id	sid	tid	token	lemma	pos
cblr-1739	1	1	geslevich	geslevich	PROPN
cblr-1739	1	2	packin	packin	PROPN
cblr-1739	1	3	&	&	CCONJ
cblr-1739	1	4	lev	lev	PROPN
cblr-1739	1	5	-	-	PUNCT
cblr-1739	1	6	aretz	aretz	PROPN
cblr-1739	1	7	–	–	PUNCT
cblr-1739	1	8	final	final	ADJ
cblr-1739	1	9	on	on	ADP
cblr-1739	1	10	social	social	ADJ
cblr-1739	1	11	credit	credit	NOUN
cblr-1739	1	12	and	and	CCONJ
cblr-1739	1	13	the	the	DET
cblr-1739	1	14	right	right	NOUN
cblr-1739	1	15	to	to	PART
cblr-1739	1	16	be	be	AUX
cblr-1739	1	17	unnetworked	unnetworke	VERB
cblr-1739	1	18	nizan	nizan	NOUN
cblr-1739	1	19	geslevich	geslevich	NOUN
cblr-1739	1	20	packin	packin	PROPN
cblr-1739	1	21	&	&	CCONJ
cblr-1739	1	22	yafit	yafit	PROPN
cblr-1739	1	23	lev	lev	PROPN
cblr-1739	1	24	-	-	PUNCT
cblr-1739	1	25	aretz	aretz	NOUN
cblr-1739	1	26	tell	tell	VERB
cblr-1739	1	27	me	i	PRON
cblr-1739	1	28	who	who	PRON
cblr-1739	1	29	your	your	PRON
cblr-1739	1	30	friends	friend	NOUN
cblr-1739	1	31	are	be	AUX
cblr-1739	1	32	and	and	CCONJ
cblr-1739	1	33	i	i	PRON
cblr-1739	1	34	will	will	AUX
cblr-1739	1	35	tell	tell	VERB
cblr-1739	1	36	you	you	PRON
cblr-1739	1	37	who	who	PRON
cblr-1739	1	38	you	you	PRON
cblr-1739	1	39	are	be	AUX
cblr-1739	1	40	.	.	PUNCT
cblr-1739	2	1	this	this	DET
cblr-1739	2	2	ancient	ancient	ADJ
cblr-1739	2	3	social	social	ADJ
cblr-1739	2	4	philosophy	philosophy	NOUN
cblr-1739	2	5	is	be	AUX
cblr-1739	2	6	at	at	ADP
cblr-1739	2	7	the	the	DET
cblr-1739	2	8	heart	heart	NOUN
cblr-1739	2	9	of	of	ADP
cblr-1739	2	10	a	a	DET
cblr-1739	2	11	new	new	ADJ
cblr-1739	2	12	financial	financial	ADJ
cblr-1739	2	13	technology	technology	NOUN
cblr-1739	2	14	system	system	NOUN
cblr-1739	2	15	—	—	PUNCT
cblr-1739	2	16	social	social	ADJ
cblr-1739	2	17	credit	credit	NOUN
cblr-1739	2	18	.	.	PUNCT
cblr-1739	3	1	in	in	ADP
cblr-1739	3	2	recent	recent	ADJ
cblr-1739	3	3	years	year	NOUN
cblr-1739	3	4	,	,	PUNCT
cblr-1739	3	5	loosely	loosely	ADV
cblr-1739	3	6	regulated	regulate	VERB
cblr-1739	3	7	marketplace	marketplace	NOUN
cblr-1739	3	8	lenders	lender	NOUN
cblr-1739	3	9	have	have	AUX
cblr-1739	3	10	increasingly	increasingly	ADV
cblr-1739	3	11	developed	develop	VERB
cblr-1739	3	12	methods	method	NOUN
cblr-1739	3	13	to	to	PART
cblr-1739	3	14	rank	rank	VERB
cblr-1739	3	15	individuals	individual	NOUN
cblr-1739	3	16	,	,	PUNCT
cblr-1739	3	17	including	include	VERB
cblr-1739	3	18	those	those	PRON
cblr-1739	3	19	traditionally	traditionally	ADV
cblr-1739	3	20	considered	consider	VERB
cblr-1739	3	21	unscored	unscored	ADJ
cblr-1739	3	22	or	or	CCONJ
cblr-1739	3	23	credit	credit	NOUN
cblr-1739	3	24	-	-	PUNCT
cblr-1739	3	25	less	less	ADJ
cblr-1739	3	26	.	.	PUNCT
cblr-1739	4	1	specifically	specifically	ADV
cblr-1739	4	2	,	,	PUNCT
cblr-1739	4	3	some	some	DET
cblr-1739	4	4	lenders	lender	NOUN
cblr-1739	4	5	build	build	VERB
cblr-1739	4	6	their	their	PRON
cblr-1739	4	7	score	score	NOUN
cblr-1739	4	8	-	-	PUNCT
cblr-1739	4	9	generating	generate	VERB
cblr-1739	4	10	algorithms	algorithm	NOUN
cblr-1739	4	11	around	around	ADP
cblr-1739	4	12	behavioral	behavioral	ADJ
cblr-1739	4	13	data	datum	NOUN
cblr-1739	4	14	gleaned	glean	VERB
cblr-1739	4	15	from	from	ADP
cblr-1739	4	16	social	social	ADJ
cblr-1739	4	17	media	medium	NOUN
cblr-1739	4	18	and	and	CCONJ
cblr-1739	4	19	social	social	ADJ
cblr-1739	4	20	networking	network	VERB
cblr-1739	4	21	information	information	NOUN
cblr-1739	4	22	,	,	PUNCT
cblr-1739	4	23	including	include	VERB
cblr-1739	4	24	the	the	DET
cblr-1739	4	25	quantity	quantity	NOUN
cblr-1739	4	26	and	and	CCONJ
cblr-1739	4	27	quality	quality	NOUN
cblr-1739	4	28	of	of	ADP
cblr-1739	4	29	social	social	ADJ
cblr-1739	4	30	media	medium	NOUN
cblr-1739	4	31	presence	presence	NOUN
cblr-1739	4	32	,	,	PUNCT
cblr-1739	4	33	the	the	DET
cblr-1739	4	34	identity	identity	NOUN
cblr-1739	4	35	and	and	CCONJ
cblr-1739	4	36	features	feature	NOUN
cblr-1739	4	37	of	of	ADP
cblr-1739	4	38	the	the	DET
cblr-1739	4	39	applicant	applicant	NOUN
cblr-1739	4	40	’s	’s	PART
cblr-1739	4	41	contacts	contact	NOUN
cblr-1739	4	42	,	,	PUNCT
cblr-1739	4	43	the	the	DET
cblr-1739	4	44	applicant	applicant	NOUN
cblr-1739	4	45	’s	’s	PART
cblr-1739	4	46	online	online	ADJ
cblr-1739	4	47	social	social	ADJ
cblr-1739	4	48	ties	tie	NOUN
cblr-1739	4	49	and	and	CCONJ
cblr-1739	4	50	interactions	interaction	NOUN
cblr-1739	4	51	,	,	PUNCT
cblr-1739	4	52	the	the	DET
cblr-1739	4	53	applicant	applicant	NOUN
cblr-1739	4	54	’s	’s	PART
cblr-1739	4	55	contacts	contact	NOUN
cblr-1739	4	56	’	'	PUNCT
cblr-1739	4	57	financial	financial	ADJ
cblr-1739	4	58	standing	standing	NOUN
cblr-1739	4	59	,	,	PUNCT
cblr-1739	4	60	the	the	DET
cblr-1739	4	61	applicant	applicant	NOUN
cblr-1739	4	62	’s	’s	PART
cblr-1739	4	63	personality	personality	NOUN
cblr-1739	4	64	attributes	attribute	VERB
cblr-1739	4	65	as	as	SCONJ
cblr-1739	4	66	extracted	extract	VERB
cblr-1739	4	67	from	from	ADP
cblr-1739	4	68	her	her	PRON
cblr-1739	4	69	online	online	ADJ
cblr-1739	4	70	footprints	footprint	NOUN
cblr-1739	4	71	,	,	PUNCT
cblr-1739	4	72	and	and	CCONJ
cblr-1739	4	73	more	more	ADJ
cblr-1739	4	74	.	.	PUNCT
cblr-1739	5	1	this	this	DET
cblr-1739	5	2	article	article	NOUN
cblr-1739	5	3	studies	study	VERB
cblr-1739	5	4	the	the	DET
cblr-1739	5	5	potential	potential	ADJ
cblr-1739	5	6	consequences	consequence	NOUN
cblr-1739	5	7	of	of	ADP
cblr-1739	5	8	social	social	ADJ
cblr-1739	5	9	credit	credit	NOUN
cblr-1739	5	10	systems	system	NOUN
cblr-1739	5	11	predicated	predicate	VERB
cblr-1739	5	12	on	on	ADP
cblr-1739	5	13	a	a	DET
cblr-1739	5	14	simple	simple	ADJ
cblr-1739	5	15	transaction	transaction	NOUN
cblr-1739	5	16	:	:	PUNCT
cblr-1739	5	17	authorized	authorize	VERB
cblr-1739	5	18	use	use	NOUN
cblr-1739	5	19	of	of	ADP
cblr-1739	5	20	highly	highly	ADV
cblr-1739	5	21	personal	personal	ADJ
cblr-1739	5	22	information	information	NOUN
cblr-1739	5	23	in	in	ADP
cblr-1739	5	24	return	return	NOUN
cblr-1739	5	25	for	for	ADP
cblr-1739	5	26	better	well	ADJ
cblr-1739	5	27	interest	interest	NOUN
cblr-1739	5	28	rates	rate	NOUN
cblr-1739	5	29	.	.	PUNCT
cblr-1739	6	1	following	follow	VERB
cblr-1739	6	2	a	a	DET
cblr-1739	6	3	detailed	detailed	ADJ
cblr-1739	6	4	description	description	NOUN
cblr-1739	6	5	of	of	ADP
cblr-1739	6	6	emerging	emerge	VERB
cblr-1739	6	7	social	social	ADJ
cblr-1739	6	8	credit	credit	NOUN
cblr-1739	6	9	systems	system	NOUN
cblr-1739	6	10	,	,	PUNCT
cblr-1739	6	11	the	the	DET
cblr-1739	6	12	article	article	NOUN
cblr-1739	6	13	analyzes	analyze	VERB
cblr-1739	6	14	the	the	DET
cblr-1739	6	15	inclination	inclination	NOUN
cblr-1739	6	16	of	of	ADP
cblr-1739	6	17	rational	rational	ADJ
cblr-1739	6	18	and	and	CCONJ
cblr-1739	6	19	irrational	irrational	ADJ
cblr-1739	6	20	customers	customer	NOUN
cblr-1739	6	21	to	to	PART
cblr-1739	6	22	be	be	AUX
cblr-1739	6	23	socially	socially	ADV
cblr-1739	6	24	active	active	ADJ
cblr-1739	6	25	online	online	ADV
cblr-1739	6	26	and/or	and/or	CCONJ
cblr-1739	6	27	disclose	disclose	VERB
cblr-1739	6	28	all	all	DET
cblr-1739	6	29	their	their	PRON
cblr-1739	6	30	online	online	ADJ
cblr-1739	6	31	social	social	ADV
cblr-1739	6	32	-	-	PUNCT
cblr-1739	6	33	related	relate	VERB
cblr-1739	6	34	information	information	NOUN
cblr-1739	6	35	for	for	ADP
cblr-1739	6	36	financial	financial	ADJ
cblr-1739	6	37	ranking	ranking	ADJ
cblr-1739	6	38	purposes	purpose	NOUN
cblr-1739	6	39	.	.	PUNCT
cblr-1739	7	1	this	this	DET
cblr-1739	7	2	examination	examination	NOUN
cblr-1739	7	3	includes	include	VERB
cblr-1739	7	4	,	,	PUNCT
cblr-1739	7	5	inter	inter	ADJ
cblr-1739	7	6	!	!	PUNCT
cblr-1739	8	1	nizan	nizan	PROPN
cblr-1739	8	2	geslevich	geslevich	PROPN
cblr-1739	8	3	packin	packin	PROPN
cblr-1739	8	4	is	be	AUX
cblr-1739	8	5	a	a	DET
cblr-1739	8	6	visiting	visit	VERB
cblr-1739	8	7	scholar	scholar	NOUN
cblr-1739	8	8	at	at	ADP
cblr-1739	8	9	the	the	DET
cblr-1739	8	10	university	university	PROPN
cblr-1739	8	11	of	of	ADP
cblr-1739	8	12	pennsylvania	pennsylvania	PROPN
cblr-1739	8	13	,	,	PUNCT
cblr-1739	8	14	center	center	NOUN
cblr-1739	8	15	for	for	ADP
cblr-1739	8	16	global	global	ADJ
cblr-1739	8	17	communication	communication	NOUN
cblr-1739	8	18	studies	study	NOUN
cblr-1739	8	19	,	,	PUNCT
cblr-1739	8	20	and	and	CCONJ
cblr-1739	8	21	an	an	DET
cblr-1739	8	22	assistant	assistant	ADJ
cblr-1739	8	23	professor	professor	NOUN
cblr-1739	8	24	of	of	ADP
cblr-1739	8	25	law	law	NOUN
cblr-1739	8	26	at	at	ADP
cblr-1739	8	27	city	city	PROPN
cblr-1739	8	28	university	university	PROPN
cblr-1739	8	29	of	of	ADP
cblr-1739	8	30	new	new	PROPN
cblr-1739	8	31	york	york	PROPN
cblr-1739	8	32	;	;	PUNCT
cblr-1739	8	33	yafit	yafit	PROPN
cblr-1739	8	34	lev	lev	PROPN
cblr-1739	8	35	-	-	PUNCT
cblr-1739	8	36	aretz	aretz	PROPN
cblr-1739	8	37	is	be	AUX
cblr-1739	8	38	a	a	DET
cblr-1739	8	39	fellow	fellow	NOUN
cblr-1739	8	40	at	at	ADP
cblr-1739	8	41	new	new	PROPN
cblr-1739	8	42	york	york	PROPN
cblr-1739	8	43	university	university	PROPN
cblr-1739	8	44	information	information	PROPN
cblr-1739	8	45	law	law	PROPN
cblr-1739	8	46	institute	institute	PROPN
cblr-1739	8	47	.	.	PUNCT
cblr-1739	9	1	we	we	PRON
cblr-1739	9	2	are	be	AUX
cblr-1739	9	3	grateful	grateful	ADJ
cblr-1739	9	4	to	to	ADP
cblr-1739	9	5	gideon	gideon	PROPN
cblr-1739	9	6	parchomovsky	parchomovsky	PROPN
cblr-1739	9	7	,	,	PUNCT
cblr-1739	9	8	david	david	PROPN
cblr-1739	9	9	skill	skill	PROPN
cblr-1739	9	10	,	,	PUNCT
cblr-1739	9	11	helen	helen	PROPN
cblr-1739	9	12	nissenbaum	nissenbaum	PROPN
cblr-1739	9	13	,	,	PUNCT
cblr-1739	9	14	katherine	katherine	PROPN
cblr-1739	9	15	strandburg	strandburg	PROPN
cblr-1739	9	16	,	,	PUNCT
cblr-1739	9	17	and	and	CCONJ
cblr-1739	9	18	the	the	DET
cblr-1739	9	19	participants	participant	NOUN
cblr-1739	9	20	of	of	ADP
cblr-1739	9	21	the	the	DET
cblr-1739	9	22	new	new	PROPN
cblr-1739	9	23	york	york	PROPN
cblr-1739	9	24	university	university	PROPN
cblr-1739	9	25	information	information	PROPN
cblr-1739	9	26	law	law	PROPN
cblr-1739	9	27	institute	institute	PROPN
cblr-1739	9	28	privacy	privacy	PROPN
cblr-1739	9	29	research	research	NOUN
cblr-1739	9	30	group	group	NOUN
cblr-1739	9	31	for	for	ADP
cblr-1739	9	32	invaluable	invaluable	ADJ
cblr-1739	9	33	contribution	contribution	NOUN
cblr-1739	9	34	and	and	CCONJ
cblr-1739	9	35	encouragement	encouragement	NOUN
cblr-1739	9	36	.	.	PUNCT
cblr-1739	10	1	we	we	PRON
cblr-1739	10	2	further	far	ADV
cblr-1739	10	3	thank	thank	VERB
cblr-1739	10	4	the	the	DET
cblr-1739	10	5	participants	participant	NOUN
cblr-1739	10	6	of	of	ADP
cblr-1739	10	7	the	the	DET
cblr-1739	10	8	ethics	ethic	NOUN
cblr-1739	10	9	of	of	ADP
cblr-1739	10	10	big	big	ADJ
cblr-1739	10	11	data	datum	NOUN
cblr-1739	10	12	in	in	ADP
cblr-1739	10	13	bloomington	bloomington	PROPN
cblr-1739	10	14	2016	2016	NUM
cblr-1739	10	15	colloquium	colloquium	NOUN
cblr-1739	10	16	for	for	ADP
cblr-1739	10	17	the	the	DET
cblr-1739	10	18	comments	comment	NOUN
cblr-1739	10	19	and	and	CCONJ
cblr-1739	10	20	input	input	NOUN
cblr-1739	10	21	,	,	PUNCT
cblr-1739	10	22	and	and	CCONJ
cblr-1739	10	23	sean	sean	PROPN
cblr-1739	10	24	kannengieser	kannengieser	NOUN
cblr-1739	10	25	for	for	ADP
cblr-1739	10	26	research	research	NOUN
cblr-1739	10	27	assistance	assistance	NOUN
cblr-1739	10	28	.	.	PUNCT
cblr-1739	11	1	the	the	DET
cblr-1739	11	2	opinions	opinion	NOUN
cblr-1739	11	3	addressed	address	VERB
cblr-1739	11	4	in	in	ADP
cblr-1739	11	5	this	this	DET
cblr-1739	11	6	article	article	NOUN
cblr-1739	11	7	are	be	AUX
cblr-1739	11	8	solely	solely	ADV
cblr-1739	11	9	those	those	PRON
cblr-1739	11	10	of	of	ADP
cblr-1739	11	11	the	the	DET
cblr-1739	11	12	authors	author	NOUN
cblr-1739	11	13	.	.	PUNCT
cblr-1739	12	1	this	this	DET
cblr-1739	12	2	research	research	NOUN
cblr-1739	12	3	was	be	AUX
cblr-1739	12	4	supported	support	VERB
cblr-1739	12	5	by	by	ADP
cblr-1739	12	6	the	the	DET
cblr-1739	12	7	research	research	NOUN
cblr-1739	12	8	foundation	foundation	PROPN
cblr-1739	12	9	of	of	ADP
cblr-1739	12	10	cuny	cuny	PROPN
cblr-1739	12	11	,	,	PUNCT
cblr-1739	12	12	and	and	CCONJ
cblr-1739	12	13	received	receive	VERB
cblr-1739	12	14	the	the	DET
cblr-1739	12	15	psc	psc	PROPN
cblr-1739	12	16	-	-	PUNCT
cblr-1739	12	17	cuny	cuny	PROPN
cblr-1739	12	18	research	research	PROPN
cblr-1739	12	19	award	award	PROPN
cblr-1739	12	20	.	.	PUNCT
cblr-1739	13	1	geslevich	geslevich	PROPN
cblr-1739	13	2	packin	packin	PROPN
cblr-1739	13	3	&	&	CCONJ
cblr-1739	13	4	lev	lev	PROPN
cblr-1739	13	5	-	-	PUNCT
cblr-1739	13	6	aretz	aretz	PROPN
cblr-1739	13	7	–	–	PUNCT
cblr-1739	13	8	final	final	ADJ
cblr-1739	13	9	340	340	NUM
cblr-1739	13	10	columbia	columbia	PROPN
cblr-1739	13	11	business	business	NOUN
cblr-1739	13	12	law	law	PROPN
cblr-1739	13	13	review	review	NOUN
cblr-1739	14	1	[	[	X
cblr-1739	14	2	vol	vol	NOUN
cblr-1739	14	3	.	.	PUNCT
cblr-1739	14	4	2016	2016	NUM
cblr-1739	14	5	alia	alia	ADJ
cblr-1739	14	6	,	,	PUNCT
cblr-1739	14	7	consumers	consumer	NOUN
cblr-1739	14	8	’	'	PUNCT
cblr-1739	14	9	preferences	preference	NOUN
cblr-1739	14	10	as	as	ADV
cblr-1739	14	11	well	well	ADV
cblr-1739	14	12	as	as	ADP
cblr-1739	14	13	mistakes	mistake	NOUN
cblr-1739	14	14	,	,	PUNCT
cblr-1739	14	15	gamesmanship	gamesmanship	NOUN
cblr-1739	14	16	,	,	PUNCT
cblr-1739	14	17	and	and	CCONJ
cblr-1739	14	18	consumers	consumer	NOUN
cblr-1739	14	19	’	’	PART
cblr-1739	14	20	self	self	NOUN
cblr-1739	14	21	-	-	PUNCT
cblr-1739	14	22	doxing	doxe	VERB
cblr-1739	14	23	or	or	CCONJ
cblr-1739	14	24	lack	lack	NOUN
cblr-1739	14	25	thereof	thereof	ADV
cblr-1739	14	26	.	.	PUNCT
cblr-1739	15	1	the	the	DET
cblr-1739	15	2	article	article	NOUN
cblr-1739	15	3	then	then	ADV
cblr-1739	15	4	moves	move	VERB
cblr-1739	15	5	to	to	PART
cblr-1739	15	6	discuss	discuss	VERB
cblr-1739	15	7	policy	policy	NOUN
cblr-1739	15	8	challenges	challenge	NOUN
cblr-1739	15	9	triggered	trigger	VERB
cblr-1739	15	10	by	by	ADP
cblr-1739	15	11	social	social	ADJ
cblr-1739	15	12	-	-	PUNCT
cblr-1739	15	13	based	base	VERB
cblr-1739	15	14	financial	financial	ADJ
cblr-1739	15	15	ranking	ranking	NOUN
cblr-1739	15	16	that	that	PRON
cblr-1739	15	17	may	may	AUX
cblr-1739	15	18	become	become	VERB
cblr-1739	15	19	the	the	DET
cblr-1739	15	20	new	new	ADJ
cblr-1739	15	21	creditworthiness	creditworthiness	PROPN
cblr-1739	15	22	baseline	baseline	PROPN
cblr-1739	15	23	criteria	criterion	NOUN
cblr-1739	15	24	.	.	PUNCT
cblr-1739	16	1	it	it	PRON
cblr-1739	16	2	focuses	focus	VERB
cblr-1739	16	3	on	on	ADP
cblr-1739	16	4	(	(	PUNCT
cblr-1739	16	5	i	i	NOUN
cblr-1739	16	6	)	)	PUNCT
cblr-1739	16	7	direct	direct	ADJ
cblr-1739	16	8	privacy	privacy	NOUN
cblr-1739	16	9	harms	harm	VERB
cblr-1739	16	10	to	to	ADP
cblr-1739	16	11	loan	loan	NOUN
cblr-1739	16	12	seekers	seeker	NOUN
cblr-1739	16	13	,	,	PUNCT
cblr-1739	16	14	and	and	CCONJ
cblr-1739	16	15	derivative	derivative	ADJ
cblr-1739	16	16	privacy	privacy	NOUN
cblr-1739	16	17	harm	harm	NOUN
cblr-1739	16	18	to	to	ADP
cblr-1739	16	19	loan	loan	NOUN
cblr-1739	16	20	seekers	seeker	NOUN
cblr-1739	16	21	’	'	PUNCT
cblr-1739	16	22	online	online	ADJ
cblr-1739	16	23	contacts	contact	NOUN
cblr-1739	16	24	or	or	CCONJ
cblr-1739	16	25	followers	follower	NOUN
cblr-1739	16	26	,	,	PUNCT
cblr-1739	16	27	(	(	PUNCT
cblr-1739	16	28	ii	ii	NOUN
cblr-1739	16	29	)	)	PUNCT
cblr-1739	16	30	online	online	ADJ
cblr-1739	16	31	social	social	ADJ
cblr-1739	16	32	segregation	segregation	NOUN
cblr-1739	16	33	potentially	potentially	ADV
cblr-1739	16	34	mirrored	mirror	VERB
cblr-1739	16	35	by	by	ADP
cblr-1739	16	36	offline	offline	ADJ
cblr-1739	16	37	social	social	ADJ
cblr-1739	16	38	polarization	polarization	NOUN
cblr-1739	16	39	,	,	PUNCT
cblr-1739	16	40	and	and	CCONJ
cblr-1739	16	41	(	(	PUNCT
cblr-1739	16	42	iii	iii	NOUN
cblr-1739	16	43	)	)	PUNCT
cblr-1739	16	44	due	due	ADJ
cblr-1739	16	45	process	process	NOUN
cblr-1739	16	46	violations	violation	NOUN
cblr-1739	16	47	derived	derive	VERB
cblr-1739	16	48	from	from	ADP
cblr-1739	16	49	algorithmic	algorithmic	ADJ
cblr-1739	16	50	decision	decision	NOUN
cblr-1739	16	51	-	-	PUNCT
cblr-1739	16	52	making	make	VERB
cblr-1739	16	53	and	and	CCONJ
cblr-1739	16	54	unsupervised	unsupervised	ADJ
cblr-1739	16	55	machine	machine	NOUN
cblr-1739	16	56	learning	learning	NOUN
cblr-1739	16	57	.	.	PUNCT
cblr-1739	17	1	the	the	DET
cblr-1739	17	2	article	article	NOUN
cblr-1739	17	3	concludes	conclude	VERB
cblr-1739	17	4	by	by	ADP
cblr-1739	17	5	making	make	VERB
cblr-1739	17	6	a	a	DET
cblr-1739	17	7	significant	significant	ADJ
cblr-1739	17	8	normative	normative	ADJ
cblr-1739	17	9	contribution	contribution	NOUN
cblr-1739	17	10	,	,	PUNCT
cblr-1739	17	11	introducing	introduce	VERB
cblr-1739	17	12	a	a	DET
cblr-1739	17	13	limited	limited	ADJ
cblr-1739	17	14	“	"	PUNCT
cblr-1739	17	15	right	right	NOUN
cblr-1739	17	16	to	to	PART
cblr-1739	17	17	be	be	AUX
cblr-1739	17	18	unnetworked	unnetworked	ADJ
cblr-1739	17	19	,	,	PUNCT
cblr-1739	17	20	”	"	PUNCT
cblr-1739	17	21	to	to	PART
cblr-1739	17	22	accommodate	accommodate	VERB
cblr-1739	17	23	the	the	DET
cblr-1739	17	24	welcomed	welcome	VERB
cblr-1739	17	25	aspects	aspect	NOUN
cblr-1739	17	26	of	of	ADP
cblr-1739	17	27	social	social	ADJ
cblr-1739	17	28	credit	credit	NOUN
cblr-1739	17	29	systems	system	NOUN
cblr-1739	17	30	while	while	SCONJ
cblr-1739	17	31	mitigating	mitigate	VERB
cblr-1739	17	32	many	many	ADJ
cblr-1739	17	33	of	of	ADP
cblr-1739	17	34	their	their	PRON
cblr-1739	17	35	undesired	undesired	ADJ
cblr-1739	17	36	consequences	consequence	NOUN
cblr-1739	17	37	.	.	PUNCT
cblr-1739	18	1	i.	i.	NOUN
cblr-1739	18	2	introduction	introduction	NOUN
cblr-1739	18	3	...............................................................	...............................................................	PUNCT
cblr-1739	18	4	341	341	NUM
cblr-1739	18	5	ii	ii	NOUN
cblr-1739	18	6	.	.	PUNCT
cblr-1739	19	1	from	from	ADP
cblr-1739	19	2	a	a	DET
cblr-1739	19	3	faceless	faceless	ADJ
cblr-1739	19	4	credit	credit	NOUN
cblr-1739	19	5	to	to	ADP
cblr-1739	19	6	a	a	DET
cblr-1739	19	7	social	social	ADJ
cblr-1739	19	8	score	score	NOUN
cblr-1739	19	9	..................	..................	PUNCT
cblr-1739	19	10	350	350	NUM
cblr-1739	19	11	a.	a.	NOUN
cblr-1739	19	12	history	history	NOUN
cblr-1739	19	13	of	of	ADP
cblr-1739	19	14	traditional	traditional	ADJ
cblr-1739	19	15	credit	credit	NOUN
cblr-1739	19	16	scoring	scoring	NOUN
cblr-1739	19	17	.................	.................	PUNCT
cblr-1739	19	18	350	350	NUM
cblr-1739	19	19	b.	b.	PROPN
cblr-1739	19	20	future	future	ADJ
cblr-1739	19	21	opportunities	opportunity	NOUN
cblr-1739	19	22	for	for	ADP
cblr-1739	19	23	financial	financial	ADJ
cblr-1739	19	24	inclusion	inclusion	NOUN
cblr-1739	19	25	....	....	PUNCT
cblr-1739	19	26	355	355	NUM
cblr-1739	19	27	1	1	NUM
cblr-1739	19	28	.	.	PUNCT
cblr-1739	19	29	marketplace	marketplace	NOUN
cblr-1739	19	30	lending	lending	NOUN
cblr-1739	19	31	—	—	PUNCT
cblr-1739	19	32	big	big	ADJ
cblr-1739	19	33	data	datum	NOUN
cblr-1739	19	34	mining	mining	NOUN
cblr-1739	19	35	.......	.......	PUNCT
cblr-1739	19	36	357	357	NUM
cblr-1739	19	37	2	2	NUM
cblr-1739	19	38	.	.	PUNCT
cblr-1739	19	39	marketplace	marketplace	NOUN
cblr-1739	19	40	lending	lending	NOUN
cblr-1739	19	41	—	—	PUNCT
cblr-1739	19	42	social	social	ADJ
cblr-1739	19	43	credit	credit	NOUN
cblr-1739	19	44	.............	.............	PUNCT
cblr-1739	19	45	360	360	NUM
cblr-1739	19	46	iii	iii	NOUN
cblr-1739	19	47	.	.	PUNCT
cblr-1739	20	1	consumers	consumer	NOUN
cblr-1739	20	2	’	’	PART
cblr-1739	20	3	responses	response	NOUN
cblr-1739	20	4	to	to	ADP
cblr-1739	20	5	social	social	ADJ
cblr-1739	20	6	credit	credit	NOUN
cblr-1739	20	7	.....................	.....................	PUNCT
cblr-1739	20	8	365	365	NUM
cblr-1739	20	9	a.	a.	NOUN
cblr-1739	20	10	rationality	rationality	NOUN
cblr-1739	20	11	and	and	CCONJ
cblr-1739	20	12	decision	decision	NOUN
cblr-1739	20	13	-	-	PUNCT
cblr-1739	20	14	making	making	NOUN
cblr-1739	20	15	........................	........................	PUNCT
cblr-1739	20	16	368	368	NUM
cblr-1739	20	17	b.	b.	NOUN
cblr-1739	20	18	to	to	ADP
cblr-1739	20	19	network	network	NOUN
cblr-1739	20	20	or	or	CCONJ
cblr-1739	20	21	not	not	PART
cblr-1739	20	22	to	to	PART
cblr-1739	20	23	network	network	VERB
cblr-1739	20	24	............................	............................	PUNCT
cblr-1739	20	25	372	372	NUM
cblr-1739	20	26	1	1	NUM
cblr-1739	20	27	.	.	PUNCT
cblr-1739	20	28	type	type	NOUN
cblr-1739	20	29	a	a	PRON
cblr-1739	20	30	—	—	PUNCT
cblr-1739	20	31	rational	rational	ADJ
cblr-1739	20	32	and	and	CCONJ
cblr-1739	20	33	maximizing	maximize	VERB
cblr-1739	20	34	nonfinancial	nonfinancial	ADJ
cblr-1739	20	35	utility	utility	NOUN
cblr-1739	20	36	.............................................	.............................................	PUNCT
cblr-1739	21	1	372	372	NUM
cblr-1739	21	2	2	2	NUM
cblr-1739	21	3	.	.	PUNCT
cblr-1739	21	4	type	type	NOUN
cblr-1739	21	5	b	b	NOUN
cblr-1739	21	6	—	—	PUNCT
cblr-1739	21	7	rational	rational	ADJ
cblr-1739	21	8	and	and	CCONJ
cblr-1739	21	9	socially	socially	ADV
cblr-1739	21	10	practical	practical	ADJ
cblr-1739	21	11	.......	.......	PUNCT
cblr-1739	21	12	374	374	NUM
cblr-1739	21	13	3	3	NUM
cblr-1739	21	14	.	.	PUNCT
cblr-1739	21	15	type	type	NOUN
cblr-1739	21	16	c	c	NOUN
cblr-1739	21	17	—	—	PUNCT
cblr-1739	21	18	lazy	lazy	ADJ
cblr-1739	21	19	,	,	PUNCT
cblr-1739	21	20	idealistic	idealistic	ADJ
cblr-1739	21	21	,	,	PUNCT
cblr-1739	21	22	or	or	CCONJ
cblr-1739	21	23	benefiting	benefit	VERB
cblr-1739	21	24	in	in	ADP
cblr-1739	21	25	a	a	DET
cblr-1739	21	26	different	different	ADJ
cblr-1739	21	27	way	way	NOUN
cblr-1739	21	28	..............................................	..............................................	PUNCT
cblr-1739	21	29	380	380	NUM
cblr-1739	21	30	4	4	NUM
cblr-1739	21	31	.	.	PUNCT
cblr-1739	21	32	type	type	NOUN
cblr-1739	21	33	d	d	NOUN
cblr-1739	21	34	—	—	PUNCT
cblr-1739	21	35	non	non	ADJ
cblr-1739	21	36	-	-	ADJ
cblr-1739	21	37	tech	tech	ADJ
cblr-1739	21	38	savvy	savvy	NOUN
cblr-1739	21	39	and	and	CCONJ
cblr-1739	21	40	lemons	lemon	NOUN
cblr-1739	21	41	?	?	PUNCT
cblr-1739	22	1	........	........	PUNCT
cblr-1739	23	1	381	381	NUM
cblr-1739	23	2	iv	iv	NOUN
cblr-1739	23	3	.	.	PUNCT
cblr-1739	23	4	privacy	privacy	NOUN
cblr-1739	23	5	-	-	PUNCT
cblr-1739	23	6	related	relate	VERB
cblr-1739	23	7	harms	harm	NOUN
cblr-1739	23	8	..............................................	..............................................	PUNCT
cblr-1739	23	9	382	382	NUM
cblr-1739	23	10	a.	a.	NOUN
cblr-1739	23	11	direct	direct	PROPN
cblr-1739	23	12	privacy	privacy	PROPN
cblr-1739	23	13	effect	effect	NOUN
cblr-1739	23	14	...........................................	...........................................	PUNCT
cblr-1739	23	15	383	383	NUM
cblr-1739	23	16	b.	b.	NOUN
cblr-1739	23	17	derivative	derivative	ADJ
cblr-1739	23	18	privacy	privacy	NOUN
cblr-1739	23	19	effect	effect	NOUN
cblr-1739	23	20	....................................	....................................	PUNCT
cblr-1739	23	21	386	386	NUM
cblr-1739	23	22	1	1	NUM
cblr-1739	23	23	.	.	X
cblr-1739	23	24	contextual	contextual	ADJ
cblr-1739	23	25	integrity	integrity	NOUN
cblr-1739	23	26	theory	theory	NOUN
cblr-1739	23	27	of	of	ADP
cblr-1739	23	28	privacy	privacy	NOUN
cblr-1739	23	29	.........	.........	PUNCT
cblr-1739	23	30	387	387	NUM
cblr-1739	23	31	2	2	NUM
cblr-1739	23	32	.	.	PUNCT
cblr-1739	23	33	social	social	ADJ
cblr-1739	23	34	network	network	NOUN
cblr-1739	23	35	theory	theory	NOUN
cblr-1739	23	36	of	of	ADP
cblr-1739	23	37	privacy	privacy	NOUN
cblr-1739	23	38	..................	..................	PUNCT
cblr-1739	23	39	389	389	NUM
cblr-1739	23	40	v.	v.	ADP
cblr-1739	23	41	social	social	ADJ
cblr-1739	23	42	polarization	polarization	NOUN
cblr-1739	23	43	.....................................................	.....................................................	PUNCT
cblr-1739	23	44	392	392	NUM
cblr-1739	23	45	a.	a.	NOUN
cblr-1739	23	46	online	online	NOUN
cblr-1739	23	47	and	and	CCONJ
cblr-1739	23	48	offline	offline	ADJ
cblr-1739	23	49	social	social	ADJ
cblr-1739	23	50	segregation	segregation	NOUN
cblr-1739	23	51	................	................	PUNCT
cblr-1739	23	52	392	392	NUM
cblr-1739	23	53	b.	b.	PROPN
cblr-1739	23	54	social	social	ADJ
cblr-1739	23	55	harms	harm	NOUN
cblr-1739	23	56	:	:	PUNCT
cblr-1739	23	57	decrease	decrease	NOUN
cblr-1739	23	58	in	in	ADP
cblr-1739	23	59	social	social	ADJ
cblr-1739	23	60	capital	capital	NOUN
cblr-1739	23	61	and	and	CCONJ
cblr-1739	23	62	lower	low	ADJ
cblr-1739	23	63	social	social	ADJ
cblr-1739	23	64	mobility	mobility	NOUN
cblr-1739	23	65	..........................................	..........................................	PUNCT
cblr-1739	23	66	396	396	NUM
cblr-1739	23	67	geslevich	geslevich	PROPN
cblr-1739	23	68	packin	packin	PROPN
cblr-1739	23	69	&	&	CCONJ
cblr-1739	23	70	lev	lev	PROPN
cblr-1739	23	71	-	-	PUNCT
cblr-1739	23	72	aretz	aretz	PROPN
cblr-1739	23	73	–	–	PUNCT
cblr-1739	23	74	final	final	ADJ
cblr-1739	23	75	no	no	NOUN
cblr-1739	23	76	.	.	PUNCT
cblr-1739	24	1	2:339	2:339	NUM
cblr-1739	24	2	]	]	X
cblr-1739	24	3	on	on	ADP
cblr-1739	24	4	social	social	ADJ
cblr-1739	24	5	credit	credit	NOUN
cblr-1739	24	6	341	341	NUM
cblr-1739	24	7	c.	c.	NOUN
cblr-1739	24	8	a	a	DET
cblr-1739	24	9	“	"	PUNCT
cblr-1739	24	10	duty	duty	NOUN
cblr-1739	24	11	”	"	PUNCT
cblr-1739	24	12	to	to	PART
cblr-1739	24	13	be	be	AUX
cblr-1739	24	14	forgotten	forget	VERB
cblr-1739	24	15	.....................................	.....................................	PUNCT
cblr-1739	25	1	399	399	NUM
cblr-1739	25	2	vi	vi	NOUN
cblr-1739	25	3	.	.	PUNCT
cblr-1739	25	4	on	on	ADP
cblr-1739	25	5	algorithms	algorithm	NOUN
cblr-1739	25	6	,	,	PUNCT
cblr-1739	25	7	discrimination	discrimination	NOUN
cblr-1739	25	8	,	,	PUNCT
cblr-1739	25	9	and	and	CCONJ
cblr-1739	25	10	integrity	integrity	NOUN
cblr-1739	25	11	..........	..........	PUNCT
cblr-1739	25	12	401	401	NUM
cblr-1739	25	13	vii	vii	PROPN
cblr-1739	25	14	.	.	PUNCT
cblr-1739	26	1	regulating	regulate	VERB
cblr-1739	26	2	social	social	ADJ
cblr-1739	26	3	credit	credit	NOUN
cblr-1739	26	4	............................................	............................................	PUNCT
cblr-1739	26	5	408	408	NUM
cblr-1739	26	6	a.	a.	NOUN
cblr-1739	26	7	disclosure	disclosure	NOUN
cblr-1739	26	8	............................................................	............................................................	PUNCT
cblr-1739	26	9	409	409	NUM
cblr-1739	26	10	b.	b.	PROPN
cblr-1739	26	11	disparate	disparate	PROPN
cblr-1739	26	12	impact	impact	NOUN
cblr-1739	26	13	.................................................	.................................................	PUNCT
cblr-1739	27	1	413	413	NUM
cblr-1739	27	2	c.	c.	NOUN
cblr-1739	27	3	the	the	DET
cblr-1739	27	4	right	right	NOUN
cblr-1739	27	5	to	to	PART
cblr-1739	27	6	be	be	AUX
cblr-1739	27	7	unnetworked	unnetworke	VERB
cblr-1739	27	8	............................	............................	PUNCT
cblr-1739	27	9	416	416	NUM
cblr-1739	27	10	d.	d.	NOUN
cblr-1739	27	11	against	against	ADP
cblr-1739	27	12	a	a	DET
cblr-1739	27	13	financially	financially	ADV
cblr-1739	27	14	sound	sound	ADJ
cblr-1739	27	15	policy	policy	NOUN
cblr-1739	27	16	—	—	PUNCT
cblr-1739	27	17	precedents	precedent	NOUN
cblr-1739	27	18	...........................................................	...........................................................	PUNCT
cblr-1739	27	19	420	420	NUM
cblr-1739	27	20	viii	viii	ADJ
cblr-1739	27	21	.	.	PUNCT
cblr-1739	28	1	conclusion	conclusion	NOUN
cblr-1739	28	2	..................................................................	..................................................................	PUNCT
cblr-1739	28	3	424	424	NUM
cblr-1739	28	4	i.	i.	NOUN
cblr-1739	28	5	introduction	introduction	NOUN
cblr-1739	28	6	when	when	SCONJ
cblr-1739	28	7	people	people	NOUN
cblr-1739	28	8	discovered	discover	VERB
cblr-1739	28	9	gold	gold	NOUN
cblr-1739	28	10	on	on	ADP
cblr-1739	28	11	the	the	DET
cblr-1739	28	12	remote	remote	ADJ
cblr-1739	28	13	klondike	klondike	NOUN
cblr-1739	28	14	river	river	PROPN
cblr-1739	28	15	in	in	ADP
cblr-1739	28	16	canada	canada	PROPN
cblr-1739	28	17	in	in	ADP
cblr-1739	28	18	1897	1897	NUM
cblr-1739	28	19	,	,	PUNCT
cblr-1739	28	20	they	they	PRON
cblr-1739	28	21	recognized	recognize	VERB
cblr-1739	28	22	its	its	PRON
cblr-1739	28	23	potential	potential	NOUN
cblr-1739	28	24	,	,	PUNCT
cblr-1739	28	25	became	become	VERB
cblr-1739	28	26	excited	excited	ADJ
cblr-1739	28	27	,	,	PUNCT
cblr-1739	28	28	and	and	CCONJ
cblr-1739	28	29	rushed	rush	VERB
cblr-1739	28	30	to	to	PART
cblr-1739	28	31	find	find	VERB
cblr-1739	28	32	more	more	ADJ
cblr-1739	28	33	.	.	PUNCT
cblr-1739	29	1	the	the	DET
cblr-1739	29	2	years	year	NOUN
cblr-1739	29	3	following	follow	VERB
cblr-1739	29	4	the	the	DET
cblr-1739	29	5	2008	2008	NUM
cblr-1739	29	6	financial	financial	ADJ
cblr-1739	29	7	crisis	crisis	NOUN
cblr-1739	29	8	witnessed	witness	VERB
cblr-1739	29	9	a	a	DET
cblr-1739	29	10	similar	similar	ADJ
cblr-1739	29	11	rush	rush	NOUN
cblr-1739	29	12	for	for	ADP
cblr-1739	29	13	a	a	DET
cblr-1739	29	14	new	new	ADJ
cblr-1739	29	15	kind	kind	NOUN
cblr-1739	29	16	of	of	ADP
cblr-1739	29	17	gold	gold	NOUN
cblr-1739	29	18	:	:	PUNCT
cblr-1739	29	19	online	online	ADJ
cblr-1739	29	20	marketplace	marketplace	NOUN
cblr-1739	29	21	lending	lending	NOUN
cblr-1739	29	22	.	.	PUNCT
cblr-1739	30	1	the	the	DET
cblr-1739	30	2	term	term	NOUN
cblr-1739	30	3	“	"	PUNCT
cblr-1739	30	4	best	good	ADJ
cblr-1739	30	5	describes	describe	VERB
cblr-1739	30	6	the	the	DET
cblr-1739	30	7	many	many	ADJ
cblr-1739	30	8	fast	fast	ADV
cblr-1739	30	9	-	-	PUNCT
cblr-1739	30	10	growing	grow	VERB
cblr-1739	30	11	firms	firm	NOUN
cblr-1739	30	12	using	use	VERB
cblr-1739	30	13	[	[	X
cblr-1739	30	14	financial	financial	ADJ
cblr-1739	30	15	]	]	X
cblr-1739	30	16	technology	technology	NOUN
cblr-1739	30	17	[	[	X
cblr-1739	30	18	“	"	PUNCT
cblr-1739	30	19	fintech	fintech	NOUN
cblr-1739	30	20	”	"	PUNCT
cblr-1739	30	21	]	]	PUNCT
cblr-1739	30	22	to	to	PART
cblr-1739	30	23	build	build	VERB
cblr-1739	30	24	online	online	ADJ
cblr-1739	30	25	platforms	platform	NOUN
cblr-1739	30	26	that	that	PRON
cblr-1739	30	27	stand	stand	VERB
cblr-1739	30	28	between	between	ADP
cblr-1739	30	29	borrowers	borrower	NOUN
cblr-1739	30	30	and	and	CCONJ
cblr-1739	30	31	lenders	lender	NOUN
cblr-1739	30	32	.	.	PUNCT
cblr-1739	30	33	”1	”1	PUNCT
cblr-1739	30	34	marketplace	marketplace	NOUN
cblr-1739	30	35	lenders	lender	NOUN
cblr-1739	30	36	reinterpreted	reinterpret	VERB
cblr-1739	30	37	the	the	DET
cblr-1739	30	38	traditional	traditional	ADJ
cblr-1739	30	39	notion	notion	NOUN
cblr-1739	30	40	that	that	SCONJ
cblr-1739	30	41	past	past	ADJ
cblr-1739	30	42	conduct	conduct	NOUN
cblr-1739	30	43	serves	serve	VERB
cblr-1739	30	44	as	as	ADP
cblr-1739	30	45	a	a	DET
cblr-1739	30	46	useful	useful	ADJ
cblr-1739	30	47	indicator	indicator	NOUN
cblr-1739	30	48	for	for	ADP
cblr-1739	30	49	predicting	predict	VERB
cblr-1739	30	50	an	an	DET
cblr-1739	30	51	individual	individual	NOUN
cblr-1739	30	52	’s	’s	PART
cblr-1739	30	53	future	future	NOUN
cblr-1739	30	54	.	.	PUNCT
cblr-1739	31	1	historically	historically	ADV
cblr-1739	31	2	,	,	PUNCT
cblr-1739	31	3	lenders	lender	NOUN
cblr-1739	31	4	used	use	VERB
cblr-1739	31	5	secretive	secretive	ADJ
cblr-1739	31	6	scoring	scoring	NOUN
cblr-1739	31	7	models	model	NOUN
cblr-1739	31	8	to	to	PART
cblr-1739	31	9	formulate	formulate	VERB
cblr-1739	31	10	a	a	DET
cblr-1739	31	11	person	person	NOUN
cblr-1739	31	12	’s	’s	PART
cblr-1739	31	13	credit	credit	NOUN
cblr-1739	31	14	score	score	NOUN
cblr-1739	31	15	based	base	VERB
cblr-1739	31	16	on	on	ADP
cblr-1739	31	17	the	the	DET
cblr-1739	31	18	individual	individual	NOUN
cblr-1739	31	19	’s	’s	PART
cblr-1739	31	20	past	past	ADJ
cblr-1739	31	21	financial	financial	ADJ
cblr-1739	31	22	behavior	behavior	NOUN
cblr-1739	31	23	and	and	CCONJ
cblr-1739	31	24	additional	additional	ADJ
cblr-1739	31	25	factors	factor	NOUN
cblr-1739	31	26	bearing	bear	VERB
cblr-1739	31	27	predictive	predictive	ADJ
cblr-1739	31	28	value.2	value.2	ADP
cblr-1739	31	29	the	the	DET
cblr-1739	31	30	opacity	opacity	NOUN
cblr-1739	31	31	surrounding	surround	VERB
cblr-1739	31	32	financial	financial	ADJ
cblr-1739	31	33	rankings	ranking	NOUN
cblr-1739	31	34	did	do	AUX
cblr-1739	31	35	not	not	PART
cblr-1739	31	36	tally	tally	VERB
cblr-1739	31	37	with	with	ADP
cblr-1739	31	38	their	their	PRON
cblr-1739	31	39	significance	significance	NOUN
cblr-1739	31	40	on	on	ADP
cblr-1739	31	41	individuals	individual	NOUN
cblr-1739	31	42	’	'	PUNCT
cblr-1739	31	43	1	1	NUM
cblr-1739	31	44	kevin	kevin	PROPN
cblr-1739	31	45	wack	wack	PROPN
cblr-1739	31	46	,	,	PUNCT
cblr-1739	31	47	colin	colin	PROPN
cblr-1739	31	48	wilhelm	wilhelm	PROPN
cblr-1739	31	49	&	&	CCONJ
cblr-1739	31	50	john	john	PROPN
cblr-1739	31	51	adams	adams	PROPN
cblr-1739	31	52	,	,	PUNCT
cblr-1739	31	53	innovation	innovation	NOUN
cblr-1739	31	54	of	of	ADP
cblr-1739	31	55	the	the	DET
cblr-1739	31	56	year	year	NOUN
cblr-1739	31	57	:	:	PUNCT
cblr-1739	31	58	online	online	ADJ
cblr-1739	31	59	marketplace	marketplace	NOUN
cblr-1739	31	60	lending	lending	NOUN
cblr-1739	31	61	,	,	PUNCT
cblr-1739	31	62	am	be	AUX
cblr-1739	32	1	.	.	PUNCT
cblr-1739	32	2	banker	banker	NOUN
cblr-1739	32	3	(	(	PUNCT
cblr-1739	32	4	dec	dec	PROPN
cblr-1739	32	5	.	.	PROPN
cblr-1739	32	6	17	17	NUM
cblr-1739	32	7	,	,	PUNCT
cblr-1739	32	8	2014	2014	NUM
cblr-1739	32	9	)	)	PUNCT
cblr-1739	32	10	,	,	PUNCT
cblr-1739	32	11	http://www	http://www	PROPN
cblr-1739	32	12	.	.	PUNCT
cblr-1739	32	13	americanbanker.com/news/bank-technology/innovation-of-the-year-onlinemarketplace-lending-1071693-1.html?zkprintable=1&nopagination=1	americanbanker.com/news/bank-technology/innovation-of-the-year-onlinemarketplace-lending-1071693-1.html?zkprintable=1&nopagination=1	PROPN
cblr-1739	33	1	[	[	X
cblr-1739	33	2	http://perma.cc/m65l-6aq5	http://perma.cc/m65l-6aq5	NOUN
cblr-1739	33	3	]	]	PUNCT
cblr-1739	33	4	.	.	PUNCT
cblr-1739	34	1	2	2	NUM
cblr-1739	34	2	see	see	VERB
cblr-1739	34	3	ian	ian	PROPN
cblr-1739	34	4	o’neill	o’neill	PROPN
cblr-1739	34	5	,	,	PUNCT
cblr-1739	34	6	disparate	disparate	ADJ
cblr-1739	34	7	impact	impact	NOUN
cblr-1739	34	8	,	,	PUNCT
cblr-1739	34	9	federal	federal	ADJ
cblr-1739	34	10	/	/	SYM
cblr-1739	34	11	state	state	NOUN
cblr-1739	34	12	tension	tension	NOUN
cblr-1739	34	13	,	,	PUNCT
cblr-1739	34	14	and	and	CCONJ
cblr-1739	34	15	the	the	DET
cblr-1739	34	16	use	use	NOUN
cblr-1739	34	17	of	of	ADP
cblr-1739	34	18	credit	credit	NOUN
cblr-1739	34	19	scores	score	NOUN
cblr-1739	34	20	by	by	ADP
cblr-1739	34	21	insurance	insurance	NOUN
cblr-1739	34	22	companies	company	NOUN
cblr-1739	34	23	,	,	PUNCT
cblr-1739	34	24	19	19	NUM
cblr-1739	34	25	loy	loy	PROPN
cblr-1739	34	26	.	.	PUNCT
cblr-1739	35	1	consumer	consumer	PROPN
cblr-1739	35	2	l.	l.	PROPN
cblr-1739	35	3	rev	rev	PROPN
cblr-1739	35	4	.	.	PROPN
cblr-1739	35	5	151	151	NUM
cblr-1739	35	6	,	,	PUNCT
cblr-1739	35	7	152–53	152–53	NUM
cblr-1739	35	8	(	(	PUNCT
cblr-1739	35	9	2007	2007	NUM
cblr-1739	35	10	)	)	PUNCT
cblr-1739	35	11	(	(	PUNCT
cblr-1739	36	1	explaining	explain	VERB
cblr-1739	36	2	that	that	SCONJ
cblr-1739	36	3	credit	credit	NOUN
cblr-1739	36	4	scores	score	NOUN
cblr-1739	36	5	are	be	AUX
cblr-1739	36	6	created	create	VERB
cblr-1739	36	7	by	by	ADP
cblr-1739	36	8	“	"	PUNCT
cblr-1739	36	9	applying	apply	VERB
cblr-1739	36	10	complex	complex	ADJ
cblr-1739	36	11	formulas	formula	NOUN
cblr-1739	36	12	,	,	PUNCT
cblr-1739	36	13	also	also	ADV
cblr-1739	36	14	known	know	VERB
cblr-1739	36	15	as	as	ADP
cblr-1739	36	16	statistical	statistical	ADJ
cblr-1739	36	17	models	model	NOUN
cblr-1739	36	18	,	,	PUNCT
cblr-1739	36	19	to	to	ADP
cblr-1739	36	20	specific	specific	ADJ
cblr-1739	36	21	information	information	NOUN
cblr-1739	36	22	contained	contain	VERB
cblr-1739	36	23	within	within	ADP
cblr-1739	36	24	the	the	DET
cblr-1739	36	25	consumer	consumer	NOUN
cblr-1739	36	26	’s	’s	PART
cblr-1739	36	27	credit	credit	NOUN
cblr-1739	36	28	report	report	NOUN
cblr-1739	36	29	”	"	PUNCT
cblr-1739	36	30	)	)	PUNCT
cblr-1739	36	31	.	.	PUNCT
cblr-1739	37	1	geslevich	geslevich	PROPN
cblr-1739	37	2	packin	packin	PROPN
cblr-1739	37	3	&	&	CCONJ
cblr-1739	37	4	lev	lev	PROPN
cblr-1739	37	5	-	-	PUNCT
cblr-1739	37	6	aretz	aretz	PROPN
cblr-1739	37	7	–	–	PUNCT
cblr-1739	37	8	final	final	ADJ
cblr-1739	37	9	342	342	NUM
cblr-1739	37	10	columbia	columbia	PROPN
cblr-1739	37	11	business	business	NOUN
cblr-1739	37	12	law	law	PROPN
cblr-1739	37	13	review	review	NOUN
cblr-1739	38	1	[	[	X
cblr-1739	38	2	vol	vol	NOUN
cblr-1739	38	3	.	.	NOUN
cblr-1739	38	4	2016	2016	NUM
cblr-1739	38	5	lives	life	NOUN
cblr-1739	38	6	and	and	CCONJ
cblr-1739	38	7	their	their	PRON
cblr-1739	38	8	likelihood	likelihood	NOUN
cblr-1739	38	9	for	for	ADP
cblr-1739	38	10	errors.3	errors.3	ADJ
cblr-1739	38	11	statutory	statutory	ADJ
cblr-1739	38	12	attempts	attempt	NOUN
cblr-1739	38	13	to	to	PART
cblr-1739	38	14	increase	increase	VERB
cblr-1739	38	15	transparency	transparency	NOUN
cblr-1739	38	16	and	and	CCONJ
cblr-1739	38	17	improve	improve	VERB
cblr-1739	38	18	the	the	DET
cblr-1739	38	19	scoring	scoring	NOUN
cblr-1739	38	20	regime	regime	NOUN
cblr-1739	38	21	ensued	ensue	VERB
cblr-1739	38	22	,	,	PUNCT
cblr-1739	38	23	the	the	DET
cblr-1739	38	24	most	most	ADV
cblr-1739	38	25	cited	cite	VERB
cblr-1739	38	26	of	of	ADP
cblr-1739	38	27	which	which	PRON
cblr-1739	38	28	are	be	AUX
cblr-1739	38	29	the	the	DET
cblr-1739	38	30	fair	fair	ADJ
cblr-1739	38	31	credit	credit	NOUN
cblr-1739	38	32	reporting	reporting	NOUN
cblr-1739	38	33	act	act	NOUN
cblr-1739	38	34	(	(	PUNCT
cblr-1739	38	35	“	"	PUNCT
cblr-1739	38	36	fcra”),4	fcra”),4	NOUN
cblr-1739	38	37	the	the	DET
cblr-1739	38	38	fair	fair	ADJ
cblr-1739	38	39	and	and	CCONJ
cblr-1739	38	40	accurate	accurate	ADJ
cblr-1739	38	41	credit	credit	NOUN
cblr-1739	38	42	transactions	transaction	NOUN
cblr-1739	38	43	act	act	NOUN
cblr-1739	38	44	(	(	PUNCT
cblr-1739	38	45	“	"	PUNCT
cblr-1739	38	46	facta”),5	facta”),5	NOUN
cblr-1739	38	47	and	and	CCONJ
cblr-1739	38	48	the	the	DET
cblr-1739	38	49	equal	equal	ADJ
cblr-1739	38	50	credit	credit	NOUN
cblr-1739	38	51	opportunity	opportunity	NOUN
cblr-1739	38	52	act	act	NOUN
cblr-1739	38	53	(	(	PUNCT
cblr-1739	38	54	“	"	PUNCT
cblr-1739	38	55	ecoa”).6	ecoa”).6	PROPN
cblr-1739	38	56	despite	despite	SCONJ
cblr-1739	38	57	legislative	legislative	ADJ
cblr-1739	38	58	initiatives	initiative	NOUN
cblr-1739	38	59	,	,	PUNCT
cblr-1739	38	60	challenges	challenge	NOUN
cblr-1739	38	61	remain	remain	VERB
cblr-1739	38	62	—	—	PUNCT
cblr-1739	38	63	nearly	nearly	ADV
cblr-1739	38	64	twenty	twenty	NUM
cblr-1739	38	65	percent	percent	NOUN
cblr-1739	38	66	of	of	ADP
cblr-1739	38	67	the	the	DET
cblr-1739	38	68	american	american	ADJ
cblr-1739	38	69	population	population	NOUN
cblr-1739	38	70	is	be	AUX
cblr-1739	38	71	financially	financially	ADV
cblr-1739	38	72	underserved	underserved	ADJ
cblr-1739	38	73	and	and	CCONJ
cblr-1739	38	74	disconnected	disconnect	VERB
cblr-1739	38	75	from	from	ADP
cblr-1739	38	76	the	the	DET
cblr-1739	38	77	mainstream	mainstream	ADJ
cblr-1739	38	78	financial	financial	ADJ
cblr-1739	38	79	system	system	NOUN
cblr-1739	38	80	in	in	ADP
cblr-1739	38	81	some	some	DET
cblr-1739	38	82	way.7	way.7	PROPN
cblr-1739	38	83	broad	broad	ADJ
cblr-1739	38	84	financial	financial	ADJ
cblr-1739	38	85	inclusion	inclusion	NOUN
cblr-1739	38	86	enables	enable	VERB
cblr-1739	38	87	economic	economic	ADJ
cblr-1739	38	88	growth	growth	NOUN
cblr-1739	38	89	by	by	ADP
cblr-1739	38	90	lessening	lessen	VERB
cblr-1739	38	91	poverty	poverty	NOUN
cblr-1739	38	92	while	while	SCONJ
cblr-1739	38	93	increasing	increase	VERB
cblr-1739	38	94	wealth	wealth	NOUN
cblr-1739	38	95	,	,	PUNCT
cblr-1739	38	96	and	and	CCONJ
cblr-1739	38	97	,	,	PUNCT
cblr-1739	38	98	more	more	ADV
cblr-1739	38	99	importantly	importantly	ADV
cblr-1739	38	100	,	,	PUNCT
cblr-1739	38	101	driving	drive	VERB
cblr-1739	38	102	profitability	profitability	NOUN
cblr-1739	38	103	.	.	PUNCT
cblr-1739	39	1	by	by	ADP
cblr-1739	39	2	providing	provide	VERB
cblr-1739	39	3	financial	financial	ADJ
cblr-1739	39	4	services	service	NOUN
cblr-1739	39	5	to	to	ADP
cblr-1739	39	6	the	the	DET
cblr-1739	39	7	underserved	underserved	ADJ
cblr-1739	39	8	,	,	PUNCT
cblr-1739	39	9	marketplace	marketplace	NOUN
cblr-1739	39	10	lenders	lender	NOUN
cblr-1739	39	11	have	have	AUX
cblr-1739	39	12	been	be	AUX
cblr-1739	39	13	tapping	tap	VERB
cblr-1739	39	14	into	into	ADP
cblr-1739	39	15	an	an	DET
cblr-1739	39	16	underutilized	underutilized	ADJ
cblr-1739	39	17	market	market	NOUN
cblr-1739	39	18	and	and	CCONJ
cblr-1739	39	19	successfully	successfully	ADV
cblr-1739	39	20	extracting	extract	VERB
cblr-1739	39	21	impressive	impressive	ADJ
cblr-1739	39	22	revenues.8	revenues.8	NOUN
cblr-1739	39	23	specifically	specifically	ADV
cblr-1739	39	24	,	,	PUNCT
cblr-1739	39	25	new	new	ADJ
cblr-1739	39	26	entrants	entrant	NOUN
cblr-1739	39	27	have	have	AUX
cblr-1739	39	28	challenged	challenge	VERB
cblr-1739	39	29	the	the	DET
cblr-1739	39	30	3	3	NUM
cblr-1739	39	31	see	see	VERB
cblr-1739	39	32	frank	frank	ADJ
cblr-1739	39	33	pasquale	pasquale	PROPN
cblr-1739	39	34	,	,	PUNCT
cblr-1739	39	35	restoring	restore	VERB
cblr-1739	39	36	transparency	transparency	NOUN
cblr-1739	39	37	to	to	ADP
cblr-1739	39	38	automated	automate	VERB
cblr-1739	39	39	authority	authority	NOUN
cblr-1739	39	40	,	,	PUNCT
cblr-1739	39	41	9	9	NUM
cblr-1739	39	42	j.	j.	NOUN
cblr-1739	39	43	on	on	ADP
cblr-1739	39	44	telecomm	telecomm	NOUN
cblr-1739	39	45	.	.	PUNCT
cblr-1739	40	1	&	&	CCONJ
cblr-1739	41	1	high	high	PROPN
cblr-1739	41	2	tech	tech	NOUN
cblr-1739	41	3	.	.	PUNCT
cblr-1739	42	1	l.	l.	PROPN
cblr-1739	42	2	235	235	NUM
cblr-1739	42	3	,	,	PUNCT
cblr-1739	42	4	248	248	NUM
cblr-1739	42	5	(	(	PUNCT
cblr-1739	42	6	2011	2011	NUM
cblr-1739	42	7	)	)	PUNCT
cblr-1739	42	8	(	(	PUNCT
cblr-1739	42	9	“	"	PUNCT
cblr-1739	42	10	[	[	X
cblr-1739	42	11	w]hile	w]hile	ADP
cblr-1739	42	12	a	a	DET
cblr-1739	42	13	‘	'	PUNCT
cblr-1739	42	14	credit	credit	NOUN
cblr-1739	42	15	score	score	NOUN
cblr-1739	42	16	is	be	AUX
cblr-1739	42	17	derived	derive	VERB
cblr-1739	42	18	after	after	ADP
cblr-1739	42	19	an	an	DET
cblr-1739	42	20	information	information	NOUN
cblr-1739	42	21	-	-	PUNCT
cblr-1739	42	22	gathering	gather	VERB
cblr-1739	42	23	process	process	NOUN
cblr-1739	42	24	that	that	PRON
cblr-1739	42	25	is	be	AUX
cblr-1739	42	26	anything	anything	PRON
cblr-1739	42	27	but	but	CCONJ
cblr-1739	42	28	rigorous	rigorous	ADJ
cblr-1739	42	29	,	,	PUNCT
cblr-1739	42	30	’	'	PUNCT
cblr-1739	42	31	it	it	PRON
cblr-1739	42	32	‘	'	PUNCT
cblr-1739	42	33	has	have	AUX
cblr-1739	42	34	become	become	VERB
cblr-1739	42	35	the	the	DET
cblr-1739	42	36	only	only	ADJ
cblr-1739	42	37	thing	thing	NOUN
cblr-1739	42	38	that	that	PRON
cblr-1739	42	39	matters	matter	VERB
cblr-1739	42	40	anymore	anymore	ADV
cblr-1739	42	41	to	to	ADP
cblr-1739	42	42	the	the	DET
cblr-1739	42	43	banks	bank	NOUN
cblr-1739	42	44	and	and	CCONJ
cblr-1739	42	45	other	other	ADJ
cblr-1739	42	46	institutions	institution	NOUN
cblr-1739	42	47	that	that	PRON
cblr-1739	42	48	underwrite	underwrite	VERB
cblr-1739	42	49	mortgages	mortgage	NOUN
cblr-1739	42	50	.	.	PUNCT
cblr-1739	42	51	’	'	PUNCT
cblr-1739	42	52	”	"	PUNCT
cblr-1739	42	53	)	)	PUNCT
cblr-1739	42	54	(	(	PUNCT
cblr-1739	42	55	quoting	quote	VERB
cblr-1739	42	56	joe	joe	PROPN
cblr-1739	42	57	nocera	nocera	PROPN
cblr-1739	42	58	,	,	PUNCT
cblr-1739	42	59	credit	credit	NOUN
cblr-1739	42	60	score	score	NOUN
cblr-1739	42	61	is	be	AUX
cblr-1739	42	62	the	the	DET
cblr-1739	42	63	tyrant	tyrant	NOUN
cblr-1739	42	64	in	in	ADP
cblr-1739	42	65	lending	lending	PROPN
cblr-1739	42	66	,	,	PUNCT
cblr-1739	42	67	n.y	n.y	PROPN
cblr-1739	42	68	.	.	PROPN
cblr-1739	42	69	times	times	PROPN
cblr-1739	42	70	(	(	PUNCT
cblr-1739	42	71	july	july	PROPN
cblr-1739	42	72	24	24	NUM
cblr-1739	42	73	,	,	PUNCT
cblr-1739	42	74	2010	2010	NUM
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cblr-1739	42	76	,	,	PUNCT
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cblr-1739	42	82	)	)	PUNCT
cblr-1739	42	83	.	.	PUNCT
cblr-1739	43	1	4	4	NUM
cblr-1739	43	2	fair	fair	ADJ
cblr-1739	43	3	credit	credit	NOUN
cblr-1739	43	4	reporting	reporting	NOUN
cblr-1739	43	5	act	act	NOUN
cblr-1739	43	6	,	,	PUNCT
cblr-1739	43	7	15	15	NUM
cblr-1739	43	8	u.s.c	u.s.c	ADJ
cblr-1739	43	9	.	.	PUNCT
cblr-1739	44	1	§	§	PROPN
cblr-1739	44	2	1681	1681	NUM
cblr-1739	44	3	(	(	PUNCT
cblr-1739	44	4	2012	2012	NUM
cblr-1739	44	5	)	)	PUNCT
cblr-1739	44	6	.	.	PUNCT
cblr-1739	45	1	5	5	NUM
cblr-1739	45	2	fair	fair	ADJ
cblr-1739	45	3	and	and	CCONJ
cblr-1739	45	4	accurate	accurate	ADJ
cblr-1739	45	5	credit	credit	NOUN
cblr-1739	45	6	transactions	transaction	NOUN
cblr-1739	45	7	act	act	NOUN
cblr-1739	45	8	(	(	PUNCT
cblr-1739	45	9	facta	facta	PROPN
cblr-1739	45	10	)	)	PUNCT
cblr-1739	45	11	of	of	ADP
cblr-1739	45	12	2003	2003	NUM
cblr-1739	45	13	,	,	PUNCT
cblr-1739	45	14	pub	pub	NOUN
cblr-1739	45	15	.	.	PUNCT
cblr-1739	46	1	l.	l.	PROPN
cblr-1739	46	2	no	no	INTJ
cblr-1739	46	3	.	.	PUNCT
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cblr-1739	47	2	,	,	PUNCT
cblr-1739	47	3	117	117	NUM
cblr-1739	47	4	stat	stat	NOUN
cblr-1739	47	5	.	.	PUNCT
cblr-1739	48	1	1952	1952	NUM
cblr-1739	48	2	(	(	PUNCT
cblr-1739	48	3	codified	codify	VERB
cblr-1739	48	4	as	as	SCONJ
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cblr-1739	48	6	across	across	ADP
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cblr-1739	48	8	of	of	ADP
cblr-1739	48	9	15	15	NUM
cblr-1739	48	10	u.s.c	u.s.c	ADJ
cblr-1739	48	11	.	.	PUNCT
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cblr-1739	49	1	(	(	PUNCT
cblr-1739	49	2	amending	amend	VERB
cblr-1739	49	3	the	the	DET
cblr-1739	49	4	fair	fair	ADJ
cblr-1739	49	5	credit	credit	NOUN
cblr-1739	49	6	reporting	reporting	NOUN
cblr-1739	49	7	act	act	NOUN
cblr-1739	49	8	of	of	ADP
cblr-1739	49	9	1970	1970	NUM
cblr-1739	49	10	)	)	PUNCT
cblr-1739	49	11	.	.	PUNCT
cblr-1739	50	1	6	6	NUM
cblr-1739	50	2	equal	equal	ADJ
cblr-1739	50	3	credit	credit	NOUN
cblr-1739	50	4	opportunity	opportunity	NOUN
cblr-1739	50	5	act	act	NOUN
cblr-1739	50	6	,	,	PUNCT
cblr-1739	50	7	15	15	NUM
cblr-1739	50	8	u.s.c	u.s.c	ADJ
cblr-1739	50	9	.	.	PUNCT
cblr-1739	51	1	§	§	PROPN
cblr-1739	51	2	1691	1691	NUM
cblr-1739	51	3	(	(	PUNCT
cblr-1739	51	4	2012	2012	NUM
cblr-1739	51	5	)	)	PUNCT
cblr-1739	51	6	.	.	PUNCT
cblr-1739	52	1	7	7	NUM
cblr-1739	52	2	see	see	VERB
cblr-1739	52	3	consumer	consumer	NOUN
cblr-1739	52	4	fin	fin	NOUN
cblr-1739	52	5	.	.	PUNCT
cblr-1739	53	1	prot	prot	PROPN
cblr-1739	53	2	.	.	PUNCT
cblr-1739	54	1	bureau	bureau	NOUN
cblr-1739	54	2	office	office	PROPN
cblr-1739	54	3	of	of	ADP
cblr-1739	54	4	research	research	NOUN
cblr-1739	54	5	,	,	PUNCT
cblr-1739	54	6	cfpb	cfpb	ADJ
cblr-1739	54	7	data	data	NOUN
cblr-1739	54	8	point	point	NOUN
cblr-1739	54	9	:	:	PUNCT
cblr-1739	54	10	credit	credit	NOUN
cblr-1739	54	11	invisibles	invisible	NOUN
cblr-1739	54	12	12–14	12–14	NUM
cblr-1739	54	13	(	(	PUNCT
cblr-1739	54	14	2015	2015	NUM
cblr-1739	54	15	)	)	PUNCT
cblr-1739	54	16	,	,	PUNCT
cblr-1739	54	17	http://files.consumerfinance.gov/f/	http://files.consumerfinance.gov/f/	VERB
cblr-1739	54	18	201505_cfpb_data-point-credit-invisibles.pdf	201505_cfpb_data-point-credit-invisibles.pdf	NOUN
cblr-1739	55	1	[	[	X
cblr-1739	55	2	http://perma.cc/zed2-6q76	http://perma.cc/zed2-6q76	AUX
cblr-1739	55	3	]	]	X
cblr-1739	55	4	(	(	PUNCT
cblr-1739	55	5	explaining	explain	VERB
cblr-1739	55	6	that	that	SCONJ
cblr-1739	55	7	19.4	19.4	NUM
cblr-1739	55	8	million	million	NUM
cblr-1739	55	9	americans	americans	PROPN
cblr-1739	55	10	have	have	VERB
cblr-1739	55	11	credit	credit	NOUN
cblr-1739	55	12	records	record	NOUN
cblr-1739	55	13	that	that	PRON
cblr-1739	55	14	can	can	AUX
cblr-1739	55	15	not	not	PART
cblr-1739	55	16	be	be	AUX
cblr-1739	55	17	scored	score	VERB
cblr-1739	55	18	and	and	CCONJ
cblr-1739	55	19	approximately	approximately	ADV
cblr-1739	55	20	26	26	NUM
cblr-1739	55	21	million	million	NUM
cblr-1739	55	22	other	other	ADJ
cblr-1739	55	23	americans	americans	PROPN
cblr-1739	55	24	do	do	AUX
cblr-1739	55	25	not	not	PART
cblr-1739	55	26	have	have	VERB
cblr-1739	55	27	credit	credit	NOUN
cblr-1739	55	28	records	record	NOUN
cblr-1739	55	29	)	)	PUNCT
cblr-1739	55	30	.	.	PUNCT
cblr-1739	56	1	for	for	ADP
cblr-1739	56	2	a	a	DET
cblr-1739	56	3	discussion	discussion	NOUN
cblr-1739	56	4	about	about	ADP
cblr-1739	56	5	the	the	DET
cblr-1739	56	6	banking	banking	NOUN
cblr-1739	56	7	abilities	ability	NOUN
cblr-1739	56	8	,	,	PUNCT
cblr-1739	56	9	or	or	CCONJ
cblr-1739	56	10	lack	lack	NOUN
cblr-1739	56	11	thereof	thereof	ADV
cblr-1739	56	12	,	,	PUNCT
cblr-1739	56	13	of	of	ADP
cblr-1739	56	14	the	the	DET
cblr-1739	56	15	poor	poor	ADJ
cblr-1739	56	16	,	,	PUNCT
cblr-1739	56	17	see	see	VERB
cblr-1739	56	18	michael	michael	PROPN
cblr-1739	56	19	s.	s.	PROPN
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cblr-1739	56	21	,	,	PUNCT
cblr-1739	56	22	banking	bank	VERB
cblr-1739	56	23	the	the	DET
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cblr-1739	56	25	,	,	PUNCT
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cblr-1739	56	28	j.	j.	PROPN
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cblr-1739	56	30	reg	reg	PROPN
cblr-1739	56	31	.	.	PROPN
cblr-1739	57	1	121	121	NUM
cblr-1739	57	2	,	,	PUNCT
cblr-1739	57	3	123	123	NUM
cblr-1739	57	4	(	(	PUNCT
cblr-1739	57	5	2004	2004	NUM
cblr-1739	57	6	)	)	PUNCT
cblr-1739	57	7	(	(	PUNCT
cblr-1739	57	8	discussing	discuss	VERB
cblr-1739	57	9	the	the	DET
cblr-1739	57	10	dual	dual	ADJ
cblr-1739	57	11	financial	financial	ADJ
cblr-1739	57	12	services	service	NOUN
cblr-1739	57	13	market	market	NOUN
cblr-1739	57	14	in	in	ADP
cblr-1739	57	15	which	which	PRON
cblr-1739	57	16	banks	bank	NOUN
cblr-1739	57	17	largely	largely	ADV
cblr-1739	57	18	serve	serve	VERB
cblr-1739	57	19	middleand	middleand	NUM
cblr-1739	57	20	upper	upper	ADJ
cblr-1739	57	21	-	-	PUNCT
cblr-1739	57	22	income	income	NOUN
cblr-1739	57	23	classes	class	NOUN
cblr-1739	57	24	,	,	PUNCT
cblr-1739	57	25	and	and	CCONJ
cblr-1739	57	26	check	check	VERB
cblr-1739	57	27	cashers	casher	NOUN
cblr-1739	57	28	and	and	CCONJ
cblr-1739	57	29	other	other	ADJ
cblr-1739	57	30	alternative	alternative	ADJ
cblr-1739	57	31	service	service	NOUN
cblr-1739	57	32	providers	provider	NOUN
cblr-1739	57	33	largely	largely	ADV
cblr-1739	57	34	serve	serve	VERB
cblr-1739	57	35	lowand	lowand	ADJ
cblr-1739	57	36	moderate	moderate	ADJ
cblr-1739	57	37	-	-	PUNCT
cblr-1739	57	38	income	income	NOUN
cblr-1739	57	39	classes	class	NOUN
cblr-1739	57	40	)	)	PUNCT
cblr-1739	57	41	.	.	PUNCT
cblr-1739	58	1	8	8	NUM
cblr-1739	58	2	see	see	VERB
cblr-1739	58	3	mal	mal	PROPN
cblr-1739	58	4	warwick	warwick	PROPN
cblr-1739	58	5	et	et	PROPN
cblr-1739	58	6	al	al	PROPN
cblr-1739	58	7	.	.	PROPN
cblr-1739	58	8	,	,	PUNCT
cblr-1739	58	9	do	do	AUX
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cblr-1739	58	12	expect	expect	VERB
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cblr-1739	58	15	?	?	PUNCT
cblr-1739	58	16	,	,	PUNCT
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cblr-1739	58	18	.	.	PUNCT
cblr-1739	59	1	soc	soc	PROPN
cblr-1739	59	2	.	.	PUNCT
cblr-1739	60	1	innovation	innovation	PROPN
cblr-1739	60	2	rev	rev	VERB
cblr-1739	60	3	.	.	PUNCT
cblr-1739	61	1	(	(	PUNCT
cblr-1739	61	2	jan	jan	PROPN
cblr-1739	61	3	.	.	PROPN
cblr-1739	61	4	7	7	NUM
cblr-1739	61	5	,	,	PUNCT
cblr-1739	61	6	2015	2015	NUM
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cblr-1739	61	8	,	,	PUNCT
cblr-1739	61	9	http://www.ssireview.org/blog/	http://www.ssireview.org/blog/	CCONJ
cblr-1739	61	10	geslevich	geslevich	PROPN
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cblr-1739	61	12	&	&	CCONJ
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cblr-1739	61	14	-	-	PUNCT
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cblr-1739	62	6	343	343	NUM
cblr-1739	62	7	existing	exist	VERB
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cblr-1739	62	10	by	by	ADP
cblr-1739	62	11	offering	offer	VERB
cblr-1739	62	12	loans	loan	NOUN
cblr-1739	62	13	based	base	VERB
cblr-1739	62	14	on	on	ADP
cblr-1739	62	15	new	new	ADJ
cblr-1739	62	16	datacentric	datacentric	ADJ
cblr-1739	62	17	underwriting	underwriting	NOUN
cblr-1739	62	18	methods	method	NOUN
cblr-1739	62	19	and	and	CCONJ
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cblr-1739	62	21	scoring	scoring	NOUN
cblr-1739	62	22	.	.	PUNCT
cblr-1739	63	1	these	these	DET
cblr-1739	63	2	entrants	entrant	NOUN
cblr-1739	63	3	found	find	VERB
cblr-1739	63	4	that	that	SCONJ
cblr-1739	63	5	a	a	DET
cblr-1739	63	6	person	person	NOUN
cblr-1739	63	7	’s	’s	PART
cblr-1739	63	8	shopping	shopping	NOUN
cblr-1739	63	9	habits	habit	NOUN
cblr-1739	63	10	,	,	PUNCT
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cblr-1739	63	12	way	way	NOUN
cblr-1739	63	13	an	an	DET
cblr-1739	63	14	individual	individual	ADJ
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cblr-1739	63	16	through	through	ADP
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cblr-1739	63	23	,	,	PUNCT
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cblr-1739	63	25	even	even	ADV
cblr-1739	63	26	a	a	DET
cblr-1739	63	27	purchase	purchase	NOUN
cblr-1739	63	28	of	of	ADP
cblr-1739	63	29	felt	feel	VERB
cblr-1739	63	30	pads	pad	NOUN
cblr-1739	63	31	,	,	PUNCT
cblr-1739	63	32	correlate	correlate	VERB
cblr-1739	63	33	with	with	ADP
cblr-1739	63	34	forecasted	forecast	VERB
cblr-1739	63	35	financial	financial	ADJ
cblr-1739	63	36	behavior.9	behavior.9	PROPN
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cblr-1739	63	39	,	,	PUNCT
cblr-1739	63	40	a	a	DET
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cblr-1739	63	44	-	-	PUNCT
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cblr-1739	63	50	,	,	PUNCT
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cblr-1739	63	61	.	.	PUNCT
cblr-1739	64	1	among	among	ADP
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cblr-1739	64	4	,	,	PUNCT
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cblr-1739	65	2	model	model	NOUN
cblr-1739	65	3	advances	advance	VERB
cblr-1739	65	4	the	the	DET
cblr-1739	65	5	idea	idea	NOUN
cblr-1739	65	6	that	that	SCONJ
cblr-1739	65	7	data	datum	NOUN
cblr-1739	65	8	collected	collect	VERB
cblr-1739	65	9	and	and	CCONJ
cblr-1739	65	10	analyzed	analyze	VERB
cblr-1739	65	11	should	should	AUX
cblr-1739	65	12	measure	measure	VERB
cblr-1739	65	13	character	character	NOUN
cblr-1739	65	14	,	,	PUNCT
cblr-1739	65	15	which	which	PRON
cblr-1739	65	16	john	john	PROPN
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cblr-1739	65	18	morgan	morgan	PROPN
cblr-1739	65	19	called	call	VERB
cblr-1739	65	20	the	the	DET
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cblr-1739	65	23	of	of	ADP
cblr-1739	65	24	creditworthiness	creditworthiness	PROPN
cblr-1739	65	25	a	a	DET
cblr-1739	65	26	century	century	NOUN
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cblr-1739	65	29	,	,	PUNCT
cblr-1739	65	30	in	in	ADP
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cblr-1739	65	32	sense	sense	NOUN
cblr-1739	65	33	,	,	PUNCT
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cblr-1739	65	35	through	through	ADP
cblr-1739	65	36	an	an	DET
cblr-1739	65	37	online	online	ADJ
cblr-1739	65	38	social	social	ADJ
cblr-1739	65	39	footprint	footprint	NOUN
cblr-1739	65	40	,	,	PUNCT
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cblr-1739	65	42	a	a	DET
cblr-1739	65	43	person	person	NOUN
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cblr-1739	65	46	social	social	ADJ
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cblr-1739	65	48	entry	entry	NOUN
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cblr-1739	66	1	[	[	X
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cblr-1739	66	10	a	a	DET
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cblr-1739	66	15	-	-	PUNCT
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cblr-1739	78	99	it	it	PRON
cblr-1739	78	100	as	as	ADV
cblr-1739	78	101	well	well	ADV
cblr-1739	78	102	.	.	PUNCT
cblr-1739	79	1	recently	recently	ADV
cblr-1739	79	2	,	,	PUNCT
cblr-1739	79	3	facebook	facebook	PROPN
cblr-1739	79	4	indicated	indicate	VERB
cblr-1739	79	5	clear	clear	ADJ
cblr-1739	79	6	interest	interest	NOUN
cblr-1739	79	7	in	in	ADP
cblr-1739	79	8	the	the	DET
cblr-1739	79	9	social	social	ADJ
cblr-1739	79	10	credit	credit	NOUN
cblr-1739	79	11	market	market	NOUN
cblr-1739	79	12	by	by	ADP
cblr-1739	79	13	registering	register	VERB
cblr-1739	79	14	a	a	DET
cblr-1739	79	15	patent	patent	NOUN
cblr-1739	79	16	on	on	ADP
cblr-1739	79	17	financial	financial	ADJ
cblr-1739	79	18	ranking	ranking	NOUN
cblr-1739	79	19	technology	technology	NOUN
cblr-1739	79	20	based	base	VERB
cblr-1739	79	21	on	on	ADP
cblr-1739	79	22	a	a	DET
cblr-1739	79	23	user	user	NOUN
cblr-1739	79	24	’s	’s	PART
cblr-1739	79	25	social	social	ADJ
cblr-1739	79	26	connections.14	connections.14	PROPN
cblr-1739	79	27	an	an	DET
cblr-1739	79	28	executive	executive	NOUN
cblr-1739	79	29	from	from	ADP
cblr-1739	79	30	fico	fico	PROPN
cblr-1739	79	31	,	,	PUNCT
cblr-1739	79	32	the	the	DET
cblr-1739	79	33	most	most	ADV
cblr-1739	79	34	dominant	dominant	ADJ
cblr-1739	79	35	u.s	u.s	PROPN
cblr-1739	79	36	.	.	PROPN
cblr-1739	79	37	provider	provider	NOUN
cblr-1739	79	38	of	of	ADP
cblr-1739	79	39	underwriting	underwriting	NOUN
cblr-1739	79	40	frameworks	framework	NOUN
cblr-1739	79	41	,	,	PUNCT
cblr-1739	79	42	recently	recently	ADV
cblr-1739	79	43	acknowledged	acknowledge	VERB
cblr-1739	79	44	the	the	DET
cblr-1739	79	45	predictive	predictive	ADJ
cblr-1739	79	46	value	value	NOUN
cblr-1739	79	47	of	of	ADP
cblr-1739	79	48	information	information	NOUN
cblr-1739	79	49	creditworthiness	creditworthiness	NOUN
cblr-1739	79	50	just	just	ADV
cblr-1739	79	51	as	as	SCONJ
cblr-1739	79	52	they	they	PRON
cblr-1739	79	53	are	be	AUX
cblr-1739	79	54	for	for	SCONJ
cblr-1739	79	55	propensity	propensity	NOUN
cblr-1739	79	56	to	to	PART
cblr-1739	79	57	smoke	smoke	VERB
cblr-1739	79	58	,	,	PUNCT
cblr-1739	79	59	be	be	AUX
cblr-1739	79	60	obese	obese	ADJ
cblr-1739	79	61	or	or	CCONJ
cblr-1739	79	62	promiscuous	promiscuous	ADJ
cblr-1739	79	63	.	.	PUNCT
cblr-1739	79	64	”	"	PUNCT
cblr-1739	79	65	)	)	PUNCT
cblr-1739	79	66	.	.	PUNCT
cblr-1739	80	1	12	12	NUM
cblr-1739	80	2	see	see	VERB
cblr-1739	80	3	i	i	PROPN
cblr-1739	80	4	d.	d.	PROPN
cblr-1739	80	5	(	(	PUNCT
cblr-1739	80	6	“	"	PUNCT
cblr-1739	80	7	[	[	X
cblr-1739	80	8	p]eople	p]eople	NOUN
cblr-1739	80	9	are	be	AUX
cblr-1739	80	10	more	more	ADV
cblr-1739	80	11	likely	likely	ADJ
cblr-1739	80	12	to	to	PART
cblr-1739	80	13	be	be	AUX
cblr-1739	80	14	better	well	ADJ
cblr-1739	80	15	borrowers	borrower	NOUN
cblr-1739	80	16	if	if	SCONJ
cblr-1739	80	17	they	they	PRON
cblr-1739	80	18	have	have	VERB
cblr-1739	80	19	friends	friend	NOUN
cblr-1739	80	20	who	who	PRON
cblr-1739	80	21	pay	pay	VERB
cblr-1739	80	22	back	back	ADP
cblr-1739	80	23	their	their	PRON
cblr-1739	80	24	loans	loan	NOUN
cblr-1739	80	25	on	on	ADP
cblr-1739	80	26	time	time	NOUN
cblr-1739	80	27	.	.	PUNCT
cblr-1739	80	28	”	"	PUNCT
cblr-1739	80	29	)	)	PUNCT
cblr-1739	80	30	13	13	NUM
cblr-1739	80	31	see	see	VERB
cblr-1739	80	32	tom	tom	PROPN
cblr-1739	80	33	groenfeldt	groenfeldt	PROPN
cblr-1739	80	34	,	,	PUNCT
cblr-1739	80	35	lenddo	lenddo	PROPN
cblr-1739	80	36	creates	create	VERB
cblr-1739	80	37	credit	credit	NOUN
cblr-1739	80	38	scores	score	NOUN
cblr-1739	80	39	using	use	VERB
cblr-1739	80	40	social	social	ADJ
cblr-1739	80	41	media	medium	NOUN
cblr-1739	80	42	,	,	PUNCT
cblr-1739	80	43	digitalist	digitalist	NOUN
cblr-1739	80	44	mag	mag	NOUN
cblr-1739	80	45	.	.	PUNCT
cblr-1739	81	1	(	(	PUNCT
cblr-1739	81	2	feb	feb	PROPN
cblr-1739	81	3	.	.	PROPN
cblr-1739	81	4	5	5	NUM
cblr-1739	81	5	,	,	PUNCT
cblr-1739	81	6	2015	2015	NUM
cblr-1739	81	7	)	)	PUNCT
cblr-1739	81	8	,	,	PUNCT
cblr-1739	81	9	http://www.digitalistmag.com/finan	http://www.digitalistmag.com/finan	X
cblr-1739	81	10	cial	cial	ADJ
cblr-1739	81	11	-	-	PUNCT
cblr-1739	81	12	management	management	NOUN
cblr-1739	81	13	/	/	SYM
cblr-1739	81	14	lenddo	lenddo	NOUN
cblr-1739	81	15	-	-	PUNCT
cblr-1739	81	16	creates	create	VERB
cblr-1739	81	17	-	-	PUNCT
cblr-1739	81	18	credit	credit	NOUN
cblr-1739	81	19	-	-	PUNCT
cblr-1739	81	20	scores	score	NOUN
cblr-1739	81	21	-	-	PUNCT
cblr-1739	81	22	using	use	VERB
cblr-1739	81	23	-	-	PUNCT
cblr-1739	81	24	social	social	ADJ
cblr-1739	81	25	-	-	PUNCT
cblr-1739	81	26	media-0215	media-0215	ADJ
cblr-1739	81	27	5945	5945	NUM
cblr-1739	81	28	[	[	X
cblr-1739	81	29	http://perma.cc/4tzh-ymz5	http://perma.cc/4tzh-ymz5	X
cblr-1739	81	30	]	]	X
cblr-1739	81	31	(	(	PUNCT
cblr-1739	81	32	describing	describe	VERB
cblr-1739	81	33	lenddo	lenddo	PROPN
cblr-1739	81	34	’s	’s	PART
cblr-1739	81	35	efforts	effort	NOUN
cblr-1739	81	36	to	to	PART
cblr-1739	81	37	use	use	VERB
cblr-1739	81	38	social	social	ADJ
cblr-1739	81	39	data	datum	NOUN
cblr-1739	81	40	to	to	PART
cblr-1739	81	41	help	help	VERB
cblr-1739	81	42	banks	bank	NOUN
cblr-1739	81	43	evaluate	evaluate	VERB
cblr-1739	81	44	lending	lending	NOUN
cblr-1739	81	45	candidates	candidate	NOUN
cblr-1739	81	46	)	)	PUNCT
cblr-1739	81	47	.	.	PUNCT
cblr-1739	82	1	14	14	NUM
cblr-1739	82	2	u.s	u.s	PROPN
cblr-1739	82	3	.	.	PROPN
cblr-1739	82	4	patent	patent	NOUN
cblr-1739	82	5	no	no	PROPN
cblr-1739	82	6	.	.	NOUN
cblr-1739	82	7	9,100,400	9,100,400	NUM
cblr-1739	82	8	(	(	PUNCT
cblr-1739	82	9	filed	file	VERB
cblr-1739	82	10	aug	aug	PROPN
cblr-1739	82	11	.	.	PROPN
cblr-1739	82	12	4	4	NUM
cblr-1739	82	13	,	,	PUNCT
cblr-1739	82	14	2015	2015	NUM
cblr-1739	82	15	)	)	PUNCT
cblr-1739	82	16	.	.	PUNCT
cblr-1739	83	1	facebook	facebook	PROPN
cblr-1739	83	2	’s	’s	PART
cblr-1739	83	3	interest	interest	NOUN
cblr-1739	83	4	in	in	ADP
cblr-1739	83	5	this	this	DET
cblr-1739	83	6	market	market	NOUN
cblr-1739	83	7	and	and	CCONJ
cblr-1739	83	8	such	such	DET
cblr-1739	83	9	a	a	DET
cblr-1739	83	10	patent	patent	NOUN
cblr-1739	83	11	resulted	result	VERB
cblr-1739	83	12	in	in	ADP
cblr-1739	83	13	much	much	ADJ
cblr-1739	83	14	discussion	discussion	NOUN
cblr-1739	83	15	about	about	ADP
cblr-1739	83	16	the	the	DET
cblr-1739	83	17	potential	potential	ADJ
cblr-1739	83	18	abilities	ability	NOUN
cblr-1739	83	19	of	of	ADP
cblr-1739	83	20	facebook	facebook	NOUN
cblr-1739	83	21	in	in	ADP
cblr-1739	83	22	the	the	DET
cblr-1739	83	23	future	future	NOUN
cblr-1739	83	24	.	.	PUNCT
cblr-1739	84	1	see	see	VERB
cblr-1739	84	2	,	,	PUNCT
cblr-1739	84	3	e.g.	e.g.	ADV
cblr-1739	84	4	,	,	PUNCT
cblr-1739	84	5	kevin	kevin	PROPN
cblr-1739	84	6	maney	maney	PROPN
cblr-1739	84	7	,	,	PUNCT
cblr-1739	84	8	facebook	facebook	PROPN
cblr-1739	84	9	could	could	AUX
cblr-1739	84	10	blow	blow	VERB
cblr-1739	84	11	up	up	ADP
cblr-1739	84	12	credit	credit	NOUN
cblr-1739	84	13	cards	card	NOUN
cblr-1739	84	14	and	and	CCONJ
cblr-1739	84	15	make	make	VERB
cblr-1739	84	16	loans	loan	NOUN
cblr-1739	84	17	to	to	ADP
cblr-1739	84	18	billions	billion	NOUN
cblr-1739	84	19	,	,	PUNCT
cblr-1739	84	20	newsweek	newsweek	PROPN
cblr-1739	84	21	(	(	PUNCT
cblr-1739	84	22	apr	apr	PROPN
cblr-1739	84	23	.	.	PROPN
cblr-1739	84	24	10	10	NUM
cblr-1739	84	25	,	,	PUNCT
cblr-1739	84	26	2016	2016	NUM
cblr-1739	84	27	)	)	PUNCT
cblr-1739	84	28	,	,	PUNCT
cblr-1739	85	1	http://europe.newsweek.com/facebookpayments-loans-credit-messenger-paypal-445675?rm=eu	http://europe.newsweek.com/facebookpayments-loans-credit-messenger-paypal-445675?rm=eu	PROPN
cblr-1739	85	2	[	[	X
cblr-1739	85	3	https://perma.cc/	https://perma.cc/	PROPN
cblr-1739	85	4	a7jp	a7jp	PUNCT
cblr-1739	85	5	-	-	PUNCT
cblr-1739	85	6	butv	butv	NOUN
cblr-1739	85	7	]	]	PUNCT
cblr-1739	85	8	(	(	PUNCT
cblr-1739	85	9	noting	note	VERB
cblr-1739	85	10	that	that	SCONJ
cblr-1739	85	11	“	"	PUNCT
cblr-1739	85	12	[	[	X
cblr-1739	85	13	i]f	i]f	X
cblr-1739	85	14	facebook	facebook	NOUN
cblr-1739	85	15	provides	provide	VERB
cblr-1739	85	16	you	you	PRON
cblr-1739	85	17	with	with	ADP
cblr-1739	85	18	the	the	DET
cblr-1739	85	19	ability	ability	NOUN
cblr-1739	85	20	to	to	PART
cblr-1739	85	21	pay	pay	VERB
cblr-1739	85	22	,	,	PUNCT
cblr-1739	85	23	starts	start	VERB
cblr-1739	85	24	collecting	collect	VERB
cblr-1739	85	25	your	your	PRON
cblr-1739	85	26	transaction	transaction	NOUN
cblr-1739	85	27	data	datum	NOUN
cblr-1739	85	28	and	and	CCONJ
cblr-1739	85	29	adds	add	VERB
cblr-1739	85	30	that	that	SCONJ
cblr-1739	85	31	to	to	ADP
cblr-1739	85	32	your	your	PRON
cblr-1739	85	33	social	social	ADJ
cblr-1739	85	34	data	datum	NOUN
cblr-1739	85	35	that	that	PRON
cblr-1739	85	36	already	already	ADV
cblr-1739	85	37	says	say	VERB
cblr-1739	85	38	a	a	DET
cblr-1739	85	39	lot	lot	NOUN
cblr-1739	85	40	about	about	ADP
cblr-1739	85	41	your	your	PRON
cblr-1739	85	42	character	character	NOUN
cblr-1739	85	43	—	—	PUNCT
cblr-1739	85	44	well	well	ADV
cblr-1739	85	45	,	,	PUNCT
cblr-1739	85	46	then	then	ADV
cblr-1739	85	47	facebook	facebook	PROPN
cblr-1739	85	48	will	will	AUX
cblr-1739	85	49	have	have	VERB
cblr-1739	85	50	the	the	DET
cblr-1739	85	51	kind	kind	NOUN
cblr-1739	85	52	of	of	ADP
cblr-1739	85	53	information	information	NOUN
cblr-1739	85	54	it	it	PRON
cblr-1739	85	55	needs	need	VERB
cblr-1739	85	56	to	to	PART
cblr-1739	85	57	become	become	VERB
cblr-1739	85	58	a	a	DET
cblr-1739	85	59	stand	stand	VERB
cblr-1739	85	60	-	-	PUNCT
cblr-1739	85	61	alone	alone	ADJ
cblr-1739	85	62	credit	credit	NOUN
cblr-1739	85	63	card	card	NOUN
cblr-1739	85	64	company	company	NOUN
cblr-1739	85	65	.	.	PUNCT
cblr-1739	85	66	”	"	PUNCT
cblr-1739	86	1	the	the	DET
cblr-1739	86	2	article	article	NOUN
cblr-1739	86	3	further	far	ADV
cblr-1739	86	4	explains	explain	VERB
cblr-1739	86	5	that	that	SCONJ
cblr-1739	86	6	this	this	PRON
cblr-1739	86	7	would	would	AUX
cblr-1739	86	8	allow	allow	VERB
cblr-1739	86	9	facebook	facebook	NOUN
cblr-1739	86	10	to	to	PART
cblr-1739	86	11	“	"	PUNCT
cblr-1739	86	12	jettison	jettison	VERB
cblr-1739	86	13	visa	visa	NOUN
cblr-1739	86	14	,	,	PUNCT
cblr-1739	86	15	mastercard	mastercard	PROPN
cblr-1739	86	16	and	and	CCONJ
cblr-1739	86	17	fico	fico	NOUN
cblr-1739	86	18	scores	score	NOUN
cblr-1739	86	19	and	and	CCONJ
cblr-1739	86	20	directly	directly	ADV
cblr-1739	86	21	offer	offer	VERB
cblr-1739	86	22	you	you	PRON
cblr-1739	86	23	credit	credit	NOUN
cblr-1739	86	24	based	base	VERB
cblr-1739	86	25	on	on	ADP
cblr-1739	86	26	everything	everything	PRON
cblr-1739	86	27	its	its	PRON
cblr-1739	86	28	machines	machine	NOUN
cblr-1739	86	29	can	can	AUX
cblr-1739	86	30	learn	learn	VERB
cblr-1739	86	31	about	about	ADP
cblr-1739	86	32	you	you	PRON
cblr-1739	86	33	—	—	PUNCT
cblr-1739	86	34	while	while	SCONJ
cblr-1739	86	35	charging	charge	VERB
cblr-1739	86	36	much	much	ADV
cblr-1739	86	37	lower	low	ADJ
cblr-1739	86	38	interest	interest	NOUN
cblr-1739	86	39	rates	rate	NOUN
cblr-1739	86	40	and	and	CCONJ
cblr-1739	86	41	cheaper	cheap	ADJ
cblr-1739	86	42	fees	fee	NOUN
cblr-1739	86	43	than	than	ADP
cblr-1739	86	44	current	current	ADJ
cblr-1739	86	45	cards	card	NOUN
cblr-1739	86	46	.	.	PUNCT
cblr-1739	87	1	it	it	PRON
cblr-1739	87	2	would	would	AUX
cblr-1739	87	3	be	be	AUX
cblr-1739	87	4	free	free	ADJ
cblr-1739	87	5	from	from	ADP
cblr-1739	87	6	all	all	DET
cblr-1739	87	7	the	the	DET
cblr-1739	87	8	costly	costly	ADJ
cblr-1739	87	9	infrastructure	infrastructure	NOUN
cblr-1739	87	10	and	and	CCONJ
cblr-1739	87	11	middlemen	middleman	NOUN
cblr-1739	87	12	now	now	ADV
cblr-1739	87	13	involved	involve	VERB
cblr-1739	87	14	in	in	ADP
cblr-1739	87	15	credit	credit	NOUN
cblr-1739	87	16	cards	card	NOUN
cblr-1739	87	17	.	.	PUNCT
cblr-1739	87	18	”	"	PUNCT
cblr-1739	88	1	)	)	PUNCT
cblr-1739	88	2	geslevich	geslevich	PROPN
cblr-1739	88	3	packin	packin	PROPN
cblr-1739	88	4	&	&	CCONJ
cblr-1739	88	5	lev	lev	PROPN
cblr-1739	88	6	-	-	PUNCT
cblr-1739	88	7	aretz	aretz	PROPN
cblr-1739	88	8	–	–	PUNCT
cblr-1739	88	9	final	final	ADJ
cblr-1739	88	10	no	no	NOUN
cblr-1739	88	11	.	.	PUNCT
cblr-1739	89	1	2:339	2:339	NUM
cblr-1739	89	2	]	]	X
cblr-1739	89	3	on	on	ADP
cblr-1739	89	4	social	social	ADJ
cblr-1739	89	5	credit	credit	NOUN
cblr-1739	89	6	345	345	NUM
cblr-1739	89	7	volunteered	volunteer	VERB
cblr-1739	89	8	on	on	ADP
cblr-1739	89	9	social	social	ADJ
cblr-1739	89	10	media	medium	NOUN
cblr-1739	89	11	platforms.15	platforms.15	NOUN
cblr-1739	89	12	in	in	ADP
cblr-1739	89	13	addition	addition	NOUN
cblr-1739	89	14	,	,	PUNCT
cblr-1739	89	15	creditreporting	creditreporting	NOUN
cblr-1739	89	16	agency	agency	NOUN
cblr-1739	89	17	experian	experian	NOUN
cblr-1739	89	18	will	will	AUX
cblr-1739	89	19	soon	soon	ADV
cblr-1739	89	20	begin	begin	VERB
cblr-1739	89	21	implementing	implement	VERB
cblr-1739	89	22	a	a	DET
cblr-1739	89	23	business	business	NOUN
cblr-1739	89	24	loan	loan	NOUN
cblr-1739	89	25	program	program	NOUN
cblr-1739	89	26	that	that	PRON
cblr-1739	89	27	uses	use	VERB
cblr-1739	89	28	data	datum	NOUN
cblr-1739	89	29	from	from	ADP
cblr-1739	89	30	social	social	ADJ
cblr-1739	89	31	networks	network	NOUN
cblr-1739	89	32	and	and	CCONJ
cblr-1739	89	33	media	medium	NOUN
cblr-1739	89	34	sources.16	sources.16	PROPN
cblr-1739	89	35	the	the	DET
cblr-1739	89	36	social	social	ADJ
cblr-1739	89	37	credit	credit	NOUN
cblr-1739	89	38	model	model	NOUN
cblr-1739	89	39	uses	use	VERB
cblr-1739	89	40	troves	trove	NOUN
cblr-1739	89	41	of	of	ADP
cblr-1739	89	42	personal	personal	ADJ
cblr-1739	89	43	consumer	consumer	NOUN
cblr-1739	89	44	information	information	NOUN
cblr-1739	89	45	,	,	PUNCT
cblr-1739	89	46	conveniently	conveniently	ADV
cblr-1739	89	47	volunteered	volunteer	VERB
cblr-1739	89	48	by	by	ADP
cblr-1739	89	49	the	the	DET
cblr-1739	89	50	ultimate	ultimate	ADJ
cblr-1739	89	51	source	source	NOUN
cblr-1739	89	52	—	—	PUNCT
cblr-1739	89	53	the	the	DET
cblr-1739	89	54	consumer	consumer	NOUN
cblr-1739	89	55	herself	herself	PRON
cblr-1739	89	56	.	.	PUNCT
cblr-1739	90	1	recent	recent	ADJ
cblr-1739	90	2	studies	study	NOUN
cblr-1739	90	3	show	show	VERB
cblr-1739	90	4	that	that	SCONJ
cblr-1739	90	5	offering	offer	VERB
cblr-1739	90	6	financial	financial	ADJ
cblr-1739	90	7	incentives	incentive	NOUN
cblr-1739	90	8	drives	drive	VERB
cblr-1739	90	9	many	many	ADJ
cblr-1739	90	10	to	to	PART
cblr-1739	90	11	disclose	disclose	VERB
cblr-1739	90	12	information	information	NOUN
cblr-1739	90	13	about	about	ADP
cblr-1739	90	14	themselves	themselves	PRON
cblr-1739	90	15	and	and	CCONJ
cblr-1739	90	16	their	their	PRON
cblr-1739	90	17	social	social	ADJ
cblr-1739	90	18	world	world	NOUN
cblr-1739	90	19	with	with	ADP
cblr-1739	90	20	little	little	ADJ
cblr-1739	90	21	consideration	consideration	NOUN
cblr-1739	90	22	given	give	VERB
cblr-1739	90	23	to	to	ADP
cblr-1739	90	24	possible	possible	ADJ
cblr-1739	90	25	consequences	consequence	NOUN
cblr-1739	90	26	of	of	ADP
cblr-1739	90	27	sharing.17	sharing.17	ADJ
cblr-1739	90	28	social	social	ADJ
cblr-1739	90	29	credit	credit	NOUN
cblr-1739	90	30	systems	system	NOUN
cblr-1739	90	31	are	be	AUX
cblr-1739	90	32	thus	thus	ADV
cblr-1739	90	33	likely	likely	ADJ
cblr-1739	90	34	to	to	PART
cblr-1739	90	35	demonstrate	demonstrate	VERB
cblr-1739	90	36	continuous	continuous	ADJ
cblr-1739	90	37	growth	growth	NOUN
cblr-1739	90	38	and	and	CCONJ
cblr-1739	90	39	move	move	VERB
cblr-1739	90	40	from	from	ADP
cblr-1739	90	41	fringe	fringe	NOUN
cblr-1739	90	42	to	to	ADP
cblr-1739	90	43	mainstream	mainstream	NOUN
cblr-1739	90	44	lending	lending	NOUN
cblr-1739	90	45	institutions	institution	NOUN
cblr-1739	90	46	.	.	PUNCT
cblr-1739	91	1	as	as	ADP
cblr-1739	91	2	a	a	DET
cblr-1739	91	3	result	result	NOUN
cblr-1739	91	4	,	,	PUNCT
cblr-1739	91	5	consumers	consumer	NOUN
cblr-1739	91	6	’	'	PUNCT
cblr-1739	91	7	behavior	behavior	NOUN
cblr-1739	91	8	must	must	AUX
cblr-1739	91	9	adapt	adapt	VERB
cblr-1739	91	10	to	to	ADP
cblr-1739	91	11	the	the	DET
cblr-1739	91	12	new	new	ADJ
cblr-1739	91	13	set	set	NOUN
cblr-1739	91	14	of	of	ADP
cblr-1739	91	15	social	social	ADJ
cblr-1739	91	16	creditworthiness	creditworthiness	PROPN
cblr-1739	91	17	measurement	measurement	NOUN
cblr-1739	91	18	standards.18	standards.18	PROPN
cblr-1739	91	19	assuming	assume	VERB
cblr-1739	91	20	consumer	consumer	NOUN
cblr-1739	91	21	behavior	behavior	NOUN
cblr-1739	91	22	does	do	AUX
cblr-1739	91	23	adapt	adapt	VERB
cblr-1739	91	24	,	,	PUNCT
cblr-1739	91	25	this	this	DET
cblr-1739	91	26	article	article	NOUN
cblr-1739	91	27	proposes	propose	VERB
cblr-1739	91	28	rational	rational	ADJ
cblr-1739	91	29	individuals	individual	NOUN
cblr-1739	91	30	will	will	AUX
cblr-1739	91	31	react	react	VERB
cblr-1739	91	32	in	in	ADP
cblr-1739	91	33	one	one	NUM
cblr-1739	91	34	of	of	ADP
cblr-1739	91	35	two	two	NUM
cblr-1739	91	36	ways	way	NOUN
cblr-1739	91	37	:	:	PUNCT
cblr-1739	91	38	one	one	NUM
cblr-1739	91	39	group	group	NOUN
cblr-1739	91	40	,	,	PUNCT
cblr-1739	91	41	labeled	label	VERB
cblr-1739	91	42	type	type	NOUN
cblr-1739	91	43	a	a	PRON
cblr-1739	91	44	,	,	PUNCT
cblr-1739	91	45	maximizes	maximize	VERB
cblr-1739	91	46	its	its	PRON
cblr-1739	91	47	utility	utility	NOUN
cblr-1739	91	48	by	by	ADP
cblr-1739	91	49	avoiding	avoid	VERB
cblr-1739	91	50	online	online	ADJ
cblr-1739	91	51	social	social	ADJ
cblr-1739	91	52	associations	association	NOUN
cblr-1739	91	53	or	or	CCONJ
cblr-1739	91	54	consciously	consciously	ADV
cblr-1739	91	55	refusing	refuse	VERB
cblr-1739	91	56	to	to	PART
cblr-1739	91	57	exhibit	exhibit	VERB
cblr-1739	91	58	a	a	DET
cblr-1739	91	59	15	15	NUM
cblr-1739	91	60	ben	ben	PROPN
cblr-1739	91	61	mclannahan	mclannahan	PROPN
cblr-1739	91	62	,	,	PUNCT
cblr-1739	91	63	being	be	AUX
cblr-1739	91	64	‘	'	PUNCT
cblr-1739	91	65	wasted	waste	VERB
cblr-1739	91	66	’	'	PUNCT
cblr-1739	91	67	on	on	ADP
cblr-1739	91	68	facebook	facebook	PROPN
cblr-1739	91	69	may	may	AUX
cblr-1739	91	70	damage	damage	VERB
cblr-1739	91	71	your	your	PRON
cblr-1739	91	72	credit	credit	NOUN
cblr-1739	91	73	score	score	NOUN
cblr-1739	91	74	,	,	PUNCT
cblr-1739	91	75	fin	fin	NOUN
cblr-1739	92	1	.	.	PUNCT
cblr-1739	92	2	times	times	PROPN
cblr-1739	92	3	(	(	PUNCT
cblr-1739	92	4	oct	oct	PROPN
cblr-1739	92	5	.	.	PROPN
cblr-1739	92	6	15	15	NUM
cblr-1739	92	7	,	,	PUNCT
cblr-1739	92	8	2015	2015	NUM
cblr-1739	92	9	)	)	PUNCT
cblr-1739	92	10	,	,	PUNCT
cblr-1739	92	11	http://www.ft.com/cms/s/0/d6dae	http://www.ft.com/cms/s/0/d6dae	NOUN
cblr-1739	92	12	dee-706a-11e5-9b9e-690fdae72044.html	dee-706a-11e5-9b9e-690fdae72044.html	VERB
cblr-1739	92	13	[	[	X
cblr-1739	92	14	http://perma.cc/q34z-9zdq	http://perma.cc/q34z-9zdq	NOUN
cblr-1739	92	15	]	]	X
cblr-1739	92	16	(	(	PUNCT
cblr-1739	92	17	“	"	PUNCT
cblr-1739	92	18	if	if	SCONJ
cblr-1739	92	19	you	you	PRON
cblr-1739	92	20	look	look	VERB
cblr-1739	92	21	at	at	ADP
cblr-1739	92	22	how	how	SCONJ
cblr-1739	92	23	many	many	ADJ
cblr-1739	92	24	times	time	NOUN
cblr-1739	92	25	a	a	DET
cblr-1739	92	26	person	person	NOUN
cblr-1739	92	27	says	say	VERB
cblr-1739	92	28	‘	'	PUNCT
cblr-1739	92	29	wasted	waste	VERB
cblr-1739	92	30	’	'	PUNCT
cblr-1739	92	31	in	in	ADP
cblr-1739	92	32	their	their	PRON
cblr-1739	92	33	profile	profile	NOUN
cblr-1739	92	34	,	,	PUNCT
cblr-1739	92	35	it	it	PRON
cblr-1739	92	36	has	have	VERB
cblr-1739	92	37	some	some	DET
cblr-1739	92	38	value	value	NOUN
cblr-1739	92	39	in	in	ADP
cblr-1739	92	40	predicting	predict	VERB
cblr-1739	92	41	whether	whether	SCONJ
cblr-1739	92	42	they	they	PRON
cblr-1739	92	43	’re	’re	AUX
cblr-1739	92	44	going	go	VERB
cblr-1739	92	45	to	to	PART
cblr-1739	92	46	repay	repay	VERB
cblr-1739	92	47	their	their	PRON
cblr-1739	92	48	debt	debt	NOUN
cblr-1739	92	49	.	.	PUNCT
cblr-1739	92	50	”	"	PUNCT
cblr-1739	93	1	(	(	PUNCT
cblr-1739	93	2	quoting	quote	VERB
cblr-1739	93	3	fico	fico	PROPN
cblr-1739	93	4	ceo	ceo	PROPN
cblr-1739	93	5	will	will	AUX
cblr-1739	93	6	lansing	lansing	PROPN
cblr-1739	93	7	)	)	PUNCT
cblr-1739	93	8	)	)	PUNCT
cblr-1739	93	9	.	.	PUNCT
cblr-1739	94	1	16	16	NUM
cblr-1739	94	2	see	see	VERB
cblr-1739	94	3	kery	kery	NOUN
cblr-1739	94	4	murakami	murakami	NOUN
cblr-1739	94	5	,	,	PUNCT
cblr-1739	94	6	use	use	NOUN
cblr-1739	94	7	of	of	ADP
cblr-1739	94	8	facebook	facebook	NOUN
cblr-1739	94	9	‘	'	PUNCT
cblr-1739	94	10	likes	like	NOUN
cblr-1739	94	11	’	'	PUNCT
cblr-1739	94	12	in	in	ADP
cblr-1739	94	13	lending	lending	NOUN
cblr-1739	94	14	decisions	decision	NOUN
cblr-1739	94	15	raises	raise	VERB
cblr-1739	94	16	concerns	concern	NOUN
cblr-1739	94	17	,	,	PUNCT
cblr-1739	94	18	banking	banking	NOUN
cblr-1739	94	19	daily	daily	ADJ
cblr-1739	94	20	(	(	PUNCT
cblr-1739	94	21	bna	bna	PROPN
cblr-1739	94	22	)	)	PUNCT
cblr-1739	94	23	(	(	PUNCT
cblr-1739	94	24	nov	nov	PROPN
cblr-1739	94	25	.	.	PROPN
cblr-1739	94	26	3	3	NUM
cblr-1739	94	27	,	,	PUNCT
cblr-1739	94	28	2015	2015	NUM
cblr-1739	94	29	)	)	PUNCT
cblr-1739	94	30	(	(	PUNCT
cblr-1739	94	31	describing	describe	VERB
cblr-1739	94	32	experian	experian	NOUN
cblr-1739	94	33	’s	’s	PART
cblr-1739	94	34	new	new	ADJ
cblr-1739	94	35	business	business	NOUN
cblr-1739	94	36	loan	loan	NOUN
cblr-1739	94	37	program	program	NOUN
cblr-1739	94	38	that	that	SCONJ
cblr-1739	94	39	“	"	PUNCT
cblr-1739	94	40	may	may	AUX
cblr-1739	94	41	factor	factor	VERB
cblr-1739	94	42	in	in	ADP
cblr-1739	94	43	data	datum	NOUN
cblr-1739	94	44	from	from	ADP
cblr-1739	94	45	yelp	yelp	NOUN
cblr-1739	94	46	,	,	PUNCT
cblr-1739	94	47	facebook	facebook	NOUN
cblr-1739	94	48	,	,	PUNCT
cblr-1739	94	49	twitter	twitter	NOUN
cblr-1739	94	50	,	,	PUNCT
cblr-1739	94	51	and	and	CCONJ
cblr-1739	94	52	foursquare	foursquare	VERB
cblr-1739	94	53	to	to	PART
cblr-1739	94	54	compare	compare	VERB
cblr-1739	94	55	a	a	DET
cblr-1739	94	56	business	business	NOUN
cblr-1739	94	57	with	with	ADP
cblr-1739	94	58	others	other	NOUN
cblr-1739	94	59	of	of	ADP
cblr-1739	94	60	the	the	DET
cblr-1739	94	61	same	same	ADJ
cblr-1739	94	62	type	type	NOUN
cblr-1739	94	63	”	"	PUNCT
cblr-1739	94	64	)	)	PUNCT
cblr-1739	94	65	.	.	PUNCT
cblr-1739	95	1	17	17	NUM
cblr-1739	95	2	see	see	VERB
cblr-1739	95	3	,	,	PUNCT
cblr-1739	95	4	e.g.	e.g.	ADV
cblr-1739	95	5	,	,	PUNCT
cblr-1739	95	6	scott	scott	PROPN
cblr-1739	95	7	r.	r.	PROPN
cblr-1739	95	8	peppet	peppet	PROPN
cblr-1739	95	9	,	,	PUNCT
cblr-1739	95	10	unraveling	unravel	VERB
cblr-1739	95	11	privacy	privacy	NOUN
cblr-1739	95	12	:	:	PUNCT
cblr-1739	95	13	the	the	DET
cblr-1739	95	14	personal	personal	ADJ
cblr-1739	95	15	prospectus	prospectus	NOUN
cblr-1739	95	16	and	and	CCONJ
cblr-1739	95	17	the	the	DET
cblr-1739	95	18	threat	threat	NOUN
cblr-1739	95	19	of	of	ADP
cblr-1739	95	20	a	a	DET
cblr-1739	95	21	full	full	ADJ
cblr-1739	95	22	disclosure	disclosure	NOUN
cblr-1739	95	23	future	future	NOUN
cblr-1739	95	24	,	,	PUNCT
cblr-1739	95	25	105	105	NUM
cblr-1739	95	26	nw	nw	X
cblr-1739	95	27	.	.	PUNCT
cblr-1739	95	28	u.	u.	PROPN
cblr-1739	95	29	l.	l.	PROPN
cblr-1739	95	30	rev	rev	PROPN
cblr-1739	95	31	.	.	PROPN
cblr-1739	95	32	1153	1153	NUM
cblr-1739	95	33	,	,	PUNCT
cblr-1739	95	34	1157–58	1157–58	NUM
cblr-1739	95	35	(	(	PUNCT
cblr-1739	95	36	2011	2011	NUM
cblr-1739	95	37	)	)	PUNCT
cblr-1739	95	38	(	(	PUNCT
cblr-1739	95	39	“	"	PUNCT
cblr-1739	95	40	[	[	X
cblr-1739	95	41	i]f	i]f	ADP
cblr-1739	95	42	some	some	DET
cblr-1739	95	43	individuals	individual	NOUN
cblr-1739	95	44	stand	stand	VERB
cblr-1739	95	45	to	to	PART
cblr-1739	95	46	benefit	benefit	VERB
cblr-1739	95	47	by	by	ADP
cblr-1739	95	48	revealing	reveal	VERB
cblr-1739	95	49	a	a	DET
cblr-1739	95	50	favorable	favorable	ADJ
cblr-1739	95	51	value	value	NOUN
cblr-1739	95	52	of	of	ADP
cblr-1739	95	53	some	some	DET
cblr-1739	95	54	trait	trait	NOUN
cblr-1739	95	55	,	,	PUNCT
cblr-1739	95	56	others	other	NOUN
cblr-1739	95	57	will	will	AUX
cblr-1739	95	58	be	be	AUX
cblr-1739	95	59	forced	force	VERB
cblr-1739	95	60	to	to	PART
cblr-1739	95	61	disclose	disclose	VERB
cblr-1739	95	62	their	their	PRON
cblr-1739	95	63	less	less	ADV
cblr-1739	95	64	favorable	favorable	ADJ
cblr-1739	95	65	values	value	NOUN
cblr-1739	95	66	.	.	PUNCT
cblr-1739	95	67	”	"	PUNCT
cblr-1739	96	1	(	(	PUNCT
cblr-1739	96	2	quoting	quote	VERB
cblr-1739	96	3	robert	robert	PROPN
cblr-1739	96	4	h.	h.	PROPN
cblr-1739	96	5	frank	frank	PROPN
cblr-1739	96	6	,	,	PUNCT
cblr-1739	96	7	passions	passion	NOUN
cblr-1739	96	8	within	within	ADP
cblr-1739	96	9	reason	reason	NOUN
cblr-1739	96	10	104	104	NUM
cblr-1739	96	11	(	(	PUNCT
cblr-1739	96	12	1988	1988	NUM
cblr-1739	96	13	)	)	PUNCT
cblr-1739	96	14	)	)	PUNCT
cblr-1739	96	15	.	.	PUNCT
cblr-1739	97	1	18	18	NUM
cblr-1739	97	2	erik	erik	PROPN
cblr-1739	97	3	f.	f.	PROPN
cblr-1739	97	4	gerding	gerding	PROPN
cblr-1739	97	5	,	,	PUNCT
cblr-1739	97	6	code	code	NOUN
cblr-1739	97	7	,	,	PUNCT
cblr-1739	97	8	crash	crash	NOUN
cblr-1739	97	9	,	,	PUNCT
cblr-1739	97	10	and	and	CCONJ
cblr-1739	97	11	open	open	ADJ
cblr-1739	97	12	source	source	NOUN
cblr-1739	97	13	:	:	PUNCT
cblr-1739	97	14	the	the	DET
cblr-1739	97	15	outsourcing	outsourcing	NOUN
cblr-1739	97	16	of	of	ADP
cblr-1739	97	17	financial	financial	ADJ
cblr-1739	97	18	regulation	regulation	NOUN
cblr-1739	97	19	to	to	PART
cblr-1739	97	20	risk	risk	NOUN
cblr-1739	97	21	models	model	NOUN
cblr-1739	97	22	and	and	CCONJ
cblr-1739	97	23	the	the	DET
cblr-1739	97	24	global	global	ADJ
cblr-1739	97	25	financial	financial	ADJ
cblr-1739	97	26	crisis	crisis	NOUN
cblr-1739	97	27	,	,	PUNCT
cblr-1739	97	28	84	84	NUM
cblr-1739	97	29	wash	wash	NOUN
cblr-1739	97	30	.	.	PUNCT
cblr-1739	98	1	l.	l.	PROPN
cblr-1739	98	2	rev	rev	PROPN
cblr-1739	98	3	.	.	PROPN
cblr-1739	99	1	127	127	NUM
cblr-1739	99	2	,	,	PUNCT
cblr-1739	99	3	179	179	NUM
cblr-1739	99	4	(	(	PUNCT
cblr-1739	99	5	2009	2009	NUM
cblr-1739	99	6	)	)	PUNCT
cblr-1739	99	7	(	(	PUNCT
cblr-1739	99	8	“	"	PUNCT
cblr-1739	99	9	individuals	individual	NOUN
cblr-1739	99	10	adapt	adapt	VERB
cblr-1739	99	11	to	to	ADP
cblr-1739	99	12	the	the	DET
cblr-1739	99	13	behavior	behavior	NOUN
cblr-1739	99	14	of	of	ADP
cblr-1739	99	15	other	other	ADJ
cblr-1739	99	16	players	player	NOUN
cblr-1739	99	17	in	in	ADP
cblr-1739	99	18	the	the	DET
cblr-1739	99	19	market	market	NOUN
cblr-1739	99	20	.	.	PUNCT
cblr-1739	100	1	individuals	individual	NOUN
cblr-1739	100	2	also	also	ADV
cblr-1739	100	3	adapt	adapt	VERB
cblr-1739	100	4	to	to	ADP
cblr-1739	100	5	the	the	DET
cblr-1739	100	6	set	set	NOUN
cblr-1739	100	7	of	of	ADP
cblr-1739	100	8	legal	legal	ADJ
cblr-1739	100	9	rules	rule	NOUN
cblr-1739	100	10	designed	design	VERB
cblr-1739	100	11	to	to	PART
cblr-1739	100	12	constrain	constrain	VERB
cblr-1739	100	13	their	their	PRON
cblr-1739	100	14	behavior	behavior	NOUN
cblr-1739	100	15	.	.	PUNCT
cblr-1739	100	16	”	"	PUNCT
cblr-1739	100	17	)	)	PUNCT
cblr-1739	100	18	.	.	PUNCT
cblr-1739	101	1	geslevich	geslevich	PROPN
cblr-1739	101	2	packin	packin	PROPN
cblr-1739	101	3	&	&	CCONJ
cblr-1739	101	4	lev	lev	PROPN
cblr-1739	101	5	-	-	PUNCT
cblr-1739	101	6	aretz	aretz	PROPN
cblr-1739	101	7	–	–	PUNCT
cblr-1739	101	8	final	final	ADJ
cblr-1739	101	9	346	346	NUM
cblr-1739	101	10	columbia	columbia	PROPN
cblr-1739	101	11	business	business	NOUN
cblr-1739	101	12	law	law	NOUN
cblr-1739	101	13	review	review	NOUN
cblr-1739	101	14	[	[	X
cblr-1739	101	15	vol	vol	NOUN
cblr-1739	101	16	.	.	PUNCT
cblr-1739	101	17	2016	2016	NUM
cblr-1739	101	18	better	well	ADJ
cblr-1739	101	19	online	online	ADJ
cblr-1739	101	20	social	social	ADJ
cblr-1739	101	21	persona	persona	NOUN
cblr-1739	101	22	.	.	PUNCT
cblr-1739	102	1	they	they	PRON
cblr-1739	102	2	prioritize	prioritize	VERB
cblr-1739	102	3	privacy	privacy	NOUN
cblr-1739	102	4	or	or	CCONJ
cblr-1739	102	5	other	other	ADJ
cblr-1739	102	6	interests	interest	NOUN
cblr-1739	102	7	above	above	ADP
cblr-1739	102	8	the	the	DET
cblr-1739	102	9	benefits	benefit	NOUN
cblr-1739	102	10	obtained	obtain	VERB
cblr-1739	102	11	from	from	ADP
cblr-1739	102	12	social	social	ADJ
cblr-1739	102	13	networks	network	NOUN
cblr-1739	102	14	,	,	PUNCT
cblr-1739	102	15	including	include	VERB
cblr-1739	102	16	the	the	DET
cblr-1739	102	17	prospect	prospect	NOUN
cblr-1739	102	18	of	of	ADP
cblr-1739	102	19	a	a	DET
cblr-1739	102	20	better	well	ADJ
cblr-1739	102	21	financial	financial	ADJ
cblr-1739	102	22	deal	deal	NOUN
cblr-1739	102	23	.	.	PUNCT
cblr-1739	103	1	type	type	VERB
cblr-1739	103	2	a	a	DET
cblr-1739	103	3	individuals	individual	NOUN
cblr-1739	103	4	are	be	AUX
cblr-1739	103	5	likely	likely	ADJ
cblr-1739	103	6	to	to	PART
cblr-1739	103	7	be	be	AUX
cblr-1739	103	8	wealthy	wealthy	ADJ
cblr-1739	103	9	individuals	individual	NOUN
cblr-1739	103	10	,	,	PUNCT
cblr-1739	103	11	who	who	PRON
cblr-1739	103	12	can	can	AUX
cblr-1739	103	13	afford	afford	VERB
cblr-1739	103	14	to	to	PART
cblr-1739	103	15	pay	pay	VERB
cblr-1739	103	16	more	more	ADJ
cblr-1739	103	17	to	to	PART
cblr-1739	103	18	maintain	maintain	VERB
cblr-1739	103	19	their	their	PRON
cblr-1739	103	20	privacy	privacy	NOUN
cblr-1739	103	21	or	or	CCONJ
cblr-1739	103	22	other	other	ADJ
cblr-1739	103	23	values	value	NOUN
cblr-1739	103	24	.	.	PUNCT
cblr-1739	104	1	the	the	DET
cblr-1739	104	2	second	second	ADJ
cblr-1739	104	3	group	group	NOUN
cblr-1739	104	4	of	of	ADP
cblr-1739	104	5	rational	rational	ADJ
cblr-1739	104	6	consumers	consumer	NOUN
cblr-1739	104	7	,	,	PUNCT
cblr-1739	104	8	referred	refer	VERB
cblr-1739	104	9	to	to	ADP
cblr-1739	104	10	as	as	ADP
cblr-1739	104	11	type	type	NOUN
cblr-1739	104	12	b	b	NOUN
cblr-1739	104	13	,	,	PUNCT
cblr-1739	104	14	acts	act	VERB
cblr-1739	104	15	to	to	PART
cblr-1739	104	16	improve	improve	VERB
cblr-1739	104	17	its	its	PRON
cblr-1739	104	18	online	online	ADJ
cblr-1739	104	19	social	social	ADJ
cblr-1739	104	20	image	image	NOUN
cblr-1739	104	21	by	by	ADP
cblr-1739	104	22	deleting	delete	VERB
cblr-1739	104	23	contacts	contact	NOUN
cblr-1739	104	24	that	that	PRON
cblr-1739	104	25	could	could	AUX
cblr-1739	104	26	potentially	potentially	ADV
cblr-1739	104	27	damage	damage	VERB
cblr-1739	104	28	its	its	PRON
cblr-1739	104	29	credit	credit	NOUN
cblr-1739	104	30	score	score	NOUN
cblr-1739	104	31	.	.	PUNCT
cblr-1739	105	1	later	later	ADV
cblr-1739	105	2	,	,	PUNCT
cblr-1739	105	3	type	type	NOUN
cblr-1739	105	4	b	b	NOUN
cblr-1739	105	5	individuals	individual	NOUN
cblr-1739	105	6	also	also	ADV
cblr-1739	105	7	limit	limit	VERB
cblr-1739	105	8	new	new	ADJ
cblr-1739	105	9	online	online	ADJ
cblr-1739	105	10	social	social	ADJ
cblr-1739	105	11	interactions	interaction	NOUN
cblr-1739	105	12	only	only	ADV
cblr-1739	105	13	to	to	ADP
cblr-1739	105	14	links	link	NOUN
cblr-1739	105	15	not	not	PART
cblr-1739	105	16	perceived	perceive	VERB
cblr-1739	105	17	as	as	ADP
cblr-1739	105	18	financially	financially	ADV
cblr-1739	105	19	problematic	problematic	ADJ
cblr-1739	105	20	.	.	PUNCT
cblr-1739	106	1	evidence	evidence	NOUN
cblr-1739	106	2	from	from	ADP
cblr-1739	106	3	different	different	ADJ
cblr-1739	106	4	markets	market	NOUN
cblr-1739	106	5	,	,	PUNCT
cblr-1739	106	6	in	in	ADP
cblr-1739	106	7	which	which	PRON
cblr-1739	106	8	online	online	ADJ
cblr-1739	106	9	social	social	ADJ
cblr-1739	106	10	impressions	impression	NOUN
cblr-1739	106	11	factor	factor	NOUN
cblr-1739	106	12	into	into	ADP
cblr-1739	106	13	the	the	DET
cblr-1739	106	14	decision	decision	NOUN
cblr-1739	106	15	-	-	PUNCT
cblr-1739	106	16	making	make	VERB
cblr-1739	106	17	process	process	NOUN
cblr-1739	106	18	,	,	PUNCT
cblr-1739	106	19	suggests	suggest	VERB
cblr-1739	106	20	rational	rational	ADJ
cblr-1739	106	21	individuals	individual	NOUN
cblr-1739	106	22	would	would	AUX
cblr-1739	106	23	attempt	attempt	VERB
cblr-1739	106	24	to	to	PART
cblr-1739	106	25	better	better	VERB
cblr-1739	106	26	their	their	PRON
cblr-1739	106	27	positions	position	NOUN
cblr-1739	106	28	by	by	ADP
cblr-1739	106	29	artificially	artificially	ADV
cblr-1739	106	30	enhancing	enhance	VERB
cblr-1739	106	31	their	their	PRON
cblr-1739	106	32	online	online	ADJ
cblr-1739	106	33	reputations.19	reputations.19	NOUN
cblr-1739	106	34	individuals	individual	NOUN
cblr-1739	106	35	know	know	VERB
cblr-1739	106	36	their	their	PRON
cblr-1739	106	37	exhibited	exhibit	VERB
cblr-1739	106	38	online	online	ADJ
cblr-1739	106	39	behavior	behavior	NOUN
cblr-1739	106	40	is	be	AUX
cblr-1739	106	41	observable	observable	ADJ
cblr-1739	106	42	and	and	CCONJ
cblr-1739	106	43	could	could	AUX
cblr-1739	106	44	spoil	spoil	VERB
cblr-1739	106	45	their	their	PRON
cblr-1739	106	46	chances	chance	NOUN
cblr-1739	106	47	of	of	ADP
cblr-1739	106	48	being	be	AUX
cblr-1739	106	49	admitted	admit	VERB
cblr-1739	106	50	to	to	ADP
cblr-1739	106	51	an	an	DET
cblr-1739	106	52	academic	academic	ADJ
cblr-1739	106	53	institution	institution	NOUN
cblr-1739	106	54	,	,	PUNCT
cblr-1739	106	55	hired	hire	VERB
cblr-1739	106	56	for	for	ADP
cblr-1739	106	57	a	a	DET
cblr-1739	106	58	job	job	NOUN
cblr-1739	106	59	,	,	PUNCT
cblr-1739	106	60	or	or	CCONJ
cblr-1739	106	61	compensated	compensate	VERB
cblr-1739	106	62	by	by	ADP
cblr-1739	106	63	an	an	DET
cblr-1739	106	64	insurance	insurance	NOUN
cblr-1739	106	65	company	company	NOUN
cblr-1739	106	66	.	.	PUNCT
cblr-1739	107	1	these	these	DET
cblr-1739	107	2	rational	rational	ADJ
cblr-1739	107	3	actors	actor	NOUN
cblr-1739	107	4	react	react	VERB
cblr-1739	107	5	by	by	ADP
cblr-1739	107	6	limiting	limit	VERB
cblr-1739	107	7	access	access	NOUN
cblr-1739	107	8	to	to	ADP
cblr-1739	107	9	their	their	PRON
cblr-1739	107	10	online	online	ADJ
cblr-1739	107	11	profiles	profile	NOUN
cblr-1739	107	12	,	,	PUNCT
cblr-1739	107	13	cleaning	clean	VERB
cblr-1739	107	14	up	up	ADP
cblr-1739	107	15	their	their	PRON
cblr-1739	107	16	profiles	profile	NOUN
cblr-1739	107	17	,	,	PUNCT
cblr-1739	107	18	using	use	VERB
cblr-1739	107	19	different	different	ADJ
cblr-1739	107	20	names	name	NOUN
cblr-1739	107	21	,	,	PUNCT
cblr-1739	107	22	and	and	CCONJ
cblr-1739	107	23	even	even	ADV
cblr-1739	107	24	creating	create	VERB
cblr-1739	107	25	entirely	entirely	ADV
cblr-1739	107	26	new	new	ADJ
cblr-1739	107	27	accounts	account	NOUN
cblr-1739	107	28	tailored	tailor	VERB
cblr-1739	107	29	specifically	specifically	ADV
cblr-1739	107	30	to	to	ADP
cblr-1739	107	31	the	the	DET
cblr-1739	107	32	image	image	NOUN
cblr-1739	107	33	they	they	PRON
cblr-1739	107	34	wish	wish	VERB
cblr-1739	107	35	to	to	ADP
cblr-1739	107	36	display.20	display.20	PROPN
cblr-1739	107	37	19	19	NUM
cblr-1739	107	38	see	see	VERB
cblr-1739	107	39	infra	infra	NOUN
cblr-1739	107	40	parts	part	NOUN
cblr-1739	107	41	iii.b.1	iii.b.1	X
cblr-1739	107	42	&	&	CCONJ
cblr-1739	107	43	iii.b.2	iii.b.2	PROPN
cblr-1739	107	44	(	(	PUNCT
cblr-1739	107	45	noting	note	VERB
cblr-1739	107	46	that	that	SCONJ
cblr-1739	107	47	individuals	individual	NOUN
cblr-1739	107	48	often	often	ADV
cblr-1739	107	49	attempt	attempt	VERB
cblr-1739	107	50	to	to	PART
cblr-1739	107	51	improve	improve	VERB
cblr-1739	107	52	their	their	PRON
cblr-1739	107	53	positions	position	NOUN
cblr-1739	107	54	and	and	CCONJ
cblr-1739	107	55	harness	harness	ADJ
cblr-1739	107	56	various	various	ADJ
cblr-1739	107	57	systems	system	NOUN
cblr-1739	107	58	to	to	ADP
cblr-1739	107	59	their	their	PRON
cblr-1739	107	60	advantage	advantage	NOUN
cblr-1739	107	61	)	)	PUNCT
cblr-1739	107	62	.	.	PUNCT
cblr-1739	108	1	as	as	SCONJ
cblr-1739	108	2	the	the	DET
cblr-1739	108	3	examples	example	NOUN
cblr-1739	108	4	discussed	discuss	VERB
cblr-1739	108	5	infra	infra	NOUN
cblr-1739	108	6	show	show	NOUN
cblr-1739	108	7	,	,	PUNCT
cblr-1739	108	8	the	the	DET
cblr-1739	108	9	use	use	NOUN
cblr-1739	108	10	of	of	ADP
cblr-1739	108	11	social	social	ADJ
cblr-1739	108	12	information	information	NOUN
cblr-1739	108	13	as	as	ADP
cblr-1739	108	14	evidence	evidence	NOUN
cblr-1739	108	15	of	of	ADP
cblr-1739	108	16	skills	skill	NOUN
cblr-1739	108	17	,	,	PUNCT
cblr-1739	108	18	status	status	NOUN
cblr-1739	108	19	,	,	PUNCT
cblr-1739	108	20	or	or	CCONJ
cblr-1739	108	21	occurrences	occurrence	NOUN
cblr-1739	108	22	is	be	AUX
cblr-1739	108	23	a	a	DET
cblr-1739	108	24	growing	grow	VERB
cblr-1739	108	25	and	and	CCONJ
cblr-1739	108	26	significant	significant	ADJ
cblr-1739	108	27	phenomenon	phenomenon	NOUN
cblr-1739	108	28	.	.	PUNCT
cblr-1739	109	1	while	while	SCONJ
cblr-1739	109	2	it	it	PRON
cblr-1739	109	3	could	could	AUX
cblr-1739	109	4	be	be	AUX
cblr-1739	109	5	the	the	DET
cblr-1739	109	6	focus	focus	NOUN
cblr-1739	109	7	of	of	ADP
cblr-1739	109	8	future	future	ADJ
cblr-1739	109	9	follow	follow	VERB
cblr-1739	109	10	-	-	PUNCT
cblr-1739	109	11	up	up	ADP
cblr-1739	109	12	research	research	NOUN
cblr-1739	109	13	,	,	PUNCT
cblr-1739	109	14	this	this	DET
cblr-1739	109	15	article	article	NOUN
cblr-1739	109	16	focuses	focus	VERB
cblr-1739	109	17	on	on	ADP
cblr-1739	109	18	social	social	ADJ
cblr-1739	109	19	credit	credit	NOUN
cblr-1739	109	20	,	,	PUNCT
cblr-1739	109	21	and	and	CCONJ
cblr-1739	109	22	only	only	ADV
cblr-1739	109	23	briefly	briefly	NOUN
cblr-1739	109	24	reviews	review	VERB
cblr-1739	109	25	other	other	ADJ
cblr-1739	109	26	social	social	ADJ
cblr-1739	109	27	ranking	rank	VERB
cblr-1739	109	28	trends	trend	NOUN
cblr-1739	109	29	and	and	CCONJ
cblr-1739	109	30	the	the	DET
cblr-1739	109	31	reactions	reaction	NOUN
cblr-1739	109	32	to	to	ADP
cblr-1739	109	33	them	they	PRON
cblr-1739	109	34	.	.	PUNCT
cblr-1739	110	1	for	for	ADP
cblr-1739	110	2	more	more	ADJ
cblr-1739	110	3	about	about	ADP
cblr-1739	110	4	“	"	PUNCT
cblr-1739	110	5	reputational	reputational	ADJ
cblr-1739	110	6	systems	system	NOUN
cblr-1739	110	7	”	"	PUNCT
cblr-1739	110	8	and	and	CCONJ
cblr-1739	110	9	the	the	DET
cblr-1739	110	10	risk	risk	NOUN
cblr-1739	110	11	they	they	PRON
cblr-1739	110	12	pose	pose	VERB
cblr-1739	110	13	,	,	PUNCT
cblr-1739	110	14	see	see	VERB
cblr-1739	110	15	frank	frank	ADJ
cblr-1739	110	16	pasquale	pasquale	PROPN
cblr-1739	110	17	,	,	PUNCT
cblr-1739	110	18	reputation	reputation	NOUN
cblr-1739	110	19	regulation	regulation	NOUN
cblr-1739	110	20	:	:	PUNCT
cblr-1739	110	21	disclosure	disclosure	NOUN
cblr-1739	110	22	and	and	CCONJ
cblr-1739	110	23	the	the	DET
cblr-1739	110	24	challenge	challenge	NOUN
cblr-1739	110	25	of	of	ADP
cblr-1739	110	26	clandestinely	clandestinely	ADV
cblr-1739	110	27	commensurating	commensurate	VERB
cblr-1739	110	28	computing	computing	NOUN
cblr-1739	110	29	,	,	PUNCT
cblr-1739	110	30	in	in	ADP
cblr-1739	110	31	the	the	DET
cblr-1739	110	32	offensive	offensive	ADJ
cblr-1739	110	33	internet	internet	NOUN
cblr-1739	110	34	,	,	PUNCT
cblr-1739	110	35	privacy	privacy	NOUN
cblr-1739	110	36	,	,	PUNCT
cblr-1739	110	37	speech	speech	NOUN
cblr-1739	110	38	,	,	PUNCT
cblr-1739	110	39	and	and	CCONJ
cblr-1739	110	40	reputation	reputation	NOUN
cblr-1739	110	41	(	(	PUNCT
cblr-1739	110	42	saul	saul	PROPN
cblr-1739	110	43	levmore	levmore	PROPN
cblr-1739	110	44	&	&	CCONJ
cblr-1739	110	45	martha	martha	PROPN
cblr-1739	110	46	c.	c.	PROPN
cblr-1739	110	47	nussbaum	nussbaum	PROPN
cblr-1739	110	48	eds	eds	PROPN
cblr-1739	110	49	.	.	PROPN
cblr-1739	110	50	,	,	PUNCT
cblr-1739	110	51	2010	2010	NUM
cblr-1739	110	52	)	)	PUNCT
cblr-1739	110	53	.	.	PUNCT
cblr-1739	111	1	see	see	VERB
cblr-1739	111	2	infra	infra	NOUN
cblr-1739	111	3	text	text	NOUN
cblr-1739	111	4	accompanying	accompanying	ADJ
cblr-1739	111	5	notes	note	NOUN
cblr-1739	111	6	152–68	152–68	NUM
cblr-1739	111	7	(	(	PUNCT
cblr-1739	111	8	describing	describe	VERB
cblr-1739	111	9	the	the	DET
cblr-1739	111	10	use	use	NOUN
cblr-1739	111	11	of	of	ADP
cblr-1739	111	12	social	social	ADJ
cblr-1739	111	13	information	information	NOUN
cblr-1739	111	14	by	by	ADP
cblr-1739	111	15	academic	academic	ADJ
cblr-1739	111	16	institutions	institution	NOUN
cblr-1739	111	17	,	,	PUNCT
cblr-1739	111	18	human	human	ADJ
cblr-1739	111	19	resource	resource	NOUN
cblr-1739	111	20	departments	department	NOUN
cblr-1739	111	21	,	,	PUNCT
cblr-1739	111	22	and	and	CCONJ
cblr-1739	111	23	insurance	insurance	NOUN
cblr-1739	111	24	companies	company	NOUN
cblr-1739	111	25	to	to	PART
cblr-1739	111	26	evaluate	evaluate	VERB
cblr-1739	111	27	individuals	individual	NOUN
cblr-1739	111	28	)	)	PUNCT
cblr-1739	111	29	.	.	PUNCT
cblr-1739	112	1	20	20	NUM
cblr-1739	112	2	see	see	VERB
cblr-1739	112	3	infra	infra	NOUN
cblr-1739	112	4	text	text	NOUN
cblr-1739	112	5	accompanying	accompanying	ADJ
cblr-1739	112	6	notes	note	NOUN
cblr-1739	112	7	154–55	154–55	NUM
cblr-1739	112	8	(	(	PUNCT
cblr-1739	112	9	discussing	discuss	VERB
cblr-1739	112	10	a	a	DET
cblr-1739	112	11	recent	recent	ADJ
cblr-1739	112	12	study	study	NOUN
cblr-1739	112	13	that	that	PRON
cblr-1739	112	14	found	find	VERB
cblr-1739	112	15	many	many	ADJ
cblr-1739	112	16	students	student	NOUN
cblr-1739	112	17	delete	delete	VERB
cblr-1739	112	18	or	or	CCONJ
cblr-1739	112	19	edit	edit	VERB
cblr-1739	112	20	their	their	PRON
cblr-1739	112	21	social	social	ADJ
cblr-1739	112	22	media	medium	NOUN
cblr-1739	112	23	accounts	account	NOUN
cblr-1739	112	24	to	to	PART
cblr-1739	112	25	improve	improve	VERB
cblr-1739	112	26	their	their	PRON
cblr-1739	112	27	admission	admission	NOUN
cblr-1739	112	28	prospects	prospect	NOUN
cblr-1739	112	29	)	)	PUNCT
cblr-1739	112	30	.	.	PUNCT
cblr-1739	113	1	geslevich	geslevich	PROPN
cblr-1739	113	2	packin	packin	PROPN
cblr-1739	113	3	&	&	CCONJ
cblr-1739	113	4	lev	lev	PROPN
cblr-1739	113	5	-	-	PUNCT
cblr-1739	113	6	aretz	aretz	PROPN
cblr-1739	113	7	–	–	PUNCT
cblr-1739	113	8	final	final	ADJ
cblr-1739	113	9	no	no	NOUN
cblr-1739	113	10	.	.	PUNCT
cblr-1739	114	1	2:339	2:339	NUM
cblr-1739	114	2	]	]	X
cblr-1739	114	3	on	on	ADP
cblr-1739	114	4	social	social	ADJ
cblr-1739	114	5	credit	credit	NOUN
cblr-1739	114	6	347	347	NUM
cblr-1739	114	7	however	however	ADV
cblr-1739	114	8	,	,	PUNCT
cblr-1739	114	9	cognitive	cognitive	ADJ
cblr-1739	114	10	bias	bias	NOUN
cblr-1739	114	11	affects	affect	VERB
cblr-1739	114	12	some	some	DET
cblr-1739	114	13	people	people	NOUN
cblr-1739	114	14	and	and	CCONJ
cblr-1739	114	15	they	they	PRON
cblr-1739	114	16	depart	depart	VERB
cblr-1739	114	17	from	from	ADP
cblr-1739	114	18	rational	rational	ADJ
cblr-1739	114	19	choice	choice	NOUN
cblr-1739	114	20	behavior.21	behavior.21	NOUN
cblr-1739	114	21	by	by	ADP
cblr-1739	114	22	acting	act	VERB
cblr-1739	114	23	irrationally	irrationally	ADV
cblr-1739	114	24	,	,	PUNCT
cblr-1739	114	25	those	those	DET
cblr-1739	114	26	individuals	individual	NOUN
cblr-1739	114	27	fail	fail	VERB
cblr-1739	114	28	to	to	PART
cblr-1739	114	29	maximize	maximize	VERB
cblr-1739	114	30	their	their	PRON
cblr-1739	114	31	utility	utility	NOUN
cblr-1739	114	32	and	and	CCONJ
cblr-1739	114	33	are	be	AUX
cblr-1739	114	34	subject	subject	ADJ
cblr-1739	114	35	to	to	ADP
cblr-1739	114	36	greater	great	ADJ
cblr-1739	114	37	transaction	transaction	NOUN
cblr-1739	114	38	costs.22	costs.22	NOUN
cblr-1739	114	39	cognitive	cognitive	ADJ
cblr-1739	114	40	bias	bias	NOUN
cblr-1739	114	41	gives	give	VERB
cblr-1739	114	42	rise	rise	NOUN
cblr-1739	114	43	to	to	ADP
cblr-1739	114	44	two	two	NUM
cblr-1739	114	45	additional	additional	ADJ
cblr-1739	114	46	types	type	NOUN
cblr-1739	114	47	of	of	ADP
cblr-1739	114	48	groups	group	NOUN
cblr-1739	114	49	;	;	PUNCT
cblr-1739	114	50	the	the	DET
cblr-1739	114	51	first	first	ADJ
cblr-1739	114	52	,	,	PUNCT
cblr-1739	114	53	type	type	NOUN
cblr-1739	114	54	c	c	NOUN
cblr-1739	114	55	individuals	individual	NOUN
cblr-1739	114	56	,	,	PUNCT
cblr-1739	114	57	are	be	AUX
cblr-1739	114	58	the	the	DET
cblr-1739	114	59	irrational	irrational	ADJ
cblr-1739	114	60	reflection	reflection	NOUN
cblr-1739	114	61	of	of	ADP
cblr-1739	114	62	type	type	NOUN
cblr-1739	114	63	a	a	DET
cblr-1739	114	64	individuals	individual	NOUN
cblr-1739	114	65	.	.	PUNCT
cblr-1739	115	1	they	they	PRON
cblr-1739	115	2	,	,	PUNCT
cblr-1739	115	3	too	too	ADV
cblr-1739	115	4	,	,	PUNCT
cblr-1739	115	5	are	be	AUX
cblr-1739	115	6	social	social	ADJ
cblr-1739	115	7	network	network	NOUN
cblr-1739	115	8	avoiders	avoider	NOUN
cblr-1739	115	9	or	or	CCONJ
cblr-1739	115	10	social	social	ADJ
cblr-1739	115	11	networkers	networker	NOUN
cblr-1739	115	12	that	that	PRON
cblr-1739	115	13	would	would	AUX
cblr-1739	115	14	not	not	PART
cblr-1739	115	15	attempt	attempt	VERB
cblr-1739	115	16	to	to	PART
cblr-1739	115	17	improve	improve	VERB
cblr-1739	115	18	their	their	PRON
cblr-1739	115	19	online	online	ADJ
cblr-1739	115	20	social	social	ADJ
cblr-1739	115	21	reflection	reflection	NOUN
cblr-1739	115	22	.	.	PUNCT
cblr-1739	116	1	but	but	CCONJ
cblr-1739	116	2	unlike	unlike	ADP
cblr-1739	116	3	type	type	NOUN
cblr-1739	116	4	a	a	DET
cblr-1739	116	5	individuals	individual	NOUN
cblr-1739	116	6	,	,	PUNCT
cblr-1739	116	7	whose	whose	DET
cblr-1739	116	8	choice	choice	NOUN
cblr-1739	116	9	is	be	AUX
cblr-1739	116	10	rationally	rationally	ADV
cblr-1739	116	11	calculated	calculate	VERB
cblr-1739	116	12	,	,	PUNCT
cblr-1739	116	13	type	type	NOUN
cblr-1739	116	14	c	c	NOUN
cblr-1739	116	15	individuals	individual	NOUN
cblr-1739	116	16	are	be	AUX
cblr-1739	116	17	irrationally	irrationally	ADV
cblr-1739	116	18	lazy	lazy	ADJ
cblr-1739	116	19	,	,	PUNCT
cblr-1739	116	20	passive	passive	ADJ
cblr-1739	116	21	,	,	PUNCT
cblr-1739	116	22	or	or	CCONJ
cblr-1739	116	23	otherwise	otherwise	ADV
cblr-1739	116	24	lacking	lack	VERB
cblr-1739	116	25	understanding	understanding	NOUN
cblr-1739	116	26	of	of	ADP
cblr-1739	116	27	technological	technological	ADJ
cblr-1739	116	28	advancement	advancement	NOUN
cblr-1739	116	29	.	.	PUNCT
cblr-1739	117	1	they	they	PRON
cblr-1739	117	2	would	would	AUX
cblr-1739	117	3	not	not	PART
cblr-1739	117	4	break	break	VERB
cblr-1739	117	5	away	away	ADV
cblr-1739	117	6	from	from	ADP
cblr-1739	117	7	harmful	harmful	ADJ
cblr-1739	117	8	contacts	contact	NOUN
cblr-1739	117	9	and	and	CCONJ
cblr-1739	117	10	would	would	AUX
cblr-1739	117	11	refrain	refrain	VERB
cblr-1739	117	12	from	from	ADP
cblr-1739	117	13	guiding	guide	VERB
cblr-1739	117	14	their	their	PRON
cblr-1739	117	15	online	online	ADJ
cblr-1739	117	16	socialization	socialization	NOUN
cblr-1739	117	17	to	to	PART
cblr-1739	117	18	improve	improve	VERB
cblr-1739	117	19	their	their	PRON
cblr-1739	117	20	credit	credit	NOUN
cblr-1739	117	21	scores	score	NOUN
cblr-1739	117	22	.	.	PUNCT
cblr-1739	118	1	composed	compose	VERB
cblr-1739	118	2	of	of	ADP
cblr-1739	118	3	social	social	ADJ
cblr-1739	118	4	network	network	NOUN
cblr-1739	118	5	avoiders	avoider	NOUN
cblr-1739	118	6	,	,	PUNCT
cblr-1739	118	7	type	type	NOUN
cblr-1739	118	8	d	d	NOUN
cblr-1739	118	9	individuals	individual	NOUN
cblr-1739	118	10	exemplify	exemplify	VERB
cblr-1739	118	11	an	an	DET
cblr-1739	118	12	additional	additional	ADJ
cblr-1739	118	13	set	set	NOUN
cblr-1739	118	14	of	of	ADP
cblr-1739	118	15	irrational	irrational	ADJ
cblr-1739	118	16	behaviors	behavior	NOUN
cblr-1739	118	17	.	.	PUNCT
cblr-1739	119	1	type	type	NOUN
cblr-1739	119	2	d	d	NOUN
cblr-1739	119	3	individuals	individual	NOUN
cblr-1739	119	4	avoid	avoid	VERB
cblr-1739	119	5	the	the	DET
cblr-1739	119	6	network	network	NOUN
cblr-1739	119	7	to	to	PART
cblr-1739	119	8	conceal	conceal	VERB
cblr-1739	119	9	information	information	NOUN
cblr-1739	119	10	that	that	PRON
cblr-1739	119	11	could	could	AUX
cblr-1739	119	12	be	be	AUX
cblr-1739	119	13	negatively	negatively	ADV
cblr-1739	119	14	impacting	impact	VERB
cblr-1739	119	15	their	their	PRON
cblr-1739	119	16	scores	score	NOUN
cblr-1739	119	17	.	.	PUNCT
cblr-1739	120	1	type	type	NOUN
cblr-1739	120	2	d	d	NOUN
cblr-1739	120	3	individuals	individual	NOUN
cblr-1739	120	4	may	may	AUX
cblr-1739	120	5	have	have	AUX
cblr-1739	120	6	used	use	VERB
cblr-1739	120	7	social	social	ADJ
cblr-1739	120	8	networks	network	NOUN
cblr-1739	120	9	in	in	ADP
cblr-1739	120	10	the	the	DET
cblr-1739	120	11	past	past	NOUN
cblr-1739	120	12	,	,	PUNCT
cblr-1739	120	13	but	but	CCONJ
cblr-1739	120	14	responded	respond	VERB
cblr-1739	120	15	to	to	ADP
cblr-1739	120	16	the	the	DET
cblr-1739	120	17	rise	rise	NOUN
cblr-1739	120	18	of	of	ADP
cblr-1739	120	19	social	social	ADJ
cblr-1739	120	20	credit	credit	NOUN
cblr-1739	120	21	by	by	ADP
cblr-1739	120	22	abstaining	abstain	VERB
cblr-1739	120	23	from	from	ADP
cblr-1739	120	24	social	social	ADJ
cblr-1739	120	25	networks	network	NOUN
cblr-1739	120	26	altogether	altogether	ADV
cblr-1739	120	27	.	.	PUNCT
cblr-1739	121	1	by	by	ADP
cblr-1739	121	2	dint	dint	NOUN
cblr-1739	121	3	of	of	ADP
cblr-1739	121	4	avoidance	avoidance	NOUN
cblr-1739	121	5	,	,	PUNCT
cblr-1739	121	6	type	type	NOUN
cblr-1739	121	7	d	d	NOUN
cblr-1739	121	8	attempt	attempt	NOUN
cblr-1739	121	9	to	to	PART
cblr-1739	121	10	hide	hide	VERB
cblr-1739	121	11	their	their	PRON
cblr-1739	121	12	low	low	ADJ
cblr-1739	121	13	creditworthiness	creditworthiness	NOUN
cblr-1739	121	14	in	in	ADP
cblr-1739	121	15	the	the	DET
cblr-1739	121	16	hope	hope	NOUN
cblr-1739	121	17	that	that	SCONJ
cblr-1739	121	18	they	they	PRON
cblr-1739	121	19	will	will	AUX
cblr-1739	121	20	be	be	AUX
cblr-1739	121	21	assigned	assign	VERB
cblr-1739	121	22	a	a	DET
cblr-1739	121	23	better	well	ADJ
cblr-1739	121	24	score	score	NOUN
cblr-1739	121	25	since	since	SCONJ
cblr-1739	121	26	less	less	ADJ
cblr-1739	121	27	information	information	NOUN
cblr-1739	121	28	is	be	AUX
cblr-1739	121	29	available	available	ADJ
cblr-1739	121	30	.	.	PUNCT
cblr-1739	122	1	nevertheless	nevertheless	ADV
cblr-1739	122	2	,	,	PUNCT
cblr-1739	122	3	because	because	SCONJ
cblr-1739	122	4	creditworthy	creditworthy	ADJ
cblr-1739	122	5	individuals	individual	NOUN
cblr-1739	122	6	signal	signal	VERB
cblr-1739	122	7	that	that	SCONJ
cblr-1739	122	8	they	they	PRON
cblr-1739	122	9	are	be	AUX
cblr-1739	122	10	indeed	indeed	ADV
cblr-1739	122	11	creditworthy	creditworthy	ADJ
cblr-1739	122	12	,	,	PUNCT
cblr-1739	122	13	the	the	DET
cblr-1739	122	14	attempt	attempt	NOUN
cblr-1739	122	15	to	to	PART
cblr-1739	122	16	hide	hide	VERB
cblr-1739	122	17	information	information	NOUN
cblr-1739	122	18	could	could	AUX
cblr-1739	122	19	mark	mark	VERB
cblr-1739	122	20	type	type	NOUN
cblr-1739	122	21	d	d	NOUN
cblr-1739	122	22	individuals	individual	NOUN
cblr-1739	122	23	as	as	ADP
cblr-1739	122	24	even	even	ADV
cblr-1739	122	25	worse	bad	ADJ
cblr-1739	122	26	than	than	SCONJ
cblr-1739	122	27	they	they	PRON
cblr-1739	122	28	really	really	ADV
cblr-1739	122	29	are	be	AUX
cblr-1739	122	30	;	;	PUNCT
cblr-1739	122	31	they	they	PRON
cblr-1739	122	32	would	would	AUX
cblr-1739	122	33	be	be	AUX
cblr-1739	122	34	viewed	view	VERB
cblr-1739	122	35	as	as	ADP
cblr-1739	122	36	lemons	lemon	NOUN
cblr-1739	122	37	.	.	PUNCT
cblr-1739	123	1	the	the	DET
cblr-1739	123	2	rise	rise	NOUN
cblr-1739	123	3	of	of	ADP
cblr-1739	123	4	social	social	ADJ
cblr-1739	123	5	credit	credit	NOUN
cblr-1739	123	6	systems	system	NOUN
cblr-1739	123	7	poses	pose	VERB
cblr-1739	123	8	a	a	DET
cblr-1739	123	9	number	number	NOUN
cblr-1739	123	10	of	of	ADP
cblr-1739	123	11	policy	policy	NOUN
cblr-1739	123	12	challenges	challenge	NOUN
cblr-1739	123	13	.	.	PUNCT
cblr-1739	124	1	first	first	ADV
cblr-1739	124	2	,	,	PUNCT
cblr-1739	124	3	the	the	DET
cblr-1739	124	4	use	use	NOUN
cblr-1739	124	5	of	of	ADP
cblr-1739	124	6	an	an	DET
cblr-1739	124	7	individual	individual	NOUN
cblr-1739	124	8	’s	’s	PART
cblr-1739	124	9	social	social	ADJ
cblr-1739	124	10	information	information	NOUN
cblr-1739	124	11	may	may	AUX
cblr-1739	124	12	inflict	inflict	VERB
cblr-1739	124	13	privacy	privacy	NOUN
cblr-1739	124	14	harms	harm	NOUN
cblr-1739	124	15	at	at	ADP
cblr-1739	124	16	two	two	NUM
cblr-1739	124	17	levels	level	NOUN
cblr-1739	124	18	—	—	PUNCT
cblr-1739	124	19	direct	direct	ADJ
cblr-1739	124	20	,	,	PUNCT
cblr-1739	124	21	to	to	ADP
cblr-1739	124	22	the	the	DET
cblr-1739	124	23	loan	loan	NOUN
cblr-1739	124	24	seeker	seeker	NOUN
cblr-1739	124	25	,	,	PUNCT
cblr-1739	124	26	and	and	CCONJ
cblr-1739	124	27	derivative	derivative	NOUN
cblr-1739	124	28	,	,	PUNCT
cblr-1739	124	29	to	to	ADP
cblr-1739	124	30	the	the	DET
cblr-1739	124	31	loan	loan	NOUN
cblr-1739	124	32	seeker	seeker	NOUN
cblr-1739	124	33	’s	’s	PART
cblr-1739	124	34	contacts	contact	NOUN
cblr-1739	124	35	.	.	PUNCT
cblr-1739	125	1	at	at	ADP
cblr-1739	125	2	the	the	DET
cblr-1739	125	3	direct	direct	ADJ
cblr-1739	125	4	level	level	NOUN
cblr-1739	125	5	,	,	PUNCT
cblr-1739	125	6	the	the	DET
cblr-1739	125	7	loan	loan	NOUN
cblr-1739	125	8	seeker	seeker	NOUN
cblr-1739	125	9	waives	waive	VERB
cblr-1739	125	10	her	her	PRON
cblr-1739	125	11	right	right	NOUN
cblr-1739	125	12	to	to	ADP
cblr-1739	125	13	privacy	privacy	NOUN
cblr-1739	125	14	as	as	ADP
cblr-1739	125	15	a	a	DET
cblr-1739	125	16	part	part	NOUN
cblr-1739	125	17	of	of	ADP
cblr-1739	125	18	the	the	DET
cblr-1739	125	19	transaction	transaction	NOUN
cblr-1739	125	20	:	:	PUNCT
cblr-1739	125	21	the	the	DET
cblr-1739	125	22	user	user	NOUN
cblr-1739	125	23	provides	provide	VERB
cblr-1739	125	24	and	and	CCONJ
cblr-1739	125	25	21	21	NUM
cblr-1739	125	26	see	see	VERB
cblr-1739	125	27	infra	infra	NOUN
cblr-1739	125	28	text	text	NOUN
cblr-1739	125	29	accompanying	accompany	VERB
cblr-1739	125	30	notes	note	NOUN
cblr-1739	125	31	169–70	169–70	PROPN
cblr-1739	125	32	(	(	PUNCT
cblr-1739	125	33	describing	describe	VERB
cblr-1739	125	34	the	the	DET
cblr-1739	125	35	cognitive	cognitive	ADJ
cblr-1739	125	36	biases	bias	NOUN
cblr-1739	125	37	,	,	PUNCT
cblr-1739	125	38	such	such	ADJ
cblr-1739	125	39	as	as	ADP
cblr-1739	125	40	contextualization	contextualization	NOUN
cblr-1739	125	41	effects	effect	NOUN
cblr-1739	125	42	and	and	CCONJ
cblr-1739	125	43	self	self	NOUN
cblr-1739	125	44	-	-	PUNCT
cblr-1739	125	45	control	control	NOUN
cblr-1739	125	46	errors	error	NOUN
cblr-1739	125	47	that	that	PRON
cblr-1739	125	48	cause	cause	VERB
cblr-1739	125	49	irrational	irrational	ADJ
cblr-1739	125	50	behavior	behavior	NOUN
cblr-1739	125	51	on	on	ADP
cblr-1739	125	52	social	social	ADJ
cblr-1739	125	53	networks	network	NOUN
cblr-1739	125	54	)	)	PUNCT
cblr-1739	125	55	.	.	PUNCT
cblr-1739	126	1	22	22	NUM
cblr-1739	126	2	see	see	VERB
cblr-1739	126	3	infra	infra	NOUN
cblr-1739	126	4	part	part	NOUN
cblr-1739	126	5	iii.b.3	iii.b.3	NOUN
cblr-1739	126	6	(	(	PUNCT
cblr-1739	126	7	explaining	explain	VERB
cblr-1739	126	8	the	the	DET
cblr-1739	126	9	consequences	consequence	NOUN
cblr-1739	126	10	of	of	ADP
cblr-1739	126	11	being	be	AUX
cblr-1739	126	12	too	too	ADV
cblr-1739	126	13	passive	passive	ADJ
cblr-1739	126	14	to	to	PART
cblr-1739	126	15	improve	improve	VERB
cblr-1739	126	16	one	one	NUM
cblr-1739	126	17	’s	’s	PART
cblr-1739	126	18	online	online	ADJ
cblr-1739	126	19	profile	profile	NOUN
cblr-1739	126	20	or	or	CCONJ
cblr-1739	126	21	being	be	AUX
cblr-1739	126	22	altogether	altogether	ADV
cblr-1739	126	23	absent	absent	ADJ
cblr-1739	126	24	from	from	ADP
cblr-1739	126	25	social	social	ADJ
cblr-1739	126	26	networking	networking	NOUN
cblr-1739	126	27	)	)	PUNCT
cblr-1739	126	28	.	.	PUNCT
cblr-1739	127	1	geslevich	geslevich	PROPN
cblr-1739	127	2	packin	packin	PROPN
cblr-1739	127	3	&	&	CCONJ
cblr-1739	127	4	lev	lev	PROPN
cblr-1739	127	5	-	-	PUNCT
cblr-1739	127	6	aretz	aretz	PROPN
cblr-1739	127	7	–	–	PUNCT
cblr-1739	127	8	final	final	ADJ
cblr-1739	127	9	348	348	NUM
cblr-1739	127	10	columbia	columbia	PROPN
cblr-1739	127	11	business	business	NOUN
cblr-1739	127	12	law	law	PROPN
cblr-1739	127	13	review	review	NOUN
cblr-1739	128	1	[	[	X
cblr-1739	128	2	vol	vol	NOUN
cblr-1739	128	3	.	.	PUNCT
cblr-1739	128	4	2016	2016	NUM
cblr-1739	128	5	authorizes	authorize	VERB
cblr-1739	128	6	the	the	DET
cblr-1739	128	7	use	use	NOUN
cblr-1739	128	8	of	of	ADP
cblr-1739	128	9	information	information	NOUN
cblr-1739	128	10	about	about	ADP
cblr-1739	128	11	her	she	PRON
cblr-1739	128	12	in	in	ADP
cblr-1739	128	13	return	return	NOUN
cblr-1739	128	14	for	for	ADP
cblr-1739	128	15	attractive	attractive	ADJ
cblr-1739	128	16	interest	interest	NOUN
cblr-1739	128	17	rates	rate	NOUN
cblr-1739	128	18	.	.	PUNCT
cblr-1739	129	1	at	at	ADP
cblr-1739	129	2	the	the	DET
cblr-1739	129	3	derivative	derivative	ADJ
cblr-1739	129	4	level	level	NOUN
cblr-1739	129	5	,	,	PUNCT
cblr-1739	129	6	however	however	ADV
cblr-1739	129	7	,	,	PUNCT
cblr-1739	129	8	a	a	DET
cblr-1739	129	9	troubling	troubling	ADJ
cblr-1739	129	10	privacy	privacy	NOUN
cblr-1739	129	11	risk	risk	NOUN
cblr-1739	129	12	transpires	transpire	NOUN
cblr-1739	129	13	.	.	PUNCT
cblr-1739	130	1	social	social	ADJ
cblr-1739	130	2	credit	credit	NOUN
cblr-1739	130	3	systems	system	NOUN
cblr-1739	130	4	inherently	inherently	ADV
cblr-1739	130	5	implicate	implicate	VERB
cblr-1739	130	6	the	the	DET
cblr-1739	130	7	information	information	NOUN
cblr-1739	130	8	of	of	ADP
cblr-1739	130	9	third	third	ADJ
cblr-1739	130	10	parties	party	NOUN
cblr-1739	130	11	,	,	PUNCT
cblr-1739	130	12	who	who	PRON
cblr-1739	130	13	never	never	ADV
cblr-1739	130	14	agreed	agree	VERB
cblr-1739	130	15	their	their	PRON
cblr-1739	130	16	information	information	NOUN
cblr-1739	130	17	could	could	AUX
cblr-1739	130	18	be	be	AUX
cblr-1739	130	19	collected	collect	VERB
cblr-1739	130	20	,	,	PUNCT
cblr-1739	130	21	evaluated	evaluated	ADJ
cblr-1739	130	22	,	,	PUNCT
cblr-1739	130	23	or	or	CCONJ
cblr-1739	130	24	analyzed	analyze	VERB
cblr-1739	130	25	.	.	PUNCT
cblr-1739	131	1	helen	helen	PROPN
cblr-1739	131	2	nissenbaum	nissenbaum	PROPN
cblr-1739	131	3	’s	’s	PART
cblr-1739	131	4	theory	theory	NOUN
cblr-1739	131	5	of	of	ADP
cblr-1739	131	6	contextual	contextual	ADJ
cblr-1739	131	7	integrity	integrity	NOUN
cblr-1739	131	8	further	far	ADV
cblr-1739	131	9	spotlights	spotlight	VERB
cblr-1739	131	10	the	the	DET
cblr-1739	131	11	privacy	privacy	NOUN
cblr-1739	131	12	impairment	impairment	NOUN
cblr-1739	131	13	,	,	PUNCT
cblr-1739	131	14	as	as	SCONJ
cblr-1739	131	15	third	third	ADJ
cblr-1739	131	16	parties	party	NOUN
cblr-1739	131	17	have	have	VERB
cblr-1739	131	18	rarely	rarely	ADV
cblr-1739	131	19	(	(	PUNCT
cblr-1739	131	20	and	and	CCONJ
cblr-1739	131	21	probably	probably	ADV
cblr-1739	131	22	have	have	VERB
cblr-1739	131	23	not	not	PART
cblr-1739	131	24	at	at	ADP
cblr-1739	131	25	any	any	DET
cblr-1739	131	26	point	point	NOUN
cblr-1739	131	27	)	)	PUNCT
cblr-1739	131	28	contemplated	contemplate	VERB
cblr-1739	131	29	the	the	DET
cblr-1739	131	30	possibility	possibility	NOUN
cblr-1739	131	31	of	of	ADP
cblr-1739	131	32	being	be	AUX
cblr-1739	131	33	evaluated	evaluate	VERB
cblr-1739	131	34	for	for	ADP
cblr-1739	131	35	the	the	DET
cblr-1739	131	36	purpose	purpose	NOUN
cblr-1739	131	37	of	of	ADP
cblr-1739	131	38	financially	financially	ADV
cblr-1739	131	39	ranking	rank	VERB
cblr-1739	131	40	others	other	NOUN
cblr-1739	131	41	when	when	SCONJ
cblr-1739	131	42	first	first	ADV
cblr-1739	131	43	disclosing	disclose	VERB
cblr-1739	131	44	information	information	NOUN
cblr-1739	131	45	in	in	ADP
cblr-1739	131	46	the	the	DET
cblr-1739	131	47	course	course	NOUN
cblr-1739	131	48	of	of	ADP
cblr-1739	131	49	online	online	ADJ
cblr-1739	131	50	socialization.23	socialization.23	PROPN
cblr-1739	131	51	second	second	ADJ
cblr-1739	131	52	,	,	PUNCT
cblr-1739	131	53	social	social	ADJ
cblr-1739	131	54	scoring	scoring	NOUN
cblr-1739	131	55	systems	system	NOUN
cblr-1739	131	56	risk	risk	NOUN
cblr-1739	131	57	inducing	induce	VERB
cblr-1739	131	58	social	social	ADJ
cblr-1739	131	59	segregation	segregation	NOUN
cblr-1739	131	60	.	.	PUNCT
cblr-1739	132	1	systematic	systematic	ADJ
cblr-1739	132	2	consideration	consideration	NOUN
cblr-1739	132	3	of	of	ADP
cblr-1739	132	4	social	social	ADJ
cblr-1739	132	5	information	information	NOUN
cblr-1739	132	6	motivates	motivate	VERB
cblr-1739	132	7	individuals	individual	NOUN
cblr-1739	132	8	,	,	PUNCT
cblr-1739	132	9	such	such	ADJ
cblr-1739	132	10	as	as	ADP
cblr-1739	132	11	those	those	PRON
cblr-1739	132	12	in	in	ADP
cblr-1739	132	13	the	the	DET
cblr-1739	132	14	type	type	NOUN
cblr-1739	132	15	b	b	PROPN
cblr-1739	132	16	group	group	NOUN
cblr-1739	132	17	,	,	PUNCT
cblr-1739	132	18	to	to	PART
cblr-1739	132	19	increase	increase	VERB
cblr-1739	132	20	their	their	PRON
cblr-1739	132	21	chances	chance	NOUN
cblr-1739	132	22	of	of	ADP
cblr-1739	132	23	getting	get	VERB
cblr-1739	132	24	the	the	DET
cblr-1739	132	25	best	good	ADJ
cblr-1739	132	26	financial	financial	ADJ
cblr-1739	132	27	terms	term	NOUN
cblr-1739	132	28	.	.	PUNCT
cblr-1739	133	1	following	follow	VERB
cblr-1739	133	2	this	this	DET
cblr-1739	133	3	logic	logic	NOUN
cblr-1739	133	4	,	,	PUNCT
cblr-1739	133	5	we	we	PRON
cblr-1739	133	6	should	should	AUX
cblr-1739	133	7	expect	expect	VERB
cblr-1739	133	8	rational	rational	ADJ
cblr-1739	133	9	individuals	individual	NOUN
cblr-1739	133	10	to	to	PART
cblr-1739	133	11	eliminate	eliminate	VERB
cblr-1739	133	12	social	social	ADJ
cblr-1739	133	13	red	red	ADJ
cblr-1739	133	14	flags	flag	NOUN
cblr-1739	133	15	and	and	CCONJ
cblr-1739	133	16	showcase	showcase	NOUN
cblr-1739	133	17	contacts	contact	NOUN
cblr-1739	133	18	who	who	PRON
cblr-1739	133	19	exhibit	exhibit	VERB
cblr-1739	133	20	good	good	ADJ
cblr-1739	133	21	financial	financial	ADJ
cblr-1739	133	22	standing	standing	NOUN
cblr-1739	133	23	.	.	PUNCT
cblr-1739	134	1	widespread	widespread	ADJ
cblr-1739	134	2	artificial	artificial	ADJ
cblr-1739	134	3	reorganization	reorganization	NOUN
cblr-1739	134	4	of	of	ADP
cblr-1739	134	5	online	online	ADJ
cblr-1739	134	6	social	social	ADJ
cblr-1739	134	7	circles	circle	NOUN
cblr-1739	134	8	may	may	AUX
cblr-1739	134	9	lead	lead	VERB
cblr-1739	134	10	to	to	ADP
cblr-1739	134	11	online	online	ADJ
cblr-1739	134	12	social	social	ADJ
cblr-1739	134	13	polarization	polarization	NOUN
cblr-1739	134	14	,	,	PUNCT
cblr-1739	134	15	in	in	ADP
cblr-1739	134	16	which	which	PRON
cblr-1739	134	17	users	user	NOUN
cblr-1739	134	18	are	be	AUX
cblr-1739	134	19	regrouped	regroup	VERB
cblr-1739	134	20	by	by	ADP
cblr-1739	134	21	the	the	DET
cblr-1739	134	22	level	level	NOUN
cblr-1739	134	23	of	of	ADP
cblr-1739	134	24	financial	financial	ADJ
cblr-1739	134	25	risk	risk	NOUN
cblr-1739	134	26	they	they	PRON
cblr-1739	134	27	embody	embody	VERB
cblr-1739	134	28	.	.	PUNCT
cblr-1739	135	1	online	online	ADJ
cblr-1739	135	2	and	and	CCONJ
cblr-1739	135	3	offline	offline	ADJ
cblr-1739	135	4	circles	circle	NOUN
cblr-1739	135	5	do	do	AUX
cblr-1739	135	6	not	not	PART
cblr-1739	135	7	operate	operate	VERB
cblr-1739	135	8	as	as	ADP
cblr-1739	135	9	separate	separate	ADJ
cblr-1739	135	10	domains	domain	NOUN
cblr-1739	135	11	for	for	ADP
cblr-1739	135	12	social	social	ADJ
cblr-1739	135	13	action.24	action.24	NOUN
cblr-1739	135	14	instead	instead	ADV
cblr-1739	135	15	,	,	PUNCT
cblr-1739	135	16	social	social	ADJ
cblr-1739	135	17	networks	network	NOUN
cblr-1739	135	18	23	23	NUM
cblr-1739	135	19	see	see	VERB
cblr-1739	135	20	generally	generally	ADV
cblr-1739	135	21	helen	helen	PROPN
cblr-1739	135	22	nissenbaum	nissenbaum	PROPN
cblr-1739	135	23	,	,	PUNCT
cblr-1739	135	24	privacy	privacy	NOUN
cblr-1739	135	25	in	in	ADP
cblr-1739	135	26	context	context	NOUN
cblr-1739	135	27	(	(	PUNCT
cblr-1739	135	28	2010	2010	NUM
cblr-1739	135	29	)	)	PUNCT
cblr-1739	135	30	(	(	PUNCT
cblr-1739	135	31	describing	describe	VERB
cblr-1739	135	32	the	the	DET
cblr-1739	135	33	importance	importance	NOUN
cblr-1739	135	34	of	of	ADP
cblr-1739	135	35	social	social	ADJ
cblr-1739	135	36	contexts	context	NOUN
cblr-1739	135	37	and	and	CCONJ
cblr-1739	135	38	context	context	NOUN
cblr-1739	135	39	-	-	PUNCT
cblr-1739	135	40	relative	relative	ADJ
cblr-1739	135	41	informational	informational	ADJ
cblr-1739	135	42	norms	norm	NOUN
cblr-1739	135	43	when	when	SCONJ
cblr-1739	135	44	considering	consider	VERB
cblr-1739	135	45	the	the	DET
cblr-1739	135	46	right	right	NOUN
cblr-1739	135	47	to	to	ADP
cblr-1739	135	48	privacy	privacy	NOUN
cblr-1739	135	49	)	)	PUNCT
cblr-1739	135	50	.	.	PUNCT
cblr-1739	136	1	for	for	ADP
cblr-1739	136	2	another	another	DET
cblr-1739	136	3	interesting	interesting	ADJ
cblr-1739	136	4	theory	theory	NOUN
cblr-1739	136	5	that	that	PRON
cblr-1739	136	6	can	can	AUX
cblr-1739	136	7	also	also	ADV
cblr-1739	136	8	be	be	AUX
cblr-1739	136	9	relevant	relevant	ADJ
cblr-1739	136	10	in	in	ADP
cblr-1739	136	11	this	this	DET
cblr-1739	136	12	context	context	NOUN
cblr-1739	136	13	,	,	PUNCT
cblr-1739	136	14	see	see	VERB
cblr-1739	136	15	joshua	joshua	PROPN
cblr-1739	136	16	a.t	a.t	PROPN
cblr-1739	136	17	.	.	PROPN
cblr-1739	136	18	fairfield	fairfield	PROPN
cblr-1739	136	19	&	&	CCONJ
cblr-1739	136	20	christoph	christoph	PROPN
cblr-1739	136	21	engel	engel	PROPN
cblr-1739	136	22	,	,	PUNCT
cblr-1739	136	23	privacy	privacy	NOUN
cblr-1739	136	24	as	as	ADP
cblr-1739	136	25	a	a	DET
cblr-1739	136	26	public	public	ADJ
cblr-1739	136	27	good	good	NOUN
cblr-1739	136	28	,	,	PUNCT
cblr-1739	136	29	65	65	NUM
cblr-1739	136	30	duke	duke	PROPN
cblr-1739	136	31	l.j	l.j	PROPN
cblr-1739	136	32	.	.	PROPN
cblr-1739	136	33	385	385	NUM
cblr-1739	136	34	(	(	PUNCT
cblr-1739	136	35	2015	2015	NUM
cblr-1739	136	36	)	)	PUNCT
cblr-1739	136	37	(	(	PUNCT
cblr-1739	136	38	explaining	explain	VERB
cblr-1739	136	39	that	that	SCONJ
cblr-1739	136	40	even	even	ADV
cblr-1739	136	41	though	though	SCONJ
cblr-1739	136	42	privacy	privacy	NOUN
cblr-1739	136	43	is	be	AUX
cblr-1739	136	44	commonly	commonly	ADV
cblr-1739	136	45	studied	study	VERB
cblr-1739	136	46	as	as	ADP
cblr-1739	136	47	a	a	DET
cblr-1739	136	48	private	private	ADJ
cblr-1739	136	49	good	good	NOUN
cblr-1739	136	50	,	,	PUNCT
cblr-1739	136	51	this	this	DET
cblr-1739	136	52	notion	notion	NOUN
cblr-1739	136	53	misses	miss	VERB
cblr-1739	136	54	a	a	DET
cblr-1739	136	55	key	key	ADJ
cblr-1739	136	56	aspect	aspect	NOUN
cblr-1739	136	57	of	of	ADP
cblr-1739	136	58	the	the	DET
cblr-1739	136	59	policy	policy	NOUN
cblr-1739	136	60	problem	problem	NOUN
cblr-1739	136	61	,	,	PUNCT
cblr-1739	136	62	as	as	ADP
cblr-1739	136	63	“	"	PUNCT
cblr-1739	136	64	an	an	DET
cblr-1739	136	65	individual	individual	NOUN
cblr-1739	136	66	who	who	PRON
cblr-1739	136	67	is	be	AUX
cblr-1739	136	68	careless	careless	ADJ
cblr-1739	136	69	with	with	ADP
cblr-1739	136	70	data	datum	NOUN
cblr-1739	136	71	exposes	expose	VERB
cblr-1739	136	72	not	not	PART
cblr-1739	136	73	only	only	ADV
cblr-1739	136	74	extensive	extensive	ADJ
cblr-1739	136	75	information	information	NOUN
cblr-1739	136	76	about	about	ADP
cblr-1739	136	77	herself	herself	PRON
cblr-1739	136	78	,	,	PUNCT
cblr-1739	136	79	but	but	CCONJ
cblr-1739	136	80	about	about	ADP
cblr-1739	136	81	others	other	NOUN
cblr-1739	136	82	as	as	ADV
cblr-1739	136	83	well	well	ADV
cblr-1739	136	84	.	.	PUNCT
cblr-1739	136	85	”	"	PUNCT
cblr-1739	137	1	the	the	DET
cblr-1739	137	2	article	article	NOUN
cblr-1739	137	3	further	far	ADV
cblr-1739	137	4	explains	explain	VERB
cblr-1739	137	5	that	that	SCONJ
cblr-1739	137	6	the	the	DET
cblr-1739	137	7	“	"	PUNCT
cblr-1739	137	8	negative	negative	ADJ
cblr-1739	137	9	externalities	externality	NOUN
cblr-1739	137	10	imposed	impose	VERB
cblr-1739	137	11	on	on	ADP
cblr-1739	137	12	nonconsenting	nonconsente	VERB
cblr-1739	137	13	outsiders	outsider	NOUN
cblr-1739	137	14	by	by	ADP
cblr-1739	137	15	such	such	ADJ
cblr-1739	137	16	carelessness	carelessness	NOUN
cblr-1739	137	17	can	can	AUX
cblr-1739	137	18	be	be	AUX
cblr-1739	137	19	productively	productively	ADV
cblr-1739	137	20	studied	study	VERB
cblr-1739	137	21	in	in	ADP
cblr-1739	137	22	terms	term	NOUN
cblr-1739	137	23	of	of	ADP
cblr-1739	137	24	welfare	welfare	NOUN
cblr-1739	137	25	economics	economic	NOUN
cblr-1739	137	26	.	.	PUNCT
cblr-1739	138	1	if	if	SCONJ
cblr-1739	138	2	all	all	DET
cblr-1739	138	3	relevant	relevant	ADJ
cblr-1739	138	4	individuals	individual	NOUN
cblr-1739	138	5	maximize	maximize	VERB
cblr-1739	138	6	private	private	ADJ
cblr-1739	138	7	benefit	benefit	NOUN
cblr-1739	138	8	,	,	PUNCT
cblr-1739	138	9	and	and	CCONJ
cblr-1739	138	10	expect	expect	VERB
cblr-1739	138	11	all	all	DET
cblr-1739	138	12	other	other	ADJ
cblr-1739	138	13	relevant	relevant	ADJ
cblr-1739	138	14	individuals	individual	NOUN
cblr-1739	138	15	to	to	PART
cblr-1739	138	16	do	do	VERB
cblr-1739	138	17	the	the	DET
cblr-1739	138	18	same	same	ADJ
cblr-1739	138	19	,	,	PUNCT
cblr-1739	138	20	neoclassical	neoclassical	ADJ
cblr-1739	138	21	economic	economic	ADJ
cblr-1739	138	22	theory	theory	NOUN
cblr-1739	138	23	predicts	predict	VERB
cblr-1739	138	24	that	that	SCONJ
cblr-1739	138	25	society	society	NOUN
cblr-1739	138	26	will	will	AUX
cblr-1739	138	27	achieve	achieve	VERB
cblr-1739	138	28	a	a	DET
cblr-1739	138	29	suboptimal	suboptimal	ADJ
cblr-1739	138	30	level	level	NOUN
cblr-1739	138	31	of	of	ADP
cblr-1739	138	32	privacy	privacy	NOUN
cblr-1739	138	33	.	.	PUNCT
cblr-1739	138	34	”	"	PUNCT
cblr-1739	139	1	)	)	PUNCT
cblr-1739	139	2	24	24	NUM
cblr-1739	139	3	see	see	VERB
cblr-1739	139	4	nicole	nicole	PROPN
cblr-1739	139	5	b.	b.	PROPN
cblr-1739	139	6	ellison	ellison	PROPN
cblr-1739	139	7	et	et	PROPN
cblr-1739	139	8	al	al	PROPN
cblr-1739	139	9	.	.	PROPN
cblr-1739	139	10	,	,	PUNCT
cblr-1739	139	11	the	the	DET
cblr-1739	139	12	benefits	benefit	NOUN
cblr-1739	139	13	of	of	ADP
cblr-1739	139	14	facebook	facebook	NOUN
cblr-1739	139	15	‘	'	PUNCT
cblr-1739	139	16	‘	'	PUNCT
cblr-1739	139	17	friends	friend	NOUN
cblr-1739	139	18	:	:	PUNCT
cblr-1739	139	19	’’	’'	PUNCT
cblr-1739	139	20	social	social	ADJ
cblr-1739	139	21	capital	capital	NOUN
cblr-1739	139	22	and	and	CCONJ
cblr-1739	139	23	college	college	NOUN
cblr-1739	139	24	students	student	NOUN
cblr-1739	139	25	’	'	PUNCT
cblr-1739	139	26	use	use	NOUN
cblr-1739	139	27	of	of	ADP
cblr-1739	139	28	online	online	ADJ
cblr-1739	139	29	social	social	ADJ
cblr-1739	139	30	network	network	NOUN
cblr-1739	139	31	sites	site	NOUN
cblr-1739	139	32	,	,	PUNCT
cblr-1739	139	33	12	12	NUM
cblr-1739	139	34	j.	j.	PROPN
cblr-1739	139	35	computer	computer	NOUN
cblr-1739	139	36	-	-	PUNCT
cblr-1739	139	37	mediated	mediate	VERB
cblr-1739	139	38	comm	comm	NOUN
cblr-1739	139	39	.	.	PUNCT
cblr-1739	139	40	1143	1143	NUM
cblr-1739	139	41	,	,	PUNCT
cblr-1739	139	42	1144	1144	NUM
cblr-1739	139	43	(	(	PUNCT
cblr-1739	139	44	2007	2007	NUM
cblr-1739	139	45	)	)	PUNCT
cblr-1739	139	46	(	(	PUNCT
cblr-1739	139	47	observing	observe	VERB
cblr-1739	139	48	that	that	SCONJ
cblr-1739	139	49	“	"	PUNCT
cblr-1739	139	50	online	online	ADJ
cblr-1739	139	51	connections	connection	NOUN
cblr-1739	139	52	resulted	result	VERB
cblr-1739	139	53	in	in	ADP
cblr-1739	139	54	face	face	NOUN
cblr-1739	139	55	-	-	PUNCT
cblr-1739	139	56	to	to	ADP
cblr-1739	139	57	-	-	PUNCT
cblr-1739	139	58	face	face	NOUN
cblr-1739	139	59	meetings	meeting	NOUN
cblr-1739	139	60	”	"	PUNCT
cblr-1739	139	61	)	)	PUNCT
cblr-1739	139	62	.	.	PUNCT
cblr-1739	140	1	geslevich	geslevich	PROPN
cblr-1739	140	2	packin	packin	PROPN
cblr-1739	140	3	&	&	CCONJ
cblr-1739	140	4	lev	lev	PROPN
cblr-1739	140	5	-	-	PUNCT
cblr-1739	140	6	aretz	aretz	PROPN
cblr-1739	140	7	–	–	PUNCT
cblr-1739	140	8	final	final	ADJ
cblr-1739	140	9	no	no	NOUN
cblr-1739	140	10	.	.	PUNCT
cblr-1739	141	1	2:339	2:339	NUM
cblr-1739	141	2	]	]	X
cblr-1739	141	3	on	on	ADP
cblr-1739	141	4	social	social	ADJ
cblr-1739	141	5	credit	credit	NOUN
cblr-1739	142	1	349	349	NUM
cblr-1739	142	2	merge	merge	VERB
cblr-1739	142	3	online	online	ADV
cblr-1739	142	4	and	and	CCONJ
cblr-1739	142	5	offline	offline	ADJ
cblr-1739	142	6	behaviors	behavior	NOUN
cblr-1739	142	7	and	and	CCONJ
cblr-1739	142	8	support	support	VERB
cblr-1739	142	9	the	the	DET
cblr-1739	142	10	conclusion	conclusion	NOUN
cblr-1739	142	11	that	that	SCONJ
cblr-1739	142	12	an	an	DET
cblr-1739	142	13	online	online	ADJ
cblr-1739	142	14	practice	practice	NOUN
cblr-1739	142	15	of	of	ADP
cblr-1739	142	16	filtering	filter	VERB
cblr-1739	142	17	one	one	NUM
cblr-1739	142	18	’s	’s	PART
cblr-1739	142	19	friends	friend	NOUN
cblr-1739	142	20	list	list	NOUN
cblr-1739	142	21	based	base	VERB
cblr-1739	142	22	on	on	ADP
cblr-1739	142	23	financial	financial	ADJ
cblr-1739	142	24	health	health	NOUN
cblr-1739	142	25	would	would	AUX
cblr-1739	142	26	bear	bear	VERB
cblr-1739	142	27	real	real	ADJ
cblr-1739	142	28	life	life	NOUN
cblr-1739	142	29	consequences	consequence	NOUN
cblr-1739	142	30	.	.	PUNCT
cblr-1739	143	1	the	the	DET
cblr-1739	143	2	potential	potential	ADJ
cblr-1739	143	3	score	score	NOUN
cblr-1739	143	4	-	-	PUNCT
cblr-1739	143	5	based	base	VERB
cblr-1739	143	6	segregation	segregation	NOUN
cblr-1739	143	7	could	could	AUX
cblr-1739	143	8	curtail	curtail	VERB
cblr-1739	143	9	the	the	DET
cblr-1739	143	10	resources	resource	NOUN
cblr-1739	143	11	accumulated	accumulate	VERB
cblr-1739	143	12	through	through	ADP
cblr-1739	143	13	relationships	relationship	NOUN
cblr-1739	143	14	among	among	ADP
cblr-1739	143	15	people	people	NOUN
cblr-1739	143	16	,	,	PUNCT
cblr-1739	143	17	broadly	broadly	ADV
cblr-1739	143	18	conceptualized	conceptualize	VERB
cblr-1739	143	19	as	as	ADP
cblr-1739	143	20	social	social	ADJ
cblr-1739	143	21	capital.25	capital.25	NOUN
cblr-1739	143	22	as	as	ADP
cblr-1739	143	23	social	social	ADJ
cblr-1739	143	24	capital	capital	NOUN
cblr-1739	143	25	correlates	correlate	VERB
cblr-1739	143	26	with	with	ADP
cblr-1739	143	27	social	social	ADJ
cblr-1739	143	28	mobility	mobility	NOUN
cblr-1739	143	29	,	,	PUNCT
cblr-1739	143	30	social	social	ADJ
cblr-1739	143	31	credit	credit	NOUN
cblr-1739	143	32	systems	system	NOUN
cblr-1739	143	33	may	may	AUX
cblr-1739	143	34	further	far	ADV
cblr-1739	143	35	paralyze	paralyze	VERB
cblr-1739	143	36	socioeconomic	socioeconomic	ADJ
cblr-1739	143	37	mobility.26	mobility.26	NOUN
cblr-1739	143	38	furthermore	furthermore	ADV
cblr-1739	143	39	,	,	PUNCT
cblr-1739	143	40	social	social	ADJ
cblr-1739	143	41	credit	credit	NOUN
cblr-1739	143	42	could	could	AUX
cblr-1739	143	43	force	force	VERB
cblr-1739	143	44	individuals	individual	NOUN
cblr-1739	143	45	to	to	PART
cblr-1739	143	46	face	face	VERB
cblr-1739	143	47	a	a	DET
cblr-1739	143	48	painful	painful	ADJ
cblr-1739	143	49	choice	choice	NOUN
cblr-1739	143	50	between	between	ADP
cblr-1739	143	51	their	their	PRON
cblr-1739	143	52	social	social	ADJ
cblr-1739	143	53	ties	tie	NOUN
cblr-1739	143	54	from	from	ADP
cblr-1739	143	55	the	the	DET
cblr-1739	143	56	past	past	NOUN
cblr-1739	143	57	or	or	CCONJ
cblr-1739	143	58	a	a	DET
cblr-1739	143	59	better	well	ADJ
cblr-1739	143	60	financial	financial	ADJ
cblr-1739	143	61	score	score	NOUN
cblr-1739	143	62	in	in	ADP
cblr-1739	143	63	the	the	DET
cblr-1739	143	64	future	future	NOUN
cblr-1739	143	65	.	.	PUNCT
cblr-1739	144	1	social	social	ADJ
cblr-1739	144	2	credit	credit	NOUN
cblr-1739	144	3	systems	system	NOUN
cblr-1739	144	4	combine	combine	VERB
cblr-1739	144	5	traditional	traditional	ADJ
cblr-1739	144	6	credit	credit	NOUN
cblr-1739	144	7	scoring	scoring	NOUN
cblr-1739	144	8	with	with	ADP
cblr-1739	144	9	algorithmic	algorithmic	ADJ
cblr-1739	144	10	decision	decision	NOUN
cblr-1739	144	11	-	-	PUNCT
cblr-1739	144	12	making	making	NOUN
cblr-1739	144	13	based	base	VERB
cblr-1739	144	14	on	on	ADP
cblr-1739	144	15	large	large	ADJ
cblr-1739	144	16	datasets	dataset	NOUN
cblr-1739	144	17	.	.	PUNCT
cblr-1739	145	1	people	people	NOUN
cblr-1739	145	2	criticize	criticize	VERB
cblr-1739	145	3	traditional	traditional	ADJ
cblr-1739	145	4	scoring	scoring	NOUN
cblr-1739	145	5	methods	method	NOUN
cblr-1739	145	6	for	for	ADP
cblr-1739	145	7	their	their	PRON
cblr-1739	145	8	opacity	opacity	NOUN
cblr-1739	145	9	,	,	PUNCT
cblr-1739	145	10	arbitrary	arbitrary	ADJ
cblr-1739	145	11	results	result	NOUN
cblr-1739	145	12	,	,	PUNCT
cblr-1739	145	13	and	and	CCONJ
cblr-1739	145	14	disparate	disparate	ADJ
cblr-1739	145	15	impact	impact	NOUN
cblr-1739	145	16	on	on	ADP
cblr-1739	145	17	minorities.27	minorities.27	ADJ
cblr-1739	145	18	computer	computer	NOUN
cblr-1739	145	19	algorithmic	algorithmic	ADJ
cblr-1739	145	20	scoring	scoring	NOUN
cblr-1739	145	21	models	model	NOUN
cblr-1739	145	22	that	that	PRON
cblr-1739	145	23	use	use	VERB
cblr-1739	145	24	big	big	ADJ
cblr-1739	145	25	data	datum	NOUN
cblr-1739	145	26	mining	mining	NOUN
cblr-1739	145	27	further	far	ADV
cblr-1739	145	28	exacerbate	exacerbate	VERB
cblr-1739	145	29	these	these	DET
cblr-1739	145	30	problems	problem	NOUN
cblr-1739	145	31	.	.	PUNCT
cblr-1739	146	1	the	the	DET
cblr-1739	146	2	data	datum	NOUN
cblr-1739	146	3	mined	mine	VERB
cblr-1739	146	4	might	might	AUX
cblr-1739	146	5	be	be	AUX
cblr-1739	146	6	inaccurate	inaccurate	ADJ
cblr-1739	146	7	or	or	CCONJ
cblr-1739	146	8	inappropriate	inappropriate	ADJ
cblr-1739	146	9	,	,	PUNCT
cblr-1739	146	10	algorithmic	algorithmic	ADJ
cblr-1739	146	11	modeling	modeling	NOUN
cblr-1739	146	12	may	may	AUX
cblr-1739	146	13	be	be	AUX
cblr-1739	146	14	biased	bias	VERB
cblr-1739	146	15	or	or	CCONJ
cblr-1739	146	16	limited	limited	ADJ
cblr-1739	146	17	,	,	PUNCT
cblr-1739	146	18	machine	machine	NOUN
cblr-1739	146	19	-	-	PUNCT
cblr-1739	146	20	learning	learn	VERB
cblr-1739	146	21	capabilities	capability	NOUN
cblr-1739	146	22	can	can	AUX
cblr-1739	146	23	make	make	VERB
cblr-1739	146	24	inferences	inference	NOUN
cblr-1739	146	25	as	as	ADP
cblr-1739	146	26	to	to	ADP
cblr-1739	146	27	undisclosed	undisclosed	ADJ
cblr-1739	146	28	information	information	NOUN
cblr-1739	146	29	and	and	CCONJ
cblr-1739	146	30	factor	factor	NOUN
cblr-1739	146	31	in	in	ADP
cblr-1739	146	32	forbidden	forbidden	ADJ
cblr-1739	146	33	or	or	CCONJ
cblr-1739	146	34	unsuitable	unsuitable	ADJ
cblr-1739	146	35	variables	variable	NOUN
cblr-1739	146	36	,	,	PUNCT
cblr-1739	146	37	and	and	CCONJ
cblr-1739	146	38	the	the	DET
cblr-1739	146	39	uses	use	NOUN
cblr-1739	146	40	of	of	ADP
cblr-1739	146	41	algorithms	algorithm	NOUN
cblr-1739	146	42	are	be	AUX
cblr-1739	146	43	often	often	ADV
cblr-1739	146	44	opaque	opaque	ADJ
cblr-1739	146	45	and	and	CCONJ
cblr-1739	146	46	hard	hard	ADJ
cblr-1739	146	47	to	to	PART
cblr-1739	146	48	challenge.28	challenge.28	VERB
cblr-1739	146	49	25	25	NUM
cblr-1739	146	50	see	see	NOUN
cblr-1739	146	51	pierre	pierre	PROPN
cblr-1739	146	52	bourdieu	bourdieu	PROPN
cblr-1739	146	53	&	&	CCONJ
cblr-1739	146	54	loïc	loïc	PROPN
cblr-1739	146	55	j.	j.	PROPN
cblr-1739	146	56	d.	d.	PROPN
cblr-1739	146	57	wacquant	wacquant	PROPN
cblr-1739	146	58	,	,	PUNCT
cblr-1739	146	59	an	an	DET
cblr-1739	146	60	invitation	invitation	NOUN
cblr-1739	146	61	to	to	PART
cblr-1739	146	62	reflexive	reflexive	VERB
cblr-1739	146	63	sociology	sociology	NOUN
cblr-1739	146	64	14	14	NUM
cblr-1739	146	65	(	(	PUNCT
cblr-1739	146	66	1992	1992	NUM
cblr-1739	146	67	)	)	PUNCT
cblr-1739	146	68	(	(	PUNCT
cblr-1739	146	69	“	"	PUNCT
cblr-1739	146	70	social	social	ADJ
cblr-1739	146	71	structures	structure	NOUN
cblr-1739	146	72	and	and	CCONJ
cblr-1739	146	73	cognitive	cognitive	ADJ
cblr-1739	146	74	structures	structure	NOUN
cblr-1739	146	75	are	be	AUX
cblr-1739	146	76	recursively	recursively	ADV
cblr-1739	146	77	and	and	CCONJ
cblr-1739	146	78	structurally	structurally	ADV
cblr-1739	146	79	linked	link	VERB
cblr-1739	146	80	,	,	PUNCT
cblr-1739	146	81	and	and	CCONJ
cblr-1739	146	82	the	the	DET
cblr-1739	146	83	correspondence	correspondence	NOUN
cblr-1739	146	84	that	that	PRON
cblr-1739	146	85	obtains	obtain	VERB
cblr-1739	146	86	between	between	ADP
cblr-1739	146	87	them	they	PRON
cblr-1739	146	88	provides	provide	VERB
cblr-1739	146	89	one	one	NUM
cblr-1739	146	90	of	of	ADP
cblr-1739	146	91	the	the	DET
cblr-1739	146	92	most	most	ADV
cblr-1739	146	93	solid	solid	ADJ
cblr-1739	146	94	props	prop	NOUN
cblr-1739	146	95	of	of	ADP
cblr-1739	146	96	social	social	ADJ
cblr-1739	146	97	domination	domination	NOUN
cblr-1739	146	98	.	.	PUNCT
cblr-1739	146	99	”	"	PUNCT
cblr-1739	146	100	)	)	PUNCT
cblr-1739	146	101	.	.	PUNCT
cblr-1739	147	1	26	26	NUM
cblr-1739	147	2	see	see	VERB
cblr-1739	147	3	pablo	pablo	PROPN
cblr-1739	147	4	a.	a.	PROPN
cblr-1739	147	5	mitnik	mitnik	PROPN
cblr-1739	147	6	et	et	PROPN
cblr-1739	147	7	al	al	PROPN
cblr-1739	147	8	.	.	PROPN
cblr-1739	147	9	,	,	PUNCT
cblr-1739	147	10	new	new	ADJ
cblr-1739	147	11	estimates	estimate	NOUN
cblr-1739	147	12	of	of	ADP
cblr-1739	147	13	intergenerational	intergenerational	ADJ
cblr-1739	147	14	mobility	mobility	NOUN
cblr-1739	147	15	using	use	VERB
cblr-1739	147	16	administrative	administrative	ADJ
cblr-1739	147	17	data	datum	NOUN
cblr-1739	147	18	70–72	70–72	NUM
cblr-1739	147	19	(	(	PUNCT
cblr-1739	147	20	2015	2015	NUM
cblr-1739	147	21	)	)	PUNCT
cblr-1739	147	22	,	,	PUNCT
cblr-1739	147	23	https://www.irs.gov/	https://www.irs.gov/	PROPN
cblr-1739	147	24	pub	pub	NOUN
cblr-1739	147	25	/	/	SYM
cblr-1739	147	26	irs	irs	PROPN
cblr-1739	147	27	-	-	PUNCT
cblr-1739	147	28	soi/15rpintergenmobility.pdf	soi/15rpintergenmobility.pdf	NOUN
cblr-1739	148	1	[	[	X
cblr-1739	148	2	http://perma.cc/u726-kpxl	http://perma.cc/u726-kpxl	X
cblr-1739	148	3	]	]	X
cblr-1739	148	4	(	(	PUNCT
cblr-1739	148	5	finding	find	VERB
cblr-1739	148	6	that	that	SCONJ
cblr-1739	148	7	a	a	DET
cblr-1739	148	8	large	large	ADJ
cblr-1739	148	9	share	share	NOUN
cblr-1739	148	10	of	of	ADP
cblr-1739	148	11	inequality	inequality	NOUN
cblr-1739	148	12	between	between	ADP
cblr-1739	148	13	families	family	NOUN
cblr-1739	148	14	at	at	ADP
cblr-1739	148	15	the	the	DET
cblr-1739	148	16	10th	10th	ADJ
cblr-1739	148	17	and	and	CCONJ
cblr-1739	148	18	90th	90th	ADJ
cblr-1739	148	19	income	income	NOUN
cblr-1739	148	20	percentiles	percentile	NOUN
cblr-1739	148	21	continues	continue	VERB
cblr-1739	148	22	into	into	ADP
cblr-1739	148	23	the	the	DET
cblr-1739	148	24	following	follow	VERB
cblr-1739	148	25	generation	generation	NOUN
cblr-1739	148	26	)	)	PUNCT
cblr-1739	148	27	.	.	PUNCT
cblr-1739	149	1	27	27	NUM
cblr-1739	149	2	danielle	danielle	PROPN
cblr-1739	149	3	keats	keats	PROPN
cblr-1739	149	4	citron	citron	PROPN
cblr-1739	149	5	&	&	CCONJ
cblr-1739	149	6	frank	frank	PROPN
cblr-1739	149	7	pasquale	pasquale	PROPN
cblr-1739	149	8	,	,	PUNCT
cblr-1739	149	9	the	the	DET
cblr-1739	149	10	scored	score	VERB
cblr-1739	149	11	society	society	NOUN
cblr-1739	149	12	:	:	PUNCT
cblr-1739	149	13	due	due	ADJ
cblr-1739	149	14	process	process	NOUN
cblr-1739	149	15	for	for	ADP
cblr-1739	149	16	automated	automate	VERB
cblr-1739	149	17	predictions	prediction	NOUN
cblr-1739	149	18	,	,	PUNCT
cblr-1739	149	19	89	89	NUM
cblr-1739	149	20	wash	wash	NOUN
cblr-1739	149	21	.	.	PUNCT
cblr-1739	150	1	l.	l.	PROPN
cblr-1739	150	2	rev	rev	PROPN
cblr-1739	150	3	.	.	PROPN
cblr-1739	150	4	1	1	NUM
cblr-1739	150	5	,	,	PUNCT
cblr-1739	150	6	10–16	10–16	NUM
cblr-1739	150	7	(	(	PUNCT
cblr-1739	150	8	2014	2014	NUM
cblr-1739	150	9	)	)	PUNCT
cblr-1739	150	10	(	(	PUNCT
cblr-1739	150	11	criticizing	criticize	VERB
cblr-1739	150	12	credit	credit	NOUN
cblr-1739	150	13	scoring	scoring	NOUN
cblr-1739	150	14	systems	system	NOUN
cblr-1739	150	15	for	for	ADP
cblr-1739	150	16	their	their	PRON
cblr-1739	150	17	opaqueness	opaqueness	NOUN
cblr-1739	150	18	,	,	PUNCT
cblr-1739	150	19	inconsistent	inconsistent	ADJ
cblr-1739	150	20	results	result	NOUN
cblr-1739	150	21	,	,	PUNCT
cblr-1739	150	22	and	and	CCONJ
cblr-1739	150	23	poor	poor	ADJ
cblr-1739	150	24	treatment	treatment	NOUN
cblr-1739	150	25	of	of	ADP
cblr-1739	150	26	women	woman	NOUN
cblr-1739	150	27	and	and	CCONJ
cblr-1739	150	28	minorities	minority	NOUN
cblr-1739	150	29	)	)	PUNCT
cblr-1739	150	30	.	.	PUNCT
cblr-1739	151	1	28	28	NUM
cblr-1739	151	2	see	see	VERB
cblr-1739	151	3	infra	infra	NOUN
cblr-1739	151	4	part	part	NOUN
cblr-1739	151	5	v	v	NOUN
cblr-1739	151	6	(	(	PUNCT
cblr-1739	151	7	arguing	argue	VERB
cblr-1739	151	8	that	that	SCONJ
cblr-1739	151	9	“	"	PUNCT
cblr-1739	151	10	large	large	ADJ
cblr-1739	151	11	data	data	NOUN
cblr-1739	151	12	sets	set	NOUN
cblr-1739	151	13	are	be	AUX
cblr-1739	151	14	prone	prone	ADJ
cblr-1739	151	15	to	to	ADP
cblr-1739	151	16	errors	error	NOUN
cblr-1739	151	17	,	,	PUNCT
cblr-1739	151	18	outages	outage	NOUN
cblr-1739	151	19	,	,	PUNCT
cblr-1739	151	20	and	and	CCONJ
cblr-1739	151	21	losses	loss	NOUN
cblr-1739	151	22	that	that	PRON
cblr-1739	151	23	are	be	AUX
cblr-1739	151	24	amplified	amplify	VERB
cblr-1739	151	25	when	when	SCONJ
cblr-1739	151	26	multiple	multiple	ADJ
cblr-1739	151	27	data	data	NOUN
cblr-1739	151	28	sets	set	NOUN
cblr-1739	151	29	are	be	AUX
cblr-1739	151	30	combined	combine	VERB
cblr-1739	151	31	”	"	PUNCT
cblr-1739	151	32	)	)	PUNCT
cblr-1739	151	33	.	.	PUNCT
cblr-1739	152	1	geslevich	geslevich	PROPN
cblr-1739	152	2	packin	packin	PROPN
cblr-1739	152	3	&	&	CCONJ
cblr-1739	152	4	lev	lev	PROPN
cblr-1739	152	5	-	-	PUNCT
cblr-1739	152	6	aretz	aretz	PROPN
cblr-1739	152	7	–	–	PUNCT
cblr-1739	152	8	final	final	ADJ
cblr-1739	152	9	350	350	NUM
cblr-1739	152	10	columbia	columbia	PROPN
cblr-1739	152	11	business	business	NOUN
cblr-1739	152	12	law	law	PROPN
cblr-1739	152	13	review	review	NOUN
cblr-1739	152	14	[	[	X
cblr-1739	152	15	vol	vol	NOUN
cblr-1739	152	16	.	.	NOUN
cblr-1739	152	17	2016	2016	NUM
cblr-1739	152	18	against	against	ADP
cblr-1739	152	19	the	the	DET
cblr-1739	152	20	backdrop	backdrop	NOUN
cblr-1739	152	21	of	of	ADP
cblr-1739	152	22	broad	broad	ADJ
cblr-1739	152	23	privacy	privacy	NOUN
cblr-1739	152	24	harm	harm	NOUN
cblr-1739	152	25	,	,	PUNCT
cblr-1739	152	26	the	the	DET
cblr-1739	152	27	potential	potential	NOUN
cblr-1739	152	28	of	of	ADP
cblr-1739	152	29	social	social	ADJ
cblr-1739	152	30	segregation	segregation	NOUN
cblr-1739	152	31	,	,	PUNCT
cblr-1739	152	32	and	and	CCONJ
cblr-1739	152	33	algorithmic	algorithmic	ADJ
cblr-1739	152	34	eradication	eradication	NOUN
cblr-1739	152	35	of	of	ADP
cblr-1739	152	36	due	due	ADJ
cblr-1739	152	37	process	process	NOUN
cblr-1739	152	38	tenets	tenet	NOUN
cblr-1739	152	39	,	,	PUNCT
cblr-1739	152	40	we	we	PRON
cblr-1739	152	41	argue	argue	VERB
cblr-1739	152	42	that	that	SCONJ
cblr-1739	152	43	underwriting	underwriting	NOUN
cblr-1739	152	44	should	should	AUX
cblr-1739	152	45	generally	generally	ADV
cblr-1739	152	46	exclude	exclude	VERB
cblr-1739	152	47	social	social	ADJ
cblr-1739	152	48	information	information	NOUN
cblr-1739	152	49	.	.	PUNCT
cblr-1739	153	1	consequently	consequently	ADV
cblr-1739	153	2	,	,	PUNCT
cblr-1739	153	3	we	we	PRON
cblr-1739	153	4	introduce	introduce	VERB
cblr-1739	153	5	a	a	DET
cblr-1739	153	6	limited	limited	ADJ
cblr-1739	153	7	“	"	PUNCT
cblr-1739	153	8	right	right	NOUN
cblr-1739	153	9	to	to	PART
cblr-1739	153	10	be	be	AUX
cblr-1739	153	11	unnetworked	unnetworked	ADJ
cblr-1739	153	12	,	,	PUNCT
cblr-1739	153	13	”	"	PUNCT
cblr-1739	153	14	aimed	aim	VERB
cblr-1739	153	15	at	at	ADP
cblr-1739	153	16	preventing	prevent	VERB
cblr-1739	153	17	financial	financial	ADJ
cblr-1739	153	18	penalties	penalty	NOUN
cblr-1739	153	19	for	for	ADP
cblr-1739	153	20	social	social	ADJ
cblr-1739	153	21	choices	choice	NOUN
cblr-1739	153	22	.	.	PUNCT
cblr-1739	154	1	our	our	PRON
cblr-1739	154	2	proposal	proposal	NOUN
cblr-1739	154	3	intends	intend	VERB
cblr-1739	154	4	to	to	PART
cblr-1739	154	5	confine	confine	VERB
cblr-1739	154	6	the	the	DET
cblr-1739	154	7	use	use	NOUN
cblr-1739	154	8	of	of	ADP
cblr-1739	154	9	social	social	ADJ
cblr-1739	154	10	information	information	NOUN
cblr-1739	154	11	to	to	ADP
cblr-1739	154	12	a	a	DET
cblr-1739	154	13	set	set	NOUN
cblr-1739	154	14	of	of	ADP
cblr-1739	154	15	the	the	DET
cblr-1739	154	16	prescribed	prescribed	ADJ
cblr-1739	154	17	exceptions	exception	NOUN
cblr-1739	154	18	,	,	PUNCT
cblr-1739	154	19	and	and	CCONJ
cblr-1739	154	20	to	to	ADP
cblr-1739	154	21	de	de	X
cblr-1739	154	22	facto	facto	X
cblr-1739	154	23	bestow	bestow	NOUN
cblr-1739	154	24	upon	upon	SCONJ
cblr-1739	154	25	consumers	consumer	NOUN
cblr-1739	154	26	a	a	DET
cblr-1739	154	27	limited	limited	ADJ
cblr-1739	154	28	right	right	NOUN
cblr-1739	154	29	to	to	PART
cblr-1739	154	30	be	be	AUX
cblr-1739	154	31	unnetworked	unnetworked	ADJ
cblr-1739	154	32	.	.	PUNCT
cblr-1739	155	1	this	this	DET
cblr-1739	155	2	proposal	proposal	NOUN
cblr-1739	155	3	attempts	attempt	VERB
cblr-1739	155	4	to	to	PART
cblr-1739	155	5	respond	respond	VERB
cblr-1739	155	6	to	to	ADP
cblr-1739	155	7	the	the	DET
cblr-1739	155	8	rise	rise	NOUN
cblr-1739	155	9	of	of	ADP
cblr-1739	155	10	social	social	ADJ
cblr-1739	155	11	credit	credit	NOUN
cblr-1739	155	12	.	.	PUNCT
cblr-1739	156	1	similar	similar	ADJ
cblr-1739	156	2	to	to	ADP
cblr-1739	156	3	the	the	DET
cblr-1739	156	4	ban	ban	NOUN
cblr-1739	156	5	on	on	ADP
cblr-1739	156	6	the	the	DET
cblr-1739	156	7	use	use	NOUN
cblr-1739	156	8	of	of	ADP
cblr-1739	156	9	medical	medical	ADJ
cblr-1739	156	10	information	information	NOUN
cblr-1739	156	11	for	for	ADP
cblr-1739	156	12	credit	credit	NOUN
cblr-1739	156	13	scoring	scoring	NOUN
cblr-1739	156	14	purposes	purpose	NOUN
cblr-1739	156	15	,	,	PUNCT
cblr-1739	156	16	such	such	DET
cblr-1739	156	17	a	a	DET
cblr-1739	156	18	limited	limited	ADJ
cblr-1739	156	19	right	right	NOUN
cblr-1739	156	20	to	to	PART
cblr-1739	156	21	be	be	AUX
cblr-1739	156	22	unnetworked	unnetworke	VERB
cblr-1739	156	23	weighs	weigh	NOUN
cblr-1739	156	24	non	non	ADJ
cblr-1739	156	25	-	-	ADJ
cblr-1739	156	26	monetary	monetary	ADJ
cblr-1739	156	27	values	value	NOUN
cblr-1739	156	28	in	in	ADP
cblr-1739	156	29	addition	addition	NOUN
cblr-1739	156	30	to	to	ADP
cblr-1739	156	31	financially	financially	ADV
cblr-1739	156	32	sound	sound	ADJ
cblr-1739	156	33	practices	practice	NOUN
cblr-1739	156	34	.	.	PUNCT
cblr-1739	157	1	a	a	DET
cblr-1739	157	2	limited	limited	ADJ
cblr-1739	157	3	right	right	NOUN
cblr-1739	157	4	to	to	PART
cblr-1739	157	5	be	be	AUX
cblr-1739	157	6	unnetworked	unnetworked	ADJ
cblr-1739	157	7	would	would	AUX
cblr-1739	157	8	balance	balance	VERB
cblr-1739	157	9	the	the	DET
cblr-1739	157	10	use	use	NOUN
cblr-1739	157	11	of	of	ADP
cblr-1739	157	12	social	social	ADJ
cblr-1739	157	13	credit	credit	NOUN
cblr-1739	157	14	systems	system	NOUN
cblr-1739	157	15	with	with	ADP
cblr-1739	157	16	the	the	DET
cblr-1739	157	17	goal	goal	NOUN
cblr-1739	157	18	of	of	ADP
cblr-1739	157	19	broadening	broaden	VERB
cblr-1739	157	20	financial	financial	ADJ
cblr-1739	157	21	inclusion	inclusion	NOUN
cblr-1739	157	22	,	,	PUNCT
cblr-1739	157	23	while	while	SCONJ
cblr-1739	157	24	eliminating	eliminate	VERB
cblr-1739	157	25	some	some	PRON
cblr-1739	157	26	of	of	ADP
cblr-1739	157	27	the	the	DET
cblr-1739	157	28	negative	negative	ADJ
cblr-1739	157	29	byproducts	byproduct	NOUN
cblr-1739	157	30	and	and	CCONJ
cblr-1739	157	31	minimizing	minimize	VERB
cblr-1739	157	32	those	those	PRON
cblr-1739	157	33	that	that	PRON
cblr-1739	157	34	can	can	AUX
cblr-1739	157	35	not	not	PART
cblr-1739	157	36	be	be	AUX
cblr-1739	157	37	prevented	prevent	VERB
cblr-1739	157	38	.	.	PUNCT
cblr-1739	158	1	this	this	DET
cblr-1739	158	2	article	article	NOUN
cblr-1739	158	3	consists	consist	VERB
cblr-1739	158	4	of	of	ADP
cblr-1739	158	5	seven	seven	NUM
cblr-1739	158	6	parts	part	NOUN
cblr-1739	158	7	.	.	PUNCT
cblr-1739	159	1	part	part	PROPN
cblr-1739	159	2	ii	ii	PROPN
cblr-1739	159	3	traces	trace	VERB
cblr-1739	159	4	the	the	DET
cblr-1739	159	5	evolution	evolution	NOUN
cblr-1739	159	6	of	of	ADP
cblr-1739	159	7	credit	credit	NOUN
cblr-1739	159	8	scoring	scoring	NOUN
cblr-1739	159	9	models	model	NOUN
cblr-1739	159	10	and	and	CCONJ
cblr-1739	159	11	details	detail	NOUN
cblr-1739	159	12	the	the	DET
cblr-1739	159	13	emergence	emergence	NOUN
cblr-1739	159	14	of	of	ADP
cblr-1739	159	15	social	social	ADJ
cblr-1739	159	16	credit	credit	NOUN
cblr-1739	159	17	systems	system	NOUN
cblr-1739	159	18	.	.	PUNCT
cblr-1739	160	1	part	part	NOUN
cblr-1739	160	2	iii	iii	NUM
cblr-1739	160	3	reviews	review	VERB
cblr-1739	160	4	four	four	NUM
cblr-1739	160	5	types	type	NOUN
cblr-1739	160	6	of	of	ADP
cblr-1739	160	7	consumer	consumer	NOUN
cblr-1739	160	8	responses	response	NOUN
cblr-1739	160	9	to	to	ADP
cblr-1739	160	10	social	social	ADJ
cblr-1739	160	11	credit	credit	NOUN
cblr-1739	160	12	.	.	PUNCT
cblr-1739	161	1	part	part	NOUN
cblr-1739	161	2	iv	iv	NUM
cblr-1739	161	3	discusses	discuss	VERB
cblr-1739	161	4	direct	direct	ADJ
cblr-1739	161	5	and	and	CCONJ
cblr-1739	161	6	derivative	derivative	ADJ
cblr-1739	161	7	privacy	privacy	NOUN
cblr-1739	161	8	challenges	challenge	NOUN
cblr-1739	161	9	posed	pose	VERB
cblr-1739	161	10	by	by	ADP
cblr-1739	161	11	social	social	ADJ
cblr-1739	161	12	credit	credit	NOUN
cblr-1739	161	13	systems	system	NOUN
cblr-1739	161	14	.	.	PUNCT
cblr-1739	162	1	part	part	NOUN
cblr-1739	162	2	v	v	PROPN
cblr-1739	162	3	continues	continue	VERB
cblr-1739	162	4	to	to	PART
cblr-1739	162	5	describe	describe	VERB
cblr-1739	162	6	the	the	DET
