id	sid	tid	token	lemma	pos
cblr-1772	1	1	microsoft	microsoft	PROPN
cblr-1772	1	2	word	word	NOUN
cblr-1772	1	3	5	5	NUM
cblr-1772	1	4	schaffer	schaffer	NOUN
cblr-1772	1	5	final	final	ADJ
cblr-1772	1	6	3.10_no	3.10_no	NUM
cblr-1772	1	7	stamp.docx	stamp.docx	NOUN
cblr-1772	1	8	stemming	stem	VERB
cblr-1772	1	9	the	the	DET
cblr-1772	1	10	tide	tide	NOUN
cblr-1772	1	11	of	of	ADP
cblr-1772	1	12	foreclosure	foreclosure	NOUN
cblr-1772	1	13	:	:	PUNCT
cblr-1772	1	14	evaluating	evaluate	VERB
cblr-1772	1	15	the	the	DET
cblr-1772	1	16	use	use	NOUN
cblr-1772	1	17	of	of	ADP
cblr-1772	1	18	eminent	eminent	ADJ
cblr-1772	1	19	domain	domain	NOUN
cblr-1772	1	20	to	to	PART
cblr-1772	1	21	relieve	relieve	VERB
cblr-1772	1	22	underwater	underwater	ADJ
cblr-1772	1	23	homeowners	homeowner	NOUN
cblr-1772	1	24	marissa	marissa	PROPN
cblr-1772	1	25	schaffer	schaffer	PROPN
cblr-1772	1	26	*	*	PUNCT
cblr-1772	1	27	more	more	ADJ
cblr-1772	1	28	than	than	ADP
cblr-1772	1	29	six	six	NUM
cblr-1772	1	30	years	year	NOUN
cblr-1772	1	31	since	since	SCONJ
cblr-1772	1	32	the	the	DET
cblr-1772	1	33	housing	housing	NOUN
cblr-1772	1	34	bubble	bubble	NOUN
cblr-1772	1	35	burst	burst	VERB
cblr-1772	1	36	in	in	ADP
cblr-1772	1	37	2007	2007	NUM
cblr-1772	1	38	,	,	PUNCT
cblr-1772	1	39	over	over	ADP
cblr-1772	1	40	twelve	twelve	NUM
cblr-1772	1	41	million	million	NUM
cblr-1772	1	42	homes	home	NOUN
cblr-1772	1	43	nationwide	nationwide	ADV
cblr-1772	1	44	remain	remain	VERB
cblr-1772	1	45	underwater––one	underwater––one	NOUN
cblr-1772	1	46	out	out	ADP
cblr-1772	1	47	of	of	ADP
cblr-1772	1	48	every	every	DET
cblr-1772	1	49	five	five	NUM
cblr-1772	1	50	homes	home	NOUN
cblr-1772	1	51	with	with	ADP
cblr-1772	1	52	a	a	DET
cblr-1772	1	53	mortgage	mortgage	NOUN
cblr-1772	1	54	.	.	PUNCT
cblr-1772	2	1	these	these	DET
cblr-1772	2	2	homeowners	homeowner	NOUN
cblr-1772	2	3	are	be	AUX
cblr-1772	2	4	more	more	ADV
cblr-1772	2	5	likely	likely	ADJ
cblr-1772	2	6	to	to	PART
cblr-1772	2	7	default	default	VERB
cblr-1772	2	8	on	on	ADP
cblr-1772	2	9	their	their	PRON
cblr-1772	2	10	mortgage	mortgage	NOUN
cblr-1772	2	11	payments	payment	NOUN
cblr-1772	2	12	because	because	SCONJ
cblr-1772	2	13	the	the	DET
cblr-1772	2	14	overall	overall	ADJ
cblr-1772	2	15	principal	principal	ADJ
cblr-1772	2	16	value	value	NOUN
cblr-1772	2	17	of	of	ADP
cblr-1772	2	18	their	their	PRON
cblr-1772	2	19	mortgages	mortgage	NOUN
cblr-1772	2	20	is	be	AUX
cblr-1772	2	21	greater	great	ADJ
cblr-1772	2	22	than	than	ADP
cblr-1772	2	23	the	the	DET
cblr-1772	2	24	value	value	NOUN
cblr-1772	2	25	of	of	ADP
cblr-1772	2	26	their	their	PRON
cblr-1772	2	27	home	home	NOUN
cblr-1772	2	28	.	.	PUNCT
cblr-1772	3	1	being	be	AUX
cblr-1772	3	2	underwater	underwater	NOUN
cblr-1772	3	3	limits	limit	VERB
cblr-1772	3	4	an	an	DET
cblr-1772	3	5	individual	individual	ADJ
cblr-1772	3	6	homeowner	homeowner	NOUN
cblr-1772	3	7	’s	’s	PART
cblr-1772	3	8	ability	ability	NOUN
cblr-1772	3	9	to	to	PART
cblr-1772	3	10	recover	recover	VERB
cblr-1772	3	11	from	from	ADP
cblr-1772	3	12	financial	financial	ADJ
cblr-1772	3	13	shocks	shock	NOUN
cblr-1772	3	14	,	,	PUNCT
cblr-1772	3	15	such	such	ADJ
cblr-1772	3	16	as	as	ADP
cblr-1772	3	17	job	job	NOUN
cblr-1772	3	18	loss	loss	NOUN
cblr-1772	3	19	or	or	CCONJ
cblr-1772	3	20	reduction	reduction	NOUN
cblr-1772	3	21	in	in	ADP
cblr-1772	3	22	income	income	NOUN
cblr-1772	3	23	,	,	PUNCT
cblr-1772	3	24	and	and	CCONJ
cblr-1772	3	25	at	at	ADP
cblr-1772	3	26	an	an	DET
cblr-1772	3	27	aggregate	aggregate	ADJ
cblr-1772	3	28	level	level	NOUN
cblr-1772	3	29	,	,	PUNCT
cblr-1772	3	30	it	it	PRON
cblr-1772	3	31	threatens	threaten	VERB
cblr-1772	3	32	another	another	DET
cblr-1772	3	33	wave	wave	NOUN
cblr-1772	3	34	of	of	ADP
cblr-1772	3	35	foreclosures	foreclosure	NOUN
cblr-1772	3	36	.	.	PUNCT
cblr-1772	4	1	further	far	ADV
cblr-1772	4	2	,	,	PUNCT
cblr-1772	4	3	securitization	securitization	NOUN
cblr-1772	4	4	of	of	ADP
cblr-1772	4	5	residential	residential	ADJ
cblr-1772	4	6	mortgages	mortgage	NOUN
cblr-1772	4	7	has	have	AUX
cblr-1772	4	8	inhibited	inhibit	VERB
cblr-1772	4	9	refinancing	refinancing	NOUN
cblr-1772	4	10	,	,	PUNCT
cblr-1772	4	11	even	even	ADV
cblr-1772	4	12	when	when	SCONJ
cblr-1772	4	13	advantageous	advantageous	ADJ
cblr-1772	4	14	to	to	ADP
cblr-1772	4	15	all	all	DET
cblr-1772	4	16	stakeholders	stakeholder	NOUN
cblr-1772	4	17	.	.	PUNCT
cblr-1772	5	1	this	this	DET
cblr-1772	5	2	note	note	NOUN
cblr-1772	5	3	evaluates	evaluate	VERB
cblr-1772	5	4	a	a	DET
cblr-1772	5	5	proposal	proposal	NOUN
cblr-1772	5	6	that	that	PRON
cblr-1772	5	7	aims	aim	VERB
cblr-1772	5	8	to	to	PART
cblr-1772	5	9	overcome	overcome	VERB
cblr-1772	5	10	a	a	DET
cblr-1772	5	11	collective	collective	ADJ
cblr-1772	5	12	action	action	NOUN
cblr-1772	5	13	problem	problem	NOUN
cblr-1772	5	14	between	between	ADP
cblr-1772	5	15	borrowers	borrower	NOUN
cblr-1772	5	16	,	,	PUNCT
cblr-1772	5	17	lenders	lender	NOUN
cblr-1772	5	18	,	,	PUNCT
cblr-1772	5	19	mortgage	mortgage	NOUN
cblr-1772	5	20	servicers	servicer	NOUN
cblr-1772	5	21	,	,	PUNCT
cblr-1772	5	22	and	and	CCONJ
cblr-1772	5	23	government	government	NOUN
cblr-1772	5	24	actors	actor	NOUN
cblr-1772	5	25	by	by	ADP
cblr-1772	5	26	recalibrating	recalibrate	VERB
cblr-1772	5	27	the	the	DET
cblr-1772	5	28	value	value	NOUN
cblr-1772	5	29	of	of	ADP
cblr-1772	5	30	underwater	underwater	ADJ
cblr-1772	5	31	mortgages	mortgage	NOUN
cblr-1772	5	32	.	.	PUNCT
cblr-1772	6	1	using	use	VERB
cblr-1772	6	2	the	the	DET
cblr-1772	6	3	power	power	NOUN
cblr-1772	6	4	of	of	ADP
cblr-1772	6	5	eminent	eminent	ADJ
cblr-1772	6	6	domain	domain	NOUN
cblr-1772	6	7	,	,	PUNCT
cblr-1772	6	8	local	local	ADJ
cblr-1772	6	9	municipalities	municipality	NOUN
cblr-1772	6	10	would	would	AUX
cblr-1772	6	11	seize	seize	VERB
cblr-1772	6	12	underwater	underwater	ADJ
cblr-1772	6	13	mortgages	mortgage	NOUN
cblr-1772	6	14	from	from	ADP
cblr-1772	6	15	private	private	ADJ
cblr-1772	6	16	-	-	PUNCT
cblr-1772	6	17	label	label	NOUN
cblr-1772	6	18	securitization	securitization	NOUN
cblr-1772	6	19	trusts	trust	NOUN
cblr-1772	6	20	,	,	PUNCT
cblr-1772	6	21	compensating	compensate	VERB
cblr-1772	6	22	the	the	DET
cblr-1772	6	23	trusts	trust	NOUN
cblr-1772	6	24	with	with	ADP
cblr-1772	6	25	the	the	DET
cblr-1772	6	26	true	true	ADJ
cblr-1772	6	27	fair	fair	ADJ
cblr-1772	6	28	market	market	NOUN
cblr-1772	6	29	value	value	NOUN
cblr-1772	6	30	of	of	ADP
cblr-1772	6	31	the	the	DET
cblr-1772	6	32	mortgage	mortgage	NOUN
cblr-1772	6	33	(	(	PUNCT
cblr-1772	6	34	which	which	PRON
cblr-1772	6	35	,	,	PUNCT
cblr-1772	6	36	by	by	ADP
cblr-1772	6	37	definition	definition	NOUN
cblr-1772	6	38	,	,	PUNCT
cblr-1772	6	39	would	would	AUX
cblr-1772	6	40	be	be	AUX
cblr-1772	6	41	less	less	ADJ
cblr-1772	6	42	than	than	ADP
cblr-1772	6	43	the	the	DET
cblr-1772	6	44	current	current	ADJ
cblr-1772	6	45	home	home	NOUN
cblr-1772	6	46	value	value	NOUN
cblr-1772	6	47	)	)	PUNCT
cblr-1772	6	48	.	.	PUNCT
cblr-1772	7	1	the	the	DET
cblr-1772	7	2	municipalities	municipality	NOUN
cblr-1772	7	3	,	,	PUNCT
cblr-1772	7	4	in	in	ADP
cblr-1772	7	5	conjunction	conjunction	NOUN
cblr-1772	7	6	with	with	ADP
cblr-1772	7	7	a	a	DET
cblr-1772	7	8	venture	venture	NOUN
cblr-1772	7	9	capitalist	capitalist	NOUN
cblr-1772	7	10	fund	fund	NOUN
cblr-1772	7	11	,	,	PUNCT
cblr-1772	7	12	would	would	AUX
cblr-1772	7	13	refinance	refinance	VERB
cblr-1772	7	14	the	the	DET
cblr-1772	7	15	mortgage	mortgage	NOUN
cblr-1772	7	16	with	with	ADP
cblr-1772	7	17	a	a	DET
cblr-1772	7	18	government	government	NOUN
cblr-1772	7	19	-	-	PUNCT
cblr-1772	7	20	approved	approve	VERB
cblr-1772	7	21	vendor	vendor	NOUN
cblr-1772	7	22	at	at	ADP
cblr-1772	7	23	a	a	DET
cblr-1772	7	24	value	value	NOUN
cblr-1772	7	25	closer	close	ADV
cblr-1772	7	26	to	to	ADP
cblr-1772	7	27	the	the	DET
cblr-1772	7	28	true	true	ADJ
cblr-1772	7	29	*	*	PUNCT
cblr-1772	7	30	j.d	j.d	PROPN
cblr-1772	7	31	.	.	PROPN
cblr-1772	7	32	candidate	candidate	NOUN
cblr-1772	7	33	2014	2014	NUM
cblr-1772	7	34	,	,	PUNCT
cblr-1772	7	35	columbia	columbia	PROPN
cblr-1772	7	36	law	law	PROPN
cblr-1772	7	37	school	school	NOUN
cblr-1772	7	38	;	;	PUNCT
cblr-1772	7	39	b.a	b.a	PROPN
cblr-1772	7	40	.	.	PROPN
cblr-1772	7	41	2009	2009	NUM
cblr-1772	7	42	,	,	PUNCT
cblr-1772	7	43	swarthmore	swarthmore	PROPN
cblr-1772	7	44	college	college	PROPN
cblr-1772	7	45	.	.	PUNCT
cblr-1772	8	1	the	the	DET
cblr-1772	8	2	author	author	NOUN
cblr-1772	8	3	would	would	AUX
cblr-1772	8	4	like	like	VERB
cblr-1772	8	5	to	to	PART
cblr-1772	8	6	thank	thank	VERB
cblr-1772	8	7	professor	professor	PROPN
cblr-1772	8	8	michael	michael	PROPN
cblr-1772	8	9	heller	heller	PROPN
cblr-1772	8	10	for	for	ADP
cblr-1772	8	11	his	his	PRON
cblr-1772	8	12	guidance	guidance	NOUN
cblr-1772	8	13	and	and	CCONJ
cblr-1772	8	14	comments	comment	NOUN
cblr-1772	8	15	.	.	PUNCT
cblr-1772	9	1	the	the	DET
cblr-1772	9	2	author	author	NOUN
cblr-1772	9	3	would	would	AUX
cblr-1772	9	4	also	also	ADV
cblr-1772	9	5	like	like	VERB
cblr-1772	9	6	to	to	PART
cblr-1772	9	7	thank	thank	VERB
cblr-1772	9	8	jonathan	jonathan	PROPN
cblr-1772	9	9	and	and	CCONJ
cblr-1772	9	10	toby	toby	PROPN
