id	sid	tid	token	lemma	pos
cblr-2965	1	1	mutual	mutual	ADJ
cblr-2965	1	2	fund	fund	NOUN
cblr-2965	1	3	investors	investor	NOUN
cblr-2965	1	4	:	:	PUNCT
cblr-2965	1	5	divergent	divergent	ADJ
cblr-2965	1	6	profiles	profile	NOUN
cblr-2965	1	7	mutual	mutual	ADJ
cblr-2965	1	8	fund	fund	NOUN
cblr-2965	1	9	investors	investor	NOUN
cblr-2965	1	10	:	:	PUNCT
cblr-2965	1	11	divergent	divergent	ADJ
cblr-2965	1	12	profiles	profile	NOUN
cblr-2965	1	13	alan	alan	PROPN
cblr-2965	1	14	r.	r.	PROPN
cblr-2965	1	15	palmiter	palmiter	PROPN
cblr-2965	1	16	&	&	CCONJ
cblr-2965	1	17	ahmed	ahmed	PROPN
cblr-2965	1	18	e.	e.	PROPN
cblr-2965	1	19	taha	taha	PROPN
cblr-2965	1	20	*	*	PROPN
cblr-2965	1	21	1	1	PROPN
cblr-2965	1	22	.	.	PUNCT
cblr-2965	1	23	introduction	introduction	NOUN
cblr-2965	1	24	................................................................	................................................................	PUNCT
cblr-2965	1	25	937	937	NUM
cblr-2965	1	26	ii	ii	NOUN
cblr-2965	1	27	.	.	PUNCT
cblr-2965	2	1	the	the	DET
cblr-2965	2	2	mutual	mutual	ADJ
cblr-2965	2	3	fund	fund	NOUN
cblr-2965	2	4	market	market	NOUN
cblr-2965	2	5	..........................................	..........................................	PUNCT
cblr-2965	2	6	940	940	NUM
cblr-2965	2	7	iii	iii	NOUN
cblr-2965	2	8	.	.	PUNCT
cblr-2965	2	9	industry	industry	NOUN
cblr-2965	2	10	's	's	PART
cblr-2965	2	11	portrait	portrait	NOUN
cblr-2965	2	12	of	of	ADP
cblr-2965	2	13	fund	fund	NOUN
cblr-2965	2	14	investors	investor	NOUN
cblr-2965	2	15	:	:	PUNCT
cblr-2965	2	16	sophisticated	sophisticated	ADJ
cblr-2965	2	17	and	and	CCONJ
cblr-2965	2	18	informed	inform	VERB
cblr-2965	2	19	.......................................	.......................................	PUNCT
cblr-2965	2	20	945	945	NUM
cblr-2965	2	21	a.	a.	NOUN
cblr-2965	2	22	ici	ici	PROPN
cblr-2965	2	23	survey	survey	NOUN
cblr-2965	2	24	of	of	ADP
cblr-2965	2	25	(	(	PUNCT
cblr-2965	2	26	some	some	PRON
cblr-2965	2	27	)	)	PUNCT
cblr-2965	2	28	fund	fund	NOUN
cblr-2965	2	29	investors	investor	NOUN
cblr-2965	2	30	.................	.................	PUNCT
cblr-2965	3	1	946	946	NUM
cblr-2965	3	2	1	1	NUM
cblr-2965	3	3	.	.	PUNCT
cblr-2965	3	4	survey	survey	NOUN
cblr-2965	3	5	findings	finding	NOUN
cblr-2965	3	6	..............................................	..............................................	PUNCT
cblr-2965	4	1	947	947	NUM
cblr-2965	4	2	2	2	NUM
cblr-2965	4	3	.	.	PUNCT
cblr-2965	4	4	summary	summary	NOUN
cblr-2965	4	5	and	and	CCONJ
cblr-2965	4	6	analysis	analysis	NOUN
cblr-2965	4	7	..................................	..................................	PUNCT
cblr-2965	4	8	948	948	NUM
cblr-2965	4	9	b.	b.	PROPN
cblr-2965	4	10	ici	ici	PROPN
cblr-2965	4	11	statements	statement	NOUN
cblr-2965	4	12	regarding	regard	VERB
cblr-2965	4	13	fund	fund	NOUN
cblr-2965	4	14	investors	investor	NOUN
cblr-2965	4	15	........	........	PUNCT
cblr-2965	5	1	948	948	NUM
cblr-2965	5	2	1	1	NUM
cblr-2965	5	3	.	.	PUNCT
cblr-2965	6	1	investors	investor	NOUN
cblr-2965	6	2	are	be	AUX
cblr-2965	6	3	sensitive	sensitive	ADJ
cblr-2965	6	4	to	to	PART
cblr-2965	6	5	fund	fund	NOUN
cblr-2965	6	6	costs	cost	NOUN
cblr-2965	6	7	..........	..........	PUNCT
cblr-2965	7	1	949	949	NUM
cblr-2965	7	2	2	2	X
cblr-2965	7	3	.	.	PUNCT
cblr-2965	7	4	investors	investor	NOUN
cblr-2965	7	5	access	access	VERB
cblr-2965	7	6	large	large	ADJ
cblr-2965	7	7	amounts	amount	NOUN
cblr-2965	7	8	of	of	ADP
cblr-2965	7	9	fund	fund	NOUN
cblr-2965	7	10	inform	inform	NOUN
cblr-2965	7	11	ation	ation	PROPN
cblr-2965	7	12	.....................................................	.....................................................	PUNCT
cblr-2965	7	13	952	952	NUM
cblr-2965	7	14	3	3	X
cblr-2965	7	15	.	.	X
cblr-2965	8	1	summary	summary	NOUN
cblr-2965	8	2	and	and	CCONJ
cblr-2965	8	3	analysis	analysis	NOUN
cblr-2965	8	4	..................................	..................................	PUNCT
cblr-2965	8	5	956	956	NUM
cblr-2965	8	6	iv	iv	NOUN
cblr-2965	8	7	.	.	PUNCT
cblr-2965	9	1	sec	sec	PROPN
cblr-2965	9	2	's	's	PART
cblr-2965	9	3	portrait	portrait	NOUN
cblr-2965	9	4	of	of	ADP
cblr-2965	9	5	fund	fund	NOUN
cblr-2965	9	6	investors	investor	NOUN
cblr-2965	9	7	:	:	PUNCT
cblr-2965	9	8	capable	capable	ADJ
cblr-2965	9	9	(	(	PUNCT
cblr-2965	9	10	with	with	ADP
cblr-2965	9	11	som	som	PROPN
cblr-2965	9	12	e	e	PROPN
cblr-2965	9	13	h	h	PROPN
cblr-2965	9	14	elp	elp	PROPN
cblr-2965	9	15	)	)	PUNCT
cblr-2965	9	16	..................................................................	..................................................................	PUNCT
cblr-2965	10	1	956	956	NUM
cblr-2965	10	2	a.	a.	NOUN
cblr-2965	10	3	sec	sec	PROPN
cblr-2965	10	4	regulation	regulation	NOUN
cblr-2965	10	5	of	of	ADP
cblr-2965	10	6	fund	fund	NOUN
cblr-2965	10	7	disclosure	disclosure	NOUN
cblr-2965	10	8	....................	....................	PUNCT
cblr-2965	10	9	957	957	NUM
cblr-2965	10	10	1	1	NUM
cblr-2965	10	11	.	.	PUNCT
cblr-2965	10	12	streamlined	streamline	VERB
cblr-2965	10	13	disclosure	disclosure	NOUN
cblr-2965	10	14	..................................	..................................	PUNCT
cblr-2965	10	15	957	957	NUM
cblr-2965	10	16	2	2	NUM
cblr-2965	10	17	.	.	PUNCT
cblr-2965	10	18	standardized	standardized	ADJ
cblr-2965	10	19	disclosure	disclosure	NOUN
cblr-2965	10	20	................................	................................	PUNCT
cblr-2965	10	21	957	957	NUM
cblr-2965	10	22	3	3	NUM
cblr-2965	10	23	.	.	PUNCT
cblr-2965	10	24	plain	plain	ADJ
cblr-2965	10	25	english	english	ADJ
cblr-2965	10	26	disclosure	disclosure	NOUN
cblr-2965	10	27	................................	................................	PUNCT
cblr-2965	10	28	957	957	NUM
cblr-2965	10	29	4	4	NUM
cblr-2965	10	30	.	.	X
cblr-2965	11	1	summary	summary	NOUN
cblr-2965	11	2	and	and	CCONJ
cblr-2965	11	3	analysis	analysis	NOUN
cblr-2965	11	4	..................................	..................................	PUNCT
cblr-2965	11	5	957	957	NUM
cblr-2965	11	6	b.	b.	PROPN
cblr-2965	11	7	sec	sec	PROPN
cblr-2965	11	8	regulation	regulation	NOUN
cblr-2965	11	9	of	of	ADP
cblr-2965	11	10	fund	fund	NOUN
cblr-2965	11	11	advertising	advertising	NOUN
cblr-2965	11	12	.................	.................	PUNCT
cblr-2965	12	1	957	957	NUM
cblr-2965	12	2	1	1	NUM
cblr-2965	12	3	.	.	PUNCT
cblr-2965	12	4	required	require	VERB
cblr-2965	12	5	w	w	NOUN
cblr-2965	12	6	arnings	arning	NOUN
cblr-2965	12	7	.........................................	.........................................	PUNCT
cblr-2965	12	8	957	957	NUM
cblr-2965	12	9	2	2	NUM
cblr-2965	12	10	.	.	PUNCT
cblr-2965	12	11	standardized	standardized	ADJ
cblr-2965	12	12	performance	performance	NOUN
cblr-2965	12	13	data	datum	NOUN
cblr-2965	12	14	...................	...................	PUNCT
cblr-2965	13	1	957	957	NUM
cblr-2965	13	2	3	3	X
cblr-2965	13	3	.	.	X
cblr-2965	13	4	summary	summary	NOUN
cblr-2965	13	5	and	and	CCONJ
cblr-2965	13	6	analysis	analysis	NOUN
cblr-2965	13	7	..................................	..................................	PUNCT
cblr-2965	13	8	957	957	NUM
cblr-2965	13	9	c.	c.	PROPN
cblr-2965	13	10	sec	sec	PROPN
cblr-2965	13	11	efforts	effort	NOUN
cblr-2965	13	12	to	to	PART
cblr-2965	13	13	educate	educate	VERB
cblr-2965	13	14	investors	investor	NOUN
cblr-2965	13	15	.......................	.......................	PUNCT
cblr-2965	14	1	957	957	NUM
cblr-2965	14	2	1	1	NUM
cblr-2965	14	3	.	.	PUNCT
cblr-2965	14	4	warnings	warning	NOUN
cblr-2965	14	5	about	about	ADP
cblr-2965	14	6	past	past	ADJ
cblr-2965	14	7	performance	performance	NOUN
cblr-2965	14	8	...............	...............	PUNCT
cblr-2965	14	9	957	957	NUM
cblr-2965	14	10	2	2	NUM
cblr-2965	14	11	.	.	X
cblr-2965	14	12	warnings	warning	NOUN
cblr-2965	14	13	about	about	ADP
cblr-2965	14	14	fees	fee	NOUN
cblr-2965	14	15	and	and	CCONJ
cblr-2965	14	16	expenses	expense	NOUN
cblr-2965	14	17	.............	.............	PUNCT
cblr-2965	14	18	957	957	NUM
cblr-2965	14	19	3	3	X
cblr-2965	14	20	.	.	X
cblr-2965	15	1	summary	summary	NOUN
cblr-2965	15	2	and	and	CCONJ
cblr-2965	15	3	analysis	analysis	NOUN
cblr-2965	15	4	..................................	..................................	PUNCT
cblr-2965	15	5	957	957	NUM
cblr-2965	15	6	v.	v.	ADP
cblr-2965	15	7	academic	academic	ADJ
cblr-2965	15	8	literature	literature	NOUN
cblr-2965	15	9	's	's	PART
cblr-2965	15	10	profile	profile	NOUN
cblr-2965	15	11	of	of	ADP
cblr-2965	15	12	fund	fund	NOUN
cblr-2965	15	13	investors	investor	NOUN
cblr-2965	15	14	:	:	PUNCT
cblr-2965	15	15	m	m	VERB
cblr-2965	15	16	ostly	ostly	ADV
cblr-2965	15	17	clueless	clueless	ADJ
cblr-2965	15	18	..........................................................	..........................................................	PUNCT
cblr-2965	16	1	957	957	NUM
cblr-2965	16	2	*	*	PUNCT
cblr-2965	16	3	professors	professor	NOUN
cblr-2965	16	4	of	of	ADP
cblr-2965	16	5	law	law	NOUN
cblr-2965	16	6	,	,	PUNCT
cblr-2965	16	7	wake	wake	VERB
cblr-2965	16	8	forest	forest	NOUN
cblr-2965	16	9	university	university	NOUN
cblr-2965	16	10	school	school	NOUN
cblr-2965	16	11	of	of	ADP
cblr-2965	16	12	law	law	NOUN
cblr-2965	16	13	.	.	PUNCT
cblr-2965	17	1	the	the	DET
cblr-2965	17	2	authors	author	NOUN
cblr-2965	17	3	thank	thank	VERB
cblr-2965	17	4	andrew	andrew	PROPN
cblr-2965	17	5	heiden	heiden	PROPN
cblr-2965	17	6	(	(	PUNCT
cblr-2965	17	7	'	'	NUM
cblr-2965	17	8	09	09	NUM
cblr-2965	17	9	)	)	PUNCT
cblr-2965	17	10	,	,	PUNCT
cblr-2965	17	11	clay	clay	NOUN
cblr-2965	17	12	scheffel	scheffel	NOUN
cblr-2965	17	13	(	(	PUNCT
cblr-2965	17	14	'	'	NUM
cblr-2965	17	15	09	09	NUM
cblr-2965	17	16	)	)	PUNCT
cblr-2965	17	17	,	,	PUNCT
cblr-2965	17	18	and	and	CCONJ
cblr-2965	17	19	bue	bue	PROPN
cblr-2965	17	20	mcneally	mcneally	ADV
cblr-2965	17	21	(	(	PUNCT
cblr-2965	17	22	'	'	NUM
cblr-2965	17	23	10	10	NUM
cblr-2965	17	24	)	)	PUNCT
cblr-2965	17	25	for	for	ADP
cblr-2965	17	26	their	their	PRON
cblr-2965	17	27	research	research	NOUN
cblr-2965	17	28	assistance	assistance	NOUN
cblr-2965	17	29	.	.	PUNCT
cblr-2965	18	1	we	we	PRON
cblr-2965	18	2	also	also	ADV
cblr-2965	18	3	appreciate	appreciate	VERB
cblr-2965	18	4	comments	comment	NOUN
cblr-2965	18	5	by	by	ADP
cblr-2965	18	6	participants	participant	NOUN
cblr-2965	18	7	at	at	ADP
cblr-2965	18	8	the	the	DET
cblr-2965	18	9	law	law	NOUN
cblr-2965	18	10	&	&	CCONJ
cblr-2965	18	11	markets	market	NOUN
cblr-2965	18	12	workshop	workshop	NOUN
cblr-2965	18	13	at	at	ADP
cblr-2965	18	14	duke	duke	PROPN
cblr-2965	18	15	law	law	NOUN
cblr-2965	18	16	school	school	NOUN
cblr-2965	18	17	.	.	PUNCT
cblr-2965	19	1	mutual	mutual	ADJ
cblr-2965	19	2	fund	fund	NOUN
cblr-2965	19	3	investors	investor	NOUN
cblr-2965	19	4	a.	a.	NOUN
cblr-2965	19	5	investors	investor	NOUN
cblr-2965	19	6	are	be	AUX
cblr-2965	19	7	ignorant	ignorant	ADJ
cblr-2965	19	8	of	of	ADP
cblr-2965	19	9	basic	basic	ADJ
cblr-2965	19	10	fund	fund	NOUN
cblr-2965	19	11	characteristics	characteristic	NOUN
cblr-2965	19	12	.....................................................	.....................................................	PUNCT
cblr-2965	20	1	957	957	NUM
cblr-2965	20	2	b.	b.	NOUN
cblr-2965	20	3	investors	investor	NOUN
cblr-2965	20	4	are	be	AUX
cblr-2965	20	5	inattentive	inattentive	ADJ
cblr-2965	20	6	to	to	PART
cblr-2965	20	7	risk	risk	VERB
cblr-2965	20	8	.......................	.......................	PUNCT
cblr-2965	20	9	957	957	NUM
cblr-2965	20	10	1	1	NUM
cblr-2965	20	11	.	.	PUNCT
cblr-2965	20	12	indifference	indifference	NOUN
cblr-2965	20	13	to	to	PART
cblr-2965	20	14	risk	risk	NOUN
cblr-2965	20	15	measures	measure	NOUN
cblr-2965	20	16	.......................	.......................	PUNCT
cblr-2965	20	17	957	957	NUM
cblr-2965	20	18	2	2	NUM
cblr-2965	20	19	.	.	PUNCT
cblr-2965	20	20	only	only	ADV
cblr-2965	20	21	weak	weak	ADJ
cblr-2965	20	22	reliance	reliance	NOUN
cblr-2965	20	23	on	on	ADP
cblr-2965	20	24	risk	risk	NOUN
cblr-2965	20	25	ratings	rating	NOUN
cblr-2965	20	26	............	............	PUNCT
cblr-2965	21	1	957	957	NUM
cblr-2965	21	2	3	3	X
cblr-2965	21	3	.	.	X
cblr-2965	21	4	summary	summary	NOUN
cblr-2965	21	5	and	and	CCONJ
cblr-2965	21	6	analysis	analysis	NOUN
cblr-2965	21	7	..................................	..................................	PUNCT
cblr-2965	21	8	957	957	NUM
cblr-2965	21	9	c.	c.	NOUN
cblr-2965	21	10	investors	investor	NOUN
cblr-2965	21	11	pay	pay	VERB
cblr-2965	21	12	insufficient	insufficient	ADJ
cblr-2965	21	13	attention	attention	NOUN
cblr-2965	21	14	to	to	ADP
cblr-2965	21	15	fees	fee	NOUN
cblr-2965	21	16	and	and	CCONJ
cblr-2965	21	17	expenses	expense	NOUN
cblr-2965	21	18	.......................................................	.......................................................	PUNCT
cblr-2965	22	1	957	957	NUM
cblr-2965	22	2	1	1	NUM
cblr-2965	22	3	.	.	PUNCT
cblr-2965	22	4	surveys	survey	NOUN
cblr-2965	22	5	of	of	ADP
cblr-2965	22	6	fund	fund	NOUN
cblr-2965	22	7	investors	investor	NOUN
cblr-2965	22	8	.............................	.............................	PUNCT
cblr-2965	22	9	957	957	NUM
cblr-2965	22	10	2	2	NUM
cblr-2965	22	11	.	.	PUNCT
cblr-2965	23	1	other	other	ADJ
cblr-2965	23	2	studies	study	NOUN
cblr-2965	23	3	of	of	ADP
cblr-2965	23	4	investor	investor	NOUN
cblr-2965	23	5	behavior	behavior	NOUN
cblr-2965	23	6	...............	...............	PUNCT
cblr-2965	23	7	957	957	NUM
cblr-2965	23	8	3	3	X
cblr-2965	23	9	.	.	PUNCT
cblr-2965	23	10	evidence	evidence	NOUN
cblr-2965	23	11	from	from	ADP
cblr-2965	23	12	index	index	NOUN
cblr-2965	23	13	funds	fund	NOUN
cblr-2965	23	14	...........................	...........................	PUNCT
cblr-2965	24	1	957	957	NUM
cblr-2965	24	2	4	4	NUM
cblr-2965	24	3	.	.	X
cblr-2965	24	4	summary	summary	NOUN
cblr-2965	24	5	and	and	CCONJ
cblr-2965	24	6	analysis	analysis	NOUN
cblr-2965	24	7	..................................	..................................	PUNCT
cblr-2965	24	8	957	957	NUM
cblr-2965	24	9	d.	d.	NOUN
cblr-2965	24	10	investors	investor	NOUN
cblr-2965	24	11	increasingly	increasingly	ADV
cblr-2965	24	12	pay	pay	VERB
cblr-2965	24	13	attention	attention	NOUN
cblr-2965	24	14	to	to	ADP
cblr-2965	24	15	loads	load	NOUN
cblr-2965	24	16	..	..	PUNCT
cblr-2965	25	1	957	957	NUM
cblr-2965	25	2	1	1	NUM
cblr-2965	25	3	.	.	PUNCT