cblr-1739	162	7	risk	risk	NOUN
cblr-1739	162	8	of	of	ADP
cblr-1739	162	9	social	social	ADJ
cblr-1739	162	10	segregation	segregation	NOUN
cblr-1739	162	11	,	,	PUNCT
cblr-1739	162	12	which	which	PRON
cblr-1739	162	13	is	be	AUX
cblr-1739	162	14	a	a	DET
cblr-1739	162	15	natural	natural	ADJ
cblr-1739	162	16	consequence	consequence	NOUN
cblr-1739	162	17	of	of	ADP
cblr-1739	162	18	online	online	ADJ
cblr-1739	162	19	social	social	ADJ
cblr-1739	162	20	cleanup	cleanup	NOUN
cblr-1739	162	21	.	.	PUNCT
cblr-1739	163	1	part	part	NOUN
cblr-1739	163	2	vi	vi	PROPN
cblr-1739	163	3	spotlights	spotlight	NOUN
cblr-1739	163	4	due	due	ADJ
cblr-1739	163	5	process	process	NOUN
cblr-1739	163	6	violations	violation	NOUN
cblr-1739	163	7	that	that	PRON
cblr-1739	163	8	computerized	computerize	VERB
cblr-1739	163	9	algorithmic	algorithmic	ADJ
cblr-1739	163	10	decision	decision	NOUN
cblr-1739	163	11	-	-	PUNCT
cblr-1739	163	12	making	making	NOUN
cblr-1739	163	13	may	may	AUX
cblr-1739	163	14	engender	engender	VERB
cblr-1739	163	15	.	.	PUNCT
cblr-1739	164	1	part	part	NOUN
cblr-1739	164	2	vii	vii	PROPN
cblr-1739	164	3	introduces	introduce	VERB
cblr-1739	164	4	the	the	DET
cblr-1739	164	5	limited	limited	ADJ
cblr-1739	164	6	right	right	NOUN
cblr-1739	164	7	to	to	PART
cblr-1739	164	8	be	be	AUX
cblr-1739	164	9	unnetworked	unnetworke	VERB
cblr-1739	164	10	after	after	ADP
cblr-1739	164	11	ruling	rule	VERB
cblr-1739	164	12	out	out	ADP
cblr-1739	164	13	disclosure	disclosure	NOUN
cblr-1739	164	14	-	-	PUNCT
cblr-1739	164	15	based	base	VERB
cblr-1739	164	16	and	and	CCONJ
cblr-1739	164	17	disparate	disparate	ADJ
cblr-1739	164	18	impact	impact	NOUN
cblr-1739	164	19	solutions	solution	NOUN
cblr-1739	164	20	.	.	PUNCT
cblr-1739	165	1	a	a	DET
cblr-1739	165	2	brief	brief	ADJ
cblr-1739	165	3	conclusion	conclusion	NOUN
cblr-1739	165	4	follows	follow	VERB
cblr-1739	165	5	the	the	DET
cblr-1739	165	6	seventh	seventh	ADJ
cblr-1739	165	7	part	part	NOUN
cblr-1739	165	8	.	.	PUNCT
cblr-1739	166	1	ii	ii	PROPN
cblr-1739	166	2	.	.	PROPN
cblr-1739	167	1	from	from	ADP
cblr-1739	167	2	a	a	DET
cblr-1739	167	3	faceless	faceless	ADJ
cblr-1739	167	4	credit	credit	NOUN
cblr-1739	167	5	to	to	ADP
cblr-1739	167	6	a	a	DET
cblr-1739	167	7	social	social	ADJ
cblr-1739	167	8	score	score	NOUN
cblr-1739	167	9	a.	a.	NOUN
cblr-1739	167	10	history	history	NOUN
cblr-1739	167	11	of	of	ADP
cblr-1739	167	12	traditional	traditional	ADJ
cblr-1739	167	13	credit	credit	NOUN
cblr-1739	167	14	scoring	scoring	NOUN
cblr-1739	167	15	a	a	DET
cblr-1739	167	16	credit	credit	NOUN
cblr-1739	167	17	score	score	NOUN
cblr-1739	167	18	is	be	AUX
cblr-1739	167	19	a	a	DET
cblr-1739	167	20	numerical	numerical	ADJ
cblr-1739	167	21	expression	expression	NOUN
cblr-1739	167	22	based	base	VERB
cblr-1739	167	23	on	on	ADP
cblr-1739	167	24	a	a	DET
cblr-1739	167	25	statistical	statistical	ADJ
cblr-1739	167	26	formula	formula	NOUN
cblr-1739	167	27	to	to	PART
cblr-1739	167	28	evaluate	evaluate	VERB
cblr-1739	167	29	an	an	DET
cblr-1739	167	30	individual	individual	NOUN
cblr-1739	167	31	’s	’s	PART
cblr-1739	167	32	financial	financial	ADJ
cblr-1739	167	33	geslevich	geslevich	PROPN
cblr-1739	167	34	packin	packin	PROPN
cblr-1739	167	35	&	&	CCONJ
cblr-1739	167	36	lev	lev	PROPN
cblr-1739	167	37	-	-	PUNCT
cblr-1739	167	38	aretz	aretz	PROPN
cblr-1739	167	39	–	–	PUNCT
cblr-1739	167	40	final	final	ADJ
cblr-1739	167	41	no	no	NOUN
cblr-1739	167	42	.	.	PUNCT
cblr-1739	168	1	2:339	2:339	NUM
cblr-1739	168	2	]	]	X
cblr-1739	168	3	on	on	ADP
cblr-1739	168	4	social	social	ADJ
cblr-1739	168	5	credit	credit	NOUN
cblr-1739	168	6	351	351	NUM
cblr-1739	168	7	health	health	NOUN
cblr-1739	168	8	and	and	CCONJ
cblr-1739	168	9	creditworthiness	creditworthiness	NOUN
cblr-1739	168	10	at	at	ADP
cblr-1739	168	11	a	a	DET
cblr-1739	168	12	given	give	VERB
cblr-1739	168	13	point	point	NOUN
cblr-1739	168	14	in	in	ADP
cblr-1739	168	15	time.29	time.29	NOUN
cblr-1739	168	16	by	by	ADP
cblr-1739	168	17	comparing	compare	VERB
cblr-1739	168	18	a	a	DET
cblr-1739	168	19	potential	potential	ADJ
cblr-1739	168	20	borrower	borrower	NOUN
cblr-1739	168	21	’s	’s	PART
cblr-1739	168	22	weighted	weight	VERB
cblr-1739	168	23	values	value	NOUN
cblr-1739	168	24	with	with	ADP
cblr-1739	168	25	an	an	DET
cblr-1739	168	26	actual	actual	ADJ
cblr-1739	168	27	borrower	borrower	NOUN
cblr-1739	168	28	’s	’s	PART
cblr-1739	168	29	weighted	weight	VERB
cblr-1739	168	30	values	value	NOUN
cblr-1739	168	31	,	,	PUNCT
cblr-1739	168	32	credit	credit	NOUN
cblr-1739	168	33	-	-	PUNCT
cblr-1739	168	34	scoring	score	VERB
cblr-1739	168	35	systems	system	NOUN
cblr-1739	168	36	calculate	calculate	VERB
cblr-1739	168	37	the	the	DET
cblr-1739	168	38	specific	specific	ADJ
cblr-1739	168	39	level	level	NOUN
cblr-1739	168	40	of	of	ADP
cblr-1739	168	41	risk	risk	NOUN
cblr-1739	168	42	that	that	SCONJ
cblr-1739	168	43	a	a	DET
cblr-1739	168	44	person	person	NOUN
cblr-1739	168	45	or	or	CCONJ
cblr-1739	168	46	entity	entity	NOUN
cblr-1739	168	47	brings	bring	VERB
cblr-1739	168	48	to	to	ADP
cblr-1739	168	49	a	a	DET
cblr-1739	168	50	particular	particular	ADJ
cblr-1739	168	51	transaction.30	transaction.30	VERB
cblr-1739	168	52	the	the	DET
cblr-1739	168	53	retail	retail	ADJ
cblr-1739	168	54	and	and	CCONJ
cblr-1739	168	55	banking	banking	NOUN
cblr-1739	168	56	industries	industry	NOUN
cblr-1739	168	57	were	be	AUX
cblr-1739	168	58	the	the	DET
cblr-1739	168	59	first	first	ADJ
cblr-1739	168	60	to	to	PART
cblr-1739	168	61	assess	assess	VERB
cblr-1739	168	62	the	the	DET
cblr-1739	168	63	financial	financial	ADJ
cblr-1739	168	64	trustworthiness	trustworthiness	NOUN
cblr-1739	168	65	of	of	ADP
cblr-1739	168	66	potential	potential	ADJ
cblr-1739	168	67	borrowers	borrower	NOUN
cblr-1739	168	68	in	in	ADP
cblr-1739	168	69	the	the	DET
cblr-1739	168	70	united	united	PROPN
cblr-1739	168	71	states.31	states.31	PROPN
cblr-1739	168	72	as	as	SCONJ
cblr-1739	168	73	time	time	NOUN
cblr-1739	168	74	passed	pass	VERB
cblr-1739	168	75	,	,	PUNCT
cblr-1739	168	76	banks	bank	NOUN
cblr-1739	168	77	delegated	delegate	VERB
cblr-1739	168	78	lending	lending	NOUN
cblr-1739	168	79	decisions	decision	NOUN
cblr-1739	168	80	to	to	ADP
cblr-1739	168	81	individual	individual	ADJ
cblr-1739	168	82	experts	expert	NOUN
cblr-1739	168	83	,	,	PUNCT
cblr-1739	168	84	and	and	CCONJ
cblr-1739	168	85	later	later	ADV
cblr-1739	168	86	to	to	ADP
cblr-1739	168	87	specialized	specialized	ADJ
cblr-1739	168	88	finance	finance	NOUN
cblr-1739	168	89	companies.32	companies.32	PROPN
cblr-1739	168	90	fico	fico	PROPN
cblr-1739	168	91	first	first	ADV
cblr-1739	168	92	devised	devise	VERB
cblr-1739	168	93	its	its	PRON
cblr-1739	168	94	ranking	rank	VERB
cblr-1739	168	95	formula	formula	NOUN
cblr-1739	168	96	in	in	ADP
cblr-1739	168	97	the	the	DET
cblr-1739	168	98	1950s	1950	NOUN
cblr-1739	168	99	and	and	CCONJ
cblr-1739	168	100	has	have	AUX
cblr-1739	168	101	since	since	SCONJ
cblr-1739	168	102	established	establish	VERB
cblr-1739	168	103	itself	itself	PRON
cblr-1739	168	104	as	as	ADP
cblr-1739	168	105	an	an	DET
cblr-1739	168	106	industry	industry	NOUN
cblr-1739	168	107	standard	standard	NOUN
cblr-1739	168	108	for	for	ADP
cblr-1739	168	109	consumer	consumer	NOUN
cblr-1739	168	110	credit	credit	NOUN
cblr-1739	168	111	of	of	ADP
cblr-1739	168	112	all	all	DET
cblr-1739	168	113	kinds.33	kinds.33	PROPN
cblr-1739	168	114	even	even	ADV
cblr-1739	168	115	though	though	SCONJ
cblr-1739	168	116	fico	fico	NOUN
cblr-1739	168	117	provides	provide	VERB
cblr-1739	168	118	scoring	scoring	NOUN
cblr-1739	168	119	blueprints	blueprint	NOUN
cblr-1739	168	120	to	to	ADP
cblr-1739	168	121	the	the	DET
cblr-1739	168	122	three	three	NUM
cblr-1739	168	123	major	major	ADJ
cblr-1739	168	124	credit	credit	NOUN
cblr-1739	168	125	bureaus	bureaus	NOUN
cblr-1739	168	126	—	—	PUNCT
cblr-1739	168	127	equifax	equifax	NOUN
cblr-1739	168	128	,	,	PUNCT
cblr-1739	168	129	transunion	transunion	NOUN
cblr-1739	168	130	,	,	PUNCT
cblr-1739	168	131	and	and	CCONJ
cblr-1739	168	132	experian	experian	ADJ
cblr-1739	168	133	—	—	PUNCT
cblr-1739	168	134	cases	case	NOUN
cblr-1739	168	135	of	of	ADP
cblr-1739	168	136	conflicting	conflicting	ADJ
cblr-1739	168	137	scores	score	NOUN
cblr-1739	168	138	are	be	AUX
cblr-1739	168	139	common	common	ADJ
cblr-1739	168	140	because	because	SCONJ
cblr-1739	168	141	each	each	DET
cblr-1739	168	142	agency	agency	NOUN
cblr-1739	168	143	applies	apply	VERB
cblr-1739	168	144	its	its	PRON
cblr-1739	168	145	own	own	ADJ
cblr-1739	168	146	individual	individual	ADJ
cblr-1739	168	147	model.34	model.34	NOUN
cblr-1739	168	148	adding	add	VERB
cblr-1739	168	149	to	to	ADP
cblr-1739	168	150	the	the	DET
cblr-1739	168	151	complexity	complexity	NOUN
cblr-1739	168	152	and	and	CCONJ
cblr-1739	168	153	variation	variation	NOUN
cblr-1739	168	154	,	,	PUNCT
cblr-1739	168	155	specific	specific	ADJ
cblr-1739	168	156	industries	industry	NOUN
cblr-1739	168	157	use	use	VERB
cblr-1739	168	158	specialized	specialized	ADJ
cblr-1739	168	159	versions	version	NOUN
cblr-1739	168	160	of	of	ADP
cblr-1739	168	161	29	29	NUM
cblr-1739	168	162	see	see	VERB
cblr-1739	168	163	hussein	hussein	PROPN
cblr-1739	168	164	a.	a.	PROPN
cblr-1739	168	165	abdou	abdou	PROPN
cblr-1739	168	166	&	&	CCONJ
cblr-1739	168	167	john	john	PROPN
cblr-1739	168	168	pointon	pointon	PROPN
cblr-1739	168	169	,	,	PUNCT
cblr-1739	168	170	credit	credit	NOUN
cblr-1739	168	171	scoring	scoring	NOUN
cblr-1739	168	172	,	,	PUNCT
cblr-1739	168	173	statistical	statistical	ADJ
cblr-1739	168	174	techniques	technique	NOUN
cblr-1739	168	175	and	and	CCONJ
cblr-1739	168	176	evaluation	evaluation	NOUN
cblr-1739	168	177	criteria	criterion	NOUN
cblr-1739	168	178	:	:	PUNCT
cblr-1739	168	179	a	a	DET
cblr-1739	168	180	review	review	NOUN
cblr-1739	168	181	of	of	ADP
cblr-1739	168	182	the	the	DET
cblr-1739	168	183	literature	literature	NOUN
cblr-1739	168	184	,	,	PUNCT
cblr-1739	168	185	18	18	NUM
cblr-1739	168	186	intelligent	intelligent	ADJ
cblr-1739	168	187	systems	system	NOUN
cblr-1739	168	188	acct	acct	NOUN
cblr-1739	168	189	.	.	PUNCT
cblr-1739	169	1	fin	fin	PROPN
cblr-1739	169	2	.	.	PUNCT
cblr-1739	169	3	&	&	CCONJ
cblr-1739	169	4	mgmt	mgmt	PROPN
cblr-1739	169	5	.	.	PROPN
cblr-1739	170	1	59	59	NUM
cblr-1739	170	2	,	,	PUNCT
cblr-1739	170	3	62	62	NUM
cblr-1739	170	4	(	(	PUNCT
cblr-1739	170	5	2011	2011	NUM
cblr-1739	170	6	)	)	PUNCT
cblr-1739	170	7	for	for	ADP
cblr-1739	170	8	the	the	DET
cblr-1739	170	9	different	different	ADJ
cblr-1739	170	10	definitions	definition	NOUN
cblr-1739	170	11	of	of	ADP
cblr-1739	170	12	credit	credit	NOUN
cblr-1739	170	13	scoring	scoring	NOUN
cblr-1739	170	14	.	.	PUNCT
cblr-1739	171	1	30	30	NUM
cblr-1739	171	2	see	see	VERB
cblr-1739	171	3	o’neill	o’neill	PROPN
cblr-1739	171	4	,	,	PUNCT
cblr-1739	171	5	supra	supra	ADJ
cblr-1739	171	6	note	note	NOUN
cblr-1739	171	7	2	2	NUM
cblr-1739	171	8	,	,	PUNCT
cblr-1739	171	9	at	at	ADP
cblr-1739	171	10	152	152	NUM
cblr-1739	171	11	(	(	PUNCT
cblr-1739	171	12	“	"	PUNCT
cblr-1739	171	13	[	[	X
cblr-1739	171	14	a	a	X
cblr-1739	171	15	]	]	X
cblr-1739	171	16	consumer	consumer	NOUN
cblr-1739	171	17	credit	credit	NOUN
cblr-1739	171	18	score	score	NOUN
cblr-1739	171	19	is	be	AUX
cblr-1739	171	20	calculated	calculate	VERB
cblr-1739	171	21	to	to	PART
cblr-1739	171	22	represent	represent	VERB
cblr-1739	171	23	the	the	DET
cblr-1739	171	24	particular	particular	ADJ
cblr-1739	171	25	level	level	NOUN
cblr-1739	171	26	of	of	ADP
cblr-1739	171	27	risk	risk	NOUN
cblr-1739	171	28	that	that	SCONJ
cblr-1739	171	29	the	the	DET
cblr-1739	171	30	individual	individual	ADJ
cblr-1739	171	31	consumer	consumer	NOUN
cblr-1739	171	32	poses	pose	NOUN
cblr-1739	171	33	in	in	ADP
cblr-1739	171	34	a	a	DET
cblr-1739	171	35	commercial	commercial	ADJ
cblr-1739	171	36	transaction	transaction	NOUN
cblr-1739	171	37	.	.	PUNCT
cblr-1739	171	38	”	"	PUNCT
cblr-1739	171	39	)	)	PUNCT
cblr-1739	171	40	.	.	PUNCT
cblr-1739	172	1	31	31	NUM
cblr-1739	172	2	see	see	VERB
cblr-1739	172	3	citron	citron	NOUN
cblr-1739	172	4	&	&	CCONJ
cblr-1739	172	5	pasquale	pasquale	PROPN
cblr-1739	172	6	,	,	PUNCT
cblr-1739	172	7	supra	supra	PROPN
cblr-1739	172	8	note	note	PROPN
cblr-1739	172	9	27	27	NUM
cblr-1739	172	10	,	,	PUNCT
cblr-1739	172	11	at	at	ADP
cblr-1739	172	12	8–9	8–9	PROPN
cblr-1739	172	13	(	(	PUNCT
cblr-1739	172	14	presenting	present	VERB
cblr-1739	172	15	the	the	DET
cblr-1739	172	16	history	history	NOUN
cblr-1739	172	17	of	of	ADP
cblr-1739	172	18	credit	credit	NOUN
cblr-1739	172	19	scoring	scoring	NOUN
cblr-1739	172	20	systems	system	NOUN
cblr-1739	172	21	)	)	PUNCT
cblr-1739	172	22	.	.	PUNCT
cblr-1739	173	1	32	32	NUM
cblr-1739	173	2	see	see	VERB
cblr-1739	173	3	i	i	PROPN
cblr-1739	173	4	d.	d.	PROPN
cblr-1739	173	5	(	(	PUNCT
cblr-1739	173	6	noting	note	VERB
cblr-1739	173	7	that	that	SCONJ
cblr-1739	173	8	experts	expert	NOUN
cblr-1739	173	9	were	be	AUX
cblr-1739	173	10	eventually	eventually	ADV
cblr-1739	173	11	“	"	PUNCT
cblr-1739	173	12	entrusted	entrust	VERB
cblr-1739	173	13	to	to	PART
cblr-1739	173	14	make	make	VERB
cblr-1739	173	15	lending	lending	NOUN
cblr-1739	173	16	decisions	decision	NOUN
cblr-1739	173	17	”	"	PUNCT
cblr-1739	173	18	and	and	CCONJ
cblr-1739	173	19	that	that	SCONJ
cblr-1739	173	20	specialized	specialized	ADJ
cblr-1739	173	21	finance	finance	NOUN
cblr-1739	173	22	companies	company	NOUN
cblr-1739	173	23	“	"	PUNCT
cblr-1739	173	24	entered	enter	VERB
cblr-1739	173	25	the	the	DET
cblr-1739	173	26	mix	mix	NOUN
cblr-1739	173	27	”	"	PUNCT
cblr-1739	173	28	after	after	ADP
cblr-1739	173	29	world	world	PROPN
cblr-1739	173	30	war	war	PROPN
cblr-1739	173	31	ii	ii	PROPN
cblr-1739	173	32	)	)	PUNCT
cblr-1739	173	33	.	.	PUNCT
cblr-1739	174	1	33	33	NUM
cblr-1739	174	2	see	see	VERB
cblr-1739	174	3	nate	nate	PROPN
cblr-1739	174	4	cullerton	cullerton	PROPN
cblr-1739	174	5	,	,	PUNCT
cblr-1739	174	6	behavioral	behavioral	ADJ
cblr-1739	174	7	credit	credit	NOUN
cblr-1739	174	8	scoring	scoring	NOUN
cblr-1739	174	9	,	,	PUNCT
cblr-1739	174	10	101	101	NUM
cblr-1739	174	11	geo	geo	PROPN
cblr-1739	174	12	.	.	PUNCT
cblr-1739	175	1	l.j	l.j	PROPN
cblr-1739	175	2	.	.	PROPN
cblr-1739	175	3	807	807	NUM
cblr-1739	175	4	,	,	PUNCT
cblr-1739	175	5	810	810	NUM
cblr-1739	175	6	(	(	PUNCT
cblr-1739	175	7	2013	2013	NUM
cblr-1739	175	8	)	)	PUNCT
cblr-1739	175	9	;	;	PUNCT
cblr-1739	175	10	see	see	VERB
cblr-1739	175	11	also	also	ADV
cblr-1739	175	12	alloway	alloway	PROPN
cblr-1739	175	13	,	,	PUNCT
cblr-1739	175	14	supra	supra	PROPN
cblr-1739	175	15	note	note	NOUN
cblr-1739	175	16	9	9	NUM
cblr-1739	175	17	(	(	PUNCT
cblr-1739	175	18	“	"	PUNCT
cblr-1739	175	19	by	by	ADP
cblr-1739	175	20	1995	1995	NUM
cblr-1739	175	21	freddie	freddie	PROPN
cblr-1739	175	22	mac	mac	PROPN
cblr-1739	175	23	and	and	CCONJ
cblr-1739	175	24	fannie	fannie	PROPN
cblr-1739	175	25	mae	mae	PROPN
cblr-1739	175	26	,	,	PUNCT
cblr-1739	175	27	the	the	DET
cblr-1739	175	28	us	us	PROPN
cblr-1739	175	29	government	government	NOUN
cblr-1739	175	30	’s	’s	PART
cblr-1739	175	31	housing	housing	NOUN
cblr-1739	175	32	finance	finance	NOUN
cblr-1739	175	33	agencies	agency	NOUN
cblr-1739	175	34	,	,	PUNCT
cblr-1739	175	35	endorsed	endorse	VERB
cblr-1739	175	36	the	the	DET
cblr-1739	175	37	use	use	NOUN
cblr-1739	175	38	of	of	ADP
cblr-1739	175	39	credit	credit	NOUN
cblr-1739	175	40	scores	score	NOUN
cblr-1739	175	41	as	as	ADP
cblr-1739	175	42	part	part	NOUN
cblr-1739	175	43	of	of	ADP
cblr-1739	175	44	the	the	DET
cblr-1739	175	45	mortgage	mortgage	NOUN
cblr-1739	175	46	underwriting	underwriting	NOUN
cblr-1739	175	47	process	process	NOUN
cblr-1739	175	48	,	,	PUNCT
cblr-1739	175	49	embedding	embed	VERB
cblr-1739	175	50	them	they	PRON
cblr-1739	175	51	in	in	ADP
cblr-1739	175	52	the	the	DET
cblr-1739	175	53	fabric	fabric	NOUN
cblr-1739	175	54	of	of	ADP
cblr-1739	175	55	the	the	DET
cblr-1739	175	56	american	american	ADJ
cblr-1739	175	57	financial	financial	ADJ
cblr-1739	175	58	system	system	NOUN
cblr-1739	175	59	.	.	PUNCT
cblr-1739	176	1	by	by	ADP
cblr-1739	176	2	2000	2000	NUM
cblr-1739	176	3	,	,	PUNCT
cblr-1739	176	4	fico	fico	NOUN
cblr-1739	176	5	scores	score	NOUN
cblr-1739	176	6	were	be	AUX
cblr-1739	176	7	used	use	VERB
cblr-1739	176	8	in	in	ADP
cblr-1739	176	9	more	more	ADJ
cblr-1739	176	10	than	than	ADP
cblr-1739	176	11	75	75	NUM
cblr-1739	176	12	per	per	ADP
cblr-1739	176	13	cent	cent	NOUN
cblr-1739	176	14	of	of	ADP
cblr-1739	176	15	home	home	NOUN
cblr-1739	176	16	mortgage	mortgage	NOUN
cblr-1739	176	17	originations	origination	NOUN
cblr-1739	176	18	.	.	PUNCT
cblr-1739	177	1	in	in	ADP
cblr-1739	177	2	2015	2015	NUM
cblr-1739	177	3	,	,	PUNCT
cblr-1739	177	4	[	[	X
cblr-1739	177	5	fico	fico	X
cblr-1739	177	6	]	]	PUNCT
cblr-1739	177	7	says	say	VERB
cblr-1739	177	8	its	its	PRON
cblr-1739	177	9	scores	score	NOUN
cblr-1739	177	10	are	be	AUX
cblr-1739	177	11	used	use	VERB
cblr-1739	177	12	in	in	ADP
cblr-1739	177	13	more	more	ADJ
cblr-1739	177	14	than	than	ADP
cblr-1739	177	15	90	90	NUM
cblr-1739	177	16	per	per	ADP
cblr-1739	177	17	cent	cent	NOUN
cblr-1739	177	18	of	of	ADP
cblr-1739	177	19	lending	lending	NOUN
cblr-1739	177	20	decisions	decision	NOUN
cblr-1739	177	21	.	.	PUNCT
cblr-1739	177	22	”	"	PUNCT
cblr-1739	177	23	)	)	PUNCT
cblr-1739	177	24	.	.	PUNCT
cblr-1739	178	1	34	34	NUM
cblr-1739	178	2	see	see	VERB
cblr-1739	178	3	kurt	kurt	PROPN
cblr-1739	178	4	eggert	eggert	PROPN
cblr-1739	178	5	,	,	PUNCT
cblr-1739	178	6	the	the	DET
cblr-1739	178	7	great	great	ADJ
cblr-1739	178	8	collapse	collapse	NOUN
cblr-1739	178	9	:	:	PUNCT
cblr-1739	178	10	how	how	SCONJ
cblr-1739	178	11	securitization	securitization	NOUN
cblr-1739	178	12	caused	cause	VERB
cblr-1739	178	13	the	the	DET
cblr-1739	178	14	subprime	subprime	ADJ
cblr-1739	178	15	meltdown	meltdown	NOUN
cblr-1739	178	16	,	,	PUNCT
cblr-1739	178	17	41	41	NUM
cblr-1739	178	18	conn	conn	PROPN
cblr-1739	178	19	.	.	PROPN
cblr-1739	178	20	l.	l.	PROPN
cblr-1739	178	21	rev	rev	PROPN
cblr-1739	178	22	.	.	PROPN
cblr-1739	178	23	1257	1257	NUM
cblr-1739	178	24	,	,	PUNCT
cblr-1739	178	25	1270	1270	NUM
cblr-1739	178	26	(	(	PUNCT
cblr-1739	178	27	2009	2009	NUM
cblr-1739	178	28	)	)	PUNCT
cblr-1739	178	29	(	(	PUNCT
cblr-1739	178	30	noting	note	VERB
cblr-1739	178	31	that	that	SCONJ
cblr-1739	178	32	the	the	DET
cblr-1739	178	33	three	three	NUM
cblr-1739	178	34	separate	separate	ADJ
cblr-1739	178	35	credit	credit	NOUN
cblr-1739	178	36	agencies	agency	NOUN
cblr-1739	178	37	can	can	AUX
cblr-1739	178	38	produce	produce	VERB
cblr-1739	178	39	varying	vary	VERB
cblr-1739	178	40	scores	score	NOUN
cblr-1739	178	41	due	due	ADP
cblr-1739	178	42	to	to	ADP
cblr-1739	178	43	their	their	PRON
cblr-1739	178	44	distinct	distinct	ADJ
cblr-1739	178	45	models	model	NOUN
cblr-1739	178	46	)	)	PUNCT
cblr-1739	178	47	.	.	PUNCT
cblr-1739	179	1	geslevich	geslevich	PROPN
cblr-1739	179	2	packin	packin	PROPN
cblr-1739	179	3	&	&	CCONJ
cblr-1739	179	4	lev	lev	PROPN
cblr-1739	179	5	-	-	PUNCT
cblr-1739	179	6	aretz	aretz	PROPN
cblr-1739	179	7	–	–	PUNCT
cblr-1739	179	8	final	final	ADJ
cblr-1739	179	9	352	352	NUM
cblr-1739	179	10	columbia	columbia	PROPN
cblr-1739	179	11	business	business	NOUN
cblr-1739	179	12	law	law	PROPN
cblr-1739	179	13	review	review	NOUN
cblr-1739	180	1	[	[	X
cblr-1739	180	2	vol	vol	NOUN
cblr-1739	180	3	.	.	NOUN
cblr-1739	180	4	2016	2016	NUM
cblr-1739	180	5	credit	credit	NOUN
cblr-1739	180	6	scores.35	scores.35	NOUN
cblr-1739	180	7	within	within	ADP
cblr-1739	180	8	the	the	DET
cblr-1739	180	9	credit	credit	NOUN
cblr-1739	180	10	-	-	PUNCT
cblr-1739	180	11	card	card	NOUN
cblr-1739	180	12	underwriting	underwriting	NOUN
cblr-1739	180	13	and	and	CCONJ
cblr-1739	180	14	certain	certain	ADJ
cblr-1739	180	15	personal	personal	ADJ
cblr-1739	180	16	-	-	PUNCT
cblr-1739	180	17	financial	financial	ADJ
cblr-1739	180	18	applications	application	NOUN
cblr-1739	180	19	industries	industry	NOUN
cblr-1739	180	20	,	,	PUNCT
cblr-1739	180	21	vantagescore	vantagescore	NOUN
cblr-1739	180	22	,	,	PUNCT
cblr-1739	180	23	which	which	PRON
cblr-1739	180	24	was	be	AUX
cblr-1739	180	25	jointly	jointly	ADV
cblr-1739	180	26	developed	develop	VERB
cblr-1739	180	27	by	by	ADP
cblr-1739	180	28	the	the	DET
cblr-1739	180	29	three	three	NUM
cblr-1739	180	30	major	major	ADJ
cblr-1739	180	31	repositories	repository	NOUN
cblr-1739	180	32	,	,	PUNCT
cblr-1739	180	33	has	have	AUX
cblr-1739	180	34	grown	grow	VERB
cblr-1739	180	35	to	to	PART
cblr-1739	180	36	be	be	AUX
cblr-1739	180	37	the	the	DET
cblr-1739	180	38	prevailing	prevail	VERB
cblr-1739	180	39	score.36	score.36	NOUN
cblr-1739	180	40	proprietary	proprietary	ADJ
cblr-1739	180	41	algorithms	algorithm	NOUN
cblr-1739	180	42	labeled	label	VERB
cblr-1739	180	43	as	as	SCONJ
cblr-1739	180	44	trade	trade	NOUN
cblr-1739	180	45	secrets	secret	NOUN
cblr-1739	180	46	protect	protect	VERB
cblr-1739	180	47	the	the	DET
cblr-1739	180	48	exact	exact	ADJ
cblr-1739	180	49	scoring	scoring	NOUN
cblr-1739	180	50	methods	method	NOUN
cblr-1739	180	51	for	for	ADP
cblr-1739	180	52	all	all	DET
cblr-1739	180	53	credit	credit	NOUN
cblr-1739	180	54	scores.37	scores.37	NOUN
cblr-1739	180	55	creditrating	creditrate	VERB
cblr-1739	180	56	companies	company	NOUN
cblr-1739	180	57	justify	justify	VERB
cblr-1739	180	58	secrecy	secrecy	NOUN
cblr-1739	180	59	as	as	ADP
cblr-1739	180	60	a	a	DET
cblr-1739	180	61	means	means	NOUN
cblr-1739	180	62	to	to	PART
cblr-1739	180	63	keep	keep	VERB
cblr-1739	180	64	competitors	competitor	NOUN
cblr-1739	180	65	from	from	ADP
cblr-1739	180	66	learning	learn	VERB
cblr-1739	180	67	how	how	SCONJ
cblr-1739	180	68	their	their	PRON
cblr-1739	180	69	systems	system	NOUN
cblr-1739	180	70	are	be	AUX
cblr-1739	180	71	built	build	VERB
cblr-1739	180	72	and	and	CCONJ
cblr-1739	180	73	operated	operate	VERB
cblr-1739	180	74	,	,	PUNCT
cblr-1739	180	75	and	and	CCONJ
cblr-1739	180	76	to	to	PART
cblr-1739	180	77	prevent	prevent	VERB
cblr-1739	180	78	scored	score	VERB
cblr-1739	180	79	individuals	individual	NOUN
cblr-1739	180	80	from	from	ADP
cblr-1739	180	81	deceiving	deceive	VERB
cblr-1739	180	82	the	the	DET
cblr-1739	180	83	lender	lender	NOUN
cblr-1739	180	84	by	by	ADP
cblr-1739	180	85	falsifying	falsify	VERB
cblr-1739	180	86	their	their	PRON
cblr-1739	180	87	applications	application	NOUN
cblr-1739	180	88	to	to	PART
cblr-1739	180	89	reach	reach	VERB
cblr-1739	180	90	a	a	DET
cblr-1739	180	91	desired	desire	VERB
cblr-1739	180	92	score.38	score.38	NOUN
cblr-1739	180	93	nevertheless	nevertheless	ADV
cblr-1739	180	94	,	,	PUNCT
cblr-1739	180	95	critics	critic	NOUN
cblr-1739	180	96	claim	claim	VERB
cblr-1739	180	97	that	that	SCONJ
cblr-1739	180	98	the	the	DET
cblr-1739	180	99	opacity	opacity	NOUN
cblr-1739	180	100	surrounding	surround	VERB
cblr-1739	180	101	existing	exist	VERB
cblr-1739	180	102	scoring	scoring	NOUN
cblr-1739	180	103	methods	method	NOUN
cblr-1739	180	104	disallows	disallow	VERB
cblr-1739	180	105	consumers	consumer	NOUN
cblr-1739	180	106	,	,	PUNCT
cblr-1739	180	107	advocates	advocate	NOUN
cblr-1739	180	108	,	,	PUNCT
cblr-1739	180	109	and	and	CCONJ
cblr-1739	180	110	regulators	regulator	NOUN
cblr-1739	180	111	from	from	ADP
cblr-1739	180	112	challenging	challenge	VERB
cblr-1739	180	113	those	those	DET
cblr-1739	180	114	models.39	models.39	NOUN
cblr-1739	180	115	the	the	DET
cblr-1739	180	116	lack	lack	NOUN
cblr-1739	180	117	of	of	ADP
cblr-1739	180	118	an	an	DET
cblr-1739	180	119	industry	industry	NOUN
cblr-1739	180	120	-	-	PUNCT
cblr-1739	180	121	wide	wide	ADJ
cblr-1739	180	122	standard	standard	ADJ
cblr-1739	180	123	mathematical	mathematical	ADJ
cblr-1739	180	124	model	model	NOUN
cblr-1739	180	125	for	for	ADP
cblr-1739	180	126	use	use	NOUN
cblr-1739	180	127	in	in	ADP
cblr-1739	180	128	insurance	insurance	NOUN
cblr-1739	180	129	credit	credit	NOUN
cblr-1739	180	130	scoring	scoring	NOUN
cblr-1739	180	131	contributes	contribute	VERB
cblr-1739	180	132	to	to	ADP
cblr-1739	180	133	this	this	DET
cblr-1739	180	134	overall	overall	ADJ
cblr-1739	180	135	lack	lack	NOUN
cblr-1739	180	136	of	of	ADP
cblr-1739	180	137	transparency	transparency	NOUN
cblr-1739	180	138	and	and	CCONJ
cblr-1739	180	139	leaves	leave	VERB
cblr-1739	180	140	consumers	consumer	NOUN
cblr-1739	180	141	in	in	ADP
cblr-1739	180	142	the	the	DET
cblr-1739	180	143	dark	dark	NOUN
cblr-1739	180	144	as	as	ADP
cblr-1739	180	145	to	to	ADP
cblr-1739	180	146	how	how	SCONJ
cblr-1739	180	147	their	their	PRON
cblr-1739	180	148	credit	credit	NOUN
cblr-1739	180	149	score	score	NOUN
cblr-1739	180	150	is	be	AUX
cblr-1739	180	151	calculated.40	calculated.40	PROPN
cblr-1739	180	152	the	the	DET
cblr-1739	180	153	use	use	NOUN
cblr-1739	180	154	of	of	ADP
cblr-1739	180	155	existing	exist	VERB
cblr-1739	180	156	credit	credit	NOUN
cblr-1739	180	157	-	-	PUNCT
cblr-1739	180	158	scoring	score	VERB
cblr-1739	180	159	systems	system	NOUN
cblr-1739	180	160	,	,	PUNCT
cblr-1739	180	161	however	however	ADV
cblr-1739	180	162	,	,	PUNCT
cblr-1739	180	163	is	be	AUX
cblr-1739	180	164	generally	generally	ADV
cblr-1739	180	165	treated	treat	VERB
cblr-1739	180	166	as	as	ADP
cblr-1739	180	167	a	a	DET
cblr-1739	180	168	fair	fair	ADJ
cblr-1739	180	169	and	and	CCONJ
cblr-1739	180	170	objective	objective	ADJ
cblr-1739	180	171	method	method	NOUN
cblr-1739	180	172	for	for	ADP
cblr-1739	180	173	evaluating	evaluate	VERB
cblr-1739	180	174	an	an	DET
cblr-1739	180	175	individual	individual	NOUN
cblr-1739	180	176	’s	’s	PART
cblr-1739	180	177	creditworthiness.41	creditworthiness.41	PROPN
cblr-1739	180	178	congress	congress	PROPN
cblr-1739	180	179	enacted	enact	VERB
cblr-1739	180	180	fcra42	fcra42	NOUN
cblr-1739	180	181	in	in	ADP
cblr-1739	180	182	1970	1970	NUM
cblr-1739	180	183	to	to	PART
cblr-1739	180	184	address	address	VERB
cblr-1739	180	185	the	the	DET
cblr-1739	180	186	increasing	increase	VERB
cblr-1739	180	187	collection	collection	NOUN
cblr-1739	180	188	of	of	ADP
cblr-1739	180	189	personal	personal	ADJ
cblr-1739	180	190	information.43	information.43	NOUN
cblr-1739	180	191	the	the	DET
cblr-1739	180	192	fcra	fcra	NOUN
cblr-1739	180	193	increased	increase	VERB
cblr-1739	180	194	transparency	transparency	NOUN
cblr-1739	180	195	in	in	ADP
cblr-1739	180	196	a	a	DET
cblr-1739	180	197	previously	previously	ADV
cblr-1739	180	198	guarded	guard	VERB
cblr-1739	180	199	and	and	CCONJ
cblr-1739	180	200	35	35	NUM
cblr-1739	180	201	see	see	VERB
cblr-1739	180	202	terry	terry	PROPN
cblr-1739	180	203	clemans	clemans	PROPN
cblr-1739	180	204	,	,	PUNCT
cblr-1739	180	205	foreword	foreword	NOUN
cblr-1739	180	206	,	,	PUNCT
cblr-1739	180	207	46	46	NUM
cblr-1739	180	208	suffolk	suffolk	PROPN
cblr-1739	180	209	u.	u.	PROPN
cblr-1739	180	210	l.	l.	PROPN
cblr-1739	180	211	rev	rev	PROPN
cblr-1739	180	212	.	.	PROPN
cblr-1739	180	213	761	761	NUM
cblr-1739	180	214	,	,	PUNCT
cblr-1739	180	215	782	782	NUM
cblr-1739	180	216	(	(	PUNCT
cblr-1739	180	217	2013	2013	NUM
cblr-1739	180	218	)	)	PUNCT
cblr-1739	180	219	(	(	PUNCT
cblr-1739	180	220	explaining	explain	VERB
cblr-1739	180	221	that	that	SCONJ
cblr-1739	180	222	there	there	PRON
cblr-1739	180	223	are	be	VERB
cblr-1739	180	224	“	"	PUNCT
cblr-1739	180	225	dozens	dozen	NOUN
cblr-1739	180	226	of	of	ADP
cblr-1739	180	227	specialty	specialty	NOUN
cblr-1739	180	228	versions	version	NOUN
cblr-1739	180	229	of	of	ADP
cblr-1739	180	230	credit	credit	NOUN
cblr-1739	180	231	scores	score	NOUN
cblr-1739	180	232	that	that	PRON
cblr-1739	180	233	are	be	AUX
cblr-1739	180	234	honed	hone	VERB
cblr-1739	180	235	for	for	ADP
cblr-1739	180	236	specific	specific	ADJ
cblr-1739	180	237	industries	industry	NOUN
cblr-1739	180	238	”	"	PUNCT
cblr-1739	180	239	)	)	PUNCT
cblr-1739	180	240	.	.	PUNCT
cblr-1739	181	1	36	36	NUM
cblr-1739	181	2	see	see	VERB
cblr-1739	181	3	i	i	PRON
cblr-1739	181	4	d.	d.	PROPN
cblr-1739	181	5	(	(	PUNCT
cblr-1739	181	6	describing	describe	VERB
cblr-1739	181	7	the	the	DET
cblr-1739	181	8	creation	creation	NOUN
cblr-1739	181	9	of	of	ADP
cblr-1739	181	10	vantagescore	vantagescore	NOUN
cblr-1739	181	11	and	and	CCONJ
cblr-1739	181	12	its	its	PRON
cblr-1739	181	13	competition	competition	NOUN
cblr-1739	181	14	)	)	PUNCT
cblr-1739	181	15	.	.	PUNCT
cblr-1739	182	1	but	but	CCONJ
cblr-1739	182	2	see	see	VERB
cblr-1739	182	3	o’neill	o’neill	PROPN
cblr-1739	182	4	,	,	PUNCT
cblr-1739	182	5	supra	supra	ADJ
cblr-1739	182	6	note	note	NOUN
cblr-1739	182	7	2	2	NUM
cblr-1739	182	8	,	,	PUNCT
cblr-1739	182	9	at	at	ADP
cblr-1739	182	10	172–73	172–73	NUM
cblr-1739	182	11	(	(	PUNCT
cblr-1739	182	12	arguing	argue	VERB
cblr-1739	182	13	that	that	SCONJ
cblr-1739	182	14	the	the	DET
cblr-1739	182	15	lack	lack	NOUN
cblr-1739	182	16	of	of	ADP
cblr-1739	182	17	a	a	DET
cblr-1739	182	18	uniform	uniform	ADJ
cblr-1739	182	19	credit	credit	NOUN
cblr-1739	182	20	model	model	NOUN
cblr-1739	182	21	was	be	AUX
cblr-1739	182	22	“	"	PUNCT
cblr-1739	182	23	largely	largely	ADV
cblr-1739	182	24	eviscerated	eviscerate	VERB
cblr-1739	182	25	”	"	PUNCT
cblr-1739	182	26	by	by	ADP
cblr-1739	182	27	the	the	DET
cblr-1739	182	28	development	development	NOUN
cblr-1739	182	29	of	of	ADP
cblr-1739	182	30	vantagescore	vantagescore	NOUN
cblr-1739	182	31	)	)	PUNCT
cblr-1739	182	32	.	.	PUNCT
cblr-1739	183	1	37	37	NUM
cblr-1739	183	2	see	see	VERB
cblr-1739	183	3	adi	adi	PROPN
cblr-1739	183	4	osovsky	osovsky	PROPN
cblr-1739	183	5	,	,	PUNCT
cblr-1739	183	6	the	the	DET
cblr-1739	183	7	misconception	misconception	NOUN
cblr-1739	183	8	of	of	ADP
cblr-1739	183	9	the	the	DET
cblr-1739	183	10	consumer	consumer	NOUN
cblr-1739	183	11	as	as	ADP
cblr-1739	183	12	a	a	DET
cblr-1739	183	13	homo	homo	NOUN
cblr-1739	183	14	economicus	economicus	NOUN
cblr-1739	183	15	:	:	PUNCT
cblr-1739	183	16	a	a	DET
cblr-1739	183	17	behavioral	behavioral	ADJ
cblr-1739	183	18	-	-	PUNCT
cblr-1739	183	19	economic	economic	ADJ
cblr-1739	183	20	approach	approach	NOUN
cblr-1739	183	21	to	to	ADP
cblr-1739	183	22	consumer	consumer	NOUN
cblr-1739	183	23	protection	protection	NOUN
cblr-1739	183	24	in	in	ADP
cblr-1739	183	25	the	the	DET
cblr-1739	183	26	credit	credit	NOUN
cblr-1739	183	27	-	-	PUNCT
cblr-1739	183	28	reporting	report	VERB
cblr-1739	183	29	system	system	NOUN
cblr-1739	183	30	,	,	PUNCT
cblr-1739	183	31	46	46	NUM
cblr-1739	183	32	suffolk	suffolk	PROPN
cblr-1739	183	33	u.	u.	PROPN
cblr-1739	183	34	l.	l.	PROPN
cblr-1739	183	35	rev	rev	PROPN
cblr-1739	183	36	.	.	PROPN
cblr-1739	183	37	881	881	NUM
cblr-1739	183	38	,	,	PUNCT
cblr-1739	183	39	888	888	NUM
cblr-1739	183	40	(	(	PUNCT
cblr-1739	183	41	2013	2013	NUM
cblr-1739	183	42	)	)	PUNCT
cblr-1739	183	43	.	.	PUNCT
cblr-1739	184	1	38	38	NUM
cblr-1739	184	2	federal	federal	PROPN
cblr-1739	184	3	reserve	reserve	PROPN
cblr-1739	184	4	board	board	PROPN
cblr-1739	184	5	releases	release	VERB
cblr-1739	184	6	staff	staff	NOUN
cblr-1739	184	7	paper	paper	NOUN
cblr-1739	184	8	on	on	ADP
cblr-1739	184	9	credit	credit	NOUN
cblr-1739	184	10	scoring	scoring	NOUN
cblr-1739	184	11	.	.	PUNCT
cblr-1739	185	1	consumer	consumer	NOUN
cblr-1739	185	2	cred	cre	VERB
cblr-1739	185	3	.	.	PUNCT
cblr-1739	186	1	guide	guide	NOUN
cblr-1739	186	2	(	(	PUNCT
cblr-1739	186	3	cch	cch	PROPN
cblr-1739	186	4	)	)	PUNCT
cblr-1739	186	5	¶	¶	NOUN
cblr-1739	186	6	97,708	97,708	NUM
cblr-1739	186	7	,	,	PUNCT
cblr-1739	186	8	1979	1979	NUM
cblr-1739	186	9	wl	wl	SYM
cblr-1739	186	10	486735	486735	NUM
cblr-1739	186	11	(	(	PUNCT
cblr-1739	186	12	dec	dec	PROPN
cblr-1739	186	13	.	.	PROPN
cblr-1739	186	14	28	28	NUM
cblr-1739	186	15	,	,	PUNCT
cblr-1739	186	16	1979	1979	NUM
cblr-1739	186	17	)	)	PUNCT
cblr-1739	186	18	.	.	PUNCT
cblr-1739	187	1	39	39	NUM
cblr-1739	187	2	pasquale	pasquale	NOUN
cblr-1739	187	3	,	,	PUNCT
cblr-1739	187	4	supra	supra	PROPN
cblr-1739	187	5	note	note	NOUN
cblr-1739	187	6	3	3	NUM
cblr-1739	187	7	.	.	NUM
cblr-1739	187	8	40	40	NUM
cblr-1739	187	9	see	see	VERB
cblr-1739	187	10	o’neill	o’neill	NOUN
cblr-1739	187	11	,	,	PUNCT
cblr-1739	187	12	supra	supra	ADJ
cblr-1739	187	13	note	note	NOUN
cblr-1739	187	14	2	2	NUM
cblr-1739	187	15	,	,	PUNCT
cblr-1739	187	16	at	at	ADP
cblr-1739	187	17	172	172	NUM
cblr-1739	187	18	.	.	PUNCT
cblr-1739	187	19	41	41	NUM
cblr-1739	187	20	see	see	VERB
cblr-1739	187	21	pasquale	pasquale	NOUN
cblr-1739	187	22	,	,	PUNCT
cblr-1739	187	23	supra	supra	PROPN
cblr-1739	187	24	note	note	NOUN
cblr-1739	187	25	3	3	NUM
cblr-1739	187	26	,	,	PUNCT
cblr-1739	187	27	at	at	ADP
cblr-1739	187	28	249	249	NUM
cblr-1739	187	29	.	.	PUNCT
cblr-1739	188	1	42	42	NUM
cblr-1739	188	2	15	15	NUM
cblr-1739	188	3	u.s.c	u.s.c	NOUN
cblr-1739	188	4	.	.	PUNCT
cblr-1739	189	1	§	§	PROPN
cblr-1739	189	2	§	§	NOUN
cblr-1739	189	3	1681a	1681a	NOUN
cblr-1739	189	4	–	–	PUNCT
cblr-1739	189	5	x	x	SYM
cblr-1739	189	6	(	(	PUNCT
cblr-1739	189	7	2012	2012	NUM
cblr-1739	189	8	)	)	PUNCT
cblr-1739	189	9	.	.	PUNCT
cblr-1739	190	1	43	43	NUM
cblr-1739	190	2	see	see	VERB
cblr-1739	190	3	citron	citron	NOUN
cblr-1739	190	4	&	&	CCONJ
cblr-1739	190	5	pasquale	pasquale	PROPN
cblr-1739	190	6	,	,	PUNCT
cblr-1739	190	7	supra	supra	PROPN
cblr-1739	190	8	note	note	PROPN
cblr-1739	190	9	27	27	NUM
cblr-1739	190	10	,	,	PUNCT
cblr-1739	190	11	at	at	ADP
cblr-1739	190	12	16	16	NUM
cblr-1739	190	13	.	.	PUNCT
cblr-1739	191	1	geslevich	geslevich	PROPN
cblr-1739	191	2	packin	packin	PROPN
cblr-1739	191	3	&	&	CCONJ
cblr-1739	191	4	lev	lev	PROPN
cblr-1739	191	5	-	-	PUNCT
cblr-1739	191	6	aretz	aretz	PROPN
cblr-1739	191	7	–	–	PUNCT
cblr-1739	191	8	final	final	ADJ
cblr-1739	191	9	no	no	NOUN
cblr-1739	191	10	.	.	PUNCT
cblr-1739	192	1	2:339	2:339	NUM
cblr-1739	192	2	]	]	X
cblr-1739	192	3	on	on	ADP
cblr-1739	192	4	social	social	ADJ
cblr-1739	192	5	credit	credit	NOUN
cblr-1739	192	6	353	353	NUM
cblr-1739	192	7	mysterious	mysterious	ADJ
cblr-1739	192	8	credit	credit	NOUN
cblr-1739	192	9	reporting	reporting	NOUN
cblr-1739	192	10	industry.44	industry.44	NOUN
cblr-1739	192	11	under	under	ADP
cblr-1739	192	12	the	the	DET
cblr-1739	192	13	fcra	fcra	NOUN
cblr-1739	192	14	,	,	PUNCT
cblr-1739	192	15	credit	credit	NOUN
cblr-1739	192	16	repositories	repository	NOUN
cblr-1739	192	17	and	and	CCONJ
cblr-1739	192	18	all	all	DET
cblr-1739	192	19	“	"	PUNCT
cblr-1739	192	20	consumer	consumer	NOUN
cblr-1739	192	21	reporting	reporting	NOUN
cblr-1739	192	22	agencies	agency	NOUN
cblr-1739	192	23	”	"	PUNCT
cblr-1739	192	24	must	must	AUX
cblr-1739	192	25	assure	assure	VERB
cblr-1739	192	26	maximum	maximum	ADJ
cblr-1739	192	27	possible	possible	ADJ
cblr-1739	192	28	accuracy	accuracy	NOUN
cblr-1739	192	29	of	of	ADP
cblr-1739	192	30	the	the	DET
cblr-1739	192	31	information	information	NOUN
cblr-1739	192	32	contained	contain	VERB
cblr-1739	192	33	in	in	ADP
cblr-1739	192	34	the	the	DET
cblr-1739	192	35	credit	credit	NOUN
cblr-1739	192	36	report.45	report.45	ADP
cblr-1739	192	37	the	the	DET
cblr-1739	192	38	fcra	fcra	NOUN
cblr-1739	192	39	also	also	ADV
cblr-1739	192	40	bestows	bestow	VERB
cblr-1739	192	41	upon	upon	SCONJ
cblr-1739	192	42	consumers	consumer	NOUN
cblr-1739	192	43	the	the	DET
cblr-1739	192	44	right	right	NOUN
cblr-1739	192	45	to	to	PART
cblr-1739	192	46	access	access	VERB
cblr-1739	192	47	their	their	PRON
cblr-1739	192	48	credit	credit	NOUN
cblr-1739	192	49	reports,46	reports,46	NOUN
cblr-1739	192	50	dispute	dispute	VERB
cblr-1739	192	51	the	the	DET
cblr-1739	192	52	completeness	completeness	NOUN
cblr-1739	192	53	or	or	CCONJ
cblr-1739	192	54	accuracy	accuracy	NOUN
cblr-1739	192	55	of	of	ADP
cblr-1739	192	56	their	their	PRON
cblr-1739	192	57	reports	report	NOUN
cblr-1739	192	58	,	,	PUNCT
cblr-1739	192	59	ask	ask	VERB
cblr-1739	192	60	for	for	ADP
cblr-1739	192	61	corrections	correction	NOUN
cblr-1739	192	62	,	,	PUNCT
cblr-1739	192	63	and	and	CCONJ
cblr-1739	192	64	annotate	annotate	VERB
cblr-1739	192	65	their	their	PRON
cblr-1739	192	66	records	record	NOUN
cblr-1739	192	67	when	when	SCONJ
cblr-1739	192	68	resolutions	resolution	NOUN
cblr-1739	192	69	can	can	AUX
cblr-1739	192	70	not	not	PART
cblr-1739	192	71	be	be	AUX
cblr-1739	192	72	achieved.47	achieved.47	NOUN
cblr-1739	192	73	in	in	ADP
cblr-1739	192	74	2003	2003	NUM
cblr-1739	192	75	,	,	PUNCT
cblr-1739	192	76	congress	congress	PROPN
cblr-1739	192	77	passed	pass	VERB
cblr-1739	192	78	the	the	DET
cblr-1739	192	79	facta,48	facta,48	NOUN
cblr-1739	192	80	which	which	PRON
cblr-1739	192	81	mandated	mandate	VERB
cblr-1739	192	82	the	the	DET
cblr-1739	192	83	provision	provision	NOUN
cblr-1739	192	84	of	of	ADP
cblr-1739	192	85	complimentary	complimentary	ADJ
cblr-1739	192	86	annual	annual	ADJ
cblr-1739	192	87	credit	credit	NOUN
cblr-1739	192	88	reports	report	NOUN
cblr-1739	192	89	to	to	ADP
cblr-1739	192	90	all	all	DET
cblr-1739	192	91	consumers	consumer	NOUN
cblr-1739	192	92	,	,	PUNCT
cblr-1739	192	93	added	add	VERB
cblr-1739	192	94	protections	protection	NOUN
cblr-1739	192	95	in	in	ADP
cblr-1739	192	96	the	the	DET
cblr-1739	192	97	credit	credit	NOUN
cblr-1739	192	98	reporting	reporting	NOUN
cblr-1739	192	99	industry	industry	NOUN
cblr-1739	192	100	to	to	PART
cblr-1739	192	101	combat	combat	NOUN
cblr-1739	192	102	fraud	fraud	NOUN
cblr-1739	192	103	,	,	PUNCT
cblr-1739	192	104	and	and	CCONJ
cblr-1739	192	105	offered	offer	VERB
cblr-1739	192	106	victims	victim	NOUN
cblr-1739	192	107	of	of	ADP
cblr-1739	192	108	identity	identity	NOUN
cblr-1739	192	109	theft	theft	NOUN
cblr-1739	192	110	a	a	DET
cblr-1739	192	111	procedure	procedure	NOUN
cblr-1739	192	112	for	for	ADP
cblr-1739	192	113	clearing	clear	VERB
cblr-1739	192	114	their	their	PRON
cblr-1739	192	115	credit	credit	NOUN
cblr-1739	192	116	scores	score	NOUN
cblr-1739	192	117	of	of	ADP
cblr-1739	192	118	debt.49	debt.49	NOUN
cblr-1739	192	119	in	in	ADP
cblr-1739	192	120	addition	addition	NOUN
cblr-1739	192	121	to	to	ADP
cblr-1739	192	122	granting	grant	VERB
cblr-1739	192	123	consumers	consumer	NOUN
cblr-1739	192	124	rights	right	NOUN
cblr-1739	192	125	to	to	PART
cblr-1739	192	126	protect	protect	VERB
cblr-1739	192	127	themselves	themselves	PRON
cblr-1739	192	128	,	,	PUNCT
cblr-1739	192	129	federal	federal	ADJ
cblr-1739	192	130	law	law	NOUN
cblr-1739	192	131	prohibits	prohibit	VERB
cblr-1739	192	132	discrimination	discrimination	NOUN
cblr-1739	192	133	by	by	ADP
cblr-1739	192	134	credit	credit	NOUN
cblr-1739	192	135	agencies	agency	NOUN
cblr-1739	192	136	as	as	ADV
cblr-1739	192	137	well	well	ADV
cblr-1739	192	138	.	.	PUNCT
cblr-1739	193	1	the	the	DET
cblr-1739	193	2	ecoa	ecoa	NOUN
cblr-1739	193	3	,	,	PUNCT
cblr-1739	193	4	enacted	enact	VERB
cblr-1739	193	5	in	in	ADP
cblr-1739	193	6	1974	1974	NUM
cblr-1739	193	7	,	,	PUNCT
cblr-1739	193	8	prohibits	prohibit	VERB
cblr-1739	193	9	credit	credit	NOUN
cblr-1739	193	10	discrimination	discrimination	NOUN
cblr-1739	193	11	on	on	ADP
cblr-1739	193	12	the	the	DET
cblr-1739	193	13	basis	basis	NOUN
cblr-1739	193	14	of	of	ADP
cblr-1739	193	15	race	race	NOUN
cblr-1739	193	16	,	,	PUNCT
cblr-1739	193	17	color	color	NOUN
cblr-1739	193	18	,	,	PUNCT
cblr-1739	193	19	religion	religion	NOUN
cblr-1739	193	20	,	,	PUNCT
cblr-1739	193	21	national	national	ADJ
cblr-1739	193	22	origin	origin	NOUN
cblr-1739	193	23	,	,	PUNCT
cblr-1739	193	24	sex	sex	NOUN
cblr-1739	193	25	,	,	PUNCT
cblr-1739	193	26	marital	marital	ADJ
cblr-1739	193	27	status	status	NOUN
cblr-1739	193	28	,	,	PUNCT
cblr-1739	193	29	age	age	NOUN
cblr-1739	193	30	,	,	PUNCT
cblr-1739	193	31	or	or	CCONJ
cblr-1739	193	32	the	the	DET
cblr-1739	193	33	receipt	receipt	NOUN
cblr-1739	193	34	of	of	ADP
cblr-1739	193	35	public	public	ADJ
cblr-1739	193	36	assistance.50	assistance.50	PROPN
cblr-1739	193	37	ecoa	ecoa	NOUN
cblr-1739	193	38	mandates	mandate	NOUN
cblr-1739	193	39	that	that	SCONJ
cblr-1739	193	40	while	while	SCONJ
cblr-1739	193	41	creditors	creditor	NOUN
cblr-1739	193	42	may	may	AUX
cblr-1739	193	43	ask	ask	VERB
cblr-1739	193	44	individuals	individual	NOUN
cblr-1739	193	45	for	for	ADP
cblr-1739	193	46	information	information	NOUN
cblr-1739	193	47	about	about	ADP
cblr-1739	193	48	the	the	DET
cblr-1739	193	49	characteristics	characteristic	NOUN
cblr-1739	193	50	listed	list	VERB
cblr-1739	193	51	above	above	ADV
cblr-1739	193	52	,	,	PUNCT
cblr-1739	193	53	creditors	creditor	NOUN
cblr-1739	193	54	are	be	AUX
cblr-1739	193	55	prohibited	prohibit	VERB
cblr-1739	193	56	from	from	ADP
cblr-1739	193	57	using	use	VERB
cblr-1739	193	58	that	that	DET
cblr-1739	193	59	information	information	NOUN
cblr-1739	193	60	when	when	SCONJ
cblr-1739	193	61	deciding	decide	VERB
cblr-1739	193	62	whether	whether	SCONJ
cblr-1739	193	63	to	to	PART
cblr-1739	193	64	give	give	VERB
cblr-1739	193	65	44	44	NUM
cblr-1739	193	66	lea	lea	NOUN
cblr-1739	193	67	shepard	shepard	NOUN
cblr-1739	193	68	,	,	PUNCT
cblr-1739	193	69	toward	toward	ADP
cblr-1739	193	70	a	a	DET
cblr-1739	193	71	stronger	strong	ADJ
cblr-1739	193	72	financial	financial	ADJ
cblr-1739	193	73	history	history	NOUN
cblr-1739	193	74	antidiscrimination	antidiscrimination	NOUN
cblr-1739	193	75	norm	norm	NOUN
cblr-1739	193	76	,	,	PUNCT
cblr-1739	193	77	53	53	NUM
cblr-1739	193	78	b.c	b.c	PROPN
cblr-1739	193	79	.	.	PROPN
cblr-1739	193	80	l.	l.	PROPN
cblr-1739	193	81	rev	rev	PROPN
cblr-1739	193	82	.	.	PROPN
cblr-1739	193	83	1695	1695	NUM
cblr-1739	193	84	,	,	PUNCT
cblr-1739	193	85	1744–48	1744–48	NUM
cblr-1739	193	86	(	(	PUNCT
cblr-1739	193	87	2012	2012	NUM
cblr-1739	193	88	)	)	PUNCT
cblr-1739	193	89	(	(	PUNCT
cblr-1739	193	90	explaining	explain	VERB
cblr-1739	193	91	how	how	SCONJ
cblr-1739	193	92	the	the	DET
cblr-1739	193	93	fcra	fcra	NOUN
cblr-1739	193	94	alleviated	alleviate	VERB
cblr-1739	193	95	the	the	DET
cblr-1739	193	96	opacity	opacity	NOUN
cblr-1739	193	97	associated	associate	VERB
cblr-1739	193	98	with	with	ADP
cblr-1739	193	99	the	the	DET
cblr-1739	193	100	credit	credit	NOUN
cblr-1739	193	101	reporting	reporting	NOUN
cblr-1739	193	102	process	process	NOUN
cblr-1739	193	103	)	)	PUNCT
cblr-1739	193	104	.	.	PUNCT
cblr-1739	194	1	45	45	NUM
cblr-1739	194	2	see	see	VERB
cblr-1739	194	3	15	15	NUM
cblr-1739	194	4	u.s.c	u.s.c	ADJ
cblr-1739	194	5	.	.	PUNCT
cblr-1739	195	1	§	§	PROPN
cblr-1739	195	2	1681e(b	1681e(b	NUM
cblr-1739	195	3	)	)	PUNCT
cblr-1739	195	4	(	(	PUNCT
cblr-1739	195	5	2012	2012	NUM
cblr-1739	195	6	)	)	PUNCT
cblr-1739	195	7	(	(	PUNCT
cblr-1739	195	8	“	"	PUNCT
cblr-1739	195	9	whenever	whenever	SCONJ
cblr-1739	195	10	a	a	DET
cblr-1739	195	11	consumer	consumer	NOUN
cblr-1739	195	12	reporting	reporting	NOUN
cblr-1739	195	13	agency	agency	NOUN
cblr-1739	195	14	prepares	prepare	VERB
cblr-1739	195	15	a	a	DET
cblr-1739	195	16	consumer	consumer	NOUN
cblr-1739	195	17	report	report	NOUN
cblr-1739	195	18	it	it	PRON
cblr-1739	195	19	shall	shall	AUX
cblr-1739	195	20	follow	follow	VERB
cblr-1739	195	21	reasonable	reasonable	ADJ
cblr-1739	195	22	procedures	procedure	NOUN
cblr-1739	195	23	to	to	PART
cblr-1739	195	24	assure	assure	VERB
cblr-1739	195	25	maximum	maximum	ADJ
cblr-1739	195	26	possible	possible	ADJ
cblr-1739	195	27	accuracy	accuracy	NOUN
cblr-1739	195	28	of	of	ADP
cblr-1739	195	29	the	the	DET
cblr-1739	195	30	information	information	NOUN
cblr-1739	195	31	concerning	concern	VERB
cblr-1739	195	32	the	the	DET
cblr-1739	195	33	individual	individual	NOUN
cblr-1739	195	34	about	about	ADP
cblr-1739	195	35	whom	whom	PRON
cblr-1739	195	36	the	the	DET
cblr-1739	195	37	report	report	NOUN
cblr-1739	195	38	relates	relate	VERB
cblr-1739	195	39	.	.	PUNCT
cblr-1739	195	40	”	"	PUNCT
cblr-1739	195	41	)	)	PUNCT
cblr-1739	195	42	.	.	PUNCT
cblr-1739	196	1	46	46	NUM
cblr-1739	196	2	see	see	VERB
cblr-1739	196	3	15	15	NUM
cblr-1739	196	4	u.s.c	u.s.c	ADJ
cblr-1739	196	5	.	.	PUNCT
cblr-1739	197	1	§	§	PROPN
cblr-1739	197	2	1681g(a)(1	1681g(a)(1	NUM
cblr-1739	197	3	)	)	PUNCT
cblr-1739	197	4	(	(	PUNCT
cblr-1739	197	5	2012	2012	NUM
cblr-1739	197	6	)	)	PUNCT
cblr-1739	197	7	.	.	PUNCT
cblr-1739	198	1	47	47	NUM
cblr-1739	198	2	see	see	VERB
cblr-1739	198	3	15	15	NUM
cblr-1739	198	4	u.s.c	u.s.c	ADJ
cblr-1739	198	5	.	.	PUNCT
cblr-1739	199	1	§	§	PROPN
cblr-1739	199	2	1681i	1681i	NUM
cblr-1739	199	3	(	(	PUNCT
cblr-1739	199	4	2012	2012	NUM
cblr-1739	199	5	)	)	PUNCT
cblr-1739	199	6	(	(	PUNCT
cblr-1739	199	7	“	"	PUNCT
cblr-1739	199	8	procedure	procedure	NOUN
cblr-1739	199	9	in	in	ADP
cblr-1739	199	10	case	case	NOUN
cblr-1739	199	11	of	of	ADP
cblr-1739	199	12	disputed	dispute	VERB
cblr-1739	199	13	accuracy	accuracy	NOUN
cblr-1739	199	14	”	"	PUNCT
cblr-1739	199	15	)	)	PUNCT
cblr-1739	199	16	.	.	PUNCT
cblr-1739	200	1	48	48	NUM
cblr-1739	200	2	fair	fair	ADJ
cblr-1739	200	3	and	and	CCONJ
cblr-1739	200	4	accurate	accurate	ADJ
cblr-1739	200	5	credit	credit	NOUN
cblr-1739	200	6	transactions	transaction	NOUN
cblr-1739	200	7	act	act	NOUN
cblr-1739	200	8	(	(	PUNCT
cblr-1739	200	9	facta	facta	PROPN
cblr-1739	200	10	)	)	PUNCT
cblr-1739	200	11	of	of	ADP
cblr-1739	200	12	2003	2003	NUM
cblr-1739	200	13	,	,	PUNCT
cblr-1739	200	14	pub	pub	NOUN
cblr-1739	200	15	.	.	PUNCT
cblr-1739	201	1	l.	l.	PROPN
cblr-1739	201	2	no	no	INTJ
cblr-1739	201	3	.	.	PUNCT
cblr-1739	202	1	108–59	108–59	NUM
cblr-1739	202	2	,	,	PUNCT
cblr-1739	202	3	117	117	NUM
cblr-1739	202	4	stat	stat	NOUN
cblr-1739	202	5	.	.	PUNCT
cblr-1739	203	1	1952	1952	NUM
cblr-1739	203	2	(	(	PUNCT
cblr-1739	203	3	codified	codify	VERB
cblr-1739	203	4	as	as	SCONJ
cblr-1739	203	5	amended	amend	VERB
cblr-1739	203	6	across	across	ADP
cblr-1739	203	7	sections	section	NOUN
cblr-1739	203	8	of	of	ADP
cblr-1739	203	9	15	15	NUM
cblr-1739	203	10	u.s.c	u.s.c	ADJ
cblr-1739	203	11	.	.	PUNCT
cblr-1739	203	12	)	)	PUNCT
cblr-1739	204	1	(	(	PUNCT
cblr-1739	204	2	amending	amend	VERB
cblr-1739	204	3	the	the	DET
cblr-1739	204	4	fair	fair	ADJ
cblr-1739	204	5	credit	credit	NOUN
cblr-1739	204	6	reporting	reporting	NOUN
cblr-1739	204	7	act	act	NOUN
cblr-1739	204	8	of	of	ADP
cblr-1739	204	9	1970	1970	NUM
cblr-1739	204	10	)	)	PUNCT
cblr-1739	204	11	.	.	PUNCT
cblr-1739	205	1	49	49	NUM
cblr-1739	205	2	see	see	VERB
cblr-1739	205	3	dee	dee	PROPN
cblr-1739	205	4	pridgen	pridgen	PROPN
cblr-1739	205	5	&	&	CCONJ
cblr-1739	205	6	richard	richard	PROPN
cblr-1739	205	7	m.	m.	PROPN
cblr-1739	205	8	alderman	alderman	PROPN
cblr-1739	205	9	,	,	PUNCT
cblr-1739	205	10	consumer	consumer	NOUN
cblr-1739	205	11	credit	credit	NOUN
cblr-1739	205	12	and	and	CCONJ
cblr-1739	205	13	the	the	DET
cblr-1739	205	14	law	law	NOUN
cblr-1739	205	15	(	(	PUNCT
cblr-1739	205	16	2010	2010	NUM
cblr-1739	205	17	)	)	PUNCT
cblr-1739	205	18	.	.	PUNCT
cblr-1739	206	1	50	50	NUM
cblr-1739	206	2	the	the	DET
cblr-1739	206	3	ecoa	ecoa	NOUN
cblr-1739	206	4	is	be	AUX
cblr-1739	206	5	a	a	DET
cblr-1739	206	6	united	united	PROPN
cblr-1739	206	7	states	states	PROPN
cblr-1739	206	8	law	law	NOUN
cblr-1739	206	9	(	(	PUNCT
cblr-1739	206	10	codified	codify	VERB
cblr-1739	206	11	at	at	ADP
cblr-1739	206	12	15	15	NUM
cblr-1739	206	13	u.s.c	u.s.c	ADJ
cblr-1739	206	14	.	.	PUNCT
cblr-1739	207	1	§	§	PROPN
cblr-1739	207	2	1691	1691	NUM
cblr-1739	207	3	et	et	PROPN
cblr-1739	207	4	seq	seq	PROPN
cblr-1739	207	5	.	.	PROPN
cblr-1739	207	6	)	)	PUNCT
cblr-1739	207	7	;	;	PUNCT
cblr-1739	207	8	see	see	VERB
cblr-1739	207	9	also	also	ADV
cblr-1739	207	10	your	your	PRON
cblr-1739	207	11	equal	equal	ADJ
cblr-1739	207	12	credit	credit	NOUN
cblr-1739	207	13	opportunity	opportunity	NOUN
cblr-1739	207	14	rights	right	NOUN
cblr-1739	207	15	,	,	PUNCT
cblr-1739	207	16	fed	fed	PROPN
cblr-1739	207	17	.	.	PUNCT
cblr-1739	208	1	trade	trade	NOUN
cblr-1739	208	2	comm’n	comm’n	NOUN
cblr-1739	208	3	(	(	PUNCT
cblr-1739	208	4	jan	jan	PROPN
cblr-1739	208	5	.	.	PROPN
cblr-1739	208	6	2013	2013	NUM
cblr-1739	208	7	)	)	PUNCT
cblr-1739	209	1	,	,	PUNCT
cblr-1739	209	2	http://www.consumer.ftc.gov/articles/0347-your-equal-creditopportunity-rights	http://www.consumer.ftc.gov/articles/0347-your-equal-creditopportunity-right	VERB
cblr-1739	210	1	[	[	X
cblr-1739	210	2	http://perma.cc/eqz5-slhd	http://perma.cc/eqz5-slhd	X
cblr-1739	210	3	]	]	PUNCT
cblr-1739	210	4	.	.	PUNCT
cblr-1739	211	1	geslevich	geslevich	PROPN
cblr-1739	211	2	packin	packin	PROPN
cblr-1739	211	3	&	&	CCONJ
cblr-1739	211	4	lev	lev	PROPN
cblr-1739	211	5	-	-	PUNCT
cblr-1739	211	6	aretz	aretz	PROPN
cblr-1739	211	7	–	–	PUNCT
cblr-1739	211	8	final	final	ADJ
cblr-1739	211	9	354	354	NUM
cblr-1739	211	10	columbia	columbia	PROPN
cblr-1739	211	11	business	business	NOUN
cblr-1739	211	12	law	law	PROPN
cblr-1739	211	13	review	review	NOUN
cblr-1739	212	1	[	[	X
cblr-1739	212	2	vol	vol	NOUN
cblr-1739	212	3	.	.	NOUN
cblr-1739	212	4	2016	2016	NUM
cblr-1739	212	5	individuals	individual	NOUN
cblr-1739	212	6	credit	credit	NOUN
cblr-1739	212	7	or	or	CCONJ
cblr-1739	212	8	when	when	SCONJ
cblr-1739	212	9	setting	set	VERB
cblr-1739	212	10	the	the	DET
cblr-1739	212	11	terms	term	NOUN
cblr-1739	212	12	of	of	ADP
cblr-1739	212	13	their	their	PRON
cblr-1739	212	14	credit.51	credit.51	NOUN
cblr-1739	212	15	moreover	moreover	ADV
cblr-1739	212	16	,	,	PUNCT
cblr-1739	212	17	the	the	DET
cblr-1739	212	18	law	law	NOUN
cblr-1739	212	19	provides	provide	VERB
cblr-1739	212	20	protections	protection	NOUN
cblr-1739	212	21	when	when	SCONJ
cblr-1739	212	22	individuals	individual	NOUN
cblr-1739	212	23	deal	deal	VERB
cblr-1739	212	24	with	with	ADP
cblr-1739	212	25	organizations	organization	NOUN
cblr-1739	212	26	or	or	CCONJ
cblr-1739	212	27	people	people	NOUN
cblr-1739	212	28	who	who	PRON
cblr-1739	212	29	regularly	regularly	ADV
cblr-1739	212	30	extend	extend	VERB
cblr-1739	212	31	credit	credit	NOUN
cblr-1739	212	32	,	,	PUNCT
cblr-1739	212	33	including	include	VERB
cblr-1739	212	34	banks	bank	NOUN
cblr-1739	212	35	,	,	PUNCT
cblr-1739	212	36	small	small	ADJ
cblr-1739	212	37	loan	loan	NOUN
cblr-1739	212	38	and	and	CCONJ
cblr-1739	212	39	finance	finance	NOUN
cblr-1739	212	40	companies	company	NOUN
cblr-1739	212	41	,	,	PUNCT
cblr-1739	212	42	retail	retail	ADJ
cblr-1739	212	43	and	and	CCONJ
cblr-1739	212	44	department	department	NOUN
cblr-1739	212	45	stores	store	NOUN
cblr-1739	212	46	,	,	PUNCT
cblr-1739	212	47	credit	credit	NOUN
cblr-1739	212	48	card	card	NOUN
cblr-1739	212	49	companies	company	NOUN
cblr-1739	212	50	,	,	PUNCT
cblr-1739	212	51	and	and	CCONJ
cblr-1739	212	52	credit	credit	NOUN
cblr-1739	212	53	unions.52	unions.52	PROPN
cblr-1739	212	54	everyone	everyone	PRON
cblr-1739	212	55	who	who	PRON
cblr-1739	212	56	participates	participate	VERB
cblr-1739	212	57	in	in	ADP
cblr-1739	212	58	the	the	DET
cblr-1739	212	59	decision	decision	NOUN
cblr-1739	212	60	to	to	PART
cblr-1739	212	61	grant	grant	VERB
cblr-1739	212	62	credit	credit	NOUN
cblr-1739	212	63	or	or	CCONJ
cblr-1739	212	64	in	in	ADP
cblr-1739	212	65	setting	set	VERB
cblr-1739	212	66	the	the	DET
cblr-1739	212	67	terms	term	NOUN
cblr-1739	212	68	of	of	ADP
cblr-1739	212	69	that	that	DET
cblr-1739	212	70	credit	credit	NOUN
cblr-1739	212	71	must	must	AUX
cblr-1739	212	72	comply	comply	VERB
cblr-1739	212	73	with	with	ADP
cblr-1739	212	74	the	the	DET
cblr-1739	212	75	ecoa	ecoa	NOUN
cblr-1739	212	76	.	.	PUNCT
cblr-1739	213	1	the	the	DET
cblr-1739	213	2	2008	2008	NUM
cblr-1739	213	3	financial	financial	ADJ
cblr-1739	213	4	crisis	crisis	NOUN
cblr-1739	213	5	and	and	CCONJ
cblr-1739	213	6	ensuing	ensue	VERB
cblr-1739	213	7	recession	recession	NOUN
cblr-1739	213	8	exposed	expose	VERB
cblr-1739	213	9	the	the	DET
cblr-1739	213	10	inadequacy	inadequacy	NOUN
cblr-1739	213	11	of	of	ADP
cblr-1739	213	12	the	the	DET
cblr-1739	213	13	then	then	ADV
cblr-1739	213	14	-	-	PUNCT
cblr-1739	213	15	existing	exist	VERB
cblr-1739	213	16	risk	risk	NOUN
cblr-1739	213	17	management	management	NOUN
cblr-1739	213	18	tools	tool	NOUN
cblr-1739	213	19	and	and	CCONJ
cblr-1739	213	20	lending	lending	NOUN
cblr-1739	213	21	practices	practice	NOUN
cblr-1739	213	22	.	.	PUNCT
cblr-1739	214	1	subsequently	subsequently	ADV
cblr-1739	214	2	,	,	PUNCT
cblr-1739	214	3	the	the	DET
cblr-1739	214	4	dodd	dodd	PROPN
cblr-1739	214	5	-	-	PUNCT
cblr-1739	214	6	frank	frank	PROPN
cblr-1739	214	7	wall	wall	PROPN
cblr-1739	214	8	street	street	PROPN
cblr-1739	214	9	reform	reform	PROPN
cblr-1739	214	10	and	and	CCONJ
cblr-1739	214	11	consumer	consumer	NOUN
cblr-1739	214	12	protection	protection	NOUN
cblr-1739	214	13	act	act	NOUN
cblr-1739	214	14	(	(	PUNCT
cblr-1739	214	15	the	the	DET
cblr-1739	214	16	“	"	PUNCT
cblr-1739	214	17	doddfrank	doddfrank	NOUN
cblr-1739	214	18	act”)53	act”)53	PRON
cblr-1739	214	19	implemented	implement	VERB
cblr-1739	214	20	more	more	ADJ
cblr-1739	214	21	legal	legal	ADJ
cblr-1739	214	22	protections	protection	NOUN
cblr-1739	214	23	to	to	PART
cblr-1739	214	24	increase	increase	VERB
cblr-1739	214	25	the	the	DET
cblr-1739	214	26	transparency	transparency	NOUN
cblr-1739	214	27	of	of	ADP
cblr-1739	214	28	the	the	DET
cblr-1739	214	29	credit	credit	NOUN
cblr-1739	214	30	analysis	analysis	NOUN
cblr-1739	214	31	process	process	NOUN
cblr-1739	214	32	.	.	PUNCT
cblr-1739	215	1	primarily	primarily	ADV
cblr-1739	215	2	,	,	PUNCT
cblr-1739	215	3	the	the	DET
cblr-1739	215	4	dodd	dodd	PROPN
cblr-1739	215	5	-	-	PUNCT
cblr-1739	215	6	frank	frank	PROPN
cblr-1739	215	7	act	act	NOUN
cblr-1739	215	8	required	require	VERB
cblr-1739	215	9	greater	great	ADJ
cblr-1739	215	10	disclosure	disclosure	NOUN
cblr-1739	215	11	of	of	ADP
cblr-1739	215	12	the	the	DET
cblr-1739	215	13	qualitative	qualitative	ADJ
cblr-1739	215	14	and	and	CCONJ
cblr-1739	215	15	quantitative	quantitative	ADJ
cblr-1739	215	16	content	content	NOUN
cblr-1739	215	17	involved	involve	VERB
cblr-1739	215	18	in	in	ADP
cblr-1739	215	19	credit	credit	NOUN
cblr-1739	215	20	decision	decision	NOUN
cblr-1739	215	21	-	-	PUNCT
cblr-1739	215	22	making.54	making.54	NOUN
cblr-1739	215	23	until	until	ADP
cblr-1739	215	24	the	the	DET
cblr-1739	215	25	enactment	enactment	NOUN
cblr-1739	215	26	of	of	ADP
cblr-1739	215	27	the	the	DET
cblr-1739	215	28	dodd	dodd	PROPN
cblr-1739	215	29	-	-	PUNCT
cblr-1739	215	30	frank	frank	PROPN
cblr-1739	215	31	act	act	PROPN
cblr-1739	215	32	,	,	PUNCT
cblr-1739	215	33	the	the	DET
cblr-1739	215	34	federal	federal	PROPN
cblr-1739	215	35	trade	trade	PROPN
cblr-1739	215	36	commission	commission	PROPN
cblr-1739	215	37	(	(	PUNCT
cblr-1739	215	38	“	"	PUNCT
cblr-1739	215	39	ftc	ftc	PROPN
cblr-1739	215	40	”	"	PUNCT
cblr-1739	215	41	)	)	PUNCT
cblr-1739	215	42	had	have	VERB
cblr-1739	215	43	primary	primary	ADJ
cblr-1739	215	44	regulatory	regulatory	ADJ
cblr-1739	215	45	responsibility	responsibility	NOUN
cblr-1739	215	46	over	over	ADP
cblr-1739	215	47	the	the	DET
cblr-1739	215	48	credit	credit	NOUN
cblr-1739	215	49	bureaus.55	bureaus.55	NOUN
cblr-1739	215	50	the	the	DET
cblr-1739	215	51	dodd	dodd	PROPN
cblr-1739	215	52	-	-	PUNCT
cblr-1739	215	53	frank	frank	PROPN
cblr-1739	215	54	act	act	PROPN
cblr-1739	215	55	transferred	transfer	VERB
cblr-1739	215	56	a	a	DET
cblr-1739	215	57	significant	significant	ADJ
cblr-1739	215	58	part	part	NOUN
cblr-1739	215	59	of	of	ADP
cblr-1739	215	60	the	the	DET
cblr-1739	215	61	ftc	ftc	PROPN
cblr-1739	215	62	’s	’s	PART
cblr-1739	215	63	enforcement	enforcement	PROPN
cblr-1739	215	64	authority	authority	NOUN
cblr-1739	215	65	to	to	ADP
cblr-1739	215	66	the	the	DET
cblr-1739	215	67	consumer	consumer	NOUN
cblr-1739	215	68	financial	financial	PROPN
cblr-1739	215	69	protection	protection	PROPN
cblr-1739	215	70	bureau	bureau	PROPN
cblr-1739	215	71	(	(	PUNCT
cblr-1739	215	72	“	"	PUNCT
cblr-1739	215	73	cfpb”),56	cfpb”),56	NOUN
cblr-1739	215	74	but	but	CCONJ
cblr-1739	215	75	the	the	DET
cblr-1739	215	76	two	two	NUM
cblr-1739	215	77	regulatory	regulatory	ADJ
cblr-1739	215	78	agencies	agency	NOUN
cblr-1739	215	79	still	still	ADV
cblr-1739	215	80	share	share	VERB
cblr-1739	215	81	some	some	DET
cblr-1739	215	82	overlapping	overlap	VERB
cblr-1739	215	83	enforcement	enforcement	NOUN
cblr-1739	215	84	power	power	NOUN
cblr-1739	215	85	over	over	ADP
cblr-1739	215	86	fcra	fcra	NOUN
cblr-1739	215	87	consumer	consumer	NOUN
cblr-1739	215	88	regulations.57	regulations.57	NOUN
cblr-1739	215	89	shortly	shortly	ADV
cblr-1739	215	90	after	after	ADP
cblr-1739	215	91	its	its	PRON
cblr-1739	215	92	initiation	initiation	NOUN
cblr-1739	215	93	,	,	PUNCT
cblr-1739	215	94	the	the	DET
cblr-1739	215	95	cfpb	cfpb	NOUN
cblr-1739	215	96	,	,	PUNCT
cblr-1739	215	97	which	which	PRON
cblr-1739	215	98	is	be	AUX
cblr-1739	215	99	empowered	empower	VERB
cblr-1739	215	100	to	to	PART
cblr-1739	215	101	oversee	oversee	VERB
cblr-1739	215	102	“	"	PUNCT
cblr-1739	215	103	larger	large	ADJ
cblr-1739	215	104	participant[s	participant[s	NOUN
cblr-1739	215	105	]	]	PUNCT
cblr-1739	215	106	of	of	ADP
cblr-1739	215	107	a	a	DET
cblr-1739	215	108	market	market	NOUN
cblr-1739	215	109	for	for	ADP
cblr-1739	215	110	other	other	ADJ
cblr-1739	215	111	consumer	consumer	NOUN
cblr-1739	215	112	financial	financial	ADJ
cblr-1739	215	113	products	product	NOUN
cblr-1739	215	114	or	or	CCONJ
cblr-1739	215	115	51	51	NUM
cblr-1739	215	116	see	see	VERB
cblr-1739	215	117	i	i	PRON
cblr-1739	215	118	d.	d.	PROPN
cblr-1739	215	119	52	52	NUM
cblr-1739	215	120	see	see	VERB
cblr-1739	215	121	i	i	PRON
cblr-1739	215	122	d.	d.	PROPN
cblr-1739	215	123	53	53	NUM
cblr-1739	215	124	see	see	VERB
cblr-1739	215	125	dodd	dodd	PROPN
cblr-1739	215	126	-	-	PUNCT
cblr-1739	215	127	frank	frank	PROPN
cblr-1739	215	128	act	act	PROPN
cblr-1739	215	129	,	,	PUNCT
cblr-1739	215	130	pub	pub	NOUN
cblr-1739	215	131	.	.	PUNCT
cblr-1739	216	1	l.	l.	PROPN
cblr-1739	216	2	no	no	INTJ
cblr-1739	216	3	.	.	PUNCT
cblr-1739	217	1	111–203	111–203	NUM
cblr-1739	217	2	,	,	PUNCT
cblr-1739	217	3	§	§	PROPN
cblr-1739	217	4	932	932	NUM
cblr-1739	217	5	,	,	PUNCT
cblr-1739	217	6	124	124	NUM
cblr-1739	217	7	stat	stat	NOUN
cblr-1739	217	8	.	.	PUNCT
cblr-1739	218	1	1376	1376	NUM
cblr-1739	218	2	,	,	PUNCT
cblr-1739	218	3	1872–83	1872–83	NUM
cblr-1739	218	4	(	(	PUNCT
cblr-1739	218	5	2010	2010	NUM
cblr-1739	218	6	)	)	PUNCT
cblr-1739	218	7	.	.	PUNCT
cblr-1739	219	1	54	54	NUM
cblr-1739	219	2	jeffrey	jeffrey	PROPN
cblr-1739	219	3	manns	manns	PROPN
cblr-1739	219	4	,	,	PUNCT
cblr-1739	219	5	downgrading	downgrade	VERB
cblr-1739	219	6	rating	rating	NOUN
cblr-1739	219	7	agency	agency	NOUN
cblr-1739	219	8	reform	reform	NOUN
cblr-1739	219	9	,	,	PUNCT
cblr-1739	219	10	81	81	NUM
cblr-1739	219	11	geo	geo	PROPN
cblr-1739	219	12	.	.	PROPN
cblr-1739	219	13	wash	wash	PROPN
cblr-1739	219	14	.	.	PUNCT
cblr-1739	220	1	l.	l.	PROPN
cblr-1739	220	2	rev	rev	PROPN
cblr-1739	220	3	.	.	PROPN
cblr-1739	221	1	749	749	NUM
cblr-1739	221	2	,	,	PUNCT
cblr-1739	221	3	771	771	NUM
cblr-1739	221	4	(	(	PUNCT
cblr-1739	221	5	2013	2013	NUM
cblr-1739	221	6	)	)	PUNCT
cblr-1739	221	7	.	.	PUNCT
cblr-1739	222	1	55	55	NUM
cblr-1739	222	2	15	15	NUM
cblr-1739	222	3	u.s.c	u.s.c	NOUN
cblr-1739	222	4	.	.	PUNCT
cblr-1739	223	1	§	§	PROPN
cblr-1739	223	2	1681s(a)(1	1681s(a)(1	NUM
cblr-1739	223	3	)	)	PUNCT
cblr-1739	223	4	(	(	PUNCT
cblr-1739	223	5	2012	2012	NUM
cblr-1739	223	6	)	)	PUNCT
cblr-1739	223	7	(	(	PUNCT
cblr-1739	223	8	granting	grant	VERB
cblr-1739	223	9	limited	limited	ADJ
cblr-1739	223	10	administrative	administrative	ADJ
cblr-1739	223	11	enforcement	enforcement	NOUN
cblr-1739	223	12	power	power	NOUN
cblr-1739	223	13	to	to	PART
cblr-1739	223	14	state	state	NOUN
cblr-1739	223	15	attorneys	attorney	NOUN
cblr-1739	223	16	general	general	ADJ
cblr-1739	223	17	)	)	PUNCT
cblr-1739	223	18	.	.	PUNCT
cblr-1739	224	1	see	see	VERB
cblr-1739	224	2	15	15	NUM
cblr-1739	224	3	u.s.c	u.s.c	ADJ
cblr-1739	224	4	.	.	PUNCT
cblr-1739	225	1	§	§	PROPN
cblr-1739	225	2	1681s	1681s	NUM
cblr-1739	225	3	(	(	PUNCT
cblr-1739	225	4	2012	2012	NUM
cblr-1739	225	5	)	)	PUNCT
cblr-1739	225	6	.	.	PUNCT
cblr-1739	226	1	56	56	NUM
cblr-1739	226	2	12	12	NUM
cblr-1739	226	3	u.s.c	u.s.c	NOUN
cblr-1739	226	4	.	.	PUNCT
cblr-1739	227	1	§	§	PROPN
cblr-1739	227	2	5581(5	5581(5	NUM
cblr-1739	227	3	)	)	PUNCT
cblr-1739	227	4	(	(	PUNCT
cblr-1739	227	5	2012	2012	NUM
cblr-1739	227	6	)	)	PUNCT
cblr-1739	227	7	.	.	PUNCT
cblr-1739	228	1	for	for	ADP
cblr-1739	228	2	more	more	ADJ
cblr-1739	228	3	on	on	ADP
cblr-1739	228	4	the	the	DET
cblr-1739	228	5	agency	agency	NOUN
cblr-1739	228	6	,	,	PUNCT
cblr-1739	228	7	see	see	VERB
cblr-1739	228	8	,	,	PUNCT
cblr-1739	228	9	e.g.	e.g.	ADV
cblr-1739	228	10	,	,	PUNCT
cblr-1739	228	11	todd	todd	PROPN
cblr-1739	228	12	j.	j.	PROPN
cblr-1739	228	13	zywicki	zywicki	PROPN
cblr-1739	228	14	,	,	PUNCT
cblr-1739	228	15	the	the	DET
cblr-1739	228	16	consumer	consumer	NOUN
cblr-1739	228	17	financial	financial	PROPN
cblr-1739	228	18	protection	protection	PROPN
cblr-1739	228	19	bureau	bureau	PROPN
cblr-1739	228	20	:	:	PUNCT
cblr-1739	228	21	savior	savior	NOUN
cblr-1739	228	22	or	or	CCONJ
cblr-1739	228	23	menace	menace	NOUN
cblr-1739	228	24	?	?	PUNCT
cblr-1739	229	1	81	81	NUM
cblr-1739	229	2	geo	geo	PROPN
cblr-1739	229	3	.	.	PROPN
cblr-1739	229	4	wash	wash	PROPN
cblr-1739	229	5	.	.	PUNCT
cblr-1739	230	1	l.	l.	PROPN
cblr-1739	230	2	rev	rev	PROPN
cblr-1739	230	3	.	.	PROPN
cblr-1739	230	4	856	856	NUM
cblr-1739	230	5	,	,	PUNCT
cblr-1739	230	6	860	860	NUM
cblr-1739	230	7	(	(	PUNCT
cblr-1739	230	8	2013	2013	NUM
cblr-1739	230	9	)	)	PUNCT
cblr-1739	230	10	.	.	PUNCT
cblr-1739	231	1	see	see	VERB
cblr-1739	231	2	,	,	PUNCT
cblr-1739	231	3	e.g.	e.g.	ADV
cblr-1739	231	4	,	,	PUNCT
cblr-1739	231	5	12	12	NUM
cblr-1739	231	6	u.s.c	u.s.c	NOUN
cblr-1739	231	7	.	.	PUNCT
cblr-1739	232	1	§	§	PROPN
cblr-1739	232	2	5514(c)(3	5514(c)(3	NUM
cblr-1739	232	3	)	)	PUNCT
cblr-1739	232	4	.	.	PUNCT
cblr-1739	233	1	57	57	NUM
cblr-1739	233	2	see	see	NOUN
cblr-1739	233	3	,	,	PUNCT
cblr-1739	233	4	e.g.	e.g.	ADV
cblr-1739	233	5	,	,	PUNCT
cblr-1739	233	6	12	12	NUM
cblr-1739	233	7	u.s.c	u.s.c	NOUN
cblr-1739	233	8	.	.	PUNCT
cblr-1739	234	1	§	§	PROPN
cblr-1739	234	2	5514(c)(3	5514(c)(3	NUM
cblr-1739	234	3	)	)	PUNCT
cblr-1739	234	4	(	(	PUNCT
cblr-1739	234	5	2012	2012	NUM
cblr-1739	234	6	)	)	PUNCT
cblr-1739	234	7	.	.	PUNCT
cblr-1739	235	1	geslevich	geslevich	PROPN
cblr-1739	235	2	packin	packin	PROPN
cblr-1739	235	3	&	&	CCONJ
cblr-1739	235	4	lev	lev	PROPN
cblr-1739	235	5	-	-	PUNCT
cblr-1739	235	6	aretz	aretz	PROPN
cblr-1739	235	7	–	–	PUNCT
cblr-1739	235	8	final	final	ADJ
cblr-1739	235	9	no	no	NOUN
cblr-1739	235	10	.	.	PUNCT
cblr-1739	236	1	2:339	2:339	NUM
cblr-1739	236	2	]	]	X
cblr-1739	236	3	on	on	ADP
cblr-1739	236	4	social	social	ADJ
cblr-1739	236	5	credit	credit	NOUN
cblr-1739	236	6	355	355	NUM
cblr-1739	236	7	services,”58	services,”58	NOUN
cblr-1739	236	8	issued	issue	VERB
cblr-1739	236	9	a	a	DET
cblr-1739	236	10	rule	rule	NOUN
cblr-1739	236	11	to	to	PART
cblr-1739	236	12	define	define	VERB
cblr-1739	236	13	credit	credit	NOUN
cblr-1739	236	14	-	-	PUNCT
cblr-1739	236	15	reporting	report	VERB
cblr-1739	236	16	agencies	agency	NOUN
cblr-1739	236	17	as	as	ADP
cblr-1739	236	18	“	"	PUNCT
cblr-1739	236	19	larger	large	ADJ
cblr-1739	236	20	participants”59	participants”59	PROPN
cblr-1739	236	21	and	and	CCONJ
cblr-1739	236	22	confirmed	confirm	VERB
cblr-1739	236	23	that	that	SCONJ
cblr-1739	236	24	credit	credit	NOUN
cblr-1739	236	25	-	-	PUNCT
cblr-1739	236	26	reporting	report	VERB
cblr-1739	236	27	agencies	agency	NOUN
cblr-1739	236	28	are	be	AUX
cblr-1739	236	29	subject	subject	ADJ
cblr-1739	236	30	to	to	ADP
cblr-1739	236	31	the	the	DET
cblr-1739	236	32	same	same	ADJ
cblr-1739	236	33	supervision	supervision	NOUN
cblr-1739	236	34	process	process	NOUN
cblr-1739	236	35	applied	apply	VERB
cblr-1739	236	36	to	to	ADP
cblr-1739	236	37	banks.60	banks.60	PROPN
cblr-1739	236	38	b.	b.	PROPN
cblr-1739	237	1	future	future	ADJ
cblr-1739	237	2	opportunities	opportunity	NOUN
cblr-1739	237	3	for	for	ADP
cblr-1739	237	4	financial	financial	ADJ
cblr-1739	237	5	inclusion	inclusion	NOUN
cblr-1739	237	6	notwithstanding	notwithstanding	ADP
cblr-1739	237	7	the	the	DET
cblr-1739	237	8	constant	constant	ADJ
cblr-1739	237	9	improvement	improvement	NOUN
cblr-1739	237	10	that	that	SCONJ
cblr-1739	237	11	the	the	DET
cblr-1739	237	12	existing	exist	VERB
cblr-1739	237	13	credit	credit	NOUN
cblr-1739	237	14	-	-	PUNCT
cblr-1739	237	15	scoring	scoring	NOUN
cblr-1739	237	16	regime	regime	NOUN
cblr-1739	237	17	has	have	AUX
cblr-1739	237	18	undergone	undergo	VERB
cblr-1739	237	19	in	in	ADP
cblr-1739	237	20	the	the	DET
cblr-1739	237	21	past	past	ADJ
cblr-1739	237	22	few	few	ADJ
cblr-1739	237	23	decades	decade	NOUN
cblr-1739	237	24	,	,	PUNCT
cblr-1739	237	25	it	it	PRON
cblr-1739	237	26	has	have	VERB
cblr-1739	237	27	yet	yet	ADV
cblr-1739	237	28	to	to	PART
cblr-1739	237	29	succeed	succeed	VERB
cblr-1739	237	30	in	in	ADP
cblr-1739	237	31	providing	provide	VERB
cblr-1739	237	32	appropriate	appropriate	ADJ
cblr-1739	237	33	tools	tool	NOUN
cblr-1739	237	34	for	for	ADP
cblr-1739	237	35	broader	broad	ADJ
cblr-1739	237	36	financial	financial	ADJ
cblr-1739	237	37	inclusion	inclusion	NOUN
cblr-1739	237	38	.	.	PUNCT
cblr-1739	238	1	a	a	DET
cblr-1739	238	2	2013	2013	NUM
cblr-1739	238	3	report	report	NOUN
cblr-1739	238	4	estimated	estimate	VERB
cblr-1739	238	5	the	the	DET
cblr-1739	238	6	financially	financially	ADV
cblr-1739	238	7	underserved	underserved	ADJ
cblr-1739	238	8	community	community	NOUN
cblr-1739	238	9	at	at	ADP
cblr-1739	238	10	nearly	nearly	ADV
cblr-1739	238	11	67	67	NUM
cblr-1739	238	12	million	million	NUM
cblr-1739	238	13	credit	credit	NOUN
cblr-1739	238	14	invisibles	invisible	NOUN
cblr-1739	238	15	who	who	PRON
cblr-1739	238	16	have	have	VERB
cblr-1739	238	17	thin	thin	ADJ
cblr-1739	238	18	or	or	CCONJ
cblr-1739	238	19	no	no	DET
cblr-1739	238	20	credit	credit	NOUN
cblr-1739	238	21	files.61	files.61	NOUN
cblr-1739	238	22	this	this	DET
cblr-1739	238	23	cohort	cohort	NOUN
cblr-1739	238	24	includes	include	VERB
cblr-1739	238	25	mostly	mostly	ADV
cblr-1739	238	26	college	college	NOUN
cblr-1739	238	27	students	student	NOUN
cblr-1739	238	28	and	and	CCONJ
cblr-1739	238	29	young	young	ADJ
cblr-1739	238	30	adults	adult	NOUN
cblr-1739	238	31	,	,	PUNCT
cblr-1739	238	32	immigrants	immigrant	NOUN
cblr-1739	238	33	,	,	PUNCT
cblr-1739	238	34	widows	widow	NOUN
cblr-1739	238	35	or	or	CCONJ
cblr-1739	238	36	new	new	ADJ
cblr-1739	238	37	divorcees	divorcee	NOUN
cblr-1739	238	38	,	,	PUNCT
cblr-1739	238	39	the	the	DET
cblr-1739	238	40	elderly	elderly	ADJ
cblr-1739	238	41	,	,	PUNCT
cblr-1739	238	42	ethnic	ethnic	ADJ
cblr-1739	238	43	minorities	minority	NOUN
cblr-1739	238	44	,	,	PUNCT
cblr-1739	238	45	low	low	ADJ
cblr-1739	238	46	-	-	PUNCT
cblr-1739	238	47	income	income	NOUN
cblr-1739	238	48	individuals	individual	NOUN
cblr-1739	238	49	,	,	PUNCT
cblr-1739	238	50	and	and	CCONJ
cblr-1739	238	51	individuals	individual	NOUN
cblr-1739	238	52	who	who	PRON
cblr-1739	238	53	mistrust	mistrust	VERB
cblr-1739	238	54	large	large	ADJ
cblr-1739	238	55	financial	financial	ADJ
cblr-1739	238	56	institutions.62	institutions.62	NOUN
cblr-1739	238	57	lacking	lack	VERB
cblr-1739	238	58	relevant	relevant	ADJ
cblr-1739	238	59	financial	financial	ADJ
cblr-1739	238	60	records	record	NOUN
cblr-1739	238	61	,	,	PUNCT
cblr-1739	238	62	such	such	ADJ
cblr-1739	238	63	as	as	ADP
cblr-1739	238	64	evidence	evidence	NOUN
cblr-1739	238	65	of	of	ADP
cblr-1739	238	66	a	a	DET
cblr-1739	238	67	loan	loan	NOUN
cblr-1739	238	68	repayment	repayment	NOUN
cblr-1739	238	69	,	,	PUNCT
cblr-1739	238	70	to	to	PART
cblr-1739	238	71	meet	meet	VERB
cblr-1739	238	72	the	the	DET
cblr-1739	238	73	requirements	requirement	NOUN
cblr-1739	238	74	of	of	ADP
cblr-1739	238	75	conventional	conventional	ADJ
cblr-1739	238	76	scoring	scoring	NOUN
cblr-1739	238	77	models	model	NOUN
cblr-1739	238	78	,	,	PUNCT
cblr-1739	238	79	these	these	DET
cblr-1739	238	80	consumers	consumer	NOUN
cblr-1739	238	81	do	do	AUX
cblr-1739	238	82	not	not	PART
cblr-1739	238	83	generate	generate	VERB
cblr-1739	238	84	sufficient	sufficient	ADJ
cblr-1739	238	85	data	datum	NOUN
cblr-1739	238	86	to	to	PART
cblr-1739	238	87	establish	establish	VERB
cblr-1739	238	88	credit	credit	NOUN
cblr-1739	238	89	standing	standing	NOUN
cblr-1739	238	90	.	.	PUNCT
cblr-1739	239	1	as	as	ADP
cblr-1739	239	2	a	a	DET
cblr-1739	239	3	result	result	NOUN
cblr-1739	239	4	,	,	PUNCT
cblr-1739	239	5	millions	million	NOUN
cblr-1739	239	6	are	be	AUX
cblr-1739	239	7	considered	consider	VERB
cblr-1739	239	8	“	"	PUNCT
cblr-1739	239	9	unscorable	unscorable	ADJ
cblr-1739	239	10	,	,	PUNCT
cblr-1739	239	11	”	"	PUNCT
cblr-1739	239	12	and	and	CCONJ
cblr-1739	239	13	their	their	PRON
cblr-1739	239	14	economic	economic	ADJ
cblr-1739	239	15	behavior	behavior	NOUN
cblr-1739	239	16	,	,	PUNCT
cblr-1739	239	17	which	which	PRON
cblr-1739	239	18	amounts	amount	VERB
cblr-1739	239	19	to	to	ADP
cblr-1739	239	20	a	a	DET
cblr-1739	239	21	significant	significant	ADJ
cblr-1739	239	22	share	share	NOUN
cblr-1739	239	23	of	of	ADP
cblr-1739	239	24	the	the	DET
cblr-1739	239	25	country	country	NOUN
cblr-1739	239	26	’s	’s	PART
cblr-1739	239	27	economy	economy	NOUN
cblr-1739	239	28	,	,	PUNCT
cblr-1739	239	29	is	be	AUX
cblr-1739	239	30	marginalized.63	marginalized.63	ADJ
cblr-1739	239	31	unscored	unscored	ADJ
cblr-1739	239	32	individuals	individual	NOUN
cblr-1739	239	33	are	be	AUX
cblr-1739	239	34	generally	generally	ADV
cblr-1739	239	35	ineligible	ineligible	ADJ
cblr-1739	239	36	for	for	ADP
cblr-1739	239	37	lending	lending	NOUN
cblr-1739	239	38	services	service	NOUN
cblr-1739	239	39	such	such	ADJ
cblr-1739	239	40	58	58	NUM
cblr-1739	239	41	12	12	NUM
cblr-1739	239	42	u.s.c	u.s.c	NOUN
cblr-1739	239	43	.	.	PUNCT
cblr-1739	240	1	§	§	PROPN
cblr-1739	240	2	5514(a)(1)(b	5514(a)(1)(b	NUM
cblr-1739	240	3	)	)	PUNCT
cblr-1739	240	4	(	(	PUNCT
cblr-1739	240	5	supp	supp	PROPN
cblr-1739	240	6	.	.	PUNCT
cblr-1739	241	1	iv	iv	NUM
cblr-1739	241	2	2011	2011	NUM
cblr-1739	241	3	)	)	PUNCT
cblr-1739	241	4	.	.	PUNCT
cblr-1739	242	1	59	59	NUM
cblr-1739	242	2	press	press	NOUN
cblr-1739	242	3	release	release	NOUN
cblr-1739	242	4	,	,	PUNCT
cblr-1739	242	5	cfpb	cfpb	NOUN
cblr-1739	242	6	,	,	PUNCT
cblr-1739	242	7	cfpb	cfpb	NOUN
cblr-1739	242	8	to	to	PART
cblr-1739	242	9	supervise	supervise	VERB
cblr-1739	242	10	credit	credit	NOUN
cblr-1739	242	11	reporting	reporting	NOUN
cblr-1739	242	12	(	(	PUNCT
cblr-1739	242	13	july	july	PROPN
cblr-1739	242	14	16	16	NUM
cblr-1739	242	15	,	,	PUNCT
cblr-1739	242	16	2012	2012	NUM
cblr-1739	242	17	)	)	PUNCT
cblr-1739	242	18	,	,	PUNCT
cblr-1739	242	19	http://www.consumerfinance.gov/about-us/newsroom/consumerfinancial-protection-bureau-to-superivse-credit-reporting-2/	http://www.consumerfinance.gov/about-us/newsroom/consumerfinancial-protection-bureau-to-superivse-credit-reporting-2/	VERB
cblr-1739	242	20	[	[	X
cblr-1739	242	21	https://perma	https://perma	X
cblr-1739	242	22	.	.	PUNCT
cblr-1739	242	23	cc	cc	NOUN
cblr-1739	242	24	/	/	SYM
cblr-1739	242	25	sgk6	sgk6	NOUN
cblr-1739	242	26	-	-	PUNCT
cblr-1739	242	27	s3u5	s3u5	NOUN
cblr-1739	242	28	]	]	PUNCT
cblr-1739	242	29	.	.	PUNCT
cblr-1739	243	1	60	60	NUM
cblr-1739	243	2	see	see	VERB
cblr-1739	243	3	carter	carter	PROPN
cblr-1739	243	4	dougherty	dougherty	PROPN
cblr-1739	243	5	,	,	PUNCT
cblr-1739	243	6	consumer	consumer	NOUN
cblr-1739	243	7	bureau	bureau	NOUN
cblr-1739	243	8	to	to	PART
cblr-1739	243	9	supervise	supervise	VERB
cblr-1739	243	10	debt	debt	NOUN
cblr-1739	243	11	collectors	collector	NOUN
cblr-1739	243	12	,	,	PUNCT
cblr-1739	243	13	credit	credit	NOUN
cblr-1739	243	14	bureaus	bureaus	NOUN
cblr-1739	243	15	,	,	PUNCT
cblr-1739	243	16	bloomberg	bloomberg	PROPN
cblr-1739	243	17	(	(	PUNCT
cblr-1739	243	18	feb	feb	PROPN
cblr-1739	243	19	.	.	PROPN
cblr-1739	243	20	16	16	NUM
cblr-1739	243	21	,	,	PUNCT
cblr-1739	243	22	2012	2012	NUM
cblr-1739	243	23	)	)	PUNCT
cblr-1739	243	24	,	,	PUNCT
cblr-1739	243	25	http://www	http://www	PROPN
cblr-1739	243	26	.	.	PUNCT
cblr-1739	244	1	bloomberg.com/news/articles/2012-02-16/consumer-bureau-to-supervisedebt-collectors	bloomberg.com/news/articles/2012-02-16/consumer-bureau-to-supervisedebt-collector	NOUN
cblr-1739	244	2	[	[	X
cblr-1739	244	3	http://perma.cc/q8q6-ypg3	http://perma.cc/q8q6-ypg3	X
cblr-1739	244	4	]	]	X
cblr-1739	244	5	.	.	PUNCT
cblr-1739	245	1	61	61	NUM
cblr-1739	245	2	see	see	VERB
cblr-1739	245	3	fed	fed	PROPN
cblr-1739	245	4	.	.	PUNCT
cblr-1739	246	1	deposit	deposit	PROPN
cblr-1739	246	2	ins	ins	PROPN
cblr-1739	246	3	.	.	PUNCT
cblr-1739	246	4	corp	corp	PROPN
cblr-1739	246	5	.	.	PROPN
cblr-1739	246	6	,	,	PUNCT
cblr-1739	246	7	2013	2013	NUM
cblr-1739	246	8	fdic	fdic	PROPN
cblr-1739	246	9	national	national	ADJ
cblr-1739	246	10	survey	survey	NOUN
cblr-1739	246	11	of	of	ADP
cblr-1739	246	12	unbanked	unbanked	ADJ
cblr-1739	246	13	and	and	CCONJ
cblr-1739	246	14	underbanked	underbanked	ADJ
cblr-1739	246	15	households	household	NOUN
cblr-1739	246	16	4	4	NUM
cblr-1739	246	17	(	(	PUNCT
cblr-1739	246	18	2014	2014	NUM
cblr-1739	246	19	)	)	PUNCT
cblr-1739	246	20	,	,	PUNCT
cblr-1739	246	21	https://www.fdic.gov/	https://www.fdic.gov/	NOUN
cblr-1739	246	22	householdsurvey/2013report.pdf	householdsurvey/2013report.pdf	NOUN
cblr-1739	247	1	[	[	X
cblr-1739	247	2	https://perma.cc/9bxk-nfwr	https://perma.cc/9bxk-nfwr	X
cblr-1739	247	3	]	]	X
cblr-1739	247	4	.	.	PUNCT
cblr-1739	248	1	62	62	NUM
cblr-1739	248	2	see	see	VERB
cblr-1739	248	3	david	david	PROPN
cblr-1739	248	4	bornstein	bornstein	PROPN
cblr-1739	248	5	,	,	PUNCT
cblr-1739	248	6	‘	'	PUNCT
cblr-1739	248	7	invisible	invisible	ADJ
cblr-1739	248	8	’	'	PUNCT
cblr-1739	248	9	credit	credit	NOUN
cblr-1739	248	10	?	?	PUNCT
cblr-1739	249	1	(	(	PUNCT
cblr-1739	249	2	read	read	VERB
cblr-1739	249	3	this	this	PRON
cblr-1739	249	4	now	now	ADV
cblr-1739	249	5	!	!	PUNCT
cblr-1739	249	6	)	)	PUNCT
cblr-1739	249	7	,	,	PUNCT
cblr-1739	249	8	n.y	n.y	PROPN
cblr-1739	249	9	.	.	PROPN
cblr-1739	249	10	times	times	PROPN
cblr-1739	249	11	(	(	PUNCT
cblr-1739	249	12	oct	oct	PROPN
cblr-1739	249	13	.	.	PROPN
cblr-1739	249	14	2	2	NUM
cblr-1739	249	15	,	,	PUNCT
cblr-1739	249	16	2014	2014	NUM
cblr-1739	249	17	)	)	PUNCT
cblr-1739	249	18	,	,	PUNCT
cblr-1739	249	19	http://opinionator.blogs.nytimes.com/2014/10/02/	http://opinionator.blogs.nytimes.com/2014/10/02/	PROPN
cblr-1739	249	20	invisible	invisible	ADJ
cblr-1739	249	21	-	-	PUNCT
cblr-1739	249	22	credit	credit	NOUN
cblr-1739	249	23	-	-	PUNCT
cblr-1739	249	24	read	read	NOUN
cblr-1739	249	25	-	-	PUNCT
cblr-1739	249	26	this	this	PRON
cblr-1739	249	27	-	-	PUNCT
cblr-1739	249	28	now/	now/	ADJ
cblr-1739	250	1	[	[	X
cblr-1739	251	1	http://perma.cc/tsj3-4mqc	http://perma.cc/tsj3-4mqc	NOUN
cblr-1739	251	2	]	]	X
cblr-1739	251	3	.	.	PUNCT
cblr-1739	252	1	63	63	NUM
cblr-1739	252	2	see	see	VERB
cblr-1739	252	3	i	i	PROPN
cblr-1739	252	4	d.	d.	PROPN
cblr-1739	252	5	geslevich	geslevich	PROPN
cblr-1739	252	6	packin	packin	PROPN
cblr-1739	252	7	&	&	CCONJ
cblr-1739	252	8	lev	lev	PROPN
cblr-1739	252	9	-	-	PUNCT
cblr-1739	252	10	aretz	aretz	PROPN
cblr-1739	252	11	–	–	PUNCT
cblr-1739	252	12	final	final	ADJ
cblr-1739	252	13	356	356	NUM
cblr-1739	252	14	columbia	columbia	PROPN
cblr-1739	252	15	business	business	NOUN
cblr-1739	252	16	law	law	PROPN
cblr-1739	252	17	review	review	NOUN
cblr-1739	252	18	[	[	X
cblr-1739	252	19	vol	vol	NOUN
cblr-1739	252	20	.	.	NOUN
cblr-1739	252	21	2016	2016	NUM
cblr-1739	252	22	as	as	ADP
cblr-1739	252	23	auto	auto	NOUN
cblr-1739	252	24	loans	loan	NOUN
cblr-1739	252	25	,	,	PUNCT
cblr-1739	252	26	mortgages	mortgage	NOUN
cblr-1739	252	27	,	,	PUNCT
cblr-1739	252	28	and	and	CCONJ
cblr-1739	252	29	student	student	NOUN
cblr-1739	252	30	loans	loan	NOUN
cblr-1739	252	31	.	.	PUNCT
cblr-1739	253	1	in	in	ADP
cblr-1739	253	2	addition	addition	NOUN
cblr-1739	253	3	,	,	PUNCT
cblr-1739	253	4	they	they	PRON
cblr-1739	253	5	can	can	AUX
cblr-1739	253	6	not	not	PART
cblr-1739	253	7	enjoy	enjoy	VERB
cblr-1739	253	8	short	short	ADJ
cblr-1739	253	9	-	-	PUNCT
cblr-1739	253	10	term	term	NOUN
cblr-1739	253	11	credit	credit	NOUN
cblr-1739	253	12	for	for	ADP
cblr-1739	253	13	routine	routine	ADJ
cblr-1739	253	14	or	or	CCONJ
cblr-1739	253	15	emergency	emergency	NOUN
cblr-1739	253	16	necessities.64	necessities.64	PROPN
cblr-1739	253	17	in	in	ADP
cblr-1739	253	18	the	the	DET
cblr-1739	253	19	absence	absence	NOUN
cblr-1739	253	20	of	of	ADP
cblr-1739	253	21	mainstream	mainstream	NOUN
cblr-1739	253	22	lending	lending	NOUN
cblr-1739	253	23	products	product	NOUN
cblr-1739	253	24	,	,	PUNCT
cblr-1739	253	25	these	these	DET
cblr-1739	253	26	individuals	individual	NOUN
cblr-1739	253	27	turn	turn	VERB
cblr-1739	253	28	to	to	ADP
cblr-1739	253	29	alternatives	alternative	NOUN
cblr-1739	253	30	like	like	ADP
cblr-1739	253	31	payday	payday	NOUN
cblr-1739	253	32	loans	loan	NOUN
cblr-1739	253	33	that	that	PRON
cblr-1739	253	34	entail	entail	VERB
cblr-1739	253	35	excessive	excessive	ADJ
cblr-1739	253	36	fees	fee	NOUN
cblr-1739	253	37	,	,	PUNCT
cblr-1739	253	38	high	high	ADJ
cblr-1739	253	39	interest	interest	NOUN
cblr-1739	253	40	rates	rate	NOUN
cblr-1739	253	41	,	,	PUNCT
cblr-1739	253	42	and	and	CCONJ
cblr-1739	253	43	draconian	draconian	ADJ
cblr-1739	253	44	terms.65	terms.65	NOUN
cblr-1739	253	45	clearly	clearly	ADV
cblr-1739	253	46	,	,	PUNCT
cblr-1739	253	47	policy	policy	NOUN
cblr-1739	253	48	-	-	PUNCT
cblr-1739	253	49	makers	maker	NOUN
cblr-1739	253	50	must	must	AUX
cblr-1739	253	51	strike	strike	VERB
cblr-1739	253	52	the	the	DET
cblr-1739	253	53	right	right	ADJ
cblr-1739	253	54	equilibrium	equilibrium	NOUN
cblr-1739	253	55	between	between	ADP
cblr-1739	253	56	responsible	responsible	ADJ
cblr-1739	253	57	underwriting	underwriting	NOUN
cblr-1739	253	58	and	and	CCONJ
cblr-1739	253	59	access	access	NOUN
cblr-1739	253	60	to	to	ADP
cblr-1739	253	61	credit.66	credit.66	NOUN
cblr-1739	253	62	access	access	NOUN
cblr-1739	253	63	to	to	ADP
cblr-1739	253	64	credit	credit	NOUN
cblr-1739	253	65	is	be	AUX
cblr-1739	253	66	a	a	DET
cblr-1739	253	67	cornerstone	cornerstone	NOUN
cblr-1739	253	68	of	of	ADP
cblr-1739	253	69	financial	financial	ADJ
cblr-1739	253	70	advancement	advancement	NOUN
cblr-1739	253	71	and	and	CCONJ
cblr-1739	253	72	a	a	DET
cblr-1739	253	73	vital	vital	ADJ
cblr-1739	253	74	asset	asset	NOUN
cblr-1739	253	75	-	-	PUNCT
cblr-1739	253	76	building	building	NOUN
cblr-1739	253	77	implement,67	implement,67	NOUN
cblr-1739	253	78	and	and	CCONJ
cblr-1739	253	79	regulators	regulator	NOUN
cblr-1739	253	80	,	,	PUNCT
cblr-1739	253	81	policymakers	policymaker	NOUN
cblr-1739	253	82	,	,	PUNCT
cblr-1739	253	83	academics	academic	NOUN
cblr-1739	253	84	,	,	PUNCT
cblr-1739	253	85	and	and	CCONJ
cblr-1739	253	86	consumers	consumer	NOUN
cblr-1739	253	87	share	share	VERB
cblr-1739	253	88	the	the	DET
cblr-1739	253	89	understanding	understanding	NOUN
cblr-1739	253	90	that	that	PRON
cblr-1739	253	91	broader	broad	ADJ
cblr-1739	253	92	financial	financial	ADJ
cblr-1739	253	93	inclusion	inclusion	NOUN
cblr-1739	253	94	is	be	AUX
cblr-1739	253	95	socially	socially	ADV
cblr-1739	253	96	desirable.68	desirable.68	PROPN
cblr-1739	253	97	catering	cater	VERB
cblr-1739	253	98	to	to	ADP
cblr-1739	253	99	the	the	DET
cblr-1739	253	100	credit	credit	NOUN
cblr-1739	253	101	-	-	PUNCT
cblr-1739	253	102	underserved	underserved	ADJ
cblr-1739	253	103	could	could	AUX
cblr-1739	253	104	also	also	ADV
cblr-1739	253	105	be	be	AUX
cblr-1739	253	106	an	an	DET
cblr-1739	253	107	exceptional	exceptional	ADJ
cblr-1739	253	108	business	business	NOUN
cblr-1739	253	109	opportunity	opportunity	NOUN
cblr-1739	253	110	for	for	SCONJ
cblr-1739	253	111	lenders	lender	NOUN
cblr-1739	253	112	to	to	PART
cblr-1739	253	113	provide	provide	VERB
cblr-1739	253	114	financial	financial	ADJ
cblr-1739	253	115	services	service	NOUN
cblr-1739	253	116	to	to	ADP
cblr-1739	253	117	those	those	DET
cblr-1739	253	118	outside	outside	ADP
cblr-1739	253	119	traditional	traditional	ADJ
cblr-1739	253	120	banking	banking	NOUN
cblr-1739	253	121	systems	system	NOUN
cblr-1739	253	122	through	through	ADP
cblr-1739	253	123	microfinance	microfinance	NOUN
cblr-1739	253	124	loans.69	loans.69	NOUN
cblr-1739	253	125	the	the	DET
cblr-1739	253	126	microfinance	microfinance	NOUN
cblr-1739	253	127	64	64	NUM
cblr-1739	253	128	see	see	VERB
cblr-1739	253	129	i	i	PRON
cblr-1739	253	130	d.	d.	PROPN
cblr-1739	253	131	;	;	PUNCT
cblr-1739	253	132	see	see	VERB
cblr-1739	253	133	also	also	ADV
cblr-1739	253	134	mehrsa	mehrsa	NOUN
cblr-1739	253	135	baradaran	baradaran	VERB
cblr-1739	253	136	,	,	PUNCT
cblr-1739	253	137	how	how	SCONJ
cblr-1739	253	138	the	the	DET
cblr-1739	253	139	poor	poor	ADJ
cblr-1739	253	140	got	get	AUX
cblr-1739	253	141	cut	cut	VERB
cblr-1739	253	142	out	out	ADP
cblr-1739	253	143	of	of	ADP
cblr-1739	253	144	banking	banking	NOUN
cblr-1739	253	145	,	,	PUNCT
cblr-1739	253	146	62	62	NUM
cblr-1739	253	147	emory	emory	PROPN
cblr-1739	253	148	l.j	l.j	PROPN
cblr-1739	253	149	.	.	PROPN
cblr-1739	253	150	483	483	NUM
cblr-1739	253	151	,	,	PUNCT
cblr-1739	253	152	489–90	489–90	NUM
cblr-1739	253	153	(	(	PUNCT
cblr-1739	253	154	2013	2013	NUM
cblr-1739	253	155	)	)	PUNCT
cblr-1739	253	156	.	.	PUNCT
cblr-1739	254	1	65	65	NUM
cblr-1739	254	2	a	a	DET
cblr-1739	254	3	recent	recent	ADJ
cblr-1739	254	4	report	report	NOUN
cblr-1739	254	5	by	by	ADP
cblr-1739	254	6	the	the	DET
cblr-1739	254	7	center	center	NOUN
cblr-1739	254	8	for	for	ADP
cblr-1739	254	9	responsible	responsible	ADJ
cblr-1739	254	10	lending	lending	NOUN
cblr-1739	254	11	describes	describe	VERB
cblr-1739	254	12	how	how	SCONJ
cblr-1739	254	13	mainstream	mainstream	ADJ
cblr-1739	254	14	credit	credit	NOUN
cblr-1739	254	15	alternatives	alternative	NOUN
cblr-1739	254	16	attract	attract	VERB
cblr-1739	254	17	poor	poor	ADJ
cblr-1739	254	18	consumers	consumer	NOUN
cblr-1739	254	19	into	into	ADP
cblr-1739	254	20	revolving	revolve	VERB
cblr-1739	254	21	debt	debt	NOUN
cblr-1739	254	22	and	and	CCONJ
cblr-1739	254	23	a	a	DET
cblr-1739	254	24	wealth	wealth	NOUN
cblr-1739	254	25	of	of	ADP
cblr-1739	254	26	problems	problem	NOUN
cblr-1739	254	27	.	.	PUNCT
cblr-1739	255	1	see	see	VERB
cblr-1739	255	2	james	james	PROPN
cblr-1739	255	3	h.	h.	PROPN
cblr-1739	255	4	carr	carr	PROPN
cblr-1739	255	5	,	,	PUNCT
cblr-1739	255	6	a	a	DET
cblr-1739	255	7	$	$	SYM
cblr-1739	255	8	1,000	1,000	NUM
cblr-1739	255	9	loan	loan	NOUN
cblr-1739	255	10	can	can	AUX
cblr-1739	255	11	balloon	balloon	VERB
cblr-1739	255	12	into	into	ADP
cblr-1739	255	13	a	a	DET
cblr-1739	255	14	$	$	SYM
cblr-1739	255	15	40,000	40,000	NUM
cblr-1739	255	16	debt	debt	NOUN
cblr-1739	255	17	—	—	PUNCT
cblr-1739	255	18	and	and	CCONJ
cblr-1739	255	19	it	it	PRON
cblr-1739	255	20	’s	’	VERB
cblr-1739	255	21	legal	legal	ADJ
cblr-1739	255	22	,	,	PUNCT
cblr-1739	255	23	forbes	forbes	PROPN
cblr-1739	255	24	(	(	PUNCT
cblr-1739	255	25	july	july	PROPN
cblr-1739	255	26	14	14	NUM
cblr-1739	255	27	,	,	PUNCT
cblr-1739	255	28	2015	2015	NUM
cblr-1739	255	29	)	)	PUNCT
cblr-1739	255	30	,	,	PUNCT
cblr-1739	255	31	http://www.forbes.com/sites/janetnovack/2015/07/14/a-1000-loan-canballoon-into-a-40000-debt-and-its-legal/	http://www.forbes.com/sites/janetnovack/2015/07/14/a-1000-loan-canballoon-into-a-40000-debt-and-its-legal/	NOUN
cblr-1739	256	1	[	[	X
cblr-1739	256	2	http://perma.cc/jr54-r8re	http://perma.cc/jr54-r8re	X
cblr-1739	256	3	]	]	X
cblr-1739	256	4	.	.	PUNCT
cblr-1739	257	1	66	66	NUM
cblr-1739	257	2	this	this	PRON
cblr-1739	257	3	is	be	AUX
cblr-1739	257	4	not	not	PART
cblr-1739	257	5	to	to	PART
cblr-1739	257	6	undermine	undermine	VERB
cblr-1739	257	7	the	the	DET
cblr-1739	257	8	importance	importance	NOUN
cblr-1739	257	9	of	of	ADP
cblr-1739	257	10	striking	strike	VERB
cblr-1739	257	11	the	the	DET
cblr-1739	257	12	right	right	ADJ
cblr-1739	257	13	equilibrium	equilibrium	NOUN
cblr-1739	257	14	between	between	ADP
cblr-1739	257	15	responsible	responsible	ADJ
cblr-1739	257	16	underwriting	underwriting	NOUN
cblr-1739	257	17	and	and	CCONJ
cblr-1739	257	18	access	access	NOUN
cblr-1739	257	19	to	to	ADP
cblr-1739	257	20	credit	credit	NOUN
cblr-1739	257	21	.	.	PUNCT
cblr-1739	258	1	for	for	SCONJ
cblr-1739	258	2	the	the	DET
cblr-1739	258	3	claim	claim	NOUN
cblr-1739	258	4	of	of	ADP
cblr-1739	258	5	a	a	DET
cblr-1739	258	6	causal	causal	ADJ
cblr-1739	258	7	connection	connection	NOUN
cblr-1739	258	8	between	between	ADP
cblr-1739	258	9	permissive	permissive	ADJ
cblr-1739	258	10	access	access	NOUN
cblr-1739	258	11	to	to	ADP
cblr-1739	258	12	credit	credit	NOUN
cblr-1739	258	13	and	and	CCONJ
cblr-1739	258	14	the	the	DET
cblr-1739	258	15	global	global	ADJ
cblr-1739	258	16	growth	growth	NOUN
cblr-1739	258	17	in	in	ADP
cblr-1739	258	18	consumer	consumer	NOUN
cblr-1739	258	19	bankruptcy	bankruptcy	NOUN
cblr-1739	258	20	filings	filing	NOUN
cblr-1739	258	21	see	see	VERB
cblr-1739	258	22	,	,	PUNCT
cblr-1739	258	23	e.g.	e.g.	ADV
cblr-1739	258	24	,	,	PUNCT
cblr-1739	258	25	ronald	ronald	PROPN
cblr-1739	258	26	j.	j.	PROPN
cblr-1739	258	27	mann	mann	PROPN
cblr-1739	258	28	,	,	PUNCT
cblr-1739	258	29	optimizing	optimize	VERB
cblr-1739	258	30	consumer	consumer	NOUN
cblr-1739	258	31	credit	credit	NOUN
cblr-1739	258	32	markets	market	NOUN
cblr-1739	258	33	and	and	CCONJ
cblr-1739	258	34	bankruptcy	bankruptcy	NOUN
cblr-1739	258	35	policy	policy	NOUN
cblr-1739	258	36	,	,	PUNCT
cblr-1739	258	37	7	7	NUM
cblr-1739	258	38	theoretical	theoretical	ADJ
cblr-1739	258	39	inquiries	inquiry	NOUN
cblr-1739	258	40	l.	l.	PROPN
cblr-1739	258	41	395	395	NUM
cblr-1739	258	42	,	,	PUNCT
cblr-1739	258	43	402–04	402–04	NUM
cblr-1739	258	44	(	(	PUNCT
cblr-1739	258	45	2006	2006	NUM
cblr-1739	258	46	)	)	PUNCT
cblr-1739	258	47	.	.	PUNCT
cblr-1739	259	1	others	other	NOUN
cblr-1739	259	2	who	who	PRON
cblr-1739	259	3	lobbied	lobby	VERB
cblr-1739	259	4	against	against	ADP
cblr-1739	259	5	poverty	poverty	NOUN
cblr-1739	259	6	,	,	PUNCT
cblr-1739	259	7	such	such	ADJ
cblr-1739	259	8	as	as	ADP
cblr-1739	259	9	nobel	nobel	PROPN
cblr-1739	259	10	laureate	laureate	PROPN
cblr-1739	259	11	muhammad	muhammad	PROPN
cblr-1739	259	12	yunus	yunus	PROPN
cblr-1739	259	13	,	,	PUNCT
cblr-1739	259	14	hold	hold	VERB
cblr-1739	259	15	the	the	DET
cblr-1739	259	16	belief	belief	NOUN
cblr-1739	259	17	that	that	SCONJ
cblr-1739	259	18	access	access	NOUN
cblr-1739	259	19	to	to	ADP
cblr-1739	259	20	credit	credit	NOUN
cblr-1739	259	21	should	should	AUX
cblr-1739	259	22	be	be	AUX
cblr-1739	259	23	broad	broad	ADJ
cblr-1739	259	24	and	and	CCONJ
cblr-1739	259	25	even	even	ADV
cblr-1739	259	26	viewed	view	VERB
cblr-1739	259	27	as	as	ADP
cblr-1739	259	28	a	a	DET
cblr-1739	259	29	human	human	ADJ
cblr-1739	259	30	right	right	NOUN
cblr-1739	259	31	.	.	PUNCT
cblr-1739	260	1	see	see	VERB
cblr-1739	260	2	muhammad	muhammad	PROPN
cblr-1739	260	3	yunus	yunus	PROPN
cblr-1739	260	4	,	,	PUNCT
cblr-1739	260	5	credit	credit	NOUN
cblr-1739	260	6	for	for	ADP
cblr-1739	260	7	self	self	NOUN
cblr-1739	260	8	-	-	PUNCT
cblr-1739	260	9	employment	employment	NOUN
cblr-1739	260	10	:	:	PUNCT
cblr-1739	260	11	a	a	DET
cblr-1739	260	12	fundamental	fundamental	ADJ
cblr-1739	260	13	human	human	ADJ
cblr-1739	260	14	right	right	NOUN
cblr-1739	260	15	(	(	PUNCT
cblr-1739	260	16	1987	1987	NUM
cblr-1739	260	17	)	)	PUNCT
cblr-1739	260	18	.	.	PUNCT
cblr-1739	261	1	67	67	NUM
cblr-1739	261	2	see	see	VERB
cblr-1739	261	3	baradaran	baradaran	NOUN
cblr-1739	261	4	,	,	PUNCT
cblr-1739	261	5	supra	supra	PROPN
cblr-1739	261	6	note	note	VERB
cblr-1739	261	7	64	64	NUM
cblr-1739	261	8	;	;	PUNCT
cblr-1739	261	9	see	see	VERB
cblr-1739	261	10	also	also	ADV
cblr-1739	261	11	bornstein	bornstein	VERB
cblr-1739	261	12	,	,	PUNCT
cblr-1739	261	13	supra	supra	PROPN
cblr-1739	261	14	note	note	PROPN
cblr-1739	261	15	62	62	NUM
cblr-1739	261	16	.	.	PUNCT
cblr-1739	262	1	68	68	NUM
cblr-1739	262	2	see	see	VERB
cblr-1739	262	3	debra	debra	PROPN
cblr-1739	262	4	w.	w.	PROPN
cblr-1739	262	5	still	still	ADV
cblr-1739	262	6	,	,	PUNCT
cblr-1739	262	7	new	new	ADJ
cblr-1739	262	8	credit	credit	NOUN
cblr-1739	262	9	score	score	NOUN
cblr-1739	262	10	models	model	NOUN
cblr-1739	262	11	hold	hold	VERB
cblr-1739	262	12	promise	promise	NOUN
cblr-1739	262	13	for	for	ADP
cblr-1739	262	14	credit	credit	NOUN
cblr-1739	262	15	access	access	NOUN
cblr-1739	262	16	,	,	PUNCT
cblr-1739	262	17	am	be	AUX
cblr-1739	262	18	.	.	PUNCT
cblr-1739	262	19	banker	banker	NOUN
cblr-1739	262	20	(	(	PUNCT
cblr-1739	262	21	june	june	PROPN
cblr-1739	262	22	2	2	NUM
cblr-1739	262	23	,	,	PUNCT
cblr-1739	262	24	2015	2015	NUM
cblr-1739	262	25	)	)	PUNCT
cblr-1739	262	26	,	,	PUNCT
cblr-1739	262	27	http://www.american	http://www.american	AUX
cblr-1739	262	28	banker.com/bankthink/new-credit-score-models-hold-promise-for-creditaccess-1074633-1.html	banker.com/bankthink/new-credit-score-models-hold-promise-for-creditaccess-1074633-1.html	X
cblr-1739	262	29	[	[	X
cblr-1739	262	30	http://perma.cc/7x93-52y8	http://perma.cc/7x93-52y8	X
cblr-1739	262	31	]	]	X
cblr-1739	262	32	.	.	PUNCT
cblr-1739	263	1	69	69	NUM
cblr-1739	263	2	see	see	VERB
cblr-1739	263	3	beatriz	beatriz	PROPN
cblr-1739	263	4	armendáriz	armendáriz	PROPN
cblr-1739	263	5	&	&	CCONJ
cblr-1739	263	6	jonathan	jonathan	PROPN
cblr-1739	263	7	morduch	morduch	PROPN
cblr-1739	263	8	,	,	PUNCT
cblr-1739	263	9	the	the	DET
cblr-1739	263	10	economics	economic	NOUN
cblr-1739	263	11	of	of	ADP
cblr-1739	263	12	microfinance	microfinance	NOUN
cblr-1739	263	13	1–24	1–24	PROPN
cblr-1739	263	14	(	(	PUNCT
cblr-1739	263	15	2005	2005	NUM
cblr-1739	263	16	)	)	PUNCT
cblr-1739	263	17	.	.	PUNCT
cblr-1739	264	1	geslevich	geslevich	PROPN
cblr-1739	264	2	packin	packin	PROPN
cblr-1739	264	3	&	&	CCONJ
cblr-1739	264	4	lev	lev	PROPN
cblr-1739	264	5	-	-	PUNCT
cblr-1739	264	6	aretz	aretz	PROPN
cblr-1739	264	7	–	–	PUNCT
cblr-1739	264	8	final	final	ADJ
cblr-1739	264	9	no	no	NOUN
cblr-1739	264	10	.	.	PUNCT
cblr-1739	265	1	2:339	2:339	NUM
cblr-1739	265	2	]	]	X
cblr-1739	265	3	on	on	ADP
cblr-1739	265	4	social	social	ADJ
cblr-1739	265	5	credit	credit	NOUN
cblr-1739	265	6	357	357	NUM
cblr-1739	265	7	industry	industry	NOUN
cblr-1739	265	8	was	be	AUX
cblr-1739	265	9	built	build	VERB
cblr-1739	265	10	on	on	ADP
cblr-1739	265	11	the	the	DET
cblr-1739	265	12	shared	shared	ADJ
cblr-1739	265	13	premise	premise	NOUN
cblr-1739	265	14	that	that	SCONJ
cblr-1739	265	15	establishing	establish	VERB
cblr-1739	265	16	revenue	revenue	NOUN
cblr-1739	265	17	-	-	PUNCT
cblr-1739	265	18	generating	generate	VERB
cblr-1739	265	19	loans	loan	NOUN
cblr-1739	265	20	methods	method	NOUN
cblr-1739	265	21	that	that	PRON
cblr-1739	265	22	met	meet	VERB
cblr-1739	265	23	the	the	DET
cblr-1739	265	24	needs	need	NOUN
cblr-1739	265	25	of	of	ADP
cblr-1739	265	26	the	the	DET
cblr-1739	265	27	financially	financially	ADV
cblr-1739	265	28	underserved	underserved	ADJ
cblr-1739	265	29	both	both	PRON
cblr-1739	265	30	gave	give	VERB
cblr-1739	265	31	recipients	recipient	NOUN
cblr-1739	265	32	dignity	dignity	NOUN
cblr-1739	265	33	by	by	ADP
cblr-1739	265	34	allowing	allow	VERB
cblr-1739	265	35	them	they	PRON
cblr-1739	265	36	to	to	PART
cblr-1739	265	37	be	be	AUX
cblr-1739	265	38	customers	customer	NOUN
cblr-1739	265	39	rather	rather	ADV
cblr-1739	265	40	than	than	ADP
cblr-1739	265	41	supplicants	supplicant	NOUN
cblr-1739	265	42	and	and	CCONJ
cblr-1739	265	43	yielded	yield	VERB
cblr-1739	265	44	more	more	ADJ
cblr-1739	265	45	capital	capital	NOUN
cblr-1739	265	46	than	than	ADP
cblr-1739	265	47	charity	charity	NOUN
cblr-1739	265	48	alone	alone	ADV
cblr-1739	265	49	could	could	AUX
cblr-1739	265	50	have	have	AUX
cblr-1739	265	51	ever	ever	ADV
cblr-1739	265	52	returned.70	returned.70	VERB
cblr-1739	265	53	the	the	DET
cblr-1739	265	54	appeal	appeal	NOUN
cblr-1739	265	55	of	of	ADP
cblr-1739	265	56	these	these	DET
cblr-1739	265	57	industries	industry	NOUN
cblr-1739	265	58	affected	affect	VERB
cblr-1739	265	59	creditscoring	creditscoring	NOUN
cblr-1739	265	60	practices	practice	NOUN
cblr-1739	265	61	.	.	PUNCT
cblr-1739	266	1	as	as	ADP
cblr-1739	266	2	a	a	DET
cblr-1739	266	3	result	result	NOUN
cblr-1739	266	4	,	,	PUNCT
cblr-1739	266	5	financial	financial	ADJ
cblr-1739	266	6	professionals	professional	NOUN
cblr-1739	266	7	sought	seek	VERB
cblr-1739	266	8	alternative	alternative	ADJ
cblr-1739	266	9	segmentation	segmentation	NOUN
cblr-1739	266	10	and	and	CCONJ
cblr-1739	266	11	scoring	score	VERB
cblr-1739	266	12	techniques	technique	NOUN
cblr-1739	266	13	to	to	PART
cblr-1739	266	14	admit	admit	VERB
cblr-1739	266	15	additional	additional	ADJ
cblr-1739	266	16	consumers	consumer	NOUN
cblr-1739	266	17	into	into	ADP
cblr-1739	266	18	the	the	DET
cblr-1739	266	19	financial	financial	ADJ
cblr-1739	266	20	mainstream	mainstream	NOUN
cblr-1739	266	21	and	and	CCONJ
cblr-1739	266	22	boost	boost	VERB
cblr-1739	266	23	revenue.71	revenue.71	NOUN
cblr-1739	266	24	today	today	NOUN
cblr-1739	266	25	,	,	PUNCT
cblr-1739	266	26	microfinance	microfinance	NOUN
cblr-1739	266	27	is	be	AUX
cblr-1739	266	28	a	a	DET
cblr-1739	266	29	thriving	thriving	ADJ
cblr-1739	266	30	global	global	ADJ
cblr-1739	266	31	business	business	NOUN
cblr-1739	266	32	estimated	estimate	VERB
cblr-1739	266	33	at	at	ADP
cblr-1739	266	34	$	$	SYM
cblr-1739	266	35	68	68	NUM
cblr-1739	266	36	billion	billion	NUM
cblr-1739	266	37	worldwide.72	worldwide.72	NOUN
cblr-1739	266	38	1	1	NUM
cblr-1739	266	39	.	.	PUNCT
cblr-1739	266	40	marketplace	marketplace	NOUN
cblr-1739	266	41	lending	lending	NOUN
cblr-1739	266	42	—	—	PUNCT
cblr-1739	266	43	big	big	ADJ
cblr-1739	266	44	data	datum	NOUN
cblr-1739	266	45	mining	mining	NOUN
cblr-1739	266	46	advanced	advanced	ADJ
cblr-1739	266	47	data	datum	NOUN
cblr-1739	266	48	collection	collection	NOUN
cblr-1739	266	49	and	and	CCONJ
cblr-1739	266	50	analytics	analytic	NOUN
cblr-1739	266	51	capabilities	capability	NOUN
cblr-1739	266	52	,	,	PUNCT
cblr-1739	266	53	known	know	VERB
cblr-1739	266	54	as	as	ADP
cblr-1739	266	55	“	"	PUNCT
cblr-1739	266	56	big	big	ADJ
cblr-1739	266	57	data,”73	data,”73	NOUN
cblr-1739	266	58	allow	allow	VERB
cblr-1739	266	59	traditional	traditional	ADJ
cblr-1739	266	60	credit	credit	NOUN
cblr-1739	266	61	score	score	NOUN
cblr-1739	266	62	suppliers	supplier	NOUN
cblr-1739	266	63	70	70	NUM
cblr-1739	266	64	see	see	VERB
cblr-1739	266	65	froth	froth	ADJ
cblr-1739	266	66	at	at	ADP
cblr-1739	266	67	the	the	DET
cblr-1739	266	68	bottom	bottom	NOUN
cblr-1739	266	69	of	of	ADP
cblr-1739	266	70	the	the	DET
cblr-1739	266	71	pyramid	pyramid	NOUN
cblr-1739	266	72	,	,	PUNCT
cblr-1739	266	73	economist	economist	NOUN
cblr-1739	266	74	(	(	PUNCT
cblr-1739	266	75	aug	aug	PROPN
cblr-1739	266	76	.	.	PROPN
cblr-1739	266	77	25	25	NUM
cblr-1739	266	78	,	,	PUNCT
cblr-1739	266	79	2009	2009	NUM
cblr-1739	266	80	)	)	PUNCT
cblr-1739	266	81	,	,	PUNCT
cblr-1739	266	82	http://www.economist.com/node/14298996	http://www.economist.com/node/14298996	NOUN
cblr-1739	266	83	[	[	X
cblr-1739	266	84	https://perma.cc/9tvn-66xx	https://perma.cc/9tvn-66xx	X
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cblr-1739	266	86	.	.	PUNCT
cblr-1739	267	1	71	71	NUM
cblr-1739	267	2	see	see	VERB
cblr-1739	267	3	annamaria	annamaria	PROPN
cblr-1739	267	4	andriotis	andriotis	PROPN
cblr-1739	267	5	,	,	PUNCT
cblr-1739	267	6	fico	fico	PROPN
cblr-1739	267	7	announces	announce	VERB
cblr-1739	267	8	new	new	ADJ
cblr-1739	267	9	credit	credit	NOUN
cblr-1739	267	10	score	score	NOUN
cblr-1739	267	11	based	base	VERB
cblr-1739	267	12	on	on	ADP
cblr-1739	267	13	alternative	alternative	ADJ
cblr-1739	267	14	data	datum	NOUN
cblr-1739	267	15	,	,	PUNCT
cblr-1739	268	1	wall	wall	PROPN
cblr-1739	268	2	st	st	PROPN
cblr-1739	268	3	.	.	PROPN
cblr-1739	268	4	j.	j.	PROPN
cblr-1739	268	5	(	(	PUNCT
cblr-1739	268	6	apr	apr	PROPN
cblr-1739	268	7	.	.	PROPN
cblr-1739	268	8	2	2	NUM
cblr-1739	268	9	,	,	PUNCT
cblr-1739	268	10	2015	2015	NUM
cblr-1739	268	11	)	)	PUNCT
cblr-1739	268	12	,	,	PUNCT
cblr-1739	268	13	http://www.wsj.com/	http://www.wsj.com/	NOUN
cblr-1739	268	14	articles	article	NOUN
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cblr-1739	268	16	fico	fico	NOUN
cblr-1739	268	17	-	-	PUNCT
cblr-1739	268	18	announces	announce	NOUN
cblr-1739	268	19	-	-	PUNCT
cblr-1739	268	20	new	new	ADJ
cblr-1739	268	21	-	-	PUNCT
cblr-1739	268	22	credit	credit	NOUN
cblr-1739	268	23	-	-	PUNCT
cblr-1739	268	24	score	score	NOUN
cblr-1739	268	25	-	-	PUNCT
cblr-1739	268	26	based	base	VERB
cblr-1739	268	27	-	-	PUNCT
cblr-1739	268	28	on	on	ADP
cblr-1739	268	29	-	-	PUNCT
cblr-1739	268	30	alternative	alternative	ADJ
cblr-1739	268	31	-	-	PUNCT
cblr-1739	268	32	data-142798	data-142798	NOUN
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cblr-1739	268	35	http://perma.cc/nax7-kxrd	http://perma.cc/nax7-kxrd	PROPN
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cblr-1739	268	37	.	.	PUNCT
cblr-1739	269	1	72	72	NUM
cblr-1739	269	2	see	see	VERB
cblr-1739	269	3	warwick	warwick	PROPN
cblr-1739	269	4	et	et	PROPN
cblr-1739	269	5	al	al	PROPN
cblr-1739	269	6	.	.	PROPN
cblr-1739	269	7	,	,	PUNCT
cblr-1739	269	8	supra	supra	PROPN
cblr-1739	269	9	note	note	NOUN
cblr-1739	269	10	8	8	NUM
cblr-1739	269	11	.	.	PUNCT
cblr-1739	270	1	the	the	DET
cblr-1739	270	2	industry	industry	NOUN
cblr-1739	270	3	’s	’s	PART
cblr-1739	270	4	failure	failure	NOUN
cblr-1739	270	5	to	to	PART
cblr-1739	270	6	increase	increase	VERB
cblr-1739	270	7	the	the	DET
cblr-1739	270	8	income	income	NOUN
cblr-1739	270	9	of	of	ADP
cblr-1739	270	10	the	the	DET
cblr-1739	270	11	poor	poor	ADJ
cblr-1739	270	12	and	and	CCONJ
cblr-1739	270	13	eliminate	eliminate	VERB
cblr-1739	270	14	poverty	poverty	NOUN
cblr-1739	270	15	is	be	AUX
cblr-1739	270	16	often	often	ADV
cblr-1739	270	17	cited	cite	VERB
cblr-1739	270	18	as	as	ADP
cblr-1739	270	19	a	a	DET
cblr-1739	270	20	principal	principal	ADJ
cblr-1739	270	21	counterweight	counterweight	NOUN
cblr-1739	270	22	to	to	ADP
cblr-1739	270	23	the	the	DET
cblr-1739	270	24	economic	economic	ADJ
cblr-1739	270	25	success	success	NOUN
cblr-1739	270	26	of	of	ADP
cblr-1739	270	27	microfinance	microfinance	NOUN
cblr-1739	270	28	.	.	PUNCT
cblr-1739	271	1	see	see	VERB
cblr-1739	271	2	,	,	PUNCT
cblr-1739	271	3	e.g.	e.g.	ADV
cblr-1739	271	4	,	,	PUNCT
cblr-1739	271	5	erica	erica	PROPN
cblr-1739	271	6	field	field	PROPN
cblr-1739	271	7	et	et	PROPN
cblr-1739	271	8	al	al	PROPN
cblr-1739	271	9	.	.	PROPN
cblr-1739	271	10	,	,	PUNCT
cblr-1739	271	11	does	do	VERB
cblr-1739	271	12	the	the	DET
cblr-1739	271	13	classic	classic	ADJ
cblr-1739	271	14	microfinance	microfinance	NOUN
cblr-1739	271	15	model	model	NOUN
cblr-1739	271	16	discourage	discourage	NOUN
cblr-1739	271	17	entrepreneurship	entrepreneurship	NOUN
cblr-1739	271	18	among	among	ADP
cblr-1739	271	19	the	the	DET
cblr-1739	271	20	poor	poor	ADJ
cblr-1739	271	21	?	?	PUNCT
cblr-1739	272	1	experimental	experimental	ADJ
cblr-1739	272	2	evidence	evidence	NOUN
cblr-1739	272	3	from	from	ADP
cblr-1739	272	4	india	india	PROPN
cblr-1739	272	5	,	,	PUNCT
cblr-1739	272	6	103	103	NUM
cblr-1739	272	7	am	am	NOUN
cblr-1739	272	8	.	.	PUNCT
cblr-1739	273	1	econ	econ	PROPN
cblr-1739	273	2	.	.	PUNCT
cblr-1739	274	1	rev	rev	PROPN
cblr-1739	274	2	.	.	PROPN
cblr-1739	274	3	2196	2196	NUM
cblr-1739	274	4	(	(	PUNCT
cblr-1739	274	5	2013	2013	NUM
cblr-1739	274	6	)	)	PUNCT
cblr-1739	274	7	.	.	PUNCT
cblr-1739	275	1	some	some	PRON
cblr-1739	275	2	even	even	ADV
cblr-1739	275	3	go	go	VERB
cblr-1739	275	4	as	as	ADV
cblr-1739	275	5	far	far	ADV
cblr-1739	275	6	as	as	ADP
cblr-1739	275	7	blaming	blame	VERB
cblr-1739	275	8	microfinance	microfinance	NOUN
cblr-1739	275	9	for	for	ADP
cblr-1739	275	10	making	make	VERB
cblr-1739	275	11	poverty	poverty	NOUN
cblr-1739	275	12	worse	worse	ADV
cblr-1739	275	13	.	.	PUNCT
cblr-1739	276	1	see	see	VERB
cblr-1739	276	2	,	,	PUNCT
cblr-1739	276	3	e.g.	e.g.	ADV
cblr-1739	276	4	,	,	PUNCT
cblr-1739	276	5	jason	jason	PROPN
cblr-1739	276	6	hickel	hickel	PROPN
cblr-1739	276	7	,	,	PUNCT
cblr-1739	276	8	the	the	DET
cblr-1739	276	9	microfinance	microfinance	NOUN
cblr-1739	276	10	delusion	delusion	NOUN
cblr-1739	276	11	:	:	PUNCT
cblr-1739	276	12	who	who	PRON
cblr-1739	276	13	really	really	ADV
cblr-1739	276	14	wins	win	VERB
cblr-1739	276	15	?	?	PUNCT
cblr-1739	276	16	,	,	PUNCT
cblr-1739	276	17	guardian	guardian	NOUN
cblr-1739	276	18	(	(	PUNCT
cblr-1739	276	19	june	june	PROPN
cblr-1739	276	20	10	10	NUM
cblr-1739	276	21	,	,	PUNCT
cblr-1739	276	22	2015	2015	NUM
cblr-1739	276	23	)	)	PUNCT
cblr-1739	276	24	,	,	PUNCT
cblr-1739	276	25	http://www	http://www	PROPN
cblr-1739	276	26	.	.	PROPN
cblr-1739	276	27	theguardian.com/global-development-professionals-network/2015/jun/10/	theguardian.com/global-development-professionals-network/2015/jun/10/	VERB
cblr-1739	276	28	the	the	DET
cblr-1739	276	29	-	-	PUNCT
cblr-1739	276	30	microfinance	microfinance	NOUN
cblr-1739	276	31	-	-	PUNCT
cblr-1739	276	32	delusion	delusion	NOUN
cblr-1739	276	33	-	-	PUNCT
cblr-1739	276	34	who	who	PRON
cblr-1739	276	35	-	-	PUNCT
cblr-1739	276	36	really	really	ADV
cblr-1739	276	37	-	-	PUNCT
cblr-1739	276	38	wins	win	NOUN
cblr-1739	276	39	[	[	X
cblr-1739	276	40	http://perma.cc/r37s-eemd	http://perma.cc/r37s-eemd	X
cblr-1739	276	41	]	]	PUNCT
cblr-1739	276	42	(	(	PUNCT
cblr-1739	276	43	“	"	PUNCT
cblr-1739	276	44	microfinance	microfinance	NOUN
cblr-1739	276	45	has	have	AUX
cblr-1739	276	46	become	become	VERB
cblr-1739	276	47	a	a	DET
cblr-1739	276	48	socially	socially	ADV
cblr-1739	276	49	acceptable	acceptable	ADJ
cblr-1739	276	50	mechanism	mechanism	NOUN
cblr-1739	276	51	for	for	ADP
cblr-1739	276	52	extracting	extract	VERB
cblr-1739	276	53	wealth	wealth	NOUN
cblr-1739	276	54	and	and	CCONJ
cblr-1739	276	55	resources	resource	NOUN
cblr-1739	276	56	from	from	ADP
cblr-1739	276	57	poor	poor	ADJ
cblr-1739	276	58	people	people	NOUN
cblr-1739	276	59	.	.	PUNCT
cblr-1739	276	60	”	"	PUNCT
cblr-1739	276	61	)	)	PUNCT
cblr-1739	276	62	.	.	PUNCT
cblr-1739	277	1	73	73	NUM
cblr-1739	277	2	there	there	PRON
cblr-1739	277	3	is	be	VERB
cblr-1739	277	4	no	no	DET
cblr-1739	277	5	unified	unified	ADJ
cblr-1739	277	6	definition	definition	NOUN
cblr-1739	277	7	of	of	ADP
cblr-1739	277	8	“	"	PUNCT
cblr-1739	277	9	big	big	ADJ
cblr-1739	277	10	data	datum	NOUN
cblr-1739	277	11	.	.	PUNCT
cblr-1739	277	12	”	"	PUNCT
cblr-1739	278	1	the	the	DET
cblr-1739	278	2	oxford	oxford	PROPN
cblr-1739	278	3	english	english	PROPN
cblr-1739	278	4	dictionary	dictionary	PROPN
cblr-1739	278	5	defines	define	VERB
cblr-1739	278	6	it	it	PRON
cblr-1739	278	7	as	as	ADP
cblr-1739	278	8	“	"	PUNCT
cblr-1739	278	9	[	[	X
cblr-1739	278	10	e]xtremely	e]xtremely	ADV
cblr-1739	278	11	large	large	ADJ
cblr-1739	278	12	data	datum	NOUN
cblr-1739	278	13	sets	set	NOUN
cblr-1739	278	14	that	that	PRON
cblr-1739	278	15	may	may	AUX
cblr-1739	278	16	be	be	AUX
cblr-1739	278	17	analyzed	analyze	VERB
cblr-1739	278	18	computationally	computationally	ADV
cblr-1739	278	19	to	to	PART
cblr-1739	278	20	reveal	reveal	VERB
cblr-1739	278	21	patterns	pattern	NOUN
cblr-1739	278	22	,	,	PUNCT
cblr-1739	278	23	trends	trend	NOUN
cblr-1739	278	24	,	,	PUNCT
cblr-1739	278	25	and	and	CCONJ
cblr-1739	278	26	associations	association	NOUN
cblr-1739	278	27	,	,	PUNCT
cblr-1739	278	28	especially	especially	ADV
cblr-1739	278	29	relating	relate	VERB
cblr-1739	278	30	to	to	ADP
cblr-1739	278	31	human	human	ADJ
cblr-1739	278	32	behavior	behavior	NOUN
cblr-1739	278	33	and	and	CCONJ
cblr-1739	278	34	interactions	interaction	NOUN
cblr-1739	278	35	.	.	PUNCT
cblr-1739	278	36	”	"	PUNCT
cblr-1739	279	1	big	big	ADJ
cblr-1739	279	2	data	datum	NOUN
cblr-1739	279	3	,	,	PUNCT
cblr-1739	279	4	oxford	oxford	PROPN
cblr-1739	279	5	eng	eng	PROPN
cblr-1739	279	6	.	.	PROPN
cblr-1739	279	7	dictionary	dictionary	PROPN
cblr-1739	279	8	,	,	PUNCT
cblr-1739	279	9	http://www.oxforddictionaries.com/us/definition/american	http://www.oxforddictionaries.com/us/definition/american	X
cblr-1739	279	10	_	_	PRON
cblr-1739	279	11	english	english	ADJ
cblr-1739	279	12	/	/	SYM
cblr-1739	279	13	big	big	ADJ
cblr-1739	279	14	-	-	PUNCT
cblr-1739	279	15	data	data	NOUN
cblr-1739	279	16	[	[	X
cblr-1739	279	17	http://perma.cc/cpx3-avnz	http://perma.cc/cpx3-avnz	PROPN
cblr-1739	279	18	]	]	PUNCT
cblr-1739	279	19	.	.	PUNCT
cblr-1739	280	1	for	for	ADP
cblr-1739	280	2	more	more	ADJ
cblr-1739	280	3	on	on	ADP
cblr-1739	280	4	the	the	DET
cblr-1739	280	5	definition	definition	NOUN
cblr-1739	280	6	of	of	ADP
cblr-1739	280	7	big	big	ADJ
cblr-1739	280	8	data	datum	NOUN
cblr-1739	280	9	and	and	CCONJ
cblr-1739	280	10	the	the	DET
cblr-1739	280	11	controversy	controversy	NOUN
cblr-1739	280	12	surrounding	surround	VERB
cblr-1739	280	13	it	it	PRON
cblr-1739	280	14	,	,	PUNCT
cblr-1739	280	15	see	see	VERB
cblr-1739	280	16	jenna	jenna	PROPN
cblr-1739	280	17	dutcher	dutcher	PROPN
cblr-1739	280	18	,	,	PUNCT
cblr-1739	280	19	what	what	PRON
cblr-1739	280	20	is	be	AUX
cblr-1739	280	21	big	big	ADJ
cblr-1739	280	22	data	datum	NOUN
cblr-1739	280	23	?	?	PUNCT
cblr-1739	280	24	,	,	PUNCT
cblr-1739	280	25	datascience@berkeley	datascience@berkeley	PROPN
cblr-1739	280	26	(	(	PUNCT
cblr-1739	280	27	sept	sept	PROPN
cblr-1739	280	28	.	.	PROPN
cblr-1739	280	29	3	3	NUM
cblr-1739	280	30	,	,	PUNCT
cblr-1739	280	31	2015	2015	NUM
cblr-1739	280	32	)	)	PUNCT
cblr-1739	280	33	,	,	PUNCT
cblr-1739	280	34	http://datascience	http://datascience	NOUN
cblr-1739	280	35	.	.	PUNCT
cblr-1739	280	36	geslevich	geslevich	PROPN
cblr-1739	280	37	packin	packin	PROPN
cblr-1739	280	38	&	&	CCONJ
cblr-1739	280	39	lev	lev	PROPN
cblr-1739	280	40	-	-	PUNCT
cblr-1739	280	41	aretz	aretz	PROPN
cblr-1739	280	42	–	–	PUNCT
cblr-1739	280	43	final	final	ADJ
cblr-1739	280	44	358	358	NUM
cblr-1739	280	45	columbia	columbia	PROPN
cblr-1739	280	46	business	business	NOUN
cblr-1739	280	47	law	law	PROPN
cblr-1739	280	48	review	review	NOUN
cblr-1739	281	1	[	[	X
cblr-1739	281	2	vol	vol	NOUN
cblr-1739	281	3	.	.	NOUN
cblr-1739	281	4	2016	2016	NUM
cblr-1739	281	5	to	to	PART
cblr-1739	281	6	increase	increase	VERB
cblr-1739	281	7	the	the	DET
cblr-1739	281	8	accuracy	accuracy	NOUN
cblr-1739	281	9	of	of	ADP
cblr-1739	281	10	their	their	PRON
cblr-1739	281	11	scoring	scoring	NOUN
cblr-1739	281	12	methods	method	NOUN
cblr-1739	281	13	,	,	PUNCT
cblr-1739	281	14	and	and	CCONJ
cblr-1739	281	15	embrace	embrace	VERB
cblr-1739	281	16	non	non	ADJ
cblr-1739	281	17	-	-	ADJ
cblr-1739	281	18	traditional	traditional	ADJ
cblr-1739	281	19	credit	credit	NOUN
cblr-1739	281	20	criteria	criterion	NOUN
cblr-1739	281	21	to	to	PART
cblr-1739	281	22	augment	augment	VERB
cblr-1739	281	23	financial	financial	ADJ
cblr-1739	281	24	inclusion	inclusion	NOUN
cblr-1739	281	25	.	.	PUNCT
cblr-1739	282	1	fico	fico	PROPN
cblr-1739	282	2	,	,	PUNCT
cblr-1739	282	3	for	for	ADP
cblr-1739	282	4	example	example	NOUN
cblr-1739	282	5	,	,	PUNCT
cblr-1739	282	6	recently	recently	ADV
cblr-1739	282	7	announced	announce	VERB
cblr-1739	282	8	that	that	SCONJ
cblr-1739	282	9	in	in	ADP
cblr-1739	282	10	addition	addition	NOUN
cblr-1739	282	11	to	to	ADP
cblr-1739	282	12	its	its	PRON
cblr-1739	282	13	legacy	legacy	NOUN
cblr-1739	282	14	scoring	scoring	NOUN
cblr-1739	282	15	methodologies	methodology	NOUN
cblr-1739	282	16	it	it	PRON
cblr-1739	282	17	will	will	AUX
cblr-1739	282	18	now	now	ADV
cblr-1739	282	19	incorporate	incorporate	VERB
cblr-1739	282	20	alternative	alternative	ADJ
cblr-1739	282	21	data	datum	NOUN
cblr-1739	282	22	in	in	ADP
cblr-1739	282	23	its	its	PRON
cblr-1739	282	24	credit	credit	NOUN
cblr-1739	282	25	calculations.74	calculations.74	VERB
cblr-1739	282	26	such	such	ADJ
cblr-1739	282	27	data	datum	NOUN
cblr-1739	282	28	includes	include	VERB
cblr-1739	282	29	property	property	NOUN
cblr-1739	282	30	and	and	CCONJ
cblr-1739	282	31	public	public	ADJ
cblr-1739	282	32	records	record	NOUN
cblr-1739	282	33	,	,	PUNCT
cblr-1739	282	34	as	as	ADV
cblr-1739	282	35	well	well	ADV
cblr-1739	282	36	as	as	ADP
cblr-1739	282	37	telecommunications	telecommunication	NOUN
cblr-1739	282	38	and	and	CCONJ
cblr-1739	282	39	utility	utility	NOUN
cblr-1739	282	40	bills.75	bills.75	PROPN
cblr-1739	282	41	furthermore	furthermore	ADV
cblr-1739	282	42	,	,	PUNCT
cblr-1739	282	43	lenders	lender	NOUN
cblr-1739	282	44	have	have	AUX
cblr-1739	282	45	been	be	AUX
cblr-1739	282	46	reportedly	reportedly	ADV
cblr-1739	282	47	expanding	expand	VERB
cblr-1739	282	48	their	their	PRON
cblr-1739	282	49	evaluation	evaluation	NOUN
cblr-1739	282	50	methods	method	NOUN
cblr-1739	282	51	beyond	beyond	ADP
cblr-1739	282	52	credit	credit	NOUN
cblr-1739	282	53	scoring	scoring	NOUN
cblr-1739	282	54	to	to	ADP
cblr-1739	282	55	“	"	PUNCT
cblr-1739	282	56	credit	credit	NOUN
cblr-1739	282	57	analytics	analytic	NOUN
cblr-1739	282	58	,	,	PUNCT
cblr-1739	282	59	”	"	PUNCT
cblr-1739	282	60	by	by	ADP
cblr-1739	282	61	tracking	track	VERB
cblr-1739	282	62	all	all	DET
cblr-1739	282	63	recorded	record	VERB
cblr-1739	282	64	transactions	transaction	NOUN
cblr-1739	282	65	and	and	CCONJ
cblr-1739	282	66	scrutinizing	scrutinize	VERB
cblr-1739	282	67	terms	term	NOUN
cblr-1739	282	68	of	of	ADP
cblr-1739	282	69	a	a	DET
cblr-1739	282	70	given	give	VERB
cblr-1739	282	71	credit	credit	NOUN
cblr-1739	282	72	accordingly.76	accordingly.76	PROPN
cblr-1739	282	73	one	one	NUM
cblr-1739	282	74	credit	credit	NOUN
cblr-1739	282	75	card	card	NOUN
cblr-1739	282	76	issuer	issuer	NOUN
cblr-1739	282	77	found	find	VERB
cblr-1739	282	78	a	a	DET
cblr-1739	282	79	peculiar	peculiar	ADJ
cblr-1739	282	80	yet	yet	ADV
cblr-1739	282	81	compelling	compelling	ADJ
cblr-1739	282	82	correlation	correlation	NOUN
cblr-1739	282	83	between	between	ADP
cblr-1739	282	84	purchases	purchase	NOUN
cblr-1739	282	85	of	of	ADP
cblr-1739	282	86	felt	feel	VERB
cblr-1739	282	87	pads	pad	NOUN
cblr-1739	282	88	for	for	ADP
cblr-1739	282	89	furniture	furniture	NOUN
cblr-1739	282	90	and	and	CCONJ
cblr-1739	282	91	excellent	excellent	ADJ
cblr-1739	282	92	credit	credit	NOUN
cblr-1739	282	93	risk.77	risk.77	NOUN
cblr-1739	282	94	most	most	ADJ
cblr-1739	282	95	credit	credit	NOUN
cblr-1739	282	96	card	card	NOUN
cblr-1739	282	97	companies	company	NOUN
cblr-1739	282	98	have	have	AUX
cblr-1739	282	99	also	also	ADV
cblr-1739	282	100	set	set	VERB
cblr-1739	282	101	up	up	ADP
cblr-1739	282	102	systems	system	NOUN
cblr-1739	282	103	to	to	PART
cblr-1739	282	104	detect	detect	VERB
cblr-1739	282	105	unsettling	unsettling	ADJ
cblr-1739	282	106	patterns	pattern	NOUN
cblr-1739	282	107	that	that	PRON
cblr-1739	282	108	are	be	AUX
cblr-1739	282	109	indicative	indicative	ADJ
cblr-1739	282	110	of	of	ADP
cblr-1739	282	111	higher	high	ADJ
cblr-1739	282	112	risk	risk	NOUN
cblr-1739	282	113	.	.	PUNCT
cblr-1739	283	1	for	for	ADP
cblr-1739	283	2	example	example	NOUN
cblr-1739	283	3	,	,	PUNCT
cblr-1739	283	4	charges	charge	NOUN
cblr-1739	283	5	for	for	ADP
cblr-1739	283	6	marriage	marriage	NOUN
cblr-1739	283	7	counseling	counseling	NOUN
cblr-1739	283	8	may	may	AUX
cblr-1739	283	9	lead	lead	VERB
cblr-1739	283	10	to	to	ADP
cblr-1739	283	11	a	a	DET
cblr-1739	283	12	lower	low	ADJ
cblr-1739	283	13	credit	credit	NOUN
cblr-1739	283	14	line	line	NOUN
cblr-1739	283	15	,	,	PUNCT
cblr-1739	283	16	higher	high	ADJ
cblr-1739	283	17	interest	interest	NOUN
cblr-1739	283	18	rates	rate	NOUN
cblr-1739	283	19	,	,	PUNCT
cblr-1739	283	20	or	or	CCONJ
cblr-1739	283	21	a	a	DET
cblr-1739	283	22	tighter	tight	ADJ
cblr-1739	283	23	repayment	repayment	NOUN
cblr-1739	283	24	schedule	schedule	NOUN
cblr-1739	283	25	because	because	SCONJ
cblr-1739	283	26	other	other	ADJ
cblr-1739	283	27	evidence	evidence	NOUN
cblr-1739	283	28	points	point	VERB
cblr-1739	283	29	to	to	ADP
cblr-1739	283	30	a	a	DET
cblr-1739	283	31	strong	strong	ADJ
cblr-1739	283	32	connection	connection	NOUN
cblr-1739	283	33	between	between	ADP
cblr-1739	283	34	marriage	marriage	NOUN
cblr-1739	283	35	problems	problem	NOUN
cblr-1739	283	36	and	and	CCONJ
cblr-1739	283	37	high	high	ADJ
cblr-1739	283	38	credit	credit	NOUN
cblr-1739	283	39	risk.78	risk.78	NOUN
cblr-1739	283	40	the	the	DET
cblr-1739	283	41	great	great	ADJ
cblr-1739	283	42	promise	promise	NOUN
cblr-1739	283	43	of	of	ADP
cblr-1739	283	44	big	big	ADJ
cblr-1739	283	45	data	datum	NOUN
cblr-1739	283	46	as	as	ADP
cblr-1739	283	47	a	a	DET
cblr-1739	283	48	way	way	NOUN
cblr-1739	283	49	to	to	PART
cblr-1739	283	50	screen	screen	NOUN
cblr-1739	283	51	loan	loan	NOUN
cblr-1739	283	52	candidates	candidate	NOUN
cblr-1739	283	53	has	have	AUX
cblr-1739	283	54	attracted	attract	VERB
cblr-1739	283	55	additional	additional	ADJ
cblr-1739	283	56	players	player	NOUN
cblr-1739	283	57	into	into	ADP
cblr-1739	283	58	the	the	DET
cblr-1739	283	59	lending	lending	NOUN
cblr-1739	283	60	industry	industry	NOUN
cblr-1739	283	61	.	.	PUNCT
cblr-1739	284	1	finance	finance	NOUN
cblr-1739	284	2	start	start	NOUN
cblr-1739	284	3	-	-	PUNCT
cblr-1739	284	4	ups	up	NOUN
cblr-1739	284	5	have	have	AUX
cblr-1739	284	6	attempted	attempt	VERB
cblr-1739	284	7	to	to	PART
cblr-1739	284	8	capitalize	capitalize	VERB
cblr-1739	284	9	on	on	ADP
cblr-1739	284	10	the	the	DET
cblr-1739	284	11	ability	ability	NOUN
cblr-1739	284	12	to	to	ADP
cblr-1739	284	13	harness	harness	ADJ
cblr-1739	284	14	information	information	NOUN
cblr-1739	284	15	in	in	ADP
cblr-1739	284	16	novel	novel	ADJ
cblr-1739	284	17	ways	way	NOUN
cblr-1739	284	18	to	to	PART
cblr-1739	284	19	create	create	VERB
cblr-1739	284	20	berkeley.edu/what-is-big-data/	berkeley.edu/what-is-big-data/	PROPN
cblr-1739	284	21	[	[	PUNCT
cblr-1739	284	22	http://perma.cc/cff8-ygad	http://perma.cc/cff8-ygad	PROPN
cblr-1739	284	23	]	]	PUNCT
cblr-1739	284	24	;	;	PUNCT
cblr-1739	284	25	gil	gil	PROPN
cblr-1739	284	26	press	press	PROPN
cblr-1739	284	27	,	,	PUNCT
cblr-1739	284	28	12	12	NUM
cblr-1739	284	29	big	big	ADJ
cblr-1739	284	30	data	datum	NOUN
cblr-1739	284	31	definitions	definition	NOUN
cblr-1739	284	32	:	:	PUNCT
cblr-1739	284	33	what	what	PRON
cblr-1739	284	34	’s	’	VERB
cblr-1739	284	35	yours	yours	PRON
cblr-1739	284	36	?	?	PROPN
cblr-1739	284	37	,	,	PUNCT
cblr-1739	284	38	forbes	forbes	PROPN
cblr-1739	284	39	(	(	PUNCT
cblr-1739	284	40	sept	sept	PROPN
cblr-1739	284	41	.	.	PROPN
cblr-1739	284	42	3	3	NUM
cblr-1739	284	43	,	,	PUNCT
cblr-1739	284	44	2014	2014	NUM
cblr-1739	284	45	)	)	PUNCT
cblr-1739	284	46	,	,	PUNCT
cblr-1739	284	47	http://www.forbes.com/sites/gilpress/2014/09/03/12-big-data-definitionswhats-yours/2/	http://www.forbes.com/sites/gilpress/2014/09/03/12-big-data-definitionswhats-yours/2/	PUNCT
cblr-1739	285	1	[	[	X
cblr-1739	285	2	http://perma.cc/mwh2-8ymy	http://perma.cc/mwh2-8ymy	NOUN
cblr-1739	285	3	]	]	PUNCT
cblr-1739	285	4	.	.	PUNCT
cblr-1739	286	1	74	74	NUM
cblr-1739	286	2	see	see	VERB
cblr-1739	286	3	andriotis	andriotis	NOUN
cblr-1739	286	4	,	,	PUNCT
cblr-1739	286	5	supra	supra	PROPN
cblr-1739	286	6	note	note	NOUN
cblr-1739	286	7	71	71	NUM
cblr-1739	286	8	.	.	PUNCT
cblr-1739	287	1	75	75	NUM
cblr-1739	287	2	see	see	VERB
cblr-1739	287	3	i	i	PROPN
cblr-1739	287	4	d.	d.	PROPN
cblr-1739	287	5	(	(	PUNCT
cblr-1739	287	6	noting	note	VERB
cblr-1739	287	7	that	that	SCONJ
cblr-1739	287	8	as	as	ADP
cblr-1739	287	9	a	a	DET
cblr-1739	287	10	result	result	NOUN
cblr-1739	287	11	of	of	ADP
cblr-1739	287	12	these	these	DET
cblr-1739	287	13	alternative	alternative	ADJ
cblr-1739	287	14	scoring	scoring	NOUN
cblr-1739	287	15	mechanisms	mechanism	NOUN
cblr-1739	287	16	,	,	PUNCT
cblr-1739	287	17	“	"	PUNCT
cblr-1739	287	18	of	of	ADP
cblr-1739	287	19	the	the	DET
cblr-1739	287	20	approximately	approximately	ADV
cblr-1739	287	21	53	53	NUM
cblr-1739	287	22	million	million	NUM
cblr-1739	287	23	americans	americans	PROPN
cblr-1739	287	24	who	who	PRON
cblr-1739	287	25	do	do	AUX
cblr-1739	287	26	n't	not	PART
cblr-1739	287	27	have	have	VERB
cblr-1739	287	28	enough	enough	ADJ
cblr-1739	287	29	credit	credit	NOUN
cblr-1739	287	30	data	datum	NOUN
cblr-1739	287	31	to	to	PART
cblr-1739	287	32	generate	generate	VERB
cblr-1739	287	33	traditional	traditional	ADJ
cblr-1739	287	34	fico	fico	NOUN
cblr-1739	287	35	scores	score	NOUN
cblr-1739	287	36	,	,	PUNCT
cblr-1739	287	37	about	about	ADV
cblr-1739	287	38	15	15	NUM
cblr-1739	287	39	million	million	NUM
cblr-1739	287	40	can	can	AUX
cblr-1739	287	41	be	be	AUX
cblr-1739	287	42	scored	score	VERB
cblr-1739	287	43	”	"	PUNCT
cblr-1739	287	44	)	)	PUNCT
cblr-1739	287	45	.	.	PUNCT
cblr-1739	288	1	76	76	NUM
cblr-1739	288	2	see	see	VERB
cblr-1739	288	3	frank	frank	ADJ
cblr-1739	288	4	pasquale	pasquale	PROPN
cblr-1739	288	5	,	,	PUNCT
cblr-1739	288	6	redescribing	redescribe	VERB
cblr-1739	288	7	health	health	NOUN
cblr-1739	288	8	privacy	privacy	NOUN
cblr-1739	288	9	:	:	PUNCT
cblr-1739	288	10	the	the	DET
cblr-1739	288	11	importance	importance	NOUN
cblr-1739	288	12	of	of	ADP
cblr-1739	288	13	information	information	NOUN
cblr-1739	288	14	policy	policy	NOUN
cblr-1739	288	15	,	,	PUNCT
cblr-1739	288	16	14	14	NUM
cblr-1739	288	17	hous	hous	ADJ
cblr-1739	288	18	.	.	PUNCT
cblr-1739	289	1	j.	j.	PROPN
cblr-1739	289	2	health	health	PROPN
cblr-1739	289	3	l.	l.	PROPN
cblr-1739	289	4	&	&	CCONJ
cblr-1739	289	5	pol’y	pol’y	NOUN
cblr-1739	289	6	95	95	NUM
cblr-1739	289	7	,	,	PUNCT
cblr-1739	289	8	109	109	NUM
cblr-1739	289	9	(	(	PUNCT
cblr-1739	289	10	2014	2014	NUM
cblr-1739	289	11	)	)	PUNCT
cblr-1739	289	12	.	.	PUNCT
cblr-1739	290	1	77	77	NUM
cblr-1739	290	2	see	see	VERB
cblr-1739	290	3	lior	lior	PROPN
cblr-1739	290	4	jacob	jacob	PROPN
cblr-1739	290	5	strahilevitz	strahilevitz	PROPN
cblr-1739	290	6	,	,	PUNCT
cblr-1739	290	7	toward	toward	ADP
cblr-1739	290	8	a	a	DET
cblr-1739	290	9	positive	positive	ADJ
cblr-1739	290	10	theory	theory	NOUN
cblr-1739	290	11	of	of	ADP
cblr-1739	290	12	privacy	privacy	NOUN
cblr-1739	290	13	law	law	NOUN
cblr-1739	290	14	,	,	PUNCT
cblr-1739	290	15	126	126	NUM
cblr-1739	290	16	harv	harv	NOUN
cblr-1739	290	17	.	.	PUNCT
cblr-1739	291	1	l.	l.	PROPN
cblr-1739	291	2	rev	rev	PROPN
cblr-1739	291	3	.	.	PROPN
cblr-1739	291	4	2010	2010	NUM
cblr-1739	291	5	,	,	PUNCT
cblr-1739	291	6	2021	2021	NUM
cblr-1739	291	7	(	(	PUNCT
cblr-1739	291	8	2013	2013	NUM
cblr-1739	291	9	)	)	PUNCT
cblr-1739	291	10	.	.	PUNCT
cblr-1739	292	1	78	78	NUM
cblr-1739	292	2	see	see	VERB
cblr-1739	292	3	charles	charles	PROPN
cblr-1739	292	4	duhigg	duhigg	PROPN
cblr-1739	292	5	,	,	PUNCT
cblr-1739	292	6	what	what	PRON
cblr-1739	292	7	does	do	AUX
cblr-1739	292	8	your	your	PRON
cblr-1739	292	9	credit	credit	NOUN
cblr-1739	292	10	-	-	PUNCT
cblr-1739	292	11	card	card	NOUN
cblr-1739	292	12	company	company	NOUN
cblr-1739	292	13	know	know	VERB
cblr-1739	292	14	about	about	ADP
cblr-1739	292	15	you	you	PRON
cblr-1739	292	16	?	?	PUNCT
cblr-1739	292	17	,	,	PUNCT
cblr-1739	292	18	n.y	n.y	PROPN
cblr-1739	292	19	.	.	PROPN
cblr-1739	292	20	times	times	PROPN
cblr-1739	292	21	(	(	PUNCT
cblr-1739	292	22	may	may	PROPN
cblr-1739	292	23	12	12	NUM
cblr-1739	292	24	,	,	PUNCT
cblr-1739	292	25	2009	2009	NUM
cblr-1739	292	26	)	)	PUNCT
cblr-1739	292	27	,	,	PUNCT
cblr-1739	292	28	http://www.nytimes.com/2009/	http://www.nytimes.com/2009/	PROPN
cblr-1739	292	29	05/17	05/17	NUM
cblr-1739	292	30	/	/	SYM
cblr-1739	292	31	magazine/17credit	magazine/17credit	NOUN
cblr-1739	292	32	-	-	PUNCT
cblr-1739	292	33	t.html?pagewanted	t.html?pagewante	VERB
cblr-1739	292	34	=	=	NOUN
cblr-1739	292	35	all	all	PRON
cblr-1739	292	36	[	[	X
cblr-1739	292	37	http://perma.cc/gk3amvmj	http://perma.cc/gk3amvmj	NOUN
cblr-1739	292	38	]	]	PUNCT
cblr-1739	292	39	.	.	PUNCT
cblr-1739	293	1	geslevich	geslevich	PROPN
cblr-1739	293	2	packin	packin	PROPN
cblr-1739	293	3	&	&	CCONJ
cblr-1739	293	4	lev	lev	PROPN
cblr-1739	293	5	-	-	PUNCT
cblr-1739	293	6	aretz	aretz	PROPN
cblr-1739	293	7	–	–	PUNCT
cblr-1739	293	8	final	final	ADJ
cblr-1739	293	9	no	no	NOUN
cblr-1739	293	10	.	.	PUNCT
cblr-1739	294	1	2:339	2:339	NUM
cblr-1739	294	2	]	]	X
cblr-1739	294	3	on	on	ADP
cblr-1739	294	4	social	social	ADJ
cblr-1739	294	5	credit	credit	NOUN
cblr-1739	294	6	359	359	NUM
cblr-1739	294	7	alternative	alternative	ADJ
cblr-1739	294	8	,	,	PUNCT
cblr-1739	294	9	more	more	ADV
cblr-1739	294	10	accurate	accurate	ADJ
cblr-1739	294	11	ranking	ranking	ADJ
cblr-1739	294	12	systems	system	NOUN
cblr-1739	294	13	.	.	PUNCT
cblr-1739	295	1	the	the	DET
cblr-1739	295	2	ubiquitous	ubiquitous	ADJ
cblr-1739	295	3	use	use	NOUN
cblr-1739	295	4	of	of	ADP
cblr-1739	295	5	smartphones	smartphone	NOUN
cblr-1739	295	6	has	have	AUX
cblr-1739	295	7	accelerated	accelerate	VERB
cblr-1739	295	8	the	the	DET
cblr-1739	295	9	amount	amount	NOUN
cblr-1739	295	10	of	of	ADP
cblr-1739	295	11	data	datum	NOUN
cblr-1739	295	12	created	create	VERB
cblr-1739	295	13	and	and	CCONJ
cblr-1739	295	14	aggregated	aggregate	VERB
cblr-1739	295	15	for	for	ADP
cblr-1739	295	16	lending	lending	NOUN
cblr-1739	295	17	purposes	purpose	NOUN
cblr-1739	295	18	.	.	PUNCT
cblr-1739	296	1	a	a	DET
cblr-1739	296	2	recent	recent	ADJ
cblr-1739	296	3	study	study	NOUN
cblr-1739	296	4	found	find	VERB
cblr-1739	296	5	that	that	SCONJ
cblr-1739	296	6	eighty	eighty	NUM
cblr-1739	296	7	percent	percent	NOUN
cblr-1739	296	8	of	of	ADP
cblr-1739	296	9	online	online	ADJ
cblr-1739	296	10	adults	adult	NOUN
cblr-1739	296	11	own	own	VERB
cblr-1739	296	12	a	a	DET
cblr-1739	296	13	smartphone79	smartphone79	ADJ
cblr-1739	296	14	and	and	CCONJ
cblr-1739	296	15	sixty	sixty	NUM
cblr-1739	296	16	-	-	PUNCT
cblr-1739	296	17	four	four	NUM
cblr-1739	296	18	percent	percent	NOUN
cblr-1739	296	19	of	of	ADP
cblr-1739	296	20	americans	americans	PROPN
cblr-1739	296	21	are	be	AUX
cblr-1739	296	22	smartphone	smartphone	ADJ
cblr-1739	296	23	users.80	users.80	NOUN
cblr-1739	296	24	specifically	specifically	ADV
cblr-1739	296	25	,	,	PUNCT
cblr-1739	296	26	the	the	DET
cblr-1739	296	27	percentage	percentage	NOUN
cblr-1739	296	28	of	of	ADP
cblr-1739	296	29	smartphone	smartphone	NOUN
cblr-1739	296	30	and	and	CCONJ
cblr-1739	296	31	mobile	mobile	ADJ
cblr-1739	296	32	phone	phone	NOUN
cblr-1739	296	33	users	user	NOUN
cblr-1739	296	34	among	among	ADP
cblr-1739	296	35	the	the	DET
cblr-1739	296	36	creditunderserved	creditunderserved	NOUN
cblr-1739	296	37	is	be	AUX
cblr-1739	296	38	notably	notably	ADV
cblr-1739	296	39	high	high	ADJ
cblr-1739	296	40	:	:	PUNCT
cblr-1739	296	41	sixty	sixty	NUM
cblr-1739	296	42	-	-	PUNCT
cblr-1739	296	43	nine	nine	NUM
cblr-1739	296	44	percent	percent	NOUN
cblr-1739	296	45	of	of	ADP
cblr-1739	296	46	the	the	DET
cblr-1739	296	47	unbanked	unbanked	NOUN
cblr-1739	296	48	have	have	AUX
cblr-1739	296	49	been	be	AUX
cblr-1739	296	50	using	use	VERB
cblr-1739	296	51	a	a	DET
cblr-1739	296	52	mobile	mobile	ADJ
cblr-1739	296	53	phone	phone	NOUN
cblr-1739	296	54	,	,	PUNCT
cblr-1739	296	55	forty	forty	NUM
cblr-1739	296	56	-	-	PUNCT
cblr-1739	296	57	nine	nine	NUM
cblr-1739	296	58	percent	percent	NOUN
cblr-1739	296	59	of	of	ADP
cblr-1739	296	60	which	which	PRON
cblr-1739	296	61	are	be	AUX
cblr-1739	296	62	smartphones	smartphone	NOUN
cblr-1739	296	63	,	,	PUNCT
cblr-1739	296	64	and	and	CCONJ
cblr-1739	296	65	eighty	eighty	NUM
cblr-1739	296	66	-	-	PUNCT
cblr-1739	296	67	eight	eight	NUM
cblr-1739	296	68	percent	percent	NOUN
cblr-1739	296	69	of	of	ADP
cblr-1739	296	70	the	the	DET
cblr-1739	296	71	underbanked	underbanked	ADJ
cblr-1739	296	72	have	have	VERB
cblr-1739	296	73	access	access	NOUN
cblr-1739	296	74	to	to	ADP
cblr-1739	296	75	mobile	mobile	ADJ
cblr-1739	296	76	phones	phone	NOUN
cblr-1739	296	77	,	,	PUNCT
cblr-1739	296	78	sixty	sixty	NUM
cblr-1739	296	79	-	-	PUNCT
cblr-1739	296	80	four	four	NUM
cblr-1739	296	81	percent	percent	NOUN
cblr-1739	296	82	of	of	ADP
cblr-1739	296	83	which	which	PRON
cblr-1739	296	84	are	be	AUX
cblr-1739	296	85	smartphones.81	smartphones.81	ADJ
cblr-1739	296	86	despite	despite	SCONJ
cblr-1739	296	87	their	their	PRON
cblr-1739	296	88	unsophisticated	unsophisticated	ADJ
cblr-1739	296	89	nature	nature	NOUN
cblr-1739	296	90	by	by	ADP
cblr-1739	296	91	today	today	NOUN
cblr-1739	296	92	’s	’s	PART
cblr-1739	296	93	technological	technological	ADJ
cblr-1739	296	94	standards	standard	NOUN
cblr-1739	296	95	,	,	PUNCT
cblr-1739	296	96	even	even	ADV
cblr-1739	296	97	non	non	ADJ
cblr-1739	296	98	-	-	ADJ
cblr-1739	296	99	smartphone	smartphone	ADJ
cblr-1739	296	100	mobile	mobile	ADJ
cblr-1739	296	101	phones	phone	NOUN
cblr-1739	296	102	generate	generate	VERB
cblr-1739	296	103	data	datum	NOUN
cblr-1739	296	104	with	with	ADP
cblr-1739	296	105	outstanding	outstanding	ADJ
cblr-1739	296	106	predictive	predictive	ADJ
cblr-1739	296	107	value	value	NOUN
cblr-1739	296	108	.	.	PUNCT
cblr-1739	297	1	lenders	lender	NOUN
cblr-1739	297	2	study	study	VERB
cblr-1739	297	3	and	and	CCONJ
cblr-1739	297	4	analyze	analyze	VERB
cblr-1739	297	5	factors	factor	NOUN
cblr-1739	297	6	like	like	ADP
cblr-1739	297	7	adhesion	adhesion	NOUN
cblr-1739	297	8	to	to	ADP
cblr-1739	297	9	airtime	airtime	NOUN
cblr-1739	297	10	limits	limit	NOUN
cblr-1739	297	11	,	,	PUNCT
cblr-1739	297	12	voice	voice	NOUN
cblr-1739	297	13	usage	usage	NOUN
cblr-1739	297	14	,	,	PUNCT
cblr-1739	297	15	length	length	NOUN
cblr-1739	297	16	of	of	ADP
cblr-1739	297	17	calls	call	NOUN
cblr-1739	297	18	,	,	PUNCT
cblr-1739	297	19	and	and	CCONJ
cblr-1739	297	20	location	location	NOUN
cblr-1739	297	21	to	to	PART
cblr-1739	297	22	establish	establish	VERB
cblr-1739	297	23	financial	financial	ADJ
cblr-1739	297	24	trustworthiness	trustworthiness	NOUN
cblr-1739	297	25	of	of	ADP
cblr-1739	297	26	loan	loan	NOUN
cblr-1739	297	27	candidates	candidate	NOUN
cblr-1739	297	28	in	in	ADP
cblr-1739	297	29	the	the	DET
cblr-1739	297	30	developing	develop	VERB
cblr-1739	297	31	world.82	world.82	NOUN
cblr-1739	297	32	the	the	DET
cblr-1739	297	33	very	very	ADJ
cblr-1739	297	34	grain	grain	NOUN
cblr-1739	297	35	of	of	ADP
cblr-1739	297	36	the	the	DET
cblr-1739	297	37	data	data	NOUN
cblr-1739	297	38	-	-	PUNCT
cblr-1739	297	39	driven	drive	VERB
cblr-1739	297	40	lending	lending	NOUN
cblr-1739	297	41	market	market	NOUN
cblr-1739	297	42	encompasses	encompass	VERB
cblr-1739	297	43	the	the	DET
cblr-1739	297	44	notion	notion	NOUN
cblr-1739	297	45	that	that	SCONJ
cblr-1739	297	46	traditional	traditional	ADJ
cblr-1739	297	47	methods	method	NOUN
cblr-1739	297	48	take	take	VERB
cblr-1739	297	49	account	account	NOUN
cblr-1739	297	50	of	of	ADP
cblr-1739	297	51	too	too	ADV
cblr-1739	297	52	few	few	ADJ
cblr-1739	297	53	scoring	scoring	NOUN
cblr-1739	297	54	indicators	indicator	NOUN
cblr-1739	297	55	,	,	PUNCT
cblr-1739	297	56	leaving	leave	VERB
cblr-1739	297	57	out	out	ADP
cblr-1739	297	58	many	many	ADJ
cblr-1739	297	59	creditworthy	creditworthy	ADJ
cblr-1739	297	60	borrowers	borrower	NOUN
cblr-1739	297	61	who	who	PRON
cblr-1739	297	62	lack	lack	VERB
cblr-1739	297	63	good	good	ADJ
cblr-1739	297	64	(	(	PUNCT
cblr-1739	297	65	or	or	CCONJ
cblr-1739	297	66	any	any	PRON
cblr-1739	297	67	)	)	PUNCT
cblr-1739	297	68	credit	credit	NOUN
cblr-1739	297	69	histories	history	NOUN
cblr-1739	297	70	.	.	PUNCT
cblr-1739	298	1	for	for	ADP
cblr-1739	298	2	underwriting	underwriting	NOUN
cblr-1739	298	3	,	,	PUNCT
cblr-1739	298	4	algorithms	algorithm	VERB
cblr-1739	298	5	mine	mine	VERB
cblr-1739	298	6	big	big	ADJ
cblr-1739	298	7	data	datum	NOUN
cblr-1739	298	8	to	to	PART
cblr-1739	298	9	score	score	VERB
cblr-1739	298	10	thousands	thousand	NOUN
cblr-1739	298	11	of	of	ADP
cblr-1739	298	12	potential	potential	ADJ
cblr-1739	298	13	credit	credit	NOUN
cblr-1739	298	14	variables	variable	NOUN
cblr-1739	298	15	in	in	ADP
cblr-1739	298	16	relation	relation	NOUN
cblr-1739	298	17	to	to	ADP
cblr-1739	298	18	an	an	DET
cblr-1739	298	19	individual	individual	NOUN
cblr-1739	298	20	’s	’s	PART
cblr-1739	298	21	attributes	attribute	NOUN
cblr-1739	298	22	and	and	CCONJ
cblr-1739	298	23	behavior	behavior	NOUN
cblr-1739	298	24	,	,	PUNCT
cblr-1739	298	25	such	such	ADJ
cblr-1739	298	26	as	as	ADP
cblr-1739	298	27	the	the	DET
cblr-1739	298	28	way	way	NOUN
cblr-1739	298	29	79	79	NUM
cblr-1739	298	30	see	see	VERB
cblr-1739	298	31	ingrid	ingrid	PROPN
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cblr-1739	298	33	,	,	PUNCT
cblr-1739	298	34	80	80	NUM
cblr-1739	298	35	%	%	NOUN
cblr-1739	298	36	of	of	ADP
cblr-1739	298	37	all	all	DET
cblr-1739	298	38	online	online	ADJ
cblr-1739	298	39	adults	adult	NOUN
cblr-1739	298	40	now	now	ADV
cblr-1739	298	41	own	own	VERB
cblr-1739	298	42	a	a	DET
cblr-1739	298	43	smartphone	smartphone	NOUN
cblr-1739	298	44	,	,	PUNCT
cblr-1739	298	45	less	less	ADJ
cblr-1739	298	46	than	than	ADP
cblr-1739	298	47	10	10	NUM
cblr-1739	298	48	%	%	NOUN
cblr-1739	298	49	use	use	NOUN
cblr-1739	298	50	wearables	wearable	NOUN
cblr-1739	298	51	,	,	PUNCT
cblr-1739	298	52	techcrunch	techcrunch	NOUN
cblr-1739	298	53	(	(	PUNCT
cblr-1739	298	54	jan	jan	PROPN
cblr-1739	298	55	.	.	PROPN
cblr-1739	298	56	12	12	NUM
cblr-1739	298	57	,	,	PUNCT
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cblr-1739	298	60	,	,	PUNCT
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cblr-1739	299	4	.	.	PUNCT
cblr-1739	300	1	80	80	NUM
cblr-1739	300	2	see	see	VERB
cblr-1739	300	3	aaron	aaron	PROPN
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cblr-1739	300	5	,	,	PUNCT
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cblr-1739	300	7	.	.	PROPN
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cblr-1739	300	9	use	use	NOUN
cblr-1739	300	10	in	in	ADP
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cblr-1739	300	12	,	,	PUNCT
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cblr-1739	300	15	.	.	PUNCT
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cblr-1739	300	17	.	.	PUNCT
cblr-1739	301	1	(	(	PUNCT
cblr-1739	301	2	apr	apr	NOUN
cblr-1739	301	3	.	.	PROPN
cblr-1739	301	4	1	1	NUM
cblr-1739	301	5	,	,	PUNCT
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cblr-1739	301	8	,	,	PUNCT
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cblr-1739	302	1	[	[	X
cblr-1739	302	2	http://perma.cc/8qlz-6ccl	http://perma.cc/8qlz-6ccl	X
cblr-1739	302	3	]	]	X
cblr-1739	302	4	.	.	PUNCT
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cblr-1739	303	2	see	see	VERB
cblr-1739	303	3	bd	bd	PROPN
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cblr-1739	304	8	financial	financial	ADJ
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cblr-1739	304	10	5	5	NUM
cblr-1739	304	11	(	(	PUNCT
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cblr-1739	304	19	-	-	PUNCT
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cblr-1739	304	21	-	-	PUNCT
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cblr-1739	304	25	-	-	PUNCT
cblr-1739	304	26	services	service	NOUN
cblr-1739	304	27	-	-	PUNCT
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cblr-1739	306	13	(	(	PUNCT
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cblr-1739	307	1	[	[	X
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cblr-1739	307	4	.	.	PUNCT
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cblr-1739	308	3	&	&	CCONJ
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cblr-1739	308	5	-	-	PUNCT
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cblr-1739	308	7	–	–	PUNCT
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cblr-1739	309	3	.	.	PUNCT
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cblr-1739	310	3	click	click	VERB
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cblr-1739	310	9	a	a	DET
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cblr-1739	310	20	data	datum	NOUN
cblr-1739	310	21	into	into	ADP
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cblr-1739	310	25	-	-	PUNCT
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cblr-1739	310	34	-	-	PUNCT
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cblr-1739	311	4	quickly	quickly	ADV
cblr-1739	311	5	and	and	CCONJ
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cblr-1739	312	2	.	.	X
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cblr-1739	312	4	lending	lending	NOUN
cblr-1739	312	5	—	—	PUNCT
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cblr-1739	312	14	-	-	PUNCT
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cblr-1739	315	24	(	(	PUNCT
cblr-1739	315	25	2014	2014	NUM
cblr-1739	315	26	)	)	PUNCT
cblr-1739	315	27	,	,	PUNCT
cblr-1739	315	28	https://www.teamupturn.com/static/files/knowing_the	https://www.teamupturn.com/static/files/knowing_the	ADP
cblr-1739	315	29	_	_	NOUN
cblr-1739	315	30	score_oct_2014_v1_1.pdf	score_oct_2014_v1_1.pdf	NOUN
cblr-1739	316	1	[	[	X
cblr-1739	316	2	http://perma.cc/y8tl-curj	http://perma.cc/y8tl-curj	NOUN
cblr-1739	316	3	]	]	X
cblr-1739	316	4	.	.	PUNCT
cblr-1739	316	5	85	85	NUM
cblr-1739	316	6	julie	julie	PROPN
cblr-1739	316	7	brill	brill	PROPN
cblr-1739	316	8	,	,	PUNCT
cblr-1739	316	9	comm’r	comm’r	PRON
cblr-1739	316	10	,	,	PUNCT
cblr-1739	316	11	fed	fed	PROPN
cblr-1739	316	12	.	.	PUNCT
cblr-1739	317	1	trade	trade	PROPN
cblr-1739	317	2	comm’n	comm’n	NOUN
cblr-1739	317	3	,	,	PUNCT
cblr-1739	317	4	keynote	keynote	ADJ
cblr-1739	317	5	address	address	NOUN
cblr-1739	317	6	at	at	ADP
cblr-1739	317	7	the	the	DET
cblr-1739	317	8	silicon	silicon	NOUN
cblr-1739	317	9	flatirons	flatiron	NOUN
cblr-1739	317	10	conference	conference	NOUN
cblr-1739	317	11	:	:	PUNCT
cblr-1739	317	12	the	the	DET
cblr-1739	317	13	new	new	ADJ
cblr-1739	317	14	frontiers	frontier	NOUN
cblr-1739	317	15	of	of	ADP
cblr-1739	317	16	privacy	privacy	NOUN
cblr-1739	317	17	harm	harm	NOUN
cblr-1739	317	18	(	(	PUNCT
cblr-1739	317	19	jan	jan	PROPN
cblr-1739	317	20	.	.	PROPN
cblr-1739	317	21	17	17	NUM
cblr-1739	317	22	,	,	PUNCT
cblr-1739	317	23	2014	2014	NUM
cblr-1739	317	24	)	)	PUNCT
cblr-1739	317	25	,	,	PUNCT
cblr-1739	317	26	http://youtu.be/vxeykgw8wxg	http://youtu.be/vxeykgw8wxg	NOUN
cblr-1739	318	1	[	[	X
cblr-1739	318	2	http://perma.cc/f335-e987	http://perma.cc/f335-e987	X
cblr-1739	318	3	]	]	X
cblr-1739	318	4	(	(	PUNCT
cblr-1739	318	5	“	"	PUNCT
cblr-1739	318	6	on	on	ADP
cblr-1739	318	7	the	the	DET
cblr-1739	318	8	internet	internet	NOUN
cblr-1739	318	9	of	of	ADP
cblr-1739	318	10	things	thing	NOUN
cblr-1739	318	11	,	,	PUNCT
cblr-1739	318	12	consumers	consumer	NOUN
cblr-1739	318	13	are	be	AUX
cblr-1739	318	14	going	go	VERB
cblr-1739	318	15	to	to	PART
cblr-1739	318	16	start	start	VERB
cblr-1739	318	17	having	have	VERB
cblr-1739	318	18	devices	device	NOUN
cblr-1739	318	19	,	,	PUNCT
cblr-1739	318	20	whether	whether	SCONJ
cblr-1739	318	21	it	it	PRON
cblr-1739	318	22	’s	’	VERB
cblr-1739	318	23	their	their	PRON
cblr-1739	318	24	car	car	NOUN
cblr-1739	318	25	,	,	PUNCT
cblr-1739	318	26	or	or	CCONJ
cblr-1739	318	27	some	some	DET
cblr-1739	318	28	other	other	ADJ
cblr-1739	318	29	tool	tool	NOUN
cblr-1739	318	30	that	that	PRON
cblr-1739	318	31	they	they	PRON
cblr-1739	318	32	have	have	VERB
cblr-1739	318	33	,	,	PUNCT
cblr-1739	318	34	that	that	PRON
cblr-1739	318	35	’s	’s	AUX
cblr-1739	318	36	connected	connect	VERB
cblr-1739	318	37	and	and	CCONJ
cblr-1739	318	38	sending	send	VERB
cblr-1739	318	39	information	information	NOUN
cblr-1739	318	40	to	to	ADP
cblr-1739	318	41	a	a	DET
cblr-1739	318	42	number	number	NOUN
cblr-1739	318	43	of	of	ADP
cblr-1739	318	44	different	different	ADJ
cblr-1739	318	45	entities	entity	NOUN
cblr-1739	318	46	,	,	PUNCT
cblr-1739	318	47	and	and	CCONJ
cblr-1739	318	48	the	the	DET
cblr-1739	318	49	consumer	consumer	NOUN
cblr-1739	318	50	might	might	AUX
cblr-1739	318	51	not	not	PART
cblr-1739	318	52	even	even	ADV
cblr-1739	318	53	realize	realize	VERB
cblr-1739	318	54	that	that	SCONJ
cblr-1739	318	55	they	they	PRON
cblr-1739	318	56	have	have	VERB
cblr-1739	318	57	a	a	DET
cblr-1739	318	58	connected	connected	ADJ
cblr-1739	318	59	device	device	NOUN
cblr-1739	318	60	or	or	CCONJ
cblr-1739	318	61	that	that	SCONJ
cblr-1739	318	62	the	the	DET
cblr-1739	318	63	thing	thing	NOUN
cblr-1739	318	64	that	that	PRON
cblr-1739	318	65	they	they	PRON
cblr-1739	318	66	’re	’re	AUX
cblr-1739	318	67	using	use	VERB
cblr-1739	318	68	is	be	AUX
cblr-1739	318	69	collecting	collect	VERB
cblr-1739	318	70	information	information	NOUN
cblr-1739	318	71	about	about	ADP
cblr-1739	318	72	them	they	PRON
cblr-1739	318	73	.	.	PUNCT
cblr-1739	318	74	”	"	PUNCT
cblr-1739	318	75	)	)	PUNCT
cblr-1739	318	76	.	.	PUNCT
cblr-1739	319	1	86	86	NUM
cblr-1739	319	2	see	see	VERB
cblr-1739	319	3	scott	scott	PROPN
cblr-1739	319	4	r.	r.	PROPN
cblr-1739	319	5	peppet	peppet	PROPN
cblr-1739	319	6	,	,	PUNCT
cblr-1739	319	7	regulating	regulate	VERB
cblr-1739	319	8	the	the	DET
cblr-1739	319	9	internet	internet	NOUN
cblr-1739	319	10	of	of	ADP
cblr-1739	319	11	things	thing	NOUN
cblr-1739	319	12	:	:	PUNCT
cblr-1739	319	13	first	first	ADJ
cblr-1739	319	14	steps	step	NOUN
cblr-1739	319	15	toward	toward	ADP
cblr-1739	319	16	managing	manage	VERB
cblr-1739	319	17	discrimination	discrimination	NOUN
cblr-1739	319	18	,	,	PUNCT
cblr-1739	319	19	privacy	privacy	NOUN
cblr-1739	319	20	,	,	PUNCT
cblr-1739	319	21	security	security	NOUN
cblr-1739	319	22	,	,	PUNCT
cblr-1739	319	23	and	and	CCONJ
cblr-1739	319	24	consent	consent	NOUN
cblr-1739	319	25	,	,	PUNCT
cblr-1739	319	26	93	93	NUM
cblr-1739	319	27	tex	tex	PROPN
cblr-1739	319	28	.	.	PROPN
cblr-1739	319	29	l.	l.	PROPN
cblr-1739	319	30	rev	rev	PROPN
cblr-1739	319	31	.	.	PROPN
cblr-1739	319	32	85	85	NUM
cblr-1739	319	33	,	,	PUNCT
cblr-1739	319	34	122–23	122–23	NUM
cblr-1739	319	35	(	(	PUNCT
cblr-1739	319	36	2014	2014	NUM
cblr-1739	319	37	)	)	PUNCT
cblr-1739	319	38	(	(	PUNCT
cblr-1739	319	39	“	"	PUNCT
cblr-1739	319	40	for	for	ADP
cblr-1739	319	41	example	example	NOUN
cblr-1739	319	42	,	,	PUNCT
cblr-1739	319	43	safaricom	safaricom	PROPN
cblr-1739	319	44	,	,	PUNCT
cblr-1739	319	45	kenya	kenya	PROPN
cblr-1739	319	46	’s	’s	PART
cblr-1739	319	47	largest	large	ADJ
cblr-1739	319	48	cellphone	cellphone	NOUN
cblr-1739	319	49	operator	operator	NOUN
cblr-1739	319	50	,	,	PUNCT
cblr-1739	319	51	studies	study	VERB
cblr-1739	319	52	its	its	PRON
cblr-1739	319	53	mobile	mobile	ADJ
cblr-1739	319	54	phone	phone	NOUN
cblr-1739	319	55	users	user	NOUN
cblr-1739	319	56	to	to	PART
cblr-1739	319	57	establish	establish	VERB
cblr-1739	319	58	their	their	PRON
cblr-1739	319	59	trustworthiness	trustworthiness	NOUN
cblr-1739	319	60	.	.	PUNCT
cblr-1739	320	1	based	base	VERB
cblr-1739	320	2	on	on	ADP
cblr-1739	320	3	how	how	SCONJ
cblr-1739	320	4	often	often	ADV
cblr-1739	320	5	its	its	PRON
cblr-1739	320	6	customers	customer	NOUN
cblr-1739	320	7	top	top	VERB
cblr-1739	320	8	up	up	ADP
cblr-1739	320	9	their	their	PRON
cblr-1739	320	10	airtime	airtime	NOUN
cblr-1739	320	11	,	,	PUNCT
cblr-1739	320	12	for	for	ADP
cblr-1739	320	13	example	example	NOUN
cblr-1739	320	14	,	,	PUNCT
cblr-1739	320	15	it	it	PRON
cblr-1739	320	16	may	may	AUX
cblr-1739	320	17	then	then	ADV
cblr-1739	320	18	decide	decide	VERB
cblr-1739	320	19	to	to	PART
cblr-1739	320	20	extend	extend	VERB
cblr-1739	320	21	them	they	PRON
cblr-1739	320	22	credit	credit	NOUN
cblr-1739	320	23	.	.	PUNCT
cblr-1739	320	24	”	"	PUNCT
cblr-1739	320	25	)	)	PUNCT
cblr-1739	320	26	;	;	PUNCT
cblr-1739	320	27	see	see	VERB
cblr-1739	320	28	also	also	ADV
cblr-1739	320	29	alloway	alloway	PROPN
cblr-1739	320	30	,	,	PUNCT
cblr-1739	320	31	supra	supra	PROPN
cblr-1739	320	32	note	note	NOUN
cblr-1739	320	33	9	9	NUM
cblr-1739	320	34	(	(	PUNCT
cblr-1739	320	35	“	"	PUNCT
cblr-1739	320	36	the	the	DET
cblr-1739	320	37	use	use	NOUN
cblr-1739	320	38	of	of	ADP
cblr-1739	320	39	wearable	wearable	ADJ
cblr-1739	320	40	technologies	technology	NOUN
cblr-1739	320	41	,	,	PUNCT
cblr-1739	320	42	which	which	PRON
cblr-1739	320	43	can	can	AUX
cblr-1739	320	44	track	track	VERB
cblr-1739	320	45	everything	everything	PRON
cblr-1739	320	46	from	from	ADP
cblr-1739	320	47	exercise	exercise	NOUN
cblr-1739	320	48	habits	habit	NOUN
cblr-1739	320	49	to	to	ADP
cblr-1739	320	50	heart	heart	NOUN
cblr-1739	320	51	rate	rate	NOUN
cblr-1739	320	52	,	,	PUNCT
cblr-1739	320	53	is	be	AUX
cblr-1739	320	54	also	also	ADV
cblr-1739	320	55	opening	open	VERB
cblr-1739	320	56	up	up	ADP
cblr-1739	320	57	an	an	DET
cblr-1739	320	58	other	other	ADJ
cblr-1739	320	59	[	[	X
cblr-1739	320	60	sic	sic	ADJ
cblr-1739	320	61	]	]	X
cblr-1739	320	62	realm	realm	NOUN
cblr-1739	320	63	of	of	ADP
cblr-1739	320	64	information	information	NOUN
cblr-1739	320	65	for	for	ADP
cblr-1739	320	66	data	data	NOUN
cblr-1739	320	67	-	-	PUNCT
cblr-1739	320	68	hungry	hungry	ADJ
cblr-1739	320	69	lenders	lender	NOUN
cblr-1739	320	70	.	.	PUNCT
cblr-1739	320	71	”	"	PUNCT
cblr-1739	320	72	)	)	PUNCT
cblr-1739	320	73	.	.	PUNCT
cblr-1739	321	1	geslevich	geslevich	PROPN
cblr-1739	321	2	packin	packin	PROPN
cblr-1739	321	3	&	&	CCONJ
cblr-1739	321	4	lev	lev	PROPN
cblr-1739	321	5	-	-	PUNCT
cblr-1739	321	6	aretz	aretz	PROPN
cblr-1739	321	7	–	–	PUNCT
cblr-1739	321	8	final	final	ADJ
cblr-1739	321	9	no	no	NOUN
cblr-1739	321	10	.	.	PUNCT
cblr-1739	322	1	2:339	2:339	NUM
cblr-1739	322	2	]	]	X
cblr-1739	322	3	on	on	ADP
cblr-1739	322	4	social	social	ADJ
cblr-1739	322	5	credit	credit	NOUN
cblr-1739	322	6	361	361	NUM
cblr-1739	322	7	generating	generate	VERB
cblr-1739	322	8	algorithm	algorithm	NOUN
cblr-1739	322	9	around	around	ADP
cblr-1739	322	10	behavioral	behavioral	ADJ
cblr-1739	322	11	data	datum	NOUN
cblr-1739	322	12	gleaned	glean	VERB
cblr-1739	322	13	from	from	ADP
cblr-1739	322	14	social	social	ADJ
cblr-1739	322	15	media	medium	NOUN
cblr-1739	322	16	and	and	CCONJ
cblr-1739	322	17	social	social	ADJ
cblr-1739	322	18	networking	network	VERB
cblr-1739	322	19	information	information	NOUN
cblr-1739	322	20	.	.	PUNCT
cblr-1739	323	1	anthropologists	anthropologist	NOUN
cblr-1739	323	2	,	,	PUNCT
cblr-1739	323	3	behavioral	behavioral	ADJ
cblr-1739	323	4	economists	economist	NOUN
cblr-1739	323	5	,	,	PUNCT
cblr-1739	323	6	psychologists	psychologist	NOUN
cblr-1739	323	7	,	,	PUNCT
cblr-1739	323	8	and	and	CCONJ
cblr-1739	323	9	microfinance	microfinance	NOUN
cblr-1739	323	10	professionals	professional	NOUN
cblr-1739	323	11	support	support	VERB
cblr-1739	323	12	data	datum	NOUN
cblr-1739	323	13	collection	collection	NOUN
cblr-1739	323	14	and	and	CCONJ
cblr-1739	323	15	analysis	analysis	NOUN
cblr-1739	323	16	as	as	ADP
cblr-1739	323	17	means	mean	NOUN
cblr-1739	323	18	to	to	PART
cblr-1739	323	19	achieve	achieve	VERB
cblr-1739	323	20	better	well	ADJ
cblr-1739	323	21	predictions	prediction	NOUN
cblr-1739	323	22	of	of	ADP
cblr-1739	323	23	financial	financial	ADJ
cblr-1739	323	24	risk.87	risk.87	PROPN
cblr-1739	323	25	variables	variable	NOUN
cblr-1739	323	26	like	like	ADP
cblr-1739	323	27	education	education	NOUN
cblr-1739	323	28	,	,	PUNCT
cblr-1739	323	29	career	career	NOUN
cblr-1739	323	30	path	path	NOUN
cblr-1739	323	31	,	,	PUNCT
cblr-1739	323	32	and	and	CCONJ
cblr-1739	323	33	the	the	DET
cblr-1739	323	34	strength	strength	NOUN
cblr-1739	323	35	of	of	ADP
cblr-1739	323	36	social	social	ADJ
cblr-1739	323	37	ties	tie	NOUN
cblr-1739	323	38	(	(	PUNCT
cblr-1739	323	39	such	such	ADJ
cblr-1739	323	40	as	as	ADP
cblr-1739	323	41	the	the	DET
cblr-1739	323	42	number	number	NOUN
cblr-1739	323	43	of	of	ADP
cblr-1739	323	44	friends	friend	NOUN
cblr-1739	323	45	and	and	CCONJ
cblr-1739	323	46	followers	follower	NOUN
cblr-1739	323	47	and	and	CCONJ
cblr-1739	323	48	the	the	DET
cblr-1739	323	49	information	information	NOUN
cblr-1739	323	50	available	available	ADJ
cblr-1739	323	51	about	about	ADP
cblr-1739	323	52	friends	friend	NOUN
cblr-1739	323	53	and	and	CCONJ
cblr-1739	323	54	followers	follower	NOUN
cblr-1739	323	55	)	)	PUNCT
cblr-1739	323	56	are	be	AUX
cblr-1739	323	57	just	just	ADV
cblr-1739	323	58	some	some	PRON
cblr-1739	323	59	of	of	ADP
cblr-1739	323	60	the	the	DET
cblr-1739	323	61	many	many	ADJ
cblr-1739	323	62	indicators	indicator	NOUN
cblr-1739	323	63	gradually	gradually	ADV
cblr-1739	323	64	gaining	gain	VERB
cblr-1739	323	65	traction	traction	NOUN
cblr-1739	323	66	in	in	ADP
cblr-1739	323	67	the	the	DET
cblr-1739	323	68	move	move	NOUN
cblr-1739	323	69	from	from	ADP
cblr-1739	323	70	a	a	DET
cblr-1739	323	71	faceless	faceless	ADJ
cblr-1739	323	72	credit	credit	NOUN
cblr-1739	323	73	score	score	NOUN
cblr-1739	323	74	to	to	ADP
cblr-1739	323	75	a	a	DET
cblr-1739	323	76	facebook	facebook	NOUN
cblr-1739	323	77	credit	credit	NOUN
cblr-1739	323	78	score.88	score.88	NOUN
cblr-1739	323	79	for	for	ADP
cblr-1739	323	80	example	example	NOUN
cblr-1739	323	81	,	,	PUNCT
cblr-1739	323	82	fintech	fintech	NOUN
cblr-1739	323	83	lending	lending	NOUN
cblr-1739	323	84	companies	company	NOUN
cblr-1739	323	85	use	use	VERB
cblr-1739	323	86	online	online	ADJ
cblr-1739	323	87	social	social	ADJ
cblr-1739	323	88	data	datum	NOUN
cblr-1739	323	89	to	to	PART
cblr-1739	323	90	authenticate	authenticate	VERB
cblr-1739	323	91	factual	factual	ADJ
cblr-1739	323	92	information	information	NOUN
cblr-1739	323	93	submitted	submit	VERB
cblr-1739	323	94	in	in	ADP
cblr-1739	323	95	loan	loan	NOUN
cblr-1739	323	96	applications	application	NOUN
cblr-1739	323	97	and	and	CCONJ
cblr-1739	323	98	further	far	ADV
cblr-1739	323	99	verify	verify	VERB
cblr-1739	323	100	trustworthiness.89	trustworthiness.89	NOUN
cblr-1739	323	101	one	one	NUM
cblr-1739	323	102	of	of	ADP
cblr-1739	323	103	the	the	DET
cblr-1739	323	104	leaders	leader	NOUN
cblr-1739	323	105	in	in	ADP
cblr-1739	323	106	the	the	DET
cblr-1739	323	107	social	social	ADJ
cblr-1739	323	108	finance	finance	NOUN
cblr-1739	323	109	market	market	NOUN
cblr-1739	323	110	is	be	AUX
cblr-1739	323	111	lenddo	lenddo	NOUN
cblr-1739	323	112	,	,	PUNCT
cblr-1739	323	113	a	a	DET
cblr-1739	323	114	hong	hong	PROPN
cblr-1739	323	115	kong	kong	PROPN
cblr-1739	323	116	-	-	PUNCT
cblr-1739	323	117	based	base	VERB
cblr-1739	323	118	startup	startup	NOUN
cblr-1739	323	119	that	that	PRON
cblr-1739	323	120	built	build	VERB
cblr-1739	323	121	a	a	DET
cblr-1739	323	122	thriving	thriving	ADJ
cblr-1739	323	123	lending	lending	NOUN
cblr-1739	323	124	business	business	NOUN
cblr-1739	323	125	based	base	VERB
cblr-1739	323	126	on	on	ADP
cblr-1739	323	127	the	the	DET
cblr-1739	323	128	analysis	analysis	NOUN
cblr-1739	323	129	of	of	ADP
cblr-1739	323	130	online	online	ADJ
cblr-1739	323	131	social	social	ADJ
cblr-1739	323	132	footprints.90	footprints.90	NOUN
cblr-1739	323	133	to	to	PART
cblr-1739	323	134	apply	apply	VERB
cblr-1739	323	135	for	for	ADP
cblr-1739	323	136	a	a	DET
cblr-1739	323	137	loan	loan	NOUN
cblr-1739	323	138	,	,	PUNCT
cblr-1739	323	139	users	user	NOUN
cblr-1739	323	140	authorize	authorize	VERB
cblr-1739	323	141	lenddo	lenddo	NOUN
cblr-1739	323	142	to	to	PART
cblr-1739	323	143	access	access	VERB
cblr-1739	323	144	their	their	PRON
cblr-1739	323	145	social	social	ADJ
cblr-1739	323	146	media	medium	NOUN
cblr-1739	323	147	profiles	profile	NOUN
cblr-1739	323	148	.	.	PUNCT
cblr-1739	324	1	lenddo	lenddo	PROPN
cblr-1739	324	2	then	then	ADV
cblr-1739	324	3	assesses	assess	VERB
cblr-1739	324	4	the	the	DET
cblr-1739	324	5	information	information	NOUN
cblr-1739	324	6	and	and	CCONJ
cblr-1739	324	7	assigns	assign	VERB
cblr-1739	324	8	a	a	DET
cblr-1739	324	9	score	score	NOUN
cblr-1739	324	10	that	that	PRON
cblr-1739	324	11	determines	determine	VERB
cblr-1739	324	12	whether	whether	SCONJ
cblr-1739	324	13	the	the	DET
cblr-1739	324	14	applicant	applicant	NOUN
cblr-1739	324	15	can	can	AUX
cblr-1739	324	16	receive	receive	VERB
cblr-1739	324	17	a	a	DET
cblr-1739	324	18	loan	loan	NOUN
cblr-1739	324	19	and	and	CCONJ
cblr-1739	324	20	the	the	DET
cblr-1739	324	21	terms	term	NOUN
cblr-1739	324	22	under	under	ADP
cblr-1739	324	23	which	which	PRON
cblr-1739	324	24	such	such	DET
cblr-1739	324	25	a	a	DET
cblr-1739	324	26	loan	loan	NOUN
cblr-1739	324	27	will	will	AUX
cblr-1739	324	28	be	be	AUX
cblr-1739	324	29	granted.91	granted.91	PROPN
cblr-1739	324	30	lenddo	lenddo	PROPN
cblr-1739	324	31	utilizes	utilize	VERB
cblr-1739	324	32	the	the	DET
cblr-1739	324	33	network	network	NOUN
cblr-1739	324	34	effect	effect	NOUN
cblr-1739	324	35	not	not	PART
cblr-1739	324	36	only	only	ADV
cblr-1739	324	37	to	to	PART
cblr-1739	324	38	judge	judge	VERB
cblr-1739	324	39	the	the	DET
cblr-1739	324	40	character	character	NOUN
cblr-1739	324	41	of	of	ADP
cblr-1739	324	42	the	the	DET
cblr-1739	324	43	candidate	candidate	NOUN
cblr-1739	324	44	,	,	PUNCT
cblr-1739	324	45	but	but	CCONJ
cblr-1739	324	46	also	also	ADV
cblr-1739	324	47	to	to	PART
cblr-1739	324	48	penalize	penalize	VERB
cblr-1739	324	49	default	default	NOUN
cblr-1739	324	50	and	and	CCONJ
cblr-1739	324	51	reward	reward	VERB
cblr-1739	324	52	repayment	repayment	NOUN
cblr-1739	324	53	.	.	PUNCT
cblr-1739	325	1	for	for	ADP
cblr-1739	325	2	example	example	NOUN
cblr-1739	325	3	,	,	PUNCT
cblr-1739	325	4	a	a	DET
