubenstein	PROPN
cblr-1712	230	135	’s	’s	PART
cblr-1712	230	136	findings	finding	NOUN
cblr-1712	230	137	.	.	PUNCT
cblr-1712	231	1	3	3	X
cblr-1712	231	2	.	.	X
cblr-1712	231	3	class	class	NOUN
cblr-1712	231	4	actions	action	NOUN
cblr-1712	231	5	under	under	ADP
cblr-1712	231	6	federal	federal	ADJ
cblr-1712	231	7	consumer	consumer	NOUN
cblr-1712	231	8	protection	protection	NOUN
cblr-1712	231	9	statutes	statute	NOUN
cblr-1712	231	10	within	within	ADP
cblr-1712	231	11	the	the	DET
cblr-1712	231	12	universe	universe	NOUN
cblr-1712	231	13	of	of	ADP
cblr-1712	231	14	consumer	consumer	NOUN
cblr-1712	231	15	class	class	NOUN
cblr-1712	231	16	-	-	PUNCT
cblr-1712	231	17	action	action	NOUN
cblr-1712	231	18	filings	filing	NOUN
cblr-1712	231	19	this	this	DET
cblr-1712	231	20	article	article	NOUN
cblr-1712	231	21	analyzes	analyze	VERB
cblr-1712	231	22	case	case	NOUN
cblr-1712	231	23	types	type	NOUN
cblr-1712	231	24	comprising	comprise	VERB
cblr-1712	231	25	an	an	DET
cblr-1712	231	26	important	important	ADJ
cblr-1712	231	27	fraction	fraction	NOUN
cblr-1712	231	28	of	of	ADP
cblr-1712	231	29	all	all	DET
cblr-1712	231	30	consumer	consumer	NOUN
cblr-1712	231	31	class	class	NOUN
cblr-1712	231	32	-	-	PUNCT
cblr-1712	231	33	action	action	NOUN
cblr-1712	231	34	filings	filing	NOUN
cblr-1712	231	35	in	in	ADP
cblr-1712	231	36	the	the	DET
cblr-1712	231	37	illinois	illinois	PROPN
cblr-1712	231	38	data	data	PROPN
cblr-1712	231	39	.	.	PUNCT
cblr-1712	232	1	figure	figure	NOUN
cblr-1712	232	2	1	1	NUM
cblr-1712	232	3	below	below	ADV
cblr-1712	232	4	shows	show	VERB
cblr-1712	232	5	the	the	DET
cblr-1712	232	6	frequency	frequency	NOUN
cblr-1712	232	7	distribution	distribution	NOUN
cblr-1712	232	8	for	for	ADP
cblr-1712	232	9	the	the	DET
cblr-1712	232	10	506	506	NUM
cblr-1712	232	11	class	class	NOUN
cblr-1712	232	12	-	-	PUNCT
cblr-1712	232	13	action	action	NOUN
cblr-1712	232	14	filings	filing	NOUN
cblr-1712	232	15	in	in	ADP
cblr-1712	232	16	the	the	DET
cblr-1712	232	17	illinois	illinois	PROPN
cblr-1712	232	18	data	data	PROPN
cblr-1712	232	19	.	.	PUNCT
cblr-1712	233	1	as	as	SCONJ
cblr-1712	233	2	shown	show	VERB
cblr-1712	233	3	,	,	PUNCT
cblr-1712	233	4	plaintiffs	plaintiff	NOUN
cblr-1712	233	5	made	make	VERB
cblr-1712	233	6	131	131	NUM
cblr-1712	233	7	filings	filing	NOUN
cblr-1712	233	8	under	under	ADP
cblr-1712	233	9	the	the	DET
cblr-1712	233	10	fdcpa	fdcpa	NOUN
cblr-1712	233	11	,	,	PUNCT
cblr-1712	233	12	127	127	NUM
cblr-1712	233	13	filings	filing	NOUN
cblr-1712	233	14	under	under	ADP
cblr-1712	233	15	the	the	DET
cblr-1712	233	16	tcpa	tcpa	NOUN
cblr-1712	233	17	,	,	PUNCT
cblr-1712	233	18	fifty	fifty	NUM
cblr-1712	233	19	-	-	PUNCT
cblr-1712	233	20	three	three	NUM
cblr-1712	233	21	filings	filing	NOUN
cblr-1712	233	22	under	under	ADP
cblr-1712	233	23	the	the	DET
cblr-1712	233	24	fcra	fcra	NOUN
cblr-1712	233	25	,	,	PUNCT
cblr-1712	233	26	and	and	CCONJ
cblr-1712	233	27	forty	forty	NUM
cblr-1712	233	28	-	-	PUNCT
cblr-1712	233	29	three	three	NUM
cblr-1712	233	30	under	under	ADP
cblr-1712	233	31	the	the	DET
cblr-1712	233	32	efta	efta	NOUN
cblr-1712	233	33	.	.	PUNCT
cblr-1712	234	1	of	of	ADP
cblr-1712	234	2	the	the	DET
cblr-1712	234	3	twenty	twenty	NUM
cblr-1712	234	4	cases	case	NOUN
cblr-1712	234	5	brought	bring	VERB
cblr-1712	234	6	under	under	ADP
cblr-1712	234	7	privacy	privacy	NOUN
cblr-1712	234	8	protection	protection	NOUN
cblr-1712	234	9	statutes	statute	NOUN
cblr-1712	234	10	other	other	ADJ
cblr-1712	234	11	than	than	ADP
cblr-1712	234	12	fcra	fcra	NOUN
cblr-1712	234	13	,	,	PUNCT
cblr-1712	234	14	twelve	twelve	NUM
cblr-1712	234	15	were	be	AUX
cblr-1712	234	16	brought	bring	VERB
cblr-1712	234	17	under	under	ADP
cblr-1712	234	18	federal	federal	ADJ
cblr-1712	234	19	privacy	privacy	NOUN
cblr-1712	234	20	protection	protection	NOUN
cblr-1712	234	21	statutes	statute	NOUN
cblr-1712	234	22	such	such	ADJ
cblr-1712	234	23	as	as	ADP
cblr-1712	234	24	the	the	DET
cblr-1712	234	25	video	video	NOUN
cblr-1712	234	26	privacy	privacy	NOUN
cblr-1712	234	27	protection	protection	NOUN
cblr-1712	234	28	act.61	act.61	VERB
cblr-1712	234	29	the	the	DET
cblr-1712	234	30	366	366	NUM
cblr-1712	234	31	filings	filing	NOUN
cblr-1712	234	32	under	under	ADP
cblr-1712	234	33	federal	federal	ADJ
cblr-1712	234	34	consumer	consumer	NOUN
cblr-1712	234	35	protection	protection	NOUN
cblr-1712	234	36	statutes	statute	NOUN
cblr-1712	234	37	comprise	comprise	VERB
cblr-1712	234	38	72	72	NUM
cblr-1712	234	39	%	%	NOUN
cblr-1712	234	40	of	of	ADP
cblr-1712	234	41	all	all	DET
cblr-1712	234	42	filings	filing	NOUN
cblr-1712	234	43	in	in	ADP
cblr-1712	234	44	the	the	DET
cblr-1712	234	45	sample	sample	NOUN
cblr-1712	234	46	.	.	PUNCT
cblr-1712	235	1	filings	filing	NOUN
cblr-1712	235	2	under	under	ADP
cblr-1712	235	3	such	such	ADJ
cblr-1712	235	4	federal	federal	ADJ
cblr-1712	235	5	consumer	consumer	NOUN
cblr-1712	235	6	protection	protection	NOUN
cblr-1712	235	7	statutes	statute	NOUN
cblr-1712	235	8	made	make	VERB
cblr-1712	235	9	up	up	ADP
cblr-1712	235	10	57	57	NUM
cblr-1712	235	11	i	i	PRON
cblr-1712	235	12	d.	d.	PROPN
cblr-1712	235	13	58	58	NUM
cblr-1712	236	1	i	i	PRON
cblr-1712	236	2	d.	d.	PROPN
cblr-1712	236	3	59	59	NUM
cblr-1712	236	4	deborah	deborah	PROPN
cblr-1712	236	5	hensler	hensler	NOUN
cblr-1712	236	6	,	,	PUNCT
cblr-1712	236	7	et	et	PROPN
cblr-1712	236	8	al	al	PROPN
cblr-1712	236	9	.	.	PROPN
cblr-1712	236	10	,	,	PUNCT
cblr-1712	236	11	class	class	NOUN
cblr-1712	236	12	action	action	NOUN
cblr-1712	236	13	dilemmas	dilemma	NOUN
cblr-1712	236	14	:	:	PUNCT
cblr-1712	236	15	pursuing	pursue	VERB
cblr-1712	236	16	public	public	ADJ
cblr-1712	236	17	goals	goal	NOUN
cblr-1712	236	18	for	for	ADP
cblr-1712	236	19	private	private	ADJ
cblr-1712	236	20	gains	gain	NOUN
cblr-1712	236	21	549	549	NUM
cblr-1712	236	22	tbl	tbl	NOUN
cblr-1712	236	23	.	.	PUNCT
cblr-1712	237	1	e.1	e.1	X
cblr-1712	237	2	(	(	PUNCT
cblr-1712	237	3	rand	rand	NOUN
cblr-1712	237	4	inst	inst	NOUN
cblr-1712	237	5	.	.	PUNCT
cblr-1712	238	1	for	for	ADP
cblr-1712	238	2	civil	civil	ADJ
cblr-1712	238	3	justice	justice	NOUN
cblr-1712	238	4	)	)	PUNCT
cblr-1712	238	5	(	(	PUNCT
cblr-1712	238	6	2000	2000	NUM
cblr-1712	238	7	)	)	PUNCT
cblr-1712	238	8	(	(	PUNCT
cblr-1712	238	9	compensation	compensation	NOUN
cblr-1712	238	10	rates	rate	NOUN
cblr-1712	238	11	reported	report	VERB
cblr-1712	238	12	in	in	ADP
cblr-1712	238	13	the	the	DET
cblr-1712	238	14	text	text	NOUN
cblr-1712	238	15	here	here	ADV
cblr-1712	238	16	have	have	AUX
cblr-1712	238	17	been	be	AUX
cblr-1712	238	18	calculated	calculate	VERB
cblr-1712	238	19	from	from	ADP
cblr-1712	238	20	the	the	DET
cblr-1712	238	21	data	datum	NOUN
cblr-1712	238	22	presented	present	VERB
cblr-1712	238	23	in	in	ADP
cblr-1712	238	24	table	table	NOUN
cblr-1712	238	25	e.1	e.1	PROPN
cblr-1712	238	26	in	in	ADP
cblr-1712	238	27	hensler	hensler	NOUN
cblr-1712	238	28	et	et	PROPN
cblr-1712	238	29	al	al	PROPN
cblr-1712	238	30	.	.	PROPN
cblr-1712	238	31	)	)	PUNCT
cblr-1712	238	32	.	.	PUNCT
cblr-1712	239	1	60	60	NUM
cblr-1712	240	1	i	i	PRON
cblr-1712	240	2	d.	d.	PROPN
cblr-1712	240	3	at	at	ADP
cblr-1712	240	4	459	459	NUM
cblr-1712	240	5	.	.	PUNCT
cblr-1712	241	1	61	61	NUM
cblr-1712	241	2	see	see	NOUN
cblr-1712	241	3	infra	infra	NOUN
cblr-1712	241	4	figure	figure	NOUN
cblr-1712	241	5	1	1	NUM
cblr-1712	241	6	.	.	PUNCT
cblr-1712	242	1	johnston	johnston	PROPN
cblr-1712	242	2	–	–	PUNCT
cblr-1712	242	3	final	final	ADJ
cblr-1712	242	4	no	no	NOUN
cblr-1712	242	5	.	.	NOUN
cblr-1712	242	6	1:1	1:1	NUM
cblr-1712	242	7	]	]	X
cblr-1712	242	8	high	high	ADJ
cblr-1712	242	9	cost	cost	NOUN
cblr-1712	242	10	,	,	PUNCT
cblr-1712	242	11	little	little	ADJ
cblr-1712	242	12	compensation	compensation	NOUN
cblr-1712	242	13	21	21	NUM
cblr-1712	242	14	71.7	71.7	NUM
cblr-1712	242	15	%	%	NOUN
cblr-1712	242	16	of	of	ADP
cblr-1712	242	17	all	all	DET
cblr-1712	242	18	filings	filing	NOUN
cblr-1712	242	19	in	in	ADP
cblr-1712	242	20	the	the	DET
cblr-1712	242	21	cfpb	cfpb	NOUN
cblr-1712	242	22	’s	’s	PART
cblr-1712	242	23	much	much	ADV
cblr-1712	242	24	larger	large	ADJ
cblr-1712	242	25	2010–2012	2010–2012	NUM
cblr-1712	242	26	dataset	dataset	NOUN
cblr-1712	242	27	discussed	discuss	VERB
cblr-1712	242	28	in	in	ADP
cblr-1712	242	29	its	its	PRON
cblr-1712	242	30	2015	2015	NUM
cblr-1712	242	31	arbitration	arbitration	NOUN
cblr-1712	242	32	study.62	study.62	NOUN
cblr-1712	242	33	this	this	PRON
cblr-1712	242	34	indicates	indicate	VERB
cblr-1712	242	35	that	that	SCONJ
cblr-1712	242	36	in	in	ADP
cblr-1712	242	37	terms	term	NOUN
cblr-1712	242	38	of	of	ADP
cblr-1712	242	39	the	the	DET
cblr-1712	242	40	frequency	frequency	NOUN
cblr-1712	242	41	of	of	ADP
cblr-1712	242	42	federal	federal	ADJ
cblr-1712	242	43	statutory	statutory	ADJ
cblr-1712	242	44	causes	cause	NOUN
cblr-1712	242	45	of	of	ADP
cblr-1712	242	46	action	action	NOUN
cblr-1712	242	47	,	,	PUNCT
cblr-1712	242	48	the	the	DET
cblr-1712	242	49	case	case	NOUN
cblr-1712	242	50	types	type	NOUN
cblr-1712	242	51	found	find	VERB
cblr-1712	242	52	in	in	ADP
cblr-1712	242	53	the	the	DET
cblr-1712	242	54	illinois	illinois	PROPN
cblr-1712	242	55	data	datum	NOUN
cblr-1712	242	56	are	be	AUX
cblr-1712	242	57	likely	likely	ADV
cblr-1712	242	58	typical	typical	ADJ
cblr-1712	242	59	of	of	ADP
cblr-1712	242	60	consumer	consumer	NOUN
cblr-1712	242	61	filings	filing	NOUN
cblr-1712	242	62	in	in	ADP
cblr-1712	242	63	other	other	ADJ
cblr-1712	242	64	federal	federal	ADJ
cblr-1712	242	65	courts	court	NOUN
cblr-1712	242	66	.	.	PUNCT
cblr-1712	243	1	one	one	NUM
cblr-1712	243	2	difference	difference	NOUN
cblr-1712	243	3	between	between	ADP
cblr-1712	243	4	the	the	DET
cblr-1712	243	5	case	case	NOUN
cblr-1712	243	6	types	type	NOUN
cblr-1712	243	7	indicated	indicate	VERB
cblr-1712	243	8	in	in	ADP
cblr-1712	243	9	figure	figure	NOUN
cblr-1712	243	10	1	1	NUM
cblr-1712	243	11	and	and	CCONJ
cblr-1712	243	12	the	the	DET
cblr-1712	243	13	case	case	NOUN
cblr-1712	243	14	types	type	NOUN
cblr-1712	243	15	found	find	VERB
cblr-1712	243	16	in	in	ADP
cblr-1712	243	17	the	the	DET
cblr-1712	243	18	2015	2015	NUM
cblr-1712	243	19	arbitration	arbitration	NOUN
cblr-1712	243	20	study	study	NOUN
cblr-1712	243	21	is	be	AUX
cblr-1712	243	22	the	the	DET
cblr-1712	243	23	absence	absence	NOUN
cblr-1712	243	24	from	from	ADP
cblr-1712	243	25	figure	figure	NOUN
cblr-1712	243	26	1	1	NUM
cblr-1712	243	27	of	of	ADP
cblr-1712	243	28	cases	case	NOUN
cblr-1712	243	29	brought	bring	VERB
cblr-1712	243	30	under	under	ADP
cblr-1712	243	31	the	the	DET
cblr-1712	243	32	federal	federal	ADJ
cblr-1712	243	33	truth	truth	NOUN
cblr-1712	243	34	in	in	ADP
cblr-1712	243	35	lending	lending	NOUN
cblr-1712	243	36	act	act	NOUN
cblr-1712	243	37	(	(	PUNCT
cblr-1712	243	38	“	"	PUNCT
cblr-1712	243	39	tila	tila	NOUN
cblr-1712	243	40	”	"	PUNCT
cblr-1712	243	41	)	)	PUNCT
cblr-1712	243	42	.	.	PUNCT
cblr-1712	244	1	the	the	DET
cblr-1712	244	2	illinois	illinois	PROPN
cblr-1712	244	3	data	data	PROPN
cblr-1712	244	4	contained	contain	VERB
cblr-1712	244	5	eleven	eleven	NUM
cblr-1712	244	6	cases	case	NOUN
cblr-1712	244	7	in	in	ADP
cblr-1712	244	8	which	which	PRON
cblr-1712	244	9	the	the	DET
cblr-1712	244	10	complaint	complaint	NOUN
cblr-1712	244	11	included	include	VERB
cblr-1712	244	12	an	an	DET
cblr-1712	244	13	alleged	allege	VERB
cblr-1712	244	14	tila	tila	NOUN
cblr-1712	244	15	violation	violation	NOUN
cblr-1712	244	16	.	.	PUNCT
cblr-1712	245	1	in	in	ADP
cblr-1712	245	2	three	three	NUM
cblr-1712	245	3	of	of	ADP
cblr-1712	245	4	those	those	DET
cblr-1712	245	5	cases,63	cases,63	NUM
cblr-1712	245	6	the	the	DET
cblr-1712	245	7	tila	tila	NOUN
cblr-1712	245	8	allegation	allegation	NOUN
cblr-1712	245	9	was	be	AUX
cblr-1712	245	10	secondary	secondary	ADJ
cblr-1712	245	11	to	to	ADP
cblr-1712	245	12	an	an	DET
cblr-1712	245	13	alleged	alleged	ADJ
cblr-1712	245	14	violation	violation	NOUN
cblr-1712	245	15	of	of	ADP
cblr-1712	245	16	a	a	DET
cblr-1712	245	17	different	different	ADJ
cblr-1712	245	18	federal	federal	ADJ
cblr-1712	245	19	consumer	consumer	NOUN
cblr-1712	245	20	protection	protection	NOUN
cblr-1712	245	21	statute	statute	NOUN
cblr-1712	245	22	,	,	PUNCT
cblr-1712	245	23	such	such	ADJ
cblr-1712	245	24	as	as	ADP
cblr-1712	245	25	the	the	DET
cblr-1712	245	26	fdcpa	fdcpa	NOUN
cblr-1712	245	27	.	.	PUNCT
cblr-1712	246	1	in	in	ADP
cblr-1712	246	2	such	such	ADJ
cblr-1712	246	3	instances	instance	NOUN
cblr-1712	246	4	,	,	PUNCT
cblr-1712	246	5	the	the	DET
cblr-1712	246	6	case	case	NOUN
cblr-1712	246	7	is	be	AUX
cblr-1712	246	8	coded	code	VERB
cblr-1712	246	9	as	as	ADP
cblr-1712	246	10	arising	arise	VERB
cblr-1712	246	11	under	under	ADP
cblr-1712	246	12	the	the	DET
cblr-1712	246	13	different	different	ADJ
cblr-1712	246	14	statute	statute	NOUN
cblr-1712	246	15	.	.	PUNCT
cblr-1712	247	1	in	in	ADP
cblr-1712	247	2	another	another	DET
cblr-1712	247	3	seven	seven	NUM
cblr-1712	247	4	cases	case	NOUN
cblr-1712	247	5	,	,	PUNCT
cblr-1712	247	6	the	the	DET
cblr-1712	247	7	plaintiffs	plaintiff	NOUN
cblr-1712	247	8	did	do	AUX
cblr-1712	247	9	not	not	PART
cblr-1712	247	10	pursue	pursue	VERB
cblr-1712	247	11	the	the	DET
cblr-1712	247	12	tila	tila	NOUN
cblr-1712	247	13	allegation	allegation	NOUN
cblr-1712	247	14	,	,	PUNCT
cblr-1712	247	15	as	as	SCONJ
cblr-1712	247	16	the	the	DET
cblr-1712	247	17	case	case	NOUN
cblr-1712	247	18	involved	involve	VERB
cblr-1712	247	19	alleged	alleged	ADJ
cblr-1712	247	20	wrongdoing	wrongdoing	NOUN
cblr-1712	247	21	in	in	ADP
cblr-1712	247	22	mortgage	mortgage	NOUN
cblr-1712	247	23	origination	origination	NOUN
cblr-1712	247	24	or	or	CCONJ
cblr-1712	247	25	servicing	servicing	NOUN
cblr-1712	247	26	.	.	PUNCT
cblr-1712	248	1	these	these	DET
cblr-1712	248	2	cases	case	NOUN
cblr-1712	248	3	were	be	AUX
cblr-1712	248	4	resolved	resolve	VERB
cblr-1712	248	5	on	on	ADP
cblr-1712	248	6	state	state	NOUN
cblr-1712	248	7	law	law	NOUN
cblr-1712	248	8	grounds	ground	NOUN
cblr-1712	248	9	,	,	PUNCT
cblr-1712	248	10	and	and	CCONJ
cblr-1712	248	11	thus	thus	ADV
cblr-1712	248	12	are	be	AUX
cblr-1712	248	13	coded	code	VERB
cblr-1712	248	14	under	under	ADP
cblr-1712	248	15	the	the	DET
cblr-1712	248	16	mortgage	mortgage	NOUN
cblr-1712	248	17	-	-	PUNCT
cblr-1712	248	18	related	relate	VERB
cblr-1712	248	19	categories.64	categories.64	NOUN
cblr-1712	248	20	the	the	DET
cblr-1712	248	21	plaintiffs	plaintiff	NOUN
cblr-1712	248	22	actively	actively	ADV
cblr-1712	248	23	pursued	pursue	VERB
cblr-1712	248	24	a	a	DET
cblr-1712	248	25	tila	tila	NOUN
cblr-1712	248	26	allegation	allegation	NOUN
cblr-1712	248	27	in	in	ADP
cblr-1712	248	28	only	only	ADV
cblr-1712	248	29	one	one	NUM
cblr-1712	248	30	case.65	case.65	NOUN
cblr-1712	248	31	complaints	complaint	NOUN
cblr-1712	248	32	also	also	ADV
cblr-1712	248	33	alleged	allege	VERB
cblr-1712	248	34	violations	violation	NOUN
cblr-1712	248	35	of	of	ADP
cblr-1712	248	36	state	state	NOUN
cblr-1712	248	37	consumer	consumer	NOUN
cblr-1712	248	38	protection	protection	NOUN
cblr-1712	248	39	laws	law	NOUN
cblr-1712	248	40	or	or	CCONJ
cblr-1712	248	41	wrongful	wrongful	ADJ
cblr-1712	248	42	behavior	behavior	NOUN
cblr-1712	248	43	triggering	trigger	VERB
cblr-1712	248	44	common	common	ADJ
cblr-1712	248	45	law	law	NOUN
cblr-1712	248	46	62	62	NUM
cblr-1712	248	47	see	see	VERB
cblr-1712	248	48	2015	2015	NUM
cblr-1712	248	49	arbitration	arbitration	NOUN
cblr-1712	248	50	study	study	NOUN
cblr-1712	248	51	,	,	PUNCT
cblr-1712	248	52	supra	supra	PROPN
cblr-1712	248	53	note	note	PROPN
cblr-1712	248	54	21	21	NUM
cblr-1712	248	55	,	,	PUNCT
cblr-1712	248	56	at	at	ADP
cblr-1712	248	57	21	21	NUM
cblr-1712	248	58	fig.2	fig.2	PROPN
cblr-1712	248	59	.	.	PUNCT
cblr-1712	249	1	63	63	NUM
cblr-1712	249	2	greene	greene	PROPN
cblr-1712	249	3	v.	v.	ADP
cblr-1712	249	4	direct	direct	ADJ
cblr-1712	249	5	tv	tv	NOUN
cblr-1712	249	6	,	,	PUNCT
cblr-1712	249	7	no	no	INTJ
cblr-1712	249	8	.	.	NOUN
cblr-1712	249	9	10	10	NUM
cblr-1712	249	10	-	-	PUNCT
cblr-1712	249	11	cv-00117	cv-00117	NOUN
cblr-1712	249	12	(	(	PUNCT
cblr-1712	249	13	n.d	n.d	PROPN
cblr-1712	249	14	.	.	PROPN
cblr-1712	249	15	ill	ill	PROPN
cblr-1712	249	16	.	.	PROPN
cblr-1712	249	17	2010	2010	NUM
cblr-1712	249	18	)	)	PUNCT
cblr-1712	249	19	(	(	PUNCT
cblr-1712	249	20	coded	code	VERB
cblr-1712	249	21	as	as	ADP
cblr-1712	249	22	tcpa	tcpa	NOUN
cblr-1712	249	23	)	)	PUNCT
cblr-1712	249	24	;	;	PUNCT
cblr-1712	249	25	wysocki	wysocki	PROPN
cblr-1712	249	26	v.	v.	ADP
cblr-1712	249	27	city	city	PROPN
cblr-1712	249	28	nat’l	nat’l	PROPN
cblr-1712	249	29	bank	bank	PROPN
cblr-1712	249	30	,	,	PUNCT
cblr-1712	249	31	no	no	INTJ
cblr-1712	249	32	.	.	NOUN
cblr-1712	249	33	10	10	NUM
cblr-1712	249	34	-	-	PUNCT
cblr-1712	249	35	cv-03850	cv-03850	PROPN
cblr-1712	249	36	(	(	PUNCT
cblr-1712	249	37	n.d	n.d	PROPN
cblr-1712	249	38	.	.	PROPN
cblr-1712	249	39	ill	ill	PROPN
cblr-1712	249	40	.	.	PROPN
cblr-1712	249	41	2010	2010	NUM
cblr-1712	249	42	)	)	PUNCT
cblr-1712	249	43	(	(	PUNCT
cblr-1712	249	44	coded	code	VERB
cblr-1712	249	45	as	as	ADP
cblr-1712	249	46	fdcpa	fdcpa	NOUN
cblr-1712	249	47	)	)	PUNCT
cblr-1712	249	48	;	;	PUNCT
cblr-1712	249	49	and	and	CCONJ
cblr-1712	249	50	velasquez	velasquez	PROPN
cblr-1712	249	51	v.	v.	PROPN
cblr-1712	249	52	thd	thd	PROPN
cblr-1712	249	53	at	at	ADP
cblr-1712	249	54	-	-	PUNCT
cblr-1712	249	55	home	home	NOUN
cblr-1712	249	56	servs	servs	NOUN
cblr-1712	249	57	.	.	PUNCT
cblr-1712	250	1	,	,	PUNCT
cblr-1712	250	2	no	no	INTJ
cblr-1712	250	3	.	.	NOUN
cblr-1712	250	4	12	12	NUM
cblr-1712	250	5	-	-	PUNCT
cblr-1712	250	6	cv-03125	cv-03125	NOUN
cblr-1712	250	7	(	(	PUNCT
cblr-1712	250	8	n.d	n.d	PROPN
cblr-1712	250	9	.	.	PROPN
cblr-1712	250	10	ill	ill	PROPN
cblr-1712	250	11	.	.	PROPN
cblr-1712	250	12	2012	2012	NUM
cblr-1712	250	13	)	)	PUNCT
cblr-1712	250	14	(	(	PUNCT
cblr-1712	250	15	coded	code	VERB
cblr-1712	250	16	as	as	ADP
cblr-1712	250	17	fdcpa	fdcpa	NOUN
cblr-1712	250	18	)	)	PUNCT
cblr-1712	250	19	.	.	PUNCT
cblr-1712	251	1	64	64	NUM
cblr-1712	251	2	such	such	ADJ
cblr-1712	251	3	cases	case	NOUN
cblr-1712	251	4	are	be	AUX
cblr-1712	251	5	either	either	CCONJ
cblr-1712	251	6	in	in	ADP
cblr-1712	251	7	the	the	DET
cblr-1712	251	8	“	"	PUNCT
cblr-1712	251	9	hamp	hamp	NOUN
cblr-1712	251	10	mortgage	mortgage	NOUN
cblr-1712	251	11	failure	failure	NOUN
cblr-1712	251	12	”	"	PUNCT
cblr-1712	251	13	or	or	CCONJ
cblr-1712	251	14	“	"	PUNCT
cblr-1712	251	15	other	other	ADJ
cblr-1712	251	16	mortgage	mortgage	NOUN
cblr-1712	251	17	”	"	PUNCT
cblr-1712	251	18	categories	category	NOUN
cblr-1712	251	19	and	and	CCONJ
cblr-1712	251	20	include	include	VERB
cblr-1712	251	21	smith	smith	PROPN
cblr-1712	251	22	v.	v.	ADP
cblr-1712	251	23	residential	residential	ADJ
cblr-1712	251	24	servs	servs	NOUN
cblr-1712	251	25	.	.	PUNCT
cblr-1712	251	26	,	,	PUNCT
cblr-1712	251	27	no	no	INTJ
cblr-1712	251	28	.	.	NOUN
cblr-1712	252	1	10	10	NUM
cblr-1712	252	2	-	-	PUNCT
cblr-1712	252	3	cv05440	cv05440	PROPN
cblr-1712	252	4	(	(	PUNCT
cblr-1712	252	5	n.d	n.d	PROPN
cblr-1712	252	6	.	.	PROPN
cblr-1712	252	7	ill	ill	PROPN
cblr-1712	252	8	.	.	PROPN
cblr-1712	252	9	2010	2010	NUM
cblr-1712	252	10	)	)	PUNCT
cblr-1712	252	11	;	;	PUNCT
cblr-1712	252	12	boyden	boyden	PROPN
cblr-1712	252	13	v.	v.	PROPN
cblr-1712	252	14	bmo	bmo	PROPN
cblr-1712	252	15	harris	harris	PROPN
cblr-1712	252	16	bank	bank	PROPN
cblr-1712	252	17	,	,	PUNCT
cblr-1712	252	18	no	no	INTJ
cblr-1712	252	19	.	.	NOUN
cblr-1712	253	1	11	11	NUM
cblr-1712	253	2	-	-	PUNCT
cblr-1712	253	3	cv-00061	cv-00061	NOUN
cblr-1712	253	4	(	(	PUNCT
cblr-1712	253	5	n.d	n.d	PROPN
cblr-1712	253	6	.	.	PROPN
cblr-1712	253	7	ill	ill	PROPN
cblr-1712	253	8	.	.	PROPN
cblr-1712	253	9	2011	2011	NUM
cblr-1712	253	10	)	)	PUNCT
cblr-1712	253	11	;	;	PUNCT
cblr-1712	253	12	kesten	kesten	PROPN
cblr-1712	253	13	v.	v.	ADP
cblr-1712	253	14	ocwen	ocwen	PROPN
cblr-1712	253	15	loan	loan	NOUN
cblr-1712	253	16	servicing	servicing	NOUN
cblr-1712	253	17	,	,	PUNCT
cblr-1712	253	18	no	no	INTJ
cblr-1712	253	19	.	.	NOUN
cblr-1712	253	20	11	11	NUM
cblr-1712	253	21	-	-	PUNCT
cblr-1712	253	22	cv-06981	cv-06981	NOUN
cblr-1712	253	23	(	(	PUNCT
cblr-1712	253	24	n.d	n.d	PROPN
cblr-1712	253	25	.	.	PROPN
cblr-1712	253	26	ill	ill	PROPN
cblr-1712	253	27	.	.	PROPN
cblr-1712	253	28	2011	2011	NUM
cblr-1712	253	29	)	)	PUNCT
cblr-1712	253	30	;	;	PUNCT
cblr-1712	253	31	sindler	sindler	NOUN
cblr-1712	253	32	v.	v.	ADP
cblr-1712	253	33	saxon	saxon	PROPN
cblr-1712	253	34	mortgage	mortgage	NOUN
cblr-1712	253	35	,	,	PUNCT
cblr-1712	253	36	no	no	INTJ
cblr-1712	253	37	.	.	NOUN
cblr-1712	253	38	12	12	NUM
cblr-1712	253	39	-	-	PUNCT
cblr-1712	253	40	cv-07224	cv-07224	PROPN
cblr-1712	253	41	(	(	PUNCT
cblr-1712	253	42	n.d	n.d	PROPN
cblr-1712	253	43	.	.	PROPN
cblr-1712	253	44	ill	ill	ADJ
cblr-1712	253	45	2012	2012	NUM
cblr-1712	253	46	)	)	PUNCT
cblr-1712	253	47	;	;	PUNCT
cblr-1712	253	48	and	and	CCONJ
cblr-1712	253	49	walton	walton	PROPN
cblr-1712	253	50	v.	v.	ADP
cblr-1712	253	51	diamond	diamond	PROPN
cblr-1712	253	52	,	,	PUNCT
cblr-1712	253	53	urban	urban	ADJ
cblr-1712	253	54	fin	fin	NOUN
cblr-1712	253	55	.	.	PUNCT
cblr-1712	254	1	servs	servs	PROPN
cblr-1712	254	2	.	.	PUNCT
cblr-1712	254	3	,	,	PUNCT
cblr-1712	254	4	no	no	INTJ
cblr-1712	254	5	.	.	NOUN
cblr-1712	254	6	12	12	NUM
cblr-1712	254	7	-	-	PUNCT
cblr-1712	254	8	cv-044493	cv-044493	NOUN
cblr-1712	254	9	(	(	PUNCT
cblr-1712	254	10	n.d	n.d	PROPN
cblr-1712	254	11	.	.	PROPN
cblr-1712	254	12	ill	ill	PROPN
cblr-1712	254	13	.	.	PROPN
cblr-1712	254	14	2012	2012	NUM
cblr-1712	254	15	)	)	PUNCT
cblr-1712	254	16	.	.	PUNCT
cblr-1712	255	1	two	two	NUM
cblr-1712	255	2	such	such	ADJ
cblr-1712	255	3	cases	case	NOUN
cblr-1712	255	4	,	,	PUNCT
cblr-1712	255	5	benn	benn	PROPN
cblr-1712	255	6	v.	v.	ADP
cblr-1712	255	7	surgery	surgery	PROPN
cblr-1712	255	8	grp	grp	PROPN
cblr-1712	255	9	.	.	PROPN
cblr-1712	255	10	,	,	PUNCT
cblr-1712	255	11	no	no	INTJ
cblr-1712	255	12	.	.	NOUN
cblr-1712	255	13	10	10	NUM
cblr-1712	255	14	-	-	PUNCT
cblr-1712	255	15	cv-05922	cv-05922	PROPN
cblr-1712	255	16	(	(	PUNCT
cblr-1712	255	17	n.d	n.d	PROPN
cblr-1712	255	18	.	.	PROPN
cblr-1712	255	19	ill	ill	ADJ
cblr-1712	255	20	2010	2010	NUM
cblr-1712	255	21	)	)	PUNCT
cblr-1712	255	22	and	and	CCONJ
cblr-1712	255	23	battle	battle	NOUN
cblr-1712	255	24	v.	v.	ADP
cblr-1712	255	25	chi	chi	PROPN
cblr-1712	255	26	.	.	PUNCT
cblr-1712	256	1	cycle	cycle	NOUN
cblr-1712	256	2	,	,	PUNCT
cblr-1712	256	3	no	no	NOUN
cblr-1712	256	4	.	.	NOUN
cblr-1712	257	1	10	10	NUM
cblr-1712	257	2	-	-	PUNCT
cblr-1712	257	3	cv-06983	cv-06983	NOUN
cblr-1712	257	4	(	(	PUNCT
cblr-1712	257	5	n.d	n.d	PROPN
cblr-1712	257	6	.	.	PROPN
cblr-1712	257	7	ill	ill	PROPN
cblr-1712	257	8	.	.	PROPN
cblr-1712	257	9	2010	2010	NUM
cblr-1712	257	10	)	)	PUNCT
cblr-1712	257	11	,	,	PUNCT
cblr-1712	257	12	are	be	AUX
cblr-1712	257	13	in	in	ADP
cblr-1712	257	14	the	the	DET
cblr-1712	257	15	“	"	PUNCT
cblr-1712	257	16	fees	fee	NOUN
cblr-1712	257	17	and	and	CCONJ
cblr-1712	257	18	charges	charge	NOUN
cblr-1712	257	19	”	"	PUNCT
cblr-1712	257	20	category	category	NOUN
cblr-1712	257	21	.	.	PUNCT
cblr-1712	258	1	65	65	NUM
cblr-1712	258	2	swanson	swanson	PROPN
cblr-1712	258	3	v.	v.	PROPN
cblr-1712	258	4	argent	argent	PROPN
cblr-1712	258	5	,	,	PUNCT
cblr-1712	258	6	no	no	INTJ
cblr-1712	258	7	.	.	NOUN
cblr-1712	258	8	10	10	NUM
cblr-1712	258	9	-	-	PUNCT
cblr-1712	258	10	cv-01039	cv-01039	PROPN
cblr-1712	258	11	(	(	PUNCT
cblr-1712	258	12	n.d	n.d	PROPN
cblr-1712	258	13	.	.	PROPN
cblr-1712	258	14	ill	ill	PROPN
cblr-1712	258	15	.	.	PROPN
cblr-1712	258	16	2010	2010	NUM
cblr-1712	258	17	)	)	PUNCT
cblr-1712	258	18	(	(	PUNCT
cblr-1712	258	19	alleging	allege	VERB
cblr-1712	258	20	that	that	DET
cblr-1712	258	21	defendant	defendant	NOUN
cblr-1712	258	22	failed	fail	VERB
cblr-1712	258	23	to	to	PART
cblr-1712	258	24	notify	notify	VERB
cblr-1712	258	25	plaintiffs	plaintiff	NOUN
cblr-1712	258	26	of	of	ADP
cblr-1712	258	27	their	their	PRON
cblr-1712	258	28	right	right	NOUN
cblr-1712	258	29	to	to	PART
cblr-1712	258	30	rescind	rescind	VERB
cblr-1712	258	31	,	,	PUNCT
cblr-1712	258	32	as	as	SCONJ
cblr-1712	258	33	required	require	VERB
cblr-1712	258	34	by	by	ADP
cblr-1712	258	35	tila	tila	NOUN
cblr-1712	258	36	)	)	PUNCT
cblr-1712	258	37	.	.	PUNCT
cblr-1712	259	1	johnston	johnston	PROPN
cblr-1712	259	2	–	–	PUNCT
cblr-1712	259	3	final	final	ADJ
cblr-1712	259	4	22	22	NUM
cblr-1712	259	5	columbia	columbia	PROPN
cblr-1712	259	6	business	business	NOUN
cblr-1712	259	7	law	law	PROPN
cblr-1712	259	8	review	review	NOUN
cblr-1712	259	9	[	[	X
cblr-1712	259	10	vol	vol	NOUN
cblr-1712	259	11	.	.	PUNCT
cblr-1712	259	12	2017	2017	NUM
cblr-1712	259	13	liability.66	liability.66	NOUN
cblr-1712	259	14	figure	figure	VERB
cblr-1712	259	15	1	1	NUM
cblr-1712	259	16	describes	describe	VERB
cblr-1712	259	17	some	some	DET
cblr-1712	259	18	state	state	NOUN
cblr-1712	259	19	law	law	NOUN
cblr-1712	259	20	case	case	NOUN
cblr-1712	259	21	types	type	NOUN
cblr-1712	259	22	,	,	PUNCT
cblr-1712	259	23	such	such	ADJ
cblr-1712	259	24	as	as	ADP
cblr-1712	259	25	those	those	PRON
cblr-1712	259	26	involving	involve	VERB
cblr-1712	259	27	products	product	NOUN
cblr-1712	259	28	liability	liability	NOUN
cblr-1712	259	29	(	(	PUNCT
cblr-1712	259	30	defective	defective	ADJ
cblr-1712	259	31	products	product	NOUN
cblr-1712	259	32	)	)	PUNCT
cblr-1712	259	33	claims	claim	NOUN
cblr-1712	259	34	and	and	CCONJ
cblr-1712	259	35	those	those	PRON
cblr-1712	259	36	alleging	allege	VERB
cblr-1712	259	37	false	false	ADJ
cblr-1712	259	38	and	and	CCONJ
cblr-1712	259	39	deceptive	deceptive	ADJ
cblr-1712	259	40	advertising	advertising	NOUN
cblr-1712	259	41	.	.	PUNCT
cblr-1712	260	1	other	other	ADJ
cblr-1712	260	2	types	type	NOUN
cblr-1712	260	3	require	require	VERB
cblr-1712	260	4	quick	quick	ADJ
cblr-1712	260	5	clarification	clarification	NOUN
cblr-1712	260	6	.	.	PUNCT
cblr-1712	261	1	those	those	PRON
cblr-1712	261	2	categorized	categorize	VERB
cblr-1712	261	3	as	as	ADP
cblr-1712	261	4	involving	involve	VERB
cblr-1712	261	5	“	"	PUNCT
cblr-1712	261	6	fees	fee	NOUN
cblr-1712	261	7	and	and	CCONJ
cblr-1712	261	8	charges	charge	NOUN
cblr-1712	261	9	”	"	PUNCT
cblr-1712	261	10	challenge	challenge	VERB
cblr-1712	261	11	the	the	DET
cblr-1712	261	12	imposition	imposition	NOUN
cblr-1712	261	13	of	of	ADP
cblr-1712	261	14	such	such	ADJ
cblr-1712	261	15	fees	fee	NOUN
cblr-1712	261	16	and	and	CCONJ
cblr-1712	261	17	charges	charge	NOUN
cblr-1712	261	18	in	in	ADP
cblr-1712	261	19	various	various	ADJ
cblr-1712	261	20	consumer	consumer	NOUN
cblr-1712	261	21	contracts	contract	NOUN
cblr-1712	261	22	on	on	ADP
cblr-1712	261	23	a	a	DET
cblr-1712	261	24	variety	variety	NOUN
cblr-1712	261	25	of	of	ADP
cblr-1712	261	26	state	state	NOUN
cblr-1712	261	27	common	common	ADJ
cblr-1712	261	28	law	law	NOUN
cblr-1712	261	29	and	and	CCONJ
cblr-1712	261	30	statutory	statutory	ADJ
cblr-1712	261	31	theories	theory	NOUN
cblr-1712	261	32	.	.	PUNCT
cblr-1712	262	1	home	home	NOUN
cblr-1712	262	2	affordable	affordable	ADJ
cblr-1712	262	3	mortgage	mortgage	NOUN
cblr-1712	262	4	program	program	NOUN
cblr-1712	262	5	(	(	PUNCT
cblr-1712	262	6	“	"	PUNCT
cblr-1712	262	7	hamp	hamp	NOUN
cblr-1712	262	8	”	"	PUNCT
cblr-1712	262	9	)	)	PUNCT
cblr-1712	262	10	mortgage	mortgage	NOUN
cblr-1712	262	11	modification	modification	NOUN
cblr-1712	262	12	failure	failure	NOUN
cblr-1712	262	13	cases	case	NOUN
cblr-1712	262	14	arose	arise	VERB
cblr-1712	262	15	from	from	ADP
cblr-1712	262	16	the	the	DET
cblr-1712	262	17	federal	federal	ADJ
cblr-1712	262	18	hamp	hamp	NOUN
cblr-1712	262	19	and	and	CCONJ
cblr-1712	262	20	alleged	allege	VERB
cblr-1712	262	21	that	that	SCONJ
cblr-1712	262	22	financial	financial	ADJ
cblr-1712	262	23	defendants	defendant	NOUN
cblr-1712	262	24	were	be	AUX
cblr-1712	262	25	liable	liable	ADJ
cblr-1712	262	26	for	for	ADP
cblr-1712	262	27	failing	fail	VERB
cblr-1712	262	28	to	to	PART
cblr-1712	262	29	modify	modify	VERB
cblr-1712	262	30	mortgages	mortgage	NOUN
cblr-1712	262	31	as	as	SCONJ
cblr-1712	262	32	promised	promise	VERB
cblr-1712	262	33	pursuant	pursuant	NOUN
cblr-1712	262	34	to	to	ADP
cblr-1712	262	35	that	that	DET
cblr-1712	262	36	program	program	NOUN
cblr-1712	262	37	.	.	PUNCT
cblr-1712	263	1	“	"	PUNCT
cblr-1712	263	2	other	other	ADJ
cblr-1712	263	3	mortgage	mortgage	NOUN
cblr-1712	263	4	”	"	PUNCT
cblr-1712	263	5	claims	claim	NOUN
cblr-1712	263	6	include	include	VERB
cblr-1712	263	7	a	a	DET
cblr-1712	263	8	congeries	congerie	NOUN
cblr-1712	263	9	of	of	ADP
cblr-1712	263	10	alleged	allege	VERB
cblr-1712	263	11	violations	violation	NOUN
cblr-1712	263	12	arising	arise	VERB
cblr-1712	263	13	from	from	ADP
cblr-1712	263	14	mortgage	mortgage	NOUN
cblr-1712	263	15	origination	origination	NOUN
cblr-1712	263	16	and	and	CCONJ
cblr-1712	263	17	servicing	servicing	NOUN
cblr-1712	263	18	.	.	PUNCT
cblr-1712	264	1	usurious	usurious	ADJ
cblr-1712	264	2	payday	payday	PROPN
cblr-1712	264	3	loan	loan	NOUN
cblr-1712	264	4	claims	claim	NOUN
cblr-1712	264	5	alleged	allege	VERB
cblr-1712	264	6	precisely	precisely	ADV
cblr-1712	264	7	that	that	PRON
cblr-1712	264	8	.	.	PUNCT
cblr-1712	265	1	the	the	DET
cblr-1712	265	2	final	final	ADJ
cblr-1712	265	3	category	category	NOUN
cblr-1712	265	4	of	of	ADP
cblr-1712	265	5	claims	claim	NOUN
cblr-1712	265	6	arose	arise	VERB
cblr-1712	265	7	under	under	ADP
cblr-1712	265	8	european	european	PROPN
cblr-1712	265	9	union	union	PROPN
cblr-1712	265	10	regulation	regulation	NOUN
cblr-1712	265	11	261.67	261.67	NUM
cblr-1712	265	12	in	in	ADP
cblr-1712	265	13	that	that	DET
cblr-1712	265	14	category	category	NOUN
cblr-1712	265	15	of	of	ADP
cblr-1712	265	16	cases	case	NOUN
cblr-1712	265	17	,	,	PUNCT
cblr-1712	265	18	plaintiffs	plaintiff	NOUN
cblr-1712	265	19	alleged	allege	VERB
cblr-1712	265	20	that	that	SCONJ
cblr-1712	265	21	various	various	ADJ
cblr-1712	265	22	airline	airline	NOUN
cblr-1712	265	23	defendants	defendant	NOUN
cblr-1712	265	24	failed	fail	VERB
cblr-1712	265	25	to	to	PART
cblr-1712	265	26	compensate	compensate	VERB
cblr-1712	265	27	passengers	passenger	NOUN
cblr-1712	265	28	for	for	ADP
cblr-1712	265	29	international	international	ADJ
cblr-1712	265	30	flight	flight	NOUN
cblr-1712	265	31	delay	delay	NOUN
cblr-1712	265	32	or	or	CCONJ
cblr-1712	265	33	cancellation	cancellation	NOUN
cblr-1712	265	34	.	.	PUNCT
cblr-1712	266	1	66	66	NUM
cblr-1712	267	1	these	these	DET
cblr-1712	267	2	state	state	NOUN
cblr-1712	267	3	law	law	NOUN
cblr-1712	267	4	consumer	consumer	NOUN
cblr-1712	267	5	class	class	NOUN
cblr-1712	267	6	actions	action	NOUN
cblr-1712	267	7	will	will	AUX
cblr-1712	267	8	be	be	AUX
cblr-1712	267	9	discussed	discuss	VERB
cblr-1712	267	10	and	and	CCONJ
cblr-1712	267	11	analyzed	analyze	VERB
cblr-1712	267	12	in	in	ADP
cblr-1712	267	13	detail	detail	NOUN
cblr-1712	267	14	in	in	ADP
cblr-1712	267	15	a	a	DET
cblr-1712	267	16	subsequent	subsequent	ADJ
cblr-1712	267	17	article	article	NOUN
cblr-1712	267	18	.	.	PUNCT
cblr-1712	268	1	67	67	NUM
cblr-1712	268	2	commission	commission	NOUN
cblr-1712	268	3	regulation	regulation	NOUN
cblr-1712	268	4	261/04	261/04	NUM
cblr-1712	268	5	,	,	PUNCT
cblr-1712	268	6	2004	2004	NUM
cblr-1712	268	7	o.j	o.j	PROPN
cblr-1712	268	8	.	.	PUNCT
cblr-1712	268	9	(	(	PUNCT
cblr-1712	268	10	l	l	NOUN
cblr-1712	268	11	46	46	NUM
cblr-1712	268	12	)	)	PUNCT
cblr-1712	268	13	1	1	NUM
cblr-1712	268	14	,	,	PUNCT
cblr-1712	268	15	http://eurlex.europa.eu/resource.html?uri=cellar:439cd3a7-fd3c-4da7-8bf4b0f60600c1d6.0004.02/doc_1&format=pdf	http://eurlex.europa.eu/resource.html?uri=cellar:439cd3a7-fd3c-4da7-8bf4b0f60600c1d6.0004.02/doc_1&format=pdf	PROPN
cblr-1712	268	16	.	.	PUNCT
cblr-1712	269	1	johnston	johnston	PROPN
cblr-1712	269	2	–	–	PUNCT
cblr-1712	269	3	final	final	ADJ
cblr-1712	269	4	no	no	NOUN
cblr-1712	269	5	.	.	NOUN
cblr-1712	269	6	1:1	1:1	NUM
cblr-1712	269	7	]	]	X
cblr-1712	269	8	high	high	ADJ
cblr-1712	269	9	cost	cost	NOUN
cblr-1712	269	10	,	,	PUNCT
cblr-1712	269	11	little	little	ADJ
cblr-1712	269	12	compensation	compensation	NOUN
cblr-1712	269	13	23	23	NUM
cblr-1712	269	14	figure	figure	NOUN
cblr-1712	269	15	1	1	NUM
cblr-1712	269	16	.	.	PUNCT
cblr-1712	269	17	number	number	NOUN
cblr-1712	269	18	of	of	ADP
cblr-1712	269	19	consumer	consumer	NOUN
cblr-1712	269	20	class	class	NOUN
cblr-1712	269	21	-	-	PUNCT
cblr-1712	269	22	action	action	NOUN
cblr-1712	269	23	filings	filing	NOUN
cblr-1712	269	24	,	,	PUNCT
cblr-1712	269	25	n.d	n.d	PROPN
cblr-1712	269	26	.	.	PROPN
cblr-1712	269	27	ill	ill	PROPN
cblr-1712	269	28	.	.	PUNCT
cblr-1712	269	29	2010–2012	2010–2012	NUM
cblr-1712	269	30	,	,	PUNCT
cblr-1712	269	31	by	by	ADP
cblr-1712	269	32	case	case	NOUN
cblr-1712	269	33	type	type	NOUN
cblr-1712	269	34	4	4	NUM
cblr-1712	269	35	.	.	PUNCT
cblr-1712	269	36	outcomes	outcome	NOUN
cblr-1712	269	37	in	in	ADP
cblr-1712	269	38	class	class	NOUN
cblr-1712	269	39	actions	action	NOUN
cblr-1712	269	40	under	under	ADP
cblr-1712	269	41	federal	federal	ADJ
cblr-1712	269	42	consumer	consumer	NOUN
cblr-1712	269	43	protection	protection	NOUN
cblr-1712	269	44	statutes	statute	NOUN
cblr-1712	269	45	as	as	SCONJ
cblr-1712	269	46	this	this	DET
cblr-1712	269	47	article	article	NOUN
cblr-1712	269	48	is	be	AUX
cblr-1712	269	49	the	the	DET
cblr-1712	269	50	first	first	ADJ
cblr-1712	269	51	in	in	ADP
cblr-1712	269	52	a	a	DET
cblr-1712	269	53	series	series	NOUN
cblr-1712	269	54	analyzing	analyze	VERB
cblr-1712	269	55	the	the	DET
cblr-1712	269	56	northern	northern	ADJ
cblr-1712	269	57	district	district	PROPN
cblr-1712	269	58	of	of	ADP
cblr-1712	269	59	illinois	illinois	PROPN
cblr-1712	269	60	consumer	consumer	NOUN
cblr-1712	269	61	class	class	NOUN
cblr-1712	269	62	-	-	PUNCT
cblr-1712	269	63	action	action	NOUN
cblr-1712	269	64	types	type	NOUN
cblr-1712	269	65	depicted	depict	VERB
cblr-1712	269	66	in	in	ADP
cblr-1712	269	67	figure	figure	NOUN
cblr-1712	269	68	1	1	NUM
cblr-1712	269	69	,	,	PUNCT
cblr-1712	269	70	it	it	PRON
cblr-1712	269	71	analyzes	analyze	VERB
cblr-1712	269	72	only	only	ADV
cblr-1712	269	73	class	class	NOUN
cblr-1712	269	74	actions	action	NOUN
cblr-1712	269	75	under	under	ADP
cblr-1712	269	76	federal	federal	ADJ
cblr-1712	269	77	consumer	consumer	NOUN
cblr-1712	269	78	protection	protection	NOUN
cblr-1712	269	79	statutes	statute	NOUN
cblr-1712	269	80	.	.	PUNCT
cblr-1712	270	1	a	a	DET
cblr-1712	270	2	brief	brief	ADJ
cblr-1712	270	3	description	description	NOUN
cblr-1712	270	4	of	of	ADP
cblr-1712	270	5	these	these	DET
cblr-1712	270	6	statutes	statute	NOUN
cblr-1712	270	7	follows	follow	VERB
cblr-1712	270	8	,	,	PUNCT
cblr-1712	270	9	in	in	ADP
cblr-1712	270	10	order	order	NOUN
cblr-1712	270	11	of	of	ADP
cblr-1712	270	12	frequency	frequency	NOUN
cblr-1712	270	13	,	,	PUNCT
cblr-1712	270	14	from	from	ADP
cblr-1712	270	15	most	most	ADJ
cblr-1712	270	16	common	common	ADJ
cblr-1712	270	17	to	to	ADP
cblr-1712	270	18	least	least	ADJ
cblr-1712	270	19	.	.	PUNCT
cblr-1712	271	1	the	the	DET
cblr-1712	271	2	most	most	ADV
cblr-1712	271	3	frequently	frequently	ADV
cblr-1712	271	4	occurring	occur	VERB
cblr-1712	271	5	federal	federal	ADJ
cblr-1712	271	6	consumer	consumer	NOUN
cblr-1712	271	7	protection	protection	NOUN
cblr-1712	271	8	class	class	NOUN
cblr-1712	271	9	actions	action	NOUN
cblr-1712	271	10	are	be	AUX
cblr-1712	271	11	brought	bring	VERB
cblr-1712	271	12	under	under	ADP
cblr-1712	271	13	the	the	DET
cblr-1712	271	14	fdcpa	fdcpa	NOUN
cblr-1712	271	15	.	.	PUNCT
cblr-1712	272	1	that	that	DET
cblr-1712	272	2	statute68	statute68	NOUN
cblr-1712	272	3	imposes	impose	VERB
cblr-1712	272	4	various	various	ADJ
cblr-1712	272	5	formal	formal	ADJ
cblr-1712	272	6	requirements	requirement	NOUN
cblr-1712	272	7	on	on	ADP
cblr-1712	272	8	debt	debt	NOUN
cblr-1712	272	9	collectors	collector	NOUN
cblr-1712	272	10	,	,	PUNCT
cblr-1712	272	11	such	such	ADJ
cblr-1712	272	12	as	as	ADP
cblr-1712	272	13	registration	registration	NOUN
cblr-1712	272	14	and	and	CCONJ
cblr-1712	272	15	disclosure	disclosure	NOUN
cblr-1712	272	16	of	of	ADP
cblr-1712	272	17	identity	identity	NOUN
cblr-1712	272	18	as	as	ADP
cblr-1712	272	19	a	a	DET
cblr-1712	272	20	debt	debt	NOUN
cblr-1712	272	21	collector	collector	NOUN
cblr-1712	272	22	.	.	PUNCT
cblr-1712	273	1	the	the	DET
cblr-1712	273	2	fdcpa	fdcpa	PROPN
cblr-1712	273	3	also	also	ADV
cblr-1712	273	4	contains	contain	VERB
cblr-1712	273	5	substantive	substantive	ADJ
cblr-1712	273	6	protections	protection	NOUN
cblr-1712	273	7	for	for	ADP
cblr-1712	273	8	consumer	consumer	NOUN
cblr-1712	273	9	debtors	debtor	NOUN
cblr-1712	273	10	.	.	PUNCT
cblr-1712	274	1	it	it	PRON
cblr-1712	274	2	bars	bar	VERB
cblr-1712	274	3	a	a	DET
cblr-1712	274	4	variety	variety	NOUN
cblr-1712	274	5	of	of	ADP
cblr-1712	274	6	abusive	abusive	ADJ
cblr-1712	274	7	debt	debt	NOUN
cblr-1712	274	8	collector	collector	NOUN
cblr-1712	274	9	practices	practice	NOUN
cblr-1712	274	10	,	,	PUNCT
cblr-1712	274	11	such	such	ADJ
cblr-1712	274	12	as	as	ADP
cblr-1712	274	13	dunning	dun	VERB
cblr-1712	274	14	consumers	consumer	NOUN
cblr-1712	274	15	on	on	ADP
cblr-1712	274	16	time	time	NOUN
cblr-1712	274	17	68	68	NUM
cblr-1712	274	18	see	see	NOUN
cblr-1712	274	19	infra	infra	NOUN
cblr-1712	274	20	text	text	NOUN
cblr-1712	274	21	accompanying	accompanying	ADJ
cblr-1712	274	22	notes	note	NOUN
cblr-1712	274	23	128–39	128–39	NUM
cblr-1712	274	24	.	.	PUNCT
cblr-1712	275	1	johnston	johnston	PROPN
cblr-1712	275	2	–	–	PUNCT
cblr-1712	275	3	final	final	ADJ
cblr-1712	275	4	24	24	NUM
cblr-1712	275	5	columbia	columbia	PROPN
cblr-1712	275	6	business	business	NOUN
cblr-1712	275	7	law	law	PROPN
cblr-1712	275	8	review	review	NOUN
cblr-1712	275	9	[	[	X
cblr-1712	275	10	vol	vol	NOUN
cblr-1712	275	11	.	.	NOUN
cblr-1712	275	12	2017	2017	NUM
cblr-1712	275	13	barred	bar	VERB
cblr-1712	275	14	debts	debt	NOUN
cblr-1712	275	15	without	without	ADP
cblr-1712	275	16	disclosure	disclosure	NOUN
cblr-1712	275	17	of	of	ADP
cblr-1712	275	18	that	that	DET
cblr-1712	275	19	fact	fact	NOUN
cblr-1712	275	20	,	,	PUNCT
cblr-1712	275	21	making	make	VERB
cblr-1712	275	22	harassing	harass	VERB
cblr-1712	275	23	phone	phone	NOUN
cblr-1712	275	24	calls	call	NOUN
cblr-1712	275	25	(	(	PUNCT
cblr-1712	275	26	sometimes	sometimes	ADV
cblr-1712	275	27	using	use	VERB
cblr-1712	275	28	auto	auto	NOUN
cblr-1712	275	29	-	-	PUNCT
cblr-1712	275	30	dial	dial	NOUN
cblr-1712	275	31	and	and	CCONJ
cblr-1712	275	32	prerecorded	prerecord	VERB
cblr-1712	275	33	messages	message	NOUN
cblr-1712	275	34	)	)	PUNCT
cblr-1712	275	35	attempting	attempt	VERB
cblr-1712	275	36	to	to	PART
cblr-1712	275	37	collect	collect	VERB
cblr-1712	275	38	debts	debt	NOUN
cblr-1712	275	39	,	,	PUNCT
cblr-1712	275	40	using	use	VERB
cblr-1712	275	41	false	false	ADJ
cblr-1712	275	42	and	and	CCONJ
cblr-1712	275	43	misleading	misleading	ADJ
cblr-1712	275	44	information	information	NOUN
cblr-1712	275	45	about	about	ADP
cblr-1712	275	46	the	the	DET
cblr-1712	275	47	balance	balance	NOUN
cblr-1712	275	48	of	of	ADP
cblr-1712	275	49	the	the	DET
cblr-1712	275	50	debt	debt	NOUN
cblr-1712	275	51	,	,	PUNCT
cblr-1712	275	52	and	and	CCONJ
cblr-1712	275	53	attempting	attempt	VERB
cblr-1712	275	54	to	to	PART
cblr-1712	275	55	embarrass	embarrass	VERB
cblr-1712	275	56	debtors	debtor	NOUN
cblr-1712	275	57	by	by	ADP
cblr-1712	275	58	calling	call	VERB
cblr-1712	275	59	third	third	ADJ
cblr-1712	275	60	parties	party	NOUN
cblr-1712	275	61	.	.	PUNCT
cblr-1712	276	1	second	second	ADJ
cblr-1712	276	2	,	,	PUNCT
cblr-1712	276	3	cases	case	NOUN
cblr-1712	276	4	brought	bring	VERB
cblr-1712	276	5	under	under	ADP
cblr-1712	276	6	the	the	DET
cblr-1712	276	7	tcpa69	tcpa69	NOUN
cblr-1712	276	8	allege	allege	NOUN
cblr-1712	276	9	that	that	SCONJ
cblr-1712	276	10	the	the	DET
cblr-1712	276	11	defendant	defendant	NOUN
cblr-1712	276	12	sent	send	VERB
cblr-1712	276	13	unauthorized	unauthorized	ADJ
cblr-1712	276	14	and	and	CCONJ
cblr-1712	276	15	unsolicited	unsolicited	ADJ
cblr-1712	276	16	automated	automated	ADJ
cblr-1712	276	17	text	text	NOUN
cblr-1712	276	18	messages	message	NOUN
cblr-1712	276	19	,	,	PUNCT
cblr-1712	276	20	phone	phone	NOUN
cblr-1712	276	21	calls	call	NOUN
cblr-1712	276	22	,	,	PUNCT
cblr-1712	276	23	or	or	CCONJ
cblr-1712	276	24	emails	email	NOUN
cblr-1712	276	25	to	to	ADP
cblr-1712	276	26	the	the	DET
cblr-1712	276	27	plaintiffs	plaintiff	NOUN
cblr-1712	276	28	’	’	PART
cblr-1712	276	29	cell	cell	NOUN
cblr-1712	276	30	phones	phone	NOUN
cblr-1712	276	31	or	or	CCONJ
cblr-1712	276	32	sent	send	VERB
cblr-1712	276	33	one	one	NUM
cblr-1712	276	34	or	or	CCONJ
cblr-1712	276	35	more	more	ADV
cblr-1712	276	36	unauthorized	unauthorized	ADJ
cblr-1712	276	37	faxes	fax	NOUN
cblr-1712	276	38	.	.	PUNCT
cblr-1712	277	1	plaintiffs	plaintiff	NOUN
cblr-1712	277	2	allege	allege	VERB
cblr-1712	277	3	that	that	SCONJ
cblr-1712	277	4	defendants	defendant	NOUN
cblr-1712	277	5	initiated	initiate	VERB
cblr-1712	277	6	contact	contact	NOUN
cblr-1712	277	7	with	with	ADP
cblr-1712	277	8	plaintiffs	plaintiff	NOUN
cblr-1712	277	9	either	either	CCONJ
cblr-1712	277	10	as	as	ADP
cblr-1712	277	11	part	part	NOUN
cblr-1712	277	12	of	of	ADP
cblr-1712	277	13	a	a	DET
cblr-1712	277	14	debt	debt	NOUN
cblr-1712	277	15	collection	collection	NOUN
cblr-1712	277	16	process	process	NOUN
cblr-1712	277	17	or	or	CCONJ
cblr-1712	277	18	as	as	ADP
cblr-1712	277	19	part	part	NOUN
cblr-1712	277	20	of	of	ADP
cblr-1712	277	21	a	a	DET
cblr-1712	277	22	telemarketing	telemarketing	NOUN
cblr-1712	277	23	program	program	NOUN
cblr-1712	277	24	.	.	PUNCT
cblr-1712	278	1	third	third	ADJ
cblr-1712	278	2	,	,	PUNCT
cblr-1712	278	3	cases	case	NOUN
cblr-1712	278	4	brought	bring	VERB
cblr-1712	278	5	under	under	ADP
cblr-1712	278	6	the	the	DET
cblr-1712	278	7	efta	efta	NOUN
cblr-1712	278	8	allege	allege	NOUN
cblr-1712	278	9	that	that	SCONJ
cblr-1712	278	10	the	the	DET
cblr-1712	278	11	defendant	defendant	NOUN
cblr-1712	278	12	failed	fail	VERB
cblr-1712	278	13	to	to	PART
cblr-1712	278	14	post	post	VERB
cblr-1712	278	15	a	a	DET
cblr-1712	278	16	physical	physical	ADJ
cblr-1712	278	17	notice	notice	NOUN
cblr-1712	278	18	of	of	ADP
cblr-1712	278	19	the	the	DET
cblr-1712	278	20	fees	fee	NOUN
cblr-1712	278	21	charged	charge	VERB
cblr-1712	278	22	for	for	ADP
cblr-1712	278	23	use	use	NOUN
cblr-1712	278	24	of	of	ADP
cblr-1712	278	25	an	an	DET
cblr-1712	278	26	automated	automate	VERB
cblr-1712	278	27	teller	teller	NOUN
cblr-1712	278	28	machine	machine	NOUN
cblr-1712	278	29	(	(	PUNCT
cblr-1712	278	30	“	"	PUNCT
cblr-1712	278	31	atm	atm	PROPN
cblr-1712	278	32	”	"	PUNCT
cblr-1712	278	33	)	)	PUNCT
cblr-1712	278	34	.	.	PUNCT
cblr-1712	279	1	finally	finally	ADV
cblr-1712	279	2	,	,	PUNCT
cblr-1712	279	3	cases	case	NOUN
cblr-1712	279	4	brought	bring	VERB
cblr-1712	279	5	under	under	ADP
cblr-1712	279	6	the	the	DET
cblr-1712	279	7	fcra70	fcra70	NOUN
cblr-1712	279	8	most	most	ADV
cblr-1712	279	9	commonly	commonly	ADV
cblr-1712	279	10	allege	allege	NOUN
cblr-1712	279	11	that	that	SCONJ
cblr-1712	279	12	the	the	DET
cblr-1712	279	13	defendant	defendant	NOUN
cblr-1712	279	14	printed	print	VERB
cblr-1712	279	15	out	out	ADP
cblr-1712	279	16	the	the	DET
cblr-1712	279	17	expiration	expiration	NOUN
cblr-1712	279	18	date	date	NOUN
cblr-1712	279	19	of	of	ADP
cblr-1712	279	20	a	a	DET
cblr-1712	279	21	credit	credit	NOUN
cblr-1712	279	22	card	card	NOUN
cblr-1712	279	23	on	on	ADP
cblr-1712	279	24	a	a	DET
cblr-1712	279	25	retail	retail	ADJ
cblr-1712	279	26	receipt	receipt	NOUN
cblr-1712	279	27	,	,	PUNCT
cblr-1712	279	28	a	a	DET
cblr-1712	279	29	violation	violation	NOUN
cblr-1712	279	30	of	of	ADP
cblr-1712	279	31	fcra	fcra	NOUN
cblr-1712	279	32	’s	’s	PART
cblr-1712	279	33	privacy	privacy	NOUN
cblr-1712	279	34	protection	protection	NOUN
cblr-1712	279	35	provisions	provision	NOUN
cblr-1712	279	36	.	.	PUNCT
cblr-1712	280	1	frca	frca	PROPN
cblr-1712	280	2	cases	case	NOUN
cblr-1712	280	3	also	also	ADV
cblr-1712	280	4	involve	involve	VERB
cblr-1712	280	5	alleged	alleged	ADJ
cblr-1712	280	6	violations	violation	NOUN
cblr-1712	280	7	in	in	ADP
cblr-1712	280	8	the	the	DET
cblr-1712	280	9	use	use	NOUN
cblr-1712	280	10	of	of	ADP
cblr-1712	280	11	an	an	DET
cblr-1712	280	12	employment	employment	NOUN
cblr-1712	280	13	background	background	NOUN
cblr-1712	280	14	check	check	NOUN
cblr-1712	280	15	report	report	NOUN
cblr-1712	280	16	(	(	PUNCT
cblr-1712	280	17	a	a	DET
cblr-1712	280	18	consumer	consumer	NOUN
cblr-1712	280	19	report	report	NOUN
cblr-1712	280	20	under	under	ADP
cblr-1712	280	21	fcra	fcra	NOUN
cblr-1712	280	22	)	)	PUNCT
cblr-1712	280	23	and	and	CCONJ
cblr-1712	280	24	,	,	PUNCT
cblr-1712	280	25	less	less	ADV
cblr-1712	280	26	often	often	ADV
cblr-1712	280	27	,	,	PUNCT
cblr-1712	280	28	an	an	DET
cblr-1712	280	29	allegation	allegation	NOUN
cblr-1712	280	30	that	that	SCONJ
cblr-1712	280	31	information	information	NOUN
cblr-1712	280	32	was	be	AUX
cblr-1712	280	33	disclosed	disclose	VERB
cblr-1712	280	34	in	in	ADP
cblr-1712	280	35	violation	violation	NOUN
cblr-1712	280	36	of	of	ADP
cblr-1712	280	37	the	the	DET
cblr-1712	280	38	fcra	fcra	NOUN
cblr-1712	280	39	’s	’s	PART
cblr-1712	280	40	statutory	statutory	ADJ
cblr-1712	280	41	privacy	privacy	NOUN
cblr-1712	280	42	protections	protection	NOUN
cblr-1712	280	43	.	.	PUNCT
cblr-1712	281	1	putting	put	VERB
cblr-1712	281	2	aside	aside	ADP
cblr-1712	281	3	the	the	DET
cblr-1712	281	4	category	category	NOUN
cblr-1712	281	5	of	of	ADP
cblr-1712	281	6	“	"	PUNCT
cblr-1712	281	7	non	non	ADJ
cblr-1712	281	8	-	-	ADJ
cblr-1712	281	9	fcra	fcra	ADJ
cblr-1712	281	10	privacy,”71	privacy,”71	NOUN
cblr-1712	281	11	by	by	ADP
cblr-1712	281	12	february	february	PROPN
cblr-1712	281	13	2016	2016	NUM
cblr-1712	281	14	,	,	PUNCT
cblr-1712	281	15	most	most	ADJ
cblr-1712	281	16	cases—338	cases—338	NOUN
cblr-1712	281	17	out	out	ADP
cblr-1712	281	18	of	of	ADP
cblr-1712	281	19	365	365	NUM
cblr-1712	281	20	or	or	CCONJ
cblr-1712	281	21	93%—filed	93%—filed	NUM
cblr-1712	281	22	under	under	ADP
cblr-1712	281	23	the	the	DET
cblr-1712	281	24	four	four	NUM
cblr-1712	281	25	main	main	ADJ
cblr-1712	281	26	federal	federal	ADJ
cblr-1712	281	27	consumer	consumer	NOUN
cblr-1712	281	28	protection	protection	NOUN
cblr-1712	281	29	statutes	statute	NOUN
cblr-1712	281	30	(	(	PUNCT
cblr-1712	281	31	fdcpa	fdcpa	NOUN
cblr-1712	281	32	,	,	PUNCT
cblr-1712	281	33	tcpa	tcpa	NOUN
cblr-1712	281	34	,	,	PUNCT
cblr-1712	281	35	fcra	fcra	NOUN
cblr-1712	281	36	,	,	PUNCT
cblr-1712	281	37	and	and	CCONJ
cblr-1712	281	38	efta	efta	NOUN
cblr-1712	281	39	)	)	PUNCT
cblr-1712	281	40	had	have	AUX
cblr-1712	281	41	terminated	terminate	VERB
cblr-1712	281	42	.	.	PUNCT
cblr-1712	282	1	the	the	DET
cblr-1712	282	2	distribution	distribution	NOUN
cblr-1712	282	3	of	of	ADP
cblr-1712	282	4	outcomes	outcome	NOUN
cblr-1712	282	5	under	under	ADP
cblr-1712	282	6	these	these	DET
cblr-1712	282	7	four	four	NUM
cblr-1712	282	8	,	,	PUNCT
cblr-1712	282	9	primary	primary	ADJ
cblr-1712	282	10	federal	federal	ADJ
cblr-1712	282	11	consumer	consumer	NOUN
cblr-1712	282	12	protection	protection	NOUN
cblr-1712	282	13	statutes	statute	NOUN
cblr-1712	282	14	is	be	AUX
cblr-1712	282	15	depicted	depict	VERB
cblr-1712	282	16	in	in	ADP
cblr-1712	282	17	table	table	NOUN
cblr-1712	282	18	1	1	NUM
cblr-1712	282	19	and	and	CCONJ
cblr-1712	282	20	graphically	graphically	ADV
cblr-1712	282	21	in	in	ADP
cblr-1712	282	22	figure	figure	NOUN
cblr-1712	282	23	2	2	NUM
cblr-1712	282	24	below	below	ADV
cblr-1712	282	25	.	.	PUNCT
cblr-1712	283	1	69	69	NUM
cblr-1712	283	2	see	see	VERB
cblr-1712	283	3	infra	infra	NOUN
cblr-1712	283	4	text	text	NOUN
cblr-1712	283	5	accompanying	accompanying	ADJ
cblr-1712	283	6	notes	note	NOUN
cblr-1712	283	7	140–42	140–42	NUM
cblr-1712	283	8	.	.	PROPN
cblr-1712	283	9	70	70	NUM
cblr-1712	283	10	see	see	VERB
cblr-1712	283	11	infra	infra	NOUN
cblr-1712	283	12	text	text	NOUN
cblr-1712	283	13	accompanying	accompany	VERB
cblr-1712	283	14	notes	note	NOUN
cblr-1712	283	15	104–27	104–27	NUM
cblr-1712	283	16	.	.	PUNCT
cblr-1712	283	17	71	71	NUM
cblr-1712	283	18	as	as	SCONJ
cblr-1712	283	19	there	there	PRON
cblr-1712	283	20	were	be	VERB
cblr-1712	283	21	only	only	ADV
cblr-1712	283	22	12	12	NUM
cblr-1712	283	23	privacy	privacy	NOUN
cblr-1712	283	24	violation	violation	NOUN
cblr-1712	283	25	cases	case	NOUN
cblr-1712	283	26	arising	arise	VERB
cblr-1712	283	27	under	under	ADP
cblr-1712	283	28	various	various	ADJ
cblr-1712	283	29	federal	federal	ADJ
cblr-1712	283	30	privacy	privacy	NOUN
cblr-1712	283	31	protection	protection	NOUN
cblr-1712	283	32	statutes	statute	NOUN
cblr-1712	283	33	,	,	PUNCT
cblr-1712	283	34	those	those	DET
cblr-1712	283	35	cases	case	NOUN
cblr-1712	283	36	will	will	AUX
cblr-1712	283	37	be	be	AUX
cblr-1712	283	38	discussed	discuss	VERB
cblr-1712	283	39	in	in	ADP
cblr-1712	283	40	a	a	DET
cblr-1712	283	41	separate	separate	ADJ
cblr-1712	283	42	paper	paper	NOUN
cblr-1712	283	43	on	on	ADP
cblr-1712	283	44	consumer	consumer	NOUN
cblr-1712	283	45	privacy	privacy	NOUN
cblr-1712	283	46	class	class	NOUN
cblr-1712	283	47	actions	action	NOUN
cblr-1712	283	48	under	under	ADP
cblr-1712	283	49	both	both	CCONJ
cblr-1712	283	50	state	state	NOUN
cblr-1712	283	51	and	and	CCONJ
cblr-1712	283	52	federal	federal	ADJ
cblr-1712	283	53	law	law	NOUN
cblr-1712	283	54	.	.	PUNCT
cblr-1712	284	1	johnston	johnston	PROPN
cblr-1712	284	2	–	–	PUNCT
cblr-1712	284	3	final	final	ADJ
cblr-1712	284	4	no	no	NOUN
cblr-1712	284	5	.	.	NOUN
cblr-1712	284	6	1:1	1:1	NUM
cblr-1712	284	7	]	]	X
cblr-1712	284	8	high	high	ADJ
cblr-1712	284	9	cost	cost	NOUN
cblr-1712	284	10	,	,	PUNCT
cblr-1712	284	11	little	little	ADJ
cblr-1712	284	12	compensation	compensation	NOUN
cblr-1712	284	13	25	25	NUM
cblr-1712	284	14	table	table	NOUN
cblr-1712	284	15	1	1	NUM
cblr-1712	284	16	.	.	PUNCT
cblr-1712	285	1	outcome	outcome	NOUN
cblr-1712	285	2	probabilities	probability	NOUN
cblr-1712	285	3	by	by	ADP
cblr-1712	285	4	statutory	statutory	ADJ
cblr-1712	285	5	case	case	NOUN
cblr-1712	285	6	type	type	NOUN
cblr-1712	285	7	case	case	NOUN
cblr-1712	285	8	type	type	NOUN
cblr-1712	285	9	total	total	ADJ
cblr-1712	285	10	resolved	resolve	VERB
cblr-1712	285	11	cases	case	NOUN
cblr-1712	285	12	class	class	NOUN
cblr-1712	285	13	settlement	settlement	NOUN
cblr-1712	285	14	individual	individual	ADJ
cblr-1712	285	15	settlement	settlement	NOUN
cblr-1712	285	16	dismissed	dismiss	VERB
cblr-1712	285	17	without	without	ADP
cblr-1712	285	18	prejudice	prejudice	NOUN
cblr-1712	285	19	defendant	defendant	NOUN
cblr-1712	285	20	victory	victory	NOUN
cblr-1712	285	21	plaintiff	plaintiff	NOUN
cblr-1712	285	22	victory	victory	NOUN
cblr-1712	285	23	tcpa	tcpa	NOUN
cblr-1712	285	24	113	113	NUM
cblr-1712	285	25	.28	.28	NUM
cblr-1712	285	26	.51	.51	NUM
cblr-1712	285	27	.15	.15	NUM
cblr-1712	285	28	.06	.06	NUM
cblr-1712	285	29	.00	.00	NUM
cblr-1712	285	30	fcra	fcra	NOUN
cblr-1712	285	31	51	51	NUM
cblr-1712	285	32	.37	.37	NUM
cblr-1712	285	33	.50	.50	NUM
cblr-1712	285	34	.06	.06	NUM
cblr-1712	285	35	.06	.06	NUM
cblr-1712	285	36	.00	.00	NUM
cblr-1712	285	37	fdcpa	fdcpa	NOUN
cblr-1712	285	38	122	122	NUM
cblr-1712	285	39	.21	.21	NUM
cblr-1712	285	40	.70	.70	NUM
cblr-1712	285	41	.06	.06	NUM
cblr-1712	285	42	.02	.02	NUM
cblr-1712	285	43	.01	.01	NUM
cblr-1712	285	44	efta	efta	NOUN
cblr-1712	285	45	43	43	NUM
cblr-1712	285	46	.19	.19	NUM
cblr-1712	285	47	.59	.59	NUM
cblr-1712	285	48	.00	.00	NUM
cblr-1712	285	49	.20	.20	NUM
cblr-1712	285	50	.02	.02	NUM
cblr-1712	285	51	table	table	NOUN
cblr-1712	285	52	1	1	NUM
cblr-1712	285	53	shows	show	VERB
cblr-1712	285	54	substantial	substantial	ADJ
cblr-1712	285	55	variation	variation	NOUN
cblr-1712	285	56	across	across	ADP
cblr-1712	285	57	case	case	NOUN
cblr-1712	285	58	types	type	NOUN
cblr-1712	285	59	in	in	ADP
cblr-1712	285	60	the	the	DET
cblr-1712	285	61	relative	relative	ADJ
cblr-1712	285	62	frequency	frequency	NOUN
cblr-1712	285	63	of	of	ADP
cblr-1712	285	64	each	each	DET
cblr-1712	285	65	outcome	outcome	NOUN
cblr-1712	285	66	.	.	PUNCT
cblr-1712	286	1	as	as	SCONJ
cblr-1712	286	2	explored	explore	VERB
cblr-1712	286	3	in	in	ADP
cblr-1712	286	4	the	the	DET
cblr-1712	286	5	substantive	substantive	ADJ
cblr-1712	286	6	discussion	discussion	NOUN
cblr-1712	286	7	below	below	ADP
cblr-1712	286	8	,	,	PUNCT
cblr-1712	286	9	this	this	DET
cblr-1712	286	10	variation	variation	NOUN
cblr-1712	286	11	is	be	AUX
cblr-1712	286	12	largely	largely	ADV
cblr-1712	286	13	due	due	ADJ
cblr-1712	286	14	to	to	ADP
cblr-1712	286	15	differences	difference	NOUN
cblr-1712	286	16	in	in	ADP
cblr-1712	286	17	statutory	statutory	ADJ
cblr-1712	286	18	causes	cause	NOUN
cblr-1712	286	19	of	of	ADP
cblr-1712	286	20	action	action	NOUN
cblr-1712	286	21	.	.	PUNCT
cblr-1712	287	1	however	however	ADV
cblr-1712	287	2	,	,	PUNCT
cblr-1712	287	3	for	for	ADP
cblr-1712	287	4	the	the	DET
cblr-1712	287	5	only	only	ADV
cblr-1712	287	6	three	three	NUM
cblr-1712	287	7	statutory	statutory	ADJ
cblr-1712	287	8	claim	claim	NOUN
cblr-1712	287	9	types	type	NOUN
cblr-1712	287	10	that	that	PRON
cblr-1712	287	11	still	still	ADV
cblr-1712	287	12	exist	exist	VERB
cblr-1712	287	13	today,72	today,72	NOUN
cblr-1712	287	14	between	between	ADP
cblr-1712	287	15	87	87	NUM
cblr-1712	287	16	%	%	NOUN
cblr-1712	287	17	and	and	CCONJ
cblr-1712	287	18	93	93	NUM
cblr-1712	287	19	%	%	NOUN
cblr-1712	287	20	of	of	ADP
cblr-1712	287	21	all	all	DET
cblr-1712	287	22	claims	claim	NOUN
cblr-1712	287	23	are	be	AUX
cblr-1712	287	24	resolved	resolve	VERB
cblr-1712	287	25	in	in	ADP
cblr-1712	287	26	either	either	CCONJ
cblr-1712	287	27	an	an	DET
cblr-1712	287	28	individual	individual	ADJ
cblr-1712	287	29	or	or	CCONJ
cblr-1712	287	30	class	class	NOUN
cblr-1712	287	31	settlement	settlement	NOUN
cblr-1712	287	32	.	.	PUNCT
cblr-1712	288	1	such	such	ADJ
cblr-1712	288	2	high	high	ADJ
cblr-1712	288	3	settlement	settlement	NOUN
cblr-1712	288	4	rates	rate	NOUN
cblr-1712	288	5	are	be	AUX
cblr-1712	288	6	indicative	indicative	ADJ
cblr-1712	288	7	of	of	ADP
cblr-1712	288	8	civil	civil	ADJ
cblr-1712	288	9	litigation	litigation	NOUN
cblr-1712	288	10	generally	generally	ADV
cblr-1712	288	11	.	.	PUNCT
cblr-1712	289	1	however	however	ADV
cblr-1712	289	2	,	,	PUNCT
cblr-1712	289	3	in	in	ADP
cblr-1712	289	4	another	another	DET
cblr-1712	289	5	respect	respect	NOUN
cblr-1712	289	6	,	,	PUNCT
cblr-1712	289	7	they	they	PRON
cblr-1712	289	8	seem	seem	VERB
cblr-1712	289	9	very	very	ADV
cblr-1712	289	10	different	different	ADJ
cblr-1712	289	11	.	.	PUNCT
cblr-1712	290	1	in	in	ADP
cblr-1712	290	2	only	only	ADV
cblr-1712	290	3	four	four	NUM
cblr-1712	290	4	cases	case	NOUN
cblr-1712	290	5	did	do	AUX
cblr-1712	290	6	the	the	DET
cblr-1712	290	7	plaintiff	plaintiff	NOUN
cblr-1712	290	8	achieve	achieve	VERB
cblr-1712	290	9	a	a	DET
cblr-1712	290	10	judgment	judgment	NOUN
cblr-1712	290	11	in	in	ADP
cblr-1712	290	12	its	its	PRON
cblr-1712	290	13	favor	favor	NOUN
cblr-1712	290	14	(	(	PUNCT
cblr-1712	290	15	two	two	NUM
cblr-1712	290	16	tcpa	tcpa	NOUN
cblr-1712	290	17	cases	case	NOUN
cblr-1712	290	18	,	,	PUNCT
cblr-1712	290	19	one	one	NUM
cblr-1712	290	20	fdcpa	fdcpa	NOUN
cblr-1712	290	21	case	case	NOUN
cblr-1712	290	22	,	,	PUNCT
cblr-1712	290	23	and	and	CCONJ
cblr-1712	290	24	one	one	NUM
cblr-1712	290	25	efta	efta	NOUN
cblr-1712	290	26	case	case	NOUN
cblr-1712	290	27	)	)	PUNCT
cblr-1712	290	28	.	.	PUNCT
cblr-1712	291	1	all	all	PRON
cblr-1712	291	2	of	of	ADP
cblr-1712	291	3	these	these	DET
cblr-1712	291	4	cases	case	NOUN
cblr-1712	291	5	were	be	AUX
cblr-1712	291	6	default	default	NOUN
cblr-1712	291	7	judgments	judgment	NOUN
cblr-1712	291	8	.	.	PUNCT
cblr-1712	292	1	in	in	ADP
cblr-1712	292	2	this	this	DET
cblr-1712	292	3	sample	sample	NOUN
cblr-1712	292	4	,	,	PUNCT
cblr-1712	292	5	plaintiffs	plaintiff	NOUN
cblr-1712	292	6	never	never	ADV
cblr-1712	292	7	actually	actually	ADV
cblr-1712	292	8	had	have	VERB
cblr-1712	292	9	their	their	PRON
cblr-1712	292	10	substantive	substantive	ADJ
cblr-1712	292	11	claim	claim	NOUN
cblr-1712	292	12	adjudicated	adjudicate	VERB
cblr-1712	292	13	on	on	ADP
cblr-1712	292	14	the	the	DET
cblr-1712	292	15	merits	merit	NOUN
cblr-1712	292	16	by	by	ADP
cblr-1712	292	17	a	a	DET
cblr-1712	292	18	judge	judge	NOUN
cblr-1712	292	19	or	or	CCONJ
cblr-1712	292	20	jury	jury	NOUN
cblr-1712	292	21	.	.	PUNCT
cblr-1712	293	1	finally	finally	ADV
cblr-1712	293	2	,	,	PUNCT
cblr-1712	293	3	defendant	defendant	NOUN
cblr-1712	293	4	victories	victory	NOUN
cblr-1712	293	5	were	be	AUX
cblr-1712	293	6	judgments	judgment	NOUN
cblr-1712	293	7	on	on	ADP
cblr-1712	293	8	federal	federal	ADJ
cblr-1712	293	9	rule	rule	NOUN
cblr-1712	293	10	of	of	ADP
cblr-1712	293	11	civil	civil	ADJ
cblr-1712	293	12	procedure	procedure	NOUN
cblr-1712	293	13	(	(	PUNCT
cblr-1712	293	14	“	"	PUNCT
cblr-1712	293	15	frcp	frcp	NOUN
cblr-1712	293	16	”	"	PUNCT
cblr-1712	293	17	)	)	PUNCT
cblr-1712	293	18	12(b)(6	12(b)(6	NUM
cblr-1712	293	19	)	)	PUNCT
cblr-1712	293	20	motions	motion	NOUN
cblr-1712	293	21	to	to	PART
cblr-1712	293	22	dismiss	dismiss	VERB
cblr-1712	293	23	or	or	CCONJ
cblr-1712	293	24	on	on	ADP
cblr-1712	293	25	motions	motion	NOUN
cblr-1712	293	26	for	for	ADP
cblr-1712	293	27	summary	summary	NOUN
cblr-1712	293	28	judgment	judgment	NOUN
cblr-1712	293	29	.	.	PUNCT
cblr-1712	294	1	in	in	ADP
cblr-1712	294	2	roughly	roughly	ADV
cblr-1712	294	3	370	370	NUM
cblr-1712	294	4	resolved	resolved	ADJ
cblr-1712	294	5	cases	case	NOUN
cblr-1712	294	6	discussed	discuss	VERB
cblr-1712	294	7	in	in	ADP
cblr-1712	294	8	this	this	DET
cblr-1712	294	9	paper	paper	NOUN
cblr-1712	294	10	,	,	PUNCT
cblr-1712	294	11	no	no	DET
cblr-1712	294	12	case	case	NOUN
cblr-1712	294	13	ever	ever	ADV
cblr-1712	294	14	went	go	VERB
cblr-1712	294	15	to	to	ADP
cblr-1712	294	16	trial	trial	NOUN
cblr-1712	294	17	before	before	ADP
cblr-1712	294	18	a	a	DET
cblr-1712	294	19	judge	judge	NOUN
cblr-1712	294	20	or	or	CCONJ
cblr-1712	294	21	jury	jury	NOUN
cblr-1712	294	22	.	.	PUNCT
cblr-1712	295	1	72	72	NUM
cblr-1712	295	2	see	see	NOUN
cblr-1712	295	3	infra	infra	NOUN
cblr-1712	295	4	,	,	PUNCT
cblr-1712	295	5	section	section	NOUN
cblr-1712	295	6	ii.b	ii.b	PROPN
cblr-1712	295	7	.	.	PUNCT
cblr-1712	296	1	for	for	ADP
cblr-1712	296	2	a	a	DET
cblr-1712	296	3	discussion	discussion	NOUN
cblr-1712	296	4	of	of	ADP
cblr-1712	296	5	congress	congress	PROPN
cblr-1712	296	6	’	'	PUNCT
cblr-1712	296	7	elimination	elimination	NOUN
cblr-1712	296	8	of	of	ADP
cblr-1712	296	9	the	the	DET
cblr-1712	296	10	atm	atm	NOUN
cblr-1712	296	11	notice	notice	NOUN
cblr-1712	296	12	failures	failure	NOUN
cblr-1712	296	13	as	as	ADP
cblr-1712	296	14	a	a	DET
cblr-1712	296	15	cause	cause	NOUN
cblr-1712	296	16	of	of	ADP
cblr-1712	296	17	action	action	NOUN
cblr-1712	296	18	under	under	ADP
cblr-1712	296	19	the	the	DET
cblr-1712	296	20	efta	efta	NOUN
cblr-1712	296	21	.	.	PUNCT
cblr-1712	297	1	johnston	johnston	PROPN
cblr-1712	297	2	–	–	PUNCT
cblr-1712	297	3	final	final	ADJ
cblr-1712	297	4	26	26	NUM
cblr-1712	297	5	columbia	columbia	PROPN
cblr-1712	297	6	business	business	NOUN
cblr-1712	297	7	law	law	PROPN
cblr-1712	297	8	review	review	NOUN
cblr-1712	297	9	[	[	X
cblr-1712	297	10	vol	vol	NOUN
cblr-1712	297	11	.	.	PUNCT
cblr-1712	297	12	2017	2017	NUM
cblr-1712	297	13	figure	figure	NOUN
cblr-1712	297	14	2	2	NUM
cblr-1712	297	15	.	.	NOUN
cblr-1712	297	16	outcome	outcome	NOUN
cblr-1712	297	17	frequency	frequency	NOUN
cblr-1712	297	18	across	across	ADP
cblr-1712	297	19	different	different	ADJ
cblr-1712	297	20	statutory	statutory	ADJ
cblr-1712	297	21	case	case	NOUN
cblr-1712	297	22	types	type	NOUN
cblr-1712	297	23	0	0	NUM
cblr-1712	297	24	10	10	NUM
cblr-1712	297	25	20	20	NUM
cblr-1712	297	26	30	30	NUM
cblr-1712	297	27	40	40	NUM
cblr-1712	297	28	50	50	NUM
cblr-1712	297	29	rela%ve	rela%ve	NOUN
cblr-1712	297	30	frequency	frequency	NOUN
cblr-1712	297	31	outcome	outcome	NOUN
cblr-1712	297	32	tcpa	tcpa	NOUN
cblr-1712	297	33	outcome	outcome	NOUN
cblr-1712	297	34	frequency	frequency	NOUN
cblr-1712	297	35	0	0	NUM
cblr-1712	297	36	10	10	NUM
cblr-1712	297	37	20	20	NUM
cblr-1712	297	38	30	30	NUM
cblr-1712	297	39	40	40	NUM
cblr-1712	297	40	50	50	NUM
cblr-1712	297	41	60	60	NUM
cblr-1712	297	42	70	70	NUM
cblr-1712	297	43	relative	relative	ADJ
cblr-1712	297	44	frequency	frequency	NOUN
cblr-1712	297	45	outcome	outcome	NOUN
cblr-1712	297	46	fdcpa	fdcpa	NOUN
cblr-1712	297	47	outcome	outcome	NOUN
cblr-1712	297	48	frequency	frequency	NOUN
cblr-1712	297	49	johnston	johnston	PROPN
cblr-1712	297	50	–	–	PUNCT
cblr-1712	297	51	final	final	ADJ
cblr-1712	297	52	no	no	NOUN
cblr-1712	297	53	.	.	NOUN
cblr-1712	297	54	1:1	1:1	NUM
cblr-1712	297	55	]	]	X
cblr-1712	297	56	high	high	ADJ
cblr-1712	297	57	cost	cost	NOUN
cblr-1712	297	58	,	,	PUNCT
cblr-1712	297	59	little	little	ADJ
cblr-1712	297	60	compensation	compensation	NOUN
cblr-1712	297	61	27	27	NUM
cblr-1712	297	62	0	0	NUM
cblr-1712	297	63	10	10	NUM
cblr-1712	297	64	20	20	NUM
cblr-1712	297	65	30	30	NUM
cblr-1712	297	66	40	40	NUM
cblr-1712	297	67	50	50	NUM
cblr-1712	297	68	rela%ve	rela%ve	NOUN
cblr-1712	297	69	frequency	frequency	NOUN
cblr-1712	297	70	outcome	outcome	NOUN
cblr-1712	297	71	fcra	fcra	NOUN
cblr-1712	297	72	outcome	outcome	NOUN
cblr-1712	297	73	frequencies	frequency	NOUN
cblr-1712	297	74	0	0	NUM
cblr-1712	297	75	10	10	NUM
cblr-1712	297	76	20	20	NUM
cblr-1712	297	77	30	30	NUM
cblr-1712	297	78	40	40	NUM
cblr-1712	297	79	50	50	NUM
cblr-1712	297	80	60	60	NUM
cblr-1712	297	81	relative	relative	ADJ
cblr-1712	297	82	frequency	frequency	NOUN
cblr-1712	297	83	outcome	outcome	NOUN
cblr-1712	297	84	efta	efta	NOUN
cblr-1712	297	85	outcome	outcome	NOUN
cblr-1712	297	86	frequency	frequency	NOUN
cblr-1712	297	87	johnston	johnston	PROPN
cblr-1712	297	88	–	–	PUNCT
cblr-1712	297	89	final	final	ADJ
cblr-1712	297	90	28	28	NUM
cblr-1712	297	91	columbia	columbia	PROPN
cblr-1712	297	92	business	business	NOUN
cblr-1712	297	93	law	law	PROPN
cblr-1712	297	94	review	review	NOUN
cblr-1712	298	1	[	[	X
cblr-1712	298	2	vol	vol	NOUN
cblr-1712	298	3	.	.	NOUN
cblr-1712	298	4	2017	2017	NUM
cblr-1712	298	5	b.	b.	NOUN
cblr-1712	298	6	lessons	lesson	NOUN
cblr-1712	298	7	from	from	ADP
cblr-1712	298	8	an	an	DET
cblr-1712	298	9	extinct	extinct	ADJ
cblr-1712	298	10	cause	cause	NOUN
cblr-1712	298	11	of	of	ADP
cblr-1712	298	12	action	action	NOUN
cblr-1712	298	13	:	:	PUNCT
cblr-1712	298	14	atm	atm	NOUN
cblr-1712	298	15	notice	notice	NOUN
cblr-1712	298	16	failures	failure	NOUN
cblr-1712	298	17	under	under	ADP
cblr-1712	298	18	the	the	DET
cblr-1712	298	19	efta	efta	NOUN
cblr-1712	298	20	in	in	ADP
cblr-1712	298	21	an	an	DET
cblr-1712	298	22	atm	atm	NOUN
cblr-1712	298	23	notice	notice	NOUN
cblr-1712	298	24	failure	failure	NOUN
cblr-1712	298	25	case	case	NOUN
cblr-1712	298	26	,	,	PUNCT
cblr-1712	298	27	the	the	DET
cblr-1712	298	28	plaintiff	plaintiff	NOUN
cblr-1712	298	29	alleges	allege	VERB
cblr-1712	298	30	that	that	SCONJ
cblr-1712	298	31	an	an	DET
cblr-1712	298	32	atm	atm	NOUN
cblr-1712	298	33	provider	provider	NOUN
cblr-1712	298	34	failed	fail	VERB
cblr-1712	298	35	to	to	PART
cblr-1712	298	36	post	post	VERB
cblr-1712	298	37	a	a	DET
cblr-1712	298	38	notice	notice	NOUN
cblr-1712	298	39	of	of	ADP
cblr-1712	298	40	the	the	DET
cblr-1712	298	41	fees	fee	NOUN
cblr-1712	298	42	charged	charge	VERB
cblr-1712	298	43	“	"	PUNCT
cblr-1712	298	44	on	on	ADP
cblr-1712	298	45	or	or	CCONJ
cblr-1712	298	46	at	at	ADP
cblr-1712	298	47	”	"	PUNCT
cblr-1712	298	48	an	an	DET
cblr-1712	298	49	atm	atm	NOUN
cblr-1712	298	50	as	as	SCONJ
cblr-1712	298	51	was	be	AUX
cblr-1712	298	52	then	then	ADV
cblr-1712	298	53	required	require	VERB
cblr-1712	298	54	by	by	ADP
cblr-1712	298	55	efta	efta	NOUN
cblr-1712	298	56	.	.	PUNCT
cblr-1712	299	1	as	as	SCONJ
cblr-1712	299	2	the	the	DET
cblr-1712	299	3	cfpb	cfpb	NOUN
cblr-1712	299	4	explained	explain	VERB
cblr-1712	299	5	in	in	ADP
cblr-1712	299	6	a	a	DET
cblr-1712	299	7	2013	2013	NUM
cblr-1712	299	8	rulemaking,73	rulemaking,73	NOUN
cblr-1712	299	9	congress	congress	NOUN
cblr-1712	299	10	amended	amend	VERB
cblr-1712	299	11	section	section	NOUN
cblr-1712	299	12	904(d)(3	904(d)(3	NOUN
cblr-1712	299	13	)	)	PUNCT
cblr-1712	299	14	of	of	ADP
cblr-1712	299	15	the	the	DET
cblr-1712	299	16	efta	efta	NOUN
cblr-1712	299	17	in	in	ADP
cblr-1712	299	18	1999	1999	NUM
cblr-1712	299	19	to	to	PART
cblr-1712	299	20	require	require	VERB
cblr-1712	299	21	notices	notice	NOUN
cblr-1712	299	22	of	of	ADP
cblr-1712	299	23	the	the	DET
cblr-1712	299	24	fee	fee	NOUN
cblr-1712	299	25	charged	charge	VERB
cblr-1712	299	26	to	to	ADP
cblr-1712	299	27	the	the	DET
cblr-1712	299	28	consumer	consumer	NOUN
cblr-1712	299	29	digitally	digitally	ADV
cblr-1712	299	30	on	on	ADP
cblr-1712	299	31	the	the	DET
cblr-1712	299	32	atm	atm	NOUN
cblr-1712	299	33	screen	screen	NOUN
cblr-1712	299	34	and	and	CCONJ
cblr-1712	299	35	“	"	PUNCT
cblr-1712	299	36	on	on	ADP
cblr-1712	299	37	or	or	CCONJ
cblr-1712	299	38	at	at	ADP
cblr-1712	299	39	”	"	PUNCT
cblr-1712	299	40	the	the	DET
cblr-1712	299	41	machine	machine	NOUN
cblr-1712	299	42	.	.	PUNCT
cblr-1712	300	1	the	the	DET
cblr-1712	300	2	“	"	PUNCT
cblr-1712	300	3	on	on	ADP
cblr-1712	300	4	or	or	CCONJ
cblr-1712	300	5	at	at	ADP
cblr-1712	300	6	”	"	PUNCT
cblr-1712	300	7	notice	notice	NOUN
cblr-1712	300	8	“	"	PUNCT
cblr-1712	300	9	usually	usually	ADV
cblr-1712	300	10	involved	involve	VERB
cblr-1712	300	11	a	a	DET
cblr-1712	300	12	sticker	sticker	NOUN
cblr-1712	300	13	placed	place	VERB
cblr-1712	300	14	on	on	ADP
cblr-1712	300	15	the	the	DET
cblr-1712	300	16	machine	machine	NOUN
cblr-1712	300	17	by	by	ADP
cblr-1712	300	18	the	the	DET
cblr-1712	300	19	atm	atm	NOUN
cblr-1712	300	20	operator	operator	NOUN
cblr-1712	300	21	.	.	PUNCT
cblr-1712	301	1	”74	”74	PROPN
cblr-1712	301	2	under	under	ADP
cblr-1712	301	3	efta	efta	PROPN
cblr-1712	301	4	section	section	NOUN
cblr-1712	301	5	916	916	NUM
cblr-1712	301	6	,	,	PUNCT
cblr-1712	301	7	failure	failure	NOUN
cblr-1712	301	8	to	to	PART
cblr-1712	301	9	provide	provide	VERB
cblr-1712	301	10	the	the	DET
cblr-1712	301	11	required	require	VERB
cblr-1712	301	12	notice	notice	NOUN
cblr-1712	301	13	could	could	AUX
cblr-1712	301	14	trigger	trigger	VERB
cblr-1712	301	15	liability	liability	NOUN
cblr-1712	301	16	in	in	ADP
cblr-1712	301	17	an	an	DET
cblr-1712	301	18	individual	individual	ADJ
cblr-1712	301	19	or	or	CCONJ
cblr-1712	301	20	class	class	NOUN
cblr-1712	301	21	action	action	NOUN
cblr-1712	301	22	for	for	ADP
cblr-1712	301	23	actual	actual	ADJ
cblr-1712	301	24	damages	damage	NOUN
cblr-1712	301	25	;	;	PUNCT
cblr-1712	301	26	costs	cost	NOUN
cblr-1712	301	27	and	and	CCONJ
cblr-1712	301	28	attorneys	attorney	NOUN
cblr-1712	301	29	’	'	PUNCT
cblr-1712	301	30	fees	fee	NOUN
cblr-1712	301	31	;	;	PUNCT
cblr-1712	301	32	and	and	CCONJ
cblr-1712	301	33	statutory	statutory	ADJ
cblr-1712	301	34	damages	damage	NOUN
cblr-1712	301	35	between	between	ADP
cblr-1712	301	36	$	$	SYM
cblr-1712	301	37	100	100	NUM
cblr-1712	301	38	and	and	CCONJ
cblr-1712	301	39	$	$	SYM
cblr-1712	301	40	1,000	1,000	NUM
cblr-1712	301	41	per	per	ADP
cblr-1712	301	42	plaintiff	plaintiff	NOUN
cblr-1712	301	43	without	without	ADP
cblr-1712	301	44	proof	proof	NOUN
cblr-1712	301	45	of	of	ADP
cblr-1712	301	46	harm.75	harm.75	PROPN
cblr-1712	301	47	under	under	ADP
cblr-1712	301	48	section	section	NOUN
cblr-1712	301	49	910(d	910(d	PROPN
cblr-1712	301	50	)	)	PUNCT
cblr-1712	301	51	,	,	PUNCT
cblr-1712	301	52	atm	atm	PROPN
cblr-1712	301	53	operators	operator	NOUN
cblr-1712	301	54	could	could	AUX
cblr-1712	301	55	escape	escape	VERB
cblr-1712	301	56	such	such	ADJ
cblr-1712	301	57	liability	liability	NOUN
cblr-1712	301	58	only	only	ADV
cblr-1712	301	59	if	if	SCONJ
cblr-1712	301	60	they	they	PRON
cblr-1712	301	61	could	could	AUX
cblr-1712	301	62	show	show	VERB
cblr-1712	301	63	that	that	SCONJ
cblr-1712	301	64	the	the	DET
cblr-1712	301	65	“	"	PUNCT
cblr-1712	301	66	on	on	ADP
cblr-1712	301	67	or	or	CCONJ
cblr-1712	301	68	at	at	ADP
cblr-1712	301	69	”	"	PUNCT
cblr-1712	301	70	atm	atm	NOUN
cblr-1712	301	71	notice	notice	NOUN
cblr-1712	301	72	had	have	AUX
cblr-1712	301	73	been	be	AUX
cblr-1712	301	74	damaged	damage	VERB
cblr-1712	301	75	or	or	CCONJ
cblr-1712	301	76	removed	remove	VERB
cblr-1712	301	77	by	by	ADP
cblr-1712	301	78	a	a	DET
cblr-1712	301	79	third	third	ADJ
cblr-1712	301	80	party.76	party.76	NOUN
cblr-1712	301	81	in	in	ADP
cblr-1712	301	82	december	december	PROPN
cblr-1712	301	83	2012	2012	NUM
cblr-1712	301	84	,	,	PUNCT
cblr-1712	301	85	congress	congress	PROPN
cblr-1712	301	86	voted	vote	VERB
cblr-1712	301	87	to	to	PART
cblr-1712	301	88	eliminate	eliminate	VERB
cblr-1712	301	89	the	the	DET
cblr-1712	301	90	atm	atm	NOUN
cblr-1712	301	91	“	"	PUNCT
cblr-1712	301	92	on	on	ADP
cblr-1712	301	93	or	or	CCONJ
cblr-1712	301	94	at	at	ADP
cblr-1712	301	95	”	"	PUNCT
cblr-1712	301	96	notice	notice	NOUN
cblr-1712	301	97	requirement	requirement	NOUN
cblr-1712	301	98	from	from	ADP
cblr-1712	301	99	the	the	DET
cblr-1712	301	100	efta.77	efta.77	PROPN
cblr-1712	301	101	as	as	ADP
cblr-1712	301	102	a	a	DET
cblr-1712	301	103	result	result	NOUN
cblr-1712	301	104	,	,	PUNCT
cblr-1712	301	105	cases	case	NOUN
cblr-1712	301	106	alleging	allege	VERB
cblr-1712	301	107	that	that	SCONJ
cblr-1712	301	108	the	the	DET
cblr-1712	301	109	failure	failure	NOUN
cblr-1712	301	110	of	of	ADP
cblr-1712	301	111	an	an	DET
cblr-1712	301	112	atm	atm	NOUN
cblr-1712	301	113	to	to	PART
cblr-1712	301	114	comply	comply	VERB
cblr-1712	301	115	with	with	ADP
cblr-1712	301	116	this	this	DET
cblr-1712	301	117	notice	notice	NOUN
cblr-1712	301	118	requirement	requirement	NOUN
cblr-1712	301	119	violates	violate	VERB
cblr-1712	301	120	the	the	DET
cblr-1712	301	121	efta	efta	NOUN
cblr-1712	301	122	are	be	AUX
cblr-1712	301	123	now	now	ADV
cblr-1712	301	124	extinct	extinct	ADJ
cblr-1712	301	125	.	.	PUNCT
cblr-1712	302	1	however	however	ADV
cblr-1712	302	2	,	,	PUNCT
cblr-1712	302	3	in	in	ADP
cblr-1712	302	4	several	several	ADJ
cblr-1712	302	5	respects	respect	NOUN
cblr-1712	302	6	,	,	PUNCT
cblr-1712	302	7	these	these	DET
cblr-1712	302	8	extinct	extinct	ADJ
cblr-1712	302	9	atm	atm	NOUN
cblr-1712	302	10	cases	case	NOUN
cblr-1712	302	11	perfectly	perfectly	ADV
cblr-1712	302	12	illustrate	illustrate	VERB
cblr-1712	302	13	a	a	DET
cblr-1712	302	14	class	class	NOUN
cblr-1712	302	15	-	-	PUNCT
cblr-1712	302	16	action	action	NOUN
cblr-1712	302	17	case	case	NOUN
cblr-1712	302	18	type	type	NOUN
cblr-1712	302	19	that	that	PRON
cblr-1712	302	20	still	still	ADV
cblr-1712	302	21	survives	survive	VERB
cblr-1712	302	22	under	under	ADP
cblr-1712	302	23	many	many	ADJ
cblr-1712	302	24	federal	federal	ADJ
cblr-1712	302	25	consumer	consumer	NOUN
cblr-1712	302	26	protection	protection	NOUN
cblr-1712	302	27	statutes	statute	NOUN
cblr-1712	302	28	:	:	PUNCT
cblr-1712	302	29	a	a	DET
cblr-1712	302	30	case	case	NOUN
cblr-1712	302	31	where	where	SCONJ
cblr-1712	302	32	no	no	DET
cblr-1712	302	33	class	class	NOUN
cblr-1712	302	34	member	member	NOUN
cblr-1712	302	35	has	have	AUX
cblr-1712	302	36	actually	actually	ADV
cblr-1712	302	37	suffered	suffer	VERB
cblr-1712	302	38	any	any	DET
cblr-1712	302	39	injury	injury	NOUN
cblr-1712	302	40	but	but	CCONJ
cblr-1712	302	41	which	which	PRON
cblr-1712	302	42	is	be	AUX
cblr-1712	302	43	nonetheless	nonetheless	ADV
cblr-1712	302	44	settled	settle	VERB
cblr-1712	302	45	,	,	PUNCT
cblr-1712	302	46	where	where	SCONJ
cblr-1712	302	47	the	the	DET
cblr-1712	302	48	nominal	nominal	ADJ
cblr-1712	302	49	settlement	settlement	NOUN
cblr-1712	302	50	is	be	AUX
cblr-1712	302	51	far	far	ADV
cblr-1712	302	52	less	less	ADJ
cblr-1712	302	53	than	than	ADP
cblr-1712	302	54	the	the	DET
cblr-1712	302	55	actual	actual	ADJ
cblr-1712	302	56	amount	amount	NOUN
cblr-1712	302	57	paid	pay	VERB
cblr-1712	302	58	to	to	ADP
cblr-1712	302	59	class	class	NOUN
cblr-1712	302	60	members	member	NOUN
cblr-1712	302	61	,	,	PUNCT
cblr-1712	302	62	73	73	NUM
cblr-1712	302	63	see	see	VERB
cblr-1712	302	64	disclosures	disclosure	NOUN
cblr-1712	302	65	at	at	ADP
cblr-1712	302	66	automated	automate	VERB
cblr-1712	302	67	teller	teller	NOUN
cblr-1712	302	68	machines	machine	NOUN
cblr-1712	302	69	(	(	PUNCT
cblr-1712	302	70	regulation	regulation	NOUN
cblr-1712	302	71	e	e	NOUN
cblr-1712	302	72	)	)	PUNCT
cblr-1712	302	73	,	,	PUNCT
cblr-1712	302	74	78	78	NUM
cblr-1712	302	75	fed	feed	VERB
cblr-1712	302	76	.	.	PUNCT
cblr-1712	303	1	reg	reg	PROPN
cblr-1712	303	2	.	.	PUNCT
cblr-1712	304	1	18,221	18,221	NUM
cblr-1712	304	2	(	(	PUNCT
cblr-1712	304	3	mar	mar	PROPN
cblr-1712	304	4	.	.	PROPN
cblr-1712	304	5	26	26	NUM
cblr-1712	304	6	,	,	PUNCT
cblr-1712	304	7	2013	2013	NUM
cblr-1712	304	8	)	)	PUNCT
cblr-1712	304	9	(	(	PUNCT
cblr-1712	304	10	to	to	PART
cblr-1712	304	11	be	be	AUX
cblr-1712	304	12	codified	codify	VERB
cblr-1712	304	13	at	at	ADP
cblr-1712	304	14	12	12	NUM
cblr-1712	304	15	c.f.r	c.f.r	NOUN
cblr-1712	304	16	.	.	PUNCT
cblr-1712	305	1	pt	pt	PROPN
cblr-1712	305	2	.	.	PROPN
cblr-1712	305	3	1005	1005	NUM
cblr-1712	305	4	)	)	PUNCT
cblr-1712	305	5	.	.	PUNCT
cblr-1712	306	1	74	74	NUM
cblr-1712	307	1	i	i	PRON
cblr-1712	307	2	d.	d.	PROPN
cblr-1712	307	3	at	at	ADP
cblr-1712	307	4	18,221	18,221	NUM
cblr-1712	307	5	.	.	PUNCT
cblr-1712	308	1	75	75	NUM
cblr-1712	308	2	however	however	ADV
cblr-1712	308	3	,	,	PUNCT
cblr-1712	308	4	class	class	NOUN
cblr-1712	308	5	damages	damage	NOUN
cblr-1712	308	6	are	be	AUX
cblr-1712	308	7	capped	cap	VERB
cblr-1712	308	8	at	at	ADP
cblr-1712	308	9	the	the	DET
cblr-1712	308	10	lesser	less	ADJ
cblr-1712	308	11	of	of	ADP
cblr-1712	308	12	1	1	NUM
cblr-1712	308	13	%	%	NOUN
cblr-1712	308	14	of	of	ADP
cblr-1712	308	15	the	the	DET
cblr-1712	308	16	defendant	defendant	NOUN
cblr-1712	308	17	’s	’s	PART
cblr-1712	308	18	net	net	ADJ
cblr-1712	308	19	worth	worth	NOUN
cblr-1712	308	20	or	or	CCONJ
cblr-1712	308	21	$	$	SYM
cblr-1712	308	22	500,000	500,000	NUM
cblr-1712	308	23	.	.	PUNCT
cblr-1712	309	1	15	15	NUM
cblr-1712	309	2	u.s.c	u.s.c	NOUN
cblr-1712	309	3	.	.	PUNCT
cblr-1712	310	1	§	§	PROPN
cblr-1712	310	2	1693m(a)(b	1693m(a)(b	NUM
cblr-1712	310	3	)	)	PUNCT
cblr-1712	310	4	(	(	PUNCT
cblr-1712	310	5	2012	2012	NUM
cblr-1712	310	6	)	)	PUNCT
cblr-1712	310	7	.	.	PUNCT
cblr-1712	311	1	76	76	NUM
cblr-1712	311	2	15	15	NUM
cblr-1712	311	3	u.s.c	u.s.c	NOUN
cblr-1712	311	4	.	.	PUNCT
cblr-1712	312	1	§	§	PROPN
cblr-1712	312	2	1693m(a	1693m(a	PROPN
cblr-1712	312	3	-	-	PUNCT
cblr-1712	312	4	h	h	NOUN
cblr-1712	312	5	)	)	PUNCT
cblr-1712	312	6	(	(	PUNCT
cblr-1712	312	7	2012	2012	NUM
cblr-1712	312	8	)	)	PUNCT
cblr-1712	312	9	.	.	PUNCT
cblr-1712	313	1	77	77	NUM
cblr-1712	313	2	in	in	ADP
cblr-1712	313	3	public	public	ADJ
cblr-1712	313	4	law	law	NOUN
cblr-1712	313	5	112–216	112–216	NUM
cblr-1712	313	6	,	,	PUNCT
cblr-1712	313	7	deleting	delete	VERB
cblr-1712	313	8	the	the	DET
cblr-1712	313	9	“	"	PUNCT
cblr-1712	313	10	on	on	ADP
cblr-1712	313	11	or	or	CCONJ
cblr-1712	313	12	at	at	ADP
cblr-1712	313	13	”	"	PUNCT
cblr-1712	313	14	requirement	requirement	NOUN
cblr-1712	313	15	plus	plus	CCONJ
cblr-1712	313	16	some	some	DET
cblr-1712	313	17	other	other	ADJ
cblr-1712	313	18	obsolete	obsolete	ADJ
cblr-1712	313	19	language	language	NOUN
cblr-1712	313	20	from	from	ADP
cblr-1712	313	21	section	section	NOUN
cblr-1712	313	22	904(d)(3	904(d)(3	NUM
cblr-1712	313	23	)	)	PUNCT
cblr-1712	313	24	of	of	ADP
cblr-1712	313	25	the	the	DET
cblr-1712	313	26	efta	efta	NOUN
cblr-1712	313	27	.	.	PUNCT
cblr-1712	314	1	act	act	PROPN
cblr-1712	314	2	of	of	ADP
cblr-1712	314	3	dec	dec	PROPN
cblr-1712	314	4	.	.	PROPN
cblr-1712	314	5	20	20	NUM
cblr-1712	314	6	,	,	PUNCT
cblr-1712	314	7	2012	2012	NUM
cblr-1712	314	8	,	,	PUNCT
cblr-1712	314	9	pub	pub	NOUN
cblr-1712	314	10	.	.	PUNCT
cblr-1712	315	1	l.	l.	PROPN
cblr-1712	315	2	no	no	INTJ
cblr-1712	315	3	.	.	PROPN
cblr-1712	316	1	112	112	NUM
cblr-1712	316	2	-	-	SYM
cblr-1712	316	3	216	216	NUM
cblr-1712	316	4	,	,	PUNCT
cblr-1712	316	5	126	126	NUM
cblr-1712	316	6	stat	stat	NOUN
cblr-1712	316	7	.	.	PUNCT
cblr-1712	317	1	1590	1590	NUM
cblr-1712	317	2	.	.	PUNCT
cblr-1712	318	1	johnston	johnston	PROPN
cblr-1712	318	2	–	–	PUNCT
cblr-1712	318	3	final	final	ADJ
cblr-1712	318	4	no	no	NOUN
cblr-1712	318	5	.	.	NOUN
cblr-1712	318	6	1:1	1:1	NUM
cblr-1712	318	7	]	]	X
cblr-1712	318	8	high	high	ADJ
cblr-1712	318	9	cost	cost	NOUN
cblr-1712	318	10	,	,	PUNCT
cblr-1712	318	11	little	little	ADJ
cblr-1712	318	12	compensation	compensation	NOUN
cblr-1712	318	13	29	29	NUM
cblr-1712	318	14	and	and	CCONJ
cblr-1712	318	15	where	where	SCONJ
cblr-1712	318	16	that	that	DET
cblr-1712	318	17	amount	amount	NOUN
cblr-1712	318	18	—	—	PUNCT
cblr-1712	318	19	the	the	DET
cblr-1712	318	20	actual	actual	ADJ
cblr-1712	318	21	compensation	compensation	NOUN
cblr-1712	318	22	received	receive	VERB
cblr-1712	318	23	by	by	ADP
cblr-1712	318	24	the	the	DET
cblr-1712	318	25	class	class	NOUN
cblr-1712	318	26	—	—	PUNCT
cblr-1712	318	27	is	be	AUX
cblr-1712	318	28	dwarfed	dwarfed	ADJ
cblr-1712	318	29	by	by	ADP
cblr-1712	318	30	the	the	DET
cblr-1712	318	31	attorneys	attorney	NOUN
cblr-1712	318	32	’	'	PUNCT
cblr-1712	318	33	fees	fee	NOUN
cblr-1712	318	34	received	receive	VERB
cblr-1712	318	35	by	by	ADP
cblr-1712	318	36	class	class	NOUN
cblr-1712	318	37	counsel	counsel	NOUN
cblr-1712	318	38	.	.	PUNCT
cblr-1712	319	1	for	for	ADP
cblr-1712	319	2	this	this	DET
cblr-1712	319	3	reason	reason	NOUN
cblr-1712	319	4	,	,	PUNCT
cblr-1712	319	5	atm	atm	NOUN
cblr-1712	319	6	notice	notice	NOUN
cblr-1712	319	7	failure	failure	NOUN
cblr-1712	319	8	classaction	classaction	NOUN
cblr-1712	319	9	settlements	settlement	NOUN
cblr-1712	319	10	are	be	AUX
cblr-1712	319	11	an	an	DET
cblr-1712	319	12	interesting	interesting	ADJ
cblr-1712	319	13	and	and	CCONJ
cblr-1712	319	14	important	important	ADJ
cblr-1712	319	15	case	case	NOUN
cblr-1712	319	16	study	study	NOUN
cblr-1712	319	17	.	.	PUNCT
cblr-1712	320	1	between	between	ADP
cblr-1712	320	2	2010	2010	NUM
cblr-1712	320	3	and	and	CCONJ
cblr-1712	320	4	2012	2012	NUM
cblr-1712	320	5	,	,	PUNCT
cblr-1712	320	6	plaintiffs	plaintiff	NOUN
cblr-1712	320	7	filed	file	VERB
cblr-1712	320	8	forty	forty	NUM
cblr-1712	320	9	-	-	PUNCT
cblr-1712	320	10	three	three	NUM
cblr-1712	320	11	atm	atm	NOUN
cblr-1712	320	12	notice	notice	NOUN
cblr-1712	320	13	failure	failure	NOUN
cblr-1712	320	14	class	class	NOUN
cblr-1712	320	15	actions	action	NOUN
cblr-1712	320	16	in	in	ADP
cblr-1712	320	17	the	the	DET
cblr-1712	320	18	northern	northern	ADJ
cblr-1712	320	19	district	district	NOUN
cblr-1712	320	20	of	of	ADP
cblr-1712	320	21	illinois	illinois	PROPN
cblr-1712	320	22	.	.	PUNCT
cblr-1712	321	1	in	in	ADP
cblr-1712	321	2	each	each	DET
cblr-1712	321	3	case	case	NOUN
cblr-1712	321	4	,	,	PUNCT
cblr-1712	321	5	the	the	DET
cblr-1712	321	6	complaint	complaint	NOUN
cblr-1712	321	7	alleged	allege	VERB
cblr-1712	321	8	that	that	SCONJ
cblr-1712	321	9	an	an	DET
cblr-1712	321	10	atm	atm	NOUN
cblr-1712	321	11	machine	machine	NOUN
cblr-1712	321	12	in	in	ADP
cblr-1712	321	13	metropolitan	metropolitan	PROPN
cblr-1712	321	14	chicago	chicago	PROPN
cblr-1712	321	15	failed	fail	VERB
cblr-1712	321	16	to	to	PART
cblr-1712	321	17	have	have	VERB
cblr-1712	321	18	the	the	DET
cblr-1712	321	19	required	require	VERB
cblr-1712	321	20	“	"	PUNCT
cblr-1712	321	21	on	on	ADP
cblr-1712	321	22	or	or	CCONJ
cblr-1712	321	23	at	at	ADP
cblr-1712	321	24	”	"	PUNCT
cblr-1712	321	25	notice	notice	NOUN
cblr-1712	321	26	on	on	ADP
cblr-1712	321	27	a	a	DET
cblr-1712	321	28	date	date	NOUN
cblr-1712	321	29	when	when	SCONJ
cblr-1712	321	30	the	the	DET
cblr-1712	321	31	named	name	VERB
cblr-1712	321	32	plaintiff	plaintiff	NOUN
cblr-1712	321	33	used	use	VERB
cblr-1712	321	34	the	the	DET
cblr-1712	321	35	machine	machine	NOUN
cblr-1712	321	36	.	.	PUNCT
cblr-1712	322	1	such	such	ADJ
cblr-1712	322	2	complaints	complaint	NOUN
cblr-1712	322	3	were	be	AUX
cblr-1712	322	4	supported	support	VERB
cblr-1712	322	5	by	by	ADP
cblr-1712	322	6	photos	photo	NOUN
cblr-1712	322	7	allegedly	allegedly	ADV
cblr-1712	322	8	showing	show	VERB
cblr-1712	322	9	the	the	DET
cblr-1712	322	10	state	state	NOUN
cblr-1712	322	11	of	of	ADP
cblr-1712	322	12	the	the	DET
cblr-1712	322	13	machine	machine	NOUN
cblr-1712	322	14	on	on	ADP
cblr-1712	322	15	the	the	DET
cblr-1712	322	16	date	date	NOUN
cblr-1712	322	17	it	it	PRON
cblr-1712	322	18	was	be	AUX
cblr-1712	322	19	used	use	VERB
cblr-1712	322	20	by	by	ADP
cblr-1712	322	21	the	the	DET
cblr-1712	322	22	plaintiff	plaintiff	NOUN
cblr-1712	322	23	.	.	PUNCT
cblr-1712	323	1	each	each	DET
cblr-1712	323	2	case	case	NOUN
cblr-1712	323	3	invariably	invariably	ADV
cblr-1712	323	4	sought	seek	VERB
cblr-1712	323	5	statutory	statutory	ADJ
cblr-1712	323	6	damages	damage	NOUN
cblr-1712	323	7	of	of	ADP
cblr-1712	323	8	up	up	ADP
cblr-1712	323	9	to	to	PART
cblr-1712	323	10	$	$	SYM
cblr-1712	323	11	1000	1000	NUM
cblr-1712	323	12	per	per	ADP
cblr-1712	323	13	class	class	NOUN
cblr-1712	323	14	member	member	NOUN
cblr-1712	323	15	,	,	PUNCT
cblr-1712	323	16	plus	plus	CCONJ
cblr-1712	323	17	attorneys	attorney	NOUN
cblr-1712	323	18	’	’	PART
cblr-1712	323	19	fees	fee	NOUN
cblr-1712	323	20	and	and	CCONJ
cblr-1712	323	21	costs	cost	NOUN
cblr-1712	323	22	.	.	PUNCT
cblr-1712	324	1	as	as	SCONJ
cblr-1712	324	2	shown	show	VERB
cblr-1712	324	3	in	in	ADP
cblr-1712	324	4	table	table	NOUN
cblr-1712	324	5	2	2	NUM
cblr-1712	324	6	below	below	ADV
cblr-1712	324	7	,	,	PUNCT
cblr-1712	324	8	the	the	DET
cblr-1712	324	9	outcomes	outcome	NOUN
cblr-1712	324	10	of	of	ADP
cblr-1712	324	11	such	such	ADJ
cblr-1712	324	12	litigation	litigation	NOUN
cblr-1712	324	13	quite	quite	ADV
cblr-1712	324	14	clearly	clearly	ADV
cblr-1712	324	15	evolved	evolve	VERB
cblr-1712	324	16	over	over	ADP
cblr-1712	324	17	the	the	DET
cblr-1712	324	18	sample	sample	NOUN
cblr-1712	324	19	period	period	NOUN
cblr-1712	324	20	.	.	PUNCT
cblr-1712	325	1	however	however	ADV
cblr-1712	325	2	,	,	PUNCT
cblr-1712	325	3	74	74	NUM
cblr-1712	325	4	%	%	NOUN
cblr-1712	325	5	of	of	ADP
cblr-1712	325	6	the	the	DET
cblr-1712	325	7	atm	atm	NOUN
cblr-1712	325	8	notice	notice	NOUN
cblr-1712	325	9	failure	failure	NOUN
cblr-1712	325	10	cases	case	NOUN
cblr-1712	325	11	ended	end	VERB
cblr-1712	325	12	in	in	ADP
cblr-1712	325	13	either	either	CCONJ
cblr-1712	325	14	a	a	DET
cblr-1712	325	15	class	class	NOUN
cblr-1712	325	16	or	or	CCONJ
cblr-1712	325	17	individual	individual	ADJ
cblr-1712	325	18	settlement	settlement	NOUN
cblr-1712	325	19	.	.	PUNCT
cblr-1712	326	1	in	in	ADP
cblr-1712	326	2	this	this	DET
cblr-1712	326	3	sense	sense	NOUN
cblr-1712	326	4	,	,	PUNCT
cblr-1712	326	5	the	the	DET
cblr-1712	326	6	cases	case	NOUN
cblr-1712	326	7	were	be	AUX
cblr-1712	326	8	very	very	ADV
cblr-1712	326	9	successful	successful	ADJ
cblr-1712	326	10	.	.	PUNCT
cblr-1712	327	1	table	table	NOUN
cblr-1712	327	2	2	2	NUM
cblr-1712	327	3	.	.	PUNCT
cblr-1712	327	4	atm	atm	PROPN
cblr-1712	327	5	notice	notice	PROPN
cblr-1712	327	6	class	class	NOUN
cblr-1712	327	7	-	-	PUNCT
cblr-1712	327	8	action	action	NOUN
cblr-1712	327	9	resolution	resolution	NOUN
cblr-1712	327	10	year	year	NOUN
cblr-1712	327	11	atm	atm	PROPN
cblr-1712	327	12	notice	notice	PROPN
cblr-1712	327	13	class	class	NOUN
cblr-1712	327	14	actions	action	NOUN
cblr-1712	327	15	filed	file	VERB
cblr-1712	327	16	cases	case	NOUN
cblr-1712	327	17	dismissed	dismiss	VERB
cblr-1712	327	18	without	without	ADP
cblr-1712	327	19	settlement	settlement	NOUN
cblr-1712	327	20	(	(	PUNCT
cblr-1712	327	21	defendant	defendant	NOUN
cblr-1712	327	22	victories	victory	NOUN
cblr-1712	327	23	)	)	PUNCT
cblr-1712	327	24	class	class	NOUN
cblr-1712	327	25	-	-	PUNCT
cblr-1712	327	26	action	action	NOUN
cblr-1712	327	27	settlements	settlement	NOUN
cblr-1712	327	28	,	,	PUNCT
cblr-1712	327	29	%	%	NOUN
cblr-1712	327	30	of	of	ADP
cblr-1712	327	31	atm	atm	PROPN
cblr-1712	327	32	notice	notice	NOUN
cblr-1712	327	33	filings	filing	NOUN
cblr-1712	327	34	individual	individual	ADJ
cblr-1712	327	35	settlements	settlement	NOUN
cblr-1712	327	36	,	,	PUNCT
cblr-1712	327	37	%	%	NOUN
cblr-1712	327	38	of	of	ADP
cblr-1712	327	39	individual	individual	ADJ
cblr-1712	327	40	atm	atm	PROPN
cblr-1712	327	41	notice	notice	NOUN
cblr-1712	327	42	filings	filing	NOUN
cblr-1712	327	43	2010	2010	NUM
cblr-1712	327	44	18	18	NUM
cblr-1712	327	45	6	6	NUM
cblr-1712	327	46	,	,	PUNCT
cblr-1712	327	47	33	33	NUM
cblr-1712	327	48	%	%	NOUN
cblr-1712	327	49	3	3	NUM
cblr-1712	327	50	,	,	PUNCT
cblr-1712	327	51	18	18	NUM
cblr-1712	327	52	%	%	NOUN
cblr-1712	327	53	9	9	NUM
cblr-1712	327	54	,	,	PUNCT
cblr-1712	327	55	50	50	NUM
cblr-1712	327	56	%	%	NOUN
cblr-1712	327	57	2011	2011	NUM
cblr-1712	327	58	16	16	NUM
cblr-1712	327	59	3	3	NUM
cblr-1712	327	60	,	,	PUNCT
cblr-1712	327	61	19	19	NUM
cblr-1712	327	62	%	%	NOUN
cblr-1712	327	63	5	5	NUM
cblr-1712	327	64	,	,	PUNCT
cblr-1712	327	65	31	31	NUM
cblr-1712	327	66	%	%	NOUN
cblr-1712	327	67	9	9	NUM
cblr-1712	327	68	,	,	PUNCT
cblr-1712	327	69	56	56	NUM
cblr-1712	327	70	%	%	NOUN
cblr-1712	327	71	2012	2012	NUM
cblr-1712	327	72	9	9	NUM
cblr-1712	327	73	2	2	NUM
cblr-1712	327	74	,	,	PUNCT
cblr-1712	327	75	22	22	NUM
cblr-1712	327	76	%	%	NOUN
cblr-1712	327	77	0	0	NUM
cblr-1712	327	78	,	,	PUNCT
cblr-1712	327	79	0	0	NUM
cblr-1712	327	80	%	%	NOUN
cblr-1712	327	81	7	7	NUM
cblr-1712	327	82	,	,	PUNCT
cblr-1712	327	83	78	78	NUM
cblr-1712	327	84	%	%	NOUN
cblr-1712	327	85	given	give	VERB
cblr-1712	327	86	that	that	SCONJ
cblr-1712	327	87	no	no	DET
cblr-1712	327	88	court	court	NOUN
cblr-1712	327	89	scrutiny	scrutiny	NOUN
cblr-1712	327	90	is	be	AUX
cblr-1712	327	91	required	require	VERB
cblr-1712	327	92	for	for	ADP
cblr-1712	327	93	individual	individual	ADJ
cblr-1712	327	94	plaintiff	plaintiff	NOUN
cblr-1712	327	95	settlements	settlement	NOUN
cblr-1712	327	96	,	,	PUNCT
cblr-1712	327	97	the	the	DET
cblr-1712	327	98	dockets	docket	NOUN
cblr-1712	327	99	generally	generally	ADV
cblr-1712	327	100	do	do	AUX
cblr-1712	327	101	not	not	PART
cblr-1712	327	102	contain	contain	VERB
cblr-1712	327	103	details	detail	NOUN
cblr-1712	327	104	about	about	ADP
cblr-1712	327	105	their	their	PRON
cblr-1712	327	106	terms	term	NOUN
cblr-1712	327	107	.	.	PUNCT
cblr-1712	328	1	the	the	DET
cblr-1712	328	2	single	single	ADJ
cblr-1712	328	3	exception	exception	NOUN
cblr-1712	328	4	is	be	AUX
cblr-1712	328	5	the	the	DET
cblr-1712	328	6	docket	docket	NOUN
cblr-1712	328	7	entry	entry	NOUN
cblr-1712	328	8	for	for	ADP
cblr-1712	328	9	stilz	stilz	NOUN
cblr-1712	328	10	v.	v.	ADP
cblr-1712	328	11	atm	atm	PROPN
cblr-1712	328	12	national	national	PROPN
cblr-1712	328	13	solutions	solutions	PROPN
cblr-1712	328	14	,	,	PUNCT
cblr-1712	328	15	llc	llc	PROPN
cblr-1712	328	16	’s	’s	PART
cblr-1712	328	17	attorneys	attorneys	PROPN
cblr-1712	328	18	’	'	PUNCT
cblr-1712	328	19	johnston	johnston	PROPN
cblr-1712	328	20	–	–	PUNCT
cblr-1712	329	1	final	final	ADJ
cblr-1712	329	2	30	30	NUM
cblr-1712	329	3	columbia	columbia	PROPN
cblr-1712	329	4	business	business	NOUN
cblr-1712	329	5	law	law	PROPN
cblr-1712	329	6	review	review	NOUN
cblr-1712	329	7	[	[	X
cblr-1712	329	8	vol	vol	NOUN
cblr-1712	329	9	.	.	PUNCT
cblr-1712	329	10	2017	2017	NUM
cblr-1712	329	11	fees.78	fees.78	VERB
cblr-1712	329	12	in	in	ADP
cblr-1712	329	13	that	that	DET
cblr-1712	329	14	case	case	NOUN
cblr-1712	329	15	,	,	PUNCT
cblr-1712	329	16	the	the	DET
cblr-1712	329	17	court	court	NOUN
cblr-1712	329	18	entered	enter	VERB
cblr-1712	329	19	a	a	DET
cblr-1712	329	20	default	default	NOUN
cblr-1712	329	21	judgment	judgment	NOUN
cblr-1712	329	22	order	order	NOUN
cblr-1712	329	23	awarding	award	VERB
cblr-1712	329	24	the	the	DET
cblr-1712	329	25	plaintiff	plaintiff	NOUN
cblr-1712	329	26	statutory	statutory	ADJ
cblr-1712	329	27	damages	damage	NOUN
cblr-1712	329	28	of	of	ADP
cblr-1712	329	29	$	$	SYM
cblr-1712	329	30	1000	1000	NUM
cblr-1712	329	31	and	and	CCONJ
cblr-1712	329	32	$	$	SYM
cblr-1712	329	33	10,905.50	10,905.50	PROPN
cblr-1712	329	34	in	in	ADP
cblr-1712	329	35	attorneys	attorney	NOUN
cblr-1712	329	36	’	’	PART
cblr-1712	329	37	fees	fee	NOUN
cblr-1712	329	38	and	and	CCONJ
cblr-1712	329	39	costs	cost	NOUN
cblr-1712	329	40	to	to	ADP
cblr-1712	329	41	class	class	NOUN
cblr-1712	329	42	counsel.79	counsel.79	NOUN
cblr-1712	329	43	this	this	DET
cblr-1712	329	44	ratio	ratio	NOUN
cblr-1712	329	45	of	of	ADP
cblr-1712	329	46	attorneys	attorney	NOUN
cblr-1712	329	47	’	’	PART
cblr-1712	329	48	fees	fee	NOUN
cblr-1712	329	49	and	and	CCONJ
cblr-1712	329	50	costs	cost	NOUN
cblr-1712	329	51	to	to	PART
cblr-1712	329	52	plaintiff	plaintiff	VERB
cblr-1712	329	53	recovery	recovery	NOUN
cblr-1712	329	54	of	of	ADP
cblr-1712	329	55	10:1	10:1	NUM
cblr-1712	329	56	means	mean	VERB
cblr-1712	329	57	that	that	SCONJ
cblr-1712	329	58	the	the	DET
cblr-1712	329	59	attorneys	attorney	NOUN
cblr-1712	329	60	’	'	PUNCT
cblr-1712	329	61	fees	fee	NOUN
cblr-1712	329	62	are	be	AUX
cblr-1712	329	63	equal	equal	ADJ
cblr-1712	329	64	to	to	ADP
cblr-1712	329	65	1000	1000	NUM
cblr-1712	329	66	%	%	NOUN
cblr-1712	329	67	of	of	ADP
cblr-1712	329	68	the	the	DET
cblr-1712	329	69	relief	relief	NOUN
cblr-1712	329	70	obtained	obtain	VERB
cblr-1712	329	71	.	.	PUNCT
cblr-1712	330	1	as	as	SCONJ
cblr-1712	330	2	noted	note	VERB
cblr-1712	330	3	above	above	ADV
cblr-1712	330	4	,	,	PUNCT
cblr-1712	330	5	the	the	DET
cblr-1712	330	6	requirement	requirement	NOUN
cblr-1712	330	7	that	that	SCONJ
cblr-1712	330	8	judges	judge	NOUN
cblr-1712	330	9	approve	approve	VERB
cblr-1712	330	10	class	class	NOUN
cblr-1712	330	11	-	-	PUNCT
cblr-1712	330	12	action	action	NOUN
cblr-1712	330	13	settlements	settlement	NOUN
cblr-1712	330	14	as	as	ADP
cblr-1712	330	15	fair	fair	ADJ
cblr-1712	330	16	does	do	AUX
cblr-1712	330	17	generate	generate	VERB
cblr-1712	330	18	information	information	NOUN
cblr-1712	330	19	about	about	ADP
cblr-1712	330	20	class	class	NOUN
cblr-1712	330	21	-	-	PUNCT
cblr-1712	330	22	action	action	NOUN
cblr-1712	330	23	settlements	settlement	NOUN
cblr-1712	330	24	.	.	PUNCT
cblr-1712	331	1	appendix	appendix	VERB
cblr-1712	331	2	1	1	NUM
cblr-1712	331	3	details	detail	NOUN
cblr-1712	331	4	the	the	DET
cblr-1712	331	5	classaction	classaction	NOUN
cblr-1712	331	6	settlements	settlement	NOUN
cblr-1712	331	7	in	in	ADP
cblr-1712	331	8	atm	atm	NOUN
cblr-1712	331	9	notice	notice	NOUN
cblr-1712	331	10	failure	failure	NOUN
cblr-1712	331	11	cases	case	NOUN
cblr-1712	331	12	.	.	PUNCT
cblr-1712	332	1	to	to	PART
cblr-1712	332	2	understand	understand	VERB
cblr-1712	332	3	appendix	appendix	NOUN
cblr-1712	332	4	1	1	NUM
cblr-1712	332	5	and	and	CCONJ
cblr-1712	332	6	the	the	DET
cblr-1712	332	7	subsequent	subsequent	ADJ
cblr-1712	332	8	analysis	analysis	NOUN
cblr-1712	332	9	of	of	ADP
cblr-1712	332	10	classaction	classaction	NOUN
cblr-1712	332	11	settlements	settlement	NOUN
cblr-1712	332	12	under	under	ADP
cblr-1712	332	13	the	the	DET
cblr-1712	332	14	other	other	ADJ
cblr-1712	332	15	federal	federal	ADJ
cblr-1712	332	16	consumer	consumer	NOUN
cblr-1712	332	17	protection	protection	NOUN
cblr-1712	332	18	statutes	statute	NOUN
cblr-1712	332	19	found	find	VERB
cblr-1712	332	20	in	in	ADP
cblr-1712	332	21	the	the	DET
cblr-1712	332	22	sample	sample	NOUN
cblr-1712	332	23	,	,	PUNCT
cblr-1712	332	24	one	one	PRON
cblr-1712	332	25	must	must	AUX
cblr-1712	332	26	understand	understand	VERB
cblr-1712	332	27	a	a	DET
cblr-1712	332	28	few	few	ADJ
cblr-1712	332	29	basic	basic	ADJ
cblr-1712	332	30	features	feature	NOUN
cblr-1712	332	31	of	of	ADP
cblr-1712	332	32	class	class	NOUN
cblr-1712	332	33	-	-	PUNCT
cblr-1712	332	34	action	action	NOUN
cblr-1712	332	35	settlements	settlement	NOUN
cblr-1712	332	36	.	.	PUNCT
cblr-1712	333	1	class	class	NOUN
cblr-1712	333	2	-	-	PUNCT
cblr-1712	333	3	action	action	NOUN
cblr-1712	333	4	settlements	settlement	NOUN
cblr-1712	333	5	generally	generally	ADV
cblr-1712	333	6	have	have	VERB
cblr-1712	333	7	a	a	DET
cblr-1712	333	8	stated	state	VERB
cblr-1712	333	9	or	or	CCONJ
cblr-1712	333	10	nominal	nominal	ADJ
cblr-1712	333	11	settlement	settlement	NOUN
cblr-1712	333	12	amount	amount	NOUN
cblr-1712	333	13	.	.	PUNCT
cblr-1712	334	1	in	in	ADP
cblr-1712	334	2	virtually	virtually	ADV
cblr-1712	334	3	all	all	DET
cblr-1712	334	4	cases	case	NOUN
cblr-1712	334	5	,	,	PUNCT
cblr-1712	334	6	that	that	DET
cblr-1712	334	7	nominal	nominal	ADJ
cblr-1712	334	8	amount	amount	NOUN
cblr-1712	334	9	caps	cap	VERB
cblr-1712	334	10	the	the	DET
cblr-1712	334	11	amount	amount	NOUN
cblr-1712	334	12	that	that	PRON
cblr-1712	334	13	the	the	DET
cblr-1712	334	14	defendant	defendant	NOUN
cblr-1712	334	15	pays	pay	VERB
cblr-1712	334	16	out	out	ADP
cblr-1712	334	17	pursuant	pursuant	ADV
cblr-1712	334	18	to	to	ADP
cblr-1712	334	19	the	the	DET
cblr-1712	334	20	settlement	settlement	NOUN
cblr-1712	334	21	.	.	PUNCT
cblr-1712	335	1	such	such	ADJ
cblr-1712	335	2	payouts	payout	NOUN
cblr-1712	335	3	go	go	VERB
cblr-1712	335	4	first	first	ADV
cblr-1712	335	5	as	as	ADP
cblr-1712	335	6	attorneys	attorney	NOUN
cblr-1712	335	7	’	'	PUNCT
cblr-1712	335	8	fees	fee	NOUN
cblr-1712	335	9	to	to	ADP
cblr-1712	335	10	class	class	NOUN
cblr-1712	335	11	counsel	counsel	NOUN
cblr-1712	335	12	and	and	CCONJ
cblr-1712	335	13	then	then	ADV
cblr-1712	335	14	as	as	SCONJ
cblr-1712	335	15	incentive	incentive	NOUN
cblr-1712	335	16	awards	award	NOUN
cblr-1712	335	17	to	to	PART
cblr-1712	335	18	named	name	VERB
cblr-1712	335	19	plaintiffs	plaintiff	NOUN
cblr-1712	335	20	and	and	CCONJ
cblr-1712	335	21	as	as	ADP
cblr-1712	335	22	fees	fee	NOUN
cblr-1712	335	23	to	to	ADP
cblr-1712	335	24	the	the	DET
cblr-1712	335	25	settlement	settlement	NOUN
cblr-1712	335	26	administrator	administrator	NOUN
cblr-1712	335	27	(	(	PUNCT
cblr-1712	335	28	the	the	DET
cblr-1712	335	29	company	company	NOUN
cblr-1712	335	30	that	that	PRON
cblr-1712	335	31	sends	send	VERB
cblr-1712	335	32	out	out	ADP
cblr-1712	335	33	notices	notice	NOUN
cblr-1712	335	34	to	to	ADP
cblr-1712	335	35	the	the	DET
cblr-1712	335	36	class	class	NOUN
cblr-1712	335	37	of	of	ADP
cblr-1712	335	38	their	their	PRON
cblr-1712	335	39	rights	right	NOUN
cblr-1712	335	40	under	under	ADP
cblr-1712	335	41	the	the	DET
cblr-1712	335	42	settlement	settlement	NOUN
cblr-1712	335	43	)	)	PUNCT
cblr-1712	335	44	.	.	PUNCT
cblr-1712	336	1	next	next	ADJ
cblr-1712	336	2	,	,	PUNCT
cblr-1712	336	3	actual	actual	ADJ
cblr-1712	336	4	class	class	NOUN
cblr-1712	336	5	members	member	NOUN
cblr-1712	336	6	who	who	PRON
cblr-1712	336	7	qualify	qualify	VERB
cblr-1712	336	8	(	(	PUNCT
cblr-1712	336	9	typically	typically	ADV
cblr-1712	336	10	by	by	ADP
cblr-1712	336	11	filling	fill	VERB
cblr-1712	336	12	out	out	ADP
cblr-1712	336	13	a	a	DET
cblr-1712	336	14	valid	valid	ADJ
cblr-1712	336	15	claim	claim	NOUN
cblr-1712	336	16	form	form	NOUN
cblr-1712	336	17	)	)	PUNCT
cblr-1712	336	18	receive	receive	VERB
cblr-1712	336	19	compensation	compensation	NOUN
cblr-1712	336	20	.	.	PUNCT
cblr-1712	337	1	in	in	ADP
cblr-1712	337	2	some	some	DET
cblr-1712	337	3	cases	case	NOUN
cblr-1712	337	4	,	,	PUNCT
cblr-1712	337	5	a	a	DET
cblr-1712	337	6	provision	provision	NOUN
cblr-1712	337	7	in	in	ADP
cblr-1712	337	8	the	the	DET
cblr-1712	337	9	settlement	settlement	NOUN
cblr-1712	337	10	is	be	AUX
cblr-1712	337	11	made	make	VERB
cblr-1712	337	12	for	for	ADP
cblr-1712	337	13	some	some	DET
cblr-1712	337	14	portion	portion	NOUN
cblr-1712	337	15	of	of	ADP
cblr-1712	337	16	the	the	DET
cblr-1712	337	17	remaining	remain	VERB
cblr-1712	337	18	funds	fund	NOUN
cblr-1712	337	19	to	to	PART
cblr-1712	337	20	be	be	AUX
cblr-1712	337	21	paid	pay	VERB
cblr-1712	337	22	out	out	ADP
cblr-1712	337	23	as	as	ADP
cblr-1712	337	24	a	a	DET
cblr-1712	337	25	cy	cy	PROPN
cblr-1712	337	26	pres	pres	PROPN
cblr-1712	337	27	award	award	PROPN
cblr-1712	337	28	.	.	PUNCT
cblr-1712	338	1	in	in	ADP
cblr-1712	338	2	the	the	DET
cblr-1712	338	3	illinois	illinois	PROPN
cblr-1712	338	4	data	data	PROPN
cblr-1712	338	5	,	,	PUNCT
cblr-1712	338	6	such	such	ADJ
cblr-1712	338	7	cy	cy	PROPN
cblr-1712	338	8	pres	pre	NOUN
cblr-1712	338	9	awards	award	NOUN
cblr-1712	338	10	always	always	ADV
cblr-1712	338	11	went	go	VERB
cblr-1712	338	12	to	to	ADP
cblr-1712	338	13	legal	legal	ADJ
cblr-1712	338	14	aid	aid	NOUN
cblr-1712	338	15	organizations	organization	NOUN
cblr-1712	338	16	of	of	ADP
cblr-1712	338	17	one	one	NUM
cblr-1712	338	18	sort	sort	NOUN
cblr-1712	338	19	or	or	CCONJ
cblr-1712	338	20	another	another	PRON
cblr-1712	338	21	.	.	PUNCT
cblr-1712	339	1	with	with	ADP
cblr-1712	339	2	rare	rare	ADJ
cblr-1712	339	3	exceptions	exception	NOUN
cblr-1712	339	4	(	(	PUNCT
cblr-1712	339	5	in	in	ADP
cblr-1712	339	6	so	so	ADV
cblr-1712	339	7	-	-	PUNCT
cblr-1712	339	8	called	call	VERB
cblr-1712	339	9	nonreversionary	nonreversionary	PROPN
cblr-1712	339	10	settlement	settlement	NOUN
cblr-1712	339	11	funds	fund	NOUN
cblr-1712	339	12	)	)	PUNCT
cblr-1712	339	13	,	,	PUNCT
cblr-1712	339	14	after	after	SCONJ
cblr-1712	339	15	all	all	DET
cblr-1712	339	16	these	these	DET
cblr-1712	339	17	payouts	payout	NOUN
cblr-1712	339	18	are	be	AUX
cblr-1712	339	19	made	make	VERB
cblr-1712	339	20	,	,	PUNCT
cblr-1712	339	21	the	the	DET
cblr-1712	339	22	defendant	defendant	NOUN
cblr-1712	339	23	keeps	keep	VERB
cblr-1712	339	24	whatever	whatever	DET
cblr-1712	339	25	funds	fund	NOUN
cblr-1712	339	26	remain	remain	VERB
cblr-1712	339	27	from	from	ADP
cblr-1712	339	28	the	the	DET
cblr-1712	339	29	nominal	nominal	ADJ
cblr-1712	339	30	settlement	settlement	NOUN
cblr-1712	339	31	.	.	PUNCT
cblr-1712	340	1	thus	thus	ADV
cblr-1712	340	2	,	,	PUNCT
cblr-1712	340	3	for	for	ADP
cblr-1712	340	4	example	example	NOUN
cblr-1712	340	5	,	,	PUNCT
cblr-1712	340	6	if	if	SCONJ
cblr-1712	340	7	the	the	DET
cblr-1712	340	8	nominal	nominal	ADJ
cblr-1712	340	9	settlement	settlement	NOUN
cblr-1712	340	10	amount	amount	NOUN
cblr-1712	340	11	was	be	AUX
cblr-1712	340	12	$	$	SYM
cblr-1712	340	13	100,000	100,000	NUM
cblr-1712	340	14	but	but	CCONJ
cblr-1712	340	15	only	only	ADV
cblr-1712	340	16	$	$	SYM
cblr-1712	340	17	50,000	50,000	NUM
cblr-1712	340	18	was	be	AUX
cblr-1712	340	19	paid	pay	VERB
cblr-1712	340	20	out	out	ADP
cblr-1712	340	21	to	to	ADP
cblr-1712	340	22	class	class	NOUN
cblr-1712	340	23	counsel	counsel	NOUN
cblr-1712	340	24	,	,	PUNCT
cblr-1712	340	25	named	name	VERB
cblr-1712	340	26	plaintiffs	plaintiff	NOUN
cblr-1712	340	27	,	,	PUNCT
cblr-1712	340	28	the	the	DET
cblr-1712	340	29	class	class	NOUN
cblr-1712	340	30	,	,	PUNCT
cblr-1712	340	31	the	the	DET
cblr-1712	340	32	settlement	settlement	NOUN
cblr-1712	340	33	administrator	administrator	NOUN
cblr-1712	340	34	,	,	PUNCT
cblr-1712	340	35	and	and	CCONJ
cblr-1712	340	36	the	the	DET
cblr-1712	340	37	cy	cy	PROPN
cblr-1712	340	38	pres	pres	PROPN
cblr-1712	340	39	recipient	recipient	NOUN
cblr-1712	340	40	,	,	PUNCT
cblr-1712	340	41	then	then	ADV
cblr-1712	340	42	the	the	DET
cblr-1712	340	43	78	78	NUM
cblr-1712	340	44	stilz	stilz	NOUN
cblr-1712	340	45	v.	v.	ADP
cblr-1712	340	46	atm	atm	PROPN
cblr-1712	340	47	nat	nat	PROPN
cblr-1712	340	48	.	.	PUNCT