cblr-2965	25	4	studies	study	NOUN
cblr-2965	25	5	of	of	ADP
cblr-2965	25	6	loads	load	NOUN
cblr-2965	25	7	..............................................	..............................................	PUNCT
cblr-2965	25	8	957	957	NUM
cblr-2965	25	9	2	2	NUM
cblr-2965	25	10	.	.	PUNCT
cblr-2965	26	1	studies	study	NOUN
cblr-2965	26	2	of	of	ADP
cblr-2965	26	3	12b-1	12b-1	NUM
cblr-2965	26	4	fees	fee	NOUN
cblr-2965	26	5	......................................	......................................	PUNCT
cblr-2965	26	6	957	957	NUM
cblr-2965	26	7	3	3	X
cblr-2965	26	8	.	.	X
cblr-2965	27	1	summary	summary	NOUN
cblr-2965	27	2	and	and	CCONJ
cblr-2965	27	3	analysis	analysis	NOUN
cblr-2965	27	4	..................................	..................................	PUNCT
cblr-2965	27	5	957	957	NUM
cblr-2965	27	6	e.	e.	PROPN
cblr-2965	27	7	investors	investor	NOUN
cblr-2965	27	8	chase	chase	VERB
cblr-2965	27	9	past	past	ADJ
cblr-2965	27	10	returns	return	NOUN
cblr-2965	27	11	.............................	.............................	PUNCT
cblr-2965	28	1	957	957	NUM
cblr-2965	28	2	1	1	NUM
cblr-2965	28	3	.	.	PUNCT
cblr-2965	28	4	investor	investor	NOUN
cblr-2965	28	5	surveys	survey	NOUN
cblr-2965	28	6	and	and	CCONJ
cblr-2965	28	7	experiments	experiment	NOUN
cblr-2965	28	8	...............	...............	PUNCT
cblr-2965	28	9	957	957	NUM
cblr-2965	28	10	2	2	NUM
cblr-2965	28	11	.	.	PUNCT
cblr-2965	28	12	other	other	ADJ
cblr-2965	28	13	studies	study	NOUN
cblr-2965	28	14	of	of	ADP
cblr-2965	28	15	investor	investor	NOUN
cblr-2965	28	16	behavior	behavior	NOUN
cblr-2965	28	17	...............	...............	PUNCT
cblr-2965	29	1	957	957	NUM
cblr-2965	29	2	3	3	X
cblr-2965	29	3	.	.	X
cblr-2965	29	4	summary	summary	NOUN
cblr-2965	29	5	and	and	CCONJ
cblr-2965	29	6	analysis	analysis	NOUN
cblr-2965	29	7	..................................	..................................	PUNCT
cblr-2965	29	8	957	957	NUM
cblr-2965	29	9	f.	f.	PROPN
cblr-2965	29	10	financial	financial	ADJ
cblr-2965	29	11	advisers	adviser	NOUN
cblr-2965	29	12	provide	provide	VERB
cblr-2965	29	13	little	little	ADJ
cblr-2965	29	14	help	help	NOUN
cblr-2965	29	15	..............	..............	PUNCT
cblr-2965	30	1	957	957	NUM
cblr-2965	30	2	1	1	NUM
cblr-2965	30	3	.	.	PUNCT
cblr-2965	30	4	widespread	widespread	ADJ
cblr-2965	30	5	use	use	NOUN
cblr-2965	30	6	of	of	ADP
cblr-2965	30	7	financial	financial	ADJ
cblr-2965	30	8	advisers	adviser	NOUN
cblr-2965	30	9	..........	..........	PUNCT
cblr-2965	30	10	957	957	NUM
cblr-2965	30	11	2	2	X
cblr-2965	30	12	.	.	PUNCT
cblr-2965	30	13	survey	survey	NOUN
cblr-2965	30	14	of	of	ADP
cblr-2965	30	15	financial	financial	ADJ
cblr-2965	30	16	advisers	adviser	NOUN
cblr-2965	30	17	.........................	.........................	PUNCT
cblr-2965	30	18	957	957	NUM
cblr-2965	30	19	3	3	NUM
cblr-2965	30	20	.	.	PUNCT
cblr-2965	30	21	advisers	adviser	NOUN
cblr-2965	30	22	'	'	PART
cblr-2965	30	23	effects	effect	NOUN
cblr-2965	30	24	on	on	ADP
cblr-2965	30	25	investor	investor	NOUN
cblr-2965	30	26	behavior	behavior	NOUN
cblr-2965	30	27	..........	..........	PUNCT
cblr-2965	30	28	957	957	NUM
cblr-2965	30	29	4	4	X
cblr-2965	30	30	.	.	X
cblr-2965	31	1	summary	summary	NOUN
cblr-2965	31	2	and	and	CCONJ
cblr-2965	31	3	analysis	analysis	NOUN
cblr-2965	31	4	..................................	..................................	PUNCT
cblr-2965	31	5	957	957	NUM
cblr-2965	31	6	g.	g.	NOUN
cblr-2965	31	7	advertising	advertising	NOUN
cblr-2965	31	8	does	do	AUX
cblr-2965	31	9	not	not	PART
cblr-2965	31	10	benefit	benefit	VERB
cblr-2965	31	11	investors	investor	NOUN
cblr-2965	31	12	.............	.............	PUNCT
cblr-2965	32	1	957	957	NUM
cblr-2965	32	2	1	1	NUM
cblr-2965	32	3	.	.	PUNCT
cblr-2965	32	4	importance	importance	NOUN
cblr-2965	32	5	of	of	ADP
cblr-2965	32	6	advertising	advertising	NOUN
cblr-2965	32	7	to	to	ADP
cblr-2965	32	8	investors	investor	NOUN
cblr-2965	32	9	.........	.........	PUNCT
cblr-2965	32	10	957	957	NUM
cblr-2965	32	11	2	2	NUM
cblr-2965	32	12	.	.	PUNCT
cblr-2965	32	13	benefits	benefit	NOUN
cblr-2965	32	14	and	and	CCONJ
cblr-2965	32	15	harms	harm	NOUN
cblr-2965	32	16	of	of	ADP
cblr-2965	32	17	advertising	advertising	NOUN
cblr-2965	32	18	...............	...............	PUNCT
cblr-2965	32	19	957	957	NUM
cblr-2965	32	20	3	3	X
cblr-2965	32	21	.	.	X
cblr-2965	33	1	summary	summary	NOUN
cblr-2965	33	2	and	and	CCONJ
cblr-2965	33	3	analysis	analysis	NOUN
cblr-2965	33	4	..................................	..................................	PUNCT
cblr-2965	33	5	957	957	NUM
cblr-2965	33	6	vi	vi	NOUN
cblr-2965	33	7	.	.	PUNCT
cblr-2965	34	1	fixing	fix	VERB
cblr-2965	34	2	a	a	DET
cblr-2965	34	3	dysfunctional	dysfunctional	ADJ
cblr-2965	34	4	market	market	NOUN
cblr-2965	34	5	.................................	.................................	PUNCT
cblr-2965	34	6	957	957	NUM
cblr-2965	34	7	a.	a.	NOUN
cblr-2965	34	8	facilitating	facilitate	VERB
cblr-2965	34	9	investor	investor	NOUN
cblr-2965	34	10	access	access	NOUN
cblr-2965	34	11	to	to	ADP
cblr-2965	34	12	important	important	ADJ
cblr-2965	34	13	fund	fund	NOUN
cblr-2965	34	14	inform	inform	NOUN
cblr-2965	34	15	ation	ation	PROPN
cblr-2965	34	16	..........................................................	..........................................................	PUNCT
cblr-2965	34	17	957	957	NUM
cblr-2965	34	18	b.	b.	NOUN
cblr-2965	34	19	inducing	induce	VERB
cblr-2965	34	20	investors	investor	NOUN
cblr-2965	34	21	to	to	PART
cblr-2965	34	22	pay	pay	VERB
cblr-2965	34	23	greater	great	ADJ
cblr-2965	34	24	attention	attention	NOUN
cblr-2965	34	25	to	to	ADP
cblr-2965	34	26	fund	fund	NOUN
cblr-2965	34	27	expenses	expense	NOUN
cblr-2965	34	28	.....................................................	.....................................................	PUNCT
cblr-2965	34	29	957	957	NUM
cblr-2965	34	30	c.	c.	NOUN
cblr-2965	34	31	encouraging	encourage	VERB
cblr-2965	34	32	investors	investor	NOUN
cblr-2965	34	33	to	to	PART
cblr-2965	34	34	pay	pay	VERB
cblr-2965	34	35	less	less	ADJ
cblr-2965	34	36	attention	attention	NOUN
cblr-2965	34	37	to	to	ADP
cblr-2965	34	38	past	past	NOUN
cblr-2965	34	39	perform	perform	VERB
cblr-2965	34	40	ance	ance	NOUN
cblr-2965	34	41	............................................	............................................	PUNCT
cblr-2965	35	1	957	957	NUM
cblr-2965	35	2	d.	d.	NOUN
cblr-2965	35	3	having	have	VERB
cblr-2965	35	4	the	the	DET
cblr-2965	35	5	sec	sec	PROPN
cblr-2965	35	6	pay	pay	VERB
cblr-2965	35	7	attention	attention	NOUN
cblr-2965	35	8	to	to	ADP
cblr-2965	35	9	the	the	DET
cblr-2965	35	10	academ	academ	ADJ
cblr-2965	35	11	ic	ic	PROPN
cblr-2965	35	12	literature	literature	PROPN
cblr-2965	35	13	............................................	............................................	PUNCT
cblr-2965	35	14	957	957	NUM
cblr-2965	35	15	v	v	NUM
cblr-2965	35	16	ii	ii	NOUN
cblr-2965	35	17	.	.	PUNCT
cblr-2965	36	1	c	c	PROPN
cblr-2965	36	2	onclusion	onclusion	NOUN
cblr-2965	36	3	..................................................................	..................................................................	PUNCT
cblr-2965	37	1	957	957	NUM
cblr-2965	37	2	no	no	NOUN
cblr-2965	37	3	.	.	PUNCT
cblr-2965	38	1	3:9341	3:9341	NUM
cblr-2965	38	2	columbia	columbia	PROPN
cblr-2965	38	3	business	business	PROPN
cblr-2965	38	4	la	la	PROPN
cblr-2965	38	5	w	w	PROPN
cblr-2965	38	6	review	review	PROPN
cblr-2965	38	7	mutual	mutual	ADJ
cblr-2965	38	8	funds	fund	NOUN
cblr-2965	38	9	are	be	AUX
cblr-2965	38	10	owned	own	VERB
cblr-2965	38	11	by	by	ADP
cblr-2965	38	12	almost	almost	ADV
cblr-2965	38	13	half	half	NOUN
cblr-2965	38	14	of	of	ADP
cblr-2965	38	15	all	all	DET
cblr-2965	38	16	u.s	u.s	PROPN
cblr-2965	38	17	.	.	PROPN
cblr-2965	38	18	households	household	NOUN
cblr-2965	38	19	,	,	PUNCT
cblr-2965	38	20	manage	manage	VERB
cblr-2965	38	21	nearly	nearly	ADV
cblr-2965	38	22	$	$	SYM
cblr-2965	38	23	12	12	NUM
cblr-2965	38	24	trillion	trillion	NUM
cblr-2965	38	25	dollars	dollar	NOUN
cblr-2965	38	26	in	in	ADP
cblr-2965	38	27	assets	asset	NOUN
cblr-2965	38	28	,	,	PUNCT
cblr-2965	38	29	and	and	CCONJ
cblr-2965	38	30	have	have	AUX
cblr-2965	38	31	become	become	VERB
cblr-2965	38	32	a	a	DET
cblr-2965	38	33	primary	primary	ADJ
cblr-2965	38	34	vehicle	vehicle	NOUN
cblr-2965	38	35	for	for	ADP
cblr-2965	38	36	retirement	retirement	NOUN
cblr-2965	38	37	and	and	CCONJ
cblr-2965	38	38	investment	investment	NOUN
cblr-2965	38	39	savings	saving	NOUN
cblr-2965	38	40	in	in	ADP
cblr-2965	38	41	the	the	DET
cblr-2965	38	42	united	united	PROPN
cblr-2965	38	43	states	states	PROPN
cblr-2965	38	44	.	.	PUNCT
cblr-2965	39	1	who	who	PRON
cblr-2965	39	2	are	be	AUX
cblr-2965	39	3	mutual	mutual	ADJ
cblr-2965	39	4	fund	fund	NOUN
cblr-2965	39	5	investors	investor	NOUN
cblr-2965	39	6	?	?	PUNCT
cblr-2965	40	1	the	the	DET
cblr-2965	40	2	answer	answer	NOUN
cblr-2965	40	3	is	be	AUX
cblr-2965	40	4	critical	critical	ADJ
cblr-2965	40	5	to	to	ADP
cblr-2965	40	6	regulatory	regulatory	ADJ
cblr-2965	40	7	policy	policy	NOUN
cblr-2965	40	8	for	for	ADP
cblr-2965	40	9	the	the	DET
cblr-2965	40	10	mutual	mutual	ADJ
cblr-2965	40	11	fund	fund	NOUN
cblr-2965	40	12	industry	industry	NOUN
cblr-2965	40	13	.	.	PUNCT
cblr-2965	41	1	fund	fund	NOUN
cblr-2965	41	2	investors	investor	NOUN
cblr-2965	41	3	,	,	PUNCT
cblr-2965	41	4	by	by	ADP
cblr-2965	41	5	selecting	select	VERB
cblr-2965	41	6	the	the	DET
cblr-2965	41	7	funds	fund	NOUN
cblr-2965	41	8	in	in	ADP
cblr-2965	41	9	which	which	PRON
cblr-2965	41	10	they	they	PRON
cblr-2965	41	11	invest	invest	VERB
cblr-2965	41	12	,	,	PUNCT
cblr-2965	41	13	play	play	VERB
cblr-2965	41	14	a	a	DET
cblr-2965	41	15	central	central	ADJ
cblr-2965	41	16	role	role	NOUN
cblr-2965	41	17	in	in	ADP
cblr-2965	41	18	determining	determine	VERB
cblr-2965	41	19	asset	asset	NOUN
cblr-2965	41	20	allocation	allocation	NOUN
cblr-2965	41	21	and	and	CCONJ
cblr-2965	41	22	in	in	ADP
cblr-2965	41	23	controlling	control	VERB
cblr-2965	41	24	the	the	DET
cblr-2965	41	25	fees	fee	NOUN
cblr-2965	41	26	and	and	CCONJ
cblr-2965	41	27	expenses	expense	NOUN
cblr-2965	41	28	that	that	PRON
cblr-2965	41	29	funds	fund	NOUN
cblr-2965	41	30	charge	charge	NOUN
cblr-2965	41	31	.	.	PUNCT
cblr-2965	42	1	thus	thus	ADV
cblr-2965	42	2	,	,	PUNCT
cblr-2965	42	3	the	the	DET
cblr-2965	42	4	functioning	functioning	NOUN
cblr-2965	42	5	of	of	ADP
cblr-2965	42	6	the	the	DET
cblr-2965	42	7	mutual	mutual	ADJ
cblr-2965	42	8	fund	fund	NOUN
cblr-2965	42	9	market	market	NOUN
cblr-2965	42	10	turns	turn	VERB
cblr-2965	42	11	on	on	ADP
cblr-2965	42	12	the	the	DET
cblr-2965	42	13	knowledge	knowledge	NOUN
cblr-2965	42	14	and	and	CCONJ
cblr-2965	42	15	financial	financial	ADJ
cblr-2965	42	16	sophistication	sophistication	NOUN
cblr-2965	42	17	of	of	ADP
cblr-2965	42	18	fund	fund	NOUN
cblr-2965	42	19	investors	investor	NOUN
cblr-2965	42	20	.	.	PUNCT
cblr-2965	43	1	this	this	DET
cblr-2965	43	2	article	article	NOUN
cblr-2965	43	3	examines	examine	VERB
cblr-2965	43	4	the	the	DET
cblr-2965	43	5	profiles	profile	NOUN
cblr-2965	43	6	of	of	ADP
cblr-2965	43	7	mutual	mutual	ADJ
cblr-2965	43	8	fund	fund	NOUN
cblr-2965	43	9	investors	investor	NOUN
cblr-2965	43	10	presented	present	VERB
cblr-2965	43	11	alternatively	alternatively	ADV
cblr-2965	43	12	by	by	ADP
cblr-2965	43	13	the	the	DET
cblr-2965	43	14	mutual	mutual	ADJ
cblr-2965	43	15	fund	fund	NOUN
cblr-2965	43	16	industry	industry	NOUN
cblr-2965	43	17	,	,	PUNCT
cblr-2965	43	18	by	by	ADP
cblr-2965	43	19	the	the	DET
cblr-2965	43	20	sec	sec	PROPN
cblr-2965	43	21	,	,	PUNCT
cblr-2965	43	22	and	and	CCONJ
cblr-2965	43	23	by	by	ADP
cblr-2965	43	24	an	an	DET
cblr-2965	43	25	extensive	extensive	ADJ
cblr-2965	43	26	empirical	empirical	ADJ
cblr-2965	43	27	academic	academic	ADJ
cblr-2965	43	28	literature	literature	NOUN
cblr-2965	43	29	.	.	PUNCT
cblr-2965	44	1	the	the	DET
cblr-2965	44	2	industry	industry	NOUN
cblr-2965	44	3	portrays	portray	VERB
cblr-2965	44	4	fund	fund	NOUN
cblr-2965	44	5	investors	investor	NOUN
cblr-2965	44	6	as	as	ADP
cblr-2965	44	7	diligent	diligent	ADJ
cblr-2965	44	8	,	,	PUNCT
cblr-2965	44	9	fairly	fairly	ADV
cblr-2965	44	10	sophisticated	sophisticated	ADJ
cblr-2965	44	11	,	,	PUNCT
cblr-2965	44	12	and	and	CCONJ
cblr-2965	44	13	guided	guide	VERB
cblr-2965	44	14	by	by	ADP
cblr-2965	44	15	professional	professional	ADJ
cblr-2965	44	16	financial	financial	ADJ
cblr-2965	44	17	advisers	adviser	NOUN
cblr-2965	44	18	.	.	PUNCT
cblr-2965	45	1	the	the	DET
cblr-2965	45	2	result	result	NOUN
cblr-2965	45	3	,	,	PUNCT
cblr-2965	45	4	according	accord	VERB
cblr-2965	45	5	to	to	ADP
cblr-2965	45	6	the	the	DET
cblr-2965	45	7	industry	industry	NOUN
cblr-2965	45	8	,	,	PUNCT
cblr-2965	45	9	is	be	AUX
cblr-2965	45	10	a	a	DET
cblr-2965	45	11	competitive	competitive	ADJ
cblr-2965	45	12	mutual	mutual	ADJ
cblr-2965	45	13	fund	fund	NOUN
cblr-2965	45	14	market	market	NOUN
cblr-2965	45	15	in	in	ADP
cblr-2965	45	16	which	which	PRON
cblr-2965	45	17	fund	fund	NOUN
cblr-2965	45	18	investors	investor	NOUN
cblr-2965	45	19	demand	demand	VERB
cblr-2965	45	20	low	low	ADJ
cblr-2965	45	21	costs	cost	NOUN
cblr-2965	45	22	and	and	CCONJ
cblr-2965	45	23	solid	solid	ADJ
cblr-2965	45	24	performance	performance	NOUN
cblr-2965	45	25	.	.	PUNCT
cblr-2965	46	1	the	the	DET
cblr-2965	46	2	sec	sec	PROPN
cblr-2965	46	3	's	's	PART
cblr-2965	46	4	regulatory	regulatory	ADJ
cblr-2965	46	5	policy	policy	NOUN
cblr-2965	46	6	paints	paint	VERB
cblr-2965	46	7	a	a	DET
cblr-2965	46	8	more	more	ADV
cblr-2965	46	9	cautious	cautious	ADJ
cblr-2965	46	10	portrait	portrait	NOUN
cblr-2965	46	11	of	of	ADP
cblr-2965	46	12	fund	fund	NOUN
cblr-2965	46	13	investors	investor	NOUN
cblr-2965	46	14	.	.	PUNCT
cblr-2965	47	1	while	while	SCONJ
cblr-2965	47	2	acknowledging	acknowledge	VERB
cblr-2965	47	3	that	that	SCONJ
cblr-2965	47	4	many	many	ADJ
cblr-2965	47	5	investors	investor	NOUN
cblr-2965	47	6	have	have	VERB
cblr-2965	47	7	limitations	limitation	NOUN
cblr-2965	47	8	,	,	PUNCT
cblr-2965	47	9	however	however	ADV
cblr-2965	47	10	,	,	PUNCT
cblr-2965	47	11	the	the	DET
cblr-2965	47	12	sec	sec	PROPN
cblr-2965	47	13	touts	tout	VERB
cblr-2965	47	14	improved	improved	ADJ
cblr-2965	47	15	disclosure	disclosure	NOUN
cblr-2965	47	16	by	by	ADP