cblr-1739	325	5	failure	failure	NOUN
cblr-1739	325	6	to	to	PART
cblr-1739	325	7	pay	pay	VERB
cblr-1739	325	8	could	could	AUX
cblr-1739	325	9	trigger	trigger	VERB
cblr-1739	325	10	an	an	DET
cblr-1739	325	11	alert	alert	NOUN
cblr-1739	325	12	that	that	PRON
cblr-1739	325	13	is	be	AUX
cblr-1739	325	14	applied	apply	VERB
cblr-1739	325	15	to	to	ADP
cblr-1739	325	16	the	the	DET
cblr-1739	325	17	user	user	NOUN
cblr-1739	325	18	’s	’s	PART
cblr-1739	325	19	friends	friend	NOUN
cblr-1739	325	20	,	,	PUNCT
cblr-1739	325	21	whose	whose	DET
cblr-1739	325	22	own	own	ADJ
cblr-1739	325	23	lenddo	lenddo	NOUN
cblr-1739	325	24	scores	score	NOUN
cblr-1739	325	25	would	would	AUX
cblr-1739	325	26	in	in	ADP
cblr-1739	325	27	turn	turn	NOUN
cblr-1739	325	28	be	be	AUX
cblr-1739	325	29	impaired	impair	VERB
cblr-1739	325	30	by	by	ADP
cblr-1739	325	31	the	the	DET
cblr-1739	325	32	default.92	default.92	NOUN
cblr-1739	325	33	lendup	lendup	VERB
cblr-1739	325	34	,	,	PUNCT
cblr-1739	325	35	another	another	DET
cblr-1739	325	36	lending	lending	NOUN
cblr-1739	325	37	startup	startup	NOUN
cblr-1739	325	38	,	,	PUNCT
cblr-1739	325	39	mixes	mix	VERB
cblr-1739	325	40	data	datum	NOUN
cblr-1739	325	41	from	from	ADP
cblr-1739	325	42	87	87	NUM
cblr-1739	325	43	see	see	NOUN
cblr-1739	325	44	groenfeldt	groenfeldt	ADJ
cblr-1739	325	45	,	,	PUNCT
cblr-1739	325	46	supra	supra	PROPN
cblr-1739	325	47	note	note	NOUN
cblr-1739	325	48	13	13	NUM
cblr-1739	325	49	.	.	PUNCT
cblr-1739	326	1	similarly	similarly	ADV
cblr-1739	326	2	,	,	PUNCT
cblr-1739	326	3	in	in	ADP
cblr-1739	326	4	a	a	DET
cblr-1739	326	5	more	more	ADV
cblr-1739	326	6	extreme	extreme	ADJ
cblr-1739	326	7	manner	manner	NOUN
cblr-1739	326	8	,	,	PUNCT
cblr-1739	326	9	china	china	PROPN
cblr-1739	326	10	has	have	AUX
cblr-1739	326	11	recently	recently	ADV
cblr-1739	326	12	developed	develop	VERB
cblr-1739	326	13	a	a	DET
cblr-1739	326	14	new	new	ADJ
cblr-1739	326	15	social	social	ADJ
cblr-1739	326	16	credit	credit	NOUN
cblr-1739	326	17	system	system	NOUN
cblr-1739	326	18	to	to	PART
cblr-1739	326	19	leverage	leverage	VERB
cblr-1739	326	20	the	the	DET
cblr-1739	326	21	explosion	explosion	NOUN
cblr-1739	326	22	in	in	ADP
cblr-1739	326	23	personal	personal	ADJ
cblr-1739	326	24	data	datum	NOUN
cblr-1739	326	25	in	in	ADP
cblr-1739	326	26	order	order	NOUN
cblr-1739	326	27	to	to	PART
cblr-1739	326	28	improve	improve	VERB
cblr-1739	326	29	citizens	citizen	NOUN
cblr-1739	326	30	’	’	PART
cblr-1739	326	31	behavior	behavior	NOUN
cblr-1739	326	32	and	and	CCONJ
cblr-1739	326	33	motivate	motivate	VERB
cblr-1739	326	34	adherence	adherence	NOUN
cblr-1739	326	35	to	to	ADP
cblr-1739	326	36	the	the	DET
cblr-1739	326	37	rules	rule	NOUN
cblr-1739	326	38	of	of	ADP
cblr-1739	326	39	communist	communist	ADJ
cblr-1739	326	40	party	party	NOUN
cblr-1739	326	41	.	.	PUNCT
cblr-1739	327	1	rogier	rogier	NOUN
cblr-1739	327	2	creemers	creemer	NOUN
cblr-1739	327	3	,	,	PUNCT
cblr-1739	327	4	china	china	PROPN
cblr-1739	327	5	tests	test	VERB
cblr-1739	327	6	“	"	PUNCT
cblr-1739	327	7	social	social	ADJ
cblr-1739	327	8	credit	credit	NOUN
cblr-1739	327	9	score	score	NOUN
cblr-1739	327	10	”	"	PUNCT
cblr-1739	327	11	system	system	NOUN
cblr-1739	327	12	to	to	PART
cblr-1739	327	13	crack	crack	VERB
cblr-1739	327	14	down	down	ADP
cblr-1739	327	15	on	on	ADP
cblr-1739	327	16	critics	critic	NOUN
cblr-1739	327	17	,	,	PUNCT
cblr-1739	327	18	cnn	cnn	PROPN
cblr-1739	327	19	(	(	PUNCT
cblr-1739	327	20	oct	oct	PROPN
cblr-1739	327	21	.	.	PROPN
cblr-1739	327	22	27	27	NUM
cblr-1739	327	23	,	,	PUNCT
cblr-1739	327	24	2015	2015	NUM
cblr-1739	327	25	)	)	PUNCT
cblr-1739	327	26	,	,	PUNCT
cblr-1739	327	27	http://www.cnn.com/2015/10/27/opinions/china-socialcredit-score-creemers/	http://www.cnn.com/2015/10/27/opinions/china-socialcredit-score-creemers/	NOUN
cblr-1739	328	1	[	[	X
cblr-1739	328	2	http://perma.cc/n56l-g58j	http://perma.cc/n56l-g58j	NOUN
cblr-1739	328	3	]	]	X
cblr-1739	328	4	.	.	PUNCT
cblr-1739	329	1	88	88	NUM
cblr-1739	329	2	see	see	VERB
cblr-1739	329	3	rusli	rusli	NOUN
cblr-1739	329	4	,	,	PUNCT
cblr-1739	329	5	supra	supra	PROPN
cblr-1739	329	6	note	note	NOUN
cblr-1739	329	7	10	10	NUM
cblr-1739	329	8	.	.	SYM
cblr-1739	329	9	89	89	NUM
cblr-1739	329	10	see	see	VERB
cblr-1739	329	11	morozov	morozov	NOUN
cblr-1739	329	12	,	,	PUNCT
cblr-1739	329	13	supra	supra	PROPN
cblr-1739	329	14	note	note	PROPN
cblr-1739	329	15	82	82	NUM
cblr-1739	329	16	;	;	PUNCT
cblr-1739	329	17	see	see	VERB
cblr-1739	329	18	also	also	ADV
cblr-1739	329	19	groenfeldt	groenfeldt	ADJ
cblr-1739	329	20	,	,	PUNCT
cblr-1739	329	21	supra	supra	PROPN
cblr-1739	329	22	note	note	NOUN
cblr-1739	329	23	13	13	NUM
cblr-1739	329	24	.	.	PUNCT
cblr-1739	330	1	90	90	NUM
cblr-1739	330	2	see	see	NOUN
cblr-1739	330	3	about	about	ADP
cblr-1739	330	4	the	the	DET
cblr-1739	330	5	company	company	NOUN
cblr-1739	330	6	,	,	PUNCT
cblr-1739	330	7	lenddo	lenddo	PROPN
cblr-1739	330	8	,	,	PUNCT
cblr-1739	330	9	http://www.lenddo.com/#about	http://www.lenddo.com/#about	NOUN
cblr-1739	330	10	[	[	X
cblr-1739	330	11	http://perma.cc/68e2-x88b	http://perma.cc/68e2-x88b	NOUN
cblr-1739	330	12	]	]	PUNCT
cblr-1739	330	13	.	.	PUNCT
cblr-1739	331	1	91	91	NUM
cblr-1739	331	2	see	see	VERB
cblr-1739	331	3	rusli	rusli	NOUN
cblr-1739	331	4	,	,	PUNCT
cblr-1739	331	5	supra	supra	PROPN
cblr-1739	331	6	note	note	NOUN
cblr-1739	331	7	10	10	NUM
cblr-1739	331	8	.	.	PUNCT
cblr-1739	332	1	92	92	NUM
cblr-1739	332	2	see	see	VERB
cblr-1739	332	3	i	i	PROPN
cblr-1739	332	4	d.	d.	PROPN
cblr-1739	332	5	geslevich	geslevich	PROPN
cblr-1739	332	6	packin	packin	PROPN
cblr-1739	332	7	&	&	CCONJ
cblr-1739	332	8	lev	lev	PROPN
cblr-1739	332	9	-	-	PUNCT
cblr-1739	332	10	aretz	aretz	PROPN
cblr-1739	332	11	–	–	PUNCT
cblr-1739	332	12	final	final	ADJ
cblr-1739	332	13	362	362	NUM
cblr-1739	332	14	columbia	columbia	PROPN
cblr-1739	332	15	business	business	NOUN
cblr-1739	332	16	law	law	PROPN
cblr-1739	332	17	review	review	NOUN
cblr-1739	332	18	[	[	X
cblr-1739	332	19	vol	vol	NOUN
cblr-1739	332	20	.	.	NOUN
cblr-1739	332	21	2016	2016	NUM
cblr-1739	332	22	credit	credit	NOUN
cblr-1739	332	23	bureaus	bureaus	NOUN
cblr-1739	332	24	with	with	ADP
cblr-1739	332	25	reputational	reputational	ADJ
cblr-1739	332	26	information	information	NOUN
cblr-1739	332	27	mined	mine	VERB
cblr-1739	332	28	from	from	ADP
cblr-1739	332	29	social	social	ADJ
cblr-1739	332	30	networks.93	networks.93	NOUN
cblr-1739	332	31	in	in	ADP
cblr-1739	332	32	contrast	contrast	NOUN
cblr-1739	332	33	to	to	ADP
cblr-1739	332	34	lenddo	lenddo	NOUN
cblr-1739	332	35	,	,	PUNCT
cblr-1739	332	36	allowing	allow	VERB
cblr-1739	332	37	access	access	NOUN
cblr-1739	332	38	to	to	ADP
cblr-1739	332	39	a	a	DET
cblr-1739	332	40	candidate	candidate	NOUN
cblr-1739	332	41	’s	’s	PART
cblr-1739	332	42	social	social	ADJ
cblr-1739	332	43	network	network	NOUN
cblr-1739	332	44	is	be	AUX
cblr-1739	332	45	not	not	PART
cblr-1739	332	46	mandatory	mandatory	ADJ
cblr-1739	332	47	under	under	ADP
cblr-1739	332	48	lendup	lendup	VERB
cblr-1739	332	49	’s	’s	PART
cblr-1739	332	50	policy	policy	NOUN
cblr-1739	332	51	.	.	PUNCT
cblr-1739	333	1	applicants	applicant	NOUN
cblr-1739	333	2	are	be	AUX
cblr-1739	333	3	nonetheless	nonetheless	ADV
cblr-1739	333	4	encouraged	encouraged	ADJ
cblr-1739	333	5	to	to	PART
cblr-1739	333	6	fully	fully	ADV
cblr-1739	333	7	disclose	disclose	VERB
cblr-1739	333	8	their	their	PRON
cblr-1739	333	9	social	social	ADJ
cblr-1739	333	10	information	information	NOUN
cblr-1739	333	11	because	because	SCONJ
cblr-1739	333	12	the	the	PRON
cblr-1739	333	13	more	more	ADV
cblr-1739	333	14	they	they	PRON
cblr-1739	333	15	reveal	reveal	VERB
cblr-1739	333	16	,	,	PUNCT
cblr-1739	333	17	the	the	PRON
cblr-1739	333	18	better	well	ADJ
cblr-1739	333	19	their	their	PRON
cblr-1739	333	20	chances	chance	NOUN
cblr-1739	333	21	of	of	ADP
cblr-1739	333	22	approval.94	approval.94	NOUN
cblr-1739	333	23	neo95	neo95	NOUN
cblr-1739	333	24	and	and	CCONJ
cblr-1739	333	25	earnest,96	earnest,96	VERB
cblr-1739	333	26	u.s.-based	u.s.-based	ADJ
cblr-1739	333	27	lenders	lender	NOUN
cblr-1739	333	28	,	,	PUNCT
cblr-1739	333	29	similarly	similarly	ADV
cblr-1739	333	30	screen	screen	NOUN
cblr-1739	333	31	loan	loan	NOUN
cblr-1739	333	32	applicants	applicant	NOUN
cblr-1739	333	33	using	use	VERB
cblr-1739	333	34	both	both	CCONJ
cblr-1739	333	35	their	their	PRON
cblr-1739	333	36	actual	actual	ADJ
cblr-1739	333	37	incomes	income	NOUN
cblr-1739	333	38	and	and	CCONJ
cblr-1739	333	39	social	social	ADJ
cblr-1739	333	40	network	network	NOUN
cblr-1739	333	41	data	datum	NOUN
cblr-1739	333	42	.	.	PUNCT
cblr-1739	334	1	kreditech	kreditech	PROPN
cblr-1739	334	2	,	,	PUNCT
cblr-1739	334	3	a	a	DET
cblr-1739	334	4	german	german	ADJ
cblr-1739	334	5	startup	startup	NOUN
cblr-1739	334	6	,	,	PUNCT
cblr-1739	334	7	vets	vet	NOUN
cblr-1739	334	8	microloan	microloan	VERB
cblr-1739	334	9	applications	application	NOUN
cblr-1739	334	10	based	base	VERB
cblr-1739	334	11	on	on	ADP
cblr-1739	334	12	social	social	ADJ
cblr-1739	334	13	and	and	CCONJ
cblr-1739	334	14	commerce	commerce	NOUN
cblr-1739	334	15	data.97	data.97	NOUN
cblr-1739	334	16	silicon	silicon	NOUN
cblr-1739	334	17	93	93	NUM
cblr-1739	334	18	see	see	VERB
cblr-1739	334	19	what	what	PRON
cblr-1739	334	20	we	we	PRON
cblr-1739	334	21	do	do	VERB
cblr-1739	334	22	,	,	PUNCT
cblr-1739	334	23	lendup	lendup	VERB
cblr-1739	334	24	,	,	PUNCT
cblr-1739	334	25	https://www.lendup.com/en/about	https://www.lendup.com/en/about	AUX
cblr-1739	335	1	[	[	X
cblr-1739	335	2	https://perma.cc/n8wm-559w	https://perma.cc/n8wm-559w	NOUN
cblr-1739	335	3	]	]	X
cblr-1739	335	4	.	.	PUNCT
cblr-1739	336	1	lendup	lendup	VERB
cblr-1739	336	2	recently	recently	ADV
cblr-1739	336	3	stated	state	VERB
cblr-1739	336	4	that	that	SCONJ
cblr-1739	336	5	while	while	SCONJ
cblr-1739	336	6	they	they	PRON
cblr-1739	336	7	have	have	AUX
cblr-1739	336	8	successfully	successfully	ADV
cblr-1739	336	9	experimented	experiment	VERB
cblr-1739	336	10	with	with	ADP
cblr-1739	336	11	the	the	DET
cblr-1739	336	12	model	model	NOUN
cblr-1739	336	13	,	,	PUNCT
cblr-1739	336	14	its	its	PRON
cblr-1739	336	15	potential	potential	ADJ
cblr-1739	336	16	grey	grey	ADJ
cblr-1739	336	17	-	-	PUNCT
cblr-1739	336	18	zone	zone	NOUN
cblr-1739	336	19	legal	legal	ADJ
cblr-1739	336	20	legitimacy	legitimacy	NOUN
cblr-1739	336	21	prompted	prompt	VERB
cblr-1739	336	22	lendup	lendup	VERB
cblr-1739	336	23	to	to	PART
cblr-1739	336	24	not	not	PART
cblr-1739	336	25	use	use	VERB
cblr-1739	336	26	social	social	ADJ
cblr-1739	336	27	information	information	NOUN
cblr-1739	336	28	in	in	ADP
cblr-1739	336	29	its	its	PRON
cblr-1739	336	30	“	"	PUNCT
cblr-1739	336	31	actual	actual	ADJ
cblr-1739	336	32	decision	decision	NOUN
cblr-1739	336	33	-	-	PUNCT
cblr-1739	336	34	making	making	NOUN
cblr-1739	336	35	.	.	PUNCT
cblr-1739	336	36	”	"	PUNCT
cblr-1739	337	1	telis	telis	PROPN
cblr-1739	337	2	demos	demos	PROPN
cblr-1739	337	3	&	&	CCONJ
cblr-1739	337	4	deepa	deepa	PROPN
cblr-1739	337	5	seetharaman	seetharaman	PROPN
cblr-1739	337	6	,	,	PUNCT
cblr-1739	337	7	facebook	facebook	PROPN
cblr-1739	337	8	is	be	AUX
cblr-1739	337	9	n’t	not	PART
cblr-1739	337	10	so	so	ADV
cblr-1739	337	11	good	good	ADJ
cblr-1739	337	12	at	at	ADP
cblr-1739	337	13	judging	judge	VERB
cblr-1739	337	14	your	your	PRON
cblr-1739	337	15	credit	credit	NOUN
cblr-1739	337	16	after	after	ADV
cblr-1739	337	17	all	all	ADV
cblr-1739	337	18	;	;	PUNCT
cblr-1739	337	19	lenders	lender	NOUN
cblr-1739	337	20	drop	drop	VERB
cblr-1739	337	21	plans	plan	NOUN
cblr-1739	337	22	to	to	PART
cblr-1739	337	23	use	use	VERB
cblr-1739	337	24	social	social	ADJ
cblr-1739	337	25	media	medium	NOUN
cblr-1739	337	26	to	to	PART
cblr-1739	337	27	gauge	gauge	VERB
cblr-1739	337	28	creditworthiness	creditworthiness	NOUN
cblr-1739	337	29	as	as	SCONJ
cblr-1739	337	30	regulators	regulator	NOUN
cblr-1739	337	31	balk	balk	VERB
cblr-1739	337	32	;	;	PUNCT
cblr-1739	337	33	plus	plus	CCONJ
cblr-1739	337	34	,	,	PUNCT
cblr-1739	337	35	one	one	NUM
cblr-1739	337	36	startup	startup	NOUN
cblr-1739	337	37	says	say	VERB
cblr-1739	337	38	,	,	PUNCT
cblr-1739	337	39	‘	'	PUNCT
cblr-1739	337	40	it	it	PRON
cblr-1739	337	41	’s	’	VERB
cblr-1739	337	42	creepy	creepy	ADJ
cblr-1739	337	43	,	,	PUNCT
cblr-1739	337	44	’	'	PUNCT
cblr-1739	338	1	wall	wall	PROPN
cblr-1739	338	2	st	st	PROPN
cblr-1739	338	3	.	.	PROPN
cblr-1739	338	4	j.	j.	PROPN
cblr-1739	338	5	(	(	PUNCT
cblr-1739	338	6	feb	feb	PROPN
cblr-1739	338	7	.	.	PROPN
cblr-1739	338	8	24	24	NUM
cblr-1739	338	9	,	,	PUNCT
cblr-1739	338	10	2016	2016	NUM
cblr-1739	338	11	)	)	PUNCT
cblr-1739	338	12	,	,	PUNCT
cblr-1739	338	13	http://www.wsj.com/	http://www.wsj.com/	NOUN
cblr-1739	338	14	articles	article	NOUN
cblr-1739	338	15	/	/	SYM
cblr-1739	338	16	lenders	lender	NOUN
cblr-1739	338	17	-	-	PUNCT
cblr-1739	338	18	drop	drop	NOUN
cblr-1739	338	19	-	-	PUNCT
cblr-1739	338	20	plans	plan	NOUN
cblr-1739	338	21	-	-	PUNCT
cblr-1739	338	22	to	to	ADP
cblr-1739	338	23	-	-	PUNCT
cblr-1739	338	24	judge	judge	VERB
cblr-1739	338	25	-	-	PUNCT
cblr-1739	338	26	you	you	PRON
cblr-1739	338	27	-	-	PUNCT
cblr-1739	338	28	by	by	ADP
cblr-1739	338	29	-	-	PUNCT
cblr-1739	338	30	your	your	PRON
cblr-1739	338	31	-	-	PUNCT
cblr-1739	338	32	facebook	facebook	NOUN
cblr-1739	338	33	-	-	PUNCT
cblr-1739	338	34	friends-1456309	friends-1456309	NOUN
cblr-1739	338	35	801	801	NUM
cblr-1739	338	36	[	[	X
cblr-1739	338	37	http://perma.cc/nt9e-p5ld	http://perma.cc/nt9e-p5ld	X
cblr-1739	338	38	]	]	PUNCT
cblr-1739	338	39	.	.	PUNCT
cblr-1739	339	1	94	94	NUM
cblr-1739	339	2	see	see	VERB
cblr-1739	339	3	stephanie	stephanie	PROPN
cblr-1739	339	4	armour	armour	PROPN
cblr-1739	339	5	,	,	PUNCT
cblr-1739	339	6	borrowers	borrower	NOUN
cblr-1739	339	7	hit	hit	VERB
cblr-1739	339	8	social	social	ADJ
cblr-1739	339	9	-	-	PUNCT
cblr-1739	339	10	media	medium	NOUN
cblr-1739	339	11	hurdles	hurdle	NOUN
cblr-1739	339	12	,	,	PUNCT
cblr-1739	340	1	wall	wall	PROPN
cblr-1739	340	2	st	st	PROPN
cblr-1739	340	3	.	.	PROPN
cblr-1739	340	4	j.	j.	PROPN
cblr-1739	340	5	(	(	PUNCT
cblr-1739	340	6	jan	jan	PROPN
cblr-1739	340	7	.	.	PROPN
cblr-1739	340	8	8	8	NUM
cblr-1739	340	9	,	,	PUNCT
cblr-1739	340	10	2014	2014	NUM
cblr-1739	340	11	)	)	PUNCT
cblr-1739	340	12	,	,	PUNCT
cblr-1739	340	13	http://www.wsj.com/articles/sb1000142405270230	http://www.wsj.com/articles/sb1000142405270230	INTJ
cblr-1739	340	14	4773104579266423512930050	4773104579266423512930050	NUM
cblr-1739	341	1	[	[	X
cblr-1739	341	2	http://perma.cc/6h3w-y9h2	http://perma.cc/6h3w-y9h2	X
cblr-1739	341	3	]	]	X
cblr-1739	341	4	.	.	PUNCT
cblr-1739	342	1	95	95	NUM
cblr-1739	342	2	see	see	VERB
cblr-1739	342	3	about	about	ADP
cblr-1739	342	4	,	,	PUNCT
cblr-1739	342	5	neo	neo	NOUN
cblr-1739	342	6	,	,	PUNCT
cblr-1739	342	7	https://neoverify.com/about	https://neoverify.com/about	PUNCT
cblr-1739	343	1	[	[	X
cblr-1739	343	2	http://perma.cc/3zna3eyz	http://perma.cc/3zna3eyz	X
cblr-1739	343	3	]	]	X
cblr-1739	343	4	;	;	PUNCT
cblr-1739	343	5	see	see	VERB
cblr-1739	343	6	also	also	ADV
cblr-1739	343	7	martha	martha	PROPN
cblr-1739	343	8	c.	c.	PROPN
cblr-1739	343	9	white	white	PROPN
cblr-1739	343	10	,	,	PUNCT
cblr-1739	343	11	could	could	AUX
cblr-1739	343	12	being	be	AUX
cblr-1739	343	13	racist	racist	ADJ
cblr-1739	343	14	make	make	VERB
cblr-1739	343	15	it	it	PRON
cblr-1739	343	16	harder	hard	ADJ
cblr-1739	343	17	to	to	PART
cblr-1739	343	18	get	get	VERB
cblr-1739	343	19	a	a	DET
cblr-1739	343	20	loan	loan	NOUN
cblr-1739	343	21	?	?	PUNCT
cblr-1739	343	22	,	,	PUNCT
cblr-1739	343	23	time	time	NOUN
cblr-1739	343	24	(	(	PUNCT
cblr-1739	343	25	feb	feb	PROPN
cblr-1739	343	26	.	.	PROPN
cblr-1739	343	27	21	21	NUM
cblr-1739	343	28	,	,	PUNCT
cblr-1739	343	29	2013	2013	NUM
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cblr-1739	343	31	,	,	PUNCT
cblr-1739	343	32	http://business.time.com/2013/02/21/	http://business.time.com/2013/02/21/	ADJ
cblr-1739	343	33	could	could	AUX
cblr-1739	343	34	-	-	PUNCT
cblr-1739	343	35	being	being	NOUN
cblr-1739	343	36	-	-	PUNCT
cblr-1739	343	37	racist	racist	NOUN
cblr-1739	343	38	-	-	PUNCT
cblr-1739	343	39	make	make	VERB
cblr-1739	343	40	-	-	PUNCT
cblr-1739	343	41	it	it	PRON
cblr-1739	343	42	-	-	PUNCT
cblr-1739	343	43	harder	hard	ADJ
cblr-1739	343	44	-	-	PUNCT
cblr-1739	343	45	to	to	ADP
cblr-1739	343	46	-	-	PUNCT
cblr-1739	343	47	get	get	VERB
cblr-1739	343	48	-	-	PUNCT
cblr-1739	343	49	a	a	DET
cblr-1739	343	50	-	-	PUNCT
cblr-1739	343	51	loan/	loan/	NOUN
cblr-1739	343	52	[	[	X
cblr-1739	343	53	http://perma.cc/3py3cxs8	http://perma.cc/3py3cxs8	PROPN
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cblr-1739	343	55	.	.	PUNCT
cblr-1739	344	1	96	96	NUM
cblr-1739	344	2	see	see	VERB
cblr-1739	344	3	how	how	SCONJ
cblr-1739	344	4	it	it	PRON
cblr-1739	344	5	works	work	VERB
cblr-1739	344	6	,	,	PUNCT
cblr-1739	344	7	earnest	earnest	ADJ
cblr-1739	344	8	,	,	PUNCT
cblr-1739	344	9	https://www.meetearnest.com/	https://www.meetearnest.com/	NOUN
cblr-1739	345	1	[	[	X
cblr-1739	345	2	https://perma.cc/44ep-23tt	https://perma.cc/44ep-23tt	PROPN
cblr-1739	345	3	]	]	X
cblr-1739	345	4	;	;	PUNCT
cblr-1739	345	5	see	see	VERB
cblr-1739	345	6	also	also	ADV
cblr-1739	345	7	security	security	NOUN
cblr-1739	345	8	&	&	CCONJ
cblr-1739	345	9	privacy	privacy	NOUN
cblr-1739	345	10	,	,	PUNCT
cblr-1739	345	11	earnest	earnest	NOUN
cblr-1739	345	12	,	,	PUNCT
cblr-1739	345	13	https://www.meetearnest.com/privacy	https://www.meetearnest.com/privacy	PROPN
cblr-1739	346	1	[	[	X
cblr-1739	346	2	https://perma.cc/5rde-r4fg	https://perma.cc/5rde-r4fg	ADP
cblr-1739	346	3	]	]	X
cblr-1739	346	4	(	(	PUNCT
cblr-1739	346	5	“	"	PUNCT
cblr-1739	346	6	you	you	PRON
cblr-1739	346	7	can	can	AUX
cblr-1739	346	8	connect	connect	VERB
cblr-1739	346	9	your	your	PRON
cblr-1739	346	10	loan	loan	NOUN
cblr-1739	346	11	application	application	NOUN
cblr-1739	346	12	to	to	ADP
cblr-1739	346	13	your	your	PRON
cblr-1739	346	14	accounts	account	NOUN
cblr-1739	346	15	on	on	ADP
cblr-1739	346	16	third	third	ADJ
cblr-1739	346	17	-	-	PUNCT
cblr-1739	346	18	party	party	NOUN
cblr-1739	346	19	services	service	NOUN
cblr-1739	346	20	,	,	PUNCT
cblr-1739	346	21	like	like	ADP
cblr-1739	346	22	linkedin	linkedin	NOUN
cblr-1739	346	23	,	,	PUNCT
cblr-1739	346	24	in	in	ADP
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cblr-1739	346	26	case	case	NOUN
cblr-1739	346	27	we	we	PRON
cblr-1739	346	28	may	may	AUX
cblr-1739	346	29	collect	collect	VERB
cblr-1739	346	30	and	and	CCONJ
cblr-1739	346	31	store	store	VERB
cblr-1739	346	32	information	information	NOUN
cblr-1739	346	33	identifying	identify	VERB
cblr-1739	346	34	your	your	PRON
cblr-1739	346	35	account	account	NOUN
cblr-1739	346	36	with	with	ADP
cblr-1739	346	37	the	the	DET
cblr-1739	346	38	third	third	ADJ
cblr-1739	346	39	-	-	PUNCT
cblr-1739	346	40	party	party	NOUN
cblr-1739	346	41	service	service	NOUN
cblr-1739	346	42	.	.	PUNCT
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cblr-1739	347	3	use	use	VERB
cblr-1739	347	4	the	the	DET
cblr-1739	347	5	information	information	NOUN
cblr-1739	347	6	to	to	PART
cblr-1739	347	7	inform	inform	VERB
cblr-1739	347	8	your	your	PRON
cblr-1739	347	9	application	application	NOUN
cblr-1739	347	10	.	.	PUNCT
cblr-1739	348	1	when	when	SCONJ
cblr-1739	348	2	you	you	PRON
cblr-1739	348	3	connect	connect	VERB
cblr-1739	348	4	an	an	DET
cblr-1739	348	5	account	account	NOUN
cblr-1739	348	6	with	with	ADP
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cblr-1739	348	8	,	,	PUNCT
cblr-1739	348	9	you	you	PRON
cblr-1739	348	10	are	be	AUX
cblr-1739	348	11	requesting	request	VERB
cblr-1739	348	12	our	our	PRON
cblr-1739	348	13	third	third	ADJ
cblr-1739	348	14	-	-	PUNCT
cblr-1739	348	15	party	party	NOUN
cblr-1739	348	16	financial	financial	ADJ
cblr-1739	348	17	aggregator	aggregator	NOUN
cblr-1739	348	18	,	,	PUNCT
cblr-1739	348	19	intuit	intuit	NOUN
cblr-1739	348	20	,	,	PUNCT
cblr-1739	348	21	to	to	PART
cblr-1739	348	22	create	create	VERB
cblr-1739	348	23	a	a	DET
cblr-1739	348	24	new	new	ADJ
cblr-1739	348	25	‘	'	PUNCT
cblr-1739	348	26	token	token	NOUN
cblr-1739	348	27	’	'	PUNCT
cblr-1739	348	28	for	for	ADP
cblr-1739	348	29	earnest	earnest	ADJ
cblr-1739	348	30	.	.	PUNCT
cblr-1739	349	1	that	that	DET
cblr-1739	349	2	token	token	PROPN
cblr-1739	349	3	gives	give	VERB
cblr-1739	349	4	access	access	NOUN
cblr-1739	349	5	to	to	PART
cblr-1739	349	6	view	view	VERB
cblr-1739	349	7	account	account	NOUN
cblr-1739	349	8	information	information	NOUN
cblr-1739	349	9	without	without	ADP
cblr-1739	349	10	giving	give	VERB
cblr-1739	349	11	permissions	permission	NOUN
cblr-1739	349	12	to	to	PART
cblr-1739	349	13	perform	perform	VERB
cblr-1739	349	14	any	any	DET
cblr-1739	349	15	other	other	ADJ
cblr-1739	349	16	action	action	NOUN
cblr-1739	349	17	inside	inside	ADP
cblr-1739	349	18	that	that	DET
cblr-1739	349	19	account	account	NOUN
cblr-1739	349	20	.	.	PUNCT
cblr-1739	349	21	”	"	PUNCT
cblr-1739	349	22	)	)	PUNCT
cblr-1739	349	23	.	.	PUNCT
cblr-1739	350	1	97	97	NUM
cblr-1739	350	2	see	see	VERB
cblr-1739	350	3	what	what	PRON
cblr-1739	350	4	we	we	PRON
cblr-1739	350	5	do	do	VERB
cblr-1739	350	6	,	,	PUNCT
cblr-1739	350	7	kreditech	kreditech	NOUN
cblr-1739	350	8	,	,	PUNCT
cblr-1739	350	9	https://www.kreditech.com/what-wedo/	https://www.kreditech.com/what-wedo/	NOUN
cblr-1739	350	10	[	[	X
cblr-1739	350	11	http://perma.cc/6bdl-fctt	http://perma.cc/6bdl-fctt	X
cblr-1739	350	12	]	]	X
cblr-1739	350	13	(	(	PUNCT
cblr-1739	350	14	“	"	PUNCT
cblr-1739	350	15	100	100	NUM
cblr-1739	350	16	%	%	NOUN
cblr-1739	350	17	of	of	ADP
cblr-1739	350	18	smartphone	smartphone	NOUN
cblr-1739	350	19	or	or	CCONJ
cblr-1739	350	20	computer	computer	NOUN
cblr-1739	350	21	owners	owner	NOUN
cblr-1739	350	22	generate	generate	VERB
cblr-1739	350	23	data	datum	NOUN
cblr-1739	350	24	by	by	ADP
cblr-1739	350	25	anything	anything	PRON
cblr-1739	350	26	they	they	PRON
cblr-1739	350	27	do	do	VERB
cblr-1739	350	28	with	with	ADP
cblr-1739	350	29	that	that	DET
cblr-1739	350	30	device	device	NOUN
cblr-1739	350	31	(	(	PUNCT
cblr-1739	350	32	be	be	AUX
cblr-1739	350	33	it	it	PRON
cblr-1739	350	34	social	social	ADJ
cblr-1739	350	35	media	medium	NOUN
cblr-1739	350	36	,	,	PUNCT
cblr-1739	350	37	surfing	surfing	NOUN
cblr-1739	350	38	,	,	PUNCT
cblr-1739	350	39	ecommerce	ecommerce	NOUN
cblr-1739	350	40	purchases	purchase	NOUN
cblr-1739	350	41	,	,	PUNCT
cblr-1739	350	42	financial	financial	ADJ
cblr-1739	350	43	transactions	transaction	NOUN
cblr-1739	350	44	,	,	PUNCT
cblr-1739	350	45	etc	etc	X
cblr-1739	350	46	.	.	X
cblr-1739	350	47	)	)	PUNCT
cblr-1739	350	48	.	.	PUNCT
cblr-1739	351	1	our	our	PRON
cblr-1739	351	2	geslevich	geslevich	PROPN
cblr-1739	351	3	packin	packin	PROPN
cblr-1739	351	4	&	&	CCONJ
cblr-1739	351	5	lev	lev	PROPN
cblr-1739	351	6	-	-	PUNCT
cblr-1739	351	7	aretz	aretz	PROPN
cblr-1739	351	8	–	–	PUNCT
cblr-1739	351	9	final	final	ADJ
cblr-1739	351	10	no	no	NOUN
cblr-1739	351	11	.	.	PUNCT
cblr-1739	351	12	2:339	2:339	NUM
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cblr-1739	351	14	on	on	ADP
cblr-1739	351	15	social	social	ADJ
cblr-1739	351	16	credit	credit	NOUN
cblr-1739	351	17	363	363	NUM
cblr-1739	351	18	valley	valley	NOUN
cblr-1739	351	19	-	-	PUNCT
cblr-1739	351	20	based	base	VERB
cblr-1739	351	21	inventure	inventure	NOUN
cblr-1739	351	22	determines	determine	VERB
cblr-1739	351	23	loan	loan	NOUN
cblr-1739	351	24	-	-	PUNCT
cblr-1739	351	25	applicants	applicant	NOUN
cblr-1739	351	26	’	'	PUNCT
cblr-1739	351	27	creditworthiness	creditworthiness	NOUN
cblr-1739	351	28	based	base	VERB
cblr-1739	351	29	on	on	ADP
cblr-1739	351	30	information	information	NOUN
cblr-1739	351	31	extracted	extract	VERB
cblr-1739	351	32	from	from	ADP
cblr-1739	351	33	their	their	PRON
cblr-1739	351	34	smartphones	smartphone	NOUN
cblr-1739	351	35	,	,	PUNCT
cblr-1739	351	36	such	such	ADJ
cblr-1739	351	37	as	as	ADP
cblr-1739	351	38	the	the	DET
cblr-1739	351	39	content	content	NOUN
cblr-1739	351	40	of	of	ADP
cblr-1739	351	41	their	their	PRON
cblr-1739	351	42	text	text	NOUN
cblr-1739	351	43	messages	message	NOUN
cblr-1739	351	44	,	,	PUNCT
cblr-1739	351	45	emails	email	NOUN
cblr-1739	351	46	,	,	PUNCT
cblr-1739	351	47	facebook	facebook	NOUN
cblr-1739	351	48	or	or	CCONJ
cblr-1739	351	49	twitter	twitter	NOUN
cblr-1739	351	50	updates	update	NOUN
cblr-1739	351	51	and	and	CCONJ
cblr-1739	351	52	the	the	DET
cblr-1739	351	53	frequency	frequency	NOUN
cblr-1739	351	54	of	of	ADP
cblr-1739	351	55	calls	call	NOUN
cblr-1739	351	56	to	to	PART
cblr-1739	351	57	uncover	uncover	VERB
cblr-1739	351	58	behavior	behavior	NOUN
cblr-1739	351	59	that	that	PRON
cblr-1739	351	60	correlates	correlate	VERB
cblr-1739	351	61	with	with	ADP
cblr-1739	351	62	the	the	DET
cblr-1739	351	63	likelihood	likelihood	NOUN
cblr-1739	351	64	that	that	SCONJ
cblr-1739	351	65	a	a	DET
cblr-1739	351	66	borrower	borrower	NOUN
cblr-1739	351	67	will	will	AUX
cblr-1739	351	68	repay	repay	VERB
cblr-1739	351	69	or	or	CCONJ
cblr-1739	351	70	default	default	VERB
cblr-1739	351	71	on	on	ADP
cblr-1739	351	72	a	a	DET
cblr-1739	351	73	loan.98	loan.98	NOUN
cblr-1739	351	74	nigerian	nigerian	ADJ
cblr-1739	351	75	it	it	PRON
cblr-1739	351	76	company	company	NOUN
cblr-1739	351	77	bincom	bincom	PROPN
cblr-1739	351	78	developed	develop	VERB
cblr-1739	351	79	a	a	DET
cblr-1739	351	80	proprietary	proprietary	ADJ
cblr-1739	351	81	algorithm	algorithm	NOUN
cblr-1739	351	82	to	to	PART
cblr-1739	351	83	calculate	calculate	VERB
cblr-1739	351	84	the	the	DET
cblr-1739	351	85	social	social	ADJ
cblr-1739	351	86	reputation	reputation	NOUN
cblr-1739	351	87	score	score	NOUN
cblr-1739	351	88	of	of	ADP
cblr-1739	351	89	loan	loan	NOUN
cblr-1739	351	90	seekers	seeker	NOUN
cblr-1739	351	91	based	base	VERB
cblr-1739	351	92	primarily	primarily	ADV
cblr-1739	351	93	on	on	ADP
cblr-1739	351	94	the	the	DET
cblr-1739	351	95	social	social	ADJ
cblr-1739	351	96	information	information	NOUN
cblr-1739	351	97	available	available	ADJ
cblr-1739	351	98	about	about	ADP
cblr-1739	351	99	them	they	PRON
cblr-1739	351	100	and	and	CCONJ
cblr-1739	351	101	the	the	DET
cblr-1739	351	102	duration	duration	NOUN
cblr-1739	351	103	of	of	ADP
cblr-1739	351	104	their	their	PRON
cblr-1739	351	105	social	social	ADJ
cblr-1739	351	106	networking	networking	NOUN
cblr-1739	351	107	activity.99	activity.99	NOUN
cblr-1739	351	108	bincom	bincom	NOUN
cblr-1739	351	109	licenses	license	VERB
cblr-1739	351	110	their	their	PRON
cblr-1739	351	111	“	"	PUNCT
cblr-1739	351	112	social	social	ADJ
cblr-1739	351	113	lender	lender	NOUN
cblr-1739	351	114	”	"	PUNCT
cblr-1739	351	115	software	software	NOUN
cblr-1739	351	116	to	to	ADP
cblr-1739	351	117	nigerian	nigerian	ADJ
cblr-1739	351	118	banks	bank	NOUN
cblr-1739	351	119	in	in	ADP
cblr-1739	351	120	order	order	NOUN
cblr-1739	351	121	to	to	PART
cblr-1739	351	122	create	create	VERB
cblr-1739	351	123	a	a	DET
cblr-1739	351	124	community	community	NOUN
cblr-1739	351	125	where	where	SCONJ
cblr-1739	351	126	users	user	NOUN
cblr-1739	351	127	can	can	AUX
cblr-1739	351	128	access	access	VERB
cblr-1739	351	129	soft	soft	ADJ
cblr-1739	351	130	loans	loan	NOUN
cblr-1739	351	131	based	base	VERB
cblr-1739	351	132	on	on	ADP
cblr-1739	351	133	their	their	PRON
cblr-1739	351	134	social	social	ADJ
cblr-1739	351	135	reputation.100	reputation.100	NOUN
cblr-1739	351	136	further	far	ADV
cblr-1739	351	137	indicating	indicate	VERB
cblr-1739	351	138	the	the	DET
cblr-1739	351	139	value	value	NOUN
cblr-1739	351	140	of	of	ADP
cblr-1739	351	141	social	social	ADJ
cblr-1739	351	142	information	information	NOUN
cblr-1739	351	143	for	for	ADP
cblr-1739	351	144	creditors	creditor	NOUN
cblr-1739	351	145	,	,	PUNCT
cblr-1739	351	146	facebook	facebook	PROPN
cblr-1739	351	147	recently	recently	ADV
cblr-1739	351	148	secured	secure	VERB
cblr-1739	351	149	a	a	DET
cblr-1739	351	150	patent	patent	NOUN
cblr-1739	351	151	for	for	SCONJ
cblr-1739	351	152	technology	technology	NOUN
cblr-1739	351	153	to	to	PART
cblr-1739	351	154	approve	approve	VERB
cblr-1739	351	155	a	a	DET
cblr-1739	351	156	loan	loan	NOUN
cblr-1739	351	157	based	base	VERB
cblr-1739	351	158	on	on	ADP
cblr-1739	351	159	a	a	DET
cblr-1739	351	160	user	user	NOUN
cblr-1739	351	161	’s	’s	PART
cblr-1739	351	162	social	social	ADJ
cblr-1739	351	163	connections.101	connections.101	PROPN
cblr-1739	351	164	the	the	DET
cblr-1739	351	165	patent	patent	NOUN
cblr-1739	351	166	document	document	NOUN
cblr-1739	351	167	explains	explain	VERB
cblr-1739	351	168	the	the	DET
cblr-1739	351	169	process	process	NOUN
cblr-1739	351	170	:	:	PUNCT
cblr-1739	351	171	when	when	SCONJ
cblr-1739	351	172	an	an	DET
cblr-1739	351	173	individual	individual	NOUN
cblr-1739	351	174	applies	apply	VERB
cblr-1739	351	175	for	for	ADP
cblr-1739	351	176	a	a	DET
cblr-1739	351	177	loan	loan	NOUN
cblr-1739	351	178	,	,	PUNCT
cblr-1739	351	179	the	the	DET
cblr-1739	351	180	lender	lender	NOUN
cblr-1739	351	181	examines	examine	VERB
cblr-1739	351	182	the	the	DET
cblr-1739	351	183	credit	credit	NOUN
cblr-1739	351	184	ratings	rating	NOUN
cblr-1739	351	185	of	of	ADP
cblr-1739	351	186	members	member	NOUN
cblr-1739	351	187	of	of	ADP
cblr-1739	351	188	the	the	DET
cblr-1739	351	189	individual	individual	NOUN
cblr-1739	351	190	’s	’s	PART
cblr-1739	351	191	social	social	ADJ
cblr-1739	351	192	network	network	NOUN
cblr-1739	351	193	who	who	PRON
cblr-1739	351	194	are	be	AUX
cblr-1739	351	195	connected	connect	VERB
cblr-1739	351	196	to	to	ADP
cblr-1739	351	197	the	the	DET
cblr-1739	351	198	individual	individual	NOUN
cblr-1739	351	199	through	through	ADP
cblr-1739	351	200	authorized	authorize	VERB
cblr-1739	351	201	nodes	node	NOUN
cblr-1739	351	202	.	.	PUNCT
cblr-1739	352	1	if	if	SCONJ
cblr-1739	352	2	the	the	DET
cblr-1739	352	3	average	average	ADJ
cblr-1739	352	4	credit	credit	NOUN
cblr-1739	352	5	rating	rating	NOUN
cblr-1739	352	6	of	of	ADP
cblr-1739	352	7	these	these	DET
cblr-1739	352	8	members	member	NOUN
cblr-1739	352	9	is	be	AUX
cblr-1739	352	10	at	at	ADP
cblr-1739	352	11	least	least	ADJ
cblr-1739	352	12	a	a	DET
cblr-1739	352	13	minimum	minimum	ADJ
cblr-1739	352	14	credit	credit	NOUN
cblr-1739	352	15	score	score	NOUN
cblr-1739	352	16	,	,	PUNCT
cblr-1739	352	17	the	the	DET
cblr-1739	352	18	lender	lender	NOUN
cblr-1739	352	19	continues	continue	VERB
cblr-1739	352	20	to	to	PART
cblr-1739	352	21	process	process	VERB
cblr-1739	352	22	the	the	DET
cblr-1739	352	23	loan	loan	NOUN
cblr-1739	352	24	application	application	NOUN
cblr-1739	352	25	.	.	PUNCT
cblr-1739	353	1	otherwise	otherwise	ADV
cblr-1739	353	2	,	,	PUNCT
cblr-1739	353	3	the	the	DET
cblr-1739	353	4	loan	loan	NOUN
cblr-1739	353	5	application	application	NOUN
cblr-1739	353	6	is	be	AUX
cblr-1739	353	7	rejected.102	rejected.102	PRON
cblr-1739	353	8	proprietary	proprietary	ADJ
cblr-1739	353	9	algorithm	algorithm	NOUN
cblr-1739	353	10	factors	factor	NOUN
cblr-1739	353	11	in	in	ADP
cblr-1739	353	12	20,000	20,000	NUM
cblr-1739	353	13	data	datum	NOUN
cblr-1739	353	14	points	point	NOUN
cblr-1739	353	15	,	,	PUNCT
cblr-1739	353	16	which	which	PRON
cblr-1739	353	17	are	be	AUX
cblr-1739	353	18	constantly	constantly	ADV
cblr-1739	353	19	changing	change	VERB
cblr-1739	353	20	based	base	VERB
cblr-1739	353	21	on	on	ADP
cblr-1739	353	22	newly	newly	ADV
cblr-1739	353	23	identified	identify	VERB
cblr-1739	353	24	patterns	pattern	NOUN
cblr-1739	353	25	.	.	PUNCT
cblr-1739	353	26	”	"	PUNCT
cblr-1739	353	27	)	)	PUNCT
cblr-1739	353	28	.	.	PUNCT
cblr-1739	354	1	98	98	NUM
cblr-1739	354	2	lee	lee	PROPN
cblr-1739	354	3	mwiti	mwiti	PROPN
cblr-1739	354	4	,	,	PUNCT
cblr-1739	354	5	why	why	SCONJ
cblr-1739	354	6	that	that	DET
cblr-1739	354	7	facebook	facebook	PROPN
cblr-1739	354	8	post	post	NOUN
cblr-1739	354	9	may	may	AUX
cblr-1739	354	10	give	give	VERB
cblr-1739	354	11	or	or	CCONJ
cblr-1739	354	12	deny	deny	VERB
cblr-1739	354	13	you	you	PRON
cblr-1739	354	14	a	a	DET
cblr-1739	354	15	loan	loan	NOUN
cblr-1739	354	16	,	,	PUNCT
cblr-1739	354	17	standard	standard	ADJ
cblr-1739	354	18	digital	digital	PROPN
cblr-1739	354	19	(	(	PUNCT
cblr-1739	354	20	feb	feb	PROPN
cblr-1739	354	21	.	.	PROPN
cblr-1739	354	22	14	14	NUM
cblr-1739	354	23	,	,	PUNCT
cblr-1739	354	24	2016	2016	NUM
cblr-1739	354	25	)	)	PUNCT
cblr-1739	354	26	,	,	PUNCT
cblr-1739	354	27	http://www.standardmedia.co.ke/	http://www.standardmedia.co.ke/	PUNCT
cblr-1739	354	28	business	business	NOUN
cblr-1739	354	29	/	/	SYM
cblr-1739	354	30	article/2000191608	article/2000191608	ADJ
cblr-1739	354	31	/	/	SYM
cblr-1739	354	32	why	why	SCONJ
cblr-1739	354	33	-	-	PUNCT
cblr-1739	354	34	that	that	DET
cblr-1739	354	35	-	-	PUNCT
cblr-1739	354	36	facebook	facebook	NOUN
cblr-1739	354	37	-	-	PUNCT
cblr-1739	354	38	post	post	NOUN
cblr-1739	354	39	-	-	ADJ
cblr-1739	354	40	may	may	ADV
cblr-1739	354	41	-	-	PUNCT
cblr-1739	354	42	give	give	VERB
cblr-1739	354	43	-	-	PUNCT
cblr-1739	354	44	or	or	CCONJ
cblr-1739	354	45	-	-	PUNCT
cblr-1739	354	46	denyyou	denyyou	VERB
cblr-1739	354	47	-	-	PUNCT
cblr-1739	354	48	a	a	DET
cblr-1739	354	49	-	-	PUNCT
cblr-1739	354	50	loan	loan	NOUN
cblr-1739	354	51	[	[	X
cblr-1739	354	52	http://perma.cc/824r-8cbm	http://perma.cc/824r-8cbm	PROPN
cblr-1739	354	53	]	]	NOUN
cblr-1739	354	54	.	.	PUNCT
cblr-1739	355	1	99	99	NUM
cblr-1739	355	2	gbenga	gbenga	PROPN
cblr-1739	355	3	onalaja	onalaja	PROPN
cblr-1739	355	4	,	,	PUNCT
cblr-1739	355	5	have	have	AUX
cblr-1739	355	6	you	you	PRON
cblr-1739	355	7	been	be	AUX
cblr-1739	355	8	good	good	ADJ
cblr-1739	355	9	?	?	PUNCT
cblr-1739	356	1	social	social	ADJ
cblr-1739	356	2	lender	lender	NOUN
cblr-1739	356	3	gives	give	VERB
cblr-1739	356	4	you	you	PRON
cblr-1739	356	5	loans	loan	NOUN
cblr-1739	356	6	based	base	VERB
cblr-1739	356	7	on	on	ADP
cblr-1739	356	8	your	your	PRON
cblr-1739	356	9	social	social	ADJ
cblr-1739	356	10	media	medium	NOUN
cblr-1739	356	11	rep	rep	PROPN
cblr-1739	356	12	,	,	PUNCT
cblr-1739	356	13	techcabal	techcabal	PROPN
cblr-1739	356	14	(	(	PUNCT
cblr-1739	356	15	dec	dec	PROPN
cblr-1739	356	16	.	.	PROPN
cblr-1739	356	17	17	17	NUM
cblr-1739	356	18	,	,	PUNCT
cblr-1739	356	19	2015	2015	NUM
cblr-1739	356	20	)	)	PUNCT
cblr-1739	356	21	,	,	PUNCT
cblr-1739	356	22	http://techcabal.com/2015/12/17/have-you-been-good-social-lender-givesyou-a-loan-based-on-your-social-media-rep/	http://techcabal.com/2015/12/17/have-you-been-good-social-lender-givesyou-a-loan-based-on-your-social-media-rep/	NOUN
cblr-1739	357	1	[	[	X
cblr-1739	357	2	http://perma.cc/687p-ymb3	http://perma.cc/687p-ymb3	X
cblr-1739	357	3	]	]	X
cblr-1739	357	4	.	.	PUNCT
cblr-1739	358	1	100	100	NUM
cblr-1739	359	1	i	i	PRON
cblr-1739	359	2	d.	d.	PROPN
cblr-1739	359	3	101	101	NUM
cblr-1739	359	4	u.s	u.s	PROPN
cblr-1739	359	5	.	.	PROPN
cblr-1739	359	6	patent	patent	NOUN
cblr-1739	359	7	no	no	PROPN
cblr-1739	359	8	.	.	NOUN
cblr-1739	360	1	9,100,400	9,100,400	NUM
cblr-1739	360	2	(	(	PUNCT
cblr-1739	360	3	filed	file	VERB
cblr-1739	360	4	aug	aug	PROPN
cblr-1739	360	5	.	.	PROPN
cblr-1739	360	6	4	4	NUM
cblr-1739	360	7	,	,	PUNCT
cblr-1739	360	8	2015	2015	NUM
cblr-1739	360	9	)	)	PUNCT
cblr-1739	360	10	.	.	PUNCT
cblr-1739	361	1	102	102	NUM
cblr-1739	361	2	i	i	PROPN
cblr-1739	361	3	d.	d.	PROPN
cblr-1739	361	4	geslevich	geslevich	PROPN
cblr-1739	361	5	packin	packin	PROPN
cblr-1739	361	6	&	&	CCONJ
cblr-1739	361	7	lev	lev	PROPN
cblr-1739	361	8	-	-	PUNCT
cblr-1739	361	9	aretz	aretz	PROPN
cblr-1739	361	10	–	–	PUNCT
cblr-1739	361	11	final	final	ADJ
cblr-1739	361	12	364	364	NUM
cblr-1739	361	13	columbia	columbia	PROPN
cblr-1739	361	14	business	business	NOUN
cblr-1739	361	15	law	law	PROPN
cblr-1739	361	16	review	review	NOUN
cblr-1739	361	17	[	[	X
cblr-1739	361	18	vol	vol	NOUN
cblr-1739	361	19	.	.	NOUN
cblr-1739	361	20	2016	2016	NUM
cblr-1739	361	21	even	even	ADV
cblr-1739	361	22	the	the	DET
cblr-1739	361	23	most	most	ADV
cblr-1739	361	24	dominant	dominant	ADJ
cblr-1739	361	25	provider	provider	NOUN
cblr-1739	361	26	of	of	ADP
cblr-1739	361	27	credit	credit	NOUN
cblr-1739	361	28	scoring	scoring	NOUN
cblr-1739	361	29	models	model	NOUN
cblr-1739	361	30	,	,	PUNCT
cblr-1739	361	31	fico	fico	PROPN
cblr-1739	361	32	,	,	PUNCT
cblr-1739	361	33	recently	recently	ADV
cblr-1739	361	34	announced	announce	VERB
cblr-1739	361	35	it	it	PRON
cblr-1739	361	36	is	be	AUX
cblr-1739	361	37	increasingly	increasingly	ADV
cblr-1739	361	38	valuing	value	VERB
cblr-1739	361	39	data	datum	NOUN
cblr-1739	361	40	at	at	ADP
cblr-1739	361	41	different	different	ADJ
cblr-1739	361	42	levels	level	NOUN
cblr-1739	361	43	,	,	PUNCT
cblr-1739	361	44	treating	treat	VERB
cblr-1739	361	45	credit	credit	NOUN
cblr-1739	361	46	card	card	NOUN
cblr-1739	361	47	repayment	repayment	NOUN
cblr-1739	361	48	history	history	NOUN
cblr-1739	361	49	as	as	ADP
cblr-1739	361	50	the	the	DET
cblr-1739	361	51	most	most	ADV
cblr-1739	361	52	reliable	reliable	ADJ
cblr-1739	361	53	indicator	indicator	NOUN
cblr-1739	361	54	of	of	ADP
cblr-1739	361	55	creditworthiness	creditworthiness	PROPN
cblr-1739	361	56	and	and	CCONJ
cblr-1739	361	57	,	,	PUNCT
cblr-1739	361	58	far	far	ADV
cblr-1739	361	59	behind	behind	ADP
cblr-1739	361	60	it	it	PRON
cblr-1739	361	61	but	but	CCONJ
cblr-1739	361	62	still	still	ADV
cblr-1739	361	63	part	part	NOUN
cblr-1739	361	64	of	of	ADP
cblr-1739	361	65	the	the	DET
cblr-1739	361	66	spectrum	spectrum	NOUN
cblr-1739	361	67	,	,	PUNCT
cblr-1739	361	68	examining	examine	VERB
cblr-1739	361	69	information	information	NOUN
cblr-1739	361	70	volunteered	volunteer	VERB
cblr-1739	361	71	on	on	ADP
cblr-1739	361	72	social	social	ADJ
cblr-1739	361	73	media	medium	NOUN
cblr-1739	361	74	platforms.103	platforms.103	NOUN
cblr-1739	361	75	according	accord	VERB
cblr-1739	361	76	to	to	ADP
cblr-1739	361	77	fico	fico	PROPN
cblr-1739	361	78	’s	’s	PART
cblr-1739	361	79	chief	chief	ADJ
cblr-1739	361	80	executive	executive	NOUN
cblr-1739	361	81	,	,	PUNCT
cblr-1739	361	82	the	the	DET
cblr-1739	361	83	number	number	NOUN
cblr-1739	361	84	of	of	ADP
cblr-1739	361	85	times	time	NOUN
cblr-1739	361	86	a	a	DET
cblr-1739	361	87	person	person	NOUN
cblr-1739	361	88	uses	use	VERB
cblr-1739	361	89	the	the	DET
cblr-1739	361	90	word	word	NOUN
cblr-1739	361	91	“	"	PUNCT
cblr-1739	361	92	wasted	waste	VERB
cblr-1739	361	93	”	"	PUNCT
cblr-1739	361	94	in	in	ADP
cblr-1739	361	95	her	her	PRON
cblr-1739	361	96	profile	profile	NOUN
cblr-1739	361	97	has	have	VERB
cblr-1739	361	98	some	some	DET
cblr-1739	361	99	predictive	predictive	ADJ
cblr-1739	361	100	value	value	NOUN
cblr-1739	361	101	—	—	PUNCT
cblr-1739	361	102	not	not	PART
cblr-1739	361	103	determinative	determinative	ADJ
cblr-1739	361	104	,	,	PUNCT
cblr-1739	361	105	but	but	CCONJ
cblr-1739	361	106	more	more	ADJ
cblr-1739	361	107	than	than	ADP
cblr-1739	361	108	zero	zero	NUM
cblr-1739	361	109	—	—	PUNCT
cblr-1739	361	110	for	for	ADP
cblr-1739	361	111	her	her	PRON
cblr-1739	361	112	loan	loan	NOUN
cblr-1739	361	113	repayment	repayment	NOUN
cblr-1739	361	114	behavior.104	behavior.104	NOUN
cblr-1739	361	115	lenders	lender	NOUN
cblr-1739	361	116	also	also	ADV
cblr-1739	361	117	evaluate	evaluate	VERB
cblr-1739	361	118	social	social	ADJ
cblr-1739	361	119	media	medium	NOUN
cblr-1739	361	120	presence	presence	NOUN
cblr-1739	361	121	when	when	SCONJ
cblr-1739	361	122	making	make	VERB
cblr-1739	361	123	business	business	NOUN
cblr-1739	361	124	loans	loan	NOUN
cblr-1739	361	125	.	.	PUNCT
cblr-1739	362	1	lighter	light	ADJ
cblr-1739	362	2	capital,105	capital,105	PROPN
cblr-1739	362	3	an	an	DET
cblr-1739	362	4	online	online	ADJ
cblr-1739	362	5	revenue	revenue	NOUN
cblr-1739	362	6	lender	lender	NOUN
cblr-1739	362	7	for	for	ADP
cblr-1739	362	8	technology	technology	NOUN
cblr-1739	362	9	companies	company	NOUN
cblr-1739	362	10	,	,	PUNCT
cblr-1739	362	11	integrates	integrate	VERB
cblr-1739	362	12	social	social	ADJ
cblr-1739	362	13	media	medium	NOUN
cblr-1739	362	14	data	datum	NOUN
cblr-1739	362	15	,	,	PUNCT
cblr-1739	362	16	including	include	VERB
cblr-1739	362	17	a	a	DET
cblr-1739	362	18	business	business	NOUN
cblr-1739	362	19	’	'	PUNCT
cblr-1739	362	20	linkedin	linkedin	NOUN
cblr-1739	362	21	page	page	NOUN
cblr-1739	362	22	and	and	CCONJ
cblr-1739	362	23	consumer	consumer	NOUN
cblr-1739	362	24	feedback	feedback	NOUN
cblr-1739	362	25	,	,	PUNCT
cblr-1739	362	26	into	into	ADP
cblr-1739	362	27	its	its	PRON
cblr-1739	362	28	underwriting	underwriting	NOUN
cblr-1739	362	29	algorithm.106	algorithm.106	NOUN
cblr-1739	362	30	in	in	ADP
cblr-1739	362	31	addition	addition	NOUN
cblr-1739	362	32	,	,	PUNCT
cblr-1739	362	33	small	small	ADJ
cblr-1739	362	34	businesses	business	NOUN
cblr-1739	362	35	creditor	creditor	NOUN
cblr-1739	362	36	kabbage	kabbage	NOUN
cblr-1739	362	37	factors	factor	VERB
cblr-1739	362	38	real	real	ADJ
cblr-1739	362	39	-	-	PUNCT
cblr-1739	362	40	time	time	NOUN
cblr-1739	362	41	information	information	NOUN
cblr-1739	362	42	from	from	ADP
cblr-1739	362	43	bank	bank	NOUN
cblr-1739	362	44	accounts	account	NOUN
cblr-1739	362	45	,	,	PUNCT
cblr-1739	362	46	social	social	ADJ
cblr-1739	362	47	networks	network	NOUN
cblr-1739	362	48	,	,	PUNCT
cblr-1739	362	49	and	and	CCONJ
cblr-1739	362	50	web	web	NOUN
cblr-1739	362	51	analytical	analytical	ADJ
cblr-1739	362	52	services	service	NOUN
cblr-1739	362	53	into	into	ADP
cblr-1739	362	54	its	its	PRON
cblr-1739	362	55	risk	risk	NOUN
cblr-1739	362	56	analysis.107	analysis.107	ADP
cblr-1739	362	57	credit	credit	NOUN
cblr-1739	362	58	reporting	reporting	NOUN
cblr-1739	362	59	agency	agency	NOUN
cblr-1739	362	60	experian	experian	NOUN
cblr-1739	362	61	is	be	AUX
cblr-1739	362	62	working	work	VERB
cblr-1739	362	63	on	on	ADP
cblr-1739	362	64	a	a	DET
cblr-1739	362	65	business	business	NOUN
cblr-1739	362	66	loan	loan	NOUN
cblr-1739	362	67	program	program	NOUN
cblr-1739	362	68	that	that	PRON
cblr-1739	362	69	incorporates	incorporate	VERB
cblr-1739	362	70	data	datum	NOUN
cblr-1739	362	71	from	from	ADP
cblr-1739	362	72	yelp	yelp	NOUN
cblr-1739	362	73	,	,	PUNCT
cblr-1739	362	74	facebook	facebook	NOUN
cblr-1739	362	75	,	,	PUNCT
cblr-1739	362	76	twitter	twitter	NOUN
cblr-1739	362	77	,	,	PUNCT
cblr-1739	362	78	and	and	CCONJ
cblr-1739	362	79	foursquare	foursquare	VERB
cblr-1739	362	80	to	to	PART
cblr-1739	362	81	compare	compare	VERB
cblr-1739	362	82	a	a	DET
cblr-1739	362	83	business	business	NOUN
cblr-1739	362	84	with	with	ADP
cblr-1739	362	85	others	other	NOUN
cblr-1739	362	86	of	of	ADP
cblr-1739	362	87	the	the	DET
cblr-1739	362	88	same	same	ADJ
cblr-1739	362	89	103	103	NUM
cblr-1739	362	90	see	see	NOUN
cblr-1739	362	91	mclannahan	mclannahan	PROPN
cblr-1739	362	92	,	,	PUNCT
cblr-1739	362	93	supra	supra	PROPN
cblr-1739	362	94	note	note	NOUN
cblr-1739	362	95	15	15	NUM
cblr-1739	362	96	.	.	PUNCT
cblr-1739	363	1	104	104	NUM
cblr-1739	364	1	i	i	PRON
cblr-1739	364	2	d.	d.	PROPN
cblr-1739	364	3	105	105	NUM
cblr-1739	364	4	see	see	VERB
cblr-1739	364	5	what	what	PRON
cblr-1739	364	6	’s	’	VERB
cblr-1739	364	7	a	a	DET
cblr-1739	364	8	revenueloan	revenueloan	NOUN
cblr-1739	364	9	®	®	NOUN
cblr-1739	364	10	?	?	PROPN
cblr-1739	364	11	,	,	PUNCT
cblr-1739	364	12	lighter	light	ADJ
cblr-1739	364	13	capital	capital	NOUN
cblr-1739	364	14	,	,	PUNCT
cblr-1739	364	15	https://www.lighter	https://www.lighter	NOUN
cblr-1739	364	16	capital.com/how-it-works/overview/	capital.com/how-it-works/overview/	PROPN
cblr-1739	365	1	[	[	X
cblr-1739	365	2	http://perma.cc/n96g-trag	http://perma.cc/n96g-trag	PROPN
cblr-1739	365	3	]	]	X
cblr-1739	365	4	.	.	PUNCT
cblr-1739	366	1	106	106	NUM
cblr-1739	366	2	penny	penny	NOUN
cblr-1739	366	3	crosman	crosman	NOUN
cblr-1739	367	1	,	,	PUNCT
cblr-1739	367	2	business	business	NOUN
cblr-1739	367	3	lender	lender	NOUN
cblr-1739	367	4	finds	find	VERB
cblr-1739	367	5	trove	trove	NOUN
cblr-1739	367	6	of	of	ADP
cblr-1739	367	7	insights	insight	NOUN
cblr-1739	367	8	in	in	ADP
cblr-1739	367	9	client	client	PROPN
cblr-1739	367	10	crm	crm	PROPN
cblr-1739	367	11	data	data	PROPN
cblr-1739	367	12	,	,	PUNCT
cblr-1739	367	13	am	be	AUX
cblr-1739	367	14	.	.	PUNCT
cblr-1739	367	15	banker	banker	PROPN
cblr-1739	367	16	(	(	PUNCT
cblr-1739	367	17	sept	sept	PROPN
cblr-1739	367	18	.	.	PROPN
cblr-1739	367	19	10	10	NUM
cblr-1739	367	20	,	,	PUNCT
cblr-1739	367	21	2013	2013	NUM
cblr-1739	367	22	)	)	PUNCT
cblr-1739	367	23	,	,	PUNCT
cblr-1739	367	24	http://www.american	http://www.american	PROPN
cblr-1739	367	25	banker.com/issues/178_175/business-lender-finds-trove-of-insights-inclient-crm-data-1061933-1.html	banker.com/issues/178_175/business-lender-finds-trove-of-insights-inclient-crm-data-1061933-1.html	VERB
cblr-1739	368	1	[	[	X
cblr-1739	368	2	http://perma.cc/ug3p-pfrs	http://perma.cc/ug3p-pfrs	X
cblr-1739	368	3	]	]	PUNCT
cblr-1739	368	4	.	.	PUNCT
cblr-1739	369	1	107	107	NUM
cblr-1739	369	2	see	see	VERB
cblr-1739	369	3	kabbage	kabbage	NOUN
cblr-1739	369	4	,	,	PUNCT
cblr-1739	369	5	https://www.kabbage.com/	https://www.kabbage.com/	NOUN
cblr-1739	370	1	[	[	X
cblr-1739	370	2	http://perma.cc/t8xmtyzl	http://perma.cc/t8xmtyzl	X
cblr-1739	370	3	]	]	PUNCT
cblr-1739	370	4	;	;	PUNCT
cblr-1739	370	5	see	see	VERB
cblr-1739	370	6	also	also	ADV
cblr-1739	370	7	darren	darren	PROPN
cblr-1739	370	8	dahl	dahl	PROPN
cblr-1739	370	9	,	,	PUNCT
cblr-1739	370	10	the	the	DET
cblr-1739	370	11	six	six	NUM
cblr-1739	370	12	-	-	PUNCT
cblr-1739	370	13	minute	minute	NOUN
cblr-1739	370	14	loan	loan	NOUN
cblr-1739	370	15	:	:	PUNCT
cblr-1739	370	16	how	how	SCONJ
cblr-1739	370	17	kabbage	kabbage	NOUN
cblr-1739	370	18	is	be	AUX
cblr-1739	370	19	upending	upend	VERB
cblr-1739	370	20	small	small	ADJ
cblr-1739	370	21	business	business	NOUN
cblr-1739	370	22	lending	lending	NOUN
cblr-1739	370	23	—	—	PUNCT
cblr-1739	370	24	and	and	CCONJ
cblr-1739	370	25	building	build	VERB
cblr-1739	370	26	a	a	DET
cblr-1739	370	27	very	very	ADV
cblr-1739	370	28	big	big	ADJ
cblr-1739	370	29	business	business	NOUN
cblr-1739	370	30	,	,	PUNCT
cblr-1739	370	31	forbes	forbes	X
cblr-1739	370	32	(	(	PUNCT
cblr-1739	370	33	may	may	PROPN
cblr-1739	370	34	6	6	NUM
cblr-1739	370	35	,	,	PUNCT
cblr-1739	370	36	2015	2015	NUM
cblr-1739	370	37	)	)	PUNCT
cblr-1739	370	38	,	,	PUNCT
cblr-1739	370	39	http://www.forbes.com/sites/darrendahl/2015/05/	http://www.forbes.com/sites/darrendahl/2015/05/	PROPN
cblr-1739	370	40	06	06	NUM
cblr-1739	370	41	/	/	SYM
cblr-1739	370	42	the	the	DET
cblr-1739	370	43	-	-	PUNCT
cblr-1739	370	44	six	six	NUM
cblr-1739	370	45	-	-	PUNCT
cblr-1739	370	46	minute	minute	NOUN
cblr-1739	370	47	-	-	PUNCT
cblr-1739	370	48	loan	loan	NOUN
cblr-1739	370	49	-	-	PUNCT
cblr-1739	370	50	how	how	NOUN
cblr-1739	370	51	-	-	PUNCT
cblr-1739	370	52	kabbage	kabbage	NOUN
cblr-1739	370	53	-	-	PUNCT
cblr-1739	370	54	is	be	AUX
cblr-1739	370	55	-	-	PUNCT
cblr-1739	370	56	upending	upending	ADJ
cblr-1739	370	57	-	-	PUNCT
cblr-1739	370	58	small	small	ADJ
cblr-1739	370	59	-	-	PUNCT
cblr-1739	370	60	business	business	NOUN
cblr-1739	370	61	-	-	PUNCT
cblr-1739	370	62	lendingand	lendingand	NOUN
cblr-1739	370	63	-	-	PUNCT
cblr-1739	370	64	building	building	NOUN
cblr-1739	370	65	-	-	PUNCT
cblr-1739	370	66	a	a	DET
cblr-1739	370	67	-	-	PUNCT
cblr-1739	370	68	very	very	ADV
cblr-1739	370	69	-	-	PUNCT
cblr-1739	370	70	big	big	ADJ
cblr-1739	370	71	-	-	PUNCT
cblr-1739	370	72	business/	business/	NUM
cblr-1739	370	73	[	[	X
cblr-1739	370	74	http://perma.cc/wn4d-ufjn	http://perma.cc/wn4d-ufjn	X
cblr-1739	370	75	]	]	X
cblr-1739	370	76	;	;	PUNCT
cblr-1739	370	77	letter	letter	NOUN
cblr-1739	370	78	from	from	ADP
cblr-1739	370	79	rob	rob	PROPN
cblr-1739	370	80	frohein	frohein	PROPN
cblr-1739	370	81	,	,	PUNCT
cblr-1739	370	82	ceo	ceo	NOUN
cblr-1739	370	83	of	of	ADP
cblr-1739	370	84	kabbage	kabbage	PROPN
cblr-1739	370	85	,	,	PUNCT
cblr-1739	370	86	inc	inc	PROPN
cblr-1739	370	87	.	.	PROPN
cblr-1739	370	88	,	,	PUNCT
cblr-1739	370	89	and	and	CCONJ
cblr-1739	370	90	kathryn	kathryn	PROPN
cblr-1739	370	91	petralia	petralia	PROPN
cblr-1739	370	92	,	,	PUNCT
cblr-1739	370	93	coo	coo	NOUN
cblr-1739	370	94	of	of	ADP
cblr-1739	370	95	kabbage	kabbage	PROPN
cblr-1739	370	96	,	,	PUNCT
cblr-1739	370	97	inc	inc	PROPN
cblr-1739	370	98	.	.	PROPN
cblr-1739	370	99	,	,	PUNCT
cblr-1739	370	100	to	to	ADP
cblr-1739	370	101	laura	laura	PROPN
cblr-1739	370	102	temel	temel	PROPN
cblr-1739	370	103	,	,	PUNCT
cblr-1739	370	104	u.s	u.s	PROPN
cblr-1739	370	105	.	.	PROPN
cblr-1739	370	106	dept	dept	PROPN
cblr-1739	370	107	.	.	PROPN
cblr-1739	371	1	of	of	ADP
cblr-1739	371	2	the	the	DET
cblr-1739	371	3	treasury	treasury	NOUN
cblr-1739	371	4	,	,	PUNCT
cblr-1739	371	5	re	re	ADP
cblr-1739	371	6	:	:	PUNCT
cblr-1739	371	7	marketplace	marketplace	NOUN
cblr-1739	371	8	lending	lending	NOUN
cblr-1739	371	9	rfi	rfi	NOUN
cblr-1739	371	10	(	(	PUNCT
cblr-1739	371	11	sept	sept	PROPN
cblr-1739	371	12	.	.	PROPN
cblr-1739	371	13	30	30	NUM
cblr-1739	371	14	,	,	PUNCT
cblr-1739	371	15	2015	2015	NUM
cblr-1739	371	16	)	)	PUNCT
cblr-1739	371	17	,	,	PUNCT
cblr-1739	371	18	http://src.bna.com/sg	http://src.bna.com/sg	X
cblr-1739	372	1	[	[	X
cblr-1739	372	2	http://	http://	PROPN
cblr-1739	372	3	perma.cc/s82e-x6va	perma.cc/s82e-x6va	X
cblr-1739	372	4	]	]	PUNCT
cblr-1739	372	5	.	.	PUNCT
cblr-1739	373	1	geslevich	geslevich	PROPN
cblr-1739	373	2	packin	packin	PROPN
cblr-1739	373	3	&	&	CCONJ
cblr-1739	373	4	lev	lev	PROPN
cblr-1739	373	5	-	-	PUNCT
cblr-1739	373	6	aretz	aretz	PROPN
cblr-1739	373	7	–	–	PUNCT
cblr-1739	373	8	final	final	ADJ
cblr-1739	373	9	no	no	NOUN
cblr-1739	373	10	.	.	PUNCT
cblr-1739	374	1	2:339	2:339	NUM
cblr-1739	374	2	]	]	X
cblr-1739	374	3	on	on	ADP
cblr-1739	374	4	social	social	ADJ
cblr-1739	374	5	credit	credit	NOUN
cblr-1739	374	6	365	365	NUM
cblr-1739	374	7	type.108	type.108	PROPN
cblr-1739	374	8	experian	experian	NOUN
cblr-1739	374	9	will	will	AUX
cblr-1739	374	10	offer	offer	VERB
cblr-1739	374	11	the	the	DET
cblr-1739	374	12	program	program	NOUN
cblr-1739	374	13	to	to	ADP
cblr-1739	374	14	all	all	DET
cblr-1739	374	15	its	its	PRON
cblr-1739	374	16	customers	customer	NOUN
cblr-1739	374	17	,	,	PUNCT
cblr-1739	374	18	including	include	VERB
cblr-1739	374	19	traditional	traditional	ADJ
cblr-1739	374	20	banks.109	banks.109	VERB
cblr-1739	374	21	pure	pure	ADJ
cblr-1739	374	22	data	datum	NOUN
cblr-1739	374	23	-	-	PUNCT
cblr-1739	374	24	analysis	analysis	NOUN
cblr-1739	374	25	start	start	NOUN
cblr-1739	374	26	-	-	PUNCT
cblr-1739	374	27	ups	up	NOUN
cblr-1739	374	28	,	,	PUNCT
cblr-1739	374	29	such	such	ADJ
cblr-1739	374	30	as	as	ADP
cblr-1739	374	31	the	the	DET
cblr-1739	374	32	u.k.-based	u.k.-based	ADJ
cblr-1739	374	33	hello	hello	PROPN
cblr-1739	374	34	soda	soda	NOUN
cblr-1739	374	35	,	,	PUNCT
cblr-1739	374	36	also	also	ADV
cblr-1739	374	37	evidence	evidence	VERB
cblr-1739	374	38	the	the	DET
cblr-1739	374	39	link	link	NOUN
cblr-1739	374	40	between	between	ADP
cblr-1739	374	41	online	online	ADJ
cblr-1739	374	42	social	social	ADJ
cblr-1739	374	43	footprints	footprint	NOUN
cblr-1739	374	44	and	and	CCONJ
cblr-1739	374	45	financial	financial	ADJ
cblr-1739	374	46	evaluation	evaluation	NOUN
cblr-1739	374	47	.	.	PUNCT
cblr-1739	375	1	according	accord	VERB
cblr-1739	375	2	to	to	ADP
cblr-1739	375	3	hello	hello	PROPN
cblr-1739	375	4	soda	soda	NOUN
cblr-1739	375	5	,	,	PUNCT
cblr-1739	375	6	their	their	PRON
cblr-1739	375	7	product	product	NOUN
cblr-1739	375	8	,	,	PUNCT
cblr-1739	375	9	profile	profile	NOUN
cblr-1739	375	10	,	,	PUNCT
cblr-1739	375	11	offers	offer	VERB
cblr-1739	375	12	lenders	lender	NOUN
cblr-1739	375	13	the	the	DET
cblr-1739	375	14	ability	ability	NOUN
cblr-1739	375	15	to	to	PART
cblr-1739	375	16	gauge	gauge	VERB
cblr-1739	375	17	an	an	DET
cblr-1739	375	18	applicant	applicant	NOUN
cblr-1739	375	19	’s	’s	PART
cblr-1739	375	20	creditworthiness	creditworthiness	NOUN
cblr-1739	375	21	by	by	ADP
cblr-1739	375	22	identifying	identify	VERB
cblr-1739	375	23	personality	personality	NOUN
cblr-1739	375	24	attributes	attribute	VERB
cblr-1739	375	25	from	from	ADP
cblr-1739	375	26	the	the	DET
cblr-1739	375	27	language	language	NOUN
cblr-1739	375	28	exhibited	exhibit	VERB
cblr-1739	375	29	across	across	ADP
cblr-1739	375	30	their	their	PRON
cblr-1739	375	31	social	social	ADJ
cblr-1739	375	32	media.110	media.110	NOUN
cblr-1739	375	33	it	it	PRON
cblr-1739	375	34	might	might	AUX
cblr-1739	375	35	be	be	AUX
cblr-1739	375	36	the	the	DET
cblr-1739	375	37	case	case	NOUN
cblr-1739	375	38	that	that	SCONJ
cblr-1739	375	39	the	the	DET
cblr-1739	375	40	value	value	NOUN
cblr-1739	375	41	of	of	ADP
cblr-1739	375	42	the	the	DET
cblr-1739	375	43	ranking	rank	VERB
cblr-1739	375	44	algorithm	algorithm	NOUN
cblr-1739	375	45	exceeds	exceed	VERB
cblr-1739	375	46	that	that	PRON
cblr-1739	375	47	of	of	ADP
cblr-1739	375	48	the	the	DET
cblr-1739	375	49	lending	lending	NOUN
cblr-1739	375	50	business	business	NOUN
cblr-1739	375	51	itself	itself	PRON
cblr-1739	375	52	.	.	PUNCT
cblr-1739	376	1	indeed	indeed	ADV
cblr-1739	376	2	,	,	PUNCT
cblr-1739	376	3	lenddo	lenddo	PROPN
cblr-1739	376	4	,	,	PUNCT
cblr-1739	376	5	the	the	DET
cblr-1739	376	6	exemplifier	exemplifier	NOUN
cblr-1739	376	7	of	of	ADP
cblr-1739	376	8	social	social	ADJ
cblr-1739	376	9	data	data	NOUN
cblr-1739	376	10	-	-	PUNCT
cblr-1739	376	11	driven	drive	VERB
cblr-1739	376	12	lending	lending	NOUN
cblr-1739	376	13	,	,	PUNCT
cblr-1739	376	14	has	have	AUX
cblr-1739	376	15	recently	recently	ADV
cblr-1739	376	16	abandoned	abandon	VERB
cblr-1739	376	17	its	its	PRON
cblr-1739	376	18	lending	lending	NOUN
cblr-1739	376	19	arm	arm	NOUN
cblr-1739	376	20	in	in	ADP
cblr-1739	376	21	lieu	lieu	NOUN
cblr-1739	376	22	of	of	ADP
cblr-1739	376	23	selling	sell	VERB
cblr-1739	376	24	its	its	PRON
cblr-1739	376	25	algorithmic	algorithmic	ADJ
cblr-1739	376	26	services	service	NOUN
cblr-1739	376	27	to	to	ADP
cblr-1739	376	28	businesses	business	NOUN
cblr-1739	376	29	inside	inside	ADP
cblr-1739	376	30	and	and	CCONJ
cblr-1739	376	31	outside	outside	ADP
cblr-1739	376	32	the	the	DET
cblr-1739	376	33	financial	financial	ADJ
cblr-1739	376	34	sector.111	sector.111	PROPN
cblr-1739	376	35	iii	iii	PROPN
cblr-1739	376	36	.	.	PUNCT
cblr-1739	377	1	consumers	consumer	NOUN
cblr-1739	377	2	’	’	PART
cblr-1739	377	3	responses	response	NOUN
cblr-1739	377	4	to	to	ADP
cblr-1739	377	5	social	social	ADJ
cblr-1739	377	6	credit	credit	NOUN
cblr-1739	377	7	social	social	ADJ
cblr-1739	377	8	credit	credit	NOUN
cblr-1739	377	9	systems	system	NOUN
cblr-1739	377	10	are	be	AUX
cblr-1739	377	11	built	build	VERB
cblr-1739	377	12	around	around	ADP
cblr-1739	377	13	a	a	DET
cblr-1739	377	14	promising	promising	ADJ
cblr-1739	377	15	idea	idea	NOUN
cblr-1739	377	16	:	:	PUNCT
cblr-1739	377	17	using	use	VERB
cblr-1739	377	18	personal	personal	ADJ
cblr-1739	377	19	information	information	NOUN
cblr-1739	377	20	about	about	ADP
cblr-1739	377	21	consumers	consumer	NOUN
cblr-1739	377	22	’	'	PUNCT
cblr-1739	377	23	social	social	ADJ
cblr-1739	377	24	footprints	footprint	NOUN
cblr-1739	377	25	,	,	PUNCT
cblr-1739	377	26	contacts	contact	NOUN
cblr-1739	377	27	,	,	PUNCT
cblr-1739	377	28	and	and	CCONJ
cblr-1739	377	29	activities	activity	NOUN
cblr-1739	377	30	from	from	ADP
cblr-1739	377	31	the	the	DET
cblr-1739	377	32	consumers	consumer	NOUN
cblr-1739	377	33	themselves	themselves	PRON
cblr-1739	377	34	.	.	PUNCT
cblr-1739	378	1	recent	recent	ADJ
cblr-1739	378	2	studies	study	NOUN
cblr-1739	378	3	support	support	VERB
cblr-1739	378	4	this	this	DET
cblr-1739	378	5	approach	approach	NOUN
cblr-1739	378	6	,	,	PUNCT
cblr-1739	378	7	showing	show	VERB
cblr-1739	378	8	that	that	SCONJ
cblr-1739	378	9	in	in	ADP
cblr-1739	378	10	order	order	NOUN
cblr-1739	378	11	to	to	PART
cblr-1739	378	12	gain	gain	VERB
cblr-1739	378	13	specific	specific	ADJ
cblr-1739	378	14	transactional	transactional	ADJ
cblr-1739	378	15	and	and	CCONJ
cblr-1739	378	16	personal	personal	ADJ
cblr-1739	378	17	advantages	advantage	NOUN
cblr-1739	378	18	most	most	ADJ
cblr-1739	378	19	individuals	individual	NOUN
cblr-1739	378	20	will	will	AUX
cblr-1739	378	21	willingly	willingly	ADV
cblr-1739	378	22	disclose	disclose	VERB
cblr-1739	378	23	information	information	NOUN
cblr-1739	378	24	about	about	ADP
cblr-1739	378	25	themselves	themselves	PRON
cblr-1739	378	26	and	and	CCONJ
cblr-1739	378	27	their	their	PRON
cblr-1739	378	28	social	social	ADJ
cblr-1739	378	29	activities	activity	NOUN
cblr-1739	378	30	108	108	NUM
cblr-1739	378	31	see	see	VERB
cblr-1739	378	32	murakami	murakami	NOUN
cblr-1739	378	33	,	,	PUNCT
cblr-1739	378	34	supra	supra	PROPN
cblr-1739	378	35	note	note	NOUN
cblr-1739	378	36	16	16	NUM
cblr-1739	378	37	.	.	PUNCT
cblr-1739	379	1	109	109	NUM
cblr-1739	379	2	see	see	VERB
cblr-1739	379	3	i	i	PRON
cblr-1739	379	4	d.	d.	PROPN
cblr-1739	379	5	110	110	NUM
cblr-1739	379	6	see	see	VERB
cblr-1739	379	7	financial	financial	ADJ
cblr-1739	379	8	services	service	NOUN
cblr-1739	379	9	,	,	PUNCT
cblr-1739	379	10	hello	hello	PRON
cblr-1739	379	11	soda	soda	NOUN
cblr-1739	379	12	,	,	PUNCT
cblr-1739	379	13	http://hellosoda.com/alter	http://hellosoda.com/alter	PROPN
cblr-1739	379	14	native	native	NOUN
cblr-1739	379	15	-	-	PUNCT
cblr-1739	379	16	finance/	finance/	NUM
cblr-1739	379	17	[	[	X
cblr-1739	379	18	http://perma.cc/8qml-upws	http://perma.cc/8qml-upws	X
cblr-1739	379	19	]	]	X
cblr-1739	379	20	.	.	PUNCT
cblr-1739	379	21	111	111	NUM
cblr-1739	379	22	see	see	VERB
cblr-1739	379	23	judith	judith	PROPN
cblr-1739	379	24	balea	balea	PROPN
cblr-1739	379	25	,	,	PUNCT
cblr-1739	379	26	lenddo	lenddo	PROPN
cblr-1739	379	27	stops	stop	VERB
cblr-1739	379	28	lending	lending	NOUN
cblr-1739	379	29	,	,	PUNCT
cblr-1739	379	30	now	now	ADV
cblr-1739	379	31	helps	help	VERB
cblr-1739	379	32	clients	client	NOUN
cblr-1739	379	33	determine	determine	VERB
cblr-1739	379	34	customer	customer	NOUN
cblr-1739	379	35	trustworthiness	trustworthiness	NOUN
cblr-1739	379	36	,	,	PUNCT
cblr-1739	379	37	tech	tech	NOUN
cblr-1739	379	38	in	in	ADP
cblr-1739	379	39	asia	asia	PROPN
cblr-1739	379	40	(	(	PUNCT
cblr-1739	379	41	jan	jan	PROPN
cblr-1739	379	42	.	.	PROPN
cblr-1739	379	43	26	26	NUM
cblr-1739	379	44	,	,	PUNCT
cblr-1739	379	45	2015	2015	NUM
cblr-1739	379	46	,	,	PUNCT
cblr-1739	379	47	10:30	10:30	NUM
cblr-1739	379	48	pm	pm	NOUN
cblr-1739	379	49	)	)	PUNCT
cblr-1739	379	50	,	,	PUNCT
cblr-1739	379	51	https://www.techinasia.com/lenddo-customer-trustworthiness/	https://www.techinasia.com/lenddo-customer-trustworthiness/	PROPN
cblr-1739	379	52	[	[	X
cblr-1739	379	53	http://	http://	PROPN
cblr-1739	379	54	perma.cc/mnb8-46zm	perma.cc/mnb8-46zm	NOUN
cblr-1739	379	55	]	]	X
cblr-1739	379	56	.	.	PUNCT
cblr-1739	380	1	aside	aside	ADV
cblr-1739	380	2	from	from	ADP
cblr-1739	380	3	some	some	DET
cblr-1739	380	4	banks	bank	NOUN
cblr-1739	380	5	that	that	PRON
cblr-1739	380	6	already	already	ADV
cblr-1739	380	7	use	use	VERB
cblr-1739	380	8	lenddo	lenddo	PROPN
cblr-1739	380	9	’s	’s	PART
cblr-1739	380	10	algorithm	algorithm	NOUN
cblr-1739	380	11	,	,	PUNCT
cblr-1739	380	12	lenddo	lenddo	PROPN
cblr-1739	380	13	targets	target	NOUN
cblr-1739	380	14	telecommunications	telecommunication	NOUN
cblr-1739	380	15	companies	company	NOUN
cblr-1739	380	16	,	,	PUNCT
cblr-1739	380	17	e	e	NOUN
cblr-1739	380	18	-	-	NOUN
cblr-1739	380	19	commerce	commerce	NOUN
cblr-1739	380	20	sites	site	NOUN
cblr-1739	380	21	,	,	PUNCT
cblr-1739	380	22	online	online	ADJ
cblr-1739	380	23	dating	date	VERB
cblr-1739	380	24	sites	site	NOUN
cblr-1739	380	25	,	,	PUNCT
cblr-1739	380	26	and	and	CCONJ
cblr-1739	380	27	hiring	hire	VERB
cblr-1739	380	28	managers	manager	NOUN
cblr-1739	380	29	.	.	PUNCT
cblr-1739	381	1	see	see	VERB
cblr-1739	381	2	i	i	PRON
cblr-1739	381	3	d.	d.	PROPN
cblr-1739	381	4	business	business	PROPN
cblr-1739	381	5	creditor	creditor	PROPN
cblr-1739	381	6	kabbage	kabbage	PROPN
cblr-1739	381	7	also	also	ADV
cblr-1739	381	8	plans	plan	VERB
cblr-1739	381	9	to	to	PART
cblr-1739	381	10	license	license	VERB
cblr-1739	381	11	or	or	CCONJ
cblr-1739	381	12	sell	sell	VERB
cblr-1739	381	13	its	its	PRON
cblr-1739	381	14	scoring	scoring	NOUN
cblr-1739	381	15	methods	method	NOUN
cblr-1739	381	16	to	to	ADP
cblr-1739	381	17	banks	bank	NOUN
cblr-1739	381	18	.	.	PUNCT
cblr-1739	382	1	see	see	VERB
cblr-1739	382	2	joann	joann	PROPN
cblr-1739	382	3	mcfarland	mcfarland	PROPN
cblr-1739	382	4	,	,	PUNCT
cblr-1739	382	5	need	need	VERB
cblr-1739	382	6	a	a	DET
cblr-1739	382	7	small	small	ADJ
cblr-1739	382	8	business	business	NOUN
cblr-1739	382	9	loan	loan	NOUN
cblr-1739	382	10	?	?	PUNCT
cblr-1739	383	1	kabbage	kabbage	NOUN
cblr-1739	383	2	recently	recently	ADV
cblr-1739	383	3	raised	raise	VERB
cblr-1739	383	4	$	$	SYM
cblr-1739	383	5	135	135	NUM
cblr-1739	383	6	million	million	NUM
cblr-1739	383	7	,	,	PUNCT
cblr-1739	383	8	small	small	ADJ
cblr-1739	383	9	bus	bus	NOUN
cblr-1739	383	10	.	.	PUNCT
cblr-1739	384	1	trends	trend	NOUN
cblr-1739	384	2	(	(	PUNCT
cblr-1739	384	3	oct	oct	PROPN
cblr-1739	384	4	.	.	PROPN
cblr-1739	384	5	30	30	NUM
cblr-1739	384	6	,	,	PUNCT
cblr-1739	384	7	2015	2015	NUM
cblr-1739	384	8	)	)	PUNCT
cblr-1739	384	9	,	,	PUNCT
cblr-1739	384	10	http://smallbiz	http://smallbiz	X
cblr-1739	384	11	trends.com/2015/10/kabbage-investment-funding.html	trends.com/2015/10/kabbage-investment-funding.html	X
cblr-1739	385	1	[	[	X
cblr-1739	385	2	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	385	3	umm8	umm8	NOUN
cblr-1739	385	4	-	-	PUNCT
cblr-1739	385	5	fdrw	fdrw	NOUN
cblr-1739	385	6	]	]	PUNCT
cblr-1739	385	7	.	.	PUNCT
cblr-1739	386	1	geslevich	geslevich	PROPN
cblr-1739	386	2	packin	packin	PROPN
cblr-1739	386	3	&	&	CCONJ
cblr-1739	386	4	lev	lev	PROPN
cblr-1739	386	5	-	-	PUNCT
cblr-1739	386	6	aretz	aretz	PROPN
cblr-1739	386	7	–	–	PUNCT
cblr-1739	386	8	final	final	ADJ
cblr-1739	386	9	366	366	NUM
cblr-1739	386	10	columbia	columbia	PROPN
cblr-1739	386	11	business	business	NOUN
cblr-1739	386	12	law	law	PROPN
cblr-1739	386	13	review	review	NOUN
cblr-1739	387	1	[	[	X
cblr-1739	387	2	vol	vol	NOUN
cblr-1739	387	3	.	.	NOUN
cblr-1739	387	4	2016	2016	NUM
cblr-1739	387	5	without	without	ADP
cblr-1739	387	6	thinking	think	VERB
cblr-1739	387	7	about	about	ADP
cblr-1739	387	8	the	the	DET
cblr-1739	387	9	effects	effect	NOUN
cblr-1739	387	10	of	of	ADP
cblr-1739	387	11	their	their	PRON
cblr-1739	387	12	disclosures.112	disclosures.112	ADJ
cblr-1739	387	13	people	people	NOUN
cblr-1739	387	14	also	also	ADV
cblr-1739	387	15	enthusiastically	enthusiastically	ADV
cblr-1739	387	16	partake	partake	VERB
cblr-1739	387	17	in	in	ADP
cblr-1739	387	18	profiling	profiling	NOUN
cblr-1739	387	19	for	for	ADP
cblr-1739	387	20	a	a	DET
cblr-1739	387	21	variety	variety	NOUN
cblr-1739	387	22	of	of	ADP
cblr-1739	387	23	purposes,113	purposes,113	NOUN
cblr-1739	387	24	including	include	VERB
cblr-1739	387	25	the	the	DET
cblr-1739	387	26	receipt	receipt	NOUN
cblr-1739	387	27	of	of	ADP
cblr-1739	387	28	financial	financial	ADJ
cblr-1739	387	29	benefits	benefit	NOUN
cblr-1739	387	30	and	and	CCONJ
cblr-1739	387	31	discounts	discount	NOUN
cblr-1739	387	32	.	.	PUNCT
cblr-1739	388	1	businesses	business	NOUN
cblr-1739	388	2	offer	offer	VERB
cblr-1739	388	3	these	these	DET
cblr-1739	388	4	benefits	benefit	NOUN
cblr-1739	388	5	and	and	CCONJ
cblr-1739	388	6	discounts	discount	NOUN
cblr-1739	388	7	in	in	ADP
cblr-1739	388	8	exchange	exchange	NOUN
cblr-1739	388	9	for	for	ADP
cblr-1739	388	10	information	information	NOUN
cblr-1739	388	11	because	because	SCONJ
cblr-1739	388	12	receiving	receive	VERB
cblr-1739	388	13	all	all	DET
cblr-1739	388	14	the	the	DET
cblr-1739	388	15	information	information	NOUN
cblr-1739	388	16	required	require	VERB
cblr-1739	388	17	for	for	ADP
cblr-1739	388	18	a	a	DET
cblr-1739	388	19	proper	proper	ADJ
cblr-1739	388	20	due	due	ADJ
cblr-1739	388	21	diligence	diligence	NOUN
cblr-1739	388	22	analysis	analysis	NOUN
cblr-1739	388	23	directly	directly	ADV
cblr-1739	388	24	from	from	ADP
cblr-1739	388	25	the	the	DET
cblr-1739	388	26	subject	subject	NOUN
cblr-1739	388	27	enables	enable	VERB
cblr-1739	388	28	businesses	business	NOUN
cblr-1739	388	29	to	to	PART
cblr-1739	388	30	reduce	reduce	VERB
cblr-1739	388	31	transaction	transaction	NOUN
cblr-1739	388	32	costs	cost	NOUN
cblr-1739	388	33	.	.	PUNCT
cblr-1739	389	1	yet	yet	ADV
cblr-1739	389	2	few	few	ADJ
cblr-1739	389	3	individuals	individual	NOUN
cblr-1739	389	4	understand	understand	VERB
cblr-1739	389	5	the	the	DET
cblr-1739	389	6	significant	significant	ADJ
cblr-1739	389	7	consequences	consequence	NOUN
cblr-1739	389	8	of	of	ADP
cblr-1739	389	9	businesses	business	NOUN
cblr-1739	389	10	using	use	VERB
cblr-1739	389	11	their	their	PRON
cblr-1739	389	12	sensitive	sensitive	ADJ
cblr-1739	389	13	information.114	information.114	ADV
cblr-1739	389	14	most	most	ADJ
cblr-1739	389	15	consumers	consumer	NOUN
cblr-1739	389	16	lack	lack	VERB
cblr-1739	389	17	both	both	CCONJ
cblr-1739	389	18	the	the	DET
cblr-1739	389	19	information	information	NOUN
cblr-1739	389	20	and	and	CCONJ
cblr-1739	389	21	the	the	DET
cblr-1739	389	22	skills	skill	NOUN
cblr-1739	389	23	to	to	PART
cblr-1739	389	24	properly	properly	ADV
cblr-1739	389	25	evaluate	evaluate	VERB
cblr-1739	389	26	this	this	DET
cblr-1739	389	27	decision.115	decision.115	NOUN
cblr-1739	389	28	it	it	PRON
cblr-1739	389	29	is	be	AUX
cblr-1739	389	30	a	a	DET
cblr-1739	389	31	basic	basic	ADJ
cblr-1739	389	32	premise	premise	NOUN
cblr-1739	389	33	in	in	ADP
cblr-1739	389	34	economic	economic	ADJ
cblr-1739	389	35	theories	theory	NOUN
cblr-1739	389	36	that	that	SCONJ
cblr-1739	389	37	rational	rational	ADJ
cblr-1739	389	38	actors	actor	NOUN
cblr-1739	389	39	economize	economize	VERB
cblr-1739	389	40	on	on	ADP
cblr-1739	389	41	transaction	transaction	NOUN
cblr-1739	389	42	costs.116	costs.116	NOUN
cblr-1739	389	43	businesses	business	NOUN
cblr-1739	389	44	and	and	CCONJ
cblr-1739	389	45	112	112	NUM
cblr-1739	389	46	see	see	NOUN
cblr-1739	389	47	,	,	PUNCT
cblr-1739	389	48	e.g.	e.g.	ADV
cblr-1739	389	49	,	,	PUNCT
cblr-1739	389	50	peppet	peppet	NOUN
cblr-1739	389	51	,	,	PUNCT
cblr-1739	389	52	supra	supra	PROPN
cblr-1739	389	53	note	note	PROPN
cblr-1739	389	54	17	17	NUM
cblr-1739	389	55	,	,	PUNCT
cblr-1739	389	56	at	at	ADP
cblr-1739	389	57	1157–58	1157–58	PROPN
cblr-1739	389	58	(	(	PUNCT
cblr-1739	389	59	citing	cite	VERB
cblr-1739	389	60	robert	robert	PROPN
cblr-1739	389	61	h.	h.	PROPN
cblr-1739	389	62	frank	frank	PROPN
cblr-1739	389	63	,	,	PUNCT
cblr-1739	389	64	passions	passion	NOUN
cblr-1739	389	65	within	within	ADP
cblr-1739	389	66	reason	reason	NOUN
cblr-1739	389	67	104	104	NUM
cblr-1739	389	68	(	(	PUNCT
cblr-1739	389	69	1988	1988	NUM
cblr-1739	389	70	)	)	PUNCT
cblr-1739	389	71	)	)	PUNCT
cblr-1739	389	72	.	.	PUNCT
cblr-1739	390	1	113	113	NUM
cblr-1739	390	2	see	see	VERB
cblr-1739	390	3	lior	lior	PROPN
cblr-1739	390	4	j.	j.	PROPN
cblr-1739	390	5	strahilevitz	strahilevitz	PROPN
cblr-1739	390	6	,	,	PUNCT
cblr-1739	390	7	reputation	reputation	NOUN
cblr-1739	390	8	nation	nation	NOUN
cblr-1739	390	9	:	:	PUNCT
cblr-1739	390	10	law	law	NOUN
cblr-1739	390	11	in	in	ADP
cblr-1739	390	12	an	an	DET
cblr-1739	390	13	era	era	NOUN
cblr-1739	390	14	of	of	ADP
cblr-1739	390	15	ubiquitous	ubiquitous	ADJ
cblr-1739	390	16	personal	personal	ADJ
cblr-1739	390	17	information	information	NOUN
cblr-1739	390	18	,	,	PUNCT
cblr-1739	390	19	102	102	NUM
cblr-1739	390	20	nw	nw	X
cblr-1739	390	21	.	.	PUNCT
cblr-1739	390	22	u.	u.	PROPN
cblr-1739	390	23	l.	l.	PROPN
cblr-1739	390	24	rev	rev	PROPN
cblr-1739	390	25	.	.	PROPN
cblr-1739	390	26	1667	1667	NUM
cblr-1739	390	27	,	,	PUNCT
cblr-1739	390	28	1670	1670	NUM
cblr-1739	390	29	(	(	PUNCT
cblr-1739	390	30	2008	2008	NUM
cblr-1739	390	31	)	)	PUNCT
cblr-1739	390	32	.	.	PUNCT
cblr-1739	391	1	114	114	NUM
cblr-1739	391	2	see	see	VERB
cblr-1739	391	3	,	,	PUNCT
cblr-1739	391	4	e.g.	e.g.	ADV
cblr-1739	391	5	,	,	PUNCT
cblr-1739	391	6	alessandro	alessandro	PROPN
cblr-1739	391	7	acquisti	acquisti	PROPN
cblr-1739	391	8	&	&	CCONJ
cblr-1739	391	9	ralph	ralph	PROPN
cblr-1739	391	10	gross	gross	PROPN
cblr-1739	391	11	,	,	PUNCT
cblr-1739	391	12	imagined	imagined	ADJ
cblr-1739	391	13	communities	community	NOUN
cblr-1739	391	14	:	:	PUNCT
cblr-1739	391	15	awareness	awareness	NOUN
cblr-1739	391	16	,	,	PUNCT
cblr-1739	391	17	information	information	NOUN
cblr-1739	391	18	sharing	sharing	NOUN
cblr-1739	391	19	,	,	PUNCT
cblr-1739	391	20	and	and	CCONJ
cblr-1739	391	21	privacy	privacy	NOUN
cblr-1739	391	22	on	on	ADP
cblr-1739	391	23	the	the	DET
cblr-1739	391	24	facebook	facebook	NOUN
cblr-1739	391	25	,	,	PUNCT
cblr-1739	391	26	in	in	ADP
cblr-1739	391	27	privacy	privacy	NOUN
cblr-1739	391	28	enhancing	enhance	VERB
cblr-1739	391	29	technologies	technology	NOUN
cblr-1739	391	30	36	36	NUM
cblr-1739	391	31	(	(	PUNCT
cblr-1739	391	32	george	george	PROPN
cblr-1739	391	33	danezis	danezis	PROPN
cblr-1739	391	34	&	&	CCONJ
cblr-1739	391	35	philippe	philippe	PROPN
cblr-1739	391	36	golle	golle	PROPN
cblr-1739	391	37	eds	ed	VERB
cblr-1739	391	38	.	.	PROPN
cblr-1739	391	39	,	,	PUNCT
cblr-1739	391	40	2006	2006	NUM
cblr-1739	391	41	)	)	PUNCT
cblr-1739	391	42	;	;	PUNCT
cblr-1739	391	43	alessandro	alessandro	PROPN
cblr-1739	391	44	acquisti	acquisti	PROPN
cblr-1739	391	45	&	&	CCONJ
cblr-1739	391	46	jens	jens	PROPN
cblr-1739	391	47	grossklags	grossklags	PROPN
cblr-1739	391	48	,	,	PUNCT
cblr-1739	391	49	what	what	PRON
cblr-1739	391	50	can	can	AUX
cblr-1739	391	51	behavioral	behavioral	ADJ
cblr-1739	391	52	economics	economic	NOUN
cblr-1739	391	53	teach	teach	VERB
cblr-1739	391	54	us	we	PRON
cblr-1739	391	55	about	about	ADP
cblr-1739	391	56	privacy	privacy	NOUN
cblr-1739	391	57	?	?	PUNCT
cblr-1739	391	58	,	,	PUNCT
cblr-1739	391	59	in	in	ADP
cblr-1739	391	60	digital	digital	ADJ
cblr-1739	391	61	privacy	privacy	NOUN
cblr-1739	391	62	:	:	PUNCT
cblr-1739	391	63	theory	theory	NOUN
cblr-1739	391	64	,	,	PUNCT
cblr-1739	391	65	technologies	technology	NOUN
cblr-1739	391	66	and	and	CCONJ
cblr-1739	391	67	practices	practice	NOUN
cblr-1739	391	68	363	363	NUM
cblr-1739	391	69	(	(	PUNCT
cblr-1739	392	1	alessandro	alessandro	PROPN
cblr-1739	392	2	acquisti	acquisti	PROPN
cblr-1739	392	3	et	et	PROPN
cblr-1739	392	4	al	al	PROPN
cblr-1739	392	5	.	.	PUNCT
cblr-1739	392	6	eds	eds	PROPN
cblr-1739	392	7	.	.	PROPN
cblr-1739	392	8	,	,	PUNCT
cblr-1739	392	9	2007	2007	NUM
cblr-1739	392	10	)	)	PUNCT
cblr-1739	392	11	;	;	PUNCT
cblr-1739	392	12	alessandro	alessandro	PROPN
cblr-1739	392	13	acquisti	acquisti	PROPN
cblr-1739	392	14	&	&	CCONJ
cblr-1739	392	15	jens	jens	PROPN
cblr-1739	392	16	grossklags	grossklags	PROPN
cblr-1739	392	17	,	,	PUNCT
cblr-1739	392	18	privacy	privacy	NOUN
cblr-1739	392	19	and	and	CCONJ
cblr-1739	392	20	rationality	rationality	NOUN
cblr-1739	392	21	in	in	ADP
cblr-1739	392	22	individual	individual	ADJ
cblr-1739	392	23	decision	decision	NOUN
cblr-1739	392	24	making	making	NOUN
cblr-1739	392	25	,	,	PUNCT
cblr-1739	392	26	ieee	ieee	NOUN
cblr-1739	392	27	security	security	NOUN
cblr-1739	392	28	&	&	CCONJ
cblr-1739	392	29	privacy	privacy	PROPN
cblr-1739	392	30	26–33	26–33	PROPN
cblr-1739	392	31	(	(	PUNCT
cblr-1739	392	32	jan./feb	jan./feb	PROPN
cblr-1739	392	33	.	.	PROPN
cblr-1739	392	34	2005	2005	NUM
cblr-1739	392	35	)	)	PUNCT
cblr-1739	392	36	.	.	PUNCT
cblr-1739	393	1	115	115	NUM
cblr-1739	393	2	danielle	danielle	PROPN
cblr-1739	393	3	keats	keats	PROPN
cblr-1739	393	4	citron	citron	PROPN
cblr-1739	393	5	,	,	PUNCT
cblr-1739	393	6	reservoirs	reservoir	NOUN
cblr-1739	393	7	of	of	ADP
cblr-1739	393	8	danger	danger	NOUN
cblr-1739	393	9	:	:	PUNCT
cblr-1739	393	10	the	the	DET
cblr-1739	393	11	evolution	evolution	NOUN
cblr-1739	393	12	of	of	ADP
cblr-1739	393	13	public	public	ADJ
cblr-1739	393	14	and	and	CCONJ
cblr-1739	393	15	private	private	ADJ
cblr-1739	393	16	law	law	NOUN
cblr-1739	393	17	at	at	ADP
cblr-1739	393	18	the	the	DET
cblr-1739	393	19	dawn	dawn	NOUN
cblr-1739	393	20	of	of	ADP
cblr-1739	393	21	the	the	DET
cblr-1739	393	22	information	information	NOUN
cblr-1739	393	23	age	age	NOUN
cblr-1739	393	24	,	,	PUNCT
cblr-1739	393	25	80	80	NUM
cblr-1739	393	26	s.	s.	PROPN
cblr-1739	393	27	cal	cal	PROPN
cblr-1739	393	28	.	.	PUNCT
cblr-1739	394	1	l.	l.	PROPN
cblr-1739	394	2	rev	rev	PROPN
cblr-1739	394	3	.	.	PROPN
cblr-1739	394	4	241	241	NUM
cblr-1739	394	5	,	,	PUNCT
cblr-1739	394	6	267	267	NUM
cblr-1739	394	7	n.	n.	NOUN
cblr-1739	394	8	142	142	NUM
cblr-1739	394	9	(	(	PUNCT
cblr-1739	394	10	2007	2007	NUM
cblr-1739	394	11	)	)	PUNCT
cblr-1739	394	12	.	.	PUNCT
cblr-1739	395	1	116	116	NUM
cblr-1739	395	2	since	since	SCONJ
cblr-1739	395	3	,	,	PUNCT
cblr-1739	395	4	in	in	ADP
cblr-1739	395	5	most	most	ADJ
cblr-1739	395	6	real	real	ADJ
cblr-1739	395	7	-	-	PUNCT
cblr-1739	395	8	world	world	NOUN
cblr-1739	395	9	situations	situation	NOUN
cblr-1739	395	10	,	,	PUNCT
cblr-1739	395	11	transaction	transaction	NOUN
cblr-1739	395	12	costs	cost	NOUN
cblr-1739	395	13	are	be	AUX
cblr-1739	395	14	not	not	PART
cblr-1739	395	15	negligible	negligible	ADJ
cblr-1739	395	16	,	,	PUNCT
cblr-1739	395	17	the	the	DET
cblr-1739	395	18	initial	initial	ADJ
cblr-1739	395	19	allocation	allocation	NOUN
cblr-1739	395	20	of	of	ADP
cblr-1739	395	21	rights	right	NOUN
cblr-1739	395	22	matter	matter	NOUN
cblr-1739	395	23	and	and	CCONJ
cblr-1739	395	24	parties	party	NOUN
cblr-1739	395	25	will	will	AUX
cblr-1739	395	26	have	have	VERB
cblr-1739	395	27	difficulty	difficulty	NOUN
cblr-1739	395	28	contracting	contract	VERB
cblr-1739	395	29	around	around	ADP
cblr-1739	395	30	established	establish	VERB
cblr-1739	395	31	rules	rule	NOUN
cblr-1739	395	32	.	.	PUNCT
cblr-1739	396	1	see	see	VERB
cblr-1739	396	2	,	,	PUNCT
cblr-1739	396	3	e.g.	e.g.	ADV
cblr-1739	396	4	,	,	PUNCT
cblr-1739	396	5	todd	todd	PROPN
cblr-1739	396	6	j.	j.	PROPN
cblr-1739	396	7	zywicki	zywicki	PROPN
cblr-1739	396	8	,	,	PUNCT
cblr-1739	396	9	libertarianism	libertarianism	NOUN
cblr-1739	396	10	,	,	PUNCT
cblr-1739	396	11	law	law	NOUN
cblr-1739	396	12	and	and	CCONJ
cblr-1739	396	13	economics	economic	NOUN
cblr-1739	396	14	,	,	PUNCT
cblr-1739	396	15	and	and	CCONJ
cblr-1739	396	16	the	the	DET
cblr-1739	396	17	common	common	ADJ
cblr-1739	396	18	law	law	NOUN
cblr-1739	396	19	,	,	PUNCT
cblr-1739	396	20	16	16	NUM
cblr-1739	396	21	chap	chap	NOUN
cblr-1739	396	22	.	.	PUNCT
cblr-1739	397	1	l.	l.	PROPN
cblr-1739	397	2	rev	rev	PROPN
cblr-1739	397	3	.	.	PROPN
cblr-1739	397	4	309	309	NUM
cblr-1739	397	5	(	(	PUNCT
cblr-1739	397	6	2013	2013	NUM
cblr-1739	397	7	)	)	PUNCT
cblr-1739	397	8	.	.	PUNCT
cblr-1739	398	1	accordingly	accordingly	ADV
cblr-1739	398	2	,	,	PUNCT
cblr-1739	398	3	high	high	ADJ
cblr-1739	398	4	transaction	transaction	NOUN
cblr-1739	398	5	costs	cost	NOUN
cblr-1739	398	6	,	,	PUNCT
cblr-1739	398	7	which	which	PRON
cblr-1739	398	8	include	include	VERB
cblr-1739	398	9	information	information	NOUN
cblr-1739	398	10	costs	cost	NOUN
cblr-1739	398	11	,	,	PUNCT
cblr-1739	398	12	may	may	AUX
cblr-1739	398	13	lead	lead	VERB
cblr-1739	398	14	to	to	ADP
cblr-1739	398	15	less	less	ADJ
cblr-1739	398	16	than	than	ADP
cblr-1739	398	17	desirable	desirable	ADJ
cblr-1739	398	18	situations	situation	NOUN
cblr-1739	398	19	.	.	PUNCT
cblr-1739	399	1	for	for	ADP
cblr-1739	399	2	example	example	NOUN
cblr-1739	399	3	,	,	PUNCT
cblr-1739	399	4	high	high	ADJ
cblr-1739	399	5	transaction	transaction	NOUN
cblr-1739	399	6	and	and	CCONJ
cblr-1739	399	7	information	information	NOUN
cblr-1739	399	8	costs	cost	NOUN
cblr-1739	399	9	can	can	AUX
cblr-1739	399	10	prevent	prevent	VERB
cblr-1739	399	11	plaintiffs	plaintiff	NOUN
cblr-1739	399	12	from	from	ADP
cblr-1739	399	13	suing	sue	VERB
cblr-1739	399	14	and	and	CCONJ
cblr-1739	399	15	fully	fully	ADV
cblr-1739	399	16	recovering	recover	VERB
cblr-1739	399	17	,	,	PUNCT
cblr-1739	399	18	or	or	CCONJ
cblr-1739	399	19	properly	properly	ADV
cblr-1739	399	20	negotiating	negotiate	VERB
cblr-1739	399	21	and	and	CCONJ
cblr-1739	399	22	bargaining	bargaining	NOUN
cblr-1739	399	23	over	over	ADP
cblr-1739	399	24	various	various	ADJ
cblr-1739	399	25	issues	issue	NOUN
cblr-1739	399	26	.	.	PUNCT
cblr-1739	400	1	see	see	VERB
cblr-1739	400	2	,	,	PUNCT
cblr-1739	400	3	e.g.	e.g.	ADV
cblr-1739	400	4	,	,	PUNCT
cblr-1739	400	5	alexia	alexia	PROPN
cblr-1739	400	6	brunet	brunet	PROPN
cblr-1739	400	7	marks	mark	NOUN
cblr-1739	400	8	,	,	PUNCT
cblr-1739	400	9	check	check	VERB
cblr-1739	400	10	please	please	INTJ
cblr-1739	400	11	:	:	PUNCT
cblr-1739	400	12	using	use	VERB
cblr-1739	400	13	legal	legal	ADJ
cblr-1739	400	14	liability	liability	NOUN
cblr-1739	400	15	to	to	PART
cblr-1739	400	16	inform	inform	VERB
cblr-1739	400	17	food	food	NOUN
cblr-1739	400	18	safety	safety	NOUN
cblr-1739	400	19	regulation	regulation	NOUN
cblr-1739	400	20	,	,	PUNCT
cblr-1739	400	21	50	50	NUM
cblr-1739	400	22	hous	hous	ADJ
cblr-1739	400	23	.	.	PUNCT
cblr-1739	401	1	l.	l.	PROPN
cblr-1739	401	2	rev	rev	PROPN
cblr-1739	401	3	.	.	PROPN
cblr-1739	401	4	723	723	NUM
cblr-1739	401	5	,	,	PUNCT
cblr-1739	401	6	728	728	NUM
cblr-1739	401	7	(	(	PUNCT
cblr-1739	401	8	2013	2013	NUM
cblr-1739	401	9	)	)	PUNCT
cblr-1739	401	10	.	.	PUNCT
cblr-1739	402	1	coase	coase	PROPN
cblr-1739	402	2	argued	argue	VERB
cblr-1739	402	3	that	that	SCONJ
cblr-1739	402	4	in	in	ADP
cblr-1739	402	5	a	a	DET
cblr-1739	402	6	world	world	NOUN
cblr-1739	402	7	with	with	ADP
cblr-1739	402	8	low	low	ADJ
cblr-1739	402	9	transaction	transaction	NOUN
cblr-1739	402	10	costs	cost	NOUN
cblr-1739	402	11	,	,	PUNCT
cblr-1739	402	12	it	it	PRON
cblr-1739	402	13	really	really	ADV
cblr-1739	402	14	does	do	AUX
cblr-1739	402	15	not	not	PART
cblr-1739	402	16	matter	matter	VERB
cblr-1739	402	17	how	how	SCONJ
cblr-1739	402	18	the	the	DET
cblr-1739	402	19	rights	right	NOUN
cblr-1739	402	20	are	be	AUX
cblr-1739	402	21	initially	initially	ADV
cblr-1739	402	22	allocated	allocate	VERB
cblr-1739	402	23	and	and	CCONJ
cblr-1739	402	24	that	that	SCONJ
cblr-1739	402	25	,	,	PUNCT
cblr-1739	402	26	once	once	ADV
cblr-1739	402	27	allocated	allocate	VERB
cblr-1739	402	28	,	,	PUNCT
cblr-1739	402	29	parties	party	NOUN
cblr-1739	402	30	can	can	AUX
cblr-1739	402	31	geslevich	geslevich	VERB
cblr-1739	402	32	packin	packin	PROPN
cblr-1739	402	33	&	&	CCONJ
cblr-1739	402	34	lev	lev	PROPN
cblr-1739	402	35	-	-	PUNCT
cblr-1739	402	36	aretz	aretz	PROPN
cblr-1739	402	37	–	–	PUNCT
cblr-1739	402	38	final	final	ADJ
cblr-1739	402	39	no	no	NOUN
cblr-1739	402	40	.	.	PUNCT
cblr-1739	403	1	2:339	2:339	NUM
cblr-1739	403	2	]	]	X
cblr-1739	403	3	on	on	ADP
cblr-1739	403	4	social	social	ADJ
cblr-1739	403	5	credit	credit	NOUN
cblr-1739	403	6	367	367	NUM
cblr-1739	403	7	consumers	consumer	NOUN
cblr-1739	403	8	constantly	constantly	ADV
cblr-1739	403	9	attempt	attempt	VERB
cblr-1739	403	10	to	to	PART
cblr-1739	403	11	adopt	adopt	VERB
cblr-1739	403	12	models	model	NOUN
cblr-1739	403	13	or	or	CCONJ
cblr-1739	403	14	methods	method	NOUN
cblr-1739	403	15	that	that	PRON
cblr-1739	403	16	will	will	AUX
cblr-1739	403	17	help	help	VERB
cblr-1739	403	18	them	they	PRON
cblr-1739	403	19	minimize	minimize	VERB
cblr-1739	403	20	costs	cost	NOUN
cblr-1739	403	21	.	.	PUNCT
cblr-1739	404	1	in	in	ADP
cblr-1739	404	2	recent	recent	ADJ
cblr-1739	404	3	years	year	NOUN
cblr-1739	404	4	,	,	PUNCT
cblr-1739	404	5	many	many	ADJ
cblr-1739	404	6	businesses	business	NOUN
cblr-1739	404	7	in	in	ADP
cblr-1739	404	8	different	different	ADJ
cblr-1739	404	9	industries	industry	NOUN
cblr-1739	404	10	have	have	AUX
cblr-1739	404	11	creatively	creatively	ADV
cblr-1739	404	12	come	come	VERB
cblr-1739	404	13	up	up	ADP
cblr-1739	404	14	with	with	ADP
cblr-1739	404	15	strategies	strategy	NOUN
cblr-1739	404	16	that	that	PRON
cblr-1739	404	17	provide	provide	VERB
cblr-1739	404	18	short	short	ADJ
cblr-1739	404	19	-	-	PUNCT
cblr-1739	404	20	term	term	NOUN
cblr-1739	404	21	rewards	reward	NOUN
cblr-1739	404	22	for	for	ADP
cblr-1739	404	23	consumers	consumer	NOUN
cblr-1739	404	24	that	that	PRON
cblr-1739	404	25	agree	agree	VERB
cblr-1739	404	26	to	to	PART
cblr-1739	404	27	share	share	VERB
cblr-1739	404	28	useful	useful	ADJ
cblr-1739	404	29	information	information	NOUN
cblr-1739	404	30	.	.	PUNCT
cblr-1739	405	1	the	the	DET
cblr-1739	405	2	last	last	ADJ
cblr-1739	405	3	few	few	ADJ
cblr-1739	405	4	years	year	NOUN
cblr-1739	405	5	have	have	AUX
cblr-1739	405	6	shown	show	VERB
cblr-1739	405	7	an	an	DET
cblr-1739	405	8	increase	increase	NOUN
cblr-1739	405	9	in	in	ADP
cblr-1739	405	10	consumers	consumer	NOUN
cblr-1739	405	11	’	'	PUNCT
cblr-1739	405	12	doxing	doxe	VERB
cblr-1739	405	13	themselves	themselves	PRON
cblr-1739	405	14	and	and	CCONJ
cblr-1739	405	15	their	their	PRON
cblr-1739	405	16	contacts	contact	NOUN
cblr-1739	405	17	in	in	ADP
cblr-1739	405	18	return	return	NOUN
cblr-1739	405	19	for	for	ADP
cblr-1739	405	20	incentives	incentive	NOUN
cblr-1739	405	21	,	,	PUNCT
cblr-1739	405	22	discounts	discount	NOUN
cblr-1739	405	23	,	,	PUNCT
cblr-1739	405	24	and	and	CCONJ
cblr-1739	405	25	other	other	ADJ
cblr-1739	405	26	benefits	benefit	NOUN
cblr-1739	405	27	.	.	PUNCT
cblr-1739	406	1	this	this	DET
cblr-1739	406	2	strategy	strategy	NOUN
cblr-1739	406	3	’s	’s	PART
cblr-1739	406	4	success	success	NOUN
cblr-1739	406	5	has	have	VERB
cblr-1739	406	6	the	the	DET
cblr-1739	406	7	potential	potential	NOUN
cblr-1739	406	8	to	to	PART
cblr-1739	406	9	make	make	VERB
cblr-1739	406	10	social	social	ADJ
cblr-1739	406	11	credit	credit	NOUN
cblr-1739	406	12	systems	system	NOUN
cblr-1739	406	13	mainstream	mainstream	NOUN
cblr-1739	406	14	,	,	PUNCT
cblr-1739	406	15	especially	especially	ADV
cblr-1739	406	16	if	if	SCONJ
cblr-1739	406	17	social	social	ADJ
cblr-1739	406	18	credit	credit	NOUN
cblr-1739	406	19	algorithms	algorithm	NOUN
cblr-1739	406	20	prove	prove	VERB
cblr-1739	406	21	to	to	PART
cblr-1739	406	22	be	be	AUX
cblr-1739	406	23	accurate	accurate	ADJ
cblr-1739	406	24	and	and	CCONJ
cblr-1739	406	25	profitable.117	profitable.117	VERB
cblr-1739	406	26	to	to	PART
cblr-1739	406	27	better	well	ADV
cblr-1739	406	28	understand	understand	VERB
cblr-1739	406	29	the	the	DET
cblr-1739	406	30	possible	possible	ADJ
cblr-1739	406	31	implications	implication	NOUN
cblr-1739	406	32	of	of	ADP
cblr-1739	406	33	these	these	DET
cblr-1739	406	34	systems	system	NOUN
cblr-1739	406	35	and	and	CCONJ
cblr-1739	406	36	strategies	strategy	NOUN
cblr-1739	406	37	,	,	PUNCT
cblr-1739	406	38	this	this	DET
cblr-1739	406	39	part	part	NOUN
cblr-1739	406	40	sets	set	VERB
cblr-1739	406	41	forth	forth	ADP
cblr-1739	406	42	an	an	DET
cblr-1739	406	43	analysis	analysis	NOUN
cblr-1739	406	44	of	of	ADP
cblr-1739	406	45	consumers	consumer	NOUN
cblr-1739	406	46	’	’	PART
cblr-1739	406	47	reactions	reaction	NOUN
cblr-1739	406	48	to	to	ADP
cblr-1739	406	49	social	social	ADJ
cblr-1739	406	50	credit	credit	NOUN
cblr-1739	406	51	and	and	CCONJ
cblr-1739	406	52	examines	examine	VERB
cblr-1739	406	53	their	their	PRON
cblr-1739	406	54	behavior	behavior	NOUN
cblr-1739	406	55	in	in	ADP
cblr-1739	406	56	personal	personal	ADJ
cblr-1739	406	57	information	information	NOUN
cblr-1739	406	58	markets	market	NOUN
cblr-1739	406	59	.	.	PUNCT
cblr-1739	407	1	specifically	specifically	ADV
cblr-1739	407	2	,	,	PUNCT
cblr-1739	407	3	the	the	DET
cblr-1739	407	4	analysis	analysis	NOUN
cblr-1739	407	5	looks	look	VERB
cblr-1739	407	6	at	at	ADP
cblr-1739	407	7	consumers	consumer	NOUN
cblr-1739	407	8	’	'	PUNCT
cblr-1739	407	9	willingness	willingness	NOUN
cblr-1739	407	10	or	or	CCONJ
cblr-1739	407	11	unwillingness	unwillingness	NOUN
cblr-1739	407	12	to	to	PART
cblr-1739	407	13	use	use	VERB
cblr-1739	407	14	social	social	ADJ
cblr-1739	407	15	networks	network	NOUN
cblr-1739	407	16	,	,	PUNCT
cblr-1739	407	17	given	give	VERB
cblr-1739	407	18	social	social	ADJ
cblr-1739	407	19	credit	credit	NOUN
cblr-1739	407	20	’s	’s	PART
cblr-1739	407	21	financial	financial	ADJ
cblr-1739	407	22	and	and	CCONJ
cblr-1739	407	23	social	social	ADJ
cblr-1739	407	24	aspects	aspect	NOUN
cblr-1739	407	25	.	.	PUNCT
cblr-1739	408	1	in	in	ADP
cblr-1739	408	2	addition	addition	NOUN
cblr-1739	408	3	to	to	ADP
cblr-1739	408	4	examining	examine	VERB
cblr-1739	408	5	the	the	DET
cblr-1739	408	6	incentives	incentive	NOUN
cblr-1739	408	7	and	and	CCONJ
cblr-1739	408	8	bounded	bound	VERB
cblr-1739	408	9	rationality	rationality	NOUN
cblr-1739	408	10	of	of	ADP
cblr-1739	408	11	consumers,118	consumers,118	PROPN
cblr-1739	408	12	this	this	DET
cblr-1739	408	13	part	part	NOUN
cblr-1739	408	14	emphasizes	emphasize	VERB
cblr-1739	408	15	the	the	DET
cblr-1739	408	16	financial	financial	ADJ
cblr-1739	408	17	and	and	CCONJ
cblr-1739	408	18	social	social	ADJ
cblr-1739	408	19	consequences	consequence	NOUN
cblr-1739	408	20	of	of	ADP
cblr-1739	408	21	a	a	DET
cblr-1739	408	22	consumer	consumer	NOUN
cblr-1739	408	23	’s	’s	PART
cblr-1739	408	24	decision	decision	NOUN
cblr-1739	408	25	to	to	PART
cblr-1739	408	26	participate	participate	VERB
cblr-1739	408	27	in	in	ADP
cblr-1739	408	28	or	or	CCONJ
cblr-1739	408	29	avoid	avoid	VERB
cblr-1739	408	30	social	social	ADJ
cblr-1739	408	31	networks.119	networks.119	NOUN
cblr-1739	408	32	we	we	PRON
cblr-1739	408	33	use	use	VERB
cblr-1739	408	34	insights	insight	NOUN
cblr-1739	408	35	from	from	ADP
cblr-1739	408	36	law	law	NOUN
cblr-1739	408	37	and	and	CCONJ
cblr-1739	408	38	economics	economic	NOUN
cblr-1739	408	39	,	,	PUNCT
cblr-1739	408	40	largely	largely	ADV
cblr-1739	408	41	building	build	VERB
cblr-1739	408	42	upon	upon	SCONJ
cblr-1739	408	43	the	the	DET
cblr-1739	408	44	then	then	ADV
cblr-1739	408	45	bargain	bargain	NOUN
cblr-1739	408	46	to	to	ADP
cblr-1739	408	47	an	an	DET
cblr-1739	408	48	efficient	efficient	ADJ
cblr-1739	408	49	allocation	allocation	NOUN
cblr-1739	408	50	of	of	ADP
cblr-1739	408	51	rights	right	NOUN
cblr-1739	408	52	.	.	PUNCT
cblr-1739	409	1	see	see	VERB
cblr-1739	409	2	generally	generally	ADV
cblr-1739	409	3	r.h	r.h	PROPN
cblr-1739	409	4	.	.	PROPN
cblr-1739	409	5	coase	coase	PROPN
cblr-1739	409	6	,	,	PUNCT
cblr-1739	409	7	the	the	DET
cblr-1739	409	8	problem	problem	NOUN
cblr-1739	409	9	of	of	ADP
cblr-1739	409	10	social	social	ADJ
cblr-1739	409	11	cost	cost	NOUN
cblr-1739	409	12	,	,	PUNCT
cblr-1739	409	13	56	56	NUM
cblr-1739	409	14	j.l	j.l	PROPN
cblr-1739	409	15	.	.	PROPN
cblr-1739	409	16	&	&	CCONJ
cblr-1739	409	17	econ	econ	PROPN
cblr-1739	409	18	.	.	PUNCT
cblr-1739	410	1	837	837	NUM
cblr-1739	410	2	(	(	PUNCT
cblr-1739	410	3	1960	1960	NUM
cblr-1739	410	4	)	)	PUNCT
cblr-1739	410	5	.	.	PUNCT
cblr-1739	411	1	117	117	NUM
cblr-1739	411	2	a	a	DET
cblr-1739	411	3	2015	2015	NUM
cblr-1739	411	4	study	study	NOUN
cblr-1739	411	5	by	by	ADP
cblr-1739	411	6	a	a	DET
cblr-1739	411	7	group	group	NOUN
cblr-1739	411	8	of	of	ADP
cblr-1739	411	9	researchers	researcher	NOUN
cblr-1739	411	10	from	from	ADP
cblr-1739	411	11	the	the	DET
cblr-1739	411	12	university	university	PROPN
cblr-1739	411	13	of	of	ADP
cblr-1739	411	14	pennsylvania	pennsylvania	PROPN
cblr-1739	411	15	found	find	VERB
cblr-1739	411	16	that	that	SCONJ
cblr-1739	411	17	the	the	DET
cblr-1739	411	18	impact	impact	NOUN
cblr-1739	411	19	of	of	ADP
cblr-1739	411	20	using	use	VERB
cblr-1739	411	21	network	network	NOUN
cblr-1739	411	22	-	-	PUNCT
cblr-1739	411	23	based	base	VERB
cblr-1739	411	24	measures	measure	NOUN
cblr-1739	411	25	on	on	ADP
cblr-1739	411	26	customer	customer	NOUN
cblr-1739	411	27	score	score	NOUN
cblr-1739	411	28	accuracy	accuracy	NOUN
cblr-1739	411	29	is	be	AUX
cblr-1739	411	30	ambiguous	ambiguous	ADJ
cblr-1739	411	31	.	.	PUNCT
cblr-1739	412	1	yanhao	yanhao	PROPN
cblr-1739	412	2	wei	wei	PROPN
cblr-1739	412	3	et	et	PROPN
cblr-1739	412	4	al	al	PROPN
cblr-1739	412	5	.	.	PROPN
cblr-1739	412	6	,	,	PUNCT
cblr-1739	412	7	credit	credit	NOUN
cblr-1739	412	8	scoring	scoring	NOUN
cblr-1739	412	9	with	with	ADP
cblr-1739	412	10	social	social	ADJ
cblr-1739	412	11	network	network	NOUN
cblr-1739	412	12	data	datum	NOUN
cblr-1739	412	13	,	,	PUNCT
cblr-1739	412	14	35	35	NUM
cblr-1739	412	15	marketing	marketing	NOUN
cblr-1739	412	16	sci	sci	PROPN
cblr-1739	412	17	.	.	PROPN
cblr-1739	413	1	234	234	NUM
cblr-1739	413	2	(	(	PUNCT
cblr-1739	413	3	2015	2015	NUM
cblr-1739	413	4	)	)	PUNCT
cblr-1739	413	5	,	,	PUNCT
cblr-1739	414	1	http://pubs	http://pub	NOUN
cblr-1739	414	2	online.informs.org/doi/abs/10.1287/mksc.2015.0949	online.informs.org/doi/abs/10.1287/mksc.2015.0949	X
cblr-1739	414	3	[	[	X
cblr-1739	414	4	https://perma.cc/f659wbp4	https://perma.cc/f659wbp4	X
cblr-1739	414	5	]	]	X
cblr-1739	414	6	.	.	PUNCT
cblr-1739	415	1	some	some	DET
cblr-1739	415	2	lenders	lender	NOUN
cblr-1739	415	3	have	have	AUX
cblr-1739	415	4	recently	recently	ADV
cblr-1739	415	5	voiced	voice	VERB
cblr-1739	415	6	doubts	doubt	NOUN
cblr-1739	415	7	as	as	ADP
cblr-1739	415	8	to	to	ADP
cblr-1739	415	9	the	the	DET
cblr-1739	415	10	effectiveness	effectiveness	NOUN
cblr-1739	415	11	of	of	ADP
cblr-1739	415	12	social	social	ADJ
cblr-1739	415	13	-	-	PUNCT
cblr-1739	415	14	media	media	NOUN
cblr-1739	415	15	data	datum	NOUN
cblr-1739	415	16	as	as	ADP
cblr-1739	415	17	the	the	DET
cblr-1739	415	18	sole	sole	ADJ
cblr-1739	415	19	source	source	NOUN
cblr-1739	415	20	to	to	PART
cblr-1739	415	21	judge	judge	NOUN
cblr-1739	415	22	creditworthiness	creditworthiness	PROPN
cblr-1739	415	23	.	.	PUNCT
cblr-1739	416	1	see	see	VERB
cblr-1739	416	2	demos	demos	PROPN
cblr-1739	416	3	&	&	CCONJ
cblr-1739	416	4	seetharaman	seetharaman	NOUN
cblr-1739	416	5	,	,	PUNCT
cblr-1739	416	6	supra	supra	PROPN
cblr-1739	416	7	note	note	NOUN
cblr-1739	416	8	93	93	NUM
cblr-1739	416	9	.	.	PUNCT
cblr-1739	417	1	nevertheless	nevertheless	ADV
cblr-1739	417	2	,	,	PUNCT
cblr-1739	417	3	many	many	ADJ
cblr-1739	417	4	businesses	business	NOUN
cblr-1739	417	5	admittedly	admittedly	ADV
cblr-1739	417	6	make	make	VERB
cblr-1739	417	7	use	use	NOUN
cblr-1739	417	8	of	of	ADP
cblr-1739	417	9	social	social	ADJ
cblr-1739	417	10	information	information	NOUN
cblr-1739	417	11	as	as	ADP
cblr-1739	417	12	an	an	DET
cblr-1739	417	13	additional	additional	ADJ
cblr-1739	417	14	source	source	NOUN
cblr-1739	417	15	of	of	ADP
cblr-1739	417	16	information	information	NOUN
cblr-1739	417	17	.	.	PUNCT
cblr-1739	418	1	furthermore	furthermore	ADV
cblr-1739	418	2	,	,	PUNCT
cblr-1739	418	3	the	the	DET
cblr-1739	418	4	consequences	consequence	NOUN
cblr-1739	418	5	described	describe	VERB
cblr-1739	418	6	in	in	ADP
cblr-1739	418	7	this	this	DET
cblr-1739	418	8	article	article	NOUN
cblr-1739	418	9	are	be	AUX
cblr-1739	418	10	likely	likely	ADJ
cblr-1739	418	11	to	to	PART
cblr-1739	418	12	materialize	materialize	VERB
cblr-1739	418	13	even	even	ADV
cblr-1739	418	14	if	if	SCONJ
cblr-1739	418	15	social	social	ADJ
cblr-1739	418	16	information	information	NOUN
cblr-1739	418	17	is	be	AUX
cblr-1739	418	18	not	not	PART
cblr-1739	418	19	the	the	DET
cblr-1739	418	20	main	main	ADJ
cblr-1739	418	21	factor	factor	NOUN
cblr-1739	418	22	driving	drive	VERB
cblr-1739	418	23	credit	credit	NOUN
cblr-1739	418	24	determination	determination	NOUN
cblr-1739	418	25	.	.	PUNCT
cblr-1739	419	1	118	118	NUM
cblr-1739	419	2	see	see	VERB
cblr-1739	419	3	christine	christine	PROPN
cblr-1739	419	4	jolls	jolls	PROPN
cblr-1739	419	5	et	et	PROPN
cblr-1739	419	6	al	al	PROPN
cblr-1739	419	7	.	.	PROPN
cblr-1739	419	8	,	,	PUNCT
cblr-1739	419	9	a	a	DET
cblr-1739	419	10	behavioral	behavioral	ADJ
cblr-1739	419	11	approach	approach	NOUN
cblr-1739	419	12	to	to	ADP
cblr-1739	419	13	law	law	NOUN
cblr-1739	419	14	and	and	CCONJ
cblr-1739	419	15	economics	economic	NOUN
cblr-1739	419	16	,	,	PUNCT
cblr-1739	419	17	50	50	NUM
cblr-1739	419	18	stan	stan	NOUN
cblr-1739	419	19	.	.	PUNCT
cblr-1739	420	1	l.	l.	PROPN
cblr-1739	420	2	rev	rev	PROPN
cblr-1739	420	3	.	.	PROPN
cblr-1739	420	4	1471	1471	NUM
cblr-1739	420	5	,	,	PUNCT
cblr-1739	420	6	1477–79	1477–79	ADV
cblr-1739	420	7	(	(	PUNCT
cblr-1739	420	8	1998	1998	NUM
cblr-1739	420	9	)	)	PUNCT
cblr-1739	420	10	,	,	PUNCT
cblr-1739	420	11	for	for	ADP
cblr-1739	420	12	a	a	DET
cblr-1739	420	13	description	description	NOUN
cblr-1739	420	14	of	of	ADP
cblr-1739	420	15	bounded	bounded	ADJ
cblr-1739	420	16	rationality	rationality	NOUN
cblr-1739	420	17	and	and	CCONJ
cblr-1739	420	18	bounded	bound	VERB
cblr-1739	420	19	will	will	NOUN
cblr-1739	420	20	-	-	PUNCT
cblr-1739	420	21	power	power	NOUN
cblr-1739	420	22	.	.	PUNCT
cblr-1739	421	1	119	119	NUM
cblr-1739	421	2	see	see	VERB
cblr-1739	421	3	julie	julie	PROPN
cblr-1739	421	4	cohen	cohen	PROPN
cblr-1739	421	5	,	,	PUNCT
cblr-1739	421	6	irrational	irrational	ADJ
cblr-1739	421	7	privacy	privacy	NOUN
cblr-1739	421	8	?	?	PUNCT
cblr-1739	421	9	,	,	PUNCT
cblr-1739	421	10	10	10	NUM
cblr-1739	421	11	j.	j.	PROPN
cblr-1739	421	12	telecomm	telecomm	PROPN
cblr-1739	421	13	.	.	PUNCT
cblr-1739	422	1	&	&	CCONJ
cblr-1739	423	1	high	high	PROPN
cblr-1739	423	2	tech	tech	NOUN
cblr-1739	423	3	.	.	PUNCT
cblr-1739	424	1	l.	l.	PROPN
cblr-1739	424	2	241	241	PROPN
cblr-1739	424	3	,	,	PUNCT
cblr-1739	424	4	243	243	NUM
cblr-1739	424	5	(	(	PUNCT
cblr-1739	424	6	2012	2012	NUM
cblr-1739	424	7	)	)	PUNCT
cblr-1739	424	8	.	.	PUNCT
cblr-1739	425	1	geslevich	geslevich	PROPN
cblr-1739	425	2	packin	packin	PROPN
cblr-1739	425	3	&	&	CCONJ
cblr-1739	425	4	lev	lev	PROPN
cblr-1739	425	5	-	-	PUNCT
cblr-1739	425	6	aretz	aretz	PROPN
cblr-1739	425	7	–	–	PUNCT
cblr-1739	425	8	final	final	ADJ
cblr-1739	425	9	368	368	NUM
cblr-1739	425	10	columbia	columbia	PROPN
cblr-1739	425	11	business	business	NOUN
cblr-1739	425	12	law	law	PROPN
cblr-1739	425	13	review	review	NOUN
cblr-1739	425	14	[	[	X
cblr-1739	425	15	vol	vol	NOUN
cblr-1739	425	16	.	.	NOUN
cblr-1739	425	17	2016	2016	NUM
cblr-1739	425	18	assumption	assumption	NOUN
cblr-1739	425	19	of	of	ADP
cblr-1739	425	20	individual	individual	ADJ
cblr-1739	425	21	rationality	rationality	NOUN
cblr-1739	425	22	.	.	PUNCT
cblr-1739	426	1	in	in	ADP
cblr-1739	426	2	predicting	predict	VERB
cblr-1739	426	3	consumers	consumer	NOUN
cblr-1739	426	4	’	’	PART
cblr-1739	426	5	preferences	preference	NOUN
cblr-1739	426	6	,	,	PUNCT
cblr-1739	426	7	behavioral	behavioral	ADJ
cblr-1739	426	8	law	law	NOUN
cblr-1739	426	9	and	and	CCONJ
cblr-1739	426	10	economics	economic	NOUN
cblr-1739	426	11	also	also	ADV
cblr-1739	426	12	contribute	contribute	VERB
cblr-1739	426	13	concepts	concept	NOUN
cblr-1739	426	14	useful	useful	ADJ
cblr-1739	426	15	for	for	ADP
cblr-1739	426	16	exploring	explore	VERB
cblr-1739	426	17	the	the	DET
cblr-1739	426	18	legal	legal	ADJ
cblr-1739	426	19	and	and	CCONJ
cblr-1739	426	20	policy	policy	NOUN
cblr-1739	426	21	implications	implication	NOUN
cblr-1739	426	22	of	of	ADP
cblr-1739	426	23	departures	departure	NOUN
cblr-1739	426	24	from	from	ADP
cblr-1739	426	25	rational	rational	ADJ
cblr-1739	426	26	choice	choice	NOUN
cblr-1739	426	27	behavior.120	behavior.120	ADJ
cblr-1739	426	28	in	in	ADP
cblr-1739	426	29	particular	particular	ADJ
cblr-1739	426	30	,	,	PUNCT
cblr-1739	426	31	findings	finding	NOUN
cblr-1739	426	32	in	in	ADP
cblr-1739	426	33	behavioral	behavioral	ADJ
cblr-1739	426	34	economics	economic	NOUN
cblr-1739	426	35	and	and	CCONJ
cblr-1739	426	36	cognitive	cognitive	ADJ
cblr-1739	426	37	psychology	psychology	NOUN
cblr-1739	426	38	show	show	VERB
cblr-1739	426	39	individuals	individual	NOUN
cblr-1739	426	40	sometimes	sometimes	ADV
cblr-1739	426	41	make	make	VERB
cblr-1739	426	42	decisions	decision	NOUN
cblr-1739	426	43	that	that	PRON
cblr-1739	426	44	are	be	AUX
cblr-1739	426	45	different	different	ADJ
cblr-1739	426	46	from	from	ADP
cblr-1739	426	47	what	what	PRON
cblr-1739	426	48	they	they	PRON
cblr-1739	426	49	would	would	AUX
cblr-1739	426	50	have	have	AUX
cblr-1739	426	51	made	make	VERB
cblr-1739	426	52	if	if	SCONJ
cblr-1739	426	53	they	they	PRON
cblr-1739	426	54	had	have	VERB
cblr-1739	426	55	complete	complete	ADJ
cblr-1739	426	56	information	information	NOUN
cblr-1739	426	57	,	,	PUNCT
cblr-1739	426	58	unlimited	unlimited	ADJ
cblr-1739	426	59	cognitive	cognitive	ADJ
cblr-1739	426	60	abilities	ability	NOUN
cblr-1739	426	61	,	,	PUNCT
cblr-1739	426	62	and	and	CCONJ
cblr-1739	426	63	no	no	DET
cblr-1739	426	64	lack	lack	NOUN
cblr-1739	426	65	of	of	ADP
cblr-1739	426	66	willpower.121	willpower.121	NOUN
cblr-1739	426	67	given	give	VERB
cblr-1739	426	68	that	that	SCONJ
cblr-1739	426	69	consumers	consumer	NOUN
cblr-1739	426	70	are	be	AUX
cblr-1739	426	71	prone	prone	ADJ
cblr-1739	426	72	to	to	ADP
cblr-1739	426	73	incomplete	incomplete	ADJ
cblr-1739	426	74	knowledge	knowledge	NOUN
cblr-1739	426	75	,	,	PUNCT
cblr-1739	426	76	cognitive	cognitive	ADJ
cblr-1739	426	77	bias	bias	NOUN
cblr-1739	426	78	,	,	PUNCT
cblr-1739	426	79	and	and	CCONJ
cblr-1739	426	80	passiveness	passiveness	NOUN
cblr-1739	426	81	,	,	PUNCT
cblr-1739	426	82	behavioral	behavioral	ADJ
cblr-1739	426	83	law	law	NOUN
cblr-1739	426	84	and	and	CCONJ
cblr-1739	426	85	economic	economic	ADJ
cblr-1739	426	86	analysis	analysis	NOUN
cblr-1739	426	87	may	may	AUX
cblr-1739	426	88	complete	complete	VERB
cblr-1739	426	89	the	the	DET
cblr-1739	426	90	picture	picture	NOUN
cblr-1739	426	91	drawn	draw	VERB
cblr-1739	426	92	by	by	ADP
cblr-1739	426	93	rationality	rationality	NOUN
cblr-1739	426	94	theories	theory	NOUN
cblr-1739	426	95	and	and	CCONJ
cblr-1739	426	96	help	help	VERB
cblr-1739	426	97	explain	explain	VERB
cblr-1739	426	98	decisions	decision	NOUN
cblr-1739	426	99	about	about	ADP
cblr-1739	426	100	social	social	ADJ
cblr-1739	426	101	credit	credit	NOUN
cblr-1739	426	102	.	.	PUNCT
cblr-1739	427	1	a.	a.	NOUN
cblr-1739	427	2	rationality	rationality	NOUN
cblr-1739	427	3	and	and	CCONJ
cblr-1739	427	4	decision	decision	NOUN
cblr-1739	427	5	-	-	PUNCT
cblr-1739	427	6	making	making	NOUN
cblr-1739	427	7	before	before	ADP
cblr-1739	427	8	moving	move	VERB
cblr-1739	427	9	on	on	ADP
cblr-1739	427	10	to	to	PART
cblr-1739	427	11	analyze	analyze	VERB
cblr-1739	427	12	consumers	consumer	NOUN
cblr-1739	427	13	’	’	PART
cblr-1739	427	14	decision	decision	NOUN
cblr-1739	427	15	-	-	PUNCT
cblr-1739	427	16	making	make	VERB
cblr-1739	427	17	processes	process	NOUN
cblr-1739	427	18	,	,	PUNCT
cblr-1739	427	19	we	we	PRON
cblr-1739	427	20	will	will	AUX
cblr-1739	427	21	lay	lay	VERB
cblr-1739	427	22	out	out	ADP
cblr-1739	427	23	the	the	DET
cblr-1739	427	24	theoretical	theoretical	ADJ
cblr-1739	427	25	foundations	foundation	NOUN
cblr-1739	427	26	for	for	ADP
cblr-1739	427	27	this	this	DET
cblr-1739	427	28	analysis	analysis	NOUN
cblr-1739	427	29	.	.	PUNCT
cblr-1739	428	1	in	in	ADP
cblr-1739	428	2	general	general	ADJ
cblr-1739	428	3	,	,	PUNCT
cblr-1739	428	4	rational	rational	ADJ
cblr-1739	428	5	actions	action	NOUN
cblr-1739	428	6	and	and	CCONJ
cblr-1739	428	7	beliefs	belief	NOUN
cblr-1739	428	8	are	be	AUX
cblr-1739	428	9	defined	define	VERB
cblr-1739	428	10	as	as	ADP
cblr-1739	428	11	“	"	PUNCT
cblr-1739	428	12	guided	guide	VERB
cblr-1739	428	13	by	by	ADP
cblr-1739	428	14	reason	reason	NOUN
cblr-1739	428	15	,	,	PUNCT
cblr-1739	428	16	principles	principle	NOUN
cblr-1739	428	17	,	,	PUNCT
cblr-1739	428	18	fairness	fairness	NOUN
cblr-1739	428	19	,	,	PUNCT
cblr-1739	428	20	[	[	X
cblr-1739	428	21	or	or	CCONJ
cblr-1739	428	22	]	]	X
cblr-1739	428	23	logic	logic	NOUN
cblr-1739	428	24	,	,	PUNCT
cblr-1739	428	25	”	"	PUNCT
cblr-1739	428	26	while	while	SCONJ
cblr-1739	428	27	irrational	irrational	ADJ
cblr-1739	428	28	decisions	decision	NOUN
cblr-1739	428	29	and	and	CCONJ
cblr-1739	428	30	beliefs	belief	NOUN
cblr-1739	428	31	are	be	AUX
cblr-1739	428	32	not.122	not.122	ADJ
cblr-1739	428	33	the	the	DET
cblr-1739	428	34	definition	definition	NOUN
cblr-1739	428	35	appears	appear	VERB
cblr-1739	428	36	to	to	PART
cblr-1739	428	37	be	be	AUX
cblr-1739	428	38	straightforward	straightforward	ADJ
cblr-1739	428	39	.	.	PUNCT
cblr-1739	429	1	yet	yet	CCONJ
cblr-1739	429	2	past	past	ADJ
cblr-1739	429	3	decades	decade	NOUN
cblr-1739	429	4	have	have	AUX
cblr-1739	429	5	seen	see	VERB
cblr-1739	429	6	countless	countless	ADJ
cblr-1739	429	7	disagreements	disagreement	NOUN
cblr-1739	429	8	among	among	ADP
cblr-1739	429	9	scholars	scholar	NOUN
cblr-1739	429	10	from	from	ADP
cblr-1739	429	11	different	different	ADJ
cblr-1739	429	12	120	120	NUM
cblr-1739	429	13	see	see	NOUN
cblr-1739	429	14	joshua	joshua	PROPN
cblr-1739	429	15	d.	d.	PROPN
cblr-1739	429	16	wright	wright	PROPN
cblr-1739	429	17	&	&	CCONJ
cblr-1739	429	18	douglas	douglas	PROPN
cblr-1739	429	19	h.	h.	PROPN
cblr-1739	429	20	ginsburg	ginsburg	PROPN
cblr-1739	429	21	,	,	PUNCT
cblr-1739	429	22	behavioral	behavioral	ADJ
cblr-1739	429	23	law	law	NOUN
cblr-1739	429	24	and	and	CCONJ
cblr-1739	429	25	economics	economic	NOUN
cblr-1739	429	26	:	:	PUNCT
cblr-1739	429	27	its	its	PRON
cblr-1739	429	28	origins	origin	NOUN
cblr-1739	429	29	,	,	PUNCT
cblr-1739	429	30	fatal	fatal	ADJ
cblr-1739	429	31	flaws	flaw	NOUN
cblr-1739	429	32	,	,	PUNCT
cblr-1739	429	33	and	and	CCONJ
cblr-1739	429	34	implications	implication	NOUN
cblr-1739	429	35	for	for	ADP
cblr-1739	429	36	liberty	liberty	NOUN
cblr-1739	429	37	,	,	PUNCT
cblr-1739	429	38	106	106	NUM
cblr-1739	429	39	nw	nw	NOUN
cblr-1739	429	40	.	.	PUNCT
cblr-1739	429	41	u.	u.	PROPN
cblr-1739	429	42	l.	l.	PROPN
cblr-1739	429	43	rev	rev	PROPN
cblr-1739	429	44	.	.	PROPN
cblr-1739	429	45	1033	1033	NUM
cblr-1739	429	46	,	,	PUNCT
cblr-1739	429	47	1034–35	1034–35	NUM
cblr-1739	429	48	(	(	PUNCT
cblr-1739	429	49	2012	2012	NUM
cblr-1739	429	50	)	)	PUNCT
cblr-1739	429	51	(	(	PUNCT
cblr-1739	429	52	explaining	explain	VERB
cblr-1739	429	53	that	that	SCONJ
cblr-1739	429	54	the	the	DET
cblr-1739	429	55	“	"	PUNCT
cblr-1739	429	56	behavioral	behavioral	ADJ
cblr-1739	429	57	law	law	NOUN
cblr-1739	429	58	and	and	CCONJ
cblr-1739	429	59	economics	economic	NOUN
cblr-1739	429	60	regulatory	regulatory	ADJ
cblr-1739	429	61	agenda	agenda	NOUN
cblr-1739	429	62	reflects	reflect	VERB
cblr-1739	429	63	a	a	DET
cblr-1739	429	64	common	common	ADJ
cblr-1739	429	65	philosophical	philosophical	ADJ
cblr-1739	429	66	source	source	NOUN
cblr-1739	429	67	—	—	PUNCT
cblr-1739	429	68	so	so	ADV
cblr-1739	429	69	-	-	PUNCT
cblr-1739	429	70	called	call	VERB
cblr-1739	429	71	libertarian	libertarian	ADJ
cblr-1739	429	72	paternalism	paternalism	NOUN
cblr-1739	429	73	,	,	PUNCT
cblr-1739	429	74	”	"	PUNCT
cblr-1739	429	75	and	and	CCONJ
cblr-1739	429	76	attempts	attempt	VERB
cblr-1739	429	77	to	to	PART
cblr-1739	429	78	“	"	PUNCT
cblr-1739	429	79	regulate	regulate	VERB
cblr-1739	429	80	so	so	SCONJ
cblr-1739	429	81	as	as	SCONJ
cblr-1739	429	82	to	to	PART
cblr-1739	429	83	improve	improve	VERB
cblr-1739	429	84	economic	economic	ADJ
cblr-1739	429	85	welfare	welfare	NOUN
cblr-1739	429	86	by	by	ADP
cblr-1739	429	87	more	more	ADV
cblr-1739	429	88	closely	closely	ADV
cblr-1739	429	89	aligning	align	VERB
cblr-1739	429	90	each	each	DET
cblr-1739	429	91	individual	individual	NOUN
cblr-1739	429	92	’s	’s	PART
cblr-1739	429	93	actual	actual	ADJ
cblr-1739	429	94	choices	choice	NOUN
cblr-1739	429	95	with	with	ADP
cblr-1739	429	96	his	his	PRON
cblr-1739	429	97	‘	'	PUNCT
cblr-1739	429	98	true	true	ADJ
cblr-1739	429	99	’	'	PUNCT
cblr-1739	429	100	or	or	CCONJ
cblr-1739	429	101	unbiased	unbiased	ADJ
cblr-1739	429	102	preferences	preference	NOUN
cblr-1739	429	103	without	without	ADP
cblr-1739	429	104	reducing	reduce	VERB
cblr-1739	429	105	his	his	PRON
cblr-1739	429	106	liberty	liberty	NOUN
cblr-1739	429	107	,	,	PUNCT
cblr-1739	429	108	at	at	ADV
cblr-1739	429	109	least	least	ADJ
cblr-1739	429	110	as	as	SCONJ
cblr-1739	429	111	it	it	PRON
cblr-1739	429	112	is	be	AUX
cblr-1739	429	113	represented	represent	VERB
cblr-1739	429	114	by	by	ADP
cblr-1739	429	115	the	the	DET
cblr-1739	429	116	choices	choice	NOUN
cblr-1739	429	117	available	available	ADJ
cblr-1739	429	118	to	to	ADP
cblr-1739	429	119	him	he	PRON
cblr-1739	429	120	.	.	PUNCT
cblr-1739	429	121	”	"	PUNCT
cblr-1739	430	1	wright	wright	PROPN
cblr-1739	430	2	&	&	CCONJ
cblr-1739	430	3	ginsburg	ginsburg	PROPN
cblr-1739	430	4	argue	argue	PROPN
cblr-1739	430	5	,	,	PUNCT
cblr-1739	430	6	however	however	ADV
cblr-1739	430	7	,	,	PUNCT
cblr-1739	430	8	that	that	SCONJ
cblr-1739	430	9	“	"	PUNCT
cblr-1739	430	10	so	so	ADV
cblr-1739	430	11	long	long	ADV
cblr-1739	430	12	as	as	SCONJ
cblr-1739	430	13	libertarian	libertarian	ADJ
cblr-1739	430	14	paternalism	paternalism	NOUN
cblr-1739	430	15	ignores	ignore	VERB
cblr-1739	430	16	the	the	DET
cblr-1739	430	17	economic	economic	ADJ
cblr-1739	430	18	welfare	welfare	NOUN
cblr-1739	430	19	and	and	CCONJ
cblr-1739	430	20	liberty	liberty	NOUN
cblr-1739	430	21	value	value	NOUN
cblr-1739	430	22	of	of	ADP
cblr-1739	430	23	allowing	allow	VERB
cblr-1739	430	24	individuals	individual	NOUN
cblr-1739	430	25	the	the	DET
cblr-1739	430	26	freedom	freedom	NOUN
cblr-1739	430	27	to	to	ADP
cblr-1739	430	28	err	err	VERB
cblr-1739	430	29	,	,	PUNCT
cblr-1739	430	30	it	it	PRON
cblr-1739	430	31	will	will	AUX
cblr-1739	430	32	fail	fail	VERB
cblr-1739	430	33	to	to	PART
cblr-1739	430	34	achieve	achieve	VERB
cblr-1739	430	35	its	its	PRON
cblr-1739	430	36	goal	goal	NOUN
cblr-1739	430	37	of	of	ADP
cblr-1739	430	38	increasing	increase	VERB
cblr-1739	430	39	welfare	welfare	NOUN
cblr-1739	430	40	without	without	ADP
cblr-1739	430	41	reducing	reduce	VERB
cblr-1739	430	42	liberty	liberty	NOUN
cblr-1739	430	43	and	and	CCONJ
cblr-1739	430	44	will	will	AUX
cblr-1739	430	45	pose	pose	VERB
cblr-1739	430	46	a	a	DET
cblr-1739	430	47	significant	significant	ADJ
cblr-1739	430	48	risk	risk	NOUN
cblr-1739	430	49	of	of	ADP
cblr-1739	430	50	reducing	reduce	VERB
cblr-1739	430	51	both	both	PRON
cblr-1739	430	52	.	.	PUNCT
cblr-1739	430	53	”	"	PUNCT
cblr-1739	430	54	)	)	PUNCT
cblr-1739	430	55	.	.	PUNCT
cblr-1739	431	1	121	121	NUM
cblr-1739	431	2	see	see	VERB
cblr-1739	431	3	cass	cass	PROPN
cblr-1739	431	4	r.	r.	PROPN
cblr-1739	431	5	sunstein	sunstein	PROPN
cblr-1739	431	6	&	&	CCONJ
cblr-1739	431	7	richard	richard	PROPN
cblr-1739	431	8	h.	h.	PROPN
cblr-1739	431	9	thaler	thaler	PROPN
cblr-1739	431	10	,	,	PUNCT
cblr-1739	431	11	libertarian	libertarian	ADJ
cblr-1739	431	12	paternalism	paternalism	NOUN
cblr-1739	431	13	is	be	AUX
cblr-1739	431	14	not	not	PART
cblr-1739	431	15	an	an	DET
cblr-1739	431	16	oxymoron	oxymoron	NOUN
cblr-1739	431	17	,	,	PUNCT
cblr-1739	431	18	70	70	NUM
cblr-1739	431	19	u.	u.	NOUN
cblr-1739	431	20	chi	chi	PROPN
cblr-1739	431	21	.	.	PUNCT
cblr-1739	432	1	l.	l.	PROPN
cblr-1739	432	2	rev	rev	PROPN
cblr-1739	432	3	.	.	PROPN
cblr-1739	432	4	1159	1159	NUM
cblr-1739	432	5	,	,	PUNCT
cblr-1739	432	6	1160	1160	NUM
cblr-1739	432	7	(	(	PUNCT
cblr-1739	432	8	2003	2003	NUM
cblr-1739	432	9	)	)	PUNCT
cblr-1739	432	10	.	.	PUNCT
cblr-1739	433	1	122	122	NUM
cblr-1739	433	2	rational	rational	ADJ
cblr-1739	433	3	,	,	PUNCT
cblr-1739	433	4	merriam	merriam	PROPN
cblr-1739	433	5	-	-	PUNCT
cblr-1739	433	6	webster	webster	PROPN
cblr-1739	433	7	’s	’s	PART
cblr-1739	433	8	dictionary	dictionary	NOUN
cblr-1739	433	9	of	of	ADP
cblr-1739	433	10	law	law	NOUN
cblr-1739	433	11	400–01	400–01	PROPN
cblr-1739	433	12	(	(	PUNCT
cblr-1739	433	13	2011	2011	NUM
cblr-1739	433	14	)	)	PUNCT
cblr-1739	433	15	.	.	PUNCT
cblr-1739	434	1	see	see	VERB
cblr-1739	434	2	also	also	ADV
cblr-1739	434	3	rational	rational	ADJ
cblr-1739	434	4	,	,	PUNCT
cblr-1739	434	5	oxford	oxford	PROPN
cblr-1739	434	6	american	american	PROPN
cblr-1739	434	7	dictionary	dictionary	PROPN
cblr-1739	434	8	of	of	ADP
cblr-1739	434	9	current	current	ADJ
cblr-1739	434	10	english	english	PROPN
cblr-1739	434	11	661	661	NUM
cblr-1739	434	12	(	(	PUNCT
cblr-1739	434	13	3d	3d	PROPN
cblr-1739	434	14	ed	ed	NOUN
cblr-1739	434	15	.	.	PROPN
cblr-1739	434	16	1999	1999	NUM
cblr-1739	434	17	)	)	PUNCT
cblr-1739	434	18	.	.	PUNCT
cblr-1739	435	1	geslevich	geslevich	PROPN
cblr-1739	435	2	packin	packin	PROPN
cblr-1739	435	3	&	&	CCONJ
cblr-1739	435	4	lev	lev	PROPN
cblr-1739	435	5	-	-	PUNCT
cblr-1739	435	6	aretz	aretz	PROPN
cblr-1739	435	7	–	–	PUNCT
cblr-1739	435	8	final	final	ADJ
cblr-1739	435	9	no	no	NOUN
cblr-1739	435	10	.	.	PUNCT
cblr-1739	436	1	2:339	2:339	NUM
cblr-1739	436	2	]	]	X
cblr-1739	436	3	on	on	ADP
cblr-1739	436	4	social	social	ADJ
cblr-1739	436	5	credit	credit	NOUN
cblr-1739	436	6	369	369	NUM
cblr-1739	436	7	schools	school	NOUN
cblr-1739	436	8	of	of	ADP
cblr-1739	436	9	thought	thought	NOUN
cblr-1739	436	10	as	as	ADP
cblr-1739	436	11	to	to	ADP
cblr-1739	436	12	what	what	PRON
cblr-1739	436	13	it	it	PRON
cblr-1739	436	14	means	mean	VERB
cblr-1739	436	15	for	for	SCONJ
cblr-1739	436	16	individuals	individual	NOUN
cblr-1739	436	17	to	to	PART
cblr-1739	436	18	behave	behave	VERB
cblr-1739	436	19	in	in	ADP
cblr-1739	436	20	a	a	DET
cblr-1739	436	21	rational	rational	ADJ
cblr-1739	436	22	way.123	way.123	NOUN
cblr-1739	436	23	the	the	DET
cblr-1739	436	24	neoclassical	neoclassical	ADJ
cblr-1739	436	25	economic	economic	ADJ
cblr-1739	436	26	theory	theory	NOUN
cblr-1739	436	27	builds	build	VERB
cblr-1739	436	28	upon	upon	SCONJ
cblr-1739	436	29	the	the	DET
cblr-1739	436	30	foundational	foundational	ADJ
cblr-1739	436	31	assumption	assumption	NOUN
cblr-1739	436	32	that	that	SCONJ
cblr-1739	436	33	economic	economic	ADJ
cblr-1739	436	34	individuals	individual	NOUN
cblr-1739	436	35	are	be	AUX
cblr-1739	436	36	rational	rational	ADJ
cblr-1739	436	37	maximizers	maximizer	NOUN
cblr-1739	436	38	of	of	ADP
cblr-1739	436	39	utility.124	utility.124	NOUN
cblr-1739	436	40	in	in	ADP
cblr-1739	436	41	a	a	DET
cblr-1739	436	42	world	world	NOUN
cblr-1739	436	43	of	of	ADP
cblr-1739	436	44	“	"	PUNCT
cblr-1739	436	45	perfect	perfect	ADJ
cblr-1739	436	46	competition	competition	NOUN
cblr-1739	436	47	,	,	PUNCT
cblr-1739	436	48	”	"	PUNCT
cblr-1739	436	49	goes	go	VERB
cblr-1739	436	50	the	the	DET
cblr-1739	436	51	claim	claim	NOUN
cblr-1739	436	52	,	,	PUNCT
cblr-1739	436	53	economic	economic	ADJ
cblr-1739	436	54	individuals	individual	NOUN
cblr-1739	436	55	are	be	AUX
cblr-1739	436	56	presumed	presume	VERB
cblr-1739	436	57	to	to	PART
cblr-1739	436	58	all	all	PRON
cblr-1739	436	59	be	be	AUX
cblr-1739	436	60	somewhat	somewhat	ADV
cblr-1739	436	61	similar	similar	ADJ
cblr-1739	436	62	,	,	PUNCT
cblr-1739	436	63	never	never	ADV
cblr-1739	436	64	err	err	VERB
cblr-1739	436	65	,	,	PUNCT
cblr-1739	436	66	and	and	CCONJ
cblr-1739	436	67	avoid	avoid	VERB
cblr-1739	436	68	any	any	DET
cblr-1739	436	69	information	information	NOUN
cblr-1739	436	70	costs	cost	NOUN
cblr-1739	436	71	.	.	PUNCT
cblr-1739	437	1	as	as	ADP
cblr-1739	437	2	a	a	DET
cblr-1739	437	3	result	result	NOUN
cblr-1739	437	4	,	,	PUNCT
cblr-1739	437	5	the	the	DET
cblr-1739	437	6	model	model	NOUN
cblr-1739	437	7	predicts	predict	VERB
cblr-1739	437	8	that	that	SCONJ
cblr-1739	437	9	resources	resource	NOUN
cblr-1739	437	10	are	be	AUX
cblr-1739	437	11	always	always	ADV
cblr-1739	437	12	and	and	CCONJ
cblr-1739	437	13	instantly	instantly	ADV
cblr-1739	437	14	directed	direct	VERB
cblr-1739	437	15	to	to	ADP
cblr-1739	437	16	their	their	PRON
cblr-1739	437	17	highest	high	ADJ
cblr-1739	437	18	value	value	NOUN
cblr-1739	437	19	use.125	use.125	NOUN
cblr-1739	437	20	however	however	ADV
cblr-1739	437	21	,	,	PUNCT
cblr-1739	437	22	because	because	SCONJ
cblr-1739	437	23	competitive	competitive	ADJ
cblr-1739	437	24	activities	activity	NOUN
cblr-1739	437	25	of	of	ADP
cblr-1739	437	26	economic	economic	ADJ
cblr-1739	437	27	agents	agent	NOUN
cblr-1739	437	28	in	in	ADP
cblr-1739	437	29	the	the	DET
cblr-1739	437	30	real	real	ADJ
cblr-1739	437	31	world	world	NOUN
cblr-1739	437	32	rarely	rarely	ADV
cblr-1739	437	33	conform	conform	VERB
cblr-1739	437	34	to	to	ADP
cblr-1739	437	35	the	the	DET
cblr-1739	437	36	definition	definition	NOUN
cblr-1739	437	37	of	of	ADP
cblr-1739	437	38	perfect	perfect	ADJ
cblr-1739	437	39	competition	competition	NOUN
cblr-1739	437	40	,	,	PUNCT
cblr-1739	437	41	many	many	ADJ
cblr-1739	437	42	criticize	criticize	VERB
cblr-1739	437	43	the	the	DET
cblr-1739	437	44	neoclassical	neoclassical	ADJ
cblr-1739	437	45	economic	economic	ADJ
cblr-1739	437	46	theory	theory	NOUN
cblr-1739	437	47	as	as	ADP
cblr-1739	437	48	unhelpful.126	unhelpful.126	NOUN
cblr-1739	437	49	in	in	ADP
cblr-1739	437	50	the	the	DET
cblr-1739	437	51	last	last	ADJ
cblr-1739	437	52	half	half	NOUN
cblr-1739	437	53	of	of	ADP
cblr-1739	437	54	the	the	DET
cblr-1739	437	55	twentieth	twentieth	ADJ
cblr-1739	437	56	century	century	NOUN
cblr-1739	437	57	,	,	PUNCT
cblr-1739	437	58	following	follow	VERB
cblr-1739	437	59	decades	decade	NOUN
cblr-1739	437	60	of	of	ADP
cblr-1739	437	61	focus	focus	NOUN
cblr-1739	437	62	on	on	ADP
cblr-1739	437	63	the	the	DET
cblr-1739	437	64	roles	role	NOUN
cblr-1739	437	65	of	of	ADP
cblr-1739	437	66	markets	market	NOUN
cblr-1739	437	67	and	and	CCONJ
cblr-1739	437	68	governments	government	NOUN
cblr-1739	437	69	in	in	ADP
cblr-1739	437	70	allocating	allocate	VERB
cblr-1739	437	71	resources	resource	NOUN
cblr-1739	437	72	,	,	PUNCT
cblr-1739	437	73	scholars	scholar	NOUN
cblr-1739	437	74	started	start	VERB
cblr-1739	437	75	extending	extend	VERB
cblr-1739	437	76	neoclassical	neoclassical	ADJ
cblr-1739	437	77	theory	theory	NOUN
cblr-1739	437	78	to	to	PART
cblr-1739	437	79	incorporate	incorporate	VERB
cblr-1739	437	80	some	some	DET
cblr-1739	437	81	issues	issue	NOUN
cblr-1739	437	82	identified	identify	VERB
cblr-1739	437	83	in	in	ADP
cblr-1739	437	84	real	real	ADJ
cblr-1739	437	85	-	-	PUNCT
cblr-1739	437	86	world	world	NOUN
cblr-1739	437	87	markets.127	markets.127	NOUN
cblr-1739	437	88	the	the	DET
cblr-1739	437	89	broadening	broadening	NOUN
cblr-1739	437	90	of	of	ADP
cblr-1739	437	91	the	the	DET
cblr-1739	437	92	theory	theory	NOUN
cblr-1739	437	93	has	have	AUX
cblr-1739	437	94	factored	factor	VERB
cblr-1739	437	95	in	in	ADP
cblr-1739	437	96	the	the	DET
cblr-1739	437	97	123	123	NUM
cblr-1739	437	98	see	see	NOUN
cblr-1739	437	99	,	,	PUNCT
cblr-1739	437	100	e.g.	e.g.	ADV
cblr-1739	437	101	,	,	PUNCT
cblr-1739	437	102	jeanne	jeanne	PROPN
cblr-1739	437	103	l.	l.	PROPN
cblr-1739	437	104	schroeder	schroeder	PROPN
cblr-1739	437	105	,	,	PUNCT
cblr-1739	437	106	rationality	rationality	NOUN
cblr-1739	437	107	in	in	ADP
cblr-1739	437	108	law	law	NOUN
cblr-1739	437	109	and	and	CCONJ
cblr-1739	437	110	economics	economic	NOUN
cblr-1739	437	111	scholarship	scholarship	NOUN
cblr-1739	437	112	,	,	PUNCT
cblr-1739	437	113	79	79	NUM
cblr-1739	437	114	or	or	CCONJ
cblr-1739	437	115	.	.	PUNCT
cblr-1739	438	1	l.	l.	PROPN
cblr-1739	438	2	rev	rev	PROPN
cblr-1739	438	3	.	.	PROPN
cblr-1739	439	1	147	147	NUM
cblr-1739	439	2	(	(	PUNCT
cblr-1739	439	3	2000	2000	NUM
cblr-1739	439	4	)	)	PUNCT
cblr-1739	439	5	(	(	PUNCT
cblr-1739	439	6	contrasting	contrast	VERB
cblr-1739	439	7	judge	judge	PROPN
cblr-1739	439	8	richard	richard	PROPN
cblr-1739	439	9	posner	posner	PROPN
cblr-1739	439	10	’s	’s	PART
cblr-1739	439	11	conception	conception	NOUN
cblr-1739	439	12	of	of	ADP
cblr-1739	439	13	rational	rational	ADJ
cblr-1739	439	14	choice	choice	NOUN
cblr-1739	439	15	theory	theory	NOUN
cblr-1739	439	16	with	with	ADP
cblr-1739	439	17	those	those	PRON
cblr-1739	439	18	of	of	ADP
cblr-1739	439	19	a	a	DET
cblr-1739	439	20	number	number	NOUN
cblr-1739	439	21	of	of	ADP
cblr-1739	439	22	scholars	scholar	NOUN
cblr-1739	439	23	who	who	PRON
cblr-1739	439	24	support	support	VERB
cblr-1739	439	25	models	model	NOUN
cblr-1739	439	26	of	of	ADP
cblr-1739	439	27	rationality	rationality	NOUN
cblr-1739	439	28	,	,	PUNCT
cblr-1739	439	29	such	such	ADJ
cblr-1739	439	30	as	as	ADP
cblr-1739	439	31	gary	gary	PROPN
cblr-1739	439	32	becker	becker	PROPN
cblr-1739	439	33	,	,	PUNCT
cblr-1739	439	34	ronald	ronald	PROPN
cblr-1739	439	35	coase	coase	PROPN
cblr-1739	439	36	,	,	PUNCT
cblr-1739	439	37	paul	paul	PROPN
cblr-1739	439	38	samuelson	samuelson	PROPN
cblr-1739	439	39	,	,	PUNCT
cblr-1739	439	40	and	and	CCONJ
cblr-1739	439	41	george	george	NOUN
cblr-1739	439	42	stigler	stigler	NOUN
cblr-1739	439	43	,	,	PUNCT
cblr-1739	439	44	as	as	ADV
cblr-1739	439	45	well	well	ADV
cblr-1739	439	46	as	as	ADP
cblr-1739	439	47	scholars	scholar	NOUN
cblr-1739	439	48	who	who	PRON
cblr-1739	439	49	are	be	AUX
cblr-1739	439	50	critical	critical	ADJ
cblr-1739	439	51	of	of	ADP
cblr-1739	439	52	the	the	DET
cblr-1739	439	53	rational	rational	ADJ
cblr-1739	439	54	choice	choice	NOUN
cblr-1739	439	55	literature	literature	NOUN
cblr-1739	439	56	,	,	PUNCT
cblr-1739	439	57	such	such	ADJ
cblr-1739	439	58	as	as	ADP
cblr-1739	439	59	amartya	amartya	PROPN
cblr-1739	439	60	sen	sen	PROPN
cblr-1739	439	61	and	and	CCONJ
cblr-1739	439	62	herbert	herbert	PROPN
cblr-1739	439	63	simon	simon	PROPN
cblr-1739	439	64	)	)	PUNCT
cblr-1739	439	65	.	.	PUNCT
cblr-1739	440	1	124	124	NUM
cblr-1739	440	2	utility	utility	NOUN
cblr-1739	440	3	is	be	AUX
cblr-1739	440	4	the	the	DET
cblr-1739	440	5	level	level	NOUN
cblr-1739	440	6	of	of	ADP
cblr-1739	440	7	satisfaction	satisfaction	NOUN
cblr-1739	440	8	that	that	PRON
cblr-1739	440	9	an	an	DET
cblr-1739	440	10	individual	individual	NOUN
cblr-1739	440	11	achieves	achieve	VERB
cblr-1739	440	12	from	from	ADP
cblr-1739	440	13	consuming	consume	VERB
cblr-1739	440	14	a	a	DET
cblr-1739	440	15	good	good	NOUN
cblr-1739	440	16	or	or	CCONJ
cblr-1739	440	17	undertaking	undertake	VERB
cblr-1739	440	18	an	an	DET
cblr-1739	440	19	activity	activity	NOUN
cblr-1739	440	20	.	.	PUNCT
cblr-1739	441	1	see	see	VERB
cblr-1739	441	2	ronald	ronald	PROPN
cblr-1739	441	3	h.	h.	PROPN
cblr-1739	441	4	coase	coase	PROPN
cblr-1739	441	5	,	,	PUNCT
cblr-1739	441	6	the	the	DET
cblr-1739	441	7	new	new	ADJ
cblr-1739	441	8	institutional	institutional	ADJ
cblr-1739	441	9	economics	economic	NOUN
cblr-1739	441	10	,	,	PUNCT
cblr-1739	441	11	140	140	NUM
cblr-1739	441	12	j.	j.	PROPN
cblr-1739	441	13	institutional	institutional	PROPN
cblr-1739	441	14	&	&	CCONJ
cblr-1739	441	15	theoretical	theoretical	PROPN
cblr-1739	441	16	econ	econ	PROPN
cblr-1739	441	17	.	.	PUNCT
cblr-1739	442	1	229	229	NUM
cblr-1739	442	2	,	,	PUNCT
cblr-1739	442	3	231	231	NUM
cblr-1739	442	4	(	(	PUNCT
cblr-1739	442	5	1984	1984	NUM
cblr-1739	442	6	)	)	PUNCT
cblr-1739	442	7	.	.	PUNCT
cblr-1739	443	1	however	however	ADV
cblr-1739	443	2	,	,	PUNCT
cblr-1739	443	3	note	note	VERB
cblr-1739	443	4	that	that	SCONJ
cblr-1739	443	5	coase	coase	PROPN
cblr-1739	443	6	himself	himself	PRON
cblr-1739	443	7	rejects	reject	VERB
cblr-1739	443	8	this	this	DET
cblr-1739	443	9	idea	idea	NOUN
cblr-1739	443	10	.	.	PUNCT
cblr-1739	444	1	125	125	NUM
cblr-1739	444	2	see	see	VERB
cblr-1739	444	3	armen	armen	PROPN
cblr-1739	444	4	a.	a.	PROPN
cblr-1739	444	5	alchian	alchian	PROPN
cblr-1739	444	6	&	&	CCONJ
cblr-1739	444	7	william	william	PROPN
cblr-1739	444	8	r.	r.	PROPN
cblr-1739	444	9	allen	allen	PROPN
cblr-1739	444	10	,	,	PUNCT
cblr-1739	444	11	university	university	NOUN
cblr-1739	444	12	economics	economic	NOUN
cblr-1739	444	13	114	114	NUM
cblr-1739	444	14	(	(	PUNCT
cblr-1739	444	15	3d	3d	NUM
cblr-1739	444	16	ed	ed	NOUN
cblr-1739	444	17	.	.	PROPN
cblr-1739	444	18	1972	1972	NUM
cblr-1739	444	19	)	)	PUNCT
cblr-1739	444	20	.	.	PUNCT
cblr-1739	445	1	126	126	NUM
cblr-1739	445	2	see	see	VERB
cblr-1739	445	3	harold	harold	PROPN
cblr-1739	445	4	demsetz	demsetz	PROPN
cblr-1739	445	5	,	,	PUNCT
cblr-1739	445	6	the	the	DET
cblr-1739	445	7	theory	theory	NOUN
cblr-1739	445	8	of	of	ADP
cblr-1739	445	9	the	the	DET
cblr-1739	445	10	firm	firm	NOUN
cblr-1739	445	11	revisited	revisit	VERB
cblr-1739	445	12	,	,	PUNCT
cblr-1739	445	13	4	4	NUM
cblr-1739	445	14	j.l	j.l	PROPN
cblr-1739	445	15	.	.	PROPN
cblr-1739	445	16	econ	econ	PROPN
cblr-1739	445	17	.	.	PROPN
cblr-1739	445	18	&	&	CCONJ
cblr-1739	445	19	org	org	PROPN
cblr-1739	445	20	.	.	PROPN
cblr-1739	446	1	141	141	NUM
cblr-1739	446	2	,	,	PUNCT
cblr-1739	446	3	142	142	NUM
cblr-1739	446	4	(	(	PUNCT
cblr-1739	446	5	1988	1988	NUM
cblr-1739	446	6	)	)	PUNCT
cblr-1739	446	7	(	(	PUNCT
cblr-1739	446	8	explaining	explain	VERB
cblr-1739	446	9	that	that	SCONJ
cblr-1739	446	10	the	the	DET
cblr-1739	446	11	neoclassical	neoclassical	ADJ
cblr-1739	446	12	model	model	NOUN
cblr-1739	446	13	is	be	AUX
cblr-1739	446	14	better	well	ADV
cblr-1739	446	15	described	describe	VERB
cblr-1739	446	16	as	as	ADP
cblr-1739	446	17	a	a	DET
cblr-1739	446	18	model	model	NOUN
cblr-1739	446	19	that	that	PRON
cblr-1739	446	20	demonstrates	demonstrate	VERB
cblr-1739	446	21	the	the	DET
cblr-1739	446	22	relative	relative	ADJ
cblr-1739	446	23	efficiency	efficiency	NOUN
cblr-1739	446	24	of	of	ADP
cblr-1739	446	25	decentralized	decentralize	VERB
cblr-1739	446	26	allocation	allocation	NOUN
cblr-1739	446	27	of	of	ADP
cblr-1739	446	28	resources	resource	NOUN
cblr-1739	446	29	)	)	PUNCT
cblr-1739	446	30	.	.	PUNCT
cblr-1739	447	1	127	127	NUM
cblr-1739	447	2	see	see	VERB
cblr-1739	447	3	daron	daron	PROPN
cblr-1739	447	4	acemoglu	acemoglu	PROPN
cblr-1739	447	5	et	et	PROPN
cblr-1739	447	6	al	al	PROPN
cblr-1739	447	7	.	.	PROPN
cblr-1739	447	8	,	,	PUNCT
cblr-1739	447	9	markets	market	NOUN
cblr-1739	447	10	versus	versus	ADP
cblr-1739	447	11	governments	government	NOUN
cblr-1739	447	12	,	,	PUNCT
cblr-1739	447	13	55	55	NUM
cblr-1739	447	14	j.	j.	PROPN
cblr-1739	447	15	monetary	monetary	PROPN
cblr-1739	447	16	econ	econ	PROPN
cblr-1739	447	17	.	.	PUNCT
cblr-1739	447	18	159	159	NUM
cblr-1739	447	19	,	,	PUNCT
cblr-1739	447	20	159–61	159–61	NUM
cblr-1739	447	21	(	(	PUNCT
cblr-1739	447	22	2008	2008	NUM
cblr-1739	447	23	)	)	PUNCT
cblr-1739	447	24	(	(	PUNCT
cblr-1739	447	25	explaining	explain	VERB
cblr-1739	447	26	that	that	SCONJ
cblr-1739	447	27	according	accord	VERB
cblr-1739	447	28	to	to	ADP
cblr-1739	447	29	the	the	DET
cblr-1739	447	30	classical	classical	ADJ
cblr-1739	447	31	economic	economic	ADJ
cblr-1739	447	32	approach	approach	NOUN
cblr-1739	447	33	building	building	NOUN
cblr-1739	447	34	on	on	ADP
cblr-1739	447	35	adam	adam	PROPN
cblr-1739	447	36	smith	smith	PROPN
cblr-1739	447	37	’s	’s	PART
cblr-1739	447	38	invisible	invisible	ADJ
cblr-1739	447	39	hand	hand	NOUN
cblr-1739	447	40	theory	theory	NOUN
cblr-1739	447	41	and	and	CCONJ
cblr-1739	447	42	the	the	DET
cblr-1739	447	43	first	first	ADJ
cblr-1739	447	44	welfare	welfare	NOUN
cblr-1739	447	45	theorem	theorem	VERB
cblr-1739	447	46	,	,	PUNCT
cblr-1739	447	47	under	under	ADP
cblr-1739	447	48	certain	certain	ADJ
cblr-1739	447	49	conditions	condition	NOUN
cblr-1739	447	50	,	,	PUNCT
cblr-1739	447	51	free	free	ADJ
cblr-1739	447	52	competition	competition	NOUN
cblr-1739	447	53	will	will	AUX
cblr-1739	447	54	achieve	achieve	VERB
cblr-1739	447	55	a	a	DET
cblr-1739	447	56	pareto	pareto	ADJ
cblr-1739	447	57	optimal	optimal	ADJ
cblr-1739	447	58	allocation	allocation	NOUN
cblr-1739	447	59	of	of	ADP
cblr-1739	447	60	resources	resource	NOUN
cblr-1739	447	61	.	.	PUNCT
cblr-1739	448	1	arguing	argue	VERB
cblr-1739	448	2	that	that	SCONJ
cblr-1739	448	3	this	this	DET
cblr-1739	448	4	concept	concept	NOUN
cblr-1739	448	5	is	be	AUX
cblr-1739	448	6	too	too	ADV
cblr-1739	448	7	optimistic	optimistic	ADJ
cblr-1739	448	8	,	,	PUNCT
cblr-1739	448	9	economists	economist	NOUN
cblr-1739	448	10	such	such	ADJ
cblr-1739	448	11	as	as	ADP
cblr-1739	448	12	arthur	arthur	PROPN
cblr-1739	448	13	pigou	pigou	PROPN
cblr-1739	448	14	maintained	maintain	VERB
cblr-1739	448	15	that	that	SCONJ
cblr-1739	448	16	externalities	externality	NOUN
cblr-1739	448	17	and	and	CCONJ
cblr-1739	448	18	market	market	NOUN
cblr-1739	448	19	failures	failure	NOUN
cblr-1739	448	20	lead	lead	VERB
cblr-1739	448	21	to	to	ADP
cblr-1739	448	22	inefficiencies	inefficiency	NOUN
cblr-1739	448	23	geslevich	geslevich	NOUN
cblr-1739	448	24	packin	packin	PROPN
cblr-1739	448	25	&	&	CCONJ
cblr-1739	448	26	lev	lev	PROPN
cblr-1739	448	27	-	-	PUNCT
cblr-1739	448	28	aretz	aretz	PROPN
cblr-1739	448	29	–	–	PUNCT
cblr-1739	449	1	final	final	ADJ
cblr-1739	449	2	370	370	NUM
cblr-1739	449	3	columbia	columbia	PROPN
cblr-1739	449	4	business	business	NOUN
cblr-1739	449	5	law	law	PROPN
cblr-1739	449	6	review	review	NOUN
cblr-1739	449	7	[	[	X
cblr-1739	449	8	vol	vol	NOUN
cblr-1739	449	9	.	.	NOUN
cblr-1739	449	10	2016	2016	NUM
cblr-1739	449	11	cost	cost	NOUN
cblr-1739	449	12	of	of	ADP
cblr-1739	449	13	information	information	NOUN
cblr-1739	449	14	,	,	PUNCT
cblr-1739	449	15	as	as	ADV
cblr-1739	449	16	well	well	ADV
cblr-1739	449	17	as	as	ADP
cblr-1739	449	18	the	the	DET
cblr-1739	449	19	impact	impact	NOUN
cblr-1739	449	20	of	of	ADP
cblr-1739	449	21	mistakes	mistake	NOUN
cblr-1739	449	22	and	and	CCONJ
cblr-1739	449	23	irrational	irrational	ADJ
cblr-1739	449	24	behavior	behavior	NOUN
cblr-1739	449	25	in	in	ADP
cblr-1739	449	26	the	the	DET
cblr-1739	449	27	process	process	NOUN
cblr-1739	449	28	of	of	ADP
cblr-1739	449	29	consumers	consumer	NOUN
cblr-1739	449	30	’	'	PUNCT
cblr-1739	449	31	decisionmaking.128	decisionmaking.128	ADP
cblr-1739	449	32	certain	certain	ADJ
cblr-1739	449	33	scholars	scholar	NOUN
cblr-1739	449	34	expanded	expand	VERB
cblr-1739	449	35	the	the	DET
cblr-1739	449	36	price	price	NOUN
cblr-1739	449	37	-	-	PUNCT
cblr-1739	449	38	theoretic	theoretic	NOUN
cblr-1739	449	39	framework	framework	NOUN
cblr-1739	449	40	to	to	PART
cblr-1739	449	41	show	show	VERB
cblr-1739	449	42	its	its	PRON
cblr-1739	449	43	tools	tool	NOUN
cblr-1739	449	44	were	be	AUX
cblr-1739	449	45	not	not	PART
cblr-1739	449	46	only	only	ADV
cblr-1739	449	47	consistent	consistent	ADJ
cblr-1739	449	48	with	with	ADP
cblr-1739	449	49	,	,	PUNCT
cblr-1739	449	50	but	but	CCONJ
cblr-1739	449	51	also	also	ADV
cblr-1739	449	52	useful	useful	ADJ
cblr-1739	449	53	for	for	ADP
cblr-1739	449	54	,	,	PUNCT
cblr-1739	449	55	examining	examine	VERB
cblr-1739	449	56	detected	detect	VERB
cblr-1739	449	57	irrational	irrational	ADJ
cblr-1739	449	58	behavior.129	behavior.129	PROPN
cblr-1739	449	59	another	another	DET
cblr-1739	449	60	group	group	NOUN
cblr-1739	449	61	of	of	ADP
cblr-1739	449	62	scholars	scholar	NOUN
cblr-1739	449	63	developed	develop	VERB
cblr-1739	449	64	theories	theory	NOUN
cblr-1739	449	65	critical	critical	ADJ
cblr-1739	449	66	of	of	ADP
cblr-1739	449	67	the	the	DET
cblr-1739	449	68	rational	rational	ADJ
cblr-1739	449	69	choice	choice	NOUN
cblr-1739	449	70	literature	literature	NOUN
cblr-1739	449	71	,	,	PUNCT
cblr-1739	449	72	arguing	argue	VERB
cblr-1739	449	73	individuals	individual	NOUN
cblr-1739	449	74	do	do	AUX
cblr-1739	449	75	not	not	PART
cblr-1739	449	76	have	have	VERB
cblr-1739	449	77	the	the	DET
cblr-1739	449	78	cognitive	cognitive	ADJ
cblr-1739	449	79	abilities	ability	NOUN
cblr-1739	449	80	to	to	PART
cblr-1739	449	81	properly	properly	ADV
cblr-1739	449	82	analyze	analyze	VERB
cblr-1739	449	83	all	all	DET
cblr-1739	449	84	that	that	PRON
cblr-1739	449	85	is	be	AUX
cblr-1739	449	86	needed	need	VERB
cblr-1739	449	87	in	in	ADP
cblr-1739	449	88	order	order	NOUN
cblr-1739	449	89	to	to	PART
cblr-1739	449	90	maximize	maximize	VERB
cblr-1739	449	91	their	their	PRON
cblr-1739	449	92	welfare.130	welfare.130	NOUN
cblr-1739	449	93	gradually	gradually	ADV
cblr-1739	449	94	,	,	PUNCT
cblr-1739	449	95	the	the	DET
cblr-1739	449	96	economic	economic	ADJ
cblr-1739	449	97	literature	literature	NOUN
cblr-1739	449	98	introduced	introduce	VERB
cblr-1739	449	99	new	new	ADJ
cblr-1739	449	100	concepts	concept	NOUN
cblr-1739	449	101	and	and	CCONJ
cblr-1739	449	102	explained	explain	VERB
cblr-1739	449	103	a	a	DET
cblr-1739	449	104	new	new	ADJ
cblr-1739	449	105	form	form	NOUN
cblr-1739	449	106	of	of	ADP
cblr-1739	449	107	bounded	bounded	ADJ
cblr-1739	449	108	rationality	rationality	NOUN
cblr-1739	449	109	different	different	ADV
cblr-1739	449	110	from	from	ADP
cblr-1739	449	111	the	the	DET
cblr-1739	449	112	one	one	NOUN
cblr-1739	449	113	described	describe	VERB
cblr-1739	449	114	in	in	ADP
cblr-1739	449	115	price	price	NOUN
cblr-1739	449	116	theory.131	theory.131	NOUN
cblr-1739	449	117	scholars	scholar	NOUN
cblr-1739	449	118	such	such	ADJ
cblr-1739	449	119	as	as	ADP
cblr-1739	449	120	daniel	daniel	PROPN
cblr-1739	449	121	kahneman	kahneman	PROPN
cblr-1739	449	122	and	and	CCONJ
cblr-1739	449	123	amos	amos	PROPN
cblr-1739	449	124	tversky	tversky	PROPN
cblr-1739	449	125	further	far	ADV
cblr-1739	449	126	developed	develop	VERB
cblr-1739	449	127	these	these	DET
cblr-1739	449	128	heuristics	heuristic	NOUN
cblr-1739	449	129	-	-	PUNCT
cblr-1739	449	130	related	relate	VERB
cblr-1739	449	131	concepts	concept	NOUN
cblr-1739	449	132	in	in	ADP
cblr-1739	449	133	the	the	DET
cblr-1739	449	134	modern	modern	ADJ
cblr-1739	449	135	research	research	NOUN
cblr-1739	449	136	of	of	ADP
cblr-1739	449	137	behavioral	behavioral	ADJ
cblr-1739	449	138	economics	economic	NOUN
cblr-1739	449	139	,	,	PUNCT
cblr-1739	449	140	referred	refer	VERB
cblr-1739	449	141	to	to	ADP
cblr-1739	449	142	as	as	ADP
cblr-1739	449	143	“	"	PUNCT
cblr-1739	449	144	prospect	prospect	NOUN
cblr-1739	449	145	theory	theory	NOUN
cblr-1739	449	146	.	.	PUNCT
cblr-1739	450	1	”132	”132	NOUN
cblr-1739	450	2	in	in	ADP
cblr-1739	450	3	prospect	prospect	NOUN
cblr-1739	450	4	theory	theory	NOUN
cblr-1739	450	5	,	,	PUNCT
cblr-1739	450	6	cognitive	cognitive	ADJ
cblr-1739	450	7	biases	bias	NOUN
cblr-1739	450	8	,	,	PUNCT
cblr-1739	450	9	based	base	VERB
cblr-1739	450	10	on	on	ADP
cblr-1739	450	11	empirical	empirical	ADJ
cblr-1739	450	12	and	and	CCONJ
cblr-1739	450	13	may	may	AUX
cblr-1739	450	14	require	require	VERB
cblr-1739	450	15	government	government	NOUN
cblr-1739	450	16	intervention	intervention	NOUN
cblr-1739	450	17	.	.	PUNCT
cblr-1739	451	1	others	other	NOUN
cblr-1739	451	2	,	,	PUNCT
cblr-1739	451	3	inspired	inspire	VERB
cblr-1739	451	4	by	by	ADP
cblr-1739	451	5	socialist	socialist	ADJ
cblr-1739	451	6	ideas	idea	NOUN
cblr-1739	451	7	,	,	PUNCT
cblr-1739	451	8	such	such	ADJ
cblr-1739	451	9	as	as	ADP
cblr-1739	451	10	oskar	oskar	PROPN
cblr-1739	451	11	lange	lange	PROPN
cblr-1739	451	12	,	,	PUNCT
cblr-1739	451	13	argued	argue	VERB
cblr-1739	451	14	that	that	SCONJ
cblr-1739	451	15	a	a	DET
cblr-1739	451	16	government	government	NOUN
cblr-1739	451	17	-	-	PUNCT
cblr-1739	451	18	operated	operate	VERB
cblr-1739	451	19	mechanism	mechanism	NOUN
cblr-1739	451	20	that	that	PRON
cblr-1739	451	21	allocates	allocate	VERB
cblr-1739	451	22	resources	resource	NOUN
cblr-1739	451	23	is	be	AUX
cblr-1739	451	24	superior	superior	ADJ
cblr-1739	451	25	to	to	ADP
cblr-1739	451	26	free	free	ADJ
cblr-1739	451	27	competition	competition	NOUN
cblr-1739	451	28	,	,	PUNCT
cblr-1739	451	29	but	but	CCONJ
cblr-1739	451	30	were	be	AUX
cblr-1739	451	31	criticized	criticize	VERB
cblr-1739	451	32	by	by	ADP
cblr-1739	451	33	economists	economist	NOUN
cblr-1739	451	34	such	such	ADJ
cblr-1739	451	35	as	as	ADP
cblr-1739	451	36	abba	abba	PROPN
cblr-1739	451	37	lerner	lerner	PROPN
cblr-1739	451	38	,	,	PUNCT
cblr-1739	451	39	friedrich	friedrich	PROPN
cblr-1739	451	40	von	von	PROPN
cblr-1739	451	41	hayek	hayek	PROPN
cblr-1739	451	42	,	,	PUNCT
cblr-1739	451	43	and	and	CCONJ
cblr-1739	451	44	jacob	jacob	PROPN
cblr-1739	451	45	marschak	marschak	PROPN
cblr-1739	451	46	.	.	PUNCT
cblr-1739	452	1	building	build	VERB
cblr-1739	452	2	up	up	ADP
cblr-1739	452	3	on	on	ADP
cblr-1739	452	4	this	this	DET
cblr-1739	452	5	debate	debate	NOUN
cblr-1739	452	6	,	,	PUNCT
cblr-1739	452	7	the	the	DET
cblr-1739	452	8	mechanism	mechanism	NOUN
cblr-1739	452	9	design	design	NOUN
cblr-1739	452	10	approach	approach	NOUN
cblr-1739	452	11	to	to	ADP
cblr-1739	452	12	economics	economic	NOUN
cblr-1739	452	13	was	be	AUX
cblr-1739	452	14	developed	develop	VERB
cblr-1739	452	15	.	.	PUNCT
cblr-1739	453	1	in	in	ADP
cblr-1739	453	2	the	the	DET
cblr-1739	453	3	1960s	1960	NOUN
cblr-1739	453	4	to	to	ADP
cblr-1739	453	5	1970s	1970s	NUM
cblr-1739	453	6	,	,	PUNCT
cblr-1739	453	7	leonid	leonid	PROPN
cblr-1739	453	8	hurwicz	hurwicz	PROPN
cblr-1739	453	9	attempted	attempt	VERB
cblr-1739	453	10	to	to	PART
cblr-1739	453	11	develop	develop	VERB
cblr-1739	453	12	a	a	DET
cblr-1739	453	13	theory	theory	NOUN
cblr-1739	453	14	for	for	ADP
cblr-1739	453	15	the	the	DET
cblr-1739	453	16	conditions	condition	NOUN
cblr-1739	453	17	under	under	ADP
cblr-1739	453	18	which	which	PRON
cblr-1739	453	19	markets	market	NOUN
cblr-1739	453	20	provide	provide	VERB
cblr-1739	453	21	the	the	DET
cblr-1739	453	22	best	good	ADJ
cblr-1739	453	23	possible	possible	ADJ
cblr-1739	453	24	resource	resource	NOUN
cblr-1739	453	25	allocation	allocation	NOUN
cblr-1739	453	26	systems	system	NOUN
cblr-1739	453	27	.	.	PUNCT
cblr-1739	454	1	later	later	ADV
cblr-1739	454	2	inputs	input	NOUN
cblr-1739	454	3	by	by	ADP
cblr-1739	454	4	scholars	scholar	NOUN
cblr-1739	454	5	such	such	ADJ
cblr-1739	454	6	as	as	ADP
cblr-1739	454	7	myerson	myerson	NOUN
cblr-1739	454	8	,	,	PUNCT
cblr-1739	454	9	harris	harris	PROPN
cblr-1739	454	10	,	,	PUNCT
cblr-1739	454	11	townsend	townsend	PROPN
cblr-1739	454	12	,	,	PUNCT
cblr-1739	454	13	baron	baron	NOUN
cblr-1739	454	14	,	,	PUNCT
cblr-1739	454	15	dasgupta	dasgupta	PROPN
cblr-1739	454	16	,	,	PUNCT
cblr-1739	454	17	hammond	hammond	PROPN
cblr-1739	454	18	,	,	PUNCT
cblr-1739	454	19	maskin	maskin	X
cblr-1739	454	20	,	,	PUNCT
cblr-1739	454	21	green	green	ADJ
cblr-1739	454	22	,	,	PUNCT
cblr-1739	454	23	and	and	CCONJ
cblr-1739	454	24	laffont	laffont	PROPN
cblr-1739	454	25	,	,	PUNCT
cblr-1739	454	26	helped	helped	AUX
cblr-1739	454	27	advance	advance	VERB
cblr-1739	454	28	the	the	DET
cblr-1739	454	29	theory	theory	NOUN
cblr-1739	454	30	of	of	ADP
cblr-1739	454	31	mechanism	mechanism	NOUN
cblr-1739	454	32	design	design	NOUN
cblr-1739	454	33	.	.	PUNCT
cblr-1739	454	34	)	)	PUNCT
cblr-1739	454	35	.	.	PUNCT
cblr-1739	455	1	128	128	NUM
cblr-1739	455	2	milton	milton	PROPN
cblr-1739	455	3	friedman	friedman	PROPN
cblr-1739	455	4	,	,	PUNCT
cblr-1739	455	5	the	the	DET
cblr-1739	455	6	methodology	methodology	NOUN
cblr-1739	455	7	of	of	ADP
cblr-1739	455	8	positive	positive	ADJ
cblr-1739	455	9	economics	economic	NOUN
cblr-1739	455	10	,	,	PUNCT
cblr-1739	455	11	in	in	ADP
cblr-1739	455	12	essays	essay	NOUN
cblr-1739	455	13	in	in	ADP
cblr-1739	455	14	positive	positive	ADJ
cblr-1739	455	15	economics	economic	NOUN
cblr-1739	455	16	3	3	NUM
cblr-1739	455	17	,	,	PUNCT
cblr-1739	455	18	3–16	3–16	PROPN
cblr-1739	455	19	(	(	PUNCT
cblr-1739	455	20	1953	1953	NUM
cblr-1739	455	21	)	)	PUNCT
cblr-1739	455	22	;	;	PUNCT
cblr-1739	455	23	armen	armen	PROPN
cblr-1739	455	24	a.	a.	PROPN
cblr-1739	455	25	alchian	alchian	PROPN
cblr-1739	455	26	,	,	PUNCT
cblr-1739	455	27	uncertainty	uncertainty	NOUN
cblr-1739	455	28	,	,	PUNCT
cblr-1739	455	29	evolution	evolution	NOUN
cblr-1739	455	30	,	,	PUNCT
cblr-1739	455	31	and	and	CCONJ
cblr-1739	455	32	economic	economic	ADJ
cblr-1739	455	33	theory	theory	NOUN
cblr-1739	455	34	,	,	PUNCT
cblr-1739	455	35	58	58	NUM
cblr-1739	455	36	j.	j.	PROPN
cblr-1739	455	37	pol	pol	PROPN
cblr-1739	455	38	.	.	PUNCT
cblr-1739	455	39	econ	econ	PROPN
cblr-1739	455	40	.	.	PUNCT
cblr-1739	455	41	211	211	NUM
cblr-1739	455	42	,	,	PUNCT
cblr-1739	455	43	220	220	NUM
cblr-1739	455	44	–	–	SYM
cblr-1739	455	45	21	21	NUM
cblr-1739	455	46	(	(	PUNCT
cblr-1739	455	47	1950	1950	NUM
cblr-1739	455	48	)	)	PUNCT
cblr-1739	455	49	;	;	PUNCT
cblr-1739	455	50	gary	gary	PROPN
cblr-1739	455	51	s.	s.	PROPN
cblr-1739	455	52	becker	becker	PROPN
cblr-1739	455	53	,	,	PUNCT
cblr-1739	455	54	irrational	irrational	ADJ
cblr-1739	455	55	behavior	behavior	NOUN
cblr-1739	455	56	and	and	CCONJ
cblr-1739	455	57	economic	economic	ADJ
cblr-1739	455	58	theory	theory	NOUN
cblr-1739	455	59	,	,	PUNCT
cblr-1739	455	60	70	70	NUM
cblr-1739	455	61	j.	j.	PROPN
cblr-1739	455	62	pol	pol	PROPN
cblr-1739	455	63	.	.	PUNCT
cblr-1739	455	64	econ	econ	PROPN
cblr-1739	455	65	.	.	PUNCT
cblr-1739	456	1	1	1	NUM
cblr-1739	456	2	,	,	PUNCT
cblr-1739	456	3	12–13	12–13	NUM
cblr-1739	456	4	(	(	PUNCT
cblr-1739	456	5	1962	1962	NUM
cblr-1739	456	6	)	)	PUNCT
cblr-1739	456	7	;	;	PUNCT
cblr-1739	457	1	george	george	PROPN
cblr-1739	457	2	j.	j.	PROPN
cblr-1739	457	3	stigler	stigler	PROPN
cblr-1739	457	4	,	,	PUNCT
cblr-1739	457	5	the	the	DET
cblr-1739	457	6	economics	economic	NOUN
cblr-1739	457	7	of	of	ADP
cblr-1739	457	8	information	information	NOUN
cblr-1739	457	9	,	,	PUNCT
cblr-1739	457	10	69	69	NUM
cblr-1739	457	11	j.	j.	PROPN
cblr-1739	457	12	pol	pol	PROPN
cblr-1739	457	13	.	.	PUNCT
cblr-1739	457	14	econ	econ	PROPN
cblr-1739	457	15	.	.	PUNCT
cblr-1739	458	1	213	213	NUM
cblr-1739	458	2	(	(	PUNCT
cblr-1739	458	3	1961	1961	NUM
cblr-1739	458	4	)	)	PUNCT
cblr-1739	458	5	.	.	PUNCT
cblr-1739	459	1	129	129	NUM
cblr-1739	459	2	see	see	VERB
cblr-1739	459	3	wright	wright	PROPN
cblr-1739	459	4	&	&	CCONJ
cblr-1739	459	5	ginsburg	ginsburg	PROPN
cblr-1739	459	6	,	,	PUNCT
cblr-1739	459	7	supra	supra	PROPN
cblr-1739	459	8	note	note	NOUN
cblr-1739	459	9	120	120	NUM
cblr-1739	459	10	,	,	PUNCT
cblr-1739	459	11	at	at	ADP
cblr-1739	459	12	1037	1037	NUM
cblr-1739	459	13	.	.	PUNCT
cblr-1739	460	1	130	130	NUM
cblr-1739	460	2	see	see	VERB
cblr-1739	460	3	herbert	herbert	PROPN
cblr-1739	460	4	a.	a.	PROPN
cblr-1739	460	5	simon	simon	PROPN
cblr-1739	460	6	,	,	PUNCT
cblr-1739	460	7	rational	rational	ADJ
cblr-1739	460	8	decision	decision	NOUN
cblr-1739	460	9	making	making	NOUN
cblr-1739	460	10	in	in	ADP
cblr-1739	460	11	business	business	NOUN
cblr-1739	460	12	organizations	organization	NOUN
cblr-1739	460	13	,	,	PUNCT
cblr-1739	460	14	69	69	NUM
cblr-1739	460	15	am	am	NOUN
cblr-1739	460	16	.	.	PUNCT
cblr-1739	461	1	econ	econ	PROPN
cblr-1739	461	2	.	.	PUNCT
cblr-1739	462	1	rev	rev	PROPN
cblr-1739	462	2	.	.	PROPN
cblr-1739	462	3	493	493	NUM
cblr-1739	462	4	,	,	PUNCT
cblr-1739	462	5	495	495	NUM
cblr-1739	462	6	(	(	PUNCT
cblr-1739	462	7	1979	1979	NUM
cblr-1739	462	8	)	)	PUNCT
cblr-1739	462	9	;	;	PUNCT
cblr-1739	462	10	see	see	VERB
cblr-1739	462	11	also	also	ADV
cblr-1739	462	12	herbert	herbert	PROPN
cblr-1739	462	13	a.	a.	PROPN
cblr-1739	462	14	simon	simon	PROPN
cblr-1739	462	15	,	,	PUNCT
cblr-1739	462	16	a	a	DET
cblr-1739	462	17	behavioral	behavioral	ADJ
cblr-1739	462	18	model	model	NOUN
cblr-1739	462	19	of	of	ADP
cblr-1739	462	20	rational	rational	ADJ
cblr-1739	462	21	choice	choice	NOUN
cblr-1739	462	22	,	,	PUNCT
cblr-1739	462	23	69	69	NUM
cblr-1739	462	24	q.j	q.j	PROPN
cblr-1739	462	25	.	.	PROPN
cblr-1739	462	26	econ	econ	PROPN
cblr-1739	462	27	.	.	PUNCT
cblr-1739	463	1	99	99	NUM
cblr-1739	463	2	,	,	PUNCT
cblr-1739	463	3	99–100	99–100	NUM
cblr-1739	463	4	(	(	PUNCT
cblr-1739	463	5	1955	1955	NUM
cblr-1739	463	6	)	)	PUNCT
cblr-1739	463	7	.	.	PUNCT
cblr-1739	464	1	131	131	NUM
cblr-1739	464	2	see	see	VERB
cblr-1739	464	3	,	,	PUNCT
cblr-1739	464	4	e.g.	e.g.	ADV
cblr-1739	464	5	,	,	PUNCT
cblr-1739	464	6	richard	richard	PROPN
cblr-1739	464	7	m.	m.	PROPN
cblr-1739	464	8	cyert	cyert	PROPN
cblr-1739	464	9	&	&	CCONJ
cblr-1739	464	10	james	james	PROPN
cblr-1739	464	11	g.	g.	PROPN
cblr-1739	464	12	march	march	PROPN
cblr-1739	464	13	,	,	PUNCT
cblr-1739	464	14	a	a	DET
cblr-1739	464	15	behavioral	behavioral	ADJ
cblr-1739	464	16	theory	theory	NOUN
cblr-1739	464	17	of	of	ADP
cblr-1739	464	18	the	the	DET
cblr-1739	464	19	firm	firm	NOUN
cblr-1739	464	20	10	10	NUM
cblr-1739	464	21	(	(	PUNCT
cblr-1739	464	22	2d	2d	NUM
cblr-1739	464	23	ed	ed	NOUN
cblr-1739	464	24	.	.	PROPN
cblr-1739	464	25	1992	1992	NUM
cblr-1739	464	26	)	)	PUNCT
cblr-1739	464	27	.	.	PUNCT
cblr-1739	465	1	132	132	NUM
cblr-1739	465	2	see	see	VERB
cblr-1739	465	3	daniel	daniel	PROPN
cblr-1739	465	4	kahneman	kahneman	PROPN
cblr-1739	465	5	&	&	CCONJ
cblr-1739	465	6	amos	amos	PROPN
cblr-1739	465	7	tversky	tversky	PROPN
cblr-1739	465	8	,	,	PUNCT
cblr-1739	465	9	prospect	prospect	NOUN
cblr-1739	465	10	theory	theory	NOUN
cblr-1739	465	11	:	:	PUNCT
cblr-1739	465	12	an	an	DET
cblr-1739	465	13	analysis	analysis	NOUN
cblr-1739	465	14	of	of	ADP
cblr-1739	465	15	decision	decision	NOUN
cblr-1739	465	16	under	under	ADP
cblr-1739	465	17	risk	risk	NOUN
cblr-1739	465	18	,	,	PUNCT
cblr-1739	465	19	47	47	NUM
cblr-1739	465	20	econometrica	econometrica	PROPN
cblr-1739	465	21	263	263	NUM
cblr-1739	465	22	,	,	PUNCT
cblr-1739	465	23	274–84	274–84	NOUN
cblr-1739	465	24	(	(	PUNCT
cblr-1739	465	25	1979	1979	NUM
cblr-1739	465	26	)	)	PUNCT
cblr-1739	465	27	.	.	PUNCT
cblr-1739	466	1	geslevich	geslevich	PROPN
cblr-1739	466	2	packin	packin	PROPN
cblr-1739	466	3	&	&	CCONJ
cblr-1739	466	4	lev	lev	PROPN
cblr-1739	466	5	-	-	PUNCT
cblr-1739	466	6	aretz	aretz	PROPN
cblr-1739	466	7	–	–	PUNCT
cblr-1739	466	8	final	final	ADJ
cblr-1739	466	9	no	no	NOUN
cblr-1739	466	10	.	.	PUNCT
cblr-1739	467	1	2:339	2:339	NUM
cblr-1739	467	2	]	]	X
cblr-1739	467	3	on	on	ADP
cblr-1739	467	4	social	social	ADJ
cblr-1739	467	5	credit	credit	NOUN
cblr-1739	467	6	371	371	NUM
cblr-1739	467	7	research	research	NOUN
cblr-1739	467	8	,	,	PUNCT
cblr-1739	467	9	explain	explain	VERB
cblr-1739	467	10	departures	departure	NOUN
cblr-1739	467	11	from	from	ADP
cblr-1739	467	12	rationality.133	rationality.133	NOUN
cblr-1739	467	13	the	the	DET
cblr-1739	467	14	empirical	empirical	ADJ
cblr-1739	467	15	support	support	NOUN
cblr-1739	467	16	led	lead	VERB
cblr-1739	467	17	behaviorists	behaviorist	NOUN
cblr-1739	467	18	to	to	PART
cblr-1739	467	19	believe	believe	VERB
cblr-1739	467	20	that	that	DET
cblr-1739	467	21	prospect	prospect	NOUN
cblr-1739	467	22	theory	theory	NOUN
cblr-1739	467	23	,	,	PUNCT
cblr-1739	467	24	which	which	PRON
cblr-1739	467	25	incorporates	incorporate	VERB
cblr-1739	467	26	comparatively	comparatively	ADV
cblr-1739	467	27	more	more	ADV
cblr-1739	467	28	realistic	realistic	ADJ
cblr-1739	467	29	psychological	psychological	ADJ
cblr-1739	467	30	accounts	account	NOUN
cblr-1739	467	31	of	of	ADP
cblr-1739	467	32	economic	economic	ADJ
cblr-1739	467	33	actors	actor	NOUN
cblr-1739	467	34	,	,	PUNCT
cblr-1739	467	35	would	would	AUX
cblr-1739	467	36	have	have	VERB
cblr-1739	467	37	greater	great	ADJ
cblr-1739	467	38	predictive	predictive	ADJ
cblr-1739	467	39	power	power	NOUN
cblr-1739	467	40	than	than	ADP
cblr-1739	467	41	that	that	PRON
cblr-1739	467	42	of	of	ADP
cblr-1739	467	43	an	an	DET
cblr-1739	467	44	economic	economic	ADJ
cblr-1739	467	45	theory	theory	NOUN
cblr-1739	467	46	based	base	VERB
cblr-1739	467	47	on	on	ADP
cblr-1739	467	48	a	a	DET
cblr-1739	467	49	hypothesis	hypothesis	NOUN
cblr-1739	467	50	of	of	ADP
cblr-1739	467	51	individual	individual	ADJ
cblr-1739	467	52	rationality.134	rationality.134	PROPN
cblr-1739	467	53	continuing	continue	VERB
cblr-1739	467	54	this	this	DET
cblr-1739	467	55	line	line	NOUN
cblr-1739	467	56	of	of	ADP
cblr-1739	467	57	scholarship	scholarship	NOUN
cblr-1739	467	58	in	in	ADP
cblr-1739	467	59	recent	recent	ADJ
cblr-1739	467	60	years	year	NOUN
cblr-1739	467	61	,	,	PUNCT
cblr-1739	467	62	various	various	ADJ
cblr-1739	467	63	scholars	scholar	NOUN
cblr-1739	467	64	,	,	PUNCT
cblr-1739	467	65	including	include	VERB
cblr-1739	467	66	cass	cass	PROPN
cblr-1739	467	67	sunstein	sunstein	PROPN
cblr-1739	467	68	and	and	CCONJ
cblr-1739	467	69	richard	richard	PROPN
cblr-1739	467	70	thaler	thaler	PROPN
cblr-1739	467	71	,	,	PUNCT
cblr-1739	467	72	have	have	AUX
cblr-1739	467	73	contributed	contribute	VERB
cblr-1739	467	74	to	to	ADP
cblr-1739	467	75	the	the	DET
cblr-1739	467	76	elaboration	elaboration	NOUN
cblr-1739	467	77	of	of	ADP
cblr-1739	467	78	what	what	PRON
cblr-1739	467	79	is	be	AUX
cblr-1739	467	80	now	now	ADV
cblr-1739	467	81	considered	consider	VERB
cblr-1739	467	82	to	to	PART
cblr-1739	467	83	be	be	AUX
cblr-1739	467	84	a	a	DET
cblr-1739	467	85	massive	massive	ADJ
cblr-1739	467	86	behavioral	behavioral	ADJ
cblr-1739	467	87	law	law	NOUN
cblr-1739	467	88	and	and	CCONJ
cblr-1739	467	89	economics	economic	NOUN
cblr-1739	467	90	body	body	NOUN
cblr-1739	467	91	of	of	ADP
cblr-1739	467	92	literature.135	literature.135	PROPN
cblr-1739	467	93	sunstein	sunstein	VERB
cblr-1739	467	94	and	and	CCONJ
cblr-1739	467	95	thaler	thaler	PROPN
cblr-1739	467	96	also	also	ADV
cblr-1739	467	97	coined	coin	VERB
cblr-1739	467	98	the	the	DET
cblr-1739	467	99	term	term	NOUN
cblr-1739	467	100	“	"	PUNCT
cblr-1739	467	101	libertarian	libertarian	ADJ
cblr-1739	467	102	paternalism	paternalism	NOUN
cblr-1739	467	103	,	,	PUNCT
cblr-1739	467	104	”	"	PUNCT
cblr-1739	467	105	with	with	ADP
cblr-1739	467	106	the	the	DET
cblr-1739	467	107	goal	goal	NOUN
cblr-1739	467	108	of	of	ADP
cblr-1739	467	109	developing	develop	VERB
cblr-1739	467	110	“	"	PUNCT
cblr-1739	467	111	an	an	DET
cblr-1739	467	112	approach	approach	NOUN
cblr-1739	467	113	that	that	PRON
cblr-1739	467	114	preserves	preserve	VERB
cblr-1739	467	115	freedom	freedom	NOUN
cblr-1739	467	116	of	of	ADP
cblr-1739	467	117	choice	choice	NOUN
cblr-1739	467	118	but	but	CCONJ
cblr-1739	467	119	that	that	PRON
cblr-1739	467	120	authorizes	authorize	VERB
cblr-1739	467	121	both	both	CCONJ
cblr-1739	467	122	private	private	ADJ
cblr-1739	467	123	and	and	CCONJ
cblr-1739	467	124	public	public	ADJ
cblr-1739	467	125	institutions	institution	NOUN
cblr-1739	467	126	to	to	PART
cblr-1739	467	127	steer	steer	VERB
cblr-1739	467	128	people	people	NOUN
cblr-1739	467	129	in	in	ADP
cblr-1739	467	130	directions	direction	NOUN
cblr-1739	467	131	that	that	PRON
cblr-1739	467	132	will	will	AUX
cblr-1739	467	133	promote	promote	VERB
cblr-1739	467	134	their	their	PRON
cblr-1739	467	135	welfare	welfare	NOUN
cblr-1739	467	136	.	.	PUNCT
cblr-1739	467	137	”136	”136	PUNCT
cblr-1739	468	1	133	133	NUM
cblr-1739	468	2	see	see	VERB
cblr-1739	468	3	,	,	PUNCT
cblr-1739	468	4	e.g.	e.g.	ADV
cblr-1739	468	5	,	,	PUNCT
cblr-1739	468	6	daniel	daniel	PROPN
cblr-1739	468	7	kahneman	kahneman	PROPN
cblr-1739	468	8	&	&	CCONJ
cblr-1739	468	9	shane	shane	PROPN
cblr-1739	468	10	frederick	frederick	PROPN
cblr-1739	468	11	,	,	PUNCT
cblr-1739	468	12	representativeness	representativenes	VERB
cblr-1739	468	13	revisited	revisit	VERB
cblr-1739	468	14	:	:	PUNCT
cblr-1739	468	15	attribute	attribute	NOUN
cblr-1739	468	16	substitution	substitution	NOUN
cblr-1739	468	17	in	in	ADP
cblr-1739	468	18	intuitive	intuitive	ADJ
cblr-1739	468	19	judgment	judgment	NOUN
cblr-1739	468	20	,	,	PUNCT
cblr-1739	468	21	in	in	ADP
cblr-1739	468	22	heuristics	heuristic	NOUN
cblr-1739	468	23	and	and	CCONJ
cblr-1739	468	24	biases	bias	NOUN
cblr-1739	468	25	:	:	PUNCT
cblr-1739	468	26	the	the	DET
cblr-1739	468	27	psychology	psychology	NOUN
cblr-1739	468	28	of	of	ADP
cblr-1739	468	29	intuitive	intuitive	ADJ
cblr-1739	468	30	judgment	judgment	NOUN
cblr-1739	468	31	49	49	NUM
cblr-1739	468	32	(	(	PUNCT
cblr-1739	468	33	thomas	thomas	PROPN
cblr-1739	468	34	gilovich	gilovich	PROPN
cblr-1739	468	35	et	et	PROPN
cblr-1739	468	36	al	al	PROPN
cblr-1739	468	37	.	.	PUNCT
cblr-1739	469	1	eds	eds	PROPN
cblr-1739	469	2	.	.	PROPN
cblr-1739	469	3	,	,	PUNCT
cblr-1739	469	4	2002	2002	NUM
cblr-1739	469	5	)	)	PUNCT
cblr-1739	469	6	;	;	PUNCT
cblr-1739	469	7	daniel	daniel	PROPN
cblr-1739	469	8	kahneman	kahneman	PROPN
cblr-1739	469	9	et	et	PROPN
cblr-1739	469	10	al	al	PROPN
cblr-1739	469	11	.	.	PROPN
cblr-1739	469	12	,	,	PUNCT
cblr-1739	469	13	experimental	experimental	ADJ
cblr-1739	469	14	tests	test	NOUN
cblr-1739	469	15	of	of	ADP
cblr-1739	469	16	the	the	DET
cblr-1739	469	17	endowment	endowment	ADJ
cblr-1739	469	18	effect	effect	NOUN
cblr-1739	469	19	and	and	CCONJ
cblr-1739	469	20	the	the	DET
cblr-1739	469	21	coase	coase	PROPN
cblr-1739	469	22	theorem	theorem	PROPN
cblr-1739	469	23	,	,	PUNCT
cblr-1739	469	24	98	98	NUM
cblr-1739	469	25	j.	j.	PROPN
cblr-1739	469	26	pol	pol	PROPN
cblr-1739	469	27	.	.	PUNCT
cblr-1739	469	28	econ	econ	PROPN
cblr-1739	469	29	.	.	PUNCT
cblr-1739	469	30	1325	1325	NUM
cblr-1739	469	31	,	,	PUNCT
cblr-1739	469	32	1329–36	1329–36	NUM
cblr-1739	469	33	(	(	PUNCT
cblr-1739	469	34	1990	1990	NUM
cblr-1739	469	35	)	)	PUNCT
cblr-1739	469	36	.	.	PUNCT
cblr-1739	470	1	134	134	NUM
cblr-1739	470	2	see	see	VERB
cblr-1739	470	3	wright	wright	PROPN
cblr-1739	470	4	&	&	CCONJ
cblr-1739	470	5	ginsburg	ginsburg	PROPN
cblr-1739	470	6	,	,	PUNCT
cblr-1739	470	7	supra	supra	PROPN
cblr-1739	470	8	note	note	NOUN
cblr-1739	470	9	120	120	NUM
cblr-1739	470	10	,	,	PUNCT
cblr-1739	470	11	at	at	ADP
cblr-1739	470	12	1040	1040	NUM
cblr-1739	470	13	.	.	PUNCT
cblr-1739	471	1	135	135	NUM
cblr-1739	471	2	see	see	VERB
cblr-1739	471	3	,	,	PUNCT
cblr-1739	471	4	e.g.	e.g.	ADV
cblr-1739	471	5	,	,	PUNCT
cblr-1739	471	6	richard	richard	PROPN
cblr-1739	471	7	h.	h.	PROPN
cblr-1739	471	8	thaler	thaler	PROPN
cblr-1739	471	9	,	,	PUNCT