cblr-1772	9	11	schaffer	schaffer	PROPN
cblr-1772	9	12	,	,	PUNCT
cblr-1772	9	13	zachary	zachary	PROPN
cblr-1772	9	14	schaffer	schaffer	PROPN
cblr-1772	9	15	,	,	PUNCT
cblr-1772	9	16	and	and	CCONJ
cblr-1772	9	17	daniel	daniel	PROPN
cblr-1772	9	18	sartori	sartori	NOUN
cblr-1772	9	19	for	for	ADP
cblr-1772	9	20	their	their	PRON
cblr-1772	9	21	unwavering	unwavering	ADJ
cblr-1772	9	22	support	support	NOUN
cblr-1772	9	23	and	and	CCONJ
cblr-1772	9	24	patience	patience	NOUN
cblr-1772	9	25	during	during	ADP
cblr-1772	9	26	this	this	DET
cblr-1772	9	27	process	process	NOUN
cblr-1772	9	28	,	,	PUNCT
cblr-1772	9	29	and	and	CCONJ
cblr-1772	9	30	always	always	ADV
cblr-1772	9	31	.	.	PUNCT
cblr-1772	10	1	many	many	ADJ
cblr-1772	10	2	thanks	thank	NOUN
cblr-1772	10	3	to	to	ADP
cblr-1772	10	4	the	the	DET
cblr-1772	10	5	columbia	columbia	PROPN
cblr-1772	10	6	business	business	PROPN
cblr-1772	10	7	law	law	PROPN
cblr-1772	10	8	review	review	VERB
cblr-1772	10	9	editorial	editorial	ADJ
cblr-1772	10	10	staff	staff	NOUN
cblr-1772	10	11	for	for	ADP
cblr-1772	10	12	their	their	PRON
cblr-1772	10	13	dedication	dedication	NOUN
cblr-1772	10	14	in	in	ADP
cblr-1772	10	15	preparing	prepare	VERB
cblr-1772	10	16	this	this	DET
cblr-1772	10	17	note	note	NOUN
cblr-1772	10	18	for	for	ADP
cblr-1772	10	19	publication	publication	NOUN
cblr-1772	10	20	.	.	PUNCT
cblr-1772	11	1	216	216	NUM
cblr-1772	11	2	columbia	columbia	PROPN
cblr-1772	11	3	business	business	NOUN
cblr-1772	11	4	law	law	PROPN
cblr-1772	11	5	review	review	NOUN
cblr-1772	12	1	[	[	X
cblr-1772	12	2	vol	vol	NOUN
cblr-1772	12	3	.	.	NOUN
cblr-1772	12	4	2014	2014	NUM
cblr-1772	12	5	market	market	NOUN
cblr-1772	12	6	price	price	NOUN
cblr-1772	12	7	.	.	PUNCT
cblr-1772	13	1	this	this	DET
cblr-1772	13	2	proposal	proposal	NOUN
cblr-1772	13	3	would	would	AUX
cblr-1772	13	4	likely	likely	ADV
cblr-1772	13	5	survive	survive	VERB
cblr-1772	13	6	a	a	DET
cblr-1772	13	7	constitutional	constitutional	ADJ
cblr-1772	13	8	challenge	challenge	NOUN
cblr-1772	13	9	and	and	CCONJ
cblr-1772	13	10	should	should	AUX
cblr-1772	13	11	be	be	AUX
cblr-1772	13	12	piloted	pilot	VERB
cblr-1772	13	13	in	in	ADP
cblr-1772	13	14	communities	community	NOUN
cblr-1772	13	15	burdened	burden	VERB
cblr-1772	13	16	by	by	ADP
cblr-1772	13	17	trillions	trillion	NOUN
cblr-1772	13	18	of	of	ADP
cblr-1772	13	19	dollars	dollar	NOUN
cblr-1772	13	20	of	of	ADP
cblr-1772	13	21	household	household	NOUN
cblr-1772	13	22	debt	debt	NOUN
cblr-1772	13	23	.	.	PUNCT
cblr-1772	13	24	!	!	PUNCT
cblr-1772	14	1	i.	i.	PROPN
cblr-1772	14	2	!	!	PUNCT
cblr-1772	15	1	introduction	introduction	NOUN
cblr-1772	15	2	...................................................................	...................................................................	PUNCT
cblr-1772	16	1	217	217	NUM
cblr-1772	16	2	!	!	PUNCT
cblr-1772	16	3	ii	ii	PROPN
cblr-1772	16	4	.	.	PUNCT
cblr-1772	16	5	!	!	PUNCT
cblr-1772	17	1	securitization	securitization	NOUN
cblr-1772	17	2	of	of	ADP
cblr-1772	17	3	residential	residential	ADJ
cblr-1772	17	4	mortgages	mortgage	NOUN
cblr-1772	17	5	......................	......................	PUNCT
cblr-1772	18	1	220	220	NUM
cblr-1772	18	2	!	!	PUNCT
cblr-1772	18	3	a.	a.	NOUN
cblr-1772	18	4	features	feature	NOUN
cblr-1772	18	5	of	of	ADP
cblr-1772	18	6	securitization	securitization	NOUN
cblr-1772	18	7	......................................	......................................	PUNCT
cblr-1772	18	8	223	223	NUM
cblr-1772	18	9	!	!	X
cblr-1772	19	1	1	1	X
cblr-1772	19	2	.	.	X
cblr-1772	19	3	mechanics	mechanic	NOUN
cblr-1772	19	4	.........................................................	.........................................................	PUNCT
cblr-1772	20	1	223	223	NUM
cblr-1772	20	2	!	!	PUNCT
cblr-1772	21	1	2.!parties	2.!partie	NOUN
cblr-1772	21	2	and	and	CCONJ
cblr-1772	21	3	their	their	PRON
cblr-1772	21	4	economic	economic	ADJ
cblr-1772	21	5	incentives	incentive	NOUN
cblr-1772	21	6	..........	..........	PUNCT
cblr-1772	22	1	224	224	NUM
cblr-1772	22	2	!	!	PUNCT
cblr-1772	23	1	3.!the	3.!the	DET
cblr-1772	23	2	effect	effect	NOUN
cblr-1772	23	3	of	of	ADP
cblr-1772	23	4	securitization	securitization	NOUN
cblr-1772	23	5	on	on	ADP
cblr-1772	23	6	principal	principal	ADJ
cblr-1772	23	7	reduction	reduction	NOUN
cblr-1772	23	8	..........................................................	..........................................................	PUNCT
cblr-1772	24	1	226	226	NUM
cblr-1772	24	2	!	!	PUNCT
cblr-1772	24	3	b.	b.	VERB
cblr-1772	25	1	the	the	DET
cblr-1772	25	2	current	current	ADJ
cblr-1772	25	3	market	market	NOUN
cblr-1772	25	4	...............................................	...............................................	PUNCT
cblr-1772	26	1	229	229	NUM
cblr-1772	26	2	!	!	NOUN
cblr-1772	27	1	1	1	X
cblr-1772	27	2	.	.	X
cblr-1772	27	3	a	a	DET
cblr-1772	27	4	potential	potential	ADJ
cblr-1772	27	5	wave	wave	NOUN
cblr-1772	27	6	of	of	ADP
cblr-1772	27	7	foreclosures	foreclosure	NOUN
cblr-1772	27	8	....................	....................	PUNCT
cblr-1772	28	1	229	229	NUM
cblr-1772	28	2	!	!	NOUN
cblr-1772	28	3	2	2	X
cblr-1772	28	4	.	.	PUNCT
cblr-1772	28	5	principal	principal	ADJ
cblr-1772	28	6	reduction	reduction	NOUN
cblr-1772	28	7	..........................................	..........................................	PUNCT
cblr-1772	29	1	231	231	NUM
cblr-1772	29	2	!	!	PUNCT
cblr-1772	29	3	c.	c.	PROPN
cblr-1772	29	4	federal	federal	ADJ
cblr-1772	29	5	efforts	effort	NOUN
cblr-1772	29	6	........................................................	........................................................	PUNCT
cblr-1772	30	1	233	233	NUM
cblr-1772	30	2	!	!	NOUN
cblr-1772	30	3	1	1	X
cblr-1772	30	4	.	.	X
cblr-1772	30	5	home	home	NOUN
cblr-1772	30	6	affordable	affordable	ADJ
cblr-1772	30	7	refinance	refinance	NOUN
cblr-1772	30	8	program	program	NOUN
cblr-1772	30	9	..............	..............	PUNCT
cblr-1772	30	10	233	233	NUM
cblr-1772	30	11	!	!	X
cblr-1772	30	12	2	2	NUM
cblr-1772	30	13	.	.	X
cblr-1772	30	14	home	home	NOUN
cblr-1772	30	15	affordable	affordable	ADJ
cblr-1772	30	16	modification	modification	NOUN
cblr-1772	30	17	program	program	NOUN
cblr-1772	30	18	.........	.........	PUNCT
cblr-1772	31	1	235	235	NUM
cblr-1772	31	2	!	!	NOUN
cblr-1772	31	3	3	3	X
cblr-1772	31	4	.	.	X
cblr-1772	31	5	failure	failure	NOUN
cblr-1772	31	6	of	of	ADP
cblr-1772	31	7	harp	harp	NOUN
cblr-1772	31	8	and	and	CCONJ
cblr-1772	31	9	hamp	hamp	PROPN
cblr-1772	31	10	............................	............................	PUNCT
cblr-1772	32	1	236	236	NUM
cblr-1772	32	2	!	!	X
cblr-1772	32	3	iii	iii	PROPN
cblr-1772	32	4	.	.	PUNCT
cblr-1772	32	5	state	state	NOUN
cblr-1772	32	6	and	and	CCONJ
cblr-1772	32	7	federal	federal	ADJ
cblr-1772	32	8	eminent	eminent	ADJ
cblr-1772	32	9	domain	domain	NOUN
cblr-1772	32	10	:	:	PUNCT
cblr-1772	32	11	background	background	NOUN
cblr-1772	32	12	and	and	CCONJ
cblr-1772	32	13	limiting	limit	VERB
cblr-1772	32	14	principles	principle	NOUN
cblr-1772	32	15	.................................................	.................................................	PUNCT
cblr-1772	33	1	239	239	NUM
cblr-1772	33	2	!	!	PUNCT
cblr-1772	33	3	a.	a.	NOUN
cblr-1772	33	4	state	state	PROPN
cblr-1772	33	5	and	and	CCONJ
cblr-1772	33	6	federal	federal	ADJ
cblr-1772	33	7	authority	authority	NOUN
cblr-1772	33	8	..................................	..................................	PUNCT
cblr-1772	34	1	240	240	X
cblr-1772	34	2	!	!	PUNCT
cblr-1772	34	3	b.	b.	PROPN
cblr-1772	34	4	public	public	ADJ
cblr-1772	34	5	use	use	NOUN
cblr-1772	34	6	limitation	limitation	NOUN
cblr-1772	34	7	............................................	............................................	PUNCT
cblr-1772	35	1	241	241	X
cblr-1772	35	2	!	!	PUNCT
cblr-1772	36	1	c.	c.	PROPN
cblr-1772	36	2	just	just	ADV
cblr-1772	36	3	compensation	compensation	NOUN
cblr-1772	36	4	limitation	limitation	NOUN
cblr-1772	36	5	..............................	..............................	PUNCT
cblr-1772	37	1	243	243	X
cblr-1772	37	2	!	!	PUNCT
cblr-1772	37	3	d.	d.	PROPN
cblr-1772	37	4	intangible	intangible	ADJ
cblr-1772	37	5	property	property	NOUN
cblr-1772	37	6	................................................	................................................	PUNCT
cblr-1772	38	1	243	243	NUM
cblr-1772	38	2	!	!	PUNCT
cblr-1772	38	3	iv	iv	X
cblr-1772	38	4	.	.	PUNCT
cblr-1772	39	1	the	the	DET
cblr-1772	39	2	proposal	proposal	NOUN
cblr-1772	39	3	...................................................................	...................................................................	PUNCT
cblr-1772	39	4	244	244	NUM
cblr-1772	39	5	!	!	PUNCT
cblr-1772	39	6	a.	a.	NOUN
cblr-1772	39	7	case	case	NOUN
cblr-1772	39	8	studies	study	NOUN
cblr-1772	39	9	:	:	PUNCT
cblr-1772	39	10	san	san	PROPN
cblr-1772	39	11	bernardino	bernardino	PROPN
cblr-1772	39	12	county	county	PROPN
cblr-1772	39	13	and	and	CCONJ
cblr-1772	39	14	richmond	richmond	PROPN
cblr-1772	39	15	,	,	PUNCT
cblr-1772	39	16	california	california	PROPN
cblr-1772	39	17	.............................................	.............................................	PUNCT