cblr-2965	47	17	the	the	DET
cblr-2965	47	18	industry	industry	NOUN
cblr-2965	47	19	as	as	ADP
cblr-2965	47	20	a	a	DET
cblr-2965	47	21	sufficient	sufficient	ADJ
cblr-2965	47	22	antidote	antidote	NOUN
cblr-2965	47	23	.	.	PUNCT
cblr-2965	48	1	the	the	DET
cblr-2965	48	2	academic	academic	ADJ
cblr-2965	48	3	literature	literature	NOUN
cblr-2965	48	4	,	,	PUNCT
cblr-2965	48	5	produced	produce	VERB
cblr-2965	48	6	primarily	primarily	ADV
cblr-2965	48	7	by	by	ADP
cblr-2965	48	8	finance	finance	NOUN
cblr-2965	48	9	professors	professor	NOUN
cblr-2965	48	10	,	,	PUNCT
cblr-2965	48	11	finds	find	VERB
cblr-2965	48	12	that	that	SCONJ
cblr-2965	48	13	fund	fund	NOUN
cblr-2965	48	14	investors	investor	NOUN
cblr-2965	48	15	are	be	AUX
cblr-2965	48	16	generally	generally	ADV
cblr-2965	48	17	uninformed	uninformed	ADJ
cblr-2965	48	18	and	and	CCONJ
cblr-2965	48	19	financially	financially	ADV
cblr-2965	48	20	unsophisticated	unsophisticated	ADJ
cblr-2965	48	21	.	.	PUNCT
cblr-2965	49	1	most	most	ADJ
cblr-2965	49	2	investors	investor	NOUN
cblr-2965	49	3	are	be	AUX
cblr-2965	49	4	unaware	unaware	ADJ
cblr-2965	49	5	of	of	ADP
cblr-2965	49	6	the	the	DET
cblr-2965	49	7	basic	basic	ADJ
cblr-2965	49	8	characteristics	characteristic	NOUN
cblr-2965	49	9	of	of	ADP
cblr-2965	49	10	their	their	PRON
cblr-2965	49	11	funds	fund	NOUN
cblr-2965	49	12	,	,	PUNCT
cblr-2965	49	13	pay	pay	VERB
cblr-2965	49	14	little	little	ADJ
cblr-2965	49	15	attention	attention	NOUN
cblr-2965	49	16	to	to	ADP
cblr-2965	49	17	costs	cost	NOUN
cblr-2965	49	18	(	(	PUNCT
cblr-2965	49	19	especially	especially	ADV
cblr-2965	49	20	ongoing	ongoing	ADJ
cblr-2965	49	21	costs	cost	NOUN
cblr-2965	49	22	)	)	PUNCT
cblr-2965	49	23	,	,	PUNCT
cblr-2965	49	24	and	and	CCONJ
cblr-2965	49	25	chase	chase	NOUN
cblr-2965	49	26	past	past	ADJ
cblr-2965	49	27	performance	performance	NOUN
cblr-2965	49	28	despite	despite	SCONJ
cblr-2965	49	29	little	little	ADJ
cblr-2965	49	30	evidence	evidence	NOUN
cblr-2965	49	31	that	that	SCONJ
cblr-2965	49	32	high	high	ADJ
cblr-2965	49	33	past	past	NOUN
cblr-2965	49	34	fund	fund	NOUN
cblr-2965	49	35	returns	return	NOUN
cblr-2965	49	36	predict	predict	VERB
cblr-2965	49	37	future	future	ADJ
cblr-2965	49	38	returns	return	NOUN
cblr-2965	49	39	.	.	PUNCT
cblr-2965	50	1	even	even	ADV
cblr-2965	50	2	fund	fund	VERB
cblr-2965	50	3	investors	investor	NOUN
cblr-2965	50	4	who	who	PRON
cblr-2965	50	5	use	use	VERB
cblr-2965	50	6	financial	financial	ADJ
cblr-2965	50	7	advisers	adviser	NOUN
cblr-2965	50	8	do	do	AUX
cblr-2965	50	9	not	not	PART
cblr-2965	50	10	make	make	VERB
cblr-2965	50	11	better	well	ADJ
cblr-2965	50	12	choices	choice	NOUN
cblr-2965	50	13	.	.	PUNCT
cblr-2965	51	1	the	the	DET
cblr-2965	51	2	sec	sec	PROPN
cblr-2965	51	3	's	's	PART
cblr-2965	51	4	belief	belief	NOUN
cblr-2965	51	5	that	that	SCONJ
cblr-2965	51	6	fund	fund	NOUN
cblr-2965	51	7	investors	investor	NOUN
cblr-2965	51	8	can	can	AUX
cblr-2965	51	9	fend	fend	VERB
cblr-2965	51	10	for	for	ADP
cblr-2965	51	11	themselves	themselves	PRON
cblr-2965	51	12	,	,	PUNCT
cblr-2965	51	13	once	once	ADV
cblr-2965	51	14	armed	arm	VERB
cblr-2965	51	15	with	with	ADP
cblr-2965	51	16	adequate	adequate	ADJ
cblr-2965	51	17	disclosure	disclosure	NOUN
cblr-2965	51	18	,	,	PUNCT
cblr-2965	51	19	fails	fail	VERB
cblr-2965	51	20	to	to	PART
cblr-2965	51	21	appreciate	appreciate	VERB
cblr-2965	51	22	the	the	DET
cblr-2965	51	23	extent	extent	NOUN
cblr-2965	51	24	of	of	ADP
cblr-2965	51	25	investors	investor	NOUN
cblr-2965	51	26	'	'	PART
cblr-2965	51	27	limitations	limitation	NOUN
cblr-2965	51	28	.	.	PUNCT
cblr-2965	52	1	instead	instead	ADV
cblr-2965	52	2	,	,	PUNCT
cblr-2965	52	3	the	the	DET
cblr-2965	52	4	findings	finding	NOUN
cblr-2965	52	5	of	of	ADP
cblr-2965	52	6	the	the	DET
cblr-2965	52	7	academic	academic	ADJ
cblr-2965	52	8	literature	literature	NOUN
cblr-2965	52	9	suggest	suggest	VERB
cblr-2965	52	10	that	that	SCONJ
cblr-2965	52	11	policymakers	policymaker	NOUN
cblr-2965	52	12	should	should	AUX
cblr-2965	52	13	rethink	rethink	VERB
cblr-2965	52	14	current	current	ADJ
cblr-2965	52	15	regulatory	regulatory	ADJ
cblr-2965	52	16	policy	policy	NOUN
cblr-2965	52	17	.	.	PUNCT
cblr-2965	53	1	disclosure	disclosure	NOUN
cblr-2965	53	2	may	may	AUX
cblr-2965	53	3	not	not	PART
cblr-2965	53	4	be	be	AUX
cblr-2965	53	5	enough	enough	ADJ
cblr-2965	53	6	.	.	PUNCT
cblr-2965	54	1	[	[	X
cblr-2965	54	2	vol	vol	NOUN
cblr-2965	54	3	.	.	NOUN
cblr-2965	54	4	2008	2008	NUM
cblr-2965	54	5	i.	i.	NOUN
cblr-2965	54	6	introduction	introduction	NOUN
cblr-2965	54	7	mutual	mutual	ADJ
cblr-2965	54	8	funds	fund	NOUN
cblr-2965	54	9	have	have	AUX
cblr-2965	54	10	become	become	VERB
cblr-2965	54	11	a	a	DET
cblr-2965	54	12	primary	primary	ADJ
cblr-2965	54	13	vehicle	vehicle	NOUN
cblr-2965	54	14	for	for	ADP
cblr-2965	54	15	investment	investment	NOUN
cblr-2965	54	16	and	and	CCONJ
cblr-2965	54	17	retirement	retirement	NOUN
cblr-2965	54	18	savings	saving	NOUN
cblr-2965	54	19	in	in	ADP
cblr-2965	54	20	the	the	DET
cblr-2965	54	21	united	united	PROPN
cblr-2965	54	22	states	states	PROPN
cblr-2965	54	23	,	,	PUNCT
cblr-2965	54	24	managing	manage	VERB
cblr-2965	54	25	almost	almost	ADV
cblr-2965	54	26	$	$	SYM
cblr-2965	54	27	12	12	NUM
cblr-2965	54	28	trillion	trillion	NUM
cblr-2965	54	29	in	in	ADP
cblr-2965	54	30	assets	asset	NOUN
cblr-2965	54	31	and	and	CCONJ
cblr-2965	54	32	a	a	DET
cblr-2965	54	33	quarter	quarter	NOUN
cblr-2965	54	34	of	of	ADP
cblr-2965	54	35	the	the	DET
cblr-2965	54	36	country	country	NOUN
cblr-2965	54	37	's	's	PART
cblr-2965	54	38	retirement	retirement	NOUN
cblr-2965	54	39	savings	saving	NOUN
cblr-2965	54	40	.	.	PUNCT
cblr-2965	55	1	almost	almost	ADV
cblr-2965	55	2	half	half	NOUN
cblr-2965	55	3	of	of	ADP
cblr-2965	55	4	all	all	DET
cblr-2965	55	5	u.s	u.s	PROPN
cblr-2965	55	6	.	.	PROPN
cblr-2965	55	7	households	household	NOUN
cblr-2965	55	8	own	own	VERB
cblr-2965	55	9	mutual	mutual	ADJ
cblr-2965	55	10	funds	fund	NOUN
cblr-2965	55	11	,	,	PUNCT
cblr-2965	55	12	far	far	ADV
cblr-2965	55	13	more	more	ADJ
cblr-2965	55	14	than	than	SCONJ
cblr-2965	55	15	own	own	ADJ
cblr-2965	55	16	individual	individual	ADJ
cblr-2965	55	17	stocks	stock	NOUN
cblr-2965	55	18	and	and	CCONJ
cblr-2965	55	19	bonds	bond	NOUN
cblr-2965	55	20	.	.	PUNCT
cblr-2965	56	1	unlike	unlike	ADP
cblr-2965	56	2	public	public	ADJ
cblr-2965	56	3	and	and	CCONJ
cblr-2965	56	4	private	private	ADJ
cblr-2965	56	5	pension	pension	NOUN
cblr-2965	56	6	plans	plan	NOUN
cblr-2965	56	7	,	,	PUNCT
cblr-2965	56	8	in	in	ADP
cblr-2965	56	9	which	which	PRON
cblr-2965	56	10	decisions	decision	NOUN
cblr-2965	56	11	about	about	ADP
cblr-2965	56	12	portfolio	portfolio	NOUN
cblr-2965	56	13	allocation	allocation	NOUN
cblr-2965	56	14	and	and	CCONJ
cblr-2965	56	15	cost	cost	NOUN
cblr-2965	56	16	management	management	NOUN
cblr-2965	56	17	are	be	AUX
cblr-2965	56	18	delegated	delegate	VERB
cblr-2965	56	19	to	to	ADP
cblr-2965	56	20	professional	professional	ADJ
cblr-2965	56	21	money	money	NOUN
cblr-2965	56	22	managers	manager	NOUN
cblr-2965	56	23	,	,	PUNCT
cblr-2965	56	24	the	the	DET
cblr-2965	56	25	mutual	mutual	ADJ
cblr-2965	56	26	fund	fund	NOUN
cblr-2965	56	27	industry	industry	NOUN
cblr-2965	56	28	is	be	AUX
cblr-2965	56	29	subject	subject	ADJ
cblr-2965	56	30	to	to	ADP
cblr-2965	56	31	the	the	DET
cblr-2965	56	32	decisions	decision	NOUN
cblr-2965	56	33	and	and	CCONJ
cblr-2965	56	34	discipline	discipline	NOUN
cblr-2965	56	35	of	of	ADP
cblr-2965	56	36	millions	million	NOUN
cblr-2965	56	37	of	of	ADP
cblr-2965	56	38	dispersed	disperse	VERB
cblr-2965	56	39	and	and	CCONJ
cblr-2965	56	40	diverse	diverse	ADJ
cblr-2965	56	41	mutual	mutual	ADJ
cblr-2965	56	42	fund	fund	NOUN
cblr-2965	56	43	investors	investor	NOUN
cblr-2965	56	44	.	.	PUNCT
cblr-2965	57	1	who	who	PRON
cblr-2965	57	2	are	be	AUX
cblr-2965	57	3	these	these	DET
cblr-2965	57	4	mutual	mutual	ADJ
cblr-2965	57	5	fund	fund	NOUN
cblr-2965	57	6	investors	investor	NOUN
cblr-2965	57	7	?	?	PUNCT
cblr-2965	58	1	their	their	PRON
cblr-2965	58	2	investment	investment	NOUN
cblr-2965	58	3	knowledge	knowledge	NOUN
cblr-2965	58	4	and	and	CCONJ
cblr-2965	58	5	acumen	acuman	NOUN
cblr-2965	58	6	,	,	PUNCT
cblr-2965	58	7	as	as	ADV
cblr-2965	58	8	well	well	ADV
cblr-2965	58	9	as	as	ADP
cblr-2965	58	10	their	their	PRON
cblr-2965	58	11	access	access	NOUN
cblr-2965	58	12	to	to	ADP
cblr-2965	58	13	and	and	CCONJ
cblr-2965	58	14	use	use	NOUN
cblr-2965	58	15	of	of	ADP
cblr-2965	58	16	information	information	NOUN
cblr-2965	58	17	about	about	ADP
cblr-2965	58	18	mutual	mutual	ADJ
cblr-2965	58	19	funds	fund	NOUN
cblr-2965	58	20	,	,	PUNCT
cblr-2965	58	21	are	be	AUX
cblr-2965	58	22	critical	critical	ADJ
cblr-2965	58	23	to	to	ADP
cblr-2965	58	24	the	the	DET
cblr-2965	58	25	effective	effective	ADJ
cblr-2965	58	26	functioning	functioning	NOUN
cblr-2965	58	27	of	of	ADP
cblr-2965	58	28	the	the	DET
cblr-2965	58	29	mutual	mutual	ADJ
cblr-2965	58	30	fund	fund	NOUN
cblr-2965	58	31	market	market	NOUN
cblr-2965	58	32	.	.	PUNCT
cblr-2965	59	1	unlike	unlike	ADP
cblr-2965	59	2	the	the	DET
cblr-2965	59	3	markets	market	NOUN
cblr-2965	59	4	for	for	ADP
cblr-2965	59	5	publicly	publicly	ADV
cblr-2965	59	6	-	-	PUNCT
cblr-2965	59	7	traded	trade	VERB
cblr-2965	59	8	securities	security	NOUN
cblr-2965	59	9	,	,	PUNCT
cblr-2965	59	10	such	such	ADJ
cblr-2965	59	11	as	as	ADP
cblr-2965	59	12	stocks	stock	NOUN
cblr-2965	59	13	,	,	PUNCT
cblr-2965	59	14	the	the	DET
cblr-2965	59	15	market	market	NOUN
cblr-2965	59	16	for	for	ADP
cblr-2965	59	17	mutual	mutual	ADJ
cblr-2965	59	18	funds	fund	NOUN
cblr-2965	59	19	lacks	lack	VERB
cblr-2965	59	20	mechanisms	mechanism	NOUN
cblr-2965	59	21	-	-	PUNCT
cblr-2965	59	22	like	like	ADJ
cblr-2965	59	23	short	short	ADJ
cblr-2965	59	24	-	-	PUNCT
cblr-2965	59	25	selling	selling	NOUN
cblr-2965	59	26	-	-	PUNCT
cblr-2965	59	27	to	to	PART
cblr-2965	59	28	ensure	ensure	VERB
cblr-2965	59	29	informational	informational	ADJ
cblr-2965	59	30	efficiency	efficiency	NOUN
cblr-2965	59	31	.	.	PUNCT
cblr-2965	60	1	thus	thus	ADV
cblr-2965	60	2	,	,	PUNCT
cblr-2965	60	3	a	a	DET
cblr-2965	60	4	handful	handful	NOUN
cblr-2965	60	5	of	of	ADP
cblr-2965	60	6	informed	inform	VERB
cblr-2965	60	7	,	,	PUNCT
cblr-2965	60	8	sophisticated	sophisticated	ADJ
cblr-2965	60	9	fund	fund	NOUN
cblr-2965	60	10	investors	investor	NOUN
cblr-2965	60	11	can	can	AUX
cblr-2965	60	12	not	not	PART
cblr-2965	60	13	price	price	VERB
cblr-2965	60	14	inefficiencies	inefficiency	NOUN
cblr-2965	60	15	(	(	PUNCT
cblr-2965	60	16	such	such	ADJ
cblr-2965	60	17	as	as	ADP
cblr-2965	60	18	high	high	ADJ
cblr-2965	60	19	-	-	PUNCT
cblr-2965	60	20	cost	cost	NOUN
cblr-2965	60	21	or	or	CCONJ
cblr-2965	60	22	mismanaged	mismanage	VERB
cblr-2965	60	23	funds	fund	NOUN
cblr-2965	60	24	)	)	PUNCT
cblr-2965	60	25	out	out	ADP
cblr-2965	60	26	of	of	ADP
cblr-2965	60	27	the	the	DET
cblr-2965	60	28	market	market	NOUN
cblr-2965	60	29	.	.	PUNCT
cblr-2965	61	1	the	the	DET
cblr-2965	61	2	investment	investment	NOUN
cblr-2965	61	3	company	company	NOUN
cblr-2965	61	4	act	act	NOUN
cblr-2965	61	5	of	of	ADP
cblr-2965	61	6	1940	1940	NUM
cblr-2965	61	7	(	(	PUNCT
cblr-2965	61	8	the	the	DET
cblr-2965	61	9	"	"	PUNCT
cblr-2965	61	10	1940	1940	NUM
cblr-2965	61	11	act	act	NOUN
cblr-2965	61	12	"	"	PUNCT
cblr-2965	61	13	)	)	PUNCT
cblr-2965	61	14	,	,	PUNCT
cblr-2965	61	15	passed	pass	VERB
cblr-2965	61	16	by	by	ADP
cblr-2965	61	17	congress	congress	PROPN
cblr-2965	61	18	to	to	PART
cblr-2965	61	19	regulate	regulate	VERB
cblr-2965	61	20	the	the	DET
cblr-2965	61	21	disclosure	disclosure	NOUN
cblr-2965	61	22	and	and	CCONJ
cblr-2965	61	23	management	management	NOUN
cblr-2965	61	24	of	of	ADP
cblr-2965	61	25	mutual	mutual	ADJ
cblr-2965	61	26	funds	fund	NOUN
cblr-2965	61	27	,	,	PUNCT
cblr-2965	61	28	assumes	assume	VERB
cblr-2965	61	29	that	that	SCONJ
cblr-2965	61	30	mutual	mutual	ADJ
cblr-2965	61	31	fund	fund	NOUN
cblr-2965	61	32	investors	investor	NOUN
cblr-2965	61	33	can	can	AUX
cblr-2965	61	34	not	not	PART
cblr-2965	61	35	adequately	adequately	ADV
cblr-2965	61	36	fend	fend	VERB
cblr-2965	61	37	for	for	ADP
cblr-2965	61	38	themselves	themselves	PRON
cblr-2965	61	39	.	.	PUNCT
cblr-2965	62	1	nonetheless	nonetheless	ADV
cblr-2965	62	2	,	,	PUNCT
cblr-2965	62	3	despite	despite	SCONJ
cblr-2965	62	4	doubts	doubt	NOUN
cblr-2965	62	5	about	about	ADP
cblr-2965	62	6	the	the	DET
cblr-2965	62	7	capabilities	capability	NOUN
cblr-2965	62	8	of	of	ADP
cblr-2965	62	9	fund	fund	NOUN
cblr-2965	62	10	investors	investor	NOUN
cblr-2965	62	11	,	,	PUNCT
cblr-2965	62	12	the	the	DET
cblr-2965	62	13	1940	1940	NUM
cblr-2965	62	14	act	act	NOUN
cblr-2965	62	15	also	also	ADV
cblr-2965	62	16	assumes	assume	VERB
cblr-2965	62	17	(	(	PUNCT
cblr-2965	62	18	somewhat	somewhat	ADV
cblr-2965	62	19	inconsistently	inconsistently	ADV
cblr-2965	62	20	)	)	PUNCT
cblr-2965	62	21	that	that	PRON
cblr-2965	62	22	fund	fund	NOUN
cblr-2965	62	23	investors	investor	NOUN
cblr-2965	62	24	can	can	AUX
cblr-2965	62	25	make	make	VERB
cblr-2965	62	26	basic	basic	ADJ
cblr-2965	62	27	assetallocation	assetallocation	NOUN
cblr-2965	62	28	and	and	CCONJ
cblr-2965	62	29	fund	fund	NOUN
cblr-2965	62	30	-	-	PUNCT
cblr-2965	62	31	selection	selection	NOUN
cblr-2965	62	32	decisions	decision	NOUN
cblr-2965	62	33	.	.	PUNCT
cblr-2965	63	1	the	the	DET
cblr-2965	63	2	1940	1940	NUM
cblr-2965	63	3	act	act	NOUN
cblr-2965	63	4	thus	thus	ADV
cblr-2965	63	5	adopts	adopt	VERB
cblr-2965	63	6	a	a	DET
cblr-2965	63	7	blurred	blurred	ADJ
cblr-2965	63	8	policy	policy	NOUN
cblr-2965	63	9	between	between	ADP
cblr-2965	63	10	regulatory	regulatory	ADJ
cblr-2965	63	11	paternalism	paternalism	NOUN
cblr-2965	63	12	and	and	CCONJ
cblr-2965	63	13	market	market	NOUN
cblr-2965	63	14	liberalism	liberalism	NOUN
cblr-2965	63	15	,	,	PUNCT
cblr-2965	63	16	with	with	ADP
cblr-2965	63	17	a	a	DET
cblr-2965	63	18	significant	significant	ADJ
cblr-2965	63	19	portion	portion	NOUN
cblr-2965	63	20	of	of	ADP
cblr-2965	63	21	industry	industry	NOUN
cblr-2965	63	22	oversight	oversight	NOUN
cblr-2965	63	23	left	leave	VERB
cblr-2965	63	24	not	not	PART
cblr-2965	63	25	to	to	ADP
cblr-2965	63	26	regulation	regulation	NOUN
cblr-2965	63	27	but	but	CCONJ
cblr-2965	63	28	to	to	PART
cblr-2965	63	29	fund	fund	VERB
cblr-2965	63	30	investors	investor	NOUN