cblr-1739	471	10	doing	do	VERB
cblr-1739	471	11	economics	economic	NOUN
cblr-1739	471	12	without	without	ADP
cblr-1739	471	13	homo	homo	NOUN
cblr-1739	471	14	economicus	economicus	NOUN
cblr-1739	471	15	,	,	PUNCT
cblr-1739	471	16	in	in	ADP
cblr-1739	471	17	foundations	foundation	NOUN
cblr-1739	471	18	of	of	ADP
cblr-1739	471	19	research	research	NOUN
cblr-1739	471	20	in	in	ADP
cblr-1739	471	21	economics	economic	NOUN
cblr-1739	471	22	:	:	PUNCT
cblr-1739	471	23	how	how	SCONJ
cblr-1739	471	24	do	do	AUX
cblr-1739	471	25	economists	economist	NOUN
cblr-1739	471	26	do	do	VERB
cblr-1739	471	27	economics	economic	NOUN
cblr-1739	471	28	?	?	PUNCT
cblr-1739	472	1	227	227	NUM
cblr-1739	472	2	(	(	PUNCT
cblr-1739	472	3	steven	steven	PROPN
cblr-1739	472	4	g.	g.	PROPN
cblr-1739	472	5	medema	medema	PROPN
cblr-1739	472	6	&	&	CCONJ
cblr-1739	472	7	warren	warren	PROPN
cblr-1739	472	8	j.	j.	PROPN
cblr-1739	472	9	samuels	samuels	PROPN
cblr-1739	472	10	eds	eds	PROPN
cblr-1739	472	11	.	.	PROPN
cblr-1739	472	12	,	,	PUNCT
cblr-1739	472	13	1996	1996	NUM
cblr-1739	472	14	)	)	PUNCT
cblr-1739	472	15	;	;	PUNCT
cblr-1739	472	16	timur	timur	PROPN
cblr-1739	472	17	kuran	kuran	PROPN
cblr-1739	472	18	&	&	CCONJ
cblr-1739	472	19	cass	cass	PROPN
cblr-1739	472	20	r.	r.	PROPN
cblr-1739	472	21	sunstein	sunstein	PROPN
cblr-1739	472	22	,	,	PUNCT
cblr-1739	472	23	availability	availability	NOUN
cblr-1739	472	24	cascades	cascade	NOUN
cblr-1739	472	25	and	and	CCONJ
cblr-1739	472	26	risk	risk	NOUN
cblr-1739	472	27	regulation	regulation	NOUN
cblr-1739	472	28	,	,	PUNCT
cblr-1739	472	29	51	51	NUM
cblr-1739	472	30	stan	stan	NOUN
cblr-1739	472	31	.	.	PUNCT
cblr-1739	473	1	l.	l.	PROPN
cblr-1739	473	2	rev	rev	PROPN
cblr-1739	473	3	.	.	PROPN
cblr-1739	473	4	683	683	NUM
cblr-1739	473	5	(	(	PUNCT
cblr-1739	473	6	1999	1999	NUM
cblr-1739	473	7	)	)	PUNCT
cblr-1739	473	8	;	;	PUNCT
cblr-1739	473	9	cass	cass	PROPN
cblr-1739	473	10	r.	r.	PROPN
cblr-1739	473	11	sunstein	sunstein	PROPN
cblr-1739	473	12	,	,	PUNCT
cblr-1739	473	13	moral	moral	ADJ
cblr-1739	473	14	heuristics	heuristic	NOUN
cblr-1739	473	15	and	and	CCONJ
cblr-1739	473	16	moral	moral	ADJ
cblr-1739	473	17	framing	framing	NOUN
cblr-1739	473	18	,	,	PUNCT
cblr-1739	473	19	88	88	NUM
cblr-1739	473	20	minn	minn	NOUN
cblr-1739	473	21	.	.	PUNCT
cblr-1739	474	1	l.	l.	PROPN
cblr-1739	474	2	rev	rev	PROPN
cblr-1739	474	3	.	.	PROPN
cblr-1739	474	4	1556	1556	NUM
cblr-1739	474	5	(	(	PUNCT
cblr-1739	474	6	2004	2004	NUM
cblr-1739	474	7	)	)	PUNCT
cblr-1739	474	8	;	;	PUNCT
cblr-1739	474	9	sunstein	sunstein	PROPN
cblr-1739	474	10	&	&	CCONJ
cblr-1739	474	11	thaler	thaler	PROPN
cblr-1739	474	12	,	,	PUNCT
cblr-1739	474	13	supra	supra	PROPN
cblr-1739	474	14	note	note	PROPN
cblr-1739	474	15	121	121	NUM
cblr-1739	474	16	;	;	PUNCT
cblr-1739	474	17	richard	richard	NOUN
cblr-1739	474	18	thaler	thaler	PROPN
cblr-1739	474	19	,	,	PUNCT
cblr-1739	474	20	mental	mental	ADJ
cblr-1739	474	21	accounting	accounting	NOUN
cblr-1739	474	22	and	and	CCONJ
cblr-1739	474	23	consumer	consumer	NOUN
cblr-1739	474	24	choice	choice	NOUN
cblr-1739	474	25	,	,	PUNCT
cblr-1739	474	26	4	4	NUM
cblr-1739	474	27	marketing	marketing	NOUN
cblr-1739	474	28	sci	sci	PROPN
cblr-1739	474	29	.	.	PROPN
cblr-1739	474	30	199	199	NUM
cblr-1739	474	31	(	(	PUNCT
cblr-1739	474	32	1985	1985	NUM
cblr-1739	474	33	)	)	PUNCT
cblr-1739	474	34	.	.	PUNCT
cblr-1739	475	1	136	136	NUM
cblr-1739	475	2	richard	richard	PROPN
cblr-1739	475	3	h.	h.	PROPN
cblr-1739	475	4	thaler	thaler	PROPN
cblr-1739	475	5	&	&	CCONJ
cblr-1739	475	6	cass	cass	PROPN
cblr-1739	475	7	r.	r.	PROPN
cblr-1739	475	8	sunstein	sunstein	PROPN
cblr-1739	475	9	,	,	PUNCT
cblr-1739	475	10	libertarian	libertarian	ADJ
cblr-1739	475	11	paternalism	paternalism	NOUN
cblr-1739	475	12	,	,	PUNCT
cblr-1739	475	13	93	93	NUM
cblr-1739	475	14	am	am	NOUN
cblr-1739	475	15	.	.	PUNCT
cblr-1739	476	1	econ	econ	PROPN
cblr-1739	476	2	.	.	PUNCT
cblr-1739	477	1	rev	rev	PROPN
cblr-1739	477	2	.	.	PROPN
cblr-1739	477	3	175	175	NUM
cblr-1739	477	4	,	,	PUNCT
cblr-1739	477	5	179	179	NUM
cblr-1739	477	6	(	(	PUNCT
cblr-1739	477	7	2003	2003	NUM
cblr-1739	477	8	)	)	PUNCT
cblr-1739	477	9	.	.	PUNCT
cblr-1739	478	1	many	many	ADJ
cblr-1739	478	2	scholars	scholar	NOUN
cblr-1739	478	3	have	have	AUX
cblr-1739	478	4	criticized	criticize	VERB
cblr-1739	478	5	this	this	DET
cblr-1739	478	6	concept	concept	NOUN
cblr-1739	478	7	.	.	PUNCT
cblr-1739	479	1	see	see	VERB
cblr-1739	479	2	,	,	PUNCT
cblr-1739	479	3	e.g.	e.g.	ADV
cblr-1739	479	4	,	,	PUNCT
cblr-1739	479	5	jonathan	jonathan	PROPN
cblr-1739	479	6	klick	klick	PROPN
cblr-1739	479	7	&	&	CCONJ
cblr-1739	479	8	gregory	gregory	PROPN
cblr-1739	479	9	mitchell	mitchell	PROPN
cblr-1739	479	10	,	,	PUNCT
cblr-1739	479	11	government	government	NOUN
cblr-1739	479	12	regulation	regulation	NOUN
cblr-1739	479	13	of	of	ADP
cblr-1739	479	14	irrationality	irrationality	NOUN
cblr-1739	479	15	:	:	PUNCT
cblr-1739	479	16	moral	moral	ADJ
cblr-1739	479	17	and	and	CCONJ
cblr-1739	479	18	cognitive	cognitive	ADJ
cblr-1739	479	19	hazards	hazard	NOUN
cblr-1739	479	20	,	,	PUNCT
cblr-1739	479	21	90	90	NUM
cblr-1739	479	22	minn	minn	NOUN
cblr-1739	479	23	.	.	PUNCT
cblr-1739	480	1	l.	l.	PROPN
cblr-1739	480	2	rev	rev	PROPN
cblr-1739	480	3	.	.	PROPN
cblr-1739	480	4	1620	1620	NUM
cblr-1739	480	5	(	(	PUNCT
cblr-1739	480	6	2006	2006	NUM
cblr-1739	480	7	)	)	PUNCT
cblr-1739	480	8	;	;	PUNCT
cblr-1739	480	9	gregory	gregory	PROPN
cblr-1739	480	10	mitchell	mitchell	PROPN
cblr-1739	480	11	,	,	PUNCT
cblr-1739	480	12	libertarian	libertarian	ADJ
cblr-1739	480	13	paternalism	paternalism	NOUN
cblr-1739	480	14	is	be	AUX
cblr-1739	480	15	an	an	DET
cblr-1739	480	16	oxymoron	oxymoron	NOUN
cblr-1739	480	17	,	,	PUNCT
cblr-1739	480	18	99	99	NUM
cblr-1739	480	19	nw	nw	NOUN
cblr-1739	480	20	.	.	PUNCT
cblr-1739	480	21	u.	u.	PROPN
cblr-1739	480	22	l.	l.	PROPN
cblr-1739	480	23	rev	rev	PROPN
cblr-1739	480	24	.	.	PROPN
cblr-1739	480	25	1245	1245	NUM
cblr-1739	480	26	,	,	PUNCT
cblr-1739	480	27	1255	1255	NUM
cblr-1739	480	28	(	(	PUNCT
cblr-1739	480	29	2005	2005	NUM
cblr-1739	480	30	)	)	PUNCT
cblr-1739	480	31	;	;	PUNCT
cblr-1739	480	32	wright	wright	PROPN
cblr-1739	480	33	&	&	CCONJ
cblr-1739	480	34	ginsburg	ginsburg	PROPN
cblr-1739	480	35	,	,	PUNCT
cblr-1739	480	36	supra	supra	PROPN
cblr-1739	480	37	note	note	NOUN
cblr-1739	480	38	120	120	NUM
cblr-1739	480	39	,	,	PUNCT
cblr-1739	480	40	at	at	ADP
cblr-1739	480	41	1041	1041	NUM
cblr-1739	480	42	(	(	PUNCT
cblr-1739	480	43	“	"	PUNCT
cblr-1739	480	44	the	the	DET
cblr-1739	480	45	behavioral	behavioral	ADJ
cblr-1739	480	46	law	law	NOUN
cblr-1739	480	47	and	and	CCONJ
cblr-1739	480	48	economics	economic	NOUN
cblr-1739	480	49	literature	literature	PROPN
cblr-1739	480	50	exhibits	exhibit	VERB
cblr-1739	480	51	a	a	DET
cblr-1739	480	52	strong	strong	ADJ
cblr-1739	480	53	tendency	tendency	NOUN
cblr-1739	480	54	to	to	PART
cblr-1739	480	55	ignore	ignore	VERB
cblr-1739	480	56	the	the	DET
cblr-1739	480	57	social	social	ADJ
cblr-1739	480	58	benefits	benefit	NOUN
cblr-1739	480	59	of	of	ADP
cblr-1739	480	60	error	error	NOUN
cblr-1739	480	61	.	.	PUNCT
cblr-1739	481	1	at	at	ADP
cblr-1739	481	2	the	the	DET
cblr-1739	481	3	same	same	ADJ
cblr-1739	481	4	time	time	NOUN
cblr-1739	481	5	,	,	PUNCT
cblr-1739	481	6	it	it	PRON
cblr-1739	481	7	tends	tend	VERB
cblr-1739	481	8	to	to	PART
cblr-1739	481	9	overestimate	overestimate	VERB
cblr-1739	481	10	the	the	DET
cblr-1739	481	11	social	social	ADJ
cblr-1739	481	12	costs	cost	NOUN
cblr-1739	481	13	of	of	ADP
cblr-1739	481	14	errors	error	NOUN
cblr-1739	481	15	.	.	PUNCT
cblr-1739	481	16	”	"	PUNCT
cblr-1739	481	17	)	)	PUNCT
cblr-1739	481	18	.	.	PUNCT
cblr-1739	482	1	geslevich	geslevich	PROPN
cblr-1739	482	2	packin	packin	PROPN
cblr-1739	482	3	&	&	CCONJ
cblr-1739	482	4	lev	lev	PROPN
cblr-1739	482	5	-	-	PUNCT
cblr-1739	482	6	aretz	aretz	PROPN
cblr-1739	482	7	–	–	PUNCT
cblr-1739	482	8	final	final	ADJ
cblr-1739	482	9	372	372	NUM
cblr-1739	482	10	columbia	columbia	PROPN
cblr-1739	482	11	business	business	NOUN
cblr-1739	482	12	law	law	PROPN
cblr-1739	482	13	review	review	NOUN
cblr-1739	483	1	[	[	X
cblr-1739	483	2	vol	vol	NOUN
cblr-1739	483	3	.	.	NOUN
cblr-1739	483	4	2016	2016	NUM
cblr-1739	483	5	b.	b.	PROPN
cblr-1739	483	6	to	to	ADP
cblr-1739	483	7	network	network	VERB
cblr-1739	483	8	or	or	CCONJ
cblr-1739	483	9	not	not	PART
cblr-1739	483	10	to	to	PART
cblr-1739	483	11	network	network	VERB
cblr-1739	483	12	traditional	traditional	ADJ
cblr-1739	483	13	law	law	NOUN
cblr-1739	483	14	and	and	CCONJ
cblr-1739	483	15	economics	economic	NOUN
cblr-1739	483	16	rests	rest	VERB
cblr-1739	483	17	on	on	ADP
cblr-1739	483	18	the	the	DET
cblr-1739	483	19	assumption	assumption	NOUN
cblr-1739	483	20	that	that	PRON
cblr-1739	483	21	pursuant	pursuant	VERB
cblr-1739	483	22	to	to	ADP
cblr-1739	483	23	a	a	DET
cblr-1739	483	24	set	set	NOUN
cblr-1739	483	25	of	of	ADP
cblr-1739	483	26	consistent	consistent	ADJ
cblr-1739	483	27	preferences	preference	NOUN
cblr-1739	483	28	,	,	PUNCT
cblr-1739	483	29	individuals	individual	NOUN
cblr-1739	483	30	attempt	attempt	VERB
cblr-1739	483	31	to	to	PART
cblr-1739	483	32	maximize	maximize	VERB
cblr-1739	483	33	their	their	PRON
cblr-1739	483	34	utility	utility	NOUN
cblr-1739	483	35	.	.	PUNCT
cblr-1739	484	1	utility	utility	NOUN
cblr-1739	484	2	is	be	AUX
cblr-1739	484	3	commonly	commonly	ADV
cblr-1739	484	4	defined	define	VERB
cblr-1739	484	5	as	as	ADP
cblr-1739	484	6	the	the	DET
cblr-1739	484	7	level	level	NOUN
cblr-1739	484	8	of	of	ADP
cblr-1739	484	9	satisfaction	satisfaction	NOUN
cblr-1739	484	10	they	they	PRON
cblr-1739	484	11	obtain	obtain	VERB
cblr-1739	484	12	from	from	ADP
cblr-1739	484	13	selecting	select	VERB
cblr-1739	484	14	a	a	DET
cblr-1739	484	15	certain	certain	ADJ
cblr-1739	484	16	activity	activity	NOUN
cblr-1739	484	17	or	or	CCONJ
cblr-1739	484	18	product	product	NOUN
cblr-1739	484	19	,	,	PUNCT
cblr-1739	484	20	based	base	VERB
cblr-1739	484	21	upon	upon	SCONJ
cblr-1739	484	22	preferences	preference	NOUN
cblr-1739	484	23	.	.	PUNCT
cblr-1739	485	1	individuals	individual	NOUN
cblr-1739	485	2	in	in	ADP
cblr-1739	485	3	financial	financial	ADJ
cblr-1739	485	4	markets	market	NOUN
cblr-1739	485	5	are	be	AUX
cblr-1739	485	6	no	no	ADV
cblr-1739	485	7	different	different	ADJ
cblr-1739	485	8	:	:	PUNCT
cblr-1739	485	9	they	they	PRON
cblr-1739	485	10	too	too	ADV
cblr-1739	485	11	adapt	adapt	VERB
cblr-1739	485	12	to	to	ADP
cblr-1739	485	13	the	the	DET
cblr-1739	485	14	behavior	behavior	NOUN
cblr-1739	485	15	of	of	ADP
cblr-1739	485	16	other	other	ADJ
cblr-1739	485	17	players	player	NOUN
cblr-1739	485	18	in	in	ADP
cblr-1739	485	19	the	the	DET
cblr-1739	485	20	market	market	NOUN
cblr-1739	485	21	and	and	CCONJ
cblr-1739	485	22	to	to	ADP
cblr-1739	485	23	the	the	DET
cblr-1739	485	24	legal	legal	ADJ
cblr-1739	485	25	rules	rule	NOUN
cblr-1739	485	26	that	that	PRON
cblr-1739	485	27	govern	govern	VERB
cblr-1739	485	28	their	their	PRON
cblr-1739	485	29	behavior	behavior	NOUN
cblr-1739	485	30	in	in	ADP
cblr-1739	485	31	an	an	DET
cblr-1739	485	32	attempt	attempt	NOUN
cblr-1739	485	33	to	to	PART
cblr-1739	485	34	maximize	maximize	VERB
cblr-1739	485	35	their	their	PRON
cblr-1739	485	36	utility.137	utility.137	NOUN
cblr-1739	485	37	rational	rational	ADJ
cblr-1739	485	38	individuals	individual	NOUN
cblr-1739	485	39	are	be	AUX
cblr-1739	485	40	expected	expect	VERB
cblr-1739	485	41	to	to	PART
cblr-1739	485	42	respond	respond	VERB
cblr-1739	485	43	in	in	ADP
cblr-1739	485	44	one	one	NUM
cblr-1739	485	45	of	of	ADP
cblr-1739	485	46	two	two	NUM
cblr-1739	485	47	ways	way	NOUN
cblr-1739	485	48	to	to	ADP
cblr-1739	485	49	the	the	DET
cblr-1739	485	50	rise	rise	NOUN
cblr-1739	485	51	of	of	ADP
cblr-1739	485	52	a	a	DET
cblr-1739	485	53	shadow	shadow	NOUN
cblr-1739	485	54	credit	credit	NOUN
cblr-1739	485	55	system	system	NOUN
cblr-1739	485	56	that	that	PRON
cblr-1739	485	57	heavily	heavily	ADV
cblr-1739	485	58	relies	rely	VERB
cblr-1739	485	59	on	on	ADP
cblr-1739	485	60	their	their	PRON
cblr-1739	485	61	social	social	ADJ
cblr-1739	485	62	qualities	quality	NOUN
cblr-1739	485	63	.	.	PUNCT
cblr-1739	486	1	the	the	DET
cblr-1739	486	2	first	first	ADJ
cblr-1739	486	3	type	type	NOUN
cblr-1739	486	4	would	would	AUX
cblr-1739	486	5	avoid	avoid	VERB
cblr-1739	486	6	social	social	ADJ
cblr-1739	486	7	networks	network	NOUN
cblr-1739	486	8	or	or	CCONJ
cblr-1739	486	9	actively	actively	ADV
cblr-1739	486	10	minimize	minimize	VERB
cblr-1739	486	11	her	her	PRON
cblr-1739	486	12	online	online	ADJ
cblr-1739	486	13	social	social	ADJ
cblr-1739	486	14	footprints	footprint	NOUN
cblr-1739	486	15	as	as	ADP
cblr-1739	486	16	a	a	DET
cblr-1739	486	17	means	means	NOUN
cblr-1739	486	18	to	to	PART
cblr-1739	486	19	prioritize	prioritize	VERB
cblr-1739	486	20	other	other	ADJ
cblr-1739	486	21	,	,	PUNCT
cblr-1739	486	22	more	more	ADV
cblr-1739	486	23	valuable	valuable	ADJ
cblr-1739	486	24	interests	interest	NOUN
cblr-1739	486	25	.	.	PUNCT
cblr-1739	487	1	the	the	DET
cblr-1739	487	2	second	second	ADJ
cblr-1739	487	3	type	type	NOUN
cblr-1739	487	4	would	would	AUX
cblr-1739	487	5	act	act	VERB
cblr-1739	487	6	to	to	PART
cblr-1739	487	7	achieve	achieve	VERB
cblr-1739	487	8	the	the	DET
cblr-1739	487	9	highest	high	ADJ
cblr-1739	487	10	possible	possible	ADJ
cblr-1739	487	11	social	social	ADJ
cblr-1739	487	12	score	score	NOUN
cblr-1739	487	13	for	for	ADP
cblr-1739	487	14	herself	herself	PRON
cblr-1739	487	15	by	by	ADP
cblr-1739	487	16	portraying	portray	VERB
cblr-1739	487	17	an	an	DET
cblr-1739	487	18	online	online	ADJ
cblr-1739	487	19	image	image	NOUN
cblr-1739	487	20	of	of	ADP
cblr-1739	487	21	creditworthy	creditworthy	ADJ
cblr-1739	487	22	social	social	ADJ
cblr-1739	487	23	circles.138	circles.138	PROPN
cblr-1739	487	24	1	1	NUM
cblr-1739	487	25	.	.	PUNCT
cblr-1739	488	1	type	type	NOUN
cblr-1739	488	2	a	a	PRON
cblr-1739	488	3	—	—	PUNCT
cblr-1739	488	4	rational	rational	ADJ
cblr-1739	488	5	and	and	CCONJ
cblr-1739	488	6	maximizing	maximize	VERB
cblr-1739	488	7	nonfinancial	nonfinancial	ADJ
cblr-1739	488	8	utility	utility	NOUN
cblr-1739	488	9	the	the	DET
cblr-1739	488	10	first	first	ADJ
cblr-1739	488	11	group	group	NOUN
cblr-1739	488	12	of	of	ADP
cblr-1739	488	13	rational	rational	ADJ
cblr-1739	488	14	individuals	individual	NOUN
cblr-1739	488	15	,	,	PUNCT
cblr-1739	488	16	referred	refer	VERB
cblr-1739	488	17	to	to	ADP
cblr-1739	488	18	as	as	ADP
cblr-1739	488	19	type	type	NOUN
cblr-1739	488	20	a	a	PRON
cblr-1739	488	21	,	,	PUNCT
cblr-1739	488	22	includes	include	VERB
cblr-1739	488	23	individuals	individual	NOUN
cblr-1739	488	24	who	who	PRON
cblr-1739	488	25	,	,	PUNCT
cblr-1739	488	26	when	when	SCONJ
cblr-1739	488	27	applying	apply	VERB
cblr-1739	488	28	for	for	ADP
cblr-1739	488	29	a	a	DET
cblr-1739	488	30	loan	loan	NOUN
cblr-1739	488	31	,	,	PUNCT
cblr-1739	488	32	would	would	AUX
cblr-1739	488	33	maximize	maximize	VERB
cblr-1739	488	34	their	their	PRON
cblr-1739	488	35	utility	utility	NOUN
cblr-1739	488	36	by	by	ADP
cblr-1739	488	37	prioritizing	prioritize	VERB
cblr-1739	488	38	privacy	privacy	NOUN
cblr-1739	488	39	or	or	CCONJ
cblr-1739	488	40	other	other	ADJ
cblr-1739	488	41	nonmonetary	nonmonetary	ADJ
cblr-1739	488	42	interests	interest	NOUN
cblr-1739	488	43	above	above	ADP
cblr-1739	488	44	saving	save	VERB
cblr-1739	488	45	transaction	transaction	NOUN
cblr-1739	488	46	costs	cost	NOUN
cblr-1739	488	47	.	.	PUNCT
cblr-1739	489	1	type	type	VERB
cblr-1739	489	2	a	a	DET
cblr-1739	489	3	individuals	individual	NOUN
cblr-1739	489	4	would	would	AUX
cblr-1739	489	5	act	act	VERB
cblr-1739	489	6	to	to	PART
cblr-1739	489	7	minimize	minimize	VERB
cblr-1739	489	8	their	their	PRON
cblr-1739	489	9	online	online	ADJ
cblr-1739	489	10	social	social	ADJ
cblr-1739	489	11	footprint	footprint	NOUN
cblr-1739	489	12	,	,	PUNCT
cblr-1739	489	13	make	make	VERB
cblr-1739	489	14	themselves	themselves	PRON
cblr-1739	489	15	untraceable	untraceable	ADJ
cblr-1739	489	16	,	,	PUNCT
cblr-1739	489	17	completely	completely	ADV
cblr-1739	489	18	avoid	avoid	VERB
cblr-1739	489	19	social	social	ADJ
cblr-1739	489	20	interactions	interaction	NOUN
cblr-1739	489	21	online	online	ADV
cblr-1739	489	22	,	,	PUNCT
cblr-1739	489	23	or	or	CCONJ
cblr-1739	489	24	consciously	consciously	ADV
cblr-1739	489	25	refuse	refuse	VERB
cblr-1739	489	26	to	to	PART
cblr-1739	489	27	make	make	VERB
cblr-1739	489	28	changes	change	NOUN
cblr-1739	489	29	to	to	ADP
cblr-1739	489	30	their	their	PRON
cblr-1739	489	31	online	online	ADJ
cblr-1739	489	32	social	social	ADJ
cblr-1739	489	33	persona.139	persona.139	PROPN
cblr-1739	489	34	as	as	ADP
cblr-1739	489	35	with	with	ADP
cblr-1739	489	36	other	other	ADJ
cblr-1739	489	37	alternative	alternative	ADJ
cblr-1739	489	38	underwriting	underwriting	NOUN
cblr-1739	489	39	methods	method	NOUN
cblr-1739	489	40	,	,	PUNCT
cblr-1739	489	41	determining	determine	VERB
cblr-1739	489	42	the	the	DET
cblr-1739	489	43	socialbased	socialbased	ADJ
cblr-1739	489	44	score	score	NOUN
cblr-1739	489	45	of	of	ADP
cblr-1739	489	46	a	a	DET
cblr-1739	489	47	loan	loan	NOUN
cblr-1739	489	48	seeker	seeker	NOUN
cblr-1739	489	49	requires	require	VERB
cblr-1739	489	50	a	a	DET
cblr-1739	489	51	detailed	detailed	ADJ
cblr-1739	489	52	due	due	ADJ
cblr-1739	489	53	diligence	diligence	NOUN
cblr-1739	489	54	process	process	NOUN
cblr-1739	489	55	that	that	PRON
cblr-1739	489	56	comes	come	VERB
cblr-1739	489	57	with	with	ADP
cblr-1739	489	58	extra	extra	ADJ
cblr-1739	489	59	costs	cost	NOUN
cblr-1739	489	60	.	.	PUNCT
cblr-1739	490	1	collecting	collect	VERB
cblr-1739	490	2	sufficient	sufficient	ADJ
cblr-1739	490	3	and	and	CCONJ
cblr-1739	490	4	137	137	NUM
cblr-1739	490	5	see	see	NOUN
cblr-1739	490	6	gerding	gerding	NOUN
cblr-1739	490	7	,	,	PUNCT
cblr-1739	490	8	supra	supra	PROPN
cblr-1739	490	9	note	note	PROPN
cblr-1739	490	10	18	18	NUM
cblr-1739	490	11	,	,	PUNCT
cblr-1739	490	12	at	at	ADP
cblr-1739	490	13	179	179	NUM
cblr-1739	490	14	.	.	PUNCT
cblr-1739	491	1	138	138	NUM
cblr-1739	492	1	i	i	PRON
cblr-1739	492	2	d.	d.	PROPN
cblr-1739	492	3	(	(	PUNCT
cblr-1739	492	4	noting	note	VERB
cblr-1739	492	5	that	that	SCONJ
cblr-1739	492	6	,	,	PUNCT
cblr-1739	492	7	in	in	ADP
cblr-1739	492	8	general	general	ADJ
cblr-1739	492	9	terms	term	NOUN
cblr-1739	492	10	,	,	PUNCT
cblr-1739	492	11	such	such	ADJ
cblr-1739	492	12	adaptive	adaptive	ADJ
cblr-1739	492	13	response	response	NOUN
cblr-1739	492	14	means	mean	VERB
cblr-1739	492	15	to	to	PART
cblr-1739	492	16	look	look	VERB
cblr-1739	492	17	for	for	ADP
cblr-1739	492	18	innovative	innovative	ADJ
cblr-1739	492	19	ways	way	NOUN
cblr-1739	492	20	to	to	PART
cblr-1739	492	21	game	game	VERB
cblr-1739	492	22	the	the	DET
cblr-1739	492	23	system	system	NOUN
cblr-1739	492	24	and	and	CCONJ
cblr-1739	492	25	achieve	achieve	VERB
cblr-1739	492	26	abnormal	abnormal	ADJ
cblr-1739	492	27	returns	return	NOUN
cblr-1739	492	28	)	)	PUNCT
cblr-1739	492	29	.	.	PUNCT
cblr-1739	493	1	139	139	NUM
cblr-1739	493	2	for	for	ADP
cblr-1739	493	3	the	the	DET
cblr-1739	493	4	contrasting	contrast	VERB
cblr-1739	493	5	approach	approach	NOUN
cblr-1739	493	6	of	of	ADP
cblr-1739	493	7	type	type	NOUN
cblr-1739	493	8	b	b	PROPN
cblr-1739	493	9	individuals	individual	NOUN
cblr-1739	493	10	,	,	PUNCT
cblr-1739	493	11	see	see	VERB
cblr-1739	493	12	part	part	NOUN
cblr-1739	493	13	iii.b.2	iii.b.2	PUNCT
cblr-1739	493	14	.	.	PUNCT
cblr-1739	494	1	geslevich	geslevich	PROPN
cblr-1739	494	2	packin	packin	PROPN
cblr-1739	494	3	&	&	CCONJ
cblr-1739	494	4	lev	lev	PROPN
cblr-1739	494	5	-	-	PUNCT
cblr-1739	494	6	aretz	aretz	PROPN
cblr-1739	494	7	–	–	PUNCT
cblr-1739	494	8	final	final	ADJ
cblr-1739	494	9	no	no	NOUN
cblr-1739	494	10	.	.	PUNCT
cblr-1739	495	1	2:339	2:339	NUM
cblr-1739	495	2	]	]	X
cblr-1739	495	3	on	on	ADP
cblr-1739	495	4	social	social	ADJ
cblr-1739	495	5	credit	credit	NOUN
cblr-1739	495	6	373	373	NUM
cblr-1739	495	7	relevant	relevant	ADJ
cblr-1739	495	8	information	information	NOUN
cblr-1739	495	9	about	about	ADP
cblr-1739	495	10	social	social	ADJ
cblr-1739	495	11	attributes	attribute	NOUN
cblr-1739	495	12	to	to	PART
cblr-1739	495	13	analyze	analyze	VERB
cblr-1739	495	14	creditworthiness	creditworthiness	PROPN
cblr-1739	495	15	reassigns	reassign	VERB
cblr-1739	495	16	some	some	PRON
cblr-1739	495	17	of	of	ADP
cblr-1739	495	18	the	the	DET
cblr-1739	495	19	data	datum	NOUN
cblr-1739	495	20	analysis	analysis	NOUN
cblr-1739	495	21	work	work	NOUN
cblr-1739	495	22	from	from	ADP
cblr-1739	495	23	efficient	efficient	ADJ
cblr-1739	495	24	automated	automate	VERB
cblr-1739	495	25	systems	system	NOUN
cblr-1739	495	26	back	back	ADV
cblr-1739	495	27	to	to	ADP
cblr-1739	495	28	human	human	ADJ
cblr-1739	495	29	hands	hand	NOUN
cblr-1739	495	30	.	.	PUNCT
cblr-1739	496	1	it	it	PRON
cblr-1739	496	2	also	also	ADV
cblr-1739	496	3	necessitates	necessitate	VERB
cblr-1739	496	4	a	a	DET
cblr-1739	496	5	return	return	NOUN
cblr-1739	496	6	to	to	ADP
cblr-1739	496	7	traditional	traditional	ADJ
cblr-1739	496	8	underwriting	underwriting	NOUN
cblr-1739	496	9	models	model	NOUN
cblr-1739	496	10	that	that	PRON
cblr-1739	496	11	are	be	AUX
cblr-1739	496	12	less	less	ADV
cblr-1739	496	13	efficient	efficient	ADJ
cblr-1739	496	14	and	and	CCONJ
cblr-1739	496	15	costlier	costly	ADJ
cblr-1739	496	16	in	in	ADP
cblr-1739	496	17	terms	term	NOUN
cblr-1739	496	18	of	of	ADP
cblr-1739	496	19	processing	processing	NOUN
cblr-1739	496	20	than	than	ADP
cblr-1739	496	21	those	those	PRON
cblr-1739	496	22	offered	offer	VERB
cblr-1739	496	23	by	by	ADP
cblr-1739	496	24	alternative	alternative	ADJ
cblr-1739	496	25	lenders	lender	NOUN
cblr-1739	496	26	.	.	PUNCT
cblr-1739	497	1	thus	thus	ADV
cblr-1739	497	2	,	,	PUNCT
cblr-1739	497	3	the	the	PRON
cblr-1739	497	4	lower	low	ADJ
cblr-1739	497	5	the	the	DET
cblr-1739	497	6	place	place	NOUN
cblr-1739	497	7	privacy	privacy	NOUN
cblr-1739	497	8	or	or	CCONJ
cblr-1739	497	9	other	other	ADJ
cblr-1739	497	10	interests	interest	NOUN
cblr-1739	497	11	have	have	VERB
cblr-1739	497	12	in	in	ADP
cblr-1739	497	13	an	an	DET
cblr-1739	497	14	applicant	applicant	NOUN
cblr-1739	497	15	’s	’s	PART
cblr-1739	497	16	preferences	preference	NOUN
cblr-1739	497	17	list	list	NOUN
cblr-1739	497	18	,	,	PUNCT
cblr-1739	497	19	the	the	DET
cblr-1739	497	20	more	more	ADV
cblr-1739	497	21	readily	readily	ADV
cblr-1739	497	22	available	available	ADJ
cblr-1739	497	23	relevant	relevant	ADJ
cblr-1739	497	24	information	information	NOUN
cblr-1739	497	25	on	on	ADP
cblr-1739	497	26	the	the	DET
cblr-1739	497	27	applicant	applicant	NOUN
cblr-1739	497	28	is	be	AUX
cblr-1739	497	29	found	find	VERB
cblr-1739	497	30	via	via	ADP
cblr-1739	497	31	social	social	ADJ
cblr-1739	497	32	networks	network	NOUN
cblr-1739	497	33	and	and	CCONJ
cblr-1739	497	34	big	big	ADJ
cblr-1739	497	35	data	datum	NOUN
cblr-1739	497	36	aggregators	aggregator	NOUN
cblr-1739	497	37	,	,	PUNCT
cblr-1739	497	38	the	the	PRON
cblr-1739	497	39	simpler	simple	ADJ
cblr-1739	497	40	the	the	DET
cblr-1739	497	41	process	process	NOUN
cblr-1739	497	42	of	of	ADP
cblr-1739	497	43	obtaining	obtain	VERB
cblr-1739	497	44	and	and	CCONJ
cblr-1739	497	45	analyzing	analyze	VERB
cblr-1739	497	46	information	information	NOUN
cblr-1739	497	47	to	to	PART
cblr-1739	497	48	assess	assess	VERB
cblr-1739	497	49	an	an	DET
cblr-1739	497	50	applicant	applicant	NOUN
cblr-1739	497	51	’s	’s	PART
cblr-1739	497	52	creditworthiness	creditworthiness	NOUN
cblr-1739	497	53	is	be	AUX
cblr-1739	497	54	,	,	PUNCT
cblr-1739	497	55	and	and	CCONJ
cblr-1739	497	56	the	the	PRON
cblr-1739	497	57	cheaper	cheap	ADJ
cblr-1739	497	58	the	the	DET
cblr-1739	497	59	related	relate	VERB
cblr-1739	497	60	transaction	transaction	NOUN
cblr-1739	497	61	costs	cost	NOUN
cblr-1739	497	62	are	be	AUX
cblr-1739	497	63	.	.	PUNCT
cblr-1739	498	1	because	because	SCONJ
cblr-1739	498	2	lower	low	ADJ
cblr-1739	498	3	transaction	transaction	NOUN
cblr-1739	498	4	costs	cost	NOUN
cblr-1739	498	5	mean	mean	VERB
cblr-1739	498	6	fewer	few	ADJ
cblr-1739	498	7	costs	cost	NOUN
cblr-1739	498	8	would	would	AUX
cblr-1739	498	9	be	be	AUX
cblr-1739	498	10	passed	pass	VERB
cblr-1739	498	11	on	on	ADP
cblr-1739	498	12	to	to	ADP
cblr-1739	498	13	loan	loan	NOUN
cblr-1739	498	14	seekers	seeker	NOUN
cblr-1739	498	15	,	,	PUNCT
cblr-1739	498	16	many	many	ADJ
cblr-1739	498	17	individuals	individual	NOUN
cblr-1739	498	18	would	would	AUX
cblr-1739	498	19	prefer	prefer	VERB
cblr-1739	498	20	that	that	SCONJ
cblr-1739	498	21	lenders	lender	NOUN
cblr-1739	498	22	calculate	calculate	VERB
cblr-1739	498	23	a	a	DET
cblr-1739	498	24	social	social	ADJ
cblr-1739	498	25	credit	credit	NOUN
cblr-1739	498	26	score	score	NOUN
cblr-1739	498	27	for	for	ADP
cblr-1739	498	28	them	they	PRON
cblr-1739	498	29	using	use	VERB
cblr-1739	498	30	social	social	ADJ
cblr-1739	498	31	networks	network	NOUN
cblr-1739	498	32	.	.	PUNCT
cblr-1739	499	1	maximizing	maximize	VERB
cblr-1739	499	2	utility	utility	NOUN
cblr-1739	499	3	by	by	ADP
cblr-1739	499	4	prioritizing	prioritize	VERB
cblr-1739	499	5	a	a	DET
cblr-1739	499	6	discount	discount	NOUN
cblr-1739	499	7	or	or	CCONJ
cblr-1739	499	8	other	other	ADJ
cblr-1739	499	9	benefits	benefit	NOUN
cblr-1739	499	10	over	over	ADP
cblr-1739	499	11	privacy	privacy	NOUN
cblr-1739	499	12	has	have	AUX
cblr-1739	499	13	proved	prove	VERB
cblr-1739	499	14	to	to	PART
cblr-1739	499	15	be	be	AUX
cblr-1739	499	16	a	a	DET
cblr-1739	499	17	viable	viable	ADJ
cblr-1739	499	18	business	business	NOUN
cblr-1739	499	19	model	model	NOUN
cblr-1739	499	20	for	for	ADP
cblr-1739	499	21	many	many	ADJ
cblr-1739	499	22	businesses	business	NOUN
cblr-1739	499	23	,	,	PUNCT
cblr-1739	499	24	including	include	VERB
cblr-1739	499	25	progressive	progressive	ADJ
cblr-1739	499	26	’s	’s	PART
cblr-1739	499	27	car	car	NOUN
cblr-1739	499	28	insurance.140	insurance.140	ADJ
cblr-1739	499	29	by	by	ADP
cblr-1739	499	30	placing	place	VERB
cblr-1739	499	31	the	the	DET
cblr-1739	499	32	highest	high	ADJ
cblr-1739	499	33	utility	utility	NOUN
cblr-1739	499	34	value	value	NOUN
cblr-1739	499	35	on	on	ADP
cblr-1739	499	36	privacy	privacy	NOUN
cblr-1739	499	37	or	or	CCONJ
cblr-1739	499	38	other	other	ADJ
cblr-1739	499	39	non	non	ADJ
cblr-1739	499	40	-	-	ADJ
cblr-1739	499	41	monetary	monetary	ADJ
cblr-1739	499	42	interests	interest	NOUN
cblr-1739	499	43	such	such	ADJ
cblr-1739	499	44	as	as	ADP
cblr-1739	499	45	ideological	ideological	ADJ
cblr-1739	499	46	social	social	ADJ
cblr-1739	499	47	networks	network	NOUN
cblr-1739	499	48	avoidance	avoidance	NOUN
cblr-1739	499	49	,	,	PUNCT
cblr-1739	499	50	type	type	VERB
cblr-1739	499	51	a	a	DET
cblr-1739	499	52	individuals	individual	NOUN
cblr-1739	499	53	pay	pay	VERB
cblr-1739	499	54	the	the	DET
cblr-1739	499	55	price	price	NOUN
cblr-1739	499	56	of	of	ADP
cblr-1739	499	57	having	have	VERB
cblr-1739	499	58	the	the	DET
cblr-1739	499	59	transaction	transaction	NOUN
cblr-1739	499	60	costs	cost	NOUN
cblr-1739	499	61	for	for	ADP
cblr-1739	499	62	the	the	DET
cblr-1739	499	63	due	due	ADJ
cblr-1739	499	64	diligence	diligence	NOUN
cblr-1739	499	65	processes	process	NOUN
cblr-1739	499	66	rolled	roll	VERB
cblr-1739	499	67	over	over	ADP
cblr-1739	499	68	to	to	ADP
cblr-1739	499	69	them	they	PRON
cblr-1739	499	70	.	.	PUNCT
cblr-1739	500	1	these	these	DET
cblr-1739	500	2	additional	additional	ADJ
cblr-1739	500	3	costs	cost	NOUN
cblr-1739	500	4	would	would	AUX
cblr-1739	500	5	be	be	AUX
cblr-1739	500	6	further	far	ADV
cblr-1739	500	7	intensified	intensify	VERB
cblr-1739	500	8	by	by	ADP
cblr-1739	500	9	dynamics	dynamic	NOUN
cblr-1739	500	10	of	of	ADP
cblr-1739	500	11	“	"	PUNCT
cblr-1739	500	12	unraveling	unravel	VERB
cblr-1739	500	13	.	.	PUNCT
cblr-1739	501	1	”141	”141	NOUN
cblr-1739	501	2	in	in	ADP
cblr-1739	501	3	a	a	DET
cblr-1739	501	4	world	world	NOUN
cblr-1739	501	5	where	where	SCONJ
cblr-1739	501	6	social	social	ADJ
cblr-1739	501	7	credit	credit	NOUN
cblr-1739	501	8	slowly	slowly	ADV
cblr-1739	501	9	becomes	become	VERB
cblr-1739	501	10	more	more	ADV
cblr-1739	501	11	and	and	CCONJ
cblr-1739	501	12	more	more	ADV
cblr-1739	501	13	mainstream	mainstream	ADJ
cblr-1739	501	14	,	,	PUNCT
cblr-1739	501	15	individuals	individual	NOUN
cblr-1739	501	16	may	may	AUX
cblr-1739	501	17	increasingly	increasingly	ADV
cblr-1739	501	18	choose	choose	VERB
cblr-1739	501	19	to	to	PART
cblr-1739	501	20	over	over	ADV
cblr-1739	501	21	-	-	PUNCT
cblr-1739	501	22	disclose	disclose	VERB
cblr-1739	501	23	information	information	NOUN
cblr-1739	501	24	on	on	ADP
cblr-1739	501	25	social	social	ADJ
cblr-1739	501	26	networks	network	NOUN
cblr-1739	501	27	,	,	PUNCT
cblr-1739	501	28	both	both	CCONJ
cblr-1739	501	29	because	because	SCONJ
cblr-1739	501	30	of	of	ADP
cblr-1739	501	31	custom	custom	NOUN
cblr-1739	501	32	and	and	CCONJ
cblr-1739	501	33	because	because	SCONJ
cblr-1739	501	34	the	the	DET
cblr-1739	501	35	equilibrium	equilibrium	NOUN
cblr-1739	501	36	in	in	ADP
cblr-1739	501	37	the	the	DET
cblr-1739	501	38	marketplace	marketplace	NOUN
cblr-1739	501	39	would	would	AUX
cblr-1739	501	40	tilt	tilt	VERB
cblr-1739	501	41	toward	toward	ADP
cblr-1739	501	42	disclosure	disclosure	NOUN
cblr-1739	501	43	as	as	ADP
cblr-1739	501	44	a	a	DET
cblr-1739	501	45	condition	condition	NOUN
cblr-1739	501	46	of	of	ADP
cblr-1739	501	47	market	market	NOUN
cblr-1739	501	48	entry.142	entry.142	PROPN
cblr-1739	501	49	as	as	ADP
cblr-1739	501	50	a	a	DET
cblr-1739	501	51	result	result	NOUN
cblr-1739	501	52	,	,	PUNCT
cblr-1739	501	53	type	type	VERB
cblr-1739	501	54	a	a	DET
cblr-1739	501	55	individuals	individual	NOUN
cblr-1739	501	56	,	,	PUNCT
cblr-1739	501	57	who	who	PRON
cblr-1739	501	58	maximize	maximize	VERB
cblr-1739	501	59	their	their	PRON
cblr-1739	501	60	utility	utility	NOUN
cblr-1739	501	61	by	by	ADP
cblr-1739	501	62	prioritizing	prioritize	VERB
cblr-1739	501	63	non	non	ADJ
cblr-1739	501	64	-	-	ADJ
cblr-1739	501	65	monetary	monetary	ADJ
cblr-1739	501	66	values	value	NOUN
cblr-1739	501	67	,	,	PUNCT
cblr-1739	501	68	would	would	AUX
cblr-1739	501	69	suffer	suffer	VERB
cblr-1739	501	70	from	from	ADP
cblr-1739	501	71	an	an	DET
cblr-1739	501	72	increasingly	increasingly	ADV
cblr-1739	501	73	costly	costly	ADJ
cblr-1739	501	74	financial	financial	ADJ
cblr-1739	501	75	penalty	penalty	NOUN
cblr-1739	501	76	for	for	ADP
cblr-1739	501	77	doing	do	VERB
cblr-1739	501	78	so	so	ADV
cblr-1739	501	79	.	.	PUNCT
cblr-1739	502	1	140	140	NUM
cblr-1739	502	2	see	see	VERB
cblr-1739	502	3	robert	robert	PROPN
cblr-1739	502	4	passikoff	passikoff	PROPN
cblr-1739	502	5	,	,	PUNCT
cblr-1739	502	6	progressive	progressive	ADJ
cblr-1739	502	7	adds	add	VERB
cblr-1739	502	8	‘	'	PUNCT
cblr-1739	502	9	bad	bad	ADJ
cblr-1739	502	10	driver	driver	NOUN
cblr-1739	502	11	’	'	PUNCT
cblr-1739	502	12	surveillance	surveillance	NOUN
cblr-1739	502	13	to	to	ADP
cblr-1739	502	14	snapshot	snapshot	NOUN
cblr-1739	502	15	telematics	telematic	NOUN
cblr-1739	502	16	,	,	PUNCT
cblr-1739	502	17	forbes	forbes	X
cblr-1739	502	18	(	(	PUNCT
cblr-1739	502	19	mar	mar	PROPN
cblr-1739	502	20	.	.	PROPN
cblr-1739	502	21	31	31	NUM
cblr-1739	502	22	,	,	PUNCT
cblr-1739	502	23	2015	2015	NUM
cblr-1739	502	24	)	)	PUNCT
cblr-1739	502	25	,	,	PUNCT
cblr-1739	502	26	http://www.forbes.com/sites/	http://www.forbes.com/sites/	PROPN
cblr-1739	502	27	robertpassikoff/2015/03/31	robertpassikoff/2015/03/31	NOUN
cblr-1739	502	28	/	/	SYM
cblr-1739	502	29	progressive	progressive	ADJ
cblr-1739	502	30	-	-	PUNCT
cblr-1739	502	31	adds	add	VERB
cblr-1739	502	32	-	-	PUNCT
cblr-1739	502	33	bad	bad	ADJ
cblr-1739	502	34	-	-	PUNCT
cblr-1739	502	35	driver	driver	NOUN
cblr-1739	502	36	-	-	PUNCT
cblr-1739	502	37	surveillance	surveillance	NOUN
cblr-1739	502	38	-	-	PUNCT
cblr-1739	502	39	tosnapshot	tosnapshot	NOUN
cblr-1739	502	40	-	-	PUNCT
cblr-1739	502	41	telematics/	telematics/	NUM
cblr-1739	502	42	[	[	X
cblr-1739	502	43	http://perma.cc/5j6h-xmev	http://perma.cc/5j6h-xmev	X
cblr-1739	502	44	]	]	X
cblr-1739	502	45	.	.	PUNCT
cblr-1739	503	1	141	141	NUM
cblr-1739	503	2	see	see	VERB
cblr-1739	503	3	peppet	peppet	NOUN
cblr-1739	503	4	,	,	PUNCT
cblr-1739	503	5	supra	supra	PROPN
cblr-1739	503	6	note	note	PROPN
cblr-1739	503	7	17	17	NUM
cblr-1739	503	8	,	,	PUNCT
cblr-1739	503	9	at	at	ADP
cblr-1739	503	10	1176	1176	NUM
cblr-1739	503	11	.	.	PUNCT
cblr-1739	504	1	142	142	NUM
cblr-1739	504	2	see	see	VERB
cblr-1739	504	3	i	i	PROPN
cblr-1739	504	4	d.	d.	PROPN
cblr-1739	504	5	geslevich	geslevich	PROPN
cblr-1739	504	6	packin	packin	PROPN
cblr-1739	504	7	&	&	CCONJ
cblr-1739	504	8	lev	lev	PROPN
cblr-1739	504	9	-	-	PUNCT
cblr-1739	504	10	aretz	aretz	PROPN
cblr-1739	504	11	–	–	PUNCT
cblr-1739	504	12	final	final	ADJ
cblr-1739	504	13	374	374	NUM
cblr-1739	504	14	columbia	columbia	PROPN
cblr-1739	504	15	business	business	NOUN
cblr-1739	504	16	law	law	PROPN
cblr-1739	504	17	review	review	NOUN
cblr-1739	504	18	[	[	X
cblr-1739	504	19	vol	vol	NOUN
cblr-1739	504	20	.	.	NOUN
cblr-1739	504	21	2016	2016	NUM
cblr-1739	504	22	the	the	DET
cblr-1739	504	23	more	more	ADV
cblr-1739	504	24	mainstream	mainstream	ADJ
cblr-1739	504	25	social	social	ADJ
cblr-1739	504	26	credit	credit	NOUN
cblr-1739	504	27	becomes	become	VERB
cblr-1739	504	28	,	,	PUNCT
cblr-1739	504	29	the	the	PRON
cblr-1739	504	30	more	more	ADV
cblr-1739	504	31	likely	likely	ADJ
cblr-1739	504	32	the	the	DET
cblr-1739	504	33	unraveling	unravel	VERB
cblr-1739	504	34	dynamic	dynamic	NOUN
cblr-1739	504	35	would	would	AUX
cblr-1739	504	36	prevail	prevail	VERB
cblr-1739	504	37	,	,	PUNCT
cblr-1739	504	38	allowing	allow	VERB
cblr-1739	504	39	only	only	ADJ
cblr-1739	504	40	wealthy	wealthy	ADJ
cblr-1739	504	41	individuals	individual	NOUN
cblr-1739	504	42	to	to	PART
cblr-1739	504	43	protect	protect	VERB
cblr-1739	504	44	their	their	PRON
cblr-1739	504	45	privacy	privacy	NOUN
cblr-1739	504	46	.	.	PUNCT
cblr-1739	505	1	these	these	DET
cblr-1739	505	2	individuals	individual	NOUN
cblr-1739	505	3	can	can	AUX
cblr-1739	505	4	afford	afford	VERB
cblr-1739	505	5	to	to	PART
cblr-1739	505	6	organize	organize	VERB
cblr-1739	505	7	their	their	PRON
cblr-1739	505	8	preferences	preference	NOUN
cblr-1739	505	9	in	in	ADP
cblr-1739	505	10	a	a	DET
cblr-1739	505	11	way	way	NOUN
cblr-1739	505	12	that	that	PRON
cblr-1739	505	13	incurs	incur	VERB
cblr-1739	505	14	substantial	substantial	ADJ
cblr-1739	505	15	financial	financial	ADJ
cblr-1739	505	16	costs	cost	NOUN
cblr-1739	505	17	to	to	PART
cblr-1739	505	18	protect	protect	VERB
cblr-1739	505	19	privacy	privacy	NOUN
cblr-1739	505	20	.	.	PUNCT
cblr-1739	506	1	many	many	ADJ
cblr-1739	506	2	less	less	ADV
cblr-1739	506	3	financially	financially	ADV
cblr-1739	506	4	secure	secure	ADJ
cblr-1739	506	5	individuals	individual	NOUN
cblr-1739	506	6	,	,	PUNCT
cblr-1739	506	7	even	even	ADV
cblr-1739	506	8	while	while	SCONJ
cblr-1739	506	9	sharing	share	VERB
cblr-1739	506	10	similar	similar	ADJ
cblr-1739	506	11	views	view	NOUN
cblr-1739	506	12	regarding	regard	VERB
cblr-1739	506	13	the	the	DET
cblr-1739	506	14	importance	importance	NOUN
cblr-1739	506	15	of	of	ADP
cblr-1739	506	16	privacy	privacy	NOUN
cblr-1739	506	17	,	,	PUNCT
cblr-1739	506	18	would	would	AUX
cblr-1739	506	19	not	not	PART
cblr-1739	506	20	be	be	AUX
cblr-1739	506	21	able	able	ADJ
cblr-1739	506	22	to	to	PART
cblr-1739	506	23	bear	bear	VERB
cblr-1739	506	24	the	the	DET
cblr-1739	506	25	expense	expense	NOUN
cblr-1739	506	26	of	of	ADP
cblr-1739	506	27	added	add	VERB
cblr-1739	506	28	transaction	transaction	NOUN
cblr-1739	506	29	costs	cost	NOUN
cblr-1739	506	30	passed	pass	VERB
cblr-1739	506	31	on	on	ADP
cblr-1739	506	32	to	to	ADP
cblr-1739	506	33	them	they	PRON
cblr-1739	506	34	.	.	PUNCT
cblr-1739	507	1	relying	rely	VERB
cblr-1739	507	2	on	on	ADP
cblr-1739	507	3	this	this	DET
cblr-1739	507	4	rationale	rationale	NOUN
cblr-1739	507	5	,	,	PUNCT
cblr-1739	507	6	we	we	PRON
cblr-1739	507	7	argue	argue	VERB
cblr-1739	507	8	that	that	DET
cblr-1739	507	9	type	type	NOUN
cblr-1739	507	10	a	a	DET
cblr-1739	507	11	individuals	individual	NOUN
cblr-1739	507	12	have	have	AUX
cblr-1739	507	13	essentially	essentially	ADV
cblr-1739	507	14	bought	buy	VERB
cblr-1739	507	15	for	for	ADP
cblr-1739	507	16	themselves	themselves	PRON
cblr-1739	507	17	a	a	DET
cblr-1739	507	18	right	right	NOUN
cblr-1739	507	19	to	to	PART
cblr-1739	507	20	be	be	AUX
cblr-1739	507	21	unnetworked	unnetworke	VERB
cblr-1739	507	22	,	,	PUNCT
cblr-1739	507	23	as	as	ADP
cblr-1739	507	24	explained	explain	VERB
cblr-1739	507	25	infra	infra	NOUN
cblr-1739	507	26	in	in	ADP
cblr-1739	507	27	part	part	NOUN
cblr-1739	507	28	vii	vii	PROPN
cblr-1739	507	29	,	,	PUNCT
cblr-1739	507	30	because	because	SCONJ
cblr-1739	507	31	they	they	PRON
cblr-1739	507	32	can	can	AUX
cblr-1739	507	33	afford	afford	VERB
cblr-1739	507	34	it	it	PRON
cblr-1739	507	35	.	.	PUNCT
cblr-1739	508	1	unlike	unlike	ADP
cblr-1739	508	2	type	type	NOUN
cblr-1739	508	3	a	a	DET
cblr-1739	508	4	individuals	individual	NOUN
cblr-1739	508	5	,	,	PUNCT
cblr-1739	508	6	type	type	NOUN
cblr-1739	508	7	b	b	NOUN
cblr-1739	508	8	individuals	individual	NOUN
cblr-1739	508	9	that	that	PRON
cblr-1739	508	10	act	act	VERB
cblr-1739	508	11	to	to	PART
cblr-1739	508	12	improve	improve	VERB
cblr-1739	508	13	their	their	PRON
cblr-1739	508	14	perceived	perceive	VERB
cblr-1739	508	15	online	online	ADJ
cblr-1739	508	16	persona	persona	NOUN
cblr-1739	508	17	would	would	AUX
cblr-1739	508	18	enjoy	enjoy	VERB
cblr-1739	508	19	lower	low	ADJ
cblr-1739	508	20	transaction	transaction	NOUN
cblr-1739	508	21	costs	cost	NOUN
cblr-1739	508	22	.	.	PUNCT
cblr-1739	509	1	by	by	ADP
cblr-1739	509	2	deviating	deviate	VERB
cblr-1739	509	3	from	from	ADP
cblr-1739	509	4	pure	pure	ADJ
cblr-1739	509	5	financial	financial	ADJ
cblr-1739	509	6	utility	utility	NOUN
cblr-1739	509	7	maximization	maximization	NOUN
cblr-1739	509	8	,	,	PUNCT
cblr-1739	509	9	type	type	VERB
cblr-1739	509	10	a	a	DET
cblr-1739	509	11	individuals	individual	NOUN
cblr-1739	509	12	knowingly	knowingly	ADV
cblr-1739	509	13	opt	opt	VERB
cblr-1739	509	14	for	for	ADP
cblr-1739	509	15	less	less	ADJ
cblr-1739	509	16	than	than	ADP
cblr-1739	509	17	ideal	ideal	ADJ
cblr-1739	509	18	financial	financial	ADJ
cblr-1739	509	19	terms	term	NOUN
cblr-1739	509	20	.	.	PUNCT
cblr-1739	510	1	2	2	X
cblr-1739	510	2	.	.	NOUN
cblr-1739	510	3	type	type	NOUN
cblr-1739	510	4	b	b	NOUN
cblr-1739	510	5	—	—	PUNCT
cblr-1739	510	6	rational	rational	ADJ
cblr-1739	510	7	and	and	CCONJ
cblr-1739	510	8	socially	socially	ADV
cblr-1739	510	9	practical	practical	ADJ
cblr-1739	510	10	the	the	DET
cblr-1739	510	11	second	second	ADJ
cblr-1739	510	12	group	group	NOUN
cblr-1739	510	13	of	of	ADP
cblr-1739	510	14	rational	rational	ADJ
cblr-1739	510	15	individuals	individual	NOUN
cblr-1739	510	16	,	,	PUNCT
cblr-1739	510	17	labeled	label	VERB
cblr-1739	510	18	as	as	ADP
cblr-1739	510	19	type	type	NOUN
cblr-1739	510	20	b	b	NOUN
cblr-1739	510	21	,	,	PUNCT
cblr-1739	510	22	includes	include	VERB
cblr-1739	510	23	individuals	individual	NOUN
cblr-1739	510	24	who	who	PRON
cblr-1739	510	25	use	use	VERB
cblr-1739	510	26	social	social	ADJ
cblr-1739	510	27	networks	network	NOUN
cblr-1739	510	28	and	and	CCONJ
cblr-1739	510	29	maximize	maximize	VERB
cblr-1739	510	30	their	their	PRON
cblr-1739	510	31	utility	utility	NOUN
cblr-1739	510	32	by	by	ADP
cblr-1739	510	33	prioritizing	prioritize	VERB
cblr-1739	510	34	savings	saving	NOUN
cblr-1739	510	35	to	to	PART
cblr-1739	510	36	gain	gain	VERB
cblr-1739	510	37	financial	financial	ADJ
cblr-1739	510	38	advantages	advantage	NOUN
cblr-1739	510	39	.	.	PUNCT
cblr-1739	511	1	indeed	indeed	ADV
cblr-1739	511	2	,	,	PUNCT
cblr-1739	511	3	recognizing	recognize	VERB
cblr-1739	511	4	the	the	DET
cblr-1739	511	5	far	far	ADV
cblr-1739	511	6	-	-	PUNCT
cblr-1739	511	7	reaching	reach	VERB
cblr-1739	511	8	effects	effect	NOUN
cblr-1739	511	9	of	of	ADP
cblr-1739	511	10	credit	credit	NOUN
cblr-1739	511	11	scores	score	NOUN
cblr-1739	511	12	on	on	ADP
cblr-1739	511	13	their	their	PRON
cblr-1739	511	14	financial	financial	ADJ
cblr-1739	511	15	lives	life	NOUN
cblr-1739	511	16	,	,	PUNCT
cblr-1739	511	17	consumers	consumer	NOUN
cblr-1739	511	18	tend	tend	VERB
cblr-1739	511	19	to	to	PART
cblr-1739	511	20	be	be	AUX
cblr-1739	511	21	very	very	ADV
cblr-1739	511	22	mindful	mindful	ADJ
cblr-1739	511	23	of	of	ADP
cblr-1739	511	24	their	their	PRON
cblr-1739	511	25	credit.143	credit.143	NOUN
cblr-1739	511	26	in	in	ADP
cblr-1739	511	27	fact	fact	NOUN
cblr-1739	511	28	,	,	PUNCT
cblr-1739	511	29	access	access	NOUN
cblr-1739	511	30	to	to	ADP
cblr-1739	511	31	credit	credit	NOUN
cblr-1739	511	32	reports	report	NOUN
cblr-1739	511	33	,	,	PUNCT
cblr-1739	511	34	which	which	PRON
cblr-1739	511	35	are	be	AUX
cblr-1739	511	36	valuable	valuable	ADJ
cblr-1739	511	37	sources	source	NOUN
cblr-1739	511	38	of	of	ADP
cblr-1739	511	39	information	information	NOUN
cblr-1739	511	40	for	for	ADP
cblr-1739	511	41	consumers	consumer	NOUN
cblr-1739	511	42	,	,	PUNCT
cblr-1739	511	43	has	have	AUX
cblr-1739	511	44	even	even	ADV
cblr-1739	511	45	been	be	AUX
cblr-1739	511	46	cited	cite	VERB
cblr-1739	511	47	as	as	ADP
cblr-1739	511	48	a	a	DET
cblr-1739	511	49	fundamental	fundamental	ADJ
cblr-1739	511	50	right.144	right.144	NOUN
cblr-1739	511	51	a	a	DET
cblr-1739	511	52	consumer	consumer	NOUN
cblr-1739	511	53	with	with	ADP
cblr-1739	511	54	a	a	DET
cblr-1739	511	55	better	well	ADJ
cblr-1739	511	56	understanding	understanding	NOUN
cblr-1739	511	57	of	of	ADP
cblr-1739	511	58	her	her	PRON
cblr-1739	511	59	credit	credit	NOUN
cblr-1739	511	60	standing	stand	VERB
cblr-1739	511	61	143	143	NUM
cblr-1739	511	62	consumers	consumer	NOUN
cblr-1739	511	63	feel	feel	VERB
cblr-1739	511	64	their	their	PRON
cblr-1739	511	65	reports	report	NOUN
cblr-1739	511	66	are	be	AUX
cblr-1739	511	67	relevant	relevant	ADJ
cblr-1739	511	68	to	to	ADP
cblr-1739	511	69	their	their	PRON
cblr-1739	511	70	lives	life	NOUN
cblr-1739	511	71	to	to	ADP
cblr-1739	511	72	a	a	DET
cblr-1739	511	73	great	great	ADJ
cblr-1739	511	74	extent	extent	NOUN
cblr-1739	511	75	and	and	CCONJ
cblr-1739	511	76	wish	wish	VERB
cblr-1739	511	77	they	they	PRON
cblr-1739	511	78	had	have	VERB
cblr-1739	511	79	more	more	ADJ
cblr-1739	511	80	power	power	NOUN
cblr-1739	511	81	to	to	PART
cblr-1739	511	82	affect	affect	VERB
cblr-1739	511	83	them	they	PRON
cblr-1739	511	84	.	.	PUNCT
cblr-1739	512	1	see	see	VERB
cblr-1739	512	2	generally	generally	ADV
cblr-1739	512	3	vanessa	vanessa	PROPN
cblr-1739	512	4	g.	g.	PROPN
cblr-1739	512	5	perry	perry	PROPN
cblr-1739	512	6	&	&	CCONJ
cblr-1739	512	7	marlene	marlene	PROPN
cblr-1739	512	8	morris	morris	PROPN
cblr-1739	512	9	,	,	PUNCT
cblr-1739	512	10	who	who	PRON
cblr-1739	512	11	is	be	AUX
cblr-1739	512	12	in	in	ADP
cblr-1739	512	13	control	control	NOUN
cblr-1739	512	14	?	?	PUNCT
cblr-1739	512	15	:	:	PUNCT
cblr-1739	512	16	the	the	DET
cblr-1739	512	17	role	role	NOUN
cblr-1739	512	18	of	of	ADP
cblr-1739	512	19	selfperception	selfperception	NOUN
cblr-1739	512	20	,	,	PUNCT
cblr-1739	512	21	knowledge	knowledge	NOUN
cblr-1739	512	22	,	,	PUNCT
cblr-1739	512	23	and	and	CCONJ
cblr-1739	512	24	income	income	NOUN
cblr-1739	512	25	in	in	ADP
cblr-1739	512	26	explaining	explain	VERB
cblr-1739	512	27	consumer	consumer	NOUN
cblr-1739	512	28	behavior	behavior	NOUN
cblr-1739	512	29	,	,	PUNCT
cblr-1739	512	30	39	39	NUM
cblr-1739	512	31	j.	j.	PROPN
cblr-1739	512	32	consumer	consumer	PROPN
cblr-1739	512	33	aff	aff	PROPN
cblr-1739	512	34	.	.	PUNCT
cblr-1739	513	1	299	299	NUM
cblr-1739	513	2	(	(	PUNCT
cblr-1739	513	3	2005	2005	NUM
cblr-1739	513	4	)	)	PUNCT
cblr-1739	513	5	.	.	PUNCT
cblr-1739	514	1	144	144	NUM
cblr-1739	514	2	consumer	consumer	NOUN
cblr-1739	514	3	fin	fin	NOUN
cblr-1739	514	4	.	.	PUNCT
cblr-1739	515	1	prot	prot	PROPN
cblr-1739	515	2	.	.	PUNCT
cblr-1739	516	1	bureau	bureau	NOUN
cblr-1739	516	2	,	,	PUNCT
cblr-1739	516	3	key	key	ADJ
cblr-1739	516	4	dimensions	dimension	NOUN
cblr-1739	516	5	and	and	CCONJ
cblr-1739	516	6	processes	process	NOUN
cblr-1739	516	7	in	in	ADP
cblr-1739	516	8	the	the	DET
cblr-1739	516	9	u.s	u.s	PROPN
cblr-1739	516	10	.	.	PROPN
cblr-1739	516	11	credit	credit	NOUN
cblr-1739	516	12	reporting	reporting	NOUN
cblr-1739	516	13	system	system	NOUN
cblr-1739	516	14	:	:	PUNCT
cblr-1739	516	15	a	a	DET
cblr-1739	516	16	review	review	NOUN
cblr-1739	516	17	of	of	ADP
cblr-1739	516	18	how	how	SCONJ
cblr-1739	516	19	the	the	DET
cblr-1739	516	20	nation	nation	NOUN
cblr-1739	516	21	’s	’s	PART
cblr-1739	516	22	largest	large	ADJ
cblr-1739	516	23	credit	credit	NOUN
cblr-1739	516	24	bureaus	bureaus	NOUN
cblr-1739	516	25	manage	manage	VERB
cblr-1739	516	26	consumer	consumer	NOUN
cblr-1739	516	27	data	datum	NOUN
cblr-1739	516	28	(	(	PUNCT
cblr-1739	516	29	2012	2012	NUM
cblr-1739	516	30	)	)	PUNCT
cblr-1739	516	31	.	.	PUNCT
cblr-1739	517	1	the	the	DET
cblr-1739	517	2	cfpb	cfpb	NOUN
cblr-1739	517	3	has	have	AUX
cblr-1739	517	4	also	also	ADV
cblr-1739	517	5	reported	report	VERB
cblr-1739	517	6	that	that	SCONJ
cblr-1739	517	7	approximately	approximately	ADV
cblr-1739	517	8	twenty	twenty	NUM
cblr-1739	517	9	-	-	PUNCT
cblr-1739	517	10	six	six	NUM
cblr-1739	517	11	million	million	NUM
cblr-1739	517	12	consumers	consumer	NOUN
cblr-1739	517	13	buy	buy	VERB
cblr-1739	517	14	or	or	CCONJ
cblr-1739	517	15	obtain	obtain	VERB
cblr-1739	517	16	credit	credit	NOUN
cblr-1739	517	17	reports	report	NOUN
cblr-1739	517	18	from	from	ADP
cblr-1739	517	19	commercial	commercial	ADJ
cblr-1739	517	20	credit	credit	NOUN
cblr-1739	517	21	monitoring	monitoring	NOUN
cblr-1739	517	22	services	service	NOUN
cblr-1739	517	23	.	.	PUNCT
cblr-1739	518	1	geslevich	geslevich	PROPN
cblr-1739	518	2	packin	packin	PROPN
cblr-1739	518	3	&	&	CCONJ
cblr-1739	518	4	lev	lev	PROPN
cblr-1739	518	5	-	-	PUNCT
cblr-1739	518	6	aretz	aretz	PROPN
cblr-1739	518	7	–	–	PUNCT
cblr-1739	518	8	final	final	ADJ
cblr-1739	518	9	no	no	NOUN
cblr-1739	518	10	.	.	PUNCT
cblr-1739	519	1	2:339	2:339	NUM
cblr-1739	519	2	]	]	X
cblr-1739	519	3	on	on	ADP
cblr-1739	519	4	social	social	ADJ
cblr-1739	519	5	credit	credit	NOUN
cblr-1739	519	6	375	375	NUM
cblr-1739	519	7	is	be	AUX
cblr-1739	519	8	better	well	ADV
cblr-1739	519	9	equipped	equip	VERB
cblr-1739	519	10	to	to	PART
cblr-1739	519	11	shop	shop	VERB
cblr-1739	519	12	for	for	ADP
cblr-1739	519	13	better	well	ADJ
cblr-1739	519	14	credit	credit	NOUN
cblr-1739	519	15	terms.145	terms.145	NOUN
cblr-1739	519	16	consumers	consumer	NOUN
cblr-1739	519	17	who	who	PRON
cblr-1739	519	18	monitor	monitor	VERB
cblr-1739	519	19	their	their	PRON
cblr-1739	519	20	credit	credit	NOUN
cblr-1739	519	21	reports	report	NOUN
cblr-1739	519	22	can	can	AUX
cblr-1739	519	23	also	also	ADV
cblr-1739	519	24	identify	identify	VERB
cblr-1739	519	25	potential	potential	ADJ
cblr-1739	519	26	errors	error	NOUN
cblr-1739	519	27	or	or	CCONJ
cblr-1739	519	28	problems	problem	NOUN
cblr-1739	519	29	in	in	ADP
cblr-1739	519	30	a	a	DET
cblr-1739	519	31	credit	credit	NOUN
cblr-1739	519	32	file	file	NOUN
cblr-1739	519	33	and	and	CCONJ
cblr-1739	519	34	make	make	VERB
cblr-1739	519	35	corrections	correction	NOUN
cblr-1739	519	36	quickly	quickly	ADV
cblr-1739	519	37	to	to	PART
cblr-1739	519	38	improve	improve	VERB
cblr-1739	519	39	their	their	PRON
cblr-1739	519	40	credit	credit	NOUN
cblr-1739	519	41	score.146	score.146	NOUN
cblr-1739	519	42	moreover	moreover	ADV
cblr-1739	519	43	,	,	PUNCT
cblr-1739	519	44	consumers	consumer	NOUN
cblr-1739	519	45	can	can	AUX
cblr-1739	519	46	access	access	VERB
cblr-1739	519	47	information	information	NOUN
cblr-1739	519	48	that	that	PRON
cblr-1739	519	49	can	can	AUX
cblr-1739	519	50	prove	prove	VERB
cblr-1739	519	51	useful	useful	ADJ
cblr-1739	519	52	in	in	ADP
cblr-1739	519	53	helping	help	VERB
cblr-1739	519	54	improve	improve	VERB
cblr-1739	519	55	and	and	CCONJ
cblr-1739	519	56	better	well	ADV
cblr-1739	519	57	manage	manage	VERB
cblr-1739	519	58	their	their	PRON
cblr-1739	519	59	credit	credit	NOUN
cblr-1739	519	60	obligations	obligation	NOUN
cblr-1739	519	61	,	,	PUNCT
cblr-1739	519	62	and	and	CCONJ
cblr-1739	519	63	,	,	PUNCT
cblr-1739	519	64	consequently	consequently	ADV
cblr-1739	519	65	,	,	PUNCT
cblr-1739	519	66	their	their	PRON
cblr-1739	519	67	credit	credit	NOUN
cblr-1739	519	68	standing.147	standing.147	NOUN
cblr-1739	519	69	currently	currently	ADV
cblr-1739	519	70	in	in	ADP
cblr-1739	519	71	the	the	DET
cblr-1739	519	72	consumer	consumer	NOUN
cblr-1739	519	73	credit	credit	NOUN
cblr-1739	519	74	market	market	NOUN
cblr-1739	519	75	,	,	PUNCT
cblr-1739	519	76	consumers	consumer	NOUN
cblr-1739	519	77	are	be	AUX
cblr-1739	519	78	mindful	mindful	ADJ
cblr-1739	519	79	of	of	ADP
cblr-1739	519	80	their	their	PRON
cblr-1739	519	81	credit	credit	NOUN
cblr-1739	519	82	score	score	NOUN
cblr-1739	519	83	and	and	CCONJ
cblr-1739	519	84	aspire	aspire	VERB
cblr-1739	519	85	to	to	PART
cblr-1739	519	86	improve	improve	VERB
cblr-1739	519	87	it	it	PRON
cblr-1739	519	88	if	if	SCONJ
cblr-1739	519	89	possible	possible	ADJ
cblr-1739	519	90	,	,	PUNCT
cblr-1739	519	91	or	or	CCONJ
cblr-1739	519	92	at	at	ADP
cblr-1739	519	93	least	least	ADJ
cblr-1739	519	94	attempt	attempt	VERB
cblr-1739	519	95	to	to	PART
cblr-1739	519	96	avoid	avoid	VERB
cblr-1739	519	97	taking	take	VERB
cblr-1739	519	98	actions	action	NOUN
cblr-1739	519	99	that	that	PRON
cblr-1739	519	100	would	would	AUX
cblr-1739	519	101	have	have	VERB
cblr-1739	519	102	a	a	DET
cblr-1739	519	103	negative	negative	ADJ
cblr-1739	519	104	impact	impact	NOUN
cblr-1739	519	105	on	on	ADP
cblr-1739	519	106	their	their	PRON
cblr-1739	519	107	scores	score	NOUN
cblr-1739	519	108	.	.	PUNCT
cblr-1739	520	1	studies	study	NOUN
cblr-1739	520	2	have	have	AUX
cblr-1739	520	3	shown	show	VERB
cblr-1739	520	4	that	that	SCONJ
cblr-1739	520	5	consumers	consumer	NOUN
cblr-1739	520	6	generally	generally	ADV
cblr-1739	520	7	understand	understand	VERB
cblr-1739	520	8	the	the	DET
cblr-1739	520	9	inclusion	inclusion	NOUN
cblr-1739	520	10	and	and	CCONJ
cblr-1739	520	11	exclusion	exclusion	NOUN
cblr-1739	520	12	of	of	ADP
cblr-1739	520	13	certain	certain	ADJ
cblr-1739	520	14	elements	element	NOUN
cblr-1739	520	15	of	of	ADP
cblr-1739	520	16	their	their	PRON
cblr-1739	520	17	financial	financial	ADJ
cblr-1739	520	18	histories	history	NOUN
cblr-1739	520	19	in	in	ADP
cblr-1739	520	20	their	their	PRON
cblr-1739	520	21	credit	credit	NOUN
cblr-1739	520	22	report.148	report.148	NOUN
cblr-1739	520	23	some	some	DET
cblr-1739	520	24	recent	recent	ADJ
cblr-1739	520	25	news	news	NOUN
cblr-1739	520	26	reports	report	VERB
cblr-1739	520	27	headlines	headline	NOUN
cblr-1739	520	28	describe	describe	VERB
cblr-1739	520	29	a	a	DET
cblr-1739	520	30	new	new	ADJ
cblr-1739	520	31	era	era	NOUN
cblr-1739	520	32	in	in	ADP
cblr-1739	520	33	social	social	ADJ
cblr-1739	520	34	credit	credit	NOUN
cblr-1739	520	35	systems	system	NOUN
cblr-1739	520	36	in	in	ADP
cblr-1739	520	37	which	which	PRON
cblr-1739	520	38	“	"	PUNCT
cblr-1739	520	39	your	your	PRON
cblr-1739	520	40	deadbeat	deadbeat	NOUN
cblr-1739	520	41	facebook	facebook	NOUN
cblr-1739	520	42	friends	friend	NOUN
cblr-1739	520	43	could	could	AUX
cblr-1739	520	44	cost	cost	VERB
cblr-1739	520	45	you	you	PRON
cblr-1739	520	46	a	a	DET
cblr-1739	520	47	loan,”149	loan,”149	NOUN
cblr-1739	520	48	or	or	CCONJ
cblr-1739	520	49	alternatively	alternatively	ADV
cblr-1739	520	50	,	,	PUNCT
cblr-1739	520	51	“	"	PUNCT
cblr-1739	520	52	[	[	PUNCT
cblr-1739	520	53	y]our	y]our	NUM
cblr-1739	520	54	facebook	facebook	NOUN
cblr-1739	520	55	friends	friend	NOUN
cblr-1739	520	56	could	could	AUX
cblr-1739	520	57	be	be	AUX
cblr-1739	520	58	the	the	DET
cblr-1739	520	59	ticket	ticket	NOUN
cblr-1739	520	60	to	to	ADP
cblr-1739	520	61	your	your	PRON
cblr-1739	520	62	next	next	ADJ
cblr-1739	520	63	loan	loan	NOUN
cblr-1739	520	64	.	.	PUNCT
cblr-1739	520	65	”150	”150	NOUN
cblr-1739	520	66	upon	upon	SCONJ
cblr-1739	520	67	learning	learn	VERB
cblr-1739	520	68	about	about	ADP
cblr-1739	520	69	social	social	ADJ
cblr-1739	520	70	credit	credit	NOUN
cblr-1739	520	71	and	and	CCONJ
cblr-1739	520	72	the	the	DET
cblr-1739	520	73	main	main	ADJ
cblr-1739	520	74	factors	factor	NOUN
cblr-1739	520	75	considered	consider	VERB
cblr-1739	520	76	,	,	PUNCT
cblr-1739	520	77	type	type	NOUN
cblr-1739	520	78	b	b	NOUN
cblr-1739	520	79	individuals	individual	NOUN
cblr-1739	520	80	would	would	AUX
cblr-1739	520	81	become	become	VERB
cblr-1739	520	82	more	more	ADV
cblr-1739	520	83	mindful	mindful	ADJ
cblr-1739	520	84	of	of	ADP
cblr-1739	520	85	what	what	PRON
cblr-1739	520	86	can	can	AUX
cblr-1739	520	87	help	help	VERB
cblr-1739	520	88	them	they	PRON
cblr-1739	520	89	obtain	obtain	VERB
cblr-1739	520	90	and	and	CCONJ
cblr-1739	520	91	maintain	maintain	VERB
cblr-1739	520	92	a	a	DET
cblr-1739	520	93	better	well	ADJ
cblr-1739	520	94	credit	credit	NOUN
cblr-1739	520	95	score	score	NOUN
cblr-1739	520	96	.	.	PUNCT
cblr-1739	521	1	type	type	NOUN
cblr-1739	521	2	b	b	NOUN
cblr-1739	521	3	consumers	consumer	NOUN
cblr-1739	521	4	,	,	PUNCT
cblr-1739	521	5	who	who	PRON
cblr-1739	521	6	prioritize	prioritize	VERB
cblr-1739	521	7	savings	saving	NOUN
cblr-1739	521	8	and	and	CCONJ
cblr-1739	521	9	seek	seek	VERB
cblr-1739	521	10	to	to	PART
cblr-1739	521	11	achieve	achieve	VERB
cblr-1739	521	12	the	the	DET
cblr-1739	521	13	best	good	ADJ
cblr-1739	521	14	financial	financial	ADJ
cblr-1739	521	15	terms	term	NOUN
cblr-1739	521	16	,	,	PUNCT
cblr-1739	521	17	would	would	AUX
cblr-1739	521	18	likely	likely	ADV
cblr-1739	521	19	delete	delete	VERB
cblr-1739	521	20	“	"	PUNCT
cblr-1739	521	21	deadbeat	deadbeat	NOUN
cblr-1739	521	22	”	"	PUNCT
cblr-1739	521	23	friends	friend	NOUN
cblr-1739	521	24	and	and	CCONJ
cblr-1739	521	25	all	all	DET
cblr-1739	521	26	other	other	ADJ
cblr-1739	521	27	potentially	potentially	ADV
cblr-1739	521	28	tolling	toll	VERB
cblr-1739	521	29	friends	friend	NOUN
cblr-1739	521	30	who	who	PRON
cblr-1739	521	31	could	could	AUX
cblr-1739	521	32	negatively	negatively	ADV
cblr-1739	521	33	affect	affect	VERB
cblr-1739	521	34	their	their	PRON
cblr-1739	521	35	credit	credit	NOUN
cblr-1739	521	36	score.151	score.151	NOUN
cblr-1739	521	37	indeed	indeed	ADV
cblr-1739	521	38	,	,	PUNCT
cblr-1739	521	39	a	a	DET
cblr-1739	521	40	145	145	NUM
cblr-1739	521	41	see	see	NOUN
cblr-1739	521	42	,	,	PUNCT
cblr-1739	521	43	e.g.	e.g.	ADV
cblr-1739	521	44	,	,	PUNCT
cblr-1739	521	45	consumer	consumer	NOUN
cblr-1739	521	46	fin	fin	NOUN
cblr-1739	521	47	.	.	PUNCT
cblr-1739	522	1	prot	prot	PROPN
cblr-1739	522	2	.	.	PUNCT
cblr-1739	523	1	bureau	bureau	NOUN
cblr-1739	523	2	,	,	PUNCT
cblr-1739	523	3	consumer	consumer	NOUN
cblr-1739	523	4	voices	voice	NOUN
cblr-1739	523	5	on	on	ADP
cblr-1739	523	6	credit	credit	NOUN
cblr-1739	523	7	reports	report	NOUN
cblr-1739	523	8	and	and	CCONJ
cblr-1739	523	9	scores	score	NOUN
cblr-1739	523	10	7	7	NUM
cblr-1739	523	11	(	(	PUNCT
cblr-1739	523	12	2015	2015	NUM
cblr-1739	523	13	)	)	PUNCT
cblr-1739	523	14	,	,	PUNCT
cblr-1739	523	15	http://files.consumerfinance.gov/f/	http://files.consumerfinance.gov/f/	VERB
cblr-1739	523	16	201502_cfpb_report_consumer-voices-on-credit-reports-and-scores.pdf	201502_cfpb_report_consumer-voices-on-credit-reports-and-scores.pdf	NOUN
cblr-1739	524	1	[	[	X
cblr-1739	524	2	http://perma.cc/gr9t-8w5n	http://perma.cc/gr9t-8w5n	NOUN
cblr-1739	524	3	]	]	X
cblr-1739	524	4	.	.	PUNCT
cblr-1739	525	1	146	146	NUM
cblr-1739	526	1	i	i	PRON
cblr-1739	526	2	d.	d.	PROPN
cblr-1739	526	3	147	147	NUM
cblr-1739	527	1	i	i	PRON
cblr-1739	527	2	d.	d.	PROPN
cblr-1739	527	3	148	148	NUM
cblr-1739	527	4	see	see	VERB
cblr-1739	527	5	i	i	PRON
cblr-1739	527	6	d.	d.	PROPN
cblr-1739	527	7	at	at	ADP
cblr-1739	527	8	12	12	NUM
cblr-1739	527	9	.	.	PUNCT
cblr-1739	527	10	149	149	NUM
cblr-1739	527	11	see	see	VERB
cblr-1739	527	12	erika	erika	NOUN
cblr-1739	527	13	eichelberger	eichelberger	NOUN
cblr-1739	527	14	,	,	PUNCT
cblr-1739	527	15	your	your	PRON
cblr-1739	527	16	deadbeat	deadbeat	NOUN
cblr-1739	527	17	facebook	facebook	NOUN
cblr-1739	527	18	friends	friend	NOUN
cblr-1739	527	19	could	could	AUX
cblr-1739	527	20	cost	cost	VERB
cblr-1739	527	21	you	you	PRON
cblr-1739	527	22	a	a	DET
cblr-1739	527	23	loan	loan	NOUN
cblr-1739	527	24	,	,	PUNCT
cblr-1739	527	25	motherjones	motherjone	NOUN
cblr-1739	527	26	(	(	PUNCT
cblr-1739	527	27	sept	sept	PROPN
cblr-1739	527	28	.	.	PROPN
cblr-1739	527	29	18	18	NUM
cblr-1739	527	30	,	,	PUNCT
cblr-1739	527	31	2013	2013	NUM
cblr-1739	527	32	)	)	PUNCT
cblr-1739	527	33	,	,	PUNCT
cblr-1739	527	34	http://www.mother	http://www.mother	NOUN
cblr-1739	527	35	jones.com/politics/2013/09/lenders-vet-borrowers-social-media-facebook	jones.com/politics/2013/09/lenders-vet-borrowers-social-media-facebook	PROPN
cblr-1739	528	1	[	[	X
cblr-1739	528	2	http://perma.cc/f4d5-yz5s	http://perma.cc/f4d5-yz5s	X
cblr-1739	528	3	]	]	X
cblr-1739	528	4	.	.	PUNCT
cblr-1739	528	5	150	150	NUM
cblr-1739	528	6	see	see	VERB
cblr-1739	528	7	kia	kia	PROPN
cblr-1739	528	8	kokalitcheva	kokalitcheva	PROPN
cblr-1739	528	9	,	,	PUNCT
cblr-1739	528	10	your	your	PRON
cblr-1739	528	11	facebook	facebook	NOUN
cblr-1739	528	12	friends	friend	NOUN
cblr-1739	528	13	could	could	AUX
cblr-1739	528	14	be	be	AUX
cblr-1739	528	15	the	the	DET
cblr-1739	528	16	ticket	ticket	NOUN
cblr-1739	528	17	to	to	ADP
cblr-1739	528	18	your	your	PRON
cblr-1739	528	19	next	next	ADJ
cblr-1739	528	20	loan	loan	NOUN
cblr-1739	528	21	,	,	PUNCT
cblr-1739	528	22	fortune	fortune	NOUN
cblr-1739	528	23	(	(	PUNCT
cblr-1739	528	24	aug	aug	PROPN
cblr-1739	528	25	.	.	PROPN
cblr-1739	528	26	4	4	NUM
cblr-1739	528	27	,	,	PUNCT
cblr-1739	528	28	2015	2015	NUM
cblr-1739	528	29	)	)	PUNCT
cblr-1739	528	30	,	,	PUNCT
cblr-1739	528	31	http://fortune.com/2015/08/04/	http://fortune.com/2015/08/04/	PROPN
cblr-1739	528	32	facebook	facebook	NOUN
cblr-1739	528	33	-	-	PUNCT
cblr-1739	528	34	loan	loan	NOUN
cblr-1739	528	35	-	-	PUNCT
cblr-1739	528	36	approval	approval	NOUN
cblr-1739	528	37	-	-	PUNCT
cblr-1739	528	38	network/	network/	NUM
cblr-1739	528	39	[	[	X
cblr-1739	528	40	http://perma.cc/e6sf-74h5	http://perma.cc/e6sf-74h5	NOUN
cblr-1739	528	41	]	]	X
cblr-1739	528	42	.	.	PUNCT
cblr-1739	529	1	151	151	NUM
cblr-1739	529	2	such	such	DET
cblr-1739	529	3	an	an	DET
cblr-1739	529	4	inference	inference	NOUN
cblr-1739	529	5	is	be	AUX
cblr-1739	529	6	further	far	ADV
cblr-1739	529	7	supported	support	VERB
cblr-1739	529	8	by	by	ADP
cblr-1739	529	9	a	a	DET
cblr-1739	529	10	group	group	NOUN
cblr-1739	529	11	of	of	ADP
cblr-1739	529	12	economists	economist	NOUN
cblr-1739	529	13	who	who	PRON
cblr-1739	529	14	found	find	VERB
cblr-1739	529	15	that	that	SCONJ
cblr-1739	529	16	social	social	ADJ
cblr-1739	529	17	credit	credit	NOUN
cblr-1739	529	18	is	be	AUX
cblr-1739	529	19	likely	likely	ADJ
cblr-1739	529	20	to	to	PART
cblr-1739	529	21	make	make	VERB
cblr-1739	529	22	online	online	ADJ
cblr-1739	529	23	friendships	friendship	NOUN
cblr-1739	529	24	more	more	ADJ
cblr-1739	529	25	geslevich	geslevich	NOUN
cblr-1739	529	26	packin	packin	NOUN
cblr-1739	529	27	&	&	CCONJ
cblr-1739	529	28	lev	lev	PROPN
cblr-1739	529	29	-	-	PUNCT
cblr-1739	529	30	aretz	aretz	PROPN
cblr-1739	529	31	–	–	PUNCT
cblr-1739	529	32	final	final	ADJ
cblr-1739	529	33	376	376	NUM
cblr-1739	529	34	columbia	columbia	PROPN
cblr-1739	529	35	business	business	NOUN
cblr-1739	529	36	law	law	PROPN
cblr-1739	529	37	review	review	NOUN
cblr-1739	529	38	[	[	X
cblr-1739	529	39	vol	vol	NOUN
cblr-1739	529	40	.	.	NOUN
cblr-1739	529	41	2016	2016	NUM
cblr-1739	529	42	social	social	ADJ
cblr-1739	529	43	credit	credit	NOUN
cblr-1739	529	44	world	world	NOUN
cblr-1739	529	45	affords	afford	VERB
cblr-1739	529	46	very	very	ADV
cblr-1739	529	47	little	little	ADJ
cblr-1739	529	48	room	room	NOUN
cblr-1739	529	49	for	for	ADP
cblr-1739	529	50	social	social	ADJ
cblr-1739	529	51	mistakes	mistake	NOUN
cblr-1739	529	52	.	.	PUNCT
cblr-1739	530	1	with	with	ADP
cblr-1739	530	2	this	this	DET
cblr-1739	530	3	understanding	understanding	NOUN
cblr-1739	530	4	,	,	PUNCT
cblr-1739	530	5	type	type	NOUN
cblr-1739	530	6	b	b	NOUN
cblr-1739	530	7	individuals	individual	NOUN
cblr-1739	530	8	would	would	AUX
cblr-1739	530	9	quickly	quickly	ADV
cblr-1739	530	10	warm	warm	VERB
cblr-1739	530	11	up	up	ADP
cblr-1739	530	12	to	to	ADP
cblr-1739	530	13	the	the	DET
cblr-1739	530	14	possibility	possibility	NOUN
cblr-1739	530	15	of	of	ADP
cblr-1739	530	16	a	a	DET
cblr-1739	530	17	complete	complete	ADJ
cblr-1739	530	18	social	social	ADJ
cblr-1739	530	19	cleanup	cleanup	NOUN
cblr-1739	530	20	of	of	ADP
cblr-1739	530	21	their	their	PRON
cblr-1739	530	22	online	online	ADJ
cblr-1739	530	23	circles	circle	NOUN
cblr-1739	530	24	.	.	PUNCT
cblr-1739	531	1	however	however	ADV
cblr-1739	531	2	,	,	PUNCT
cblr-1739	531	3	merely	merely	ADV
cblr-1739	531	4	deleting	delete	VERB
cblr-1739	531	5	contacts	contact	NOUN
cblr-1739	531	6	is	be	AUX
cblr-1739	531	7	not	not	PART
cblr-1739	531	8	enough	enough	ADJ
cblr-1739	531	9	to	to	PART
cblr-1739	531	10	significantly	significantly	ADV
cblr-1739	531	11	improve	improve	VERB
cblr-1739	531	12	one	one	NUM
cblr-1739	531	13	’s	’s	PART
cblr-1739	531	14	credit	credit	NOUN
cblr-1739	531	15	standing	standing	NOUN
cblr-1739	531	16	.	.	PUNCT
cblr-1739	532	1	thus	thus	ADV
cblr-1739	532	2	,	,	PUNCT
cblr-1739	532	3	further	further	ADJ
cblr-1739	532	4	adaptation	adaptation	NOUN
cblr-1739	532	5	is	be	AUX
cblr-1739	532	6	expected	expect	VERB
cblr-1739	532	7	.	.	PUNCT
cblr-1739	533	1	just	just	ADV
cblr-1739	533	2	as	as	SCONJ
cblr-1739	533	3	consumers	consumer	NOUN
cblr-1739	533	4	understand	understand	VERB
cblr-1739	533	5	and	and	CCONJ
cblr-1739	533	6	act	act	VERB
cblr-1739	533	7	upon	upon	SCONJ
cblr-1739	533	8	the	the	DET
cblr-1739	533	9	negative	negative	ADJ
cblr-1739	533	10	consequences	consequence	NOUN
cblr-1739	533	11	of	of	ADP
cblr-1739	533	12	not	not	PART
cblr-1739	533	13	paying	pay	VERB
cblr-1739	533	14	a	a	DET
cblr-1739	533	15	past	past	ADJ
cblr-1739	533	16	due	due	ADJ
cblr-1739	533	17	bill	bill	NOUN
cblr-1739	533	18	,	,	PUNCT
cblr-1739	533	19	type	type	NOUN
cblr-1739	533	20	b	b	NOUN
cblr-1739	533	21	individuals	individual	NOUN
cblr-1739	533	22	will	will	AUX
cblr-1739	533	23	constantly	constantly	ADV
cblr-1739	533	24	have	have	VERB
cblr-1739	533	25	the	the	DET
cblr-1739	533	26	social	social	ADJ
cblr-1739	533	27	credit	credit	NOUN
cblr-1739	533	28	concept	concept	NOUN
cblr-1739	533	29	on	on	ADP
cblr-1739	533	30	their	their	PRON
cblr-1739	533	31	minds	mind	NOUN
cblr-1739	533	32	.	.	PUNCT
cblr-1739	534	1	as	as	ADP
cblr-1739	534	2	a	a	DET
cblr-1739	534	3	result	result	NOUN
cblr-1739	534	4	,	,	PUNCT
cblr-1739	534	5	they	they	PRON
cblr-1739	534	6	would	would	AUX
cblr-1739	534	7	not	not	PART
cblr-1739	534	8	only	only	ADV
cblr-1739	534	9	manicure	manicure	VERB
cblr-1739	534	10	their	their	PRON
cblr-1739	534	11	existing	exist	VERB
cblr-1739	534	12	network	network	NOUN
cblr-1739	534	13	,	,	PUNCT
cblr-1739	534	14	but	but	CCONJ
cblr-1739	534	15	also	also	ADV
cblr-1739	534	16	avoid	avoid	VERB
cblr-1739	534	17	adding	add	VERB
cblr-1739	534	18	new	new	ADJ
cblr-1739	534	19	contacts	contact	NOUN
cblr-1739	534	20	,	,	PUNCT
cblr-1739	534	21	and	and	CCONJ
cblr-1739	534	22	possibly	possibly	ADV
cblr-1739	534	23	even	even	ADV
cblr-1739	534	24	avoid	avoid	VERB
cblr-1739	534	25	forming	form	VERB
cblr-1739	534	26	new	new	ADJ
cblr-1739	534	27	offline	offline	ADJ
cblr-1739	534	28	friendships	friendship	NOUN
cblr-1739	534	29	with	with	ADP
cblr-1739	534	30	individuals	individual	NOUN
cblr-1739	534	31	perceived	perceive	VERB
cblr-1739	534	32	as	as	ADP
cblr-1739	534	33	financial	financial	ADJ
cblr-1739	534	34	red	red	ADJ
cblr-1739	534	35	flags	flag	NOUN
cblr-1739	534	36	.	.	PUNCT
cblr-1739	535	1	such	such	ADJ
cblr-1739	535	2	adaptation	adaptation	NOUN
cblr-1739	535	3	in	in	ADP
cblr-1739	535	4	consumer	consumer	NOUN
cblr-1739	535	5	behavior	behavior	NOUN
cblr-1739	535	6	would	would	AUX
cblr-1739	535	7	be	be	AUX
cblr-1739	535	8	neither	neither	CCONJ
cblr-1739	535	9	surprising	surprising	ADJ
cblr-1739	535	10	nor	nor	CCONJ
cblr-1739	535	11	a	a	DET
cblr-1739	535	12	first	first	ADJ
cblr-1739	535	13	.	.	PUNCT
cblr-1739	536	1	rational	rational	ADJ
cblr-1739	536	2	individuals	individual	NOUN
cblr-1739	536	3	try	try	VERB
cblr-1739	536	4	to	to	PART
cblr-1739	536	5	better	better	VERB
cblr-1739	536	6	their	their	PRON
cblr-1739	536	7	positions	position	NOUN
cblr-1739	536	8	in	in	ADP
cblr-1739	536	9	various	various	ADJ
cblr-1739	536	10	aspects	aspect	NOUN
cblr-1739	536	11	of	of	ADP
cblr-1739	536	12	life	life	NOUN
cblr-1739	536	13	by	by	ADP
cblr-1739	536	14	harnessing	harness	VERB
cblr-1739	536	15	different	different	ADJ
cblr-1739	536	16	systems	system	NOUN
cblr-1739	536	17	to	to	ADP
cblr-1739	536	18	their	their	PRON
cblr-1739	536	19	advantage	advantage	NOUN
cblr-1739	536	20	.	.	PUNCT
cblr-1739	537	1	empirical	empirical	ADJ
cblr-1739	537	2	evidence	evidence	NOUN
cblr-1739	537	3	of	of	ADP
cblr-1739	537	4	players	player	NOUN
cblr-1739	537	5	’	’	PART
cblr-1739	537	6	behavior	behavior	NOUN
cblr-1739	537	7	in	in	ADP
cblr-1739	537	8	other	other	ADJ
cblr-1739	537	9	markets	market	NOUN
cblr-1739	537	10	support	support	VERB
cblr-1739	537	11	the	the	DET
cblr-1739	537	12	assumption	assumption	NOUN
cblr-1739	537	13	that	that	SCONJ
cblr-1739	537	14	rational	rational	ADJ
cblr-1739	537	15	consumers	consumer	NOUN
cblr-1739	537	16	will	will	AUX
cblr-1739	537	17	adapt	adapt	VERB
cblr-1739	537	18	their	their	PRON
cblr-1739	537	19	behavior	behavior	NOUN
cblr-1739	537	20	to	to	ADP
cblr-1739	537	21	new	new	ADJ
cblr-1739	537	22	social	social	ADJ
cblr-1739	537	23	credit	credit	NOUN
cblr-1739	537	24	standards	standard	NOUN
cblr-1739	537	25	and	and	CCONJ
cblr-1739	537	26	norms	norm	NOUN
cblr-1739	537	27	.	.	PUNCT
cblr-1739	538	1	players	player	NOUN
cblr-1739	538	2	in	in	ADP
cblr-1739	538	3	other	other	ADJ
cblr-1739	538	4	markets	market	NOUN
cblr-1739	538	5	,	,	PUNCT
cblr-1739	538	6	understanding	understand	VERB
cblr-1739	538	7	the	the	DET
cblr-1739	538	8	link	link	NOUN
cblr-1739	538	9	between	between	ADP
cblr-1739	538	10	online	online	ADJ
cblr-1739	538	11	influence	influence	NOUN
cblr-1739	538	12	and	and	CCONJ
cblr-1739	538	13	the	the	DET
cblr-1739	538	14	social	social	ADJ
cblr-1739	538	15	standing	standing	NOUN
cblr-1739	538	16	and	and	CCONJ
cblr-1739	538	17	future	future	ADJ
cblr-1739	538	18	prospects	prospect	NOUN
cblr-1739	538	19	,	,	PUNCT
cblr-1739	538	20	have	have	AUX
cblr-1739	538	21	already	already	ADV
cblr-1739	538	22	demonstrated	demonstrate	VERB
cblr-1739	538	23	a	a	DET
cblr-1739	538	24	propensity	propensity	NOUN
cblr-1739	538	25	to	to	PART
cblr-1739	538	26	maximize	maximize	VERB
cblr-1739	538	27	financial	financial	ADJ
cblr-1739	538	28	gain	gain	NOUN
cblr-1739	538	29	.	.	PUNCT
cblr-1739	539	1	examples	example	NOUN
cblr-1739	539	2	of	of	ADP
cblr-1739	539	3	such	such	ADJ
cblr-1739	539	4	markets	market	NOUN
cblr-1739	539	5	include	include	VERB
cblr-1739	539	6	:	:	PUNCT
cblr-1739	539	7	(	(	PUNCT
cblr-1739	539	8	i	i	NOUN
cblr-1739	539	9	)	)	PUNCT
cblr-1739	539	10	education	education	NOUN
cblr-1739	539	11	enrollment	enrollment	NOUN
cblr-1739	539	12	,	,	PUNCT
cblr-1739	539	13	(	(	PUNCT
cblr-1739	539	14	ii	ii	NOUN
cblr-1739	539	15	)	)	PUNCT
cblr-1739	539	16	human	human	ADJ
cblr-1739	539	17	resources	resource	NOUN
cblr-1739	539	18	,	,	PUNCT
cblr-1739	539	19	and	and	CCONJ
cblr-1739	539	20	(	(	PUNCT
cblr-1739	539	21	iii	iii	NOUN
cblr-1739	539	22	)	)	PUNCT
cblr-1739	539	23	insurance	insurance	NOUN
cblr-1739	539	24	.	.	PUNCT
cblr-1739	540	1	it	it	PRON
cblr-1739	540	2	is	be	AUX
cblr-1739	540	3	a	a	DET
cblr-1739	540	4	well	well	ADV
cblr-1739	540	5	-	-	PUNCT
cblr-1739	540	6	established	establish	VERB
cblr-1739	540	7	truth	truth	NOUN
cblr-1739	540	8	that	that	PRON
cblr-1739	540	9	the	the	DET
cblr-1739	540	10	university	university	NOUN
cblr-1739	540	11	admission	admission	NOUN
cblr-1739	540	12	process	process	NOUN
cblr-1739	540	13	includes	include	VERB
cblr-1739	540	14	careful	careful	ADJ
cblr-1739	540	15	examination	examination	NOUN
cblr-1739	540	16	of	of	ADP
cblr-1739	540	17	an	an	DET
cblr-1739	540	18	applicant	applicant	NOUN
cblr-1739	540	19	’s	’s	PART
cblr-1739	540	20	online	online	ADJ
cblr-1739	540	21	social	social	ADJ
cblr-1739	540	22	activities	activity	NOUN
cblr-1739	540	23	,	,	PUNCT
cblr-1739	540	24	contacts	contact	NOUN
cblr-1739	540	25	,	,	PUNCT
cblr-1739	540	26	profile	profile	NOUN
cblr-1739	540	27	,	,	PUNCT
cblr-1739	540	28	and	and	CCONJ
cblr-1739	540	29	posts	post	NOUN
cblr-1739	540	30	.	.	PUNCT
cblr-1739	541	1	on	on	ADP
cblr-1739	541	2	top	top	NOUN
cblr-1739	541	3	of	of	ADP
cblr-1739	541	4	traditional	traditional	ADJ
cblr-1739	541	5	factors	factor	NOUN
cblr-1739	541	6	that	that	SCONJ
cblr-1739	541	7	admission	admission	NOUN
cblr-1739	541	8	officers	officer	NOUN
cblr-1739	541	9	factor	factor	VERB
cblr-1739	541	10	into	into	ADP
cblr-1739	541	11	their	their	PRON
cblr-1739	541	12	decisions	decision	NOUN
cblr-1739	541	13	,	,	PUNCT
cblr-1739	541	14	they	they	PRON
cblr-1739	541	15	have	have	AUX
cblr-1739	541	16	admittedly	admittedly	ADV
cblr-1739	541	17	started	start	VERB
cblr-1739	541	18	to	to	PART
cblr-1739	541	19	look	look	VERB
cblr-1739	541	20	into	into	ADP
cblr-1739	541	21	indications	indication	NOUN
cblr-1739	541	22	about	about	ADP
cblr-1739	541	23	students	student	NOUN
cblr-1739	541	24	’	'	PUNCT
cblr-1739	541	25	extracurricular	extracurricular	ADJ
cblr-1739	541	26	activities	activity	NOUN
cblr-1739	541	27	,	,	PUNCT
cblr-1739	541	28	judgment	judgment	NOUN
cblr-1739	541	29	calls	call	NOUN
cblr-1739	541	30	,	,	PUNCT
cblr-1739	541	31	and	and	CCONJ
cblr-1739	541	32	other	other	ADJ
cblr-1739	541	33	relevant	relevant	ADJ
cblr-1739	541	34	pieces	piece	NOUN
cblr-1739	541	35	of	of	ADP
cblr-1739	541	36	information	information	NOUN
cblr-1739	541	37	extracted	extract	VERB
cblr-1739	541	38	from	from	ADP
cblr-1739	541	39	students	student	NOUN
cblr-1739	541	40	’	'	PUNCT
cblr-1739	541	41	social	social	ADJ
cblr-1739	541	42	media	medium	NOUN
cblr-1739	541	43	and	and	CCONJ
cblr-1739	541	44	digital	digital	ADJ
cblr-1739	541	45	footprints.152	footprints.152	PROPN
cblr-1739	541	46	oftentimes	oftentime	VERB
cblr-1739	541	47	a	a	DET
cblr-1739	541	48	candidate	candidate	NOUN
cblr-1739	541	49	’s	’s	PART
cblr-1739	541	50	poor	poor	ADJ
cblr-1739	541	51	judgment	judgment	NOUN
cblr-1739	541	52	socioeconomically	socioeconomically	ADV
cblr-1739	541	53	homogeneous	homogeneous	ADJ
cblr-1739	541	54	.	.	PUNCT
cblr-1739	542	1	as	as	ADP
cblr-1739	542	2	a	a	DET
cblr-1739	542	3	result	result	NOUN
cblr-1739	542	4	,	,	PUNCT
cblr-1739	542	5	social	social	ADJ
cblr-1739	542	6	credit	credit	NOUN
cblr-1739	542	7	scores	score	NOUN
cblr-1739	542	8	would	would	AUX
cblr-1739	542	9	become	become	VERB
cblr-1739	542	10	better	well	ADJ
cblr-1739	542	11	predictors	predictor	NOUN
cblr-1739	542	12	of	of	ADP
cblr-1739	542	13	true	true	ADJ
cblr-1739	542	14	credit	credit	NOUN
cblr-1739	542	15	risk	risk	NOUN
cblr-1739	542	16	and	and	CCONJ
cblr-1739	542	17	improve	improve	VERB
cblr-1739	542	18	credit	credit	NOUN
cblr-1739	542	19	availability	availability	NOUN
cblr-1739	542	20	.	.	PUNCT
cblr-1739	543	1	see	see	VERB
cblr-1739	543	2	wei	wei	PROPN
cblr-1739	543	3	et	et	PROPN
cblr-1739	543	4	al	al	PROPN
cblr-1739	543	5	.	.	PROPN
cblr-1739	543	6	,	,	PUNCT
cblr-1739	543	7	supra	supra	PROPN
cblr-1739	543	8	note	note	NOUN
cblr-1739	543	9	117	117	NUM
cblr-1739	543	10	.	.	PUNCT
cblr-1739	544	1	152	152	NUM
cblr-1739	544	2	see	see	VERB
cblr-1739	544	3	victor	victor	PROPN
cblr-1739	544	4	luckerson	luckerson	PROPN
cblr-1739	544	5	,	,	PUNCT
cblr-1739	544	6	when	when	SCONJ
cblr-1739	544	7	colleges	college	NOUN
cblr-1739	544	8	look	look	VERB
cblr-1739	544	9	up	up	ADP
cblr-1739	544	10	applicants	applicant	NOUN
cblr-1739	544	11	on	on	ADP
cblr-1739	544	12	facebook	facebook	PROPN
cblr-1739	544	13	:	:	PUNCT
cblr-1739	544	14	the	the	DET
cblr-1739	544	15	unspoken	unspoken	ADJ
cblr-1739	544	16	new	new	ADJ
cblr-1739	544	17	admissions	admission	NOUN
cblr-1739	544	18	test	test	NOUN
cblr-1739	544	19	,	,	PUNCT
cblr-1739	544	20	time	time	NOUN
cblr-1739	544	21	(	(	PUNCT
cblr-1739	544	22	nov	nov	PROPN
cblr-1739	544	23	.	.	PROPN
cblr-1739	544	24	15	15	NUM
cblr-1739	544	25	,	,	PUNCT
cblr-1739	544	26	2012	2012	NUM
cblr-1739	544	27	)	)	PUNCT
cblr-1739	544	28	,	,	PUNCT
cblr-1739	544	29	geslevich	geslevich	NOUN
cblr-1739	544	30	packin	packin	PROPN
cblr-1739	544	31	&	&	CCONJ
cblr-1739	544	32	lev	lev	PROPN
cblr-1739	544	33	-	-	PUNCT
cblr-1739	544	34	aretz	aretz	PROPN
cblr-1739	544	35	–	–	PUNCT
cblr-1739	544	36	final	final	ADJ
cblr-1739	544	37	no	no	NOUN
cblr-1739	544	38	.	.	PUNCT
cblr-1739	545	1	2:339	2:339	NUM
cblr-1739	545	2	]	]	X
cblr-1739	545	3	on	on	ADP
cblr-1739	545	4	social	social	ADJ
cblr-1739	545	5	credit	credit	NOUN
cblr-1739	545	6	377	377	NUM
cblr-1739	545	7	displayed	display	VERB
cblr-1739	545	8	online	online	NOUN
cblr-1739	545	9	can	can	AUX
cblr-1739	545	10	cause	cause	VERB
cblr-1739	545	11	an	an	DET
cblr-1739	545	12	institution	institution	NOUN
cblr-1739	545	13	to	to	PART
cblr-1739	545	14	deny	deny	VERB
cblr-1739	545	15	a	a	DET
cblr-1739	545	16	candidate	candidate	NOUN
cblr-1739	545	17	.	.	PUNCT
cblr-1739	546	1	admissions	admission	NOUN
cblr-1739	546	2	officials	official	NOUN
cblr-1739	546	3	report	report	VERB
cblr-1739	546	4	that	that	SCONJ
cblr-1739	546	5	they	they	PRON
cblr-1739	546	6	have	have	AUX
cblr-1739	546	7	occasionally	occasionally	ADV
cblr-1739	546	8	rejected	reject	VERB
cblr-1739	546	9	applicants	applicant	NOUN
cblr-1739	546	10	or	or	CCONJ
cblr-1739	546	11	revoked	revoke	VERB
cblr-1739	546	12	their	their	PRON
cblr-1739	546	13	acceptances	acceptance	NOUN
cblr-1739	546	14	because	because	SCONJ
cblr-1739	546	15	of	of	ADP
cblr-1739	546	16	online	online	ADJ
cblr-1739	546	17	materials	material	NOUN
cblr-1739	546	18	,	,	PUNCT
cblr-1739	546	19	saying	say	VERB
cblr-1739	546	20	,	,	PUNCT
cblr-1739	546	21	for	for	ADP
cblr-1739	546	22	example	example	NOUN
cblr-1739	546	23	,	,	PUNCT
cblr-1739	546	24	that	that	SCONJ
cblr-1739	546	25	“	"	PUNCT
cblr-1739	546	26	[	[	X
cblr-1739	546	27	i]t	i]t	X
cblr-1739	546	28	’s	’	VERB
cblr-1739	546	29	something	something	PRON
cblr-1739	546	30	that	that	PRON
cblr-1739	546	31	is	be	AUX
cblr-1739	546	32	becoming	become	VERB
cblr-1739	546	33	more	more	ADV
cblr-1739	546	34	ubiquitous	ubiquitous	ADJ
cblr-1739	546	35	and	and	CCONJ
cblr-1739	546	36	less	less	ADV
cblr-1739	546	37	looked	look	VERB
cblr-1739	546	38	down	down	ADP
cblr-1739	546	39	upon	upon	SCONJ
cblr-1739	546	40	.	.	PUNCT
cblr-1739	546	41	”153	”153	NOUN
cblr-1739	546	42	not	not	PART
cblr-1739	546	43	surprisingly	surprisingly	ADV
cblr-1739	546	44	,	,	PUNCT
cblr-1739	546	45	students	student	NOUN
cblr-1739	546	46	are	be	AUX
cblr-1739	546	47	realizing	realize	VERB
cblr-1739	546	48	the	the	DET
cblr-1739	546	49	stakes	stake	NOUN
cblr-1739	546	50	and	and	CCONJ
cblr-1739	546	51	responding	respond	VERB
cblr-1739	546	52	to	to	ADP
cblr-1739	546	53	the	the	DET
cblr-1739	546	54	background	background	NOUN
cblr-1739	546	55	check	check	NOUN
cblr-1739	546	56	by	by	ADP
cblr-1739	546	57	shoring	shore	VERB
cblr-1739	546	58	up	up	ADP
cblr-1739	546	59	their	their	PRON
cblr-1739	546	60	online	online	ADJ
cblr-1739	546	61	social	social	ADJ
cblr-1739	546	62	presence.154	presence.154	NOUN
cblr-1739	546	63	specifically	specifically	ADV
cblr-1739	546	64	,	,	PUNCT
cblr-1739	546	65	a	a	DET
cblr-1739	546	66	recent	recent	ADJ
cblr-1739	546	67	study	study	NOUN
cblr-1739	546	68	found	find	VERB
cblr-1739	546	69	that	that	SCONJ
cblr-1739	546	70	students	student	NOUN
cblr-1739	546	71	believed	believe	VERB
cblr-1739	546	72	cleaning	clean	VERB
cblr-1739	546	73	up	up	ADP
cblr-1739	546	74	their	their	PRON
cblr-1739	546	75	facebook	facebook	NOUN
cblr-1739	546	76	presence	presence	NOUN
cblr-1739	546	77	or	or	CCONJ
cblr-1739	546	78	other	other	ADJ
cblr-1739	546	79	social	social	ADJ
cblr-1739	546	80	media	medium	NOUN
cblr-1739	546	81	profiles	profile	NOUN
cblr-1739	546	82	improved	improve	VERB
cblr-1739	546	83	their	their	PRON
cblr-1739	546	84	admission	admission	NOUN
cblr-1739	546	85	prospects	prospect	NOUN
cblr-1739	546	86	;	;	PUNCT
cblr-1739	546	87	many	many	ADJ
cblr-1739	546	88	took	take	VERB
cblr-1739	546	89	active	active	ADJ
cblr-1739	546	90	measures	measure	NOUN
cblr-1739	546	91	to	to	PART
cblr-1739	546	92	delete	delete	VERB
cblr-1739	546	93	,	,	PUNCT
cblr-1739	546	94	edit	edit	NOUN
cblr-1739	546	95	,	,	PUNCT
cblr-1739	546	96	or	or	CCONJ
cblr-1739	546	97	otherwise	otherwise	ADV
cblr-1739	546	98	alter	alter	VERB
cblr-1739	546	99	their	their	PRON
cblr-1739	546	100	social	social	ADJ
cblr-1739	546	101	media	medium	NOUN
cblr-1739	546	102	profiles	profile	NOUN
cblr-1739	546	103	,	,	PUNCT
cblr-1739	546	104	including	include	VERB
cblr-1739	546	105	modifying	modify	VERB
cblr-1739	546	106	their	their	PRON
cblr-1739	546	107	names.155	names.155	PROPN
cblr-1739	546	108	social	social	ADJ
cblr-1739	546	109	media	medium	NOUN
cblr-1739	546	110	is	be	AUX
cblr-1739	546	111	the	the	DET
cblr-1739	546	112	ultimate	ultimate	ADJ
cblr-1739	546	113	venue	venue	NOUN
cblr-1739	546	114	http://nation.time.com/2012/11/15/when-colleges-look-up-applicants-onfacebook-the-unspoken-new-admissions-test/	http://nation.time.com/2012/11/15/when-colleges-look-up-applicants-onfacebook-the-unspoken-new-admissions-test/	NOUN
cblr-1739	547	1	[	[	X
cblr-1739	547	2	http://perma.cc/pr9n69dz	http://perma.cc/pr9n69dz	NOUN
cblr-1739	547	3	]	]	X
cblr-1739	547	4	.	.	PUNCT
cblr-1739	548	1	153	153	NUM
cblr-1739	548	2	see	see	VERB
cblr-1739	548	3	natasha	natasha	PROPN
cblr-1739	548	4	singer	singer	PROPN
cblr-1739	548	5	,	,	PUNCT
cblr-1739	548	6	they	they	PRON
cblr-1739	548	7	loved	love	VERB
cblr-1739	548	8	your	your	PRON
cblr-1739	548	9	g.p.a	g.p.a	NOUN
cblr-1739	548	10	.	.	PUNCT
cblr-1739	549	1	then	then	ADV
cblr-1739	549	2	they	they	PRON
cblr-1739	549	3	saw	see	VERB
cblr-1739	549	4	your	your	PRON
cblr-1739	549	5	tweets	tweet	NOUN
cblr-1739	549	6	,	,	PUNCT
cblr-1739	549	7	n.y	n.y	PROPN
cblr-1739	549	8	.	.	PROPN
cblr-1739	549	9	times	times	PROPN
cblr-1739	549	10	(	(	PUNCT
cblr-1739	549	11	nov	nov	PROPN
cblr-1739	549	12	.	.	PROPN
cblr-1739	549	13	9	9	NUM
cblr-1739	549	14	,	,	PUNCT
cblr-1739	549	15	2013	2013	NUM
cblr-1739	549	16	)	)	PUNCT
cblr-1739	549	17	,	,	PUNCT
cblr-1739	549	18	http://www.nytimes.com/2013/11/10/	http://www.nytimes.com/2013/11/10/	NOUN
cblr-1739	549	19	business	business	NOUN
cblr-1739	549	20	/	/	SYM
cblr-1739	549	21	they	they	PRON
cblr-1739	549	22	-	-	PUNCT
cblr-1739	549	23	loved	love	VERB
cblr-1739	549	24	-	-	PUNCT
cblr-1739	549	25	your	your	PRON
cblr-1739	549	26	-	-	PUNCT
cblr-1739	549	27	gpa	gpa	NOUN
cblr-1739	549	28	-	-	PUNCT
cblr-1739	549	29	then	then	ADV
cblr-1739	549	30	-	-	PUNCT
cblr-1739	549	31	they	they	PRON
cblr-1739	549	32	-	-	PUNCT
cblr-1739	549	33	saw	see	VERB
cblr-1739	549	34	-	-	PUNCT
cblr-1739	549	35	your	your	PRON
cblr-1739	549	36	-	-	PUNCT
cblr-1739	549	37	tweets.html	tweets.html	NUM
cblr-1739	549	38	[	[	X
cblr-1739	549	39	http://per	http://per	X
cblr-1739	549	40	ma.cc/jvq3-vbkd	ma.cc/jvq3-vbkd	X
cblr-1739	549	41	]	]	PUNCT
cblr-1739	549	42	(	(	PUNCT
cblr-1739	549	43	“	"	PUNCT
cblr-1739	549	44	of	of	ADP
cblr-1739	549	45	381	381	NUM
cblr-1739	549	46	college	college	NOUN
cblr-1739	549	47	admissions	admission	NOUN
cblr-1739	549	48	officers	officer	NOUN
cblr-1739	549	49	who	who	PRON
cblr-1739	549	50	answered	answer	VERB
cblr-1739	549	51	a	a	DET
cblr-1739	549	52	kaplan	kaplan	PROPN
cblr-1739	549	53	telephone	telephone	NOUN
cblr-1739	549	54	questionnaire	questionnaire	NOUN
cblr-1739	549	55	this	this	DET
cblr-1739	549	56	year	year	NOUN
cblr-1739	549	57	,	,	PUNCT
cblr-1739	549	58	31	31	NUM
cblr-1739	549	59	percent	percent	NOUN
cblr-1739	549	60	said	say	VERB
cblr-1739	549	61	they	they	PRON
cblr-1739	549	62	had	have	AUX
cblr-1739	549	63	visited	visit	VERB
cblr-1739	549	64	an	an	DET
cblr-1739	549	65	applicant	applicant	NOUN
cblr-1739	549	66	’s	’s	PART
cblr-1739	549	67	facebook	facebook	NOUN
cblr-1739	549	68	or	or	CCONJ
cblr-1739	549	69	other	other	ADJ
cblr-1739	549	70	personal	personal	ADJ
cblr-1739	549	71	social	social	ADJ
cblr-1739	549	72	media	medium	NOUN
cblr-1739	549	73	page	page	NOUN
cblr-1739	549	74	to	to	PART
cblr-1739	549	75	learn	learn	VERB
cblr-1739	549	76	more	more	ADJ
cblr-1739	549	77	about	about	ADP
cblr-1739	549	78	them	they	PRON
cblr-1739	549	79	—	—	PUNCT
cblr-1739	549	80	a	a	DET
cblr-1739	549	81	five	five	NUM
cblr-1739	549	82	-	-	PUNCT
cblr-1739	549	83	percentage	percentage	NOUN
cblr-1739	549	84	-	-	PUNCT
cblr-1739	549	85	point	point	NOUN
cblr-1739	549	86	increase	increase	NOUN
cblr-1739	549	87	from	from	ADP
cblr-1739	549	88	last	last	ADJ
cblr-1739	549	89	year	year	NOUN
cblr-1739	549	90	.	.	PUNCT
cblr-1739	550	1	more	more	ADV
cblr-1739	550	2	crucially	crucially	ADV
cblr-1739	550	3	for	for	ADP
cblr-1739	550	4	those	those	PRON
cblr-1739	550	5	trying	try	VERB
cblr-1739	550	6	to	to	PART
cblr-1739	550	7	get	get	VERB
cblr-1739	550	8	into	into	ADP
cblr-1739	550	9	college	college	NOUN
cblr-1739	550	10	,	,	PUNCT
cblr-1739	550	11	30	30	NUM
cblr-1739	550	12	percent	percent	NOUN
cblr-1739	550	13	of	of	ADP
cblr-1739	550	14	the	the	DET
cblr-1739	550	15	admissions	admission	NOUN
cblr-1739	550	16	officers	officer	NOUN
cblr-1739	550	17	said	say	VERB
cblr-1739	550	18	they	they	PRON
cblr-1739	550	19	had	have	AUX
cblr-1739	550	20	discovered	discover	VERB
cblr-1739	550	21	information	information	NOUN
cblr-1739	550	22	online	online	ADV
cblr-1739	550	23	that	that	PRON
cblr-1739	550	24	had	have	AUX
cblr-1739	550	25	negatively	negatively	ADV
cblr-1739	550	26	affected	affect	VERB
cblr-1739	550	27	an	an	DET
cblr-1739	550	28	applicant	applicant	NOUN
cblr-1739	550	29	’s	’s	PART
cblr-1739	550	30	prospects	prospect	NOUN
cblr-1739	550	31	.	.	PUNCT
cblr-1739	550	32	”	"	PUNCT
cblr-1739	550	33	)	)	PUNCT
cblr-1739	550	34	.	.	PUNCT
cblr-1739	551	1	154	154	NUM
cblr-1739	551	2	see	see	VERB
cblr-1739	551	3	,	,	PUNCT
cblr-1739	551	4	e.g.	e.g.	ADV
cblr-1739	551	5	,	,	PUNCT
cblr-1739	551	6	i	i	PROPN
cblr-1739	551	7	d.	d.	PROPN
cblr-1739	551	8	(	(	PUNCT
cblr-1739	551	9	“	"	PUNCT
cblr-1739	551	10	if	if	SCONJ
cblr-1739	551	11	you	you	PRON
cblr-1739	551	12	’ve	’ve	AUX
cblr-1739	551	13	got	get	VERB
cblr-1739	551	14	stuff	stuff	NOUN
cblr-1739	551	15	online	online	ADV
cblr-1739	551	16	you	you	PRON
cblr-1739	551	17	do	do	AUX
cblr-1739	551	18	n’t	not	PART
cblr-1739	551	19	want	want	VERB
cblr-1739	551	20	colleges	college	NOUN
cblr-1739	551	21	to	to	PART
cblr-1739	551	22	see	see	VERB
cblr-1739	551	23	.	.	PUNCT
cblr-1739	551	24	.	.	PUNCT
cblr-1739	552	1	.	.	PUNCT
cblr-1739	553	1	deleting	delete	VERB
cblr-1739	553	2	it	it	PRON
cblr-1739	553	3	is	be	AUX
cblr-1739	553	4	kind	kind	ADV
cblr-1739	553	5	of	of	ADV
cblr-1739	553	6	like	like	ADP
cblr-1739	553	7	joining	join	VERB
cblr-1739	553	8	two	two	NUM
cblr-1739	553	9	more	more	ADJ
cblr-1739	553	10	clubs	club	NOUN
cblr-1739	553	11	senior	senior	ADJ
cblr-1739	553	12	year	year	NOUN
cblr-1739	553	13	to	to	PART
cblr-1739	553	14	list	list	VERB
cblr-1739	553	15	on	on	ADP
cblr-1739	553	16	your	your	PRON
cblr-1739	553	17	application	application	NOUN
cblr-1739	553	18	to	to	PART
cblr-1739	553	19	try	try	VERB
cblr-1739	553	20	to	to	PART
cblr-1739	553	21	make	make	VERB
cblr-1739	553	22	you	you	PRON
cblr-1739	553	23	seem	seem	VERB
cblr-1739	553	24	more	more	ADV
cblr-1739	553	25	like	like	ADP
cblr-1739	553	26	the	the	DET
cblr-1739	553	27	person	person	NOUN
cblr-1739	553	28	they	they	PRON
cblr-1739	553	29	want	want	VERB
cblr-1739	553	30	at	at	ADP
cblr-1739	553	31	their	their	PRON
cblr-1739	553	32	schools	school	NOUN
cblr-1739	553	33	.	.	PUNCT
cblr-1739	553	34	”	"	PUNCT
cblr-1739	553	35	)	)	PUNCT
cblr-1739	553	36	;	;	PUNCT
cblr-1739	553	37	see	see	VERB
cblr-1739	553	38	also	also	ADV
cblr-1739	553	39	#	#	ADV
cblr-1739	553	40	accepted	accept	VERB
cblr-1739	553	41	:	:	PUNCT
cblr-1739	553	42	the	the	DET
cblr-1739	553	43	changing	change	VERB
cblr-1739	553	44	role	role	NOUN
cblr-1739	553	45	of	of	ADP
cblr-1739	553	46	social	social	ADJ
cblr-1739	553	47	media	medium	NOUN
cblr-1739	553	48	in	in	ADP
cblr-1739	553	49	college	college	NOUN
cblr-1739	553	50	admissions	admission	NOUN
cblr-1739	553	51	,	,	PUNCT
cblr-1739	553	52	educ	educ	PROPN
cblr-1739	553	53	.	.	PUNCT
cblr-1739	554	1	advisory	advisory	PROPN
cblr-1739	554	2	bd	bd	PROPN
cblr-1739	554	3	.	.	PROPN
cblr-1739	554	4	(	(	PUNCT
cblr-1739	554	5	nov	nov	PROPN
cblr-1739	554	6	.	.	PROPN
cblr-1739	554	7	24	24	NUM
cblr-1739	554	8	,	,	PUNCT
cblr-1739	554	9	2014	2014	NUM
cblr-1739	554	10	)	)	PUNCT
cblr-1739	554	11	,	,	PUNCT
cblr-1739	554	12	https://www.eab.com/daily-briefing/2014/11/24/accepted-the-changing-roleof-social-media-in-college-admissions	https://www.eab.com/daily-briefing/2014/11/24/accepted-the-changing-roleof-social-media-in-college-admission	NOUN
cblr-1739	555	1	[	[	X
cblr-1739	555	2	http://perma.cc/3nqj-vjpk	http://perma.cc/3nqj-vjpk	X
cblr-1739	555	3	]	]	X
cblr-1739	555	4	(	(	PUNCT
cblr-1739	555	5	“	"	PUNCT
cblr-1739	555	6	more	more	ADJ
cblr-1739	555	7	college	college	NOUN
cblr-1739	555	8	admissions	admission	NOUN
cblr-1739	555	9	staff	staff	NOUN
cblr-1739	555	10	are	be	AUX
cblr-1739	555	11	looking	look	VERB
cblr-1739	555	12	at	at	ADP
cblr-1739	555	13	applicants	applicant	NOUN
cblr-1739	555	14	’	'	PUNCT
cblr-1739	555	15	social	social	ADJ
cblr-1739	555	16	media	medium	NOUN
cblr-1739	555	17	profiles	profile	NOUN
cblr-1739	555	18	,	,	PUNCT
cblr-1739	555	19	but	but	CCONJ
cblr-1739	555	20	students	student	NOUN
cblr-1739	555	21	are	be	AUX
cblr-1739	555	22	getting	get	VERB
cblr-1739	555	23	savvier	savvy	ADJ
cblr-1739	555	24	about	about	ADP
cblr-1739	555	25	sanitizing	sanitize	VERB
cblr-1739	555	26	their	their	PRON
cblr-1739	555	27	online	online	ADJ
cblr-1739	555	28	images	image	NOUN
cblr-1739	555	29	.	.	PUNCT
cblr-1739	555	30	”	"	PUNCT
cblr-1739	555	31	)	)	PUNCT
cblr-1739	555	32	.	.	PUNCT
cblr-1739	556	1	155	155	NUM
cblr-1739	556	2	see	see	VERB
cblr-1739	556	3	katherine	katherine	PROPN
cblr-1739	556	4	kiang	kiang	PROPN
cblr-1739	556	5	&	&	CCONJ
cblr-1739	556	6	marissa	marissa	PROPN
cblr-1739	556	7	page	page	PROPN
cblr-1739	556	8	,	,	PUNCT
cblr-1739	556	9	are	be	AUX
cblr-1739	556	10	colleges	college	NOUN
cblr-1739	556	11	really	really	ADV
cblr-1739	556	12	creeping	creep	VERB
cblr-1739	556	13	on	on	ADP
cblr-1739	556	14	your	your	PRON
cblr-1739	556	15	facebook	facebook	NOUN
cblr-1739	556	16	?	?	PUNCT
cblr-1739	556	17	,	,	PUNCT
cblr-1739	556	18	huffington	huffington	PROPN
cblr-1739	556	19	post	post	PROPN
cblr-1739	556	20	(	(	PUNCT
cblr-1739	556	21	nov	nov	PROPN
cblr-1739	556	22	.	.	PROPN
cblr-1739	556	23	6	6	NUM
cblr-1739	556	24	,	,	PUNCT
cblr-1739	556	25	2013	2013	NUM
cblr-1739	556	26	)	)	PUNCT
cblr-1739	556	27	,	,	PUNCT
cblr-1739	556	28	http://	http://	PROPN
cblr-1739	556	29	www.huffingtonpost.com/2013/11/06/colleges-facebook_n_4228586.html	www.huffingtonpost.com/2013/11/06/colleges-facebook_n_4228586.html	PROPN
cblr-1739	557	1	[	[	X
cblr-1739	557	2	http://perma.cc/qq6d-t89	http://perma.cc/qq6d-t89	X
cblr-1739	557	3	]	]	X
cblr-1739	557	4	(	(	PUNCT
cblr-1739	557	5	explaining	explain	VERB
cblr-1739	557	6	that	that	SCONJ
cblr-1739	557	7	,	,	PUNCT
cblr-1739	557	8	when	when	SCONJ
cblr-1739	557	9	asked	ask	VERB
cblr-1739	557	10	what	what	DET
cblr-1739	557	11	actions	action	NOUN
cblr-1739	557	12	they	they	PRON
cblr-1739	557	13	have	have	AUX
cblr-1739	557	14	taken	take	VERB
cblr-1739	557	15	or	or	CCONJ
cblr-1739	557	16	plan	plan	VERB
cblr-1739	557	17	to	to	PART
cblr-1739	557	18	take	take	VERB
cblr-1739	557	19	to	to	PART
cblr-1739	557	20	safeguard	safeguard	VERB
cblr-1739	557	21	their	their	PRON
cblr-1739	557	22	online	online	ADJ
cblr-1739	557	23	presence	presence	NOUN
cblr-1739	557	24	,	,	PUNCT
cblr-1739	557	25	students	student	NOUN
cblr-1739	557	26	responded	respond	VERB
cblr-1739	557	27	that	that	SCONJ
cblr-1739	557	28	21.6	21.6	NUM
cblr-1739	557	29	%	%	NOUN
cblr-1739	557	30	change	change	VERB
cblr-1739	557	31	their	their	PRON
cblr-1739	557	32	searchable	searchable	ADJ
cblr-1739	557	33	name	name	NOUN
cblr-1739	557	34	,	,	PUNCT
cblr-1739	557	35	21.9	21.9	NUM
cblr-1739	557	36	%	%	NOUN
cblr-1739	557	37	geslevich	geslevich	NOUN
cblr-1739	557	38	packin	packin	PROPN
cblr-1739	557	39	&	&	CCONJ
cblr-1739	557	40	lev	lev	PROPN
cblr-1739	557	41	-	-	PUNCT
cblr-1739	557	42	aretz	aretz	PROPN
cblr-1739	557	43	–	–	PUNCT
cblr-1739	558	1	final	final	ADJ
cblr-1739	558	2	378	378	NUM
cblr-1739	558	3	columbia	columbia	PROPN
cblr-1739	558	4	business	business	NOUN
cblr-1739	558	5	law	law	PROPN
cblr-1739	558	6	review	review	NOUN
cblr-1739	558	7	[	[	X
cblr-1739	558	8	vol	vol	NOUN
cblr-1739	558	9	.	.	NOUN
cblr-1739	558	10	2016	2016	NUM
cblr-1739	558	11	for	for	ADP
cblr-1739	558	12	millennial	millennial	ADJ
cblr-1739	558	13	branding	branding	NOUN
cblr-1739	558	14	,	,	PUNCT
cblr-1739	558	15	and	and	CCONJ
cblr-1739	558	16	many	many	ADJ
cblr-1739	558	17	individuals	individual	NOUN
cblr-1739	558	18	understand	understand	VERB
cblr-1739	558	19	they	they	PRON
cblr-1739	558	20	should	should	AUX
cblr-1739	558	21	use	use	VERB
cblr-1739	558	22	it	it	PRON
cblr-1739	558	23	to	to	ADP
cblr-1739	558	24	their	their	PRON
cblr-1739	558	25	advantage	advantage	NOUN
cblr-1739	558	26	.	.	PUNCT
cblr-1739	559	1	effective	effective	ADJ
cblr-1739	559	2	branding	branding	NOUN
cblr-1739	559	3	in	in	ADP
cblr-1739	559	4	this	this	DET
cblr-1739	559	5	context	context	NOUN
cblr-1739	559	6	also	also	ADV
cblr-1739	559	7	means	mean	VERB
cblr-1739	559	8	carefully	carefully	ADV
cblr-1739	559	9	picking	pick	VERB
cblr-1739	559	10	contacts	contact	NOUN
cblr-1739	559	11	,	,	PUNCT
cblr-1739	559	12	because	because	SCONJ
cblr-1739	559	13	“	"	PUNCT
cblr-1739	559	14	bad	bad	ADJ
cblr-1739	559	15	”	"	PUNCT
cblr-1739	559	16	friends	friend	NOUN
cblr-1739	559	17	can	can	AUX
cblr-1739	559	18	take	take	VERB
cblr-1739	559	19	a	a	DET
cblr-1739	559	20	toll	toll	NOUN
cblr-1739	559	21	on	on	ADP
cblr-1739	559	22	one	one	NUM
cblr-1739	559	23	’s	’s	PART
cblr-1739	559	24	online	online	ADJ
cblr-1739	559	25	reputation.156	reputation.156	NOUN
cblr-1739	559	26	in	in	ADP
cblr-1739	559	27	the	the	DET
cblr-1739	559	28	job	job	NOUN
cblr-1739	559	29	market	market	NOUN
cblr-1739	559	30	,	,	PUNCT
cblr-1739	559	31	reviewing	review	VERB
cblr-1739	559	32	potential	potential	ADJ
cblr-1739	559	33	candidates	candidate	NOUN
cblr-1739	559	34	’	'	PUNCT
cblr-1739	559	35	online	online	ADJ
cblr-1739	559	36	social	social	ADJ
cblr-1739	559	37	accounts	account	NOUN
cblr-1739	559	38	is	be	AUX
cblr-1739	559	39	already	already	ADV
cblr-1739	559	40	standard	standard	ADJ
cblr-1739	559	41	for	for	ADP
cblr-1739	559	42	many	many	ADJ
cblr-1739	559	43	human	human	ADJ
cblr-1739	559	44	resources	resource	NOUN
cblr-1739	559	45	and	and	CCONJ
cblr-1739	559	46	recruiting	recruiting	NOUN
cblr-1739	559	47	offices	office	NOUN
cblr-1739	559	48	.	.	PUNCT
cblr-1739	560	1	most	most	ADJ
cblr-1739	560	2	interviewers	interviewer	NOUN
cblr-1739	560	3	check	check	VERB
cblr-1739	560	4	out	out	ADP
cblr-1739	560	5	applicants	applicant	NOUN
cblr-1739	560	6	on	on	ADP
cblr-1739	560	7	social	social	ADJ
cblr-1739	560	8	networks	network	NOUN
cblr-1739	560	9	and	and	CCONJ
cblr-1739	560	10	scan	scan	VERB
cblr-1739	560	11	their	their	PRON
cblr-1739	560	12	profiles	profile	NOUN
cblr-1739	560	13	for	for	ADP
cblr-1739	560	14	any	any	DET
cblr-1739	560	15	issues	issue	NOUN
cblr-1739	560	16	that	that	PRON
cblr-1739	560	17	may	may	AUX
cblr-1739	560	18	raise	raise	VERB
cblr-1739	560	19	a	a	DET
cblr-1739	560	20	red	red	ADJ
cblr-1739	560	21	flag.157	flag.157	NOUN
cblr-1739	560	22	according	accord	VERB
cblr-1739	560	23	to	to	ADP
cblr-1739	560	24	research	research	NOUN
cblr-1739	560	25	done	do	VERB
cblr-1739	560	26	by	by	ADP
cblr-1739	560	27	the	the	DET
cblr-1739	560	28	society	society	NOUN
cblr-1739	560	29	for	for	ADP
cblr-1739	560	30	human	human	ADJ
cblr-1739	560	31	resource	resource	NOUN
cblr-1739	560	32	management	management	NOUN
cblr-1739	560	33	,	,	PUNCT
cblr-1739	560	34	approximately	approximately	ADV
cblr-1739	560	35	three	three	NUM
cblr-1739	560	36	quarters	quarter	NOUN
cblr-1739	560	37	of	of	ADP
cblr-1739	560	38	companies	company	NOUN
cblr-1739	560	39	surveyed	survey	VERB
cblr-1739	560	40	confessed	confess	VERB
cblr-1739	560	41	to	to	ADP
cblr-1739	560	42	using	use	VERB
cblr-1739	560	43	social	social	ADJ
cblr-1739	560	44	networking	network	VERB
cblr-1739	560	45	sites	site	NOUN
cblr-1739	560	46	to	to	PART
cblr-1739	560	47	recruit	recruit	VERB
cblr-1739	560	48	job	job	NOUN
cblr-1739	560	49	candidates	candidate	NOUN
cblr-1739	560	50	,	,	PUNCT
cblr-1739	560	51	and	and	CCONJ
cblr-1739	560	52	a	a	DET
cblr-1739	560	53	fifth	fifth	NOUN
cblr-1739	560	54	of	of	ADP
cblr-1739	560	55	the	the	DET
cblr-1739	560	56	companies	company	NOUN
cblr-1739	560	57	surveyed	survey	VERB
cblr-1739	560	58	also	also	ADV
cblr-1739	560	59	admitted	admit	VERB
cblr-1739	560	60	to	to	ADP
cblr-1739	560	61	using	use	VERB
cblr-1739	560	62	social	social	ADJ
cblr-1739	560	63	media	medium	NOUN
cblr-1739	560	64	to	to	PART
cblr-1739	560	65	screen	screen	NOUN
cblr-1739	560	66	or	or	CCONJ
cblr-1739	560	67	background	background	NOUN
cblr-1739	560	68	check	check	NOUN
cblr-1739	560	69	job	job	NOUN
cblr-1739	560	70	applicants.158	applicants.158	NOUN
cblr-1739	560	71	similarly	similarly	ADV
cblr-1739	560	72	,	,	PUNCT
cblr-1739	560	73	major	major	ADJ
cblr-1739	560	74	human	human	ADJ
cblr-1739	560	75	resources	resource	NOUN
cblr-1739	560	76	and	and	CCONJ
cblr-1739	560	77	recruiting	recruiting	NOUN
cblr-1739	560	78	companies	company	NOUN
cblr-1739	560	79	openly	openly	ADV
cblr-1739	560	80	state	state	VERB
cblr-1739	560	81	on	on	ADP
cblr-1739	560	82	their	their	PRON
cblr-1739	560	83	websites	website	NOUN
cblr-1739	560	84	that	that	SCONJ
cblr-1739	560	85	they	they	PRON
cblr-1739	560	86	frequently	frequently	ADV
cblr-1739	560	87	examine	examine	VERB
cblr-1739	560	88	use	use	NOUN
cblr-1739	560	89	of	of	ADP
cblr-1739	560	90	mainstream	mainstream	ADJ
cblr-1739	560	91	social	social	ADJ
cblr-1739	560	92	media	medium	NOUN
cblr-1739	560	93	platforms	platform	NOUN
cblr-1739	560	94	for	for	ADP
cblr-1739	560	95	hiring	hire	VERB
cblr-1739	560	96	purposes.159	purposes.159	ADP
cblr-1739	560	97	the	the	DET
cblr-1739	560	98	u.s	u.s	PROPN
cblr-1739	560	99	.	.	PROPN
cblr-1739	560	100	equal	equal	ADJ
cblr-1739	560	101	employment	employment	NOUN
cblr-1739	560	102	opportunity	opportunity	NOUN
cblr-1739	560	103	commission	commission	NOUN
cblr-1739	560	104	(	(	PUNCT
cblr-1739	560	105	“	"	PUNCT
cblr-1739	560	106	eeoc	eeoc	PROPN
cblr-1739	560	107	”	"	PUNCT
cblr-1739	560	108	)	)	PUNCT
cblr-1739	560	109	started	start	VERB
cblr-1739	560	110	examining	examine	VERB
cblr-1739	560	111	this	this	DET
cblr-1739	560	112	issue	issue	NOUN
cblr-1739	560	113	in	in	ADP
cblr-1739	560	114	march	march	PROPN
cblr-1739	560	115	2014,160	2014,160	NUM
cblr-1739	560	116	and	and	CCONJ
cblr-1739	560	117	courts	court	NOUN
cblr-1739	560	118	have	have	AUX
cblr-1739	560	119	also	also	ADV
cblr-1739	560	120	started	start	VERB
cblr-1739	560	121	to	to	PART
cblr-1739	560	122	hear	hear	VERB
cblr-1739	560	123	cases	case	NOUN
cblr-1739	560	124	dealing	deal	VERB
cblr-1739	560	125	with	with	ADP
cblr-1739	560	126	improper	improper	ADJ
cblr-1739	560	127	use	use	NOUN
cblr-1739	560	128	of	of	ADP
cblr-1739	560	129	social	social	ADJ
cblr-1739	560	130	change	change	NOUN
cblr-1739	560	131	their	their	PRON
cblr-1739	560	132	public	public	ADJ
cblr-1739	560	133	profile	profile	NOUN
cblr-1739	560	134	picture	picture	NOUN
cblr-1739	560	135	,	,	PUNCT
cblr-1739	560	136	26.4	26.4	NUM
cblr-1739	560	137	%	%	NOUN
cblr-1739	560	138	untag	untag	VERB
cblr-1739	560	139	themselves	themselves	PRON
cblr-1739	560	140	in	in	ADP
cblr-1739	560	141	photos	photo	NOUN
cblr-1739	560	142	,	,	PUNCT
cblr-1739	560	143	and	and	CCONJ
cblr-1739	560	144	12.1	12.1	NUM
cblr-1739	560	145	%	%	NOUN
cblr-1739	560	146	delete	delete	VERB
cblr-1739	560	147	their	their	PRON
cblr-1739	560	148	facebook	facebook	NOUN
cblr-1739	560	149	or	or	CCONJ
cblr-1739	560	150	other	other	ADJ
cblr-1739	560	151	social	social	ADJ
cblr-1739	560	152	media	medium	NOUN
cblr-1739	560	153	accounts	account	NOUN
cblr-1739	560	154	)	)	PUNCT
cblr-1739	560	155	.	.	PUNCT
cblr-1739	561	1	156	156	NUM
cblr-1739	561	2	see	see	VERB
cblr-1739	561	3	emily	emily	PROPN
cblr-1739	561	4	driscoll	driscoll	PROPN
cblr-1739	561	5	,	,	PUNCT
cblr-1739	561	6	attention	attention	NOUN
cblr-1739	561	7	college	college	NOUN
cblr-1739	561	8	applicants	applicant	NOUN
cblr-1739	561	9	:	:	PUNCT
cblr-1739	561	10	admissions	admission	NOUN
cblr-1739	561	11	can	can	AUX
cblr-1739	561	12	see	see	VERB
cblr-1739	561	13	your	your	PRON
cblr-1739	561	14	facebook	facebook	NOUN
cblr-1739	561	15	page	page	NOUN
cblr-1739	561	16	,	,	PUNCT
cblr-1739	561	17	fox	fox	NOUN
cblr-1739	561	18	bus	bus	NOUN
cblr-1739	561	19	.	.	PUNCT
cblr-1739	562	1	(	(	PUNCT
cblr-1739	562	2	mar	mar	PROPN
cblr-1739	562	3	.	.	PROPN
cblr-1739	562	4	23	23	NUM
cblr-1739	562	5	,	,	PUNCT
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cblr-1739	562	7	)	)	PUNCT
cblr-1739	562	8	,	,	PUNCT
cblr-1739	562	9	http://www.fox	http://www.fox	PROPN
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cblr-1739	563	3	m	m	PRON
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cblr-1739	563	5	.	.	PUNCT
cblr-1739	564	1	157	157	NUM
cblr-1739	564	2	see	see	VERB
cblr-1739	564	3	molly	molly	PROPN
cblr-1739	564	4	triffin	triffin	PROPN
cblr-1739	564	5	,	,	PUNCT
cblr-1739	564	6	8	8	NUM
cblr-1739	564	7	reasons	reason	NOUN
cblr-1739	564	8	you	you	PRON
cblr-1739	564	9	were	be	AUX
cblr-1739	564	10	n’t	not	PART
cblr-1739	564	11	hired	hire	VERB
cblr-1739	564	12	,	,	PUNCT
cblr-1739	564	13	market	market	NOUN
cblr-1739	564	14	watch	watch	NOUN
cblr-1739	564	15	(	(	PUNCT
cblr-1739	564	16	feb	feb	PROPN
cblr-1739	564	17	.	.	PROPN
cblr-1739	564	18	12	12	NUM
cblr-1739	564	19	,	,	PUNCT
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cblr-1739	564	22	,	,	PUNCT
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cblr-1739	564	24	[	[	X
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cblr-1739	565	5	&	&	CCONJ
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cblr-1739	565	8	,	,	PUNCT
cblr-1739	565	9	the	the	DET
cblr-1739	565	10	eeoc	eeoc	PROPN
cblr-1739	565	11	hears	hear	VERB
cblr-1739	565	12	concerns	concern	NOUN
cblr-1739	565	13	about	about	ADP
cblr-1739	565	14	social	social	ADJ
cblr-1739	565	15	media	medium	NOUN
cblr-1739	565	16	and	and	CCONJ
cblr-1739	565	17	hiring	hiring	NOUN
cblr-1739	565	18	,	,	PUNCT
cblr-1739	566	1	n.y	n.y	PROPN
cblr-1739	566	2	.	.	PROPN
cblr-1739	566	3	l.j	l.j	PROPN
cblr-1739	566	4	.	.	PUNCT
cblr-1739	567	1	(	(	PUNCT
cblr-1739	567	2	mar	mar	PROPN
cblr-1739	567	3	.	.	PROPN
cblr-1739	567	4	9	9	NUM
cblr-1739	567	5	,	,	PUNCT
cblr-1739	567	6	2015	2015	NUM
cblr-1739	567	7	)	)	PUNCT
cblr-1739	567	8	,	,	PUNCT
cblr-1739	567	9	https://www.cohengresser.com/assets/	https://www.cohengresser.com/assets/	PROPN
cblr-1739	567	10	publications	publication	NOUN
cblr-1739	567	11	/	/	SYM
cblr-1739	567	12	aaa.pdf	aaa.pdf	ADJ
cblr-1739	567	13	[	[	X
cblr-1739	567	14	http://perma.cc/n4pb-4smw	http://perma.cc/n4pb-4smw	X
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cblr-1739	567	16	(	(	PUNCT
cblr-1739	567	17	“	"	PUNCT
cblr-1739	567	18	because	because	SCONJ
cblr-1739	567	19	a	a	DET
cblr-1739	567	20	qualified	qualified	ADJ
cblr-1739	567	21	job	job	NOUN
cblr-1739	567	22	candidate	candidate	NOUN
cblr-1739	567	23	may	may	AUX
cblr-1739	567	24	not	not	PART
cblr-1739	567	25	have	have	AUX
cblr-1739	567	26	considered	consider	VERB
cblr-1739	567	27	his	his	PRON
cblr-1739	567	28	future	future	ADJ
cblr-1739	567	29	job	job	NOUN
cblr-1739	567	30	prospects	prospect	NOUN
cblr-1739	567	31	when	when	SCONJ
cblr-1739	567	32	he	he	PRON
cblr-1739	567	33	posted	post	VERB
cblr-1739	567	34	lewd	lewd	ADJ
cblr-1739	567	35	mardi	mardi	NOUN
cblr-1739	567	36	gras	gras	NOUN
cblr-1739	567	37	photos	photo	NOUN
cblr-1739	567	38	.	.	PUNCT
cblr-1739	568	1	.	.	PUNCT
cblr-1739	569	1	.	.	PUNCT
cblr-1739	570	1	or	or	CCONJ
cblr-1739	570	2	took	take	VERB
cblr-1739	570	3	to	to	PART
cblr-1739	570	4	twitter	twitter	VERB
cblr-1739	570	5	to	to	ADP
cblr-1739	570	6	rail	rail	NOUN
cblr-1739	570	7	against	against	ADP
cblr-1739	570	8	president	president	PROPN
cblr-1739	570	9	obama	obama	PROPN
cblr-1739	570	10	in	in	ADP
cblr-1739	570	11	2012	2012	NUM
cblr-1739	570	12	,	,	PUNCT
cblr-1739	570	13	a	a	DET
cblr-1739	570	14	quick	quick	ADJ
cblr-1739	570	15	check	check	NOUN
cblr-1739	570	16	of	of	ADP
cblr-1739	570	17	social	social	ADJ
cblr-1739	570	18	media	medium	NOUN
cblr-1739	570	19	by	by	ADP
cblr-1739	570	20	a	a	DET
cblr-1739	570	21	recruitment	recruitment	NOUN
cblr-1739	570	22	manager	manager	NOUN
cblr-1739	570	23	could	could	AUX
cblr-1739	570	24	sink	sink	VERB
cblr-1739	570	25	an	an	DET
cblr-1739	570	26	otherwise	otherwise	ADV
cblr-1739	570	27	certain	certain	ADJ
cblr-1739	570	28	offer	offer	NOUN
cblr-1739	570	29	of	of	ADP
cblr-1739	570	30	employment	employment	NOUN
cblr-1739	570	31	.	.	PUNCT
cblr-1739	570	32	”	"	PUNCT
cblr-1739	570	33	)	)	PUNCT
cblr-1739	570	34	.	.	PUNCT
cblr-1739	571	1	158	158	NUM
cblr-1739	572	1	i	i	PRON
cblr-1739	572	2	d.	d.	PROPN
cblr-1739	572	3	159	159	NUM
cblr-1739	572	4	see	see	VERB
cblr-1739	572	5	,	,	PUNCT
cblr-1739	572	6	e.g.	e.g.	ADV
cblr-1739	572	7	,	,	PUNCT
cblr-1739	572	8	i	i	PROPN
cblr-1739	572	9	d.	d.	PROPN
cblr-1739	572	10	;	;	PUNCT
cblr-1739	572	11	entelo	entelo	PROPN
cblr-1739	572	12	,	,	PUNCT
cblr-1739	572	13	https://www.entelo.com	https://www.entelo.com	X
cblr-1739	573	1	[	[	X
cblr-1739	573	2	http://perma.cc/bu	http://perma.cc/bu	NOUN
cblr-1739	573	3	95	95	NUM
cblr-1739	573	4	-	-	PUNCT
cblr-1739	573	5	x9tc	x9tc	NUM
cblr-1739	573	6	]	]	X
cblr-1739	573	7	.	.	PUNCT
cblr-1739	574	1	160	160	NUM
cblr-1739	574	2	triffin	triffin	PROPN
cblr-1739	574	3	,	,	PUNCT
cblr-1739	574	4	supra	supra	PROPN
cblr-1739	574	5	note	note	PROPN
cblr-1739	574	6	157	157	NUM
cblr-1739	574	7	.	.	PUNCT
cblr-1739	575	1	geslevich	geslevich	PROPN
cblr-1739	575	2	packin	packin	PROPN
cblr-1739	575	3	&	&	CCONJ
cblr-1739	575	4	lev	lev	PROPN
cblr-1739	575	5	-	-	PUNCT
cblr-1739	575	6	aretz	aretz	PROPN
cblr-1739	575	7	–	–	PUNCT
cblr-1739	575	8	final	final	ADJ
cblr-1739	575	9	no	no	NOUN
cblr-1739	575	10	.	.	PUNCT
cblr-1739	576	1	2:339	2:339	NUM
cblr-1739	576	2	]	]	X
cblr-1739	576	3	on	on	ADP
cblr-1739	576	4	social	social	ADJ
cblr-1739	576	5	credit	credit	NOUN
cblr-1739	576	6	379	379	NUM
cblr-1739	576	7	media	medium	NOUN
cblr-1739	576	8	during	during	ADP
cblr-1739	576	9	the	the	DET
cblr-1739	576	10	hiring	hiring	NOUN
cblr-1739	576	11	process	process	NOUN
cblr-1739	576	12	,	,	PUNCT
cblr-1739	576	13	focusing	focus	VERB
cblr-1739	576	14	on	on	ADP
cblr-1739	576	15	employers	employer	NOUN
cblr-1739	576	16	’	’	PART
cblr-1739	576	17	discriminatory	discriminatory	ADJ
cblr-1739	576	18	use	use	NOUN
cblr-1739	576	19	of	of	ADP
cblr-1739	576	20	social	social	ADJ
cblr-1739	576	21	media	medium	NOUN
cblr-1739	576	22	in	in	ADP
cblr-1739	576	23	deciding	decide	VERB
cblr-1739	576	24	between	between	ADP
cblr-1739	576	25	candidates.161	candidates.161	NUM
cblr-1739	576	26	as	as	ADP
cblr-1739	576	27	a	a	DET
cblr-1739	576	28	result	result	NOUN
cblr-1739	576	29	,	,	PUNCT
cblr-1739	576	30	job	job	NOUN
cblr-1739	576	31	applicants	applicant	NOUN
cblr-1739	576	32	should	should	AUX
cblr-1739	576	33	maintain	maintain	VERB
cblr-1739	576	34	and	and	CCONJ
cblr-1739	576	35	use	use	VERB
cblr-1739	576	36	their	their	PRON
cblr-1739	576	37	social	social	ADJ
cblr-1739	576	38	profiles	profile	NOUN
cblr-1739	576	39	in	in	ADP
cblr-1739	576	40	a	a	DET
cblr-1739	576	41	conservative	conservative	ADJ
cblr-1739	576	42	fashion	fashion	NOUN
cblr-1739	576	43	.	.	PUNCT
cblr-1739	577	1	many	many	ADJ
cblr-1739	577	2	job	job	NOUN
cblr-1739	577	3	seekers	seeker	NOUN
cblr-1739	577	4	affirm	affirm	NOUN
cblr-1739	577	5	that	that	SCONJ
cblr-1739	577	6	they	they	PRON
cblr-1739	577	7	are	be	AUX
cblr-1739	577	8	scrubbing	scrub	VERB
cblr-1739	577	9	their	their	PRON
cblr-1739	577	10	online	online	ADJ
cblr-1739	577	11	resumes	resume	NOUN
cblr-1739	577	12	by	by	ADP
cblr-1739	577	13	making	make	VERB
cblr-1739	577	14	changes	change	NOUN
cblr-1739	577	15	to	to	ADP
cblr-1739	577	16	their	their	PRON
cblr-1739	577	17	social	social	ADJ
cblr-1739	577	18	networking	networking	NOUN
cblr-1739	577	19	accounts	account	NOUN
cblr-1739	577	20	or	or	CCONJ
cblr-1739	577	21	increasing	increase	VERB
cblr-1739	577	22	privacy	privacy	NOUN
cblr-1739	577	23	settings	setting	NOUN
cblr-1739	577	24	to	to	PART
cblr-1739	577	25	prevent	prevent	VERB
cblr-1739	577	26	potential	potential	ADJ
cblr-1739	577	27	employers	employer	NOUN
cblr-1739	577	28	from	from	ADP
cblr-1739	577	29	accessing	access	VERB
cblr-1739	577	30	their	their	PRON
cblr-1739	577	31	personal	personal	ADJ
cblr-1739	577	32	information.162	information.162	NOUN
cblr-1739	577	33	online	online	ADJ
cblr-1739	577	34	social	social	ADJ
cblr-1739	577	35	information	information	NOUN
cblr-1739	577	36	is	be	AUX
cblr-1739	577	37	similarly	similarly	ADV
cblr-1739	577	38	used	use	VERB
cblr-1739	577	39	in	in	ADP
cblr-1739	577	40	the	the	DET
cblr-1739	577	41	insurance	insurance	NOUN
cblr-1739	577	42	market	market	NOUN
cblr-1739	577	43	when	when	SCONJ
cblr-1739	577	44	investigating	investigate	VERB
cblr-1739	577	45	claims	claim	NOUN
cblr-1739	577	46	.	.	PUNCT
cblr-1739	578	1	insurers	insurer	NOUN
cblr-1739	578	2	are	be	AUX
cblr-1739	578	3	checking	check	VERB
cblr-1739	578	4	whether	whether	SCONJ
cblr-1739	578	5	the	the	DET
cblr-1739	578	6	individuals	individual	NOUN
cblr-1739	578	7	involved	involve	VERB
cblr-1739	578	8	in	in	ADP
cblr-1739	578	9	liability	liability	NOUN
cblr-1739	578	10	issues	issue	NOUN
cblr-1739	578	11	have	have	AUX
cblr-1739	578	12	taken	take	VERB
cblr-1739	578	13	reasonable	reasonable	ADJ
cblr-1739	578	14	steps	step	NOUN
cblr-1739	578	15	to	to	PART
cblr-1739	578	16	protect	protect	VERB
cblr-1739	578	17	themselves.163	themselves.163	PROPN
cblr-1739	578	18	some	some	PRON
cblr-1739	578	19	have	have	AUX
cblr-1739	578	20	gone	go	VERB
cblr-1739	578	21	so	so	ADV
cblr-1739	578	22	far	far	ADV
cblr-1739	578	23	as	as	SCONJ
cblr-1739	578	24	to	to	PART
cblr-1739	578	25	designate	designate	VERB
cblr-1739	578	26	an	an	DET
cblr-1739	578	27	internal	internal	ADJ
cblr-1739	578	28	team	team	NOUN
cblr-1739	578	29	of	of	ADP
cblr-1739	578	30	cyberanalysts	cyberanalyst	NOUN
cblr-1739	578	31	to	to	PART
cblr-1739	578	32	inquire	inquire	VERB
cblr-1739	578	33	into	into	ADP
cblr-1739	578	34	a	a	DET
cblr-1739	578	35	person	person	NOUN
cblr-1739	578	36	’s	’s	PART
cblr-1739	578	37	digital	digital	ADJ
cblr-1739	578	38	activities	activity	NOUN
cblr-1739	578	39	and	and	CCONJ
cblr-1739	578	40	learn	learn	VERB
cblr-1739	578	41	whether	whether	SCONJ
cblr-1739	578	42	individuals	individual	NOUN
cblr-1739	578	43	are	be	AUX
cblr-1739	578	44	lying	lie	VERB
cblr-1739	578	45	about	about	ADP
cblr-1739	578	46	injury	injury	NOUN
cblr-1739	578	47	claims.164	claims.164	ADJ
cblr-1739	578	48	others	other	NOUN
cblr-1739	578	49	have	have	AUX
cblr-1739	578	50	used	use	VERB
cblr-1739	578	51	services	service	NOUN
cblr-1739	578	52	from	from	ADP
cblr-1739	578	53	external	external	ADJ
cblr-1739	578	54	specialty	specialty	NOUN
cblr-1739	578	55	firms	firm	NOUN
cblr-1739	578	56	to	to	PART
cblr-1739	578	57	obtain	obtain	VERB
cblr-1739	578	58	“	"	PUNCT
cblr-1739	578	59	dirt	dirt	NOUN
cblr-1739	578	60	”	"	PUNCT
cblr-1739	578	61	on	on	ADP
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cblr-1739	578	64	,	,	PUNCT
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cblr-1739	578	66	and	and	CCONJ
cblr-1739	578	67	third	third	ADJ
cblr-1739	578	68	parties	party	NOUN
cblr-1739	578	69	should	should	AUX
cblr-1739	578	70	refrain	refrain	VERB
cblr-1739	578	71	from	from	ADP
cblr-1739	578	72	sharing	share	VERB
cblr-1739	578	73	certain	certain	ADJ
cblr-1739	578	74	content	content	NOUN
cblr-1739	578	75	on	on	ADP
cblr-1739	578	76	social	social	ADJ
cblr-1739	578	77	networks	network	NOUN
cblr-1739	578	78	while	while	SCONJ
cblr-1739	578	79	involved	involve	VERB
cblr-1739	578	80	in	in	ADP
cblr-1739	578	81	an	an	DET
cblr-1739	578	82	insurance	insurance	NOUN
cblr-1739	578	83	claim	claim	NOUN
cblr-1739	578	84	.	.	PUNCT
cblr-1739	579	1	even	even	ADV
cblr-1739	579	2	insurance	insurance	NOUN
cblr-1739	579	3	organizations	organization	NOUN
cblr-1739	579	4	recommend	recommend	VERB
cblr-1739	579	5	thinking	think	VERB
cblr-1739	579	6	carefully	carefully	ADV
cblr-1739	579	7	about	about	ADP
cblr-1739	579	8	the	the	DET
cblr-1739	579	9	content	content	NOUN
cblr-1739	579	10	posted	post	VERB
cblr-1739	579	11	on	on	ADP
cblr-1739	579	12	one	one	NUM
cblr-1739	579	13	’s	’s	PART
cblr-1739	579	14	social	social	ADJ
cblr-1739	579	15	media	medium	NOUN
cblr-1739	579	16	accounts.166	accounts.166	NOUN
cblr-1739	579	17	161	161	NUM
cblr-1739	580	1	i	i	PROPN
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cblr-1739	580	3	162	162	NUM
cblr-1739	580	4	see	see	VERB
cblr-1739	580	5	stephanie	stephanie	PROPN
cblr-1739	580	6	goldberg	goldberg	PROPN
cblr-1739	580	7	,	,	PUNCT
cblr-1739	580	8	young	young	ADJ
cblr-1739	580	9	job	job	NOUN
cblr-1739	580	10	-	-	PUNCT
cblr-1739	580	11	seekers	seeker	NOUN
cblr-1739	580	12	hiding	hide	VERB
cblr-1739	580	13	their	their	PRON
cblr-1739	580	14	facebook	facebook	NOUN
cblr-1739	580	15	pages	page	NOUN
cblr-1739	580	16	,	,	PUNCT
cblr-1739	580	17	cnn	cnn	PROPN
cblr-1739	580	18	(	(	PUNCT
cblr-1739	580	19	mar	mar	PROPN
cblr-1739	580	20	.	.	PROPN
cblr-1739	580	21	29	29	NUM
cblr-1739	580	22	,	,	PUNCT
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cblr-1739	580	24	)	)	PUNCT
cblr-1739	580	25	,	,	PUNCT
cblr-1739	580	26	http://www.cnn.com/2010/tech/03/29/	http://www.cnn.com/2010/tech/03/29/	NOUN
cblr-1739	580	27	facebook.job	facebook.job	NOUN
cblr-1739	580	28	-	-	SYM
cblr-1739	580	29	seekers/	seekers/	NUM
cblr-1739	580	30	[	[	X
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cblr-1739	581	2	to	to	ADP
cblr-1739	581	3	jobvite	jobvite	PROPN
cblr-1739	581	4	’s	’s	PART
cblr-1739	581	5	job	job	NOUN
cblr-1739	581	6	seeker	seeker	NOUN
cblr-1739	581	7	nation	nation	NOUN
cblr-1739	581	8	study	study	NOUN
cblr-1739	581	9	,	,	PUNCT
cblr-1739	581	10	forty	forty	NUM
cblr-1739	581	11	percent	percent	NOUN
cblr-1739	581	12	of	of	ADP
cblr-1739	581	13	job	job	NOUN
cblr-1739	581	14	seekers	seeker	NOUN
cblr-1739	581	15	have	have	AUX
cblr-1739	581	16	modified	modify	VERB
cblr-1739	581	17	their	their	PRON
cblr-1739	581	18	social	social	ADJ
cblr-1739	581	19	media	medium	NOUN
cblr-1739	581	20	presence	presence	NOUN
cblr-1739	581	21	in	in	ADP
cblr-1739	581	22	some	some	DET
cblr-1739	581	23	way	way	NOUN
cblr-1739	581	24	,	,	PUNCT
cblr-1739	581	25	and	and	CCONJ
cblr-1739	581	26	seventeen	seventeen	NUM
cblr-1739	581	27	percent	percent	NOUN
cblr-1739	581	28	have	have	AUX
cblr-1739	581	29	deleted	delete	VERB
cblr-1739	581	30	specific	specific	ADJ
cblr-1739	581	31	content	content	NOUN
cblr-1739	581	32	.	.	PUNCT
cblr-1739	582	1	see	see	VERB
cblr-1739	582	2	jobvite	jobvite	NOUN
cblr-1739	582	3	,	,	PUNCT
cblr-1739	582	4	job	job	NOUN
cblr-1739	582	5	seeker	seeker	NOUN
cblr-1739	582	6	nation	nation	NOUN
cblr-1739	582	7	study	study	NOUN
cblr-1739	582	8	(	(	PUNCT
cblr-1739	582	9	2014	2014	NUM
cblr-1739	582	10	)	)	PUNCT
cblr-1739	582	11	,	,	PUNCT
cblr-1739	583	1	http://web.jobvite.com/rs/jobvite/images/2014%20job%20seeker%20survey	http://web.jobvite.com/rs/jobvite/images/2014%20job%20seeker%20survey	NOUN
cblr-1739	583	2	.pdf	.pdf	PUNCT
cblr-1739	584	1	[	[	X
cblr-1739	584	2	http://perma.cc/c35a-g9jr	http://perma.cc/c35a-g9jr	PROPN
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cblr-1739	584	4	.	.	PUNCT
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cblr-1739	585	2	see	see	VERB
cblr-1739	585	3	robin	robin	PROPN
cblr-1739	585	4	ash	ash	PROPN
cblr-1739	585	5	,	,	PUNCT
cblr-1739	585	6	online	online	ADJ
cblr-1739	585	7	holiday	holiday	NOUN
cblr-1739	585	8	snaps	snap	NOUN
cblr-1739	585	9	may	may	AUX
cblr-1739	585	10	cost	cost	VERB
cblr-1739	585	11	dearly	dearly	ADV
cblr-1739	585	12	,	,	PUNCT
cblr-1739	585	13	insurers	insurer	NOUN
cblr-1739	585	14	warn	warn	VERB
cblr-1739	585	15	,	,	PUNCT
cblr-1739	585	16	times	times	PROPN
cblr-1739	585	17	(	(	PUNCT
cblr-1739	585	18	london	london	PROPN
cblr-1739	585	19	)	)	PUNCT
cblr-1739	585	20	(	(	PUNCT
cblr-1739	585	21	apr	apr	PROPN
cblr-1739	585	22	.	.	PROPN
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cblr-1739	585	24	,	,	PUNCT
cblr-1739	585	25	2015	2015	NUM
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cblr-1739	585	27	,	,	PUNCT
cblr-1739	585	28	http://www.thetimes.co.uk/	http://www.thetimes.co.uk/	ADJ
cblr-1739	585	29	tto	tto	ADJ
cblr-1739	585	30	/	/	SYM
cblr-1739	585	31	money	money	NOUN
cblr-1739	585	32	/	/	SYM
cblr-1739	585	33	insurance	insurance	NOUN
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cblr-1739	586	1	[	[	X
cblr-1739	586	2	https://perma.cc/2qak-vmap	https://perma.cc/2qak-vmap	X
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cblr-1739	586	4	.	.	PUNCT
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cblr-1739	586	6	see	see	VERB
cblr-1739	586	7	rob	rob	PROPN
cblr-1739	586	8	shaw	shaw	PROPN
cblr-1739	586	9	,	,	PUNCT
cblr-1739	586	10	internet	internet	NOUN
cblr-1739	586	11	reduces	reduce	VERB
cblr-1739	586	12	icbc	icbc	NOUN
cblr-1739	586	13	’s	’s	PART
cblr-1739	586	14	need	need	NOUN
cblr-1739	586	15	for	for	ADP
cblr-1739	586	16	private	private	ADJ
cblr-1739	586	17	investigators	investigator	NOUN
cblr-1739	586	18	,	,	PUNCT
cblr-1739	586	19	vancouver	vancouver	PROPN
cblr-1739	586	20	sun	sun	PROPN
cblr-1739	586	21	(	(	PUNCT
cblr-1739	586	22	apr	apr	PROPN
cblr-1739	586	23	.	.	PROPN
cblr-1739	586	24	22	22	NUM
cblr-1739	586	25	,	,	PUNCT
cblr-1739	586	26	2015	2015	NUM
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cblr-1739	586	28	,	,	PUNCT
cblr-1739	586	29	http://www.vancouver	http://www.vancouver	X
cblr-1739	586	30	sun.com/technology/internet+reduces+icbc+need+private+investigators/1	sun.com/technology/internet+reduces+icbc+need+private+investigators/1	VERB
cblr-1739	586	31	0995448	0995448	NUM
cblr-1739	586	32	/	/	SYM
cblr-1739	587	1	story.html?__lsa=0fda-7a3b	story.html?__lsa=0fda-7a3b	NUM
cblr-1739	587	2	[	[	X
cblr-1739	587	3	http://perma.cc/c8lv-fl8n	http://perma.cc/c8lv-fl8n	NOUN
cblr-1739	587	4	]	]	X
cblr-1739	587	5	.	.	PUNCT
cblr-1739	588	1	165	165	NUM
cblr-1739	588	2	see	see	VERB
cblr-1739	588	3	,	,	PUNCT
cblr-1739	588	4	e.g.	e.g.	ADV
cblr-1739	588	5	,	,	PUNCT
cblr-1739	588	6	what	what	PRON
cblr-1739	588	7	we	we	PRON
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cblr-1739	588	9	,	,	PUNCT
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cblr-1739	588	11	,	,	PUNCT
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cblr-1739	589	1	[	[	X
cblr-1739	589	2	http://	http://	PROPN
cblr-1739	589	3	perma.cc/2qce-uhud	perma.cc/2qce-uhud	PROPN
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cblr-1739	589	5	.	.	PUNCT
cblr-1739	590	1	166	166	NUM
cblr-1739	590	2	rebecca	rebecca	NOUN
cblr-1739	590	3	perring	perring	NOUN
cblr-1739	590	4	,	,	PUNCT
cblr-1739	590	5	no	no	DET
cblr-1739	590	6	‘	'	PUNCT
cblr-1739	590	7	hot	hot	ADJ
cblr-1739	590	8	-	-	PUNCT
cblr-1739	590	9	dog	dog	NOUN
cblr-1739	590	10	legs’—keep	legs’—keep	NOUN
cblr-1739	590	11	holiday	holiday	NOUN
cblr-1739	590	12	selfies	selfie	NOUN
cblr-1739	590	13	off	off	ADP
cblr-1739	590	14	facebook	facebook	PROPN
cblr-1739	590	15	or	or	CCONJ
cblr-1739	590	16	have	have	VERB
cblr-1739	590	17	insurance	insurance	NOUN
cblr-1739	590	18	claims	claim	NOUN
cblr-1739	590	19	rejected	reject	VERB
cblr-1739	590	20	,	,	PUNCT
cblr-1739	590	21	daily	daily	ADV
cblr-1739	590	22	express	express	ADJ
cblr-1739	590	23	(	(	PUNCT
cblr-1739	590	24	london	london	PROPN
cblr-1739	590	25	)	)	PUNCT
cblr-1739	590	26	geslevich	geslevich	PROPN
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cblr-1739	590	28	&	&	CCONJ
cblr-1739	590	29	lev	lev	PROPN
cblr-1739	590	30	-	-	PUNCT
cblr-1739	590	31	aretz	aretz	PROPN
cblr-1739	590	32	–	–	PUNCT
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cblr-1739	590	34	380	380	NUM
cblr-1739	590	35	columbia	columbia	PROPN
cblr-1739	590	36	business	business	NOUN
cblr-1739	590	37	law	law	NOUN
cblr-1739	590	38	review	review	NOUN
cblr-1739	590	39	[	[	X
cblr-1739	590	40	vol	vol	NOUN
cblr-1739	590	41	.	.	NOUN
cblr-1739	590	42	2016	2016	NUM
cblr-1739	590	43	concealing	concealing	NOUN
cblr-1739	590	44	,	,	PUNCT
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cblr-1739	590	46	,	,	PUNCT
cblr-1739	590	47	or	or	CCONJ
cblr-1739	590	48	deleting	delete	VERB
cblr-1739	590	49	online	online	ADJ
cblr-1739	590	50	social	social	ADJ
cblr-1739	590	51	information	information	NOUN
cblr-1739	590	52	continues	continue	VERB
cblr-1739	590	53	to	to	PART
cblr-1739	590	54	play	play	VERB
cblr-1739	590	55	a	a	DET
cblr-1739	590	56	role	role	NOUN
cblr-1739	590	57	even	even	ADV
cblr-1739	590	58	when	when	SCONJ
cblr-1739	590	59	such	such	ADJ
cblr-1739	590	60	claims	claim	NOUN
cblr-1739	590	61	mature	mature	VERB
cblr-1739	590	62	into	into	ADP
cblr-1739	590	63	actual	actual	ADJ
cblr-1739	590	64	litigation	litigation	NOUN
cblr-1739	590	65	.	.	PUNCT
cblr-1739	591	1	for	for	ADP
cblr-1739	591	2	example	example	NOUN
cblr-1739	591	3	,	,	PUNCT
cblr-1739	591	4	the	the	DET
cblr-1739	591	5	florida	florida	PROPN
cblr-1739	591	6	bar	bar	PROPN
cblr-1739	591	7	’s	’s	PART
cblr-1739	591	8	professional	professional	ADJ
cblr-1739	591	9	ethics	ethic	NOUN
cblr-1739	591	10	committee	committee	PROPN
cblr-1739	591	11	recently	recently	ADV
cblr-1739	591	12	discussed	discuss	VERB
cblr-1739	591	13	this	this	DET
cblr-1739	591	14	matter	matter	NOUN
cblr-1739	591	15	,	,	PUNCT
cblr-1739	591	16	at	at	ADP
cblr-1739	591	17	the	the	DET
cblr-1739	591	18	request	request	NOUN
cblr-1739	591	19	of	of	ADP
cblr-1739	591	20	a	a	DET
cblr-1739	591	21	florida	florida	PROPN
cblr-1739	591	22	attorney	attorney	NOUN
cblr-1739	591	23	who	who	PRON
cblr-1739	591	24	handles	handle	VERB
cblr-1739	591	25	personal	personal	ADJ
cblr-1739	591	26	injury	injury	NOUN
cblr-1739	591	27	and	and	CCONJ
cblr-1739	591	28	wrongful	wrongful	ADJ
cblr-1739	591	29	death	death	NOUN
cblr-1739	591	30	cases.167	cases.167	PROPN
cblr-1739	591	31	the	the	DET
cblr-1739	591	32	committee	committee	NOUN
cblr-1739	591	33	ultimately	ultimately	ADV
cblr-1739	591	34	confirmed	confirm	VERB
cblr-1739	591	35	that	that	SCONJ
cblr-1739	591	36	an	an	DET
cblr-1739	591	37	attorney	attorney	NOUN
cblr-1739	591	38	could	could	AUX
cblr-1739	591	39	advise	advise	VERB
cblr-1739	591	40	her	her	PRON
cblr-1739	591	41	client	client	NOUN
cblr-1739	591	42	to	to	PART
cblr-1739	591	43	tighten	tighten	VERB
cblr-1739	591	44	privacy	privacy	NOUN
cblr-1739	591	45	settings	setting	NOUN
cblr-1739	591	46	and	and	CCONJ
cblr-1739	591	47	to	to	PART
cblr-1739	591	48	conceal	conceal	VERB
cblr-1739	591	49	information	information	NOUN
cblr-1739	591	50	relevant	relevant	ADJ
cblr-1739	591	51	to	to	ADP
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cblr-1739	591	53	foreseeable	foreseeable	ADJ
cblr-1739	591	54	proceeding	proceeding	NOUN
cblr-1739	591	55	from	from	ADP
cblr-1739	591	56	social	social	ADJ
cblr-1739	591	57	media	medium	NOUN
cblr-1739	591	58	accounts	account	NOUN
cblr-1739	591	59	as	as	ADV
cblr-1739	591	60	long	long	ADV
cblr-1739	591	61	as	as	SCONJ
cblr-1739	591	62	an	an	DET
cblr-1739	591	63	appropriate	appropriate	ADJ
cblr-1739	591	64	record	record	NOUN
cblr-1739	591	65	is	be	AUX
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cblr-1739	591	67	and	and	CCONJ
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cblr-1739	591	70	or	or	CCONJ
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cblr-1739	591	72	laws	law	NOUN
cblr-1739	591	73	regarding	regard	VERB
cblr-1739	591	74	the	the	DET
cblr-1739	591	75	preservation	preservation	NOUN
cblr-1739	591	76	and/or	and/or	CCONJ
cblr-1739	591	77	spoliation	spoliation	NOUN
cblr-1739	591	78	of	of	ADP
cblr-1739	591	79	evidence	evidence	NOUN
cblr-1739	591	80	are	be	AUX
cblr-1739	591	81	broken.168	broken.168	NOUN
cblr-1739	591	82	3	3	NUM
cblr-1739	592	1	.	.	PUNCT
cblr-1739	592	2	type	type	NOUN
cblr-1739	592	3	c	c	NOUN
cblr-1739	592	4	—	—	PUNCT
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cblr-1739	592	6	,	,	PUNCT
cblr-1739	592	7	idealistic	idealistic	ADJ
cblr-1739	592	8	,	,	PUNCT
cblr-1739	592	9	or	or	CCONJ
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cblr-1739	592	11	in	in	ADP
cblr-1739	592	12	a	a	DET
cblr-1739	592	13	different	different	ADJ
cblr-1739	592	14	way	way	NOUN
cblr-1739	592	15	while	while	SCONJ
cblr-1739	592	16	traditional	traditional	ADJ
cblr-1739	592	17	law	law	NOUN
cblr-1739	592	18	and	and	CCONJ
cblr-1739	592	19	economics	economic	NOUN
cblr-1739	592	20	assumes	assume	VERB
cblr-1739	592	21	that	that	SCONJ
cblr-1739	592	22	individuals	individual	NOUN
cblr-1739	592	23	attempt	attempt	VERB
cblr-1739	592	24	to	to	PART
cblr-1739	592	25	maximize	maximize	VERB
cblr-1739	592	26	their	their	PRON
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cblr-1739	592	33	law	law	NOUN
cblr-1739	592	34	and	and	CCONJ
cblr-1739	592	35	economics	economic	NOUN
cblr-1739	592	36	finds	find	VERB
cblr-1739	592	37	that	that	SCONJ
cblr-1739	592	38	deviations	deviation	NOUN
cblr-1739	592	39	from	from	ADP
cblr-1739	592	40	such	such	ADJ
cblr-1739	592	41	behavior	behavior	NOUN
cblr-1739	592	42	commonly	commonly	ADV
cblr-1739	592	43	occur	occur	VERB
cblr-1739	592	44	.	.	PUNCT
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cblr-1739	593	6	well	well	ADV
cblr-1739	593	7	-	-	PUNCT
cblr-1739	593	8	researched	research	VERB
cblr-1739	593	9	and	and	CCONJ
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cblr-1739	595	11	clients	client	NOUN
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cblr-1739	595	15	media	medium	NOUN
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cblr-1739	595	37	-	-	PUNCT
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cblr-1739	595	39	-	-	PUNCT
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cblr-1739	595	41	-	-	PUNCT
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cblr-1739	595	43	-	-	PUNCT
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cblr-1739	595	47	-	-	PUNCT
cblr-1739	595	48	media	medium	NOUN
cblr-1739	595	49	-	-	PUNCT
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cblr-1739	595	51	[	[	X
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cblr-1739	597	11	”	"	PUNCT
cblr-1739	597	12	these	these	DET
cblr-1739	597	13	effects	effect	NOUN
cblr-1739	597	14	occur	occur	VERB
cblr-1739	597	15	when	when	SCONJ
cblr-1739	597	16	individuals	individual	NOUN
cblr-1739	597	17	face	face	VERB
cblr-1739	597	18	an	an	DET
cblr-1739	597	19	identical	identical	ADJ
cblr-1739	597	20	set	set	NOUN
cblr-1739	597	21	of	of	ADP
cblr-1739	597	22	options	option	NOUN
cblr-1739	597	23	to	to	PART
cblr-1739	597	24	choose	choose	VERB
cblr-1739	597	25	from	from	ADP
cblr-1739	597	26	and	and	CCONJ
cblr-1739	597	27	select	select	VERB
cblr-1739	597	28	different	different	ADJ
cblr-1739	597	29	options	option	NOUN
cblr-1739	597	30	in	in	ADP
cblr-1739	597	31	different	different	ADJ
cblr-1739	597	32	contexts	contexts	NOUN
cblr-1739	597	33	.	.	PUNCT
cblr-1739	598	1	see	see	VERB
cblr-1739	598	2	jolls	joll	NOUN
cblr-1739	598	3	et	et	PROPN
cblr-1739	598	4	al	al	PROPN
cblr-1739	598	5	.	.	PROPN
cblr-1739	598	6	,	,	PUNCT
cblr-1739	598	7	supra	supra	PROPN
cblr-1739	598	8	note	note	PROPN
cblr-1739	598	9	118	118	NUM
cblr-1739	598	10	.	.	NOUN
cblr-1739	598	11	170	170	NUM
cblr-1739	598	12	self	self	NOUN
cblr-1739	598	13	-	-	PUNCT
cblr-1739	598	14	control	control	NOUN
cblr-1739	598	15	errors	error	NOUN
cblr-1739	598	16	include	include	VERB
cblr-1739	598	17	errors	error	NOUN
cblr-1739	598	18	in	in	ADP
cblr-1739	598	19	decisions	decision	NOUN
cblr-1739	598	20	about	about	ADP
cblr-1739	598	21	allocating	allocate	VERB
cblr-1739	598	22	resources	resource	NOUN
cblr-1739	598	23	over	over	ADP
cblr-1739	598	24	time	time	NOUN
cblr-1739	598	25	.	.	PUNCT
cblr-1739	599	1	see	see	VERB
cblr-1739	599	2	shane	shane	PROPN
cblr-1739	599	3	frederick	frederick	PROPN
cblr-1739	599	4	et	et	PROPN
cblr-1739	599	5	al	al	PROPN
cblr-1739	599	6	.	.	PROPN
cblr-1739	599	7	,	,	PUNCT
cblr-1739	599	8	time	time	NOUN
cblr-1739	599	9	discounting	discounting	NOUN
cblr-1739	599	10	and	and	CCONJ
cblr-1739	599	11	time	time	NOUN
cblr-1739	599	12	preference	preference	NOUN
cblr-1739	599	13	:	:	PUNCT
cblr-1739	599	14	a	a	DET
cblr-1739	599	15	critical	critical	ADJ
cblr-1739	599	16	review	review	NOUN
cblr-1739	599	17	,	,	PUNCT
cblr-1739	599	18	in	in	ADP
cblr-1739	599	19	time	time	NOUN
cblr-1739	599	20	and	and	CCONJ
cblr-1739	599	21	decision	decision	NOUN
cblr-1739	599	22	:	:	PUNCT
cblr-1739	599	23	economic	economic	ADJ
cblr-1739	599	24	and	and	CCONJ
cblr-1739	599	25	psychological	psychological	ADJ
cblr-1739	599	26	perspectives	perspective	NOUN
cblr-1739	599	27	on	on	ADP
cblr-1739	599	28	intertemporal	intertemporal	ADJ
cblr-1739	599	29	choice	choice	NOUN
cblr-1739	599	30	13	13	NUM
cblr-1739	599	31	,	,	PUNCT
cblr-1739	599	32	24–26	24–26	NUM
cblr-1739	599	33	(	(	PUNCT
cblr-1739	599	34	george	george	PROPN
cblr-1739	599	35	loewenstein	loewenstein	PROPN
cblr-1739	599	36	et	et	PROPN
cblr-1739	599	37	al	al	PROPN
cblr-1739	599	38	.	.	PUNCT
cblr-1739	600	1	eds	eds	PROPN
cblr-1739	600	2	.	.	PROPN
cblr-1739	600	3	,	,	PUNCT
cblr-1739	600	4	2003	2003	NUM
cblr-1739	600	5	)	)	PUNCT
cblr-1739	600	6	.	.	PUNCT
cblr-1739	601	1	such	such	ADJ
cblr-1739	601	2	errors	error	NOUN
cblr-1739	601	3	also	also	ADV
cblr-1739	601	4	include	include	VERB
cblr-1739	601	5	optimism	optimism	NOUN
cblr-1739	601	6	bias	bias	NOUN
cblr-1739	601	7	.	.	PUNCT
cblr-1739	602	1	see	see	VERB
cblr-1739	602	2	neil	neil	PROPN
cblr-1739	602	3	d.	d.	PROPN
cblr-1739	602	4	weinstein	weinstein	PROPN
cblr-1739	602	5	,	,	PUNCT
cblr-1739	602	6	unrealistic	unrealistic	ADJ
cblr-1739	602	7	optimism	optimism	NOUN
cblr-1739	602	8	about	about	ADP
cblr-1739	602	9	future	future	ADJ
cblr-1739	602	10	life	life	NOUN
cblr-1739	602	11	events	event	NOUN
cblr-1739	602	12	,	,	PUNCT
cblr-1739	602	13	39	39	NUM
cblr-1739	602	14	j.	j.	PROPN
cblr-1739	602	15	personality	personality	PROPN
cblr-1739	602	16	&	&	CCONJ
cblr-1739	602	17	soc	soc	PROPN
cblr-1739	602	18	.	.	PUNCT
cblr-1739	603	1	psychol	psychol	PROPN
cblr-1739	603	2	.	.	PROPN
cblr-1739	603	3	806	806	NUM
cblr-1739	603	4	,	,	PUNCT
cblr-1739	603	5	806–07	806–07	NUM
cblr-1739	603	6	(	(	PUNCT
cblr-1739	603	7	1980	1980	NUM
cblr-1739	603	8	)	)	PUNCT
cblr-1739	603	9	.	.	PUNCT
cblr-1739	604	1	geslevich	geslevich	PROPN
cblr-1739	604	2	packin	packin	PROPN
cblr-1739	604	3	&	&	CCONJ
cblr-1739	604	4	lev	lev	PROPN
cblr-1739	604	5	-	-	PUNCT
cblr-1739	604	6	aretz	aretz	PROPN
cblr-1739	604	7	–	–	PUNCT
cblr-1739	604	8	final	final	ADJ
cblr-1739	604	9	no	no	NOUN
cblr-1739	604	10	.	.	PUNCT
cblr-1739	605	1	2:339	2:339	NUM
cblr-1739	605	2	]	]	X
cblr-1739	605	3	on	on	ADP
cblr-1739	605	4	social	social	ADJ
cblr-1739	605	5	credit	credit	NOUN
cblr-1739	605	6	381	381	NUM
cblr-1739	605	7	type	type	NOUN
cblr-1739	605	8	c	c	NOUN
cblr-1739	605	9	individuals	individual	NOUN
cblr-1739	605	10	are	be	AUX
cblr-1739	605	11	consumers	consumer	NOUN
cblr-1739	605	12	who	who	PRON
cblr-1739	605	13	are	be	AUX
cblr-1739	605	14	likely	likely	ADJ
cblr-1739	605	15	to	to	PART
cblr-1739	605	16	depart	depart	VERB
cblr-1739	605	17	from	from	ADP
cblr-1739	605	18	rational	rational	ADJ
cblr-1739	605	19	choice	choice	NOUN
cblr-1739	605	20	behavior	behavior	NOUN
cblr-1739	605	21	by	by	ADP
cblr-1739	605	22	avoiding	avoid	VERB
cblr-1739	605	23	social	social	ADJ
cblr-1739	605	24	networks	network	NOUN
cblr-1739	605	25	or	or	CCONJ
cblr-1739	605	26	not	not	PART
cblr-1739	605	27	improving	improve	VERB
cblr-1739	605	28	their	their	PRON
cblr-1739	605	29	online	online	ADJ
cblr-1739	605	30	social	social	ADJ
cblr-1739	605	31	impression	impression	NOUN
cblr-1739	605	32	.	.	PUNCT
cblr-1739	606	1	type	type	NOUN
cblr-1739	606	2	c	c	NOUN
cblr-1739	606	3	individuals	individual	NOUN
cblr-1739	606	4	mirror	mirror	VERB
cblr-1739	606	5	the	the	DET
cblr-1739	606	6	behavior	behavior	NOUN
cblr-1739	606	7	of	of	ADP
cblr-1739	606	8	type	type	NOUN
cblr-1739	606	9	a	a	DET
cblr-1739	606	10	individuals	individual	NOUN
cblr-1739	606	11	,	,	PUNCT
cblr-1739	606	12	who	who	PRON
cblr-1739	606	13	avoid	avoid	VERB
cblr-1739	606	14	social	social	ADJ
cblr-1739	606	15	networks	network	NOUN
cblr-1739	606	16	or	or	CCONJ
cblr-1739	606	17	refuse	refuse	VERB
cblr-1739	606	18	to	to	PART
cblr-1739	606	19	make	make	VERB
cblr-1739	606	20	changes	change	NOUN
cblr-1739	606	21	to	to	ADP
cblr-1739	606	22	their	their	PRON
cblr-1739	606	23	online	online	ADJ
cblr-1739	606	24	persona	persona	NOUN
cblr-1739	606	25	.	.	PUNCT
cblr-1739	607	1	but	but	CCONJ
cblr-1739	607	2	unlike	unlike	ADP
cblr-1739	607	3	type	type	NOUN
cblr-1739	607	4	a	a	DET
cblr-1739	607	5	individuals	individual	NOUN
cblr-1739	607	6	,	,	PUNCT
cblr-1739	607	7	the	the	DET
cblr-1739	607	8	choice	choice	NOUN
cblr-1739	607	9	exhibited	exhibit	VERB
cblr-1739	607	10	by	by	ADP
cblr-1739	607	11	type	type	NOUN
cblr-1739	607	12	c	c	NOUN
cblr-1739	607	13	is	be	AUX
cblr-1739	607	14	not	not	PART
cblr-1739	607	15	a	a	DET
cblr-1739	607	16	rational	rational	ADJ
cblr-1739	607	17	one	one	NUM
cblr-1739	607	18	.	.	PUNCT
cblr-1739	608	1	instead	instead	ADV
cblr-1739	608	2	,	,	PUNCT
cblr-1739	608	3	they	they	PRON
cblr-1739	608	4	are	be	AUX
cblr-1739	608	5	passive	passive	ADJ
cblr-1739	608	6	,	,	PUNCT
cblr-1739	608	7	lazy	lazy	ADJ
cblr-1739	608	8	,	,	PUNCT
cblr-1739	608	9	or	or	CCONJ
cblr-1739	608	10	lack	lack	NOUN
cblr-1739	608	11	understanding	understanding	NOUN
cblr-1739	608	12	of	of	ADP
cblr-1739	608	13	technological	technological	ADJ
cblr-1739	608	14	and	and	CCONJ
cblr-1739	608	15	financial	financial	ADJ
cblr-1739	608	16	advancements	advancement	NOUN
cblr-1739	608	17	.	.	PUNCT
cblr-1739	609	1	those	those	PRON
cblr-1739	609	2	who	who	PRON
cblr-1739	609	3	avoid	avoid	VERB
cblr-1739	609	4	social	social	ADJ
cblr-1739	609	5	networking	networking	NOUN
cblr-1739	609	6	do	do	AUX
cblr-1739	609	7	not	not	PART
cblr-1739	609	8	properly	properly	ADV
cblr-1739	609	9	appreciate	appreciate	VERB
cblr-1739	609	10	the	the	DET
cblr-1739	609	11	context	context	NOUN
cblr-1739	609	12	,	,	PUNCT
cblr-1739	609	13	meaning	meaning	NOUN
cblr-1739	609	14	,	,	PUNCT
cblr-1739	609	15	and	and	CCONJ
cblr-1739	609	16	nature	nature	NOUN
cblr-1739	609	17	of	of	ADP
cblr-1739	609	18	social	social	ADJ
cblr-1739	609	19	credit	credit	NOUN
cblr-1739	609	20	.	.	PUNCT
cblr-1739	610	1	they	they	PRON
cblr-1739	610	2	might	might	AUX
cblr-1739	610	3	not	not	PART
cblr-1739	610	4	understand	understand	VERB
cblr-1739	610	5	that	that	SCONJ
cblr-1739	610	6	missing	miss	VERB
cblr-1739	610	7	out	out	ADP
cblr-1739	610	8	on	on	ADP
cblr-1739	610	9	social	social	ADJ
cblr-1739	610	10	networking	networking	NOUN
cblr-1739	610	11	means	mean	VERB
cblr-1739	610	12	more	more	ADJ
cblr-1739	610	13	than	than	ADP
cblr-1739	610	14	not	not	PART
cblr-1739	610	15	being	be	AUX
cblr-1739	610	16	able	able	ADJ
cblr-1739	610	17	to	to	PART
cblr-1739	610	18	see	see	VERB
cblr-1739	610	19	newly	newly	ADV
cblr-1739	610	20	posted	post	VERB
cblr-1739	610	21	pictures	picture	NOUN
cblr-1739	610	22	of	of	ADP
cblr-1739	610	23	their	their	PRON
cblr-1739	610	24	grandchildren	grandchild	NOUN
cblr-1739	610	25	or	or	CCONJ
cblr-1739	610	26	share	share	VERB
cblr-1739	610	27	interesting	interesting	ADJ
cblr-1739	610	28	news	news	NOUN
cblr-1739	610	29	articles	article	NOUN
cblr-1739	610	30	.	.	PUNCT
cblr-1739	611	1	because	because	SCONJ
cblr-1739	611	2	they	they	PRON
cblr-1739	611	3	never	never	ADV
cblr-1739	611	4	joined	join	VERB
cblr-1739	611	5	a	a	DET
cblr-1739	611	6	social	social	ADJ
cblr-1739	611	7	network	network	NOUN
cblr-1739	611	8	,	,	PUNCT
cblr-1739	611	9	there	there	PRON
cblr-1739	611	10	is	be	VERB
cblr-1739	611	11	less	less	ADV
cblr-1739	611	12	readily	readily	ADV
cblr-1739	611	13	available	available	ADJ
cblr-1739	611	14	information	information	NOUN
cblr-1739	611	15	on	on	ADP
cblr-1739	611	16	those	those	DET
cblr-1739	611	17	type	type	NOUN
cblr-1739	611	18	c	c	NOUN
cblr-1739	611	19	users	user	NOUN
cblr-1739	611	20	online	online	ADV
cblr-1739	611	21	,	,	PUNCT
cblr-1739	611	22	and	and	CCONJ
cblr-1739	611	23	thus	thus	ADV
cblr-1739	611	24	it	it	PRON
cblr-1739	611	25	is	be	AUX
cblr-1739	611	26	costlier	costly	ADJ
cblr-1739	611	27	for	for	SCONJ
cblr-1739	611	28	lenders	lender	NOUN
cblr-1739	611	29	to	to	PART
cblr-1739	611	30	assess	assess	VERB
cblr-1739	611	31	their	their	PRON
cblr-1739	611	32	creditworthiness	creditworthiness	NOUN
cblr-1739	611	33	.	.	PUNCT
cblr-1739	612	1	as	as	SCONJ
cblr-1739	612	2	explained	explain	VERB
cblr-1739	612	3	above	above	ADV
cblr-1739	612	4	,	,	PUNCT
cblr-1739	612	5	such	such	ADJ
cblr-1739	612	6	information	information	NOUN
cblr-1739	612	7	scarcity	scarcity	NOUN
cblr-1739	612	8	forces	force	VERB
cblr-1739	612	9	lenders	lender	NOUN
cblr-1739	612	10	to	to	PART
cblr-1739	612	11	spend	spend	VERB
cblr-1739	612	12	higher	high	ADJ
cblr-1739	612	13	transaction	transaction	NOUN
cblr-1739	612	14	costs	cost	NOUN
cblr-1739	612	15	on	on	ADP
cblr-1739	612	16	due	due	ADJ
cblr-1739	612	17	diligence	diligence	NOUN
cblr-1739	612	18	and	and	CCONJ
cblr-1739	612	19	pass	pass	VERB
cblr-1739	612	20	these	these	DET
cblr-1739	612	21	costs	cost	NOUN
cblr-1739	612	22	on	on	ADP
cblr-1739	612	23	to	to	ADP
cblr-1739	612	24	the	the	DET
cblr-1739	612	25	applicants	applicant	NOUN
cblr-1739	612	26	.	.	PUNCT
cblr-1739	613	1	had	have	VERB
cblr-1739	613	2	these	these	DET
cblr-1739	613	3	type	type	NOUN
cblr-1739	613	4	c	c	NOUN
cblr-1739	613	5	applicants	applicant	NOUN
cblr-1739	613	6	rationally	rationally	ADV
cblr-1739	613	7	analyzed	analyze	VERB
cblr-1739	613	8	the	the	DET
cblr-1739	613	9	social	social	ADJ
cblr-1739	613	10	credit	credit	NOUN
cblr-1739	613	11	ecosystem	ecosystem	NOUN
cblr-1739	613	12	,	,	PUNCT
cblr-1739	613	13	they	they	PRON
cblr-1739	613	14	might	might	AUX
cblr-1739	613	15	have	have	AUX
cblr-1739	613	16	reconsidered	reconsider	VERB
cblr-1739	613	17	their	their	PRON
cblr-1739	613	18	avoidance	avoidance	NOUN
cblr-1739	613	19	.	.	PUNCT
cblr-1739	614	1	there	there	PRON
cblr-1739	614	2	are	be	VERB
cblr-1739	614	3	also	also	ADV
cblr-1739	614	4	type	type	NOUN
cblr-1739	614	5	c	c	NOUN
cblr-1739	614	6	individuals	individual	NOUN
cblr-1739	614	7	who	who	PRON
cblr-1739	614	8	would	would	AUX
cblr-1739	614	9	continue	continue	VERB
cblr-1739	614	10	to	to	PART
cblr-1739	614	11	network	network	VERB
cblr-1739	614	12	freely	freely	ADV
cblr-1739	614	13	online	online	ADV
cblr-1739	614	14	without	without	ADP
cblr-1739	614	15	changing	change	VERB
cblr-1739	614	16	their	their	PRON
cblr-1739	614	17	past	past	NOUN
cblr-1739	614	18	or	or	CCONJ
cblr-1739	614	19	future	future	ADJ
cblr-1739	614	20	social	social	ADJ
cblr-1739	614	21	networking	networking	NOUN
cblr-1739	614	22	standards	standard	NOUN
cblr-1739	614	23	despite	despite	SCONJ
cblr-1739	614	24	the	the	DET
cblr-1739	614	25	potential	potential	ADJ
cblr-1739	614	26	negative	negative	ADJ
cblr-1739	614	27	impact	impact	NOUN
cblr-1739	614	28	to	to	ADP
cblr-1739	614	29	their	their	PRON
cblr-1739	614	30	credit	credit	NOUN
cblr-1739	614	31	scores	score	NOUN
cblr-1739	614	32	.	.	PUNCT
cblr-1739	615	1	if	if	SCONJ
cblr-1739	615	2	minimally	minimally	ADV
cblr-1739	615	3	informed	inform	VERB
cblr-1739	615	4	about	about	ADP
cblr-1739	615	5	the	the	DET
cblr-1739	615	6	main	main	ADJ
cblr-1739	615	7	factors	factor	NOUN
cblr-1739	615	8	coming	come	VERB
cblr-1739	615	9	into	into	ADP
cblr-1739	615	10	play	play	NOUN
cblr-1739	615	11	in	in	ADP
cblr-1739	615	12	a	a	DET
cblr-1739	615	13	social	social	ADJ
cblr-1739	615	14	credit	credit	NOUN
cblr-1739	615	15	analysis	analysis	NOUN
cblr-1739	615	16	,	,	PUNCT
cblr-1739	615	17	there	there	PRON
cblr-1739	615	18	is	be	VERB
cblr-1739	615	19	no	no	DET
cblr-1739	615	20	rational	rational	ADJ
cblr-1739	615	21	explanation	explanation	NOUN
cblr-1739	615	22	for	for	ADP
cblr-1739	615	23	such	such	DET
cblr-1739	615	24	a	a	DET
cblr-1739	615	25	behavior	behavior	NOUN
cblr-1739	615	26	,	,	PUNCT
cblr-1739	615	27	given	give	VERB
cblr-1739	615	28	(	(	PUNCT
cblr-1739	615	29	i	i	NOUN
cblr-1739	615	30	)	)	PUNCT
cblr-1739	615	31	the	the	DET
cblr-1739	615	32	relatively	relatively	ADV
cblr-1739	615	33	negligible	negligible	ADJ
cblr-1739	615	34	effort	effort	NOUN
cblr-1739	615	35	that	that	PRON
cblr-1739	615	36	is	be	AUX
cblr-1739	615	37	associated	associate	VERB
cblr-1739	615	38	with	with	ADP
cblr-1739	615	39	modifying	modify	VERB
cblr-1739	615	40	one	one	NUM
cblr-1739	615	41	’s	’s	PART
cblr-1739	615	42	own	own	ADJ
cblr-1739	615	43	social	social	ADJ
cblr-1739	615	44	network	network	NOUN
cblr-1739	615	45	accounts	account	NOUN
cblr-1739	615	46	,	,	PUNCT
cblr-1739	615	47	and	and	CCONJ
cblr-1739	615	48	(	(	PUNCT
cblr-1739	615	49	ii	ii	NOUN
cblr-1739	615	50	)	)	PUNCT
cblr-1739	615	51	the	the	DET
cblr-1739	615	52	ensuing	ensue	VERB
cblr-1739	615	53	negative	negative	ADJ
cblr-1739	615	54	financial	financial	ADJ
cblr-1739	615	55	consequences	consequence	NOUN
cblr-1739	615	56	.	.	PUNCT
cblr-1739	616	1	4	4	X
cblr-1739	616	2	.	.	X
cblr-1739	616	3	type	type	NOUN
cblr-1739	616	4	d	d	NOUN
cblr-1739	616	5	—	—	PUNCT
cblr-1739	616	6	non	non	ADJ
cblr-1739	616	7	-	-	ADJ
cblr-1739	616	8	tech	tech	ADJ
cblr-1739	616	9	savvy	savvy	NOUN
cblr-1739	616	10	and	and	CCONJ
cblr-1739	616	11	lemons	lemon	NOUN
cblr-1739	616	12	?	?	PUNCT
cblr-1739	617	1	also	also	ADV
cblr-1739	617	2	deviating	deviate	VERB
cblr-1739	617	3	from	from	ADP
cblr-1739	617	4	the	the	DET
cblr-1739	617	5	behavior	behavior	NOUN
cblr-1739	617	6	rational	rational	ADJ
cblr-1739	617	7	choice	choice	NOUN
cblr-1739	617	8	behavior	behavior	NOUN
cblr-1739	617	9	,	,	PUNCT
cblr-1739	617	10	type	type	NOUN
cblr-1739	617	11	d	d	NOUN
cblr-1739	617	12	individuals	individual	NOUN
cblr-1739	617	13	would	would	AUX
cblr-1739	617	14	avoid	avoid	VERB
cblr-1739	617	15	online	online	ADJ
cblr-1739	617	16	social	social	ADJ
cblr-1739	617	17	networking	networking	NOUN
cblr-1739	617	18	because	because	SCONJ
cblr-1739	617	19	of	of	ADP
cblr-1739	617	20	poor	poor	ADJ
cblr-1739	617	21	strategic	strategic	ADJ
cblr-1739	617	22	reasoning	reasoning	NOUN
cblr-1739	617	23	.	.	PUNCT
cblr-1739	618	1	those	those	DET
cblr-1739	618	2	individuals	individual	NOUN
cblr-1739	618	3	realize	realize	VERB
cblr-1739	618	4	they	they	PRON
cblr-1739	618	5	are	be	AUX
cblr-1739	618	6	not	not	PART
cblr-1739	618	7	strong	strong	ADJ
cblr-1739	618	8	candidates	candidate	NOUN
cblr-1739	618	9	for	for	ADP
cblr-1739	618	10	a	a	DET
cblr-1739	618	11	high	high	ADJ
cblr-1739	618	12	social	social	ADJ
cblr-1739	618	13	credit	credit	NOUN
cblr-1739	618	14	score	score	NOUN
cblr-1739	618	15	and	and	CCONJ
cblr-1739	618	16	hence	hence	ADV
cblr-1739	618	17	avoid	avoid	VERB
cblr-1739	618	18	social	social	ADJ
cblr-1739	618	19	networks	network	NOUN
cblr-1739	618	20	as	as	ADP
cblr-1739	618	21	a	a	DET
cblr-1739	618	22	game	game	NOUN
cblr-1739	618	23	plan	plan	NOUN
cblr-1739	618	24	to	to	PART
cblr-1739	618	25	conceal	conceal	VERB
cblr-1739	618	26	negative	negative	ADJ
cblr-1739	618	27	information	information	NOUN
cblr-1739	618	28	.	.	PUNCT
cblr-1739	619	1	in	in	ADP
cblr-1739	619	2	an	an	DET
cblr-1739	619	3	environment	environment	NOUN
cblr-1739	619	4	of	of	ADP
cblr-1739	619	5	informationgeslevich	informationgeslevich	PROPN
cblr-1739	619	6	packin	packin	NOUN
cblr-1739	619	7	&	&	CCONJ
cblr-1739	619	8	lev	lev	PROPN
cblr-1739	619	9	-	-	PUNCT
cblr-1739	619	10	aretz	aretz	PROPN
cblr-1739	619	11	–	–	PUNCT
cblr-1739	619	12	final	final	ADJ
cblr-1739	619	13	382	382	NUM
cblr-1739	619	14	columbia	columbia	PROPN
cblr-1739	619	15	business	business	NOUN
cblr-1739	619	16	law	law	PROPN
cblr-1739	619	17	review	review	NOUN
cblr-1739	620	1	[	[	X
cblr-1739	620	2	vol	vol	NOUN
cblr-1739	620	3	.	.	PUNCT
cblr-1739	620	4	2016	2016	NUM
cblr-1739	620	5	seeking	seek	VERB
cblr-1739	620	6	lenders	lender	NOUN
cblr-1739	620	7	,	,	PUNCT
cblr-1739	620	8	a	a	DET
cblr-1739	620	9	simplified	simplified	ADJ
cblr-1739	620	10	understanding	understanding	NOUN
cblr-1739	620	11	of	of	ADP
cblr-1739	620	12	credit	credit	NOUN
cblr-1739	620	13	underwriting	underwriting	NOUN
cblr-1739	620	14	would	would	AUX
cblr-1739	620	15	view	view	VERB
cblr-1739	620	16	risk	risk	NOUN
cblr-1739	620	17	assessment	assessment	NOUN
cblr-1739	620	18	as	as	SCONJ
cblr-1739	620	19	conducted	conduct	VERB
cblr-1739	620	20	by	by	ADP
cblr-1739	620	21	classifying	classify	VERB
cblr-1739	620	22	consumers	consumer	NOUN
cblr-1739	620	23	into	into	ADP
cblr-1739	620	24	“	"	PUNCT
cblr-1739	620	25	good	good	ADJ
cblr-1739	620	26	”	"	PUNCT
cblr-1739	620	27	or	or	CCONJ
cblr-1739	620	28	“	"	PUNCT
cblr-1739	620	29	bad	bad	ADJ
cblr-1739	620	30	”	"	PUNCT
cblr-1739	620	31	groups	group	NOUN
cblr-1739	620	32	.	.	PUNCT
cblr-1739	621	1	the	the	DET
cblr-1739	621	2	good	good	ADJ
cblr-1739	621	3	group	group	NOUN
cblr-1739	621	4	consists	consist	VERB
cblr-1739	621	5	of	of	ADP
cblr-1739	621	6	those	those	PRON
cblr-1739	621	7	who	who	PRON
cblr-1739	621	8	are	be	AUX
cblr-1739	621	9	extremely	extremely	ADV
cblr-1739	621	10	creditworthy	creditworthy	ADJ
cblr-1739	621	11	and	and	CCONJ
cblr-1739	621	12	pose	pose	VERB
cblr-1739	621	13	minimal	minimal	ADJ
cblr-1739	621	14	risk	risk	NOUN
cblr-1739	621	15	.	.	PUNCT
cblr-1739	622	1	the	the	DET
cblr-1739	622	2	bad	bad	ADJ
cblr-1739	622	3	group	group	NOUN
cblr-1739	622	4	consists	consist	VERB
cblr-1739	622	5	of	of	ADP
cblr-1739	622	6	those	those	PRON
cblr-1739	622	7	who	who	PRON
cblr-1739	622	8	are	be	AUX
cblr-1739	622	9	not	not	PART
cblr-1739	622	10	creditworthy	creditworthy	ADJ
cblr-1739	622	11	and	and	CCONJ
cblr-1739	622	12	do	do	AUX
cblr-1739	622	13	pose	pose	VERB
cblr-1739	622	14	risks	risk	NOUN
cblr-1739	622	15	.	.	PUNCT
cblr-1739	623	1	by	by	ADP
cblr-1739	623	2	concealing	conceal	VERB
cblr-1739	623	3	information	information	NOUN
cblr-1739	623	4	,	,	PUNCT
cblr-1739	623	5	type	type	NOUN
cblr-1739	623	6	d	d	PROPN
cblr-1739	623	7	individuals	individual	NOUN
cblr-1739	623	8	hope	hope	VERB
cblr-1739	623	9	to	to	PART
cblr-1739	623	10	move	move	VERB
cblr-1739	623	11	from	from	ADP
cblr-1739	623	12	the	the	DET
cblr-1739	623	13	bad	bad	ADJ
cblr-1739	623	14	group	group	NOUN
cblr-1739	623	15	to	to	ADP
cblr-1739	623	16	the	the	DET
cblr-1739	623	17	good	good	ADJ
cblr-1739	623	18	group	group	NOUN
cblr-1739	623	19	.	.	PUNCT
cblr-1739	624	1	in	in	ADP
cblr-1739	624	2	reality	reality	NOUN
cblr-1739	624	3	,	,	PUNCT
cblr-1739	624	4	however	however	ADV
cblr-1739	624	5	,	,	PUNCT
cblr-1739	624	6	all	all	DET
cblr-1739	624	7	defendants	defendant	NOUN
cblr-1739	624	8	are	be	AUX
cblr-1739	624	9	under	under	ADP
cblr-1739	624	10	a	a	DET
cblr-1739	624	11	cloud	cloud	NOUN
cblr-1739	624	12	of	of	ADP
cblr-1739	624	13	suspicion	suspicion	NOUN
cblr-1739	624	14	as	as	SCONJ
cblr-1739	624	15	lenders	lender	NOUN
cblr-1739	624	16	gather	gather	VERB
cblr-1739	624	17	information	information	NOUN
cblr-1739	624	18	and	and	CCONJ
cblr-1739	624	19	compile	compile	VERB
cblr-1739	624	20	their	their	PRON
cblr-1739	624	21	credit	credit	NOUN
cblr-1739	624	22	score	score	NOUN
cblr-1739	624	23	.	.	PUNCT
cblr-1739	625	1	as	as	ADP
cblr-1739	625	2	a	a	DET
cblr-1739	625	3	result	result	NOUN
cblr-1739	625	4	,	,	PUNCT
cblr-1739	625	5	the	the	DET
cblr-1739	625	6	good	good	ADJ
cblr-1739	625	7	group	group	NOUN
cblr-1739	625	8	will	will	AUX
cblr-1739	625	9	want	want	VERB
cblr-1739	625	10	to	to	PART
cblr-1739	625	11	differentiate	differentiate	VERB
cblr-1739	625	12	themselves	themselves	PRON
cblr-1739	625	13	by	by	ADP
cblr-1739	625	14	disclosing	disclose	VERB
cblr-1739	625	15	information	information	NOUN
cblr-1739	625	16	,	,	PUNCT
cblr-1739	625	17	while	while	SCONJ
cblr-1739	625	18	the	the	DET
cblr-1739	625	19	information	information	NOUN
cblr-1739	625	20	-	-	PUNCT
cblr-1739	625	21	seeking	seek	VERB
cblr-1739	625	22	lenders	lender	NOUN
cblr-1739	625	23	will	will	AUX
cblr-1739	625	24	simultaneously	simultaneously	ADV
cblr-1739	625	25	prefer	prefer	VERB
cblr-1739	625	26	that	that	SCONJ
cblr-1739	625	27	they	they	PRON
cblr-1739	625	28	do	do	VERB
cblr-1739	625	29	so.171	so.171	ADV
cblr-1739	625	30	when	when	SCONJ
cblr-1739	625	31	the	the	DET
cblr-1739	625	32	good	good	ADJ
cblr-1739	625	33	group	group	NOUN
cblr-1739	625	34	signals	signal	VERB
cblr-1739	625	35	they	they	PRON
cblr-1739	625	36	are	be	AUX
cblr-1739	625	37	creditworthy	creditworthy	ADJ
cblr-1739	625	38	,	,	PUNCT
cblr-1739	625	39	the	the	DET
cblr-1739	625	40	concealing	concealing	NOUN
cblr-1739	625	41	strategy	strategy	NOUN
cblr-1739	625	42	of	of	ADP
cblr-1739	625	43	the	the	DET
cblr-1739	625	44	bad	bad	ADJ
cblr-1739	625	45	group	group	NOUN
cblr-1739	625	46	turns	turn	VERB
cblr-1739	625	47	out	out	ADP
cblr-1739	625	48	to	to	PART
cblr-1739	625	49	be	be	AUX
cblr-1739	625	50	irrational	irrational	ADJ
cblr-1739	625	51	.	.	PUNCT
cblr-1739	626	1	such	such	DET
cblr-1739	626	2	a	a	DET
cblr-1739	626	3	strategy	strategy	NOUN
cblr-1739	626	4	would	would	AUX
cblr-1739	626	5	likely	likely	ADV
cblr-1739	626	6	backfire	backfire	VERB
cblr-1739	626	7	,	,	PUNCT
cblr-1739	626	8	as	as	SCONJ
cblr-1739	626	9	lenders	lender	NOUN
cblr-1739	626	10	would	would	AUX
cblr-1739	626	11	believe	believe	VERB
cblr-1739	626	12	those	those	DET
cblr-1739	626	13	consumers	consumer	NOUN
cblr-1739	626	14	’	’	PART
cblr-1739	626	15	credit	credit	NOUN
cblr-1739	626	16	scores	score	NOUN
cblr-1739	626	17	are	be	AUX
cblr-1739	626	18	worse	bad	ADJ
cblr-1739	626	19	than	than	SCONJ
cblr-1739	626	20	they	they	PRON
cblr-1739	626	21	are	be	AUX
cblr-1739	626	22	in	in	ADP
cblr-1739	626	23	reality	reality	NOUN
cblr-1739	626	24	.	.	PUNCT
cblr-1739	627	1	indeed	indeed	ADV
cblr-1739	627	2	,	,	PUNCT
cblr-1739	627	3	lenders	lender	NOUN
cblr-1739	627	4	would	would	AUX
cblr-1739	627	5	view	view	VERB
cblr-1739	627	6	them	they	PRON
cblr-1739	627	7	as	as	ADP
cblr-1739	627	8	lemons.172	lemons.172	PROPN
cblr-1739	627	9	iv	iv	PROPN
cblr-1739	627	10	.	.	PUNCT
cblr-1739	627	11	privacy	privacy	NOUN
cblr-1739	627	12	-	-	PUNCT
cblr-1739	627	13	related	relate	VERB
cblr-1739	627	14	harms	harm	VERB
cblr-1739	627	15	the	the	DET
cblr-1739	627	16	utilization	utilization	NOUN
cblr-1739	627	17	of	of	ADP
cblr-1739	627	18	social	social	ADJ
cblr-1739	627	19	information	information	NOUN
cblr-1739	627	20	for	for	ADP
cblr-1739	627	21	financial	financial	ADJ
cblr-1739	627	22	ranking	ranking	NOUN
cblr-1739	627	23	purposes	purpose	NOUN
cblr-1739	627	24	poses	pose	VERB
cblr-1739	627	25	a	a	DET
cblr-1739	627	26	number	number	NOUN
cblr-1739	627	27	of	of	ADP
cblr-1739	627	28	policy	policy	NOUN
cblr-1739	627	29	challenges	challenge	NOUN
cblr-1739	627	30	,	,	PUNCT
cblr-1739	627	31	the	the	DET
cblr-1739	627	32	first	first	ADJ
cblr-1739	627	33	of	of	ADP
cblr-1739	627	34	which	which	PRON
cblr-1739	627	35	relates	relate	VERB
cblr-1739	627	36	to	to	ADP
cblr-1739	627	37	privacy	privacy	NOUN
cblr-1739	627	38	issues	issue	NOUN
cblr-1739	627	39	that	that	PRON
cblr-1739	627	40	would	would	AUX
cblr-1739	627	41	directly	directly	ADV
cblr-1739	627	42	result	result	VERB
cblr-1739	627	43	from	from	ADP
cblr-1739	627	44	the	the	DET
cblr-1739	627	45	rational	rational	ADJ
cblr-1739	627	46	choice	choice	NOUN
cblr-1739	627	47	behavior	behavior	NOUN
cblr-1739	627	48	of	of	ADP
cblr-1739	627	49	type	type	NOUN
cblr-1739	627	50	b	b	PROPN