cblr-1772	39	18	245	245	NUM
cblr-1772	39	19	!	!	PUNCT
cblr-1772	39	20	b.	b.	VERB
cblr-1772	40	1	the	the	DET
cblr-1772	40	2	proposal	proposal	NOUN
cblr-1772	40	3	’s	’s	PART
cblr-1772	40	4	specifics	specific	NOUN
cblr-1772	40	5	.........................................	.........................................	PUNCT
cblr-1772	41	1	247	247	X
cblr-1772	41	2	!	!	PUNCT
cblr-1772	41	3	c.	c.	NOUN
cblr-1772	41	4	a	a	DET
cblr-1772	41	5	local	local	ADJ
cblr-1772	41	6	solution	solution	NOUN
cblr-1772	41	7	......................................................	......................................................	PUNCT
cblr-1772	42	1	250	250	NUM
cblr-1772	42	2	!	!	PUNCT
cblr-1772	43	1	v.	v.	CCONJ
cblr-1772	43	2	constitutionality	constitutionality	NOUN
cblr-1772	43	3	of	of	ADP
cblr-1772	43	4	the	the	DET
cblr-1772	43	5	proposal	proposal	NOUN
cblr-1772	43	6	:	:	PUNCT
cblr-1772	43	7	responding	respond	VERB
cblr-1772	43	8	to	to	PART
cblr-1772	43	9	sifma	sifma	VERB
cblr-1772	43	10	............................................................................	............................................................................	PUNCT
cblr-1772	43	11	251	251	NUM
cblr-1772	43	12	!	!	PUNCT
cblr-1772	43	13	a.	a.	NOUN
cblr-1772	43	14	public	public	ADJ
cblr-1772	43	15	use	use	NOUN
cblr-1772	43	16	...............................................................	...............................................................	PUNCT
cblr-1772	44	1	251	251	NUM
cblr-1772	44	2	!	!	X
cblr-1772	45	1	1	1	X
cblr-1772	45	2	.	.	X
cblr-1772	45	3	sifma	sifma	NOUN
cblr-1772	45	4	’s	’s	PART
cblr-1772	45	5	argument	argument	NOUN
cblr-1772	45	6	..........................................	..........................................	PUNCT
cblr-1772	46	1	252	252	NUM
cblr-1772	46	2	!	!	NOUN
cblr-1772	46	3	2	2	X
cblr-1772	46	4	.	.	X
cblr-1772	46	5	analysis	analysis	NOUN
cblr-1772	46	6	.............................................................	.............................................................	PUNCT
cblr-1772	46	7	253	253	X
cblr-1772	46	8	!	!	PUNCT
cblr-1772	46	9	b.	b.	PROPN
cblr-1772	47	1	just	just	ADV
cblr-1772	47	2	compensation	compensation	PROPN
cblr-1772	47	3	.................................................	.................................................	PUNCT
cblr-1772	48	1	255	255	NUM
cblr-1772	48	2	!	!	X
cblr-1772	48	3	1	1	X
cblr-1772	48	4	.	.	X
cblr-1772	48	5	sifma	sifma	NOUN
cblr-1772	48	6	’s	’s	PART
cblr-1772	48	7	argument	argument	NOUN
cblr-1772	48	8	...........................................	...........................................	PUNCT
cblr-1772	49	1	255	255	X
cblr-1772	49	2	!	!	X
cblr-1772	49	3	2	2	X
cblr-1772	49	4	.	.	X
cblr-1772	49	5	analysis	analysis	NOUN
cblr-1772	49	6	.............................................................	.............................................................	PUNCT
cblr-1772	49	7	256	256	NUM
cblr-1772	49	8	!	!	PUNCT
cblr-1772	49	9	c.	c.	PROPN
cblr-1772	49	10	sifma	sifma	PROPN
cblr-1772	49	11	’s	’s	PART
cblr-1772	49	12	other	other	ADJ
cblr-1772	49	13	claims	claim	NOUN
cblr-1772	49	14	...........................................	...........................................	PUNCT
cblr-1772	50	1	257	257	X
cblr-1772	50	2	!	!	PUNCT
cblr-1772	51	1	no	no	INTJ
cblr-1772	51	2	.	.	PUNCT
cblr-1772	52	1	1:215	1:215	NUM
cblr-1772	52	2	]	]	X
cblr-1772	52	3	stemming	stem	VERB
cblr-1772	52	4	the	the	DET
cblr-1772	52	5	tide	tide	NOUN
cblr-1772	52	6	of	of	ADP
cblr-1772	52	7	foreclosure	foreclosure	NOUN
cblr-1772	52	8	217	217	NUM
cblr-1772	52	9	d.	d.	NOUN
cblr-1772	52	10	motivations	motivation	NOUN
cblr-1772	52	11	of	of	ADP
cblr-1772	52	12	the	the	DET
cblr-1772	52	13	financial	financial	ADJ
cblr-1772	52	14	industry	industry	NOUN
cblr-1772	52	15	..................	..................	PUNCT
cblr-1772	53	1	260	260	NUM
cblr-1772	53	2	!	!	X
cblr-1772	53	3	vi	vi	X
cblr-1772	53	4	.	.	NOUN
cblr-1772	53	5	conclusion	conclusion	NOUN
cblr-1772	53	6	.......................................................................	.......................................................................	PUNCT
cblr-1772	54	1	263	263	NUM
cblr-1772	54	2	!	!	PUNCT
cblr-1772	54	3	i.	i.	PROPN
cblr-1772	54	4	introduction	introduction	NOUN
cblr-1772	54	5	the	the	DET
cblr-1772	54	6	housing	housing	NOUN
cblr-1772	54	7	bubble	bubble	NOUN
cblr-1772	54	8	burst	burst	VERB
cblr-1772	54	9	almost	almost	ADV
cblr-1772	54	10	seven	seven	NUM
cblr-1772	54	11	years	year	NOUN
cblr-1772	54	12	ago.1	ago.1	VERB
cblr-1772	54	13	by	by	ADP
cblr-1772	54	14	the	the	DET
cblr-1772	54	15	first	first	ADJ
cblr-1772	54	16	quarter	quarter	NOUN
cblr-1772	54	17	of	of	ADP
cblr-1772	54	18	2011	2011	NUM
cblr-1772	54	19	,	,	PUNCT
cblr-1772	54	20	the	the	DET
cblr-1772	54	21	decline	decline	NOUN
cblr-1772	54	22	in	in	ADP
cblr-1772	54	23	home	home	NOUN
cblr-1772	54	24	prices	price	NOUN
cblr-1772	54	25	surpassed	surpass	VERB
cblr-1772	54	26	that	that	PRON
cblr-1772	54	27	of	of	ADP
cblr-1772	54	28	the	the	DET
cblr-1772	54	29	great	great	ADJ
cblr-1772	54	30	depression.2	depression.2	PROPN
cblr-1772	54	31	in	in	ADP
cblr-1772	54	32	the	the	DET
cblr-1772	54	33	hardest	hard	ADJ
cblr-1772	54	34	hit	hit	VERB
cblr-1772	54	35	areas	area	NOUN
cblr-1772	54	36	of	of	ADP
cblr-1772	54	37	the	the	DET
cblr-1772	54	38	country	country	NOUN
cblr-1772	54	39	,	,	PUNCT
cblr-1772	54	40	housing	housing	NOUN
cblr-1772	54	41	prices	price	NOUN
cblr-1772	54	42	slid	slide	VERB
cblr-1772	54	43	more	more	ADJ
cblr-1772	54	44	than	than	ADP
cblr-1772	54	45	fifty	fifty	NUM
cblr-1772	54	46	percent	percent	NOUN
cblr-1772	54	47	off	off	ADP
cblr-1772	54	48	their	their	PRON
cblr-1772	54	49	highs.3	highs.3	NOUN
cblr-1772	54	50	the	the	DET
cblr-1772	54	51	“	"	PUNCT
cblr-1772	54	52	sunbelt”—a	sunbelt”—a	NOUN
cblr-1772	54	53	region	region	NOUN
cblr-1772	54	54	that	that	PRON
cblr-1772	54	55	experienced	experience	VERB
cblr-1772	54	56	dramatic	dramatic	ADJ
cblr-1772	54	57	housing	housing	NOUN
cblr-1772	54	58	booms	boom	NOUN
cblr-1772	54	59	prior	prior	ADV
cblr-1772	54	60	to	to	ADP
cblr-1772	54	61	2006	2006	NUM
cblr-1772	54	62	—	—	PUNCT
cblr-1772	54	63	faced	face	VERB
cblr-1772	54	64	the	the	DET
cblr-1772	54	65	greatest	great	ADJ
cblr-1772	54	66	correction.4	correction.4	NOUN
cblr-1772	54	67	this	this	DET
cblr-1772	54	68	area	area	NOUN
cblr-1772	54	69	,	,	PUNCT
cblr-1772	54	70	“	"	PUNCT
cblr-1772	54	71	where	where	SCONJ
cblr-1772	54	72	housing	housing	NOUN
cblr-1772	54	73	booms	boom	NOUN
cblr-1772	54	74	were	be	AUX
cblr-1772	54	75	fueled	fuel	VERB
cblr-1772	54	76	by	by	ADP
cblr-1772	54	77	borrowed	borrow	VERB
cblr-1772	54	78	money	money	NOUN
cblr-1772	54	79	.	.	PUNCT
cblr-1772	54	80	.	.	PUNCT
cblr-1772	54	81	.	.	PUNCT
cblr-1772	55	1	[	[	X
cblr-1772	55	2	has	have	AUX
cblr-1772	55	3	become	become	VERB
cblr-1772	55	4	a	a	DET
cblr-1772	55	5	]	]	X
cblr-1772	55	6	long	long	ADJ
cblr-1772	55	7	-	-	PUNCT
cblr-1772	55	8	term	term	NOUN
cblr-1772	55	9	laggard	laggard	NOUN
cblr-1772	55	10	[	[	X
cblr-1772	55	11	]	]	X
cblr-1772	55	12	under	under	ADP
cblr-1772	55	13	the	the	DET
cblr-1772	55	14	weight	weight	NOUN
cblr-1772	55	15	of	of	ADP
cblr-1772	55	16	those	those	DET
cblr-1772	55	17	debts	debt	NOUN
cblr-1772	55	18	.	.	PUNCT
cblr-1772	56	1	”5	”5	ADJ
cblr-1772	56	2	one	one	NUM
cblr-1772	56	3	implication	implication	NOUN
cblr-1772	56	4	of	of	ADP
cblr-1772	56	5	these	these	DET
cblr-1772	56	6	debts	debt	NOUN
cblr-1772	56	7	is	be	AUX
cblr-1772	56	8	an	an	DET
cblr-1772	56	9	increased	increase	VERB
cblr-1772	56	10	likelihood	likelihood	NOUN
cblr-1772	56	11	of	of	ADP
cblr-1772	56	12	homeowners	homeowner	NOUN
cblr-1772	56	13	foreclosing	foreclose	VERB
cblr-1772	56	14	on	on	ADP
cblr-1772	56	15	their	their	PRON
cblr-1772	56	16	homes	home	NOUN
cblr-1772	56	17	.	.	PUNCT
cblr-1772	57	1	foreclosure	foreclosure	NOUN
cblr-1772	57	2	occurs	occur	VERB
cblr-1772	57	3	when	when	SCONJ
cblr-1772	57	4	a	a	DET
cblr-1772	57	5	borrower	borrower	NOUN
cblr-1772	57	6	fails	fail	VERB
cblr-1772	57	7	to	to	PART
cblr-1772	57	8	make	make	VERB
cblr-1772	57	9	timely	timely	ADJ
cblr-1772	57	10	payments	payment	NOUN
cblr-1772	57	11	on	on	ADP
cblr-1772	57	12	his	his	PRON
cblr-1772	57	13	or	or	CCONJ
cblr-1772	57	14	her	her	PRON
cblr-1772	57	15	home	home	NOUN
cblr-1772	57	16	mortgage	mortgage	NOUN
cblr-1772	57	17	,	,	PUNCT
cblr-1772	57	18	resulting	result	VERB
cblr-1772	57	19	in	in	ADP
cblr-1772	57	20	the	the	DET
cblr-1772	57	21	lender	lender	NOUN
cblr-1772	57	22	claiming	claim	VERB
cblr-1772	57	23	its	its	PRON
cblr-1772	57	24	security	security	NOUN
cblr-1772	57	25	interest	interest	NOUN
cblr-1772	57	26	in	in	ADP
cblr-1772	57	27	,	,	PUNCT
cblr-1772	57	28	and	and	CCONJ
cblr-1772	57	29	thus	thus	ADV
cblr-1772	57	30	physical	physical	ADJ
cblr-1772	57	31	possession	possession	NOUN
cblr-1772	57	32	of	of	ADP
cblr-1772	57	33	,	,	PUNCT
cblr-1772	57	34	the	the	DET
cblr-1772	57	35	residential	residential	ADJ
cblr-1772	57	36	property.6	property.6	PROPN
cblr-1772	57	37	foreclosures	foreclosure	NOUN
cblr-1772	57	38	affect	affect	VERB
cblr-1772	57	39	1	1	NUM