cblr-2965	63	31	themselves	themselves	PRON
cblr-2965	63	32	.	.	PUNCT
cblr-2965	64	1	today	today	NOUN
cblr-2965	64	2	,	,	PUNCT
cblr-2965	64	3	an	an	DET
cblr-2965	64	4	effective	effective	ADJ
cblr-2965	64	5	mutual	mutual	ADJ
cblr-2965	64	6	fund	fund	NOUN
cblr-2965	64	7	market	market	NOUN
cblr-2965	64	8	is	be	AUX
cblr-2965	64	9	more	more	ADV
cblr-2965	64	10	important	important	ADJ
cblr-2965	64	11	than	than	ADP
cblr-2965	64	12	ever	ever	ADV
cblr-2965	64	13	,	,	PUNCT
cblr-2965	64	14	and	and	CCONJ
cblr-2965	64	15	this	this	DET
cblr-2965	64	16	importance	importance	NOUN
cblr-2965	64	17	promises	promise	VERB
cblr-2965	64	18	only	only	ADV
cblr-2965	64	19	to	to	PART
cblr-2965	64	20	grow	grow	VERB
cblr-2965	64	21	.	.	PUNCT
cblr-2965	65	1	the	the	DET
cblr-2965	65	2	transformation	transformation	NOUN
cblr-2965	65	3	of	of	ADP
cblr-2965	65	4	mutual	mutual	ADJ
cblr-2965	65	5	funds	fund	NOUN
cblr-2965	65	6	from	from	ADP
cblr-2965	65	7	the	the	DET
cblr-2965	65	8	"	"	PUNCT
cblr-2965	65	9	small	small	ADJ
cblr-2965	65	10	investor	investor	NOUN
cblr-2965	65	11	's	's	PART
cblr-2965	65	12	diversified	diversified	ADJ
cblr-2965	65	13	portfolio	portfolio	NOUN
cblr-2965	65	14	"	"	PUNCT
cblr-2965	65	15	to	to	ADP
cblr-2965	65	16	"	"	PUNCT
cblr-2965	65	17	every	every	DET
cblr-2965	65	18	person	person	NOUN
cblr-2965	65	19	's	's	PART
cblr-2965	65	20	retirement	retirement	NOUN
cblr-2965	65	21	account	account	NOUN
cblr-2965	65	22	"	"	PUNCT
cblr-2965	65	23	makes	make	VERB
cblr-2965	65	24	the	the	DET
cblr-2965	65	25	capabilities	capability	NOUN
cblr-2965	65	26	of	of	ADP
cblr-2965	65	27	fund	fund	NOUN
cblr-2965	65	28	investors	investor	NOUN
cblr-2965	65	29	critical	critical	ADJ
cblr-2965	65	30	to	to	ADP
cblr-2965	65	31	no	no	NOUN
cblr-2965	65	32	.	.	PUNCT
cblr-2965	66	1	3:9341	3:9341	NUM
cblr-2965	66	2	mutual	mutual	ADJ
cblr-2965	66	3	fund	fund	NOUN
cblr-2965	66	4	investors	investors	PROPN
cblr-2965	66	5	columbia	columbia	PROPN
cblr-2965	66	6	business	business	PROPN
cblr-2965	66	7	la	la	PROPN
cblr-2965	66	8	wreview	wreview	VERB
cblr-2965	66	9	the	the	DET
cblr-2965	66	10	viability	viability	NOUN
cblr-2965	66	11	of	of	ADP
cblr-2965	66	12	our	our	PRON
cblr-2965	66	13	national	national	ADJ
cblr-2965	66	14	retirement	retirement	NOUN
cblr-2965	66	15	system	system	NOUN
cblr-2965	66	16	.	.	PUNCT
cblr-2965	67	1	do	do	AUX
cblr-2965	67	2	fund	fund	NOUN
cblr-2965	67	3	investors	investor	NOUN
cblr-2965	67	4	understand	understand	VERB
cblr-2965	67	5	the	the	DET
cblr-2965	67	6	risk	risk	NOUN
cblr-2965	67	7	-	-	PUNCT
cblr-2965	67	8	return	return	NOUN
cblr-2965	67	9	characteristics	characteristic	NOUN
cblr-2965	67	10	of	of	ADP
cblr-2965	67	11	different	different	ADJ
cblr-2965	67	12	fund	fund	NOUN
cblr-2965	67	13	assets	asset	NOUN
cblr-2965	67	14	?	?	PUNCT
cblr-2965	68	1	do	do	AUX
cblr-2965	68	2	fund	fund	NOUN
cblr-2965	68	3	investors	investor	NOUN
cblr-2965	68	4	know	know	VERB
cblr-2965	68	5	the	the	DET
cblr-2965	68	6	relationship	relationship	NOUN
cblr-2965	68	7	between	between	ADP
cblr-2965	68	8	past	past	ADJ
cblr-2965	68	9	fund	fund	NOUN
cblr-2965	68	10	performance	performance	NOUN
cblr-2965	68	11	and	and	CCONJ
cblr-2965	68	12	future	future	ADJ
cblr-2965	68	13	returns	return	NOUN
cblr-2965	68	14	?	?	PUNCT
cblr-2965	69	1	do	do	AUX
cblr-2965	69	2	fund	fund	NOUN
cblr-2965	69	3	investors	investor	NOUN
cblr-2965	69	4	recognize	recognize	VERB
cblr-2965	69	5	the	the	DET
cblr-2965	69	6	significance	significance	NOUN
cblr-2965	69	7	of	of	ADP
cblr-2965	69	8	,	,	PUNCT
cblr-2965	69	9	and	and	CCONJ
cblr-2965	69	10	respond	respond	VERB
cblr-2965	69	11	to	to	ADP
cblr-2965	69	12	differences	difference	NOUN
cblr-2965	69	13	in	in	ADP
cblr-2965	69	14	,	,	PUNCT
cblr-2965	69	15	fund	fund	NOUN
cblr-2965	69	16	fees	fee	NOUN
cblr-2965	69	17	and	and	CCONJ
cblr-2965	69	18	expenses	expense	NOUN
cblr-2965	69	19	?	?	PUNCT
cblr-2965	70	1	in	in	ADP
cblr-2965	70	2	short	short	ADJ
cblr-2965	70	3	,	,	PUNCT
cblr-2965	70	4	are	be	AUX
cblr-2965	70	5	fund	fund	NOUN
cblr-2965	70	6	investors	investor	NOUN
cblr-2965	70	7	capable	capable	ADJ
cblr-2965	70	8	of	of	ADP
cblr-2965	70	9	disciplining	discipline	VERB
cblr-2965	70	10	the	the	DET
cblr-2965	70	11	mutual	mutual	ADJ
cblr-2965	70	12	fund	fund	NOUN
cblr-2965	70	13	market	market	NOUN
cblr-2965	70	14	?	?	PUNCT
cblr-2965	71	1	this	this	DET
cblr-2965	71	2	article	article	NOUN
cblr-2965	71	3	examines	examine	VERB
cblr-2965	71	4	the	the	DET
cblr-2965	71	5	profiles	profile	NOUN
cblr-2965	71	6	of	of	ADP
cblr-2965	71	7	mutual	mutual	ADJ
cblr-2965	71	8	fund	fund	NOUN
cblr-2965	71	9	investors	investor	NOUN
cblr-2965	71	10	presented	present	VERB
cblr-2965	71	11	alternatively	alternatively	ADV
cblr-2965	71	12	by	by	ADP
cblr-2965	71	13	the	the	DET
cblr-2965	71	14	mutual	mutual	ADJ
cblr-2965	71	15	fund	fund	NOUN
cblr-2965	71	16	industry	industry	NOUN
cblr-2965	71	17	,	,	PUNCT
cblr-2965	71	18	by	by	ADP
cblr-2965	71	19	the	the	DET
cblr-2965	71	20	securities	securities	PROPN
cblr-2965	71	21	and	and	CCONJ
cblr-2965	71	22	exchange	exchange	PROPN
cblr-2965	71	23	commission	commission	PROPN
cblr-2965	71	24	(	(	PUNCT
cblr-2965	71	25	"	"	PUNCT
cblr-2965	71	26	sec	sec	PROPN
cblr-2965	71	27	"	"	PUNCT
cblr-2965	71	28	)	)	PUNCT
cblr-2965	71	29	,	,	PUNCT
cblr-2965	71	30	and	and	CCONJ
cblr-2965	71	31	by	by	ADP
cblr-2965	71	32	an	an	DET
cblr-2965	71	33	extensive	extensive	ADJ
cblr-2965	71	34	academic	academic	ADJ
cblr-2965	71	35	literature	literature	NOUN
cblr-2965	71	36	.	.	PUNCT
cblr-2965	72	1	the	the	DET
cblr-2965	72	2	fund	fund	NOUN
cblr-2965	72	3	management	management	NOUN
cblr-2965	72	4	industry	industry	NOUN
cblr-2965	72	5	-	-	PUNCT
cblr-2965	72	6	through	through	ADP
cblr-2965	72	7	its	its	PRON
cblr-2965	72	8	trade	trade	NOUN
cblr-2965	72	9	association	association	NOUN
cblr-2965	72	10	,	,	PUNCT
cblr-2965	72	11	the	the	DET
cblr-2965	72	12	investment	investment	NOUN
cblr-2965	72	13	company	company	NOUN
cblr-2965	72	14	institute	institute	NOUN
cblr-2965	72	15	(	(	PUNCT
cblr-2965	72	16	"	"	PUNCT
cblr-2965	72	17	ici")-portrays	ici")-portray	NOUN
cblr-2965	72	18	fund	fund	NOUN
cblr-2965	72	19	investors	investor	NOUN
cblr-2965	72	20	as	as	ADP
cblr-2965	72	21	diligent	diligent	ADJ
cblr-2965	72	22	and	and	CCONJ
cblr-2965	72	23	fairly	fairly	ADV
cblr-2965	72	24	sophisticated	sophisticated	ADJ
cblr-2965	72	25	.	.	PUNCT
cblr-2965	73	1	according	accord	VERB
cblr-2965	73	2	to	to	ADP
cblr-2965	73	3	the	the	DET
cblr-2965	73	4	ici	ici	NOUN
cblr-2965	73	5	,	,	PUNCT
cblr-2965	73	6	before	before	ADP
cblr-2965	73	7	choosing	choose	VERB
cblr-2965	73	8	a	a	DET
cblr-2965	73	9	mutual	mutual	ADJ
cblr-2965	73	10	fund	fund	NOUN
cblr-2965	73	11	,	,	PUNCT
cblr-2965	73	12	investors	investor	NOUN
cblr-2965	73	13	consider	consider	VERB
cblr-2965	73	14	relevant	relevant	ADJ
cblr-2965	73	15	fund	fund	NOUN
cblr-2965	73	16	characteristics	characteristic	NOUN
cblr-2965	73	17	,	,	PUNCT
cblr-2965	73	18	including	include	VERB
cblr-2965	73	19	fund	fund	NOUN
cblr-2965	73	20	fees	fee	NOUN
cblr-2965	73	21	and	and	CCONJ
cblr-2965	73	22	expenses	expense	NOUN
cblr-2965	73	23	,	,	PUNCT
cblr-2965	73	24	and	and	CCONJ
cblr-2965	73	25	consult	consult	VERB
cblr-2965	73	26	multiple	multiple	ADJ
cblr-2965	73	27	sources	source	NOUN
cblr-2965	73	28	of	of	ADP
cblr-2965	73	29	information	information	NOUN
cblr-2965	73	30	.	.	PUNCT
cblr-2965	74	1	in	in	ADP
cblr-2965	74	2	its	its	PRON
cblr-2965	74	3	public	public	ADJ
cblr-2965	74	4	statements	statement	NOUN
cblr-2965	74	5	,	,	PUNCT
cblr-2965	74	6	the	the	DET
cblr-2965	74	7	ici	ici	NOUN
cblr-2965	74	8	regularly	regularly	ADV
cblr-2965	74	9	states	state	VERB
cblr-2965	74	10	that	that	SCONJ
cblr-2965	74	11	mutual	mutual	ADJ
cblr-2965	74	12	funds	fund	NOUN
cblr-2965	74	13	operate	operate	VERB
cblr-2965	74	14	in	in	ADP
cblr-2965	74	15	a	a	DET
cblr-2965	74	16	highly	highly	ADV
cblr-2965	74	17	competitive	competitive	ADJ
cblr-2965	74	18	market	market	NOUN
cblr-2965	74	19	driven	drive	VERB
cblr-2965	74	20	by	by	ADP
cblr-2965	74	21	millions	million	NOUN
cblr-2965	74	22	of	of	ADP
cblr-2965	74	23	investors	investor	NOUN
cblr-2965	74	24	clamoring	clamor	VERB
cblr-2965	74	25	for	for	ADP
cblr-2965	74	26	low	low	ADJ
cblr-2965	74	27	fees	fee	NOUN
cblr-2965	74	28	and	and	CCONJ
cblr-2965	74	29	high	high	ADJ
cblr-2965	74	30	performance	performance	NOUN
cblr-2965	74	31	.	.	PUNCT
cblr-2965	75	1	to	to	PART
cblr-2965	75	2	assist	assist	VERB
cblr-2965	75	3	investors	investor	NOUN
cblr-2965	75	4	in	in	ADP
cblr-2965	75	5	choosing	choose	VERB
cblr-2965	75	6	among	among	ADP
cblr-2965	75	7	funds	fund	NOUN
cblr-2965	75	8	,	,	PUNCT
cblr-2965	75	9	the	the	DET
cblr-2965	75	10	industry	industry	NOUN
cblr-2965	75	11	supports	support	VERB
cblr-2965	75	12	providing	provide	VERB
cblr-2965	75	13	investors	investor	NOUN
cblr-2965	75	14	with	with	ADP
cblr-2965	75	15	simplified	simplified	ADJ
cblr-2965	75	16	and	and	CCONJ
cblr-2965	75	17	standardized	standardized	ADJ
cblr-2965	75	18	disclosure	disclosure	NOUN
cblr-2965	75	19	of	of	ADP
cblr-2965	75	20	information	information	NOUN
cblr-2965	75	21	about	about	ADP
cblr-2965	75	22	funds	fund	NOUN
cblr-2965	75	23	.	.	PUNCT
cblr-2965	76	1	the	the	DET
cblr-2965	76	2	sec	sec	PROPN
cblr-2965	76	3	,	,	PUNCT
cblr-2965	76	4	in	in	ADP
cblr-2965	76	5	its	its	PRON
cblr-2965	76	6	regulatory	regulatory	ADJ
cblr-2965	76	7	policy	policy	NOUN
cblr-2965	76	8	,	,	PUNCT
cblr-2965	76	9	paints	paint	VERB
cblr-2965	76	10	a	a	DET
cblr-2965	76	11	somewhat	somewhat	ADV
cblr-2965	76	12	similar	similar	ADJ
cblr-2965	76	13	portrait	portrait	NOUN
cblr-2965	76	14	of	of	ADP
cblr-2965	76	15	mutual	mutual	ADJ
cblr-2965	76	16	fund	fund	NOUN
cblr-2965	76	17	investors	investor	NOUN
cblr-2965	76	18	.	.	PUNCT
cblr-2965	77	1	like	like	ADP
cblr-2965	77	2	the	the	DET
cblr-2965	77	3	fund	fund	NOUN
cblr-2965	77	4	industry	industry	NOUN
cblr-2965	77	5	,	,	PUNCT
cblr-2965	77	6	the	the	DET
cblr-2965	77	7	sec	sec	PROPN
cblr-2965	77	8	claims	claim	VERB
cblr-2965	77	9	that	that	SCONJ
cblr-2965	77	10	investors	investor	NOUN
cblr-2965	77	11	consider	consider	VERB
cblr-2965	77	12	much	much	ADJ
cblr-2965	77	13	relevant	relevant	ADJ
cblr-2965	77	14	information	information	NOUN
cblr-2965	77	15	before	before	ADP
cblr-2965	77	16	investing	invest	VERB
cblr-2965	77	17	in	in	ADP
cblr-2965	77	18	a	a	DET
cblr-2965	77	19	fund	fund	NOUN
cblr-2965	77	20	.	.	PUNCT
cblr-2965	78	1	also	also	ADV
cblr-2965	78	2	,	,	PUNCT
cblr-2965	78	3	like	like	ADP
cblr-2965	78	4	the	the	DET
cblr-2965	78	5	industry	industry	NOUN
cblr-2965	78	6	,	,	PUNCT
cblr-2965	78	7	the	the	DET
cblr-2965	78	8	sec	sec	PROPN
cblr-2965	78	9	believes	believe	VERB
cblr-2965	78	10	that	that	SCONJ
cblr-2965	78	11	investors	investor	NOUN
cblr-2965	78	12	greatly	greatly	ADV
cblr-2965	78	13	benefit	benefit	VERB
cblr-2965	78	14	from	from	ADP
cblr-2965	78	15	simplified	simplified	ADJ
cblr-2965	78	16	and	and	CCONJ
cblr-2965	78	17	standardized	standardized	ADJ
cblr-2965	78	18	disclosure	disclosure	NOUN
cblr-2965	78	19	.	.	PUNCT
cblr-2965	79	1	yet	yet	CCONJ
cblr-2965	79	2	the	the	DET
cblr-2965	79	3	sec	sec	PROPN
cblr-2965	79	4	has	have	AUX
cblr-2965	79	5	expressed	express	VERB
cblr-2965	79	6	concern	concern	NOUN
cblr-2965	79	7	that	that	SCONJ
cblr-2965	79	8	some	some	DET
cblr-2965	79	9	investors	investor	NOUN
cblr-2965	79	10	pay	pay	VERB
cblr-2965	79	11	too	too	ADV
cblr-2965	79	12	little	little	ADJ
cblr-2965	79	13	attention	attention	NOUN
cblr-2965	79	14	to	to	ADP
cblr-2965	79	15	fund	fund	NOUN
cblr-2965	79	16	fees	fee	NOUN
cblr-2965	79	17	and	and	CCONJ
cblr-2965	79	18	expenses	expense	NOUN
cblr-2965	79	19	while	while	SCONJ
cblr-2965	79	20	paying	pay	VERB
cblr-2965	79	21	too	too	ADV
cblr-2965	79	22	much	much	ADJ
cblr-2965	79	23	attention	attention	NOUN
cblr-2965	79	24	to	to	ADP
cblr-2965	79	25	past	past	ADJ
cblr-2965	79	26	returns	return	NOUN
cblr-2965	79	27	.	.	PUNCT
cblr-2965	80	1	thus	thus	ADV
cblr-2965	80	2	,	,	PUNCT
cblr-2965	80	3	the	the	DET
cblr-2965	80	4	sec	sec	PROPN
cblr-2965	80	5	has	have	AUX
cblr-2965	80	6	taken	take	VERB
cblr-2965	80	7	some	some	DET
cblr-2965	80	8	limited	limited	ADJ
cblr-2965	80	9	and	and	CCONJ
cblr-2965	80	10	cautious	cautious	ADJ
cblr-2965	80	11	steps	step	NOUN
cblr-2965	80	12	to	to	PART
cblr-2965	80	13	better	well	ADV
cblr-2965	80	14	educate	educate	VERB
cblr-2965	80	15	and	and	CCONJ
cblr-2965	80	16	inform	inform	VERB
cblr-2965	80	17	investors	investor	NOUN
cblr-2965	80	18	about	about	ADP
cblr-2965	80	19	how	how	SCONJ
cblr-2965	80	20	to	to	PART
cblr-2965	80	21	make	make	VERB
cblr-2965	80	22	fund	fund	NOUN
cblr-2965	80	23	choices	choice	NOUN
cblr-2965	80	24	.	.	PUNCT
cblr-2965	81	1	the	the	DET
cblr-2965	81	2	academic	academic	ADJ
cblr-2965	81	3	literature	literature	NOUN
cblr-2965	81	4	over	over	ADP
cblr-2965	81	5	the	the	DET
cblr-2965	81	6	last	last	ADJ
cblr-2965	81	7	decade	decade	NOUN
cblr-2965	81	8	,	,	PUNCT
cblr-2965	81	9	however	however	ADV
cblr-2965	81	10	,	,	PUNCT
cblr-2965	81	11	paints	paint	VERB
cblr-2965	81	12	a	a	DET
cblr-2965	81	13	much	much	ADV
cblr-2965	81	14	less	less	ADV
cblr-2965	81	15	favorable	favorable	ADJ
cblr-2965	81	16	portrait	portrait	NOUN
cblr-2965	81	17	of	of	ADP
cblr-2965	81	18	fund	fund	NOUN
cblr-2965	81	19	investors	investor	NOUN
cblr-2965	81	20	.	.	PUNCT
cblr-2965	82	1	empirical	empirical	ADJ
cblr-2965	82	2	studies	study	NOUN
cblr-2965	82	3	of	of	ADP
cblr-2965	82	4	actual	actual	ADJ
cblr-2965	82	5	investor	investor	NOUN
cblr-2965	82	6	behavior	behavior	NOUN
cblr-2965	82	7	-	-	PUNCT
cblr-2965	82	8	studies	study	NOUN
cblr-2965	82	9	conducted	conduct	VERB
cblr-2965	82	10	mostly	mostly	ADV
cblr-2965	82	11	by	by	ADP
cblr-2965	82	12	finance	finance	NOUN
cblr-2965	82	13	professors	professor	NOUN
cblr-2965	82	14	-	-	PUNCT
cblr-2965	82	15	find	find	VERB
cblr-2965	82	16	that	that	DET
cblr-2965	82	17	fund	fund	NOUN
cblr-2965	82	18	[	[	X
cblr-2965	82	19	vol	vol	NOUN
cblr-2965	82	20	.	.	NOUN
cblr-2965	82	21	2008	2008	NUM
cblr-2965	82	22	mutual	mutual	ADJ
cblr-2965	82	23	fund	fund	NOUN
cblr-2965	82	24	investors	investor	NOUN
cblr-2965	82	25	investors	investor	NOUN
cblr-2965	82	26	generally	generally	ADV
cblr-2965	82	27	are	be	AUX
cblr-2965	82	28	uninformed	uninformed	ADJ