cblr-1712	341	1	sols	sol	NOUN
cblr-1712	341	2	.	.	PUNCT
cblr-1712	341	3	,	,	PUNCT
cblr-1712	341	4	no	no	INTJ
cblr-1712	341	5	.	.	PUNCT
cblr-1712	342	1	1:11	1:11	NUM
cblr-1712	342	2	-	-	PUNCT
cblr-1712	342	3	cv-05519	cv-05519	PROPN
cblr-1712	342	4	(	(	PUNCT
cblr-1712	342	5	n.d	n.d	PROPN
cblr-1712	342	6	.	.	PROPN
cblr-1712	342	7	ill	ill	PROPN
cblr-1712	342	8	.	.	PROPN
cblr-1712	342	9	2012	2012	NUM
cblr-1712	342	10	)	)	PUNCT
cblr-1712	342	11	.	.	PUNCT
cblr-1712	343	1	79	79	NUM
cblr-1712	343	2	see	see	VERB
cblr-1712	343	3	order	order	NOUN
cblr-1712	343	4	of	of	ADP
cblr-1712	343	5	may	may	PROPN
cblr-1712	343	6	14	14	NUM
cblr-1712	343	7	,	,	PUNCT
cblr-1712	343	8	2012	2012	NUM
cblr-1712	343	9	,	,	PUNCT
cblr-1712	343	10	stilz	stilz	NOUN
cblr-1712	343	11	v.	v.	ADP
cblr-1712	343	12	atm	atm	PROPN
cblr-1712	343	13	nat’l	nat’l	PROPN
cblr-1712	343	14	sols	sol	NOUN
cblr-1712	343	15	.	.	PUNCT
cblr-1712	343	16	,	,	PUNCT
cblr-1712	343	17	no	no	INTJ
cblr-1712	343	18	.	.	NOUN
cblr-1712	344	1	11	11	NUM
cblr-1712	344	2	-	-	SYM
cblr-1712	344	3	5519	5519	NUM
cblr-1712	344	4	(	(	PUNCT
cblr-1712	344	5	n.d	n.d	PROPN
cblr-1712	344	6	.	.	PROPN
cblr-1712	344	7	ill	ill	PROPN
cblr-1712	344	8	.	.	PROPN
cblr-1712	344	9	2012	2012	NUM
cblr-1712	344	10	)	)	PUNCT
cblr-1712	345	1	,	,	PUNCT
cblr-1712	345	2	ecf	ecf	PROPN
cblr-1712	345	3	no	no	INTJ
cblr-1712	345	4	.	.	PROPN
cblr-1712	346	1	22	22	NUM
cblr-1712	346	2	.	.	PUNCT
cblr-1712	347	1	johnston	johnston	PROPN
cblr-1712	347	2	–	–	PUNCT
cblr-1712	347	3	final	final	ADJ
cblr-1712	347	4	no	no	NOUN
cblr-1712	347	5	.	.	NOUN
cblr-1712	347	6	1:1	1:1	NUM
cblr-1712	347	7	]	]	X
cblr-1712	347	8	high	high	ADJ
cblr-1712	347	9	cost	cost	NOUN
cblr-1712	347	10	,	,	PUNCT
cblr-1712	347	11	little	little	ADJ
cblr-1712	347	12	compensation	compensation	NOUN
cblr-1712	347	13	31	31	NUM
cblr-1712	347	14	defendant	defendant	NOUN
cblr-1712	347	15	would	would	AUX
cblr-1712	347	16	only	only	ADV
cblr-1712	347	17	pay	pay	VERB
cblr-1712	347	18	out	out	ADP
cblr-1712	347	19	a	a	DET
cblr-1712	347	20	total	total	NOUN
cblr-1712	347	21	of	of	ADP
cblr-1712	347	22	$	$	SYM
cblr-1712	347	23	50,000	50,000	NUM
cblr-1712	347	24	,	,	PUNCT
cblr-1712	347	25	not	not	PART
cblr-1712	347	26	the	the	DET
cblr-1712	347	27	$	$	SYM
cblr-1712	347	28	100,000	100,000	NUM
cblr-1712	347	29	nominal	nominal	ADJ
cblr-1712	347	30	settlement	settlement	NOUN
cblr-1712	347	31	amount	amount	NOUN
cblr-1712	347	32	.	.	PUNCT
cblr-1712	348	1	the	the	DET
cblr-1712	348	2	existing	exist	VERB
cblr-1712	348	3	empirical	empirical	ADJ
cblr-1712	348	4	literature	literature	NOUN
cblr-1712	348	5	on	on	ADP
cblr-1712	348	6	class	class	NOUN
cblr-1712	348	7	-	-	PUNCT
cblr-1712	348	8	action	action	NOUN
cblr-1712	348	9	settlements	settlement	NOUN
cblr-1712	348	10	does	do	AUX
cblr-1712	348	11	not	not	PART
cblr-1712	348	12	share	share	VERB
cblr-1712	348	13	a	a	DET
cblr-1712	348	14	common	common	ADJ
cblr-1712	348	15	investigative	investigative	ADJ
cblr-1712	348	16	goal	goal	NOUN
cblr-1712	348	17	;	;	PUNCT
cblr-1712	348	18	therefore	therefore	ADV
cblr-1712	348	19	,	,	PUNCT
cblr-1712	348	20	different	different	ADJ
cblr-1712	348	21	studies	study	NOUN
cblr-1712	348	22	report	report	VERB
cblr-1712	348	23	different	different	ADJ
cblr-1712	348	24	class	class	NOUN
cblr-1712	348	25	-	-	PUNCT
cblr-1712	348	26	action	action	NOUN
cblr-1712	348	27	settlement	settlement	NOUN
cblr-1712	348	28	measures	measure	NOUN
cblr-1712	348	29	.	.	PUNCT
cblr-1712	349	1	the	the	DET
cblr-1712	349	2	most	most	ADV
cblr-1712	349	3	recent	recent	ADJ
cblr-1712	349	4	study	study	NOUN
cblr-1712	349	5	,	,	PUNCT
cblr-1712	349	6	by	by	ADP
cblr-1712	349	7	shepherd,80	shepherd,80	NOUN
cblr-1712	349	8	reports	report	NOUN
cblr-1712	349	9	on	on	ADP
cblr-1712	349	10	how	how	SCONJ
cblr-1712	349	11	class	class	NOUN
cblr-1712	349	12	settlement	settlement	NOUN
cblr-1712	349	13	payouts	payout	NOUN
cblr-1712	349	14	are	be	AUX
cblr-1712	349	15	divided	divide	VERB
cblr-1712	349	16	among	among	ADP
cblr-1712	349	17	the	the	DET
cblr-1712	349	18	class	class	NOUN
cblr-1712	349	19	,	,	PUNCT
cblr-1712	349	20	attorneys	attorney	NOUN
cblr-1712	349	21	,	,	PUNCT
cblr-1712	349	22	settlement	settlement	NOUN
cblr-1712	349	23	administrators	administrator	NOUN
cblr-1712	349	24	,	,	PUNCT
cblr-1712	349	25	and	and	CCONJ
cblr-1712	349	26	cy	cy	PROPN
cblr-1712	349	27	pres	pres	PROPN
cblr-1712	349	28	awards	award	NOUN
cblr-1712	349	29	to	to	ADP
cblr-1712	349	30	charities	charity	NOUN
cblr-1712	349	31	.	.	PUNCT
cblr-1712	350	1	fitzpatrick	fitzpatrick	PROPN
cblr-1712	350	2	’s	’s	PART
cblr-1712	350	3	2010	2010	NUM
cblr-1712	350	4	paper	paper	NOUN
cblr-1712	350	5	is	be	AUX
cblr-1712	350	6	concerned	concern	VERB
cblr-1712	350	7	primarily	primarily	ADV
cblr-1712	350	8	with	with	ADP
cblr-1712	350	9	discussing	discuss	VERB
cblr-1712	350	10	how	how	SCONJ
cblr-1712	350	11	attorneys	attorney	NOUN
cblr-1712	350	12	’	'	PUNCT
cblr-1712	350	13	fees	fee	NOUN
cblr-1712	350	14	as	as	ADP
cblr-1712	350	15	a	a	DET
cblr-1712	350	16	fraction	fraction	NOUN
cblr-1712	350	17	of	of	ADP
cblr-1712	350	18	the	the	DET
cblr-1712	350	19	nominal	nominal	ADJ
cblr-1712	350	20	payout	payout	NOUN
cblr-1712	350	21	vary	vary	VERB
cblr-1712	350	22	across	across	ADP
cblr-1712	350	23	case	case	NOUN
cblr-1712	350	24	types.81	types.81	PROPN
cblr-1712	350	25	the	the	DET
cblr-1712	350	26	2015	2015	NUM
cblr-1712	350	27	arbitration	arbitration	NOUN
cblr-1712	350	28	study	study	NOUN
cblr-1712	350	29	reports	report	NOUN
cblr-1712	350	30	on	on	ADP
cblr-1712	350	31	aggregate	aggregate	ADJ
cblr-1712	350	32	attorneys	attorney	NOUN
cblr-1712	350	33	’	'	PUNCT
cblr-1712	350	34	fees	fee	NOUN
cblr-1712	350	35	,	,	PUNCT
cblr-1712	350	36	payouts	payout	NOUN
cblr-1712	350	37	to	to	ADP
cblr-1712	350	38	the	the	DET
cblr-1712	350	39	class	class	NOUN
cblr-1712	350	40	,	,	PUNCT
cblr-1712	350	41	and	and	CCONJ
cblr-1712	350	42	compensation	compensation	NOUN
cblr-1712	350	43	rate	rate	NOUN
cblr-1712	350	44	by	by	ADP
cblr-1712	350	45	productcategory	productcategory	ADJ
cblr-1712	350	46	type.82	type.82	NOUN
cblr-1712	350	47	this	this	DET
cblr-1712	350	48	article	article	NOUN
cblr-1712	350	49	focuses	focus	VERB
cblr-1712	350	50	on	on	ADP
cblr-1712	350	51	evaluating	evaluate	VERB
cblr-1712	350	52	the	the	DET
cblr-1712	350	53	efficiency	efficiency	NOUN
cblr-1712	350	54	of	of	ADP
cblr-1712	350	55	the	the	DET
cblr-1712	350	56	class	class	NOUN
cblr-1712	350	57	action	action	NOUN
cblr-1712	350	58	as	as	ADP
cblr-1712	350	59	an	an	DET
cblr-1712	350	60	instrument	instrument	NOUN
cblr-1712	350	61	of	of	ADP
cblr-1712	350	62	compensation	compensation	NOUN
cblr-1712	350	63	to	to	ADP
cblr-1712	350	64	class	class	NOUN
cblr-1712	350	65	members	member	NOUN
cblr-1712	350	66	and	and	CCONJ
cblr-1712	350	67	potential	potential	ADJ
cblr-1712	350	68	deterrence	deterrence	NOUN
cblr-1712	350	69	of	of	ADP
cblr-1712	350	70	harm	harm	NOUN
cblr-1712	350	71	-	-	PUNCT
cblr-1712	350	72	causing	cause	VERB
cblr-1712	350	73	behaviors	behavior	NOUN
cblr-1712	350	74	.	.	PUNCT
cblr-1712	351	1	the	the	DET
cblr-1712	351	2	measure	measure	NOUN
cblr-1712	351	3	in	in	ADP
cblr-1712	351	4	this	this	DET
cblr-1712	351	5	analysis	analysis	NOUN
cblr-1712	351	6	of	of	ADP
cblr-1712	351	7	the	the	DET
cblr-1712	351	8	cost	cost	NOUN
cblr-1712	351	9	of	of	ADP
cblr-1712	351	10	compensation	compensation	NOUN
cblr-1712	351	11	via	via	ADP
cblr-1712	351	12	class	class	NOUN
cblr-1712	351	13	-	-	PUNCT
cblr-1712	351	14	action	action	NOUN
cblr-1712	351	15	settlements	settlement	NOUN
cblr-1712	351	16	is	be	AUX
cblr-1712	351	17	the	the	DET
cblr-1712	351	18	absolute	absolute	ADJ
cblr-1712	351	19	amount	amount	NOUN
cblr-1712	351	20	paid	pay	VERB
cblr-1712	351	21	to	to	ADP
cblr-1712	351	22	class	class	NOUN
cblr-1712	351	23	counsel	counsel	NOUN
cblr-1712	351	24	as	as	ADP
cblr-1712	351	25	fees	fee	NOUN
cblr-1712	351	26	.	.	PUNCT
cblr-1712	352	1	note	note	VERB
cblr-1712	352	2	that	that	SCONJ
cblr-1712	352	3	this	this	PRON
cblr-1712	352	4	is	be	AUX
cblr-1712	352	5	clearly	clearly	ADV
cblr-1712	352	6	a	a	DET
cblr-1712	352	7	substantial	substantial	ADJ
cblr-1712	352	8	underestimate	underestimate	NOUN
cblr-1712	352	9	of	of	ADP
cblr-1712	352	10	the	the	DET
cblr-1712	352	11	total	total	ADJ
cblr-1712	352	12	social	social	ADJ
cblr-1712	352	13	cost	cost	NOUN
cblr-1712	352	14	of	of	ADP
cblr-1712	352	15	awarding	award	VERB
cblr-1712	352	16	compensation	compensation	NOUN
cblr-1712	352	17	via	via	ADP
cblr-1712	352	18	class	class	NOUN
cblr-1712	352	19	-	-	PUNCT
cblr-1712	352	20	action	action	NOUN
cblr-1712	352	21	settlements	settlement	NOUN
cblr-1712	352	22	,	,	PUNCT
cblr-1712	352	23	for	for	SCONJ
cblr-1712	352	24	it	it	PRON
cblr-1712	352	25	ignores	ignore	VERB
cblr-1712	352	26	the	the	DET
cblr-1712	352	27	attorneys	attorney	NOUN
cblr-1712	352	28	’	'	PUNCT
cblr-1712	352	29	fees	fee	NOUN
cblr-1712	352	30	charged	charge	VERB
cblr-1712	352	31	by	by	ADP
cblr-1712	352	32	defendant	defendant	NOUN
cblr-1712	352	33	’s	’s	PART
cblr-1712	352	34	counsel	counsel	NOUN
cblr-1712	352	35	and	and	CCONJ
cblr-1712	352	36	also	also	ADV
cblr-1712	352	37	the	the	DET
cblr-1712	352	38	cost	cost	NOUN
cblr-1712	352	39	of	of	ADP
cblr-1712	352	40	devoting	devote	VERB
cblr-1712	352	41	the	the	DET
cblr-1712	352	42	scarce	scarce	ADJ
cblr-1712	352	43	time	time	NOUN
cblr-1712	352	44	and	and	CCONJ
cblr-1712	352	45	resources	resource	NOUN
cblr-1712	352	46	of	of	ADP
cblr-1712	352	47	the	the	DET
cblr-1712	352	48	federal	federal	ADJ
cblr-1712	352	49	courts	court	NOUN
cblr-1712	352	50	to	to	ADP
cblr-1712	352	51	resolving	resolve	VERB
cblr-1712	352	52	class	class	NOUN
cblr-1712	352	53	actions	action	NOUN
cblr-1712	352	54	.	.	PUNCT
cblr-1712	353	1	as	as	ADP
cblr-1712	353	2	a	a	DET
cblr-1712	353	3	measure	measure	NOUN
cblr-1712	353	4	of	of	ADP
cblr-1712	353	5	compensatory	compensatory	ADJ
cblr-1712	353	6	efficiency	efficiency	NOUN
cblr-1712	353	7	,	,	PUNCT
cblr-1712	353	8	this	this	DET
cblr-1712	353	9	study	study	NOUN
cblr-1712	353	10	reports	report	VERB
cblr-1712	353	11	attorneys	attorney	NOUN
cblr-1712	353	12	’	'	PUNCT
cblr-1712	353	13	fees	fee	NOUN
cblr-1712	353	14	relative	relative	ADJ
cblr-1712	353	15	to	to	ADP
cblr-1712	353	16	both	both	DET
cblr-1712	353	17	the	the	DET
cblr-1712	353	18	nominal	nominal	ADJ
cblr-1712	353	19	settlement	settlement	NOUN
cblr-1712	353	20	and	and	CCONJ
cblr-1712	353	21	actual	actual	ADJ
cblr-1712	353	22	aggregate	aggregate	ADJ
cblr-1712	353	23	payout	payout	NOUN
cblr-1712	353	24	to	to	ADP
cblr-1712	353	25	the	the	DET
cblr-1712	353	26	class	class	NOUN
cblr-1712	353	27	.	.	PUNCT
cblr-1712	354	1	this	this	DET
cblr-1712	354	2	study	study	NOUN
cblr-1712	354	3	also	also	ADV
cblr-1712	354	4	reports	report	VERB
cblr-1712	354	5	the	the	DET
cblr-1712	354	6	compensation	compensation	NOUN
cblr-1712	354	7	rate	rate	NOUN
cblr-1712	354	8	:	:	PUNCT
cblr-1712	354	9	the	the	DET
cblr-1712	354	10	fraction	fraction	NOUN
cblr-1712	354	11	of	of	ADP
cblr-1712	354	12	the	the	DET
cblr-1712	354	13	class	class	NOUN
cblr-1712	354	14	that	that	PRON
cblr-1712	354	15	actually	actually	ADV
cblr-1712	354	16	receives	receive	VERB
cblr-1712	354	17	compensation	compensation	NOUN
cblr-1712	354	18	.	.	PUNCT
cblr-1712	355	1	as	as	SCONJ
cblr-1712	355	2	appendix	appendix	X
cblr-1712	355	3	1	1	NUM
cblr-1712	355	4	shows	show	NOUN
cblr-1712	355	5	,	,	PUNCT
cblr-1712	355	6	even	even	ADV
cblr-1712	355	7	the	the	DET
cblr-1712	355	8	nominal	nominal	ADJ
cblr-1712	355	9	class	class	NOUN
cblr-1712	355	10	settlements	settlement	NOUN
cblr-1712	355	11	in	in	ADP
cblr-1712	355	12	atm	atm	NOUN
cblr-1712	355	13	notice	notice	NOUN
cblr-1712	355	14	failure	failure	NOUN
cblr-1712	355	15	class	class	NOUN
cblr-1712	355	16	settlements	settlement	NOUN
cblr-1712	355	17	were	be	AUX
cblr-1712	355	18	not	not	PART
cblr-1712	355	19	large	large	ADJ
cblr-1712	355	20	,	,	PUNCT
cblr-1712	355	21	ranging	range	VERB
cblr-1712	355	22	between	between	ADP
cblr-1712	355	23	$	$	SYM
cblr-1712	355	24	40,000	40,000	NUM
cblr-1712	355	25	and	and	CCONJ
cblr-1712	355	26	$	$	SYM
cblr-1712	355	27	150,000	150,000	NUM
cblr-1712	355	28	.	.	PUNCT
cblr-1712	356	1	the	the	DET
cblr-1712	356	2	actual	actual	ADJ
cblr-1712	356	3	aggregate	aggregate	ADJ
cblr-1712	356	4	payout	payout	NOUN
cblr-1712	356	5	to	to	ADP
cblr-1712	356	6	the	the	DET
cblr-1712	356	7	class	class	NOUN
cblr-1712	356	8	was	be	AUX
cblr-1712	356	9	even	even	ADV
cblr-1712	356	10	smaller	small	ADJ
cblr-1712	356	11	,	,	PUNCT
cblr-1712	356	12	ranging	range	VERB
cblr-1712	356	13	80	80	NUM
cblr-1712	356	14	see	see	NOUN
cblr-1712	356	15	shepherd	shepherd	NOUN
cblr-1712	356	16	,	,	PUNCT
cblr-1712	356	17	supra	supra	PROPN
cblr-1712	356	18	note	note	NOUN
cblr-1712	356	19	34	34	NUM
cblr-1712	356	20	.	.	PUNCT
cblr-1712	356	21	81	81	NUM
cblr-1712	356	22	see	see	VERB
cblr-1712	356	23	fitzpatrick	fitzpatrick	PROPN
cblr-1712	356	24	,	,	PUNCT
cblr-1712	356	25	supra	supra	PROPN
cblr-1712	356	26	note	note	NOUN
cblr-1712	356	27	23	23	NUM
cblr-1712	356	28	.	.	PUNCT
cblr-1712	357	1	82	82	NUM
cblr-1712	357	2	see	see	VERB
cblr-1712	357	3	2015	2015	NUM
cblr-1712	357	4	arbitration	arbitration	NOUN
cblr-1712	357	5	study	study	NOUN
cblr-1712	357	6	,	,	PUNCT
cblr-1712	357	7	supra	supra	PROPN
cblr-1712	357	8	note	note	NOUN
cblr-1712	357	9	22	22	NUM
cblr-1712	357	10	.	.	PUNCT
cblr-1712	358	1	johnston	johnston	PROPN
cblr-1712	358	2	–	–	PUNCT
cblr-1712	358	3	final	final	ADJ
cblr-1712	358	4	32	32	NUM
cblr-1712	358	5	columbia	columbia	PROPN
cblr-1712	358	6	business	business	NOUN
cblr-1712	358	7	law	law	PROPN
cblr-1712	358	8	review	review	NOUN
cblr-1712	358	9	[	[	X
cblr-1712	358	10	vol	vol	NOUN
cblr-1712	358	11	.	.	NOUN
cblr-1712	358	12	2017	2017	NUM
cblr-1712	358	13	between	between	ADP
cblr-1712	358	14	$	$	SYM
cblr-1712	358	15	8000	8000	NUM
cblr-1712	358	16	and	and	CCONJ
cblr-1712	358	17	$	$	SYM
cblr-1712	358	18	79,000	79,000	NUM
cblr-1712	358	19	.	.	PUNCT
cblr-1712	359	1	on	on	ADP
cblr-1712	359	2	average,83	average,83	NUM
cblr-1712	359	3	the	the	DET
cblr-1712	359	4	actual	actual	ADJ
cblr-1712	359	5	aggregate	aggregate	ADJ
cblr-1712	359	6	class	class	NOUN
cblr-1712	359	7	recovery	recovery	NOUN
cblr-1712	359	8	—	—	PUNCT
cblr-1712	359	9	the	the	DET
cblr-1712	359	10	total	total	ADJ
cblr-1712	359	11	amount	amount	NOUN
cblr-1712	359	12	received	receive	VERB
cblr-1712	359	13	by	by	ADP
cblr-1712	359	14	class	class	NOUN
cblr-1712	359	15	members	member	NOUN
cblr-1712	359	16	—	—	PUNCT
cblr-1712	359	17	in	in	ADP
cblr-1712	359	18	the	the	DET
cblr-1712	359	19	atm	atm	NOUN
cblr-1712	359	20	notice	notice	NOUN
cblr-1712	359	21	failures	failure	NOUN
cblr-1712	359	22	was	be	AUX
cblr-1712	359	23	only	only	ADV
cblr-1712	359	24	46	46	NUM
cblr-1712	359	25	%	%	NOUN
cblr-1712	359	26	of	of	ADP
cblr-1712	359	27	the	the	DET
cblr-1712	359	28	nominal	nominal	ADJ
cblr-1712	359	29	settlement	settlement	NOUN
cblr-1712	359	30	amount	amount	NOUN
cblr-1712	359	31	.	.	PUNCT
cblr-1712	360	1	on	on	ADP
cblr-1712	360	2	average	average	ADJ
cblr-1712	360	3	,	,	PUNCT
cblr-1712	360	4	although	although	SCONJ
cblr-1712	360	5	individual	individual	ADJ
cblr-1712	360	6	class	class	NOUN
cblr-1712	360	7	members	member	NOUN
cblr-1712	360	8	who	who	PRON
cblr-1712	360	9	were	be	AUX
cblr-1712	360	10	paid	pay	VERB
cblr-1712	360	11	each	each	PRON
cblr-1712	360	12	received	receive	VERB
cblr-1712	360	13	$	$	SYM
cblr-1712	360	14	880	880	NUM
cblr-1712	360	15	,	,	PUNCT
cblr-1712	360	16	only	only	ADV
cblr-1712	360	17	8.5	8.5	NUM
cblr-1712	360	18	%	%	NOUN
cblr-1712	360	19	of	of	ADP
cblr-1712	360	20	the	the	DET
cblr-1712	360	21	class	class	NOUN
cblr-1712	360	22	received	receive	VERB
cblr-1712	360	23	any	any	DET
cblr-1712	360	24	compensation	compensation	NOUN
cblr-1712	360	25	.	.	PUNCT
cblr-1712	361	1	by	by	ADP
cblr-1712	361	2	contrast	contrast	NOUN
cblr-1712	361	3	,	,	PUNCT
cblr-1712	361	4	attorneys	attorney	NOUN
cblr-1712	361	5	’	'	PUNCT
cblr-1712	361	6	fees	fee	NOUN
cblr-1712	361	7	averaged	average	VERB
cblr-1712	361	8	55	55	NUM
cblr-1712	361	9	%	%	NOUN
cblr-1712	361	10	of	of	ADP
cblr-1712	361	11	the	the	DET
cblr-1712	361	12	nominal	nominal	ADJ
cblr-1712	361	13	settlement	settlement	NOUN
cblr-1712	361	14	amount	amount	NOUN
cblr-1712	361	15	but	but	CCONJ
cblr-1712	361	16	200	200	NUM
cblr-1712	361	17	%	%	NOUN
cblr-1712	361	18	of	of	ADP
cblr-1712	361	19	the	the	DET
cblr-1712	361	20	actual	actual	ADJ
cblr-1712	361	21	aggregate	aggregate	ADJ
cblr-1712	361	22	payout	payout	NOUN
cblr-1712	361	23	.	.	PUNCT
cblr-1712	362	1	in	in	ADP
cblr-1712	362	2	aggregate	aggregate	ADJ
cblr-1712	362	3	,	,	PUNCT
cblr-1712	362	4	rather	rather	ADV
cblr-1712	362	5	than	than	ADP
cblr-1712	362	6	in	in	ADP
cblr-1712	362	7	average	average	ADJ
cblr-1712	362	8	numbers	number	NOUN
cblr-1712	362	9	,	,	PUNCT
cblr-1712	362	10	across	across	ADP
cblr-1712	362	11	all	all	DET
cblr-1712	362	12	atm	atm	NOUN
cblr-1712	362	13	notice	notice	NOUN
cblr-1712	362	14	failure	failure	NOUN
cblr-1712	362	15	settlements	settlement	NOUN
cblr-1712	362	16	,	,	PUNCT
cblr-1712	362	17	the	the	DET
cblr-1712	362	18	class	class	NOUN
cblr-1712	362	19	compensation	compensation	NOUN
cblr-1712	362	20	rate	rate	NOUN
cblr-1712	362	21	was	be	AUX
cblr-1712	362	22	a	a	DET
cblr-1712	362	23	slightly	slightly	ADV
cblr-1712	362	24	higher	high	ADJ
cblr-1712	362	25	10	10	NUM
cblr-1712	362	26	%	%	NOUN
cblr-1712	362	27	.	.	PUNCT
cblr-1712	363	1	however	however	ADV
cblr-1712	363	2	,	,	PUNCT
cblr-1712	363	3	the	the	DET
cblr-1712	363	4	total	total	ADJ
cblr-1712	363	5	payout	payout	NOUN
cblr-1712	363	6	to	to	ADP
cblr-1712	363	7	all	all	DET
cblr-1712	363	8	class	class	NOUN
cblr-1712	363	9	members	member	NOUN
cblr-1712	363	10	was	be	AUX
cblr-1712	363	11	$	$	SYM
cblr-1712	363	12	169,500	169,500	NUM
cblr-1712	363	13	,	,	PUNCT
cblr-1712	363	14	with	with	ADP
cblr-1712	363	15	total	total	ADJ
cblr-1712	363	16	attorneys	attorney	NOUN
cblr-1712	363	17	’	'	PUNCT
cblr-1712	363	18	fees	fee	NOUN
cblr-1712	363	19	of	of	ADP
cblr-1712	363	20	$	$	SYM
cblr-1712	363	21	198,000	198,000	NUM
cblr-1712	363	22	.	.	PUNCT
cblr-1712	364	1	thus	thus	ADV
cblr-1712	364	2	,	,	PUNCT
cblr-1712	364	3	even	even	ADV
cblr-1712	364	4	in	in	ADP
cblr-1712	364	5	aggregate	aggregate	ADJ
cblr-1712	364	6	,	,	PUNCT
cblr-1712	364	7	attorneys	attorney	NOUN
cblr-1712	364	8	’	'	PUNCT
cblr-1712	364	9	fees	fee	NOUN
cblr-1712	364	10	were	be	AUX
cblr-1712	364	11	larger	large	ADJ
cblr-1712	364	12	than	than	ADP
cblr-1712	364	13	the	the	DET
cblr-1712	364	14	amount	amount	NOUN
cblr-1712	364	15	paid	pay	VERB
cblr-1712	364	16	to	to	ADP
cblr-1712	364	17	class	class	NOUN
cblr-1712	364	18	members	member	NOUN
cblr-1712	364	19	.	.	PUNCT
cblr-1712	365	1	despite	despite	SCONJ
cblr-1712	365	2	their	their	PRON
cblr-1712	365	3	relatively	relatively	ADV
cblr-1712	365	4	small	small	ADJ
cblr-1712	365	5	payouts	payout	NOUN
cblr-1712	365	6	,	,	PUNCT
cblr-1712	365	7	the	the	DET
cblr-1712	365	8	atm	atm	NOUN
cblr-1712	365	9	notice	notice	NOUN
cblr-1712	365	10	failure	failure	NOUN
cblr-1712	365	11	cases	case	NOUN
cblr-1712	365	12	demonstrate	demonstrate	VERB
cblr-1712	365	13	the	the	DET
cblr-1712	365	14	behavior	behavior	NOUN
cblr-1712	365	15	that	that	PRON
cblr-1712	365	16	congress	congress	PROPN
cblr-1712	365	17	incentivized	incentivize	VERB
cblr-1712	365	18	through	through	ADP
cblr-1712	365	19	statutory	statutory	ADJ
cblr-1712	365	20	causes	cause	NOUN
cblr-1712	365	21	of	of	ADP
cblr-1712	365	22	action	action	NOUN
cblr-1712	365	23	combining	combine	VERB
cblr-1712	365	24	statutory	statutory	ADJ
cblr-1712	365	25	damages	damage	NOUN
cblr-1712	365	26	without	without	ADP
cblr-1712	365	27	proof	proof	NOUN
cblr-1712	365	28	of	of	ADP
cblr-1712	365	29	harm	harm	NOUN
cblr-1712	365	30	with	with	ADP
cblr-1712	365	31	the	the	DET
cblr-1712	365	32	classaction	classaction	NOUN
cblr-1712	365	33	procedural	procedural	ADJ
cblr-1712	365	34	device	device	NOUN
cblr-1712	365	35	.	.	PUNCT
cblr-1712	366	1	in	in	ADP
cblr-1712	366	2	general	general	ADJ
cblr-1712	366	3	,	,	PUNCT
cblr-1712	366	4	the	the	DET
cblr-1712	366	5	incentives	incentive	NOUN
cblr-1712	366	6	cause	cause	VERB
cblr-1712	366	7	a	a	DET
cblr-1712	366	8	feeding	feeding	NOUN
cblr-1712	366	9	frenzy	frenzy	NOUN
cblr-1712	366	10	of	of	ADP
cblr-1712	366	11	class	class	NOUN
cblr-1712	366	12	-	-	PUNCT
cblr-1712	366	13	action	action	NOUN
cblr-1712	366	14	filings	filing	NOUN
cblr-1712	366	15	even	even	ADV
cblr-1712	366	16	though	though	SCONJ
cblr-1712	366	17	the	the	DET
cblr-1712	366	18	allegedly	allegedly	ADV
cblr-1712	366	19	illegal	illegal	ADJ
cblr-1712	366	20	behavior	behavior	NOUN
cblr-1712	366	21	caused	cause	VERB
cblr-1712	366	22	no	no	DET
cblr-1712	366	23	actual	actual	ADJ
cblr-1712	366	24	harm	harm	NOUN
cblr-1712	366	25	.	.	PUNCT
cblr-1712	367	1	congress	congress	PROPN
cblr-1712	367	2	recognized	recognize	VERB
cblr-1712	367	3	that	that	SCONJ
cblr-1712	367	4	the	the	DET
cblr-1712	367	5	atm	atm	NOUN
cblr-1712	367	6	notice	notice	NOUN
cblr-1712	367	7	failure	failure	NOUN
cblr-1712	367	8	cases	case	NOUN
cblr-1712	367	9	involved	involve	VERB
cblr-1712	367	10	no	no	DET
cblr-1712	367	11	consumer	consumer	NOUN
cblr-1712	367	12	harm	harm	NOUN
cblr-1712	367	13	when	when	SCONJ
cblr-1712	367	14	,	,	PUNCT
cblr-1712	367	15	in	in	ADP
cblr-1712	367	16	december	december	PROPN
cblr-1712	367	17	2012	2012	NUM
cblr-1712	367	18	,	,	PUNCT
cblr-1712	367	19	congress	congress	PROPN
cblr-1712	367	20	voted	vote	VERB
cblr-1712	367	21	to	to	PART
cblr-1712	367	22	eliminate	eliminate	VERB
cblr-1712	367	23	the	the	DET
cblr-1712	367	24	“	"	PUNCT
cblr-1712	367	25	on	on	ADP
cblr-1712	367	26	or	or	CCONJ
cblr-1712	367	27	at	at	ADP
cblr-1712	367	28	”	"	PUNCT
cblr-1712	367	29	atm	atm	PROPN
cblr-1712	367	30	notice	notice	PROPN
cblr-1712	367	31	requirement.84	requirement.84	PROPN
cblr-1712	367	32	as	as	ADP
cblr-1712	367	33	the	the	DET
cblr-1712	367	34	cfpb	cfpb	NOUN
cblr-1712	367	35	noted	note	VERB
cblr-1712	367	36	in	in	ADP
cblr-1712	367	37	its	its	PRON
cblr-1712	367	38	2013	2013	NUM
cblr-1712	367	39	rulemaking	rulemaking	NOUN
cblr-1712	367	40	,	,	PUNCT
cblr-1712	367	41	consumer	consumer	NOUN
cblr-1712	367	42	groups	group	NOUN
cblr-1712	367	43	had	have	AUX
cblr-1712	367	44	argued	argue	VERB
cblr-1712	367	45	against	against	ADP
cblr-1712	367	46	this	this	DET
cblr-1712	367	47	elimination	elimination	NOUN
cblr-1712	367	48	on	on	ADP
cblr-1712	367	49	the	the	DET
cblr-1712	367	50	ground	ground	NOUN
cblr-1712	367	51	that	that	SCONJ
cblr-1712	367	52	the	the	DET
cblr-1712	367	53	“	"	PUNCT
cblr-1712	367	54	on	on	ADP
cblr-1712	367	55	or	or	CCONJ
cblr-1712	367	56	at	at	ADP
cblr-1712	367	57	”	"	PUNCT
cblr-1712	367	58	notice	notice	NOUN
cblr-1712	367	59	might	might	AUX
cblr-1712	367	60	have	have	AUX
cblr-1712	367	61	been	be	AUX
cblr-1712	367	62	a	a	DET
cblr-1712	367	63	consumer	consumer	NOUN
cblr-1712	367	64	’s	’s	PART
cblr-1712	367	65	only	only	ADJ
cblr-1712	367	66	indication	indication	NOUN
cblr-1712	367	67	that	that	SCONJ
cblr-1712	367	68	the	the	DET
cblr-1712	367	69	atm	atm	NOUN
cblr-1712	367	70	would	would	AUX
cblr-1712	367	71	charge	charge	VERB
cblr-1712	367	72	a	a	DET
cblr-1712	367	73	fee	fee	NOUN
cblr-1712	367	74	-	-	PUNCT
cblr-1712	367	75	for	for	ADP
cblr-1712	367	76	-	-	PUNCT
cblr-1712	367	77	use.85	use.85	ADJ
cblr-1712	367	78	in	in	ADP
cblr-1712	367	79	the	the	DET
cblr-1712	367	80	end	end	NOUN
cblr-1712	367	81	,	,	PUNCT
cblr-1712	367	82	it	it	PRON
cblr-1712	367	83	seems	seem	VERB
cblr-1712	367	84	that	that	SCONJ
cblr-1712	367	85	congress	congress	PROPN
cblr-1712	367	86	agreed	agree	VERB
cblr-1712	367	87	with	with	ADP
cblr-1712	367	88	the	the	DET
cblr-1712	367	89	atm	atm	NOUN
cblr-1712	367	90	providers	provider	NOUN
cblr-1712	367	91	’	'	PUNCT
cblr-1712	367	92	commonsensical	commonsensical	ADJ
cblr-1712	367	93	argument	argument	NOUN
cblr-1712	367	94	that	that	SCONJ
cblr-1712	367	95	since	since	SCONJ
cblr-1712	367	96	every	every	DET
cblr-1712	367	97	atm	atm	NOUN
cblr-1712	367	98	had	have	VERB
cblr-1712	367	99	an	an	DET
cblr-1712	367	100	on	on	ADP
cblr-1712	367	101	83	83	NUM
cblr-1712	367	102	unless	unless	SCONJ
cblr-1712	367	103	otherwise	otherwise	ADV
cblr-1712	367	104	noted	note	VERB
cblr-1712	367	105	,	,	PUNCT
cblr-1712	367	106	only	only	ADV
cblr-1712	367	107	unweighted	unweighte	VERB
cblr-1712	367	108	,	,	PUNCT
cblr-1712	367	109	numerical	numerical	ADJ
cblr-1712	367	110	averages	average	NOUN
cblr-1712	367	111	are	be	AUX
cblr-1712	367	112	reported	report	VERB
cblr-1712	367	113	.	.	PUNCT
cblr-1712	368	1	84	84	NUM
cblr-1712	368	2	act	act	NOUN
cblr-1712	368	3	of	of	ADP
cblr-1712	368	4	dec	dec	PROPN
cblr-1712	368	5	.	.	PROPN
cblr-1712	368	6	20	20	NUM
cblr-1712	368	7	,	,	PUNCT
cblr-1712	368	8	2012	2012	NUM
cblr-1712	368	9	,	,	PUNCT
cblr-1712	368	10	pub	pub	NOUN
cblr-1712	368	11	.	.	PUNCT
cblr-1712	369	1	l.	l.	PROPN
cblr-1712	369	2	no	no	INTJ
cblr-1712	369	3	.	.	PROPN
cblr-1712	370	1	112	112	NUM
cblr-1712	370	2	-	-	SYM
cblr-1712	370	3	216	216	NUM
cblr-1712	370	4	,	,	PUNCT
cblr-1712	370	5	126	126	NUM
cblr-1712	370	6	stat	stat	NOUN
cblr-1712	370	7	.	.	PUNCT
cblr-1712	371	1	1590	1590	NUM
cblr-1712	371	2	.	.	PUNCT
cblr-1712	371	3	85	85	NUM
cblr-1712	371	4	disclosures	disclosure	NOUN
cblr-1712	371	5	at	at	ADP
cblr-1712	371	6	automated	automate	VERB
cblr-1712	371	7	teller	teller	NOUN
cblr-1712	371	8	machines	machine	NOUN
cblr-1712	371	9	(	(	PUNCT
cblr-1712	371	10	regulation	regulation	NOUN
cblr-1712	371	11	e	e	NOUN
cblr-1712	371	12	)	)	PUNCT
cblr-1712	371	13	,	,	PUNCT
cblr-1712	371	14	78	78	NUM
cblr-1712	371	15	fed	feed	VERB
cblr-1712	371	16	.	.	PUNCT
cblr-1712	372	1	reg	reg	PROPN
cblr-1712	372	2	.	.	PUNCT
cblr-1712	373	1	18,221	18,221	NUM
cblr-1712	373	2	,	,	PUNCT
cblr-1712	373	3	18,222	18,222	NUM
cblr-1712	373	4	(	(	PUNCT
cblr-1712	373	5	mar	mar	PROPN
cblr-1712	373	6	.	.	PROPN
cblr-1712	373	7	26	26	NUM
cblr-1712	373	8	,	,	PUNCT
cblr-1712	373	9	2013	2013	NUM
cblr-1712	373	10	)	)	PUNCT
cblr-1712	374	1	(	(	PUNCT
cblr-1712	374	2	to	to	PART
cblr-1712	374	3	be	be	AUX
cblr-1712	374	4	codified	codify	VERB
cblr-1712	374	5	at	at	ADP
cblr-1712	374	6	12	12	NUM
cblr-1712	374	7	c.f.r	c.f.r	NOUN
cblr-1712	374	8	.	.	PUNCT
cblr-1712	375	1	pt	pt	PROPN
cblr-1712	375	2	.	.	PROPN
cblr-1712	375	3	1005	1005	NUM
cblr-1712	375	4	)	)	PUNCT
cblr-1712	375	5	.	.	PUNCT
cblr-1712	376	1	johnston	johnston	PROPN
cblr-1712	376	2	–	–	PUNCT
cblr-1712	376	3	final	final	ADJ
cblr-1712	376	4	no	no	NOUN
cblr-1712	376	5	.	.	NOUN
cblr-1712	376	6	1:1	1:1	NUM
cblr-1712	376	7	]	]	X
cblr-1712	376	8	high	high	ADJ
cblr-1712	376	9	cost	cost	NOUN
cblr-1712	376	10	,	,	PUNCT
cblr-1712	376	11	little	little	ADJ
cblr-1712	376	12	compensation	compensation	NOUN
cblr-1712	376	13	33	33	NUM
cblr-1712	376	14	screen	screen	NOUN
cblr-1712	376	15	fee	fee	NOUN
cblr-1712	376	16	notice	notice	NOUN
cblr-1712	376	17	,	,	PUNCT
cblr-1712	376	18	the	the	DET
cblr-1712	376	19	“	"	PUNCT
cblr-1712	376	20	on	on	ADP
cblr-1712	376	21	or	or	CCONJ
cblr-1712	376	22	at	at	ADP
cblr-1712	376	23	”	"	PUNCT
cblr-1712	376	24	notice	notice	NOUN
cblr-1712	376	25	provided	provide	VERB
cblr-1712	376	26	no	no	DET
cblr-1712	376	27	social	social	ADJ
cblr-1712	376	28	utility.86	utility.86	NOUN
cblr-1712	376	29	second	second	ADJ
cblr-1712	376	30	,	,	PUNCT
cblr-1712	376	31	the	the	DET
cblr-1712	376	32	now	now	ADV
cblr-1712	376	33	-	-	PUNCT
cblr-1712	376	34	extinct	extinct	ADJ
cblr-1712	376	35	atm	atm	NOUN
cblr-1712	376	36	notice	notice	NOUN
cblr-1712	376	37	failure	failure	NOUN
cblr-1712	376	38	class	class	NOUN
cblr-1712	376	39	actions	action	NOUN
cblr-1712	376	40	demonstrate	demonstrate	VERB
cblr-1712	376	41	that	that	SCONJ
cblr-1712	376	42	class	class	NOUN
cblr-1712	376	43	compensation	compensation	NOUN
cblr-1712	376	44	rates	rate	NOUN
cblr-1712	376	45	in	in	ADP
cblr-1712	376	46	class	class	NOUN
cblr-1712	376	47	settlements	settlement	NOUN
cblr-1712	376	48	—	—	PUNCT
cblr-1712	376	49	the	the	DET
cblr-1712	376	50	fraction	fraction	NOUN
cblr-1712	376	51	of	of	ADP
cblr-1712	376	52	a	a	DET
cblr-1712	376	53	class	class	NOUN
cblr-1712	376	54	that	that	PRON
cblr-1712	376	55	actually	actually	ADV
cblr-1712	376	56	gets	get	VERB
cblr-1712	376	57	any	any	DET
cblr-1712	376	58	money	money	NOUN
cblr-1712	376	59	from	from	ADP
cblr-1712	376	60	the	the	DET
cblr-1712	376	61	settlement	settlement	NOUN
cblr-1712	376	62	—	—	PUNCT
cblr-1712	376	63	are	be	AUX
cblr-1712	376	64	sometimes	sometimes	ADV
cblr-1712	376	65	low	low	ADJ
cblr-1712	376	66	simply	simply	ADV
cblr-1712	376	67	because	because	SCONJ
cblr-1712	376	68	the	the	DET
cblr-1712	376	69	class	class	NOUN
cblr-1712	376	70	actions	action	NOUN
cblr-1712	376	71	involve	involve	VERB
cblr-1712	376	72	small	small	ADJ
cblr-1712	376	73	stakes	stake	NOUN
cblr-1712	376	74	.	.	PUNCT
cblr-1712	377	1	for	for	SCONJ
cblr-1712	377	2	smallstakes	smallstake	NOUN
cblr-1712	377	3	class	class	NOUN
cblr-1712	377	4	actions	action	NOUN
cblr-1712	377	5	to	to	PART
cblr-1712	377	6	be	be	AUX
cblr-1712	377	7	economically	economically	ADV
cblr-1712	377	8	attractive	attractive	ADJ
cblr-1712	377	9	to	to	ADP
cblr-1712	377	10	class	class	NOUN
cblr-1712	377	11	attorneys	attorney	NOUN
cblr-1712	377	12	,	,	PUNCT
cblr-1712	377	13	courts	court	NOUN
cblr-1712	377	14	must	must	AUX
cblr-1712	377	15	ensure	ensure	VERB
cblr-1712	377	16	a	a	DET
cblr-1712	377	17	sufficiently	sufficiently	ADV
cblr-1712	377	18	low	low	ADJ
cblr-1712	377	19	cost	cost	NOUN
cblr-1712	377	20	of	of	ADP
cblr-1712	377	21	notifying	notify	VERB
cblr-1712	377	22	class	class	NOUN
cblr-1712	377	23	members	member	NOUN
cblr-1712	377	24	of	of	ADP
cblr-1712	377	25	settlements	settlement	NOUN
cblr-1712	377	26	.	.	PUNCT
cblr-1712	378	1	but	but	CCONJ
cblr-1712	378	2	low	low	ADJ
cblr-1712	378	3	-	-	PUNCT
cblr-1712	378	4	cost	cost	NOUN
cblr-1712	378	5	notice	notice	NOUN
cblr-1712	378	6	is	be	AUX
cblr-1712	378	7	more	more	ADV
cblr-1712	378	8	often	often	ADV
cblr-1712	378	9	than	than	ADP
cblr-1712	378	10	not	not	PART
cblr-1712	378	11	ineffective	ineffective	ADJ
cblr-1712	378	12	notice	notice	NOUN
cblr-1712	378	13	.	.	PUNCT
cblr-1712	379	1	in	in	ADP
cblr-1712	379	2	the	the	DET
cblr-1712	379	3	case	case	NOUN
cblr-1712	379	4	of	of	ADP
cblr-1712	379	5	atm	atm	PROPN
cblr-1712	379	6	notice	notice	NOUN
cblr-1712	379	7	failure	failure	NOUN
cblr-1712	379	8	settlements	settlement	NOUN
cblr-1712	379	9	,	,	PUNCT
cblr-1712	379	10	the	the	DET
cblr-1712	379	11	average	average	ADJ
cblr-1712	379	12	reported	report	VERB
cblr-1712	379	13	compensation	compensation	NOUN
cblr-1712	379	14	rate	rate	NOUN
cblr-1712	379	15	was	be	AUX
cblr-1712	379	16	only	only	ADV
cblr-1712	379	17	8.5%.87	8.5%.87	NUM
cblr-1712	379	18	this	this	DET
cblr-1712	379	19	low	low	ADJ
cblr-1712	379	20	compensation	compensation	NOUN
cblr-1712	379	21	86	86	NUM
cblr-1712	379	22	zero	zero	NUM
cblr-1712	379	23	social	social	ADJ
cblr-1712	379	24	utility	utility	NOUN
cblr-1712	379	25	had	have	VERB
cblr-1712	379	26	to	to	PART
cblr-1712	379	27	be	be	AUX
cblr-1712	379	28	balanced	balance	VERB
cblr-1712	379	29	against	against	ADP
cblr-1712	379	30	the	the	DET
cblr-1712	379	31	facts	fact	NOUN
cblr-1712	379	32	that	that	SCONJ
cblr-1712	379	33	,	,	PUNCT
cblr-1712	379	34	not	not	PART
cblr-1712	379	35	only	only	ADV
cblr-1712	379	36	was	be	AUX
cblr-1712	379	37	it	it	PRON
cblr-1712	379	38	costly	costly	ADJ
cblr-1712	379	39	for	for	SCONJ
cblr-1712	379	40	atm	atm	PROPN
cblr-1712	379	41	owners	owner	NOUN
cblr-1712	379	42	to	to	PART
cblr-1712	379	43	maintain	maintain	VERB
cblr-1712	379	44	such	such	ADJ
cblr-1712	379	45	notices	notice	NOUN
cblr-1712	379	46	,	,	PUNCT
cblr-1712	379	47	but	but	CCONJ
cblr-1712	379	48	the	the	DET
cblr-1712	379	49	tidal	tidal	ADJ
cblr-1712	379	50	wave	wave	NOUN
cblr-1712	379	51	of	of	ADP
cblr-1712	379	52	atm	atm	PROPN
cblr-1712	379	53	notice	notice	NOUN
cblr-1712	379	54	litigation	litigation	NOUN
cblr-1712	379	55	was	be	AUX
cblr-1712	379	56	adding	add	VERB
cblr-1712	379	57	to	to	ADP
cblr-1712	379	58	financial	financial	ADJ
cblr-1712	379	59	institution	institution	NOUN
cblr-1712	379	60	costs	cost	VERB
cblr-1712	379	61	with	with	ADP
cblr-1712	379	62	some	some	PRON
cblr-1712	379	63	of	of	ADP
cblr-1712	379	64	the	the	DET
cblr-1712	379	65	litigation	litigation	NOUN
cblr-1712	379	66	(	(	PUNCT
cblr-1712	379	67	at	at	ADP
cblr-1712	379	68	least	least	ADJ
cblr-1712	379	69	according	accord	VERB
cblr-1712	379	70	to	to	ADP
cblr-1712	379	71	the	the	DET
cblr-1712	379	72	banking	banking	NOUN
cblr-1712	379	73	industry	industry	NOUN
cblr-1712	379	74	)	)	PUNCT
cblr-1712	379	75	manufactured	manufacture	VERB
cblr-1712	379	76	by	by	ADP
cblr-1712	379	77	plaintiffs	plaintiff	NOUN
cblr-1712	379	78	whom	whom	PRON
cblr-1712	379	79	banks	bank	NOUN
cblr-1712	379	80	believed	believe	VERB
cblr-1712	379	81	(	(	PUNCT
cblr-1712	379	82	but	but	CCONJ
cblr-1712	379	83	had	have	VERB
cblr-1712	379	84	difficulties	difficulty	NOUN
cblr-1712	379	85	proving	prove	VERB
cblr-1712	379	86	)	)	PUNCT
cblr-1712	379	87	had	have	AUX
cblr-1712	379	88	deliberately	deliberately	ADV
cblr-1712	379	89	removed	remove	VERB
cblr-1712	379	90	atm	atm	NOUN
cblr-1712	379	91	notices	notice	NOUN
cblr-1712	379	92	just	just	ADV
cblr-1712	379	93	to	to	PART
cblr-1712	379	94	generate	generate	VERB
cblr-1712	379	95	a	a	DET
cblr-1712	379	96	cause	cause	NOUN
cblr-1712	379	97	of	of	ADP
cblr-1712	379	98	action	action	NOUN
cblr-1712	379	99	.	.	PUNCT
cblr-1712	380	1	see	see	VERB
cblr-1712	380	2	disclosures	disclosure	NOUN
cblr-1712	380	3	at	at	ADP
cblr-1712	380	4	automated	automate	VERB
cblr-1712	380	5	teller	teller	NOUN
cblr-1712	380	6	machines	machine	NOUN
cblr-1712	380	7	(	(	PUNCT
cblr-1712	380	8	regulation	regulation	NOUN
cblr-1712	380	9	e	e	NOUN
cblr-1712	380	10	)	)	PUNCT
cblr-1712	380	11	,	,	PUNCT
cblr-1712	380	12	78	78	NUM
cblr-1712	380	13	fed	feed	VERB
cblr-1712	380	14	.	.	PUNCT
cblr-1712	381	1	reg	reg	PROPN
cblr-1712	381	2	.	.	PUNCT
cblr-1712	382	1	at	at	ADP
cblr-1712	382	2	18,222	18,222	NUM
cblr-1712	382	3	.	.	PUNCT
cblr-1712	382	4	87	87	NUM
cblr-1712	382	5	as	as	ADP
cblr-1712	382	6	appendix	appendix	NOUN
cblr-1712	382	7	1	1	NUM
cblr-1712	382	8	reports	report	NOUN
cblr-1712	382	9	,	,	PUNCT
cblr-1712	382	10	in	in	ADP
cblr-1712	382	11	barreto	barreto	PROPN
cblr-1712	382	12	v.	v.	PROPN
cblr-1712	382	13	center	center	PROPN
cblr-1712	382	14	bank	bank	PROPN
cblr-1712	382	15	,	,	PUNCT
cblr-1712	382	16	the	the	DET
cblr-1712	382	17	compensation	compensation	NOUN
cblr-1712	382	18	rate	rate	NOUN
cblr-1712	382	19	was	be	AUX
cblr-1712	382	20	5	5	NUM
cblr-1712	382	21	%	%	NOUN
cblr-1712	382	22	,	,	PUNCT
cblr-1712	382	23	and	and	CCONJ
cblr-1712	382	24	in	in	ADP
cblr-1712	382	25	loewy	loewy	PROPN
cblr-1712	382	26	v.	v.	ADP
cblr-1712	382	27	rbs	rbs	PROPN
cblr-1712	382	28	citizens	citizens	PROPN
cblr-1712	382	29	bank	bank	PROPN
cblr-1712	382	30	,	,	PUNCT
cblr-1712	382	31	the	the	DET
cblr-1712	382	32	class	class	NOUN
cblr-1712	382	33	compensation	compensation	NOUN
cblr-1712	382	34	rate	rate	NOUN
cblr-1712	382	35	was	be	AUX
cblr-1712	382	36	12	12	NUM
cblr-1712	382	37	%	%	NOUN
cblr-1712	382	38	.	.	PUNCT
cblr-1712	383	1	the	the	DET
cblr-1712	383	2	average	average	ADJ
cblr-1712	383	3	compensation	compensation	NOUN
cblr-1712	383	4	rate	rate	NOUN
cblr-1712	383	5	for	for	ADP
cblr-1712	383	6	these	these	DET
cblr-1712	383	7	two	two	NUM
cblr-1712	383	8	atm	atm	NOUN
cblr-1712	383	9	“	"	PUNCT
cblr-1712	383	10	on	on	ADP
cblr-1712	383	11	or	or	CCONJ
cblr-1712	383	12	at	at	ADP
cblr-1712	383	13	”	"	PUNCT
cblr-1712	383	14	notice	notice	NOUN
cblr-1712	383	15	cases	case	NOUN
cblr-1712	383	16	is	be	AUX
cblr-1712	383	17	8.5	8.5	NUM
cblr-1712	383	18	%	%	NOUN
cblr-1712	383	19	,	,	PUNCT
cblr-1712	383	20	and	and	CCONJ
cblr-1712	383	21	that	that	PRON
cblr-1712	383	22	is	be	AUX
cblr-1712	383	23	the	the	DET
cblr-1712	383	24	number	number	NOUN
cblr-1712	383	25	reported	report	VERB
cblr-1712	383	26	above	above	ADV
cblr-1712	383	27	in	in	ADP
cblr-1712	383	28	the	the	DET
cblr-1712	383	29	text	text	NOUN
cblr-1712	383	30	.	.	PUNCT
cblr-1712	384	1	this	this	DET
cblr-1712	384	2	rate	rate	NOUN
cblr-1712	384	3	is	be	AUX
cblr-1712	384	4	consistent	consistent	ADJ
cblr-1712	384	5	with	with	ADP
cblr-1712	384	6	what	what	PRON
cblr-1712	384	7	one	one	PRON
cblr-1712	384	8	would	would	AUX
cblr-1712	384	9	infer	infer	VERB
cblr-1712	384	10	from	from	ADP
cblr-1712	384	11	the	the	DET
cblr-1712	384	12	information	information	NOUN
cblr-1712	384	13	reported	report	VERB
cblr-1712	384	14	about	about	ADP
cblr-1712	384	15	other	other	ADJ
cblr-1712	384	16	atm	atm	NOUN
cblr-1712	384	17	“	"	PUNCT
cblr-1712	384	18	on	on	ADP
cblr-1712	384	19	or	or	CCONJ
cblr-1712	384	20	at	at	ADP
cblr-1712	384	21	”	"	PUNCT
cblr-1712	384	22	notice	notice	NOUN
cblr-1712	384	23	cases	case	NOUN
cblr-1712	384	24	.	.	PUNCT
cblr-1712	385	1	as	as	SCONJ
cblr-1712	385	2	can	can	AUX
cblr-1712	385	3	be	be	AUX
cblr-1712	385	4	seen	see	VERB
cblr-1712	385	5	from	from	ADP
cblr-1712	385	6	appendix	appendix	NOUN
cblr-1712	385	7	1	1	NUM
cblr-1712	385	8	,	,	PUNCT
cblr-1712	385	9	in	in	ADP
cblr-1712	385	10	several	several	ADJ
cblr-1712	385	11	atm	atm	NOUN
cblr-1712	385	12	“	"	PUNCT
cblr-1712	385	13	on	on	ADP
cblr-1712	385	14	or	or	CCONJ
cblr-1712	385	15	at	at	ADP
cblr-1712	385	16	”	"	PUNCT
cblr-1712	385	17	notice	notice	NOUN
cblr-1712	385	18	cases	case	NOUN
cblr-1712	385	19	(	(	PUNCT
cblr-1712	385	20	goldshteyn	goldshteyn	NOUN
cblr-1712	385	21	,	,	PUNCT
cblr-1712	385	22	nguyen	nguyen	NOUN
cblr-1712	385	23	,	,	PUNCT
cblr-1712	385	24	and	and	CCONJ
cblr-1712	385	25	louisma	louisma	PROPN
cblr-1712	385	26	)	)	PUNCT
cblr-1712	385	27	,	,	PUNCT
cblr-1712	385	28	class	class	NOUN
cblr-1712	385	29	counsel	counsel	NOUN
cblr-1712	385	30	did	do	AUX
cblr-1712	385	31	provide	provide	VERB
cblr-1712	385	32	an	an	DET
cblr-1712	385	33	estimate	estimate	NOUN
cblr-1712	385	34	of	of	ADP
cblr-1712	385	35	the	the	DET
cblr-1712	385	36	number	number	NOUN
cblr-1712	385	37	of	of	ADP
cblr-1712	385	38	allegedly	allegedly	ADV
cblr-1712	385	39	un	un	ADJ
cblr-1712	385	40	-	-	ADJ
cblr-1712	385	41	noticed	noticed	ADJ
cblr-1712	385	42	atm	atm	NOUN
cblr-1712	385	43	transactions	transaction	NOUN
cblr-1712	385	44	.	.	PUNCT
cblr-1712	386	1	over	over	ADP
cblr-1712	386	2	the	the	DET
cblr-1712	386	3	three	three	NUM
cblr-1712	386	4	cases	case	NOUN
cblr-1712	386	5	,	,	PUNCT
cblr-1712	386	6	this	this	DET
cblr-1712	386	7	number	number	NOUN
cblr-1712	386	8	was	be	AUX
cblr-1712	386	9	large	large	ADJ
cblr-1712	386	10	,	,	PUNCT
cblr-1712	386	11	averaging	average	VERB
cblr-1712	386	12	19,400	19,400	NUM
cblr-1712	386	13	for	for	ADP
cblr-1712	386	14	the	the	DET
cblr-1712	386	15	three	three	NUM
cblr-1712	386	16	cases	case	NOUN
cblr-1712	386	17	.	.	PUNCT
cblr-1712	387	1	to	to	PART
cblr-1712	387	2	convert	convert	VERB
cblr-1712	387	3	the	the	DET
cblr-1712	387	4	number	number	NOUN
cblr-1712	387	5	of	of	ADP
cblr-1712	387	6	atm	atm	ADJ
cblr-1712	387	7	transactions	transaction	NOUN
cblr-1712	387	8	into	into	ADP
cblr-1712	387	9	a	a	DET
cblr-1712	387	10	rough	rough	ADJ
cblr-1712	387	11	estimate	estimate	NOUN
cblr-1712	387	12	of	of	ADP
cblr-1712	387	13	the	the	DET
cblr-1712	387	14	number	number	NOUN
cblr-1712	387	15	of	of	ADP
cblr-1712	387	16	actual	actual	ADJ
cblr-1712	387	17	class	class	NOUN
cblr-1712	387	18	members	member	NOUN
cblr-1712	387	19	,	,	PUNCT
cblr-1712	387	20	one	one	PRON
cblr-1712	387	21	can	can	AUX
cblr-1712	387	22	divide	divide	VERB
cblr-1712	387	23	the	the	DET
cblr-1712	387	24	total	total	ADJ
cblr-1712	387	25	number	number	NOUN
cblr-1712	387	26	of	of	ADP
cblr-1712	387	27	transactions	transaction	NOUN
cblr-1712	387	28	challenged	challenge	VERB
cblr-1712	387	29	by	by	ADP
cblr-1712	387	30	the	the	DET
cblr-1712	387	31	number	number	NOUN
cblr-1712	387	32	of	of	ADP
cblr-1712	387	33	months	month	NOUN
cblr-1712	387	34	during	during	ADP
cblr-1712	387	35	which	which	PRON
cblr-1712	387	36	the	the	DET
cblr-1712	387	37	atm	atm	NOUN
cblr-1712	387	38	was	be	AUX
cblr-1712	387	39	allegedly	allegedly	ADV
cblr-1712	387	40	un	un	ADJ
cblr-1712	387	41	-	-	ADJ
cblr-1712	387	42	noticed	noticed	ADJ
cblr-1712	387	43	and	and	CCONJ
cblr-1712	387	44	then	then	ADV
cblr-1712	387	45	divide	divide	VERB
cblr-1712	387	46	that	that	SCONJ
cblr-1712	387	47	by	by	ADP
cblr-1712	387	48	an	an	DET
cblr-1712	387	49	estimate	estimate	NOUN
cblr-1712	387	50	of	of	ADP
cblr-1712	387	51	the	the	DET
cblr-1712	387	52	number	number	NOUN
cblr-1712	387	53	of	of	ADP
cblr-1712	387	54	atm	atm	PROPN
cblr-1712	387	55	uses	use	NOUN
cblr-1712	387	56	per	per	ADP
cblr-1712	387	57	month	month	NOUN
cblr-1712	387	58	per	per	ADP
cblr-1712	387	59	user	user	NOUN
cblr-1712	387	60	.	.	PUNCT
cblr-1712	388	1	assuming	assume	VERB
cblr-1712	388	2	that	that	SCONJ
cblr-1712	388	3	each	each	DET
cblr-1712	388	4	person	person	NOUN
cblr-1712	388	5	using	use	VERB
cblr-1712	388	6	an	an	DET
cblr-1712	388	7	atm	atm	NOUN
cblr-1712	388	8	used	use	VERB
cblr-1712	388	9	that	that	DET
cblr-1712	388	10	machine	machine	NOUN
cblr-1712	388	11	on	on	ADP
cblr-1712	388	12	average	average	ADJ
cblr-1712	388	13	five	five	NUM
cblr-1712	388	14	times	time	NOUN
cblr-1712	388	15	per	per	ADP
cblr-1712	388	16	month	month	NOUN
cblr-1712	388	17	(	(	PUNCT
cblr-1712	388	18	a	a	DET
cblr-1712	388	19	seemingly	seemingly	ADV
cblr-1712	388	20	large	large	ADJ
cblr-1712	388	21	number	number	NOUN
cblr-1712	388	22	)	)	PUNCT
cblr-1712	388	23	,	,	PUNCT
cblr-1712	388	24	then	then	ADV
cblr-1712	388	25	a	a	DET
cblr-1712	388	26	fair	fair	ADJ
cblr-1712	388	27	estimate	estimate	NOUN
cblr-1712	388	28	of	of	ADP
cblr-1712	388	29	the	the	DET
cblr-1712	388	30	number	number	NOUN
cblr-1712	388	31	of	of	ADP
cblr-1712	388	32	class	class	NOUN
cblr-1712	388	33	members	member	NOUN
cblr-1712	388	34	would	would	AUX
cblr-1712	388	35	be	be	AUX
cblr-1712	388	36	772	772	NUM
cblr-1712	388	37	for	for	ADP
cblr-1712	388	38	goldshteyn	goldshteyn	VERB
cblr-1712	388	39	,	,	PUNCT
cblr-1712	388	40	171	171	NUM
cblr-1712	388	41	for	for	ADP
cblr-1712	388	42	nguyen	nguyen	NOUN
cblr-1712	388	43	,	,	PUNCT
cblr-1712	388	44	and	and	CCONJ
cblr-1712	388	45	400	400	NUM
cblr-1712	388	46	in	in	ADP
cblr-1712	388	47	louisma	louisma	NOUN
cblr-1712	388	48	.	.	PUNCT
cblr-1712	389	1	as	as	SCONJ
cblr-1712	389	2	42	42	NUM
cblr-1712	389	3	class	class	NOUN
cblr-1712	389	4	members	member	NOUN
cblr-1712	389	5	were	be	AUX
cblr-1712	389	6	compensated	compensate	VERB
cblr-1712	389	7	in	in	ADP
cblr-1712	389	8	goldshteyn	goldshteyn	PROPN
cblr-1712	389	9	,	,	PUNCT
cblr-1712	389	10	75	75	NUM
cblr-1712	389	11	in	in	ADP
cblr-1712	389	12	nguyen	nguyen	NOUN
cblr-1712	389	13	,	,	PUNCT
cblr-1712	389	14	and	and	CCONJ
cblr-1712	389	15	44	44	NUM
cblr-1712	389	16	in	in	ADP
cblr-1712	389	17	louisma	louisma	NOUN
cblr-1712	389	18	,	,	PUNCT
cblr-1712	389	19	the	the	DET
cblr-1712	389	20	rough	rough	ADJ
cblr-1712	389	21	estimate	estimate	NOUN
cblr-1712	389	22	of	of	ADP
cblr-1712	389	23	compensation	compensation	NOUN
cblr-1712	389	24	rates	rate	NOUN
cblr-1712	389	25	in	in	ADP
cblr-1712	389	26	these	these	DET
cblr-1712	389	27	three	three	NUM
cblr-1712	389	28	class	class	NOUN
cblr-1712	389	29	settlements	settlement	NOUN
cblr-1712	389	30	would	would	AUX
cblr-1712	389	31	be	be	AUX
cblr-1712	389	32	(	(	PUNCT
cblr-1712	389	33	respectively	respectively	ADV
cblr-1712	389	34	)	)	PUNCT
cblr-1712	389	35	5	5	NUM
cblr-1712	389	36	%	%	NOUN
cblr-1712	389	37	,	,	PUNCT
cblr-1712	389	38	44	44	NUM
cblr-1712	389	39	%	%	NOUN
cblr-1712	389	40	,	,	PUNCT
cblr-1712	389	41	and	and	CCONJ
cblr-1712	389	42	11	11	NUM
cblr-1712	389	43	%	%	NOUN
cblr-1712	389	44	.	.	PUNCT
cblr-1712	390	1	two	two	NUM
cblr-1712	390	2	of	of	ADP
cblr-1712	390	3	these	these	DET
cblr-1712	390	4	estimates	estimate	NOUN
cblr-1712	390	5	are	be	AUX
cblr-1712	390	6	johnston	johnston	PROPN
cblr-1712	390	7	–	–	PUNCT
cblr-1712	390	8	final	final	ADJ
cblr-1712	390	9	34	34	NUM
cblr-1712	390	10	columbia	columbia	PROPN
cblr-1712	390	11	business	business	NOUN
cblr-1712	390	12	law	law	PROPN
cblr-1712	390	13	review	review	NOUN
cblr-1712	390	14	[	[	X
cblr-1712	390	15	vol	vol	NOUN
cblr-1712	390	16	.	.	NOUN
cblr-1712	391	1	2017	2017	NUM
cblr-1712	391	2	rate	rate	NOUN
cblr-1712	391	3	did	do	AUX
cblr-1712	391	4	not	not	PART
cblr-1712	391	5	result	result	VERB
cblr-1712	391	6	from	from	ADP
cblr-1712	391	7	the	the	DET
cblr-1712	391	8	technical	technical	ADJ
cblr-1712	391	9	impossibility	impossibility	NOUN
cblr-1712	391	10	of	of	ADP
cblr-1712	391	11	determining	determine	VERB
cblr-1712	391	12	who	who	PRON
cblr-1712	391	13	used	use	VERB
cblr-1712	391	14	a	a	DET
cblr-1712	391	15	particular	particular	ADJ
cblr-1712	391	16	atm	atm	NOUN
cblr-1712	391	17	machine	machine	NOUN
cblr-1712	391	18	on	on	ADP
cblr-1712	391	19	a	a	DET
cblr-1712	391	20	particular	particular	ADJ
cblr-1712	391	21	date	date	NOUN
cblr-1712	391	22	.	.	PUNCT
cblr-1712	392	1	in	in	ADP
cblr-1712	392	2	each	each	PRON
cblr-1712	392	3	of	of	ADP
cblr-1712	392	4	the	the	DET
cblr-1712	392	5	settlements	settlement	NOUN
cblr-1712	392	6	in	in	ADP
cblr-1712	392	7	appendix	appendix	NOUN
cblr-1712	392	8	1	1	NUM
cblr-1712	392	9	,	,	PUNCT
cblr-1712	392	10	class	class	NOUN
cblr-1712	392	11	counsel	counsel	NOUN
cblr-1712	392	12	submitted	submit	VERB
cblr-1712	392	13	an	an	DET
cblr-1712	392	14	affidavit	affidavit	NOUN
cblr-1712	392	15	from	from	ADP
cblr-1712	392	16	the	the	DET
cblr-1712	392	17	same	same	ADJ
cblr-1712	392	18	senior	senior	ADJ
cblr-1712	392	19	vice	vice	NOUN
cblr-1712	392	20	president	president	NOUN
cblr-1712	392	21	at	at	ADP
cblr-1712	392	22	first	first	PROPN
cblr-1712	392	23	american	american	PROPN
cblr-1712	392	24	bank	bank	PROPN
cblr-1712	392	25	explaining	explain	VERB
cblr-1712	392	26	the	the	DET
cblr-1712	392	27	following	follow	VERB
cblr-1712	392	28	procedure	procedure	NOUN
cblr-1712	392	29	to	to	PART
cblr-1712	392	30	identify	identify	VERB
cblr-1712	392	31	who	who	PRON
cblr-1712	392	32	used	use	VERB
cblr-1712	392	33	a	a	DET
cblr-1712	392	34	particular	particular	ADJ
cblr-1712	392	35	atm	atm	NOUN
cblr-1712	392	36	on	on	ADP
cblr-1712	392	37	a	a	DET
cblr-1712	392	38	given	give	VERB
cblr-1712	392	39	day.88	day.88	NOUN
cblr-1712	392	40	first	first	ADJ
cblr-1712	392	41	,	,	PUNCT
cblr-1712	392	42	one	one	PRON
cblr-1712	392	43	can	can	AUX
cblr-1712	392	44	obtain	obtain	VERB
cblr-1712	392	45	the	the	DET
cblr-1712	392	46	bank	bank	NOUN
cblr-1712	392	47	routing	routing	NOUN
cblr-1712	392	48	number	number	NOUN
cblr-1712	392	49	associated	associate	VERB
cblr-1712	392	50	with	with	ADP
cblr-1712	392	51	each	each	DET
cblr-1712	392	52	atm	atm	PROPN
cblr-1712	392	53	transaction	transaction	NOUN
cblr-1712	392	54	.	.	PUNCT
cblr-1712	393	1	using	use	VERB
cblr-1712	393	2	those	those	DET
cblr-1712	393	3	routing	routing	NOUN
cblr-1712	393	4	numbers	number	NOUN
cblr-1712	393	5	,	,	PUNCT
cblr-1712	393	6	one	one	PRON
cblr-1712	393	7	can	can	AUX
cblr-1712	393	8	cross	cross	VERB
cblr-1712	393	9	-	-	NOUN
cblr-1712	393	10	reference	reference	NOUN
cblr-1712	393	11	and	and	CCONJ
cblr-1712	393	12	identify	identify	VERB
cblr-1712	393	13	which	which	DET
cblr-1712	393	14	financial	financial	ADJ
cblr-1712	393	15	institution	institution	NOUN
cblr-1712	393	16	issued	issue	VERB
cblr-1712	393	17	each	each	DET
cblr-1712	393	18	atm	atm	NOUN
cblr-1712	393	19	card	card	NOUN
cblr-1712	393	20	.	.	PUNCT
cblr-1712	394	1	finally	finally	ADV
cblr-1712	394	2	,	,	PUNCT
cblr-1712	394	3	one	one	PRON
cblr-1712	394	4	can	can	AUX
cblr-1712	394	5	contact	contact	VERB
cblr-1712	394	6	each	each	DET
cblr-1712	394	7	financial	financial	ADJ
cblr-1712	394	8	institution	institution	NOUN
cblr-1712	394	9	to	to	PART
cblr-1712	394	10	identify	identify	VERB
cblr-1712	394	11	the	the	DET
cblr-1712	394	12	atm	atm	NOUN
cblr-1712	394	13	cardholder.89	cardholder.89	NOUN
cblr-1712	394	14	no	no	DET
cblr-1712	394	15	court	court	NOUN
cblr-1712	394	16	disputed	dispute	VERB
cblr-1712	394	17	that	that	SCONJ
cblr-1712	394	18	the	the	DET
cblr-1712	394	19	senior	senior	ADJ
cblr-1712	394	20	vice	vice	NOUN
cblr-1712	394	21	president	president	NOUN
cblr-1712	394	22	’s	’s	PART
cblr-1712	394	23	affidavit	affidavit	NOUN
cblr-1712	394	24	showed	show	VERB
cblr-1712	394	25	that	that	SCONJ
cblr-1712	394	26	,	,	PUNCT
cblr-1712	394	27	with	with	ADP
cblr-1712	394	28	enough	enough	ADJ
cblr-1712	394	29	effort	effort	NOUN
cblr-1712	394	30	,	,	PUNCT
cblr-1712	394	31	the	the	DET
cblr-1712	394	32	precise	precise	ADJ
cblr-1712	394	33	identity	identity	NOUN
cblr-1712	394	34	of	of	ADP
cblr-1712	394	35	each	each	DET
cblr-1712	394	36	atm	atm	PROPN
cblr-1712	394	37	user	user	NOUN
cblr-1712	394	38	could	could	AUX
cblr-1712	394	39	be	be	AUX
cblr-1712	394	40	learned	learn	VERB
cblr-1712	394	41	.	.	PUNCT
cblr-1712	395	1	but	but	CCONJ
cblr-1712	395	2	in	in	ADP
cblr-1712	395	3	every	every	DET
cblr-1712	395	4	such	such	ADJ
cblr-1712	395	5	case	case	NOUN
cblr-1712	395	6	,	,	PUNCT
cblr-1712	395	7	notice	notice	VERB
cblr-1712	395	8	to	to	ADP
cblr-1712	395	9	the	the	DET
cblr-1712	395	10	class	class	NOUN
cblr-1712	395	11	was	be	AUX
cblr-1712	395	12	given	give	VERB
cblr-1712	395	13	via	via	ADP
cblr-1712	395	14	a	a	DET
cblr-1712	395	15	general	general	ADJ
cblr-1712	395	16	public	public	ADJ
cblr-1712	395	17	newspaper	newspaper	NOUN
cblr-1712	395	18	notice	notice	NOUN
cblr-1712	395	19	and	and	CCONJ
cblr-1712	395	20	a	a	DET
cblr-1712	395	21	website	website	NOUN
cblr-1712	395	22	.	.	PUNCT
cblr-1712	396	1	as	as	SCONJ
cblr-1712	396	2	indicated	indicate	VERB
cblr-1712	396	3	by	by	ADP
cblr-1712	396	4	the	the	DET
cblr-1712	396	5	low	low	PROPN
cblr-1712	396	6	compensation	compensation	NOUN
cblr-1712	396	7	rate	rate	NOUN
cblr-1712	396	8	,	,	PUNCT
cblr-1712	396	9	such	such	ADJ
cblr-1712	396	10	public	public	ADJ
cblr-1712	396	11	notice	notice	NOUN
cblr-1712	396	12	was	be	AUX
cblr-1712	396	13	glaringly	glaringly	ADV
cblr-1712	396	14	ineffective	ineffective	ADJ
cblr-1712	396	15	.	.	PUNCT
cblr-1712	397	1	district	district	NOUN
cblr-1712	397	2	courts	court	NOUN
cblr-1712	397	3	approved	approve	VERB
cblr-1712	397	4	such	such	DET
cblr-1712	397	5	a	a	DET
cblr-1712	397	6	notice	notice	NOUN
cblr-1712	397	7	method	method	NOUN
cblr-1712	397	8	because	because	SCONJ
cblr-1712	397	9	,	,	PUNCT
cblr-1712	397	10	given	give	VERB
cblr-1712	397	11	the	the	DET
cblr-1712	397	12	small	small	ADJ
cblr-1712	397	13	stakes	stake	NOUN
cblr-1712	397	14	in	in	ADP
cblr-1712	397	15	these	these	DET
cblr-1712	397	16	cases	case	NOUN
cblr-1712	397	17	,	,	PUNCT
cblr-1712	397	18	actual	actual	ADJ
cblr-1712	397	19	individualized	individualized	ADJ
cblr-1712	397	20	notice	notice	NOUN
cblr-1712	397	21	would	would	AUX
cblr-1712	397	22	have	have	AUX
cblr-1712	397	23	been	be	AUX
cblr-1712	397	24	cost	cost	VERB
cblr-1712	397	25	prohibitive	prohibitive	ADJ
cblr-1712	397	26	.	.	PUNCT
cblr-1712	398	1	in	in	ADP
cblr-1712	398	2	other	other	ADJ
cblr-1712	398	3	words	word	NOUN
cblr-1712	398	4	,	,	PUNCT
cblr-1712	398	5	actual	actual	ADJ
cblr-1712	398	6	individualized	individualized	ADJ
cblr-1712	398	7	notice	notice	NOUN
cblr-1712	398	8	almost	almost	ADV
cblr-1712	398	9	identical	identical	ADJ
cblr-1712	398	10	to	to	ADP
cblr-1712	398	11	the	the	DET
cblr-1712	398	12	actual	actual	ADJ
cblr-1712	398	13	class	class	NOUN
cblr-1712	398	14	compensation	compensation	NOUN
cblr-1712	398	15	rates	rate	NOUN
cblr-1712	398	16	of	of	ADP
cblr-1712	398	17	5	5	NUM
cblr-1712	398	18	%	%	NOUN
cblr-1712	398	19	and	and	CCONJ
cblr-1712	398	20	12	12	NUM
cblr-1712	398	21	%	%	NOUN
cblr-1712	398	22	in	in	ADP
cblr-1712	398	23	barreto	barreto	NOUN
cblr-1712	398	24	and	and	CCONJ
cblr-1712	398	25	loewy	loewy	NOUN
cblr-1712	398	26	,	,	PUNCT
cblr-1712	398	27	respectively	respectively	ADV
cblr-1712	398	28	.	.	PUNCT
cblr-1712	399	1	the	the	DET
cblr-1712	399	2	estimated	estimate	VERB
cblr-1712	399	3	44	44	NUM
cblr-1712	399	4	%	%	NOUN
cblr-1712	399	5	compensation	compensation	NOUN
cblr-1712	399	6	rate	rate	NOUN
cblr-1712	399	7	in	in	ADP
cblr-1712	399	8	nguyen	nguyen	NOUN
cblr-1712	399	9	is	be	AUX
cblr-1712	399	10	so	so	ADV
cblr-1712	399	11	much	much	ADV
cblr-1712	399	12	higher	high	ADJ
cblr-1712	399	13	than	than	ADP
cblr-1712	399	14	in	in	ADP
cblr-1712	399	15	any	any	DET
cblr-1712	399	16	other	other	ADJ
cblr-1712	399	17	atm	atm	NOUN
cblr-1712	399	18	“	"	PUNCT
cblr-1712	399	19	on	on	ADP
cblr-1712	399	20	or	or	CCONJ
cblr-1712	399	21	at	at	ADP
cblr-1712	399	22	”	"	PUNCT
cblr-1712	399	23	notice	notice	NOUN
cblr-1712	399	24	case	case	NOUN
cblr-1712	399	25	that	that	SCONJ
cblr-1712	399	26	one	one	NUM
cblr-1712	399	27	suspects	suspect	VERB
cblr-1712	399	28	that	that	SCONJ
cblr-1712	399	29	the	the	DET
cblr-1712	399	30	assumption	assumption	NOUN
cblr-1712	399	31	that	that	SCONJ
cblr-1712	399	32	users	user	NOUN
cblr-1712	399	33	of	of	ADP
cblr-1712	399	34	an	an	DET
cblr-1712	399	35	atm	atm	NOUN
cblr-1712	399	36	use	use	NOUN
cblr-1712	399	37	the	the	DET
cblr-1712	399	38	machine	machine	NOUN
cblr-1712	399	39	on	on	ADP
cblr-1712	399	40	average	average	ADJ
cblr-1712	399	41	5	5	NUM
cblr-1712	399	42	times	time	NOUN
cblr-1712	399	43	per	per	ADP
cblr-1712	399	44	month	month	NOUN
cblr-1712	399	45	must	must	AUX
cblr-1712	399	46	be	be	AUX
cblr-1712	399	47	incorrect	incorrect	ADJ
cblr-1712	399	48	for	for	ADP
cblr-1712	399	49	the	the	DET
cblr-1712	399	50	atm	atm	PROPN
cblr-1712	399	51	machines	machine	NOUN
cblr-1712	399	52	at	at	ADP
cblr-1712	399	53	issue	issue	NOUN
cblr-1712	399	54	in	in	ADP
cblr-1712	399	55	that	that	DET
cblr-1712	399	56	case	case	NOUN
cblr-1712	399	57	.	.	PUNCT
cblr-1712	400	1	further	further	ADJ
cblr-1712	400	2	evidence	evidence	NOUN
cblr-1712	400	3	that	that	SCONJ
cblr-1712	400	4	the	the	DET
cblr-1712	400	5	8.5	8.5	NUM
cblr-1712	400	6	%	%	NOUN
cblr-1712	400	7	class	class	NOUN
cblr-1712	400	8	compensation	compensation	NOUN
cblr-1712	400	9	rate	rate	NOUN
cblr-1712	400	10	in	in	ADP
cblr-1712	400	11	table	table	NOUN
cblr-1712	400	12	2	2	NUM
cblr-1712	400	13	may	may	AUX
cblr-1712	400	14	be	be	AUX
cblr-1712	400	15	generally	generally	ADV
cblr-1712	400	16	valid	valid	ADJ
cblr-1712	400	17	for	for	ADP
cblr-1712	400	18	atm	atm	NOUN
cblr-1712	400	19	“	"	PUNCT
cblr-1712	400	20	on	on	ADP
cblr-1712	400	21	or	or	CCONJ
cblr-1712	400	22	at	at	ADP
cblr-1712	400	23	”	"	PUNCT
cblr-1712	400	24	notice	notice	NOUN
cblr-1712	400	25	cases	case	NOUN
cblr-1712	400	26	is	be	AUX
cblr-1712	400	27	provided	provide	VERB
cblr-1712	400	28	by	by	ADP
cblr-1712	400	29	a	a	DET
cblr-1712	400	30	report	report	NOUN
cblr-1712	400	31	from	from	ADP
cblr-1712	400	32	class	class	NOUN
cblr-1712	400	33	counsel	counsel	NOUN
cblr-1712	400	34	in	in	ADP
cblr-1712	400	35	barreto	barreto	PROPN
cblr-1712	400	36	that	that	SCONJ
cblr-1712	400	37	,	,	PUNCT
cblr-1712	400	38	as	as	ADP
cblr-1712	400	39	“	"	PUNCT
cblr-1712	400	40	the	the	DET
cblr-1712	400	41	claim	claim	NOUN
cblr-1712	400	42	form	form	VERB
cblr-1712	400	43	return	return	NOUN
cblr-1712	400	44	rate	rate	NOUN
cblr-1712	400	45	in	in	ADP
cblr-1712	400	46	consumer	consumer	NOUN
cblr-1712	400	47	class	class	NOUN
cblr-1712	400	48	action	action	NOUN
cblr-1712	400	49	settlements	settlement	NOUN
cblr-1712	400	50	is	be	AUX
cblr-1712	400	51	between	between	ADP
cblr-1712	400	52	2	2	NUM
cblr-1712	400	53	and	and	CCONJ
cblr-1712	400	54	20	20	NUM
cblr-1712	400	55	%	%	NOUN
cblr-1712	400	56	,	,	PUNCT
cblr-1712	400	57	”	"	PUNCT
cblr-1712	400	58	the	the	DET
cblr-1712	400	59	5	5	NUM
cblr-1712	400	60	%	%	NOUN
cblr-1712	400	61	rate	rate	NOUN
cblr-1712	400	62	in	in	ADP
cblr-1712	400	63	barreto	barreto	PROPN
cblr-1712	400	64	(	(	PUNCT
cblr-1712	400	65	a	a	DET
cblr-1712	400	66	total	total	NOUN
cblr-1712	400	67	of	of	ADP
cblr-1712	400	68	18	18	NUM
cblr-1712	400	69	claimants	claimant	NOUN
cblr-1712	400	70	)	)	PUNCT
cblr-1712	400	71	was	be	AUX
cblr-1712	400	72	“	"	PUNCT
cblr-1712	400	73	well	well	ADV
cblr-1712	400	74	within	within	ADP
cblr-1712	400	75	the	the	DET
cblr-1712	400	76	average	average	ADJ
cblr-1712	400	77	return	return	NOUN
cblr-1712	400	78	rate	rate	NOUN
cblr-1712	400	79	in	in	ADP
cblr-1712	400	80	the	the	DET
cblr-1712	400	81	consumer	consumer	NOUN
cblr-1712	400	82	class	class	NOUN
cblr-1712	400	83	action	action	NOUN
cblr-1712	400	84	context	context	NOUN
cblr-1712	400	85	.	.	PUNCT
cblr-1712	400	86	”	"	PUNCT
cblr-1712	400	87	plaintiff	plaintiff	PROPN
cblr-1712	400	88	’s	’s	PART
cblr-1712	400	89	supplemental	supplemental	ADJ
cblr-1712	400	90	memorandum	memorandum	NOUN
cblr-1712	400	91	in	in	ADP
cblr-1712	400	92	support	support	NOUN
cblr-1712	400	93	of	of	ADP
cblr-1712	400	94	final	final	ADJ
cblr-1712	400	95	approval	approval	NOUN
cblr-1712	400	96	of	of	ADP
cblr-1712	400	97	the	the	DET
cblr-1712	400	98	parties	party	NOUN
cblr-1712	400	99	’	’	PART
cblr-1712	400	100	class	class	NOUN
cblr-1712	400	101	action	action	NOUN
cblr-1712	400	102	settlement	settlement	NOUN
cblr-1712	400	103	agreement	agreement	NOUN
cblr-1712	400	104	at	at	ADP
cblr-1712	400	105	1–2	1–2	NUM
cblr-1712	400	106	,	,	PUNCT
cblr-1712	400	107	barreto	barreto	PROPN
cblr-1712	400	108	v.	v.	PROPN
cblr-1712	400	109	ctr	ctr	PROPN
cblr-1712	400	110	.	.	PUNCT
cblr-1712	401	1	bank	bank	PROPN
cblr-1712	401	2	,	,	PUNCT
cblr-1712	401	3	no	no	INTJ
cblr-1712	401	4	.	.	NOUN
cblr-1712	401	5	10	10	NUM
cblr-1712	401	6	-	-	PUNCT
cblr-1712	401	7	cv-06544	cv-06544	NOUN
cblr-1712	401	8	(	(	PUNCT
cblr-1712	401	9	n.d	n.d	PROPN
cblr-1712	401	10	.	.	PROPN
cblr-1712	401	11	ill	ill	PROPN
cblr-1712	401	12	.	.	PUNCT
cblr-1712	402	1	aug	aug	PROPN
cblr-1712	402	2	.	.	PROPN
cblr-1712	402	3	8	8	NUM
cblr-1712	402	4	,	,	PUNCT
cblr-1712	402	5	2011	2011	NUM
cblr-1712	402	6	)	)	PUNCT
cblr-1712	402	7	.	.	PUNCT
cblr-1712	403	1	88	88	NUM
cblr-1712	403	2	see	see	VERB
cblr-1712	403	3	the	the	DET
cblr-1712	403	4	affidavit	affidavit	NOUN
cblr-1712	403	5	of	of	ADP
cblr-1712	403	6	eduardo	eduardo	PROPN
cblr-1712	403	7	monteagudo	monteagudo	PROPN
cblr-1712	403	8	,	,	PUNCT
cblr-1712	403	9	exhibit	exhibit	VERB
cblr-1712	403	10	d	d	NOUN
cblr-1712	403	11	to	to	ADP
cblr-1712	403	12	class	class	NOUN
cblr-1712	403	13	counsel	counsel	NOUN
cblr-1712	403	14	’s	’s	PART
cblr-1712	403	15	memorandum	memorandum	NOUN
cblr-1712	403	16	in	in	ADP
cblr-1712	403	17	support	support	NOUN
cblr-1712	403	18	of	of	ADP
cblr-1712	403	19	final	final	ADJ
cblr-1712	403	20	approval	approval	NOUN
cblr-1712	403	21	of	of	ADP
cblr-1712	403	22	the	the	DET
cblr-1712	403	23	class	class	NOUN
cblr-1712	403	24	action	action	NOUN
cblr-1712	403	25	settlement	settlement	NOUN
cblr-1712	403	26	para	para	PROPN
cblr-1712	403	27	.	.	PUNCT
cblr-1712	404	1	3	3	NUM
cblr-1712	404	2	;	;	PUNCT
cblr-1712	404	3	goldshteyn	goldshteyn	VERB
cblr-1712	404	4	v.	v.	ADP
cblr-1712	404	5	argonne	argonne	PROPN
cblr-1712	404	6	credit	credit	PROPN
cblr-1712	404	7	union	union	PROPN
cblr-1712	404	8	,	,	PUNCT
cblr-1712	404	9	no	no	INTJ
cblr-1712	404	10	.	.	NOUN
cblr-1712	405	1	10	10	NUM
cblr-1712	405	2	-	-	PUNCT
cblr-1712	405	3	cv-05402	cv-05402	NOUN
cblr-1712	405	4	(	(	PUNCT
cblr-1712	405	5	n.d	n.d	PROPN
cblr-1712	405	6	.	.	PROPN
cblr-1712	405	7	ill	ill	PROPN
cblr-1712	405	8	.	.	PUNCT
cblr-1712	406	1	april	april	PROPN
cblr-1712	406	2	20	20	NUM
cblr-1712	406	3	,	,	PUNCT
cblr-1712	406	4	2012	2012	NUM
cblr-1712	406	5	)	)	PUNCT
cblr-1712	406	6	,	,	PUNCT
cblr-1712	406	7	ecf	ecf	PROPN
cblr-1712	406	8	no	no	INTJ
cblr-1712	406	9	.	.	PUNCT
cblr-1712	407	1	55	55	NUM
cblr-1712	407	2	-	-	SYM
cblr-1712	407	3	4	4	NUM
cblr-1712	407	4	.	.	NUM
cblr-1712	407	5	89	89	NUM
cblr-1712	408	1	i	i	PROPN
cblr-1712	408	2	d.	d.	PROPN
cblr-1712	408	3	johnston	johnston	PROPN
cblr-1712	408	4	–	–	PUNCT
cblr-1712	408	5	final	final	ADJ
cblr-1712	408	6	no	no	NOUN
cblr-1712	408	7	.	.	NOUN
cblr-1712	408	8	1:1	1:1	NUM
cblr-1712	408	9	]	]	X
cblr-1712	408	10	high	high	ADJ
cblr-1712	408	11	cost	cost	NOUN
cblr-1712	408	12	,	,	PUNCT
cblr-1712	408	13	little	little	ADJ
cblr-1712	408	14	compensation	compensation	NOUN
cblr-1712	408	15	35	35	NUM
cblr-1712	408	16	would	would	AUX
cblr-1712	408	17	have	have	AUX
cblr-1712	408	18	cost	cost	VERB
cblr-1712	408	19	far	far	ADV
cblr-1712	408	20	more	more	ADJ
cblr-1712	408	21	than	than	ADP
cblr-1712	408	22	the	the	DET
cblr-1712	408	23	maximum	maximum	ADJ
cblr-1712	408	24	expected	expect	VERB
cblr-1712	408	25	recovery	recovery	NOUN
cblr-1712	408	26	.	.	PUNCT
cblr-1712	409	1	as	as	ADP
cblr-1712	409	2	a	a	DET
cblr-1712	409	3	result	result	NOUN
cblr-1712	409	4	,	,	PUNCT
cblr-1712	409	5	such	such	ADJ
cblr-1712	409	6	cases	case	NOUN
cblr-1712	409	7	would	would	AUX
cblr-1712	409	8	never	never	ADV
cblr-1712	409	9	have	have	AUX
cblr-1712	409	10	been	be	AUX
cblr-1712	409	11	brought	bring	VERB
cblr-1712	409	12	because	because	SCONJ
cblr-1712	409	13	they	they	PRON
cblr-1712	409	14	would	would	AUX
cblr-1712	409	15	be	be	AUX
cblr-1712	409	16	economically	economically	ADV
cblr-1712	409	17	unattractive	unattractive	ADJ
cblr-1712	409	18	to	to	ADP
cblr-1712	409	19	plaintiffs	plaintiff	NOUN
cblr-1712	409	20	’	'	PUNCT
cblr-1712	409	21	attorneys	attorney	NOUN
cblr-1712	409	22	.	.	PUNCT
cblr-1712	410	1	while	while	SCONJ
cblr-1712	410	2	,	,	PUNCT
cblr-1712	410	3	as	as	SCONJ
cblr-1712	410	4	cautioned	caution	VERB
cblr-1712	410	5	at	at	ADP
cblr-1712	410	6	the	the	DET
cblr-1712	410	7	outset	outset	NOUN
cblr-1712	410	8	,	,	PUNCT
cblr-1712	410	9	this	this	DET
cblr-1712	410	10	article	article	NOUN
cblr-1712	410	11	does	do	AUX
cblr-1712	410	12	not	not	PART
cblr-1712	410	13	confirm	confirm	VERB
cblr-1712	410	14	the	the	DET
cblr-1712	410	15	representativeness	representativeness	NOUN
cblr-1712	410	16	of	of	ADP
cblr-1712	410	17	the	the	DET
cblr-1712	410	18	illinois	illinois	PROPN
cblr-1712	410	19	data	data	PROPN
cblr-1712	410	20	,	,	PUNCT
cblr-1712	410	21	compensation	compensation	NOUN
cblr-1712	410	22	rates	rate	NOUN
cblr-1712	410	23	in	in	ADP
cblr-1712	410	24	the	the	DET
cblr-1712	410	25	illinois	illinois	PROPN
cblr-1712	410	26	data	datum	NOUN
cblr-1712	410	27	seem	seem	VERB
cblr-1712	410	28	likely	likely	ADJ
cblr-1712	410	29	to	to	PART
cblr-1712	410	30	be	be	AUX
cblr-1712	410	31	typical	typical	ADJ
cblr-1712	410	32	of	of	ADP
cblr-1712	410	33	rates	rate	NOUN
cblr-1712	410	34	in	in	ADP
cblr-1712	410	35	atm	atm	NOUN
cblr-1712	410	36	“	"	PUNCT
cblr-1712	410	37	on	on	ADP
cblr-1712	410	38	or	or	CCONJ
cblr-1712	410	39	at	at	ADP
cblr-1712	410	40	”	"	PUNCT
cblr-1712	410	41	notice	notice	NOUN
cblr-1712	410	42	failure	failure	NOUN
cblr-1712	410	43	cases	case	VERB
cblr-1712	410	44	more	more	ADV
cblr-1712	410	45	generally	generally	ADV
cblr-1712	410	46	.	.	PUNCT
cblr-1712	411	1	in	in	ADP
cblr-1712	411	2	certain	certain	ADJ
cblr-1712	411	3	cases	case	NOUN
cblr-1712	411	4	,	,	PUNCT
cblr-1712	411	5	class	class	NOUN
cblr-1712	411	6	counsel	counsel	NOUN
cblr-1712	411	7	filed	file	VERB
cblr-1712	411	8	memoranda	memoranda	NOUN
cblr-1712	411	9	in	in	ADP
cblr-1712	411	10	support	support	NOUN
cblr-1712	411	11	of	of	ADP
cblr-1712	411	12	their	their	PRON
cblr-1712	411	13	motions	motion	NOUN
cblr-1712	411	14	for	for	ADP
cblr-1712	411	15	class	class	NOUN
cblr-1712	411	16	settlement	settlement	NOUN
cblr-1712	411	17	approval	approval	NOUN
cblr-1712	411	18	showing	show	VERB
cblr-1712	411	19	typical	typical	ADJ
cblr-1712	411	20	nationwide	nationwide	ADJ
cblr-1712	411	21	payout	payout	NOUN
cblr-1712	411	22	rates	rate	NOUN
cblr-1712	411	23	for	for	ADP
cblr-1712	411	24	atm	atm	NOUN
cblr-1712	411	25	notice	notice	NOUN
cblr-1712	411	26	failure	failure	NOUN
cblr-1712	411	27	cases	case	NOUN
cblr-1712	411	28	.	.	PUNCT
cblr-1712	412	1	for	for	ADP
cblr-1712	412	2	example	example	NOUN
cblr-1712	412	3	,	,	PUNCT
cblr-1712	412	4	in	in	ADP
cblr-1712	412	5	barreto	barreto	PROPN
cblr-1712	412	6	v.	v.	PROPN
cblr-1712	412	7	center	center	PROPN
cblr-1712	412	8	bank	bank	PROPN
cblr-1712	412	9	,	,	PUNCT
cblr-1712	412	10	counsel	counsel	NOUN
cblr-1712	412	11	reported	report	VERB
cblr-1712	412	12	that	that	SCONJ
cblr-1712	412	13	5	5	NUM
cblr-1712	412	14	%	%	NOUN
cblr-1712	412	15	of	of	ADP
cblr-1712	412	16	the	the	DET
cblr-1712	412	17	settlement	settlement	NOUN
cblr-1712	412	18	class	class	NOUN
cblr-1712	412	19	received	receive	VERB
cblr-1712	412	20	compensation.90	compensation.90	NOUN
cblr-1712	412	21	class	class	NOUN
cblr-1712	412	22	counsel	counsel	NOUN
cblr-1712	412	23	also	also	ADV
cblr-1712	412	24	reported	report	VERB
cblr-1712	412	25	that	that	SCONJ
cblr-1712	412	26	because	because	SCONJ
cblr-1712	412	27	the	the	DET
cblr-1712	412	28	claim	claim	NOUN
cblr-1712	412	29	form	form	VERB
cblr-1712	412	30	return	return	NOUN
cblr-1712	412	31	rate	rate	NOUN
cblr-1712	412	32	in	in	ADP
cblr-1712	412	33	consumer	consumer	NOUN
cblr-1712	412	34	class	class	NOUN
cblr-1712	412	35	-	-	PUNCT
cblr-1712	412	36	action	action	NOUN
cblr-1712	412	37	settlements	settlement	NOUN
cblr-1712	412	38	is	be	AUX
cblr-1712	412	39	typically	typically	ADV
cblr-1712	412	40	between	between	ADP
cblr-1712	412	41	2	2	NUM
cblr-1712	412	42	%	%	NOUN
cblr-1712	412	43	and	and	CCONJ
cblr-1712	412	44	20	20	NUM
cblr-1712	412	45	%	%	NOUN
cblr-1712	412	46	,	,	PUNCT
cblr-1712	412	47	the	the	DET
cblr-1712	412	48	5	5	NUM
cblr-1712	412	49	%	%	NOUN
cblr-1712	412	50	rate	rate	NOUN
cblr-1712	412	51	in	in	ADP
cblr-1712	412	52	barreto	barreto	PROPN
cblr-1712	412	53	(	(	PUNCT
cblr-1712	412	54	a	a	DET
cblr-1712	412	55	total	total	NOUN
cblr-1712	412	56	of	of	ADP
cblr-1712	412	57	18	18	NUM
cblr-1712	412	58	claimants	claimant	NOUN
cblr-1712	412	59	)	)	PUNCT
cblr-1712	412	60	was	be	AUX
cblr-1712	412	61	“	"	PUNCT
cblr-1712	412	62	well	well	ADV
cblr-1712	412	63	within	within	ADP
cblr-1712	412	64	the	the	DET
cblr-1712	412	65	average	average	ADJ
cblr-1712	412	66	return	return	NOUN
cblr-1712	412	67	rate	rate	NOUN
cblr-1712	412	68	in	in	ADP
cblr-1712	412	69	the	the	DET
cblr-1712	412	70	consumer	consumer	NOUN
cblr-1712	412	71	class	class	NOUN
cblr-1712	412	72	-	-	PUNCT
cblr-1712	412	73	action	action	NOUN
cblr-1712	412	74	context	context	NOUN
cblr-1712	412	75	.	.	PUNCT
cblr-1712	413	1	”91	”91	NOUN
cblr-1712	413	2	in	in	ADP
cblr-1712	413	3	addition	addition	NOUN
cblr-1712	413	4	,	,	PUNCT
cblr-1712	413	5	class	class	NOUN
cblr-1712	413	6	counsel	counsel	NOUN
cblr-1712	413	7	in	in	ADP
cblr-1712	413	8	barreto	barreto	PROPN
cblr-1712	413	9	reported	report	VERB
cblr-1712	413	10	that	that	SCONJ
cblr-1712	413	11	“	"	PUNCT
cblr-1712	413	12	the	the	DET
cblr-1712	413	13	typical	typical	ADJ
cblr-1712	413	14	range	range	NOUN
cblr-1712	413	15	of	of	ADP
cblr-1712	413	16	claimants	claimant	NOUN
cblr-1712	413	17	in	in	ADP
cblr-1712	413	18	efta	efta	PROPN
cblr-1712	413	19	class	class	NOUN
cblr-1712	413	20	settlements	settlement	NOUN
cblr-1712	413	21	involving	involve	VERB
cblr-1712	413	22	one	one	NUM
cblr-1712	413	23	atm	atm	NOUN
cblr-1712	413	24	(	(	PUNCT
cblr-1712	413	25	like	like	ADP
cblr-1712	413	26	this	this	DET
cblr-1712	413	27	one	one	NOUN
cblr-1712	413	28	)	)	PUNCT
cblr-1712	413	29	is	be	AUX
cblr-1712	413	30	between	between	ADP
cblr-1712	413	31	20	20	NUM
cblr-1712	413	32	and	and	CCONJ
cblr-1712	413	33	40.”92	40.”92	NUM
cblr-1712	413	34	the	the	DET
cblr-1712	413	35	claim	claim	NOUN
cblr-1712	413	36	filing	file	VERB
cblr-1712	413	37	rate	rate	NOUN
cblr-1712	413	38	of	of	ADP
cblr-1712	413	39	2–20	2–20	ADJ
cblr-1712	413	40	%	%	NOUN
cblr-1712	413	41	in	in	ADP
cblr-1712	413	42	consumer	consumer	NOUN
cblr-1712	413	43	class	class	NOUN
cblr-1712	413	44	actions	action	NOUN
cblr-1712	413	45	comes	come	VERB
cblr-1712	413	46	from	from	ADP
cblr-1712	413	47	an	an	DET
cblr-1712	413	48	article	article	NOUN
cblr-1712	413	49	written	write	VERB
cblr-1712	413	50	by	by	ADP
cblr-1712	413	51	a	a	DET
cblr-1712	413	52	claims	claim	NOUN
cblr-1712	413	53	administrator	administrator	NOUN
cblr-1712	413	54	with	with	ADP
cblr-1712	413	55	rust	rust	NOUN
cblr-1712	413	56	consulting.93	consulting.93	PROPN
cblr-1712	413	57	that	that	PRON
cblr-1712	413	58	settlement	settlement	NOUN
cblr-1712	413	59	administrator	administrator	NOUN
cblr-1712	413	60	reports	report	VERB
cblr-1712	413	61	that	that	SCONJ
cblr-1712	413	62	:	:	PUNCT
cblr-1712	413	63	“	"	PUNCT
cblr-1712	413	64	[	[	X
cblr-1712	413	65	w]ith	w]ith	ADP
cblr-1712	413	66	their	their	PRON
cblr-1712	413	67	broad	broad	ADJ
cblr-1712	413	68	range	range	NOUN
cblr-1712	413	69	of	of	ADP
cblr-1712	413	70	subject	subject	ADJ
cblr-1712	413	71	matter	matter	NOUN
cblr-1712	413	72	,	,	PUNCT
cblr-1712	413	73	benefit	benefit	NOUN
cblr-1712	413	74	types	type	NOUN
cblr-1712	413	75	and	and	CCONJ
cblr-1712	413	76	amounts	amount	NOUN
cblr-1712	413	77	,	,	PUNCT
cblr-1712	413	78	and	and	CCONJ
cblr-1712	413	79	class	class	NOUN
cblr-1712	413	80	member	member	NOUN
cblr-1712	413	81	demographics	demographic	NOUN
cblr-1712	413	82	,	,	PUNCT
cblr-1712	413	83	as	as	ADV
cblr-1712	413	84	well	well	ADV
cblr-1712	413	85	as	as	ADP
cblr-1712	413	86	the	the	DET
cblr-1712	413	87	‘	'	PUNCT
cblr-1712	413	88	hit	hit	VERB
cblr-1712	413	89	-	-	PUNCT
cblr-1712	413	90	or	or	CCONJ
cblr-1712	413	91	-	-	PUNCT
cblr-1712	413	92	miss	miss	VERB
cblr-1712	413	93	’	'	PUNCT
cblr-1712	413	94	availability	availability	NOUN
cblr-1712	413	95	of	of	ADP
cblr-1712	413	96	mailing	mailing	NOUN
cblr-1712	413	97	lists	list	NOUN
cblr-1712	413	98	,	,	PUNCT
cblr-1712	413	99	consumer	consumer	NOUN
cblr-1712	413	100	settlements	settlement	NOUN
cblr-1712	413	101	can	can	AUX
cblr-1712	413	102	draw	draw	VERB
cblr-1712	413	103	a	a	DET
cblr-1712	413	104	filing	filing	NOUN
cblr-1712	413	105	rate	rate	NOUN
cblr-1712	413	106	between	between	ADP
cblr-1712	413	107	2	2	NUM
cblr-1712	413	108	and	and	CCONJ
cblr-1712	413	109	20	20	NUM
cblr-1712	413	110	percent	percent	NOUN
cblr-1712	413	111	.	.	PUNCT
cblr-1712	414	1	”94	”94	PROPN
cblr-1712	414	2	90	90	NUM
cblr-1712	414	3	plaintiff	plaintiff	NOUN
cblr-1712	414	4	’s	’s	PART
cblr-1712	414	5	supplemental	supplemental	ADJ
cblr-1712	414	6	memorandum	memorandum	NOUN
cblr-1712	414	7	in	in	ADP
cblr-1712	414	8	support	support	NOUN
cblr-1712	414	9	of	of	ADP
cblr-1712	414	10	final	final	ADJ
cblr-1712	414	11	approval	approval	NOUN
cblr-1712	414	12	of	of	ADP
cblr-1712	414	13	the	the	DET
cblr-1712	414	14	parties	party	NOUN
cblr-1712	414	15	’	’	PART
cblr-1712	414	16	class	class	NOUN
cblr-1712	414	17	action	action	NOUN
cblr-1712	414	18	settlement	settlement	NOUN
cblr-1712	414	19	agreement	agreement	NOUN
cblr-1712	414	20	at	at	ADP
cblr-1712	414	21	1	1	NUM
cblr-1712	414	22	,	,	PUNCT
cblr-1712	414	23	barreto	barreto	PROPN
cblr-1712	414	24	v.	v.	PROPN
cblr-1712	414	25	ctr	ctr	PROPN
cblr-1712	414	26	.	.	PUNCT
cblr-1712	415	1	bank	bank	PROPN
cblr-1712	415	2	,	,	PUNCT
cblr-1712	415	3	no	no	INTJ
cblr-1712	415	4	.	.	NOUN
cblr-1712	415	5	10	10	NUM
cblr-1712	415	6	-	-	PUNCT
cblr-1712	415	7	cv-06544	cv-06544	NOUN
cblr-1712	415	8	(	(	PUNCT
cblr-1712	415	9	n.d	n.d	PROPN
cblr-1712	415	10	.	.	PROPN
cblr-1712	415	11	ill	ill	PROPN
cblr-1712	415	12	.	.	PUNCT
cblr-1712	416	1	aug	aug	PROPN
cblr-1712	416	2	.	.	PROPN
cblr-1712	416	3	8	8	NUM
cblr-1712	416	4	,	,	PUNCT
cblr-1712	416	5	2011	2011	NUM
cblr-1712	416	6	)	)	PUNCT
cblr-1712	416	7	.	.	PUNCT
cblr-1712	417	1	91	91	NUM
cblr-1712	418	1	i	i	PRON
cblr-1712	418	2	d.	d.	PROPN
cblr-1712	418	3	at	at	ADP
cblr-1712	418	4	1–2	1–2	NUM
cblr-1712	418	5	.	.	PUNCT
cblr-1712	419	1	92	92	NUM
cblr-1712	420	1	i	i	PRON
cblr-1712	420	2	d.	d.	NOUN
cblr-1712	420	3	at	at	ADP
cblr-1712	420	4	2	2	NUM
cblr-1712	420	5	.	.	PUNCT
cblr-1712	420	6	93	93	NUM
cblr-1712	420	7	see	see	VERB
cblr-1712	420	8	tiffaney	tiffaney	PROPN
cblr-1712	420	9	janowicz	janowicz	PROPN
cblr-1712	420	10	,	,	PUNCT
cblr-1712	420	11	class	class	NOUN
cblr-1712	420	12	action	action	NOUN
cblr-1712	420	13	perspectives	perspective	NOUN
cblr-1712	420	14	:	:	PUNCT
cblr-1712	420	15	anticipating	anticipate	VERB
cblr-1712	420	16	claims	claim	NOUN
cblr-1712	420	17	filing	filing	NOUN
cblr-1712	420	18	rates	rate	NOUN
cblr-1712	420	19	in	in	ADP
cblr-1712	420	20	class	class	NOUN
cblr-1712	420	21	action	action	NOUN
cblr-1712	420	22	settlements	settlement	NOUN
cblr-1712	420	23	(	(	PUNCT
cblr-1712	420	24	mar	mar	PROPN
cblr-1712	420	25	.	.	PROPN
cblr-1712	420	26	6	6	NUM
cblr-1712	420	27	,	,	PUNCT
cblr-1712	420	28	2013	2013	NUM
cblr-1712	420	29	)	)	PUNCT
cblr-1712	420	30	(	(	PUNCT
cblr-1712	420	31	unpublished	unpublished	ADJ
cblr-1712	420	32	paper	paper	NOUN
cblr-1712	420	33	)	)	PUNCT
cblr-1712	420	34	(	(	PUNCT
cblr-1712	420	35	on	on	ADP
cblr-1712	420	36	file	file	NOUN
cblr-1712	420	37	with	with	ADP
cblr-1712	420	38	the	the	DET
cblr-1712	420	39	federation	federation	PROPN
cblr-1712	420	40	of	of	ADP
cblr-1712	420	41	defense	defense	PROPN
cblr-1712	420	42	&	&	CCONJ
cblr-1712	420	43	corporate	corporate	ADJ
cblr-1712	420	44	counsel	counsel	NOUN
cblr-1712	420	45	)	)	PUNCT
cblr-1712	420	46	,	,	PUNCT
cblr-1712	420	47	http://www.thefederation.org/documents/16.class%20action%20	http://www.thefederation.org/documents/16.class%20action%20	PROPN
cblr-1712	420	48	perceptives.html	perceptives.html	VERB
cblr-1712	420	49	[	[	X
cblr-1712	420	50	https://perma.cc/7fv3-kjky	https://perma.cc/7fv3-kjky	X
cblr-1712	420	51	]	]	X
cblr-1712	420	52	.	.	PUNCT
cblr-1712	421	1	94	94	NUM
cblr-1712	422	1	i	i	PROPN
cblr-1712	422	2	d.	d.	PROPN
cblr-1712	422	3	johnston	johnston	PROPN
cblr-1712	422	4	–	–	PUNCT
cblr-1712	422	5	final	final	ADJ
cblr-1712	422	6	36	36	NUM
cblr-1712	422	7	columbia	columbia	PROPN
cblr-1712	422	8	business	business	NOUN
cblr-1712	422	9	law	law	PROPN
cblr-1712	422	10	review	review	NOUN
cblr-1712	423	1	[	[	X
cblr-1712	423	2	vol	vol	NOUN
cblr-1712	423	3	.	.	NOUN
cblr-1712	423	4	2017	2017	NUM
cblr-1712	423	5	finally	finally	ADV
cblr-1712	423	6	,	,	PUNCT
cblr-1712	423	7	atm	atm	PROPN
cblr-1712	423	8	notice	notice	NOUN
cblr-1712	423	9	failure	failure	NOUN
cblr-1712	423	10	cases	case	NOUN
cblr-1712	423	11	demonstrate	demonstrate	VERB
cblr-1712	423	12	that	that	SCONJ
cblr-1712	423	13	even	even	ADV
cblr-1712	423	14	in	in	ADP
cblr-1712	423	15	seemingly	seemingly	ADV
cblr-1712	423	16	simple	simple	ADJ
cblr-1712	423	17	cases	case	NOUN
cblr-1712	423	18	,	,	PUNCT
cblr-1712	423	19	defendants	defendant	NOUN
cblr-1712	423	20	will	will	AUX
cblr-1712	423	21	not	not	PART
cblr-1712	423	22	settle	settle	VERB
cblr-1712	423	23	until	until	SCONJ
cblr-1712	423	24	they	they	PRON
cblr-1712	423	25	exhaust	exhaust	VERB
cblr-1712	423	26	every	every	DET
cblr-1712	423	27	legally	legally	ADV
cblr-1712	423	28	plausible	plausible	ADJ
cblr-1712	423	29	defense	defense	NOUN
cblr-1712	423	30	making	make	VERB
cblr-1712	423	31	economic	economic	ADJ
cblr-1712	423	32	sense	sense	NOUN
cblr-1712	423	33	.	.	PUNCT
cblr-1712	424	1	indeed	indeed	ADV
cblr-1712	424	2	,	,	PUNCT
cblr-1712	424	3	evolution	evolution	NOUN
cblr-1712	424	4	of	of	ADP
cblr-1712	424	5	the	the	DET
cblr-1712	424	6	potential	potential	ADJ
cblr-1712	424	7	legal	legal	ADJ
cblr-1712	424	8	defenses	defense	NOUN
cblr-1712	424	9	to	to	PART
cblr-1712	424	10	atm	atm	NOUN
cblr-1712	424	11	notice	notice	NOUN
cblr-1712	424	12	failure	failure	NOUN
cblr-1712	424	13	cases	case	NOUN
cblr-1712	424	14	explains	explain	VERB
cblr-1712	424	15	the	the	DET
cblr-1712	424	16	evolution	evolution	NOUN
cblr-1712	424	17	in	in	ADP
cblr-1712	424	18	outcomes	outcome	NOUN
cblr-1712	424	19	in	in	ADP
cblr-1712	424	20	such	such	ADJ
cblr-1712	424	21	cases	case	NOUN
cblr-1712	424	22	over	over	ADP
cblr-1712	424	23	the	the	DET
cblr-1712	424	24	2010–2012	2010–2012	NUM
cblr-1712	424	25	period	period	NOUN
cblr-1712	424	26	.	.	PUNCT
cblr-1712	425	1	during	during	ADP
cblr-1712	425	2	2010	2010	NUM
cblr-1712	425	3	,	,	PUNCT
cblr-1712	425	4	defendants	defendant	NOUN
cblr-1712	425	5	won	win	VERB
cblr-1712	425	6	fully	fully	ADV
cblr-1712	425	7	a	a	DET
cblr-1712	425	8	third	third	NOUN
cblr-1712	425	9	of	of	ADP
cblr-1712	425	10	the	the	DET
cblr-1712	425	11	atm	atm	NOUN
cblr-1712	425	12	notice	notice	NOUN
cblr-1712	425	13	cases	case	NOUN
cblr-1712	425	14	by	by	ADP
cblr-1712	425	15	making	make	VERB
cblr-1712	425	16	an	an	DET
cblr-1712	425	17	offer	offer	NOUN
cblr-1712	425	18	of	of	ADP
cblr-1712	425	19	judgment	judgment	NOUN
cblr-1712	425	20	to	to	ADP
cblr-1712	425	21	the	the	DET
cblr-1712	425	22	named	name	VERB
cblr-1712	425	23	plaintiff	plaintiff	NOUN
cblr-1712	425	24	and	and	CCONJ
cblr-1712	425	25	then	then	ADV
cblr-1712	425	26	moving	move	VERB
cblr-1712	425	27	to	to	PART
cblr-1712	425	28	dismiss	dismiss	VERB
cblr-1712	425	29	the	the	DET
cblr-1712	425	30	case	case	NOUN
cblr-1712	425	31	as	as	ADP
cblr-1712	425	32	moot.95	moot.95	NOUN
cblr-1712	425	33	this	this	DET
cblr-1712	425	34	tactic	tactic	NOUN
cblr-1712	425	35	—	—	PUNCT
cblr-1712	425	36	buying	buy	VERB
cblr-1712	425	37	out	out	ADP
cblr-1712	425	38	the	the	DET
cblr-1712	425	39	named	name	VERB
cblr-1712	425	40	plaintiff	plaintiff	NOUN
cblr-1712	425	41	and	and	CCONJ
cblr-1712	425	42	therefore	therefore	ADV
cblr-1712	425	43	mooting	moot	VERB
cblr-1712	425	44	the	the	DET
cblr-1712	425	45	class	class	NOUN
cblr-1712	425	46	action	action	NOUN
cblr-1712	425	47	—	—	PUNCT
cblr-1712	425	48	was	be	AUX
cblr-1712	425	49	possible	possible	ADJ
cblr-1712	425	50	under	under	ADP
cblr-1712	425	51	the	the	DET
cblr-1712	425	52	seventh	seventh	ADJ
cblr-1712	425	53	circuit	circuit	NOUN
cblr-1712	425	54	precedent	precedent	NOUN
cblr-1712	425	55	damasco	damasco	PROPN
cblr-1712	425	56	v.	v.	PROPN
cblr-1712	425	57	clearwire	clearwire	PROPN
cblr-1712	425	58	corp.96	corp.96	PROPN
cblr-1712	425	59	once	once	SCONJ
cblr-1712	425	60	the	the	DET
cblr-1712	425	61	defendant	defendant	NOUN
cblr-1712	425	62	“	"	PUNCT
cblr-1712	425	63	offers	offer	VERB
cblr-1712	425	64	to	to	PART
cblr-1712	425	65	satisfy	satisfy	VERB
cblr-1712	425	66	the	the	DET
cblr-1712	425	67	plaintiff	plaintiff	NOUN
cblr-1712	425	68	’s	’s	PART
cblr-1712	425	69	entire	entire	ADJ
cblr-1712	425	70	demand	demand	NOUN
cblr-1712	425	71	,	,	PUNCT
cblr-1712	425	72	there	there	PRON
cblr-1712	425	73	is	be	VERB
cblr-1712	425	74	no	no	DET
cblr-1712	425	75	dispute	dispute	NOUN
cblr-1712	425	76	over	over	ADP
cblr-1712	425	77	which	which	PRON
cblr-1712	425	78	to	to	PART
cblr-1712	425	79	litigate	litigate	VERB
cblr-1712	425	80	,	,	PUNCT
cblr-1712	425	81	and	and	CCONJ
cblr-1712	425	82	a	a	DET
cblr-1712	425	83	plaintiff	plaintiff	NOUN
cblr-1712	425	84	who	who	PRON
cblr-1712	425	85	refuses	refuse	VERB
cblr-1712	425	86	to	to	PART
cblr-1712	425	87	acknowledge	acknowledge	VERB
cblr-1712	425	88	this	this	PRON
cblr-1712	425	89	loses	lose	VERB
cblr-1712	425	90	outright	outright	ADV
cblr-1712	425	91	,	,	PUNCT
cblr-1712	425	92	under	under	ADP
cblr-1712	425	93	[	[	PUNCT
cblr-1712	425	94	frcp	frcp	NOUN
cblr-1712	425	95	]	]	PUNCT
cblr-1712	425	96	12(b)(1	12(b)(1	NUM
cblr-1712	425	97	)	)	PUNCT
cblr-1712	425	98	,	,	PUNCT
cblr-1712	425	99	because	because	SCONJ
cblr-1712	425	100	he	he	PRON
cblr-1712	425	101	has	have	VERB
cblr-1712	425	102	no	no	DET
cblr-1712	425	103	remaining	remain	VERB
cblr-1712	425	104	stake	stake	NOUN
cblr-1712	425	105	.	.	PUNCT
cblr-1712	426	1	”97	”97	NOUN
cblr-1712	426	2	as	as	SCONJ
cblr-1712	426	3	the	the	DET
cblr-1712	426	4	plaintiff	plaintiff	NOUN
cblr-1712	426	5	in	in	ADP
cblr-1712	426	6	clearwire	clearwire	PROPN
cblr-1712	426	7	pointed	point	VERB
cblr-1712	426	8	out	out	ADP
cblr-1712	426	9	,	,	PUNCT
cblr-1712	426	10	other	other	ADJ
cblr-1712	426	11	circuits	circuit	NOUN
cblr-1712	426	12	had	have	AUX
cblr-1712	426	13	created	create	VERB
cblr-1712	426	14	a	a	DET
cblr-1712	426	15	rule	rule	NOUN
cblr-1712	426	16	that	that	PRON
cblr-1712	426	17	allows	allow	VERB
cblr-1712	426	18	named	name	VERB
cblr-1712	426	19	class	class	NOUN
cblr-1712	426	20	plaintiffs	plaintiff	NOUN
cblr-1712	426	21	to	to	PART
cblr-1712	426	22	avoid	avoid	VERB
cblr-1712	426	23	mootness	mootness	NOUN
cblr-1712	426	24	by	by	ADP
cblr-1712	426	25	expeditiously	expeditiously	ADV
cblr-1712	426	26	moving	move	VERB
cblr-1712	426	27	to	to	PART
cblr-1712	426	28	certify	certify	VERB
cblr-1712	426	29	the	the	DET
cblr-1712	426	30	class	class	NOUN
cblr-1712	426	31	even	even	ADV
cblr-1712	426	32	after	after	ADP
cblr-1712	426	33	being	be	AUX
cblr-1712	426	34	offered	offer	VERB
cblr-1712	426	35	complete	complete	ADJ
cblr-1712	426	36	relief.98	relief.98	PROPN
cblr-1712	426	37	the	the	DET
cblr-1712	426	38	seventh	seventh	ADJ
cblr-1712	426	39	circuit	circuit	NOUN
cblr-1712	426	40	held	hold	VERB
cblr-1712	426	41	that	that	SCONJ
cblr-1712	426	42	such	such	DET
cblr-1712	426	43	an	an	DET
cblr-1712	426	44	exception	exception	NOUN
cblr-1712	426	45	to	to	ADP
cblr-1712	426	46	mootness	mootness	NOUN
cblr-1712	426	47	in	in	ADP
cblr-1712	426	48	class	class	NOUN
cblr-1712	426	49	actions	action	NOUN
cblr-1712	426	50	was	be	AUX
cblr-1712	426	51	unnecessary	unnecessary	ADJ
cblr-1712	426	52	because	because	SCONJ
cblr-1712	426	53	class	class	NOUN
cblr-1712	426	54	counsel	counsel	NOUN
cblr-1712	426	55	could	could	AUX
cblr-1712	426	56	move	move	VERB
cblr-1712	426	57	to	to	PART
cblr-1712	426	58	certify	certify	VERB
cblr-1712	426	59	the	the	DET
cblr-1712	426	60	class	class	NOUN
cblr-1712	426	61	at	at	ADP
cblr-1712	426	62	the	the	DET
cblr-1712	426	63	same	same	ADJ
cblr-1712	426	64	time	time	NOUN
cblr-1712	426	65	they	they	PRON
cblr-1712	426	66	file	file	VERB
cblr-1712	426	67	the	the	DET
cblr-1712	426	68	complaint.99	complaint.99	NOUN
cblr-1712	426	69	class	class	NOUN
cblr-1712	426	70	counsel	counsel	NOUN
cblr-1712	426	71	could	could	AUX
cblr-1712	426	72	also	also	ADV
cblr-1712	426	73	request	request	VERB
cblr-1712	426	74	that	that	SCONJ
cblr-1712	426	75	the	the	DET
cblr-1712	426	76	court	court	NOUN
cblr-1712	426	77	delay	delay	NOUN
cblr-1712	426	78	ruling	rule	VERB
cblr-1712	426	79	on	on	ADP
cblr-1712	426	80	the	the	DET
cblr-1712	426	81	motion	motion	NOUN
cblr-1712	426	82	to	to	PART
cblr-1712	426	83	certify	certify	VERB
cblr-1712	426	84	the	the	DET
cblr-1712	426	85	class	class	NOUN
cblr-1712	426	86	to	to	PART
cblr-1712	426	87	allow	allow	VERB
cblr-1712	426	88	time	time	NOUN
cblr-1712	426	89	for	for	ADP
cblr-1712	426	90	substantial	substantial	ADJ
cblr-1712	426	91	discovery	discovery	NOUN
cblr-1712	426	92	on	on	ADP
cblr-1712	426	93	the	the	DET
cblr-1712	426	94	class	class	NOUN
cblr-1712	426	95	certification	certification	NOUN
cblr-1712	426	96	issue.100	issue.100	PROPN
cblr-1712	426	97	in	in	ADP
cblr-1712	426	98	2010	2010	NUM
cblr-1712	426	99	,	,	PUNCT
cblr-1712	426	100	plaintiffs	plaintiff	NOUN
cblr-1712	426	101	lost	lose	VERB
cblr-1712	426	102	many	many	ADJ
cblr-1712	426	103	of	of	ADP
cblr-1712	426	104	the	the	DET
cblr-1712	426	105	atm	atm	NOUN
cblr-1712	426	106	notice	notice	NOUN
cblr-1712	426	107	class	class	NOUN
cblr-1712	426	108	actions	action	NOUN
cblr-1712	426	109	.	.	PUNCT
cblr-1712	427	1	in	in	ADP
cblr-1712	427	2	some	some	DET
cblr-1712	427	3	instances	instance	NOUN
cblr-1712	427	4	,	,	PUNCT
cblr-1712	427	5	defendant	defendant	NOUN
cblr-1712	427	6	established	establish	VERB
cblr-1712	427	7	the	the	DET
cblr-1712	427	8	affirmative	affirmative	ADJ
cblr-1712	427	9	defense	defense	NOUN
cblr-1712	427	10	that	that	SCONJ
cblr-1712	427	11	it	it	PRON
cblr-1712	427	12	had	have	AUX
cblr-1712	427	13	posted	post	VERB
cblr-1712	427	14	the	the	DET
cblr-1712	427	15	required	require	VERB
cblr-1712	427	16	notice	notice	NOUN
cblr-1712	427	17	but	but	CCONJ
cblr-1712	427	18	95	95	NUM
cblr-1712	427	19	see	see	VERB
cblr-1712	427	20	stiltz	stiltz	PROPN
cblr-1712	427	21	v.	v.	ADP
cblr-1712	427	22	blackstone	blackstone	PROPN
cblr-1712	427	23	atm	atm	PROPN
cblr-1712	427	24	llc	llc	PROPN
cblr-1712	427	25	,	,	PUNCT
cblr-1712	427	26	no	no	NOUN
cblr-1712	427	27	.	.	NOUN
cblr-1712	428	1	10	10	NUM
cblr-1712	428	2	-	-	PUNCT
cblr-1712	428	3	cv-01997	cv-01997	NOUN
cblr-1712	428	4	(	(	PUNCT
cblr-1712	428	5	n.d	n.d	PROPN
cblr-1712	428	6	.	.	PROPN
cblr-1712	428	7	ill	ill	PROPN
cblr-1712	428	8	.	.	PROPN
cblr-1712	428	9	2010	2010	NUM
cblr-1712	428	10	)	)	PUNCT
cblr-1712	428	11	;	;	PUNCT
cblr-1712	429	1	stiltz	stiltz	PROPN
cblr-1712	429	2	v.	v.	ADP
cblr-1712	429	3	standard	standard	PROPN
cblr-1712	429	4	bank	bank	PROPN
cblr-1712	429	5	&	&	CCONJ
cblr-1712	429	6	trust	trust	PROPN
cblr-1712	429	7	co.	co.	PROPN
cblr-1712	429	8	,	,	PUNCT
cblr-1712	429	9	no	no	INTJ
cblr-1712	429	10	.	.	NOUN
cblr-1712	429	11	10	10	NUM
cblr-1712	429	12	-	-	PUNCT
cblr-1712	429	13	cv-01996	cv-01996	PROPN
cblr-1712	429	14	(	(	PUNCT
cblr-1712	429	15	n.d	n.d	PROPN
cblr-1712	429	16	.	.	PROPN
cblr-1712	429	17	ill	ill	ADJ
cblr-1712	429	18	2010	2010	NUM
cblr-1712	429	19	)	)	PUNCT
cblr-1712	429	20	;	;	PUNCT
cblr-1712	430	1	stiltz	stiltz	ADJ
cblr-1712	430	2	v.	v.	ADP
cblr-1712	430	3	global	global	ADJ
cblr-1712	430	4	cash	cash	NOUN
cblr-1712	430	5	network	network	NOUN
cblr-1712	430	6	,	,	PUNCT
cblr-1712	430	7	inc	inc	PROPN
cblr-1712	430	8	.	.	PROPN
cblr-1712	430	9	,	,	PUNCT
cblr-1712	430	10	no	no	INTJ
cblr-1712	430	11	.	.	NOUN
cblr-1712	430	12	10	10	NUM
cblr-1712	430	13	-	-	PUNCT
cblr-1712	430	14	cv-01998	cv-01998	PROPN
cblr-1712	430	15	(	(	PUNCT
cblr-1712	430	16	n.d	n.d	PROPN
cblr-1712	430	17	.	.	PROPN
cblr-1712	430	18	ill	ill	PROPN
cblr-1712	430	19	.	.	PROPN
cblr-1712	430	20	2010	2010	NUM
cblr-1712	430	21	)	)	PUNCT
cblr-1712	430	22	.	.	PUNCT
cblr-1712	431	1	96	96	NUM
cblr-1712	431	2	damasco	damasco	PROPN
cblr-1712	431	3	v.	v.	PROPN
cblr-1712	431	4	clearwire	clearwire	PROPN
cblr-1712	431	5	corp	corp	PROPN
cblr-1712	431	6	.	.	PROPN
cblr-1712	431	7	,	,	PUNCT
cblr-1712	431	8	662	662	NUM
cblr-1712	431	9	f.3d	f.3d	NUM
cblr-1712	431	10	891	891	NUM
cblr-1712	431	11	,	,	PUNCT
cblr-1712	431	12	895	895	NUM
cblr-1712	431	13	(	(	PUNCT
cblr-1712	431	14	7th	7th	ADJ
cblr-1712	431	15	cir	cir	NOUN
cblr-1712	431	16	.	.	PUNCT
cblr-1712	431	17	2011	2011	NUM
cblr-1712	431	18	)	)	PUNCT
cblr-1712	431	19	(	(	PUNCT
cblr-1712	431	20	quoting	quote	VERB
cblr-1712	431	21	rand	rand	NOUN
cblr-1712	431	22	v.	v.	ADP
cblr-1712	431	23	monsanto	monsanto	PROPN
cblr-1712	431	24	co.	co.	PROPN
cblr-1712	431	25	,	,	PUNCT
cblr-1712	431	26	926	926	NUM
cblr-1712	431	27	f.2d	f.2d	NOUN
cblr-1712	431	28	596	596	NUM
cblr-1712	431	29	,	,	PUNCT
cblr-1712	431	30	598	598	NUM
cblr-1712	431	31	(	(	PUNCT
cblr-1712	431	32	7th	7th	ADJ
cblr-1712	431	33	cir	cir	NOUN
cblr-1712	431	34	.	.	PROPN
cblr-1712	431	35	1991	1991	NUM
cblr-1712	431	36	)	)	PUNCT
cblr-1712	431	37	)	)	PUNCT
cblr-1712	431	38	.	.	PUNCT
cblr-1712	432	1	97	97	NUM
cblr-1712	433	1	i	i	PRON
cblr-1712	433	2	d.	d.	PROPN
cblr-1712	433	3	98	98	NUM
cblr-1712	434	1	i	i	PRON
cblr-1712	434	2	d.	d.	PROPN
cblr-1712	434	3	at	at	ADP
cblr-1712	434	4	895–96	895–96	NOUN
cblr-1712	434	5	.	.	PUNCT
cblr-1712	435	1	99	99	NUM
cblr-1712	436	1	i	i	PRON
cblr-1712	436	2	d.	d.	PROPN
cblr-1712	436	3	at	at	ADP
cblr-1712	436	4	896	896	NUM
cblr-1712	436	5	.	.	NOUN
cblr-1712	436	6	100	100	NUM
cblr-1712	437	1	i	i	PROPN
cblr-1712	437	2	d.	d.	PROPN
cblr-1712	437	3	johnston	johnston	PROPN
cblr-1712	437	4	–	–	PUNCT
cblr-1712	437	5	final	final	ADJ
cblr-1712	437	6	no	no	NOUN
cblr-1712	437	7	.	.	NOUN
cblr-1712	437	8	1:1	1:1	NUM
cblr-1712	437	9	]	]	X
cblr-1712	437	10	high	high	ADJ
cblr-1712	437	11	cost	cost	NOUN
cblr-1712	437	12	,	,	PUNCT
cblr-1712	437	13	little	little	ADJ
cblr-1712	437	14	compensation	compensation	NOUN
cblr-1712	437	15	37	37	NUM
cblr-1712	437	16	the	the	DET
cblr-1712	437	17	notice	notice	NOUN
cblr-1712	437	18	was	be	AUX
cblr-1712	437	19	removed	remove	VERB
cblr-1712	437	20	through	through	ADP
cblr-1712	437	21	no	no	DET
cblr-1712	437	22	fault	fault	NOUN
cblr-1712	437	23	of	of	ADP
cblr-1712	437	24	the	the	DET
cblr-1712	437	25	defendant.101	defendant.101	PROPN
cblr-1712	437	26	most	most	ADJ
cblr-1712	437	27	,	,	PUNCT
cblr-1712	437	28	however	however	ADV
cblr-1712	437	29	,	,	PUNCT
cblr-1712	437	30	were	be	AUX
cblr-1712	437	31	lost	lose	VERB
cblr-1712	437	32	because	because	SCONJ
cblr-1712	437	33	defendants	defendant	NOUN
cblr-1712	437	34	made	make	VERB
cblr-1712	437	35	offers	offer	NOUN
cblr-1712	437	36	of	of	ADP
cblr-1712	437	37	full	full	ADJ
cblr-1712	437	38	judgment	judgment	NOUN
cblr-1712	437	39	before	before	SCONJ
cblr-1712	437	40	plaintiffs	plaintiff	NOUN
cblr-1712	437	41	had	have	AUX
cblr-1712	437	42	requested	request	VERB
cblr-1712	437	43	class	class	NOUN
cblr-1712	437	44	certification	certification	NOUN
cblr-1712	437	45	,	,	PUNCT
cblr-1712	437	46	thus	thus	ADV
cblr-1712	437	47	mooting	moot	VERB
cblr-1712	437	48	these	these	DET
cblr-1712	437	49	cases	case	NOUN
cblr-1712	437	50	under	under	ADP
cblr-1712	437	51	the	the	DET
cblr-1712	437	52	seventh	seventh	ADJ
cblr-1712	437	53	circuit	circuit	NOUN
cblr-1712	437	54	’s	’s	PART
cblr-1712	437	55	clearwire	clearwire	NOUN
cblr-1712	437	56	decision	decision	NOUN
cblr-1712	437	57	.	.	PUNCT
cblr-1712	438	1	however	however	ADV
cblr-1712	438	2	,	,	PUNCT
cblr-1712	438	3	as	as	SCONJ
cblr-1712	438	4	one	one	PRON
cblr-1712	438	5	can	can	AUX
cblr-1712	438	6	discern	discern	VERB
cblr-1712	438	7	from	from	ADP
cblr-1712	438	8	the	the	DET
cblr-1712	438	9	pleadings	pleading	NOUN
cblr-1712	438	10	,	,	PUNCT
cblr-1712	438	11	by	by	ADP
cblr-1712	438	12	2011	2011	NUM
cblr-1712	438	13	,	,	PUNCT
cblr-1712	438	14	class	class	NOUN
cblr-1712	438	15	counsel	counsel	NOUN
cblr-1712	438	16	had	have	AUX
cblr-1712	438	17	learned	learn	VERB
cblr-1712	438	18	how	how	SCONJ
cblr-1712	438	19	to	to	PART
cblr-1712	438	20	deal	deal	VERB
cblr-1712	438	21	with	with	ADP
cblr-1712	438	22	the	the	DET
cblr-1712	438	23	mootness	mootness	NOUN
cblr-1712	438	24	problem	problem	NOUN
cblr-1712	438	25	by	by	ADP
cblr-1712	438	26	filing	file	VERB
cblr-1712	438	27	motions	motion	NOUN
cblr-1712	438	28	for	for	ADP
cblr-1712	438	29	class	class	NOUN
cblr-1712	438	30	certification	certification	NOUN
cblr-1712	438	31	early	early	ADV
cblr-1712	438	32	on	on	ADV
cblr-1712	438	33	,	,	PUNCT
cblr-1712	438	34	or	or	CCONJ
cblr-1712	438	35	telling	tell	VERB
cblr-1712	438	36	the	the	DET
cblr-1712	438	37	court	court	NOUN
cblr-1712	438	38	that	that	SCONJ
cblr-1712	438	39	they	they	PRON
cblr-1712	438	40	were	be	AUX
cblr-1712	438	41	going	go	VERB
cblr-1712	438	42	to	to	PART
cblr-1712	438	43	do	do	VERB
cblr-1712	438	44	so	so	ADV
cblr-1712	438	45	.	.	PUNCT
cblr-1712	439	1	and	and	CCONJ
cblr-1712	439	2	class	class	NOUN
cblr-1712	439	3	counsel	counsel	NOUN
cblr-1712	439	4	had	have	AUX
cblr-1712	439	5	learned	learn	VERB
cblr-1712	439	6	how	how	SCONJ
cblr-1712	439	7	to	to	PART
cblr-1712	439	8	better	well	ADV
cblr-1712	439	9	prove	prove	VERB
cblr-1712	439	10	notice	notice	NOUN
cblr-1712	439	11	violations	violation	NOUN
cblr-1712	439	12	:	:	PUNCT
cblr-1712	439	13	they	they	PRON
cblr-1712	439	14	took	take	VERB
cblr-1712	439	15	photos	photo	NOUN
cblr-1712	439	16	of	of	ADP
cblr-1712	439	17	atms	atms	NOUN
cblr-1712	439	18	over	over	ADP
cblr-1712	439	19	the	the	DET
cblr-1712	439	20	course	course	NOUN
cblr-1712	439	21	of	of	ADP
cblr-1712	439	22	several	several	ADJ
cblr-1712	439	23	days	day	NOUN
cblr-1712	439	24	before	before	SCONJ
cblr-1712	439	25	the	the	DET
cblr-1712	439	26	named	name	VERB
cblr-1712	439	27	plaintiffs	plaintiff	NOUN
cblr-1712	439	28	tried	try	VERB
cblr-1712	439	29	to	to	PART
cblr-1712	439	30	use	use	VERB
cblr-1712	439	31	an	an	DET
cblr-1712	439	32	atm	atm	NOUN
cblr-1712	439	33	without	without	ADP
cblr-1712	439	34	the	the	DET
cblr-1712	439	35	“	"	PUNCT
cblr-1712	439	36	on	on	ADP
cblr-1712	439	37	or	or	CCONJ
cblr-1712	439	38	at	at	ADP
cblr-1712	439	39	”	"	PUNCT
cblr-1712	439	40	notice	notice	NOUN
cblr-1712	439	41	.	.	PUNCT
cblr-1712	440	1	as	as	ADP
cblr-1712	440	2	a	a	DET
cblr-1712	440	3	result	result	NOUN
cblr-1712	440	4	,	,	PUNCT
cblr-1712	440	5	atm	atm	ADJ
cblr-1712	440	6	notice	notice	NOUN
cblr-1712	440	7	class	class	NOUN
cblr-1712	440	8	actions	action	NOUN
cblr-1712	440	9	in	in	ADP
cblr-1712	440	10	2011	2011	NUM
cblr-1712	440	11	and	and	CCONJ
cblr-1712	440	12	2012	2012	NUM
cblr-1712	440	13	almost	almost	ADV
cblr-1712	440	14	always	always	ADV
cblr-1712	440	15	succeeded	succeed	VERB
cblr-1712	440	16	in	in	ADP
cblr-1712	440	17	generating	generate	VERB
cblr-1712	440	18	some	some	DET
cblr-1712	440	19	kind	kind	NOUN
cblr-1712	440	20	of	of	ADP
cblr-1712	440	21	settlement	settlement	NOUN
cblr-1712	440	22	for	for	ADP
cblr-1712	440	23	the	the	DET
cblr-1712	440	24	individual	individual	ADJ
cblr-1712	440	25	plaintiff	plaintiff	NOUN
cblr-1712	440	26	and/or	and/or	CCONJ
cblr-1712	440	27	the	the	DET
cblr-1712	440	28	class	class	NOUN
cblr-1712	440	29	:	:	PUNCT
cblr-1712	440	30	92	92	NUM
cblr-1712	440	31	%	%	NOUN
cblr-1712	440	32	of	of	ADP
cblr-1712	440	33	the	the	DET
cblr-1712	440	34	cases	case	NOUN
cblr-1712	440	35	filed	file	VERB
cblr-1712	440	36	in	in	ADP
cblr-1712	440	37	2011	2011	NUM
cblr-1712	440	38	and	and	CCONJ
cblr-1712	440	39	83	83	NUM
cblr-1712	440	40	%	%	NOUN
cblr-1712	440	41	of	of	ADP
cblr-1712	440	42	the	the	DET
cblr-1712	440	43	cases	case	NOUN
cblr-1712	440	44	filed	file	VERB
cblr-1712	440	45	in	in	ADP
cblr-1712	440	46	2012	2012	NUM
cblr-1712	440	47	resulted	result	VERB
cblr-1712	440	48	in	in	ADP
cblr-1712	440	49	a	a	DET
cblr-1712	440	50	settlement	settlement	NOUN
cblr-1712	440	51	.	.	PUNCT
cblr-1712	441	1	admittedly	admittedly	ADV
cblr-1712	441	2	,	,	PUNCT
cblr-1712	441	3	as	as	SCONJ
cblr-1712	441	4	table	table	NOUN
cblr-1712	441	5	1	1	NUM
cblr-1712	441	6	shows	show	NOUN
cblr-1712	441	7	,	,	PUNCT
cblr-1712	441	8	the	the	DET
cblr-1712	441	9	type	type	NOUN
cblr-1712	441	10	of	of	ADP
cblr-1712	441	11	settlement	settlement	NOUN
cblr-1712	441	12	was	be	AUX
cblr-1712	441	13	radically	radically	ADV
cblr-1712	441	14	different	different	ADJ
cblr-1712	441	15	between	between	ADP
cblr-1712	441	16	cases	case	NOUN
cblr-1712	441	17	filed	file	VERB
cblr-1712	441	18	in	in	ADP
cblr-1712	441	19	2011	2011	NUM
cblr-1712	441	20	and	and	CCONJ
cblr-1712	441	21	those	those	PRON
cblr-1712	441	22	filed	file	VERB
cblr-1712	441	23	in	in	ADP
cblr-1712	441	24	2012	2012	NUM
cblr-1712	441	25	.	.	PUNCT
cblr-1712	442	1	in	in	ADP
cblr-1712	442	2	2011	2011	NUM
cblr-1712	442	3	,	,	PUNCT
cblr-1712	442	4	38	38	NUM
cblr-1712	442	5	%	%	NOUN
cblr-1712	442	6	of	of	ADP
cblr-1712	442	7	the	the	DET
cblr-1712	442	8	atm	atm	NOUN
cblr-1712	442	9	notice	notice	NOUN
cblr-1712	442	10	failure	failure	NOUN
cblr-1712	442	11	class	class	NOUN
cblr-1712	442	12	-	-	PUNCT
cblr-1712	442	13	action	action	NOUN
cblr-1712	442	14	filings	filing	NOUN
cblr-1712	442	15	resulted	result	VERB
cblr-1712	442	16	in	in	ADP
cblr-1712	442	17	class	class	NOUN
cblr-1712	442	18	settlements	settlement	NOUN
cblr-1712	442	19	.	.	PUNCT
cblr-1712	443	1	none	none	NOUN
cblr-1712	443	2	of	of	ADP
cblr-1712	443	3	the	the	DET
cblr-1712	443	4	atm	atm	NOUN
cblr-1712	443	5	notice	notice	NOUN
cblr-1712	443	6	failure	failure	NOUN
cblr-1712	443	7	class	class	NOUN
cblr-1712	443	8	actions	action	NOUN
cblr-1712	443	9	filed	file	VERB
cblr-1712	443	10	in	in	ADP
cblr-1712	443	11	2012	2012	NUM
cblr-1712	443	12	resulted	result	VERB
cblr-1712	443	13	in	in	ADP
cblr-1712	443	14	class	class	NOUN
cblr-1712	443	15	settlements	settlement	NOUN
cblr-1712	443	16	;	;	PUNCT
cblr-1712	443	17	parties	party	NOUN
cblr-1712	443	18	agreed	agree	VERB
cblr-1712	443	19	only	only	ADV
cblr-1712	443	20	to	to	ADP
cblr-1712	443	21	individual	individual	ADJ
cblr-1712	443	22	settlements	settlement	NOUN
cblr-1712	443	23	.	.	PUNCT
cblr-1712	444	1	the	the	DET
cblr-1712	444	2	reason	reason	NOUN
cblr-1712	444	3	undoubtedly	undoubtedly	ADV
cblr-1712	444	4	is	be	AUX
cblr-1712	444	5	that	that	SCONJ
cblr-1712	444	6	by	by	ADP
cblr-1712	444	7	the	the	DET
cblr-1712	444	8	time	time	NOUN
cblr-1712	444	9	the	the	DET
cblr-1712	444	10	2012	2012	NUM
cblr-1712	444	11	filings	filing	NOUN
cblr-1712	444	12	reached	reach	VERB
cblr-1712	444	13	the	the	DET
cblr-1712	444	14	point	point	NOUN
cblr-1712	444	15	where	where	SCONJ
cblr-1712	444	16	settlement	settlement	NOUN
cblr-1712	444	17	discussions	discussion	NOUN
cblr-1712	444	18	could	could	AUX
cblr-1712	444	19	begin	begin	VERB
cblr-1712	444	20	,	,	PUNCT
cblr-1712	444	21	all	all	DET
cblr-1712	444	22	parties	party	NOUN
cblr-1712	444	23	recognized	recognize	VERB
cblr-1712	444	24	that	that	SCONJ
cblr-1712	444	25	congress	congress	PROPN
cblr-1712	444	26	was	be	AUX
cblr-1712	444	27	soon	soon	ADV
cblr-1712	444	28	to	to	PART
cblr-1712	444	29	amend	amend	VERB
cblr-1712	444	30	the	the	DET
cblr-1712	444	31	statute	statute	NOUN
cblr-1712	444	32	to	to	PART
cblr-1712	444	33	eliminate	eliminate	VERB
cblr-1712	444	34	the	the	DET
cblr-1712	444	35	basis	basis	NOUN
cblr-1712	444	36	of	of	ADP
cblr-1712	444	37	the	the	DET
cblr-1712	444	38	cause	cause	NOUN
cblr-1712	444	39	of	of	ADP
cblr-1712	444	40	action	action	NOUN
cblr-1712	444	41	for	for	ADP
cblr-1712	444	42	all	all	DET
cblr-1712	444	43	future	future	ADJ
cblr-1712	444	44	cases	case	NOUN
cblr-1712	444	45	.	.	PUNCT
cblr-1712	445	1	congressional	congressional	ADJ
cblr-1712	445	2	elimination	elimination	NOUN
cblr-1712	445	3	of	of	ADP
cblr-1712	445	4	the	the	DET
cblr-1712	445	5	cause	cause	NOUN
cblr-1712	445	6	of	of	ADP
cblr-1712	445	7	action	action	NOUN
cblr-1712	445	8	would	would	AUX
cblr-1712	445	9	likely	likely	ADV
cblr-1712	445	10	have	have	AUX
cblr-1712	445	11	made	make	VERB
cblr-1712	445	12	it	it	PRON
cblr-1712	445	13	difficult	difficult	ADJ
cblr-1712	445	14	to	to	PART
cblr-1712	445	15	justify	justify	VERB
cblr-1712	445	16	the	the	DET
cblr-1712	445	17	fairness	fairness	NOUN
cblr-1712	445	18	of	of	ADP
cblr-1712	445	19	a	a	DET
cblr-1712	445	20	class	class	NOUN
cblr-1712	445	21	-	-	PUNCT
cblr-1712	445	22	action	action	NOUN
cblr-1712	445	23	settlement	settlement	NOUN
cblr-1712	445	24	to	to	ADP
cblr-1712	445	25	the	the	DET
cblr-1712	445	26	court	court	NOUN
cblr-1712	445	27	.	.	PUNCT
cblr-1712	446	1	c.	c.	PROPN
cblr-1712	446	2	class	class	PROPN
cblr-1712	446	3	actions	action	NOUN
cblr-1712	446	4	under	under	ADP
cblr-1712	446	5	the	the	DET
cblr-1712	446	6	other	other	ADJ
cblr-1712	446	7	major	major	ADJ
cblr-1712	446	8	federal	federal	ADJ
cblr-1712	446	9	consumer	consumer	NOUN
cblr-1712	446	10	protection	protection	NOUN
cblr-1712	446	11	statutes	statute	NOUN
cblr-1712	446	12	atm	atm	NOUN
cblr-1712	446	13	notice	notice	NOUN
cblr-1712	446	14	failure	failure	NOUN
cblr-1712	446	15	class	class	NOUN
cblr-1712	446	16	actions	action	NOUN
cblr-1712	446	17	under	under	ADP
cblr-1712	446	18	the	the	DET
cblr-1712	446	19	efta	efta	NOUN
cblr-1712	446	20	are	be	AUX
cblr-1712	446	21	now	now	ADV
cblr-1712	446	22	extinct	extinct	ADJ
cblr-1712	446	23	,	,	PUNCT
cblr-1712	446	24	but	but	CCONJ
cblr-1712	446	25	consumer	consumer	NOUN
cblr-1712	446	26	class	class	NOUN
cblr-1712	446	27	actions	action	NOUN
cblr-1712	446	28	survive	survive	VERB
cblr-1712	446	29	across	across	ADP
cblr-1712	446	30	the	the	DET
cblr-1712	446	31	101	101	NUM
cblr-1712	446	32	see	see	NOUN
cblr-1712	446	33	,	,	PUNCT
cblr-1712	446	34	e.g.	e.g.	ADV
cblr-1712	446	35	,	,	PUNCT
cblr-1712	446	36	reyes	reyes	PROPN
cblr-1712	446	37	v.	v.	PROPN
cblr-1712	446	38	cole	cole	PROPN
cblr-1712	446	39	taylor	taylor	PROPN