cblr-1739	627	51	individuals	individual	NOUN
cblr-1739	627	52	.	.	PUNCT
cblr-1739	628	1	at	at	ADP
cblr-1739	628	2	the	the	DET
cblr-1739	628	3	direct	direct	ADJ
cblr-1739	628	4	level	level	NOUN
cblr-1739	628	5	,	,	PUNCT
cblr-1739	628	6	the	the	DET
cblr-1739	628	7	social	social	ADJ
cblr-1739	628	8	credit	credit	NOUN
cblr-1739	628	9	apps	app	NOUN
cblr-1739	628	10	have	have	VERB
cblr-1739	628	11	an	an	DET
cblr-1739	628	12	obvious	obvious	ADJ
cblr-1739	628	13	impact	impact	NOUN
cblr-1739	628	14	on	on	ADP
cblr-1739	628	15	the	the	DET
cblr-1739	628	16	loan	loan	NOUN
cblr-1739	628	17	seeker	seeker	NOUN
cblr-1739	628	18	’s	’s	PART
cblr-1739	628	19	privacy	privacy	NOUN
cblr-1739	628	20	;	;	PUNCT
cblr-1739	628	21	they	they	PRON
cblr-1739	628	22	accrue	accrue	VERB
cblr-1739	628	23	and	and	CCONJ
cblr-1739	628	24	survey	survey	VERB
cblr-1739	628	25	data	datum	NOUN
cblr-1739	628	26	to	to	ADP
cblr-1739	628	27	171	171	NUM
cblr-1739	628	28	see	see	VERB
cblr-1739	628	29	samuel	samuel	PROPN
cblr-1739	628	30	bray	bray	PROPN
cblr-1739	628	31	,	,	PUNCT
cblr-1739	628	32	not	not	PART
cblr-1739	628	33	proven	prove	VERB
cblr-1739	628	34	:	:	PUNCT
cblr-1739	628	35	introducing	introduce	VERB
cblr-1739	628	36	a	a	DET
cblr-1739	628	37	third	third	ADJ
cblr-1739	628	38	verdict	verdict	NOUN
cblr-1739	628	39	,	,	PUNCT
cblr-1739	628	40	72	72	NUM
cblr-1739	628	41	u.	u.	NOUN
cblr-1739	628	42	chi	chi	PROPN
cblr-1739	628	43	.	.	PUNCT
cblr-1739	629	1	l.	l.	PROPN
cblr-1739	629	2	rev	rev	PROPN
cblr-1739	629	3	.	.	PROPN
cblr-1739	629	4	1299	1299	NUM
cblr-1739	629	5	,	,	PUNCT
cblr-1739	629	6	1309	1309	NUM
cblr-1739	629	7	(	(	PUNCT
cblr-1739	629	8	2005	2005	NUM
cblr-1739	629	9	)	)	PUNCT
cblr-1739	629	10	.	.	PUNCT
cblr-1739	630	1	172	172	NUM
cblr-1739	630	2	the	the	DET
cblr-1739	630	3	“	"	PUNCT
cblr-1739	630	4	buyers	buyer	NOUN
cblr-1739	630	5	,	,	PUNCT
cblr-1739	630	6	”	"	PUNCT
cblr-1739	630	7	who	who	PRON
cblr-1739	630	8	are	be	AUX
cblr-1739	630	9	often	often	ADV
cblr-1739	630	10	the	the	DET
cblr-1739	630	11	buyers	buyer	NOUN
cblr-1739	630	12	of	of	ADP
cblr-1739	630	13	potential	potential	ADJ
cblr-1739	630	14	goods	good	NOUN
cblr-1739	630	15	or	or	CCONJ
cblr-1739	630	16	services	service	NOUN
cblr-1739	630	17	(	(	PUNCT
cblr-1739	630	18	in	in	ADP
cblr-1739	630	19	our	our	PRON
cblr-1739	630	20	situation	situation	NOUN
cblr-1739	630	21	,	,	PUNCT
cblr-1739	630	22	the	the	DET
cblr-1739	630	23	lenders	lender	NOUN
cblr-1739	630	24	,	,	PUNCT
cblr-1739	630	25	who	who	PRON
cblr-1739	630	26	are	be	AUX
cblr-1739	630	27	the	the	DET
cblr-1739	630	28	information	information	NOUN
cblr-1739	630	29	-	-	PUNCT
cblr-1739	630	30	seekers	seeker	NOUN
cblr-1739	630	31	)	)	PUNCT
cblr-1739	630	32	lack	lack	NOUN
cblr-1739	630	33	and	and	CCONJ
cblr-1739	630	34	can	can	AUX
cblr-1739	630	35	not	not	PART
cblr-1739	630	36	detect	detect	VERB
cblr-1739	630	37	information	information	NOUN
cblr-1739	630	38	the	the	DET
cblr-1739	630	39	“	"	PUNCT
cblr-1739	630	40	sellers	seller	NOUN
cblr-1739	630	41	”	"	PUNCT
cblr-1739	630	42	(	(	PUNCT
cblr-1739	630	43	consumers	consumer	NOUN
cblr-1739	630	44	)	)	PUNCT
cblr-1739	630	45	have	have	VERB
cblr-1739	630	46	.	.	PUNCT
cblr-1739	631	1	in	in	ADP
cblr-1739	631	2	the	the	DET
cblr-1739	631	3	lemons	lemon	NOUN
cblr-1739	631	4	problem	problem	NOUN
cblr-1739	631	5	,	,	PUNCT
cblr-1739	631	6	given	give	VERB
cblr-1739	631	7	the	the	DET
cblr-1739	631	8	lack	lack	NOUN
cblr-1739	631	9	of	of	ADP
cblr-1739	631	10	information	information	NOUN
cblr-1739	631	11	,	,	PUNCT
cblr-1739	631	12	the	the	DET
cblr-1739	631	13	prices	price	NOUN
cblr-1739	631	14	one	one	PRON
cblr-1739	631	15	is	be	AUX
cblr-1739	631	16	willing	willing	ADJ
cblr-1739	631	17	to	to	PART
cblr-1739	631	18	pay	pay	VERB
cblr-1739	631	19	with	with	ADP
cblr-1739	631	20	less	less	ADJ
cblr-1739	631	21	information	information	NOUN
cblr-1739	631	22	fall	fall	NOUN
cblr-1739	631	23	and	and	CCONJ
cblr-1739	631	24	the	the	DET
cblr-1739	631	25	good	good	ADJ
cblr-1739	631	26	products	product	NOUN
cblr-1739	631	27	drop	drop	VERB
cblr-1739	631	28	out	out	ADP
cblr-1739	631	29	,	,	PUNCT
cblr-1739	631	30	leaving	leave	VERB
cblr-1739	631	31	only	only	ADJ
cblr-1739	631	32	lemons	lemon	NOUN
cblr-1739	631	33	.	.	PUNCT
cblr-1739	632	1	this	this	DET
cblr-1739	632	2	lemons	lemon	NOUN
cblr-1739	632	3	argument	argument	NOUN
cblr-1739	632	4	has	have	AUX
cblr-1739	632	5	been	be	AUX
cblr-1739	632	6	used	use	VERB
cblr-1739	632	7	in	in	ADP
cblr-1739	632	8	many	many	ADJ
cblr-1739	632	9	disciplines	discipline	NOUN
cblr-1739	632	10	.	.	PUNCT
cblr-1739	633	1	for	for	ADP
cblr-1739	633	2	a	a	DET
cblr-1739	633	3	lemons	lemon	NOUN
cblr-1739	633	4	argument	argument	NOUN
cblr-1739	633	5	in	in	ADP
cblr-1739	633	6	the	the	DET
cblr-1739	633	7	context	context	NOUN
cblr-1739	633	8	of	of	ADP
cblr-1739	633	9	juvenile	juvenile	ADJ
cblr-1739	633	10	records	record	NOUN
cblr-1739	633	11	,	,	PUNCT
cblr-1739	633	12	see	see	VERB
cblr-1739	633	13	t.	t.	PROPN
cblr-1739	633	14	markus	markus	PROPN
cblr-1739	633	15	funk	funk	NOUN
cblr-1739	633	16	&	&	CCONJ
cblr-1739	633	17	daniel	daniel	PROPN
cblr-1739	633	18	d.	d.	PROPN
cblr-1739	633	19	polsby	polsby	PROPN
cblr-1739	633	20	,	,	PUNCT
cblr-1739	633	21	distributional	distributional	ADJ
cblr-1739	633	22	consequences	consequence	NOUN
cblr-1739	633	23	of	of	ADP
cblr-1739	633	24	expunging	expunge	VERB
cblr-1739	633	25	juvenile	juvenile	ADJ
cblr-1739	633	26	delinquency	delinquency	NOUN
cblr-1739	633	27	records	record	NOUN
cblr-1739	633	28	:	:	PUNCT
cblr-1739	633	29	the	the	DET
cblr-1739	633	30	problem	problem	NOUN
cblr-1739	633	31	of	of	ADP
cblr-1739	633	32	lemons	lemon	NOUN
cblr-1739	633	33	,	,	PUNCT
cblr-1739	633	34	52	52	NUM
cblr-1739	633	35	wash	wash	NOUN
cblr-1739	633	36	u.	u.	PROPN
cblr-1739	633	37	j.	j.	PROPN
cblr-1739	633	38	urban	urban	PROPN
cblr-1739	633	39	&	&	CCONJ
cblr-1739	633	40	contemp	contemp	PROPN
cblr-1739	633	41	.	.	PUNCT
cblr-1739	634	1	l.	l.	PROPN
cblr-1739	634	2	161	161	NUM
cblr-1739	634	3	,	,	PUNCT
cblr-1739	634	4	166	166	NUM
cblr-1739	634	5	(	(	PUNCT
cblr-1739	634	6	1997	1997	NUM
cblr-1739	634	7	)	)	PUNCT
cblr-1739	634	8	.	.	PUNCT
cblr-1739	635	1	geslevich	geslevich	PROPN
cblr-1739	635	2	packin	packin	PROPN
cblr-1739	635	3	&	&	CCONJ
cblr-1739	635	4	lev	lev	PROPN
cblr-1739	635	5	-	-	PUNCT
cblr-1739	635	6	aretz	aretz	PROPN
cblr-1739	635	7	–	–	PUNCT
cblr-1739	635	8	final	final	ADJ
cblr-1739	635	9	no	no	NOUN
cblr-1739	635	10	.	.	PUNCT
cblr-1739	636	1	2:339	2:339	NUM
cblr-1739	636	2	]	]	X
cblr-1739	636	3	on	on	ADP
cblr-1739	636	4	social	social	ADJ
cblr-1739	636	5	credit	credit	NOUN
cblr-1739	636	6	383	383	NUM
cblr-1739	636	7	learn	learn	VERB
cblr-1739	636	8	about	about	ADP
cblr-1739	636	9	applicants	applicant	NOUN
cblr-1739	636	10	’	'	PUNCT
cblr-1739	636	11	marital	marital	ADJ
cblr-1739	636	12	status	status	NOUN
cblr-1739	636	13	,	,	PUNCT
cblr-1739	636	14	family	family	NOUN
cblr-1739	636	15	ties	tie	NOUN
cblr-1739	636	16	,	,	PUNCT
cblr-1739	636	17	friendships	friendship	NOUN
cblr-1739	636	18	,	,	PUNCT
cblr-1739	636	19	jobs	job	NOUN
cblr-1739	636	20	,	,	PUNCT
cblr-1739	636	21	shopping	shopping	NOUN
cblr-1739	636	22	preferences	preference	NOUN
cblr-1739	636	23	,	,	PUNCT
cblr-1739	636	24	political	political	ADJ
cblr-1739	636	25	stances	stance	NOUN
cblr-1739	636	26	,	,	PUNCT
cblr-1739	636	27	and	and	CCONJ
cblr-1739	636	28	more	more	ADJ
cblr-1739	636	29	.	.	PUNCT
cblr-1739	637	1	as	as	SCONJ
cblr-1739	637	2	opposed	oppose	VERB
cblr-1739	637	3	to	to	ADP
cblr-1739	637	4	other	other	ADJ
cblr-1739	637	5	applications	application	NOUN
cblr-1739	637	6	of	of	ADP
cblr-1739	637	7	big	big	ADJ
cblr-1739	637	8	data	datum	NOUN
cblr-1739	637	9	that	that	PRON
cblr-1739	637	10	aggregate	aggregate	VERB
cblr-1739	637	11	and	and	CCONJ
cblr-1739	637	12	anonymize	anonymize	VERB
cblr-1739	637	13	information	information	NOUN
cblr-1739	637	14	,	,	PUNCT
cblr-1739	637	15	the	the	DET
cblr-1739	637	16	use	use	NOUN
cblr-1739	637	17	of	of	ADP
cblr-1739	637	18	social	social	ADJ
cblr-1739	637	19	intelligence	intelligence	NOUN
cblr-1739	637	20	for	for	ADP
cblr-1739	637	21	financial	financial	ADJ
cblr-1739	637	22	ranking	ranking	NOUN
cblr-1739	637	23	is	be	AUX
cblr-1739	637	24	dependent	dependent	ADJ
cblr-1739	637	25	upon	upon	SCONJ
cblr-1739	637	26	personal	personal	ADJ
cblr-1739	637	27	identification	identification	NOUN
cblr-1739	637	28	.	.	PUNCT
cblr-1739	638	1	some	some	DET
cblr-1739	638	2	apps	app	NOUN
cblr-1739	638	3	ask	ask	VERB
cblr-1739	638	4	for	for	ADP
cblr-1739	638	5	the	the	DET
cblr-1739	638	6	loan	loan	NOUN
cblr-1739	638	7	seeker	seeker	NOUN
cblr-1739	638	8	’s	’s	PART
cblr-1739	638	9	login	login	NOUN
cblr-1739	638	10	passcodes	passcode	NOUN
cblr-1739	638	11	and	and	CCONJ
cblr-1739	638	12	then	then	ADV
cblr-1739	638	13	scan	scan	VERB
cblr-1739	638	14	her	her	PRON
cblr-1739	638	15	entire	entire	ADJ
cblr-1739	638	16	activity	activity	NOUN
cblr-1739	638	17	,	,	PUNCT
cblr-1739	638	18	including	include	VERB
cblr-1739	638	19	not	not	PART
cblr-1739	638	20	only	only	ADV
cblr-1739	638	21	visible	visible	ADJ
cblr-1739	638	22	online	online	ADJ
cblr-1739	638	23	footprints	footprint	NOUN
cblr-1739	638	24	but	but	CCONJ
cblr-1739	638	25	also	also	ADV
cblr-1739	638	26	private	private	ADJ
cblr-1739	638	27	exchanges.173	exchanges.173	NOUN
cblr-1739	638	28	others	other	NOUN
cblr-1739	638	29	simply	simply	ADV
cblr-1739	638	30	notify	notify	VERB
cblr-1739	638	31	the	the	DET
cblr-1739	638	32	applicant	applicant	NOUN
cblr-1739	638	33	that	that	SCONJ
cblr-1739	638	34	their	their	PRON
cblr-1739	638	35	risk	risk	NOUN
cblr-1739	638	36	analysis	analysis	NOUN
cblr-1739	638	37	takes	take	VERB
cblr-1739	638	38	into	into	ADP
cblr-1739	638	39	account	account	NOUN
cblr-1739	638	40	her	her	PRON
cblr-1739	638	41	online	online	ADJ
cblr-1739	638	42	social	social	ADJ
cblr-1739	638	43	image	image	NOUN
cblr-1739	638	44	.	.	PUNCT
cblr-1739	639	1	a.	a.	PROPN
cblr-1739	639	2	direct	direct	PROPN
cblr-1739	639	3	privacy	privacy	PROPN
cblr-1739	639	4	effect	effect	NOUN
cblr-1739	639	5	at	at	ADP
cblr-1739	639	6	the	the	DET
cblr-1739	639	7	direct	direct	ADJ
cblr-1739	639	8	level	level	NOUN
cblr-1739	639	9	of	of	ADP
cblr-1739	639	10	interaction	interaction	NOUN
cblr-1739	639	11	between	between	ADP
cblr-1739	639	12	the	the	DET
cblr-1739	639	13	loan	loan	NOUN
cblr-1739	639	14	seeker	seeker	NOUN
cblr-1739	639	15	and	and	CCONJ
cblr-1739	639	16	the	the	DET
cblr-1739	639	17	lender	lender	NOUN
cblr-1739	639	18	,	,	PUNCT
cblr-1739	639	19	the	the	DET
cblr-1739	639	20	penetration	penetration	NOUN
cblr-1739	639	21	into	into	ADP
cblr-1739	639	22	the	the	DET
cblr-1739	639	23	former	former	ADJ
cblr-1739	639	24	’s	’s	PART
cblr-1739	639	25	private	private	ADJ
cblr-1739	639	26	matters	matter	NOUN
cblr-1739	639	27	is	be	AUX
cblr-1739	639	28	justified	justify	VERB
cblr-1739	639	29	against	against	ADP
cblr-1739	639	30	the	the	DET
cblr-1739	639	31	backdrop	backdrop	NOUN
cblr-1739	639	32	of	of	ADP
cblr-1739	639	33	her	her	PRON
cblr-1739	639	34	conspicuous	conspicuous	ADJ
cblr-1739	639	35	consent	consent	NOUN
cblr-1739	639	36	.	.	PUNCT
cblr-1739	640	1	this	this	PRON
cblr-1739	640	2	is	be	AUX
cblr-1739	640	3	a	a	DET
cblr-1739	640	4	simple	simple	ADJ
cblr-1739	640	5	and	and	CCONJ
cblr-1739	640	6	in	in	ADP
cblr-1739	640	7	many	many	ADJ
cblr-1739	640	8	ways	way	NOUN
cblr-1739	640	9	reasonable	reasonable	ADJ
cblr-1739	640	10	transaction	transaction	NOUN
cblr-1739	640	11	:	:	PUNCT
cblr-1739	640	12	one	one	NUM
cblr-1739	640	13	barters	barter	VERB
cblr-1739	640	14	the	the	DET
cblr-1739	640	15	private	private	ADJ
cblr-1739	640	16	details	detail	NOUN
cblr-1739	640	17	of	of	ADP
cblr-1739	640	18	one	one	NUM
cblr-1739	640	19	’s	’s	PART
cblr-1739	640	20	life	life	NOUN
cblr-1739	640	21	for	for	ADP
cblr-1739	640	22	better	well	ADJ
cblr-1739	640	23	interest	interest	NOUN
cblr-1739	640	24	rates	rate	NOUN
cblr-1739	640	25	.	.	PUNCT
cblr-1739	641	1	trading	trade	VERB
cblr-1739	641	2	away	away	ADV
cblr-1739	641	3	personal	personal	ADJ
cblr-1739	641	4	information	information	NOUN
cblr-1739	641	5	in	in	ADP
cblr-1739	641	6	return	return	NOUN
cblr-1739	641	7	for	for	ADP
cblr-1739	641	8	products	product	NOUN
cblr-1739	641	9	or	or	CCONJ
cblr-1739	641	10	services	service	NOUN
cblr-1739	641	11	is	be	AUX
cblr-1739	641	12	not	not	PART
cblr-1739	641	13	new	new	ADJ
cblr-1739	641	14	and	and	CCONJ
cblr-1739	641	15	has	have	AUX
cblr-1739	641	16	long	long	ADV
cblr-1739	641	17	been	be	AUX
cblr-1739	641	18	a	a	DET
cblr-1739	641	19	dominant	dominant	ADJ
cblr-1739	641	20	model	model	NOUN
cblr-1739	641	21	in	in	ADP
cblr-1739	641	22	other	other	ADJ
cblr-1739	641	23	markets	market	NOUN
cblr-1739	641	24	.	.	PUNCT
cblr-1739	642	1	a	a	DET
cblr-1739	642	2	very	very	ADV
cblr-1739	642	3	common	common	ADJ
cblr-1739	642	4	example	example	NOUN
cblr-1739	642	5	is	be	AUX
cblr-1739	642	6	the	the	DET
cblr-1739	642	7	behavioral	behavioral	ADJ
cblr-1739	642	8	advertising	advertising	NOUN
cblr-1739	642	9	business	business	NOUN
cblr-1739	642	10	model	model	NOUN
cblr-1739	642	11	,	,	PUNCT
cblr-1739	642	12	in	in	ADP
cblr-1739	642	13	which	which	PRON
cblr-1739	642	14	advertising	advertising	NOUN
cblr-1739	642	15	is	be	AUX
cblr-1739	642	16	selected	select	VERB
cblr-1739	642	17	and	and	CCONJ
cblr-1739	642	18	displayed	display	VERB
cblr-1739	642	19	based	base	VERB
cblr-1739	642	20	on	on	ADP
cblr-1739	642	21	information	information	NOUN
cblr-1739	642	22	about	about	ADP
cblr-1739	642	23	the	the	DET
cblr-1739	642	24	individual	individual	ADJ
cblr-1739	642	25	user.174	user.174	INTJ
cblr-1739	642	26	data	datum	NOUN
cblr-1739	642	27	is	be	AUX
cblr-1739	642	28	often	often	ADV
cblr-1739	642	29	collected	collect	VERB
cblr-1739	642	30	based	base	VERB
cblr-1739	642	31	on	on	ADP
cblr-1739	642	32	a	a	DET
cblr-1739	642	33	consensual	consensual	ADJ
cblr-1739	642	34	exchange	exchange	NOUN
cblr-1739	642	35	,	,	PUNCT
cblr-1739	642	36	in	in	ADP
cblr-1739	642	37	which	which	PRON
cblr-1739	642	38	personal	personal	ADJ
cblr-1739	642	39	information	information	NOUN
cblr-1739	642	40	is	be	AUX
cblr-1739	642	41	used	use	VERB
cblr-1739	642	42	as	as	ADP
cblr-1739	642	43	currency	currency	NOUN
cblr-1739	642	44	to	to	PART
cblr-1739	642	45	pay	pay	VERB
cblr-1739	642	46	for	for	ADP
cblr-1739	642	47	various	various	ADJ
cblr-1739	642	48	products	product	NOUN
cblr-1739	642	49	and	and	CCONJ
cblr-1739	642	50	services.175	services.175	PROPN
cblr-1739	642	51	critics	critic	NOUN
cblr-1739	642	52	challenge	challenge	VERB
cblr-1739	642	53	this	this	DET
cblr-1739	642	54	assumption	assumption	NOUN
cblr-1739	642	55	,	,	PUNCT
cblr-1739	642	56	arguing	argue	VERB
cblr-1739	642	57	that	that	SCONJ
cblr-1739	642	58	users	user	NOUN
cblr-1739	642	59	can	can	AUX
cblr-1739	642	60	not	not	PART
cblr-1739	642	61	reasonably	reasonably	ADV
cblr-1739	642	62	estimate	estimate	VERB
cblr-1739	642	63	their	their	PRON
cblr-1739	642	64	disutility	disutility	NOUN
cblr-1739	642	65	from	from	ADP
cblr-1739	642	66	the	the	DET
cblr-1739	642	67	tradeoff	tradeoff	NOUN
cblr-1739	642	68	and	and	CCONJ
cblr-1739	642	69	the	the	DET
cblr-1739	642	70	harm	harm	NOUN
cblr-1739	642	71	associated	associate	VERB
cblr-1739	642	72	with	with	ADP
cblr-1739	642	73	the	the	DET
cblr-1739	642	74	data	data	NOUN
cblr-1739	642	75	collection.176	collection.176	NOUN
cblr-1739	642	76	unlike	unlike	ADP
cblr-1739	642	77	a	a	DET
cblr-1739	642	78	common	common	ADJ
cblr-1739	642	79	retail	retail	ADJ
cblr-1739	642	80	transaction	transaction	NOUN
cblr-1739	642	81	,	,	PUNCT
cblr-1739	642	82	the	the	DET
cblr-1739	642	83	ongoing	ongoing	ADJ
cblr-1739	642	84	nature	nature	NOUN
cblr-1739	642	85	of	of	ADP
cblr-1739	642	86	the	the	DET
cblr-1739	642	87	“	"	PUNCT
cblr-1739	642	88	payment	payment	NOUN
cblr-1739	642	89	”	"	PUNCT
cblr-1739	642	90	(	(	PUNCT
cblr-1739	642	91	i.e.	i.e.	X
cblr-1739	642	92	,	,	PUNCT
cblr-1739	642	93	data	data	NOUN
cblr-1739	642	94	collection	collection	NOUN
cblr-1739	642	95	)	)	PUNCT
cblr-1739	642	96	that	that	PRON
cblr-1739	642	97	is	be	AUX
cblr-1739	642	98	not	not	PART
cblr-1739	642	99	completed	complete	VERB
cblr-1739	642	100	at	at	ADP
cblr-1739	642	101	the	the	DET
cblr-1739	642	102	point	point	NOUN
cblr-1739	642	103	of	of	ADP
cblr-1739	642	104	purchase	purchase	NOUN
cblr-1739	642	105	173	173	NUM
cblr-1739	642	106	at	at	ADP
cblr-1739	642	107	some	some	DET
cblr-1739	642	108	point	point	NOUN
cblr-1739	642	109	lenddo	lenddo	NOUN
cblr-1739	642	110	,	,	PUNCT
cblr-1739	642	111	for	for	ADP
cblr-1739	642	112	example	example	NOUN
cblr-1739	642	113	,	,	PUNCT
cblr-1739	642	114	checked	check	VERB
cblr-1739	642	115	messages	message	NOUN
cblr-1739	642	116	for	for	ADP
cblr-1739	642	117	shared	share	VERB
cblr-1739	642	118	slang	slang	PROPN
cblr-1739	642	119	or	or	CCONJ
cblr-1739	642	120	wording	wording	NOUN
cblr-1739	642	121	that	that	PRON
cblr-1739	642	122	suggests	suggest	VERB
cblr-1739	642	123	affinity	affinity	NOUN
cblr-1739	642	124	.	.	PUNCT
cblr-1739	643	1	see	see	VERB
cblr-1739	643	2	stat	stat	PROPN
cblr-1739	643	3	oil	oil	PROPN
cblr-1739	643	4	,	,	PUNCT
cblr-1739	643	5	economist	economist	NOUN
cblr-1739	643	6	(	(	PUNCT
cblr-1739	643	7	feb	feb	PROPN
cblr-1739	643	8	.	.	PROPN
cblr-1739	643	9	9	9	NUM
cblr-1739	643	10	,	,	PUNCT
cblr-1739	643	11	2013	2013	NUM
cblr-1739	643	12	)	)	PUNCT
cblr-1739	643	13	,	,	PUNCT
cblr-1739	643	14	http://www.economist.com/news/finance-and-economics/21571468lenders-are-turning-social-media-assess-borrowers-stat-oil	http://www.economist.com/news/finance-and-economics/21571468lenders-are-turning-social-media-assess-borrowers-stat-oil	PROPN
cblr-1739	644	1	[	[	X
cblr-1739	644	2	http://	http://	PROPN
cblr-1739	644	3	perma.cc/5flk-kyg5	perma.cc/5flk-kyg5	PROPN
cblr-1739	644	4	]	]	PUNCT
cblr-1739	644	5	.	.	PUNCT
cblr-1739	645	1	174	174	NUM
cblr-1739	645	2	katherine	katherine	PROPN
cblr-1739	645	3	j.	j.	PROPN
cblr-1739	645	4	strandburg	strandburg	PROPN
cblr-1739	645	5	,	,	PUNCT
cblr-1739	645	6	free	free	ADJ
cblr-1739	645	7	fall	fall	NOUN
cblr-1739	645	8	:	:	PUNCT
cblr-1739	645	9	the	the	DET
cblr-1739	645	10	online	online	ADJ
cblr-1739	645	11	market	market	NOUN
cblr-1739	645	12	’s	’s	PART
cblr-1739	645	13	consumer	consumer	NOUN
cblr-1739	645	14	preference	preference	NOUN
cblr-1739	645	15	disconnect	disconnect	PROPN
cblr-1739	645	16	,	,	PUNCT
cblr-1739	645	17	2013	2013	NUM
cblr-1739	645	18	u.	u.	PROPN
cblr-1739	645	19	chi	chi	PROPN
cblr-1739	645	20	.	.	PUNCT
cblr-1739	646	1	legal	legal	ADJ
cblr-1739	646	2	f.	f.	PROPN
cblr-1739	646	3	95	95	NUM
cblr-1739	646	4	,	,	PUNCT
cblr-1739	646	5	100	100	NUM
cblr-1739	646	6	(	(	PUNCT
cblr-1739	646	7	2013	2013	NUM
cblr-1739	646	8	)	)	PUNCT
cblr-1739	646	9	.	.	PUNCT
cblr-1739	647	1	175	175	NUM
cblr-1739	648	1	i	i	PRON
cblr-1739	648	2	d.	d.	PROPN
cblr-1739	648	3	at	at	ADP
cblr-1739	648	4	106	106	NUM
cblr-1739	648	5	.	.	PUNCT
cblr-1739	649	1	176	176	NUM
cblr-1739	650	1	i	i	PRON
cblr-1739	650	2	d.	d.	VERB
cblr-1739	650	3	at	at	ADP
cblr-1739	650	4	107	107	NUM
cblr-1739	650	5	.	.	PUNCT
cblr-1739	651	1	geslevich	geslevich	PROPN
cblr-1739	651	2	packin	packin	PROPN
cblr-1739	651	3	&	&	CCONJ
cblr-1739	651	4	lev	lev	PROPN
cblr-1739	651	5	-	-	PUNCT
cblr-1739	651	6	aretz	aretz	PROPN
cblr-1739	651	7	–	–	PUNCT
cblr-1739	651	8	final	final	ADJ
cblr-1739	651	9	384	384	NUM
cblr-1739	651	10	columbia	columbia	PROPN
cblr-1739	651	11	business	business	NOUN
cblr-1739	651	12	law	law	PROPN
cblr-1739	651	13	review	review	NOUN
cblr-1739	652	1	[	[	X
cblr-1739	652	2	vol	vol	NOUN
cblr-1739	652	3	.	.	PUNCT
cblr-1739	652	4	2016	2016	NUM
cblr-1739	652	5	further	far	ADV
cblr-1739	652	6	obstructs	obstruct	VERB
cblr-1739	652	7	users	user	NOUN
cblr-1739	652	8	’	'	PUNCT
cblr-1739	652	9	ability	ability	NOUN
cblr-1739	652	10	to	to	PART
cblr-1739	652	11	appreciate	appreciate	VERB
cblr-1739	652	12	the	the	DET
cblr-1739	652	13	privacy	privacy	NOUN
cblr-1739	652	14	harm.177	harm.177	NOUN
cblr-1739	652	15	while	while	SCONJ
cblr-1739	652	16	those	those	DET
cblr-1739	652	17	arguments	argument	NOUN
cblr-1739	652	18	have	have	VERB
cblr-1739	652	19	some	some	DET
cblr-1739	652	20	merit	merit	NOUN
cblr-1739	652	21	in	in	ADP
cblr-1739	652	22	the	the	DET
cblr-1739	652	23	behavioral	behavioral	ADJ
cblr-1739	652	24	advertising	advertising	NOUN
cblr-1739	652	25	context	context	NOUN
cblr-1739	652	26	,	,	PUNCT
cblr-1739	652	27	they	they	PRON
cblr-1739	652	28	lose	lose	VERB
cblr-1739	652	29	much	much	ADJ
cblr-1739	652	30	of	of	ADP
cblr-1739	652	31	it	it	PRON
cblr-1739	652	32	when	when	SCONJ
cblr-1739	652	33	applied	apply	VERB
cblr-1739	652	34	to	to	ADP
cblr-1739	652	35	data	data	NOUN
cblr-1739	652	36	collection	collection	NOUN
cblr-1739	652	37	by	by	ADP
cblr-1739	652	38	social	social	ADJ
cblr-1739	652	39	credit	credit	NOUN
cblr-1739	652	40	services	service	NOUN
cblr-1739	652	41	.	.	PUNCT
cblr-1739	653	1	the	the	DET
cblr-1739	653	2	social	social	ADJ
cblr-1739	653	3	credit	credit	NOUN
cblr-1739	653	4	framework	framework	NOUN
cblr-1739	653	5	is	be	AUX
cblr-1739	653	6	predicated	predicate	VERB
cblr-1739	653	7	on	on	ADP
cblr-1739	653	8	a	a	DET
cblr-1739	653	9	different	different	ADJ
cblr-1739	653	10	kind	kind	NOUN
cblr-1739	653	11	of	of	ADP
cblr-1739	653	12	information	information	NOUN
cblr-1739	653	13	sharing	sharing	NOUN
cblr-1739	653	14	:	:	PUNCT
cblr-1739	653	15	to	to	PART
cblr-1739	653	16	be	be	AUX
cblr-1739	653	17	considered	consider	VERB
cblr-1739	653	18	for	for	ADP
cblr-1739	653	19	a	a	DET
cblr-1739	653	20	loan	loan	NOUN
cblr-1739	653	21	,	,	PUNCT
cblr-1739	653	22	a	a	DET
cblr-1739	653	23	candidate	candidate	NOUN
cblr-1739	653	24	must	must	AUX
cblr-1739	653	25	interact	interact	VERB
cblr-1739	653	26	closely	closely	ADV
cblr-1739	653	27	with	with	ADP
cblr-1739	653	28	the	the	DET
cblr-1739	653	29	service	service	NOUN
cblr-1739	653	30	,	,	PUNCT
cblr-1739	653	31	fill	fill	VERB
cblr-1739	653	32	out	out	ADP
cblr-1739	653	33	an	an	DET
cblr-1739	653	34	application	application	NOUN
cblr-1739	653	35	,	,	PUNCT
cblr-1739	653	36	browse	browse	VERB
cblr-1739	653	37	through	through	ADP
cblr-1739	653	38	the	the	DET
cblr-1739	653	39	app	app	NOUN
cblr-1739	653	40	or	or	CCONJ
cblr-1739	653	41	webpage	webpage	NOUN
cblr-1739	653	42	to	to	PART
cblr-1739	653	43	learn	learn	VERB
cblr-1739	653	44	about	about	ADP
cblr-1739	653	45	the	the	DET
cblr-1739	653	46	various	various	ADJ
cblr-1739	653	47	products	product	NOUN
cblr-1739	653	48	,	,	PUNCT
cblr-1739	653	49	and	and	CCONJ
cblr-1739	653	50	then	then	ADV
cblr-1739	653	51	select	select	VERB
cblr-1739	653	52	those	those	PRON
cblr-1739	653	53	suitable	suitable	ADJ
cblr-1739	653	54	for	for	ADP
cblr-1739	653	55	her	her	PRON
cblr-1739	653	56	needs	need	NOUN
cblr-1739	653	57	.	.	PUNCT
cblr-1739	654	1	as	as	SCONJ
cblr-1739	654	2	opposed	oppose	VERB
cblr-1739	654	3	to	to	ADP
cblr-1739	654	4	the	the	DET
cblr-1739	654	5	passive	passive	ADJ
cblr-1739	654	6	,	,	PUNCT
cblr-1739	654	7	often	often	ADV
cblr-1739	654	8	oblivious	oblivious	ADJ
cblr-1739	654	9	sharing	sharing	NOUN
cblr-1739	654	10	of	of	ADP
cblr-1739	654	11	information	information	NOUN
cblr-1739	654	12	presented	present	VERB
cblr-1739	654	13	by	by	ADP
cblr-1739	654	14	the	the	DET
cblr-1739	654	15	behavioral	behavioral	ADJ
cblr-1739	654	16	advertising	advertising	NOUN
cblr-1739	654	17	business	business	NOUN
cblr-1739	654	18	model	model	NOUN
cblr-1739	654	19	,	,	PUNCT
cblr-1739	654	20	applicants	applicant	NOUN
cblr-1739	654	21	for	for	ADP
cblr-1739	654	22	social	social	ADJ
cblr-1739	654	23	credit	credit	NOUN
cblr-1739	654	24	-	-	PUNCT
cblr-1739	654	25	based	base	VERB
cblr-1739	654	26	loans	loan	NOUN
cblr-1739	654	27	engage	engage	VERB
cblr-1739	654	28	in	in	ADP
cblr-1739	654	29	an	an	DET
cblr-1739	654	30	active	active	ADJ
cblr-1739	654	31	,	,	PUNCT
cblr-1739	654	32	voluntary	voluntary	ADJ
cblr-1739	654	33	,	,	PUNCT
cblr-1739	654	34	and	and	CCONJ
cblr-1739	654	35	better	well	ADV
cblr-1739	654	36	-	-	PUNCT
cblr-1739	654	37	informed	inform	VERB
cblr-1739	654	38	sharing	sharing	NOUN
cblr-1739	654	39	of	of	ADP
cblr-1739	654	40	personal	personal	ADJ
cblr-1739	654	41	details	detail	NOUN
cblr-1739	654	42	.	.	PUNCT
cblr-1739	655	1	from	from	ADP
cblr-1739	655	2	a	a	DET
cblr-1739	655	3	user	user	NOUN
cblr-1739	655	4	’s	’s	PART
cblr-1739	655	5	perspective	perspective	NOUN
cblr-1739	655	6	,	,	PUNCT
cblr-1739	655	7	this	this	DET
cblr-1739	655	8	information	information	NOUN
cblr-1739	655	9	is	be	AUX
cblr-1739	655	10	shared	share	VERB
cblr-1739	655	11	and	and	CCONJ
cblr-1739	655	12	the	the	DET
cblr-1739	655	13	subsequent	subsequent	ADJ
cblr-1739	655	14	surveillance	surveillance	NOUN
cblr-1739	655	15	is	be	AUX
cblr-1739	655	16	agreed	agree	VERB
cblr-1739	655	17	to	to	ADP
cblr-1739	655	18	at	at	ADP
cblr-1739	655	19	low	low	ADJ
cblr-1739	655	20	or	or	CCONJ
cblr-1739	655	21	no	no	DET
cblr-1739	655	22	apparent	apparent	ADJ
cblr-1739	655	23	cost	cost	NOUN
cblr-1739	655	24	for	for	ADP
cblr-1739	655	25	a	a	DET
cblr-1739	655	26	clear	clear	ADJ
cblr-1739	655	27	economic	economic	ADJ
cblr-1739	655	28	reward	reward	NOUN
cblr-1739	655	29	.	.	PUNCT
cblr-1739	656	1	businesses	business	NOUN
cblr-1739	656	2	built	build	VERB
cblr-1739	656	3	around	around	ADP
cblr-1739	656	4	consensual	consensual	ADJ
cblr-1739	656	5	disclosure	disclosure	NOUN
cblr-1739	656	6	of	of	ADP
cblr-1739	656	7	previously	previously	ADV
cblr-1739	656	8	unavailable	unavailable	ADJ
cblr-1739	656	9	information	information	NOUN
cblr-1739	656	10	in	in	ADP
cblr-1739	656	11	return	return	NOUN
cblr-1739	656	12	for	for	ADP
cblr-1739	656	13	a	a	DET
cblr-1739	656	14	discount	discount	NOUN
cblr-1739	656	15	or	or	CCONJ
cblr-1739	656	16	other	other	ADJ
cblr-1739	656	17	financial	financial	ADJ
cblr-1739	656	18	incentive	incentive	NOUN
cblr-1739	656	19	exist	exist	VERB
cblr-1739	656	20	and	and	CCONJ
cblr-1739	656	21	flourish	flourish	VERB
cblr-1739	656	22	in	in	ADP
cblr-1739	656	23	other	other	ADJ
cblr-1739	656	24	markets	market	NOUN
cblr-1739	656	25	as	as	ADV
cblr-1739	656	26	well	well	ADV
cblr-1739	656	27	.	.	PUNCT
cblr-1739	657	1	an	an	DET
cblr-1739	657	2	example	example	NOUN
cblr-1739	657	3	of	of	ADP
cblr-1739	657	4	this	this	DET
cblr-1739	657	5	model	model	NOUN
cblr-1739	657	6	is	be	AUX
cblr-1739	657	7	progressive	progressive	ADJ
cblr-1739	657	8	snapshot.178	snapshot.178	ADP
cblr-1739	657	9	the	the	DET
cblr-1739	657	10	insurance	insurance	NOUN
cblr-1739	657	11	company	company	NOUN
cblr-1739	657	12	progressive	progressive	ADJ
cblr-1739	657	13	corporation	corporation	NOUN
cblr-1739	657	14	has	have	AUX
cblr-1739	657	15	gone	go	VERB
cblr-1739	657	16	beyond	beyond	ADP
cblr-1739	657	17	calculating	calculate	VERB
cblr-1739	657	18	risk	risk	NOUN
cblr-1739	657	19	based	base	VERB
cblr-1739	657	20	on	on	ADP
cblr-1739	657	21	one	one	NUM
cblr-1739	657	22	’s	’s	PART
cblr-1739	657	23	accident	accident	NOUN
cblr-1739	657	24	record	record	NOUN
cblr-1739	657	25	and	and	CCONJ
cblr-1739	657	26	created	create	VERB
cblr-1739	657	27	a	a	DET
cblr-1739	657	28	voluntary	voluntary	ADJ
cblr-1739	657	29	driver	driver	NOUN
cblr-1739	657	30	-	-	PUNCT
cblr-1739	657	31	monitoring	monitor	VERB
cblr-1739	657	32	program	program	NOUN
cblr-1739	657	33	called	call	VERB
cblr-1739	657	34	snapshot	snapshot	NOUN
cblr-1739	657	35	.	.	PUNCT
cblr-1739	658	1	consumers	consumer	NOUN
cblr-1739	658	2	who	who	PRON
cblr-1739	658	3	choose	choose	VERB
cblr-1739	658	4	to	to	PART
cblr-1739	658	5	enroll	enroll	VERB
cblr-1739	658	6	receive	receive	VERB
cblr-1739	658	7	a	a	DET
cblr-1739	658	8	personalized	personalized	ADJ
cblr-1739	658	9	insurance	insurance	NOUN
cblr-1739	658	10	rate	rate	NOUN
cblr-1739	658	11	from	from	ADP
cblr-1739	658	12	progressive	progressive	ADJ
cblr-1739	658	13	based	base	VERB
cblr-1739	658	14	on	on	ADP
cblr-1739	658	15	their	their	PRON
cblr-1739	658	16	safe	safe	ADJ
cblr-1739	658	17	driving	driving	NOUN
cblr-1739	658	18	habits	habit	NOUN
cblr-1739	658	19	as	as	SCONJ
cblr-1739	658	20	recorded	record	VERB
cblr-1739	658	21	by	by	ADP
cblr-1739	658	22	a	a	DET
cblr-1739	658	23	small	small	ADJ
cblr-1739	658	24	box	box	NOUN
cblr-1739	658	25	plugged	plug	VERB
cblr-1739	658	26	into	into	ADP
cblr-1739	658	27	their	their	PRON
cblr-1739	658	28	vehicle.179	vehicle.179	NOUN
cblr-1739	658	29	data	datum	NOUN
cblr-1739	658	30	about	about	ADP
cblr-1739	658	31	a	a	DET
cblr-1739	658	32	driver	driver	NOUN
cblr-1739	658	33	’s	’s	PART
cblr-1739	658	34	mileage	mileage	NOUN
cblr-1739	658	35	,	,	PUNCT
cblr-1739	658	36	vehicle	vehicle	NOUN
cblr-1739	658	37	speed	speed	NOUN
cblr-1739	658	38	,	,	PUNCT
cblr-1739	658	39	timing	timing	NOUN
cblr-1739	658	40	of	of	ADP
cblr-1739	658	41	driving	driving	NOUN
cblr-1739	658	42	(	(	PUNCT
cblr-1739	658	43	day	day	NOUN
cblr-1739	658	44	or	or	CCONJ
cblr-1739	658	45	night	night	NOUN
cblr-1739	658	46	)	)	PUNCT
cblr-1739	658	47	,	,	PUNCT
cblr-1739	658	48	and	and	CCONJ
cblr-1739	658	49	frequency	frequency	NOUN
cblr-1739	658	50	of	of	ADP
cblr-1739	658	51	hard	hard	ADJ
cblr-1739	658	52	braking	braking	NOUN
cblr-1739	658	53	is	be	AUX
cblr-1739	658	54	amassed	amass	VERB
cblr-1739	658	55	and	and	CCONJ
cblr-1739	658	56	analyzed	analyze	VERB
cblr-1739	658	57	to	to	PART
cblr-1739	658	58	establish	establish	VERB
cblr-1739	658	59	one	one	NUM
cblr-1739	658	60	’s	’s	PART
cblr-1739	658	61	driving	drive	VERB
cblr-1739	658	62	patterns	pattern	NOUN
cblr-1739	658	63	and	and	CCONJ
cblr-1739	658	64	accordingly	accordingly	ADV
cblr-1739	658	65	estimate	estimate	VERB
cblr-1739	658	66	the	the	DET
cblr-1739	658	67	risk	risk	NOUN
cblr-1739	658	68	posed	pose	VERB
cblr-1739	658	69	to	to	ADP
cblr-1739	658	70	177	177	NUM
cblr-1739	658	71	i	i	PRON
cblr-1739	658	72	d.	d.	PROPN
cblr-1739	658	73	at	at	ADP
cblr-1739	658	74	130–31	130–31	NUM
cblr-1739	658	75	.	.	PUNCT
cblr-1739	658	76	178	178	NUM
cblr-1739	658	77	see	see	VERB
cblr-1739	658	78	progressive	progressive	ADJ
cblr-1739	658	79	,	,	PUNCT
cblr-1739	658	80	https://www.progressive.com/auto/snapshot/	https://www.progressive.com/auto/snapshot/	PROPN
cblr-1739	659	1	[	[	X
cblr-1739	659	2	http://perma.cc/r63q-23ad	http://perma.cc/r63q-23ad	ADJ
cblr-1739	659	3	]	]	X
cblr-1739	659	4	.	.	PUNCT
cblr-1739	660	1	179	179	NUM
cblr-1739	660	2	see	see	VERB
cblr-1739	660	3	snapshot	snapshot	NOUN
cblr-1739	660	4	terms	term	NOUN
cblr-1739	660	5	and	and	CCONJ
cblr-1739	660	6	conditions	condition	NOUN
cblr-1739	660	7	,	,	PUNCT
cblr-1739	660	8	progressive	progressive	ADJ
cblr-1739	660	9	,	,	PUNCT
cblr-1739	660	10	https://www	https://www	PROPN
cblr-1739	660	11	.	.	PUNCT
cblr-1739	661	1	progressive.com/auto/snapshot-terms-conditions/	progressive.com/auto/snapshot-terms-conditions/	NOUN
cblr-1739	662	1	[	[	X
cblr-1739	662	2	http://perma.cc/h4vzsm68	http://perma.cc/h4vzsm68	X
cblr-1739	662	3	]	]	PUNCT
cblr-1739	662	4	.	.	PUNCT
cblr-1739	663	1	geslevich	geslevich	PROPN
cblr-1739	663	2	packin	packin	PROPN
cblr-1739	663	3	&	&	CCONJ
cblr-1739	663	4	lev	lev	PROPN
cblr-1739	663	5	-	-	PUNCT
cblr-1739	663	6	aretz	aretz	PROPN
cblr-1739	663	7	–	–	PUNCT
cblr-1739	663	8	final	final	ADJ
cblr-1739	663	9	no	no	NOUN
cblr-1739	663	10	.	.	PUNCT
cblr-1739	664	1	2:339	2:339	NUM
cblr-1739	664	2	]	]	X
cblr-1739	664	3	on	on	ADP
cblr-1739	664	4	social	social	ADJ
cblr-1739	664	5	credit	credit	NOUN
cblr-1739	664	6	385	385	NUM
cblr-1739	664	7	the	the	DET
cblr-1739	664	8	insurance	insurance	NOUN
cblr-1739	664	9	company.180	company.180	VERB
cblr-1739	664	10	additional	additional	ADJ
cblr-1739	664	11	data	datum	NOUN
cblr-1739	664	12	such	such	ADJ
cblr-1739	664	13	as	as	ADP
cblr-1739	664	14	record	record	NOUN
cblr-1739	664	15	location	location	NOUN
cblr-1739	664	16	information	information	NOUN
cblr-1739	664	17	is	be	AUX
cblr-1739	664	18	collected	collect	VERB
cblr-1739	664	19	in	in	ADP
cblr-1739	664	20	some	some	DET
cblr-1739	664	21	devices	device	NOUN
cblr-1739	664	22	for	for	ADP
cblr-1739	664	23	research	research	NOUN
cblr-1739	664	24	and	and	CCONJ
cblr-1739	664	25	development	development	NOUN
cblr-1739	664	26	purposes	purpose	NOUN
cblr-1739	664	27	,	,	PUNCT
cblr-1739	664	28	and	and	CCONJ
cblr-1739	664	29	progressive	progressive	ADJ
cblr-1739	664	30	states	state	NOUN
cblr-1739	664	31	that	that	SCONJ
cblr-1739	664	32	it	it	PRON
cblr-1739	664	33	would	would	AUX
cblr-1739	664	34	retain	retain	VERB
cblr-1739	664	35	information	information	NOUN
cblr-1739	664	36	collected	collect	VERB
cblr-1739	664	37	or	or	CCONJ
cblr-1739	664	38	derived	derive	VERB
cblr-1739	664	39	from	from	ADP
cblr-1739	664	40	the	the	DET
cblr-1739	664	41	device	device	NOUN
cblr-1739	664	42	indefinitely.181	indefinitely.181	NOUN
cblr-1739	664	43	the	the	DET
cblr-1739	664	44	snapshot	snapshot	PROPN
cblr-1739	664	45	program	program	NOUN
cblr-1739	664	46	seems	seem	VERB
cblr-1739	664	47	to	to	PART
cblr-1739	664	48	have	have	AUX
cblr-1739	664	49	gained	gain	VERB
cblr-1739	664	50	traction	traction	NOUN
cblr-1739	664	51	,	,	PUNCT
cblr-1739	664	52	with	with	ADP
cblr-1739	664	53	more	more	ADJ
cblr-1739	664	54	than	than	ADP
cblr-1739	664	55	2.5	2.5	NUM
cblr-1739	664	56	million	million	NUM
cblr-1739	664	57	enrolled	enrol	VERB
cblr-1739	664	58	drivers	driver	NOUN
cblr-1739	664	59	that	that	PRON
cblr-1739	664	60	share	share	VERB
cblr-1739	664	61	information	information	NOUN
cblr-1739	664	62	about	about	ADP
cblr-1739	664	63	their	their	PRON
cblr-1739	664	64	habits	habit	NOUN
cblr-1739	664	65	to	to	PART
cblr-1739	664	66	get	get	VERB
cblr-1739	664	67	better	well	ADJ
cblr-1739	664	68	premium	premium	NOUN
cblr-1739	664	69	rates.182	rates.182	NOUN
cblr-1739	664	70	authorizing	authorize	VERB
cblr-1739	664	71	collection	collection	NOUN
cblr-1739	664	72	and	and	CCONJ
cblr-1739	664	73	use	use	NOUN
cblr-1739	664	74	of	of	ADP
cblr-1739	664	75	personal	personal	ADJ
cblr-1739	664	76	information	information	NOUN
cblr-1739	664	77	in	in	ADP
cblr-1739	664	78	exchange	exchange	NOUN
cblr-1739	664	79	for	for	ADP
cblr-1739	664	80	an	an	DET
cblr-1739	664	81	economic	economic	ADJ
cblr-1739	664	82	benefit	benefit	NOUN
cblr-1739	664	83	makes	make	VERB
cblr-1739	664	84	perfect	perfect	ADJ
cblr-1739	664	85	economic	economic	ADJ
cblr-1739	664	86	sense	sense	NOUN
cblr-1739	664	87	to	to	ADP
cblr-1739	664	88	some	some	DET
cblr-1739	664	89	consumers.183	consumers.183	ADJ
cblr-1739	664	90	as	as	SCONJ
cblr-1739	664	91	those	those	DET
cblr-1739	664	92	exchanges	exchange	NOUN
cblr-1739	664	93	materialize	materialize	VERB
cblr-1739	664	94	in	in	ADP
cblr-1739	664	95	various	various	ADJ
cblr-1739	664	96	markets	market	NOUN
cblr-1739	664	97	,	,	PUNCT
cblr-1739	664	98	they	they	PRON
cblr-1739	664	99	appeal	appeal	VERB
cblr-1739	664	100	to	to	ADP
cblr-1739	664	101	a	a	DET
cblr-1739	664	102	wide	wide	ADJ
cblr-1739	664	103	range	range	NOUN
cblr-1739	664	104	of	of	ADP
cblr-1739	664	105	consumers	consumer	NOUN
cblr-1739	664	106	with	with	ADP
cblr-1739	664	107	different	different	ADJ
cblr-1739	664	108	sets	set	NOUN
cblr-1739	664	109	of	of	ADP
cblr-1739	664	110	preferences	preference	NOUN
cblr-1739	664	111	.	.	PUNCT
cblr-1739	665	1	a	a	DET
cblr-1739	665	2	study	study	NOUN
cblr-1739	665	3	by	by	ADP
cblr-1739	665	4	the	the	DET
cblr-1739	665	5	european	european	PROPN
cblr-1739	665	6	network	network	PROPN
cblr-1739	665	7	and	and	CCONJ
cblr-1739	665	8	information	information	NOUN
cblr-1739	665	9	security	security	NOUN
cblr-1739	665	10	agency	agency	NOUN
cblr-1739	665	11	found	find	VERB
cblr-1739	665	12	that	that	SCONJ
cblr-1739	665	13	,	,	PUNCT
cblr-1739	665	14	when	when	SCONJ
cblr-1739	665	15	given	give	VERB
cblr-1739	665	16	a	a	DET
cblr-1739	665	17	choice	choice	NOUN
cblr-1739	665	18	,	,	PUNCT
cblr-1739	665	19	the	the	DET
cblr-1739	665	20	majority	majority	NOUN
cblr-1739	665	21	of	of	ADP
cblr-1739	665	22	consumers	consumer	NOUN
cblr-1739	665	23	would	would	AUX
cblr-1739	665	24	prefer	prefer	VERB
cblr-1739	665	25	buying	buying	NOUN
cblr-1739	665	26	from	from	ADP
cblr-1739	665	27	a	a	DET
cblr-1739	665	28	more	more	ADJ
cblr-1739	665	29	privacy	privacy	NOUN
cblr-1739	665	30	-	-	PUNCT
cblr-1739	665	31	invasive	invasive	ADJ
cblr-1739	665	32	provider	provider	NOUN
cblr-1739	665	33	if	if	SCONJ
cblr-1739	665	34	they	they	PRON
cblr-1739	665	35	charged	charge	VERB
cblr-1739	665	36	a	a	DET
cblr-1739	665	37	lower	low	ADJ
cblr-1739	665	38	price.184	price.184	NOUN
cblr-1739	665	39	against	against	ADP
cblr-1739	665	40	this	this	DET
cblr-1739	665	41	backdrop	backdrop	NOUN
cblr-1739	665	42	,	,	PUNCT
cblr-1739	665	43	we	we	PRON
cblr-1739	665	44	argue	argue	VERB
cblr-1739	665	45	that	that	SCONJ
cblr-1739	665	46	the	the	DET
cblr-1739	665	47	challenge	challenge	NOUN
cblr-1739	665	48	lies	lie	VERB
cblr-1739	665	49	not	not	PART
cblr-1739	665	50	in	in	ADP
cblr-1739	665	51	the	the	DET
cblr-1739	665	52	direct	direct	ADJ
cblr-1739	665	53	interaction	interaction	NOUN
cblr-1739	665	54	between	between	ADP
cblr-1739	665	55	the	the	DET
cblr-1739	665	56	social	social	ADJ
cblr-1739	665	57	credit	credit	NOUN
cblr-1739	665	58	providers	provider	NOUN
cblr-1739	665	59	and	and	CCONJ
cblr-1739	665	60	loan	loan	NOUN
cblr-1739	665	61	seekers	seeker	NOUN
cblr-1739	665	62	because	because	SCONJ
cblr-1739	665	63	this	this	DET
cblr-1739	665	64	interaction	interaction	NOUN
cblr-1739	665	65	can	can	AUX
cblr-1739	665	66	be	be	AUX
cblr-1739	665	67	justified	justify	VERB
cblr-1739	665	68	on	on	ADP
cblr-1739	665	69	freedom	freedom	NOUN
cblr-1739	665	70	of	of	ADP
cblr-1739	665	71	contracts	contract	NOUN
cblr-1739	665	72	grounds	ground	NOUN
cblr-1739	665	73	.	.	PUNCT
cblr-1739	666	1	180	180	NUM
cblr-1739	666	2	i	i	NOUN
cblr-1739	666	3	d.	d.	PROPN
cblr-1739	666	4	181	181	NUM
cblr-1739	667	1	i	i	PRON
cblr-1739	667	2	d.	d.	PROPN
cblr-1739	667	3	182	182	NUM
cblr-1739	667	4	see	see	VERB
cblr-1739	667	5	press	press	NOUN
cblr-1739	667	6	release	release	NOUN
cblr-1739	667	7	,	,	PUNCT
cblr-1739	667	8	progressive	progressive	ADJ
cblr-1739	667	9	,	,	PUNCT
cblr-1739	667	10	safer	safe	ADJ
cblr-1739	667	11	drivers	driver	NOUN
cblr-1739	667	12	pay	pay	VERB
cblr-1739	667	13	less	less	ADJ
cblr-1739	667	14	for	for	ADP
cblr-1739	667	15	car	car	NOUN
cblr-1739	667	16	insurance	insurance	NOUN
cblr-1739	667	17	with	with	ADP
cblr-1739	667	18	snapshot	snapshot	ADJ
cblr-1739	667	19	pay	pay	NOUN
cblr-1739	667	20	as	as	SCONJ
cblr-1739	667	21	you	you	PRON
cblr-1739	667	22	drive	drive	VERB
cblr-1739	667	23	insurance	insurance	NOUN
cblr-1739	667	24	program	program	NOUN
cblr-1739	667	25	from	from	ADP
cblr-1739	667	26	progressive	progressive	ADJ
cblr-1739	667	27	(	(	PUNCT
cblr-1739	667	28	may	may	PROPN
cblr-1739	667	29	20	20	NUM
cblr-1739	667	30	,	,	PUNCT
cblr-1739	667	31	2015	2015	NUM
cblr-1739	667	32	)	)	PUNCT
cblr-1739	667	33	,	,	PUNCT
cblr-1739	667	34	http://www.marketwatch.com/story/saferdrivers-pay-less-for-car-insurance-with-snapshot-pay-as-you-drive-insur	http://www.marketwatch.com/story/saferdrivers-pay-less-for-car-insurance-with-snapshot-pay-as-you-drive-insur	PROPN
cblr-1739	667	35	ance	ance	NOUN
cblr-1739	667	36	-	-	PUNCT
cblr-1739	667	37	program	program	NOUN
cblr-1739	667	38	-	-	PUNCT
cblr-1739	667	39	from	from	ADP
cblr-1739	667	40	-	-	PUNCT
cblr-1739	667	41	progressive-2015	progressive-2015	NOUN
cblr-1739	667	42	-	-	PUNCT
cblr-1739	667	43	05	05	NUM
cblr-1739	667	44	-	-	SYM
cblr-1739	667	45	20	20	NUM
cblr-1739	668	1	[	[	X
cblr-1739	668	2	http://perma.cc/7lp5-5asv	http://perma.cc/7lp5-5asv	X
cblr-1739	668	3	]	]	X
cblr-1739	668	4	.	.	PUNCT
cblr-1739	669	1	183	183	NUM
cblr-1739	669	2	peppet	peppet	NOUN
cblr-1739	669	3	,	,	PUNCT
cblr-1739	669	4	supra	supra	PROPN
cblr-1739	669	5	note	note	PROPN
cblr-1739	669	6	17	17	NUM
cblr-1739	669	7	,	,	PUNCT
cblr-1739	669	8	at	at	ADP
cblr-1739	669	9	1157	1157	NUM
cblr-1739	669	10	(	(	PUNCT
cblr-1739	669	11	“	"	PUNCT
cblr-1739	669	12	even	even	ADV
cblr-1739	669	13	with	with	ADP
cblr-1739	669	14	control	control	NOUN
cblr-1739	669	15	over	over	ADP
cblr-1739	669	16	her	her	PRON
cblr-1739	669	17	personal	personal	ADJ
cblr-1739	669	18	information	information	NOUN
cblr-1739	669	19	,	,	PUNCT
cblr-1739	669	20	he	he	PRON
cblr-1739	669	21	argued	argue	VERB
cblr-1739	669	22	,	,	PUNCT
cblr-1739	669	23	an	an	DET
cblr-1739	669	24	individual	individual	NOUN
cblr-1739	669	25	will	will	AUX
cblr-1739	669	26	often	often	ADV
cblr-1739	669	27	find	find	VERB
cblr-1739	669	28	it	it	PRON
cblr-1739	669	29	in	in	ADP
cblr-1739	669	30	her	her	PRON
cblr-1739	669	31	selfinterest	selfinterest	NOUN
cblr-1739	669	32	to	to	PART
cblr-1739	669	33	disclose	disclose	VERB
cblr-1739	669	34	such	such	ADJ
cblr-1739	669	35	information	information	NOUN
cblr-1739	669	36	to	to	ADP
cblr-1739	669	37	others	other	NOUN
cblr-1739	669	38	for	for	ADP
cblr-1739	669	39	economic	economic	ADJ
cblr-1739	669	40	gain	gain	NOUN
cblr-1739	669	41	.	.	PUNCT
cblr-1739	670	1	if	if	SCONJ
cblr-1739	670	2	she	she	PRON
cblr-1739	670	3	can	can	AUX
cblr-1739	670	4	credibly	credibly	ADV
cblr-1739	670	5	signal	signal	VERB
cblr-1739	670	6	to	to	ADP
cblr-1739	670	7	a	a	DET
cblr-1739	670	8	health	health	NOUN
cblr-1739	670	9	insurer	insurer	NOUN
cblr-1739	670	10	that	that	SCONJ
cblr-1739	670	11	she	she	PRON
cblr-1739	670	12	does	do	AUX
cblr-1739	670	13	not	not	PART
cblr-1739	670	14	smoke	smoke	VERB
cblr-1739	670	15	,	,	PUNCT
cblr-1739	670	16	she	she	PRON
cblr-1739	670	17	will	will	AUX
cblr-1739	670	18	pay	pay	VERB
cblr-1739	670	19	lower	low	ADJ
cblr-1739	670	20	premiums	premium	NOUN
cblr-1739	670	21	.	.	PUNCT
cblr-1739	670	22	”	"	PUNCT
cblr-1739	670	23	)	)	PUNCT
cblr-1739	670	24	.	.	PUNCT
cblr-1739	671	1	184	184	NUM
cblr-1739	671	2	nicola	nicola	PROPN
cblr-1739	671	3	jentzsch	jentzsch	PROPN
cblr-1739	671	4	et	et	PROPN
cblr-1739	671	5	al	al	PROPN
cblr-1739	671	6	.	.	PROPN
cblr-1739	671	7	,	,	PUNCT
cblr-1739	671	8	eur	eur	PROPN
cblr-1739	671	9	.	.	PUNCT
cblr-1739	671	10	network	network	PROPN
cblr-1739	671	11	&	&	CCONJ
cblr-1739	671	12	info	info	PROPN
cblr-1739	671	13	.	.	PUNCT
cblr-1739	672	1	sec	sec	PROPN
cblr-1739	672	2	.	.	PROPN
cblr-1739	672	3	agency	agency	PROPN
cblr-1739	672	4	,	,	PUNCT
cblr-1739	672	5	study	study	NOUN
cblr-1739	672	6	on	on	ADP
cblr-1739	672	7	monetising	monetise	VERB
cblr-1739	672	8	privacy	privacy	NOUN
cblr-1739	672	9	:	:	PUNCT
cblr-1739	672	10	an	an	DET
cblr-1739	672	11	economic	economic	ADJ
cblr-1739	672	12	model	model	NOUN
cblr-1739	672	13	for	for	ADP
cblr-1739	672	14	pricing	price	VERB
cblr-1739	672	15	personal	personal	ADJ
cblr-1739	672	16	information	information	NOUN
cblr-1739	672	17	1	1	NUM
cblr-1739	672	18	(	(	PUNCT
cblr-1739	672	19	2012	2012	NUM
cblr-1739	672	20	)	)	PUNCT
cblr-1739	672	21	,	,	PUNCT
cblr-1739	672	22	https://www.enisa.europa.eu/activities/	https://www.enisa.europa.eu/activities/	NOUN
cblr-1739	672	23	identity	identity	NOUN
cblr-1739	672	24	-	-	PUNCT
cblr-1739	672	25	and	and	CCONJ
cblr-1739	672	26	-	-	PUNCT
cblr-1739	672	27	trust	trust	NOUN
cblr-1739	672	28	/	/	SYM
cblr-1739	672	29	library	library	NOUN
cblr-1739	672	30	/	/	SYM
cblr-1739	672	31	deliverables	deliverable	NOUN
cblr-1739	672	32	/	/	SYM
cblr-1739	672	33	monetising	monetising	NOUN
cblr-1739	672	34	-	-	PUNCT
cblr-1739	672	35	privacy	privacy	NOUN
cblr-1739	673	1	[	[	X
cblr-1739	673	2	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	673	3	v3lj-3424	v3lj-3424	PROPN
cblr-1739	673	4	]	]	PUNCT
cblr-1739	673	5	.	.	PUNCT
cblr-1739	674	1	geslevich	geslevich	PROPN
cblr-1739	674	2	packin	packin	PROPN
cblr-1739	674	3	&	&	CCONJ
cblr-1739	674	4	lev	lev	PROPN
cblr-1739	674	5	-	-	PUNCT
cblr-1739	674	6	aretz	aretz	PROPN
cblr-1739	674	7	–	–	PUNCT
cblr-1739	674	8	final	final	ADJ
cblr-1739	674	9	386	386	NUM
cblr-1739	674	10	columbia	columbia	PROPN
cblr-1739	674	11	business	business	NOUN
cblr-1739	674	12	law	law	NOUN
cblr-1739	674	13	review	review	NOUN
cblr-1739	675	1	[	[	X
cblr-1739	675	2	vol	vol	NOUN
cblr-1739	675	3	.	.	NOUN
cblr-1739	675	4	2016	2016	NUM
cblr-1739	675	5	b.	b.	PROPN
cblr-1739	675	6	derivative	derivative	ADJ
cblr-1739	675	7	privacy	privacy	NOUN
cblr-1739	675	8	effect	effect	NOUN
cblr-1739	675	9	instead	instead	ADV
cblr-1739	675	10	,	,	PUNCT
cblr-1739	675	11	we	we	PRON
cblr-1739	675	12	find	find	VERB
cblr-1739	675	13	the	the	DET
cblr-1739	675	14	troubling	troubling	ADJ
cblr-1739	675	15	privacy	privacy	NOUN
cblr-1739	675	16	challenge	challenge	NOUN
cblr-1739	675	17	transpires	transpire	NOUN
cblr-1739	675	18	at	at	ADP
cblr-1739	675	19	the	the	DET
cblr-1739	675	20	derivative	derivative	ADJ
cblr-1739	675	21	level	level	NOUN
cblr-1739	675	22	:	:	PUNCT
cblr-1739	675	23	those	those	PRON
cblr-1739	675	24	facing	face	VERB
cblr-1739	675	25	the	the	DET
cblr-1739	675	26	greatest	great	ADJ
cblr-1739	675	27	privacy	privacy	NOUN
cblr-1739	675	28	risk	risk	NOUN
cblr-1739	675	29	in	in	ADP
cblr-1739	675	30	the	the	DET
cblr-1739	675	31	wake	wake	NOUN
cblr-1739	675	32	of	of	ADP
cblr-1739	675	33	social	social	ADJ
cblr-1739	675	34	credit	credit	NOUN
cblr-1739	675	35	systems	system	NOUN
cblr-1739	675	36	are	be	AUX
cblr-1739	675	37	third	third	ADJ
cblr-1739	675	38	parties	party	NOUN
cblr-1739	675	39	,	,	PUNCT
cblr-1739	675	40	whose	whose	DET
cblr-1739	675	41	presence	presence	NOUN
cblr-1739	675	42	is	be	AUX
cblr-1739	675	43	intertwined	intertwine	VERB
cblr-1739	675	44	with	with	ADP
cblr-1739	675	45	the	the	DET
cblr-1739	675	46	loan	loan	NOUN
cblr-1739	675	47	seeker	seeker	NOUN
cblr-1739	675	48	’s	’s	PART
cblr-1739	675	49	actions	action	NOUN
cblr-1739	675	50	.	.	PUNCT
cblr-1739	676	1	by	by	ADP
cblr-1739	676	2	“	"	PUNCT
cblr-1739	676	3	third	third	ADJ
cblr-1739	676	4	parties	party	NOUN
cblr-1739	676	5	”	"	PUNCT
cblr-1739	676	6	we	we	PRON
cblr-1739	676	7	refer	refer	VERB
cblr-1739	676	8	to	to	ADP
cblr-1739	676	9	the	the	DET
cblr-1739	676	10	loan	loan	NOUN
cblr-1739	676	11	seeker	seeker	NOUN
cblr-1739	676	12	’s	’s	PART
cblr-1739	676	13	contacts	contact	NOUN
cblr-1739	676	14	,	,	PUNCT
cblr-1739	676	15	followers	follower	NOUN
cblr-1739	676	16	,	,	PUNCT
cblr-1739	676	17	and	and	CCONJ
cblr-1739	676	18	friends	friend	NOUN
cblr-1739	676	19	,	,	PUNCT
cblr-1739	676	20	whose	whose	DET
cblr-1739	676	21	interaction	interaction	NOUN
cblr-1739	676	22	with	with	ADP
cblr-1739	676	23	the	the	DET
cblr-1739	676	24	loan	loan	NOUN
cblr-1739	676	25	seeker	seeker	NOUN
cblr-1739	676	26	,	,	PUNCT
cblr-1739	676	27	whether	whether	SCONJ
cblr-1739	676	28	of	of	ADP
cblr-1739	676	29	a	a	DET
cblr-1739	676	30	one	one	NUM
cblr-1739	676	31	-	-	PUNCT
cblr-1739	676	32	time	time	NOUN
cblr-1739	676	33	or	or	CCONJ
cblr-1739	676	34	reoccurring	reoccurring	ADJ
cblr-1739	676	35	nature	nature	NOUN
cblr-1739	676	36	,	,	PUNCT
cblr-1739	676	37	are	be	AUX
cblr-1739	676	38	analyzed	analyze	VERB
cblr-1739	676	39	and	and	CCONJ
cblr-1739	676	40	factored	factor	VERB
cblr-1739	676	41	into	into	ADP
cblr-1739	676	42	a	a	DET
cblr-1739	676	43	calculation	calculation	NOUN
cblr-1739	676	44	of	of	ADP
cblr-1739	676	45	financial	financial	ADJ
cblr-1739	676	46	risk	risk	NOUN
cblr-1739	676	47	.	.	PUNCT
cblr-1739	677	1	third	third	ADJ
cblr-1739	677	2	parties	party	NOUN
cblr-1739	677	3	’	’	PART
cblr-1739	677	4	privacy	privacy	NOUN
cblr-1739	677	5	harm	harm	NOUN
cblr-1739	677	6	depends	depend	VERB
cblr-1739	677	7	on	on	ADP
cblr-1739	677	8	the	the	DET
cblr-1739	677	9	amount	amount	NOUN
cblr-1739	677	10	and	and	CCONJ
cblr-1739	677	11	type	type	NOUN
cblr-1739	677	12	of	of	ADP
cblr-1739	677	13	information	information	NOUN
cblr-1739	677	14	collected	collect	VERB
cblr-1739	677	15	and	and	CCONJ
cblr-1739	677	16	evaluated	evaluate	VERB
cblr-1739	677	17	by	by	ADP
cblr-1739	677	18	the	the	DET
cblr-1739	677	19	specific	specific	ADJ
cblr-1739	677	20	creditgenerating	creditgenerating	NOUN
cblr-1739	677	21	algorithm	algorithm	NOUN
cblr-1739	677	22	,	,	PUNCT
cblr-1739	677	23	and	and	CCONJ
cblr-1739	677	24	generally	generally	ADV
cblr-1739	677	25	correlates	correlate	VERB
cblr-1739	677	26	with	with	ADP
cblr-1739	677	27	the	the	DET
cblr-1739	677	28	degree	degree	NOUN
cblr-1739	677	29	of	of	ADP
cblr-1739	677	30	disclosure	disclosure	NOUN
cblr-1739	677	31	and	and	CCONJ
cblr-1739	677	32	invasiveness	invasiveness	NOUN
cblr-1739	677	33	authorized	authorize	VERB
cblr-1739	677	34	by	by	ADP
cblr-1739	677	35	the	the	DET
cblr-1739	677	36	loan	loan	NOUN
cblr-1739	677	37	seeker	seeker	NOUN
cblr-1739	677	38	.	.	PUNCT
cblr-1739	678	1	on	on	ADP
cblr-1739	678	2	the	the	DET
cblr-1739	678	3	worse	bad	ADJ
cblr-1739	678	4	end	end	NOUN
cblr-1739	678	5	of	of	ADP
cblr-1739	678	6	the	the	DET
cblr-1739	678	7	spectrum	spectrum	NOUN
cblr-1739	678	8	are	be	AUX
cblr-1739	678	9	lenders	lender	NOUN
cblr-1739	678	10	that	that	PRON
cblr-1739	678	11	require	require	VERB
cblr-1739	678	12	unlimited	unlimited	ADJ
cblr-1739	678	13	access	access	NOUN
cblr-1739	678	14	to	to	ADP
cblr-1739	678	15	an	an	DET
cblr-1739	678	16	applicant	applicant	NOUN
cblr-1739	678	17	’s	’s	PART
cblr-1739	678	18	social	social	ADJ
cblr-1739	678	19	network	network	NOUN
cblr-1739	678	20	accounts	account	NOUN
cblr-1739	678	21	.	.	PUNCT
cblr-1739	679	1	by	by	ADP
cblr-1739	679	2	granting	grant	VERB
cblr-1739	679	3	such	such	ADJ
cblr-1739	679	4	access	access	NOUN
cblr-1739	679	5	,	,	PUNCT
cblr-1739	679	6	the	the	DET
cblr-1739	679	7	loan	loan	NOUN
cblr-1739	679	8	seeker	seeker	NOUN
cblr-1739	679	9	in	in	ADP
cblr-1739	679	10	fact	fact	NOUN
cblr-1739	679	11	delegates	delegate	VERB
cblr-1739	679	12	the	the	DET
cblr-1739	679	13	privilege	privilege	NOUN
cblr-1739	679	14	to	to	PART
cblr-1739	679	15	access	access	VERB
cblr-1739	679	16	and	and	CCONJ
cblr-1739	679	17	view	view	VERB
cblr-1739	679	18	information	information	NOUN
cblr-1739	679	19	about	about	ADP
cblr-1739	679	20	her	her	PRON
cblr-1739	679	21	contacts	contact	NOUN
cblr-1739	679	22	to	to	ADP
cblr-1739	679	23	the	the	DET
cblr-1739	679	24	lender	lender	NOUN
cblr-1739	679	25	,	,	PUNCT
cblr-1739	679	26	without	without	ADP
cblr-1739	679	27	notifying	notify	VERB
cblr-1739	679	28	or	or	CCONJ
cblr-1739	679	29	obtaining	obtain	VERB
cblr-1739	679	30	approval	approval	NOUN
cblr-1739	679	31	for	for	ADP
cblr-1739	679	32	such	such	ADJ
cblr-1739	679	33	delegation	delegation	NOUN
cblr-1739	679	34	.	.	PUNCT
cblr-1739	680	1	subsequently	subsequently	ADV
cblr-1739	680	2	,	,	PUNCT
cblr-1739	680	3	the	the	DET
cblr-1739	680	4	lender	lender	NOUN
cblr-1739	680	5	can	can	AUX
cblr-1739	680	6	view	view	VERB
cblr-1739	680	7	posts	post	NOUN
cblr-1739	680	8	and	and	CCONJ
cblr-1739	680	9	photos	photo	NOUN
cblr-1739	680	10	from	from	ADP
cblr-1739	680	11	third	third	ADJ
cblr-1739	680	12	parties	party	NOUN
cblr-1739	680	13	,	,	PUNCT
cblr-1739	680	14	learning	learn	VERB
cblr-1739	680	15	about	about	ADP
cblr-1739	680	16	some	some	DET
cblr-1739	680	17	remarkably	remarkably	ADV
cblr-1739	680	18	private	private	ADJ
cblr-1739	680	19	aspects	aspect	NOUN
cblr-1739	680	20	of	of	ADP
cblr-1739	680	21	their	their	PRON
cblr-1739	680	22	lives	life	NOUN
cblr-1739	680	23	.	.	PUNCT
cblr-1739	681	1	on	on	ADP
cblr-1739	681	2	the	the	DET
cblr-1739	681	3	better	well	ADJ
cblr-1739	681	4	end	end	NOUN
cblr-1739	681	5	of	of	ADP
cblr-1739	681	6	the	the	DET
cblr-1739	681	7	privacy	privacy	NOUN
cblr-1739	681	8	-	-	PUNCT
cblr-1739	681	9	invading	invade	VERB
cblr-1739	681	10	spectrum	spectrum	NOUN
cblr-1739	681	11	are	be	AUX
cblr-1739	681	12	lenders	lender	NOUN
cblr-1739	681	13	that	that	PRON
cblr-1739	681	14	look	look	VERB
cblr-1739	681	15	at	at	ADP
cblr-1739	681	16	publicly	publicly	ADV
cblr-1739	681	17	available	available	ADJ
cblr-1739	681	18	information	information	NOUN
cblr-1739	681	19	without	without	ADP
cblr-1739	681	20	bypassing	bypass	VERB
cblr-1739	681	21	privacy	privacy	NOUN
cblr-1739	681	22	firewalls	firewall	NOUN
cblr-1739	681	23	.	.	PUNCT
cblr-1739	682	1	third	third	ADJ
cblr-1739	682	2	parties	party	NOUN
cblr-1739	682	3	are	be	AUX
cblr-1739	682	4	still	still	ADV
cblr-1739	682	5	unaware	unaware	ADJ
cblr-1739	682	6	of	of	ADP
cblr-1739	682	7	the	the	DET
cblr-1739	682	8	use	use	NOUN
cblr-1739	682	9	,	,	PUNCT
cblr-1739	682	10	but	but	CCONJ
cblr-1739	682	11	there	there	PRON
cblr-1739	682	12	is	be	VERB
cblr-1739	682	13	seemingly	seemingly	ADV
cblr-1739	682	14	less	less	ADJ
cblr-1739	682	15	discomfort	discomfort	NOUN
cblr-1739	682	16	with	with	ADP
cblr-1739	682	17	use	use	NOUN
cblr-1739	682	18	of	of	ADP
cblr-1739	682	19	publicly	publicly	ADV
cblr-1739	682	20	available	available	ADJ
cblr-1739	682	21	details	detail	NOUN
cblr-1739	682	22	.	.	PUNCT
cblr-1739	683	1	just	just	ADV
cblr-1739	683	2	like	like	INTJ
cblr-1739	683	3	in	in	ADP
cblr-1739	683	4	the	the	DET
cblr-1739	683	5	offline	offline	ADJ
cblr-1739	683	6	world	world	NOUN
cblr-1739	683	7	,	,	PUNCT
cblr-1739	683	8	goes	go	VERB
cblr-1739	683	9	the	the	DET
cblr-1739	683	10	claim	claim	NOUN
cblr-1739	683	11	,	,	PUNCT
cblr-1739	683	12	one	one	PRON
cblr-1739	683	13	must	must	AUX
cblr-1739	683	14	assume	assume	VERB
cblr-1739	683	15	responsibility	responsibility	NOUN
cblr-1739	683	16	for	for	ADP
cblr-1739	683	17	the	the	DET
cblr-1739	683	18	information	information	NOUN
cblr-1739	683	19	one	one	NOUN
cblr-1739	683	20	unveils	unveil	VERB
cblr-1739	683	21	to	to	ADP
cblr-1739	683	22	the	the	DET
cblr-1739	683	23	world	world	NOUN
cblr-1739	683	24	.	.	PUNCT
cblr-1739	684	1	leaving	leave	VERB
cblr-1739	684	2	one	one	NUM
cblr-1739	684	3	’s	’s	PART
cblr-1739	684	4	social	social	ADJ
cblr-1739	684	5	footprints	footprint	NOUN
cblr-1739	684	6	traceable	traceable	ADJ
cblr-1739	684	7	and	and	CCONJ
cblr-1739	684	8	available	available	ADJ
cblr-1739	684	9	online	online	NOUN
cblr-1739	684	10	comes	come	VERB
cblr-1739	684	11	at	at	ADP
cblr-1739	684	12	the	the	DET
cblr-1739	684	13	cost	cost	NOUN
cblr-1739	684	14	of	of	ADP
cblr-1739	684	15	it	it	PRON
cblr-1739	684	16	being	be	AUX
cblr-1739	684	17	used	use	VERB
cblr-1739	684	18	for	for	ADP
cblr-1739	684	19	various	various	ADJ
cblr-1739	684	20	purposes	purpose	NOUN
cblr-1739	684	21	without	without	ADP
cblr-1739	684	22	consent	consent	NOUN
cblr-1739	684	23	.	.	PUNCT
cblr-1739	685	1	indeed	indeed	ADV
cblr-1739	685	2	,	,	PUNCT
cblr-1739	685	3	the	the	DET
cblr-1739	685	4	argument	argument	NOUN
cblr-1739	685	5	in	in	ADP
cblr-1739	685	6	favor	favor	NOUN
cblr-1739	685	7	of	of	ADP
cblr-1739	685	8	using	use	VERB
cblr-1739	685	9	publicly	publicly	ADV
cblr-1739	685	10	accessible	accessible	ADJ
cblr-1739	685	11	information	information	NOUN
cblr-1739	685	12	about	about	ADP
cblr-1739	685	13	third	third	ADJ
cblr-1739	685	14	parties	party	NOUN
cblr-1739	685	15	for	for	ADP
cblr-1739	685	16	financial	financial	ADJ
cblr-1739	685	17	ranking	ranking	NOUN
cblr-1739	685	18	is	be	AUX
cblr-1739	685	19	powerful	powerful	ADJ
cblr-1739	685	20	,	,	PUNCT
cblr-1739	685	21	but	but	CCONJ
cblr-1739	685	22	four	four	NUM
cblr-1739	685	23	considerations	consideration	NOUN
cblr-1739	685	24	significantly	significantly	ADV
cblr-1739	685	25	mitigate	mitigate	VERB
cblr-1739	685	26	these	these	DET
cblr-1739	685	27	rationalizations	rationalization	NOUN
cblr-1739	685	28	.	.	PUNCT
cblr-1739	686	1	first	first	ADV
cblr-1739	686	2	,	,	PUNCT
cblr-1739	686	3	even	even	ADV
cblr-1739	686	4	though	though	SCONJ
cblr-1739	686	5	the	the	DET
cblr-1739	686	6	initial	initial	ADJ
cblr-1739	686	7	inquiry	inquiry	NOUN
cblr-1739	686	8	is	be	AUX
cblr-1739	686	9	directly	directly	ADV
cblr-1739	686	10	fixated	fixated	ADJ
cblr-1739	686	11	on	on	ADP
cblr-1739	686	12	the	the	DET
cblr-1739	686	13	loan	loan	NOUN
cblr-1739	686	14	seeker	seeker	NOUN
cblr-1739	686	15	,	,	PUNCT
cblr-1739	686	16	information	information	NOUN
cblr-1739	686	17	collected	collect	VERB
cblr-1739	686	18	could	could	AUX
cblr-1739	686	19	potentially	potentially	ADV
cblr-1739	686	20	be	be	AUX
cblr-1739	686	21	retained	retain	VERB
cblr-1739	686	22	and	and	CCONJ
cblr-1739	686	23	cross	cros	VERB
cblr-1739	686	24	-	-	ADJ
cblr-1739	686	25	referenced	referenced	ADJ
cblr-1739	686	26	to	to	PART
cblr-1739	686	27	make	make	VERB
cblr-1739	686	28	future	future	ADJ
cblr-1739	686	29	creditworthiness	creditworthiness	NOUN
cblr-1739	686	30	determinations	determination	NOUN
cblr-1739	686	31	related	relate	VERB
cblr-1739	686	32	to	to	ADP
cblr-1739	686	33	one	one	NUM
cblr-1739	686	34	of	of	ADP
cblr-1739	686	35	the	the	DET
cblr-1739	686	36	indirectly	indirectly	ADV
cblr-1739	686	37	-	-	PUNCT
cblr-1739	686	38	involved	involve	VERB
cblr-1739	686	39	third	third	ADJ
cblr-1739	686	40	parties	party	NOUN
cblr-1739	686	41	.	.	PUNCT
cblr-1739	687	1	second	second	ADJ
cblr-1739	687	2	,	,	PUNCT
cblr-1739	687	3	unlike	unlike	ADP
cblr-1739	687	4	widely	widely	ADV
cblr-1739	687	5	used	use	VERB
cblr-1739	687	6	big	big	ADJ
cblr-1739	687	7	data	datum	NOUN
cblr-1739	687	8	analytics	analytic	NOUN
cblr-1739	687	9	that	that	PRON
cblr-1739	687	10	generally	generally	ADV
cblr-1739	687	11	lack	lack	VERB
cblr-1739	687	12	personal	personal	ADJ
cblr-1739	687	13	components	component	NOUN
cblr-1739	687	14	,	,	PUNCT
cblr-1739	687	15	geslevich	geslevich	NOUN
cblr-1739	687	16	packin	packin	PROPN
cblr-1739	687	17	&	&	CCONJ
cblr-1739	687	18	lev	lev	PROPN
cblr-1739	687	19	-	-	PUNCT
cblr-1739	687	20	aretz	aretz	PROPN
cblr-1739	687	21	–	–	PUNCT
cblr-1739	687	22	final	final	ADJ
cblr-1739	687	23	no	no	NOUN
cblr-1739	687	24	.	.	PUNCT
cblr-1739	688	1	2:339	2:339	NUM
cblr-1739	688	2	]	]	X
cblr-1739	688	3	on	on	ADP
cblr-1739	688	4	social	social	ADJ
cblr-1739	688	5	credit	credit	NOUN
cblr-1739	688	6	387	387	NUM
cblr-1739	688	7	personal	personal	ADJ
cblr-1739	688	8	identification	identification	NOUN
cblr-1739	688	9	is	be	AUX
cblr-1739	688	10	inherent	inherent	ADJ
cblr-1739	688	11	to	to	ADP
cblr-1739	688	12	the	the	DET
cblr-1739	688	13	process	process	NOUN
cblr-1739	688	14	of	of	ADP
cblr-1739	688	15	socialbased	socialbased	ADJ
cblr-1739	688	16	scoring	scoring	NOUN
cblr-1739	688	17	,	,	PUNCT
cblr-1739	688	18	making	make	VERB
cblr-1739	688	19	the	the	DET
cblr-1739	688	20	prospects	prospect	NOUN
cblr-1739	688	21	of	of	ADP
cblr-1739	688	22	a	a	DET
cblr-1739	688	23	privacy	privacy	NOUN
cblr-1739	688	24	harm	harm	NOUN
cblr-1739	688	25	greater	great	ADJ
cblr-1739	688	26	to	to	ADP
cblr-1739	688	27	third	third	ADJ
cblr-1739	688	28	parties	party	NOUN
cblr-1739	688	29	.	.	PUNCT
cblr-1739	689	1	third	third	ADJ
cblr-1739	689	2	,	,	PUNCT
cblr-1739	689	3	advanced	advanced	ADJ
cblr-1739	689	4	algorithmic	algorithmic	ADJ
cblr-1739	689	5	modeling	modeling	NOUN
cblr-1739	689	6	and	and	CCONJ
cblr-1739	689	7	big	big	ADJ
cblr-1739	689	8	data	datum	NOUN
cblr-1739	689	9	can	can	AUX
cblr-1739	689	10	yield	yield	VERB
cblr-1739	689	11	inferences	inference	NOUN
cblr-1739	689	12	about	about	ADP
cblr-1739	689	13	private	private	ADJ
cblr-1739	689	14	information	information	NOUN
cblr-1739	689	15	that	that	PRON
cblr-1739	689	16	may	may	AUX
cblr-1739	689	17	have	have	AUX
cblr-1739	689	18	never	never	ADV
cblr-1739	689	19	been	be	AUX
cblr-1739	689	20	disclosed	disclose	VERB
cblr-1739	689	21	to	to	ADP
cblr-1739	689	22	the	the	DET
cblr-1739	689	23	online	online	ADJ
cblr-1739	689	24	platform	platform	NOUN
cblr-1739	689	25	,	,	PUNCT
cblr-1739	689	26	leaving	leave	VERB
cblr-1739	689	27	individuals	individual	NOUN
cblr-1739	689	28	exposed	expose	VERB
cblr-1739	689	29	in	in	ADP
cblr-1739	689	30	ways	way	NOUN
cblr-1739	689	31	they	they	PRON
cblr-1739	689	32	could	could	AUX
cblr-1739	689	33	not	not	PART
cblr-1739	689	34	have	have	VERB
cblr-1739	689	35	anticipated.185	anticipated.185	NOUN
cblr-1739	689	36	finally	finally	ADV
cblr-1739	689	37	,	,	PUNCT
cblr-1739	689	38	as	as	ADP
cblr-1739	689	39	the	the	DET
cblr-1739	689	40	subsequent	subsequent	ADJ
cblr-1739	689	41	discussion	discussion	NOUN
cblr-1739	689	42	below	below	ADP
cblr-1739	689	43	illustrates	illustrate	VERB
cblr-1739	689	44	,	,	PUNCT
cblr-1739	689	45	whether	whether	SCONJ
cblr-1739	689	46	a	a	DET
cblr-1739	689	47	particular	particular	ADJ
cblr-1739	689	48	use	use	NOUN
cblr-1739	689	49	agrees	agree	VERB
cblr-1739	689	50	with	with	ADP
cblr-1739	689	51	existing	exist	VERB
cblr-1739	689	52	privacy	privacy	NOUN
cblr-1739	689	53	norms	norm	NOUN
cblr-1739	689	54	should	should	AUX
cblr-1739	689	55	not	not	PART
cblr-1739	689	56	be	be	AUX
cblr-1739	689	57	squarely	squarely	ADV
cblr-1739	689	58	contingent	contingent	ADJ
cblr-1739	689	59	on	on	ADP
cblr-1739	689	60	the	the	DET
cblr-1739	689	61	public	public	ADJ
cblr-1739	689	62	/	/	SYM
cblr-1739	689	63	private	private	ADJ
cblr-1739	689	64	dichotomy	dichotomy	NOUN
cblr-1739	689	65	.	.	PUNCT
cblr-1739	690	1	instead	instead	ADV
cblr-1739	690	2	,	,	PUNCT
cblr-1739	690	3	subject	subject	ADJ
cblr-1739	690	4	to	to	ADP
cblr-1739	690	5	a	a	DET
cblr-1739	690	6	reasonableness	reasonableness	NOUN
cblr-1739	690	7	check	check	NOUN
cblr-1739	690	8	,	,	PUNCT
cblr-1739	690	9	the	the	DET
cblr-1739	690	10	expectations	expectation	NOUN
cblr-1739	690	11	of	of	ADP
cblr-1739	690	12	an	an	DET
cblr-1739	690	13	individual	individual	NOUN
cblr-1739	690	14	whose	whose	DET
cblr-1739	690	15	privacy	privacy	NOUN
cblr-1739	690	16	interest	interest	NOUN
cblr-1739	690	17	may	may	AUX
cblr-1739	690	18	be	be	AUX
cblr-1739	690	19	harmed	harm	VERB
cblr-1739	690	20	should	should	AUX
cblr-1739	690	21	be	be	AUX
cblr-1739	690	22	used	use	VERB
cblr-1739	690	23	as	as	SCONJ
cblr-1739	690	24	the	the	DET
cblr-1739	690	25	barometer	barometer	NOUN
cblr-1739	690	26	of	of	ADP
cblr-1739	690	27	privacy	privacy	NOUN
cblr-1739	690	28	violation	violation	NOUN
cblr-1739	690	29	claims	claim	VERB
cblr-1739	690	30	.	.	PUNCT
cblr-1739	691	1	1	1	X
cblr-1739	691	2	.	.	X
cblr-1739	691	3	contextual	contextual	ADJ
cblr-1739	691	4	integrity	integrity	NOUN
cblr-1739	691	5	theory	theory	NOUN
cblr-1739	691	6	of	of	ADP
cblr-1739	691	7	privacy	privacy	NOUN
cblr-1739	691	8	two	two	NUM
cblr-1739	691	9	benchmark	benchmark	NOUN
cblr-1739	691	10	theories	theory	NOUN
cblr-1739	691	11	of	of	ADP
cblr-1739	691	12	privacy	privacy	NOUN
cblr-1739	691	13	shed	shed	VERB
cblr-1739	691	14	light	light	NOUN
cblr-1739	691	15	on	on	ADP
cblr-1739	691	16	the	the	DET
cblr-1739	691	17	legitimacy	legitimacy	NOUN
cblr-1739	691	18	of	of	ADP
cblr-1739	691	19	the	the	DET
cblr-1739	691	20	practice	practice	NOUN
cblr-1739	691	21	of	of	ADP
cblr-1739	691	22	collection	collection	NOUN
cblr-1739	691	23	and	and	CCONJ
cblr-1739	691	24	use	use	NOUN
cblr-1739	691	25	of	of	ADP
cblr-1739	691	26	information	information	NOUN
cblr-1739	691	27	about	about	ADP
cblr-1739	691	28	third	third	ADJ
cblr-1739	691	29	parties	party	NOUN
cblr-1739	691	30	.	.	PUNCT
cblr-1739	692	1	helen	helen	PROPN
cblr-1739	692	2	nissenbaum	nissenbaum	PROPN
cblr-1739	692	3	’s	’s	PART
cblr-1739	692	4	contextual	contextual	ADJ
cblr-1739	692	5	integrity	integrity	NOUN
cblr-1739	692	6	theory	theory	NOUN
cblr-1739	692	7	offers	offer	VERB
cblr-1739	692	8	a	a	DET
cblr-1739	692	9	conceptual	conceptual	ADJ
cblr-1739	692	10	framework	framework	NOUN
cblr-1739	692	11	that	that	PRON
cblr-1739	692	12	marries	marry	VERB
cblr-1739	692	13	the	the	DET
cblr-1739	692	14	protection	protection	NOUN
cblr-1739	692	15	of	of	ADP
cblr-1739	692	16	private	private	ADJ
cblr-1739	692	17	information	information	NOUN
cblr-1739	692	18	and	and	CCONJ
cblr-1739	692	19	the	the	DET
cblr-1739	692	20	norms	norm	NOUN
cblr-1739	692	21	of	of	ADP
cblr-1739	692	22	information	information	NOUN
cblr-1739	692	23	flow	flow	NOUN
cblr-1739	692	24	within	within	ADP
cblr-1739	692	25	particular	particular	ADJ
cblr-1739	692	26	contexts.186	contexts.186	NOUN
cblr-1739	692	27	designed	design	VERB
cblr-1739	692	28	to	to	PART
cblr-1739	692	29	detect	detect	VERB
cblr-1739	692	30	whether	whether	SCONJ
cblr-1739	692	31	the	the	DET
cblr-1739	692	32	introduction	introduction	NOUN
cblr-1739	692	33	of	of	ADP
cblr-1739	692	34	a	a	DET
cblr-1739	692	35	new	new	ADJ
cblr-1739	692	36	practice	practice	NOUN
cblr-1739	692	37	or	or	CCONJ
cblr-1739	692	38	technology	technology	NOUN
cblr-1739	692	39	into	into	ADP
cblr-1739	692	40	a	a	DET
cblr-1739	692	41	given	give	VERB
cblr-1739	692	42	social	social	ADJ
cblr-1739	692	43	context	context	NOUN
cblr-1739	692	44	breaches	breach	NOUN
cblr-1739	692	45	governing	govern	VERB
cblr-1739	692	46	informational	informational	ADJ
cblr-1739	692	47	norms	norm	NOUN
cblr-1739	692	48	,	,	PUNCT
cblr-1739	692	49	the	the	DET
cblr-1739	692	50	contextual	contextual	ADJ
cblr-1739	692	51	integrity	integrity	NOUN
cblr-1739	692	52	theory	theory	NOUN
cblr-1739	692	53	rejects	reject	VERB
cblr-1739	692	54	the	the	DET
cblr-1739	692	55	traditional	traditional	ADJ
cblr-1739	692	56	distinction	distinction	NOUN
cblr-1739	692	57	of	of	ADP
cblr-1739	692	58	public	public	ADJ
cblr-1739	692	59	versus	versus	ADP
cblr-1739	692	60	private	private	ADJ
cblr-1739	692	61	information	information	NOUN
cblr-1739	692	62	.	.	PUNCT
cblr-1739	693	1	instead	instead	ADV
cblr-1739	693	2	,	,	PUNCT
cblr-1739	693	3	the	the	DET
cblr-1739	693	4	theory	theory	NOUN
cblr-1739	693	5	suggests	suggest	VERB
cblr-1739	693	6	that	that	SCONJ
cblr-1739	693	7	informationsharing	informationsharing	NOUN
cblr-1739	693	8	activities	activity	NOUN
cblr-1739	693	9	present	present	VERB
cblr-1739	693	10	themselves	themselves	PRON
cblr-1739	693	11	in	in	ADP
cblr-1739	693	12	a	a	DET
cblr-1739	693	13	“	"	PUNCT
cblr-1739	693	14	plurality	plurality	NOUN
cblr-1739	693	15	of	of	ADP
cblr-1739	693	16	distinct	distinct	ADJ
cblr-1739	693	17	realms	realm	NOUN
cblr-1739	693	18	,	,	PUNCT
cblr-1739	693	19	”	"	PUNCT
cblr-1739	693	20	all	all	PRON
cblr-1739	693	21	of	of	ADP
cblr-1739	693	22	which	which	PRON
cblr-1739	693	23	are	be	AUX
cblr-1739	693	24	governed	govern	VERB
cblr-1739	693	25	by	by	ADP
cblr-1739	693	26	norms	norm	NOUN
cblr-1739	693	27	of	of	ADP
cblr-1739	693	28	information	information	NOUN
cblr-1739	693	29	flow	flow	NOUN
cblr-1739	693	30	that	that	PRON
cblr-1739	693	31	define	define	VERB
cblr-1739	693	32	the	the	DET
cblr-1739	693	33	contours	contours	NOUN
cblr-1739	693	34	of	of	ADP
cblr-1739	693	35	our	our	PRON
cblr-1739	693	36	essential	essential	ADJ
cblr-1739	693	37	entitlements	entitlement	NOUN
cblr-1739	693	38	regarding	regard	VERB
cblr-1739	693	39	personal	personal	ADJ
cblr-1739	693	40	information.187	information.187	NOUN
cblr-1739	693	41	the	the	DET
cblr-1739	693	42	theory	theory	NOUN
cblr-1739	693	43	distinguishes	distinguish	VERB
cblr-1739	693	44	between	between	ADP
cblr-1739	693	45	two	two	NUM
cblr-1739	693	46	classes	class	NOUN
cblr-1739	693	47	of	of	ADP
cblr-1739	693	48	informational	informational	ADJ
cblr-1739	693	49	norm	norm	NOUN
cblr-1739	693	50	:	:	PUNCT
cblr-1739	693	51	185	185	NUM
cblr-1739	693	52	for	for	ADP
cblr-1739	693	53	example	example	NOUN
cblr-1739	693	54	,	,	PUNCT
cblr-1739	693	55	researchers	researcher	NOUN
cblr-1739	693	56	were	be	AUX
cblr-1739	693	57	able	able	ADJ
cblr-1739	693	58	to	to	PART
cblr-1739	693	59	fairly	fairly	ADV
cblr-1739	693	60	accurately	accurately	ADV
cblr-1739	693	61	guess	guess	VERB
cblr-1739	693	62	the	the	DET
cblr-1739	693	63	characteristics	characteristic	NOUN
cblr-1739	693	64	of	of	ADP
cblr-1739	693	65	a	a	DET
cblr-1739	693	66	group	group	NOUN
cblr-1739	693	67	of	of	ADP
cblr-1739	693	68	facebook	facebook	NOUN
cblr-1739	693	69	users	user	NOUN
cblr-1739	693	70	by	by	ADP
cblr-1739	693	71	analyzing	analyze	VERB
cblr-1739	693	72	their	their	PRON
cblr-1739	693	73	“	"	PUNCT
cblr-1739	693	74	likes	like	NOUN
cblr-1739	693	75	.	.	PUNCT
cblr-1739	693	76	”	"	PUNCT
cblr-1739	694	1	see	see	VERB
cblr-1739	694	2	zeynep	zeynep	NOUN
cblr-1739	694	3	tufekci	tufekci	ADJ
cblr-1739	694	4	,	,	PUNCT
cblr-1739	694	5	algorithmic	algorithmic	ADJ
cblr-1739	694	6	harms	harm	NOUN
cblr-1739	694	7	beyond	beyond	ADP
cblr-1739	694	8	facebook	facebook	NOUN
cblr-1739	694	9	and	and	CCONJ
cblr-1739	694	10	google	google	PROPN
cblr-1739	694	11	:	:	PUNCT
cblr-1739	694	12	emergent	emergent	ADJ
cblr-1739	694	13	challenges	challenge	NOUN
cblr-1739	694	14	of	of	ADP
cblr-1739	694	15	computational	computational	ADJ
cblr-1739	694	16	agency	agency	NOUN
cblr-1739	694	17	,	,	PUNCT
cblr-1739	694	18	13	13	NUM
cblr-1739	694	19	colo	colo	NOUN
cblr-1739	694	20	.	.	PUNCT
cblr-1739	695	1	tech	tech	NOUN
cblr-1739	695	2	.	.	PUNCT
cblr-1739	696	1	l.j	l.j	PROPN
cblr-1739	696	2	.	.	PROPN
cblr-1739	696	3	203	203	NUM
cblr-1739	696	4	,	,	PUNCT
cblr-1739	696	5	210	210	NUM
cblr-1739	696	6	(	(	PUNCT
cblr-1739	696	7	2015	2015	NUM
cblr-1739	696	8	)	)	PUNCT
cblr-1739	696	9	.	.	PUNCT
cblr-1739	697	1	186	186	NUM
cblr-1739	697	2	see	see	VERB
cblr-1739	697	3	nissenbaum	nissenbaum	PROPN
cblr-1739	697	4	,	,	PUNCT
cblr-1739	697	5	supra	supra	PROPN
cblr-1739	697	6	note	note	NOUN
cblr-1739	697	7	23	23	NUM
cblr-1739	697	8	.	.	PUNCT
cblr-1739	698	1	187	187	NUM
cblr-1739	699	1	i	i	PRON
cblr-1739	699	2	d.	d.	PROPN
cblr-1739	699	3	at	at	ADP
cblr-1739	699	4	137	137	NUM
cblr-1739	699	5	.	.	PUNCT
cblr-1739	700	1	geslevich	geslevich	PROPN
cblr-1739	700	2	packin	packin	PROPN
cblr-1739	700	3	&	&	CCONJ
cblr-1739	700	4	lev	lev	PROPN
cblr-1739	700	5	-	-	PUNCT
cblr-1739	700	6	aretz	aretz	PROPN
cblr-1739	700	7	–	–	PUNCT
cblr-1739	700	8	final	final	ADJ
cblr-1739	700	9	388	388	NUM
cblr-1739	700	10	columbia	columbia	PROPN
cblr-1739	700	11	business	business	NOUN
cblr-1739	700	12	law	law	PROPN
cblr-1739	700	13	review	review	NOUN
cblr-1739	701	1	[	[	X
cblr-1739	701	2	vol	vol	NOUN
cblr-1739	701	3	.	.	NOUN
cblr-1739	701	4	2016	2016	NUM
cblr-1739	701	5	norms	norm	NOUN
cblr-1739	701	6	of	of	ADP
cblr-1739	701	7	appropriateness	appropriateness	NOUN
cblr-1739	701	8	and	and	CCONJ
cblr-1739	701	9	norms	norm	NOUN
cblr-1739	701	10	of	of	ADP
cblr-1739	701	11	flow	flow	NOUN
cblr-1739	701	12	or	or	CCONJ
cblr-1739	701	13	distribution.188	distribution.188	NOUN
cblr-1739	701	14	norms	norm	NOUN
cblr-1739	701	15	of	of	ADP
cblr-1739	701	16	appropriateness	appropriateness	NOUN
cblr-1739	701	17	determine	determine	VERB
cblr-1739	701	18	whether	whether	SCONJ
cblr-1739	701	19	information	information	NOUN
cblr-1739	701	20	of	of	ADP
cblr-1739	701	21	a	a	DET
cblr-1739	701	22	certain	certain	ADJ
cblr-1739	701	23	type	type	NOUN
cblr-1739	701	24	or	or	CCONJ
cblr-1739	701	25	nature	nature	NOUN
cblr-1739	701	26	is	be	AUX
cblr-1739	701	27	appropriate	appropriate	ADJ
cblr-1739	701	28	for	for	ADP
cblr-1739	701	29	disclosure	disclosure	NOUN
cblr-1739	701	30	in	in	ADP
cblr-1739	701	31	a	a	DET
cblr-1739	701	32	given	give	VERB
cblr-1739	701	33	context.189	context.189	NOUN
cblr-1739	701	34	in	in	ADP
cblr-1739	701	35	addition	addition	NOUN
cblr-1739	701	36	to	to	ADP
cblr-1739	701	37	the	the	DET
cblr-1739	701	38	question	question	NOUN
cblr-1739	701	39	of	of	ADP
cblr-1739	701	40	appropriateness	appropriateness	NOUN
cblr-1739	701	41	in	in	ADP
cblr-1739	701	42	a	a	DET
cblr-1739	701	43	given	give	VERB
cblr-1739	701	44	context	context	NOUN
cblr-1739	701	45	,	,	PUNCT
cblr-1739	701	46	contextual	contextual	ADJ
cblr-1739	701	47	integrity	integrity	NOUN
cblr-1739	701	48	also	also	ADV
cblr-1739	701	49	considers	consider	VERB
cblr-1739	701	50	whether	whether	SCONJ
cblr-1739	701	51	the	the	DET
cblr-1739	701	52	distribution	distribution	NOUN
cblr-1739	701	53	or	or	CCONJ
cblr-1739	701	54	flow	flow	NOUN
cblr-1739	701	55	of	of	ADP
cblr-1739	701	56	the	the	DET
cblr-1739	701	57	information	information	NOUN
cblr-1739	701	58	conforms	conform	VERB
cblr-1739	701	59	to	to	ADP
cblr-1739	701	60	contextual	contextual	ADJ
cblr-1739	701	61	norms	norm	NOUN
cblr-1739	701	62	of	of	ADP
cblr-1739	701	63	information	information	NOUN
cblr-1739	701	64	flow.190	flow.190	VERB
cblr-1739	701	65	accordingly	accordingly	ADV
cblr-1739	701	66	,	,	PUNCT
cblr-1739	701	67	privacy	privacy	NOUN
cblr-1739	701	68	is	be	AUX
cblr-1739	701	69	invaded	invade	VERB
cblr-1739	701	70	when	when	SCONJ
cblr-1739	701	71	these	these	DET
cblr-1739	701	72	informational	informational	ADJ
cblr-1739	701	73	norms	norm	NOUN
cblr-1739	701	74	are	be	AUX
cblr-1739	701	75	violated	violate	VERB
cblr-1739	701	76	.	.	PUNCT
cblr-1739	702	1	in	in	ADP
cblr-1739	702	2	the	the	DET
cblr-1739	702	3	direct	direct	ADJ
cblr-1739	702	4	privacy	privacy	NOUN
cblr-1739	702	5	harm	harm	NOUN
cblr-1739	702	6	context	context	NOUN
cblr-1739	702	7	,	,	PUNCT
cblr-1739	702	8	from	from	ADP
cblr-1739	702	9	a	a	DET
cblr-1739	702	10	loan	loan	NOUN
cblr-1739	702	11	seeker	seeker	NOUN
cblr-1739	702	12	’s	’s	PART
cblr-1739	702	13	perspective	perspective	NOUN
cblr-1739	702	14	,	,	PUNCT
cblr-1739	702	15	both	both	DET
cblr-1739	702	16	informational	informational	ADJ
cblr-1739	702	17	norms	norm	NOUN
cblr-1739	702	18	are	be	AUX
cblr-1739	702	19	preserved	preserve	VERB
cblr-1739	702	20	.	.	PUNCT
cblr-1739	703	1	the	the	DET
cblr-1739	703	2	loan	loan	NOUN
cblr-1739	703	3	seeker	seeker	NOUN
cblr-1739	703	4	chooses	choose	VERB
cblr-1739	703	5	to	to	PART
cblr-1739	703	6	disclose	disclose	VERB
cblr-1739	703	7	personal	personal	ADJ
cblr-1739	703	8	information	information	NOUN
cblr-1739	703	9	about	about	ADP
cblr-1739	703	10	herself	herself	PRON
cblr-1739	703	11	for	for	ADP
cblr-1739	703	12	an	an	DET
cblr-1739	703	13	economic	economic	ADJ
cblr-1739	703	14	reward	reward	NOUN
cblr-1739	703	15	.	.	PUNCT
cblr-1739	704	1	the	the	DET
cblr-1739	704	2	user	user	NOUN
cblr-1739	704	3	understands	understand	VERB
cblr-1739	704	4	that	that	SCONJ
cblr-1739	704	5	the	the	DET
cblr-1739	704	6	information	information	NOUN
cblr-1739	704	7	shared	share	VERB
cblr-1739	704	8	will	will	AUX
cblr-1739	704	9	be	be	AUX
cblr-1739	704	10	used	use	VERB
cblr-1739	704	11	to	to	PART
cblr-1739	704	12	evaluate	evaluate	VERB
cblr-1739	704	13	her	her	PRON
cblr-1739	704	14	financial	financial	ADJ
cblr-1739	704	15	well	well	NOUN
cblr-1739	704	16	being	being	NOUN
cblr-1739	704	17	and	and	CCONJ
cblr-1739	704	18	may	may	AUX
cblr-1739	704	19	or	or	CCONJ
cblr-1739	704	20	may	may	AUX
cblr-1739	704	21	not	not	PART
cblr-1739	704	22	result	result	VERB
cblr-1739	704	23	in	in	ADP
cblr-1739	704	24	a	a	DET
cblr-1739	704	25	loan	loan	NOUN
cblr-1739	704	26	with	with	ADP
cblr-1739	704	27	preferred	preferred	ADJ
cblr-1739	704	28	terms	term	NOUN
cblr-1739	704	29	.	.	PUNCT
cblr-1739	705	1	neither	neither	PRON
cblr-1739	705	2	norms	norm	NOUN
cblr-1739	705	3	of	of	ADP
cblr-1739	705	4	appropriateness	appropriateness	NOUN
cblr-1739	705	5	nor	nor	CCONJ
cblr-1739	705	6	norms	norm	NOUN
cblr-1739	705	7	of	of	ADP
cblr-1739	705	8	flow	flow	NOUN
cblr-1739	705	9	are	be	AUX
cblr-1739	705	10	contravened	contravene	VERB
cblr-1739	705	11	.	.	PUNCT
cblr-1739	706	1	though	though	SCONJ
cblr-1739	706	2	information	information	NOUN
cblr-1739	706	3	flow	flow	NOUN
cblr-1739	706	4	has	have	AUX
cblr-1739	706	5	undoubtedly	undoubtedly	ADV
cblr-1739	706	6	changed	change	VERB
cblr-1739	706	7	since	since	SCONJ
cblr-1739	706	8	the	the	DET
cblr-1739	706	9	loan	loan	NOUN
cblr-1739	706	10	seeker	seeker	NOUN
cblr-1739	706	11	first	first	ADV
cblr-1739	706	12	signed	sign	VERB
cblr-1739	706	13	up	up	ADP
cblr-1739	706	14	to	to	ADP
cblr-1739	706	15	the	the	DET
cblr-1739	706	16	social	social	ADJ
cblr-1739	706	17	network	network	NOUN
cblr-1739	706	18	or	or	CCONJ
cblr-1739	706	19	otherwise	otherwise	ADV
cblr-1739	706	20	made	make	VERB
cblr-1739	706	21	her	her	PRON
cblr-1739	706	22	online	online	ADJ
cblr-1739	706	23	footprints	footprint	NOUN
cblr-1739	706	24	visible	visible	ADJ
cblr-1739	706	25	,	,	PUNCT
cblr-1739	706	26	when	when	SCONJ
cblr-1739	706	27	a	a	DET
cblr-1739	706	28	user	user	NOUN
cblr-1739	706	29	opts	opt	VERB
cblr-1739	706	30	to	to	PART
cblr-1739	706	31	use	use	VERB
cblr-1739	706	32	a	a	DET
cblr-1739	706	33	lending	lending	NOUN
cblr-1739	706	34	service	service	NOUN
cblr-1739	706	35	that	that	PRON
cblr-1739	706	36	takes	take	VERB
cblr-1739	706	37	account	account	NOUN
cblr-1739	706	38	of	of	ADP
cblr-1739	706	39	her	her	PRON
cblr-1739	706	40	online	online	ADJ
cblr-1739	706	41	social	social	ADJ
cblr-1739	706	42	image	image	NOUN
cblr-1739	706	43	,	,	PUNCT
cblr-1739	706	44	she	she	PRON
cblr-1739	706	45	actively	actively	ADV
cblr-1739	706	46	and	and	CCONJ
cblr-1739	706	47	willfully	willfully	ADV
cblr-1739	706	48	changes	change	VERB
cblr-1739	706	49	the	the	DET
cblr-1739	706	50	information	information	NOUN
cblr-1739	706	51	flow	flow	NOUN
cblr-1739	706	52	for	for	ADP
cblr-1739	706	53	what	what	PRON
cblr-1739	706	54	she	she	PRON
cblr-1739	706	55	believes	believe	VERB
cblr-1739	706	56	to	to	PART
cblr-1739	706	57	be	be	AUX
cblr-1739	706	58	her	her	PRON
cblr-1739	706	59	advantage	advantage	NOUN
cblr-1739	706	60	.	.	PUNCT
cblr-1739	707	1	in	in	ADP
cblr-1739	707	2	the	the	DET
cblr-1739	707	3	derivative	derivative	ADJ
cblr-1739	707	4	privacy	privacy	NOUN
cblr-1739	707	5	harm	harm	NOUN
cblr-1739	707	6	context	context	NOUN
cblr-1739	707	7	,	,	PUNCT
cblr-1739	707	8	the	the	DET
cblr-1739	707	9	same	same	ADJ
cblr-1739	707	10	argument	argument	NOUN
cblr-1739	707	11	does	do	AUX
cblr-1739	707	12	not	not	PART
cblr-1739	707	13	stand	stand	VERB
cblr-1739	707	14	when	when	SCONJ
cblr-1739	707	15	the	the	DET
cblr-1739	707	16	subject	subject	NOUN
cblr-1739	707	17	of	of	ADP
cblr-1739	707	18	the	the	DET
cblr-1739	707	19	data	datum	NOUN
cblr-1739	707	20	analysis	analysis	NOUN
cblr-1739	707	21	is	be	AUX
cblr-1739	707	22	a	a	DET
cblr-1739	707	23	third	third	ADJ
cblr-1739	707	24	party	party	NOUN
cblr-1739	707	25	.	.	PUNCT
cblr-1739	708	1	the	the	DET
cblr-1739	708	2	third	third	ADJ
cblr-1739	708	3	party	party	NOUN
cblr-1739	708	4	has	have	VERB
cblr-1739	708	5	control	control	NOUN
cblr-1739	708	6	over	over	ADP
cblr-1739	708	7	the	the	DET
cblr-1739	708	8	first	first	ADJ
cblr-1739	708	9	point	point	NOUN
cblr-1739	708	10	of	of	ADP
cblr-1739	708	11	sharing	sharing	NOUN
cblr-1739	708	12	in	in	ADP
cblr-1739	708	13	the	the	DET
cblr-1739	708	14	social	social	ADJ
cblr-1739	708	15	network	network	NOUN
cblr-1739	708	16	:	:	PUNCT
cblr-1739	708	17	she	she	PRON
cblr-1739	708	18	signed	sign	VERB
cblr-1739	708	19	up	up	ADP
cblr-1739	708	20	to	to	ADP
cblr-1739	708	21	the	the	DET
cblr-1739	708	22	network	network	NOUN
cblr-1739	708	23	to	to	PART
cblr-1739	708	24	interact	interact	VERB
cblr-1739	708	25	with	with	ADP
cblr-1739	708	26	friends	friend	NOUN
cblr-1739	708	27	,	,	PUNCT
cblr-1739	708	28	family	family	NOUN
cblr-1739	708	29	,	,	PUNCT
cblr-1739	708	30	co	co	NOUN
cblr-1739	708	31	-	-	NOUN
cblr-1739	708	32	workers	worker	NOUN
cblr-1739	708	33	,	,	PUNCT
cblr-1739	708	34	and	and	CCONJ
cblr-1739	708	35	people	people	NOUN
cblr-1739	708	36	of	of	ADP
cblr-1739	708	37	various	various	ADJ
cblr-1739	708	38	levels	level	NOUN
cblr-1739	708	39	of	of	ADP
cblr-1739	708	40	proximity	proximity	NOUN
cblr-1739	708	41	under	under	ADP
cblr-1739	708	42	a	a	DET
cblr-1739	708	43	certain	certain	ADJ
cblr-1739	708	44	degree	degree	NOUN
cblr-1739	708	45	of	of	ADP
cblr-1739	708	46	exposure	exposure	NOUN
cblr-1739	708	47	and	and	CCONJ
cblr-1739	708	48	privacy	privacy	NOUN
cblr-1739	708	49	expectations	expectation	NOUN
cblr-1739	708	50	.	.	PUNCT
cblr-1739	709	1	however	however	ADV
cblr-1739	709	2	,	,	PUNCT
cblr-1739	709	3	when	when	SCONJ
cblr-1739	709	4	disclosing	disclose	VERB
cblr-1739	709	5	information	information	NOUN
cblr-1739	709	6	in	in	ADP
cblr-1739	709	7	the	the	DET
cblr-1739	709	8	course	course	NOUN
cblr-1739	709	9	of	of	ADP
cblr-1739	709	10	online	online	ADJ
cblr-1739	709	11	socialization	socialization	NOUN
cblr-1739	709	12	,	,	PUNCT
cblr-1739	709	13	third	third	ADJ
cblr-1739	709	14	parties	party	NOUN
cblr-1739	709	15	rarely	rarely	ADV
cblr-1739	709	16	contemplate	contemplate	VERB
cblr-1739	709	17	the	the	DET
cblr-1739	709	18	possibility	possibility	NOUN
cblr-1739	709	19	of	of	ADP
cblr-1739	709	20	being	be	AUX
cblr-1739	709	21	evaluated	evaluate	VERB
cblr-1739	709	22	to	to	PART
cblr-1739	709	23	financially	financially	ADV
cblr-1739	709	24	rank	rank	VERB
cblr-1739	709	25	others	other	NOUN
cblr-1739	709	26	.	.	PUNCT
cblr-1739	710	1	furthermore	furthermore	ADV
cblr-1739	710	2	,	,	PUNCT
cblr-1739	710	3	while	while	SCONJ
cblr-1739	710	4	it	it	PRON
cblr-1739	710	5	is	be	AUX
cblr-1739	710	6	unclear	unclear	ADJ
cblr-1739	710	7	from	from	ADP
cblr-1739	710	8	the	the	DET
cblr-1739	710	9	description	description	NOUN
cblr-1739	710	10	of	of	ADP
cblr-1739	710	11	current	current	ADJ
cblr-1739	710	12	lending	lending	NOUN
cblr-1739	710	13	practices	practice	NOUN
cblr-1739	710	14	,	,	PUNCT
cblr-1739	710	15	we	we	PRON
cblr-1739	710	16	188	188	NUM
cblr-1739	710	17	see	see	VERB
cblr-1739	710	18	helen	helen	PROPN
cblr-1739	710	19	nissenbaum	nissenbaum	PROPN
cblr-1739	710	20	,	,	PUNCT
cblr-1739	710	21	privacy	privacy	NOUN
cblr-1739	710	22	as	as	ADP
cblr-1739	710	23	contextual	contextual	ADJ
cblr-1739	710	24	integrity	integrity	NOUN
cblr-1739	710	25	,	,	PUNCT
cblr-1739	710	26	79	79	NUM
cblr-1739	710	27	wash	wash	NOUN
cblr-1739	710	28	.	.	PUNCT
cblr-1739	711	1	l.	l.	PROPN
cblr-1739	711	2	rev	rev	PROPN
cblr-1739	711	3	.	.	PROPN
cblr-1739	711	4	119	119	NUM
cblr-1739	711	5	,	,	PUNCT
cblr-1739	711	6	138	138	NUM
cblr-1739	711	7	(	(	PUNCT
cblr-1739	711	8	2004	2004	NUM
cblr-1739	711	9	)	)	PUNCT
cblr-1739	711	10	.	.	PUNCT
cblr-1739	712	1	189	189	NUM
cblr-1739	713	1	i	i	PRON
cblr-1739	713	2	d.	d.	PROPN
cblr-1739	713	3	190	190	NUM
cblr-1739	713	4	i	i	PROPN
cblr-1739	713	5	d.	d.	PROPN
cblr-1739	713	6	geslevich	geslevich	PROPN
cblr-1739	713	7	packin	packin	PROPN
cblr-1739	713	8	&	&	CCONJ
cblr-1739	713	9	lev	lev	PROPN
cblr-1739	713	10	-	-	PUNCT
cblr-1739	713	11	aretz	aretz	PROPN
cblr-1739	713	12	–	–	PUNCT
cblr-1739	713	13	final	final	ADJ
cblr-1739	713	14	no	no	NOUN
cblr-1739	713	15	.	.	PUNCT
cblr-1739	713	16	2:339	2:339	NUM
cblr-1739	713	17	]	]	X
cblr-1739	713	18	on	on	ADP
cblr-1739	713	19	social	social	ADJ
cblr-1739	713	20	credit	credit	NOUN
cblr-1739	713	21	389	389	NUM
cblr-1739	713	22	assume	assume	VERB
cblr-1739	713	23	the	the	DET
cblr-1739	713	24	information	information	NOUN
cblr-1739	713	25	collected	collect	VERB
cblr-1739	713	26	and	and	CCONJ
cblr-1739	713	27	the	the	DET
cblr-1739	713	28	financial	financial	ADJ
cblr-1739	713	29	grade	grade	NOUN
cblr-1739	713	30	of	of	ADP
cblr-1739	713	31	third	third	ADJ
cblr-1739	713	32	parties	party	NOUN
cblr-1739	713	33	is	be	AUX
cblr-1739	713	34	kept	keep	VERB
cblr-1739	713	35	and	and	CCONJ
cblr-1739	713	36	could	could	AUX
cblr-1739	713	37	be	be	AUX
cblr-1739	713	38	used	use	VERB
cblr-1739	713	39	for	for	ADP
cblr-1739	713	40	future	future	ADJ
cblr-1739	713	41	reference	reference	NOUN
cblr-1739	713	42	if	if	SCONJ
cblr-1739	713	43	the	the	DET
cblr-1739	713	44	third	third	ADJ
cblr-1739	713	45	party	party	NOUN
cblr-1739	713	46	decides	decide	VERB
cblr-1739	713	47	to	to	PART
cblr-1739	713	48	apply	apply	VERB
cblr-1739	713	49	for	for	ADP
cblr-1739	713	50	a	a	DET
cblr-1739	713	51	loan	loan	NOUN
cblr-1739	713	52	via	via	ADP
cblr-1739	713	53	a	a	DET
cblr-1739	713	54	social	social	ADJ
cblr-1739	713	55	credit	credit	NOUN
cblr-1739	713	56	system	system	NOUN
cblr-1739	713	57	.	.	PUNCT
cblr-1739	714	1	thus	thus	ADV
cblr-1739	714	2	,	,	PUNCT
cblr-1739	714	3	norms	norm	NOUN
cblr-1739	714	4	of	of	ADP
cblr-1739	714	5	appropriateness	appropriateness	NOUN
cblr-1739	714	6	are	be	AUX
cblr-1739	714	7	transgressed	transgress	VERB
cblr-1739	714	8	when	when	SCONJ
cblr-1739	714	9	lenders	lender	NOUN
cblr-1739	714	10	collect	collect	VERB
cblr-1739	714	11	and	and	CCONJ
cblr-1739	714	12	use	use	VERB
cblr-1739	714	13	information	information	NOUN
cblr-1739	714	14	shared	share	VERB
cblr-1739	714	15	in	in	ADP
cblr-1739	714	16	the	the	DET
cblr-1739	714	17	interest	interest	NOUN
cblr-1739	714	18	of	of	ADP
cblr-1739	714	19	online	online	ADJ
cblr-1739	714	20	socialization	socialization	NOUN
cblr-1739	714	21	for	for	ADP
cblr-1739	714	22	financial	financial	ADJ
cblr-1739	714	23	ranking	ranking	ADJ
cblr-1739	714	24	purposes	purpose	NOUN
cblr-1739	714	25	of	of	ADP
cblr-1739	714	26	others	other	NOUN
cblr-1739	714	27	and	and	CCONJ
cblr-1739	714	28	,	,	PUNCT
cblr-1739	714	29	possibly	possibly	ADV
cblr-1739	714	30	,	,	PUNCT
cblr-1739	714	31	of	of	ADP
cblr-1739	714	32	third	third	ADJ
cblr-1739	714	33	parties	party	NOUN
cblr-1739	714	34	as	as	ADV
cblr-1739	714	35	well	well	ADV
cblr-1739	714	36	.	.	PUNCT
cblr-1739	715	1	norms	norm	NOUN
cblr-1739	715	2	of	of	ADP
cblr-1739	715	3	information	information	NOUN
cblr-1739	715	4	flow	flow	NOUN
cblr-1739	715	5	are	be	AUX
cblr-1739	715	6	also	also	ADV
cblr-1739	715	7	breached	breach	VERB
cblr-1739	715	8	as	as	SCONJ
cblr-1739	715	9	third	third	ADJ
cblr-1739	715	10	parties	party	NOUN
cblr-1739	715	11	are	be	AUX
cblr-1739	715	12	generally	generally	ADV
cblr-1739	715	13	unaware	unaware	ADJ
cblr-1739	715	14	and	and	CCONJ
cblr-1739	715	15	have	have	AUX
cblr-1739	715	16	not	not	PART
cblr-1739	715	17	expected	expect	VERB
cblr-1739	715	18	such	such	ADJ
cblr-1739	715	19	use	use	NOUN
cblr-1739	715	20	of	of	ADP
cblr-1739	715	21	social	social	ADJ
cblr-1739	715	22	information	information	NOUN
cblr-1739	715	23	at	at	ADP
cblr-1739	715	24	the	the	DET
cblr-1739	715	25	specific	specific	ADJ
cblr-1739	715	26	point	point	NOUN
cblr-1739	715	27	of	of	ADP
cblr-1739	715	28	the	the	DET
cblr-1739	715	29	data	data	NOUN
cblr-1739	715	30	chain	chain	NOUN
cblr-1739	715	31	where	where	SCONJ
cblr-1739	715	32	the	the	DET
cblr-1739	715	33	risk	risk	NOUN
cblr-1739	715	34	analysis	analysis	NOUN
cblr-1739	715	35	takes	take	VERB
cblr-1739	715	36	place	place	NOUN
cblr-1739	715	37	.	.	PUNCT
cblr-1739	716	1	to	to	PART
cblr-1739	716	2	put	put	VERB
cblr-1739	716	3	it	it	PRON
cblr-1739	716	4	differently	differently	ADV
cblr-1739	716	5	,	,	PUNCT
cblr-1739	716	6	third	third	ADJ
cblr-1739	716	7	parties	party	NOUN
cblr-1739	716	8	’	'	PUNCT
cblr-1739	716	9	right	right	NOUN
cblr-1739	716	10	to	to	ADP
cblr-1739	716	11	privacy	privacy	NOUN
cblr-1739	716	12	is	be	AUX
cblr-1739	716	13	violated	violate	VERB
cblr-1739	716	14	due	due	ADP
cblr-1739	716	15	to	to	ADP
cblr-1739	716	16	the	the	DET
cblr-1739	716	17	unexpected	unexpected	ADJ
cblr-1739	716	18	flow	flow	NOUN
cblr-1739	716	19	of	of	ADP
cblr-1739	716	20	personal	personal	ADJ
cblr-1739	716	21	information	information	NOUN
cblr-1739	716	22	from	from	ADP
cblr-1739	716	23	entities	entity	NOUN
cblr-1739	716	24	that	that	SCONJ
cblr-1739	716	25	they	they	PRON
cblr-1739	716	26	reasonably	reasonably	ADV
cblr-1739	716	27	expect	expect	VERB
cblr-1739	716	28	to	to	PART
cblr-1739	716	29	collect	collect	VERB
cblr-1739	716	30	and	and	CCONJ
cblr-1739	716	31	use	use	VERB
cblr-1739	716	32	social	social	ADJ
cblr-1739	716	33	information	information	NOUN
cblr-1739	716	34	(	(	PUNCT
cblr-1739	716	35	e.g.	e.g.	ADV
cblr-1739	716	36	,	,	PUNCT
cblr-1739	716	37	social	social	ADJ
cblr-1739	716	38	networks	network	NOUN
cblr-1739	716	39	)	)	PUNCT
cblr-1739	716	40	to	to	ADP
cblr-1739	716	41	other	other	ADJ
cblr-1739	716	42	entities	entity	NOUN
cblr-1739	716	43	(	(	PUNCT
cblr-1739	716	44	e.g.	e.g.	ADV
cblr-1739	716	45	,	,	PUNCT
cblr-1739	716	46	marketplace	marketplace	NOUN
cblr-1739	716	47	lenders	lender	NOUN
cblr-1739	716	48	)	)	PUNCT
cblr-1739	716	49	that	that	PRON
cblr-1739	716	50	use	use	VERB
cblr-1739	716	51	the	the	DET
cblr-1739	716	52	same	same	ADJ
cblr-1739	716	53	information	information	NOUN
cblr-1739	716	54	to	to	PART
cblr-1739	716	55	gauge	gauge	VERB
cblr-1739	716	56	financial	financial	ADJ
cblr-1739	716	57	risk	risk	NOUN
cblr-1739	716	58	.	.	PUNCT
cblr-1739	717	1	the	the	DET
cblr-1739	717	2	contextual	contextual	ADJ
cblr-1739	717	3	integrity	integrity	NOUN
cblr-1739	717	4	theory	theory	NOUN
cblr-1739	717	5	is	be	AUX
cblr-1739	717	6	directly	directly	ADV
cblr-1739	717	7	dependent	dependent	ADJ
cblr-1739	717	8	on	on	ADP
cblr-1739	717	9	individual	individual	ADJ
cblr-1739	717	10	and	and	CCONJ
cblr-1739	717	11	societal	societal	ADJ
cblr-1739	717	12	privacy	privacy	NOUN
cblr-1739	717	13	expectations	expectation	NOUN
cblr-1739	717	14	,	,	PUNCT
cblr-1739	717	15	and	and	CCONJ
cblr-1739	717	16	those	those	PRON
cblr-1739	717	17	are	be	AUX
cblr-1739	717	18	highly	highly	ADV
cblr-1739	717	19	susceptible	susceptible	ADJ
cblr-1739	717	20	to	to	ADP
cblr-1739	717	21	changes	change	NOUN
cblr-1739	717	22	over	over	ADP
cblr-1739	717	23	time	time	NOUN
cblr-1739	717	24	.	.	PUNCT
cblr-1739	718	1	thus	thus	ADV
cblr-1739	718	2	,	,	PUNCT
cblr-1739	718	3	if	if	SCONJ
cblr-1739	718	4	social	social	ADJ
cblr-1739	718	5	credit	credit	NOUN
cblr-1739	718	6	systems	system	NOUN
cblr-1739	718	7	become	become	VERB
cblr-1739	718	8	widespread	widespread	ADJ
cblr-1739	718	9	,	,	PUNCT
cblr-1739	718	10	many	many	ADJ
cblr-1739	718	11	of	of	ADP
cblr-1739	718	12	the	the	DET
cblr-1739	718	13	arguments	argument	NOUN
cblr-1739	718	14	listed	list	VERB
cblr-1739	718	15	above	above	ADV
cblr-1739	718	16	would	would	AUX
cblr-1739	718	17	lose	lose	VERB
cblr-1739	718	18	much	much	ADJ
cblr-1739	718	19	of	of	ADP
cblr-1739	718	20	their	their	PRON
cblr-1739	718	21	strength	strength	NOUN
cblr-1739	718	22	because	because	SCONJ
cblr-1739	718	23	the	the	DET
cblr-1739	718	24	use	use	NOUN
cblr-1739	718	25	of	of	ADP
cblr-1739	718	26	social	social	ADJ
cblr-1739	718	27	information	information	NOUN
cblr-1739	718	28	for	for	ADP
cblr-1739	718	29	financial	financial	ADJ
cblr-1739	718	30	ranking	ranking	NOUN
cblr-1739	718	31	purposes	purpose	NOUN
cblr-1739	718	32	would	would	AUX
cblr-1739	718	33	no	no	ADV
cblr-1739	718	34	longer	long	ADV
cblr-1739	718	35	be	be	AUX
cblr-1739	718	36	utterly	utterly	ADV
cblr-1739	718	37	outside	outside	ADP
cblr-1739	718	38	the	the	DET
cblr-1739	718	39	purview	purview	NOUN
cblr-1739	718	40	of	of	ADP
cblr-1739	718	41	an	an	DET
cblr-1739	718	42	individual	individual	NOUN
cblr-1739	718	43	’s	’s	PART
cblr-1739	718	44	expectations	expectation	NOUN
cblr-1739	718	45	.	.	PUNCT
cblr-1739	719	1	the	the	DET
cblr-1739	719	2	more	more	ADJ
cblr-1739	719	3	people	people	NOUN
cblr-1739	719	4	turn	turn	VERB
cblr-1739	719	5	to	to	ADP
cblr-1739	719	6	those	those	DET
cblr-1739	719	7	alternative	alternative	ADJ
cblr-1739	719	8	lenders	lender	NOUN
cblr-1739	719	9	,	,	PUNCT
cblr-1739	719	10	the	the	PRON
cblr-1739	719	11	more	more	ADJ
cblr-1739	719	12	people	people	NOUN
cblr-1739	719	13	will	will	AUX
cblr-1739	719	14	be	be	AUX
cblr-1739	719	15	familiar	familiar	ADJ
cblr-1739	719	16	with	with	ADP
cblr-1739	719	17	social	social	ADJ
cblr-1739	719	18	credit	credit	NOUN
cblr-1739	719	19	services	service	NOUN
cblr-1739	719	20	.	.	PUNCT
cblr-1739	720	1	consequently	consequently	ADV
cblr-1739	720	2	,	,	PUNCT
cblr-1739	720	3	with	with	ADP
cblr-1739	720	4	online	online	ADJ
cblr-1739	720	5	socialization	socialization	NOUN
cblr-1739	720	6	frequently	frequently	ADV
cblr-1739	720	7	factored	factor	VERB
cblr-1739	720	8	into	into	ADP
cblr-1739	720	9	financial	financial	ADJ
cblr-1739	720	10	risk	risk	NOUN
cblr-1739	720	11	determinations	determination	NOUN
cblr-1739	720	12	,	,	PUNCT
cblr-1739	720	13	an	an	DET
cblr-1739	720	14	argument	argument	NOUN
cblr-1739	720	15	that	that	PRON
cblr-1739	720	16	condemns	condemn	VERB
cblr-1739	720	17	such	such	ADJ
cblr-1739	720	18	practice	practice	NOUN
cblr-1739	720	19	based	base	VERB
cblr-1739	720	20	on	on	ADP
cblr-1739	720	21	unexpected	unexpected	ADJ
cblr-1739	720	22	information	information	NOUN
cblr-1739	720	23	flow	flow	NOUN
cblr-1739	720	24	would	would	AUX
cblr-1739	720	25	be	be	AUX
cblr-1739	720	26	unpersuasive	unpersuasive	ADJ
cblr-1739	720	27	at	at	ADP
cblr-1739	720	28	best	good	ADJ
cblr-1739	720	29	.	.	PUNCT
cblr-1739	721	1	2	2	X
cblr-1739	721	2	.	.	X
cblr-1739	721	3	social	social	ADJ
cblr-1739	721	4	network	network	NOUN
cblr-1739	721	5	theory	theory	NOUN
cblr-1739	721	6	of	of	ADP
cblr-1739	721	7	privacy	privacy	NOUN
cblr-1739	721	8	another	another	DET
cblr-1739	721	9	guiding	guiding	NOUN
cblr-1739	721	10	theory	theory	NOUN
cblr-1739	721	11	,	,	PUNCT
cblr-1739	721	12	which	which	PRON
cblr-1739	721	13	rests	rest	VERB
cblr-1739	721	14	on	on	ADP
cblr-1739	721	15	similar	similar	ADJ
cblr-1739	721	16	fundamental	fundamental	ADJ
cblr-1739	721	17	assumptions	assumption	NOUN
cblr-1739	721	18	,	,	PUNCT
cblr-1739	721	19	is	be	AUX
cblr-1739	721	20	lior	lior	PROPN
cblr-1739	721	21	j.	j.	PROPN
cblr-1739	721	22	strahilevitz	strahilevitz	PROPN
cblr-1739	721	23	’s	’s	PART
cblr-1739	721	24	social	social	ADJ
cblr-1739	721	25	network	network	NOUN
cblr-1739	721	26	theory	theory	NOUN
cblr-1739	721	27	of	of	ADP
cblr-1739	721	28	privacy.191	privacy.191	PROPN
cblr-1739	721	29	it	it	PRON
cblr-1739	721	30	,	,	PUNCT
cblr-1739	721	31	too	too	ADV
cblr-1739	721	32	,	,	PUNCT
cblr-1739	721	33	looks	look	VERB
cblr-1739	721	34	closely	closely	ADV
cblr-1739	721	35	at	at	ADP
cblr-1739	721	36	191	191	NUM
cblr-1739	721	37	lior	lior	PROPN
cblr-1739	721	38	jacob	jacob	PROPN
cblr-1739	721	39	strahilevitz	strahilevitz	PROPN
cblr-1739	721	40	,	,	PUNCT
cblr-1739	721	41	a	a	DET
cblr-1739	721	42	social	social	ADJ
cblr-1739	721	43	networks	network	NOUN
cblr-1739	721	44	theory	theory	NOUN
cblr-1739	721	45	of	of	ADP
cblr-1739	721	46	privacy	privacy	NOUN
cblr-1739	721	47	,	,	PUNCT
cblr-1739	721	48	72	72	NUM
cblr-1739	721	49	u.	u.	NOUN
cblr-1739	721	50	chi	chi	PROPN
cblr-1739	721	51	.	.	PUNCT
cblr-1739	722	1	l.	l.	PROPN
cblr-1739	722	2	rev	rev	PROPN
cblr-1739	722	3	.	.	PROPN
cblr-1739	722	4	919	919	NUM
cblr-1739	722	5	(	(	PUNCT
cblr-1739	722	6	2005	2005	NUM
cblr-1739	722	7	)	)	PUNCT
cblr-1739	722	8	.	.	PUNCT
cblr-1739	723	1	importantly	importantly	ADV
cblr-1739	723	2	,	,	PUNCT
cblr-1739	723	3	notwithstanding	notwithstanding	ADP
cblr-1739	723	4	the	the	DET
cblr-1739	723	5	clear	clear	ADJ
cblr-1739	723	6	reference	reference	NOUN
cblr-1739	723	7	to	to	ADP
cblr-1739	723	8	what	what	PRON
cblr-1739	723	9	we	we	PRON
cblr-1739	723	10	today	today	NOUN
cblr-1739	723	11	call	call	VERB
cblr-1739	723	12	“	"	PUNCT
cblr-1739	723	13	social	social	ADJ
cblr-1739	723	14	networks	network	NOUN
cblr-1739	723	15	,	,	PUNCT
cblr-1739	723	16	”	"	PUNCT
cblr-1739	723	17	this	this	DET
cblr-1739	723	18	theory	theory	NOUN
cblr-1739	723	19	is	be	AUX
cblr-1739	723	20	based	base	VERB
cblr-1739	723	21	on	on	ADP
cblr-1739	723	22	ongoing	ongoing	ADJ
cblr-1739	723	23	geslevich	geslevich	NOUN
cblr-1739	723	24	packin	packin	PROPN
cblr-1739	723	25	&	&	CCONJ
cblr-1739	723	26	lev	lev	PROPN
cblr-1739	723	27	-	-	PUNCT
cblr-1739	723	28	aretz	aretz	PROPN
cblr-1739	723	29	–	–	PUNCT
cblr-1739	723	30	final	final	ADJ
cblr-1739	723	31	390	390	NUM
cblr-1739	723	32	columbia	columbia	PROPN
cblr-1739	723	33	business	business	NOUN
cblr-1739	723	34	law	law	PROPN
cblr-1739	723	35	review	review	NOUN
cblr-1739	724	1	[	[	X
cblr-1739	724	2	vol	vol	NOUN
cblr-1739	724	3	.	.	NOUN
cblr-1739	724	4	2016	2016	NUM
cblr-1739	724	5	reasonable	reasonable	ADJ
cblr-1739	724	6	privacy	privacy	NOUN
cblr-1739	724	7	expectations	expectation	NOUN
cblr-1739	724	8	given	give	VERB
cblr-1739	724	9	the	the	DET
cblr-1739	724	10	context	context	NOUN
cblr-1739	724	11	of	of	ADP
cblr-1739	724	12	the	the	DET
cblr-1739	724	13	initial	initial	ADJ
cblr-1739	724	14	disclosure	disclosure	NOUN
cblr-1739	724	15	by	by	ADP
cblr-1739	724	16	applying	apply	VERB
cblr-1739	724	17	predictive	predictive	ADJ
cblr-1739	724	18	social	social	ADJ
cblr-1739	724	19	analytics	analytic	NOUN
cblr-1739	724	20	and	and	CCONJ
cblr-1739	724	21	advocating	advocate	VERB
cblr-1739	724	22	that	that	SCONJ
cblr-1739	724	23	courts	court	NOUN
cblr-1739	724	24	use	use	VERB
cblr-1739	724	25	the	the	DET
cblr-1739	724	26	same	same	ADJ
cblr-1739	724	27	analytics	analytic	NOUN
cblr-1739	724	28	.	.	PUNCT
cblr-1739	725	1	specifically	specifically	ADV
cblr-1739	725	2	,	,	PUNCT
cblr-1739	725	3	strahilevitz	strahilevitz	PROPN
cblr-1739	725	4	argues	argue	VERB
cblr-1739	725	5	that	that	SCONJ
cblr-1739	725	6	the	the	DET
cblr-1739	725	7	nature	nature	NOUN
cblr-1739	725	8	of	of	ADP
cblr-1739	725	9	the	the	DET
cblr-1739	725	10	information	information	NOUN
cblr-1739	725	11	shared	share	VERB
cblr-1739	725	12	as	as	ADV
cblr-1739	725	13	well	well	ADV
cblr-1739	725	14	as	as	ADP
cblr-1739	725	15	the	the	DET
cblr-1739	725	16	subject	subject	NOUN
cblr-1739	725	17	of	of	ADP
cblr-1739	725	18	disclosure	disclosure	NOUN
cblr-1739	725	19	can	can	AUX
cblr-1739	725	20	determine	determine	VERB
cblr-1739	725	21	to	to	ADP
cblr-1739	725	22	what	what	DET
cblr-1739	725	23	extent	extent	NOUN
cblr-1739	725	24	the	the	DET
cblr-1739	725	25	information	information	NOUN
cblr-1739	725	26	is	be	AUX
cblr-1739	725	27	likely	likely	ADJ
cblr-1739	725	28	to	to	PART
cblr-1739	725	29	be	be	AUX
cblr-1739	725	30	disseminated	disseminate	VERB
cblr-1739	725	31	outside	outside	ADP
cblr-1739	725	32	of	of	ADP
cblr-1739	725	33	the	the	DET
cblr-1739	725	34	original	original	ADJ
cblr-1739	725	35	group	group	NOUN
cblr-1739	725	36	of	of	ADP
cblr-1739	725	37	recipients	recipient	NOUN
cblr-1739	725	38	and	and	CCONJ
cblr-1739	725	39	accordingly	accordingly	ADV
cblr-1739	725	40	to	to	ADP
cblr-1739	725	41	what	what	DET
cblr-1739	725	42	extent	extent	NOUN
cblr-1739	725	43	such	such	ADJ
cblr-1739	725	44	dissemination	dissemination	NOUN
cblr-1739	725	45	could	could	AUX
cblr-1739	725	46	reasonably	reasonably	ADV
cblr-1739	725	47	give	give	VERB
cblr-1739	725	48	rise	rise	NOUN
cblr-1739	725	49	to	to	ADP
cblr-1739	725	50	privacy	privacy	NOUN
cblr-1739	725	51	violation	violation	NOUN
cblr-1739	725	52	claims.192	claims.192	NOUN
cblr-1739	725	53	he	he	PRON
cblr-1739	725	54	lists	list	VERB
cblr-1739	725	55	predictive	predictive	ADJ
cblr-1739	725	56	factors	factor	NOUN
cblr-1739	725	57	to	to	PART
cblr-1739	725	58	help	help	VERB
cblr-1739	725	59	courts	court	NOUN
cblr-1739	725	60	establish	establish	VERB
cblr-1739	725	61	whether	whether	SCONJ
cblr-1739	725	62	,	,	PUNCT
cblr-1739	725	63	when	when	SCONJ
cblr-1739	725	64	the	the	DET
cblr-1739	725	65	information	information	NOUN
cblr-1739	725	66	was	be	AUX
cblr-1739	725	67	initially	initially	ADV
cblr-1739	725	68	shared	share	VERB
cblr-1739	725	69	,	,	PUNCT
cblr-1739	725	70	it	it	PRON
cblr-1739	725	71	was	be	AUX
cblr-1739	725	72	likely	likely	ADJ
cblr-1739	725	73	to	to	PART
cblr-1739	725	74	have	have	AUX
cblr-1739	725	75	been	be	AUX
cblr-1739	725	76	further	far	ADV
cblr-1739	725	77	disseminated	disseminate	VERB
cblr-1739	725	78	regardless	regardless	ADV
cblr-1739	725	79	of	of	ADP
cblr-1739	725	80	any	any	DET
cblr-1739	725	81	subsequent	subsequent	ADJ
cblr-1739	725	82	disclosure.193	disclosure.193	NOUN
cblr-1739	725	83	for	for	ADP
cblr-1739	725	84	example	example	NOUN
cblr-1739	725	85	,	,	PUNCT
cblr-1739	725	86	the	the	DET
cblr-1739	725	87	more	more	ADV
cblr-1739	725	88	interesting	interesting	ADJ
cblr-1739	725	89	,	,	PUNCT
cblr-1739	725	90	surprising	surprising	ADJ
cblr-1739	725	91	,	,	PUNCT
cblr-1739	725	92	novel	novel	NOUN
cblr-1739	725	93	,	,	PUNCT
cblr-1739	725	94	revealing	revealing	ADJ
cblr-1739	725	95	,	,	PUNCT
cblr-1739	725	96	or	or	CCONJ
cblr-1739	725	97	entertaining	entertain	VERB
cblr-1739	725	98	a	a	DET
cblr-1739	725	99	particular	particular	ADJ
cblr-1739	725	100	piece	piece	NOUN
cblr-1739	725	101	of	of	ADP
cblr-1739	725	102	information	information	NOUN
cblr-1739	725	103	is	be	AUX
cblr-1739	725	104	,	,	PUNCT
cblr-1739	725	105	the	the	PRON
cblr-1739	725	106	more	more	ADV
cblr-1739	725	107	an	an	DET
cblr-1739	725	108	individual	individual	NOUN
cblr-1739	725	109	should	should	AUX
cblr-1739	725	110	reasonably	reasonably	ADV
cblr-1739	725	111	expect	expect	VERB
cblr-1739	725	112	it	it	PRON
cblr-1739	725	113	will	will	AUX
cblr-1739	725	114	be	be	AUX
cblr-1739	725	115	disseminated	disseminate	VERB
cblr-1739	725	116	through	through	ADP
cblr-1739	725	117	a	a	DET
cblr-1739	725	118	network.194	network.194	NOUN
cblr-1739	725	119	conversely	conversely	ADV
cblr-1739	725	120	,	,	PUNCT
cblr-1739	725	121	it	it	PRON
cblr-1739	725	122	is	be	AUX
cblr-1739	725	123	fairly	fairly	ADV
cblr-1739	725	124	difficult	difficult	ADJ
cblr-1739	725	125	to	to	PART
cblr-1739	725	126	effectively	effectively	ADV
cblr-1739	725	127	aggregate	aggregate	VERB
cblr-1739	725	128	and	and	CCONJ
cblr-1739	725	129	analyze	analyze	VERB
cblr-1739	725	130	complex	complex	ADJ
cblr-1739	725	131	information	information	NOUN
cblr-1739	725	132	through	through	ADP
cblr-1739	725	133	weak	weak	ADJ
cblr-1739	725	134	ties	tie	NOUN
cblr-1739	725	135	,	,	PUNCT
cblr-1739	725	136	thus	thus	ADV
cblr-1739	725	137	these	these	DET
cblr-1739	725	138	kinds	kind	NOUN
cblr-1739	725	139	of	of	ADP
cblr-1739	725	140	details	detail	NOUN
cblr-1739	725	141	are	be	AUX
cblr-1739	725	142	likely	likely	ADJ
cblr-1739	725	143	to	to	PART
cblr-1739	725	144	stay	stay	VERB
cblr-1739	725	145	confidential.195	confidential.195	ADJ
cblr-1739	725	146	when	when	SCONJ
cblr-1739	725	147	highly	highly	ADV
cblr-1739	725	148	connected	connected	ADJ
cblr-1739	725	149	individuals	individual	NOUN
cblr-1739	725	150	,	,	PUNCT
cblr-1739	725	151	which	which	DET
cblr-1739	725	152	strahilevitz	strahilevitz	NOUN
cblr-1739	725	153	refers	refer	VERB
cblr-1739	725	154	to	to	ADP
cblr-1739	725	155	as	as	ADP
cblr-1739	725	156	“	"	PUNCT
cblr-1739	725	157	supernodes	supernode	NOUN
cblr-1739	725	158	,	,	PUNCT
cblr-1739	725	159	”	"	PUNCT
cblr-1739	725	160	disclose	disclose	VERB
cblr-1739	725	161	information	information	NOUN
cblr-1739	725	162	,	,	PUNCT
cblr-1739	725	163	the	the	DET
cblr-1739	725	164	number	number	NOUN
cblr-1739	725	165	of	of	ADP
cblr-1739	725	166	people	people	NOUN
cblr-1739	725	167	exposed	expose	VERB
cblr-1739	725	168	to	to	ADP
cblr-1739	725	169	the	the	DET
cblr-1739	725	170	information	information	NOUN
cblr-1739	725	171	increases	increase	NOUN
cblr-1739	725	172	and	and	CCONJ
cblr-1739	725	173	so	so	ADV
cblr-1739	725	174	does	do	VERB
cblr-1739	725	175	the	the	DET
cblr-1739	725	176	likelihood	likelihood	NOUN
cblr-1739	725	177	that	that	SCONJ
cblr-1739	725	178	the	the	DET
cblr-1739	725	179	information	information	NOUN
cblr-1739	725	180	crosses	crosse	NOUN
cblr-1739	725	181	networks	network	NOUN
cblr-1739	725	182	and	and	CCONJ
cblr-1739	725	183	reaches	reach	VERB
cblr-1739	725	184	individuals	individual	NOUN
cblr-1739	725	185	beyond	beyond	ADP
cblr-1739	725	186	the	the	DET
cblr-1739	725	187	initial	initial	NOUN
cblr-1739	725	188	group.196	group.196	ADV
cblr-1739	725	189	under	under	ADP
cblr-1739	725	190	the	the	DET
cblr-1739	725	191	social	social	ADJ
cblr-1739	725	192	network	network	NOUN
cblr-1739	725	193	theory	theory	NOUN
cblr-1739	725	194	of	of	ADP
cblr-1739	725	195	privacy	privacy	NOUN
cblr-1739	725	196	,	,	PUNCT
cblr-1739	725	197	the	the	DET
cblr-1739	725	198	use	use	NOUN
cblr-1739	725	199	of	of	ADP
cblr-1739	725	200	social	social	ADJ
cblr-1739	725	201	information	information	NOUN
cblr-1739	725	202	for	for	ADP
cblr-1739	725	203	financial	financial	ADJ
cblr-1739	725	204	ranking	ranking	NOUN
cblr-1739	725	205	purposes	purpose	NOUN
cblr-1739	725	206	can	can	AUX
cblr-1739	725	207	not	not	PART
cblr-1739	725	208	ground	ground	VERB
cblr-1739	725	209	a	a	DET
cblr-1739	725	210	valid	valid	ADJ
cblr-1739	725	211	privacy	privacy	NOUN
cblr-1739	725	212	violation	violation	NOUN
cblr-1739	725	213	claim	claim	NOUN
cblr-1739	725	214	from	from	ADP
cblr-1739	725	215	a	a	DET
cblr-1739	725	216	loan	loan	NOUN
cblr-1739	725	217	seeker	seeker	NOUN
cblr-1739	725	218	’s	’s	PART
cblr-1739	725	219	perspective	perspective	NOUN
cblr-1739	725	220	.	.	PUNCT
cblr-1739	726	1	the	the	DET
cblr-1739	726	2	loan	loan	NOUN
cblr-1739	726	3	seeker	seeker	NOUN
cblr-1739	726	4	,	,	PUNCT
cblr-1739	726	5	in	in	ADP
cblr-1739	726	6	this	this	DET
cblr-1739	726	7	respect	respect	NOUN
cblr-1739	726	8	,	,	PUNCT
cblr-1739	726	9	acts	act	VERB
cblr-1739	726	10	as	as	ADP
cblr-1739	726	11	a	a	DET
cblr-1739	726	12	supernode	supernode	NOUN
cblr-1739	726	13	—	—	PUNCT
cblr-1739	726	14	disseminating	disseminate	VERB
cblr-1739	726	15	and	and	CCONJ
cblr-1739	726	16	authorizing	authorize	VERB
cblr-1739	726	17	the	the	DET
cblr-1739	726	18	use	use	NOUN
cblr-1739	726	19	of	of	ADP
cblr-1739	726	20	personal	personal	ADJ
cblr-1739	726	21	information	information	NOUN
cblr-1739	726	22	about	about	ADP
cblr-1739	726	23	her	she	PRON
cblr-1739	726	24	in	in	ADP
cblr-1739	726	25	return	return	NOUN
cblr-1739	726	26	for	for	ADP
cblr-1739	726	27	an	an	DET
cblr-1739	726	28	economic	economic	ADJ
cblr-1739	726	29	reward	reward	NOUN
cblr-1739	726	30	.	.	PUNCT
cblr-1739	727	1	third	third	ADJ
cblr-1739	727	2	parties	party	NOUN
cblr-1739	727	3	,	,	PUNCT
cblr-1739	727	4	however	however	ADV
cblr-1739	727	5	,	,	PUNCT
cblr-1739	727	6	who	who	PRON
cblr-1739	727	7	are	be	AUX
cblr-1739	727	8	not	not	PART
cblr-1739	727	9	directly	directly	ADV
cblr-1739	727	10	involved	involve	VERB
cblr-1739	727	11	in	in	ADP
cblr-1739	727	12	the	the	DET
cblr-1739	727	13	transaction	transaction	NOUN
cblr-1739	727	14	and	and	CCONJ
cblr-1739	727	15	are	be	AUX
cblr-1739	727	16	generally	generally	ADV
cblr-1739	727	17	unaware	unaware	ADJ
cblr-1739	727	18	of	of	ADP
cblr-1739	727	19	the	the	DET
cblr-1739	727	20	research	research	NOUN
cblr-1739	727	21	in	in	ADP
cblr-1739	727	22	social	social	ADJ
cblr-1739	727	23	network	network	NOUN
cblr-1739	727	24	theory	theory	NOUN
cblr-1739	727	25	and	and	CCONJ
cblr-1739	727	26	does	do	AUX
cblr-1739	727	27	not	not	PART
cblr-1739	727	28	specifically	specifically	ADV
cblr-1739	727	29	analyze	analyze	VERB
cblr-1739	727	30	online	online	ADJ
cblr-1739	727	31	social	social	ADJ
cblr-1739	727	32	media	medium	NOUN
cblr-1739	727	33	.	.	PUNCT
cblr-1739	728	1	192	192	NUM
cblr-1739	729	1	i	i	PRON
cblr-1739	729	2	d.	d.	PROPN
cblr-1739	729	3	193	193	NUM
cblr-1739	730	1	i	i	PRON
cblr-1739	730	2	d.	d.	PROPN
cblr-1739	730	3	at	at	ADP
cblr-1739	730	4	970–71	970–71	PROPN
cblr-1739	730	5	.	.	PUNCT
cblr-1739	731	1	194	194	NUM
cblr-1739	732	1	i	i	PRON
cblr-1739	732	2	d.	d.	PROPN
cblr-1739	732	3	at	at	ADP
cblr-1739	732	4	972	972	NUM
cblr-1739	732	5	.	.	PROPN
cblr-1739	732	6	195	195	NUM
cblr-1739	732	7	i	i	NOUN
cblr-1739	732	8	d.	d.	NOUN
cblr-1739	732	9	at	at	ADP
cblr-1739	732	10	971	971	NUM
cblr-1739	732	11	.	.	PUNCT
cblr-1739	733	1	196	196	NUM
cblr-1739	734	1	i	i	PRON
cblr-1739	734	2	d.	d.	PROPN
cblr-1739	734	3	at	at	ADP
cblr-1739	734	4	975	975	NUM
cblr-1739	734	5	.	.	PUNCT
cblr-1739	735	1	geslevich	geslevich	PROPN
cblr-1739	735	2	packin	packin	PROPN
cblr-1739	735	3	&	&	CCONJ
cblr-1739	735	4	lev	lev	PROPN
cblr-1739	735	5	-	-	PUNCT
cblr-1739	735	6	aretz	aretz	PROPN
cblr-1739	735	7	–	–	PUNCT
cblr-1739	735	8	final	final	ADJ
cblr-1739	735	9	no	no	NOUN
cblr-1739	735	10	.	.	PUNCT
cblr-1739	736	1	2:339	2:339	NUM
cblr-1739	736	2	]	]	X
cblr-1739	736	3	on	on	ADP
cblr-1739	736	4	social	social	ADJ
cblr-1739	736	5	credit	credit	NOUN
cblr-1739	736	6	391	391	NUM
cblr-1739	736	7	use	use	NOUN
cblr-1739	736	8	,	,	PUNCT
cblr-1739	736	9	would	would	AUX
cblr-1739	736	10	have	have	VERB
cblr-1739	736	11	a	a	DET
cblr-1739	736	12	valid	valid	ADJ
cblr-1739	736	13	breach	breach	NOUN
cblr-1739	736	14	of	of	ADP
cblr-1739	736	15	privacy	privacy	NOUN
cblr-1739	736	16	claim	claim	NOUN
cblr-1739	736	17	under	under	ADP
cblr-1739	736	18	the	the	DET
cblr-1739	736	19	theory	theory	NOUN
cblr-1739	736	20	.	.	PUNCT
cblr-1739	737	1	much	much	ADV
cblr-1739	737	2	like	like	ADP
cblr-1739	737	3	the	the	DET
cblr-1739	737	4	contextual	contextual	ADJ
cblr-1739	737	5	integrity	integrity	NOUN
cblr-1739	737	6	argument	argument	NOUN
cblr-1739	737	7	,	,	PUNCT
cblr-1739	737	8	the	the	DET
cblr-1739	737	9	analysis	analysis	NOUN
cblr-1739	737	10	here	here	ADV
cblr-1739	737	11	revolves	revolve	VERB
cblr-1739	737	12	around	around	ADP
cblr-1739	737	13	users	user	NOUN
cblr-1739	737	14	’	’	PART
cblr-1739	737	15	expectations	expectation	NOUN
cblr-1739	737	16	:	:	PUNCT
cblr-1739	737	17	when	when	SCONJ
cblr-1739	737	18	signing	sign	VERB
cblr-1739	737	19	up	up	ADP
cblr-1739	737	20	to	to	ADP
cblr-1739	737	21	a	a	DET
cblr-1739	737	22	social	social	ADJ
cblr-1739	737	23	network	network	NOUN
cblr-1739	737	24	or	or	CCONJ
cblr-1739	737	25	otherwise	otherwise	ADV
cblr-1739	737	26	socially	socially	ADV
cblr-1739	737	27	interacting	interact	VERB
cblr-1739	737	28	online	online	ADV
cblr-1739	737	29	,	,	PUNCT
cblr-1739	737	30	one	one	PRON
cblr-1739	737	31	could	could	AUX
cblr-1739	737	32	rarely	rarely	ADV
cblr-1739	737	33	anticipate	anticipate	VERB
cblr-1739	737	34	information	information	NOUN
cblr-1739	737	35	about	about	ADP
cblr-1739	737	36	her	her	PRON
cblr-1739	737	37	online	online	ADJ
cblr-1739	737	38	social	social	ADJ
cblr-1739	737	39	whereabouts	whereabouts	NOUN
cblr-1739	737	40	to	to	PART
cblr-1739	737	41	go	go	VERB
cblr-1739	737	42	rampant	rampant	ADJ
cblr-1739	737	43	.	.	PUNCT
cblr-1739	738	1	she	she	PRON
cblr-1739	738	2	could	could	AUX
cblr-1739	738	3	certainly	certainly	ADV
cblr-1739	738	4	rarely	rarely	ADV
cblr-1739	738	5	anticipate	anticipate	VERB
cblr-1739	738	6	this	this	DET
cblr-1739	738	7	information	information	NOUN
cblr-1739	738	8	to	to	PART
cblr-1739	738	9	be	be	AUX
cblr-1739	738	10	used	use	VERB
cblr-1739	738	11	to	to	PART
cblr-1739	738	12	financially	financially	ADV
cblr-1739	738	13	rank	rank	VERB
cblr-1739	738	14	others	other	NOUN
cblr-1739	738	15	and	and	CCONJ
cblr-1739	738	16	,	,	PUNCT
cblr-1739	738	17	potentially	potentially	ADV
cblr-1739	738	18	,	,	PUNCT
cblr-1739	738	19	even	even	ADV
cblr-1739	738	20	herself	herself	PRON
cblr-1739	738	21	.	.	PUNCT
cblr-1739	739	1	if	if	SCONJ
cblr-1739	739	2	the	the	DET
cblr-1739	739	3	lender	lender	NOUN
cblr-1739	739	4	conducts	conduct	VERB
cblr-1739	739	5	information	information	NOUN
cblr-1739	739	6	mining	mining	NOUN
cblr-1739	739	7	using	use	VERB
cblr-1739	739	8	the	the	DET
cblr-1739	739	9	loan	loan	NOUN
cblr-1739	739	10	seeker	seeker	NOUN
cblr-1739	739	11	’s	’s	PART
cblr-1739	739	12	login	login	NOUN
cblr-1739	739	13	passcode	passcode	NOUN
cblr-1739	739	14	,	,	PUNCT
cblr-1739	739	15	a	a	DET
cblr-1739	739	16	third	third	ADJ
cblr-1739	739	17	party	party	NOUN
cblr-1739	739	18	privacy	privacy	NOUN
cblr-1739	739	19	violation	violation	NOUN
cblr-1739	739	20	claim	claim	NOUN
cblr-1739	739	21	is	be	AUX
cblr-1739	739	22	further	far	ADV
cblr-1739	739	23	reinforced	reinforce	VERB
cblr-1739	739	24	.	.	PUNCT
cblr-1739	740	1	naturally	naturally	ADV
cblr-1739	740	2	,	,	PUNCT
cblr-1739	740	3	an	an	DET
cblr-1739	740	4	application	application	NOUN
cblr-1739	740	5	of	of	ADP
cblr-1739	740	6	the	the	DET
cblr-1739	740	7	social	social	ADJ
cblr-1739	740	8	network	network	NOUN
cblr-1739	740	9	theory	theory	NOUN
cblr-1739	740	10	of	of	ADP
cblr-1739	740	11	privacy	privacy	NOUN
cblr-1739	740	12	to	to	ADP
cblr-1739	740	13	social	social	ADJ
cblr-1739	740	14	credit	credit	NOUN
cblr-1739	740	15	systems	system	NOUN
cblr-1739	740	16	depends	depend	VERB
cblr-1739	740	17	on	on	ADP
cblr-1739	740	18	the	the	DET
cblr-1739	740	19	specific	specific	ADJ
cblr-1739	740	20	circumstances	circumstance	NOUN
cblr-1739	740	21	.	.	PUNCT
cblr-1739	741	1	it	it	PRON
cblr-1739	741	2	requires	require	VERB
cblr-1739	741	3	an	an	DET
cblr-1739	741	4	in	in	ADP
cblr-1739	741	5	-	-	PUNCT
cblr-1739	741	6	depth	depth	NOUN
cblr-1739	741	7	examination	examination	NOUN
cblr-1739	741	8	of	of	ADP
cblr-1739	741	9	the	the	DET
cblr-1739	741	10	social	social	ADJ
cblr-1739	741	11	credit	credit	NOUN
cblr-1739	741	12	system	system	NOUN
cblr-1739	741	13	used	use	VERB
cblr-1739	741	14	,	,	PUNCT
cblr-1739	741	15	its	its	PRON
cblr-1739	741	16	users	user	NOUN
cblr-1739	741	17	,	,	PUNCT
cblr-1739	741	18	how	how	SCONJ
cblr-1739	741	19	popular	popular	ADJ
cblr-1739	741	20	it	it	PRON
cblr-1739	741	21	is	be	AUX
cblr-1739	741	22	and	and	CCONJ
cblr-1739	741	23	among	among	ADP
cblr-1739	741	24	which	which	PRON
cblr-1739	741	25	populations	population	NOUN
cblr-1739	741	26	,	,	PUNCT
cblr-1739	741	27	the	the	DET
cblr-1739	741	28	algorithm	algorithm	NOUN
cblr-1739	741	29	employed	employ	VERB
cblr-1739	741	30	,	,	PUNCT
cblr-1739	741	31	the	the	DET
cblr-1739	741	32	weight	weight	NOUN
cblr-1739	741	33	given	give	VERB
cblr-1739	741	34	to	to	ADP
cblr-1739	741	35	social	social	ADJ
cblr-1739	741	36	factors	factor	NOUN
cblr-1739	741	37	in	in	ADP
cblr-1739	741	38	the	the	DET
cblr-1739	741	39	overall	overall	ADJ
cblr-1739	741	40	calculation	calculation	NOUN
cblr-1739	741	41	,	,	PUNCT
cblr-1739	741	42	and	and	CCONJ
cblr-1739	741	43	more	more	ADJ
cblr-1739	741	44	.	.	PUNCT
cblr-1739	742	1	one	one	NUM
cblr-1739	742	2	interesting	interesting	ADJ
cblr-1739	742	3	point	point	NOUN
cblr-1739	742	4	to	to	PART
cblr-1739	742	5	note	note	VERB
cblr-1739	742	6	,	,	PUNCT
cblr-1739	742	7	however	however	ADV
cblr-1739	742	8	,	,	PUNCT
cblr-1739	742	9	is	be	AUX
cblr-1739	742	10	that	that	SCONJ
cblr-1739	742	11	initially	initially	ADV
cblr-1739	742	12	social	social	ADJ
cblr-1739	742	13	credit	credit	NOUN
cblr-1739	742	14	systems	system	NOUN
cblr-1739	742	15	targeted	target	VERB
cblr-1739	742	16	young	young	ADJ
cblr-1739	742	17	individuals	individual	NOUN
cblr-1739	742	18	,	,	PUNCT
cblr-1739	742	19	who	who	PRON
cblr-1739	742	20	perhaps	perhaps	ADV
cblr-1739	742	21	lacked	lack	VERB
cblr-1739	742	22	financial	financial	ADJ
cblr-1739	742	23	history	history	NOUN
cblr-1739	742	24	but	but	CCONJ
cblr-1739	742	25	exhibited	exhibit	VERB
cblr-1739	742	26	impressive	impressive	ADJ
cblr-1739	742	27	social	social	ADJ
cblr-1739	742	28	credentials	credential	NOUN
cblr-1739	742	29	,	,	PUNCT
cblr-1739	742	30	such	such	ADJ
cblr-1739	742	31	as	as	ADP
cblr-1739	742	32	a	a	DET
cblr-1739	742	33	significant	significant	ADJ
cblr-1739	742	34	communal	communal	ADJ
cblr-1739	742	35	or	or	CCONJ
cblr-1739	742	36	political	political	ADJ
cblr-1739	742	37	pursuit	pursuit	NOUN
cblr-1739	742	38	,	,	PUNCT
cblr-1739	742	39	a	a	DET
cblr-1739	742	40	large	large	ADJ
cblr-1739	742	41	number	number	NOUN
cblr-1739	742	42	of	of	ADP
cblr-1739	742	43	friends	friend	NOUN
cblr-1739	742	44	,	,	PUNCT
cblr-1739	742	45	high	high	ADJ
cblr-1739	742	46	frequency	frequency	NOUN
cblr-1739	742	47	exchanges	exchange	NOUN
cblr-1739	742	48	,	,	PUNCT
cblr-1739	742	49	and	and	CCONJ
cblr-1739	742	50	deep	deep	ADJ
cblr-1739	742	51	online	online	ADJ
cblr-1739	742	52	social	social	ADJ
cblr-1739	742	53	interactions	interaction	NOUN
cblr-1739	742	54	.	.	PUNCT
cblr-1739	743	1	those	those	DET
cblr-1739	743	2	individuals	individual	NOUN
cblr-1739	743	3	fit	fit	VERB
cblr-1739	743	4	neatly	neatly	ADV
cblr-1739	743	5	within	within	ADP
cblr-1739	743	6	the	the	DET
cblr-1739	743	7	description	description	NOUN
cblr-1739	743	8	of	of	ADP
cblr-1739	743	9	the	the	DET
cblr-1739	743	10	supernode	supernode	NOUN
cblr-1739	743	11	category	category	NOUN
cblr-1739	743	12	,	,	PUNCT
cblr-1739	743	13	which	which	PRON
cblr-1739	743	14	consists	consist	VERB
cblr-1739	743	15	of	of	ADP
cblr-1739	743	16	individuals	individual	NOUN
cblr-1739	743	17	who	who	PRON
cblr-1739	743	18	“	"	PUNCT
cblr-1739	743	19	tend	tend	VERB
cblr-1739	743	20	to	to	PART
cblr-1739	743	21	be	be	AUX
cblr-1739	743	22	happier	happy	ADJ
cblr-1739	743	23	and	and	CCONJ
cblr-1739	743	24	better	well	ADV
cblr-1739	743	25	informed	inform	VERB
cblr-1739	743	26	than	than	ADP
cblr-1739	743	27	the	the	DET
cblr-1739	743	28	peripherals	peripheral	NOUN
cblr-1739	743	29	.	.	PUNCT
cblr-1739	743	30	.	.	PUNCT
cblr-1739	744	1	.	.	PUNCT
cblr-1739	745	1	more	more	ADV
cblr-1739	745	2	likely	likely	ADJ
cblr-1739	745	3	to	to	PART
cblr-1739	745	4	be	be	AUX
cblr-1739	745	5	perceived	perceive	VERB
cblr-1739	745	6	as	as	ADP
cblr-1739	745	7	‘	'	PUNCT
cblr-1739	745	8	leaders	leader	NOUN
cblr-1739	745	9	’	'	PUNCT
cblr-1739	745	10	and	and	CCONJ
cblr-1739	745	11	.	.	PUNCT
cblr-1739	745	12	.	.	PUNCT
cblr-1739	745	13	.	.	PUNCT
cblr-1739	746	1	more	more	ADV
cblr-1739	746	2	likely	likely	ADJ
cblr-1739	746	3	to	to	PART
cblr-1739	746	4	earn	earn	VERB
cblr-1739	746	5	promotions	promotion	NOUN
cblr-1739	746	6	within	within	ADP
cblr-1739	746	7	a	a	DET
cblr-1739	746	8	workplace	workplace	NOUN
cblr-1739	746	9	.	.	PUNCT
cblr-1739	746	10	”197	”197	PUNCT
cblr-1739	747	1	while	while	SCONJ
cblr-1739	747	2	this	this	PRON
cblr-1739	747	3	does	do	AUX
cblr-1739	747	4	not	not	PART
cblr-1739	747	5	necessarily	necessarily	ADV
cblr-1739	747	6	mean	mean	VERB
cblr-1739	747	7	that	that	SCONJ
cblr-1739	747	8	supernodes	supernode	NOUN
cblr-1739	747	9	assign	assign	VERB
cblr-1739	747	10	lower	low	ADJ
cblr-1739	747	11	value	value	NOUN
cblr-1739	747	12	to	to	ADP
cblr-1739	747	13	their	their	PRON
cblr-1739	747	14	own	own	ADJ
cblr-1739	747	15	or	or	CCONJ
cblr-1739	747	16	to	to	ADP
cblr-1739	747	17	someone	someone	PRON
cblr-1739	747	18	else	else	ADV
cblr-1739	747	19	’s	’s	PART
cblr-1739	747	20	privacy	privacy	NOUN
cblr-1739	747	21	interest	interest	NOUN
cblr-1739	747	22	,	,	PUNCT
cblr-1739	747	23	it	it	PRON
cblr-1739	747	24	is	be	AUX
cblr-1739	747	25	a	a	DET
cblr-1739	747	26	noteworthy	noteworthy	ADJ
cblr-1739	747	27	coincidence	coincidence	NOUN
cblr-1739	747	28	that	that	SCONJ
cblr-1739	747	29	the	the	DET
cblr-1739	747	30	same	same	ADJ
cblr-1739	747	31	group	group	NOUN
cblr-1739	747	32	that	that	PRON
cblr-1739	747	33	acts	act	VERB
cblr-1739	747	34	as	as	ADP
cblr-1739	747	35	a	a	DET
cblr-1739	747	36	driving	drive	VERB
cblr-1739	747	37	force	force	NOUN
cblr-1739	747	38	in	in	ADP
cblr-1739	747	39	an	an	DET
cblr-1739	747	40	illegitimate	illegitimate	ADJ
cblr-1739	747	41	dissemination	dissemination	NOUN
cblr-1739	747	42	of	of	ADP
cblr-1739	747	43	private	private	ADJ
cblr-1739	747	44	information	information	NOUN
cblr-1739	747	45	under	under	ADP
cblr-1739	747	46	the	the	DET
cblr-1739	747	47	social	social	ADJ
cblr-1739	747	48	network	network	NOUN
cblr-1739	747	49	theory	theory	NOUN
cblr-1739	747	50	of	of	ADP
cblr-1739	747	51	privacy	privacy	NOUN
cblr-1739	747	52	is	be	AUX
cblr-1739	747	53	also	also	ADV
cblr-1739	747	54	the	the	DET
cblr-1739	747	55	same	same	ADJ
cblr-1739	747	56	group	group	NOUN
cblr-1739	747	57	targeted	target	VERB
cblr-1739	747	58	by	by	ADP
cblr-1739	747	59	social	social	ADJ
cblr-1739	747	60	credit	credit	NOUN
cblr-1739	747	61	lending	lending	NOUN
cblr-1739	747	62	services.198	services.198	NOUN
cblr-1739	747	63	197	197	NUM
cblr-1739	747	64	i	i	PRON
cblr-1739	747	65	d.	d.	PROPN
cblr-1739	747	66	at	at	ADP
cblr-1739	747	67	957	957	NUM
cblr-1739	747	68	.	.	PUNCT
cblr-1739	747	69	198	198	NUM
cblr-1739	747	70	this	this	DET
cblr-1739	747	71	coincidence	coincidence	NOUN
cblr-1739	747	72	also	also	ADV
cblr-1739	747	73	further	far	ADV
cblr-1739	747	74	supports	support	VERB
cblr-1739	747	75	the	the	DET
cblr-1739	747	76	unraveling	unraveling	ADJ
cblr-1739	747	77	effect	effect	NOUN
cblr-1739	747	78	discussed	discuss	VERB
cblr-1739	747	79	supra	supra	NOUN
cblr-1739	747	80	in	in	ADP
cblr-1739	747	81	part	part	NOUN
cblr-1739	747	82	ii.b.1	ii.b.1	NOUN
cblr-1739	747	83	.	.	PUNCT
cblr-1739	748	1	those	those	PRON
cblr-1739	748	2	who	who	PRON
cblr-1739	748	3	choose	choose	VERB
cblr-1739	748	4	to	to	PART
cblr-1739	748	5	use	use	VERB
cblr-1739	748	6	social	social	ADJ
cblr-1739	748	7	credit	credit	NOUN
cblr-1739	748	8	lending	lending	NOUN
cblr-1739	748	9	services	service	NOUN
cblr-1739	748	10	are	be	AUX
cblr-1739	748	11	willing	willing	ADJ
cblr-1739	748	12	to	to	PART
cblr-1739	748	13	disclose	disclose	VERB
cblr-1739	748	14	personal	personal	ADJ
cblr-1739	748	15	information	information	NOUN
cblr-1739	748	16	about	about	ADP
cblr-1739	748	17	themselves	themselves	PRON
cblr-1739	748	18	,	,	PUNCT
cblr-1739	748	19	putting	put	VERB
cblr-1739	748	20	others	other	NOUN
cblr-1739	748	21	that	that	PRON
cblr-1739	748	22	refuse	refuse	VERB
cblr-1739	748	23	to	to	PART
cblr-1739	748	24	disclose	disclose	VERB
cblr-1739	748	25	in	in	ADP
cblr-1739	748	26	an	an	DET
cblr-1739	748	27	inferior	inferior	ADJ
cblr-1739	748	28	bargaining	bargaining	NOUN
cblr-1739	748	29	geslevich	geslevich	NOUN
cblr-1739	748	30	packin	packin	PROPN
cblr-1739	748	31	&	&	CCONJ
cblr-1739	748	32	lev	lev	PROPN
cblr-1739	748	33	-	-	PUNCT
cblr-1739	748	34	aretz	aretz	PROPN
cblr-1739	748	35	–	–	PUNCT
cblr-1739	748	36	final	final	ADJ
cblr-1739	748	37	392	392	NUM
cblr-1739	748	38	columbia	columbia	PROPN
cblr-1739	748	39	business	business	NOUN
cblr-1739	748	40	law	law	PROPN
cblr-1739	748	41	review	review	NOUN
cblr-1739	749	1	[	[	X
cblr-1739	749	2	vol	vol	NOUN
cblr-1739	749	3	.	.	PUNCT
cblr-1739	749	4	2016	2016	NUM
cblr-1739	749	5	v.	v.	ADP
cblr-1739	749	6	social	social	ADJ
cblr-1739	749	7	polarization	polarization	NOUN
cblr-1739	749	8	a.	a.	NOUN
cblr-1739	749	9	online	online	PROPN
cblr-1739	749	10	and	and	CCONJ
cblr-1739	749	11	offline	offline	ADJ
cblr-1739	749	12	social	social	ADJ
cblr-1739	749	13	segregation	segregation	NOUN
cblr-1739	749	14	many	many	ADJ
cblr-1739	749	15	consumer	consumer	NOUN
cblr-1739	749	16	advocates	advocate	NOUN
cblr-1739	749	17	criticize	criticize	VERB
cblr-1739	749	18	algorithmic	algorithmic	ADJ
cblr-1739	749	19	profiling	profiling	NOUN
cblr-1739	749	20	and	and	CCONJ
cblr-1739	749	21	personalization	personalization	NOUN
cblr-1739	749	22	,	,	PUNCT
cblr-1739	749	23	such	such	ADJ
cblr-1739	749	24	as	as	ADP
cblr-1739	749	25	those	those	PRON
cblr-1739	749	26	produced	produce	VERB
cblr-1739	749	27	by	by	ADP
cblr-1739	749	28	social	social	ADJ
cblr-1739	749	29	credit	credit	NOUN
cblr-1739	749	30	systems	system	NOUN
cblr-1739	749	31	,	,	PUNCT
cblr-1739	749	32	for	for	ADP
cblr-1739	749	33	endangering	endanger	VERB
cblr-1739	749	34	open	open	ADJ
cblr-1739	749	35	society	society	NOUN
cblr-1739	749	36	and	and	CCONJ
cblr-1739	749	37	democratic	democratic	ADJ
cblr-1739	749	38	speech.199	speech.199	NOUN
cblr-1739	749	39	by	by	ADP
cblr-1739	749	40	cataloging	catalog	VERB
cblr-1739	749	41	people	people	NOUN
cblr-1739	749	42	into	into	ADP
cblr-1739	749	43	pre	pre	ADJ
cblr-1739	749	44	-	-	ADJ
cblr-1739	749	45	determined	determined	ADJ
cblr-1739	749	46	categories	category	NOUN
cblr-1739	749	47	,	,	PUNCT
cblr-1739	749	48	such	such	ADJ
cblr-1739	749	49	systems	system	NOUN
cblr-1739	749	50	divide	divide	VERB
cblr-1739	749	51	society	society	NOUN
cblr-1739	749	52	into	into	ADP
cblr-1739	749	53	echo	echo	NOUN
cblr-1739	749	54	chambers	chamber	NOUN
cblr-1739	749	55	of	of	ADP
cblr-1739	749	56	like	like	ADV
cblr-1739	749	57	-	-	PUNCT
cblr-1739	749	58	minded	minded	ADJ
cblr-1739	749	59	peers.200	peers.200	NOUN
cblr-1739	749	60	building	building	NOUN
cblr-1739	749	61	on	on	ADP
cblr-1739	749	62	this	this	DET
cblr-1739	749	63	observation	observation	NOUN
cblr-1739	749	64	,	,	PUNCT
cblr-1739	749	65	we	we	PRON
cblr-1739	749	66	argue	argue	VERB
cblr-1739	749	67	that	that	SCONJ
cblr-1739	749	68	social	social	ADJ
cblr-1739	749	69	credit	credit	NOUN
cblr-1739	749	70	systems	system	NOUN
cblr-1739	749	71	pose	pose	VERB
cblr-1739	749	72	greater	great	ADJ
cblr-1739	749	73	risks	risk	NOUN
cblr-1739	749	74	for	for	ADP
cblr-1739	749	75	advancing	advance	VERB
cblr-1739	749	76	social	social	ADJ
cblr-1739	749	77	polarization.201	polarization.201	NOUN
cblr-1739	749	78	as	as	SCONJ
cblr-1739	749	79	explained	explain	VERB
cblr-1739	749	80	above	above	ADV
cblr-1739	749	81	,	,	PUNCT
cblr-1739	749	82	systematic	systematic	ADJ
cblr-1739	749	83	consideration	consideration	NOUN
cblr-1739	749	84	of	of	ADP
cblr-1739	749	85	social	social	ADJ
cblr-1739	749	86	information	information	NOUN
cblr-1739	749	87	motivates	motivate	VERB
cblr-1739	749	88	individuals	individual	NOUN
cblr-1739	749	89	to	to	PART
cblr-1739	749	90	polish	polish	VERB
cblr-1739	749	91	their	their	PRON
cblr-1739	749	92	online	online	ADJ
cblr-1739	749	93	image	image	NOUN
cblr-1739	749	94	for	for	ADP
cblr-1739	749	95	a	a	DET
cblr-1739	749	96	better	well	ADJ
cblr-1739	749	97	creditworthiness	creditworthiness	NOUN
cblr-1739	749	98	grade	grade	NOUN
cblr-1739	749	99	.	.	PUNCT
cblr-1739	750	1	the	the	DET
cblr-1739	750	2	more	more	ADV
cblr-1739	750	3	desirable	desirable	ADJ
cblr-1739	750	4	the	the	DET
cblr-1739	750	5	end	end	NOUN
cblr-1739	750	6	product	product	NOUN
cblr-1739	750	7	,	,	PUNCT
cblr-1739	750	8	the	the	DET
cblr-1739	750	9	more	more	ADJ
cblr-1739	750	10	individuals	individual	NOUN
cblr-1739	750	11	,	,	PUNCT
cblr-1739	750	12	such	such	ADJ
cblr-1739	750	13	as	as	ADP
cblr-1739	750	14	type	type	NOUN
cblr-1739	750	15	b	b	NOUN
cblr-1739	750	16	,	,	PUNCT
cblr-1739	750	17	would	would	AUX
cblr-1739	750	18	tend	tend	VERB
cblr-1739	750	19	to	to	PART
cblr-1739	750	20	act	act	VERB
cblr-1739	750	21	to	to	PART
cblr-1739	750	22	improve	improve	VERB
cblr-1739	750	23	their	their	PRON
cblr-1739	750	24	chances	chance	NOUN
cblr-1739	750	25	of	of	ADP
cblr-1739	750	26	getting	get	VERB
cblr-1739	750	27	the	the	DET
cblr-1739	750	28	best	good	ADJ
cblr-1739	750	29	deal	deal	NOUN
cblr-1739	750	30	.	.	PUNCT
cblr-1739	751	1	following	follow	VERB
cblr-1739	751	2	this	this	DET
cblr-1739	751	3	logic	logic	NOUN
cblr-1739	751	4	,	,	PUNCT
cblr-1739	751	5	rational	rational	ADJ
cblr-1739	751	6	users	user	NOUN
cblr-1739	751	7	aware	aware	ADJ
cblr-1739	751	8	of	of	ADP
cblr-1739	751	9	potential	potential	ADJ
cblr-1739	751	10	financial	financial	ADJ
cblr-1739	751	11	harm	harm	NOUN
cblr-1739	751	12	from	from	ADP
cblr-1739	751	13	certain	certain	ADJ
cblr-1739	751	14	online	online	ADJ
cblr-1739	751	15	interactions	interaction	NOUN
cblr-1739	751	16	may	may	AUX
cblr-1739	751	17	seek	seek	VERB
cblr-1739	751	18	to	to	PART
cblr-1739	751	19	remove	remove	VERB
cblr-1739	751	20	hazardous	hazardous	ADJ
cblr-1739	751	21	links	link	NOUN
cblr-1739	751	22	while	while	SCONJ
cblr-1739	751	23	strengthening	strengthen	VERB
cblr-1739	751	24	beneficial	beneficial	ADJ
cblr-1739	751	25	social	social	ADJ
cblr-1739	751	26	ties	tie	NOUN
cblr-1739	751	27	.	.	PUNCT
cblr-1739	752	1	they	they	PRON
cblr-1739	752	2	may	may	AUX
cblr-1739	752	3	sanitize	sanitize	VERB
cblr-1739	752	4	their	their	PRON
cblr-1739	752	5	list	list	NOUN
cblr-1739	752	6	of	of	ADP
cblr-1739	752	7	friends	friend	NOUN
cblr-1739	752	8	by	by	ADP
cblr-1739	752	9	unfriending	unfriende	VERB
cblr-1739	752	10	those	those	PRON
cblr-1739	752	11	who	who	PRON
cblr-1739	752	12	went	go	VERB
cblr-1739	752	13	bankrupt	bankrupt	ADJ
cblr-1739	752	14	,	,	PUNCT
cblr-1739	752	15	lost	lose	VERB
cblr-1739	752	16	their	their	PRON
cblr-1739	752	17	jobs	job	NOUN
cblr-1739	752	18	,	,	PUNCT
cblr-1739	752	19	live	live	VERB
cblr-1739	752	20	in	in	ADP
cblr-1739	752	21	a	a	DET
cblr-1739	752	22	poor	poor	ADJ
cblr-1739	752	23	neighborhood	neighborhood	NOUN
cblr-1739	752	24	,	,	PUNCT
cblr-1739	752	25	or	or	CCONJ
cblr-1739	752	26	are	be	AUX
cblr-1739	752	27	otherwise	otherwise	ADV
cblr-1739	752	28	position	position	NOUN
cblr-1739	752	29	.	.	PUNCT
cblr-1739	753	1	supernodes	supernode	NOUN
cblr-1739	753	2	also	also	ADV
cblr-1739	753	3	provide	provide	VERB
cblr-1739	753	4	backdoor	backdoor	NOUN
cblr-1739	753	5	access	access	NOUN
cblr-1739	753	6	to	to	ADP
cblr-1739	753	7	this	this	DET
cblr-1739	753	8	same	same	ADJ
cblr-1739	753	9	information	information	NOUN
cblr-1739	753	10	that	that	SCONJ
cblr-1739	753	11	third	third	ADJ
cblr-1739	753	12	parties	party	NOUN
cblr-1739	753	13	prefer	prefer	VERB
cblr-1739	753	14	to	to	PART
cblr-1739	753	15	keep	keep	VERB
cblr-1739	753	16	veiled	veil	VERB
cblr-1739	753	17	,	,	PUNCT
cblr-1739	753	18	because	because	SCONJ
cblr-1739	753	19	“	"	PUNCT
cblr-1739	753	20	social	social	ADJ
cblr-1739	753	21	”	"	PUNCT
cblr-1739	753	22	ranking	ranking	NOUN
cblr-1739	753	23	inherently	inherently	ADV
cblr-1739	753	24	involves	involve	VERB
cblr-1739	753	25	an	an	DET
cblr-1739	753	26	information	information	NOUN
cblr-1739	753	27	tie	tie	NOUN
cblr-1739	753	28	that	that	PRON
cblr-1739	753	29	keep	keep	VERB
cblr-1739	753	30	all	all	DET
cblr-1739	753	31	the	the	DET
cblr-1739	753	32	contacts	contact	NOUN
cblr-1739	753	33	in	in	ADP
cblr-1739	753	34	an	an	DET
cblr-1739	753	35	online	online	ADJ
cblr-1739	753	36	social	social	ADJ
cblr-1739	753	37	circle	circle	NOUN
cblr-1739	753	38	linked	link	VERB
cblr-1739	753	39	together	together	ADV
cblr-1739	753	40	.	.	PUNCT
cblr-1739	754	1	the	the	DET
cblr-1739	754	2	system	system	NOUN
cblr-1739	754	3	offers	offer	VERB
cblr-1739	754	4	a	a	DET
cblr-1739	754	5	clear	clear	ADJ
cblr-1739	754	6	incentive	incentive	NOUN
cblr-1739	754	7	for	for	SCONJ
cblr-1739	754	8	supernodes	supernode	NOUN
cblr-1739	754	9	to	to	PART
cblr-1739	754	10	act	act	VERB
cblr-1739	754	11	as	as	ADP
cblr-1739	754	12	access	access	NOUN
cblr-1739	754	13	facilitators	facilitator	NOUN
cblr-1739	754	14	:	:	PUNCT
cblr-1739	754	15	“	"	PUNCT
cblr-1739	754	16	supernodes	supernode	NOUN
cblr-1739	754	17	maintain	maintain	VERB
cblr-1739	754	18	their	their	PRON
cblr-1739	754	19	privileged	privileged	ADJ
cblr-1739	754	20	status	status	NOUN
cblr-1739	754	21	by	by	ADP
cblr-1739	754	22	continuing	continue	VERB
cblr-1739	754	23	to	to	PART
cblr-1739	754	24	serve	serve	VERB
cblr-1739	754	25	as	as	ADP
cblr-1739	754	26	information	information	NOUN
cblr-1739	754	27	clearinghouses	clearinghouse	NOUN
cblr-1739	754	28	,	,	PUNCT
cblr-1739	754	29	and	and	CCONJ
cblr-1739	754	30	,	,	PUNCT
cblr-1739	754	31	in	in	ADP
cblr-1739	754	32	certain	certain	ADJ
cblr-1739	754	33	contexts	context	NOUN
cblr-1739	754	34	,	,	PUNCT
cblr-1739	754	35	become	become	VERB
cblr-1739	754	36	supernodes	supernode	NOUN
cblr-1739	754	37	based	base	VERB
cblr-1739	754	38	in	in	ADP
cblr-1739	754	39	part	part	NOUN
cblr-1739	754	40	on	on	ADP
cblr-1739	754	41	their	their	PRON
cblr-1739	754	42	willingness	willingness	NOUN
cblr-1739	754	43	to	to	PART
cblr-1739	754	44	share	share	VERB
cblr-1739	754	45	previously	previously	ADV
cblr-1739	754	46	private	private	ADJ
cblr-1739	754	47	information	information	NOUN
cblr-1739	754	48	about	about	ADP
cblr-1739	754	49	themselves	themselves	PRON
cblr-1739	754	50	.	.	PUNCT
cblr-1739	754	51	”	"	PUNCT
cblr-1739	755	1	i	i	PRON
cblr-1739	755	2	d.	d.	PROPN
cblr-1739	755	3	199	199	NUM
cblr-1739	755	4	see	see	VERB
cblr-1739	755	5	eli	eli	PROPN
cblr-1739	755	6	pariser	pariser	PROPN
cblr-1739	755	7	,	,	PUNCT
cblr-1739	755	8	the	the	DET
cblr-1739	755	9	filter	filter	NOUN
cblr-1739	755	10	bubble	bubble	NOUN
cblr-1739	755	11	:	:	PUNCT
cblr-1739	755	12	what	what	PRON
cblr-1739	755	13	the	the	DET
cblr-1739	755	14	internet	internet	NOUN
cblr-1739	755	15	is	be	AUX
cblr-1739	755	16	hiding	hide	VERB
cblr-1739	755	17	from	from	ADP
cblr-1739	755	18	you	you	PRON
cblr-1739	755	19	(	(	PUNCT
cblr-1739	755	20	2011	2011	NUM
cblr-1739	755	21	)	)	PUNCT
cblr-1739	755	22	;	;	PUNCT
cblr-1739	755	23	joseph	joseph	PROPN
cblr-1739	755	24	turow	turow	PROPN
cblr-1739	755	25	,	,	PUNCT
cblr-1739	755	26	the	the	DET
cblr-1739	755	27	daily	daily	ADJ
cblr-1739	755	28	you	you	PRON
cblr-1739	755	29	:	:	PUNCT
cblr-1739	755	30	how	how	SCONJ
cblr-1739	755	31	the	the	DET
cblr-1739	755	32	new	new	ADJ
cblr-1739	755	33	advertising	advertising	NOUN
cblr-1739	755	34	industry	industry	NOUN
cblr-1739	755	35	is	be	AUX
cblr-1739	755	36	defining	define	VERB
cblr-1739	755	37	your	your	PRON
cblr-1739	755	38	identity	identity	NOUN
cblr-1739	755	39	and	and	CCONJ
cblr-1739	755	40	your	your	PRON
cblr-1739	755	41	worth	worth	ADJ
cblr-1739	755	42	(	(	PUNCT
cblr-1739	755	43	2011	2011	NUM
cblr-1739	755	44	)	)	PUNCT
cblr-1739	755	45	;	;	PUNCT
cblr-1739	755	46	omer	omer	PROPN
cblr-1739	755	47	tene	tene	PROPN
cblr-1739	755	48	&	&	CCONJ
cblr-1739	755	49	jules	jules	PROPN
cblr-1739	755	50	polonetsky	polonetsky	PROPN
cblr-1739	755	51	,	,	PUNCT
cblr-1739	755	52	big	big	ADJ
cblr-1739	755	53	data	datum	NOUN
cblr-1739	755	54	for	for	ADP
cblr-1739	755	55	all	all	DET
cblr-1739	755	56	:	:	PUNCT
cblr-1739	755	57	privacy	privacy	NOUN
cblr-1739	755	58	and	and	CCONJ
cblr-1739	755	59	user	user	NOUN
cblr-1739	755	60	control	control	NOUN
cblr-1739	755	61	in	in	ADP
cblr-1739	755	62	the	the	DET
cblr-1739	755	63	age	age	NOUN
cblr-1739	755	64	of	of	ADP
cblr-1739	755	65	analytics	analytic	NOUN
cblr-1739	755	66	,	,	PUNCT
cblr-1739	755	67	11	11	NUM
cblr-1739	755	68	nw	nw	PROPN
cblr-1739	755	69	.	.	PROPN
cblr-1739	755	70	j.	j.	PROPN
cblr-1739	755	71	tech	tech	PROPN
cblr-1739	755	72	.	.	PROPN
cblr-1739	755	73	&	&	CCONJ
cblr-1739	755	74	intell	intell	PROPN
cblr-1739	755	75	.	.	PUNCT
cblr-1739	756	1	prop	prop	PROPN
cblr-1739	756	2	.	.	PUNCT
cblr-1739	757	1	239	239	NUM
cblr-1739	757	2	,	,	PUNCT
cblr-1739	757	3	252	252	NUM
cblr-1739	757	4	(	(	PUNCT
cblr-1739	757	5	2013	2013	NUM
cblr-1739	757	6	)	)	PUNCT
cblr-1739	757	7	.	.	PUNCT
cblr-1739	758	1	200	200	NUM
cblr-1739	758	2	tene	tene	NOUN
cblr-1739	758	3	&	&	CCONJ
cblr-1739	758	4	polonetsky	polonetsky	NOUN
cblr-1739	758	5	,	,	PUNCT
cblr-1739	758	6	supra	supra	PROPN
cblr-1739	758	7	note	note	NOUN
cblr-1739	758	8	199	199	NUM
cblr-1739	758	9	.	.	PUNCT
cblr-1739	758	10	201	201	NUM
cblr-1739	758	11	for	for	ADP
cblr-1739	758	12	the	the	DET
cblr-1739	758	13	possibility	possibility	NOUN
cblr-1739	758	14	of	of	ADP
cblr-1739	758	15	network	network	NOUN
cblr-1739	758	16	fragmentation	fragmentation	NOUN
cblr-1739	758	17	and	and	CCONJ
cblr-1739	758	18	its	its	PRON
cblr-1739	758	19	effect	effect	NOUN
cblr-1739	758	20	on	on	ADP
cblr-1739	758	21	the	the	DET
cblr-1739	758	22	accuracy	accuracy	NOUN
cblr-1739	758	23	of	of	ADP
cblr-1739	758	24	social	social	ADJ
cblr-1739	758	25	credit	credit	NOUN
cblr-1739	758	26	systems	system	NOUN
cblr-1739	758	27	see	see	VERB
cblr-1739	758	28	wei	wei	PROPN
cblr-1739	758	29	et	et	PROPN
cblr-1739	758	30	al	al	PROPN
cblr-1739	758	31	.	.	PROPN
cblr-1739	758	32	,	,	PUNCT
cblr-1739	758	33	supra	supra	PROPN
cblr-1739	758	34	note	note	PROPN
cblr-1739	758	35	117	117	NUM
cblr-1739	758	36	.	.	PUNCT
cblr-1739	759	1	geslevich	geslevich	PROPN
cblr-1739	759	2	packin	packin	PROPN
cblr-1739	759	3	&	&	CCONJ
cblr-1739	759	4	lev	lev	PROPN
cblr-1739	759	5	-	-	PUNCT
cblr-1739	759	6	aretz	aretz	PROPN
cblr-1739	759	7	–	–	PUNCT
cblr-1739	759	8	final	final	ADJ
cblr-1739	759	9	no	no	NOUN
cblr-1739	759	10	.	.	PUNCT
cblr-1739	760	1	2:339	2:339	NUM
cblr-1739	760	2	]	]	X
cblr-1739	760	3	on	on	ADP
cblr-1739	760	4	social	social	ADJ
cblr-1739	760	5	credit	credit	NOUN
cblr-1739	760	6	393	393	NUM
cblr-1739	760	7	perceived	perceive	VERB
cblr-1739	760	8	as	as	ADP
cblr-1739	760	9	financially	financially	ADV
cblr-1739	760	10	risky	risky	ADJ
cblr-1739	760	11	,	,	PUNCT
cblr-1739	760	12	and	and	CCONJ
cblr-1739	760	13	by	by	ADP
cblr-1739	760	14	permitting	permit	VERB
cblr-1739	760	15	their	their	PRON
cblr-1739	760	16	social	social	ADJ
cblr-1739	760	17	network	network	NOUN
cblr-1739	760	18	friends	friend	NOUN
cblr-1739	760	19	to	to	PART
cblr-1739	760	20	include	include	VERB
cblr-1739	760	21	only	only	ADV
cblr-1739	760	22	those	those	PRON
cblr-1739	760	23	with	with	ADP
cblr-1739	760	24	good	good	ADJ
cblr-1739	760	25	careers	career	NOUN
cblr-1739	760	26	and	and	CCONJ
cblr-1739	760	27	financial	financial	ADJ
cblr-1739	760	28	standing	standing	NOUN
cblr-1739	760	29	.	.	PUNCT
cblr-1739	761	1	rational	rational	ADJ
cblr-1739	761	2	individuals	individual	NOUN
cblr-1739	761	3	would	would	AUX
cblr-1739	761	4	apply	apply	VERB
cblr-1739	761	5	the	the	DET
cblr-1739	761	6	same	same	ADJ
cblr-1739	761	7	cleansing	cleansing	NOUN
cblr-1739	761	8	process	process	NOUN
cblr-1739	761	9	to	to	ADP
cblr-1739	761	10	followers	follower	NOUN
cblr-1739	761	11	—	—	PUNCT
cblr-1739	761	12	those	those	PRON
cblr-1739	761	13	who	who	PRON
cblr-1739	761	14	are	be	AUX
cblr-1739	761	15	not	not	PART
cblr-1739	761	16	“	"	PUNCT
cblr-1739	761	17	friends	friend	NOUN
cblr-1739	761	18	”	"	PUNCT
cblr-1739	761	19	but	but	CCONJ
cblr-1739	761	20	with	with	ADP
cblr-1739	761	21	whom	whom	PRON
cblr-1739	761	22	the	the	DET
cblr-1739	761	23	rational	rational	ADJ
cblr-1739	761	24	social	social	ADJ
cblr-1739	761	25	networker	networker	NOUN
cblr-1739	761	26	interacts	interact	VERB
cblr-1739	761	27	with	with	ADP
cblr-1739	761	28	by	by	ADP
cblr-1739	761	29	consuming	consume	VERB
cblr-1739	761	30	and	and	CCONJ
cblr-1739	761	31	commenting	comment	VERB
cblr-1739	761	32	on	on	ADP
cblr-1739	761	33	content	content	NOUN
cblr-1739	761	34	they	they	PRON
cblr-1739	761	35	post	post	VERB
cblr-1739	761	36	.	.	PUNCT
cblr-1739	762	1	friends	friend	NOUN
cblr-1739	762	2	and	and	CCONJ
cblr-1739	762	3	accounts	account	NOUN
cblr-1739	762	4	followed	follow	VERB
cblr-1739	762	5	by	by	ADP
cblr-1739	762	6	a	a	DET
cblr-1739	762	7	social	social	ADJ
cblr-1739	762	8	networker	networker	NOUN
cblr-1739	762	9	also	also	ADV
cblr-1739	762	10	include	include	VERB
cblr-1739	762	11	service	service	NOUN
cblr-1739	762	12	providers	provider	NOUN
cblr-1739	762	13	,	,	PUNCT
cblr-1739	762	14	celebrities	celebrity	NOUN
cblr-1739	762	15	,	,	PUNCT
cblr-1739	762	16	radical	radical	ADJ
cblr-1739	762	17	public	public	ADJ
cblr-1739	762	18	figures	figure	NOUN
cblr-1739	762	19	,	,	PUNCT
cblr-1739	762	20	media	medium	NOUN
cblr-1739	762	21	bodies	body	NOUN
cblr-1739	762	22	,	,	PUNCT
cblr-1739	762	23	governmental	governmental	ADJ
cblr-1739	762	24	agencies	agency	NOUN
cblr-1739	762	25	,	,	PUNCT
cblr-1739	762	26	and	and	CCONJ
cblr-1739	762	27	more	more	ADJ
cblr-1739	762	28	.	.	PUNCT
cblr-1739	763	1	in	in	ADP
cblr-1739	763	2	other	other	ADJ
cblr-1739	763	3	words	word	NOUN
cblr-1739	763	4	,	,	PUNCT
cblr-1739	763	5	one	one	NUM
cblr-1739	763	6	’s	’s	PART
cblr-1739	763	7	online	online	ADJ
cblr-1739	763	8	social	social	ADJ
cblr-1739	763	9	image	image	NOUN
cblr-1739	763	10	merges	merge	VERB
cblr-1739	763	11	social	social	ADJ
cblr-1739	763	12	interactions	interaction	NOUN
cblr-1739	763	13	with	with	ADP
cblr-1739	763	14	intellectual	intellectual	ADJ
cblr-1739	763	15	(	(	PUNCT
cblr-1739	763	16	and	and	CCONJ
cblr-1739	763	17	non	non	ADJ
cblr-1739	763	18	-	-	ADJ
cblr-1739	763	19	intellectual	intellectual	ADJ
cblr-1739	763	20	)	)	PUNCT
cblr-1739	763	21	interests	interest	NOUN
cblr-1739	763	22	,	,	PUNCT
cblr-1739	763	23	shopping	shopping	NOUN
cblr-1739	763	24	preferences	preference	NOUN
cblr-1739	763	25	,	,	PUNCT
cblr-1739	763	26	news	news	NOUN
cblr-1739	763	27	consumption	consumption	NOUN
cblr-1739	763	28	,	,	PUNCT
cblr-1739	763	29	and	and	CCONJ
cblr-1739	763	30	more	more	ADJ
cblr-1739	763	31	.	.	PUNCT
cblr-1739	764	1	from	from	ADP
cblr-1739	764	2	a	a	DET
cblr-1739	764	3	rational	rational	ADJ
cblr-1739	764	4	user	user	NOUN
cblr-1739	764	5	’s	’s	PART
cblr-1739	764	6	perspective	perspective	NOUN
cblr-1739	764	7	,	,	PUNCT
cblr-1739	764	8	an	an	DET
cblr-1739	764	9	online	online	ADJ
cblr-1739	764	10	social	social	ADJ
cblr-1739	764	11	cleanup	cleanup	NOUN
cblr-1739	764	12	makes	make	VERB
cblr-1739	764	13	perfect	perfect	ADJ
cblr-1739	764	14	economic	economic	ADJ
cblr-1739	764	15	sense	sense	NOUN
cblr-1739	764	16	.	.	PUNCT
cblr-1739	765	1	artificial	artificial	ADJ
cblr-1739	765	2	acts	act	NOUN
cblr-1739	765	3	of	of	ADP
cblr-1739	765	4	online	online	ADJ
cblr-1739	765	5	social	social	ADJ
cblr-1739	765	6	restructure	restructure	NOUN
cblr-1739	765	7	,	,	PUNCT
cblr-1739	765	8	however	however	ADV
cblr-1739	765	9	,	,	PUNCT
cblr-1739	765	10	have	have	VERB
cblr-1739	765	11	ramifications	ramification	NOUN
cblr-1739	765	12	beyond	beyond	ADP
cblr-1739	765	13	the	the	DET
cblr-1739	765	14	individual	individual	ADJ
cblr-1739	765	15	user	user	NOUN
cblr-1739	765	16	.	.	PUNCT
cblr-1739	766	1	such	such	ADJ
cblr-1739	766	2	changes	change	NOUN
cblr-1739	766	3	may	may	AUX
cblr-1739	766	4	lead	lead	VERB
cblr-1739	766	5	to	to	ADP
cblr-1739	766	6	online	online	ADJ
cblr-1739	766	7	social	social	ADJ
cblr-1739	766	8	polarization	polarization	NOUN
cblr-1739	766	9	,	,	PUNCT
cblr-1739	766	10	where	where	SCONJ
cblr-1739	766	11	users	user	NOUN
cblr-1739	766	12	are	be	AUX
cblr-1739	766	13	regrouped	regroup	VERB
cblr-1739	766	14	by	by	ADP
cblr-1739	766	15	the	the	DET
cblr-1739	766	16	level	level	NOUN
cblr-1739	766	17	of	of	ADP
cblr-1739	766	18	financial	financial	ADJ
cblr-1739	766	19	risk	risk	NOUN
cblr-1739	766	20	they	they	PRON
cblr-1739	766	21	embody	embody	VERB
cblr-1739	766	22	to	to	ADP
cblr-1739	766	23	their	their	PRON
cblr-1739	766	24	contact	contact	NOUN
cblr-1739	766	25	.	.	PUNCT
cblr-1739	767	1	those	those	PRON
cblr-1739	767	2	from	from	ADP
cblr-1739	767	3	disadvantaged	disadvantaged	ADJ
cblr-1739	767	4	backgrounds	background	NOUN
cblr-1739	767	5	would	would	AUX
cblr-1739	767	6	interact	interact	VERB
cblr-1739	767	7	only	only	ADV
cblr-1739	767	8	with	with	ADP
cblr-1739	767	9	users	user	NOUN
cblr-1739	767	10	who	who	PRON
cblr-1739	767	11	,	,	PUNCT
cblr-1739	767	12	likewise	likewise	ADV
cblr-1739	767	13	,	,	PUNCT
cblr-1739	767	14	have	have	AUX
cblr-1739	767	15	not	not	PART
cblr-1739	767	16	been	be	AUX
cblr-1739	767	17	able	able	ADJ
cblr-1739	767	18	to	to	PART
cblr-1739	767	19	break	break	VERB
cblr-1739	767	20	free	free	ADJ
cblr-1739	767	21	of	of	ADP
cblr-1739	767	22	the	the	DET
cblr-1739	767	23	cycle	cycle	NOUN
cblr-1739	767	24	of	of	ADP
cblr-1739	767	25	poverty	poverty	NOUN
cblr-1739	767	26	;	;	PUNCT
cblr-1739	767	27	ivy	ivy	PROPN
cblr-1739	767	28	league	league	NOUN
cblr-1739	767	29	alumni	alumnus	NOUN
cblr-1739	767	30	would	would	AUX
cblr-1739	767	31	only	only	ADV
cblr-1739	767	32	allow	allow	VERB
cblr-1739	767	33	themselves	themselves	PRON
cblr-1739	767	34	to	to	PART
cblr-1739	767	35	be	be	AUX
cblr-1739	767	36	associated	associate	VERB
cblr-1739	767	37	with	with	ADP
cblr-1739	767	38	similarly	similarly	ADV
cblr-1739	767	39	elite	elite	ADJ
cblr-1739	767	40	peers;202	peers;202	PROPN
cblr-1739	767	41	an	an	DET
cblr-1739	767	42	executive	executive	NOUN
cblr-1739	767	43	wishing	wish	VERB
cblr-1739	767	44	to	to	PART
cblr-1739	767	45	virtually	virtually	ADV
cblr-1739	767	46	follow	follow	VERB
cblr-1739	767	47	an	an	DET
cblr-1739	767	48	organization	organization	NOUN
cblr-1739	767	49	committed	commit	VERB
cblr-1739	767	50	to	to	ADP
cblr-1739	767	51	helping	help	VERB
cblr-1739	767	52	poor	poor	ADJ
cblr-1739	767	53	families	family	NOUN
cblr-1739	767	54	is	be	AUX
cblr-1739	767	55	likely	likely	ADJ
cblr-1739	767	56	to	to	PART
cblr-1739	767	57	avoid	avoid	VERB
cblr-1739	767	58	creating	create	VERB
cblr-1739	767	59	a	a	DET
cblr-1739	767	60	traceable	traceable	ADJ
cblr-1739	767	61	connection	connection	NOUN
cblr-1739	767	62	between	between	ADP
cblr-1739	767	63	herself	herself	PRON
cblr-1739	767	64	and	and	CCONJ
cblr-1739	767	65	the	the	DET
cblr-1739	767	66	unfortunate	unfortunate	ADJ
cblr-1739	767	67	,	,	PUNCT
cblr-1739	767	68	and	and	CCONJ
cblr-1739	767	69	for	for	ADP
cblr-1739	767	70	similar	similar	ADJ
cblr-1739	767	71	reasons	reason	NOUN
cblr-1739	767	72	may	may	AUX
cblr-1739	767	73	be	be	AUX
cblr-1739	767	74	reluctant	reluctant	ADJ
cblr-1739	767	75	to	to	PART
cblr-1739	767	76	“	"	PUNCT
cblr-1739	767	77	like	like	VERB
cblr-1739	767	78	”	"	PUNCT
cblr-1739	767	79	the	the	DET
cblr-1739	767	80	business	business	NOUN
cblr-1739	767	81	page	page	NOUN
cblr-1739	767	82	for	for	ADP
cblr-1739	767	83	her	her	PRON
cblr-1739	767	84	best	good	ADJ
cblr-1739	767	85	friend	friend	NOUN
cblr-1739	767	86	’s	’s	PART
cblr-1739	767	87	debt	debt	NOUN
cblr-1739	767	88	refinancing	refinance	VERB
cblr-1739	767	89	company	company	NOUN
cblr-1739	767	90	.	.	PUNCT
cblr-1739	768	1	indeed	indeed	ADV
cblr-1739	768	2	,	,	PUNCT
cblr-1739	768	3	individuals	individual	NOUN
cblr-1739	768	4	tend	tend	VERB
cblr-1739	768	5	to	to	PART
cblr-1739	768	6	form	form	VERB
cblr-1739	768	7	online	online	ADJ
cblr-1739	768	8	relationships	relationship	NOUN
cblr-1739	768	9	with	with	ADP
cblr-1739	768	10	individuals	individual	NOUN
cblr-1739	768	11	who	who	PRON
cblr-1739	768	12	share	share	VERB
cblr-1739	768	13	similar	similar	ADJ
cblr-1739	768	14	backgrounds	background	NOUN
cblr-1739	768	15	,	,	PUNCT
cblr-1739	768	16	characteristics	characteristic	NOUN
cblr-1739	768	17	,	,	PUNCT
cblr-1739	768	18	interests	interest	NOUN
cblr-1739	768	19	,	,	PUNCT
cblr-1739	768	20	and	and	CCONJ
cblr-1739	768	21	locations.203	locations.203	NOUN
cblr-1739	768	22	as	as	SCONJ
cblr-1739	768	23	people	people	NOUN
cblr-1739	768	24	generally	generally	ADV
cblr-1739	768	25	interact	interact	VERB
cblr-1739	768	26	primarily	primarily	ADV
cblr-1739	768	27	with	with	ADP
cblr-1739	768	28	their	their	PRON
cblr-1739	768	29	peers	peer	NOUN
cblr-1739	768	30	offline	offline	ADJ
cblr-1739	768	31	,	,	PUNCT
cblr-1739	768	32	social	social	ADJ
cblr-1739	768	33	networks	network	NOUN
cblr-1739	768	34	further	far	ADV
cblr-1739	768	35	facilitate	facilitate	VERB
cblr-1739	768	36	homophily.204	homophily.204	NOUN
cblr-1739	768	37	while	while	SCONJ
cblr-1739	768	38	early	early	ADJ
cblr-1739	768	39	research	research	NOUN
cblr-1739	768	40	on	on	ADP
cblr-1739	768	41	online	online	ADJ
cblr-1739	768	42	202	202	NUM
cblr-1739	768	43	kadhim	kadhim	PROPN
cblr-1739	768	44	shubber	shubber	PROPN
cblr-1739	768	45	,	,	PUNCT
cblr-1739	768	46	sofi	sofi	PROPN
cblr-1739	768	47	really	really	ADV
cblr-1739	768	48	wants	want	VERB
cblr-1739	768	49	you	you	PRON
cblr-1739	768	50	to	to	PART
cblr-1739	768	51	think	think	VERB
cblr-1739	768	52	it	it	PRON
cblr-1739	768	53	is	be	AUX
cblr-1739	768	54	n’t	not	PART
cblr-1739	768	55	a	a	DET
cblr-1739	768	56	bank	bank	NOUN
cblr-1739	768	57	,	,	PUNCT
cblr-1739	768	58	fin	fin	PROPN
cblr-1739	768	59	.	.	PUNCT
cblr-1739	769	1	times	times	PROPN
cblr-1739	769	2	(	(	PUNCT
cblr-1739	769	3	dec	dec	PROPN
cblr-1739	769	4	.	.	PROPN
cblr-1739	769	5	3	3	NUM
cblr-1739	769	6	,	,	PUNCT
cblr-1739	769	7	3015	3015	NUM
cblr-1739	769	8	)	)	PUNCT
cblr-1739	769	9	,	,	PUNCT
cblr-1739	769	10	http://ftalphaville.ft.com/2015/12/03/2146561/so	http://ftalphaville.ft.com/2015/12/03/2146561/so	PRON
cblr-1739	769	11	fi	fi	ADJ
cblr-1739	769	12	-	-	ADJ
cblr-1739	769	13	really	really	ADV
cblr-1739	769	14	-	-	PUNCT
cblr-1739	769	15	wants	want	VERB
cblr-1739	769	16	-	-	PUNCT
cblr-1739	769	17	you	you	PRON
cblr-1739	769	18	-	-	PUNCT
cblr-1739	769	19	to	to	ADP
cblr-1739	769	20	-	-	PUNCT
cblr-1739	769	21	think	think	VERB
cblr-1739	769	22	-	-	PUNCT
cblr-1739	769	23	it	it	PRON
cblr-1739	769	24	-	-	PUNCT
cblr-1739	769	25	isnt	isnt	VERB
cblr-1739	769	26	-	-	PUNCT
cblr-1739	769	27	a	a	DET
cblr-1739	769	28	-	-	PUNCT
cblr-1739	769	29	bank/	bank/	NOUN
cblr-1739	770	1	[	[	NOUN
cblr-1739	770	2	http://perma.cc/bb63-rk3	http://perma.cc/bb63-rk3	NOUN
cblr-1739	770	3	g	g	NOUN
cblr-1739	770	4	]	]	PUNCT
cblr-1739	770	5	.	.	PUNCT
cblr-1739	771	1	203	203	NUM
cblr-1739	771	2	m.	m.	NOUN
cblr-1739	771	3	mcpherson	mcpherson	PROPN
cblr-1739	771	4	et	et	PROPN
cblr-1739	771	5	al	al	PROPN
cblr-1739	771	6	.	.	PROPN
cblr-1739	771	7	,	,	PUNCT
cblr-1739	771	8	birds	bird	NOUN
cblr-1739	771	9	of	of	ADP
cblr-1739	771	10	a	a	DET
cblr-1739	771	11	feather	feather	NOUN
cblr-1739	771	12	:	:	PUNCT
cblr-1739	771	13	homophily	homophily	ADV
cblr-1739	771	14	in	in	ADP
cblr-1739	771	15	social	social	ADJ
cblr-1739	771	16	networks	network	NOUN
cblr-1739	771	17	.	.	PUNCT
cblr-1739	772	1	27	27	NUM
cblr-1739	772	2	ann	ann	PROPN
cblr-1739	772	3	.	.	PUNCT
cblr-1739	772	4	rev	rev	PROPN
cblr-1739	772	5	.	.	PUNCT
cblr-1739	773	1	sociology	sociology	NOUN
cblr-1739	773	2	415	415	NUM
cblr-1739	773	3	,	,	PUNCT
cblr-1739	773	4	416	416	NUM
cblr-1739	773	5	(	(	PUNCT
cblr-1739	773	6	2001	2001	NUM
cblr-1739	773	7	)	)	PUNCT
cblr-1739	773	8	.	.	PUNCT
cblr-1739	774	1	204	204	NUM
cblr-1739	774	2	homophily	homophily	ADV
cblr-1739	774	3	is	be	AUX
cblr-1739	774	4	the	the	DET
cblr-1739	774	5	idea	idea	NOUN
cblr-1739	774	6	that	that	SCONJ
cblr-1739	774	7	“	"	PUNCT
cblr-1739	774	8	a	a	DET
cblr-1739	774	9	contact	contact	NOUN
cblr-1739	774	10	between	between	ADP
cblr-1739	774	11	similar	similar	ADJ
cblr-1739	774	12	people	people	NOUN
cblr-1739	774	13	occurs	occur	VERB
cblr-1739	774	14	at	at	ADP
cblr-1739	774	15	a	a	DET
cblr-1739	774	16	higher	high	ADJ
cblr-1739	774	17	rate	rate	NOUN
cblr-1739	774	18	than	than	ADP
cblr-1739	774	19	among	among	ADP
cblr-1739	774	20	dissimilar	dissimilar	ADJ
cblr-1739	774	21	people	people	NOUN
cblr-1739	774	22	.	.	PUNCT
cblr-1739	774	23	”	"	PUNCT
cblr-1739	775	1	i	i	PRON
cblr-1739	775	2	d.	d.	VERB
cblr-1739	775	3	at	at	ADP
cblr-1739	775	4	416	416	NUM
cblr-1739	775	5	.	.	PUNCT
cblr-1739	776	1	geslevich	geslevich	PROPN
cblr-1739	776	2	packin	packin	PROPN
cblr-1739	776	3	&	&	CCONJ
cblr-1739	776	4	lev	lev	PROPN
cblr-1739	776	5	-	-	PUNCT
cblr-1739	776	6	aretz	aretz	PROPN
cblr-1739	776	7	–	–	PUNCT
cblr-1739	776	8	final	final	ADJ
cblr-1739	776	9	394	394	NUM
cblr-1739	776	10	columbia	columbia	PROPN
cblr-1739	776	11	business	business	NOUN
cblr-1739	776	12	law	law	NOUN
cblr-1739	776	13	review	review	NOUN
cblr-1739	777	1	[	[	X
cblr-1739	777	2	vol	vol	NOUN