cblr-1772	57	40	see	see	VERB
cblr-1772	57	41	ruth	ruth	PROPN
cblr-1772	57	42	mantell	mantell	PROPN
cblr-1772	57	43	,	,	PUNCT
cblr-1772	57	44	home	home	NOUN
cblr-1772	57	45	prices	price	NOUN
cblr-1772	57	46	off	off	ADP
cblr-1772	57	47	record	record	NOUN
cblr-1772	57	48	18	18	NUM
cblr-1772	57	49	%	%	NOUN
cblr-1772	57	50	in	in	ADP
cblr-1772	57	51	past	past	ADJ
cblr-1772	57	52	year	year	NOUN
cblr-1772	57	53	,	,	PUNCT
cblr-1772	57	54	caseshiller	caseshiller	PROPN
cblr-1772	57	55	says	say	VERB
cblr-1772	57	56	,	,	PUNCT
cblr-1772	57	57	wall	wall	PROPN
cblr-1772	57	58	st	st	PROPN
cblr-1772	57	59	.	.	PROPN
cblr-1772	57	60	j.	j.	PROPN
cblr-1772	57	61	marketwatch	marketwatch	PROPN
cblr-1772	57	62	(	(	PUNCT
cblr-1772	57	63	dec	dec	PROPN
cblr-1772	57	64	.	.	PROPN
cblr-1772	57	65	30	30	NUM
cblr-1772	57	66	,	,	PUNCT
cblr-1772	57	67	2008	2008	NUM
cblr-1772	57	68	,	,	PUNCT
cblr-1772	57	69	11:49	11:49	NUM
cblr-1772	57	70	am	am	NOUN
cblr-1772	57	71	)	)	PUNCT
cblr-1772	57	72	,	,	PUNCT
cblr-1772	57	73	http://www.marketwatch.com/story/home-prices-off-record-18-in-past-yearcase-shiller-says	http://www.marketwatch.com/story/home-prices-off-record-18-in-past-yearcase-shiller-says	PROPN
cblr-1772	57	74	.	.	NOUN
cblr-1772	57	75	2	2	NUM
cblr-1772	57	76	see	see	VERB
cblr-1772	57	77	mark	mark	PROPN
cblr-1772	57	78	gongloff	gongloff	PROPN
cblr-1772	57	79	,	,	PUNCT
cblr-1772	57	80	housing	housing	NOUN
cblr-1772	57	81	shocker	shocker	NOUN
cblr-1772	57	82	:	:	PUNCT
cblr-1772	57	83	home	home	NOUN
cblr-1772	57	84	prices	price	NOUN
cblr-1772	57	85	still	still	ADV
cblr-1772	57	86	falling	fall	VERB
cblr-1772	57	87	,	,	PUNCT
cblr-1772	58	1	wall	wall	PROPN
cblr-1772	58	2	st	st	PROPN
cblr-1772	58	3	.	.	PROPN
cblr-1772	58	4	j.	j.	PROPN
cblr-1772	58	5	marketbeat	marketbeat	PROPN
cblr-1772	58	6	(	(	PUNCT
cblr-1772	58	7	may	may	PROPN
cblr-1772	58	8	31	31	NUM
cblr-1772	58	9	,	,	PUNCT
cblr-1772	58	10	2011	2011	NUM
cblr-1772	58	11	,	,	PUNCT
cblr-1772	58	12	9:03	9:03	NUM
cblr-1772	58	13	am	am	NOUN
cblr-1772	58	14	)	)	PUNCT
cblr-1772	58	15	,	,	PUNCT
cblr-1772	58	16	http://blogs.wsj.com/marketbeat/2011/05/31/housing-shocker-home-pricesstill-falling/	http://blogs.wsj.com/marketbeat/2011/05/31/housing-shocker-home-pricesstill-falling/	VERB
cblr-1772	58	17	(	(	PUNCT
cblr-1772	58	18	citing	cite	VERB
cblr-1772	58	19	case	case	NOUN
cblr-1772	58	20	-	-	PUNCT
cblr-1772	58	21	shiller	shiller	NOUN
cblr-1772	58	22	index	index	NOUN
cblr-1772	58	23	)	)	PUNCT
cblr-1772	58	24	.	.	PUNCT
cblr-1772	59	1	3	3	NUM
cblr-1772	59	2	letter	letter	NOUN
cblr-1772	59	3	from	from	ADP
cblr-1772	59	4	gavin	gavin	PROPN
cblr-1772	59	5	newsom	newsom	PROPN
cblr-1772	59	6	,	,	PUNCT
cblr-1772	59	7	cal	cal	PROPN
cblr-1772	59	8	.	.	PUNCT
cblr-1772	60	1	lt	lt	PROPN
cblr-1772	60	2	.	.	PROPN
cblr-1772	60	3	gov	gov	PROPN
cblr-1772	60	4	.	.	PROPN
cblr-1772	60	5	,	,	PUNCT
cblr-1772	60	6	to	to	ADP
cblr-1772	60	7	eric	eric	PROPN
cblr-1772	60	8	holder	holder	PROPN
cblr-1772	60	9	,	,	PUNCT
cblr-1772	60	10	att’y	att’y	X
cblr-1772	60	11	gen	gen	PROPN
cblr-1772	60	12	.	.	PROPN
cblr-1772	60	13	,	,	PUNCT
cblr-1772	60	14	and	and	CCONJ
cblr-1772	60	15	joseph	joseph	PROPN
cblr-1772	60	16	wayland	wayland	PROPN
cblr-1772	60	17	,	,	PUNCT
cblr-1772	60	18	acting	act	VERB
cblr-1772	60	19	ass’t	ass’t	PRON
cblr-1772	60	20	att’y	att’y	NUM
cblr-1772	61	1	gen	gen	PROPN
cblr-1772	61	2	.	.	PROPN
cblr-1772	61	3	,	,	PUNCT
cblr-1772	61	4	antitrust	antitrust	ADJ
cblr-1772	61	5	div	div	X
cblr-1772	61	6	.	.	PROPN
cblr-1772	61	7	1	1	NUM
cblr-1772	61	8	(	(	PUNCT
cblr-1772	61	9	sept	sept	PROPN
cblr-1772	61	10	.	.	PROPN
cblr-1772	61	11	10	10	NUM
cblr-1772	61	12	,	,	PUNCT
cblr-1772	61	13	2012	2012	NUM
cblr-1772	61	14	)	)	PUNCT
cblr-1772	61	15	(	(	PUNCT
cblr-1772	61	16	on	on	ADP
cblr-1772	61	17	file	file	NOUN
cblr-1772	61	18	with	with	ADP
cblr-1772	61	19	author	author	NOUN
cblr-1772	61	20	)	)	PUNCT
cblr-1772	61	21	.	.	PUNCT
cblr-1772	62	1	4	4	NUM
cblr-1772	62	2	see	see	VERB
cblr-1772	62	3	richard	richard	PROPN
cblr-1772	62	4	florida	florida	PROPN
cblr-1772	62	5	,	,	PUNCT
cblr-1772	62	6	foreclosures	foreclosure	NOUN
cblr-1772	62	7	still	still	ADV
cblr-1772	62	8	concentrated	concentrate	VERB
cblr-1772	62	9	in	in	ADP
cblr-1772	62	10	sunbelt	sunbelt	PROPN
cblr-1772	62	11	cities	city	NOUN
cblr-1772	62	12	,	,	PUNCT
cblr-1772	62	13	atlantic	atlantic	PROPN
cblr-1772	62	14	(	(	PUNCT
cblr-1772	62	15	jan	jan	PROPN
cblr-1772	62	16	.	.	PROPN
cblr-1772	62	17	28	28	NUM
cblr-1772	62	18	2011	2011	NUM
cblr-1772	62	19	,	,	PUNCT
cblr-1772	62	20	10:00	10:00	NUM
cblr-1772	62	21	am	am	NOUN
cblr-1772	62	22	)	)	PUNCT
cblr-1772	62	23	,	,	PUNCT
cblr-1772	62	24	http://www.theatlantic.com/business/archive/2011/01/foreclosures-stillconcentrated-in-sunbelt-cities/70395/.	http://www.theatlantic.com/business/archive/2011/01/foreclosures-stillconcentrated-in-sunbelt-cities/70395/.	PROPN
cblr-1772	62	25	5	5	NUM
cblr-1772	62	26	binyamin	binyamin	PROPN
cblr-1772	62	27	appelbaum	appelbaum	NOUN
cblr-1772	62	28	,	,	PUNCT
cblr-1772	62	29	where	where	SCONJ
cblr-1772	62	30	housing	housing	NOUN
cblr-1772	62	31	once	once	ADV
cblr-1772	62	32	boomed	boom	VERB
cblr-1772	62	33	,	,	PUNCT
cblr-1772	62	34	recovery	recovery	NOUN
cblr-1772	62	35	lags	lag	NOUN
cblr-1772	62	36	,	,	PUNCT
cblr-1772	62	37	n.y	n.y	PROPN
cblr-1772	62	38	.	.	PROPN
cblr-1772	62	39	times	times	PROPN
cblr-1772	62	40	,	,	PUNCT
cblr-1772	62	41	apr	apr	PROPN
cblr-1772	62	42	.	.	PROPN
cblr-1772	62	43	3	3	NUM
cblr-1772	62	44	,	,	PUNCT
cblr-1772	62	45	2012	2012	NUM
cblr-1772	62	46	,	,	PUNCT
cblr-1772	62	47	at	at	ADP
cblr-1772	62	48	a1	a1	NOUN
cblr-1772	62	49	.	.	PROPN
cblr-1772	62	50	6	6	NUM
cblr-1772	62	51	see	see	VERB
cblr-1772	62	52	generally	generally	ADV
cblr-1772	62	53	george	george	PROPN
cblr-1772	62	54	lefcoe	lefcoe	PROPN
cblr-1772	62	55	,	,	PUNCT
cblr-1772	62	56	real	real	ADJ
cblr-1772	62	57	estate	estate	NOUN
cblr-1772	62	58	transactions	transaction	NOUN
cblr-1772	62	59	(	(	PUNCT
cblr-1772	62	60	3d	3d	PROPN
cblr-1772	62	61	ed	ed	NOUN
cblr-1772	62	62	.	.	PROPN
cblr-1772	62	63	1999	1999	NUM
cblr-1772	62	64	)	)	PUNCT
cblr-1772	62	65	(	(	PUNCT
cblr-1772	62	66	explaining	explain	VERB
cblr-1772	62	67	the	the	DET
cblr-1772	62	68	foreclosure	foreclosure	NOUN
cblr-1772	62	69	process	process	NOUN
cblr-1772	62	70	from	from	ADP
cblr-1772	62	71	a	a	DET
cblr-1772	62	72	real	real	ADJ
cblr-1772	62	73	estate	estate	NOUN
cblr-1772	62	74	finance	finance	NOUN
cblr-1772	62	75	perspective	perspective	NOUN
cblr-1772	62	76	)	)	PUNCT
cblr-1772	62	77	.	.	PUNCT
cblr-1772	63	1	218	218	NUM
cblr-1772	63	2	columbia	columbia	PROPN
cblr-1772	63	3	business	business	NOUN
cblr-1772	63	4	law	law	PROPN
cblr-1772	63	5	review	review	NOUN
cblr-1772	64	1	[	[	X
cblr-1772	64	2	vol	vol	NOUN
cblr-1772	64	3	.	.	PUNCT
cblr-1772	64	4	2014	2014	NUM
cblr-1772	64	5	the	the	DET
cblr-1772	64	6	community	community	NOUN
cblr-1772	64	7	beyond	beyond	ADP
cblr-1772	64	8	the	the	DET
cblr-1772	64	9	individual	individual	ADJ
cblr-1772	64	10	homeowner	homeowner	NOUN
cblr-1772	64	11	and	and	CCONJ
cblr-1772	64	12	contribute	contribute	VERB
cblr-1772	64	13	to	to	ADP
cblr-1772	64	14	a	a	DET
cblr-1772	64	15	cycle	cycle	NOUN
cblr-1772	64	16	of	of	ADP
cblr-1772	64	17	decline	decline	NOUN
cblr-1772	64	18	;	;	PUNCT
cblr-1772	64	19	they	they	PRON
cblr-1772	64	20	“	"	PUNCT
cblr-1772	64	21	depress	depress	VERB
cblr-1772	64	22	home	home	NOUN
cblr-1772	64	23	prices	price	NOUN
cblr-1772	64	24	,	,	PUNCT
cblr-1772	64	25	which	which	PRON
cblr-1772	64	26	depress	depress	VERB
cblr-1772	64	27	consumer	consumer	NOUN
cblr-1772	64	28	expenditures	expenditure	NOUN
cblr-1772	64	29	,	,	PUNCT
cblr-1772	64	30	which	which	PRON
cblr-1772	64	31	depress	depress	VERB
cblr-1772	64	32	employment	employment	NOUN
cblr-1772	64	33	and	and	CCONJ
cblr-1772	64	34	income	income	NOUN
cblr-1772	64	35	,	,	PUNCT
cblr-1772	64	36	which	which	PRON
cblr-1772	64	37	heighten	heighten	VERB
cblr-1772	64	38	the	the	DET
cblr-1772	64	39	incidence	incidence	NOUN
cblr-1772	64	40	of	of	ADP
cblr-1772	64	41	default	default	NOUN
cblr-1772	64	42	and	and	CCONJ
cblr-1772	64	43	foreclosure	foreclosure	NOUN
cblr-1772	64	44	,	,	PUNCT
cblr-1772	64	45	which	which	PRON
cblr-1772	64	46	depresses	depress	VERB
cblr-1772	64	47	home	home	NOUN
cblr-1772	64	48	prices	price	NOUN
cblr-1772	64	49	yet	yet	ADV
cblr-1772	64	50	further	far	ADV
cblr-1772	64	51	.	.	PUNCT
cblr-1772	64	52	”7	”7	PUNCT
cblr-1772	65	1	how	how	SCONJ
cblr-1772	65	2	do	do	AUX
cblr-1772	65	3	we	we	PRON
cblr-1772	65	4	break	break	VERB
cblr-1772	65	5	this	this	DET
cblr-1772	65	6	cycle	cycle	NOUN
cblr-1772	65	7	?	?	PUNCT
cblr-1772	66	1	one	one	NUM
cblr-1772	66	2	potential	potential	ADJ
cblr-1772	66	3	solution	solution	NOUN
cblr-1772	66	4	is	be	AUX
cblr-1772	66	5	to	to	PART
cblr-1772	66	6	focus	focus	VERB
cblr-1772	66	7	on	on	ADP
cblr-1772	66	8	the	the	DET
cblr-1772	66	9	nation	nation	NOUN
cblr-1772	66	10	’s	’s	PART
cblr-1772	66	11	borrowers	borrower	NOUN
cblr-1772	66	12	who	who	PRON
cblr-1772	66	13	are	be	AUX
cblr-1772	66	14	currently	currently	ADV
cblr-1772	66	15	“	"	PUNCT