cblr-1712	446	40	bank	bank	PROPN
cblr-1712	446	41	,	,	PUNCT
cblr-1712	446	42	no	no	INTJ
cblr-1712	446	43	.	.	NOUN
cblr-1712	447	1	10	10	NUM
cblr-1712	447	2	-	-	PUNCT
cblr-1712	447	3	cv-02181	cv-02181	NOUN
cblr-1712	447	4	(	(	PUNCT
cblr-1712	447	5	n.d	n.d	PROPN
cblr-1712	447	6	.	.	PROPN
cblr-1712	447	7	ill	ill	PROPN
cblr-1712	447	8	.	.	PROPN
cblr-1712	447	9	2010	2010	NUM
cblr-1712	447	10	)	)	PUNCT
cblr-1712	447	11	,	,	PUNCT
cblr-1712	447	12	ecf	ecf	PROPN
cblr-1712	447	13	no	no	INTJ
cblr-1712	447	14	.	.	PROPN
cblr-1712	448	1	55	55	NUM
cblr-1712	448	2	(	(	PUNCT
cblr-1712	448	3	opinion	opinion	NOUN
cblr-1712	448	4	granting	grant	VERB
cblr-1712	448	5	summary	summary	NOUN
cblr-1712	448	6	judgment	judgment	NOUN
cblr-1712	448	7	to	to	ADP
cblr-1712	448	8	defendant	defendant	NOUN
cblr-1712	448	9	)	)	PUNCT
cblr-1712	448	10	.	.	PUNCT
cblr-1712	449	1	johnston	johnston	PROPN
cblr-1712	449	2	–	–	PUNCT
cblr-1712	449	3	final	final	ADJ
cblr-1712	449	4	38	38	NUM
cblr-1712	449	5	columbia	columbia	PROPN
cblr-1712	449	6	business	business	NOUN
cblr-1712	449	7	law	law	NOUN
cblr-1712	449	8	review	review	NOUN
cblr-1712	450	1	[	[	X
cblr-1712	450	2	vol	vol	NOUN
cblr-1712	450	3	.	.	NOUN
cblr-1712	450	4	2017	2017	NUM
cblr-1712	450	5	country	country	NOUN
cblr-1712	450	6	under	under	ADP
cblr-1712	450	7	the	the	DET
cblr-1712	450	8	fcra	fcra	NOUN
cblr-1712	450	9	,	,	PUNCT
cblr-1712	450	10	fdcpa	fdcpa	NOUN
cblr-1712	450	11	,	,	PUNCT
cblr-1712	450	12	and	and	CCONJ
cblr-1712	450	13	tcpa	tcpa	NOUN
cblr-1712	450	14	.	.	PUNCT
cblr-1712	451	1	as	as	SCONJ
cblr-1712	451	2	illustrated	illustrate	VERB
cblr-1712	451	3	by	by	ADP
cblr-1712	451	4	figure	figure	NOUN
cblr-1712	451	5	3	3	NUM
cblr-1712	451	6	(	(	PUNCT
cblr-1712	451	7	reproducing	reproduce	VERB
cblr-1712	451	8	graphically	graphically	ADV
cblr-1712	451	9	the	the	DET
cblr-1712	451	10	data	datum	NOUN
cblr-1712	451	11	from	from	ADP
cblr-1712	451	12	table	table	NOUN
cblr-1712	451	13	1	1	NUM
cblr-1712	451	14	above	above	ADP
cblr-1712	451	15	)	)	PUNCT
cblr-1712	451	16	,	,	PUNCT
cblr-1712	451	17	the	the	DET
cblr-1712	451	18	frequency	frequency	NOUN
cblr-1712	451	19	of	of	ADP
cblr-1712	451	20	various	various	ADJ
cblr-1712	451	21	outcomes	outcome	NOUN
cblr-1712	451	22	differs	differ	VERB
cblr-1712	451	23	across	across	ADP
cblr-1712	451	24	case	case	NOUN
cblr-1712	451	25	types	type	NOUN
cblr-1712	451	26	.	.	PUNCT
cblr-1712	452	1	in	in	ADP
cblr-1712	452	2	particular	particular	ADJ
cblr-1712	452	3	,	,	PUNCT
cblr-1712	452	4	the	the	DET
cblr-1712	452	5	distribution	distribution	NOUN
cblr-1712	452	6	of	of	ADP
cblr-1712	452	7	outcomes	outcome	NOUN
cblr-1712	452	8	under	under	ADP
cblr-1712	452	9	the	the	DET
cblr-1712	452	10	fdcpa	fdcpa	NOUN
cblr-1712	452	11	involves	involve	VERB
cblr-1712	452	12	a	a	DET
cblr-1712	452	13	much	much	ADV
cblr-1712	452	14	higher	high	ADJ
cblr-1712	452	15	probability	probability	NOUN
cblr-1712	452	16	of	of	ADP
cblr-1712	452	17	an	an	DET
cblr-1712	452	18	individual	individual	ADJ
cblr-1712	452	19	settlement	settlement	NOUN
cblr-1712	452	20	(	(	PUNCT
cblr-1712	452	21	and	and	CCONJ
cblr-1712	452	22	hence	hence	ADV
cblr-1712	452	23	overall	overall	ADJ
cblr-1712	452	24	settlement	settlement	NOUN
cblr-1712	452	25	rate	rate	NOUN
cblr-1712	452	26	)	)	PUNCT
cblr-1712	452	27	than	than	SCONJ
cblr-1712	452	28	occurs	occur	VERB
cblr-1712	452	29	under	under	ADP
cblr-1712	452	30	both	both	CCONJ
cblr-1712	452	31	the	the	DET
cblr-1712	452	32	tcpa	tcpa	NOUN
cblr-1712	452	33	and	and	CCONJ
cblr-1712	452	34	fcra	fcra	NOUN
cblr-1712	452	35	.	.	PUNCT
cblr-1712	453	1	as	as	ADP
cblr-1712	453	2	a	a	DET
cblr-1712	453	3	statistical	statistical	ADJ
cblr-1712	453	4	matter	matter	NOUN
cblr-1712	453	5	,	,	PUNCT
cblr-1712	453	6	the	the	DET
cblr-1712	453	7	outcome	outcome	NOUN
cblr-1712	453	8	distribution	distribution	NOUN
cblr-1712	453	9	under	under	ADP
cblr-1712	453	10	the	the	DET
cblr-1712	453	11	fdcpa	fdcpa	NOUN
cblr-1712	453	12	is	be	AUX
cblr-1712	453	13	significantly	significantly	ADV
cblr-1712	453	14	different	different	ADJ
cblr-1712	453	15	than	than	ADP
cblr-1712	453	16	the	the	DET
cblr-1712	453	17	outcome	outcome	NOUN
cblr-1712	453	18	distribution	distribution	NOUN
cblr-1712	453	19	under	under	ADP
cblr-1712	453	20	both	both	CCONJ
cblr-1712	453	21	the	the	DET
cblr-1712	453	22	fcra102	fcra102	PROPN
cblr-1712	453	23	and	and	CCONJ
cblr-1712	453	24	the	the	DET
cblr-1712	453	25	tcpa.103	tcpa.103	NUM
cblr-1712	453	26	the	the	DET
cblr-1712	453	27	qualitative	qualitative	ADJ
cblr-1712	453	28	discussion	discussion	NOUN
cblr-1712	453	29	of	of	ADP
cblr-1712	453	30	outcomes	outcome	NOUN
cblr-1712	453	31	under	under	ADP
cblr-1712	453	32	the	the	DET
cblr-1712	453	33	various	various	ADJ
cblr-1712	453	34	statutes	statute	NOUN
cblr-1712	453	35	that	that	PRON
cblr-1712	453	36	follows	follow	VERB
cblr-1712	453	37	below	below	ADP
cblr-1712	453	38	sets	set	VERB
cblr-1712	453	39	out	out	ADP
cblr-1712	453	40	some	some	DET
cblr-1712	453	41	potential	potential	ADJ
cblr-1712	453	42	explanations	explanation	NOUN
cblr-1712	453	43	for	for	ADP
cblr-1712	453	44	the	the	DET
cblr-1712	453	45	distinctiveness	distinctiveness	NOUN
cblr-1712	453	46	of	of	ADP
cblr-1712	453	47	fdcpa	fdcpa	PROPN
cblr-1712	453	48	outcomes	outcome	NOUN
cblr-1712	453	49	.	.	PUNCT
cblr-1712	454	1	figure	figure	VERB
cblr-1712	454	2	3	3	NUM
cblr-1712	454	3	.	.	PUNCT
cblr-1712	454	4	outcome	outcome	NOUN
cblr-1712	454	5	probability	probability	NOUN
cblr-1712	454	6	,	,	PUNCT
cblr-1712	454	7	by	by	ADP
cblr-1712	454	8	statutory	statutory	ADJ
cblr-1712	454	9	case	case	NOUN
cblr-1712	454	10	type	type	NOUN
cblr-1712	454	11	102	102	NUM
cblr-1712	454	12	with	with	ADP
cblr-1712	454	13	the	the	DET
cblr-1712	454	14	fdcpa	fdcpa	NOUN
cblr-1712	454	15	distribution	distribution	NOUN
cblr-1712	454	16	taken	take	VERB
cblr-1712	454	17	as	as	ADP
cblr-1712	454	18	the	the	DET
cblr-1712	454	19	null	null	NOUN
cblr-1712	454	20	,	,	PUNCT
cblr-1712	454	21	f(4,n	f(4,n	NUM
cblr-1712	454	22	)	)	PUNCT
cblr-1712	454	23	=	=	SYM
cblr-1712	454	24	15	15	NUM
cblr-1712	454	25	,	,	PUNCT
cblr-1712	454	26	allowing	allow	VERB
cblr-1712	454	27	one	one	NOUN
cblr-1712	454	28	to	to	PART
cblr-1712	454	29	reject	reject	VERB
cblr-1712	454	30	the	the	DET
cblr-1712	454	31	hypothesis	hypothesis	NOUN
cblr-1712	454	32	of	of	ADP
cblr-1712	454	33	identical	identical	ADJ
cblr-1712	454	34	distributions	distribution	NOUN
cblr-1712	454	35	with	with	ADP
cblr-1712	454	36	p	p	X
cblr-1712	454	37	<	<	X
cblr-1712	454	38	.01	.01	NUM
cblr-1712	454	39	.	.	PROPN
cblr-1712	454	40	103	103	NUM
cblr-1712	454	41	again	again	ADV
cblr-1712	454	42	with	with	ADP
cblr-1712	454	43	the	the	DET
cblr-1712	454	44	fdcpa	fdcpa	NOUN
cblr-1712	454	45	distribution	distribution	NOUN
cblr-1712	454	46	taken	take	VERB
cblr-1712	454	47	as	as	ADP
cblr-1712	454	48	the	the	DET
cblr-1712	454	49	null	null	NOUN
cblr-1712	454	50	,	,	PUNCT
cblr-1712	454	51	f(4,n	f(4,n	NUM
cblr-1712	454	52	)	)	PUNCT
cblr-1712	454	53	=	=	SYM
cblr-1712	454	54	121	121	NUM
cblr-1712	454	55	,	,	PUNCT
cblr-1712	454	56	which	which	PRON
cblr-1712	454	57	allows	allow	VERB
cblr-1712	454	58	one	one	PRON
cblr-1712	454	59	to	to	PART
cblr-1712	454	60	reject	reject	VERB
cblr-1712	454	61	the	the	DET
cblr-1712	454	62	hypothesis	hypothesis	NOUN
cblr-1712	454	63	of	of	ADP
cblr-1712	454	64	identical	identical	ADJ
cblr-1712	454	65	distributions	distribution	NOUN
cblr-1712	454	66	with	with	ADP
cblr-1712	454	67	p	p	X
cblr-1712	454	68	<	<	X
cblr-1712	454	69	.001	.001	NUM
cblr-1712	454	70	.	.	PUNCT
cblr-1712	455	1	johnston	johnston	PROPN
cblr-1712	455	2	–	–	PUNCT
cblr-1712	455	3	final	final	ADJ
cblr-1712	455	4	no	no	NOUN
cblr-1712	455	5	.	.	NOUN
cblr-1712	455	6	1:1	1:1	NUM
cblr-1712	455	7	]	]	X
cblr-1712	455	8	high	high	ADJ
cblr-1712	455	9	cost	cost	NOUN
cblr-1712	455	10	,	,	PUNCT
cblr-1712	455	11	little	little	ADJ
cblr-1712	455	12	compensation	compensation	NOUN
cblr-1712	455	13	39	39	NUM
cblr-1712	455	14	the	the	DET
cblr-1712	455	15	fcra	fcra	NOUN
cblr-1712	455	16	has	have	AUX
cblr-1712	455	17	created	create	VERB
cblr-1712	455	18	the	the	DET
cblr-1712	455	19	same	same	ADJ
cblr-1712	455	20	sort	sort	NOUN
cblr-1712	455	21	of	of	ADP
cblr-1712	455	22	problem	problem	NOUN
cblr-1712	455	23	as	as	ADP
cblr-1712	455	24	in	in	ADP
cblr-1712	455	25	the	the	DET
cblr-1712	455	26	old	old	ADJ
cblr-1712	455	27	atm	atm	NOUN
cblr-1712	455	28	notice	notice	NOUN
cblr-1712	455	29	failure	failure	NOUN
cblr-1712	455	30	cases	case	NOUN
cblr-1712	455	31	:	:	PUNCT
cblr-1712	455	32	a	a	DET
cblr-1712	455	33	feeding	feeding	NOUN
cblr-1712	455	34	frenzy	frenzy	NOUN
cblr-1712	455	35	of	of	ADP
cblr-1712	455	36	case	case	NOUN
cblr-1712	455	37	filings	filing	NOUN
cblr-1712	455	38	with	with	ADP
cblr-1712	455	39	easy	easy	ADJ
cblr-1712	455	40	-	-	PUNCT
cblr-1712	455	41	to	to	PART
cblr-1712	455	42	-	-	PUNCT
cblr-1712	455	43	prove	prove	VERB
cblr-1712	455	44	statutory	statutory	ADJ
cblr-1712	455	45	violations	violation	NOUN
cblr-1712	455	46	and	and	CCONJ
cblr-1712	455	47	statutory	statutory	ADJ
cblr-1712	455	48	damage	damage	NOUN
cblr-1712	455	49	rights	right	NOUN
cblr-1712	455	50	available	available	ADJ
cblr-1712	455	51	without	without	ADP
cblr-1712	455	52	even	even	ADV
cblr-1712	455	53	an	an	DET
cblr-1712	455	54	allegation	allegation	NOUN
cblr-1712	455	55	of	of	ADP
cblr-1712	455	56	harm	harm	NOUN
cblr-1712	455	57	.	.	PUNCT
cblr-1712	456	1	1	1	X
cblr-1712	456	2	.	.	X
cblr-1712	457	1	the	the	DET
cblr-1712	457	2	fair	fair	ADJ
cblr-1712	457	3	credit	credit	NOUN
cblr-1712	457	4	reporting	reporting	NOUN
cblr-1712	457	5	act	act	NOUN
cblr-1712	457	6	passed	pass	VERB
cblr-1712	457	7	in	in	ADP
cblr-1712	457	8	1970	1970	NUM
cblr-1712	457	9	,	,	PUNCT
cblr-1712	457	10	in	in	ADP
cblr-1712	457	11	the	the	DET
cblr-1712	457	12	heyday	heyday	NOUN
cblr-1712	457	13	of	of	ADP
cblr-1712	457	14	federal	federal	ADJ
cblr-1712	457	15	consumer	consumer	NOUN
cblr-1712	457	16	protection	protection	NOUN
cblr-1712	457	17	legislation	legislation	NOUN
cblr-1712	457	18	,	,	PUNCT
cblr-1712	457	19	congress	congress	PROPN
cblr-1712	457	20	enacted	enact	VERB
cblr-1712	457	21	the	the	DET
cblr-1712	457	22	fcra104	fcra104	PROPN
cblr-1712	457	23	to	to	PART
cblr-1712	457	24	ensure	ensure	VERB
cblr-1712	457	25	that	that	SCONJ
cblr-1712	457	26	the	the	DET
cblr-1712	457	27	information	information	NOUN
cblr-1712	457	28	held	hold	VERB
cblr-1712	457	29	by	by	ADP
cblr-1712	457	30	consumer	consumer	NOUN
cblr-1712	457	31	reporting	reporting	NOUN
cblr-1712	457	32	agencies	agency	NOUN
cblr-1712	457	33	was	be	AUX
cblr-1712	457	34	accurate	accurate	ADJ
cblr-1712	457	35	,	,	PUNCT
cblr-1712	457	36	kept	keep	VERB
cblr-1712	457	37	private	private	ADJ
cblr-1712	457	38	,	,	PUNCT
cblr-1712	457	39	and	and	CCONJ
cblr-1712	457	40	to	to	PART
cblr-1712	457	41	be	be	AUX
cblr-1712	457	42	used	use	VERB
cblr-1712	457	43	only	only	ADV
cblr-1712	457	44	for	for	ADP
cblr-1712	457	45	certain	certain	ADJ
cblr-1712	457	46	authorized	authorize	VERB
cblr-1712	457	47	purposes	purpose	NOUN
cblr-1712	457	48	.	.	PUNCT
cblr-1712	458	1	the	the	DET
cblr-1712	458	2	fcra	fcra	NOUN
cblr-1712	458	3	imposes	impose	VERB
cblr-1712	458	4	potential	potential	ADJ
cblr-1712	458	5	liability	liability	NOUN
cblr-1712	458	6	on	on	ADP
cblr-1712	458	7	both	both	DET
cblr-1712	458	8	users	user	NOUN
cblr-1712	458	9	and	and	CCONJ
cblr-1712	458	10	providers	provider	NOUN
cblr-1712	458	11	of	of	ADP
cblr-1712	458	12	consumer	consumer	NOUN
cblr-1712	458	13	credit	credit	NOUN
cblr-1712	458	14	reports	report	NOUN
cblr-1712	458	15	.	.	PUNCT
cblr-1712	459	1	under	under	ADP
cblr-1712	459	2	the	the	DET
cblr-1712	459	3	fcra	fcra	NOUN
cblr-1712	459	4	,	,	PUNCT
cblr-1712	459	5	employment	employment	NOUN
cblr-1712	459	6	background	background	NOUN
cblr-1712	459	7	checks	check	NOUN
cblr-1712	459	8	are	be	AUX
cblr-1712	459	9	included	include	VERB
cblr-1712	459	10	within	within	ADP
cblr-1712	459	11	the	the	DET
cblr-1712	459	12	regulated	regulated	ADJ
cblr-1712	459	13	category	category	NOUN
cblr-1712	459	14	of	of	ADP
cblr-1712	459	15	“	"	PUNCT
cblr-1712	459	16	consumer	consumer	NOUN
cblr-1712	459	17	reports	report	NOUN
cblr-1712	459	18	.	.	PUNCT
cblr-1712	459	19	”	"	PUNCT
cblr-1712	460	1	an	an	DET
cblr-1712	460	2	employer	employer	NOUN
cblr-1712	460	3	who	who	PRON
cblr-1712	460	4	uses	use	VERB
cblr-1712	460	5	such	such	DET
cblr-1712	460	6	a	a	DET
cblr-1712	460	7	report	report	NOUN
cblr-1712	460	8	in	in	ADP
cblr-1712	460	9	its	its	PRON
cblr-1712	460	10	hiring	hire	VERB
cblr-1712	460	11	decisions	decision	NOUN
cblr-1712	460	12	is	be	AUX
cblr-1712	460	13	thus	thus	ADV
cblr-1712	460	14	regulated	regulate	VERB
cblr-1712	460	15	under	under	ADP
cblr-1712	460	16	the	the	DET
cblr-1712	460	17	fcra	fcra	NOUN
cblr-1712	460	18	as	as	ADP
cblr-1712	460	19	a	a	DET
cblr-1712	460	20	user	user	NOUN
cblr-1712	460	21	of	of	ADP
cblr-1712	460	22	a	a	DET
cblr-1712	460	23	consumer	consumer	NOUN
cblr-1712	460	24	report	report	NOUN
cblr-1712	460	25	.	.	PUNCT
cblr-1712	461	1	the	the	DET
cblr-1712	461	2	fcra	fcra	NOUN
cblr-1712	461	3	requires	require	VERB
cblr-1712	461	4	that	that	SCONJ
cblr-1712	461	5	an	an	DET
cblr-1712	461	6	employer	employer	NOUN
cblr-1712	461	7	comply	comply	VERB
cblr-1712	461	8	with	with	ADP
cblr-1712	461	9	several	several	ADJ
cblr-1712	461	10	procedural	procedural	ADJ
cblr-1712	461	11	steps	step	NOUN
cblr-1712	461	12	in	in	ADP
cblr-1712	461	13	using	use	VERB
cblr-1712	461	14	an	an	DET
cblr-1712	461	15	employment	employment	NOUN
cblr-1712	461	16	background	background	NOUN
cblr-1712	461	17	check.105	check.105	ADV
cblr-1712	461	18	first	first	ADV
cblr-1712	461	19	,	,	PUNCT
cblr-1712	461	20	the	the	DET
cblr-1712	461	21	employer	employer	NOUN
cblr-1712	461	22	must	must	AUX
cblr-1712	461	23	tell	tell	VERB
cblr-1712	461	24	the	the	DET
cblr-1712	461	25	prospective	prospective	ADJ
cblr-1712	461	26	employee	employee	NOUN
cblr-1712	461	27	that	that	PRON
cblr-1712	461	28	it	it	PRON
cblr-1712	461	29	might	might	AUX
cblr-1712	461	30	use	use	VERB
cblr-1712	461	31	the	the	DET
cblr-1712	461	32	information	information	NOUN
cblr-1712	461	33	in	in	ADP
cblr-1712	461	34	the	the	DET
cblr-1712	461	35	report	report	NOUN
cblr-1712	461	36	in	in	ADP
cblr-1712	461	37	an	an	DET
cblr-1712	461	38	employment	employment	NOUN
cblr-1712	461	39	decision	decision	NOUN
cblr-1712	461	40	,	,	PUNCT
cblr-1712	461	41	and	and	CCONJ
cblr-1712	461	42	it	it	PRON
cblr-1712	461	43	must	must	AUX
cblr-1712	461	44	ask	ask	VERB
cblr-1712	461	45	the	the	DET
cblr-1712	461	46	employee	employee	NOUN
cblr-1712	461	47	for	for	ADP
cblr-1712	461	48	written	write	VERB
cblr-1712	461	49	permission	permission	NOUN
cblr-1712	461	50	before	before	ADP
cblr-1712	461	51	getting	get	VERB
cblr-1712	461	52	the	the	DET
cblr-1712	461	53	report	report	NOUN
cblr-1712	461	54	.	.	PUNCT
cblr-1712	462	1	once	once	SCONJ
cblr-1712	462	2	the	the	DET
cblr-1712	462	3	employer	employer	NOUN
cblr-1712	462	4	gets	get	VERB
cblr-1712	462	5	the	the	DET
cblr-1712	462	6	report	report	NOUN
cblr-1712	462	7	,	,	PUNCT
cblr-1712	462	8	if	if	SCONJ
cblr-1712	462	9	the	the	DET
cblr-1712	462	10	employer	employer	NOUN
cblr-1712	462	11	believes	believe	VERB
cblr-1712	462	12	the	the	DET
cblr-1712	462	13	report	report	NOUN
cblr-1712	462	14	might	might	AUX
cblr-1712	462	15	influence	influence	VERB
cblr-1712	462	16	its	its	PRON
cblr-1712	462	17	decision	decision	NOUN
cblr-1712	462	18	,	,	PUNCT
cblr-1712	462	19	then	then	ADV
cblr-1712	462	20	it	it	PRON
cblr-1712	462	21	must	must	AUX
cblr-1712	462	22	give	give	VERB
cblr-1712	462	23	the	the	DET
cblr-1712	462	24	prospective	prospective	ADJ
cblr-1712	462	25	employee	employee	NOUN
cblr-1712	462	26	a	a	DET
cblr-1712	462	27	copy	copy	NOUN
cblr-1712	462	28	of	of	ADP
cblr-1712	462	29	a	a	DET
cblr-1712	462	30	standard	standard	ADJ
cblr-1712	462	31	“	"	PUNCT
cblr-1712	462	32	summary	summary	NOUN
cblr-1712	462	33	of	of	ADP
cblr-1712	462	34	rights	right	NOUN
cblr-1712	462	35	”	"	PUNCT
cblr-1712	462	36	produced	produce	VERB
cblr-1712	462	37	by	by	ADP
cblr-1712	462	38	the	the	DET
cblr-1712	462	39	federal	federal	PROPN
cblr-1712	462	40	trade	trade	PROPN
cblr-1712	462	41	commission	commission	PROPN
cblr-1712	462	42	.	.	PUNCT
cblr-1712	463	1	if	if	SCONJ
cblr-1712	463	2	the	the	DET
cblr-1712	463	3	employer	employer	NOUN
cblr-1712	463	4	bases	base	VERB
cblr-1712	463	5	a	a	DET
cblr-1712	463	6	decision	decision	NOUN
cblr-1712	463	7	on	on	ADP
cblr-1712	463	8	data	datum	NOUN
cblr-1712	463	9	contained	contain	VERB
cblr-1712	463	10	in	in	ADP
cblr-1712	463	11	the	the	DET
cblr-1712	463	12	report	report	NOUN
cblr-1712	463	13	,	,	PUNCT
cblr-1712	463	14	such	such	ADJ
cblr-1712	463	15	as	as	ADP
cblr-1712	463	16	criminal	criminal	ADJ
cblr-1712	463	17	or	or	CCONJ
cblr-1712	463	18	credit	credit	NOUN
cblr-1712	463	19	history	history	NOUN
cblr-1712	463	20	,	,	PUNCT
cblr-1712	463	21	then	then	ADV
cblr-1712	463	22	it	it	PRON
cblr-1712	463	23	must	must	AUX
cblr-1712	463	24	give	give	VERB
cblr-1712	463	25	the	the	DET
cblr-1712	463	26	prospective	prospective	ADJ
cblr-1712	463	27	employee	employee	NOUN
cblr-1712	463	28	contact	contact	NOUN
cblr-1712	463	29	information	information	NOUN
cblr-1712	463	30	for	for	ADP
cblr-1712	463	31	the	the	DET
cblr-1712	463	32	report	report	NOUN
cblr-1712	463	33	provider	provider	NOUN
cblr-1712	463	34	and	and	CCONJ
cblr-1712	463	35	an	an	DET
cblr-1712	463	36	explanation	explanation	NOUN
cblr-1712	463	37	that	that	SCONJ
cblr-1712	463	38	the	the	DET
cblr-1712	463	39	report	report	NOUN
cblr-1712	463	40	provider	provider	NOUN
cblr-1712	463	41	did	do	AUX
cblr-1712	463	42	not	not	PART
cblr-1712	463	43	make	make	VERB
cblr-1712	463	44	the	the	DET
cblr-1712	463	45	actual	actual	ADJ
cblr-1712	463	46	employment	employment	NOUN
cblr-1712	463	47	decision	decision	NOUN
cblr-1712	463	48	.	.	PUNCT
cblr-1712	464	1	the	the	DET
cblr-1712	464	2	explanation	explanation	NOUN
cblr-1712	464	3	must	must	AUX
cblr-1712	464	4	also	also	ADV
cblr-1712	464	5	state	state	VERB
cblr-1712	464	6	that	that	SCONJ
cblr-1712	464	7	the	the	DET
cblr-1712	464	8	report	report	NOUN
cblr-1712	464	9	provider	provider	NOUN
cblr-1712	464	10	will	will	AUX
cblr-1712	464	11	not	not	PART
cblr-1712	464	12	be	be	AUX
cblr-1712	464	13	able	able	ADJ
cblr-1712	464	14	to	to	PART
cblr-1712	464	15	explain	explain	VERB
cblr-1712	464	16	the	the	DET
cblr-1712	464	17	decision	decision	NOUN
cblr-1712	464	18	and	and	CCONJ
cblr-1712	464	19	that	that	SCONJ
cblr-1712	464	20	the	the	DET
cblr-1712	464	21	104	104	NUM
cblr-1712	464	22	15	15	NUM
cblr-1712	464	23	u.s.c	u.s.c	NOUN
cblr-1712	464	24	.	.	PUNCT
cblr-1712	465	1	§	§	PROPN
cblr-1712	465	2	1681	1681	NUM
cblr-1712	465	3	(	(	PUNCT
cblr-1712	465	4	2012	2012	NUM
cblr-1712	465	5	)	)	PUNCT
cblr-1712	465	6	.	.	PUNCT
cblr-1712	466	1	105	105	NUM
cblr-1712	466	2	see	see	VERB
cblr-1712	466	3	consumer	consumer	NOUN
cblr-1712	466	4	information	information	NOUN
cblr-1712	466	5	:	:	PUNCT
cblr-1712	466	6	background	background	NOUN
cblr-1712	466	7	checks	check	NOUN
cblr-1712	466	8	,	,	PUNCT
cblr-1712	466	9	ftc	ftc	PROPN
cblr-1712	466	10	(	(	PUNCT
cblr-1712	466	11	nov	nov	PROPN
cblr-1712	466	12	.	.	PROPN
cblr-1712	466	13	2016	2016	NUM
cblr-1712	466	14	)	)	PUNCT
cblr-1712	466	15	,	,	PUNCT
cblr-1712	466	16	https://www.consumer.ftc.gov/articles/0157-background-checks	https://www.consumer.ftc.gov/articles/0157-background-check	NOUN
cblr-1712	467	1	[	[	X
cblr-1712	467	2	https://perma.cc/vw9h-3a76	https://perma.cc/vw9h-3a76	X
cblr-1712	467	3	]	]	PUNCT
cblr-1712	467	4	.	.	PUNCT
cblr-1712	468	1	johnston	johnston	PROPN
cblr-1712	468	2	–	–	PUNCT
cblr-1712	468	3	final	final	ADJ
cblr-1712	468	4	40	40	NUM
cblr-1712	468	5	columbia	columbia	PROPN
cblr-1712	468	6	business	business	NOUN
cblr-1712	468	7	law	law	NOUN
cblr-1712	468	8	review	review	NOUN
cblr-1712	468	9	[	[	X
cblr-1712	468	10	vol	vol	NOUN
cblr-1712	468	11	.	.	NOUN
cblr-1712	468	12	2017	2017	NUM
cblr-1712	468	13	prospective	prospective	ADJ
cblr-1712	468	14	employee	employee	NOUN
cblr-1712	468	15	has	have	VERB
cblr-1712	468	16	an	an	DET
cblr-1712	468	17	opportunity	opportunity	NOUN
cblr-1712	468	18	to	to	PART
cblr-1712	468	19	dispute	dispute	VERB
cblr-1712	468	20	the	the	DET
cblr-1712	468	21	information	information	NOUN
cblr-1712	468	22	in	in	ADP
cblr-1712	468	23	the	the	DET
cblr-1712	468	24	report	report	NOUN
cblr-1712	468	25	before	before	SCONJ
cblr-1712	468	26	the	the	DET
cblr-1712	468	27	employer	employer	NOUN
cblr-1712	468	28	takes	take	VERB
cblr-1712	468	29	action	action	NOUN
cblr-1712	468	30	based	base	VERB
cblr-1712	468	31	on	on	ADP
cblr-1712	468	32	it.106	it.106	NOUN
cblr-1712	468	33	if	if	SCONJ
cblr-1712	468	34	the	the	DET
cblr-1712	468	35	employer	employer	NOUN
cblr-1712	468	36	takes	take	VERB
cblr-1712	468	37	an	an	DET
cblr-1712	468	38	adverse	adverse	ADJ
cblr-1712	468	39	action	action	NOUN
cblr-1712	468	40	based	base	VERB
cblr-1712	468	41	on	on	ADP
cblr-1712	468	42	the	the	DET
cblr-1712	468	43	background	background	NOUN
cblr-1712	468	44	report	report	NOUN
cblr-1712	468	45	,	,	PUNCT
cblr-1712	468	46	then	then	ADV
cblr-1712	468	47	it	it	PRON
cblr-1712	468	48	must	must	AUX
cblr-1712	468	49	notify	notify	VERB
cblr-1712	468	50	the	the	DET
cblr-1712	468	51	applicant	applicant	NOUN
cblr-1712	468	52	within	within	ADP
cblr-1712	468	53	a	a	DET
cblr-1712	468	54	reasonable	reasonable	ADJ
cblr-1712	468	55	time.107	time.107	NOUN
cblr-1712	468	56	in	in	ADP
cblr-1712	468	57	2003	2003	NUM
cblr-1712	468	58	,	,	PUNCT
cblr-1712	468	59	facra	facra	PROPN
cblr-1712	468	60	was	be	AUX
cblr-1712	468	61	amended	amend	VERB
cblr-1712	468	62	by	by	ADP
cblr-1712	468	63	the	the	DET
cblr-1712	468	64	passage	passage	NOUN
cblr-1712	468	65	of	of	ADP
cblr-1712	468	66	the	the	DET
cblr-1712	468	67	fair	fair	ADJ
cblr-1712	468	68	and	and	CCONJ
cblr-1712	468	69	accurate	accurate	ADJ
cblr-1712	468	70	credit	credit	NOUN
cblr-1712	468	71	transactions	transaction	NOUN
cblr-1712	468	72	act	act	NOUN
cblr-1712	468	73	(	(	PUNCT
cblr-1712	468	74	“	"	PUNCT
cblr-1712	468	75	facta”).108	facta”).108	PROPN
cblr-1712	468	76	intended	intend	VERB
cblr-1712	468	77	to	to	PART
cblr-1712	468	78	better	well	ADV
cblr-1712	468	79	ensure	ensure	VERB
cblr-1712	468	80	consumer	consumer	NOUN
cblr-1712	468	81	privacy	privacy	NOUN
cblr-1712	468	82	and	and	CCONJ
cblr-1712	468	83	standardized	standardized	ADJ
cblr-1712	468	84	reporting	reporting	NOUN
cblr-1712	468	85	,	,	PUNCT
cblr-1712	468	86	facta	facta	PROPN
cblr-1712	468	87	did	do	VERB
cblr-1712	468	88	two	two	NUM
cblr-1712	468	89	things	thing	NOUN
cblr-1712	468	90	of	of	ADP
cblr-1712	468	91	relevance	relevance	NOUN
cblr-1712	468	92	to	to	ADP
cblr-1712	468	93	the	the	DET
cblr-1712	468	94	class	class	NOUN
cblr-1712	468	95	-	-	PUNCT
cblr-1712	468	96	action	action	NOUN
cblr-1712	468	97	filings	filing	NOUN
cblr-1712	468	98	in	in	ADP
cblr-1712	468	99	the	the	DET
cblr-1712	468	100	illinois	illinois	PROPN
cblr-1712	468	101	data	data	PROPN
cblr-1712	468	102	.	.	PUNCT
cblr-1712	469	1	first	first	ADV
cblr-1712	469	2	,	,	PUNCT
cblr-1712	469	3	it	it	PRON
cblr-1712	469	4	added	add	VERB
cblr-1712	469	5	a	a	DET
cblr-1712	469	6	liability	liability	NOUN
cblr-1712	469	7	provision	provision	NOUN
cblr-1712	469	8	.	.	PUNCT
cblr-1712	470	1	if	if	SCONJ
cblr-1712	470	2	a	a	DET
cblr-1712	470	3	consumer	consumer	NOUN
cblr-1712	470	4	can	can	AUX
cblr-1712	470	5	establish	establish	VERB
cblr-1712	470	6	a	a	DET
cblr-1712	470	7	“	"	PUNCT
cblr-1712	470	8	willful	willful	ADJ
cblr-1712	470	9	”	"	PUNCT
cblr-1712	470	10	fcra	fcra	NOUN
cblr-1712	470	11	violation	violation	NOUN
cblr-1712	470	12	,	,	PUNCT
cblr-1712	470	13	he	he	PRON
cblr-1712	470	14	or	or	CCONJ
cblr-1712	470	15	she	she	PRON
cblr-1712	470	16	may	may	AUX
cblr-1712	470	17	recover	recover	VERB
cblr-1712	470	18	attorneys	attorney	NOUN
cblr-1712	470	19	’	'	PUNCT
cblr-1712	470	20	fees	fee	NOUN
cblr-1712	470	21	,	,	PUNCT
cblr-1712	470	22	costs	cost	NOUN
cblr-1712	470	23	,	,	PUNCT
cblr-1712	470	24	punitive	punitive	ADJ
cblr-1712	470	25	damages	damage	NOUN
cblr-1712	470	26	,	,	PUNCT
cblr-1712	470	27	and	and	CCONJ
cblr-1712	470	28	statutory	statutory	ADJ
cblr-1712	470	29	damages	damage	NOUN
cblr-1712	470	30	between	between	ADP
cblr-1712	470	31	$	$	SYM
cblr-1712	470	32	100	100	NUM
cblr-1712	470	33	and	and	CCONJ
cblr-1712	470	34	$	$	SYM
cblr-1712	470	35	1000	1000	NUM
cblr-1712	470	36	without	without	ADP
cblr-1712	470	37	the	the	DET
cblr-1712	470	38	need	need	NOUN
cblr-1712	470	39	to	to	PART
cblr-1712	470	40	prove	prove	VERB
cblr-1712	470	41	actual	actual	ADJ
cblr-1712	470	42	injury	injury	NOUN
cblr-1712	470	43	.	.	PUNCT
cblr-1712	471	1	a	a	DET
cblr-1712	471	2	consumer	consumer	NOUN
cblr-1712	471	3	may	may	AUX
cblr-1712	471	4	also	also	ADV
cblr-1712	471	5	recover	recover	VERB
cblr-1712	471	6	damages	damage	NOUN
cblr-1712	471	7	and	and	CCONJ
cblr-1712	471	8	attorneys	attorney	NOUN
cblr-1712	471	9	’	’	PART
cblr-1712	471	10	fees	fee	NOUN
cblr-1712	471	11	and	and	CCONJ
cblr-1712	471	12	costs	cost	NOUN
cblr-1712	471	13	for	for	ADP
cblr-1712	471	14	bad	bad	ADJ
cblr-1712	471	15	faith	faith	NOUN
cblr-1712	471	16	conduct.109	conduct.109	VERB
cblr-1712	471	17	second	second	ADV
cblr-1712	471	18	,	,	PUNCT
cblr-1712	471	19	facta	facta	ADJ
cblr-1712	471	20	regulated	regulate	VERB
cblr-1712	471	21	credit	credit	NOUN
cblr-1712	471	22	card	card	NOUN
cblr-1712	471	23	receipts	receipt	NOUN
cblr-1712	471	24	issued	issue	VERB
cblr-1712	471	25	by	by	ADP
cblr-1712	471	26	retail	retail	ADJ
cblr-1712	471	27	merchants	merchant	NOUN
cblr-1712	471	28	,	,	PUNCT
cblr-1712	471	29	providing	provide	VERB
cblr-1712	471	30	that	that	SCONJ
cblr-1712	471	31	“	"	PUNCT
cblr-1712	471	32	no	no	DET
cblr-1712	471	33	person	person	NOUN
cblr-1712	471	34	that	that	PRON
cblr-1712	471	35	accepts	accept	VERB
cblr-1712	471	36	credit	credit	NOUN
cblr-1712	471	37	cards	card	NOUN
cblr-1712	471	38	or	or	CCONJ
cblr-1712	471	39	debit	debit	VERB
cblr-1712	471	40	cards	card	NOUN
cblr-1712	471	41	for	for	ADP
cblr-1712	471	42	the	the	DET
cblr-1712	471	43	transaction	transaction	NOUN
cblr-1712	471	44	of	of	ADP
cblr-1712	471	45	business	business	NOUN
cblr-1712	471	46	shall	shall	AUX
cblr-1712	471	47	print	print	VERB
cblr-1712	471	48	more	more	ADJ
cblr-1712	471	49	than	than	ADP
cblr-1712	471	50	the	the	DET
cblr-1712	471	51	last	last	ADJ
cblr-1712	471	52	5	5	NUM
cblr-1712	471	53	digits	digit	NOUN
cblr-1712	471	54	of	of	ADP
cblr-1712	471	55	the	the	DET
cblr-1712	471	56	card	card	NOUN
cblr-1712	471	57	number	number	NOUN
cblr-1712	471	58	or	or	CCONJ
cblr-1712	471	59	the	the	DET
cblr-1712	471	60	expiration	expiration	NOUN
cblr-1712	471	61	date	date	NOUN
cblr-1712	471	62	upon	upon	SCONJ
cblr-1712	471	63	any	any	DET
cblr-1712	471	64	receipt	receipt	NOUN
cblr-1712	471	65	provided	provide	VERB
cblr-1712	471	66	to	to	ADP
cblr-1712	471	67	the	the	DET
cblr-1712	471	68	cardholder	cardholder	NOUN
cblr-1712	471	69	at	at	ADP
cblr-1712	471	70	the	the	DET
cblr-1712	471	71	point	point	NOUN
cblr-1712	471	72	of	of	ADP
cblr-1712	471	73	the	the	DET
cblr-1712	471	74	sale	sale	NOUN
cblr-1712	471	75	or	or	CCONJ
cblr-1712	471	76	transaction	transaction	NOUN
cblr-1712	471	77	.	.	PUNCT
cblr-1712	472	1	”110	”110	ADJ
cblr-1712	473	1	much	much	ADV
cblr-1712	473	2	early	early	ADJ
cblr-1712	473	3	litigation	litigation	NOUN
cblr-1712	473	4	under	under	ADP
cblr-1712	473	5	facta	facta	NOUN
cblr-1712	473	6	involved	involve	VERB
cblr-1712	473	7	the	the	DET
cblr-1712	473	8	question	question	NOUN
cblr-1712	473	9	of	of	ADP
cblr-1712	473	10	whether	whether	SCONJ
cblr-1712	473	11	defendants	defendant	NOUN
cblr-1712	473	12	who	who	PRON
cblr-1712	473	13	claimed	claim	VERB
cblr-1712	473	14	to	to	PART
cblr-1712	473	15	be	be	AUX
cblr-1712	473	16	unaware	unaware	ADJ
cblr-1712	473	17	of	of	ADP
cblr-1712	473	18	the	the	DET
cblr-1712	473	19	statutory	statutory	ADJ
cblr-1712	473	20	requirement	requirement	NOUN
cblr-1712	473	21	to	to	PART
cblr-1712	473	22	remove	remove	VERB
cblr-1712	473	23	expiration	expiration	NOUN
cblr-1712	473	24	dates	date	NOUN
cblr-1712	473	25	from	from	ADP
cblr-1712	473	26	receipts	receipt	NOUN
cblr-1712	473	27	could	could	AUX
cblr-1712	473	28	nonetheless	nonetheless	ADV
cblr-1712	473	29	be	be	AUX
cblr-1712	473	30	held	hold	VERB
cblr-1712	473	31	liable	liable	ADJ
cblr-1712	473	32	for	for	ADP
cblr-1712	473	33	a	a	DET
cblr-1712	473	34	“	"	PUNCT
cblr-1712	473	35	willful	willful	ADJ
cblr-1712	473	36	”	"	PUNCT
cblr-1712	473	37	facta	facta	NOUN
cblr-1712	473	38	violation	violation	NOUN
cblr-1712	473	39	.	.	PUNCT
cblr-1712	474	1	federal	federal	ADJ
cblr-1712	474	2	courts	court	NOUN
cblr-1712	474	3	established	establish	VERB
cblr-1712	474	4	various	various	ADJ
cblr-1712	474	5	standards	standard	NOUN
cblr-1712	474	6	for	for	ADP
cblr-1712	474	7	facta	facta	NOUN
cblr-1712	474	8	willfulness	willfulness	NOUN
cblr-1712	474	9	.	.	PUNCT
cblr-1712	475	1	amid	amid	ADP
cblr-1712	475	2	inconsistency	inconsistency	NOUN
cblr-1712	475	3	among	among	ADP
cblr-1712	475	4	circuits	circuit	NOUN
cblr-1712	475	5	,	,	PUNCT
cblr-1712	475	6	in	in	ADP
cblr-1712	475	7	the	the	DET
cblr-1712	475	8	2007	2007	NUM
cblr-1712	475	9	safeco	safeco	PROPN
cblr-1712	475	10	decision	decision	NOUN
cblr-1712	475	11	,	,	PUNCT
cblr-1712	475	12	the	the	DET
cblr-1712	475	13	supreme	supreme	PROPN
cblr-1712	475	14	court	court	PROPN
cblr-1712	475	15	partially	partially	ADV
cblr-1712	475	16	clarified	clarify	VERB
cblr-1712	475	17	the	the	DET
cblr-1712	475	18	issue	issue	NOUN
cblr-1712	475	19	when	when	SCONJ
cblr-1712	475	20	it	it	PRON
cblr-1712	475	21	stated	state	VERB
cblr-1712	475	22	that	that	SCONJ
cblr-1712	475	23	under	under	ADP
cblr-1712	475	24	the	the	DET
cblr-1712	475	25	fcra	fcra	NOUN
cblr-1712	475	26	(	(	PUNCT
cblr-1712	475	27	and	and	CCONJ
cblr-1712	475	28	therefore	therefore	ADV
cblr-1712	475	29	facta	facta	X
cblr-1712	475	30	)	)	PUNCT
cblr-1712	475	31	,	,	PUNCT
cblr-1712	475	32	willfulness	willfulness	NOUN
cblr-1712	475	33	meant	mean	VERB
cblr-1712	475	34	an	an	DET
cblr-1712	475	35	objective	objective	NOUN
cblr-1712	475	36	106	106	NUM
cblr-1712	476	1	i	i	PRON
cblr-1712	476	2	d.	d.	PROPN
cblr-1712	476	3	107	107	NUM
cblr-1712	477	1	i	i	PRON
cblr-1712	477	2	d.	d.	PROPN
cblr-1712	477	3	108	108	NUM
cblr-1712	477	4	fair	fair	ADJ
cblr-1712	477	5	and	and	CCONJ
cblr-1712	477	6	accurate	accurate	ADJ
cblr-1712	477	7	credit	credit	NOUN
cblr-1712	477	8	transactions	transaction	NOUN
cblr-1712	477	9	act	act	NOUN
cblr-1712	477	10	of	of	ADP
cblr-1712	477	11	2003	2003	NUM
cblr-1712	477	12	,	,	PUNCT
cblr-1712	477	13	pub	pub	NOUN
cblr-1712	477	14	.	.	PUNCT
cblr-1712	478	1	l.	l.	PROPN
cblr-1712	478	2	no	no	INTJ
cblr-1712	478	3	.	.	PROPN
cblr-1712	479	1	108	108	NUM
cblr-1712	479	2	-	-	SYM
cblr-1712	479	3	159	159	NUM
cblr-1712	479	4	,	,	PUNCT
cblr-1712	479	5	117	117	NUM
cblr-1712	479	6	stat	stat	NOUN
cblr-1712	479	7	.	.	PUNCT
cblr-1712	480	1	1955	1955	NUM
cblr-1712	480	2	.	.	PUNCT
cblr-1712	481	1	109	109	NUM
cblr-1712	481	2	15	15	NUM
cblr-1712	481	3	u.s.c	u.s.c	NOUN
cblr-1712	481	4	.	.	PUNCT
cblr-1712	482	1	§	§	PROPN
cblr-1712	482	2	§	§	PROPN
cblr-1712	482	3	1681n	1681n	NOUN
cblr-1712	482	4	,	,	PUNCT
cblr-1712	482	5	o	o	X
cblr-1712	482	6	(	(	PUNCT
cblr-1712	482	7	2012	2012	NUM
cblr-1712	482	8	)	)	PUNCT
cblr-1712	482	9	.	.	PUNCT
cblr-1712	483	1	110	110	NUM
cblr-1712	483	2	15	15	NUM
cblr-1712	483	3	u.s.c	u.s.c	NOUN
cblr-1712	483	4	.	.	PUNCT
cblr-1712	484	1	§	§	PROPN
cblr-1712	484	2	1681c(g	1681c(g	NUM
cblr-1712	484	3	)	)	PUNCT
cblr-1712	484	4	(	(	PUNCT
cblr-1712	484	5	2012	2012	NUM
cblr-1712	484	6	)	)	PUNCT
cblr-1712	484	7	.	.	PUNCT
cblr-1712	485	1	johnston	johnston	PROPN
cblr-1712	485	2	–	–	PUNCT
cblr-1712	485	3	final	final	ADJ
cblr-1712	485	4	no	no	NOUN
cblr-1712	485	5	.	.	NOUN
cblr-1712	485	6	1:1	1:1	NUM
cblr-1712	485	7	]	]	X
cblr-1712	485	8	high	high	ADJ
cblr-1712	485	9	cost	cost	NOUN
cblr-1712	485	10	,	,	PUNCT
cblr-1712	485	11	little	little	ADJ
cblr-1712	485	12	compensation	compensation	NOUN
cblr-1712	485	13	41	41	NUM
cblr-1712	485	14	“	"	PUNCT
cblr-1712	485	15	reckless	reckless	ADJ
cblr-1712	485	16	disregard	disregard	NOUN
cblr-1712	485	17	”	"	PUNCT
cblr-1712	485	18	standard.111	standard.111	PROPN
cblr-1712	485	19	the	the	DET
cblr-1712	485	20	court	court	NOUN
cblr-1712	485	21	also	also	ADV
cblr-1712	485	22	held	hold	VERB
cblr-1712	485	23	that	that	SCONJ
cblr-1712	485	24	“	"	PUNCT
cblr-1712	485	25	there	there	PRON
cblr-1712	485	26	is	be	VERB
cblr-1712	485	27	no	no	DET
cblr-1712	485	28	need	need	NOUN
cblr-1712	485	29	to	to	PART
cblr-1712	485	30	pinpoint	pinpoint	VERB
cblr-1712	485	31	the	the	DET
cblr-1712	485	32	negligence	negligence	NOUN
cblr-1712	485	33	/	/	SYM
cblr-1712	485	34	recklessness	recklessness	NOUN
cblr-1712	485	35	line	line	NOUN
cblr-1712	485	36	.	.	PUNCT
cblr-1712	486	1	”112	”112	PUNCT
cblr-1712	486	2	hundreds	hundred	NOUN
cblr-1712	486	3	of	of	ADP
cblr-1712	486	4	facta	facta	NOUN
cblr-1712	486	5	class	class	NOUN
cblr-1712	486	6	actions	action	NOUN
cblr-1712	486	7	were	be	AUX
cblr-1712	486	8	filed	file	VERB
cblr-1712	486	9	after	after	ADP
cblr-1712	486	10	safeco	safeco	PROPN
cblr-1712	486	11	.	.	PUNCT
cblr-1712	487	1	class	class	NOUN
cblr-1712	487	2	counsels	counsel	NOUN
cblr-1712	487	3	argued	argue	VERB
cblr-1712	487	4	that	that	SCONJ
cblr-1712	487	5	the	the	DET
cblr-1712	487	6	discovery	discovery	NOUN
cblr-1712	487	7	cost	cost	NOUN
cblr-1712	487	8	of	of	ADP
cblr-1712	487	9	determining	determine	VERB
cblr-1712	487	10	what	what	PRON
cblr-1712	487	11	a	a	DET
cblr-1712	487	12	business	business	NOUN
cblr-1712	487	13	knew	know	VERB
cblr-1712	487	14	or	or	CCONJ
cblr-1712	487	15	did	do	AUX
cblr-1712	487	16	not	not	PART
cblr-1712	487	17	know	know	VERB
cblr-1712	487	18	about	about	ADP
cblr-1712	487	19	its	its	PRON
cblr-1712	487	20	receipts	receipt	NOUN
cblr-1712	487	21	would	would	AUX
cblr-1712	487	22	only	only	ADV
cblr-1712	487	23	be	be	AUX
cblr-1712	487	24	economically	economically	ADV
cblr-1712	487	25	feasible	feasible	ADJ
cblr-1712	487	26	if	if	SCONJ
cblr-1712	487	27	plaintiffs	plaintiff	NOUN
cblr-1712	487	28	could	could	AUX
cblr-1712	487	29	recover	recover	VERB
cblr-1712	487	30	for	for	ADP
cblr-1712	487	31	the	the	DET
cblr-1712	487	32	entire	entire	ADJ
cblr-1712	487	33	class	class	NOUN
cblr-1712	487	34	.	.	PUNCT
cblr-1712	488	1	businesses	business	NOUN
cblr-1712	488	2	rebutted	rebut	VERB
cblr-1712	488	3	,	,	PUNCT
cblr-1712	488	4	opposing	oppose	VERB
cblr-1712	488	5	class	class	NOUN
cblr-1712	488	6	certification	certification	NOUN
cblr-1712	488	7	on	on	ADP
cblr-1712	488	8	the	the	DET
cblr-1712	488	9	ground	ground	NOUN
cblr-1712	488	10	that	that	SCONJ
cblr-1712	488	11	it	it	PRON
cblr-1712	488	12	risked	risk	VERB
cblr-1712	488	13	imposing	impose	VERB
cblr-1712	488	14	crushing	crush	VERB
cblr-1712	488	15	billion	billion	NUM
cblr-1712	488	16	-	-	PUNCT
cblr-1712	488	17	dollar	dollar	NOUN
cblr-1712	488	18	liability	liability	NOUN
cblr-1712	488	19	for	for	ADP
cblr-1712	488	20	harmless	harmless	ADJ
cblr-1712	488	21	technical	technical	ADJ
cblr-1712	488	22	facta	facta	NOUN
cblr-1712	488	23	violations.113	violations.113	PROPN
cblr-1712	488	24	in	in	ADP
cblr-1712	488	25	2008	2008	NUM
cblr-1712	488	26	,	,	PUNCT
cblr-1712	488	27	congress	congress	PROPN
cblr-1712	488	28	amended	amend	VERB
cblr-1712	488	29	facta	facta	NOUN
cblr-1712	488	30	by	by	ADP
cblr-1712	488	31	passing	pass	VERB
cblr-1712	488	32	the	the	DET
cblr-1712	488	33	credit	credit	NOUN
cblr-1712	488	34	and	and	CCONJ
cblr-1712	488	35	debit	debit	NOUN
cblr-1712	488	36	card	card	NOUN
cblr-1712	488	37	receipt	receipt	NOUN
cblr-1712	488	38	clarification	clarification	NOUN
cblr-1712	488	39	act.114	act.114	VERB
cblr-1712	488	40	according	accord	VERB
cblr-1712	488	41	to	to	ADP
cblr-1712	488	42	congress	congress	PROPN
cblr-1712	488	43	,	,	PUNCT
cblr-1712	488	44	this	this	DET
cblr-1712	488	45	law	law	NOUN
cblr-1712	488	46	was	be	AUX
cblr-1712	488	47	prompted	prompt	VERB
cblr-1712	488	48	by	by	ADP
cblr-1712	488	49	the	the	DET
cblr-1712	488	50	“	"	PUNCT
cblr-1712	488	51	hundreds	hundred	NOUN
cblr-1712	488	52	of	of	ADP
cblr-1712	488	53	lawsuits	lawsuit	NOUN
cblr-1712	488	54	”	"	PUNCT
cblr-1712	488	55	filed	file	VERB
cblr-1712	488	56	against	against	ADP
cblr-1712	488	57	merchants	merchant	NOUN
cblr-1712	488	58	who	who	PRON
cblr-1712	488	59	had	have	AUX
cblr-1712	488	60	mistakenly	mistakenly	ADV
cblr-1712	488	61	believed	believe	VERB
cblr-1712	488	62	that	that	SCONJ
cblr-1712	488	63	facta	facta	NOUN
cblr-1712	488	64	compliance	compliance	NOUN
cblr-1712	488	65	required	require	VERB
cblr-1712	488	66	them	they	PRON
cblr-1712	488	67	only	only	ADV
cblr-1712	488	68	to	to	PART
cblr-1712	488	69	truncate	truncate	VERB
cblr-1712	488	70	credit	credit	NOUN
cblr-1712	488	71	card	card	NOUN
cblr-1712	488	72	numbers	number	NOUN
cblr-1712	488	73	and	and	CCONJ
cblr-1712	488	74	not	not	PART
cblr-1712	488	75	the	the	DET
cblr-1712	488	76	expiration	expiration	NOUN
cblr-1712	488	77	date.115	date.115	PROPN
cblr-1712	488	78	congress	congress	PROPN
cblr-1712	488	79	found	find	VERB
cblr-1712	488	80	specifically	specifically	ADV
cblr-1712	488	81	that	that	SCONJ
cblr-1712	488	82	“	"	PUNCT
cblr-1712	488	83	[	[	X
cblr-1712	488	84	e]xperts	e]xpert	VERB
cblr-1712	488	85	in	in	ADP
cblr-1712	488	86	the	the	DET
cblr-1712	488	87	field	field	NOUN
cblr-1712	488	88	agree	agree	VERB
cblr-1712	488	89	that	that	SCONJ
cblr-1712	488	90	proper	proper	ADJ
cblr-1712	488	91	truncation	truncation	NOUN
cblr-1712	488	92	of	of	ADP
cblr-1712	488	93	the	the	DET
cblr-1712	488	94	card	card	NOUN
cblr-1712	488	95	number	number	NOUN
cblr-1712	488	96	.	.	PUNCT
cblr-1712	488	97	.	.	PUNCT
cblr-1712	488	98	.	.	PUNCT
cblr-1712	489	1	regardless	regardless	ADV
cblr-1712	489	2	of	of	ADP
cblr-1712	489	3	the	the	DET
cblr-1712	489	4	inclusion	inclusion	NOUN
cblr-1712	489	5	of	of	ADP
cblr-1712	489	6	the	the	DET
cblr-1712	489	7	expiration	expiration	NOUN
cblr-1712	489	8	date	date	NOUN
cblr-1712	489	9	,	,	PUNCT
cblr-1712	489	10	prevents	prevent	VERB
cblr-1712	489	11	a	a	DET
cblr-1712	489	12	potential	potential	ADJ
cblr-1712	489	13	fraudster	fraudster	NOUN
cblr-1712	489	14	from	from	ADP
cblr-1712	489	15	perpetrating	perpetrate	VERB
cblr-1712	489	16	identify	identify	NOUN
cblr-1712	489	17	theft	theft	NOUN
cblr-1712	489	18	or	or	CCONJ
cblr-1712	489	19	credit	credit	NOUN
cblr-1712	489	20	card	card	NOUN
cblr-1712	489	21	fraud	fraud	NOUN
cblr-1712	489	22	.	.	PUNCT
cblr-1712	490	1	”116	”116	PUNCT
cblr-1712	491	1	congress	congress	PROPN
cblr-1712	491	2	retroactively	retroactively	ADV
cblr-1712	491	3	shielded	shield	VERB
cblr-1712	491	4	merchants	merchant	NOUN
cblr-1712	491	5	from	from	ADP
cblr-1712	491	6	statutory	statutory	ADJ
cblr-1712	491	7	liability	liability	NOUN
cblr-1712	491	8	damages	damage	NOUN
cblr-1712	491	9	even	even	ADV
cblr-1712	491	10	though	though	SCONJ
cblr-1712	491	11	they	they	PRON
cblr-1712	491	12	had	have	AUX
cblr-1712	491	13	violated	violate	VERB
cblr-1712	491	14	facta	facta	NOUN
cblr-1712	491	15	by	by	ADP
cblr-1712	491	16	printing	print	VERB
cblr-1712	491	17	an	an	DET
cblr-1712	491	18	expiration	expiration	NOUN
cblr-1712	491	19	date	date	NOUN
cblr-1712	491	20	on	on	ADP
cblr-1712	491	21	a	a	DET
cblr-1712	491	22	receipt	receipt	NOUN
cblr-1712	491	23	(	(	PUNCT
cblr-1712	491	24	between	between	ADP
cblr-1712	491	25	december	december	PROPN
cblr-1712	491	26	4	4	NUM
cblr-1712	491	27	,	,	PUNCT
cblr-1712	491	28	2004	2004	NUM
cblr-1712	491	29	and	and	CCONJ
cblr-1712	491	30	june	june	PROPN
cblr-1712	491	31	3	3	NUM
cblr-1712	491	32	,	,	PUNCT
cblr-1712	491	33	2008	2008	NUM
cblr-1712	491	34	)	)	PUNCT
cblr-1712	491	35	because	because	SCONJ
cblr-1712	491	36	it	it	PRON
cblr-1712	491	37	“	"	PUNCT
cblr-1712	491	38	deemed	deem	VERB
cblr-1712	491	39	these	these	DET
cblr-1712	491	40	lawsuits	lawsuit	NOUN
cblr-1712	491	41	to	to	PART
cblr-1712	491	42	be	be	AUX
cblr-1712	491	43	a	a	DET
cblr-1712	491	44	significant	significant	ADJ
cblr-1712	491	45	burden	burden	NOUN
cblr-1712	491	46	on	on	ADP
cblr-1712	491	47	businesses	business	NOUN
cblr-1712	491	48	,	,	PUNCT
cblr-1712	491	49	without	without	ADP
cblr-1712	491	50	any	any	DET
cblr-1712	491	51	corresponding	corresponding	ADJ
cblr-1712	491	52	consumer	consumer	NOUN
cblr-1712	491	53	benefit	benefit	NOUN
cblr-1712	491	54	.	.	PUNCT
cblr-1712	492	1	”117	”117	VERB
cblr-1712	493	1	despite	despite	SCONJ
cblr-1712	493	2	its	its	PRON
cblr-1712	493	3	111	111	NUM
cblr-1712	493	4	safeco	safeco	PROPN
cblr-1712	493	5	ins	ins	PROPN
cblr-1712	493	6	.	.	PUNCT
cblr-1712	493	7	co.	co.	PROPN
cblr-1712	493	8	of	of	ADP
cblr-1712	493	9	am	am	PROPN
cblr-1712	493	10	.	.	PUNCT
cblr-1712	494	1	v.	v.	ADP
cblr-1712	494	2	burr	burr	PROPN
cblr-1712	494	3	,	,	PUNCT
cblr-1712	494	4	551	551	NUM
cblr-1712	494	5	u.s	u.s	PROPN
cblr-1712	494	6	.	.	PROPN
cblr-1712	494	7	47	47	NUM
cblr-1712	494	8	,	,	PUNCT
cblr-1712	494	9	52	52	NUM
cblr-1712	494	10	(	(	PUNCT
cblr-1712	494	11	2007	2007	NUM
cblr-1712	494	12	)	)	PUNCT
cblr-1712	494	13	.	.	PUNCT
cblr-1712	495	1	112	112	NUM
cblr-1712	496	1	i	i	PRON
cblr-1712	496	2	d.	d.	PROPN
cblr-1712	496	3	at	at	ADP
cblr-1712	496	4	69	69	NUM
cblr-1712	496	5	.	.	PUNCT
cblr-1712	496	6	113	113	NUM
cblr-1712	496	7	see	see	VERB
cblr-1712	496	8	bruce	bruce	PROPN
cblr-1712	496	9	l.	l.	PROPN
cblr-1712	496	10	mcdonald	mcdonald	PROPN
cblr-1712	496	11	,	,	PUNCT
cblr-1712	496	12	wiley	wiley	PROPN
cblr-1712	496	13	rein	rein	PROPN
cblr-1712	496	14	llp	llp	PROPN
cblr-1712	496	15	,	,	PUNCT
cblr-1712	496	16	congress	congress	PROPN
cblr-1712	496	17	restricts	restrict	VERB
cblr-1712	496	18	facta	facta	ADJ
cblr-1712	496	19	statutory	statutory	ADJ
cblr-1712	496	20	damages	damage	NOUN
cblr-1712	496	21	class	class	NOUN
cblr-1712	496	22	actions	action	NOUN
cblr-1712	496	23	,	,	PUNCT
cblr-1712	496	24	lexology	lexology	NOUN
cblr-1712	496	25	(	(	PUNCT
cblr-1712	496	26	july	july	PROPN
cblr-1712	496	27	7	7	NUM
cblr-1712	496	28	,	,	PUNCT
cblr-1712	496	29	2008	2008	NUM
cblr-1712	496	30	)	)	PUNCT
cblr-1712	496	31	,	,	PUNCT
cblr-1712	496	32	http://www.lexology.com/library/detail.aspx?g=464e8ebe-7ca0-4fa5-a3c7677143dfdce4	http://www.lexology.com/library/detail.aspx?g=464e8ebe-7ca0-4fa5-a3c7677143dfdce4	NOUN
cblr-1712	497	1	[	[	X
cblr-1712	497	2	https://perma.cc/v8nn-ccvc	https://perma.cc/v8nn-ccvc	NOUN
cblr-1712	497	3	]	]	PUNCT
cblr-1712	497	4	.	.	PUNCT
cblr-1712	498	1	114	114	NUM
cblr-1712	498	2	act	act	NOUN
cblr-1712	498	3	of	of	ADP
cblr-1712	498	4	june	june	PROPN
cblr-1712	498	5	3	3	NUM
cblr-1712	498	6	,	,	PUNCT
cblr-1712	498	7	2008	2008	NUM
cblr-1712	498	8	,	,	PUNCT
cblr-1712	498	9	pub	pub	NOUN
cblr-1712	498	10	.	.	PUNCT
cblr-1712	499	1	l.	l.	PROPN
cblr-1712	499	2	no	no	INTJ
cblr-1712	499	3	.	.	PUNCT
cblr-1712	500	1	110–241	110–241	NUM
cblr-1712	500	2	,	,	PUNCT
cblr-1712	500	3	122	122	NUM
cblr-1712	500	4	stat	stat	NOUN
cblr-1712	500	5	.	.	PUNCT
cblr-1712	501	1	1565	1565	NUM
cblr-1712	501	2	.	.	PUNCT
cblr-1712	502	1	115	115	NUM
cblr-1712	503	1	i	i	PRON
cblr-1712	503	2	d.	d.	PROPN
cblr-1712	503	3	116	116	NUM
cblr-1712	504	1	i	i	PRON
cblr-1712	504	2	d.	d.	PROPN
cblr-1712	504	3	117	117	NUM
cblr-1712	504	4	long	long	ADV
cblr-1712	504	5	v.	v.	ADP
cblr-1712	504	6	tommy	tommy	PROPN
cblr-1712	504	7	hilfiger	hilfiger	PROPN
cblr-1712	504	8	u.s.a	u.s.a	PROPN
cblr-1712	504	9	.	.	PROPN
cblr-1712	504	10	,	,	PUNCT
cblr-1712	504	11	inc	inc	PROPN
cblr-1712	504	12	.	.	PROPN
cblr-1712	504	13	,	,	PUNCT
cblr-1712	504	14	671	671	NUM
cblr-1712	504	15	f.3d	f.3d	NUM
cblr-1712	504	16	371	371	NUM
cblr-1712	504	17	,	,	PUNCT
cblr-1712	504	18	374	374	NUM
cblr-1712	504	19	(	(	PUNCT
cblr-1712	504	20	3d	3d	NUM
cblr-1712	504	21	cir	cir	NOUN
cblr-1712	504	22	.	.	PROPN
cblr-1712	504	23	2012	2012	NUM
cblr-1712	504	24	)	)	PUNCT
cblr-1712	504	25	(	(	PUNCT
cblr-1712	504	26	citing	cite	VERB
cblr-1712	504	27	act	act	NOUN
cblr-1712	504	28	of	of	ADP
cblr-1712	504	29	june	june	PROPN
cblr-1712	504	30	3	3	NUM
cblr-1712	504	31	,	,	PUNCT
cblr-1712	504	32	2008	2008	NUM
cblr-1712	504	33	,	,	PUNCT
cblr-1712	504	34	pub	pub	NOUN
cblr-1712	504	35	.	.	PUNCT
cblr-1712	505	1	l.	l.	PROPN
cblr-1712	505	2	no	no	INTJ
cblr-1712	505	3	.	.	PUNCT
cblr-1712	506	1	110–241	110–241	NUM
cblr-1712	506	2	,	,	PUNCT
cblr-1712	506	3	§	§	PROPN
cblr-1712	506	4	2(a)(7	2(a)(7	PROPN
cblr-1712	506	5	)	)	PUNCT
cblr-1712	506	6	,	,	PUNCT
cblr-1712	506	7	122	122	NUM
cblr-1712	506	8	stat	stat	NOUN
cblr-1712	506	9	.	.	PUNCT
cblr-1712	507	1	johnston	johnston	PROPN
cblr-1712	507	2	–	–	PUNCT
cblr-1712	507	3	final	final	ADJ
cblr-1712	507	4	42	42	NUM
cblr-1712	507	5	columbia	columbia	PROPN
cblr-1712	507	6	business	business	NOUN
cblr-1712	507	7	law	law	PROPN
cblr-1712	507	8	review	review	NOUN
cblr-1712	508	1	[	[	X
cblr-1712	508	2	vol	vol	NOUN
cblr-1712	508	3	.	.	NOUN
cblr-1712	508	4	2017	2017	NUM
cblr-1712	508	5	finding	find	VERB
cblr-1712	508	6	that	that	PRON
cblr-1712	508	7	printing	print	VERB
cblr-1712	508	8	an	an	DET
cblr-1712	508	9	expiration	expiration	NOUN
cblr-1712	508	10	date	date	NOUN
cblr-1712	508	11	alone	alone	ADV
cblr-1712	508	12	did	do	AUX
cblr-1712	508	13	not	not	PART
cblr-1712	508	14	increase	increase	VERB
cblr-1712	508	15	the	the	DET
cblr-1712	508	16	risk	risk	NOUN
cblr-1712	508	17	of	of	ADP
cblr-1712	508	18	credit	credit	NOUN
cblr-1712	508	19	card	card	NOUN
cblr-1712	508	20	fraud	fraud	NOUN
cblr-1712	508	21	,	,	PUNCT
cblr-1712	508	22	congress	congress	PROPN
cblr-1712	508	23	retained	retain	VERB
cblr-1712	508	24	potential	potential	ADJ
cblr-1712	508	25	facta	facta	ADJ
cblr-1712	508	26	willful	willful	ADJ
cblr-1712	508	27	violation	violation	NOUN
cblr-1712	508	28	liability	liability	NOUN
cblr-1712	508	29	for	for	ADP
cblr-1712	508	30	statutory	statutory	ADJ
cblr-1712	508	31	damages	damage	NOUN
cblr-1712	508	32	for	for	ADP
cblr-1712	508	33	such	such	DET
cblr-1712	508	34	an	an	DET
cblr-1712	508	35	error	error	NOUN
cblr-1712	508	36	on	on	ADP
cblr-1712	508	37	any	any	DET
cblr-1712	508	38	receipt	receipt	NOUN
cblr-1712	508	39	printed	print	VERB
cblr-1712	508	40	after	after	ADP
cblr-1712	508	41	june	june	PROPN
cblr-1712	508	42	3	3	NUM
cblr-1712	508	43	,	,	PUNCT
cblr-1712	508	44	2008.118	2008.118	NUM
cblr-1712	508	45	the	the	DET
cblr-1712	508	46	illinois	illinois	PROPN
cblr-1712	508	47	data	data	PROPN
cblr-1712	508	48	confirms	confirm	VERB
cblr-1712	508	49	that	that	SCONJ
cblr-1712	508	50	there	there	PRON
cblr-1712	508	51	continues	continue	VERB
cblr-1712	508	52	to	to	PART
cblr-1712	508	53	be	be	AUX
cblr-1712	508	54	a	a	DET
cblr-1712	508	55	constant	constant	ADJ
cblr-1712	508	56	stream	stream	NOUN
cblr-1712	508	57	of	of	ADP
cblr-1712	508	58	class	class	NOUN
cblr-1712	508	59	-	-	PUNCT
cblr-1712	508	60	action	action	NOUN
cblr-1712	508	61	filings	filing	NOUN
cblr-1712	508	62	for	for	ADP
cblr-1712	508	63	violations	violation	NOUN
cblr-1712	508	64	of	of	ADP
cblr-1712	508	65	fcra	fcra	NOUN
cblr-1712	508	66	’s	’s	PART
cblr-1712	508	67	employment	employment	NOUN
cblr-1712	508	68	background	background	NOUN
cblr-1712	508	69	check	check	VERB
cblr-1712	508	70	procedural	procedural	ADJ
cblr-1712	508	71	requirements	requirement	NOUN
cblr-1712	508	72	and	and	CCONJ
cblr-1712	508	73	violations	violation	NOUN
cblr-1712	508	74	of	of	ADP
cblr-1712	508	75	facta	facta	NOUN
cblr-1712	508	76	by	by	ADP
cblr-1712	508	77	merchants	merchant	NOUN
cblr-1712	508	78	who	who	PRON
cblr-1712	508	79	printed	print	VERB
cblr-1712	508	80	a	a	DET
cblr-1712	508	81	credit	credit	NOUN
cblr-1712	508	82	card	card	NOUN
cblr-1712	508	83	expiration	expiration	NOUN
cblr-1712	508	84	date	date	NOUN
cblr-1712	508	85	on	on	ADP
cblr-1712	508	86	the	the	DET
cblr-1712	508	87	receipt	receipt	NOUN
cblr-1712	508	88	.	.	PUNCT
cblr-1712	509	1	of	of	ADP
cblr-1712	509	2	the	the	DET
cblr-1712	509	3	fifty	fifty	NUM
cblr-1712	509	4	-	-	PUNCT
cblr-1712	509	5	three	three	NUM
cblr-1712	509	6	fcra	fcra	NOUN
cblr-1712	509	7	class	class	NOUN
cblr-1712	509	8	actions	action	NOUN
cblr-1712	509	9	filed	file	VERB
cblr-1712	509	10	from	from	ADP
cblr-1712	509	11	2010–2012	2010–2012	NUM
cblr-1712	509	12	in	in	ADP
cblr-1712	509	13	the	the	DET
cblr-1712	509	14	northern	northern	ADJ
cblr-1712	509	15	district	district	PROPN
cblr-1712	509	16	of	of	ADP
cblr-1712	509	17	illinois	illinois	PROPN
cblr-1712	509	18	,	,	PUNCT
cblr-1712	509	19	twenty	twenty	NUM
cblr-1712	509	20	-	-	PUNCT
cblr-1712	509	21	seven	seven	NUM
cblr-1712	509	22	(	(	PUNCT
cblr-1712	509	23	51	51	NUM
cblr-1712	509	24	%	%	NOUN
cblr-1712	509	25	)	)	PUNCT
cblr-1712	509	26	alleged	allege	VERB
cblr-1712	509	27	that	that	SCONJ
cblr-1712	509	28	a	a	DET
cblr-1712	509	29	card	card	NOUN
cblr-1712	509	30	expiration	expiration	NOUN
cblr-1712	509	31	date	date	NOUN
cblr-1712	509	32	was	be	AUX
cblr-1712	509	33	illegally	illegally	ADV
cblr-1712	509	34	printed	print	VERB
cblr-1712	509	35	on	on	ADP
cblr-1712	509	36	a	a	DET
cblr-1712	509	37	receipt	receipt	NOUN
cblr-1712	509	38	.	.	PUNCT
cblr-1712	510	1	seventeen	seventeen	NUM
cblr-1712	510	2	(	(	PUNCT
cblr-1712	510	3	32	32	NUM
cblr-1712	510	4	%	%	NOUN
cblr-1712	510	5	)	)	PUNCT
cblr-1712	510	6	alleged	allege	VERB
cblr-1712	510	7	a	a	DET
cblr-1712	510	8	failure	failure	NOUN
cblr-1712	510	9	to	to	PART
cblr-1712	510	10	follow	follow	VERB
cblr-1712	510	11	fcra	fcra	NOUN
cblr-1712	510	12	employment	employment	NOUN
cblr-1712	510	13	background	background	NOUN
cblr-1712	510	14	check	check	NOUN
cblr-1712	510	15	procedures	procedure	NOUN
cblr-1712	510	16	.	.	PUNCT
cblr-1712	511	1	the	the	DET
cblr-1712	511	2	remaining	remain	VERB
cblr-1712	511	3	nine	nine	NUM
cblr-1712	511	4	(	(	PUNCT
cblr-1712	511	5	or	or	CCONJ
cblr-1712	511	6	17	17	NUM
cblr-1712	511	7	%	%	NOUN
cblr-1712	511	8	)	)	PUNCT
cblr-1712	511	9	fcra	fcra	VERB
cblr-1712	511	10	filings	filing	NOUN
cblr-1712	511	11	alleged	allege	VERB
cblr-1712	511	12	an	an	DET
cblr-1712	511	13	actual	actual	ADJ
cblr-1712	511	14	breach	breach	NOUN
cblr-1712	511	15	of	of	ADP
cblr-1712	511	16	privacy	privacy	NOUN
cblr-1712	511	17	through	through	ADP
cblr-1712	511	18	the	the	DET
cblr-1712	511	19	release	release	NOUN
cblr-1712	511	20	of	of	ADP
cblr-1712	511	21	personally	personally	ADV
cblr-1712	511	22	identifying	identify	VERB
cblr-1712	511	23	information	information	NOUN
cblr-1712	511	24	by	by	ADP
cblr-1712	511	25	a	a	DET
cblr-1712	511	26	merchant	merchant	NOUN
cblr-1712	511	27	.	.	PUNCT
cblr-1712	512	1	however	however	ADV
cblr-1712	512	2	,	,	PUNCT
cblr-1712	512	3	only	only	ADV
cblr-1712	512	4	one	one	NUM
cblr-1712	512	5	of	of	ADP
cblr-1712	512	6	the	the	DET
cblr-1712	512	7	nineteen	nineteen	NUM
cblr-1712	512	8	class	class	NOUN
cblr-1712	512	9	-	-	PUNCT
cblr-1712	512	10	action	action	NOUN
cblr-1712	512	11	settlements	settlement	NOUN
cblr-1712	512	12	of	of	ADP
cblr-1712	512	13	fcra	fcra	NOUN
cblr-1712	512	14	cases	case	NOUN
cblr-1712	512	15	involved	involve	VERB
cblr-1712	512	16	the	the	DET
cblr-1712	512	17	release	release	NOUN
cblr-1712	512	18	of	of	ADP
cblr-1712	512	19	personally	personally	ADV
cblr-1712	512	20	identifying	identify	VERB
cblr-1712	512	21	information	information	NOUN
cblr-1712	512	22	.	.	PUNCT
cblr-1712	513	1	eleven	eleven	NUM
cblr-1712	513	2	(	(	PUNCT
cblr-1712	513	3	58	58	NUM
cblr-1712	513	4	%	%	NOUN
cblr-1712	513	5	)	)	PUNCT
cblr-1712	513	6	and	and	CCONJ
cblr-1712	513	7	seven	seven	NUM
cblr-1712	513	8	(	(	PUNCT
cblr-1712	513	9	37	37	NUM
cblr-1712	513	10	%	%	NOUN
cblr-1712	513	11	)	)	PUNCT
cblr-1712	513	12	involved	involve	VERB
cblr-1712	513	13	expiration	expiration	NOUN
cblr-1712	513	14	date	date	NOUN
cblr-1712	513	15	and	and	CCONJ
cblr-1712	513	16	employment	employment	NOUN
cblr-1712	513	17	background	background	NOUN
cblr-1712	513	18	check	check	NOUN
cblr-1712	513	19	cases	case	NOUN
cblr-1712	513	20	,	,	PUNCT
cblr-1712	513	21	respectively	respectively	ADV
cblr-1712	513	22	.	.	PUNCT
cblr-1712	514	1	viewing	view	VERB
cblr-1712	514	2	fcra	fcra	NOUN
cblr-1712	514	3	class	class	NOUN
cblr-1712	514	4	-	-	PUNCT
cblr-1712	514	5	action	action	NOUN
cblr-1712	514	6	settlements	settlement	NOUN
cblr-1712	514	7	in	in	ADP
cblr-1712	514	8	the	the	DET
cblr-1712	514	9	aggregate	aggregate	NOUN
cblr-1712	514	10	,	,	PUNCT
cblr-1712	514	11	$	$	SYM
cblr-1712	514	12	3,816,535	3,816,535	NUM
cblr-1712	514	13	in	in	ADP
cblr-1712	514	14	attorneys	attorney	NOUN
cblr-1712	514	15	’	'	PUNCT
cblr-1712	514	16	fees	fee	NOUN
cblr-1712	514	17	were	be	AUX
cblr-1712	514	18	incurred	incur	VERB
cblr-1712	514	19	to	to	PART
cblr-1712	514	20	generate	generate	VERB
cblr-1712	514	21	$	$	SYM
cblr-1712	514	22	6,056,909	6,056,909	NUM
cblr-1712	514	23	in	in	ADP
cblr-1712	514	24	aggregate	aggregate	ADJ
cblr-1712	514	25	payouts	payout	NOUN
cblr-1712	514	26	to	to	ADP
cblr-1712	514	27	class	class	NOUN
cblr-1712	514	28	members	member	NOUN
cblr-1712	514	29	.	.	PUNCT
cblr-1712	515	1	a	a	DET
cblr-1712	515	2	much	much	ADV
cblr-1712	515	3	smaller	small	ADJ
cblr-1712	515	4	proportion	proportion	NOUN
cblr-1712	515	5	of	of	ADP
cblr-1712	515	6	aggregate	aggregate	ADJ
cblr-1712	515	7	payouts	payout	NOUN
cblr-1712	515	8	was	be	AUX
cblr-1712	515	9	paid	pay	VERB
cblr-1712	515	10	to	to	ADP
cblr-1712	515	11	class	class	NOUN
cblr-1712	515	12	members	member	NOUN
cblr-1712	515	13	here	here	ADV
cblr-1712	515	14	than	than	ADP
cblr-1712	515	15	in	in	ADP
cblr-1712	515	16	the	the	DET
cblr-1712	515	17	atm	atm	NOUN
cblr-1712	515	18	notice	notice	NOUN
cblr-1712	515	19	failure	failure	NOUN
cblr-1712	515	20	class	class	NOUN
cblr-1712	515	21	actions	action	NOUN
cblr-1712	515	22	.	.	PUNCT
cblr-1712	516	1	in	in	ADP
cblr-1712	516	2	addition	addition	NOUN
cblr-1712	516	3	,	,	PUNCT
cblr-1712	516	4	fcra	fcra	NOUN
cblr-1712	516	5	cases	case	NOUN
cblr-1712	516	6	involved	involve	VERB
cblr-1712	516	7	much	much	ADV
cblr-1712	516	8	bigger	big	ADJ
cblr-1712	516	9	settlements	settlement	NOUN
cblr-1712	516	10	,	,	PUNCT
cblr-1712	516	11	with	with	ADP
cblr-1712	516	12	an	an	DET
cblr-1712	516	13	average	average	ADJ
cblr-1712	516	14	settlement	settlement	NOUN
cblr-1712	516	15	class	class	NOUN
cblr-1712	516	16	of	of	ADP
cblr-1712	516	17	45,715	45,715	NUM
cblr-1712	516	18	,	,	PUNCT
cblr-1712	516	19	an	an	DET
cblr-1712	516	20	average	average	ADJ
cblr-1712	516	21	nominal	nominal	ADJ
cblr-1712	516	22	settlement	settlement	NOUN
cblr-1712	516	23	of	of	ADP
cblr-1712	516	24	$	$	SYM
cblr-1712	516	25	775,645	775,645	NUM
cblr-1712	516	26	,	,	PUNCT
cblr-1712	516	27	and	and	CCONJ
cblr-1712	516	28	an	an	DET
cblr-1712	516	29	aggregate	aggregate	ADJ
cblr-1712	516	30	payout	payout	NOUN
cblr-1712	516	31	of	of	ADP
cblr-1712	516	32	$	$	SYM
cblr-1712	516	33	413,052	413,052	NUM
cblr-1712	516	34	.	.	PUNCT
cblr-1712	517	1	thus	thus	ADV
cblr-1712	517	2	,	,	PUNCT
cblr-1712	517	3	in	in	ADP
cblr-1712	517	4	fcra	fcra	NOUN
cblr-1712	517	5	class	class	NOUN
cblr-1712	517	6	-	-	PUNCT
cblr-1712	517	7	action	action	NOUN
cblr-1712	517	8	settlements	settlement	NOUN
cblr-1712	517	9	,	,	PUNCT
cblr-1712	517	10	the	the	DET
cblr-1712	517	11	actual	actual	ADJ
cblr-1712	517	12	aggregate	aggregate	ADJ
cblr-1712	517	13	payout	payout	NOUN
cblr-1712	517	14	to	to	ADP
cblr-1712	517	15	class	class	NOUN
cblr-1712	517	16	members	member	NOUN
cblr-1712	517	17	averaged	average	VERB
cblr-1712	517	18	only	only	ADV
cblr-1712	517	19	37	37	NUM
cblr-1712	517	20	%	%	NOUN
cblr-1712	517	21	of	of	ADP
cblr-1712	517	22	the	the	DET
cblr-1712	517	23	nominal	nominal	ADJ
cblr-1712	517	24	settlement	settlement	NOUN
cblr-1712	517	25	amount	amount	NOUN
cblr-1712	517	26	.	.	PUNCT
cblr-1712	518	1	attorneys	attorney	NOUN
cblr-1712	518	2	’	'	PUNCT
cblr-1712	518	3	fees	fee	NOUN
cblr-1712	518	4	averaged	average	VERB
cblr-1712	518	5	$	$	SYM
cblr-1712	518	6	185,803	185,803	NUM
cblr-1712	518	7	.	.	PUNCT
cblr-1712	519	1	on	on	ADP
cblr-1712	519	2	average	average	ADJ
cblr-1712	519	3	,	,	PUNCT
cblr-1712	519	4	it	it	PRON
cblr-1712	519	5	takes	take	VERB
cblr-1712	519	6	about	about	ADV
cblr-1712	519	7	thirteen	thirteen	NUM
cblr-1712	519	8	months	month	NOUN
cblr-1712	519	9	from	from	ADP
cblr-1712	519	10	1565	1565	NUM
cblr-1712	519	11	,	,	PUNCT
cblr-1712	519	12	1565–66	1565–66	NUM
cblr-1712	519	13	;	;	PUNCT
cblr-1712	519	14	act	act	NOUN
cblr-1712	519	15	of	of	ADP
cblr-1712	519	16	june	june	PROPN
cblr-1712	519	17	3	3	NUM
cblr-1712	519	18	,	,	PUNCT
cblr-1712	519	19	2008	2008	NUM
cblr-1712	519	20	,	,	PUNCT
cblr-1712	519	21	pub	pub	NOUN
cblr-1712	519	22	.	.	PUNCT
cblr-1712	520	1	l.	l.	PROPN
cblr-1712	520	2	no	no	INTJ
cblr-1712	520	3	.	.	PUNCT
cblr-1712	521	1	110–241	110–241	NUM
cblr-1712	521	2	,	,	PUNCT
cblr-1712	521	3	§	§	PROPN
cblr-1712	521	4	3(a	3(a	NUM
cblr-1712	521	5	)	)	PUNCT
cblr-1712	521	6	,	,	PUNCT
cblr-1712	521	7	122	122	NUM
cblr-1712	521	8	stat	stat	NOUN
cblr-1712	521	9	.	.	PUNCT
cblr-1712	522	1	1565	1565	NUM
cblr-1712	522	2	,	,	PUNCT
cblr-1712	522	3	1566	1566	NUM
cblr-1712	522	4	(	(	PUNCT
cblr-1712	522	5	codified	codify	VERB
cblr-1712	522	6	at	at	ADP
cblr-1712	522	7	15	15	NUM
cblr-1712	522	8	u.s.c	u.s.c	ADJ
cblr-1712	522	9	.	.	PUNCT
cblr-1712	523	1	§	§	PROPN
cblr-1712	523	2	1681n(d	1681n(d	NUM
cblr-1712	523	3	)	)	PUNCT
cblr-1712	523	4	)	)	PUNCT
cblr-1712	523	5	)	)	PUNCT
cblr-1712	523	6	.	.	PUNCT
cblr-1712	524	1	118	118	NUM
cblr-1712	524	2	see	see	VERB
cblr-1712	524	3	i	i	PROPN
cblr-1712	524	4	d.	d.	PROPN
cblr-1712	524	5	johnston	johnston	PROPN
cblr-1712	524	6	–	–	PUNCT
cblr-1712	524	7	final	final	ADJ
cblr-1712	524	8	no	no	NOUN
cblr-1712	524	9	.	.	NOUN
cblr-1712	524	10	1:1	1:1	NUM
cblr-1712	524	11	]	]	X
cblr-1712	524	12	high	high	ADJ
cblr-1712	524	13	cost	cost	NOUN
cblr-1712	524	14	,	,	PUNCT
cblr-1712	524	15	little	little	ADJ
cblr-1712	524	16	compensation	compensation	NOUN
cblr-1712	524	17	43	43	NUM
cblr-1712	524	18	the	the	DET
cblr-1712	524	19	case	case	NOUN
cblr-1712	524	20	filing	filing	NOUN
cblr-1712	524	21	date	date	NOUN
cblr-1712	524	22	for	for	SCONJ
cblr-1712	524	23	such	such	ADJ
cblr-1712	524	24	settlements	settlement	NOUN
cblr-1712	524	25	to	to	PART
cblr-1712	524	26	receive	receive	VERB
cblr-1712	524	27	final	final	ADJ
cblr-1712	524	28	judicial	judicial	ADJ
cblr-1712	524	29	approval	approval	NOUN
cblr-1712	524	30	.	.	PUNCT
cblr-1712	525	1	the	the	DET
cblr-1712	525	2	high	high	ADJ
cblr-1712	525	3	frequency	frequency	NOUN
cblr-1712	525	4	of	of	ADP
cblr-1712	525	5	all	all	DET
cblr-1712	525	6	types	type	NOUN
cblr-1712	525	7	of	of	ADP
cblr-1712	525	8	fcra	fcra	NOUN
cblr-1712	525	9	class	class	NOUN
cblr-1712	525	10	actions	action	NOUN
cblr-1712	525	11	and	and	CCONJ
cblr-1712	525	12	the	the	DET
cblr-1712	525	13	rapid	rapid	ADJ
cblr-1712	525	14	finalization	finalization	NOUN
cblr-1712	525	15	of	of	ADP
cblr-1712	525	16	class	class	NOUN
cblr-1712	525	17	settlements	settlement	NOUN
cblr-1712	525	18	in	in	ADP
cblr-1712	525	19	fcra	fcra	NOUN
cblr-1712	525	20	expiration	expiration	NOUN
cblr-1712	525	21	date	date	NOUN
cblr-1712	525	22	and	and	CCONJ
cblr-1712	525	23	employment	employment	NOUN
cblr-1712	525	24	background	background	NOUN
cblr-1712	525	25	check	check	NOUN
cblr-1712	525	26	litigation	litigation	NOUN
cblr-1712	525	27	is	be	AUX
cblr-1712	525	28	indicative	indicative	ADJ
cblr-1712	525	29	of	of	ADP
cblr-1712	525	30	the	the	DET
cblr-1712	525	31	fact	fact	NOUN
cblr-1712	525	32	that	that	SCONJ
cblr-1712	525	33	such	such	ADJ
cblr-1712	525	34	violations	violation	NOUN
cblr-1712	525	35	are	be	AUX
cblr-1712	525	36	easy	easy	ADJ
cblr-1712	525	37	to	to	PART
cblr-1712	525	38	prove.119	prove.119	PROPN
cblr-1712	525	39	plaintiffs	plaintiff	NOUN
cblr-1712	525	40	could	could	AUX
cblr-1712	525	41	easily	easily	ADV
cblr-1712	525	42	prove	prove	VERB
cblr-1712	525	43	the	the	DET
cblr-1712	525	44	fcra	fcra	NOUN
cblr-1712	525	45	violation	violation	NOUN
cblr-1712	525	46	by	by	ADP
cblr-1712	525	47	producing	produce	VERB
cblr-1712	525	48	their	their	PRON
cblr-1712	525	49	credit	credit	NOUN
cblr-1712	525	50	card	card	NOUN
cblr-1712	525	51	receipt	receipt	NOUN
cblr-1712	525	52	(	(	PUNCT
cblr-1712	525	53	in	in	ADP
cblr-1712	525	54	expiration	expiration	NOUN
cblr-1712	525	55	date	date	NOUN
cblr-1712	525	56	cases	case	NOUN
cblr-1712	525	57	)	)	PUNCT
cblr-1712	525	58	or	or	CCONJ
cblr-1712	525	59	by	by	ADP
cblr-1712	525	60	the	the	DET
cblr-1712	525	61	failure	failure	NOUN
cblr-1712	525	62	of	of	ADP
cblr-1712	525	63	the	the	DET
cblr-1712	525	64	employer	employer	NOUN
cblr-1712	525	65	to	to	PART
cblr-1712	525	66	provide	provide	VERB
cblr-1712	525	67	the	the	DET
cblr-1712	525	68	required	require	VERB
cblr-1712	525	69	notices	notice	NOUN
cblr-1712	525	70	and	and	CCONJ
cblr-1712	525	71	reports	report	NOUN
cblr-1712	525	72	to	to	ADP
cblr-1712	525	73	the	the	DET
cblr-1712	525	74	prospective	prospective	ADJ
cblr-1712	525	75	employee	employee	NOUN
cblr-1712	525	76	(	(	PUNCT
cblr-1712	525	77	in	in	ADP
cblr-1712	525	78	the	the	DET
cblr-1712	525	79	employment	employment	NOUN
cblr-1712	525	80	report	report	NOUN
cblr-1712	525	81	cases	case	NOUN
cblr-1712	525	82	)	)	PUNCT
cblr-1712	525	83	.	.	PUNCT
cblr-1712	526	1	in	in	ADP
cblr-1712	526	2	both	both	DET
cblr-1712	526	3	case	case	NOUN
cblr-1712	526	4	types	type	NOUN
cblr-1712	526	5	,	,	PUNCT
cblr-1712	526	6	the	the	DET
cblr-1712	526	7	“	"	PUNCT
cblr-1712	526	8	willfulness	willfulness	NOUN
cblr-1712	526	9	”	"	PUNCT
cblr-1712	526	10	standard	standard	NOUN
cblr-1712	526	11	for	for	ADP
cblr-1712	526	12	the	the	DET
cblr-1712	526	13	award	award	NOUN
cblr-1712	526	14	of	of	ADP
cblr-1712	526	15	the	the	DET
cblr-1712	526	16	statutory	statutory	ADJ
cblr-1712	526	17	,	,	PUNCT
cblr-1712	526	18	non	non	ADJ
cblr-1712	526	19	-	-	ADJ
cblr-1712	526	20	injury	injury	ADJ
cblr-1712	526	21	damages	damage	NOUN
cblr-1712	526	22	of	of	ADP
cblr-1712	526	23	$	$	SYM
cblr-1712	526	24	1000	1000	NUM
cblr-1712	526	25	was	be	AUX
cblr-1712	526	26	easily	easily	ADV
cblr-1712	526	27	met	meet	VERB
cblr-1712	526	28	by	by	ADP
cblr-1712	526	29	class	class	NOUN
cblr-1712	526	30	counsel	counsel	NOUN
cblr-1712	526	31	.	.	PUNCT
cblr-1712	527	1	through	through	ADP
cblr-1712	527	2	countless	countless	ADJ
cblr-1712	527	3	websites	website	NOUN
cblr-1712	527	4	and	and	CCONJ
cblr-1712	527	5	blogs	blog	NOUN
cblr-1712	527	6	,	,	PUNCT
cblr-1712	527	7	attorneys	attorney	NOUN
cblr-1712	527	8	and	and	CCONJ
cblr-1712	527	9	regulators	regulator	NOUN
cblr-1712	527	10	have	have	AUX
cblr-1712	527	11	created	create	VERB
cblr-1712	527	12	sufficient	sufficient	ADJ
cblr-1712	527	13	general	general	ADJ
cblr-1712	527	14	awareness	awareness	NOUN
cblr-1712	527	15	of	of	ADP
cblr-1712	527	16	the	the	DET
cblr-1712	527	17	fcra	fcra	NOUN
cblr-1712	527	18	’s	’s	PART
cblr-1712	527	19	requirements	requirement	NOUN
cblr-1712	527	20	to	to	PART
cblr-1712	527	21	establish	establish	VERB
cblr-1712	527	22	statutory	statutory	ADJ
cblr-1712	527	23	willfulness	willfulness	NOUN
cblr-1712	527	24	.	.	PUNCT
cblr-1712	528	1	for	for	ADP
cblr-1712	528	2	example	example	NOUN
cblr-1712	528	3	,	,	PUNCT
cblr-1712	528	4	by	by	ADP
cblr-1712	528	5	2010	2010	NUM
cblr-1712	528	6	,	,	PUNCT
cblr-1712	528	7	plaintiffs	plaintiff	NOUN
cblr-1712	528	8	in	in	ADP
cblr-1712	528	9	facta	facta	NOUN
cblr-1712	528	10	expiration	expiration	NOUN
cblr-1712	528	11	date	date	NOUN
cblr-1712	528	12	class	class	NOUN
cblr-1712	528	13	actions	action	NOUN
cblr-1712	528	14	routinely	routinely	ADV
cblr-1712	528	15	alleged	allege	VERB
cblr-1712	528	16	that	that	SCONJ
cblr-1712	528	17	the	the	DET
cblr-1712	528	18	willfulness	willfulness	NOUN
cblr-1712	528	19	requirement	requirement	NOUN
cblr-1712	528	20	was	be	AUX
cblr-1712	528	21	met	meet	VERB
cblr-1712	528	22	because	because	SCONJ
cblr-1712	528	23	credit	credit	NOUN
cblr-1712	528	24	card	card	NOUN
cblr-1712	528	25	companies	company	NOUN
cblr-1712	528	26	advised	advise	VERB
cblr-1712	528	27	and	and	CCONJ
cblr-1712	528	28	contractually	contractually	ADV
cblr-1712	528	29	required	require	VERB
cblr-1712	528	30	merchants	merchant	NOUN
cblr-1712	528	31	to	to	PART
cblr-1712	528	32	truncate	truncate	VERB
cblr-1712	528	33	expiration	expiration	NOUN
cblr-1712	528	34	dates	date	NOUN
cblr-1712	528	35	.	.	PUNCT
cblr-1712	529	1	international	international	ADJ
cblr-1712	529	2	consumer	consumer	NOUN
cblr-1712	529	3	protection	protection	NOUN
cblr-1712	529	4	conventions	convention	NOUN
cblr-1712	529	5	also	also	ADV
cblr-1712	529	6	required	require	VERB
cblr-1712	529	7	such	such	ADJ
cblr-1712	529	8	truncation.120	truncation.120	PROPN
cblr-1712	529	9	defendants	defendant	NOUN
cblr-1712	529	10	argued	argue	VERB
cblr-1712	529	11	that	that	SCONJ
cblr-1712	529	12	such	such	ADJ
cblr-1712	529	13	allegations	allegation	NOUN
cblr-1712	529	14	were	be	AUX
cblr-1712	529	15	mere	mere	ADJ
cblr-1712	529	16	boilerplate	boilerplate	ADJ
cblr-1712	529	17	,	,	PUNCT
cblr-1712	529	18	contained	contain	VERB
cblr-1712	529	19	in	in	ADP
cblr-1712	529	20	every	every	DET
cblr-1712	529	21	facta	facta	NOUN
cblr-1712	529	22	expiration	expiration	NOUN
cblr-1712	529	23	date	date	NOUN
cblr-1712	529	24	complaint	complaint	NOUN
cblr-1712	529	25	,	,	PUNCT
cblr-1712	529	26	and	and	CCONJ
cblr-1712	529	27	that	that	SCONJ
cblr-1712	529	28	they	they	PRON
cblr-1712	529	29	did	do	AUX
cblr-1712	529	30	not	not	PART
cblr-1712	529	31	establish	establish	VERB
cblr-1712	529	32	recklessness	recklessness	NOUN
cblr-1712	529	33	as	as	SCONJ
cblr-1712	529	34	required	require	VERB
cblr-1712	529	35	by	by	ADP
cblr-1712	529	36	supreme	supreme	PROPN
cblr-1712	529	37	court	court	PROPN
cblr-1712	529	38	interpretations	interpretation	NOUN
cblr-1712	529	39	of	of	ADP
cblr-1712	529	40	facta.121	facta.121	VERB
cblr-1712	529	41	courts	court	NOUN
cblr-1712	529	42	rarely	rarely	ADV
cblr-1712	529	43	119	119	NUM
cblr-1712	529	44	indeed	indeed	ADV
cblr-1712	529	45	,	,	PUNCT
cblr-1712	529	46	only	only	ADV
cblr-1712	529	47	seven	seven	NUM
cblr-1712	529	48	such	such	ADJ
cblr-1712	529	49	cases	case	NOUN
cblr-1712	529	50	ended	end	VERB
cblr-1712	529	51	in	in	ADP
cblr-1712	529	52	dismissal	dismissal	NOUN
cblr-1712	529	53	and	and	CCONJ
cblr-1712	529	54	only	only	ADV
cblr-1712	529	55	two	two	NUM
cblr-1712	529	56	of	of	ADP
cblr-1712	529	57	these	these	DET
cblr-1712	529	58	dismissals	dismissal	NOUN
cblr-1712	529	59	were	be	AUX
cblr-1712	529	60	with	with	ADP
cblr-1712	529	61	prejudice	prejudice	NOUN
cblr-1712	529	62	;	;	PUNCT
cblr-1712	529	63	at	at	ADP
cblr-1712	529	64	least	least	ADJ
cblr-1712	529	65	one	one	NUM
cblr-1712	529	66	of	of	ADP
cblr-1712	529	67	these	these	DET
cblr-1712	529	68	two	two	NUM
cblr-1712	529	69	may	may	AUX
cblr-1712	529	70	have	have	AUX
cblr-1712	529	71	been	be	AUX
cblr-1712	529	72	an	an	DET
cblr-1712	529	73	individual	individual	ADJ
cblr-1712	529	74	settlement	settlement	NOUN
cblr-1712	529	75	.	.	PUNCT
cblr-1712	530	1	120	120	NUM
cblr-1712	530	2	see	see	VERB
cblr-1712	530	3	,	,	PUNCT
cblr-1712	530	4	e.g.	e.g.	ADV
cblr-1712	530	5	,	,	PUNCT
cblr-1712	530	6	defendants	defendant	NOUN
cblr-1712	530	7	’	'	PUNCT
cblr-1712	530	8	memorandum	memorandum	NOUN
cblr-1712	530	9	in	in	ADP
cblr-1712	530	10	support	support	NOUN
cblr-1712	530	11	of	of	ADP
cblr-1712	530	12	their	their	PRON
cblr-1712	530	13	motion	motion	NOUN
cblr-1712	530	14	to	to	PART
cblr-1712	530	15	dismiss	dismiss	VERB
cblr-1712	530	16	the	the	DET
cblr-1712	530	17	class	class	NOUN
cblr-1712	530	18	action	action	NOUN
cblr-1712	530	19	complaint	complaint	NOUN
cblr-1712	530	20	at	at	ADP
cblr-1712	530	21	11–12	11–12	NUM
cblr-1712	530	22	,	,	PUNCT
cblr-1712	530	23	redman	redman	PROPN
cblr-1712	530	24	v.	v.	PROPN
cblr-1712	530	25	take	take	VERB
cblr-1712	530	26	care	care	NOUN
cblr-1712	530	27	health	health	PROPN
cblr-1712	530	28	sys	sys	PROPN
cblr-1712	530	29	.	.	PROPN
cblr-1712	530	30	,	,	PUNCT
cblr-1712	530	31	llc	llc	PROPN
cblr-1712	530	32	,	,	PUNCT
cblr-1712	530	33	no	no	INTJ
cblr-1712	530	34	.	.	NOUN
cblr-1712	531	1	11	11	NUM
cblr-1712	531	2	-	-	PUNCT
cblr-1712	531	3	cv-09044	cv-09044	PROPN
cblr-1712	531	4	(	(	PUNCT
cblr-1712	531	5	n.d	n.d	PROPN
cblr-1712	531	6	.	.	PROPN
cblr-1712	531	7	ill	ill	PROPN
cblr-1712	531	8	.	.	PUNCT
cblr-1712	531	9	march	march	PROPN
cblr-1712	531	10	19	19	NUM
cblr-1712	531	11	,	,	PUNCT
cblr-1712	531	12	2012	2012	NUM
cblr-1712	531	13	)	)	PUNCT
cblr-1712	531	14	,	,	PUNCT
cblr-1712	531	15	ecf	ecf	PROPN
cblr-1712	531	16	no	no	INTJ
cblr-1712	531	17	.	.	PROPN
cblr-1712	532	1	22	22	NUM
cblr-1712	532	2	.	.	NUM
cblr-1712	533	1	121	121	NUM
cblr-1712	533	2	in	in	ADP
cblr-1712	533	3	safeco	safeco	PROPN
cblr-1712	533	4	ins	ins	PROPN
cblr-1712	533	5	.	.	PUNCT
cblr-1712	533	6	co.	co.	PROPN
cblr-1712	533	7	v.	v.	ADP
cblr-1712	533	8	burr	burr	PROPN
cblr-1712	533	9	,	,	PUNCT
cblr-1712	533	10	551	551	NUM
cblr-1712	533	11	u.s	u.s	PROPN
cblr-1712	533	12	.	.	PROPN
cblr-1712	533	13	47	47	NUM
cblr-1712	533	14	,	,	PUNCT
cblr-1712	533	15	57	57	NUM
cblr-1712	533	16	,	,	PUNCT
cblr-1712	533	17	68–71	68–71	NUM
cblr-1712	533	18	(	(	PUNCT
cblr-1712	533	19	2007	2007	NUM
cblr-1712	533	20	)	)	PUNCT
cblr-1712	533	21	,	,	PUNCT
cblr-1712	533	22	the	the	DET
cblr-1712	533	23	supreme	supreme	PROPN
cblr-1712	533	24	court	court	PROPN
cblr-1712	533	25	held	hold	VERB
cblr-1712	533	26	that	that	SCONJ
cblr-1712	533	27	“	"	PUNCT
cblr-1712	533	28	willfulness	willfulness	NOUN
cblr-1712	533	29	”	"	PUNCT
cblr-1712	533	30	under	under	ADP
cblr-1712	533	31	the	the	DET
cblr-1712	533	32	fcra	fcra	NOUN
cblr-1712	533	33	means	mean	VERB
cblr-1712	533	34	that	that	SCONJ
cblr-1712	533	35	the	the	DET
cblr-1712	533	36	defendant	defendant	NOUN
cblr-1712	533	37	’s	’s	PART
cblr-1712	533	38	conduct	conduct	NOUN
cblr-1712	533	39	was	be	AUX
cblr-1712	533	40	reckless	reckless	ADJ
cblr-1712	533	41	.	.	PUNCT
cblr-1712	534	1	since	since	SCONJ
cblr-1712	534	2	that	that	DET
cblr-1712	534	3	decision	decision	NOUN
cblr-1712	534	4	,	,	PUNCT
cblr-1712	534	5	lower	low	ADJ
cblr-1712	534	6	courts	court	NOUN
cblr-1712	534	7	have	have	AUX
cblr-1712	534	8	routinely	routinely	ADV
cblr-1712	534	9	understood	understand	VERB
cblr-1712	534	10	this	this	PRON
cblr-1712	534	11	as	as	ADP
cblr-1712	534	12	a	a	DET
cblr-1712	534	13	standard	standard	NOUN
cblr-1712	534	14	that	that	PRON
cblr-1712	534	15	asks	ask	VERB
cblr-1712	534	16	whether	whether	SCONJ
cblr-1712	534	17	a	a	DET
cblr-1712	534	18	defendant	defendant	NOUN
cblr-1712	534	19	’s	’s	PART
cblr-1712	534	20	interpretation	interpretation	NOUN
cblr-1712	534	21	of	of	ADP
cblr-1712	534	22	the	the	DET
cblr-1712	534	23	fcra	fcra	NOUN
cblr-1712	534	24	’s	’s	PART
cblr-1712	534	25	requirements	requirement	NOUN
cblr-1712	534	26	was	be	AUX
cblr-1712	534	27	“	"	PUNCT
cblr-1712	534	28	objectively	objectively	ADV
cblr-1712	534	29	reasonable	reasonable	ADJ
cblr-1712	534	30	.	.	PUNCT
cblr-1712	534	31	”	"	PUNCT
cblr-1712	535	1	these	these	DET
cblr-1712	535	2	requirements	requirement	NOUN
cblr-1712	535	3	very	very	ADV
cblr-1712	535	4	often	often	ADV
cblr-1712	535	5	involve	involve	VERB
cblr-1712	535	6	technical	technical	ADJ
cblr-1712	535	7	questions	question	NOUN
cblr-1712	535	8	of	of	ADP
cblr-1712	535	9	what	what	DET
cblr-1712	535	10	information	information	NOUN
cblr-1712	535	11	may	may	AUX
cblr-1712	535	12	and	and	CCONJ
cblr-1712	535	13	may	may	AUX
cblr-1712	535	14	not	not	PART
cblr-1712	535	15	be	be	AUX
cblr-1712	535	16	contained	contain	VERB
cblr-1712	535	17	in	in	ADP
cblr-1712	535	18	employment	employment	NOUN
cblr-1712	535	19	background	background	NOUN
cblr-1712	535	20	johnston	johnston	PROPN
cblr-1712	535	21	–	–	PUNCT
cblr-1712	536	1	final	final	ADJ
cblr-1712	536	2	44	44	NUM
cblr-1712	536	3	columbia	columbia	PROPN
cblr-1712	536	4	business	business	NOUN
cblr-1712	536	5	law	law	PROPN
cblr-1712	536	6	review	review	NOUN
cblr-1712	536	7	[	[	X
cblr-1712	536	8	vol	vol	NOUN
cblr-1712	536	9	.	.	NOUN
cblr-1712	536	10	2017	2017	NUM
cblr-1712	536	11	ruled	rule	VERB
cblr-1712	536	12	on	on	ADP
cblr-1712	536	13	such	such	ADJ
cblr-1712	536	14	arguments	argument	NOUN
cblr-1712	536	15	,	,	PUNCT
cblr-1712	536	16	usually	usually	ADV
cblr-1712	536	17	made	make	VERB
cblr-1712	536	18	on	on	ADP
cblr-1712	536	19	frcp	frcp	NOUN
cblr-1712	536	20	12(b)(6	12(b)(6	NUM
cblr-1712	536	21	)	)	PUNCT
cblr-1712	536	22	motions	motion	NOUN
cblr-1712	536	23	to	to	PART
cblr-1712	536	24	dismiss	dismiss	VERB
cblr-1712	536	25	.	.	PUNCT
cblr-1712	537	1	instead	instead	ADV
cblr-1712	537	2	,	,	PUNCT
cblr-1712	537	3	at	at	ADP
cblr-1712	537	4	an	an	DET
cblr-1712	537	5	identical	identical	ADJ
cblr-1712	537	6	mean	mean	ADJ
cblr-1712	537	7	time	time	NOUN
cblr-1712	537	8	to	to	ADP
cblr-1712	537	9	settlement	settlement	NOUN
cblr-1712	537	10	of	of	ADP
cblr-1712	537	11	thirteen	thirteen	NUM
cblr-1712	537	12	months	month	NOUN
cblr-1712	537	13	,	,	PUNCT
cblr-1712	537	14	parties	party	NOUN
cblr-1712	537	15	reached	reach	VERB
cblr-1712	537	16	both	both	PRON
cblr-1712	537	17	fcra	fcra	NOUN
cblr-1712	537	18	expiration	expiration	NOUN
cblr-1712	537	19	date	date	NOUN
cblr-1712	537	20	and	and	CCONJ
cblr-1712	537	21	background	background	NOUN
cblr-1712	537	22	report	report	NOUN
cblr-1712	537	23	class	class	NOUN
cblr-1712	537	24	settlements	settlement	NOUN
cblr-1712	537	25	.	.	PUNCT
cblr-1712	538	1	this	this	PRON
cblr-1712	538	2	suggests	suggest	VERB
cblr-1712	538	3	that	that	SCONJ
cblr-1712	538	4	the	the	DET
cblr-1712	538	5	facta	facta	NOUN
cblr-1712	538	6	willfulness	willfulness	NOUN
cblr-1712	538	7	requirement	requirement	NOUN
cblr-1712	538	8	has	have	AUX
cblr-1712	538	9	in	in	ADP
cblr-1712	538	10	practice	practice	NOUN
cblr-1712	538	11	provided	provide	VERB
cblr-1712	538	12	very	very	ADV
cblr-1712	538	13	little	little	ADJ
cblr-1712	538	14	protection	protection	NOUN
cblr-1712	538	15	for	for	ADP
cblr-1712	538	16	businesses	business	NOUN
cblr-1712	538	17	under	under	ADP
cblr-1712	538	18	facta	facta	NOUN
cblr-1712	538	19	.	.	PUNCT
cblr-1712	539	1	like	like	ADP
cblr-1712	539	2	the	the	DET
cblr-1712	539	3	atm	atm	NOUN
cblr-1712	539	4	“	"	PUNCT
cblr-1712	539	5	on	on	ADP
cblr-1712	539	6	or	or	CCONJ
cblr-1712	539	7	at	at	ADP
cblr-1712	539	8	”	"	PUNCT
cblr-1712	539	9	notice	notice	NOUN
cblr-1712	539	10	cases	case	NOUN
cblr-1712	539	11	,	,	PUNCT
cblr-1712	539	12	facta	facta	ADJ
cblr-1712	539	13	expiration	expiration	NOUN
cblr-1712	539	14	date	date	NOUN
cblr-1712	539	15	cases	case	NOUN
cblr-1712	539	16	are	be	AUX
cblr-1712	539	17	relatively	relatively	ADV
cblr-1712	539	18	easy	easy	ADJ
cblr-1712	539	19	for	for	ADP
cblr-1712	539	20	class	class	NOUN
cblr-1712	539	21	counsels	counsel	NOUN
cblr-1712	539	22	.	.	PUNCT
cblr-1712	540	1	perhaps	perhaps	ADV
cblr-1712	540	2	the	the	DET
cblr-1712	540	3	most	most	ADV
cblr-1712	540	4	important	important	ADJ
cblr-1712	540	5	respect	respect	NOUN
cblr-1712	540	6	in	in	ADP
cblr-1712	540	7	which	which	PRON
cblr-1712	540	8	the	the	DET
cblr-1712	540	9	fcra	fcra	NOUN
cblr-1712	540	10	expiration	expiration	NOUN
cblr-1712	540	11	date	date	NOUN
cblr-1712	540	12	and	and	CCONJ
cblr-1712	540	13	employment	employment	NOUN
cblr-1712	540	14	background	background	NOUN
cblr-1712	540	15	report	report	NOUN
cblr-1712	540	16	cases	case	NOUN
cblr-1712	540	17	resemble	resemble	VERB
cblr-1712	540	18	the	the	DET
cblr-1712	540	19	atm	atm	NOUN
cblr-1712	540	20	“	"	PUNCT
cblr-1712	540	21	on	on	ADP
cblr-1712	540	22	or	or	CCONJ
cblr-1712	540	23	at	at	ADP
cblr-1712	540	24	”	"	PUNCT
cblr-1712	540	25	notice	notice	NOUN
cblr-1712	540	26	cases	case	NOUN
cblr-1712	540	27	is	be	AUX
cblr-1712	540	28	that	that	SCONJ
cblr-1712	540	29	neither	neither	CCONJ
cblr-1712	540	30	type	type	NOUN
cblr-1712	540	31	of	of	ADP
cblr-1712	540	32	violation	violation	NOUN
cblr-1712	540	33	involves	involve	VERB
cblr-1712	540	34	any	any	DET
cblr-1712	540	35	actual	actual	ADJ
cblr-1712	540	36	injury	injury	NOUN
cblr-1712	540	37	to	to	ADP
cblr-1712	540	38	a	a	DET
cblr-1712	540	39	plaintiff	plaintiff	NOUN
cblr-1712	540	40	.	.	PUNCT
cblr-1712	541	1	as	as	ADP
cblr-1712	541	2	for	for	ADP
cblr-1712	541	3	the	the	DET
cblr-1712	541	4	expiration	expiration	NOUN
cblr-1712	541	5	date	date	NOUN
cblr-1712	541	6	cases	case	NOUN
cblr-1712	541	7	,	,	PUNCT
cblr-1712	541	8	congress	congress	PROPN
cblr-1712	541	9	found	find	VERB
cblr-1712	541	10	in	in	ADP
cblr-1712	541	11	2008	2008	NUM
cblr-1712	541	12	that	that	SCONJ
cblr-1712	541	13	experts	expert	NOUN
cblr-1712	541	14	did	do	AUX
cblr-1712	541	15	not	not	PART
cblr-1712	541	16	believe	believe	VERB
cblr-1712	541	17	that	that	SCONJ
cblr-1712	541	18	the	the	DET
cblr-1712	541	19	risk	risk	NOUN
cblr-1712	541	20	of	of	ADP
cblr-1712	541	21	credit	credit	NOUN
cblr-1712	541	22	card	card	NOUN
cblr-1712	541	23	fraud	fraud	NOUN
cblr-1712	541	24	decreases	decrease	VERB
cblr-1712	541	25	when	when	SCONJ
cblr-1712	541	26	a	a	DET
cblr-1712	541	27	merchant	merchant	NOUN
cblr-1712	541	28	prints	print	VERB
cblr-1712	541	29	out	out	ADP
cblr-1712	541	30	the	the	DET
cblr-1712	541	31	expiration	expiration	NOUN
cblr-1712	541	32	date	date	NOUN
cblr-1712	541	33	but	but	CCONJ
cblr-1712	541	34	truncates	truncate	VERB
cblr-1712	541	35	the	the	DET
cblr-1712	541	36	actual	actual	ADJ
cblr-1712	541	37	credit	credit	NOUN
cblr-1712	541	38	card	card	NOUN
cblr-1712	541	39	number	number	NOUN
cblr-1712	541	40	,	,	PUNCT
cblr-1712	541	41	as	as	SCONJ
cblr-1712	541	42	facta	facta	NOUN
cblr-1712	541	43	requires.122	requires.122	PROPN
cblr-1712	541	44	plaintiffs	plaintiff	NOUN
cblr-1712	541	45	in	in	ADP
cblr-1712	541	46	facta	facta	NOUN
cblr-1712	541	47	expiration	expiration	NOUN
cblr-1712	541	48	date	date	NOUN
cblr-1712	541	49	cases	case	NOUN
cblr-1712	541	50	do	do	AUX
cblr-1712	541	51	not	not	PART
cblr-1712	541	52	allege	allege	VERB
cblr-1712	541	53	that	that	SCONJ
cblr-1712	541	54	they	they	PRON
cblr-1712	541	55	have	have	AUX
cblr-1712	541	56	suffered	suffer	VERB
cblr-1712	541	57	harm	harm	NOUN
cblr-1712	541	58	,	,	PUNCT
cblr-1712	541	59	but	but	CCONJ
cblr-1712	541	60	seek	seek	VERB
cblr-1712	541	61	statutory	statutory	ADJ
cblr-1712	541	62	damages	damage	NOUN
cblr-1712	541	63	for	for	ADP
cblr-1712	541	64	willful	willful	ADJ
cblr-1712	541	65	violations	violation	NOUN
cblr-1712	541	66	.	.	PUNCT
cblr-1712	542	1	federal	federal	ADJ
cblr-1712	542	2	courts	court	NOUN
cblr-1712	542	3	that	that	PRON
cblr-1712	542	4	have	have	AUX
cblr-1712	542	5	found	find	VERB
cblr-1712	542	6	standing	stand	VERB
cblr-1712	542	7	for	for	ADP
cblr-1712	542	8	plaintiffs	plaintiff	NOUN
cblr-1712	542	9	alleging	allege	VERB
cblr-1712	542	10	such	such	ADJ
cblr-1712	542	11	facta	facta	NOUN
cblr-1712	542	12	violations	violation	NOUN
cblr-1712	542	13	have	have	AUX
cblr-1712	542	14	reasoned	reason	VERB
cblr-1712	542	15	that	that	SCONJ
cblr-1712	542	16	the	the	DET
cblr-1712	542	17	mere	mere	ADJ
cblr-1712	542	18	statutory	statutory	ADJ
cblr-1712	542	19	violation	violation	NOUN
cblr-1712	542	20	itself	itself	PRON
cblr-1712	542	21	can	can	AUX
cblr-1712	542	22	establish	establish	VERB
cblr-1712	542	23	“	"	PUNCT
cblr-1712	542	24	injury	injury	NOUN
cblr-1712	542	25	”	"	PUNCT
cblr-1712	542	26	sufficient	sufficient	ADJ
cblr-1712	542	27	to	to	PART
cblr-1712	542	28	meet	meet	VERB
cblr-1712	542	29	constitutional	constitutional	ADJ
cblr-1712	542	30	standing	standing	NOUN
cblr-1712	542	31	requirements.123	requirements.123	VERB
cblr-1712	542	32	and	and	CCONJ
cblr-1712	542	33	the	the	DET
cblr-1712	542	34	injury	injury	NOUN
cblr-1712	542	35	in	in	ADP
cblr-1712	542	36	employment	employment	NOUN
cblr-1712	542	37	background	background	NOUN
cblr-1712	542	38	reports	report	NOUN
cblr-1712	542	39	—	—	PUNCT
cblr-1712	542	40	a	a	DET
cblr-1712	542	41	failure	failure	NOUN
cblr-1712	542	42	to	to	PART
cblr-1712	542	43	follow	follow	VERB
cblr-1712	542	44	process	process	NOUN
cblr-1712	542	45	—	—	PUNCT
cblr-1712	542	46	is	be	AUX
cblr-1712	542	47	precisely	precisely	ADV
cblr-1712	542	48	the	the	DET
cblr-1712	542	49	type	type	NOUN
cblr-1712	542	50	of	of	ADP
cblr-1712	542	51	injury	injury	NOUN
cblr-1712	542	52	for	for	ADP
cblr-1712	542	53	which	which	PRON
cblr-1712	542	54	plaintiffs	plaintiff	NOUN
cblr-1712	542	55	have	have	AUX
cblr-1712	542	56	faced	face	VERB
cblr-1712	542	57	the	the	DET
cblr-1712	542	58	most	most	ADJ
cblr-1712	542	59	difficulty	difficulty	NOUN
cblr-1712	542	60	in	in	ADP
cblr-1712	542	61	establishing	establish	VERB
cblr-1712	542	62	standing	stand	VERB
cblr-1712	542	63	under	under	ADP
cblr-1712	542	64	the	the	DET
cblr-1712	542	65	supreme	supreme	PROPN
cblr-1712	542	66	court	court	PROPN
cblr-1712	542	67	’s	’s	PART
cblr-1712	543	1	constitutional	constitutional	ADJ
cblr-1712	543	2	standing	standing	NOUN
cblr-1712	543	3	jurisprudence.124	jurisprudence.124	PROPN
cblr-1712	543	4	figure	figure	NOUN
cblr-1712	543	5	4	4	NUM
cblr-1712	543	6	depicts	depict	VERB
cblr-1712	543	7	class	class	NOUN
cblr-1712	543	8	-	-	PUNCT
cblr-1712	543	9	action	action	NOUN
cblr-1712	543	10	settlements	settlement	NOUN
cblr-1712	543	11	in	in	ADP
cblr-1712	543	12	all	all	DET
cblr-1712	543	13	types	type	NOUN
cblr-1712	543	14	of	of	ADP
cblr-1712	543	15	fcra	fcra	NOUN
cblr-1712	543	16	cases	case	NOUN
cblr-1712	543	17	.	.	PUNCT
cblr-1712	544	1	as	as	SCONJ
cblr-1712	544	2	shown	show	VERB
cblr-1712	544	3	,	,	PUNCT
cblr-1712	544	4	the	the	DET
cblr-1712	544	5	(	(	PUNCT
cblr-1712	544	6	smoothed)125	smoothed)125	NUM
cblr-1712	544	7	compensation	compensation	NOUN
cblr-1712	544	8	rate	rate	NOUN
cblr-1712	544	9	check	check	NOUN
cblr-1712	544	10	disclosures	disclosure	NOUN
cblr-1712	544	11	.	.	PUNCT
cblr-1712	545	1	see	see	VERB
cblr-1712	545	2	,	,	PUNCT
cblr-1712	545	3	e.g.	e.g.	ADV
cblr-1712	545	4	,	,	PUNCT
cblr-1712	545	5	jones	jones	PROPN
cblr-1712	545	6	v.	v.	PROPN
cblr-1712	545	7	halstead	halstead	PROPN
cblr-1712	545	8	mgmt	mgmt	PROPN
cblr-1712	546	1	.	.	PROPN
cblr-1712	546	2	co.	co.	PROPN
cblr-1712	546	3	,	,	PUNCT
cblr-1712	546	4	81	81	NUM
cblr-1712	546	5	f.	f.	PROPN
cblr-1712	546	6	supp	supp	PROPN
cblr-1712	546	7	.	.	PUNCT
cblr-1712	547	1	3d	3d	NUM
cblr-1712	547	2	324	324	NUM
cblr-1712	547	3	,	,	PUNCT
cblr-1712	547	4	333	333	NUM
cblr-1712	547	5	,	,	PUNCT
cblr-1712	547	6	337	337	NUM
cblr-1712	547	7	(	(	PUNCT
cblr-1712	547	8	s.d.n.y	s.d.n.y	PROPN
cblr-1712	547	9	.	.	PROPN
cblr-1712	547	10	2015	2015	NUM
cblr-1712	547	11	)	)	PUNCT
cblr-1712	547	12	;	;	PUNCT
cblr-1712	547	13	miller	miller	PROPN
cblr-1712	547	14	v.	v.	PROPN
cblr-1712	547	15	quest	quest	NOUN
cblr-1712	547	16	diagnostics	diagnostic	NOUN
cblr-1712	547	17	,	,	PUNCT
cblr-1712	547	18	85	85	NUM
cblr-1712	547	19	f.	f.	PROPN
cblr-1712	547	20	supp	supp	PROPN
cblr-1712	547	21	.	.	PUNCT
cblr-1712	548	1	3d	3d	NUM
cblr-1712	548	2	1058	1058	NUM
cblr-1712	548	3	,	,	PUNCT
cblr-1712	548	4	1061–62	1061–62	NUM
cblr-1712	548	5	(	(	PUNCT
cblr-1712	548	6	w.d	w.d	PROPN
cblr-1712	548	7	.	.	PROPN
cblr-1712	548	8	mo	mo	PROPN
cblr-1712	548	9	.	.	PROPN
cblr-1712	548	10	2015	2015	NUM
cblr-1712	548	11	)	)	PUNCT
cblr-1712	548	12	.	.	PUNCT
cblr-1712	549	1	122	122	NUM
cblr-1712	549	2	see	see	VERB
cblr-1712	549	3	supra	supra	NOUN
cblr-1712	549	4	,	,	PUNCT
cblr-1712	549	5	note	note	VERB
cblr-1712	549	6	114	114	NUM
cblr-1712	549	7	and	and	CCONJ
cblr-1712	549	8	accompanying	accompany	VERB
cblr-1712	549	9	text	text	NOUN
cblr-1712	549	10	.	.	PUNCT
cblr-1712	550	1	123	123	NUM
cblr-1712	550	2	see	see	VERB
cblr-1712	550	3	,	,	PUNCT
cblr-1712	550	4	e.g.	e.g.	ADV
cblr-1712	550	5	,	,	PUNCT
cblr-1712	550	6	hammer	hammer	PROPN
cblr-1712	550	7	v.	v.	PROPN
cblr-1712	550	8	sam	sam	PROPN
cblr-1712	550	9	’s	’s	PROPN
cblr-1712	550	10	e.	e.	PROPN
cblr-1712	550	11	,	,	PUNCT
cblr-1712	550	12	inc	inc	PROPN
cblr-1712	550	13	.	.	PROPN
cblr-1712	550	14	,	,	PUNCT
cblr-1712	550	15	754	754	NUM
cblr-1712	550	16	f.3d	f.3d	NUM
cblr-1712	550	17	492	492	NUM
cblr-1712	550	18	(	(	PUNCT
cblr-1712	550	19	8th	8th	ADJ
cblr-1712	550	20	cir	cir	NOUN
cblr-1712	550	21	.	.	PROPN
cblr-1712	550	22	2014	2014	NUM
cblr-1712	550	23	)	)	PUNCT
cblr-1712	550	24	.	.	PUNCT
cblr-1712	551	1	124	124	NUM
cblr-1712	551	2	see	see	VERB
cblr-1712	551	3	evan	evan	PROPN
cblr-1712	551	4	tsen	tsen	PROPN
cblr-1712	551	5	lee	lee	PROPN
cblr-1712	551	6	&	&	CCONJ
cblr-1712	551	7	josephine	josephine	PROPN
cblr-1712	551	8	mason	mason	PROPN
cblr-1712	551	9	ellis	ellis	PROPN
cblr-1712	551	10	,	,	PUNCT
cblr-1712	551	11	the	the	DET
cblr-1712	551	12	standing	standing	PROPN
cblr-1712	551	13	doctrine	doctrine	NOUN
cblr-1712	551	14	’s	’s	PART
cblr-1712	551	15	dirty	dirty	ADJ
cblr-1712	551	16	little	little	ADJ
cblr-1712	551	17	secret	secret	ADJ
cblr-1712	551	18	,	,	PUNCT
cblr-1712	551	19	107	107	NUM
cblr-1712	551	20	nw	nw	PROPN
cblr-1712	551	21	.	.	PUNCT
cblr-1712	552	1	u.l	u.l	AUX
cblr-1712	552	2	.	.	PROPN
cblr-1712	552	3	rev	rev	PROPN
cblr-1712	552	4	.	.	PROPN
cblr-1712	552	5	169	169	NUM
cblr-1712	552	6	(	(	PUNCT
cblr-1712	552	7	2012	2012	NUM
cblr-1712	552	8	)	)	PUNCT
cblr-1712	552	9	.	.	PUNCT
cblr-1712	553	1	125	125	NUM
cblr-1712	553	2	it	it	PRON
cblr-1712	553	3	is	be	AUX
cblr-1712	553	4	the	the	DET
cblr-1712	553	5	smoothing	smoothing	NOUN
cblr-1712	553	6	that	that	PRON
cblr-1712	553	7	creates	create	VERB
cblr-1712	553	8	the	the	DET
cblr-1712	553	9	appearance	appearance	NOUN
cblr-1712	553	10	of	of	ADP
cblr-1712	553	11	a	a	DET
cblr-1712	553	12	potentially	potentially	ADV
cblr-1712	553	13	negative	negative	ADJ
cblr-1712	553	14	value	value	NOUN
cblr-1712	553	15	of	of	ADP
cblr-1712	553	16	the	the	DET
cblr-1712	553	17	compensation	compensation	NOUN
cblr-1712	553	18	rate	rate	NOUN
cblr-1712	553	19	.	.	PUNCT
cblr-1712	554	1	johnston	johnston	PROPN
cblr-1712	554	2	–	–	PUNCT
cblr-1712	554	3	final	final	ADJ
cblr-1712	554	4	no	no	NOUN
cblr-1712	554	5	.	.	NOUN
cblr-1712	554	6	1:1	1:1	NUM
cblr-1712	554	7	]	]	X
cblr-1712	554	8	high	high	ADJ
cblr-1712	554	9	cost	cost	NOUN
cblr-1712	554	10	,	,	PUNCT
cblr-1712	554	11	little	little	ADJ
cblr-1712	554	12	compensation	compensation	NOUN
cblr-1712	554	13	45	45	NUM
cblr-1712	554	14	distribution	distribution	NOUN
cblr-1712	554	15	has	have	VERB
cblr-1712	554	16	a	a	DET
cblr-1712	554	17	double	double	ADJ
cblr-1712	554	18	-	-	PUNCT
cblr-1712	554	19	peaked	peaked	ADJ
cblr-1712	554	20	shape	shape	NOUN
cblr-1712	554	21	,	,	PUNCT
cblr-1712	554	22	with	with	ADP
cblr-1712	554	23	compensation	compensation	NOUN
cblr-1712	554	24	rates	rate	NOUN
cblr-1712	554	25	around	around	ADP
cblr-1712	554	26	10	10	NUM
cblr-1712	554	27	%	%	NOUN
cblr-1712	554	28	being	be	AUX
cblr-1712	554	29	most	most	ADV
cblr-1712	554	30	frequent	frequent	ADJ
cblr-1712	554	31	,	,	PUNCT
cblr-1712	554	32	but	but	CCONJ
cblr-1712	554	33	very	very	ADV
cblr-1712	554	34	high	high	ADJ
cblr-1712	554	35	compensation	compensation	NOUN
cblr-1712	554	36	also	also	ADV
cblr-1712	554	37	being	be	AUX
cblr-1712	554	38	relatively	relatively	ADV
cblr-1712	554	39	frequent	frequent	ADJ
cblr-1712	554	40	.	.	PUNCT
cblr-1712	555	1	figure	figure	NOUN
cblr-1712	555	2	4	4	NUM
cblr-1712	555	3	.	.	PUNCT
cblr-1712	556	1	distribution	distribution	NOUN
cblr-1712	556	2	of	of	ADP
cblr-1712	556	3	compensation	compensation	NOUN
cblr-1712	556	4	rate	rate	NOUN
cblr-1712	556	5	in	in	ADP
cblr-1712	556	6	fcra	fcra	NOUN
cblr-1712	556	7	class	class	NOUN
cblr-1712	556	8	settlements	settlement	NOUN
cblr-1712	556	9	figure	figure	VERB
cblr-1712	556	10	5	5	NUM
cblr-1712	556	11	below	below	ADV
cblr-1712	556	12	helps	help	VERB
cblr-1712	556	13	to	to	PART
cblr-1712	556	14	explain	explain	VERB
cblr-1712	556	15	the	the	DET
cblr-1712	556	16	double	double	ADJ
cblr-1712	556	17	-	-	PUNCT
cblr-1712	556	18	peaked	peaked	ADJ
cblr-1712	556	19	distribution	distribution	NOUN
cblr-1712	556	20	of	of	ADP
cblr-1712	556	21	fcra	fcra	NOUN
cblr-1712	556	22	class	class	NOUN
cblr-1712	556	23	compensation	compensation	NOUN
cblr-1712	556	24	rates	rate	NOUN
cblr-1712	556	25	.	.	PUNCT
cblr-1712	557	1	the	the	DET
cblr-1712	557	2	37	37	NUM
cblr-1712	557	3	%	%	NOUN
cblr-1712	557	4	class	class	NOUN
cblr-1712	557	5	compensation	compensation	NOUN
cblr-1712	557	6	rate	rate	NOUN
cblr-1712	557	7	in	in	ADP
cblr-1712	557	8	employment	employment	NOUN
cblr-1712	557	9	report	report	NOUN
cblr-1712	557	10	class	class	NOUN
cblr-1712	557	11	-	-	PUNCT
cblr-1712	557	12	action	action	NOUN
cblr-1712	557	13	settlements	settlement	NOUN
cblr-1712	557	14	is	be	AUX
cblr-1712	557	15	over	over	ADP
cblr-1712	557	16	three	three	NUM
cblr-1712	557	17	times	time	NOUN
cblr-1712	557	18	the	the	DET
cblr-1712	557	19	12	12	NUM
cblr-1712	557	20	%	%	NOUN
cblr-1712	557	21	compensation	compensation	NOUN
cblr-1712	557	22	rate	rate	NOUN
cblr-1712	557	23	in	in	ADP
cblr-1712	557	24	expiration	expiration	NOUN
cblr-1712	557	25	date	date	NOUN
cblr-1712	557	26	cases.126	cases.126	PRON
cblr-1712	557	27	126	126	NUM
cblr-1712	557	28	note	note	NOUN
cblr-1712	557	29	that	that	SCONJ
cblr-1712	557	30	there	there	PRON
cblr-1712	557	31	is	be	VERB
cblr-1712	557	32	a	a	DET
cblr-1712	557	33	single	single	ADJ
cblr-1712	557	34	fcra	fcra	NOUN
cblr-1712	557	35	privacy	privacy	NOUN
cblr-1712	557	36	settlement	settlement	NOUN
cblr-1712	557	37	in	in	ADP
cblr-1712	557	38	the	the	DET
cblr-1712	557	39	illinois	illinois	PROPN
cblr-1712	557	40	data	data	PROPN
cblr-1712	557	41	,	,	PUNCT
cblr-1712	557	42	and	and	CCONJ
cblr-1712	557	43	the	the	DET
cblr-1712	557	44	reason	reason	NOUN
cblr-1712	557	45	that	that	PRON
cblr-1712	557	46	the	the	DET
cblr-1712	557	47	compensation	compensation	NOUN
cblr-1712	557	48	rate	rate	NOUN
cblr-1712	557	49	is	be	AUX
cblr-1712	557	50	so	so	ADV
cblr-1712	557	51	high	high	ADJ
cblr-1712	557	52	in	in	ADP
cblr-1712	557	53	that	that	DET
cblr-1712	557	54	case	case	NOUN
cblr-1712	557	55	is	be	AUX
cblr-1712	557	56	because	because	SCONJ
cblr-1712	557	57	the	the	DET
cblr-1712	557	58	relief	relief	NOUN
cblr-1712	557	59	there	there	PRON
cblr-1712	557	60	was	be	VERB
cblr-1712	557	61	free	free	ADJ
cblr-1712	557	62	credit	credit	NOUN
cblr-1712	557	63	monitoring	monitoring	NOUN
cblr-1712	557	64	made	make	VERB
cblr-1712	557	65	available	available	ADJ
cblr-1712	557	66	to	to	ADP
cblr-1712	557	67	the	the	DET
cblr-1712	557	68	entire	entire	ADJ
cblr-1712	557	69	class	class	NOUN
cblr-1712	557	70	.	.	PUNCT
cblr-1712	558	1	johnston	johnston	PROPN
cblr-1712	558	2	–	–	PUNCT
cblr-1712	558	3	final	final	ADJ
cblr-1712	558	4	46	46	NUM
cblr-1712	558	5	columbia	columbia	PROPN
cblr-1712	558	6	business	business	NOUN
cblr-1712	558	7	law	law	PROPN
cblr-1712	558	8	review	review	NOUN
cblr-1712	559	1	[	[	X
cblr-1712	559	2	vol	vol	NOUN
cblr-1712	559	3	.	.	PUNCT
cblr-1712	559	4	2017	2017	NUM
cblr-1712	559	5	figure	figure	NOUN
cblr-1712	559	6	5	5	NUM
cblr-1712	559	7	.	.	PUNCT
cblr-1712	559	8	fcra	fcra	NOUN
cblr-1712	559	9	mean	mean	PROPN
cblr-1712	559	10	compensation	compensation	NOUN
cblr-1712	559	11	rate	rate	NOUN
cblr-1712	559	12	,	,	PUNCT
cblr-1712	559	13	by	by	ADP
cblr-1712	559	14	case	case	NOUN
cblr-1712	559	15	type	type	NOUN
cblr-1712	559	16	in	in	ADP
cblr-1712	559	17	a	a	DET
cblr-1712	559	18	(	(	PUNCT
cblr-1712	559	19	transformed)127	transformed)127	NUM
cblr-1712	559	20	linear	linear	PROPN
cblr-1712	559	21	regression	regression	NOUN
cblr-1712	559	22	of	of	ADP
cblr-1712	559	23	compensation	compensation	NOUN
cblr-1712	559	24	rate	rate	NOUN
cblr-1712	559	25	on	on	ADP
cblr-1712	559	26	case	case	NOUN
cblr-1712	559	27	type	type	NOUN
cblr-1712	559	28	(	(	PUNCT
cblr-1712	559	29	expiration	expiration	NOUN
cblr-1712	559	30	date	date	NOUN
cblr-1712	559	31	)	)	PUNCT
cblr-1712	559	32	and	and	CCONJ
cblr-1712	559	33	class	class	NOUN
cblr-1712	559	34	size	size	NOUN
cblr-1712	559	35	,	,	PUNCT
cblr-1712	559	36	reported	report	VERB
cblr-1712	559	37	in	in	ADP
cblr-1712	559	38	table	table	NOUN
cblr-1712	559	39	3	3	NUM
cblr-1712	559	40	below	below	ADV
cblr-1712	559	41	,	,	PUNCT
cblr-1712	559	42	expiration	expiration	NOUN
cblr-1712	559	43	date	date	NOUN
cblr-1712	559	44	cases	case	NOUN
cblr-1712	559	45	have	have	VERB
cblr-1712	559	46	a	a	DET
cblr-1712	559	47	lower	low	ADJ
cblr-1712	559	48	compensation	compensation	NOUN
cblr-1712	559	49	rate	rate	NOUN
cblr-1712	559	50	,	,	PUNCT
cblr-1712	559	51	a	a	DET
cblr-1712	559	52	result	result	NOUN
cblr-1712	559	53	that	that	PRON
cblr-1712	559	54	is	be	AUX
cblr-1712	559	55	significant	significant	ADJ
cblr-1712	559	56	at	at	ADP
cblr-1712	559	57	the	the	DET
cblr-1712	559	58	5	5	NUM
cblr-1712	559	59	%	%	NOUN
cblr-1712	559	60	level	level	NOUN
cblr-1712	559	61	.	.	PUNCT
cblr-1712	560	1	increasing	increase	VERB
cblr-1712	560	2	class	class	NOUN
cblr-1712	560	3	size	size	NOUN
cblr-1712	560	4	also	also	ADV
cblr-1712	560	5	lowers	lower	VERB
cblr-1712	560	6	the	the	DET
cblr-1712	560	7	compensation	compensation	NOUN
cblr-1712	560	8	rate	rate	NOUN
cblr-1712	560	9	,	,	PUNCT
cblr-1712	560	10	but	but	CCONJ
cblr-1712	560	11	this	this	DET
cblr-1712	560	12	result	result	NOUN
cblr-1712	560	13	is	be	AUX
cblr-1712	560	14	not	not	PART
cblr-1712	560	15	significant	significant	ADJ
cblr-1712	560	16	.	.	PUNCT
cblr-1712	561	1	127	127	NUM
cblr-1712	561	2	as	as	SCONJ
cblr-1712	561	3	the	the	DET
cblr-1712	561	4	compensation	compensation	NOUN
cblr-1712	561	5	rate	rate	NOUN
cblr-1712	561	6	is	be	AUX
cblr-1712	561	7	a	a	DET
cblr-1712	561	8	variable	variable	NOUN
cblr-1712	561	9	confined	confine	VERB
cblr-1712	561	10	to	to	ADP
cblr-1712	561	11	the	the	DET
cblr-1712	561	12	(	(	PUNCT
cblr-1712	561	13	0,1	0,1	NUM
cblr-1712	561	14	)	)	PUNCT
cblr-1712	561	15	range	range	NOUN
cblr-1712	561	16	,	,	PUNCT
cblr-1712	561	17	it	it	PRON
cblr-1712	561	18	is	be	AUX
cblr-1712	561	19	transformed	transform	VERB
cblr-1712	561	20	using	use	VERB
cblr-1712	561	21	the	the	DET
cblr-1712	561	22	logit	logit	NOUN
cblr-1712	561	23	transformation	transformation	NOUN
cblr-1712	561	24	in	in	ADP
cblr-1712	561	25	stata	stata	NOUN
cblr-1712	561	26	before	before	ADP
cblr-1712	561	27	running	run	VERB
cblr-1712	561	28	the	the	DET
cblr-1712	561	29	linear	linear	ADJ
cblr-1712	561	30	regression	regression	NOUN
cblr-1712	561	31	.	.	PUNCT
cblr-1712	562	1	johnston	johnston	PROPN
cblr-1712	562	2	–	–	PUNCT
cblr-1712	562	3	final	final	ADJ
cblr-1712	562	4	no	no	NOUN
cblr-1712	562	5	.	.	NOUN
cblr-1712	562	6	1:1	1:1	NUM
cblr-1712	562	7	]	]	X
cblr-1712	562	8	high	high	ADJ
cblr-1712	562	9	cost	cost	NOUN
cblr-1712	562	10	,	,	PUNCT
cblr-1712	562	11	little	little	ADJ
cblr-1712	562	12	compensation	compensation	NOUN
cblr-1712	562	13	47	47	NUM
cblr-1712	562	14	table	table	NOUN
cblr-1712	562	15	3	3	NUM
cblr-1712	562	16	.	.	NOUN
cblr-1712	562	17	fcra	fcra	PROPN
cblr-1712	562	18	compensation	compensation	NOUN
cblr-1712	562	19	rate	rate	NOUN
cblr-1712	562	20	regression	regression	NOUN
cblr-1712	562	21	results	result	NOUN
cblr-1712	562	22	perhaps	perhaps	ADV
cblr-1712	562	23	most	most	ADV
cblr-1712	562	24	noteworthy	noteworthy	ADJ
cblr-1712	562	25	about	about	ADP
cblr-1712	562	26	the	the	DET
cblr-1712	562	27	fcra	fcra	NOUN
cblr-1712	562	28	class	class	NOUN
cblr-1712	562	29	settlements	settlement	NOUN
cblr-1712	562	30	is	be	AUX
cblr-1712	562	31	the	the	DET
cblr-1712	562	32	enormous	enormous	ADJ
cblr-1712	562	33	discrepancy	discrepancy	NOUN
cblr-1712	562	34	between	between	ADP
cblr-1712	562	35	attorneys	attorney	NOUN
cblr-1712	562	36	’	’	PART
cblr-1712	562	37	fees	fee	NOUN
cblr-1712	562	38	and	and	CCONJ
cblr-1712	562	39	the	the	DET
cblr-1712	562	40	aggregate	aggregate	ADJ
cblr-1712	562	41	class	class	NOUN
cblr-1712	562	42	recovery	recovery	NOUN
cblr-1712	562	43	for	for	ADP
cblr-1712	562	44	expiration	expiration	NOUN
cblr-1712	562	45	date	date	NOUN
cblr-1712	562	46	cases	case	NOUN
cblr-1712	562	47	.	.	PUNCT
cblr-1712	563	1	as	as	SCONJ
cblr-1712	563	2	figure	figure	NOUN
cblr-1712	563	3	6	6	NUM
cblr-1712	563	4	depicts	depict	NOUN
cblr-1712	563	5	,	,	PUNCT
cblr-1712	563	6	if	if	SCONJ
cblr-1712	563	7	one	one	NUM
cblr-1712	563	8	considered	consider	VERB
cblr-1712	563	9	attorneys	attorney	NOUN
cblr-1712	563	10	’	'	PUNCT
cblr-1712	563	11	fees	fee	NOUN
cblr-1712	563	12	in	in	ADP
cblr-1712	563	13	such	such	ADJ
cblr-1712	563	14	cases	case	NOUN
cblr-1712	563	15	only	only	ADV
cblr-1712	563	16	relative	relative	ADJ
cblr-1712	563	17	to	to	ADP
cblr-1712	563	18	the	the	DET
cblr-1712	563	19	nominal	nominal	ADJ
cblr-1712	563	20	settlement	settlement	NOUN
cblr-1712	563	21	,	,	PUNCT
cblr-1712	563	22	they	they	PRON
cblr-1712	563	23	would	would	AUX
cblr-1712	563	24	appear	appear	VERB
cblr-1712	563	25	to	to	PART
cblr-1712	563	26	be	be	AUX
cblr-1712	563	27	quite	quite	ADV
cblr-1712	563	28	reasonable	reasonable	ADJ
cblr-1712	563	29	.	.	PUNCT
cblr-1712	564	1	but	but	CCONJ
cblr-1712	564	2	at	at	ADP
cblr-1712	564	3	an	an	DET
cblr-1712	564	4	average	average	NOUN
cblr-1712	564	5	of	of	ADP
cblr-1712	564	6	1100	1100	NUM
cblr-1712	564	7	%	%	NOUN
cblr-1712	564	8	of	of	ADP
cblr-1712	564	9	the	the	DET
cblr-1712	564	10	amount	amount	NOUN
cblr-1712	564	11	that	that	PRON
cblr-1712	564	12	the	the	DET
cblr-1712	564	13	class	class	NOUN
cblr-1712	564	14	actually	actually	ADV
cblr-1712	564	15	recovers	recover	VERB
cblr-1712	564	16	,	,	PUNCT
cblr-1712	564	17	attorneys	attorney	NOUN
cblr-1712	564	18	’	'	PUNCT
cblr-1712	564	19	fees	fee	NOUN
cblr-1712	564	20	dwarf	dwarf	VERB
cblr-1712	564	21	the	the	DET
cblr-1712	564	22	class	class	NOUN
cblr-1712	564	23	’	'	PUNCT
cblr-1712	564	24	recovery	recovery	NOUN
cblr-1712	564	25	.	.	PUNCT
cblr-1712	565	1	attorneys	attorney	NOUN
cblr-1712	565	2	’	'	PUNCT
cblr-1712	565	3	fees	fee	NOUN
cblr-1712	565	4	are	be	AUX
cblr-1712	565	5	actually	actually	ADV
cblr-1712	565	6	likely	likely	ADJ
cblr-1712	565	7	to	to	PART
cblr-1712	565	8	be	be	AUX
cblr-1712	565	9	even	even	ADV
cblr-1712	565	10	more	more	ADV
cblr-1712	565	11	disproportionate	disproportionate	ADJ
cblr-1712	565	12	relative	relative	ADJ
cblr-1712	565	13	to	to	ADP
cblr-1712	565	14	class	class	NOUN
cblr-1712	565	15	recovery	recovery	NOUN
cblr-1712	565	16	in	in	ADP
cblr-1712	565	17	expiration	expiration	NOUN
cblr-1712	565	18	date	date	NOUN
cblr-1712	565	19	cases	case	NOUN
cblr-1712	565	20	than	than	SCONJ
cblr-1712	565	21	figure	figure	VERB
cblr-1712	565	22	6	6	NUM
cblr-1712	565	23	depicts	depict	NOUN
cblr-1712	565	24	,	,	PUNCT
cblr-1712	565	25	for	for	ADP
cblr-1712	565	26	several	several	ADJ
cblr-1712	565	27	expiration	expiration	NOUN
cblr-1712	565	28	date	date	NOUN
cblr-1712	565	29	class	class	NOUN
cblr-1712	565	30	settlements	settlement	NOUN
cblr-1712	565	31	involved	involve	VERB
cblr-1712	565	32	in	in	ADP
cblr-1712	565	33	-	-	PUNCT
cblr-1712	565	34	kind	kind	NOUN
cblr-1712	565	35	relief	relief	NOUN
cblr-1712	565	36	to	to	ADP
cblr-1712	565	37	the	the	DET
cblr-1712	565	38	class	class	NOUN
cblr-1712	565	39	—	—	PUNCT
cblr-1712	565	40	things	thing	NOUN
cblr-1712	565	41	like	like	ADP
cblr-1712	565	42	coupons	coupon	NOUN
cblr-1712	565	43	or	or	CCONJ
cblr-1712	565	44	sale	sale	NOUN
cblr-1712	565	45	days	day	NOUN
cblr-1712	565	46	—	—	PUNCT
cblr-1712	565	47	that	that	PRON
cblr-1712	565	48	may	may	AUX
cblr-1712	565	49	well	well	ADV
cblr-1712	565	50	have	have	AUX
cblr-1712	565	51	generated	generate	VERB
cblr-1712	565	52	zero	zero	NUM
cblr-1712	565	53	compensation	compensation	NOUN
cblr-1712	565	54	.	.	PUNCT
cblr-1712	566	1	logit	logit	PROPN