cblr-1739	777	3	.	.	NOUN
cblr-1739	777	4	2016	2016	NUM
cblr-1739	777	5	communities	community	NOUN
cblr-1739	777	6	assumed	assume	VERB
cblr-1739	777	7	that	that	SCONJ
cblr-1739	777	8	online	online	ADJ
cblr-1739	777	9	social	social	ADJ
cblr-1739	777	10	networkers	networker	NOUN
cblr-1739	777	11	would	would	AUX
cblr-1739	777	12	connect	connect	VERB
cblr-1739	777	13	with	with	ADP
cblr-1739	777	14	others	other	NOUN
cblr-1739	777	15	outside	outside	ADP
cblr-1739	777	16	their	their	PRON
cblr-1739	777	17	offline	offline	ADJ
cblr-1739	777	18	social	social	ADJ
cblr-1739	777	19	group	group	NOUN
cblr-1739	777	20	—	—	PUNCT
cblr-1739	777	21	for	for	ADP
cblr-1739	777	22	example	example	NOUN
cblr-1739	777	23	,	,	PUNCT
cblr-1739	777	24	forming	form	VERB
cblr-1739	777	25	communities	community	NOUN
cblr-1739	777	26	around	around	ADP
cblr-1739	777	27	shared	share	VERB
cblr-1739	777	28	interests	interest	NOUN
cblr-1739	777	29	as	as	SCONJ
cblr-1739	777	30	opposed	oppose	VERB
cblr-1739	777	31	to	to	ADP
cblr-1739	777	32	shared	share	VERB
cblr-1739	777	33	geography	geography	NOUN
cblr-1739	777	34	—	—	PUNCT
cblr-1739	777	35	later	later	ADV
cblr-1739	777	36	studies	study	NOUN
cblr-1739	777	37	suggested	suggest	VERB
cblr-1739	777	38	that	that	SCONJ
cblr-1739	777	39	people	people	NOUN
cblr-1739	777	40	used	use	VERB
cblr-1739	777	41	online	online	ADJ
cblr-1739	777	42	social	social	ADJ
cblr-1739	777	43	networks	network	NOUN
cblr-1739	777	44	to	to	PART
cblr-1739	777	45	maintain	maintain	VERB
cblr-1739	777	46	preexisting	preexist	VERB
cblr-1739	777	47	offline	offline	ADJ
cblr-1739	777	48	affairs	affair	NOUN
cblr-1739	777	49	or	or	CCONJ
cblr-1739	777	50	otherwise	otherwise	ADV
cblr-1739	777	51	solidify	solidify	VERB
cblr-1739	777	52	offline	offline	ADJ
cblr-1739	777	53	connections	connection	NOUN
cblr-1739	777	54	,	,	PUNCT
cblr-1739	777	55	as	as	SCONJ
cblr-1739	777	56	opposed	oppose	VERB
cblr-1739	777	57	to	to	PART
cblr-1739	777	58	meet	meet	VERB
cblr-1739	777	59	new	new	ADJ
cblr-1739	777	60	people.205	people.205	NOUN
cblr-1739	777	61	the	the	DET
cblr-1739	777	62	natural	natural	ADJ
cblr-1739	777	63	inclination	inclination	NOUN
cblr-1739	777	64	to	to	PART
cblr-1739	777	65	interact	interact	VERB
cblr-1739	777	66	within	within	ADP
cblr-1739	777	67	a	a	DET
cblr-1739	777	68	homogenous	homogenous	ADJ
cblr-1739	777	69	group	group	NOUN
cblr-1739	777	70	,	,	PUNCT
cblr-1739	777	71	however	however	ADV
cblr-1739	777	72	,	,	PUNCT
cblr-1739	777	73	does	do	AUX
cblr-1739	777	74	not	not	PART
cblr-1739	777	75	suggest	suggest	VERB
cblr-1739	777	76	that	that	SCONJ
cblr-1739	777	77	existing	exist	VERB
cblr-1739	777	78	social	social	ADJ
cblr-1739	777	79	circles	circle	NOUN
cblr-1739	777	80	necessarily	necessarily	ADV
cblr-1739	777	81	reflect	reflect	VERB
cblr-1739	777	82	a	a	DET
cblr-1739	777	83	strict	strict	ADJ
cblr-1739	777	84	allocation	allocation	NOUN
cblr-1739	777	85	by	by	ADP
cblr-1739	777	86	financial	financial	ADJ
cblr-1739	777	87	risk	risk	NOUN
cblr-1739	777	88	.	.	PUNCT
cblr-1739	778	1	furthermore	furthermore	ADV
cblr-1739	778	2	,	,	PUNCT
cblr-1739	778	3	individuals	individual	NOUN
cblr-1739	778	4	online	online	ADV
cblr-1739	778	5	connect	connect	VERB
cblr-1739	778	6	on	on	ADP
cblr-1739	778	7	various	various	ADJ
cblr-1739	778	8	grounds	ground	NOUN
cblr-1739	778	9	that	that	PRON
cblr-1739	778	10	could	could	AUX
cblr-1739	778	11	bring	bring	VERB
cblr-1739	778	12	together	together	ADV
cblr-1739	778	13	people	people	NOUN
cblr-1739	778	14	from	from	ADP
cblr-1739	778	15	entirely	entirely	ADV
cblr-1739	778	16	different	different	ADJ
cblr-1739	778	17	economic	economic	ADJ
cblr-1739	778	18	classes	class	NOUN
cblr-1739	778	19	.	.	PUNCT
cblr-1739	779	1	even	even	ADV
cblr-1739	779	2	the	the	DET
cblr-1739	779	3	latest	late	ADJ
cblr-1739	779	4	studies	study	NOUN
cblr-1739	779	5	acknowledge	acknowledge	VERB
cblr-1739	779	6	that	that	SCONJ
cblr-1739	779	7	in	in	ADP
cblr-1739	779	8	addition	addition	NOUN
cblr-1739	779	9	to	to	ADP
cblr-1739	779	10	their	their	PRON
cblr-1739	779	11	role	role	NOUN
cblr-1739	779	12	as	as	ADP
cblr-1739	779	13	offline	offline	ADJ
cblr-1739	779	14	relationship	relationship	NOUN
cblr-1739	779	15	boosters	booster	NOUN
cblr-1739	779	16	,	,	PUNCT
cblr-1739	779	17	online	online	ADJ
cblr-1739	779	18	social	social	ADJ
cblr-1739	779	19	networks	network	NOUN
cblr-1739	779	20	enable	enable	VERB
cblr-1739	779	21	the	the	DET
cblr-1739	779	22	launch	launch	NOUN
cblr-1739	779	23	of	of	ADP
cblr-1739	779	24	new	new	ADJ
cblr-1739	779	25	social	social	ADJ
cblr-1739	779	26	ties	tie	NOUN
cblr-1739	779	27	,	,	PUNCT
cblr-1739	779	28	even	even	ADV
cblr-1739	779	29	with	with	ADP
cblr-1739	779	30	complete	complete	ADJ
cblr-1739	779	31	strangers.206	strangers.206	NOUN
cblr-1739	779	32	similar	similar	ADJ
cblr-1739	779	33	interests	interest	NOUN
cblr-1739	779	34	,	,	PUNCT
cblr-1739	779	35	like	like	ADP
cblr-1739	779	36	a	a	DET
cblr-1739	779	37	shared	share	VERB
cblr-1739	779	38	taste	taste	NOUN
cblr-1739	779	39	in	in	ADP
cblr-1739	779	40	music	music	NOUN
cblr-1739	779	41	or	or	CCONJ
cblr-1739	779	42	a	a	DET
cblr-1739	779	43	favorite	favorite	ADJ
cblr-1739	779	44	online	online	ADJ
cblr-1739	779	45	game	game	NOUN
cblr-1739	779	46	,	,	PUNCT
cblr-1739	779	47	often	often	ADV
cblr-1739	779	48	give	give	VERB
cblr-1739	779	49	rise	rise	NOUN
cblr-1739	779	50	to	to	ADP
cblr-1739	779	51	such	such	ADJ
cblr-1739	779	52	online	online	ADJ
cblr-1739	779	53	social	social	ADJ
cblr-1739	779	54	interfacing.207	interfacing.207	NOUN
cblr-1739	779	55	furthermore	furthermore	ADV
cblr-1739	779	56	,	,	PUNCT
cblr-1739	779	57	individuals	individual	NOUN
cblr-1739	779	58	use	use	VERB
cblr-1739	779	59	social	social	ADJ
cblr-1739	779	60	networks	network	NOUN
cblr-1739	779	61	as	as	ADP
cblr-1739	779	62	an	an	DET
cblr-1739	779	63	information	information	NOUN
cblr-1739	779	64	conduit	conduit	NOUN
cblr-1739	779	65	beyond	beyond	ADP
cblr-1739	779	66	the	the	DET
cblr-1739	779	67	social	social	ADJ
cblr-1739	779	68	context	context	NOUN
cblr-1739	779	69	(	(	PUNCT
cblr-1739	779	70	e.g.	e.g.	ADV
cblr-1739	779	71	,	,	PUNCT
cblr-1739	779	72	consuming	consume	VERB
cblr-1739	779	73	news	news	NOUN
cblr-1739	779	74	)	)	PUNCT
cblr-1739	779	75	,	,	PUNCT
cblr-1739	779	76	as	as	ADP
cblr-1739	779	77	a	a	DET
cblr-1739	779	78	way	way	NOUN
cblr-1739	779	79	to	to	PART
cblr-1739	779	80	learn	learn	VERB
cblr-1739	779	81	about	about	ADP
cblr-1739	779	82	and	and	CCONJ
cblr-1739	779	83	communicate	communicate	VERB
cblr-1739	779	84	with	with	ADP
cblr-1739	779	85	businesses	business	NOUN
cblr-1739	779	86	(	(	PUNCT
cblr-1739	779	87	e.g.	e.g.	ADV
cblr-1739	779	88	,	,	PUNCT
cblr-1739	779	89	following	follow	VERB
cblr-1739	779	90	macy	macy	PROPN
cblr-1739	779	91	’s	’s	NOUN
cblr-1739	779	92	on	on	ADP
cblr-1739	779	93	instagram	instagram	PROPN
cblr-1739	779	94	)	)	PUNCT
cblr-1739	779	95	,	,	PUNCT
cblr-1739	779	96	and	and	CCONJ
cblr-1739	779	97	to	to	PART
cblr-1739	779	98	form	form	VERB
cblr-1739	779	99	connections	connection	NOUN
cblr-1739	779	100	around	around	ADP
cblr-1739	779	101	similar	similar	ADJ
cblr-1739	779	102	interests	interest	NOUN
cblr-1739	779	103	(	(	PUNCT
cblr-1739	779	104	e.g.	e.g.	ADV
cblr-1739	779	105	,	,	PUNCT
cblr-1739	779	106	using	use	VERB
cblr-1739	779	107	the	the	DET
cblr-1739	779	108	networking	network	VERB
cblr-1739	779	109	platform	platform	NOUN
cblr-1739	779	110	meetup	meetup	NOUN
cblr-1739	779	111	,	,	PUNCT
cblr-1739	779	112	which	which	PRON
cblr-1739	779	113	allows	allow	VERB
cblr-1739	779	114	users	user	NOUN
cblr-1739	779	115	to	to	PART
cblr-1739	779	116	connect	connect	VERB
cblr-1739	779	117	online	online	ADV
cblr-1739	779	118	and	and	CCONJ
cblr-1739	779	119	then	then	ADV
cblr-1739	779	120	“	"	PUNCT
cblr-1739	779	121	meet	meet	VERB
cblr-1739	779	122	up	up	ADP
cblr-1739	779	123	”	"	PUNCT
cblr-1739	779	124	offline	offline	NOUN
cblr-1739	779	125	)	)	PUNCT
cblr-1739	779	126	.	.	PUNCT
cblr-1739	780	1	those	those	DET
cblr-1739	780	2	common	common	ADJ
cblr-1739	780	3	uses	use	NOUN
cblr-1739	780	4	,	,	PUNCT
cblr-1739	780	5	that	that	PRON
cblr-1739	780	6	are	be	AUX
cblr-1739	780	7	not	not	PART
cblr-1739	780	8	social	social	ADJ
cblr-1739	780	9	in	in	ADP
cblr-1739	780	10	the	the	DET
cblr-1739	780	11	traditional	traditional	ADJ
cblr-1739	780	12	sense	sense	NOUN
cblr-1739	780	13	,	,	PUNCT
cblr-1739	780	14	group	group	NOUN
cblr-1739	780	15	social	social	ADJ
cblr-1739	780	16	networks	network	NOUN
cblr-1739	780	17	’	'	PUNCT
cblr-1739	780	18	users	user	NOUN
cblr-1739	780	19	in	in	ADP
cblr-1739	780	20	interest	interest	NOUN
cblr-1739	780	21	-	-	PUNCT
cblr-1739	780	22	based	base	VERB
cblr-1739	780	23	categories	category	NOUN
cblr-1739	780	24	with	with	ADP
cblr-1739	780	25	no	no	DET
cblr-1739	780	26	clear	clear	ADJ
cblr-1739	780	27	financial	financial	ADJ
cblr-1739	780	28	standing	standing	NOUN
cblr-1739	780	29	match	match	NOUN
cblr-1739	780	30	.	.	PUNCT
cblr-1739	781	1	social	social	ADJ
cblr-1739	781	2	networks	network	NOUN
cblr-1739	781	3	also	also	ADV
cblr-1739	781	4	allow	allow	VERB
cblr-1739	781	5	people	people	NOUN
cblr-1739	781	6	to	to	PART
cblr-1739	781	7	maintain	maintain	VERB
cblr-1739	781	8	connections	connection	NOUN
cblr-1739	781	9	as	as	SCONJ
cblr-1739	781	10	they	they	PRON
cblr-1739	781	11	move	move	VERB
cblr-1739	781	12	from	from	ADP
cblr-1739	781	13	one	one	NUM
cblr-1739	781	14	offline	offline	ADJ
cblr-1739	781	15	community	community	NOUN
cblr-1739	781	16	to	to	ADP
cblr-1739	781	17	205	205	NUM
cblr-1739	781	18	ellison	ellison	NOUN
cblr-1739	781	19	et	et	PROPN
cblr-1739	781	20	al	al	PROPN
cblr-1739	781	21	.	.	PROPN
cblr-1739	781	22	,	,	PUNCT
cblr-1739	781	23	supra	supra	PROPN
cblr-1739	781	24	note	note	PROPN
cblr-1739	781	25	24	24	NUM
cblr-1739	781	26	,	,	PUNCT
cblr-1739	781	27	at	at	ADP
cblr-1739	781	28	1144	1144	NUM
cblr-1739	781	29	.	.	PUNCT
cblr-1739	782	1	206	206	NUM
cblr-1739	783	1	i	i	PRON
cblr-1739	783	2	d.	d.	PROPN
cblr-1739	783	3	at	at	ADP
cblr-1739	783	4	1143	1143	NUM
cblr-1739	783	5	;	;	PUNCT
cblr-1739	783	6	see	see	VERB
cblr-1739	783	7	also	also	ADV
cblr-1739	783	8	daria	daria	PROPN
cblr-1739	783	9	j.	j.	PROPN
cblr-1739	783	10	kuss	kuss	PROPN
cblr-1739	783	11	&	&	CCONJ
cblr-1739	783	12	mark	mark	PROPN
cblr-1739	783	13	d.	d.	PROPN
cblr-1739	783	14	griffiths	griffiths	PROPN
cblr-1739	783	15	,	,	PUNCT
cblr-1739	783	16	online	online	ADJ
cblr-1739	783	17	social	social	ADJ
cblr-1739	783	18	networking	networking	NOUN
cblr-1739	783	19	and	and	CCONJ
cblr-1739	783	20	addiction	addiction	NOUN
cblr-1739	783	21	—	—	PUNCT
cblr-1739	783	22	a	a	DET
cblr-1739	783	23	review	review	NOUN
cblr-1739	783	24	of	of	ADP
cblr-1739	783	25	the	the	DET
cblr-1739	783	26	psychological	psychological	ADJ
cblr-1739	783	27	literature	literature	NOUN
cblr-1739	783	28	,	,	PUNCT
cblr-1739	783	29	8	8	NUM
cblr-1739	783	30	int’l	int’l	NUM
cblr-1739	783	31	j.	j.	PROPN
cblr-1739	783	32	envtl	envtl	PROPN
cblr-1739	783	33	.	.	PUNCT
cblr-1739	784	1	res	res	PROPN
cblr-1739	784	2	.	.	PROPN
cblr-1739	784	3	&	&	CCONJ
cblr-1739	784	4	pub	pub	PROPN
cblr-1739	784	5	.	.	PUNCT
cblr-1739	785	1	health	health	NOUN
cblr-1739	785	2	3528	3528	NUM
cblr-1739	785	3	,	,	PUNCT
cblr-1739	785	4	3531	3531	NUM
cblr-1739	785	5	(	(	PUNCT
cblr-1739	785	6	2011	2011	NUM
cblr-1739	785	7	)	)	PUNCT
cblr-1739	785	8	.	.	PUNCT
cblr-1739	786	1	207	207	NUM
cblr-1739	786	2	sabine	sabine	PROPN
cblr-1739	786	3	trepte	trepte	PROPN
cblr-1739	786	4	et	et	PROPN
cblr-1739	786	5	al	al	PROPN
cblr-1739	786	6	.	.	PROPN
cblr-1739	786	7	,	,	PUNCT
cblr-1739	786	8	the	the	DET
cblr-1739	786	9	social	social	ADJ
cblr-1739	786	10	side	side	NOUN
cblr-1739	786	11	of	of	ADP
cblr-1739	786	12	gaming	gaming	NOUN
cblr-1739	786	13	:	:	PUNCT
cblr-1739	786	14	how	how	SCONJ
cblr-1739	786	15	playing	play	VERB
cblr-1739	786	16	online	online	ADJ
cblr-1739	786	17	computer	computer	NOUN
cblr-1739	786	18	games	game	NOUN
cblr-1739	786	19	creates	create	VERB
cblr-1739	786	20	online	online	ADV
cblr-1739	786	21	and	and	CCONJ
cblr-1739	786	22	offline	offline	ADJ
cblr-1739	786	23	social	social	ADJ
cblr-1739	786	24	support	support	NOUN
cblr-1739	786	25	,	,	PUNCT
cblr-1739	786	26	28	28	NUM
cblr-1739	786	27	computers	computer	NOUN
cblr-1739	786	28	hum	hum	ADJ
cblr-1739	786	29	.	.	PUNCT
cblr-1739	787	1	behav	behav	PROPN
cblr-1739	787	2	.	.	PUNCT
cblr-1739	787	3	832	832	NUM
cblr-1739	787	4	,	,	PUNCT
cblr-1739	787	5	832	832	NUM
cblr-1739	787	6	(	(	PUNCT
cblr-1739	787	7	2012	2012	NUM
cblr-1739	787	8	)	)	PUNCT
cblr-1739	787	9	(	(	PUNCT
cblr-1739	787	10	“	"	PUNCT
cblr-1739	787	11	the	the	DET
cblr-1739	787	12	results	result	NOUN
cblr-1739	787	13	complement	complement	VERB
cblr-1739	787	14	existing	exist	VERB
cblr-1739	787	15	research	research	NOUN
cblr-1739	787	16	by	by	ADP
cblr-1739	787	17	showing	show	VERB
cblr-1739	787	18	that	that	SCONJ
cblr-1739	787	19	online	online	ADJ
cblr-1739	787	20	gaming	gaming	NOUN
cblr-1739	787	21	may	may	AUX
cblr-1739	787	22	result	result	VERB
cblr-1739	787	23	in	in	ADP
cblr-1739	787	24	strong	strong	ADJ
cblr-1739	787	25	social	social	ADJ
cblr-1739	787	26	ties	tie	NOUN
cblr-1739	787	27	,	,	PUNCT
cblr-1739	787	28	if	if	SCONJ
cblr-1739	787	29	gamers	gamer	NOUN
cblr-1739	787	30	engage	engage	VERB
cblr-1739	787	31	in	in	ADP
cblr-1739	787	32	online	online	ADJ
cblr-1739	787	33	activities	activity	NOUN
cblr-1739	787	34	that	that	PRON
cblr-1739	787	35	continue	continue	VERB
cblr-1739	787	36	beyond	beyond	ADP
cblr-1739	787	37	the	the	DET
cblr-1739	787	38	game	game	NOUN
cblr-1739	787	39	and	and	CCONJ
cblr-1739	787	40	extend	extend	VERB
cblr-1739	787	41	these	these	PRON
cblr-1739	787	42	with	with	ADP
cblr-1739	787	43	offline	offline	ADJ
cblr-1739	787	44	activities	activity	NOUN
cblr-1739	787	45	.	.	PUNCT
cblr-1739	787	46	”	"	PUNCT
cblr-1739	787	47	)	)	PUNCT
cblr-1739	787	48	.	.	PUNCT
cblr-1739	788	1	geslevich	geslevich	PROPN
cblr-1739	788	2	packin	packin	PROPN
cblr-1739	788	3	&	&	CCONJ
cblr-1739	788	4	lev	lev	PROPN
cblr-1739	788	5	-	-	PUNCT
cblr-1739	788	6	aretz	aretz	PROPN
cblr-1739	788	7	–	–	PUNCT
cblr-1739	788	8	final	final	ADJ
cblr-1739	788	9	no	no	NOUN
cblr-1739	788	10	.	.	PUNCT
cblr-1739	789	1	2:339	2:339	NUM
cblr-1739	789	2	]	]	X
cblr-1739	789	3	on	on	ADP
cblr-1739	789	4	social	social	ADJ
cblr-1739	789	5	credit	credit	NOUN
cblr-1739	789	6	395	395	NUM
cblr-1739	789	7	another	another	PRON
cblr-1739	789	8	,	,	PUNCT
cblr-1739	789	9	going	go	VERB
cblr-1739	789	10	through	through	ADP
cblr-1739	789	11	career	career	NOUN
cblr-1739	789	12	and	and	CCONJ
cblr-1739	789	13	life	life	NOUN
cblr-1739	789	14	changes	change	NOUN
cblr-1739	789	15	.	.	PUNCT
cblr-1739	790	1	thus	thus	ADV
cblr-1739	790	2	,	,	PUNCT
cblr-1739	790	3	social	social	ADJ
cblr-1739	790	4	networks	network	NOUN
cblr-1739	790	5	preserve	preserve	VERB
cblr-1739	790	6	connections	connection	NOUN
cblr-1739	790	7	initiated	initiate	VERB
cblr-1739	790	8	in	in	ADP
cblr-1739	790	9	an	an	DET
cblr-1739	790	10	earlier	early	ADJ
cblr-1739	790	11	point	point	NOUN
cblr-1739	790	12	of	of	ADP
cblr-1739	790	13	life	life	NOUN
cblr-1739	790	14	,	,	PUNCT
cblr-1739	790	15	even	even	ADV
cblr-1739	790	16	if	if	SCONJ
cblr-1739	790	17	the	the	DET
cblr-1739	790	18	number	number	NOUN
cblr-1739	790	19	of	of	ADP
cblr-1739	790	20	similarity	similarity	NOUN
cblr-1739	790	21	points	point	NOUN
cblr-1739	790	22	has	have	AUX
cblr-1739	790	23	decreased	decrease	VERB
cblr-1739	790	24	dramatically	dramatically	ADV
cblr-1739	790	25	over	over	ADP
cblr-1739	790	26	time.208	time.208	VERB
cblr-1739	790	27	the	the	DET
cblr-1739	790	28	consequences	consequence	NOUN
cblr-1739	790	29	of	of	ADP
cblr-1739	790	30	rational	rational	ADJ
cblr-1739	790	31	users	user	NOUN
cblr-1739	790	32	’	'	PUNCT
cblr-1739	790	33	perfecting	perfect	VERB
cblr-1739	790	34	their	their	PRON
cblr-1739	790	35	profiles	profile	NOUN
cblr-1739	790	36	in	in	ADP
cblr-1739	790	37	response	response	NOUN
cblr-1739	790	38	to	to	ADP
cblr-1739	790	39	social	social	ADJ
cblr-1739	790	40	-	-	PUNCT
cblr-1739	790	41	based	base	VERB
cblr-1739	790	42	financial	financial	ADJ
cblr-1739	790	43	ranking	ranking	NOUN
cblr-1739	790	44	are	be	AUX
cblr-1739	790	45	likely	likely	ADJ
cblr-1739	790	46	to	to	PART
cblr-1739	790	47	go	go	VERB
cblr-1739	790	48	beyond	beyond	ADP
cblr-1739	790	49	virtual	virtual	ADJ
cblr-1739	790	50	realms	realm	NOUN
cblr-1739	790	51	.	.	PUNCT
cblr-1739	791	1	studies	study	NOUN
cblr-1739	791	2	have	have	AUX
cblr-1739	791	3	found	find	VERB
cblr-1739	791	4	a	a	DET
cblr-1739	791	5	strong	strong	ADJ
cblr-1739	791	6	link	link	NOUN
cblr-1739	791	7	between	between	ADP
cblr-1739	791	8	online	online	ADJ
cblr-1739	791	9	and	and	CCONJ
cblr-1739	791	10	offline	offline	ADJ
cblr-1739	791	11	socialization	socialization	NOUN
cblr-1739	791	12	,	,	PUNCT
cblr-1739	791	13	both	both	CCONJ
cblr-1739	791	14	in	in	ADP
cblr-1739	791	15	terms	term	NOUN
cblr-1739	791	16	of	of	ADP
cblr-1739	791	17	causality	causality	NOUN
cblr-1739	791	18	—	—	PUNCT
cblr-1739	791	19	offline	offline	ADJ
cblr-1739	791	20	connections	connection	NOUN
cblr-1739	791	21	result	result	VERB
cblr-1739	791	22	in	in	ADP
cblr-1739	791	23	online	online	ADJ
cblr-1739	791	24	connections	connection	NOUN
cblr-1739	791	25	and	and	CCONJ
cblr-1739	791	26	vice	vice	NOUN
cblr-1739	791	27	versa	versa	ADV
cblr-1739	791	28	—	—	PUNCT
cblr-1739	791	29	and	and	CCONJ
cblr-1739	791	30	in	in	ADP
cblr-1739	791	31	terms	term	NOUN
cblr-1739	791	32	of	of	ADP
cblr-1739	791	33	maintenance	maintenance	NOUN
cblr-1739	791	34	.	.	PUNCT
cblr-1739	792	1	offline	offline	ADJ
cblr-1739	792	2	social	social	ADJ
cblr-1739	792	3	networks	network	NOUN
cblr-1739	792	4	are	be	AUX
cblr-1739	792	5	supported	support	VERB
cblr-1739	792	6	and	and	CCONJ
cblr-1739	792	7	reinforced	reinforce	VERB
cblr-1739	792	8	via	via	ADP
cblr-1739	792	9	online	online	ADJ
cblr-1739	792	10	social	social	ADJ
cblr-1739	793	1	networks.209	networks.209	ADV
cblr-1739	793	2	that	that	PRON
cblr-1739	793	3	is	be	AUX
cblr-1739	793	4	,	,	PUNCT
cblr-1739	793	5	rather	rather	ADV
cblr-1739	793	6	than	than	ADP
cblr-1739	793	7	operating	operate	VERB
cblr-1739	793	8	as	as	ADP
cblr-1739	793	9	separate	separate	ADJ
cblr-1739	793	10	domains	domain	NOUN
cblr-1739	793	11	for	for	ADP
cblr-1739	793	12	social	social	ADJ
cblr-1739	793	13	action	action	NOUN
cblr-1739	793	14	,	,	PUNCT
cblr-1739	793	15	online	online	ADJ
cblr-1739	793	16	social	social	ADJ
cblr-1739	793	17	networks	network	NOUN
cblr-1739	793	18	merge	merge	VERB
cblr-1739	793	19	online	online	ADV
cblr-1739	793	20	and	and	CCONJ
cblr-1739	793	21	offline	offline	ADJ
cblr-1739	793	22	behavior	behavior	NOUN
cblr-1739	793	23	and	and	CCONJ
cblr-1739	793	24	should	should	AUX
cblr-1739	793	25	be	be	AUX
cblr-1739	793	26	viewed	view	VERB
cblr-1739	793	27	as	as	ADP
cblr-1739	793	28	an	an	DET
cblr-1739	793	29	integrated	integrated	ADJ
cblr-1739	793	30	set	set	NOUN
cblr-1739	793	31	of	of	ADP
cblr-1739	793	32	communication	communication	NOUN
cblr-1739	793	33	practices.210	practices.210	PROPN
cblr-1739	793	34	accordingly	accordingly	ADV
cblr-1739	793	35	,	,	PUNCT
cblr-1739	793	36	if	if	SCONJ
cblr-1739	793	37	a	a	DET
cblr-1739	793	38	practice	practice	NOUN
cblr-1739	793	39	of	of	ADP
cblr-1739	793	40	filtering	filter	VERB
cblr-1739	793	41	one	one	NUM
cblr-1739	793	42	’s	’s	PART
cblr-1739	793	43	online	online	ADJ
cblr-1739	793	44	friends	friend	NOUN
cblr-1739	793	45	list	list	NOUN
cblr-1739	793	46	based	base	VERB
cblr-1739	793	47	on	on	ADP
cblr-1739	793	48	financial	financial	ADJ
cblr-1739	793	49	health	health	NOUN
cblr-1739	793	50	and	and	CCONJ
cblr-1739	793	51	possible	possible	ADJ
cblr-1739	793	52	risk	risk	NOUN
cblr-1739	793	53	indicators	indicator	NOUN
cblr-1739	793	54	becomes	become	VERB
cblr-1739	793	55	commonplace	commonplace	ADJ
cblr-1739	793	56	,	,	PUNCT
cblr-1739	793	57	it	it	PRON
cblr-1739	793	58	would	would	AUX
cblr-1739	793	59	have	have	VERB
cblr-1739	793	60	real	real	ADJ
cblr-1739	793	61	life	life	NOUN
cblr-1739	793	62	consequences	consequence	NOUN
cblr-1739	793	63	.	.	PUNCT
cblr-1739	794	1	because	because	SCONJ
cblr-1739	794	2	our	our	PRON
cblr-1739	794	3	tangible	tangible	ADJ
cblr-1739	794	4	world	world	NOUN
cblr-1739	794	5	is	be	AUX
cblr-1739	794	6	heavily	heavily	ADV
cblr-1739	794	7	supported	support	VERB
cblr-1739	794	8	by	by	ADP
cblr-1739	794	9	its	its	PRON
cblr-1739	794	10	virtual	virtual	ADJ
cblr-1739	794	11	counterpart	counterpart	NOUN
cblr-1739	794	12	,	,	PUNCT
cblr-1739	794	13	online	online	ADJ
cblr-1739	794	14	social	social	ADJ
cblr-1739	794	15	polarization	polarization	NOUN
cblr-1739	794	16	means	mean	VERB
cblr-1739	794	17	that	that	SCONJ
cblr-1739	794	18	offline	offline	ADJ
cblr-1739	794	19	connections	connection	NOUN
cblr-1739	794	20	with	with	ADP
cblr-1739	794	21	no	no	DET
cblr-1739	794	22	online	online	ADJ
cblr-1739	794	23	equivalence	equivalence	NOUN
cblr-1739	794	24	are	be	AUX
cblr-1739	794	25	costlier	costly	ADJ
cblr-1739	794	26	.	.	PUNCT
cblr-1739	795	1	support	support	NOUN
cblr-1739	795	2	from	from	ADP
cblr-1739	795	3	online	online	ADJ
cblr-1739	795	4	social	social	ADJ
cblr-1739	795	5	networks	network	NOUN
cblr-1739	795	6	allows	allow	VERB
cblr-1739	795	7	individuals	individual	NOUN
cblr-1739	795	8	to	to	PART
cblr-1739	795	9	more	more	ADV
cblr-1739	795	10	efficiently	efficiently	ADV
cblr-1739	795	11	bolster	bolster	VERB
cblr-1739	795	12	their	their	PRON
cblr-1739	795	13	offline	offline	ADJ
cblr-1739	795	14	social	social	ADJ
cblr-1739	795	15	ties	tie	NOUN
cblr-1739	795	16	.	.	PUNCT
cblr-1739	796	1	judging	judge	VERB
cblr-1739	796	2	by	by	ADP
cblr-1739	796	3	208	208	NUM
cblr-1739	796	4	ellison	ellison	NOUN
cblr-1739	796	5	et	et	PROPN
cblr-1739	796	6	al	al	PROPN
cblr-1739	796	7	.	.	PROPN
cblr-1739	796	8	,	,	PUNCT
cblr-1739	796	9	supra	supra	PROPN
cblr-1739	796	10	note	note	PROPN
cblr-1739	796	11	24	24	NUM
cblr-1739	796	12	,	,	PUNCT
cblr-1739	796	13	at	at	ADP
cblr-1739	796	14	1165	1165	NUM
cblr-1739	796	15	.	.	PUNCT
cblr-1739	797	1	209	209	NUM
cblr-1739	797	2	see	see	VERB
cblr-1739	797	3	,	,	PUNCT
cblr-1739	797	4	e.g.	e.g.	ADV
cblr-1739	797	5	,	,	PUNCT
cblr-1739	797	6	i	i	PRON
cblr-1739	797	7	d.	d.	PROPN
cblr-1739	797	8	at	at	ADP
cblr-1739	797	9	1144	1144	NUM
cblr-1739	797	10	(	(	PUNCT
cblr-1739	797	11	finding	find	VERB
cblr-1739	797	12	that	that	SCONJ
cblr-1739	797	13	individuals	individual	NOUN
cblr-1739	797	14	tend	tend	VERB
cblr-1739	797	15	to	to	PART
cblr-1739	797	16	use	use	VERB
cblr-1739	797	17	the	the	DET
cblr-1739	797	18	online	online	ADJ
cblr-1739	797	19	space	space	NOUN
cblr-1739	797	20	for	for	ADP
cblr-1739	797	21	supporting	support	VERB
cblr-1739	797	22	mostly	mostly	ADV
cblr-1739	797	23	offline	offline	ADJ
cblr-1739	797	24	relationships	relationship	NOUN
cblr-1739	797	25	but	but	CCONJ
cblr-1739	797	26	also	also	ADV
cblr-1739	797	27	to	to	PART
cblr-1739	797	28	form	form	VERB
cblr-1739	797	29	new	new	ADJ
cblr-1739	797	30	connections	connection	NOUN
cblr-1739	797	31	)	)	PUNCT
cblr-1739	797	32	;	;	PUNCT
cblr-1739	797	33	kaveri	kaveri	PROPN
cblr-1739	797	34	subrahmanyam	subrahmanyam	PROPN
cblr-1739	797	35	et	et	PROPN
cblr-1739	797	36	al	al	PROPN
cblr-1739	797	37	.	.	PROPN
cblr-1739	797	38	,	,	PUNCT
cblr-1739	797	39	online	online	ADJ
cblr-1739	797	40	and	and	CCONJ
cblr-1739	797	41	offline	offline	ADJ
cblr-1739	797	42	social	social	ADJ
cblr-1739	797	43	networks	network	NOUN
cblr-1739	797	44	:	:	PUNCT
cblr-1739	797	45	use	use	NOUN
cblr-1739	797	46	of	of	ADP
cblr-1739	797	47	social	social	ADJ
cblr-1739	797	48	networking	networking	NOUN
cblr-1739	797	49	sites	site	NOUN
cblr-1739	797	50	by	by	ADP
cblr-1739	797	51	emerging	emerge	VERB
cblr-1739	797	52	adults	adult	NOUN
cblr-1739	797	53	,	,	PUNCT
cblr-1739	797	54	29	29	NUM
cblr-1739	797	55	j.	j.	PROPN
cblr-1739	797	56	applied	apply	VERB
cblr-1739	797	57	developmental	developmental	ADJ
cblr-1739	797	58	psychol	psychol	NOUN
cblr-1739	797	59	.	.	PUNCT
cblr-1739	798	1	420	420	NUM
cblr-1739	798	2	,	,	PUNCT
cblr-1739	798	3	427–28	427–28	PROPN
cblr-1739	798	4	(	(	PUNCT
cblr-1739	798	5	2008	2008	NUM
cblr-1739	798	6	)	)	PUNCT
cblr-1739	798	7	;	;	PUNCT
cblr-1739	798	8	sandra	sandra	PROPN
cblr-1739	798	9	zwier	zwier	PROPN
cblr-1739	798	10	et	et	PROPN
cblr-1739	798	11	al	al	PROPN
cblr-1739	798	12	.	.	PROPN
cblr-1739	798	13	,	,	PUNCT
cblr-1739	798	14	boundaries	boundary	NOUN
cblr-1739	798	15	to	to	ADP
cblr-1739	798	16	the	the	DET
cblr-1739	798	17	articulation	articulation	NOUN
cblr-1739	798	18	of	of	ADP
cblr-1739	798	19	possible	possible	ADJ
cblr-1739	798	20	selves	self	NOUN
cblr-1739	798	21	through	through	ADP
cblr-1739	798	22	social	social	ADJ
cblr-1739	798	23	networking	network	VERB
cblr-1739	798	24	sites	site	NOUN
cblr-1739	798	25	:	:	PUNCT
cblr-1739	798	26	the	the	DET
cblr-1739	798	27	case	case	NOUN
cblr-1739	798	28	of	of	ADP
cblr-1739	798	29	facebook	facebook	NOUN
cblr-1739	798	30	profilers	profiler	NOUN
cblr-1739	798	31	’	'	PUNCT
cblr-1739	798	32	social	social	ADJ
cblr-1739	798	33	connectedness	connectedness	NOUN
cblr-1739	798	34	,	,	PUNCT
cblr-1739	798	35	14	14	NUM
cblr-1739	798	36	cyberpsychology	cyberpsychology	NOUN
cblr-1739	798	37	,	,	PUNCT
cblr-1739	798	38	behav	behav	NOUN
cblr-1739	798	39	.	.	PUNCT
cblr-1739	798	40	&	&	CCONJ
cblr-1739	798	41	soc	soc	PROPN
cblr-1739	798	42	.	.	PUNCT
cblr-1739	799	1	networking	network	VERB
cblr-1739	799	2	571	571	NUM
cblr-1739	799	3	,	,	PUNCT
cblr-1739	799	4	575	575	NUM
cblr-1739	799	5	(	(	PUNCT
cblr-1739	799	6	2011	2011	NUM
cblr-1739	799	7	)	)	PUNCT
cblr-1739	799	8	.	.	PUNCT
cblr-1739	800	1	210	210	NUM
cblr-1739	800	2	see	see	VERB
cblr-1739	800	3	,	,	PUNCT
cblr-1739	800	4	e.g.	e.g.	ADV
cblr-1739	800	5	,	,	PUNCT
cblr-1739	800	6	nicole	nicole	PROPN
cblr-1739	800	7	ellison	ellison	PROPN
cblr-1739	800	8	et	et	PROPN
cblr-1739	800	9	al	al	PROPN
cblr-1739	800	10	.	.	PROPN
cblr-1739	800	11	,	,	PUNCT
cblr-1739	800	12	with	with	ADP
cblr-1739	800	13	a	a	DET
cblr-1739	800	14	little	little	ADJ
cblr-1739	800	15	help	help	NOUN
cblr-1739	800	16	from	from	ADP
cblr-1739	800	17	my	my	PRON
cblr-1739	800	18	friends	friend	NOUN
cblr-1739	800	19	:	:	PUNCT
cblr-1739	800	20	social	social	ADJ
cblr-1739	800	21	network	network	NOUN
cblr-1739	800	22	sites	site	NOUN
cblr-1739	800	23	and	and	CCONJ
cblr-1739	800	24	social	social	ADJ
cblr-1739	800	25	capital	capital	NOUN
cblr-1739	800	26	,	,	PUNCT
cblr-1739	800	27	in	in	ADP
cblr-1739	800	28	a	a	DET
cblr-1739	800	29	networked	networked	ADJ
cblr-1739	800	30	self	self	NOUN
cblr-1739	800	31	:	:	PUNCT
cblr-1739	800	32	identity	identity	NOUN
cblr-1739	800	33	,	,	PUNCT
cblr-1739	800	34	community	community	NOUN
cblr-1739	800	35	and	and	CCONJ
cblr-1739	800	36	culture	culture	NOUN
cblr-1739	800	37	on	on	ADP
cblr-1739	800	38	social	social	ADJ
cblr-1739	800	39	network	network	NOUN
cblr-1739	800	40	sites	site	NOUN
cblr-1739	800	41	(	(	PUNCT
cblr-1739	800	42	zizi	zizi	PROPN
cblr-1739	800	43	papacharissi	papacharissi	PROPN
cblr-1739	800	44	ed	ed	PROPN
cblr-1739	800	45	.	.	PROPN
cblr-1739	800	46	,	,	PUNCT
cblr-1739	800	47	2011	2011	NUM
cblr-1739	800	48	)	)	PUNCT
cblr-1739	800	49	;	;	PUNCT
cblr-1739	800	50	charles	charles	PROPN
cblr-1739	800	51	steinfield	steinfield	PROPN
cblr-1739	800	52	et	et	PROPN
cblr-1739	800	53	al	al	PROPN
cblr-1739	800	54	.	.	PROPN
cblr-1739	800	55	,	,	PUNCT
cblr-1739	800	56	online	online	ADJ
cblr-1739	800	57	social	social	ADJ
cblr-1739	800	58	networks	network	NOUN
cblr-1739	800	59	sites	site	NOUN
cblr-1739	800	60	and	and	CCONJ
cblr-1739	800	61	the	the	DET
cblr-1739	800	62	concept	concept	NOUN
cblr-1739	800	63	of	of	ADP
cblr-1739	800	64	social	social	ADJ
cblr-1739	800	65	capital	capital	NOUN
cblr-1739	800	66	,	,	PUNCT
cblr-1739	800	67	in	in	ADP
cblr-1739	800	68	frontiers	frontier	NOUN
cblr-1739	800	69	in	in	ADP
cblr-1739	800	70	new	new	ADJ
cblr-1739	800	71	media	medium	NOUN
cblr-1739	800	72	research	research	NOUN
cblr-1739	800	73	115	115	NUM
cblr-1739	800	74	(	(	PUNCT
cblr-1739	800	75	francis	francis	PROPN
cblr-1739	800	76	l.	l.	PROPN
cblr-1739	800	77	f.	f.	PROPN
cblr-1739	800	78	lee	lee	PROPN
cblr-1739	800	79	et	et	PROPN
cblr-1739	800	80	al	al	PROPN
cblr-1739	800	81	.	.	PUNCT
cblr-1739	801	1	eds	eds	PROPN
cblr-1739	801	2	.	.	PROPN
cblr-1739	801	3	,	,	PUNCT
cblr-1739	801	4	2012	2012	NUM
cblr-1739	801	5	)	)	PUNCT
cblr-1739	801	6	;	;	PUNCT
cblr-1739	802	1	ellison	ellison	PROPN
cblr-1739	802	2	et	et	PROPN
cblr-1739	802	3	al	al	PROPN
cblr-1739	802	4	.	.	PROPN
cblr-1739	802	5	,	,	PUNCT
cblr-1739	802	6	supra	supra	PROPN
cblr-1739	802	7	note	note	PROPN
cblr-1739	802	8	24	24	NUM
cblr-1739	802	9	,	,	PUNCT
cblr-1739	802	10	at	at	ADP
cblr-1739	802	11	1150	1150	NUM
cblr-1739	802	12	;	;	PUNCT
cblr-1739	802	13	adalbert	adalbert	PROPN
cblr-1739	802	14	mayer	mayer	PROPN
cblr-1739	802	15	&	&	CCONJ
cblr-1739	802	16	steven	steven	PROPN
cblr-1739	802	17	l.	l.	PROPN
cblr-1739	802	18	puller	puller	PROPN
cblr-1739	802	19	,	,	PUNCT
cblr-1739	802	20	the	the	DET
cblr-1739	802	21	old	old	ADJ
cblr-1739	802	22	boy	boy	NOUN
cblr-1739	802	23	(	(	PUNCT
cblr-1739	802	24	and	and	CCONJ
cblr-1739	802	25	girl	girl	NOUN
cblr-1739	802	26	)	)	PUNCT
cblr-1739	802	27	network	network	NOUN
cblr-1739	802	28	:	:	PUNCT
cblr-1739	802	29	social	social	ADJ
cblr-1739	802	30	network	network	NOUN
cblr-1739	802	31	formation	formation	NOUN
cblr-1739	802	32	on	on	ADP
cblr-1739	802	33	university	university	NOUN
cblr-1739	802	34	campuses	campus	NOUN
cblr-1739	802	35	,	,	PUNCT
cblr-1739	802	36	92	92	NUM
cblr-1739	802	37	j.	j.	PROPN
cblr-1739	802	38	pub	pub	PROPN
cblr-1739	802	39	.	.	PUNCT
cblr-1739	802	40	econ	econ	PROPN
cblr-1739	802	41	.	.	PUNCT
cblr-1739	802	42	329	329	NUM
cblr-1739	802	43	,	,	PUNCT
cblr-1739	802	44	346	346	NUM
cblr-1739	802	45	(	(	PUNCT
cblr-1739	802	46	2008	2008	NUM
cblr-1739	802	47	)	)	PUNCT
cblr-1739	802	48	.	.	PUNCT
cblr-1739	803	1	geslevich	geslevich	PROPN
cblr-1739	803	2	packin	packin	PROPN
cblr-1739	803	3	&	&	CCONJ
cblr-1739	803	4	lev	lev	PROPN
cblr-1739	803	5	-	-	PUNCT
cblr-1739	803	6	aretz	aretz	PROPN
cblr-1739	803	7	–	–	PUNCT
cblr-1739	803	8	final	final	ADJ
cblr-1739	803	9	396	396	NUM
cblr-1739	803	10	columbia	columbia	PROPN
cblr-1739	803	11	business	business	NOUN
cblr-1739	803	12	law	law	PROPN
cblr-1739	803	13	review	review	NOUN
cblr-1739	804	1	[	[	X
cblr-1739	804	2	vol	vol	NOUN
cblr-1739	804	3	.	.	NOUN
cblr-1739	804	4	2016	2016	NUM
cblr-1739	804	5	the	the	DET
cblr-1739	804	6	number	number	NOUN
cblr-1739	804	7	of	of	ADP
cblr-1739	804	8	active	active	ADJ
cblr-1739	804	9	users	user	NOUN
cblr-1739	804	10	,	,	PUNCT
cblr-1739	804	11	this	this	DET
cblr-1739	804	12	choice	choice	NOUN
cblr-1739	804	13	is	be	AUX
cblr-1739	804	14	enthusiastically	enthusiastically	ADV
cblr-1739	804	15	opted	opt	VERB
cblr-1739	804	16	for	for	ADP
cblr-1739	804	17	and	and	CCONJ
cblr-1739	804	18	widely	widely	ADV
cblr-1739	804	19	used.211	used.211	NUM
cblr-1739	804	20	while	while	SCONJ
cblr-1739	804	21	users	user	NOUN
cblr-1739	804	22	could	could	AUX
cblr-1739	804	23	maintain	maintain	VERB
cblr-1739	804	24	offline	offline	ADJ
cblr-1739	804	25	relationships	relationship	NOUN
cblr-1739	804	26	with	with	ADP
cblr-1739	804	27	no	no	DET
cblr-1739	804	28	online	online	ADJ
cblr-1739	804	29	trace	trace	NOUN
cblr-1739	804	30	,	,	PUNCT
cblr-1739	804	31	such	such	ADJ
cblr-1739	804	32	maintenance	maintenance	NOUN
cblr-1739	804	33	would	would	AUX
cblr-1739	804	34	be	be	AUX
cblr-1739	804	35	harder	hard	ADJ
cblr-1739	804	36	.	.	PUNCT
cblr-1739	805	1	most	most	ADJ
cblr-1739	805	2	individuals	individual	NOUN
cblr-1739	805	3	would	would	AUX
cblr-1739	805	4	be	be	AUX
cblr-1739	805	5	left	leave	VERB
cblr-1739	805	6	with	with	ADP
cblr-1739	805	7	only	only	ADJ
cblr-1739	805	8	strong	strong	ADJ
cblr-1739	805	9	bonds	bond	NOUN
cblr-1739	805	10	that	that	PRON
cblr-1739	805	11	are	be	AUX
cblr-1739	805	12	oftentimes	oftentime	NOUN
cblr-1739	805	13	supported	support	VERB
cblr-1739	805	14	by	by	ADP
cblr-1739	805	15	geographical	geographical	ADJ
cblr-1739	805	16	proximity	proximity	NOUN
cblr-1739	805	17	.	.	PUNCT
cblr-1739	806	1	without	without	ADP
cblr-1739	806	2	facebook	facebook	NOUN
cblr-1739	806	3	,	,	PUNCT
cblr-1739	806	4	keeping	keep	VERB
cblr-1739	806	5	in	in	ADP
cblr-1739	806	6	touch	touch	NOUN
cblr-1739	806	7	with	with	ADP
cblr-1739	806	8	one	one	NUM
cblr-1739	806	9	’s	’s	PART
cblr-1739	806	10	high	high	ADJ
cblr-1739	806	11	school	school	NOUN
cblr-1739	806	12	friends	friend	NOUN
cblr-1739	806	13	across	across	ADP
cblr-1739	806	14	the	the	DET
cblr-1739	806	15	ocean	ocean	NOUN
cblr-1739	806	16	could	could	AUX
cblr-1739	806	17	seem	seem	VERB
cblr-1739	806	18	less	less	ADV
cblr-1739	806	19	attractive	attractive	ADJ
cblr-1739	806	20	and	and	CCONJ
cblr-1739	806	21	unworthy	unworthy	ADJ
cblr-1739	806	22	of	of	ADP
cblr-1739	806	23	one	one	NUM
cblr-1739	806	24	’s	’s	PART
cblr-1739	806	25	time	time	NOUN
cblr-1739	806	26	.	.	PUNCT
cblr-1739	807	1	widespread	widespread	ADJ
cblr-1739	807	2	online	online	ADJ
cblr-1739	807	3	segregation	segregation	NOUN
cblr-1739	807	4	caused	cause	VERB
cblr-1739	807	5	by	by	ADP
cblr-1739	807	6	social	social	ADJ
cblr-1739	807	7	financial	financial	ADJ
cblr-1739	807	8	ranking	ranking	NOUN
cblr-1739	807	9	could	could	AUX
cblr-1739	807	10	also	also	ADV
cblr-1739	807	11	legitimize	legitimize	VERB
cblr-1739	807	12	the	the	DET
cblr-1739	807	13	idea	idea	NOUN
cblr-1739	807	14	that	that	SCONJ
cblr-1739	807	15	people	people	NOUN
cblr-1739	807	16	should	should	AUX
cblr-1739	807	17	be	be	AUX
cblr-1739	807	18	valued	value	VERB
cblr-1739	807	19	by	by	ADP
cblr-1739	807	20	their	their	PRON
cblr-1739	807	21	economic	economic	ADJ
cblr-1739	807	22	standing	standing	NOUN
cblr-1739	807	23	,	,	PUNCT
cblr-1739	807	24	and	and	CCONJ
cblr-1739	807	25	that	that	DET
cblr-1739	807	26	friendships	friendship	NOUN
cblr-1739	807	27	should	should	AUX
cblr-1739	807	28	accordingly	accordingly	ADV
cblr-1739	807	29	occur	occur	VERB
cblr-1739	807	30	only	only	ADV
cblr-1739	807	31	among	among	ADP
cblr-1739	807	32	homogenous	homogenous	ADJ
cblr-1739	807	33	groups	group	NOUN
cblr-1739	807	34	.	.	PUNCT
cblr-1739	808	1	once	once	ADV
cblr-1739	808	2	validated	validate	VERB
cblr-1739	808	3	online	online	ADJ
cblr-1739	808	4	,	,	PUNCT
cblr-1739	808	5	such	such	DET
cblr-1739	808	6	a	a	DET
cblr-1739	808	7	view	view	NOUN
cblr-1739	808	8	may	may	AUX
cblr-1739	808	9	be	be	AUX
cblr-1739	808	10	easily	easily	ADV
cblr-1739	808	11	exported	export	VERB
cblr-1739	808	12	offline	offline	ADJ
cblr-1739	808	13	,	,	PUNCT
cblr-1739	808	14	bringing	bring	VERB
cblr-1739	808	15	a	a	DET
cblr-1739	808	16	second	second	ADJ
cblr-1739	808	17	-	-	PUNCT
cblr-1739	808	18	generation	generation	NOUN
cblr-1739	808	19	separate	separate	ADJ
cblr-1739	808	20	-	-	PUNCT
cblr-1739	808	21	but	but	CCONJ
cblr-1739	808	22	-	-	PUNCT
cblr-1739	808	23	equal	equal	ADJ
cblr-1739	808	24	regime	regime	NOUN
cblr-1739	808	25	into	into	ADP
cblr-1739	808	26	being	be	AUX
cblr-1739	808	27	.	.	PUNCT
cblr-1739	809	1	b.	b.	PROPN
cblr-1739	809	2	social	social	ADJ
cblr-1739	809	3	harms	harm	NOUN
cblr-1739	809	4	:	:	PUNCT
cblr-1739	809	5	decrease	decrease	NOUN
cblr-1739	809	6	in	in	ADP
cblr-1739	809	7	social	social	ADJ
cblr-1739	809	8	capital	capital	NOUN
cblr-1739	809	9	and	and	CCONJ
cblr-1739	809	10	lower	low	ADJ
cblr-1739	809	11	social	social	ADJ
cblr-1739	809	12	mobility	mobility	NOUN
cblr-1739	809	13	the	the	DET
cblr-1739	809	14	potential	potential	ADJ
cblr-1739	809	15	score	score	NOUN
cblr-1739	809	16	-	-	PUNCT
cblr-1739	809	17	based	base	VERB
cblr-1739	809	18	segregation	segregation	NOUN
cblr-1739	809	19	online	online	ADV
cblr-1739	809	20	and	and	CCONJ
cblr-1739	809	21	offline	offline	ADJ
cblr-1739	809	22	could	could	AUX
cblr-1739	809	23	have	have	VERB
cblr-1739	809	24	a	a	DET
cblr-1739	809	25	number	number	NOUN
cblr-1739	809	26	of	of	ADP
cblr-1739	809	27	adverse	adverse	ADJ
cblr-1739	809	28	consequences	consequence	NOUN
cblr-1739	809	29	.	.	PUNCT
cblr-1739	810	1	first	first	ADV
cblr-1739	810	2	,	,	PUNCT
cblr-1739	810	3	intentional	intentional	ADJ
cblr-1739	810	4	changes	change	NOUN
cblr-1739	810	5	to	to	ADP
cblr-1739	810	6	one	one	NUM
cblr-1739	810	7	’s	’s	PART
cblr-1739	810	8	online	online	ADJ
cblr-1739	810	9	social	social	ADJ
cblr-1739	810	10	circles	circle	NOUN
cblr-1739	810	11	curtail	curtail	VERB
cblr-1739	810	12	the	the	DET
cblr-1739	810	13	resources	resource	NOUN
cblr-1739	810	14	accumulated	accumulate	VERB
cblr-1739	810	15	through	through	ADP
cblr-1739	810	16	relationships	relationship	NOUN
cblr-1739	810	17	among	among	ADP
cblr-1739	810	18	people	people	NOUN
cblr-1739	810	19	,	,	PUNCT
cblr-1739	810	20	broadly	broadly	ADV
cblr-1739	810	21	conceptualized	conceptualize	VERB
cblr-1739	810	22	as	as	SCONJ
cblr-1739	810	23	social	social	ADJ
cblr-1739	810	24	capital.212	capital.212	PROPN
cblr-1739	810	25	social	social	ADJ
cblr-1739	810	26	capital	capital	NOUN
cblr-1739	810	27	empowers	empower	VERB
cblr-1739	810	28	individuals	individual	NOUN
cblr-1739	810	29	to	to	PART
cblr-1739	810	30	draw	draw	VERB
cblr-1739	810	31	on	on	ADP
cblr-1739	810	32	the	the	DET
cblr-1739	810	33	resources	resource	NOUN
cblr-1739	810	34	of	of	ADP
cblr-1739	810	35	other	other	ADJ
cblr-1739	810	36	members	member	NOUN
cblr-1739	810	37	of	of	ADP
cblr-1739	810	38	their	their	PRON
cblr-1739	810	39	networks	network	NOUN
cblr-1739	810	40	,	,	PUNCT
cblr-1739	810	41	such	such	ADJ
cblr-1739	810	42	as	as	ADP
cblr-1739	810	43	useful	useful	ADJ
cblr-1739	810	44	information	information	NOUN
cblr-1739	810	45	,	,	PUNCT
cblr-1739	810	46	personal	personal	ADJ
cblr-1739	810	47	relationships	relationship	NOUN
cblr-1739	810	48	,	,	PUNCT
cblr-1739	810	49	or	or	CCONJ
cblr-1739	810	50	the	the	DET
cblr-1739	810	51	capacity	capacity	NOUN
cblr-1739	810	52	to	to	PART
cblr-1739	810	53	organize	organize	VERB
cblr-1739	810	54	groups.213	groups.213	NOUN
cblr-1739	810	55	studies	study	NOUN
cblr-1739	810	56	have	have	AUX
cblr-1739	810	57	established	establish	VERB
cblr-1739	810	58	a	a	DET
cblr-1739	810	59	clear	clear	ADJ
cblr-1739	810	60	link	link	NOUN
cblr-1739	810	61	between	between	ADP
cblr-1739	810	62	communities	community	NOUN
cblr-1739	810	63	211	211	NUM
cblr-1739	810	64	as	as	ADP
cblr-1739	810	65	of	of	ADP
cblr-1739	810	66	the	the	DET
cblr-1739	810	67	second	second	ADJ
cblr-1739	810	68	quarter	quarter	NOUN
cblr-1739	810	69	of	of	ADP
cblr-1739	810	70	2015	2015	NUM
cblr-1739	810	71	,	,	PUNCT
cblr-1739	810	72	facebook	facebook	PROPN
cblr-1739	810	73	had	have	VERB
cblr-1739	810	74	1.49	1.49	NUM
cblr-1739	810	75	billion	billion	NUM
cblr-1739	810	76	monthly	monthly	ADJ
cblr-1739	810	77	active	active	ADJ
cblr-1739	810	78	users	user	NOUN
cblr-1739	810	79	.	.	PUNCT
cblr-1739	811	1	see	see	VERB
cblr-1739	811	2	number	number	NOUN
cblr-1739	811	3	of	of	ADP
cblr-1739	811	4	monthly	monthly	ADJ
cblr-1739	811	5	active	active	ADJ
cblr-1739	811	6	facebook	facebook	NOUN
cblr-1739	811	7	users	user	NOUN
cblr-1739	811	8	worldwide	worldwide	ADV
cblr-1739	811	9	as	as	ADP
cblr-1739	811	10	of	of	ADP
cblr-1739	811	11	2nd	2nd	ADJ
cblr-1739	811	12	quarter	quarter	NOUN
cblr-1739	811	13	2015	2015	NUM
cblr-1739	811	14	(	(	PUNCT
cblr-1739	811	15	in	in	ADP
cblr-1739	811	16	millions	million	NOUN
cblr-1739	811	17	)	)	PUNCT
cblr-1739	811	18	,	,	PUNCT
cblr-1739	811	19	statista	statista	NOUN
cblr-1739	811	20	,	,	PUNCT
cblr-1739	811	21	http://	http://	PROPN
cblr-1739	811	22	www.statista.com/statistics/264810/number-of-monthly-active-facebookusers-worldwide/	www.statista.com/statistics/264810/number-of-monthly-active-facebookusers-worldwide/	X
cblr-1739	812	1	[	[	X
cblr-1739	812	2	http://perma.cc/t6mp-hy8r	http://perma.cc/t6mp-hy8r	X
cblr-1739	812	3	]	]	X
cblr-1739	812	4	.	.	PUNCT
cblr-1739	813	1	212	212	NUM
cblr-1739	813	2	see	see	VERB
cblr-1739	813	3	bourdieu	bourdieu	PROPN
cblr-1739	813	4	&	&	CCONJ
cblr-1739	813	5	wacquant	wacquant	PROPN
cblr-1739	813	6	,	,	PUNCT
cblr-1739	813	7	supra	supra	PROPN
cblr-1739	813	8	note	note	PROPN
cblr-1739	813	9	25	25	NUM
cblr-1739	813	10	,	,	PUNCT
cblr-1739	813	11	at	at	ADP
cblr-1739	813	12	119	119	NUM
cblr-1739	813	13	(	(	PUNCT
cblr-1739	813	14	expanding	expand	VERB
cblr-1739	813	15	the	the	DET
cblr-1739	813	16	concept	concept	NOUN
cblr-1739	813	17	of	of	ADP
cblr-1739	813	18	“	"	PUNCT
cblr-1739	813	19	capital	capital	NOUN
cblr-1739	813	20	,	,	PUNCT
cblr-1739	813	21	”	"	PUNCT
cblr-1739	813	22	which	which	PRON
cblr-1739	813	23	was	be	AUX
cblr-1739	813	24	traditionally	traditionally	ADV
cblr-1739	813	25	related	relate	VERB
cblr-1739	813	26	only	only	ADV
cblr-1739	813	27	to	to	ADP
cblr-1739	813	28	economics	economic	NOUN
cblr-1739	813	29	,	,	PUNCT
cblr-1739	813	30	to	to	PART
cblr-1739	813	31	include	include	VERB
cblr-1739	813	32	social	social	ADJ
cblr-1739	813	33	,	,	PUNCT
cblr-1739	813	34	cultural	cultural	ADJ
cblr-1739	813	35	,	,	PUNCT
cblr-1739	813	36	and	and	CCONJ
cblr-1739	813	37	symbolic	symbolic	ADJ
cblr-1739	813	38	resources	resource	NOUN
cblr-1739	813	39	,	,	PUNCT
cblr-1739	813	40	and	and	CCONJ
cblr-1739	813	41	defining	define	VERB
cblr-1739	813	42	social	social	ADJ
cblr-1739	813	43	capital	capital	NOUN
cblr-1739	813	44	as	as	ADP
cblr-1739	813	45	“	"	PUNCT
cblr-1739	813	46	the	the	DET
cblr-1739	813	47	sum	sum	NOUN
cblr-1739	813	48	of	of	ADP
cblr-1739	813	49	the	the	DET
cblr-1739	813	50	resources	resource	NOUN
cblr-1739	813	51	,	,	PUNCT
cblr-1739	813	52	actual	actual	ADJ
cblr-1739	813	53	or	or	CCONJ
cblr-1739	813	54	virtual	virtual	ADJ
cblr-1739	813	55	,	,	PUNCT
cblr-1739	813	56	that	that	PRON
cblr-1739	813	57	accrue	accrue	VERB
cblr-1739	813	58	to	to	ADP
cblr-1739	813	59	an	an	DET
cblr-1739	813	60	individual	individual	NOUN
cblr-1739	813	61	or	or	CCONJ
cblr-1739	813	62	a	a	DET
cblr-1739	813	63	group	group	NOUN
cblr-1739	813	64	by	by	ADP
cblr-1739	813	65	virtue	virtue	NOUN
cblr-1739	813	66	of	of	ADP
cblr-1739	813	67	possessing	possess	VERB
cblr-1739	813	68	a	a	DET
cblr-1739	813	69	durable	durable	ADJ
cblr-1739	813	70	network	network	NOUN
cblr-1739	813	71	of	of	ADP
cblr-1739	813	72	more	more	ADJ
cblr-1739	813	73	or	or	CCONJ
cblr-1739	813	74	less	less	ADV
cblr-1739	813	75	institutionalized	institutionalized	ADJ
cblr-1739	813	76	relationships	relationship	NOUN
cblr-1739	813	77	of	of	ADP
cblr-1739	813	78	mutual	mutual	ADJ
cblr-1739	813	79	acquaintance	acquaintance	NOUN
cblr-1739	813	80	and	and	CCONJ
cblr-1739	813	81	recognition	recognition	NOUN
cblr-1739	813	82	”	"	PUNCT
cblr-1739	813	83	)	)	PUNCT
cblr-1739	813	84	.	.	PUNCT
cblr-1739	814	1	213	213	NUM
cblr-1739	814	2	see	see	VERB
cblr-1739	814	3	pamela	pamela	PROPN
cblr-1739	814	4	paxton	paxton	PROPN
cblr-1739	814	5	,	,	PUNCT
cblr-1739	814	6	is	be	AUX
cblr-1739	814	7	social	social	ADJ
cblr-1739	814	8	capital	capital	NOUN
cblr-1739	814	9	declining	decline	VERB
cblr-1739	814	10	in	in	ADP
cblr-1739	814	11	the	the	DET
cblr-1739	814	12	united	united	PROPN
cblr-1739	814	13	states	states	PROPN
cblr-1739	814	14	?	?	PUNCT
cblr-1739	815	1	a	a	DET
cblr-1739	815	2	multiple	multiple	ADJ
cblr-1739	815	3	indicator	indicator	NOUN
cblr-1739	815	4	assessment	assessment	NOUN
cblr-1739	815	5	,	,	PUNCT
cblr-1739	815	6	105	105	NUM
cblr-1739	815	7	am	am	NOUN
cblr-1739	815	8	.	.	PUNCT
cblr-1739	816	1	j.	j.	PROPN
cblr-1739	816	2	soc	soc	PROPN
cblr-1739	816	3	.	.	PUNCT
cblr-1739	817	1	88	88	NUM
cblr-1739	817	2	,	,	PUNCT
cblr-1739	817	3	92	92	NUM
cblr-1739	817	4	(	(	PUNCT
cblr-1739	817	5	1999	1999	NUM
cblr-1739	817	6	)	)	PUNCT
cblr-1739	817	7	.	.	PUNCT
cblr-1739	818	1	geslevich	geslevich	PROPN
cblr-1739	818	2	packin	packin	PROPN
cblr-1739	818	3	&	&	CCONJ
cblr-1739	818	4	lev	lev	PROPN
cblr-1739	818	5	-	-	PUNCT
cblr-1739	818	6	aretz	aretz	PROPN
cblr-1739	818	7	–	–	PUNCT
cblr-1739	818	8	final	final	ADJ
cblr-1739	818	9	no	no	NOUN
cblr-1739	818	10	.	.	PUNCT
cblr-1739	819	1	2:339	2:339	NUM
cblr-1739	819	2	]	]	X
cblr-1739	819	3	on	on	ADP
cblr-1739	819	4	social	social	ADJ
cblr-1739	819	5	credit	credit	NOUN
cblr-1739	819	6	397	397	NUM
cblr-1739	819	7	possessing	possess	VERB
cblr-1739	819	8	greater	great	ADJ
cblr-1739	819	9	social	social	ADJ
cblr-1739	819	10	capital	capital	NOUN
cblr-1739	819	11	and	and	CCONJ
cblr-1739	819	12	a	a	DET
cblr-1739	819	13	variety	variety	NOUN
cblr-1739	819	14	of	of	ADP
cblr-1739	819	15	positive	positive	ADJ
cblr-1739	819	16	social	social	ADJ
cblr-1739	819	17	outcomes	outcome	NOUN
cblr-1739	819	18	,	,	PUNCT
cblr-1739	819	19	including	include	VERB
cblr-1739	819	20	better	well	ADJ
cblr-1739	819	21	public	public	ADJ
cblr-1739	819	22	health	health	NOUN
cblr-1739	819	23	,	,	PUNCT
cblr-1739	819	24	lower	low	ADJ
cblr-1739	819	25	crime	crime	NOUN
cblr-1739	819	26	rates	rate	NOUN
cblr-1739	819	27	,	,	PUNCT
cblr-1739	819	28	and	and	CCONJ
cblr-1739	819	29	more	more	ADV
cblr-1739	819	30	efficient	efficient	ADJ
cblr-1739	819	31	financial	financial	ADJ
cblr-1739	819	32	markets.214	markets.214	NOUN
cblr-1739	819	33	various	various	ADJ
cblr-1739	819	34	forms	form	NOUN
cblr-1739	819	35	of	of	ADP
cblr-1739	819	36	social	social	ADJ
cblr-1739	819	37	capital	capital	NOUN
cblr-1739	819	38	were	be	AUX
cblr-1739	819	39	also	also	ADV
cblr-1739	819	40	found	find	VERB
cblr-1739	819	41	to	to	PART
cblr-1739	819	42	positively	positively	ADV
cblr-1739	819	43	affect	affect	VERB
cblr-1739	819	44	psychological	psychological	ADJ
cblr-1739	819	45	well	well	NOUN
cblr-1739	819	46	-	-	PUNCT
cblr-1739	819	47	being	being	NOUN
cblr-1739	819	48	,	,	PUNCT
cblr-1739	819	49	self	self	NOUN
cblr-1739	819	50	-	-	PUNCT
cblr-1739	819	51	esteem	esteem	NOUN
cblr-1739	819	52	,	,	PUNCT
cblr-1739	819	53	and	and	CCONJ
cblr-1739	819	54	satisfaction	satisfaction	NOUN
cblr-1739	819	55	with	with	ADP
cblr-1739	819	56	life.215	life.215	VERB
cblr-1739	819	57	conversely	conversely	ADV
cblr-1739	819	58	,	,	PUNCT
cblr-1739	819	59	declining	decline	VERB
cblr-1739	819	60	social	social	ADJ
cblr-1739	819	61	capital	capital	NOUN
cblr-1739	819	62	may	may	AUX
cblr-1739	819	63	lead	lead	VERB
cblr-1739	819	64	to	to	ADP
cblr-1739	819	65	increased	increase	VERB
cblr-1739	819	66	social	social	ADJ
cblr-1739	819	67	disorder	disorder	NOUN
cblr-1739	819	68	,	,	PUNCT
cblr-1739	819	69	reduced	reduce	VERB
cblr-1739	819	70	participation	participation	NOUN
cblr-1739	819	71	in	in	ADP
cblr-1739	819	72	civic	civic	ADJ
cblr-1739	819	73	activities	activity	NOUN
cblr-1739	819	74	,	,	PUNCT
cblr-1739	819	75	and	and	CCONJ
cblr-1739	819	76	potentially	potentially	ADV
cblr-1739	819	77	more	more	ADJ
cblr-1739	819	78	distrust	distrust	NOUN
cblr-1739	819	79	among	among	ADP
cblr-1739	819	80	community	community	NOUN
cblr-1739	819	81	members.216	members.216	VERB
cblr-1739	819	82	there	there	PRON
cblr-1739	819	83	is	be	VERB
cblr-1739	819	84	a	a	DET
cblr-1739	819	85	robust	robust	ADJ
cblr-1739	819	86	connection	connection	NOUN
cblr-1739	819	87	between	between	ADP
cblr-1739	819	88	online	online	ADJ
cblr-1739	819	89	social	social	ADJ
cblr-1739	819	90	network	network	NOUN
cblr-1739	819	91	usage	usage	NOUN
cblr-1739	819	92	and	and	CCONJ
cblr-1739	819	93	the	the	DET
cblr-1739	819	94	accumulation	accumulation	NOUN
cblr-1739	819	95	of	of	ADP
cblr-1739	819	96	two	two	NUM
cblr-1739	819	97	forms	form	NOUN
cblr-1739	819	98	of	of	ADP
cblr-1739	819	99	social	social	ADJ
cblr-1739	819	100	capital	capital	NOUN
cblr-1739	819	101	:	:	PUNCT
cblr-1739	819	102	the	the	DET
cblr-1739	819	103	bridging	bridging	NOUN
cblr-1739	819	104	type	type	NOUN
cblr-1739	819	105	,	,	PUNCT
cblr-1739	819	106	which	which	PRON
cblr-1739	819	107	involves	involve	VERB
cblr-1739	819	108	exposure	exposure	NOUN
cblr-1739	819	109	to	to	ADP
cblr-1739	819	110	information	information	NOUN
cblr-1739	819	111	and	and	CCONJ
cblr-1739	819	112	resources	resource	NOUN
cblr-1739	819	113	from	from	ADP
cblr-1739	819	114	weak	weak	ADJ
cblr-1739	819	115	ties	tie	NOUN
cblr-1739	819	116	like	like	ADP
cblr-1739	819	117	coworkers	coworker	NOUN
cblr-1739	819	118	,	,	PUNCT
cblr-1739	819	119	classmates	classmate	NOUN
cblr-1739	819	120	,	,	PUNCT
cblr-1739	819	121	and	and	CCONJ
cblr-1739	819	122	acquaintances	acquaintance	NOUN
cblr-1739	819	123	,	,	PUNCT
cblr-1739	819	124	and	and	CCONJ
cblr-1739	819	125	the	the	DET
cblr-1739	819	126	bonding	bonding	NOUN
cblr-1739	819	127	type	type	NOUN
cblr-1739	819	128	,	,	PUNCT
cblr-1739	819	129	which	which	PRON
cblr-1739	819	130	encompasses	encompass	VERB
cblr-1739	819	131	connections	connection	NOUN
cblr-1739	819	132	to	to	ADP
cblr-1739	819	133	stronger	strong	ADJ
cblr-1739	819	134	ties	tie	NOUN
cblr-1739	819	135	such	such	ADJ
cblr-1739	819	136	as	as	ADP
cblr-1739	819	137	family	family	NOUN
cblr-1739	819	138	and	and	CCONJ
cblr-1739	819	139	close	close	ADJ
cblr-1739	819	140	friends.217	friends.217	NOUN
cblr-1739	819	141	against	against	ADP
cblr-1739	819	142	this	this	DET
cblr-1739	819	143	backdrop	backdrop	NOUN
cblr-1739	819	144	,	,	PUNCT
cblr-1739	819	145	changes	change	NOUN
cblr-1739	819	146	to	to	ADP
cblr-1739	819	147	an	an	DET
cblr-1739	819	148	individual	individual	NOUN
cblr-1739	819	149	’s	’s	PART
cblr-1739	819	150	online	online	ADJ
cblr-1739	819	151	social	social	ADJ
cblr-1739	819	152	circles	circle	NOUN
cblr-1739	819	153	that	that	PRON
cblr-1739	819	154	reduce	reduce	VERB
cblr-1739	819	155	the	the	DET
cblr-1739	819	156	variety	variety	NOUN
cblr-1739	819	157	and	and	CCONJ
cblr-1739	819	158	number	number	NOUN
cblr-1739	819	159	of	of	ADP
cblr-1739	819	160	ties	tie	NOUN
cblr-1739	819	161	she	she	PRON
cblr-1739	819	162	may	may	AUX
cblr-1739	819	163	form	form	VERB
cblr-1739	819	164	and	and	CCONJ
cblr-1739	819	165	maintain	maintain	VERB
cblr-1739	819	166	are	be	AUX
cblr-1739	819	167	expected	expect	VERB
cblr-1739	819	168	to	to	PART
cblr-1739	819	169	drive	drive	VERB
cblr-1739	819	170	decreased	decrease	VERB
cblr-1739	819	171	social	social	ADJ
cblr-1739	819	172	capital	capital	NOUN
cblr-1739	819	173	.	.	PUNCT
cblr-1739	820	1	financially	financially	ADV
cblr-1739	820	2	risky	risky	ADJ
cblr-1739	820	3	contacts	contact	NOUN
cblr-1739	820	4	,	,	PUNCT
cblr-1739	820	5	which	which	PRON
cblr-1739	820	6	may	may	AUX
cblr-1739	820	7	be	be	AUX
cblr-1739	820	8	unattractive	unattractive	ADJ
cblr-1739	820	9	to	to	PART
cblr-1739	820	10	maintain	maintain	VERB
cblr-1739	820	11	from	from	ADP
cblr-1739	820	12	an	an	DET
cblr-1739	820	13	economic	economic	ADJ
cblr-1739	820	14	viewpoint	viewpoint	NOUN
cblr-1739	820	15	,	,	PUNCT
cblr-1739	820	16	could	could	AUX
cblr-1739	820	17	potentially	potentially	ADV
cblr-1739	820	18	offer	offer	VERB
cblr-1739	820	19	access	access	NOUN
cblr-1739	820	20	to	to	ADP
cblr-1739	820	21	non	non	ADJ
cblr-1739	820	22	-	-	ADJ
cblr-1739	820	23	redundant	redundant	ADJ
cblr-1739	820	24	information	information	NOUN
cblr-1739	820	25	and	and	CCONJ
cblr-1739	820	26	accelerate	accelerate	VERB
cblr-1739	820	27	one	one	NUM
cblr-1739	820	28	’s	’s	PART
cblr-1739	820	29	social	social	ADJ
cblr-1739	820	30	capital	capital	NOUN
cblr-1739	820	31	just	just	ADV
cblr-1739	820	32	as	as	ADV
cblr-1739	820	33	much	much	ADJ
cblr-1739	820	34	as	as	ADP
cblr-1739	820	35	financially	financially	ADV
cblr-1739	820	36	ideal	ideal	ADJ
cblr-1739	820	37	contacts	contact	NOUN
cblr-1739	820	38	would	would	AUX
cblr-1739	820	39	.	.	PUNCT
cblr-1739	821	1	furthermore	furthermore	ADV
cblr-1739	821	2	,	,	PUNCT
cblr-1739	821	3	access	access	NOUN
cblr-1739	821	4	to	to	ADP
cblr-1739	821	5	a	a	DET
cblr-1739	821	6	variety	variety	NOUN
cblr-1739	821	7	of	of	ADP
cblr-1739	821	8	financial	financial	ADJ
cblr-1739	821	9	resources	resource	NOUN
cblr-1739	821	10	,	,	PUNCT
cblr-1739	821	11	which	which	PRON
cblr-1739	821	12	has	have	AUX
cblr-1739	821	13	been	be	AUX
cblr-1739	821	14	growing	grow	VERB
cblr-1739	821	15	since	since	SCONJ
cblr-1739	821	16	the	the	DET
cblr-1739	821	17	introduction	introduction	NOUN
cblr-1739	821	18	of	of	ADP
cblr-1739	821	19	online	online	ADJ
cblr-1739	821	20	social	social	ADJ
cblr-1739	821	21	networks	network	NOUN
cblr-1739	821	22	and	and	CCONJ
cblr-1739	821	23	which	which	PRON
cblr-1739	821	24	the	the	DET
cblr-1739	821	25	rise	rise	NOUN
cblr-1739	821	26	of	of	ADP
cblr-1739	821	27	social	social	ADJ
cblr-1739	821	28	credit	credit	NOUN
cblr-1739	821	29	now	now	ADV
cblr-1739	821	30	threatens	threaten	VERB
cblr-1739	821	31	,	,	PUNCT
cblr-1739	821	32	has	have	VERB
cblr-1739	821	33	economic	economic	ADJ
cblr-1739	821	34	value	value	NOUN
cblr-1739	821	35	in	in	ADP
cblr-1739	821	36	and	and	CCONJ
cblr-1739	821	37	of	of	ADP
cblr-1739	821	38	itself	itself	PRON
cblr-1739	821	39	.	.	PUNCT
cblr-1739	822	1	this	this	DET
cblr-1739	822	2	value	value	NOUN
cblr-1739	822	3	consists	consist	VERB
cblr-1739	822	4	in	in	ADP
cblr-1739	822	5	allowing	allow	VERB
cblr-1739	822	6	individuals	individual	NOUN
cblr-1739	822	7	to	to	PART
cblr-1739	822	8	convert	convert	VERB
cblr-1739	822	9	social	social	ADJ
cblr-1739	822	10	capital	capital	NOUN
cblr-1739	822	11	into	into	ADP
cblr-1739	822	12	economic	economic	ADJ
cblr-1739	822	13	capital.218	capital.218	NOUN
cblr-1739	822	14	this	this	DET
cblr-1739	822	15	economic	economic	ADJ
cblr-1739	822	16	capital	capital	NOUN
cblr-1739	822	17	may	may	AUX
cblr-1739	822	18	be	be	AUX
cblr-1739	822	19	greater	great	ADJ
cblr-1739	822	20	than	than	SCONJ
cblr-1739	822	21	the	the	DET
cblr-1739	822	22	financial	financial	ADJ
cblr-1739	822	23	benefit	benefit	NOUN
cblr-1739	822	24	one	one	PRON
cblr-1739	822	25	could	could	AUX
cblr-1739	822	26	enjoy	enjoy	VERB
cblr-1739	822	27	by	by	ADP
cblr-1739	822	28	214	214	NUM
cblr-1739	822	29	see	see	VERB
cblr-1739	822	30	paul	paul	PROPN
cblr-1739	822	31	s.	s.	PROPN
cblr-1739	822	32	adler	adler	PROPN
cblr-1739	822	33	&	&	CCONJ
cblr-1739	822	34	seok	seok	PROPN
cblr-1739	822	35	-	-	PUNCT
cblr-1739	822	36	woo	woo	PROPN
cblr-1739	822	37	kwon	kwon	PROPN
cblr-1739	822	38	,	,	PUNCT
cblr-1739	822	39	social	social	ADJ
cblr-1739	822	40	capital	capital	NOUN
cblr-1739	822	41	:	:	PUNCT
cblr-1739	822	42	prospects	prospect	NOUN
cblr-1739	822	43	for	for	ADP
cblr-1739	822	44	a	a	DET
cblr-1739	822	45	new	new	ADJ
cblr-1739	822	46	concept	concept	NOUN
cblr-1739	822	47	,	,	PUNCT
cblr-1739	822	48	27	27	NUM
cblr-1739	822	49	acad	acad	NOUN
cblr-1739	822	50	.	.	PUNCT
cblr-1739	823	1	mgmt	mgmt	PROPN
cblr-1739	823	2	.	.	PUNCT
cblr-1739	824	1	rev	rev	PROPN
cblr-1739	824	2	.	.	PROPN
cblr-1739	824	3	17	17	NUM
cblr-1739	824	4	,	,	PUNCT
cblr-1739	824	5	29–30	29–30	NUM
cblr-1739	824	6	(	(	PUNCT
cblr-1739	824	7	2002	2002	NUM
cblr-1739	824	8	)	)	PUNCT
cblr-1739	824	9	.	.	PUNCT
cblr-1739	825	1	215	215	NUM
cblr-1739	825	2	see	see	VERB
cblr-1739	825	3	john	john	PROPN
cblr-1739	825	4	a.	a.	PROPN
cblr-1739	825	5	bargh	bargh	PROPN
cblr-1739	825	6	and	and	CCONJ
cblr-1739	825	7	katelyn	katelyn	PROPN
cblr-1739	825	8	y.	y.	PROPN
cblr-1739	825	9	a.	a.	PROPN
cblr-1739	825	10	mckenna	mckenna	PROPN
cblr-1739	825	11	,	,	PUNCT
cblr-1739	825	12	the	the	DET
cblr-1739	825	13	internet	internet	NOUN
cblr-1739	825	14	and	and	CCONJ
cblr-1739	825	15	social	social	ADJ
cblr-1739	825	16	life	life	NOUN
cblr-1739	825	17	,	,	PUNCT
cblr-1739	825	18	55	55	NUM
cblr-1739	825	19	ann	ann	PROPN
cblr-1739	825	20	.	.	PUNCT
cblr-1739	826	1	rev	rev	PROPN
cblr-1739	826	2	.	.	PUNCT
cblr-1739	827	1	psychol	psychol	PROPN
cblr-1739	827	2	.	.	PUNCT
cblr-1739	828	1	573	573	NUM
cblr-1739	828	2	(	(	PUNCT
cblr-1739	828	3	2004	2004	NUM
cblr-1739	828	4	)	)	PUNCT
cblr-1739	828	5	.	.	PUNCT
cblr-1739	829	1	216	216	NUM
cblr-1739	829	2	see	see	VERB
cblr-1739	829	3	ellison	ellison	PROPN
cblr-1739	829	4	et	et	PROPN
cblr-1739	829	5	al	al	PROPN
cblr-1739	829	6	.	.	PROPN
cblr-1739	829	7	,	,	PUNCT
cblr-1739	829	8	supra	supra	PROPN
cblr-1739	829	9	note	note	PROPN
cblr-1739	829	10	24	24	NUM
cblr-1739	829	11	,	,	PUNCT
cblr-1739	829	12	at	at	ADP
cblr-1739	829	13	1145	1145	NUM
cblr-1739	829	14	.	.	PUNCT
cblr-1739	830	1	217	217	NUM
cblr-1739	830	2	see	see	VERB
cblr-1739	830	3	steinfield	steinfield	PROPN
cblr-1739	830	4	et	et	PROPN
cblr-1739	830	5	al	al	PROPN
cblr-1739	830	6	.	.	PROPN
cblr-1739	830	7	,	,	PUNCT
cblr-1739	830	8	supra	supra	PROPN
cblr-1739	830	9	note	note	PROPN
cblr-1739	830	10	210	210	NUM
cblr-1739	830	11	,	,	PUNCT
cblr-1739	830	12	at	at	ADP
cblr-1739	830	13	120–22	120–22	NUM
cblr-1739	830	14	.	.	PUNCT
cblr-1739	830	15	218	218	NUM
cblr-1739	830	16	a	a	DET
cblr-1739	830	17	similar	similar	ADJ
cblr-1739	830	18	argument	argument	NOUN
cblr-1739	830	19	was	be	AUX
cblr-1739	830	20	made	make	VERB
cblr-1739	830	21	in	in	ADP
cblr-1739	830	22	the	the	DET
cblr-1739	830	23	context	context	NOUN
cblr-1739	830	24	of	of	ADP
cblr-1739	830	25	traditional	traditional	ADJ
cblr-1739	830	26	(	(	PUNCT
cblr-1739	830	27	offline	offline	ADJ
cblr-1739	830	28	)	)	PUNCT
cblr-1739	830	29	social	social	ADJ
cblr-1739	830	30	networks	network	NOUN
cblr-1739	830	31	by	by	ADP
cblr-1739	830	32	pierre	pierre	PROPN
cblr-1739	830	33	bourdieu	bourdieu	PROPN
cblr-1739	830	34	.	.	PUNCT
cblr-1739	831	1	see	see	VERB
cblr-1739	831	2	pierre	pierre	PROPN
cblr-1739	831	3	bourdieu	bourdieu	PROPN
cblr-1739	831	4	,	,	PUNCT
cblr-1739	831	5	the	the	DET
cblr-1739	831	6	forms	form	NOUN
cblr-1739	831	7	of	of	ADP
cblr-1739	831	8	capital	capital	NOUN
cblr-1739	831	9	,	,	PUNCT
cblr-1739	831	10	in	in	ADP
cblr-1739	831	11	sociology	sociology	NOUN
cblr-1739	831	12	of	of	ADP
cblr-1739	831	13	economic	economic	ADJ
cblr-1739	831	14	life	life	NOUN
cblr-1739	831	15	69	69	NUM
cblr-1739	831	16	,	,	PUNCT
cblr-1739	831	17	103	103	NUM
cblr-1739	831	18	(	(	PUNCT
cblr-1739	831	19	mark	mark	NOUN
cblr-1739	831	20	granovetter	granovetter	PROPN
cblr-1739	831	21	&	&	CCONJ
cblr-1739	831	22	richard	richard	PROPN
cblr-1739	831	23	swedberg	swedberg	PROPN
cblr-1739	831	24	eds	eds	PROPN
cblr-1739	831	25	.	.	PROPN
cblr-1739	831	26	,	,	PUNCT
cblr-1739	831	27	2001	2001	NUM
cblr-1739	831	28	)	)	PUNCT
cblr-1739	831	29	.	.	PUNCT
cblr-1739	832	1	geslevich	geslevich	PROPN
cblr-1739	832	2	packin	packin	PROPN
cblr-1739	832	3	&	&	CCONJ
cblr-1739	832	4	lev	lev	PROPN
cblr-1739	832	5	-	-	PUNCT
cblr-1739	832	6	aretz	aretz	PROPN
cblr-1739	832	7	–	–	PUNCT
cblr-1739	832	8	final	final	ADJ
cblr-1739	832	9	398	398	NUM
cblr-1739	832	10	columbia	columbia	PROPN
cblr-1739	832	11	business	business	NOUN
cblr-1739	832	12	law	law	PROPN
cblr-1739	832	13	review	review	NOUN
cblr-1739	832	14	[	[	X
cblr-1739	832	15	vol	vol	NOUN
cblr-1739	832	16	.	.	PUNCT
cblr-1739	832	17	2016	2016	NUM
cblr-1739	832	18	maintaining	maintain	VERB
cblr-1739	832	19	a	a	DET
cblr-1739	832	20	strictly	strictly	ADV
cblr-1739	832	21	elite	elite	ADJ
cblr-1739	832	22	social	social	ADJ
cblr-1739	832	23	circle.219	circle.219	NOUN
cblr-1739	832	24	however	however	ADV
cblr-1739	832	25	,	,	PUNCT
cblr-1739	832	26	unlike	unlike	ADP
cblr-1739	832	27	the	the	DET
cblr-1739	832	28	clear	clear	ADJ
cblr-1739	832	29	and	and	CCONJ
cblr-1739	832	30	defined	define	VERB
cblr-1739	832	31	value	value	NOUN
cblr-1739	832	32	of	of	ADP
cblr-1739	832	33	financial	financial	ADJ
cblr-1739	832	34	benefits	benefit	NOUN
cblr-1739	832	35	an	an	DET
cblr-1739	832	36	individual	individual	NOUN
cblr-1739	832	37	could	could	AUX
cblr-1739	832	38	gain	gain	VERB
cblr-1739	832	39	by	by	ADP
cblr-1739	832	40	pertaining	pertain	VERB
cblr-1739	832	41	to	to	ADP
cblr-1739	832	42	a	a	DET
cblr-1739	832	43	strictly	strictly	ADV
cblr-1739	832	44	elite	elite	ADJ
cblr-1739	832	45	social	social	ADJ
cblr-1739	832	46	circle	circle	NOUN
cblr-1739	832	47	,	,	PUNCT
cblr-1739	832	48	the	the	DET
cblr-1739	832	49	value	value	NOUN
cblr-1739	832	50	of	of	ADP
cblr-1739	832	51	economic	economic	ADJ
cblr-1739	832	52	capital	capital	NOUN
cblr-1739	832	53	that	that	PRON
cblr-1739	832	54	originates	originate	VERB
cblr-1739	832	55	in	in	ADP
cblr-1739	832	56	social	social	ADJ
cblr-1739	832	57	capital	capital	NOUN
cblr-1739	832	58	is	be	AUX
cblr-1739	832	59	hard	hard	ADJ
cblr-1739	832	60	to	to	PART
cblr-1739	832	61	quantify	quantify	VERB
cblr-1739	832	62	,	,	PUNCT
cblr-1739	832	63	making	make	VERB
cblr-1739	832	64	it	it	PRON
cblr-1739	832	65	virtually	virtually	ADV
cblr-1739	832	66	impossible	impossible	ADJ
cblr-1739	832	67	to	to	PART
cblr-1739	832	68	determine	determine	VERB
cblr-1739	832	69	which	which	DET
cblr-1739	832	70	benefit	benefit	NOUN
cblr-1739	832	71	is	be	AUX
cblr-1739	832	72	greater	great	ADJ
cblr-1739	832	73	.	.	PUNCT
cblr-1739	833	1	individuals	individual	NOUN
cblr-1739	833	2	are	be	AUX
cblr-1739	833	3	thus	thus	ADV
cblr-1739	833	4	expected	expect	VERB
cblr-1739	833	5	to	to	PART
cblr-1739	833	6	follow	follow	VERB
cblr-1739	833	7	the	the	DET
cblr-1739	833	8	clearer	clear	ADJ
cblr-1739	833	9	path	path	NOUN
cblr-1739	833	10	,	,	PUNCT
cblr-1739	833	11	fine	fine	ADJ
cblr-1739	833	12	-	-	PUNCT
cblr-1739	833	13	tune	tune	NOUN
cblr-1739	833	14	their	their	PRON
cblr-1739	833	15	online	online	ADJ
cblr-1739	833	16	persona	persona	NOUN
cblr-1739	833	17	,	,	PUNCT
cblr-1739	833	18	and	and	CCONJ
cblr-1739	833	19	as	as	ADP
cblr-1739	833	20	a	a	DET
cblr-1739	833	21	result	result	NOUN
cblr-1739	833	22	reduce	reduce	VERB
cblr-1739	833	23	their	their	PRON
cblr-1739	833	24	social	social	ADJ
cblr-1739	833	25	capital	capital	NOUN
cblr-1739	833	26	.	.	PUNCT
cblr-1739	834	1	because	because	SCONJ
cblr-1739	834	2	social	social	ADJ
cblr-1739	834	3	capital	capital	NOUN
cblr-1739	834	4	correlates	correlate	VERB
cblr-1739	834	5	with	with	ADP
cblr-1739	834	6	social	social	ADJ
cblr-1739	834	7	mobility	mobility	NOUN
cblr-1739	834	8	,	,	PUNCT
cblr-1739	834	9	a	a	DET
cblr-1739	834	10	decrease	decrease	NOUN
cblr-1739	834	11	in	in	ADP
cblr-1739	834	12	the	the	DET
cblr-1739	834	13	former	former	ADJ
cblr-1739	834	14	leads	lead	VERB
cblr-1739	834	15	to	to	ADP
cblr-1739	834	16	a	a	DET
cblr-1739	834	17	decrease	decrease	NOUN
cblr-1739	834	18	in	in	ADP
cblr-1739	834	19	the	the	DET
cblr-1739	834	20	latter	latter	ADJ
cblr-1739	834	21	.	.	PUNCT
cblr-1739	835	1	social	social	ADJ
cblr-1739	835	2	mobility	mobility	NOUN
cblr-1739	835	3	quantifies	quantify	VERB
cblr-1739	835	4	the	the	DET
cblr-1739	835	5	movements	movement	NOUN
cblr-1739	835	6	of	of	ADP
cblr-1739	835	7	specific	specific	ADJ
cblr-1739	835	8	entities	entity	NOUN
cblr-1739	835	9	through	through	ADP
cblr-1739	835	10	the	the	DET
cblr-1739	835	11	distribution	distribution	NOUN
cblr-1739	835	12	of	of	ADP
cblr-1739	835	13	economic	economic	ADJ
cblr-1739	835	14	well	well	NOUN
cblr-1739	835	15	-	-	PUNCT
cblr-1739	835	16	being	being	NOUN
cblr-1739	835	17	over	over	ADP
cblr-1739	835	18	time,220	time,220	NOUN
cblr-1739	835	19	namely	namely	ADV
cblr-1739	835	20	,	,	PUNCT
cblr-1739	835	21	the	the	DET
cblr-1739	835	22	connection	connection	NOUN
cblr-1739	835	23	between	between	ADP
cblr-1739	835	24	the	the	DET
cblr-1739	835	25	relative	relative	ADJ
cblr-1739	835	26	economic	economic	ADJ
cblr-1739	835	27	status	status	NOUN
cblr-1739	835	28	of	of	ADP
cblr-1739	835	29	an	an	DET
cblr-1739	835	30	agent	agent	NOUN
cblr-1739	835	31	and	and	CCONJ
cblr-1739	835	32	her	her	PRON
cblr-1739	835	33	starting	start	VERB
cblr-1739	835	34	conditions	condition	NOUN
cblr-1739	835	35	,	,	PUNCT
cblr-1739	835	36	such	such	ADJ
cblr-1739	835	37	as	as	ADP
cblr-1739	835	38	parental	parental	ADJ
cblr-1739	835	39	income	income	NOUN
cblr-1739	835	40	or	or	CCONJ
cblr-1739	835	41	family	family	NOUN
cblr-1739	835	42	background	background	NOUN
cblr-1739	835	43	.	.	PUNCT
cblr-1739	836	1	a	a	DET
cblr-1739	836	2	recent	recent	ADJ
cblr-1739	836	3	study	study	NOUN
cblr-1739	836	4	has	have	AUX
cblr-1739	836	5	shown	show	VERB
cblr-1739	836	6	that	that	SCONJ
cblr-1739	836	7	in	in	ADP
cblr-1739	836	8	the	the	DET
cblr-1739	836	9	united	united	PROPN
cblr-1739	836	10	states	states	PROPN
cblr-1739	836	11	roughly	roughly	ADV
cblr-1739	836	12	half	half	NOUN
cblr-1739	836	13	of	of	ADP
cblr-1739	836	14	parental	parental	ADJ
cblr-1739	836	15	income	income	NOUN
cblr-1739	836	16	benefits	benefit	NOUN
cblr-1739	836	17	are	be	AUX
cblr-1739	836	18	rolled	roll	VERB
cblr-1739	836	19	over	over	ADP
cblr-1739	836	20	to	to	ADP
cblr-1739	836	21	the	the	DET
cblr-1739	836	22	next	next	ADJ
cblr-1739	836	23	generation	generation	NOUN
cblr-1739	836	24	in	in	ADP
cblr-1739	836	25	the	the	DET
cblr-1739	836	26	form	form	NOUN
cblr-1739	836	27	of	of	ADP
cblr-1739	836	28	higher	high	ADJ
cblr-1739	836	29	earnings	earning	NOUN
cblr-1739	836	30	and	and	CCONJ
cblr-1739	836	31	that	that	SCONJ
cblr-1739	836	32	a	a	DET
cblr-1739	836	33	significant	significant	ADJ
cblr-1739	836	34	share	share	NOUN
cblr-1739	836	35	of	of	ADP
cblr-1739	836	36	the	the	DET
cblr-1739	836	37	inequality	inequality	NOUN
cblr-1739	836	38	between	between	ADP
cblr-1739	836	39	families	family	NOUN
cblr-1739	836	40	at	at	ADP
cblr-1739	836	41	the	the	DET
cblr-1739	836	42	tenth	tenth	ADJ
cblr-1739	836	43	and	and	CCONJ
cblr-1739	836	44	ninetieth	ninetieth	ADJ
cblr-1739	836	45	income	income	NOUN
cblr-1739	836	46	percentiles	percentile	NOUN
cblr-1739	836	47	persists	persist	VERB
cblr-1739	836	48	into	into	ADP
cblr-1739	836	49	the	the	DET
cblr-1739	836	50	next	next	ADJ
cblr-1739	836	51	generation.221	generation.221	NOUN
cblr-1739	836	52	social	social	ADJ
cblr-1739	836	53	capital	capital	NOUN
cblr-1739	836	54	and	and	CCONJ
cblr-1739	836	55	the	the	DET
cblr-1739	836	56	way	way	NOUN
cblr-1739	836	57	people	people	NOUN
cblr-1739	836	58	capitalize	capitalize	VERB
cblr-1739	836	59	on	on	ADP
cblr-1739	836	60	social	social	ADJ
cblr-1739	836	61	relations	relation	NOUN
cblr-1739	836	62	to	to	PART
cblr-1739	836	63	move	move	VERB
cblr-1739	836	64	across	across	ADP
cblr-1739	836	65	social	social	ADJ
cblr-1739	836	66	strata	strata	NOUN
cblr-1739	836	67	explain	explain	VERB
cblr-1739	836	68	these	these	DET
cblr-1739	836	69	different	different	ADJ
cblr-1739	836	70	mobility	mobility	NOUN
cblr-1739	836	71	chances.222	chances.222	NOUN
cblr-1739	836	72	specifically	specifically	ADV
cblr-1739	836	73	,	,	PUNCT
cblr-1739	836	74	social	social	ADJ
cblr-1739	836	75	capital	capital	NOUN
cblr-1739	836	76	of	of	ADP
cblr-1739	836	77	the	the	DET
cblr-1739	836	78	“	"	PUNCT
cblr-1739	836	79	bridging	bridging	NOUN
cblr-1739	836	80	”	"	PUNCT
cblr-1739	836	81	type	type	NOUN
cblr-1739	836	82	219	219	NUM
cblr-1739	836	83	similarly	similarly	ADV
cblr-1739	836	84	,	,	PUNCT
cblr-1739	836	85	note	note	VERB
cblr-1739	836	86	that	that	SCONJ
cblr-1739	836	87	“	"	PUNCT
cblr-1739	836	88	it	it	PRON
cblr-1739	836	89	is	be	AUX
cblr-1739	836	90	unclear	unclear	ADJ
cblr-1739	836	91	how	how	SCONJ
cblr-1739	836	92	large	large	ADJ
cblr-1739	836	93	the	the	DET
cblr-1739	836	94	increased	increase	VERB
cblr-1739	836	95	online	online	ADJ
cblr-1739	836	96	socioeconomic	socioeconomic	ADJ
cblr-1739	836	97	segregation	segregation	NOUN
cblr-1739	836	98	would	would	AUX
cblr-1739	836	99	be	be	AUX
cblr-1739	836	100	and	and	CCONJ
cblr-1739	836	101	whether	whether	SCONJ
cblr-1739	836	102	the	the	DET
cblr-1739	836	103	social	social	ADJ
cblr-1739	836	104	cost	cost	NOUN
cblr-1739	836	105	will	will	AUX
cblr-1739	836	106	be	be	AUX
cblr-1739	836	107	low	low	ADJ
cblr-1739	836	108	relative	relative	ADJ
cblr-1739	836	109	to	to	ADP
cblr-1739	836	110	the	the	DET
cblr-1739	836	111	credit	credit	NOUN
cblr-1739	836	112	benefits	benefit	NOUN
cblr-1739	836	113	.	.	PUNCT
cblr-1739	836	114	”	"	PUNCT
cblr-1739	837	1	wei	wei	PROPN
cblr-1739	837	2	et	et	PROPN
cblr-1739	837	3	al	al	PROPN
cblr-1739	837	4	.	.	PROPN
cblr-1739	837	5	,	,	PUNCT
cblr-1739	837	6	supra	supra	PROPN
cblr-1739	837	7	note	note	PROPN
cblr-1739	837	8	117	117	NUM
cblr-1739	837	9	.	.	NOUN
cblr-1739	837	10	220	220	NUM
cblr-1739	837	11	see	see	NOUN
cblr-1739	837	12	e.g.	e.g.	ADV
cblr-1739	837	13	,	,	PUNCT
cblr-1739	837	14	jere	jere	PROPN
cblr-1739	837	15	r.	r.	PROPN
cblr-1739	837	16	behrman	behrman	PROPN
cblr-1739	837	17	,	,	PUNCT
cblr-1739	837	18	social	social	ADJ
cblr-1739	837	19	mobility	mobility	NOUN
cblr-1739	837	20	:	:	PUNCT
cblr-1739	837	21	concepts	concept	NOUN
cblr-1739	837	22	and	and	CCONJ
cblr-1739	837	23	measurement	measurement	NOUN
cblr-1739	837	24	,	,	PUNCT
cblr-1739	837	25	in	in	ADP
cblr-1739	837	26	new	new	ADJ
cblr-1739	837	27	markets	market	NOUN
cblr-1739	837	28	,	,	PUNCT
cblr-1739	837	29	new	new	ADJ
cblr-1739	837	30	opportunities	opportunity	NOUN
cblr-1739	837	31	?	?	PUNCT
cblr-1739	838	1	economic	economic	ADJ
cblr-1739	838	2	and	and	CCONJ
cblr-1739	838	3	social	social	ADJ
cblr-1739	838	4	mobility	mobility	NOUN
cblr-1739	838	5	in	in	ADP
cblr-1739	838	6	a	a	DET
cblr-1739	838	7	changing	change	VERB
cblr-1739	838	8	world	world	NOUN
cblr-1739	838	9	69	69	NUM
cblr-1739	838	10	,	,	PUNCT
cblr-1739	838	11	70	70	NUM
cblr-1739	838	12	(	(	PUNCT
cblr-1739	838	13	nancy	nancy	PROPN
cblr-1739	838	14	birdsall	birdsall	PROPN
cblr-1739	838	15	&	&	CCONJ
cblr-1739	838	16	carol	carol	PROPN
cblr-1739	838	17	graham	graham	PROPN
cblr-1739	838	18	eds	eds	PROPN
cblr-1739	838	19	.	.	PROPN
cblr-1739	838	20	,	,	PUNCT
cblr-1739	838	21	2000	2000	NUM
cblr-1739	838	22	)	)	PUNCT
cblr-1739	838	23	;	;	PUNCT
cblr-1739	838	24	gary	gary	PROPN
cblr-1739	838	25	s.	s.	PROPN
cblr-1739	838	26	fields	fields	PROPN
cblr-1739	838	27	,	,	PUNCT
cblr-1739	838	28	income	income	NOUN
cblr-1739	838	29	mobility	mobility	NOUN
cblr-1739	838	30	:	:	PUNCT
cblr-1739	838	31	concepts	concept	NOUN
cblr-1739	838	32	and	and	CCONJ
cblr-1739	838	33	measures	measure	NOUN
cblr-1739	838	34	,	,	PUNCT
cblr-1739	838	35	in	in	ADP
cblr-1739	838	36	new	new	ADJ
cblr-1739	838	37	markets	market	NOUN
cblr-1739	838	38	,	,	PUNCT
cblr-1739	838	39	new	new	ADJ
cblr-1739	838	40	opportunities	opportunity	NOUN
cblr-1739	838	41	?	?	PUNCT
cblr-1739	839	1	economic	economic	ADJ
cblr-1739	839	2	and	and	CCONJ
cblr-1739	839	3	social	social	ADJ
cblr-1739	839	4	mobility	mobility	NOUN
cblr-1739	839	5	in	in	ADP
cblr-1739	839	6	a	a	DET
cblr-1739	839	7	changing	change	VERB
cblr-1739	839	8	world	world	NOUN
cblr-1739	839	9	101	101	NUM
cblr-1739	839	10	(	(	PUNCT
cblr-1739	839	11	nancy	nancy	PROPN
cblr-1739	839	12	birdsall	birdsall	PROPN
cblr-1739	839	13	&	&	CCONJ
cblr-1739	839	14	carol	carol	PROPN
cblr-1739	839	15	graham	graham	PROPN
cblr-1739	839	16	eds	eds	PROPN
cblr-1739	839	17	.	.	PROPN
cblr-1739	839	18	,	,	PUNCT
cblr-1739	839	19	2000	2000	NUM
cblr-1739	839	20	)	)	PUNCT
cblr-1739	839	21	.	.	PUNCT
cblr-1739	840	1	221	221	NUM
cblr-1739	840	2	see	see	VERB
cblr-1739	840	3	mitnik	mitnik	PROPN
cblr-1739	840	4	et	et	PROPN
cblr-1739	840	5	al	al	PROPN
cblr-1739	840	6	.	.	PROPN
cblr-1739	840	7	,	,	PUNCT
cblr-1739	840	8	supra	supra	PROPN
cblr-1739	840	9	note	note	PROPN
cblr-1739	840	10	26	26	NUM
cblr-1739	840	11	,	,	PUNCT
cblr-1739	840	12	at	at	ADP
cblr-1739	840	13	70–72	70–72	NUM
cblr-1739	840	14	.	.	PUNCT
cblr-1739	841	1	222	222	NUM
cblr-1739	841	2	see	see	VERB
cblr-1739	841	3	xavier	xavier	PROPN
cblr-1739	841	4	de	de	PROPN
cblr-1739	841	5	souza	souza	PROPN
cblr-1739	841	6	briggs	briggs	PROPN
cblr-1739	841	7	,	,	PUNCT
cblr-1739	841	8	social	social	ADJ
cblr-1739	841	9	capital	capital	NOUN
cblr-1739	841	10	and	and	CCONJ
cblr-1739	841	11	segregation	segregation	NOUN
cblr-1739	841	12	:	:	PUNCT
cblr-1739	841	13	race	race	NOUN
cblr-1739	841	14	,	,	PUNCT
cblr-1739	841	15	connections	connection	NOUN
cblr-1739	841	16	,	,	PUNCT
cblr-1739	841	17	and	and	CCONJ
cblr-1739	841	18	inequality	inequality	NOUN
cblr-1739	841	19	in	in	ADP
cblr-1739	841	20	america	america	PROPN
cblr-1739	841	21	34	34	NUM
cblr-1739	841	22	(	(	PUNCT
cblr-1739	841	23	kennedy	kennedy	PROPN
cblr-1739	841	24	sch	sch	PROPN
cblr-1739	841	25	.	.	PROPN
cblr-1739	842	1	of	of	ADP
cblr-1739	842	2	gov’t	gov’t	PROPN
cblr-1739	842	3	,	,	PUNCT
cblr-1739	842	4	harvard	harvard	PROPN
cblr-1739	842	5	univ	univ	PROPN
cblr-1739	842	6	.	.	PUNCT
cblr-1739	843	1	working	working	NOUN
cblr-1739	843	2	paper	paper	PROPN
cblr-1739	843	3	no	no	INTJ
cblr-1739	843	4	.	.	PUNCT
cblr-1739	844	1	rwp02	rwp02	PROPN
cblr-1739	844	2	-	-	PUNCT
cblr-1739	844	3	011	011	NUM
cblr-1739	844	4	,	,	PUNCT
cblr-1739	844	5	2003	2003	NUM
cblr-1739	844	6	)	)	PUNCT
cblr-1739	844	7	;	;	PUNCT
cblr-1739	844	8	see	see	VERB
cblr-1739	844	9	also	also	ADV
cblr-1739	844	10	silvia	silvia	PROPN
cblr-1739	844	11	domínguez	domínguez	PROPN
cblr-1739	844	12	&	&	CCONJ
cblr-1739	844	13	celeste	celeste	PROPN
cblr-1739	844	14	watkins	watkins	PROPN
cblr-1739	844	15	,	,	PUNCT
cblr-1739	844	16	creating	create	VERB
cblr-1739	844	17	networks	network	NOUN
cblr-1739	844	18	for	for	ADP
cblr-1739	844	19	survival	survival	NOUN
cblr-1739	844	20	and	and	CCONJ
cblr-1739	844	21	mobility	mobility	NOUN
cblr-1739	844	22	:	:	PUNCT
cblr-1739	844	23	social	social	ADJ
cblr-1739	844	24	capital	capital	NOUN
cblr-1739	844	25	among	among	ADP
cblr-1739	844	26	african	african	ADJ
cblr-1739	844	27	-	-	PUNCT
cblr-1739	844	28	american	american	ADJ
cblr-1739	844	29	and	and	CCONJ
cblr-1739	844	30	latin	latin	ADJ
cblr-1739	844	31	-	-	PUNCT
cblr-1739	844	32	american	american	ADJ
cblr-1739	844	33	low	low	ADJ
cblr-1739	844	34	-	-	PUNCT
cblr-1739	844	35	income	income	NOUN
cblr-1739	844	36	mothers	mother	NOUN
cblr-1739	844	37	,	,	PUNCT
cblr-1739	844	38	50	50	NUM
cblr-1739	844	39	soc	soc	NOUN
cblr-1739	844	40	.	.	PUNCT
cblr-1739	845	1	probs	prob	NOUN
cblr-1739	845	2	.	.	PUNCT
cblr-1739	846	1	1	1	NUM
cblr-1739	846	2	(	(	PUNCT
cblr-1739	846	3	2003	2003	NUM
cblr-1739	846	4	)	)	PUNCT
cblr-1739	846	5	.	.	PUNCT
cblr-1739	847	1	geslevich	geslevich	PROPN
cblr-1739	847	2	packin	packin	PROPN
cblr-1739	847	3	&	&	CCONJ
cblr-1739	847	4	lev	lev	PROPN
cblr-1739	847	5	-	-	PUNCT
cblr-1739	847	6	aretz	aretz	PROPN
cblr-1739	847	7	–	–	PUNCT
cblr-1739	847	8	final	final	ADJ
cblr-1739	847	9	no	no	NOUN
cblr-1739	847	10	.	.	PUNCT
cblr-1739	848	1	2:339	2:339	NUM
cblr-1739	848	2	]	]	X
cblr-1739	848	3	on	on	ADP
cblr-1739	848	4	social	social	ADJ
cblr-1739	848	5	credit	credit	NOUN
cblr-1739	848	6	399	399	NUM
cblr-1739	848	7	secures	secure	VERB
cblr-1739	848	8	social	social	ADJ
cblr-1739	848	9	leverage	leverage	NOUN
cblr-1739	848	10	and	and	CCONJ
cblr-1739	848	11	helps	help	VERB
cblr-1739	848	12	individuals	individual	NOUN
cblr-1739	848	13	change	change	VERB
cblr-1739	848	14	their	their	PRON
cblr-1739	848	15	opportunity	opportunity	NOUN
cblr-1739	848	16	structure	structure	NOUN
cblr-1739	848	17	and	and	CCONJ
cblr-1739	848	18	socioeconomic	socioeconomic	ADJ
cblr-1739	848	19	mobility.223	mobility.223	NOUN
cblr-1739	848	20	the	the	DET
cblr-1739	848	21	size	size	NOUN
cblr-1739	848	22	and	and	CCONJ
cblr-1739	848	23	essence	essence	NOUN
cblr-1739	848	24	of	of	ADP
cblr-1739	848	25	the	the	DET
cblr-1739	848	26	network	network	NOUN
cblr-1739	848	27	receive	receive	VERB
cblr-1739	848	28	special	special	ADJ
cblr-1739	848	29	emphasis	emphasis	NOUN
cblr-1739	848	30	,	,	PUNCT
cblr-1739	848	31	because	because	SCONJ
cblr-1739	848	32	pre	pre	ADJ
cblr-1739	848	33	-	-	ADJ
cblr-1739	848	34	digital	digital	ADJ
cblr-1739	848	35	age	age	NOUN
cblr-1739	848	36	studies	study	NOUN
cblr-1739	848	37	have	have	AUX
cblr-1739	848	38	established	establish	VERB
cblr-1739	848	39	that	that	PRON
cblr-1739	848	40	great	great	ADJ
cblr-1739	848	41	,	,	PUNCT
cblr-1739	848	42	dispersed	disperse	VERB
cblr-1739	848	43	,	,	PUNCT
cblr-1739	848	44	and	and	CCONJ
cblr-1739	848	45	heterogeneous	heterogeneous	ADJ
cblr-1739	848	46	social	social	ADJ
cblr-1739	848	47	networks	network	NOUN
cblr-1739	848	48	amplify	amplify	VERB
cblr-1739	848	49	prospects	prospect	NOUN
cblr-1739	848	50	for	for	ADP
cblr-1739	848	51	advancement.224	advancement.224	NOUN
cblr-1739	848	52	as	as	ADP
cblr-1739	848	53	social	social	ADJ
cblr-1739	848	54	segregation	segregation	NOUN
cblr-1739	848	55	could	could	AUX
cblr-1739	848	56	detrimentally	detrimentally	ADV
cblr-1739	848	57	affect	affect	VERB
cblr-1739	848	58	social	social	ADJ
cblr-1739	848	59	capital	capital	NOUN
cblr-1739	848	60	,	,	PUNCT
cblr-1739	848	61	an	an	DET
cblr-1739	848	62	already	already	ADV
cblr-1739	848	63	slow	slow	ADJ
cblr-1739	848	64	and	and	CCONJ
cblr-1739	848	65	unsatisfactory	unsatisfactory	ADJ
cblr-1739	848	66	rate	rate	NOUN
cblr-1739	848	67	of	of	ADP
cblr-1739	848	68	socioeconomic	socioeconomic	ADJ
cblr-1739	848	69	mobility	mobility	NOUN
cblr-1739	848	70	would	would	AUX
cblr-1739	848	71	be	be	AUX
cblr-1739	848	72	further	far	ADV
cblr-1739	848	73	stymied	stymie	VERB
cblr-1739	848	74	.	.	PUNCT
cblr-1739	849	1	c.	c.	NOUN
cblr-1739	849	2	a	a	DET
cblr-1739	849	3	“	"	PUNCT
cblr-1739	849	4	duty	duty	NOUN
cblr-1739	849	5	”	"	PUNCT
cblr-1739	849	6	to	to	PART
cblr-1739	849	7	be	be	AUX
cblr-1739	849	8	forgotten	forget	VERB
cblr-1739	849	9	social	social	ADJ
cblr-1739	849	10	financial	financial	ADJ
cblr-1739	849	11	ranking	ranking	NOUN
cblr-1739	849	12	and	and	CCONJ
cblr-1739	849	13	the	the	DET
cblr-1739	849	14	ensuing	ensue	VERB
cblr-1739	849	15	social	social	ADJ
cblr-1739	849	16	polarization	polarization	NOUN
cblr-1739	849	17	would	would	AUX
cblr-1739	849	18	also	also	ADV
cblr-1739	849	19	force	force	VERB
cblr-1739	849	20	people	people	NOUN
cblr-1739	849	21	to	to	PART
cblr-1739	849	22	choose	choose	VERB
cblr-1739	849	23	between	between	ADP
cblr-1739	849	24	their	their	PRON
cblr-1739	849	25	social	social	ADJ
cblr-1739	849	26	ties	tie	NOUN
cblr-1739	849	27	from	from	ADP
cblr-1739	849	28	the	the	DET
cblr-1739	849	29	past	past	NOUN
cblr-1739	849	30	and	and	CCONJ
cblr-1739	849	31	a	a	DET
cblr-1739	849	32	better	well	ADJ
cblr-1739	849	33	financial	financial	ADJ
cblr-1739	849	34	score	score	NOUN
cblr-1739	849	35	in	in	ADP
cblr-1739	849	36	the	the	DET
cblr-1739	849	37	future	future	NOUN
cblr-1739	849	38	.	.	PUNCT
cblr-1739	850	1	a	a	DET
cblr-1739	850	2	traceable	traceable	ADJ
cblr-1739	850	3	connection	connection	NOUN
cblr-1739	850	4	to	to	ADP
cblr-1739	850	5	a	a	DET
cblr-1739	850	6	poor	poor	ADJ
cblr-1739	850	7	community	community	NOUN
cblr-1739	850	8	,	,	PUNCT
cblr-1739	850	9	bad	bad	ADJ
cblr-1739	850	10	neighborhood	neighborhood	NOUN
cblr-1739	850	11	,	,	PUNCT
cblr-1739	850	12	or	or	CCONJ
cblr-1739	850	13	detrimental	detrimental	ADJ
cblr-1739	850	14	financial	financial	ADJ
cblr-1739	850	15	record	record	NOUN
cblr-1739	850	16	could	could	AUX
cblr-1739	850	17	put	put	VERB
cblr-1739	850	18	a	a	DET
cblr-1739	850	19	person	person	NOUN
cblr-1739	850	20	’s	’s	PART
cblr-1739	850	21	good	good	ADJ
cblr-1739	850	22	score	score	NOUN
cblr-1739	850	23	at	at	ADP
cblr-1739	850	24	risk	risk	NOUN
cblr-1739	850	25	.	.	PUNCT
cblr-1739	851	1	it	it	PRON
cblr-1739	851	2	does	do	AUX
cblr-1739	851	3	not	not	PART
cblr-1739	851	4	matter	matter	VERB
cblr-1739	851	5	,	,	PUNCT
cblr-1739	851	6	for	for	ADP
cblr-1739	851	7	ranking	rank	VERB
cblr-1739	851	8	purposes	purpose	NOUN
cblr-1739	851	9	,	,	PUNCT
cblr-1739	851	10	if	if	SCONJ
cblr-1739	851	11	the	the	DET
cblr-1739	851	12	person	person	NOUN
cblr-1739	851	13	belonged	belong	VERB
cblr-1739	851	14	to	to	ADP
cblr-1739	851	15	that	that	DET
cblr-1739	851	16	poor	poor	ADJ
cblr-1739	851	17	community	community	NOUN
cblr-1739	851	18	in	in	ADP
cblr-1739	851	19	the	the	DET
cblr-1739	851	20	past	past	NOUN
cblr-1739	851	21	,	,	PUNCT
cblr-1739	851	22	used	use	VERB
cblr-1739	851	23	to	to	PART
cblr-1739	851	24	live	live	VERB
cblr-1739	851	25	in	in	ADP
cblr-1739	851	26	or	or	CCONJ
cblr-1739	851	27	in	in	ADP
cblr-1739	851	28	proximity	proximity	NOUN
cblr-1739	851	29	to	to	ADP
cblr-1739	851	30	the	the	DET
cblr-1739	851	31	bad	bad	ADJ
cblr-1739	851	32	neighborhood	neighborhood	NOUN
cblr-1739	851	33	,	,	PUNCT
cblr-1739	851	34	or	or	CCONJ
cblr-1739	851	35	knows	know	VERB
cblr-1739	851	36	that	that	PRON
cblr-1739	851	37	bankrupt	bankrupt	ADJ
cblr-1739	851	38	from	from	ADP
cblr-1739	851	39	elementary	elementary	ADJ
cblr-1739	851	40	school	school	NOUN
cblr-1739	851	41	.	.	PUNCT
cblr-1739	852	1	the	the	DET
cblr-1739	852	2	connection	connection	NOUN
cblr-1739	852	3	would	would	AUX
cblr-1739	852	4	be	be	AUX
cblr-1739	852	5	considered	consider	VERB
cblr-1739	852	6	harmful	harmful	ADJ
cblr-1739	852	7	from	from	ADP
cblr-1739	852	8	an	an	DET
cblr-1739	852	9	economic	economic	ADJ
cblr-1739	852	10	perspective	perspective	NOUN
cblr-1739	852	11	.	.	PUNCT
cblr-1739	853	1	thus	thus	ADV
cblr-1739	853	2	,	,	PUNCT
cblr-1739	853	3	the	the	DET
cblr-1739	853	4	rational	rational	ADJ
cblr-1739	853	5	move	move	NOUN
cblr-1739	853	6	would	would	AUX
cblr-1739	853	7	be	be	AUX
cblr-1739	853	8	for	for	SCONJ
cblr-1739	853	9	individuals	individual	NOUN
cblr-1739	853	10	to	to	PART
cblr-1739	853	11	detach	detach	VERB
cblr-1739	853	12	themselves	themselves	PRON
cblr-1739	853	13	from	from	ADP
cblr-1739	853	14	their	their	PRON
cblr-1739	853	15	financially	financially	ADV
cblr-1739	853	16	destructive	destructive	ADJ
cblr-1739	853	17	past	past	NOUN
cblr-1739	853	18	.	.	PUNCT
cblr-1739	854	1	the	the	DET
cblr-1739	854	2	desire	desire	NOUN
cblr-1739	854	3	to	to	PART
cblr-1739	854	4	disconnect	disconnect	VERB
cblr-1739	854	5	oneself	oneself	PRON
cblr-1739	854	6	from	from	ADP
cblr-1739	854	7	an	an	DET
cblr-1739	854	8	unsavory	unsavory	ADJ
cblr-1739	854	9	past	past	NOUN
cblr-1739	854	10	is	be	AUX
cblr-1739	854	11	at	at	ADP
cblr-1739	854	12	the	the	DET
cblr-1739	854	13	heart	heart	NOUN
cblr-1739	854	14	of	of	ADP
cblr-1739	854	15	a	a	DET
cblr-1739	854	16	highly	highly	ADV
cblr-1739	854	17	debated	debate	VERB
cblr-1739	854	18	fair	fair	ADJ
cblr-1739	854	19	information	information	NOUN
cblr-1739	854	20	principle	principle	NOUN
cblr-1739	854	21	:	:	PUNCT
cblr-1739	854	22	the	the	DET
cblr-1739	854	23	right	right	NOUN
cblr-1739	854	24	to	to	PART
cblr-1739	854	25	be	be	AUX
cblr-1739	854	26	forgotten	forget	VERB
cblr-1739	854	27	.	.	PUNCT
cblr-1739	855	1	the	the	DET
cblr-1739	855	2	right	right	NOUN
cblr-1739	855	3	to	to	PART
cblr-1739	855	4	be	be	AUX
cblr-1739	855	5	forgotten	forget	VERB
cblr-1739	855	6	affords	affords	ADJ
cblr-1739	855	7	individuals	individual	NOUN
cblr-1739	855	8	the	the	DET
cblr-1739	855	9	right	right	NOUN
cblr-1739	855	10	that	that	SCONJ
cblr-1739	855	11	at	at	ADP
cblr-1739	855	12	some	some	DET
cblr-1739	855	13	point	point	NOUN
cblr-1739	855	14	data	datum	NOUN
cblr-1739	855	15	about	about	ADP
cblr-1739	855	16	their	their	PRON
cblr-1739	855	17	personal	personal	ADJ
cblr-1739	855	18	life	life	NOUN
cblr-1739	855	19	will	will	AUX
cblr-1739	855	20	be	be	AUX
cblr-1739	855	21	deleted	delete	VERB
cblr-1739	855	22	,	,	PUNCT
cblr-1739	855	23	rather	rather	ADV
cblr-1739	855	24	than	than	ADP
cblr-1739	855	25	exist	exist	VERB
cblr-1739	855	26	in	in	ADP
cblr-1739	855	27	databases	database	NOUN
cblr-1739	855	28	223	223	NUM
cblr-1739	855	29	see	see	VERB
cblr-1739	855	30	xavier	xavier	PROPN
cblr-1739	855	31	de	de	PROPN
cblr-1739	855	32	souza	souza	PROPN
cblr-1739	855	33	briggs	briggs	PROPN
cblr-1739	855	34	,	,	PUNCT
cblr-1739	855	35	brown	brown	ADJ
cblr-1739	855	36	kids	kid	NOUN
cblr-1739	855	37	in	in	ADP
cblr-1739	855	38	white	white	ADJ
cblr-1739	855	39	suburbs	suburb	NOUN
cblr-1739	855	40	:	:	PUNCT
cblr-1739	855	41	housing	housing	NOUN
cblr-1739	855	42	mobility	mobility	NOUN
cblr-1739	855	43	and	and	CCONJ
cblr-1739	855	44	the	the	DET
cblr-1739	855	45	many	many	ADJ
cblr-1739	855	46	faces	face	NOUN
cblr-1739	855	47	of	of	ADP
cblr-1739	855	48	social	social	ADJ
cblr-1739	855	49	capital	capital	NOUN
cblr-1739	855	50	,	,	PUNCT
cblr-1739	855	51	9	9	NUM
cblr-1739	855	52	housing	housing	NOUN
cblr-1739	855	53	pol’y	pol’y	NOUN
cblr-1739	855	54	debate	debate	VERB
cblr-1739	855	55	177	177	NUM
cblr-1739	855	56	(	(	PUNCT
cblr-1739	855	57	1998	1998	NUM
cblr-1739	855	58	)	)	PUNCT
cblr-1739	855	59	.	.	PUNCT
cblr-1739	856	1	224	224	NUM
cblr-1739	856	2	see	see	VERB
cblr-1739	856	3	,	,	PUNCT
cblr-1739	856	4	e.g.	e.g.	ADV
cblr-1739	856	5	,	,	PUNCT
cblr-1739	856	6	ronald	ronald	PROPN
cblr-1739	856	7	s.	s.	PROPN
cblr-1739	856	8	burt	burt	PROPN
cblr-1739	856	9	,	,	PUNCT
cblr-1739	856	10	social	social	ADJ
cblr-1739	856	11	contagion	contagion	NOUN
cblr-1739	856	12	and	and	CCONJ
cblr-1739	856	13	innovation	innovation	NOUN
cblr-1739	856	14	:	:	PUNCT
cblr-1739	856	15	cohesion	cohesion	NOUN
cblr-1739	856	16	versus	versus	ADP
cblr-1739	856	17	structural	structural	ADJ
cblr-1739	856	18	equivalence	equivalence	NOUN
cblr-1739	856	19	,	,	PUNCT
cblr-1739	856	20	92	92	NUM
cblr-1739	856	21	am	am	NOUN
cblr-1739	856	22	.	.	PUNCT
cblr-1739	857	1	j.	j.	PROPN
cblr-1739	857	2	soc	soc	PROPN
cblr-1739	857	3	.	.	PUNCT
cblr-1739	858	1	1287	1287	NUM
cblr-1739	858	2	(	(	PUNCT
cblr-1739	858	3	1987	1987	NUM
cblr-1739	858	4	)	)	PUNCT
cblr-1739	858	5	;	;	PUNCT
cblr-1739	858	6	barry	barry	PROPN
cblr-1739	858	7	wellman	wellman	PROPN
cblr-1739	858	8	&	&	CCONJ
cblr-1739	858	9	milena	milena	PROPN
cblr-1739	858	10	gulia	gulia	PROPN
cblr-1739	858	11	,	,	PUNCT
cblr-1739	858	12	the	the	DET
cblr-1739	858	13	network	network	NOUN
cblr-1739	858	14	basis	basis	NOUN
cblr-1739	858	15	of	of	ADP
cblr-1739	858	16	social	social	ADJ
cblr-1739	858	17	support	support	NOUN
cblr-1739	858	18	:	:	PUNCT
cblr-1739	858	19	a	a	DET
cblr-1739	858	20	network	network	NOUN
cblr-1739	858	21	is	be	AUX
cblr-1739	858	22	more	more	ADJ
cblr-1739	858	23	than	than	ADP
cblr-1739	858	24	the	the	DET
cblr-1739	858	25	sum	sum	NOUN
cblr-1739	858	26	of	of	ADP
cblr-1739	858	27	its	its	PRON
cblr-1739	858	28	ties	tie	NOUN
cblr-1739	858	29	,	,	PUNCT
cblr-1739	858	30	in	in	ADP
cblr-1739	858	31	networks	network	NOUN
cblr-1739	858	32	in	in	ADP
cblr-1739	858	33	the	the	DET
cblr-1739	858	34	global	global	ADJ
cblr-1739	858	35	village	village	NOUN
cblr-1739	858	36	:	:	PUNCT
cblr-1739	858	37	life	life	NOUN
cblr-1739	858	38	in	in	ADP
cblr-1739	858	39	contemporary	contemporary	ADJ
cblr-1739	858	40	communities	community	NOUN
cblr-1739	858	41	83	83	NUM
cblr-1739	858	42	,	,	PUNCT
cblr-1739	858	43	107–08	107–08	NUM
cblr-1739	858	44	(	(	PUNCT
cblr-1739	858	45	barry	barry	PROPN
cblr-1739	858	46	wellman	wellman	PROPN
cblr-1739	858	47	ed	ed	PROPN
cblr-1739	858	48	.	.	PROPN
cblr-1739	858	49	,	,	PUNCT
cblr-1739	858	50	1999	1999	NUM
cblr-1739	858	51	)	)	PUNCT
cblr-1739	858	52	.	.	PUNCT
cblr-1739	859	1	geslevich	geslevich	PROPN
cblr-1739	859	2	packin	packin	PROPN
cblr-1739	859	3	&	&	CCONJ
cblr-1739	859	4	lev	lev	PROPN
cblr-1739	859	5	-	-	PUNCT
cblr-1739	859	6	aretz	aretz	PROPN
cblr-1739	859	7	–	–	PUNCT
cblr-1739	859	8	final	final	ADJ
cblr-1739	859	9	400	400	NUM
cblr-1739	859	10	columbia	columbia	PROPN
cblr-1739	859	11	business	business	NOUN
cblr-1739	859	12	law	law	PROPN
cblr-1739	859	13	review	review	NOUN
cblr-1739	860	1	[	[	X
cblr-1739	860	2	vol	vol	NOUN
cblr-1739	860	3	.	.	NOUN
cblr-1739	860	4	2016	2016	NUM
cblr-1739	860	5	indefinitely.225	indefinitely.225	ADV
cblr-1739	860	6	the	the	DET
cblr-1739	860	7	right	right	NOUN
cblr-1739	860	8	to	to	PART
cblr-1739	860	9	be	be	AUX
cblr-1739	860	10	forgotten	forget	VERB
cblr-1739	860	11	could	could	AUX
cblr-1739	860	12	hypothetically	hypothetically	ADV
cblr-1739	860	13	mean	mean	VERB
cblr-1739	860	14	the	the	DET
cblr-1739	860	15	right	right	NOUN
cblr-1739	860	16	to	to	PART
cblr-1739	860	17	have	have	AUX
cblr-1739	860	18	information	information	NOUN
cblr-1739	860	19	deleted	delete	VERB
cblr-1739	860	20	after	after	ADP
cblr-1739	860	21	a	a	DET
cblr-1739	860	22	preset	preset	ADJ
cblr-1739	860	23	period	period	NOUN
cblr-1739	860	24	,	,	PUNCT
cblr-1739	860	25	the	the	DET
cblr-1739	860	26	right	right	NOUN
cblr-1739	860	27	to	to	PART
cblr-1739	860	28	have	have	AUX
cblr-1739	860	29	a	a	DET
cblr-1739	860	30	clean	clean	ADJ
cblr-1739	860	31	slate	slate	NOUN
cblr-1739	860	32	,	,	PUNCT
cblr-1739	860	33	and	and	CCONJ
cblr-1739	860	34	the	the	DET
cblr-1739	860	35	right	right	NOUN
cblr-1739	860	36	to	to	PART
cblr-1739	860	37	be	be	AUX
cblr-1739	860	38	connected	connect	VERB
cblr-1739	860	39	to	to	ADP
cblr-1739	860	40	current	current	ADJ
cblr-1739	860	41	information	information	NOUN
cblr-1739	860	42	and	and	CCONJ
cblr-1739	860	43	delinked	delinke	VERB
cblr-1739	860	44	from	from	ADP
cblr-1739	860	45	outdated	outdated	ADJ
cblr-1739	860	46	information.226	information.226	PROPN
cblr-1739	860	47	the	the	DET
cblr-1739	860	48	revisability	revisability	NOUN
cblr-1739	860	49	principle	principle	NOUN
cblr-1739	860	50	,	,	PUNCT
cblr-1739	860	51	another	another	DET
cblr-1739	860	52	component	component	NOUN
cblr-1739	860	53	of	of	ADP
cblr-1739	860	54	a	a	DET
cblr-1739	860	55	hypothetical	hypothetical	ADJ
cblr-1739	860	56	right	right	NOUN
cblr-1739	860	57	to	to	PART
cblr-1739	860	58	be	be	AUX
cblr-1739	860	59	forgotten	forget	VERB
cblr-1739	860	60	,	,	PUNCT
cblr-1739	860	61	allows	allow	VERB
cblr-1739	860	62	individuals	individual	NOUN
cblr-1739	860	63	the	the	DET
cblr-1739	860	64	ability	ability	NOUN
cblr-1739	860	65	to	to	PART
cblr-1739	860	66	revise	revise	VERB
cblr-1739	860	67	their	their	PRON
cblr-1739	860	68	identity	identity	NOUN
cblr-1739	860	69	to	to	ADP
cblr-1739	860	70	some	some	DET
cblr-1739	860	71	significant	significant	ADJ
cblr-1739	860	72	extent	extent	NOUN
cblr-1739	860	73	.	.	PUNCT
cblr-1739	861	1	revisability	revisability	NOUN
cblr-1739	861	2	would	would	AUX
cblr-1739	861	3	permit	permit	VERB
cblr-1739	861	4	individuals	individual	NOUN
cblr-1739	861	5	to	to	PART
cblr-1739	861	6	update	update	VERB
cblr-1739	861	7	their	their	PRON
cblr-1739	861	8	socially	socially	ADV
cblr-1739	861	9	-	-	PUNCT
cblr-1739	861	10	expressed	express	VERB
cblr-1739	861	11	beliefs	belief	NOUN
cblr-1739	861	12	and	and	CCONJ
cblr-1739	861	13	identities	identity	NOUN
cblr-1739	861	14	and	and	CCONJ
cblr-1739	861	15	edit	edit	NOUN
cblr-1739	861	16	views	view	NOUN
cblr-1739	861	17	from	from	ADP
cblr-1739	861	18	the	the	DET
cblr-1739	861	19	distant	distant	ADJ
cblr-1739	861	20	past.227	past.227	PROPN
cblr-1739	861	21	the	the	DET
cblr-1739	861	22	eternal	eternal	ADJ
cblr-1739	861	23	record	record	NOUN
cblr-1739	861	24	of	of	ADP
cblr-1739	861	25	one	one	NUM
cblr-1739	861	26	’s	’s	PART
cblr-1739	861	27	online	online	ADJ
cblr-1739	861	28	past	past	NOUN
cblr-1739	861	29	stands	stand	VERB
cblr-1739	861	30	in	in	ADP
cblr-1739	861	31	sharp	sharp	ADJ
cblr-1739	861	32	contradiction	contradiction	NOUN
cblr-1739	861	33	to	to	ADP
cblr-1739	861	34	the	the	DET
cblr-1739	861	35	rationale	rationale	NOUN
cblr-1739	861	36	behind	behind	ADP
cblr-1739	861	37	the	the	DET
cblr-1739	861	38	right	right	NOUN
cblr-1739	861	39	to	to	PART
cblr-1739	861	40	be	be	AUX
cblr-1739	861	41	forgotten	forget	VERB
cblr-1739	861	42	and	and	CCONJ
cblr-1739	861	43	the	the	DET
cblr-1739	861	44	revisability	revisability	NOUN
cblr-1739	861	45	principle	principle	NOUN
cblr-1739	861	46	.	.	PUNCT
cblr-1739	862	1	it	it	PRON
cblr-1739	862	2	is	be	AUX
cblr-1739	862	3	also	also	ADV
cblr-1739	862	4	at	at	ADP
cblr-1739	862	5	odds	odd	NOUN
cblr-1739	862	6	with	with	ADP
cblr-1739	862	7	current	current	ADJ
cblr-1739	862	8	credit	credit	NOUN
cblr-1739	862	9	law	law	NOUN
cblr-1739	862	10	,	,	PUNCT
cblr-1739	862	11	as	as	SCONJ
cblr-1739	862	12	the	the	DET
cblr-1739	862	13	fcra	fcra	NOUN
cblr-1739	862	14	sets	set	VERB
cblr-1739	862	15	limitations	limitation	NOUN
cblr-1739	862	16	on	on	ADP
cblr-1739	862	17	the	the	DET
cblr-1739	862	18	time	time	NOUN
cblr-1739	862	19	that	that	PRON
cblr-1739	862	20	negative	negative	ADJ
cblr-1739	862	21	information	information	NOUN
cblr-1739	862	22	can	can	AUX
cblr-1739	862	23	be	be	AUX
cblr-1739	862	24	reported	report	VERB
cblr-1739	862	25	,	,	PUNCT
cblr-1739	862	26	practically	practically	ADV
cblr-1739	862	27	deeming	deeming	ADJ
cblr-1739	862	28	such	such	ADJ
cblr-1739	862	29	information	information	NOUN
cblr-1739	862	30	“	"	PUNCT
cblr-1739	862	31	forgotten	forget	VERB
cblr-1739	862	32	”	"	PUNCT
cblr-1739	862	33	:	:	PUNCT
cblr-1739	862	34	credit	credit	NOUN
cblr-1739	862	35	reporting	reporting	NOUN
cblr-1739	862	36	agencies	agency	NOUN
cblr-1739	862	37	are	be	AUX
cblr-1739	862	38	prohibited	prohibit	VERB
cblr-1739	862	39	from	from	ADP
cblr-1739	862	40	reporting	report	VERB
cblr-1739	862	41	negative	negative	ADJ
cblr-1739	862	42	information	information	NOUN
cblr-1739	862	43	older	old	ADJ
cblr-1739	862	44	than	than	ADP
cblr-1739	862	45	seven	seven	NUM
cblr-1739	862	46	years	year	NOUN
cblr-1739	862	47	,	,	PUNCT
cblr-1739	862	48	except	except	SCONJ
cblr-1739	862	49	for	for	ADP
cblr-1739	862	50	certain	certain	ADJ
cblr-1739	862	51	information	information	NOUN
cblr-1739	862	52	that	that	PRON
cblr-1739	862	53	can	can	AUX
cblr-1739	862	54	be	be	AUX
cblr-1739	862	55	reported	report	VERB
cblr-1739	862	56	for	for	ADP
cblr-1739	862	57	ten	ten	NUM
cblr-1739	862	58	years	year	NOUN
cblr-1739	862	59	such	such	ADJ
cblr-1739	862	60	as	as	ADP
cblr-1739	862	61	bankruptcies	bankruptcy	NOUN
cblr-1739	862	62	and	and	CCONJ
cblr-1739	862	63	student	student	NOUN
cblr-1739	862	64	loans.228	loans.228	PROPN
cblr-1739	862	65	225	225	NUM
cblr-1739	862	66	the	the	DET
cblr-1739	862	67	court	court	NOUN
cblr-1739	862	68	of	of	ADP
cblr-1739	862	69	justice	justice	NOUN
cblr-1739	862	70	of	of	ADP
cblr-1739	862	71	the	the	DET
cblr-1739	862	72	european	european	PROPN
cblr-1739	862	73	union	union	PROPN
cblr-1739	862	74	embraced	embrace	VERB
cblr-1739	862	75	the	the	DET
cblr-1739	862	76	right	right	NOUN
cblr-1739	862	77	to	to	PART
cblr-1739	862	78	be	be	AUX
cblr-1739	862	79	forgotten	forget	VERB
cblr-1739	862	80	in	in	ADP
cblr-1739	862	81	its	its	PRON
cblr-1739	862	82	may	may	PROPN
cblr-1739	862	83	2014	2014	NUM
cblr-1739	862	84	ruling	ruling	NOUN
cblr-1739	862	85	in	in	ADP
cblr-1739	862	86	google	google	PROPN
cblr-1739	862	87	spain	spain	PROPN
cblr-1739	863	1	sl	sl	PROPN
cblr-1739	864	1	v.	v.	PROPN
cblr-1739	865	1	agencia	agencia	PROPN
cblr-1739	865	2	espanola	espanola	PROPN
cblr-1739	865	3	de	de	PROPN
cblr-1739	865	4	proteccion	proteccion	PROPN
cblr-1739	865	5	de	de	PROPN
cblr-1739	865	6	datos	datos	X
cblr-1739	865	7	(	(	PUNCT
cblr-1739	865	8	aepd	aepd	NOUN
cblr-1739	865	9	)	)	PUNCT
cblr-1739	865	10	,	,	PUNCT
cblr-1739	865	11	case	case	NOUN
cblr-1739	865	12	c-131/12	c-131/12	PROPN
cblr-1739	865	13	,	,	PUNCT
cblr-1739	865	14	google	google	PROPN
cblr-1739	865	15	spain	spain	PROPN
cblr-1739	865	16	sl	sl	PROPN
cblr-1739	865	17	v.	v.	CCONJ
cblr-1739	865	18	agencia	agencia	PROPN
cblr-1739	865	19	española	española	PROPN
cblr-1739	865	20	de	de	PROPN
cblr-1739	865	21	protección	protección	PROPN
cblr-1739	865	22	de	de	X
cblr-1739	865	23	datos	datos	X
cblr-1739	865	24	(	(	PUNCT
cblr-1739	865	25	may	may	PROPN
cblr-1739	865	26	13	13	NUM
cblr-1739	865	27	,	,	PUNCT
cblr-1739	865	28	2014	2014	NUM
cblr-1739	865	29	)	)	PUNCT
cblr-1739	865	30	.	.	PUNCT
cblr-1739	866	1	226	226	NUM
cblr-1739	866	2	see	see	VERB
cblr-1739	866	3	michael	michael	PROPN
cblr-1739	866	4	l.	l.	PROPN
cblr-1739	866	5	rustad	rustad	PROPN
cblr-1739	866	6	&	&	CCONJ
cblr-1739	866	7	sanna	sanna	PROPN
cblr-1739	866	8	kulevska	kulevska	PROPN
cblr-1739	866	9	,	,	PUNCT
cblr-1739	866	10	reconceptualizing	reconceptualize	VERB
cblr-1739	866	11	the	the	DET
cblr-1739	866	12	right	right	NOUN
cblr-1739	866	13	to	to	PART
cblr-1739	866	14	be	be	AUX
cblr-1739	866	15	forgotten	forget	VERB
cblr-1739	866	16	to	to	PART
cblr-1739	866	17	enable	enable	VERB
cblr-1739	866	18	transatlantic	transatlantic	ADJ
cblr-1739	866	19	data	datum	NOUN
cblr-1739	866	20	flow	flow	NOUN
cblr-1739	866	21	,	,	PUNCT
cblr-1739	866	22	28	28	NUM
cblr-1739	866	23	harv	harv	NOUN
cblr-1739	866	24	.	.	PUNCT
cblr-1739	867	1	j.l	j.l	PROPN
cblr-1739	867	2	.	.	PROPN
cblr-1739	867	3	&	&	CCONJ
cblr-1739	867	4	tech	tech	PROPN
cblr-1739	867	5	.	.	PUNCT
cblr-1739	868	1	349	349	NUM
cblr-1739	868	2	,	,	PUNCT
cblr-1739	868	3	367	367	NUM
cblr-1739	868	4	(	(	PUNCT
cblr-1739	868	5	2015	2015	NUM
cblr-1739	868	6	)	)	PUNCT
cblr-1739	868	7	.	.	PUNCT
cblr-1739	869	1	227	227	NUM
cblr-1739	869	2	see	see	VERB
cblr-1739	869	3	andrew	andrew	PROPN
cblr-1739	869	4	tutt	tutt	PROPN
cblr-1739	869	5	,	,	PUNCT
cblr-1739	869	6	the	the	DET
cblr-1739	869	7	revisability	revisability	NOUN
cblr-1739	869	8	principle	principle	NOUN
cblr-1739	869	9	,	,	PUNCT
cblr-1739	869	10	66	66	NUM
cblr-1739	869	11	hastings	hastings	PROPN
cblr-1739	869	12	l.j	l.j	PROPN
cblr-1739	869	13	.	.	PROPN
cblr-1739	869	14	1113	1113	NUM
cblr-1739	869	15	,	,	PUNCT
cblr-1739	869	16	1116	1116	NUM
cblr-1739	869	17	(	(	PUNCT
cblr-1739	869	18	2015	2015	NUM
cblr-1739	869	19	)	)	PUNCT
cblr-1739	869	20	.	.	PUNCT
cblr-1739	870	1	228	228	NUM
cblr-1739	870	2	15	15	NUM
cblr-1739	870	3	u.s.c	u.s.c	NOUN
cblr-1739	870	4	.	.	PUNCT
cblr-1739	871	1	§	§	PROPN
cblr-1739	871	2	1681c	1681c	NUM
cblr-1739	871	3	(	(	PUNCT
cblr-1739	871	4	2012	2012	NUM
cblr-1739	871	5	)	)	PUNCT
cblr-1739	871	6	.	.	PUNCT
cblr-1739	872	1	a	a	DET
cblr-1739	872	2	similar	similar	ADJ
cblr-1739	872	3	rationality	rationality	NOUN
cblr-1739	872	4	guides	guide	VERB
cblr-1739	872	5	scholarly	scholarly	ADJ
cblr-1739	872	6	proposals	proposal	NOUN
cblr-1739	872	7	to	to	PART
cblr-1739	872	8	allow	allow	VERB
cblr-1739	872	9	individuals	individual	NOUN
cblr-1739	872	10	to	to	PART
cblr-1739	872	11	part	part	VERB
cblr-1739	872	12	ways	way	NOUN
cblr-1739	872	13	with	with	ADP
cblr-1739	872	14	information	information	NOUN
cblr-1739	872	15	about	about	ADP
cblr-1739	872	16	them	they	PRON
cblr-1739	872	17	that	that	PRON
cblr-1739	872	18	is	be	AUX
cblr-1739	872	19	no	no	ADV
cblr-1739	872	20	longer	long	ADV
cblr-1739	872	21	relevant	relevant	ADJ
cblr-1739	872	22	and	and	CCONJ
cblr-1739	872	23	that	that	SCONJ
cblr-1739	872	24	under	under	ADP
cblr-1739	872	25	existing	exist	VERB
cblr-1739	872	26	legal	legal	ADJ
cblr-1739	872	27	standards	standard	NOUN
cblr-1739	872	28	they	they	PRON
cblr-1739	872	29	could	could	AUX
cblr-1739	872	30	“	"	PUNCT
cblr-1739	872	31	delete	delete	VERB
cblr-1739	872	32	”	"	PUNCT
cblr-1739	872	33	or	or	CCONJ
cblr-1739	872	34	otherwise	otherwise	ADV
cblr-1739	872	35	conceal	conceal	VERB
cblr-1739	872	36	as	as	ADP
cblr-1739	872	37	a	a	DET
cblr-1739	872	38	means	means	NOUN
cblr-1739	872	39	of	of	ADP
cblr-1739	872	40	providing	provide	VERB
cblr-1739	872	41	a	a	DET
cblr-1739	872	42	second	second	ADJ
cblr-1739	872	43	chance	chance	NOUN
cblr-1739	872	44	.	.	PUNCT
cblr-1739	873	1	see	see	VERB
cblr-1739	873	2	jonathan	jonathan	PROPN
cblr-1739	873	3	zittrain	zittrain	PROPN
cblr-1739	873	4	,	,	PUNCT
cblr-1739	873	5	the	the	DET
cblr-1739	873	6	future	future	NOUN
cblr-1739	873	7	of	of	ADP
cblr-1739	873	8	the	the	DET
cblr-1739	873	9	internet	internet	NOUN
cblr-1739	873	10	and	and	CCONJ
cblr-1739	873	11	how	how	SCONJ
cblr-1739	873	12	to	to	PART
cblr-1739	873	13	stop	stop	VERB
cblr-1739	873	14	it	it	PRON
cblr-1739	873	15	(	(	PUNCT
cblr-1739	873	16	yale	yale	PROPN
cblr-1739	873	17	university	university	PROPN
cblr-1739	873	18	press	press	NOUN
cblr-1739	873	19	,	,	PUNCT
cblr-1739	873	20	2008	2008	NUM
cblr-1739	873	21	)	)	PUNCT
cblr-1739	873	22	,	,	PUNCT
cblr-1739	873	23	227	227	NUM
cblr-1739	873	24	;	;	PUNCT
cblr-1739	873	25	jonathan	jonathan	PROPN
cblr-1739	873	26	zittrain	zittrain	PROPN
cblr-1739	873	27	,	,	PUNCT
cblr-1739	873	28	reputational	reputational	ADJ
cblr-1739	873	29	bankruptcy	bankruptcy	NOUN
cblr-1739	873	30	,	,	PUNCT
cblr-1739	873	31	the	the	DET
cblr-1739	873	32	future	future	NOUN
cblr-1739	873	33	of	of	ADP
cblr-1739	873	34	the	the	DET
cblr-1739	873	35	internet	internet	NOUN
cblr-1739	873	36	and	and	CCONJ
cblr-1739	873	37	how	how	SCONJ
cblr-1739	873	38	to	to	PART
cblr-1739	873	39	stop	stop	VERB
cblr-1739	873	40	it	it	PRON
cblr-1739	873	41	(	(	PUNCT
cblr-1739	873	42	sept	sept	PROPN
cblr-1739	873	43	.	.	PROPN
cblr-1739	873	44	7	7	NUM
cblr-1739	873	45	,	,	PUNCT
cblr-1739	873	46	2010	2010	NUM
cblr-1739	873	47	)	)	PUNCT
cblr-1739	873	48	,	,	PUNCT
cblr-1739	874	1	http://futureoftheinternet.org/2010/09/07/reputationbankruptcy/	http://futureoftheinternet.org/2010/09/07/reputationbankruptcy/	X
cblr-1739	875	1	[	[	X
cblr-1739	875	2	http://perma.cc/n5ud-3beq	http://perma.cc/n5ud-3beq	NOUN
cblr-1739	875	3	]	]	PUNCT
cblr-1739	875	4	;	;	PUNCT
cblr-1739	875	5	victor	victor	PROPN
cblr-1739	875	6	mayer	mayer	PROPN
cblr-1739	875	7	-	-	PUNCT
cblr-1739	875	8	schonberger	schonberger	NOUN
cblr-1739	875	9	,	,	PUNCT
cblr-1739	875	10	delete	delete	NOUN
cblr-1739	875	11	:	:	PUNCT
cblr-1739	875	12	the	the	DET
cblr-1739	875	13	virtues	virtue	NOUN
cblr-1739	875	14	of	of	ADP
cblr-1739	875	15	forgetting	forget	VERB
cblr-1739	875	16	in	in	ADP
cblr-1739	875	17	the	the	DET
cblr-1739	875	18	digital	digital	ADJ
cblr-1739	875	19	age	age	NOUN
cblr-1739	875	20	(	(	PUNCT
cblr-1739	875	21	princeton	princeton	PROPN
cblr-1739	875	22	univ	univ	PROPN
cblr-1739	875	23	.	.	PUNCT
cblr-1739	876	1	press	press	PROPN
cblr-1739	876	2	,	,	PUNCT
cblr-1739	876	3	2009	2009	NUM
cblr-1739	876	4	)	)	PUNCT
cblr-1739	876	5	;	;	PUNCT
cblr-1739	876	6	danielle	danielle	PROPN
cblr-1739	876	7	keats	keats	PROPN
cblr-1739	876	8	citron	citron	PROPN
cblr-1739	876	9	,	,	PUNCT
cblr-1739	876	10	technological	technological	ADJ
cblr-1739	876	11	due	due	ADJ
cblr-1739	876	12	process	process	NOUN
cblr-1739	876	13	,	,	PUNCT
cblr-1739	876	14	85	85	NUM
cblr-1739	876	15	wash	wash	NOUN
cblr-1739	876	16	.	.	PUNCT
cblr-1739	877	1	geslevich	geslevich	PROPN
cblr-1739	877	2	packin	packin	PROPN
cblr-1739	877	3	&	&	CCONJ
cblr-1739	877	4	lev	lev	PROPN
cblr-1739	877	5	-	-	PUNCT
cblr-1739	877	6	aretz	aretz	PROPN
cblr-1739	877	7	–	–	PUNCT
cblr-1739	877	8	final	final	ADJ
cblr-1739	877	9	no	no	NOUN
cblr-1739	877	10	.	.	PUNCT
cblr-1739	878	1	2:339	2:339	NUM
cblr-1739	878	2	]	]	X
cblr-1739	878	3	on	on	ADP
cblr-1739	878	4	social	social	ADJ
cblr-1739	878	5	credit	credit	NOUN
cblr-1739	878	6	401	401	NUM
cblr-1739	878	7	interestingly	interestingly	ADV
cblr-1739	878	8	,	,	PUNCT
cblr-1739	878	9	while	while	SCONJ
cblr-1739	878	10	the	the	DET
cblr-1739	878	11	right	right	NOUN
cblr-1739	878	12	to	to	PART
cblr-1739	878	13	be	be	AUX
cblr-1739	878	14	forgotten	forget	VERB
cblr-1739	878	15	,	,	PUNCT
cblr-1739	878	16	the	the	DET
cblr-1739	878	17	revisability	revisability	NOUN
cblr-1739	878	18	principle	principle	NOUN
cblr-1739	878	19	,	,	PUNCT
cblr-1739	878	20	and	and	CCONJ
cblr-1739	878	21	the	the	DET
cblr-1739	878	22	fcra	fcra	NOUN
cblr-1739	878	23	terms	term	NOUN
cblr-1739	878	24	all	all	PRON
cblr-1739	878	25	relate	relate	VERB
cblr-1739	878	26	to	to	ADP
cblr-1739	878	27	the	the	DET
cblr-1739	878	28	notion	notion	NOUN
cblr-1739	878	29	of	of	ADP
cblr-1739	878	30	decoupling	decouple	VERB
cblr-1739	878	31	the	the	DET
cblr-1739	878	32	present	present	NOUN
cblr-1739	878	33	from	from	ADP
cblr-1739	878	34	the	the	DET
cblr-1739	878	35	past	past	NOUN
cblr-1739	878	36	,	,	PUNCT
cblr-1739	878	37	none	none	NOUN
cblr-1739	878	38	address	address	NOUN
cblr-1739	878	39	the	the	DET
cblr-1739	878	40	challenges	challenge	NOUN
cblr-1739	878	41	raised	raise	VERB
cblr-1739	878	42	by	by	ADP
cblr-1739	878	43	the	the	DET
cblr-1739	878	44	rise	rise	NOUN
cblr-1739	878	45	of	of	ADP
cblr-1739	878	46	social	social	ADJ
cblr-1739	878	47	credit	credit	NOUN
cblr-1739	878	48	.	.	PUNCT
cblr-1739	879	1	because	because	SCONJ
cblr-1739	879	2	it	it	PRON
cblr-1739	879	3	is	be	AUX
cblr-1739	879	4	the	the	DET
cblr-1739	879	5	social	social	ADJ
cblr-1739	879	6	networks	network	NOUN
cblr-1739	879	7	’	'	PUNCT
cblr-1739	879	8	users	user	NOUN
cblr-1739	879	9	that	that	PRON
cblr-1739	879	10	determine	determine	VERB
cblr-1739	879	11	the	the	DET
cblr-1739	879	12	substance	substance	NOUN
cblr-1739	879	13	of	of	ADP
cblr-1739	879	14	their	their	PRON
cblr-1739	879	15	accounts	account	NOUN
cblr-1739	879	16	,	,	PUNCT
cblr-1739	879	17	they	they	PRON
cblr-1739	879	18	could	could	AUX
cblr-1739	879	19	simply	simply	ADV
cblr-1739	879	20	delete	delete	VERB
cblr-1739	879	21	information	information	NOUN
cblr-1739	879	22	they	they	PRON
cblr-1739	879	23	prefer	prefer	VERB
cblr-1739	879	24	would	would	AUX
cblr-1739	879	25	be	be	AUX
cblr-1739	879	26	forgotten	forget	VERB
cblr-1739	879	27	and	and	CCONJ
cblr-1739	879	28	reconstitute	reconstitute	VERB
cblr-1739	879	29	their	their	PRON
cblr-1739	879	30	past	past	ADJ
cblr-1739	879	31	social	social	ADJ
cblr-1739	879	32	image	image	NOUN
cblr-1739	879	33	by	by	ADP
cblr-1739	879	34	making	make	VERB
cblr-1739	879	35	the	the	DET
cblr-1739	879	36	changes	change	NOUN
cblr-1739	879	37	they	they	PRON
cblr-1739	879	38	see	see	VERB
cblr-1739	879	39	fit	fit	ADJ
cblr-1739	879	40	.	.	PUNCT
cblr-1739	880	1	thus	thus	ADV
cblr-1739	880	2	,	,	PUNCT
cblr-1739	880	3	social	social	ADJ
cblr-1739	880	4	credit	credit	NOUN
cblr-1739	880	5	does	do	AUX
cblr-1739	880	6	not	not	PART
cblr-1739	880	7	implicate	implicate	VERB
cblr-1739	880	8	any	any	DET
cblr-1739	880	9	need	need	NOUN
cblr-1739	880	10	to	to	PART
cblr-1739	880	11	resort	resort	VERB
cblr-1739	880	12	to	to	ADP
cblr-1739	880	13	the	the	DET
cblr-1739	880	14	fcra	fcra	NOUN
cblr-1739	880	15	,	,	PUNCT
cblr-1739	880	16	the	the	DET
cblr-1739	880	17	right	right	NOUN
cblr-1739	880	18	to	to	PART
cblr-1739	880	19	be	be	AUX
cblr-1739	880	20	forgotten	forget	VERB
cblr-1739	880	21	,	,	PUNCT
cblr-1739	880	22	or	or	CCONJ
cblr-1739	880	23	the	the	DET
cblr-1739	880	24	revisability	revisability	NOUN
cblr-1739	880	25	principle	principle	NOUN
cblr-1739	880	26	.	.	PUNCT
cblr-1739	881	1	it	it	PRON
cblr-1739	881	2	does	do	AUX
cblr-1739	881	3	,	,	PUNCT
cblr-1739	881	4	however	however	ADV
cblr-1739	881	5	,	,	PUNCT
cblr-1739	881	6	turn	turn	VERB
cblr-1739	881	7	those	those	DET
cblr-1739	881	8	voluntary	voluntary	ADJ
cblr-1739	881	9	rights	right	NOUN
cblr-1739	881	10	into	into	ADP
cblr-1739	881	11	virtual	virtual	ADJ
cblr-1739	881	12	obligations	obligation	NOUN
cblr-1739	881	13	.	.	PUNCT
cblr-1739	882	1	faced	face	VERB
cblr-1739	882	2	with	with	ADP
cblr-1739	882	3	a	a	DET
cblr-1739	882	4	difficult	difficult	ADJ
cblr-1739	882	5	choice	choice	NOUN
cblr-1739	882	6	between	between	ADP
cblr-1739	882	7	her	her	PRON
cblr-1739	882	8	social	social	ADJ
cblr-1739	882	9	history	history	NOUN
cblr-1739	882	10	and	and	CCONJ
cblr-1739	882	11	her	her	PRON
cblr-1739	882	12	social	social	ADJ
cblr-1739	882	13	credit	credit	NOUN
cblr-1739	882	14	score	score	NOUN
cblr-1739	882	15	,	,	PUNCT
cblr-1739	882	16	a	a	DET
cblr-1739	882	17	person	person	NOUN
cblr-1739	882	18	would	would	AUX
cblr-1739	882	19	not	not	PART
cblr-1739	882	20	simply	simply	ADV
cblr-1739	882	21	have	have	VERB
cblr-1739	882	22	a	a	DET
cblr-1739	882	23	right	right	NOUN
cblr-1739	882	24	to	to	PART
cblr-1739	882	25	disconnect	disconnect	VERB
cblr-1739	882	26	from	from	ADP
cblr-1739	882	27	her	her	PRON
cblr-1739	882	28	past	past	NOUN
cblr-1739	882	29	,	,	PUNCT
cblr-1739	882	30	but	but	CCONJ
cblr-1739	882	31	a	a	DET
cblr-1739	882	32	perceivably	perceivably	ADV
cblr-1739	882	33	rational	rational	ADJ
cblr-1739	882	34	duty	duty	NOUN
cblr-1739	882	35	to	to	PART
cblr-1739	882	36	erase	erase	VERB
cblr-1739	882	37	her	her	PRON
cblr-1739	882	38	damaging	damaging	ADJ
cblr-1739	882	39	societal	societal	ADJ
cblr-1739	882	40	record	record	NOUN
cblr-1739	882	41	.	.	PUNCT
cblr-1739	883	1	vi	vi	X
cblr-1739	883	2	.	.	PROPN
cblr-1739	884	1	on	on	ADP
cblr-1739	884	2	algorithms	algorithm	NOUN
cblr-1739	884	3	,	,	PUNCT
cblr-1739	884	4	discrimination	discrimination	NOUN
cblr-1739	884	5	,	,	PUNCT
cblr-1739	884	6	and	and	CCONJ
cblr-1739	884	7	integrity229	integrity229	PROPN
cblr-1739	884	8	in	in	ADP
cblr-1739	884	9	his	his	PRON
cblr-1739	884	10	book	book	NOUN
cblr-1739	884	11	,	,	PUNCT
cblr-1739	884	12	the	the	DET
cblr-1739	884	13	black	black	PROPN
cblr-1739	884	14	box	box	PROPN
cblr-1739	884	15	society	society	NOUN
cblr-1739	884	16	,	,	PUNCT
cblr-1739	884	17	frank	frank	ADJ
cblr-1739	884	18	pasquale	pasquale	PROPN
cblr-1739	884	19	notes	note	VERB
cblr-1739	884	20	that	that	SCONJ
cblr-1739	884	21	credit	credit	NOUN
cblr-1739	884	22	bureaus	bureaus	NOUN
cblr-1739	884	23	pioneered	pioneer	VERB
cblr-1739	884	24	“	"	PUNCT
cblr-1739	884	25	black	black	ADJ
cblr-1739	884	26	box	box	NOUN
cblr-1739	884	27	techniques	technique	NOUN
cblr-1739	884	28	,	,	PUNCT
cblr-1739	884	29	”	"	PUNCT
cblr-1739	884	30	generating	generate	VERB
cblr-1739	884	31	decisions	decision	NOUN
cblr-1739	884	32	of	of	ADP
cblr-1739	884	33	crucial	crucial	ADJ
cblr-1739	884	34	importance	importance	NOUN
cblr-1739	884	35	for	for	ADP
cblr-1739	884	36	people	people	NOUN
cblr-1739	884	37	,	,	PUNCT
cblr-1739	884	38	yet	yet	CCONJ
cblr-1739	884	39	hiding	hide	VERB
cblr-1739	884	40	their	their	PRON
cblr-1739	884	41	methods	method	NOUN
cblr-1739	884	42	for	for	ADP
cblr-1739	884	43	data	datum	NOUN
cblr-1739	884	44	collection	collection	NOUN
cblr-1739	884	45	and	and	CCONJ
cblr-1739	884	46	analysis.230	analysis.230	PRON
cblr-1739	884	47	indeed	indeed	ADV
cblr-1739	884	48	,	,	PUNCT
cblr-1739	884	49	the	the	DET
cblr-1739	884	50	credit	credit	NOUN
cblr-1739	884	51	scoring	scoring	NOUN
cblr-1739	884	52	process	process	NOUN
cblr-1739	884	53	is	be	AUX
cblr-1739	884	54	an	an	DET
cblr-1739	884	55	enigma	enigma	NOUN
cblr-1739	884	56	not	not	PART
cblr-1739	884	57	only	only	ADV
cblr-1739	884	58	to	to	ADP
cblr-1739	884	59	the	the	DET
cblr-1739	884	60	common	common	ADJ
cblr-1739	884	61	consumer	consumer	NOUN
cblr-1739	884	62	,	,	PUNCT
cblr-1739	884	63	but	but	CCONJ
cblr-1739	884	64	even	even	ADV
cblr-1739	884	65	to	to	ADP
cblr-1739	884	66	the	the	DET
cblr-1739	884	67	most	most	ADV
cblr-1739	884	68	sophisticated	sophisticated	ADJ
cblr-1739	884	69	and	and	CCONJ
cblr-1739	884	70	cautious	cautious	ADJ
cblr-1739	884	71	borrower.231	borrower.231	PROPN
cblr-1739	884	72	because	because	SCONJ
cblr-1739	884	73	of	of	ADP
cblr-1739	884	74	the	the	DET
cblr-1739	884	75	opacity	opacity	NOUN
cblr-1739	884	76	around	around	ADP
cblr-1739	884	77	credit	credit	NOUN
cblr-1739	884	78	scoring	scoring	NOUN
cblr-1739	884	79	systems	system	NOUN
cblr-1739	884	80	,	,	PUNCT
cblr-1739	884	81	those	those	DET
cblr-1739	884	82	systems	system	NOUN
cblr-1739	884	83	fail	fail	VERB
cblr-1739	884	84	in	in	ADP
cblr-1739	884	85	directing	direct	VERB
cblr-1739	884	86	the	the	DET
cblr-1739	884	87	scored	score	VERB
cblr-1739	884	88	individuals	individual	NOUN
cblr-1739	884	89	to	to	ADP
cblr-1739	884	90	the	the	DET
cblr-1739	884	91	optimal	optimal	ADJ
cblr-1739	884	92	credit	credit	NOUN
cblr-1739	884	93	behavior	behavior	NOUN
cblr-1739	884	94	.	.	PUNCT
cblr-1739	885	1	consumers	consumer	NOUN
cblr-1739	885	2	can	can	AUX
cblr-1739	885	3	not	not	PART
cblr-1739	885	4	clearly	clearly	ADV
cblr-1739	885	5	identify	identify	VERB
cblr-1739	885	6	acts	act	NOUN
cblr-1739	885	7	that	that	PRON
cblr-1739	885	8	would	would	AUX
cblr-1739	885	9	strengthen	strengthen	VERB
cblr-1739	885	10	their	their	PRON
cblr-1739	885	11	u.	u.	PROPN
cblr-1739	885	12	l.	l.	PROPN
cblr-1739	885	13	rev	rev	PROPN
cblr-1739	885	14	.	.	PROPN
cblr-1739	885	15	1249	1249	NUM
cblr-1739	885	16	(	(	PUNCT
cblr-1739	885	17	2007	2007	NUM
cblr-1739	885	18	)	)	PUNCT
cblr-1739	885	19	;	;	PUNCT
cblr-1739	886	1	frank	frank	ADJ
cblr-1739	886	2	pasquale	pasquale	PROPN
cblr-1739	886	3	,	,	PUNCT
cblr-1739	886	4	ranking	ranking	NOUN
cblr-1739	886	5	,	,	PUNCT
cblr-1739	886	6	reductionism	reductionism	NOUN
cblr-1739	886	7	,	,	PUNCT
cblr-1739	886	8	and	and	CCONJ
cblr-1739	886	9	responsibility	responsibility	NOUN
cblr-1739	886	10	,	,	PUNCT
cblr-1739	886	11	54	54	NUM
cblr-1739	886	12	clev	clev	NOUN
cblr-1739	886	13	.	.	PUNCT
cblr-1739	887	1	st	st	PROPN
cblr-1739	887	2	.	.	PROPN
cblr-1739	887	3	l.	l.	PROPN
cblr-1739	887	4	rev	rev	PROPN
cblr-1739	887	5	.	.	PROPN
cblr-1739	888	1	56	56	NUM
cblr-1739	888	2	(	(	PUNCT
cblr-1739	888	3	2006	2006	NUM
cblr-1739	888	4	)	)	PUNCT
cblr-1739	888	5	.	.	PUNCT
cblr-1739	889	1	229	229	NUM
cblr-1739	890	1	an	an	DET
cblr-1739	890	2	additional	additional	ADJ
cblr-1739	890	3	challenge	challenge	NOUN
cblr-1739	890	4	that	that	PRON
cblr-1739	890	5	could	could	AUX
cblr-1739	890	6	be	be	AUX
cblr-1739	890	7	grouped	group	VERB
cblr-1739	890	8	with	with	ADP
cblr-1739	890	9	this	this	DET
cblr-1739	890	10	class	class	NOUN
cblr-1739	890	11	of	of	ADP
cblr-1739	890	12	risks	risk	NOUN
cblr-1739	890	13	relates	relate	VERB
cblr-1739	890	14	to	to	ADP
cblr-1739	890	15	cybersecurity	cybersecurity	NOUN
cblr-1739	890	16	.	.	PUNCT
cblr-1739	891	1	the	the	DET
cblr-1739	891	2	massive	massive	ADJ
cblr-1739	891	3	volume	volume	NOUN
cblr-1739	891	4	of	of	ADP
cblr-1739	891	5	personal	personal	ADJ
cblr-1739	891	6	data	datum	NOUN
cblr-1739	891	7	that	that	PRON
cblr-1739	891	8	is	be	AUX
cblr-1739	891	9	mined	mine	VERB
cblr-1739	891	10	,	,	PUNCT
cblr-1739	891	11	analyzed	analyze	VERB
cblr-1739	891	12	and	and	CCONJ
cblr-1739	891	13	stored	store	VERB
cblr-1739	891	14	by	by	ADP
cblr-1739	891	15	private	private	ADJ
cblr-1739	891	16	corporations	corporation	NOUN
cblr-1739	891	17	increases	increase	VERB
cblr-1739	891	18	the	the	DET
cblr-1739	891	19	risks	risk	NOUN
cblr-1739	891	20	of	of	ADP
cblr-1739	891	21	data	datum	NOUN
cblr-1739	891	22	security	security	NOUN
cblr-1739	891	23	breaches	breach	NOUN
cblr-1739	891	24	for	for	ADP
cblr-1739	891	25	consumers	consumer	NOUN
cblr-1739	891	26	.	.	PUNCT
cblr-1739	892	1	see	see	VERB
cblr-1739	892	2	exec	exec	NOUN
cblr-1739	892	3	.	.	PUNCT
cblr-1739	893	1	off	off	ADP
cblr-1739	893	2	.	.	PUNCT
cblr-1739	894	1	of	of	ADP
cblr-1739	894	2	the	the	DET
cblr-1739	894	3	president	president	NOUN
cblr-1739	894	4	,	,	PUNCT
cblr-1739	894	5	big	big	ADJ
cblr-1739	894	6	data	datum	NOUN
cblr-1739	894	7	:	:	PUNCT
cblr-1739	894	8	seizing	seize	VERB
cblr-1739	894	9	opportunities	opportunity	NOUN
cblr-1739	894	10	,	,	PUNCT
cblr-1739	894	11	preserving	preserve	VERB
cblr-1739	894	12	values	value	NOUN
cblr-1739	894	13	51	51	NUM
cblr-1739	894	14	(	(	PUNCT
cblr-1739	894	15	may	may	PROPN
cblr-1739	894	16	2014	2014	NUM
cblr-1739	894	17	)	)	PUNCT
cblr-1739	894	18	,	,	PUNCT
cblr-1739	894	19	https://www.whitehouse.gov/sites/default/files/docs/big_data_privacy_repor	https://www.whitehouse.gov/sites/default/files/docs/big_data_privacy_repor	X
cblr-1739	894	20	t_may_1_2014.pdf	t_may_1_2014.pdf	PROPN
cblr-1739	895	1	[	[	X
cblr-1739	895	2	http://perma.cc/b523-flbu	http://perma.cc/b523-flbu	X
cblr-1739	895	3	]	]	X
cblr-1739	895	4	.	.	PUNCT
cblr-1739	896	1	230	230	NUM
cblr-1739	896	2	see	see	VERB
cblr-1739	896	3	frank	frank	ADJ
cblr-1739	896	4	pasquale	pasquale	PROPN
cblr-1739	896	5	,	,	PUNCT
cblr-1739	896	6	the	the	DET
cblr-1739	896	7	black	black	PROPN
cblr-1739	896	8	box	box	PROPN
cblr-1739	896	9	society	society	NOUN
cblr-1739	896	10	22	22	NUM
cblr-1739	896	11	(	(	PUNCT
cblr-1739	896	12	2015	2015	NUM
cblr-1739	896	13	)	)	PUNCT
cblr-1739	896	14	.	.	PUNCT
cblr-1739	897	1	231	231	NUM
cblr-1739	897	2	see	see	VERB
cblr-1739	897	3	citron	citron	NOUN
cblr-1739	897	4	&	&	CCONJ
cblr-1739	897	5	pasquale	pasquale	PROPN
cblr-1739	897	6	,	,	PUNCT
cblr-1739	897	7	supra	supra	PROPN
cblr-1739	897	8	note	note	PROPN
cblr-1739	897	9	27	27	NUM
cblr-1739	897	10	,	,	PUNCT
cblr-1739	897	11	at	at	ADP
cblr-1739	897	12	10	10	NUM
cblr-1739	897	13	.	.	PUNCT
cblr-1739	898	1	geslevich	geslevich	PROPN
cblr-1739	898	2	packin	packin	PROPN
cblr-1739	898	3	&	&	CCONJ
cblr-1739	898	4	lev	lev	PROPN
cblr-1739	898	5	-	-	PUNCT
cblr-1739	898	6	aretz	aretz	PROPN
cblr-1739	898	7	–	–	PUNCT
cblr-1739	898	8	final	final	ADJ
cblr-1739	898	9	402	402	NUM
cblr-1739	898	10	columbia	columbia	PROPN
cblr-1739	898	11	business	business	NOUN
cblr-1739	898	12	law	law	PROPN
cblr-1739	898	13	review	review	NOUN
cblr-1739	899	1	[	[	X
cblr-1739	899	2	vol	vol	NOUN
cblr-1739	899	3	.	.	PUNCT
cblr-1739	899	4	2016	2016	NUM
cblr-1739	899	5	measured	measure	VERB
cblr-1739	899	6	creditworthiness	creditworthiness	NOUN
cblr-1739	899	7	as	as	ADV
cblr-1739	899	8	well	well	ADV
cblr-1739	899	9	as	as	ADP
cblr-1739	899	10	acts	act	NOUN
cblr-1739	899	11	that	that	PRON
cblr-1739	899	12	could	could	AUX
cblr-1739	899	13	potentially	potentially	ADV
cblr-1739	899	14	lower	lower	VERB
cblr-1739	899	15	their	their	PRON
cblr-1739	899	16	score.232	score.232	NOUN
cblr-1739	899	17	even	even	ADV
cblr-1739	899	18	if	if	SCONJ
cblr-1739	899	19	consumers	consumer	NOUN
cblr-1739	899	20	pay	pay	VERB
cblr-1739	899	21	to	to	PART
cblr-1739	899	22	learn	learn	VERB
cblr-1739	899	23	about	about	ADP
cblr-1739	899	24	their	their	PRON
cblr-1739	899	25	credit	credit	NOUN
cblr-1739	899	26	score	score	NOUN
cblr-1739	899	27	by	by	ADP
cblr-1739	899	28	purchasing	purchase	VERB
cblr-1739	899	29	scores	score	NOUN
cblr-1739	899	30	from	from	ADP
cblr-1739	899	31	consumer	consumer	NOUN
cblr-1739	899	32	reporting	reporting	NOUN
cblr-1739	899	33	agencies	agency	NOUN
cblr-1739	899	34	,	,	PUNCT
cblr-1739	899	35	they	they	PRON
cblr-1739	899	36	have	have	VERB
cblr-1739	899	37	no	no	DET
cblr-1739	899	38	way	way	NOUN
cblr-1739	899	39	of	of	ADP
cblr-1739	899	40	knowing	know	VERB
cblr-1739	899	41	ahead	ahead	ADV
cblr-1739	899	42	of	of	ADP
cblr-1739	899	43	time	time	NOUN
cblr-1739	899	44	whether	whether	SCONJ
cblr-1739	899	45	the	the	DET
cblr-1739	899	46	scores	score	NOUN
cblr-1739	899	47	they	they	PRON
cblr-1739	899	48	obtain	obtain	VERB
cblr-1739	899	49	will	will	AUX
cblr-1739	899	50	adhere	adhere	VERB
cblr-1739	899	51	closely	closely	ADV
cblr-1739	899	52	to	to	PART
cblr-1739	899	53	,	,	PUNCT
cblr-1739	899	54	or	or	CCONJ
cblr-1739	899	55	differ	differ	VERB
cblr-1739	899	56	moderately	moderately	ADV
cblr-1739	899	57	or	or	CCONJ
cblr-1739	899	58	considerably	considerably	ADV
cblr-1739	899	59	from	from	ADP
cblr-1739	899	60	,	,	PUNCT
cblr-1739	899	61	a	a	DET
cblr-1739	899	62	score	score	NOUN
cblr-1739	899	63	sold	sell	VERB
cblr-1739	899	64	to	to	PART
cblr-1739	899	65	creditors.233	creditors.233	VERB
cblr-1739	899	66	in	in	ADP
cblr-1739	899	67	addition	addition	NOUN
cblr-1739	899	68	to	to	ADP
cblr-1739	899	69	invoking	invoke	VERB
cblr-1739	899	70	fairness	fairness	NOUN
cblr-1739	899	71	concerns	concern	NOUN
cblr-1739	899	72	,	,	PUNCT
cblr-1739	899	73	such	such	ADJ
cblr-1739	899	74	information	information	NOUN
cblr-1739	899	75	asymmetry	asymmetry	NOUN
cblr-1739	899	76	hinders	hinder	VERB
cblr-1739	899	77	consumers	consumer	NOUN
cblr-1739	899	78	’	’	PART
cblr-1739	899	79	ability	ability	NOUN
cblr-1739	899	80	to	to	PART
cblr-1739	899	81	determine	determine	VERB
cblr-1739	899	82	if	if	SCONJ
cblr-1739	899	83	they	they	PRON
cblr-1739	899	84	can	can	AUX
cblr-1739	899	85	obtain	obtain	VERB
cblr-1739	899	86	credit	credit	NOUN
cblr-1739	899	87	at	at	ADP
cblr-1739	899	88	a	a	DET
cblr-1739	899	89	fair	fair	ADJ
cblr-1739	899	90	price.234	price.234	NOUN
cblr-1739	899	91	under	under	ADP
cblr-1739	899	92	the	the	DET
cblr-1739	899	93	veil	veil	NOUN
cblr-1739	899	94	of	of	ADP
cblr-1739	899	95	secrecy	secrecy	NOUN
cblr-1739	899	96	and	and	CCONJ
cblr-1739	899	97	their	their	PRON
cblr-1739	899	98	complex	complex	ADJ
cblr-1739	899	99	structure	structure	NOUN
cblr-1739	899	100	,	,	PUNCT
cblr-1739	899	101	existing	exist	VERB
cblr-1739	899	102	scoring	scoring	NOUN
cblr-1739	899	103	models	model	NOUN
cblr-1739	899	104	also	also	ADV
cblr-1739	899	105	puzzle	puzzle	VERB
cblr-1739	899	106	regulators	regulator	NOUN
cblr-1739	899	107	,	,	PUNCT
cblr-1739	899	108	who	who	PRON
cblr-1739	899	109	frequently	frequently	ADV
cblr-1739	899	110	can	can	AUX
cblr-1739	899	111	not	not	PART
cblr-1739	899	112	fully	fully	ADV
cblr-1739	899	113	understand	understand	VERB
cblr-1739	899	114	,	,	PUNCT
cblr-1739	899	115	challenge	challenge	NOUN
cblr-1739	899	116	,	,	PUNCT
cblr-1739	899	117	or	or	CCONJ
cblr-1739	899	118	audit	audit	NOUN
cblr-1739	899	119	them.235	them.235	VERB
cblr-1739	899	120	credit	credit	NOUN
cblr-1739	899	121	scoring	scoring	NOUN
cblr-1739	899	122	systems	system	NOUN
cblr-1739	899	123	arguably	arguably	ADV
cblr-1739	899	124	generate	generate	VERB
cblr-1739	899	125	arbitrary	arbitrary	ADJ
cblr-1739	899	126	results	result	NOUN
cblr-1739	899	127	.	.	PUNCT
cblr-1739	900	1	a	a	DET
cblr-1739	900	2	2012	2012	NUM
cblr-1739	900	3	study	study	NOUN
cblr-1739	900	4	by	by	ADP
cblr-1739	900	5	the	the	DET
cblr-1739	900	6	consumer	consumer	NOUN
cblr-1739	900	7	financial	financial	PROPN
cblr-1739	900	8	protection	protection	PROPN
cblr-1739	900	9	bureau	bureau	PROPN
cblr-1739	900	10	found	find	VERB
cblr-1739	900	11	that	that	SCONJ
cblr-1739	900	12	one	one	NUM
cblr-1739	900	13	out	out	ADP
cblr-1739	900	14	of	of	ADP
cblr-1739	900	15	five	five	NUM
cblr-1739	900	16	consumers	consumer	NOUN
cblr-1739	900	17	is	be	AUX
cblr-1739	900	18	expected	expect	VERB
cblr-1739	900	19	to	to	PART
cblr-1739	900	20	have	have	VERB
cblr-1739	900	21	a	a	DET
cblr-1739	900	22	score	score	NOUN
cblr-1739	900	23	that	that	PRON
cblr-1739	900	24	is	be	AUX
cblr-1739	900	25	“	"	PUNCT
cblr-1739	900	26	meaningfully	meaningfully	ADV
cblr-1739	900	27	”	"	PUNCT
cblr-1739	900	28	different	different	ADJ
cblr-1739	900	29	from	from	ADP
cblr-1739	900	30	the	the	DET
cblr-1739	900	31	score	score	NOUN
cblr-1739	900	32	a	a	DET
cblr-1739	900	33	lender	lender	NOUN
cblr-1739	900	34	would	would	AUX
cblr-1739	900	35	use	use	VERB
cblr-1739	900	36	to	to	PART
cblr-1739	900	37	make	make	VERB
cblr-1739	900	38	a	a	DET
cblr-1739	900	39	credit	credit	NOUN
cblr-1739	900	40	decision.236	decision.236	NOUN
cblr-1739	900	41	amidst	amidst	ADP
cblr-1739	900	42	a	a	DET
cblr-1739	900	43	longlasting	longlaste	VERB
cblr-1739	900	44	state	state	NOUN
cblr-1739	900	45	of	of	ADP
cblr-1739	900	46	opacity	opacity	NOUN
cblr-1739	900	47	,	,	PUNCT
cblr-1739	900	48	those	those	DET
cblr-1739	900	49	deviations	deviation	NOUN
cblr-1739	900	50	indicate	indicate	VERB
cblr-1739	900	51	a	a	DET
cblr-1739	900	52	significant	significant	ADJ
cblr-1739	900	53	share	share	NOUN
cblr-1739	900	54	of	of	ADP
cblr-1739	900	55	arbitrary	arbitrary	ADJ
cblr-1739	900	56	valuations.237	valuations.237	PROPN
cblr-1739	900	57	due	due	ADP
cblr-1739	900	58	to	to	ADP
cblr-1739	900	59	their	their	PRON
cblr-1739	900	60	arbitrary	arbitrary	ADJ
cblr-1739	900	61	nature	nature	NOUN
cblr-1739	900	62	,	,	PUNCT
cblr-1739	900	63	existing	exist	VERB
cblr-1739	900	64	credit	credit	NOUN
cblr-1739	900	65	scoring	scoring	NOUN
cblr-1739	900	66	systems	system	NOUN
cblr-1739	900	67	ended	end	VERB
cblr-1739	900	68	up	up	ADP
cblr-1739	900	69	penalizing	penalize	VERB
cblr-1739	900	70	consumers	consumer	NOUN
cblr-1739	900	71	for	for	ADP
cblr-1739	900	72	responsible	responsible	ADJ
cblr-1739	900	73	behavior,238	behavior,238	PROPN
cblr-1739	900	74	facilitating	facilitate	VERB
cblr-1739	900	75	de	de	X
cblr-1739	900	76	facto	facto	X
cblr-1739	900	77	discriminatory	discriminatory	ADJ
cblr-1739	900	78	lending	lending	NOUN
cblr-1739	900	79	practices,239	practices,239	PROPN
cblr-1739	900	80	and	and	CCONJ
cblr-1739	900	81	having	have	VERB
cblr-1739	900	82	the	the	DET
cblr-1739	900	83	232	232	NUM
cblr-1739	900	84	see	see	NOUN
cblr-1739	901	1	i	i	PRON
cblr-1739	901	2	d.	d.	PROPN
cblr-1739	901	3	at	at	ADP
cblr-1739	901	4	11	11	NUM
cblr-1739	901	5	.	.	PUNCT
cblr-1739	901	6	233	233	NUM
cblr-1739	901	7	see	see	VERB
cblr-1739	901	8	consumer	consumer	NOUN
cblr-1739	901	9	fin	fin	NOUN
cblr-1739	901	10	.	.	PUNCT
cblr-1739	902	1	prot	prot	PROPN
cblr-1739	902	2	.	.	PUNCT
cblr-1739	903	1	bureau	bureau	NOUN
cblr-1739	903	2	,	,	PUNCT
cblr-1739	903	3	analysis	analysis	NOUN
cblr-1739	903	4	of	of	ADP
cblr-1739	903	5	differences	difference	NOUN
cblr-1739	903	6	between	between	ADP
cblr-1739	903	7	consumerand	consumerand	NOUN
cblr-1739	903	8	creditor	creditor	NOUN
cblr-1739	903	9	-	-	PUNCT
cblr-1739	903	10	purchased	purchase	VERB
cblr-1739	903	11	credit	credit	NOUN
cblr-1739	903	12	scores	score	NOUN
cblr-1739	903	13	(	(	PUNCT
cblr-1739	903	14	sept	sept	PROPN
cblr-1739	903	15	.	.	PROPN
cblr-1739	903	16	2012	2012	NUM
cblr-1739	903	17	)	)	PUNCT
cblr-1739	903	18	,	,	PUNCT
cblr-1739	903	19	http://files.consumerfinance.gov/f/201209_analysis_differences_con	http://files.consumerfinance.gov/f/201209_analysis_differences_con	PROPN
cblr-1739	903	20	sumer_credit.pdf/	sumer_credit.pdf/	NOUN
cblr-1739	903	21	[	[	X
cblr-1739	903	22	http://perma.cc/j9wp-td46	http://perma.cc/j9wp-td46	NOUN
cblr-1739	903	23	]	]	X
cblr-1739	903	24	.	.	PUNCT
cblr-1739	904	1	234	234	NUM
cblr-1739	904	2	see	see	VERB
cblr-1739	904	3	brenda	brenda	PROPN
cblr-1739	904	4	reddix	reddix	PROPN
cblr-1739	904	5	-	-	PUNCT
cblr-1739	904	6	smalls	smalls	PROPN
cblr-1739	904	7	,	,	PUNCT
cblr-1739	904	8	credit	credit	NOUN
cblr-1739	904	9	scoring	scoring	NOUN
cblr-1739	904	10	and	and	CCONJ
cblr-1739	904	11	trade	trade	NOUN
cblr-1739	904	12	secrecy	secrecy	NOUN
cblr-1739	904	13	:	:	PUNCT
cblr-1739	904	14	an	an	DET
cblr-1739	904	15	algorithmic	algorithmic	ADJ
cblr-1739	904	16	quagmire	quagmire	NOUN
cblr-1739	904	17	or	or	CCONJ
cblr-1739	904	18	how	how	SCONJ
cblr-1739	904	19	the	the	DET
cblr-1739	904	20	lack	lack	NOUN
cblr-1739	904	21	of	of	ADP
cblr-1739	904	22	transparency	transparency	NOUN
cblr-1739	904	23	in	in	ADP
cblr-1739	904	24	complex	complex	ADJ
cblr-1739	904	25	financial	financial	ADJ
cblr-1739	904	26	models	model	NOUN
cblr-1739	904	27	scuttled	scuttle	VERB
cblr-1739	904	28	the	the	DET
cblr-1739	904	29	finance	finance	NOUN
cblr-1739	904	30	market	market	NOUN
cblr-1739	904	31	,	,	PUNCT
cblr-1739	904	32	12	12	NUM
cblr-1739	904	33	u.c	u.c	PROPN
cblr-1739	904	34	.	.	PUNCT
cblr-1739	904	35	davis	davis	PROPN
cblr-1739	904	36	bus	bus	PROPN
cblr-1739	904	37	.	.	PUNCT
cblr-1739	905	1	l.j	l.j	PROPN
cblr-1739	905	2	.	.	PROPN
cblr-1739	905	3	87	87	NUM
cblr-1739	905	4	,	,	PUNCT
cblr-1739	905	5	118	118	NUM
cblr-1739	905	6	(	(	PUNCT
cblr-1739	905	7	2011	2011	NUM
cblr-1739	905	8	)	)	PUNCT
cblr-1739	905	9	.	.	PUNCT
cblr-1739	906	1	235	235	NUM
cblr-1739	906	2	see	see	VERB
cblr-1739	906	3	citron	citron	NOUN
cblr-1739	906	4	&	&	CCONJ
cblr-1739	906	5	pasquale	pasquale	PROPN
cblr-1739	906	6	,	,	PUNCT
cblr-1739	906	7	supra	supra	PROPN
cblr-1739	906	8	note	note	PROPN
cblr-1739	906	9	27	27	NUM
cblr-1739	906	10	,	,	PUNCT
cblr-1739	906	11	at	at	ADP
cblr-1739	906	12	11	11	NUM
cblr-1739	906	13	.	.	PUNCT
cblr-1739	906	14	236	236	NUM
cblr-1739	906	15	see	see	VERB
cblr-1739	906	16	consumer	consumer	NOUN
cblr-1739	906	17	fin	fin	NOUN
cblr-1739	906	18	.	.	PUNCT
cblr-1739	907	1	prot	prot	PROPN
cblr-1739	907	2	.	.	PUNCT
cblr-1739	908	1	bureau	bureau	PROPN
cblr-1739	908	2	,	,	PUNCT
cblr-1739	908	3	supra	supra	PROPN
cblr-1739	908	4	note	note	VERB
cblr-1739	908	5	233	233	NUM
cblr-1739	908	6	,	,	PUNCT
cblr-1739	908	7	at	at	ADP
cblr-1739	908	8	7	7	NUM
cblr-1739	908	9	(	(	PUNCT
cblr-1739	908	10	analyzing	analyze	VERB
cblr-1739	908	11	200,000	200,000	NUM
cblr-1739	908	12	credit	credit	NOUN
cblr-1739	908	13	files	file	NOUN
cblr-1739	908	14	from	from	ADP
cblr-1739	908	15	the	the	DET
cblr-1739	908	16	three	three	NUM
cblr-1739	908	17	major	major	ADJ
cblr-1739	908	18	credit	credit	NOUN
cblr-1739	908	19	bureaus	bureaus	NOUN
cblr-1739	908	20	,	,	PUNCT
cblr-1739	908	21	transunion	transunion	NOUN
cblr-1739	908	22	,	,	PUNCT
cblr-1739	908	23	equifax	equifax	NOUN
cblr-1739	908	24	,	,	PUNCT
cblr-1739	908	25	and	and	CCONJ
cblr-1739	908	26	experian	experian	ADJ
cblr-1739	908	27	)	)	PUNCT
cblr-1739	908	28	.	.	PUNCT
cblr-1739	909	1	237	237	NUM
cblr-1739	909	2	see	see	VERB
cblr-1739	909	3	citron	citron	NOUN
cblr-1739	909	4	&	&	CCONJ
cblr-1739	909	5	pasquale	pasquale	PROPN
cblr-1739	909	6	,	,	PUNCT
cblr-1739	909	7	supra	supra	PROPN
cblr-1739	909	8	note	note	PROPN
cblr-1739	909	9	27	27	NUM
cblr-1739	909	10	,	,	PUNCT
cblr-1739	909	11	at	at	ADP
cblr-1739	909	12	12	12	NUM
cblr-1739	909	13	.	.	PUNCT
cblr-1739	910	1	238	238	NUM
cblr-1739	910	2	i	i	PRON
cblr-1739	910	3	d.	d.	PROPN
cblr-1739	910	4	239	239	NUM
cblr-1739	910	5	see	see	VERB
cblr-1739	910	6	cassandra	cassandra	PROPN
cblr-1739	910	7	jones	jones	PROPN
cblr-1739	910	8	havard	havard	PROPN
cblr-1739	910	9	,	,	PUNCT
cblr-1739	910	10	“	"	PUNCT
cblr-1739	910	11	on	on	ADP
cblr-1739	910	12	the	the	DET
cblr-1739	910	13	take	take	NOUN
cblr-1739	910	14	”	"	PUNCT
cblr-1739	910	15	:	:	PUNCT
cblr-1739	910	16	the	the	DET
cblr-1739	910	17	black	black	PROPN
cblr-1739	910	18	box	box	PROPN
cblr-1739	910	19	of	of	ADP
cblr-1739	910	20	credit	credit	NOUN
cblr-1739	910	21	scoring	scoring	NOUN
cblr-1739	910	22	and	and	CCONJ
cblr-1739	910	23	mortgage	mortgage	NOUN
cblr-1739	910	24	discrimination	discrimination	NOUN
cblr-1739	910	25	,	,	PUNCT
cblr-1739	910	26	20	20	NUM
cblr-1739	910	27	b.u	b.u	PROPN
cblr-1739	910	28	.	.	PUNCT
cblr-1739	910	29	pub	pub	NOUN
cblr-1739	910	30	.	.	PUNCT
cblr-1739	911	1	int’l	int’l	PRON
cblr-1739	911	2	l.j	l.j	PROPN
cblr-1739	911	3	.	.	PROPN
cblr-1739	911	4	241	241	NUM
cblr-1739	911	5	,	,	PUNCT
cblr-1739	911	6	245	245	NUM
cblr-1739	911	7	(	(	PUNCT
cblr-1739	911	8	2011	2011	NUM
cblr-1739	911	9	)	)	PUNCT
cblr-1739	911	10	.	.	PUNCT
cblr-1739	912	1	geslevich	geslevich	PROPN
cblr-1739	912	2	packin	packin	PROPN
cblr-1739	912	3	&	&	CCONJ
cblr-1739	912	4	lev	lev	PROPN
cblr-1739	912	5	-	-	PUNCT
cblr-1739	912	6	aretz	aretz	PROPN
cblr-1739	912	7	–	–	PUNCT
cblr-1739	912	8	final	final	ADJ
cblr-1739	912	9	no	no	NOUN
cblr-1739	912	10	.	.	PUNCT
cblr-1739	913	1	2:339	2:339	NUM
cblr-1739	913	2	]	]	X
cblr-1739	913	3	on	on	ADP
cblr-1739	913	4	social	social	ADJ
cblr-1739	913	5	credit	credit	NOUN
cblr-1739	913	6	403	403	NUM
cblr-1739	913	7	potential	potential	NOUN
cblr-1739	913	8	for	for	ADP
cblr-1739	913	9	worldwide	worldwide	ADJ
cblr-1739	913	10	calamitous	calamitous	ADJ
cblr-1739	913	11	results	result	NOUN
cblr-1739	913	12	.	.	PUNCT
cblr-1739	914	1	this	this	DET
cblr-1739	914	2	potential	potential	NOUN
cblr-1739	914	3	materialized	materialize	VERB
cblr-1739	914	4	in	in	ADP
cblr-1739	914	5	the	the	DET
cblr-1739	914	6	financial	financial	ADJ
cblr-1739	914	7	crisis	crisis	NOUN
cblr-1739	914	8	of	of	ADP
cblr-1739	914	9	2008.240	2008.240	NUM
cblr-1739	914	10	credit	credit	NOUN
cblr-1739	914	11	scoring	scoring	NOUN
cblr-1739	914	12	practices	practice	NOUN
cblr-1739	914	13	also	also	ADV
cblr-1739	914	14	perpetuate	perpetuate	VERB
cblr-1739	914	15	structural	structural	ADJ
cblr-1739	914	16	racism	racism	NOUN
cblr-1739	914	17	and	and	CCONJ
cblr-1739	914	18	negative	negative	ADJ
cblr-1739	914	19	biases	bias	NOUN
cblr-1739	914	20	about	about	ADP
cblr-1739	914	21	minority	minority	NOUN
cblr-1739	914	22	groups	group	NOUN
cblr-1739	914	23	by	by	ADP
cblr-1739	914	24	systemizing	systemize	VERB
cblr-1739	914	25	existing	exist	VERB
cblr-1739	914	26	discriminations	discrimination	NOUN
cblr-1739	914	27	.	.	PUNCT
cblr-1739	915	1	evidence	evidence	NOUN
cblr-1739	915	2	suggests	suggest	VERB
cblr-1739	915	3	that	that	SCONJ
cblr-1739	915	4	,	,	PUNCT
cblr-1739	915	5	because	because	SCONJ
cblr-1739	915	6	there	there	PRON
cblr-1739	915	7	are	be	VERB
cblr-1739	915	8	common	common	ADJ
cblr-1739	915	9	factors	factor	NOUN
cblr-1739	915	10	among	among	ADP
cblr-1739	915	11	minority	minority	NOUN
cblr-1739	915	12	groups	group	NOUN
cblr-1739	915	13	that	that	PRON
cblr-1739	915	14	reflect	reflect	VERB
cblr-1739	915	15	higher	high	ADJ
cblr-1739	915	16	rates	rate	NOUN
cblr-1739	915	17	of	of	ADP
cblr-1739	915	18	denial	denial	NOUN
cblr-1739	915	19	or	or	CCONJ
cblr-1739	915	20	approval	approval	NOUN
cblr-1739	915	21	for	for	ADP
cblr-1739	915	22	credit	credit	NOUN
cblr-1739	915	23	,	,	PUNCT
cblr-1739	915	24	credit	credit	NOUN
cblr-1739	915	25	scoring	scoring	NOUN
cblr-1739	915	26	has	have	VERB
cblr-1739	915	27	a	a	DET
cblr-1739	915	28	disparate	disparate	ADJ
cblr-1739	915	29	impact	impact	NOUN
cblr-1739	915	30	on	on	ADP
cblr-1739	915	31	traditionally	traditionally	ADV
cblr-1739	915	32	disadvantaged	disadvantage	VERB
cblr-1739	915	33	classes.241	classes.241	VERB
cblr-1739	915	34	for	for	ADP
cblr-1739	915	35	example	example	NOUN
cblr-1739	915	36	,	,	PUNCT
cblr-1739	915	37	a	a	DET
cblr-1739	915	38	2014	2014	NUM
cblr-1739	915	39	study	study	NOUN
cblr-1739	915	40	examining	examine	VERB
cblr-1739	915	41	minority	minority	NOUN
cblr-1739	915	42	access	access	NOUN
cblr-1739	915	43	to	to	ADP
cblr-1739	915	44	housing	housing	NOUN
cblr-1739	915	45	found	find	VERB
cblr-1739	915	46	that	that	SCONJ
cblr-1739	915	47	minorities	minority	NOUN
cblr-1739	915	48	were	be	AUX
cblr-1739	915	49	much	much	ADV
cblr-1739	915	50	more	more	ADV
cblr-1739	915	51	likely	likely	ADJ
cblr-1739	915	52	to	to	PART
cblr-1739	915	53	have	have	VERB
cblr-1739	915	54	their	their	PRON
cblr-1739	915	55	mortgage	mortgage	NOUN
cblr-1739	915	56	applications	application	NOUN
cblr-1739	915	57	denied.242	denied.242	NOUN
cblr-1739	915	58	hoping	hope	VERB
cblr-1739	915	59	to	to	PART
cblr-1739	915	60	minimize	minimize	VERB
cblr-1739	915	61	disparate	disparate	ADJ
cblr-1739	915	62	impact	impact	NOUN
cblr-1739	915	63	on	on	ADP
cblr-1739	915	64	minorities	minority	NOUN
cblr-1739	915	65	,	,	PUNCT
cblr-1739	915	66	many	many	ADJ
cblr-1739	915	67	states	state	NOUN
cblr-1739	915	68	today	today	NOUN
cblr-1739	915	69	regulate	regulate	VERB
cblr-1739	915	70	the	the	DET
cblr-1739	915	71	use	use	NOUN
cblr-1739	915	72	of	of	ADP
cblr-1739	915	73	credit	credit	NOUN
cblr-1739	915	74	scores	score	NOUN
cblr-1739	915	75	in	in	ADP
cblr-1739	915	76	insurance	insurance	NOUN
cblr-1739	915	77	underwriting	underwriting	NOUN
cblr-1739	915	78	.	.	PUNCT
cblr-1739	916	1	algorithmic	algorithmic	ADJ
cblr-1739	916	2	models	model	NOUN
cblr-1739	916	3	that	that	PRON
cblr-1739	916	4	utilize	utilize	VERB
cblr-1739	916	5	big	big	ADJ
cblr-1739	916	6	data	datum	NOUN
cblr-1739	916	7	mining	mining	NOUN
cblr-1739	916	8	and	and	CCONJ
cblr-1739	916	9	insights	insight	NOUN
cblr-1739	916	10	magnify	magnify	VERB
cblr-1739	916	11	opacity	opacity	NOUN
cblr-1739	916	12	,	,	PUNCT
cblr-1739	916	13	arbitrariness	arbitrariness	NOUN
cblr-1739	916	14	,	,	PUNCT
cblr-1739	916	15	and	and	CCONJ
cblr-1739	916	16	disparate	disparate	ADJ
cblr-1739	916	17	impact	impact	NOUN
cblr-1739	916	18	on	on	ADP
cblr-1739	916	19	minorities	minority	NOUN
cblr-1739	916	20	endemic	endemic	ADJ
cblr-1739	916	21	to	to	ADP
cblr-1739	916	22	credit	credit	NOUN
cblr-1739	916	23	scoring	scoring	NOUN
cblr-1739	916	24	systems	system	NOUN
cblr-1739	916	25	.	.	PUNCT
cblr-1739	917	1	what	what	PRON
cblr-1739	917	2	are	be	AUX
cblr-1739	917	3	commonly	commonly	ADV
cblr-1739	917	4	referred	refer	VERB
cblr-1739	917	5	to	to	ADP
cblr-1739	917	6	as	as	ADP
cblr-1739	917	7	“	"	PUNCT
cblr-1739	917	8	black	black	ADJ
cblr-1739	917	9	box	box	NOUN
cblr-1739	917	10	systems	system	NOUN
cblr-1739	917	11	”	"	PUNCT
cblr-1739	917	12	implicate	implicate	VERB
cblr-1739	917	13	four	four	NUM
cblr-1739	917	14	main	main	ADJ
cblr-1739	917	15	problems	problem	NOUN
cblr-1739	917	16	:	:	PUNCT
cblr-1739	917	17	(	(	PUNCT
cblr-1739	917	18	i	i	NOUN
cblr-1739	917	19	)	)	PUNCT
cblr-1739	917	20	the	the	DET
cblr-1739	917	21	data	datum	NOUN
cblr-1739	917	22	used	use	VERB
cblr-1739	917	23	may	may	AUX
cblr-1739	917	24	be	be	AUX
cblr-1739	917	25	inaccurate	inaccurate	ADJ
cblr-1739	917	26	or	or	CCONJ
cblr-1739	917	27	inappropriate	inappropriate	ADJ
cblr-1739	917	28	,	,	PUNCT
cblr-1739	917	29	(	(	PUNCT
cblr-1739	917	30	ii	ii	NOUN
cblr-1739	917	31	)	)	PUNCT
cblr-1739	917	32	algorithmic	algorithmic	ADJ
cblr-1739	917	33	modeling	modeling	NOUN
cblr-1739	917	34	may	may	AUX
cblr-1739	917	35	be	be	AUX
cblr-1739	917	36	biased	bias	VERB
cblr-1739	917	37	or	or	CCONJ
cblr-1739	917	38	limited	limited	ADJ
cblr-1739	917	39	,	,	PUNCT
cblr-1739	917	40	(	(	PUNCT
cblr-1739	917	41	iii	iii	X
cblr-1739	917	42	)	)	PUNCT
cblr-1739	917	43	machine	machine	NOUN
cblr-1739	917	44	learning	learning	NOUN
cblr-1739	917	45	may	may	AUX
cblr-1739	917	46	increasingly	increasingly	ADV
cblr-1739	917	47	replace	replace	VERB
cblr-1739	917	48	much	much	ADJ
cblr-1739	917	49	of	of	ADP
cblr-1739	917	50	the	the	DET
cblr-1739	917	51	control	control	NOUN
cblr-1739	917	52	humans	human	NOUN
cblr-1739	917	53	had	have	VERB
cblr-1739	917	54	on	on	ADP
cblr-1739	917	55	algorithmic	algorithmic	ADJ
cblr-1739	917	56	decisionmaking	decisionmaking	NOUN
cblr-1739	917	57	,	,	PUNCT
cblr-1739	917	58	and	and	CCONJ
cblr-1739	917	59	(	(	PUNCT
cblr-1739	917	60	iv	iv	X
cblr-1739	917	61	)	)	PUNCT
cblr-1739	917	62	the	the	DET
cblr-1739	917	63	uses	use	NOUN
cblr-1739	917	64	of	of	ADP
cblr-1739	917	65	algorithms	algorithm	NOUN
cblr-1739	917	66	are	be	AUX
cblr-1739	917	67	oftentimes	oftentime	NOUN
cblr-1739	917	68	opaque	opaque	ADJ
cblr-1739	917	69	.	.	PUNCT
cblr-1739	918	1	originating	originate	VERB
cblr-1739	918	2	in	in	ADP
cblr-1739	918	3	internet	internet	NOUN
cblr-1739	918	4	sources	source	NOUN
cblr-1739	918	5	,	,	PUNCT
cblr-1739	918	6	errors	error	NOUN
cblr-1739	918	7	,	,	PUNCT
cblr-1739	918	8	outages	outage	NOUN
cblr-1739	918	9	,	,	PUNCT
cblr-1739	918	10	and	and	CCONJ
cblr-1739	918	11	losses	loss	NOUN
cblr-1739	918	12	in	in	ADP
cblr-1739	918	13	large	large	ADJ
cblr-1739	918	14	data	datum	NOUN
cblr-1739	918	15	sets	set	NOUN
cblr-1739	918	16	are	be	AUX
cblr-1739	918	17	amplified	amplify	VERB
cblr-1739	918	18	when	when	SCONJ
cblr-1739	918	19	multiple	multiple	ADJ
cblr-1739	918	20	data	data	NOUN
cblr-1739	918	21	sets	set	NOUN
cblr-1739	918	22	are	be	AUX
cblr-1739	918	23	combined.243	combined.243	VERB
cblr-1739	918	24	the	the	DET
cblr-1739	918	25	choice	choice	NOUN
cblr-1739	918	26	of	of	ADP
cblr-1739	918	27	data	datum	NOUN
cblr-1739	918	28	to	to	PART
cblr-1739	918	29	be	be	AUX
cblr-1739	918	30	mined	mine	VERB
cblr-1739	918	31	and	and	CCONJ
cblr-1739	918	32	analyzed	analyze	VERB
cblr-1739	918	33	is	be	AUX
cblr-1739	918	34	also	also	ADV
cblr-1739	918	35	a	a	DET
cblr-1739	918	36	source	source	NOUN
cblr-1739	918	37	of	of	ADP
cblr-1739	918	38	concern	concern	NOUN
cblr-1739	918	39	because	because	SCONJ
cblr-1739	918	40	data	datum	NOUN
cblr-1739	918	41	mining	mining	NOUN
cblr-1739	918	42	can	can	AUX
cblr-1739	918	43	immortalize	immortalize	VERB
cblr-1739	918	44	the	the	DET
cblr-1739	918	45	preconceptions	preconception	NOUN
cblr-1739	918	46	of	of	ADP
cblr-1739	918	47	former	former	ADJ
cblr-1739	918	48	decision	decision	NOUN
cblr-1739	918	49	-	-	PUNCT
cblr-1739	918	50	makers	maker	NOUN
cblr-1739	918	51	or	or	CCONJ
cblr-1739	919	1	240	240	NUM
cblr-1739	919	2	see	see	VERB
cblr-1739	919	3	reddix	reddix	NOUN
cblr-1739	919	4	-	-	PUNCT
cblr-1739	919	5	smalls	smalls	PROPN
cblr-1739	919	6	,	,	PUNCT
cblr-1739	919	7	supra	supra	PROPN
cblr-1739	919	8	note	note	NOUN
cblr-1739	919	9	234	234	NUM
cblr-1739	919	10	,	,	PUNCT
cblr-1739	919	11	at	at	ADP
cblr-1739	919	12	95	95	NUM
cblr-1739	919	13	.	.	PUNCT
cblr-1739	920	1	241	241	NUM
cblr-1739	920	2	see	see	VERB
cblr-1739	920	3	citron	citron	NOUN
cblr-1739	920	4	&	&	CCONJ
cblr-1739	920	5	pasquale	pasquale	PROPN
cblr-1739	920	6	,	,	PUNCT
cblr-1739	920	7	supra	supra	PROPN
cblr-1739	920	8	note	note	PROPN
cblr-1739	920	9	27	27	NUM
cblr-1739	920	10	,	,	PUNCT
cblr-1739	920	11	at	at	ADP
cblr-1739	920	12	13–16	13–16	NUM
cblr-1739	920	13	.	.	PUNCT
cblr-1739	920	14	242	242	NUM
cblr-1739	920	15	see	see	VERB
cblr-1739	920	16	skylar	skylar	PROPN
cblr-1739	920	17	olson	olson	PROPN
cblr-1739	920	18	,	,	PUNCT
cblr-1739	920	19	a	a	DET
cblr-1739	920	20	house	house	NOUN
cblr-1739	920	21	divided	divide	VERB
cblr-1739	920	22	—	—	PUNCT
cblr-1739	920	23	how	how	SCONJ
cblr-1739	920	24	race	race	NOUN
cblr-1739	920	25	colors	color	VERB
cblr-1739	920	26	the	the	DET
cblr-1739	920	27	path	path	NOUN
cblr-1739	920	28	to	to	ADP
cblr-1739	920	29	homeownership	homeownership	NOUN
cblr-1739	920	30	,	,	PUNCT
cblr-1739	920	31	zillow	zillow	NOUN
cblr-1739	920	32	and	and	CCONJ
cblr-1739	920	33	the	the	DET
cblr-1739	920	34	national	national	ADJ
cblr-1739	920	35	urban	urban	PROPN
cblr-1739	920	36	league	league	PROPN
cblr-1739	920	37	,	,	PUNCT
cblr-1739	920	38	zillow	zillow	PROPN
cblr-1739	920	39	(	(	PUNCT
cblr-1739	920	40	jan	jan	PROPN
cblr-1739	920	41	.	.	PROPN
cblr-1739	920	42	15	15	NUM
cblr-1739	920	43	,	,	PUNCT
cblr-1739	920	44	2014	2014	NUM
cblr-1739	920	45	)	)	PUNCT
cblr-1739	920	46	,	,	PUNCT
cblr-1739	920	47	http://www.zillow.com/research/minority-mortgage-access-6127/	http://www.zillow.com/research/minority-mortgage-access-6127/	X
cblr-1739	921	1	[	[	X
cblr-1739	921	2	http://perma.cc/3l6q-zspt	http://perma.cc/3l6q-zspt	X
cblr-1739	921	3	]	]	X
cblr-1739	921	4	.	.	PUNCT
cblr-1739	922	1	243	243	NUM
cblr-1739	922	2	see	see	VERB
cblr-1739	922	3	danah	danah	PROPN
cblr-1739	922	4	boyd	boyd	PROPN
cblr-1739	922	5	&	&	CCONJ
cblr-1739	922	6	kate	kate	PROPN
cblr-1739	922	7	crawford	crawford	PROPN
cblr-1739	922	8	,	,	PUNCT
cblr-1739	922	9	critical	critical	ADJ
cblr-1739	922	10	questions	question	NOUN
cblr-1739	922	11	for	for	ADP
cblr-1739	922	12	big	big	ADJ
cblr-1739	922	13	data	datum	NOUN
cblr-1739	922	14	:	:	PUNCT
cblr-1739	922	15	provocations	provocation	NOUN
cblr-1739	922	16	for	for	ADP
cblr-1739	922	17	a	a	DET
cblr-1739	922	18	cultural	cultural	ADJ
cblr-1739	922	19	,	,	PUNCT
cblr-1739	922	20	technological	technological	ADJ
cblr-1739	922	21	,	,	PUNCT
cblr-1739	922	22	and	and	CCONJ
cblr-1739	922	23	scholarly	scholarly	ADJ
cblr-1739	922	24	phenomenon	phenomenon	NOUN
cblr-1739	922	25	,	,	PUNCT
cblr-1739	922	26	15	15	NUM
cblr-1739	922	27	info	info	NOUN
cblr-1739	922	28	.	.	PUNCT
cblr-1739	923	1	comm	comm	NOUN
cblr-1739	923	2	.	.	PUNCT
cblr-1739	924	1	&	&	CCONJ
cblr-1739	924	2	soc’y	soc’y	VERB
cblr-1739	924	3	662	662	NUM
cblr-1739	924	4	,	,	PUNCT
cblr-1739	924	5	668	668	NUM
cblr-1739	924	6	(	(	PUNCT
cblr-1739	924	7	2012	2012	NUM
cblr-1739	924	8	)	)	PUNCT
cblr-1739	924	9	.	.	PUNCT
cblr-1739	925	1	geslevich	geslevich	PROPN
cblr-1739	925	2	packin	packin	PROPN
cblr-1739	925	3	&	&	CCONJ
cblr-1739	925	4	lev	lev	PROPN
cblr-1739	925	5	-	-	PUNCT
cblr-1739	925	6	aretz	aretz	PROPN
cblr-1739	925	7	–	–	PUNCT
cblr-1739	925	8	final	final	ADJ
cblr-1739	925	9	404	404	NUM
cblr-1739	925	10	columbia	columbia	PROPN
cblr-1739	925	11	business	business	NOUN
cblr-1739	925	12	law	law	PROPN
cblr-1739	925	13	review	review	NOUN
cblr-1739	926	1	[	[	X
cblr-1739	926	2	vol	vol	NOUN
cblr-1739	926	3	.	.	NOUN
cblr-1739	926	4	2016	2016	NUM
cblr-1739	926	5	mirror	mirror	VERB
cblr-1739	926	6	the	the	DET
cblr-1739	926	7	widespread	widespread	ADJ
cblr-1739	926	8	biases	bias	NOUN
cblr-1739	926	9	that	that	PRON
cblr-1739	926	10	persist	persist	VERB
cblr-1739	926	11	in	in	ADP
cblr-1739	926	12	society.244	society.244	NOUN
cblr-1739	926	13	this	this	PRON
cblr-1739	926	14	is	be	AUX
cblr-1739	926	15	especially	especially	ADV
cblr-1739	926	16	true	true	ADJ
cblr-1739	926	17	for	for	ADP
cblr-1739	926	18	collection	collection	NOUN
cblr-1739	926	19	of	of	ADP
cblr-1739	926	20	social	social	ADJ
cblr-1739	926	21	information	information	NOUN
cblr-1739	926	22	:	:	PUNCT
cblr-1739	926	23	many	many	ADJ
cblr-1739	926	24	individuals	individual	NOUN
cblr-1739	926	25	live	live	VERB
cblr-1739	926	26	full	full	ADJ
cblr-1739	926	27	lives	life	NOUN
cblr-1739	926	28	outside	outside	ADP
cblr-1739	926	29	the	the	DET
cblr-1739	926	30	social	social	ADJ
cblr-1739	926	31	networking	network	VERB
cblr-1739	926	32	realm	realm	NOUN
cblr-1739	926	33	,	,	PUNCT
cblr-1739	926	34	and	and	CCONJ
cblr-1739	926	35	even	even	ADV
cblr-1739	926	36	those	those	PRON
cblr-1739	926	37	who	who	PRON
cblr-1739	926	38	perform	perform	VERB
cblr-1739	926	39	online	online	ADJ
cblr-1739	926	40	/	/	SYM
cblr-1739	926	41	offline	offline	ADJ
cblr-1739	926	42	social	social	ADJ
cblr-1739	926	43	dualism	dualism	NOUN
cblr-1739	926	44	do	do	AUX
cblr-1739	926	45	not	not	PART
cblr-1739	926	46	exhibit	exhibit	VERB
cblr-1739	926	47	equal	equal	ADJ
cblr-1739	926	48	qualitative	qualitative	NOUN
cblr-1739	926	49	and	and	CCONJ
cblr-1739	926	50	quantitative	quantitative	ADJ
cblr-1739	926	51	practices	practice	NOUN
cblr-1739	926	52	of	of	ADP
cblr-1739	926	53	information	information	NOUN
cblr-1739	926	54	sharing.245	sharing.245	PROPN
cblr-1739	926	55	data	data	NOUN
cblr-1739	926	56	sets	set	NOUN
cblr-1739	926	57	can	can	AUX
cblr-1739	926	58	also	also	ADV
cblr-1739	926	59	be	be	AUX
cblr-1739	926	60	manipulated	manipulate	VERB
cblr-1739	926	61	or	or	CCONJ
cblr-1739	926	62	limited,246	limited,246	ADV
cblr-1739	926	63	and	and	CCONJ
cblr-1739	926	64	due	due	ADP
cblr-1739	926	65	to	to	ADP
cblr-1739	926	66	their	their	PRON
cblr-1739	926	67	magnitude	magnitude	NOUN
cblr-1739	926	68	they	they	PRON
cblr-1739	926	69	also	also	ADV
cblr-1739	926	70	run	run	VERB
cblr-1739	926	71	the	the	DET
cblr-1739	926	72	risk	risk	NOUN
cblr-1739	926	73	of	of	ADP
cblr-1739	926	74	finding	find	VERB
cblr-1739	926	75	bogus	bogus	ADJ
cblr-1739	926	76	correlations	correlation	NOUN
cblr-1739	926	77	in	in	ADP
cblr-1739	926	78	which	which	PRON
cblr-1739	926	79	the	the	DET
cblr-1739	926	80	statistical	statistical	ADJ
cblr-1739	926	81	significance	significance	NOUN
cblr-1739	926	82	belies	belie	VERB
cblr-1739	926	83	the	the	DET
cblr-1739	926	84	lack	lack	NOUN
cblr-1739	926	85	of	of	ADP
cblr-1739	926	86	a	a	DET
cblr-1739	926	87	meaningful	meaningful	ADJ
cblr-1739	926	88	connection	connection	NOUN
cblr-1739	926	89	between	between	ADP
cblr-1739	926	90	the	the	DET
cblr-1739	926	91	variables.247	variables.247	NOUN
cblr-1739	926	92	the	the	DET
cblr-1739	926	93	ground	ground	NOUN
cblr-1739	926	94	for	for	ADP
cblr-1739	926	95	errors	error	NOUN
cblr-1739	926	96	and	and	CCONJ
cblr-1739	926	97	bias	bias	NOUN
cblr-1739	926	98	continues	continue	VERB
cblr-1739	926	99	from	from	ADP
cblr-1739	926	100	the	the	DET
cblr-1739	926	101	data	datum	NOUN
cblr-1739	926	102	collection	collection	NOUN
cblr-1739	926	103	phase	phase	NOUN
cblr-1739	926	104	to	to	ADP
cblr-1739	926	105	the	the	DET
cblr-1739	926	106	design	design	NOUN
cblr-1739	926	107	of	of	ADP
cblr-1739	926	108	the	the	DET
cblr-1739	926	109	algorithm	algorithm	NOUN
cblr-1739	926	110	.	.	PUNCT
cblr-1739	927	1	indeed	indeed	ADV
cblr-1739	927	2	,	,	PUNCT
cblr-1739	927	3	in	in	ADP
cblr-1739	927	4	theory	theory	NOUN
cblr-1739	927	5	and	and	CCONJ
cblr-1739	927	6	practice	practice	NOUN
cblr-1739	927	7	,	,	PUNCT
cblr-1739	927	8	big	big	ADJ
cblr-1739	927	9	data	datum	NOUN
cblr-1739	927	10	digitally	digitally	ADV
cblr-1739	927	11	transforms	transform	VERB
cblr-1739	927	12	cultural	cultural	ADJ
cblr-1739	927	13	clichés	clichés	ADJ
cblr-1739	927	14	and	and	CCONJ
cblr-1739	927	15	stereotypes	stereotype	NOUN
cblr-1739	927	16	into	into	ADP
cblr-1739	927	17	empirically	empirically	ADV
cblr-1739	927	18	certifiable	certifiable	ADJ
cblr-1739	927	19	data	datum	NOUN
cblr-1739	927	20	sets.248	sets.248	VERB
cblr-1739	927	21	some	some	DET
cblr-1739	927	22	discriminatory	discriminatory	ADJ
cblr-1739	927	23	measures	measure	NOUN
cblr-1739	927	24	are	be	AUX
cblr-1739	927	25	obvious	obvious	ADJ
cblr-1739	927	26	.	.	PUNCT
cblr-1739	928	1	zip	zip	NOUN
cblr-1739	928	2	codes	code	NOUN
cblr-1739	928	3	,	,	PUNCT
cblr-1739	928	4	for	for	ADP
cblr-1739	928	5	example	example	NOUN
cblr-1739	928	6	,	,	PUNCT
cblr-1739	928	7	are	be	AUX
cblr-1739	928	8	notoriously	notoriously	ADV
cblr-1739	928	9	known	know	VERB
cblr-1739	928	10	to	to	PART
cblr-1739	928	11	signal	signal	VERB
cblr-1739	928	12	race	race	NOUN
cblr-1739	928	13	,	,	PUNCT
cblr-1739	928	14	but	but	CCONJ
cblr-1739	928	15	others	other	NOUN
cblr-1739	928	16	are	be	AUX
cblr-1739	928	17	more	more	ADV
cblr-1739	928	18	nuanced	nuanced	ADJ
cblr-1739	928	19	and	and	CCONJ
cblr-1739	928	20	can	can	AUX
cblr-1739	928	21	be	be	AUX
cblr-1739	928	22	effectively	effectively	ADV
cblr-1739	928	23	disguised	disguise	VERB
cblr-1739	928	24	behind	behind	ADP
cblr-1739	928	25	numerous	numerous	ADJ
cblr-1739	928	26	masks	mask	NOUN
cblr-1739	928	27	and	and	CCONJ
cblr-1739	928	28	proxies.249	proxies.249	PROPN
cblr-1739	928	29	recent	recent	ADJ
cblr-1739	928	30	studies	study	NOUN
cblr-1739	928	31	also	also	ADV
cblr-1739	928	32	found	find	VERB
cblr-1739	928	33	that	that	SCONJ
cblr-1739	928	34	the	the	DET
cblr-1739	928	35	choice	choice	NOUN
cblr-1739	928	36	between	between	ADP
cblr-1739	928	37	mobile	mobile	NOUN
cblr-1739	928	38	and	and	CCONJ
cblr-1739	928	39	web	web	NOUN
cblr-1739	928	40	browsing	browsing	NOUN
cblr-1739	928	41	could	could	AUX
cblr-1739	928	42	also	also	ADV
cblr-1739	928	43	indicate	indicate	VERB
cblr-1739	928	44	racial	racial	ADJ
cblr-1739	928	45	identity	identity	NOUN
cblr-1739	928	46	as	as	SCONJ
cblr-1739	928	47	african	african	ADJ
cblr-1739	928	48	-	-	PUNCT
cblr-1739	928	49	americans	americans	PROPN
cblr-1739	928	50	and	and	CCONJ
cblr-1739	928	51	latinos	latino	NOUN
cblr-1739	928	52	were	be	AUX
cblr-1739	928	53	far	far	ADV