cblr-2965	82	29	and	and	CCONJ
cblr-2965	82	30	lack	lack	VERB
cblr-2965	82	31	financial	financial	ADJ
cblr-2965	82	32	sophistication	sophistication	NOUN
cblr-2965	82	33	.	.	PUNCT
cblr-2965	83	1	these	these	DET
cblr-2965	83	2	studies	study	NOUN
cblr-2965	83	3	find	find	VERB
cblr-2965	83	4	that	that	SCONJ
cblr-2965	83	5	most	most	ADJ
cblr-2965	83	6	fund	fund	NOUN
cblr-2965	83	7	investors	investor	NOUN
cblr-2965	83	8	are	be	AUX
cblr-2965	83	9	unaware	unaware	ADJ
cblr-2965	83	10	of	of	ADP
cblr-2965	83	11	the	the	DET
cblr-2965	83	12	investment	investment	NOUN
cblr-2965	83	13	objectives	objective	NOUN
cblr-2965	83	14	,	,	PUNCT
cblr-2965	83	15	composition	composition	NOUN
cblr-2965	83	16	,	,	PUNCT
cblr-2965	83	17	and	and	CCONJ
cblr-2965	83	18	risks	risk	NOUN
cblr-2965	83	19	of	of	ADP
cblr-2965	83	20	their	their	PRON
cblr-2965	83	21	funds	fund	NOUN
cblr-2965	83	22	.	.	PUNCT
cblr-2965	84	1	most	most	ADJ
cblr-2965	84	2	investors	investor	NOUN
cblr-2965	84	3	are	be	AUX
cblr-2965	84	4	also	also	ADV
cblr-2965	84	5	ignorant	ignorant	ADJ
cblr-2965	84	6	of	of	ADP
cblr-2965	84	7	the	the	DET
cblr-2965	84	8	level	level	NOUN
cblr-2965	84	9	of	of	ADP
cblr-2965	84	10	fees	fee	NOUN
cblr-2965	84	11	and	and	CCONJ
cblr-2965	84	12	expenses	expense	NOUN
cblr-2965	84	13	charged	charge	VERB
cblr-2965	84	14	by	by	ADP
cblr-2965	84	15	their	their	PRON
cblr-2965	84	16	funds	fund	NOUN
cblr-2965	84	17	,	,	PUNCT
cblr-2965	84	18	and	and	CCONJ
cblr-2965	84	19	these	these	DET
cblr-2965	84	20	costs	cost	NOUN
cblr-2965	84	21	are	be	AUX
cblr-2965	84	22	often	often	ADV
cblr-2965	84	23	not	not	PART
cblr-2965	84	24	a	a	DET
cblr-2965	84	25	significant	significant	ADJ
cblr-2965	84	26	factor	factor	NOUN
cblr-2965	84	27	in	in	ADP
cblr-2965	84	28	their	their	PRON
cblr-2965	84	29	fund	fund	NOUN
cblr-2965	84	30	choices	choice	NOUN
cblr-2965	84	31	.	.	PUNCT
cblr-2965	85	1	also	also	ADV
cblr-2965	85	2	,	,	PUNCT
cblr-2965	85	3	most	most	ADJ
cblr-2965	85	4	fund	fund	NOUN
cblr-2965	85	5	investors	investor	NOUN
cblr-2965	85	6	chase	chase	VERB
cblr-2965	85	7	past	past	ADJ
cblr-2965	85	8	performance	performance	NOUN
cblr-2965	85	9	,	,	PUNCT
cblr-2965	85	10	despite	despite	SCONJ
cblr-2965	85	11	little	little	ADJ
cblr-2965	85	12	evidence	evidence	NOUN
cblr-2965	85	13	that	that	SCONJ
cblr-2965	85	14	high	high	ADJ
cblr-2965	85	15	past	past	ADJ
cblr-2965	85	16	returns	return	NOUN
cblr-2965	85	17	predict	predict	VERB
cblr-2965	85	18	future	future	ADJ
cblr-2965	85	19	returns	return	NOUN
cblr-2965	85	20	.	.	PUNCT
cblr-2965	86	1	in	in	ADP
cblr-2965	86	2	addition	addition	NOUN
cblr-2965	86	3	,	,	PUNCT
cblr-2965	86	4	although	although	SCONJ
cblr-2965	86	5	many	many	ADJ
cblr-2965	86	6	investors	investor	NOUN
cblr-2965	86	7	use	use	VERB
cblr-2965	86	8	financial	financial	ADJ
cblr-2965	86	9	advisers	adviser	NOUN
cblr-2965	86	10	,	,	PUNCT
cblr-2965	86	11	little	little	ADJ
cblr-2965	86	12	evidence	evidence	NOUN
cblr-2965	86	13	exists	exist	VERB
cblr-2965	86	14	that	that	SCONJ
cblr-2965	86	15	these	these	DET
cblr-2965	86	16	advisers	adviser	NOUN
cblr-2965	86	17	help	help	VERB
cblr-2965	86	18	investors	investor	NOUN
cblr-2965	86	19	make	make	VERB
cblr-2965	86	20	better	well	ADJ
cblr-2965	86	21	fund	fund	NOUN
cblr-2965	86	22	choices	choice	NOUN
cblr-2965	86	23	.	.	PUNCT
cblr-2965	87	1	remarkably	remarkably	ADV
cblr-2965	87	2	,	,	PUNCT
cblr-2965	87	3	the	the	DET
cblr-2965	87	4	ici	ici	NOUN
cblr-2965	87	5	and	and	CCONJ
cblr-2965	87	6	the	the	DET
cblr-2965	87	7	sec	sec	PROPN
cblr-2965	87	8	barely	barely	ADV
cblr-2965	87	9	acknowledge	acknowledge	VERB
cblr-2965	87	10	the	the	DET
cblr-2965	87	11	existence	existence	NOUN
cblr-2965	87	12	of	of	ADP
cblr-2965	87	13	this	this	DET
cblr-2965	87	14	large	large	ADJ
cblr-2965	87	15	body	body	NOUN
cblr-2965	87	16	of	of	ADP
cblr-2965	87	17	academic	academic	ADJ
cblr-2965	87	18	research	research	NOUN
cblr-2965	87	19	.	.	PUNCT
cblr-2965	88	1	although	although	SCONJ
cblr-2965	88	2	the	the	DET
cblr-2965	88	3	ici	ici	NOUN
cblr-2965	88	4	has	have	AUX
cblr-2965	88	5	sometimes	sometimes	ADV
cblr-2965	88	6	sought	seek	VERB
cblr-2965	88	7	to	to	PART
cblr-2965	88	8	refute	refute	VERB
cblr-2965	88	9	some	some	DET
cblr-2965	88	10	specific	specific	ADJ
cblr-2965	88	11	academic	academic	ADJ
cblr-2965	88	12	findings	finding	NOUN
cblr-2965	88	13	,	,	PUNCT
cblr-2965	88	14	it	it	PRON
cblr-2965	88	15	appears	appear	VERB
cblr-2965	88	16	to	to	PART
cblr-2965	88	17	have	have	AUX
cblr-2965	88	18	adopted	adopt	VERB
cblr-2965	88	19	the	the	DET
cblr-2965	88	20	general	general	ADJ
cblr-2965	88	21	policy	policy	NOUN
cblr-2965	88	22	that	that	PRON
cblr-2965	88	23	the	the	DET
cblr-2965	88	24	less	less	ADV
cblr-2965	88	25	said	say	VERB
cblr-2965	88	26	the	the	DET
cblr-2965	88	27	better	well	ADJ
cblr-2965	88	28	.	.	PUNCT
cblr-2965	89	1	the	the	DET
cblr-2965	89	2	sec	sec	PROPN
cblr-2965	89	3	,	,	PUNCT
cblr-2965	89	4	while	while	SCONJ
cblr-2965	89	5	regularly	regularly	ADV
cblr-2965	89	6	citing	cite	VERB
cblr-2965	89	7	to	to	ADP
cblr-2965	89	8	journalistic	journalistic	ADJ
cblr-2965	89	9	accounts	account	NOUN
cblr-2965	89	10	of	of	ADP
cblr-2965	89	11	the	the	DET
cblr-2965	89	12	behavior	behavior	NOUN
cblr-2965	89	13	of	of	ADP
cblr-2965	89	14	fund	fund	NOUN
cblr-2965	89	15	investors	investor	NOUN
cblr-2965	89	16	,	,	PUNCT
cblr-2965	89	17	has	have	AUX
cblr-2965	89	18	also	also	ADV
cblr-2965	89	19	disregarded	disregard	VERB
cblr-2965	89	20	the	the	DET
cblr-2965	89	21	academic	academic	ADJ
cblr-2965	89	22	literature	literature	NOUN
cblr-2965	89	23	.	.	PUNCT
cblr-2965	90	1	instead	instead	ADV
cblr-2965	90	2	,	,	PUNCT
cblr-2965	90	3	sec	sec	PROPN
cblr-2965	90	4	rulemaking	rulemaking	NOUN
cblr-2965	90	5	releases	release	NOUN
cblr-2965	90	6	often	often	ADV
cblr-2965	90	7	cite	cite	VERB
cblr-2965	90	8	to	to	PART
cblr-2965	90	9	ici	ici	VERB
cblr-2965	90	10	research	research	NOUN
cblr-2965	90	11	and	and	CCONJ
cblr-2965	90	12	comment	comment	NOUN
cblr-2965	90	13	letters	letter	NOUN
cblr-2965	90	14	,	,	PUNCT
cblr-2965	90	15	particularly	particularly	ADV
cblr-2965	90	16	with	with	ADP
cblr-2965	90	17	respect	respect	NOUN
cblr-2965	90	18	to	to	ADP
cblr-2965	90	19	the	the	DET
cblr-2965	90	20	information	information	NOUN
cblr-2965	90	21	needs	need	NOUN
cblr-2965	90	22	of	of	ADP
cblr-2965	90	23	fund	fund	NOUN
cblr-2965	90	24	investors	investor	NOUN
cblr-2965	90	25	.	.	PUNCT
cblr-2965	91	1	in	in	ADP
cblr-2965	91	2	short	short	ADJ
cblr-2965	91	3	,	,	PUNCT
cblr-2965	91	4	there	there	PRON
cblr-2965	91	5	is	be	VERB
cblr-2965	91	6	overwhelming	overwhelming	ADJ
cblr-2965	91	7	evidence	evidence	NOUN
cblr-2965	91	8	of	of	ADP
cblr-2965	91	9	investors	investor	NOUN
cblr-2965	91	10	'	'	PART
cblr-2965	91	11	limitations	limitation	NOUN
cblr-2965	91	12	and	and	CCONJ
cblr-2965	91	13	of	of	ADP
cblr-2965	91	14	their	their	PRON
cblr-2965	91	15	inability	inability	NOUN
cblr-2965	91	16	to	to	PART
cblr-2965	91	17	protect	protect	VERB
cblr-2965	91	18	their	their	PRON
cblr-2965	91	19	own	own	ADJ
cblr-2965	91	20	interests	interest	NOUN
cblr-2965	91	21	,	,	PUNCT
cblr-2965	91	22	lending	lend	VERB
cblr-2965	91	23	support	support	NOUN
cblr-2965	91	24	to	to	ADP
cblr-2965	91	25	a	a	DET
cblr-2965	91	26	key	key	ADJ
cblr-2965	91	27	premise	premise	NOUN
cblr-2965	91	28	of	of	ADP
cblr-2965	91	29	the	the	DET
cblr-2965	91	30	1940	1940	NUM
cblr-2965	91	31	act	act	NOUN
cblr-2965	91	32	regulatory	regulatory	ADJ
cblr-2965	91	33	regime	regime	NOUN
cblr-2965	91	34	.	.	PUNCT
cblr-2965	92	1	this	this	DET
cblr-2965	92	2	evidence	evidence	NOUN
cblr-2965	92	3	,	,	PUNCT
cblr-2965	92	4	however	however	ADV
cblr-2965	92	5	,	,	PUNCT
cblr-2965	92	6	is	be	AUX
cblr-2965	92	7	disregarded	disregard	VERB
cblr-2965	92	8	by	by	ADP
cblr-2965	92	9	the	the	DET
cblr-2965	92	10	industry	industry	NOUN
cblr-2965	92	11	that	that	PRON
cblr-2965	92	12	purports	purport	VERB
cblr-2965	92	13	to	to	PART
cblr-2965	92	14	serve	serve	VERB
cblr-2965	92	15	fund	fund	NOUN
cblr-2965	92	16	investors	investor	NOUN
cblr-2965	92	17	and	and	CCONJ
cblr-2965	92	18	by	by	ADP
cblr-2965	92	19	the	the	DET
cblr-2965	92	20	regulator	regulator	NOUN
cblr-2965	92	21	charged	charge	VERB
cblr-2965	92	22	with	with	ADP
cblr-2965	92	23	responding	respond	VERB
cblr-2965	92	24	to	to	ADP
cblr-2965	92	25	market	market	NOUN
cblr-2965	92	26	failure	failure	NOUN
cblr-2965	92	27	.	.	PUNCT
cblr-2965	93	1	although	although	SCONJ
cblr-2965	93	2	the	the	DET
cblr-2965	93	3	industry	industry	NOUN
cblr-2965	93	4	trumpets	trumpet	VERB
cblr-2965	93	5	the	the	DET
cblr-2965	93	6	"	"	PUNCT
cblr-2965	93	7	fiercely	fiercely	ADV
cblr-2965	93	8	competitive	competitive	ADJ
cblr-2965	93	9	"	"	PUNCT
cblr-2965	93	10	market	market	NOUN
cblr-2965	93	11	in	in	ADP
cblr-2965	93	12	which	which	PRON
cblr-2965	93	13	it	it	PRON
cblr-2965	93	14	operates	operate	VERB
cblr-2965	93	15	and	and	CCONJ
cblr-2965	93	16	the	the	DET
cblr-2965	93	17	sec	sec	PROPN
cblr-2965	93	18	extols	extol	VERB
cblr-2965	93	19	the	the	DET
cblr-2965	93	20	virtues	virtue	NOUN
cblr-2965	93	21	of	of	ADP
cblr-2965	93	22	competition	competition	NOUN
cblr-2965	93	23	,	,	PUNCT
cblr-2965	93	24	the	the	DET
cblr-2965	93	25	evidence	evidence	NOUN
cblr-2965	93	26	shows	show	VERB
cblr-2965	93	27	that	that	SCONJ
cblr-2965	93	28	fund	fund	NOUN
cblr-2965	93	29	investors	investor	NOUN
cblr-2965	93	30	lack	lack	VERB
cblr-2965	93	31	the	the	DET
cblr-2965	93	32	knowledge	knowledge	NOUN
cblr-2965	93	33	and	and	CCONJ
cblr-2965	93	34	financial	financial	ADJ
cblr-2965	93	35	sophistication	sophistication	NOUN
cblr-2965	93	36	to	to	PART
cblr-2965	93	37	sufficiently	sufficiently	ADV
cblr-2965	93	38	discipline	discipline	VERB
cblr-2965	93	39	the	the	DET
cblr-2965	93	40	mutual	mutual	ADJ
cblr-2965	93	41	fund	fund	NOUN
cblr-2965	93	42	industry	industry	NOUN
cblr-2965	93	43	.	.	PUNCT
cblr-2965	94	1	this	this	DET
cblr-2965	94	2	article	article	NOUN
cblr-2965	94	3	questions	question	VERB
cblr-2965	94	4	the	the	DET
cblr-2965	94	5	accuracy	accuracy	NOUN
cblr-2965	94	6	of	of	ADP
cblr-2965	94	7	the	the	DET
cblr-2965	94	8	portraits	portrait	NOUN
cblr-2965	94	9	of	of	ADP
cblr-2965	94	10	mutual	mutual	ADJ
cblr-2965	94	11	fund	fund	NOUN
cblr-2965	94	12	investors	investor	NOUN
cblr-2965	94	13	painted	paint	VERB
cblr-2965	94	14	by	by	ADP
cblr-2965	94	15	the	the	DET
cblr-2965	94	16	fund	fund	NOUN
cblr-2965	94	17	industry	industry	NOUN
cblr-2965	94	18	and	and	CCONJ
cblr-2965	94	19	the	the	DET
cblr-2965	94	20	sec	sec	PROPN
cblr-2965	94	21	,	,	PUNCT
cblr-2965	94	22	and	and	CCONJ
cblr-2965	94	23	seeks	seek	VERB
cblr-2965	94	24	to	to	PART
cblr-2965	94	25	offer	offer	VERB
cblr-2965	94	26	a	a	PRON
cblr-2965	94	27	more	more	ADV
cblr-2965	94	28	accurate	accurate	ADJ
cblr-2965	94	29	(	(	PUNCT
cblr-2965	94	30	although	although	SCONJ
cblr-2965	94	31	less	less	ADV
cblr-2965	94	32	attractive	attractive	ADJ
cblr-2965	94	33	)	)	PUNCT
cblr-2965	94	34	portrait	portrait	NOUN
cblr-2965	94	35	painted	paint	VERB
cblr-2965	94	36	by	by	ADP
cblr-2965	94	37	the	the	DET
cblr-2965	94	38	academic	academic	ADJ
cblr-2965	94	39	literature	literature	NOUN
cblr-2965	94	40	.	.	PUNCT
cblr-2965	95	1	it	it	PRON
cblr-2965	95	2	argues	argue	VERB
cblr-2965	95	3	that	that	SCONJ
cblr-2965	95	4	policymakers	policymaker	NOUN
cblr-2965	95	5	should	should	AUX
cblr-2965	95	6	pay	pay	VERB
cblr-2965	95	7	greater	great	ADJ
cblr-2965	95	8	attention	attention	NOUN
cblr-2965	95	9	to	to	PART
cblr-2965	95	10	fund	fund	VERB
cblr-2965	95	11	investors	investor	NOUN
cblr-2965	95	12	'	'	PART
cblr-2965	95	13	ignorance	ignorance	NOUN
cblr-2965	95	14	and	and	CCONJ
cblr-2965	95	15	limitations	limitation	NOUN
cblr-2965	95	16	,	,	PUNCT
cblr-2965	95	17	which	which	PRON
cblr-2965	95	18	undermine	undermine	VERB
cblr-2965	95	19	the	the	DET
cblr-2965	95	20	viability	viability	NOUN
cblr-2965	95	21	of	of	ADP
cblr-2965	95	22	our	our	PRON
cblr-2965	95	23	private	private	ADJ
cblr-2965	95	24	retirement	retirement	NOUN
cblr-2965	95	25	system	system	NOUN
cblr-2965	95	26	.	.	PUNCT
cblr-2965	96	1	recent	recent	ADJ
cblr-2965	96	2	efforts	effort	NOUN
cblr-2965	96	3	no	no	INTJ
cblr-2965	96	4	.	.	PUNCT
cblr-2965	97	1	3:934	3:934	X
cblr-2965	97	2	]	]	PUNCT
cblr-2965	97	3	by	by	ADP
cblr-2965	97	4	the	the	DET
cblr-2965	97	5	sec	sec	PROPN
cblr-2965	97	6	to	to	PART
cblr-2965	97	7	educate	educate	VERB
cblr-2965	97	8	investors	investor	NOUN
cblr-2965	97	9	and	and	CCONJ
cblr-2965	97	10	to	to	PART
cblr-2965	97	11	improve	improve	VERB
cblr-2965	97	12	mutual	mutual	ADJ
cblr-2965	97	13	fund	fund	NOUN
cblr-2965	97	14	disclosure	disclosure	NOUN
cblr-2965	97	15	fail	fail	VERB
cblr-2965	97	16	to	to	PART
cblr-2965	97	17	recognize	recognize	VERB
cblr-2965	97	18	the	the	DET
cblr-2965	97	19	extent	extent	NOUN
cblr-2965	97	20	of	of	ADP
cblr-2965	97	21	investors	investor	NOUN
cblr-2965	97	22	'	'	PART
cblr-2965	97	23	limitations	limitation	NOUN
cblr-2965	97	24	.	.	PUNCT
cblr-2965	98	1	thus	thus	ADV
cblr-2965	98	2	,	,	PUNCT
cblr-2965	98	3	these	these	DET
cblr-2965	98	4	efforts	effort	NOUN
cblr-2965	98	5	are	be	AUX
cblr-2965	98	6	unlikely	unlikely	ADJ
cblr-2965	98	7	to	to	PART
cblr-2965	98	8	significantly	significantly	ADV
cblr-2965	98	9	improve	improve	VERB
cblr-2965	98	10	investors	investor	NOUN
cblr-2965	98	11	'	'	PART
cblr-2965	98	12	ability	ability	NOUN
cblr-2965	98	13	to	to	PART
cblr-2965	98	14	pursue	pursue	VERB
cblr-2965	98	15	their	their	PRON
cblr-2965	98	16	own	own	ADJ
cblr-2965	98	17	interests	interest	NOUN
cblr-2965	98	18	and	and	CCONJ
cblr-2965	98	19	,	,	PUNCT
cblr-2965	98	20	in	in	ADP
cblr-2965	98	21	doing	do	VERB
cblr-2965	98	22	so	so	ADV
cblr-2965	98	23	,	,	PUNCT
cblr-2965	98	24	to	to	PART
cblr-2965	98	25	provide	provide	VERB
cblr-2965	98	26	important	important	ADJ
cblr-2965	98	27	market	market	NOUN
cblr-2965	98	28	discipline	discipline	NOUN
cblr-2965	98	29	over	over	ADP
cblr-2965	98	30	mutual	mutual	ADJ
cblr-2965	98	31	funds	fund	NOUN
cblr-2965	98	32	.	.	PUNCT
cblr-2965	99	1	part	part	PROPN
cblr-2965	99	2	ii	ii	PROPN
cblr-2965	99	3	provides	provide	VERB
cblr-2965	99	4	background	background	NOUN
cblr-2965	99	5	information	information	NOUN
cblr-2965	99	6	about	about	ADP
cblr-2965	99	7	mutual	mutual	ADJ
cblr-2965	99	8	funds	fund	NOUN
cblr-2965	99	9	,	,	PUNCT