cblr-1712	566	2	compensation	compensation	PROPN
cblr-1712	566	3	rate	rate	PROPN
cblr-1712	566	4	coef	coef	PROPN
cblr-1712	566	5	.	.	PUNCT
cblr-1712	567	1	std	std	NOUN
cblr-1712	567	2	.	.	PUNCT
cblr-1712	568	1	err	err	PROPN
cblr-1712	568	2	.	.	PUNCT
cblr-1712	569	1	t	t	PROPN
cblr-1712	569	2	p	p	X
cblr-1712	569	3	>	>	X
cblr-1712	569	4	t	t	X
cblr-1712	570	1	[	[	X
cblr-1712	570	2	95	95	NUM
cblr-1712	570	3	%	%	NOUN
cblr-1712	570	4	conf	conf	NOUN
cblr-1712	570	5	.	.	PUNCT
cblr-1712	571	1	interval	interval	NOUN
cblr-1712	571	2	]	]	PUNCT
cblr-1712	571	3	class	class	NOUN
cblr-1712	571	4	size	size	NOUN
cblr-1712	571	5	-6.27e-06	-6.27e-06	VERB
cblr-1712	571	6	8.72e-06	8.72e-06	NUM
cblr-1712	571	7	-0.72	-0.72	NUM
cblr-1712	571	8	0.486	0.486	NUM
cblr-1712	571	9	-.0000253	-.0000253	PROPN
cblr-1712	571	10	.0000127	.0000127	NOUN
cblr-1712	571	11	expiration	expiration	NOUN
cblr-1712	571	12	date	date	NOUN
cblr-1712	571	13	dummy	dummy	ADJ
cblr-1712	571	14	-2.221758	-2.221758	PROPN
cblr-1712	571	15	.9972362	.9972362	PROPN
cblr-1712	571	16	-2.23	-2.23	ADP
cblr-1712	571	17	0.046	0.046	NUM
cblr-1712	571	18	-4.394549	-4.394549	NOUN
cblr-1712	571	19	-.048967	-.048967	PUNCT
cblr-1712	571	20	constant	constant	ADJ
cblr-1712	571	21	-.0611625	-.0611625	PUNCT
cblr-1712	571	22	.6825851	.6825851	NOUN
cblr-1712	571	23	-0.09	-0.09	NUM
cblr-1712	571	24	0.930	0.930	NUM
cblr-1712	571	25	-1.548388	-1.548388	NUM
cblr-1712	572	1	1.426063	1.426063	NUM
cblr-1712	572	2	johnston	johnston	PROPN
cblr-1712	572	3	–	–	PUNCT
cblr-1712	572	4	final	final	ADJ
cblr-1712	572	5	48	48	NUM
cblr-1712	572	6	columbia	columbia	PROPN
cblr-1712	572	7	business	business	NOUN
cblr-1712	572	8	law	law	PROPN
cblr-1712	572	9	review	review	NOUN
cblr-1712	572	10	[	[	X
cblr-1712	572	11	vol	vol	NOUN
cblr-1712	572	12	.	.	PUNCT
cblr-1712	572	13	2017	2017	NUM
cblr-1712	572	14	figure	figure	NOUN
cblr-1712	572	15	6	6	NUM
cblr-1712	572	16	.	.	PUNCT
cblr-1712	572	17	fcra	fcra	NOUN
cblr-1712	572	18	attorneys	attorney	NOUN
cblr-1712	572	19	’	'	PUNCT
cblr-1712	572	20	fees	fee	NOUN
cblr-1712	572	21	as	as	ADP
cblr-1712	572	22	fraction	fraction	NOUN
cblr-1712	572	23	of	of	ADP
cblr-1712	572	24	nominal	nominal	ADJ
cblr-1712	572	25	and	and	CCONJ
cblr-1712	572	26	aggregate	aggregate	ADJ
cblr-1712	572	27	settlement	settlement	NOUN
cblr-1712	572	28	amounts	amount	NOUN
cblr-1712	572	29	by	by	ADP
cblr-1712	572	30	case	case	NOUN
cblr-1712	572	31	type	type	NOUN
cblr-1712	572	32	2	2	NUM
cblr-1712	572	33	.	.	PUNCT
cblr-1712	573	1	the	the	DET
cblr-1712	573	2	fair	fair	ADJ
cblr-1712	573	3	debt	debt	NOUN
cblr-1712	573	4	collection	collection	NOUN
cblr-1712	573	5	practices	practice	NOUN
cblr-1712	573	6	act	act	VERB
cblr-1712	573	7	the	the	DET
cblr-1712	573	8	most	most	ADV
cblr-1712	573	9	common	common	ADJ
cblr-1712	573	10	class	class	NOUN
cblr-1712	573	11	-	-	PUNCT
cblr-1712	573	12	action	action	NOUN
cblr-1712	573	13	filing	filing	NOUN
cblr-1712	573	14	in	in	ADP
cblr-1712	573	15	the	the	DET
cblr-1712	573	16	illinois	illinois	PROPN
cblr-1712	573	17	data	datum	NOUN
cblr-1712	573	18	was	be	AUX
cblr-1712	573	19	under	under	ADP
cblr-1712	573	20	the	the	DET
cblr-1712	573	21	fair	fair	ADJ
cblr-1712	573	22	debt	debt	NOUN
cblr-1712	573	23	collection	collection	NOUN
cblr-1712	573	24	practices	practice	NOUN
cblr-1712	573	25	act	act	VERB
cblr-1712	573	26	(	(	PUNCT
cblr-1712	573	27	“	"	PUNCT
cblr-1712	573	28	fdcpa	fdcpa	PROPN
cblr-1712	573	29	”	"	PUNCT
cblr-1712	573	30	)	)	PUNCT
cblr-1712	573	31	.	.	PUNCT
cblr-1712	574	1	enacted	enact	VERB
cblr-1712	574	2	as	as	ADP
cblr-1712	574	3	one	one	NUM
cblr-1712	574	4	of	of	ADP
cblr-1712	574	5	the	the	DET
cblr-1712	574	6	core	core	NOUN
cblr-1712	574	7	vintage	vintage	NOUN
cblr-1712	574	8	1970	1970	NUM
cblr-1712	574	9	federal	federal	ADJ
cblr-1712	574	10	consumer	consumer	NOUN
cblr-1712	574	11	protection	protection	NOUN
cblr-1712	574	12	statutes	statute	NOUN
cblr-1712	574	13	,	,	PUNCT
cblr-1712	574	14	congress	congress	PROPN
cblr-1712	574	15	intended	intend	VERB
cblr-1712	574	16	the	the	DET
cblr-1712	574	17	fdcpa	fdcpa	NOUN
cblr-1712	574	18	to	to	PART
cblr-1712	574	19	stop	stop	VERB
cblr-1712	574	20	various	various	ADJ
cblr-1712	574	21	abusive	abusive	ADJ
cblr-1712	574	22	debt	debt	NOUN
cblr-1712	574	23	collection	collection	NOUN
cblr-1712	574	24	practices.128	practices.128	ADP
cblr-1712	574	25	successful	successful	ADJ
cblr-1712	574	26	fdcpa	fdcpa	PROPN
cblr-1712	574	27	plaintiffs	plaintiff	NOUN
cblr-1712	574	28	are	be	AUX
cblr-1712	574	29	entitled	entitle	VERB
cblr-1712	574	30	to	to	ADP
cblr-1712	574	31	a	a	DET
cblr-1712	574	32	broad	broad	ADJ
cblr-1712	574	33	range	range	NOUN
cblr-1712	574	34	of	of	ADP
cblr-1712	574	35	compensatory	compensatory	ADJ
cblr-1712	574	36	damages	damage	NOUN
cblr-1712	574	37	,	,	PUNCT
cblr-1712	574	38	including	include	VERB
cblr-1712	574	39	damages	damage	NOUN
cblr-1712	574	40	for	for	ADP
cblr-1712	574	41	lost	lose	VERB
cblr-1712	574	42	wages	wage	NOUN
cblr-1712	574	43	,	,	PUNCT
cblr-1712	574	44	physical	physical	ADJ
cblr-1712	574	45	and	and	CCONJ
cblr-1712	574	46	mental	mental	ADJ
cblr-1712	574	47	distress	distress	NOUN
cblr-1712	574	48	,	,	PUNCT
cblr-1712	574	49	and	and	CCONJ
cblr-1712	574	50	statutory	statutory	ADJ
cblr-1712	574	51	damages	damage	NOUN
cblr-1712	574	52	up	up	ADP
cblr-1712	574	53	to	to	PART
cblr-1712	574	54	$	$	SYM
cblr-1712	574	55	1000	1000	NUM
cblr-1712	574	56	without	without	ADP
cblr-1712	574	57	proof	proof	NOUN
cblr-1712	574	58	of	of	ADP
cblr-1712	574	59	harm.129	harm.129	PROPN
cblr-1712	574	60	in	in	ADP
cblr-1712	574	61	a	a	DET
cblr-1712	574	62	class	class	NOUN
cblr-1712	574	63	action	action	NOUN
cblr-1712	574	64	,	,	PUNCT
cblr-1712	574	65	the	the	DET
cblr-1712	574	66	fdcpa	fdcpa	NOUN
cblr-1712	574	67	limits	limit	VERB
cblr-1712	574	68	statutory	statutory	ADJ
cblr-1712	574	69	damages	damage	NOUN
cblr-1712	574	70	recovered	recover	VERB
cblr-1712	574	71	on	on	ADP
cblr-1712	574	72	behalf	behalf	NOUN
cblr-1712	574	73	of	of	ADP
cblr-1712	574	74	absent	absent	ADJ
cblr-1712	574	75	class	class	NOUN
cblr-1712	574	76	members	member	NOUN
cblr-1712	574	77	to	to	ADP
cblr-1712	574	78	the	the	DET
cblr-1712	574	79	lesser	less	ADJ
cblr-1712	574	80	of	of	ADP
cblr-1712	574	81	$	$	SYM
cblr-1712	574	82	500,000	500,000	NUM
cblr-1712	574	83	or	or	CCONJ
cblr-1712	574	84	1	1	NUM
cblr-1712	574	85	%	%	NOUN
cblr-1712	574	86	of	of	ADP
cblr-1712	574	87	the	the	DET
cblr-1712	574	88	debt	debt	NOUN
cblr-1712	574	89	128	128	NUM
cblr-1712	574	90	see	see	VERB
cblr-1712	574	91	15	15	NUM
cblr-1712	574	92	u.s.c	u.s.c	ADJ
cblr-1712	574	93	.	.	PUNCT
cblr-1712	575	1	§	§	PROPN
cblr-1712	575	2	1692(e	1692(e	NUM
cblr-1712	575	3	)	)	PUNCT
cblr-1712	575	4	(	(	PUNCT
cblr-1712	575	5	“	"	PUNCT
cblr-1712	575	6	it	it	PRON
cblr-1712	575	7	is	be	AUX
cblr-1712	575	8	the	the	DET
cblr-1712	575	9	purpose	purpose	NOUN
cblr-1712	575	10	of	of	ADP
cblr-1712	575	11	this	this	DET
cblr-1712	575	12	subchapter	subchapter	NOUN
cblr-1712	575	13	to	to	PART
cblr-1712	575	14	eliminate	eliminate	VERB
cblr-1712	575	15	abusive	abusive	ADJ
cblr-1712	575	16	debt	debt	NOUN
cblr-1712	575	17	collection	collection	NOUN
cblr-1712	575	18	practices	practice	NOUN
cblr-1712	575	19	by	by	ADP
cblr-1712	575	20	debt	debt	NOUN
cblr-1712	575	21	collectors	collector	NOUN
cblr-1712	575	22	.	.	PUNCT
cblr-1712	575	23	.	.	PUNCT
cblr-1712	575	24	.	.	PUNCT
cblr-1712	575	25	.	.	PUNCT
cblr-1712	575	26	”	"	PUNCT
cblr-1712	575	27	)	)	PUNCT
cblr-1712	575	28	.	.	PUNCT
cblr-1712	576	1	129	129	NUM
cblr-1712	576	2	15	15	NUM
cblr-1712	576	3	u.s.c	u.s.c	NOUN
cblr-1712	576	4	.	.	PUNCT
cblr-1712	577	1	§	§	PROPN
cblr-1712	577	2	1692k(a	1692k(a	NUM
cblr-1712	577	3	)	)	PUNCT
cblr-1712	577	4	(	(	PUNCT
cblr-1712	577	5	2012	2012	NUM
cblr-1712	577	6	)	)	PUNCT
cblr-1712	577	7	.	.	PUNCT
cblr-1712	578	1	johnston	johnston	PROPN
cblr-1712	578	2	–	–	PUNCT
cblr-1712	578	3	final	final	ADJ
cblr-1712	578	4	no	no	NOUN
cblr-1712	578	5	.	.	NOUN
cblr-1712	578	6	1:1	1:1	NUM
cblr-1712	578	7	]	]	X
cblr-1712	578	8	high	high	ADJ
cblr-1712	578	9	cost	cost	NOUN
cblr-1712	578	10	,	,	PUNCT
cblr-1712	578	11	little	little	ADJ
cblr-1712	578	12	compensation	compensation	NOUN
cblr-1712	578	13	49	49	NUM
cblr-1712	578	14	collector	collector	NOUN
cblr-1712	578	15	’s	’s	PART
cblr-1712	578	16	net	net	ADJ
cblr-1712	578	17	worth.130	worth.130	NOUN
cblr-1712	578	18	the	the	DET
cblr-1712	578	19	fdcpa	fdcpa	NOUN
cblr-1712	578	20	,	,	PUNCT
cblr-1712	578	21	as	as	SCONJ
cblr-1712	578	22	amended	amend	VERB
cblr-1712	578	23	,	,	PUNCT
cblr-1712	578	24	includes	include	VERB
cblr-1712	578	25	six	six	NUM
cblr-1712	578	26	main	main	ADJ
cblr-1712	578	27	sections	section	NOUN
cblr-1712	578	28	that	that	PRON
cblr-1712	578	29	prohibit	prohibit	VERB
cblr-1712	578	30	a	a	DET
cblr-1712	578	31	variety	variety	NOUN
cblr-1712	578	32	of	of	ADP
cblr-1712	578	33	actions	action	NOUN
cblr-1712	578	34	by	by	ADP
cblr-1712	578	35	debt	debt	NOUN
cblr-1712	578	36	collectors	collector	NOUN
cblr-1712	578	37	.	.	PUNCT
cblr-1712	579	1	the	the	DET
cblr-1712	579	2	fdcpa	fdcpa	PROPN
cblr-1712	579	3	filings	filing	NOUN
cblr-1712	579	4	analyzed	analyze	VERB
cblr-1712	579	5	in	in	ADP
cblr-1712	579	6	this	this	DET
cblr-1712	579	7	article	article	NOUN
cblr-1712	579	8	can	can	AUX
cblr-1712	579	9	be	be	AUX
cblr-1712	579	10	organized	organize	VERB
cblr-1712	579	11	into	into	ADP
cblr-1712	579	12	several	several	ADJ
cblr-1712	579	13	functional	functional	ADJ
cblr-1712	579	14	categories	category	NOUN
cblr-1712	579	15	that	that	PRON
cblr-1712	579	16	cut	cut	VERB
cblr-1712	579	17	across	across	ADP
cblr-1712	579	18	these	these	DET
cblr-1712	579	19	statutory	statutory	ADJ
cblr-1712	579	20	provisions	provision	NOUN
cblr-1712	579	21	.	.	PUNCT
cblr-1712	580	1	a.	a.	NOUN
cblr-1712	580	2	formality	formality	NOUN
cblr-1712	580	3	failure	failure	NOUN
cblr-1712	580	4	the	the	DET
cblr-1712	580	5	fdcpa	fdcpa	NOUN
cblr-1712	580	6	imposes	impose	VERB
cblr-1712	580	7	a	a	DET
cblr-1712	580	8	number	number	NOUN
cblr-1712	580	9	of	of	ADP
cblr-1712	580	10	formal	formal	ADJ
cblr-1712	580	11	disclosure	disclosure	NOUN
cblr-1712	580	12	requirements	requirement	NOUN
cblr-1712	580	13	on	on	ADP
cblr-1712	580	14	debt	debt	NOUN
cblr-1712	580	15	collectors	collector	NOUN
cblr-1712	580	16	.	.	PUNCT
cblr-1712	581	1	the	the	DET
cblr-1712	581	2	most	most	ADV
cblr-1712	581	3	numerically	numerically	ADV
cblr-1712	581	4	important	important	ADJ
cblr-1712	581	5	cases	case	NOUN
cblr-1712	581	6	in	in	ADP
cblr-1712	581	7	the	the	DET
cblr-1712	581	8	illinois	illinois	PROPN
cblr-1712	581	9	data	datum	NOUN
cblr-1712	581	10	include	include	VERB
cblr-1712	581	11	those	those	PRON
cblr-1712	581	12	that	that	PRON
cblr-1712	581	13	allege	allege	VERB
cblr-1712	581	14	a	a	DET
cblr-1712	581	15	failure	failure	NOUN
cblr-1712	581	16	to	to	PART
cblr-1712	581	17	follow	follow	VERB
cblr-1712	581	18	one	one	NUM
cblr-1712	581	19	or	or	CCONJ
cblr-1712	581	20	more	more	ADJ
cblr-1712	581	21	of	of	ADP
cblr-1712	581	22	these	these	DET
cblr-1712	581	23	formalities	formality	NOUN
cblr-1712	581	24	,	,	PUNCT
cblr-1712	581	25	which	which	PRON
cblr-1712	581	26	make	make	VERB
cblr-1712	581	27	up	up	ADP
cblr-1712	581	28	50	50	NUM
cblr-1712	581	29	%	%	NOUN
cblr-1712	581	30	of	of	ADP
cblr-1712	581	31	all	all	DET
cblr-1712	581	32	fdcpa	fdcpa	NOUN
cblr-1712	581	33	filings	filing	NOUN
cblr-1712	581	34	(	(	PUNCT
cblr-1712	581	35	71	71	NUM
cblr-1712	581	36	out	out	ADP
cblr-1712	581	37	of	of	ADP
cblr-1712	581	38	141).131	141).131	NUM
cblr-1712	581	39	formality	formality	NOUN
cblr-1712	581	40	failures	failure	NOUN
cblr-1712	581	41	fall	fall	VERB
cblr-1712	581	42	into	into	ADP
cblr-1712	581	43	three	three	NUM
cblr-1712	581	44	distinct	distinct	ADJ
cblr-1712	581	45	sub	sub	NOUN
cblr-1712	581	46	-	-	NOUN
cblr-1712	581	47	categories	category	NOUN
cblr-1712	581	48	.	.	PUNCT
cblr-1712	582	1	the	the	DET
cblr-1712	582	2	first	first	ADJ
cblr-1712	582	3	type	type	NOUN
cblr-1712	582	4	,	,	PUNCT
cblr-1712	582	5	phone	phone	NOUN
cblr-1712	582	6	identification	identification	NOUN
cblr-1712	582	7	,	,	PUNCT
cblr-1712	582	8	describes	describe	VERB
cblr-1712	582	9	cases	case	NOUN
cblr-1712	582	10	where	where	SCONJ
cblr-1712	582	11	a	a	DET
cblr-1712	582	12	debt	debt	NOUN
cblr-1712	582	13	collector	collector	NOUN
cblr-1712	582	14	did	do	AUX
cblr-1712	582	15	not	not	PART
cblr-1712	582	16	properly	properly	ADV
cblr-1712	582	17	identify	identify	VERB
cblr-1712	582	18	himself	himself	PRON
cblr-1712	582	19	or	or	CCONJ
cblr-1712	582	20	herself	herself	PRON
cblr-1712	582	21	when	when	SCONJ
cblr-1712	582	22	contacting	contact	VERB
cblr-1712	582	23	the	the	DET
cblr-1712	582	24	debtor.132	debtor.132	NOUN
cblr-1712	582	25	these	these	DET
cblr-1712	582	26	cases	case	NOUN
cblr-1712	582	27	often	often	ADV
cblr-1712	582	28	involve	involve	VERB
cblr-1712	582	29	debt	debt	NOUN
cblr-1712	582	30	collectors	collector	NOUN
cblr-1712	582	31	leaving	leave	VERB
cblr-1712	582	32	phone	phone	NOUN
cblr-1712	582	33	messages	message	NOUN
cblr-1712	582	34	asking	ask	VERB
cblr-1712	582	35	the	the	DET
cblr-1712	582	36	consumer	consumer	NOUN
cblr-1712	582	37	to	to	PART
cblr-1712	582	38	call	call	VERB
cblr-1712	582	39	back	back	ADV
cblr-1712	582	40	without	without	ADP
cblr-1712	582	41	giving	give	VERB
cblr-1712	582	42	the	the	DET
cblr-1712	582	43	necessary	necessary	ADJ
cblr-1712	582	44	warning	warning	NOUN
cblr-1712	582	45	.	.	PUNCT
cblr-1712	583	1	the	the	DET
cblr-1712	583	2	second	second	ADJ
cblr-1712	583	3	type	type	NOUN
cblr-1712	583	4	of	of	ADP
cblr-1712	583	5	fdcpa	fdcpa	NOUN
cblr-1712	583	6	formality	formality	NOUN
cblr-1712	583	7	failure	failure	NOUN
cblr-1712	583	8	,	,	PUNCT
cblr-1712	583	9	a	a	DET
cblr-1712	583	10	letter	letter	NOUN
cblr-1712	583	11	notice	notice	NOUN
cblr-1712	583	12	,	,	PUNCT
cblr-1712	583	13	describes	describe	VERB
cblr-1712	583	14	cases	case	NOUN
cblr-1712	583	15	where	where	SCONJ
cblr-1712	583	16	a	a	DET
cblr-1712	583	17	debt	debt	NOUN
cblr-1712	583	18	collector	collector	NOUN
cblr-1712	583	19	sends	send	VERB
cblr-1712	583	20	a	a	DET
cblr-1712	583	21	letter	letter	NOUN
cblr-1712	583	22	notice	notice	NOUN
cblr-1712	583	23	to	to	ADP
cblr-1712	583	24	the	the	DET
cblr-1712	583	25	consumer	consumer	NOUN
cblr-1712	583	26	that	that	PRON
cblr-1712	583	27	violates	violate	VERB
cblr-1712	583	28	the	the	DET
cblr-1712	583	29	requirements	requirement	NOUN
cblr-1712	583	30	in	in	ADP
cblr-1712	583	31	15	15	NUM
cblr-1712	583	32	u.s.c	u.s.c	ADJ
cblr-1712	583	33	.	.	PUNCT
cblr-1712	584	1	§	§	PROPN
cblr-1712	584	2	1692	1692	NUM
cblr-1712	584	3	g.	g.	PROPN
cblr-1712	584	4	examples	example	NOUN
cblr-1712	584	5	of	of	ADP
cblr-1712	584	6	this	this	DET
cblr-1712	584	7	subcategory	subcategory	NOUN
cblr-1712	584	8	include	include	VERB
cblr-1712	584	9	letter	letter	NOUN
cblr-1712	584	10	notices	notice	VERB
cblr-1712	584	11	that	that	SCONJ
cblr-1712	584	12	(	(	PUNCT
cblr-1712	584	13	1	1	X
cblr-1712	584	14	)	)	PUNCT
cblr-1712	584	15	did	do	AUX
cblr-1712	584	16	not	not	PART
cblr-1712	584	17	provide	provide	VERB
cblr-1712	584	18	effective	effective	ADJ
cblr-1712	584	19	notice	notice	NOUN
cblr-1712	584	20	of	of	ADP
cblr-1712	584	21	the	the	DET
cblr-1712	584	22	30	30	NUM
cblr-1712	584	23	-	-	PUNCT
cblr-1712	584	24	day	day	NOUN
cblr-1712	584	25	verification	verification	NOUN
cblr-1712	584	26	period	period	NOUN
cblr-1712	584	27	,	,	PUNCT
cblr-1712	584	28	(	(	PUNCT
cblr-1712	584	29	2	2	X
cblr-1712	584	30	)	)	PUNCT
cblr-1712	584	31	failed	fail	VERB
cblr-1712	584	32	to	to	PART
cblr-1712	584	33	effectively	effectively	ADV
cblr-1712	584	34	identify	identify	VERB
cblr-1712	584	35	the	the	DET
cblr-1712	584	36	name	name	NOUN
cblr-1712	584	37	of	of	ADP
cblr-1712	584	38	the	the	DET
cblr-1712	584	39	creditor	creditor	NOUN
cblr-1712	584	40	,	,	PUNCT
cblr-1712	584	41	(	(	PUNCT
cblr-1712	584	42	3	3	X
cblr-1712	584	43	)	)	PUNCT
cblr-1712	584	44	failed	fail	VERB
cblr-1712	584	45	to	to	PART
cblr-1712	584	46	include	include	VERB
cblr-1712	584	47	that	that	SCONJ
cblr-1712	584	48	any	any	DET
cblr-1712	584	49	dispute	dispute	NOUN
cblr-1712	584	50	or	or	CCONJ
cblr-1712	584	51	request	request	NOUN
cblr-1712	584	52	for	for	ADP
cblr-1712	584	53	name	name	NOUN
cblr-1712	584	54	of	of	ADP
cblr-1712	584	55	the	the	DET
cblr-1712	584	56	original	original	ADJ
cblr-1712	584	57	creditor	creditor	NOUN
cblr-1712	584	58	must	must	AUX
cblr-1712	584	59	be	be	AUX
cblr-1712	584	60	in	in	ADP
cblr-1712	584	61	writing	writing	NOUN
cblr-1712	584	62	,	,	PUNCT
cblr-1712	584	63	and	and	CCONJ
cblr-1712	584	64	(	(	PUNCT
cblr-1712	584	65	4	4	X
cblr-1712	584	66	)	)	PUNCT
cblr-1712	584	67	failed	fail	VERB
cblr-1712	584	68	to	to	PART
cblr-1712	584	69	include	include	VERB
cblr-1712	584	70	the	the	DET
cblr-1712	584	71	principal	principal	NOUN
cblr-1712	584	72	and	and	CCONJ
cblr-1712	584	73	interest	interest	NOUN
cblr-1712	584	74	amounts	amount	NOUN
cblr-1712	584	75	,	,	PUNCT
cblr-1712	584	76	stating	state	VERB
cblr-1712	584	77	only	only	ADV
cblr-1712	584	78	the	the	DET
cblr-1712	584	79	total	total	ADJ
cblr-1712	584	80	amount	amount	NOUN
cblr-1712	584	81	due.133	due.133	ADV
cblr-1712	584	82	130	130	NUM
cblr-1712	584	83	§	§	PROPN
cblr-1712	584	84	1692k(a)(2)(b	1692k(a)(2)(b	NUM
cblr-1712	584	85	)	)	PUNCT
cblr-1712	584	86	.	.	PUNCT
cblr-1712	585	1	131	131	NUM
cblr-1712	585	2	the	the	DET
cblr-1712	585	3	denominator	denominator	NOUN
cblr-1712	585	4	is	be	AUX
cblr-1712	585	5	larger	large	ADJ
cblr-1712	585	6	than	than	ADP
cblr-1712	585	7	the	the	DET
cblr-1712	585	8	number	number	NOUN
cblr-1712	585	9	of	of	ADP
cblr-1712	585	10	actual	actual	ADJ
cblr-1712	585	11	fdcpa	fdcpa	NOUN
cblr-1712	585	12	filings	filing	NOUN
cblr-1712	585	13	because	because	SCONJ
cblr-1712	585	14	ten	ten	NUM
cblr-1712	585	15	fdcpa	fdcpa	NOUN
cblr-1712	585	16	cases	case	NOUN
cblr-1712	585	17	included	include	VERB
cblr-1712	585	18	alleged	alleged	ADJ
cblr-1712	585	19	violations	violation	NOUN
cblr-1712	585	20	in	in	ADP
cblr-1712	585	21	several	several	ADJ
cblr-1712	585	22	categories	category	NOUN
cblr-1712	585	23	.	.	PUNCT
cblr-1712	586	1	132	132	NUM
cblr-1712	586	2	the	the	DET
cblr-1712	586	3	failure	failure	NOUN
cblr-1712	586	4	by	by	ADP
cblr-1712	586	5	a	a	DET
cblr-1712	586	6	debt	debt	NOUN
cblr-1712	586	7	collector	collector	NOUN
cblr-1712	586	8	to	to	PART
cblr-1712	586	9	disclose	disclose	VERB
cblr-1712	586	10	in	in	ADP
cblr-1712	586	11	the	the	DET
cblr-1712	586	12	initial	initial	ADJ
cblr-1712	586	13	communication	communication	NOUN
cblr-1712	586	14	with	with	ADP
cblr-1712	586	15	the	the	DET
cblr-1712	586	16	consumer	consumer	NOUN
cblr-1712	586	17	that	that	PRON
cblr-1712	586	18	he	he	PRON
cblr-1712	586	19	or	or	CCONJ
cblr-1712	586	20	she	she	PRON
cblr-1712	586	21	is	be	AUX
cblr-1712	586	22	a	a	DET
cblr-1712	586	23	debt	debt	NOUN
cblr-1712	586	24	collector	collector	NOUN
cblr-1712	586	25	,	,	PUNCT
cblr-1712	586	26	that	that	SCONJ
cblr-1712	586	27	the	the	DET
cblr-1712	586	28	debt	debt	NOUN
cblr-1712	586	29	collector	collector	NOUN
cblr-1712	586	30	is	be	AUX
cblr-1712	586	31	attempting	attempt	VERB
cblr-1712	586	32	to	to	PART
cblr-1712	586	33	collect	collect	VERB
cblr-1712	586	34	a	a	DET
cblr-1712	586	35	debt	debt	NOUN
cblr-1712	586	36	,	,	PUNCT
cblr-1712	586	37	and	and	CCONJ
cblr-1712	586	38	that	that	SCONJ
cblr-1712	586	39	any	any	DET
cblr-1712	586	40	information	information	NOUN
cblr-1712	586	41	gathered	gather	VERB
cblr-1712	586	42	in	in	ADP
cblr-1712	586	43	the	the	DET
cblr-1712	586	44	communication	communication	NOUN
cblr-1712	586	45	will	will	AUX
cblr-1712	586	46	be	be	AUX
cblr-1712	586	47	used	use	VERB
cblr-1712	586	48	for	for	ADP
cblr-1712	586	49	that	that	DET
cblr-1712	586	50	purpose	purpose	NOUN
cblr-1712	586	51	,	,	PUNCT
cblr-1712	586	52	is	be	AUX
cblr-1712	586	53	in	in	ADP
cblr-1712	586	54	violation	violation	NOUN
cblr-1712	586	55	of	of	ADP
cblr-1712	586	56	15	15	NUM
cblr-1712	586	57	u.s.c	u.s.c	ADJ
cblr-1712	586	58	.	.	PUNCT
cblr-1712	587	1	§	§	PROPN
cblr-1712	587	2	1692e	1692e	NUM
cblr-1712	587	3	(	(	PUNCT
cblr-1712	587	4	2012	2012	NUM
cblr-1712	587	5	)	)	PUNCT
cblr-1712	587	6	.	.	PUNCT
cblr-1712	588	1	133	133	NUM
cblr-1712	588	2	see	see	VERB
cblr-1712	588	3	15	15	NUM
cblr-1712	588	4	u.s.c	u.s.c	ADJ
cblr-1712	588	5	.	.	PUNCT
cblr-1712	589	1	§	§	PROPN
cblr-1712	589	2	1692g(a	1692g(a	NUM
cblr-1712	589	3	)	)	PUNCT
cblr-1712	589	4	(	(	PUNCT
cblr-1712	589	5	2012	2012	NUM
cblr-1712	589	6	)	)	PUNCT
cblr-1712	589	7	.	.	PUNCT
cblr-1712	590	1	johnston	johnston	PROPN
cblr-1712	590	2	–	–	PUNCT
cblr-1712	590	3	final	final	ADJ
cblr-1712	590	4	50	50	NUM
cblr-1712	590	5	columbia	columbia	PROPN
cblr-1712	590	6	business	business	NOUN
cblr-1712	590	7	law	law	NOUN
cblr-1712	590	8	review	review	NOUN
cblr-1712	590	9	[	[	X
cblr-1712	590	10	vol	vol	NOUN
cblr-1712	590	11	.	.	NOUN
cblr-1712	590	12	2017	2017	NUM
cblr-1712	590	13	the	the	DET
cblr-1712	590	14	third	third	ADJ
cblr-1712	590	15	subcategory	subcategory	NOUN
cblr-1712	590	16	of	of	ADP
cblr-1712	590	17	fdcpa	fdcpa	PROPN
cblr-1712	590	18	formality	formality	NOUN
cblr-1712	590	19	violations	violation	NOUN
cblr-1712	590	20	describes	describe	VERB
cblr-1712	590	21	cases	case	NOUN
cblr-1712	590	22	in	in	ADP
cblr-1712	590	23	which	which	PRON
cblr-1712	590	24	a	a	DET
cblr-1712	590	25	debt	debt	NOUN
cblr-1712	590	26	collector	collector	NOUN
cblr-1712	590	27	violated	violate	VERB
cblr-1712	590	28	a	a	DET
cblr-1712	590	29	state	state	NOUN
cblr-1712	590	30	law	law	NOUN
cblr-1712	590	31	requirement	requirement	NOUN
cblr-1712	590	32	(	(	PUNCT
cblr-1712	590	33	“	"	PUNCT
cblr-1712	590	34	state	state	NOUN
cblr-1712	590	35	law	law	NOUN
cblr-1712	590	36	violations	violation	NOUN
cblr-1712	590	37	”	"	PUNCT
cblr-1712	590	38	)	)	PUNCT
cblr-1712	590	39	.	.	PUNCT
cblr-1712	591	1	most	most	ADV
cblr-1712	591	2	commonly	commonly	ADV
cblr-1712	591	3	,	,	PUNCT
cblr-1712	591	4	these	these	DET
cblr-1712	591	5	violations	violation	NOUN
cblr-1712	591	6	occur	occur	VERB
cblr-1712	591	7	when	when	SCONJ
cblr-1712	591	8	a	a	DET
cblr-1712	591	9	party	party	NOUN
cblr-1712	591	10	attempts	attempt	VERB
cblr-1712	591	11	to	to	PART
cblr-1712	591	12	collect	collect	VERB
cblr-1712	591	13	debt	debt	NOUN
cblr-1712	591	14	without	without	ADP
cblr-1712	591	15	being	be	AUX
cblr-1712	591	16	properly	properly	ADV
cblr-1712	591	17	licensed	license	VERB
cblr-1712	591	18	as	as	ADP
cblr-1712	591	19	a	a	DET
cblr-1712	591	20	collection	collection	NOUN
cblr-1712	591	21	agency	agency	NOUN
cblr-1712	591	22	under	under	ADP
cblr-1712	591	23	state	state	NOUN
cblr-1712	591	24	law.134	law.134	PROPN
cblr-1712	591	25	b.	b.	PROPN
cblr-1712	591	26	bad	bad	ADJ
cblr-1712	591	27	debt	debt	NOUN
cblr-1712	591	28	bad	bad	ADJ
cblr-1712	591	29	debt	debt	NOUN
cblr-1712	591	30	cases	case	NOUN
cblr-1712	591	31	comprise	comprise	VERB
cblr-1712	591	32	the	the	DET
cblr-1712	591	33	second	second	ADV
cblr-1712	591	34	-	-	PUNCT
cblr-1712	591	35	highest	high	ADJ
cblr-1712	591	36	number	number	NOUN
cblr-1712	591	37	of	of	ADP
cblr-1712	591	38	fdcpa	fdcpa	NOUN
cblr-1712	591	39	filings	filing	NOUN
cblr-1712	591	40	in	in	ADP
cblr-1712	591	41	the	the	DET
cblr-1712	591	42	illinois	illinois	PROPN
cblr-1712	591	43	data	datum	NOUN
cblr-1712	591	44	(	(	PUNCT
cblr-1712	591	45	39	39	NUM
cblr-1712	591	46	of	of	ADP
cblr-1712	591	47	141	141	NUM
cblr-1712	591	48	,	,	PUNCT
cblr-1712	591	49	or	or	CCONJ
cblr-1712	591	50	28	28	NUM
cblr-1712	591	51	%	%	NOUN
cblr-1712	591	52	)	)	PUNCT
cblr-1712	591	53	.	.	PUNCT
cblr-1712	592	1	these	these	DET
cblr-1712	592	2	cases	case	NOUN
cblr-1712	592	3	can	can	AUX
cblr-1712	592	4	be	be	AUX
cblr-1712	592	5	broken	break	VERB
cblr-1712	592	6	down	down	ADP
cblr-1712	592	7	into	into	ADP
cblr-1712	592	8	three	three	NUM
cblr-1712	592	9	sub	sub	NOUN
cblr-1712	592	10	-	-	NOUN
cblr-1712	592	11	categories	category	NOUN
cblr-1712	592	12	.	.	PUNCT
cblr-1712	593	1	the	the	DET
cblr-1712	593	2	first	first	ADJ
cblr-1712	593	3	,	,	PUNCT
cblr-1712	593	4	bad	bad	ADJ
cblr-1712	593	5	debt	debt	NOUN
cblr-1712	593	6	interest	interest	NOUN
cblr-1712	593	7	,	,	PUNCT
cblr-1712	593	8	describes	describe	VERB
cblr-1712	593	9	cases	case	NOUN
cblr-1712	593	10	in	in	ADP
cblr-1712	593	11	which	which	PRON
cblr-1712	593	12	a	a	DET
cblr-1712	593	13	party	party	NOUN
cblr-1712	593	14	impermissibly	impermissibly	ADV
cblr-1712	593	15	adds	add	VERB
cblr-1712	593	16	interest	interest	NOUN
cblr-1712	593	17	to	to	ADP
cblr-1712	593	18	the	the	DET
cblr-1712	593	19	debt	debt	NOUN
cblr-1712	593	20	principal	principal	NOUN
cblr-1712	593	21	.	.	PUNCT
cblr-1712	594	1	in	in	ADP
cblr-1712	594	2	the	the	DET
cblr-1712	594	3	typical	typical	ADJ
cblr-1712	594	4	case	case	NOUN
cblr-1712	594	5	,	,	PUNCT
cblr-1712	594	6	a	a	DET
cblr-1712	594	7	debt	debt	NOUN
cblr-1712	594	8	purchaser	purchaser	NOUN
cblr-1712	594	9	retroactively	retroactively	ADV
cblr-1712	594	10	adds	add	VERB
cblr-1712	594	11	interest	interest	NOUN
cblr-1712	594	12	that	that	PRON
cblr-1712	594	13	should	should	AUX
cblr-1712	594	14	have	have	AUX
cblr-1712	594	15	accrued	accrue	VERB
cblr-1712	594	16	before	before	ADP
cblr-1712	594	17	the	the	DET
cblr-1712	594	18	purchase	purchase	NOUN
cblr-1712	594	19	,	,	PUNCT
cblr-1712	594	20	despite	despite	SCONJ
cblr-1712	594	21	the	the	DET
cblr-1712	594	22	original	original	ADJ
cblr-1712	594	23	creditor	creditor	NOUN
cblr-1712	594	24	’s	’s	PART
cblr-1712	594	25	refusal	refusal	NOUN
cblr-1712	594	26	to	to	PART
cblr-1712	594	27	do	do	AUX
cblr-1712	594	28	so.135	so.135	NOUN
cblr-1712	594	29	the	the	DET
cblr-1712	594	30	second	second	ADJ
cblr-1712	594	31	subcategory	subcategory	NOUN
cblr-1712	594	32	of	of	ADP
cblr-1712	594	33	bad	bad	ADJ
cblr-1712	594	34	debt	debt	NOUN
cblr-1712	594	35	filing	filing	NOUN
cblr-1712	594	36	,	,	PUNCT
cblr-1712	594	37	time	time	NOUN
cblr-1712	594	38	-	-	PUNCT
cblr-1712	594	39	barred	bar	VERB
cblr-1712	594	40	,	,	PUNCT
cblr-1712	594	41	refers	refer	VERB
cblr-1712	594	42	to	to	ADP
cblr-1712	594	43	cases	case	NOUN
cblr-1712	594	44	in	in	ADP
cblr-1712	594	45	which	which	PRON
cblr-1712	594	46	a	a	DET
cblr-1712	594	47	debt	debt	NOUN
cblr-1712	594	48	collector	collector	NOUN
cblr-1712	594	49	attempts	attempt	VERB
cblr-1712	594	50	to	to	PART
cblr-1712	594	51	collect	collect	VERB
cblr-1712	594	52	a	a	DET
cblr-1712	594	53	debt	debt	NOUN
cblr-1712	594	54	after	after	ADP
cblr-1712	594	55	the	the	DET
cblr-1712	594	56	date	date	NOUN
cblr-1712	594	57	that	that	PRON
cblr-1712	594	58	it	it	PRON
cblr-1712	594	59	is	be	AUX
cblr-1712	594	60	no	no	ADV
cblr-1712	594	61	longer	long	ADV
cblr-1712	594	62	collectable.136	collectable.136	VERB
cblr-1712	594	63	the	the	DET
cblr-1712	594	64	last	last	ADJ
cblr-1712	594	65	bad	bad	ADJ
cblr-1712	594	66	debt	debt	NOUN
cblr-1712	594	67	subcategory	subcategory	NOUN
cblr-1712	594	68	,	,	PUNCT
cblr-1712	594	69	bad	bad	ADJ
cblr-1712	594	70	affidavit	affidavit	NOUN
cblr-1712	594	71	,	,	PUNCT
cblr-1712	594	72	describes	describe	VERB
cblr-1712	594	73	cases	case	NOUN
cblr-1712	594	74	in	in	ADP
cblr-1712	594	75	which	which	PRON
cblr-1712	594	76	a	a	DET
cblr-1712	594	77	debt	debt	NOUN
cblr-1712	594	78	purchaser	purchaser	NOUN
cblr-1712	594	79	provides	provide	VERB
cblr-1712	594	80	a	a	DET
cblr-1712	594	81	fraudulent	fraudulent	ADJ
cblr-1712	594	82	affidavit	affidavit	NOUN
cblr-1712	594	83	to	to	ADP
cblr-1712	594	84	consumers	consumer	NOUN
cblr-1712	594	85	in	in	ADP
cblr-1712	594	86	violation	violation	NOUN
cblr-1712	594	87	of	of	ADP
cblr-1712	594	88	15	15	NUM
cblr-1712	594	89	u.s.c	u.s.c	ADJ
cblr-1712	594	90	.	.	PUNCT
cblr-1712	595	1	§	§	PROPN
cblr-1712	595	2	1692e	1692e	NUM
cblr-1712	595	3	.	.	PUNCT
cblr-1712	596	1	in	in	ADP
cblr-1712	596	2	the	the	DET
cblr-1712	596	3	typical	typical	ADJ
cblr-1712	596	4	case	case	NOUN
cblr-1712	596	5	,	,	PUNCT
cblr-1712	596	6	the	the	DET
cblr-1712	596	7	purchaser	purchaser	NOUN
cblr-1712	596	8	falsely	falsely	ADV
cblr-1712	596	9	represents	represent	VERB
cblr-1712	596	10	to	to	ADP
cblr-1712	596	11	134	134	NUM
cblr-1712	596	12	these	these	DET
cblr-1712	596	13	cases	case	NOUN
cblr-1712	596	14	alleged	allege	VERB
cblr-1712	596	15	that	that	SCONJ
cblr-1712	596	16	engaging	engage	VERB
cblr-1712	596	17	in	in	ADP
cblr-1712	596	18	this	this	DET
cblr-1712	596	19	action	action	NOUN
cblr-1712	596	20	constituted	constitute	VERB
cblr-1712	596	21	a	a	DET
cblr-1712	596	22	false	false	ADJ
cblr-1712	596	23	,	,	PUNCT
cblr-1712	596	24	deceptive	deceptive	ADJ
cblr-1712	596	25	,	,	PUNCT
cblr-1712	596	26	or	or	CCONJ
cblr-1712	596	27	misleading	mislead	VERB
cblr-1712	596	28	representation	representation	NOUN
cblr-1712	596	29	or	or	CCONJ
cblr-1712	596	30	means	mean	NOUN
cblr-1712	596	31	in	in	ADP
cblr-1712	596	32	connection	connection	NOUN
cblr-1712	596	33	with	with	ADP
cblr-1712	596	34	the	the	DET
cblr-1712	596	35	collection	collection	NOUN
cblr-1712	596	36	of	of	ADP
cblr-1712	596	37	any	any	DET
cblr-1712	596	38	debt	debt	NOUN
cblr-1712	596	39	under	under	ADP
cblr-1712	596	40	15	15	NUM
cblr-1712	596	41	u.s.c	u.s.c	ADJ
cblr-1712	596	42	.	.	PUNCT
cblr-1712	597	1	§	§	PROPN
cblr-1712	597	2	1692e	1692e	NUM
cblr-1712	597	3	(	(	PUNCT
cblr-1712	597	4	2012	2012	NUM
cblr-1712	597	5	)	)	PUNCT
cblr-1712	597	6	.	.	PUNCT
cblr-1712	598	1	135	135	NUM
cblr-1712	598	2	the	the	DET
cblr-1712	598	3	fdcpa	fdcpa	NOUN
cblr-1712	598	4	prohibits	prohibit	VERB
cblr-1712	598	5	the	the	DET
cblr-1712	598	6	use	use	NOUN
cblr-1712	598	7	of	of	ADP
cblr-1712	598	8	“	"	PUNCT
cblr-1712	598	9	unfair	unfair	ADJ
cblr-1712	598	10	or	or	CCONJ
cblr-1712	598	11	unconscionable	unconscionable	ADJ
cblr-1712	598	12	means	mean	NOUN
cblr-1712	598	13	to	to	PART
cblr-1712	598	14	collect	collect	VERB
cblr-1712	598	15	or	or	CCONJ
cblr-1712	598	16	attempt	attempt	VERB
cblr-1712	598	17	to	to	PART
cblr-1712	598	18	collect	collect	VERB
cblr-1712	598	19	any	any	DET
cblr-1712	598	20	debt	debt	NOUN
cblr-1712	598	21	,	,	PUNCT
cblr-1712	598	22	”	"	PUNCT
cblr-1712	598	23	including	include	VERB
cblr-1712	598	24	“	"	PUNCT
cblr-1712	598	25	[	[	X
cblr-1712	598	26	t]he	t]he	X
cblr-1712	598	27	collection	collection	NOUN
cblr-1712	598	28	of	of	ADP
cblr-1712	598	29	any	any	DET
cblr-1712	598	30	amount	amount	NOUN
cblr-1712	598	31	(	(	PUNCT
cblr-1712	598	32	including	include	VERB
cblr-1712	598	33	any	any	DET
cblr-1712	598	34	interest	interest	NOUN
cblr-1712	598	35	,	,	PUNCT
cblr-1712	598	36	fee	fee	NOUN
cblr-1712	598	37	,	,	PUNCT
cblr-1712	598	38	charge	charge	NOUN
cblr-1712	598	39	,	,	PUNCT
cblr-1712	598	40	or	or	CCONJ
cblr-1712	598	41	expense	expense	NOUN
cblr-1712	598	42	incidental	incidental	ADJ
cblr-1712	598	43	to	to	ADP
cblr-1712	598	44	the	the	DET
cblr-1712	598	45	principal	principal	ADJ
cblr-1712	598	46	obligation	obligation	NOUN
cblr-1712	598	47	)	)	PUNCT
cblr-1712	598	48	unless	unless	SCONJ
cblr-1712	598	49	such	such	ADJ
cblr-1712	598	50	amount	amount	NOUN
cblr-1712	598	51	is	be	AUX
cblr-1712	598	52	expressly	expressly	ADV
cblr-1712	598	53	authorized	authorize	VERB
cblr-1712	598	54	by	by	ADP
cblr-1712	598	55	the	the	DET
cblr-1712	598	56	agreement	agreement	NOUN
cblr-1712	598	57	creating	create	VERB
cblr-1712	598	58	the	the	DET
cblr-1712	598	59	debt	debt	NOUN
cblr-1712	598	60	or	or	CCONJ
cblr-1712	598	61	permitted	permit	VERB
cblr-1712	598	62	by	by	ADP
cblr-1712	598	63	law	law	NOUN
cblr-1712	598	64	.	.	PUNCT
cblr-1712	598	65	”	"	PUNCT
cblr-1712	599	1	15	15	NUM
cblr-1712	599	2	u.s.c	u.s.c	NOUN
cblr-1712	599	3	.	.	PUNCT
cblr-1712	600	1	§	§	PROPN
cblr-1712	600	2	1692f	1692f	NUM
cblr-1712	600	3	(	(	PUNCT
cblr-1712	600	4	2012	2012	NUM
cblr-1712	600	5	)	)	PUNCT
cblr-1712	600	6	.	.	PUNCT
cblr-1712	601	1	as	as	ADP
cblr-1712	601	2	such	such	ADJ
cblr-1712	601	3	,	,	PUNCT
cblr-1712	601	4	any	any	DET
cblr-1712	601	5	addition	addition	NOUN
cblr-1712	601	6	of	of	ADP
cblr-1712	601	7	interest	interest	NOUN
cblr-1712	601	8	to	to	ADP
cblr-1712	601	9	the	the	DET
cblr-1712	601	10	debt	debt	NOUN
cblr-1712	601	11	outside	outside	ADP
cblr-1712	601	12	of	of	ADP
cblr-1712	601	13	the	the	DET
cblr-1712	601	14	original	original	ADJ
cblr-1712	601	15	agreement	agreement	NOUN
cblr-1712	601	16	creating	create	VERB
cblr-1712	601	17	the	the	DET
cblr-1712	601	18	debt	debt	NOUN
cblr-1712	601	19	is	be	AUX
cblr-1712	601	20	a	a	DET
cblr-1712	601	21	possible	possible	ADJ
cblr-1712	601	22	violation	violation	NOUN
cblr-1712	601	23	.	.	PUNCT
cblr-1712	602	1	136	136	NUM
cblr-1712	602	2	the	the	DET
cblr-1712	602	3	fdcpa	fdcpa	PROPN
cblr-1712	602	4	prohibits	prohibit	VERB
cblr-1712	602	5	a	a	DET
cblr-1712	602	6	debt	debt	NOUN
cblr-1712	602	7	collector	collector	NOUN
cblr-1712	602	8	from	from	ADP
cblr-1712	602	9	using	use	VERB
cblr-1712	602	10	any	any	DET
cblr-1712	602	11	unfair	unfair	ADJ
cblr-1712	602	12	or	or	CCONJ
cblr-1712	602	13	unconscionable	unconscionable	ADJ
cblr-1712	602	14	means	mean	NOUN
cblr-1712	602	15	to	to	PART
cblr-1712	602	16	collect	collect	VERB
cblr-1712	602	17	or	or	CCONJ
cblr-1712	602	18	attempt	attempt	VERB
cblr-1712	602	19	to	to	PART
cblr-1712	602	20	collect	collect	VERB
cblr-1712	602	21	a	a	DET
cblr-1712	602	22	debt	debt	NOUN
cblr-1712	602	23	.	.	PUNCT
cblr-1712	603	1	attempting	attempt	VERB
cblr-1712	603	2	to	to	PART
cblr-1712	603	3	collect	collect	VERB
cblr-1712	603	4	a	a	DET
cblr-1712	603	5	debt	debt	NOUN
cblr-1712	603	6	that	that	PRON
cblr-1712	603	7	is	be	AUX
cblr-1712	603	8	time	time	NOUN
cblr-1712	603	9	-	-	PUNCT
cblr-1712	603	10	barred	bar	VERB
cblr-1712	603	11	,	,	PUNCT
cblr-1712	603	12	or	or	CCONJ
cblr-1712	603	13	,	,	PUNCT
cblr-1712	603	14	in	in	ADP
cblr-1712	603	15	the	the	DET
cblr-1712	603	16	alternative	alternative	NOUN
cblr-1712	603	17	,	,	PUNCT
cblr-1712	603	18	wrongly	wrongly	ADV
cblr-1712	603	19	indicating	indicate	VERB
cblr-1712	603	20	that	that	SCONJ
cblr-1712	603	21	a	a	DET
cblr-1712	603	22	debt	debt	NOUN
cblr-1712	603	23	is	be	AUX
cblr-1712	603	24	time	time	NOUN
cblr-1712	603	25	–	–	PUNCT
cblr-1712	603	26	barred	bar	VERB
cblr-1712	603	27	,	,	PUNCT
cblr-1712	603	28	is	be	AUX
cblr-1712	603	29	an	an	DET
cblr-1712	603	30	unfair	unfair	ADJ
cblr-1712	603	31	or	or	CCONJ
cblr-1712	603	32	unconscionable	unconscionable	ADJ
cblr-1712	603	33	means	mean	NOUN
cblr-1712	603	34	to	to	PART
cblr-1712	603	35	collect	collect	VERB
cblr-1712	603	36	a	a	DET
cblr-1712	603	37	debt	debt	NOUN
cblr-1712	603	38	.	.	PUNCT
cblr-1712	604	1	i	i	PRON
cblr-1712	604	2	d.	d.	PROPN
cblr-1712	604	3	johnston	johnston	PROPN
cblr-1712	604	4	–	–	PUNCT
cblr-1712	604	5	final	final	ADJ
cblr-1712	604	6	no	no	NOUN
cblr-1712	604	7	.	.	NOUN
cblr-1712	604	8	1:1	1:1	NUM
cblr-1712	604	9	]	]	X
cblr-1712	604	10	high	high	ADJ
cblr-1712	604	11	cost	cost	NOUN
cblr-1712	604	12	,	,	PUNCT
cblr-1712	604	13	little	little	ADJ
cblr-1712	604	14	compensation	compensation	NOUN
cblr-1712	604	15	51	51	NUM
cblr-1712	604	16	consumers	consumer	NOUN
cblr-1712	604	17	that	that	SCONJ
cblr-1712	604	18	it	it	PRON
cblr-1712	604	19	could	could	AUX
cblr-1712	604	20	prove	prove	VERB
cblr-1712	604	21	the	the	DET
cblr-1712	604	22	debt	debt	NOUN
cblr-1712	604	23	.	.	PUNCT
cblr-1712	605	1	oftentimes	oftentime	NOUN
cblr-1712	605	2	,	,	PUNCT
cblr-1712	605	3	the	the	DET
cblr-1712	605	4	purchaser	purchaser	NOUN
cblr-1712	605	5	conceals	conceal	VERB
cblr-1712	605	6	documents	document	NOUN
cblr-1712	605	7	containing	contain	VERB
cblr-1712	605	8	express	express	ADJ
cblr-1712	605	9	disclaimers	disclaimer	NOUN
cblr-1712	605	10	about	about	ADP
cblr-1712	605	11	the	the	DET
cblr-1712	605	12	enforceability	enforceability	NOUN
cblr-1712	605	13	and	and	CCONJ
cblr-1712	605	14	validity	validity	NOUN
cblr-1712	605	15	of	of	ADP
cblr-1712	605	16	the	the	DET
cblr-1712	605	17	debt	debt	NOUN
cblr-1712	605	18	(	(	PUNCT
cblr-1712	605	19	“	"	PUNCT
cblr-1712	605	20	as	as	SCONJ
cblr-1712	605	21	is	be	AUX
cblr-1712	605	22	”	"	PUNCT
cblr-1712	605	23	clauses	clause	NOUN
cblr-1712	605	24	)	)	PUNCT
cblr-1712	605	25	.	.	PUNCT
cblr-1712	606	1	other	other	ADJ
cblr-1712	606	2	cases	case	NOUN
cblr-1712	606	3	involving	involve	VERB
cblr-1712	606	4	fraudulent	fraudulent	ADJ
cblr-1712	606	5	affidavits	affidavit	NOUN
cblr-1712	606	6	include	include	VERB
cblr-1712	606	7	the	the	DET
cblr-1712	606	8	impermissible	impermissible	ADJ
cblr-1712	606	9	modification	modification	NOUN
cblr-1712	606	10	of	of	ADP
cblr-1712	606	11	an	an	DET
cblr-1712	606	12	affidavit	affidavit	NOUN
cblr-1712	606	13	after	after	SCONJ
cblr-1712	606	14	the	the	DET
cblr-1712	606	15	affiant	affiant	NOUN
cblr-1712	606	16	signed	sign	VERB
cblr-1712	606	17	it	it	PRON
cblr-1712	606	18	.	.	PUNCT
cblr-1712	607	1	c.	c.	PROPN
cblr-1712	607	2	litigation	litigation	PROPN
cblr-1712	607	3	threat	threat	NOUN
cblr-1712	607	4	a	a	DET
cblr-1712	607	5	relatively	relatively	ADV
cblr-1712	607	6	small	small	ADJ
cblr-1712	607	7	fraction	fraction	NOUN
cblr-1712	607	8	(	(	PUNCT
cblr-1712	607	9	7	7	NUM
cblr-1712	607	10	out	out	ADP
cblr-1712	607	11	of	of	ADP
cblr-1712	607	12	141	141	NUM
cblr-1712	607	13	,	,	PUNCT
cblr-1712	607	14	or	or	CCONJ
cblr-1712	607	15	5	5	NUM
cblr-1712	607	16	%	%	NOUN
cblr-1712	607	17	)	)	PUNCT
cblr-1712	607	18	were	be	AUX
cblr-1712	607	19	based	base	VERB
cblr-1712	607	20	on	on	ADP
cblr-1712	607	21	an	an	DET
cblr-1712	607	22	alleged	alleged	ADJ
cblr-1712	607	23	threat	threat	NOUN
cblr-1712	607	24	by	by	ADP
cblr-1712	607	25	the	the	DET
cblr-1712	607	26	debt	debt	NOUN
cblr-1712	607	27	collector	collector	NOUN
cblr-1712	607	28	that	that	SCONJ
cblr-1712	607	29	it	it	PRON
cblr-1712	607	30	would	would	AUX
cblr-1712	607	31	take	take	VERB
cblr-1712	607	32	legal	legal	ADJ
cblr-1712	607	33	action	action	NOUN
cblr-1712	607	34	against	against	ADP
cblr-1712	607	35	the	the	DET
cblr-1712	607	36	consumer	consumer	NOUN
cblr-1712	607	37	if	if	SCONJ
cblr-1712	607	38	the	the	DET
cblr-1712	607	39	debt	debt	NOUN
cblr-1712	607	40	was	be	AUX
cblr-1712	607	41	not	not	PART
cblr-1712	607	42	paid	pay	VERB
cblr-1712	607	43	off	off	ADP
cblr-1712	607	44	,	,	PUNCT
cblr-1712	607	45	despite	despite	SCONJ
cblr-1712	607	46	the	the	DET
cblr-1712	607	47	fact	fact	NOUN
cblr-1712	607	48	that	that	SCONJ
cblr-1712	607	49	legal	legal	ADJ
cblr-1712	607	50	action	action	NOUN
cblr-1712	607	51	would	would	AUX
cblr-1712	607	52	not	not	PART
cblr-1712	607	53	be	be	AUX
cblr-1712	607	54	taken	take	VERB
cblr-1712	607	55	.	.	PUNCT
cblr-1712	608	1	often	often	ADV
cblr-1712	608	2	,	,	PUNCT
cblr-1712	608	3	these	these	DET
cblr-1712	608	4	cases	case	NOUN
cblr-1712	608	5	involved	involve	VERB
cblr-1712	608	6	debt	debt	NOUN
cblr-1712	608	7	collectors	collector	NOUN
cblr-1712	608	8	who	who	PRON
cblr-1712	608	9	routinely	routinely	ADV
cblr-1712	608	10	do	do	AUX
cblr-1712	608	11	not	not	PART
cblr-1712	608	12	file	file	VERB
cblr-1712	608	13	suit	suit	NOUN
cblr-1712	608	14	to	to	PART
cblr-1712	608	15	collect	collect	VERB
cblr-1712	608	16	on	on	ADP
cblr-1712	608	17	small	small	ADJ
cblr-1712	608	18	debts	debt	NOUN
cblr-1712	608	19	yet	yet	ADV
cblr-1712	608	20	represented	represent	VERB
cblr-1712	608	21	to	to	ADP
cblr-1712	608	22	the	the	DET
cblr-1712	608	23	consumer	consumer	NOUN
cblr-1712	608	24	that	that	PRON
cblr-1712	608	25	they	they	PRON
cblr-1712	608	26	would	would	AUX
cblr-1712	608	27	do	do	VERB
cblr-1712	608	28	so	so	ADV
cblr-1712	608	29	.	.	PUNCT
cblr-1712	609	1	under	under	ADP
cblr-1712	609	2	15	15	NUM
cblr-1712	609	3	u.s.c	u.s.c	ADJ
cblr-1712	609	4	.	.	PUNCT
cblr-1712	610	1	§	§	PROPN
cblr-1712	610	2	1692e	1692e	NUM
cblr-1712	610	3	,	,	PUNCT
cblr-1712	610	4	a	a	DET
cblr-1712	610	5	debt	debt	NOUN
cblr-1712	610	6	collector	collector	NOUN
cblr-1712	610	7	may	may	AUX
cblr-1712	610	8	not	not	PART
cblr-1712	610	9	use	use	VERB
cblr-1712	610	10	any	any	DET
cblr-1712	610	11	false	false	ADJ
cblr-1712	610	12	,	,	PUNCT
cblr-1712	610	13	deceptive	deceptive	ADJ
cblr-1712	610	14	,	,	PUNCT
cblr-1712	610	15	or	or	CCONJ
cblr-1712	610	16	misleading	mislead	VERB
cblr-1712	610	17	representation	representation	NOUN
cblr-1712	610	18	or	or	CCONJ
cblr-1712	610	19	means	mean	NOUN
cblr-1712	610	20	in	in	ADP
cblr-1712	610	21	connection	connection	NOUN
cblr-1712	610	22	with	with	ADP
cblr-1712	610	23	the	the	DET
cblr-1712	610	24	collection	collection	NOUN
cblr-1712	610	25	of	of	ADP
cblr-1712	610	26	any	any	DET
cblr-1712	610	27	debt	debt	NOUN
cblr-1712	610	28	.	.	PUNCT
cblr-1712	611	1	this	this	PRON
cblr-1712	611	2	includes	include	VERB
cblr-1712	611	3	the	the	DET
cblr-1712	611	4	threat	threat	NOUN
cblr-1712	611	5	to	to	PART
cblr-1712	611	6	take	take	VERB
cblr-1712	611	7	any	any	DET
cblr-1712	611	8	action	action	NOUN
cblr-1712	611	9	that	that	PRON
cblr-1712	611	10	the	the	DET
cblr-1712	611	11	debt	debt	NOUN
cblr-1712	611	12	collector	collector	NOUN
cblr-1712	611	13	can	can	AUX
cblr-1712	611	14	not	not	PART
cblr-1712	611	15	legally	legally	ADV
cblr-1712	611	16	take	take	VERB
cblr-1712	611	17	or	or	CCONJ
cblr-1712	611	18	does	do	AUX
cblr-1712	611	19	not	not	PART
cblr-1712	611	20	intend	intend	VERB
cblr-1712	611	21	to	to	ADP
cblr-1712	611	22	take.137	take.137	PROPN
cblr-1712	611	23	d.	d.	PROPN
cblr-1712	611	24	harassment	harassment	NOUN
cblr-1712	611	25	the	the	DET
cblr-1712	611	26	final	final	ADJ
cblr-1712	611	27	fdcpa	fdcpa	NOUN
cblr-1712	611	28	category	category	NOUN
cblr-1712	611	29	,	,	PUNCT
cblr-1712	611	30	called	call	VERB
cblr-1712	611	31	harassment	harassment	NOUN
cblr-1712	611	32	,	,	PUNCT
cblr-1712	611	33	includes	include	VERB
cblr-1712	611	34	cases	case	NOUN
cblr-1712	611	35	alleging	allege	VERB
cblr-1712	611	36	egregious	egregious	ADJ
cblr-1712	611	37	behavior	behavior	NOUN
cblr-1712	611	38	by	by	ADP
cblr-1712	611	39	the	the	DET
cblr-1712	611	40	party	party	NOUN
cblr-1712	611	41	attempting	attempt	VERB
cblr-1712	611	42	to	to	PART
cblr-1712	611	43	collect	collect	VERB
cblr-1712	611	44	the	the	DET
cblr-1712	611	45	debt	debt	NOUN
cblr-1712	611	46	.	.	PUNCT
cblr-1712	612	1	for	for	ADP
cblr-1712	612	2	example	example	NOUN
cblr-1712	612	3	,	,	PUNCT
cblr-1712	612	4	a	a	DET
cblr-1712	612	5	debt	debt	NOUN
cblr-1712	612	6	collector	collector	NOUN
cblr-1712	612	7	might	might	AUX
cblr-1712	612	8	repeatedly	repeatedly	ADV
cblr-1712	612	9	and	and	CCONJ
cblr-1712	612	10	continuously	continuously	ADV
cblr-1712	612	11	call	call	VERB
cblr-1712	612	12	a	a	DET
cblr-1712	612	13	consumer	consumer	NOUN
cblr-1712	612	14	without	without	ADP
cblr-1712	612	15	prior	prior	ADJ
cblr-1712	612	16	authorization	authorization	NOUN
cblr-1712	612	17	to	to	PART
cblr-1712	612	18	do	do	VERB
cblr-1712	612	19	so	so	ADV
cblr-1712	612	20	and	and	CCONJ
cblr-1712	612	21	with	with	ADP
cblr-1712	612	22	intent	intent	NOUN
cblr-1712	612	23	to	to	PART
cblr-1712	612	24	annoy	annoy	VERB
cblr-1712	612	25	,	,	PUNCT
cblr-1712	612	26	abuse	abuse	NOUN
cblr-1712	612	27	,	,	PUNCT
cblr-1712	612	28	or	or	CCONJ
cblr-1712	612	29	harass	harass	VERB
cblr-1712	612	30	.	.	PUNCT
cblr-1712	613	1	the	the	DET
cblr-1712	613	2	debt	debt	NOUN
cblr-1712	613	3	collector	collector	NOUN
cblr-1712	613	4	might	might	AUX
cblr-1712	613	5	also	also	ADV
cblr-1712	613	6	attempt	attempt	VERB
cblr-1712	613	7	to	to	PART
cblr-1712	613	8	embarrass	embarrass	VERB
cblr-1712	613	9	the	the	DET
cblr-1712	613	10	consumer	consumer	NOUN
cblr-1712	613	11	by	by	ADP
cblr-1712	613	12	calling	call	VERB
cblr-1712	613	13	third	third	ADJ
cblr-1712	613	14	parties	party	NOUN
cblr-1712	613	15	related	relate	VERB
cblr-1712	613	16	to	to	ADP
cblr-1712	613	17	the	the	DET
cblr-1712	613	18	consumer	consumer	NOUN
cblr-1712	613	19	,	,	PUNCT
cblr-1712	613	20	often	often	ADV
cblr-1712	613	21	using	use	VERB
cblr-1712	613	22	inappropriate	inappropriate	ADJ
cblr-1712	613	23	methods	method	NOUN
cblr-1712	613	24	such	such	ADJ
cblr-1712	613	25	as	as	ADP
cblr-1712	613	26	autodial	autodial	ADJ
cblr-1712	613	27	and	and	CCONJ
cblr-1712	613	28	pre	pre	ADJ
cblr-1712	613	29	-	-	ADJ
cblr-1712	613	30	recorded	recorded	ADJ
cblr-1712	613	31	messages	message	NOUN
cblr-1712	613	32	.	.	PUNCT
cblr-1712	614	1	some	some	PRON
cblr-1712	614	2	of	of	ADP
cblr-1712	614	3	these	these	DET
cblr-1712	614	4	cases	case	NOUN
cblr-1712	614	5	involved	involve	VERB
cblr-1712	614	6	debts	debt	NOUN
cblr-1712	614	7	the	the	DET
cblr-1712	614	8	consumer	consumer	NOUN
cblr-1712	614	9	did	do	AUX
cblr-1712	614	10	not	not	PART
cblr-1712	614	11	owe.138	owe.138	VERB
cblr-1712	614	12	there	there	PRON
cblr-1712	614	13	were	be	VERB
cblr-1712	614	14	sixteen	sixteen	NUM
cblr-1712	614	15	cases	case	NOUN
cblr-1712	614	16	in	in	ADP
cblr-1712	614	17	the	the	DET
cblr-1712	614	18	harassment	harassment	NOUN
cblr-1712	614	19	category	category	NOUN
cblr-1712	614	20	(	(	PUNCT
cblr-1712	614	21	11	11	NUM
cblr-1712	614	22	%	%	NOUN
cblr-1712	614	23	of	of	ADP
cblr-1712	614	24	all	all	DET
cblr-1712	614	25	fdcpa	fdcpa	NOUN
cblr-1712	614	26	filings	filing	NOUN
cblr-1712	614	27	)	)	PUNCT
cblr-1712	614	28	.	.	PUNCT
cblr-1712	615	1	137	137	NUM
cblr-1712	615	2	15	15	NUM
cblr-1712	615	3	u.s.c	u.s.c	ADJ
cblr-1712	615	4	.	.	PUNCT
cblr-1712	616	1	§	§	PROPN
cblr-1712	616	2	1692e	1692e	NUM
cblr-1712	616	3	(	(	PUNCT
cblr-1712	616	4	2012	2012	NUM
cblr-1712	616	5	)	)	PUNCT
cblr-1712	616	6	.	.	PUNCT
cblr-1712	617	1	138	138	NUM
cblr-1712	617	2	these	these	DET
cblr-1712	617	3	attempts	attempt	NOUN
cblr-1712	617	4	may	may	AUX
cblr-1712	617	5	be	be	AUX
cblr-1712	617	6	in	in	ADP
cblr-1712	617	7	violation	violation	NOUN
cblr-1712	617	8	of	of	ADP
cblr-1712	617	9	15	15	NUM
cblr-1712	617	10	u.s.c	u.s.c	ADJ
cblr-1712	617	11	.	.	PUNCT
cblr-1712	618	1	§	§	PROPN
cblr-1712	618	2	§	§	PROPN
cblr-1712	618	3	1692b	1692b	NUM
cblr-1712	618	4	,	,	PUNCT
cblr-1712	618	5	1692c	1692c	NUM
cblr-1712	618	6	,	,	PUNCT
cblr-1712	618	7	1692d	1692d	NUM
cblr-1712	618	8	,	,	PUNCT
cblr-1712	618	9	1692e	1692e	NUM
cblr-1712	618	10	.	.	PUNCT
cblr-1712	619	1	johnston	johnston	PROPN
cblr-1712	619	2	–	–	PUNCT
cblr-1712	619	3	final	final	ADJ
cblr-1712	619	4	52	52	NUM
cblr-1712	619	5	columbia	columbia	PROPN
cblr-1712	619	6	business	business	NOUN
cblr-1712	619	7	law	law	PROPN
cblr-1712	619	8	review	review	NOUN
cblr-1712	619	9	[	[	X
cblr-1712	619	10	vol	vol	NOUN
cblr-1712	619	11	.	.	PUNCT
cblr-1712	619	12	2017	2017	NUM
cblr-1712	619	13	e.	e.	PROPN
cblr-1712	619	14	other	other	ADJ
cblr-1712	619	15	two	two	NUM
cblr-1712	619	16	cases	case	NOUN
cblr-1712	619	17	that	that	PRON
cblr-1712	619	18	did	do	AUX
cblr-1712	619	19	not	not	PART
cblr-1712	619	20	appear	appear	VERB
cblr-1712	619	21	to	to	PART
cblr-1712	619	22	fall	fall	VERB
cblr-1712	619	23	under	under	ADP
cblr-1712	619	24	any	any	PRON
cblr-1712	619	25	of	of	ADP
cblr-1712	619	26	the	the	DET
cblr-1712	619	27	previous	previous	ADJ
cblr-1712	619	28	four	four	NUM
cblr-1712	619	29	categories	category	NOUN
cblr-1712	619	30	were	be	AUX
cblr-1712	619	31	placed	place	VERB
cblr-1712	619	32	in	in	ADP
cblr-1712	619	33	the	the	DET
cblr-1712	619	34	“	"	PUNCT
cblr-1712	619	35	other	other	ADJ
cblr-1712	619	36	”	"	PUNCT
cblr-1712	619	37	category	category	NOUN
cblr-1712	619	38	.	.	PUNCT
cblr-1712	620	1	these	these	PRON
cblr-1712	620	2	included	include	VERB
cblr-1712	620	3	a	a	DET
cblr-1712	620	4	case	case	NOUN
cblr-1712	620	5	in	in	ADP
cblr-1712	620	6	which	which	PRON
cblr-1712	620	7	a	a	DET
cblr-1712	620	8	debt	debt	NOUN
cblr-1712	620	9	collector	collector	NOUN
cblr-1712	620	10	reported	report	VERB
cblr-1712	620	11	false	false	ADJ
cblr-1712	620	12	information	information	NOUN
cblr-1712	620	13	about	about	ADP
cblr-1712	620	14	the	the	DET
cblr-1712	620	15	debt	debt	NOUN
cblr-1712	620	16	to	to	ADP
cblr-1712	620	17	consumer	consumer	NOUN
cblr-1712	620	18	reporting	reporting	NOUN
cblr-1712	620	19	agencies	agency	NOUN
cblr-1712	620	20	,	,	PUNCT
cblr-1712	620	21	and	and	CCONJ
cblr-1712	620	22	a	a	DET
cblr-1712	620	23	case	case	NOUN
cblr-1712	620	24	in	in	ADP
cblr-1712	620	25	which	which	PRON
cblr-1712	620	26	a	a	DET
cblr-1712	620	27	debt	debt	NOUN
cblr-1712	620	28	collector	collector	NOUN
cblr-1712	620	29	purchased	purchase	VERB
cblr-1712	620	30	healthcare	healthcare	NOUN
cblr-1712	620	31	debts	debt	NOUN
cblr-1712	620	32	and	and	CCONJ
cblr-1712	620	33	then	then	ADV
cblr-1712	620	34	purported	purport	VERB
cblr-1712	620	35	that	that	SCONJ
cblr-1712	620	36	payments	payment	NOUN
cblr-1712	620	37	on	on	ADP
cblr-1712	620	38	those	those	DET
cblr-1712	620	39	debts	debt	NOUN
cblr-1712	620	40	constituted	constitute	VERB
cblr-1712	620	41	acceptance	acceptance	NOUN
cblr-1712	620	42	of	of	ADP
cblr-1712	620	43	a	a	DET
cblr-1712	620	44	revolving	revolve	VERB
cblr-1712	620	45	credit	credit	NOUN
cblr-1712	620	46	line	line	NOUN
cblr-1712	620	47	from	from	ADP
cblr-1712	620	48	the	the	DET
cblr-1712	620	49	debtor	debtor	NOUN
cblr-1712	620	50	.	.	PUNCT
cblr-1712	621	1	as	as	SCONJ
cblr-1712	621	2	can	can	AUX
cblr-1712	621	3	be	be	AUX
cblr-1712	621	4	seen	see	VERB
cblr-1712	621	5	from	from	ADP
cblr-1712	621	6	figure	figure	NOUN
cblr-1712	621	7	7	7	NUM
cblr-1712	621	8	below	below	ADV
cblr-1712	621	9	,	,	PUNCT
cblr-1712	621	10	class	class	NOUN
cblr-1712	621	11	-	-	PUNCT
cblr-1712	621	12	action	action	NOUN
cblr-1712	621	13	settlements	settlement	NOUN
cblr-1712	621	14	by	by	ADP
cblr-1712	621	15	fdcpa	fdcpa	NOUN
cblr-1712	621	16	case	case	NOUN
cblr-1712	621	17	type	type	NOUN
cblr-1712	621	18	closely	closely	ADV
cblr-1712	621	19	track	track	VERB
cblr-1712	621	20	the	the	DET
cblr-1712	621	21	filings	filing	NOUN
cblr-1712	621	22	sample	sample	NOUN
cblr-1712	621	23	proportions	proportion	NOUN
cblr-1712	621	24	for	for	ADP
cblr-1712	621	25	the	the	DET
cblr-1712	621	26	two	two	NUM
cblr-1712	621	27	main	main	ADJ
cblr-1712	621	28	case	case	NOUN
cblr-1712	621	29	types	type	NOUN
cblr-1712	621	30	,	,	PUNCT
cblr-1712	621	31	formalities	formality	NOUN
cblr-1712	621	32	and	and	CCONJ
cblr-1712	621	33	bad	bad	ADJ
cblr-1712	621	34	debt	debt	NOUN
cblr-1712	621	35	,	,	PUNCT
cblr-1712	621	36	with	with	ADP
cblr-1712	621	37	filings	filing	NOUN
cblr-1712	621	38	/	/	SYM
cblr-1712	621	39	class	class	NOUN
cblr-1712	621	40	settlement	settlement	NOUN
cblr-1712	621	41	proportions	proportion	NOUN
cblr-1712	621	42	being	be	AUX
cblr-1712	621	43	51/54	51/54	NUM
cblr-1712	621	44	%	%	NOUN
cblr-1712	621	45	for	for	ADP
cblr-1712	621	46	formalities	formality	NOUN
cblr-1712	621	47	and	and	CCONJ
cblr-1712	621	48	23/28	23/28	NUM
cblr-1712	621	49	%	%	NOUN
cblr-1712	621	50	for	for	ADP
cblr-1712	621	51	bad	bad	ADJ
cblr-1712	621	52	debt	debt	NOUN
cblr-1712	621	53	.	.	PUNCT
cblr-1712	622	1	at	at	ADP
cblr-1712	622	2	15	15	NUM
cblr-1712	622	3	%	%	NOUN
cblr-1712	622	4	versus	versus	ADP
cblr-1712	622	5	5	5	NUM
cblr-1712	622	6	%	%	NOUN
cblr-1712	622	7	,	,	PUNCT
cblr-1712	622	8	only	only	ADV
cblr-1712	622	9	for	for	ADP
cblr-1712	622	10	litigation	litigation	NOUN
cblr-1712	622	11	threat	threat	NOUN
cblr-1712	622	12	type	type	NOUN
cblr-1712	622	13	cases	case	NOUN
cblr-1712	622	14	was	be	AUX
cblr-1712	622	15	the	the	DET
cblr-1712	622	16	class	class	NOUN
cblr-1712	622	17	settlement	settlement	NOUN
cblr-1712	622	18	proportion	proportion	NOUN
cblr-1712	622	19	far	far	ADV
cblr-1712	622	20	above	above	ADP
cblr-1712	622	21	the	the	DET
cblr-1712	622	22	proportion	proportion	NOUN
cblr-1712	622	23	of	of	ADP
cblr-1712	622	24	filings	filing	NOUN
cblr-1712	622	25	.	.	PUNCT
cblr-1712	623	1	figure	figure	VERB
cblr-1712	623	2	7	7	NUM
cblr-1712	623	3	.	.	PUNCT
cblr-1712	623	4	fdcpa	fdcpa	NOUN
cblr-1712	623	5	class	class	NOUN
cblr-1712	623	6	settlements	settlement	NOUN
cblr-1712	623	7	,	,	PUNCT
cblr-1712	623	8	by	by	ADP
cblr-1712	623	9	case	case	NOUN
cblr-1712	623	10	type	type	NOUN
cblr-1712	623	11	johnston	johnston	PROPN
cblr-1712	623	12	–	–	PUNCT
cblr-1712	623	13	final	final	ADJ
cblr-1712	623	14	no	no	NOUN
cblr-1712	623	15	.	.	NOUN
cblr-1712	623	16	1:1	1:1	NUM
cblr-1712	623	17	]	]	X
cblr-1712	623	18	high	high	ADJ
cblr-1712	623	19	cost	cost	NOUN
cblr-1712	623	20	,	,	PUNCT
cblr-1712	623	21	little	little	ADJ
cblr-1712	623	22	compensation	compensation	NOUN
cblr-1712	623	23	53	53	NUM
cblr-1712	623	24	in	in	ADP
cblr-1712	623	25	aggregate	aggregate	ADJ
cblr-1712	623	26	,	,	PUNCT
cblr-1712	623	27	attorneys	attorney	NOUN
cblr-1712	623	28	’	'	PUNCT
cblr-1712	623	29	fees	fee	NOUN
cblr-1712	623	30	of	of	ADP
cblr-1712	623	31	$	$	SYM
cblr-1712	623	32	787,525	787,525	NUM
cblr-1712	623	33	were	be	AUX
cblr-1712	623	34	incurred	incur	VERB
cblr-1712	623	35	to	to	PART
cblr-1712	623	36	generate	generate	VERB
cblr-1712	623	37	fdcpa	fdcpa	NOUN
cblr-1712	623	38	class	class	NOUN
cblr-1712	623	39	settlement	settlement	NOUN
cblr-1712	623	40	payouts	payout	NOUN
cblr-1712	623	41	of	of	ADP
cblr-1712	623	42	$	$	SYM
cblr-1712	623	43	1,365,662	1,365,662	NUM
cblr-1712	623	44	.	.	PUNCT
cblr-1712	624	1	on	on	ADP
cblr-1712	624	2	average	average	ADJ
cblr-1712	624	3	,	,	PUNCT
cblr-1712	624	4	fdcpa	fdcpa	X
cblr-1712	624	5	are	be	AUX
cblr-1712	624	6	small	small	ADJ
cblr-1712	624	7	class	class	NOUN
cblr-1712	624	8	-	-	PUNCT
cblr-1712	624	9	action	action	NOUN
cblr-1712	624	10	settlements	settlement	NOUN
cblr-1712	624	11	for	for	ADP
cblr-1712	624	12	small	small	ADJ
cblr-1712	624	13	classes	class	NOUN
cblr-1712	624	14	,	,	PUNCT
cblr-1712	624	15	with	with	ADP
cblr-1712	624	16	an	an	DET
cblr-1712	624	17	average	average	ADJ
cblr-1712	624	18	class	class	NOUN
cblr-1712	624	19	size	size	NOUN
cblr-1712	624	20	of	of	ADP
cblr-1712	624	21	4,882	4,882	NUM
cblr-1712	624	22	,	,	PUNCT
cblr-1712	624	23	an	an	DET
cblr-1712	624	24	average	average	ADJ
cblr-1712	624	25	nominal	nominal	ADJ
cblr-1712	624	26	settlement	settlement	NOUN
cblr-1712	624	27	of	of	ADP
cblr-1712	624	28	$	$	SYM
cblr-1712	624	29	58,724	58,724	NUM
cblr-1712	624	30	,	,	PUNCT
cblr-1712	624	31	and	and	CCONJ
cblr-1712	624	32	average	average	ADJ
cblr-1712	624	33	attorneys	attorney	NOUN
cblr-1712	624	34	’	'	PUNCT
cblr-1712	624	35	fees	fee	NOUN
cblr-1712	624	36	of	of	ADP
cblr-1712	624	37	$	$	SYM
cblr-1712	624	38	31,500	31,500	NUM
cblr-1712	624	39	.	.	PUNCT
cblr-1712	625	1	the	the	DET
cblr-1712	625	2	small	small	ADJ
cblr-1712	625	3	size	size	NOUN
cblr-1712	625	4	of	of	ADP
cblr-1712	625	5	even	even	ADV
cblr-1712	625	6	nominal	nominal	ADJ
cblr-1712	625	7	settlements	settlement	NOUN
cblr-1712	625	8	reflects	reflect	VERB
cblr-1712	625	9	the	the	DET
cblr-1712	625	10	small	small	ADJ
cblr-1712	625	11	number	number	NOUN
cblr-1712	625	12	of	of	ADP
cblr-1712	625	13	class	class	NOUN
cblr-1712	625	14	members	member	NOUN
cblr-1712	625	15	and	and	CCONJ
cblr-1712	625	16	the	the	DET
cblr-1712	625	17	fdcpa	fdcpa	NOUN
cblr-1712	625	18	’s	’s	PART
cblr-1712	625	19	statutory	statutory	ADJ
cblr-1712	625	20	limitation	limitation	NOUN
cblr-1712	625	21	on	on	ADP
cblr-1712	625	22	statutory	statutory	ADJ
cblr-1712	625	23	damages	damage	NOUN
cblr-1712	625	24	in	in	ADP
cblr-1712	625	25	class	class	NOUN
cblr-1712	625	26	-	-	PUNCT
cblr-1712	625	27	action	action	NOUN
cblr-1712	625	28	cases	case	NOUN
cblr-1712	625	29	.	.	PUNCT
cblr-1712	626	1	these	these	DET
cblr-1712	626	2	settlements	settlement	NOUN
cblr-1712	626	3	take	take	VERB
cblr-1712	626	4	some	some	DET
cblr-1712	626	5	time	time	NOUN
cblr-1712	626	6	to	to	PART
cblr-1712	626	7	achieve	achieve	VERB
cblr-1712	626	8	.	.	PUNCT
cblr-1712	627	1	on	on	ADP
cblr-1712	627	2	average	average	ADJ
cblr-1712	627	3	,	,	PUNCT
cblr-1712	627	4	final	final	ADJ
cblr-1712	627	5	judicial	judicial	ADJ
cblr-1712	627	6	approval	approval	NOUN
cblr-1712	627	7	takes	take	VERB
cblr-1712	627	8	seventeen	seventeen	NUM
cblr-1712	627	9	months	month	NOUN
cblr-1712	627	10	after	after	SCONJ
cblr-1712	627	11	the	the	DET
cblr-1712	627	12	complaint	complaint	NOUN
cblr-1712	627	13	is	be	AUX
cblr-1712	627	14	filed	file	VERB
cblr-1712	627	15	.	.	PUNCT
cblr-1712	628	1	the	the	DET
cblr-1712	628	2	mean	mean	ADJ
cblr-1712	628	3	aggregate	aggregate	ADJ
cblr-1712	628	4	payout	payout	NOUN
cblr-1712	628	5	to	to	ADP
cblr-1712	628	6	the	the	DET
cblr-1712	628	7	class	class	NOUN
cblr-1712	628	8	in	in	ADP
cblr-1712	628	9	fdcpa	fdcpa	NOUN
cblr-1712	628	10	class	class	NOUN
cblr-1712	628	11	settlements	settlement	NOUN
cblr-1712	628	12	is	be	AUX
cblr-1712	628	13	$	$	SYM
cblr-1712	628	14	54,626	54,626	NUM
cblr-1712	628	15	,	,	PUNCT
cblr-1712	628	16	a	a	DET
cblr-1712	628	17	full	full	ADJ
cblr-1712	628	18	88	88	NUM
cblr-1712	628	19	%	%	NOUN
cblr-1712	628	20	of	of	ADP
cblr-1712	628	21	the	the	DET
cblr-1712	628	22	nominal	nominal	ADJ
cblr-1712	628	23	settlement	settlement	NOUN
cblr-1712	628	24	.	.	PUNCT
cblr-1712	629	1	moreover	moreover	ADV
cblr-1712	629	2	,	,	PUNCT
cblr-1712	629	3	on	on	ADP
cblr-1712	629	4	unweighted	unweighted	ADJ
cblr-1712	629	5	average	average	NOUN
cblr-1712	629	6	,	,	PUNCT
cblr-1712	629	7	25	25	NUM
cblr-1712	629	8	%	%	NOUN
cblr-1712	629	9	of	of	ADP
cblr-1712	629	10	the	the	DET
cblr-1712	629	11	class	class	NOUN
cblr-1712	629	12	receives	receive	VERB
cblr-1712	629	13	compensation	compensation	NOUN
cblr-1712	629	14	in	in	ADP
cblr-1712	629	15	an	an	DET
cblr-1712	629	16	fdcpa	fdcpa	NOUN
cblr-1712	629	17	class	class	NOUN
cblr-1712	629	18	settlement	settlement	NOUN
cblr-1712	629	19	.	.	PUNCT
cblr-1712	630	1	figure	figure	VERB
cblr-1712	630	2	8	8	NUM
cblr-1712	630	3	.	.	PUNCT
cblr-1712	631	1	fdcpa	fdcpa	NOUN
cblr-1712	631	2	compensation	compensation	NOUN
cblr-1712	631	3	rate	rate	NOUN
cblr-1712	631	4	distribution	distribution	NOUN
cblr-1712	631	5	johnston	johnston	NOUN
cblr-1712	631	6	–	–	PUNCT
cblr-1712	631	7	final	final	ADJ
cblr-1712	631	8	54	54	NUM
cblr-1712	631	9	columbia	columbia	PROPN
cblr-1712	631	10	business	business	NOUN
cblr-1712	631	11	law	law	PROPN
cblr-1712	631	12	review	review	NOUN
cblr-1712	631	13	[	[	X
cblr-1712	631	14	vol	vol	NOUN
cblr-1712	631	15	.	.	NOUN
cblr-1712	631	16	2017	2017	NUM
cblr-1712	631	17	figure	figure	NOUN
cblr-1712	631	18	8	8	NUM
cblr-1712	631	19	shows	show	VERB
cblr-1712	631	20	the	the	DET
cblr-1712	631	21	(	(	PUNCT
cblr-1712	631	22	smoothed	smoothed	ADJ
cblr-1712	631	23	)	)	PUNCT
cblr-1712	631	24	distribution	distribution	NOUN
cblr-1712	631	25	of	of	ADP
cblr-1712	631	26	the	the	DET
cblr-1712	631	27	compensation	compensation	NOUN
cblr-1712	631	28	rate	rate	NOUN
cblr-1712	631	29	across	across	ADP
cblr-1712	631	30	all	all	DET
cblr-1712	631	31	fdcpa	fdcpa	NOUN
cblr-1712	631	32	case	case	NOUN
cblr-1712	631	33	types	type	NOUN
cblr-1712	631	34	.	.	PUNCT
cblr-1712	632	1	figure	figure	NOUN
cblr-1712	632	2	9	9	NUM
cblr-1712	632	3	breaks	break	NOUN
cblr-1712	632	4	out	out	ADP
cblr-1712	632	5	the	the	DET
cblr-1712	632	6	compensation	compensation	NOUN
cblr-1712	632	7	rate	rate	NOUN
cblr-1712	632	8	by	by	ADP
cblr-1712	632	9	fdcpa	fdcpa	NOUN
cblr-1712	632	10	case	case	NOUN
cblr-1712	632	11	type	type	NOUN
cblr-1712	632	12	.	.	PUNCT
cblr-1712	633	1	as	as	SCONJ
cblr-1712	633	2	figure	figure	NOUN
cblr-1712	633	3	8	8	NUM
cblr-1712	633	4	shows	show	NOUN
cblr-1712	633	5	,	,	PUNCT
cblr-1712	633	6	the	the	DET
cblr-1712	633	7	majority	majority	NOUN
cblr-1712	633	8	of	of	ADP
cblr-1712	633	9	fdcpa	fdcpa	PROPN
cblr-1712	633	10	settlements	settlement	NOUN
cblr-1712	633	11	involve	involve	VERB
cblr-1712	633	12	a	a	DET
cblr-1712	633	13	class	class	NOUN
cblr-1712	633	14	compensation	compensation	NOUN
cblr-1712	633	15	rate	rate	NOUN
cblr-1712	633	16	of	of	ADP
cblr-1712	633	17	less	less	ADJ
cblr-1712	633	18	than	than	ADP
cblr-1712	633	19	20	20	NUM
cblr-1712	633	20	%	%	NOUN
cblr-1712	633	21	.	.	PUNCT
cblr-1712	634	1	the	the	DET
cblr-1712	634	2	compensation	compensation	NOUN
cblr-1712	634	3	rates	rate	NOUN
cblr-1712	634	4	across	across	ADP
cblr-1712	634	5	types	type	NOUN
cblr-1712	634	6	of	of	ADP
cblr-1712	634	7	fdcpa	fdcpa	NOUN
cblr-1712	634	8	cases	case	NOUN
cblr-1712	634	9	in	in	ADP
cblr-1712	634	10	figure	figure	NOUN
cblr-1712	634	11	9	9	NUM
cblr-1712	634	12	shows	show	VERB
cblr-1712	634	13	that	that	SCONJ
cblr-1712	634	14	the	the	DET
cblr-1712	634	15	mean	mean	ADJ
cblr-1712	634	16	compensation	compensation	NOUN
cblr-1712	634	17	rate	rate	NOUN
cblr-1712	634	18	in	in	ADP
cblr-1712	634	19	fdcpa	fdcpa	NOUN
cblr-1712	634	20	cases	case	NOUN
cblr-1712	634	21	varies	vary	VERB
cblr-1712	634	22	by	by	ADP
cblr-1712	634	23	an	an	DET
cblr-1712	634	24	order	order	NOUN
cblr-1712	634	25	of	of	ADP
cblr-1712	634	26	magnitude	magnitude	NOUN
cblr-1712	634	27	across	across	ADP
cblr-1712	634	28	case	case	NOUN
cblr-1712	634	29	types	type	NOUN
cblr-1712	634	30	,	,	PUNCT
cblr-1712	634	31	from	from	ADP
cblr-1712	634	32	7	7	NUM
cblr-1712	634	33	%	%	NOUN
cblr-1712	634	34	for	for	ADP
cblr-1712	634	35	the	the	DET
cblr-1712	634	36	three	three	NUM
cblr-1712	634	37	cases	case	NOUN
cblr-1712	634	38	alleging	allege	VERB
cblr-1712	634	39	unlawful	unlawful	ADJ
cblr-1712	634	40	litigation	litigation	NOUN
cblr-1712	634	41	threats	threat	NOUN
cblr-1712	634	42	to	to	ADP
cblr-1712	634	43	70	70	NUM
cblr-1712	634	44	%	%	NOUN
cblr-1712	634	45	for	for	ADP
cblr-1712	634	46	the	the	DET
cblr-1712	634	47	one	one	NUM
cblr-1712	634	48	settlement	settlement	NOUN
cblr-1712	634	49	in	in	ADP
cblr-1712	634	50	a	a	DET
cblr-1712	634	51	case	case	NOUN
cblr-1712	634	52	alleging	allege	VERB
cblr-1712	634	53	a	a	DET
cblr-1712	634	54	bad	bad	ADJ
cblr-1712	634	55	affidavit	affidavit	NOUN
cblr-1712	634	56	.	.	PUNCT
cblr-1712	635	1	restricting	restrict	VERB
cblr-1712	635	2	attention	attention	NOUN
cblr-1712	635	3	to	to	ADP
cblr-1712	635	4	the	the	DET
cblr-1712	635	5	two	two	NUM
cblr-1712	635	6	most	most	ADV
cblr-1712	635	7	frequent	frequent	ADJ
cblr-1712	635	8	fdcpa	fdcpa	NOUN
cblr-1712	635	9	settlement	settlement	NOUN
cblr-1712	635	10	types	type	NOUN
cblr-1712	635	11	,	,	PUNCT
cblr-1712	635	12	those	those	PRON
cblr-1712	635	13	alleging	allege	VERB
cblr-1712	635	14	a	a	DET
cblr-1712	635	15	failure	failure	NOUN
cblr-1712	635	16	of	of	ADP
cblr-1712	635	17	the	the	DET
cblr-1712	635	18	debt	debt	NOUN
cblr-1712	635	19	collector	collector	NOUN
cblr-1712	635	20	to	to	PART
cblr-1712	635	21	follow	follow	VERB
cblr-1712	635	22	a	a	DET
cblr-1712	635	23	required	require	VERB
cblr-1712	635	24	formality	formality	NOUN
cblr-1712	635	25	and	and	CCONJ
cblr-1712	635	26	those	those	PRON
cblr-1712	635	27	alleging	allege	VERB
cblr-1712	635	28	attempts	attempt	VERB
cblr-1712	635	29	to	to	PART
cblr-1712	635	30	collect	collect	VERB
cblr-1712	635	31	on	on	ADP
cblr-1712	635	32	a	a	DET
cblr-1712	635	33	bad	bad	ADJ
cblr-1712	635	34	debt	debt	NOUN
cblr-1712	635	35	,	,	PUNCT
cblr-1712	635	36	shows	show	VERB
cblr-1712	635	37	that	that	SCONJ
cblr-1712	635	38	the	the	DET
cblr-1712	635	39	mean	mean	PROPN
cblr-1712	635	40	compensation	compensation	NOUN
cblr-1712	635	41	rate	rate	NOUN
cblr-1712	635	42	varies	vary	VERB
cblr-1712	635	43	from	from	ADP
cblr-1712	635	44	47	47	NUM
cblr-1712	635	45	%	%	NOUN
cblr-1712	635	46	for	for	ADP
cblr-1712	635	47	the	the	DET
cblr-1712	635	48	bad	bad	ADJ
cblr-1712	635	49	debt	debt	NOUN
cblr-1712	635	50	settlements	settlement	NOUN
cblr-1712	635	51	to	to	ADP
cblr-1712	635	52	16	16	NUM
cblr-1712	635	53	%	%	NOUN
cblr-1712	635	54	for	for	ADP
cblr-1712	635	55	the	the	DET
cblr-1712	635	56	formality	formality	NOUN
cblr-1712	635	57	settlements	settlement	NOUN
cblr-1712	635	58	.	.	PUNCT
cblr-1712	636	1	the	the	DET
cblr-1712	636	2	difference	difference	NOUN
cblr-1712	636	3	in	in	ADP
cblr-1712	636	4	the	the	DET
cblr-1712	636	5	compensation	compensation	NOUN
cblr-1712	636	6	rate	rate	NOUN
cblr-1712	636	7	across	across	ADP
cblr-1712	636	8	case	case	NOUN
cblr-1712	636	9	types	type	NOUN
cblr-1712	636	10	is	be	AUX
cblr-1712	636	11	statistically	statistically	ADV
cblr-1712	636	12	significant	significant	ADJ
cblr-1712	636	13	(	(	PUNCT
cblr-1712	636	14	with	with	ADP
cblr-1712	636	15	f(3,21	f(3,21	PROPN
cblr-1712	636	16	)	)	PUNCT
cblr-1712	636	17	=	=	SYM
cblr-1712	636	18	9.8	9.8	NUM
cblr-1712	636	19	,	,	PUNCT
cblr-1712	636	20	p	p	X
cblr-1712	636	21	<	<	X
cblr-1712	636	22	.007	.007	NUM
cblr-1712	636	23	)	)	PUNCT
cblr-1712	636	24	.	.	PUNCT
cblr-1712	637	1	figure	figure	NOUN
cblr-1712	637	2	9	9	NUM
cblr-1712	637	3	.	.	PUNCT
cblr-1712	638	1	fdcpa	fdcpa	NOUN
cblr-1712	638	2	compensation	compensation	NOUN
cblr-1712	638	3	rates	rate	NOUN
cblr-1712	638	4	,	,	PUNCT
cblr-1712	638	5	by	by	ADP
cblr-1712	638	6	case	case	NOUN
cblr-1712	638	7	type	type	NOUN
cblr-1712	638	8	johnston	johnston	PROPN
cblr-1712	638	9	–	–	PUNCT
cblr-1712	638	10	final	final	ADJ
cblr-1712	638	11	no	no	NOUN
cblr-1712	638	12	.	.	NOUN
cblr-1712	638	13	1:1	1:1	NUM
cblr-1712	638	14	]	]	X
cblr-1712	638	15	high	high	ADJ
cblr-1712	638	16	cost	cost	NOUN
cblr-1712	638	17	,	,	PUNCT
cblr-1712	638	18	little	little	ADJ
cblr-1712	638	19	compensation	compensation	NOUN
cblr-1712	638	20	55	55	NUM
cblr-1712	638	21	unlike	unlike	ADP
cblr-1712	638	22	compensation	compensation	NOUN
cblr-1712	638	23	rates	rate	NOUN
cblr-1712	638	24	,	,	PUNCT
cblr-1712	638	25	as	as	SCONJ
cblr-1712	638	26	figure	figure	NOUN
cblr-1712	638	27	10	10	NUM
cblr-1712	638	28	shows	show	NOUN
cblr-1712	638	29	,	,	PUNCT
cblr-1712	638	30	attorneys	attorney	NOUN
cblr-1712	638	31	’	'	PUNCT
cblr-1712	638	32	fees	fee	NOUN
cblr-1712	638	33	relative	relative	ADJ
cblr-1712	638	34	to	to	ADP
cblr-1712	638	35	the	the	DET
cblr-1712	638	36	nominal	nominal	ADJ
cblr-1712	638	37	class	class	NOUN
cblr-1712	638	38	settlement	settlement	NOUN
cblr-1712	638	39	amounts	amount	VERB
cblr-1712	638	40	and	and	CCONJ
cblr-1712	638	41	aggregate	aggregate	ADJ
cblr-1712	638	42	payouts	payout	NOUN
cblr-1712	638	43	do	do	AUX
cblr-1712	638	44	not	not	PART
cblr-1712	638	45	vary	vary	VERB
cblr-1712	638	46	as	as	ADV
cblr-1712	638	47	much	much	ADJ
cblr-1712	638	48	across	across	ADP
cblr-1712	638	49	fdcpa	fdcpa	NOUN
cblr-1712	638	50	case	case	NOUN
cblr-1712	638	51	types	type	NOUN
cblr-1712	638	52	,	,	PUNCT
cblr-1712	638	53	ranging	range	VERB
cblr-1712	638	54	only	only	ADV
cblr-1712	638	55	from	from	ADP
cblr-1712	638	56	.35	.35	NUM
cblr-1712	638	57	to	to	ADP
cblr-1712	638	58	.42	.42	NUM
cblr-1712	638	59	.	.	PUNCT
cblr-1712	639	1	aside	aside	ADV
cblr-1712	639	2	from	from	ADP
cblr-1712	639	3	formality	formality	NOUN
cblr-1712	639	4	fdcpa	fdcpa	NOUN
cblr-1712	639	5	cases	case	NOUN
cblr-1712	639	6	,	,	PUNCT
cblr-1712	639	7	the	the	DET
cblr-1712	639	8	ratio	ratio	NOUN
cblr-1712	639	9	of	of	ADP
cblr-1712	639	10	attorneys	attorney	NOUN
cblr-1712	639	11	’	'	PUNCT
cblr-1712	639	12	fees	fee	NOUN
cblr-1712	639	13	to	to	ADP
cblr-1712	639	14	the	the	DET
cblr-1712	639	15	aggregate	aggregate	ADJ
cblr-1712	639	16	payout	payout	NOUN
cblr-1712	639	17	to	to	ADP
cblr-1712	639	18	the	the	DET
cblr-1712	639	19	class	class	NOUN
cblr-1712	639	20	varies	vary	VERB
cblr-1712	639	21	less	less	ADJ
cblr-1712	639	22	.	.	PUNCT
cblr-1712	640	1	but	but	CCONJ
cblr-1712	640	2	fees	fee	NOUN
cblr-1712	640	3	are	be	AUX
cblr-1712	640	4	high	high	ADJ
cblr-1712	640	5	,	,	PUNCT
cblr-1712	640	6	averaging	average	VERB
cblr-1712	640	7	at	at	ADV
cblr-1712	640	8	least	least	ADV
cblr-1712	640	9	64	64	NUM
cblr-1712	640	10	%	%	NOUN
cblr-1712	640	11	of	of	ADP
cblr-1712	640	12	the	the	DET
cblr-1712	640	13	class	class	NOUN
cblr-1712	640	14	payout	payout	NOUN
cblr-1712	640	15	for	for	ADP
cblr-1712	640	16	all	all	DET
cblr-1712	640	17	case	case	NOUN
cblr-1712	640	18	types	type	NOUN
cblr-1712	640	19	.	.	PUNCT
cblr-1712	641	1	these	these	DET
cblr-1712	641	2	high	high	ADJ
cblr-1712	641	3	fees	fee	NOUN
cblr-1712	641	4	reflect	reflect	VERB
cblr-1712	641	5	the	the	DET
cblr-1712	641	6	fact	fact	NOUN
cblr-1712	641	7	that	that	SCONJ
cblr-1712	641	8	courts	court	NOUN
cblr-1712	641	9	award	award	VERB
cblr-1712	641	10	attorneys	attorney	NOUN
cblr-1712	641	11	’	'	PUNCT
cblr-1712	641	12	fees	fee	NOUN
cblr-1712	641	13	based	base	VERB
cblr-1712	641	14	on	on	ADP
cblr-1712	641	15	the	the	DET
cblr-1712	641	16	reasonable	reasonable	ADJ
cblr-1712	641	17	value	value	NOUN
cblr-1712	641	18	of	of	ADP
cblr-1712	641	19	class	class	NOUN
cblr-1712	641	20	counsel	counsel	NOUN
cblr-1712	641	21	’s	’s	PART
cblr-1712	641	22	time	time	NOUN
cblr-1712	641	23	spent	spend	VERB
cblr-1712	641	24	on	on	ADP
cblr-1712	641	25	the	the	DET
cblr-1712	641	26	case	case	NOUN
cblr-1712	641	27	.	.	PUNCT
cblr-1712	642	1	courts	court	NOUN
cblr-1712	642	2	do	do	AUX
cblr-1712	642	3	not	not	PART
cblr-1712	642	4	base	base	VERB
cblr-1712	642	5	attorneys	attorney	NOUN
cblr-1712	642	6	’	'	PUNCT
cblr-1712	642	7	fees	fee	NOUN
cblr-1712	642	8	by	by	ADP
cblr-1712	642	9	comparing	compare	VERB
cblr-1712	642	10	attorneys	attorney	NOUN
cblr-1712	642	11	’	'	PUNCT
cblr-1712	642	12	fees	fee	NOUN
cblr-1712	642	13	to	to	ADP
cblr-1712	642	14	the	the	DET
cblr-1712	642	15	recovery	recovery	NOUN
cblr-1712	642	16	(	(	PUNCT
cblr-1712	642	17	on	on	ADP
cblr-1712	642	18	a	a	DET
cblr-1712	642	19	common	common	ADJ
cblr-1712	642	20	fund	fund	NOUN
cblr-1712	642	21	theory	theory	NOUN
cblr-1712	642	22	of	of	ADP
cblr-1712	642	23	fee	fee	NOUN
cblr-1712	642	24	recovery	recovery	NOUN
cblr-1712	642	25	)	)	PUNCT
cblr-1712	642	26	because	because	SCONJ
cblr-1712	642	27	the	the	DET
cblr-1712	642	28	fdcpa	fdcpa	PROPN
cblr-1712	642	29	limits	limit	VERB
cblr-1712	642	30	actual	actual	ADJ
cblr-1712	642	31	recovery	recovery	NOUN
cblr-1712	642	32	to	to	ADP
cblr-1712	642	33	the	the	DET
cblr-1712	642	34	lower	low	ADJ
cblr-1712	642	35	of	of	ADP
cblr-1712	642	36	$	$	SYM
cblr-1712	642	37	500,000	500,000	NUM
cblr-1712	642	38	or	or	CCONJ
cblr-1712	642	39	1	1	NUM
cblr-1712	642	40	%	%	NOUN
cblr-1712	642	41	of	of	ADP
cblr-1712	642	42	the	the	DET
cblr-1712	642	43	defendant	defendant	NOUN
cblr-1712	642	44	’s	’s	PART
cblr-1712	642	45	net	net	ADJ
cblr-1712	642	46	worth	worth	NOUN
cblr-1712	642	47	.	.	PUNCT
cblr-1712	643	1	this	this	DET
cblr-1712	643	2	net	net	ADJ
cblr-1712	643	3	worth	worth	ADJ
cblr-1712	643	4	consideration	consideration	NOUN
cblr-1712	643	5	likely	likely	ADV
cblr-1712	643	6	explains	explain	VERB
cblr-1712	643	7	why	why	SCONJ
cblr-1712	643	8	attorneys	attorney	NOUN
cblr-1712	643	9	’	'	PUNCT
cblr-1712	643	10	fees	fee	NOUN
cblr-1712	643	11	in	in	ADP
cblr-1712	643	12	formality	formality	NOUN
cblr-1712	643	13	fdcpa	fdcpa	NOUN
cblr-1712	643	14	cases	case	NOUN
cblr-1712	643	15	are	be	AUX
cblr-1712	643	16	higher	high	ADJ
cblr-1712	643	17	than	than	ADP
cblr-1712	643	18	other	other	ADJ
cblr-1712	643	19	fdcpa	fdcpa	NOUN
cblr-1712	643	20	case	case	NOUN
cblr-1712	643	21	types	type	NOUN
cblr-1712	643	22	.	.	PUNCT
cblr-1712	644	1	on	on	ADP
cblr-1712	644	2	average	average	ADJ
cblr-1712	644	3	,	,	PUNCT
cblr-1712	644	4	attorneys	attorney	NOUN
cblr-1712	644	5	’	'	PUNCT
cblr-1712	644	6	fees	fee	NOUN
cblr-1712	644	7	in	in	ADP
cblr-1712	644	8	formality	formality	NOUN
cblr-1712	644	9	fdcpa	fdcpa	NOUN
cblr-1712	644	10	cases	case	NOUN
cblr-1712	644	11	equal	equal	VERB
cblr-1712	644	12	the	the	DET
cblr-1712	644	13	actual	actual	ADJ
cblr-1712	644	14	aggregate	aggregate	ADJ
cblr-1712	644	15	amount	amount	NOUN
cblr-1712	644	16	paid	pay	VERB
cblr-1712	644	17	to	to	ADP
cblr-1712	644	18	the	the	DET
cblr-1712	644	19	class.139	class.139	PROPN
cblr-1712	644	20	139	139	NUM
cblr-1712	644	21	the	the	DET
cblr-1712	644	22	net	net	ADJ
cblr-1712	644	23	worth	worth	ADJ
cblr-1712	644	24	limitation	limitation	NOUN
cblr-1712	644	25	was	be	AUX
cblr-1712	644	26	mentioned	mention	VERB
cblr-1712	644	27	in	in	ADP
cblr-1712	644	28	memoranda	memoranda	NOUN
cblr-1712	644	29	arguing	argue	VERB
cblr-1712	644	30	for	for	ADP
cblr-1712	644	31	judicial	judicial	ADJ
cblr-1712	644	32	approval	approval	NOUN
cblr-1712	644	33	of	of	ADP
cblr-1712	644	34	the	the	DET
cblr-1712	644	35	class	class	NOUN
cblr-1712	644	36	settlement	settlement	NOUN
cblr-1712	644	37	in	in	ADP
cblr-1712	644	38	87	87	NUM
cblr-1712	644	39	%	%	NOUN
cblr-1712	644	40	of	of	ADP
cblr-1712	644	41	fdcpa	fdcpa	NOUN
cblr-1712	644	42	formality	formality	NOUN
cblr-1712	644	43	violation	violation	NOUN
cblr-1712	644	44	class	class	NOUN
cblr-1712	644	45	settlements	settlement	NOUN
cblr-1712	644	46	,	,	PUNCT
cblr-1712	644	47	versus	versus	ADP
cblr-1712	644	48	in	in	ADP
cblr-1712	644	49	only	only	ADV
cblr-1712	644	50	33	33	NUM
cblr-1712	644	51	%	%	NOUN
cblr-1712	644	52	of	of	ADP
cblr-1712	644	53	bad	bad	ADJ
cblr-1712	644	54	debt	debt	NOUN
cblr-1712	644	55	fdcpa	fdcpa	NOUN
cblr-1712	644	56	class	class	NOUN
cblr-1712	644	57	settlements	settlement	NOUN
cblr-1712	644	58	(	(	PUNCT
cblr-1712	644	59	the	the	DET
cblr-1712	644	60	only	only	ADJ
cblr-1712	644	61	other	other	ADJ
cblr-1712	644	62	fdcpa	fdcpa	NOUN
cblr-1712	644	63	case	case	NOUN
cblr-1712	644	64	with	with	ADP
cblr-1712	644	65	more	more	ADJ
cblr-1712	644	66	than	than	ADP
cblr-1712	644	67	one	one	NUM
cblr-1712	644	68	class	class	NOUN
cblr-1712	644	69	settlement	settlement	NOUN
cblr-1712	644	70	)	)	PUNCT
cblr-1712	644	71	.	.	PUNCT
cblr-1712	645	1	with	with	ADP
cblr-1712	645	2	z	z	PROPN
cblr-1712	645	3	=	=	SYM
cblr-1712	645	4	2.06	2.06	NUM
cblr-1712	645	5	,	,	PUNCT
cblr-1712	645	6	this	this	DET
cblr-1712	645	7	difference	difference	NOUN
cblr-1712	645	8	is	be	AUX
cblr-1712	645	9	significant	significant	ADJ
cblr-1712	645	10	at	at	ADP
cblr-1712	645	11	the	the	DET
cblr-1712	645	12	.02	.02	NUM
cblr-1712	645	13	level	level	NOUN
cblr-1712	645	14	.	.	PUNCT
cblr-1712	646	1	the	the	DET
cblr-1712	646	2	formality	formality	NOUN
cblr-1712	646	3	class	class	NOUN
cblr-1712	646	4	settlements	settlement	NOUN
cblr-1712	646	5	with	with	ADP
cblr-1712	646	6	approval	approval	NOUN
cblr-1712	646	7	memoranda	memorandum	NOUN
cblr-1712	646	8	justifying	justify	VERB
cblr-1712	646	9	the	the	DET
cblr-1712	646	10	settlement	settlement	NOUN
cblr-1712	646	11	by	by	ADP
cblr-1712	646	12	reference	reference	NOUN
cblr-1712	646	13	to	to	ADP
cblr-1712	646	14	the	the	DET
cblr-1712	646	15	net	net	ADJ
cblr-1712	646	16	worth	worth	ADJ
cblr-1712	646	17	limitation	limitation	NOUN
cblr-1712	646	18	are	be	AUX
cblr-1712	646	19	tuntevich	tuntevich	NOUN
cblr-1712	646	20	v.	v.	CCONJ
cblr-1712	646	21	levenfeld	levenfeld	PROPN
cblr-1712	646	22	pearlstein	pearlstein	PROPN
cblr-1712	646	23	,	,	PUNCT
cblr-1712	646	24	llc	llc	PROPN
cblr-1712	646	25	,	,	PUNCT
cblr-1712	646	26	no	no	DET
cblr-1712	646	27	10	10	NUM
cblr-1712	646	28	-	-	PUNCT
cblr-1712	646	29	cv-02093	cv-02093	NOUN
cblr-1712	646	30	(	(	PUNCT
cblr-1712	646	31	n.d	n.d	PROPN
cblr-1712	646	32	.	.	PROPN
cblr-1712	646	33	ill	ill	PROPN
cblr-1712	646	34	.	.	PROPN
cblr-1712	646	35	2010	2010	NUM
cblr-1712	646	36	)	)	PUNCT
cblr-1712	646	37	,	,	PUNCT
cblr-1712	646	38	pawelczak	pawelczak	PROPN
cblr-1712	646	39	v.	v.	ADP
cblr-1712	646	40	bureau	bureau	PROPN
cblr-1712	646	41	of	of	ADP
cblr-1712	646	42	collection	collection	NOUN
cblr-1712	646	43	recovery	recovery	NOUN
cblr-1712	646	44	,	,	PUNCT
cblr-1712	646	45	llc	llc	PROPN
cblr-1712	646	46	,	,	PUNCT
cblr-1712	646	47	no	no	INTJ
cblr-1712	646	48	.	.	NOUN
cblr-1712	646	49	11	11	NUM
cblr-1712	646	50	-	-	PUNCT
cblr-1712	646	51	cv-01415	cv-01415	NOUN
cblr-1712	646	52	(	(	PUNCT
cblr-1712	646	53	n.d	n.d	PROPN
cblr-1712	646	54	.	.	PROPN
cblr-1712	646	55	ill	ill	PROPN
cblr-1712	646	56	.	.	PROPN
cblr-1712	646	57	2011	2011	NUM
cblr-1712	646	58	)	)	PUNCT
cblr-1712	646	59	,	,	PUNCT
cblr-1712	646	60	pawelczak	pawelczak	PROPN
cblr-1712	646	61	v.	v.	ADP
cblr-1712	646	62	financial	financial	ADJ
cblr-1712	646	63	recovery	recovery	NOUN
cblr-1712	646	64	services	services	PROPN
cblr-1712	646	65	,	,	PUNCT
cblr-1712	646	66	inc	inc	PROPN
cblr-1712	646	67	.	.	PUNCT
cblr-1712	647	1	no	no	INTJ
cblr-1712	647	2	.	.	NOUN
cblr-1712	648	1	11	11	NUM
cblr-1712	648	2	-	-	PUNCT
cblr-1712	648	3	cv-02214	cv-02214	ADJ
cblr-1712	648	4	(	(	PUNCT
cblr-1712	648	5	n.d	n.d	PROPN
cblr-1712	648	6	.	.	PROPN
cblr-1712	648	7	ill	ill	PROPN
cblr-1712	648	8	.	.	PROPN
cblr-1712	648	9	2011	2011	NUM
cblr-1712	648	10	)	)	PUNCT
cblr-1712	648	11	,	,	PUNCT
cblr-1712	648	12	braatz	braatz	ADV
cblr-1712	648	13	v.	v.	ADP
cblr-1712	648	14	leading	lead	VERB
cblr-1712	648	15	edge	edge	NOUN
cblr-1712	648	16	recovery	recovery	NOUN
cblr-1712	648	17	solutions	solution	NOUN
cblr-1712	648	18	,	,	PUNCT
cblr-1712	648	19	inc	inc	PROPN
cblr-1712	648	20	.	.	PROPN
cblr-1712	648	21	,	,	PUNCT
cblr-1712	648	22	no	no	INTJ
cblr-1712	648	23	.	.	NOUN
cblr-1712	649	1	11	11	NUM
cblr-1712	649	2	-	-	PUNCT
cblr-1712	649	3	cv-03835	cv-03835	NOUN
cblr-1712	649	4	(	(	PUNCT
cblr-1712	649	5	n.d	n.d	PROPN
cblr-1712	649	6	.	.	PROPN
cblr-1712	649	7	ill	ill	PROPN
cblr-1712	649	8	.	.	PROPN
cblr-1712	649	9	2011	2011	NUM
cblr-1712	649	10	)	)	PUNCT
cblr-1712	649	11	,	,	PUNCT
cblr-1712	649	12	walls	wall	NOUN
cblr-1712	649	13	v.	v.	ADP
cblr-1712	649	14	united	united	PROPN
cblr-1712	649	15	collection	collection	PROPN
cblr-1712	649	16	bureau	bureau	PROPN
cblr-1712	649	17	,	,	PUNCT
cblr-1712	649	18	inc	inc	PROPN
cblr-1712	649	19	.	.	PROPN
cblr-1712	649	20	,	,	PUNCT
cblr-1712	649	21	no	no	INTJ
cblr-1712	649	22	.	.	NOUN
cblr-1712	650	1	11	11	NUM
cblr-1712	650	2	-	-	PUNCT
cblr-1712	650	3	cv-06026	cv-06026	PROPN
cblr-1712	650	4	(	(	PUNCT
cblr-1712	650	5	n.d	n.d	PROPN
cblr-1712	650	6	.	.	PROPN
cblr-1712	650	7	ill	ill	PROPN
cblr-1712	650	8	.	.	PROPN
cblr-1712	650	9	2011	2011	NUM
cblr-1712	650	10	)	)	PUNCT
cblr-1712	650	11	,	,	PUNCT
cblr-1712	650	12	rice	rice	NOUN
cblr-1712	650	13	v.	v.	ADP
cblr-1712	650	14	praxis	praxis	ADJ
cblr-1712	650	15	financial	financial	ADJ
cblr-1712	650	16	solutions	solutions	PROPN
cblr-1712	650	17	,	,	PUNCT
cblr-1712	650	18	inc	inc	PROPN
cblr-1712	650	19	.	.	PROPN
cblr-1712	650	20	,	,	PUNCT
cblr-1712	650	21	no	no	DET
cblr-1712	650	22	11	11	NUM
cblr-1712	650	23	-	-	PUNCT
cblr-1712	650	24	cv-08488	cv-08488	NOUN
cblr-1712	650	25	(	(	PUNCT
cblr-1712	650	26	n.d	n.d	PROPN
cblr-1712	650	27	.	.	PROPN
cblr-1712	650	28	ill	ill	PROPN
cblr-1712	650	29	.	.	PROPN
cblr-1712	650	30	2011	2011	NUM
cblr-1712	650	31	)	)	PUNCT
cblr-1712	650	32	,	,	PUNCT
cblr-1712	650	33	wilfong	wilfong	NOUN
cblr-1712	650	34	v.	v.	ADP
cblr-1712	650	35	national	national	PROPN
cblr-1712	650	36	capital	capital	PROPN
cblr-1712	650	37	management	management	PROPN
cblr-1712	650	38	,	,	PUNCT
cblr-1712	650	39	llc	llc	PROPN
cblr-1712	650	40	,	,	PUNCT
cblr-1712	650	41	no	no	INTJ
cblr-1712	650	42	.	.	NOUN
cblr-1712	650	43	12	12	NUM
cblr-1712	650	44	-	-	PUNCT
cblr-1712	650	45	cv02979	cv02979	NOUN
cblr-1712	650	46	(	(	PUNCT
cblr-1712	650	47	n.d	n.d	PROPN
cblr-1712	650	48	.	.	PROPN
cblr-1712	650	49	ill	ill	PROPN
cblr-1712	650	50	.	.	PROPN
cblr-1712	650	51	2012	2012	NUM
cblr-1712	650	52	)	)	PUNCT
cblr-1712	650	53	,	,	PUNCT
cblr-1712	650	54	repika	repika	X
cblr-1712	650	55	v.	v.	CCONJ
cblr-1712	650	56	accelerated	accelerate	VERB
cblr-1712	650	57	financial	financial	ADJ
cblr-1712	650	58	solutions	solution	NOUN
cblr-1712	650	59	,	,	PUNCT
cblr-1712	650	60	llc	llc	PROPN
cblr-1712	650	61	,	,	PUNCT
cblr-1712	650	62	no	no	INTJ
cblr-1712	650	63	.	.	NOUN
cblr-1712	650	64	12	12	NUM
cblr-1712	650	65	-	-	PUNCT
cblr-1712	650	66	cv-04290	cv-04290	ADJ
cblr-1712	650	67	(	(	PUNCT
cblr-1712	650	68	n.d	n.d	PROPN
cblr-1712	650	69	.	.	PROPN
cblr-1712	650	70	ill	ill	PROPN
cblr-1712	650	71	.	.	PROPN
cblr-1712	650	72	2012	2012	NUM
cblr-1712	650	73	)	)	PUNCT
cblr-1712	650	74	,	,	PUNCT
cblr-1712	650	75	glover	glover	PROPN
cblr-1712	650	76	v.	v.	PROPN
cblr-1712	650	77	alpha	alpha	PROPN
cblr-1712	650	78	recovery	recovery	PROPN
cblr-1712	650	79	corp	corp	PROPN
cblr-1712	650	80	.	.	PROPN
cblr-1712	650	81	,	,	PUNCT
cblr-1712	650	82	no	no	INTJ
cblr-1712	650	83	.	.	PUNCT
cblr-1712	651	1	12cv-04355	12cv-04355	NUM
cblr-1712	651	2	(	(	PUNCT
cblr-1712	651	3	n.d	n.d	PROPN
cblr-1712	651	4	.	.	PROPN
cblr-1712	651	5	ill	ill	ADJ
cblr-1712	651	6	2012	2012	NUM
cblr-1712	651	7	)	)	PUNCT
cblr-1712	651	8	,	,	PUNCT
cblr-1712	651	9	kallenhorn	kallenhorn	PROPN
cblr-1712	651	10	v.	v.	ADP
cblr-1712	651	11	j.c	j.c	PROPN
cblr-1712	651	12	.	.	PROPN
cblr-1712	651	13	christensen	christensen	PROPN
cblr-1712	651	14	associates	associates	PROPN
cblr-1712	651	15	,	,	PUNCT
cblr-1712	651	16	inc	inc	PROPN
cblr-1712	651	17	.	.	PROPN
cblr-1712	651	18	,	,	PUNCT
cblr-1712	652	1	no	no	INTJ
cblr-1712	652	2	.	.	NOUN
cblr-1712	652	3	12	12	NUM
cblr-1712	652	4	-	-	PUNCT
cblr-1712	652	5	c	c	NOUN
cblr-1712	652	6	-	-	PUNCT
cblr-1712	652	7	v06056	v06056	NUM
cblr-1712	652	8	(	(	PUNCT
cblr-1712	652	9	n.d	n.d	PROPN
cblr-1712	652	10	.	.	PROPN
cblr-1712	652	11	ill	ill	PROPN
cblr-1712	652	12	.	.	PROPN
cblr-1712	652	13	2012	2012	NUM
cblr-1712	652	14	)	)	PUNCT
cblr-1712	652	15	,	,	PUNCT
cblr-1712	652	16	halliday	halliday	PROPN
cblr-1712	652	17	v.	v.	ADP
cblr-1712	652	18	law	law	NOUN
cblr-1712	652	19	offices	office	NOUN
cblr-1712	652	20	of	of	ADP
cblr-1712	652	21	david	david	PROPN
cblr-1712	652	22	a.	a.	PROPN
cblr-1712	652	23	kolb	kolb	PROPN
cblr-1712	652	24	,	,	PUNCT
cblr-1712	652	25	p.c	p.c	PROPN
cblr-1712	652	26	.	.	PROPN
cblr-1712	652	27	,	,	PUNCT
cblr-1712	652	28	no	no	INTJ
cblr-1712	652	29	.	.	NOUN
cblr-1712	652	30	12	12	NUM
cblr-1712	652	31	-	-	PUNCT
cblr-1712	652	32	cv-06705	cv-06705	NOUN
cblr-1712	652	33	(	(	PUNCT
cblr-1712	652	34	n.d	n.d	PROPN
cblr-1712	652	35	.	.	PROPN
cblr-1712	652	36	ill	ill	PROPN
cblr-1712	652	37	.	.	PROPN
cblr-1712	652	38	2012	2012	NUM
cblr-1712	652	39	)	)	PUNCT
cblr-1712	652	40	,	,	PUNCT
cblr-1712	652	41	smith	smith	PROPN
cblr-1712	652	42	v.	v.	PROPN
cblr-1712	652	43	j.c	j.c	PROPN
cblr-1712	652	44	.	.	PROPN
cblr-1712	652	45	christensen	christensen	PROPN
cblr-1712	652	46	&	&	CCONJ
cblr-1712	652	47	associates	associates	PROPN
cblr-1712	652	48	,	,	PUNCT
cblr-1712	652	49	inc	inc	PROPN
cblr-1712	652	50	.	.	PROPN
cblr-1712	652	51	,	,	PUNCT
cblr-1712	652	52	no	no	INTJ
cblr-1712	652	53	.	.	NOUN
cblr-1712	653	1	12	12	NUM
cblr-1712	653	2	-	-	PUNCT
cblr-1712	653	3	cv-07023	cv-07023	PROPN
cblr-1712	653	4	(	(	PUNCT
cblr-1712	653	5	n.d	n.d	PROPN
cblr-1712	653	6	.	.	PROPN
cblr-1712	653	7	ill	ill	PROPN
cblr-1712	653	8	.	.	PROPN
cblr-1712	653	9	2012	2012	NUM
cblr-1712	653	10	)	)	PUNCT
cblr-1712	653	11	,	,	PUNCT
cblr-1712	653	12	and	and	CCONJ
cblr-1712	653	13	kalish	kalish	PROPN
cblr-1712	653	14	v.	v.	PROPN
cblr-1712	653	15	transworld	transworld	PROPN
cblr-1712	653	16	systems	system	NOUN
cblr-1712	653	17	,	,	PUNCT
cblr-1712	653	18	no	no	INTJ
cblr-1712	653	19	.	.	NOUN
cblr-1712	654	1	12	12	NUM
cblr-1712	654	2	-	-	PUNCT
cblr-1712	654	3	cv-08614	cv-08614	NOUN
cblr-1712	654	4	(	(	PUNCT
cblr-1712	654	5	n.d	n.d	PROPN
cblr-1712	654	6	.	.	PROPN
cblr-1712	654	7	ill	ill	PROPN
cblr-1712	654	8	.	.	PROPN
cblr-1712	654	9	2012	2012	NUM
cblr-1712	654	10	)	)	PUNCT
cblr-1712	654	11	,	,	PUNCT
cblr-1712	654	12	while	while	SCONJ
cblr-1712	654	13	the	the	DET
cblr-1712	654	14	formality	formality	NOUN
cblr-1712	654	15	settlements	settlement	NOUN
cblr-1712	654	16	whose	whose	DET
cblr-1712	654	17	approval	approval	NOUN
cblr-1712	654	18	memoranda	memoranda	NOUN
cblr-1712	654	19	do	do	AUX
cblr-1712	654	20	not	not	PART
cblr-1712	654	21	mention	mention	VERB
cblr-1712	654	22	the	the	DET
cblr-1712	654	23	net	net	ADJ
cblr-1712	654	24	worth	worth	ADJ
cblr-1712	654	25	limitation	limitation	NOUN
cblr-1712	654	26	are	be	AUX
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cblr-1712	654	28	v.	v.	ADP
cblr-1712	654	29	weltman	weltman	PROPN
cblr-1712	654	30	,	,	PUNCT
cblr-1712	654	31	weinberg	weinberg	PROPN
cblr-1712	654	32	&	&	CCONJ
cblr-1712	654	33	reis	reis	PROPN
cblr-1712	654	34	co.	co.	PROPN
cblr-1712	654	35	,	,	PUNCT
cblr-1712	654	36	no	no	INTJ
cblr-1712	654	37	.	.	NOUN
cblr-1712	655	1	10	10	NUM
cblr-1712	655	2	-	-	PUNCT
cblr-1712	655	3	cv-04619	cv-04619	NOUN
cblr-1712	655	4	(	(	PUNCT
cblr-1712	655	5	n.d	n.d	PROPN
cblr-1712	655	6	.	.	PROPN
cblr-1712	655	7	ill	ill	PROPN
cblr-1712	655	8	.	.	PUNCT
cblr-1712	656	1	johnston	johnston	PROPN
cblr-1712	656	2	–	–	PUNCT
cblr-1712	656	3	final	final	ADJ
cblr-1712	656	4	56	56	NUM
cblr-1712	656	5	columbia	columbia	PROPN
cblr-1712	656	6	business	business	NOUN
cblr-1712	656	7	law	law	PROPN
cblr-1712	656	8	review	review	NOUN
cblr-1712	657	1	[	[	X
cblr-1712	657	2	vol	vol	NOUN
cblr-1712	657	3	.	.	NOUN
cblr-1712	657	4	2017	2017	NUM
cblr-1712	657	5	figure	figure	NOUN
cblr-1712	657	6	10	10	NUM
cblr-1712	657	7	.	.	PUNCT
cblr-1712	658	1	fdcpa	fdcpa	PROPN
cblr-1712	658	2	attorneys	attorney	NOUN
cblr-1712	658	3	’	'	PUNCT
cblr-1712	658	4	fees	fee	NOUN
cblr-1712	658	5	as	as	ADP
cblr-1712	658	6	fraction	fraction	NOUN
cblr-1712	658	7	of	of	ADP
cblr-1712	658	8	nominal	nominal	ADJ
cblr-1712	658	9	settlement	settlement	NOUN
cblr-1712	658	10	amount	amount	NOUN
cblr-1712	658	11	and	and	CCONJ
cblr-1712	658	12	actual	actual	ADJ
cblr-1712	658	13	aggregate	aggregate	NOUN
cblr-1712	658	14	compensation	compensation	NOUN
cblr-1712	658	15	paid	pay	VERB
cblr-1712	658	16	to	to	ADP
cblr-1712	658	17	class	class	NOUN
cblr-1712	658	18	members	member	NOUN
cblr-1712	658	19	3	3	NUM
cblr-1712	658	20	.	.	PUNCT
cblr-1712	658	21	telephone	telephone	NOUN
cblr-1712	658	22	consumer	consumer	NOUN
cblr-1712	658	23	protection	protection	NOUN
cblr-1712	658	24	act	act	VERB
cblr-1712	658	25	the	the	DET
cblr-1712	658	26	tcpa	tcpa	NOUN
cblr-1712	658	27	prohibits	prohibit	NOUN
cblr-1712	658	28	autodialed	autodiale	VERB
cblr-1712	658	29	telephone	telephone	NOUN
cblr-1712	658	30	calls	call	NOUN
cblr-1712	658	31	,	,	PUNCT
cblr-1712	658	32	faxes	fax	NOUN
cblr-1712	658	33	,	,	PUNCT
cblr-1712	658	34	and	and	CCONJ
cblr-1712	658	35	emails	email	NOUN
cblr-1712	658	36	if	if	SCONJ
cblr-1712	658	37	the	the	DET
cblr-1712	658	38	recipient	recipient	NOUN
cblr-1712	658	39	has	have	AUX
cblr-1712	658	40	not	not	PART
cblr-1712	658	41	given	give	VERB
cblr-1712	658	42	prior	prior	ADJ
cblr-1712	658	43	consent.140	consent.140	NOUN
cblr-1712	658	44	the	the	DET
cblr-1712	658	45	2010	2010	NUM
cblr-1712	658	46	)	)	PUNCT
cblr-1712	658	47	and	and	CCONJ
cblr-1712	658	48	krenzelak	krenzelak	NOUN
cblr-1712	658	49	v.	v.	ADP
cblr-1712	658	50	the	the	DET
cblr-1712	658	51	brachfield	brachfield	ADJ
cblr-1712	658	52	law	law	NOUN
cblr-1712	658	53	group	group	NOUN
cblr-1712	658	54	,	,	PUNCT
cblr-1712	658	55	no	no	INTJ
cblr-1712	658	56	.	.	NOUN
cblr-1712	659	1	12	12	NUM
cblr-1712	659	2	-	-	PUNCT
cblr-1712	659	3	cv-03325	cv-03325	PROPN
cblr-1712	659	4	(	(	PUNCT
cblr-1712	659	5	n.d	n.d	PROPN
cblr-1712	659	6	.	.	PROPN
cblr-1712	659	7	ill	ill	PROPN
cblr-1712	659	8	.	.	PROPN
cblr-1712	659	9	2012	2012	NUM
cblr-1712	659	10	)	)	PUNCT
cblr-1712	659	11	.	.	PUNCT
cblr-1712	660	1	for	for	ADP
cblr-1712	660	2	the	the	DET
cblr-1712	660	3	most	most	ADV
cblr-1712	660	4	common	common	ADJ
cblr-1712	660	5	non	non	ADJ
cblr-1712	660	6	-	-	ADJ
cblr-1712	660	7	formality	formality	ADJ
cblr-1712	660	8	class	class	NOUN
cblr-1712	660	9	settlement	settlement	NOUN
cblr-1712	660	10	,	,	PUNCT
cblr-1712	660	11	bad	bad	ADJ
cblr-1712	660	12	debt	debt	NOUN
cblr-1712	660	13	settlements	settlement	NOUN
cblr-1712	660	14	that	that	PRON
cblr-1712	660	15	do	do	AUX
cblr-1712	660	16	mention	mention	VERB
cblr-1712	660	17	that	that	SCONJ
cblr-1712	660	18	net	net	ADJ
cblr-1712	660	19	worth	worth	ADJ
cblr-1712	660	20	limitation	limitation	NOUN
cblr-1712	660	21	in	in	ADP
cblr-1712	660	22	the	the	DET
cblr-1712	660	23	memoranda	memoranda	NOUN
cblr-1712	660	24	justifying	justify	VERB
cblr-1712	660	25	approval	approval	NOUN
cblr-1712	660	26	are	be	AUX
cblr-1712	660	27	wysocki	wysocki	PROPN
cblr-1712	660	28	v.	v.	ADP
cblr-1712	660	29	city	city	PROPN
cblr-1712	660	30	national	national	PROPN
cblr-1712	660	31	bank	bank	PROPN
cblr-1712	660	32	,	,	PUNCT
cblr-1712	660	33	no	no	INTJ
cblr-1712	660	34	.	.	NOUN
cblr-1712	660	35	10	10	NUM
cblr-1712	660	36	-	-	PUNCT
cblr-1712	660	37	cv-03850	cv-03850	PROPN
cblr-1712	660	38	(	(	PUNCT
cblr-1712	660	39	nd	nd	NOUN
cblr-1712	660	40	.	.	PROPN
cblr-1712	660	41	ill	ill	PROPN
cblr-1712	660	42	.	.	PROPN
cblr-1712	660	43	2010	2010	NUM
cblr-1712	660	44	)	)	PUNCT
cblr-1712	660	45	and	and	CCONJ
cblr-1712	660	46	jones	jones	PROPN
cblr-1712	660	47	v.	v.	PROPN
cblr-1712	660	48	national	national	ADJ
cblr-1712	660	49	credit	credit	NOUN
cblr-1712	660	50	adjusters	adjuster	NOUN
cblr-1712	660	51	,	,	PUNCT
cblr-1712	660	52	llc	llc	PROPN
cblr-1712	660	53	,	,	PUNCT
cblr-1712	660	54	no	no	NOUN
cblr-1712	660	55	.	.	NOUN
cblr-1712	660	56	10	10	NUM
cblr-1712	660	57	-	-	PUNCT
cblr-1712	660	58	cv0802	cv0802	PROPN
cblr-1712	660	59	(	(	PUNCT
cblr-1712	660	60	n.d	n.d	PROPN
cblr-1712	660	61	.	.	PROPN
cblr-1712	660	62	ill	ill	PROPN
cblr-1712	660	63	.	.	PROPN
cblr-1712	660	64	2010	2010	NUM
cblr-1712	660	65	)	)	PUNCT
cblr-1712	660	66	,	,	PUNCT
cblr-1712	660	67	while	while	SCONJ
cblr-1712	660	68	bad	bad	ADJ
cblr-1712	660	69	debt	debt	NOUN
cblr-1712	660	70	settlements	settlement	NOUN
cblr-1712	660	71	that	that	PRON
cblr-1712	660	72	do	do	AUX
cblr-1712	660	73	not	not	PART
cblr-1712	660	74	mention	mention	VERB
cblr-1712	660	75	the	the	DET
cblr-1712	660	76	net	net	ADJ
cblr-1712	660	77	worth	worth	ADJ
cblr-1712	660	78	limit	limit	NOUN
cblr-1712	660	79	are	be	AUX
cblr-1712	660	80	skusenas	skusena	NOUN
cblr-1712	660	81	v.	v.	ADP
cblr-1712	660	82	lindebarger	lindebarger	X
cblr-1712	660	83	et	et	PROPN
cblr-1712	660	84	al	al	PROPN
cblr-1712	660	85	.	.	PROPN
cblr-1712	660	86	,	,	PUNCT
cblr-1712	661	1	no	no	INTJ
cblr-1712	661	2	.	.	NOUN
cblr-1712	661	3	10	10	NUM
cblr-1712	661	4	-	-	PUNCT
cblr-1712	661	5	cv-08119	cv-08119	NOUN
cblr-1712	661	6	(	(	PUNCT
cblr-1712	661	7	n.d	n.d	PROPN
cblr-1712	661	8	.	.	PROPN
cblr-1712	661	9	ill	ill	PROPN
cblr-1712	661	10	.	.	PROPN
cblr-1712	661	11	2010	2010	NUM
cblr-1712	661	12	)	)	PUNCT
cblr-1712	661	13	,	,	PUNCT
cblr-1712	661	14	schallhammer	schallhammer	NOUN
cblr-1712	661	15	v.	v.	ADP
cblr-1712	661	16	gateway	gateway	PROPN
cblr-1712	661	17	recovery	recovery	NOUN
cblr-1712	661	18	assoc	assoc	PROPN
cblr-1712	661	19	.	.	PROPN
cblr-1712	661	20	,	,	PUNCT
cblr-1712	661	21	inc	inc	PROPN
cblr-1712	661	22	.	.	PROPN
cblr-1712	661	23	,	,	PUNCT
cblr-1712	661	24	no	no	DET
cblr-1712	661	25	11	11	NUM
cblr-1712	661	26	-	-	PUNCT
cblr-1712	661	27	cv-00621	cv-00621	PROPN
cblr-1712	661	28	(	(	PUNCT
cblr-1712	661	29	n.d	n.d	PROPN
cblr-1712	661	30	.	.	PROPN
cblr-1712	661	31	ill	ill	PROPN
cblr-1712	661	32	.	.	PROPN
cblr-1712	661	33	2011	2011	NUM
cblr-1712	661	34	)	)	PUNCT
cblr-1712	661	35	,	,	PUNCT
cblr-1712	661	36	stumpf	stumpf	PROPN
cblr-1712	661	37	v.	v.	ADP
cblr-1712	661	38	pyod	pyod	PROPN
cblr-1712	661	39	,	,	PUNCT
cblr-1712	661	40	llc	llc	PROPN
cblr-1712	661	41	,	,	PUNCT
cblr-1712	661	42	no	no	INTJ
cblr-1712	661	43	.	.	NOUN
cblr-1712	661	44	12	12	NUM
cblr-1712	661	45	-	-	PUNCT
cblr-1712	661	46	cv-04688	cv-04688	NOUN
cblr-1712	661	47	(	(	PUNCT
cblr-1712	661	48	n.d	n.d	PROPN
cblr-1712	661	49	.	.	PROPN
cblr-1712	661	50	ill	ill	PROPN
cblr-1712	661	51	.	.	PROPN
cblr-1712	661	52	2012	2012	NUM
cblr-1712	661	53	)	)	PUNCT
cblr-1712	661	54	,	,	PUNCT
cblr-1712	661	55	and	and	CCONJ
cblr-1712	661	56	grandalski	grandalski	PROPN
cblr-1712	661	57	v.	v.	PROPN
cblr-1712	661	58	encore	encore	PROPN
cblr-1712	661	59	receivable	receivable	PROPN
cblr-1712	661	60	management	management	PROPN
cblr-1712	661	61	inc	inc	PROPN
cblr-1712	661	62	.	.	PROPN
cblr-1712	661	63	,	,	PUNCT
cblr-1712	662	1	no	no	INTJ
cblr-1712	662	2	.	.	NOUN
cblr-1712	662	3	12	12	NUM
cblr-1712	662	4	-	-	PUNCT
cblr-1712	662	5	cv-05423	cv-05423	NOUN
cblr-1712	662	6	(	(	PUNCT
cblr-1712	662	7	n.d	n.d	PROPN
cblr-1712	662	8	.	.	PROPN
cblr-1712	662	9	ill	ill	ADJ
cblr-1712	662	10	2012	2012	NUM
cblr-1712	662	11	)	)	PUNCT
cblr-1712	662	12	.	.	PUNCT
cblr-1712	663	1	further	further	ADJ
cblr-1712	663	2	details	detail	NOUN
cblr-1712	663	3	on	on	ADP
cblr-1712	663	4	these	these	DET
cblr-1712	663	5	settlements	settlement	NOUN
cblr-1712	663	6	can	can	AUX
cblr-1712	663	7	be	be	AUX
cblr-1712	663	8	found	find	VERB
cblr-1712	663	9	in	in	ADP
cblr-1712	663	10	the	the	DET
cblr-1712	663	11	filing	filing	NOUN
cblr-1712	663	12	details	detail	NOUN
cblr-1712	663	13	descriptions	description	NOUN
cblr-1712	663	14	available	available	ADJ
cblr-1712	663	15	at	at	ADP
cblr-1712	663	16	http://dx.doi.org/10.18130/v3/wr4rf9	http://dx.doi.org/10.18130/v3/wr4rf9	PROPN
cblr-1712	663	17	.	.	PROPN
cblr-1712	663	18	140	140	NUM
cblr-1712	663	19	with	with	ADP
cblr-1712	663	20	exceptions	exception	NOUN
cblr-1712	663	21	discussed	discuss	VERB
cblr-1712	663	22	below	below	ADV
cblr-1712	663	23	,	,	PUNCT
cblr-1712	663	24	the	the	DET
cblr-1712	663	25	tcpa	tcpa	NOUN
cblr-1712	663	26	makes	make	VERB
cblr-1712	663	27	it	it	PRON
cblr-1712	663	28	unlawful	unlawful	ADJ
cblr-1712	663	29	:	:	PUNCT
cblr-1712	663	30	johnston	johnston	PROPN
cblr-1712	663	31	–	–	PUNCT
cblr-1712	663	32	final	final	ADJ
cblr-1712	663	33	no	no	NOUN
cblr-1712	663	34	.	.	NOUN
cblr-1712	663	35	1:1	1:1	NUM
cblr-1712	663	36	]	]	X
cblr-1712	663	37	high	high	ADJ
cblr-1712	663	38	cost	cost	NOUN
cblr-1712	663	39	,	,	PUNCT
cblr-1712	663	40	little	little	ADJ
cblr-1712	663	41	compensation	compensation	NOUN
cblr-1712	663	42	57	57	NUM
cblr-1712	663	43	tcpa	tcpa	NOUN
cblr-1712	663	44	permits	permit	VERB
cblr-1712	663	45	such	such	ADJ
cblr-1712	663	46	communications	communication	NOUN
cblr-1712	663	47	in	in	ADP
cblr-1712	663	48	two	two	NUM
cblr-1712	663	49	discrete	discrete	ADJ
cblr-1712	663	50	circumstances	circumstance	NOUN
cblr-1712	663	51	:	:	PUNCT
cblr-1712	663	52	(	(	PUNCT
cblr-1712	663	53	1	1	X
cblr-1712	663	54	)	)	PUNCT
cblr-1712	663	55	if	if	SCONJ
cblr-1712	663	56	the	the	DET
cblr-1712	663	57	recipient	recipient	NOUN
cblr-1712	663	58	voluntarily	voluntarily	ADV
cblr-1712	663	59	gave	give	VERB
cblr-1712	663	60	the	the	DET
cblr-1712	663	61	sender	sender	NOUN
cblr-1712	663	62	his	his	PRON
cblr-1712	663	63	or	or	CCONJ
cblr-1712	663	64	her	her	PRON
cblr-1712	663	65	phone	phone	NOUN
cblr-1712	663	66	number	number	NOUN
cblr-1712	663	67	within	within	ADP
cblr-1712	663	68	the	the	DET
cblr-1712	663	69	context	context	NOUN
cblr-1712	663	70	of	of	ADP
cblr-1712	663	71	an	an	DET
cblr-1712	663	72	already	already	ADV
cblr-1712	663	73	-	-	PUNCT
cblr-1712	663	74	established	establish	VERB
cblr-1712	663	75	business	business	NOUN
cblr-1712	663	76	relationship	relationship	NOUN
cblr-1712	663	77	;	;	PUNCT
cblr-1712	663	78	or	or	CCONJ
cblr-1712	663	79	(	(	PUNCT
cblr-1712	663	80	2	2	X
cblr-1712	663	81	)	)	PUNCT
cblr-1712	663	82	if	if	SCONJ
cblr-1712	663	83	the	the	DET
cblr-1712	663	84	recipient	recipient	NOUN
cblr-1712	663	85	published	publish	VERB
cblr-1712	663	86	its	its	PRON
cblr-1712	663	87	fax	fax	NOUN
cblr-1712	663	88	number	number	NOUN
cblr-1712	663	89	on	on	ADP
cblr-1712	663	90	an	an	DET
cblr-1712	663	91	internet	internet	NOUN
cblr-1712	663	92	site.141	site.141	NOUN
cblr-1712	663	93	importantly	importantly	ADV
cblr-1712	663	94	,	,	PUNCT
cblr-1712	663	95	like	like	ADP
cblr-1712	663	96	the	the	DET
cblr-1712	663	97	other	other	ADJ
cblr-1712	663	98	federal	federal	ADJ
cblr-1712	663	99	consumer	consumer	NOUN
cblr-1712	663	100	protection	protection	NOUN
cblr-1712	663	101	statutes	statute	NOUN
cblr-1712	663	102	discussed	discuss	VERB
cblr-1712	663	103	in	in	ADP
cblr-1712	663	104	this	this	DET
cblr-1712	663	105	article	article	NOUN
cblr-1712	663	106	,	,	PUNCT
cblr-1712	663	107	the	the	DET
cblr-1712	663	108	tcpa	tcpa	NOUN
cblr-1712	663	109	allows	allow	VERB
cblr-1712	663	110	classaction	classaction	NOUN
cblr-1712	663	111	plaintiffs	plaintiff	NOUN
cblr-1712	663	112	to	to	PART
cblr-1712	663	113	claim	claim	VERB
cblr-1712	663	114	either	either	CCONJ
cblr-1712	663	115	actual	actual	ADJ
cblr-1712	663	116	damages	damage	NOUN
cblr-1712	663	117	or	or	CCONJ
cblr-1712	663	118	statutory	statutory	ADJ
cblr-1712	663	119	damages	damage	NOUN
cblr-1712	663	120	of	of	ADP
cblr-1712	663	121	$	$	SYM
cblr-1712	663	122	500	500	NUM
cblr-1712	663	123	without	without	ADP
cblr-1712	663	124	proof	proof	NOUN
cblr-1712	663	125	of	of	ADP
cblr-1712	663	126	injury	injury	NOUN
cblr-1712	663	127	.	.	PUNCT
cblr-1712	664	1	the	the	DET
cblr-1712	664	2	tcpa	tcpa	NOUN
cblr-1712	664	3	gives	give	VERB
cblr-1712	664	4	the	the	DET
cblr-1712	664	5	trial	trial	NOUN
cblr-1712	664	6	court	court	NOUN
cblr-1712	664	7	the	the	DET
cblr-1712	664	8	discretion	discretion	NOUN
cblr-1712	664	9	to	to	PART
cblr-1712	664	10	award	award	VERB
cblr-1712	664	11	treble	treble	ADJ
cblr-1712	664	12	damages	damage	NOUN
cblr-1712	664	13	,	,	PUNCT
cblr-1712	664	14	up	up	ADP
cblr-1712	664	15	to	to	PART
cblr-1712	664	16	$	$	SYM
cblr-1712	664	17	1500	1500	NUM
cblr-1712	664	18	per	per	ADP
cblr-1712	664	19	violation	violation	NOUN
cblr-1712	664	20	,	,	PUNCT
cblr-1712	664	21	if	if	SCONJ
cblr-1712	664	22	the	the	DET
cblr-1712	664	23	plaintiff	plaintiff	NOUN
cblr-1712	664	24	can	can	AUX
cblr-1712	664	25	prove	prove	VERB
cblr-1712	664	26	that	that	SCONJ
cblr-1712	664	27	the	the	DET
cblr-1712	664	28	defendant	defendant	NOUN
cblr-1712	664	29	“	"	PUNCT
cblr-1712	664	30	willfully	willfully	ADV
cblr-1712	664	31	or	or	CCONJ
cblr-1712	664	32	knowingly	knowingly	ADV
cblr-1712	664	33	”	"	PUNCT
cblr-1712	664	34	violated	violate	VERB
cblr-1712	664	35	the	the	DET
cblr-1712	664	36	statute	statute	NOUN
cblr-1712	664	37	.	.	PUNCT
cblr-1712	665	1	importantly	importantly	ADV
cblr-1712	665	2	,	,	PUNCT
cblr-1712	665	3	under	under	ADP
cblr-1712	665	4	the	the	DET
cblr-1712	665	5	tcpa	tcpa	NOUN
cblr-1712	665	6	,	,	PUNCT
cblr-1712	665	7	statutory	statutory	ADJ
cblr-1712	665	8	damages	damage	NOUN
cblr-1712	665	9	accrue	accrue	VERB
cblr-1712	665	10	per	per	ADP
cblr-1712	665	11	violation.142	violation.142	NOUN
cblr-1712	665	12	unlike	unlike	ADP
cblr-1712	665	13	the	the	DET
cblr-1712	665	14	other	other	ADJ
cblr-1712	665	15	statutory	statutory	ADJ
cblr-1712	665	16	causes	cause	NOUN
cblr-1712	665	17	of	of	ADP
cblr-1712	665	18	action	action	NOUN
cblr-1712	665	19	discussed	discuss	VERB
cblr-1712	665	20	here	here	ADV
cblr-1712	665	21	,	,	PUNCT
cblr-1712	665	22	because	because	SCONJ
cblr-1712	665	23	tcpa	tcpa	NOUN
cblr-1712	665	24	damages	damage	NOUN
cblr-1712	665	25	aggregate	aggregate	VERB
cblr-1712	665	26	across	across	ADP
cblr-1712	665	27	thousands	thousand	NOUN
cblr-1712	665	28	and	and	CCONJ
cblr-1712	665	29	in	in	ADP
cblr-1712	665	30	some	some	DET
cblr-1712	665	31	cases	case	NOUN
cblr-1712	665	32	millions	million	NOUN
cblr-1712	665	33	of	of	ADP
cblr-1712	665	34	unconsented	unconsented	PROPN
cblr-1712	665	35	autodialed	autodiale	VERB
cblr-1712	665	36	communications	communication	NOUN
cblr-1712	665	37	,	,	PUNCT
cblr-1712	665	38	tcpa	tcpa	NOUN
cblr-1712	665	39	class	class	NOUN
cblr-1712	665	40	actions	action	NOUN
cblr-1712	665	41	are	be	AUX
cblr-1712	665	42	often	often	ADV
cblr-1712	665	43	huge	huge	ADJ
cblr-1712	665	44	.	.	PUNCT
cblr-1712	666	1	on	on	ADP
cblr-1712	666	2	average	average	ADJ
cblr-1712	666	3	,	,	PUNCT
cblr-1712	666	4	each	each	PRON
cblr-1712	666	5	tcpa	tcpa	NOUN
cblr-1712	666	6	class	class	NOUN
cblr-1712	666	7	-	-	PUNCT
cblr-1712	666	8	action	action	NOUN
cblr-1712	666	9	settlement	settlement	NOUN
cblr-1712	666	10	in	in	ADP
cblr-1712	666	11	the	the	DET
cblr-1712	666	12	illinois	illinois	PROPN
cblr-1712	666	13	data	datum	NOUN
cblr-1712	666	14	contained	contain	VERB
cblr-1712	666	15	1,901,402	1,901,402	NUM
cblr-1712	666	16	class	class	NOUN
cblr-1712	666	17	members	member	NOUN
cblr-1712	666	18	.	.	PUNCT
cblr-1712	667	1	tcpa	tcpa	NOUN