cblr-1772	66	16	underwater”.8	underwater”.8	ADP
cblr-1772	66	17	there	there	PRON
cblr-1772	66	18	are	be	VERB
cblr-1772	66	19	twelve	twelve	NUM
cblr-1772	66	20	million	million	NUM
cblr-1772	66	21	homes	home	NOUN
cblr-1772	66	22	nationwide	nationwide	ADV
cblr-1772	66	23	that	that	PRON
cblr-1772	66	24	are	be	AUX
cblr-1772	66	25	underwater	underwater	ADJ
cblr-1772	66	26	—	—	PUNCT
cblr-1772	66	27	nearly	nearly	ADV
cblr-1772	66	28	a	a	PRON
cblr-1772	66	29	quarter	quarter	NOUN
cblr-1772	66	30	of	of	ADP
cblr-1772	66	31	all	all	DET
cblr-1772	66	32	homes	home	NOUN
cblr-1772	66	33	with	with	ADP
cblr-1772	66	34	mortgages.9	mortgages.9	NOUN
cblr-1772	66	35	unless	unless	SCONJ
cblr-1772	66	36	these	these	DET
cblr-1772	66	37	underwater	underwater	ADJ
cblr-1772	66	38	homeowners	homeowner	NOUN
cblr-1772	66	39	can	can	AUX
cblr-1772	66	40	restructure	restructure	VERB
cblr-1772	66	41	their	their	PRON
cblr-1772	66	42	mortgages	mortgage	NOUN
cblr-1772	66	43	,	,	PUNCT
cblr-1772	66	44	between	between	ADP
cblr-1772	66	45	7.4	7.4	NUM
cblr-1772	66	46	million	million	NUM
cblr-1772	66	47	and	and	CCONJ
cblr-1772	66	48	9.4	9.4	NUM
cblr-1772	66	49	million	million	NUM
cblr-1772	66	50	of	of	ADP
cblr-1772	66	51	them	they	PRON
cblr-1772	66	52	are	be	AUX
cblr-1772	66	53	in	in	ADP
cblr-1772	66	54	danger	danger	NOUN
cblr-1772	66	55	of	of	ADP
cblr-1772	66	56	defaulting	default	VERB
cblr-1772	66	57	over	over	ADP
cblr-1772	66	58	the	the	DET
cblr-1772	66	59	next	next	ADJ
cblr-1772	66	60	six	six	NUM
cblr-1772	66	61	years.10	years.10	NOUN
cblr-1772	66	62	lack	lack	NOUN
cblr-1772	66	63	of	of	ADP
cblr-1772	66	64	collective	collective	ADJ
cblr-1772	66	65	action	action	NOUN
cblr-1772	66	66	between	between	ADP
cblr-1772	66	67	borrowers	borrower	NOUN
cblr-1772	66	68	,	,	PUNCT
cblr-1772	66	69	lenders	lender	NOUN
cblr-1772	66	70	,	,	PUNCT
cblr-1772	66	71	servicers	servicer	NOUN
cblr-1772	66	72	,	,	PUNCT
cblr-1772	66	73	and	and	CCONJ
cblr-1772	66	74	government	government	NOUN
cblr-1772	66	75	actors	actor	NOUN
cblr-1772	66	76	is	be	AUX
cblr-1772	66	77	at	at	ADP
cblr-1772	66	78	the	the	DET
cblr-1772	66	79	root	root	NOUN
cblr-1772	66	80	of	of	ADP
cblr-1772	66	81	the	the	DET
cblr-1772	66	82	problem	problem	NOUN
cblr-1772	66	83	.	.	PUNCT
cblr-1772	67	1	there	there	PRON
cblr-1772	67	2	is	be	VERB
cblr-1772	67	3	gridlock	gridlock	NOUN
cblr-1772	67	4	when	when	SCONJ
cblr-1772	67	5	so	so	ADV
cblr-1772	67	6	many	many	ADJ
cblr-1772	67	7	stakeholders	stakeholder	NOUN
cblr-1772	67	8	are	be	AUX
cblr-1772	67	9	involved	involve	VERB
cblr-1772	67	10	in	in	ADP
cblr-1772	67	11	any	any	DET
cblr-1772	67	12	one	one	NUM
cblr-1772	67	13	residential	residential	ADJ
cblr-1772	67	14	mortgage.11	mortgage.11	NOUN
cblr-1772	67	15	due	due	ADP
cblr-1772	67	16	to	to	ADP
cblr-1772	67	17	their	their	PRON
cblr-1772	67	18	inability	inability	NOUN
cblr-1772	67	19	to	to	PART
cblr-1772	67	20	work	work	VERB
cblr-1772	67	21	together	together	ADV
cblr-1772	67	22	and	and	CCONJ
cblr-1772	67	23	communicate	communicate	VERB
cblr-1772	67	24	to	to	PART
cblr-1772	67	25	serve	serve	VERB
cblr-1772	67	26	the	the	DET
cblr-1772	67	27	best	good	ADJ
cblr-1772	67	28	interests	interest	NOUN
cblr-1772	67	29	of	of	ADP
cblr-1772	67	30	all	all	DET
cblr-1772	67	31	actors	actor	NOUN
cblr-1772	67	32	,	,	PUNCT
cblr-1772	67	33	the	the	DET
cblr-1772	67	34	heavy	heavy	ADJ
cblr-1772	67	35	weight	weight	NOUN
cblr-1772	67	36	of	of	ADP
cblr-1772	67	37	excessive	excessive	ADJ
cblr-1772	67	38	debt	debt	NOUN
cblr-1772	67	39	remains.12	remains.12	NOUN
cblr-1772	67	40	the	the	DET
cblr-1772	67	41	economy	economy	NOUN
cblr-1772	67	42	as	as	ADP
cblr-1772	67	43	a	a	DET
cblr-1772	67	44	whole	whole	NOUN
cblr-1772	67	45	is	be	AUX
cblr-1772	67	46	left	leave	VERB
cblr-1772	67	47	with	with	ADP
cblr-1772	67	48	“	"	PUNCT
cblr-1772	67	49	the	the	DET
cblr-1772	67	50	wreckage	wreckage	NOUN
cblr-1772	67	51	of	of	ADP
cblr-1772	67	52	trillions	trillion	NOUN
cblr-1772	67	53	of	of	ADP
cblr-1772	67	54	dollars	dollar	NOUN
cblr-1772	67	55	of	of	ADP
cblr-1772	67	56	household	household	NOUN
cblr-1772	67	57	debt	debt	NOUN
cblr-1772	67	58	that	that	PRON
cblr-1772	67	59	can	can	AUX
cblr-1772	67	60	not	not	PART
cblr-1772	67	61	7	7	NUM
cblr-1772	67	62	robert	robert	PROPN
cblr-1772	67	63	hockett	hockett	PROPN
cblr-1772	67	64	,	,	PUNCT
cblr-1772	67	65	six	six	NUM
cblr-1772	67	66	years	year	NOUN
cblr-1772	67	67	on	on	ADV
cblr-1772	67	68	and	and	CCONJ
cblr-1772	67	69	still	still	ADV
cblr-1772	67	70	counting	count	VERB
cblr-1772	67	71	:	:	PUNCT
cblr-1772	67	72	sifting	sift	VERB
cblr-1772	67	73	through	through	ADP
cblr-1772	67	74	the	the	DET
cblr-1772	67	75	mortgage	mortgage	NOUN
cblr-1772	67	76	mess	mess	NOUN
cblr-1772	67	77	,	,	PUNCT
cblr-1772	67	78	9	9	NUM
cblr-1772	67	79	hastings	hastings	PROPN
cblr-1772	67	80	bus	bus	NOUN
cblr-1772	67	81	.	.	PUNCT
cblr-1772	68	1	l.j	l.j	PROPN
cblr-1772	68	2	.	.	PROPN
cblr-1772	68	3	373	373	NUM
cblr-1772	68	4	,	,	PUNCT
cblr-1772	68	5	375	375	NUM
cblr-1772	68	6	(	(	PUNCT
cblr-1772	68	7	2013	2013	NUM
cblr-1772	68	8	)	)	PUNCT
cblr-1772	69	1	[	[	X
cblr-1772	69	2	hereinafter	hereinafter	NOUN
cblr-1772	69	3	hockett	hockett	NOUN
cblr-1772	69	4	,	,	PUNCT
cblr-1772	69	5	six	six	NUM
cblr-1772	69	6	years	year	NOUN
cblr-1772	69	7	]	]	PUNCT
cblr-1772	69	8	.	.	PUNCT
cblr-1772	69	9	8	8	NUM
cblr-1772	69	10	a	a	DET
cblr-1772	69	11	house	house	NOUN
cblr-1772	69	12	is	be	AUX
cblr-1772	69	13	“	"	PUNCT
cblr-1772	69	14	underwater	underwater	NOUN
cblr-1772	69	15	”	"	PUNCT
cblr-1772	69	16	when	when	SCONJ
cblr-1772	69	17	the	the	DET
cblr-1772	69	18	value	value	NOUN
cblr-1772	69	19	of	of	ADP
cblr-1772	69	20	the	the	DET
cblr-1772	69	21	house	house	NOUN
cblr-1772	69	22	is	be	AUX
cblr-1772	69	23	less	less	ADJ
cblr-1772	69	24	than	than	ADP
cblr-1772	69	25	the	the	DET
cblr-1772	69	26	outstanding	outstanding	ADJ
cblr-1772	69	27	principal	principal	NOUN
cblr-1772	69	28	on	on	ADP
cblr-1772	69	29	the	the	DET
cblr-1772	69	30	house	house	NOUN
cblr-1772	69	31	’s	’s	PART
cblr-1772	69	32	mortgage	mortgage	NOUN
cblr-1772	69	33	loan	loan	NOUN
cblr-1772	69	34	.	.	PUNCT
cblr-1772	70	1	see	see	VERB
cblr-1772	70	2	underwater	underwater	ADJ
cblr-1772	70	3	mortgage	mortgage	NOUN
cblr-1772	70	4	definition	definition	NOUN
cblr-1772	70	5	,	,	PUNCT
cblr-1772	70	6	investopedia	investopedia	PROPN
cblr-1772	70	7	,	,	PUNCT
cblr-1772	70	8	http://www.investopedia.com/terms/u/	http://www.investopedia.com/terms/u/	PROPN
cblr-1772	70	9	underwater-mortgage.asp	underwater-mortgage.asp	NOUN
cblr-1772	70	10	(	(	PUNCT
cblr-1772	70	11	last	last	ADV
cblr-1772	70	12	visited	visit	VERB
cblr-1772	70	13	mar	mar	PROPN
cblr-1772	70	14	.	.	PROPN
cblr-1772	70	15	5	5	NUM
cblr-1772	70	16	,	,	PUNCT
cblr-1772	70	17	2014	2014	NUM
cblr-1772	70	18	)	)	PUNCT
cblr-1772	70	19	.	.	PUNCT
cblr-1772	71	1	9	9	NUM
cblr-1772	71	2	see	see	VERB
cblr-1772	71	3	newsom	newsom	PROPN
cblr-1772	71	4	,	,	PUNCT
cblr-1772	71	5	supra	supra	PROPN
cblr-1772	71	6	note	note	NOUN
cblr-1772	71	7	3	3	NUM
cblr-1772	71	8	,	,	PUNCT
cblr-1772	71	9	at	at	ADP
cblr-1772	71	10	1	1	NUM
cblr-1772	71	11	.	.	PUNCT
cblr-1772	71	12	10	10	NUM
cblr-1772	71	13	see	see	VERB
cblr-1772	71	14	hockett	hockett	PROPN
cblr-1772	71	15	,	,	PUNCT
cblr-1772	71	16	six	six	NUM
cblr-1772	71	17	years	year	NOUN
cblr-1772	71	18	,	,	PUNCT
cblr-1772	71	19	supra	supra	PROPN
cblr-1772	71	20	note	note	PROPN
cblr-1772	71	21	7	7	NUM
cblr-1772	71	22	,	,	PUNCT
cblr-1772	71	23	at	at	ADP
cblr-1772	71	24	374	374	NUM
cblr-1772	71	25	.	.	NOUN
cblr-1772	71	26	11	11	NUM
cblr-1772	71	27	gridlock	gridlock	NOUN
cblr-1772	71	28	is	be	AUX
cblr-1772	71	29	a	a	DET
cblr-1772	71	30	result	result	NOUN
cblr-1772	71	31	of	of	ADP
cblr-1772	71	32	the	the	DET
cblr-1772	71	33	“	"	PUNCT
cblr-1772	71	34	tragedy	tragedy	NOUN
cblr-1772	71	35	of	of	ADP
cblr-1772	71	36	the	the	DET
cblr-1772	71	37	anticommons	anticommon	NOUN
cblr-1772	71	38	.	.	PUNCT
cblr-1772	71	39	”	"	PUNCT
cblr-1772	72	1	when	when	SCONJ
cblr-1772	72	2	private	private	ADJ
cblr-1772	72	3	property	property	NOUN
cblr-1772	72	4	(	(	PUNCT
cblr-1772	72	5	in	in	ADP
cblr-1772	72	6	this	this	DET
cblr-1772	72	7	case	case	NOUN
cblr-1772	72	8	,	,	PUNCT
cblr-1772	72	9	residential	residential	ADJ
cblr-1772	72	10	mortgages	mortgage	NOUN
cblr-1772	72	11	)	)	PUNCT
cblr-1772	72	12	is	be	AUX
cblr-1772	72	13	owned	own	VERB
cblr-1772	72	14	by	by	ADP
cblr-1772	72	15	too	too	ADV
cblr-1772	72	16	many	many	ADJ
cblr-1772	72	17	parties	party	NOUN
cblr-1772	72	18	,	,	PUNCT
cblr-1772	72	19	“	"	PUNCT
cblr-1772	72	20	everybody	everybody	PRON
cblr-1772	72	21	loses	lose	VERB
cblr-1772	72	22	.	.	PUNCT
cblr-1772	72	23	.	.	PUNCT
cblr-1772	72	24	.	.	PUNCT
cblr-1772	73	1	[	[	X
cblr-1772	73	2	since	since	SCONJ
cblr-1772	73	3	too	too	ADV
cblr-1772	73	4	much	much	ADJ
cblr-1772	73	5	private	private	ADJ
cblr-1772	73	6	ownership	ownership	NOUN
cblr-1772	73	7	]	]	PUNCT
cblr-1772	73	8	wrecks	wreck	NOUN
cblr-1772	73	9	markets	market	NOUN
cblr-1772	73	10	,	,	PUNCT
cblr-1772	73	11	stops	stop	VERB
cblr-1772	73	12	innovation	innovation	NOUN
cblr-1772	73	13	,	,	PUNCT
cblr-1772	73	14	and	and	CCONJ