cblr-2965	99	10	the	the	DET
cblr-2965	99	11	companies	company	NOUN
cblr-2965	99	12	that	that	PRON
cblr-2965	99	13	create	create	VERB
cblr-2965	99	14	and	and	CCONJ
cblr-2965	99	15	manage	manage	VERB
cblr-2965	99	16	them	they	PRON
cblr-2965	99	17	,	,	PUNCT
cblr-2965	99	18	and	and	CCONJ
cblr-2965	99	19	the	the	DET
cblr-2965	99	20	investors	investor	NOUN
cblr-2965	99	21	who	who	PRON
cblr-2965	99	22	buy	buy	VERB
cblr-2965	99	23	them	they	PRON
cblr-2965	99	24	.	.	PUNCT
cblr-2965	100	1	part	part	NOUN
cblr-2965	100	2	iii	iii	NOUN
cblr-2965	100	3	presents	present	VERB
cblr-2965	100	4	the	the	DET
cblr-2965	100	5	profile	profile	NOUN
cblr-2965	100	6	of	of	ADP
cblr-2965	100	7	the	the	DET
cblr-2965	100	8	mutual	mutual	ADJ
cblr-2965	100	9	fund	fund	NOUN
cblr-2965	100	10	investor	investor	NOUN
cblr-2965	100	11	as	as	SCONJ
cblr-2965	100	12	advanced	advance	VERB
cblr-2965	100	13	by	by	ADP
cblr-2965	100	14	the	the	DET
cblr-2965	100	15	ici	ici	PROPN
cblr-2965	100	16	.	.	PUNCT
cblr-2965	101	1	part	part	NOUN
cblr-2965	101	2	iv	iv	NUM
cblr-2965	101	3	identifies	identify	VERB
cblr-2965	101	4	the	the	DET
cblr-2965	101	5	fund	fund	NOUN
cblr-2965	101	6	investor	investor	NOUN
cblr-2965	101	7	profile	profile	NOUN
cblr-2965	101	8	assumed	assume	VERB
cblr-2965	101	9	by	by	ADP
cblr-2965	101	10	the	the	DET
cblr-2965	101	11	sec	sec	PROPN
cblr-2965	101	12	.	.	PROPN
cblr-2965	102	1	part	part	NOUN
cblr-2965	102	2	v	v	PROPN
cblr-2965	102	3	describes	describe	VERB
cblr-2965	102	4	the	the	DET
cblr-2965	102	5	academic	academic	ADJ
cblr-2965	102	6	literature	literature	NOUN
cblr-2965	102	7	on	on	ADP
cblr-2965	102	8	fund	fund	NOUN
cblr-2965	102	9	investor	investor	NOUN
cblr-2965	102	10	knowledge	knowledge	NOUN
cblr-2965	102	11	and	and	CCONJ
cblr-2965	102	12	behavior	behavior	NOUN
cblr-2965	102	13	,	,	PUNCT
cblr-2965	102	14	which	which	PRON
cblr-2965	102	15	presents	present	VERB
cblr-2965	102	16	an	an	DET
cblr-2965	102	17	investor	investor	NOUN
cblr-2965	102	18	profile	profile	NOUN
cblr-2965	102	19	far	far	ADV
cblr-2965	102	20	different	different	ADJ
cblr-2965	102	21	from	from	ADP
cblr-2965	102	22	those	those	PRON
cblr-2965	102	23	advanced	advance	VERB
cblr-2965	102	24	by	by	ADP
cblr-2965	102	25	the	the	DET
cblr-2965	102	26	ici	ici	PROPN
cblr-2965	102	27	and	and	CCONJ
cblr-2965	102	28	sec	sec	PROPN
cblr-2965	102	29	.	.	PUNCT
cblr-2965	103	1	finally	finally	ADV
cblr-2965	103	2	,	,	PUNCT
cblr-2965	103	3	part	part	NOUN
cblr-2965	103	4	vi	vi	PROPN
cblr-2965	103	5	discusses	discuss	VERB
cblr-2965	103	6	the	the	DET
cblr-2965	103	7	implications	implication	NOUN
cblr-2965	103	8	that	that	SCONJ
cblr-2965	103	9	the	the	DET
cblr-2965	103	10	academic	academic	ADJ
cblr-2965	103	11	literature	literature	NOUN
cblr-2965	103	12	has	have	VERB
cblr-2965	103	13	for	for	ADP
cblr-2965	103	14	the	the	DET
cblr-2965	103	15	sec	sec	PROPN
cblr-2965	103	16	's	's	PART
cblr-2965	103	17	regulatory	regulatory	ADJ
cblr-2965	103	18	policy	policy	NOUN
cblr-2965	103	19	toward	toward	ADP
cblr-2965	103	20	mutual	mutual	ADJ
cblr-2965	103	21	funds	fund	NOUN
cblr-2965	103	22	.	.	PUNCT
cblr-2965	104	1	ii	ii	PROPN
cblr-2965	104	2	.	.	PUNCT
cblr-2965	105	1	the	the	DET
cblr-2965	105	2	mutual	mutual	ADJ
cblr-2965	105	3	fund	fund	NOUN
cblr-2965	105	4	market	market	NOUN
cblr-2965	105	5	a	a	DET
cblr-2965	105	6	mutual	mutual	ADJ
cblr-2965	105	7	fund	fund	NOUN
cblr-2965	105	8	pools	pool	NOUN
cblr-2965	105	9	multiple	multiple	ADJ
cblr-2965	105	10	investors	investor	NOUN
cblr-2965	105	11	'	'	PART
cblr-2965	105	12	money	money	NOUN
cblr-2965	105	13	into	into	ADP
cblr-2965	105	14	a	a	DET
cblr-2965	105	15	single	single	ADJ
cblr-2965	105	16	investment	investment	NOUN
cblr-2965	105	17	portfolio	portfolio	NOUN
cblr-2965	105	18	created	create	VERB
cblr-2965	105	19	and	and	CCONJ
cblr-2965	105	20	managed	manage	VERB
cblr-2965	105	21	by	by	ADP
cblr-2965	105	22	a	a	DET
cblr-2965	105	23	fund	fund	NOUN
cblr-2965	105	24	management	management	NOUN
cblr-2965	105	25	company.1	company.1	PROPN
cblr-2965	105	26	investors	investor	NOUN
cblr-2965	105	27	who	who	PRON
cblr-2965	105	28	purchase	purchase	VERB
cblr-2965	105	29	shares	share	NOUN
cblr-2965	105	30	of	of	ADP
cblr-2965	105	31	the	the	DET
cblr-2965	105	32	fund	fund	NOUN
cblr-2965	105	33	,	,	PUNCT
cblr-2965	105	34	typically	typically	ADV
cblr-2965	105	35	organized	organize	VERB
cblr-2965	105	36	as	as	ADP
cblr-2965	105	37	a	a	DET
cblr-2965	105	38	separate	separate	ADJ
cblr-2965	105	39	corporation	corporation	NOUN
cblr-2965	105	40	or	or	CCONJ
cblr-2965	105	41	trust	trust	NOUN
cblr-2965	105	42	,	,	PUNCT
cblr-2965	105	43	are	be	AUX
cblr-2965	105	44	entitled	entitle	VERB
cblr-2965	105	45	to	to	ADP
cblr-2965	105	46	the	the	DET
cblr-2965	105	47	proportionate	proportionate	ADJ
cblr-2965	105	48	return	return	NOUN
cblr-2965	105	49	from	from	ADP
cblr-2965	105	50	the	the	DET
cblr-2965	105	51	assets	asset	NOUN
cblr-2965	105	52	held	hold	VERB
cblr-2965	105	53	by	by	ADP
cblr-2965	105	54	the	the	DET
cblr-2965	105	55	fund	fund	NOUN
cblr-2965	105	56	.	.	PUNCT
cblr-2965	106	1	thus	thus	ADV
cblr-2965	106	2	,	,	PUNCT
cblr-2965	106	3	the	the	DET
cblr-2965	106	4	investors	investor	NOUN
cblr-2965	106	5	do	do	AUX
cblr-2965	106	6	not	not	PART
cblr-2965	106	7	own	own	VERB
cblr-2965	106	8	the	the	DET
cblr-2965	106	9	fund	fund	NOUN
cblr-2965	106	10	assets	asset	NOUN
cblr-2965	106	11	directly	directly	ADV
cblr-2965	106	12	,	,	PUNCT
cblr-2965	106	13	but	but	CCONJ
cblr-2965	106	14	rather	rather	ADV
cblr-2965	106	15	own	own	ADJ
cblr-2965	106	16	pieces	piece	NOUN
cblr-2965	106	17	of	of	ADP
cblr-2965	106	18	the	the	DET
cblr-2965	106	19	mutual	mutual	ADJ
cblr-2965	106	20	fund	fund	NOUN
cblr-2965	106	21	.	.	PUNCT
cblr-2965	107	1	investors	investor	NOUN
cblr-2965	107	2	in	in	ADP
cblr-2965	107	3	open	open	ADJ
cblr-2965	107	4	-	-	PUNCT
cblr-2965	107	5	end	end	NOUN
cblr-2965	107	6	funds	fund	NOUN
cblr-2965	107	7	(	(	PUNCT
cblr-2965	107	8	the	the	DET
cblr-2965	107	9	most	most	ADV
cblr-2965	107	10	prevalent	prevalent	ADJ
cblr-2965	107	11	form	form	NOUN
cblr-2965	107	12	)	)	PUNCT
cblr-2965	107	13	have	have	VERB
cblr-2965	107	14	the	the	DET
cblr-2965	107	15	right	right	NOUN
cblr-2965	107	16	to	to	PART
cblr-2965	107	17	withdraw	withdraw	VERB
cblr-2965	107	18	their	their	PRON
cblr-2965	107	19	investment	investment	NOUN
cblr-2965	107	20	at	at	ADP
cblr-2965	107	21	any	any	DET
cblr-2965	107	22	time	time	NOUN
cblr-2965	107	23	at	at	ADP
cblr-2965	107	24	a	a	DET
cblr-2965	107	25	price	price	NOUN
cblr-2965	107	26	determined	determine	VERB
cblr-2965	107	27	by	by	ADP
cblr-2965	107	28	the	the	DET
cblr-2965	107	29	fund	fund	NOUN
cblr-2965	107	30	's	's	PART
cblr-2965	107	31	net	net	ADJ
cblr-2965	107	32	asset	asset	NOUN
cblr-2965	107	33	value	value	NOUN
cblr-2965	107	34	.	.	PUNCT
cblr-2965	108	1	mutual	mutual	ADJ
cblr-2965	108	2	funds	fund	NOUN
cblr-2965	108	3	vary	vary	VERB
cblr-2965	108	4	considerably	considerably	ADV
cblr-2965	108	5	,	,	PUNCT
cblr-2965	108	6	including	include	VERB
cblr-2965	108	7	in	in	ADP
cblr-2965	108	8	the	the	DET
cblr-2965	108	9	types	type	NOUN
cblr-2965	108	10	of	of	ADP
cblr-2965	108	11	financial	financial	ADJ
cblr-2965	108	12	assets	asset	NOUN
cblr-2965	108	13	held	hold	VERB
cblr-2965	108	14	,	,	PUNCT
cblr-2965	108	15	their	their	PRON
cblr-2965	108	16	investment	investment	NOUN
cblr-2965	108	17	objectives	objective	NOUN
cblr-2965	108	18	and	and	CCONJ
cblr-2965	108	19	strategies	strategy	NOUN
cblr-2965	108	20	,	,	PUNCT
cblr-2965	108	21	and	and	CCONJ
cblr-2965	108	22	their	their	PRON
cblr-2965	108	23	fees	fee	NOUN
cblr-2965	108	24	and	and	CCONJ
cblr-2965	108	25	expenses	expense	NOUN
cblr-2965	108	26	-	-	PUNCT
cblr-2965	108	27	all	all	PRON
cblr-2965	108	28	of	of	ADP
cblr-2965	108	29	which	which	PRON
cblr-2965	108	30	are	be	AUX
cblr-2965	108	31	set	set	VERB
cblr-2965	108	32	forth	forth	ADV
cblr-2965	108	33	in	in	ADP
cblr-2965	108	34	a	a	DET
cblr-2965	108	35	fund	fund	NOUN
cblr-2965	108	36	's	's	PART
cblr-2965	108	37	prospectus	prospectus	NOUN
cblr-2965	108	38	.	.	PUNCT
cblr-2965	109	1	the	the	DET
cblr-2965	109	2	sec	sec	PROPN
cblr-2965	109	3	is	be	AUX
cblr-2965	109	4	the	the	DET
cblr-2965	109	5	primary	primary	ADJ
cblr-2965	109	6	regulator	regulator	NOUN
cblr-2965	109	7	of	of	ADP
cblr-2965	109	8	the	the	DET
cblr-2965	109	9	mutual	mutual	ADJ
cblr-2965	109	10	fund	fund	NOUN
cblr-2965	109	11	'	'	PUNCT
cblr-2965	109	12	for	for	ADP
cblr-2965	109	13	a	a	DET
cblr-2965	109	14	description	description	NOUN
cblr-2965	109	15	of	of	ADP
cblr-2965	109	16	the	the	DET
cblr-2965	109	17	basic	basic	ADJ
cblr-2965	109	18	characteristics	characteristic	NOUN
cblr-2965	109	19	of	of	ADP
cblr-2965	109	20	mutual	mutual	ADJ
cblr-2965	109	21	funds	fund	NOUN
cblr-2965	109	22	,	,	PUNCT
cblr-2965	109	23	see	see	VERB
cblr-2965	109	24	sec	sec	PROPN
cblr-2965	109	25	,	,	PUNCT
cblr-2965	109	26	invest	invest	VERB
cblr-2965	109	27	wisely	wisely	ADV
cblr-2965	109	28	:	:	PUNCT
cblr-2965	109	29	an	an	DET
cblr-2965	109	30	introduction	introduction	NOUN
cblr-2965	109	31	to	to	ADP
cblr-2965	109	32	mutual	mutual	ADJ
cblr-2965	109	33	funds	fund	NOUN
cblr-2965	109	34	,	,	PUNCT
cblr-2965	109	35	http://sec.gov/investor/pubs/inwsmf.htm	http://sec.gov/investor/pubs/inwsmf.htm	PROPN
cblr-2965	109	36	(	(	PUNCT
cblr-2965	109	37	last	last	ADV
cblr-2965	109	38	visited	visit	VERB
cblr-2965	109	39	dec	dec	PROPN
cblr-2965	109	40	.	.	PROPN
cblr-2965	109	41	3	3	NUM
cblr-2965	109	42	,	,	PUNCT
cblr-2965	109	43	2008	2008	NUM
cblr-2965	109	44	)	)	PUNCT
cblr-2965	110	1	[	[	X
cblr-2965	110	2	hereinafter	hereinafter	NOUN
cblr-2965	110	3	sec	sec	PROPN
cblr-2965	110	4	,	,	PUNCT
cblr-2965	110	5	invest	invest	VERB
cblr-2965	110	6	wisely	wisely	ADV
cblr-2965	110	7	]	]	PUNCT
cblr-2965	110	8	.	.	PUNCT
cblr-2965	111	1	[	[	X
cblr-2965	111	2	vol	vol	NOUN
cblr-2965	111	3	.	.	PUNCT
cblr-2965	112	1	2008col	2008col	NUM
cblr-2965	112	2	umia	umia	NOUN
cblr-2965	112	3	b	b	PROPN
cblr-2965	112	4	usiness	usiness	NOUN
cblr-2965	112	5	la	la	PROPN
cblr-2965	112	6	w	w	PROPN
cblr-2965	112	7	re	re	PROPN
cblr-2965	112	8	vie	vie	PROPN
cblr-2965	112	9	w	w	PROPN
cblr-2965	112	10	industry	industry	PROPN
cblr-2965	112	11	,	,	PUNCT
cblr-2965	112	12	but	but	CCONJ
cblr-2965	112	13	no	no	DET
cblr-2965	112	14	government	government	NOUN
cblr-2965	112	15	agency	agency	NOUN
cblr-2965	112	16	guarantees	guarantee	NOUN
cblr-2965	112	17	or	or	CCONJ
cblr-2965	112	18	insures	insure	VERB
cblr-2965	112	19	investors	investor	NOUN
cblr-2965	112	20	'	'	PART
cblr-2965	112	21	fund	fund	NOUN
cblr-2965	112	22	investments	investment	NOUN
cblr-2965	112	23	.	.	PUNCT
cblr-2965	113	1	as	as	ADP
cblr-2965	113	2	of	of	ADP
cblr-2965	113	3	the	the	DET
cblr-2965	113	4	end	end	NOUN
cblr-2965	113	5	of	of	ADP
cblr-2965	113	6	2007	2007	NUM
cblr-2965	113	7	,	,	PUNCT
cblr-2965	113	8	u.s	u.s	PROPN
cblr-2965	113	9	.	.	PROPN
cblr-2965	113	10	mutual	mutual	ADJ
cblr-2965	113	11	funds	fund	NOUN
cblr-2965	113	12	held	hold	VERB
cblr-2965	113	13	$	$	SYM
cblr-2965	113	14	12	12	NUM
cblr-2965	113	15	trillion	trillion	NUM
cblr-2965	113	16	in	in	ADP
cblr-2965	113	17	assets2	assets2	PROPN
cblr-2965	113	18	and	and	CCONJ
cblr-2965	113	19	24	24	NUM
cblr-2965	113	20	%	%	NOUN
cblr-2965	113	21	of	of	ADP
cblr-2965	113	22	all	all	DET
cblr-2965	113	23	outstanding	outstanding	ADJ
cblr-2965	113	24	equity	equity	NOUN
cblr-2965	113	25	of	of	ADP
cblr-2965	113	26	u.s	u.s	PROPN
cblr-2965	113	27	.	.	PROPN
cblr-2965	113	28	public	public	ADJ
cblr-2965	113	29	companies	company	NOUN
cblr-2965	113	30	.	.	PUNCT
cblr-2965	113	31	'	'	PUNCT
cblr-2965	114	1	investors	investor	NOUN
cblr-2965	114	2	have	have	VERB
cblr-2965	114	3	a	a	DET
cblr-2965	114	4	great	great	ADJ
cblr-2965	114	5	number	number	NOUN
cblr-2965	114	6	of	of	ADP
cblr-2965	114	7	funds	fund	NOUN
cblr-2965	114	8	to	to	PART
cblr-2965	114	9	choose	choose	VERB
cblr-2965	114	10	from-8752	from-8752	ADJ
cblr-2965	114	11	as	as	ADP
cblr-2965	114	12	of	of	ADP
cblr-2965	114	13	the	the	DET
cblr-2965	114	14	end	end	NOUN
cblr-2965	114	15	of	of	ADP
cblr-2965	114	16	2007.4	2007.4	NUM
cblr-2965	114	17	although	although	SCONJ
cblr-2965	114	18	no	no	DET
cblr-2965	114	19	single	single	ADJ
cblr-2965	114	20	fund	fund	NOUN
cblr-2965	114	21	family	family	NOUN
cblr-2965	114	22	dominates	dominate	VERB
cblr-2965	114	23	the	the	DET
cblr-2965	114	24	mutual	mutual	ADJ
cblr-2965	114	25	fund	fund	NOUN
cblr-2965	114	26	market	market	NOUN
cblr-2965	114	27	,	,	PUNCT
cblr-2965	114	28	the	the	DET
cblr-2965	114	29	five	five	NUM
cblr-2965	114	30	largest	large	ADJ
cblr-2965	114	31	fund	fund	NOUN
cblr-2965	114	32	families	family	NOUN
cblr-2965	114	33	control	control	VERB
cblr-2965	114	34	38	38	NUM
cblr-2965	114	35	%	%	NOUN
cblr-2965	114	36	of	of	ADP
cblr-2965	114	37	the	the	DET
cblr-2965	114	38	industry	industry	NOUN
cblr-2965	114	39	's	's	PART
cblr-2965	114	40	total	total	ADJ
cblr-2965	114	41	assets	asset	NOUN
cblr-2965	114	42	.	.	PUNCT
cblr-2965	114	43	'	'	PUNCT
cblr-2965	115	1	some	some	DET
cblr-2965	115	2	fund	fund	NOUN
cblr-2965	115	3	families	family	NOUN
cblr-2965	115	4	,	,	PUNCT
cblr-2965	115	5	such	such	ADJ
cblr-2965	115	6	as	as	ADP
cblr-2965	115	7	fidelity	fidelity	PROPN
cblr-2965	115	8	investments	investment	NOUN
cblr-2965	115	9	and	and	CCONJ
cblr-2965	115	10	the	the	DET
cblr-2965	115	11	vanguard	vanguard	PROPN
cblr-2965	115	12	group	group	NOUN
cblr-2965	115	13	,	,	PUNCT
cblr-2965	115	14	offer	offer	VERB
cblr-2965	115	15	more	more	ADJ
cblr-2965	115	16	than	than	ADP
cblr-2965	115	17	a	a	DET
cblr-2965	115	18	hundred	hundred	NUM
cblr-2965	115	19	funds.6	funds.6	PROPN
cblr-2965	115	20	ownership	ownership	NOUN
cblr-2965	115	21	of	of	ADP
cblr-2965	115	22	mutual	mutual	ADJ
cblr-2965	115	23	funds	fund	NOUN
cblr-2965	115	24	is	be	AUX
cblr-2965	115	25	widespread	widespread	ADJ
cblr-2965	115	26	.	.	PUNCT
cblr-2965	116	1	of	of	ADP
cblr-2965	116	2	the	the	DET
cblr-2965	116	3	116	116	NUM
cblr-2965	116	4	million	million	NUM
cblr-2965	116	5	households	household	NOUN
cblr-2965	116	6	in	in	ADP
cblr-2965	116	7	the	the	DET
cblr-2965	116	8	united	united	PROPN
cblr-2965	116	9	states	states	PROPN
cblr-2965	116	10	,	,	PUNCT
cblr-2965	116	11	almost	almost	ADV
cblr-2965	116	12	51	51	NUM
cblr-2965	116	13	million	million	NUM
cblr-2965	116	14	(	(	PUNCT