cblr-1712	667	2	settlements	settlement	NOUN
cblr-1712	667	3	on	on	ADP
cblr-1712	667	4	average	average	ADJ
cblr-1712	667	5	produce	produce	VERB
cblr-1712	667	6	a	a	DET
cblr-1712	667	7	nominal	nominal	ADJ
cblr-1712	667	8	settlement	settlement	NOUN
cblr-1712	667	9	of	of	ADP
cblr-1712	667	10	$	$	SYM
cblr-1712	667	11	7,377,495	7,377,495	NUM
cblr-1712	667	12	and	and	CCONJ
cblr-1712	667	13	an	an	DET
cblr-1712	667	14	aggregate	aggregate	ADJ
cblr-1712	667	15	payout	payout	NOUN
cblr-1712	667	16	of	of	ADP
cblr-1712	667	17	$	$	SYM
cblr-1712	667	18	6,293,547	6,293,547	NUM
cblr-1712	667	19	(	(	PUNCT
cblr-1712	667	20	or	or	CCONJ
cblr-1712	667	21	85	85	NUM
cblr-1712	667	22	%	%	NOUN
cblr-1712	667	23	of	of	ADP
cblr-1712	667	24	the	the	DET
cblr-1712	667	25	average	average	ADJ
cblr-1712	667	26	nominal	nominal	ADJ
cblr-1712	667	27	settlement	settlement	NOUN
cblr-1712	667	28	)	)	PUNCT
cblr-1712	667	29	.	.	PUNCT
cblr-1712	668	1	attorneys	attorney	NOUN
cblr-1712	668	2	’	'	PUNCT
cblr-1712	668	3	fees	fee	NOUN
cblr-1712	668	4	average	average	VERB
cblr-1712	668	5	$	$	SYM
cblr-1712	668	6	2,225,213	2,225,213	NUM
cblr-1712	668	7	;	;	PUNCT
cblr-1712	668	8	however	however	ADV
cblr-1712	668	9	,	,	PUNCT
cblr-1712	668	10	the	the	DET
cblr-1712	668	11	time	time	NOUN
cblr-1712	668	12	between	between	ADP
cblr-1712	668	13	case	case	NOUN
cblr-1712	668	14	filing	filing	NOUN
cblr-1712	668	15	and	and	CCONJ
cblr-1712	668	16	judicial	judicial	ADJ
cblr-1712	668	17	approval	approval	NOUN
cblr-1712	668	18	to	to	PART
cblr-1712	668	19	make	make	VERB
cblr-1712	668	20	any	any	DET
cblr-1712	668	21	[	[	X
cblr-1712	668	22	unauthorized	unauthorized	ADJ
cblr-1712	668	23	]	]	X
cblr-1712	668	24	call	call	NOUN
cblr-1712	668	25	.	.	PUNCT
cblr-1712	668	26	.	.	PUNCT
cblr-1712	669	1	.	.	PUNCT
cblr-1712	670	1	using	use	VERB
cblr-1712	670	2	any	any	DET
cblr-1712	670	3	automatic	automatic	ADJ
cblr-1712	670	4	telephone	telephone	NOUN
cblr-1712	670	5	dialing	dialing	NOUN
cblr-1712	670	6	system	system	NOUN
cblr-1712	670	7	or	or	CCONJ
cblr-1712	670	8	an	an	DET
cblr-1712	670	9	artificial	artificial	ADJ
cblr-1712	670	10	or	or	CCONJ
cblr-1712	670	11	prerecorded	prerecorded	ADJ
cblr-1712	670	12	voice	voice	NOUN
cblr-1712	670	13	.	.	PUNCT
cblr-1712	670	14	.	.	PUNCT
cblr-1712	671	1	.	.	PUNCT
cblr-1712	672	1	to	to	ADP
cblr-1712	672	2	any	any	DET
cblr-1712	672	3	telephone	telephone	NOUN
cblr-1712	672	4	number	number	NOUN
cblr-1712	672	5	assigned	assign	VERB
cblr-1712	672	6	to	to	ADP
cblr-1712	672	7	a	a	DET
cblr-1712	672	8	paging	page	VERB
cblr-1712	672	9	service	service	NOUN
cblr-1712	672	10	,	,	PUNCT
cblr-1712	672	11	cellular	cellular	ADJ
cblr-1712	672	12	telephone	telephone	NOUN
cblr-1712	672	13	service	service	NOUN
cblr-1712	672	14	,	,	PUNCT
cblr-1712	672	15	specialized	specialized	ADJ
cblr-1712	672	16	mobile	mobile	ADJ
cblr-1712	672	17	radio	radio	NOUN
cblr-1712	672	18	service	service	NOUN
cblr-1712	672	19	,	,	PUNCT
cblr-1712	672	20	or	or	CCONJ
cblr-1712	672	21	other	other	ADJ
cblr-1712	672	22	radio	radio	NOUN
cblr-1712	672	23	common	common	ADJ
cblr-1712	672	24	carrier	carrier	NOUN
cblr-1712	672	25	service	service	NOUN
cblr-1712	672	26	,	,	PUNCT
cblr-1712	672	27	or	or	CCONJ
cblr-1712	672	28	any	any	DET
cblr-1712	672	29	service	service	NOUN
cblr-1712	672	30	for	for	ADP
cblr-1712	672	31	which	which	PRON
cblr-1712	672	32	the	the	DET
cblr-1712	672	33	called	call	VERB
cblr-1712	672	34	party	party	NOUN
cblr-1712	672	35	is	be	AUX
cblr-1712	672	36	charged	charge	VERB
cblr-1712	672	37	for	for	ADP
cblr-1712	672	38	the	the	DET
cblr-1712	672	39	call	call	NOUN
cblr-1712	672	40	.	.	PUNCT
cblr-1712	672	41	.	.	PUNCT
cblr-1712	672	42	.	.	PUNCT
cblr-1712	673	1	to	to	PART
cblr-1712	673	2	initiate	initiate	VERB
cblr-1712	673	3	any	any	DET
cblr-1712	673	4	telephone	telephone	NOUN
cblr-1712	673	5	call	call	NOUN
cblr-1712	673	6	to	to	ADP
cblr-1712	673	7	any	any	DET
cblr-1712	673	8	residential	residential	ADJ
cblr-1712	673	9	telephone	telephone	NOUN
cblr-1712	673	10	line	line	NOUN
cblr-1712	673	11	using	use	VERB
cblr-1712	673	12	an	an	DET
cblr-1712	673	13	artificial	artificial	ADJ
cblr-1712	673	14	or	or	CCONJ
cblr-1712	673	15	prerecorded	prerecorded	ADJ
cblr-1712	673	16	voice	voice	NOUN
cblr-1712	673	17	to	to	PART
cblr-1712	673	18	deliver	deliver	VERB
cblr-1712	673	19	a	a	DET
cblr-1712	673	20	message	message	NOUN
cblr-1712	673	21	without	without	ADP
cblr-1712	673	22	the	the	DET
cblr-1712	673	23	prior	prior	ADJ
cblr-1712	673	24	express	express	ADJ
cblr-1712	673	25	consent	consent	NOUN
cblr-1712	673	26	of	of	ADP
cblr-1712	673	27	the	the	DET
cblr-1712	673	28	called	call	VERB
cblr-1712	673	29	party	party	NOUN
cblr-1712	673	30	,	,	PUNCT
cblr-1712	673	31	.	.	PUNCT
cblr-1712	673	32	.	.	PUNCT
cblr-1712	674	1	.	.	PUNCT
cblr-1712	675	1	[	[	X
cblr-1712	675	2	and	and	CCONJ
cblr-1712	675	3	]	]	PUNCT
cblr-1712	675	4	to	to	PART
cblr-1712	675	5	use	use	VERB
cblr-1712	675	6	any	any	DET
cblr-1712	675	7	telephone	telephone	NOUN
cblr-1712	675	8	facsimile	facsimile	ADJ
cblr-1712	675	9	machine	machine	NOUN
cblr-1712	675	10	,	,	PUNCT
cblr-1712	675	11	computer	computer	NOUN
cblr-1712	675	12	,	,	PUNCT
cblr-1712	675	13	or	or	CCONJ
cblr-1712	675	14	other	other	ADJ
cblr-1712	675	15	device	device	NOUN
cblr-1712	675	16	to	to	PART
cblr-1712	675	17	send	send	VERB
cblr-1712	675	18	,	,	PUNCT
cblr-1712	675	19	to	to	ADP
cblr-1712	675	20	a	a	DET
cblr-1712	675	21	telephone	telephone	NOUN
cblr-1712	675	22	facsimile	facsimile	ADJ
cblr-1712	675	23	machine	machine	NOUN
cblr-1712	675	24	,	,	PUNCT
cblr-1712	675	25	an	an	DET
cblr-1712	675	26	unsolicited	unsolicited	ADJ
cblr-1712	675	27	advertisement	advertisement	NOUN
cblr-1712	675	28	.	.	PUNCT
cblr-1712	676	1	47	47	NUM
cblr-1712	676	2	u.s.c	u.s.c	ADJ
cblr-1712	676	3	.	.	PUNCT
cblr-1712	677	1	§	§	PROPN
cblr-1712	677	2	227(b)(1	227(b)(1	PROPN
cblr-1712	677	3	)	)	PUNCT
cblr-1712	677	4	(	(	PUNCT
cblr-1712	677	5	2012	2012	NUM
cblr-1712	677	6	)	)	PUNCT
cblr-1712	677	7	.	.	PUNCT
cblr-1712	678	1	141	141	NUM
cblr-1712	679	1	i	i	PRON
cblr-1712	679	2	d.	d.	PROPN
cblr-1712	679	3	142	142	NUM
cblr-1712	679	4	47	47	NUM
cblr-1712	679	5	u.s.c	u.s.c	ADJ
cblr-1712	679	6	.	.	PUNCT
cblr-1712	680	1	§	§	PROPN
cblr-1712	680	2	227(b)(3	227(b)(3	NUM
cblr-1712	680	3	)	)	PUNCT
cblr-1712	680	4	(	(	PUNCT
cblr-1712	680	5	2012	2012	NUM
cblr-1712	680	6	)	)	PUNCT
cblr-1712	680	7	.	.	PUNCT
cblr-1712	681	1	johnston	johnston	PROPN
cblr-1712	681	2	–	–	PUNCT
cblr-1712	681	3	final	final	ADJ
cblr-1712	681	4	58	58	NUM
cblr-1712	681	5	columbia	columbia	PROPN
cblr-1712	681	6	business	business	NOUN
cblr-1712	681	7	law	law	PROPN
cblr-1712	681	8	review	review	NOUN
cblr-1712	681	9	[	[	X
cblr-1712	681	10	vol	vol	NOUN
cblr-1712	681	11	.	.	NOUN
cblr-1712	681	12	2017	2017	NUM
cblr-1712	681	13	of	of	ADP
cblr-1712	681	14	a	a	DET
cblr-1712	681	15	final	final	ADJ
cblr-1712	681	16	settlement	settlement	NOUN
cblr-1712	681	17	is	be	AUX
cblr-1712	681	18	on	on	ADP
cblr-1712	681	19	average	average	ADJ
cblr-1712	681	20	twenty	twenty	NUM
cblr-1712	681	21	-	-	PUNCT
cblr-1712	681	22	six	six	NUM
cblr-1712	681	23	months	month	NOUN
cblr-1712	681	24	.	.	PUNCT
cblr-1712	682	1	moreover	moreover	ADV
cblr-1712	682	2	,	,	PUNCT
cblr-1712	682	3	the	the	DET
cblr-1712	682	4	unweighted	unweighted	ADJ
cblr-1712	682	5	average	average	ADJ
cblr-1712	682	6	compensation	compensation	NOUN
cblr-1712	682	7	rate	rate	NOUN
cblr-1712	682	8	in	in	ADP
cblr-1712	682	9	tcpa	tcpa	NOUN
cblr-1712	682	10	settlements	settlement	NOUN
cblr-1712	682	11	is	be	AUX
cblr-1712	682	12	only	only	ADV
cblr-1712	682	13	19	19	NUM
cblr-1712	682	14	%	%	NOUN
cblr-1712	682	15	.	.	PUNCT
cblr-1712	683	1	as	as	ADV
cblr-1712	683	2	far	far	ADV
cblr-1712	683	3	as	as	SCONJ
cblr-1712	683	4	the	the	DET
cblr-1712	683	5	aggregate	aggregate	ADJ
cblr-1712	683	6	performance	performance	NOUN
cblr-1712	683	7	goes	go	VERB
cblr-1712	683	8	,	,	PUNCT
cblr-1712	683	9	in	in	ADP
cblr-1712	683	10	tcpa	tcpa	NOUN
cblr-1712	683	11	class	class	NOUN
cblr-1712	683	12	-	-	PUNCT
cblr-1712	683	13	action	action	NOUN
cblr-1712	683	14	settlements	settlement	NOUN
cblr-1712	683	15	,	,	PUNCT
cblr-1712	683	16	attorneys	attorney	NOUN
cblr-1712	683	17	’	'	PUNCT
cblr-1712	683	18	fees	fee	NOUN
cblr-1712	683	19	of	of	ADP
cblr-1712	683	20	$	$	SYM
cblr-1712	683	21	76,945,118.49	76,945,118.49	NUM
cblr-1712	683	22	were	be	AUX
cblr-1712	683	23	incurred	incur	VERB
cblr-1712	683	24	to	to	PART
cblr-1712	683	25	generate	generate	VERB
cblr-1712	683	26	nominal	nominal	ADJ
cblr-1712	683	27	settlements	settlement	NOUN
cblr-1712	683	28	totaling	total	VERB
cblr-1712	683	29	$	$	SYM
cblr-1712	683	30	223,032,294	223,032,294	NUM
cblr-1712	683	31	.	.	PUNCT
cblr-1712	684	1	as	as	SCONJ
cblr-1712	684	2	actual	actual	ADJ
cblr-1712	684	3	aggregate	aggregate	ADJ
cblr-1712	684	4	payouts	payout	NOUN
cblr-1712	684	5	total	total	VERB
cblr-1712	684	6	$	$	SYM
cblr-1712	684	7	188,964,180	188,964,180	NUM
cblr-1712	684	8	,	,	PUNCT
cblr-1712	684	9	attorneys	attorney	NOUN
cblr-1712	684	10	’	'	PUNCT
cblr-1712	684	11	fees	fee	NOUN
cblr-1712	684	12	in	in	ADP
cblr-1712	684	13	tcpa	tcpa	NOUN
cblr-1712	684	14	class	class	NOUN
cblr-1712	684	15	settlements	settlement	NOUN
cblr-1712	684	16	were	be	AUX
cblr-1712	684	17	41	41	NUM
cblr-1712	684	18	%	%	NOUN
cblr-1712	684	19	of	of	ADP
cblr-1712	684	20	the	the	DET
cblr-1712	684	21	aggregate	aggregate	ADJ
cblr-1712	684	22	class	class	NOUN
cblr-1712	684	23	payout	payout	NOUN
cblr-1712	684	24	.	.	PUNCT
cblr-1712	685	1	the	the	DET
cblr-1712	685	2	tcpa	tcpa	NOUN
cblr-1712	685	3	cases	case	NOUN
cblr-1712	685	4	fall	fall	VERB
cblr-1712	685	5	into	into	ADP
cblr-1712	685	6	three	three	NUM
cblr-1712	685	7	broad	broad	ADJ
cblr-1712	685	8	case	case	NOUN
cblr-1712	685	9	types	type	NOUN
cblr-1712	685	10	:	:	PUNCT
cblr-1712	685	11	(	(	PUNCT
cblr-1712	685	12	1	1	X
cblr-1712	685	13	)	)	PUNCT
cblr-1712	685	14	those	those	PRON
cblr-1712	685	15	involving	involve	VERB
cblr-1712	685	16	autodialed	autodiale	VERB
cblr-1712	685	17	phone	phone	NOUN
cblr-1712	685	18	calls	call	NOUN
cblr-1712	685	19	(	(	PUNCT
cblr-1712	685	20	or	or	CCONJ
cblr-1712	685	21	,	,	PUNCT
cblr-1712	685	22	less	less	ADV
cblr-1712	685	23	often	often	ADV
cblr-1712	685	24	,	,	PUNCT
cblr-1712	685	25	a	a	DET
cblr-1712	685	26	text	text	NOUN
cblr-1712	685	27	message	message	NOUN
cblr-1712	685	28	)	)	PUNCT
cblr-1712	685	29	made	make	VERB
cblr-1712	685	30	as	as	ADP
cblr-1712	685	31	part	part	NOUN
cblr-1712	685	32	of	of	ADP
cblr-1712	685	33	the	the	DET
cblr-1712	685	34	debt	debt	NOUN
cblr-1712	685	35	collection	collection	NOUN
cblr-1712	685	36	process	process	NOUN
cblr-1712	685	37	(	(	PUNCT
cblr-1712	685	38	42	42	NUM
cblr-1712	685	39	%	%	NOUN
cblr-1712	685	40	of	of	ADP
cblr-1712	685	41	all	all	DET
cblr-1712	685	42	tcpa	tcpa	NOUN
cblr-1712	685	43	filings	filing	NOUN
cblr-1712	685	44	)	)	PUNCT
cblr-1712	685	45	;	;	PUNCT
cblr-1712	685	46	(	(	PUNCT
cblr-1712	685	47	2	2	X
cblr-1712	685	48	)	)	PUNCT
cblr-1712	685	49	those	those	PRON
cblr-1712	685	50	involving	involve	VERB
cblr-1712	685	51	an	an	DET
cblr-1712	685	52	unauthorized	unauthorized	ADJ
cblr-1712	685	53	marketing	marketing	NOUN
cblr-1712	685	54	fax	fax	NOUN
cblr-1712	685	55	(	(	PUNCT
cblr-1712	685	56	31	31	NUM
cblr-1712	685	57	%	%	NOUN
cblr-1712	685	58	of	of	ADP
cblr-1712	685	59	all	all	DET
cblr-1712	685	60	filings	filing	NOUN
cblr-1712	685	61	)	)	PUNCT
cblr-1712	685	62	;	;	PUNCT
cblr-1712	685	63	and	and	CCONJ
cblr-1712	685	64	(	(	PUNCT
cblr-1712	685	65	3	3	X
cblr-1712	685	66	)	)	PUNCT
cblr-1712	685	67	those	those	PRON
cblr-1712	685	68	involving	involve	VERB
cblr-1712	685	69	a	a	DET
cblr-1712	685	70	marketing	marketing	NOUN
cblr-1712	685	71	text	text	NOUN
cblr-1712	685	72	,	,	PUNCT
cblr-1712	685	73	call	call	NOUN
cblr-1712	685	74	,	,	PUNCT
cblr-1712	685	75	or	or	CCONJ
cblr-1712	685	76	email	email	NOUN
cblr-1712	685	77	(	(	PUNCT
cblr-1712	685	78	27	27	NUM
cblr-1712	685	79	%	%	NOUN
cblr-1712	685	80	of	of	ADP
cblr-1712	685	81	all	all	DET
cblr-1712	685	82	filings	filing	NOUN
cblr-1712	685	83	)	)	PUNCT
cblr-1712	685	84	.	.	PUNCT
cblr-1712	686	1	however	however	ADV
cblr-1712	686	2	,	,	PUNCT
cblr-1712	686	3	at	at	ADP
cblr-1712	686	4	44	44	NUM
cblr-1712	686	5	%	%	NOUN
cblr-1712	686	6	each	each	PRON
cblr-1712	686	7	,	,	PUNCT
cblr-1712	686	8	debt	debt	NOUN
cblr-1712	686	9	call	call	NOUN
cblr-1712	686	10	and	and	CCONJ
cblr-1712	686	11	marketing	marketing	NOUN
cblr-1712	686	12	fax	fax	NOUN
cblr-1712	686	13	case	case	NOUN
cblr-1712	686	14	types	type	NOUN
cblr-1712	686	15	account	account	VERB
cblr-1712	686	16	for	for	ADP
cblr-1712	686	17	the	the	DET
cblr-1712	686	18	vast	vast	ADJ
cblr-1712	686	19	majority	majority	NOUN
cblr-1712	686	20	of	of	ADP
cblr-1712	686	21	tcpa	tcpa	NOUN
cblr-1712	686	22	class	class	NOUN
cblr-1712	686	23	settlements	settlement	NOUN
cblr-1712	686	24	(	(	PUNCT
cblr-1712	686	25	with	with	ADP
cblr-1712	686	26	marketing	marketing	NOUN
cblr-1712	686	27	call	call	NOUN
cblr-1712	686	28	,	,	PUNCT
cblr-1712	686	29	text	text	NOUN
cblr-1712	686	30	,	,	PUNCT
cblr-1712	686	31	or	or	CCONJ
cblr-1712	686	32	email	email	NOUN
cblr-1712	686	33	cases	case	NOUN
cblr-1712	686	34	making	make	VERB
cblr-1712	686	35	up	up	ADP
cblr-1712	686	36	the	the	DET
cblr-1712	686	37	remainder	remainder	NOUN
cblr-1712	686	38	of	of	ADP
cblr-1712	686	39	class	class	NOUN
cblr-1712	686	40	settlements	settlement	NOUN
cblr-1712	686	41	)	)	PUNCT
cblr-1712	686	42	.	.	PUNCT
cblr-1712	687	1	debt	debt	NOUN
cblr-1712	687	2	call	call	NOUN
cblr-1712	687	3	and	and	CCONJ
cblr-1712	687	4	marketing	marketing	NOUN
cblr-1712	687	5	fax	fax	NOUN
cblr-1712	687	6	class	class	NOUN
cblr-1712	687	7	settlements	settlement	NOUN
cblr-1712	687	8	are	be	AUX
cblr-1712	687	9	at	at	ADP
cblr-1712	687	10	opposite	opposite	ADJ
cblr-1712	687	11	ends	end	NOUN
cblr-1712	687	12	of	of	ADP
cblr-1712	687	13	the	the	DET
cblr-1712	687	14	tcpa	tcpa	NOUN
cblr-1712	687	15	spectrum	spectrum	NOUN
cblr-1712	687	16	.	.	PUNCT
cblr-1712	688	1	of	of	ADP
cblr-1712	688	2	the	the	DET
cblr-1712	688	3	marketing	marketing	NOUN
cblr-1712	688	4	fax	fax	NOUN
cblr-1712	688	5	class	class	NOUN
cblr-1712	688	6	settlements	settlement	NOUN
cblr-1712	688	7	,	,	PUNCT
cblr-1712	688	8	87	87	NUM
cblr-1712	688	9	%	%	NOUN
cblr-1712	688	10	involved	involve	VERB
cblr-1712	688	11	doctors	doctor	NOUN
cblr-1712	688	12	’	'	PUNCT
cblr-1712	688	13	and	and	CCONJ
cblr-1712	688	14	dentists	dentist	NOUN
cblr-1712	688	15	’	’	PART
cblr-1712	688	16	offices	office	NOUN
cblr-1712	688	17	or	or	CCONJ
cblr-1712	688	18	other	other	ADJ
cblr-1712	688	19	businesses	business	NOUN
cblr-1712	688	20	that	that	PRON
cblr-1712	688	21	received	receive	VERB
cblr-1712	688	22	unsolicited	unsolicited	ADJ
cblr-1712	688	23	telemarketing	telemarketing	NOUN
cblr-1712	688	24	faxes	fax	NOUN
cblr-1712	688	25	.	.	PUNCT
cblr-1712	689	1	class	class	NOUN
cblr-1712	689	2	-	-	PUNCT
cblr-1712	689	3	action	action	NOUN
cblr-1712	689	4	settlements	settlement	NOUN
cblr-1712	689	5	in	in	ADP
cblr-1712	689	6	marketing	marketing	NOUN
cblr-1712	689	7	fax	fax	NOUN
cblr-1712	689	8	cases	case	NOUN
cblr-1712	689	9	involved	involve	VERB
cblr-1712	689	10	moderately	moderately	ADV
cblr-1712	689	11	large	large	ADJ
cblr-1712	689	12	to	to	ADP
cblr-1712	689	13	small	small	ADJ
cblr-1712	689	14	classes	class	NOUN
cblr-1712	689	15	averaging	average	VERB
cblr-1712	689	16	14,717	14,717	NUM
cblr-1712	689	17	members	member	NOUN
cblr-1712	689	18	.	.	PUNCT
cblr-1712	690	1	as	as	ADP
cblr-1712	690	2	figure	figure	NOUN
cblr-1712	690	3	11	11	NUM
cblr-1712	690	4	shows	show	NOUN
cblr-1712	690	5	,	,	PUNCT
cblr-1712	690	6	at	at	ADP
cblr-1712	690	7	.11	.11	NUM
cblr-1712	690	8	,	,	PUNCT
cblr-1712	690	9	the	the	DET
cblr-1712	690	10	average	average	ADJ
cblr-1712	690	11	compensation	compensation	NOUN
cblr-1712	690	12	rate	rate	NOUN
cblr-1712	690	13	in	in	ADP
cblr-1712	690	14	debt	debt	NOUN
cblr-1712	690	15	call	call	NOUN
cblr-1712	690	16	tcpa	tcpa	NOUN
cblr-1712	690	17	class	class	NOUN
cblr-1712	690	18	settlements	settlement	NOUN
cblr-1712	690	19	was	be	AUX
cblr-1712	690	20	only	only	ADV
cblr-1712	690	21	one	one	NUM
cblr-1712	690	22	-	-	PUNCT
cblr-1712	690	23	half	half	NOUN
cblr-1712	690	24	of	of	ADP
cblr-1712	690	25	the	the	DET
cblr-1712	690	26	.22	.22	NUM
cblr-1712	690	27	compensation	compensation	NOUN
cblr-1712	690	28	rate	rate	NOUN
cblr-1712	690	29	in	in	ADP
cblr-1712	690	30	marketing	marketing	NOUN
cblr-1712	690	31	fax	fax	NOUN
cblr-1712	690	32	class	class	NOUN
cblr-1712	690	33	-	-	PUNCT
cblr-1712	690	34	action	action	NOUN
cblr-1712	690	35	settlements	settlement	NOUN
cblr-1712	690	36	.	.	PUNCT
cblr-1712	691	1	johnston	johnston	PROPN
cblr-1712	691	2	–	–	PUNCT
cblr-1712	691	3	final	final	ADJ
cblr-1712	691	4	no	no	NOUN
cblr-1712	691	5	.	.	NOUN
cblr-1712	691	6	1:1	1:1	NUM
cblr-1712	691	7	]	]	X
cblr-1712	691	8	high	high	ADJ
cblr-1712	691	9	cost	cost	NOUN
cblr-1712	691	10	,	,	PUNCT
cblr-1712	691	11	little	little	ADJ
cblr-1712	691	12	compensation	compensation	NOUN
cblr-1712	691	13	59	59	NUM
cblr-1712	691	14	figure	figure	NOUN
cblr-1712	691	15	11	11	NUM
cblr-1712	691	16	.	.	PUNCT
cblr-1712	692	1	tcpa	tcpa	NOUN
cblr-1712	692	2	class	class	NOUN
cblr-1712	692	3	compensation	compensation	NOUN
cblr-1712	692	4	rates	rate	NOUN
cblr-1712	692	5	,	,	PUNCT
cblr-1712	692	6	by	by	ADP
cblr-1712	692	7	case	case	NOUN
cblr-1712	692	8	type	type	NOUN
cblr-1712	692	9	looking	look	VERB
cblr-1712	692	10	at	at	ADP
cblr-1712	692	11	the	the	DET
cblr-1712	692	12	(	(	PUNCT
cblr-1712	692	13	smoothed	smoothed	ADJ
cblr-1712	692	14	)	)	PUNCT
cblr-1712	692	15	distribution	distribution	NOUN
cblr-1712	692	16	of	of	ADP
cblr-1712	692	17	the	the	DET
cblr-1712	692	18	claims	claim	NOUN
cblr-1712	692	19	rate	rate	NOUN
cblr-1712	692	20	across	across	ADP
cblr-1712	692	21	all	all	DET
cblr-1712	692	22	tcpa	tcpa	NOUN
cblr-1712	692	23	case	case	NOUN
cblr-1712	692	24	subtypes	subtype	NOUN
cblr-1712	692	25	,	,	PUNCT
cblr-1712	692	26	and	and	CCONJ
cblr-1712	692	27	then	then	ADV
cblr-1712	692	28	as	as	SCONJ
cblr-1712	692	29	depicted	depict	VERB
cblr-1712	692	30	in	in	ADP
cblr-1712	692	31	figure	figure	NOUN
cblr-1712	692	32	12	12	NUM
cblr-1712	692	33	below	below	ADV
cblr-1712	692	34	,	,	PUNCT
cblr-1712	692	35	we	we	PRON
cblr-1712	692	36	see	see	VERB
cblr-1712	692	37	that	that	SCONJ
cblr-1712	692	38	,	,	PUNCT
cblr-1712	692	39	as	as	ADP
cblr-1712	692	40	with	with	ADP
cblr-1712	692	41	all	all	DET
cblr-1712	692	42	other	other	ADJ
cblr-1712	692	43	case	case	NOUN
cblr-1712	692	44	types	type	NOUN
cblr-1712	692	45	,	,	PUNCT
cblr-1712	692	46	the	the	DET
cblr-1712	692	47	distribution	distribution	NOUN
cblr-1712	692	48	is	be	AUX
cblr-1712	692	49	highly	highly	ADV
cblr-1712	692	50	skewed	skewed	ADJ
cblr-1712	692	51	,	,	PUNCT
cblr-1712	692	52	with	with	ADP
cblr-1712	692	53	most	most	ADJ
cblr-1712	692	54	settlements	settlement	NOUN
cblr-1712	692	55	involving	involve	VERB
cblr-1712	692	56	a	a	DET
cblr-1712	692	57	claims	claim	NOUN
cblr-1712	692	58	rate	rate	NOUN
cblr-1712	692	59	of	of	ADP
cblr-1712	692	60	less	less	ADJ
cblr-1712	692	61	than	than	ADP
cblr-1712	692	62	20	20	NUM
cblr-1712	692	63	%	%	NOUN
cblr-1712	692	64	.	.	PUNCT
cblr-1712	693	1	if	if	SCONJ
cblr-1712	693	2	we	we	PRON
cblr-1712	693	3	compute	compute	VERB
cblr-1712	693	4	the	the	DET
cblr-1712	693	5	compensation	compensation	NOUN
cblr-1712	693	6	rate	rate	NOUN
cblr-1712	693	7	weighted	weight	VERB
cblr-1712	693	8	by	by	ADP
cblr-1712	693	9	the	the	DET
cblr-1712	693	10	relative	relative	ADJ
cblr-1712	693	11	class	class	NOUN
cblr-1712	693	12	size	size	NOUN
cblr-1712	693	13	compensated	compensate	VERB
cblr-1712	693	14	,	,	PUNCT
cblr-1712	693	15	we	we	PRON
cblr-1712	693	16	find	find	VERB
cblr-1712	693	17	that	that	SCONJ
cblr-1712	693	18	the	the	DET
cblr-1712	693	19	weighted	weight	VERB
cblr-1712	693	20	compensation	compensation	NOUN
cblr-1712	693	21	rate	rate	NOUN
cblr-1712	693	22	in	in	ADP
cblr-1712	693	23	tcpa	tcpa	NOUN
cblr-1712	693	24	debt	debt	NOUN
cblr-1712	693	25	call	call	NOUN
cblr-1712	693	26	class	class	NOUN
cblr-1712	693	27	settlements	settlement	NOUN
cblr-1712	693	28	is	be	AUX
cblr-1712	693	29	only	only	ADV
cblr-1712	693	30	4	4	NUM
cblr-1712	693	31	%	%	NOUN
cblr-1712	693	32	.	.	PUNCT
cblr-1712	694	1	the	the	DET
cblr-1712	694	2	weighted	weight	VERB
cblr-1712	694	3	compensation	compensation	NOUN
cblr-1712	694	4	rate	rate	NOUN
cblr-1712	694	5	in	in	ADP
cblr-1712	694	6	tcpa	tcpa	NOUN
cblr-1712	694	7	marketing	marketing	NOUN
cblr-1712	694	8	fax	fax	NOUN
cblr-1712	694	9	settlements	settlement	NOUN
cblr-1712	694	10	is	be	AUX
cblr-1712	694	11	21	21	NUM
cblr-1712	694	12	%	%	NOUN
cblr-1712	694	13	.	.	PUNCT
cblr-1712	695	1	johnston	johnston	PROPN
cblr-1712	695	2	–	–	PUNCT
cblr-1712	695	3	final	final	ADJ
cblr-1712	695	4	60	60	NUM
cblr-1712	695	5	columbia	columbia	PROPN
cblr-1712	695	6	business	business	NOUN
cblr-1712	695	7	law	law	NOUN
cblr-1712	695	8	review	review	NOUN
cblr-1712	695	9	[	[	X
cblr-1712	695	10	vol	vol	NOUN
cblr-1712	695	11	.	.	PUNCT
cblr-1712	695	12	2017	2017	NUM
cblr-1712	695	13	figure	figure	NOUN
cblr-1712	695	14	12	12	NUM
cblr-1712	695	15	.	.	PUNCT
cblr-1712	696	1	tcpa	tcpa	NOUN
cblr-1712	696	2	compensation	compensation	NOUN
cblr-1712	696	3	rate	rate	NOUN
cblr-1712	696	4	distribution	distribution	NOUN
cblr-1712	696	5	debt	debt	NOUN
cblr-1712	696	6	call	call	NOUN
cblr-1712	696	7	and	and	CCONJ
cblr-1712	696	8	marketing	marketing	NOUN
cblr-1712	696	9	fax	fax	NOUN
cblr-1712	696	10	cases	case	NOUN
cblr-1712	696	11	differ	differ	VERB
cblr-1712	696	12	in	in	ADP
cblr-1712	696	13	a	a	DET
cblr-1712	696	14	number	number	NOUN
cblr-1712	696	15	of	of	ADP
cblr-1712	696	16	ways	way	NOUN
cblr-1712	696	17	.	.	PUNCT
cblr-1712	697	1	debt	debt	NOUN
cblr-1712	697	2	call	call	NOUN
cblr-1712	697	3	settlements	settlement	NOUN
cblr-1712	697	4	had	have	VERB
cblr-1712	697	5	an	an	DET
cblr-1712	697	6	average	average	ADJ
cblr-1712	697	7	class	class	NOUN
cblr-1712	697	8	size	size	NOUN
cblr-1712	697	9	of	of	ADP
cblr-1712	697	10	5,905,313	5,905,313	NUM
cblr-1712	697	11	,	,	PUNCT
cblr-1712	697	12	while	while	SCONJ
cblr-1712	697	13	marketing	marketing	NOUN
cblr-1712	697	14	fax	fax	NOUN
cblr-1712	697	15	classes	class	NOUN
cblr-1712	697	16	were	be	AUX
cblr-1712	697	17	much	much	ADV
cblr-1712	697	18	smaller	small	ADJ
cblr-1712	697	19	,	,	PUNCT
cblr-1712	697	20	averaging	average	VERB
cblr-1712	697	21	22,090	22,090	NUM
cblr-1712	697	22	members.143	members.143	NOUN
cblr-1712	697	23	in	in	ADP
cblr-1712	697	24	debt	debt	NOUN
cblr-1712	697	25	call	call	NOUN
cblr-1712	697	26	class	class	NOUN
cblr-1712	697	27	settlements	settlement	NOUN
cblr-1712	697	28	,	,	PUNCT
cblr-1712	697	29	the	the	DET
cblr-1712	697	30	mean	mean	ADJ
cblr-1712	697	31	aggregate	aggregate	ADJ
cblr-1712	697	32	payout	payout	NOUN
cblr-1712	697	33	to	to	ADP
cblr-1712	697	34	the	the	DET
cblr-1712	697	35	class	class	NOUN
cblr-1712	697	36	was	be	AUX
cblr-1712	697	37	$	$	SYM
cblr-1712	697	38	12,156,263	12,156,263	NUM
cblr-1712	697	39	,	,	PUNCT
cblr-1712	697	40	almost	almost	ADV
cblr-1712	697	41	six	six	NUM
cblr-1712	697	42	times	time	NOUN
cblr-1712	697	43	larger	large	ADJ
cblr-1712	697	44	than	than	ADP
cblr-1712	697	45	the	the	DET
cblr-1712	697	46	mean	mean	ADJ
cblr-1712	697	47	aggregate	aggregate	ADJ
cblr-1712	697	48	payout	payout	NOUN
cblr-1712	697	49	of	of	ADP
cblr-1712	697	50	$	$	SYM
cblr-1712	697	51	2,255,563	2,255,563	NUM
cblr-1712	697	52	in	in	ADP
cblr-1712	697	53	all	all	DET
cblr-1712	697	54	other	other	ADJ
cblr-1712	697	55	tcpa	tcpa	NOUN
cblr-1712	697	56	class	class	NOUN
cblr-1712	697	57	settlements.144	settlements.144	PROPN
cblr-1712	697	58	moreover	moreover	ADV
cblr-1712	697	59	,	,	PUNCT
cblr-1712	697	60	the	the	DET
cblr-1712	697	61	average	average	ADJ
cblr-1712	697	62	individual	individual	ADJ
cblr-1712	697	63	payout	payout	NOUN
cblr-1712	697	64	to	to	ADP
cblr-1712	697	65	class	class	NOUN
cblr-1712	697	66	members	member	NOUN
cblr-1712	697	67	actually	actually	ADV
cblr-1712	697	68	receiving	receive	VERB
cblr-1712	697	69	compensation	compensation	NOUN
cblr-1712	697	70	in	in	ADP
cblr-1712	697	71	tcpa	tcpa	NOUN
cblr-1712	697	72	debt	debt	NOUN
cblr-1712	697	73	call	call	NOUN
cblr-1712	697	74	settlements	settlement	NOUN
cblr-1712	697	75	of	of	ADP
cblr-1712	697	76	143	143	NUM
cblr-1712	697	77	there	there	PRON
cblr-1712	697	78	were	be	VERB
cblr-1712	697	79	53,341,705	53,341,705	NUM
cblr-1712	697	80	class	class	NOUN
cblr-1712	697	81	members	member	NOUN
cblr-1712	697	82	in	in	ADP
cblr-1712	697	83	debt	debt	NOUN
cblr-1712	697	84	call	call	NOUN
cblr-1712	697	85	settlements	settlement	NOUN
cblr-1712	697	86	and	and	CCONJ
cblr-1712	697	87	309,260	309,260	NUM
cblr-1712	697	88	class	class	NOUN
cblr-1712	697	89	members	member	NOUN
cblr-1712	697	90	in	in	ADP
cblr-1712	697	91	marketing	marketing	NOUN
cblr-1712	697	92	fax	fax	NOUN
cblr-1712	697	93	settlements	settlement	NOUN
cblr-1712	697	94	(	(	PUNCT
cblr-1712	697	95	counting	count	VERB
cblr-1712	697	96	martin	martin	PROPN
cblr-1712	697	97	and	and	CCONJ
cblr-1712	697	98	patterson	patterson	PROPN
cblr-1712	697	99	as	as	ADP
cblr-1712	697	100	a	a	DET
cblr-1712	697	101	single	single	ADJ
cblr-1712	697	102	settlement	settlement	NOUN
cblr-1712	697	103	)	)	PUNCT
cblr-1712	697	104	.	.	PUNCT
cblr-1712	698	1	144	144	NUM
cblr-1712	698	2	a	a	DET
cblr-1712	698	3	difference	difference	NOUN
cblr-1712	698	4	that	that	SCONJ
cblr-1712	698	5	with	with	ADP
cblr-1712	698	6	f(1,26	f(1,26	NOUN
cblr-1712	698	7	)	)	PUNCT
cblr-1712	698	8	=	=	NUM
cblr-1712	698	9	3.26	3.26	NUM
cblr-1712	698	10	has	have	VERB
cblr-1712	698	11	p	p	X
cblr-1712	698	12	<	<	X
cblr-1712	698	13	.08	.08	NUM
cblr-1712	698	14	.	.	PUNCT
cblr-1712	699	1	johnston	johnston	PROPN
cblr-1712	699	2	–	–	PUNCT
cblr-1712	699	3	final	final	ADJ
cblr-1712	699	4	no	no	NOUN
cblr-1712	699	5	.	.	NOUN
cblr-1712	699	6	1:1	1:1	NUM
cblr-1712	699	7	]	]	X
cblr-1712	699	8	high	high	ADJ
cblr-1712	699	9	cost	cost	NOUN
cblr-1712	699	10	,	,	PUNCT
cblr-1712	699	11	little	little	ADJ
cblr-1712	699	12	compensation	compensation	NOUN
cblr-1712	699	13	61	61	NUM
cblr-1712	699	14	around145	around145	PROPN
cblr-1712	699	15	$	$	SYM
cblr-1712	699	16	289	289	NUM
cblr-1712	699	17	was	be	AUX
cblr-1712	699	18	much	much	ADV
cblr-1712	699	19	smaller	small	ADJ
cblr-1712	699	20	than	than	ADP
cblr-1712	699	21	the	the	DET
cblr-1712	699	22	average	average	ADJ
cblr-1712	699	23	payout	payout	NOUN
cblr-1712	699	24	of	of	ADP
cblr-1712	699	25	$	$	SYM
cblr-1712	699	26	453	453	NUM
cblr-1712	699	27	in	in	ADP
cblr-1712	699	28	marketing	marketing	NOUN
cblr-1712	699	29	fax	fax	NOUN
cblr-1712	699	30	settlements	settlement	NOUN
cblr-1712	699	31	.	.	PUNCT
cblr-1712	700	1	importantly	importantly	ADV
cblr-1712	700	2	,	,	PUNCT
cblr-1712	700	3	the	the	DET
cblr-1712	700	4	$	$	SYM
cblr-1712	700	5	289	289	NUM
cblr-1712	700	6	payout	payout	NOUN
cblr-1712	700	7	in	in	ADP
cblr-1712	700	8	debt	debt	NOUN
cblr-1712	700	9	call	call	NOUN
cblr-1712	700	10	settlements	settlement	NOUN
cblr-1712	700	11	is	be	AUX
cblr-1712	700	12	an	an	DET
cblr-1712	700	13	unweighted	unweighted	ADJ
cblr-1712	700	14	average	average	NOUN
cblr-1712	700	15	.	.	PUNCT
cblr-1712	701	1	two	two	NUM
cblr-1712	701	2	of	of	ADP
cblr-1712	701	3	the	the	DET
cblr-1712	701	4	class	class	NOUN
cblr-1712	701	5	settlements	settlement	NOUN
cblr-1712	701	6	in	in	ADP
cblr-1712	701	7	the	the	DET
cblr-1712	701	8	illinois	illinois	PROPN
cblr-1712	701	9	data	data	PROPN
cblr-1712	701	10	,	,	PUNCT
cblr-1712	701	11	patterson	patterson	PROPN
cblr-1712	701	12	v.	v.	PROPN
cblr-1712	701	13	capital	capital	PROPN
cblr-1712	701	14	management	management	PROPN
cblr-1712	701	15	and	and	CCONJ
cblr-1712	701	16	martin	martin	PROPN
cblr-1712	701	17	v.	v.	ADP
cblr-1712	701	18	leading	leading	ADJ
cblr-1712	701	19	edge	edge	NOUN
cblr-1712	701	20	recovery	recovery	NOUN
cblr-1712	701	21	solutions	solution	NOUN
cblr-1712	701	22	,	,	PUNCT
cblr-1712	701	23	inc	inc	PROPN
cblr-1712	701	24	.	.	PROPN
cblr-1712	701	25	,	,	PUNCT
cblr-1712	701	26	were	be	AUX
cblr-1712	701	27	part	part	NOUN
cblr-1712	701	28	of	of	ADP
cblr-1712	701	29	the	the	DET
cblr-1712	701	30	settlement	settlement	NOUN
cblr-1712	701	31	of	of	ADP
cblr-1712	701	32	three	three	NUM
cblr-1712	701	33	class	class	NOUN
cblr-1712	701	34	actions	action	NOUN
cblr-1712	701	35	consolidated	consolidate	VERB
cblr-1712	701	36	under	under	ADP
cblr-1712	701	37	the	the	DET
cblr-1712	701	38	caption	caption	NOUN
cblr-1712	701	39	in	in	ADP
cblr-1712	701	40	re	re	NOUN
cblr-1712	701	41	capital	capital	NOUN
cblr-1712	701	42	one.146	one.146	PROPN
cblr-1712	701	43	that	that	PRON
cblr-1712	701	44	litigation	litigation	NOUN
cblr-1712	701	45	included	include	VERB
cblr-1712	701	46	almost	almost	ADV
cblr-1712	701	47	half	half	NOUN
cblr-1712	701	48	of	of	ADP
cblr-1712	701	49	all	all	DET
cblr-1712	701	50	class	class	NOUN
cblr-1712	701	51	members	member	NOUN
cblr-1712	701	52	in	in	ADP
cblr-1712	701	53	the	the	DET
cblr-1712	701	54	illinois	illinois	PROPN
cblr-1712	701	55	data	data	PROPN
cblr-1712	701	56	(	(	PUNCT
cblr-1712	701	57	17,522,049	17,522,049	NUM
cblr-1712	701	58	)	)	PUNCT
cblr-1712	701	59	.	.	PUNCT
cblr-1712	702	1	further	far	ADV
cblr-1712	702	2	,	,	PUNCT
cblr-1712	702	3	the	the	DET
cblr-1712	702	4	individual	individual	ADJ
cblr-1712	702	5	payout	payout	NOUN
cblr-1712	702	6	to	to	ADP
cblr-1712	702	7	members	member	NOUN
cblr-1712	702	8	in	in	ADP
cblr-1712	702	9	capital	capital	NOUN
cblr-1712	702	10	one	one	NUM
cblr-1712	702	11	who	who	PRON
cblr-1712	702	12	actually	actually	ADV
cblr-1712	702	13	received	receive	VERB
cblr-1712	702	14	compensation	compensation	NOUN
cblr-1712	702	15	was	be	AUX
cblr-1712	702	16	only	only	ADV
cblr-1712	702	17	$	$	SYM
cblr-1712	702	18	34.60.147	34.60.147	NUM
cblr-1712	702	19	moreover	moreover	ADV
cblr-1712	702	20	,	,	PUNCT
cblr-1712	702	21	in	in	ADP
cblr-1712	702	22	the	the	DET
cblr-1712	702	23	largest	large	ADJ
cblr-1712	702	24	tcpa	tcpa	NOUN
cblr-1712	702	25	class	class	NOUN
cblr-1712	702	26	settlement	settlement	NOUN
cblr-1712	702	27	,	,	PUNCT
cblr-1712	702	28	gehrich	gehrich	PROPN
cblr-1712	702	29	v.	v.	PROPN
cblr-1712	702	30	j.p	j.p	PROPN
cblr-1712	702	31	.	.	PROPN
cblr-1712	702	32	morgan	morgan	PROPN
cblr-1712	702	33	chase	chase	PROPN
cblr-1712	702	34	bank	bank	PROPN
cblr-1712	702	35	,	,	PUNCT
cblr-1712	702	36	with	with	ADP
cblr-1712	702	37	over	over	ADP
cblr-1712	702	38	19,000,000	19,000,000	NUM
cblr-1712	702	39	class	class	NOUN
cblr-1712	702	40	members	member	NOUN
cblr-1712	702	41	(	(	PUNCT
cblr-1712	702	42	over	over	ADP
cblr-1712	702	43	half	half	NOUN
cblr-1712	702	44	of	of	ADP
cblr-1712	702	45	the	the	DET
cblr-1712	702	46	class	class	NOUN
cblr-1712	702	47	members	member	NOUN
cblr-1712	702	48	in	in	ADP
cblr-1712	702	49	the	the	DET
cblr-1712	702	50	sample	sample	NOUN
cblr-1712	702	51	if	if	SCONJ
cblr-1712	702	52	one	one	NUM
cblr-1712	702	53	counts	count	VERB
cblr-1712	702	54	in	in	ADP
cblr-1712	702	55	re	re	NOUN
cblr-1712	702	56	capital	capital	NOUN
cblr-1712	702	57	one	one	NUM
cblr-1712	702	58	as	as	ADP
cblr-1712	702	59	a	a	DET
cblr-1712	702	60	single	single	ADJ
cblr-1712	702	61	settlement	settlement	NOUN
cblr-1712	702	62	)	)	PUNCT
cblr-1712	702	63	,	,	PUNCT
cblr-1712	702	64	the	the	DET
cblr-1712	702	65	class	class	NOUN
cblr-1712	702	66	settlement	settlement	NOUN
cblr-1712	702	67	was	be	AUX
cblr-1712	702	68	approved	approve	VERB
cblr-1712	702	69	without	without	ADP
cblr-1712	702	70	any	any	DET
cblr-1712	702	71	information	information	NOUN
cblr-1712	702	72	given	give	VERB
cblr-1712	702	73	regarding	regard	VERB
cblr-1712	702	74	the	the	DET
cblr-1712	702	75	individual	individual	ADJ
cblr-1712	702	76	payout	payout	NOUN
cblr-1712	702	77	that	that	PRON
cblr-1712	702	78	class	class	NOUN
cblr-1712	702	79	members	member	NOUN
cblr-1712	702	80	could	could	AUX
cblr-1712	702	81	expect	expect	VERB
cblr-1712	702	82	.	.	PUNCT
cblr-1712	703	1	in	in	ADP
cblr-1712	703	2	terms	term	NOUN
cblr-1712	703	3	of	of	ADP
cblr-1712	703	4	how	how	SCONJ
cblr-1712	703	5	the	the	DET
cblr-1712	703	6	cost	cost	NOUN
cblr-1712	703	7	of	of	ADP
cblr-1712	703	8	achieving	achieve	VERB
cblr-1712	703	9	a	a	DET
cblr-1712	703	10	class	class	NOUN
cblr-1712	703	11	settlement	settlement	NOUN
cblr-1712	703	12	compares	compare	VERB
cblr-1712	703	13	with	with	ADP
cblr-1712	703	14	the	the	DET
cblr-1712	703	15	actual	actual	ADJ
cblr-1712	703	16	results	result	NOUN
cblr-1712	703	17	for	for	ADP
cblr-1712	703	18	class	class	NOUN
cblr-1712	703	19	members	member	NOUN
cblr-1712	703	20	,	,	PUNCT
cblr-1712	703	21	tcpa	tcpa	NOUN
cblr-1712	703	22	class	class	NOUN
cblr-1712	703	23	settlements	settlement	NOUN
cblr-1712	703	24	seem	seem	VERB
cblr-1712	703	25	to	to	PART
cblr-1712	703	26	be	be	AUX
cblr-1712	703	27	almost	almost	ADV
cblr-1712	703	28	as	as	ADV
cblr-1712	703	29	bad	bad	ADJ
cblr-1712	703	30	as	as	ADP
cblr-1712	703	31	fcra	fcra	NOUN
cblr-1712	703	32	and	and	CCONJ
cblr-1712	703	33	the	the	DET
cblr-1712	703	34	old	old	ADJ
cblr-1712	703	35	atm	atm	PROPN
cblr-1712	703	36	efta	efta	PROPN
cblr-1712	703	37	notice	notice	NOUN
cblr-1712	703	38	failure	failure	NOUN
cblr-1712	703	39	class	class	NOUN
cblr-1712	703	40	settlements.148	settlements.148	NOUN
cblr-1712	703	41	as	as	SCONJ
cblr-1712	703	42	figure	figure	NOUN
cblr-1712	703	43	13	13	NUM
cblr-1712	703	44	shows	show	NOUN
cblr-1712	703	45	below	below	ADV
cblr-1712	703	46	,	,	PUNCT
cblr-1712	703	47	other	other	ADJ
cblr-1712	703	48	than	than	ADP
cblr-1712	703	49	for	for	ADP
cblr-1712	703	50	debt	debt	NOUN
cblr-1712	703	51	call	call	NOUN
cblr-1712	703	52	settlements	settlement	NOUN
cblr-1712	703	53	,	,	PUNCT
cblr-1712	703	54	attorneys	attorney	NOUN
cblr-1712	703	55	’	'	PUNCT
cblr-1712	703	56	fees	fee	NOUN
cblr-1712	703	57	as	as	ADP
cblr-1712	703	58	a	a	DET
cblr-1712	703	59	fraction	fraction	NOUN
cblr-1712	703	60	of	of	ADP
cblr-1712	703	61	the	the	DET
cblr-1712	703	62	nominal	nominal	ADJ
cblr-1712	703	63	class	class	NOUN
cblr-1712	703	64	settlement	settlement	NOUN
cblr-1712	703	65	are	be	AUX
cblr-1712	703	66	right	right	ADV
cblr-1712	703	67	around	around	ADP
cblr-1712	703	68	the	the	DET
cblr-1712	703	69	contingency	contingency	NOUN
cblr-1712	703	70	fee	fee	NOUN
cblr-1712	703	71	standard	standard	NOUN
cblr-1712	703	72	of	of	ADP
cblr-1712	703	73	33	33	NUM
cblr-1712	703	74	%	%	NOUN
cblr-1712	703	75	.	.	PUNCT
cblr-1712	704	1	however	however	ADV
cblr-1712	704	2	,	,	PUNCT
cblr-1712	704	3	for	for	ADP
cblr-1712	704	4	every	every	DET
cblr-1712	704	5	type	type	NOUN
cblr-1712	704	6	of	of	ADP
cblr-1712	704	7	tcpa	tcpa	NOUN
cblr-1712	704	8	class	class	NOUN
cblr-1712	704	9	settlement	settlement	NOUN
cblr-1712	704	10	,	,	PUNCT
cblr-1712	704	11	attorneys	attorney	NOUN
cblr-1712	704	12	’	'	PUNCT
cblr-1712	704	13	fees	fee	NOUN
cblr-1712	704	14	are	be	AUX
cblr-1712	704	15	greater	great	ADJ
cblr-1712	704	16	than	than	ADP
cblr-1712	704	17	or	or	CCONJ
cblr-1712	704	18	(	(	PUNCT
cblr-1712	704	19	roughly	roughly	ADV
cblr-1712	704	20	)	)	PUNCT
cblr-1712	704	21	equal	equal	ADJ
cblr-1712	704	22	to	to	ADP
cblr-1712	704	23	the	the	DET
cblr-1712	704	24	actual	actual	ADJ
cblr-1712	704	25	aggregate	aggregate	ADJ
cblr-1712	704	26	class	class	NOUN
cblr-1712	704	27	recovery	recovery	NOUN
cblr-1712	704	28	.	.	PUNCT
cblr-1712	705	1	for	for	ADP
cblr-1712	705	2	marketing	marketing	NOUN
cblr-1712	705	3	fax	fax	NOUN
cblr-1712	705	4	settlements	settlement	NOUN
cblr-1712	705	5	,	,	PUNCT
cblr-1712	705	6	145	145	NUM
cblr-1712	705	7	this	this	PRON
cblr-1712	705	8	is	be	AUX
cblr-1712	705	9	the	the	DET
cblr-1712	705	10	minimum	minimum	NOUN
cblr-1712	705	11	because	because	SCONJ
cblr-1712	705	12	in	in	ADP
cblr-1712	705	13	some	some	DET
cblr-1712	705	14	settlements	settlement	NOUN
cblr-1712	705	15	,	,	PUNCT
cblr-1712	705	16	only	only	ADV
cblr-1712	705	17	the	the	DET
cblr-1712	705	18	amount	amount	NOUN
cblr-1712	705	19	paid	pay	VERB
cblr-1712	705	20	per	per	ADP
cblr-1712	705	21	fax	fax	NOUN
cblr-1712	705	22	was	be	AUX
cblr-1712	705	23	reported	report	VERB
cblr-1712	705	24	in	in	ADP
cblr-1712	705	25	the	the	DET
cblr-1712	705	26	settlement	settlement	NOUN
cblr-1712	705	27	,	,	PUNCT
cblr-1712	705	28	making	make	VERB
cblr-1712	705	29	it	it	PRON
cblr-1712	705	30	possible	possible	ADJ
cblr-1712	705	31	that	that	SCONJ
cblr-1712	705	32	some	some	DET
cblr-1712	705	33	class	class	NOUN
cblr-1712	705	34	members	member	NOUN
cblr-1712	705	35	may	may	AUX
cblr-1712	705	36	have	have	AUX
cblr-1712	705	37	received	receive	VERB
cblr-1712	705	38	compensation	compensation	NOUN
cblr-1712	705	39	for	for	ADP
cblr-1712	705	40	multiple	multiple	ADJ
cblr-1712	705	41	unsolicited	unsolicited	ADJ
cblr-1712	705	42	faxes	fax	NOUN
cblr-1712	705	43	.	.	PUNCT
cblr-1712	706	1	146	146	NUM
cblr-1712	706	2	in	in	ADP
cblr-1712	706	3	re	re	NOUN
cblr-1712	706	4	capital	capital	NOUN
cblr-1712	706	5	one	one	NUM
cblr-1712	706	6	telephone	telephone	NOUN
cblr-1712	706	7	consumer	consumer	NOUN
cblr-1712	706	8	protection	protection	NOUN
cblr-1712	706	9	act	act	PROPN
cblr-1712	706	10	litigation	litigation	NOUN
cblr-1712	706	11	,	,	PUNCT
cblr-1712	706	12	no	no	INTJ
cblr-1712	706	13	.	.	NOUN
cblr-1712	707	1	12	12	NUM
cblr-1712	707	2	-	-	PUNCT
cblr-1712	707	3	cv-10064	cv-10064	NOUN
cblr-1712	707	4	,	,	PUNCT
cblr-1712	707	5	mdl	mdl	PROPN
cblr-1712	707	6	no	no	NOUN
cblr-1712	707	7	.	.	PROPN
cblr-1712	708	1	2416	2416	NUM
cblr-1712	708	2	(	(	PUNCT
cblr-1712	708	3	n.d	n.d	PROPN
cblr-1712	708	4	.	.	PROPN
cblr-1712	708	5	ill	ill	PROPN
cblr-1712	708	6	.	.	PROPN
cblr-1712	708	7	2012	2012	NUM
cblr-1712	708	8	)	)	PUNCT
cblr-1712	708	9	147	147	NUM
cblr-1712	709	1	this	this	PRON
cblr-1712	709	2	is	be	AUX
cblr-1712	709	3	the	the	DET
cblr-1712	709	4	amount	amount	NOUN
cblr-1712	709	5	reported	report	VERB
cblr-1712	709	6	by	by	ADP
cblr-1712	709	7	the	the	DET
cblr-1712	709	8	court	court	NOUN
cblr-1712	709	9	in	in	ADP
cblr-1712	709	10	approving	approve	VERB
cblr-1712	709	11	the	the	DET
cblr-1712	709	12	class	class	NOUN
cblr-1712	709	13	settlement	settlement	NOUN
cblr-1712	709	14	with	with	ADP
cblr-1712	709	15	a	a	DET
cblr-1712	709	16	reduction	reduction	NOUN
cblr-1712	709	17	in	in	ADP
cblr-1712	709	18	attorneys	attorney	NOUN
cblr-1712	709	19	’	'	PUNCT
cblr-1712	709	20	fees	fee	NOUN
cblr-1712	709	21	to	to	ADP
cblr-1712	709	22	a	a	DET
cblr-1712	709	23	little	little	ADJ
cblr-1712	709	24	over	over	ADP
cblr-1712	709	25	$	$	SYM
cblr-1712	709	26	15	15	NUM
cblr-1712	709	27	million	million	NUM
cblr-1712	709	28	.	.	PUNCT
cblr-1712	710	1	see	see	VERB
cblr-1712	710	2	in	in	ADP
cblr-1712	710	3	re	re	NOUN
cblr-1712	710	4	capital	capital	NOUN
cblr-1712	710	5	one	one	NUM
cblr-1712	710	6	telephone	telephone	NOUN
cblr-1712	710	7	consumer	consumer	NOUN
cblr-1712	710	8	protection	protection	NOUN
cblr-1712	710	9	act	act	PROPN
cblr-1712	710	10	litigation	litigation	NOUN
cblr-1712	710	11	,	,	PUNCT
cblr-1712	710	12	80	80	NUM
cblr-1712	710	13	f.	f.	PROPN
cblr-1712	710	14	supp	supp	PROPN
cblr-1712	710	15	.	.	PUNCT
cblr-1712	711	1	3d	3d	PROPN
cblr-1712	711	2	781	781	NUM
cblr-1712	711	3	,	,	PUNCT
cblr-1712	711	4	783	783	NUM
cblr-1712	711	5	(	(	PUNCT
cblr-1712	711	6	n.d	n.d	PROPN
cblr-1712	711	7	.	.	PROPN
cblr-1712	711	8	ill	ill	PROPN
cblr-1712	711	9	.	.	PROPN
cblr-1712	711	10	2015	2015	NUM
cblr-1712	711	11	)	)	PUNCT
cblr-1712	711	12	.	.	PUNCT
cblr-1712	712	1	148	148	NUM
cblr-1712	712	2	for	for	ADP
cblr-1712	712	3	details	detail	NOUN
cblr-1712	712	4	on	on	ADP
cblr-1712	712	5	the	the	DET
cblr-1712	712	6	atm	atm	NOUN
cblr-1712	712	7	notice	notice	NOUN
cblr-1712	712	8	failure	failure	NOUN
cblr-1712	712	9	settlements	settlement	NOUN
cblr-1712	712	10	,	,	PUNCT
cblr-1712	712	11	see	see	VERB
cblr-1712	712	12	appendix	appendix	NOUN
cblr-1712	712	13	1	1	NUM
cblr-1712	712	14	.	.	PUNCT
cblr-1712	713	1	johnston	johnston	PROPN
cblr-1712	713	2	–	–	PUNCT
cblr-1712	713	3	final	final	ADJ
cblr-1712	713	4	62	62	NUM
cblr-1712	713	5	columbia	columbia	PROPN
cblr-1712	713	6	business	business	NOUN
cblr-1712	713	7	law	law	PROPN
cblr-1712	713	8	review	review	NOUN
cblr-1712	713	9	[	[	X
cblr-1712	713	10	vol	vol	NOUN
cblr-1712	713	11	.	.	NOUN
cblr-1712	713	12	2017	2017	NUM
cblr-1712	713	13	which	which	PRON
cblr-1712	713	14	,	,	PUNCT
cblr-1712	713	15	as	as	SCONJ
cblr-1712	713	16	noted	note	VERB
cblr-1712	713	17	above	above	ADV
cblr-1712	713	18	,	,	PUNCT
cblr-1712	713	19	make	make	VERB
cblr-1712	713	20	up	up	ADP
cblr-1712	713	21	almost	almost	ADV
cblr-1712	713	22	half	half	NOUN
cblr-1712	713	23	of	of	ADP
cblr-1712	713	24	all	all	DET
cblr-1712	713	25	tcpa	tcpa	NOUN
cblr-1712	713	26	class	class	NOUN
cblr-1712	713	27	settlements	settlement	NOUN
cblr-1712	713	28	,	,	PUNCT
cblr-1712	713	29	class	class	NOUN
cblr-1712	713	30	counsel	counsel	NOUN
cblr-1712	713	31	is	be	AUX
cblr-1712	713	32	awarded	award	VERB
cblr-1712	713	33	fees	fee	NOUN
cblr-1712	713	34	that	that	PRON
cblr-1712	713	35	are	be	AUX
cblr-1712	713	36	on	on	ADP
cblr-1712	713	37	average	average	ADJ
cblr-1712	713	38	equal	equal	ADJ
cblr-1712	713	39	to	to	ADP
cblr-1712	713	40	260	260	NUM
cblr-1712	713	41	%	%	NOUN
cblr-1712	713	42	of	of	ADP
cblr-1712	713	43	what	what	PRON
cblr-1712	713	44	the	the	DET
cblr-1712	713	45	class	class	NOUN
cblr-1712	713	46	members	member	NOUN
cblr-1712	713	47	actually	actually	ADV
cblr-1712	713	48	receive	receive	VERB
cblr-1712	713	49	in	in	ADP
cblr-1712	713	50	compensation	compensation	NOUN
cblr-1712	713	51	.	.	PUNCT
cblr-1712	714	1	figure	figure	VERB
cblr-1712	714	2	13	13	NUM
cblr-1712	714	3	.	.	PUNCT
cblr-1712	715	1	tcpa	tcpa	NOUN
cblr-1712	715	2	attorneys	attorney	NOUN
cblr-1712	715	3	’	'	PUNCT
cblr-1712	715	4	fees	fee	NOUN
cblr-1712	715	5	as	as	ADP
cblr-1712	715	6	fraction	fraction	NOUN
cblr-1712	715	7	of	of	ADP
cblr-1712	715	8	nominal	nominal	ADJ
cblr-1712	715	9	settlement	settlement	NOUN
cblr-1712	715	10	and	and	CCONJ
cblr-1712	715	11	aggregate	aggregate	ADJ
cblr-1712	715	12	payout	payout	NOUN
cblr-1712	716	1	it	it	PRON
cblr-1712	716	2	is	be	AUX
cblr-1712	716	3	true	true	ADJ
cblr-1712	716	4	that	that	SCONJ
cblr-1712	716	5	attorneys	attorney	NOUN
cblr-1712	716	6	’	'	PUNCT
cblr-1712	716	7	fees	fee	NOUN
cblr-1712	716	8	in	in	ADP
cblr-1712	716	9	some	some	PRON
cblr-1712	716	10	of	of	ADP
cblr-1712	716	11	the	the	DET
cblr-1712	716	12	largest	large	ADJ
cblr-1712	716	13	tcpa	tcpa	NOUN
cblr-1712	716	14	class	class	NOUN
cblr-1712	716	15	settlements	settlement	NOUN
cblr-1712	716	16	are	be	AUX
cblr-1712	716	17	a	a	DET
cblr-1712	716	18	much	much	ADV
cblr-1712	716	19	lower	low	ADJ
cblr-1712	716	20	fraction	fraction	NOUN
cblr-1712	716	21	of	of	ADP
cblr-1712	716	22	the	the	DET
cblr-1712	716	23	aggregate	aggregate	ADJ
cblr-1712	716	24	class	class	NOUN
cblr-1712	716	25	recovery	recovery	NOUN
cblr-1712	716	26	.	.	PUNCT
cblr-1712	717	1	for	for	ADP
cblr-1712	717	2	example	example	NOUN
cblr-1712	717	3	,	,	PUNCT
cblr-1712	717	4	in	in	ADP
cblr-1712	717	5	the	the	DET
cblr-1712	717	6	in	in	ADP
cblr-1712	717	7	re	re	NOUN
cblr-1712	717	8	capital	capital	NOUN
cblr-1712	717	9	one	one	NUM
cblr-1712	717	10	litigation	litigation	NOUN
cblr-1712	717	11	,	,	PUNCT
cblr-1712	717	12	which	which	PRON
cblr-1712	717	13	included	include	VERB
cblr-1712	717	14	two	two	NUM
cblr-1712	717	15	class	class	NOUN
cblr-1712	717	16	settlements	settlement	NOUN
cblr-1712	717	17	in	in	ADP
cblr-1712	717	18	the	the	DET
cblr-1712	717	19	illinois	illinois	PROPN
cblr-1712	717	20	data	data	PROPN
cblr-1712	717	21	,	,	PUNCT
cblr-1712	717	22	attorneys	attorney	NOUN
cblr-1712	717	23	’	'	PUNCT
cblr-1712	717	24	fees	fee	NOUN
cblr-1712	717	25	comprise	comprise	VERB
cblr-1712	717	26	only	only	ADV
cblr-1712	717	27	28	28	NUM
cblr-1712	717	28	%	%	NOUN
cblr-1712	717	29	of	of	ADP
cblr-1712	717	30	the	the	DET
cblr-1712	717	31	amount	amount	NOUN
cblr-1712	717	32	actually	actually	ADV
cblr-1712	717	33	paid	pay	VERB
cblr-1712	717	34	to	to	ADP
cblr-1712	717	35	the	the	DET
cblr-1712	717	36	class.149	class.149	NOUN
cblr-1712	717	37	however	however	ADV
cblr-1712	717	38	,	,	PUNCT
cblr-1712	717	39	while	while	SCONJ
cblr-1712	717	40	one	one	PRON
cblr-1712	717	41	can	can	AUX
cblr-1712	717	42	149	149	NUM
cblr-1712	717	43	from	from	ADP
cblr-1712	717	44	in	in	ADP
cblr-1712	717	45	re	re	NOUN
cblr-1712	717	46	capital	capital	NOUN
cblr-1712	717	47	one	one	NUM
cblr-1712	717	48	telephone	telephone	NOUN
cblr-1712	717	49	consumer	consumer	NOUN
cblr-1712	717	50	protection	protection	NOUN
cblr-1712	717	51	act	act	PROPN
cblr-1712	717	52	litigation	litigation	NOUN
cblr-1712	717	53	,	,	PUNCT
cblr-1712	717	54	80	80	NUM
cblr-1712	717	55	f.	f.	PROPN
cblr-1712	717	56	supp	supp	PROPN
cblr-1712	717	57	.	.	PUNCT
cblr-1712	718	1	3d	3d	NUM
cblr-1712	718	2	at	at	ADP
cblr-1712	718	3	787	787	NUM
cblr-1712	718	4	,	,	PUNCT
cblr-1712	718	5	one	one	PRON
cblr-1712	718	6	learns	learn	VERB
cblr-1712	718	7	that	that	SCONJ
cblr-1712	718	8	if	if	SCONJ
cblr-1712	718	9	the	the	DET
cblr-1712	718	10	initially	initially	ADV
cblr-1712	718	11	requested	request	VERB
cblr-1712	718	12	attorneys	attorney	NOUN
cblr-1712	718	13	’	'	PUNCT
cblr-1712	718	14	fee	fee	NOUN
cblr-1712	718	15	of	of	ADP
cblr-1712	718	16	over	over	ADP
cblr-1712	718	17	$	$	SYM
cblr-1712	718	18	22	22	NUM
cblr-1712	718	19	million	million	NUM
cblr-1712	718	20	had	have	AUX
cblr-1712	718	21	been	be	AUX
cblr-1712	718	22	approved	approve	VERB
cblr-1712	718	23	,	,	PUNCT
cblr-1712	718	24	then	then	ADV
cblr-1712	718	25	class	class	NOUN
cblr-1712	718	26	members	member	NOUN
cblr-1712	718	27	would	would	AUX
cblr-1712	718	28	have	have	AUX
cblr-1712	718	29	received	receive	VERB
cblr-1712	718	30	in	in	ADP
cblr-1712	718	31	aggregate	aggregate	ADJ
cblr-1712	718	32	$	$	SYM
cblr-1712	718	33	47,700,569	47,700,569	NUM
cblr-1712	718	34	.	.	PUNCT
cblr-1712	719	1	however	however	ADV
cblr-1712	719	2	,	,	PUNCT
cblr-1712	719	3	as	as	SCONJ
cblr-1712	719	4	the	the	DET
cblr-1712	719	5	court	court	NOUN
cblr-1712	719	6	approved	approve	VERB
cblr-1712	719	7	only	only	ADV
cblr-1712	719	8	$	$	SYM
cblr-1712	719	9	15,668,265	15,668,265	NUM
cblr-1712	719	10	in	in	ADP
cblr-1712	719	11	attorneys	attorney	NOUN
cblr-1712	719	12	’	'	PUNCT
cblr-1712	719	13	fees	fee	NOUN
cblr-1712	719	14	,	,	PUNCT
cblr-1712	719	15	80	80	NUM
cblr-1712	719	16	f.	f.	PROPN
cblr-1712	719	17	supp	supp	PROPN
cblr-1712	719	18	.	.	PUNCT
cblr-1712	720	1	3d	3d	PROPN
cblr-1712	720	2	at	at	ADP
cblr-1712	720	3	809	809	NUM
cblr-1712	720	4	,	,	PUNCT
cblr-1712	720	5	the	the	DET
cblr-1712	720	6	actual	actual	ADJ
cblr-1712	720	7	amount	amount	NOUN
cblr-1712	720	8	paid	pay	VERB
cblr-1712	720	9	to	to	ADP
cblr-1712	720	10	class	class	NOUN
cblr-1712	720	11	members	member	NOUN
cblr-1712	720	12	was	be	AUX
cblr-1712	720	13	about	about	ADV
cblr-1712	720	14	$	$	SYM
cblr-1712	720	15	53,650,569	53,650,569	NUM
cblr-1712	720	16	,	,	PUNCT
cblr-1712	720	17	so	so	SCONJ
cblr-1712	720	18	that	that	SCONJ
cblr-1712	720	19	johnston	johnston	PROPN
cblr-1712	720	20	–	–	PUNCT
cblr-1712	720	21	final	final	ADJ
cblr-1712	720	22	no	no	NOUN
cblr-1712	720	23	.	.	NOUN
cblr-1712	720	24	1:1	1:1	NUM
cblr-1712	720	25	]	]	X
cblr-1712	720	26	high	high	ADJ
cblr-1712	720	27	cost	cost	NOUN
cblr-1712	720	28	,	,	PUNCT
cblr-1712	720	29	little	little	ADJ
cblr-1712	720	30	compensation	compensation	NOUN
cblr-1712	720	31	63	63	NUM
cblr-1712	720	32	identify	identify	VERB
cblr-1712	720	33	statistically	statistically	ADV
cblr-1712	720	34	the	the	DET
cblr-1712	720	35	factors	factor	NOUN
cblr-1712	720	36	that	that	PRON
cblr-1712	720	37	influence	influence	VERB
cblr-1712	720	38	judges	judge	NOUN
cblr-1712	720	39	to	to	PART
cblr-1712	720	40	give	give	VERB
cblr-1712	720	41	big	big	ADJ
cblr-1712	720	42	attorneys	attorney	NOUN
cblr-1712	720	43	’	'	PUNCT
cblr-1712	720	44	fees	fee	NOUN
cblr-1712	720	45	,	,	PUNCT
cblr-1712	720	46	no	no	DET
cblr-1712	720	47	statistically	statistically	ADV
cblr-1712	720	48	significant	significant	ADJ
cblr-1712	720	49	relationship	relationship	NOUN
cblr-1712	720	50	is	be	AUX
cblr-1712	720	51	apparent	apparent	ADJ
cblr-1712	720	52	between	between	ADP
cblr-1712	720	53	attorneys	attorney	NOUN
cblr-1712	720	54	’	'	PUNCT
cblr-1712	720	55	fees	fee	NOUN
cblr-1712	720	56	as	as	ADP
cblr-1712	720	57	a	a	DET
cblr-1712	720	58	fraction	fraction	NOUN
cblr-1712	720	59	of	of	ADP
cblr-1712	720	60	class	class	NOUN
cblr-1712	720	61	recovery	recovery	NOUN
cblr-1712	720	62	and	and	CCONJ
cblr-1712	720	63	any	any	DET
cblr-1712	720	64	other	other	ADJ
cblr-1712	720	65	descriptive	descriptive	ADJ
cblr-1712	720	66	or	or	CCONJ
cblr-1712	720	67	outcome	outcome	NOUN
cblr-1712	720	68	variables	variable	NOUN
cblr-1712	720	69	.	.	PUNCT
cblr-1712	721	1	this	this	PRON
cblr-1712	721	2	is	be	AUX
cblr-1712	721	3	shown	show	VERB
cblr-1712	721	4	by	by	ADP
cblr-1712	721	5	tables	table	NOUN
cblr-1712	721	6	4	4	NUM
cblr-1712	721	7	and	and	CCONJ
cblr-1712	721	8	5	5	NUM
cblr-1712	721	9	below	below	ADV
cblr-1712	721	10	,	,	PUNCT
cblr-1712	721	11	which	which	PRON
cblr-1712	721	12	present	present	VERB
cblr-1712	721	13	the	the	DET
cblr-1712	721	14	results	result	NOUN
cblr-1712	721	15	of	of	ADP
cblr-1712	721	16	ordinary	ordinary	ADJ
cblr-1712	721	17	least	least	ADJ
cblr-1712	721	18	squares	square	NOUN
cblr-1712	721	19	regression	regression	NOUN
cblr-1712	721	20	runs	run	NOUN
cblr-1712	721	21	.	.	PUNCT
cblr-1712	722	1	table	table	NOUN
cblr-1712	722	2	4	4	NUM
cblr-1712	722	3	shows	show	VERB
cblr-1712	722	4	that	that	SCONJ
cblr-1712	722	5	,	,	PUNCT
cblr-1712	722	6	as	as	SCONJ
cblr-1712	722	7	one	one	PRON
cblr-1712	722	8	would	would	AUX
cblr-1712	722	9	expect	expect	VERB
cblr-1712	722	10	,	,	PUNCT
cblr-1712	722	11	attorneys	attorney	NOUN
cblr-1712	722	12	’	'	PUNCT
cblr-1712	722	13	fees	fee	NOUN
cblr-1712	722	14	increase	increase	VERB
cblr-1712	722	15	with	with	ADP
cblr-1712	722	16	both	both	CCONJ
cblr-1712	722	17	the	the	DET
cblr-1712	722	18	size	size	NOUN
cblr-1712	722	19	of	of	ADP
cblr-1712	722	20	the	the	DET
cblr-1712	722	21	nominal	nominal	ADJ
cblr-1712	722	22	settlement	settlement	NOUN
cblr-1712	722	23	and	and	CCONJ
cblr-1712	722	24	the	the	DET
cblr-1712	722	25	size	size	NOUN
cblr-1712	722	26	of	of	ADP
cblr-1712	722	27	the	the	DET
cblr-1712	722	28	class	class	NOUN
cblr-1712	722	29	(	(	PUNCT
cblr-1712	722	30	with	with	SCONJ
cblr-1712	722	31	the	the	DET
cblr-1712	722	32	effect	effect	NOUN
cblr-1712	722	33	statistically	statistically	ADV
cblr-1712	722	34	significant	significant	ADJ
cblr-1712	722	35	at	at	ADP
cblr-1712	722	36	the	the	DET
cblr-1712	722	37	7	7	NUM
cblr-1712	722	38	%	%	NOUN
cblr-1712	722	39	and	and	CCONJ
cblr-1712	722	40	5	5	NUM
cblr-1712	722	41	%	%	NOUN
cblr-1712	722	42	levels	level	NOUN
cblr-1712	722	43	,	,	PUNCT
cblr-1712	722	44	respectively	respectively	ADV
cblr-1712	722	45	)	)	PUNCT
cblr-1712	722	46	.	.	PUNCT
cblr-1712	723	1	it	it	PRON
cblr-1712	723	2	is	be	AUX
cblr-1712	723	3	noteworthy	noteworthy	ADJ
cblr-1712	723	4	that	that	SCONJ
cblr-1712	723	5	the	the	DET
cblr-1712	723	6	variables	variable	NOUN
cblr-1712	723	7	describing	describe	VERB
cblr-1712	723	8	how	how	SCONJ
cblr-1712	723	9	the	the	DET
cblr-1712	723	10	class	class	NOUN
cblr-1712	723	11	fared	fare	VERB
cblr-1712	723	12	under	under	ADP
cblr-1712	723	13	the	the	DET
cblr-1712	723	14	settlement	settlement	NOUN
cblr-1712	723	15	—	—	PUNCT
cblr-1712	723	16	the	the	DET
cblr-1712	723	17	compensation	compensation	NOUN
cblr-1712	723	18	rate	rate	NOUN
cblr-1712	723	19	and	and	CCONJ
cblr-1712	723	20	the	the	DET
cblr-1712	723	21	aggregate	aggregate	ADJ
cblr-1712	723	22	compensation	compensation	NOUN
cblr-1712	723	23	—	—	PUNCT
cblr-1712	723	24	do	do	AUX
cblr-1712	723	25	not	not	PART
cblr-1712	723	26	approach	approach	VERB
cblr-1712	723	27	statistical	statistical	ADJ
cblr-1712	723	28	significance	significance	NOUN
cblr-1712	723	29	.	.	PUNCT
cblr-1712	724	1	table	table	NOUN
cblr-1712	724	2	4	4	NUM
cblr-1712	724	3	.	.	PUNCT
cblr-1712	725	1	attorneys	attorney	NOUN
cblr-1712	725	2	’	'	PUNCT
cblr-1712	725	3	fees	fee	NOUN
cblr-1712	725	4	regression	regression	VERB
cblr-1712	725	5	results	result	VERB
cblr-1712	725	6	attys	attys	NOUN
cblr-1712	725	7	’	'	PUNCT
cblr-1712	725	8	fees	fee	NOUN
cblr-1712	725	9	coef	coef	PROPN
cblr-1712	725	10	.	.	PUNCT
cblr-1712	726	1	std	std	NOUN
cblr-1712	726	2	.	.	PUNCT
cblr-1712	727	1	err	err	PROPN
cblr-1712	727	2	.	.	PUNCT
cblr-1712	728	1	t	t	PROPN
cblr-1712	728	2	p	p	X
cblr-1712	728	3	>	>	X
cblr-1712	728	4	t	t	X
cblr-1712	729	1	[	[	X
cblr-1712	729	2	95	95	NUM
cblr-1712	729	3	%	%	NOUN
cblr-1712	729	4	conf	conf	NOUN
cblr-1712	729	5	.	.	PUNCT
cblr-1712	730	1	interval	interval	NOUN
cblr-1712	730	2	]	]	PUNCT
cblr-1712	731	1	duration	duration	NOUN
cblr-1712	731	2	-38,138.71	-38,138.71	PROPN
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cblr-1712	731	4	-1.56	-1.56	NUM
cblr-1712	731	5	0.135	0.135	NUM
cblr-1712	731	6	-89,175.77	-89,175.77	ADJ
cblr-1712	731	7	12,898.34	12,898.34	NUM
cblr-1712	731	8	comp	comp	NOUN
cblr-1712	731	9	.	.	PUNCT
cblr-1712	732	1	rate	rate	NOUN
cblr-1712	732	2	101,043.4	101,043.4	NUM
cblr-1712	732	3	613,931.5	613,931.5	NUM
cblr-1712	732	4	0.16	0.16	NUM
cblr-1712	732	5	0.871	0.871	NUM
cblr-1712	732	6	-1,179,595	-1,179,595	SYM
cblr-1712	732	7	1,381,682	1,381,682	NUM
cblr-1712	732	8	market	market	NOUN
cblr-1712	732	9	fax	fax	NOUN
cblr-1712	732	10	-519589.5	-519589.5	PROPN
cblr-1712	732	11	289,635.8	289,635.8	PROPN
cblr-1712	732	12	-1.79	-1.79	NOUN
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cblr-1712	732	14	-1,123,759	-1,123,759	PUNCT
cblr-1712	732	15	84,580.26	84,580.26	ADJ
cblr-1712	732	16	class	class	NOUN
cblr-1712	732	17	size	size	NOUN
cblr-1712	732	18	.1233503	.1233503	PROPN
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cblr-1712	732	22	-.0021199	-.0021199	PROPN
cblr-1712	732	23	.2488206	.2488206	PROPN
cblr-1712	732	24	nominal	nominal	PROPN
cblr-1712	732	25	settle	settle	NOUN
cblr-1712	732	26	.2436162	.2436162	PROPN
cblr-1712	733	1	.1269004	.1269004	PROPN
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cblr-1712	734	3	-.0210934	-.0210934	PUNCT
cblr-1712	734	4	.5083257	.5083257	PROPN
cblr-1712	734	5	agg	agg	PROPN
cblr-1712	734	6	payout	payout	PROPN
cblr-1712	734	7	-.0933392	-.0933392	PUNCT
cblr-1712	734	8	.1831329	.1831329	PROPN
cblr-1712	734	9	-0.51	-0.51	NOUN
cblr-1712	734	10	0.616	0.616	NUM
cblr-1712	734	11	-.4753478	-.4753478	PUNCT
cblr-1712	734	12	.2886694	.2886694	PROPN
cblr-1712	734	13	constant	constant	ADJ
cblr-1712	734	14	1,264,462	1,264,462	NUM
cblr-1712	734	15	575,598.1	575,598.1	NUM
cblr-1712	734	16	2.20	2.20	NUM
cblr-1712	734	17	0.040	0.040	NUM
cblr-1712	734	18	63,785.26	63,785.26	NUM
cblr-1712	734	19	2,465,139	2,465,139	NUM
cblr-1712	734	20	in	in	ADP
cblr-1712	734	21	a	a	DET
cblr-1712	734	22	regression	regression	NOUN
cblr-1712	734	23	on	on	ADP
cblr-1712	734	24	the	the	DET
cblr-1712	734	25	same	same	ADJ
cblr-1712	734	26	explanatory	explanatory	ADJ
cblr-1712	734	27	variables	variable	NOUN
cblr-1712	734	28	,	,	PUNCT
cblr-1712	734	29	where	where	SCONJ
cblr-1712	734	30	the	the	DET
cblr-1712	734	31	variable	variable	NOUN
cblr-1712	734	32	to	to	PART
cblr-1712	734	33	be	be	AUX
cblr-1712	734	34	explained	explain	VERB
cblr-1712	734	35	is	be	AUX
cblr-1712	734	36	not	not	PART
cblr-1712	734	37	the	the	DET
cblr-1712	734	38	absolute	absolute	ADJ
cblr-1712	734	39	magnitude	magnitude	NOUN
cblr-1712	734	40	of	of	ADP
cblr-1712	734	41	attorneys	attorney	NOUN
cblr-1712	734	42	’	'	PUNCT
cblr-1712	734	43	fees	fee	NOUN
cblr-1712	734	44	but	but	CCONJ
cblr-1712	734	45	the	the	DET
cblr-1712	734	46	ratio	ratio	NOUN
cblr-1712	734	47	of	of	ADP
cblr-1712	734	48	such	such	ADJ
cblr-1712	734	49	fees	fee	NOUN
cblr-1712	734	50	to	to	ADP
cblr-1712	734	51	the	the	DET
cblr-1712	734	52	actual	actual	ADJ
cblr-1712	734	53	aggregate	aggregate	ADJ
cblr-1712	734	54	payout	payout	NOUN
cblr-1712	734	55	to	to	ADP
cblr-1712	734	56	the	the	DET
cblr-1712	734	57	class	class	NOUN
cblr-1712	734	58	,	,	PUNCT
cblr-1712	734	59	there	there	PRON
cblr-1712	734	60	are	be	VERB
cblr-1712	734	61	no	no	DET
cblr-1712	734	62	relationships	relationship	NOUN
cblr-1712	734	63	that	that	PRON
cblr-1712	734	64	even	even	ADV
cblr-1712	734	65	approach	approach	VERB
cblr-1712	734	66	statistical	statistical	ADJ
cblr-1712	734	67	significance	significance	NOUN
cblr-1712	734	68	.	.	PUNCT
cblr-1712	735	1	this	this	PRON
cblr-1712	735	2	is	be	AUX
cblr-1712	735	3	shown	show	VERB
cblr-1712	735	4	by	by	ADP
cblr-1712	735	5	table	table	NOUN
cblr-1712	735	6	5	5	NUM
cblr-1712	735	7	,	,	PUNCT
cblr-1712	735	8	which	which	PRON
cblr-1712	735	9	also	also	ADV
cblr-1712	735	10	confirms	confirm	VERB
cblr-1712	735	11	that	that	SCONJ
cblr-1712	735	12	the	the	DET
cblr-1712	735	13	court	court	NOUN
cblr-1712	735	14	does	do	AUX
cblr-1712	735	15	not	not	PART
cblr-1712	735	16	consider	consider	VERB
cblr-1712	735	17	finally	finally	ADV
cblr-1712	735	18	approved	approve	VERB
cblr-1712	735	19	attorney	attorney	NOUN
cblr-1712	735	20	fees	fee	NOUN
cblr-1712	735	21	were	be	AUX
cblr-1712	735	22	about	about	ADV
cblr-1712	735	23	28	28	NUM
cblr-1712	735	24	%	%	NOUN
cblr-1712	735	25	of	of	ADP
cblr-1712	735	26	the	the	DET
cblr-1712	735	27	amount	amount	NOUN
cblr-1712	735	28	received	receive	VERB
cblr-1712	735	29	by	by	ADP
cblr-1712	735	30	the	the	DET
cblr-1712	735	31	class	class	NOUN
cblr-1712	735	32	.	.	PUNCT
cblr-1712	736	1	note	note	VERB
cblr-1712	736	2	that	that	SCONJ
cblr-1712	736	3	the	the	DET
cblr-1712	736	4	court	court	NOUN
cblr-1712	736	5	,	,	PUNCT
cblr-1712	736	6	like	like	ADP
cblr-1712	736	7	all	all	DET
cblr-1712	736	8	district	district	NOUN
cblr-1712	736	9	courts	court	NOUN
cblr-1712	736	10	,	,	PUNCT
cblr-1712	736	11	reported	report	VERB
cblr-1712	736	12	,	,	PUNCT
cblr-1712	736	13	attorneys	attorney	NOUN
cblr-1712	736	14	’	'	PUNCT
cblr-1712	736	15	fees	fee	NOUN
cblr-1712	736	16	relative	relative	ADJ
cblr-1712	736	17	to	to	ADP
cblr-1712	736	18	the	the	DET
cblr-1712	736	19	nominal	nominal	ADJ
cblr-1712	736	20	settlement	settlement	NOUN
cblr-1712	736	21	of	of	ADP
cblr-1712	736	22	over	over	ADP
cblr-1712	736	23	$	$	SYM
cblr-1712	736	24	75	75	NUM
cblr-1712	736	25	million	million	NUM
cblr-1712	736	26	,	,	PUNCT
cblr-1712	736	27	not	not	PART
cblr-1712	736	28	relative	relative	ADJ
cblr-1712	736	29	to	to	ADP
cblr-1712	736	30	the	the	DET
cblr-1712	736	31	actual	actual	ADJ
cblr-1712	736	32	aggregate	aggregate	ADJ
cblr-1712	736	33	payment	payment	NOUN
cblr-1712	736	34	to	to	ADP
cblr-1712	736	35	the	the	DET
cblr-1712	736	36	class	class	NOUN
cblr-1712	736	37	.	.	PUNCT
cblr-1712	737	1	80	80	NUM
cblr-1712	737	2	f.	f.	PROPN
cblr-1712	737	3	supp	supp	PROPN
cblr-1712	737	4	.	.	PUNCT
cblr-1712	738	1	3d	3d	PROPN
cblr-1712	738	2	at	at	ADP
cblr-1712	738	3	787	787	NUM
cblr-1712	738	4	.	.	PUNCT
cblr-1712	739	1	johnston	johnston	PROPN
cblr-1712	739	2	–	–	PUNCT
cblr-1712	739	3	final	final	ADJ
cblr-1712	739	4	64	64	NUM
cblr-1712	739	5	columbia	columbia	PROPN
cblr-1712	739	6	business	business	NOUN
cblr-1712	739	7	law	law	PROPN
cblr-1712	739	8	review	review	NOUN
cblr-1712	739	9	[	[	X
cblr-1712	739	10	vol	vol	NOUN
cblr-1712	739	11	.	.	NOUN
cblr-1712	739	12	2017	2017	NUM
cblr-1712	739	13	the	the	DET
cblr-1712	739	14	actual	actual	ADJ
cblr-1712	739	15	amount	amount	NOUN
cblr-1712	739	16	paid	pay	VERB
cblr-1712	739	17	to	to	ADP
cblr-1712	739	18	the	the	DET
cblr-1712	739	19	class	class	NOUN
cblr-1712	739	20	when	when	SCONJ
cblr-1712	739	21	determining	determine	VERB
cblr-1712	739	22	whether	whether	SCONJ
cblr-1712	739	23	to	to	PART
cblr-1712	739	24	approve	approve	VERB
cblr-1712	739	25	a	a	DET
cblr-1712	739	26	fee	fee	NOUN
cblr-1712	739	27	award	award	NOUN
cblr-1712	739	28	.	.	PUNCT
cblr-1712	740	1	table	table	NOUN
cblr-1712	740	2	5	5	NUM
cblr-1712	740	3	.	.	PUNCT
cblr-1712	741	1	ratio	ratio	NOUN
cblr-1712	741	2	of	of	ADP
cblr-1712	741	3	attorneys	attorney	NOUN
cblr-1712	741	4	’	'	PUNCT
cblr-1712	741	5	fees	fee	NOUN
cblr-1712	741	6	to	to	PART
cblr-1712	741	7	aggregate	aggregate	VERB
cblr-1712	741	8	payout	payout	ADJ
cblr-1712	741	9	regression	regression	NOUN
cblr-1712	741	10	attys	attys	NOUN
cblr-1712	741	11	'	'	PART
cblr-1712	741	12	fees	fee	NOUN
cblr-1712	741	13	to	to	ADP
cblr-1712	741	14	agg	agg	PROPN
cblr-1712	741	15	.	.	PUNCT
cblr-1712	742	1	payout	payout	PROPN
cblr-1712	742	2	ratio	ratio	PROPN
cblr-1712	742	3	coef	coef	PROPN
cblr-1712	742	4	.	.	PUNCT
cblr-1712	743	1	std	std	NOUN
cblr-1712	743	2	.	.	PUNCT
cblr-1712	744	1	err	err	PROPN
cblr-1712	744	2	.	.	PUNCT
cblr-1712	745	1	t	t	PROPN
cblr-1712	745	2	p	p	X
cblr-1712	745	3	>	>	X
cblr-1712	745	4	t	t	X
cblr-1712	746	1	[	[	X
cblr-1712	746	2	95	95	NUM
cblr-1712	746	3	%	%	NOUN
cblr-1712	746	4	conf	conf	NOUN
cblr-1712	746	5	.	.	PUNCT
cblr-1712	747	1	interval	interval	NOUN
cblr-1712	747	2	]	]	PUNCT
cblr-1712	748	1	duration	duration	NOUN
cblr-1712	748	2	.0880711	.0880711	NOUN
cblr-1712	748	3	.1335203	.1335203	VERB
cblr-1712	748	4	0.66	0.66	NUM
cblr-1712	748	5	0.517	0.517	NUM
cblr-1712	748	6	-.1904474	-.1904474	PUNCT
cblr-1712	748	7	.3665896	.3665896	PROPN
cblr-1712	748	8	com	com	PROPN
cblr-1712	748	9	.	.	PUNCT
cblr-1712	748	10	rate	rate	PROPN
cblr-1712	748	11	-3.924143	-3.924143	PROPN
cblr-1712	748	12	3.350336	3.350336	NUM
cblr-1712	748	13	-1.17	-1.17	NUM
cblr-1712	748	14	0.255	0.255	NUM
cblr-1712	748	15	-10.91282	-10.91282	SYM
cblr-1712	748	16	3.064536	3.064536	NUM
cblr-1712	748	17	market	market	NOUN
cblr-1712	748	18	fax	fax	NOUN
cblr-1712	748	19	2.379641	2.379641	NUM
cblr-1712	748	20	1.580595	1.580595	NUM
cblr-1712	748	21	1.51	1.51	NUM
cblr-1712	748	22	0.148	0.148	NUM
cblr-1712	748	23	-.9174233	-.9174233	NUM
cblr-1712	748	24	5.676705	5.676705	NUM
cblr-1712	748	25	class	class	NOUN
cblr-1712	748	26	size	size	NOUN
cblr-1712	748	27	-1.97e-07	-1.97e-07	VERB
cblr-1712	748	28	3.28e-07	3.28e-07	NUM
cblr-1712	748	29	-0.60	-0.60	NUM
cblr-1712	748	30	0.556	0.556	NUM
cblr-1712	748	31	-8.81e-07	-8.81e-07	ADP
cblr-1712	748	32	4.88e-07	4.88e-07	NUM
cblr-1712	748	33	nominal	nominal	NOUN
cblr-1712	748	34	settle	settle	NOUN
cblr-1712	748	35	4.91e-07	4.91e-07	NUM
cblr-1712	748	36	6.93e-07	6.93e-07	NUM
cblr-1712	748	37	0.71	0.71	NUM
cblr-1712	748	38	0.486	0.486	NUM
cblr-1712	748	39	-9.53e-07	-9.53e-07	NOUN
cblr-1712	748	40	1.94e-06	1.94e-06	NUM
cblr-1712	748	41	agg	agg	PROPN
cblr-1712	748	42	payout	payout	NOUN
cblr-1712	748	43	-7.52e-07	-7.52e-07	NOUN
cblr-1712	748	44	9.99e-07	9.99e-07	NUM
cblr-1712	748	45	-0.75	-0.75	NUM
cblr-1712	748	46	0.460	0.460	NUM
cblr-1712	748	47	-2.84e-06	-2.84e-06	NOUN
cblr-1712	748	48	1.33e-06	1.33e-06	ADV
cblr-1712	748	49	constant	constant	ADJ
cblr-1712	748	50	-.7224982	-.7224982	PUNCT
cblr-1712	748	51	3.141144	3.141144	NUM
cblr-1712	748	52	-0.23	-0.23	NUM
cblr-1712	748	53	0.820	0.820	NUM
cblr-1712	748	54	-7.274809	-7.274809	NOUN
cblr-1712	748	55	5.829813	5.829813	NUM
cblr-1712	748	56	iii	iii	NOUN
cblr-1712	748	57	.	.	PUNCT
cblr-1712	749	1	implications	implication	NOUN
cblr-1712	749	2	of	of	ADP
cblr-1712	749	3	the	the	DET
cblr-1712	749	4	northern	northern	ADJ
cblr-1712	749	5	district	district	PROPN
cblr-1712	749	6	of	of	ADP
cblr-1712	749	7	illinois	illinois	PROPN
cblr-1712	749	8	evidence	evidence	NOUN
cblr-1712	749	9	for	for	ADP
cblr-1712	749	10	the	the	DET
cblr-1712	749	11	social	social	ADJ
cblr-1712	749	12	utility	utility	NOUN
cblr-1712	749	13	of	of	ADP
cblr-1712	749	14	class	class	NOUN
cblr-1712	749	15	actions	action	NOUN
cblr-1712	749	16	under	under	ADP
cblr-1712	749	17	federal	federal	ADJ
cblr-1712	749	18	consumer	consumer	NOUN
cblr-1712	749	19	protection	protection	NOUN
cblr-1712	749	20	statutes	statute	NOUN
cblr-1712	749	21	one	one	PRON
cblr-1712	749	22	must	must	AUX
cblr-1712	749	23	be	be	AUX
cblr-1712	749	24	cautious	cautious	ADJ
cblr-1712	749	25	in	in	ADP
cblr-1712	749	26	drawing	draw	VERB
cblr-1712	749	27	general	general	ADJ
cblr-1712	749	28	implications	implication	NOUN
cblr-1712	749	29	from	from	ADP
cblr-1712	749	30	any	any	DET
cblr-1712	749	31	particular	particular	ADJ
cblr-1712	749	32	sample	sample	NOUN
cblr-1712	749	33	.	.	PUNCT
cblr-1712	750	1	however	however	ADV
cblr-1712	750	2	,	,	PUNCT
cblr-1712	750	3	the	the	DET
cblr-1712	750	4	evidence	evidence	NOUN
cblr-1712	750	5	from	from	ADP
cblr-1712	750	6	the	the	DET
cblr-1712	750	7	northern	northern	ADJ
cblr-1712	750	8	district	district	NOUN
cblr-1712	750	9	of	of	ADP
cblr-1712	750	10	illinois	illinois	PROPN
cblr-1712	750	11	over	over	ADP
cblr-1712	750	12	the	the	DET
cblr-1712	750	13	period	period	NOUN
cblr-1712	750	14	2010–2012	2010–2012	NUM
cblr-1712	750	15	has	have	VERB
cblr-1712	750	16	several	several	ADJ
cblr-1712	750	17	implications	implication	NOUN
cblr-1712	750	18	for	for	ADP
cblr-1712	750	19	the	the	DET
cblr-1712	750	20	performance	performance	NOUN
cblr-1712	750	21	of	of	ADP
cblr-1712	750	22	class	class	NOUN
cblr-1712	750	23	actions	action	NOUN
cblr-1712	750	24	under	under	ADP
cblr-1712	750	25	federal	federal	ADJ
cblr-1712	750	26	consumer	consumer	NOUN
cblr-1712	750	27	protection	protection	NOUN
cblr-1712	750	28	statutes	statute	NOUN
cblr-1712	750	29	.	.	PUNCT
cblr-1712	751	1	importantly	importantly	ADV
cblr-1712	751	2	,	,	PUNCT
cblr-1712	751	3	these	these	DET
cblr-1712	751	4	implications	implication	NOUN
cblr-1712	751	5	only	only	ADV
cblr-1712	751	6	apply	apply	VERB
cblr-1712	751	7	to	to	ADP
cblr-1712	751	8	cases	case	NOUN
cblr-1712	751	9	brought	bring	VERB
cblr-1712	751	10	under	under	ADP
cblr-1712	751	11	those	those	DET
cblr-1712	751	12	statutes	statute	NOUN
cblr-1712	751	13	discussed	discuss	VERB
cblr-1712	751	14	in	in	ADP
cblr-1712	751	15	this	this	DET
cblr-1712	751	16	article	article	NOUN
cblr-1712	751	17	.	.	PUNCT
cblr-1712	752	1	as	as	SCONJ
cblr-1712	752	2	a	a	DET
cblr-1712	752	3	subsequent	subsequent	ADJ
cblr-1712	752	4	article	article	NOUN
cblr-1712	752	5	will	will	AUX
cblr-1712	752	6	explain	explain	VERB
cblr-1712	752	7	,	,	PUNCT
cblr-1712	752	8	consumer	consumer	NOUN
cblr-1712	752	9	class	class	NOUN
cblr-1712	752	10	-	-	PUNCT
cblr-1712	752	11	action	action	NOUN
cblr-1712	752	12	filings	filing	NOUN
cblr-1712	752	13	in	in	ADP
cblr-1712	752	14	the	the	DET
cblr-1712	752	15	northern	northern	ADJ
cblr-1712	752	16	district	district	NOUN
cblr-1712	752	17	brought	bring	VERB
cblr-1712	752	18	under	under	ADP
cblr-1712	752	19	state	state	NOUN
cblr-1712	752	20	statute	statute	NOUN
cblr-1712	752	21	and	and	CCONJ
cblr-1712	752	22	common	common	ADJ
cblr-1712	752	23	law	law	NOUN
cblr-1712	752	24	have	have	VERB
cblr-1712	752	25	somewhat	somewhat	ADV
cblr-1712	752	26	different	different	ADJ
cblr-1712	752	27	implications	implication	NOUN
cblr-1712	752	28	for	for	ADP
cblr-1712	752	29	consumer	consumer	NOUN
cblr-1712	752	30	class	class	NOUN
cblr-1712	752	31	actions	action	NOUN
cblr-1712	752	32	.	.	PUNCT
cblr-1712	753	1	johnston	johnston	PROPN
cblr-1712	753	2	–	–	PUNCT
cblr-1712	753	3	final	final	ADJ
cblr-1712	753	4	no	no	NOUN
cblr-1712	753	5	.	.	NOUN
cblr-1712	753	6	1:1	1:1	NUM
cblr-1712	753	7	]	]	X
cblr-1712	753	8	high	high	ADJ
cblr-1712	753	9	cost	cost	NOUN
cblr-1712	753	10	,	,	PUNCT
cblr-1712	753	11	little	little	ADJ
cblr-1712	753	12	compensation	compensation	NOUN
cblr-1712	753	13	65	65	NUM
cblr-1712	753	14	a.	a.	NOUN
cblr-1712	753	15	social	social	ADJ
cblr-1712	753	16	welfare	welfare	NOUN
cblr-1712	753	17	implications	implication	NOUN
cblr-1712	753	18	of	of	ADP
cblr-1712	753	19	incentivizing	incentivize	VERB
cblr-1712	753	20	classaction	classaction	NOUN
cblr-1712	753	21	settlements	settlement	NOUN
cblr-1712	753	22	where	where	SCONJ
cblr-1712	753	23	there	there	PRON
cblr-1712	753	24	may	may	AUX
cblr-1712	753	25	be	be	AUX
cblr-1712	753	26	no	no	DET
cblr-1712	753	27	harm	harm	NOUN
cblr-1712	753	28	to	to	ADP
cblr-1712	753	29	consumers	consumer	NOUN
cblr-1712	753	30	as	as	SCONJ
cblr-1712	753	31	noted	note	VERB
cblr-1712	753	32	in	in	ADP
cblr-1712	753	33	the	the	DET
cblr-1712	753	34	introductory	introductory	ADJ
cblr-1712	753	35	discussion	discussion	NOUN
cblr-1712	753	36	of	of	ADP
cblr-1712	753	37	the	the	DET
cblr-1712	753	38	court	court	NOUN
cblr-1712	753	39	’s	’s	PART
cblr-1712	753	40	recent	recent	ADJ
cblr-1712	753	41	decision	decision	NOUN
cblr-1712	753	42	in	in	ADP
cblr-1712	753	43	spokeo	spokeo	PROPN
cblr-1712	753	44	v.	v.	ADP
cblr-1712	753	45	robins	robin	NOUN
cblr-1712	753	46	,	,	PUNCT
cblr-1712	753	47	after	after	ADP
cblr-1712	753	48	that	that	DET
cblr-1712	753	49	decision	decision	NOUN
cblr-1712	753	50	,	,	PUNCT
cblr-1712	753	51	class	class	NOUN
cblr-1712	753	52	actions	action	NOUN
cblr-1712	753	53	with	with	ADP
cblr-1712	753	54	no	no	DET
cblr-1712	753	55	allegation	allegation	NOUN
cblr-1712	753	56	of	of	ADP
cblr-1712	753	57	actual	actual	ADJ
cblr-1712	753	58	harm	harm	NOUN
cblr-1712	753	59	to	to	ADP
cblr-1712	753	60	the	the	DET
cblr-1712	753	61	plaintiff	plaintiff	NOUN
cblr-1712	753	62	may	may	AUX
cblr-1712	753	63	lack	lack	VERB
cblr-1712	753	64	constitutional	constitutional	ADJ
cblr-1712	753	65	standing	standing	NOUN
cblr-1712	753	66	per	per	ADP
cblr-1712	753	67	supreme	supreme	PROPN
cblr-1712	753	68	court	court	PROPN
cblr-1712	753	69	precedent	precedent	NOUN
cblr-1712	753	70	.	.	PUNCT
cblr-1712	754	1	the	the	DET
cblr-1712	754	2	data	datum	NOUN
cblr-1712	754	3	presented	present	VERB
cblr-1712	754	4	here	here	ADV
cblr-1712	754	5	,	,	PUNCT
cblr-1712	754	6	however	however	ADV
cblr-1712	754	7	,	,	PUNCT
cblr-1712	754	8	show	show	VERB
cblr-1712	754	9	that	that	SCONJ
cblr-1712	754	10	almost	almost	ADV
cblr-1712	754	11	half	half	NOUN
cblr-1712	754	12	(	(	PUNCT
cblr-1712	754	13	45	45	NUM
cblr-1712	754	14	%	%	NOUN
cblr-1712	754	15	)	)	PUNCT
cblr-1712	754	16	of	of	ADP
cblr-1712	754	17	all	all	DET
cblr-1712	754	18	filings	filing	NOUN
cblr-1712	754	19	and	and	CCONJ
cblr-1712	754	20	an	an	DET
cblr-1712	754	21	even	even	ADV
cblr-1712	754	22	higher	high	ADJ
cblr-1712	754	23	fraction	fraction	NOUN
cblr-1712	754	24	of	of	ADP
cblr-1712	754	25	all	all	DET
cblr-1712	754	26	class	class	NOUN
cblr-1712	754	27	settlements	settlement	NOUN
cblr-1712	754	28	(	(	PUNCT
cblr-1712	754	29	47	47	NUM
cblr-1712	754	30	%	%	NOUN
cblr-1712	754	31	)	)	PUNCT
cblr-1712	754	32	under	under	ADP
cblr-1712	754	33	federal	federal	ADJ
cblr-1712	754	34	consumer	consumer	NOUN
cblr-1712	754	35	protection	protection	NOUN
cblr-1712	754	36	statutes	statute	NOUN
cblr-1712	754	37	involve	involve	VERB
cblr-1712	754	38	cases	case	NOUN
cblr-1712	754	39	without	without	ADP
cblr-1712	754	40	allegations	allegation	NOUN
cblr-1712	754	41	of	of	ADP
cblr-1712	754	42	harm	harm	NOUN
cblr-1712	754	43	to	to	ADP
cblr-1712	754	44	consumers	consumer	NOUN
cblr-1712	754	45	.	.	PUNCT
cblr-1712	755	1	even	even	ADV
cblr-1712	755	2	if	if	SCONJ
cblr-1712	755	3	such	such	ADJ
cblr-1712	755	4	settlements	settlement	NOUN
cblr-1712	755	5	were	be	AUX
cblr-1712	755	6	compensating	compensate	VERB
cblr-1712	755	7	consumers	consumer	NOUN
cblr-1712	755	8	efficiently	efficiently	ADV
cblr-1712	755	9	,	,	PUNCT
cblr-1712	755	10	they	they	PRON
cblr-1712	755	11	would	would	AUX
cblr-1712	755	12	be	be	AUX
cblr-1712	755	13	doing	do	VERB
cblr-1712	755	14	so	so	ADV
cblr-1712	755	15	where	where	SCONJ
cblr-1712	755	16	there	there	PRON
cblr-1712	755	17	may	may	AUX
cblr-1712	755	18	be	be	AUX
cblr-1712	755	19	little	little	ADJ
cblr-1712	755	20	or	or	CCONJ
cblr-1712	755	21	no	no	PRON
cblr-1712	755	22	harm	harm	NOUN
cblr-1712	755	23	to	to	PART
cblr-1712	755	24	compensate	compensate	VERB
cblr-1712	755	25	or	or	CCONJ
cblr-1712	755	26	to	to	PART
cblr-1712	755	27	deter	deter	VERB
cblr-1712	755	28	in	in	ADP
cblr-1712	755	29	the	the	DET
cblr-1712	755	30	future	future	NOUN
cblr-1712	755	31	.	.	PUNCT
cblr-1712	756	1	to	to	PART
cblr-1712	756	2	measure	measure	VERB
cblr-1712	756	3	the	the	DET
cblr-1712	756	4	significance	significance	NOUN
cblr-1712	756	5	of	of	ADP
cblr-1712	756	6	no	no	DET
cblr-1712	756	7	-	-	PUNCT
cblr-1712	756	8	allegation	allegation	NOUN
cblr-1712	756	9	-	-	PUNCT
cblr-1712	756	10	of	of	ADP
cblr-1712	756	11	-	-	PUNCT
cblr-1712	756	12	injury	injury	NOUN
cblr-1712	756	13	(	(	PUNCT
cblr-1712	756	14	or	or	CCONJ
cblr-1712	756	15	“	"	PUNCT
cblr-1712	756	16	no	no	DET
cblr-1712	756	17	-	-	PUNCT
cblr-1712	756	18	injury	injury	NOUN
cblr-1712	756	19	”	"	PUNCT
cblr-1712	756	20	)	)	PUNCT
cblr-1712	756	21	class	class	NOUN
cblr-1712	756	22	actions	action	NOUN
cblr-1712	756	23	in	in	ADP
cblr-1712	756	24	the	the	DET
cblr-1712	756	25	illinois	illinois	PROPN
cblr-1712	756	26	data	data	PROPN
cblr-1712	756	27	,	,	PUNCT
cblr-1712	756	28	the	the	DET
cblr-1712	756	29	research	research	NOUN
cblr-1712	756	30	team	team	NOUN
cblr-1712	756	31	identified	identify	VERB
cblr-1712	756	32	the	the	DET
cblr-1712	756	33	relevant	relevant	ADJ
cblr-1712	756	34	cases	case	NOUN
cblr-1712	756	35	,	,	PUNCT
cblr-1712	756	36	for	for	ADP
cblr-1712	756	37	example	example	NOUN
cblr-1712	756	38	,	,	PUNCT
cblr-1712	756	39	by	by	ADP
cblr-1712	756	40	examining	examine	VERB
cblr-1712	756	41	whether	whether	SCONJ
cblr-1712	756	42	the	the	DET
cblr-1712	756	43	plaintiff	plaintiff	NOUN
cblr-1712	756	44	alleged	allege	VERB
cblr-1712	756	45	and/or	and/or	CCONJ
cblr-1712	756	46	attempted	attempt	VERB
cblr-1712	756	47	to	to	PART
cblr-1712	756	48	prove	prove	VERB
cblr-1712	756	49	that	that	SCONJ
cblr-1712	756	50	he	he	PRON
cblr-1712	756	51	or	or	CCONJ
cblr-1712	756	52	she	she	PRON
cblr-1712	756	53	suffered	suffer	VERB
cblr-1712	756	54	injury	injury	NOUN
cblr-1712	756	55	.	.	PUNCT
cblr-1712	757	1	under	under	ADP
cblr-1712	757	2	this	this	DET
cblr-1712	757	3	criterion	criterion	NOUN
cblr-1712	757	4	,	,	PUNCT
cblr-1712	757	5	three	three	NUM
cblr-1712	757	6	types	type	NOUN
cblr-1712	757	7	of	of	ADP
cblr-1712	757	8	cases	case	NOUN
cblr-1712	757	9	qualify	qualify	VERB
cblr-1712	757	10	:	:	PUNCT
cblr-1712	757	11	(	(	PUNCT
cblr-1712	757	12	1	1	X
cblr-1712	757	13	)	)	PUNCT
cblr-1712	757	14	efta	efta	NOUN
cblr-1712	757	15	atm	atm	NOUN
cblr-1712	757	16	“	"	PUNCT
cblr-1712	757	17	on	on	ADP
cblr-1712	757	18	or	or	CCONJ
cblr-1712	757	19	at	at	ADP
cblr-1712	757	20	”	"	PUNCT
cblr-1712	757	21	notice	notice	NOUN
cblr-1712	757	22	failures	failure	NOUN
cblr-1712	757	23	;	;	PUNCT
cblr-1712	757	24	(	(	PUNCT
cblr-1712	757	25	2	2	X
cblr-1712	757	26	)	)	PUNCT
cblr-1712	757	27	fcra	fcra	NOUN
cblr-1712	757	28	expiration	expiration	NOUN
cblr-1712	757	29	date	date	NOUN
cblr-1712	757	30	and	and	CCONJ
cblr-1712	757	31	employment	employment	NOUN
cblr-1712	757	32	background	background	NOUN
cblr-1712	757	33	check	check	VERB
cblr-1712	757	34	formalities	formality	NOUN
cblr-1712	757	35	cases	case	NOUN
cblr-1712	757	36	;	;	PUNCT
cblr-1712	757	37	and	and	CCONJ
cblr-1712	757	38	(	(	PUNCT
cblr-1712	757	39	3	3	X
cblr-1712	757	40	)	)	PUNCT
cblr-1712	757	41	fdcpa	fdcpa	NOUN
cblr-1712	757	42	cases	case	NOUN
cblr-1712	757	43	alleging	allege	VERB
cblr-1712	757	44	a	a	DET
cblr-1712	757	45	failure	failure	NOUN
cblr-1712	757	46	to	to	PART
cblr-1712	757	47	follow	follow	VERB
cblr-1712	757	48	formalities	formality	NOUN
cblr-1712	757	49	.	.	PUNCT
cblr-1712	758	1	this	this	PRON
cblr-1712	758	2	leaves	leave	VERB
cblr-1712	758	3	tcpa	tcpa	VERB
cblr-1712	758	4	cases	case	NOUN
cblr-1712	758	5	.	.	PUNCT
cblr-1712	759	1	in	in	ADP
cblr-1712	759	2	passing	pass	VERB
cblr-1712	759	3	the	the	DET
cblr-1712	759	4	tcpa	tcpa	NOUN
cblr-1712	759	5	,	,	PUNCT
cblr-1712	759	6	congress	congress	PROPN
cblr-1712	759	7	found	find	VERB
cblr-1712	759	8	that	that	PRON
cblr-1712	759	9	unconsented	unconsente	VERB
cblr-1712	759	10	autodialed	autodiale	VERB
cblr-1712	759	11	communications	communication	NOUN
cblr-1712	759	12	cause	cause	VERB
cblr-1712	759	13	at	at	ADP
cblr-1712	759	14	least	least	ADJ
cblr-1712	759	15	some	some	PRON
cblr-1712	759	16	annoyance	annoyance	NOUN
cblr-1712	759	17	to	to	ADP
cblr-1712	759	18	the	the	DET
cblr-1712	759	19	recipient	recipient	NOUN
cblr-1712	759	20	and	and	CCONJ
cblr-1712	759	21	that	that	DET
cblr-1712	759	22	lack	lack	NOUN
cblr-1712	759	23	of	of	ADP
cblr-1712	759	24	consent	consent	NOUN
cblr-1712	759	25	was	be	AUX
cblr-1712	759	26	crucial	crucial	ADJ
cblr-1712	759	27	to	to	ADP
cblr-1712	759	28	consumer	consumer	NOUN
cblr-1712	759	29	harm	harm	NOUN
cblr-1712	759	30	.	.	PUNCT
cblr-1712	760	1	all	all	PRON
cblr-1712	760	2	tcpa	tcpa	VERB
cblr-1712	760	3	filings	filing	NOUN
cblr-1712	760	4	in	in	ADP
cblr-1712	760	5	the	the	DET
cblr-1712	760	6	illinois	illinois	PROPN
cblr-1712	760	7	data	data	PROPN
cblr-1712	760	8	allege	allege	NOUN
cblr-1712	760	9	that	that	SCONJ
cblr-1712	760	10	autodialed	autodiale	VERB
cblr-1712	760	11	calls	call	NOUN
cblr-1712	760	12	were	be	AUX
cblr-1712	760	13	made	make	VERB
cblr-1712	760	14	to	to	ADP
cblr-1712	760	15	the	the	DET
cblr-1712	760	16	plaintiff	plaintiff	NOUN
cblr-1712	760	17	without	without	ADP
cblr-1712	760	18	consent	consent	NOUN
cblr-1712	760	19	.	.	PUNCT
cblr-1712	761	1	for	for	ADP
cblr-1712	761	2	this	this	DET
cblr-1712	761	3	reason	reason	NOUN
cblr-1712	761	4	,	,	PUNCT
cblr-1712	761	5	tcpa	tcpa	NOUN
cblr-1712	761	6	cases	case	NOUN
cblr-1712	761	7	are	be	AUX
cblr-1712	761	8	not	not	PART
cblr-1712	761	9	categorized	categorize	VERB
cblr-1712	761	10	as	as	ADP
cblr-1712	761	11	no	no	DET
cblr-1712	761	12	-	-	PUNCT
cblr-1712	761	13	injury	injury	NOUN
cblr-1712	761	14	cases	case	NOUN
cblr-1712	761	15	.	.	PUNCT
cblr-1712	762	1	as	as	SCONJ
cblr-1712	762	2	discussed	discuss	VERB
cblr-1712	762	3	in	in	ADP
cblr-1712	762	4	more	more	ADJ
cblr-1712	762	5	detail	detail	NOUN
cblr-1712	762	6	below	below	ADV
cblr-1712	762	7	,	,	PUNCT
cblr-1712	762	8	however	however	ADV
cblr-1712	762	9	,	,	PUNCT
cblr-1712	762	10	courts	court	NOUN
cblr-1712	762	11	have	have	AUX
cblr-1712	762	12	shifted	shift	VERB
cblr-1712	762	13	to	to	PART
cblr-1712	762	14	tcpa	tcpa	VERB
cblr-1712	762	15	defendants	defendant	NOUN
cblr-1712	762	16	the	the	DET
cblr-1712	762	17	burden	burden	NOUN
cblr-1712	762	18	of	of	ADP
cblr-1712	762	19	proving	prove	VERB
cblr-1712	762	20	that	that	SCONJ
cblr-1712	762	21	the	the	DET
cblr-1712	762	22	plaintiff	plaintiff	NOUN
cblr-1712	762	23	did	do	AUX
cblr-1712	762	24	consent	consent	NOUN
cblr-1712	762	25	.	.	PUNCT
cblr-1712	763	1	thus	thus	ADV
cblr-1712	763	2	,	,	PUNCT
cblr-1712	763	3	tcpa	tcpa	VERB
cblr-1712	763	4	plaintiffs	plaintiff	NOUN
cblr-1712	763	5	merely	merely	ADV
cblr-1712	763	6	must	must	AUX
cblr-1712	763	7	allege	allege	VERB
cblr-1712	763	8	that	that	SCONJ
cblr-1712	763	9	they	they	PRON
cblr-1712	763	10	did	do	AUX
cblr-1712	763	11	not	not	PART
cblr-1712	763	12	consent	consent	VERB
cblr-1712	763	13	to	to	ADP
cblr-1712	763	14	the	the	DET
cblr-1712	763	15	autodialed	autodiale	VERB
cblr-1712	763	16	communication	communication	NOUN
cblr-1712	763	17	.	.	PUNCT
cblr-1712	764	1	many	many	ADJ
cblr-1712	764	2	tcpa	tcpa	NOUN
cblr-1712	764	3	cases	case	NOUN
cblr-1712	764	4	may	may	AUX
cblr-1712	764	5	involve	involve	VERB
cblr-1712	764	6	consent	consent	NOUN
cblr-1712	764	7	and	and	CCONJ
cblr-1712	764	8	no	no	DET
cblr-1712	764	9	harm	harm	NOUN
cblr-1712	764	10	as	as	SCONJ
cblr-1712	764	11	congress	congress	PROPN
cblr-1712	764	12	understood	understand	VERB
cblr-1712	764	13	it	it	PRON
cblr-1712	764	14	.	.	PUNCT
cblr-1712	765	1	for	for	ADP
cblr-1712	765	2	this	this	DET
cblr-1712	765	3	reason	reason	NOUN
cblr-1712	765	4	,	,	PUNCT
cblr-1712	765	5	this	this	DET
cblr-1712	765	6	article	article	NOUN
cblr-1712	765	7	also	also	ADV
cblr-1712	765	8	considers	consider	VERB
cblr-1712	765	9	the	the	DET
cblr-1712	765	10	proportion	proportion	NOUN
cblr-1712	765	11	of	of	ADP
cblr-1712	765	12	no	no	DET
cblr-1712	765	13	-	-	PUNCT
cblr-1712	765	14	injury	injury	NOUN
cblr-1712	765	15	johnston	johnston	PROPN
cblr-1712	765	16	–	–	PUNCT
cblr-1712	765	17	final	final	ADJ
cblr-1712	765	18	66	66	NUM
cblr-1712	765	19	columbia	columbia	PROPN
cblr-1712	765	20	business	business	NOUN
cblr-1712	765	21	law	law	NOUN
cblr-1712	765	22	review	review	NOUN
cblr-1712	765	23	[	[	X
cblr-1712	765	24	vol	vol	NOUN
cblr-1712	765	25	.	.	NOUN
cblr-1712	765	26	2017	2017	NUM
cblr-1712	765	27	filings	filing	NOUN
cblr-1712	765	28	and	and	CCONJ
cblr-1712	765	29	class	class	NOUN
cblr-1712	765	30	settlements	settlement	NOUN
cblr-1712	765	31	with	with	ADP
cblr-1712	765	32	tcpa	tcpa	NOUN
cblr-1712	765	33	filings	filing	NOUN
cblr-1712	765	34	removed	remove	VERB
cblr-1712	765	35	from	from	ADP
cblr-1712	765	36	the	the	DET
cblr-1712	765	37	sample	sample	NOUN
cblr-1712	765	38	.	.	PUNCT
cblr-1712	766	1	consider	consider	VERB
cblr-1712	766	2	first	first	ADV
cblr-1712	766	3	the	the	DET
cblr-1712	766	4	numbers	number	NOUN
cblr-1712	766	5	on	on	ADP
cblr-1712	766	6	no	no	DET
cblr-1712	766	7	-	-	PUNCT
cblr-1712	766	8	injury	injury	NOUN
cblr-1712	766	9	filings	filing	NOUN
cblr-1712	766	10	,	,	PUNCT
cblr-1712	766	11	including	include	VERB
cblr-1712	766	12	tcpa	tcpa	NOUN
cblr-1712	766	13	cases	case	NOUN
cblr-1712	766	14	.	.	PUNCT
cblr-1712	767	1	of	of	ADP
cblr-1712	767	2	327	327	NUM
cblr-1712	767	3	total	total	ADJ
cblr-1712	767	4	filings	filing	NOUN
cblr-1712	767	5	,	,	PUNCT
cblr-1712	767	6	a	a	DET
cblr-1712	767	7	total	total	NOUN
cblr-1712	767	8	of	of	ADP
cblr-1712	767	9	148	148	NUM
cblr-1712	767	10	,	,	PUNCT
cblr-1712	767	11	or	or	CCONJ
cblr-1712	767	12	45	45	NUM
cblr-1712	767	13	%	%	NOUN
cblr-1712	767	14	,	,	PUNCT
cblr-1712	767	15	contain	contain	VERB
cblr-1712	767	16	no	no	DET
cblr-1712	767	17	allegation	allegation	NOUN
cblr-1712	767	18	of	of	ADP
cblr-1712	767	19	plaintiff	plaintiff	NOUN
cblr-1712	767	20	injury.150	injury.150	ADV
cblr-1712	767	21	thus	thus	ADV
cblr-1712	767	22	,	,	PUNCT
cblr-1712	767	23	even	even	ADV
cblr-1712	767	24	including	include	VERB
cblr-1712	767	25	all	all	DET
cblr-1712	767	26	tcpa	tcpa	NOUN
cblr-1712	767	27	cases	case	NOUN
cblr-1712	767	28	,	,	PUNCT
cblr-1712	767	29	no	no	DET
cblr-1712	767	30	-	-	PUNCT
cblr-1712	767	31	injury	injury	NOUN
cblr-1712	767	32	cases	case	NOUN
cblr-1712	767	33	comprise	comprise	VERB
cblr-1712	767	34	almost	almost	ADV
cblr-1712	767	35	half	half	NOUN
cblr-1712	767	36	of	of	ADP
cblr-1712	767	37	the	the	DET
cblr-1712	767	38	cases	case	NOUN
cblr-1712	767	39	in	in	ADP
cblr-1712	767	40	the	the	DET
cblr-1712	767	41	illinois	illinois	PROPN
cblr-1712	767	42	data	data	PROPN
cblr-1712	767	43	.	.	PUNCT
cblr-1712	768	1	as	as	ADP
cblr-1712	768	2	for	for	ADP
cblr-1712	768	3	the	the	DET
cblr-1712	768	4	class	class	NOUN
cblr-1712	768	5	settlement	settlement	NOUN
cblr-1712	768	6	outcome	outcome	NOUN
cblr-1712	768	7	,	,	PUNCT
cblr-1712	768	8	the	the	DET
cblr-1712	768	9	question	question	NOUN
cblr-1712	768	10	is	be	AUX
cblr-1712	768	11	whether	whether	SCONJ
cblr-1712	768	12	no	no	DET
cblr-1712	768	13	-	-	PUNCT
cblr-1712	768	14	injury	injury	NOUN
cblr-1712	768	15	cases	case	NOUN
cblr-1712	768	16	occur	occur	VERB
cblr-1712	768	17	with	with	ADP
cblr-1712	768	18	a	a	DET
cblr-1712	768	19	statistically	statistically	ADV
cblr-1712	768	20	significant	significant	ADJ
cblr-1712	768	21	higher	high	ADJ
cblr-1712	768	22	probability	probability	NOUN
cblr-1712	768	23	among	among	ADP
cblr-1712	768	24	filings	filing	NOUN
cblr-1712	768	25	ending	end	VERB
cblr-1712	768	26	in	in	ADP
cblr-1712	768	27	class	class	NOUN
cblr-1712	768	28	settlement	settlement	NOUN
cblr-1712	768	29	than	than	ADP
cblr-1712	768	30	filings	filing	NOUN
cblr-1712	768	31	ending	end	VERB
cblr-1712	768	32	in	in	ADP
cblr-1712	768	33	other	other	ADJ
cblr-1712	768	34	ways	way	NOUN
cblr-1712	768	35	.	.	PUNCT
cblr-1712	769	1	no	no	DET
cblr-1712	769	2	-	-	PUNCT
cblr-1712	769	3	injury	injury	NOUN
cblr-1712	769	4	cases	case	NOUN
cblr-1712	769	5	make	make	VERB
cblr-1712	769	6	up	up	ADP
cblr-1712	769	7	47	47	NUM
cblr-1712	769	8	%	%	NOUN
cblr-1712	769	9	of	of	ADP
cblr-1712	769	10	the	the	DET
cblr-1712	769	11	cases	case	NOUN
cblr-1712	769	12	ending	end	VERB
cblr-1712	769	13	in	in	ADP
cblr-1712	769	14	class	class	NOUN
cblr-1712	769	15	settlement	settlement	NOUN
cblr-1712	769	16	(	(	PUNCT
cblr-1712	769	17	40	40	NUM
cblr-1712	769	18	out	out	ADP
cblr-1712	769	19	of	of	ADP
cblr-1712	769	20	85	85	NUM
cblr-1712	769	21	)	)	PUNCT
cblr-1712	769	22	,	,	PUNCT
cblr-1712	769	23	and	and	CCONJ
cblr-1712	769	24	49	49	NUM
cblr-1712	769	25	%	%	NOUN
cblr-1712	769	26	of	of	ADP
cblr-1712	769	27	cases	case	NOUN
cblr-1712	769	28	that	that	PRON
cblr-1712	769	29	do	do	AUX
cblr-1712	769	30	not	not	PART
cblr-1712	769	31	end	end	VERB
cblr-1712	769	32	in	in	ADP
cblr-1712	769	33	a	a	DET
cblr-1712	769	34	class	class	NOUN
cblr-1712	769	35	settlement	settlement	NOUN
cblr-1712	769	36	(	(	PUNCT
cblr-1712	769	37	118	118	NUM
cblr-1712	769	38	out	out	ADP
cblr-1712	769	39	of	of	ADP
cblr-1712	769	40	242	242	NUM
cblr-1712	769	41	)	)	PUNCT
cblr-1712	769	42	.	.	PUNCT
cblr-1712	770	1	this	this	DET
cblr-1712	770	2	difference	difference	NOUN
cblr-1712	770	3	is	be	AUX
cblr-1712	770	4	not	not	PART
cblr-1712	770	5	statistically	statistically	ADV
cblr-1712	770	6	significant	significant	ADJ
cblr-1712	770	7	,	,	PUNCT
cblr-1712	770	8	and	and	CCONJ
cblr-1712	770	9	in	in	ADP
cblr-1712	770	10	any	any	DET
cblr-1712	770	11	event	event	NOUN
cblr-1712	770	12	,	,	PUNCT
cblr-1712	770	13	no	no	DET
cblr-1712	770	14	-	-	PUNCT
cblr-1712	770	15	injury	injury	NOUN
cblr-1712	770	16	cases	case	NOUN
cblr-1712	770	17	are	be	AUX
cblr-1712	770	18	more	more	ADV
cblr-1712	770	19	likely	likely	ADJ
cblr-1712	770	20	in	in	ADP
cblr-1712	770	21	the	the	DET
cblr-1712	770	22	set	set	NOUN
cblr-1712	770	23	of	of	ADP
cblr-1712	770	24	filings	filing	NOUN
cblr-1712	770	25	that	that	PRON
cblr-1712	770	26	do	do	AUX
cblr-1712	770	27	not	not	PART
cblr-1712	770	28	end	end	VERB
cblr-1712	770	29	in	in	ADP
cblr-1712	770	30	class	class	NOUN
cblr-1712	770	31	settlement	settlement	NOUN
cblr-1712	770	32	than	than	ADP
cblr-1712	770	33	in	in	ADP
cblr-1712	770	34	those	those	PRON
cblr-1712	770	35	that	that	PRON
cblr-1712	770	36	do.151	do.151	NOUN
cblr-1712	770	37	these	these	DET
cblr-1712	770	38	numbers	number	NOUN
cblr-1712	770	39	are	be	AUX
cblr-1712	770	40	derived	derive	VERB
cblr-1712	770	41	under	under	ADP
cblr-1712	770	42	the	the	DET
cblr-1712	770	43	assumption	assumption	NOUN
cblr-1712	770	44	that	that	SCONJ
cblr-1712	770	45	all	all	DET
cblr-1712	770	46	tcpa	tcpa	NOUN
cblr-1712	770	47	cases	case	NOUN
cblr-1712	770	48	are	be	AUX
cblr-1712	770	49	properly	properly	ADV
cblr-1712	770	50	included	include	VERB
cblr-1712	770	51	as	as	ADP
cblr-1712	770	52	cases	case	NOUN
cblr-1712	770	53	involving	involve	VERB
cblr-1712	770	54	an	an	DET
cblr-1712	770	55	allegation	allegation	NOUN
cblr-1712	770	56	of	of	ADP
cblr-1712	770	57	harm	harm	NOUN
cblr-1712	770	58	.	.	PUNCT
cblr-1712	771	1	after	after	ADP
cblr-1712	771	2	excluding	exclude	VERB
cblr-1712	771	3	tcpa	tcpa	NOUN
cblr-1712	771	4	filings	filing	NOUN
cblr-1712	771	5	,	,	PUNCT
cblr-1712	771	6	216	216	NUM
cblr-1712	771	7	filings	filing	NOUN
cblr-1712	771	8	remain	remain	VERB
cblr-1712	771	9	,	,	PUNCT
cblr-1712	771	10	of	of	ADP
cblr-1712	771	11	which	which	PRON
cblr-1712	771	12	158	158	NUM
cblr-1712	771	13	,	,	PUNCT
cblr-1712	771	14	or	or	CCONJ
cblr-1712	771	15	73	73	NUM
cblr-1712	771	16	%	%	NOUN
cblr-1712	771	17	,	,	PUNCT
cblr-1712	771	18	are	be	AUX
cblr-1712	771	19	cases	case	NOUN
cblr-1712	771	20	with	with	ADP
cblr-1712	771	21	no	no	DET
cblr-1712	771	22	allegation	allegation	NOUN
cblr-1712	771	23	that	that	SCONJ
cblr-1712	771	24	the	the	DET
cblr-1712	771	25	plaintiff	plaintiff	NOUN
cblr-1712	771	26	suffered	suffer	VERB
cblr-1712	771	27	harm	harm	NOUN
cblr-1712	771	28	.	.	PUNCT
cblr-1712	772	1	in	in	ADP
cblr-1712	772	2	the	the	DET
cblr-1712	772	3	sample	sample	NOUN
cblr-1712	772	4	with	with	ADP
cblr-1712	772	5	tcpa	tcpa	NOUN
cblr-1712	772	6	filings	filing	NOUN
cblr-1712	772	7	excluded	exclude	VERB
cblr-1712	772	8	,	,	PUNCT
cblr-1712	772	9	where	where	SCONJ
cblr-1712	772	10	80	80	NUM
cblr-1712	772	11	%	%	NOUN
cblr-1712	772	12	of	of	ADP
cblr-1712	772	13	the	the	DET
cblr-1712	772	14	class	class	NOUN
cblr-1712	772	15	settlements	settlement	NOUN
cblr-1712	772	16	involved	involve	VERB
cblr-1712	772	17	cases	case	NOUN
cblr-1712	772	18	with	with	ADP
cblr-1712	772	19	no	no	DET
cblr-1712	772	20	-	-	PUNCT
cblr-1712	772	21	injury	injury	NOUN
cblr-1712	772	22	allegations	allegation	NOUN
cblr-1712	772	23	,	,	PUNCT
cblr-1712	772	24	only	only	ADV
cblr-1712	772	25	72	72	NUM
cblr-1712	772	26	%	%	NOUN
cblr-1712	772	27	(	(	PUNCT
cblr-1712	772	28	or	or	CCONJ
cblr-1712	772	29	118	118	NUM
cblr-1712	772	30	out	out	ADP
cblr-1712	772	31	of	of	ADP
cblr-1712	772	32	164	164	NUM
cblr-1712	772	33	)	)	PUNCT
cblr-1712	772	34	of	of	ADP
cblr-1712	772	35	cases	case	NOUN
cblr-1712	772	36	that	that	PRON
cblr-1712	772	37	did	do	AUX
cblr-1712	772	38	not	not	PART
cblr-1712	772	39	end	end	VERB
cblr-1712	772	40	in	in	ADP
cblr-1712	772	41	class	class	NOUN
cblr-1712	772	42	settlement	settlement	NOUN
cblr-1712	772	43	were	be	AUX
cblr-1712	772	44	no	no	DET
cblr-1712	772	45	-	-	PUNCT
cblr-1712	772	46	injury	injury	NOUN
cblr-1712	772	47	cases	case	NOUN
cblr-1712	772	48	.	.	PUNCT
cblr-1712	773	1	thus	thus	ADV
cblr-1712	773	2	,	,	PUNCT
cblr-1712	773	3	with	with	SCONJ
cblr-1712	773	4	tcpa	tcpa	NOUN
cblr-1712	773	5	filings	filing	NOUN
cblr-1712	773	6	excluded	exclude	VERB
cblr-1712	773	7	,	,	PUNCT
cblr-1712	773	8	no	no	DET
cblr-1712	773	9	-	-	PUNCT
cblr-1712	773	10	injury	injury	NOUN
cblr-1712	773	11	cases	case	NOUN
cblr-1712	773	12	are	be	AUX
cblr-1712	773	13	150	150	NUM
cblr-1712	773	14	there	there	PRON
cblr-1712	773	15	are	be	VERB
cblr-1712	773	16	43	43	NUM
cblr-1712	773	17	atm	atm	ADJ
cblr-1712	773	18	no	no	DET
cblr-1712	773	19	-	-	PUNCT
cblr-1712	773	20	harm	harm	NOUN
cblr-1712	773	21	filings	filing	NOUN
cblr-1712	773	22	,	,	PUNCT
cblr-1712	773	23	44	44	NUM
cblr-1712	773	24	fcra	fcra	NOUN
cblr-1712	773	25	expiration	expiration	NOUN
cblr-1712	773	26	date	date	NOUN
cblr-1712	773	27	or	or	CCONJ
cblr-1712	773	28	background	background	NOUN
cblr-1712	773	29	check	check	VERB
cblr-1712	773	30	filings	filing	NOUN
cblr-1712	773	31	,	,	PUNCT
cblr-1712	773	32	and	and	CCONJ
cblr-1712	773	33	71	71	NUM
cblr-1712	773	34	fdcpa	fdcpa	NOUN
cblr-1712	773	35	formality	formality	NOUN
cblr-1712	773	36	filings	filing	NOUN
cblr-1712	773	37	,	,	PUNCT
cblr-1712	773	38	for	for	ADP
cblr-1712	773	39	a	a	DET
cblr-1712	773	40	total	total	NOUN
cblr-1712	773	41	of	of	ADP
cblr-1712	773	42	148	148	NUM
cblr-1712	773	43	no	no	DET
cblr-1712	773	44	-	-	PUNCT
cblr-1712	773	45	harm	harm	NOUN
cblr-1712	773	46	filings	filing	NOUN
cblr-1712	773	47	;	;	PUNCT
cblr-1712	774	1	148/327	148/327	PROPN
cblr-1712	774	2	=	=	SYM
cblr-1712	774	3	45	45	NUM
cblr-1712	774	4	%	%	NOUN
cblr-1712	774	5	no	no	DET
cblr-1712	774	6	allegation	allegation	NOUN
cblr-1712	774	7	of	of	ADP
cblr-1712	774	8	harm	harm	NOUN
cblr-1712	774	9	filings	filing	NOUN
cblr-1712	774	10	.	.	PUNCT
cblr-1712	775	1	151	151	NUM
cblr-1712	775	2	in	in	ADP
cblr-1712	775	3	the	the	DET
cblr-1712	775	4	full	full	ADJ
cblr-1712	775	5	sample	sample	NOUN
cblr-1712	775	6	,	,	PUNCT
cblr-1712	775	7	with	with	SCONJ
cblr-1712	775	8	tcpa	tcpa	NOUN
cblr-1712	775	9	cases	case	NOUN
cblr-1712	775	10	included	include	VERB
cblr-1712	775	11	as	as	ADP
cblr-1712	775	12	cases	case	NOUN
cblr-1712	775	13	alleging	allege	VERB
cblr-1712	775	14	harm	harm	NOUN
cblr-1712	775	15	,	,	PUNCT
cblr-1712	775	16	there	there	PRON
cblr-1712	775	17	are	be	VERB
cblr-1712	775	18	327	327	NUM
cblr-1712	775	19	total	total	ADJ
cblr-1712	775	20	cases	case	NOUN
cblr-1712	775	21	,	,	PUNCT
cblr-1712	775	22	with	with	ADP
cblr-1712	775	23	158	158	NUM
cblr-1712	775	24	(	(	PUNCT
cblr-1712	775	25	or	or	CCONJ
cblr-1712	775	26	48	48	NUM
cblr-1712	775	27	%	%	NOUN
cblr-1712	775	28	)	)	PUNCT
cblr-1712	775	29	involving	involve	VERB
cblr-1712	775	30	no	no	DET
cblr-1712	775	31	harm	harm	NOUN
cblr-1712	775	32	.	.	PUNCT
cblr-1712	776	1	of	of	ADP
cblr-1712	776	2	the	the	DET
cblr-1712	776	3	242	242	NUM
cblr-1712	776	4	cases	case	NOUN
cblr-1712	776	5	not	not	PART
cblr-1712	776	6	ending	end	VERB
cblr-1712	776	7	in	in	ADP
cblr-1712	776	8	class	class	NOUN
cblr-1712	776	9	settlement	settlement	NOUN
cblr-1712	776	10	,	,	PUNCT
cblr-1712	776	11	118	118	NUM
cblr-1712	776	12	(	(	PUNCT
cblr-1712	776	13	or	or	CCONJ
cblr-1712	776	14	49	49	NUM
cblr-1712	776	15	%	%	NOUN
cblr-1712	776	16	of	of	ADP
cblr-1712	776	17	the	the	DET
cblr-1712	776	18	total	total	NOUN
cblr-1712	776	19	)	)	PUNCT
cblr-1712	776	20	were	be	AUX
cblr-1712	776	21	cases	case	NOUN
cblr-1712	776	22	were	be	AUX
cblr-1712	776	23	no	no	DET
cblr-1712	776	24	-	-	PUNCT
cblr-1712	776	25	injury	injury	NOUN
cblr-1712	776	26	cases	case	NOUN
cblr-1712	776	27	as	as	SCONJ
cblr-1712	776	28	categorized	categorize	VERB
cblr-1712	776	29	in	in	ADP
cblr-1712	776	30	the	the	DET
cblr-1712	776	31	text	text	NOUN
cblr-1712	776	32	.	.	PUNCT
cblr-1712	777	1	of	of	ADP
cblr-1712	777	2	the	the	DET
cblr-1712	777	3	85	85	NUM
cblr-1712	777	4	cases	case	NOUN
cblr-1712	777	5	ending	end	VERB
cblr-1712	777	6	in	in	ADP
cblr-1712	777	7	class	class	NOUN
cblr-1712	777	8	settlement	settlement	NOUN
cblr-1712	777	9	,	,	PUNCT
cblr-1712	777	10	40	40	NUM
cblr-1712	777	11	(	(	PUNCT
cblr-1712	777	12	or	or	CCONJ
cblr-1712	777	13	47	47	NUM
cblr-1712	777	14	%	%	NOUN
cblr-1712	777	15	of	of	ADP
cblr-1712	777	16	this	this	DET
cblr-1712	777	17	sample	sample	NOUN
cblr-1712	777	18	)	)	PUNCT
cblr-1712	777	19	involved	involve	VERB
cblr-1712	777	20	no	no	DET
cblr-1712	777	21	harm	harm	NOUN
cblr-1712	777	22	.	.	PUNCT
cblr-1712	778	1	with	with	ADP
cblr-1712	778	2	a	a	DET
cblr-1712	778	3	z	z	NOUN
cblr-1712	778	4	statistic	statistic	NOUN
cblr-1712	778	5	of	of	ADP
cblr-1712	778	6	only	only	ADJ
cblr-1712	778	7	.33	.33	NUM
cblr-1712	778	8	,	,	PUNCT
cblr-1712	778	9	the	the	DET
cblr-1712	778	10	difference	difference	NOUN
cblr-1712	778	11	between	between	ADP
cblr-1712	778	12	the	the	DET
cblr-1712	778	13	.49	.49	NUM
cblr-1712	778	14	rate	rate	NOUN
cblr-1712	778	15	at	at	ADP
cblr-1712	778	16	which	which	PRON
cblr-1712	778	17	no	no	DET
cblr-1712	778	18	-	-	PUNCT
cblr-1712	778	19	injury	injury	NOUN
cblr-1712	778	20	cases	case	NOUN
cblr-1712	778	21	appear	appear	VERB
cblr-1712	778	22	in	in	ADP
cblr-1712	778	23	the	the	DET
cblr-1712	778	24	sample	sample	NOUN
cblr-1712	778	25	that	that	PRON
cblr-1712	778	26	does	do	AUX
cblr-1712	778	27	not	not	PART
cblr-1712	778	28	end	end	VERB
cblr-1712	778	29	in	in	ADP
cblr-1712	778	30	a	a	DET
cblr-1712	778	31	class	class	NOUN
cblr-1712	778	32	settlement	settlement	NOUN
cblr-1712	778	33	and	and	CCONJ
cblr-1712	778	34	the	the	DET
cblr-1712	778	35	.47	.47	NUM
cblr-1712	778	36	rate	rate	NOUN
cblr-1712	778	37	at	at	ADP
cblr-1712	778	38	which	which	PRON
cblr-1712	778	39	they	they	PRON
cblr-1712	778	40	appear	appear	VERB
cblr-1712	778	41	in	in	ADP
cblr-1712	778	42	the	the	DET
cblr-1712	778	43	sample	sample	NOUN
cblr-1712	778	44	ending	end	VERB
cblr-1712	778	45	in	in	ADP
cblr-1712	778	46	class	class	NOUN
cblr-1712	778	47	settlement	settlement	NOUN
cblr-1712	778	48	is	be	AUX
cblr-1712	778	49	not	not	PART
cblr-1712	778	50	statistically	statistically	ADV
cblr-1712	778	51	significant	significant	ADJ
cblr-1712	778	52	(	(	PUNCT
cblr-1712	778	53	we	we	PRON
cblr-1712	778	54	can	can	AUX
cblr-1712	778	55	not	not	PART
cblr-1712	778	56	reject	reject	VERB
cblr-1712	778	57	the	the	DET
cblr-1712	778	58	null	null	NOUN
cblr-1712	778	59	of	of	ADP
cblr-1712	778	60	equal	equal	ADJ
cblr-1712	778	61	proportions	proportion	NOUN
cblr-1712	778	62	)	)	PUNCT
cblr-1712	778	63	.	.	PUNCT
cblr-1712	779	1	johnston	johnston	PROPN
cblr-1712	779	2	–	–	PUNCT
cblr-1712	779	3	final	final	ADJ
cblr-1712	779	4	no	no	NOUN
cblr-1712	779	5	.	.	NOUN
cblr-1712	779	6	1:1	1:1	NUM
cblr-1712	779	7	]	]	X
cblr-1712	779	8	high	high	ADJ
cblr-1712	779	9	cost	cost	NOUN
cblr-1712	779	10	,	,	PUNCT
cblr-1712	779	11	little	little	ADJ
cblr-1712	779	12	compensation	compensation	NOUN
cblr-1712	779	13	67	67	NUM
cblr-1712	779	14	significantly	significantly	ADV
cblr-1712	779	15	more	more	ADV
cblr-1712	779	16	likely	likely	ADJ
cblr-1712	779	17	to	to	PART
cblr-1712	779	18	end	end	VERB
cblr-1712	779	19	in	in	ADP
cblr-1712	779	20	class	class	NOUN
cblr-1712	779	21	settlement	settlement	NOUN
cblr-1712	779	22	than	than	ADP
cblr-1712	779	23	other	other	ADJ
cblr-1712	779	24	types	type	NOUN
cblr-1712	779	25	of	of	ADP
cblr-1712	779	26	filings.152	filings.152	NOUN
cblr-1712	779	27	what	what	PRON
cblr-1712	779	28	is	be	AUX
cblr-1712	779	29	perhaps	perhaps	ADV
cblr-1712	779	30	most	most	ADV
cblr-1712	779	31	striking	striking	ADJ
cblr-1712	779	32	about	about	ADP
cblr-1712	779	33	the	the	DET
cblr-1712	779	34	illinois	illinois	PROPN
cblr-1712	779	35	data	data	PROPN
cblr-1712	779	36	is	be	AUX
cblr-1712	779	37	the	the	DET
cblr-1712	779	38	high	high	ADJ
cblr-1712	779	39	fraction	fraction	NOUN
cblr-1712	779	40	of	of	ADP
cblr-1712	779	41	cases	case	NOUN
cblr-1712	779	42	without	without	ADP
cblr-1712	779	43	any	any	DET
cblr-1712	779	44	allegation	allegation	NOUN
cblr-1712	779	45	of	of	ADP
cblr-1712	779	46	actual	actual	ADJ
cblr-1712	779	47	harm	harm	NOUN
cblr-1712	779	48	.	.	PUNCT
cblr-1712	780	1	excluding	exclude	VERB
cblr-1712	780	2	tcpa	tcpa	NOUN
cblr-1712	780	3	cases	case	NOUN
cblr-1712	780	4	,	,	PUNCT
cblr-1712	780	5	the	the	DET
cblr-1712	780	6	data	datum	NOUN
cblr-1712	780	7	shows	show	VERB
cblr-1712	780	8	that	that	SCONJ
cblr-1712	780	9	no	no	DET
cblr-1712	780	10	-	-	PUNCT
cblr-1712	780	11	harm	harm	NOUN
cblr-1712	780	12	class	class	NOUN
cblr-1712	780	13	actions	action	NOUN
cblr-1712	780	14	are	be	AUX
cblr-1712	780	15	significantly	significantly	ADV
cblr-1712	780	16	more	more	ADV
cblr-1712	780	17	likely	likely	ADJ
cblr-1712	780	18	to	to	PART
cblr-1712	780	19	end	end	VERB
cblr-1712	780	20	in	in	ADP
cblr-1712	780	21	class	class	NOUN
cblr-1712	780	22	settlement	settlement	NOUN
cblr-1712	780	23	than	than	ADP
cblr-1712	780	24	otherwise	otherwise	ADV
cblr-1712	780	25	.	.	PUNCT
cblr-1712	781	1	some	some	PRON
cblr-1712	781	2	of	of	ADP
cblr-1712	781	3	these	these	DET
cblr-1712	781	4	settlements	settlement	NOUN
cblr-1712	781	5	seem	seem	VERB
cblr-1712	781	6	clearly	clearly	ADV
cblr-1712	781	7	to	to	PART
cblr-1712	781	8	involve	involve	VERB
cblr-1712	781	9	payments	payment	NOUN
cblr-1712	781	10	to	to	ADP
cblr-1712	781	11	class	class	NOUN
cblr-1712	781	12	counsel	counsel	NOUN
cblr-1712	781	13	and	and	CCONJ
cblr-1712	781	14	consumers	consumer	NOUN
cblr-1712	781	15	where	where	SCONJ
cblr-1712	781	16	no	no	DET
cblr-1712	781	17	consumer	consumer	NOUN
cblr-1712	781	18	has	have	AUX
cblr-1712	781	19	even	even	ADV
cblr-1712	781	20	suffered	suffer	VERB
cblr-1712	781	21	harm	harm	NOUN
cblr-1712	781	22	.	.	PUNCT
cblr-1712	782	1	under	under	ADP
cblr-1712	782	2	the	the	DET
cblr-1712	782	3	fcra	fcra	NOUN
cblr-1712	782	4	,	,	PUNCT
cblr-1712	782	5	it	it	PRON
cblr-1712	782	6	is	be	AUX
cblr-1712	782	7	now	now	ADV
cblr-1712	782	8	widely	widely	ADV
cblr-1712	782	9	acknowledged	acknowledge	VERB
cblr-1712	782	10	that	that	SCONJ
cblr-1712	782	11	printing	print	VERB
cblr-1712	782	12	an	an	DET