cblr-1772	73	15	costs	cost	NOUN
cblr-1772	73	16	lives	life	NOUN
cblr-1772	73	17	.	.	PUNCT
cblr-1772	73	18	”	"	PUNCT
cblr-1772	74	1	michael	michael	PROPN
cblr-1772	74	2	heller	heller	PROPN
cblr-1772	74	3	,	,	PUNCT
cblr-1772	74	4	gridlock	gridlock	NOUN
cblr-1772	74	5	economy	economy	NOUN
cblr-1772	74	6	:	:	PUNCT
cblr-1772	74	7	how	how	SCONJ
cblr-1772	74	8	too	too	ADV
cblr-1772	74	9	much	much	ADJ
cblr-1772	74	10	ownership	ownership	NOUN
cblr-1772	74	11	wrecks	wreck	NOUN
cblr-1772	74	12	markets	market	NOUN
cblr-1772	74	13	,	,	PUNCT
cblr-1772	74	14	stops	stop	VERB
cblr-1772	74	15	innovation	innovation	NOUN
cblr-1772	74	16	,	,	PUNCT
cblr-1772	74	17	and	and	CCONJ
cblr-1772	74	18	costs	cost	NOUN
cblr-1772	74	19	lives	live	VERB
cblr-1772	74	20	2	2	NUM
cblr-1772	74	21	(	(	PUNCT
cblr-1772	74	22	2008	2008	NUM
cblr-1772	74	23	)	)	PUNCT
cblr-1772	74	24	.	.	PUNCT
cblr-1772	75	1	12	12	NUM
cblr-1772	75	2	see	see	VERB
cblr-1772	75	3	robert	robert	PROPN
cblr-1772	75	4	j.	j.	PROPN
cblr-1772	75	5	shiller	shiller	PROPN
cblr-1772	75	6	,	,	PUNCT
cblr-1772	75	7	reviving	revive	VERB
cblr-1772	75	8	real	real	ADJ
cblr-1772	75	9	estate	estate	NOUN
cblr-1772	75	10	requires	require	VERB
cblr-1772	75	11	collective	collective	ADJ
cblr-1772	75	12	action	action	NOUN
cblr-1772	75	13	,	,	PUNCT
cblr-1772	75	14	n.y	n.y	PROPN
cblr-1772	75	15	.	.	PROPN
cblr-1772	75	16	times	times	PROPN
cblr-1772	75	17	,	,	PUNCT
cblr-1772	75	18	june	june	PROPN
cblr-1772	75	19	24	24	NUM
cblr-1772	75	20	,	,	PUNCT
cblr-1772	75	21	2012	2012	NUM
cblr-1772	75	22	,	,	PUNCT
cblr-1772	75	23	at	at	ADP
cblr-1772	75	24	bu6	bu6	NOUN
cblr-1772	75	25	(	(	PUNCT
cblr-1772	75	26	arguing	argue	VERB
cblr-1772	75	27	the	the	DET
cblr-1772	75	28	inability	inability	NOUN
cblr-1772	75	29	of	of	ADP
cblr-1772	75	30	creditors	creditor	NOUN
cblr-1772	75	31	to	to	PART
cblr-1772	75	32	work	work	VERB
cblr-1772	75	33	together	together	ADV
cblr-1772	75	34	maintains	maintain	VERB
cblr-1772	75	35	high	high	ADJ
cblr-1772	75	36	levels	level	NOUN
cblr-1772	75	37	of	of	ADP
cblr-1772	75	38	debt	debt	NOUN
cblr-1772	75	39	)	)	PUNCT
cblr-1772	75	40	.	.	PUNCT
cblr-1772	76	1	no	no	INTJ
cblr-1772	76	2	.	.	PUNCT
cblr-1772	77	1	1:215	1:215	NUM
cblr-1772	77	2	]	]	X
cblr-1772	77	3	stemming	stem	VERB
cblr-1772	77	4	the	the	DET
cblr-1772	77	5	tide	tide	NOUN
cblr-1772	77	6	of	of	ADP
cblr-1772	77	7	foreclosure	foreclosure	NOUN
cblr-1772	77	8	219	219	NUM
cblr-1772	77	9	be	be	AUX
cblr-1772	77	10	repaid	repay	VERB
cblr-1772	77	11	.	.	PUNCT
cblr-1772	78	1	”13	”13	NOUN
cblr-1772	78	2	the	the	DET
cblr-1772	78	3	national	national	ADJ
cblr-1772	78	4	economy	economy	NOUN
cblr-1772	78	5	,	,	PUNCT
cblr-1772	78	6	consumer	consumer	NOUN
cblr-1772	78	7	spending	spending	NOUN
cblr-1772	78	8	,	,	PUNCT
cblr-1772	78	9	and	and	CCONJ
cblr-1772	78	10	housing	housing	NOUN
cblr-1772	78	11	prices	price	NOUN
cblr-1772	78	12	all	all	PRON
cblr-1772	78	13	stand	stand	VERB
cblr-1772	78	14	to	to	PART
cblr-1772	78	15	gain	gain	VERB
cblr-1772	78	16	if	if	SCONJ
cblr-1772	78	17	these	these	DET
cblr-1772	78	18	borrowers	borrower	NOUN
cblr-1772	78	19	are	be	AUX
cblr-1772	78	20	able	able	ADJ
cblr-1772	78	21	to	to	PART
cblr-1772	78	22	refinance	refinance	VERB
cblr-1772	78	23	their	their	PRON
cblr-1772	78	24	mortgages	mortgage	NOUN
cblr-1772	78	25	such	such	ADJ
cblr-1772	78	26	that	that	SCONJ
cblr-1772	78	27	the	the	DET
cblr-1772	78	28	mortgages	mortgage	NOUN
cblr-1772	78	29	reflect	reflect	VERB
cblr-1772	78	30	the	the	DET
cblr-1772	78	31	true	true	ADJ
cblr-1772	78	32	and	and	CCONJ
cblr-1772	78	33	fair	fair	ADJ
cblr-1772	78	34	market	market	NOUN
cblr-1772	78	35	value	value	NOUN
cblr-1772	78	36	of	of	ADP
cblr-1772	78	37	the	the	DET
cblr-1772	78	38	property	property	NOUN
cblr-1772	78	39	.	.	PUNCT
cblr-1772	79	1	this	this	DET
cblr-1772	79	2	note	note	NOUN
cblr-1772	79	3	evaluates	evaluate	VERB
cblr-1772	79	4	a	a	DET
cblr-1772	79	5	proposal	proposal	NOUN
cblr-1772	79	6	that	that	PRON
cblr-1772	79	7	aims	aim	VERB
cblr-1772	79	8	to	to	PART
cblr-1772	79	9	overcome	overcome	VERB
cblr-1772	79	10	this	this	DET
cblr-1772	79	11	collective	collective	ADJ
cblr-1772	79	12	action	action	NOUN
cblr-1772	79	13	problem	problem	NOUN
cblr-1772	79	14	by	by	ADP
cblr-1772	79	15	recalibrating	recalibrate	VERB
cblr-1772	79	16	the	the	DET
cblr-1772	79	17	value	value	NOUN
cblr-1772	79	18	of	of	ADP
cblr-1772	79	19	underwater	underwater	ADJ
cblr-1772	79	20	mortgages	mortgage	NOUN
cblr-1772	79	21	.	.	PUNCT
cblr-1772	80	1	the	the	DET
cblr-1772	80	2	earliest	early	ADJ
cblr-1772	80	3	version	version	NOUN
cblr-1772	80	4	of	of	ADP
cblr-1772	80	5	the	the	DET
cblr-1772	80	6	proposal	proposal	NOUN
cblr-1772	80	7	was	be	AUX
cblr-1772	80	8	considered	consider	VERB
cblr-1772	80	9	by	by	ADP
cblr-1772	80	10	san	san	PROPN
cblr-1772	80	11	bernardino	bernardino	PROPN
cblr-1772	80	12	county	county	PROPN
cblr-1772	80	13	,	,	PUNCT
cblr-1772	80	14	california	california	PROPN
cblr-1772	80	15	and	and	CCONJ
cblr-1772	80	16	the	the	DET
cblr-1772	80	17	city	city	NOUN
cblr-1772	80	18	of	of	ADP
cblr-1772	80	19	richmond	richmond	PROPN
cblr-1772	80	20	,	,	PUNCT
cblr-1772	80	21	california	california	PROPN
cblr-1772	80	22	in	in	ADP
cblr-1772	80	23	partnership	partnership	NOUN
cblr-1772	80	24	with	with	ADP
cblr-1772	80	25	venture	venture	NOUN
cblr-1772	80	26	capital	capital	NOUN
cblr-1772	80	27	firm	firm	NOUN
cblr-1772	80	28	mortgage	mortgage	NOUN
cblr-1772	80	29	resolution	resolution	NOUN
cblr-1772	80	30	partners	partner	NOUN
cblr-1772	80	31	(	(	PUNCT
cblr-1772	80	32	“	"	PUNCT
cblr-1772	80	33	mrp”).14	mrp”).14	NOUN
cblr-1772	80	34	it	it	PRON
cblr-1772	80	35	attempts	attempt	VERB
cblr-1772	80	36	to	to	PART
cblr-1772	80	37	prevent	prevent	VERB
cblr-1772	80	38	potential	potential	ADJ
cblr-1772	80	39	foreclosures	foreclosure	NOUN
cblr-1772	80	40	by	by	ADP
cblr-1772	80	41	reducing	reduce	VERB
cblr-1772	80	42	the	the	DET
cblr-1772	80	43	principal	principal	NOUN
cblr-1772	80	44	on	on	ADP
cblr-1772	80	45	mortgages	mortgage	NOUN
cblr-1772	80	46	that	that	PRON
cblr-1772	80	47	are	be	AUX
cblr-1772	80	48	currently	currently	ADV
cblr-1772	80	49	underwater	underwater	VERB
cblr-1772	80	50	,	,	PUNCT
cblr-1772	80	51	thereby	thereby	ADV
cblr-1772	80	52	reducing	reduce	VERB
cblr-1772	80	53	the	the	DET
cblr-1772	80	54	disparity	disparity	NOUN
cblr-1772	80	55	between	between	ADP
cblr-1772	80	56	the	the	DET
cblr-1772	80	57	current	current	ADJ
cblr-1772	80	58	home	home	NOUN
cblr-1772	80	59	value	value	NOUN
cblr-1772	80	60	and	and	CCONJ
cblr-1772	80	61	mortgage	mortgage	NOUN
cblr-1772	80	62	principal	principal	NOUN
cblr-1772	80	63	.	.	PUNCT
cblr-1772	81	1	by	by	ADP
cblr-1772	81	2	recalibrating	recalibrate	VERB
cblr-1772	81	3	the	the	DET
cblr-1772	81	4	equity	equity	NOUN
cblr-1772	81	5	for	for	ADP
cblr-1772	81	6	borrowers	borrower	NOUN
cblr-1772	81	7	currently	currently	ADV
cblr-1772	81	8	underwater	underwater	VERB
cblr-1772	81	9	,	,	PUNCT
cblr-1772	81	10	the	the	DET
cblr-1772	81	11	municipality	municipality	NOUN
cblr-1772	81	12	would	would	AUX
cblr-1772	81	13	relieve	relieve	VERB
cblr-1772	81	14	the	the	DET
cblr-1772	81	15	homeowner	homeowner	NOUN
cblr-1772	81	16	from	from	ADP
cblr-1772	81	17	burdensome	burdensome	ADJ
cblr-1772	81	18	mortgage	mortgage	NOUN
cblr-1772	81	19	payments	payment	NOUN
cblr-1772	81	20	and	and	CCONJ
cblr-1772	81	21	would	would	AUX
cblr-1772	81	22	stave	stave	VERB
cblr-1772	81	23	off	off	ADP
cblr-1772	81	24	foreclosure	foreclosure	NOUN
cblr-1772	81	25	.	.	PUNCT
cblr-1772	82	1	the	the	DET
cblr-1772	82	2	proposal	proposal	NOUN
cblr-1772	82	3	would	would	AUX
cblr-1772	82	4	use	use	VERB
cblr-1772	82	5	the	the	DET
cblr-1772	82	6	government	government	NOUN
cblr-1772	82	7	’s	’s	PART
cblr-1772	82	8	power	power	NOUN
cblr-1772	82	9	of	of	ADP
cblr-1772	82	10	eminent	eminent	ADJ
cblr-1772	82	11	domain	domain	NOUN
cblr-1772	82	12	to	to	PART
cblr-1772	82	13	seize	seize	VERB
cblr-1772	82	14	underwater	underwater	ADJ
cblr-1772	82	15	mortgages	mortgage	NOUN
cblr-1772	82	16	from	from	ADP
cblr-1772	82	17	the	the	DET
cblr-1772	82	18	financial	financial	ADJ
cblr-1772	82	19	institutions	institution	NOUN
cblr-1772	82	20	that	that	PRON
cblr-1772	82	21	hold	hold	VERB
cblr-1772	82	22	them	they	PRON
cblr-1772	82	23	,	,	PUNCT
cblr-1772	82	24	issuing	issue	VERB
cblr-1772	82	25	new	new	ADJ
cblr-1772	82	26	mortgages	mortgage	NOUN
cblr-1772	82	27	to	to	PART
cblr-1772	82	28	reflect	reflect	VERB
cblr-1772	82	29	the	the	DET
cblr-1772	82	30	fair	fair	ADJ
cblr-1772	82	31	market	market	NOUN
cblr-1772	82	32	value	value	NOUN
cblr-1772	82	33	of	of	ADP
cblr-1772	82	34	the	the	DET
cblr-1772	82	35	property.15	property.15	NOUN
cblr-1772	82	36	this	this	DET
cblr-1772	82	37	solution	solution	NOUN
cblr-1772	82	38	differs	differ	VERB
cblr-1772	82	39	from	from	ADP
cblr-1772	82	40	alternative	alternative	ADJ
cblr-1772	82	41	policy	policy	NOUN
cblr-1772	82	42	proposals	proposal	NOUN
cblr-1772	82	43	in	in	ADP
cblr-1772	82	44	the	the	DET
cblr-1772	82	45	wake	wake	NOUN
cblr-1772	82	46	of	of	ADP
cblr-1772	82	47	the	the	DET
cblr-1772	82	48	mortgage	mortgage	NOUN