cblr-2965	116	15	or	or	CCONJ
cblr-2965	116	16	44	44	NUM
cblr-2965	116	17	%	%	NOUN
cblr-2965	116	18	)	)	PUNCT
cblr-2965	116	19	own	own	ADJ
cblr-2965	116	20	mutual	mutual	ADJ
cblr-2965	116	21	funds	fund	NOUN
cblr-2965	116	22	,	,	PUNCT
cblr-2965	116	23	far	far	ADV
cblr-2965	116	24	more	more	ADV
cblr-2965	116	25	than	than	SCONJ
cblr-2965	116	26	hold	hold	VERB
cblr-2965	116	27	individual	individual	ADJ
cblr-2965	116	28	stocks	stock	NOUN
cblr-2965	116	29	and	and	CCONJ
cblr-2965	116	30	bonds.7	bonds.7	PROPN
cblr-2965	116	31	also	also	ADV
cblr-2965	116	32	,	,	PUNCT
cblr-2965	116	33	most	most	ADJ
cblr-2965	116	34	households	household	NOUN
cblr-2965	116	35	that	that	PRON
cblr-2965	116	36	own	own	VERB
cblr-2965	116	37	mutual	mutual	ADJ
cblr-2965	116	38	funds	fund	NOUN
cblr-2965	116	39	have	have	VERB
cblr-2965	116	40	moderate	moderate	ADJ
cblr-2965	116	41	income	income	NOUN
cblr-2965	116	42	and	and	CCONJ
cblr-2965	116	43	wealth	wealth	NOUN
cblr-2965	116	44	.	.	PUNCT
cblr-2965	117	1	the	the	DET
cblr-2965	117	2	median	median	ADJ
cblr-2965	117	3	household	household	NOUN
cblr-2965	117	4	income	income	NOUN
cblr-2965	117	5	of	of	ADP
cblr-2965	117	6	mutual	mutual	ADJ
cblr-2965	117	7	fund	fund	NOUN
cblr-2965	117	8	investors	investor	NOUN
cblr-2965	117	9	is	be	AUX
cblr-2965	117	10	$	$	SYM
cblr-2965	117	11	74,000.8	74,000.8	NUM
cblr-2965	117	12	twothirds	twothird	NOUN
cblr-2965	117	13	of	of	ADP
cblr-2965	117	14	households	household	NOUN
cblr-2965	117	15	that	that	PRON
cblr-2965	117	16	own	own	VERB
cblr-2965	117	17	mutual	mutual	ADJ
cblr-2965	117	18	funds	fund	NOUN
cblr-2965	117	19	have	have	VERB
cblr-2965	117	20	incomes	income	NOUN
cblr-2965	117	21	of	of	ADP
cblr-2965	117	22	less	less	ADJ
cblr-2965	117	23	than	than	ADP
cblr-2965	117	24	$	$	SYM
cblr-2965	117	25	100,000	100,000	NUM
cblr-2965	117	26	,	,	PUNCT
cblr-2965	117	27	and	and	CCONJ
cblr-2965	117	28	26	26	NUM
cblr-2965	117	29	%	%	NOUN
cblr-2965	117	30	have	have	VERB
cblr-2965	117	31	incomes	income	NOUN
cblr-2965	117	32	below	below	ADP
cblr-2965	117	33	$	$	SYM
cblr-2965	117	34	50,000	50,000	NUM
cblr-2965	117	35	.	.	PUNCT
cblr-2965	118	1	9	9	NUM
cblr-2965	118	2	in	in	ADP
cblr-2965	118	3	addition	addition	NOUN
cblr-2965	118	4	,	,	PUNCT
cblr-2965	118	5	fund	fund	NOUN
cblr-2965	118	6	-	-	PUNCT
cblr-2965	118	7	owning	own	VERB
cblr-2965	118	8	households	household	NOUN
cblr-2965	118	9	have	have	VERB
cblr-2965	118	10	median	median	ADJ
cblr-2965	118	11	total	total	ADJ
cblr-2965	118	12	financial	financial	ADJ
cblr-2965	118	13	assets	asset	NOUN
cblr-2965	118	14	of	of	ADP
cblr-2965	118	15	only	only	ADV
cblr-2965	118	16	$	$	SYM
cblr-2965	118	17	175,000	175,000	NUM
cblr-2965	118	18	,	,	PUNCT
cblr-2965	118	19	and	and	CCONJ
cblr-2965	118	20	a	a	DET
cblr-2965	118	21	median	median	NOUN
cblr-2965	118	22	of	of	ADP
cblr-2965	118	23	$	$	SYM
cblr-2965	118	24	100,000	100,000	NUM
cblr-2965	118	25	invested	invest	VERB
cblr-2965	118	26	in	in	ADP
cblr-2965	118	27	mutual	mutual	ADJ
cblr-2965	118	28	funds	fund	NOUN
cblr-2965	118	29	.	.	PUNCT
cblr-2965	119	1	'0	'0	NUM
cblr-2965	119	2	2	2	NUM
cblr-2965	119	3	investment	investment	NOUN
cblr-2965	119	4	company	company	NOUN
cblr-2965	119	5	institute	institute	NOUN
cblr-2965	119	6	,	,	PUNCT
cblr-2965	119	7	2008	2008	NUM
cblr-2965	119	8	investment	investment	NOUN
cblr-2965	119	9	company	company	NOUN
cblr-2965	119	10	fact	fact	NOUN
cblr-2965	119	11	book	book	NOUN
cblr-2965	119	12	20	20	NUM
cblr-2965	119	13	(	(	PUNCT
cblr-2965	119	14	2008	2008	NUM
cblr-2965	119	15	)	)	PUNCT
cblr-2965	119	16	,	,	PUNCT
cblr-2965	119	17	available	available	ADJ
cblr-2965	119	18	at	at	ADP
cblr-2965	119	19	http://www.icifactbook.org/pdf/	http://www.icifactbook.org/pdf/	NOUN
cblr-2965	119	20	2008_factbook.pdf	2008_factbook.pdf	NUM
cblr-2965	119	21	[	[	X
cblr-2965	119	22	hereinafter	hereinafter	NOUN
cblr-2965	119	23	2008	2008	NUM
cblr-2965	119	24	fact	fact	NOUN
cblr-2965	119	25	book	book	NOUN
cblr-2965	119	26	]	]	PUNCT
cblr-2965	119	27	.	.	PUNCT
cblr-2965	120	1	i	i	PRON
cblr-2965	120	2	d.	d.	PROPN
cblr-2965	120	3	at	at	ADP
cblr-2965	120	4	11	11	NUM
cblr-2965	120	5	fig.1.4	fig.1.4	NOUN
cblr-2965	120	6	.	.	PUNCT
cblr-2965	121	1	i	i	PRON
cblr-2965	121	2	d.	d.	PROPN
cblr-2965	121	3	at	at	ADP
cblr-2965	121	4	15	15	NUM
cblr-2965	121	5	&	&	CCONJ
cblr-2965	121	6	fig.1.8	fig.1.8	PROPN
cblr-2965	121	7	.	.	PUNCT
cblr-2965	122	1	i	i	PRON
cblr-2965	122	2	d.	d.	PROPN
cblr-2965	122	3	at	at	ADP
cblr-2965	122	4	21	21	NUM
cblr-2965	122	5	fig.2.2	fig.2.2	NOUN
cblr-2965	122	6	.	.	PUNCT
cblr-2965	123	1	6	6	NUM
cblr-2965	123	2	vanguard	vanguard	NOUN
cblr-2965	123	3	funds	fund	NOUN
cblr-2965	123	4	overview	overview	VERB
cblr-2965	123	5	,	,	PUNCT
cblr-2965	123	6	https://personal.vanguard.com/us/	https://personal.vanguard.com/us/	PROPN
cblr-2965	123	7	fundsstocksoverview?entry	fundsstocksoverview?entry	NOUN
cblr-2965	123	8	=	=	NOUN
cblr-2965	123	9	homeoffer0l	homeoffer0l	PROPN
cblr-2965	123	10	(	(	PUNCT
cblr-2965	123	11	last	last	ADV
cblr-2965	123	12	visited	visit	VERB
cblr-2965	123	13	dec	dec	PROPN
cblr-2965	123	14	.	.	PROPN
cblr-2965	123	15	3	3	NUM
cblr-2965	123	16	,	,	PUNCT
cblr-2965	123	17	2008	2008	NUM
cblr-2965	123	18	)	)	PUNCT
cblr-2965	123	19	(	(	PUNCT
cblr-2965	123	20	listing	list	VERB
cblr-2965	123	21	of	of	ADP
cblr-2965	123	22	current	current	ADJ
cblr-2965	123	23	vanguard	vanguard	NOUN
cblr-2965	123	24	funds	fund	NOUN
cblr-2965	123	25	)	)	PUNCT
cblr-2965	123	26	;	;	PUNCT
cblr-2965	123	27	all	all	DET
cblr-2965	123	28	fidelity	fidelity	NOUN
cblr-2965	123	29	funds	fund	VERB
cblr-2965	123	30	daily	daily	ADJ
cblr-2965	123	31	pricing	pricing	NOUN
cblr-2965	123	32	,	,	PUNCT
cblr-2965	123	33	http://personal.fidelity.com/products/funds/framesets/daily-prices-fra	http://personal.fidelity.com/products/funds/framesets/daily-prices-fra	PROPN
cblr-2965	123	34	me.shtml?refpr=zffdfp03	me.shtml?refpr=zffdfp03	PROPN
cblr-2965	123	35	(	(	PUNCT
cblr-2965	123	36	last	last	ADV
cblr-2965	123	37	visited	visit	VERB
cblr-2965	123	38	dec	dec	PROPN
cblr-2965	123	39	.	.	PROPN
cblr-2965	123	40	3	3	NUM
cblr-2965	123	41	,	,	PUNCT
cblr-2965	123	42	2008	2008	NUM
cblr-2965	123	43	)	)	PUNCT
cblr-2965	123	44	(	(	PUNCT
cblr-2965	123	45	listing	list	VERB
cblr-2965	123	46	current	current	ADJ
cblr-2965	123	47	fidelity	fidelity	NOUN
cblr-2965	123	48	funds	fund	NOUN
cblr-2965	123	49	)	)	PUNCT
cblr-2965	123	50	.	.	PUNCT
cblr-2965	124	1	7	7	NUM
cblr-2965	124	2	investment	investment	NOUN
cblr-2965	124	3	company	company	NOUN
cblr-2965	124	4	institute	institute	NOUN
cblr-2965	124	5	,	,	PUNCT
cblr-2965	124	6	ici	ici	PROPN
cblr-2965	124	7	research	research	NOUN
cblr-2965	124	8	fundamentals	fundamental	NOUN
cblr-2965	124	9	:	:	PUNCT
cblr-2965	124	10	trends	trend	NOUN
cblr-2965	124	11	in	in	ADP
cblr-2965	124	12	ownership	ownership	NOUN
cblr-2965	124	13	of	of	ADP
cblr-2965	124	14	mutual	mutual	ADJ
cblr-2965	124	15	funds	fund	NOUN
cblr-2965	124	16	in	in	ADP
cblr-2965	124	17	the	the	DET
cblr-2965	124	18	united	united	PROPN
cblr-2965	124	19	states	states	PROPN
cblr-2965	124	20	2	2	NUM
cblr-2965	124	21	fig	fig	NOUN
cblr-2965	124	22	.	.	PUNCT
cblr-2965	124	23	1	1	NUM
cblr-2965	124	24	(	(	PUNCT
cblr-2965	124	25	nov	nov	PROPN
cblr-2965	124	26	.	.	PROPN
cblr-2965	124	27	2007	2007	NUM
cblr-2965	124	28	)	)	PUNCT
cblr-2965	124	29	,	,	PUNCT
cblr-2965	124	30	http://www.ici.org/pdf/fm-v16n5.pdf	http://www.ici.org/pdf/fm-v16n5.pdf	PROPN
cblr-2965	124	31	.	.	PUNCT
cblr-2965	124	32	"	"	PUNCT
cblr-2965	124	33	investment	investment	NOUN
cblr-2965	124	34	company	company	NOUN
cblr-2965	124	35	institute	institute	NOUN
cblr-2965	124	36	,	,	PUNCT
cblr-2965	124	37	profile	profile	NOUN
cblr-2965	124	38	of	of	ADP
cblr-2965	124	39	mutual	mutual	ADJ
cblr-2965	124	40	fund	fund	NOUN
cblr-2965	124	41	shareholders	shareholder	NOUN
cblr-2965	124	42	6	6	NUM
cblr-2965	124	43	fig.1.3	fig.1.3	PROPN
cblr-2965	124	44	(	(	PUNCT
cblr-2965	124	45	spring	spring	NOUN
cblr-2965	124	46	2008	2008	NUM
cblr-2965	124	47	)	)	PUNCT
cblr-2965	124	48	,	,	PUNCT
cblr-2965	124	49	http://www.ici.org/stats/res/	http://www.ici.org/stats/res/	PROPN
cblr-2965	124	50	rptprofile08.pdf	rptprofile08.pdf	NOUN
cblr-2965	124	51	.	.	PUNCT
cblr-2965	124	52	9	9	NUM
cblr-2965	124	53	i	i	PRON
cblr-2965	124	54	d.	d.	PROPN
cblr-2965	124	55	10	10	NUM
cblr-2965	124	56	2008	2008	NUM
cblr-2965	124	57	fact	fact	NOUN
cblr-2965	124	58	book	book	NOUN
cblr-2965	124	59	,	,	PUNCT
cblr-2965	124	60	supra	supra	PROPN
cblr-2965	124	61	note	note	NOUN
cblr-2965	124	62	2	2	NUM
cblr-2965	124	63	,	,	PUNCT
cblr-2965	124	64	at	at	ADP
cblr-2965	124	65	71	71	NUM
cblr-2965	124	66	fig.6.2	fig.6.2	NOUN
cblr-2965	124	67	.	.	PUNCT
cblr-2965	125	1	no	no	INTJ
cblr-2965	125	2	.	.	PUNCT
cblr-2965	126	1	3:934	3:934	X
cblr-2965	126	2	]	]	X
cblr-2965	126	3	mutual	mutual	ADJ
cblr-2965	126	4	fund	fund	NOUN
cblr-2965	126	5	investors	investor	NOUN
cblr-2965	126	6	mutual	mutual	ADJ
cblr-2965	126	7	fund	fund	NOUN
cblr-2965	126	8	ownership	ownership	NOUN
cblr-2965	126	9	has	have	AUX
cblr-2965	126	10	become	become	VERB
cblr-2965	126	11	widespread	widespread	ADJ
cblr-2965	126	12	largely	largely	ADV
cblr-2965	126	13	because	because	SCONJ
cblr-2965	126	14	mutual	mutual	ADJ
cblr-2965	126	15	funds	fund	NOUN
cblr-2965	126	16	have	have	AUX
cblr-2965	126	17	become	become	VERB
cblr-2965	126	18	a	a	DET
cblr-2965	126	19	primary	primary	ADJ
cblr-2965	126	20	way	way	NOUN
cblr-2965	126	21	that	that	PRON
cblr-2965	126	22	americans	americans	PROPN
cblr-2965	126	23	save	save	VERB
cblr-2965	126	24	for	for	ADP
cblr-2965	126	25	retirement	retirement	NOUN
cblr-2965	126	26	.	.	PUNCT
cblr-2965	127	1	employers	employer	NOUN
cblr-2965	127	2	have	have	AUX
cblr-2965	127	3	increasingly	increasingly	ADV
cblr-2965	127	4	switched	switch	VERB
cblr-2965	127	5	from	from	ADP
cblr-2965	127	6	providing	provide	VERB
cblr-2965	127	7	traditional	traditional	ADJ
cblr-2965	127	8	pension	pension	NOUN
cblr-2965	127	9	plans	plan	NOUN
cblr-2965	127	10	-	-	PUNCT
cblr-2965	127	11	definedbenefit	definedbenefit	NOUN
cblr-2965	127	12	plans	plan	NOUN
cblr-2965	127	13	-	-	PUNCT
cblr-2965	127	14	to	to	ADP
cblr-2965	127	15	providing	provide	VERB
cblr-2965	127	16	defined	define	VERB
cblr-2965	127	17	-	-	PUNCT
cblr-2965	127	18	contribution	contribution	NOUN
cblr-2965	127	19	retirement	retirement	NOUN
cblr-2965	127	20	plans	plan	NOUN
cblr-2965	127	21	,	,	PUNCT
cblr-2965	127	22	such	such	ADJ
cblr-2965	127	23	as	as	ADP
cblr-2965	127	24	401(k	401(k	NOUN
cblr-2965	127	25	)	)	PUNCT
cblr-2965	127	26	plans	plan	NOUN
cblr-2965	127	27	.	.	PUNCT
cblr-2965	128	1	in	in	ADP
cblr-2965	128	2	defined	define	VERB
cblr-2965	128	3	-	-	PUNCT
cblr-2965	128	4	contribution	contribution	NOUN
cblr-2965	128	5	plans	plan	NOUN
cblr-2965	128	6	,	,	PUNCT
cblr-2965	128	7	employers	employer	NOUN
cblr-2965	128	8	may	may	AUX
cblr-2965	128	9	make	make	VERB
cblr-2965	128	10	contributions	contribution	NOUN
cblr-2965	128	11	to	to	ADP
cblr-2965	128	12	their	their	PRON
cblr-2965	128	13	employees	employee	NOUN
cblr-2965	128	14	'	'	PART
cblr-2965	128	15	retirement	retirement	NOUN
cblr-2965	128	16	accounts	account	NOUN
cblr-2965	128	17	,	,	PUNCT
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cblr-2965	128	19	the	the	DET
cblr-2965	128	20	employees	employee	NOUN
cblr-2965	128	21	themselves	themselves	PRON
cblr-2965	128	22	choose	choose	VERB
cblr-2965	128	23	how	how	SCONJ
cblr-2965	128	24	to	to	PART
cblr-2965	128	25	invest	invest	VERB
cblr-2965	128	26	these	these	PRON
cblr-2965	128	27	contributions.1	contributions.1	NOUN
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cblr-2965	128	29	,	,	PUNCT
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cblr-2965	128	31	funds	fund	NOUN
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cblr-2965	128	33	among	among	ADP
cblr-2965	128	34	the	the	DET
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cblr-2965	128	36	options	option	NOUN
cblr-2965	128	37	available	available	ADJ
cblr-2965	128	38	to	to	ADP
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cblr-2965	128	40	employees	employee	NOUN
cblr-2965	128	41	.	.	PUNCT
cblr-2965	129	1	as	as	ADP
cblr-2965	129	2	of	of	ADP
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cblr-2965	129	5	,	,	PUNCT
cblr-2965	129	6	u.s	u.s	PROPN
cblr-2965	129	7	.	.	PROPN
cblr-2965	129	8	retirement	retirement	NOUN
cblr-2965	129	9	assets	asset	NOUN
cblr-2965	129	10	totaled	total	VERB
cblr-2965	129	11	$	$	SYM
cblr-2965	129	12	17.1	17.1	NUM
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cblr-2965	129	14	,	,	PUNCT
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cblr-2965	129	22	financial	financial	NOUN
cblr-2965	129	23	assets.3	assets.3	VERB
cblr-2965	129	24	about	about	ADP
cblr-2965	129	25	$	$	SYM
cblr-2965	129	26	4.3	4.3	NUM
cblr-2965	129	27	trillion	trillion	NUM
cblr-2965	129	28	(	(	PUNCT
cblr-2965	129	29	25	25	NUM
cblr-2965	129	30	%	%	NOUN
cblr-2965	129	31	)	)	PUNCT
cblr-2965	129	32	of	of	ADP
cblr-2965	129	33	retirement	retirement	NOUN
cblr-2965	129	34	assets	asset	NOUN
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cblr-2965	129	36	in	in	ADP
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cblr-2965	129	38	-	-	PUNCT
cblr-2965	129	39	contribution	contribution	NOUN
cblr-2965	129	40	plans	plan	NOUN
cblr-2965	129	41	,	,	PUNCT
cblr-2965	129	42	4	4	NUM
cblr-2965	129	43	and	and	CCONJ
cblr-2965	129	44	about	about	ADP
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cblr-2965	129	46	of	of	ADP
cblr-2965	129	47	the	the	DET
cblr-2965	129	48	assets	asset	NOUN
cblr-2965	129	49	in	in	ADP
cblr-2965	129	50	these	these	DET
cblr-2965	129	51	plans	plan	NOUN
cblr-2965	129	52	(	(	PUNCT
cblr-2965	129	53	$	$	SYM
cblr-2965	129	54	2.2	2.2	NUM
cblr-2965	129	55	trillion	trillion	NUM
cblr-2965	129	56	)	)	PUNCT
cblr-2965	129	57	were	be	AUX
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cblr-2965	129	59	in	in	ADP
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cblr-2965	129	61	funds	fund	NOUN
cblr-2965	129	62	.	.	PUNCT
cblr-2965	130	1	5	5	NUM
cblr-2965	130	2	in	in	ADP
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cblr-2965	130	4	,	,	PUNCT
cblr-2965	130	5	in	in	ADP
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cblr-2965	130	7	,	,	PUNCT