cblr-1712	782	13	expiration	expiration	NOUN
cblr-1712	782	14	date	date	NOUN
cblr-1712	782	15	on	on	ADP
cblr-1712	782	16	a	a	DET
cblr-1712	782	17	credit	credit	NOUN
cblr-1712	782	18	-	-	PUNCT
cblr-1712	782	19	card	card	NOUN
cblr-1712	782	20	receipt	receipt	NOUN
cblr-1712	782	21	can	can	AUX
cblr-1712	782	22	not	not	PART
cblr-1712	782	23	compromise	compromise	VERB
cblr-1712	782	24	cardholder	cardholder	NOUN
cblr-1712	782	25	identity	identity	NOUN
cblr-1712	782	26	.	.	PUNCT
cblr-1712	783	1	many	many	ADJ
cblr-1712	783	2	believe	believe	VERB
cblr-1712	783	3	that	that	SCONJ
cblr-1712	783	4	failure	failure	NOUN
cblr-1712	783	5	of	of	ADP
cblr-1712	783	6	an	an	DET
cblr-1712	783	7	employer	employer	NOUN
cblr-1712	783	8	to	to	PART
cblr-1712	783	9	comply	comply	VERB
cblr-1712	783	10	with	with	ADP
cblr-1712	783	11	the	the	DET
cblr-1712	783	12	various	various	ADJ
cblr-1712	783	13	disclosures	disclosure	NOUN
cblr-1712	783	14	and	and	CCONJ
cblr-1712	783	15	other	other	ADJ
cblr-1712	783	16	formalities	formality	NOUN
cblr-1712	783	17	required	require	VERB
cblr-1712	783	18	by	by	ADP
cblr-1712	783	19	the	the	DET
cblr-1712	783	20	fcra	fcra	NOUN
cblr-1712	783	21	of	of	ADP
cblr-1712	783	22	employers	employer	NOUN
cblr-1712	783	23	who	who	PRON
cblr-1712	783	24	use	use	VERB
cblr-1712	783	25	employment	employment	NOUN
cblr-1712	783	26	background	background	NOUN
cblr-1712	783	27	checks	check	NOUN
cblr-1712	783	28	causes	cause	VERB
cblr-1712	783	29	no	no	DET
cblr-1712	783	30	harm	harm	NOUN
cblr-1712	783	31	to	to	ADP
cblr-1712	783	32	any	any	DET
cblr-1712	783	33	employment	employment	NOUN
cblr-1712	783	34	applicant	applicant	NOUN
cblr-1712	783	35	.	.	PUNCT
cblr-1712	784	1	the	the	DET
cblr-1712	784	2	same	same	ADJ
cblr-1712	784	3	is	be	AUX
cblr-1712	784	4	true	true	ADJ
cblr-1712	784	5	for	for	ADP
cblr-1712	784	6	the	the	DET
cblr-1712	784	7	most	most	ADV
cblr-1712	784	8	commonly	commonly	ADV
cblr-1712	784	9	occurring	occur	VERB
cblr-1712	784	10	class	class	NOUN
cblr-1712	784	11	settlement	settlement	NOUN
cblr-1712	784	12	under	under	ADP
cblr-1712	784	13	the	the	DET
cblr-1712	784	14	fdcpa	fdcpa	NOUN
cblr-1712	784	15	,	,	PUNCT
cblr-1712	784	16	those	those	PRON
cblr-1712	784	17	involving	involve	VERB
cblr-1712	784	18	a	a	DET
cblr-1712	784	19	failure	failure	NOUN
cblr-1712	784	20	to	to	PART
cblr-1712	784	21	follow	follow	VERB
cblr-1712	784	22	various	various	ADJ
cblr-1712	784	23	disclosure	disclosure	NOUN
cblr-1712	784	24	formalities	formality	NOUN
cblr-1712	784	25	—	—	PUNCT
cblr-1712	784	26	a	a	DET
cblr-1712	784	27	failure	failure	NOUN
cblr-1712	784	28	that	that	PRON
cblr-1712	784	29	does	do	AUX
cblr-1712	784	30	not	not	PART
cblr-1712	784	31	cause	cause	VERB
cblr-1712	784	32	harm	harm	NOUN
cblr-1712	784	33	to	to	ADP
cblr-1712	784	34	any	any	DET
cblr-1712	784	35	debtor	debtor	NOUN
cblr-1712	784	36	.	.	PUNCT
cblr-1712	785	1	on	on	ADP
cblr-1712	785	2	the	the	DET
cblr-1712	785	3	other	other	ADJ
cblr-1712	785	4	hand	hand	NOUN
cblr-1712	785	5	,	,	PUNCT
cblr-1712	785	6	it	it	PRON
cblr-1712	785	7	may	may	AUX
cblr-1712	785	8	be	be	AUX
cblr-1712	785	9	argued	argue	VERB
cblr-1712	785	10	that	that	SCONJ
cblr-1712	785	11	even	even	ADV
cblr-1712	785	12	if	if	SCONJ
cblr-1712	785	13	the	the	DET
cblr-1712	785	14	fcra	fcra	NOUN
cblr-1712	785	15	expiration	expiration	NOUN
cblr-1712	785	16	cases	case	NOUN
cblr-1712	785	17	are	be	AUX
cblr-1712	785	18	conceded	concede	VERB
cblr-1712	785	19	to	to	PART
cblr-1712	785	20	involve	involve	VERB
cblr-1712	785	21	no	no	DET
cblr-1712	785	22	harm	harm	NOUN
cblr-1712	785	23	to	to	ADP
cblr-1712	785	24	consumers	consumer	NOUN
cblr-1712	785	25	,	,	PUNCT
cblr-1712	785	26	failure	failure	NOUN
cblr-1712	785	27	to	to	PART
cblr-1712	785	28	follow	follow	VERB
cblr-1712	785	29	disclosure	disclosure	NOUN
cblr-1712	785	30	requirements	requirement	NOUN
cblr-1712	785	31	under	under	ADP
cblr-1712	785	32	frca	frca	NOUN
cblr-1712	785	33	and	and	CCONJ
cblr-1712	785	34	the	the	DET
cblr-1712	785	35	fdcpa	fdcpa	NOUN
cblr-1712	785	36	may	may	AUX
cblr-1712	785	37	sometimes	sometimes	ADV
cblr-1712	785	38	lead	lead	VERB
cblr-1712	785	39	to	to	ADP
cblr-1712	785	40	harm	harm	NOUN
cblr-1712	785	41	.	.	PUNCT
cblr-1712	786	1	a	a	DET
cblr-1712	786	2	consumer	consumer	NOUN
cblr-1712	786	3	properly	properly	ADV
cblr-1712	786	4	informed	inform	VERB
cblr-1712	786	5	of	of	ADP
cblr-1712	786	6	a	a	DET
cblr-1712	786	7	background	background	NOUN
cblr-1712	786	8	report	report	NOUN
cblr-1712	786	9	could	could	AUX
cblr-1712	786	10	discover	discover	VERB
cblr-1712	786	11	and	and	CCONJ
cblr-1712	786	12	report	report	VERB
cblr-1712	786	13	errors	error	NOUN
cblr-1712	786	14	and	and	CCONJ
cblr-1712	786	15	persuade	persuade	VERB
cblr-1712	786	16	a	a	DET
cblr-1712	786	17	prospective	prospective	ADJ
cblr-1712	786	18	employer	employer	NOUN
cblr-1712	786	19	to	to	PART
cblr-1712	786	20	look	look	VERB
cblr-1712	786	21	past	past	ADP
cblr-1712	786	22	the	the	DET
cblr-1712	786	23	report	report	NOUN
cblr-1712	786	24	in	in	ADP
cblr-1712	786	25	making	make	VERB
cblr-1712	786	26	its	its	PRON
cblr-1712	786	27	hiring	hire	VERB
cblr-1712	786	28	decision	decision	NOUN
cblr-1712	786	29	.	.	PUNCT
cblr-1712	787	1	if	if	SCONJ
cblr-1712	787	2	a	a	DET
cblr-1712	787	3	consumer	consumer	NOUN
cblr-1712	787	4	knows	know	VERB
cblr-1712	787	5	that	that	SCONJ
cblr-1712	787	6	a	a	DET
cblr-1712	787	7	debt	debt	NOUN
cblr-1712	787	8	collector	collector	NOUN
cblr-1712	787	9	is	be	AUX
cblr-1712	787	10	attempting	attempt	VERB
cblr-1712	787	11	to	to	PART
cblr-1712	787	12	communicate	communicate	VERB
cblr-1712	787	13	,	,	PUNCT
cblr-1712	787	14	he	he	PRON
cblr-1712	787	15	or	or	CCONJ
cblr-1712	787	16	she	she	PRON
cblr-1712	787	17	might	might	AUX
cblr-1712	787	18	be	be	AUX
cblr-1712	787	19	able	able	ADJ
cblr-1712	787	20	to	to	PART
cblr-1712	787	21	inform	inform	VERB
cblr-1712	787	22	the	the	DET
cblr-1712	787	23	debt	debt	NOUN
cblr-1712	787	24	collector	collector	NOUN
cblr-1712	787	25	quickly	quickly	ADV
cblr-1712	787	26	that	that	SCONJ
cblr-1712	787	27	the	the	DET
cblr-1712	787	28	debt	debt	NOUN
cblr-1712	787	29	has	have	AUX
cblr-1712	787	30	actually	actually	ADV
cblr-1712	787	31	been	be	AUX
cblr-1712	787	32	paid	pay	VERB
cblr-1712	787	33	.	.	PUNCT
cblr-1712	788	1	while	while	SCONJ
cblr-1712	788	2	these	these	PRON
cblr-1712	788	3	are	be	AUX
cblr-1712	788	4	possibilities	possibility	NOUN
cblr-1712	788	5	,	,	PUNCT
cblr-1712	788	6	the	the	DET
cblr-1712	788	7	existing	exist	VERB
cblr-1712	788	8	literature	literature	NOUN
cblr-1712	788	9	on	on	ADP
cblr-1712	788	10	disclosure	disclosure	NOUN
cblr-1712	788	11	indicates	indicate	VERB
cblr-1712	788	12	that	that	SCONJ
cblr-1712	788	13	they	they	PRON
cblr-1712	788	14	are	be	AUX
cblr-1712	788	15	very	very	ADV
cblr-1712	788	16	unlikely	unlikely	ADJ
cblr-1712	788	17	.	.	PUNCT
cblr-1712	789	1	there	there	PRON
cblr-1712	789	2	is	be	VERB
cblr-1712	789	3	little	little	ADJ
cblr-1712	789	4	evidence	evidence	NOUN
cblr-1712	789	5	that	that	SCONJ
cblr-1712	789	6	mandatory	mandatory	ADJ
cblr-1712	789	7	consumer	consumer	NOUN
cblr-1712	789	8	disclosures	disclosure	NOUN
cblr-1712	789	9	are	be	AUX
cblr-1712	789	10	152	152	NUM
cblr-1712	789	11	with	with	ADP
cblr-1712	789	12	the	the	DET
cblr-1712	789	13	overall	overall	ADJ
cblr-1712	789	14	probability	probability	NOUN
cblr-1712	789	15	of	of	ADP
cblr-1712	789	16	a	a	DET
cblr-1712	789	17	no	no	DET
cblr-1712	789	18	-	-	PUNCT
cblr-1712	789	19	injury	injury	NOUN
cblr-1712	789	20	case	case	NOUN
cblr-1712	789	21	in	in	ADP
cblr-1712	789	22	the	the	DET
cblr-1712	789	23	non	non	ADJ
cblr-1712	789	24	-	-	ADJ
cblr-1712	789	25	tcpa	tcpa	ADJ
cblr-1712	789	26	sample	sample	NOUN
cblr-1712	789	27	at	at	ADP
cblr-1712	789	28	.72	.72	NUM
cblr-1712	789	29	,	,	PUNCT
cblr-1712	789	30	and	and	CCONJ
cblr-1712	789	31	such	such	ADJ
cblr-1712	789	32	cases	case	NOUN
cblr-1712	789	33	occurring	occur	VERB
cblr-1712	789	34	in	in	ADP
cblr-1712	789	35	the	the	DET
cblr-1712	789	36	class	class	NOUN
cblr-1712	789	37	-	-	PUNCT
cblr-1712	789	38	action	action	NOUN
cblr-1712	789	39	settlement	settlement	NOUN
cblr-1712	789	40	subsample	subsample	NOUN
cblr-1712	789	41	of	of	ADP
cblr-1712	789	42	size	size	NOUN
cblr-1712	789	43	52	52	NUM
cblr-1712	789	44	with	with	ADP
cblr-1712	789	45	probability	probability	NOUN
cblr-1712	789	46	.8	.8	PROPN
cblr-1712	789	47	and	and	CCONJ
cblr-1712	789	48	in	in	ADP
cblr-1712	789	49	the	the	DET
cblr-1712	789	50	no	no	DET
cblr-1712	789	51	class	class	NOUN
cblr-1712	789	52	settlement	settlement	NOUN
cblr-1712	789	53	subsample	subsample	NOUN
cblr-1712	789	54	of	of	ADP
cblr-1712	789	55	size	size	NOUN
cblr-1712	789	56	164	164	NUM
cblr-1712	789	57	with	with	ADP
cblr-1712	789	58	probability	probability	NOUN
cblr-1712	789	59	.74	.74	NUM
cblr-1712	789	60	,	,	PUNCT
cblr-1712	789	61	the	the	DET
cblr-1712	789	62	z	z	NOUN
cblr-1712	789	63	statistic	statistic	NOUN
cblr-1712	789	64	equals	equal	VERB
cblr-1712	789	65	16	16	NUM
cblr-1712	789	66	,	,	PUNCT
cblr-1712	789	67	which	which	PRON
cblr-1712	789	68	is	be	AUX
cblr-1712	789	69	significant	significant	ADJ
cblr-1712	789	70	at	at	ADP
cblr-1712	789	71	the	the	DET
cblr-1712	789	72	.0001	.0001	PROPN
cblr-1712	789	73	level	level	NOUN
cblr-1712	789	74	.	.	PUNCT
cblr-1712	790	1	johnston	johnston	PROPN
cblr-1712	790	2	–	–	PUNCT
cblr-1712	790	3	final	final	ADJ
cblr-1712	790	4	68	68	NUM
cblr-1712	790	5	columbia	columbia	PROPN
cblr-1712	790	6	business	business	NOUN
cblr-1712	790	7	law	law	NOUN
cblr-1712	790	8	review	review	NOUN
cblr-1712	791	1	[	[	X
cblr-1712	791	2	vol	vol	NOUN
cblr-1712	791	3	.	.	PUNCT
cblr-1712	791	4	2017	2017	NUM
cblr-1712	791	5	effective	effective	ADJ
cblr-1712	791	6	in	in	ADP
cblr-1712	791	7	actually	actually	ADV
cblr-1712	791	8	informing	inform	VERB
cblr-1712	791	9	consumers.153	consumers.153	VERB
cblr-1712	791	10	in	in	ADP
cblr-1712	791	11	light	light	NOUN
cblr-1712	791	12	of	of	ADP
cblr-1712	791	13	this	this	DET
cblr-1712	791	14	evidence	evidence	NOUN
cblr-1712	791	15	,	,	PUNCT
cblr-1712	791	16	the	the	DET
cblr-1712	791	17	expected	expect	VERB
cblr-1712	791	18	harm	harm	NOUN
cblr-1712	791	19	to	to	ADP
cblr-1712	791	20	consumers	consumer	NOUN
cblr-1712	791	21	from	from	ADP
cblr-1712	791	22	violation	violation	NOUN
cblr-1712	791	23	of	of	ADP
cblr-1712	791	24	disclosure	disclosure	NOUN
cblr-1712	791	25	and	and	CCONJ
cblr-1712	791	26	other	other	ADJ
cblr-1712	791	27	formalities	formality	NOUN
cblr-1712	791	28	is	be	AUX
cblr-1712	791	29	likely	likely	ADV
cblr-1712	791	30	low	low	ADJ
cblr-1712	791	31	.	.	PUNCT
cblr-1712	792	1	on	on	ADP
cblr-1712	792	2	the	the	DET
cblr-1712	792	3	basic	basic	ADJ
cblr-1712	792	4	economic	economic	ADJ
cblr-1712	792	5	model	model	NOUN
cblr-1712	792	6	of	of	ADP
cblr-1712	792	7	optimal	optimal	ADJ
cblr-1712	792	8	compensation	compensation	NOUN
cblr-1712	792	9	,	,	PUNCT
cblr-1712	792	10	one	one	NUM
cblr-1712	792	11	is	be	AUX
cblr-1712	792	12	led	lead	VERB
cblr-1712	792	13	to	to	PART
cblr-1712	792	14	ask	ask	VERB
cblr-1712	792	15	whether	whether	SCONJ
cblr-1712	792	16	the	the	DET
cblr-1712	792	17	harm	harm	NOUN
cblr-1712	792	18	being	be	AUX
cblr-1712	792	19	compensated	compensate	VERB
cblr-1712	792	20	is	be	AUX
cblr-1712	792	21	one	one	NUM
cblr-1712	792	22	that	that	PRON
cblr-1712	792	23	the	the	DET
cblr-1712	792	24	consumer	consumer	NOUN
cblr-1712	792	25	would	would	AUX
cblr-1712	792	26	insure	insure	VERB
cblr-1712	792	27	against	against	ADP
cblr-1712	792	28	if	if	SCONJ
cblr-1712	792	29	offered	offer	VERB
cblr-1712	792	30	such	such	ADJ
cblr-1712	792	31	insurance	insurance	NOUN
cblr-1712	792	32	at	at	ADP
cblr-1712	792	33	a	a	DET
cblr-1712	792	34	price	price	NOUN
cblr-1712	792	35	equal	equal	ADJ
cblr-1712	792	36	to	to	ADP
cblr-1712	792	37	the	the	DET
cblr-1712	792	38	insurer	insurer	NOUN
cblr-1712	792	39	’s	’s	PART
cblr-1712	792	40	expected	expect	VERB
cblr-1712	792	41	payout	payout	NOUN
cblr-1712	792	42	plus	plus	CCONJ
cblr-1712	792	43	a	a	DET
cblr-1712	792	44	competitive	competitive	ADJ
cblr-1712	792	45	profit	profit	NOUN
cblr-1712	792	46	(	(	PUNCT
cblr-1712	792	47	an	an	DET
cblr-1712	792	48	actuarially	actuarially	ADV
cblr-1712	792	49	fair	fair	ADJ
cblr-1712	792	50	rate).154	rate).154	NOUN
cblr-1712	792	51	because	because	SCONJ
cblr-1712	792	52	the	the	DET
cblr-1712	792	53	cost	cost	NOUN
cblr-1712	792	54	of	of	ADP
cblr-1712	792	55	delivering	deliver	VERB
cblr-1712	792	56	compensation	compensation	NOUN
cblr-1712	792	57	through	through	ADP
cblr-1712	792	58	class	class	NOUN
cblr-1712	792	59	-	-	PUNCT
cblr-1712	792	60	action	action	NOUN
cblr-1712	792	61	settlements	settlement	NOUN
cblr-1712	792	62	is	be	AUX
cblr-1712	792	63	so	so	ADV
cblr-1712	792	64	high	high	ADJ
cblr-1712	792	65	,	,	PUNCT
cblr-1712	792	66	a	a	DET
cblr-1712	792	67	consumer	consumer	NOUN
cblr-1712	792	68	would	would	AUX
cblr-1712	792	69	pay	pay	VERB
cblr-1712	792	70	a	a	DET
cblr-1712	792	71	relatively	relatively	ADV
cblr-1712	792	72	high	high	ADJ
cblr-1712	792	73	price	price	NOUN
cblr-1712	792	74	for	for	ADP
cblr-1712	792	75	such	such	ADJ
cblr-1712	792	76	compensation	compensation	NOUN
cblr-1712	792	77	.	.	PUNCT
cblr-1712	793	1	with	with	ADP
cblr-1712	793	2	such	such	ADJ
cblr-1712	793	3	high	high	ADJ
cblr-1712	793	4	costs	cost	NOUN
cblr-1712	793	5	,	,	PUNCT
cblr-1712	793	6	relative	relative	ADJ
cblr-1712	793	7	to	to	ADP
cblr-1712	793	8	very	very	ADV
cblr-1712	793	9	small	small	ADJ
cblr-1712	793	10	coverage	coverage	NOUN
cblr-1712	793	11	amounts	amount	NOUN
cblr-1712	793	12	,	,	PUNCT
cblr-1712	793	13	even	even	ADV
cblr-1712	793	14	a	a	DET
cblr-1712	793	15	very	very	ADV
cblr-1712	793	16	risk	risk	NOUN
cblr-1712	793	17	averse	averse	ADJ
cblr-1712	793	18	consumer	consumer	NOUN
cblr-1712	793	19	would	would	AUX
cblr-1712	793	20	turn	turn	VERB
cblr-1712	793	21	down	down	ADP
cblr-1712	793	22	such	such	ADJ
cblr-1712	793	23	insurance	insurance	NOUN
cblr-1712	793	24	.	.	PUNCT
cblr-1712	794	1	given	give	VERB
cblr-1712	794	2	the	the	DET
cblr-1712	794	3	questionable	questionable	ADJ
cblr-1712	794	4	utility	utility	NOUN
cblr-1712	794	5	of	of	ADP
cblr-1712	794	6	compensating	compensate	VERB
cblr-1712	794	7	consumers	consumer	NOUN
cblr-1712	794	8	for	for	ADP
cblr-1712	794	9	such	such	ADJ
cblr-1712	794	10	harms	harm	NOUN
cblr-1712	794	11	,	,	PUNCT
cblr-1712	794	12	the	the	DET
cblr-1712	794	13	private	private	ADJ
cblr-1712	794	14	enforcement	enforcement	NOUN
cblr-1712	794	15	incentives	incentive	NOUN
cblr-1712	794	16	created	create	VERB
cblr-1712	794	17	by	by	ADP
cblr-1712	794	18	no	no	DET
cblr-1712	794	19	-	-	PUNCT
cblr-1712	794	20	harm	harm	NOUN
cblr-1712	794	21	class	class	NOUN
cblr-1712	794	22	actions	action	NOUN
cblr-1712	794	23	become	become	VERB
cblr-1712	794	24	especially	especially	ADV
cblr-1712	794	25	troublesome	troublesome	ADJ
cblr-1712	794	26	.	.	PUNCT
cblr-1712	795	1	simply	simply	ADV
cblr-1712	795	2	by	by	ADP
cblr-1712	795	3	allowing	allow	VERB
cblr-1712	795	4	the	the	DET
cblr-1712	795	5	consolidation	consolidation	NOUN
cblr-1712	795	6	and	and	CCONJ
cblr-1712	795	7	joint	joint	ADJ
cblr-1712	795	8	pursuit	pursuit	NOUN
cblr-1712	795	9	of	of	ADP
cblr-1712	795	10	thousands	thousand	NOUN
cblr-1712	795	11	or	or	CCONJ
cblr-1712	795	12	millions	million	NOUN
cblr-1712	795	13	of	of	ADP
cblr-1712	795	14	small	small	ADJ
cblr-1712	795	15	claims	claim	NOUN
cblr-1712	795	16	,	,	PUNCT
cblr-1712	795	17	class	class	NOUN
cblr-1712	795	18	actions	action	NOUN
cblr-1712	795	19	incentivize	incentivize	VERB
cblr-1712	795	20	private	private	ADJ
cblr-1712	795	21	enforcement	enforcement	NOUN
cblr-1712	795	22	of	of	ADP
cblr-1712	795	23	violations	violation	NOUN
cblr-1712	795	24	generating	generate	VERB
cblr-1712	795	25	such	such	ADJ
cblr-1712	795	26	claims	claim	NOUN
cblr-1712	795	27	.	.	PUNCT
cblr-1712	796	1	the	the	DET
cblr-1712	796	2	data	datum	NOUN
cblr-1712	796	3	show	show	VERB
cblr-1712	796	4	that	that	SCONJ
cblr-1712	796	5	statutes	statute	NOUN
cblr-1712	796	6	with	with	ADP
cblr-1712	796	7	statutory	statutory	ADJ
cblr-1712	796	8	damages	damage	NOUN
cblr-1712	796	9	up	up	ADP
cblr-1712	796	10	to	to	ADP
cblr-1712	796	11	(	(	PUNCT
cblr-1712	796	12	in	in	ADP
cblr-1712	796	13	the	the	DET
cblr-1712	796	14	case	case	NOUN
cblr-1712	796	15	of	of	ADP
cblr-1712	796	16	the	the	DET
cblr-1712	796	17	tcpa	tcpa	NOUN
cblr-1712	796	18	)	)	PUNCT
cblr-1712	796	19	$	$	SYM
cblr-1712	796	20	1500	1500	NUM
cblr-1712	796	21	per	per	ADP
cblr-1712	796	22	violation	violation	NOUN
cblr-1712	796	23	without	without	ADP
cblr-1712	796	24	even	even	ADV
cblr-1712	796	25	an	an	DET
cblr-1712	796	26	allegation	allegation	NOUN
cblr-1712	796	27	of	of	ADP
cblr-1712	796	28	harm	harm	NOUN
cblr-1712	796	29	to	to	ADP
cblr-1712	796	30	class	class	NOUN
cblr-1712	796	31	members	member	NOUN
cblr-1712	796	32	creates	create	VERB
cblr-1712	796	33	an	an	DET
cblr-1712	796	34	extraordinarily	extraordinarily	ADV
cblr-1712	796	35	powerful	powerful	ADJ
cblr-1712	796	36	incentive	incentive	NOUN
cblr-1712	796	37	for	for	ADP
cblr-1712	796	38	class	class	NOUN
cblr-1712	796	39	counsel	counsel	NOUN
cblr-1712	796	40	to	to	PART
cblr-1712	796	41	pursue	pursue	VERB
cblr-1712	796	42	such	such	ADJ
cblr-1712	796	43	cases	case	NOUN
cblr-1712	796	44	.	.	PUNCT
cblr-1712	797	1	moreover	moreover	ADV
cblr-1712	797	2	,	,	PUNCT
cblr-1712	797	3	as	as	SCONJ
cblr-1712	797	4	the	the	DET
cblr-1712	797	5	data	datum	NOUN
cblr-1712	797	6	confirms	confirm	VERB
cblr-1712	797	7	,	,	PUNCT
cblr-1712	797	8	the	the	DET
cblr-1712	797	9	extra	extra	ADJ
cblr-1712	797	10	incentive	incentive	NOUN
cblr-1712	797	11	generated	generate	VERB
cblr-1712	797	12	by	by	ADP
cblr-1712	797	13	statutory	statutory	ADJ
cblr-1712	797	14	damages	damage	NOUN
cblr-1712	797	15	likely	likely	ADV
cblr-1712	797	16	has	have	VERB
cblr-1712	797	17	its	its	PRON
cblr-1712	797	18	biggest	big	ADJ
cblr-1712	797	19	marginal	marginal	ADJ
cblr-1712	797	20	impact	impact	NOUN
cblr-1712	797	21	in	in	ADP
cblr-1712	797	22	cases	case	NOUN
cblr-1712	797	23	where	where	SCONJ
cblr-1712	797	24	the	the	DET
cblr-1712	797	25	class	class	NOUN
cblr-1712	797	26	of	of	ADP
cblr-1712	797	27	consumers	consumer	NOUN
cblr-1712	797	28	is	be	AUX
cblr-1712	797	29	relatively	relatively	ADV
cblr-1712	797	30	small	small	ADJ
cblr-1712	797	31	.	.	PUNCT
cblr-1712	798	1	to	to	PART
cblr-1712	798	2	see	see	VERB
cblr-1712	798	3	this	this	PRON
cblr-1712	798	4	,	,	PUNCT
cblr-1712	798	5	consider	consider	VERB
cblr-1712	798	6	first	first	ADV
cblr-1712	798	7	a	a	DET
cblr-1712	798	8	tcpa	tcpa	NOUN
cblr-1712	798	9	class	class	NOUN
cblr-1712	798	10	action	action	NOUN
cblr-1712	798	11	with	with	ADP
cblr-1712	798	12	one	one	NUM
cblr-1712	798	13	million	million	NUM
cblr-1712	798	14	class	class	NOUN
cblr-1712	798	15	members	member	NOUN
cblr-1712	798	16	,	,	PUNCT
cblr-1712	798	17	each	each	PRON
cblr-1712	798	18	of	of	ADP
cblr-1712	798	19	whom	whom	PRON
cblr-1712	798	20	suffers	suffer	VERB
cblr-1712	798	21	on	on	ADP
cblr-1712	798	22	average	average	ADJ
cblr-1712	798	23	$	$	SYM
cblr-1712	798	24	10	10	NUM
cblr-1712	798	25	of	of	ADP
cblr-1712	798	26	annoyance	annoyance	NOUN
cblr-1712	798	27	when	when	SCONJ
cblr-1712	798	28	bothered	bother	VERB
cblr-1712	798	29	by	by	ADP
cblr-1712	798	30	an	an	DET
cblr-1712	798	31	autodialed	autodiale	VERB
cblr-1712	798	32	call	call	NOUN
cblr-1712	798	33	to	to	ADP
cblr-1712	798	34	her	her	PRON
cblr-1712	798	35	cellphone	cellphone	NOUN
cblr-1712	798	36	.	.	PUNCT
cblr-1712	799	1	if	if	SCONJ
cblr-1712	799	2	recovery	recovery	NOUN
cblr-1712	799	3	is	be	AUX
cblr-1712	799	4	limited	limit	VERB
cblr-1712	799	5	to	to	ADP
cblr-1712	799	6	actual	actual	ADJ
cblr-1712	799	7	damages	damage	NOUN
cblr-1712	799	8	suffered	suffer	VERB
cblr-1712	799	9	,	,	PUNCT
cblr-1712	799	10	such	such	DET
cblr-1712	799	11	a	a	DET
cblr-1712	799	12	suit	suit	NOUN
cblr-1712	799	13	offers	offer	VERB
cblr-1712	799	14	$	$	SYM
cblr-1712	799	15	10,000,000	10,000,000	NUM
cblr-1712	799	16	of	of	ADP
cblr-1712	799	17	actual	actual	ADJ
cblr-1712	799	18	damage	damage	NOUN
cblr-1712	799	19	recovery	recovery	NOUN
cblr-1712	799	20	.	.	PUNCT
cblr-1712	800	1	a	a	DET
cblr-1712	800	2	153	153	NUM
cblr-1712	800	3	see	see	NOUN
cblr-1712	800	4	omri	omri	PROPN
cblr-1712	800	5	ben	ben	PROPN
cblr-1712	800	6	-	-	PROPN
cblr-1712	800	7	shahar	shahar	PROPN
cblr-1712	800	8	&	&	CCONJ
cblr-1712	800	9	carl	carl	PROPN
cblr-1712	800	10	e.	e.	PROPN
cblr-1712	800	11	schneider	schneider	PROPN
cblr-1712	800	12	,	,	PUNCT
cblr-1712	800	13	more	more	ADJ
cblr-1712	800	14	than	than	SCONJ
cblr-1712	800	15	you	you	PRON
cblr-1712	800	16	wanted	want	VERB
cblr-1712	800	17	to	to	PART
cblr-1712	800	18	know	know	VERB
cblr-1712	800	19	:	:	PUNCT
cblr-1712	800	20	the	the	DET
cblr-1712	800	21	failure	failure	NOUN
cblr-1712	800	22	of	of	ADP
cblr-1712	800	23	mandated	mandate	VERB
cblr-1712	800	24	disclosure	disclosure	NOUN
cblr-1712	800	25	33–118	33–118	PROPN
cblr-1712	800	26	(	(	PUNCT
cblr-1712	800	27	2014	2014	NUM
cblr-1712	800	28	)	)	PUNCT
cblr-1712	800	29	(	(	PUNCT
cblr-1712	800	30	giving	give	VERB
cblr-1712	800	31	a	a	DET
cblr-1712	800	32	survey	survey	NOUN
cblr-1712	800	33	of	of	ADP
cblr-1712	800	34	the	the	DET
cblr-1712	800	35	empirical	empirical	ADJ
cblr-1712	800	36	literature	literature	NOUN
cblr-1712	800	37	indicating	indicate	VERB
cblr-1712	800	38	the	the	DET
cblr-1712	800	39	ineffectiveness	ineffectiveness	NOUN
cblr-1712	800	40	of	of	ADP
cblr-1712	800	41	consumer	consumer	NOUN
cblr-1712	800	42	disclosure	disclosure	NOUN
cblr-1712	800	43	)	)	PUNCT
cblr-1712	800	44	.	.	PUNCT
cblr-1712	801	1	154	154	NUM
cblr-1712	801	2	see	see	VERB
cblr-1712	801	3	steven	steven	PROPN
cblr-1712	801	4	shavell	shavell	PROPN
cblr-1712	801	5	,	,	PUNCT
cblr-1712	801	6	economic	economic	ADJ
cblr-1712	801	7	analysis	analysis	NOUN
cblr-1712	801	8	of	of	ADP
cblr-1712	801	9	accident	accident	NOUN
cblr-1712	801	10	law	law	NOUN
cblr-1712	801	11	ch	ch	NOUN
cblr-1712	801	12	.	.	PROPN
cblr-1712	801	13	5	5	NUM
cblr-1712	801	14	,	,	PUNCT
cblr-1712	801	15	at	at	ADP
cblr-1712	801	16	4	4	NUM
cblr-1712	801	17	(	(	PUNCT
cblr-1712	801	18	nat’l	nat’l	NUM
cblr-1712	801	19	bureau	bureau	PROPN
cblr-1712	801	20	of	of	ADP
cblr-1712	801	21	econ	econ	PROPN
cblr-1712	801	22	.	.	PUNCT
cblr-1712	802	1	research	research	PROPN
cblr-1712	802	2	,	,	PUNCT
cblr-1712	802	3	working	work	VERB
cblr-1712	802	4	paper	paper	NOUN
cblr-1712	802	5	no	no	NOUN
cblr-1712	802	6	.	.	PROPN
cblr-1712	802	7	9694	9694	NUM
cblr-1712	802	8	,	,	PUNCT
cblr-1712	802	9	2003	2003	NUM
cblr-1712	802	10	)	)	PUNCT
cblr-1712	802	11	.	.	PUNCT
cblr-1712	803	1	johnston	johnston	PROPN
cblr-1712	803	2	–	–	PUNCT
cblr-1712	803	3	final	final	ADJ
cblr-1712	803	4	no	no	NOUN
cblr-1712	803	5	.	.	NOUN
cblr-1712	803	6	1:1	1:1	NUM
cblr-1712	803	7	]	]	X
cblr-1712	803	8	high	high	ADJ
cblr-1712	803	9	cost	cost	NOUN
cblr-1712	803	10	,	,	PUNCT
cblr-1712	803	11	little	little	ADJ
cblr-1712	803	12	compensation	compensation	NOUN
cblr-1712	803	13	69	69	NUM
cblr-1712	803	14	class	class	NOUN
cblr-1712	803	15	action	action	NOUN
cblr-1712	803	16	with	with	ADP
cblr-1712	803	17	such	such	DET
cblr-1712	803	18	an	an	DET
cblr-1712	803	19	easy	easy	ADJ
cblr-1712	803	20	-	-	PUNCT
cblr-1712	803	21	to	to	ADP
cblr-1712	803	22	-	-	PUNCT
cblr-1712	803	23	prove	prove	VERB
cblr-1712	803	24	violation	violation	NOUN
cblr-1712	803	25	of	of	ADP
cblr-1712	803	26	the	the	DET
cblr-1712	803	27	law	law	NOUN
cblr-1712	803	28	would	would	AUX
cblr-1712	803	29	likely	likely	ADV
cblr-1712	803	30	be	be	AUX
cblr-1712	803	31	attractive	attractive	ADJ
cblr-1712	803	32	to	to	ADP
cblr-1712	803	33	plaintiffs	plaintiff	NOUN
cblr-1712	803	34	’	'	PUNCT
cblr-1712	803	35	attorneys	attorney	NOUN
cblr-1712	803	36	even	even	ADV
cblr-1712	803	37	without	without	ADP
cblr-1712	803	38	statutory	statutory	ADJ
cblr-1712	803	39	damages	damage	NOUN
cblr-1712	803	40	that	that	PRON
cblr-1712	803	41	boost	boost	VERB
cblr-1712	803	42	the	the	DET
cblr-1712	803	43	potential	potential	ADJ
cblr-1712	803	44	recovery	recovery	NOUN
cblr-1712	803	45	to	to	ADP
cblr-1712	803	46	$	$	SYM
cblr-1712	803	47	1.5	1.5	NUM
cblr-1712	803	48	billion	billion	NUM
cblr-1712	803	49	.	.	PUNCT
cblr-1712	804	1	by	by	ADP
cblr-1712	804	2	contrast	contrast	NOUN
cblr-1712	804	3	,	,	PUNCT
cblr-1712	804	4	consider	consider	VERB
cblr-1712	804	5	next	next	ADP
cblr-1712	804	6	an	an	DET
cblr-1712	804	7	fdcpa	fdcpa	NOUN
cblr-1712	804	8	case	case	NOUN
cblr-1712	804	9	with	with	ADP
cblr-1712	804	10	only	only	ADV
cblr-1712	804	11	1000	1000	NUM
cblr-1712	804	12	class	class	NOUN
cblr-1712	804	13	members	member	NOUN
cblr-1712	804	14	suing	sue	VERB
cblr-1712	804	15	for	for	ADP
cblr-1712	804	16	violation	violation	NOUN
cblr-1712	804	17	of	of	ADP
cblr-1712	804	18	statutory	statutory	ADJ
cblr-1712	804	19	formalities	formality	NOUN
cblr-1712	804	20	that	that	PRON
cblr-1712	804	21	harmed	harm	VERB
cblr-1712	804	22	each	each	PRON
cblr-1712	804	23	in	in	ADP
cblr-1712	804	24	the	the	DET
cblr-1712	804	25	amount	amount	NOUN
cblr-1712	804	26	of	of	ADP
cblr-1712	804	27	$	$	SYM
cblr-1712	804	28	10	10	NUM
cblr-1712	804	29	.	.	PUNCT
cblr-1712	805	1	if	if	SCONJ
cblr-1712	805	2	recovery	recovery	NOUN
cblr-1712	805	3	is	be	AUX
cblr-1712	805	4	limited	limit	VERB
cblr-1712	805	5	to	to	ADP
cblr-1712	805	6	actual	actual	ADJ
cblr-1712	805	7	damages	damage	NOUN
cblr-1712	805	8	,	,	PUNCT
cblr-1712	805	9	such	such	DET
cblr-1712	805	10	a	a	DET
cblr-1712	805	11	class	class	NOUN
cblr-1712	805	12	action	action	NOUN
cblr-1712	805	13	would	would	AUX
cblr-1712	805	14	hold	hold	VERB
cblr-1712	805	15	out	out	ADP
cblr-1712	805	16	the	the	DET
cblr-1712	805	17	prospect	prospect	NOUN
cblr-1712	805	18	of	of	ADP
cblr-1712	805	19	only	only	ADV
cblr-1712	805	20	$	$	SYM
cblr-1712	805	21	10,000	10,000	NUM
cblr-1712	805	22	in	in	ADP
cblr-1712	805	23	aggregate	aggregate	ADJ
cblr-1712	805	24	damages	damage	NOUN
cblr-1712	805	25	.	.	PUNCT
cblr-1712	806	1	such	such	DET
cblr-1712	806	2	a	a	DET
cblr-1712	806	3	case	case	NOUN
cblr-1712	806	4	might	might	AUX
cblr-1712	806	5	interest	interest	VERB
cblr-1712	806	6	relatively	relatively	ADV
cblr-1712	806	7	few	few	ADJ
cblr-1712	806	8	plaintiffs	plaintiff	NOUN
cblr-1712	806	9	’	'	PUNCT
cblr-1712	806	10	attorneys	attorney	NOUN
cblr-1712	806	11	.	.	PUNCT
cblr-1712	807	1	however	however	ADV
cblr-1712	807	2	,	,	PUNCT
cblr-1712	807	3	the	the	DET
cblr-1712	807	4	same	same	ADJ
cblr-1712	807	5	suit	suit	NOUN
cblr-1712	807	6	offering	offer	VERB
cblr-1712	807	7	statutory	statutory	ADJ
cblr-1712	807	8	damages	damage	NOUN
cblr-1712	807	9	of	of	ADP
cblr-1712	807	10	$	$	SYM
cblr-1712	807	11	1000	1000	NUM
cblr-1712	807	12	per	per	ADP
cblr-1712	807	13	class	class	NOUN
cblr-1712	807	14	member	member	NOUN
cblr-1712	807	15	would	would	AUX
cblr-1712	807	16	have	have	VERB
cblr-1712	807	17	a	a	DET
cblr-1712	807	18	potential	potential	ADJ
cblr-1712	807	19	aggregate	aggregate	ADJ
cblr-1712	807	20	recovery	recovery	NOUN
cblr-1712	807	21	of	of	ADP
cblr-1712	807	22	$	$	SYM
cblr-1712	807	23	1,000,000	1,000,000	NUM
cblr-1712	807	24	.	.	PUNCT
cblr-1712	808	1	with	with	ADP
cblr-1712	808	2	such	such	ADJ
cblr-1712	808	3	potential	potential	ADJ
cblr-1712	808	4	liability	liability	NOUN
cblr-1712	808	5	,	,	PUNCT
cblr-1712	808	6	the	the	DET
cblr-1712	808	7	class	class	NOUN
cblr-1712	808	8	action	action	NOUN
cblr-1712	808	9	would	would	AUX
cblr-1712	808	10	seemingly	seemingly	ADV
cblr-1712	808	11	be	be	AUX
cblr-1712	808	12	much	much	ADV
cblr-1712	808	13	more	more	ADV
cblr-1712	808	14	attractive	attractive	ADJ
cblr-1712	808	15	to	to	ADP
cblr-1712	808	16	class	class	NOUN
cblr-1712	808	17	counsel	counsel	NOUN
cblr-1712	808	18	.	.	PUNCT
cblr-1712	809	1	it	it	PRON
cblr-1712	809	2	may	may	AUX
cblr-1712	809	3	well	well	ADV
cblr-1712	809	4	be	be	AUX
cblr-1712	809	5	that	that	SCONJ
cblr-1712	809	6	congress	congress	PROPN
cblr-1712	809	7	fully	fully	ADV
cblr-1712	809	8	intended	intend	VERB
cblr-1712	809	9	to	to	PART
cblr-1712	809	10	use	use	VERB
cblr-1712	809	11	statutory	statutory	ADJ
cblr-1712	809	12	damages	damage	NOUN
cblr-1712	809	13	with	with	ADP
cblr-1712	809	14	no	no	DET
cblr-1712	809	15	allegation	allegation	NOUN
cblr-1712	809	16	of	of	ADP
cblr-1712	809	17	harm	harm	NOUN
cblr-1712	809	18	to	to	PART
cblr-1712	809	19	work	work	VERB
cblr-1712	809	20	such	such	DET
cblr-1712	809	21	a	a	DET
cblr-1712	809	22	massive	massive	ADJ
cblr-1712	809	23	boost	boost	NOUN
cblr-1712	809	24	of	of	ADP
cblr-1712	809	25	the	the	DET
cblr-1712	809	26	private	private	ADJ
cblr-1712	809	27	enforcement	enforcement	NOUN
cblr-1712	809	28	incentives	incentive	NOUN
cblr-1712	809	29	of	of	ADP
cblr-1712	809	30	class	class	NOUN
cblr-1712	809	31	counsel	counsel	NOUN
cblr-1712	809	32	.	.	PUNCT
cblr-1712	810	1	however	however	ADV
cblr-1712	810	2	,	,	PUNCT
cblr-1712	810	3	a	a	DET
cblr-1712	810	4	necessary	necessary	ADJ
cblr-1712	810	5	consequence	consequence	NOUN
cblr-1712	810	6	of	of	ADP
cblr-1712	810	7	such	such	ADJ
cblr-1712	810	8	no	no	DET
cblr-1712	810	9	-	-	PUNCT
cblr-1712	810	10	harm	harm	NOUN
cblr-1712	810	11	statutory	statutory	ADJ
cblr-1712	810	12	damage	damage	NOUN
cblr-1712	810	13	claims	claim	NOUN
cblr-1712	810	14	is	be	AUX
cblr-1712	810	15	to	to	PART
cblr-1712	810	16	divert	divert	VERB
cblr-1712	810	17	the	the	DET
cblr-1712	810	18	efforts	effort	NOUN
cblr-1712	810	19	of	of	ADP
cblr-1712	810	20	class	class	NOUN
cblr-1712	810	21	counsel	counsel	NOUN
cblr-1712	810	22	away	away	ADV
cblr-1712	810	23	from	from	ADP
cblr-1712	810	24	other	other	ADJ
cblr-1712	810	25	case	case	NOUN
cblr-1712	810	26	types	type	NOUN
cblr-1712	810	27	where	where	SCONJ
cblr-1712	810	28	the	the	DET
cblr-1712	810	29	harm	harm	NOUN
cblr-1712	810	30	to	to	ADP
cblr-1712	810	31	consumers	consumer	NOUN
cblr-1712	810	32	may	may	AUX
cblr-1712	810	33	be	be	AUX
cblr-1712	810	34	larger	large	ADJ
cblr-1712	810	35	but	but	CCONJ
cblr-1712	810	36	statutory	statutory	ADJ
cblr-1712	810	37	damages	damage	NOUN
cblr-1712	810	38	smaller	small	ADJ
cblr-1712	810	39	.	.	PUNCT
cblr-1712	811	1	statutory	statutory	ADJ
cblr-1712	811	2	damages	damage	NOUN
cblr-1712	811	3	are	be	AUX
cblr-1712	811	4	relatively	relatively	ADV
cblr-1712	811	5	uniform	uniform	ADJ
cblr-1712	811	6	across	across	ADP
cblr-1712	811	7	all	all	DET
cblr-1712	811	8	case	case	NOUN
cblr-1712	811	9	types	type	NOUN
cblr-1712	811	10	used	use	VERB
cblr-1712	811	11	this	this	PRON
cblr-1712	811	12	in	in	ADP
cblr-1712	811	13	article	article	NOUN
cblr-1712	811	14	;	;	PUNCT
cblr-1712	811	15	class	class	NOUN
cblr-1712	811	16	members	member	NOUN
cblr-1712	811	17	virtually	virtually	ADV
cblr-1712	811	18	always	always	ADV
cblr-1712	811	19	ask	ask	VERB
cblr-1712	811	20	for	for	ADP
cblr-1712	811	21	roughly	roughly	ADV
cblr-1712	811	22	$	$	SYM
cblr-1712	811	23	1000	1000	NUM
cblr-1712	811	24	per	per	ADP
cblr-1712	811	25	class	class	NOUN
cblr-1712	811	26	member	member	NOUN
cblr-1712	811	27	.	.	PUNCT
cblr-1712	812	1	when	when	SCONJ
cblr-1712	812	2	statutory	statutory	ADJ
cblr-1712	812	3	damages	damage	NOUN
cblr-1712	812	4	do	do	AUX
cblr-1712	812	5	not	not	PART
cblr-1712	812	6	vary	vary	VERB
cblr-1712	812	7	with	with	ADP
cblr-1712	812	8	the	the	DET
cblr-1712	812	9	harm	harm	NOUN
cblr-1712	812	10	suffered	suffer	VERB
cblr-1712	812	11	by	by	ADP
cblr-1712	812	12	consumers	consumer	NOUN
cblr-1712	812	13	,	,	PUNCT
cblr-1712	812	14	class	class	NOUN
cblr-1712	812	15	counsel	counsel	NOUN
cblr-1712	812	16	have	have	AUX
cblr-1712	812	17	no	no	DET
cblr-1712	812	18	incentive	incentive	NOUN
cblr-1712	812	19	to	to	PART
cblr-1712	812	20	choose	choose	VERB
cblr-1712	812	21	to	to	PART
cblr-1712	812	22	pursue	pursue	VERB
cblr-1712	812	23	cases	case	NOUN
cblr-1712	812	24	where	where	SCONJ
cblr-1712	812	25	the	the	DET
cblr-1712	812	26	harm	harm	NOUN
cblr-1712	812	27	to	to	PART
cblr-1712	812	28	deter	deter	VERB
cblr-1712	812	29	is	be	AUX
cblr-1712	812	30	the	the	DET
cblr-1712	812	31	greatest	great	ADJ
cblr-1712	812	32	.	.	PUNCT
cblr-1712	813	1	instead	instead	ADV
cblr-1712	813	2	,	,	PUNCT
cblr-1712	813	3	their	their	PRON
cblr-1712	813	4	incentive	incentive	NOUN
cblr-1712	813	5	is	be	AUX
cblr-1712	813	6	to	to	PART
cblr-1712	813	7	pursue	pursue	VERB
cblr-1712	813	8	the	the	DET
cblr-1712	813	9	cases	case	NOUN
cblr-1712	813	10	that	that	PRON
cblr-1712	813	11	are	be	AUX
cblr-1712	813	12	easiest	easy	ADJ
cblr-1712	813	13	to	to	PART
cblr-1712	813	14	establish	establish	VERB
cblr-1712	813	15	,	,	PUNCT
cblr-1712	813	16	such	such	ADJ
cblr-1712	813	17	as	as	ADP
cblr-1712	813	18	those	those	PRON
cblr-1712	813	19	where	where	SCONJ
cblr-1712	813	20	a	a	DET
cblr-1712	813	21	credit	credit	NOUN
cblr-1712	813	22	card	card	NOUN
cblr-1712	813	23	receipt	receipt	NOUN
cblr-1712	813	24	contains	contain	VERB
cblr-1712	813	25	the	the	DET
cblr-1712	813	26	expiration	expiration	NOUN
cblr-1712	813	27	date	date	NOUN
cblr-1712	813	28	.	.	PUNCT
cblr-1712	814	1	one	one	PRON
cblr-1712	814	2	must	must	AUX
cblr-1712	814	3	wonder	wonder	VERB
cblr-1712	814	4	whether	whether	SCONJ
cblr-1712	814	5	congress	congress	PROPN
cblr-1712	814	6	intended	intend	VERB
cblr-1712	814	7	this	this	DET
cblr-1712	814	8	result	result	NOUN
cblr-1712	814	9	.	.	PUNCT
cblr-1712	815	1	b.	b.	PROPN
cblr-1712	815	2	attorneys	attorneys	PROPN
cblr-1712	815	3	’	'	PUNCT
cblr-1712	815	4	fees	fee	NOUN
cblr-1712	815	5	to	to	ADP
cblr-1712	815	6	class	class	NOUN
cblr-1712	815	7	counsel	counsel	NOUN
cblr-1712	815	8	that	that	PRON
cblr-1712	815	9	often	often	ADV
cblr-1712	815	10	exceed	exceed	VERB
cblr-1712	815	11	total	total	ADJ
cblr-1712	815	12	class	class	NOUN
cblr-1712	815	13	compensation	compensation	NOUN
cblr-1712	815	14	suggest	suggest	VERB
cblr-1712	815	15	that	that	SCONJ
cblr-1712	815	16	consumer	consumer	NOUN
cblr-1712	815	17	class	class	NOUN
cblr-1712	815	18	actions	action	NOUN
cblr-1712	815	19	are	be	AUX
cblr-1712	815	20	a	a	DET
cblr-1712	815	21	highly	highly	ADV
cblr-1712	815	22	inefficient	inefficient	ADJ
cblr-1712	815	23	method	method	NOUN
cblr-1712	815	24	of	of	ADP
cblr-1712	815	25	compensation	compensation	NOUN
cblr-1712	815	26	in	in	ADP
cblr-1712	815	27	class	class	NOUN
cblr-1712	815	28	settlements	settlement	NOUN
cblr-1712	815	29	under	under	ADP
cblr-1712	815	30	the	the	DET
cblr-1712	815	31	tcpa	tcpa	NOUN
cblr-1712	815	32	and	and	CCONJ
cblr-1712	815	33	fcra	fcra	NOUN
cblr-1712	815	34	expiration	expiration	NOUN
cblr-1712	815	35	date	date	NOUN
cblr-1712	815	36	cases	case	NOUN
cblr-1712	815	37	—	—	PUNCT
cblr-1712	815	38	the	the	DET
cblr-1712	815	39	largest	large	ADJ
cblr-1712	815	40	class	class	NOUN
cblr-1712	815	41	settlements	settlement	NOUN
cblr-1712	815	42	—	—	PUNCT
cblr-1712	815	43	attorneys	attorney	NOUN
cblr-1712	815	44	’	'	PUNCT
cblr-1712	815	45	fees	fee	NOUN
cblr-1712	815	46	equal	equal	ADJ
cblr-1712	815	47	or	or	CCONJ
cblr-1712	815	48	exceed	exceed	VERB
cblr-1712	815	49	,	,	PUNCT
cblr-1712	815	50	often	often	ADV
cblr-1712	815	51	by	by	ADP
cblr-1712	815	52	a	a	DET
cblr-1712	815	53	multiple	multiple	NOUN
cblr-1712	815	54	,	,	PUNCT
cblr-1712	815	55	the	the	DET
cblr-1712	815	56	johnston	johnston	PROPN
cblr-1712	815	57	–	–	PUNCT
cblr-1712	816	1	final	final	ADJ
cblr-1712	816	2	70	70	NUM
cblr-1712	816	3	columbia	columbia	PROPN
cblr-1712	816	4	business	business	NOUN
cblr-1712	816	5	law	law	PROPN
cblr-1712	816	6	review	review	NOUN
cblr-1712	816	7	[	[	X
cblr-1712	816	8	vol	vol	NOUN
cblr-1712	816	9	.	.	NOUN
cblr-1712	816	10	2017	2017	NUM
cblr-1712	816	11	aggregate	aggregate	ADJ
cblr-1712	816	12	class	class	NOUN
cblr-1712	816	13	compensation	compensation	NOUN
cblr-1712	816	14	.	.	PUNCT
cblr-1712	817	1	indeed	indeed	ADV
cblr-1712	817	2	,	,	PUNCT
cblr-1712	817	3	of	of	ADP
cblr-1712	817	4	all	all	DET
cblr-1712	817	5	tcpa	tcpa	NOUN
cblr-1712	817	6	and	and	CCONJ
cblr-1712	817	7	fcra	fcra	VERB
cblr-1712	817	8	class	class	NOUN
cblr-1712	817	9	settlements	settlement	NOUN
cblr-1712	817	10	,	,	PUNCT
cblr-1712	817	11	only	only	ADV
cblr-1712	817	12	for	for	ADP
cblr-1712	817	13	fcra	fcra	NOUN
cblr-1712	817	14	employment	employment	NOUN
cblr-1712	817	15	background	background	NOUN
cblr-1712	817	16	check	check	NOUN
cblr-1712	817	17	settlements	settlement	NOUN
cblr-1712	817	18	are	be	AUX
cblr-1712	817	19	attorneys	attorney	NOUN
cblr-1712	817	20	’	'	PUNCT
cblr-1712	817	21	fees	fee	NOUN
cblr-1712	817	22	significantly	significantly	ADV
cblr-1712	817	23	less	less	ADV
cblr-1712	817	24	(	(	PUNCT
cblr-1712	817	25	at	at	ADP
cblr-1712	817	26	57	57	NUM
cblr-1712	817	27	%	%	NOUN
cblr-1712	817	28	)	)	PUNCT
cblr-1712	817	29	than	than	ADP
cblr-1712	817	30	aggregate	aggregate	ADJ
cblr-1712	817	31	class	class	NOUN
cblr-1712	817	32	compensation	compensation	NOUN
cblr-1712	817	33	.	.	PUNCT
cblr-1712	818	1	for	for	ADP
cblr-1712	818	2	many	many	ADJ
cblr-1712	818	3	commonly	commonly	ADV
cblr-1712	818	4	occurring	occur	VERB
cblr-1712	818	5	class	class	NOUN
cblr-1712	818	6	-	-	PUNCT
cblr-1712	818	7	action	action	NOUN
cblr-1712	818	8	settlements	settlement	NOUN
cblr-1712	818	9	—	—	PUNCT
cblr-1712	818	10	such	such	ADJ
cblr-1712	818	11	as	as	ADP
cblr-1712	818	12	in	in	ADP
cblr-1712	818	13	fcra	fcra	NOUN
cblr-1712	818	14	expiration	expiration	NOUN
cblr-1712	818	15	date	date	NOUN
cblr-1712	818	16	cases	case	NOUN
cblr-1712	818	17	and	and	CCONJ
cblr-1712	818	18	tcpa	tcpa	NOUN
cblr-1712	818	19	cases	case	NOUN
cblr-1712	818	20	involving	involve	VERB
cblr-1712	818	21	marketing	marketing	NOUN
cblr-1712	818	22	faxes	fax	NOUN
cblr-1712	818	23	—	—	PUNCT
cblr-1712	818	24	attorneys	attorney	NOUN
cblr-1712	818	25	’	'	PUNCT
cblr-1712	818	26	fees	fee	NOUN
cblr-1712	818	27	range	range	VERB
cblr-1712	818	28	from	from	ADP
cblr-1712	818	29	four	four	NUM
cblr-1712	818	30	to	to	PART
cblr-1712	818	31	nine	nine	NUM
cblr-1712	818	32	times	time	NOUN
cblr-1712	818	33	class	class	NOUN
cblr-1712	818	34	compensation	compensation	NOUN
cblr-1712	818	35	.	.	PUNCT
cblr-1712	819	1	of	of	ADP
cblr-1712	819	2	course	course	NOUN
cblr-1712	819	3	,	,	PUNCT
cblr-1712	819	4	the	the	DET
cblr-1712	819	5	fees	fee	NOUN
cblr-1712	819	6	paid	pay	VERB
cblr-1712	819	7	to	to	ADP
cblr-1712	819	8	class	class	NOUN
cblr-1712	819	9	counsel	counsel	NOUN
cblr-1712	819	10	are	be	AUX
cblr-1712	819	11	only	only	ADV
cblr-1712	819	12	one	one	NUM
cblr-1712	819	13	part	part	NOUN
cblr-1712	819	14	of	of	ADP
cblr-1712	819	15	the	the	DET
cblr-1712	819	16	total	total	ADJ
cblr-1712	819	17	cost	cost	NOUN
cblr-1712	819	18	of	of	ADP
cblr-1712	819	19	achieving	achieve	VERB
cblr-1712	819	20	a	a	DET
cblr-1712	819	21	class	class	NOUN
cblr-1712	819	22	-	-	PUNCT
cblr-1712	819	23	action	action	NOUN
cblr-1712	819	24	settlement	settlement	NOUN
cblr-1712	819	25	.	.	PUNCT
cblr-1712	820	1	defense	defense	NOUN
cblr-1712	820	2	counsel	counsel	NOUN
cblr-1712	820	3	fees	fee	NOUN
cblr-1712	820	4	may	may	AUX
cblr-1712	820	5	be	be	AUX
cblr-1712	820	6	at	at	ADV
cblr-1712	820	7	least	least	ADJ
cblr-1712	820	8	as	as	ADV
cblr-1712	820	9	high	high	ADJ
cblr-1712	820	10	.	.	PUNCT
cblr-1712	821	1	additionally	additionally	ADV
cblr-1712	821	2	,	,	PUNCT
cblr-1712	821	3	there	there	PRON
cblr-1712	821	4	is	be	VERB
cblr-1712	821	5	an	an	DET
cblr-1712	821	6	opportunity	opportunity	NOUN
cblr-1712	821	7	cost	cost	NOUN
cblr-1712	821	8	to	to	ADP
cblr-1712	821	9	operating	operate	VERB
cblr-1712	821	10	the	the	DET
cblr-1712	821	11	court	court	NOUN
cblr-1712	821	12	system	system	NOUN
cblr-1712	821	13	to	to	PART
cblr-1712	821	14	pursue	pursue	VERB
cblr-1712	821	15	class	class	NOUN
cblr-1712	821	16	-	-	PUNCT
cblr-1712	821	17	action	action	NOUN
cblr-1712	821	18	settlements	settlement	NOUN
cblr-1712	821	19	rather	rather	ADV
cblr-1712	821	20	than	than	ADP
cblr-1712	821	21	adjudicating	adjudicate	VERB
cblr-1712	821	22	other	other	ADJ
cblr-1712	821	23	types	type	NOUN
cblr-1712	821	24	of	of	ADP
cblr-1712	821	25	cases	case	NOUN
cblr-1712	821	26	.	.	PUNCT
cblr-1712	822	1	based	base	VERB
cblr-1712	822	2	on	on	ADP
cblr-1712	822	3	the	the	DET
cblr-1712	822	4	illinois	illinois	PROPN
cblr-1712	822	5	data	data	PROPN
cblr-1712	822	6	,	,	PUNCT
cblr-1712	822	7	the	the	DET
cblr-1712	822	8	total	total	ADJ
cblr-1712	822	9	cost	cost	NOUN
cblr-1712	822	10	of	of	ADP
cblr-1712	822	11	achieving	achieve	VERB
cblr-1712	822	12	class	class	NOUN
cblr-1712	822	13	-	-	PUNCT
cblr-1712	822	14	action	action	NOUN
cblr-1712	822	15	settlements	settlement	NOUN
cblr-1712	822	16	is	be	AUX
cblr-1712	822	17	typically	typically	ADV
cblr-1712	822	18	equal	equal	ADJ
cblr-1712	822	19	to	to	ADP
cblr-1712	822	20	many	many	ADJ
cblr-1712	822	21	times	time	NOUN
cblr-1712	822	22	the	the	DET
cblr-1712	822	23	total	total	ADJ
cblr-1712	822	24	amount	amount	NOUN
cblr-1712	822	25	recovered	recover	VERB
cblr-1712	822	26	by	by	ADP
cblr-1712	822	27	the	the	DET
cblr-1712	822	28	class	class	NOUN
cblr-1712	822	29	.	.	PUNCT
cblr-1712	823	1	were	be	AUX
cblr-1712	823	2	these	these	DET
cblr-1712	823	3	individual	individual	ADJ
cblr-1712	823	4	lawsuits	lawsuit	NOUN
cblr-1712	823	5	instead	instead	ADV
cblr-1712	823	6	of	of	ADP
cblr-1712	823	7	a	a	DET
cblr-1712	823	8	class	class	NOUN
cblr-1712	823	9	action	action	NOUN
cblr-1712	823	10	,	,	PUNCT
cblr-1712	823	11	only	only	ADV
cblr-1712	823	12	a	a	DET
cblr-1712	823	13	person	person	NOUN
cblr-1712	823	14	motivated	motivate	VERB
cblr-1712	823	15	by	by	ADP
cblr-1712	823	16	spite	spite	NOUN
cblr-1712	823	17	and	and	CCONJ
cblr-1712	823	18	not	not	PART
cblr-1712	823	19	by	by	ADP
cblr-1712	823	20	purely	purely	ADV
cblr-1712	823	21	financial	financial	ADJ
cblr-1712	823	22	concerns	concern	NOUN
cblr-1712	823	23	would	would	AUX
cblr-1712	823	24	ever	ever	ADV
cblr-1712	823	25	pursue	pursue	VERB
cblr-1712	823	26	a	a	DET
cblr-1712	823	27	lawsuit	lawsuit	NOUN
cblr-1712	823	28	that	that	PRON
cblr-1712	823	29	costs	cost	VERB
cblr-1712	823	30	several	several	ADJ
cblr-1712	823	31	times	time	NOUN
cblr-1712	823	32	potential	potential	ADJ
cblr-1712	823	33	recovery	recovery	NOUN
cblr-1712	823	34	.	.	PUNCT
cblr-1712	824	1	nor	nor	CCONJ
cblr-1712	824	2	could	could	AUX
cblr-1712	824	3	the	the	DET
cblr-1712	824	4	plaintiffs	plaintiff	NOUN
cblr-1712	824	5	find	find	VERB
cblr-1712	824	6	value	value	NOUN
cblr-1712	824	7	in	in	ADP
cblr-1712	824	8	establishing	establish	VERB
cblr-1712	824	9	a	a	DET
cblr-1712	824	10	precedent	precedent	NOUN
cblr-1712	824	11	to	to	PART
cblr-1712	824	12	justify	justify	VERB
cblr-1712	824	13	incurring	incur	VERB
cblr-1712	824	14	such	such	ADJ
cblr-1712	824	15	high	high	ADJ
cblr-1712	824	16	fees	fee	NOUN
cblr-1712	824	17	,	,	PUNCT
cblr-1712	824	18	as	as	SCONJ
cblr-1712	824	19	class	class	NOUN
cblr-1712	824	20	-	-	PUNCT
cblr-1712	824	21	action	action	NOUN
cblr-1712	824	22	settlements	settlement	NOUN
cblr-1712	824	23	establish	establish	VERB
cblr-1712	824	24	no	no	DET
cblr-1712	824	25	legal	legal	ADJ
cblr-1712	824	26	precedent	precedent	NOUN
cblr-1712	824	27	.	.	PUNCT
cblr-1712	825	1	the	the	DET
cblr-1712	825	2	only	only	ADJ
cblr-1712	825	3	exception	exception	NOUN
cblr-1712	825	4	to	to	ADP
cblr-1712	825	5	the	the	DET
cblr-1712	825	6	pattern	pattern	NOUN
cblr-1712	825	7	of	of	ADP
cblr-1712	825	8	attorneys	attorney	NOUN
cblr-1712	825	9	’	'	PUNCT
cblr-1712	825	10	fees	fee	NOUN
cblr-1712	825	11	that	that	PRON
cblr-1712	825	12	may	may	AUX
cblr-1712	825	13	be	be	AUX
cblr-1712	825	14	several	several	ADJ
cblr-1712	825	15	times	time	NOUN
cblr-1712	825	16	as	as	ADV
cblr-1712	825	17	high	high	ADJ
cblr-1712	825	18	as	as	SCONJ
cblr-1712	825	19	the	the	DET
cblr-1712	825	20	class	class	NOUN
cblr-1712	825	21	recovery	recovery	NOUN
cblr-1712	825	22	is	be	AUX
cblr-1712	825	23	for	for	ADP
cblr-1712	825	24	settlements	settlement	NOUN
cblr-1712	825	25	under	under	ADP
cblr-1712	825	26	the	the	DET
cblr-1712	825	27	fdcpa	fdcpa	NOUN
cblr-1712	825	28	.	.	PUNCT
cblr-1712	826	1	however	however	ADV
cblr-1712	826	2	,	,	PUNCT
cblr-1712	826	3	as	as	SCONJ
cblr-1712	826	4	figure	figure	NOUN
cblr-1712	826	5	10	10	NUM
cblr-1712	826	6	shows	show	NOUN
cblr-1712	826	7	,	,	PUNCT
cblr-1712	826	8	attorneys	attorney	NOUN
cblr-1712	826	9	’	'	PUNCT
cblr-1712	826	10	fees	fee	NOUN
cblr-1712	826	11	in	in	ADP
cblr-1712	826	12	fdcpa	fdcpa	NOUN
cblr-1712	826	13	class	class	NOUN
cblr-1712	826	14	settlements	settlement	NOUN
cblr-1712	826	15	are	be	AUX
cblr-1712	826	16	always	always	ADV
cblr-1712	826	17	at	at	ADV
cblr-1712	826	18	least	least	ADJ
cblr-1712	826	19	two	two	NUM
cblr-1712	826	20	-	-	PUNCT
cblr-1712	826	21	thirds	third	NOUN
cblr-1712	826	22	of	of	ADP
cblr-1712	826	23	the	the	DET
cblr-1712	826	24	class	class	NOUN
cblr-1712	826	25	recovery	recovery	NOUN
cblr-1712	826	26	.	.	PUNCT
cblr-1712	827	1	for	for	ADP
cblr-1712	827	2	the	the	DET
cblr-1712	827	3	most	most	ADV
cblr-1712	827	4	commonly	commonly	ADV
cblr-1712	827	5	occurring	occur	VERB
cblr-1712	827	6	such	such	ADJ
cblr-1712	827	7	settlement	settlement	NOUN
cblr-1712	827	8	—	—	PUNCT
cblr-1712	827	9	involving	involve	VERB
cblr-1712	827	10	a	a	DET
cblr-1712	827	11	failure	failure	NOUN
cblr-1712	827	12	of	of	ADP
cblr-1712	827	13	fdcpa	fdcpa	NOUN
cblr-1712	827	14	formalities	formality	NOUN
cblr-1712	827	15	—	—	PUNCT
cblr-1712	827	16	attorneys	attorney	NOUN
cblr-1712	827	17	’	'	PUNCT
cblr-1712	827	18	fees	fee	NOUN
cblr-1712	827	19	are	be	AUX
cblr-1712	827	20	on	on	ADP
cblr-1712	827	21	average	average	ADJ
cblr-1712	827	22	equal	equal	ADJ
cblr-1712	827	23	to	to	ADP
cblr-1712	827	24	the	the	DET
cblr-1712	827	25	class	class	NOUN
cblr-1712	827	26	recovery	recovery	NOUN
cblr-1712	827	27	.	.	PUNCT
cblr-1712	828	1	even	even	ADV
cblr-1712	828	2	in	in	ADP
cblr-1712	828	3	fdcpa	fdcpa	NOUN
cblr-1712	828	4	cases	case	NOUN
cblr-1712	828	5	,	,	PUNCT
cblr-1712	828	6	viewed	view	VERB
cblr-1712	828	7	purely	purely	ADV
cblr-1712	828	8	as	as	ADP
cblr-1712	828	9	an	an	DET
cblr-1712	828	10	instrument	instrument	NOUN
cblr-1712	828	11	for	for	ADP
cblr-1712	828	12	mass	mass	NOUN
cblr-1712	828	13	compensation	compensation	NOUN
cblr-1712	828	14	,	,	PUNCT
cblr-1712	828	15	class	class	NOUN
cblr-1712	828	16	-	-	PUNCT
cblr-1712	828	17	action	action	NOUN
cblr-1712	828	18	settlements	settlement	NOUN
cblr-1712	828	19	are	be	AUX
cblr-1712	828	20	enormously	enormously	ADV
cblr-1712	828	21	inefficient	inefficient	ADJ
cblr-1712	828	22	.	.	PUNCT
cblr-1712	829	1	johnston	johnston	PROPN
cblr-1712	829	2	–	–	PUNCT
cblr-1712	829	3	final	final	ADJ
cblr-1712	829	4	no	no	NOUN
cblr-1712	829	5	.	.	NOUN
cblr-1712	829	6	1:1	1:1	NUM
cblr-1712	829	7	]	]	X
cblr-1712	829	8	high	high	ADJ
cblr-1712	829	9	cost	cost	NOUN
cblr-1712	829	10	,	,	PUNCT
cblr-1712	829	11	little	little	ADJ
cblr-1712	829	12	compensation	compensation	NOUN
cblr-1712	829	13	71	71	NUM
cblr-1712	829	14	c.	c.	NOUN
cblr-1712	829	15	data	datum	NOUN
cblr-1712	829	16	showing	show	VERB
cblr-1712	829	17	that	that	SCONJ
cblr-1712	829	18	only	only	ADV
cblr-1712	829	19	a	a	DET
cblr-1712	829	20	small	small	ADJ
cblr-1712	829	21	fraction	fraction	NOUN
cblr-1712	829	22	of	of	ADP
cblr-1712	829	23	the	the	DET
cblr-1712	829	24	class	class	NOUN
cblr-1712	829	25	receives	receive	VERB
cblr-1712	829	26	compensation	compensation	NOUN
cblr-1712	829	27	in	in	ADP
cblr-1712	829	28	the	the	DET
cblr-1712	829	29	largest	large	ADJ
cblr-1712	829	30	classaction	classaction	NOUN
cblr-1712	829	31	settlements	settlement	NOUN
cblr-1712	829	32	further	far	ADV
cblr-1712	829	33	show	show	VERB
cblr-1712	829	34	the	the	DET
cblr-1712	829	35	inefficiency	inefficiency	NOUN
cblr-1712	829	36	of	of	ADP
cblr-1712	829	37	the	the	DET
cblr-1712	829	38	consumer	consumer	NOUN
cblr-1712	829	39	class	class	NOUN
cblr-1712	829	40	action	action	NOUN
cblr-1712	829	41	as	as	ADP
cblr-1712	829	42	an	an	DET
cblr-1712	829	43	instrument	instrument	NOUN
cblr-1712	829	44	of	of	ADP
cblr-1712	829	45	compensation	compensation	NOUN
cblr-1712	829	46	this	this	DET
cblr-1712	829	47	inefficiency	inefficiency	NOUN
cblr-1712	829	48	would	would	AUX
cblr-1712	829	49	be	be	AUX
cblr-1712	829	50	true	true	ADJ
cblr-1712	829	51	even	even	ADV
cblr-1712	829	52	if	if	SCONJ
cblr-1712	829	53	class	class	NOUN
cblr-1712	829	54	-	-	PUNCT
cblr-1712	829	55	action	action	NOUN
cblr-1712	829	56	settlements	settlement	NOUN
cblr-1712	829	57	actually	actually	ADV
cblr-1712	829	58	compensated	compensate	VERB
cblr-1712	829	59	most	most	ADJ
cblr-1712	829	60	class	class	NOUN
cblr-1712	829	61	members	member	NOUN
cblr-1712	829	62	.	.	PUNCT
cblr-1712	830	1	but	but	CCONJ
cblr-1712	830	2	for	for	ADP
cblr-1712	830	3	only	only	ADV
cblr-1712	830	4	one	one	NUM
cblr-1712	830	5	type	type	NOUN
cblr-1712	830	6	of	of	ADP
cblr-1712	830	7	class	class	NOUN
cblr-1712	830	8	settlement	settlement	NOUN
cblr-1712	830	9	—	—	PUNCT
cblr-1712	830	10	an	an	DET
cblr-1712	830	11	fdcpa	fdcpa	NOUN
cblr-1712	830	12	settlement	settlement	NOUN
cblr-1712	830	13	involving	involve	VERB
cblr-1712	830	14	a	a	DET
cblr-1712	830	15	bad	bad	ADJ
cblr-1712	830	16	affidavit	affidavit	NOUN
cblr-1712	830	17	—	—	PUNCT
cblr-1712	830	18	were	be	AUX
cblr-1712	830	19	the	the	DET
cblr-1712	830	20	majority	majority	NOUN
cblr-1712	830	21	of	of	ADP
cblr-1712	830	22	class	class	NOUN
cblr-1712	830	23	members	member	NOUN
cblr-1712	830	24	compensated	compensate	VERB
cblr-1712	830	25	.	.	PUNCT
cblr-1712	831	1	for	for	ADP
cblr-1712	831	2	all	all	DET
cblr-1712	831	3	other	other	ADJ
cblr-1712	831	4	case	case	NOUN
cblr-1712	831	5	types	type	NOUN
cblr-1712	831	6	,	,	PUNCT
cblr-1712	831	7	at	at	ADP
cblr-1712	831	8	most	most	ADJ
cblr-1712	831	9	onethird	onethird	NOUN
cblr-1712	831	10	or	or	CCONJ
cblr-1712	831	11	one	one	NUM
cblr-1712	831	12	-	-	PUNCT
cblr-1712	831	13	half	half	NOUN
cblr-1712	831	14	of	of	ADP
cblr-1712	831	15	the	the	DET
cblr-1712	831	16	class	class	NOUN
cblr-1712	831	17	was	be	AUX
cblr-1712	831	18	compensated	compensate	VERB
cblr-1712	831	19	.	.	PUNCT
cblr-1712	832	1	and	and	CCONJ
cblr-1712	832	2	for	for	ADP
cblr-1712	832	3	the	the	DET
cblr-1712	832	4	largest	large	ADJ
cblr-1712	832	5	class	class	NOUN
cblr-1712	832	6	settlements	settlement	NOUN
cblr-1712	832	7	—	—	PUNCT
cblr-1712	832	8	involving	involve	VERB
cblr-1712	832	9	debt	debt	NOUN
cblr-1712	832	10	calls	call	NOUN
cblr-1712	832	11	in	in	ADP
cblr-1712	832	12	violation	violation	NOUN
cblr-1712	832	13	of	of	ADP
cblr-1712	832	14	the	the	DET
cblr-1712	832	15	tcpa	tcpa	NOUN
cblr-1712	832	16	,	,	PUNCT
cblr-1712	832	17	fcra	fcra	NOUN
cblr-1712	832	18	expiration	expiration	NOUN
cblr-1712	832	19	date	date	NOUN
cblr-1712	832	20	violations	violation	NOUN
cblr-1712	832	21	,	,	PUNCT
cblr-1712	832	22	and	and	CCONJ
cblr-1712	832	23	fdcpa	fdcpa	VERB
cblr-1712	832	24	formality	formality	NOUN
cblr-1712	832	25	violations	violation	NOUN
cblr-1712	832	26	—	—	PUNCT
cblr-1712	832	27	only	only	ADV
cblr-1712	832	28	10	10	NUM
cblr-1712	832	29	%	%	NOUN
cblr-1712	832	30	to	to	PART
cblr-1712	832	31	15	15	NUM
cblr-1712	832	32	%	%	NOUN
cblr-1712	832	33	of	of	ADP
cblr-1712	832	34	class	class	NOUN
cblr-1712	832	35	members	member	NOUN
cblr-1712	832	36	ever	ever	ADV
cblr-1712	832	37	receive	receive	VERB
cblr-1712	832	38	even	even	ADV
cblr-1712	832	39	one	one	NUM
cblr-1712	832	40	dollar	dollar	NOUN
cblr-1712	832	41	under	under	ADP
cblr-1712	832	42	a	a	DET
cblr-1712	832	43	class	class	NOUN
cblr-1712	832	44	-	-	PUNCT
cblr-1712	832	45	action	action	NOUN
cblr-1712	832	46	settlement	settlement	NOUN
cblr-1712	832	47	.	.	PUNCT
cblr-1712	833	1	class	class	NOUN
cblr-1712	833	2	-	-	PUNCT
cblr-1712	833	3	action	action	NOUN
cblr-1712	833	4	settlements	settlement	NOUN
cblr-1712	833	5	do	do	AUX
cblr-1712	833	6	generate	generate	VERB
cblr-1712	833	7	some	some	DET
cblr-1712	833	8	plaintiff	plaintiff	NOUN
cblr-1712	833	9	compensation	compensation	NOUN
cblr-1712	833	10	,	,	PUNCT
cblr-1712	833	11	but	but	CCONJ
cblr-1712	833	12	especially	especially	ADV
cblr-1712	833	13	in	in	ADP
cblr-1712	833	14	the	the	DET
cblr-1712	833	15	largest	large	ADJ
cblr-1712	833	16	class	class	NOUN
cblr-1712	833	17	actions	action	NOUN
cblr-1712	833	18	,	,	PUNCT
cblr-1712	833	19	about	about	ADV
cblr-1712	833	20	90	90	NUM
cblr-1712	833	21	%	%	NOUN
cblr-1712	833	22	of	of	ADP
cblr-1712	833	23	class	class	NOUN
cblr-1712	833	24	members	member	NOUN
cblr-1712	833	25	receive	receive	VERB
cblr-1712	833	26	nothing	nothing	PRON
cblr-1712	833	27	.	.	PUNCT
cblr-1712	834	1	d.	d.	PROPN
cblr-1712	834	2	as	as	SCONJ
cblr-1712	834	3	there	there	PRON
cblr-1712	834	4	are	be	VERB
cblr-1712	834	5	no	no	DET
cblr-1712	834	6	“	"	PUNCT
cblr-1712	834	7	small	small	ADJ
cblr-1712	834	8	dollar	dollar	NOUN
cblr-1712	834	9	”	"	PUNCT
cblr-1712	834	10	consumer	consumer	NOUN
cblr-1712	834	11	class	class	NOUN
cblr-1712	834	12	actions	action	NOUN
cblr-1712	834	13	under	under	ADP
cblr-1712	834	14	federal	federal	ADJ
cblr-1712	834	15	consumer	consumer	NOUN
cblr-1712	834	16	protection	protection	NOUN
cblr-1712	834	17	statutes	statute	NOUN
cblr-1712	834	18	with	with	ADP
cblr-1712	834	19	statutory	statutory	ADJ
cblr-1712	834	20	damages	damage	NOUN
cblr-1712	834	21	,	,	PUNCT
cblr-1712	834	22	the	the	DET
cblr-1712	834	23	basic	basic	ADJ
cblr-1712	834	24	economic	economic	ADJ
cblr-1712	834	25	justification	justification	NOUN
cblr-1712	834	26	for	for	ADP
cblr-1712	834	27	claims	claim	NOUN
cblr-1712	834	28	aggregation	aggregation	NOUN
cblr-1712	834	29	in	in	ADP
cblr-1712	834	30	the	the	DET
cblr-1712	834	31	class	class	NOUN
cblr-1712	834	32	action	action	NOUN
cblr-1712	834	33	may	may	AUX
cblr-1712	834	34	fail	fail	VERB
cblr-1712	834	35	to	to	PART
cblr-1712	834	36	hold	hold	VERB
cblr-1712	834	37	as	as	SCONJ
cblr-1712	834	38	discussed	discuss	VERB
cblr-1712	834	39	in	in	ADP
cblr-1712	834	40	the	the	DET
cblr-1712	834	41	introduction	introduction	NOUN
cblr-1712	834	42	,	,	PUNCT
cblr-1712	834	43	the	the	DET
cblr-1712	834	44	basic	basic	ADJ
cblr-1712	834	45	economic	economic	ADJ
cblr-1712	834	46	rationale	rationale	NOUN
cblr-1712	834	47	for	for	ADP
cblr-1712	834	48	consumer	consumer	NOUN
cblr-1712	834	49	class	class	NOUN
cblr-1712	834	50	actions	action	NOUN
cblr-1712	834	51	is	be	AUX
cblr-1712	834	52	that	that	SCONJ
cblr-1712	834	53	when	when	SCONJ
cblr-1712	834	54	individual	individual	ADJ
cblr-1712	834	55	consumer	consumer	NOUN
cblr-1712	834	56	harm	harm	NOUN
cblr-1712	834	57	is	be	AUX
cblr-1712	834	58	small	small	ADJ
cblr-1712	834	59	,	,	PUNCT
cblr-1712	834	60	even	even	ADV
cblr-1712	834	61	though	though	SCONJ
cblr-1712	834	62	efficient	efficient	ADJ
cblr-1712	834	63	deterrence	deterrence	NOUN
cblr-1712	834	64	requires	require	VERB
cblr-1712	834	65	forcing	force	VERB
cblr-1712	834	66	firms	firm	NOUN
cblr-1712	834	67	to	to	PART
cblr-1712	834	68	pay	pay	VERB
cblr-1712	834	69	for	for	ADP
cblr-1712	834	70	the	the	DET
cblr-1712	834	71	harm	harm	NOUN
cblr-1712	834	72	they	they	PRON
cblr-1712	834	73	have	have	AUX
cblr-1712	834	74	caused	cause	VERB
cblr-1712	834	75	,	,	PUNCT
cblr-1712	834	76	no	no	DET
cblr-1712	834	77	consumer	consumer	NOUN
cblr-1712	834	78	will	will	AUX
cblr-1712	834	79	find	find	VERB
cblr-1712	834	80	it	it	PRON
cblr-1712	834	81	in	in	ADP
cblr-1712	834	82	her	her	PRON
cblr-1712	834	83	self	self	NOUN
cblr-1712	834	84	-	-	PUNCT
cblr-1712	834	85	interest	interest	NOUN
cblr-1712	834	86	to	to	PART
cblr-1712	834	87	pursue	pursue	VERB
cblr-1712	834	88	a	a	DET
cblr-1712	834	89	lawsuit	lawsuit	NOUN
cblr-1712	834	90	.	.	PUNCT
cblr-1712	835	1	by	by	ADP
cblr-1712	835	2	aggregating	aggregate	VERB
cblr-1712	835	3	claims	claim	NOUN
cblr-1712	835	4	via	via	ADP
cblr-1712	835	5	the	the	DET
cblr-1712	835	6	class	class	NOUN
cblr-1712	835	7	-	-	PUNCT
cblr-1712	835	8	action	action	NOUN
cblr-1712	835	9	device	device	NOUN
cblr-1712	835	10	,	,	PUNCT
cblr-1712	835	11	class	class	NOUN
cblr-1712	835	12	counsel	counsel	NOUN
cblr-1712	835	13	has	have	VERB
cblr-1712	835	14	an	an	DET
cblr-1712	835	15	incentive	incentive	NOUN
cblr-1712	835	16	to	to	PART
cblr-1712	835	17	bring	bring	VERB
cblr-1712	835	18	suits	suit	NOUN
cblr-1712	835	19	that	that	PRON
cblr-1712	835	20	force	force	VERB
cblr-1712	835	21	firms	firm	NOUN
cblr-1712	835	22	to	to	PART
cblr-1712	835	23	internalize	internalize	VERB
cblr-1712	835	24	the	the	DET
cblr-1712	835	25	harm	harm	NOUN
cblr-1712	835	26	they	they	PRON
cblr-1712	835	27	have	have	AUX
cblr-1712	835	28	caused	cause	VERB
cblr-1712	835	29	.	.	PUNCT
cblr-1712	836	1	whether	whether	SCONJ
cblr-1712	836	2	or	or	CCONJ
cblr-1712	836	3	not	not	PART
cblr-1712	836	4	deterrence	deterrence	NOUN
cblr-1712	836	5	is	be	AUX
cblr-1712	836	6	optimal	optimal	ADJ
cblr-1712	836	7	—	—	PUNCT
cblr-1712	836	8	in	in	ADP
cblr-1712	836	9	the	the	DET
cblr-1712	836	10	sense	sense	NOUN
cblr-1712	836	11	of	of	ADP
cblr-1712	836	12	imposing	impose	VERB
cblr-1712	836	13	liability	liability	NOUN
cblr-1712	836	14	equal	equal	ADJ
cblr-1712	836	15	to	to	ADP
cblr-1712	836	16	the	the	DET
cblr-1712	836	17	actual	actual	ADJ
cblr-1712	836	18	harm	harm	NOUN
cblr-1712	836	19	caused	cause	VERB
cblr-1712	836	20	if	if	SCONJ
cblr-1712	836	21	and	and	CCONJ
cblr-1712	836	22	only	only	ADV
cblr-1712	836	23	if	if	SCONJ
cblr-1712	836	24	the	the	DET
cblr-1712	836	25	firm	firm	NOUN
cblr-1712	836	26	has	have	AUX
cblr-1712	836	27	actually	actually	ADV
cblr-1712	836	28	caused	cause	VERB
cblr-1712	836	29	harm	harm	NOUN
cblr-1712	836	30	—	—	PUNCT
cblr-1712	836	31	the	the	DET
cblr-1712	836	32	class	class	NOUN
cblr-1712	836	33	action	action	NOUN
cblr-1712	836	34	at	at	ADP
cblr-1712	836	35	the	the	DET
cblr-1712	836	36	very	very	ADV
cblr-1712	836	37	least	least	ADJ
cblr-1712	836	38	forces	force	NOUN
cblr-1712	836	39	firms	firm	NOUN
cblr-1712	836	40	to	to	PART
cblr-1712	836	41	internalize	internalize	VERB
cblr-1712	836	42	some	some	PRON
cblr-1712	836	43	of	of	ADP
cblr-1712	836	44	the	the	DET
cblr-1712	836	45	harm	harm	NOUN
cblr-1712	836	46	they	they	PRON
cblr-1712	836	47	cause	cause	VERB
cblr-1712	836	48	.	.	PUNCT
cblr-1712	837	1	the	the	DET
cblr-1712	837	2	federal	federal	ADJ
cblr-1712	837	3	consumer	consumer	NOUN
cblr-1712	837	4	protection	protection	NOUN
cblr-1712	837	5	statutes	statute	NOUN
cblr-1712	837	6	discussed	discuss	VERB
cblr-1712	837	7	here	here	ADV
cblr-1712	837	8	award	award	VERB
cblr-1712	837	9	statutory	statutory	ADJ
cblr-1712	837	10	damages	damage	NOUN
cblr-1712	837	11	of	of	ADP
cblr-1712	837	12	at	at	ADV
cblr-1712	837	13	least	least	ADV
cblr-1712	837	14	$	$	SYM
cblr-1712	837	15	500	500	NUM
cblr-1712	837	16	,	,	PUNCT
cblr-1712	837	17	and	and	CCONJ
cblr-1712	837	18	more	more	ADV
cblr-1712	837	19	often	often	ADV
cblr-1712	837	20	johnston	johnston	PROPN
cblr-1712	837	21	–	–	PUNCT
cblr-1712	837	22	final	final	ADJ
cblr-1712	837	23	72	72	NUM
cblr-1712	837	24	columbia	columbia	PROPN
cblr-1712	837	25	business	business	NOUN
cblr-1712	837	26	law	law	PROPN
cblr-1712	837	27	review	review	NOUN
cblr-1712	837	28	[	[	X
cblr-1712	837	29	vol	vol	NOUN
cblr-1712	837	30	.	.	NOUN
cblr-1712	837	31	2017	2017	NUM
cblr-1712	837	32	$	$	SYM
cblr-1712	837	33	1000	1000	NUM
cblr-1712	837	34	or	or	CCONJ
cblr-1712	837	35	$	$	SYM
cblr-1712	837	36	1500	1500	NUM
cblr-1712	837	37	,	,	PUNCT
cblr-1712	837	38	without	without	ADP
cblr-1712	837	39	proof	proof	NOUN
cblr-1712	837	40	of	of	ADP
cblr-1712	837	41	harm	harm	NOUN
cblr-1712	837	42	.	.	PUNCT
cblr-1712	838	1	in	in	ADP
cblr-1712	838	2	each	each	PRON
cblr-1712	838	3	of	of	ADP
cblr-1712	838	4	the	the	DET
cblr-1712	838	5	327	327	NUM
cblr-1712	838	6	cases	case	NOUN
cblr-1712	838	7	in	in	ADP
cblr-1712	838	8	the	the	DET
cblr-1712	838	9	illinois	illinois	PROPN
cblr-1712	838	10	data	data	PROPN
cblr-1712	838	11	,	,	PUNCT
cblr-1712	838	12	the	the	DET
cblr-1712	838	13	plaintiff	plaintiff	NOUN
cblr-1712	838	14	asked	ask	VERB
cblr-1712	838	15	for	for	ADP
cblr-1712	838	16	at	at	ADP
cblr-1712	838	17	least	least	ADJ
cblr-1712	838	18	statutory	statutory	ADJ
cblr-1712	838	19	damages	damage	NOUN
cblr-1712	838	20	.	.	PUNCT
cblr-1712	839	1	thus	thus	ADV
cblr-1712	839	2	,	,	PUNCT
cblr-1712	839	3	there	there	PRON
cblr-1712	839	4	are	be	VERB
cblr-1712	839	5	no	no	DET
cblr-1712	839	6	truly	truly	ADV
cblr-1712	839	7	small	small	ADJ
cblr-1712	839	8	dollar	dollar	NOUN
cblr-1712	839	9	claims	claim	NOUN
cblr-1712	839	10	under	under	ADP
cblr-1712	839	11	the	the	DET
cblr-1712	839	12	federal	federal	ADJ
cblr-1712	839	13	consumer	consumer	NOUN
cblr-1712	839	14	protection	protection	NOUN
cblr-1712	839	15	statutes	statute	NOUN
cblr-1712	839	16	studied	study	VERB
cblr-1712	839	17	here	here	ADV
cblr-1712	839	18	.	.	PUNCT
cblr-1712	840	1	the	the	DET
cblr-1712	840	2	illinois	illinois	PROPN
cblr-1712	840	3	data	data	PROPN
cblr-1712	840	4	is	be	AUX
cblr-1712	840	5	insufficient	insufficient	ADJ
cblr-1712	840	6	to	to	PART
cblr-1712	840	7	demonstrate	demonstrate	VERB
cblr-1712	840	8	whether	whether	SCONJ
cblr-1712	840	9	or	or	CCONJ
cblr-1712	840	10	not	not	PART
cblr-1712	840	11	$	$	SYM
cblr-1712	840	12	1000	1000	NUM
cblr-1712	840	13	in	in	ADP
cblr-1712	840	14	statutory	statutory	ADJ
cblr-1712	840	15	damages	damage	NOUN
cblr-1712	840	16	incentivizes	incentivize	VERB
cblr-1712	840	17	an	an	DET
cblr-1712	840	18	individual	individual	ADJ
cblr-1712	840	19	lawsuit	lawsuit	NOUN
cblr-1712	840	20	.	.	PUNCT
cblr-1712	841	1	however	however	ADV
cblr-1712	841	2	,	,	PUNCT
cblr-1712	841	3	the	the	DET
cblr-1712	841	4	illinois	illinois	PROPN
cblr-1712	841	5	data	data	PROPN
cblr-1712	841	6	does	do	AUX
cblr-1712	841	7	provide	provide	VERB
cblr-1712	841	8	evidence	evidence	NOUN
cblr-1712	841	9	that	that	SCONJ
cblr-1712	841	10	federal	federal	ADJ
cblr-1712	841	11	consumer	consumer	NOUN
cblr-1712	841	12	protection	protection	NOUN
cblr-1712	841	13	statutes	statute	NOUN
cblr-1712	841	14	have	have	AUX
cblr-1712	841	15	eliminated	eliminate	VERB
cblr-1712	841	16	the	the	DET
cblr-1712	841	17	very	very	ADV
cblr-1712	841	18	small	small	ADJ
cblr-1712	841	19	$	$	SYM
cblr-1712	841	20	20	20	NUM
cblr-1712	841	21	or	or	CCONJ
cblr-1712	841	22	$	$	SYM
cblr-1712	841	23	30	30	NUM
cblr-1712	841	24	claim	claim	NOUN
cblr-1712	841	25	that	that	PRON
cblr-1712	841	26	is	be	AUX
cblr-1712	841	27	often	often	ADV
cblr-1712	841	28	taken	take	VERB
cblr-1712	841	29	to	to	PART
cblr-1712	841	30	epitomize	epitomize	VERB
cblr-1712	841	31	and	and	CCONJ
cblr-1712	841	32	justify	justify	VERB
cblr-1712	841	33	consumer	consumer	NOUN
cblr-1712	841	34	class	class	NOUN
cblr-1712	841	35	actions	action	NOUN
cblr-1712	841	36	.	.	PUNCT
cblr-1712	842	1	e.	e.	PROPN
cblr-1712	842	2	consumer	consumer	PROPN
cblr-1712	842	3	class	class	NOUN
cblr-1712	842	4	actions	action	NOUN
cblr-1712	842	5	under	under	ADP
cblr-1712	842	6	federal	federal	ADJ
cblr-1712	842	7	consumer	consumer	NOUN
cblr-1712	842	8	protection	protection	NOUN
cblr-1712	842	9	statutes	statute	NOUN
cblr-1712	842	10	are	be	AUX
cblr-1712	842	11	never	never	ADV
cblr-1712	842	12	tried	try	VERB
cblr-1712	842	13	,	,	PUNCT
cblr-1712	842	14	rarely	rarely	ADV
cblr-1712	842	15	generate	generate	VERB
cblr-1712	842	16	binding	binding	ADJ
cblr-1712	842	17	legal	legal	ADJ
cblr-1712	842	18	precedent	precedent	NOUN
cblr-1712	842	19	,	,	PUNCT
cblr-1712	842	20	and	and	CCONJ
cblr-1712	842	21	may	may	AUX
cblr-1712	842	22	well	well	ADV
cblr-1712	842	23	be	be	AUX
cblr-1712	842	24	individually	individually	ADV
cblr-1712	842	25	viable	viable	ADJ
cblr-1712	842	26	the	the	DET
cblr-1712	842	27	data	datum	NOUN
cblr-1712	842	28	also	also	ADV
cblr-1712	842	29	shows	show	VERB
cblr-1712	842	30	that	that	SCONJ
cblr-1712	842	31	the	the	DET
cblr-1712	842	32	value	value	NOUN
cblr-1712	842	33	of	of	ADP
cblr-1712	842	34	consumer	consumer	NOUN
cblr-1712	842	35	class	class	NOUN
cblr-1712	842	36	actions	action	NOUN
cblr-1712	842	37	in	in	ADP
cblr-1712	842	38	setting	set	VERB
cblr-1712	842	39	binding	bind	VERB
cblr-1712	842	40	legal	legal	ADJ
cblr-1712	842	41	precedent	precedent	NOUN
cblr-1712	842	42	that	that	PRON
cblr-1712	842	43	may	may	AUX
cblr-1712	842	44	guide	guide	VERB
cblr-1712	842	45	future	future	ADJ
cblr-1712	842	46	behavior	behavior	NOUN
cblr-1712	842	47	may	may	AUX
cblr-1712	842	48	be	be	AUX
cblr-1712	842	49	more	more	ADV
cblr-1712	842	50	limited	limited	ADJ
cblr-1712	842	51	than	than	SCONJ
cblr-1712	842	52	some	some	DET
cblr-1712	842	53	commentators	commentator	NOUN
cblr-1712	842	54	assume	assume	VERB
cblr-1712	842	55	.	.	PUNCT
cblr-1712	843	1	some	some	DET
cblr-1712	843	2	published	publish	VERB
cblr-1712	843	3	opinions	opinion	NOUN
cblr-1712	843	4	do	do	AUX
cblr-1712	843	5	emerge	emerge	VERB
cblr-1712	843	6	from	from	ADP
cblr-1712	843	7	the	the	DET
cblr-1712	843	8	kind	kind	NOUN
cblr-1712	843	9	of	of	ADP
cblr-1712	843	10	class	class	NOUN
cblr-1712	843	11	-	-	PUNCT
cblr-1712	843	12	action	action	NOUN
cblr-1712	843	13	litigations	litigation	NOUN
cblr-1712	843	14	studied	study	VERB
cblr-1712	843	15	here	here	ADV
cblr-1712	843	16	.	.	PUNCT
cblr-1712	844	1	courts	court	NOUN
cblr-1712	844	2	have	have	AUX
cblr-1712	844	3	,	,	PUNCT
cblr-1712	844	4	for	for	ADP
cblr-1712	844	5	example	example	NOUN
cblr-1712	844	6	,	,	PUNCT
cblr-1712	844	7	clarified	clarify	VERB
cblr-1712	844	8	in	in	ADP
cblr-1712	844	9	published	publish	VERB
cblr-1712	844	10	opinions	opinion	NOUN
cblr-1712	844	11	that	that	PRON
cblr-1712	844	12	the	the	DET
cblr-1712	844	13	defendant	defendant	NOUN
cblr-1712	844	14	in	in	ADP
cblr-1712	844	15	a	a	DET
cblr-1712	844	16	tcpa	tcpa	NOUN
cblr-1712	844	17	case	case	NOUN
cblr-1712	844	18	has	have	VERB
cblr-1712	844	19	the	the	DET
cblr-1712	844	20	burden	burden	NOUN
cblr-1712	844	21	of	of	ADP
cblr-1712	844	22	showing	show	VERB
cblr-1712	844	23	that	that	SCONJ
cblr-1712	844	24	the	the	DET
cblr-1712	844	25	consumer	consumer	NOUN
cblr-1712	844	26	consented	consent	VERB
cblr-1712	844	27	to	to	PART
cblr-1712	844	28	be	be	AUX
cblr-1712	844	29	called.155	called.155	NOUN
cblr-1712	844	30	but	but	CCONJ
cblr-1712	844	31	while	while	SCONJ
cblr-1712	844	32	courts	court	NOUN
cblr-1712	844	33	do	do	AUX
cblr-1712	844	34	issue	issue	VERB
cblr-1712	844	35	opinions	opinion	NOUN
cblr-1712	844	36	when	when	SCONJ
cblr-1712	844	37	they	they	PRON
cblr-1712	844	38	rule	rule	VERB
cblr-1712	844	39	on	on	ADP
cblr-1712	844	40	motions	motion	NOUN
cblr-1712	844	41	to	to	PART
cblr-1712	844	42	dismiss	dismiss	VERB
cblr-1712	844	43	and	and	CCONJ
cblr-1712	844	44	summary	summary	VERB
cblr-1712	844	45	judgment	judgment	NOUN
cblr-1712	844	46	motions	motion	NOUN
cblr-1712	844	47	,	,	PUNCT
cblr-1712	844	48	very	very	ADV
cblr-1712	844	49	few	few	ADJ
cblr-1712	844	50	such	such	ADJ
cblr-1712	844	51	opinions	opinion	NOUN
cblr-1712	844	52	are	be	AUX
cblr-1712	844	53	published	publish	VERB
cblr-1712	844	54	.	.	PUNCT
cblr-1712	845	1	nonetheless	nonetheless	ADV
cblr-1712	845	2	,	,	PUNCT
cblr-1712	845	3	precisely	precisely	ADV
cblr-1712	845	4	zero	zero	NUM
cblr-1712	845	5	cases	case	NOUN
cblr-1712	845	6	in	in	ADP
cblr-1712	845	7	the	the	DET
cblr-1712	845	8	sample	sample	NOUN
cblr-1712	845	9	of	of	ADP
cblr-1712	845	10	327	327	NUM
cblr-1712	845	11	consumer	consumer	NOUN
cblr-1712	845	12	class	class	NOUN
cblr-1712	845	13	actions	action	NOUN
cblr-1712	845	14	ever	ever	ADV
cblr-1712	845	15	went	go	VERB
cblr-1712	845	16	to	to	ADP
cblr-1712	845	17	trial	trial	NOUN
cblr-1712	845	18	.	.	PUNCT
cblr-1712	846	1	the	the	DET
cblr-1712	846	2	rare	rare	ADJ
cblr-1712	846	3	plaintiff	plaintiff	NOUN
cblr-1712	846	4	judgments	judgment	NOUN
cblr-1712	846	5	were	be	AUX
cblr-1712	846	6	all	all	PRON
cblr-1712	846	7	default	default	NOUN
cblr-1712	846	8	judgments	judgment	NOUN
cblr-1712	846	9	.	.	PUNCT
cblr-1712	847	1	the	the	DET
cblr-1712	847	2	data	datum	NOUN
cblr-1712	847	3	suggest	suggest	VERB
cblr-1712	847	4	that	that	SCONJ
cblr-1712	847	5	consumer	consumer	NOUN
cblr-1712	847	6	class	class	NOUN
cblr-1712	847	7	actions	action	NOUN
cblr-1712	847	8	under	under	ADP
cblr-1712	847	9	federal	federal	ADJ
cblr-1712	847	10	consumer	consumer	NOUN
cblr-1712	847	11	protection	protection	NOUN
cblr-1712	847	12	statutes	statute	NOUN
cblr-1712	847	13	rarely	rarely	ADV
cblr-1712	847	14	involve	involve	VERB
cblr-1712	847	15	a	a	DET
cblr-1712	847	16	formal	formal	ADJ
cblr-1712	847	17	vindication	vindication	NOUN
cblr-1712	847	18	of	of	ADP
cblr-1712	847	19	consumer	consumer	NOUN
cblr-1712	847	20	rights	right	NOUN
cblr-1712	847	21	.	.	PUNCT
cblr-1712	848	1	most	most	ADJ
cblr-1712	848	2	of	of	ADP
cblr-1712	848	3	the	the	DET
cblr-1712	848	4	time	time	NOUN
cblr-1712	848	5	,	,	PUNCT
cblr-1712	848	6	consumer	consumer	NOUN
cblr-1712	848	7	class	class	NOUN
cblr-1712	848	8	actions	action	NOUN
cblr-1712	848	9	generate	generate	VERB
cblr-1712	848	10	an	an	DET
cblr-1712	848	11	individual	individual	ADJ
cblr-1712	848	12	settlement	settlement	NOUN
cblr-1712	848	13	.	.	PUNCT
cblr-1712	849	1	about	about	ADV
cblr-1712	849	2	half	half	NOUN
cblr-1712	849	3	of	of	ADP
cblr-1712	849	4	the	the	DET
cblr-1712	849	5	tcpa	tcpa	NOUN
cblr-1712	849	6	,	,	PUNCT
cblr-1712	849	7	fcra	fcra	NOUN
cblr-1712	849	8	,	,	PUNCT
cblr-1712	849	9	and	and	CCONJ
cblr-1712	849	10	efta	efta	PROPN
cblr-1712	849	11	cases	case	NOUN
cblr-1712	849	12	in	in	ADP
cblr-1712	849	13	the	the	DET
cblr-1712	849	14	illinois	illinois	PROPN
cblr-1712	849	15	data	datum	NOUN
cblr-1712	849	16	settled	settle	VERB
cblr-1712	849	17	individually	individually	ADV
cblr-1712	849	18	.	.	PUNCT
cblr-1712	850	1	a	a	DET
cblr-1712	850	2	full	full	ADJ
cblr-1712	850	3	70	70	NUM
cblr-1712	850	4	%	%	NOUN
cblr-1712	850	5	of	of	ADP
cblr-1712	850	6	all	all	DET
cblr-1712	850	7	fdcpa	fdcpa	NOUN
cblr-1712	850	8	cases	case	NOUN
cblr-1712	850	9	ended	end	VERB
cblr-1712	850	10	in	in	ADP
cblr-1712	850	11	an	an	DET
cblr-1712	850	12	individual	individual	ADJ
cblr-1712	850	13	settlement	settlement	NOUN
cblr-1712	850	14	.	.	PUNCT
cblr-1712	851	1	155	155	NUM
cblr-1712	851	2	see	see	NOUN
cblr-1712	851	3	cases	case	NOUN
cblr-1712	851	4	cited	cite	VERB
cblr-1712	851	5	infra	infra	NOUN
cblr-1712	851	6	note	note	VERB
cblr-1712	851	7	163	163	NUM
cblr-1712	851	8	.	.	PUNCT
cblr-1712	852	1	johnston	johnston	PROPN
cblr-1712	852	2	–	–	PUNCT
cblr-1712	852	3	final	final	ADJ
cblr-1712	852	4	no	no	NOUN
cblr-1712	852	5	.	.	NOUN
cblr-1712	852	6	1:1	1:1	NUM
cblr-1712	852	7	]	]	X
cblr-1712	852	8	high	high	ADJ
cblr-1712	852	9	cost	cost	NOUN
cblr-1712	852	10	,	,	PUNCT
cblr-1712	852	11	little	little	ADJ
cblr-1712	852	12	compensation	compensation	NOUN
cblr-1712	852	13	73	73	NUM
cblr-1712	852	14	somewhat	somewhat	ADV
cblr-1712	852	15	ironically	ironically	ADV
cblr-1712	852	16	,	,	PUNCT
cblr-1712	852	17	consumer	consumer	NOUN
cblr-1712	852	18	class	class	NOUN
cblr-1712	852	19	actions	action	NOUN
cblr-1712	852	20	under	under	ADP
cblr-1712	852	21	these	these	DET
cblr-1712	852	22	statutes	statute	NOUN
cblr-1712	852	23	seem	seem	VERB
cblr-1712	852	24	to	to	PART
cblr-1712	852	25	do	do	VERB
cblr-1712	852	26	quite	quite	ADV
cblr-1712	852	27	well	well	ADV
cblr-1712	852	28	at	at	ADP
cblr-1712	852	29	compensating	compensate	VERB
cblr-1712	852	30	the	the	DET
cblr-1712	852	31	individual	individual	ADJ
cblr-1712	852	32	named	name	VERB
cblr-1712	852	33	plaintiff	plaintiff	NOUN
cblr-1712	852	34	.	.	PUNCT
cblr-1712	853	1	the	the	DET
cblr-1712	853	2	terms	term	NOUN
cblr-1712	853	3	of	of	ADP
cblr-1712	853	4	the	the	DET
cblr-1712	853	5	individual	individual	ADJ
cblr-1712	853	6	settlements	settlement	NOUN
cblr-1712	853	7	are	be	AUX
cblr-1712	853	8	opaque	opaque	ADJ
cblr-1712	853	9	.	.	PUNCT
cblr-1712	854	1	however	however	ADV
cblr-1712	854	2	,	,	PUNCT
cblr-1712	854	3	in	in	ADP
cblr-1712	854	4	the	the	DET
cblr-1712	854	5	three	three	NUM
cblr-1712	854	6	default	default	NOUN
cblr-1712	854	7	judgments	judgment	NOUN
cblr-1712	854	8	in	in	ADP
cblr-1712	854	9	our	our	PRON
cblr-1712	854	10	sample	sample	NOUN
cblr-1712	854	11	,	,	PUNCT
cblr-1712	854	12	the	the	DET
cblr-1712	854	13	plaintiffs	plaintiff	NOUN
cblr-1712	854	14	were	be	AUX
cblr-1712	854	15	awarded	award	VERB
cblr-1712	854	16	maximum	maximum	ADJ
cblr-1712	854	17	statutory	statutory	ADJ
cblr-1712	854	18	damages	damage	NOUN
cblr-1712	854	19	of	of	ADP
cblr-1712	854	20	$	$	SYM
cblr-1712	854	21	1000	1000	NUM
cblr-1712	854	22	,	,	PUNCT
cblr-1712	854	23	with	with	SCONJ
cblr-1712	854	24	attorneys	attorney	NOUN
cblr-1712	854	25	’	'	PUNCT
cblr-1712	854	26	fees	fee	NOUN
cblr-1712	854	27	of	of	ADP
cblr-1712	854	28	roughly	roughly	ADV
cblr-1712	854	29	$	$	SYM
cblr-1712	854	30	10,000	10,000	NUM
cblr-1712	854	31	also	also	ADV
cblr-1712	854	32	awarded	award	VERB
cblr-1712	854	33	.	.	PUNCT
cblr-1712	855	1	if	if	SCONJ
cblr-1712	855	2	the	the	DET
cblr-1712	855	3	terms	term	NOUN
cblr-1712	855	4	of	of	ADP
cblr-1712	855	5	these	these	DET
cblr-1712	855	6	default	default	NOUN
cblr-1712	855	7	judgments	judgment	NOUN
cblr-1712	855	8	were	be	AUX
cblr-1712	855	9	similar	similar	ADJ
cblr-1712	855	10	to	to	ADP
cblr-1712	855	11	the	the	DET
cblr-1712	855	12	terms	term	NOUN
cblr-1712	855	13	of	of	ADP
cblr-1712	855	14	individual	individual	ADJ
cblr-1712	855	15	settlements	settlement	NOUN
cblr-1712	855	16	,	,	PUNCT
cblr-1712	855	17	then	then	ADV
cblr-1712	855	18	at	at	ADP
cblr-1712	855	19	the	the	DET
cblr-1712	855	20	very	very	ADV
cblr-1712	855	21	least	least	ADJ
cblr-1712	855	22	,	,	PUNCT
cblr-1712	855	23	class	class	NOUN
cblr-1712	855	24	counsel	counsel	NOUN
cblr-1712	855	25	are	be	AUX
cblr-1712	855	26	being	be	AUX
cblr-1712	855	27	fully	fully	ADV
cblr-1712	855	28	compensated	compensate	VERB
cblr-1712	855	29	for	for	ADP
cblr-1712	855	30	their	their	PRON
cblr-1712	855	31	efforts	effort	NOUN
cblr-1712	855	32	in	in	ADP
cblr-1712	855	33	obtaining	obtain	VERB
cblr-1712	855	34	such	such	ADJ
cblr-1712	855	35	individual	individual	ADJ
cblr-1712	855	36	settlements	settlement	NOUN
cblr-1712	855	37	.	.	PUNCT
cblr-1712	856	1	it	it	PRON
cblr-1712	856	2	may	may	AUX
cblr-1712	856	3	well	well	ADV
cblr-1712	856	4	be	be	AUX
cblr-1712	856	5	that	that	SCONJ
cblr-1712	856	6	without	without	ADP
cblr-1712	856	7	the	the	DET
cblr-1712	856	8	threat	threat	NOUN
cblr-1712	856	9	of	of	ADP
cblr-1712	856	10	proceeding	proceed	VERB
cblr-1712	856	11	to	to	PART
cblr-1712	856	12	discovery	discovery	VERB
cblr-1712	856	13	in	in	ADP
cblr-1712	856	14	an	an	DET
cblr-1712	856	15	attempt	attempt	NOUN
cblr-1712	856	16	to	to	PART
cblr-1712	856	17	certify	certify	VERB
cblr-1712	856	18	the	the	DET
cblr-1712	856	19	class	class	NOUN
cblr-1712	856	20	,	,	PUNCT
cblr-1712	856	21	such	such	ADJ
cblr-1712	856	22	individual	individual	ADJ
cblr-1712	856	23	settlements	settlement	NOUN
cblr-1712	856	24	would	would	AUX
cblr-1712	856	25	not	not	PART
cblr-1712	856	26	occur	occur	VERB
cblr-1712	856	27	.	.	PUNCT
cblr-1712	857	1	however	however	ADV
cblr-1712	857	2	,	,	PUNCT
cblr-1712	857	3	the	the	DET
cblr-1712	857	4	ubiquity	ubiquity	NOUN
cblr-1712	857	5	of	of	ADP
cblr-1712	857	6	such	such	ADJ
cblr-1712	857	7	settlements	settlement	NOUN
cblr-1712	857	8	strongly	strongly	ADV
cblr-1712	857	9	suggests	suggest	VERB
cblr-1712	857	10	that	that	SCONJ
cblr-1712	857	11	the	the	DET
cblr-1712	857	12	fees	fee	NOUN
cblr-1712	857	13	awarded	award	VERB
cblr-1712	857	14	for	for	ADP
cblr-1712	857	15	obtaining	obtain	VERB
cblr-1712	857	16	individual	individual	ADJ
cblr-1712	857	17	settlements	settlement	NOUN
cblr-1712	857	18	are	be	AUX
cblr-1712	857	19	sufficient	sufficient	ADJ
cblr-1712	857	20	to	to	PART
cblr-1712	857	21	incentivize	incentivize	VERB
cblr-1712	857	22	class	class	NOUN
cblr-1712	857	23	counsel	counsel	NOUN
cblr-1712	857	24	in	in	ADP
cblr-1712	857	25	these	these	DET
cblr-1712	857	26	types	type	NOUN
cblr-1712	857	27	of	of	ADP
cblr-1712	857	28	federal	federal	ADJ
cblr-1712	857	29	consumer	consumer	NOUN
cblr-1712	857	30	protection	protection	NOUN
cblr-1712	857	31	cases	case	NOUN
cblr-1712	857	32	.	.	PUNCT
cblr-1712	858	1	this	this	PRON
cblr-1712	858	2	suggests	suggest	VERB
cblr-1712	858	3	that	that	SCONJ
cblr-1712	858	4	consumer	consumer	NOUN
cblr-1712	858	5	class	class	NOUN
cblr-1712	858	6	actions	action	NOUN
cblr-1712	858	7	under	under	ADP
cblr-1712	858	8	these	these	DET
cblr-1712	858	9	statutes	statute	NOUN
cblr-1712	858	10	may	may	AUX
cblr-1712	858	11	not	not	PART
cblr-1712	858	12	be	be	AUX
cblr-1712	858	13	vital	vital	ADJ
cblr-1712	858	14	to	to	ADP
cblr-1712	858	15	either	either	CCONJ
cblr-1712	858	16	compensation	compensation	NOUN
cblr-1712	858	17	or	or	CCONJ
cblr-1712	858	18	deterrence	deterrence	NOUN
cblr-1712	858	19	.	.	PUNCT
cblr-1712	859	1	f.	f.	PROPN
cblr-1712	859	2	even	even	ADV
cblr-1712	859	3	cases	case	NOUN
cblr-1712	859	4	with	with	ADP
cblr-1712	859	5	allegations	allegation	NOUN
cblr-1712	859	6	of	of	ADP
cblr-1712	859	7	harm	harm	NOUN
cblr-1712	859	8	may	may	AUX
cblr-1712	859	9	actually	actually	ADV
cblr-1712	859	10	involve	involve	VERB
cblr-1712	859	11	no	no	DET
cblr-1712	859	12	harm	harm	NOUN
cblr-1712	859	13	to	to	ADP
cblr-1712	859	14	anybody	anybody	PRON
cblr-1712	859	15	other	other	ADJ
cblr-1712	859	16	types	type	NOUN
cblr-1712	859	17	of	of	ADP
cblr-1712	859	18	class	class	NOUN
cblr-1712	859	19	settlements	settlement	NOUN
cblr-1712	859	20	in	in	ADP
cblr-1712	859	21	the	the	DET
cblr-1712	859	22	illinois	illinois	PROPN
cblr-1712	859	23	data	datum	NOUN
cblr-1712	859	24	do	do	AUX
cblr-1712	859	25	involve	involve	VERB
cblr-1712	859	26	behavior	behavior	NOUN
cblr-1712	859	27	that	that	PRON
cblr-1712	859	28	congress	congress	PROPN
cblr-1712	859	29	deemed	deem	VERB
cblr-1712	859	30	harmful	harmful	ADJ
cblr-1712	859	31	.	.	PUNCT
cblr-1712	860	1	the	the	DET
cblr-1712	860	2	fdcpa	fdcpa	PROPN
cblr-1712	860	3	is	be	AUX
cblr-1712	860	4	premised	premise	VERB
cblr-1712	860	5	on	on	ADP
cblr-1712	860	6	the	the	DET
cblr-1712	860	7	finding	finding	NOUN
cblr-1712	860	8	that	that	SCONJ
cblr-1712	860	9	when	when	SCONJ
cblr-1712	860	10	debt	debt	NOUN
cblr-1712	860	11	collectors	collector	NOUN
cblr-1712	860	12	attempt	attempt	VERB
cblr-1712	860	13	to	to	PART
cblr-1712	860	14	collect	collect	VERB
cblr-1712	860	15	on	on	ADP
cblr-1712	860	16	bad	bad	ADJ
cblr-1712	860	17	debts	debt	NOUN
cblr-1712	860	18	and	and	CCONJ
cblr-1712	860	19	threaten	threaten	VERB
cblr-1712	860	20	debtors	debtor	NOUN
cblr-1712	860	21	with	with	ADP
cblr-1712	860	22	groundless	groundless	ADJ
cblr-1712	860	23	litigation	litigation	NOUN
cblr-1712	860	24	,	,	PUNCT
cblr-1712	860	25	they	they	PRON
cblr-1712	860	26	cause	cause	VERB
cblr-1712	860	27	harm	harm	NOUN
cblr-1712	860	28	to	to	ADP
cblr-1712	860	29	debtors	debtor	NOUN
cblr-1712	860	30	.	.	PUNCT
cblr-1712	861	1	some	some	DET
cblr-1712	861	2	fdcpa	fdcpa	PROPN
cblr-1712	861	3	class	class	NOUN
cblr-1712	861	4	actions	action	NOUN
cblr-1712	861	5	allege	allege	VERB
cblr-1712	861	6	such	such	ADJ
cblr-1712	861	7	harmful	harmful	ADJ
cblr-1712	861	8	behavior	behavior	NOUN
cblr-1712	861	9	.	.	PUNCT
cblr-1712	862	1	the	the	DET
cblr-1712	862	2	tcpa	tcpa	NOUN
cblr-1712	862	3	is	be	AUX
cblr-1712	862	4	premised	premise	VERB
cblr-1712	862	5	on	on	ADP
cblr-1712	862	6	the	the	DET
cblr-1712	862	7	congressional	congressional	ADJ
cblr-1712	862	8	finding	finding	NOUN
cblr-1712	862	9	that	that	SCONJ
cblr-1712	862	10	consumers	consumer	NOUN
cblr-1712	862	11	are	be	AUX
cblr-1712	862	12	harmed	harm	VERB
cblr-1712	862	13	when	when	SCONJ
cblr-1712	862	14	they	they	PRON
cblr-1712	862	15	are	be	AUX
cblr-1712	862	16	bothered	bother	VERB
cblr-1712	862	17	by	by	ADP
cblr-1712	862	18	receiving	receive	VERB
cblr-1712	862	19	an	an	DET
cblr-1712	862	20	automatic	automatic	ADJ
cblr-1712	862	21	phone	phone	NOUN
cblr-1712	862	22	call	call	NOUN
cblr-1712	862	23	,	,	PUNCT
cblr-1712	862	24	voicemail	voicemail	NOUN
cblr-1712	862	25	,	,	PUNCT
cblr-1712	862	26	text	text	NOUN
cblr-1712	862	27	,	,	PUNCT
cblr-1712	862	28	email	email	NOUN
cblr-1712	862	29	,	,	PUNCT
cblr-1712	862	30	or	or	CCONJ
cblr-1712	862	31	fax	fax	NOUN
cblr-1712	862	32	that	that	SCONJ
cblr-1712	862	33	they	they	PRON
cblr-1712	862	34	never	never	ADV
cblr-1712	862	35	consented	consent	VERB
cblr-1712	862	36	to	to	PART
cblr-1712	862	37	receive	receive	VERB
cblr-1712	862	38	.	.	PUNCT
cblr-1712	863	1	observe	observe	VERB
cblr-1712	863	2	,	,	PUNCT
cblr-1712	863	3	however	however	ADV
cblr-1712	863	4	,	,	PUNCT
cblr-1712	863	5	that	that	SCONJ
cblr-1712	863	6	the	the	DET
cblr-1712	863	7	harm	harm	NOUN
cblr-1712	863	8	from	from	ADP
cblr-1712	863	9	such	such	ADJ
cblr-1712	863	10	practices	practice	NOUN
cblr-1712	863	11	depends	depend	VERB
cblr-1712	863	12	upon	upon	SCONJ
cblr-1712	863	13	individually	individually	ADV
cblr-1712	863	14	specific	specific	ADJ
cblr-1712	863	15	circumstances	circumstance	NOUN
cblr-1712	863	16	.	.	PUNCT
cblr-1712	864	1	debt	debt	NOUN
cblr-1712	864	2	collectors	collector	NOUN
cblr-1712	864	3	are	be	AUX
cblr-1712	864	4	not	not	PART
cblr-1712	864	5	prohibited	prohibit	VERB
cblr-1712	864	6	from	from	ADP
cblr-1712	864	7	attempting	attempt	VERB
cblr-1712	864	8	to	to	PART
cblr-1712	864	9	collect	collect	VERB
cblr-1712	864	10	valid	valid	ADJ
cblr-1712	864	11	debts	debt	NOUN
cblr-1712	864	12	that	that	PRON
cblr-1712	864	13	are	be	AUX
cblr-1712	864	14	not	not	PART
cblr-1712	864	15	time	time	NOUN
cblr-1712	864	16	barred	bar	VERB
cblr-1712	864	17	,	,	PUNCT
cblr-1712	864	18	and	and	CCONJ
cblr-1712	864	19	debt	debt	NOUN
cblr-1712	864	20	owners	owner	NOUN
cblr-1712	864	21	and	and	CCONJ
cblr-1712	864	22	collectors	collector	NOUN
cblr-1712	864	23	are	be	AUX
cblr-1712	864	24	legally	legally	ADV
cblr-1712	864	25	permitted	permit	VERB
cblr-1712	864	26	to	to	PART
cblr-1712	864	27	and	and	CCONJ
cblr-1712	864	28	do	do	AUX
cblr-1712	864	29	bring	bring	VERB
cblr-1712	864	30	lawsuits	lawsuit	NOUN
cblr-1712	864	31	to	to	PART
cblr-1712	864	32	collect	collect	VERB
cblr-1712	864	33	on	on	ADP
cblr-1712	864	34	such	such	ADJ
cblr-1712	864	35	debts	debt	NOUN
cblr-1712	864	36	.	.	PUNCT
cblr-1712	865	1	consumers	consumer	NOUN
cblr-1712	865	2	do	do	AUX
cblr-1712	865	3	consent	consent	VERB
cblr-1712	865	4	to	to	ADP
cblr-1712	865	5	some	some	DET
cblr-1712	865	6	autodialed	autodiale	VERB
cblr-1712	865	7	calls	call	NOUN
cblr-1712	865	8	,	,	PUNCT
cblr-1712	865	9	as	as	ADP
cblr-1712	865	10	when	when	SCONJ
cblr-1712	865	11	an	an	DET
cblr-1712	865	12	insured	insured	NOUN
cblr-1712	865	13	gives	give	VERB
cblr-1712	865	14	her	her	PRON
cblr-1712	865	15	phone	phone	NOUN
cblr-1712	865	16	number	number	NOUN
cblr-1712	865	17	johnston	johnston	PROPN
cblr-1712	865	18	–	–	PUNCT
cblr-1712	865	19	final	final	ADJ
cblr-1712	865	20	74	74	NUM
cblr-1712	865	21	columbia	columbia	PROPN
cblr-1712	865	22	business	business	NOUN
cblr-1712	865	23	law	law	PROPN
cblr-1712	865	24	review	review	NOUN
cblr-1712	865	25	[	[	X
cblr-1712	865	26	vol	vol	NOUN
cblr-1712	865	27	.	.	NOUN
cblr-1712	865	28	2017	2017	NUM
cblr-1712	865	29	to	to	ADP
cblr-1712	865	30	her	her	PRON
cblr-1712	865	31	insurance	insurance	NOUN
cblr-1712	865	32	company	company	NOUN
cblr-1712	865	33	so	so	SCONJ
cblr-1712	865	34	as	as	SCONJ
cblr-1712	865	35	to	to	PART
cblr-1712	865	36	be	be	AUX
cblr-1712	865	37	alerted	alert	VERB
cblr-1712	865	38	to	to	ADP
cblr-1712	865	39	changes	change	NOUN
cblr-1712	865	40	in	in	ADP
cblr-1712	865	41	her	her	PRON
cblr-1712	865	42	health	health	NOUN
cblr-1712	865	43	insurance	insurance	NOUN
cblr-1712	865	44	plan	plan	NOUN
cblr-1712	865	45	,	,	PUNCT
cblr-1712	865	46	or	or	CCONJ
cblr-1712	865	47	a	a	DET
cblr-1712	865	48	patient	patient	NOUN
cblr-1712	865	49	gives	give	VERB
cblr-1712	865	50	her	her	PRON
cblr-1712	865	51	phone	phone	NOUN
cblr-1712	865	52	number	number	NOUN
cblr-1712	865	53	to	to	ADP
cblr-1712	865	54	her	her	PRON
cblr-1712	865	55	dentist	dentist	NOUN
cblr-1712	865	56	so	so	SCONJ
cblr-1712	865	57	as	as	SCONJ
cblr-1712	865	58	to	to	PART
cblr-1712	865	59	be	be	AUX
cblr-1712	865	60	alerted	alert	VERB
cblr-1712	865	61	that	that	SCONJ
cblr-1712	865	62	it	it	PRON
cblr-1712	865	63	is	be	AUX
cblr-1712	865	64	time	time	NOUN
cblr-1712	865	65	for	for	SCONJ
cblr-1712	865	66	her	her	PRON
cblr-1712	865	67	teeth	tooth	NOUN
cblr-1712	865	68	to	to	PART
cblr-1712	865	69	be	be	AUX
cblr-1712	865	70	cleaned	clean	VERB
cblr-1712	865	71	by	by	ADP
cblr-1712	865	72	a	a	DET
cblr-1712	865	73	hygienist	hygienist	NOUN
cblr-1712	865	74	.	.	PUNCT
cblr-1712	866	1	thus	thus	ADV
cblr-1712	866	2	,	,	PUNCT
cblr-1712	866	3	the	the	DET
cblr-1712	866	4	question	question	NOUN
cblr-1712	866	5	for	for	ADP
cblr-1712	866	6	class	class	NOUN
cblr-1712	866	7	-	-	PUNCT
cblr-1712	866	8	action	action	NOUN
cblr-1712	866	9	settlements	settlement	NOUN
cblr-1712	866	10	is	be	AUX
cblr-1712	866	11	whether	whether	SCONJ
cblr-1712	866	12	settlements	settlement	NOUN
cblr-1712	866	13	occur	occur	VERB
cblr-1712	866	14	when	when	SCONJ
cblr-1712	866	15	they	they	PRON
cblr-1712	866	16	should	should	AUX
cblr-1712	866	17	—	—	PUNCT
cblr-1712	866	18	when	when	SCONJ
cblr-1712	866	19	the	the	DET
cblr-1712	866	20	individual	individual	ADJ
cblr-1712	866	21	circumstances	circumstance	NOUN
cblr-1712	866	22	are	be	AUX
cblr-1712	866	23	such	such	ADJ
cblr-1712	866	24	that	that	SCONJ
cblr-1712	866	25	the	the	DET
cblr-1712	866	26	harm	harm	NOUN
cblr-1712	866	27	congress	congress	PROPN
cblr-1712	866	28	cared	care	VERB
cblr-1712	866	29	about	about	ADV
cblr-1712	866	30	actually	actually	ADV
cblr-1712	866	31	occurred	occur	VERB
cblr-1712	866	32	,	,	PUNCT
cblr-1712	866	33	so	so	SCONJ
cblr-1712	866	34	that	that	SCONJ
cblr-1712	866	35	settlements	settlement	NOUN
cblr-1712	866	36	may	may	AUX
cblr-1712	866	37	serve	serve	VERB
cblr-1712	866	38	a	a	DET
cblr-1712	866	39	valuable	valuable	ADJ
cblr-1712	866	40	deterrent	deterrent	NOUN
cblr-1712	866	41	function	function	NOUN
cblr-1712	866	42	—	—	PUNCT
cblr-1712	866	43	or	or	CCONJ
cblr-1712	866	44	instead	instead	ADV
cblr-1712	866	45	are	be	AUX
cblr-1712	866	46	random	random	ADJ
cblr-1712	866	47	,	,	PUNCT
cblr-1712	866	48	meaning	mean	VERB
cblr-1712	866	49	that	that	SCONJ
cblr-1712	866	50	they	they	PRON
cblr-1712	866	51	are	be	AUX
cblr-1712	866	52	as	as	ADV
cblr-1712	866	53	likely	likely	ADJ
cblr-1712	866	54	to	to	PART
cblr-1712	866	55	occur	occur	VERB
cblr-1712	866	56	when	when	SCONJ
cblr-1712	866	57	there	there	PRON
cblr-1712	866	58	is	be	VERB
cblr-1712	866	59	no	no	DET
cblr-1712	866	60	harm	harm	NOUN
cblr-1712	866	61	as	as	SCONJ
cblr-1712	866	62	when	when	SCONJ
cblr-1712	866	63	there	there	PRON
cblr-1712	866	64	is	be	VERB
cblr-1712	866	65	harm	harm	NOUN
cblr-1712	866	66	.	.	PUNCT
cblr-1712	867	1	cases	case	NOUN
cblr-1712	867	2	in	in	ADP
cblr-1712	867	3	the	the	DET
cblr-1712	867	4	illinois	illinois	PROPN
cblr-1712	867	5	data	datum	NOUN
cblr-1712	867	6	provide	provide	VERB
cblr-1712	867	7	reason	reason	NOUN
cblr-1712	867	8	for	for	ADP
cblr-1712	867	9	concern	concern	NOUN
cblr-1712	867	10	on	on	ADP
cblr-1712	867	11	this	this	DET
cblr-1712	867	12	score	score	NOUN
cblr-1712	867	13	.	.	PUNCT
cblr-1712	868	1	consider	consider	VERB
cblr-1712	868	2	the	the	DET
cblr-1712	868	3	tcpa	tcpa	NOUN
cblr-1712	868	4	class	class	NOUN
cblr-1712	868	5	settlements	settlement	NOUN
cblr-1712	868	6	.	.	PUNCT
cblr-1712	869	1	over	over	ADP
cblr-1712	869	2	the	the	DET
cblr-1712	869	3	period	period	NOUN
cblr-1712	869	4	2010–2012	2010–2012	NUM
cblr-1712	869	5	,	,	PUNCT
cblr-1712	869	6	tcpa	tcpa	NOUN
cblr-1712	869	7	class	class	NOUN
cblr-1712	869	8	settlements	settlement	NOUN
cblr-1712	869	9	generated	generate	VERB
cblr-1712	869	10	$	$	SYM
cblr-1712	869	11	188	188	NUM
cblr-1712	869	12	million	million	NUM
cblr-1712	869	13	in	in	ADP
cblr-1712	869	14	aggregate	aggregate	ADJ
cblr-1712	869	15	payouts	payout	NOUN
cblr-1712	869	16	.	.	PUNCT
cblr-1712	870	1	were	be	AUX
cblr-1712	870	2	one	one	NUM
cblr-1712	870	3	to	to	PART
cblr-1712	870	4	extrapolate	extrapolate	VERB
cblr-1712	870	5	from	from	ADP
cblr-1712	870	6	the	the	DET
cblr-1712	870	7	total	total	ADJ
cblr-1712	870	8	payout	payout	NOUN
cblr-1712	870	9	in	in	ADP
cblr-1712	870	10	tcpa	tcpa	NOUN
cblr-1712	870	11	class	class	NOUN
cblr-1712	870	12	settlements	settlement	NOUN
cblr-1712	870	13	in	in	ADP
cblr-1712	870	14	our	our	PRON
cblr-1712	870	15	sample	sample	NOUN
cblr-1712	870	16	to	to	ADP
cblr-1712	870	17	the	the	DET
cblr-1712	870	18	broader	broad	ADJ
cblr-1712	870	19	national	national	ADJ
cblr-1712	870	20	level	level	NOUN
cblr-1712	870	21	,	,	PUNCT
cblr-1712	870	22	if	if	SCONJ
cblr-1712	870	23	there	there	PRON
cblr-1712	870	24	are	be	VERB
cblr-1712	870	25	even	even	ADV
cblr-1712	870	26	ten	ten	NUM
cblr-1712	870	27	district	district	NOUN
cblr-1712	870	28	courts	court	NOUN
cblr-1712	870	29	with	with	ADP
cblr-1712	870	30	the	the	DET
cblr-1712	870	31	volume	volume	NOUN
cblr-1712	870	32	of	of	ADP
cblr-1712	870	33	consumer	consumer	NOUN
cblr-1712	870	34	class	class	NOUN
cblr-1712	870	35	actions	action	NOUN
cblr-1712	870	36	as	as	ADP
cblr-1712	870	37	the	the	DET
cblr-1712	870	38	northern	northern	ADJ
cblr-1712	870	39	district	district	NOUN
cblr-1712	870	40	,	,	PUNCT
cblr-1712	870	41	then	then	ADV
cblr-1712	870	42	nationally	nationally	ADV
cblr-1712	870	43	there	there	PRON
cblr-1712	870	44	would	would	AUX
cblr-1712	870	45	have	have	AUX
cblr-1712	870	46	been	be	AUX
cblr-1712	870	47	at	at	ADP
cblr-1712	870	48	least	least	ADV
cblr-1712	870	49	$	$	SYM
cblr-1712	870	50	1.9	1.9	NUM
cblr-1712	870	51	billion	billion	NUM
cblr-1712	870	52	in	in	ADP
cblr-1712	870	53	tcpa	tcpa	NOUN
cblr-1712	870	54	payouts	payout	NOUN
cblr-1712	870	55	over	over	ADP
cblr-1712	870	56	just	just	ADV
cblr-1712	870	57	a	a	DET
cblr-1712	870	58	three	three	NUM
cblr-1712	870	59	-	-	PUNCT
cblr-1712	870	60	year	year	NOUN
cblr-1712	870	61	period	period	NOUN
cblr-1712	870	62	.	.	PUNCT
cblr-1712	871	1	this	this	PRON
cblr-1712	871	2	is	be	AUX
cblr-1712	871	3	not	not	PART
cblr-1712	871	4	a	a	DET
cblr-1712	871	5	trivial	trivial	ADJ
cblr-1712	871	6	aggregate	aggregate	ADJ
cblr-1712	871	7	amount	amount	NOUN
cblr-1712	871	8	.	.	PUNCT
cblr-1712	872	1	the	the	DET
cblr-1712	872	2	non	non	ADJ
cblr-1712	872	3	-	-	ADJ
cblr-1712	872	4	trivial	trivial	ADJ
cblr-1712	872	5	payouts	payout	NOUN
cblr-1712	872	6	in	in	ADP
cblr-1712	872	7	tcpa	tcpa	NOUN
cblr-1712	872	8	cases	case	NOUN
cblr-1712	872	9	may	may	AUX
cblr-1712	872	10	well	well	ADV
cblr-1712	872	11	be	be	AUX
cblr-1712	872	12	justified	justify	VERB
cblr-1712	872	13	on	on	ADP
cblr-1712	872	14	deterrence	deterrence	NOUN
cblr-1712	872	15	grounds	ground	NOUN
cblr-1712	872	16	because	because	SCONJ
cblr-1712	872	17	,	,	PUNCT
cblr-1712	872	18	unlike	unlike	ADP
cblr-1712	872	19	the	the	DET
cblr-1712	872	20	fcra	fcra	NOUN
cblr-1712	872	21	expiration	expiration	NOUN
cblr-1712	872	22	date	date	NOUN
cblr-1712	872	23	cases	case	NOUN
cblr-1712	872	24	and	and	CCONJ
cblr-1712	872	25	fdcpa	fdcpa	NOUN
cblr-1712	872	26	and	and	CCONJ
cblr-1712	872	27	fcra	fcra	NOUN
cblr-1712	872	28	cases	case	NOUN
cblr-1712	872	29	alleging	allege	VERB
cblr-1712	872	30	a	a	DET
cblr-1712	872	31	failure	failure	NOUN
cblr-1712	872	32	to	to	PART
cblr-1712	872	33	comply	comply	VERB
cblr-1712	872	34	with	with	ADP
cblr-1712	872	35	formalities	formality	NOUN
cblr-1712	872	36	,	,	PUNCT
cblr-1712	872	37	a	a	DET
cblr-1712	872	38	typical	typical	ADJ
cblr-1712	872	39	tcpa	tcpa	NOUN
cblr-1712	872	40	classaction	classaction	NOUN
cblr-1712	872	41	filing	filing	NOUN
cblr-1712	872	42	alleges	allege	VERB
cblr-1712	872	43	the	the	DET
cblr-1712	872	44	defendant	defendant	NOUN
cblr-1712	872	45	engaged	engage	VERB
cblr-1712	872	46	in	in	ADP
cblr-1712	872	47	conduct	conduct	NOUN
cblr-1712	872	48	that	that	SCONJ
cblr-1712	872	49	congress	congress	PROPN
cblr-1712	872	50	specifically	specifically	ADV
cblr-1712	872	51	found	find	VERB
cblr-1712	872	52	to	to	PART
cblr-1712	872	53	be	be	AUX
cblr-1712	872	54	harmful	harmful	ADJ
cblr-1712	872	55	to	to	ADP
cblr-1712	872	56	consumers	consumer	NOUN
cblr-1712	872	57	.	.	PUNCT
cblr-1712	873	1	as	as	SCONJ
cblr-1712	873	2	the	the	DET
cblr-1712	873	3	ninth	ninth	ADJ
cblr-1712	873	4	circuit	circuit	NOUN
cblr-1712	873	5	explained	explain	VERB
cblr-1712	873	6	in	in	ADP
cblr-1712	873	7	satterfield	satterfield	PROPN
cblr-1712	873	8	v.	v.	PROPN
cblr-1712	873	9	simon	simon	PROPN
cblr-1712	873	10	&	&	CCONJ
cblr-1712	873	11	shuster	shuster	PROPN
cblr-1712	873	12	,	,	PUNCT
cblr-1712	873	13	congress	congress	PROPN
cblr-1712	873	14	passed	pass	VERB
cblr-1712	873	15	the	the	DET
cblr-1712	873	16	tcpa	tcpa	NOUN
cblr-1712	873	17	“	"	PUNCT
cblr-1712	873	18	in	in	ADP
cblr-1712	873	19	response	response	NOUN
cblr-1712	873	20	to	to	ADP
cblr-1712	873	21	an	an	DET
cblr-1712	873	22	increasing	increase	VERB
cblr-1712	873	23	number	number	NOUN
cblr-1712	873	24	of	of	ADP
cblr-1712	873	25	consumer	consumer	NOUN
cblr-1712	873	26	complaints	complaint	NOUN
cblr-1712	873	27	arising	arise	VERB
cblr-1712	873	28	from	from	ADP
cblr-1712	873	29	the	the	DET
cblr-1712	873	30	increased	increase	VERB
cblr-1712	873	31	number	number	NOUN
cblr-1712	873	32	of	of	ADP
cblr-1712	873	33	telemarketing	telemarketing	NOUN
cblr-1712	873	34	calls	call	NOUN
cblr-1712	873	35	.	.	PUNCT
cblr-1712	874	1	”156	”156	NUM
cblr-1712	874	2	consumers	consumer	NOUN
cblr-1712	874	3	“	"	PUNCT
cblr-1712	874	4	complained	complain	VERB
cblr-1712	874	5	that	that	SCONJ
cblr-1712	874	6	such	such	ADJ
cblr-1712	874	7	calls	call	NOUN
cblr-1712	874	8	are	be	AUX
cblr-1712	874	9	a	a	DET
cblr-1712	874	10	‘	'	PUNCT
cblr-1712	874	11	nuisance	nuisance	NOUN
cblr-1712	874	12	and	and	CCONJ
cblr-1712	874	13	an	an	DET
cblr-1712	874	14	invasion	invasion	NOUN
cblr-1712	874	15	of	of	ADP
cblr-1712	874	16	privacy	privacy	NOUN
cblr-1712	874	17	.	.	PUNCT
cblr-1712	875	1	’”157	’”157	PROPN
cblr-1712	875	2	the	the	DET
cblr-1712	875	3	tcpa	tcpa	NOUN
cblr-1712	875	4	’s	’s	PART
cblr-1712	875	5	goal	goal	NOUN
cblr-1712	875	6	was	be	AUX
cblr-1712	875	7	to	to	PART
cblr-1712	875	8	“	"	PUNCT
cblr-1712	875	9	protect	protect	VERB
cblr-1712	875	10	the	the	DET
cblr-1712	875	11	privacy	privacy	NOUN
cblr-1712	875	12	interests	interest	NOUN
cblr-1712	875	13	of	of	ADP
cblr-1712	875	14	residential	residential	ADJ
cblr-1712	875	15	telephone	telephone	NOUN
cblr-1712	875	16	subscribers	subscriber	NOUN
cblr-1712	875	17	by	by	ADP
cblr-1712	875	18	placing	place	VERB
cblr-1712	875	19	restrictions	restriction	NOUN
cblr-1712	875	20	on	on	ADP
cblr-1712	875	21	unsolicited	unsolicited	ADJ
cblr-1712	875	22	,	,	PUNCT
cblr-1712	875	23	automated	automate	VERB
cblr-1712	875	24	telephone	telephone	NOUN
cblr-1712	875	25	calls	call	NOUN
cblr-1712	875	26	to	to	ADP
cblr-1712	875	27	the	the	DET
cblr-1712	875	28	home	home	NOUN
cblr-1712	875	29	and	and	CCONJ
cblr-1712	875	30	to	to	PART
cblr-1712	875	31	facilitate	facilitate	VERB
cblr-1712	875	32	inter	inter	ADJ
cblr-1712	875	33	-	-	ADJ
cblr-1712	875	34	state	state	ADJ
cblr-1712	875	35	commerce	commerce	NOUN
cblr-1712	875	36	by	by	ADP
cblr-1712	875	37	restricting	restrict	VERB
cblr-1712	875	38	156	156	NUM
cblr-1712	875	39	satterfield	satterfield	NOUN
cblr-1712	875	40	v.	v.	ADP
cblr-1712	875	41	simon	simon	PROPN
cblr-1712	875	42	&	&	CCONJ
cblr-1712	875	43	schuster	schuster	PROPN
cblr-1712	875	44	,	,	PUNCT
cblr-1712	875	45	inc	inc	PROPN
cblr-1712	875	46	.	.	PROPN
cblr-1712	875	47	,	,	PUNCT
cblr-1712	875	48	569	569	NUM
cblr-1712	875	49	f.3d	f.3d	NUM
cblr-1712	875	50	946	946	NUM
cblr-1712	875	51	,	,	PUNCT
cblr-1712	875	52	954	954	NUM
cblr-1712	875	53	(	(	PUNCT
cblr-1712	875	54	9th	9th	ADJ
cblr-1712	875	55	cir	cir	NOUN
cblr-1712	875	56	.	.	PUNCT
cblr-1712	875	57	2009	2009	NUM
cblr-1712	875	58	)	)	PUNCT
cblr-1712	875	59	.	.	PUNCT
cblr-1712	876	1	157	157	NUM
cblr-1712	876	2	i	i	PROPN
cblr-1712	876	3	d.	d.	PROPN
cblr-1712	876	4	johnston	johnston	PROPN
cblr-1712	876	5	–	–	PUNCT
cblr-1712	876	6	final	final	ADJ
cblr-1712	876	7	no	no	NOUN
cblr-1712	876	8	.	.	NOUN
cblr-1712	876	9	1:1	1:1	NUM
cblr-1712	876	10	]	]	X
cblr-1712	876	11	high	high	ADJ
cblr-1712	876	12	cost	cost	NOUN
cblr-1712	876	13	,	,	PUNCT
cblr-1712	876	14	little	little	ADJ
cblr-1712	876	15	compensation	compensation	NOUN
cblr-1712	876	16	75	75	NUM
cblr-1712	876	17	certain	certain	ADJ
cblr-1712	876	18	uses	use	NOUN
cblr-1712	876	19	of	of	ADP
cblr-1712	876	20	facsimile	facsimile	ADJ
cblr-1712	876	21	machines	machine	NOUN
cblr-1712	876	22	and	and	CCONJ
cblr-1712	876	23	automatic	automatic	ADJ
cblr-1712	876	24	dialers	dialer	NOUN
cblr-1712	876	25	.	.	PUNCT
cblr-1712	877	1	”158	”158	PUNCT
cblr-1712	878	1	with	with	ADP
cblr-1712	878	2	the	the	DET
cblr-1712	878	3	obvious	obvious	ADJ
cblr-1712	878	4	difficulty	difficulty	NOUN
cblr-1712	878	5	of	of	ADP
cblr-1712	878	6	precisely	precisely	ADV
cblr-1712	878	7	valuing	value	VERB
cblr-1712	878	8	the	the	DET
cblr-1712	878	9	cost	cost	NOUN
cblr-1712	878	10	of	of	ADP
cblr-1712	878	11	such	such	ADJ
cblr-1712	878	12	privacy	privacy	NOUN
cblr-1712	878	13	invasions	invasion	NOUN
cblr-1712	878	14	,	,	PUNCT
cblr-1712	878	15	the	the	DET
cblr-1712	878	16	tcpa	tcpa	NOUN
cblr-1712	878	17	’s	’s	PART
cblr-1712	878	18	$	$	SYM
cblr-1712	878	19	500	500	NUM
cblr-1712	878	20	statutory	statutory	ADJ
cblr-1712	878	21	damage	damage	NOUN
cblr-1712	878	22	provision	provision	NOUN
cblr-1712	878	23	—	—	PUNCT
cblr-1712	878	24	rising	rise	VERB
cblr-1712	878	25	to	to	ADP
cblr-1712	878	26	$	$	SYM
cblr-1712	878	27	1500	1500	NUM
cblr-1712	878	28	for	for	ADP
cblr-1712	878	29	willful	willful	ADJ
cblr-1712	878	30	violations	violation	NOUN
cblr-1712	878	31	—	—	PUNCT
cblr-1712	878	32	can	can	AUX
cblr-1712	878	33	be	be	AUX
cblr-1712	878	34	justified	justify	VERB
cblr-1712	878	35	as	as	ADP
cblr-1712	878	36	a	a	DET
cblr-1712	878	37	way	way	NOUN
cblr-1712	878	38	to	to	PART
cblr-1712	878	39	deter	deter	VERB
cblr-1712	878	40	privacy	privacy	NOUN
cblr-1712	878	41	invasions	invasion	NOUN
cblr-1712	878	42	without	without	ADP
cblr-1712	878	43	getting	getting	AUX
cblr-1712	878	44	bogged	bogge	VERB
cblr-1712	878	45	down	down	ADP
cblr-1712	878	46	in	in	ADP
cblr-1712	878	47	a	a	DET
cblr-1712	878	48	likely	likely	ADJ
cblr-1712	878	49	fruitless	fruitless	ADJ
cblr-1712	878	50	attempt	attempt	NOUN
cblr-1712	878	51	to	to	PART
cblr-1712	878	52	precisely	precisely	ADV
cblr-1712	878	53	value	value	VERB
cblr-1712	878	54	the	the	DET
cblr-1712	878	55	harm	harm	NOUN
cblr-1712	878	56	they	they	PRON
cblr-1712	878	57	cause	cause	VERB
cblr-1712	878	58	.	.	PUNCT
cblr-1712	879	1	as	as	ADP
cblr-1712	879	2	the	the	DET
cblr-1712	879	3	harm	harm	NOUN
cblr-1712	879	4	caused	cause	VERB
cblr-1712	879	5	by	by	ADP
cblr-1712	879	6	an	an	DET
cblr-1712	879	7	autodialed	autodiale	VERB
cblr-1712	879	8	cellphone	cellphone	NOUN
cblr-1712	879	9	call	call	NOUN
cblr-1712	879	10	or	or	CCONJ
cblr-1712	879	11	text	text	NOUN
cblr-1712	879	12	—	—	PUNCT
cblr-1712	879	13	namely	namely	ADV
cblr-1712	879	14	,	,	PUNCT
cblr-1712	879	15	an	an	DET
cblr-1712	879	16	invasion	invasion	NOUN
cblr-1712	879	17	of	of	ADP
cblr-1712	879	18	privacy	privacy	NOUN
cblr-1712	879	19	and	and	CCONJ
cblr-1712	879	20	annoyance	annoyance	NOUN
cblr-1712	879	21	—	—	PUNCT
cblr-1712	879	22	itself	itself	PRON
cblr-1712	879	23	depends	depend	VERB
cblr-1712	879	24	on	on	ADP
cblr-1712	879	25	the	the	DET
cblr-1712	879	26	communication	communication	NOUN
cblr-1712	879	27	being	be	AUX
cblr-1712	879	28	unwanted	unwanted	ADJ
cblr-1712	879	29	by	by	ADP
cblr-1712	879	30	the	the	DET