cblr-1739	928	54	more	more	ADV
cblr-1739	928	55	likely	likely	ADJ
cblr-1739	928	56	to	to	PART
cblr-1739	928	57	244	244	NUM
cblr-1739	928	58	see	see	VERB
cblr-1739	928	59	solon	solon	PROPN
cblr-1739	928	60	barocas	barocas	PROPN
cblr-1739	928	61	&	&	CCONJ
cblr-1739	928	62	andrew	andrew	PROPN
cblr-1739	928	63	d.	d.	PROPN
cblr-1739	928	64	selbst	selbst	PROPN
cblr-1739	928	65	,	,	PUNCT
cblr-1739	928	66	big	big	PROPN
cblr-1739	928	67	data	datum	NOUN
cblr-1739	928	68	’s	’s	PART
cblr-1739	928	69	disparate	disparate	ADJ
cblr-1739	928	70	impact	impact	NOUN
cblr-1739	928	71	,	,	PUNCT
cblr-1739	928	72	104	104	NUM
cblr-1739	928	73	calif	calif	PROPN
cblr-1739	928	74	.	.	PUNCT
cblr-1739	929	1	l.	l.	PROPN
cblr-1739	929	2	rev	rev	PROPN
cblr-1739	929	3	.	.	PUNCT
cblr-1739	930	1	(	(	PUNCT
cblr-1739	930	2	forthcoming	forthcoming	ADJ
cblr-1739	930	3	feb	feb	PROPN
cblr-1739	930	4	.	.	PROPN
cblr-1739	930	5	2016	2016	NUM
cblr-1739	930	6	)	)	PUNCT
cblr-1739	930	7	,	,	PUNCT
cblr-1739	931	1	http://papers.ssrn.com/	http://papers.ssrn.com/	ADJ
cblr-1739	931	2	sol3	sol3	NOUN
cblr-1739	931	3	/	/	SYM
cblr-1739	931	4	papers.cfm?abstract_id=2477899	papers.cfm?abstract_id=2477899	NOUN
cblr-1739	932	1	[	[	X
cblr-1739	932	2	http://perma.cc/j6nj-vglz	http://perma.cc/j6nj-vglz	X
cblr-1739	932	3	]	]	X
cblr-1739	932	4	.	.	PUNCT
cblr-1739	933	1	245	245	NUM
cblr-1739	933	2	see	see	VERB
cblr-1739	933	3	rick	rick	PROPN
cblr-1739	933	4	swedloff	swedloff	PROPN
cblr-1739	933	5	,	,	PUNCT
cblr-1739	933	6	risk	risk	NOUN
cblr-1739	933	7	classification	classification	NOUN
cblr-1739	933	8	's	's	PART
cblr-1739	933	9	big	big	ADJ
cblr-1739	933	10	data	datum	NOUN
cblr-1739	933	11	(	(	PUNCT
cblr-1739	933	12	r)evolution	r)evolution	NOUN
cblr-1739	933	13	,	,	PUNCT
cblr-1739	933	14	21	21	NUM
cblr-1739	933	15	conn	conn	PROPN
cblr-1739	933	16	.	.	PUNCT
cblr-1739	933	17	ins	ins	PROPN
cblr-1739	933	18	.	.	PUNCT
cblr-1739	934	1	l.j	l.j	PROPN
cblr-1739	934	2	.	.	PROPN
cblr-1739	934	3	339	339	NUM
cblr-1739	934	4	,	,	PUNCT
cblr-1739	934	5	355	355	NUM
cblr-1739	934	6	(	(	PUNCT
cblr-1739	934	7	2015	2015	NUM
cblr-1739	934	8	)	)	PUNCT
cblr-1739	934	9	;	;	PUNCT
cblr-1739	934	10	see	see	VERB
cblr-1739	934	11	also	also	ADV
cblr-1739	934	12	boyd	boyd	PROPN
cblr-1739	934	13	&	&	CCONJ
cblr-1739	934	14	crawford	crawford	PROPN
cblr-1739	934	15	,	,	PUNCT
cblr-1739	934	16	supra	supra	PROPN
cblr-1739	934	17	note	note	PROPN
cblr-1739	934	18	243	243	NUM
cblr-1739	934	19	,	,	PUNCT
cblr-1739	934	20	at	at	ADP
cblr-1739	934	21	669	669	NUM
cblr-1739	934	22	(	(	PUNCT
cblr-1739	934	23	“	"	PUNCT
cblr-1739	934	24	twitter	twitter	NOUN
cblr-1739	934	25	does	do	AUX
cblr-1739	934	26	not	not	PART
cblr-1739	934	27	represent	represent	VERB
cblr-1739	934	28	‘	'	PUNCT
cblr-1739	934	29	all	all	DET
cblr-1739	934	30	people	people	NOUN
cblr-1739	934	31	’	'	PUNCT
cblr-1739	934	32	,	,	PUNCT
cblr-1739	934	33	and	and	CCONJ
cblr-1739	934	34	it	it	PRON
cblr-1739	934	35	is	be	AUX
cblr-1739	934	36	an	an	DET
cblr-1739	934	37	error	error	NOUN
cblr-1739	934	38	to	to	PART
cblr-1739	934	39	assume	assume	VERB
cblr-1739	934	40	‘	'	PUNCT
cblr-1739	934	41	people	people	NOUN
cblr-1739	934	42	’	'	PUNCT
cblr-1739	934	43	and	and	CCONJ
cblr-1739	934	44	‘	'	PUNCT
cblr-1739	934	45	twitter	twitter	NOUN
cblr-1739	934	46	users	user	NOUN
cblr-1739	934	47	’	'	PUNCT
cblr-1739	934	48	are	be	AUX
cblr-1739	934	49	synonymous	synonymous	ADJ
cblr-1739	934	50	:	:	PUNCT
cblr-1739	934	51	they	they	PRON
cblr-1739	934	52	are	be	AUX
cblr-1739	934	53	a	a	DET
cblr-1739	934	54	very	very	ADV
cblr-1739	934	55	particular	particular	ADJ
cblr-1739	934	56	sub	sub	ADJ
cblr-1739	934	57	-	-	ADJ
cblr-1739	934	58	set	set	ADJ
cblr-1739	934	59	.	.	PUNCT
cblr-1739	935	1	neither	neither	PRON
cblr-1739	935	2	is	be	AUX
cblr-1739	935	3	the	the	DET
cblr-1739	935	4	population	population	NOUN
cblr-1739	935	5	using	use	VERB
cblr-1739	935	6	twitter	twitter	NOUN
cblr-1739	935	7	representative	representative	NOUN
cblr-1739	935	8	of	of	ADP
cblr-1739	935	9	the	the	DET
cblr-1739	935	10	global	global	ADJ
cblr-1739	935	11	population	population	NOUN
cblr-1739	935	12	.	.	PUNCT
cblr-1739	936	1	nor	nor	CCONJ
cblr-1739	936	2	can	can	AUX
cblr-1739	936	3	we	we	PRON
cblr-1739	936	4	assume	assume	VERB
cblr-1739	936	5	that	that	SCONJ
cblr-1739	936	6	accounts	account	NOUN
cblr-1739	936	7	and	and	CCONJ
cblr-1739	936	8	users	user	NOUN
cblr-1739	936	9	are	be	AUX
cblr-1739	936	10	equivalent	equivalent	ADJ
cblr-1739	936	11	.	.	PUNCT
cblr-1739	936	12	”	"	PUNCT
cblr-1739	936	13	)	)	PUNCT
cblr-1739	936	14	.	.	PUNCT
cblr-1739	937	1	246	246	NUM
cblr-1739	937	2	see	see	VERB
cblr-1739	937	3	swedloff	swedloff	NOUN
cblr-1739	937	4	,	,	PUNCT
cblr-1739	937	5	supra	supra	PROPN
cblr-1739	937	6	note	note	NOUN
cblr-1739	937	7	245	245	NUM
cblr-1739	937	8	;	;	PUNCT
cblr-1739	937	9	boyd	boyd	PROPN
cblr-1739	937	10	&	&	CCONJ
cblr-1739	937	11	crawford	crawford	PROPN
cblr-1739	937	12	,	,	PUNCT
cblr-1739	937	13	supra	supra	PROPN
cblr-1739	937	14	note	note	PROPN
cblr-1739	937	15	243	243	NUM
cblr-1739	937	16	.	.	NOUN
cblr-1739	937	17	247	247	NUM
cblr-1739	937	18	see	see	NOUN
cblr-1739	937	19	boyd	boyd	PROPN
cblr-1739	937	20	&	&	CCONJ
cblr-1739	937	21	crawford	crawford	PROPN
cblr-1739	937	22	,	,	PUNCT
cblr-1739	937	23	supra	supra	PROPN
cblr-1739	937	24	note	note	PROPN
cblr-1739	937	25	243	243	NUM
cblr-1739	937	26	;	;	PUNCT
cblr-1739	937	27	see	see	VERB
cblr-1739	937	28	also	also	ADV
cblr-1739	937	29	gary	gary	PROPN
cblr-1739	937	30	marcus	marcus	PROPN
cblr-1739	937	31	&	&	CCONJ
cblr-1739	937	32	ernest	ernest	PROPN
cblr-1739	937	33	davis	davis	PROPN
cblr-1739	937	34	,	,	PUNCT
cblr-1739	937	35	eight	eight	NUM
cblr-1739	937	36	(	(	PUNCT
cblr-1739	937	37	no	no	INTJ
cblr-1739	937	38	,	,	PUNCT
cblr-1739	937	39	nine	nine	NUM
cblr-1739	937	40	!	!	PUNCT
cblr-1739	937	41	)	)	PUNCT
cblr-1739	938	1	problems	problem	NOUN
cblr-1739	938	2	with	with	ADP
cblr-1739	938	3	big	big	ADJ
cblr-1739	938	4	data	data	PROPN
cblr-1739	938	5	,	,	PUNCT
cblr-1739	938	6	n.y	n.y	PROPN
cblr-1739	938	7	.	.	PROPN
cblr-1739	938	8	times	times	PROPN
cblr-1739	938	9	(	(	PUNCT
cblr-1739	938	10	apr	apr	PROPN
cblr-1739	938	11	.	.	PROPN
cblr-1739	938	12	6	6	NUM
cblr-1739	938	13	,	,	PUNCT
cblr-1739	938	14	2014	2014	NUM
cblr-1739	938	15	)	)	PUNCT
cblr-1739	938	16	,	,	PUNCT
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cblr-1739	939	1	lems-with-big-data.html?_r=0	lems-with-big-data.html?_r=0	PROPN
cblr-1739	940	1	[	[	X
cblr-1739	940	2	http://perma.cc/qlj9-jn7u	http://perma.cc/qlj9-jn7u	X
cblr-1739	940	3	]	]	X
cblr-1739	940	4	.	.	PUNCT
cblr-1739	941	1	248	248	NUM
cblr-1739	941	2	michael	michael	PROPN
cblr-1739	941	3	schrage	schrage	NOUN
cblr-1739	941	4	,	,	PUNCT
cblr-1739	941	5	big	big	ADJ
cblr-1739	941	6	data	datum	NOUN
cblr-1739	941	7	’s	’s	PART
cblr-1739	941	8	dangerous	dangerous	ADJ
cblr-1739	941	9	new	new	ADJ
cblr-1739	941	10	era	era	NOUN
cblr-1739	941	11	of	of	ADP
cblr-1739	941	12	discrimination	discrimination	NOUN
cblr-1739	941	13	,	,	PUNCT
cblr-1739	941	14	harv	harv	NOUN
cblr-1739	941	15	.	.	PUNCT
cblr-1739	942	1	bus	bus	NOUN
cblr-1739	942	2	.	.	PUNCT
cblr-1739	943	1	rev	rev	PROPN
cblr-1739	943	2	.	.	PUNCT
cblr-1739	944	1	(	(	PUNCT
cblr-1739	944	2	jan	jan	PROPN
cblr-1739	944	3	.	.	PROPN
cblr-1739	944	4	29	29	NUM
cblr-1739	944	5	,	,	PUNCT
cblr-1739	944	6	2014	2014	NUM
cblr-1739	944	7	)	)	PUNCT
cblr-1739	944	8	,	,	PUNCT
cblr-1739	944	9	https://hbr.org/2014/01/	https://hbr.org/2014/01/	NUM
cblr-1739	944	10	big	big	ADJ
cblr-1739	944	11	-	-	PUNCT
cblr-1739	944	12	datas	data	NOUN
cblr-1739	944	13	-	-	PUNCT
cblr-1739	944	14	dangerous	dangerous	ADJ
cblr-1739	944	15	-	-	PUNCT
cblr-1739	944	16	new	new	ADJ
cblr-1739	944	17	-	-	PUNCT
cblr-1739	944	18	era	era	NOUN
cblr-1739	944	19	-	-	PUNCT
cblr-1739	944	20	of	of	ADP
cblr-1739	944	21	-	-	PUNCT
cblr-1739	944	22	discrimination/	discrimination/	NOUN
cblr-1739	944	23	[	[	X
cblr-1739	944	24	http://perma.cc/hd2fl4vx	http://perma.cc/hd2fl4vx	NOUN
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cblr-1739	944	26	.	.	PUNCT
cblr-1739	945	1	249	249	NUM
cblr-1739	945	2	tene	tene	NOUN
cblr-1739	945	3	&	&	CCONJ
cblr-1739	945	4	polonetsky	polonetsky	PROPN
cblr-1739	945	5	,	,	PUNCT
cblr-1739	945	6	supra	supra	PROPN
cblr-1739	945	7	note	note	NOUN
cblr-1739	945	8	199	199	NUM
cblr-1739	945	9	,	,	PUNCT
cblr-1739	945	10	at	at	ADP
cblr-1739	945	11	985	985	NUM
cblr-1739	945	12	.	.	PUNCT
cblr-1739	946	1	geslevich	geslevich	PROPN
cblr-1739	946	2	packin	packin	PROPN
cblr-1739	946	3	&	&	CCONJ
cblr-1739	946	4	lev	lev	PROPN
cblr-1739	946	5	-	-	PUNCT
cblr-1739	946	6	aretz	aretz	PROPN
cblr-1739	946	7	–	–	PUNCT
cblr-1739	946	8	final	final	ADJ
cblr-1739	946	9	no	no	NOUN
cblr-1739	946	10	.	.	PUNCT
cblr-1739	947	1	2:339	2:339	NUM
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cblr-1739	947	3	on	on	ADP
cblr-1739	947	4	social	social	ADJ
cblr-1739	947	5	credit	credit	NOUN
cblr-1739	947	6	405	405	NUM
cblr-1739	947	7	access	access	NOUN
cblr-1739	947	8	bank	bank	NOUN
cblr-1739	947	9	accounts	account	NOUN
cblr-1739	947	10	using	use	VERB
cblr-1739	947	11	a	a	DET
cblr-1739	947	12	mobile	mobile	ADJ
cblr-1739	947	13	phone.250	phone.250	NOUN
cblr-1739	948	1	but	but	CCONJ
cblr-1739	948	2	even	even	ADV
cblr-1739	948	3	if	if	SCONJ
cblr-1739	948	4	the	the	DET
cblr-1739	948	5	initial	initial	ADJ
cblr-1739	948	6	design	design	NOUN
cblr-1739	948	7	lacks	lack	VERB
cblr-1739	948	8	discriminatory	discriminatory	ADJ
cblr-1739	948	9	intent	intent	NOUN
cblr-1739	948	10	,	,	PUNCT
cblr-1739	948	11	the	the	DET
cblr-1739	948	12	interpretation	interpretation	NOUN
cblr-1739	948	13	of	of	ADP
cblr-1739	948	14	the	the	DET
cblr-1739	948	15	data	datum	NOUN
cblr-1739	948	16	,	,	PUNCT
cblr-1739	948	17	which	which	PRON
cblr-1739	948	18	lies	lie	VERB
cblr-1739	948	19	at	at	ADP
cblr-1739	948	20	the	the	DET
cblr-1739	948	21	heart	heart	NOUN
cblr-1739	948	22	of	of	ADP
cblr-1739	948	23	this	this	DET
cblr-1739	948	24	technology	technology	NOUN
cblr-1739	948	25	,	,	PUNCT
cblr-1739	948	26	is	be	AUX
cblr-1739	948	27	susceptible	susceptible	ADJ
cblr-1739	948	28	to	to	ADP
cblr-1739	948	29	limitation	limitation	NOUN
cblr-1739	948	30	and	and	CCONJ
cblr-1739	948	31	bias.251	bias.251	NOUN
cblr-1739	948	32	indeed	indeed	ADV
cblr-1739	948	33	,	,	PUNCT
cblr-1739	948	34	algorithms	algorithm	NOUN
cblr-1739	948	35	are	be	AUX
cblr-1739	948	36	prone	prone	ADJ
cblr-1739	948	37	to	to	ADP
cblr-1739	948	38	the	the	DET
cblr-1739	948	39	same	same	ADJ
cblr-1739	948	40	bias	bias	NOUN
cblr-1739	948	41	their	their	PRON
cblr-1739	948	42	human	human	ADJ
cblr-1739	948	43	originators	originator	NOUN
cblr-1739	948	44	suffer	suffer	VERB
cblr-1739	948	45	from	from	ADP
cblr-1739	948	46	:	:	PUNCT
cblr-1739	948	47	credit	credit	NOUN
cblr-1739	948	48	scores	score	NOUN
cblr-1739	948	49	are	be	AUX
cblr-1739	948	50	only	only	ADV
cblr-1739	948	51	as	as	ADV
cblr-1739	948	52	free	free	ADJ
cblr-1739	948	53	from	from	ADP
cblr-1739	948	54	bias	bias	NOUN
cblr-1739	948	55	as	as	ADP
cblr-1739	948	56	the	the	DET
cblr-1739	948	57	software	software	NOUN
cblr-1739	948	58	and	and	CCONJ
cblr-1739	948	59	data	datum	NOUN
cblr-1739	948	60	behind	behind	ADP
cblr-1739	948	61	them	they	PRON
cblr-1739	948	62	.	.	PUNCT
cblr-1739	949	1	software	software	NOUN
cblr-1739	949	2	engineers	engineer	NOUN
cblr-1739	949	3	construct	construct	VERB
cblr-1739	949	4	the	the	DET
cblr-1739	949	5	datasets	dataset	NOUN
cblr-1739	949	6	mined	mine	VERB
cblr-1739	949	7	by	by	ADP
cblr-1739	949	8	scoring	scoring	NOUN
cblr-1739	949	9	systems	system	NOUN
cblr-1739	949	10	;	;	PUNCT
cblr-1739	949	11	they	they	PRON
cblr-1739	949	12	define	define	VERB
cblr-1739	949	13	the	the	DET
cblr-1739	949	14	parameters	parameter	NOUN
cblr-1739	949	15	of	of	ADP
cblr-1739	949	16	data	data	NOUN
cblr-1739	949	17	-	-	PUNCT
cblr-1739	949	18	mining	mining	NOUN
cblr-1739	949	19	analyses	analysis	NOUN
cblr-1739	949	20	;	;	PUNCT
cblr-1739	949	21	they	they	PRON
cblr-1739	949	22	create	create	VERB
cblr-1739	949	23	the	the	DET
cblr-1739	949	24	clusters	cluster	NOUN
cblr-1739	949	25	,	,	PUNCT
cblr-1739	949	26	links	link	NOUN
cblr-1739	949	27	,	,	PUNCT
cblr-1739	949	28	and	and	CCONJ
cblr-1739	949	29	decision	decision	NOUN
cblr-1739	949	30	trees	tree	NOUN
cblr-1739	949	31	applied	apply	VERB
cblr-1739	949	32	;	;	PUNCT
cblr-1739	949	33	they	they	PRON
cblr-1739	949	34	generate	generate	VERB
cblr-1739	949	35	the	the	DET
cblr-1739	949	36	predictive	predictive	ADJ
cblr-1739	949	37	models	model	NOUN
cblr-1739	949	38	applied	apply	VERB
cblr-1739	949	39	.	.	PUNCT
cblr-1739	950	1	the	the	DET
cblr-1739	950	2	biases	bias	NOUN
cblr-1739	950	3	and	and	CCONJ
cblr-1739	950	4	values	value	NOUN
cblr-1739	950	5	of	of	ADP
cblr-1739	950	6	system	system	NOUN
cblr-1739	950	7	developers	developer	NOUN
cblr-1739	950	8	and	and	CCONJ
cblr-1739	950	9	software	software	NOUN
cblr-1739	950	10	programmers	programmer	NOUN
cblr-1739	950	11	are	be	AUX
cblr-1739	950	12	embedded	embed	VERB
cblr-1739	950	13	into	into	ADP
cblr-1739	950	14	each	each	DET
cblr-1739	950	15	and	and	CCONJ
cblr-1739	950	16	every	every	PRON
cblr-1739	950	17	step	step	NOUN
cblr-1739	950	18	of	of	ADP
cblr-1739	950	19	development.252	development.252	NOUN
cblr-1739	950	20	even	even	ADV
cblr-1739	950	21	if	if	SCONJ
cblr-1739	950	22	we	we	PRON
cblr-1739	950	23	assume	assume	VERB
cblr-1739	950	24	that	that	SCONJ
cblr-1739	950	25	both	both	CCONJ
cblr-1739	950	26	the	the	DET
cblr-1739	950	27	mined	mine	VERB
cblr-1739	950	28	data	datum	NOUN
cblr-1739	950	29	and	and	CCONJ
cblr-1739	950	30	the	the	DET
cblr-1739	950	31	algorithms	algorithm	NOUN
cblr-1739	950	32	are	be	AUX
cblr-1739	950	33	as	as	ADV
cblr-1739	950	34	neutral	neutral	ADJ
cblr-1739	950	35	as	as	ADP
cblr-1739	950	36	possible	possible	ADJ
cblr-1739	950	37	,	,	PUNCT
cblr-1739	950	38	the	the	DET
cblr-1739	950	39	latter	latter	ADJ
cblr-1739	950	40	is	be	AUX
cblr-1739	950	41	designed	design	VERB
cblr-1739	950	42	to	to	PART
cblr-1739	950	43	find	find	VERB
cblr-1739	950	44	trends	trend	NOUN
cblr-1739	950	45	in	in	ADP
cblr-1739	950	46	the	the	DET
cblr-1739	950	47	data	datum	NOUN
cblr-1739	950	48	and	and	CCONJ
cblr-1739	950	49	learn	learn	VERB
cblr-1739	950	50	so	so	SCONJ
cblr-1739	950	51	it	it	PRON
cblr-1739	950	52	can	can	AUX
cblr-1739	950	53	improve	improve	VERB
cblr-1739	950	54	in	in	ADP
cblr-1739	950	55	performance	performance	NOUN
cblr-1739	950	56	over	over	ADP
cblr-1739	950	57	time	time	NOUN
cblr-1739	950	58	(	(	PUNCT
cblr-1739	950	59	also	also	ADV
cblr-1739	950	60	known	know	VERB
cblr-1739	950	61	as	as	ADP
cblr-1739	950	62	“	"	PUNCT
cblr-1739	950	63	unsupervised	unsupervised	ADJ
cblr-1739	950	64	machine	machine	NOUN
cblr-1739	950	65	learning”).253	learning”).253	VERB
cblr-1739	951	1	the	the	DET
cblr-1739	951	2	learning	learning	NOUN
cblr-1739	951	3	algorithm	algorithm	NOUN
cblr-1739	951	4	is	be	AUX
cblr-1739	951	5	devised	devise	VERB
cblr-1739	951	6	to	to	PART
cblr-1739	951	7	identify	identify	VERB
cblr-1739	951	8	general	general	ADJ
cblr-1739	951	9	statistical	statistical	ADJ
cblr-1739	951	10	patterns	pattern	NOUN
cblr-1739	951	11	in	in	ADP
cblr-1739	951	12	the	the	DET
cblr-1739	951	13	data	datum	NOUN
cblr-1739	951	14	that	that	PRON
cblr-1739	951	15	are	be	AUX
cblr-1739	951	16	not	not	PART
cblr-1739	951	17	specifically	specifically	ADV
cblr-1739	951	18	related	relate	VERB
cblr-1739	951	19	to	to	ADP
cblr-1739	951	20	some	some	DET
cblr-1739	951	21	state	state	NOUN
cblr-1739	951	22	or	or	CCONJ
cblr-1739	951	23	outcome	outcome	NOUN
cblr-1739	951	24	,	,	PUNCT
cblr-1739	951	25	inferring	infer	VERB
cblr-1739	951	26	absent	absent	ADJ
cblr-1739	951	27	attributes	attribute	NOUN
cblr-1739	951	28	from	from	ADP
cblr-1739	951	29	those	those	PRON
cblr-1739	951	30	that	that	PRON
cblr-1739	951	31	are	be	AUX
cblr-1739	951	32	present.254	present.254	NOUN
cblr-1739	951	33	variables	variable	NOUN
cblr-1739	951	34	like	like	ADP
cblr-1739	951	35	race	race	NOUN
cblr-1739	951	36	and	and	CCONJ
cblr-1739	951	37	gender	gender	NOUN
cblr-1739	951	38	are	be	AUX
cblr-1739	951	39	commonly	commonly	ADV
cblr-1739	951	40	concealed	conceal	VERB
cblr-1739	951	41	in	in	ADP
cblr-1739	951	42	the	the	DET
cblr-1739	951	43	observed	observe	VERB
cblr-1739	951	44	attributes	attribute	NOUN
cblr-1739	951	45	because	because	SCONJ
cblr-1739	951	46	they	they	PRON
cblr-1739	951	47	are	be	AUX
cblr-1739	951	48	typically	typically	ADV
cblr-1739	951	49	explicitly	explicitly	ADV
cblr-1739	951	50	or	or	CCONJ
cblr-1739	951	51	implicitly	implicitly	ADV
cblr-1739	951	52	encoded	encode	VERB
cblr-1739	951	53	in	in	ADP
cblr-1739	951	54	rich	rich	ADJ
cblr-1739	951	55	data	data	NOUN
cblr-1739	951	56	sets	set	NOUN
cblr-1739	951	57	.	.	PUNCT
cblr-1739	952	1	still	still	ADV
cblr-1739	952	2	,	,	PUNCT
cblr-1739	952	3	the	the	DET
cblr-1739	952	4	learning	learning	NOUN
cblr-1739	952	5	algorithm	algorithm	NOUN
cblr-1739	952	6	is	be	AUX
cblr-1739	952	7	250	250	NUM
cblr-1739	952	8	alloway	alloway	PROPN
cblr-1739	952	9	,	,	PUNCT
cblr-1739	952	10	supra	supra	PROPN
cblr-1739	952	11	note	note	NOUN
cblr-1739	952	12	9	9	NUM
cblr-1739	952	13	.	.	NOUN
cblr-1739	952	14	251	251	NUM
cblr-1739	952	15	danah	danah	PROPN
cblr-1739	952	16	boyd	boyd	PROPN
cblr-1739	952	17	&	&	CCONJ
cblr-1739	952	18	kate	kate	PROPN
cblr-1739	952	19	crawford	crawford	PROPN
cblr-1739	952	20	,	,	PUNCT
cblr-1739	952	21	six	six	NUM
cblr-1739	952	22	provocations	provocation	NOUN
cblr-1739	952	23	for	for	ADP
cblr-1739	952	24	big	big	ADJ
cblr-1739	952	25	data	datum	NOUN
cblr-1739	952	26	,	,	PUNCT
cblr-1739	952	27	a	a	DET
cblr-1739	952	28	decade	decade	NOUN
cblr-1739	952	29	in	in	ADP
cblr-1739	952	30	internet	internet	NOUN
cblr-1739	952	31	time	time	NOUN
cblr-1739	952	32	:	:	PUNCT
cblr-1739	952	33	symposium	symposium	NOUN
cblr-1739	952	34	on	on	ADP
cblr-1739	952	35	the	the	DET
cblr-1739	952	36	dynamics	dynamic	NOUN
cblr-1739	952	37	of	of	ADP
cblr-1739	952	38	the	the	DET
cblr-1739	952	39	internet	internet	NOUN
cblr-1739	952	40	and	and	CCONJ
cblr-1739	952	41	society	society	NOUN
cblr-1739	952	42	(	(	PUNCT
cblr-1739	952	43	sept	sept	PROPN
cblr-1739	952	44	.	.	PROPN
cblr-1739	952	45	2011	2011	NUM
cblr-1739	952	46	)	)	PUNCT
cblr-1739	952	47	,	,	PUNCT
cblr-1739	952	48	http://ssrn.com/abstract=1926431	http://ssrn.com/abstract=1926431	NOUN
cblr-1739	952	49	or	or	CCONJ
cblr-1739	952	50	http://	http://	PROPN
cblr-1739	952	51	dx.doi.org/10.2139/ssrn.1926431	dx.doi.org/10.2139/ssrn.1926431	PROPN
cblr-1739	953	1	[	[	X
cblr-1739	953	2	http://perma.cc/ugn3-smxb	http://perma.cc/ugn3-smxb	PROPN
cblr-1739	953	3	]	]	PUNCT
cblr-1739	953	4	.	.	PUNCT
cblr-1739	954	1	252	252	NUM
cblr-1739	954	2	citron	citron	NOUN
cblr-1739	954	3	&	&	CCONJ
cblr-1739	954	4	pasquale	pasquale	PROPN
cblr-1739	954	5	,	,	PUNCT
cblr-1739	954	6	supra	supra	PROPN
cblr-1739	954	7	note	note	PROPN
cblr-1739	954	8	27	27	NUM
cblr-1739	954	9	,	,	PUNCT
cblr-1739	954	10	at	at	ADP
cblr-1739	954	11	13–14	13–14	NUM
cblr-1739	954	12	.	.	PUNCT
cblr-1739	955	1	253	253	NUM
cblr-1739	955	2	see	see	VERB
cblr-1739	955	3	peter	peter	PROPN
cblr-1739	955	4	flach	flach	PROPN
cblr-1739	955	5	,	,	PUNCT
cblr-1739	955	6	machine	machine	NOUN
cblr-1739	955	7	learning	learning	NOUN
cblr-1739	955	8	:	:	PUNCT
cblr-1739	955	9	the	the	DET
cblr-1739	955	10	art	art	NOUN
cblr-1739	955	11	and	and	CCONJ
cblr-1739	955	12	science	science	NOUN
cblr-1739	955	13	of	of	ADP
cblr-1739	955	14	algorithms	algorithm	NOUN
cblr-1739	955	15	that	that	PRON
cblr-1739	955	16	make	make	VERB
cblr-1739	955	17	sense	sense	NOUN
cblr-1739	955	18	of	of	ADP
cblr-1739	955	19	data	datum	NOUN
cblr-1739	955	20	3	3	NUM
cblr-1739	955	21	(	(	PUNCT
cblr-1739	955	22	2012	2012	NUM
cblr-1739	955	23	)	)	PUNCT
cblr-1739	955	24	;	;	PUNCT
cblr-1739	955	25	see	see	VERB
cblr-1739	955	26	also	also	ADV
cblr-1739	955	27	committee	committee	VERB
cblr-1739	955	28	on	on	ADP
cblr-1739	955	29	the	the	DET
cblr-1739	955	30	analysis	analysis	NOUN
cblr-1739	955	31	of	of	ADP
cblr-1739	955	32	massive	massive	ADJ
cblr-1739	955	33	data	datum	NOUN
cblr-1739	955	34	et	et	PROPN
cblr-1739	955	35	al	al	PROPN
cblr-1739	955	36	.	.	PROPN
cblr-1739	955	37	,	,	PUNCT
cblr-1739	955	38	frontiers	frontier	NOUN
cblr-1739	955	39	in	in	ADP
cblr-1739	955	40	massive	massive	ADJ
cblr-1739	955	41	data	datum	NOUN
cblr-1739	955	42	analysis	analysis	NOUN
cblr-1739	955	43	66–69	66–69	NUM
cblr-1739	955	44	(	(	PUNCT
cblr-1739	955	45	2013	2013	NUM
cblr-1739	955	46	)	)	PUNCT
cblr-1739	955	47	,	,	PUNCT
cblr-1739	955	48	http://www.nap.edu/catalog/18374/frontiers-inmassive-data-analysis	http://www.nap.edu/catalog/18374/frontiers-inmassive-data-analysis	NOUN
cblr-1739	956	1	[	[	X
cblr-1739	956	2	http://perma.cc/hsr2-r7u6	http://perma.cc/hsr2-r7u6	PROPN
cblr-1739	956	3	]	]	PUNCT
cblr-1739	956	4	.	.	PUNCT
cblr-1739	957	1	254	254	NUM
cblr-1739	957	2	see	see	VERB
cblr-1739	957	3	i	i	PRON
cblr-1739	957	4	d.	d.	PROPN
cblr-1739	957	5	at	at	ADP
cblr-1739	957	6	101–02	101–02	PROPN
cblr-1739	957	7	.	.	PUNCT
cblr-1739	958	1	geslevich	geslevich	PROPN
cblr-1739	958	2	packin	packin	PROPN
cblr-1739	958	3	&	&	CCONJ
cblr-1739	958	4	lev	lev	PROPN
cblr-1739	958	5	-	-	PUNCT
cblr-1739	958	6	aretz	aretz	PROPN
cblr-1739	958	7	–	–	PUNCT
cblr-1739	958	8	final	final	ADJ
cblr-1739	958	9	406	406	NUM
cblr-1739	958	10	columbia	columbia	PROPN
cblr-1739	958	11	business	business	NOUN
cblr-1739	958	12	law	law	NOUN
cblr-1739	958	13	review	review	NOUN
cblr-1739	959	1	[	[	X
cblr-1739	959	2	vol	vol	NOUN
cblr-1739	959	3	.	.	PUNCT
cblr-1739	959	4	2016	2016	NUM
cblr-1739	959	5	likely	likely	ADJ
cblr-1739	959	6	to	to	PART
cblr-1739	959	7	discover	discover	VERB
cblr-1739	959	8	those	those	DET
cblr-1739	959	9	factors	factor	NOUN
cblr-1739	959	10	and	and	CCONJ
cblr-1739	959	11	lead	lead	VERB
cblr-1739	959	12	to	to	ADP
cblr-1739	959	13	less	less	ADV
cblr-1739	959	14	advantageous	advantageous	ADJ
cblr-1739	959	15	decisions	decision	NOUN
cblr-1739	959	16	for	for	ADP
cblr-1739	959	17	members	member	NOUN
cblr-1739	959	18	of	of	ADP
cblr-1739	959	19	minority	minority	NOUN
cblr-1739	959	20	groups.255	groups.255	NOUN
cblr-1739	959	21	advanced	advanced	ADJ
cblr-1739	959	22	algorithmic	algorithmic	ADJ
cblr-1739	959	23	modeling	modeling	NOUN
cblr-1739	959	24	and	and	CCONJ
cblr-1739	959	25	big	big	ADJ
cblr-1739	959	26	data	datum	NOUN
cblr-1739	959	27	can	can	AUX
cblr-1739	959	28	also	also	ADV
cblr-1739	959	29	yield	yield	VERB
cblr-1739	959	30	inferences	inference	NOUN
cblr-1739	959	31	about	about	ADP
cblr-1739	959	32	private	private	ADJ
cblr-1739	959	33	information	information	NOUN
cblr-1739	959	34	that	that	PRON
cblr-1739	959	35	may	may	AUX
cblr-1739	959	36	have	have	AUX
cblr-1739	959	37	never	never	ADV
cblr-1739	959	38	been	be	AUX
cblr-1739	959	39	disclosed	disclose	VERB
cblr-1739	959	40	to	to	ADP
cblr-1739	959	41	the	the	DET
cblr-1739	959	42	online	online	ADJ
cblr-1739	959	43	platform.256	platform.256	NOUN
cblr-1739	959	44	the	the	DET
cblr-1739	959	45	overreach	overreach	NOUN
cblr-1739	959	46	of	of	ADP
cblr-1739	959	47	data	datum	NOUN
cblr-1739	959	48	analytics	analytic	NOUN
cblr-1739	959	49	is	be	AUX
cblr-1739	959	50	often	often	ADV
cblr-1739	959	51	exemplified	exemplify	VERB
cblr-1739	959	52	by	by	ADP
cblr-1739	959	53	the	the	DET
cblr-1739	959	54	ability	ability	NOUN
cblr-1739	959	55	to	to	PART
cblr-1739	959	56	infer	infer	VERB
cblr-1739	959	57	a	a	DET
cblr-1739	959	58	fairly	fairly	ADV
cblr-1739	959	59	reliable	reliable	ADJ
cblr-1739	959	60	“	"	PUNCT
cblr-1739	959	61	profile	profile	NOUN
cblr-1739	959	62	”	"	PUNCT
cblr-1739	959	63	based	base	VERB
cblr-1739	959	64	exclusively	exclusively	ADV
cblr-1739	959	65	on	on	ADP
cblr-1739	959	66	facebook	facebook	PROPN
cblr-1739	959	67	“	"	PUNCT
cblr-1739	959	68	likes	like	NOUN
cblr-1739	959	69	.	.	PUNCT
cblr-1739	959	70	”	"	PUNCT
cblr-1739	960	1	researchers	researcher	NOUN
cblr-1739	960	2	were	be	AUX
cblr-1739	960	3	able	able	ADJ
cblr-1739	960	4	to	to	PART
cblr-1739	960	5	predict	predict	VERB
cblr-1739	960	6	with	with	ADP
cblr-1739	960	7	accuracy	accuracy	NOUN
cblr-1739	960	8	range	range	NOUN
cblr-1739	960	9	of	of	ADP
cblr-1739	960	10	eighty	eighty	NUM
cblr-1739	960	11	to	to	PART
cblr-1739	960	12	ninety	ninety	NUM
cblr-1739	960	13	percent	percent	NOUN
cblr-1739	960	14	traits	trait	NOUN
cblr-1739	960	15	such	such	ADJ
cblr-1739	960	16	as	as	ADP
cblr-1739	960	17	sexual	sexual	ADJ
cblr-1739	960	18	orientation	orientation	NOUN
cblr-1739	960	19	,	,	PUNCT
cblr-1739	960	20	ethnicity	ethnicity	NOUN
cblr-1739	960	21	,	,	PUNCT
cblr-1739	960	22	religious	religious	ADJ
cblr-1739	960	23	and	and	CCONJ
cblr-1739	960	24	political	political	ADJ
cblr-1739	960	25	views	view	NOUN
cblr-1739	960	26	,	,	PUNCT
cblr-1739	960	27	intelligence	intelligence	NOUN
cblr-1739	960	28	,	,	PUNCT
cblr-1739	960	29	happiness	happiness	NOUN
cblr-1739	960	30	,	,	PUNCT
cblr-1739	960	31	use	use	NOUN
cblr-1739	960	32	of	of	ADP
cblr-1739	960	33	addictive	addictive	ADJ
cblr-1739	960	34	substances	substance	NOUN
cblr-1739	960	35	,	,	PUNCT
cblr-1739	960	36	parental	parental	ADJ
cblr-1739	960	37	separation	separation	NOUN
cblr-1739	960	38	,	,	PUNCT
cblr-1739	960	39	age	age	NOUN
cblr-1739	960	40	,	,	PUNCT
cblr-1739	960	41	and	and	CCONJ
cblr-1739	960	42	gender.257	gender.257	NOUN
cblr-1739	960	43	inferences	inference	NOUN
cblr-1739	960	44	of	of	ADP
cblr-1739	960	45	this	this	DET
cblr-1739	960	46	sort	sort	NOUN
cblr-1739	960	47	go	go	VERB
cblr-1739	960	48	far	far	ADV
cblr-1739	960	49	beyond	beyond	ADP
cblr-1739	960	50	basic	basic	ADJ
cblr-1739	960	51	demographics	demographic	NOUN
cblr-1739	960	52	and	and	CCONJ
cblr-1739	960	53	open	open	VERB
cblr-1739	960	54	the	the	DET
cblr-1739	960	55	door	door	NOUN
cblr-1739	960	56	to	to	ADP
cblr-1739	960	57	additional	additional	ADJ
cblr-1739	960	58	analytics	analytic	NOUN
cblr-1739	960	59	and	and	CCONJ
cblr-1739	960	60	ranking	ranking	NOUN
cblr-1739	960	61	factors	factor	NOUN
cblr-1739	960	62	that	that	PRON
cblr-1739	960	63	are	be	AUX
cblr-1739	960	64	rooted	root	VERB
cblr-1739	960	65	in	in	ADP
cblr-1739	960	66	personal	personal	ADJ
cblr-1739	960	67	traits	trait	NOUN
cblr-1739	960	68	and	and	CCONJ
cblr-1739	960	69	state	state	NOUN
cblr-1739	960	70	of	of	ADP
cblr-1739	960	71	mind.258	mind.258	NUM
cblr-1739	960	72	if	if	SCONJ
cblr-1739	960	73	the	the	DET
cblr-1739	960	74	underlying	underlie	VERB
cblr-1739	960	75	data	data	NOUN
cblr-1739	960	76	is	be	AUX
cblr-1739	960	77	,	,	PUNCT
cblr-1739	960	78	as	as	SCONJ
cblr-1739	960	79	most	most	ADJ
cblr-1739	960	80	cases	case	NOUN
cblr-1739	960	81	show	show	VERB
cblr-1739	960	82	,	,	PUNCT
cblr-1739	960	83	a	a	DET
cblr-1739	960	84	product	product	NOUN
cblr-1739	960	85	of	of	ADP
cblr-1739	960	86	biased	biased	ADJ
cblr-1739	960	87	mining	mining	NOUN
cblr-1739	960	88	or	or	CCONJ
cblr-1739	960	89	analytics	analytic	NOUN
cblr-1739	960	90	,	,	PUNCT
cblr-1739	960	91	the	the	DET
cblr-1739	960	92	resulting	result	VERB
cblr-1739	960	93	discriminatory	discriminatory	ADJ
cblr-1739	960	94	harm	harm	NOUN
cblr-1739	960	95	is	be	AUX
cblr-1739	960	96	even	even	ADV
cblr-1739	960	97	greater.259	greater.259	VERB
cblr-1739	960	98	data	datum	NOUN
cblr-1739	960	99	mining	mining	NOUN
cblr-1739	960	100	and	and	CCONJ
cblr-1739	960	101	algorithmic	algorithmic	ADJ
cblr-1739	960	102	predictions	prediction	NOUN
cblr-1739	960	103	are	be	AUX
cblr-1739	960	104	also	also	ADV
cblr-1739	960	105	commonly	commonly	ADV
cblr-1739	960	106	criticized	criticize	VERB
cblr-1739	960	107	for	for	ADP
cblr-1739	960	108	their	their	PRON
cblr-1739	960	109	opacity	opacity	NOUN
cblr-1739	960	110	.	.	PUNCT
cblr-1739	961	1	even	even	ADV
cblr-1739	961	2	though	though	SCONJ
cblr-1739	961	3	those	those	DET
cblr-1739	961	4	methods	method	NOUN
cblr-1739	961	5	of	of	ADP
cblr-1739	961	6	automated	automate	VERB
cblr-1739	961	7	decision	decision	NOUN
cblr-1739	961	8	-	-	PUNCT
cblr-1739	961	9	making	making	NOUN
cblr-1739	961	10	could	could	AUX
cblr-1739	961	11	potentially	potentially	ADV
cblr-1739	961	12	harm	harm	VERB
cblr-1739	961	13	individuals	individual	NOUN
cblr-1739	961	14	’	'	PUNCT
cblr-1739	961	15	life	life	NOUN
cblr-1739	961	16	opportunities	opportunity	NOUN
cblr-1739	961	17	in	in	ADP
cblr-1739	961	18	arbitrary	arbitrary	ADJ
cblr-1739	961	19	and	and	CCONJ
cblr-1739	961	20	discriminatory	discriminatory	ADJ
cblr-1739	961	21	ways	way	NOUN
cblr-1739	961	22	,	,	PUNCT
cblr-1739	961	23	they	they	PRON
cblr-1739	961	24	remain	remain	VERB
cblr-1739	961	25	secret.260	secret.260	NOUN
cblr-1739	961	26	the	the	DET
cblr-1739	961	27	process	process	NOUN
cblr-1739	961	28	is	be	AUX
cblr-1739	961	29	technically	technically	ADV
cblr-1739	961	30	opaque	opaque	ADJ
cblr-1739	961	31	insofar	insofar	ADV
cblr-1739	961	32	as	as	SCONJ
cblr-1739	961	33	the	the	DET
cblr-1739	961	34	code	code	NOUN
cblr-1739	961	35	is	be	AUX
cblr-1739	961	36	oftentimes	oftentime	NOUN
cblr-1739	961	37	kept	keep	VERB
cblr-1739	961	38	255	255	NUM
cblr-1739	961	39	see	see	PROPN
cblr-1739	961	40	lauren	lauren	PROPN
cblr-1739	961	41	kirchner	kirchner	PROPN
cblr-1739	961	42	,	,	PUNCT
cblr-1739	961	43	when	when	SCONJ
cblr-1739	961	44	big	big	ADJ
cblr-1739	961	45	data	datum	NOUN
cblr-1739	961	46	becomes	become	VERB
cblr-1739	961	47	bad	bad	ADJ
cblr-1739	961	48	data	datum	NOUN
cblr-1739	961	49	,	,	PUNCT
cblr-1739	961	50	pac	pac	PROPN
cblr-1739	961	51	.	.	PROPN
cblr-1739	961	52	standard	standard	PROPN
cblr-1739	961	53	(	(	PUNCT
cblr-1739	961	54	sept	sept	PROPN
cblr-1739	961	55	.	.	PROPN
cblr-1739	961	56	9	9	NUM
cblr-1739	961	57	,	,	PUNCT
cblr-1739	961	58	2015	2015	NUM
cblr-1739	961	59	)	)	PUNCT
cblr-1739	961	60	,	,	PUNCT
cblr-1739	961	61	http://www.psmag.com/nature-and-technology/	http://www.psmag.com/nature-and-technology/	NOUN
cblr-1739	961	62	when	when	ADV
cblr-1739	961	63	-	-	PUNCT
cblr-1739	961	64	big	big	ADJ
cblr-1739	961	65	-	-	PUNCT
cblr-1739	961	66	data	data	NOUN
cblr-1739	961	67	-	-	PUNCT
cblr-1739	961	68	becomes	become	NOUN
cblr-1739	961	69	-	-	PUNCT
cblr-1739	961	70	bad	bad	ADJ
cblr-1739	961	71	-	-	PUNCT
cblr-1739	961	72	data	data	NOUN
cblr-1739	961	73	[	[	X
cblr-1739	961	74	http://perma.cc/rwk5-catl	http://perma.cc/rwk5-catl	X
cblr-1739	961	75	]	]	PUNCT
cblr-1739	961	76	.	.	PUNCT
cblr-1739	962	1	256	256	NUM
cblr-1739	962	2	see	see	VERB
cblr-1739	962	3	tufekci	tufekci	ADJ
cblr-1739	962	4	,	,	PUNCT
cblr-1739	962	5	supra	supra	ADJ
cblr-1739	962	6	note	note	NOUN
cblr-1739	962	7	185	185	NUM
cblr-1739	962	8	,	,	PUNCT
cblr-1739	962	9	at	at	ADP
cblr-1739	962	10	210	210	NUM
cblr-1739	962	11	(	(	PUNCT
cblr-1739	962	12	noting	note	VERB
cblr-1739	962	13	that	that	SCONJ
cblr-1739	962	14	“	"	PUNCT
cblr-1739	962	15	this	this	DET
cblr-1739	962	16	kind	kind	NOUN
cblr-1739	962	17	of	of	ADP
cblr-1739	962	18	‘	'	PUNCT
cblr-1739	962	19	guessing	guessing	NOUN
cblr-1739	962	20	’	'	PUNCT
cblr-1739	962	21	via	via	ADP
cblr-1739	962	22	data	datum	NOUN
cblr-1739	962	23	modeling	modeling	NOUN
cblr-1739	962	24	—	—	PUNCT
cblr-1739	962	25	where	where	SCONJ
cblr-1739	962	26	algorithmic	algorithmic	ADJ
cblr-1739	962	27	processes	process	NOUN
cblr-1739	962	28	model	model	NOUN
cblr-1739	962	29	data	datum	NOUN
cblr-1739	962	30	to	to	PART
cblr-1739	962	31	make	make	VERB
cblr-1739	962	32	a	a	DET
cblr-1739	962	33	reasonable	reasonable	ADJ
cblr-1739	962	34	guess	guess	NOUN
cblr-1739	962	35	at	at	ADP
cblr-1739	962	36	a	a	DET
cblr-1739	962	37	trait	trait	NOUN
cblr-1739	962	38	that	that	PRON
cblr-1739	962	39	is	be	AUX
cblr-1739	962	40	not	not	PART
cblr-1739	962	41	known	know	VERB
cblr-1739	962	42	or	or	CCONJ
cblr-1739	962	43	disclosed	disclose	VERB
cblr-1739	962	44	at	at	ADP
cblr-1739	962	45	all	all	ADV
cblr-1739	962	46	—	—	PUNCT
cblr-1739	962	47	is	be	AUX
cblr-1739	962	48	in	in	ADP
cblr-1739	962	49	technical	technical	ADJ
cblr-1739	962	50	literature	literature	NOUN
cblr-1739	962	51	sometimes	sometimes	ADV
cblr-1739	962	52	called	call	VERB
cblr-1739	962	53	‘	'	PUNCT
cblr-1739	962	54	latent	latent	ADJ
cblr-1739	962	55	trait	trait	NOUN
cblr-1739	962	56	inference	inference	NOUN
cblr-1739	962	57	’	'	PUNCT
cblr-1739	962	58	”	"	PUNCT
cblr-1739	962	59	)	)	PUNCT
cblr-1739	962	60	.	.	PUNCT
cblr-1739	963	1	257	257	NUM
cblr-1739	963	2	i	i	PRON
cblr-1739	963	3	d.	d.	PROPN
cblr-1739	963	4	(	(	PUNCT
cblr-1739	963	5	citing	cite	VERB
cblr-1739	963	6	michal	michal	PROPN
cblr-1739	963	7	kosinski	kosinski	PROPN
cblr-1739	963	8	et	et	PROPN
cblr-1739	963	9	al	al	PROPN
cblr-1739	963	10	.	.	PROPN
cblr-1739	963	11	,	,	PUNCT
cblr-1739	963	12	private	private	ADJ
cblr-1739	963	13	traits	trait	NOUN
cblr-1739	963	14	and	and	CCONJ
cblr-1739	963	15	attributes	attribute	NOUN
cblr-1739	963	16	are	be	AUX
cblr-1739	963	17	predictable	predictable	ADJ
cblr-1739	963	18	from	from	ADP
cblr-1739	963	19	digital	digital	ADJ
cblr-1739	963	20	records	record	NOUN
cblr-1739	963	21	of	of	ADP
cblr-1739	963	22	human	human	ADJ
cblr-1739	963	23	behavior	behavior	NOUN
cblr-1739	963	24	,	,	PUNCT
cblr-1739	963	25	110	110	NUM
cblr-1739	963	26	proc	proc	NOUN
cblr-1739	963	27	.	.	PUNCT
cblr-1739	964	1	nat’l	nat’l	PROPN
cblr-1739	964	2	acad	acad	PROPN
cblr-1739	964	3	.	.	PUNCT
cblr-1739	965	1	sci	sci	PROPN
cblr-1739	965	2	.	.	PROPN
cblr-1739	965	3	5802	5802	NUM
cblr-1739	965	4	(	(	PUNCT
cblr-1739	965	5	2013	2013	NUM
cblr-1739	965	6	)	)	PUNCT
cblr-1739	965	7	)	)	PUNCT
cblr-1739	965	8	.	.	PUNCT
cblr-1739	966	1	258	258	NUM
cblr-1739	967	1	i	i	PRON
cblr-1739	967	2	d.	d.	PROPN
cblr-1739	967	3	259	259	NUM
cblr-1739	967	4	see	see	VERB
cblr-1739	967	5	barocas	barocas	PROPN
cblr-1739	967	6	&	&	CCONJ
cblr-1739	967	7	selbst	selbst	PROPN
cblr-1739	967	8	,	,	PUNCT
cblr-1739	967	9	supra	supra	PROPN
cblr-1739	967	10	note	note	NOUN
cblr-1739	967	11	244	244	NUM
cblr-1739	967	12	,	,	PUNCT
cblr-1739	967	13	at	at	ADP
cblr-1739	967	14	10–11	10–11	NUM
cblr-1739	967	15	.	.	PUNCT
cblr-1739	968	1	260	260	NUM
cblr-1739	968	2	see	see	VERB
cblr-1739	968	3	,	,	PUNCT
cblr-1739	968	4	e.g.	e.g.	ADV
cblr-1739	968	5	,	,	PUNCT
cblr-1739	968	6	citron	citron	NOUN
cblr-1739	968	7	,	,	PUNCT
cblr-1739	968	8	supra	supra	PROPN
cblr-1739	968	9	note	note	NOUN
cblr-1739	968	10	228	228	NUM
cblr-1739	968	11	,	,	PUNCT
cblr-1739	968	12	at	at	ADP
cblr-1739	968	13	1308–09	1308–09	NUM
cblr-1739	968	14	;	;	PUNCT
cblr-1739	968	15	lucas	lucas	PROPN
cblr-1739	968	16	d.	d.	PROPN
cblr-1739	968	17	introna	introna	PROPN
cblr-1739	968	18	&	&	CCONJ
cblr-1739	968	19	helen	helen	PROPN
cblr-1739	968	20	nissenbaum	nissenbaum	PROPN
cblr-1739	968	21	,	,	PUNCT
cblr-1739	968	22	shaping	shape	VERB
cblr-1739	968	23	the	the	DET
cblr-1739	968	24	web	web	NOUN
cblr-1739	968	25	:	:	PUNCT
cblr-1739	968	26	why	why	SCONJ
cblr-1739	968	27	the	the	DET
cblr-1739	968	28	politics	politic	NOUN
cblr-1739	968	29	of	of	ADP
cblr-1739	968	30	search	search	NOUN
cblr-1739	968	31	engines	engine	NOUN
cblr-1739	968	32	matters	matter	NOUN
cblr-1739	968	33	,	,	PUNCT
cblr-1739	968	34	16	16	NUM
cblr-1739	968	35	info	info	NOUN
cblr-1739	968	36	.	.	PUNCT
cblr-1739	969	1	soc’y	soc’y	NOUN
cblr-1739	969	2	169	169	NUM
cblr-1739	969	3	(	(	PUNCT
cblr-1739	969	4	2000	2000	NUM
cblr-1739	969	5	)	)	PUNCT
cblr-1739	969	6	;	;	PUNCT
cblr-1739	970	1	pasquale	pasquale	NOUN
cblr-1739	970	2	,	,	PUNCT
cblr-1739	970	3	supra	supra	PROPN
cblr-1739	970	4	note	note	PROPN
cblr-1739	970	5	3	3	NUM
cblr-1739	970	6	;	;	PUNCT
cblr-1739	970	7	daniel	daniel	PROPN
cblr-1739	970	8	j.	j.	PROPN
cblr-1739	970	9	steinbock	steinbock	PROPN
cblr-1739	970	10	,	,	PUNCT
cblr-1739	970	11	data	datum	NOUN
cblr-1739	970	12	matching	matching	NOUN
cblr-1739	970	13	,	,	PUNCT
cblr-1739	970	14	data	datum	NOUN
cblr-1739	970	15	mining	mining	NOUN
cblr-1739	970	16	,	,	PUNCT
cblr-1739	970	17	and	and	CCONJ
cblr-1739	970	18	due	due	ADJ
cblr-1739	970	19	process	process	NOUN
cblr-1739	970	20	,	,	PUNCT
cblr-1739	970	21	40	40	NUM
cblr-1739	970	22	ga	ga	PROPN
cblr-1739	970	23	.	.	PUNCT
cblr-1739	970	24	l.	l.	PROPN
cblr-1739	970	25	rev	rev	PROPN
cblr-1739	970	26	.	.	PROPN
cblr-1739	970	27	1	1	NUM
cblr-1739	970	28	,	,	PUNCT
cblr-1739	970	29	45	45	NUM
cblr-1739	970	30	(	(	PUNCT
cblr-1739	970	31	2005	2005	NUM
cblr-1739	970	32	)	)	PUNCT
cblr-1739	970	33	.	.	PUNCT
cblr-1739	971	1	geslevich	geslevich	PROPN
cblr-1739	971	2	packin	packin	PROPN
cblr-1739	971	3	&	&	CCONJ
cblr-1739	971	4	lev	lev	PROPN
cblr-1739	971	5	-	-	PUNCT
cblr-1739	971	6	aretz	aretz	PROPN
cblr-1739	971	7	–	–	PUNCT
cblr-1739	971	8	final	final	ADJ
cblr-1739	971	9	no	no	NOUN
cblr-1739	971	10	.	.	PUNCT
cblr-1739	972	1	2:339	2:339	NUM
cblr-1739	972	2	]	]	X
cblr-1739	972	3	on	on	ADP
cblr-1739	972	4	social	social	ADJ
cblr-1739	972	5	credit	credit	NOUN
cblr-1739	972	6	407	407	NUM
cblr-1739	972	7	secret	secret	ADJ
cblr-1739	972	8	and	and	CCONJ
cblr-1739	972	9	,	,	PUNCT
cblr-1739	972	10	moreover	moreover	ADV
cblr-1739	972	11	,	,	PUNCT
cblr-1739	972	12	substantively	substantively	ADV
cblr-1739	972	13	opaque	opaque	ADJ
cblr-1739	972	14	because	because	SCONJ
cblr-1739	972	15	outsiders	outsider	NOUN
cblr-1739	972	16	have	have	VERB
cblr-1739	972	17	no	no	DET
cblr-1739	972	18	way	way	NOUN
cblr-1739	972	19	of	of	ADP
cblr-1739	972	20	knowing	know	VERB
cblr-1739	972	21	what	what	PRON
cblr-1739	972	22	kind	kind	NOUN
cblr-1739	972	23	of	of	ADP
cblr-1739	972	24	data	datum	NOUN
cblr-1739	972	25	is	be	AUX
cblr-1739	972	26	collected	collect	VERB
cblr-1739	972	27	,	,	PUNCT
cblr-1739	972	28	which	which	DET
cblr-1739	972	29	correlations	correlation	NOUN
cblr-1739	972	30	are	be	AUX
cblr-1739	972	31	targeted	target	VERB
cblr-1739	972	32	,	,	PUNCT
cblr-1739	972	33	and	and	CCONJ
cblr-1739	972	34	what	what	PRON
cblr-1739	972	35	considerations	consideration	NOUN
cblr-1739	972	36	are	be	AUX
cblr-1739	972	37	factored	factor	VERB
cblr-1739	972	38	into	into	ADP
cblr-1739	972	39	the	the	DET
cblr-1739	972	40	credit	credit	NOUN
cblr-1739	972	41	profiling	profiling	NOUN
cblr-1739	972	42	of	of	ADP
cblr-1739	972	43	consumers	consumer	NOUN
cblr-1739	972	44	.	.	PUNCT
cblr-1739	973	1	those	those	DET
cblr-1739	973	2	layers	layer	NOUN
cblr-1739	973	3	of	of	ADP
cblr-1739	973	4	opacity	opacity	NOUN
cblr-1739	973	5	can	can	AUX
cblr-1739	973	6	conceal	conceal	VERB
cblr-1739	973	7	biased	biased	ADJ
cblr-1739	973	8	,	,	PUNCT
cblr-1739	973	9	discriminatory	discriminatory	ADJ
cblr-1739	973	10	,	,	PUNCT
cblr-1739	973	11	or	or	CCONJ
cblr-1739	973	12	otherwise	otherwise	ADV
cblr-1739	973	13	unacceptable	unacceptable	ADJ
cblr-1739	973	14	decisions	decision	NOUN
cblr-1739	973	15	from	from	ADP
cblr-1739	973	16	oversight	oversight	NOUN
cblr-1739	973	17	until	until	SCONJ
cblr-1739	973	18	negative	negative	ADJ
cblr-1739	973	19	consequences	consequence	NOUN
cblr-1739	973	20	are	be	AUX
cblr-1739	973	21	noticeable.261	noticeable.261	ADJ
cblr-1739	973	22	the	the	DET
cblr-1739	973	23	secrecy	secrecy	NOUN
cblr-1739	973	24	protects	protect	VERB
cblr-1739	973	25	companies	company	NOUN
cblr-1739	973	26	and	and	CCONJ
cblr-1739	973	27	public	public	ADJ
cblr-1739	973	28	institutions	institution	NOUN
cblr-1739	973	29	against	against	ADP
cblr-1739	973	30	public	public	ADJ
cblr-1739	973	31	criticism	criticism	NOUN
cblr-1739	973	32	because	because	SCONJ
cblr-1739	973	33	no	no	DET
cblr-1739	973	34	entity	entity	NOUN
cblr-1739	973	35	would	would	AUX
cblr-1739	973	36	submit	submit	VERB
cblr-1739	973	37	itself	itself	PRON
cblr-1739	973	38	to	to	ADP
cblr-1739	973	39	being	be	AUX
cblr-1739	973	40	labeled	label	VERB
cblr-1739	973	41	racist	racist	ADJ
cblr-1739	973	42	or	or	CCONJ
cblr-1739	973	43	sexist	sexist	ADJ
cblr-1739	973	44	.	.	PUNCT
cblr-1739	974	1	there	there	PRON
cblr-1739	974	2	is	be	VERB
cblr-1739	974	3	also	also	ADV
cblr-1739	974	4	a	a	DET
cblr-1739	974	5	sincere	sincere	ADJ
cblr-1739	974	6	intellectual	intellectual	ADJ
cblr-1739	974	7	property	property	NOUN
cblr-1739	974	8	interest	interest	NOUN
cblr-1739	974	9	because	because	SCONJ
cblr-1739	974	10	exposing	expose	VERB
cblr-1739	974	11	algorithms	algorithm	NOUN
cblr-1739	974	12	to	to	ADP
cblr-1739	974	13	public	public	ADJ
cblr-1739	974	14	review	review	NOUN
cblr-1739	974	15	also	also	ADV
cblr-1739	974	16	means	mean	VERB
cblr-1739	974	17	handing	hand	VERB
cblr-1739	974	18	them	they	PRON
cblr-1739	974	19	out	out	ADP
cblr-1739	974	20	to	to	ADP
cblr-1739	974	21	competitors.262	competitors.262	NOUN
cblr-1739	974	22	the	the	DET
cblr-1739	974	23	non	non	ADJ
cblr-1739	974	24	-	-	ADJ
cblr-1739	974	25	transparent	transparent	ADJ
cblr-1739	974	26	nature	nature	NOUN
cblr-1739	974	27	of	of	ADP
cblr-1739	974	28	algorithmic	algorithmic	ADJ
cblr-1739	974	29	decisions	decision	NOUN
cblr-1739	974	30	harms	harm	VERB
cblr-1739	974	31	due	due	ADJ
cblr-1739	974	32	process	process	NOUN
cblr-1739	974	33	both	both	DET
cblr-1739	974	34	ex	ex	X
cblr-1739	974	35	ante	ante	NOUN
cblr-1739	974	36	by	by	ADP
cblr-1739	974	37	empowering	empower	VERB
cblr-1739	974	38	the	the	DET
cblr-1739	974	39	unregulated	unregulated	ADJ
cblr-1739	974	40	collection	collection	NOUN
cblr-1739	974	41	and	and	CCONJ
cblr-1739	974	42	analysis	analysis	NOUN
cblr-1739	974	43	of	of	ADP
cblr-1739	974	44	information	information	NOUN
cblr-1739	974	45	,	,	PUNCT
cblr-1739	974	46	and	and	CCONJ
cblr-1739	974	47	ex	ex	PRON
cblr-1739	974	48	post	post	NOUN
cblr-1739	974	49	by	by	ADP
cblr-1739	974	50	preventing	prevent	VERB
cblr-1739	974	51	users	user	NOUN
cblr-1739	974	52	from	from	ADP
cblr-1739	974	53	challenging	challenge	VERB
cblr-1739	974	54	unfavorable	unfavorable	ADJ
cblr-1739	974	55	decisions	decision	NOUN
cblr-1739	974	56	,	,	PUNCT
cblr-1739	974	57	as	as	SCONJ
cblr-1739	974	58	it	it	PRON
cblr-1739	974	59	is	be	AUX
cblr-1739	974	60	impossible	impossible	ADJ
cblr-1739	974	61	to	to	PART
cblr-1739	974	62	review	review	VERB
cblr-1739	974	63	the	the	DET
cblr-1739	974	64	decision	decision	NOUN
cblr-1739	974	65	-	-	PUNCT
cblr-1739	974	66	making	make	VERB
cblr-1739	974	67	process	process	NOUN
cblr-1739	974	68	.	.	PUNCT
cblr-1739	975	1	algorithmic	algorithmic	ADJ
cblr-1739	975	2	opacity	opacity	NOUN
cblr-1739	975	3	frustrates	frustrate	VERB
cblr-1739	975	4	both	both	DET
cblr-1739	975	5	oversight	oversight	NOUN
cblr-1739	975	6	and	and	CCONJ
cblr-1739	975	7	accountability	accountability	NOUN
cblr-1739	975	8	.	.	PUNCT
cblr-1739	976	1	finally	finally	ADV
cblr-1739	976	2	,	,	PUNCT
cblr-1739	976	3	critics	critic	NOUN
cblr-1739	976	4	have	have	AUX
cblr-1739	976	5	also	also	ADV
cblr-1739	976	6	argued	argue	VERB
cblr-1739	976	7	that	that	SCONJ
cblr-1739	976	8	relegating	relegate	VERB
cblr-1739	976	9	the	the	DET
cblr-1739	976	10	decision	decision	NOUN
cblr-1739	976	11	-	-	PUNCT
cblr-1739	976	12	making	make	VERB
cblr-1739	976	13	authority	authority	NOUN
cblr-1739	976	14	to	to	ADP
cblr-1739	976	15	algorithmic	algorithmic	ADJ
cblr-1739	976	16	systems	system	NOUN
cblr-1739	976	17	unleashes	unleash	VERB
cblr-1739	976	18	human	human	ADJ
cblr-1739	976	19	subject	subject	PROPN
cblr-1739	976	20	research	research	NOUN
cblr-1739	976	21	that	that	PRON
cblr-1739	976	22	is	be	AUX
cblr-1739	976	23	not	not	PART
cblr-1739	976	24	limited	limit	VERB
cblr-1739	976	25	or	or	CCONJ
cblr-1739	976	26	scrutinized	scrutinize	VERB
cblr-1739	976	27	by	by	ADP
cblr-1739	976	28	ethical	ethical	ADJ
cblr-1739	976	29	norms.263	norms.263	PROPN
cblr-1739	976	30	when	when	SCONJ
cblr-1739	976	31	the	the	DET
cblr-1739	976	32	ethical	ethical	ADJ
cblr-1739	976	33	wild	wild	ADJ
cblr-1739	976	34	west	west	NOUN
cblr-1739	976	35	of	of	ADP
cblr-1739	976	36	data	datum	NOUN
cblr-1739	976	37	analytics	analytic	NOUN
cblr-1739	976	38	materializes	materialize	VERB
cblr-1739	976	39	for	for	ADP
cblr-1739	976	40	the	the	DET
cblr-1739	976	41	purpose	purpose	NOUN
cblr-1739	976	42	of	of	ADP
cblr-1739	976	43	targeted	target	VERB
cblr-1739	976	44	advertising	advertising	NOUN
cblr-1739	976	45	,	,	PUNCT
cblr-1739	976	46	the	the	DET
cblr-1739	976	47	scenario	scenario	NOUN
cblr-1739	976	48	seems	seem	VERB
cblr-1739	976	49	less	less	ADV
cblr-1739	976	50	frightening	frightening	ADJ
cblr-1739	976	51	.	.	PUNCT
cblr-1739	977	1	but	but	CCONJ
cblr-1739	977	2	when	when	SCONJ
cblr-1739	977	3	the	the	DET
cblr-1739	977	4	financial	financial	ADJ
cblr-1739	977	5	well	well	NOUN
cblr-1739	977	6	being	being	NOUN
cblr-1739	977	7	of	of	ADP
cblr-1739	977	8	the	the	DET
cblr-1739	977	9	entire	entire	ADJ
cblr-1739	977	10	population	population	NOUN
cblr-1739	977	11	is	be	AUX
cblr-1739	977	12	at	at	ADP
cblr-1739	977	13	stake	stake	NOUN
cblr-1739	977	14	,	,	PUNCT
cblr-1739	977	15	an	an	DET
cblr-1739	977	16	ethics	ethic	NOUN
cblr-1739	977	17	-	-	PUNCT
cblr-1739	977	18	free	free	ADJ
cblr-1739	977	19	system	system	NOUN
cblr-1739	977	20	accompanied	accompany	VERB
cblr-1739	977	21	by	by	ADP
cblr-1739	977	22	low	low	ADJ
cblr-1739	977	23	to	to	ADP
cblr-1739	977	24	no	no	DET
cblr-1739	977	25	accountability	accountability	NOUN
cblr-1739	977	26	is	be	AUX
cblr-1739	977	27	a	a	DET
cblr-1739	977	28	modern	modern	ADJ
cblr-1739	977	29	society	society	NOUN
cblr-1739	977	30	’s	’s	PART
cblr-1739	977	31	nightmare	nightmare	NOUN
cblr-1739	977	32	.	.	PUNCT
cblr-1739	978	1	261	261	NUM
cblr-1739	978	2	see	see	VERB
cblr-1739	978	3	pasquale	pasquale	NOUN
cblr-1739	978	4	,	,	PUNCT
cblr-1739	978	5	supra	supra	PROPN
cblr-1739	978	6	note	note	PROPN
cblr-1739	978	7	228	228	NUM
cblr-1739	978	8	,	,	PUNCT
cblr-1739	978	9	at	at	ADP
cblr-1739	978	10	16–18	16–18	NUM
cblr-1739	978	11	.	.	PUNCT
cblr-1739	979	1	262	262	NUM
cblr-1739	979	2	jeremy	jeremy	PROPN
cblr-1739	979	3	kun	kun	PROPN
cblr-1739	979	4	,	,	PUNCT
cblr-1739	979	5	beware	beware	VERB
cblr-1739	979	6	!	!	PUNCT
cblr-1739	980	1	big	big	ADJ
cblr-1739	980	2	data	datum	NOUN
cblr-1739	980	3	is	be	AUX
cblr-1739	980	4	not	not	PART
cblr-1739	980	5	free	free	ADJ
cblr-1739	980	6	of	of	ADP
cblr-1739	980	7	discrimination	discrimination	NOUN
cblr-1739	980	8	,	,	PUNCT
cblr-1739	980	9	social	social	ADJ
cblr-1739	980	10	sci	sci	PROPN
cblr-1739	981	1	.	.	PUNCT
cblr-1739	981	2	space	space	NOUN
cblr-1739	981	3	(	(	PUNCT
cblr-1739	981	4	aug	aug	PROPN
cblr-1739	981	5	.	.	PROPN
cblr-1739	981	6	13	13	NUM
cblr-1739	981	7	,	,	PUNCT
cblr-1739	981	8	2015	2015	NUM
cblr-1739	981	9	)	)	PUNCT
cblr-1739	981	10	,	,	PUNCT
cblr-1739	981	11	http://www.socialsciencespace.com/	http://www.socialsciencespace.com/	NOUN
cblr-1739	981	12	2015/08	2015/08	NUM
cblr-1739	981	13	/	/	SYM
cblr-1739	981	14	beware	beware	NOUN
cblr-1739	981	15	-	-	PUNCT
cblr-1739	981	16	big	big	ADJ
cblr-1739	981	17	-	-	PUNCT
cblr-1739	981	18	data	data	NOUN
cblr-1739	981	19	-	-	PUNCT
cblr-1739	981	20	is	be	AUX
cblr-1739	981	21	-	-	PUNCT
cblr-1739	981	22	not	not	PART
cblr-1739	981	23	-	-	PUNCT
cblr-1739	981	24	free	free	ADJ
cblr-1739	981	25	-	-	PUNCT
cblr-1739	981	26	of	of	ADP
cblr-1739	981	27	-	-	PUNCT
cblr-1739	981	28	discrimination/	discrimination/	NOUN
cblr-1739	981	29	[	[	X
cblr-1739	981	30	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	981	31	u8bh	u8bh	NOUN
cblr-1739	981	32	-	-	PUNCT
cblr-1739	981	33	p2pu	p2pu	NOUN
cblr-1739	981	34	]	]	X
cblr-1739	981	35	.	.	PUNCT
cblr-1739	982	1	263	263	NUM
cblr-1739	982	2	jules	jules	PROPN
cblr-1739	982	3	polonetsky	polonetsky	PROPN
cblr-1739	982	4	&	&	CCONJ
cblr-1739	982	5	omer	omer	PROPN
cblr-1739	982	6	tene	tene	PROPN
cblr-1739	982	7	,	,	PUNCT
cblr-1739	982	8	who	who	PRON
cblr-1739	982	9	is	be	AUX
cblr-1739	982	10	reading	read	VERB
cblr-1739	982	11	whom	whom	PRON
cblr-1739	982	12	now	now	ADV
cblr-1739	982	13	:	:	PUNCT
cblr-1739	982	14	privacy	privacy	NOUN
cblr-1739	982	15	in	in	ADP
cblr-1739	982	16	education	education	NOUN
cblr-1739	982	17	from	from	ADP
cblr-1739	982	18	books	book	NOUN
cblr-1739	982	19	to	to	ADP
cblr-1739	982	20	moocs	mooc	NOUN
cblr-1739	982	21	,	,	PUNCT
cblr-1739	982	22	17	17	NUM
cblr-1739	982	23	vand	vand	NOUN
cblr-1739	982	24	.	.	PUNCT
cblr-1739	983	1	j.	j.	PROPN
cblr-1739	983	2	ent	ent	PROPN
cblr-1739	983	3	.	.	PROPN
cblr-1739	983	4	&	&	CCONJ
cblr-1739	983	5	tech	tech	PROPN
cblr-1739	983	6	.	.	PUNCT
cblr-1739	984	1	l.	l.	PROPN
cblr-1739	984	2	927	927	NUM
cblr-1739	984	3	,	,	PUNCT
cblr-1739	984	4	985–86	985–86	NUM
cblr-1739	984	5	(	(	PUNCT
cblr-1739	984	6	2015	2015	NUM
cblr-1739	984	7	)	)	PUNCT
cblr-1739	984	8	.	.	PUNCT
cblr-1739	985	1	the	the	DET
cblr-1739	985	2	legal	legal	ADJ
cblr-1739	985	3	requirements	requirement	NOUN
cblr-1739	985	4	for	for	ADP
cblr-1739	985	5	algorithmic	algorithmic	ADJ
cblr-1739	985	6	decisionmaking	decisionmaking	NOUN
cblr-1739	985	7	of	of	ADP
cblr-1739	985	8	this	this	DET
cblr-1739	985	9	sort	sort	NOUN
cblr-1739	985	10	are	be	AUX
cblr-1739	985	11	slim	slim	ADJ
cblr-1739	985	12	at	at	ADP
cblr-1739	985	13	best	well	ADV
cblr-1739	985	14	and	and	CCONJ
cblr-1739	985	15	very	very	ADV
cblr-1739	985	16	vague	vague	ADJ
cblr-1739	985	17	.	.	PUNCT
cblr-1739	986	1	as	as	ADP
cblr-1739	986	2	a	a	DET
cblr-1739	986	3	result	result	NOUN
cblr-1739	986	4	,	,	PUNCT
cblr-1739	986	5	the	the	DET
cblr-1739	986	6	bare	bare	ADJ
cblr-1739	986	7	minimum	minimum	ADJ
cblr-1739	986	8	ethical	ethical	ADJ
cblr-1739	986	9	standard	standard	NOUN
cblr-1739	986	10	,	,	PUNCT
cblr-1739	986	11	which	which	PRON
cblr-1739	986	12	is	be	AUX
cblr-1739	986	13	compliance	compliance	NOUN
cblr-1739	986	14	with	with	ADP
cblr-1739	986	15	the	the	DET
cblr-1739	986	16	law	law	NOUN
cblr-1739	986	17	,	,	PUNCT
cblr-1739	986	18	is	be	AUX
cblr-1739	986	19	toothless	toothless	ADJ
cblr-1739	986	20	at	at	ADP
cblr-1739	986	21	this	this	DET
cblr-1739	986	22	point	point	NOUN
cblr-1739	986	23	.	.	PUNCT
cblr-1739	987	1	geslevich	geslevich	PROPN
cblr-1739	987	2	packin	packin	PROPN
cblr-1739	987	3	&	&	CCONJ
cblr-1739	987	4	lev	lev	PROPN
cblr-1739	987	5	-	-	PUNCT
cblr-1739	987	6	aretz	aretz	PROPN
cblr-1739	987	7	–	–	PUNCT
cblr-1739	987	8	final	final	ADJ
cblr-1739	987	9	408	408	NUM
cblr-1739	987	10	columbia	columbia	PROPN
cblr-1739	987	11	business	business	NOUN
cblr-1739	987	12	law	law	PROPN
cblr-1739	987	13	review	review	NOUN
cblr-1739	988	1	[	[	X
cblr-1739	988	2	vol	vol	NOUN
cblr-1739	988	3	.	.	NOUN
cblr-1739	988	4	2016	2016	NUM
cblr-1739	988	5	vii	vii	PROPN
cblr-1739	988	6	.	.	PUNCT
cblr-1739	989	1	regulating	regulate	VERB
cblr-1739	989	2	social	social	ADJ
cblr-1739	989	3	credit	credit	NOUN
cblr-1739	989	4	social	social	ADJ
cblr-1739	989	5	credit	credit	NOUN
cblr-1739	989	6	systems	system	NOUN
cblr-1739	989	7	are	be	AUX
cblr-1739	989	8	innovative	innovative	ADJ
cblr-1739	989	9	,	,	PUNCT
cblr-1739	989	10	efficient	efficient	ADJ
cblr-1739	989	11	,	,	PUNCT
cblr-1739	989	12	and	and	CCONJ
cblr-1739	989	13	effective	effective	ADJ
cblr-1739	989	14	tools	tool	NOUN
cblr-1739	989	15	that	that	PRON
cblr-1739	989	16	promote	promote	VERB
cblr-1739	989	17	broader	broad	ADJ
cblr-1739	989	18	financial	financial	ADJ
cblr-1739	989	19	inclusion	inclusion	NOUN
cblr-1739	989	20	with	with	ADP
cblr-1739	989	21	fewer	few	ADJ
cblr-1739	989	22	transaction	transaction	NOUN
cblr-1739	989	23	costs	cost	NOUN
cblr-1739	989	24	.	.	PUNCT
cblr-1739	990	1	marketplace	marketplace	NOUN
cblr-1739	990	2	lenders	lender	NOUN
cblr-1739	990	3	have	have	AUX
cblr-1739	990	4	been	be	AUX
cblr-1739	990	5	able	able	ADJ
cblr-1739	990	6	to	to	PART
cblr-1739	990	7	capitalize	capitalize	VERB
cblr-1739	990	8	on	on	ADP
cblr-1739	990	9	the	the	DET
cblr-1739	990	10	current	current	ADJ
cblr-1739	990	11	legal	legal	ADJ
cblr-1739	990	12	vacuum	vacuum	NOUN
cblr-1739	990	13	surrounding	surround	VERB
cblr-1739	990	14	fintech	fintech	NOUN
cblr-1739	990	15	caused	cause	VERB
cblr-1739	990	16	by	by	ADP
cblr-1739	990	17	delayed	delay	VERB
cblr-1739	990	18	regulatory	regulatory	ADJ
cblr-1739	990	19	response	response	NOUN
cblr-1739	990	20	to	to	ADP
cblr-1739	990	21	technological	technological	ADJ
cblr-1739	990	22	growth	growth	NOUN
cblr-1739	990	23	.	.	PUNCT
cblr-1739	991	1	consequently	consequently	ADV
cblr-1739	991	2	,	,	PUNCT
cblr-1739	991	3	the	the	DET
cblr-1739	991	4	issue	issue	NOUN
cblr-1739	991	5	of	of	ADP
cblr-1739	991	6	marketplace	marketplace	NOUN
cblr-1739	991	7	lending	lending	NOUN
cblr-1739	991	8	regulation	regulation	NOUN
cblr-1739	991	9	is	be	AUX
cblr-1739	991	10	highly	highly	ADV
cblr-1739	991	11	controversial,264	controversial,264	VERB
cblr-1739	991	12	with	with	ADP
cblr-1739	991	13	one	one	NUM
cblr-1739	991	14	side	side	NOUN
cblr-1739	991	15	advocating	advocate	VERB
cblr-1739	991	16	for	for	ADP
cblr-1739	991	17	minimal	minimal	ADJ
cblr-1739	991	18	or	or	CCONJ
cblr-1739	991	19	no	no	DET
cblr-1739	991	20	intervention	intervention	NOUN
cblr-1739	991	21	in	in	ADP
cblr-1739	991	22	order	order	NOUN
cblr-1739	991	23	not	not	PART
cblr-1739	991	24	to	to	PART
cblr-1739	991	25	stifle	stifle	VERB
cblr-1739	991	26	the	the	DET
cblr-1739	991	27	innovation	innovation	NOUN
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cblr-1739	991	30	effectively	effectively	ADV
cblr-1739	991	31	fill	fill	VERB
cblr-1739	991	32	in	in	ADP
cblr-1739	991	33	market	market	NOUN
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cblr-1739	991	35	,	,	PUNCT
cblr-1739	991	36	and	and	CCONJ
cblr-1739	991	37	the	the	DET
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cblr-1739	991	39	side	side	NOUN
cblr-1739	991	40	warning	warn	VERB
cblr-1739	991	41	that	that	SCONJ
cblr-1739	991	42	if	if	SCONJ
cblr-1739	991	43	not	not	PART
cblr-1739	991	44	properly	properly	ADV
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cblr-1739	991	46	,	,	PUNCT
cblr-1739	991	47	marketplace	marketplace	NOUN
cblr-1739	991	48	lending	lending	NOUN
cblr-1739	991	49	can	can	AUX
cblr-1739	991	50	become	become	VERB
cblr-1739	991	51	the	the	DET
cblr-1739	991	52	next	next	ADJ
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cblr-1739	991	54	-	-	PUNCT
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cblr-1739	991	57	in	in	ADP
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cblr-1739	991	62	264	264	NUM
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cblr-1739	992	4	,	,	PUNCT
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cblr-1739	992	10	in	in	ADP
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cblr-1739	992	18	,	,	PUNCT
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cblr-1739	992	20	,	,	PUNCT
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cblr-1739	992	23	,	,	PUNCT
cblr-1739	992	24	the	the	DET
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cblr-1739	992	26	bubble	bubble	NOUN
cblr-1739	992	27	prior	prior	ADV
cblr-1739	992	28	to	to	ADP
cblr-1739	992	29	the	the	DET
cblr-1739	992	30	financial	financial	ADJ
cblr-1739	992	31	crisis	crisis	NOUN
cblr-1739	992	32	in	in	ADP
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cblr-1739	992	34	.	.	PUNCT
cblr-1739	993	1	while	while	SCONJ
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cblr-1739	993	3	in	in	ADP
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cblr-1739	993	7	the	the	DET
cblr-1739	993	8	financial	financial	ADJ
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cblr-1739	993	10	were	be	AUX
cblr-1739	993	11	putting	put	VERB
cblr-1739	993	12	pressure	pressure	NOUN
cblr-1739	993	13	to	to	PART
cblr-1739	993	14	expand	expand	VERB
cblr-1739	993	15	home	home	NOUN
cblr-1739	993	16	ownership	ownership	NOUN
cblr-1739	993	17	,	,	PUNCT
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cblr-1739	993	19	for	for	ADP
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cblr-1739	993	23	as	as	ADP
cblr-1739	993	24	financial	financial	ADJ
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cblr-1739	993	26	,	,	PUNCT
cblr-1739	993	27	and	and	CCONJ
cblr-1739	993	28	the	the	DET
cblr-1739	993	29	development	development	NOUN
cblr-1739	993	30	of	of	ADP
cblr-1739	993	31	the	the	DET
cblr-1739	993	32	subprime	subprime	ADJ
cblr-1739	993	33	loans	loan	NOUN
cblr-1739	993	34	industry	industry	NOUN
cblr-1739	993	35	,	,	PUNCT
cblr-1739	993	36	others	other	NOUN
cblr-1739	993	37	were	be	AUX
cblr-1739	993	38	calling	call	VERB
cblr-1739	993	39	for	for	ADP
cblr-1739	993	40	more	more	ADJ
cblr-1739	993	41	prudent	prudent	ADJ
cblr-1739	993	42	regulation	regulation	NOUN
cblr-1739	993	43	on	on	ADP
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cblr-1739	993	46	of	of	ADP
cblr-1739	993	47	the	the	DET
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cblr-1739	993	49	,	,	PUNCT
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cblr-1739	993	51	the	the	DET
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cblr-1739	993	54	of	of	ADP
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cblr-1739	993	61	,	,	PUNCT
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cblr-1739	993	69	not	not	PART
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cblr-1739	993	74	.	.	PUNCT
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cblr-1739	994	2	,	,	PUNCT
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cblr-1739	994	4	,	,	PUNCT
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cblr-1739	994	19	,	,	PUNCT
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cblr-1739	994	35	-	-	PUNCT
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cblr-1739	994	37	-	-	PUNCT
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cblr-1739	994	39	-	-	PUNCT
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cblr-1739	1005	14	the	the	DET
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cblr-1739	1005	16	innovative	innovative	ADJ
cblr-1739	1005	17	social	social	ADJ
cblr-1739	1005	18	credit	credit	NOUN
cblr-1739	1005	19	systems	system	NOUN
cblr-1739	1005	20	generate	generate	VERB
cblr-1739	1005	21	.	.	PUNCT
cblr-1739	1006	1	one	one	NUM
cblr-1739	1006	2	such	such	ADJ
cblr-1739	1006	3	option	option	NOUN
cblr-1739	1006	4	is	be	AUX
cblr-1739	1006	5	mandating	mandate	VERB
cblr-1739	1006	6	increased	increase	VERB
cblr-1739	1006	7	disclosure	disclosure	NOUN
cblr-1739	1006	8	.	.	PUNCT
cblr-1739	1007	1	disclosure	disclosure	NOUN
cblr-1739	1007	2	provides	provide	VERB
cblr-1739	1007	3	relevant	relevant	ADJ
cblr-1739	1007	4	information	information	NOUN
cblr-1739	1007	5	to	to	ADP
cblr-1739	1007	6	consumers	consumer	NOUN
cblr-1739	1007	7	for	for	ADP
cblr-1739	1007	8	informed	informed	ADJ
cblr-1739	1007	9	decision	decision	NOUN
cblr-1739	1007	10	-	-	PUNCT
cblr-1739	1007	11	making	making	NOUN
cblr-1739	1007	12	,	,	PUNCT
cblr-1739	1007	13	and	and	CCONJ
cblr-1739	1007	14	frequently	frequently	ADV
cblr-1739	1007	15	reveals	reveal	VERB
cblr-1739	1007	16	estimated	estimate	VERB
cblr-1739	1007	17	costs	cost	NOUN
cblr-1739	1007	18	and	and	CCONJ
cblr-1739	1007	19	effects	effect	NOUN
cblr-1739	1007	20	to	to	ADP
cblr-1739	1007	21	consumers	consumer	NOUN
cblr-1739	1007	22	,	,	PUNCT
cblr-1739	1007	23	commitments	commitment	NOUN
cblr-1739	1007	24	of	of	ADP
cblr-1739	1007	25	the	the	DET
cblr-1739	1007	26	relevant	relevant	ADJ
cblr-1739	1007	27	parties	party	NOUN
cblr-1739	1007	28	,	,	PUNCT
cblr-1739	1007	29	existence	existence	NOUN
cblr-1739	1007	30	of	of	ADP
cblr-1739	1007	31	any	any	DET
cblr-1739	1007	32	conflicts	conflict	NOUN
cblr-1739	1007	33	of	of	ADP
cblr-1739	1007	34	interest	interest	NOUN
cblr-1739	1007	35	,	,	PUNCT
cblr-1739	1007	36	and	and	CCONJ
cblr-1739	1007	37	descriptions	description	NOUN
cblr-1739	1007	38	on	on	ADP
cblr-1739	1007	39	relationships	relationship	NOUN
cblr-1739	1007	40	between	between	ADP
cblr-1739	1007	41	parties.267	parties.267	NOUN
cblr-1739	1007	42	for	for	ADP
cblr-1739	1007	43	example	example	NOUN
cblr-1739	1007	44	,	,	PUNCT
cblr-1739	1007	45	regulators	regulator	NOUN
cblr-1739	1007	46	have	have	AUX
cblr-1739	1007	47	proposed	propose	VERB
cblr-1739	1007	48	similar	similar	ADJ
cblr-1739	1007	49	disclosures	disclosure	NOUN
cblr-1739	1007	50	in	in	ADP
cblr-1739	1007	51	the	the	DET
cblr-1739	1007	52	context	context	NOUN
cblr-1739	1007	53	of	of	ADP
cblr-1739	1007	54	educational	educational	ADJ
cblr-1739	1007	55	institution	institution	NOUN
cblr-1739	1007	56	admission	admission	NOUN
cblr-1739	1007	57	,	,	PUNCT
cblr-1739	1007	58	hiring	hiring	NOUN
cblr-1739	1007	59	,	,	PUNCT
cblr-1739	1007	60	insurance	insurance	NOUN
cblr-1739	1007	61	,	,	PUNCT
cblr-1739	1007	62	and	and	CCONJ
cblr-1739	1007	63	credit.268	credit.268	NOUN
cblr-1739	1007	64	regulators	regulator	NOUN
cblr-1739	1007	65	must	must	AUX
cblr-1739	1007	66	ensure	ensure	VERB
cblr-1739	1007	67	that	that	SCONJ
cblr-1739	1007	68	information	information	NOUN
cblr-1739	1007	69	aggregators	aggregator	NOUN
cblr-1739	1007	70	and	and	CCONJ
cblr-1739	1007	71	decision	decision	NOUN
cblr-1739	1007	72	-	-	PUNCT
cblr-1739	1007	73	makers	maker	NOUN
cblr-1739	1007	74	disclose	disclose	VERB
cblr-1739	1007	75	the	the	DET
cblr-1739	1007	76	online	online	ADJ
cblr-1739	1007	77	sources	source	NOUN
cblr-1739	1007	78	they	they	PRON
cblr-1739	1007	79	scrutinize	scrutinize	VERB
cblr-1739	1007	80	to	to	PART
cblr-1739	1007	81	inform	inform	VERB
cblr-1739	1007	82	their	their	PRON
cblr-1739	1007	83	decisions	decision	NOUN
cblr-1739	1007	84	.	.	PUNCT
cblr-1739	1008	1	similarly	similarly	ADV
cblr-1739	1008	2	,	,	PUNCT
cblr-1739	1008	3	decision	decision	NOUN
cblr-1739	1008	4	-	-	PUNCT
cblr-1739	1008	5	makers	maker	NOUN
cblr-1739	1008	6	should	should	AUX
cblr-1739	1008	7	reveal	reveal	VERB
cblr-1739	1008	8	the	the	DET
cblr-1739	1008	9	particular	particular	ADJ
cblr-1739	1008	10	information	information	NOUN
cblr-1739	1008	11	they	they	PRON
cblr-1739	1008	12	discovered	discover	VERB
cblr-1739	1008	13	about	about	ADP
cblr-1739	1008	14	the	the	DET
cblr-1739	1008	15	individual	individual	NOUN
cblr-1739	1008	16	to	to	ADP
cblr-1739	1008	17	the	the	DET
cblr-1739	1008	18	individual	individual	NOUN
cblr-1739	1008	19	if	if	SCONJ
cblr-1739	1008	20	that	that	DET
cblr-1739	1008	21	information	information	NOUN
cblr-1739	1008	22	grounded	ground	VERB
cblr-1739	1008	23	a	a	DET
cblr-1739	1008	24	decision.269	decision.269	NOUN
cblr-1739	1008	25	since	since	SCONJ
cblr-1739	1008	26	the	the	DET
cblr-1739	1008	27	great	great	ADJ
cblr-1739	1008	28	depression	depression	NOUN
cblr-1739	1008	29	,	,	PUNCT
cblr-1739	1008	30	the	the	DET
cblr-1739	1008	31	federal	federal	ADJ
cblr-1739	1008	32	government	government	NOUN
cblr-1739	1008	33	’s	’s	PART
cblr-1739	1008	34	philosophy	philosophy	NOUN
cblr-1739	1008	35	as	as	ADP
cblr-1739	1008	36	to	to	ADP
cblr-1739	1008	37	financial	financial	ADJ
cblr-1739	1008	38	markets	market	NOUN
cblr-1739	1008	39	and	and	CCONJ
cblr-1739	1008	40	corporations	corporation	NOUN
cblr-1739	1008	41	has	have	AUX
cblr-1739	1008	42	generally	generally	ADV
cblr-1739	1008	43	been	be	AUX
cblr-1739	1008	44	to	to	PART
cblr-1739	1008	45	push	push	VERB
cblr-1739	1008	46	for	for	ADP
cblr-1739	1008	47	more	more	ADJ
cblr-1739	1008	48	disclosure	disclosure	NOUN
cblr-1739	1008	49	.	.	PUNCT
cblr-1739	1009	1	increased	increase	VERB
cblr-1739	1009	2	com	com	NOUN
cblr-1739	1009	3	/	/	SYM
cblr-1739	1009	4	news	news	NOUN
cblr-1739	1009	5	/	/	SYM
cblr-1739	1009	6	marketplace	marketplace	NOUN
cblr-1739	1009	7	-	-	PUNCT
cblr-1739	1009	8	lending	lending	NOUN
cblr-1739	1009	9	/	/	SYM
cblr-1739	1009	10	working	work	VERB
cblr-1739	1009	11	-	-	PUNCT
cblr-1739	1009	12	with	with	ADP
cblr-1739	1009	13	-	-	PUNCT
cblr-1739	1009	14	marketplace	marketplace	NOUN
cblr-1739	1009	15	-	-	PUNCT
cblr-1739	1009	16	lenders	lender	NOUN
cblr-1739	1009	17	-	-	PUNCT
cblr-1739	1009	18	carriesrisks	carriesrisk	NOUN
cblr-1739	1009	19	-	-	PUNCT
cblr-1739	1009	20	fdic	fdic	ADJ
cblr-1739	1009	21	-	-	PUNCT
cblr-1739	1009	22	says-1079162	says-1079162	NOUN
cblr-1739	1009	23	-	-	PUNCT
cblr-1739	1009	24	1.html	1.html	NUM
cblr-1739	1009	25	[	[	X
cblr-1739	1009	26	http://perma.cc/hs4l-9h6	http://perma.cc/hs4l-9h6	PROPN
cblr-1739	1009	27	m	m	X
cblr-1739	1009	28	]	]	X
cblr-1739	1009	29	.	.	PUNCT
cblr-1739	1010	1	see	see	VERB
cblr-1739	1010	2	also	also	ADV
cblr-1739	1010	3	todd	todd	PROPN
cblr-1739	1010	4	j.	j.	PROPN
cblr-1739	1010	5	zywicki	zywicki	PROPN
cblr-1739	1010	6	&	&	CCONJ
cblr-1739	1010	7	joseph	joseph	PROPN
cblr-1739	1010	8	d.	d.	PROPN
cblr-1739	1010	9	adamson	adamson	PROPN
cblr-1739	1010	10	,	,	PUNCT
cblr-1739	1010	11	the	the	DET
cblr-1739	1010	12	law	law	NOUN
cblr-1739	1010	13	&	&	CCONJ
cblr-1739	1010	14	economics	economics	PROPN
cblr-1739	1010	15	of	of	ADP
cblr-1739	1010	16	.	.	PUNCT
cblr-1739	1010	17	subprime	subprime	PROPN
cblr-1739	1010	18	lending	lending	NOUN
cblr-1739	1010	19	,	,	PUNCT
cblr-1739	1010	20	80	80	NUM
cblr-1739	1010	21	u.	u.	NOUN
cblr-1739	1010	22	colo	colo	PROPN
cblr-1739	1010	23	.	.	PUNCT
cblr-1739	1011	1	l.	l.	PROPN
cblr-1739	1011	2	rev	rev	PROPN
cblr-1739	1011	3	.	.	PROPN
cblr-1739	1011	4	1	1	NUM
cblr-1739	1011	5	,	,	PUNCT
cblr-1739	1011	6	11–20	11–20	NUM
cblr-1739	1011	7	(	(	PUNCT
cblr-1739	1011	8	2009	2009	NUM
cblr-1739	1011	9	)	)	PUNCT
cblr-1739	1011	10	.	.	PUNCT
cblr-1739	1012	1	266	266	NUM
cblr-1739	1012	2	cathy	cathy	PROPN
cblr-1739	1012	3	o’neil	o’neil	PROPN
cblr-1739	1012	4	,	,	PUNCT
cblr-1739	1012	5	how	how	SCONJ
cblr-1739	1012	6	to	to	PART
cblr-1739	1012	7	talk	talk	VERB
cblr-1739	1012	8	about	about	ADP
cblr-1739	1012	9	big	big	ADJ
cblr-1739	1012	10	data	datum	NOUN
cblr-1739	1012	11	and	and	CCONJ
cblr-1739	1012	12	lending	lending	NOUN
cblr-1739	1012	13	discrimination	discrimination	NOUN
cblr-1739	1012	14	,	,	PUNCT
cblr-1739	1012	15	am	be	AUX
cblr-1739	1012	16	.	.	PUNCT
cblr-1739	1012	17	banker	banker	PROPN
cblr-1739	1012	18	(	(	PUNCT
cblr-1739	1012	19	sept	sept	PROPN
cblr-1739	1012	20	.	.	PROPN
cblr-1739	1012	21	10	10	NUM
cblr-1739	1012	22	,	,	PUNCT
cblr-1739	1012	23	2015	2015	NUM
cblr-1739	1012	24	)	)	PUNCT
cblr-1739	1013	1	http://www.american	http://www.american	AUX
cblr-1739	1013	2	banker.com/bankthink/how-to-talk-about-big-data-and-lending-discrimina	banker.com/bankthink/how-to-talk-about-big-data-and-lending-discrimina	NOUN
cblr-1739	1013	3	tion-1076600-1.html	tion-1076600-1.html	NOUN
cblr-1739	1014	1	[	[	X
cblr-1739	1014	2	http://perma.cc/sgv2-e69j	http://perma.cc/sgv2-e69j	X
cblr-1739	1014	3	]	]	X
cblr-1739	1014	4	.	.	PUNCT
cblr-1739	1015	1	267	267	NUM
cblr-1739	1015	2	angela	angela	PROPN
cblr-1739	1015	3	a.	a.	PROPN
cblr-1739	1015	4	hung	hung	PROPN
cblr-1739	1015	5	et	et	PROPN
cblr-1739	1015	6	al	al	PROPN
cblr-1739	1015	7	.	.	PROPN
cblr-1739	1015	8	,	,	PUNCT
cblr-1739	1015	9	rand	rand	NOUN
cblr-1739	1015	10	labor	labor	NOUN
cblr-1739	1015	11	and	and	CCONJ
cblr-1739	1015	12	population	population	NOUN
cblr-1739	1015	13	,	,	PUNCT
cblr-1739	1015	14	effective	effective	ADJ
cblr-1739	1015	15	disclosures	disclosure	NOUN
cblr-1739	1015	16	in	in	ADP
cblr-1739	1015	17	financial	financial	ADJ
cblr-1739	1015	18	decisionmaking	decisionmaking	NOUN
cblr-1739	1015	19	,	,	PUNCT
cblr-1739	1015	20	(	(	PUNCT
cblr-1739	1015	21	2015	2015	NUM
cblr-1739	1015	22	)	)	PUNCT
cblr-1739	1015	23	,	,	PUNCT
cblr-1739	1015	24	https://www.dol.gov/	https://www.dol.gov/	PROPN
cblr-1739	1015	25	ebsa	ebsa	NOUN
cblr-1739	1015	26	/	/	SYM
cblr-1739	1015	27	pdf	pdf	NOUN
cblr-1739	1015	28	/	/	SYM
cblr-1739	1015	29	conflictofinterestresearchpaper3.pdf	conflictofinterestresearchpaper3.pdf	PUNCT
cblr-1739	1016	1	[	[	X
cblr-1739	1016	2	http://perma.cc/h3gqgwf8	http://perma.cc/h3gqgwf8	NOUN
cblr-1739	1016	3	]	]	X
cblr-1739	1016	4	.	.	PUNCT
cblr-1739	1017	1	268	268	NUM
cblr-1739	1017	2	see	see	VERB
cblr-1739	1017	3	pasquale	pasquale	NOUN
cblr-1739	1017	4	,	,	PUNCT
cblr-1739	1017	5	supra	supra	PROPN
cblr-1739	1017	6	note	note	PROPN
cblr-1739	1017	7	19	19	NUM
cblr-1739	1017	8	,	,	PUNCT
cblr-1739	1017	9	at	at	ADP
cblr-1739	1017	10	113–16	113–16	NUM
cblr-1739	1017	11	.	.	PUNCT
cblr-1739	1018	1	269	269	NUM
cblr-1739	1019	1	i	i	PRON
cblr-1739	1019	2	d.	d.	PROPN
cblr-1739	1019	3	at	at	ADP
cblr-1739	1019	4	108	108	NUM
cblr-1739	1019	5	,	,	PUNCT
cblr-1739	1019	6	112–13	112–13	NUM
cblr-1739	1019	7	.	.	PUNCT
cblr-1739	1019	8	geslevich	geslevich	PROPN
cblr-1739	1019	9	packin	packin	PROPN
cblr-1739	1019	10	&	&	CCONJ
cblr-1739	1019	11	lev	lev	PROPN
cblr-1739	1019	12	-	-	PUNCT
cblr-1739	1019	13	aretz	aretz	PROPN
cblr-1739	1019	14	–	–	PUNCT
cblr-1739	1019	15	final	final	ADJ
cblr-1739	1019	16	410	410	NUM
cblr-1739	1019	17	columbia	columbia	PROPN
cblr-1739	1019	18	business	business	NOUN
cblr-1739	1019	19	law	law	PROPN
cblr-1739	1019	20	review	review	NOUN
cblr-1739	1020	1	[	[	X
cblr-1739	1020	2	vol	vol	NOUN
cblr-1739	1020	3	.	.	NOUN
cblr-1739	1020	4	2016	2016	NUM
cblr-1739	1020	5	disclosure	disclosure	NOUN
cblr-1739	1020	6	,	,	PUNCT
cblr-1739	1020	7	in	in	ADP
cblr-1739	1020	8	the	the	DET
cblr-1739	1020	9	government	government	NOUN
cblr-1739	1020	10	’s	’s	PART
cblr-1739	1020	11	view	view	NOUN
cblr-1739	1020	12	,	,	PUNCT
cblr-1739	1020	13	fosters	foster	VERB
cblr-1739	1020	14	a	a	DET
cblr-1739	1020	15	robust	robust	ADJ
cblr-1739	1020	16	informational	informational	ADJ
cblr-1739	1020	17	foundation	foundation	NOUN
cblr-1739	1020	18	for	for	ADP
cblr-1739	1020	19	private	private	ADJ
cblr-1739	1020	20	decision	decision	NOUN
cblr-1739	1020	21	-	-	PUNCT
cblr-1739	1020	22	makers	maker	NOUN
cblr-1739	1020	23	and	and	CCONJ
cblr-1739	1020	24	advances	advance	NOUN
cblr-1739	1020	25	efficiency	efficiency	NOUN
cblr-1739	1020	26	and	and	CCONJ
cblr-1739	1020	27	governance.270	governance.270	VERB
cblr-1739	1020	28	the	the	DET
cblr-1739	1020	29	same	same	ADJ
cblr-1739	1020	30	approach	approach	NOUN
cblr-1739	1020	31	may	may	AUX
cblr-1739	1020	32	at	at	ADP
cblr-1739	1020	33	first	first	ADV
cblr-1739	1020	34	seem	seem	VERB
cblr-1739	1020	35	plausible	plausible	ADJ
cblr-1739	1020	36	to	to	PART
cblr-1739	1020	37	mitigate	mitigate	VERB
cblr-1739	1020	38	many	many	ADJ
cblr-1739	1020	39	of	of	ADP
cblr-1739	1020	40	the	the	DET
cblr-1739	1020	41	difficulties	difficulty	NOUN
cblr-1739	1020	42	associated	associate	VERB
cblr-1739	1020	43	with	with	ADP
cblr-1739	1020	44	social	social	ADJ
cblr-1739	1020	45	credit	credit	NOUN
cblr-1739	1020	46	systems	system	NOUN
cblr-1739	1020	47	.	.	PUNCT
cblr-1739	1021	1	more	more	ADJ
cblr-1739	1021	2	transparency	transparency	NOUN
cblr-1739	1021	3	could	could	AUX
cblr-1739	1021	4	spotlight	spotlight	VERB
cblr-1739	1021	5	the	the	DET
cblr-1739	1021	6	downsides	downside	NOUN
cblr-1739	1021	7	of	of	ADP
cblr-1739	1021	8	social	social	ADJ
cblr-1739	1021	9	credit	credit	NOUN
cblr-1739	1021	10	systems	system	NOUN
cblr-1739	1021	11	for	for	ADP
cblr-1739	1021	12	both	both	DET
cblr-1739	1021	13	consumers	consumer	NOUN
cblr-1739	1021	14	and	and	CCONJ
cblr-1739	1021	15	decision	decision	NOUN
cblr-1739	1021	16	-	-	PUNCT
cblr-1739	1021	17	makers	maker	NOUN
cblr-1739	1021	18	.	.	PUNCT
cblr-1739	1022	1	nevertheless	nevertheless	ADV
cblr-1739	1022	2	,	,	PUNCT
cblr-1739	1022	3	this	this	DET
cblr-1739	1022	4	article	article	NOUN
cblr-1739	1022	5	takes	take	VERB
cblr-1739	1022	6	the	the	DET
cblr-1739	1022	7	view	view	NOUN
cblr-1739	1022	8	that	that	SCONJ
cblr-1739	1022	9	disclosure	disclosure	NOUN
cblr-1739	1022	10	could	could	AUX
cblr-1739	1022	11	not	not	PART
cblr-1739	1022	12	deliver	deliver	VERB
cblr-1739	1022	13	the	the	DET
cblr-1739	1022	14	desired	desire	VERB
cblr-1739	1022	15	informational	informational	ADJ
cblr-1739	1022	16	and	and	CCONJ
cblr-1739	1022	17	awareness	awareness	NOUN
cblr-1739	1022	18	results	result	VERB
cblr-1739	1022	19	for	for	ADP
cblr-1739	1022	20	the	the	DET
cblr-1739	1022	21	upcoming	upcoming	ADJ
cblr-1739	1022	22	world	world	NOUN
cblr-1739	1022	23	of	of	ADP
cblr-1739	1022	24	social	social	ADJ
cblr-1739	1022	25	credit	credit	NOUN
cblr-1739	1022	26	.	.	PUNCT
cblr-1739	1023	1	in	in	ADP
cblr-1739	1023	2	recent	recent	ADJ
cblr-1739	1023	3	years	year	NOUN
cblr-1739	1023	4	,	,	PUNCT
cblr-1739	1023	5	scholars	scholar	NOUN
cblr-1739	1023	6	have	have	AUX
cblr-1739	1023	7	started	start	VERB
cblr-1739	1023	8	questioning	question	VERB
cblr-1739	1023	9	the	the	DET
cblr-1739	1023	10	disclosure	disclosure	NOUN
cblr-1739	1023	11	paradigm	paradigm	NOUN
cblr-1739	1023	12	.	.	PUNCT
cblr-1739	1024	1	following	follow	VERB
cblr-1739	1024	2	the	the	DET
cblr-1739	1024	3	2008	2008	NUM
cblr-1739	1024	4	financial	financial	ADJ
cblr-1739	1024	5	crisis	crisis	NOUN
cblr-1739	1024	6	,	,	PUNCT
cblr-1739	1024	7	some	some	PRON
cblr-1739	1024	8	have	have	AUX
cblr-1739	1024	9	argued	argue	VERB
cblr-1739	1024	10	disclosure	disclosure	NOUN
cblr-1739	1024	11	,	,	PUNCT
cblr-1739	1024	12	as	as	ADP
cblr-1739	1024	13	a	a	DET
cblr-1739	1024	14	tool	tool	NOUN
cblr-1739	1024	15	,	,	PUNCT
cblr-1739	1024	16	may	may	AUX
cblr-1739	1024	17	not	not	PART
cblr-1739	1024	18	be	be	AUX
cblr-1739	1024	19	effective	effective	ADJ
cblr-1739	1024	20	given	give	VERB
cblr-1739	1024	21	the	the	DET
cblr-1739	1024	22	complexities	complexity	NOUN
cblr-1739	1024	23	created	create	VERB
cblr-1739	1024	24	by	by	ADP
cblr-1739	1024	25	financial	financial	ADJ
cblr-1739	1024	26	innovation	innovation	NOUN
cblr-1739	1024	27	,	,	PUNCT
cblr-1739	1024	28	modern	modern	ADJ
cblr-1739	1024	29	markets	market	NOUN
cblr-1739	1024	30	,	,	PUNCT
cblr-1739	1024	31	and	and	CCONJ
cblr-1739	1024	32	institutions.271	institutions.271	NOUN
cblr-1739	1024	33	services	service	NOUN
cblr-1739	1024	34	and	and	CCONJ
cblr-1739	1024	35	products	product	NOUN
cblr-1739	1024	36	created	create	VERB
cblr-1739	1024	37	by	by	ADP
cblr-1739	1024	38	financial	financial	ADJ
cblr-1739	1024	39	innovation	innovation	NOUN
cblr-1739	1024	40	are	be	AUX
cblr-1739	1024	41	much	much	ADV
cblr-1739	1024	42	more	more	ADV
cblr-1739	1024	43	multifaceted	multifaceted	ADJ
cblr-1739	1024	44	than	than	ADP
cblr-1739	1024	45	in	in	ADP
cblr-1739	1024	46	the	the	DET
cblr-1739	1024	47	past	past	NOUN
cblr-1739	1024	48	,	,	PUNCT
cblr-1739	1024	49	often	often	ADV
cblr-1739	1024	50	exceeding	exceed	VERB
cblr-1739	1024	51	the	the	DET
cblr-1739	1024	52	capacity	capacity	NOUN
cblr-1739	1024	53	of	of	ADP
cblr-1739	1024	54	the	the	DET
cblr-1739	1024	55	verbal	verbal	ADJ
cblr-1739	1024	56	,	,	PUNCT
cblr-1739	1024	57	visual	visual	ADJ
cblr-1739	1024	58	,	,	PUNCT
cblr-1739	1024	59	accounting	accounting	NOUN
cblr-1739	1024	60	,	,	PUNCT
cblr-1739	1024	61	risk	risk	NOUN
cblr-1739	1024	62	measurement	measurement	NOUN
cblr-1739	1024	63	,	,	PUNCT
cblr-1739	1024	64	and	and	CCONJ
cblr-1739	1024	65	other	other	ADJ
cblr-1739	1024	66	capacities	capacity	NOUN
cblr-1739	1024	67	on	on	ADP
cblr-1739	1024	68	which	which	PRON
cblr-1739	1024	69	270	270	NUM
cblr-1739	1024	70	see	see	VERB
cblr-1739	1024	71	,	,	PUNCT
cblr-1739	1024	72	e.g.	e.g.	ADV
cblr-1739	1024	73	,	,	PUNCT
cblr-1739	1024	74	henry	henry	PROPN
cblr-1739	1024	75	t.	t.	PROPN
cblr-1739	1024	76	c.	c.	PROPN
cblr-1739	1024	77	hu	hu	PROPN
cblr-1739	1024	78	,	,	PUNCT
cblr-1739	1024	79	too	too	ADV
cblr-1739	1024	80	complex	complex	ADJ
cblr-1739	1024	81	to	to	PART
cblr-1739	1024	82	depict	depict	VERB
cblr-1739	1024	83	?	?	PUNCT
cblr-1739	1025	1	innovation	innovation	NOUN
cblr-1739	1025	2	,	,	PUNCT
cblr-1739	1025	3	‘	'	PUNCT
cblr-1739	1025	4	pure	pure	ADJ
cblr-1739	1025	5	information	information	NOUN
cblr-1739	1025	6	,	,	PUNCT
cblr-1739	1025	7	’	'	PUNCT
cblr-1739	1025	8	and	and	CCONJ
cblr-1739	1025	9	the	the	DET
cblr-1739	1025	10	sec	sec	PROPN
cblr-1739	1025	11	disclosure	disclosure	NOUN
cblr-1739	1025	12	paradigm	paradigm	NOUN
cblr-1739	1025	13	,	,	PUNCT
cblr-1739	1025	14	90	90	NUM
cblr-1739	1025	15	tex	tex	PROPN
cblr-1739	1025	16	.	.	PROPN
cblr-1739	1025	17	l.	l.	PROPN
cblr-1739	1025	18	rev	rev	PROPN
cblr-1739	1025	19	.	.	PROPN
cblr-1739	1025	20	1601	1601	NUM
cblr-1739	1025	21	(	(	PUNCT
cblr-1739	1025	22	2012	2012	NUM
cblr-1739	1025	23	)	)	PUNCT
cblr-1739	1025	24	.	.	PUNCT
cblr-1739	1026	1	271	271	NUM
cblr-1739	1026	2	see	see	VERB
cblr-1739	1026	3	,	,	PUNCT
cblr-1739	1026	4	e.g.	e.g.	ADV
cblr-1739	1026	5	,	,	PUNCT
cblr-1739	1026	6	emilios	emilio	VERB
cblr-1739	1026	7	avgouleas	avgouleas	PROPN
cblr-1739	1026	8	,	,	PUNCT
cblr-1739	1026	9	the	the	DET
cblr-1739	1026	10	global	global	ADJ
cblr-1739	1026	11	financial	financial	ADJ
cblr-1739	1026	12	crisis	crisis	NOUN
cblr-1739	1026	13	and	and	CCONJ
cblr-1739	1026	14	the	the	DET
cblr-1739	1026	15	disclosure	disclosure	NOUN
cblr-1739	1026	16	paradigm	paradigm	NOUN
cblr-1739	1026	17	in	in	ADP
cblr-1739	1026	18	european	european	ADJ
cblr-1739	1026	19	financial	financial	ADJ
cblr-1739	1026	20	regulation	regulation	NOUN
cblr-1739	1026	21	:	:	PUNCT
cblr-1739	1026	22	the	the	DET
cblr-1739	1026	23	case	case	NOUN
cblr-1739	1026	24	for	for	ADP
cblr-1739	1026	25	reform	reform	NOUN
cblr-1739	1026	26	,	,	PUNCT
cblr-1739	1026	27	6	6	NUM
cblr-1739	1026	28	eur	eur	NOUN
cblr-1739	1026	29	.	.	PUNCT
cblr-1739	1026	30	company	company	NOUN
cblr-1739	1026	31	&	&	CCONJ
cblr-1739	1026	32	fin	fin	PROPN
cblr-1739	1026	33	.	.	PUNCT
cblr-1739	1027	1	l.	l.	PROPN
cblr-1739	1027	2	rev	rev	PROPN
cblr-1739	1027	3	.	.	PROPN
cblr-1739	1027	4	440	440	NUM
cblr-1739	1027	5	(	(	PUNCT
cblr-1739	1027	6	2009	2009	NUM
cblr-1739	1027	7	)	)	PUNCT
cblr-1739	1027	8	.	.	PUNCT
cblr-1739	1028	1	for	for	ADP
cblr-1739	1028	2	example	example	NOUN
cblr-1739	1028	3	,	,	PUNCT
cblr-1739	1028	4	even	even	ADV
cblr-1739	1028	5	with	with	ADP
cblr-1739	1028	6	detailed	detailed	ADJ
cblr-1739	1028	7	annual	annual	ADJ
cblr-1739	1028	8	reports	report	NOUN
cblr-1739	1028	9	mandated	mandate	VERB
cblr-1739	1028	10	by	by	ADP
cblr-1739	1028	11	the	the	DET
cblr-1739	1028	12	dodd	dodd	PROPN
cblr-1739	1028	13	-	-	PUNCT
cblr-1739	1028	14	frank	frank	PROPN
cblr-1739	1028	15	act	act	PROPN
cblr-1739	1028	16	,	,	PUNCT
cblr-1739	1028	17	highly	highly	ADV
cblr-1739	1028	18	sophisticated	sophisticated	ADJ
cblr-1739	1028	19	investors	investor	NOUN
cblr-1739	1028	20	and	and	CCONJ
cblr-1739	1028	21	government	government	NOUN
cblr-1739	1028	22	agencies	agency	NOUN
cblr-1739	1028	23	still	still	ADV
cblr-1739	1028	24	do	do	AUX
cblr-1739	1028	25	not	not	PART
cblr-1739	1028	26	know	know	VERB
cblr-1739	1028	27	enough	enough	ADJ
cblr-1739	1028	28	about	about	ADP
cblr-1739	1028	29	the	the	DET
cblr-1739	1028	30	risk	risk	NOUN
cblr-1739	1028	31	-	-	PUNCT
cblr-1739	1028	32	assessment	assessment	NOUN
cblr-1739	1028	33	and	and	CCONJ
cblr-1739	1028	34	financial	financial	ADJ
cblr-1739	1028	35	standing	standing	NOUN
cblr-1739	1028	36	of	of	ADP
cblr-1739	1028	37	some	some	DET
cblr-1739	1028	38	financial	financial	ADJ
cblr-1739	1028	39	institutions	institution	NOUN
cblr-1739	1028	40	.	.	PUNCT
cblr-1739	1029	1	this	this	PRON
cblr-1739	1029	2	resulted	result	VERB
cblr-1739	1029	3	in	in	ADP
cblr-1739	1029	4	referring	refer	VERB
cblr-1739	1029	5	to	to	ADP
cblr-1739	1029	6	some	some	DET
cblr-1739	1029	7	big	big	ADJ
cblr-1739	1029	8	banks	bank	NOUN
cblr-1739	1029	9	as	as	ADP
cblr-1739	1029	10	not	not	PART
cblr-1739	1029	11	only	only	ADV
cblr-1739	1029	12	too	too	ADV
cblr-1739	1029	13	big	big	ADJ
cblr-1739	1029	14	to	to	PART
cblr-1739	1029	15	fail	fail	VERB
cblr-1739	1029	16	,	,	PUNCT
cblr-1739	1029	17	but	but	CCONJ
cblr-1739	1029	18	also	also	ADV
cblr-1739	1029	19	too	too	ADV
cblr-1739	1029	20	complex	complex	ADJ
cblr-1739	1029	21	to	to	PART
cblr-1739	1029	22	depict	depict	VERB
cblr-1739	1029	23	.	.	PUNCT
cblr-1739	1030	1	see	see	VERB
cblr-1739	1030	2	hu	hu	PROPN
cblr-1739	1030	3	,	,	PUNCT
cblr-1739	1030	4	supra	supra	PROPN
cblr-1739	1030	5	note	note	PROPN
cblr-1739	1030	6	270	270	NUM
cblr-1739	1030	7	,	,	PUNCT
cblr-1739	1030	8	at	at	ADP
cblr-1739	1030	9	1713	1713	NUM
cblr-1739	1030	10	–	–	PUNCT
cblr-1739	1030	11	14	14	NUM
cblr-1739	1030	12	;	;	PUNCT
cblr-1739	1030	13	see	see	VERB
cblr-1739	1030	14	also	also	ADV
cblr-1739	1030	15	omri	omri	PROPN
cblr-1739	1030	16	ben	ben	PROPN
cblr-1739	1030	17	-	-	PROPN
cblr-1739	1030	18	shahar	shahar	PROPN
cblr-1739	1030	19	&	&	CCONJ
cblr-1739	1030	20	carl	carl	PROPN
cblr-1739	1030	21	e.	e.	PROPN
cblr-1739	1030	22	schneider	schneider	PROPN
cblr-1739	1030	23	,	,	PUNCT
cblr-1739	1030	24	the	the	DET
cblr-1739	1030	25	failure	failure	NOUN
cblr-1739	1030	26	of	of	ADP
cblr-1739	1030	27	mandated	mandate	VERB
cblr-1739	1030	28	disclosure	disclosure	NOUN
cblr-1739	1030	29	,	,	PUNCT
cblr-1739	1030	30	159	159	NUM
cblr-1739	1030	31	u.	u.	NOUN
cblr-1739	1030	32	pa	pa	PROPN
cblr-1739	1030	33	.	.	PUNCT
cblr-1739	1030	34	l.	l.	PROPN
cblr-1739	1030	35	rev	rev	PROPN
cblr-1739	1030	36	.	.	PROPN
cblr-1739	1031	1	647	647	NUM
cblr-1739	1031	2	(	(	PUNCT
cblr-1739	1031	3	2011	2011	NUM
cblr-1739	1031	4	)	)	PUNCT
cblr-1739	1031	5	(	(	PUNCT
cblr-1739	1031	6	arguing	argue	VERB
cblr-1739	1031	7	that	that	SCONJ
cblr-1739	1031	8	mandated	mandate	VERB
cblr-1739	1031	9	disclosure	disclosure	NOUN
cblr-1739	1031	10	not	not	PART
cblr-1739	1031	11	only	only	ADV
cblr-1739	1031	12	fails	fail	VERB
cblr-1739	1031	13	to	to	PART
cblr-1739	1031	14	achieve	achieve	VERB
cblr-1739	1031	15	its	its	PRON
cblr-1739	1031	16	stated	stated	ADJ
cblr-1739	1031	17	goal	goal	NOUN
cblr-1739	1031	18	but	but	CCONJ
cblr-1739	1031	19	also	also	ADV
cblr-1739	1031	20	leads	lead	VERB
cblr-1739	1031	21	to	to	ADP
cblr-1739	1031	22	unintended	unintended	ADJ
cblr-1739	1031	23	consequences	consequence	NOUN
cblr-1739	1031	24	that	that	PRON
cblr-1739	1031	25	often	often	ADV
cblr-1739	1031	26	harm	harm	VERB
cblr-1739	1031	27	the	the	DET
cblr-1739	1031	28	very	very	ADJ
cblr-1739	1031	29	people	people	NOUN
cblr-1739	1031	30	it	it	PRON
cblr-1739	1031	31	intends	intend	VERB
cblr-1739	1031	32	to	to	PART
cblr-1739	1031	33	serve	serve	VERB
cblr-1739	1031	34	)	)	PUNCT
cblr-1739	1031	35	;	;	PUNCT
cblr-1739	1031	36	jeff	jeff	PROPN
cblr-1739	1031	37	sovern	sovern	PROPN
cblr-1739	1031	38	,	,	PUNCT
cblr-1739	1031	39	preventing	prevent	VERB
cblr-1739	1031	40	future	future	ADJ
cblr-1739	1031	41	economic	economic	ADJ
cblr-1739	1031	42	crises	crisis	NOUN
cblr-1739	1031	43	through	through	ADP
cblr-1739	1031	44	consumer	consumer	NOUN
cblr-1739	1031	45	protection	protection	NOUN
cblr-1739	1031	46	law	law	NOUN
cblr-1739	1031	47	or	or	CCONJ
cblr-1739	1031	48	how	how	SCONJ
cblr-1739	1031	49	the	the	DET
cblr-1739	1031	50	truth	truth	NOUN
cblr-1739	1031	51	in	in	ADP
cblr-1739	1031	52	lending	lending	NOUN
cblr-1739	1031	53	act	act	NOUN
cblr-1739	1031	54	failed	fail	VERB
cblr-1739	1031	55	the	the	DET
cblr-1739	1031	56	subprime	subprime	ADJ
cblr-1739	1031	57	borrowers	borrower	NOUN
cblr-1739	1031	58	,	,	PUNCT
cblr-1739	1031	59	71	71	NUM
cblr-1739	1031	60	ohio	ohio	PROPN
cblr-1739	1031	61	st	st	PROPN
cblr-1739	1031	62	.	.	PROPN
cblr-1739	1031	63	l.j	l.j	PROPN
cblr-1739	1031	64	.	.	PROPN
cblr-1739	1031	65	761	761	NUM
cblr-1739	1031	66	(	(	PUNCT
cblr-1739	1031	67	2010	2010	NUM
cblr-1739	1031	68	)	)	PUNCT
cblr-1739	1031	69	(	(	PUNCT
cblr-1739	1031	70	suggesting	suggest	VERB
cblr-1739	1031	71	a	a	DET
cblr-1739	1031	72	switch	switch	NOUN
cblr-1739	1031	73	from	from	ADP
cblr-1739	1031	74	the	the	DET
cblr-1739	1031	75	current	current	ADJ
cblr-1739	1031	76	tila	tila	PROPN
cblr-1739	1031	77	disclosure	disclosure	NOUN
cblr-1739	1031	78	regime	regime	NOUN
cblr-1739	1031	79	to	to	ADP
cblr-1739	1031	80	a	a	DET
cblr-1739	1031	81	comprehension	comprehension	NOUN
cblr-1739	1031	82	regime	regime	NOUN
cblr-1739	1031	83	under	under	ADP
cblr-1739	1031	84	which	which	PRON
cblr-1739	1031	85	lenders	lender	NOUN
cblr-1739	1031	86	would	would	AUX
cblr-1739	1031	87	be	be	AUX
cblr-1739	1031	88	obliged	oblige	VERB
cblr-1739	1031	89	to	to	PART
cblr-1739	1031	90	insure	insure	VERB
cblr-1739	1031	91	that	that	SCONJ
cblr-1739	1031	92	borrowers	borrower	NOUN
cblr-1739	1031	93	understand	understand	VERB
cblr-1739	1031	94	their	their	PRON
cblr-1739	1031	95	loan	loan	NOUN
cblr-1739	1031	96	terms	term	NOUN
cblr-1739	1031	97	,	,	PUNCT
cblr-1739	1031	98	or	or	CCONJ
cblr-1739	1031	99	that	that	SCONJ
cblr-1739	1031	100	lenders	lender	NOUN
cblr-1739	1031	101	should	should	AUX
cblr-1739	1031	102	be	be	AUX
cblr-1739	1031	103	required	require	VERB
cblr-1739	1031	104	to	to	PART
cblr-1739	1031	105	determine	determine	VERB
cblr-1739	1031	106	what	what	DET
cblr-1739	1031	107	proportion	proportion	NOUN
cblr-1739	1031	108	of	of	ADP
cblr-1739	1031	109	their	their	PRON
cblr-1739	1031	110	borrowers	borrower	NOUN
cblr-1739	1031	111	understand	understand	VERB
cblr-1739	1031	112	their	their	PRON
cblr-1739	1031	113	loan	loan	NOUN
cblr-1739	1031	114	terms	term	NOUN
cblr-1739	1031	115	and	and	CCONJ
cblr-1739	1031	116	disclose	disclose	VERB
cblr-1739	1031	117	those	those	DET
cblr-1739	1031	118	figures	figure	NOUN
cblr-1739	1031	119	with	with	ADP
cblr-1739	1031	120	the	the	DET
cblr-1739	1031	121	goal	goal	NOUN
cblr-1739	1031	122	of	of	ADP
cblr-1739	1031	123	generating	generate	VERB
cblr-1739	1031	124	competition	competition	NOUN
cblr-1739	1031	125	among	among	ADP
cblr-1739	1031	126	lenders	lender	NOUN
cblr-1739	1031	127	for	for	ADP
cblr-1739	1031	128	better	well	ADJ
cblr-1739	1031	129	comprehension	comprehension	NOUN
cblr-1739	1031	130	scores	score	NOUN
cblr-1739	1031	131	)	)	PUNCT
cblr-1739	1031	132	.	.	PUNCT
cblr-1739	1032	1	geslevich	geslevich	PROPN
cblr-1739	1032	2	packin	packin	PROPN
cblr-1739	1032	3	&	&	CCONJ
cblr-1739	1032	4	lev	lev	PROPN
cblr-1739	1032	5	-	-	PUNCT
cblr-1739	1032	6	aretz	aretz	PROPN
cblr-1739	1032	7	–	–	PUNCT
cblr-1739	1032	8	final	final	ADJ
cblr-1739	1032	9	no	no	NOUN
cblr-1739	1032	10	.	.	PUNCT
cblr-1739	1033	1	2:339	2:339	NUM
cblr-1739	1033	2	]	]	X
cblr-1739	1033	3	on	on	ADP
cblr-1739	1033	4	social	social	ADJ
cblr-1739	1033	5	credit	credit	NOUN
cblr-1739	1033	6	411	411	NUM
cblr-1739	1033	7	representations	representation	NOUN
cblr-1739	1033	8	are	be	AUX
cblr-1739	1033	9	based.272	based.272	ADJ
cblr-1739	1033	10	opaque	opaque	ADJ
cblr-1739	1033	11	algorithmic	algorithmic	ADJ
cblr-1739	1033	12	decisionmaking	decisionmaking	NOUN
cblr-1739	1033	13	and	and	CCONJ
cblr-1739	1033	14	unsupervised	unsupervised	ADJ
cblr-1739	1033	15	machine	machine	NOUN
cblr-1739	1033	16	learning	learning	NOUN
cblr-1739	1033	17	design	design	NOUN
cblr-1739	1033	18	further	far	ADV
cblr-1739	1033	19	exacerbates	exacerbate	VERB
cblr-1739	1033	20	this	this	DET
cblr-1739	1033	21	complexity.273	complexity.273	NOUN
cblr-1739	1033	22	merely	merely	ADV
cblr-1739	1033	23	requiring	require	VERB
cblr-1739	1033	24	institutions	institution	NOUN
cblr-1739	1033	25	to	to	PART
cblr-1739	1033	26	reveal	reveal	VERB
cblr-1739	1033	27	more	more	ADJ
cblr-1739	1033	28	information	information	NOUN
cblr-1739	1033	29	is	be	AUX
cblr-1739	1033	30	unlikely	unlikely	ADJ
cblr-1739	1033	31	to	to	PART
cblr-1739	1033	32	result	result	VERB
cblr-1739	1033	33	in	in	ADP
cblr-1739	1033	34	a	a	DET
cblr-1739	1033	35	truly	truly	ADV
cblr-1739	1033	36	informed	inform	VERB
cblr-1739	1033	37	environment	environment	NOUN
cblr-1739	1033	38	for	for	ADP
cblr-1739	1033	39	consumers,274	consumers,274	PROPN
cblr-1739	1033	40	especially	especially	ADV
cblr-1739	1033	41	because	because	SCONJ
cblr-1739	1033	42	information	information	NOUN
cblr-1739	1033	43	systems	system	NOUN
cblr-1739	1033	44	are	be	AUX
cblr-1739	1033	45	so	so	ADV
cblr-1739	1033	46	complex	complex	ADJ
cblr-1739	1033	47	,	,	PUNCT
cblr-1739	1033	48	that	that	SCONJ
cblr-1739	1033	49	sometimes	sometimes	ADV
cblr-1739	1033	50	even	even	ADV
cblr-1739	1033	51	those	those	PRON
cblr-1739	1033	52	disclosing	disclose	VERB
cblr-1739	1033	53	the	the	DET
cblr-1739	1033	54	information	information	NOUN
cblr-1739	1033	55	do	do	AUX
cblr-1739	1033	56	not	not	PART
cblr-1739	1033	57	fully	fully	ADV
cblr-1739	1033	58	understand	understand	VERB
cblr-1739	1033	59	it	it	PRON
cblr-1739	1033	60	and	and	CCONJ
cblr-1739	1033	61	appreciate	appreciate	VERB
cblr-1739	1033	62	its	its	PRON
cblr-1739	1033	63	implications.275	implications.275	PROPN
cblr-1739	1033	64	bounded	bound	VERB
cblr-1739	1033	65	rationality276	rationality276	PROPN
cblr-1739	1033	66	and	and	CCONJ
cblr-1739	1033	67	cognitive	cognitive	ADJ
cblr-1739	1033	68	biases277	biases277	PROPN
cblr-1739	1033	69	similarly	similarly	ADV
cblr-1739	1033	70	prevent	prevent	VERB
cblr-1739	1033	71	decision	decision	NOUN
cblr-1739	1033	72	-	-	PUNCT
cblr-1739	1033	73	makers	maker	NOUN
cblr-1739	1033	74	from	from	ADP
cblr-1739	1033	75	fully	fully	ADV
cblr-1739	1033	76	understanding	understanding	NOUN
cblr-1739	1033	77	and	and	CCONJ
cblr-1739	1033	78	appropriately	appropriately	ADV
cblr-1739	1033	79	monitoring	monitor	VERB
cblr-1739	1033	80	financial	financial	ADJ
cblr-1739	1033	81	markets	market	NOUN
cblr-1739	1033	82	.	.	PUNCT
cblr-1739	1034	1	as	as	ADP
cblr-1739	1034	2	boundedly	boundedly	ADV
cblr-1739	1034	3	rational	rational	ADJ
cblr-1739	1034	4	constituencies	constituency	NOUN
cblr-1739	1034	5	,	,	PUNCT
cblr-1739	1034	6	decision	decision	NOUN
cblr-1739	1034	7	-	-	PUNCT
cblr-1739	1034	8	makers	maker	NOUN
cblr-1739	1034	9	lack	lack	VERB
cblr-1739	1034	10	the	the	DET
cblr-1739	1034	11	information	information	NOUN
cblr-1739	1034	12	,	,	PUNCT
cblr-1739	1034	13	time	time	NOUN
cblr-1739	1034	14	,	,	PUNCT
cblr-1739	1034	15	and	and	CCONJ
cblr-1739	1034	16	incentives	incentive	VERB
cblr-1739	1034	17	to	to	PART
cblr-1739	1034	18	perform	perform	VERB
cblr-1739	1034	19	an	an	DET
cblr-1739	1034	20	inclusive	inclusive	ADJ
cblr-1739	1034	21	due	due	ADJ
cblr-1739	1034	22	diligence	diligence	NOUN
cblr-1739	1034	23	on	on	ADP
cblr-1739	1034	24	the	the	DET
cblr-1739	1034	25	financial	financial	ADJ
cblr-1739	1034	26	markets	market	NOUN
cblr-1739	1034	27	’	'	PUNCT
cblr-1739	1034	28	various	various	ADJ
cblr-1739	1034	29	services	service	NOUN
cblr-1739	1034	30	and	and	CCONJ
cblr-1739	1034	31	272	272	NUM
cblr-1739	1034	32	see	see	VERB
cblr-1739	1034	33	avgouleas	avgouleas	PROPN
cblr-1739	1034	34	,	,	PUNCT
cblr-1739	1034	35	supra	supra	PROPN
cblr-1739	1034	36	note	note	PROPN
cblr-1739	1034	37	271	271	NUM
cblr-1739	1034	38	.	.	PUNCT
cblr-1739	1034	39	273	273	NUM
cblr-1739	1034	40	see	see	VERB
cblr-1739	1034	41	supra	supra	PROPN
cblr-1739	1034	42	part	part	PROPN
cblr-1739	1034	43	vi	vi	PROPN
cblr-1739	1034	44	.	.	PROPN
cblr-1739	1034	45	274	274	NUM
cblr-1739	1034	46	see	see	NOUN
cblr-1739	1034	47	,	,	PUNCT
cblr-1739	1034	48	e.g.	e.g.	ADV
cblr-1739	1034	49	,	,	PUNCT
cblr-1739	1034	50	nizan	nizan	NOUN
cblr-1739	1034	51	geslevich	geslevich	NOUN
cblr-1739	1034	52	packin	packin	NOUN
cblr-1739	1034	53	,	,	PUNCT
cblr-1739	1034	54	the	the	DET
cblr-1739	1034	55	case	case	NOUN
cblr-1739	1034	56	against	against	ADP
cblr-1739	1034	57	the	the	DET
cblr-1739	1034	58	doddfrank	doddfrank	PROPN
cblr-1739	1034	59	act	act	PROPN
cblr-1739	1034	60	’s	’s	PART
cblr-1739	1034	61	living	live	VERB
cblr-1739	1034	62	wills	will	NOUN
cblr-1739	1034	63	:	:	PUNCT
cblr-1739	1034	64	contingency	contingency	NOUN
cblr-1739	1034	65	planning	planning	NOUN
cblr-1739	1034	66	following	follow	VERB
cblr-1739	1034	67	the	the	DET
cblr-1739	1034	68	financial	financial	ADJ
cblr-1739	1034	69	crisis	crisis	NOUN
cblr-1739	1034	70	,	,	PUNCT
cblr-1739	1034	71	9	9	NUM
cblr-1739	1034	72	berkeley	berkeley	PROPN
cblr-1739	1034	73	bus	bus	NOUN
cblr-1739	1034	74	.	.	PUNCT
cblr-1739	1035	1	l.j	l.j	AUX
cblr-1739	1035	2	.	.	PROPN
cblr-1739	1035	3	29	29	NUM
cblr-1739	1035	4	(	(	PUNCT
cblr-1739	1035	5	2012	2012	NUM
cblr-1739	1035	6	)	)	PUNCT
cblr-1739	1035	7	(	(	PUNCT
cblr-1739	1035	8	arguing	argue	VERB
cblr-1739	1035	9	that	that	SCONJ
cblr-1739	1035	10	that	that	SCONJ
cblr-1739	1035	11	the	the	DET
cblr-1739	1035	12	biggest	big	ADJ
cblr-1739	1035	13	financial	financial	ADJ
cblr-1739	1035	14	institutions	institution	NOUN
cblr-1739	1035	15	’	'	PUNCT
cblr-1739	1035	16	annually	annually	ADV
cblr-1739	1035	17	mandated	mandate	VERB
cblr-1739	1035	18	contingency	contingency	NOUN
cblr-1739	1035	19	plans	plan	NOUN
cblr-1739	1035	20	are	be	AUX
cblr-1739	1035	21	mainly	mainly	ADV
cblr-1739	1035	22	a	a	DET
cblr-1739	1035	23	disclosure	disclosure	NOUN
cblr-1739	1035	24	requirement	requirement	NOUN
cblr-1739	1035	25	with	with	ADP
cblr-1739	1035	26	limited	limited	ADJ
cblr-1739	1035	27	power	power	NOUN
cblr-1739	1035	28	;	;	PUNCT
cblr-1739	1035	29	accordingly	accordingly	ADV
cblr-1739	1035	30	,	,	PUNCT
cblr-1739	1035	31	living	living	NOUN
cblr-1739	1035	32	wills	will	NOUN
cblr-1739	1035	33	should	should	AUX
cblr-1739	1035	34	not	not	PART
cblr-1739	1035	35	be	be	AUX
cblr-1739	1035	36	perceived	perceive	VERB
cblr-1739	1035	37	as	as	ADP
cblr-1739	1035	38	a	a	DET
cblr-1739	1035	39	satisfactory	satisfactory	ADJ
cblr-1739	1035	40	regulatory	regulatory	ADJ
cblr-1739	1035	41	solution	solution	NOUN
cblr-1739	1035	42	to	to	ADP
cblr-1739	1035	43	the	the	DET
cblr-1739	1035	44	too	too	ADV
cblr-1739	1035	45	-	-	PUNCT
cblr-1739	1035	46	big	big	ADJ
cblr-1739	1035	47	-	-	PUNCT
cblr-1739	1035	48	to	to	ADP
cblr-1739	1035	49	-	-	PUNCT
cblr-1739	1035	50	fail	fail	VERB
cblr-1739	1035	51	problem	problem	NOUN
cblr-1739	1035	52	)	)	PUNCT
cblr-1739	1035	53	;	;	PUNCT
cblr-1739	1035	54	david	david	PROPN
cblr-1739	1035	55	skeel	skeel	PROPN
cblr-1739	1035	56	,	,	PUNCT
cblr-1739	1035	57	the	the	DET
cblr-1739	1035	58	new	new	ADJ
cblr-1739	1035	59	financial	financial	ADJ
cblr-1739	1035	60	deal	deal	NOUN
cblr-1739	1035	61	:	:	PUNCT
cblr-1739	1035	62	understanding	understand	VERB
cblr-1739	1035	63	the	the	DET
cblr-1739	1035	64	dodd	dodd	PROPN
cblr-1739	1035	65	-	-	PUNCT
cblr-1739	1035	66	frank	frank	PROPN
cblr-1739	1035	67	act	act	PROPN
cblr-1739	1035	68	and	and	CCONJ
cblr-1739	1035	69	its	its	PRON
cblr-1739	1035	70	(	(	PUNCT
cblr-1739	1035	71	unintended	unintended	ADJ
cblr-1739	1035	72	)	)	PUNCT
cblr-1739	1035	73	consequences	consequence	NOUN
cblr-1739	1035	74	185	185	NUM
cblr-1739	1035	75	(	(	PUNCT
cblr-1739	1035	76	2010	2010	NUM
cblr-1739	1035	77	)	)	PUNCT
cblr-1739	1035	78	(	(	PUNCT
cblr-1739	1035	79	stating	state	VERB
cblr-1739	1035	80	that	that	SCONJ
cblr-1739	1035	81	living	living	NOUN
cblr-1739	1035	82	wills	will	NOUN
cblr-1739	1035	83	in	in	ADP
cblr-1739	1035	84	essence	essence	NOUN
cblr-1739	1035	85	are	be	AUX
cblr-1739	1035	86	merely	merely	ADV
cblr-1739	1035	87	a	a	DET
cblr-1739	1035	88	type	type	NOUN
cblr-1739	1035	89	of	of	ADP
cblr-1739	1035	90	a	a	DET
cblr-1739	1035	91	disclosure	disclosure	NOUN
cblr-1739	1035	92	requirement	requirement	NOUN
cblr-1739	1035	93	,	,	PUNCT
cblr-1739	1035	94	and	and	CCONJ
cblr-1739	1035	95	not	not	PART
cblr-1739	1035	96	enough	enough	ADJ
cblr-1739	1035	97	to	to	PART
cblr-1739	1035	98	potentially	potentially	ADV
cblr-1739	1035	99	prevent	prevent	VERB
cblr-1739	1035	100	another	another	DET
cblr-1739	1035	101	too	too	ADV
cblr-1739	1035	102	big	big	ADJ
cblr-1739	1035	103	to	to	PART
cblr-1739	1035	104	fail	fail	VERB
cblr-1739	1035	105	scenario	scenario	NOUN
cblr-1739	1035	106	)	)	PUNCT
cblr-1739	1035	107	.	.	PUNCT
cblr-1739	1036	1	275	275	NUM
cblr-1739	1036	2	see	see	VERB
cblr-1739	1036	3	hu	hu	PROPN
cblr-1739	1036	4	,	,	PUNCT
cblr-1739	1036	5	supra	supra	PROPN
cblr-1739	1036	6	note	note	PROPN
cblr-1739	1036	7	270	270	NUM
cblr-1739	1036	8	;	;	PUNCT
cblr-1739	1036	9	see	see	AUX
cblr-1739	1036	10	also	also	ADV
cblr-1739	1036	11	emilios	emilio	VERB
cblr-1739	1036	12	avgouleas	avgouleas	PROPN
cblr-1739	1036	13	,	,	PUNCT
cblr-1739	1036	14	what	what	DET
cblr-1739	1036	15	future	future	NOUN
cblr-1739	1036	16	for	for	ADP
cblr-1739	1036	17	disclosure	disclosure	NOUN
cblr-1739	1036	18	as	as	ADP
cblr-1739	1036	19	a	a	DET
cblr-1739	1036	20	regulatory	regulatory	ADJ
cblr-1739	1036	21	technique	technique	NOUN
cblr-1739	1036	22	?	?	PUNCT
cblr-1739	1037	1	lessons	lesson	NOUN
cblr-1739	1037	2	from	from	ADP
cblr-1739	1037	3	the	the	DET
cblr-1739	1037	4	global	global	ADJ
cblr-1739	1037	5	financial	financial	ADJ
cblr-1739	1037	6	crisis	crisis	NOUN
cblr-1739	1037	7	and	and	CCONJ
cblr-1739	1037	8	beyond	beyond	ADP
cblr-1739	1037	9	(	(	PUNCT
cblr-1739	1037	10	mar	mar	PROPN
cblr-1739	1037	11	.	.	PROPN
cblr-1739	1037	12	26	26	NUM
cblr-1739	1037	13	,	,	PUNCT
cblr-1739	1037	14	2009	2009	NUM
cblr-1739	1037	15	)	)	PUNCT
cblr-1739	1037	16	(	(	PUNCT
cblr-1739	1037	17	unpublished	unpublished	ADJ
cblr-1739	1037	18	manuscript	manuscript	NOUN
cblr-1739	1037	19	)	)	PUNCT
cblr-1739	1037	20	,	,	PUNCT
cblr-1739	1037	21	http://ssrn.com/abstract=1369004	http://ssrn.com/abstract=1369004	VERB
cblr-1739	1037	22	[	[	X
cblr-1739	1037	23	http://perma.cc/me5g-96n6	http://perma.cc/me5g-96n6	NOUN
cblr-1739	1037	24	]	]	X
cblr-1739	1037	25	(	(	PUNCT
cblr-1739	1037	26	arguing	argue	VERB
cblr-1739	1037	27	that	that	SCONJ
cblr-1739	1037	28	in	in	ADP
cblr-1739	1037	29	specific	specific	ADJ
cblr-1739	1037	30	contexts	context	NOUN
cblr-1739	1037	31	,	,	PUNCT
cblr-1739	1037	32	such	such	ADJ
cblr-1739	1037	33	as	as	ADP
cblr-1739	1037	34	the	the	DET
cblr-1739	1037	35	field	field	NOUN
cblr-1739	1037	36	of	of	ADP
cblr-1739	1037	37	prudential	prudential	ADJ
cblr-1739	1037	38	regulation	regulation	NOUN
cblr-1739	1037	39	of	of	ADP
cblr-1739	1037	40	banks	bank	NOUN
cblr-1739	1037	41	,	,	PUNCT
cblr-1739	1037	42	disclosure	disclosure	NOUN
cblr-1739	1037	43	will	will	AUX
cblr-1739	1037	44	only	only	ADV
cblr-1739	1037	45	work	work	VERB
cblr-1739	1037	46	if	if	SCONJ
cblr-1739	1037	47	it	it	PRON
cblr-1739	1037	48	is	be	AUX
cblr-1739	1037	49	supplemented	supplement	VERB
cblr-1739	1037	50	by	by	ADP
cblr-1739	1037	51	protective	protective	ADJ
cblr-1739	1037	52	regulation	regulation	NOUN
cblr-1739	1037	53	)	)	PUNCT
cblr-1739	1037	54	.	.	PUNCT
cblr-1739	1038	1	276	276	NUM
cblr-1739	1038	2	see	see	VERB
cblr-1739	1038	3	herbert	herbert	PROPN
cblr-1739	1038	4	simon	simon	PROPN
cblr-1739	1038	5	,	,	PUNCT
cblr-1739	1038	6	a	a	DET
cblr-1739	1038	7	behavioral	behavioral	ADJ
cblr-1739	1038	8	model	model	NOUN
cblr-1739	1038	9	of	of	ADP
cblr-1739	1038	10	rational	rational	ADJ
cblr-1739	1038	11	choice	choice	NOUN
cblr-1739	1038	12	,	,	PUNCT
cblr-1739	1038	13	69	69	NUM
cblr-1739	1038	14	q.j	q.j	PROPN
cblr-1739	1038	15	.	.	PROPN
cblr-1739	1038	16	econ	econ	PROPN
cblr-1739	1038	17	.	.	PUNCT
cblr-1739	1039	1	99	99	NUM
cblr-1739	1039	2	(	(	PUNCT
cblr-1739	1039	3	1955	1955	NUM
cblr-1739	1039	4	)	)	PUNCT
cblr-1739	1039	5	;	;	PUNCT
cblr-1739	1040	1	herbert	herbert	PROPN
cblr-1739	1040	2	simon	simon	PROPN
cblr-1739	1040	3	,	,	PUNCT
cblr-1739	1040	4	rationality	rationality	NOUN
cblr-1739	1040	5	as	as	ADP
cblr-1739	1040	6	process	process	NOUN
cblr-1739	1040	7	and	and	CCONJ
cblr-1739	1040	8	product	product	NOUN
cblr-1739	1040	9	of	of	ADP
cblr-1739	1040	10	thought	thought	NOUN
cblr-1739	1040	11	68	68	NUM
cblr-1739	1040	12	am	am	NOUN
cblr-1739	1040	13	.	.	PUNCT
cblr-1739	1041	1	econ	econ	PROPN
cblr-1739	1041	2	.	.	PUNCT
cblr-1739	1042	1	rev	rev	PROPN
cblr-1739	1042	2	.	.	PROPN
cblr-1739	1042	3	:	:	PUNCT
cblr-1739	1043	1	papers	paper	NOUN
cblr-1739	1043	2	&	&	CCONJ
cblr-1739	1043	3	proc	proc	PROPN
cblr-1739	1043	4	.	.	PROPN
cblr-1739	1044	1	1	1	NUM
cblr-1739	1044	2	,	,	PUNCT
cblr-1739	1044	3	1–16	1–16	NOUN
cblr-1739	1044	4	(	(	PUNCT
cblr-1739	1044	5	1978	1978	NUM
cblr-1739	1044	6	)	)	PUNCT
cblr-1739	1044	7	.	.	PUNCT
cblr-1739	1045	1	277	277	NUM
cblr-1739	1045	2	see	see	VERB
cblr-1739	1045	3	emilios	emilio	NOUN
cblr-1739	1045	4	avgouleas	avgouleas	PROPN
cblr-1739	1045	5	,	,	PUNCT
cblr-1739	1045	6	reforming	reform	VERB
cblr-1739	1045	7	investor	investor	NOUN
cblr-1739	1045	8	protection	protection	NOUN
cblr-1739	1045	9	regulation	regulation	NOUN
cblr-1739	1045	10	:	:	PUNCT
cblr-1739	1045	11	the	the	DET
cblr-1739	1045	12	impact	impact	NOUN
cblr-1739	1045	13	of	of	ADP
cblr-1739	1045	14	cognitive	cognitive	ADJ
cblr-1739	1045	15	biases	bias	NOUN
cblr-1739	1045	16	,	,	PUNCT
cblr-1739	1045	17	in	in	ADP
cblr-1739	1045	18	essays	essay	NOUN
cblr-1739	1045	19	in	in	ADP
cblr-1739	1045	20	the	the	DET
cblr-1739	1045	21	law	law	NOUN
cblr-1739	1045	22	and	and	CCONJ
cblr-1739	1045	23	economics	economic	NOUN
cblr-1739	1045	24	of	of	ADP
cblr-1739	1045	25	regulation	regulation	NOUN
cblr-1739	1045	26	in	in	ADP
cblr-1739	1045	27	honor	honor	NOUN
cblr-1739	1045	28	of	of	ADP
cblr-1739	1045	29	anthony	anthony	PROPN
cblr-1739	1045	30	ogus	ogus	PROPN
cblr-1739	1045	31	143	143	PROPN
cblr-1739	1045	32	(	(	PUNCT
cblr-1739	1045	33	m.	m.	PROPN
cblr-1739	1045	34	faure	faure	PROPN
cblr-1739	1045	35	&	&	CCONJ
cblr-1739	1045	36	f.	f.	PROPN
cblr-1739	1045	37	stephen	stephen	PROPN
cblr-1739	1046	1	eds	eds	PROPN
cblr-1739	1046	2	.	.	PROPN
cblr-1739	1046	3	,	,	PUNCT
cblr-1739	1046	4	2008	2008	NUM
cblr-1739	1046	5	)	)	PUNCT
cblr-1739	1046	6	.	.	PUNCT
cblr-1739	1047	1	geslevich	geslevich	PROPN
cblr-1739	1047	2	packin	packin	PROPN
cblr-1739	1047	3	&	&	CCONJ
cblr-1739	1047	4	lev	lev	PROPN
cblr-1739	1047	5	-	-	PUNCT
cblr-1739	1047	6	aretz	aretz	PROPN
cblr-1739	1047	7	–	–	PUNCT
cblr-1739	1047	8	final	final	ADJ
cblr-1739	1047	9	412	412	NUM
cblr-1739	1047	10	columbia	columbia	PROPN
cblr-1739	1047	11	business	business	NOUN
cblr-1739	1047	12	law	law	PROPN
cblr-1739	1047	13	review	review	NOUN
cblr-1739	1047	14	[	[	X
cblr-1739	1047	15	vol	vol	NOUN
cblr-1739	1047	16	.	.	NOUN
cblr-1739	1047	17	2016	2016	NUM
cblr-1739	1047	18	products	product	NOUN
cblr-1739	1047	19	,	,	PUNCT
cblr-1739	1047	20	their	their	PRON
cblr-1739	1047	21	terms	term	NOUN
cblr-1739	1047	22	,	,	PUNCT
cblr-1739	1047	23	risk	risk	NOUN
cblr-1739	1047	24	level	level	NOUN
cblr-1739	1047	25	,	,	PUNCT
cblr-1739	1047	26	and	and	CCONJ
cblr-1739	1047	27	the	the	DET
cblr-1739	1047	28	differences	difference	NOUN
cblr-1739	1047	29	among	among	ADP
cblr-1739	1047	30	them.278	them.278	NOUN
cblr-1739	1047	31	additionally	additionally	ADV
cblr-1739	1047	32	,	,	PUNCT
cblr-1739	1047	33	while	while	SCONJ
cblr-1739	1047	34	helpful	helpful	ADJ
cblr-1739	1047	35	in	in	ADP
cblr-1739	1047	36	promoting	promote	VERB
cblr-1739	1047	37	transparency	transparency	NOUN
cblr-1739	1047	38	to	to	ADP
cblr-1739	1047	39	various	various	ADJ
cblr-1739	1047	40	extents	extent	NOUN
cblr-1739	1047	41	,	,	PUNCT
cblr-1739	1047	42	disclosure	disclosure	NOUN
cblr-1739	1047	43	requirements	requirement	NOUN
cblr-1739	1047	44	are	be	AUX
cblr-1739	1047	45	often	often	ADV
cblr-1739	1047	46	less	less	ADV
cblr-1739	1047	47	effective	effective	ADJ
cblr-1739	1047	48	than	than	ADP
cblr-1739	1047	49	substantial	substantial	ADJ
cblr-1739	1047	50	regulation	regulation	NOUN
cblr-1739	1047	51	that	that	PRON
cblr-1739	1047	52	alters	alter	VERB
cblr-1739	1047	53	negative	negative	ADJ
cblr-1739	1047	54	market	market	NOUN
cblr-1739	1047	55	incentives	incentive	NOUN
cblr-1739	1047	56	or	or	CCONJ
cblr-1739	1047	57	undesired	undesired	ADJ
cblr-1739	1047	58	economic	economic	ADJ
cblr-1739	1047	59	incentives.279	incentives.279	ADJ
cblr-1739	1047	60	reviews	review	NOUN
cblr-1739	1047	61	of	of	ADP
cblr-1739	1047	62	existing	exist	VERB
cblr-1739	1047	63	studies	study	NOUN
cblr-1739	1047	64	also	also	ADV
cblr-1739	1047	65	support	support	VERB
cblr-1739	1047	66	this	this	DET
cblr-1739	1047	67	claim	claim	NOUN
cblr-1739	1047	68	.	.	PUNCT
cblr-1739	1048	1	these	these	DET
cblr-1739	1048	2	studies	study	NOUN
cblr-1739	1048	3	indicate	indicate	VERB
cblr-1739	1048	4	that	that	SCONJ
cblr-1739	1048	5	,	,	PUNCT
cblr-1739	1048	6	while	while	SCONJ
cblr-1739	1048	7	in	in	ADP
cblr-1739	1048	8	theory	theory	NOUN
cblr-1739	1048	9	disclosure	disclosure	NOUN
cblr-1739	1048	10	can	can	AUX
cblr-1739	1048	11	reduce	reduce	VERB
cblr-1739	1048	12	the	the	DET
cblr-1739	1048	13	information	information	NOUN
cblr-1739	1048	14	asymmetries	asymmetry	NOUN
cblr-1739	1048	15	present	present	ADJ
cblr-1739	1048	16	in	in	ADP
cblr-1739	1048	17	the	the	DET
cblr-1739	1048	18	financial	financial	ADJ
cblr-1739	1048	19	services	service	NOUN
cblr-1739	1048	20	market	market	NOUN
cblr-1739	1048	21	,	,	PUNCT
cblr-1739	1048	22	disclosure	disclosure	NOUN
cblr-1739	1048	23	does	do	AUX
cblr-1739	1048	24	not	not	PART
cblr-1739	1048	25	offer	offer	VERB
cblr-1739	1048	26	adequate	adequate	ADJ
cblr-1739	1048	27	support	support	NOUN
cblr-1739	1048	28	for	for	ADP
cblr-1739	1048	29	making	make	VERB
cblr-1739	1048	30	more	more	ADV
cblr-1739	1048	31	informed	informed	ADJ
cblr-1739	1048	32	decisions	decision	NOUN
cblr-1739	1048	33	,	,	PUNCT
cblr-1739	1048	34	especially	especially	ADV
cblr-1739	1048	35	if	if	SCONJ
cblr-1739	1048	36	used	use	VERB
cblr-1739	1048	37	in	in	ADP
cblr-1739	1048	38	isolation.280	isolation.280	PROPN
cblr-1739	1048	39	in	in	ADP
cblr-1739	1048	40	areas	area	NOUN
cblr-1739	1048	41	of	of	ADP
cblr-1739	1048	42	financial	financial	ADJ
cblr-1739	1048	43	decision	decision	NOUN
cblr-1739	1048	44	-	-	PUNCT
cblr-1739	1048	45	making	make	VERB
cblr-1739	1048	46	such	such	ADJ
cblr-1739	1048	47	as	as	ADP
cblr-1739	1048	48	mortgages	mortgage	NOUN
cblr-1739	1048	49	,	,	PUNCT
cblr-1739	1048	50	credit	credit	NOUN
cblr-1739	1048	51	cards	card	NOUN
cblr-1739	1048	52	,	,	PUNCT
cblr-1739	1048	53	payday	payday	NOUN
cblr-1739	1048	54	loans	loan	NOUN
cblr-1739	1048	55	,	,	PUNCT
cblr-1739	1048	56	and	and	CCONJ
cblr-1739	1048	57	mutual	mutual	ADJ
cblr-1739	1048	58	funds	fund	NOUN
cblr-1739	1048	59	,	,	PUNCT
cblr-1739	1048	60	long	long	ADJ
cblr-1739	1048	61	and	and	CCONJ
cblr-1739	1048	62	detailed	detailed	ADJ
cblr-1739	1048	63	disclosure	disclosure	NOUN
cblr-1739	1048	64	documents	document	NOUN
cblr-1739	1048	65	have	have	AUX
cblr-1739	1048	66	not	not	PART
cblr-1739	1048	67	been	be	AUX
cblr-1739	1048	68	effective	effective	ADJ
cblr-1739	1048	69	at	at	ADP
cblr-1739	1048	70	helping	help	VERB
cblr-1739	1048	71	consumers	consumer	NOUN
cblr-1739	1048	72	make	make	VERB
cblr-1739	1048	73	informed	informed	ADJ
cblr-1739	1048	74	choices	choice	NOUN
cblr-1739	1048	75	,	,	PUNCT
cblr-1739	1048	76	due	due	ADP
cblr-1739	1048	77	to	to	ADP
cblr-1739	1048	78	either	either	CCONJ
cblr-1739	1048	79	limited	limited	ADJ
cblr-1739	1048	80	attention	attention	NOUN
cblr-1739	1048	81	or	or	CCONJ
cblr-1739	1048	82	limited	limited	ADJ
cblr-1739	1048	83	understanding	understanding	NOUN
cblr-1739	1048	84	of	of	ADP
cblr-1739	1048	85	the	the	DET
cblr-1739	1048	86	material.281	material.281	NOUN
cblr-1739	1048	87	therefore	therefore	ADV
cblr-1739	1048	88	,	,	PUNCT
cblr-1739	1048	89	while	while	SCONJ
cblr-1739	1048	90	mandating	mandate	VERB
cblr-1739	1048	91	disclosure	disclosure	NOUN
cblr-1739	1048	92	is	be	AUX
cblr-1739	1048	93	a	a	DET
cblr-1739	1048	94	key	key	ADJ
cblr-1739	1048	95	component	component	NOUN
cblr-1739	1048	96	of	of	ADP
cblr-1739	1048	97	financial	financial	ADJ
cblr-1739	1048	98	markets	market	NOUN
cblr-1739	1048	99	regulation	regulation	NOUN
cblr-1739	1048	100	,	,	PUNCT
cblr-1739	1048	101	relying	rely	VERB
cblr-1739	1048	102	on	on	ADP
cblr-1739	1048	103	it	it	PRON
cblr-1739	1048	104	alone	alone	ADJ
cblr-1739	1048	105	to	to	PART
cblr-1739	1048	106	act	act	VERB
cblr-1739	1048	107	as	as	ADP
cblr-1739	1048	108	a	a	DET
cblr-1739	1048	109	holistic	holistic	ADJ
cblr-1739	1048	110	panacea	panacea	NOUN
cblr-1739	1048	111	would	would	AUX
cblr-1739	1048	112	prove	prove	VERB
cblr-1739	1048	113	to	to	PART
cblr-1739	1048	114	be	be	AUX
cblr-1739	1048	115	a	a	DET
cblr-1739	1048	116	mistake	mistake	NOUN
cblr-1739	1048	117	.	.	PUNCT
cblr-1739	1049	1	this	this	PRON
cblr-1739	1049	2	is	be	AUX
cblr-1739	1049	3	particularly	particularly	ADV
cblr-1739	1049	4	true	true	ADJ
cblr-1739	1049	5	for	for	ADP
cblr-1739	1049	6	credit	credit	NOUN
cblr-1739	1049	7	scoring	scoring	NOUN
cblr-1739	1049	8	markets	market	NOUN
cblr-1739	1049	9	founded	found	VERB
cblr-1739	1049	10	on	on	ADP
cblr-1739	1049	11	confidential	confidential	ADJ
cblr-1739	1049	12	formulas282	formulas282	PROPN
cblr-1739	1049	13	and	and	CCONJ
cblr-1739	1049	14	that	that	PRON
cblr-1739	1049	15	exhibit	exhibit	VERB
cblr-1739	1049	16	delayed	delay	VERB
cblr-1739	1049	17	technological	technological	ADJ
cblr-1739	1049	18	understanding	understanding	NOUN
cblr-1739	1049	19	by	by	ADP
cblr-1739	1049	20	regulators	regulator	NOUN
cblr-1739	1049	21	and	and	CCONJ
cblr-1739	1049	22	public	public	ADJ
cblr-1739	1049	23	advocacy	advocacy	NOUN
cblr-1739	1049	24	groups.283	groups.283	PROPN
cblr-1739	1049	25	278	278	NUM
cblr-1739	1049	26	see	see	VERB
cblr-1739	1049	27	emilios	emilio	NOUN
cblr-1739	1049	28	avgouleas	avgouleas	PROPN
cblr-1739	1049	29	,	,	PUNCT
cblr-1739	1049	30	the	the	DET
cblr-1739	1049	31	mechanics	mechanic	NOUN
cblr-1739	1049	32	and	and	CCONJ
cblr-1739	1049	33	regulation	regulation	NOUN
cblr-1739	1049	34	of	of	ADP
cblr-1739	1049	35	market	market	NOUN
cblr-1739	1049	36	abuse	abuse	NOUN
cblr-1739	1049	37	30–32	30–32	NUM
cblr-1739	1049	38	(	(	PUNCT
cblr-1739	1049	39	2005	2005	NUM
cblr-1739	1049	40	)	)	PUNCT
cblr-1739	1049	41	;	;	PUNCT
cblr-1739	1049	42	donald	donald	PROPN
cblr-1739	1049	43	p.	p.	PROPN
cblr-1739	1049	44	morgan	morgan	PROPN
cblr-1739	1049	45	,	,	PUNCT
cblr-1739	1049	46	rating	rating	NOUN
cblr-1739	1049	47	banks	bank	NOUN
cblr-1739	1049	48	:	:	PUNCT
cblr-1739	1049	49	risk	risk	NOUN
cblr-1739	1049	50	and	and	CCONJ
cblr-1739	1049	51	uncertainty	uncertainty	NOUN
cblr-1739	1049	52	in	in	ADP
cblr-1739	1049	53	an	an	DET
cblr-1739	1049	54	opaque	opaque	ADJ
cblr-1739	1049	55	industry	industry	NOUN
cblr-1739	1049	56	92	92	NUM
cblr-1739	1049	57	am	am	NOUN
cblr-1739	1049	58	.	.	PUNCT
cblr-1739	1050	1	econ	econ	PROPN
cblr-1739	1050	2	.	.	PUNCT
cblr-1739	1051	1	rev	rev	PROPN
cblr-1739	1051	2	.	.	PROPN
cblr-1739	1051	3	874	874	NUM
cblr-1739	1051	4	(	(	PUNCT
cblr-1739	1051	5	2002	2002	NUM
cblr-1739	1051	6	)	)	PUNCT
cblr-1739	1051	7	.	.	PUNCT
cblr-1739	1052	1	279	279	NUM
cblr-1739	1052	2	i	i	PROPN
cblr-1739	1052	3	d.	d.	PROPN
cblr-1739	1052	4	;	;	PUNCT
cblr-1739	1052	5	martin	martin	PROPN
cblr-1739	1052	6	f.	f.	PROPN
cblr-1739	1052	7	hellwig	hellwig	PROPN
cblr-1739	1052	8	,	,	PUNCT
cblr-1739	1052	9	market	market	NOUN
cblr-1739	1052	10	discipline	discipline	NOUN
cblr-1739	1052	11	,	,	PUNCT
cblr-1739	1052	12	information	information	NOUN
cblr-1739	1052	13	processing	processing	NOUN
cblr-1739	1052	14	and	and	CCONJ
cblr-1739	1052	15	corporate	corporate	ADJ
cblr-1739	1052	16	governance	governance	NOUN
cblr-1739	1052	17	(	(	PUNCT
cblr-1739	1052	18	max	max	PROPN
cblr-1739	1052	19	planck	planck	PROPN
cblr-1739	1052	20	inst	inst	PROPN
cblr-1739	1052	21	.	.	PUNCT
cblr-1739	1053	1	for	for	ADP
cblr-1739	1053	2	res	re	NOUN
cblr-1739	1053	3	.	.	PUNCT
cblr-1739	1054	1	on	on	ADP
cblr-1739	1054	2	collective	collective	ADJ
cblr-1739	1054	3	goods	good	NOUN
cblr-1739	1054	4	,	,	PUNCT
cblr-1739	1054	5	preprint	preprint	VERB
cblr-1739	1054	6	no	no	INTJ
cblr-1739	1054	7	.	.	PUNCT
cblr-1739	1055	1	2005/19	2005/19	NUM
cblr-1739	1055	2	,	,	PUNCT
cblr-1739	1055	3	2005	2005	NUM
cblr-1739	1055	4	)	)	PUNCT
cblr-1739	1055	5	,	,	PUNCT
cblr-1739	1055	6	http://papers.ssrn.com/sol3/papers	http://papers.ssrn.com/sol3/paper	NOUN
cblr-1739	1055	7	.	.	PUNCT
cblr-1739	1056	1	cfm?abstract_id=873431	cfm?abstract_id=873431	PROPN
cblr-1739	1057	1	[	[	X
cblr-1739	1057	2	https://perma.cc/lg85-djbn	https://perma.cc/lg85-djbn	X
cblr-1739	1057	3	]	]	X
cblr-1739	1057	4	(	(	PUNCT
cblr-1739	1057	5	explaining	explain	VERB
cblr-1739	1057	6	that	that	SCONJ
cblr-1739	1057	7	market	market	NOUN
cblr-1739	1057	8	discipline	discipline	NOUN
cblr-1739	1057	9	works	work	VERB
cblr-1739	1057	10	only	only	ADV
cblr-1739	1057	11	if	if	SCONJ
cblr-1739	1057	12	market	market	NOUN
cblr-1739	1057	13	actors	actor	NOUN
cblr-1739	1057	14	have	have	VERB
cblr-1739	1057	15	sufficient	sufficient	ADJ
cblr-1739	1057	16	incentives	incentive	NOUN
cblr-1739	1057	17	to	to	PART
cblr-1739	1057	18	fulfill	fulfill	VERB
cblr-1739	1057	19	their	their	PRON
cblr-1739	1057	20	monitoring	monitoring	NOUN
cblr-1739	1057	21	role	role	NOUN
cblr-1739	1057	22	and	and	CCONJ
cblr-1739	1057	23	there	there	PRON
cblr-1739	1057	24	are	be	VERB
cblr-1739	1057	25	no	no	DET
cblr-1739	1057	26	impediments	impediment	NOUN
cblr-1739	1057	27	to	to	ADP
cblr-1739	1057	28	information	information	NOUN
cblr-1739	1057	29	signals	signal	NOUN
cblr-1739	1057	30	)	)	PUNCT
cblr-1739	1057	31	.	.	PUNCT
cblr-1739	1058	1	280	280	NUM
cblr-1739	1058	2	see	see	VERB
cblr-1739	1058	3	hung	hang	VERB
cblr-1739	1058	4	et	et	PROPN
cblr-1739	1058	5	al	al	PROPN
cblr-1739	1058	6	.	.	PROPN
cblr-1739	1058	7	,	,	PUNCT
cblr-1739	1058	8	supra	supra	PROPN
cblr-1739	1058	9	note	note	PROPN
cblr-1739	1058	10	267	267	NUM
cblr-1739	1058	11	,	,	PUNCT
cblr-1739	1058	12	at	at	ADP
cblr-1739	1058	13	24	24	NUM
cblr-1739	1058	14	.	.	PUNCT
cblr-1739	1058	15	281	281	NUM
cblr-1739	1059	1	i	i	NOUN
cblr-1739	1059	2	d.	d.	PROPN
cblr-1739	1059	3	282	282	NUM
cblr-1739	1059	4	see	see	VERB
cblr-1739	1059	5	reddix	reddix	NOUN
cblr-1739	1059	6	-	-	PUNCT
cblr-1739	1059	7	smalls	smalls	PROPN
cblr-1739	1059	8	,	,	PUNCT
cblr-1739	1059	9	supra	supra	PROPN
cblr-1739	1059	10	note	note	NOUN
cblr-1739	1059	11	234	234	NUM
cblr-1739	1059	12	.	.	NOUN
cblr-1739	1059	13	283	283	NUM
cblr-1739	1059	14	see	see	VERB
cblr-1739	1059	15	frank	frank	ADJ
cblr-1739	1059	16	pasquale	pasquale	PROPN
cblr-1739	1059	17	,	,	PUNCT
cblr-1739	1059	18	redescribing	redescribe	VERB
cblr-1739	1059	19	health	health	NOUN
cblr-1739	1059	20	privacy	privacy	NOUN
cblr-1739	1059	21	:	:	PUNCT
cblr-1739	1059	22	the	the	DET
cblr-1739	1059	23	importance	importance	NOUN
cblr-1739	1059	24	of	of	ADP
cblr-1739	1059	25	information	information	NOUN
cblr-1739	1059	26	policy	policy	NOUN
cblr-1739	1059	27	,	,	PUNCT
cblr-1739	1059	28	14	14	NUM
cblr-1739	1059	29	hous	hous	ADJ
cblr-1739	1059	30	.	.	PUNCT
cblr-1739	1060	1	j.	j.	PROPN
cblr-1739	1060	2	health	health	PROPN
cblr-1739	1060	3	l.	l.	PROPN
cblr-1739	1060	4	&	&	CCONJ
cblr-1739	1060	5	pol’y	pol’y	NOUN
cblr-1739	1060	6	95	95	NUM
cblr-1739	1060	7	,	,	PUNCT
cblr-1739	1060	8	117	117	NUM
cblr-1739	1060	9	(	(	PUNCT
cblr-1739	1060	10	2014	2014	NUM
cblr-1739	1060	11	)	)	PUNCT
cblr-1739	1060	12	(	(	PUNCT
cblr-1739	1060	13	“	"	PUNCT
cblr-1739	1060	14	the	the	DET
cblr-1739	1060	15	federal	federal	PROPN
cblr-1739	1060	16	trade	trade	PROPN
cblr-1739	1060	17	commission	commission	PROPN
cblr-1739	1060	18	has	have	AUX
cblr-1739	1060	19	expressed	express	VERB
cblr-1739	1060	20	some	some	DET
cblr-1739	1060	21	interest	interest	NOUN
cblr-1739	1060	22	in	in	ADP
cblr-1739	1060	23	understanding	understand	VERB
cblr-1739	1060	24	what	what	PRON
cblr-1739	1060	25	data	datum	NOUN
cblr-1739	1060	26	brokers	broker	NOUN
cblr-1739	1060	27	are	be	AUX
cblr-1739	1060	28	doing	do	VERB
cblr-1739	1060	29	,	,	PUNCT
cblr-1739	1060	30	but	but	CCONJ
cblr-1739	1060	31	it	it	PRON
cblr-1739	1060	32	is	be	AUX
cblr-1739	1060	33	technologically	technologically	ADV
cblr-1739	1060	34	outmatched	outmatch	VERB
cblr-1739	1060	35	.	.	PUNCT
cblr-1739	1061	1	geslevich	geslevich	PROPN
cblr-1739	1061	2	packin	packin	PROPN
cblr-1739	1061	3	&	&	CCONJ
cblr-1739	1061	4	lev	lev	PROPN
cblr-1739	1061	5	-	-	PUNCT
cblr-1739	1061	6	aretz	aretz	PROPN
cblr-1739	1061	7	–	–	PUNCT
cblr-1739	1061	8	final	final	ADJ
cblr-1739	1061	9	no	no	NOUN
cblr-1739	1061	10	.	.	PUNCT
cblr-1739	1062	1	2:339	2:339	NUM
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cblr-1739	1062	3	on	on	ADP
cblr-1739	1062	4	social	social	ADJ
cblr-1739	1062	5	credit	credit	NOUN
cblr-1739	1062	6	413	413	NUM
cblr-1739	1062	7	b.	b.	PROPN
cblr-1739	1062	8	disparate	disparate	PROPN
cblr-1739	1062	9	impact	impact	NOUN
cblr-1739	1062	10	the	the	DET
cblr-1739	1062	11	creditor	creditor	NOUN
cblr-1739	1062	12	assumes	assume	VERB
cblr-1739	1062	13	that	that	SCONJ
cblr-1739	1062	14	consumers	consumer	NOUN
cblr-1739	1062	15	are	be	AUX
cblr-1739	1062	16	more	more	ADV
cblr-1739	1062	17	likely	likely	ADJ
cblr-1739	1062	18	to	to	PART
cblr-1739	1062	19	be	be	AUX
cblr-1739	1062	20	creditworthy	creditworthy	ADJ
cblr-1739	1062	21	if	if	SCONJ
cblr-1739	1062	22	those	those	PRON
cblr-1739	1062	23	with	with	ADP
cblr-1739	1062	24	whom	whom	PRON
cblr-1739	1062	25	they	they	PRON
cblr-1739	1062	26	associate	associate	VERB
cblr-1739	1062	27	are	be	AUX
cblr-1739	1062	28	also	also	ADV
cblr-1739	1062	29	creditworthy	creditworthy	ADJ
cblr-1739	1062	30	.	.	PUNCT
cblr-1739	1063	1	statistics	statistic	NOUN
cblr-1739	1063	2	support	support	VERB
cblr-1739	1063	3	this	this	DET
cblr-1739	1063	4	notion	notion	NOUN
cblr-1739	1063	5	:	:	PUNCT
cblr-1739	1063	6	wealthier	wealthy	ADJ
cblr-1739	1063	7	consumers	consumer	NOUN
cblr-1739	1063	8	tend	tend	VERB
cblr-1739	1063	9	to	to	PART
cblr-1739	1063	10	have	have	VERB
cblr-1739	1063	11	wealthier	wealthy	ADJ
cblr-1739	1063	12	friends	friend	NOUN
cblr-1739	1063	13	,	,	PUNCT
cblr-1739	1063	14	who	who	PRON
cblr-1739	1063	15	are	be	AUX
cblr-1739	1063	16	more	more	ADV
cblr-1739	1063	17	likely	likely	ADJ
cblr-1739	1063	18	to	to	PART
cblr-1739	1063	19	have	have	VERB
cblr-1739	1063	20	higher	high	ADJ
cblr-1739	1063	21	credit	credit	NOUN
cblr-1739	1063	22	scores.284	scores.284	NOUN
cblr-1739	1063	23	even	even	ADV
cblr-1739	1063	24	where	where	SCONJ
cblr-1739	1063	25	financialbased	financialbase	VERB
cblr-1739	1063	26	social	social	ADJ
cblr-1739	1063	27	classification	classification	NOUN
cblr-1739	1063	28	has	have	VERB
cblr-1739	1063	29	yet	yet	ADV
cblr-1739	1063	30	to	to	PART
cblr-1739	1063	31	take	take	VERB
cblr-1739	1063	32	place	place	NOUN
cblr-1739	1063	33	,	,	PUNCT
cblr-1739	1063	34	rational	rational	ADJ
cblr-1739	1063	35	consumers	consumer	NOUN
cblr-1739	1063	36	would	would	AUX
cblr-1739	1063	37	soon	soon	ADV
cblr-1739	1063	38	turn	turn	VERB
cblr-1739	1063	39	it	it	PRON
cblr-1739	1063	40	into	into	ADP
cblr-1739	1063	41	reality	reality	NOUN
cblr-1739	1063	42	.	.	PUNCT
cblr-1739	1064	1	against	against	ADP
cblr-1739	1064	2	this	this	DET
cblr-1739	1064	3	backdrop	backdrop	NOUN
cblr-1739	1064	4	,	,	PUNCT
cblr-1739	1064	5	it	it	PRON
cblr-1739	1064	6	is	be	AUX
cblr-1739	1064	7	reasonable	reasonable	ADJ
cblr-1739	1064	8	to	to	PART
cblr-1739	1064	9	ask	ask	VERB
cblr-1739	1064	10	whether	whether	SCONJ
cblr-1739	1064	11	the	the	DET
cblr-1739	1064	12	disparate	disparate	ADJ
cblr-1739	1064	13	impact	impact	NOUN
cblr-1739	1064	14	doctrine	doctrine	NOUN
cblr-1739	1064	15	could	could	AUX
cblr-1739	1064	16	address	address	VERB
cblr-1739	1064	17	the	the	DET
cblr-1739	1064	18	difficulties	difficulty	NOUN
cblr-1739	1064	19	brought	bring	VERB
cblr-1739	1064	20	about	about	ADP
cblr-1739	1064	21	by	by	ADP
cblr-1739	1064	22	social	social	ADJ
cblr-1739	1064	23	credit	credit	NOUN
cblr-1739	1064	24	systems	system	NOUN
cblr-1739	1064	25	.	.	PUNCT
cblr-1739	1065	1	the	the	DET
cblr-1739	1065	2	doctrine	doctrine	NOUN
cblr-1739	1065	3	prohibits	prohibit	VERB
cblr-1739	1065	4	procedures	procedure	NOUN
cblr-1739	1065	5	that	that	PRON
cblr-1739	1065	6	favor	favor	VERB
cblr-1739	1065	7	a	a	DET
cblr-1739	1065	8	specific	specific	ADJ
cblr-1739	1065	9	group	group	NOUN
cblr-1739	1065	10	of	of	ADP
cblr-1739	1065	11	individuals	individual	NOUN
cblr-1739	1065	12	over	over	ADP
cblr-1739	1065	13	another	another	PRON
cblr-1739	1065	14	,	,	PUNCT
cblr-1739	1065	15	whether	whether	SCONJ
cblr-1739	1065	16	or	or	CCONJ
cblr-1739	1065	17	not	not	PART
cblr-1739	1065	18	the	the	DET
cblr-1739	1065	19	discrimination	discrimination	NOUN
cblr-1739	1065	20	is	be	AUX
cblr-1739	1065	21	intentional.285	intentional.285	PROPN
cblr-1739	1065	22	importantly	importantly	ADV
cblr-1739	1065	23	,	,	PUNCT
cblr-1739	1065	24	such	such	ADJ
cblr-1739	1065	25	preference	preference	NOUN
cblr-1739	1065	26	is	be	AUX
cblr-1739	1065	27	already	already	ADV
cblr-1739	1065	28	said	say	VERB
cblr-1739	1065	29	to	to	PART
cblr-1739	1065	30	exist	exist	VERB
cblr-1739	1065	31	in	in	ADP
cblr-1739	1065	32	the	the	DET
cblr-1739	1065	33	context	context	NOUN
cblr-1739	1065	34	of	of	ADP
cblr-1739	1065	35	determining	determine	VERB
cblr-1739	1065	36	consumers	consumer	NOUN
cblr-1739	1065	37	’	'	PUNCT
cblr-1739	1065	38	creditworthiness.286	creditworthiness.286	ADJ
cblr-1739	1065	39	many	many	ADJ
cblr-1739	1065	40	criticize	criticize	VERB
cblr-1739	1065	41	existing	exist	VERB
cblr-1739	1065	42	credit	credit	NOUN
cblr-1739	1065	43	scoring	scoring	NOUN
cblr-1739	1065	44	models	model	NOUN
cblr-1739	1065	45	for	for	ADP
cblr-1739	1065	46	systemizing	systemize	VERB
cblr-1739	1065	47	discriminatory	discriminatory	ADJ
cblr-1739	1065	48	practices	practice	NOUN
cblr-1739	1065	49	.	.	PUNCT
cblr-1739	1066	1	in	in	ADP
cblr-1739	1066	2	general	general	ADJ
cblr-1739	1066	3	,	,	PUNCT
cblr-1739	1066	4	regulators	regulator	NOUN
cblr-1739	1066	5	do	do	AUX
cblr-1739	1066	6	not	not	PART
cblr-1739	1066	7	permit	permit	VERB
cblr-1739	1066	8	scoring	scoring	NOUN
cblr-1739	1066	9	models	model	NOUN
cblr-1739	1066	10	for	for	ADP
cblr-1739	1066	11	use	use	NOUN
cblr-1739	1066	12	in	in	ADP
cblr-1739	1066	13	loan	loan	NOUN
cblr-1739	1066	14	application	application	NOUN
cblr-1739	1066	15	and	and	CCONJ
cblr-1739	1066	16	pricing	pricing	NOUN
cblr-1739	1066	17	assessments	assessment	NOUN
cblr-1739	1066	18	that	that	PRON
cblr-1739	1066	19	are	be	AUX
cblr-1739	1066	20	based	base	VERB
cblr-1739	1066	21	on	on	ADP
cblr-1739	1066	22	characteristics	characteristic	NOUN
cblr-1739	1066	23	forbidden	forbid	VERB
cblr-1739	1066	24	under	under	ADP
cblr-1739	1066	25	the	the	DET
cblr-1739	1066	26	ecoa	ecoa	NOUN
cblr-1739	1066	27	,	,	PUNCT
cblr-1739	1066	28	such	such	ADJ
cblr-1739	1066	29	as	as	ADP
cblr-1739	1066	30	the	the	DET
cblr-1739	1066	31	applicant	applicant	NOUN
cblr-1739	1066	32	’s	’s	PART
cblr-1739	1066	33	religion	religion	NOUN
cblr-1739	1066	34	,	,	PUNCT
cblr-1739	1066	35	race	race	NOUN
cblr-1739	1066	36	,	,	PUNCT
cblr-1739	1066	37	sex	sex	NOUN
cblr-1739	1066	38	,	,	PUNCT
cblr-1739	1066	39	national	national	ADJ
cblr-1739	1066	40	origin	origin	NOUN
cblr-1739	1066	41	,	,	PUNCT
cblr-1739	1066	42	color	color	NOUN
cblr-1739	1066	43	,	,	PUNCT
cblr-1739	1066	44	marital	marital	ADJ
cblr-1739	1066	45	status	status	NOUN
cblr-1739	1066	46	,	,	PUNCT
cblr-1739	1066	47	the	the	DET
cblr-1739	1066	48	applicant	applicant	NOUN
cblr-1739	1066	49	’s	’s	PART
cblr-1739	1066	50	receipt	receipt	NOUN
cblr-1739	1066	51	of	of	ADP
cblr-1739	1066	52	income	income	NOUN
cblr-1739	1066	53	from	from	ADP
cblr-1739	1066	54	public	public	ADJ
cblr-1739	1066	55	assistance	assistance	NOUN
cblr-1739	1066	56	consumer	consumer	NOUN
cblr-1739	1066	57	protection	protection	NOUN
cblr-1739	1066	58	agencies	agency	NOUN
cblr-1739	1066	59	have	have	VERB
cblr-1739	1066	60	nowhere	nowhere	ADV
cblr-1739	1066	61	near	near	ADP
cblr-1739	1066	62	the	the	DET
cblr-1739	1066	63	staff	staff	NOUN
cblr-1739	1066	64	they	they	PRON
cblr-1739	1066	65	would	would	AUX
cblr-1739	1066	66	need	need	VERB
cblr-1739	1066	67	to	to	PART
cblr-1739	1066	68	monitor	monitor	VERB
cblr-1739	1066	69	all	all	DET
cblr-1739	1066	70	companies	company	NOUN
cblr-1739	1066	71	trafficking	traffic	VERB
cblr-1739	1066	72	in	in	ADP
cblr-1739	1066	73	reputational	reputational	ADJ
cblr-1739	1066	74	data	datum	NOUN
cblr-1739	1066	75	.	.	PUNCT
cblr-1739	1066	76	”	"	PUNCT
cblr-1739	1066	77	)	)	PUNCT
cblr-1739	1066	78	.	.	PUNCT
cblr-1739	1067	1	284	284	NUM
cblr-1739	1067	2	see	see	VERB
cblr-1739	1067	3	o’neil	o’neil	PROPN
cblr-1739	1067	4	,	,	PUNCT
cblr-1739	1067	5	supra	supra	PROPN
cblr-1739	1067	6	note	note	NOUN
cblr-1739	1067	7	266	266	NUM
cblr-1739	1067	8	.	.	PUNCT
cblr-1739	1067	9	285	285	NUM
cblr-1739	1067	10	the	the	DET
cblr-1739	1067	11	disparate	disparate	ADJ
cblr-1739	1067	12	impact	impact	NOUN
cblr-1739	1067	13	concept	concept	NOUN
cblr-1739	1067	14	is	be	AUX
cblr-1739	1067	15	not	not	PART
cblr-1739	1067	16	a	a	DET
cblr-1739	1067	17	new	new	ADJ
cblr-1739	1067	18	one	one	NOUN
cblr-1739	1067	19	,	,	PUNCT
cblr-1739	1067	20	and	and	CCONJ
cblr-1739	1067	21	has	have	AUX
cblr-1739	1067	22	been	be	AUX
cblr-1739	1067	23	used	use	VERB
cblr-1739	1067	24	in	in	ADP
cblr-1739	1067	25	various	various	ADJ
cblr-1739	1067	26	contexts	contexts	NOUN
cblr-1739	1067	27	.	.	PUNCT
cblr-1739	1068	1	for	for	ADP
cblr-1739	1068	2	example	example	NOUN
cblr-1739	1068	3	,	,	PUNCT
cblr-1739	1068	4	just	just	ADV
cblr-1739	1068	5	recently	recently	ADV
cblr-1739	1068	6	,	,	PUNCT
cblr-1739	1068	7	the	the	DET
cblr-1739	1068	8	supreme	supreme	PROPN
cblr-1739	1068	9	court	court	PROPN
cblr-1739	1068	10	has	have	AUX
cblr-1739	1068	11	ruled	rule	VERB
cblr-1739	1068	12	that	that	SCONJ
cblr-1739	1068	13	a	a	DET
cblr-1739	1068	14	plaintiff	plaintiff	NOUN
cblr-1739	1068	15	may	may	AUX
cblr-1739	1068	16	establish	establish	VERB
cblr-1739	1068	17	a	a	DET
cblr-1739	1068	18	prima	prima	NOUN
cblr-1739	1068	19	facie	facie	NOUN
cblr-1739	1068	20	case	case	NOUN
cblr-1739	1068	21	under	under	ADP
cblr-1739	1068	22	the	the	DET
cblr-1739	1068	23	fair	fair	ADJ
cblr-1739	1068	24	housing	housing	NOUN
cblr-1739	1068	25	act	act	NOUN
cblr-1739	1068	26	(	(	PUNCT
cblr-1739	1068	27	“	"	PUNCT
cblr-1739	1068	28	fha	fha	PROPN
cblr-1739	1068	29	”	"	PUNCT
cblr-1739	1068	30	)	)	PUNCT
cblr-1739	1068	31	on	on	ADP
cblr-1739	1068	32	the	the	DET
cblr-1739	1068	33	basis	basis	NOUN
cblr-1739	1068	34	of	of	ADP
cblr-1739	1068	35	statistical	statistical	ADJ
cblr-1739	1068	36	evidence	evidence	NOUN
cblr-1739	1068	37	that	that	SCONJ
cblr-1739	1068	38	a	a	DET
cblr-1739	1068	39	legislative	legislative	ADJ
cblr-1739	1068	40	policy	policy	NOUN
cblr-1739	1068	41	triggers	trigger	VERB
cblr-1739	1068	42	a	a	DET
cblr-1739	1068	43	disparate	disparate	ADJ
cblr-1739	1068	44	impact	impact	NOUN
cblr-1739	1068	45	,	,	PUNCT
cblr-1739	1068	46	without	without	ADP
cblr-1739	1068	47	evidence	evidence	NOUN
cblr-1739	1068	48	that	that	SCONJ
cblr-1739	1068	49	the	the	DET
cblr-1739	1068	50	discrimination	discrimination	NOUN
cblr-1739	1068	51	was	be	AUX
cblr-1739	1068	52	intentional	intentional	ADJ
cblr-1739	1068	53	.	.	PUNCT
cblr-1739	1069	1	see	see	VERB
cblr-1739	1069	2	,	,	PUNCT
cblr-1739	1069	3	e.g.	e.g.	ADV
cblr-1739	1069	4	,	,	PUNCT
cblr-1739	1069	5	robert	robert	PROPN
cblr-1739	1069	6	a.	a.	PROPN
cblr-1739	1069	7	spolzino	spolzino	PROPN
cblr-1739	1069	8	,	,	PUNCT
cblr-1739	1069	9	u.s	u.s	PROPN
cblr-1739	1069	10	.	.	PROPN
cblr-1739	1069	11	supreme	supreme	PROPN
cblr-1739	1069	12	court	court	PROPN
cblr-1739	1069	13	upholds	uphold	VERB
cblr-1739	1069	14	disparate	disparate	ADJ
cblr-1739	1069	15	-	-	PUNCT
cblr-1739	1069	16	impact	impact	NOUN
cblr-1739	1069	17	claims	claim	NOUN
cblr-1739	1069	18	in	in	ADP
cblr-1739	1069	19	fair	fair	ADJ
cblr-1739	1069	20	housing	housing	NOUN
cblr-1739	1069	21	act	act	NOUN
cblr-1739	1069	22	cases	case	NOUN
cblr-1739	1069	23	,	,	PUNCT
cblr-1739	1069	24	nat’l	nat’l	PROPN
cblr-1739	1069	25	l.	l.	PROPN
cblr-1739	1069	26	rev	rev	PROPN
cblr-1739	1069	27	.	.	PUNCT
cblr-1739	1070	1	(	(	PUNCT
cblr-1739	1070	2	july	july	PROPN
cblr-1739	1070	3	2	2	NUM
cblr-1739	1070	4	,	,	PUNCT
cblr-1739	1070	5	2015	2015	NUM
cblr-1739	1070	6	)	)	PUNCT
cblr-1739	1070	7	,	,	PUNCT
cblr-1739	1070	8	http://www.natlawreview.com/article/us-supremecourt-upholds-disparate-impact-claims-fair-housing-act-cases#sthash.xcgjb	http://www.natlawreview.com/article/us-supremecourt-upholds-disparate-impact-claims-fair-housing-act-cases#sthash.xcgjb	X
cblr-1739	1070	9	tko.dpuf	tko.dpuf	X
cblr-1739	1071	1	[	[	X
cblr-1739	1071	2	http://perma.cc/l2kl-r9j9	http://perma.cc/l2kl-r9j9	X
cblr-1739	1071	3	]	]	X
cblr-1739	1071	4	.	.	PUNCT
cblr-1739	1071	5	286	286	NUM
cblr-1739	1071	6	see	see	NOUN
cblr-1739	1071	7	,	,	PUNCT
cblr-1739	1071	8	e.g.	e.g.	ADV
cblr-1739	1071	9	,	,	PUNCT
cblr-1739	1071	10	the	the	DET
cblr-1739	1071	11	future	future	NOUN
cblr-1739	1071	12	of	of	ADP
cblr-1739	1071	13	housing	housing	NOUN
cblr-1739	1071	14	finance	finance	NOUN
cblr-1739	1071	15	:	:	PUNCT
cblr-1739	1071	16	the	the	DET
cblr-1739	1071	17	role	role	NOUN
cblr-1739	1071	18	of	of	ADP
cblr-1739	1071	19	private	private	ADJ
cblr-1739	1071	20	mortgage	mortgage	NOUN
cblr-1739	1071	21	insurance	insurance	NOUN
cblr-1739	1071	22	:	:	PUNCT
cblr-1739	1071	23	hearing	hear	VERB
cblr-1739	1071	24	before	before	ADP
cblr-1739	1071	25	the	the	DET
cblr-1739	1071	26	subcomm	subcomm	NOUN
cblr-1739	1071	27	.	.	PUNCT
cblr-1739	1072	1	on	on	ADP
cblr-1739	1072	2	capital	capital	NOUN
cblr-1739	1072	3	mkts	mkts	NOUN
cblr-1739	1072	4	.	.	PUNCT
cblr-1739	1072	5	,	,	PUNCT
cblr-1739	1072	6	ins	ins	PROPN
cblr-1739	1072	7	.	.	PROPN
cblr-1739	1072	8	&	&	CCONJ
cblr-1739	1072	9	gov’t	gov’t	PROPN
cblr-1739	1072	10	sponsored	sponsor	VERB
cblr-1739	1072	11	enters	enter	NOUN
cblr-1739	1072	12	.	.	PUNCT
cblr-1739	1073	1	of	of	ADP
cblr-1739	1073	2	the	the	DET
cblr-1739	1073	3	h.	h.	PROPN
cblr-1739	1073	4	comm	comm	NOUN
cblr-1739	1073	5	.	.	PUNCT
cblr-1739	1074	1	on	on	ADP
cblr-1739	1074	2	fin	fin	NOUN
cblr-1739	1074	3	.	.	PUNCT
cblr-1739	1075	1	servs	servs	PROPN
cblr-1739	1075	2	.	.	PROPN
cblr-1739	1075	3	,	,	PUNCT
cblr-1739	1075	4	111th	111th	ADJ
cblr-1739	1075	5	cong	cong	NOUN
cblr-1739	1075	6	.	.	PUNCT
cblr-1739	1076	1	16	16	NUM
cblr-1739	1076	2	(	(	PUNCT
cblr-1739	1076	3	2010	2010	NUM
cblr-1739	1076	4	)	)	PUNCT
cblr-1739	1076	5	(	(	PUNCT
cblr-1739	1076	6	statement	statement	NOUN
cblr-1739	1076	7	of	of	ADP
cblr-1739	1076	8	deborah	deborah	PROPN
cblr-1739	1076	9	goldberg	goldberg	PROPN
cblr-1739	1076	10	,	,	PUNCT
cblr-1739	1076	11	hurricane	hurricane	NOUN
cblr-1739	1076	12	relief	relief	NOUN
cblr-1739	1076	13	program	program	NOUN
cblr-1739	1076	14	director	director	NOUN
cblr-1739	1076	15	,	,	PUNCT
cblr-1739	1076	16	national	national	ADJ
cblr-1739	1076	17	fair	fair	ADJ
cblr-1739	1076	18	housing	housing	PROPN
cblr-1739	1076	19	alliance	alliance	NOUN
cblr-1739	1076	20	)	)	PUNCT
cblr-1739	1076	21	.	.	PUNCT
cblr-1739	1077	1	geslevich	geslevich	PROPN
cblr-1739	1077	2	packin	packin	PROPN
cblr-1739	1077	3	&	&	CCONJ
cblr-1739	1077	4	lev	lev	PROPN
cblr-1739	1077	5	-	-	PUNCT
cblr-1739	1077	6	aretz	aretz	PROPN
cblr-1739	1077	7	–	–	PUNCT
cblr-1739	1077	8	final	final	ADJ
cblr-1739	1077	9	414	414	NUM
cblr-1739	1077	10	columbia	columbia	PROPN
cblr-1739	1077	11	business	business	NOUN
cblr-1739	1077	12	law	law	PROPN
cblr-1739	1077	13	review	review	NOUN
cblr-1739	1078	1	[	[	X
cblr-1739	1078	2	vol	vol	NOUN
cblr-1739	1078	3	.	.	NOUN
cblr-1739	1078	4	2016	2016	NUM
cblr-1739	1078	5	programs	program	NOUN
cblr-1739	1078	6	,	,	PUNCT
cblr-1739	1078	7	or	or	CCONJ
cblr-1739	1078	8	the	the	DET
cblr-1739	1078	9	applicant	applicant	NOUN
cblr-1739	1078	10	’s	’s	PART
cblr-1739	1078	11	good	good	ADJ
cblr-1739	1078	12	faith	faith	NOUN
cblr-1739	1078	13	exercise	exercise	NOUN
cblr-1739	1078	14	of	of	ADP
cblr-1739	1078	15	rights	right	NOUN
cblr-1739	1078	16	under	under	ADP
cblr-1739	1078	17	the	the	DET
cblr-1739	1078	18	consumer	consumer	NOUN
cblr-1739	1078	19	credit	credit	NOUN
cblr-1739	1078	20	protection	protection	NOUN
cblr-1739	1078	21	act.287	act.287	NOUN
cblr-1739	1078	22	yet	yet	ADV
cblr-1739	1078	23	some	some	PRON
cblr-1739	1078	24	argue	argue	VERB
cblr-1739	1078	25	that	that	SCONJ
cblr-1739	1078	26	even	even	ADV
cblr-1739	1078	27	legally	legally	ADV
cblr-1739	1078	28	permitted	permit	VERB
cblr-1739	1078	29	factors	factor	NOUN
cblr-1739	1078	30	used	use	VERB
cblr-1739	1078	31	in	in	ADP
cblr-1739	1078	32	scoring	scoring	NOUN
cblr-1739	1078	33	models	model	NOUN
cblr-1739	1078	34	result	result	VERB
cblr-1739	1078	35	in	in	ADP
cblr-1739	1078	36	disparate	disparate	ADJ
cblr-1739	1078	37	impact	impact	NOUN
cblr-1739	1078	38	for	for	ADP
cblr-1739	1078	39	specific	specific	ADJ
cblr-1739	1078	40	demographic	demographic	ADJ
cblr-1739	1078	41	groups.288	groups.288	NOUN
cblr-1739	1078	42	in	in	ADP
cblr-1739	1078	43	the	the	DET
cblr-1739	1078	44	years	year	NOUN
cblr-1739	1078	45	prior	prior	ADV
cblr-1739	1078	46	to	to	ADP
cblr-1739	1078	47	the	the	DET
cblr-1739	1078	48	2008	2008	NUM
cblr-1739	1078	49	financial	financial	ADJ
cblr-1739	1078	50	crisis	crisis	NOUN
cblr-1739	1078	51	,	,	PUNCT
cblr-1739	1078	52	scholars	scholar	NOUN
cblr-1739	1078	53	were	be	AUX
cblr-1739	1078	54	already	already	ADV
cblr-1739	1078	55	skeptical	skeptical	ADJ
cblr-1739	1078	56	about	about	ADP
cblr-1739	1078	57	the	the	DET
cblr-1739	1078	58	fairness	fairness	NOUN
cblr-1739	1078	59	of	of	ADP
cblr-1739	1078	60	credit	credit	NOUN
cblr-1739	1078	61	scoring	scoring	NOUN
cblr-1739	1078	62	systems	system	NOUN
cblr-1739	1078	63	,	,	PUNCT
cblr-1739	1078	64	arguing	argue	VERB
cblr-1739	1078	65	that	that	SCONJ
cblr-1739	1078	66	the	the	DET
cblr-1739	1078	67	calculations	calculation	NOUN
cblr-1739	1078	68	were	be	AUX
cblr-1739	1078	69	“	"	PUNCT
cblr-1739	1078	70	inevitably	inevitably	ADV
cblr-1739	1078	71	subjective	subjective	ADJ
cblr-1739	1078	72	and	and	CCONJ
cblr-1739	1078	73	value	value	NOUN
cblr-1739	1078	74	-	-	PUNCT
cblr-1739	1078	75	laden	laden	NOUN
cblr-1739	1078	76	,	,	PUNCT
cblr-1739	1078	77	”	"	PUNCT
cblr-1739	1078	78	however	however	ADV
cblr-1739	1078	79	“	"	PUNCT
cblr-1739	1078	80	incontestable	incontestable	ADJ
cblr-1739	1078	81	by	by	ADP
cblr-1739	1078	82	the	the	DET
cblr-1739	1078	83	apparent	apparent	ADJ
cblr-1739	1078	84	simplicity	simplicity	NOUN
cblr-1739	1078	85	of	of	ADP
cblr-1739	1078	86	[	[	X
cblr-1739	1078	87	a	a	X
cblr-1739	1078	88	]	]	X
cblr-1739	1078	89	single	single	ADJ
cblr-1739	1078	90	figure	figure	NOUN
cblr-1739	1078	91	.	.	PUNCT
cblr-1739	1079	1	”289	”289	VERB
cblr-1739	1079	2	moreover	moreover	ADV
cblr-1739	1079	3	,	,	PUNCT
cblr-1739	1079	4	evidence	evidence	NOUN
cblr-1739	1079	5	suggests	suggest	VERB
cblr-1739	1079	6	that	that	SCONJ
cblr-1739	1079	7	current	current	ADJ
cblr-1739	1079	8	credit	credit	NOUN
cblr-1739	1079	9	scoring	scoring	NOUN
cblr-1739	1079	10	systems	system	NOUN
cblr-1739	1079	11	do	do	AUX
cblr-1739	1079	12	have	have	VERB
cblr-1739	1079	13	an	an	DET
cblr-1739	1079	14	actual	actual	ADJ
cblr-1739	1079	15	negative	negative	ADJ
cblr-1739	1079	16	disparate	disparate	ADJ
cblr-1739	1079	17	effect	effect	NOUN
cblr-1739	1079	18	on	on	ADP
cblr-1739	1079	19	certain	certain	ADJ
cblr-1739	1079	20	disadvantaged	disadvantaged	ADJ
cblr-1739	1079	21	groups.290	groups.290	NOUN
cblr-1739	1079	22	recognizing	recognize	VERB
cblr-1739	1079	23	those	those	DET
cblr-1739	1079	24	discriminatory	discriminatory	ADJ
cblr-1739	1079	25	practices	practice	NOUN
cblr-1739	1079	26	,	,	PUNCT
cblr-1739	1079	27	regulators	regulator	NOUN
cblr-1739	1079	28	have	have	AUX
cblr-1739	1079	29	attempted	attempt	VERB
cblr-1739	1079	30	to	to	PART
cblr-1739	1079	31	better	well	ADV
cblr-1739	1079	32	standardize	standardize	VERB
cblr-1739	1079	33	the	the	DET
cblr-1739	1079	34	credit	credit	NOUN
cblr-1739	1079	35	industry	industry	NOUN
cblr-1739	1079	36	.	.	PUNCT
cblr-1739	1080	1	in	in	ADP
cblr-1739	1080	2	1970	1970	NUM
cblr-1739	1080	3	,	,	PUNCT
cblr-1739	1080	4	congress	congress	PROPN
cblr-1739	1080	5	designed	design	VERB
cblr-1739	1080	6	the	the	DET
cblr-1739	1080	7	fcra	fcra	NOUN
cblr-1739	1080	8	to	to	PART
cblr-1739	1080	9	address	address	VERB
cblr-1739	1080	10	concerns	concern	NOUN
cblr-1739	1080	11	that	that	SCONJ
cblr-1739	1080	12	growing	grow	VERB
cblr-1739	1080	13	databases	database	NOUN
cblr-1739	1080	14	of	of	ADP
cblr-1739	1080	15	personal	personal	ADJ
cblr-1739	1080	16	data	datum	NOUN
cblr-1739	1080	17	“	"	PUNCT
cblr-1739	1080	18	could	could	AUX
cblr-1739	1080	19	be	be	AUX
cblr-1739	1080	20	used	use	VERB
cblr-1739	1080	21	in	in	ADP
cblr-1739	1080	22	ways	way	NOUN
cblr-1739	1080	23	287	287	NUM
cblr-1739	1080	24	see	see	VERB
cblr-1739	1080	25	citron	citron	NOUN
cblr-1739	1080	26	&	&	CCONJ
cblr-1739	1080	27	pasquale	pasquale	PROPN
cblr-1739	1080	28	,	,	PUNCT
cblr-1739	1080	29	supra	supra	PROPN
cblr-1739	1080	30	note	note	NOUN
cblr-1739	1080	31	27	27	NUM
cblr-1739	1080	32	.	.	PUNCT
cblr-1739	1081	1	288	288	NUM
cblr-1739	1081	2	certain	certain	ADJ
cblr-1739	1081	3	critics	critic	NOUN
cblr-1739	1081	4	of	of	ADP
cblr-1739	1081	5	credit	credit	NOUN
cblr-1739	1081	6	scoring	scoring	NOUN
cblr-1739	1081	7	,	,	PUNCT
cblr-1739	1081	8	including	include	VERB
cblr-1739	1081	9	those	those	PRON
cblr-1739	1081	10	within	within	ADP
cblr-1739	1081	11	the	the	DET
cblr-1739	1081	12	cfpb	cfpb	NOUN
cblr-1739	1081	13	,	,	PUNCT
cblr-1739	1081	14	have	have	AUX
cblr-1739	1081	15	argued	argue	VERB
cblr-1739	1081	16	that	that	SCONJ
cblr-1739	1081	17	variables	variable	NOUN
cblr-1739	1081	18	permitted	permit	VERB
cblr-1739	1081	19	for	for	ADP
cblr-1739	1081	20	use	use	NOUN
cblr-1739	1081	21	in	in	ADP
cblr-1739	1081	22	scoring	scoring	NOUN
cblr-1739	1081	23	models	model	NOUN
cblr-1739	1081	24	can	can	AUX
cblr-1739	1081	25	themselves	themselves	PRON
cblr-1739	1081	26	be	be	AUX
cblr-1739	1081	27	correlated	correlate	VERB
cblr-1739	1081	28	with	with	ADP
cblr-1739	1081	29	protected	protect	VERB
cblr-1739	1081	30	group	group	NOUN
cblr-1739	1081	31	characteristics	characteristic	NOUN
cblr-1739	1081	32	.	.	PUNCT
cblr-1739	1082	1	accordingly	accordingly	ADV
cblr-1739	1082	2	,	,	PUNCT
cblr-1739	1082	3	they	they	PRON
cblr-1739	1082	4	have	have	AUX
cblr-1739	1082	5	argued	argue	VERB
cblr-1739	1082	6	that	that	SCONJ
cblr-1739	1082	7	use	use	NOUN
cblr-1739	1082	8	of	of	ADP
cblr-1739	1082	9	such	such	ADJ
cblr-1739	1082	10	variables	variable	NOUN
cblr-1739	1082	11	results	result	NOUN
cblr-1739	1082	12	in	in	ADP
cblr-1739	1082	13	disparate	disparate	ADJ
cblr-1739	1082	14	impact	impact	NOUN
cblr-1739	1082	15	based	base	VERB
cblr-1739	1082	16	on	on	ADP
cblr-1739	1082	17	race	race	NOUN
cblr-1739	1082	18	,	,	PUNCT
cblr-1739	1082	19	gender	gender	NOUN
cblr-1739	1082	20	,	,	PUNCT
cblr-1739	1082	21	or	or	CCONJ
cblr-1739	1082	22	other	other	ADJ
cblr-1739	1082	23	off	off	ADJ
cblr-1739	1082	24	-	-	PUNCT
cblr-1739	1082	25	limits	limit	NOUN
cblr-1739	1082	26	characteristics	characteristic	NOUN
cblr-1739	1082	27	,	,	PUNCT
cblr-1739	1082	28	and	and	CCONJ
cblr-1739	1082	29	therefore	therefore	ADV
cblr-1739	1082	30	violates	violate	VERB
cblr-1739	1082	31	ecoa	ecoa	NOUN
cblr-1739	1082	32	.	.	PUNCT
cblr-1739	1083	1	see	see	VERB
cblr-1739	1083	2	robert	robert	PROPN
cblr-1739	1083	3	b.	b.	PROPN
cblr-1739	1083	4	avery	avery	PROPN
cblr-1739	1083	5	et	et	PROPN
cblr-1739	1083	6	al	al	PROPN
cblr-1739	1083	7	.	.	PROPN
cblr-1739	1083	8	,	,	PUNCT
cblr-1739	1083	9	does	do	AUX
cblr-1739	1083	10	credit	credit	NOUN
cblr-1739	1083	11	scoring	scoring	NOUN
cblr-1739	1083	12	produce	produce	VERB
cblr-1739	1083	13	a	a	DET
cblr-1739	1083	14	disparate	disparate	ADJ
cblr-1739	1083	15	impact	impact	NOUN
cblr-1739	1083	16	?	?	PUNCT
cblr-1739	1083	17	,	,	PUNCT
cblr-1739	1083	18	40	40	NUM
cblr-1739	1083	19	real	real	ADJ
cblr-1739	1083	20	est	est	X
cblr-1739	1083	21	.	.	PUNCT
cblr-1739	1084	1	econ	econ	PROPN
cblr-1739	1084	2	.	.	PROPN
cblr-1739	1085	1	1	1	NUM
cblr-1739	1085	2	,	,	PUNCT
cblr-1739	1085	3	3	3	NUM
cblr-1739	1085	4	(	(	PUNCT
cblr-1739	1085	5	2012	2012	NUM
cblr-1739	1085	6	)	)	PUNCT
cblr-1739	1085	7	.	.	PUNCT
cblr-1739	1086	1	similarly	similarly	ADV
cblr-1739	1086	2	,	,	PUNCT
cblr-1739	1086	3	federal	federal	PROPN
cblr-1739	1086	4	reserve	reserve	PROPN
cblr-1739	1086	5	board	board	PROPN
cblr-1739	1086	6	researchers	researcher	NOUN
cblr-1739	1086	7	have	have	AUX
cblr-1739	1086	8	found	find	VERB
cblr-1739	1086	9	that	that	SCONJ
cblr-1739	1086	10	different	different	ADJ
cblr-1739	1086	11	demographic	demographic	ADJ
cblr-1739	1086	12	groups	group	NOUN
cblr-1739	1086	13	have	have	VERB
cblr-1739	1086	14	very	very	ADV
cblr-1739	1086	15	different	different	ADJ
cblr-1739	1086	16	credit	credit	NOUN
cblr-1739	1086	17	scores	score	NOUN
cblr-1739	1086	18	,	,	PUNCT
cblr-1739	1086	19	on	on	ADP
cblr-1739	1086	20	average	average	ADJ
cblr-1739	1086	21	.	.	PUNCT
cblr-1739	1087	1	for	for	ADP
cblr-1739	1087	2	example	example	NOUN
cblr-1739	1087	3	,	,	PUNCT
cblr-1739	1087	4	blacks	black	NOUN
cblr-1739	1087	5	and	and	CCONJ
cblr-1739	1087	6	hispanics	hispanic	NOUN
cblr-1739	1087	7	have	have	VERB
cblr-1739	1087	8	lower	low	ADJ
cblr-1739	1087	9	credit	credit	NOUN
cblr-1739	1087	10	scores	score	NOUN
cblr-1739	1087	11	than	than	ADP
cblr-1739	1087	12	non	non	ADJ
cblr-1739	1087	13	-	-	ADJ
cblr-1739	1087	14	hispanic	hispanic	ADJ
cblr-1739	1087	15	whites	white	NOUN
cblr-1739	1087	16	and	and	CCONJ
cblr-1739	1087	17	asians	asians	PROPN
cblr-1739	1087	18	.	.	PUNCT
cblr-1739	1088	1	see	see	VERB
cblr-1739	1088	2	bd	bd	PROPN
cblr-1739	1088	3	.	.	PROPN
cblr-1739	1088	4	of	of	ADP
cblr-1739	1088	5	governors	governor	NOUN
cblr-1739	1088	6	of	of	ADP
cblr-1739	1088	7	the	the	DET
cblr-1739	1088	8	fed	fed	PROPN
cblr-1739	1088	9	.	.	PUNCT
cblr-1739	1089	1	reserve	reserve	PROPN
cblr-1739	1089	2	sys	sys	PROPN
cblr-1739	1089	3	.	.	PROPN
cblr-1739	1089	4	,	,	PUNCT
cblr-1739	1089	5	report	report	VERB
cblr-1739	1089	6	to	to	ADP
cblr-1739	1089	7	congress	congress	PROPN
cblr-1739	1089	8	on	on	ADP
cblr-1739	1089	9	credit	credit	NOUN
cblr-1739	1089	10	scoring	scoring	NOUN
cblr-1739	1089	11	and	and	CCONJ
cblr-1739	1089	12	its	its	PRON
cblr-1739	1089	13	effects	effect	NOUN
cblr-1739	1089	14	on	on	ADP
cblr-1739	1089	15	the	the	DET
cblr-1739	1089	16	availability	availability	NOUN
cblr-1739	1089	17	and	and	CCONJ
cblr-1739	1089	18	affordability	affordability	NOUN
cblr-1739	1089	19	of	of	ADP
cblr-1739	1089	20	credit	credit	NOUN
cblr-1739	1089	21	(	(	PUNCT
cblr-1739	1089	22	2007	2007	NUM
cblr-1739	1089	23	)	)	PUNCT
cblr-1739	1089	24	,	,	PUNCT
cblr-1739	1089	25	http://www.federal	http://www.federal	ADJ
cblr-1739	1089	26	reserve.gov/boarddocs/rptcongress/creditscore/creditscore.pdf	reserve.gov/boarddocs/rptcongress/creditscore/creditscore.pdf	NOUN
cblr-1739	1090	1	[	[	X
cblr-1739	1090	2	http://	http://	PROPN
cblr-1739	1090	3	perma.cc/3jrz-q7a4	perma.cc/3jrz-q7a4	NUM
cblr-1739	1090	4	]	]	PUNCT
cblr-1739	1090	5	.	.	PUNCT
cblr-1739	1091	1	289	289	NUM
cblr-1739	1091	2	see	see	VERB
cblr-1739	1091	3	citron	citron	NOUN
cblr-1739	1091	4	&	&	CCONJ
cblr-1739	1091	5	pasquale	pasquale	PROPN
cblr-1739	1091	6	,	,	PUNCT
cblr-1739	1091	7	supra	supra	PROPN
cblr-1739	1091	8	note	note	PROPN
cblr-1739	1091	9	27	27	NUM
cblr-1739	1091	10	,	,	PUNCT
cblr-1739	1091	11	at	at	ADP
cblr-1739	1091	12	10	10	NUM
cblr-1739	1091	13	;	;	PUNCT
cblr-1739	1091	14	see	see	VERB
cblr-1739	1091	15	also	also	ADV
cblr-1739	1091	16	donncha	donncha	PROPN
cblr-1739	1091	17	marron	marron	PROPN
cblr-1739	1091	18	,	,	PUNCT
cblr-1739	1091	19	‘	'	PUNCT
cblr-1739	1091	20	lending	lending	NOUN
cblr-1739	1091	21	by	by	ADP
cblr-1739	1091	22	numbers	number	NOUN
cblr-1739	1091	23	’	'	PUNCT
cblr-1739	1091	24	:	:	PUNCT
cblr-1739	1091	25	credit	credit	NOUN
cblr-1739	1091	26	scoring	scoring	NOUN
cblr-1739	1091	27	and	and	CCONJ
cblr-1739	1091	28	the	the	DET
cblr-1739	1091	29	constitution	constitution	NOUN
cblr-1739	1091	30	of	of	ADP
cblr-1739	1091	31	risk	risk	NOUN
cblr-1739	1091	32	within	within	ADP
cblr-1739	1091	33	american	american	ADJ
cblr-1739	1091	34	consumer	consumer	NOUN
cblr-1739	1091	35	credit	credit	NOUN
cblr-1739	1091	36	,	,	PUNCT
cblr-1739	1091	37	36	36	NUM
cblr-1739	1091	38	econ	econ	NOUN
cblr-1739	1091	39	.	.	PUNCT
cblr-1739	1091	40	&	&	CCONJ
cblr-1739	1091	41	soc’y	soc’y	PROPN
cblr-1739	1091	42	103	103	NUM
cblr-1739	1091	43	,	,	PUNCT
cblr-1739	1091	44	111	111	NUM
cblr-1739	1091	45	(	(	PUNCT
cblr-1739	1091	46	2007	2007	NUM
cblr-1739	1091	47	)	)	PUNCT
cblr-1739	1091	48	.	.	PUNCT
cblr-1739	1092	1	290	290	NUM
cblr-1739	1092	2	see	see	VERB
cblr-1739	1092	3	birny	birny	PROPN
cblr-1739	1092	4	birnbaum	birnbaum	PROPN
cblr-1739	1092	5	,	,	PUNCT
cblr-1739	1092	6	insurers	insurer	NOUN
cblr-1739	1092	7	’	'	PUNCT
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cblr-1739	1092	10	credit	credit	NOUN
cblr-1739	1092	11	scoring	scoring	NOUN
cblr-1739	1092	12	for	for	ADP
cblr-1739	1092	13	homeowners	homeowner	NOUN
cblr-1739	1092	14	insurance	insurance	NOUN
cblr-1739	1092	15	in	in	ADP
cblr-1739	1092	16	ohio	ohio	PROPN
cblr-1739	1092	17	:	:	PUNCT
cblr-1739	1092	18	a	a	DET
cblr-1739	1092	19	report	report	NOUN
cblr-1739	1092	20	to	to	ADP
cblr-1739	1092	21	the	the	DET
cblr-1739	1092	22	ohio	ohio	PROPN
cblr-1739	1092	23	civil	civil	ADJ
cblr-1739	1092	24	rights	right	NOUN
cblr-1739	1092	25	commission	commission	NOUN
cblr-1739	1092	26	2	2	NUM
cblr-1739	1092	27	(	(	PUNCT
cblr-1739	1092	28	2003	2003	NUM
cblr-1739	1092	29	)	)	PUNCT
cblr-1739	1092	30	(	(	PUNCT
cblr-1739	1092	31	“	"	PUNCT
cblr-1739	1092	32	based	base	VERB
cblr-1739	1092	33	upon	upon	SCONJ
cblr-1739	1092	34	all	all	DET
cblr-1739	1092	35	the	the	DET
cblr-1739	1092	36	available	available	ADJ
cblr-1739	1092	37	information	information	NOUN
cblr-1739	1092	38	,	,	PUNCT
cblr-1739	1092	39	it	it	PRON
cblr-1739	1092	40	is	be	AUX
cblr-1739	1092	41	our	our	PRON
cblr-1739	1092	42	opinion	opinion	NOUN
cblr-1739	1092	43	that	that	SCONJ
cblr-1739	1092	44	insurers	insurer	NOUN
cblr-1739	1092	45	’	'	PUNCT
cblr-1739	1092	46	use	use	NOUN
cblr-1739	1092	47	of	of	ADP
cblr-1739	1092	48	insurance	insurance	NOUN
cblr-1739	1092	49	credit	credit	NOUN
cblr-1739	1092	50	scoring	scoring	NOUN
cblr-1739	1092	51	for	for	ADP
cblr-1739	1092	52	underwriting	underwriting	NOUN
cblr-1739	1092	53	,	,	PUNCT
cblr-1739	1092	54	rating	rating	NOUN
cblr-1739	1092	55	,	,	PUNCT
cblr-1739	1092	56	marketing	marketing	NOUN
cblr-1739	1092	57	and/or	and/or	CCONJ
cblr-1739	1092	58	payment	payment	NOUN
cblr-1739	1092	59	plan	plan	NOUN
cblr-1739	1092	60	eligibility	eligibility	NOUN
cblr-1739	1092	61	very	very	ADV
cblr-1739	1092	62	likely	likely	ADV
cblr-1739	1092	63	has	have	AUX
cblr-1739	1092	64	a	a	DET
cblr-1739	1092	65	disparate	disparate	ADJ
cblr-1739	1092	66	impact	impact	NOUN
cblr-1739	1092	67	on	on	ADP
cblr-1739	1092	68	poor	poor	ADJ
cblr-1739	1092	69	and	and	CCONJ
cblr-1739	1092	70	minority	minority	NOUN
cblr-1739	1092	71	populations	population	NOUN
cblr-1739	1092	72	in	in	ADP
cblr-1739	1092	73	ohio	ohio	PROPN
cblr-1739	1092	74	.	.	PUNCT
cblr-1739	1092	75	”	"	PUNCT
cblr-1739	1092	76	)	)	PUNCT
cblr-1739	1092	77	.	.	PUNCT
cblr-1739	1093	1	geslevich	geslevich	PROPN
cblr-1739	1093	2	packin	packin	PROPN
cblr-1739	1093	3	&	&	CCONJ
cblr-1739	1093	4	lev	lev	PROPN
cblr-1739	1093	5	-	-	PUNCT
cblr-1739	1093	6	aretz	aretz	PROPN
cblr-1739	1093	7	–	–	PUNCT
cblr-1739	1093	8	final	final	ADJ
cblr-1739	1093	9	no	no	NOUN
cblr-1739	1093	10	.	.	PUNCT
cblr-1739	1094	1	2:339	2:339	NUM
cblr-1739	1094	2	]	]	X
cblr-1739	1094	3	on	on	ADP
cblr-1739	1094	4	social	social	ADJ
cblr-1739	1094	5	credit	credit	NOUN
cblr-1739	1094	6	415	415	NUM
cblr-1739	1094	7	that	that	PRON
cblr-1739	1094	8	were	be	AUX
cblr-1739	1094	9	invisible	invisible	ADJ
cblr-1739	1094	10	and	and	CCONJ
cblr-1739	1094	11	harmful	harmful	ADJ
cblr-1739	1094	12	to	to	ADP
cblr-1739	1094	13	consumers	consumer	NOUN
cblr-1739	1094	14	.	.	PUNCT
cblr-1739	1095	1	”291	”291	VERB
cblr-1739	1095	2	in	in	ADP
cblr-1739	1095	3	2003	2003	NUM
cblr-1739	1095	4	,	,	PUNCT
cblr-1739	1095	5	in	in	ADP
cblr-1739	1095	6	an	an	DET
cblr-1739	1095	7	attempt	attempt	NOUN
cblr-1739	1095	8	to	to	PART
cblr-1739	1095	9	increase	increase	VERB
cblr-1739	1095	10	transparency	transparency	NOUN
cblr-1739	1095	11	,	,	PUNCT
cblr-1739	1095	12	the	the	DET
cblr-1739	1095	13	facta	facta	NOUN
cblr-1739	1095	14	began	begin	VERB
cblr-1739	1095	15	requiring	require	VERB
cblr-1739	1095	16	credit	credit	NOUN
cblr-1739	1095	17	bureaus	bureau	NOUN
cblr-1739	1095	18	to	to	PART
cblr-1739	1095	19	disclose	disclose	VERB
cblr-1739	1095	20	credit	credit	NOUN
cblr-1739	1095	21	scores	score	NOUN
cblr-1739	1095	22	to	to	ADP
cblr-1739	1095	23	individuals.292	individuals.292	ADP
cblr-1739	1095	24	the	the	DET
cblr-1739	1095	25	disparate	disparate	ADJ
cblr-1739	1095	26	impact	impact	NOUN
cblr-1739	1095	27	doctrine	doctrine	NOUN
cblr-1739	1095	28	could	could	AUX
cblr-1739	1095	29	address	address	VERB
cblr-1739	1095	30	the	the	DET
cblr-1739	1095	31	concerns	concern	NOUN
cblr-1739	1095	32	raised	raise	VERB
cblr-1739	1095	33	by	by	ADP
cblr-1739	1095	34	social	social	ADJ
cblr-1739	1095	35	credit	credit	NOUN
cblr-1739	1095	36	systems	system	NOUN
cblr-1739	1095	37	that	that	PRON
cblr-1739	1095	38	are	be	AUX
cblr-1739	1095	39	similar	similar	ADJ
cblr-1739	1095	40	to	to	ADP
cblr-1739	1095	41	those	those	PRON
cblr-1739	1095	42	raised	raise	VERB
cblr-1739	1095	43	by	by	ADP
cblr-1739	1095	44	traditional	traditional	ADJ
cblr-1739	1095	45	credit	credit	NOUN
cblr-1739	1095	46	scoring	scoring	NOUN
cblr-1739	1095	47	systems	system	NOUN
cblr-1739	1095	48	.	.	PUNCT
cblr-1739	1096	1	however	however	ADV
cblr-1739	1096	2	,	,	PUNCT
cblr-1739	1096	3	the	the	DET
cblr-1739	1096	4	disparate	disparate	ADJ
cblr-1739	1096	5	impact	impact	NOUN
cblr-1739	1096	6	doctrine	doctrine	NOUN
cblr-1739	1096	7	is	be	AUX
cblr-1739	1096	8	not	not	PART