cblr-1772	82	49	crisis	crisis	NOUN
cblr-1772	82	50	because	because	SCONJ
cblr-1772	82	51	it	it	PRON
cblr-1772	82	52	empowers	empower	VERB
cblr-1772	82	53	local	local	ADJ
cblr-1772	82	54	government	government	NOUN
cblr-1772	82	55	,	,	PUNCT
cblr-1772	82	56	the	the	DET
cblr-1772	82	57	entity	entity	NOUN
cblr-1772	82	58	most	most	ADV
cblr-1772	82	59	attuned	attuned	ADJ
cblr-1772	82	60	to	to	ADP
cblr-1772	82	61	community	community	NOUN
cblr-1772	82	62	issues	issue	NOUN
cblr-1772	82	63	.	.	PUNCT
cblr-1772	83	1	by	by	ADP
cblr-1772	83	2	focusing	focus	VERB
cblr-1772	83	3	efforts	effort	NOUN
cblr-1772	83	4	on	on	ADP
cblr-1772	83	5	the	the	DET
cblr-1772	83	6	hardest	hard	ADV
cblr-1772	83	7	-	-	PUNCT
cblr-1772	83	8	hit	hit	VERB
cblr-1772	83	9	areas	area	NOUN
cblr-1772	83	10	of	of	ADP
cblr-1772	83	11	the	the	DET
cblr-1772	83	12	country	country	NOUN
cblr-1772	83	13	,	,	PUNCT
cblr-1772	83	14	resources	resource	NOUN
cblr-1772	83	15	can	can	AUX
cblr-1772	83	16	be	be	AUX
cblr-1772	83	17	directed	direct	VERB
cblr-1772	83	18	in	in	ADP
cblr-1772	83	19	a	a	DET
cblr-1772	83	20	more	more	ADV
cblr-1772	83	21	efficient	efficient	ADJ
cblr-1772	83	22	manner	manner	NOUN
cblr-1772	83	23	.	.	PUNCT
cblr-1772	84	1	taxpayers	taxpayer	NOUN
cblr-1772	84	2	will	will	AUX
cblr-1772	84	3	not	not	PART
cblr-1772	84	4	be	be	AUX
cblr-1772	84	5	involved	involve	VERB
cblr-1772	84	6	,	,	PUNCT
cblr-1772	84	7	and	and	CCONJ
cblr-1772	84	8	the	the	DET
cblr-1772	84	9	government	government	NOUN
cblr-1772	84	10	will	will	AUX
cblr-1772	84	11	not	not	PART
cblr-1772	84	12	incur	incur	VERB
cblr-1772	84	13	any	any	DET
cblr-1772	84	14	costs	cost	NOUN
cblr-1772	84	15	beyond	beyond	ADP
cblr-1772	84	16	program	program	NOUN
cblr-1772	84	17	administration.16	administration.16	PROPN
cblr-1772	84	18	13	13	NUM
cblr-1772	84	19	newsom	newsom	PROPN
cblr-1772	84	20	,	,	PUNCT
cblr-1772	84	21	supra	supra	PROPN
cblr-1772	84	22	note	note	NOUN
cblr-1772	84	23	3	3	NUM
cblr-1772	84	24	,	,	PUNCT
cblr-1772	84	25	at	at	ADP
cblr-1772	84	26	1	1	NUM
cblr-1772	84	27	.	.	PUNCT
cblr-1772	84	28	14	14	NUM
cblr-1772	84	29	see	see	VERB
cblr-1772	84	30	generally	generally	ADV
cblr-1772	84	31	mortg	mortg	ADJ
cblr-1772	84	32	.	.	PUNCT
cblr-1772	85	1	resolution	resolution	NOUN
cblr-1772	85	2	partners	partner	NOUN
cblr-1772	85	3	,	,	PUNCT
cblr-1772	85	4	homeownership	homeownership	NOUN
cblr-1772	85	5	protection	protection	NOUN
cblr-1772	85	6	program	program	NOUN
cblr-1772	85	7	:	:	PUNCT
cblr-1772	85	8	a	a	DET
cblr-1772	85	9	solution	solution	NOUN
cblr-1772	85	10	to	to	ADP
cblr-1772	85	11	a	a	DET
cblr-1772	85	12	critical	critical	ADJ
cblr-1772	85	13	problem	problem	NOUN
cblr-1772	85	14	[	[	X
cblr-1772	85	15	hereinafter	hereinafter	NOUN
cblr-1772	85	16	mrp	mrp	NOUN
cblr-1772	85	17	proposal	proposal	NOUN
cblr-1772	85	18	]	]	PUNCT
cblr-1772	85	19	,	,	PUNCT
cblr-1772	85	20	available	available	ADJ
cblr-1772	85	21	at	at	ADP
cblr-1772	85	22	http://online.wsj.com/public/resources/	http://online.wsj.com/public/resources/	PROPN
cblr-1772	85	23	documents	document	NOUN
cblr-1772	85	24	/	/	SYM
cblr-1772	85	25	eminent	eminent	NOUN
cblr-1772	85	26	-	-	PUNCT
cblr-1772	85	27	powerpoint.pdf	powerpoint.pdf	NOUN
cblr-1772	85	28	(	(	PUNCT
cblr-1772	85	29	outlining	outline	VERB
cblr-1772	85	30	mrp	mrp	NOUN
cblr-1772	85	31	’s	’s	PART
cblr-1772	85	32	proposal	proposal	NOUN
cblr-1772	85	33	)	)	PUNCT
cblr-1772	85	34	;	;	PUNCT
cblr-1772	85	35	lydia	lydia	PROPN
cblr-1772	85	36	depillis	depillis	PROPN
cblr-1772	85	37	,	,	PUNCT
cblr-1772	85	38	richmond	richmond	PROPN
cblr-1772	85	39	’s	’s	PART
cblr-1772	85	40	rules	rule	NOUN
cblr-1772	85	41	:	:	PUNCT
cblr-1772	85	42	why	why	SCONJ
cblr-1772	85	43	one	one	NUM
cblr-1772	85	44	california	california	PROPN
cblr-1772	85	45	town	town	NOUN
cblr-1772	85	46	is	be	AUX
cblr-1772	85	47	keeping	keep	VERB
cblr-1772	85	48	wall	wall	PROPN
cblr-1772	85	49	street	street	PROPN
cblr-1772	85	50	up	up	ADP
cblr-1772	85	51	at	at	ADP
cblr-1772	85	52	night	night	NOUN
cblr-1772	85	53	,	,	PUNCT
cblr-1772	85	54	wash	wash	NOUN
cblr-1772	85	55	.	.	PUNCT
cblr-1772	86	1	post	post	NOUN
cblr-1772	86	2	wonkblog	wonkblog	X
cblr-1772	86	3	(	(	PUNCT
cblr-1772	86	4	oct	oct	PROPN
cblr-1772	86	5	.	.	PROPN
cblr-1772	86	6	5	5	NUM
cblr-1772	86	7	,	,	PUNCT
cblr-1772	86	8	2013	2013	NUM
cblr-1772	86	9	,	,	PUNCT
cblr-1772	86	10	11:08	11:08	NUM
cblr-1772	86	11	am	am	NOUN
cblr-1772	86	12	)	)	PUNCT
cblr-1772	86	13	,	,	PUNCT
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cblr-1772	86	15	15	15	NUM
cblr-1772	86	16	see	see	NOUN
cblr-1772	86	17	mrp	mrp	NOUN
cblr-1772	86	18	proposal	proposal	NOUN
cblr-1772	86	19	,	,	PUNCT
cblr-1772	86	20	supra	supra	PROPN
cblr-1772	86	21	note	note	NOUN
cblr-1772	86	22	14	14	NUM
cblr-1772	86	23	.	.	PUNCT
cblr-1772	87	1	16	16	NUM
cblr-1772	87	2	see	see	VERB
cblr-1772	87	3	i	i	PRON
cblr-1772	87	4	d.	d.	PROPN
cblr-1772	87	5	at	at	ADP
cblr-1772	87	6	4	4	NUM
cblr-1772	87	7	.	.	SYM
cblr-1772	87	8	220	220	NUM
cblr-1772	87	9	columbia	columbia	PROPN
cblr-1772	87	10	business	business	NOUN
cblr-1772	87	11	law	law	PROPN
cblr-1772	87	12	review	review	NOUN
cblr-1772	87	13	[	[	X
cblr-1772	87	14	vol	vol	NOUN
cblr-1772	87	15	.	.	PUNCT
cblr-1772	87	16	2014	2014	NUM
cblr-1772	88	1	this	this	DET
cblr-1772	88	2	note	note	NOUN
cblr-1772	88	3	will	will	AUX
cblr-1772	88	4	evaluate	evaluate	VERB
cblr-1772	88	5	and	and	CCONJ
cblr-1772	88	6	analyze	analyze	VERB
cblr-1772	88	7	the	the	DET
cblr-1772	88	8	constitutional	constitutional	ADJ
cblr-1772	88	9	and	and	CCONJ
cblr-1772	88	10	policy	policy	NOUN
cblr-1772	88	11	arguments	argument	NOUN
cblr-1772	88	12	for	for	ADP
cblr-1772	88	13	and	and	CCONJ
cblr-1772	88	14	against	against	ADP
cblr-1772	88	15	the	the	DET
cblr-1772	88	16	proposal	proposal	NOUN
cblr-1772	88	17	.	.	PUNCT
cblr-1772	89	1	in	in	ADP
cblr-1772	89	2	addition	addition	NOUN
cblr-1772	89	3	,	,	PUNCT
cblr-1772	89	4	it	it	PRON
cblr-1772	89	5	will	will	AUX
cblr-1772	89	6	focus	focus	VERB
cblr-1772	89	7	on	on	ADP
cblr-1772	89	8	san	san	PROPN
cblr-1772	89	9	bernardino	bernardino	PROPN
cblr-1772	89	10	county	county	PROPN
cblr-1772	89	11	and	and	CCONJ
cblr-1772	89	12	richmond	richmond	PROPN
cblr-1772	89	13	,	,	PUNCT
cblr-1772	89	14	california	california	PROPN
cblr-1772	89	15	as	as	SCONJ
cblr-1772	89	16	case	case	NOUN
cblr-1772	89	17	studies	study	NOUN
cblr-1772	89	18	of	of	ADP
cblr-1772	89	19	the	the	DET
cblr-1772	89	20	potential	potential	ADJ
cblr-1772	89	21	effects	effect	NOUN
cblr-1772	89	22	of	of	ADP
cblr-1772	89	23	the	the	DET
cblr-1772	89	24	proposal.17	proposal.17	PROPN
cblr-1772	89	25	part	part	NOUN
cblr-1772	89	26	ii	ii	PROPN
cblr-1772	89	27	will	will	AUX
cblr-1772	89	28	explain	explain	VERB
cblr-1772	89	29	how	how	SCONJ
cblr-1772	89	30	so	so	ADV
cblr-1772	89	31	many	many	ADJ
cblr-1772	89	32	borrowers	borrower	NOUN
cblr-1772	89	33	came	come	VERB
cblr-1772	89	34	to	to	PART
cblr-1772	89	35	possess	possess	VERB
cblr-1772	89	36	underwater	underwater	ADJ
cblr-1772	89	37	mortgages	mortgage	NOUN
cblr-1772	89	38	and	and	CCONJ
cblr-1772	89	39	why	why	SCONJ
cblr-1772	89	40	this	this	PRON
cblr-1772	89	41	is	be	AUX
cblr-1772	89	42	problematic	problematic	ADJ
cblr-1772	89	43	.	.	PUNCT
cblr-1772	90	1	part	part	NOUN
cblr-1772	90	2	iii	iii	PRON
cblr-1772	90	3	will	will	AUX
cblr-1772	90	4	outline	outline	VERB
cblr-1772	90	5	the	the	DET
cblr-1772	90	6	law	law	NOUN
cblr-1772	90	7	surrounding	surround	VERB
cblr-1772	90	8	limitations	limitation	NOUN
cblr-1772	90	9	on	on	ADP
cblr-1772	90	10	eminent	eminent	ADJ
cblr-1772	90	11	domain	domain	NOUN
cblr-1772	90	12	and	and	CCONJ
cblr-1772	90	13	part	part	NOUN
cblr-1772	90	14	iv	iv	PRON
cblr-1772	90	15	will	will	AUX
cblr-1772	90	16	explain	explain	VERB
cblr-1772	90	17	the	the	DET
cblr-1772	90	18	proposal	proposal	NOUN
cblr-1772	90	19	in	in	ADP
cblr-1772	90	20	detail	detail	NOUN
cblr-1772	90	21	.	.	PUNCT
cblr-1772	91	1	part	part	NOUN
cblr-1772	91	2	v	v	NOUN
cblr-1772	91	3	will	will	AUX
cblr-1772	91	4	evaluate	evaluate	VERB
cblr-1772	91	5	the	the	DET
cblr-1772	91	6	proposal	proposal	NOUN
cblr-1772	91	7	’s	’s	PART
cblr-1772	91	8	legality	legality	NOUN
cblr-1772	91	9	,	,	PUNCT
cblr-1772	91	10	addressing	address	VERB
cblr-1772	91	11	existing	exist	VERB
cblr-1772	91	12	challenges	challenge	NOUN
cblr-1772	91	13	from	from	ADP
cblr-1772	91	14	the	the	DET
cblr-1772	91	15	financial	financial	ADJ
cblr-1772	91	16	sector	sector	NOUN
cblr-1772	91	17	.	.	PUNCT
cblr-1772	92	1	ii	ii	PROPN
cblr-1772	92	2	.	.	PUNCT
cblr-1772	93	1	securitization	securitization	NOUN
cblr-1772	93	2	of	of	ADP
cblr-1772	93	3	residential	residential	ADJ
cblr-1772	93	4	mortgages	mortgage	NOUN
cblr-1772	93	5	the	the	DET
cblr-1772	93	6	consequences	consequence	NOUN
cblr-1772	93	7	of	of	ADP
cblr-1772	93	8	the	the	DET
cblr-1772	93	9	mass	mass	NOUN
cblr-1772	93	10	foreclosure	foreclosure	NOUN
cblr-1772	93	11	crisis	crisis	NOUN
cblr-1772	93	12	of	of	ADP
cblr-1772	93	13	the	the	DET
cblr-1772	93	14	last	last	ADJ
cblr-1772	93	15	decade	decade	NOUN
cblr-1772	93	16	are	be	AUX
cblr-1772	93	17	now	now	ADV
cblr-1772	93	18	familiar	familiar	ADJ