cblr-1712	879	31	consumer	consumer	NOUN
cblr-1712	879	32	,	,	PUNCT
cblr-1712	879	33	the	the	DET
cblr-1712	879	34	tcpa	tcpa	NOUN
cblr-1712	879	35	allows	allow	VERB
cblr-1712	879	36	autodialed	autodiale	VERB
cblr-1712	879	37	calls	call	NOUN
cblr-1712	879	38	that	that	PRON
cblr-1712	879	39	are	be	AUX
cblr-1712	879	40	made	make	VERB
cblr-1712	879	41	with	with	ADP
cblr-1712	879	42	the	the	DET
cblr-1712	879	43	“	"	PUNCT
cblr-1712	879	44	express	express	ADJ
cblr-1712	879	45	consent	consent	NOUN
cblr-1712	879	46	”	"	PUNCT
cblr-1712	879	47	of	of	ADP
cblr-1712	879	48	the	the	DET
cblr-1712	879	49	“	"	PUNCT
cblr-1712	879	50	called	call	VERB
cblr-1712	879	51	party	party	NOUN
cblr-1712	879	52	”	"	PUNCT
cblr-1712	879	53	and	and	CCONJ
cblr-1712	879	54	also	also	ADV
cblr-1712	879	55	allows	allow	VERB
cblr-1712	879	56	fax	fax	NOUN
cblr-1712	879	57	advertisements	advertisement	NOUN
cblr-1712	879	58	from	from	ADP
cblr-1712	879	59	senders	sender	NOUN
cblr-1712	879	60	with	with	ADP
cblr-1712	879	61	an	an	DET
cblr-1712	879	62	“	"	PUNCT
cblr-1712	879	63	established	establish	VERB
cblr-1712	879	64	business	business	NOUN
cblr-1712	879	65	relationship	relationship	NOUN
cblr-1712	879	66	”	"	PUNCT
cblr-1712	879	67	to	to	ADP
cblr-1712	879	68	recipients	recipient	NOUN
cblr-1712	879	69	who	who	PRON
cblr-1712	879	70	have	have	AUX
cblr-1712	879	71	“	"	PUNCT
cblr-1712	879	72	voluntarily	voluntarily	ADV
cblr-1712	879	73	”	"	PUNCT
cblr-1712	879	74	communicated	communicate	VERB
cblr-1712	879	75	or	or	CCONJ
cblr-1712	879	76	made	make	VERB
cblr-1712	879	77	available	available	ADJ
cblr-1712	879	78	to	to	ADP
cblr-1712	879	79	the	the	DET
cblr-1712	879	80	sender	sender	NOUN
cblr-1712	879	81	their	their	PRON
cblr-1712	879	82	fax	fax	NOUN
cblr-1712	879	83	number.159	number.159	NUM
cblr-1712	879	84	thus	thus	ADV
cblr-1712	879	85	,	,	PUNCT
cblr-1712	879	86	the	the	DET
cblr-1712	879	87	tcpa	tcpa	NOUN
cblr-1712	879	88	explicitly	explicitly	ADV
cblr-1712	879	89	recognizes	recognize	VERB
cblr-1712	879	90	that	that	SCONJ
cblr-1712	879	91	sometimes	sometimes	ADV
cblr-1712	879	92	consumers	consumer	NOUN
cblr-1712	879	93	may	may	AUX
cblr-1712	879	94	actually	actually	ADV
cblr-1712	879	95	want	want	VERB
cblr-1712	879	96	to	to	PART
cblr-1712	879	97	receive	receive	VERB
cblr-1712	879	98	certain	certain	ADJ
cblr-1712	879	99	autodialed	autodiale	VERB
cblr-1712	879	100	calls	call	NOUN
cblr-1712	879	101	or	or	CCONJ
cblr-1712	879	102	fax	fax	NOUN
cblr-1712	879	103	advertisements	advertisement	NOUN
cblr-1712	879	104	.	.	PUNCT
cblr-1712	880	1	in	in	ADP
cblr-1712	880	2	these	these	DET
cblr-1712	880	3	cases	case	NOUN
cblr-1712	880	4	,	,	PUNCT
cblr-1712	880	5	there	there	PRON
cblr-1712	880	6	is	be	VERB
cblr-1712	880	7	,	,	PUNCT
cblr-1712	880	8	almost	almost	ADV
cblr-1712	880	9	tautologically	tautologically	ADV
cblr-1712	880	10	,	,	PUNCT
cblr-1712	880	11	no	no	DET
cblr-1712	880	12	harm	harm	NOUN
cblr-1712	880	13	to	to	ADP
cblr-1712	880	14	the	the	DET
cblr-1712	880	15	consumer	consumer	NOUN
cblr-1712	880	16	in	in	ADP
cblr-1712	880	17	receiving	receive	VERB
cblr-1712	880	18	something	something	PRON
cblr-1712	880	19	that	that	PRON
cblr-1712	880	20	she	she	PRON
cblr-1712	880	21	has	have	AUX
cblr-1712	880	22	explicitly	explicitly	ADV
cblr-1712	880	23	authorized	authorize	VERB
cblr-1712	880	24	(	(	PUNCT
cblr-1712	880	25	in	in	ADP
cblr-1712	880	26	the	the	DET
cblr-1712	880	27	case	case	NOUN
cblr-1712	880	28	of	of	ADP
cblr-1712	880	29	calls	call	NOUN
cblr-1712	880	30	)	)	PUNCT
cblr-1712	880	31	or	or	CCONJ
cblr-1712	880	32	might	might	AUX
cblr-1712	880	33	well	well	ADV
cblr-1712	880	34	expect	expect	VERB
cblr-1712	880	35	(	(	PUNCT
cblr-1712	880	36	in	in	ADP
cblr-1712	880	37	the	the	DET
cblr-1712	880	38	case	case	NOUN
cblr-1712	880	39	of	of	ADP
cblr-1712	880	40	faxes	fax	NOUN
cblr-1712	880	41	)	)	PUNCT
cblr-1712	880	42	.	.	PUNCT
cblr-1712	881	1	inasmuch	inasmuch	ADJ
cblr-1712	881	2	as	as	SCONJ
cblr-1712	881	3	the	the	DET
cblr-1712	881	4	harm	harm	NOUN
cblr-1712	881	5	from	from	ADP
cblr-1712	881	6	a	a	DET
cblr-1712	881	7	tcpa	tcpa	NOUN
cblr-1712	881	8	violation	violation	NOUN
cblr-1712	881	9	depends	depend	VERB
cblr-1712	881	10	upon	upon	SCONJ
cblr-1712	881	11	whether	whether	SCONJ
cblr-1712	881	12	a	a	DET
cblr-1712	881	13	particular	particular	ADJ
cblr-1712	881	14	consumer	consumer	NOUN
cblr-1712	881	15	consented	consent	VERB
cblr-1712	881	16	to	to	ADP
cblr-1712	881	17	the	the	DET
cblr-1712	881	18	communication	communication	NOUN
cblr-1712	881	19	or	or	CCONJ
cblr-1712	881	20	had	have	VERB
cblr-1712	881	21	an	an	DET
cblr-1712	881	22	ongoing	ongoing	ADJ
cblr-1712	881	23	business	business	NOUN
cblr-1712	881	24	relationship	relationship	NOUN
cblr-1712	881	25	with	with	ADP
cblr-1712	881	26	the	the	DET
cblr-1712	881	27	defendant	defendant	NOUN
cblr-1712	881	28	,	,	PUNCT
cblr-1712	881	29	one	one	PRON
cblr-1712	881	30	might	might	AUX
cblr-1712	881	31	argue	argue	VERB
cblr-1712	881	32	that	that	SCONJ
cblr-1712	881	33	a	a	DET
cblr-1712	881	34	class	class	NOUN
cblr-1712	881	35	action	action	NOUN
cblr-1712	881	36	is	be	AUX
cblr-1712	881	37	not	not	PART
cblr-1712	881	38	an	an	DET
cblr-1712	881	39	appropriate	appropriate	ADJ
cblr-1712	881	40	way	way	NOUN
cblr-1712	881	41	to	to	PART
cblr-1712	881	42	adjudicate	adjudicate	VERB
cblr-1712	881	43	alleged	alleged	ADJ
cblr-1712	881	44	tcpa	tcpa	NOUN
cblr-1712	881	45	violations	violation	NOUN
cblr-1712	881	46	.	.	PUNCT
cblr-1712	882	1	158	158	NUM
cblr-1712	883	1	i	i	PRON
cblr-1712	883	2	d.	d.	PROPN
cblr-1712	883	3	(	(	PUNCT
cblr-1712	883	4	citing	cite	VERB
cblr-1712	883	5	s.	s.	PROPN
cblr-1712	883	6	rep	rep	PROPN
cblr-1712	883	7	.	.	PROPN
cblr-1712	884	1	no	no	INTJ
cblr-1712	884	2	.	.	NOUN
cblr-1712	885	1	102	102	NUM
cblr-1712	885	2	-	-	SYM
cblr-1712	885	3	178	178	NUM
cblr-1712	885	4	,	,	PUNCT
cblr-1712	885	5	at	at	ADP
cblr-1712	885	6	1	1	NUM
cblr-1712	885	7	(	(	PUNCT
cblr-1712	885	8	1991	1991	NUM
cblr-1712	885	9	)	)	PUNCT
cblr-1712	885	10	,	,	PUNCT
cblr-1712	885	11	as	as	SCONJ
cblr-1712	885	12	reprinted	reprint	VERB
cblr-1712	885	13	in	in	ADP
cblr-1712	885	14	1991	1991	NUM
cblr-1712	885	15	u.s.c.c.a.n	u.s.c.c.a.n	PROPN
cblr-1712	885	16	.	.	PUNCT
cblr-1712	886	1	1968	1968	NUM
cblr-1712	886	2	,	,	PUNCT
cblr-1712	886	3	1968	1968	NUM
cblr-1712	886	4	.	.	PUNCT
cblr-1712	886	5	)	)	PUNCT
cblr-1712	886	6	.	.	PUNCT
cblr-1712	887	1	159	159	NUM
cblr-1712	887	2	more	more	ADV
cblr-1712	887	3	specifically	specifically	ADV
cblr-1712	887	4	,	,	PUNCT
cblr-1712	887	5	§	§	PROPN
cblr-1712	887	6	§	§	PROPN
cblr-1712	887	7	227(b)(1)(a	227(b)(1)(a	NUM
cblr-1712	887	8	)	)	PUNCT
cblr-1712	887	9	and	and	CCONJ
cblr-1712	887	10	(	(	PUNCT
cblr-1712	887	11	b	b	X
cblr-1712	887	12	)	)	PUNCT
cblr-1712	887	13	allow	allow	VERB
cblr-1712	887	14	autodialed	autodiale	VERB
cblr-1712	887	15	phone	phone	NOUN
cblr-1712	887	16	calls	call	NOUN
cblr-1712	887	17	made	make	VERB
cblr-1712	887	18	with	with	ADP
cblr-1712	887	19	“	"	PUNCT
cblr-1712	887	20	express	express	ADJ
cblr-1712	887	21	consent	consent	NOUN
cblr-1712	887	22	”	"	PUNCT
cblr-1712	887	23	from	from	ADP
cblr-1712	887	24	the	the	DET
cblr-1712	887	25	recipient	recipient	NOUN
cblr-1712	887	26	,	,	PUNCT
cblr-1712	887	27	and	and	CCONJ
cblr-1712	887	28	§	§	PROPN
cblr-1712	887	29	227(b)(1)(c	227(b)(1)(c	NUM
cblr-1712	887	30	)	)	PUNCT
cblr-1712	887	31	permits	permit	VERB
cblr-1712	887	32	unsolicited	unsolicited	ADJ
cblr-1712	887	33	fax	fax	NOUN
cblr-1712	887	34	advertisements	advertisement	NOUN
cblr-1712	887	35	from	from	ADP
cblr-1712	887	36	:	:	PUNCT
cblr-1712	887	37	a	a	DET
cblr-1712	887	38	sender	sender	NOUN
cblr-1712	887	39	with	with	ADP
cblr-1712	887	40	an	an	DET
cblr-1712	887	41	established	establish	VERB
cblr-1712	887	42	business	business	NOUN
cblr-1712	887	43	relationship	relationship	NOUN
cblr-1712	887	44	with	with	ADP
cblr-1712	887	45	the	the	DET
cblr-1712	887	46	recipient	recipient	NOUN
cblr-1712	887	47	”	"	PUNCT
cblr-1712	887	48	where	where	SCONJ
cblr-1712	887	49	“	"	PUNCT
cblr-1712	887	50	(	(	PUNCT
cblr-1712	887	51	ii	ii	NOUN
cblr-1712	887	52	)	)	PUNCT
cblr-1712	887	53	the	the	DET
cblr-1712	887	54	sender	sender	NOUN
cblr-1712	887	55	obtained	obtain	VERB
cblr-1712	887	56	the	the	DET
cblr-1712	887	57	number	number	NOUN
cblr-1712	887	58	of	of	ADP
cblr-1712	887	59	the	the	DET
cblr-1712	887	60	telephone	telephone	NOUN
cblr-1712	887	61	facsimile	facsimile	ADJ
cblr-1712	887	62	machine	machine	NOUN
cblr-1712	887	63	through—(i	through—(i	NOUN
cblr-1712	887	64	)	)	PUNCT
cblr-1712	887	65	the	the	DET
cblr-1712	887	66	voluntary	voluntary	ADJ
cblr-1712	887	67	communication	communication	NOUN
cblr-1712	887	68	of	of	ADP
cblr-1712	887	69	such	such	ADJ
cblr-1712	887	70	number	number	NOUN
cblr-1712	887	71	,	,	PUNCT
cblr-1712	887	72	within	within	ADP
cblr-1712	887	73	the	the	DET
cblr-1712	887	74	context	context	NOUN
cblr-1712	887	75	of	of	ADP
cblr-1712	887	76	such	such	ADJ
cblr-1712	887	77	established	establish	VERB
cblr-1712	887	78	business	business	NOUN
cblr-1712	887	79	relationship	relationship	NOUN
cblr-1712	887	80	,	,	PUNCT
cblr-1712	887	81	from	from	ADP
cblr-1712	887	82	the	the	DET
cblr-1712	887	83	recipient	recipient	NOUN
cblr-1712	887	84	of	of	ADP
cblr-1712	887	85	the	the	DET
cblr-1712	887	86	unsolicited	unsolicited	ADJ
cblr-1712	887	87	advertisement	advertisement	NOUN
cblr-1712	887	88	,	,	PUNCT
cblr-1712	887	89	or	or	CCONJ
cblr-1712	887	90	(	(	PUNCT
cblr-1712	887	91	ii	ii	NOUN
cblr-1712	887	92	)	)	PUNCT
cblr-1712	887	93	a	a	DET
cblr-1712	887	94	directory	directory	NOUN
cblr-1712	887	95	,	,	PUNCT
cblr-1712	887	96	advertisement	advertisement	NOUN
cblr-1712	887	97	,	,	PUNCT
cblr-1712	887	98	or	or	CCONJ
cblr-1712	887	99	site	site	NOUN
cblr-1712	887	100	on	on	ADP
cblr-1712	887	101	the	the	DET
cblr-1712	887	102	internet	internet	NOUN
cblr-1712	887	103	to	to	PART
cblr-1712	887	104	which	which	PRON
cblr-1712	887	105	the	the	DET
cblr-1712	887	106	recipient	recipient	NOUN
cblr-1712	887	107	voluntarily	voluntarily	ADV
cblr-1712	887	108	agreed	agree	VERB
cblr-1712	887	109	to	to	PART
cblr-1712	887	110	make	make	VERB
cblr-1712	887	111	available	available	ADJ
cblr-1712	887	112	its	its	PRON
cblr-1712	887	113	facsimile	facsimile	ADJ
cblr-1712	887	114	number	number	NOUN
cblr-1712	887	115	for	for	ADP
cblr-1712	887	116	public	public	ADJ
cblr-1712	887	117	distribution	distribution	NOUN
cblr-1712	887	118	.	.	PUNCT
cblr-1712	888	1	47	47	NUM
cblr-1712	888	2	u.s.c	u.s.c	ADJ
cblr-1712	888	3	.	.	PUNCT
cblr-1712	889	1	§	§	PROPN
cblr-1712	889	2	227(b	227(b	PROPN
cblr-1712	889	3	)	)	PUNCT
cblr-1712	889	4	(	(	PUNCT
cblr-1712	889	5	2012	2012	NUM
cblr-1712	889	6	)	)	PUNCT
cblr-1712	889	7	.	.	PUNCT
cblr-1712	890	1	johnston	johnston	PROPN
cblr-1712	890	2	–	–	PUNCT
cblr-1712	890	3	final	final	ADJ
cblr-1712	890	4	76	76	NUM
cblr-1712	890	5	columbia	columbia	PROPN
cblr-1712	890	6	business	business	NOUN
cblr-1712	890	7	law	law	PROPN
cblr-1712	890	8	review	review	NOUN
cblr-1712	890	9	[	[	X
cblr-1712	890	10	vol	vol	NOUN
cblr-1712	890	11	.	.	NOUN
cblr-1712	890	12	2017	2017	NUM
cblr-1712	890	13	under	under	ADP
cblr-1712	890	14	frcp	frcp	NOUN
cblr-1712	890	15	23(b	23(b	NUM
cblr-1712	890	16	)	)	PUNCT
cblr-1712	890	17	,	,	PUNCT
cblr-1712	890	18	a	a	DET
cblr-1712	890	19	court	court	NOUN
cblr-1712	890	20	is	be	AUX
cblr-1712	890	21	to	to	PART
cblr-1712	890	22	certify	certify	VERB
cblr-1712	890	23	a	a	DET
cblr-1712	890	24	class	class	NOUN
cblr-1712	890	25	action	action	NOUN
cblr-1712	890	26	seeking	seek	VERB
cblr-1712	890	27	individual	individual	ADJ
cblr-1712	890	28	damages	damage	NOUN
cblr-1712	890	29	only	only	ADV
cblr-1712	890	30	if	if	SCONJ
cblr-1712	890	31	it	it	PRON
cblr-1712	890	32	finds	find	VERB
cblr-1712	890	33	that	that	SCONJ
cblr-1712	890	34	“	"	PUNCT
cblr-1712	890	35	questions	question	NOUN
cblr-1712	890	36	of	of	ADP
cblr-1712	890	37	law	law	NOUN
cblr-1712	890	38	or	or	CCONJ
cblr-1712	890	39	fact	fact	NOUN
cblr-1712	890	40	common	common	ADJ
cblr-1712	890	41	to	to	ADP
cblr-1712	890	42	class	class	NOUN
cblr-1712	890	43	members	member	NOUN
cblr-1712	890	44	predominate	predominate	ADJ
cblr-1712	890	45	over	over	ADP
cblr-1712	890	46	any	any	DET
cblr-1712	890	47	questions	question	NOUN
cblr-1712	890	48	affecting	affect	VERB
cblr-1712	890	49	only	only	ADJ
cblr-1712	890	50	individual	individual	ADJ
cblr-1712	890	51	members	member	NOUN
cblr-1712	890	52	.	.	PUNCT
cblr-1712	890	53	”160	”160	PROPN
cblr-1712	890	54	however	however	ADV
cblr-1712	890	55	,	,	PUNCT
cblr-1712	890	56	whether	whether	SCONJ
cblr-1712	890	57	the	the	DET
cblr-1712	890	58	plaintiff	plaintiff	NOUN
cblr-1712	890	59	in	in	ADP
cblr-1712	890	60	a	a	DET
cblr-1712	890	61	tcpa	tcpa	NOUN
cblr-1712	890	62	action	action	NOUN
cblr-1712	890	63	expressly	expressly	ADV
cblr-1712	890	64	consented	consent	VERB
cblr-1712	890	65	to	to	PART
cblr-1712	890	66	be	be	AUX
cblr-1712	890	67	called	call	VERB
cblr-1712	890	68	involves	involve	VERB
cblr-1712	890	69	an	an	DET
cblr-1712	890	70	individualized	individualized	ADJ
cblr-1712	890	71	,	,	PUNCT
cblr-1712	890	72	fact	fact	NOUN
cblr-1712	890	73	-	-	PUNCT
cblr-1712	890	74	specific	specific	ADJ
cblr-1712	890	75	inquiry	inquiry	NOUN
cblr-1712	890	76	,	,	PUNCT
cblr-1712	890	77	making	make	VERB
cblr-1712	890	78	class	class	NOUN
cblr-1712	890	79	certification	certification	NOUN
cblr-1712	890	80	for	for	ADP
cblr-1712	890	81	such	such	ADJ
cblr-1712	890	82	actions	action	NOUN
cblr-1712	890	83	inappropriate	inappropriate	VERB
cblr-1712	890	84	under	under	ADP
cblr-1712	890	85	frcp	frcp	NOUN
cblr-1712	890	86	23	23	NUM
cblr-1712	890	87	.	.	PUNCT
cblr-1712	891	1	three	three	NUM
cblr-1712	891	2	cases	case	NOUN
cblr-1712	891	3	in	in	ADP
cblr-1712	891	4	the	the	DET
cblr-1712	891	5	illinois	illinois	PROPN
cblr-1712	891	6	data	datum	NOUN
cblr-1712	891	7	contain	contain	VERB
cblr-1712	891	8	evidence	evidence	NOUN
cblr-1712	891	9	that	that	SCONJ
cblr-1712	891	10	the	the	DET
cblr-1712	891	11	defendant	defendant	NOUN
cblr-1712	891	12	made	make	VERB
cblr-1712	891	13	this	this	PRON
cblr-1712	891	14	argument.161	argument.161	NOUN
cblr-1712	891	15	in	in	ADP
cblr-1712	891	16	one	one	NUM
cblr-1712	891	17	case	case	NOUN
cblr-1712	891	18	,	,	PUNCT
cblr-1712	891	19	class	class	NOUN
cblr-1712	891	20	counsel	counsel	NOUN
cblr-1712	891	21	overcame	overcome	VERB
cblr-1712	891	22	this	this	DET
cblr-1712	891	23	argument	argument	NOUN
cblr-1712	891	24	simply	simply	ADV
cblr-1712	891	25	by	by	ADP
cblr-1712	891	26	defining	define	VERB
cblr-1712	891	27	the	the	DET
cblr-1712	891	28	class	class	NOUN
cblr-1712	891	29	to	to	PART
cblr-1712	891	30	be	be	AUX
cblr-1712	891	31	all	all	DET
cblr-1712	891	32	those	those	DET
cblr-1712	891	33	consumers	consumer	NOUN
cblr-1712	891	34	who	who	PRON
cblr-1712	891	35	received	receive	VERB
cblr-1712	891	36	the	the	DET
cblr-1712	891	37	allegedly	allegedly	ADV
cblr-1712	891	38	unlawful	unlawful	ADJ
cblr-1712	891	39	communication	communication	NOUN
cblr-1712	891	40	without	without	ADP
cblr-1712	891	41	consent	consent	NOUN
cblr-1712	891	42	.	.	PUNCT
cblr-1712	892	1	however	however	ADV
cblr-1712	892	2	,	,	PUNCT
cblr-1712	892	3	in	in	ADP
cblr-1712	892	4	a	a	DET
cblr-1712	892	5	thoughtful	thoughtful	ADJ
cblr-1712	892	6	opinion	opinion	NOUN
cblr-1712	892	7	,	,	PUNCT
cblr-1712	892	8	judge	judge	PROPN
cblr-1712	892	9	kendall	kendall	PROPN
cblr-1712	892	10	found	find	VERB
cblr-1712	892	11	that	that	SCONJ
cblr-1712	892	12	decisions	decision	NOUN
cblr-1712	892	13	from	from	ADP
cblr-1712	892	14	around	around	ADP
cblr-1712	892	15	the	the	DET
cblr-1712	892	16	country	country	NOUN
cblr-1712	892	17	on	on	ADP
cblr-1712	892	18	this	this	DET
cblr-1712	892	19	issue	issue	NOUN
cblr-1712	892	20	had	have	AUX
cblr-1712	892	21	generated	generate	VERB
cblr-1712	892	22	a	a	DET
cblr-1712	892	23	rule	rule	NOUN
cblr-1712	892	24	that	that	SCONJ
cblr-1712	892	25	“	"	PUNCT
cblr-1712	892	26	when	when	SCONJ
cblr-1712	892	27	a	a	DET
cblr-1712	892	28	defendant	defendant	NOUN
cblr-1712	892	29	sets	set	VERB
cblr-1712	892	30	forth	forth	ADP
cblr-1712	892	31	specific	specific	ADJ
cblr-1712	892	32	evidence	evidence	NOUN
cblr-1712	892	33	showing	show	VERB
cblr-1712	892	34	that	that	SCONJ
cblr-1712	892	35	a	a	DET
cblr-1712	892	36	significant	significant	ADJ
cblr-1712	892	37	percentage	percentage	NOUN
cblr-1712	892	38	of	of	ADP
cblr-1712	892	39	the	the	DET
cblr-1712	892	40	putative	putative	ADJ
cblr-1712	892	41	class	class	NOUN
cblr-1712	892	42	consented	consent	VERB
cblr-1712	892	43	to	to	ADP
cblr-1712	892	44	receiving	receive	VERB
cblr-1712	892	45	calls	call	NOUN
cblr-1712	892	46	on	on	ADP
cblr-1712	892	47	their	their	PRON
cblr-1712	892	48	cellphone	cellphone	NOUN
cblr-1712	892	49	,	,	PUNCT
cblr-1712	892	50	”	"	PUNCT
cblr-1712	892	51	the	the	DET
cblr-1712	892	52	issues	issue	NOUN
cblr-1712	892	53	of	of	ADP
cblr-1712	892	54	individualized	individualized	ADJ
cblr-1712	892	55	consent	consent	NOUN
cblr-1712	892	56	predominated	predominate	VERB
cblr-1712	892	57	,	,	PUNCT
cblr-1712	892	58	making	make	VERB
cblr-1712	892	59	class	class	NOUN
cblr-1712	892	60	certification	certification	NOUN
cblr-1712	892	61	inappropriate.162	inappropriate.162	ADP
cblr-1712	892	62	the	the	DET
cblr-1712	892	63	illinois	illinois	PROPN
cblr-1712	892	64	data	data	PROPN
cblr-1712	892	65	shows	show	VERB
cblr-1712	892	66	that	that	SCONJ
cblr-1712	892	67	the	the	DET
cblr-1712	892	68	vast	vast	ADJ
cblr-1712	892	69	majority	majority	NOUN
cblr-1712	892	70	of	of	ADP
cblr-1712	892	71	tcpa	tcpa	NOUN
cblr-1712	892	72	class	class	NOUN
cblr-1712	892	73	actions	action	NOUN
cblr-1712	892	74	may	may	AUX
cblr-1712	892	75	survive	survive	VERB
cblr-1712	892	76	without	without	ADP
cblr-1712	892	77	serious	serious	ADJ
cblr-1712	892	78	inquiry	inquiry	NOUN
cblr-1712	892	79	into	into	ADP
cblr-1712	892	80	the	the	DET
cblr-1712	892	81	predominance	predominance	NOUN
cblr-1712	892	82	of	of	ADP
cblr-1712	892	83	class	class	NOUN
cblr-1712	892	84	issues	issue	NOUN
cblr-1712	892	85	.	.	PUNCT
cblr-1712	893	1	defendants	defendant	NOUN
cblr-1712	893	2	also	also	ADV
cblr-1712	893	3	once	once	ADV
cblr-1712	893	4	made	make	VERB
cblr-1712	893	5	the	the	DET
cblr-1712	893	6	argument	argument	NOUN
cblr-1712	893	7	that	that	SCONJ
cblr-1712	893	8	a	a	DET
cblr-1712	893	9	plaintiff	plaintiff	NOUN
cblr-1712	893	10	alleging	allege	VERB
cblr-1712	893	11	a	a	DET
cblr-1712	893	12	violation	violation	NOUN
cblr-1712	893	13	of	of	ADP
cblr-1712	893	14	the	the	DET
cblr-1712	893	15	tcpa	tcpa	NOUN
cblr-1712	893	16	must	must	AUX
cblr-1712	893	17	also	also	ADV
cblr-1712	893	18	prove	prove	VERB
cblr-1712	893	19	that	that	SCONJ
cblr-1712	893	20	he	he	PRON
cblr-1712	893	21	or	or	CCONJ
cblr-1712	893	22	she	she	PRON
cblr-1712	893	23	did	do	AUX
cblr-1712	893	24	not	not	PART
cblr-1712	893	25	consent	consent	VERB
cblr-1712	893	26	to	to	ADP
cblr-1712	893	27	receiving	receive	VERB
cblr-1712	893	28	the	the	DET
cblr-1712	893	29	cellphone	cellphone	NOUN
cblr-1712	893	30	call	call	NOUN
cblr-1712	893	31	or	or	CCONJ
cblr-1712	893	32	fax	fax	NOUN
cblr-1712	893	33	(	(	PUNCT
cblr-1712	893	34	the	the	DET
cblr-1712	893	35	160	160	NUM
cblr-1712	893	36	fed	fed	PROPN
cblr-1712	893	37	.	.	PUNCT
cblr-1712	894	1	r.	r.	PROPN
cblr-1712	894	2	civ	civ	PROPN
cblr-1712	894	3	.	.	PUNCT
cblr-1712	895	1	p.	p.	NOUN
cblr-1712	895	2	23(b	23(b	NUM
cblr-1712	895	3	)	)	PUNCT
cblr-1712	895	4	161	161	NUM
cblr-1712	895	5	plaintiff	plaintiff	NOUN
cblr-1712	895	6	's	's	PART
cblr-1712	895	7	amended	amend	VERB
cblr-1712	895	8	motion	motion	NOUN
cblr-1712	895	9	for	for	ADP
cblr-1712	895	10	class	class	NOUN
cblr-1712	895	11	certification	certification	NOUN
cblr-1712	895	12	of	of	ADP
cblr-1712	895	13	count	count	PROPN
cblr-1712	895	14	viii	viii	NOUN
cblr-1712	895	15	of	of	ADP
cblr-1712	895	16	the	the	DET
cblr-1712	895	17	consolidated	consolidated	ADJ
cblr-1712	895	18	complaint	complaint	NOUN
cblr-1712	895	19	,	,	PUNCT
cblr-1712	895	20	balbarin	balbarin	NOUN
cblr-1712	895	21	v.	v.	ADP
cblr-1712	895	22	n.	n.	PROPN
cblr-1712	895	23	star	star	PROPN
cblr-1712	895	24	capital	capital	PROPN
cblr-1712	895	25	acquisition	acquisition	PROPN
cblr-1712	895	26	llc	llc	PROPN
cblr-1712	895	27	,	,	PUNCT
cblr-1712	895	28	no	no	NOUN
cblr-1712	895	29	.	.	NOUN
cblr-1712	895	30	10	10	NUM
cblr-1712	895	31	-	-	PUNCT
cblr-1712	895	32	cv-1846	cv-1846	NOUN
cblr-1712	895	33	(	(	PUNCT
cblr-1712	895	34	n.d	n.d	PROPN
cblr-1712	895	35	.	.	PROPN
cblr-1712	895	36	ill	ill	PROPN
cblr-1712	895	37	.	.	PROPN
cblr-1712	895	38	2012	2012	NUM
cblr-1712	895	39	)	)	PUNCT
cblr-1712	895	40	,	,	PUNCT
cblr-1712	895	41	ecf	ecf	PROPN
cblr-1712	895	42	no	no	INTJ
cblr-1712	895	43	.	.	PROPN
cblr-1712	895	44	144	144	NUM
cblr-1712	895	45	;	;	PUNCT
cblr-1712	895	46	response	response	NOUN
cblr-1712	895	47	by	by	ADP
cblr-1712	895	48	first	first	ADJ
cblr-1712	895	49	credit	credit	NOUN
cblr-1712	895	50	services	service	NOUN
cblr-1712	895	51	,	,	PUNCT
cblr-1712	895	52	inc	inc	PROPN
cblr-1712	895	53	.	.	PROPN
cblr-1712	895	54	in	in	ADP
cblr-1712	895	55	opposition	opposition	NOUN
cblr-1712	895	56	to	to	ADP
cblr-1712	895	57	motion	motion	NOUN
cblr-1712	895	58	by	by	ADP
cblr-1712	895	59	plaintiff	plaintiff	NOUN
cblr-1712	895	60	kofi	kofi	PROPN
cblr-1712	895	61	jamison	jamison	PROPN
cblr-1712	895	62	to	to	PART
cblr-1712	895	63	certify	certify	VERB
cblr-1712	895	64	class	class	NOUN
cblr-1712	895	65	,	,	PUNCT
cblr-1712	895	66	jamison	jamison	NOUN
cblr-1712	895	67	v.	v.	PROPN
cblr-1712	895	68	first	first	ADJ
cblr-1712	895	69	credit	credit	NOUN
cblr-1712	895	70	servs	servs	NOUN
cblr-1712	895	71	.	.	PUNCT
cblr-1712	895	72	,	,	PUNCT
cblr-1712	896	1	no	no	INTJ
cblr-1712	896	2	.	.	NOUN
cblr-1712	896	3	12	12	NUM
cblr-1712	896	4	-	-	PUNCT
cblr-1712	896	5	cv-4415	cv-4415	NOUN
cblr-1712	896	6	(	(	PUNCT
cblr-1712	896	7	n.d	n.d	PROPN
cblr-1712	896	8	.	.	PROPN
cblr-1712	896	9	ill	ill	PROPN
cblr-1712	896	10	.	.	PROPN
cblr-1712	896	11	2012	2012	NUM
cblr-1712	896	12	)	)	PUNCT
cblr-1712	896	13	,	,	PUNCT
cblr-1712	896	14	ecf	ecf	PROPN
cblr-1712	896	15	no	no	INTJ
cblr-1712	896	16	.	.	PROPN
cblr-1712	896	17	79	79	NUM
cblr-1712	896	18	;	;	PUNCT
cblr-1712	896	19	defendant	defendant	NOUN
cblr-1712	896	20	’s	’s	PART
cblr-1712	896	21	answer	answer	NOUN
cblr-1712	896	22	and	and	CCONJ
cblr-1712	896	23	affirmative	affirmative	ADJ
cblr-1712	896	24	defenses	defense	NOUN
cblr-1712	896	25	to	to	PART
cblr-1712	896	26	plaintiff	plaintiff	VERB
cblr-1712	896	27	’s	’s	PART
cblr-1712	896	28	counterclaim	counterclaim	NOUN
cblr-1712	896	29	,	,	PUNCT
cblr-1712	896	30	hanley	hanley	PROPN
cblr-1712	896	31	v.	v.	PROPN
cblr-1712	896	32	fifth	fifth	PROPN
cblr-1712	896	33	third	third	PROPN
cblr-1712	896	34	bank	bank	NOUN
cblr-1712	896	35	,	,	PUNCT
cblr-1712	896	36	no	no	INTJ
cblr-1712	896	37	.	.	NOUN
cblr-1712	896	38	12	12	NUM
cblr-1712	896	39	-	-	PUNCT
cblr-1712	896	40	cv-1612	cv-1612	NOUN
cblr-1712	896	41	(	(	PUNCT
cblr-1712	896	42	n.d	n.d	PROPN
cblr-1712	896	43	.	.	PROPN
cblr-1712	896	44	ill	ill	PROPN
cblr-1712	896	45	.	.	PROPN
cblr-1712	896	46	2012	2012	NUM
cblr-1712	896	47	)	)	PUNCT
cblr-1712	896	48	,	,	PUNCT
cblr-1712	896	49	ecf	ecf	PROPN
cblr-1712	896	50	no	no	INTJ
cblr-1712	896	51	.	.	PROPN
cblr-1712	896	52	18	18	NUM
cblr-1712	896	53	.	.	X
cblr-1712	897	1	162	162	NUM
cblr-1712	897	2	jamison	jamison	NOUN
cblr-1712	897	3	v.	v.	CCONJ
cblr-1712	897	4	first	first	ADJ
cblr-1712	897	5	credit	credit	NOUN
cblr-1712	897	6	servs	servs	NOUN
cblr-1712	897	7	.	.	PROPN
cblr-1712	897	8	,	,	PUNCT
cblr-1712	897	9	inc	inc	PROPN
cblr-1712	897	10	.	.	PROPN
cblr-1712	897	11	,	,	PUNCT
cblr-1712	897	12	290	290	NUM
cblr-1712	897	13	f.r.d	f.r.d	NOUN
cblr-1712	897	14	.	.	PROPN
cblr-1712	897	15	92	92	NUM
cblr-1712	897	16	,	,	PUNCT
cblr-1712	897	17	107	107	NUM
cblr-1712	897	18	(	(	PUNCT
cblr-1712	897	19	n.d	n.d	PROPN
cblr-1712	897	20	.	.	PROPN
cblr-1712	897	21	ill	ill	PROPN
cblr-1712	897	22	.	.	PROPN
cblr-1712	897	23	2013	2013	NUM
cblr-1712	897	24	)	)	PUNCT
cblr-1712	897	25	(	(	PUNCT
cblr-1712	897	26	finding	find	VERB
cblr-1712	897	27	class	class	NOUN
cblr-1712	897	28	certification	certification	NOUN
cblr-1712	897	29	inappropriate	inappropriate	ADJ
cblr-1712	897	30	where	where	SCONJ
cblr-1712	897	31	honda	honda	NOUN
cblr-1712	897	32	showed	show	VERB
cblr-1712	897	33	that	that	SCONJ
cblr-1712	897	34	1200	1200	NUM
cblr-1712	897	35	out	out	ADP
cblr-1712	897	36	of	of	ADP
cblr-1712	897	37	2887	2887	NUM
cblr-1712	897	38	class	class	NOUN
cblr-1712	897	39	members	member	NOUN
cblr-1712	897	40	had	have	AUX
cblr-1712	897	41	provided	provide	VERB
cblr-1712	897	42	their	their	PRON
cblr-1712	897	43	phone	phone	NOUN
cblr-1712	897	44	numbers	number	NOUN
cblr-1712	897	45	and	and	CCONJ
cblr-1712	897	46	where	where	SCONJ
cblr-1712	897	47	individualized	individualized	ADJ
cblr-1712	897	48	inquiry	inquiry	NOUN
cblr-1712	897	49	into	into	ADP
cblr-1712	897	50	honda	honda	NOUN
cblr-1712	897	51	’s	’s	PART
cblr-1712	897	52	records	record	NOUN
cblr-1712	897	53	would	would	AUX
cblr-1712	897	54	be	be	AUX
cblr-1712	897	55	required	require	VERB
cblr-1712	897	56	to	to	PART
cblr-1712	897	57	determine	determine	VERB
cblr-1712	897	58	whether	whether	SCONJ
cblr-1712	897	59	the	the	DET
cblr-1712	897	60	remaining	remain	VERB
cblr-1712	897	61	class	class	NOUN
cblr-1712	897	62	members	member	NOUN
cblr-1712	897	63	had	have	AUX
cblr-1712	897	64	consented	consent	VERB
cblr-1712	897	65	)	)	PUNCT
cblr-1712	897	66	.	.	PUNCT
cblr-1712	898	1	johnston	johnston	PROPN
cblr-1712	898	2	–	–	PUNCT
cblr-1712	898	3	final	final	ADJ
cblr-1712	898	4	no	no	NOUN
cblr-1712	898	5	.	.	NOUN
cblr-1712	898	6	1:1	1:1	NUM
cblr-1712	898	7	]	]	X
cblr-1712	898	8	high	high	ADJ
cblr-1712	898	9	cost	cost	NOUN
cblr-1712	898	10	,	,	PUNCT
cblr-1712	898	11	little	little	ADJ
cblr-1712	898	12	compensation	compensation	NOUN
cblr-1712	898	13	77	77	NUM
cblr-1712	898	14	latter	latter	ADJ
cblr-1712	898	15	by	by	ADP
cblr-1712	898	16	having	have	VERB
cblr-1712	898	17	an	an	DET
cblr-1712	898	18	existing	exist	VERB
cblr-1712	898	19	business	business	NOUN
cblr-1712	898	20	relationship	relationship	NOUN
cblr-1712	898	21	)	)	PUNCT
cblr-1712	898	22	.	.	PUNCT
cblr-1712	899	1	judicial	judicial	ADJ
cblr-1712	899	2	interpretations	interpretation	NOUN
cblr-1712	899	3	of	of	ADP
cblr-1712	899	4	the	the	DET
cblr-1712	899	5	tcpa	tcpa	NOUN
cblr-1712	899	6	have	have	AUX
cblr-1712	899	7	said	say	VERB
cblr-1712	899	8	to	to	ADP
cblr-1712	899	9	the	the	DET
cblr-1712	899	10	contrary	contrary	NOUN
cblr-1712	899	11	that	that	SCONJ
cblr-1712	899	12	“	"	PUNCT
cblr-1712	899	13	prior	prior	ADJ
cblr-1712	899	14	express	express	ADJ
cblr-1712	899	15	consent	consent	NOUN
cblr-1712	899	16	”	"	PUNCT
cblr-1712	899	17	under	under	ADP
cblr-1712	899	18	the	the	DET
cblr-1712	899	19	tcpa	tcpa	NOUN
cblr-1712	899	20	is	be	AUX
cblr-1712	899	21	an	an	DET
cblr-1712	899	22	affirmative	affirmative	ADJ
cblr-1712	899	23	defense	defense	NOUN
cblr-1712	899	24	on	on	ADP
cblr-1712	899	25	which	which	PRON
cblr-1712	899	26	the	the	DET
cblr-1712	899	27	defendant	defendant	NOUN
cblr-1712	899	28	bears	bear	VERB
cblr-1712	899	29	the	the	DET
cblr-1712	899	30	burden	burden	NOUN
cblr-1712	899	31	of	of	ADP
cblr-1712	899	32	proof	proof	NOUN
cblr-1712	899	33	;	;	PUNCT
cblr-1712	899	34	it	it	PRON
cblr-1712	899	35	is	be	AUX
cblr-1712	899	36	not	not	PART
cblr-1712	899	37	a	a	DET
cblr-1712	899	38	required	require	VERB
cblr-1712	899	39	element	element	NOUN
cblr-1712	899	40	of	of	ADP
cblr-1712	899	41	the	the	DET
cblr-1712	899	42	plaintiff	plaintiff	NOUN
cblr-1712	899	43	’s	’s	PART
cblr-1712	899	44	claim.163	claim.163	X
cblr-1712	899	45	the	the	DET
cblr-1712	899	46	federal	federal	PROPN
cblr-1712	899	47	communications	communications	PROPN
cblr-1712	899	48	commission	commission	NOUN
cblr-1712	899	49	(	(	PUNCT
cblr-1712	899	50	“	"	PUNCT
cblr-1712	899	51	fcc	fcc	PROPN
cblr-1712	899	52	”	"	PUNCT
cblr-1712	899	53	)	)	PUNCT
cblr-1712	899	54	,	,	PUNCT
cblr-1712	899	55	which	which	PRON
cblr-1712	899	56	administers	administer	VERB
cblr-1712	899	57	the	the	DET
cblr-1712	899	58	implementation	implementation	NOUN
cblr-1712	899	59	of	of	ADP
cblr-1712	899	60	the	the	DET
cblr-1712	899	61	tcpa	tcpa	NOUN
cblr-1712	899	62	,	,	PUNCT
cblr-1712	899	63	has	have	AUX
cblr-1712	899	64	agreed	agree	VERB
cblr-1712	899	65	that	that	SCONJ
cblr-1712	899	66	the	the	DET
cblr-1712	899	67	defendant	defendant	NOUN
cblr-1712	899	68	has	have	VERB
cblr-1712	899	69	the	the	DET
cblr-1712	899	70	burden	burden	NOUN
cblr-1712	899	71	of	of	ADP
cblr-1712	899	72	establishing	establish	VERB
cblr-1712	899	73	that	that	SCONJ
cblr-1712	899	74	the	the	DET
cblr-1712	899	75	plaintiff	plaintiff	NOUN
cblr-1712	899	76	“	"	PUNCT
cblr-1712	899	77	expressly	expressly	ADV
cblr-1712	899	78	consented	consent	VERB
cblr-1712	899	79	”	"	PUNCT
cblr-1712	899	80	to	to	ADP
cblr-1712	899	81	the	the	DET
cblr-1712	899	82	communication.164	communication.164	NOUN
cblr-1712	899	83	filings	filing	NOUN
cblr-1712	899	84	in	in	ADP
cblr-1712	899	85	the	the	DET
cblr-1712	899	86	illinois	illinois	PROPN
cblr-1712	899	87	data	datum	NOUN
cblr-1712	899	88	show	show	VERB
cblr-1712	899	89	that	that	SCONJ
cblr-1712	899	90	defendants	defendant	NOUN
cblr-1712	899	91	do	do	AUX
cblr-1712	899	92	sometimes	sometimes	ADV
cblr-1712	899	93	succeed	succeed	VERB
cblr-1712	899	94	in	in	ADP
cblr-1712	899	95	carrying	carry	VERB
cblr-1712	899	96	this	this	DET
cblr-1712	899	97	burden	burden	NOUN
cblr-1712	899	98	.	.	PUNCT
cblr-1712	900	1	indeed	indeed	ADV
cblr-1712	900	2	,	,	PUNCT
cblr-1712	900	3	of	of	ADP
cblr-1712	900	4	the	the	DET
cblr-1712	900	5	six	six	NUM
cblr-1712	900	6	tcpa	tcpa	NOUN
cblr-1712	900	7	cases	case	NOUN
cblr-1712	900	8	that	that	SCONJ
cblr-1712	900	9	defendants	defendant	NOUN
cblr-1712	900	10	won	win	VERB
cblr-1712	900	11	,	,	PUNCT
cblr-1712	900	12	only	only	ADV
cblr-1712	900	13	two	two	NUM
cblr-1712	900	14	were	be	AUX
cblr-1712	900	15	won	win	VERB
cblr-1712	900	16	on	on	ADP
cblr-1712	900	17	substantive	substantive	ADJ
cblr-1712	900	18	grounds	ground	NOUN
cblr-1712	900	19	.	.	PUNCT
cblr-1712	901	1	however	however	ADV
cblr-1712	901	2	,	,	PUNCT
cblr-1712	901	3	in	in	ADP
cblr-1712	901	4	both	both	PRON
cblr-1712	901	5	of	of	ADP
cblr-1712	901	6	these	these	DET
cblr-1712	901	7	cases	case	NOUN
cblr-1712	901	8	,	,	PUNCT
cblr-1712	901	9	the	the	DET
cblr-1712	901	10	defendant	defendant	NOUN
cblr-1712	901	11	established	establish	VERB
cblr-1712	901	12	the	the	DET
cblr-1712	901	13	affirmative	affirmative	ADJ
cblr-1712	901	14	defense	defense	NOUN
cblr-1712	901	15	of	of	ADP
cblr-1712	901	16	prior	prior	ADJ
cblr-1712	901	17	express	express	ADJ
cblr-1712	901	18	consent	consent	NOUN
cblr-1712	901	19	by	by	ADP
cblr-1712	901	20	showing	show	VERB
cblr-1712	901	21	that	that	SCONJ
cblr-1712	901	22	the	the	DET
cblr-1712	901	23	plaintiff	plaintiff	NOUN
cblr-1712	901	24	had	have	AUX
cblr-1712	901	25	provided	provide	VERB
cblr-1712	901	26	her	her	PRON
cblr-1712	901	27	phone	phone	NOUN
cblr-1712	901	28	number	number	NOUN
cblr-1712	901	29	as	as	ADP
cblr-1712	901	30	part	part	NOUN
cblr-1712	901	31	of	of	ADP
cblr-1712	901	32	an	an	DET
cblr-1712	901	33	ongoing	ongoing	ADJ
cblr-1712	901	34	business	business	NOUN
cblr-1712	901	35	relationship	relationship	NOUN
cblr-1712	901	36	,	,	PUNCT
cblr-1712	901	37	knowing	know	VERB
cblr-1712	901	38	that	that	SCONJ
cblr-1712	901	39	it	it	PRON
cblr-1712	901	40	would	would	AUX
cblr-1712	901	41	be	be	AUX
cblr-1712	901	42	used	use	VERB
cblr-1712	901	43	by	by	ADP
cblr-1712	901	44	defendant	defendant	NOUN
cblr-1712	901	45	or	or	CCONJ
cblr-1712	901	46	others	other	NOUN
cblr-1712	901	47	to	to	PART
cblr-1712	901	48	contact	contact	VERB
cblr-1712	901	49	him	he	PRON
cblr-1712	901	50	or	or	CCONJ
cblr-1712	901	51	her.165	her.165	VERB
cblr-1712	901	52	163	163	NUM
cblr-1712	901	53	see	see	NOUN
cblr-1712	901	54	thrasher	thrasher	NOUN
cblr-1712	901	55	-	-	PUNCT
cblr-1712	901	56	lyon	lyon	NOUN
cblr-1712	901	57	v.	v.	ADP
cblr-1712	901	58	ill	ill	PROPN
cblr-1712	901	59	.	.	PUNCT
cblr-1712	902	1	farmers	farmers	PROPN
cblr-1712	902	2	ins	ins	PROPN
cblr-1712	902	3	.	.	PROPN
cblr-1712	902	4	co.	co.	PROPN
cblr-1712	902	5	,	,	PUNCT
cblr-1712	902	6	861	861	NUM
cblr-1712	902	7	f.	f.	PROPN
cblr-1712	902	8	supp	supp	PROPN
cblr-1712	902	9	.	.	PUNCT
cblr-1712	903	1	2d	2d	PROPN
cblr-1712	903	2	898	898	NUM
cblr-1712	903	3	,	,	PUNCT
cblr-1712	903	4	905	905	NUM
cblr-1712	903	5	(	(	PUNCT
cblr-1712	903	6	n.d	n.d	PROPN
cblr-1712	903	7	.	.	PROPN
cblr-1712	903	8	ill	ill	PROPN
cblr-1712	903	9	.	.	PROPN
cblr-1712	903	10	2012	2012	NUM
cblr-1712	903	11	)	)	PUNCT
cblr-1712	903	12	;	;	PUNCT
cblr-1712	904	1	d.g	d.g	PROPN
cblr-1712	904	2	.	.	PROPN
cblr-1712	904	3	v.	v.	ADP
cblr-1712	904	4	diversified	diversify	VERB
cblr-1712	904	5	adjustment	adjustment	NOUN
cblr-1712	904	6	serv	serv	X
cblr-1712	904	7	.	.	PROPN
cblr-1712	904	8	,	,	PUNCT
cblr-1712	904	9	inc	inc	PROPN
cblr-1712	904	10	.	.	PROPN
cblr-1712	904	11	,	,	PUNCT
cblr-1712	904	12	no	no	INTJ
cblr-1712	904	13	.	.	NOUN
cblr-1712	904	14	11	11	NUM
cblr-1712	904	15	-	-	PUNCT
cblr-1712	904	16	cv2062	cv2062	NOUN
cblr-1712	904	17	,	,	PUNCT
cblr-1712	904	18	2011	2011	NUM
cblr-1712	904	19	wl	wl	NOUN
cblr-1712	904	20	5506078	5506078	NUM
cblr-1712	904	21	,	,	PUNCT
cblr-1712	904	22	at	at	ADP
cblr-1712	904	23	*	*	NOUN
cblr-1712	904	24	3	3	NUM
cblr-1712	904	25	(	(	PUNCT
cblr-1712	904	26	n.d	n.d	PROPN
cblr-1712	904	27	.	.	PROPN
cblr-1712	904	28	ill	ill	PROPN
cblr-1712	904	29	.	.	PUNCT
cblr-1712	904	30	oct	oct	PROPN
cblr-1712	904	31	.	.	PROPN
cblr-1712	904	32	18	18	NUM
cblr-1712	904	33	,	,	PUNCT
cblr-1712	904	34	2011	2011	NUM
cblr-1712	904	35	)	)	PUNCT
cblr-1712	904	36	;	;	PUNCT
cblr-1712	904	37	martin	martin	PROPN
cblr-1712	904	38	v.	v.	ADP
cblr-1712	904	39	bureau	bureau	PROPN
cblr-1712	904	40	of	of	ADP
cblr-1712	904	41	collection	collection	NOUN
cblr-1712	904	42	recovery	recovery	NOUN
cblr-1712	904	43	,	,	PUNCT
cblr-1712	904	44	no	no	NOUN
cblr-1712	904	45	.	.	NOUN
cblr-1712	904	46	10	10	NUM
cblr-1712	904	47	-	-	PUNCT
cblr-1712	904	48	cv-7725	cv-7725	ADJ
cblr-1712	904	49	,	,	PUNCT
cblr-1712	904	50	2011	2011	NUM
cblr-1712	904	51	wl	wl	NOUN
cblr-1712	904	52	2311869	2311869	NUM
cblr-1712	904	53	at	at	ADP
cblr-1712	904	54	*	*	SYM
cblr-1712	904	55	1	1	NUM
cblr-1712	904	56	(	(	PUNCT
cblr-1712	904	57	n.d	n.d	PROPN
cblr-1712	904	58	.	.	PROPN
cblr-1712	904	59	ill	ill	PROPN
cblr-1712	904	60	.	.	PUNCT
cblr-1712	904	61	june	june	PROPN
cblr-1712	904	62	13	13	NUM
cblr-1712	904	63	,	,	PUNCT
cblr-1712	904	64	2011	2011	NUM
cblr-1712	904	65	)	)	PUNCT
cblr-1712	904	66	;	;	PUNCT
cblr-1712	904	67	see	see	VERB
cblr-1712	904	68	also	also	ADV
cblr-1712	904	69	grant	grant	VERB
cblr-1712	904	70	v.	v.	ADP
cblr-1712	904	71	capital	capital	PROPN
cblr-1712	904	72	mgmt	mgmt	PROPN
cblr-1712	904	73	.	.	PUNCT
cblr-1712	905	1	servs	servs	PROPN
cblr-1712	905	2	.	.	PUNCT
cblr-1712	905	3	,	,	PUNCT
cblr-1712	905	4	l.p	l.p	PROPN
cblr-1712	905	5	.	.	PROPN
cblr-1712	905	6	,	,	PUNCT
cblr-1712	905	7	449	449	NUM
cblr-1712	905	8	f.	f.	PROPN
cblr-1712	905	9	app’x	app’x	PROPN
cblr-1712	905	10	598	598	NUM
cblr-1712	905	11	,	,	PUNCT
cblr-1712	905	12	600	600	NUM
cblr-1712	905	13	n.1	n.1	NOUN
cblr-1712	905	14	(	(	PUNCT
cblr-1712	905	15	9th	9th	ADJ
cblr-1712	905	16	cir	cir	NOUN
cblr-1712	905	17	.	.	PUNCT
cblr-1712	905	18	2011	2011	NUM
cblr-1712	905	19	)	)	PUNCT
cblr-1712	905	20	;	;	PUNCT
cblr-1712	905	21	pinkard	pinkard	NOUN
cblr-1712	905	22	v.	v.	ADP
cblr-1712	905	23	wal	wal	PROPN
cblr-1712	905	24	-	-	PROPN
cblr-1712	905	25	mart	mart	PROPN
cblr-1712	905	26	stores	stores	PROPN
cblr-1712	905	27	,	,	PUNCT
cblr-1712	905	28	inc	inc	PROPN
cblr-1712	905	29	.	.	PROPN
cblr-1712	905	30	,	,	PUNCT
cblr-1712	905	31	no	no	INTJ
cblr-1712	905	32	.	.	NOUN
cblr-1712	906	1	3:12	3:12	NUM
cblr-1712	906	2	-	-	PUNCT
cblr-1712	906	3	cv2902	cv2902	ADJ
cblr-1712	906	4	,	,	PUNCT
cblr-1712	906	5	2012	2012	NUM
cblr-1712	906	6	wl	wl	NOUN
cblr-1712	906	7	5511039	5511039	NUM
cblr-1712	906	8	,	,	PUNCT
cblr-1712	906	9	at	at	ADP
cblr-1712	906	10	*	*	NOUN
cblr-1712	906	11	2	2	NUM
cblr-1712	906	12	(	(	PUNCT
cblr-1712	906	13	n.d	n.d	PROPN
cblr-1712	906	14	.	.	PROPN
cblr-1712	906	15	ala	ala	PROPN
cblr-1712	906	16	.	.	PUNCT
cblr-1712	907	1	nov	nov	PROPN
cblr-1712	907	2	.	.	PROPN
cblr-1712	907	3	9	9	NUM
cblr-1712	907	4	,	,	PUNCT
cblr-1712	907	5	2012	2012	NUM
cblr-1712	907	6	)	)	PUNCT
cblr-1712	907	7	.	.	PUNCT
cblr-1712	908	1	164	164	NUM
cblr-1712	908	2	rules	rule	NOUN
cblr-1712	908	3	&	&	CCONJ
cblr-1712	908	4	regulations	regulation	NOUN
cblr-1712	908	5	implementing	implement	VERB
cblr-1712	908	6	the	the	DET
cblr-1712	908	7	tel	tel	PROPN
cblr-1712	908	8	.	.	PUNCT
cblr-1712	908	9	consumer	consumer	NOUN
cblr-1712	908	10	prot	prot	NOUN
cblr-1712	908	11	.	.	PUNCT
cblr-1712	908	12	act	act	NOUN
cblr-1712	908	13	of	of	ADP
cblr-1712	908	14	1991	1991	NUM
cblr-1712	908	15	,	,	PUNCT
cblr-1712	908	16	23	23	NUM
cblr-1712	908	17	f.c.c	f.c.c	NOUN
cblr-1712	908	18	.	.	PROPN
cblr-1712	908	19	559	559	NUM
cblr-1712	908	20	,	,	PUNCT
cblr-1712	908	21	565	565	NUM
cblr-1712	908	22	(	(	PUNCT
cblr-1712	908	23	2008	2008	NUM
cblr-1712	908	24	)	)	PUNCT
cblr-1712	908	25	(	(	PUNCT
cblr-1712	908	26	“	"	PUNCT
cblr-1712	908	27	should	should	AUX
cblr-1712	908	28	a	a	DET
cblr-1712	908	29	question	question	NOUN
cblr-1712	908	30	arise	arise	NOUN
cblr-1712	908	31	as	as	ADP
cblr-1712	908	32	to	to	ADP
cblr-1712	908	33	whether	whether	SCONJ
cblr-1712	908	34	express	express	ADJ
cblr-1712	908	35	consent	consent	NOUN
cblr-1712	908	36	was	be	AUX
cblr-1712	908	37	provided	provide	VERB
cblr-1712	908	38	,	,	PUNCT
cblr-1712	908	39	the	the	DET
cblr-1712	908	40	burden	burden	NOUN
cblr-1712	908	41	will	will	AUX
cblr-1712	908	42	be	be	AUX
cblr-1712	908	43	on	on	ADP
cblr-1712	908	44	the	the	DET
cblr-1712	908	45	creditor	creditor	NOUN
cblr-1712	908	46	to	to	PART
cblr-1712	908	47	show	show	VERB
cblr-1712	908	48	it	it	PRON
cblr-1712	908	49	obtained	obtain	VERB
cblr-1712	908	50	the	the	DET
cblr-1712	908	51	necessary	necessary	ADJ
cblr-1712	908	52	prior	prior	ADJ
cblr-1712	908	53	express	express	ADJ
cblr-1712	908	54	consent	consent	NOUN
cblr-1712	908	55	.	.	PUNCT
cblr-1712	908	56	”	"	PUNCT
cblr-1712	908	57	)	)	PUNCT
cblr-1712	908	58	.	.	PUNCT
cblr-1712	909	1	165	165	NUM
cblr-1712	909	2	in	in	ADP
cblr-1712	909	3	elkins	elkins	PROPN
cblr-1712	909	4	v.	v.	ADP
cblr-1712	909	5	medco	medco	PROPN
cblr-1712	909	6	health	health	NOUN
cblr-1712	909	7	solutions	solutions	PROPN
cblr-1712	909	8	,	,	PUNCT
cblr-1712	909	9	inc	inc	PROPN
cblr-1712	909	10	.	.	PROPN
cblr-1712	909	11	,	,	PUNCT
cblr-1712	909	12	the	the	DET
cblr-1712	909	13	court	court	NOUN
cblr-1712	909	14	found	find	VERB
cblr-1712	909	15	that	that	SCONJ
cblr-1712	909	16	the	the	DET
cblr-1712	909	17	plaintiff	plaintiff	NOUN
cblr-1712	909	18	expressly	expressly	ADV
cblr-1712	909	19	consented	consent	VERB
cblr-1712	909	20	to	to	PART
cblr-1712	909	21	receive	receive	VERB
cblr-1712	909	22	telephone	telephone	NOUN
cblr-1712	909	23	calls	call	NOUN
cblr-1712	909	24	from	from	ADP
cblr-1712	909	25	her	her	PRON
cblr-1712	909	26	health	health	NOUN
cblr-1712	909	27	plan	plan	NOUN
cblr-1712	909	28	’s	’s	PART
cblr-1712	909	29	pharmacy	pharmacy	NOUN
cblr-1712	909	30	benefits	benefit	NOUN
cblr-1712	909	31	manager	manager	NOUN
cblr-1712	909	32	advising	advise	VERB
cblr-1712	909	33	her	she	PRON
cblr-1712	909	34	of	of	ADP
cblr-1712	909	35	cheaper	cheap	ADJ
cblr-1712	909	36	prescription	prescription	NOUN
cblr-1712	909	37	renewal	renewal	NOUN
cblr-1712	909	38	options	option	NOUN
cblr-1712	909	39	when	when	SCONJ
cblr-1712	909	40	she	she	PRON
cblr-1712	909	41	provided	provide	VERB
cblr-1712	909	42	her	her	PRON
cblr-1712	909	43	phone	phone	NOUN
cblr-1712	909	44	number	number	NOUN
cblr-1712	909	45	while	while	SCONJ
cblr-1712	909	46	enrolling	enrol	VERB
cblr-1712	909	47	in	in	ADP
cblr-1712	909	48	a	a	DET
cblr-1712	909	49	health	health	NOUN
cblr-1712	909	50	plan	plan	NOUN
cblr-1712	909	51	agreement	agreement	NOUN
cblr-1712	909	52	that	that	PRON
cblr-1712	909	53	stated	state	VERB
cblr-1712	909	54	that	that	SCONJ
cblr-1712	909	55	the	the	DET
cblr-1712	909	56	plan	plan	NOUN
cblr-1712	909	57	provider	provider	NOUN
cblr-1712	909	58	may	may	AUX
cblr-1712	909	59	use	use	VERB
cblr-1712	909	60	or	or	CCONJ
cblr-1712	909	61	share	share	VERB
cblr-1712	909	62	the	the	DET
cblr-1712	909	63	information	information	NOUN
cblr-1712	909	64	provided	provide	VERB
cblr-1712	909	65	by	by	ADP
cblr-1712	909	66	the	the	DET
cblr-1712	909	67	subscriber	subscriber	NOUN
cblr-1712	909	68	for	for	ADP
cblr-1712	909	69	“	"	PUNCT
cblr-1712	909	70	other	other	ADJ
cblr-1712	909	71	businesses	business	NOUN
cblr-1712	909	72	who	who	PRON
cblr-1712	909	73	work	work	VERB
cblr-1712	909	74	for	for	ADP
cblr-1712	909	75	the	the	DET
cblr-1712	909	76	plan	plan	NOUN
cblr-1712	909	77	.	.	PUNCT
cblr-1712	909	78	.	.	PUNCT
cblr-1712	909	79	.	.	PUNCT
cblr-1712	910	1	[	[	X
cblr-1712	910	2	t]o	t]o	NOUN
cblr-1712	910	3	tell	tell	VERB
cblr-1712	910	4	you	you	PRON
cblr-1712	910	5	about	about	ADP
cblr-1712	910	6	treatment	treatment	NOUN
cblr-1712	910	7	options	option	NOUN
cblr-1712	910	8	or	or	CCONJ
cblr-1712	910	9	health	health	NOUN
cblr-1712	910	10	related	relate	VERB
cblr-1712	910	11	services	service	NOUN
cblr-1712	910	12	.	.	PUNCT
cblr-1712	910	13	”	"	PUNCT
cblr-1712	911	1	no	no	INTJ
cblr-1712	911	2	.	.	NOUN
cblr-1712	911	3	12	12	NUM
cblr-1712	911	4	-	-	PUNCT
cblr-1712	911	5	cv-5617	cv-5617	NOUN
cblr-1712	911	6	(	(	PUNCT
cblr-1712	911	7	n.d	n.d	PROPN
cblr-1712	911	8	.	.	PROPN
cblr-1712	911	9	ill	ill	PROPN
cblr-1712	911	10	.	.	PROPN
cblr-1712	911	11	2012	2012	NUM
cblr-1712	911	12	)	)	PUNCT
cblr-1712	911	13	,	,	PUNCT
cblr-1712	911	14	transferred	transfer	VERB
cblr-1712	911	15	&	&	CCONJ
cblr-1712	911	16	decided	decide	VERB
cblr-1712	911	17	on	on	ADP
cblr-1712	911	18	summary	summary	NOUN
cblr-1712	911	19	judgment	judgment	NOUN
cblr-1712	911	20	no	no	INTJ
cblr-1712	911	21	.	.	PUNCT
cblr-1712	912	1	4:12	4:12	NUM
cblr-1712	912	2	-	-	PUNCT
cblr-1712	912	3	cv-2141	cv-2141	NOUN
cblr-1712	912	4	,	,	PUNCT
cblr-1712	912	5	2014	2014	NUM
cblr-1712	912	6	wl	wl	NOUN
cblr-1712	912	7	1663406	1663406	NUM
cblr-1712	912	8	,	,	PUNCT
cblr-1712	912	9	at	at	ADP
cblr-1712	912	10	*	*	NOUN
cblr-1712	912	11	3	3	NUM
cblr-1712	912	12	(	(	PUNCT
cblr-1712	912	13	e.d	e.d	PROPN
cblr-1712	912	14	.	.	PROPN
cblr-1712	912	15	mo	mo	PROPN
cblr-1712	912	16	.	.	PROPN
cblr-1712	912	17	apr	apr	PROPN
cblr-1712	912	18	.	.	PROPN
cblr-1712	912	19	25	25	NUM
cblr-1712	912	20	,	,	PUNCT
cblr-1712	912	21	2014	2014	NUM
cblr-1712	912	22	)	)	PUNCT
cblr-1712	912	23	.	.	PUNCT
cblr-1712	913	1	in	in	ADP
cblr-1712	913	2	greene	greene	PROPN
cblr-1712	913	3	v.	v.	ADP
cblr-1712	913	4	direct	direct	ADJ
cblr-1712	913	5	tv	tv	NOUN
cblr-1712	913	6	,	,	PUNCT
cblr-1712	913	7	the	the	DET
cblr-1712	913	8	court	court	NOUN
cblr-1712	913	9	found	find	VERB
cblr-1712	913	10	that	that	SCONJ
cblr-1712	913	11	when	when	SCONJ
cblr-1712	913	12	she	she	PRON
cblr-1712	913	13	provided	provide	VERB
cblr-1712	913	14	her	her	PRON
cblr-1712	913	15	cellphone	cellphone	NOUN
cblr-1712	913	16	number	number	NOUN
cblr-1712	913	17	to	to	PART
cblr-1712	913	18	equifax	equifax	NOUN
cblr-1712	913	19	knowing	know	VERB
cblr-1712	913	20	that	that	SCONJ
cblr-1712	913	21	potential	potential	ADJ
cblr-1712	913	22	creditors	creditor	NOUN
cblr-1712	913	23	would	would	AUX
cblr-1712	913	24	use	use	VERB
cblr-1712	913	25	it	it	PRON
cblr-1712	913	26	as	as	ADP
cblr-1712	913	27	a	a	DET
cblr-1712	913	28	contact	contact	NOUN
cblr-1712	913	29	number	number	NOUN
cblr-1712	913	30	for	for	ADP
cblr-1712	913	31	potential	potential	ADJ
cblr-1712	913	32	fraud	fraud	NOUN
cblr-1712	913	33	alert	alert	PROPN
cblr-1712	913	34	johnston	johnston	PROPN
cblr-1712	913	35	–	–	PUNCT
cblr-1712	913	36	final	final	ADJ
cblr-1712	913	37	78	78	NUM
cblr-1712	913	38	columbia	columbia	PROPN
cblr-1712	913	39	business	business	NOUN
cblr-1712	913	40	law	law	NOUN
cblr-1712	913	41	review	review	NOUN
cblr-1712	914	1	[	[	X
cblr-1712	914	2	vol	vol	NOUN
cblr-1712	914	3	.	.	NOUN
cblr-1712	914	4	2017	2017	NUM
cblr-1712	914	5	these	these	DET
cblr-1712	914	6	decisions	decision	NOUN
cblr-1712	914	7	were	be	AUX
cblr-1712	914	8	consistent	consistent	ADJ
cblr-1712	914	9	with	with	ADP
cblr-1712	914	10	most	most	ADV
cblr-1712	914	11	earlier	early	ADJ
cblr-1712	914	12	judicial	judicial	ADJ
cblr-1712	914	13	decisions	decision	NOUN
cblr-1712	914	14	and	and	CCONJ
cblr-1712	914	15	fcc	fcc	PROPN
cblr-1712	914	16	regulations	regulation	NOUN
cblr-1712	914	17	as	as	SCONJ
cblr-1712	914	18	they	they	PRON
cblr-1712	914	19	existed	exist	VERB
cblr-1712	914	20	at	at	ADP
cblr-1712	914	21	the	the	DET
cblr-1712	914	22	time.166	time.166	PROPN
cblr-1712	914	23	both	both	PRON
cblr-1712	914	24	had	have	AUX
cblr-1712	914	25	said	say	VERB
cblr-1712	914	26	that	that	SCONJ
cblr-1712	914	27	by	by	ADP
cblr-1712	914	28	proving	prove	VERB
cblr-1712	914	29	that	that	SCONJ
cblr-1712	914	30	a	a	DET
cblr-1712	914	31	consumer	consumer	NOUN
cblr-1712	914	32	gave	give	VERB
cblr-1712	914	33	his	his	PRON
cblr-1712	914	34	or	or	CCONJ
cblr-1712	914	35	her	her	PRON
cblr-1712	914	36	number	number	NOUN
cblr-1712	914	37	to	to	ADP
cblr-1712	914	38	a	a	DET
cblr-1712	914	39	business	business	NOUN
cblr-1712	914	40	with	with	ADP
cblr-1712	914	41	whom	whom	PRON
cblr-1712	914	42	he	he	PRON
cblr-1712	914	43	or	or	CCONJ
cblr-1712	914	44	she	she	PRON
cblr-1712	914	45	had	have	VERB
cblr-1712	914	46	an	an	DET
cblr-1712	914	47	existing	exist	VERB
cblr-1712	914	48	business	business	NOUN
cblr-1712	914	49	relationship	relationship	NOUN
cblr-1712	914	50	,	,	PUNCT
cblr-1712	914	51	a	a	DET
cblr-1712	914	52	tcpa	tcpa	NOUN
cblr-1712	914	53	defendant	defendant	NOUN
cblr-1712	914	54	established	establish	VERB
cblr-1712	914	55	express	express	ADJ
cblr-1712	914	56	consent	consent	NOUN
cblr-1712	914	57	.	.	PUNCT
cblr-1712	915	1	the	the	DET
cblr-1712	915	2	burden	burden	NOUN
cblr-1712	915	3	then	then	ADV
cblr-1712	915	4	shifts	shift	NOUN
cblr-1712	915	5	to	to	ADP
cblr-1712	915	6	the	the	DET
cblr-1712	915	7	consumer	consumer	NOUN
cblr-1712	915	8	to	to	PART
cblr-1712	915	9	show	show	VERB
cblr-1712	915	10	that	that	SCONJ
cblr-1712	915	11	she	she	PRON
cblr-1712	915	12	had	have	AUX
cblr-1712	915	13	revoked	revoke	VERB
cblr-1712	915	14	that	that	DET
cblr-1712	915	15	consent	consent	NOUN
cblr-1712	915	16	by	by	ADP
cblr-1712	915	17	requesting	request	VERB
cblr-1712	915	18	no	no	PRON
cblr-1712	915	19	further	far	ADV
cblr-1712	915	20	calls.167	calls.167	ADJ
cblr-1712	915	21	following	follow	VERB
cblr-1712	915	22	some	some	DET
cblr-1712	915	23	district	district	NOUN
cblr-1712	915	24	courts	court	NOUN
cblr-1712	915	25	(	(	PUNCT
cblr-1712	915	26	including	include	VERB
cblr-1712	915	27	one	one	NUM
cblr-1712	915	28	decision	decision	NOUN
cblr-1712	915	29	in	in	ADP
cblr-1712	915	30	the	the	DET
cblr-1712	915	31	illinois	illinois	PROPN
cblr-1712	915	32	data),168	data),168	PROPN
cblr-1712	915	33	the	the	DET
cblr-1712	915	34	fcc	fcc	PROPN
cblr-1712	915	35	has	have	AUX
cblr-1712	915	36	recently	recently	ADV
cblr-1712	915	37	promulgated	promulgate	VERB
cblr-1712	915	38	a	a	DET
cblr-1712	915	39	rule	rule	NOUN
cblr-1712	915	40	under	under	ADP
cblr-1712	915	41	which	which	PRON
cblr-1712	915	42	tcpa	tcpa	NOUN
cblr-1712	915	43	defendants	defendant	NOUN
cblr-1712	915	44	may	may	AUX
cblr-1712	915	45	no	no	ADV
cblr-1712	915	46	longer	long	ADV
cblr-1712	915	47	establish	establish	VERB
cblr-1712	915	48	express	express	ADJ
cblr-1712	915	49	consent	consent	NOUN
cblr-1712	915	50	to	to	ADP
cblr-1712	915	51	an	an	DET
cblr-1712	915	52	autodialed	autodiale	VERB
cblr-1712	915	53	call	call	NOUN
cblr-1712	915	54	or	or	CCONJ
cblr-1712	915	55	fax	fax	NOUN
cblr-1712	915	56	by	by	ADP
cblr-1712	915	57	showing	show	VERB
cblr-1712	915	58	that	that	SCONJ
cblr-1712	915	59	the	the	DET
cblr-1712	915	60	plaintiff	plaintiff	NOUN
cblr-1712	915	61	provided	provide	VERB
cblr-1712	915	62	her	her	PRON
cblr-1712	915	63	cellphone	cellphone	NOUN
cblr-1712	915	64	number	number	NOUN
cblr-1712	915	65	under	under	ADP
cblr-1712	915	66	an	an	DET
cblr-1712	915	67	established	establish	VERB
cblr-1712	915	68	business	business	NOUN
cblr-1712	915	69	relationship	relationship	NOUN
cblr-1712	915	70	.	.	PUNCT
cblr-1712	916	1	under	under	ADP
cblr-1712	916	2	a	a	DET
cblr-1712	916	3	rule	rule	NOUN
cblr-1712	916	4	that	that	PRON
cblr-1712	916	5	took	take	VERB
cblr-1712	916	6	notifications	notification	NOUN
cblr-1712	916	7	,	,	PUNCT
cblr-1712	916	8	the	the	DET
cblr-1712	916	9	plaintiff	plaintiff	NOUN
cblr-1712	916	10	provided	provide	VERB
cblr-1712	916	11	express	express	ADJ
cblr-1712	916	12	consent	consent	NOUN
cblr-1712	916	13	for	for	SCONJ
cblr-1712	916	14	the	the	DET
cblr-1712	916	15	defendant	defendant	NOUN
cblr-1712	916	16	to	to	PART
cblr-1712	916	17	use	use	VERB
cblr-1712	916	18	that	that	DET
cblr-1712	916	19	number	number	NOUN
cblr-1712	916	20	to	to	PART
cblr-1712	916	21	contact	contact	VERB
cblr-1712	916	22	her	she	PRON
cblr-1712	916	23	to	to	PART
cblr-1712	916	24	verify	verify	VERB
cblr-1712	916	25	her	her	PRON
cblr-1712	916	26	identity	identity	NOUN
cblr-1712	916	27	.	.	PUNCT
cblr-1712	917	1	no	no	INTJ
cblr-1712	917	2	.	.	NOUN
cblr-1712	918	1	10	10	NUM
cblr-1712	918	2	-	-	PUNCT
cblr-1712	918	3	cv-117	cv-117	PROPN
cblr-1712	918	4	(	(	PUNCT
cblr-1712	918	5	n.d	n.d	PROPN
cblr-1712	918	6	.	.	PROPN
cblr-1712	918	7	ill	ill	PROPN
cblr-1712	918	8	.	.	PUNCT
cblr-1712	919	1	nov	nov	PROPN
cblr-1712	919	2	.	.	PROPN
cblr-1712	919	3	8	8	NUM
cblr-1712	919	4	,	,	PUNCT
cblr-1712	919	5	2010	2010	NUM
cblr-1712	919	6	)	)	PUNCT
cblr-1712	919	7	.	.	PUNCT
cblr-1712	920	1	166	166	NUM
cblr-1712	920	2	see	see	VERB
cblr-1712	920	3	,	,	PUNCT
cblr-1712	920	4	e.g.	e.g.	ADV
cblr-1712	920	5	,	,	PUNCT
cblr-1712	920	6	rules	rule	NOUN
cblr-1712	920	7	and	and	CCONJ
cblr-1712	920	8	regulations	regulation	NOUN
cblr-1712	920	9	implementing	implement	VERB
cblr-1712	920	10	the	the	DET
cblr-1712	920	11	telephone	telephone	NOUN
cblr-1712	920	12	consumer	consumer	NOUN
cblr-1712	920	13	protection	protection	NOUN
cblr-1712	920	14	act	act	NOUN
cblr-1712	920	15	of	of	ADP
cblr-1712	920	16	1991	1991	NUM
cblr-1712	920	17	,	,	PUNCT
cblr-1712	920	18	23	23	NUM
cblr-1712	920	19	f.c.c.r	f.c.c.r	PROPN
cblr-1712	920	20	.	.	PROPN
cblr-1712	921	1	559	559	NUM
cblr-1712	921	2	,	,	PUNCT
cblr-1712	921	3	564	564	NUM
cblr-1712	921	4	(	(	PUNCT
cblr-1712	921	5	2008	2008	NUM
cblr-1712	921	6	)	)	PUNCT
cblr-1712	922	1	(	(	PUNCT
cblr-1712	922	2	concluding	conclude	VERB
cblr-1712	922	3	that	that	SCONJ
cblr-1712	922	4	giving	give	VERB
cblr-1712	922	5	a	a	DET
cblr-1712	922	6	“	"	PUNCT
cblr-1712	922	7	cell	cell	NOUN
cblr-1712	922	8	phone	phone	NOUN
cblr-1712	922	9	number	number	NOUN
cblr-1712	922	10	to	to	ADP
cblr-1712	922	11	a	a	DET
cblr-1712	922	12	creditor	creditor	NOUN
cblr-1712	922	13	,	,	PUNCT
cblr-1712	922	14	e.g.	e.g.	ADV
cblr-1712	922	15	,	,	PUNCT
cblr-1712	922	16	as	as	ADP
cblr-1712	922	17	part	part	NOUN
cblr-1712	922	18	of	of	ADP
cblr-1712	922	19	a	a	DET
cblr-1712	922	20	credit	credit	NOUN
cblr-1712	922	21	application	application	NOUN
cblr-1712	922	22	,	,	PUNCT
cblr-1712	922	23	reasonably	reasonably	ADV
cblr-1712	922	24	evidences	evidence	NOUN
cblr-1712	922	25	prior	prior	ADV
cblr-1712	922	26	express	express	ADJ
cblr-1712	922	27	consent	consent	NOUN
cblr-1712	922	28	by	by	ADP
cblr-1712	922	29	the	the	DET
cblr-1712	922	30	cell	cell	NOUN
cblr-1712	922	31	phone	phone	NOUN
cblr-1712	922	32	subscriber	subscriber	NOUN
cblr-1712	922	33	to	to	PART
cblr-1712	922	34	be	be	AUX
cblr-1712	922	35	contacted	contact	VERB
cblr-1712	922	36	at	at	ADP
cblr-1712	922	37	that	that	DET
cblr-1712	922	38	number	number	NOUN
cblr-1712	922	39	regarding	regard	VERB
cblr-1712	922	40	the	the	DET
cblr-1712	922	41	debt	debt	NOUN
cblr-1712	922	42	”	"	PUNCT
cblr-1712	922	43	)	)	PUNCT
cblr-1712	922	44	.	.	PUNCT
cblr-1712	923	1	167	167	NUM
cblr-1712	923	2	according	accord	VERB
cblr-1712	923	3	to	to	ADP
cblr-1712	923	4	a	a	DET
cblr-1712	923	5	decades	decade	NOUN
cblr-1712	923	6	-	-	PUNCT
cblr-1712	923	7	old	old	ADJ
cblr-1712	923	8	fcc	fcc	PROPN
cblr-1712	923	9	rule	rule	NOUN
cblr-1712	923	10	,	,	PUNCT
cblr-1712	923	11	“	"	PUNCT
cblr-1712	923	12	persons	person	NOUN
cblr-1712	923	13	who	who	PRON
cblr-1712	923	14	knowingly	knowingly	ADV
cblr-1712	923	15	release	release	VERB
cblr-1712	923	16	their	their	PRON
cblr-1712	923	17	phone	phone	NOUN
cblr-1712	923	18	numbers	number	NOUN
cblr-1712	923	19	have	have	AUX
cblr-1712	923	20	in	in	ADP
cblr-1712	923	21	effect	effect	NOUN
cblr-1712	923	22	given	give	VERB
cblr-1712	923	23	their	their	PRON
cblr-1712	923	24	invitation	invitation	NOUN
cblr-1712	923	25	or	or	CCONJ
cblr-1712	923	26	permission	permission	NOUN
cblr-1712	923	27	to	to	PART
cblr-1712	923	28	be	be	AUX
cblr-1712	923	29	called	call	VERB
cblr-1712	923	30	at	at	ADP
cblr-1712	923	31	the	the	DET
cblr-1712	923	32	number	number	NOUN
cblr-1712	923	33	which	which	PRON
cblr-1712	923	34	they	they	PRON
cblr-1712	923	35	have	have	AUX
cblr-1712	923	36	given	give	VERB
cblr-1712	923	37	,	,	PUNCT
cblr-1712	923	38	absent	absent	ADJ
cblr-1712	923	39	instructions	instruction	NOUN
cblr-1712	923	40	to	to	ADP
cblr-1712	923	41	the	the	DET
cblr-1712	923	42	contrary	contrary	NOUN
cblr-1712	923	43	.	.	PUNCT
cblr-1712	924	1	hence	hence	ADV
cblr-1712	924	2	,	,	PUNCT
cblr-1712	924	3	telemarketers	telemarketer	NOUN
cblr-1712	924	4	will	will	AUX
cblr-1712	924	5	not	not	PART
cblr-1712	924	6	violate	violate	VERB
cblr-1712	924	7	our	our	PRON
cblr-1712	924	8	rules	rule	NOUN
cblr-1712	924	9	by	by	ADP
cblr-1712	924	10	calling	call	VERB
cblr-1712	924	11	a	a	DET
cblr-1712	924	12	number	number	NOUN
cblr-1712	924	13	which	which	PRON
cblr-1712	924	14	was	be	AUX
cblr-1712	924	15	provided	provide	VERB
cblr-1712	924	16	as	as	ADP
cblr-1712	924	17	one	one	NUM
cblr-1712	924	18	at	at	ADP
cblr-1712	924	19	which	which	PRON
cblr-1712	924	20	the	the	DET
cblr-1712	924	21	called	call	VERB
cblr-1712	924	22	party	party	NOUN
cblr-1712	924	23	wishes	wish	VERB
cblr-1712	924	24	to	to	PART
cblr-1712	924	25	be	be	AUX
cblr-1712	924	26	reached	reach	VERB
cblr-1712	924	27	.	.	PUNCT
cblr-1712	924	28	”	"	PUNCT
cblr-1712	925	1	in	in	ADP
cblr-1712	925	2	re	re	PROPN
cblr-1712	925	3	rules	rule	NOUN
cblr-1712	925	4	&	&	CCONJ
cblr-1712	925	5	regulations	regulation	NOUN
cblr-1712	925	6	implementing	implement	VERB
cblr-1712	925	7	the	the	DET
cblr-1712	925	8	tel	tel	PROPN
cblr-1712	925	9	.	.	PUNCT
cblr-1712	925	10	consumer	consumer	NOUN
cblr-1712	925	11	prot	prot	NOUN
cblr-1712	925	12	.	.	PUNCT
cblr-1712	926	1	act	act	NOUN
cblr-1712	926	2	of	of	ADP
cblr-1712	926	3	1991	1991	NUM
cblr-1712	926	4	,	,	PUNCT
cblr-1712	926	5	7	7	NUM
cblr-1712	926	6	fcc	fcc	PROPN
cblr-1712	926	7	rcd	rcd	PROPN
cblr-1712	926	8	.	.	PUNCT
cblr-1712	927	1	at	at	ADP
cblr-1712	927	2	8769	8769	NUM
cblr-1712	927	3	;	;	PUNCT
cblr-1712	927	4	see	see	VERB
cblr-1712	927	5	also	also	ADV
cblr-1712	927	6	i	i	PROPN
cblr-1712	927	7	d.	d.	PROPN
cblr-1712	927	8	at	at	ADP
cblr-1712	927	9	8779	8779	NUM
cblr-1712	927	10	n.47	n.47	NOUN
cblr-1712	927	11	(	(	PUNCT
cblr-1712	927	12	“	"	PUNCT
cblr-1712	927	13	[	[	X
cblr-1712	927	14	s]ubscribers	s]ubscriber	NOUN
cblr-1712	927	15	may	may	AUX
cblr-1712	927	16	sever	sever	VERB
cblr-1712	927	17	any	any	DET
cblr-1712	927	18	business	business	NOUN
cblr-1712	927	19	relationship	relationship	NOUN
cblr-1712	927	20	,	,	PUNCT
cblr-1712	927	21	i.e.	i.e.	X
cblr-1712	927	22	,	,	PUNCT
cblr-1712	927	23	revoke	revoke	VERB
cblr-1712	927	24	consent	consent	NOUN
cblr-1712	927	25	to	to	ADP
cblr-1712	927	26	any	any	DET
cblr-1712	927	27	future	future	ADJ
cblr-1712	927	28	solicitations	solicitation	NOUN
cblr-1712	927	29	,	,	PUNCT
cblr-1712	927	30	by	by	ADP
cblr-1712	927	31	requesting	request	VERB
cblr-1712	927	32	that	that	SCONJ
cblr-1712	927	33	they	they	PRON
cblr-1712	927	34	not	not	PART
cblr-1712	927	35	receive	receive	VERB
cblr-1712	927	36	further	further	ADJ
cblr-1712	927	37	calls	call	NOUN
cblr-1712	927	38	from	from	ADP
cblr-1712	927	39	a	a	DET
cblr-1712	927	40	telemarketer	telemarketer	NOUN
cblr-1712	927	41	,	,	PUNCT
cblr-1712	927	42	.	.	PUNCT
cblr-1712	927	43	.	.	PUNCT
cblr-1712	927	44	.	.	PUNCT
cblr-1712	927	45	”	"	PUNCT
cblr-1712	927	46	)	)	PUNCT
cblr-1712	927	47	;	;	PUNCT
cblr-1712	927	48	elkins	elkins	PROPN
cblr-1712	927	49	v.	v.	ADP
cblr-1712	927	50	medco	medco	PROPN
cblr-1712	927	51	health	health	NOUN
cblr-1712	927	52	solutions	solutions	PROPN
cblr-1712	927	53	,	,	PUNCT
cblr-1712	927	54	inc	inc	PROPN
cblr-1712	927	55	.	.	PROPN
cblr-1712	927	56	,	,	PUNCT
cblr-1712	927	57	no	no	INTJ
cblr-1712	927	58	.	.	NOUN
cblr-1712	927	59	12	12	NUM
cblr-1712	927	60	-	-	PUNCT
cblr-1712	927	61	cv-5617	cv-5617	NOUN
cblr-1712	927	62	(	(	PUNCT
cblr-1712	927	63	n.d	n.d	PROPN
cblr-1712	927	64	.	.	PROPN
cblr-1712	927	65	ill	ill	PROPN
cblr-1712	927	66	.	.	PROPN
cblr-1712	927	67	2012	2012	NUM
cblr-1712	927	68	)	)	PUNCT
cblr-1712	927	69	,	,	PUNCT
cblr-1712	927	70	transferred	transfer	VERB
cblr-1712	927	71	&	&	CCONJ
cblr-1712	927	72	decided	decide	VERB
cblr-1712	927	73	on	on	ADP
cblr-1712	927	74	summary	summary	NOUN
cblr-1712	927	75	judgment	judgment	NOUN
cblr-1712	928	1	no	no	INTJ
cblr-1712	928	2	.	.	PUNCT
cblr-1712	929	1	4:12	4:12	NUM
cblr-1712	929	2	-	-	PUNCT
cblr-1712	929	3	cv-2141	cv-2141	NOUN
cblr-1712	929	4	,	,	PUNCT
cblr-1712	929	5	2014	2014	NUM
cblr-1712	929	6	wl	wl	NOUN
cblr-1712	929	7	1663406	1663406	NUM
cblr-1712	929	8	,	,	PUNCT
cblr-1712	929	9	at	at	ADP
cblr-1712	929	10	*	*	NOUN
cblr-1712	929	11	3	3	NUM
cblr-1712	929	12	(	(	PUNCT
cblr-1712	929	13	e.d	e.d	PROPN
cblr-1712	929	14	.	.	PROPN
cblr-1712	929	15	mo	mo	PROPN
cblr-1712	929	16	.	.	PROPN
cblr-1712	929	17	apr	apr	PROPN
cblr-1712	929	18	.	.	PROPN
cblr-1712	929	19	25	25	NUM
cblr-1712	929	20	,	,	PUNCT
cblr-1712	929	21	2014	2014	NUM
cblr-1712	929	22	)	)	PUNCT
cblr-1712	929	23	.	.	PUNCT
cblr-1712	930	1	168	168	NUM
cblr-1712	930	2	edeh	edeh	NOUN
cblr-1712	930	3	v.	v.	ADP
cblr-1712	930	4	midland	midland	PROPN
cblr-1712	930	5	credit	credit	PROPN
cblr-1712	930	6	mgmt	mgmt	PROPN
cblr-1712	930	7	.	.	PUNCT
cblr-1712	930	8	inc	inc	PROPN
cblr-1712	930	9	.	.	PROPN
cblr-1712	930	10	,	,	PUNCT
cblr-1712	930	11	748	748	NUM
cblr-1712	930	12	f.	f.	PROPN
cblr-1712	930	13	supp	supp	PROPN
cblr-1712	930	14	.	.	PUNCT
cblr-1712	931	1	2d	2d	PROPN
cblr-1712	931	2	1030	1030	NUM
cblr-1712	931	3	,	,	PUNCT
cblr-1712	931	4	1038	1038	NUM
cblr-1712	931	5	(	(	PUNCT
cblr-1712	931	6	d.	d.	PROPN
cblr-1712	931	7	minn	minn	PROPN
cblr-1712	931	8	.	.	PROPN
cblr-1712	931	9	2010	2010	NUM
cblr-1712	931	10	)	)	PUNCT
cblr-1712	931	11	;	;	PUNCT
cblr-1712	931	12	thrasher	thrasher	NOUN
cblr-1712	931	13	-	-	PUNCT
cblr-1712	931	14	lyon	lyon	PROPN
cblr-1712	931	15	v.	v.	ADP
cblr-1712	931	16	illinois	illinois	PROPN
cblr-1712	931	17	farmers	farmers	PROPN
cblr-1712	931	18	commercial	commercial	PROPN
cblr-1712	931	19	ins	ins	PROPN
cblr-1712	931	20	.	.	PUNCT
cblr-1712	931	21	co.	co.	PROPN
cblr-1712	931	22	,	,	PUNCT
cblr-1712	931	23	861	861	NUM
cblr-1712	931	24	f.	f.	PROPN
cblr-1712	931	25	supp	supp	PROPN
cblr-1712	931	26	.	.	PUNCT
cblr-1712	932	1	2d	2d	PROPN
cblr-1712	932	2	898	898	NUM
cblr-1712	932	3	,	,	PUNCT
cblr-1712	932	4	907	907	NUM
cblr-1712	932	5	(	(	PUNCT
cblr-1712	932	6	n.d	n.d	PROPN
cblr-1712	932	7	.	.	PROPN
cblr-1712	932	8	ill	ill	PROPN
cblr-1712	932	9	.	.	PROPN
cblr-1712	932	10	2012	2012	NUM
cblr-1712	932	11	)	)	PUNCT
cblr-1712	932	12	(	(	PUNCT
cblr-1712	932	13	holding	hold	VERB
cblr-1712	932	14	that	that	PRON
cblr-1712	932	15	while	while	SCONJ
cblr-1712	932	16	providing	provide	VERB
cblr-1712	932	17	a	a	DET
cblr-1712	932	18	phone	phone	NOUN
cblr-1712	932	19	number	number	NOUN
cblr-1712	932	20	to	to	ADP
cblr-1712	932	21	a	a	DET
cblr-1712	932	22	creditor	creditor	NOUN
cblr-1712	932	23	may	may	AUX
cblr-1712	932	24	establish	establish	VERB
cblr-1712	932	25	consent	consent	NOUN
cblr-1712	932	26	for	for	ADP
cblr-1712	932	27	auto	auto	NOUN
cblr-1712	932	28	-	-	PUNCT
cblr-1712	932	29	dialed	dial	VERB
cblr-1712	932	30	calls	call	NOUN
cblr-1712	932	31	from	from	ADP
cblr-1712	932	32	the	the	DET
cblr-1712	932	33	creditor	creditor	NOUN
cblr-1712	932	34	,	,	PUNCT
cblr-1712	932	35	this	this	PRON
cblr-1712	932	36	does	do	AUX
cblr-1712	932	37	not	not	PART
cblr-1712	932	38	establish	establish	VERB
cblr-1712	932	39	express	express	ADJ
cblr-1712	932	40	consent	consent	NOUN
cblr-1712	932	41	to	to	PART
cblr-1712	932	42	receive	receive	VERB
cblr-1712	932	43	such	such	ADJ
cblr-1712	932	44	calls	call	NOUN
cblr-1712	932	45	from	from	ADP
cblr-1712	932	46	a	a	DET
cblr-1712	932	47	debt	debt	NOUN
cblr-1712	932	48	collection	collection	NOUN
cblr-1712	932	49	company	company	NOUN
cblr-1712	932	50	acting	act	VERB
cblr-1712	932	51	as	as	ADP
cblr-1712	932	52	an	an	DET
cblr-1712	932	53	agent	agent	NOUN
cblr-1712	932	54	of	of	ADP
cblr-1712	932	55	the	the	DET
cblr-1712	932	56	creditor	creditor	NOUN
cblr-1712	932	57	)	)	PUNCT
cblr-1712	932	58	.	.	PUNCT
cblr-1712	933	1	johnston	johnston	PROPN
cblr-1712	933	2	–	–	PUNCT
cblr-1712	933	3	final	final	ADJ
cblr-1712	933	4	no	no	NOUN
cblr-1712	933	5	.	.	NOUN
cblr-1712	933	6	1:1	1:1	NUM
cblr-1712	933	7	]	]	X
cblr-1712	933	8	high	high	ADJ
cblr-1712	933	9	cost	cost	NOUN
cblr-1712	933	10	,	,	PUNCT
cblr-1712	933	11	little	little	ADJ
cblr-1712	933	12	compensation	compensation	NOUN
cblr-1712	933	13	79	79	NUM
cblr-1712	933	14	effect	effect	NOUN
cblr-1712	933	15	on	on	ADP
cblr-1712	933	16	october	october	PROPN
cblr-1712	933	17	16	16	NUM
cblr-1712	933	18	,	,	PUNCT
cblr-1712	933	19	2013	2013	NUM
cblr-1712	933	20	,	,	PUNCT
cblr-1712	933	21	tcpa	tcpa	VERB
cblr-1712	933	22	defendants	defendant	NOUN
cblr-1712	933	23	in	in	ADP
cblr-1712	933	24	telemarketing	telemarketing	NOUN
cblr-1712	933	25	cases	case	NOUN
cblr-1712	933	26	must	must	AUX
cblr-1712	933	27	produce	produce	VERB
cblr-1712	933	28	a	a	DET
cblr-1712	933	29	“	"	PUNCT
cblr-1712	933	30	prior	prior	ADJ
cblr-1712	933	31	written	write	VERB
cblr-1712	933	32	consent	consent	NOUN
cblr-1712	933	33	,	,	PUNCT
cblr-1712	933	34	”	"	PUNCT
cblr-1712	933	35	where	where	SCONJ
cblr-1712	933	36	:	:	PUNCT
cblr-1712	934	1	[	[	X
cblr-1712	934	2	t]he	t]he	ADJ
cblr-1712	934	3	term	term	NOUN
cblr-1712	934	4	prior	prior	ADV
cblr-1712	934	5	express	express	ADJ
cblr-1712	934	6	written	write	VERB
cblr-1712	934	7	consent	consent	NOUN
cblr-1712	934	8	means	mean	VERB
cblr-1712	934	9	an	an	DET
cblr-1712	934	10	agreement	agreement	NOUN
cblr-1712	934	11	,	,	PUNCT
cblr-1712	934	12	in	in	ADP
cblr-1712	934	13	writing	writing	NOUN
cblr-1712	934	14	,	,	PUNCT
cblr-1712	934	15	bearing	bear	VERB
cblr-1712	934	16	the	the	DET
cblr-1712	934	17	signature	signature	NOUN
cblr-1712	934	18	of	of	ADP
cblr-1712	934	19	the	the	DET
cblr-1712	934	20	person	person	NOUN
cblr-1712	934	21	called	call	VERB
cblr-1712	934	22	that	that	PRON
cblr-1712	934	23	clearly	clearly	ADV
cblr-1712	934	24	authorizes	authorize	VERB
cblr-1712	934	25	the	the	DET
cblr-1712	934	26	seller	seller	NOUN
cblr-1712	934	27	to	to	PART
cblr-1712	934	28	deliver	deliver	VERB
cblr-1712	934	29	or	or	CCONJ
cblr-1712	934	30	cause	cause	VERB
cblr-1712	934	31	to	to	PART
cblr-1712	934	32	be	be	AUX
cblr-1712	934	33	delivered	deliver	VERB
cblr-1712	934	34	to	to	ADP
cblr-1712	934	35	the	the	DET
cblr-1712	934	36	person	person	NOUN
cblr-1712	934	37	called	call	VERB
cblr-1712	934	38	advertisements	advertisement	NOUN
cblr-1712	934	39	or	or	CCONJ
cblr-1712	934	40	telemarketing	telemarkete	VERB
cblr-1712	934	41	messages	message	NOUN
cblr-1712	934	42	using	use	VERB
cblr-1712	934	43	an	an	DET
cblr-1712	934	44	automatic	automatic	ADJ
cblr-1712	934	45	telephone	telephone	NOUN
cblr-1712	934	46	dialing	dialing	NOUN
cblr-1712	934	47	system	system	NOUN
cblr-1712	934	48	or	or	CCONJ
cblr-1712	934	49	an	an	DET
cblr-1712	934	50	artificial	artificial	ADJ
cblr-1712	934	51	or	or	CCONJ
cblr-1712	934	52	prerecorded	prerecorded	ADJ
cblr-1712	934	53	voice	voice	NOUN
cblr-1712	934	54	,	,	PUNCT
cblr-1712	934	55	and	and	CCONJ
cblr-1712	934	56	the	the	DET
cblr-1712	934	57	telephone	telephone	NOUN
cblr-1712	934	58	number	number	NOUN
cblr-1712	934	59	to	to	PART
cblr-1712	934	60	which	which	PRON
cblr-1712	934	61	the	the	DET
cblr-1712	934	62	signatory	signatory	NOUN
cblr-1712	934	63	authorizes	authorize	VERB
cblr-1712	934	64	such	such	ADJ
cblr-1712	934	65	advertisements	advertisement	NOUN
cblr-1712	934	66	or	or	CCONJ
cblr-1712	934	67	telemarketing	telemarkete	VERB
cblr-1712	934	68	messages	message	NOUN
cblr-1712	934	69	to	to	PART
cblr-1712	934	70	be	be	AUX
cblr-1712	934	71	delivered.169	delivered.169	VERB
cblr-1712	934	72	such	such	ADJ
cblr-1712	934	73	written	write	VERB
cblr-1712	934	74	agreement	agreement	NOUN
cblr-1712	934	75	must	must	AUX
cblr-1712	934	76	include	include	VERB
cblr-1712	934	77	a	a	DET
cblr-1712	934	78	“	"	PUNCT
cblr-1712	934	79	clear	clear	ADJ
cblr-1712	934	80	and	and	CCONJ
cblr-1712	934	81	conspicuous	conspicuous	ADJ
cblr-1712	934	82	disclosure	disclosure	NOUN
cblr-1712	934	83	”	"	PUNCT
cblr-1712	934	84	that	that	PRON
cblr-1712	934	85	informs	inform	VERB
cblr-1712	934	86	consumers	consumer	NOUN
cblr-1712	934	87	that	that	SCONJ
cblr-1712	934	88	they	they	PRON
cblr-1712	934	89	are	be	AUX
cblr-1712	934	90	not	not	PART
cblr-1712	934	91	required	require	VERB
cblr-1712	934	92	to	to	PART
cblr-1712	934	93	sign	sign	VERB
cblr-1712	934	94	the	the	DET
cblr-1712	934	95	agreement	agreement	NOUN
cblr-1712	934	96	as	as	ADP
cblr-1712	934	97	a	a	DET
cblr-1712	934	98	condition	condition	NOUN
cblr-1712	934	99	to	to	ADP
cblr-1712	934	100	receiving	receive	VERB
cblr-1712	934	101	any	any	DET
cblr-1712	934	102	good	good	NOUN
cblr-1712	934	103	or	or	CCONJ
cblr-1712	934	104	service	service	NOUN
cblr-1712	934	105	but	but	CCONJ
cblr-1712	934	106	that	that	SCONJ
cblr-1712	934	107	by	by	ADP
cblr-1712	934	108	signing	sign	VERB
cblr-1712	934	109	they	they	PRON
cblr-1712	934	110	consent	consent	VERB
cblr-1712	934	111	to	to	ADP
cblr-1712	934	112	receiving	receive	VERB
cblr-1712	934	113	telemarketing	telemarketing	NOUN
cblr-1712	934	114	calls.170	calls.170	NOUN
cblr-1712	934	115	a	a	DET
cblr-1712	934	116	final	final	ADJ
cblr-1712	934	117	commonly	commonly	ADV
cblr-1712	934	118	occurring	occur	VERB
cblr-1712	934	119	problem	problem	NOUN
cblr-1712	934	120	with	with	ADP
cblr-1712	934	121	the	the	DET
cblr-1712	934	122	consent	consent	NOUN
cblr-1712	934	123	defense	defense	NOUN
cblr-1712	934	124	to	to	ADP
cblr-1712	934	125	a	a	DET
cblr-1712	934	126	tcpa	tcpa	NOUN
cblr-1712	934	127	robocall	robocall	NOUN
cblr-1712	934	128	violation	violation	NOUN
cblr-1712	934	129	arises	arise	VERB
cblr-1712	934	130	when	when	SCONJ
cblr-1712	934	131	the	the	DET
cblr-1712	934	132	defendant	defendant	NOUN
cblr-1712	934	133	was	be	AUX
cblr-1712	934	134	provided	provide	VERB
cblr-1712	934	135	the	the	DET
cblr-1712	934	136	cellphone	cellphone	NOUN
cblr-1712	934	137	number	number	NOUN
cblr-1712	934	138	by	by	ADP
cblr-1712	934	139	a	a	DET
cblr-1712	934	140	customer	customer	NOUN
cblr-1712	934	141	but	but	CCONJ
cblr-1712	934	142	that	that	DET
cblr-1712	934	143	customer	customer	NOUN
cblr-1712	934	144	no	no	ADV
cblr-1712	934	145	longer	long	ADV
cblr-1712	934	146	owns	own	VERB
cblr-1712	934	147	the	the	DET
cblr-1712	934	148	number	number	NOUN
cblr-1712	934	149	.	.	PUNCT
cblr-1712	935	1	cellphone	cellphone	NOUN
cblr-1712	935	2	number	number	NOUN
cblr-1712	935	3	reassignments	reassignment	NOUN
cblr-1712	935	4	occur	occur	VERB
cblr-1712	935	5	with	with	ADP
cblr-1712	935	6	perhaps	perhaps	ADV
cblr-1712	935	7	surprising	surprising	ADJ
cblr-1712	935	8	frequency	frequency	NOUN
cblr-1712	935	9	,	,	PUNCT
cblr-1712	935	10	totaling	total	VERB
cblr-1712	935	11	(	(	PUNCT
cblr-1712	935	12	according	accord	VERB
cblr-1712	935	13	to	to	ADP
cblr-1712	935	14	one	one	NUM
cblr-1712	935	15	journalistic	journalistic	ADJ
cblr-1712	935	16	account	account	NOUN
cblr-1712	935	17	)	)	PUNCT
cblr-1712	935	18	about	about	ADV
cblr-1712	935	19	thirty	thirty	NUM
cblr-1712	935	20	-	-	PUNCT
cblr-1712	935	21	seven	seven	NUM
cblr-1712	935	22	million	million	NUM
cblr-1712	935	23	in	in	ADP
cblr-1712	935	24	2011.171	2011.171	NUM
cblr-1712	935	25	several	several	ADJ
cblr-1712	935	26	plaintiffs	plaintiff	NOUN
cblr-1712	935	27	in	in	ADP
cblr-1712	935	28	the	the	DET
cblr-1712	935	29	tcpa	tcpa	NOUN
cblr-1712	935	30	cases	case	NOUN
cblr-1712	935	31	in	in	ADP
cblr-1712	935	32	the	the	DET
cblr-1712	935	33	illinois	illinois	PROPN
cblr-1712	935	34	data	datum	NOUN
cblr-1712	935	35	were	be	AUX
cblr-1712	935	36	called	call	VERB
cblr-1712	935	37	on	on	ADP
cblr-1712	935	38	cellphone	cellphone	NOUN
cblr-1712	935	39	numbers	number	NOUN
cblr-1712	935	40	that	that	PRON
cblr-1712	935	41	had	have	AUX
cblr-1712	935	42	been	be	AUX
cblr-1712	935	43	given	give	VERB
cblr-1712	935	44	to	to	ADP
cblr-1712	935	45	defendants	defendant	NOUN
cblr-1712	935	46	not	not	PART
cblr-1712	935	47	by	by	ADP
cblr-1712	935	48	the	the	DET
cblr-1712	935	49	plaintiffs	plaintiff	NOUN
cblr-1712	935	50	but	but	CCONJ
cblr-1712	935	51	by	by	ADP
cblr-1712	935	52	previous	previous	ADJ
cblr-1712	935	53	holders	holder	NOUN
cblr-1712	935	54	of	of	ADP
cblr-1712	935	55	that	that	DET
cblr-1712	935	56	number.172	number.172	NOUN
cblr-1712	935	57	in	in	ADP
cblr-1712	935	58	such	such	ADJ
cblr-1712	935	59	cases	case	NOUN
cblr-1712	935	60	,	,	PUNCT
cblr-1712	935	61	defendants	defendant	NOUN
cblr-1712	935	62	argued	argue	VERB
cblr-1712	935	63	that	that	SCONJ
cblr-1712	935	64	they	they	PRON
cblr-1712	935	65	had	have	AUX
cblr-1712	935	66	“	"	PUNCT
cblr-1712	935	67	consent	consent	NOUN
cblr-1712	935	68	”	"	PUNCT
cblr-1712	935	69	under	under	ADP
cblr-1712	935	70	the	the	DET
cblr-1712	935	71	tcpa	tcpa	NOUN
cblr-1712	935	72	to	to	PART
cblr-1712	935	73	make	make	VERB
cblr-1712	935	74	such	such	ADJ
cblr-1712	935	75	calls	call	NOUN
cblr-1712	935	76	.	.	PUNCT
cblr-1712	936	1	plaintiffs	plaintiff	NOUN
cblr-1712	936	2	argued	argue	VERB
cblr-1712	936	3	that	that	SCONJ
cblr-1712	936	4	when	when	SCONJ
cblr-1712	936	5	congress	congress	PROPN
cblr-1712	936	6	allowed	allow	VERB
cblr-1712	936	7	robocalls	robocall	NOUN
cblr-1712	936	8	made	make	VERB
cblr-1712	936	9	with	with	ADP
cblr-1712	936	10	the	the	DET
cblr-1712	936	11	prior	prior	ADJ
cblr-1712	936	12	express	express	ADJ
cblr-1712	936	13	169	169	NUM
cblr-1712	936	14	47	47	NUM
cblr-1712	936	15	c.f.r	c.f.r	NOUN
cblr-1712	936	16	.	.	PUNCT
cblr-1712	937	1	§	§	PROPN
cblr-1712	937	2	64.1200(f)(8	64.1200(f)(8	NUM
cblr-1712	937	3	)	)	PUNCT
cblr-1712	937	4	(	(	PUNCT
cblr-1712	937	5	2012	2012	NUM
cblr-1712	937	6	)	)	PUNCT
cblr-1712	937	7	.	.	PUNCT
cblr-1712	938	1	170	170	NUM
cblr-1712	939	1	§	§	PROPN
cblr-1712	939	2	§	§	PROPN
cblr-1712	939	3	64.1200(f)(8)(i)(a	64.1200(f)(8)(i)(a	NUM
cblr-1712	939	4	)	)	PUNCT
cblr-1712	939	5	,	,	PUNCT
cblr-1712	939	6	(	(	PUNCT
cblr-1712	939	7	b	b	NOUN
cblr-1712	939	8	)	)	PUNCT
cblr-1712	939	9	.	.	PUNCT
cblr-1712	940	1	171	171	NUM
cblr-1712	940	2	alyssa	alyssa	PROPN
cblr-1712	940	3	abkowitz	abkowitz	NOUN
cblr-1712	940	4	,	,	PUNCT
cblr-1712	940	5	wrong	wrong	ADJ
cblr-1712	940	6	number	number	NOUN
cblr-1712	940	7	?	?	PUNCT
cblr-1712	940	8	blame	blame	VERB
cblr-1712	940	9	companies	company	NOUN
cblr-1712	940	10	’	'	PUNCT
cblr-1712	940	11	recycling	recycling	NOUN
cblr-1712	940	12	,	,	PUNCT
cblr-1712	940	13	wall	wall	PROPN
cblr-1712	940	14	st	st	PROPN
cblr-1712	940	15	.	.	PROPN
cblr-1712	940	16	j.	j.	PROPN
cblr-1712	941	1	(	(	PUNCT
cblr-1712	941	2	dec	dec	PROPN
cblr-1712	941	3	.	.	PROPN
cblr-1712	941	4	1	1	NUM
cblr-1712	941	5	,	,	PUNCT
cblr-1712	941	6	2011	2011	NUM
cblr-1712	941	7	)	)	PUNCT
cblr-1712	941	8	,	,	PUNCT
cblr-1712	941	9	http://www.wsj.com/	http://www.wsj.com/	NOUN
cblr-1712	941	10	articles	article	NOUN
cblr-1712	941	11	/	/	SYM
cblr-1712	941	12	sb10001424052970204012004577070122687462582	sb10001424052970204012004577070122687462582	PROPN
cblr-1712	941	13	.	.	PUNCT
cblr-1712	942	1	172	172	NUM
cblr-1712	942	2	see	see	VERB
cblr-1712	942	3	,	,	PUNCT
cblr-1712	942	4	e.g.	e.g.	ADV
cblr-1712	942	5	,	,	PUNCT
cblr-1712	942	6	soppet	soppet	NOUN
cblr-1712	942	7	v.	v.	ADP
cblr-1712	942	8	enhanced	enhanced	PROPN
cblr-1712	942	9	recovery	recovery	PROPN
cblr-1712	942	10	co.	co.	PROPN
cblr-1712	942	11	,	,	PUNCT
cblr-1712	942	12	no	no	INTJ
cblr-1712	942	13	.	.	NOUN
cblr-1712	943	1	10	10	NUM
cblr-1712	943	2	-	-	PUNCT
cblr-1712	943	3	cv-5469	cv-5469	NOUN
cblr-1712	943	4	,	,	PUNCT
cblr-1712	943	5	2011	2011	NUM
cblr-1712	943	6	wl	wl	NOUN
cblr-1712	943	7	3704681	3704681	NUM
cblr-1712	943	8	,	,	PUNCT
cblr-1712	943	9	at	at	ADP
cblr-1712	943	10	*	*	NOUN
cblr-1712	943	11	2	2	NUM
cblr-1712	943	12	(	(	PUNCT
cblr-1712	943	13	n.d	n.d	PROPN
cblr-1712	943	14	.	.	PROPN
cblr-1712	943	15	ill	ill	PROPN
cblr-1712	943	16	.	.	PUNCT
cblr-1712	944	1	aug	aug	PROPN
cblr-1712	944	2	.	.	PROPN
cblr-1712	944	3	21	21	NUM
cblr-1712	944	4	,	,	PUNCT
cblr-1712	944	5	2011	2011	NUM
cblr-1712	944	6	)	)	PUNCT
cblr-1712	944	7	.	.	PUNCT
cblr-1712	945	1	johnston	johnston	PROPN
cblr-1712	945	2	–	–	PUNCT
cblr-1712	945	3	final	final	ADJ
cblr-1712	945	4	80	80	NUM
cblr-1712	945	5	columbia	columbia	PROPN
cblr-1712	945	6	business	business	NOUN
cblr-1712	945	7	law	law	NOUN
cblr-1712	945	8	review	review	NOUN
cblr-1712	945	9	[	[	X
cblr-1712	945	10	vol	vol	NOUN
cblr-1712	945	11	.	.	PUNCT
cblr-1712	945	12	2017	2017	NUM
cblr-1712	945	13	consent	consent	NOUN
cblr-1712	945	14	of	of	ADP
cblr-1712	945	15	the	the	DET
cblr-1712	945	16	“	"	PUNCT
cblr-1712	945	17	called	call	VERB
cblr-1712	945	18	party	party	NOUN
cblr-1712	945	19	”	"	PUNCT
cblr-1712	945	20	in	in	ADP
cblr-1712	945	21	the	the	DET
cblr-1712	945	22	tcpa,173	tcpa,173	NOUN
cblr-1712	945	23	it	it	PRON
cblr-1712	945	24	meant	mean	VERB
cblr-1712	945	25	the	the	DET
cblr-1712	945	26	party	party	NOUN
cblr-1712	945	27	actually	actually	ADV
cblr-1712	945	28	called	call	VERB
cblr-1712	945	29	.	.	PUNCT
cblr-1712	946	1	plaintiffs	plaintiff	NOUN
cblr-1712	946	2	also	also	ADV
cblr-1712	946	3	argued	argue	VERB
cblr-1712	946	4	that	that	SCONJ
cblr-1712	946	5	congress	congress	PROPN
cblr-1712	946	6	did	do	AUX
cblr-1712	946	7	not	not	PART
cblr-1712	946	8	create	create	VERB
cblr-1712	946	9	an	an	DET
cblr-1712	946	10	implicit	implicit	ADJ
cblr-1712	946	11	exception	exception	NOUN
cblr-1712	946	12	for	for	ADP
cblr-1712	946	13	calls	call	NOUN
cblr-1712	946	14	inadvertently	inadvertently	ADV
cblr-1712	946	15	made	make	VERB
cblr-1712	946	16	to	to	ADP
cblr-1712	946	17	people	people	NOUN
cblr-1712	946	18	who	who	PRON
cblr-1712	946	19	had	have	AUX
cblr-1712	946	20	never	never	ADV
cblr-1712	946	21	actually	actually	ADV
cblr-1712	946	22	consented	consent	VERB
cblr-1712	946	23	.	.	PUNCT
cblr-1712	947	1	thus	thus	ADV
cblr-1712	947	2	far	far	ADV
cblr-1712	947	3	,	,	PUNCT
cblr-1712	947	4	the	the	DET
cblr-1712	947	5	federal	federal	ADJ
cblr-1712	947	6	courts	court	NOUN
cblr-1712	947	7	of	of	ADP
cblr-1712	947	8	appeals	appeal	NOUN
cblr-1712	947	9	have	have	AUX
cblr-1712	947	10	sided	side	VERB
cblr-1712	947	11	with	with	ADP
cblr-1712	947	12	the	the	DET
cblr-1712	947	13	plaintiffs	plaintiff	NOUN
cblr-1712	947	14	,	,	PUNCT
cblr-1712	947	15	uniformly	uniformly	ADV
cblr-1712	947	16	holding	hold	VERB
cblr-1712	947	17	that	that	SCONJ
cblr-1712	947	18	when	when	SCONJ
cblr-1712	947	19	congress	congress	PROPN
cblr-1712	947	20	said	say	VERB
cblr-1712	947	21	that	that	SCONJ
cblr-1712	947	22	the	the	DET
cblr-1712	947	23	“	"	PUNCT
cblr-1712	947	24	called	call	VERB
cblr-1712	947	25	party	party	NOUN
cblr-1712	947	26	”	"	PUNCT
cblr-1712	947	27	needs	need	VERB
cblr-1712	947	28	to	to	PART
cblr-1712	947	29	have	have	AUX
cblr-1712	947	30	consented	consent	VERB
cblr-1712	947	31	,	,	PUNCT
cblr-1712	947	32	it	it	PRON
cblr-1712	947	33	meant	mean	VERB
cblr-1712	947	34	the	the	DET
cblr-1712	947	35	current	current	ADJ
cblr-1712	947	36	phone	phone	NOUN
cblr-1712	947	37	subscriber.174	subscriber.174	CCONJ
cblr-1712	947	38	such	such	ADJ
cblr-1712	947	39	decisions	decision	NOUN
cblr-1712	947	40	may	may	AUX
cblr-1712	947	41	seem	seem	VERB
cblr-1712	947	42	relatively	relatively	ADV
cblr-1712	947	43	straightforward	straightforward	ADJ
cblr-1712	947	44	as	as	ADP
cblr-1712	947	45	a	a	DET
cblr-1712	947	46	matter	matter	NOUN
cblr-1712	947	47	of	of	ADP
cblr-1712	947	48	statutory	statutory	ADJ
cblr-1712	947	49	interpretation	interpretation	NOUN
cblr-1712	947	50	,	,	PUNCT
cblr-1712	947	51	but	but	CCONJ
cblr-1712	947	52	they	they	PRON
cblr-1712	947	53	raise	raise	VERB
cblr-1712	947	54	deeper	deep	ADJ
cblr-1712	947	55	issues	issue	NOUN
cblr-1712	947	56	regarding	regard	VERB
cblr-1712	947	57	the	the	DET
cblr-1712	947	58	normative	normative	ADJ
cblr-1712	947	59	desirability	desirability	NOUN
cblr-1712	947	60	of	of	ADP
cblr-1712	947	61	tcpa	tcpa	NOUN
cblr-1712	947	62	liability	liability	NOUN
cblr-1712	947	63	.	.	PUNCT
cblr-1712	948	1	prominent	prominent	ADJ
cblr-1712	948	2	commentators175	commentators175	PROPN
cblr-1712	948	3	have	have	AUX
cblr-1712	948	4	argued	argue	VERB
cblr-1712	948	5	that	that	SCONJ
cblr-1712	948	6	by	by	ADP
cblr-1712	948	7	threatening	threaten	VERB
cblr-1712	948	8	companies	company	NOUN
cblr-1712	948	9	with	with	ADP
cblr-1712	948	10	the	the	DET
cblr-1712	948	11	kind	kind	NOUN
cblr-1712	948	12	of	of	ADP
cblr-1712	948	13	multi	multi	ADJ
cblr-1712	948	14	-	-	ADJ
cblr-1712	948	15	million	million	NUM
cblr-1712	948	16	-	-	PUNCT
cblr-1712	948	17	dollar	dollar	NOUN
cblr-1712	948	18	class	class	NOUN
cblr-1712	948	19	-	-	PUNCT
cblr-1712	948	20	action	action	NOUN
cblr-1712	948	21	settlements	settlement	NOUN
cblr-1712	948	22	found	find	VERB
cblr-1712	948	23	in	in	ADP
cblr-1712	948	24	the	the	DET
cblr-1712	948	25	illinois	illinois	PROPN
cblr-1712	948	26	data	data	PROPN
cblr-1712	948	27	,	,	PUNCT
cblr-1712	948	28	tcpa	tcpa	NOUN
cblr-1712	948	29	liability	liability	NOUN
cblr-1712	948	30	for	for	ADP
cblr-1712	948	31	robocalls	robocall	NOUN
cblr-1712	948	32	inadvertently	inadvertently	ADV
cblr-1712	948	33	made	make	VERB
cblr-1712	948	34	to	to	ADP
cblr-1712	948	35	the	the	DET
cblr-1712	948	36	wrong	wrong	ADJ
cblr-1712	948	37	person	person	NOUN
cblr-1712	948	38	will	will	AUX
cblr-1712	948	39	chill	chill	VERB
cblr-1712	948	40	valuable	valuable	ADJ
cblr-1712	948	41	communications	communication	NOUN
cblr-1712	948	42	,	,	PUNCT
cblr-1712	948	43	such	such	ADJ
cblr-1712	948	44	as	as	ADP
cblr-1712	948	45	calls	call	NOUN
cblr-1712	948	46	sending	send	VERB
cblr-1712	948	47	fraud	fraud	NOUN
cblr-1712	948	48	and	and	CCONJ
cblr-1712	948	49	identify	identify	VERB
cblr-1712	948	50	theft	theft	NOUN
cblr-1712	948	51	alerts	alert	NOUN
cblr-1712	948	52	and	and	CCONJ
cblr-1712	948	53	reminders	reminder	NOUN
cblr-1712	948	54	of	of	ADP
cblr-1712	948	55	appointment	appointment	NOUN
cblr-1712	948	56	and	and	CCONJ
cblr-1712	948	57	due	due	ADJ
cblr-1712	948	58	dates	date	NOUN
cblr-1712	948	59	.	.	PUNCT
cblr-1712	949	1	other	other	ADJ
cblr-1712	949	2	commentators	commentator	NOUN
cblr-1712	949	3	have	have	AUX
cblr-1712	949	4	found	find	VERB
cblr-1712	949	5	it	it	PRON
cblr-1712	949	6	“	"	PUNCT
cblr-1712	949	7	amazing	amazing	ADJ
cblr-1712	949	8	”	"	PUNCT
cblr-1712	949	9	that	that	PRON
cblr-1712	949	10	tcpa	tcpa	VERB
cblr-1712	949	11	liability	liability	NOUN
cblr-1712	949	12	in	in	ADP
cblr-1712	949	13	this	this	DET
cblr-1712	949	14	situation	situation	NOUN
cblr-1712	949	15	is	be	AUX
cblr-1712	949	16	even	even	ADV
cblr-1712	949	17	a	a	DET
cblr-1712	949	18	“	"	PUNCT
cblr-1712	949	19	topic	topic	NOUN
cblr-1712	949	20	of	of	ADP
cblr-1712	949	21	debate	debate	NOUN
cblr-1712	949	22	,	,	PUNCT
cblr-1712	949	23	”	"	PUNCT
cblr-1712	949	24	reflecting	reflect	VERB
cblr-1712	949	25	the	the	DET
cblr-1712	949	26	current	current	ADJ
cblr-1712	949	27	“	"	PUNCT
cblr-1712	949	28	zeitgeist	zeitgeist	NOUN
cblr-1712	949	29	”	"	PUNCT
cblr-1712	949	30	in	in	ADP
cblr-1712	949	31	which	which	PRON
cblr-1712	949	32	the	the	DET
cblr-1712	949	33	potential	potential	NOUN
cblr-1712	949	34	for	for	SCONJ
cblr-1712	949	35	liability	liability	NOUN
cblr-1712	949	36	to	to	PART
cblr-1712	949	37	increase	increase	VERB
cblr-1712	949	38	firm	firm	ADJ
cblr-1712	949	39	costs	cost	NOUN
cblr-1712	949	40	and	and	CCONJ
cblr-1712	949	41	prices	price	NOUN
cblr-1712	949	42	itself	itself	PRON
cblr-1712	949	43	counts	count	VERB
cblr-1712	949	44	as	as	ADP
cblr-1712	949	45	an	an	DET
cblr-1712	949	46	argument	argument	NOUN
cblr-1712	949	47	against	against	ADP
cblr-1712	949	48	liability.176	liability.176	NOUN
cblr-1712	949	49	still	still	ADV
cblr-1712	949	50	,	,	PUNCT
cblr-1712	949	51	the	the	DET
cblr-1712	949	52	inadvertent	inadvertent	ADJ
cblr-1712	949	53	wrong	wrong	ADJ
cblr-1712	949	54	number	number	NOUN
cblr-1712	949	55	tcpa	tcpa	NOUN
cblr-1712	949	56	debt	debt	NOUN
cblr-1712	949	57	collection	collection	NOUN
cblr-1712	949	58	calls	call	NOUN
cblr-1712	949	59	are	be	AUX
cblr-1712	949	60	yet	yet	ADV
cblr-1712	949	61	another	another	DET
cblr-1712	949	62	indication	indication	NOUN
cblr-1712	949	63	of	of	ADP
cblr-1712	949	64	the	the	DET
cblr-1712	949	65	questionable	questionable	ADJ
cblr-1712	949	66	utility	utility	NOUN
cblr-1712	949	67	on	on	ADP
cblr-1712	949	68	deterrence	deterrence	NOUN
cblr-1712	949	69	grounds	ground	NOUN
cblr-1712	949	70	of	of	ADP
cblr-1712	949	71	many	many	ADJ
cblr-1712	949	72	tcpa	tcpa	NOUN
cblr-1712	949	73	class	class	NOUN
cblr-1712	949	74	settlements	settlement	NOUN
cblr-1712	949	75	.	.	PUNCT
cblr-1712	950	1	173	173	NUM
cblr-1712	950	2	47	47	NUM
cblr-1712	950	3	u.s.c	u.s.c	ADJ
cblr-1712	950	4	.	.	PUNCT
cblr-1712	951	1	§	§	PROPN
cblr-1712	951	2	227(b)(1)(a)(iii	227(b)(1)(a)(iii	NUM
cblr-1712	951	3	)	)	PUNCT
cblr-1712	951	4	(	(	PUNCT
cblr-1712	951	5	2012	2012	NUM
cblr-1712	951	6	)	)	PUNCT
cblr-1712	951	7	.	.	PUNCT
cblr-1712	952	1	174	174	NUM
cblr-1712	952	2	see	see	VERB
cblr-1712	952	3	osorio	osorio	PROPN
cblr-1712	952	4	v.	v.	ADP
cblr-1712	952	5	state	state	PROPN
cblr-1712	952	6	farm	farm	PROPN
cblr-1712	952	7	bank	bank	PROPN
cblr-1712	952	8	,	,	PUNCT
cblr-1712	952	9	746	746	NUM
cblr-1712	952	10	f.3d	f.3d	NUM
cblr-1712	952	11	1242	1242	NUM
cblr-1712	952	12	,	,	PUNCT
cblr-1712	952	13	1251	1251	NUM
cblr-1712	952	14	(	(	PUNCT
cblr-1712	952	15	11th	11th	ADJ
cblr-1712	952	16	cir	cir	NOUN
cblr-1712	952	17	.	.	PROPN
cblr-1712	952	18	2014	2014	NUM
cblr-1712	952	19	)	)	PUNCT
cblr-1712	952	20	;	;	PUNCT
cblr-1712	952	21	soppet	soppet	NOUN
cblr-1712	952	22	v.	v.	ADP
cblr-1712	952	23	enhanced	enhanced	PROPN
cblr-1712	952	24	recovery	recovery	PROPN
cblr-1712	952	25	co.	co.	PROPN
cblr-1712	952	26	,	,	PUNCT
cblr-1712	952	27	679	679	NUM
cblr-1712	952	28	f.3d	f.3d	NUM
cblr-1712	952	29	637	637	NUM
cblr-1712	952	30	(	(	PUNCT
cblr-1712	952	31	7th	7th	ADJ
cblr-1712	952	32	cir	cir	NOUN
cblr-1712	952	33	.	.	PROPN
cblr-1712	952	34	2012	2012	NUM
cblr-1712	952	35	)	)	PUNCT
cblr-1712	952	36	.	.	PUNCT
cblr-1712	953	1	175	175	NUM
cblr-1712	953	2	see	see	VERB
cblr-1712	953	3	adonis	adonis	PROPN
cblr-1712	953	4	hoffman	hoffman	PROPN
cblr-1712	953	5	,	,	PUNCT
cblr-1712	953	6	sorry	sorry	ADJ
cblr-1712	953	7	,	,	PUNCT
cblr-1712	953	8	wrong	wrong	ADJ
cblr-1712	953	9	number	number	NOUN
cblr-1712	953	10	,	,	PUNCT
cblr-1712	953	11	now	now	ADV
cblr-1712	953	12	pay	pay	VERB
cblr-1712	953	13	up	up	ADP
cblr-1712	953	14	,	,	PUNCT
cblr-1712	953	15	wall	wall	PROPN
cblr-1712	953	16	st	st	PROPN
cblr-1712	953	17	.	.	PROPN
cblr-1712	953	18	j.	j.	PROPN
cblr-1712	953	19	,	,	PUNCT
cblr-1712	953	20	(	(	PUNCT
cblr-1712	953	21	june	june	PROPN
cblr-1712	953	22	15	15	NUM
cblr-1712	953	23	,	,	PUNCT
cblr-1712	953	24	2015	2015	NUM
cblr-1712	953	25	)	)	PUNCT
cblr-1712	953	26	,	,	PUNCT
cblr-1712	953	27	http://www.wsj.com/articles/sorry-wrong-numbernow-pay-up-1434409610?keywords=sorry+wrong+number	http://www.wsj.com/articles/sorry-wrong-numbernow-pay-up-1434409610?keywords=sorry+wrong+number	NUM
cblr-1712	953	28	.	.	PUNCT
cblr-1712	954	1	176	176	NUM
cblr-1712	954	2	lincoln	lincoln	PROPN
cblr-1712	954	3	caplan	caplan	PROPN
cblr-1712	954	4	,	,	PUNCT
cblr-1712	954	5	paying	pay	VERB
cblr-1712	954	6	for	for	ADP
cblr-1712	954	7	robo	robo	NOUN
cblr-1712	954	8	-	-	PUNCT
cblr-1712	954	9	calls	call	NOUN
cblr-1712	954	10	,	,	PUNCT
cblr-1712	954	11	n.y	n.y	PROPN
cblr-1712	954	12	.	.	PROPN
cblr-1712	954	13	times	times	PROPN
cblr-1712	954	14	(	(	PUNCT
cblr-1712	954	15	may	may	PROPN
cblr-1712	954	16	18	18	NUM
cblr-1712	954	17	,	,	PUNCT
cblr-1712	954	18	2012	2012	NUM
cblr-1712	954	19	)	)	PUNCT
cblr-1712	954	20	,	,	PUNCT
cblr-1712	954	21	http://takingnote.blogs.nytimes.com/2012/05/18/paying-for-robo-calls	http://takingnote.blogs.nytimes.com/2012/05/18/paying-for-robo-call	NOUN
cblr-1712	955	1	[	[	X
cblr-1712	955	2	https://perma.cc/ccd7-9nep	https://perma.cc/ccd7-9nep	NOUN
cblr-1712	955	3	]	]	X
cblr-1712	955	4	.	.	PUNCT
cblr-1712	956	1	johnston	johnston	PROPN
cblr-1712	956	2	–	–	PUNCT
cblr-1712	956	3	final	final	ADJ
cblr-1712	956	4	no	no	NOUN
cblr-1712	956	5	.	.	NOUN
cblr-1712	956	6	1:1	1:1	NUM
cblr-1712	956	7	]	]	X
cblr-1712	956	8	high	high	ADJ
cblr-1712	956	9	cost	cost	NOUN
cblr-1712	956	10	,	,	PUNCT
cblr-1712	956	11	little	little	ADJ
cblr-1712	956	12	compensation	compensation	NOUN
cblr-1712	956	13	81	81	NUM
cblr-1712	956	14	iv	iv	NOUN
cblr-1712	956	15	.	.	PUNCT
cblr-1712	956	16	improving	improve	VERB
cblr-1712	956	17	consumer	consumer	NOUN
cblr-1712	956	18	class	class	NOUN
cblr-1712	956	19	actions	action	NOUN
cblr-1712	956	20	under	under	ADP
cblr-1712	956	21	federal	federal	ADJ
cblr-1712	956	22	consumer	consumer	NOUN
cblr-1712	956	23	protection	protection	NOUN
cblr-1712	956	24	statutes	statute	NOUN
cblr-1712	956	25	a.	a.	VERB
cblr-1712	956	26	the	the	DET
cblr-1712	956	27	impact	impact	NOUN
cblr-1712	956	28	of	of	ADP
cblr-1712	956	29	spokeo	spokeo	PROPN
cblr-1712	956	30	in	in	ADP
cblr-1712	956	31	screening	screen	VERB
cblr-1712	956	32	no	no	DET
cblr-1712	956	33	-	-	PUNCT
cblr-1712	956	34	harm	harm	NOUN
cblr-1712	956	35	cases	case	NOUN
cblr-1712	956	36	as	as	SCONJ
cblr-1712	956	37	discussed	discuss	VERB
cblr-1712	956	38	in	in	ADP
cblr-1712	956	39	the	the	DET
cblr-1712	956	40	introduction	introduction	NOUN
cblr-1712	956	41	,	,	PUNCT
cblr-1712	956	42	spokeo	spokeo	PROPN
cblr-1712	956	43	v.	v.	ADP
cblr-1712	956	44	robins	robin	NOUN
cblr-1712	956	45	was	be	AUX
cblr-1712	956	46	a	a	DET
cblr-1712	956	47	class	class	NOUN
cblr-1712	956	48	action	action	NOUN
cblr-1712	956	49	seeking	seek	VERB
cblr-1712	956	50	statutory	statutory	ADJ
cblr-1712	956	51	damages	damage	NOUN
cblr-1712	956	52	of	of	ADP
cblr-1712	956	53	$	$	SYM
cblr-1712	956	54	100	100	NUM
cblr-1712	956	55	to	to	PART
cblr-1712	956	56	$	$	SYM
cblr-1712	956	57	1000	1000	NUM
cblr-1712	956	58	under	under	ADP
cblr-1712	956	59	the	the	DET
cblr-1712	956	60	fcra	fcra	NOUN
cblr-1712	956	61	against	against	ADP
cblr-1712	956	62	a	a	DET
cblr-1712	956	63	“	"	PUNCT
cblr-1712	956	64	people	people	NOUN
cblr-1712	956	65	search	search	NOUN
cblr-1712	956	66	engine	engine	NOUN
cblr-1712	956	67	”	"	PUNCT
cblr-1712	956	68	website	website	NOUN
cblr-1712	956	69	that	that	PRON
cblr-1712	956	70	allegedly	allegedly	ADV
cblr-1712	956	71	misstated	misstate	VERB
cblr-1712	956	72	information	information	NOUN
cblr-1712	956	73	about	about	ADP
cblr-1712	956	74	the	the	DET
cblr-1712	956	75	plaintiff	plaintiff	NOUN
cblr-1712	956	76	’s	’s	PART
cblr-1712	956	77	age	age	NOUN
cblr-1712	956	78	,	,	PUNCT
cblr-1712	956	79	marital	marital	ADJ
cblr-1712	956	80	status	status	NOUN
cblr-1712	956	81	,	,	PUNCT
cblr-1712	956	82	education	education	NOUN
cblr-1712	956	83	,	,	PUNCT
cblr-1712	956	84	and	and	CCONJ
cblr-1712	956	85	professional	professional	ADJ
cblr-1712	956	86	experience.177	experience.177	PROPN
cblr-1712	956	87	as	as	SCONJ
cblr-1712	956	88	described	describe	VERB
cblr-1712	956	89	earlier	early	ADV
cblr-1712	956	90	,	,	PUNCT
cblr-1712	956	91	fcra	fcra	NOUN
cblr-1712	956	92	permits	permit	VERB
cblr-1712	956	93	statutory	statutory	ADJ
cblr-1712	956	94	damages	damage	NOUN
cblr-1712	956	95	without	without	ADP
cblr-1712	956	96	requiring	require	VERB
cblr-1712	956	97	proof	proof	NOUN
cblr-1712	956	98	of	of	ADP
cblr-1712	956	99	harm	harm	NOUN
cblr-1712	956	100	for	for	ADP
cblr-1712	956	101	the	the	DET
cblr-1712	956	102	publication	publication	NOUN
cblr-1712	956	103	of	of	ADP
cblr-1712	956	104	a	a	DET
cblr-1712	956	105	false	false	ADJ
cblr-1712	956	106	report.178	report.178	NOUN
cblr-1712	956	107	the	the	DET
cblr-1712	956	108	supreme	supreme	PROPN
cblr-1712	956	109	court	court	PROPN
cblr-1712	956	110	allowed	allow	VERB
cblr-1712	956	111	the	the	DET
cblr-1712	956	112	spokeo	spokeo	PROPN
cblr-1712	956	113	case	case	NOUN
cblr-1712	956	114	to	to	PART
cblr-1712	956	115	proceed	proceed	VERB
cblr-1712	956	116	but	but	CCONJ
cblr-1712	956	117	held	hold	VERB
cblr-1712	956	118	that	that	SCONJ
cblr-1712	956	119	the	the	DET
cblr-1712	956	120	ninth	ninth	ADJ
cblr-1712	956	121	circuit	circuit	NOUN
cblr-1712	956	122	confused	confuse	VERB
cblr-1712	956	123	the	the	DET
cblr-1712	956	124	particularity	particularity	NOUN
cblr-1712	956	125	requirement	requirement	NOUN
cblr-1712	956	126	for	for	ADP
cblr-1712	956	127	standing	stand	VERB
cblr-1712	956	128	with	with	ADP
cblr-1712	956	129	the	the	DET
cblr-1712	956	130	requirement	requirement	NOUN
cblr-1712	956	131	that	that	SCONJ
cblr-1712	956	132	the	the	DET
cblr-1712	956	133	plaintiff	plaintiff	NOUN
cblr-1712	956	134	show	show	VERB
cblr-1712	956	135	that	that	SCONJ
cblr-1712	956	136	“	"	PUNCT
cblr-1712	956	137	the	the	DET
cblr-1712	956	138	particular	particular	ADJ
cblr-1712	956	139	[	[	X
cblr-1712	956	140	fcra	fcra	NOUN
cblr-1712	956	141	]	]	X
cblr-1712	956	142	procedural	procedural	ADJ
cblr-1712	956	143	violations	violation	NOUN
cblr-1712	956	144	entail	entail	VERB
cblr-1712	956	145	a	a	DET
cblr-1712	956	146	degree	degree	NOUN
cblr-1712	956	147	of	of	ADP
cblr-1712	956	148	risk	risk	NOUN
cblr-1712	956	149	sufficient	sufficient	ADJ
cblr-1712	956	150	to	to	PART
cblr-1712	956	151	meet	meet	VERB
cblr-1712	956	152	the	the	DET
cblr-1712	956	153	concreteness	concreteness	NOUN
cblr-1712	956	154	requirement	requirement	NOUN
cblr-1712	956	155	.	.	PUNCT
cblr-1712	956	156	”179	”179	PUNCT
cblr-1712	957	1	while	while	SCONJ
cblr-1712	957	2	providing	provide	VERB
cblr-1712	957	3	little	little	ADJ
cblr-1712	957	4	guidance	guidance	NOUN
cblr-1712	957	5	as	as	ADP
cblr-1712	957	6	to	to	ADP
cblr-1712	957	7	the	the	DET
cblr-1712	957	8	sufficient	sufficient	ADJ
cblr-1712	957	9	degree	degree	NOUN
cblr-1712	957	10	of	of	ADP
cblr-1712	957	11	risk	risk	NOUN
cblr-1712	957	12	,	,	PUNCT
cblr-1712	957	13	the	the	DET
cblr-1712	957	14	court	court	NOUN
cblr-1712	957	15	’s	’s	PART
cblr-1712	957	16	decision	decision	NOUN
cblr-1712	957	17	in	in	ADP
cblr-1712	957	18	spokeo	spokeo	PROPN
cblr-1712	957	19	nonetheless	nonetheless	ADV
cblr-1712	957	20	provides	provide	VERB
cblr-1712	957	21	an	an	DET
cblr-1712	957	22	avenue	avenue	NOUN
cblr-1712	957	23	for	for	SCONJ
cblr-1712	957	24	courts	court	NOUN
cblr-1712	957	25	to	to	PART
cblr-1712	957	26	screen	screen	VERB
cblr-1712	957	27	out	out	ADP
cblr-1712	957	28	consumer	consumer	NOUN
cblr-1712	957	29	class	class	NOUN
cblr-1712	957	30	actions	action	NOUN
cblr-1712	957	31	where	where	SCONJ
cblr-1712	957	32	there	there	PRON
cblr-1712	957	33	truly	truly	ADV
cblr-1712	957	34	is	be	AUX
cblr-1712	957	35	no	no	DET
cblr-1712	957	36	harm	harm	NOUN
cblr-1712	957	37	or	or	CCONJ
cblr-1712	957	38	risk	risk	NOUN
cblr-1712	957	39	of	of	ADP
cblr-1712	957	40	harm	harm	NOUN
cblr-1712	957	41	.	.	PUNCT
cblr-1712	958	1	the	the	DET
cblr-1712	958	2	most	most	ADV
cblr-1712	958	3	glaring	glaring	ADJ
cblr-1712	958	4	no	no	DET
cblr-1712	958	5	-	-	PUNCT
cblr-1712	958	6	harm	harm	NOUN
cblr-1712	958	7	cases	case	NOUN
cblr-1712	958	8	in	in	ADP
cblr-1712	958	9	our	our	PRON
cblr-1712	958	10	sample	sample	NOUN
cblr-1712	958	11	are	be	AUX
cblr-1712	958	12	those	those	PRON
cblr-1712	958	13	involving	involve	VERB
cblr-1712	958	14	the	the	DET
cblr-1712	958	15	printing	printing	NOUN
cblr-1712	958	16	of	of	ADP
cblr-1712	958	17	an	an	DET
cblr-1712	958	18	expiration	expiration	NOUN
cblr-1712	958	19	date	date	NOUN
cblr-1712	958	20	on	on	ADP
cblr-1712	958	21	a	a	DET
cblr-1712	958	22	receipt	receipt	NOUN
cblr-1712	958	23	in	in	ADP
cblr-1712	958	24	violation	violation	NOUN
cblr-1712	958	25	of	of	ADP
cblr-1712	958	26	fcra	fcra	NOUN
cblr-1712	958	27	,	,	PUNCT
cblr-1712	958	28	the	the	DET
cblr-1712	958	29	violation	violation	NOUN
cblr-1712	958	30	of	of	ADP
cblr-1712	958	31	various	various	ADJ
cblr-1712	958	32	formalities	formality	NOUN
cblr-1712	958	33	in	in	ADP
cblr-1712	958	34	employment	employment	NOUN
cblr-1712	958	35	background	background	NOUN
cblr-1712	958	36	checks	check	NOUN
cblr-1712	958	37	under	under	ADP
cblr-1712	958	38	the	the	DET
cblr-1712	958	39	fcra	fcra	NOUN
cblr-1712	958	40	,	,	PUNCT
cblr-1712	958	41	and	and	CCONJ
cblr-1712	958	42	various	various	ADJ
cblr-1712	958	43	communications	communication	NOUN
cblr-1712	958	44	by	by	ADP
cblr-1712	958	45	debt	debt	NOUN
cblr-1712	958	46	collectors	collector	NOUN
cblr-1712	958	47	for	for	ADP
cblr-1712	958	48	which	which	PRON
cblr-1712	958	49	a	a	DET
cblr-1712	958	50	violation	violation	NOUN
cblr-1712	958	51	of	of	ADP
cblr-1712	958	52	the	the	DET
cblr-1712	958	53	fdcpa	fdcpa	PROPN
cblr-1712	958	54	is	be	AUX
cblr-1712	958	55	alleged	allege	VERB
cblr-1712	958	56	.	.	PUNCT
cblr-1712	959	1	in	in	ADP
cblr-1712	959	2	the	the	DET
cblr-1712	959	3	expiration	expiration	NOUN
cblr-1712	959	4	date	date	NOUN
cblr-1712	959	5	cases	case	NOUN
cblr-1712	959	6	,	,	PUNCT
cblr-1712	959	7	the	the	DET
cblr-1712	959	8	existing	exist	VERB
cblr-1712	959	9	evidence	evidence	NOUN
cblr-1712	959	10	is	be	AUX
cblr-1712	959	11	that	that	SCONJ
cblr-1712	959	12	there	there	PRON
cblr-1712	959	13	is	be	VERB
cblr-1712	959	14	neither	neither	PRON
cblr-1712	959	15	harm	harm	NOUN
cblr-1712	959	16	nor	nor	CCONJ
cblr-1712	959	17	risk	risk	NOUN
cblr-1712	959	18	of	of	ADP
cblr-1712	959	19	harm	harm	NOUN
cblr-1712	959	20	.	.	PUNCT
cblr-1712	960	1	under	under	ADP
cblr-1712	960	2	spokeo	spokeo	PROPN
cblr-1712	960	3	,	,	PUNCT
cblr-1712	960	4	a	a	DET
cblr-1712	960	5	plaintiff	plaintiff	NOUN
cblr-1712	960	6	’s	’s	PART
cblr-1712	960	7	inability	inability	NOUN
cblr-1712	960	8	to	to	PART
cblr-1712	960	9	produce	produce	VERB
cblr-1712	960	10	an	an	DET
cblr-1712	960	11	affidavit	affidavit	NOUN
cblr-1712	960	12	testifying	testify	VERB
cblr-1712	960	13	that	that	SCONJ
cblr-1712	960	14	the	the	DET
cblr-1712	960	15	printing	printing	NOUN
cblr-1712	960	16	of	of	ADP
cblr-1712	960	17	an	an	DET
cblr-1712	960	18	expiration	expiration	NOUN
cblr-1712	960	19	date	date	NOUN
cblr-1712	960	20	could	could	AUX
cblr-1712	960	21	cause	cause	VERB
cblr-1712	960	22	harm	harm	NOUN
cblr-1712	960	23	could	could	AUX
cblr-1712	960	24	quickly	quickly	ADV
cblr-1712	960	25	end	end	VERB
cblr-1712	960	26	such	such	ADJ
cblr-1712	960	27	cases	case	NOUN
cblr-1712	960	28	at	at	ADP
cblr-1712	960	29	the	the	DET
cblr-1712	960	30	standing	standing	ADJ
cblr-1712	960	31	stage	stage	NOUN
cblr-1712	960	32	.	.	PUNCT
cblr-1712	961	1	as	as	SCONJ
cblr-1712	961	2	such	such	ADJ
cblr-1712	961	3	cases	case	NOUN
cblr-1712	961	4	are	be	AUX
cblr-1712	961	5	not	not	PART
cblr-1712	961	6	insignificant	insignificant	ADJ
cblr-1712	961	7	in	in	ADP
cblr-1712	961	8	the	the	DET
cblr-1712	961	9	sample	sample	NOUN
cblr-1712	961	10	studied	study	VERB
cblr-1712	961	11	above	above	ADV
cblr-1712	961	12	,	,	PUNCT
cblr-1712	961	13	that	that	SCONJ
cblr-1712	961	14	alone	alone	ADV
cblr-1712	961	15	would	would	AUX
cblr-1712	961	16	be	be	AUX
cblr-1712	961	17	a	a	DET
cblr-1712	961	18	salutary	salutary	ADJ
cblr-1712	961	19	impact	impact	NOUN
cblr-1712	961	20	177	177	NUM
cblr-1712	961	21	see	see	NOUN
cblr-1712	961	22	supra	supra	ADJ
cblr-1712	961	23	text	text	NOUN
cblr-1712	961	24	accompanying	accompanying	ADJ
cblr-1712	961	25	note	note	NOUN
cblr-1712	961	26	14	14	NUM
cblr-1712	961	27	.	.	NOUN
cblr-1712	961	28	178	178	NUM
cblr-1712	961	29	see	see	VERB
cblr-1712	961	30	the	the	DET
cblr-1712	961	31	discussion	discussion	NOUN
cblr-1712	961	32	of	of	ADP
cblr-1712	961	33	fcra	fcra	NOUN
cblr-1712	961	34	supra	supra	PROPN
cblr-1712	961	35	section	section	NOUN
cblr-1712	961	36	ii.c.1	ii.c.1	NOUN
cblr-1712	961	37	.	.	PUNCT
cblr-1712	962	1	179	179	NUM
cblr-1712	962	2	spokeo	spokeo	PROPN
cblr-1712	962	3	,	,	PUNCT
cblr-1712	962	4	inc	inc	PROPN
cblr-1712	962	5	.	.	PROPN
cblr-1712	963	1	v.	v.	ADP
cblr-1712	963	2	robins	robin	NOUN
cblr-1712	963	3	,	,	PUNCT
cblr-1712	963	4	136	136	NUM
cblr-1712	963	5	s.	s.	PROPN
cblr-1712	963	6	ct	ct	PROPN
cblr-1712	963	7	.	.	PROPN
cblr-1712	963	8	1540	1540	NUM
cblr-1712	963	9	,	,	PUNCT
cblr-1712	963	10	1543	1543	NUM
cblr-1712	963	11	(	(	PUNCT
cblr-1712	963	12	2016	2016	NUM
cblr-1712	963	13	)	)	PUNCT
cblr-1712	963	14	.	.	PUNCT
cblr-1712	964	1	johnston	johnston	PROPN
cblr-1712	964	2	–	–	PUNCT
cblr-1712	964	3	final	final	ADJ
cblr-1712	964	4	82	82	NUM
cblr-1712	964	5	columbia	columbia	PROPN
cblr-1712	964	6	business	business	NOUN
cblr-1712	964	7	law	law	PROPN
cblr-1712	964	8	review	review	NOUN
cblr-1712	964	9	[	[	X
cblr-1712	964	10	vol	vol	NOUN
cblr-1712	964	11	.	.	NOUN
cblr-1712	964	12	2017	2017	NUM
cblr-1712	964	13	from	from	ADP
cblr-1712	964	14	spokeo	spokeo	PROPN
cblr-1712	964	15	.	.	PUNCT
cblr-1712	965	1	as	as	ADP
cblr-1712	965	2	for	for	ADP
cblr-1712	965	3	the	the	DET
cblr-1712	965	4	cases	case	NOUN
cblr-1712	965	5	involving	involve	VERB
cblr-1712	965	6	violations	violation	NOUN
cblr-1712	965	7	of	of	ADP
cblr-1712	965	8	various	various	ADJ
cblr-1712	965	9	formalities	formality	NOUN
cblr-1712	965	10	,	,	PUNCT
cblr-1712	965	11	it	it	PRON
cblr-1712	965	12	would	would	AUX
cblr-1712	965	13	be	be	AUX
cblr-1712	965	14	of	of	ADP
cblr-1712	965	15	great	great	ADJ
cblr-1712	965	16	interest	interest	NOUN
cblr-1712	965	17	to	to	PART
cblr-1712	965	18	see	see	VERB
cblr-1712	965	19	whether	whether	SCONJ
cblr-1712	965	20	plaintiffs	plaintiff	NOUN
cblr-1712	965	21	could	could	AUX
cblr-1712	965	22	produce	produce	VERB
cblr-1712	965	23	affidavits	affidavit	NOUN
cblr-1712	965	24	testifying	testify	VERB
cblr-1712	965	25	even	even	ADV
cblr-1712	965	26	to	to	ADP
cblr-1712	965	27	a	a	DET
cblr-1712	965	28	risk	risk	NOUN
cblr-1712	965	29	of	of	ADP
cblr-1712	965	30	harm	harm	NOUN
cblr-1712	965	31	to	to	ADP
cblr-1712	965	32	the	the	DET
cblr-1712	965	33	consumer	consumer	NOUN
cblr-1712	965	34	.	.	PUNCT
cblr-1712	966	1	if	if	SCONJ
cblr-1712	966	2	they	they	PRON
cblr-1712	966	3	could	could	AUX
cblr-1712	966	4	consistently	consistently	ADV
cblr-1712	966	5	do	do	VERB
cblr-1712	966	6	so	so	ADV
cblr-1712	966	7	,	,	PUNCT
cblr-1712	966	8	then	then	ADV
cblr-1712	966	9	it	it	PRON