cblr-1739	1096	9	equipped	equip	VERB
cblr-1739	1096	10	to	to	PART
cblr-1739	1096	11	face	face	VERB
cblr-1739	1096	12	the	the	DET
cblr-1739	1096	13	multiple	multiple	ADJ
cblr-1739	1096	14	challenges	challenge	NOUN
cblr-1739	1096	15	of	of	ADP
cblr-1739	1096	16	social	social	ADJ
cblr-1739	1096	17	credit	credit	NOUN
cblr-1739	1096	18	systems	system	NOUN
cblr-1739	1096	19	for	for	ADP
cblr-1739	1096	20	several	several	ADJ
cblr-1739	1096	21	reasons	reason	NOUN
cblr-1739	1096	22	.	.	PUNCT
cblr-1739	1097	1	first	first	ADV
cblr-1739	1097	2	,	,	PUNCT
cblr-1739	1097	3	notwithstanding	notwithstanding	ADP
cblr-1739	1097	4	evidence	evidence	NOUN
cblr-1739	1097	5	suggesting	suggest	VERB
cblr-1739	1097	6	that	that	SCONJ
cblr-1739	1097	7	current	current	ADJ
cblr-1739	1097	8	credit	credit	NOUN
cblr-1739	1097	9	scoring	scoring	NOUN
cblr-1739	1097	10	systems	system	NOUN
cblr-1739	1097	11	have	have	VERB
cblr-1739	1097	12	a	a	DET
cblr-1739	1097	13	negative	negative	ADJ
cblr-1739	1097	14	disparate	disparate	ADJ
cblr-1739	1097	15	effect	effect	NOUN
cblr-1739	1097	16	on	on	ADP
cblr-1739	1097	17	disadvantaged	disadvantaged	ADJ
cblr-1739	1097	18	groups,293	groups,293	NOUN
cblr-1739	1097	19	the	the	DET
cblr-1739	1097	20	system	system	NOUN
cblr-1739	1097	21	,	,	PUNCT
cblr-1739	1097	22	as	as	ADP
cblr-1739	1097	23	a	a	DET
cblr-1739	1097	24	whole	whole	NOUN
cblr-1739	1097	25	,	,	PUNCT
cblr-1739	1097	26	has	have	AUX
cblr-1739	1097	27	not	not	PART
cblr-1739	1097	28	been	be	AUX
cblr-1739	1097	29	reformed	reform	VERB
cblr-1739	1097	30	,	,	PUNCT
cblr-1739	1097	31	and	and	CCONJ
cblr-1739	1097	32	discriminatory	discriminatory	ADJ
cblr-1739	1097	33	effects	effect	NOUN
cblr-1739	1097	34	still	still	ADV
cblr-1739	1097	35	exist.294	exist.294	VERB
cblr-1739	1097	36	second	second	ADJ
cblr-1739	1097	37	,	,	PUNCT
cblr-1739	1097	38	it	it	PRON
cblr-1739	1097	39	is	be	AUX
cblr-1739	1097	40	still	still	ADV
cblr-1739	1097	41	not	not	PART
cblr-1739	1097	42	clear	clear	ADJ
cblr-1739	1097	43	whether	whether	SCONJ
cblr-1739	1097	44	a	a	DET
cblr-1739	1097	45	disparate	disparate	ADJ
cblr-1739	1097	46	291	291	NUM
cblr-1739	1097	47	see	see	NOUN
cblr-1739	1097	48	edith	edith	PROPN
cblr-1739	1097	49	ramirez	ramirez	PROPN
cblr-1739	1097	50	,	,	PUNCT
cblr-1739	1097	51	chairwoman	chairwoman	NOUN
cblr-1739	1097	52	,	,	PUNCT
cblr-1739	1097	53	fed	fed	PROPN
cblr-1739	1097	54	.	.	PUNCT
cblr-1739	1098	1	trade	trade	PROPN
cblr-1739	1098	2	comm’n	comm’n	NOUN
cblr-1739	1098	3	,	,	PUNCT
cblr-1739	1098	4	keynote	keynote	ADJ
cblr-1739	1098	5	address	address	NOUN
cblr-1739	1098	6	at	at	ADP
cblr-1739	1098	7	the	the	DET
cblr-1739	1098	8	technology	technology	NOUN
cblr-1739	1098	9	policy	policy	PROPN
cblr-1739	1098	10	institute	institute	PROPN
cblr-1739	1098	11	aspen	aspen	PROPN
cblr-1739	1098	12	forum	forum	PROPN
cblr-1739	1098	13	:	:	PUNCT
cblr-1739	1098	14	privacy	privacy	NOUN
cblr-1739	1098	15	challenges	challenge	NOUN
cblr-1739	1098	16	in	in	ADP
cblr-1739	1098	17	the	the	DET
cblr-1739	1098	18	era	era	NOUN
cblr-1739	1098	19	of	of	ADP
cblr-1739	1098	20	big	big	ADJ
cblr-1739	1098	21	data	datum	NOUN
cblr-1739	1098	22	:	:	PUNCT
cblr-1739	1098	23	a	a	DET
cblr-1739	1098	24	view	view	NOUN
cblr-1739	1098	25	from	from	ADP
cblr-1739	1098	26	the	the	DET
cblr-1739	1098	27	lifeguard	lifeguard	PROPN
cblr-1739	1098	28	’s	’s	PART
cblr-1739	1098	29	chair	chair	NOUN
cblr-1739	1098	30	3	3	NUM
cblr-1739	1098	31	(	(	PUNCT
cblr-1739	1098	32	aug	aug	PROPN
cblr-1739	1098	33	.	.	PROPN
cblr-1739	1098	34	19	19	NUM
cblr-1739	1098	35	,	,	PUNCT
cblr-1739	1098	36	2013	2013	NUM
cblr-1739	1098	37	)	)	PUNCT
cblr-1739	1098	38	,	,	PUNCT
cblr-1739	1098	39	https://www.ftc.gov/sites/default/files/documents/public	https://www.ftc.gov/sites/default/files/documents/public	NOUN
cblr-1739	1098	40	_	_	SYM
cblr-1739	1098	41	statements	statement	NOUN
cblr-1739	1098	42	/	/	SYM
cblr-1739	1098	43	privacy	privacy	NOUN
cblr-1739	1098	44	-	-	PUNCT
cblr-1739	1098	45	challenges	challenge	NOUN
cblr-1739	1098	46	-	-	PUNCT
cblr-1739	1098	47	big	big	ADJ
cblr-1739	1098	48	-	-	PUNCT
cblr-1739	1098	49	data	data	NOUN
cblr-1739	1098	50	-	-	PUNCT
cblr-1739	1098	51	view	view	NOUN
cblr-1739	1098	52	-	-	PUNCT
cblr-1739	1098	53	lifeguard%e2%80%99schair/130819bigdataaspen.pdf	lifeguard%e2%80%99schair/130819bigdataaspen.pdf	NOUN
cblr-1739	1098	54	[	[	X
cblr-1739	1098	55	http://perma.cc/5uxc-epww	http://perma.cc/5uxc-epww	NOUN
cblr-1739	1098	56	]	]	X
cblr-1739	1098	57	.	.	PUNCT
cblr-1739	1099	1	292	292	NUM
cblr-1739	1099	2	15	15	NUM
cblr-1739	1099	3	u.s.c	u.s.c	NOUN
cblr-1739	1099	4	.	.	PUNCT
cblr-1739	1100	1	§	§	PROPN
cblr-1739	1100	2	1681	1681	NUM
cblr-1739	1100	3	g	g	PROPN
cblr-1739	1100	4	(	(	PUNCT
cblr-1739	1100	5	2012	2012	NUM
cblr-1739	1100	6	)	)	PUNCT
cblr-1739	1100	7	.	.	PUNCT
cblr-1739	1101	1	293	293	NUM
cblr-1739	1101	2	see	see	VERB
cblr-1739	1101	3	,	,	PUNCT
cblr-1739	1101	4	for	for	ADP
cblr-1739	1101	5	example	example	NOUN
cblr-1739	1101	6	,	,	PUNCT
cblr-1739	1101	7	the	the	DET
cblr-1739	1101	8	statement	statement	NOUN
cblr-1739	1101	9	of	of	ADP
cblr-1739	1101	10	the	the	DET
cblr-1739	1101	11	national	national	ADJ
cblr-1739	1101	12	fair	fair	PROPN
cblr-1739	1101	13	housing	housing	PROPN
cblr-1739	1101	14	alliance	alliance	NOUN
cblr-1739	1101	15	,	,	PUNCT
cblr-1739	1101	16	from	from	ADP
cblr-1739	1101	17	111th	111th	ADJ
cblr-1739	1101	18	cong	cong	NOUN
cblr-1739	1101	19	.	.	PUNCT
cblr-1739	1102	1	16	16	NUM
cblr-1739	1102	2	(	(	PUNCT
cblr-1739	1102	3	2010	2010	NUM
cblr-1739	1102	4	)	)	PUNCT
cblr-1739	1102	5	,	,	PUNCT
cblr-1739	1102	6	supra	supra	PROPN
cblr-1739	1102	7	note	note	NOUN
cblr-1739	1102	8	286	286	NUM
cblr-1739	1102	9	.	.	PUNCT
cblr-1739	1103	1	claims	claim	NOUN
cblr-1739	1103	2	of	of	ADP
cblr-1739	1103	3	disparate	disparate	ADJ
cblr-1739	1103	4	impact	impact	NOUN
cblr-1739	1103	5	on	on	ADP
cblr-1739	1103	6	minorities	minority	NOUN
cblr-1739	1103	7	and	and	CCONJ
cblr-1739	1103	8	specifically	specifically	ADV
cblr-1739	1103	9	that	that	SCONJ
cblr-1739	1103	10	insurers	insurer	NOUN
cblr-1739	1103	11	’	'	PUNCT
cblr-1739	1103	12	use	use	NOUN
cblr-1739	1103	13	of	of	ADP
cblr-1739	1103	14	credit	credit	NOUN
cblr-1739	1103	15	scores	score	NOUN
cblr-1739	1103	16	is	be	AUX
cblr-1739	1103	17	discriminatory	discriminatory	ADJ
cblr-1739	1103	18	were	be	AUX
cblr-1739	1103	19	litigated	litigate	VERB
cblr-1739	1103	20	in	in	ADP
cblr-1739	1103	21	court	court	NOUN
cblr-1739	1103	22	.	.	PUNCT
cblr-1739	1104	1	dehoyos	dehoyos	PROPN
cblr-1739	1104	2	v.	v.	ADP
cblr-1739	1104	3	allstate	allstate	PROPN
cblr-1739	1104	4	,	,	PUNCT
cblr-1739	1104	5	240	240	NUM
cblr-1739	1104	6	f.r.d	f.r.d	NOUN
cblr-1739	1104	7	.	.	PROPN
cblr-1739	1104	8	269	269	NUM
cblr-1739	1104	9	,	,	PUNCT
cblr-1739	1104	10	275	275	NUM
cblr-1739	1104	11	(	(	PUNCT
cblr-1739	1104	12	w.d	w.d	PROPN
cblr-1739	1104	13	.	.	PUNCT
cblr-1739	1104	14	tex	tex	PROPN
cblr-1739	1104	15	.	.	PROPN
cblr-1739	1104	16	2007	2007	NUM
cblr-1739	1104	17	)	)	PUNCT
cblr-1739	1104	18	.	.	PUNCT
cblr-1739	1105	1	these	these	DET
cblr-1739	1105	2	claims	claim	NOUN
cblr-1739	1105	3	eventually	eventually	ADV
cblr-1739	1105	4	resulted	result	VERB
cblr-1739	1105	5	in	in	ADP
cblr-1739	1105	6	a	a	DET
cblr-1739	1105	7	settlement	settlement	NOUN
cblr-1739	1105	8	over	over	ADP
cblr-1739	1105	9	“	"	PUNCT
cblr-1739	1105	10	deficiencies	deficiency	NOUN
cblr-1739	1105	11	in	in	ADP
cblr-1739	1105	12	allstate	allstate	PROPN
cblr-1739	1105	13	’s	’s	PART
cblr-1739	1105	14	credit	credit	NOUN
cblr-1739	1105	15	scoring	scoring	NOUN
cblr-1739	1105	16	procedure	procedure	NOUN
cblr-1739	1105	17	which	which	PRON
cblr-1739	1105	18	plaintiffs	plaintiff	NOUN
cblr-1739	1105	19	say	say	VERB
cblr-1739	1105	20	resulted	result	VERB
cblr-1739	1105	21	in	in	ADP
cblr-1739	1105	22	discriminatory	discriminatory	ADJ
cblr-1739	1105	23	action	action	NOUN
cblr-1739	1105	24	against	against	ADP
cblr-1739	1105	25	approximately	approximately	ADV
cblr-1739	1105	26	five	five	NUM
cblr-1739	1105	27	million	million	NUM
cblr-1739	1105	28	african	african	ADJ
cblr-1739	1105	29	-	-	PUNCT
cblr-1739	1105	30	american	american	ADJ
cblr-1739	1105	31	and	and	CCONJ
cblr-1739	1105	32	hispanic	hispanic	ADJ
cblr-1739	1105	33	customers	customer	NOUN
cblr-1739	1105	34	.	.	PUNCT
cblr-1739	1105	35	”	"	PUNCT
cblr-1739	1106	1	i	i	PRON
cblr-1739	1106	2	d.	d.	PROPN
cblr-1739	1106	3	the	the	DET
cblr-1739	1106	4	parties	party	NOUN
cblr-1739	1106	5	settled	settle	VERB
cblr-1739	1106	6	after	after	SCONJ
cblr-1739	1106	7	the	the	DET
cblr-1739	1106	8	fifth	fifth	ADJ
cblr-1739	1106	9	circuit	circuit	NOUN
cblr-1739	1106	10	determined	determine	VERB
cblr-1739	1106	11	that	that	SCONJ
cblr-1739	1106	12	federal	federal	ADJ
cblr-1739	1106	13	civil	civil	ADJ
cblr-1739	1106	14	rights	right	NOUN
cblr-1739	1106	15	law	law	NOUN
cblr-1739	1106	16	was	be	AUX
cblr-1739	1106	17	not	not	PART
cblr-1739	1106	18	reverse	reverse	ADJ
cblr-1739	1106	19	preempted	preempt	VERB
cblr-1739	1106	20	by	by	ADP
cblr-1739	1106	21	the	the	DET
cblr-1739	1106	22	mccarran	mccarran	PROPN
cblr-1739	1106	23	-	-	PUNCT
cblr-1739	1106	24	ferguson	ferguson	PROPN
cblr-1739	1106	25	act	act	PROPN
cblr-1739	1106	26	’s	’s	PART
cblr-1739	1106	27	grant	grant	NOUN
cblr-1739	1106	28	of	of	ADP
cblr-1739	1106	29	insurance	insurance	NOUN
cblr-1739	1106	30	regulatory	regulatory	ADJ
cblr-1739	1106	31	authority	authority	NOUN
cblr-1739	1106	32	to	to	ADP
cblr-1739	1106	33	states	state	NOUN
cblr-1739	1106	34	.	.	PUNCT
cblr-1739	1107	1	see	see	VERB
cblr-1739	1107	2	dehoyos	dehoyos	PROPN
cblr-1739	1107	3	v.	v.	ADP
cblr-1739	1107	4	allstate	allstate	PROPN
cblr-1739	1107	5	,	,	PUNCT
cblr-1739	1107	6	345	345	NUM
cblr-1739	1107	7	f.3d	f.3d	NUM
cblr-1739	1107	8	290	290	NUM
cblr-1739	1107	9	,	,	PUNCT
cblr-1739	1107	10	299	299	NUM
cblr-1739	1107	11	(	(	PUNCT
cblr-1739	1107	12	5th	5th	ADJ
cblr-1739	1107	13	cir	cir	NOUN
cblr-1739	1107	14	.	.	PUNCT
cblr-1739	1107	15	2003	2003	NUM
cblr-1739	1107	16	)	)	PUNCT
cblr-1739	1107	17	.	.	PUNCT
cblr-1739	1108	1	ecoa	ecoa	PROPN
cblr-1739	1108	2	,	,	PUNCT
cblr-1739	1108	3	which	which	PRON
cblr-1739	1108	4	regulates	regulate	VERB
cblr-1739	1108	5	lending	lending	NOUN
cblr-1739	1108	6	practices	practice	NOUN
cblr-1739	1108	7	,	,	PUNCT
cblr-1739	1108	8	does	do	AUX
cblr-1739	1108	9	not	not	PART
cblr-1739	1108	10	preempt	preempt	VERB
cblr-1739	1108	11	state	state	NOUN
cblr-1739	1108	12	laws	law	NOUN
cblr-1739	1108	13	that	that	PRON
cblr-1739	1108	14	are	be	AUX
cblr-1739	1108	15	stricter	strict	ADJ
cblr-1739	1108	16	than	than	ADP
cblr-1739	1108	17	ecoa	ecoa	ADJ
cblr-1739	1108	18	.	.	PUNCT
cblr-1739	1109	1	294	294	NUM
cblr-1739	1109	2	this	this	PRON
cblr-1739	1109	3	does	do	AUX
cblr-1739	1109	4	not	not	PART
cblr-1739	1109	5	mean	mean	VERB
cblr-1739	1109	6	that	that	SCONJ
cblr-1739	1109	7	specific	specific	ADJ
cblr-1739	1109	8	aspects	aspect	NOUN
cblr-1739	1109	9	of	of	ADP
cblr-1739	1109	10	specific	specific	ADJ
cblr-1739	1109	11	users	user	NOUN
cblr-1739	1109	12	’	'	PUNCT
cblr-1739	1109	13	scoring	scoring	NOUN
cblr-1739	1109	14	systems	system	NOUN
cblr-1739	1109	15	were	be	AUX
cblr-1739	1109	16	never	never	ADV
cblr-1739	1109	17	altered	alter	VERB
cblr-1739	1109	18	or	or	CCONJ
cblr-1739	1109	19	improved	improve	VERB
cblr-1739	1109	20	to	to	PART
cblr-1739	1109	21	reduce	reduce	VERB
cblr-1739	1109	22	discrimination	discrimination	NOUN
cblr-1739	1109	23	.	.	PUNCT
cblr-1739	1110	1	minor	minor	ADJ
cblr-1739	1110	2	specific	specific	ADJ
cblr-1739	1110	3	modifications	modification	NOUN
cblr-1739	1110	4	do	do	AUX
cblr-1739	1110	5	happen	happen	VERB
cblr-1739	1110	6	when	when	SCONJ
cblr-1739	1110	7	the	the	DET
cblr-1739	1110	8	need	need	NOUN
cblr-1739	1110	9	to	to	PART
cblr-1739	1110	10	do	do	AUX
cblr-1739	1110	11	so	so	ADV
cblr-1739	1110	12	arises	arise	VERB
cblr-1739	1110	13	,	,	PUNCT
cblr-1739	1110	14	as	as	SCONJ
cblr-1739	1110	15	it	it	PRON
cblr-1739	1110	16	did	do	VERB
cblr-1739	1110	17	for	for	ADP
cblr-1739	1110	18	example	example	NOUN
cblr-1739	1110	19	,	,	PUNCT
cblr-1739	1110	20	in	in	ADP
cblr-1739	1110	21	the	the	DET
cblr-1739	1110	22	allstate	allstate	PROPN
cblr-1739	1110	23	litigation	litigation	PROPN
cblr-1739	1110	24	,	,	PUNCT
cblr-1739	1110	25	which	which	PRON
cblr-1739	1110	26	resulted	result	VERB
cblr-1739	1110	27	concluding	conclude	VERB
cblr-1739	1110	28	that	that	SCONJ
cblr-1739	1110	29	as	as	SCONJ
cblr-1739	1110	30	part	part	NOUN
cblr-1739	1110	31	of	of	ADP
cblr-1739	1110	32	the	the	DET
cblr-1739	1110	33	settlement	settlement	NOUN
cblr-1739	1110	34	plaintiffs	plaintiff	NOUN
cblr-1739	1110	35	’	'	PUNCT
cblr-1739	1110	36	experts	expert	NOUN
cblr-1739	1110	37	were	be	AUX
cblr-1739	1110	38	permitted	permit	VERB
cblr-1739	1110	39	to	to	PART
cblr-1739	1110	40	critique	critique	VERB
cblr-1739	1110	41	and	and	CCONJ
cblr-1739	1110	42	refine	refine	VERB
cblr-1739	1110	43	future	future	ADJ
cblr-1739	1110	44	scoring	scoring	NOUN
cblr-1739	1110	45	models	model	NOUN
cblr-1739	1110	46	.	.	PUNCT
cblr-1739	1111	1	dehoyos	dehoyos	PROPN
cblr-1739	1111	2	,	,	PUNCT
cblr-1739	1111	3	240	240	NUM
cblr-1739	1111	4	f.r.d	f.r.d	NOUN
cblr-1739	1111	5	.	.	PUNCT
cblr-1739	1112	1	at	at	ADP
cblr-1739	1112	2	276	276	NUM
cblr-1739	1112	3	.	.	PUNCT
cblr-1739	1113	1	similarly	similarly	ADV
cblr-1739	1113	2	,	,	PUNCT
cblr-1739	1113	3	this	this	DET
cblr-1739	1113	4	type	type	NOUN
cblr-1739	1113	5	of	of	ADP
cblr-1739	1113	6	evidence	evidence	NOUN
cblr-1739	1113	7	about	about	ADP
cblr-1739	1113	8	disparate	disparate	ADJ
cblr-1739	1113	9	impact	impact	NOUN
cblr-1739	1113	10	also	also	ADV
cblr-1739	1113	11	led	lead	VERB
cblr-1739	1113	12	many	many	ADJ
cblr-1739	1113	13	states	state	NOUN
cblr-1739	1113	14	to	to	PART
cblr-1739	1113	15	take	take	VERB
cblr-1739	1113	16	active	active	ADJ
cblr-1739	1113	17	action	action	NOUN
cblr-1739	1113	18	to	to	PART
cblr-1739	1113	19	regulate	regulate	VERB
cblr-1739	1113	20	how	how	SCONJ
cblr-1739	1113	21	credit	credit	NOUN
cblr-1739	1113	22	scores	score	NOUN
cblr-1739	1113	23	should	should	AUX
cblr-1739	1113	24	be	be	AUX
cblr-1739	1113	25	used	use	VERB
cblr-1739	1113	26	in	in	ADP
cblr-1739	1113	27	insurance	insurance	NOUN
cblr-1739	1113	28	underwriting	underwriting	NOUN
cblr-1739	1113	29	.	.	PUNCT
cblr-1739	1114	1	geslevich	geslevich	PROPN
cblr-1739	1114	2	packin	packin	PROPN
cblr-1739	1114	3	&	&	CCONJ
cblr-1739	1114	4	lev	lev	PROPN
cblr-1739	1114	5	-	-	PUNCT
cblr-1739	1114	6	aretz	aretz	PROPN
cblr-1739	1114	7	–	–	PUNCT
cblr-1739	1114	8	final	final	ADJ
cblr-1739	1114	9	416	416	NUM
cblr-1739	1114	10	columbia	columbia	PROPN
cblr-1739	1114	11	business	business	NOUN
cblr-1739	1114	12	law	law	PROPN
cblr-1739	1114	13	review	review	NOUN
cblr-1739	1115	1	[	[	X
cblr-1739	1115	2	vol	vol	NOUN
cblr-1739	1115	3	.	.	NOUN
cblr-1739	1115	4	2016	2016	NUM
cblr-1739	1115	5	impact	impact	NOUN
cblr-1739	1115	6	argument	argument	NOUN
cblr-1739	1115	7	can	can	AUX
cblr-1739	1115	8	be	be	AUX
cblr-1739	1115	9	used	use	VERB
cblr-1739	1115	10	to	to	PART
cblr-1739	1115	11	challenge	challenge	VERB
cblr-1739	1115	12	algorithmic	algorithmic	ADJ
cblr-1739	1115	13	decision	decision	NOUN
cblr-1739	1115	14	-	-	PUNCT
cblr-1739	1115	15	making	making	NOUN
cblr-1739	1115	16	.	.	PUNCT
cblr-1739	1116	1	even	even	ADV
cblr-1739	1116	2	though	though	SCONJ
cblr-1739	1116	3	experts	expert	NOUN
cblr-1739	1116	4	argue	argue	VERB
cblr-1739	1116	5	that	that	SCONJ
cblr-1739	1116	6	“	"	PUNCT
cblr-1739	1116	7	[	[	X
cblr-1739	1116	8	f]ar	f]ar	X
cblr-1739	1116	9	from	from	ADP
cblr-1739	1116	10	eliminating	eliminate	VERB
cblr-1739	1116	11	existing	exist	VERB
cblr-1739	1116	12	discriminatory	discriminatory	ADJ
cblr-1739	1116	13	practices	practice	NOUN
cblr-1739	1116	14	,	,	PUNCT
cblr-1739	1116	15	credit	credit	NOUN
cblr-1739	1116	16	-	-	PUNCT
cblr-1739	1116	17	scoring	score	VERB
cblr-1739	1116	18	algorithms	algorithm	NOUN
cblr-1739	1116	19	instead	instead	ADV
cblr-1739	1116	20	grant	grant	VERB
cblr-1739	1116	21	them	they	PRON
cblr-1739	1116	22	an	an	DET
cblr-1739	1116	23	imprimatur	imprimatur	NOUN
cblr-1739	1116	24	,	,	PUNCT
cblr-1739	1116	25	systematizing	systematize	VERB
cblr-1739	1116	26	them	they	PRON
cblr-1739	1116	27	in	in	ADP
cblr-1739	1116	28	hidden	hide	VERB
cblr-1739	1116	29	ways,”295	ways,”295	NOUN
cblr-1739	1116	30	proving	prove	VERB
cblr-1739	1116	31	prohibited	prohibit	VERB
cblr-1739	1116	32	biases	bias	NOUN
cblr-1739	1116	33	and	and	CCONJ
cblr-1739	1116	34	systematic	systematic	ADJ
cblr-1739	1116	35	discriminatory	discriminatory	ADJ
cblr-1739	1116	36	treatment	treatment	NOUN
cblr-1739	1116	37	is	be	AUX
cblr-1739	1116	38	proving	prove	VERB
cblr-1739	1116	39	to	to	PART
cblr-1739	1116	40	be	be	AUX
cblr-1739	1116	41	extremely	extremely	ADV
cblr-1739	1116	42	complicated	complicated	ADJ
cblr-1739	1116	43	.	.	PUNCT
cblr-1739	1117	1	specifically	specifically	ADV
cblr-1739	1117	2	,	,	PUNCT
cblr-1739	1117	3	one	one	PRON
cblr-1739	1117	4	would	would	AUX
cblr-1739	1117	5	need	need	VERB
cblr-1739	1117	6	access	access	NOUN
cblr-1739	1117	7	to	to	ADP
cblr-1739	1117	8	the	the	DET
cblr-1739	1117	9	relevant	relevant	ADJ
cblr-1739	1117	10	source	source	NOUN
cblr-1739	1117	11	code	code	NOUN
cblr-1739	1117	12	,	,	PUNCT
cblr-1739	1117	13	programmers	programmer	NOUN
cblr-1739	1117	14	’	’	PART
cblr-1739	1117	15	summaries	summary	NOUN
cblr-1739	1117	16	and	and	CCONJ
cblr-1739	1117	17	logs,296	logs,296	VERB
cblr-1739	1117	18	and	and	CCONJ
cblr-1739	1117	19	the	the	DET
cblr-1739	1117	20	actual	actual	ADJ
cblr-1739	1117	21	algorithms	algorithm	NOUN
cblr-1739	1117	22	protected	protect	VERB
cblr-1739	1117	23	by	by	ADP
cblr-1739	1117	24	trade	trade	NOUN
cblr-1739	1117	25	secrets	secret	NOUN
cblr-1739	1117	26	in	in	ADP
cblr-1739	1117	27	order	order	NOUN
cblr-1739	1117	28	to	to	PART
cblr-1739	1117	29	detect	detect	VERB
cblr-1739	1117	30	a	a	DET
cblr-1739	1117	31	prohibited	prohibit	VERB
cblr-1739	1117	32	human	human	ADJ
cblr-1739	1117	33	bias.297	bias.297	PROPN
cblr-1739	1117	34	moreover	moreover	ADV
cblr-1739	1117	35	,	,	PUNCT
cblr-1739	1117	36	supervised	supervised	ADJ
cblr-1739	1117	37	machine	machine	NOUN
cblr-1739	1117	38	-	-	PUNCT
cblr-1739	1117	39	learning	learning	NOUN
cblr-1739	1117	40	is	be	AUX
cblr-1739	1117	41	even	even	ADV
cblr-1739	1117	42	more	more	ADV
cblr-1739	1117	43	immune	immune	ADJ
cblr-1739	1117	44	to	to	PART
cblr-1739	1117	45	reverse	reverse	VERB
cblr-1739	1117	46	engineering	engineering	NOUN
cblr-1739	1117	47	or	or	CCONJ
cblr-1739	1117	48	scrutiny	scrutiny	NOUN
cblr-1739	1117	49	,	,	PUNCT
cblr-1739	1117	50	as	as	SCONJ
cblr-1739	1117	51	described	describe	VERB
cblr-1739	1117	52	above.298	above.298	PRON
cblr-1739	1117	53	c.	c.	NOUN
cblr-1739	1117	54	the	the	DET
cblr-1739	1117	55	right	right	NOUN
cblr-1739	1117	56	to	to	PART
cblr-1739	1117	57	be	be	AUX
cblr-1739	1117	58	unnetworked299	unnetworked299	PROPN
cblr-1739	1117	59	against	against	ADP
cblr-1739	1117	60	the	the	DET
cblr-1739	1117	61	backdrop	backdrop	NOUN
cblr-1739	1117	62	of	of	ADP
cblr-1739	1117	63	potential	potential	ADJ
cblr-1739	1117	64	privacy	privacy	NOUN
cblr-1739	1117	65	harms	harm	NOUN
cblr-1739	1117	66	,	,	PUNCT
cblr-1739	1117	67	social	social	ADJ
cblr-1739	1117	68	segregation	segregation	NOUN
cblr-1739	1117	69	,	,	PUNCT
cblr-1739	1117	70	due	due	ADJ
cblr-1739	1117	71	process	process	NOUN
cblr-1739	1117	72	violations	violation	NOUN
cblr-1739	1117	73	,	,	PUNCT
cblr-1739	1117	74	and	and	CCONJ
cblr-1739	1117	75	the	the	DET
cblr-1739	1117	76	de	de	X
cblr-1739	1117	77	facto	facto	X
cblr-1739	1117	78	discrimination	discrimination	NOUN
cblr-1739	1117	79	it	it	PRON
cblr-1739	1117	80	generates	generate	VERB
cblr-1739	1117	81	,	,	PUNCT
cblr-1739	1117	82	we	we	PRON
cblr-1739	1117	83	submit	submit	VERB
cblr-1739	1117	84	that	that	SCONJ
cblr-1739	1117	85	the	the	DET
cblr-1739	1117	86	use	use	NOUN
cblr-1739	1117	87	of	of	ADP
cblr-1739	1117	88	social	social	ADJ
cblr-1739	1117	89	credit	credit	NOUN
cblr-1739	1117	90	-	-	PUNCT
cblr-1739	1117	91	based	base	VERB
cblr-1739	1117	92	insurance	insurance	NOUN
cblr-1739	1117	93	scoring	scoring	NOUN
cblr-1739	1117	94	:	:	PUNCT
cblr-1739	1117	95	separating	separate	VERB
cblr-1739	1117	96	facts	fact	NOUN
cblr-1739	1117	97	from	from	ADP
cblr-1739	1117	98	fallacies	fallacy	NOUN
cblr-1739	1117	99	,	,	PUNCT
cblr-1739	1117	100	namic	namic	ADJ
cblr-1739	1117	101	pol’y	pol’y	NOUN
cblr-1739	1117	102	briefing	brief	VERB
cblr-1739	1117	103	1	1	NUM
cblr-1739	1117	104	(	(	PUNCT
cblr-1739	1117	105	2010	2010	NUM
cblr-1739	1117	106	)	)	PUNCT
cblr-1739	1117	107	,	,	PUNCT
cblr-1739	1117	108	https://iiky.org/documents/namic	https://iiky.org/documents/namic	ADJ
cblr-1739	1117	109	_	_	PRON
cblr-1739	1117	110	policy_briefing_on_insurance_scoring_feb_2010.pdf	policy_briefing_on_insurance_scoring_feb_2010.pdf	NOUN
cblr-1739	1118	1	[	[	X
cblr-1739	1118	2	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	1118	3	43s8	43s8	NUM
cblr-1739	1118	4	-	-	PUNCT
cblr-1739	1118	5	rmmy	rmmy	VERB
cblr-1739	1118	6	]	]	PUNCT
cblr-1739	1118	7	.	.	PUNCT
cblr-1739	1119	1	295	295	NUM
cblr-1739	1119	2	see	see	VERB
cblr-1739	1119	3	citron	citron	NOUN
cblr-1739	1119	4	&	&	CCONJ
cblr-1739	1119	5	pasquale	pasquale	PROPN
cblr-1739	1119	6	,	,	PUNCT
cblr-1739	1119	7	supra	supra	PROPN
cblr-1739	1119	8	note	note	PROPN
cblr-1739	1119	9	27	27	NUM
cblr-1739	1119	10	,	,	PUNCT
cblr-1739	1119	11	at	at	ADP
cblr-1739	1119	12	13	13	NUM
cblr-1739	1119	13	.	.	PUNCT
cblr-1739	1119	14	296	296	NUM
cblr-1739	1119	15	see	see	VERB
cblr-1739	1119	16	tal	tal	PROPN
cblr-1739	1119	17	zarsky	zarsky	PROPN
cblr-1739	1119	18	,	,	PUNCT
cblr-1739	1119	19	transparent	transparent	ADJ
cblr-1739	1119	20	predictions	prediction	NOUN
cblr-1739	1119	21	,	,	PUNCT
cblr-1739	1119	22	2013	2013	NUM
cblr-1739	1119	23	ill	ill	ADJ
cblr-1739	1119	24	.	.	PUNCT
cblr-1739	1120	1	l.	l.	PROPN
cblr-1739	1120	2	rev	rev	PROPN
cblr-1739	1120	3	.	.	PROPN
cblr-1739	1120	4	1503	1503	NUM
cblr-1739	1120	5	,	,	PUNCT
cblr-1739	1120	6	1518	1518	NUM
cblr-1739	1120	7	(	(	PUNCT
cblr-1739	1120	8	2013	2013	NUM
cblr-1739	1120	9	)	)	PUNCT
cblr-1739	1120	10	(	(	PUNCT
cblr-1739	1120	11	explaining	explain	VERB
cblr-1739	1120	12	that	that	SCONJ
cblr-1739	1120	13	the	the	DET
cblr-1739	1120	14	programmers	programmer	NOUN
cblr-1739	1120	15	create	create	VERB
cblr-1739	1120	16	the	the	DET
cblr-1739	1120	17	datasets	dataset	NOUN
cblr-1739	1120	18	mined	mine	VERB
cblr-1739	1120	19	by	by	ADP
cblr-1739	1120	20	scoring	scoring	NOUN
cblr-1739	1120	21	systems	system	NOUN
cblr-1739	1120	22	,	,	PUNCT
cblr-1739	1120	23	define	define	VERB
cblr-1739	1120	24	the	the	DET
cblr-1739	1120	25	parameters	parameter	NOUN
cblr-1739	1120	26	for	for	ADP
cblr-1739	1120	27	the	the	DET
cblr-1739	1120	28	scoring	scoring	NOUN
cblr-1739	1120	29	analyses	analysis	NOUN
cblr-1739	1120	30	,	,	PUNCT
cblr-1739	1120	31	and	and	CCONJ
cblr-1739	1120	32	create	create	VERB
cblr-1739	1120	33	the	the	DET
cblr-1739	1120	34	clusters	cluster	NOUN
cblr-1739	1120	35	,	,	PUNCT
cblr-1739	1120	36	links	link	NOUN
cblr-1739	1120	37	,	,	PUNCT
cblr-1739	1120	38	and	and	CCONJ
cblr-1739	1120	39	decision	decision	NOUN
cblr-1739	1120	40	trees	tree	NOUN
cblr-1739	1120	41	applied	apply	VERB
cblr-1739	1120	42	)	)	PUNCT
cblr-1739	1120	43	.	.	PUNCT
cblr-1739	1121	1	297	297	NUM
cblr-1739	1121	2	see	see	VERB
cblr-1739	1121	3	reddix	reddix	NOUN
cblr-1739	1121	4	-	-	PUNCT
cblr-1739	1121	5	smalls	smalls	PROPN
cblr-1739	1121	6	,	,	PUNCT
cblr-1739	1121	7	supra	supra	PROPN
cblr-1739	1121	8	note	note	NOUN
cblr-1739	1121	9	234	234	NUM
cblr-1739	1121	10	at	at	ADP
cblr-1739	1121	11	91	91	NUM
cblr-1739	1121	12	(	(	PUNCT
cblr-1739	1121	13	“	"	PUNCT
cblr-1739	1121	14	as	as	ADP
cblr-1739	1121	15	property	property	NOUN
cblr-1739	1121	16	,	,	PUNCT
cblr-1739	1121	17	complex	complex	ADJ
cblr-1739	1121	18	finance	finance	NOUN
cblr-1739	1121	19	risk	risk	NOUN
cblr-1739	1121	20	models	model	NOUN
cblr-1739	1121	21	often	often	ADV
cblr-1739	1121	22	receive	receive	VERB
cblr-1739	1121	23	intellectual	intellectual	ADJ
cblr-1739	1121	24	property	property	NOUN
cblr-1739	1121	25	proprietary	proprietary	ADJ
cblr-1739	1121	26	protection	protection	NOUN
cblr-1739	1121	27	.	.	PUNCT
cblr-1739	1122	1	these	these	DET
cblr-1739	1122	2	proprietary	proprietary	ADJ
cblr-1739	1122	3	protections	protection	NOUN
cblr-1739	1122	4	may	may	AUX
cblr-1739	1122	5	take	take	VERB
cblr-1739	1122	6	the	the	DET
cblr-1739	1122	7	form	form	NOUN
cblr-1739	1122	8	of	of	ADP
cblr-1739	1122	9	patents	patent	NOUN
cblr-1739	1122	10	,	,	PUNCT
cblr-1739	1122	11	copyrights	copyright	NOUN
cblr-1739	1122	12	,	,	PUNCT
cblr-1739	1122	13	trade	trade	NOUN
cblr-1739	1122	14	secrets	secret	NOUN
cblr-1739	1122	15	,	,	PUNCT
cblr-1739	1122	16	and	and	CCONJ
cblr-1739	1122	17	sometimes	sometimes	ADV
cblr-1739	1122	18	trademarks	trademark	NOUN
cblr-1739	1122	19	.	.	PUNCT
cblr-1739	1122	20	”	"	PUNCT
cblr-1739	1122	21	)	)	PUNCT
cblr-1739	1122	22	.	.	PUNCT
cblr-1739	1123	1	298	298	NUM
cblr-1739	1123	2	see	see	VERB
cblr-1739	1123	3	supra	supra	PROPN
cblr-1739	1123	4	text	text	NOUN
cblr-1739	1123	5	accompanying	accompanying	ADJ
cblr-1739	1123	6	notes	note	NOUN
cblr-1739	1123	7	224–59	224–59	NOUN
cblr-1739	1123	8	.	.	PUNCT
cblr-1739	1124	1	299	299	NUM
cblr-1739	1124	2	the	the	DET
cblr-1739	1124	3	right	right	NOUN
cblr-1739	1124	4	to	to	PART
cblr-1739	1124	5	be	be	AUX
cblr-1739	1124	6	unnetworked	unnetworked	ADJ
cblr-1739	1124	7	is	be	AUX
cblr-1739	1124	8	inspired	inspire	VERB
cblr-1739	1124	9	by	by	ADP
cblr-1739	1124	10	the	the	DET
cblr-1739	1124	11	right	right	NOUN
cblr-1739	1124	12	to	to	PART
cblr-1739	1124	13	be	be	AUX
cblr-1739	1124	14	let	let	VERB
cblr-1739	1124	15	alone	alone	ADV
cblr-1739	1124	16	.	.	PUNCT
cblr-1739	1125	1	in	in	ADP
cblr-1739	1125	2	their	their	PRON
cblr-1739	1125	3	harvard	harvard	PROPN
cblr-1739	1125	4	law	law	PROPN
cblr-1739	1125	5	review	review	NOUN
cblr-1739	1125	6	article	article	NOUN
cblr-1739	1125	7	,	,	PUNCT
cblr-1739	1125	8	the	the	DET
cblr-1739	1125	9	right	right	NOUN
cblr-1739	1125	10	to	to	ADP
cblr-1739	1125	11	privacy	privacy	NOUN
cblr-1739	1125	12	,	,	PUNCT
cblr-1739	1125	13	louis	louis	PROPN
cblr-1739	1125	14	brandeis	brandeis	PROPN
cblr-1739	1125	15	and	and	CCONJ
cblr-1739	1125	16	samuel	samuel	PROPN
cblr-1739	1125	17	warren	warren	PROPN
cblr-1739	1125	18	identified	identify	VERB
cblr-1739	1125	19	protection	protection	NOUN
cblr-1739	1125	20	of	of	ADP
cblr-1739	1125	21	the	the	DET
cblr-1739	1125	22	private	private	ADJ
cblr-1739	1125	23	realm	realm	NOUN
cblr-1739	1125	24	as	as	ADP
cblr-1739	1125	25	the	the	DET
cblr-1739	1125	26	foundation	foundation	NOUN
cblr-1739	1125	27	for	for	ADP
cblr-1739	1125	28	individual	individual	ADJ
cblr-1739	1125	29	freedoms	freedom	NOUN
cblr-1739	1125	30	in	in	ADP
cblr-1739	1125	31	the	the	DET
cblr-1739	1125	32	modern	modern	ADJ
cblr-1739	1125	33	age	age	NOUN
cblr-1739	1125	34	and	and	CCONJ
cblr-1739	1125	35	coined	coin	VERB
cblr-1739	1125	36	the	the	DET
cblr-1739	1125	37	phrase	phrase	NOUN
cblr-1739	1125	38	“	"	PUNCT
cblr-1739	1125	39	the	the	DET
cblr-1739	1125	40	right	right	NOUN
cblr-1739	1125	41	to	to	PART
cblr-1739	1125	42	be	be	AUX
cblr-1739	1125	43	left	leave	VERB
cblr-1739	1125	44	alone	alone	ADV
cblr-1739	1125	45	,	,	PUNCT
cblr-1739	1125	46	”	"	PUNCT
cblr-1739	1125	47	which	which	PRON
cblr-1739	1125	48	stems	stem	VERB
cblr-1739	1125	49	from	from	ADP
cblr-1739	1125	50	the	the	DET
cblr-1739	1125	51	right	right	NOUN
cblr-1739	1125	52	to	to	ADP
cblr-1739	1125	53	privacy	privacy	NOUN
cblr-1739	1125	54	.	.	PUNCT
cblr-1739	1126	1	louis	louis	PROPN
cblr-1739	1126	2	brandeis	brandeis	PROPN
cblr-1739	1126	3	&	&	CCONJ
cblr-1739	1126	4	samuel	samuel	PROPN
cblr-1739	1126	5	warren	warren	PROPN
cblr-1739	1126	6	,	,	PUNCT
cblr-1739	1126	7	the	the	DET
cblr-1739	1126	8	right	right	NOUN
cblr-1739	1126	9	to	to	ADP
cblr-1739	1126	10	privacy	privacy	NOUN
cblr-1739	1126	11	,	,	PUNCT
cblr-1739	1126	12	4	4	NUM
cblr-1739	1126	13	harv	harv	NOUN
cblr-1739	1126	14	.	.	PUNCT
cblr-1739	1127	1	l.	l.	PROPN
cblr-1739	1127	2	rev	rev	PROPN
cblr-1739	1127	3	.	.	PROPN
cblr-1739	1127	4	193	193	NUM
cblr-1739	1127	5	(	(	PUNCT
cblr-1739	1127	6	1890	1890	NUM
cblr-1739	1127	7	)	)	PUNCT
cblr-1739	1127	8	.	.	PUNCT
cblr-1739	1128	1	later	later	ADV
cblr-1739	1128	2	,	,	PUNCT
cblr-1739	1128	3	in	in	ADP
cblr-1739	1128	4	his	his	PRON
cblr-1739	1128	5	famous	famous	ADJ
cblr-1739	1128	6	1928	1928	NUM
cblr-1739	1128	7	dissent	dissent	NOUN
cblr-1739	1128	8	in	in	ADP
cblr-1739	1128	9	olmstead	olmstead	PROPN
cblr-1739	1128	10	v.	v.	CCONJ
cblr-1739	1128	11	united	united	PROPN
cblr-1739	1128	12	states	states	PROPN
cblr-1739	1128	13	,	,	PUNCT
cblr-1739	1128	14	brandeis	brandeis	PROPN
cblr-1739	1128	15	identified	identify	VERB
cblr-1739	1128	16	the	the	DET
cblr-1739	1128	17	“	"	PUNCT
cblr-1739	1128	18	right	right	NOUN
cblr-1739	1128	19	to	to	PART
cblr-1739	1128	20	be	be	AUX
cblr-1739	1128	21	let	let	VERB
cblr-1739	1128	22	alone	alone	ADV
cblr-1739	1128	23	”	"	PUNCT
cblr-1739	1128	24	as	as	ADP
cblr-1739	1128	25	“	"	PUNCT
cblr-1739	1128	26	the	the	DET
cblr-1739	1128	27	most	most	ADV
cblr-1739	1128	28	comprehensive	comprehensive	ADJ
cblr-1739	1128	29	of	of	ADP
cblr-1739	1128	30	rights	right	NOUN
cblr-1739	1128	31	,	,	PUNCT
cblr-1739	1128	32	and	and	CCONJ
cblr-1739	1128	33	the	the	DET
cblr-1739	1128	34	right	right	NOUN
cblr-1739	1128	35	most	most	ADV
cblr-1739	1128	36	valued	value	VERB
cblr-1739	1128	37	by	by	ADP
cblr-1739	1128	38	civilized	civilized	ADJ
cblr-1739	1128	39	men	man	NOUN
cblr-1739	1128	40	.	.	PUNCT
cblr-1739	1128	41	”	"	PUNCT
cblr-1739	1129	1	olmstead	olmstead	PROPN
cblr-1739	1129	2	v.	v.	PROPN
cblr-1739	1129	3	united	united	PROPN
cblr-1739	1129	4	states	states	PROPN
cblr-1739	1129	5	,	,	PUNCT
cblr-1739	1129	6	277	277	NUM
cblr-1739	1129	7	u.s	u.s	PROPN
cblr-1739	1129	8	.	.	PROPN
cblr-1739	1129	9	438	438	NUM
cblr-1739	1129	10	,	,	PUNCT
cblr-1739	1129	11	478	478	NUM
cblr-1739	1129	12	(	(	PUNCT
cblr-1739	1129	13	1928	1928	NUM
cblr-1739	1129	14	)	)	PUNCT
cblr-1739	1129	15	(	(	PUNCT
cblr-1739	1129	16	brandeis	brandeis	PROPN
cblr-1739	1129	17	,	,	PUNCT
cblr-1739	1129	18	j.	j.	PROPN
cblr-1739	1129	19	,	,	PUNCT
cblr-1739	1129	20	dissenting	dissent	VERB
cblr-1739	1129	21	)	)	PUNCT
cblr-1739	1129	22	.	.	PUNCT
cblr-1739	1130	1	geslevich	geslevich	PROPN
cblr-1739	1130	2	packin	packin	PROPN
cblr-1739	1130	3	&	&	CCONJ
cblr-1739	1130	4	lev	lev	PROPN
cblr-1739	1130	5	-	-	PUNCT
cblr-1739	1130	6	aretz	aretz	PROPN
cblr-1739	1130	7	–	–	PUNCT
cblr-1739	1130	8	final	final	ADJ
cblr-1739	1130	9	no	no	NOUN
cblr-1739	1130	10	.	.	PUNCT
cblr-1739	1131	1	2:339	2:339	NUM
cblr-1739	1131	2	]	]	X
cblr-1739	1131	3	on	on	ADP
cblr-1739	1131	4	social	social	ADJ
cblr-1739	1131	5	credit	credit	NOUN
cblr-1739	1131	6	417	417	NUM
cblr-1739	1131	7	information	information	NOUN
cblr-1739	1131	8	for	for	ADP
cblr-1739	1131	9	creditworthiness	creditworthiness	NOUN
cblr-1739	1131	10	determinations	determination	NOUN
cblr-1739	1131	11	should	should	AUX
cblr-1739	1131	12	be	be	AUX
cblr-1739	1131	13	more	more	ADV
cblr-1739	1131	14	limited	limited	ADJ
cblr-1739	1131	15	and	and	CCONJ
cblr-1739	1131	16	regulated	regulate	VERB
cblr-1739	1131	17	.	.	PUNCT
cblr-1739	1132	1	inspired	inspire	VERB
cblr-1739	1132	2	by	by	ADP
cblr-1739	1132	3	the	the	DET
cblr-1739	1132	4	ban	ban	NOUN
cblr-1739	1132	5	on	on	ADP
cblr-1739	1132	6	the	the	DET
cblr-1739	1132	7	use	use	NOUN
cblr-1739	1132	8	of	of	ADP
cblr-1739	1132	9	medical	medical	ADJ
cblr-1739	1132	10	information	information	NOUN
cblr-1739	1132	11	for	for	ADP
cblr-1739	1132	12	credit	credit	NOUN
cblr-1739	1132	13	scoring	scoring	NOUN
cblr-1739	1132	14	purposes	purpose	NOUN
cblr-1739	1132	15	,	,	PUNCT
cblr-1739	1132	16	our	our	PRON
cblr-1739	1132	17	proposal	proposal	NOUN
cblr-1739	1132	18	aims	aim	VERB
cblr-1739	1132	19	at	at	ADP
cblr-1739	1132	20	minimizing	minimize	VERB
cblr-1739	1132	21	the	the	DET
cblr-1739	1132	22	use	use	NOUN
cblr-1739	1132	23	of	of	ADP
cblr-1739	1132	24	social	social	ADJ
cblr-1739	1132	25	information	information	NOUN
cblr-1739	1132	26	to	to	PART
cblr-1739	1132	27	uses	use	VERB
cblr-1739	1132	28	that	that	DET
cblr-1739	1132	29	fall	fall	NOUN
cblr-1739	1132	30	into	into	ADP
cblr-1739	1132	31	one	one	NUM
cblr-1739	1132	32	of	of	ADP
cblr-1739	1132	33	the	the	DET
cblr-1739	1132	34	prescribed	prescribe	VERB
cblr-1739	1132	35	exclusions.300	exclusions.300	NOUN
cblr-1739	1132	36	therefore	therefore	ADV
cblr-1739	1132	37	,	,	PUNCT
cblr-1739	1132	38	the	the	DET
cblr-1739	1132	39	proposal	proposal	NOUN
cblr-1739	1132	40	allows	allow	VERB
cblr-1739	1132	41	individuals	individual	NOUN
cblr-1739	1132	42	to	to	PART
cblr-1739	1132	43	benefit	benefit	VERB
cblr-1739	1132	44	from	from	ADP
cblr-1739	1132	45	social	social	ADJ
cblr-1739	1132	46	information	information	NOUN
cblr-1739	1132	47	under	under	ADP
cblr-1739	1132	48	certain	certain	ADJ
cblr-1739	1132	49	conditions	condition	NOUN
cblr-1739	1132	50	,	,	PUNCT
cblr-1739	1132	51	without	without	ADP
cblr-1739	1132	52	being	be	AUX
cblr-1739	1132	53	penalized	penalize	VERB
cblr-1739	1132	54	for	for	ADP
cblr-1739	1132	55	their	their	PRON
cblr-1739	1132	56	social	social	ADJ
cblr-1739	1132	57	choices	choice	NOUN
cblr-1739	1132	58	.	.	PUNCT
cblr-1739	1133	1	the	the	DET
cblr-1739	1133	2	proposal	proposal	NOUN
cblr-1739	1133	3	grants	grant	VERB
cblr-1739	1133	4	individuals	individual	NOUN
cblr-1739	1133	5	a	a	DET
cblr-1739	1133	6	limited	limited	ADJ
cblr-1739	1133	7	right	right	NOUN
cblr-1739	1133	8	to	to	PART
cblr-1739	1133	9	be	be	AUX
cblr-1739	1133	10	unnetworked	unnetworke	VERB
cblr-1739	1133	11	or	or	CCONJ
cblr-1739	1133	12	be	be	AUX
cblr-1739	1133	13	networked	network	VERB
cblr-1739	1133	14	but	but	CCONJ
cblr-1739	1133	15	not	not	PART
cblr-1739	1133	16	socially	socially	ADV
cblr-1739	1133	17	scored	score	VERB
cblr-1739	1133	18	,	,	PUNCT
cblr-1739	1133	19	while	while	SCONJ
cblr-1739	1133	20	redirecting	redirect	VERB
cblr-1739	1133	21	creditors	creditor	NOUN
cblr-1739	1133	22	to	to	ADP
cblr-1739	1133	23	the	the	DET
cblr-1739	1133	24	original	original	ADJ
cblr-1739	1133	25	aim	aim	NOUN
cblr-1739	1133	26	of	of	ADP
cblr-1739	1133	27	microfinance	microfinance	NOUN
cblr-1739	1133	28	—	—	PUNCT
cblr-1739	1133	29	broadening	broaden	VERB
cblr-1739	1133	30	financial	financial	ADJ
cblr-1739	1133	31	inclusion	inclusion	NOUN
cblr-1739	1133	32	.	.	PUNCT
cblr-1739	1134	1	the	the	DET
cblr-1739	1134	2	right	right	NOUN
cblr-1739	1134	3	to	to	PART
cblr-1739	1134	4	be	be	AUX
cblr-1739	1134	5	unnetworked	unnetworked	ADJ
cblr-1739	1134	6	marks	mark	NOUN
cblr-1739	1134	7	the	the	DET
cblr-1739	1134	8	first	first	ADJ
cblr-1739	1134	9	attempt	attempt	NOUN
cblr-1739	1134	10	to	to	PART
cblr-1739	1134	11	respond	respond	VERB
cblr-1739	1134	12	to	to	ADP
cblr-1739	1134	13	the	the	DET
cblr-1739	1134	14	rise	rise	NOUN
cblr-1739	1134	15	of	of	ADP
cblr-1739	1134	16	social	social	ADJ
cblr-1739	1134	17	credit	credit	NOUN
cblr-1739	1134	18	.	.	PUNCT
cblr-1739	1135	1	as	as	ADP
cblr-1739	1135	2	such	such	ADJ
cblr-1739	1135	3	,	,	PUNCT
cblr-1739	1135	4	the	the	DET
cblr-1739	1135	5	proposal	proposal	NOUN
cblr-1739	1135	6	does	do	AUX
cblr-1739	1135	7	not	not	PART
cblr-1739	1135	8	intend	intend	VERB
cblr-1739	1135	9	to	to	PART
cblr-1739	1135	10	provide	provide	VERB
cblr-1739	1135	11	a	a	DET
cblr-1739	1135	12	comprehensive	comprehensive	ADJ
cblr-1739	1135	13	answer	answer	NOUN
cblr-1739	1135	14	but	but	CCONJ
cblr-1739	1135	15	to	to	PART
cblr-1739	1135	16	present	present	VERB
cblr-1739	1135	17	initial	initial	ADJ
cblr-1739	1135	18	views	view	NOUN
cblr-1739	1135	19	and	and	CCONJ
cblr-1739	1135	20	provoke	provoke	VERB
cblr-1739	1135	21	further	further	ADJ
cblr-1739	1135	22	discussions	discussion	NOUN
cblr-1739	1135	23	as	as	ADP
cblr-1739	1135	24	to	to	ADP
cblr-1739	1135	25	how	how	SCONJ
cblr-1739	1135	26	social	social	ADJ
cblr-1739	1135	27	credit	credit	NOUN
cblr-1739	1135	28	systems	system	NOUN
cblr-1739	1135	29	should	should	AUX
cblr-1739	1135	30	be	be	AUX
cblr-1739	1135	31	addressed	address	VERB
cblr-1739	1135	32	conceptually	conceptually	ADV
cblr-1739	1135	33	and	and	CCONJ
cblr-1739	1135	34	regulated	regulate	VERB
cblr-1739	1135	35	in	in	ADP
cblr-1739	1135	36	practice	practice	NOUN
cblr-1739	1135	37	.	.	PUNCT
cblr-1739	1136	1	we	we	PRON
cblr-1739	1136	2	hope	hope	VERB
cblr-1739	1136	3	that	that	SCONJ
cblr-1739	1136	4	the	the	DET
cblr-1739	1136	5	right	right	NOUN
cblr-1739	1136	6	to	to	PART
cblr-1739	1136	7	be	be	AUX
cblr-1739	1136	8	unnetworked	unnetworked	ADJ
cblr-1739	1136	9	will	will	AUX
cblr-1739	1136	10	be	be	AUX
cblr-1739	1136	11	further	far	ADV
cblr-1739	1136	12	developed	develop	VERB
cblr-1739	1136	13	and	and	CCONJ
cblr-1739	1136	14	that	that	SCONJ
cblr-1739	1136	15	its	its	PRON
cblr-1739	1136	16	list	list	NOUN
cblr-1739	1136	17	of	of	ADP
cblr-1739	1136	18	exceptions	exception	NOUN
cblr-1739	1136	19	will	will	AUX
cblr-1739	1136	20	be	be	AUX
cblr-1739	1136	21	refined	refine	VERB
cblr-1739	1136	22	and	and	CCONJ
cblr-1739	1136	23	extended	extend	VERB
cblr-1739	1136	24	in	in	ADP
cblr-1739	1136	25	light	light	NOUN
cblr-1739	1136	26	of	of	ADP
cblr-1739	1136	27	the	the	DET
cblr-1739	1136	28	goal	goal	NOUN
cblr-1739	1136	29	we	we	PRON
cblr-1739	1136	30	advocate	advocate	VERB
cblr-1739	1136	31	for	for	ADP
cblr-1739	1136	32	:	:	PUNCT
cblr-1739	1136	33	retaining	retain	VERB
cblr-1739	1136	34	the	the	DET
cblr-1739	1136	35	benefits	benefit	NOUN
cblr-1739	1136	36	that	that	PRON
cblr-1739	1136	37	social	social	ADJ
cblr-1739	1136	38	credit	credit	NOUN
cblr-1739	1136	39	systems	system	NOUN
cblr-1739	1136	40	embody	embody	VERB
cblr-1739	1136	41	while	while	SCONJ
cblr-1739	1136	42	mitigating	mitigate	VERB
cblr-1739	1136	43	some	some	PRON
cblr-1739	1136	44	of	of	ADP
cblr-1739	1136	45	the	the	DET
cblr-1739	1136	46	challenges	challenge	NOUN
cblr-1739	1136	47	those	those	DET
cblr-1739	1136	48	systems	system	NOUN
cblr-1739	1136	49	generate	generate	VERB
cblr-1739	1136	50	.	.	PUNCT
cblr-1739	1137	1	“	"	PUNCT
cblr-1739	1137	2	social	social	ADJ
cblr-1739	1137	3	information	information	NOUN
cblr-1739	1137	4	,	,	PUNCT
cblr-1739	1137	5	”	"	PUNCT
cblr-1739	1137	6	for	for	ADP
cblr-1739	1137	7	this	this	DET
cblr-1739	1137	8	part	part	NOUN
cblr-1739	1137	9	,	,	PUNCT
cblr-1739	1137	10	is	be	AUX
cblr-1739	1137	11	broadly	broadly	ADV
cblr-1739	1137	12	defined	define	VERB
cblr-1739	1137	13	as	as	ADP
cblr-1739	1137	14	information	information	NOUN
cblr-1739	1137	15	or	or	CCONJ
cblr-1739	1137	16	data	datum	NOUN
cblr-1739	1137	17	,	,	PUNCT
cblr-1739	1137	18	in	in	ADP
cblr-1739	1137	19	any	any	DET
cblr-1739	1137	20	form	form	NOUN
cblr-1739	1137	21	or	or	CCONJ
cblr-1739	1137	22	medium	medium	NOUN
cblr-1739	1137	23	,	,	PUNCT
cblr-1739	1137	24	created	create	VERB
cblr-1739	1137	25	by	by	ADP
cblr-1739	1137	26	or	or	CCONJ
cblr-1739	1137	27	derived	derive	VERB
cblr-1739	1137	28	from	from	ADP
cblr-1739	1137	29	a	a	DET
cblr-1739	1137	30	social	social	ADJ
cblr-1739	1137	31	network	network	NOUN
cblr-1739	1137	32	or	or	CCONJ
cblr-1739	1137	33	the	the	DET
cblr-1739	1137	34	consumer	consumer	NOUN
cblr-1739	1137	35	that	that	PRON
cblr-1739	1137	36	relates	relate	VERB
cblr-1739	1137	37	to	to	ADP
cblr-1739	1137	38	the	the	DET
cblr-1739	1137	39	past	past	NOUN
cblr-1739	1137	40	,	,	PUNCT
cblr-1739	1137	41	present	present	ADJ
cblr-1739	1137	42	,	,	PUNCT
cblr-1739	1137	43	or	or	CCONJ
cblr-1739	1137	44	future	future	ADJ
cblr-1739	1137	45	physical	physical	ADJ
cblr-1739	1137	46	,	,	PUNCT
cblr-1739	1137	47	virtual	virtual	ADJ
cblr-1739	1137	48	,	,	PUNCT
cblr-1739	1137	49	and	and	CCONJ
cblr-1739	1137	50	interactive	interactive	ADJ
cblr-1739	1137	51	social	social	ADJ
cblr-1739	1137	52	ties	tie	NOUN
cblr-1739	1137	53	of	of	ADP
cblr-1739	1137	54	an	an	DET
cblr-1739	1137	55	individual;301	individual;301	PROPN
cblr-1739	1137	56	the	the	DET
cblr-1739	1137	57	providing	providing	NOUN
cblr-1739	1137	58	of	of	ADP
cblr-1739	1137	59	social	social	ADJ
cblr-1739	1137	60	activities	activity	NOUN
cblr-1739	1137	61	to	to	ADP
cblr-1739	1137	62	individual	individual	NOUN
cblr-1739	1137	63	by	by	ADP
cblr-1739	1137	64	digital	digital	ADJ
cblr-1739	1137	65	platforms	platform	NOUN
cblr-1739	1137	66	;	;	PUNCT
cblr-1739	1137	67	or	or	CCONJ
cblr-1739	1137	68	the	the	DET
cblr-1739	1137	69	payment	payment	NOUN
cblr-1739	1137	70	300	300	NUM
cblr-1739	1137	71	see	see	VERB
cblr-1739	1137	72	generally	generally	ADV
cblr-1739	1137	73	laura	laura	PROPN
cblr-1739	1137	74	hobson	hobson	PROPN
cblr-1739	1137	75	brown	brown	PROPN
cblr-1739	1137	76	,	,	PUNCT
cblr-1739	1137	77	final	final	ADJ
cblr-1739	1137	78	rule	rule	NOUN
cblr-1739	1137	79	:	:	PUNCT
cblr-1739	1137	80	using	use	VERB
cblr-1739	1137	81	medical	medical	ADJ
cblr-1739	1137	82	information	information	NOUN
cblr-1739	1137	83	in	in	ADP
cblr-1739	1137	84	determining	determine	VERB
cblr-1739	1137	85	creditworthiness	creditworthiness	NOUN
cblr-1739	1137	86	,	,	PUNCT
cblr-1739	1137	87	60	60	NUM
cblr-1739	1137	88	consumer	consumer	NOUN
cblr-1739	1137	89	fin	fin	NOUN
cblr-1739	1137	90	.	.	PUNCT
cblr-1739	1138	1	l.q	l.q	PROPN
cblr-1739	1138	2	.	.	PROPN
cblr-1739	1138	3	rep	rep	PROPN
cblr-1739	1138	4	.	.	PROPN
cblr-1739	1138	5	664	664	NUM
cblr-1739	1138	6	(	(	PUNCT
cblr-1739	1138	7	2006	2006	NUM
cblr-1739	1138	8	)	)	PUNCT
cblr-1739	1138	9	.	.	PUNCT
cblr-1739	1139	1	301	301	NUM
cblr-1739	1139	2	while	while	SCONJ
cblr-1739	1139	3	social	social	ADJ
cblr-1739	1139	4	ties	tie	NOUN
cblr-1739	1139	5	could	could	AUX
cblr-1739	1139	6	be	be	AUX
cblr-1739	1139	7	interactive	interactive	ADJ
cblr-1739	1139	8	,	,	PUNCT
cblr-1739	1139	9	they	they	PRON
cblr-1739	1139	10	could	could	AUX
cblr-1739	1139	11	also	also	ADV
cblr-1739	1139	12	be	be	AUX
cblr-1739	1139	13	one	one	NUM
cblr-1739	1139	14	-	-	PUNCT
cblr-1739	1139	15	sided	sided	ADJ
cblr-1739	1139	16	following	follow	VERB
cblr-1739	1139	17	or	or	CCONJ
cblr-1739	1139	18	monitoring	monitoring	NOUN
cblr-1739	1139	19	of	of	ADP
cblr-1739	1139	20	a	a	DET
cblr-1739	1139	21	different	different	ADJ
cblr-1739	1139	22	person	person	NOUN
cblr-1739	1139	23	’s	’s	PART
cblr-1739	1139	24	activities	activity	NOUN
cblr-1739	1139	25	and	and	CCONJ
cblr-1739	1139	26	online	online	ADJ
cblr-1739	1139	27	footprints	footprint	NOUN
cblr-1739	1139	28	.	.	PUNCT
cblr-1739	1140	1	a	a	DET
cblr-1739	1140	2	person	person	NOUN
cblr-1739	1140	3	,	,	PUNCT
cblr-1739	1140	4	for	for	ADP
cblr-1739	1140	5	this	this	DET
cblr-1739	1140	6	definition	definition	NOUN
cblr-1739	1140	7	,	,	PUNCT
cblr-1739	1140	8	includes	include	VERB
cblr-1739	1140	9	individuals	individual	NOUN
cblr-1739	1140	10	as	as	ADV
cblr-1739	1140	11	well	well	ADV
cblr-1739	1140	12	as	as	ADP
cblr-1739	1140	13	entities	entity	NOUN
cblr-1739	1140	14	.	.	PUNCT
cblr-1739	1141	1	geslevich	geslevich	PROPN
cblr-1739	1141	2	packin	packin	PROPN
cblr-1739	1141	3	&	&	CCONJ
cblr-1739	1141	4	lev	lev	PROPN
cblr-1739	1141	5	-	-	PUNCT
cblr-1739	1141	6	aretz	aretz	PROPN
cblr-1739	1141	7	–	–	PUNCT
cblr-1739	1141	8	final	final	ADJ
cblr-1739	1141	9	418	418	NUM
cblr-1739	1141	10	columbia	columbia	PROPN
cblr-1739	1141	11	business	business	NOUN
cblr-1739	1141	12	law	law	PROPN
cblr-1739	1141	13	review	review	NOUN
cblr-1739	1142	1	[	[	X
cblr-1739	1142	2	vol	vol	NOUN
cblr-1739	1142	3	.	.	NOUN
cblr-1739	1142	4	2016	2016	NUM
cblr-1739	1142	5	for	for	ADP
cblr-1739	1142	6	enhanced	enhanced	ADJ
cblr-1739	1142	7	or	or	CCONJ
cblr-1739	1142	8	non	non	ADJ
cblr-1739	1142	9	-	-	ADJ
cblr-1739	1142	10	free	free	ADJ
cblr-1739	1142	11	services	service	NOUN
cblr-1739	1142	12	offered	offer	VERB
cblr-1739	1142	13	by	by	ADP
cblr-1739	1142	14	digital	digital	ADJ
cblr-1739	1142	15	platforms	platform	NOUN
cblr-1739	1142	16	to	to	ADP
cblr-1739	1142	17	an	an	DET
cblr-1739	1142	18	individual.302	individual.302	ADJ
cblr-1739	1142	19	“	"	PUNCT
cblr-1739	1142	20	derivative	derivative	ADJ
cblr-1739	1142	21	social	social	ADJ
cblr-1739	1142	22	information	information	NOUN
cblr-1739	1142	23	,	,	PUNCT
cblr-1739	1142	24	”	"	PUNCT
cblr-1739	1142	25	for	for	ADP
cblr-1739	1142	26	the	the	DET
cblr-1739	1142	27	purpose	purpose	NOUN
cblr-1739	1142	28	of	of	ADP
cblr-1739	1142	29	this	this	DET
cblr-1739	1142	30	part	part	NOUN
cblr-1739	1142	31	,	,	PUNCT
cblr-1739	1142	32	is	be	AUX
cblr-1739	1142	33	broadly	broadly	ADV
cblr-1739	1142	34	defined	define	VERB
cblr-1739	1142	35	as	as	ADP
cblr-1739	1142	36	information	information	NOUN
cblr-1739	1142	37	or	or	CCONJ
cblr-1739	1142	38	data	datum	NOUN
cblr-1739	1142	39	,	,	PUNCT
cblr-1739	1142	40	in	in	ADP
cblr-1739	1142	41	any	any	DET
cblr-1739	1142	42	form	form	NOUN
cblr-1739	1142	43	or	or	CCONJ
cblr-1739	1142	44	medium	medium	NOUN
cblr-1739	1142	45	,	,	PUNCT
cblr-1739	1142	46	created	create	VERB
cblr-1739	1142	47	by	by	ADP
cblr-1739	1142	48	or	or	CCONJ
cblr-1739	1142	49	derived	derive	VERB
cblr-1739	1142	50	from	from	ADP
cblr-1739	1142	51	a	a	DET
cblr-1739	1142	52	social	social	ADJ
cblr-1739	1142	53	network	network	NOUN
cblr-1739	1142	54	or	or	CCONJ
cblr-1739	1142	55	the	the	DET
cblr-1739	1142	56	contacts	contact	NOUN
cblr-1739	1142	57	of	of	ADP
cblr-1739	1142	58	the	the	DET
cblr-1739	1142	59	consumer	consumer	NOUN
cblr-1739	1142	60	that	that	PRON
cblr-1739	1142	61	relates	relate	VERB
cblr-1739	1142	62	to	to	ADP
cblr-1739	1142	63	the	the	DET
cblr-1739	1142	64	past	past	NOUN
cblr-1739	1142	65	,	,	PUNCT
cblr-1739	1142	66	present	present	ADJ
cblr-1739	1142	67	,	,	PUNCT
cblr-1739	1142	68	or	or	CCONJ
cblr-1739	1142	69	future	future	ADJ
cblr-1739	1142	70	physical	physical	ADJ
cblr-1739	1142	71	,	,	PUNCT
cblr-1739	1142	72	virtual	virtual	ADJ
cblr-1739	1142	73	,	,	PUNCT
cblr-1739	1142	74	and	and	CCONJ
cblr-1739	1142	75	interactive	interactive	ADJ
cblr-1739	1142	76	social	social	ADJ
cblr-1739	1142	77	ties	tie	NOUN
cblr-1739	1142	78	of	of	ADP
cblr-1739	1142	79	an	an	DET
cblr-1739	1142	80	individual	individual	NOUN
cblr-1739	1142	81	’s	’s	PART
cblr-1739	1142	82	contacts	contact	NOUN
cblr-1739	1142	83	;	;	PUNCT
cblr-1739	1142	84	the	the	DET
cblr-1739	1142	85	providing	providing	NOUN
cblr-1739	1142	86	of	of	ADP
cblr-1739	1142	87	social	social	ADJ
cblr-1739	1142	88	activities	activity	NOUN
cblr-1739	1142	89	to	to	ADP
cblr-1739	1142	90	an	an	DET
cblr-1739	1142	91	individual	individual	NOUN
cblr-1739	1142	92	’s	’s	PART
cblr-1739	1142	93	contacts	contact	NOUN
cblr-1739	1142	94	by	by	ADP
cblr-1739	1142	95	digital	digital	ADJ
cblr-1739	1142	96	platforms	platform	NOUN
cblr-1739	1142	97	;	;	PUNCT
cblr-1739	1142	98	or	or	CCONJ
cblr-1739	1142	99	the	the	DET
cblr-1739	1142	100	payment	payment	NOUN
cblr-1739	1142	101	for	for	ADP
cblr-1739	1142	102	enhanced	enhanced	ADJ
cblr-1739	1142	103	or	or	CCONJ
cblr-1739	1142	104	non	non	ADJ
cblr-1739	1142	105	-	-	ADJ
cblr-1739	1142	106	free	free	ADJ
cblr-1739	1142	107	services	service	NOUN
cblr-1739	1142	108	offered	offer	VERB
cblr-1739	1142	109	by	by	ADP
cblr-1739	1142	110	digital	digital	ADJ
cblr-1739	1142	111	platforms	platform	NOUN
cblr-1739	1142	112	to	to	ADP
cblr-1739	1142	113	an	an	DET
cblr-1739	1142	114	individual	individual	NOUN
cblr-1739	1142	115	’s	’s	PART
cblr-1739	1142	116	contacts	contact	NOUN
cblr-1739	1142	117	.	.	PUNCT
cblr-1739	1143	1	information	information	NOUN
cblr-1739	1143	2	extracted	extract	VERB
cblr-1739	1143	3	from	from	ADP
cblr-1739	1143	4	any	any	DET
cblr-1739	1143	5	transactions	transaction	NOUN
cblr-1739	1143	6	with	with	ADP
cblr-1739	1143	7	social	social	ADJ
cblr-1739	1143	8	networks	network	NOUN
cblr-1739	1143	9	acting	act	VERB
cblr-1739	1143	10	as	as	ADP
cblr-1739	1143	11	service	service	NOUN
cblr-1739	1143	12	providers	provider	NOUN
cblr-1739	1143	13	or	or	CCONJ
cblr-1739	1143	14	intermediaries	intermediary	NOUN
cblr-1739	1143	15	in	in	ADP
cblr-1739	1143	16	sales	sale	NOUN
cblr-1739	1143	17	and	and	CCONJ
cblr-1739	1143	18	financial	financial	ADJ
cblr-1739	1143	19	transactions	transaction	NOUN
cblr-1739	1143	20	is	be	AUX
cblr-1739	1143	21	not	not	PART
cblr-1739	1143	22	defined	define	VERB
cblr-1739	1143	23	as	as	ADP
cblr-1739	1143	24	social	social	ADJ
cblr-1739	1143	25	information	information	NOUN
cblr-1739	1143	26	per	per	ADP
cblr-1739	1143	27	se	se	X
cblr-1739	1143	28	.	.	PUNCT
cblr-1739	1144	1	the	the	DET
cblr-1739	1144	2	use	use	NOUN
cblr-1739	1144	3	of	of	ADP
cblr-1739	1144	4	such	such	ADJ
cblr-1739	1144	5	information	information	NOUN
cblr-1739	1144	6	for	for	ADP
cblr-1739	1144	7	the	the	DET
cblr-1739	1144	8	purpose	purpose	NOUN
cblr-1739	1144	9	of	of	ADP
cblr-1739	1144	10	assessing	assess	VERB
cblr-1739	1144	11	creditworthiness	creditworthiness	NOUN
cblr-1739	1144	12	and	and	CCONJ
cblr-1739	1144	13	the	the	DET
cblr-1739	1144	14	value	value	NOUN
cblr-1739	1144	15	of	of	ADP
cblr-1739	1144	16	such	such	ADJ
cblr-1739	1144	17	transactions	transaction	NOUN
cblr-1739	1144	18	is	be	AUX
cblr-1739	1144	19	therefore	therefore	ADV
cblr-1739	1144	20	not	not	PART
cblr-1739	1144	21	in	in	ADP
cblr-1739	1144	22	violation	violation	NOUN
cblr-1739	1144	23	of	of	ADP
cblr-1739	1144	24	the	the	DET
cblr-1739	1144	25	broad	broad	ADJ
cblr-1739	1144	26	exclusionary	exclusionary	ADJ
cblr-1739	1144	27	rule	rule	NOUN
cblr-1739	1144	28	against	against	ADP
cblr-1739	1144	29	obtaining	obtain	VERB
cblr-1739	1144	30	or	or	CCONJ
cblr-1739	1144	31	using	use	VERB
cblr-1739	1144	32	social	social	ADJ
cblr-1739	1144	33	information	information	NOUN
cblr-1739	1144	34	in	in	ADP
cblr-1739	1144	35	assessing	assess	VERB
cblr-1739	1144	36	and	and	CCONJ
cblr-1739	1144	37	calculating	calculate	VERB
cblr-1739	1144	38	an	an	DET
cblr-1739	1144	39	individual	individual	NOUN
cblr-1739	1144	40	’s	’s	PART
cblr-1739	1144	41	credit	credit	NOUN
cblr-1739	1144	42	-	-	PUNCT
cblr-1739	1144	43	worthiness	worthiness	NOUN
cblr-1739	1144	44	.	.	PUNCT
cblr-1739	1145	1	possessing	possess	VERB
cblr-1739	1145	2	social	social	ADJ
cblr-1739	1145	3	information	information	NOUN
cblr-1739	1145	4	and	and	CCONJ
cblr-1739	1145	5	derivative	derivative	ADJ
cblr-1739	1145	6	social	social	ADJ
cblr-1739	1145	7	information	information	NOUN
cblr-1739	1145	8	might	might	AUX
cblr-1739	1145	9	not	not	PART
cblr-1739	1145	10	necessarily	necessarily	ADV
cblr-1739	1145	11	be	be	AUX
cblr-1739	1145	12	the	the	DET
cblr-1739	1145	13	result	result	NOUN
cblr-1739	1145	14	of	of	ADP
cblr-1739	1145	15	a	a	DET
cblr-1739	1145	16	creditor	creditor	NOUN
cblr-1739	1145	17	’s	’s	PART
cblr-1739	1145	18	deliberate	deliberate	ADJ
cblr-1739	1145	19	planning	planning	NOUN
cblr-1739	1145	20	or	or	CCONJ
cblr-1739	1145	21	specific	specific	ADJ
cblr-1739	1145	22	request	request	NOUN
cblr-1739	1145	23	.	.	PUNCT
cblr-1739	1146	1	hence	hence	ADV
cblr-1739	1146	2	,	,	PUNCT
cblr-1739	1146	3	a	a	DET
cblr-1739	1146	4	creditor	creditor	NOUN
cblr-1739	1146	5	that	that	PRON
cblr-1739	1146	6	merely	merely	ADV
cblr-1739	1146	7	obtains	obtain	VERB
cblr-1739	1146	8	unsolicited	unsolicited	ADJ
cblr-1739	1146	9	social	social	ADJ
cblr-1739	1146	10	information	information	NOUN
cblr-1739	1146	11	about	about	ADP
cblr-1739	1146	12	individuals	individual	NOUN
cblr-1739	1146	13	from	from	ADP
cblr-1739	1146	14	themselves	themselves	PRON
cblr-1739	1146	15	,	,	PUNCT
cblr-1739	1146	16	a	a	DET
cblr-1739	1146	17	consumer	consumer	NOUN
cblr-1739	1146	18	reporting	reporting	NOUN
cblr-1739	1146	19	agency	agency	NOUN
cblr-1739	1146	20	,	,	PUNCT
cblr-1739	1146	21	or	or	CCONJ
cblr-1739	1146	22	any	any	DET
cblr-1739	1146	23	other	other	ADJ
cblr-1739	1146	24	person	person	NOUN
cblr-1739	1146	25	,	,	PUNCT
cblr-1739	1146	26	will	will	AUX
cblr-1739	1146	27	not	not	PART
cblr-1739	1146	28	be	be	AUX
cblr-1739	1146	29	considered	consider	VERB
cblr-1739	1146	30	to	to	PART
cblr-1739	1146	31	be	be	AUX
cblr-1739	1146	32	in	in	ADP
cblr-1739	1146	33	violation	violation	NOUN
cblr-1739	1146	34	of	of	ADP
cblr-1739	1146	35	the	the	DET
cblr-1739	1146	36	broad	broad	ADJ
cblr-1739	1146	37	exclusionary	exclusionary	ADJ
cblr-1739	1146	38	rule	rule	NOUN
cblr-1739	1146	39	against	against	ADP
cblr-1739	1146	40	obtaining	obtain	VERB
cblr-1739	1146	41	or	or	CCONJ
cblr-1739	1146	42	using	use	VERB
cblr-1739	1146	43	social	social	ADJ
cblr-1739	1146	44	information	information	NOUN
cblr-1739	1146	45	in	in	ADP
cblr-1739	1146	46	assessing	assess	VERB
cblr-1739	1146	47	and	and	CCONJ
cblr-1739	1146	48	calculating	calculate	VERB
cblr-1739	1146	49	an	an	DET
cblr-1739	1146	50	individual	individual	NOUN
cblr-1739	1146	51	’s	’s	PART
cblr-1739	1146	52	credit	credit	NOUN
cblr-1739	1146	53	-	-	PUNCT
cblr-1739	1146	54	worthiness	worthiness	NOUN
cblr-1739	1146	55	.	.	PUNCT
cblr-1739	1147	1	the	the	DET
cblr-1739	1147	2	creditor	creditor	NOUN
cblr-1739	1147	3	,	,	PUNCT
cblr-1739	1147	4	however	however	ADV
cblr-1739	1147	5	,	,	PUNCT
cblr-1739	1147	6	may	may	AUX
cblr-1739	1147	7	only	only	ADV
cblr-1739	1147	8	use	use	VERB
cblr-1739	1147	9	unsolicited	unsolicited	ADJ
cblr-1739	1147	10	social	social	ADJ
cblr-1739	1147	11	information	information	NOUN
cblr-1739	1147	12	in	in	ADP
cblr-1739	1147	13	connection	connection	NOUN
cblr-1739	1147	14	with	with	ADP
cblr-1739	1147	15	determining	determine	VERB
cblr-1739	1147	16	an	an	DET
cblr-1739	1147	17	individual	individual	NOUN
cblr-1739	1147	18	’s	’s	PART
cblr-1739	1147	19	creditworthiness	creditworthiness	NOUN
cblr-1739	1147	20	,	,	PUNCT
cblr-1739	1147	21	if	if	SCONJ
cblr-1739	1147	22	doing	do	VERB
cblr-1739	1147	23	so	so	ADV
cblr-1739	1147	24	is	be	AUX
cblr-1739	1147	25	based	base	VERB
cblr-1739	1147	26	on	on	ADP
cblr-1739	1147	27	one	one	NUM
cblr-1739	1147	28	of	of	ADP
cblr-1739	1147	29	the	the	DET
cblr-1739	1147	30	limited	limited	ADJ
cblr-1739	1147	31	exceptions	exception	NOUN
cblr-1739	1147	32	to	to	ADP
cblr-1739	1147	33	the	the	DET
cblr-1739	1147	34	broad	broad	ADJ
cblr-1739	1147	35	exclusionary	exclusionary	ADJ
cblr-1739	1147	36	rule	rule	NOUN
cblr-1739	1147	37	.	.	PUNCT
cblr-1739	1148	1	under	under	ADP
cblr-1739	1148	2	no	no	DET
cblr-1739	1148	3	circumstances	circumstance	NOUN
cblr-1739	1148	4	may	may	AUX
cblr-1739	1148	5	a	a	DET
cblr-1739	1148	6	creditor	creditor	NOUN
cblr-1739	1148	7	use	use	VERB
cblr-1739	1148	8	unsolicited	unsolicite	VERB
cblr-1739	1148	9	derivative	derivative	ADJ
cblr-1739	1148	10	social	social	ADJ
cblr-1739	1148	11	information	information	NOUN
cblr-1739	1148	12	independently	independently	ADV
cblr-1739	1148	13	of	of	ADP
cblr-1739	1148	14	social	social	ADJ
cblr-1739	1148	15	information	information	NOUN
cblr-1739	1148	16	.	.	PUNCT
cblr-1739	1149	1	302	302	NUM
cblr-1739	1149	2	a	a	DET
cblr-1739	1149	3	classic	classic	ADJ
cblr-1739	1149	4	example	example	NOUN
cblr-1739	1149	5	would	would	AUX
cblr-1739	1149	6	be	be	AUX
cblr-1739	1149	7	a	a	DET
cblr-1739	1149	8	linkedin	linkedin	NOUN
cblr-1739	1149	9	premium	premium	NOUN
cblr-1739	1149	10	account	account	NOUN
cblr-1739	1149	11	for	for	ADP
cblr-1739	1149	12	which	which	PRON
cblr-1739	1149	13	members	member	NOUN
cblr-1739	1149	14	would	would	AUX
cblr-1739	1149	15	typically	typically	ADV
cblr-1739	1149	16	pay	pay	VERB
cblr-1739	1149	17	and	and	CCONJ
cblr-1739	1149	18	register	register	VERB
cblr-1739	1149	19	when	when	SCONJ
cblr-1739	1149	20	looking	look	VERB
cblr-1739	1149	21	for	for	ADP
cblr-1739	1149	22	a	a	DET
cblr-1739	1149	23	job	job	NOUN
cblr-1739	1149	24	or	or	CCONJ
cblr-1739	1149	25	expanded	expand	VERB
cblr-1739	1149	26	networking	networking	NOUN
cblr-1739	1149	27	opportunities	opportunity	NOUN
cblr-1739	1149	28	.	.	PUNCT
cblr-1739	1150	1	geslevich	geslevich	PROPN
cblr-1739	1150	2	packin	packin	PROPN
cblr-1739	1150	3	&	&	CCONJ
cblr-1739	1150	4	lev	lev	PROPN
cblr-1739	1150	5	-	-	PUNCT
cblr-1739	1150	6	aretz	aretz	PROPN
cblr-1739	1150	7	–	–	PUNCT
cblr-1739	1150	8	final	final	ADJ
cblr-1739	1150	9	no	no	NOUN
cblr-1739	1150	10	.	.	PUNCT
cblr-1739	1151	1	2:339	2:339	NUM
cblr-1739	1151	2	]	]	X
cblr-1739	1151	3	on	on	ADP
cblr-1739	1151	4	social	social	ADJ
cblr-1739	1151	5	credit	credit	NOUN
cblr-1739	1151	6	419	419	NUM
cblr-1739	1151	7	the	the	DET
cblr-1739	1151	8	exclusionary	exclusionary	ADJ
cblr-1739	1151	9	rule	rule	NOUN
cblr-1739	1151	10	against	against	ADP
cblr-1739	1151	11	obtaining	obtain	VERB
cblr-1739	1151	12	or	or	CCONJ
cblr-1739	1151	13	using	use	VERB
cblr-1739	1151	14	social	social	ADJ
cblr-1739	1151	15	information	information	NOUN
cblr-1739	1151	16	in	in	ADP
cblr-1739	1151	17	assessing	assess	VERB
cblr-1739	1151	18	and	and	CCONJ
cblr-1739	1151	19	calculating	calculate	VERB
cblr-1739	1151	20	an	an	DET
cblr-1739	1151	21	individual	individual	NOUN
cblr-1739	1151	22	’s	’s	PART
cblr-1739	1151	23	credit	credit	NOUN
cblr-1739	1151	24	-	-	PUNCT
cblr-1739	1151	25	worthiness	worthiness	NOUN
cblr-1739	1151	26	is	be	AUX
cblr-1739	1151	27	not	not	PART
cblr-1739	1151	28	all	all	PRON
cblr-1739	1151	29	-	-	PUNCT
cblr-1739	1151	30	inclusive	inclusive	NOUN
cblr-1739	1151	31	and	and	CCONJ
cblr-1739	1151	32	is	be	AUX
cblr-1739	1151	33	subject	subject	ADJ
cblr-1739	1151	34	to	to	ADP
cblr-1739	1151	35	the	the	DET
cblr-1739	1151	36	following	following	ADJ
cblr-1739	1151	37	exceptions	exception	NOUN
cblr-1739	1151	38	.	.	PUNCT
cblr-1739	1152	1	first	first	ADV
cblr-1739	1152	2	,	,	PUNCT
cblr-1739	1152	3	a	a	DET
cblr-1739	1152	4	creditor	creditor	NOUN
cblr-1739	1152	5	can	can	AUX
cblr-1739	1152	6	factor	factor	VERB
cblr-1739	1152	7	into	into	ADP
cblr-1739	1152	8	credit	credit	NOUN
cblr-1739	1152	9	assessment	assessment	NOUN
cblr-1739	1152	10	social	social	ADJ
cblr-1739	1152	11	information	information	NOUN
cblr-1739	1152	12	on	on	ADP
cblr-1739	1152	13	financial	financial	ADJ
cblr-1739	1152	14	guaranties	guaranty	NOUN
cblr-1739	1152	15	,	,	PUNCT
cblr-1739	1152	16	which	which	PRON
cblr-1739	1152	17	are	be	AUX
cblr-1739	1152	18	based	base	VERB
cblr-1739	1152	19	on	on	ADP
cblr-1739	1152	20	personal	personal	ADJ
cblr-1739	1152	21	social	social	ADJ
cblr-1739	1152	22	ties	tie	NOUN
cblr-1739	1152	23	that	that	PRON
cblr-1739	1152	24	make	make	VERB
cblr-1739	1152	25	individuals	individual	NOUN
cblr-1739	1152	26	agree	agree	VERB
cblr-1739	1152	27	or	or	CCONJ
cblr-1739	1152	28	even	even	ADV
cblr-1739	1152	29	want	want	VERB
cblr-1739	1152	30	to	to	PART
cblr-1739	1152	31	become	become	VERB
cblr-1739	1152	32	other	other	ADJ
cblr-1739	1152	33	consumers	consumer	NOUN
cblr-1739	1152	34	’	'	PUNCT
cblr-1739	1152	35	guarantors.303	guarantors.303	PROPN
cblr-1739	1152	36	second	second	NOUN
cblr-1739	1152	37	,	,	PUNCT
cblr-1739	1152	38	a	a	DET
cblr-1739	1152	39	creditor	creditor	NOUN
cblr-1739	1152	40	may	may	AUX
cblr-1739	1152	41	obtain	obtain	VERB
cblr-1739	1152	42	and	and	CCONJ
cblr-1739	1152	43	use	use	VERB
cblr-1739	1152	44	social	social	ADJ
cblr-1739	1152	45	information	information	NOUN
cblr-1739	1152	46	to	to	PART
cblr-1739	1152	47	comply	comply	VERB
cblr-1739	1152	48	with	with	ADP
cblr-1739	1152	49	applicable	applicable	ADJ
cblr-1739	1152	50	requirements	requirement	NOUN
cblr-1739	1152	51	of	of	ADP
cblr-1739	1152	52	state	state	NOUN
cblr-1739	1152	53	,	,	PUNCT
cblr-1739	1152	54	local	local	ADJ
cblr-1739	1152	55	,	,	PUNCT
cblr-1739	1152	56	or	or	CCONJ
cblr-1739	1152	57	federal	federal	ADJ
cblr-1739	1152	58	laws	law	NOUN
cblr-1739	1152	59	.	.	PUNCT
cblr-1739	1153	1	third	third	ADJ
cblr-1739	1153	2	,	,	PUNCT
cblr-1739	1153	3	a	a	DET
cblr-1739	1153	4	creditor	creditor	NOUN
cblr-1739	1153	5	may	may	AUX
cblr-1739	1153	6	obtain	obtain	VERB
cblr-1739	1153	7	and	and	CCONJ
cblr-1739	1153	8	use	use	VERB
cblr-1739	1153	9	social	social	ADJ
cblr-1739	1153	10	information	information	NOUN
cblr-1739	1153	11	in	in	ADP
cblr-1739	1153	12	connection	connection	NOUN
cblr-1739	1153	13	with	with	ADP
cblr-1739	1153	14	its	its	PRON
cblr-1739	1153	15	determination	determination	NOUN
cblr-1739	1153	16	of	of	ADP
cblr-1739	1153	17	a	a	DET
cblr-1739	1153	18	consumer	consumer	NOUN
cblr-1739	1153	19	’s	’s	PART
cblr-1739	1153	20	eligibility	eligibility	NOUN
cblr-1739	1153	21	for	for	ADP
cblr-1739	1153	22	a	a	DET
cblr-1739	1153	23	special	special	ADJ
cblr-1739	1153	24	credit	credit	NOUN
cblr-1739	1153	25	program	program	NOUN
cblr-1739	1153	26	or	or	CCONJ
cblr-1739	1153	27	a	a	DET
cblr-1739	1153	28	creditrelated	creditrelate	VERB
cblr-1739	1153	29	assistance	assistance	NOUN
cblr-1739	1153	30	program	program	NOUN
cblr-1739	1153	31	that	that	PRON
cblr-1739	1153	32	is	be	AUX
cblr-1739	1153	33	:	:	PUNCT
cblr-1739	1153	34	(	(	PUNCT
cblr-1739	1153	35	i	i	NOUN
cblr-1739	1153	36	)	)	PUNCT
cblr-1739	1153	37	designed	design	VERB
cblr-1739	1153	38	to	to	PART
cblr-1739	1153	39	benefit	benefit	VERB
cblr-1739	1153	40	“	"	PUNCT
cblr-1739	1153	41	unscored	unscored	ADJ
cblr-1739	1153	42	”	"	PUNCT
cblr-1739	1153	43	consumers	consumer	NOUN
cblr-1739	1153	44	with	with	ADP
cblr-1739	1153	45	exceptional	exceptional	ADJ
cblr-1739	1153	46	social	social	ADJ
cblr-1739	1153	47	standing	standing	NOUN
cblr-1739	1153	48	that	that	PRON
cblr-1739	1153	49	include	include	VERB
cblr-1739	1153	50	individuals	individual	NOUN
cblr-1739	1153	51	with	with	ADP
cblr-1739	1153	52	thin	thin	ADJ
cblr-1739	1153	53	or	or	CCONJ
cblr-1739	1153	54	no	no	PRON
cblr-1739	1153	55	credit	credit	NOUN
cblr-1739	1153	56	file	file	NOUN
cblr-1739	1153	57	,	,	PUNCT
cblr-1739	1153	58	such	such	ADJ
cblr-1739	1153	59	as	as	ADP
cblr-1739	1153	60	college	college	NOUN
cblr-1739	1153	61	students	student	NOUN
cblr-1739	1153	62	and	and	CCONJ
cblr-1739	1153	63	young	young	ADJ
cblr-1739	1153	64	adults	adult	NOUN
cblr-1739	1153	65	,	,	PUNCT
cblr-1739	1153	66	immigrants	immigrant	NOUN
cblr-1739	1153	67	,	,	PUNCT
cblr-1739	1153	68	widows	widow	NOUN
cblr-1739	1153	69	or	or	CCONJ
cblr-1739	1153	70	new	new	ADJ
cblr-1739	1153	71	divorcees	divorcee	NOUN
cblr-1739	1153	72	,	,	PUNCT
cblr-1739	1153	73	the	the	DET
cblr-1739	1153	74	elderly	elderly	ADJ
cblr-1739	1153	75	,	,	PUNCT
cblr-1739	1153	76	ethnic	ethnic	ADJ
cblr-1739	1153	77	minorities	minority	NOUN
cblr-1739	1153	78	,	,	PUNCT
cblr-1739	1153	79	and	and	CCONJ
cblr-1739	1153	80	low	low	ADJ
cblr-1739	1153	81	-	-	PUNCT
cblr-1739	1153	82	income	income	NOUN
cblr-1739	1153	83	individuals	individual	NOUN
cblr-1739	1153	84	,	,	PUNCT
cblr-1739	1153	85	and	and	CCONJ
cblr-1739	1153	86	(	(	PUNCT
cblr-1739	1153	87	ii	ii	NOUN
cblr-1739	1153	88	)	)	PUNCT
cblr-1739	1153	89	established	establish	VERB
cblr-1739	1153	90	and	and	CCONJ
cblr-1739	1153	91	administered	administer	VERB
cblr-1739	1153	92	under	under	ADP
cblr-1739	1153	93	a	a	DET
cblr-1739	1153	94	written	write	VERB
cblr-1739	1153	95	plan	plan	NOUN
cblr-1739	1153	96	that	that	PRON
cblr-1739	1153	97	identifies	identify	VERB
cblr-1739	1153	98	the	the	DET
cblr-1739	1153	99	class	class	NOUN
cblr-1739	1153	100	of	of	ADP
cblr-1739	1153	101	persons	person	NOUN
cblr-1739	1153	102	it	it	PRON
cblr-1739	1153	103	is	be	AUX
cblr-1739	1153	104	designed	design	VERB
cblr-1739	1153	105	to	to	PART
cblr-1739	1153	106	benefit	benefit	VERB
cblr-1739	1153	107	,	,	PUNCT
cblr-1739	1153	108	and	and	CCONJ
cblr-1739	1153	109	sets	set	VERB
cblr-1739	1153	110	out	out	ADP
cblr-1739	1153	111	the	the	DET
cblr-1739	1153	112	procedure	procedure	NOUN
cblr-1739	1153	113	and	and	CCONJ
cblr-1739	1153	114	criteria	criterion	NOUN
cblr-1739	1153	115	for	for	ADP
cblr-1739	1153	116	extending	extend	VERB
cblr-1739	1153	117	credit	credit	NOUN
cblr-1739	1153	118	or	or	CCONJ
cblr-1739	1153	119	providing	provide	VERB
cblr-1739	1153	120	other	other	ADJ
cblr-1739	1153	121	credit	credit	NOUN
cblr-1739	1153	122	-	-	PUNCT
cblr-1739	1153	123	related	relate	VERB
cblr-1739	1153	124	assistance	assistance	NOUN
cblr-1739	1153	125	under	under	ADP
cblr-1739	1153	126	the	the	DET
cblr-1739	1153	127	program	program	NOUN
cblr-1739	1153	128	.	.	PUNCT
cblr-1739	1154	1	fourth	fourth	ADJ
cblr-1739	1154	2	,	,	PUNCT
cblr-1739	1154	3	a	a	DET
cblr-1739	1154	4	creditor	creditor	NOUN
cblr-1739	1154	5	may	may	AUX
cblr-1739	1154	6	obtain	obtain	VERB
cblr-1739	1154	7	and	and	CCONJ
cblr-1739	1154	8	use	use	VERB
cblr-1739	1154	9	social	social	ADJ
cblr-1739	1154	10	information	information	NOUN
cblr-1739	1154	11	in	in	ADP
cblr-1739	1154	12	determining	determine	VERB
cblr-1739	1154	13	a	a	DET
cblr-1739	1154	14	consumer	consumer	NOUN
cblr-1739	1154	15	’s	’s	PART
cblr-1739	1154	16	eligibility	eligibility	NOUN
cblr-1739	1154	17	for	for	ADP
cblr-1739	1154	18	credit	credit	NOUN
cblr-1739	1154	19	to	to	ADP
cblr-1739	1154	20	the	the	DET
cblr-1739	1154	21	extent	extent	NOUN
cblr-1739	1154	22	necessary	necessary	ADJ
cblr-1739	1154	23	for	for	ADP
cblr-1739	1154	24	fraud	fraud	NOUN
cblr-1739	1154	25	prevention	prevention	NOUN
cblr-1739	1154	26	or	or	CCONJ
cblr-1739	1154	27	detection	detection	NOUN
cblr-1739	1154	28	.	.	PUNCT
cblr-1739	1155	1	creditors	creditor	NOUN
cblr-1739	1155	2	who	who	PRON
cblr-1739	1155	3	wish	wish	VERB
cblr-1739	1155	4	to	to	PART
cblr-1739	1155	5	operate	operate	VERB
cblr-1739	1155	6	based	base	VERB
cblr-1739	1155	7	on	on	ADP
cblr-1739	1155	8	this	this	DET
cblr-1739	1155	9	exception	exception	NOUN
cblr-1739	1155	10	might	might	AUX
cblr-1739	1155	11	be	be	AUX
cblr-1739	1155	12	asked	ask	VERB
cblr-1739	1155	13	to	to	PART
cblr-1739	1155	14	demonstrate	demonstrate	VERB
cblr-1739	1155	15	the	the	DET
cblr-1739	1155	16	need	need	NOUN
cblr-1739	1155	17	for	for	ADP
cblr-1739	1155	18	,	,	PUNCT
cblr-1739	1155	19	and	and	CCONJ
cblr-1739	1155	20	the	the	DET
cblr-1739	1155	21	actual	actual	ADJ
cblr-1739	1155	22	use	use	NOUN
cblr-1739	1155	23	of	of	ADP
cblr-1739	1155	24	,	,	PUNCT
cblr-1739	1155	25	the	the	DET
cblr-1739	1155	26	social	social	ADJ
cblr-1739	1155	27	information	information	NOUN
cblr-1739	1155	28	in	in	ADP
cblr-1739	1155	29	the	the	DET
cblr-1739	1155	30	detection	detection	NOUN
cblr-1739	1155	31	or	or	CCONJ
cblr-1739	1155	32	prevention	prevention	NOUN
cblr-1739	1155	33	of	of	ADP
cblr-1739	1155	34	the	the	DET
cblr-1739	1155	35	fraud	fraud	NOUN
cblr-1739	1155	36	.	.	PUNCT
cblr-1739	1156	1	fifth	fifth	ADJ
cblr-1739	1156	2	,	,	PUNCT
cblr-1739	1156	3	a	a	DET
cblr-1739	1156	4	creditor	creditor	NOUN
cblr-1739	1156	5	may	may	AUX
cblr-1739	1156	6	use	use	VERB
cblr-1739	1156	7	a	a	DET
cblr-1739	1156	8	consumer	consumer	NOUN
cblr-1739	1156	9	’s	’s	PART
cblr-1739	1156	10	social	social	ADJ
cblr-1739	1156	11	information	information	NOUN
cblr-1739	1156	12	if	if	SCONJ
cblr-1739	1156	13	the	the	DET
cblr-1739	1156	14	consumer	consumer	NOUN
cblr-1739	1156	15	requests	request	VERB
cblr-1739	1156	16	that	that	SCONJ
cblr-1739	1156	17	the	the	DET
cblr-1739	1156	18	creditor	creditor	NOUN
cblr-1739	1156	19	use	use	VERB
cblr-1739	1156	20	his	his	PRON
cblr-1739	1156	21	or	or	CCONJ
cblr-1739	1156	22	her	her	PRON
cblr-1739	1156	23	information	information	NOUN
cblr-1739	1156	24	in	in	ADP
cblr-1739	1156	25	determining	determine	VERB
cblr-1739	1156	26	credit	credit	NOUN
cblr-1739	1156	27	eligibility	eligibility	NOUN
cblr-1739	1156	28	,	,	PUNCT
cblr-1739	1156	29	in	in	ADP
cblr-1739	1156	30	order	order	NOUN
cblr-1739	1156	31	to	to	PART
cblr-1739	1156	32	accommodate	accommodate	VERB
cblr-1739	1156	33	the	the	DET
cblr-1739	1156	34	consumer	consumer	NOUN
cblr-1739	1156	35	’s	’s	PART
cblr-1739	1156	36	particular	particular	ADJ
cblr-1739	1156	37	circumstances	circumstance	NOUN
cblr-1739	1156	38	,	,	PUNCT
cblr-1739	1156	39	provided	provide	VERB
cblr-1739	1156	40	the	the	DET
cblr-1739	1156	41	creditor	creditor	NOUN
cblr-1739	1156	42	documents	document	NOUN
cblr-1739	1156	43	that	that	DET
cblr-1739	1156	44	request	request	VERB
cblr-1739	1156	45	.	.	PUNCT
cblr-1739	1157	1	the	the	DET
cblr-1739	1157	2	social	social	ADJ
cblr-1739	1157	3	accommodation	accommodation	NOUN
cblr-1739	1157	4	exception	exception	NOUN
cblr-1739	1157	5	is	be	AUX
cblr-1739	1157	6	not	not	PART
cblr-1739	1157	7	triggered	trigger	VERB
cblr-1739	1157	8	until	until	SCONJ
cblr-1739	1157	9	the	the	DET
cblr-1739	1157	10	consumer	consumer	NOUN
cblr-1739	1157	11	makes	make	VERB
cblr-1739	1157	12	a	a	DET
cblr-1739	1157	13	formal	formal	ADJ
cblr-1739	1157	14	detailed	detailed	ADJ
cblr-1739	1157	15	request	request	NOUN
cblr-1739	1157	16	for	for	ADP
cblr-1739	1157	17	such	such	DET
cblr-1739	1157	18	an	an	DET
cblr-1739	1157	19	accommodation	accommodation	NOUN
cblr-1739	1157	20	.	.	PUNCT
cblr-1739	1158	1	either	either	DET
cblr-1739	1158	2	way	way	NOUN
cblr-1739	1158	3	,	,	PUNCT
cblr-1739	1158	4	the	the	DET
cblr-1739	1158	5	creditor	creditor	NOUN
cblr-1739	1158	6	may	may	AUX
cblr-1739	1158	7	not	not	PART
cblr-1739	1158	8	deny	deny	VERB
cblr-1739	1158	9	a	a	DET
cblr-1739	1158	10	consumer	consumer	NOUN
cblr-1739	1158	11	’s	’s	PART
cblr-1739	1158	12	application	application	NOUN
cblr-1739	1158	13	or	or	CCONJ
cblr-1739	1158	14	otherwise	otherwise	ADV
cblr-1739	1158	15	treat	treat	VERB
cblr-1739	1158	16	the	the	DET
cblr-1739	1158	17	303	303	NUM
cblr-1739	1158	18	this	this	PRON
cblr-1739	1158	19	is	be	AUX
cblr-1739	1158	20	similar	similar	ADJ
cblr-1739	1158	21	to	to	ADP
cblr-1739	1158	22	the	the	DET
cblr-1739	1158	23	concept	concept	NOUN
cblr-1739	1158	24	of	of	ADP
cblr-1739	1158	25	power	power	NOUN
cblr-1739	1158	26	of	of	ADP
cblr-1739	1158	27	attorney	attorney	NOUN
cblr-1739	1158	28	,	,	PUNCT
cblr-1739	1158	29	and	and	CCONJ
cblr-1739	1158	30	the	the	DET
cblr-1739	1158	31	use	use	NOUN
cblr-1739	1158	32	of	of	ADP
cblr-1739	1158	33	medical	medical	ADJ
cblr-1739	1158	34	information	information	NOUN
cblr-1739	1158	35	to	to	PART
cblr-1739	1158	36	determine	determine	VERB
cblr-1739	1158	37	mental	mental	ADJ
cblr-1739	1158	38	or	or	CCONJ
cblr-1739	1158	39	physical	physical	ADJ
cblr-1739	1158	40	capacity	capacity	NOUN
cblr-1739	1158	41	.	.	PUNCT
cblr-1739	1159	1	geslevich	geslevich	PROPN
cblr-1739	1159	2	packin	packin	PROPN
cblr-1739	1159	3	&	&	CCONJ
cblr-1739	1159	4	lev	lev	PROPN
cblr-1739	1159	5	-	-	PUNCT
cblr-1739	1159	6	aretz	aretz	PROPN
cblr-1739	1159	7	–	–	PUNCT
cblr-1739	1159	8	final	final	ADJ
cblr-1739	1159	9	420	420	NUM
cblr-1739	1159	10	columbia	columbia	PROPN
cblr-1739	1159	11	business	business	NOUN
cblr-1739	1159	12	law	law	NOUN
cblr-1739	1159	13	review	review	NOUN
cblr-1739	1160	1	[	[	X
cblr-1739	1160	2	vol	vol	NOUN
cblr-1739	1160	3	.	.	NOUN
cblr-1739	1160	4	2016	2016	NUM
cblr-1739	1160	5	consumer	consumer	NOUN
cblr-1739	1160	6	less	less	ADV
cblr-1739	1160	7	favorably	favorably	ADV
cblr-1739	1160	8	as	as	ADP
cblr-1739	1160	9	a	a	DET
cblr-1739	1160	10	result	result	NOUN
cblr-1739	1160	11	of	of	ADP
cblr-1739	1160	12	the	the	DET
cblr-1739	1160	13	consumer	consumer	NOUN
cblr-1739	1160	14	’s	’s	PART
cblr-1739	1160	15	request	request	NOUN
cblr-1739	1160	16	for	for	ADP
cblr-1739	1160	17	social	social	ADJ
cblr-1739	1160	18	accommodation	accommodation	NOUN
cblr-1739	1160	19	,	,	PUNCT
cblr-1739	1160	20	if	if	SCONJ
cblr-1739	1160	21	the	the	DET
cblr-1739	1160	22	creditor	creditor	NOUN
cblr-1739	1160	23	would	would	AUX
cblr-1739	1160	24	have	have	AUX
cblr-1739	1160	25	treated	treat	VERB
cblr-1739	1160	26	the	the	DET
cblr-1739	1160	27	consumer	consumer	NOUN
cblr-1739	1160	28	more	more	ADV
cblr-1739	1160	29	favorably	favorably	ADV
cblr-1739	1160	30	under	under	ADP
cblr-1739	1160	31	its	its	PRON
cblr-1739	1160	32	otherwise	otherwise	ADV
cblr-1739	1160	33	existing	exist	VERB
cblr-1739	1160	34	and	and	CCONJ
cblr-1739	1160	35	established	establish	VERB
cblr-1739	1160	36	criteria.304	criteria.304	NOUN
cblr-1739	1160	37	notwithstanding	notwithstanding	ADP
cblr-1739	1160	38	the	the	DET
cblr-1739	1160	39	listed	list	VERB
cblr-1739	1160	40	exceptions	exception	NOUN
cblr-1739	1160	41	,	,	PUNCT
cblr-1739	1160	42	under	under	ADP
cblr-1739	1160	43	no	no	DET
cblr-1739	1160	44	circumstances	circumstance	NOUN
cblr-1739	1160	45	should	should	AUX
cblr-1739	1160	46	derivative	derivative	ADJ
cblr-1739	1160	47	social	social	ADJ
cblr-1739	1160	48	information	information	NOUN
cblr-1739	1160	49	be	be	AUX
cblr-1739	1160	50	analyzed	analyze	VERB
cblr-1739	1160	51	,	,	PUNCT
cblr-1739	1160	52	used	use	VERB
cblr-1739	1160	53	,	,	PUNCT
cblr-1739	1160	54	or	or	CCONJ
cblr-1739	1160	55	stored	store	VERB
cblr-1739	1160	56	independently	independently	ADV
cblr-1739	1160	57	of	of	ADP
cblr-1739	1160	58	social	social	ADJ
cblr-1739	1160	59	information	information	NOUN
cblr-1739	1160	60	.	.	PUNCT
cblr-1739	1161	1	d.	d.	PROPN
cblr-1739	1161	2	against	against	ADP
cblr-1739	1161	3	a	a	DET
cblr-1739	1161	4	financially	financially	ADV
cblr-1739	1161	5	sound	sound	ADJ
cblr-1739	1161	6	policy	policy	NOUN
cblr-1739	1161	7	—	—	PUNCT
cblr-1739	1161	8	precedents	precedent	NOUN
cblr-1739	1161	9	as	as	ADP
cblr-1739	1161	10	a	a	DET
cblr-1739	1161	11	society	society	NOUN
cblr-1739	1161	12	,	,	PUNCT
cblr-1739	1161	13	we	we	PRON
cblr-1739	1161	14	typically	typically	ADV
cblr-1739	1161	15	tend	tend	VERB
cblr-1739	1161	16	to	to	PART
cblr-1739	1161	17	promote	promote	VERB
cblr-1739	1161	18	methods	method	NOUN
cblr-1739	1161	19	and	and	CCONJ
cblr-1739	1161	20	techniques	technique	NOUN
cblr-1739	1161	21	that	that	PRON
cblr-1739	1161	22	help	help	VERB
cblr-1739	1161	23	us	we	PRON
cblr-1739	1161	24	establish	establish	VERB
cblr-1739	1161	25	policy	policy	NOUN
cblr-1739	1161	26	frameworks	framework	NOUN
cblr-1739	1161	27	for	for	ADP
cblr-1739	1161	28	effective	effective	ADJ
cblr-1739	1161	29	and	and	CCONJ
cblr-1739	1161	30	efficient	efficient	ADJ
cblr-1739	1161	31	financial	financial	ADJ
cblr-1739	1161	32	regulation.305	regulation.305	NOUN
cblr-1739	1161	33	the	the	DET
cblr-1739	1161	34	use	use	NOUN
cblr-1739	1161	35	of	of	ADP
cblr-1739	1161	36	social	social	ADJ
cblr-1739	1161	37	information	information	NOUN
cblr-1739	1161	38	as	as	ADP
cblr-1739	1161	39	a	a	DET
cblr-1739	1161	40	factor	factor	NOUN
cblr-1739	1161	41	for	for	ADP
cblr-1739	1161	42	determining	determine	VERB
cblr-1739	1161	43	one	one	NUM
cblr-1739	1161	44	’s	’s	PART
cblr-1739	1161	45	credit	credit	NOUN
cblr-1739	1161	46	holds	hold	VERB
cblr-1739	1161	47	an	an	DET
cblr-1739	1161	48	accuracy	accuracy	NOUN
cblr-1739	1161	49	promise	promise	NOUN
cblr-1739	1161	50	,	,	PUNCT
cblr-1739	1161	51	and	and	CCONJ
cblr-1739	1161	52	thus	thus	ADV
cblr-1739	1161	53	makes	make	VERB
cblr-1739	1161	54	financial	financial	ADJ
cblr-1739	1161	55	sense.306	sense.306	NOUN
cblr-1739	1161	56	yet	yet	ADV
cblr-1739	1161	57	both	both	CCONJ
cblr-1739	1161	58	legal	legal	ADJ
cblr-1739	1161	59	and	and	CCONJ
cblr-1739	1161	60	business	business	NOUN
cblr-1739	1161	61	concerns	concern	NOUN
cblr-1739	1161	62	may	may	AUX
cblr-1739	1161	63	cause	cause	VERB
cblr-1739	1161	64	304	304	NUM
cblr-1739	1161	65	allowing	allow	VERB
cblr-1739	1161	66	creditors	creditor	NOUN
cblr-1739	1161	67	to	to	PART
cblr-1739	1161	68	factor	factor	VERB
cblr-1739	1161	69	in	in	ADP
cblr-1739	1161	70	social	social	ADJ
cblr-1739	1161	71	information	information	NOUN
cblr-1739	1161	72	at	at	ADP
cblr-1739	1161	73	the	the	DET
cblr-1739	1161	74	consumer	consumer	NOUN
cblr-1739	1161	75	’s	’s	PART
cblr-1739	1161	76	request	request	NOUN
cblr-1739	1161	77	creates	create	VERB
cblr-1739	1161	78	an	an	DET
cblr-1739	1161	79	opt	opt	VERB
cblr-1739	1161	80	-	-	PUNCT
cblr-1739	1161	81	in	in	ADP
cblr-1739	1161	82	regime	regime	NOUN
cblr-1739	1161	83	.	.	PUNCT
cblr-1739	1162	1	nevertheless	nevertheless	ADV
cblr-1739	1162	2	,	,	PUNCT
cblr-1739	1162	3	the	the	DET
cblr-1739	1162	4	use	use	NOUN
cblr-1739	1162	5	of	of	ADP
cblr-1739	1162	6	the	the	DET
cblr-1739	1162	7	social	social	ADJ
cblr-1739	1162	8	information	information	NOUN
cblr-1739	1162	9	is	be	AUX
cblr-1739	1162	10	limited	limit	VERB
cblr-1739	1162	11	to	to	PART
cblr-1739	1162	12	solely	solely	ADV
cblr-1739	1162	13	benefiting	benefit	VERB
cblr-1739	1162	14	the	the	DET
cblr-1739	1162	15	consumer	consumer	NOUN
cblr-1739	1162	16	and	and	CCONJ
cblr-1739	1162	17	can	can	AUX
cblr-1739	1162	18	not	not	PART
cblr-1739	1162	19	decrease	decrease	VERB
cblr-1739	1162	20	her	her	PRON
cblr-1739	1162	21	score	score	NOUN
cblr-1739	1162	22	.	.	PUNCT
cblr-1739	1163	1	limiting	limit	VERB
cblr-1739	1163	2	the	the	DET
cblr-1739	1163	3	scope	scope	NOUN
cblr-1739	1163	4	of	of	ADP
cblr-1739	1163	5	such	such	DET
cblr-1739	1163	6	an	an	DET
cblr-1739	1163	7	opt	opt	VERB
cblr-1739	1163	8	-	-	PUNCT
cblr-1739	1163	9	in	in	ADP
cblr-1739	1163	10	regime	regime	NOUN
cblr-1739	1163	11	by	by	ADP
cblr-1739	1163	12	making	make	VERB
cblr-1739	1163	13	it	it	PRON
cblr-1739	1163	14	a	a	DET
cblr-1739	1163	15	narrow	narrow	ADJ
cblr-1739	1163	16	and	and	CCONJ
cblr-1739	1163	17	carefully	carefully	ADV
cblr-1739	1163	18	tailored	tailor	VERB
cblr-1739	1163	19	exceptions	exception	NOUN
cblr-1739	1163	20	minimizes	minimize	VERB
cblr-1739	1163	21	negative	negative	ADJ
cblr-1739	1163	22	effects	effect	NOUN
cblr-1739	1163	23	on	on	ADP
cblr-1739	1163	24	other	other	ADJ
cblr-1739	1163	25	consumers	consumer	NOUN
cblr-1739	1163	26	as	as	SCONJ
cblr-1739	1163	27	it	it	PRON
cblr-1739	1163	28	does	do	AUX
cblr-1739	1163	29	not	not	PART
cblr-1739	1163	30	establish	establish	VERB
cblr-1739	1163	31	a	a	DET
cblr-1739	1163	32	new	new	ADJ
cblr-1739	1163	33	baseline	baseline	NOUN
cblr-1739	1163	34	.	.	PUNCT
cblr-1739	1164	1	therefore	therefore	ADV
cblr-1739	1164	2	,	,	PUNCT
cblr-1739	1164	3	the	the	DET
cblr-1739	1164	4	suggested	suggest	VERB
cblr-1739	1164	5	exception	exception	NOUN
cblr-1739	1164	6	does	do	AUX
cblr-1739	1164	7	not	not	PART
cblr-1739	1164	8	prejudice	prejudice	VERB
cblr-1739	1164	9	consumers	consumer	NOUN
cblr-1739	1164	10	choosing	choose	VERB
cblr-1739	1164	11	not	not	PART
cblr-1739	1164	12	to	to	PART
cblr-1739	1164	13	opt	opt	VERB
cblr-1739	1164	14	in	in	ADP
cblr-1739	1164	15	as	as	SCONJ
cblr-1739	1164	16	no	no	DET
cblr-1739	1164	17	negative	negative	ADJ
cblr-1739	1164	18	inferences	inference	NOUN
cblr-1739	1164	19	are	be	AUX
cblr-1739	1164	20	made	make	VERB
cblr-1739	1164	21	about	about	ADP
cblr-1739	1164	22	them	they	PRON
cblr-1739	1164	23	and	and	CCONJ
cblr-1739	1164	24	their	their	PRON
cblr-1739	1164	25	reasons	reason	NOUN
cblr-1739	1164	26	for	for	ADP
cblr-1739	1164	27	not	not	PART
cblr-1739	1164	28	participating	participate	VERB
cblr-1739	1164	29	.	.	PUNCT
cblr-1739	1165	1	305	305	NUM
cblr-1739	1165	2	see	see	VERB
cblr-1739	1165	3	generally	generally	ADV
cblr-1739	1165	4	org	org	ADJ
cblr-1739	1165	5	.	.	PUNCT
cblr-1739	1166	1	for	for	ADP
cblr-1739	1166	2	econ	econ	PROPN
cblr-1739	1166	3	.	.	PUNCT
cblr-1739	1167	1	co	co	NOUN
cblr-1739	1167	2	-	-	NOUN
cblr-1739	1167	3	operation	operation	NOUN
cblr-1739	1167	4	&	&	CCONJ
cblr-1739	1167	5	dev	dev	PROPN
cblr-1739	1167	6	.	.	PROPN
cblr-1739	1167	7	,	,	PUNCT
cblr-1739	1167	8	policy	policy	NOUN
cblr-1739	1167	9	framework	framework	NOUN
cblr-1739	1167	10	for	for	ADP
cblr-1739	1167	11	effective	effective	ADJ
cblr-1739	1167	12	and	and	CCONJ
cblr-1739	1167	13	efficient	efficient	ADJ
cblr-1739	1167	14	financial	financial	ADJ
cblr-1739	1167	15	regulation	regulation	NOUN
cblr-1739	1167	16	(	(	PUNCT
cblr-1739	1167	17	2012	2012	NUM
cblr-1739	1167	18	)	)	PUNCT
cblr-1739	1167	19	,	,	PUNCT
cblr-1739	1167	20	http://www.oecd.org/finance/financial-markets/44362818.pdf	http://www.oecd.org/finance/financial-markets/44362818.pdf	NOUN
cblr-1739	1168	1	[	[	X
cblr-1739	1168	2	http://	http://	PROPN
cblr-1739	1168	3	perma.cc/3wjq-y34d	perma.cc/3wjq-y34d	NUM
cblr-1739	1168	4	]	]	PUNCT
cblr-1739	1168	5	.	.	PUNCT
cblr-1739	1169	1	306	306	NUM
cblr-1739	1169	2	see	see	VERB
cblr-1739	1169	3	,	,	PUNCT
cblr-1739	1169	4	e.g.	e.g.	ADV
cblr-1739	1169	5	,	,	PUNCT
cblr-1739	1169	6	alina	alina	PROPN
cblr-1739	1169	7	selyukh	selyukh	PROPN
cblr-1739	1169	8	,	,	PUNCT
cblr-1739	1169	9	could	could	AUX
cblr-1739	1169	10	your	your	PRON
cblr-1739	1169	11	social	social	ADJ
cblr-1739	1169	12	media	medium	NOUN
cblr-1739	1169	13	footprint	footprint	NOUN
cblr-1739	1169	14	step	step	NOUN
cblr-1739	1169	15	on	on	ADP
cblr-1739	1169	16	your	your	PRON
cblr-1739	1169	17	credit	credit	NOUN
cblr-1739	1169	18	history	history	NOUN
cblr-1739	1169	19	?	?	PUNCT
cblr-1739	1169	20	,	,	PUNCT
cblr-1739	1169	21	npr	npr	PROPN
cblr-1739	1169	22	(	(	PUNCT
cblr-1739	1169	23	nov	nov	PROPN
cblr-1739	1169	24	.	.	PROPN
cblr-1739	1169	25	4	4	NUM
cblr-1739	1169	26	,	,	PUNCT
cblr-1739	1169	27	2015	2015	NUM
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cblr-1739	1169	29	,	,	PUNCT
cblr-1739	1169	30	http://www.npr.org/sections/	http://www.npr.org/sections/	ADV
cblr-1739	1169	31	thetwo	thetwo	NOUN
cblr-1739	1169	32	-	-	PUNCT
cblr-1739	1169	33	way/2015/11/04/454237651	way/2015/11/04/454237651	NOUN
cblr-1739	1169	34	/	/	SYM
cblr-1739	1169	35	could	could	AUX
cblr-1739	1169	36	-	-	PUNCT
cblr-1739	1169	37	your	your	PRON
cblr-1739	1169	38	-	-	PUNCT
cblr-1739	1169	39	social	social	ADJ
cblr-1739	1169	40	-	-	PUNCT
cblr-1739	1169	41	media	media	NOUN
cblr-1739	1169	42	-	-	PUNCT
cblr-1739	1169	43	footprint	footprint	NOUN
cblr-1739	1169	44	-	-	PUNCT
cblr-1739	1169	45	stepon	stepon	NOUN
cblr-1739	1169	46	-	-	PUNCT
cblr-1739	1169	47	your	your	PRON
cblr-1739	1169	48	-	-	PUNCT
cblr-1739	1169	49	credit	credit	NOUN
cblr-1739	1169	50	-	-	PUNCT
cblr-1739	1169	51	history	history	NOUN
cblr-1739	1169	52	[	[	X
cblr-1739	1169	53	http://perma.cc/v2pn-aern	http://perma.cc/v2pn-aern	NOUN
cblr-1739	1169	54	]	]	X
cblr-1739	1169	55	(	(	PUNCT
cblr-1739	1169	56	stating	state	VERB
cblr-1739	1169	57	that	that	SCONJ
cblr-1739	1169	58	“	"	PUNCT
cblr-1739	1169	59	[	[	X
cblr-1739	1169	60	t]hese	t]hese	ADJ
cblr-1739	1169	61	alternative	alternative	ADJ
cblr-1739	1169	62	data	datum	NOUN
cblr-1739	1169	63	sources	source	NOUN
cblr-1739	1169	64	have	have	AUX
cblr-1739	1169	65	proven	prove	VERB
cblr-1739	1169	66	to	to	PART
cblr-1739	1169	67	accurately	accurately	ADV
cblr-1739	1169	68	score	score	VERB
cblr-1739	1169	69	more	more	ADJ
cblr-1739	1169	70	than	than	ADP
cblr-1739	1169	71	90	90	NUM
cblr-1739	1169	72	%	%	NOUN
cblr-1739	1169	73	of	of	ADP
cblr-1739	1169	74	applicants	applicant	NOUN
cblr-1739	1169	75	who	who	PRON
cblr-1739	1169	76	otherwise	otherwise	ADV
cblr-1739	1169	77	would	would	AUX
cblr-1739	1169	78	be	be	AUX
cblr-1739	1169	79	returned	return	VERB
cblr-1739	1169	80	as	as	ADP
cblr-1739	1169	81	no	no	ADV
cblr-1739	1169	82	-	-	PUNCT
cblr-1739	1169	83	hit	hit	VERB
cblr-1739	1169	84	or	or	CCONJ
cblr-1739	1169	85	thin	thin	ADJ
cblr-1739	1169	86	-	-	PUNCT
cblr-1739	1169	87	file	file	NOUN
cblr-1739	1169	88	by	by	ADP
cblr-1739	1169	89	traditional	traditional	ADJ
cblr-1739	1169	90	models	model	NOUN
cblr-1739	1169	91	”	"	PUNCT
cblr-1739	1169	92	)	)	PUNCT
cblr-1739	1169	93	;	;	PUNCT
cblr-1739	1169	94	tom	tom	PROPN
cblr-1739	1169	95	groenfeldt	groenfeldt	PROPN
cblr-1739	1169	96	,	,	PUNCT
cblr-1739	1169	97	lenddo	lenddo	PROPN
cblr-1739	1169	98	creates	create	VERB
cblr-1739	1169	99	credit	credit	NOUN
cblr-1739	1169	100	scores	score	NOUN
cblr-1739	1169	101	using	use	VERB
cblr-1739	1169	102	social	social	ADJ
cblr-1739	1169	103	media	medium	NOUN
cblr-1739	1169	104	,	,	PUNCT
cblr-1739	1169	105	forbes	forbes	PROPN
cblr-1739	1169	106	(	(	PUNCT
cblr-1739	1169	107	jan	jan	PROPN
cblr-1739	1169	108	.	.	PROPN
cblr-1739	1169	109	29	29	NUM
cblr-1739	1169	110	,	,	PUNCT
cblr-1739	1169	111	2015	2015	NUM
cblr-1739	1169	112	)	)	PUNCT
cblr-1739	1169	113	,	,	PUNCT
cblr-1739	1169	114	http://www.forbes.com/sites/tom	http://www.forbes.com/sites/tom	PROPN
cblr-1739	1169	115	groenfeldt/2015/01/29	groenfeldt/2015/01/29	PROPN
cblr-1739	1169	116	/	/	SYM
cblr-1739	1169	117	lenddo	lenddo	NOUN
cblr-1739	1169	118	-	-	PUNCT
cblr-1739	1169	119	creates	create	VERB
cblr-1739	1169	120	-	-	PUNCT
cblr-1739	1169	121	credit	credit	NOUN
cblr-1739	1169	122	-	-	PUNCT
cblr-1739	1169	123	scores	score	NOUN
cblr-1739	1169	124	-	-	PUNCT
cblr-1739	1169	125	using	use	VERB
cblr-1739	1169	126	-	-	PUNCT
cblr-1739	1169	127	social	social	ADJ
cblr-1739	1169	128	-	-	PUNCT
cblr-1739	1169	129	media	media	NOUN
cblr-1739	1169	130	[	[	X
cblr-1739	1169	131	http://perma.cc/c6xs-pdrq	http://perma.cc/c6xs-pdrq	X
cblr-1739	1169	132	]	]	PUNCT
cblr-1739	1169	133	(	(	PUNCT
cblr-1739	1169	134	noting	note	VERB
cblr-1739	1169	135	that	that	SCONJ
cblr-1739	1169	136	some	some	DET
cblr-1739	1169	137	banks	bank	NOUN
cblr-1739	1169	138	are	be	AUX
cblr-1739	1169	139	quickly	quickly	ADV
cblr-1739	1169	140	adopting	adopt	VERB
cblr-1739	1169	141	lenddo	lenddo	NOUN
cblr-1739	1169	142	,	,	PUNCT
cblr-1739	1169	143	which	which	PRON
cblr-1739	1169	144	in	in	ADP
cblr-1739	1169	145	turn	turn	NOUN
cblr-1739	1169	146	is	be	AUX
cblr-1739	1169	147	“	"	PUNCT
cblr-1739	1169	148	finding	find	VERB
cblr-1739	1169	149	a	a	DET
cblr-1739	1169	150	lot	lot	NOUN
cblr-1739	1169	151	of	of	ADP
cblr-1739	1169	152	interest	interest	NOUN
cblr-1739	1169	153	in	in	ADP
cblr-1739	1169	154	its	its	PRON
cblr-1739	1169	155	lending	lending	NOUN
cblr-1739	1169	156	application	application	NOUN
cblr-1739	1169	157	from	from	ADP
cblr-1739	1169	158	outside	outside	ADP
cblr-1739	1169	159	of	of	ADP
cblr-1739	1169	160	banking	banking	NOUN
cblr-1739	1169	161	.	.	PUNCT
cblr-1739	1170	1	telcos	telco	NOUN
cblr-1739	1170	2	are	be	AUX
cblr-1739	1170	3	interested	interested	ADJ
cblr-1739	1170	4	because	because	SCONJ
cblr-1739	1170	5	they	they	PRON
cblr-1739	1170	6	already	already	ADV
cblr-1739	1170	7	have	have	VERB
cblr-1739	1170	8	a	a	DET
cblr-1739	1170	9	credit	credit	NOUN
cblr-1739	1170	10	history	history	NOUN
cblr-1739	1170	11	with	with	ADP
cblr-1739	1170	12	their	their	PRON
cblr-1739	1170	13	customers	customer	NOUN
cblr-1739	1170	14	,	,	PUNCT
cblr-1739	1170	15	and	and	CCONJ
cblr-1739	1170	16	because	because	SCONJ
cblr-1739	1170	17	their	their	PRON
cblr-1739	1170	18	geslevich	geslevich	NOUN
cblr-1739	1170	19	packin	packin	PROPN
cblr-1739	1170	20	&	&	CCONJ
cblr-1739	1170	21	lev	lev	PROPN
cblr-1739	1170	22	-	-	PUNCT
cblr-1739	1170	23	aretz	aretz	PROPN
cblr-1739	1170	24	–	–	PUNCT
cblr-1739	1170	25	final	final	ADJ
cblr-1739	1170	26	no	no	NOUN
cblr-1739	1170	27	.	.	PUNCT
cblr-1739	1171	1	2:339	2:339	NUM
cblr-1739	1171	2	]	]	X
cblr-1739	1171	3	on	on	ADP
cblr-1739	1171	4	social	social	ADJ
cblr-1739	1171	5	credit	credit	NOUN
cblr-1739	1171	6	421	421	NUM
cblr-1739	1171	7	society	society	NOUN
cblr-1739	1171	8	to	to	PART
cblr-1739	1171	9	opt	opt	VERB
cblr-1739	1171	10	to	to	PART
cblr-1739	1171	11	disallow	disallow	VERB
cblr-1739	1171	12	a	a	DET
cblr-1739	1171	13	financially	financially	ADV
cblr-1739	1171	14	sound	sound	ADJ
cblr-1739	1171	15	policy	policy	NOUN
cblr-1739	1171	16	that	that	PRON
cblr-1739	1171	17	socioeconomic	socioeconomic	ADJ
cblr-1739	1171	18	,	,	PUNCT
cblr-1739	1171	19	cultural	cultural	ADJ
cblr-1739	1171	20	,	,	PUNCT
cblr-1739	1171	21	and	and	CCONJ
cblr-1739	1171	22	moral	moral	ADJ
cblr-1739	1171	23	arguments	argument	NOUN
cblr-1739	1171	24	counsel	counsel	NOUN
cblr-1739	1171	25	against	against	ADP
cblr-1739	1171	26	.	.	PUNCT
cblr-1739	1172	1	one	one	NUM
cblr-1739	1172	2	such	such	ADJ
cblr-1739	1172	3	policy	policy	NOUN
cblr-1739	1172	4	that	that	PRON
cblr-1739	1172	5	is	be	AUX
cblr-1739	1172	6	financially	financially	ADV
cblr-1739	1172	7	sound	sound	ADJ
cblr-1739	1172	8	but	but	CCONJ
cblr-1739	1172	9	has	have	AUX
cblr-1739	1172	10	been	be	AUX
cblr-1739	1172	11	broadly	broadly	ADV
cblr-1739	1172	12	rejected	reject	VERB
cblr-1739	1172	13	is	be	AUX
cblr-1739	1172	14	price	price	NOUN
cblr-1739	1172	15	discrimination	discrimination	NOUN
cblr-1739	1172	16	against	against	ADP
cblr-1739	1172	17	overweight	overweight	ADJ
cblr-1739	1172	18	individuals	individual	NOUN
cblr-1739	1172	19	based	base	VERB
cblr-1739	1172	20	on	on	ADP
cblr-1739	1172	21	the	the	DET
cblr-1739	1172	22	reasonable	reasonable	ADJ
cblr-1739	1172	23	argument	argument	NOUN
cblr-1739	1172	24	they	they	PRON
cblr-1739	1172	25	cost	cost	VERB
cblr-1739	1172	26	more	more	ADJ
cblr-1739	1172	27	to	to	ADP
cblr-1739	1172	28	service	service	NOUN
cblr-1739	1172	29	.	.	PUNCT
cblr-1739	1173	1	specifically	specifically	ADV
cblr-1739	1173	2	,	,	PUNCT
cblr-1739	1173	3	adopting	adopt	VERB
cblr-1739	1173	4	weight	weight	NOUN
cblr-1739	1173	5	bias	bias	NOUN
cblr-1739	1173	6	as	as	ADP
cblr-1739	1173	7	a	a	DET
cblr-1739	1173	8	financial	financial	ADJ
cblr-1739	1173	9	policy	policy	NOUN
cblr-1739	1173	10	has	have	AUX
cblr-1739	1173	11	recently	recently	ADV
cblr-1739	1173	12	appeared	appear	VERB
cblr-1739	1173	13	in	in	ADP
cblr-1739	1173	14	the	the	DET
cblr-1739	1173	15	context	context	NOUN
cblr-1739	1173	16	of	of	ADP
cblr-1739	1173	17	airfare	airfare	NOUN
cblr-1739	1173	18	pricing	pricing	NOUN
cblr-1739	1173	19	policy	policy	NOUN
cblr-1739	1173	20	,	,	PUNCT
cblr-1739	1173	21	which	which	PRON
cblr-1739	1173	22	required	require	VERB
cblr-1739	1173	23	overweight	overweight	ADJ
cblr-1739	1173	24	passengers	passenger	NOUN
cblr-1739	1173	25	pay	pay	VERB
cblr-1739	1173	26	for	for	ADP
cblr-1739	1173	27	an	an	DET
cblr-1739	1173	28	additional	additional	ADJ
cblr-1739	1173	29	seat307	seat307	PROPN
cblr-1739	1173	30	or	or	CCONJ
cblr-1739	1173	31	changed	change	VERB
cblr-1739	1173	32	the	the	DET
cblr-1739	1173	33	pricing	pricing	NOUN
cblr-1739	1173	34	scheme	scheme	NOUN
cblr-1739	1173	35	to	to	ADP
cblr-1739	1173	36	a	a	DET
cblr-1739	1173	37	“	"	PUNCT
cblr-1739	1173	38	pay	pay	VERB
cblr-1739	1173	39	-	-	PUNCT
cblr-1739	1173	40	per	per	ADP
cblr-1739	1173	41	-	-	PUNCT
cblr-1739	1173	42	pound	pound	NOUN
cblr-1739	1173	43	”	"	PUNCT
cblr-1739	1173	44	rate	rate	NOUN
cblr-1739	1173	45	system	system	NOUN
cblr-1739	1173	46	,	,	PUNCT
cblr-1739	1173	47	as	as	SCONJ
cblr-1739	1173	48	suggested	suggest	VERB
cblr-1739	1173	49	by	by	ADP
cblr-1739	1173	50	an	an	DET
cblr-1739	1173	51	airline	airline	NOUN
cblr-1739	1173	52	in	in	ADP
cblr-1739	1173	53	samoa.308	samoa.308	ADP
cblr-1739	1173	54	these	these	DET
cblr-1739	1173	55	new	new	ADJ
cblr-1739	1173	56	schemes	scheme	NOUN
cblr-1739	1173	57	have	have	AUX
cblr-1739	1173	58	prompted	prompt	VERB
cblr-1739	1173	59	discussions	discussion	NOUN
cblr-1739	1173	60	over	over	ADP
cblr-1739	1173	61	whether	whether	SCONJ
cblr-1739	1173	62	american	american	ADJ
cblr-1739	1173	63	airlines	airline	NOUN
cblr-1739	1173	64	should	should	AUX
cblr-1739	1173	65	adopt	adopt	VERB
cblr-1739	1173	66	comparable	comparable	ADJ
cblr-1739	1173	67	pricing	pricing	NOUN
cblr-1739	1173	68	systems.309	systems.309	NOUN
cblr-1739	1173	69	nevertheless	nevertheless	ADV
cblr-1739	1173	70	,	,	PUNCT
cblr-1739	1173	71	similar	similar	ADJ
cblr-1739	1173	72	practices	practice	NOUN
cblr-1739	1173	73	,	,	PUNCT
cblr-1739	1173	74	except	except	SCONJ
cblr-1739	1173	75	for	for	ADP
cblr-1739	1173	76	revenues	revenue	NOUN
cblr-1739	1173	77	are	be	AUX
cblr-1739	1173	78	going	go	VERB
cblr-1739	1173	79	down	down	ADP
cblr-1739	1173	80	as	as	SCONJ
cblr-1739	1173	81	people	people	NOUN
cblr-1739	1173	82	use	use	VERB
cblr-1739	1173	83	mobiles	mobile	NOUN
cblr-1739	1173	84	more	more	ADV
cblr-1739	1173	85	for	for	ADP
cblr-1739	1173	86	texting	texting	NOUN
cblr-1739	1173	87	and	and	CCONJ
cblr-1739	1173	88	data	datum	NOUN
cblr-1739	1173	89	and	and	CCONJ
cblr-1739	1173	90	less	less	ADJ
cblr-1739	1173	91	for	for	ADP
cblr-1739	1173	92	voice	voice	NOUN
cblr-1739	1173	93	.	.	PUNCT
cblr-1739	1173	94	”	"	PUNCT
cblr-1739	1173	95	)	)	PUNCT
cblr-1739	1173	96	.	.	PUNCT
cblr-1739	1174	1	307	307	NUM
cblr-1739	1174	2	see	see	VERB
cblr-1739	1174	3	arya	arya	PROPN
cblr-1739	1174	4	m.	m.	PROPN
cblr-1739	1174	5	sharma	sharma	PROPN
cblr-1739	1174	6	,	,	PUNCT
cblr-1739	1174	7	how	how	SCONJ
cblr-1739	1174	8	“	"	PUNCT
cblr-1739	1174	9	pay	pay	VERB
cblr-1739	1174	10	as	as	SCONJ
cblr-1739	1174	11	you	you	PRON
cblr-1739	1174	12	weigh	weigh	VERB
cblr-1739	1174	13	”	"	PUNCT
cblr-1739	1174	14	shames	shame	VERB
cblr-1739	1174	15	the	the	DET
cblr-1739	1174	16	obese	obese	NOUN
cblr-1739	1174	17	,	,	PUNCT
cblr-1739	1174	18	huffington	huffington	PROPN
cblr-1739	1174	19	post	post	PROPN
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cblr-1739	1174	21	(	(	PUNCT
cblr-1739	1174	22	apr	apr	PROPN
cblr-1739	1174	23	.	.	PROPN
cblr-1739	1174	24	24	24	NUM
cblr-1739	1174	25	,	,	PUNCT
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cblr-1739	1174	27	)	)	PUNCT
cblr-1739	1174	28	,	,	PUNCT
cblr-1739	1174	29	http://www.huffingtonpost.ca/	http://www.huffingtonpost.ca/	NUM
cblr-1739	1174	30	arya	arya	PROPN
cblr-1739	1174	31	-	-	PUNCT
cblr-1739	1174	32	m	m	NOUN
cblr-1739	1174	33	-	-	PUNCT
cblr-1739	1174	34	sharma	sharma	PROPN
cblr-1739	1174	35	-	-	PUNCT
cblr-1739	1174	36	md	md	PROPN
cblr-1739	1174	37	/	/	SYM
cblr-1739	1174	38	pay	pay	NOUN
cblr-1739	1174	39	-	-	PUNCT
cblr-1739	1174	40	as	as	ADP
cblr-1739	1174	41	-	-	PUNCT
cblr-1739	1174	42	you	you	PRON
cblr-1739	1174	43	-	-	PUNCT
cblr-1739	1174	44	weighh_b_3112315.html	weighh_b_3112315.html	PROPN
cblr-1739	1174	45	[	[	X
cblr-1739	1174	46	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	1174	47	br8n	br8n	PROPN
cblr-1739	1174	48	-	-	PUNCT
cblr-1739	1174	49	yr23	yr23	PROPN
cblr-1739	1174	50	]	]	PUNCT
cblr-1739	1174	51	(	(	PUNCT
cblr-1739	1174	52	explaining	explain	VERB
cblr-1739	1174	53	the	the	DET
cblr-1739	1174	54	new	new	ADJ
cblr-1739	1174	55	pay	pay	VERB
cblr-1739	1174	56	-	-	PUNCT
cblr-1739	1174	57	per	per	ADP
cblr-1739	1174	58	-	-	PUNCT
cblr-1739	1174	59	pound	pound	NOUN
cblr-1739	1174	60	airline	airline	NOUN
cblr-1739	1174	61	fare	fare	NOUN
cblr-1739	1174	62	system	system	NOUN
cblr-1739	1174	63	)	)	PUNCT
cblr-1739	1174	64	;	;	PUNCT
cblr-1739	1174	65	how	how	SCONJ
cblr-1739	1174	66	should	should	AUX
cblr-1739	1174	67	airlines	airline	NOUN
cblr-1739	1174	68	treat	treat	VERB
cblr-1739	1174	69	larger	large	ADJ
cblr-1739	1174	70	passengers	passenger	NOUN
cblr-1739	1174	71	?	?	PUNCT
cblr-1739	1174	72	,	,	PUNCT
cblr-1739	1174	73	economist	economist	NOUN
cblr-1739	1174	74	(	(	PUNCT
cblr-1739	1174	75	nov	nov	PROPN
cblr-1739	1174	76	.	.	PROPN
cblr-1739	1174	77	12	12	NUM
cblr-1739	1174	78	,	,	PUNCT
cblr-1739	1174	79	2012	2012	NUM
cblr-1739	1174	80	)	)	PUNCT
cblr-1739	1174	81	,	,	PUNCT
cblr-1739	1174	82	http://www.economist.com/blogs/gulliver/2012/11/obese-flyers	http://www.economist.com/blogs/gulliver/2012/11/obese-flyers	PROPN
cblr-1739	1175	1	[	[	X
cblr-1739	1175	2	http://	http://	PROPN
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cblr-1739	1175	4	]	]	PUNCT
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cblr-1739	1175	6	describing	describe	VERB
cblr-1739	1175	7	air	air	PROPN
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cblr-1739	1175	15	additional	additional	ADJ
cblr-1739	1175	16	seat	seat	NOUN
cblr-1739	1175	17	to	to	PART
cblr-1739	1175	18	overweight	overweight	VERB
cblr-1739	1175	19	passengers	passenger	NOUN
cblr-1739	1175	20	with	with	ADP
cblr-1739	1175	21	a	a	DET
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cblr-1739	1176	6	weigh	weigh	VERB
cblr-1739	1176	7	more	more	ADJ
cblr-1739	1176	8	,	,	PUNCT
cblr-1739	1176	9	pay	pay	VERB
cblr-1739	1176	10	more	more	ADJ
cblr-1739	1176	11	on	on	ADP
cblr-1739	1176	12	samoa	samoa	PROPN
cblr-1739	1176	13	air	air	PROPN
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cblr-1739	1176	15	wall	wall	PROPN
cblr-1739	1176	16	st	st	PROPN
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cblr-1739	1177	1	(	(	PUNCT
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cblr-1739	1177	5	,	,	PUNCT
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cblr-1739	1178	1	[	[	X
cblr-1739	1178	2	http://perma.cc/8m8q-pg4u	http://perma.cc/8m8q-pg4u	PROPN
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cblr-1739	1178	4	;	;	PUNCT
cblr-1739	1178	5	pay	pay	VERB
cblr-1739	1178	6	your	your	PRON
cblr-1739	1178	7	weight	weight	NOUN
cblr-1739	1178	8	to	to	PART
cblr-1739	1178	9	fly	fly	VERB
cblr-1739	1178	10	,	,	PUNCT
cblr-1739	1178	11	freakonomics	freakonomic	NOUN
cblr-1739	1178	12	(	(	PUNCT
cblr-1739	1178	13	apr	apr	PROPN
cblr-1739	1178	14	.	.	PROPN
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cblr-1739	1178	17	2013	2013	NUM
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cblr-1739	1178	19	,	,	PUNCT
cblr-1739	1178	20	http://freakonomics.com/2013/04/10/	http://freakonomics.com/2013/04/10/	NOUN
cblr-1739	1178	21	pay	pay	VERB
cblr-1739	1178	22	-	-	PUNCT
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cblr-1739	1178	24	-	-	PUNCT
cblr-1739	1178	25	weight	weight	NOUN
cblr-1739	1178	26	-	-	PUNCT
cblr-1739	1178	27	to	to	ADP
cblr-1739	1178	28	-	-	PUNCT
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cblr-1739	1179	1	[	[	X
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cblr-1739	1180	1	309	309	NUM
cblr-1739	1180	2	see	see	VERB
cblr-1739	1180	3	,	,	PUNCT
cblr-1739	1180	4	e.g.	e.g.	ADV
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cblr-1739	1180	6	harold	harold	PROPN
cblr-1739	1180	7	maass	maass	PROPN
cblr-1739	1180	8	,	,	PUNCT
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cblr-1739	1180	20	.	.	PROPN
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cblr-1739	1180	22	,	,	PUNCT
cblr-1739	1180	23	2013	2013	NUM
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cblr-1739	1180	25	,	,	PUNCT
cblr-1739	1181	1	http://theweek.com/article/index/242156/	http://theweek.com/article/index/242156/	PROPN
cblr-1739	1181	2	should	should	AUX
cblr-1739	1181	3	-	-	PUNCT
cblr-1739	1181	4	airlines	airline	NOUN
cblr-1739	1181	5	-	-	PUNCT
cblr-1739	1181	6	charge	charge	NOUN
cblr-1739	1181	7	-	-	PUNCT
cblr-1739	1181	8	passengers	passenger	NOUN
cblr-1739	1181	9	-	-	PUNCT
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cblr-1739	1181	11	-	-	PUNCT
cblr-1739	1181	12	weight	weight	NOUN
cblr-1739	1181	13	[	[	X
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cblr-1739	1181	16	(	(	PUNCT
cblr-1739	1181	17	highlighting	highlight	VERB
cblr-1739	1181	18	that	that	SCONJ
cblr-1739	1181	19	some	some	DET
cblr-1739	1181	20	airlines	airline	NOUN
cblr-1739	1181	21	require	require	VERB
cblr-1739	1181	22	passengers	passenger	NOUN
cblr-1739	1181	23	to	to	PART
cblr-1739	1181	24	pay	pay	VERB
cblr-1739	1181	25	second	second	ADJ
cblr-1739	1181	26	fare	fare	NOUN
cblr-1739	1181	27	if	if	SCONJ
cblr-1739	1181	28	they	they	PRON
cblr-1739	1181	29	can	can	AUX
cblr-1739	1181	30	not	not	PART
cblr-1739	1181	31	fit	fit	VERB
cblr-1739	1181	32	comfortably	comfortably	ADV
cblr-1739	1181	33	in	in	ADP
cblr-1739	1181	34	single	single	ADJ
cblr-1739	1181	35	seat	seat	NOUN
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cblr-1739	1181	37	.	.	PUNCT
cblr-1739	1182	1	but	but	CCONJ
cblr-1739	1182	2	cf	cf	X
cblr-1739	1182	3	.	.	PUNCT
cblr-1739	1183	1	mary	mary	PROPN
cblr-1739	1183	2	jane	jane	PROPN
cblr-1739	1183	3	credeur	credeur	PROPN
cblr-1739	1183	4	&	&	CCONJ
cblr-1739	1183	5	mary	mary	PROPN
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cblr-1739	1183	7	,	,	PUNCT
cblr-1739	1183	8	pay	pay	NOUN
cblr-1739	1183	9	-	-	PUNCT
cblr-1739	1183	10	by	by	ADP
cblr-1739	1183	11	-	-	PUNCT
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cblr-1739	1183	14	in	in	ADP
cblr-1739	1183	15	samoa	samoa	PROPN
cblr-1739	1183	16	seen	see	VERB
cblr-1739	1183	17	unlikely	unlikely	ADJ
cblr-1739	1183	18	to	to	PART
cblr-1739	1183	19	be	be	AUX
cblr-1739	1183	20	copied	copy	VERB
cblr-1739	1183	21	,	,	PUNCT
cblr-1739	1183	22	bloomberg	bloomberg	PROPN
cblr-1739	1183	23	(	(	PUNCT
cblr-1739	1183	24	apr	apr	PROPN
cblr-1739	1183	25	.	.	PROPN
cblr-1739	1183	26	3	3	NUM
cblr-1739	1183	27	,	,	PUNCT
cblr-1739	1183	28	2013	2013	NUM
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cblr-1739	1183	30	,	,	PUNCT
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cblr-1739	1184	1	[	[	X
cblr-1739	1184	2	http://perma.cc/d2ae-rg45	http://perma.cc/d2ae-rg45	X
cblr-1739	1184	3	]	]	X
cblr-1739	1184	4	;	;	PUNCT
cblr-1739	1184	5	mark	mark	PROPN
cblr-1739	1184	6	johanson	johanson	PROPN
cblr-1739	1184	7	,	,	PUNCT
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cblr-1739	1184	9	too	too	ADV
cblr-1739	1184	10	fat	fat	ADJ
cblr-1739	1184	11	to	to	PART
cblr-1739	1184	12	fly	fly	VERB
cblr-1739	1184	13	’	'	PUNCT
cblr-1739	1184	14	:	:	PUNCT
cblr-1739	1184	15	a	a	DET
cblr-1739	1184	16	look	look	NOUN
cblr-1739	1184	17	at	at	ADP
cblr-1739	1184	18	airline	airline	NOUN
cblr-1739	1184	19	policies	policy	NOUN
cblr-1739	1184	20	for	for	ADP
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cblr-1739	1184	22	customers	customer	NOUN
cblr-1739	1184	23	of	of	ADP
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cblr-1739	1184	25	,	,	PUNCT
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cblr-1739	1184	27	int’l	int’l	NUM
cblr-1739	1184	28	bus	bus	NOUN
cblr-1739	1184	29	.	.	PUNCT
cblr-1739	1185	1	times	times	PROPN
cblr-1739	1185	2	(	(	PUNCT
cblr-1739	1185	3	nov	nov	PROPN
cblr-1739	1185	4	.	.	PROPN
cblr-1739	1185	5	27	27	NUM
cblr-1739	1185	6	,	,	PUNCT
cblr-1739	1185	7	2012	2012	NUM
cblr-1739	1185	8	)	)	PUNCT
cblr-1739	1185	9	,	,	PUNCT
cblr-1739	1185	10	http://www.ibtimes.com/too-fat-fly-look-airline-policies-customers-size903686	http://www.ibtimes.com/too-fat-fly-look-airline-policies-customers-size903686	PROPN
cblr-1739	1186	1	[	[	X
cblr-1739	1186	2	http://perma.cc/w24w-ztpw	http://perma.cc/w24w-ztpw	PROPN
cblr-1739	1186	3	]	]	X
cblr-1739	1186	4	;	;	PUNCT
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cblr-1739	1186	6	l.	l.	PROPN
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cblr-1739	1186	8	,	,	PUNCT
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cblr-1739	1186	10	“	"	PUNCT
cblr-1739	1186	11	fit	fit	ADJ
cblr-1739	1186	12	”	"	PUNCT
cblr-1739	1186	13	for	for	ADP
cblr-1739	1186	14	geslevich	geslevich	NOUN
cblr-1739	1186	15	packin	packin	PROPN
cblr-1739	1186	16	&	&	CCONJ
cblr-1739	1186	17	lev	lev	PROPN
cblr-1739	1186	18	-	-	PUNCT
cblr-1739	1186	19	aretz	aretz	PROPN
cblr-1739	1186	20	–	–	PUNCT
cblr-1739	1186	21	final	final	ADJ
cblr-1739	1186	22	422	422	NUM
cblr-1739	1186	23	columbia	columbia	PROPN
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cblr-1739	1186	26	review	review	NOUN
cblr-1739	1187	1	[	[	X
cblr-1739	1187	2	vol	vol	NOUN
cblr-1739	1187	3	.	.	NOUN
cblr-1739	1187	4	2016	2016	NUM
cblr-1739	1187	5	the	the	DET
cblr-1739	1187	6	instances	instance	NOUN
cblr-1739	1187	7	mentioned	mention	VERB
cblr-1739	1187	8	,	,	PUNCT
cblr-1739	1187	9	have	have	AUX
cblr-1739	1187	10	thus	thus	ADV
cblr-1739	1187	11	far	far	ADV
cblr-1739	1187	12	not	not	PART
cblr-1739	1187	13	been	be	AUX
cblr-1739	1187	14	adopted	adopt	VERB
cblr-1739	1187	15	.	.	PUNCT
cblr-1739	1188	1	attempts	attempt	NOUN
cblr-1739	1188	2	to	to	PART
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cblr-1739	1188	10	have	have	AUX
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cblr-1739	1188	12	occurred	occur	VERB
cblr-1739	1188	13	and	and	CCONJ
cblr-1739	1188	14	failed	fail	VERB
cblr-1739	1188	15	in	in	ADP
cblr-1739	1188	16	other	other	ADJ
cblr-1739	1188	17	industries	industry	NOUN
cblr-1739	1188	18	.	.	PUNCT
cblr-1739	1189	1	in	in	ADP
cblr-1739	1189	2	2008	2008	NUM
cblr-1739	1189	3	,	,	PUNCT
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cblr-1739	1189	5	in	in	ADP
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cblr-1739	1189	7	,	,	PUNCT
cblr-1739	1189	8	attempting	attempt	VERB
cblr-1739	1189	9	to	to	PART
cblr-1739	1189	10	respond	respond	VERB
cblr-1739	1189	11	to	to	ADP
cblr-1739	1189	12	constantly	constantly	ADV
cblr-1739	1189	13	increasing	increase	VERB
cblr-1739	1189	14	numbers	number	NOUN
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cblr-1739	1189	17	classified	classify	VERB
cblr-1739	1189	18	as	as	ADP
cblr-1739	1189	19	overweight	overweight	ADJ
cblr-1739	1189	20	,	,	PUNCT
cblr-1739	1189	21	pushed	push	VERB
cblr-1739	1189	22	for	for	ADP
cblr-1739	1189	23	a	a	DET
cblr-1739	1189	24	bill	bill	NOUN
cblr-1739	1189	25	that	that	PRON
cblr-1739	1189	26	would	would	AUX
cblr-1739	1189	27	forbid	forbid	VERB
cblr-1739	1189	28	restaurants	restaurant	NOUN
cblr-1739	1189	29	from	from	ADP
cblr-1739	1189	30	serving	serve	VERB
cblr-1739	1189	31	food	food	NOUN
cblr-1739	1189	32	to	to	PART
cblr-1739	1189	33	overweight	overweight	VERB
cblr-1739	1189	34	individuals.310	individuals.310	ADV
cblr-1739	1189	35	the	the	DET
cblr-1739	1189	36	public	public	NOUN
cblr-1739	1189	37	instantly	instantly	ADV
cblr-1739	1189	38	recognized	recognize	VERB
cblr-1739	1189	39	the	the	DET
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cblr-1739	1189	41	impact	impact	NOUN
cblr-1739	1189	42	of	of	ADP
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cblr-1739	1189	45	and	and	CCONJ
cblr-1739	1189	46	the	the	DET
cblr-1739	1189	47	proposal	proposal	NOUN
cblr-1739	1189	48	never	never	ADV
cblr-1739	1189	49	made	make	VERB
cblr-1739	1189	50	it	it	PRON
cblr-1739	1189	51	beyond	beyond	ADP
cblr-1739	1189	52	the	the	DET
cblr-1739	1189	53	subcommittee	subcommittee	NOUN
cblr-1739	1189	54	level.311	level.311	VERB
cblr-1739	1189	55	another	another	DET
cblr-1739	1189	56	example	example	NOUN
cblr-1739	1189	57	of	of	ADP
cblr-1739	1189	58	a	a	DET
cblr-1739	1189	59	rejected	reject	VERB
cblr-1739	1189	60	financially	financially	ADV
cblr-1739	1189	61	sound	sound	ADJ
cblr-1739	1189	62	policy	policy	NOUN
cblr-1739	1189	63	is	be	AUX
cblr-1739	1189	64	the	the	DET
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cblr-1739	1189	66	of	of	ADP
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cblr-1739	1189	68	information	information	NOUN
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cblr-1739	1189	72	for	for	ADP
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cblr-1739	1189	75	.	.	PUNCT
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cblr-1739	1190	14	and	and	CCONJ
cblr-1739	1190	15	france	france	PROPN
cblr-1739	1190	16	on	on	ADP
cblr-1739	1190	17	weight	weight	NOUN
cblr-1739	1190	18	discrimination	discrimination	NOUN
cblr-1739	1190	19	in	in	ADP
cblr-1739	1190	20	employment	employment	NOUN
cblr-1739	1190	21	,	,	PUNCT
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cblr-1739	1190	28	,	,	PUNCT
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cblr-1739	1190	30	(	(	PUNCT
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cblr-1739	1190	32	)	)	PUNCT
cblr-1739	1190	33	.	.	PUNCT
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cblr-1739	1191	3	h.b	h.b	PROPN
cblr-1739	1191	4	.	.	PROPN
cblr-1739	1191	5	282	282	NUM
cblr-1739	1191	6	,	,	PUNCT
cblr-1739	1191	7	2008	2008	NUM
cblr-1739	1191	8	leg	leg	NOUN
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cblr-1739	1191	12	.	.	PUNCT
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cblr-1739	1192	1	(	(	PUNCT
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cblr-1739	1192	7	http://billstatus	http://billstatus	PROPN
cblr-1739	1192	8	.	.	PUNCT
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cblr-1739	1193	2	http://	http://	PROPN
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cblr-1739	1193	22	to	to	ADP
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cblr-1739	1193	28	.	.	PUNCT
cblr-1739	1193	29	.	.	PUNCT
cblr-1739	1193	30	.	.	PUNCT
cblr-1739	1194	1	.	.	PUNCT
cblr-1739	1194	2	”	"	PUNCT
cblr-1739	1194	3	)	)	PUNCT
cblr-1739	1194	4	;	;	PUNCT
cblr-1739	1194	5	miss	miss	VERB
cblr-1739	1194	6	.	.	PUNCT
cblr-1739	1195	1	considers	consider	VERB
cblr-1739	1195	2	restaurant	restaurant	NOUN
cblr-1739	1195	3	ban	ban	NOUN
cblr-1739	1195	4	for	for	ADP
cblr-1739	1195	5	obese	obese	NOUN
cblr-1739	1196	1	,	,	PUNCT
cblr-1739	1196	2	cbs	cbs	PROPN
cblr-1739	1196	3	news	news	PROPN
cblr-1739	1196	4	(	(	PUNCT
cblr-1739	1196	5	feb	feb	PROPN
cblr-1739	1196	6	.	.	PROPN
cblr-1739	1196	7	5	5	NUM
cblr-1739	1196	8	,	,	PUNCT
cblr-1739	1196	9	2008	2008	NUM
cblr-1739	1196	10	)	)	PUNCT
cblr-1739	1196	11	,	,	PUNCT
cblr-1739	1196	12	http://www.cbsnews.com/news/miss-considers-restaurant-ban-for-obese/	http://www.cbsnews.com/news/miss-considers-restaurant-ban-for-obese/	NOUN
cblr-1739	1197	1	[	[	X
cblr-1739	1197	2	http://perma.cc/wte4-286	http://perma.cc/wte4-286	PROPN
cblr-1739	1197	3	g	g	NOUN
cblr-1739	1197	4	]	]	X
cblr-1739	1197	5	(	(	PUNCT
cblr-1739	1197	6	discussing	discuss	VERB
cblr-1739	1197	7	how	how	SCONJ
cblr-1739	1197	8	the	the	DET
cblr-1739	1197	9	proposal	proposal	NOUN
cblr-1739	1197	10	’s	’s	PART
cblr-1739	1197	11	drafters	drafter	NOUN
cblr-1739	1197	12	hoped	hope	VERB
cblr-1739	1197	13	to	to	PART
cblr-1739	1197	14	deal	deal	VERB
cblr-1739	1197	15	with	with	ADP
cblr-1739	1197	16	obesity	obesity	NOUN
cblr-1739	1197	17	,	,	PUNCT
cblr-1739	1197	18	which	which	PRON
cblr-1739	1197	19	is	be	AUX
cblr-1739	1197	20	the	the	DET
cblr-1739	1197	21	state	state	NOUN
cblr-1739	1197	22	’s	’s	PART
cblr-1739	1197	23	main	main	ADJ
cblr-1739	1197	24	problem	problem	NOUN
cblr-1739	1197	25	)	)	PUNCT
cblr-1739	1197	26	;	;	PUNCT
cblr-1739	1197	27	tom	tom	PROPN
cblr-1739	1197	28	leonard	leonard	PROPN
cblr-1739	1197	29	,	,	PUNCT
cblr-1739	1197	30	ban	ban	VERB
cblr-1739	1197	31	restaurants	restaurant	NOUN
cblr-1739	1197	32	from	from	ADP
cblr-1739	1197	33	serving	serve	VERB
cblr-1739	1197	34	obese	obese	ADJ
cblr-1739	1197	35	people	people	NOUN
cblr-1739	1197	36	,	,	PUNCT
cblr-1739	1197	37	telegraph	telegraph	NOUN
cblr-1739	1197	38	(	(	PUNCT
cblr-1739	1197	39	london	london	PROPN
cblr-1739	1197	40	)	)	PUNCT
cblr-1739	1197	41	(	(	PUNCT
cblr-1739	1197	42	feb	feb	X
cblr-1739	1197	43	.	.	PROPN
cblr-1739	1197	44	3	3	NUM
cblr-1739	1197	45	,	,	PUNCT
cblr-1739	1197	46	2008	2008	NUM
cblr-1739	1197	47	)	)	PUNCT
cblr-1739	1197	48	,	,	PUNCT
cblr-1739	1197	49	http://www.telegraph.co.uk/news/worldnews/1577	http://www.telegraph.co.uk/news/worldnews/1577	PROPN
cblr-1739	1197	50	463	463	NUM
cblr-1739	1197	51	/	/	SYM
cblr-1739	1197	52	ban	ban	NOUN
cblr-1739	1197	53	-	-	PUNCT
cblr-1739	1197	54	restaurants	restaurant	NOUN
cblr-1739	1197	55	-	-	PUNCT
cblr-1739	1197	56	from	from	ADP
cblr-1739	1197	57	-	-	PUNCT
cblr-1739	1197	58	serving	serve	VERB
cblr-1739	1197	59	-	-	PUNCT
cblr-1739	1197	60	obese	obese	NOUN
cblr-1739	1197	61	-	-	PUNCT
cblr-1739	1197	62	people.html	people.html	NOUN
cblr-1739	1198	1	[	[	X
cblr-1739	1198	2	http://perma.cc/	http://perma.cc/	PROPN
cblr-1739	1198	3	guj4	guj4	NOUN
cblr-1739	1198	4	-	-	PUNCT
cblr-1739	1198	5	48q9	48q9	NUM
cblr-1739	1198	6	]	]	PUNCT
cblr-1739	1198	7	(	(	PUNCT
cblr-1739	1198	8	explaining	explain	VERB
cblr-1739	1198	9	that	that	SCONJ
cblr-1739	1198	10	mississippi	mississippi	PROPN
cblr-1739	1198	11	’s	’s	PART
cblr-1739	1198	12	population	population	NOUN
cblr-1739	1198	13	is	be	AUX
cblr-1739	1198	14	the	the	DET
cblr-1739	1198	15	heaviest	heavy	ADJ
cblr-1739	1198	16	in	in	ADP
cblr-1739	1198	17	america	america	PROPN
cblr-1739	1198	18	)	)	PUNCT
cblr-1739	1198	19	.	.	PUNCT
cblr-1739	1199	1	311	311	NUM
cblr-1739	1199	2	see	see	VERB
cblr-1739	1199	3	peggy	peggy	PROPN
cblr-1739	1199	4	elam	elam	PROPN
cblr-1739	1199	5	,	,	PUNCT
cblr-1739	1199	6	mississippi	mississippi	PROPN
cblr-1739	1199	7	“	"	PUNCT
cblr-1739	1199	8	obesity	obesity	NOUN
cblr-1739	1199	9	”	"	PUNCT
cblr-1739	1199	10	bill	bill	NOUN
cblr-1739	1199	11	to	to	PART
cblr-1739	1199	12	be	be	AUX
cblr-1739	1199	13	killed	kill	VERB
cblr-1739	1199	14	in	in	ADP
cblr-1739	1199	15	subcommittee	subcommittee	NOUN
cblr-1739	1199	16	,	,	PUNCT
cblr-1739	1199	17	on	on	ADP
cblr-1739	1199	18	the	the	DET
cblr-1739	1199	19	whole	whole	ADJ
cblr-1739	1199	20	blog	blog	NOUN
cblr-1739	1199	21	(	(	PUNCT
cblr-1739	1199	22	feb	feb	PROPN
cblr-1739	1199	23	.	.	PROPN
cblr-1739	1199	24	4	4	NUM
cblr-1739	1199	25	,	,	PUNCT
cblr-1739	1199	26	2008	2008	NUM
cblr-1739	1199	27	)	)	PUNCT
cblr-1739	1199	28	,	,	PUNCT
cblr-1739	1199	29	http://	http://	PROPN
cblr-1739	1199	30	www.onthewhole.info/2008/02/mississippiobe.html	www.onthewhole.info/2008/02/mississippiobe.html	PROPN
cblr-1739	1199	31	[	[	X
cblr-1739	1199	32	http://perma.cc/zt4z5m4z	http://perma.cc/zt4z5m4z	X
cblr-1739	1199	33	]	]	X
cblr-1739	1199	34	(	(	PUNCT
cblr-1739	1199	35	stating	state	VERB
cblr-1739	1199	36	that	that	SCONJ
cblr-1739	1199	37	the	the	DET
cblr-1739	1199	38	bill	bill	NOUN
cblr-1739	1199	39	would	would	AUX
cblr-1739	1199	40	be	be	AUX
cblr-1739	1199	41	vetoed	veto	VERB
cblr-1739	1199	42	when	when	SCONJ
cblr-1739	1199	43	it	it	PRON
cblr-1739	1199	44	reached	reach	VERB
cblr-1739	1199	45	assigned	assign	VERB
cblr-1739	1199	46	subcommittee	subcommittee	NOUN
cblr-1739	1199	47	)	)	PUNCT
cblr-1739	1199	48	;	;	PUNCT
cblr-1739	1199	49	oac	oac	NOUN
cblr-1739	1199	50	and	and	CCONJ
cblr-1739	1199	51	patients	patient	NOUN
cblr-1739	1199	52	bring	bring	VERB
cblr-1739	1199	53	national	national	ADJ
cblr-1739	1199	54	attention	attention	NOUN
cblr-1739	1199	55	to	to	ADP
cblr-1739	1199	56	discriminatory	discriminatory	ADJ
cblr-1739	1199	57	mississippi	mississippi	PROPN
cblr-1739	1199	58	house	house	PROPN
cblr-1739	1199	59	bill	bill	PROPN
cblr-1739	1199	60	282	282	NUM
cblr-1739	1199	61	,	,	PUNCT
cblr-1739	1199	62	obesity	obesity	NOUN
cblr-1739	1199	63	action	action	NOUN
cblr-1739	1199	64	center	center	NOUN
cblr-1739	1199	65	,	,	PUNCT
cblr-1739	1199	66	http://www.obesityaction.org/wp-content/uploads/advocacy-ms.pdf	http://www.obesityaction.org/wp-content/uploads/advocacy-ms.pdf	NOUN
cblr-1739	1199	67	[	[	X
cblr-1739	1199	68	http://perma.cc/9t6w-9ytv	http://perma.cc/9t6w-9ytv	X
cblr-1739	1199	69	]	]	X
cblr-1739	1199	70	(	(	PUNCT
cblr-1739	1199	71	shedding	shed	VERB
cblr-1739	1199	72	light	light	NOUN
cblr-1739	1199	73	on	on	ADP
cblr-1739	1199	74	the	the	DET
cblr-1739	1199	75	biased	biased	ADJ
cblr-1739	1199	76	impact	impact	NOUN
cblr-1739	1199	77	of	of	ADP
cblr-1739	1199	78	the	the	DET
cblr-1739	1199	79	proposal	proposal	NOUN
cblr-1739	1199	80	)	)	PUNCT
cblr-1739	1199	81	;	;	PUNCT
cblr-1739	1199	82	obesity	obesity	NOUN
cblr-1739	1199	83	bill	bill	NOUN
cblr-1739	1199	84	wo	will	AUX
cblr-1739	1199	85	n’t	not	PART
cblr-1739	1199	86	make	make	VERB
cblr-1739	1199	87	it	it	PRON
cblr-1739	1199	88	to	to	ADP
cblr-1739	1199	89	floor	floor	NOUN
cblr-1739	1199	90	,	,	PUNCT
cblr-1739	1199	91	clarion	clarion	NOUN
cblr-1739	1199	92	-	-	PUNCT
cblr-1739	1199	93	ledger	ledger	NOUN
cblr-1739	1199	94	(	(	PUNCT
cblr-1739	1199	95	jackson	jackson	PROPN
cblr-1739	1199	96	,	,	PUNCT
cblr-1739	1199	97	miss	miss	PROPN
cblr-1739	1199	98	.	.	PUNCT
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cblr-1739	1200	1	(	(	PUNCT
cblr-1739	1200	2	feb	feb	X
cblr-1739	1200	3	.	.	PROPN
cblr-1739	1200	4	5	5	NUM
cblr-1739	1200	5	,	,	PUNCT
cblr-1739	1200	6	2008	2008	NUM
cblr-1739	1200	7	)	)	PUNCT
cblr-1739	1200	8	,	,	PUNCT
cblr-1739	1200	9	http://archive.clarionledger.com/article/20080205/	http://archive.clarionledger.com/article/20080205/	PROPN
cblr-1739	1200	10	news010504/802050377	news010504/802050377	NOUN
cblr-1739	1200	11	/	/	SYM
cblr-1739	1200	12	lawmaker	lawmaker	NOUN
cblr-1739	1200	13	-	-	PUNCT
cblr-1739	1200	14	obesity	obesity	NOUN
cblr-1739	1200	15	-	-	PUNCT
cblr-1739	1200	16	bill	bill	NOUN
cblr-1739	1200	17	-	-	PUNCT
cblr-1739	1200	18	won	win	VERB
cblr-1739	1200	19	-	-	PUNCT
cblr-1739	1200	20	t	t	NOUN
cblr-1739	1200	21	-	-	PUNCT
cblr-1739	1200	22	make	make	NOUN
cblr-1739	1200	23	-	-	PUNCT
cblr-1739	1200	24	floor	floor	NOUN
cblr-1739	1200	25	[	[	X
cblr-1739	1200	26	http://perma.cc/lh2n-aqs7	http://perma.cc/lh2n-aqs7	X
cblr-1739	1200	27	]	]	X
cblr-1739	1200	28	(	(	PUNCT
cblr-1739	1200	29	interviewing	interview	VERB
cblr-1739	1200	30	a	a	DET
cblr-1739	1200	31	member	member	NOUN
cblr-1739	1200	32	of	of	ADP
cblr-1739	1200	33	the	the	DET
cblr-1739	1200	34	legislature	legislature	NOUN
cblr-1739	1200	35	who	who	PRON
cblr-1739	1200	36	said	say	VERB
cblr-1739	1200	37	the	the	DET
cblr-1739	1200	38	proposal	proposal	NOUN
cblr-1739	1200	39	would	would	AUX
cblr-1739	1200	40	be	be	AUX
cblr-1739	1200	41	“	"	PUNCT
cblr-1739	1200	42	dead	dead	ADJ
cblr-1739	1200	43	on	on	ADP
cblr-1739	1200	44	arrival	arrival	NOUN
cblr-1739	1200	45	at	at	ADP
cblr-1739	1200	46	my	my	PRON
cblr-1739	1200	47	desk	desk	NOUN
cblr-1739	1200	48	”	"	PUNCT
cblr-1739	1200	49	)	)	PUNCT
cblr-1739	1200	50	.	.	PUNCT
cblr-1739	1201	1	312	312	NUM
cblr-1739	1201	2	15	15	NUM
cblr-1739	1201	3	u.s.c	u.s.c	NOUN
cblr-1739	1201	4	.	.	PUNCT
cblr-1739	1202	1	§	§	PROPN
cblr-1739	1202	2	§	§	PROPN
cblr-1739	1202	3	1681–1681x	1681–1681x	NUM
cblr-1739	1202	4	(	(	PUNCT
cblr-1739	1202	5	2012	2012	NUM
cblr-1739	1202	6	)	)	PUNCT
cblr-1739	1202	7	.	.	PUNCT
cblr-1739	1203	1	see	see	VERB
cblr-1739	1203	2	generally	generally	ADV
cblr-1739	1203	3	stephen	stephen	PROPN
cblr-1739	1203	4	gardner	gardner	PROPN
cblr-1739	1203	5	,	,	PUNCT
cblr-1739	1203	6	credit	credit	NOUN
cblr-1739	1203	7	reports	report	NOUN
cblr-1739	1203	8	;	;	PUNCT
cblr-1739	1203	9	basic	basic	ADJ
cblr-1739	1203	10	rights	right	NOUN
cblr-1739	1203	11	and	and	CCONJ
cblr-1739	1203	12	responsibilities	responsibility	NOUN
cblr-1739	1203	13	of	of	ADP
cblr-1739	1203	14	creditors	creditor	NOUN
cblr-1739	1203	15	and	and	CCONJ
cblr-1739	1203	16	consumers	consumer	NOUN
cblr-1739	1203	17	,	,	PUNCT
cblr-1739	1203	18	59	59	NUM
cblr-1739	1203	19	consumer	consumer	NOUN
cblr-1739	1203	20	fin	fin	NOUN
cblr-1739	1203	21	.	.	PUNCT
cblr-1739	1204	1	l.q	l.q	PROPN
cblr-1739	1204	2	.	.	PROPN
cblr-1739	1204	3	rep	rep	PROPN
cblr-1739	1204	4	.	.	PROPN
cblr-1739	1204	5	248	248	NUM
cblr-1739	1204	6	(	(	PUNCT
cblr-1739	1204	7	2005	2005	NUM
cblr-1739	1204	8	)	)	PUNCT
cblr-1739	1204	9	.	.	PUNCT
cblr-1739	1205	1	geslevich	geslevich	PROPN
cblr-1739	1205	2	packin	packin	PROPN
cblr-1739	1205	3	&	&	CCONJ
cblr-1739	1205	4	lev	lev	PROPN
cblr-1739	1205	5	-	-	PUNCT
cblr-1739	1205	6	aretz	aretz	PROPN
cblr-1739	1205	7	–	–	PUNCT
cblr-1739	1205	8	final	final	ADJ
cblr-1739	1205	9	no	no	NOUN
cblr-1739	1205	10	.	.	PUNCT
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cblr-1739	1206	3	on	on	ADP
cblr-1739	1206	4	social	social	ADJ
cblr-1739	1206	5	credit	credit	NOUN
cblr-1739	1206	6	423	423	NUM
cblr-1739	1206	7	the	the	DET
cblr-1739	1206	8	facta,313	facta,313	PROPN
cblr-1739	1206	9	impedes	impede	VERB
cblr-1739	1206	10	the	the	DET
cblr-1739	1206	11	capability	capability	NOUN
cblr-1739	1206	12	of	of	ADP
cblr-1739	1206	13	creditors	creditor	NOUN
cblr-1739	1206	14	to	to	PART
cblr-1739	1206	15	acquire	acquire	VERB
cblr-1739	1206	16	and	and	CCONJ
cblr-1739	1206	17	use	use	VERB
cblr-1739	1206	18	consumers	consumer	NOUN
cblr-1739	1206	19	’	’	PART
cblr-1739	1206	20	medical	medical	ADJ
cblr-1739	1206	21	information	information	NOUN
cblr-1739	1206	22	in	in	ADP
cblr-1739	1206	23	the	the	DET
cblr-1739	1206	24	context	context	NOUN
cblr-1739	1206	25	of	of	ADP
cblr-1739	1206	26	determining	determine	VERB
cblr-1739	1206	27	the	the	DET
cblr-1739	1206	28	consumers	consumer	NOUN
cblr-1739	1206	29	’	’	PART
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cblr-1739	1206	32	,	,	PUNCT
cblr-1739	1206	33	as	as	ADV
cblr-1739	1206	34	well	well	ADV
cblr-1739	1206	35	as	as	ADP
cblr-1739	1206	36	to	to	PART
cblr-1739	1206	37	share	share	VERB
cblr-1739	1206	38	medical	medical	ADJ
cblr-1739	1206	39	information	information	NOUN
cblr-1739	1206	40	with	with	ADP
cblr-1739	1206	41	affiliates.314	affiliates.314	NOUN
cblr-1739	1206	42	based	base	VERB
cblr-1739	1206	43	on	on	ADP
cblr-1739	1206	44	the	the	DET
cblr-1739	1206	45	facta	facta	NOUN
cblr-1739	1206	46	,	,	PUNCT
cblr-1739	1206	47	the	the	DET
cblr-1739	1206	48	government	government	NOUN
cblr-1739	1206	49	regulatory	regulatory	ADJ
cblr-1739	1206	50	agencies	agency	NOUN
cblr-1739	1206	51	created	create	VERB
cblr-1739	1206	52	exceptions	exception	NOUN
cblr-1739	1206	53	to	to	ADP
cblr-1739	1206	54	these	these	DET
cblr-1739	1206	55	restrictions	restriction	NOUN
cblr-1739	1206	56	that	that	PRON
cblr-1739	1206	57	permit	permit	VERB
cblr-1739	1206	58	the	the	DET
cblr-1739	1206	59	use	use	NOUN
cblr-1739	1206	60	of	of	ADP
cblr-1739	1206	61	medical	medical	ADJ
cblr-1739	1206	62	information	information	NOUN
cblr-1739	1206	63	,	,	PUNCT
cblr-1739	1206	64	but	but	CCONJ
cblr-1739	1206	65	only	only	ADV
cblr-1739	1206	66	in	in	ADP
cblr-1739	1206	67	specific	specific	ADJ
cblr-1739	1206	68	situations.315	situations.315	PROPN
cblr-1739	1206	69	these	these	DET
cblr-1739	1206	70	exceptions	exception	NOUN
cblr-1739	1206	71	are	be	AUX
cblr-1739	1206	72	unique	unique	ADJ
cblr-1739	1206	73	and	and	CCONJ
cblr-1739	1206	74	narrow	narrow	ADJ
cblr-1739	1206	75	despite	despite	SCONJ
cblr-1739	1206	76	the	the	DET
cblr-1739	1206	77	fact	fact	NOUN
cblr-1739	1206	78	that	that	SCONJ
cblr-1739	1206	79	noting	note	VERB
cblr-1739	1206	80	if	if	SCONJ
cblr-1739	1206	81	and	and	CCONJ
cblr-1739	1206	82	when	when	SCONJ
cblr-1739	1206	83	,	,	PUNCT
cblr-1739	1206	84	for	for	ADP
cblr-1739	1206	85	example	example	NOUN
cblr-1739	1206	86	,	,	PUNCT
cblr-1739	1206	87	a	a	DET
cblr-1739	1206	88	consumer	consumer	NOUN
cblr-1739	1206	89	is	be	AUX
cblr-1739	1206	90	terminally	terminally	ADV
cblr-1739	1206	91	ill	ill	ADJ
cblr-1739	1206	92	and	and	CCONJ
cblr-1739	1206	93	factoring	factor	VERB
cblr-1739	1206	94	that	that	DET
cblr-1739	1206	95	information	information	NOUN
cblr-1739	1206	96	into	into	ADP
cblr-1739	1206	97	the	the	DET
cblr-1739	1206	98	individual	individual	NOUN
cblr-1739	1206	99	’s	’s	PART
cblr-1739	1206	100	credit	credit	NOUN
cblr-1739	1206	101	score	score	NOUN
cblr-1739	1206	102	makes	make	VERB
cblr-1739	1206	103	perfect	perfect	ADJ
cblr-1739	1206	104	financial	financial	ADJ
cblr-1739	1206	105	sense	sense	NOUN
cblr-1739	1206	106	.	.	PUNCT
cblr-1739	1207	1	similarly	similarly	ADV
cblr-1739	1207	2	,	,	PUNCT
cblr-1739	1207	3	acknowledging	acknowledge	VERB
cblr-1739	1207	4	the	the	DET
cblr-1739	1207	5	uniqueness	uniqueness	NOUN
cblr-1739	1207	6	of	of	ADP
cblr-1739	1207	7	the	the	DET
cblr-1739	1207	8	medical	medical	ADJ
cblr-1739	1207	9	context	context	NOUN
cblr-1739	1207	10	,	,	PUNCT
cblr-1739	1207	11	fico	fico	PROPN
cblr-1739	1207	12	amended	amend	VERB
cblr-1739	1207	13	its	its	PRON
cblr-1739	1207	14	approach	approach	NOUN
cblr-1739	1207	15	to	to	ADP
cblr-1739	1207	16	factoring	factor	VERB
cblr-1739	1207	17	in	in	ADP
cblr-1739	1207	18	medical	medical	ADJ
cblr-1739	1207	19	billing	billing	NOUN
cblr-1739	1207	20	information	information	NOUN
cblr-1739	1207	21	in	in	ADP
cblr-1739	1207	22	creditworthiness	creditworthiness	PROPN
cblr-1739	1207	23	calculations	calculation	NOUN
cblr-1739	1207	24	.	.	PUNCT
cblr-1739	1208	1	despite	despite	SCONJ
cblr-1739	1208	2	the	the	DET
cblr-1739	1208	3	clear	clear	ADJ
cblr-1739	1208	4	difference	difference	NOUN
cblr-1739	1208	5	between	between	ADP
cblr-1739	1208	6	medical	medical	ADJ
cblr-1739	1208	7	billing	billing	NOUN
cblr-1739	1208	8	information	information	NOUN
cblr-1739	1208	9	and	and	CCONJ
cblr-1739	1208	10	medical	medical	ADJ
cblr-1739	1208	11	information	information	NOUN
cblr-1739	1208	12	,	,	PUNCT
cblr-1739	1208	13	fico	fico	PROPN
cblr-1739	1208	14	has	have	AUX
cblr-1739	1208	15	announced	announce	VERB
cblr-1739	1208	16	in	in	ADP
cblr-1739	1208	17	2014	2014	NUM
cblr-1739	1208	18	that	that	SCONJ
cblr-1739	1208	19	its	its	PRON
cblr-1739	1208	20	upcoming	upcoming	ADJ
cblr-1739	1208	21	scoring	scoring	NOUN
cblr-1739	1208	22	model	model	NOUN
cblr-1739	1208	23	,	,	PUNCT
cblr-1739	1208	24	fico	fico	PROPN
cblr-1739	1208	25	9	9	NUM
cblr-1739	1208	26	,	,	PUNCT
cblr-1739	1208	27	will	will	AUX
cblr-1739	1208	28	weigh	weigh	VERB
cblr-1739	1208	29	medical	medical	ADJ
cblr-1739	1208	30	bills	bill	NOUN
cblr-1739	1208	31	in	in	ADP
cblr-1739	1208	32	collections	collection	NOUN
cblr-1739	1208	33	less	less	ADV
cblr-1739	1208	34	heavily	heavily	ADV
cblr-1739	1208	35	than	than	ADP
cblr-1739	1208	36	other	other	ADJ
cblr-1739	1208	37	types	type	NOUN
cblr-1739	1208	38	of	of	ADP
cblr-1739	1208	39	unpaid	unpaid	ADJ
cblr-1739	1208	40	accounts.316	accounts.316	VERB
cblr-1739	1208	41	along	along	ADP
cblr-1739	1208	42	similar	similar	ADJ
cblr-1739	1208	43	lines	line	NOUN
cblr-1739	1208	44	,	,	PUNCT
cblr-1739	1208	45	even	even	ADV
cblr-1739	1208	46	though	though	SCONJ
cblr-1739	1208	47	genetic	genetic	ADJ
cblr-1739	1208	48	information	information	NOUN
cblr-1739	1208	49	is	be	AUX
cblr-1739	1208	50	vital	vital	ADJ
cblr-1739	1208	51	in	in	ADP
cblr-1739	1208	52	evaluating	evaluate	VERB
cblr-1739	1208	53	one	one	NUM
cblr-1739	1208	54	’s	’s	PART
cblr-1739	1208	55	health	health	NOUN
cblr-1739	1208	56	condition	condition	NOUN
cblr-1739	1208	57	and	and	CCONJ
cblr-1739	1208	58	prospects	prospect	NOUN
cblr-1739	1208	59	for	for	ADP
cblr-1739	1208	60	sickness	sickness	NOUN
cblr-1739	1208	61	in	in	ADP
cblr-1739	1208	62	the	the	DET
cblr-1739	1208	63	future	future	NOUN
cblr-1739	1208	64	,	,	PUNCT
cblr-1739	1208	65	the	the	DET
cblr-1739	1208	66	inclusion	inclusion	NOUN
cblr-1739	1208	67	of	of	ADP
cblr-1739	1208	68	such	such	ADJ
cblr-1739	1208	69	information	information	NOUN
cblr-1739	1208	70	in	in	ADP
cblr-1739	1208	71	coverage	coverage	NOUN
cblr-1739	1208	72	decisions	decision	NOUN
cblr-1739	1208	73	is	be	AUX
cblr-1739	1208	74	strictly	strictly	ADV
cblr-1739	1208	75	prohibited	prohibit	VERB
cblr-1739	1208	76	.	.	PUNCT
cblr-1739	1209	1	the	the	DET
cblr-1739	1209	2	2008	2008	NUM
cblr-1739	1209	3	genetic	genetic	ADJ
cblr-1739	1209	4	information	information	NOUN
cblr-1739	1209	5	nondiscrimination	nondiscrimination	PROPN
cblr-1739	1209	6	act	act	NOUN
cblr-1739	1209	7	(	(	PUNCT
cblr-1739	1209	8	“	"	PUNCT
cblr-1739	1209	9	gina	gina	PROPN
cblr-1739	1209	10	”	"	PUNCT
cblr-1739	1209	11	)	)	PUNCT
cblr-1739	1209	12	provides	provide	VERB
cblr-1739	1209	13	strong	strong	ADJ
cblr-1739	1209	14	313	313	NUM
cblr-1739	1209	15	h.r	h.r	PROPN
cblr-1739	1209	16	.	.	PROPN
cblr-1739	1209	17	2622	2622	NUM
cblr-1739	1209	18	,	,	PUNCT
cblr-1739	1209	19	108	108	NUM
cblr-1739	1209	20	pub	pub	NOUN
cblr-1739	1209	21	.	.	PUNCT
cblr-1739	1210	1	l.	l.	PROPN
cblr-1739	1210	2	no	no	INTJ
cblr-1739	1210	3	.	.	PROPN
cblr-1739	1211	1	159	159	NUM
cblr-1739	1211	2	(	(	PUNCT
cblr-1739	1211	3	dec	dec	PROPN
cblr-1739	1211	4	.	.	PROPN
cblr-1739	1211	5	4	4	NUM
cblr-1739	1211	6	,	,	PUNCT
cblr-1739	1211	7	2003	2003	NUM
cblr-1739	1211	8	)	)	PUNCT
cblr-1739	1211	9	.	.	PUNCT
cblr-1739	1212	1	see	see	VERB
cblr-1739	1212	2	lawrence	lawrence	PROPN
cblr-1739	1212	3	a.	a.	PROPN
cblr-1739	1212	4	young	young	PROPN
cblr-1739	1212	5	and	and	CCONJ
cblr-1739	1212	6	patrick	patrick	PROPN
cblr-1739	1212	7	mccarren	mccarren	PROPN
cblr-1739	1212	8	,	,	PUNCT
cblr-1739	1212	9	just	just	ADV
cblr-1739	1212	10	the	the	DET
cblr-1739	1212	11	fact(s	fact(s	PROPN
cblr-1739	1212	12	)	)	PUNCT
cblr-1739	1212	13	,	,	PUNCT
cblr-1739	1212	14	ma’am	ma’am	PROPN
cblr-1739	1212	15	—	—	PUNCT
cblr-1739	1212	16	a	a	DET
cblr-1739	1212	17	roadmap	roadmap	NOUN
cblr-1739	1212	18	to	to	ADP
cblr-1739	1212	19	the	the	DET
cblr-1739	1212	20	fact	fact	NOUN
cblr-1739	1212	21	act	act	NOUN
cblr-1739	1212	22	,	,	PUNCT
cblr-1739	1212	23	59	59	NUM
cblr-1739	1212	24	consumer	consumer	NOUN
cblr-1739	1212	25	fin	fin	NOUN
cblr-1739	1212	26	.	.	PUNCT
cblr-1739	1213	1	l.q	l.q	PROPN
cblr-1739	1213	2	.	.	PROPN
cblr-1739	1213	3	rep	rep	PROPN
cblr-1739	1213	4	.	.	PROPN
cblr-1739	1213	5	239	239	NUM
cblr-1739	1213	6	(	(	PUNCT
cblr-1739	1213	7	2005	2005	NUM
cblr-1739	1213	8	)	)	PUNCT
cblr-1739	1213	9	.	.	PUNCT
cblr-1739	1214	1	314	314	NUM
cblr-1739	1214	2	see	see	VERB
cblr-1739	1214	3	generally	generally	ADV
cblr-1739	1214	4	laura	laura	PROPN
cblr-1739	1214	5	hobson	hobson	PROPN
cblr-1739	1214	6	brown	brown	PROPN
cblr-1739	1214	7	,	,	PUNCT
cblr-1739	1214	8	final	final	ADJ
cblr-1739	1214	9	rule	rule	NOUN
cblr-1739	1214	10	:	:	PUNCT
cblr-1739	1214	11	using	use	VERB
cblr-1739	1214	12	medical	medical	ADJ
cblr-1739	1214	13	information	information	NOUN
cblr-1739	1214	14	in	in	ADP
cblr-1739	1214	15	determining	determine	VERB
cblr-1739	1214	16	creditworthiness	creditworthiness	NOUN
cblr-1739	1214	17	,	,	PUNCT
cblr-1739	1214	18	60	60	NUM
cblr-1739	1214	19	consumer	consumer	NOUN
cblr-1739	1214	20	fin	fin	NOUN
cblr-1739	1214	21	.	.	PUNCT
cblr-1739	1215	1	l.q	l.q	PROPN
cblr-1739	1215	2	.	.	PROPN
cblr-1739	1215	3	rep	rep	PROPN
cblr-1739	1215	4	.	.	PROPN
cblr-1739	1215	5	664	664	NUM
cblr-1739	1215	6	(	(	PUNCT
cblr-1739	1215	7	2006	2006	NUM
cblr-1739	1215	8	)	)	PUNCT
cblr-1739	1215	9	.	.	PUNCT
cblr-1739	1216	1	315	315	NUM
cblr-1739	1216	2	i	i	PRON
cblr-1739	1216	3	d.	d.	PROPN
cblr-1739	1216	4	316	316	NUM
cblr-1739	1216	5	see	see	VERB
cblr-1739	1216	6	nick	nick	PROPN
cblr-1739	1216	7	clements	clements	PROPN
cblr-1739	1216	8	,	,	PUNCT
cblr-1739	1216	9	5	5	NUM
cblr-1739	1216	10	reasons	reason	NOUN
cblr-1739	1216	11	new	new	ADJ
cblr-1739	1216	12	lenders	lender	NOUN
cblr-1739	1216	13	are	be	AUX
cblr-1739	1216	14	ignoring	ignore	VERB
cblr-1739	1216	15	fico	fico	NOUN
cblr-1739	1216	16	credit	credit	NOUN
cblr-1739	1216	17	scores	score	NOUN
cblr-1739	1216	18	,	,	PUNCT
cblr-1739	1216	19	forbes	forbes	X
cblr-1739	1216	20	(	(	PUNCT
cblr-1739	1216	21	apr	apr	PROPN
cblr-1739	1216	22	.	.	PROPN
cblr-1739	1216	23	21	21	NUM
cblr-1739	1216	24	,	,	PUNCT
cblr-1739	1216	25	2015	2015	NUM
cblr-1739	1216	26	)	)	PUNCT
cblr-1739	1216	27	,	,	PUNCT
cblr-1739	1216	28	http://www.forbes.com/sites/nick	http://www.forbes.com/sites/nick	VERB
cblr-1739	1216	29	clements/2015/04/21/5	clements/2015/04/21/5	NOUN
cblr-1739	1216	30	-	-	PUNCT
cblr-1739	1216	31	reasons	reason	NOUN
cblr-1739	1216	32	-	-	PUNCT
cblr-1739	1216	33	new	new	ADJ
cblr-1739	1216	34	-	-	PUNCT
cblr-1739	1216	35	lenders	lender	NOUN
cblr-1739	1216	36	-	-	PUNCT
cblr-1739	1216	37	are	be	AUX
cblr-1739	1216	38	-	-	PUNCT
cblr-1739	1216	39	ignoring	ignore	VERB
cblr-1739	1216	40	-	-	PUNCT
cblr-1739	1216	41	fico	fico	NOUN
cblr-1739	1216	42	-	-	PUNCT
cblr-1739	1216	43	credit	credit	NOUN
cblr-1739	1216	44	-	-	PUNCT
cblr-1739	1216	45	scores/	scores/	NUM
cblr-1739	1216	46	[	[	X
cblr-1739	1216	47	http://perma.cc/wc6w-zr2f	http://perma.cc/wc6w-zr2f	X
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cblr-1739	1216	49	(	(	PUNCT
cblr-1739	1216	50	noting	note	VERB
cblr-1739	1216	51	that	that	SCONJ
cblr-1739	1216	52	the	the	DET
cblr-1739	1216	53	rationale	rationale	NOUN
cblr-1739	1216	54	for	for	ADP
cblr-1739	1216	55	this	this	PRON
cblr-1739	1216	56	,	,	PUNCT
cblr-1739	1216	57	as	as	SCONJ
cblr-1739	1216	58	stated	state	VERB
cblr-1739	1216	59	by	by	ADP
cblr-1739	1216	60	cfpb	cfpb	PROPN
cblr-1739	1216	61	director	director	PROPN
cblr-1739	1216	62	richard	richard	PROPN
cblr-1739	1216	63	cordray	cordray	PROPN
cblr-1739	1216	64	,	,	PUNCT
cblr-1739	1216	65	is	be	AUX
cblr-1739	1216	66	that	that	SCONJ
cblr-1739	1216	67	“	"	PUNCT
cblr-1739	1216	68	it	it	PRON
cblr-1739	1216	69	’s	’	VERB
cblr-1739	1216	70	hard	hard	ADV
cblr-1739	1216	71	for	for	SCONJ
cblr-1739	1216	72	consumers	consumer	NOUN
cblr-1739	1216	73	to	to	PART
cblr-1739	1216	74	navigate	navigate	VERB
cblr-1739	1216	75	the	the	DET
cblr-1739	1216	76	medical	medical	ADJ
cblr-1739	1216	77	debt	debt	NOUN
cblr-1739	1216	78	maze	maze	NOUN
cblr-1739	1216	79	and	and	CCONJ
cblr-1739	1216	80	come	come	VERB
cblr-1739	1216	81	out	out	ADP
cblr-1739	1216	82	with	with	ADP
cblr-1739	1216	83	a	a	DET
cblr-1739	1216	84	clean	clean	ADJ
cblr-1739	1216	85	credit	credit	NOUN
cblr-1739	1216	86	report	report	NOUN
cblr-1739	1216	87	on	on	ADP
cblr-1739	1216	88	the	the	DET
cblr-1739	1216	89	other	other	ADJ
cblr-1739	1216	90	side	side	NOUN
cblr-1739	1216	91	”	"	PUNCT
cblr-1739	1216	92	)	)	PUNCT
cblr-1739	1216	93	;	;	PUNCT
cblr-1739	1216	94	bob	bob	PROPN
cblr-1739	1216	95	sullivan	sullivan	PROPN
cblr-1739	1216	96	,	,	PUNCT
cblr-1739	1216	97	the	the	DET
cblr-1739	1216	98	impact	impact	NOUN
cblr-1739	1216	99	of	of	ADP
cblr-1739	1216	100	medical	medical	ADJ
cblr-1739	1216	101	debt	debt	NOUN
cblr-1739	1216	102	on	on	ADP
cblr-1739	1216	103	fico	fico	PROPN
cblr-1739	1216	104	scores	score	NOUN
cblr-1739	1216	105	,	,	PUNCT
cblr-1739	1216	106	credit	credit	NOUN
cblr-1739	1216	107	score	score	NOUN
cblr-1739	1216	108	(	(	PUNCT
cblr-1739	1216	109	july	july	PROPN
cblr-1739	1216	110	20	20	NUM
cblr-1739	1216	111	,	,	PUNCT
cblr-1739	1216	112	2015	2015	NUM
cblr-1739	1216	113	)	)	PUNCT
cblr-1739	1216	114	,	,	PUNCT
cblr-1739	1216	115	http://blog.credit.com/2015/07/the-impact-ofmedical-debt-on-fico-scores-121229/	http://blog.credit.com/2015/07/the-impact-ofmedical-debt-on-fico-scores-121229/	X
cblr-1739	1217	1	[	[	X
cblr-1739	1217	2	http://perma.cc/vg6b-c3um	http://perma.cc/vg6b-c3um	X
cblr-1739	1217	3	]	]	PUNCT
cblr-1739	1217	4	.	.	PUNCT
cblr-1739	1218	1	geslevich	geslevich	PROPN
cblr-1739	1218	2	packin	packin	PROPN
cblr-1739	1218	3	&	&	CCONJ
cblr-1739	1218	4	lev	lev	PROPN
cblr-1739	1218	5	-	-	PUNCT
cblr-1739	1218	6	aretz	aretz	PROPN
cblr-1739	1218	7	–	–	PUNCT
cblr-1739	1218	8	final	final	ADJ
cblr-1739	1218	9	424	424	NUM
cblr-1739	1218	10	columbia	columbia	PROPN
cblr-1739	1218	11	business	business	NOUN
cblr-1739	1218	12	law	law	PROPN
cblr-1739	1218	13	review	review	NOUN
cblr-1739	1219	1	[	[	X
cblr-1739	1219	2	vol	vol	NOUN
cblr-1739	1219	3	.	.	NOUN
cblr-1739	1219	4	2016	2016	NUM
cblr-1739	1219	5	protections	protection	NOUN
cblr-1739	1219	6	against	against	ADP
cblr-1739	1219	7	access	access	NOUN
cblr-1739	1219	8	to	to	ADP
cblr-1739	1219	9	genetic	genetic	ADJ
cblr-1739	1219	10	information	information	NOUN
cblr-1739	1219	11	and	and	CCONJ
cblr-1739	1219	12	genetic	genetic	ADJ
cblr-1739	1219	13	discrimination	discrimination	NOUN
cblr-1739	1219	14	in	in	ADP
cblr-1739	1219	15	both	both	CCONJ
cblr-1739	1219	16	the	the	DET
cblr-1739	1219	17	health	health	NOUN
cblr-1739	1219	18	insurance	insurance	NOUN
cblr-1739	1219	19	and	and	CCONJ
cblr-1739	1219	20	employment	employment	NOUN
cblr-1739	1219	21	context.317	context.317	ADP
cblr-1739	1219	22	viii	viii	ADJ
cblr-1739	1219	23	.	.	PUNCT
cblr-1739	1219	24	conclusion	conclusion	NOUN
cblr-1739	1219	25	while	while	SCONJ
cblr-1739	1219	26	technology	technology	NOUN
cblr-1739	1219	27	companies	company	NOUN
cblr-1739	1219	28	have	have	AUX
cblr-1739	1219	29	transformed	transform	VERB
cblr-1739	1219	30	the	the	DET
cblr-1739	1219	31	way	way	NOUN
cblr-1739	1219	32	we	we	PRON
cblr-1739	1219	33	interact	interact	VERB
cblr-1739	1219	34	,	,	PUNCT
cblr-1739	1219	35	they	they	PRON
cblr-1739	1219	36	have	have	AUX
cblr-1739	1219	37	only	only	ADV
cblr-1739	1219	38	recently	recently	ADV
cblr-1739	1219	39	begun	begin	VERB
cblr-1739	1219	40	the	the	DET
cblr-1739	1219	41	unavoidable	unavoidable	ADJ
cblr-1739	1219	42	banking	banking	NOUN
cblr-1739	1219	43	revolution	revolution	NOUN
cblr-1739	1219	44	,	,	PUNCT
cblr-1739	1219	45	seeking	seek	VERB
cblr-1739	1219	46	to	to	PART
cblr-1739	1219	47	replace	replace	VERB
cblr-1739	1219	48	some	some	PRON
cblr-1739	1219	49	of	of	ADP
cblr-1739	1219	50	the	the	DET
cblr-1739	1219	51	services	service	NOUN
cblr-1739	1219	52	historically	historically	ADV
cblr-1739	1219	53	offered	offer	VERB
cblr-1739	1219	54	by	by	ADP
cblr-1739	1219	55	banks	bank	NOUN
cblr-1739	1219	56	.	.	PUNCT
cblr-1739	1220	1	in	in	ADP
cblr-1739	1220	2	particular	particular	ADJ
cblr-1739	1220	3	,	,	PUNCT
cblr-1739	1220	4	such	such	ADJ
cblr-1739	1220	5	innovative	innovative	ADJ
cblr-1739	1220	6	tech	tech	NOUN
cblr-1739	1220	7	and	and	CCONJ
cblr-1739	1220	8	big	big	ADJ
cblr-1739	1220	9	data	datum	NOUN
cblr-1739	1220	10	companies	company	NOUN
cblr-1739	1220	11	now	now	ADV
cblr-1739	1220	12	provide	provide	VERB
cblr-1739	1220	13	consumers	consumer	NOUN
cblr-1739	1220	14	and	and	CCONJ
cblr-1739	1220	15	businesses	business	NOUN
cblr-1739	1220	16	alternative	alternative	ADJ
cblr-1739	1220	17	methods	method	NOUN
cblr-1739	1220	18	to	to	PART
cblr-1739	1220	19	access	access	VERB
cblr-1739	1220	20	marketplace	marketplace	NOUN
cblr-1739	1220	21	lending	lending	NOUN
cblr-1739	1220	22	,	,	PUNCT
cblr-1739	1220	23	while	while	SCONJ
cblr-1739	1220	24	taking	take	VERB
cblr-1739	1220	25	advantage	advantage	NOUN
cblr-1739	1220	26	of	of	ADP
cblr-1739	1220	27	the	the	DET
cblr-1739	1220	28	current	current	ADJ
cblr-1739	1220	29	state	state	NOUN
cblr-1739	1220	30	and	and	CCONJ
cblr-1739	1220	31	application	application	NOUN
cblr-1739	1220	32	of	of	ADP
cblr-1739	1220	33	law	law	NOUN
cblr-1739	1220	34	to	to	ADP
cblr-1739	1220	35	financial	financial	ADJ
cblr-1739	1220	36	technology	technology	NOUN
cblr-1739	1220	37	,	,	PUNCT
cblr-1739	1220	38	as	as	ADV
cblr-1739	1220	39	well	well	ADV
cblr-1739	1220	40	as	as	ADP
cblr-1739	1220	41	the	the	DET
cblr-1739	1220	42	gap	gap	NOUN
cblr-1739	1220	43	between	between	ADP
cblr-1739	1220	44	regulatory	regulatory	ADJ
cblr-1739	1220	45	and	and	CCONJ
cblr-1739	1220	46	technological	technological	ADJ
cblr-1739	1220	47	growth	growth	NOUN
cblr-1739	1220	48	.	.	PUNCT
cblr-1739	1221	1	regulation	regulation	NOUN
cblr-1739	1221	2	in	in	ADP
cblr-1739	1221	3	marketplace	marketplace	NOUN
cblr-1739	1221	4	lending	lending	NOUN
cblr-1739	1221	5	has	have	AUX
cblr-1739	1221	6	generated	generate	VERB
cblr-1739	1221	7	a	a	DET
cblr-1739	1221	8	debate	debate	NOUN
cblr-1739	1221	9	with	with	ADP
cblr-1739	1221	10	one	one	NUM
cblr-1739	1221	11	side	side	NOUN
cblr-1739	1221	12	arguing	argue	VERB
cblr-1739	1221	13	for	for	ADP
cblr-1739	1221	14	minimal	minimal	ADJ
cblr-1739	1221	15	or	or	CCONJ
cblr-1739	1221	16	no	no	DET
cblr-1739	1221	17	regulation	regulation	NOUN
cblr-1739	1221	18	of	of	ADP
cblr-1739	1221	19	this	this	DET
cblr-1739	1221	20	growing	grow	VERB
cblr-1739	1221	21	sector	sector	NOUN
cblr-1739	1221	22	in	in	ADP
cblr-1739	1221	23	order	order	NOUN
cblr-1739	1221	24	to	to	PART
cblr-1739	1221	25	not	not	PART
cblr-1739	1221	26	stifle	stifle	VERB
cblr-1739	1221	27	the	the	DET
cblr-1739	1221	28	innovation	innovation	NOUN
cblr-1739	1221	29	necessary	necessary	ADJ
cblr-1739	1221	30	to	to	PART
cblr-1739	1221	31	fill	fill	VERB
cblr-1739	1221	32	market	market	NOUN
cblr-1739	1221	33	gaps	gap	NOUN
cblr-1739	1221	34	.	.	PUNCT
cblr-1739	1222	1	simultaneously	simultaneously	ADV
cblr-1739	1222	2	,	,	PUNCT
cblr-1739	1222	3	another	another	DET
cblr-1739	1222	4	side	side	NOUN
cblr-1739	1222	5	is	be	AUX
cblr-1739	1222	6	arguing	argue	VERB
cblr-1739	1222	7	that	that	SCONJ
cblr-1739	1222	8	if	if	SCONJ
cblr-1739	1222	9	not	not	PART
cblr-1739	1222	10	monitored	monitor	VERB
cblr-1739	1222	11	and	and	CCONJ
cblr-1739	1222	12	somewhat	somewhat	ADV
cblr-1739	1222	13	regulated	regulate	VERB
cblr-1739	1222	14	,	,	PUNCT
cblr-1739	1222	15	this	this	DET
cblr-1739	1222	16	growing	grow	VERB
cblr-1739	1222	17	industry	industry	NOUN
cblr-1739	1222	18	can	can	AUX
cblr-1739	1222	19	become	become	VERB
cblr-1739	1222	20	the	the	DET
cblr-1739	1222	21	next	next	ADJ
cblr-1739	1222	22	subprime	subprime	ADJ
cblr-1739	1222	23	-	-	PUNCT
cblr-1739	1222	24	lending	lend	VERB
cblr-1739	1222	25	crisis,318	crisis,318	NOUN
cblr-1739	1222	26	and	and	CCONJ
cblr-1739	1222	27	cause	cause	VERB
cblr-1739	1222	28	irreversible	irreversible	ADJ
cblr-1739	1222	29	extreme	extreme	ADJ
cblr-1739	1222	30	social	social	ADJ
cblr-1739	1222	31	harms.319	harms.319	PROPN
cblr-1739	1222	32	in	in	ADP
cblr-1739	1222	33	this	this	DET
cblr-1739	1222	34	article	article	NOUN
cblr-1739	1222	35	,	,	PUNCT
cblr-1739	1222	36	we	we	PRON
cblr-1739	1222	37	focused	focus	VERB
cblr-1739	1222	38	on	on	ADP
cblr-1739	1222	39	social	social	ADJ
cblr-1739	1222	40	credit	credit	NOUN
cblr-1739	1222	41	,	,	PUNCT
cblr-1739	1222	42	which	which	PRON
cblr-1739	1222	43	is	be	AUX
cblr-1739	1222	44	a	a	DET
cblr-1739	1222	45	recent	recent	ADJ
cblr-1739	1222	46	and	and	CCONJ
cblr-1739	1222	47	unique	unique	ADJ
cblr-1739	1222	48	phenomenon	phenomenon	NOUN
cblr-1739	1222	49	in	in	ADP
cblr-1739	1222	50	marketplace	marketplace	NOUN
cblr-1739	1222	51	lending	lending	NOUN
cblr-1739	1222	52	.	.	PUNCT
cblr-1739	1223	1	social	social	ADJ
cblr-1739	1223	2	credit	credit	NOUN
cblr-1739	1223	3	is	be	AUX
cblr-1739	1223	4	arguably	arguably	ADV
cblr-1739	1223	5	a	a	DET
cblr-1739	1223	6	highly	highly	ADV
cblr-1739	1223	7	efficient	efficient	ADJ
cblr-1739	1223	8	and	and	CCONJ
cblr-1739	1223	9	accurate	accurate	ADJ
cblr-1739	1223	10	tool	tool	NOUN
cblr-1739	1223	11	that	that	PRON
cblr-1739	1223	12	can	can	AUX
cblr-1739	1223	13	be	be	AUX
cblr-1739	1223	14	used	use	VERB
cblr-1739	1223	15	in	in	ADP
cblr-1739	1223	16	various	various	ADJ
cblr-1739	1223	17	ways	way	NOUN
cblr-1739	1223	18	and	and	CCONJ
cblr-1739	1223	19	formats	format	NOUN
cblr-1739	1223	20	to	to	PART
cblr-1739	1223	21	expand	expand	VERB
cblr-1739	1223	22	access	access	NOUN
cblr-1739	1223	23	to	to	ADP
cblr-1739	1223	24	credit	credit	NOUN
cblr-1739	1223	25	to	to	ADP
cblr-1739	1223	26	populations	population	NOUN
cblr-1739	1223	27	that	that	PRON
cblr-1739	1223	28	otherwise	otherwise	ADV
cblr-1739	1223	29	might	might	AUX
cblr-1739	1223	30	be	be	AUX
cblr-1739	1223	31	credit	credit	NOUN
cblr-1739	1223	32	-	-	PUNCT
cblr-1739	1223	33	less	less	ADJ
cblr-1739	1223	34	or	or	CCONJ
cblr-1739	1223	35	underserved	underserved	ADJ
cblr-1739	1223	36	under	under	ADP
cblr-1739	1223	37	the	the	DET
cblr-1739	1223	38	current	current	ADJ
cblr-1739	1223	39	credit	credit	NOUN
cblr-1739	1223	40	system	system	NOUN
cblr-1739	1223	41	.	.	PUNCT
cblr-1739	1224	1	while	while	SCONJ
cblr-1739	1224	2	using	use	VERB
cblr-1739	1224	3	social	social	ADJ
cblr-1739	1224	4	credit	credit	NOUN
cblr-1739	1224	5	makes	make	VERB
cblr-1739	1224	6	sense	sense	NOUN
cblr-1739	1224	7	financially	financially	ADV
cblr-1739	1224	8	,	,	PUNCT
cblr-1739	1224	9	using	use	VERB
cblr-1739	1224	10	machine	machine	NOUN
cblr-1739	1224	11	learning	learn	VERB
cblr-1739	1224	12	advanced	advanced	ADJ
cblr-1739	1224	13	algorithms	algorithms	NOUN
cblr-1739	1224	14	presents	present	VERB
cblr-1739	1224	15	certain	certain	ADJ
cblr-1739	1224	16	unavoidable	unavoidable	ADJ
cblr-1739	1224	17	harms	harm	NOUN
cblr-1739	1224	18	to	to	ADP
cblr-1739	1224	19	society	society	NOUN
cblr-1739	1224	20	that	that	PRON
cblr-1739	1224	21	must	must	AUX
cblr-1739	1224	22	be	be	AUX
cblr-1739	1224	23	carefully	carefully	ADV
cblr-1739	1224	24	addressed	address	VERB
cblr-1739	1224	25	.	.	PUNCT
cblr-1739	1225	1	as	as	SCONJ
cblr-1739	1225	2	described	describe	VERB
cblr-1739	1225	3	,	,	PUNCT
cblr-1739	1225	4	our	our	PRON
cblr-1739	1225	5	main	main	ADJ
cblr-1739	1225	6	concerns	concern	NOUN
cblr-1739	1225	7	relate	relate	VERB
cblr-1739	1225	8	to	to	ADP
cblr-1739	1225	9	privacy	privacy	NOUN
cblr-1739	1225	10	consideration	consideration	NOUN
cblr-1739	1225	11	and	and	CCONJ
cblr-1739	1225	12	in	in	ADP
cblr-1739	1225	13	particular	particular	ADJ
cblr-1739	1225	14	,	,	PUNCT
cblr-1739	1225	15	derivative	derivative	ADJ
cblr-1739	1225	16	privacy	privacy	NOUN
cblr-1739	1225	17	harms	harm	VERB
cblr-1739	1225	18	,	,	PUNCT
cblr-1739	1225	19	as	as	ADV
cblr-1739	1225	20	well	well	ADV
cblr-1739	1225	21	as	as	ADP
cblr-1739	1225	22	social	social	ADJ
cblr-1739	1225	23	polarization	polarization	NOUN
cblr-1739	1225	24	and	and	CCONJ
cblr-1739	1225	25	potential	potential	ADJ
cblr-1739	1225	26	increased	increase	VERB
cblr-1739	1225	27	damage	damage	NOUN
cblr-1739	1225	28	to	to	ADP
cblr-1739	1225	29	social	social	ADJ
cblr-1739	1225	30	mobility	mobility	NOUN
cblr-1739	1225	31	.	.	PUNCT
cblr-1739	1226	1	based	base	VERB
cblr-1739	1226	2	on	on	ADP
cblr-1739	1226	3	law	law	NOUN
cblr-1739	1226	4	and	and	CCONJ
cblr-1739	1226	5	economic	economic	ADJ
cblr-1739	1226	6	analysis	analysis	NOUN
cblr-1739	1226	7	,	,	PUNCT
cblr-1739	1226	8	we	we	PRON
cblr-1739	1226	9	317	317	NUM
cblr-1739	1226	10	pub	pub	NOUN
cblr-1739	1226	11	.	.	PUNCT
cblr-1739	1227	1	l.	l.	PROPN
cblr-1739	1227	2	no	no	INTJ
cblr-1739	1227	3	.	.	PROPN
cblr-1739	1228	1	110	110	NUM
cblr-1739	1228	2	-	-	SYM
cblr-1739	1228	3	233	233	NUM
cblr-1739	1228	4	,	,	PUNCT
cblr-1739	1228	5	122	122	NUM
cblr-1739	1228	6	stat	stat	NOUN
cblr-1739	1228	7	.	.	PUNCT
cblr-1739	1229	1	881	881	NUM
cblr-1739	1229	2	(	(	PUNCT
cblr-1739	1229	3	2008	2008	NUM
cblr-1739	1229	4	)	)	PUNCT
cblr-1739	1229	5	.	.	PUNCT
cblr-1739	1230	1	318	318	NUM
cblr-1739	1230	2	see	see	VERB
cblr-1739	1230	3	mccarthy	mccarthy	PROPN
cblr-1739	1230	4	,	,	PUNCT
cblr-1739	1230	5	supra	supra	PROPN
cblr-1739	1230	6	note	note	PROPN
cblr-1739	1230	7	265	265	NUM
cblr-1739	1230	8	;	;	PUNCT
cblr-1739	1230	9	see	see	VERB
cblr-1739	1230	10	also	also	ADV
cblr-1739	1230	11	baker	baker	PROPN
cblr-1739	1230	12	,	,	PUNCT
cblr-1739	1230	13	supra	supra	PROPN
cblr-1739	1230	14	note	note	PROPN
cblr-1739	1230	15	265	265	NUM
cblr-1739	1230	16	;	;	PUNCT
cblr-1739	1230	17	cagney	cagney	PROPN
cblr-1739	1230	18	,	,	PUNCT
cblr-1739	1230	19	supra	supra	PROPN
cblr-1739	1230	20	note	note	PROPN
cblr-1739	1230	21	265	265	NUM
cblr-1739	1230	22	.	.	PUNCT
cblr-1739	1231	1	319	319	NUM
cblr-1739	1231	2	see	see	VERB
cblr-1739	1231	3	o’neil	o’neil	PROPN
cblr-1739	1231	4	,	,	PUNCT
cblr-1739	1231	5	supra	supra	PROPN
cblr-1739	1231	6	note	note	NOUN
cblr-1739	1231	7	266	266	NUM
cblr-1739	1231	8	.	.	PUNCT
cblr-1739	1232	1	geslevich	geslevich	PROPN
cblr-1739	1232	2	packin	packin	PROPN
cblr-1739	1232	3	&	&	CCONJ
cblr-1739	1232	4	lev	lev	PROPN
cblr-1739	1232	5	-	-	PUNCT
cblr-1739	1232	6	aretz	aretz	PROPN
cblr-1739	1232	7	–	–	PUNCT
cblr-1739	1232	8	final	final	ADJ
cblr-1739	1232	9	no	no	NOUN
cblr-1739	1232	10	.	.	PUNCT
cblr-1739	1233	1	2:339	2:339	NUM
cblr-1739	1233	2	]	]	X
cblr-1739	1233	3	on	on	ADP
cblr-1739	1233	4	social	social	ADJ
cblr-1739	1233	5	credit	credit	NOUN
cblr-1739	1233	6	425	425	NUM
cblr-1739	1233	7	show	show	NOUN
cblr-1739	1233	8	that	that	SCONJ
cblr-1739	1233	9	,	,	PUNCT
cblr-1739	1233	10	for	for	ADP
cblr-1739	1233	11	different	different	ADJ
cblr-1739	1233	12	reasons	reason	NOUN
cblr-1739	1233	13	,	,	PUNCT
cblr-1739	1233	14	it	it	PRON
cblr-1739	1233	15	appears	appear	VERB
cblr-1739	1233	16	inevitable	inevitable	ADJ
cblr-1739	1233	17	that	that	SCONJ
cblr-1739	1233	18	these	these	DET
cblr-1739	1233	19	types	type	NOUN
cblr-1739	1233	20	of	of	ADP
cblr-1739	1233	21	harms	harm	NOUN
cblr-1739	1233	22	would	would	AUX
cblr-1739	1233	23	result	result	VERB
cblr-1739	1233	24	in	in	ADP
cblr-1739	1233	25	shocking	shock	VERB
cblr-1739	1233	26	social	social	ADJ
cblr-1739	1233	27	,	,	PUNCT
cblr-1739	1233	28	personal	personal	ADJ
cblr-1739	1233	29	,	,	PUNCT
cblr-1739	1233	30	and	and	CCONJ
cblr-1739	1233	31	eventually	eventually	ADV
cblr-1739	1233	32	economic	economic	ADJ
cblr-1739	1233	33	consequences	consequence	NOUN
cblr-1739	1233	34	.	.	PUNCT
cblr-1739	1234	1	we	we	PRON
cblr-1739	1234	2	believe	believe	VERB
cblr-1739	1234	3	that	that	SCONJ
cblr-1739	1234	4	the	the	DET
cblr-1739	1234	5	privacy	privacy	NOUN
cblr-1739	1234	6	unraveling	unraveling	NOUN
cblr-1739	1234	7	process	process	NOUN
cblr-1739	1234	8	is	be	AUX
cblr-1739	1234	9	here	here	ADV
cblr-1739	1234	10	to	to	PART
cblr-1739	1234	11	stay	stay	VERB
cblr-1739	1234	12	.	.	PUNCT
cblr-1739	1235	1	we	we	PRON
cblr-1739	1235	2	also	also	ADV
cblr-1739	1235	3	believe	believe	VERB
cblr-1739	1235	4	the	the	DET
cblr-1739	1235	5	benefits	benefit	NOUN
cblr-1739	1235	6	social	social	ADJ
cblr-1739	1235	7	credit	credit	NOUN
cblr-1739	1235	8	presents	present	NOUN
cblr-1739	1235	9	should	should	AUX
cblr-1739	1235	10	not	not	PART
cblr-1739	1235	11	be	be	AUX
cblr-1739	1235	12	easily	easily	ADV
cblr-1739	1235	13	dismissed	dismiss	VERB
cblr-1739	1235	14	.	.	PUNCT
cblr-1739	1236	1	therefore	therefore	ADV
cblr-1739	1236	2	,	,	PUNCT
cblr-1739	1236	3	we	we	PRON
cblr-1739	1236	4	suggest	suggest	VERB
cblr-1739	1236	5	an	an	DET
cblr-1739	1236	6	initial	initial	ADJ
cblr-1739	1236	7	regulatory	regulatory	ADJ
cblr-1739	1236	8	proposal	proposal	NOUN
cblr-1739	1236	9	for	for	ADP
cblr-1739	1236	10	dealing	deal	VERB
cblr-1739	1236	11	with	with	ADP
cblr-1739	1236	12	social	social	ADJ
cblr-1739	1236	13	credit	credit	NOUN
cblr-1739	1236	14	in	in	ADP
cblr-1739	1236	15	a	a	DET
cblr-1739	1236	16	hope	hope	NOUN
cblr-1739	1236	17	to	to	PART
cblr-1739	1236	18	accommodate	accommodate	VERB
cblr-1739	1236	19	financial	financial	ADJ
cblr-1739	1236	20	innovation	innovation	NOUN
cblr-1739	1236	21	,	,	PUNCT
cblr-1739	1236	22	while	while	SCONJ
cblr-1739	1236	23	preserving	preserve	VERB
cblr-1739	1236	24	key	key	ADJ
cblr-1739	1236	25	rights	right	NOUN
cblr-1739	1236	26	and	and	CCONJ
cblr-1739	1236	27	addressing	address	VERB
cblr-1739	1236	28	the	the	DET
cblr-1739	1236	29	concerns	concern	NOUN
cblr-1739	1236	30	raised	raise	VERB
cblr-1739	1236	31	.	.	PUNCT