cblr-1772	93	19	.	.	PUNCT
cblr-1772	94	1	millions	million	NOUN
cblr-1772	94	2	of	of	ADP
cblr-1772	94	3	homeowners	homeowner	NOUN
cblr-1772	94	4	have	have	AUX
cblr-1772	94	5	been	be	AUX
cblr-1772	94	6	foreclosed	foreclose	VERB
cblr-1772	94	7	upon,18	upon,18	NOUN
cblr-1772	94	8	leading	lead	VERB
cblr-1772	94	9	to	to	ADP
cblr-1772	94	10	individual	individual	ADJ
cblr-1772	94	11	hardship	hardship	NOUN
cblr-1772	94	12	and	and	CCONJ
cblr-1772	94	13	negative	negative	ADJ
cblr-1772	94	14	externalities	externality	NOUN
cblr-1772	94	15	,	,	PUNCT
cblr-1772	94	16	such	such	ADJ
cblr-1772	94	17	as	as	ADP
cblr-1772	94	18	increased	increase	VERB
cblr-1772	94	19	crime	crime	NOUN
cblr-1772	94	20	,	,	PUNCT
cblr-1772	94	21	decreased	decrease	VERB
cblr-1772	94	22	housing	housing	NOUN
cblr-1772	94	23	prices	price	NOUN
cblr-1772	94	24	,	,	PUNCT
cblr-1772	94	25	reduced	reduce	VERB
cblr-1772	94	26	tax	tax	NOUN
cblr-1772	94	27	revenue	revenue	NOUN
cblr-1772	94	28	,	,	PUNCT
cblr-1772	94	29	and	and	CCONJ
cblr-1772	94	30	decreased	decrease	VERB
cblr-1772	94	31	social	social	ADJ
cblr-1772	94	32	capital.19	capital.19	NOUN
cblr-1772	94	33	the	the	DET
cblr-1772	94	34	u.s	u.s	PROPN
cblr-1772	94	35	.	.	PROPN
cblr-1772	94	36	mortgage	mortgage	NOUN
cblr-1772	94	37	markets	market	NOUN
cblr-1772	94	38	remain	remain	VERB
cblr-1772	94	39	one	one	NUM
cblr-1772	94	40	of	of	ADP
cblr-1772	94	41	the	the	DET
cblr-1772	94	42	principal	principal	NOUN
cblr-1772	94	43	drags	drag	VERB
cblr-1772	94	44	upon	upon	SCONJ
cblr-1772	94	45	economic	economic	ADJ
cblr-1772	94	46	recovery.20	recovery.20	NOUN
cblr-1772	94	47	then	then	ADV
cblr-1772	94	48	-	-	PUNCT
cblr-1772	94	49	federal	federal	ADJ
cblr-1772	94	50	17	17	NUM
cblr-1772	94	51	it	it	PRON
cblr-1772	94	52	is	be	AUX
cblr-1772	94	53	currently	currently	ADV
cblr-1772	94	54	unclear	unclear	ADJ
cblr-1772	94	55	whether	whether	SCONJ
cblr-1772	94	56	san	san	PROPN
cblr-1772	94	57	bernardino	bernardino	PROPN
cblr-1772	94	58	county	county	NOUN
cblr-1772	94	59	will	will	AUX
cblr-1772	94	60	adopt	adopt	VERB
cblr-1772	94	61	the	the	DET
cblr-1772	94	62	proposal	proposal	NOUN
cblr-1772	94	63	.	.	PUNCT
cblr-1772	95	1	mrp	mrp	NOUN
cblr-1772	95	2	is	be	AUX
cblr-1772	95	3	also	also	ADV
cblr-1772	95	4	approaching	approach	VERB
cblr-1772	95	5	other	other	ADJ
cblr-1772	95	6	cities	city	NOUN
cblr-1772	95	7	with	with	ADP
cblr-1772	95	8	its	its	PRON
cblr-1772	95	9	proposal	proposal	NOUN
cblr-1772	95	10	.	.	PUNCT
cblr-1772	96	1	telephone	telephone	NOUN
cblr-1772	96	2	interview	interview	NOUN
cblr-1772	96	3	with	with	ADP
cblr-1772	96	4	robert	robert	PROPN
cblr-1772	96	5	hockett	hockett	PROPN
cblr-1772	96	6	,	,	PUNCT
cblr-1772	96	7	professor	professor	NOUN
cblr-1772	96	8	,	,	PUNCT
cblr-1772	96	9	cornell	cornell	PROPN
cblr-1772	96	10	law	law	PROPN
cblr-1772	96	11	school	school	NOUN
cblr-1772	96	12	(	(	PUNCT
cblr-1772	96	13	apr	apr	PROPN
cblr-1772	96	14	.	.	PROPN
cblr-1772	96	15	12	12	NUM
cblr-1772	96	16	,	,	PUNCT
cblr-1772	96	17	2013	2013	NUM
cblr-1772	96	18	)	)	PUNCT
cblr-1772	96	19	.	.	PUNCT
cblr-1772	97	1	18	18	NUM
cblr-1772	97	2	in	in	ADP
cblr-1772	97	3	february	february	PROPN
cblr-1772	97	4	2009	2009	NUM
cblr-1772	97	5	,	,	PUNCT
cblr-1772	97	6	290,631	290,631	NUM
cblr-1772	97	7	u.s	u.s	PROPN
cblr-1772	97	8	.	.	PROPN
cblr-1772	97	9	properties	property	NOUN
cblr-1772	97	10	were	be	AUX
cblr-1772	97	11	foreclosed	foreclose	VERB
cblr-1772	97	12	on	on	ADP
cblr-1772	97	13	,	,	PUNCT
cblr-1772	97	14	up	up	ADV
cblr-1772	97	15	thirty	thirty	NUM
cblr-1772	97	16	percent	percent	NOUN
cblr-1772	97	17	from	from	ADP
cblr-1772	97	18	february	february	PROPN
cblr-1772	97	19	2008	2008	NUM
cblr-1772	97	20	and	and	CCONJ
cblr-1772	97	21	six	six	NUM
cblr-1772	97	22	percent	percent	NOUN
cblr-1772	97	23	from	from	ADP
cblr-1772	97	24	january	january	PROPN
cblr-1772	97	25	2009	2009	NUM
cblr-1772	97	26	.	.	PUNCT
cblr-1772	98	1	this	this	PRON
cblr-1772	98	2	marks	mark	VERB
cblr-1772	98	3	the	the	DET
cblr-1772	98	4	third	third	ADV
cblr-1772	98	5	highest	high	ADJ
cblr-1772	98	6	total	total	NOUN
cblr-1772	98	7	since	since	SCONJ
cblr-1772	98	8	realtytrac	realtytrac	NOUN
cblr-1772	98	9	began	begin	VERB
cblr-1772	98	10	reporting	report	VERB
cblr-1772	98	11	foreclosure	foreclosure	NOUN
cblr-1772	98	12	figures	figure	NOUN
cblr-1772	98	13	in	in	ADP
cblr-1772	98	14	january	january	PROPN
cblr-1772	98	15	2005	2005	NUM
cblr-1772	98	16	.	.	PUNCT
cblr-1772	99	1	see	see	VERB
cblr-1772	99	2	john	john	PROPN
cblr-1772	99	3	p.	p.	PROPN
cblr-1772	99	4	hunt	hunt	PROPN
cblr-1772	99	5	1	1	NUM
cblr-1772	99	6	(	(	PUNCT
cblr-1772	99	7	mar	mar	PROPN
cblr-1772	99	8	.	.	PROPN
cblr-1772	99	9	25	25	NUM
cblr-1772	99	10	,	,	PUNCT
cblr-1772	99	11	2009	2009	NUM
cblr-1772	99	12	)	)	PUNCT
cblr-1772	99	13	(	(	PUNCT
cblr-1772	99	14	unpublished	unpublished	ADJ
cblr-1772	99	15	paper	paper	NOUN
cblr-1772	99	16	)	)	PUNCT
cblr-1772	99	17	available	available	ADJ
cblr-1772	99	18	at	at	ADP
cblr-1772	99	19	http://ssrn.com/abstract=1369286	http://ssrn.com/abstract=1369286	PROPN
cblr-1772	99	20	.	.	PROPN
cblr-1772	99	21	19	19	NUM
cblr-1772	99	22	“	"	PUNCT
cblr-1772	99	23	a	a	DET
cblr-1772	99	24	high	high	ADJ
cblr-1772	99	25	foreclosure	foreclosure	NOUN
cblr-1772	99	26	rate	rate	NOUN
cblr-1772	99	27	creates	create	VERB
cblr-1772	99	28	negative	negative	ADJ
cblr-1772	99	29	externalities	externality	NOUN
cblr-1772	99	30	for	for	ADP
cblr-1772	99	31	communities	community	NOUN
cblr-1772	99	32	.	.	PUNCT
cblr-1772	100	1	foreclosures	foreclosure	NOUN
cblr-1772	100	2	impose	impose	VERB
cblr-1772	100	3	new	new	ADJ
cblr-1772	100	4	costs	cost	NOUN
cblr-1772	100	5	on	on	ADP
cblr-1772	100	6	communities	community	NOUN
cblr-1772	100	7	,	,	PUNCT
cblr-1772	100	8	as	as	SCONJ
cblr-1772	100	9	foreclosed	foreclose	VERB
cblr-1772	100	10	properties	property	NOUN
cblr-1772	100	11	are	be	AUX
cblr-1772	100	12	often	often	ADV
cblr-1772	100	13	magnets	magnet	NOUN
cblr-1772	100	14	for	for	ADP
cblr-1772	100	15	crime	crime	NOUN
cblr-1772	100	16	and	and	CCONJ
cblr-1772	100	17	fire	fire	NOUN
cblr-1772	100	18	;	;	PUNCT
cblr-1772	100	19	push	push	VERB
cblr-1772	100	20	down	down	ADP
cblr-1772	100	21	the	the	DET
cblr-1772	100	22	price	price	NOUN
cblr-1772	100	23	of	of	ADP
cblr-1772	100	24	neighboring	neighboring	NOUN
cblr-1772	100	25	properties	property	NOUN
cblr-1772	100	26	;	;	PUNCT
cblr-1772	100	27	and	and	CCONJ
cblr-1772	100	28	reduce	reduce	VERB
cblr-1772	100	29	property	property	NOUN
cblr-1772	100	30	tax	tax	NOUN
cblr-1772	100	31	revenue	revenue	NOUN
cblr-1772	100	32	for	for	ADP
cblr-1772	100	33	local	local	ADJ
cblr-1772	100	34	governments	government	NOUN
cblr-1772	100	35	.	.	PUNCT
cblr-1772	101	1	foreclosures	foreclosure	NOUN
cblr-1772	101	2	also	also	ADV
cblr-1772	101	3	have	have	VERB
cblr-1772	101	4	unquantifiable	unquantifiable	ADJ
cblr-1772	101	5	costs	cost	NOUN
cblr-1772	101	6	as	as	SCONJ
cblr-1772	101	7	debtors	debtor	NOUN
cblr-1772	101	8	’	'	PUNCT
cblr-1772	101	9	relocation	relocation	NOUN
cblr-1772	101	10	affects	affect	VERB
cblr-1772	101	11	social	social	ADJ
cblr-1772	101	12	relationships	relationship	NOUN
cblr-1772	101	13	.	.	PUNCT
cblr-1772	102	1	foreclosures	foreclosure	NOUN
cblr-1772	102	2	have	have	AUX
cblr-1772	102	3	even	even	ADV
cblr-1772	102	4	been	be	AUX
cblr-1772	102	5	linked	link	VERB
cblr-1772	102	6	to	to	ADP
cblr-1772	102	7	public	public	ADJ
cblr-1772	102	8	health	health	NOUN
cblr-1772	102	9	problems	problem	NOUN
cblr-1772	102	10	.	.	PUNCT
cblr-1772	102	11	.	.	PUNCT
cblr-1772	102	12	.	.	PUNCT
cblr-1772	103	1	.	.	PUNCT
cblr-1772	103	2	”	"	PUNCT
cblr-1772	104	1	anna	anna	PROPN
cblr-1772	104	2	gelpern	gelpern	PROPN
cblr-1772	104	3	&	&	CCONJ
cblr-1772	104	4	adam	adam	PROPN
cblr-1772	104	5	j.	j.	PROPN
cblr-1772	104	6	levitin	levitin	PROPN
cblr-1772	104	7	,	,	PUNCT
cblr-1772	104	8	rewriting	rewrite	VERB
cblr-1772	104	9	frankenstein	frankenstein	ADJ
cblr-1772	104	10	contracts	contract	NOUN
cblr-1772	104	11	:	:	PUNCT
cblr-1772	104	12	workout	workout	NOUN
cblr-1772	104	13	prohibitions	prohibition	NOUN
cblr-1772	104	14	in	in	ADP
cblr-1772	104	15	residential	residential	ADJ
cblr-1772	104	16	mortgage	mortgage	NOUN
cblr-1772	104	17	-	-	PUNCT
cblr-1772	104	18	backed	back	VERB
cblr-1772	104	19	securities	security	NOUN
cblr-1772	104	20	,	,	PUNCT
cblr-1772	104	21	82	82	NUM
cblr-1772	104	22	s.	s.	PROPN
cblr-1772	104	23	cal	cal	PROPN
cblr-1772	104	24	.	.	PUNCT
cblr-1772	105	1	l.	l.	PROPN
cblr-1772	105	2	rev	rev	PROPN
cblr-1772	105	3	.	.	PROPN
cblr-1772	105	4	1075	1075	NUM
cblr-1772	105	5	,	,	PUNCT
cblr-1772	105	6	1125	1125	NUM
cblr-1772	105	7	(	(	PUNCT
cblr-1772	105	8	2009	2009	NUM
cblr-1772	105	9	)	)	PUNCT
cblr-1772	105	10	.	.	PUNCT
cblr-1772	106	1	20	20	NUM
cblr-1772	106	2	see	see	VERB
cblr-1772	106	3	hockett	hockett	NOUN
cblr-1772	106	4	,	,	PUNCT
cblr-1772	106	5	six	six	NUM
cblr-1772	106	6	years	year	NOUN
cblr-1772	106	7	,	,	PUNCT
cblr-1772	106	8	supra	supra	PROPN
cblr-1772	106	9	note	note	PROPN
cblr-1772	106	10	7	7	NUM
cblr-1772	106	11	,	,	PUNCT
cblr-1772	106	12	at	at	ADP
cblr-1772	106	13	374	374	NUM
cblr-1772	106	14	.	.	PUNCT