cblr-1712	966	10	would	would	AUX
cblr-1712	966	11	be	be	AUX
cblr-1712	966	12	surprising	surprising	ADJ
cblr-1712	966	13	in	in	ADP
cblr-1712	966	14	light	light	NOUN
cblr-1712	966	15	of	of	ADP
cblr-1712	966	16	the	the	DET
cblr-1712	966	17	mass	mass	NOUN
cblr-1712	966	18	of	of	ADP
cblr-1712	966	19	empirical	empirical	ADJ
cblr-1712	966	20	evidence	evidence	NOUN
cblr-1712	966	21	showing	show	VERB
cblr-1712	966	22	the	the	DET
cblr-1712	966	23	general	general	ADJ
cblr-1712	966	24	ineffectiveness	ineffectiveness	NOUN
cblr-1712	966	25	of	of	ADP
cblr-1712	966	26	disclosure	disclosure	NOUN
cblr-1712	966	27	formalities	formality	NOUN
cblr-1712	966	28	in	in	ADP
cblr-1712	966	29	particular	particular	ADJ
cblr-1712	966	30	.	.	PUNCT
cblr-1712	967	1	still	still	ADV
cblr-1712	967	2	,	,	PUNCT
cblr-1712	967	3	if	if	SCONJ
cblr-1712	967	4	plaintiffs	plaintiff	NOUN
cblr-1712	967	5	could	could	AUX
cblr-1712	967	6	produce	produce	VERB
cblr-1712	967	7	such	such	ADJ
cblr-1712	967	8	evidence	evidence	NOUN
cblr-1712	967	9	,	,	PUNCT
cblr-1712	967	10	then	then	ADV
cblr-1712	967	11	these	these	DET
cblr-1712	967	12	cases	case	NOUN
cblr-1712	967	13	would	would	AUX
cblr-1712	967	14	proceed	proceed	VERB
cblr-1712	967	15	as	as	SCONJ
cblr-1712	967	16	they	they	PRON
cblr-1712	967	17	do	do	VERB
cblr-1712	967	18	now	now	ADV
cblr-1712	967	19	.	.	PUNCT
cblr-1712	968	1	if	if	SCONJ
cblr-1712	968	2	,	,	PUNCT
cblr-1712	968	3	however	however	ADV
cblr-1712	968	4	,	,	PUNCT
cblr-1712	968	5	such	such	ADJ
cblr-1712	968	6	affidavits	affidavit	NOUN
cblr-1712	968	7	could	could	AUX
cblr-1712	968	8	not	not	PART
cblr-1712	968	9	consistently	consistently	ADV
cblr-1712	968	10	be	be	AUX
cblr-1712	968	11	produced	produce	VERB
cblr-1712	968	12	,	,	PUNCT
cblr-1712	968	13	then	then	ADV
cblr-1712	968	14	spokeo	spokeo	PROPN
cblr-1712	968	15	would	would	AUX
cblr-1712	968	16	have	have	AUX
cblr-1712	968	17	been	be	AUX
cblr-1712	968	18	of	of	ADP
cblr-1712	968	19	social	social	ADJ
cblr-1712	968	20	value	value	NOUN
cblr-1712	968	21	in	in	ADP
cblr-1712	968	22	screening	screen	VERB
cblr-1712	968	23	out	out	ADP
cblr-1712	968	24	true	true	ADJ
cblr-1712	968	25	no	no	DET
cblr-1712	968	26	-	-	PUNCT
cblr-1712	968	27	harm	harm	NOUN
cblr-1712	968	28	cases	case	NOUN
cblr-1712	968	29	from	from	ADP
cblr-1712	968	30	the	the	DET
cblr-1712	968	31	expensive	expensive	ADJ
cblr-1712	968	32	classaction	classaction	NOUN
cblr-1712	968	33	process	process	NOUN
cblr-1712	968	34	.	.	PUNCT
cblr-1712	969	1	b.	b.	PROPN
cblr-1712	970	1	better	well	ADJ
cblr-1712	970	2	judicial	judicial	ADJ
cblr-1712	970	3	monitoring	monitoring	NOUN
cblr-1712	970	4	how	how	SCONJ
cblr-1712	970	5	,	,	PUNCT
cblr-1712	970	6	one	one	PRON
cblr-1712	970	7	might	might	AUX
cblr-1712	970	8	ask	ask	VERB
cblr-1712	970	9	,	,	PUNCT
cblr-1712	970	10	could	could	AUX
cblr-1712	970	11	the	the	DET
cblr-1712	970	12	current	current	ADJ
cblr-1712	970	13	class	class	NOUN
cblr-1712	970	14	-	-	PUNCT
cblr-1712	970	15	action	action	NOUN
cblr-1712	970	16	system	system	NOUN
cblr-1712	970	17	have	have	AUX
cblr-1712	970	18	evolved	evolve	VERB
cblr-1712	970	19	to	to	PART
cblr-1712	970	20	become	become	VERB
cblr-1712	970	21	one	one	NUM
cblr-1712	970	22	in	in	ADP
cblr-1712	970	23	which	which	PRON
cblr-1712	970	24	the	the	DET
cblr-1712	970	25	amount	amount	NOUN
cblr-1712	970	26	paid	pay	VERB
cblr-1712	970	27	in	in	ADP
cblr-1712	970	28	attorneys	attorney	NOUN
cblr-1712	970	29	’	'	PUNCT
cblr-1712	970	30	fees	fee	NOUN
cblr-1712	970	31	is	be	AUX
cblr-1712	970	32	often	often	ADV
cblr-1712	970	33	equal	equal	ADJ
cblr-1712	970	34	to	to	ADP
cblr-1712	970	35	or	or	CCONJ
cblr-1712	970	36	greater	great	ADJ
cblr-1712	970	37	than	than	ADP
cblr-1712	970	38	the	the	DET
cblr-1712	970	39	amount	amount	NOUN
cblr-1712	970	40	of	of	ADP
cblr-1712	970	41	compensation	compensation	NOUN
cblr-1712	970	42	actually	actually	ADV
cblr-1712	970	43	received	receive	VERB
cblr-1712	970	44	by	by	ADP
cblr-1712	970	45	class	class	NOUN
cblr-1712	970	46	members	member	NOUN
cblr-1712	970	47	and	and	CCONJ
cblr-1712	970	48	in	in	ADP
cblr-1712	970	49	which	which	PRON
cblr-1712	970	50	very	very	ADV
cblr-1712	970	51	few	few	ADJ
cblr-1712	970	52	class	class	NOUN
cblr-1712	970	53	members	member	NOUN
cblr-1712	970	54	receive	receive	VERB
cblr-1712	970	55	anything	anything	PRON
cblr-1712	970	56	?	?	PUNCT
cblr-1712	971	1	by	by	ADP
cblr-1712	971	2	hypothesis	hypothesis	NOUN
cblr-1712	971	3	and	and	CCONJ
cblr-1712	971	4	by	by	ADP
cblr-1712	971	5	fact	fact	NOUN
cblr-1712	971	6	,	,	PUNCT
cblr-1712	971	7	class	class	NOUN
cblr-1712	971	8	actions	action	NOUN
cblr-1712	971	9	involving	involve	VERB
cblr-1712	971	10	numerous	numerous	ADJ
cblr-1712	971	11	plaintiffs	plaintiff	NOUN
cblr-1712	971	12	with	with	ADP
cblr-1712	971	13	small	small	ADJ
cblr-1712	971	14	injuries	injury	NOUN
cblr-1712	971	15	do	do	AUX
cblr-1712	971	16	not	not	PART
cblr-1712	971	17	have	have	VERB
cblr-1712	971	18	an	an	DET
cblr-1712	971	19	actual	actual	ADJ
cblr-1712	971	20	plaintiff	plaintiff	NOUN
cblr-1712	971	21	group	group	NOUN
cblr-1712	971	22	who	who	PRON
cblr-1712	971	23	will	will	AUX
cblr-1712	971	24	monitor	monitor	VERB
cblr-1712	971	25	class	class	NOUN
cblr-1712	971	26	counsel	counsel	NOUN
cblr-1712	971	27	.	.	PUNCT
cblr-1712	972	1	judges	judge	NOUN
cblr-1712	972	2	are	be	AUX
cblr-1712	972	3	supposed	suppose	VERB
cblr-1712	972	4	to	to	PART
cblr-1712	972	5	monitor	monitor	VERB
cblr-1712	972	6	class	class	NOUN
cblr-1712	972	7	actions	action	NOUN
cblr-1712	972	8	,	,	PUNCT
cblr-1712	972	9	ensuring	ensure	VERB
cblr-1712	972	10	that	that	SCONJ
cblr-1712	972	11	a	a	DET
cblr-1712	972	12	class	class	NOUN
cblr-1712	972	13	action	action	NOUN
cblr-1712	972	14	is	be	AUX
cblr-1712	972	15	legally	legally	ADV
cblr-1712	972	16	justified	justify	VERB
cblr-1712	972	17	and	and	CCONJ
cblr-1712	972	18	that	that	SCONJ
cblr-1712	972	19	any	any	DET
cblr-1712	972	20	settlement	settlement	NOUN
cblr-1712	972	21	in	in	ADP
cblr-1712	972	22	a	a	DET
cblr-1712	972	23	class	class	NOUN
cblr-1712	972	24	action	action	NOUN
cblr-1712	972	25	actually	actually	ADV
cblr-1712	972	26	promotes	promote	VERB
cblr-1712	972	27	the	the	DET
cblr-1712	972	28	interests	interest	NOUN
cblr-1712	972	29	of	of	ADP
cblr-1712	972	30	the	the	DET
cblr-1712	972	31	absent	absent	ADJ
cblr-1712	972	32	class	class	NOUN
cblr-1712	972	33	members	member	NOUN
cblr-1712	972	34	.	.	PUNCT
cblr-1712	973	1	the	the	DET
cblr-1712	973	2	idealized	idealized	ADJ
cblr-1712	973	3	judicial	judicial	ADJ
cblr-1712	973	4	role	role	NOUN
cblr-1712	973	5	is	be	AUX
cblr-1712	973	6	described	describe	VERB
cblr-1712	973	7	by	by	ADP
cblr-1712	973	8	hensler	hensler	NOUN
cblr-1712	973	9	:	:	PUNCT
cblr-1712	973	10	judges	judge	NOUN
cblr-1712	973	11	play	play	VERB
cblr-1712	973	12	a	a	DET
cblr-1712	973	13	unique	unique	ADJ
cblr-1712	973	14	role	role	NOUN
cblr-1712	973	15	in	in	ADP
cblr-1712	973	16	damage	damage	NOUN
cblr-1712	973	17	class	class	NOUN
cblr-1712	973	18	actions	action	NOUN
cblr-1712	973	19	:	:	PUNCT
cblr-1712	973	20	without	without	ADP
cblr-1712	973	21	the	the	DET
cblr-1712	973	22	judge	judge	NOUN
cblr-1712	973	23	’s	’s	PART
cblr-1712	973	24	decision	decision	NOUN
cblr-1712	973	25	to	to	PART
cblr-1712	973	26	grant	grant	VERB
cblr-1712	973	27	certification	certification	NOUN
cblr-1712	973	28	,	,	PUNCT
cblr-1712	973	29	a	a	DET
cblr-1712	973	30	class	class	NOUN
cblr-1712	973	31	action	action	NOUN
cblr-1712	973	32	lawsuit	lawsuit	NOUN
cblr-1712	973	33	does	do	AUX
cblr-1712	973	34	not	not	PART
cblr-1712	973	35	exist	exist	VERB
cblr-1712	973	36	.	.	PUNCT
cblr-1712	974	1	without	without	ADP
cblr-1712	974	2	the	the	DET
cblr-1712	974	3	judge	judge	NOUN
cblr-1712	974	4	’s	’s	PART
cblr-1712	974	5	approval	approval	NOUN
cblr-1712	974	6	,	,	PUNCT
cblr-1712	974	7	a	a	DET
cblr-1712	974	8	lawsuit	lawsuit	NOUN
cblr-1712	974	9	can	can	AUX
cblr-1712	974	10	not	not	PART
cblr-1712	974	11	be	be	AUX
cblr-1712	974	12	settled	settle	VERB
cblr-1712	974	13	.	.	PUNCT
cblr-1712	975	1	without	without	ADP
cblr-1712	975	2	a	a	DET
cblr-1712	975	3	judge	judge	NOUN
cblr-1712	975	4	’s	’s	PART
cblr-1712	975	5	decision	decision	NOUN
cblr-1712	975	6	to	to	ADP
cblr-1712	975	7	award	award	NOUN
cblr-1712	975	8	fees	fee	NOUN
cblr-1712	975	9	,	,	PUNCT
cblr-1712	975	10	the	the	DET
cblr-1712	975	11	class	class	NOUN
cblr-1712	975	12	action	action	NOUN
cblr-1712	975	13	attorneys	attorney	NOUN
cblr-1712	975	14	can	can	AUX
cblr-1712	975	15	not	not	PART
cblr-1712	975	16	be	be	AUX
cblr-1712	975	17	paid	pay	VERB
cblr-1712	975	18	.	.	PUNCT
cblr-1712	975	19	.	.	PUNCT
cblr-1712	975	20	.	.	PUNCT
cblr-1712	975	21	.	.	PUNCT
cblr-1712	976	1	even	even	ADV
cblr-1712	976	2	after	after	SCONJ
cblr-1712	976	3	a	a	DET
cblr-1712	976	4	case	case	NOUN
cblr-1712	976	5	is	be	AUX
cblr-1712	976	6	resolved	resolve	VERB
cblr-1712	976	7	,	,	PUNCT
cblr-1712	976	8	judges	judge	NOUN
cblr-1712	976	9	may	may	AUX
cblr-1712	976	10	continue	continue	VERB
cblr-1712	976	11	to	to	PART
cblr-1712	976	12	play	play	VERB
cblr-1712	976	13	a	a	DET
cblr-1712	976	14	role	role	NOUN
cblr-1712	976	15	by	by	ADP
cblr-1712	976	16	overseeing	oversee	VERB
cblr-1712	976	17	the	the	DET
cblr-1712	976	18	disbursement	disbursement	NOUN
cblr-1712	976	19	of	of	ADP
cblr-1712	976	20	settlement	settlement	NOUN
cblr-1712	976	21	funds.180	funds.180	PROPN
cblr-1712	976	22	180	180	NUM
cblr-1712	976	23	hensler	hensler	NOUN
cblr-1712	976	24	et	et	PROPN
cblr-1712	976	25	al	al	PROPN
cblr-1712	976	26	.	.	PROPN
cblr-1712	976	27	,	,	PUNCT
cblr-1712	976	28	supra	supra	PROPN
cblr-1712	976	29	note	note	VERB
cblr-1712	976	30	59	59	NUM
cblr-1712	976	31	,	,	PUNCT
cblr-1712	976	32	at	at	ADP
cblr-1712	976	33	445	445	NUM
cblr-1712	976	34	.	.	PUNCT
cblr-1712	977	1	johnston	johnston	PROPN
cblr-1712	977	2	–	–	PUNCT
cblr-1712	977	3	final	final	ADJ
cblr-1712	977	4	no	no	NOUN
cblr-1712	977	5	.	.	NOUN
cblr-1712	977	6	1:1	1:1	NUM
cblr-1712	977	7	]	]	X
cblr-1712	977	8	high	high	ADJ
cblr-1712	977	9	cost	cost	NOUN
cblr-1712	977	10	,	,	PUNCT
cblr-1712	977	11	little	little	ADJ
cblr-1712	977	12	compensation	compensation	NOUN
cblr-1712	977	13	83	83	NUM
cblr-1712	977	14	however	however	ADV
cblr-1712	977	15	,	,	PUNCT
cblr-1712	977	16	a	a	DET
cblr-1712	977	17	very	very	ADV
cblr-1712	977	18	basic	basic	ADJ
cblr-1712	977	19	economic	economic	ADJ
cblr-1712	977	20	model	model	NOUN
cblr-1712	977	21	of	of	ADP
cblr-1712	977	22	judicial	judicial	ADJ
cblr-1712	977	23	preferences	preference	NOUN
cblr-1712	977	24	suggests	suggest	VERB
cblr-1712	977	25	that	that	SCONJ
cblr-1712	977	26	judges	judge	NOUN
cblr-1712	977	27	may	may	AUX
cblr-1712	977	28	have	have	VERB
cblr-1712	977	29	little	little	ADJ
cblr-1712	977	30	incentive	incentive	NOUN
cblr-1712	977	31	to	to	PART
cblr-1712	977	32	conform	conform	VERB
cblr-1712	977	33	to	to	ADP
cblr-1712	977	34	this	this	DET
cblr-1712	977	35	ideal	ideal	NOUN
cblr-1712	977	36	.	.	PUNCT
cblr-1712	978	1	judges	judge	NOUN
cblr-1712	978	2	likely	likely	ADV
cblr-1712	978	3	value	value	VERB
cblr-1712	978	4	not	not	PART
cblr-1712	978	5	only	only	ADV
cblr-1712	978	6	leisure	leisure	NOUN
cblr-1712	978	7	but	but	CCONJ
cblr-1712	978	8	also	also	ADV
cblr-1712	978	9	prestige	prestige	NOUN
cblr-1712	978	10	—	—	PUNCT
cblr-1712	978	11	their	their	PRON
cblr-1712	978	12	standing	standing	NOUN
cblr-1712	978	13	with	with	ADP
cblr-1712	978	14	other	other	ADJ
cblr-1712	978	15	judges	judge	NOUN
cblr-1712	978	16	and	and	CCONJ
cblr-1712	978	17	the	the	DET
cblr-1712	978	18	public	public	NOUN
cblr-1712	978	19	at	at	ADP
cblr-1712	978	20	large.181	large.181	PROPN
cblr-1712	978	21	assuming	assume	VERB
cblr-1712	978	22	that	that	SCONJ
cblr-1712	978	23	prestige	prestige	NOUN
cblr-1712	978	24	declines	decline	VERB
cblr-1712	978	25	both	both	PRON
cblr-1712	978	26	when	when	SCONJ
cblr-1712	978	27	a	a	DET
cblr-1712	978	28	trial	trial	NOUN
cblr-1712	978	29	judge	judge	NOUN
cblr-1712	978	30	is	be	AUX
cblr-1712	978	31	reversed	reverse	VERB
cblr-1712	978	32	on	on	ADP
cblr-1712	978	33	appeal	appeal	NOUN
cblr-1712	978	34	and	and	CCONJ
cblr-1712	978	35	when	when	SCONJ
cblr-1712	978	36	court	court	NOUN
cblr-1712	978	37	queues	queue	NOUN
cblr-1712	978	38	grow	grow	VERB
cblr-1712	978	39	too	too	ADV
cblr-1712	978	40	long	long	ADV
cblr-1712	978	41	(	(	PUNCT
cblr-1712	978	42	partly	partly	ADV
cblr-1712	978	43	because	because	SCONJ
cblr-1712	978	44	of	of	ADP
cblr-1712	978	45	the	the	DET
cblr-1712	978	46	direct	direct	ADJ
cblr-1712	978	47	implication	implication	NOUN
cblr-1712	978	48	that	that	SCONJ
cblr-1712	978	49	the	the	DET
cblr-1712	978	50	judge	judge	NOUN
cblr-1712	978	51	is	be	AUX
cblr-1712	978	52	lazy	lazy	ADJ
cblr-1712	978	53	in	in	ADP
cblr-1712	978	54	failing	fail	VERB
cblr-1712	978	55	to	to	PART
cblr-1712	978	56	resolve	resolve	VERB
cblr-1712	978	57	cases	case	NOUN
cblr-1712	978	58	,	,	PUNCT
cblr-1712	978	59	and	and	CCONJ
cblr-1712	978	60	partly	partly	ADV
cblr-1712	978	61	because	because	SCONJ
cblr-1712	978	62	long	long	ADJ
cblr-1712	978	63	queues	queue	NOUN
cblr-1712	978	64	lead	lead	VERB
cblr-1712	978	65	to	to	ADP
cblr-1712	978	66	public	public	ADJ
cblr-1712	978	67	pressure	pressure	NOUN
cblr-1712	978	68	to	to	PART
cblr-1712	978	69	increase	increase	VERB
cblr-1712	978	70	the	the	DET
cblr-1712	978	71	number	number	NOUN
cblr-1712	978	72	of	of	ADP
cblr-1712	978	73	judges	judge	NOUN
cblr-1712	978	74	,	,	PUNCT
cblr-1712	978	75	which	which	PRON
cblr-1712	978	76	lowers	lower	VERB
cblr-1712	978	77	the	the	DET
cblr-1712	978	78	prestige	prestige	NOUN
cblr-1712	978	79	of	of	ADP
cblr-1712	978	80	being	be	AUX
cblr-1712	978	81	a	a	DET
cblr-1712	978	82	judge	judge	NOUN
cblr-1712	978	83	)	)	PUNCT
cblr-1712	978	84	,	,	PUNCT
cblr-1712	978	85	trial	trial	NOUN
cblr-1712	978	86	judges	judge	NOUN
cblr-1712	978	87	will	will	AUX
cblr-1712	978	88	be	be	AUX
cblr-1712	978	89	attracted	attract	VERB
cblr-1712	978	90	to	to	PART
cblr-1712	978	91	case	case	VERB
cblr-1712	978	92	resolution	resolution	NOUN
cblr-1712	978	93	methods	method	NOUN
cblr-1712	978	94	that	that	PRON
cblr-1712	978	95	keep	keep	VERB
cblr-1712	978	96	queues	queue	NOUN
cblr-1712	978	97	from	from	ADP
cblr-1712	978	98	getting	get	VERB
cblr-1712	978	99	too	too	ADV
cblr-1712	978	100	long	long	ADV
cblr-1712	978	101	but	but	CCONJ
cblr-1712	978	102	also	also	ADV
cblr-1712	978	103	minimize	minimize	VERB
cblr-1712	978	104	the	the	DET
cblr-1712	978	105	chance	chance	NOUN
cblr-1712	978	106	of	of	ADP
cblr-1712	978	107	a	a	DET
cblr-1712	978	108	potentially	potentially	ADV
cblr-1712	978	109	embarrassing	embarrassing	ADJ
cblr-1712	978	110	reversal	reversal	NOUN
cblr-1712	978	111	.	.	PUNCT
cblr-1712	979	1	approving	approve	VERB
cblr-1712	979	2	class	class	NOUN
cblr-1712	979	3	-	-	PUNCT
cblr-1712	979	4	action	action	NOUN
cblr-1712	979	5	settlements	settlement	NOUN
cblr-1712	979	6	is	be	AUX
cblr-1712	979	7	an	an	DET
cblr-1712	979	8	ideal	ideal	ADJ
cblr-1712	979	9	method	method	NOUN
cblr-1712	979	10	of	of	ADP
cblr-1712	979	11	case	case	NOUN
cblr-1712	979	12	resolution	resolution	NOUN
cblr-1712	979	13	from	from	ADP
cblr-1712	979	14	this	this	DET
cblr-1712	979	15	judicial	judicial	ADJ
cblr-1712	979	16	point	point	NOUN
cblr-1712	979	17	of	of	ADP
cblr-1712	979	18	view	view	NOUN
cblr-1712	979	19	:	:	PUNCT
cblr-1712	979	20	dockets	docket	NOUN
cblr-1712	979	21	are	be	AUX
cblr-1712	979	22	cleared	clear	VERB
cblr-1712	979	23	with	with	ADP
cblr-1712	979	24	a	a	DET
cblr-1712	979	25	very	very	ADV
cblr-1712	979	26	low	low	ADJ
cblr-1712	979	27	probability	probability	NOUN
cblr-1712	979	28	of	of	ADP
cblr-1712	979	29	reversal	reversal	NOUN
cblr-1712	979	30	.	.	PUNCT
cblr-1712	980	1	as	as	ADP
cblr-1712	980	2	part	part	NOUN
cblr-1712	980	3	of	of	ADP
cblr-1712	980	4	approving	approve	VERB
cblr-1712	980	5	such	such	ADJ
cblr-1712	980	6	class	class	NOUN
cblr-1712	980	7	-	-	PUNCT
cblr-1712	980	8	action	action	NOUN
cblr-1712	980	9	settlements	settlement	NOUN
cblr-1712	980	10	,	,	PUNCT
cblr-1712	980	11	judges	judge	NOUN
cblr-1712	980	12	also	also	ADV
cblr-1712	980	13	approve	approve	VERB
cblr-1712	980	14	fees	fee	NOUN
cblr-1712	980	15	to	to	ADP
cblr-1712	980	16	the	the	DET
cblr-1712	980	17	plaintiffs	plaintiff	NOUN
cblr-1712	980	18	’	'	PUNCT
cblr-1712	980	19	attorneys	attorney	NOUN
cblr-1712	980	20	.	.	PUNCT
cblr-1712	981	1	while	while	SCONJ
cblr-1712	981	2	trial	trial	NOUN
cblr-1712	981	3	judges	judge	NOUN
cblr-1712	981	4	may	may	AUX
cblr-1712	981	5	be	be	AUX
cblr-1712	981	6	reversed	reverse	VERB
cblr-1712	981	7	on	on	ADP
cblr-1712	981	8	appeal	appeal	NOUN
cblr-1712	981	9	for	for	ADP
cblr-1712	981	10	failing	fail	VERB
cblr-1712	981	11	to	to	PART
cblr-1712	981	12	certify	certify	VERB
cblr-1712	981	13	a	a	DET
cblr-1712	981	14	class	class	NOUN
cblr-1712	981	15	,	,	PUNCT
cblr-1712	981	16	they	they	PRON
cblr-1712	981	17	are	be	AUX
cblr-1712	981	18	rarely	rarely	ADV
cblr-1712	981	19	,	,	PUNCT
cblr-1712	981	20	if	if	SCONJ
cblr-1712	981	21	ever	ever	ADV
cblr-1712	981	22	,	,	PUNCT
cblr-1712	981	23	reversed	reverse	VERB
cblr-1712	981	24	for	for	ADP
cblr-1712	981	25	approving	approve	VERB
cblr-1712	981	26	a	a	DET
cblr-1712	981	27	settlement	settlement	NOUN
cblr-1712	981	28	and	and	CCONJ
cblr-1712	981	29	its	its	PRON
cblr-1712	981	30	attendant	attendant	ADJ
cblr-1712	981	31	attorneys	attorney	NOUN
cblr-1712	981	32	’	'	PUNCT
cblr-1712	981	33	fees	fee	NOUN
cblr-1712	981	34	award.182	award.182	NOUN
cblr-1712	981	35	thus	thus	ADV
cblr-1712	981	36	what	what	PRON
cblr-1712	981	37	helland	helland	VERB
cblr-1712	981	38	and	and	CCONJ
cblr-1712	981	39	klick	klick	PROPN
cblr-1712	981	40	call	call	NOUN
cblr-1712	981	41	“	"	PUNCT
cblr-1712	981	42	judicial	judicial	ADJ
cblr-1712	981	43	expediency	expediency	NOUN
cblr-1712	981	44	”	"	PUNCT
cblr-1712	981	45	predicts	predict	VERB
cblr-1712	981	46	that	that	SCONJ
cblr-1712	981	47	judges	judge	NOUN
cblr-1712	981	48	would	would	AUX
cblr-1712	981	49	routinely	routinely	ADV
cblr-1712	981	50	approve	approve	VERB
cblr-1712	981	51	class	class	NOUN
cblr-1712	981	52	-	-	PUNCT
cblr-1712	981	53	action	action	NOUN
cblr-1712	981	54	settlements	settlement	NOUN
cblr-1712	981	55	with	with	ADP
cblr-1712	981	56	relatively	relatively	ADV
cblr-1712	981	57	large	large	ADJ
cblr-1712	981	58	attorneys	attorney	NOUN
cblr-1712	981	59	’	'	PUNCT
cblr-1712	981	60	fees	fee	NOUN
cblr-1712	981	61	but	but	CCONJ
cblr-1712	981	62	little	little	ADJ
cblr-1712	981	63	actual	actual	ADJ
cblr-1712	981	64	compensation	compensation	NOUN
cblr-1712	981	65	to	to	ADP
cblr-1712	981	66	class	class	NOUN
cblr-1712	981	67	members	member	NOUN
cblr-1712	981	68	.	.	PUNCT
cblr-1712	982	1	the	the	DET
cblr-1712	982	2	rough	rough	ADJ
cblr-1712	982	3	data	data	NOUN
cblr-1712	982	4	is	be	AUX
cblr-1712	982	5	consistent	consistent	ADJ
cblr-1712	982	6	with	with	ADP
cblr-1712	982	7	this	this	DET
cblr-1712	982	8	judicial	judicial	ADJ
cblr-1712	982	9	expediency	expediency	NOUN
cblr-1712	982	10	story	story	NOUN
cblr-1712	982	11	;	;	PUNCT
cblr-1712	982	12	as	as	SCONJ
cblr-1712	982	13	eisenberg	eisenberg	PROPN
cblr-1712	982	14	and	and	CCONJ
cblr-1712	982	15	miller	miller	PROPN
cblr-1712	982	16	’s	’s	PART
cblr-1712	982	17	update	update	NOUN
cblr-1712	982	18	to	to	PART
cblr-1712	982	19	include	include	VERB
cblr-1712	982	20	cases	case	NOUN
cblr-1712	982	21	from	from	ADP
cblr-1712	982	22	2003	2003	NUM
cblr-1712	982	23	to	to	ADP
cblr-1712	982	24	2008	2008	NUM
cblr-1712	982	25	found	find	VERB
cblr-1712	982	26	,	,	PUNCT
cblr-1712	982	27	judges	judge	NOUN
cblr-1712	982	28	granted	grant	VERB
cblr-1712	982	29	the	the	DET
cblr-1712	982	30	requested	request	VERB
cblr-1712	982	31	attorneys	attorney	NOUN
cblr-1712	982	32	’	'	PUNCT
cblr-1712	982	33	fees	fee	NOUN
cblr-1712	982	34	in	in	ADP
cblr-1712	982	35	70	70	NUM
cblr-1712	982	36	%	%	NOUN
cblr-1712	982	37	of	of	ADP
cblr-1712	982	38	cases.183	cases.183	NOUN
cblr-1712	982	39	more	more	ADV
cblr-1712	982	40	careful	careful	ADJ
cblr-1712	982	41	statistical	statistical	ADJ
cblr-1712	982	42	analysis	analysis	NOUN
cblr-1712	982	43	also	also	ADV
cblr-1712	982	44	has	have	AUX
cblr-1712	982	45	tended	tend	VERB
cblr-1712	982	46	to	to	PART
cblr-1712	982	47	confirm	confirm	VERB
cblr-1712	982	48	the	the	DET
cblr-1712	982	49	judicial	judicial	ADJ
cblr-1712	982	50	expediency	expediency	NOUN
cblr-1712	982	51	hypothesis	hypothesis	NOUN
cblr-1712	982	52	.	.	PUNCT
cblr-1712	983	1	working	work	VERB
cblr-1712	983	2	with	with	ADP
cblr-1712	983	3	the	the	DET
cblr-1712	983	4	eisenberg	eisenberg	PROPN
cblr-1712	983	5	and	and	CCONJ
cblr-1712	983	6	miller	miller	PROPN
cblr-1712	983	7	dataset	dataset	PROPN
cblr-1712	983	8	,	,	PUNCT
cblr-1712	983	9	helland	helland	NOUN
cblr-1712	983	10	and	and	CCONJ
cblr-1712	983	11	klick	klick	PROPN
cblr-1712	983	12	added	add	VERB
cblr-1712	983	13	to	to	ADP
cblr-1712	983	14	the	the	DET
cblr-1712	983	15	list	list	NOUN
cblr-1712	983	16	of	of	ADP
cblr-1712	983	17	explanatory	explanatory	ADJ
cblr-1712	983	18	variables	variable	NOUN
cblr-1712	983	19	a	a	DET
cblr-1712	983	20	measure	measure	NOUN
cblr-1712	983	21	of	of	ADP
cblr-1712	983	22	181	181	NUM
cblr-1712	983	23	eric	eric	PROPN
cblr-1712	983	24	helland	helland	PROPN
cblr-1712	983	25	&	&	CCONJ
cblr-1712	983	26	jonathan	jonathan	PROPN
cblr-1712	983	27	klick	klick	PROPN
cblr-1712	983	28	,	,	PUNCT
cblr-1712	983	29	the	the	DET
cblr-1712	983	30	effect	effect	NOUN
cblr-1712	983	31	of	of	ADP
cblr-1712	983	32	judicial	judicial	ADJ
cblr-1712	983	33	expedience	expedience	NOUN
cblr-1712	983	34	on	on	ADP
cblr-1712	983	35	attorney	attorney	NOUN
cblr-1712	983	36	fees	fee	NOUN
cblr-1712	983	37	in	in	ADP
cblr-1712	983	38	class	class	NOUN
cblr-1712	983	39	actions	action	NOUN
cblr-1712	983	40	,	,	PUNCT
cblr-1712	983	41	36	36	NUM
cblr-1712	983	42	j.	j.	PROPN
cblr-1712	983	43	legal	legal	ADJ
cblr-1712	983	44	stud	stud	NOUN
cblr-1712	983	45	.	.	PUNCT
cblr-1712	984	1	171	171	NUM
cblr-1712	984	2	,	,	PUNCT
cblr-1712	984	3	172–73	172–73	NUM
cblr-1712	984	4	(	(	PUNCT
cblr-1712	984	5	2007	2007	NUM
cblr-1712	984	6	)	)	PUNCT
cblr-1712	984	7	.	.	PUNCT
cblr-1712	985	1	182	182	NUM
cblr-1712	985	2	see	see	VERB
cblr-1712	985	3	i	i	PRON
cblr-1712	985	4	d.	d.	PROPN
cblr-1712	985	5	at	at	ADP
cblr-1712	985	6	175–76	175–76	NUM
cblr-1712	985	7	.	.	PUNCT
cblr-1712	986	1	183	183	NUM
cblr-1712	986	2	theodore	theodore	PROPN
cblr-1712	986	3	eisenberg	eisenberg	PROPN
cblr-1712	986	4	&	&	CCONJ
cblr-1712	986	5	geoffrey	geoffrey	PROPN
cblr-1712	986	6	p.	p.	PROPN
cblr-1712	986	7	miller	miller	PROPN
cblr-1712	986	8	,	,	PUNCT
cblr-1712	986	9	attorney	attorney	NOUN
cblr-1712	986	10	fees	fee	NOUN
cblr-1712	986	11	and	and	CCONJ
cblr-1712	986	12	expenses	expense	NOUN
cblr-1712	986	13	in	in	ADP
cblr-1712	986	14	class	class	NOUN
cblr-1712	986	15	action	action	NOUN
cblr-1712	986	16	settlements	settlement	NOUN
cblr-1712	986	17	:	:	PUNCT
cblr-1712	986	18	1993–2008	1993–2008	NUM
cblr-1712	986	19	,	,	PUNCT
cblr-1712	986	20	7	7	NUM
cblr-1712	986	21	j.	j.	PROPN
cblr-1712	986	22	empirical	empirical	ADJ
cblr-1712	986	23	legal	legal	ADJ
cblr-1712	986	24	stud	stud	NOUN
cblr-1712	986	25	.	.	PUNCT
cblr-1712	987	1	248	248	NUM
cblr-1712	987	2	,	,	PUNCT
cblr-1712	987	3	250	250	NUM
cblr-1712	987	4	(	(	PUNCT
cblr-1712	987	5	2010	2010	NUM
cblr-1712	987	6	)	)	PUNCT
cblr-1712	987	7	.	.	PUNCT
cblr-1712	988	1	johnston	johnston	PROPN
cblr-1712	988	2	–	–	PUNCT
cblr-1712	988	3	final	final	ADJ
cblr-1712	988	4	84	84	NUM
cblr-1712	988	5	columbia	columbia	PROPN
cblr-1712	988	6	business	business	NOUN
cblr-1712	988	7	law	law	PROPN
cblr-1712	988	8	review	review	NOUN
cblr-1712	988	9	[	[	X
cblr-1712	988	10	vol	vol	NOUN
cblr-1712	988	11	.	.	NOUN
cblr-1712	988	12	2017	2017	NUM
cblr-1712	988	13	court	court	NOUN
cblr-1712	988	14	congestion	congestion	NOUN
cblr-1712	988	15	(	(	PUNCT
cblr-1712	988	16	annual	annual	ADJ
cblr-1712	988	17	case	case	NOUN
cblr-1712	988	18	terminations	termination	NOUN
cblr-1712	988	19	by	by	ADP
cblr-1712	988	20	judge	judge	NOUN
cblr-1712	988	21	)	)	PUNCT
cblr-1712	989	1	and	and	CCONJ
cblr-1712	989	2	found	find	VERB
cblr-1712	989	3	a	a	DET
cblr-1712	989	4	significant	significant	ADJ
cblr-1712	989	5	relationship	relationship	NOUN
cblr-1712	989	6	between	between	ADP
cblr-1712	989	7	court	court	NOUN
cblr-1712	989	8	congestion	congestion	NOUN
cblr-1712	989	9	and	and	CCONJ
cblr-1712	989	10	attorneys	attorney	NOUN
cblr-1712	989	11	’	'	PUNCT
cblr-1712	989	12	fees	fee	NOUN
cblr-1712	989	13	,	,	PUNCT
cblr-1712	989	14	with	with	ADP
cblr-1712	989	15	the	the	DET
cblr-1712	989	16	fee	fee	NOUN
cblr-1712	989	17	increasing	increase	VERB
cblr-1712	989	18	by	by	ADP
cblr-1712	989	19	.15	.15	NUM
cblr-1712	989	20	%	%	NOUN
cblr-1712	989	21	for	for	ADP
cblr-1712	989	22	every	every	DET
cblr-1712	989	23	1	1	NUM
cblr-1712	989	24	%	%	NOUN
cblr-1712	989	25	increase	increase	NOUN
cblr-1712	989	26	in	in	ADP
cblr-1712	989	27	terminations.184	terminations.184	PRON
cblr-1712	989	28	whatever	whatever	PRON
cblr-1712	989	29	may	may	AUX
cblr-1712	989	30	be	be	AUX
cblr-1712	989	31	the	the	DET
cblr-1712	989	32	explanation	explanation	NOUN
cblr-1712	989	33	,	,	PUNCT
cblr-1712	989	34	judges	judge	NOUN
cblr-1712	989	35	are	be	AUX
cblr-1712	989	36	not	not	PART
cblr-1712	989	37	monitoring	monitor	VERB
cblr-1712	989	38	class	class	NOUN
cblr-1712	989	39	-	-	PUNCT
cblr-1712	989	40	action	action	NOUN
cblr-1712	989	41	settlements	settlement	NOUN
cblr-1712	989	42	in	in	ADP
cblr-1712	989	43	a	a	DET
cblr-1712	989	44	way	way	NOUN
cblr-1712	989	45	that	that	PRON
cblr-1712	989	46	ensures	ensure	VERB
cblr-1712	989	47	that	that	SCONJ
cblr-1712	989	48	compensation	compensation	NOUN
cblr-1712	989	49	is	be	AUX
cblr-1712	989	50	actually	actually	ADV
cblr-1712	989	51	paid	pay	VERB
cblr-1712	989	52	to	to	ADP
cblr-1712	989	53	class	class	NOUN
cblr-1712	989	54	members	member	NOUN
cblr-1712	989	55	and	and	CCONJ
cblr-1712	989	56	that	that	SCONJ
cblr-1712	989	57	attorneys	attorney	NOUN
cblr-1712	989	58	’	'	PUNCT
cblr-1712	989	59	fees	fee	NOUN
cblr-1712	989	60	bear	bear	VERB
cblr-1712	989	61	a	a	DET
cblr-1712	989	62	reasonable	reasonable	ADJ
cblr-1712	989	63	relationship	relationship	NOUN
cblr-1712	989	64	to	to	ADP
cblr-1712	989	65	the	the	DET
cblr-1712	989	66	amount	amount	NOUN
cblr-1712	989	67	actually	actually	ADV
cblr-1712	989	68	received	receive	VERB
cblr-1712	989	69	by	by	ADP
cblr-1712	989	70	class	class	NOUN
cblr-1712	989	71	members	member	NOUN
cblr-1712	989	72	.	.	PUNCT
cblr-1712	990	1	a	a	DET
cblr-1712	990	2	simple	simple	ADJ
cblr-1712	990	3	way	way	NOUN
cblr-1712	990	4	to	to	PART
cblr-1712	990	5	improve	improve	VERB
cblr-1712	990	6	the	the	DET
cblr-1712	990	7	performance	performance	NOUN
cblr-1712	990	8	of	of	ADP
cblr-1712	990	9	consumer	consumer	NOUN
cblr-1712	990	10	class	class	NOUN
cblr-1712	990	11	-	-	PUNCT
cblr-1712	990	12	action	action	NOUN
cblr-1712	990	13	settlements	settlement	NOUN
cblr-1712	990	14	would	would	AUX
cblr-1712	990	15	be	be	AUX
cblr-1712	990	16	for	for	SCONJ
cblr-1712	990	17	federal	federal	ADJ
cblr-1712	990	18	trial	trial	NOUN
cblr-1712	990	19	judges	judge	NOUN
cblr-1712	990	20	to	to	PART
cblr-1712	990	21	wait	wait	VERB
cblr-1712	990	22	to	to	PART
cblr-1712	990	23	approve	approve	VERB
cblr-1712	990	24	attorney	attorney	NOUN
cblr-1712	990	25	fee	fee	NOUN
cblr-1712	990	26	awards	award	NOUN
cblr-1712	990	27	until	until	SCONJ
cblr-1712	990	28	class	class	NOUN
cblr-1712	990	29	counsel	counsel	NOUN
cblr-1712	990	30	submit	submit	VERB
cblr-1712	990	31	an	an	DET
cblr-1712	990	32	accounting	accounting	NOUN
cblr-1712	990	33	showing	show	VERB
cblr-1712	990	34	the	the	DET
cblr-1712	990	35	actual	actual	ADJ
cblr-1712	990	36	compensation	compensation	NOUN
cblr-1712	990	37	rate	rate	NOUN
cblr-1712	990	38	and	and	CCONJ
cblr-1712	990	39	the	the	DET
cblr-1712	990	40	aggregate	aggregate	ADJ
cblr-1712	990	41	amount	amount	NOUN
cblr-1712	990	42	paid	pay	VERB
cblr-1712	990	43	to	to	ADP
cblr-1712	990	44	the	the	DET
cblr-1712	990	45	class	class	NOUN
cblr-1712	990	46	and	and	CCONJ
cblr-1712	990	47	then	then	ADV
cblr-1712	990	48	base	base	NOUN
cblr-1712	990	49	attorneys	attorney	NOUN
cblr-1712	990	50	’	'	PUNCT
cblr-1712	990	51	fees	fee	NOUN
cblr-1712	990	52	on	on	ADP
cblr-1712	990	53	both	both	CCONJ
cblr-1712	990	54	the	the	DET
cblr-1712	990	55	aggregate	aggregate	ADJ
cblr-1712	990	56	payout	payout	NOUN
cblr-1712	990	57	and	and	CCONJ
cblr-1712	990	58	the	the	DET
cblr-1712	990	59	compensation	compensation	NOUN
cblr-1712	990	60	rate	rate	NOUN
cblr-1712	990	61	.	.	PUNCT
cblr-1712	991	1	rather	rather	ADV
cblr-1712	991	2	than	than	ADP
cblr-1712	991	3	basing	base	VERB
cblr-1712	991	4	attorneys	attorney	NOUN
cblr-1712	991	5	’	'	PUNCT
cblr-1712	991	6	fees	fee	NOUN
cblr-1712	991	7	on	on	ADP
cblr-1712	991	8	the	the	DET
cblr-1712	991	9	customary	customary	ADJ
cblr-1712	991	10	range	range	NOUN
cblr-1712	991	11	of	of	ADP
cblr-1712	991	12	attorneys	attorney	NOUN
cblr-1712	991	13	’	'	PUNCT
cblr-1712	991	14	fees	fee	NOUN
cblr-1712	991	15	to	to	ADP
cblr-1712	991	16	nominal	nominal	ADJ
cblr-1712	991	17	settlement	settlement	NOUN
cblr-1712	991	18	for	for	ADP
cblr-1712	991	19	a	a	DET
cblr-1712	991	20	particular	particular	ADJ
cblr-1712	991	21	case	case	NOUN
cblr-1712	991	22	type	type	NOUN
cblr-1712	991	23	(	(	PUNCT
cblr-1712	991	24	i.e.	i.e.	X
cblr-1712	991	25	tcpa	tcpa	VERB
cblr-1712	991	26	debt	debt	NOUN
cblr-1712	991	27	call	call	NOUN
cblr-1712	991	28	)	)	PUNCT
cblr-1712	991	29	,	,	PUNCT
cblr-1712	991	30	district	district	NOUN
cblr-1712	991	31	judges	judge	NOUN
cblr-1712	991	32	would	would	AUX
cblr-1712	991	33	award	award	VERB
cblr-1712	991	34	attorneys	attorney	NOUN
cblr-1712	991	35	’	’	PART
cblr-1712	991	36	fees	fee	NOUN
cblr-1712	991	37	that	that	PRON
cblr-1712	991	38	increase	increase	VERB
cblr-1712	991	39	with	with	ADP
cblr-1712	991	40	the	the	DET
cblr-1712	991	41	compensation	compensation	NOUN
cblr-1712	991	42	rate	rate	NOUN
cblr-1712	991	43	and	and	CCONJ
cblr-1712	991	44	the	the	DET
cblr-1712	991	45	aggregate	aggregate	ADJ
cblr-1712	991	46	compensation	compensation	NOUN
cblr-1712	991	47	.	.	PUNCT
cblr-1712	992	1	attorneys	attorney	NOUN
cblr-1712	992	2	would	would	AUX
cblr-1712	992	3	receive	receive	VERB
cblr-1712	992	4	,	,	PUNCT
cblr-1712	992	5	for	for	ADP
cblr-1712	992	6	example	example	NOUN
cblr-1712	992	7	,	,	PUNCT
cblr-1712	992	8	33	33	NUM
cblr-1712	992	9	%	%	NOUN
cblr-1712	992	10	of	of	ADP
cblr-1712	992	11	the	the	DET
cblr-1712	992	12	nominal	nominal	ADJ
cblr-1712	992	13	settlement	settlement	NOUN
cblr-1712	992	14	only	only	ADV
cblr-1712	992	15	if	if	SCONJ
cblr-1712	992	16	aggregate	aggregate	ADJ
cblr-1712	992	17	compensation	compensation	NOUN
cblr-1712	992	18	paid	pay	VERB
cblr-1712	992	19	equaled	equal	VERB
cblr-1712	992	20	the	the	DET
cblr-1712	992	21	full	full	ADJ
cblr-1712	992	22	amount	amount	NOUN
cblr-1712	992	23	called	call	VERB
cblr-1712	992	24	for	for	ADP
cblr-1712	992	25	under	under	ADP
cblr-1712	992	26	the	the	DET
cblr-1712	992	27	terms	term	NOUN
cblr-1712	992	28	of	of	ADP
cblr-1712	992	29	the	the	DET
cblr-1712	992	30	nominal	nominal	ADJ
cblr-1712	992	31	settlement	settlement	NOUN
cblr-1712	992	32	.	.	PUNCT
cblr-1712	993	1	for	for	ADP
cblr-1712	993	2	typical	typical	ADJ
cblr-1712	993	3	class	class	NOUN
cblr-1712	993	4	settlements	settlement	NOUN
cblr-1712	993	5	,	,	PUNCT
cblr-1712	993	6	attorneys	attorney	NOUN
cblr-1712	993	7	’	'	PUNCT
cblr-1712	993	8	fees	fee	NOUN
cblr-1712	993	9	would	would	AUX
cblr-1712	993	10	be	be	AUX
cblr-1712	993	11	lower	low	ADJ
cblr-1712	993	12	,	,	PUNCT
cblr-1712	993	13	representing	represent	VERB
cblr-1712	993	14	the	the	DET
cblr-1712	993	15	aggregate	aggregate	ADJ
cblr-1712	993	16	compensation	compensation	NOUN
cblr-1712	993	17	actually	actually	ADV
cblr-1712	993	18	paid	pay	VERB
cblr-1712	993	19	to	to	ADP
cblr-1712	993	20	the	the	DET
cblr-1712	993	21	class	class	NOUN
cblr-1712	993	22	.	.	PUNCT
cblr-1712	994	1	the	the	DET
cblr-1712	994	2	goal	goal	NOUN
cblr-1712	994	3	would	would	AUX
cblr-1712	994	4	be	be	AUX
cblr-1712	994	5	to	to	PART
cblr-1712	994	6	ensure	ensure	VERB
cblr-1712	994	7	not	not	PART
cblr-1712	994	8	only	only	ADV
cblr-1712	994	9	that	that	SCONJ
cblr-1712	994	10	the	the	DET
cblr-1712	994	11	cost	cost	NOUN
cblr-1712	994	12	of	of	ADP
cblr-1712	994	13	generating	generate	VERB
cblr-1712	994	14	the	the	DET
cblr-1712	994	15	common	common	ADJ
cblr-1712	994	16	fund	fund	NOUN
cblr-1712	994	17	recovery	recovery	NOUN
cblr-1712	994	18	is	be	AUX
cblr-1712	994	19	less	less	ADJ
cblr-1712	994	20	than	than	ADP
cblr-1712	994	21	the	the	DET
cblr-1712	994	22	fund	fund	NOUN
cblr-1712	994	23	,	,	PUNCT
cblr-1712	994	24	but	but	CCONJ
cblr-1712	994	25	also	also	ADV
cblr-1712	994	26	to	to	PART
cblr-1712	994	27	ensure	ensure	VERB
cblr-1712	994	28	that	that	SCONJ
cblr-1712	994	29	the	the	PRON
cblr-1712	994	30	bigger	big	ADJ
cblr-1712	994	31	the	the	DET
cblr-1712	994	32	fraction	fraction	NOUN
cblr-1712	994	33	actually	actually	ADV
cblr-1712	994	34	paid	pay	VERB
cblr-1712	994	35	to	to	ADP
cblr-1712	994	36	class	class	NOUN
cblr-1712	994	37	members	member	NOUN
cblr-1712	994	38	,	,	PUNCT
cblr-1712	994	39	the	the	PRON
cblr-1712	994	40	bigger	big	ADJ
cblr-1712	994	41	the	the	DET
cblr-1712	994	42	class	class	NOUN
cblr-1712	994	43	counsel	counsel	NOUN
cblr-1712	994	44	’s	’s	PART
cblr-1712	994	45	compensation	compensation	NOUN
cblr-1712	994	46	.	.	PUNCT
cblr-1712	995	1	the	the	DET
cblr-1712	995	2	justification	justification	NOUN
cblr-1712	995	3	for	for	ADP
cblr-1712	995	4	such	such	DET
cblr-1712	995	5	a	a	DET
cblr-1712	995	6	relationship	relationship	NOUN
cblr-1712	995	7	between	between	ADP
cblr-1712	995	8	attorneys	attorney	NOUN
cblr-1712	995	9	’	’	PART
cblr-1712	995	10	fees	fee	NOUN
cblr-1712	995	11	and	and	CCONJ
cblr-1712	995	12	the	the	DET
cblr-1712	995	13	actual	actual	ADJ
cblr-1712	995	14	aggregate	aggregate	ADJ
cblr-1712	995	15	class	class	NOUN
cblr-1712	995	16	recovery	recovery	NOUN
cblr-1712	995	17	lies	lie	VERB
cblr-1712	995	18	in	in	ADP
cblr-1712	995	19	the	the	DET
cblr-1712	995	20	basic	basic	ADJ
cblr-1712	995	21	economic	economic	ADJ
cblr-1712	995	22	idea	idea	NOUN
cblr-1712	995	23	that	that	SCONJ
cblr-1712	995	24	if	if	SCONJ
cblr-1712	995	25	a	a	DET
cblr-1712	995	26	class	class	NOUN
cblr-1712	995	27	action	action	NOUN
cblr-1712	995	28	were	be	AUX
cblr-1712	995	29	instead	instead	ADV
cblr-1712	995	30	an	an	DET
cblr-1712	995	31	individual	individual	ADJ
cblr-1712	995	32	suit	suit	NOUN
cblr-1712	995	33	,	,	PUNCT
cblr-1712	995	34	then	then	ADV
cblr-1712	995	35	no	no	DET
cblr-1712	995	36	rational	rational	ADJ
cblr-1712	995	37	plaintiff	plaintiff	NOUN
cblr-1712	995	38	would	would	AUX
cblr-1712	995	39	agree	agree	VERB
cblr-1712	995	40	to	to	PART
cblr-1712	995	41	pay	pay	VERB
cblr-1712	995	42	fees	fee	NOUN
cblr-1712	995	43	exceeding	exceed	VERB
cblr-1712	995	44	his	his	PRON
cblr-1712	995	45	or	or	CCONJ
cblr-1712	995	46	her	her	PRON
cblr-1712	995	47	own	own	ADJ
cblr-1712	995	48	recovery	recovery	NOUN
cblr-1712	995	49	.	.	PUNCT
cblr-1712	996	1	but	but	CCONJ
cblr-1712	996	2	such	such	DET
cblr-1712	996	3	a	a	DET
cblr-1712	996	4	plaintiff	plaintiff	NOUN
cblr-1712	996	5	would	would	AUX
cblr-1712	996	6	agree	agree	VERB
cblr-1712	996	7	to	to	PART
cblr-1712	996	8	pay	pay	VERB
cblr-1712	996	9	counsel	counsel	NOUN
cblr-1712	996	10	more	more	ADJ
cblr-1712	996	11	,	,	PUNCT
cblr-1712	996	12	the	the	PRON
cblr-1712	996	13	greater	great	ADJ
cblr-1712	996	14	his	his	PRON
cblr-1712	996	15	or	or	CCONJ
cblr-1712	996	16	her	her	PRON
cblr-1712	996	17	own	own	ADJ
cblr-1712	996	18	184	184	NUM
cblr-1712	996	19	helland	helland	NOUN
cblr-1712	996	20	&	&	CCONJ
cblr-1712	996	21	klick	klick	PROPN
cblr-1712	996	22	,	,	PUNCT
cblr-1712	996	23	supra	supra	PROPN
cblr-1712	996	24	note	note	NOUN
cblr-1712	996	25	181	181	NUM
cblr-1712	996	26	,	,	PUNCT
cblr-1712	996	27	at	at	ADP
cblr-1712	996	28	181	181	NUM
cblr-1712	996	29	.	.	PUNCT
cblr-1712	997	1	johnston	johnston	PROPN
cblr-1712	997	2	–	–	PUNCT
cblr-1712	997	3	final	final	ADJ
cblr-1712	997	4	no	no	NOUN
cblr-1712	997	5	.	.	NOUN
cblr-1712	997	6	1:1	1:1	NUM
cblr-1712	997	7	]	]	X
cblr-1712	997	8	high	high	ADJ
cblr-1712	997	9	cost	cost	NOUN
cblr-1712	997	10	,	,	PUNCT
cblr-1712	997	11	little	little	ADJ
cblr-1712	997	12	compensation	compensation	NOUN
cblr-1712	997	13	85	85	NUM
cblr-1712	997	14	recovery	recovery	NOUN
cblr-1712	997	15	is	be	AUX
cblr-1712	997	16	.	.	PUNCT
cblr-1712	998	1	this	this	DET
cblr-1712	998	2	arrangement	arrangement	NOUN
cblr-1712	998	3	describes	describe	VERB
cblr-1712	998	4	how	how	SCONJ
cblr-1712	998	5	contingency	contingency	NOUN
cblr-1712	998	6	fees	fee	NOUN
cblr-1712	998	7	work	work	VERB
cblr-1712	998	8	in	in	ADP
cblr-1712	998	9	individual	individual	ADJ
cblr-1712	998	10	personal	personal	ADJ
cblr-1712	998	11	injury	injury	NOUN
cblr-1712	998	12	actions	action	NOUN
cblr-1712	998	13	.	.	PUNCT
cblr-1712	999	1	the	the	DET
cblr-1712	999	2	class	class	NOUN
cblr-1712	999	3	action	action	NOUN
cblr-1712	999	4	is	be	AUX
cblr-1712	999	5	essentially	essentially	ADV
cblr-1712	999	6	a	a	DET
cblr-1712	999	7	substitute	substitute	NOUN
cblr-1712	999	8	,	,	PUNCT
cblr-1712	999	9	employed	employ	VERB
cblr-1712	999	10	in	in	ADP
cblr-1712	999	11	cases	case	NOUN
cblr-1712	999	12	where	where	SCONJ
cblr-1712	999	13	individual	individual	ADJ
cblr-1712	999	14	damages	damage	NOUN
cblr-1712	999	15	are	be	AUX
cblr-1712	999	16	too	too	ADV
cblr-1712	999	17	small	small	ADJ
cblr-1712	999	18	for	for	SCONJ
cblr-1712	999	19	the	the	DET
cblr-1712	999	20	typical	typical	ADJ
cblr-1712	999	21	contingency	contingency	NOUN
cblr-1712	999	22	fee	fee	NOUN
cblr-1712	999	23	to	to	PART
cblr-1712	999	24	create	create	VERB
cblr-1712	999	25	adequate	adequate	ADJ
cblr-1712	999	26	incentives	incentive	NOUN
cblr-1712	999	27	for	for	ADP
cblr-1712	999	28	lawsuits	lawsuit	NOUN
cblr-1712	999	29	.	.	PUNCT
cblr-1712	1000	1	but	but	CCONJ
cblr-1712	1000	2	the	the	DET
cblr-1712	1000	3	individual	individual	ADJ
cblr-1712	1000	4	contingency	contingency	NOUN
cblr-1712	1000	5	fee	fee	NOUN
cblr-1712	1000	6	would	would	AUX
cblr-1712	1000	7	provide	provide	VERB
cblr-1712	1000	8	the	the	DET
cblr-1712	1000	9	model	model	NOUN
cblr-1712	1000	10	for	for	ADP
cblr-1712	1000	11	classaction	classaction	NOUN
cblr-1712	1000	12	fees	fee	NOUN
cblr-1712	1000	13	.	.	PUNCT
cblr-1712	1001	1	some	some	PRON
cblr-1712	1001	2	may	may	AUX
cblr-1712	1001	3	object	object	VERB
cblr-1712	1001	4	that	that	SCONJ
cblr-1712	1001	5	the	the	DET
cblr-1712	1001	6	class	class	NOUN
cblr-1712	1001	7	action	action	NOUN
cblr-1712	1001	8	is	be	AUX
cblr-1712	1001	9	more	more	ADJ
cblr-1712	1001	10	than	than	ADP
cblr-1712	1001	11	a	a	DET
cblr-1712	1001	12	substitute	substitute	NOUN
cblr-1712	1001	13	for	for	ADP
cblr-1712	1001	14	an	an	DET
cblr-1712	1001	15	individual	individual	ADJ
cblr-1712	1001	16	action	action	NOUN
cblr-1712	1001	17	;	;	PUNCT
cblr-1712	1001	18	that	that	PRON
cblr-1712	1001	19	class	class	NOUN
cblr-1712	1001	20	actions	action	NOUN
cblr-1712	1001	21	generate	generate	VERB
cblr-1712	1001	22	external	external	ADJ
cblr-1712	1001	23	benefits	benefit	NOUN
cblr-1712	1001	24	;	;	PUNCT
cblr-1712	1001	25	that	that	SCONJ
cblr-1712	1001	26	individual	individual	ADJ
cblr-1712	1001	27	actions	action	NOUN
cblr-1712	1001	28	do	do	VERB
cblr-1712	1001	29	not	not	PART
cblr-1712	1001	30	;	;	PUNCT
cblr-1712	1001	31	and	and	CCONJ
cblr-1712	1001	32	that	that	PRON
cblr-1712	1001	33	relative	relative	ADJ
cblr-1712	1001	34	to	to	ADP
cblr-1712	1001	35	all	all	DET
cblr-1712	1001	36	benefits	benefit	NOUN
cblr-1712	1001	37	,	,	PUNCT
cblr-1712	1001	38	attorneys	attorney	NOUN
cblr-1712	1001	39	’	'	PUNCT
cblr-1712	1001	40	fees	fee	NOUN
cblr-1712	1001	41	are	be	AUX
cblr-1712	1001	42	not	not	PART
cblr-1712	1001	43	disproportionate	disproportionate	ADJ
cblr-1712	1001	44	.	.	PUNCT
cblr-1712	1002	1	the	the	DET
cblr-1712	1002	2	illinois	illinois	PROPN
cblr-1712	1002	3	data	data	PROPN
cblr-1712	1002	4	does	do	AUX
cblr-1712	1002	5	not	not	PART
cblr-1712	1002	6	generally	generally	ADV
cblr-1712	1002	7	support	support	VERB
cblr-1712	1002	8	these	these	DET
cblr-1712	1002	9	arguments	argument	NOUN
cblr-1712	1002	10	.	.	PUNCT
cblr-1712	1003	1	in	in	ADP
cblr-1712	1003	2	terms	term	NOUN
cblr-1712	1003	3	of	of	ADP
cblr-1712	1003	4	contributing	contribute	VERB
cblr-1712	1003	5	to	to	ADP
cblr-1712	1003	6	the	the	DET
cblr-1712	1003	7	stock	stock	NOUN
cblr-1712	1003	8	of	of	ADP
cblr-1712	1003	9	legal	legal	ADJ
cblr-1712	1003	10	capital	capital	NOUN
cblr-1712	1003	11	,	,	PUNCT
cblr-1712	1003	12	consumer	consumer	NOUN
cblr-1712	1003	13	class	class	NOUN
cblr-1712	1003	14	actions	action	NOUN
cblr-1712	1003	15	under	under	ADP
cblr-1712	1003	16	federal	federal	ADJ
cblr-1712	1003	17	consumer	consumer	NOUN
cblr-1712	1003	18	protection	protection	NOUN
cblr-1712	1003	19	statutes	statute	NOUN
cblr-1712	1003	20	generate	generate	VERB
cblr-1712	1003	21	few	few	ADJ
cblr-1712	1003	22	legal	legal	ADJ
cblr-1712	1003	23	precedents	precedent	NOUN
cblr-1712	1003	24	that	that	PRON
cblr-1712	1003	25	guide	guide	VERB
cblr-1712	1003	26	future	future	ADJ
cblr-1712	1003	27	behavior	behavior	NOUN
cblr-1712	1003	28	and	and	CCONJ
cblr-1712	1003	29	are	be	AUX
cblr-1712	1003	30	never	never	ADV
cblr-1712	1003	31	tried	try	VERB
cblr-1712	1003	32	on	on	ADP
cblr-1712	1003	33	the	the	DET
cblr-1712	1003	34	merits	merit	NOUN
cblr-1712	1003	35	.	.	PUNCT
cblr-1712	1004	1	as	as	ADV
cblr-1712	1004	2	far	far	ADV
cblr-1712	1004	3	as	as	SCONJ
cblr-1712	1004	4	future	future	ADJ
cblr-1712	1004	5	deterrent	deterrent	NOUN
cblr-1712	1004	6	value	value	NOUN
cblr-1712	1004	7	goes	go	VERB
cblr-1712	1004	8	,	,	PUNCT
cblr-1712	1004	9	as	as	SCONJ
cblr-1712	1004	10	argued	argue	VERB
cblr-1712	1004	11	above	above	ADV
cblr-1712	1004	12	,	,	PUNCT
cblr-1712	1004	13	relatively	relatively	ADV
cblr-1712	1004	14	uniform	uniform	ADJ
cblr-1712	1004	15	statutory	statutory	ADJ
cblr-1712	1004	16	damage	damage	NOUN
cblr-1712	1004	17	provisions	provision	NOUN
cblr-1712	1004	18	that	that	PRON
cblr-1712	1004	19	do	do	AUX
cblr-1712	1004	20	not	not	PART
cblr-1712	1004	21	require	require	VERB
cblr-1712	1004	22	allegations	allegation	NOUN
cblr-1712	1004	23	or	or	CCONJ
cblr-1712	1004	24	proof	proof	NOUN
cblr-1712	1004	25	of	of	ADP
cblr-1712	1004	26	harm	harm	NOUN
cblr-1712	1004	27	make	make	VERB
cblr-1712	1004	28	class	class	NOUN
cblr-1712	1004	29	counsel	counsel	NOUN
cblr-1712	1004	30	indifferent	indifferent	ADJ
cblr-1712	1004	31	to	to	ADP
cblr-1712	1004	32	the	the	DET
cblr-1712	1004	33	amount	amount	NOUN
cblr-1712	1004	34	of	of	ADP
cblr-1712	1004	35	actual	actual	ADJ
cblr-1712	1004	36	harm	harm	NOUN
cblr-1712	1004	37	suffered	suffer	VERB
cblr-1712	1004	38	by	by	ADP
cblr-1712	1004	39	the	the	DET
cblr-1712	1004	40	class	class	NOUN
cblr-1712	1004	41	.	.	PUNCT
cblr-1712	1005	1	cases	case	NOUN
cblr-1712	1005	2	that	that	PRON
cblr-1712	1005	3	do	do	AUX
cblr-1712	1005	4	involve	involve	VERB
cblr-1712	1005	5	actual	actual	ADJ
cblr-1712	1005	6	individual	individual	ADJ
cblr-1712	1005	7	harm	harm	NOUN
cblr-1712	1005	8	,	,	PUNCT
cblr-1712	1005	9	such	such	ADJ
cblr-1712	1005	10	as	as	ADP
cblr-1712	1005	11	attempts	attempt	NOUN
cblr-1712	1005	12	by	by	ADP
cblr-1712	1005	13	debt	debt	NOUN
cblr-1712	1005	14	collectors	collector	NOUN
cblr-1712	1005	15	to	to	PART
cblr-1712	1005	16	collect	collect	VERB
cblr-1712	1005	17	on	on	ADP
cblr-1712	1005	18	bad	bad	ADJ
cblr-1712	1005	19	debts	debt	NOUN
cblr-1712	1005	20	that	that	PRON
cblr-1712	1005	21	are	be	AUX
cblr-1712	1005	22	not	not	PART
cblr-1712	1005	23	legally	legally	ADV
cblr-1712	1005	24	collectible	collectible	ADJ
cblr-1712	1005	25	,	,	PUNCT
cblr-1712	1005	26	usually	usually	ADV
cblr-1712	1005	27	end	end	VERB
cblr-1712	1005	28	in	in	ADP
cblr-1712	1005	29	individual	individual	ADJ
cblr-1712	1005	30	settlements	settlement	NOUN
cblr-1712	1005	31	that	that	PRON
cblr-1712	1005	32	provide	provide	VERB
cblr-1712	1005	33	no	no	DET
cblr-1712	1005	34	external	external	ADJ
cblr-1712	1005	35	benefits	benefit	NOUN
cblr-1712	1005	36	.	.	PUNCT
cblr-1712	1006	1	c.	c.	PROPN
cblr-1712	1006	2	congressional	congressional	ADJ
cblr-1712	1006	3	action	action	NOUN
cblr-1712	1006	4	to	to	PART
cblr-1712	1006	5	repeal	repeal	VERB
cblr-1712	1006	6	some	some	DET
cblr-1712	1006	7	statutory	statutory	ADJ
cblr-1712	1006	8	damage	damage	NOUN
cblr-1712	1006	9	,	,	PUNCT
cblr-1712	1006	10	no	no	DET
cblr-1712	1006	11	-	-	PUNCT
cblr-1712	1006	12	harm	harm	NOUN
cblr-1712	1006	13	causes	cause	NOUN
cblr-1712	1006	14	of	of	ADP
cblr-1712	1006	15	action	action	NOUN
cblr-1712	1006	16	on	on	ADP
cblr-1712	1006	17	grounds	ground	NOUN
cblr-1712	1006	18	of	of	ADP
cblr-1712	1006	19	both	both	DET
cblr-1712	1006	20	deterrence	deterrence	NOUN
cblr-1712	1006	21	and	and	CCONJ
cblr-1712	1006	22	compensation	compensation	NOUN
cblr-1712	1006	23	,	,	PUNCT
cblr-1712	1006	24	the	the	DET
cblr-1712	1006	25	least	least	ADV
cblr-1712	1006	26	justifiable	justifiable	ADJ
cblr-1712	1006	27	class	class	NOUN
cblr-1712	1006	28	actions	action	NOUN
cblr-1712	1006	29	in	in	ADP
cblr-1712	1006	30	the	the	DET
cblr-1712	1006	31	illinois	illinois	PROPN
cblr-1712	1006	32	data	datum	NOUN
cblr-1712	1006	33	are	be	AUX
cblr-1712	1006	34	those	those	PRON
cblr-1712	1006	35	where	where	SCONJ
cblr-1712	1006	36	the	the	DET
cblr-1712	1006	37	behavior	behavior	NOUN
cblr-1712	1006	38	,	,	PUNCT
cblr-1712	1006	39	while	while	SCONJ
cblr-1712	1006	40	it	it	PRON
cblr-1712	1006	41	may	may	AUX
cblr-1712	1006	42	violate	violate	VERB
cblr-1712	1006	43	the	the	DET
cblr-1712	1006	44	statute	statute	NOUN
cblr-1712	1006	45	,	,	PUNCT
cblr-1712	1006	46	causes	cause	VERB
cblr-1712	1006	47	no	no	DET
cblr-1712	1006	48	harm	harm	NOUN
cblr-1712	1006	49	,	,	PUNCT
cblr-1712	1006	50	such	such	ADJ
cblr-1712	1006	51	as	as	ADP
cblr-1712	1006	52	fcra	fcra	NOUN
cblr-1712	1006	53	expiration	expiration	NOUN
cblr-1712	1006	54	date	date	NOUN
cblr-1712	1006	55	cases	case	NOUN
cblr-1712	1006	56	.	.	PUNCT
cblr-1712	1007	1	congress	congress	PROPN
cblr-1712	1007	2	acted	act	VERB
cblr-1712	1007	3	in	in	ADP
cblr-1712	1007	4	2012	2012	NUM
cblr-1712	1007	5	to	to	PART
cblr-1712	1007	6	repeal	repeal	VERB
cblr-1712	1007	7	one	one	NUM
cblr-1712	1007	8	such	such	ADJ
cblr-1712	1007	9	provision	provision	NOUN
cblr-1712	1007	10	:	:	PUNCT
cblr-1712	1007	11	the	the	DET
cblr-1712	1007	12	efta	efta	NOUN
cblr-1712	1007	13	provision	provision	NOUN
cblr-1712	1007	14	requiring	require	VERB
cblr-1712	1007	15	a	a	DET
cblr-1712	1007	16	notice	notice	NOUN
cblr-1712	1007	17	of	of	ADP
cblr-1712	1007	18	atm	atm	NOUN
cblr-1712	1007	19	fees	fee	NOUN
cblr-1712	1007	20	“	"	PUNCT
cblr-1712	1007	21	on	on	ADP
cblr-1712	1007	22	or	or	CCONJ
cblr-1712	1007	23	at	at	ADP
cblr-1712	1007	24	”	"	PUNCT
cblr-1712	1007	25	the	the	DET
cblr-1712	1007	26	machine.185	machine.185	NOUN
cblr-1712	1007	27	likewise	likewise	ADV
cblr-1712	1007	28	,	,	PUNCT
cblr-1712	1007	29	congress	congress	PROPN
cblr-1712	1007	30	could	could	AUX
cblr-1712	1007	31	repeal	repeal	VERB
cblr-1712	1007	32	similar	similar	ADJ
cblr-1712	1007	33	provisions	provision	NOUN
cblr-1712	1007	34	,	,	PUNCT
cblr-1712	1007	35	such	such	ADJ
cblr-1712	1007	36	as	as	ADP
cblr-1712	1007	37	the	the	DET
cblr-1712	1007	38	fcra	fcra	NOUN
cblr-1712	1007	39	expiration	expiration	NOUN
cblr-1712	1007	40	date	date	NOUN
cblr-1712	1007	41	prohibition	prohibition	NOUN
cblr-1712	1007	42	.	.	PUNCT
cblr-1712	1008	1	185	185	NUM
cblr-1712	1008	2	see	see	VERB
cblr-1712	1008	3	discussion	discussion	NOUN
cblr-1712	1008	4	supra	supra	PROPN
cblr-1712	1008	5	section	section	PROPN
cblr-1712	1008	6	ii.b	ii.b	PROPN
cblr-1712	1008	7	.	.	PUNCT
cblr-1712	1009	1	johnston	johnston	PROPN
cblr-1712	1009	2	–	–	PUNCT
cblr-1712	1009	3	final	final	ADJ
cblr-1712	1009	4	86	86	NUM
cblr-1712	1009	5	columbia	columbia	PROPN
cblr-1712	1009	6	business	business	NOUN
cblr-1712	1009	7	law	law	PROPN
cblr-1712	1009	8	review	review	NOUN
cblr-1712	1010	1	[	[	X
cblr-1712	1010	2	vol	vol	NOUN
cblr-1712	1010	3	.	.	NOUN
cblr-1712	1010	4	2017	2017	NUM
cblr-1712	1010	5	somewhat	somewhat	ADV
cblr-1712	1010	6	more	more	ADV
cblr-1712	1010	7	broadly	broadly	ADV
cblr-1712	1010	8	,	,	PUNCT
cblr-1712	1010	9	congress	congress	PROPN
cblr-1712	1010	10	should	should	AUX
cblr-1712	1010	11	act	act	VERB
cblr-1712	1010	12	to	to	PART
cblr-1712	1010	13	repeal	repeal	VERB
cblr-1712	1010	14	or	or	CCONJ
cblr-1712	1010	15	limit	limit	VERB
cblr-1712	1010	16	many	many	ADJ
cblr-1712	1010	17	of	of	ADP
cblr-1712	1010	18	the	the	DET
cblr-1712	1010	19	statutory	statutory	ADJ
cblr-1712	1010	20	formalities	formality	NOUN
cblr-1712	1010	21	whose	whose	DET
cblr-1712	1010	22	violation	violation	NOUN
cblr-1712	1010	23	so	so	ADV
cblr-1712	1010	24	often	often	ADV
cblr-1712	1010	25	provides	provide	VERB
cblr-1712	1010	26	the	the	DET
cblr-1712	1010	27	basis	basis	NOUN
cblr-1712	1010	28	for	for	ADP
cblr-1712	1010	29	a	a	DET
cblr-1712	1010	30	class	class	NOUN
cblr-1712	1010	31	-	-	PUNCT
cblr-1712	1010	32	action	action	NOUN
cblr-1712	1010	33	settlement	settlement	NOUN
cblr-1712	1010	34	.	.	PUNCT
cblr-1712	1011	1	the	the	DET
cblr-1712	1011	2	most	most	ADV
cblr-1712	1011	3	ubiquitous	ubiquitous	ADJ
cblr-1712	1011	4	such	such	ADJ
cblr-1712	1011	5	formality	formality	NOUN
cblr-1712	1011	6	is	be	AUX
cblr-1712	1011	7	a	a	DET
cblr-1712	1011	8	disclosure	disclosure	NOUN
cblr-1712	1011	9	requirement	requirement	NOUN
cblr-1712	1011	10	.	.	PUNCT
cblr-1712	1012	1	cases	case	NOUN
cblr-1712	1012	2	alleging	allege	VERB
cblr-1712	1012	3	violation	violation	NOUN
cblr-1712	1012	4	of	of	ADP
cblr-1712	1012	5	a	a	DET
cblr-1712	1012	6	statutory	statutory	ADJ
cblr-1712	1012	7	disclosure	disclosure	NOUN
cblr-1712	1012	8	requirement	requirement	NOUN
cblr-1712	1012	9	generate	generate	VERB
cblr-1712	1012	10	a	a	DET
cblr-1712	1012	11	large	large	ADJ
cblr-1712	1012	12	number	number	NOUN
cblr-1712	1012	13	of	of	ADP
cblr-1712	1012	14	class	class	NOUN
cblr-1712	1012	15	-	-	PUNCT
cblr-1712	1012	16	action	action	NOUN
cblr-1712	1012	17	settlements	settlement	NOUN
cblr-1712	1012	18	under	under	ADP
cblr-1712	1012	19	both	both	CCONJ
cblr-1712	1012	20	the	the	DET
cblr-1712	1012	21	fcra	fcra	NOUN
cblr-1712	1012	22	and	and	CCONJ
cblr-1712	1012	23	the	the	DET
cblr-1712	1012	24	fdcpa	fdcpa	NOUN
cblr-1712	1012	25	.	.	PUNCT
cblr-1712	1013	1	as	as	SCONJ
cblr-1712	1013	2	there	there	PRON
cblr-1712	1013	3	is	be	VERB
cblr-1712	1013	4	substantial	substantial	ADJ
cblr-1712	1013	5	evidence	evidence	NOUN
cblr-1712	1013	6	that	that	SCONJ
cblr-1712	1013	7	such	such	ADJ
cblr-1712	1013	8	disclosure	disclosure	NOUN
cblr-1712	1013	9	requirements	requirement	NOUN
cblr-1712	1013	10	fail	fail	VERB
cblr-1712	1013	11	to	to	PART
cblr-1712	1013	12	inform	inform	VERB
cblr-1712	1013	13	consumers,186	consumers,186	ADJ
cblr-1712	1013	14	their	their	PRON
cblr-1712	1013	15	violation	violation	NOUN
cblr-1712	1013	16	arguably	arguably	ADV
cblr-1712	1013	17	causes	cause	VERB
cblr-1712	1013	18	no	no	DET
cblr-1712	1013	19	harm	harm	NOUN
cblr-1712	1013	20	to	to	ADP
cblr-1712	1013	21	consumers	consumer	NOUN
cblr-1712	1013	22	.	.	PUNCT
cblr-1712	1014	1	since	since	SCONJ
cblr-1712	1014	2	small	small	ADJ
cblr-1712	1014	3	and	and	CCONJ
cblr-1712	1014	4	medium	medium	ADJ
cblr-1712	1014	5	sized	sized	ADJ
cblr-1712	1014	6	firms	firm	NOUN
cblr-1712	1014	7	are	be	AUX
cblr-1712	1014	8	most	most	ADV
cblr-1712	1014	9	likely	likely	ADJ
cblr-1712	1014	10	to	to	PART
cblr-1712	1014	11	be	be	AUX
cblr-1712	1014	12	without	without	ADP
cblr-1712	1014	13	the	the	DET
cblr-1712	1014	14	continuing	continue	VERB
cblr-1712	1014	15	legal	legal	ADJ
cblr-1712	1014	16	advice	advice	NOUN
cblr-1712	1014	17	that	that	PRON
cblr-1712	1014	18	would	would	AUX
cblr-1712	1014	19	allow	allow	VERB
cblr-1712	1014	20	them	they	PRON
cblr-1712	1014	21	to	to	PART
cblr-1712	1014	22	avoid	avoid	VERB
cblr-1712	1014	23	formality	formality	NOUN
cblr-1712	1014	24	violations	violation	NOUN
cblr-1712	1014	25	,	,	PUNCT
cblr-1712	1014	26	they	they	PRON
cblr-1712	1014	27	are	be	AUX
cblr-1712	1014	28	most	most	ADV
cblr-1712	1014	29	likely	likely	ADJ
cblr-1712	1014	30	to	to	PART
cblr-1712	1014	31	violate	violate	VERB
cblr-1712	1014	32	these	these	DET
cblr-1712	1014	33	statutes	statute	NOUN
cblr-1712	1014	34	.	.	PUNCT
cblr-1712	1015	1	eliminating	eliminate	VERB
cblr-1712	1015	2	the	the	DET
cblr-1712	1015	3	statutes	statute	NOUN
cblr-1712	1015	4	would	would	AUX
cblr-1712	1015	5	ease	ease	VERB
cblr-1712	1015	6	one	one	NUM
cblr-1712	1015	7	of	of	ADP
cblr-1712	1015	8	the	the	DET
cblr-1712	1015	9	burdens	burden	NOUN
cblr-1712	1015	10	on	on	ADP
cblr-1712	1015	11	such	such	ADJ
cblr-1712	1015	12	businesses	business	NOUN
cblr-1712	1015	13	,	,	PUNCT
cblr-1712	1015	14	which	which	PRON
cblr-1712	1015	15	are	be	AUX
cblr-1712	1015	16	a	a	DET
cblr-1712	1015	17	primary	primary	ADJ
cblr-1712	1015	18	source	source	NOUN
cblr-1712	1015	19	of	of	ADP
cblr-1712	1015	20	jobs	job	NOUN
cblr-1712	1015	21	and	and	CCONJ
cblr-1712	1015	22	job	job	NOUN
cblr-1712	1015	23	growth	growth	NOUN
cblr-1712	1015	24	in	in	ADP
cblr-1712	1015	25	the	the	DET
cblr-1712	1015	26	american	american	ADJ
cblr-1712	1015	27	economy	economy	NOUN
cblr-1712	1015	28	.	.	PUNCT
cblr-1712	1016	1	186	186	NUM
cblr-1712	1016	2	see	see	VERB
cblr-1712	1016	3	ben	ben	PROPN
cblr-1712	1016	4	-	-	PUNCT
cblr-1712	1016	5	shahar	shahar	PROPN
cblr-1712	1016	6	,	,	PUNCT
cblr-1712	1016	7	supra	supra	PROPN
cblr-1712	1016	8	note	note	PROPN
cblr-1712	1016	9	153	153	NUM
cblr-1712	1016	10	,	,	PUNCT
cblr-1712	1016	11	at	at	ADP
cblr-1712	1016	12	4	4	NUM
cblr-1712	1016	13	.	.	PUNCT
cblr-1712	1017	1	johnston	johnston	PROPN
cblr-1712	1017	2	–	–	PUNCT
cblr-1712	1017	3	final	final	ADJ
cblr-1712	1017	4	no	no	NOUN
cblr-1712	1017	5	.	.	NOUN
cblr-1712	1017	6	1:1	1:1	NUM
cblr-1712	1017	7	]	]	X
cblr-1712	1017	8	high	high	ADJ
cblr-1712	1017	9	cost	cost	NOUN
cblr-1712	1017	10	,	,	PUNCT
cblr-1712	1017	11	little	little	ADJ
cblr-1712	1017	12	compensation	compensation	NOUN
cblr-1712	1017	13	87	87	NUM
cblr-1712	1017	14	appendix	appendix	NOUN
cblr-1712	1017	15	1	1	NUM
cblr-1712	1017	16	.	.	PUNCT
cblr-1712	1017	17	class	class	NOUN
cblr-1712	1017	18	settlements	settlement	NOUN
cblr-1712	1017	19	in	in	ADP
cblr-1712	1017	20	efta	efta	PROPN
cblr-1712	1017	21	atm	atm	PROPN
cblr-1712	1017	22	notice	notice	NOUN
cblr-1712	1017	23	failure	failure	NOUN
cblr-1712	1017	24	cases	case	NOUN
cblr-1712	1017	25	case	case	NOUN
cblr-1712	1017	26	name	name	NOUN
cblr-1712	1017	27	(	(	PUNCT
cblr-1712	1017	28	date	date	NOUN
cblr-1712	1017	29	filed	file	VERB
cblr-1712	1017	30	–	–	PUNCT
cblr-1712	1017	31	date	date	NOUN
cblr-1712	1017	32	settled	settle	VERB
cblr-1712	1017	33	)	)	PUNCT
cblr-1712	1017	34	nominal	nominal	ADJ
cblr-1712	1017	35	class	class	NOUN
cblr-1712	1017	36	settlement	settlement	NOUN
cblr-1712	1017	37	attys	attys	PROPN
cblr-1712	1017	38	’	'	PUNCT
cblr-1712	1017	39	fees	fee	NOUN
cblr-1712	1017	40	claims	claim	NOUN
cblr-1712	1017	41	submitted	submit	VERB
cblr-1712	1017	42	,	,	PUNCT
cblr-1712	1017	43	actual	actual	ADJ
cblr-1712	1017	44	class	class	NOUN
cblr-1712	1017	45	payout	payout	NOUN
cblr-1712	1017	46	&	&	CCONJ
cblr-1712	1017	47	as	as	ADP
cblr-1712	1017	48	fraction	fraction	NOUN
cblr-1712	1017	49	of	of	ADP
cblr-1712	1017	50	class	class	NOUN
cblr-1712	1017	51	settlement	settlement	NOUN
cblr-1712	1017	52	fund	fund	NOUN
cblr-1712	1017	53	payout	payout	NOUN
cblr-1712	1017	54	per	per	ADP
cblr-1712	1017	55	class	class	NOUN
cblr-1712	1017	56	member	member	NOUN
cblr-1712	1017	57	attys	attys	NOUN
cblr-1712	1017	58	’	'	PUNCT
cblr-1712	1017	59	fees	fee	NOUN
cblr-1712	1017	60	as	as	ADP
cblr-1712	1017	61	fraction	fraction	NOUN
cblr-1712	1017	62	of	of	ADP
cblr-1712	1017	63	settlem	settlem	NOUN
cblr-1712	1017	64	.	.	PUNCT
cblr-1712	1018	1	attys	attys	PROPN
cblr-1712	1018	2	’	'	PUNCT
cblr-1712	1018	3	fees	fee	NOUN
cblr-1712	1018	4	as	as	ADP
cblr-1712	1018	5	fraction	fraction	NOUN
cblr-1712	1018	6	of	of	ADP
cblr-1712	1018	7	actual	actual	ADJ
cblr-1712	1018	8	class	class	NOUN
cblr-1712	1018	9	payout	payout	NOUN
cblr-1712	1018	10	goldshteyn	goldshteyn	VERB
cblr-1712	1018	11	v.	v.	ADP
cblr-1712	1018	12	argonne	argonne	PROPN
cblr-1712	1018	13	credit	credit	PROPN
cblr-1712	1018	14	union	union	PROPN
cblr-1712	1018	15	,	,	PUNCT
cblr-1712	1018	16	10cv-05402	10cv-05402	NUM
cblr-1712	1018	17	,	,	PUNCT
cblr-1712	1018	18	8/10–4/12	8/10–4/12	PROPN
cblr-1712	1018	19	$	$	SYM
cblr-1712	1018	20	150,000	150,000	NUM
cblr-1712	1018	21	$	$	SYM
cblr-1712	1018	22	50,000	50,000	NUM
cblr-1712	1018	23	only	only	ADV
cblr-1712	1018	24	net	net	NOUN
cblr-1712	1018	25	of	of	ADP
cblr-1712	1018	26	$	$	SYM
cblr-1712	1018	27	100,000	100,000	NUM
cblr-1712	1018	28	available	available	ADJ
cblr-1712	1018	29	for	for	ADP
cblr-1712	1018	30	class	class	NOUN
cblr-1712	1018	31	,	,	PUNCT
cblr-1712	1018	32	42	42	NUM
cblr-1712	1018	33	class	class	NOUN
cblr-1712	1018	34	members	member	NOUN
cblr-1712	1018	35	certified	certify	VERB
cblr-1712	1018	36	receiving	receive	VERB
cblr-1712	1018	37	payout	payout	NOUN
cblr-1712	1018	38	of	of	ADP
cblr-1712	1018	39	$	$	SYM
cblr-1712	1018	40	1,000	1,000	NUM
cblr-1712	1018	41	each	each	PRON
cblr-1712	1018	42	=	=	NOUN
cblr-1712	1018	43	$	$	SYM
cblr-1712	1018	44	42,000	42,000	NUM
cblr-1712	1018	45	=	=	SYM
cblr-1712	1018	46	28	28	NUM
cblr-1712	1018	47	%	%	NOUN
cblr-1712	1018	48	settlement	settlement	NOUN
cblr-1712	1018	49	fund	fund	NOUN
cblr-1712	1018	50	(	(	PUNCT
cblr-1712	1018	51	sf	sf	PROPN
cblr-1712	1018	52	)	)	PUNCT
cblr-1712	1018	53	.	.	PUNCT
cblr-1712	1019	1	“	"	PUNCT
cblr-1712	1019	2	hundreds	hundred	NOUN
cblr-1712	1019	3	”	"	PUNCT
cblr-1712	1019	4	of	of	ADP
cblr-1712	1019	5	class	class	NOUN
cblr-1712	1019	6	members	member	NOUN
cblr-1712	1019	7	,	,	PUNCT
cblr-1712	1019	8	46,292	46,292	NUM
cblr-1712	1019	9	atm	atm	NOUN
cblr-1712	1019	10	transactions	transaction	NOUN
cblr-1712	1019	11	during	during	ADP
cblr-1712	1019	12	relevant	relevant	ADJ
cblr-1712	1019	13	period	period	NOUN
cblr-1712	1019	14	$	$	SYM
cblr-1712	1019	15	1,000	1,000	NUM
cblr-1712	1019	16	33	33	NUM
cblr-1712	1019	17	%	%	NOUN
cblr-1712	1019	18	119	119	NUM
cblr-1712	1019	19	%	%	NOUN
cblr-1712	1019	20	barreto	barreto	PROPN
cblr-1712	1019	21	v.	v.	PROPN
cblr-1712	1019	22	center	center	PROPN
cblr-1712	1019	23	bank	bank	PROPN
cblr-1712	1019	24	,	,	PUNCT
cblr-1712	1019	25	10cv-06554	10cv-06554	PROPN
cblr-1712	1019	26	,	,	PUNCT
cblr-1712	1019	27	10/10–8/11	10/10–8/11	NUM
cblr-1712	1019	28	$	$	SYM
cblr-1712	1019	29	40,000	40,000	NUM
cblr-1712	1019	30	(	(	PUNCT
cblr-1712	1019	31	balance	balance	NOUN
cblr-1712	1019	32	cy	cy	ADP
cblr-1712	1019	33	pres	pre	NOUN
cblr-1712	1019	34	to	to	ADP
cblr-1712	1019	35	chicago	chicago	PROPN
cblr-1712	1019	36	bar	bar	PROPN
cblr-1712	1019	37	fdn	fdn	PROPN
cblr-1712	1019	38	)	)	PUNCT
cblr-1712	1019	39	.	.	PUNCT
cblr-1712	1020	1	$	$	SYM
cblr-1712	1020	2	12,000	12,000	NUM
cblr-1712	1020	3	18	18	NUM
cblr-1712	1020	4	valid	valid	ADJ
cblr-1712	1020	5	claims	claim	NOUN
cblr-1712	1020	6	=	=	SYM
cblr-1712	1020	7	5	5	NUM
cblr-1712	1020	8	%	%	NOUN
cblr-1712	1020	9	of	of	ADP
cblr-1712	1020	10	total	total	ADJ
cblr-1712	1020	11	class	class	NOUN
cblr-1712	1020	12	,	,	PUNCT
cblr-1712	1020	13	$	$	SYM
cblr-1712	1020	14	1,000	1,000	NUM
cblr-1712	1020	15	each	each	PRON
cblr-1712	1020	16	,	,	PUNCT
cblr-1712	1020	17	$	$	SYM
cblr-1712	1020	18	18,000	18,000	NUM
cblr-1712	1020	19	total	total	NOUN
cblr-1712	1020	20	=	=	NUM
cblr-1712	1020	21	45	45	NUM
cblr-1712	1020	22	%	%	NOUN
cblr-1712	1020	23	of	of	ADP
cblr-1712	1020	24	sf	sf	PROPN
cblr-1712	1020	25	$	$	SYM
cblr-1712	1020	26	1,000	1,000	NUM
cblr-1712	1020	27	plus	plus	CCONJ
cblr-1712	1020	28	$	$	SYM
cblr-1712	1020	29	2,000	2,000	NUM
cblr-1712	1020	30	to	to	PART
cblr-1712	1020	31	named	name	VERB
cblr-1712	1020	32	plaintiff	plaintiff	NOUN
cblr-1712	1020	33	;	;	PUNCT
cblr-1712	1020	34	$	$	SYM
cblr-1712	1020	35	7181	7181	NUM
cblr-1712	1020	36	in	in	ADP
cblr-1712	1020	37	notice	notice	NOUN
cblr-1712	1020	38	and	and	CCONJ
cblr-1712	1020	39	admn	admn	NOUN
cblr-1712	1020	40	costs	cost	VERB
cblr-1712	1020	41	30	30	NUM
cblr-1712	1020	42	%	%	NOUN
cblr-1712	1020	43	66	66	NUM
cblr-1712	1020	44	%	%	NOUN
cblr-1712	1020	45	louisma	louisma	NOUN
cblr-1712	1020	46	v.	v.	ADP
cblr-1712	1020	47	automated	automate	VERB
cblr-1712	1020	48	financial	financial	PROPN
cblr-1712	1020	49	llc	llc	PROPN
cblr-1712	1020	50	,	,	PUNCT
cblr-1712	1020	51	11	11	NUM
cblr-1712	1020	52	-	-	PUNCT
cblr-1712	1020	53	cv02104	cv02104	NOUN
cblr-1712	1020	54	,	,	PUNCT
cblr-1712	1020	55	3/11–9/12	3/11–9/12	PROPN
cblr-1712	1020	56	$	$	SYM
cblr-1712	1020	57	53,000	53,000	NUM
cblr-1712	1020	58	(	(	PUNCT
cblr-1712	1020	59	not	not	PART
cblr-1712	1020	60	incl	incl	NOUN
cblr-1712	1020	61	.	.	PUNCT
cblr-1712	1021	1	class	class	NOUN
cblr-1712	1021	2	counsel	counsel	NOUN
cblr-1712	1021	3	attys	attys	NOUN
cblr-1712	1021	4	’	'	PUNCT
cblr-1712	1021	5	fees	fee	NOUN
cblr-1712	1021	6	)	)	PUNCT
cblr-1712	1021	7	so	so	ADV
cblr-1712	1021	8	including	include	VERB
cblr-1712	1021	9	fees	fee	NOUN
cblr-1712	1021	10	,	,	PUNCT
cblr-1712	1021	11	total	total	NOUN
cblr-1712	1021	12	of	of	ADP
cblr-1712	1021	13	$	$	SYM
cblr-1712	1021	14	110,000	110,000	NUM
cblr-1712	1021	15	$	$	SYM
cblr-1712	1021	16	57,000	57,000	NUM
cblr-1712	1021	17	44	44	NUM
cblr-1712	1021	18	claims	claim	NOUN
cblr-1712	1021	19	forms	form	NOUN
cblr-1712	1021	20	submitted	submit	VERB
cblr-1712	1021	21	(	(	PUNCT
cblr-1712	1021	22	23	23	NUM
cblr-1712	1021	23	late	late	ADJ
cblr-1712	1021	24	)	)	PUNCT
cblr-1712	1021	25	@$900	@$900	NOUN
cblr-1712	1021	26	=	=	NOUN
cblr-1712	1021	27	$	$	SYM
cblr-1712	1021	28	39,600	39,600	NUM
cblr-1712	1021	29	=	=	SYM
cblr-1712	1021	30	79	79	NUM
cblr-1712	1021	31	%	%	NOUN
cblr-1712	1021	32	of	of	ADP
cblr-1712	1021	33	sf	sf	PROPN
cblr-1712	1021	34	.	.	PUNCT
cblr-1712	1022	1	balance	balance	NOUN
cblr-1712	1022	2	cy	cy	ADP
cblr-1712	1022	3	pres	pre	NOUN
cblr-1712	1022	4	to	to	ADP
cblr-1712	1022	5	chicago	chicago	PROPN
cblr-1712	1022	6	bar	bar	PROPN
cblr-1712	1022	7	fdn	fdn	PROPN
cblr-1712	1022	8	.	.	PUNCT
cblr-1712	1023	1	more	more	ADJ
cblr-1712	1023	2	than	than	ADP
cblr-1712	1023	3	20,000	20,000	NUM
cblr-1712	1023	4	atm	atm	NOUN
cblr-1712	1023	5	transactions	transaction	NOUN
cblr-1712	1023	6	during	during	ADP
cblr-1712	1023	7	period	period	NOUN
cblr-1712	1023	8	$	$	SYM
cblr-1712	1023	9	900	900	NUM
cblr-1712	1023	10	plus	plus	CCONJ
cblr-1712	1023	11	$	$	SYM
cblr-1712	1023	12	1,500	1,500	NUM
cblr-1712	1023	13	each	each	PRON
cblr-1712	1023	14	to	to	ADP
cblr-1712	1023	15	two	two	NUM
cblr-1712	1023	16	named	name	VERB
cblr-1712	1023	17	plaintiffs	plaintiff	NOUN
cblr-1712	1023	18	;	;	PUNCT
cblr-1712	1023	19	$	$	SYM
cblr-1712	1023	20	2,548	2,548	NUM
cblr-1712	1023	21	settle	settle	NOUN
cblr-1712	1023	22	.	.	PUNCT
cblr-1712	1024	1	admn	admn	PROPN
cblr-1712	1024	2	.	.	PUNCT
cblr-1712	1025	1	costs	cost	VERB
cblr-1712	1025	2	57	57	NUM
cblr-1712	1025	3	%	%	NOUN
cblr-1712	1025	4	144	144	NUM
cblr-1712	1025	5	%	%	NOUN
cblr-1712	1025	6	nguyen	nguyen	NOUN
cblr-1712	1025	7	v.	v.	ADP
cblr-1712	1025	8	south	south	PROPN
cblr-1712	1025	9	central	central	PROPN
cblr-1712	1025	10	bank	bank	PROPN
cblr-1712	1025	11	,	,	PUNCT
cblr-1712	1025	12	11cv-02612	11cv-02612	NUM
cblr-1712	1025	13	,	,	PUNCT
cblr-1712	1025	14	4/11–9/12	4/11–9/12	PROPN
cblr-1712	1025	15	$	$	SYM
cblr-1712	1025	16	150,000	150,000	NUM
cblr-1712	1025	17	$	$	SYM
cblr-1712	1025	18	50,000	50,000	NUM
cblr-1712	1025	19	12,000	12,000	NUM
cblr-1712	1025	20	transactions	transaction	NOUN
cblr-1712	1025	21	at	at	ADP
cblr-1712	1025	22	un	un	ADJ
cblr-1712	1025	23	-	-	ADJ
cblr-1712	1025	24	noticed	noticed	ADJ
cblr-1712	1025	25	atm	atm	NOUN
cblr-1712	1025	26	,	,	PUNCT
cblr-1712	1025	27	but	but	CCONJ
cblr-1712	1025	28	only	only	ADV
cblr-1712	1025	29	75	75	NUM
cblr-1712	1025	30	valid	valid	ADJ
cblr-1712	1025	31	claims	claim	NOUN
cblr-1712	1025	32	submitted	submit	VERB
cblr-1712	1025	33	aggregated	aggregate	VERB
cblr-1712	1025	34	payout	payout	NOUN
cblr-1712	1025	35	of	of	ADP
cblr-1712	1025	36	$	$	SYM
cblr-1712	1025	37	75,000	75,000	NUM
cblr-1712	1025	38	=	=	SYM
cblr-1712	1025	39	50	50	NUM
cblr-1712	1025	40	%	%	NOUN
cblr-1712	1025	41	nominal	nominal	ADJ
cblr-1712	1025	42	fund	fund	NOUN
cblr-1712	1025	43	.	.	PUNCT
cblr-1712	1026	1	$	$	SYM
cblr-1712	1026	2	1,000	1,000	NUM
cblr-1712	1026	3	plus	plus	CCONJ
cblr-1712	1026	4	$	$	SYM
cblr-1712	1026	5	1,500	1,500	NUM
cblr-1712	1026	6	per	per	ADP
cblr-1712	1026	7	x	x	X
cblr-1712	1026	8	2	2	NUM
cblr-1712	1026	9	named	name	VERB
cblr-1712	1026	10	plaintiffs	plaintiff	NOUN
cblr-1712	1026	11	+	+	CCONJ
cblr-1712	1026	12	$	$	SYM
cblr-1712	1026	13	2,657	2,657	NUM
cblr-1712	1026	14	notice	notice	NOUN
cblr-1712	1026	15	costs	cost	VERB
cblr-1712	1026	16	33	33	NUM
cblr-1712	1026	17	%	%	NOUN
cblr-1712	1026	18	66	66	NUM
cblr-1712	1026	19	%	%	NOUN
cblr-1712	1026	20	cole	cole	PROPN
cblr-1712	1026	21	v.	v.	ADP
cblr-1712	1026	22	automated	automate	VERB
cblr-1712	1026	23	financial	financial	PROPN
cblr-1712	1026	24	llc	llc	PROPN
cblr-1712	1026	25	,	,	PUNCT
cblr-1712	1026	26	11	11	NUM
cblr-1712	1026	27	-	-	PUNCT
cblr-1712	1026	28	cv03299	cv03299	NOUN
cblr-1712	1026	29	,	,	PUNCT
cblr-1712	1026	30	5/11–9/12	5/11–9/12	PROPN
cblr-1712	1026	31	consolidated	consolidate	VERB
cblr-1712	1026	32	with	with	ADP
cblr-1712	1026	33	louisma	louisma	NOUN
cblr-1712	1026	34	,	,	PUNCT
cblr-1712	1026	35	supra	supra	ADJ
cblr-1712	1026	36	,	,	PUNCT
cblr-1712	1026	37	same	same	ADJ
cblr-1712	1026	38	settlement	settlement	NOUN
cblr-1712	1026	39	n	n	CCONJ
cblr-1712	1026	40	/	/	SYM
cblr-1712	1026	41	a	a	DET
cblr-1712	1026	42	n	n	NOUN
cblr-1712	1026	43	/	/	SYM
cblr-1712	1026	44	a	a	DET
cblr-1712	1026	45	n	n	NOUN
cblr-1712	1026	46	/	/	SYM
cblr-1712	1026	47	a	a	DET
cblr-1712	1026	48	n	n	NOUN
cblr-1712	1026	49	/	/	SYM
cblr-1712	1026	50	a	a	DET
cblr-1712	1026	51	n	n	CCONJ
cblr-1712	1026	52	/	/	SYM
cblr-1712	1026	53	a	a	DET
cblr-1712	1026	54	johnston	johnston	NOUN
cblr-1712	1026	55	–	–	PUNCT
cblr-1712	1026	56	final	final	ADJ
cblr-1712	1026	57	88	88	NUM
cblr-1712	1026	58	columbia	columbia	PROPN
cblr-1712	1026	59	business	business	NOUN
cblr-1712	1026	60	law	law	PROPN
cblr-1712	1026	61	review	review	NOUN
cblr-1712	1026	62	[	[	X
cblr-1712	1026	63	vol	vol	NOUN
cblr-1712	1026	64	.	.	NOUN
cblr-1712	1026	65	2017	2017	NUM
cblr-1712	1026	66	case	case	NOUN
cblr-1712	1026	67	name	name	NOUN
cblr-1712	1026	68	(	(	PUNCT
cblr-1712	1026	69	date	date	NOUN
cblr-1712	1026	70	filed	file	VERB
cblr-1712	1026	71	–	–	PUNCT
cblr-1712	1026	72	date	date	NOUN
cblr-1712	1026	73	settled	settle	VERB
cblr-1712	1026	74	)	)	PUNCT
cblr-1712	1026	75	nominal	nominal	ADJ
cblr-1712	1026	76	class	class	NOUN
cblr-1712	1026	77	settlement	settlement	NOUN
cblr-1712	1026	78	attys	attys	PROPN
cblr-1712	1026	79	’	'	PUNCT
cblr-1712	1026	80	fees	fee	NOUN
cblr-1712	1026	81	claims	claim	NOUN
cblr-1712	1026	82	submitted	submit	VERB
cblr-1712	1026	83	,	,	PUNCT
cblr-1712	1026	84	actual	actual	ADJ
cblr-1712	1026	85	class	class	NOUN
cblr-1712	1026	86	payout	payout	NOUN
cblr-1712	1026	87	&	&	CCONJ
cblr-1712	1026	88	as	as	ADP
cblr-1712	1026	89	fraction	fraction	NOUN
cblr-1712	1026	90	of	of	ADP
cblr-1712	1026	91	class	class	NOUN
cblr-1712	1026	92	settlement	settlement	NOUN
cblr-1712	1026	93	fund	fund	NOUN
cblr-1712	1026	94	payout	payout	NOUN
cblr-1712	1026	95	per	per	ADP
cblr-1712	1026	96	class	class	NOUN
cblr-1712	1026	97	member	member	NOUN
cblr-1712	1026	98	attys	attys	NOUN
cblr-1712	1026	99	’	'	PUNCT
cblr-1712	1026	100	fees	fee	NOUN
cblr-1712	1026	101	as	as	ADP
cblr-1712	1026	102	fraction	fraction	NOUN
cblr-1712	1026	103	of	of	ADP
cblr-1712	1026	104	settlem	settlem	NOUN
cblr-1712	1026	105	.	.	PUNCT
cblr-1712	1027	1	attys	attys	PROPN
cblr-1712	1027	2	’	'	PUNCT
cblr-1712	1027	3	fees	fee	NOUN
cblr-1712	1027	4	as	as	ADP
cblr-1712	1027	5	fraction	fraction	NOUN
cblr-1712	1027	6	of	of	ADP
cblr-1712	1027	7	actual	actual	ADJ
cblr-1712	1027	8	class	class	NOUN
cblr-1712	1027	9	payout	payout	NOUN
cblr-1712	1027	10	jones	jones	PROPN
cblr-1712	1027	11	v.	v.	PROPN
cblr-1712	1027	12	south	south	PROPN
cblr-1712	1027	13	central	central	PROPN
cblr-1712	1027	14	bank	bank	PROPN
cblr-1712	1027	15	,	,	PUNCT
cblr-1712	1027	16	11cv-04389	11cv-04389	NUM
cblr-1712	1027	17	,	,	PUNCT
cblr-1712	1027	18	6/11–9/12	6/11–9/12	PROPN
cblr-1712	1027	19	consolidated	consolidate	VERB
cblr-1712	1027	20	with	with	ADP
cblr-1712	1027	21	nguyen	nguyen	NOUN
cblr-1712	1027	22	,	,	PUNCT
cblr-1712	1027	23	supra	supra	ADJ
cblr-1712	1027	24	,	,	PUNCT
cblr-1712	1027	25	same	same	ADJ
cblr-1712	1027	26	settlement	settlement	NOUN
cblr-1712	1027	27	n	n	CCONJ
cblr-1712	1027	28	/	/	SYM
cblr-1712	1027	29	a	a	DET
cblr-1712	1027	30	n	n	NOUN
cblr-1712	1027	31	/	/	SYM
cblr-1712	1027	32	a	a	DET
cblr-1712	1027	33	n	n	NOUN
cblr-1712	1027	34	/	/	SYM
cblr-1712	1027	35	a	a	DET
cblr-1712	1027	36	n	n	NOUN
cblr-1712	1027	37	/	/	SYM
cblr-1712	1027	38	a	a	DET
cblr-1712	1027	39	n	n	NOUN
cblr-1712	1027	40	/	/	SYM
cblr-1712	1027	41	a	a	DET
cblr-1712	1027	42	loewy	loewy	ADJ
cblr-1712	1027	43	v.	v.	ADP
cblr-1712	1027	44	rbs	rbs	PROPN
cblr-1712	1027	45	citizens	citizens	PROPN
cblr-1712	1027	46	bank	bank	PROPN
cblr-1712	1027	47	,	,	PUNCT
cblr-1712	1027	48	11cv-04872	11cv-04872	NUM
cblr-1712	1027	49	,	,	PUNCT
cblr-1712	1027	50	7/11–3/12	7/11–3/12	NUM
cblr-1712	1027	51	$	$	SYM
cblr-1712	1027	52	100,000	100,000	NUM
cblr-1712	1027	53	$	$	SYM
cblr-1712	1027	54	30,000	30,000	NUM
cblr-1712	1027	55	26	26	NUM
cblr-1712	1027	56	valid	valid	ADJ
cblr-1712	1027	57	claims/210	claims/210	NOUN
cblr-1712	1027	58	class	class	NOUN
cblr-1712	1027	59	members	member	NOUN
cblr-1712	1027	60	=	=	SYM
cblr-1712	1027	61	12	12	NUM
cblr-1712	1027	62	%	%	NOUN
cblr-1712	1027	63	;	;	PUNCT
cblr-1712	1027	64	@$150	@$150	NOUN
cblr-1712	1027	65	x	x	SYM
cblr-1712	1027	66	26	26	NUM
cblr-1712	1027	67	=	=	SYM
cblr-1712	1027	68	$	$	SYM
cblr-1712	1027	69	3,900	3,900	NUM
cblr-1712	1027	70	=	=	SYM
cblr-1712	1027	71	4	4	NUM
cblr-1712	1027	72	%	%	NOUN
cblr-1712	1027	73	sf	sf	NOUN
cblr-1712	1027	74	.	.	PUNCT
cblr-1712	1028	1	sf	sf	PROPN
cblr-1712	1028	2	balance	balance	PROPN
cblr-1712	1028	3	,	,	PUNCT
cblr-1712	1028	4	27	27	NUM
cblr-1712	1028	5	%	%	NOUN
cblr-1712	1028	6	to	to	ADP
cblr-1712	1028	7	legal	legal	ADJ
cblr-1712	1028	8	clin	clin	PROPN
cblr-1712	1028	9	.	.	PUNCT
cblr-1712	1029	1	nwu	nwu	PROPN
cblr-1712	1029	2	law	law	PROPN
cblr-1712	1029	3	sch	sch	PROPN
cblr-1712	1029	4	.	.	PROPN
cblr-1712	1030	1	13	13	NUM
cblr-1712	1030	2	%	%	NOUN
cblr-1712	1030	3	to	to	ADP
cblr-1712	1030	4	chicago	chicago	PROPN
cblr-1712	1030	5	legal	legal	ADJ
cblr-1712	1030	6	clin	clin	PROPN
cblr-1712	1030	7	.	.	PUNCT
cblr-1712	1031	1	$	$	SYM
cblr-1712	1031	2	150	150	NUM
cblr-1712	1031	3	+	+	NUM
cblr-1712	1031	4	$	$	SYM
cblr-1712	1031	5	1,000	1,000	NUM
cblr-1712	1031	6	to	to	PART
cblr-1712	1031	7	named	name	VERB
cblr-1712	1031	8	plaintiff	plaintiff	NOUN
cblr-1712	1031	9	30	30	NUM
cblr-1712	1031	10	%	%	NOUN
cblr-1712	1031	11	770	770	NUM
cblr-1712	1031	12	%	%	NOUN
cblr-1712	1031	13	johnston	johnston	NOUN
cblr-1712	1031	14	–	–	PUNCT
cblr-1712	1031	15	final	final	ADJ
cblr-1712	1031	16	no	no	NOUN
cblr-1712	1031	17	.	.	NOUN
cblr-1712	1031	18	1:1	1:1	NUM
cblr-1712	1031	19	]	]	X
cblr-1712	1031	20	high	high	ADJ
cblr-1712	1031	21	cost	cost	NOUN
cblr-1712	1031	22	,	,	PUNCT
cblr-1712	1031	23	little	little	ADJ
cblr-1712	1031	24	compensation	compensation	NOUN
cblr-1712	1031	25	89	89	NUM
cblr-1712	1031	26	appendix	appendix	NOUN
cblr-1712	1031	27	2	2	NUM
cblr-1712	1031	28	.	.	PUNCT
cblr-1712	1031	29	class	class	NOUN
cblr-1712	1031	30	-	-	PUNCT
cblr-1712	1031	31	action	action	NOUN
cblr-1712	1031	32	search	search	NOUN
cblr-1712	1031	33	methodology	methodology	NOUN
cblr-1712	1031	34	in	in	ADP
cblr-1712	1031	35	identifying	identify	VERB
cblr-1712	1031	36	consumer	consumer	NOUN
cblr-1712	1031	37	class	class	NOUN
cblr-1712	1031	38	actions	action	NOUN
cblr-1712	1031	39	filed	file	VERB
cblr-1712	1031	40	in	in	ADP
cblr-1712	1031	41	the	the	DET
cblr-1712	1031	42	northern	northern	ADJ
cblr-1712	1031	43	district	district	NOUN
cblr-1712	1031	44	of	of	ADP
cblr-1712	1031	45	illinois	illinois	PROPN
cblr-1712	1031	46	between	between	ADP
cblr-1712	1031	47	2010	2010	NUM
cblr-1712	1031	48	and	and	CCONJ
cblr-1712	1031	49	2012	2012	NUM
cblr-1712	1031	50	,	,	PUNCT
cblr-1712	1031	51	we	we	PRON
cblr-1712	1031	52	used	use	VERB
cblr-1712	1031	53	bloomberg	bloomberg	PROPN
cblr-1712	1031	54	law	law	NOUN
cblr-1712	1031	55	’s	’s	PART
cblr-1712	1031	56	docket	docket	NOUN
cblr-1712	1031	57	search	search	NOUN
cblr-1712	1031	58	of	of	ADP
cblr-1712	1031	59	the	the	DET
cblr-1712	1031	60	pacer	pacer	NOUN
cblr-1712	1031	61	federal	federal	ADJ
cblr-1712	1031	62	courts	court	NOUN
cblr-1712	1031	63	filing	file	VERB
cblr-1712	1031	64	database	database	NOUN
cblr-1712	1031	65	,	,	PUNCT
cblr-1712	1031	66	limiting	limit	VERB
cblr-1712	1031	67	the	the	DET
cblr-1712	1031	68	search	search	NOUN
cblr-1712	1031	69	to	to	ADP
cblr-1712	1031	70	the	the	DET
cblr-1712	1031	71	u.s	u.s	PROPN
cblr-1712	1031	72	.	.	PROPN
cblr-1712	1031	73	district	district	PROPN
cblr-1712	1031	74	court	court	NOUN
cblr-1712	1031	75	for	for	ADP
cblr-1712	1031	76	the	the	DET
cblr-1712	1031	77	northern	northern	ADJ
cblr-1712	1031	78	district	district	PROPN
cblr-1712	1031	79	of	of	ADP
cblr-1712	1031	80	illinois	illinois	PROPN
cblr-1712	1031	81	and	and	CCONJ
cblr-1712	1031	82	selecting	select	VERB
cblr-1712	1031	83	a	a	DET
cblr-1712	1031	84	date	date	NOUN
cblr-1712	1031	85	range	range	NOUN
cblr-1712	1031	86	between	between	ADP
cblr-1712	1031	87	january	january	PROPN
cblr-1712	1031	88	1	1	NUM
cblr-1712	1031	89	,	,	PUNCT
cblr-1712	1031	90	2010	2010	NUM
cblr-1712	1031	91	and	and	CCONJ
cblr-1712	1031	92	december	december	PROPN
cblr-1712	1031	93	31	31	NUM
cblr-1712	1031	94	,	,	PUNCT
cblr-1712	1031	95	2012	2012	NUM
cblr-1712	1031	96	.	.	PUNCT
cblr-1712	1032	1	several	several	ADJ
cblr-1712	1032	2	keyword	keyword	NOUN
cblr-1712	1032	3	and	and	CCONJ
cblr-1712	1032	4	string	string	NOUN
cblr-1712	1032	5	searches	search	NOUN
cblr-1712	1032	6	were	be	AUX
cblr-1712	1032	7	then	then	ADV
cblr-1712	1032	8	run	run	VERB
cblr-1712	1032	9	to	to	PART
cblr-1712	1032	10	identify	identify	VERB
cblr-1712	1032	11	consumer	consumer	NOUN
cblr-1712	1032	12	class	class	NOUN
cblr-1712	1032	13	-	-	PUNCT
cblr-1712	1032	14	action	action	NOUN
cblr-1712	1032	15	filings	filing	NOUN
cblr-1712	1032	16	.	.	PUNCT
cblr-1712	1033	1	first	first	ADV
cblr-1712	1033	2	,	,	PUNCT
cblr-1712	1033	3	we	we	PRON
cblr-1712	1033	4	used	use	VERB
cblr-1712	1033	5	the	the	DET
cblr-1712	1033	6	search	search	NOUN
cblr-1712	1033	7	strings	string	NOUN
cblr-1712	1033	8	“	"	PUNCT
cblr-1712	1033	9	‘	'	PUNCT
cblr-1712	1033	10	class	class	NOUN
cblr-1712	1033	11	action	action	NOUN
cblr-1712	1033	12	’	'	PUNCT
cblr-1712	1033	13	or	or	CCONJ
cblr-1712	1033	14	similarly	similarly	ADV
cblr-1712	1033	15	/s	/s	PUNCT
cblr-1712	1033	16	situated	situate	VERB
cblr-1712	1033	17	,	,	PUNCT
cblr-1712	1033	18	”	"	PUNCT
cblr-1712	1033	19	and	and	CCONJ
cblr-1712	1033	20	the	the	DET
cblr-1712	1033	21	somewhat	somewhat	ADV
cblr-1712	1033	22	broader	broad	ADJ
cblr-1712	1033	23	term	term	NOUN
cblr-1712	1033	24	“	"	PUNCT
cblr-1712	1033	25	class	class	NOUN
cblr-1712	1033	26	.	.	PUNCT
cblr-1712	1033	27	”	"	PUNCT
cblr-1712	1034	1	this	this	DET
cblr-1712	1034	2	search	search	NOUN
cblr-1712	1034	3	returned	return	VERB
cblr-1712	1034	4	most	most	ADJ
cblr-1712	1034	5	of	of	ADP
cblr-1712	1034	6	our	our	PRON
cblr-1712	1034	7	cases	case	NOUN
cblr-1712	1034	8	,	,	PUNCT
cblr-1712	1034	9	although	although	SCONJ
cblr-1712	1034	10	some	some	DET
cblr-1712	1034	11	complaints	complaint	NOUN
cblr-1712	1034	12	had	have	VERB
cblr-1712	1034	13	to	to	PART
cblr-1712	1034	14	be	be	AUX
cblr-1712	1034	15	manually	manually	ADV
cblr-1712	1034	16	excluded	exclude	VERB
cblr-1712	1034	17	since	since	SCONJ
cblr-1712	1034	18	the	the	DET
cblr-1712	1034	19	search	search	NOUN
cblr-1712	1034	20	was	be	AUX
cblr-1712	1034	21	too	too	ADV
cblr-1712	1034	22	broad	broad	ADJ
cblr-1712	1034	23	.	.	PUNCT
cblr-1712	1035	1	we	we	PRON
cblr-1712	1035	2	excluded	exclude	VERB
cblr-1712	1035	3	all	all	DET
cblr-1712	1035	4	class	class	NOUN
cblr-1712	1035	5	-	-	PUNCT
cblr-1712	1035	6	action	action	NOUN
cblr-1712	1035	7	complaints	complaint	NOUN
cblr-1712	1035	8	brought	bring	VERB
cblr-1712	1035	9	by	by	ADP
cblr-1712	1035	10	a	a	DET
cblr-1712	1035	11	corporation	corporation	NOUN
cblr-1712	1035	12	rather	rather	ADV
cblr-1712	1035	13	than	than	ADP
cblr-1712	1035	14	a	a	DET
cblr-1712	1035	15	consumer	consumer	NOUN
cblr-1712	1035	16	,	,	PUNCT
cblr-1712	1035	17	shareholder	shareholder	NOUN
cblr-1712	1035	18	derivative	derivative	ADJ
cblr-1712	1035	19	actions	action	NOUN
cblr-1712	1035	20	,	,	PUNCT
cblr-1712	1035	21	complaints	complaint	NOUN
cblr-1712	1035	22	brought	bring	VERB
cblr-1712	1035	23	under	under	ADP
cblr-1712	1035	24	the	the	DET
cblr-1712	1035	25	securities	securities	PROPN
cblr-1712	1035	26	&	&	CCONJ
cblr-1712	1035	27	exchange	exchange	PROPN
cblr-1712	1035	28	act	act	PROPN
cblr-1712	1035	29	or	or	CCONJ
cblr-1712	1035	30	the	the	DET
cblr-1712	1035	31	commodities	commodity	NOUN
cblr-1712	1035	32	futures	futures	PROPN
cblr-1712	1035	33	trading	trading	PROPN
cblr-1712	1035	34	act	act	PROPN
cblr-1712	1035	35	,	,	PUNCT
cblr-1712	1035	36	employment	employment	NOUN
cblr-1712	1035	37	-	-	PUNCT
cblr-1712	1035	38	related	relate	VERB
cblr-1712	1035	39	class	class	NOUN
cblr-1712	1035	40	actions	action	NOUN
cblr-1712	1035	41	,	,	PUNCT
cblr-1712	1035	42	and	and	CCONJ
cblr-1712	1035	43	claims	claim	NOUN
cblr-1712	1035	44	under	under	ADP
cblr-1712	1035	45	the	the	DET
cblr-1712	1035	46	civil	civil	ADJ
cblr-1712	1035	47	rights	right	NOUN
cblr-1712	1035	48	act	act	NOUN
cblr-1712	1035	49	(	(	PUNCT
cblr-1712	1035	50	though	though	SCONJ
cblr-1712	1035	51	almost	almost	ADV
cblr-1712	1035	52	every	every	DET
cblr-1712	1035	53	one	one	NUM
cblr-1712	1035	54	of	of	ADP
cblr-1712	1035	55	these	these	DET
cblr-1712	1035	56	complaints	complaint	NOUN
cblr-1712	1035	57	was	be	AUX
cblr-1712	1035	58	an	an	DET
cblr-1712	1035	59	employment	employment	NOUN
cblr-1712	1035	60	-	-	PUNCT
cblr-1712	1035	61	related	relate	VERB
cblr-1712	1035	62	class	class	NOUN
cblr-1712	1035	63	action	action	NOUN
cblr-1712	1035	64	anyway	anyway	ADV
cblr-1712	1035	65	)	)	PUNCT
cblr-1712	1035	66	.	.	PUNCT
cblr-1712	1036	1	we	we	PRON
cblr-1712	1036	2	also	also	ADV
cblr-1712	1036	3	excluded	exclude	VERB
cblr-1712	1036	4	complaints	complaint	NOUN
cblr-1712	1036	5	that	that	PRON
cblr-1712	1036	6	were	be	AUX
cblr-1712	1036	7	brought	bring	VERB
cblr-1712	1036	8	on	on	ADP
cblr-1712	1036	9	behalf	behalf	NOUN
cblr-1712	1036	10	of	of	ADP
cblr-1712	1036	11	the	the	DET
cblr-1712	1036	12	named	name	VERB
cblr-1712	1036	13	plaintiff	plaintiff	NOUN
cblr-1712	1036	14	and	and	CCONJ
cblr-1712	1036	15	others	other	NOUN
cblr-1712	1036	16	“	"	PUNCT
cblr-1712	1036	17	similarly	similarly	ADV
cblr-1712	1036	18	situated	situate	VERB
cblr-1712	1036	19	,	,	PUNCT
cblr-1712	1036	20	”	"	PUNCT
cblr-1712	1036	21	but	but	CCONJ
cblr-1712	1036	22	where	where	SCONJ
cblr-1712	1036	23	the	the	DET
cblr-1712	1036	24	complaint	complaint	NOUN
cblr-1712	1036	25	was	be	AUX
cblr-1712	1036	26	not	not	PART
cblr-1712	1036	27	seeking	seek	VERB
cblr-1712	1036	28	class	class	NOUN
cblr-1712	1036	29	certification	certification	NOUN
cblr-1712	1036	30	and	and	CCONJ
cblr-1712	1036	31	did	do	AUX
cblr-1712	1036	32	not	not	PART
cblr-1712	1036	33	describe	describe	VERB
cblr-1712	1036	34	class	class	NOUN
cblr-1712	1036	35	damages	damage	NOUN
cblr-1712	1036	36	.	.	PUNCT
cblr-1712	1037	1	this	this	PRON
cblr-1712	1037	2	happened	happen	VERB
cblr-1712	1037	3	most	most	ADV
cblr-1712	1037	4	often	often	ADV
cblr-1712	1037	5	in	in	ADP
cblr-1712	1037	6	mass	mass	NOUN
cblr-1712	1037	7	tort	tort	NOUN
cblr-1712	1037	8	or	or	CCONJ
cblr-1712	1037	9	products	product	NOUN
cblr-1712	1037	10	liability	liability	NOUN
cblr-1712	1037	11	cases	case	NOUN
cblr-1712	1037	12	where	where	SCONJ
cblr-1712	1037	13	a	a	DET
cblr-1712	1037	14	number	number	NOUN
cblr-1712	1037	15	of	of	ADP
cblr-1712	1037	16	plaintiffs	plaintiff	NOUN
cblr-1712	1037	17	were	be	AUX
cblr-1712	1037	18	joined	join	VERB
cblr-1712	1037	19	to	to	ADP
cblr-1712	1037	20	the	the	DET
cblr-1712	1037	21	action	action	NOUN
cblr-1712	1037	22	but	but	CCONJ
cblr-1712	1037	23	the	the	DET
cblr-1712	1037	24	case	case	NOUN
cblr-1712	1037	25	was	be	AUX
cblr-1712	1037	26	not	not	PART
cblr-1712	1037	27	proceeding	proceed	VERB
cblr-1712	1037	28	as	as	ADP
cblr-1712	1037	29	a	a	DET
cblr-1712	1037	30	class	class	NOUN
cblr-1712	1037	31	action	action	NOUN
cblr-1712	1037	32	.	.	PUNCT
cblr-1712	1038	1	we	we	PRON
cblr-1712	1038	2	also	also	ADV
cblr-1712	1038	3	ran	run	VERB
cblr-1712	1038	4	a	a	DET
cblr-1712	1038	5	keyword	keyword	NOUN
cblr-1712	1038	6	search	search	NOUN
cblr-1712	1038	7	within	within	ADP
cblr-1712	1038	8	the	the	DET
cblr-1712	1038	9	database	database	NOUN
cblr-1712	1038	10	described	describe	VERB
cblr-1712	1038	11	in	in	ADP
cblr-1712	1038	12	the	the	DET
cblr-1712	1038	13	first	first	ADJ
cblr-1712	1038	14	paragraph	paragraph	NOUN
cblr-1712	1038	15	;	;	PUNCT
cblr-1712	1038	16	the	the	DET
cblr-1712	1038	17	search	search	NOUN
cblr-1712	1038	18	term	term	NOUN
cblr-1712	1038	19	was	be	AUX
cblr-1712	1038	20	“	"	PUNCT
cblr-1712	1038	21	class	class	NOUN
cblr-1712	1038	22	action	action	NOUN
cblr-1712	1038	23	,	,	PUNCT
cblr-1712	1038	24	”	"	PUNCT
cblr-1712	1038	25	and	and	CCONJ
cblr-1712	1038	26	“	"	PUNCT
cblr-1712	1038	27	consumer	consumer	NOUN
cblr-1712	1038	28	credit	credit	NOUN
cblr-1712	1038	29	”	"	PUNCT
cblr-1712	1038	30	was	be	AUX
cblr-1712	1038	31	selected	select	VERB
cblr-1712	1038	32	as	as	ADP
cblr-1712	1038	33	the	the	DET
cblr-1712	1038	34	“	"	PUNCT
cblr-1712	1038	35	nature	nature	NOUN
cblr-1712	1038	36	of	of	ADP
cblr-1712	1038	37	suit	suit	NOUN
cblr-1712	1038	38	.	.	PUNCT
cblr-1712	1038	39	”	"	PUNCT
cblr-1712	1039	1	this	this	PRON
cblr-1712	1039	2	added	add	VERB
cblr-1712	1039	3	many	many	ADJ
cblr-1712	1039	4	results	result	NOUN
cblr-1712	1039	5	that	that	PRON
cblr-1712	1039	6	did	do	AUX
cblr-1712	1039	7	not	not	PART
cblr-1712	1039	8	appear	appear	VERB
cblr-1712	1039	9	when	when	SCONJ
cblr-1712	1039	10	we	we	PRON
cblr-1712	1039	11	searched	search	VERB
cblr-1712	1039	12	for	for	ADP
cblr-1712	1039	13	just	just	ADV
cblr-1712	1039	14	“	"	PUNCT
cblr-1712	1039	15	class	class	NOUN
cblr-1712	1039	16	action	action	NOUN
cblr-1712	1039	17	”	"	PUNCT
cblr-1712	1039	18	complaints	complaint	NOUN
cblr-1712	1039	19	.	.	PUNCT
cblr-1712	1040	1	this	this	DET
cblr-1712	1040	2	search	search	NOUN
cblr-1712	1040	3	was	be	AUX
cblr-1712	1040	4	too	too	ADV
cblr-1712	1040	5	narrow	narrow	ADJ
cblr-1712	1040	6	for	for	ADP
cblr-1712	1040	7	class	class	NOUN
cblr-1712	1040	8	actions	action	NOUN
cblr-1712	1040	9	filed	file	VERB
cblr-1712	1040	10	under	under	ADP
cblr-1712	1040	11	federal	federal	ADJ
cblr-1712	1040	12	consumer	consumer	NOUN
cblr-1712	1040	13	protection	protection	NOUN
cblr-1712	1040	14	statutes	statute	NOUN
cblr-1712	1040	15	,	,	PUNCT
cblr-1712	1040	16	as	as	SCONJ
cblr-1712	1040	17	it	it	PRON
cblr-1712	1040	18	failed	fail	VERB
cblr-1712	1040	19	to	to	PART
cblr-1712	1040	20	pick	pick	VERB
cblr-1712	1040	21	up	up	ADP
cblr-1712	1040	22	actions	action	NOUN
cblr-1712	1040	23	filed	file	VERB
cblr-1712	1040	24	by	by	ADP
cblr-1712	1040	25	businesses	business	NOUN
cblr-1712	1040	26	—	—	PUNCT
cblr-1712	1040	27	such	such	ADJ
cblr-1712	1040	28	as	as	ADP
cblr-1712	1040	29	the	the	DET
cblr-1712	1040	30	tcpa	tcpa	NOUN
cblr-1712	1040	31	filings	filing	NOUN
cblr-1712	1040	32	brought	bring	VERB
cblr-1712	1040	33	by	by	ADP
cblr-1712	1040	34	doctors	doctor	NOUN
cblr-1712	1040	35	’	'	PUNCT
cblr-1712	1040	36	and	and	CCONJ
cblr-1712	1040	37	dentists	dentist	NOUN
cblr-1712	1040	38	’	'	PUNCT
cblr-1712	1040	39	offices	office	NOUN
cblr-1712	1040	40	who	who	PRON
cblr-1712	1040	41	received	receive	VERB
cblr-1712	1040	42	junk	junk	NOUN
cblr-1712	1040	43	faxes	fax	NOUN
cblr-1712	1040	44	—	—	PUNCT
cblr-1712	1040	45	and	and	CCONJ
cblr-1712	1040	46	employment	employment	NOUN
cblr-1712	1040	47	background	background	NOUN
cblr-1712	1040	48	check	check	NOUN
cblr-1712	1040	49	class	class	NOUN
cblr-1712	1040	50	actions	action	NOUN
cblr-1712	1040	51	under	under	ADP
cblr-1712	1040	52	the	the	DET
cblr-1712	1040	53	fcra	fcra	NOUN
cblr-1712	1040	54	.	.	PUNCT
cblr-1712	1041	1	both	both	DET
cblr-1712	1041	2	types	type	NOUN
cblr-1712	1041	3	are	be	AUX
cblr-1712	1041	4	,	,	PUNCT
cblr-1712	1041	5	under	under	ADP
cblr-1712	1041	6	the	the	DET
cblr-1712	1041	7	relevant	relevant	ADJ
cblr-1712	1041	8	johnston	johnston	PROPN
cblr-1712	1041	9	–	–	PUNCT
cblr-1712	1041	10	final	final	ADJ
cblr-1712	1041	11	90	90	NUM
cblr-1712	1041	12	columbia	columbia	PROPN
cblr-1712	1041	13	business	business	NOUN
cblr-1712	1041	14	law	law	PROPN
cblr-1712	1041	15	review	review	NOUN
cblr-1712	1041	16	[	[	X
cblr-1712	1041	17	vol	vol	NOUN
cblr-1712	1041	18	.	.	NOUN
cblr-1712	1041	19	2017	2017	NUM
cblr-1712	1041	20	statutes	statute	NOUN
cblr-1712	1041	21	,	,	PUNCT
cblr-1712	1041	22	consumer	consumer	NOUN
cblr-1712	1041	23	class	class	NOUN
cblr-1712	1041	24	actions	action	NOUN
cblr-1712	1041	25	.	.	PUNCT
cblr-1712	1042	1	hence	hence	ADV
cblr-1712	1042	2	,	,	PUNCT
cblr-1712	1042	3	we	we	PRON
cblr-1712	1042	4	ran	run	VERB
cblr-1712	1042	5	searches	search	NOUN
cblr-1712	1042	6	using	use	VERB
cblr-1712	1042	7	statutes	statute	NOUN
cblr-1712	1042	8	as	as	ADP
cblr-1712	1042	9	the	the	DET
cblr-1712	1042	10	search	search	NOUN
cblr-1712	1042	11	term	term	NOUN
cblr-1712	1042	12	,	,	PUNCT
cblr-1712	1042	13	for	for	ADP
cblr-1712	1042	14	example	example	NOUN
cblr-1712	1042	15	,	,	PUNCT
cblr-1712	1042	16	“	"	PUNCT
cblr-1712	1042	17	fcra	fcra	NOUN
cblr-1712	1042	18	”	"	PUNCT
cblr-1712	1042	19	and	and	CCONJ
cblr-1712	1042	20	“	"	PUNCT
cblr-1712	1042	21	fair	fair	ADJ
cblr-1712	1042	22	credit	credit	NOUN
cblr-1712	1042	23	reporting	reporting	NOUN
cblr-1712	1042	24	act	act	NOUN
cblr-1712	1042	25	.	.	PUNCT
cblr-1712	1042	26	”	"	PUNCT
cblr-1712	1043	1	this	this	DET
cblr-1712	1043	2	method	method	NOUN
cblr-1712	1043	3	brought	bring	VERB
cblr-1712	1043	4	up	up	ADP
cblr-1712	1043	5	every	every	DET
cblr-1712	1043	6	filing	filing	NOUN
cblr-1712	1043	7	under	under	ADP
cblr-1712	1043	8	such	such	ADJ
cblr-1712	1043	9	statutes	statute	NOUN
cblr-1712	1043	10	,	,	PUNCT
cblr-1712	1043	11	and	and	CCONJ
cblr-1712	1043	12	we	we	PRON
cblr-1712	1043	13	manually	manually	ADV
cblr-1712	1043	14	identified	identify	VERB
cblr-1712	1043	15	which	which	PRON
cblr-1712	1043	16	of	of	ADP
cblr-1712	1043	17	these	these	DET
cblr-1712	1043	18	filings	filing	NOUN
cblr-1712	1043	19	were	be	AUX
cblr-1712	1043	20	class	class	NOUN
cblr-1712	1043	21	actions	action	NOUN
cblr-1712	1043	22	.	.	PUNCT
cblr-1712	1044	1	our	our	PRON
cblr-1712	1044	2	methodology	methodology	NOUN
cblr-1712	1044	3	was	be	AUX
cblr-1712	1044	4	similar	similar	ADJ
cblr-1712	1044	5	to	to	ADP
cblr-1712	1044	6	that	that	PRON
cblr-1712	1044	7	employed	employ	VERB
cblr-1712	1044	8	by	by	ADP
cblr-1712	1044	9	the	the	DET
cblr-1712	1044	10	cfpb	cfpb	NOUN
cblr-1712	1044	11	in	in	ADP
cblr-1712	1044	12	gathering	gather	VERB
cblr-1712	1044	13	data	datum	NOUN
cblr-1712	1044	14	on	on	ADP
cblr-1712	1044	15	class	class	NOUN
cblr-1712	1044	16	actions	action	NOUN
cblr-1712	1044	17	for	for	ADP
cblr-1712	1044	18	its	its	PRON
cblr-1712	1044	19	2015	2015	NUM
cblr-1712	1044	20	arbitration	arbitration	NOUN
cblr-1712	1044	21	study	study	NOUN
cblr-1712	1044	22	in	in	ADP
cblr-1712	1044	23	that	that	SCONJ
cblr-1712	1044	24	we	we	PRON
cblr-1712	1044	25	searched	search	VERB
cblr-1712	1044	26	electronically	electronically	ADV
cblr-1712	1044	27	available	available	ADJ
cblr-1712	1044	28	docket	docket	NOUN
cblr-1712	1044	29	sheets	sheet	NOUN
cblr-1712	1044	30	.	.	PUNCT
cblr-1712	1045	1	our	our	PRON
cblr-1712	1045	2	methodology	methodology	NOUN
cblr-1712	1045	3	differed	differ	VERB
cblr-1712	1045	4	from	from	ADP
cblr-1712	1045	5	the	the	DET
cblr-1712	1045	6	cfpb	cfpb	NOUN
cblr-1712	1045	7	’s	’s	PART
cblr-1712	1045	8	in	in	ADP
cblr-1712	1045	9	other	other	ADJ
cblr-1712	1045	10	respects	respect	NOUN
cblr-1712	1045	11	.	.	PUNCT
cblr-1712	1046	1	the	the	DET
cblr-1712	1046	2	cfpb	cfpb	NOUN
cblr-1712	1046	3	searched	search	VERB
cblr-1712	1046	4	a	a	DET
cblr-1712	1046	5	slightly	slightly	ADV
cblr-1712	1046	6	different	different	ADJ
cblr-1712	1046	7	source	source	NOUN
cblr-1712	1046	8	of	of	ADP
cblr-1712	1046	9	docket	docket	NOUN
cblr-1712	1046	10	sheet	sheet	NOUN
cblr-1712	1046	11	information	information	NOUN
cblr-1712	1046	12	,	,	PUNCT
cblr-1712	1046	13	lexisnexis	lexisnexis	PROPN
cblr-1712	1046	14	’s	’s	PART
cblr-1712	1046	15	courtlink	courtlink	PROPN
cblr-1712	1046	16	database	database	NOUN
cblr-1712	1046	17	,	,	PUNCT
cblr-1712	1046	18	and	and	CCONJ
cblr-1712	1046	19	its	its	PRON
cblr-1712	1046	20	automated	automate	VERB
cblr-1712	1046	21	search	search	NOUN
cblr-1712	1046	22	used	use	VERB
cblr-1712	1046	23	as	as	ADP
cblr-1712	1046	24	search	search	NOUN
cblr-1712	1046	25	strings	string	NOUN
cblr-1712	1046	26	the	the	DET
cblr-1712	1046	27	six	six	NUM
cblr-1712	1046	28	product	product	NOUN
cblr-1712	1046	29	categories	category	NOUN
cblr-1712	1046	30	it	it	PRON
cblr-1712	1046	31	had	have	AUX
cblr-1712	1046	32	defined	define	VERB
cblr-1712	1046	33	as	as	ADP
cblr-1712	1046	34	the	the	DET
cblr-1712	1046	35	subject	subject	NOUN
cblr-1712	1046	36	of	of	ADP
cblr-1712	1046	37	its	its	PRON
cblr-1712	1046	38	study.187	study.187	NOUN
cblr-1712	1046	39	for	for	ADP
cblr-1712	1046	40	example	example	NOUN
cblr-1712	1046	41	,	,	PUNCT
cblr-1712	1046	42	the	the	DET
cblr-1712	1046	43	cfpb	cfpb	NOUN
cblr-1712	1046	44	searched	search	VERB
cblr-1712	1046	45	for	for	ADP
cblr-1712	1046	46	complaints	complaint	NOUN
cblr-1712	1046	47	with	with	ADP
cblr-1712	1046	48	terms	term	NOUN
cblr-1712	1046	49	“	"	PUNCT
cblr-1712	1046	50	credit	credit	NOUN
cblr-1712	1046	51	card	card	NOUN
cblr-1712	1046	52	’	'	PUNCT
cblr-1712	1046	53	or	or	CCONJ
cblr-1712	1046	54	‘	'	PUNCT
cblr-1712	1046	55	credit	credit	NOUN
cblr-1712	1046	56	cards	card	NOUN
cblr-1712	1046	57	’	'	PUNCT
cblr-1712	1046	58	or	or	CCONJ
cblr-1712	1046	59	‘	'	PUNCT
cblr-1712	1046	60	charge	charge	NOUN
cblr-1712	1046	61	card	card	NOUN
cblr-1712	1046	62	’	'	PUNCT
cblr-1712	1046	63	or	or	CCONJ
cblr-1712	1046	64	‘	'	PUNCT
cblr-1712	1046	65	charge	charge	NOUN
cblr-1712	1046	66	cards	card	NOUN
cblr-1712	1046	67	.	.	PUNCT
cblr-1712	1046	68	’	'	PUNCT
cblr-1712	1046	69	”	"	PUNCT
cblr-1712	1047	1	thus	thus	ADV
cblr-1712	1047	2	,	,	PUNCT
cblr-1712	1047	3	the	the	DET
cblr-1712	1047	4	primary	primary	ADJ
cblr-1712	1047	5	difference	difference	NOUN
cblr-1712	1047	6	between	between	ADP
cblr-1712	1047	7	this	this	DET
cblr-1712	1047	8	study	study	NOUN
cblr-1712	1047	9	and	and	CCONJ
cblr-1712	1047	10	the	the	DET
cblr-1712	1047	11	cfpb	cfpb	NOUN
cblr-1712	1047	12	’s	’s	PART
cblr-1712	1047	13	is	be	AUX
cblr-1712	1047	14	that	that	SCONJ
cblr-1712	1047	15	this	this	PRON
cblr-1712	1047	16	is	be	AUX
cblr-1712	1047	17	interested	interested	ADJ
cblr-1712	1047	18	in	in	ADP
cblr-1712	1047	19	finding	find	VERB
cblr-1712	1047	20	all	all	DET
cblr-1712	1047	21	consumer	consumer	NOUN
cblr-1712	1047	22	class	class	NOUN
cblr-1712	1047	23	actions	action	NOUN
cblr-1712	1047	24	filed	file	VERB
cblr-1712	1047	25	during	during	ADP
cblr-1712	1047	26	our	our	PRON
cblr-1712	1047	27	study	study	NOUN
cblr-1712	1047	28	period	period	NOUN
cblr-1712	1047	29	,	,	PUNCT
cblr-1712	1047	30	regardless	regardless	ADV
cblr-1712	1047	31	of	of	ADP
cblr-1712	1047	32	whether	whether	SCONJ
cblr-1712	1047	33	they	they	PRON
cblr-1712	1047	34	involved	involve	VERB
cblr-1712	1047	35	a	a	DET
cblr-1712	1047	36	financial	financial	ADJ
cblr-1712	1047	37	product	product	NOUN
cblr-1712	1047	38	or	or	CCONJ
cblr-1712	1047	39	service	service	NOUN
cblr-1712	1047	40	,	,	PUNCT
cblr-1712	1047	41	whereas	whereas	SCONJ
cblr-1712	1047	42	the	the	DET
cblr-1712	1047	43	cfpb	cfpb	NOUN
cblr-1712	1047	44	’s	’s	PART
cblr-1712	1047	45	was	be	AUX
cblr-1712	1047	46	interested	interested	ADJ
cblr-1712	1047	47	in	in	ADP
cblr-1712	1047	48	finding	find	VERB
cblr-1712	1047	49	all	all	DET
cblr-1712	1047	50	filings	filing	NOUN
cblr-1712	1047	51	involving	involve	VERB
cblr-1712	1047	52	one	one	NUM
cblr-1712	1047	53	of	of	ADP
cblr-1712	1047	54	the	the	DET
cblr-1712	1047	55	financial	financial	ADJ
cblr-1712	1047	56	product	product	NOUN
cblr-1712	1047	57	and	and	CCONJ
cblr-1712	1047	58	service	service	NOUN
cblr-1712	1047	59	categories	category	NOUN
cblr-1712	1047	60	it	it	PRON
cblr-1712	1047	61	was	be	AUX
cblr-1712	1047	62	studying	study	VERB
cblr-1712	1047	63	.	.	PUNCT
cblr-1712	1048	1	within	within	ADP
cblr-1712	1048	2	its	its	PRON
cblr-1712	1048	3	product	product	NOUN
cblr-1712	1048	4	-	-	PUNCT
cblr-1712	1048	5	centered	center	VERB
cblr-1712	1048	6	database	database	NOUN
cblr-1712	1048	7	,	,	PUNCT
cblr-1712	1048	8	the	the	DET
cblr-1712	1048	9	cfpb	cfpb	NOUN
cblr-1712	1048	10	then	then	ADV
cblr-1712	1048	11	seems	seem	VERB
cblr-1712	1048	12	to	to	PART
cblr-1712	1048	13	have	have	AUX
cblr-1712	1048	14	proceeded	proceed	VERB
cblr-1712	1048	15	,	,	PUNCT
cblr-1712	1048	16	as	as	SCONJ
cblr-1712	1048	17	did	do	VERB
cblr-1712	1048	18	we	we	PRON
cblr-1712	1048	19	,	,	PUNCT
cblr-1712	1048	20	to	to	PART
cblr-1712	1048	21	manually	manually	ADV
cblr-1712	1048	22	inspect	inspect	VERB
cblr-1712	1048	23	the	the	DET
cblr-1712	1048	24	docket	docket	NOUN
cblr-1712	1048	25	sheet	sheet	NOUN
cblr-1712	1048	26	entries	entry	NOUN
cblr-1712	1048	27	,	,	PUNCT
cblr-1712	1048	28	identifying	identify	VERB
cblr-1712	1048	29	the	the	DET
cblr-1712	1048	30	dispute	dispute	NOUN
cblr-1712	1048	31	type	type	NOUN
cblr-1712	1048	32	from	from	ADP
cblr-1712	1048	33	the	the	DET
cblr-1712	1048	34	complaint	complaint	NOUN
cblr-1712	1048	35	,	,	PUNCT
cblr-1712	1048	36	and	and	CCONJ
cblr-1712	1048	37	the	the	DET
cblr-1712	1048	38	outcome	outcome	NOUN
cblr-1712	1048	39	and	and	CCONJ
cblr-1712	1048	40	other	other	ADJ
cblr-1712	1048	41	variables	variable	NOUN
cblr-1712	1048	42	of	of	ADP
cblr-1712	1048	43	interest	interest	NOUN
cblr-1712	1048	44	from	from	ADP
cblr-1712	1048	45	the	the	DET
cblr-1712	1048	46	docket	docket	NOUN
cblr-1712	1048	47	sheet	sheet	NOUN
cblr-1712	1048	48	entries	entry	NOUN
cblr-1712	1048	49	.	.	PUNCT
cblr-1712	1049	1	in	in	ADP
cblr-1712	1049	2	identifying	identify	VERB
cblr-1712	1049	3	the	the	DET
cblr-1712	1049	4	existence	existence	NOUN
cblr-1712	1049	5	and	and	CCONJ
cblr-1712	1049	6	terms	term	NOUN
cblr-1712	1049	7	of	of	ADP
cblr-1712	1049	8	a	a	DET
cblr-1712	1049	9	class	class	NOUN
cblr-1712	1049	10	settlement,188	settlement,188	PROPN
cblr-1712	1049	11	the	the	DET
cblr-1712	1049	12	cfpb	cfpb	NOUN
cblr-1712	1049	13	looked	look	VERB
cblr-1712	1049	14	at	at	ADP
cblr-1712	1049	15	some	some	PRON
cblr-1712	1049	16	of	of	ADP
cblr-1712	1049	17	the	the	DET
cblr-1712	1049	18	same	same	ADJ
cblr-1712	1049	19	docket	docket	NOUN
cblr-1712	1049	20	-	-	PUNCT
cblr-1712	1049	21	available	available	ADJ
cblr-1712	1049	22	sources	source	NOUN
cblr-1712	1049	23	we	we	PRON
cblr-1712	1049	24	considered	consider	VERB
cblr-1712	1049	25	—	—	PUNCT
cblr-1712	1049	26	settlement	settlement	NOUN
cblr-1712	1049	27	agreements	agreement	NOUN
cblr-1712	1049	28	,	,	PUNCT
cblr-1712	1049	29	final	final	ADJ
cblr-1712	1049	30	or	or	CCONJ
cblr-1712	1049	31	preliminary	preliminary	ADJ
cblr-1712	1049	32	approval	approval	NOUN
cblr-1712	1049	33	orders	order	NOUN
cblr-1712	1049	34	—	—	PUNCT
cblr-1712	1049	35	but	but	CCONJ
cblr-1712	1049	36	apparently	apparently	ADV
cblr-1712	1049	37	did	do	AUX
cblr-1712	1049	38	not	not	PART
cblr-1712	1049	39	look	look	VERB
cblr-1712	1049	40	carefully	carefully	ADV
cblr-1712	1049	41	at	at	ADP
cblr-1712	1049	42	the	the	DET
cblr-1712	1049	43	memoranda	memoranda	NOUN
cblr-1712	1049	44	in	in	ADP
cblr-1712	1049	45	support	support	NOUN
cblr-1712	1049	46	of	of	ADP
cblr-1712	1049	47	preliminary	preliminary	ADJ
cblr-1712	1049	48	and	and	CCONJ
cblr-1712	1049	49	final	final	ADJ
cblr-1712	1049	50	approval	approval	NOUN
cblr-1712	1049	51	or	or	CCONJ
cblr-1712	1049	52	class	class	NOUN
cblr-1712	1049	53	settlements	settlement	NOUN
cblr-1712	1049	54	.	.	PUNCT
cblr-1712	1050	1	on	on	ADP
cblr-1712	1050	2	the	the	DET
cblr-1712	1050	3	other	other	ADJ
cblr-1712	1050	4	hand	hand	NOUN
cblr-1712	1050	5	,	,	PUNCT
cblr-1712	1050	6	the	the	DET
cblr-1712	1050	7	cfpb	cfpb	NOUN
cblr-1712	1050	8	sometimes	sometimes	ADV
cblr-1712	1050	9	apparently	apparently	ADV
cblr-1712	1050	10	interviewed	interview	VERB
cblr-1712	1050	11	settlement	settlement	NOUN
cblr-1712	1050	12	187	187	NUM
cblr-1712	1050	13	see	see	VERB
cblr-1712	1050	14	appendix	appendix	NOUN
cblr-1712	1050	15	l	l	NOUN
cblr-1712	1050	16	:	:	PUNCT
cblr-1712	1050	17	section	section	NOUN
cblr-1712	1050	18	6	6	NUM
cblr-1712	1050	19	,	,	PUNCT
cblr-1712	1050	20	in	in	ADP
cblr-1712	1050	21	2015	2015	NUM
cblr-1712	1050	22	arbitration	arbitration	NOUN
cblr-1712	1050	23	study	study	NOUN
cblr-1712	1050	24	,	,	PUNCT
cblr-1712	1050	25	supra	supra	PROPN
cblr-1712	1050	26	note	note	NOUN
cblr-1712	1050	27	21	21	NUM
cblr-1712	1050	28	.	.	X
cblr-1712	1051	1	188	188	NUM
cblr-1712	1051	2	see	see	VERB
cblr-1712	1051	3	appendix	appendix	NOUN
cblr-1712	1051	4	s	s	PROPN
cblr-1712	1051	5	:	:	PUNCT
cblr-1712	1051	6	section	section	NOUN
cblr-1712	1051	7	8	8	NUM
cblr-1712	1051	8	,	,	PUNCT
cblr-1712	1051	9	in	in	ADP
cblr-1712	1051	10	2015	2015	NUM
cblr-1712	1051	11	arbitration	arbitration	NOUN
cblr-1712	1051	12	study	study	NOUN
cblr-1712	1051	13	,	,	PUNCT
cblr-1712	1051	14	supra	supra	PROPN
cblr-1712	1051	15	note	note	NOUN
cblr-1712	1051	16	21	21	NUM
cblr-1712	1051	17	.	.	PUNCT
cblr-1712	1052	1	johnston	johnston	PROPN
cblr-1712	1052	2	–	–	PUNCT
cblr-1712	1052	3	final	final	ADJ
cblr-1712	1052	4	no	no	NOUN
cblr-1712	1052	5	.	.	NOUN
cblr-1712	1052	6	1:1	1:1	NUM
cblr-1712	1052	7	]	]	X
cblr-1712	1052	8	high	high	ADJ
cblr-1712	1052	9	cost	cost	NOUN
cblr-1712	1052	10	,	,	PUNCT
cblr-1712	1052	11	little	little	ADJ
cblr-1712	1052	12	compensation	compensation	NOUN
cblr-1712	1052	13	91	91	NUM
cblr-1712	1052	14	administrators	administrator	NOUN
cblr-1712	1052	15	to	to	PART
cblr-1712	1052	16	get	get	VERB
cblr-1712	1052	17	further	further	ADJ
cblr-1712	1052	18	settlement	settlement	NOUN
cblr-1712	1052	19	details	detail	NOUN
cblr-1712	1052	20	,	,	PUNCT
cblr-1712	1052	21	something	something	PRON
cblr-1712	1052	22	that	that	PRON
cblr-1712	1052	23	we	we	PRON
cblr-1712	1052	24	did	do	AUX
cblr-1712	1052	25	not	not	PART
cblr-1712	1052	26	do	do	VERB
cblr-1712	1052	27	.	.	PUNCT