cblr-2965	130	8	only	only	ADV
cblr-2965	130	9	$	$	SYM
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cblr-2965	130	11	billion	billion	NUM
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cblr-2965	130	13	assets	asset	NOUN
cblr-2965	130	14	in	in	ADP
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cblr-2965	130	16	plans	plan	NOUN
cblr-2965	130	17	were	be	AUX
cblr-2965	130	18	invested	invest	VERB
cblr-2965	130	19	in	in	ADP
cblr-2965	130	20	mutual	mutual	ADJ
cblr-2965	130	21	funds	fund	NOUN
cblr-2965	130	22	.	.	PUNCT
cblr-2965	130	23	'	'	PUNCT
cblr-2965	131	1	in	in	ADP
cblr-2965	131	2	other	other	ADJ
cblr-2965	131	3	words	word	NOUN
cblr-2965	131	4	,	,	PUNCT
cblr-2965	131	5	defined	define	VERB
cblr-2965	131	6	-	-	PUNCT
cblr-2965	131	7	contribution	contribution	NOUN
cblr-2965	131	8	plans	plan	NOUN
cblr-2965	131	9	'	'	PART
cblr-2965	131	10	assets	asset	NOUN
cblr-2965	131	11	invested	invest	VERB
cblr-2965	131	12	in	in	ADP
cblr-2965	131	13	mutual	mutual	ADJ
cblr-2965	131	14	funds	fund	NOUN
cblr-2965	131	15	have	have	AUX
cblr-2965	131	16	increased	increase	VERB
cblr-2965	131	17	almost	almost	ADV
cblr-2965	131	18	twelve	twelve	ADJ
cblr-2965	131	19	-	-	PUNCT
cblr-2965	131	20	fold	fold	ADJ
cblr-2965	131	21	,	,	PUNCT
cblr-2965	131	22	growing	grow	VERB
cblr-2965	131	23	almost	almost	ADV
cblr-2965	131	24	18	18	NUM
cblr-2965	131	25	%	%	NOUN
cblr-2965	131	26	annually	annually	ADV
cblr-2965	131	27	,	,	PUNCT
cblr-2965	131	28	over	over	ADP
cblr-2965	131	29	the	the	DET
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cblr-2965	131	31	fifteen	fifteen	NUM
cblr-2965	131	32	years	year	NOUN
cblr-2965	131	33	.	.	PUNCT
cblr-2965	132	1	mutual	mutual	ADJ
cblr-2965	132	2	fund	fund	NOUN
cblr-2965	132	3	assets	asset	NOUN
cblr-2965	132	4	in	in	ADP
cblr-2965	132	5	individual	individual	ADJ
cblr-2965	132	6	retirement	retirement	NOUN
cblr-2965	132	7	accounts	account	NOUN
cblr-2965	132	8	(	(	PUNCT
cblr-2965	132	9	"	"	PUNCT
cblr-2965	132	10	iras	ira	NOUN
cblr-2965	132	11	"	"	PUNCT
cblr-2965	132	12	)	)	PUNCT
cblr-2965	132	13	have	have	AUX
cblr-2965	132	14	experienced	experience	VERB
cblr-2965	132	15	similar	similar	ADJ
cblr-2965	132	16	growth	growth	NOUN
cblr-2965	132	17	.	.	PUNCT
cblr-2965	133	1	as	as	ADP
cblr-2965	133	2	of	of	ADP
cblr-2965	133	3	march	march	PROPN
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cblr-2965	133	5	,	,	PUNCT
cblr-2965	133	6	iras	iras	PROPN
cblr-2965	133	7	constituted	constitute	VERB
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cblr-2965	133	9	estimated	estimate	VERB
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cblr-2965	133	12	trillion	trillion	NUM
cblr-2965	133	13	,	,	PUNCT
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cblr-2965	133	17	,	,	PUNCT
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cblr-2965	133	20	retirement	retirement	NOUN
cblr-2965	133	21	assets	asset	NOUN
cblr-2965	133	22	.	.	PUNCT
cblr-2965	134	1	7	7	NUM
cblr-2965	134	2	nearly	nearly	ADV
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cblr-2965	134	7	(	(	PUNCT
cblr-2965	134	8	$	$	SYM
cblr-2965	134	9	2.1	2.1	NUM
cblr-2965	134	10	trillion	trillion	NUM
cblr-2965	134	11	)	)	PUNCT
cblr-2965	134	12	were	be	AUX
cblr-2965	134	13	invested	invest	VERB
cblr-2965	134	14	in	in	ADP
cblr-2965	134	15	mutual	mutual	ADJ
cblr-2965	134	16	funds	fund	NOUN
cblr-2965	134	17	.	.	PUNCT
cblr-2965	135	1	8	8	NUM
cblr-2965	135	2	by	by	ADP
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cblr-2965	135	4	,	,	PUNCT
cblr-2965	135	5	in	in	ADP
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cblr-2965	135	7	,	,	PUNCT
cblr-2965	135	8	only	only	ADV
cblr-2965	135	9	$	$	SYM
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cblr-2965	135	11	billion	billion	NUM
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cblr-2965	135	14	assets	asset	NOUN
cblr-2965	135	15	were	be	AUX
cblr-2965	135	16	invested	invest	VERB
cblr-2965	135	17	in	in	ADP
cblr-2965	135	18	mutual	mutual	ADJ
cblr-2965	135	19	"	"	PUNCT
cblr-2965	135	20	roger	roger	PROPN
cblr-2965	135	21	lowenstein	lowenstein	PROPN
cblr-2965	135	22	,	,	PUNCT
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cblr-2965	135	24	end	end	NOUN
cblr-2965	135	25	of	of	ADP
cblr-2965	135	26	pensions	pension	NOUN
cblr-2965	135	27	?	?	PUNCT
cblr-2965	135	28	,	,	PUNCT
cblr-2965	135	29	n.y	n.y	PROPN
cblr-2965	135	30	.	.	PROPN
cblr-2965	135	31	times	times	PROPN
cblr-2965	135	32	,	,	PUNCT
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cblr-2965	135	34	.	.	PROPN
cblr-2965	135	35	30	30	NUM
cblr-2965	135	36	,	,	PUNCT
cblr-2965	135	37	2005	2005	NUM
cblr-2965	135	38	,	,	PUNCT
cblr-2965	135	39	at	at	ADP
cblr-2965	135	40	sec.6	sec.6	PROPN
cblr-2965	135	41	.	.	PUNCT
cblr-2965	135	42	,	,	PUNCT
cblr-2965	135	43	available	available	ADJ
cblr-2965	135	44	at	at	ADP
cblr-2965	135	45	2005	2005	NUM
cblr-2965	135	46	wlnr	wlnr	PROPN
cblr-2965	135	47	17528590	17528590	NUM
cblr-2965	135	48	.	.	PUNCT
cblr-2965	136	1	12	12	NUM
cblr-2965	136	2	investment	investment	NOUN
cblr-2965	136	3	company	company	NOUN
cblr-2965	136	4	institute	institute	NOUN
cblr-2965	136	5	,	,	PUNCT
cblr-2965	136	6	research	research	NOUN
cblr-2965	136	7	fundamentals	fundamental	NOUN
cblr-2965	136	8	:	:	PUNCT
cblr-2965	136	9	the	the	DET
cblr-2965	136	10	u.s	u.s	PROPN
cblr-2965	136	11	.	.	PROPN
cblr-2965	136	12	retirement	retirement	NOUN
cblr-2965	136	13	market	market	NOUN
cblr-2965	136	14	,	,	PUNCT
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cblr-2965	136	16	quarter	quarter	NOUN
cblr-2965	136	17	2008	2008	NUM
cblr-2965	136	18	,	,	PUNCT
cblr-2965	136	19	at	at	ADP
cblr-2965	136	20	2	2	NUM
cblr-2965	136	21	,	,	PUNCT
cblr-2965	136	22	fig.1	fig.1	PROPN
cblr-2965	136	23	(	(	PUNCT
cblr-2965	136	24	oct	oct	PROPN
cblr-2965	136	25	.	.	PROPN
cblr-2965	136	26	2008	2008	NUM
cblr-2965	136	27	)	)	PUNCT
cblr-2965	136	28	,	,	PUNCT
cblr-2965	136	29	http://www.ici.org/pdf/retmrkt-update.pdf	http://www.ici.org/pdf/retmrkt-update.pdf	PROPN
cblr-2965	137	1	[	[	NOUN
cblr-2965	137	2	hereinafter	hereinafter	NOUN
cblr-2965	137	3	ici	ici	NOUN
cblr-2965	137	4	,	,	PUNCT
cblr-2965	137	5	retirement	retirement	NOUN
cblr-2965	137	6	market	market	NOUN
cblr-2965	137	7	]	]	PUNCT
cblr-2965	137	8	.	.	PUNCT
cblr-2965	138	1	13	13	NUM
cblr-2965	139	1	i	i	PRON
cblr-2965	139	2	d.	d.	VERB
cblr-2965	139	3	at	at	ADP
cblr-2965	139	4	3	3	NUM
cblr-2965	139	5	fig.2	fig.2	PROPN
cblr-2965	139	6	.	.	PUNCT
cblr-2965	140	1	i	i	PRON
cblr-2965	140	2	d.	d.	PROPN
cblr-2965	140	3	at	at	ADP
cblr-2965	140	4	11	11	NUM
cblr-2965	140	5	fig.a1	fig.a1	NOUN
cblr-2965	140	6	.	.	PUNCT
cblr-2965	140	7	"	"	PUNCT
cblr-2965	141	1	i	i	PRON
cblr-2965	141	2	d.	d.	PROPN
cblr-2965	141	3	at	at	ADP
cblr-2965	141	4	23	23	NUM
cblr-2965	141	5	fig.a15	fig.a15	ADJ
cblr-2965	141	6	.	.	PUNCT
cblr-2965	142	1	16	16	NUM
cblr-2965	143	1	i	i	PRON
cblr-2965	143	2	d.	d.	PROPN
cblr-2965	143	3	'	'	PROPN
cblr-2965	143	4	7	7	NUM
cblr-2965	144	1	i	i	PROPN
cblr-2965	144	2	d.	d.	NOUN
cblr-2965	144	3	at	at	ADP
cblr-2965	144	4	11	11	NUM
cblr-2965	144	5	fig.a1	fig.a1	NOUN
cblr-2965	144	6	.	.	PUNCT
cblr-2965	145	1	18	18	NUM
cblr-2965	145	2	i	i	PROPN
cblr-2965	145	3	d.	d.	PROPN
cblr-2965	145	4	at	at	ADP
cblr-2965	145	5	12	12	NUM
cblr-2965	145	6	fig.a2	fig.a2	NOUN
cblr-2965	145	7	.	.	PUNCT
cblr-2965	146	1	columbia	columbia	PROPN
cblr-2965	146	2	business	business	PROPN
cblr-2965	146	3	la	la	PROPN
cblr-2965	146	4	w	w	PROPN
cblr-2965	146	5	re	re	VERB
cblr-2965	146	6	view	view	NOUN
cblr-2965	146	7	[	[	X
cblr-2965	146	8	vol	vol	NOUN
cblr-2965	146	9	.	.	NOUN
cblr-2965	146	10	2008	2008	NUM
cblr-2965	146	11	mutual	mutual	ADJ
cblr-2965	146	12	fund	fund	NOUN
cblr-2965	146	13	investors	investor	NOUN
cblr-2965	146	14	funds.19	funds.19	PROPN
cblr-2965	146	15	in	in	ADP
cblr-2965	146	16	other	other	ADJ
cblr-2965	146	17	words	word	NOUN
cblr-2965	146	18	,	,	PUNCT
cblr-2965	146	19	mutual	mutual	ADJ
cblr-2965	146	20	fund	fund	NOUN
cblr-2965	146	21	assets	asset	NOUN
cblr-2965	146	22	invested	invest	VERB
cblr-2965	146	23	in	in	ADP
cblr-2965	146	24	iras	ira	NOUN
cblr-2965	146	25	have	have	AUX
cblr-2965	146	26	increased	increase	VERB
cblr-2965	146	27	nine	nine	NUM
cblr-2965	146	28	-	-	NOUN
cblr-2965	146	29	fold	fold	ADJ
cblr-2965	146	30	,	,	PUNCT
cblr-2965	146	31	growing	grow	VERB
cblr-2965	146	32	almost	almost	ADV
cblr-2965	146	33	16	16	NUM
cblr-2965	146	34	%	%	NOUN
cblr-2965	146	35	annually	annually	ADV
cblr-2965	146	36	,	,	PUNCT
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cblr-2965	146	38	the	the	DET
cblr-2965	146	39	last	last	ADJ
cblr-2965	146	40	fifteen	fifteen	NUM
cblr-2965	146	41	years.2	years.2	NOUN
cblr-2965	146	42	"	"	PUNCT
cblr-2965	146	43	primarily	primarily	ADV
cblr-2965	146	44	as	as	ADP
cblr-2965	146	45	a	a	DET
cblr-2965	146	46	result	result	NOUN
cblr-2965	146	47	of	of	ADP
cblr-2965	146	48	the	the	DET
cblr-2965	146	49	rapid	rapid	ADJ
cblr-2965	146	50	growth	growth	NOUN
cblr-2965	146	51	of	of	ADP
cblr-2965	146	52	mutual	mutual	ADJ
cblr-2965	146	53	fund	fund	NOUN
cblr-2965	146	54	investments	investment	NOUN
cblr-2965	146	55	in	in	ADP
cblr-2965	146	56	defined	define	VERB
cblr-2965	146	57	-	-	PUNCT
cblr-2965	146	58	contribution	contribution	NOUN
cblr-2965	146	59	plans	plan	NOUN
cblr-2965	146	60	and	and	CCONJ
cblr-2965	146	61	iras	ira	NOUN
cblr-2965	146	62	,	,	PUNCT
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cblr-2965	146	64	funds	fund	NOUN
cblr-2965	146	65	'	'	PART
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cblr-2965	146	67	share	share	NOUN
cblr-2965	146	68	of	of	ADP
cblr-2965	146	69	retirement	retirement	NOUN
cblr-2965	146	70	assets	asset	NOUN
cblr-2965	146	71	increased	increase	VERB
cblr-2965	146	72	from	from	ADP
cblr-2965	146	73	8	8	NUM
cblr-2965	146	74	%	%	NOUN
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cblr-2965	146	78	of	of	ADP
cblr-2965	146	79	1992	1992	NUM
cblr-2965	146	80	to	to	ADP
cblr-2965	146	81	25	25	NUM
cblr-2965	146	82	%	%	NOUN
cblr-2965	146	83	in	in	ADP
cblr-2965	146	84	march	march	PROPN
cblr-2965	146	85	2008.21	2008.21	NUM
cblr-2965	146	86	mutual	mutual	ADJ
cblr-2965	146	87	funds	fund	NOUN
cblr-2965	146	88	now	now	ADV
cblr-2965	146	89	constitute	constitute	VERB
cblr-2965	146	90	a	a	DET
cblr-2965	146	91	quarter	quarter	NOUN
cblr-2965	146	92	of	of	ADP
cblr-2965	146	93	america	america	PROPN
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cblr-2965	146	95	retirement	retirement	NOUN
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cblr-2965	146	97	.	.	PUNCT
cblr-2965	147	1	although	although	SCONJ
cblr-2965	147	2	the	the	DET
cblr-2965	147	3	greatest	great	ADJ
cblr-2965	147	4	portion	portion	NOUN
cblr-2965	147	5	of	of	ADP
cblr-2965	147	6	mutual	mutual	ADJ
cblr-2965	147	7	fund	fund	NOUN
cblr-2965	147	8	assets	asset	NOUN
cblr-2965	147	9	(	(	PUNCT
cblr-2965	147	10	44	44	NUM
cblr-2965	147	11	%	%	NOUN
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cblr-2965	147	13	are	be	AUX
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cblr-2965	147	15	in	in	ADP
cblr-2965	147	16	tax	tax	NOUN
cblr-2965	147	17	-	-	PUNCT
cblr-2965	147	18	deferred	defer	VERB
cblr-2965	147	19	retirement	retirement	NOUN
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cblr-2965	147	21	,	,	PUNCT
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cblr-2965	147	23	as	as	ADP
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cblr-2965	147	26	defined	define	VERB
cblr-2965	147	27	-	-	PUNCT
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cblr-2965	147	29	plans	plan	NOUN
cblr-2965	147	30	,	,	PUNCT
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cblr-2965	147	32	mutual	mutual	ADJ
cblr-2965	147	33	fund	fund	NOUN
cblr-2965	147	34	assets	asset	NOUN
cblr-2965	147	35	are	be	AUX
cblr-2965	147	36	held	hold	VERB
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cblr-2965	147	38	other	other	ADJ
cblr-2965	147	39	mutual	mutual	ADJ
cblr-2965	147	40	fund	fund	NOUN
cblr-2965	147	41	assets	asset	NOUN
cblr-2965	147	42	are	be	AUX
cblr-2965	147	43	in	in	ADP
cblr-2965	147	44	taxable	taxable	ADJ
cblr-2965	147	45	accounts	account	NOUN
cblr-2965	147	46	held	hold	VERB
cblr-2965	147	47	by	by	ADP
cblr-2965	147	48	households	household	NOUN
cblr-2965	147	49	(	(	PUNCT
cblr-2965	147	50	37	37	NUM
cblr-2965	147	51	%	%	NOUN
cblr-2965	147	52	)	)	PUNCT
cblr-2965	147	53	,	,	PUNCT
cblr-2965	147	54	taxable	taxable	ADJ
cblr-2965	147	55	accounts	account	NOUN
cblr-2965	147	56	held	hold	VERB
cblr-2965	147	57	by	by	ADP
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cblr-2965	147	59	-	-	NOUN
cblr-2965	147	60	households	household	NOUN
cblr-2965	147	61	(	(	PUNCT
cblr-2965	147	62	12	12	NUM
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cblr-2965	147	64	)	)	PUNCT
cblr-2965	147	65	,	,	PUNCT
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cblr-2965	147	68	-	-	PUNCT
cblr-2965	147	69	exempt	exempt	ADJ
cblr-2965	147	70	funds	fund	NOUN
cblr-2965	147	71	(	(	PUNCT
cblr-2965	147	72	7%).23	7%).23	NUM
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cblr-2965	147	74	,	,	PUNCT
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cblr-2965	147	76	,	,	PUNCT
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cblr-2965	147	82	other	other	ADJ
cblr-2965	147	83	mutual	mutual	ADJ
cblr-2965	147	84	fund	fund	NOUN
cblr-2965	147	85	assets	asset	NOUN
cblr-2965	147	86	as	as	ADP
cblr-2965	147	87	retirement	retirement	NOUN
cblr-2965	147	88	savings	saving	NOUN
cblr-2965	147	89	too	too	ADV
cblr-2965	147	90	.	.	PUNCT
cblr-2965	148	1	limits	limit	NOUN
cblr-2965	148	2	on	on	ADP
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cblr-2965	148	10	tax	tax	NOUN
cblr-2965	148	11	-	-	PUNCT
cblr-2965	148	12	deferred	defer	VERB
cblr-2965	148	13	accounts	account	NOUN
cblr-2965	148	14	mean	mean	VERB
cblr-2965	148	15	that	that	SCONJ
cblr-2965	148	16	some	some	DET
cblr-2965	148	17	retirement	retirement	NOUN
cblr-2965	148	18	savings	saving	NOUN
cblr-2965	148	19	are	be	AUX
cblr-2965	148	20	invested	invest	VERB
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cblr-2965	148	22	of	of	ADP
cblr-2965	148	23	tax	tax	NOUN
cblr-2965	148	24	-	-	PUNCT
cblr-2965	148	25	deferred	defer	VERB
cblr-2965	148	26	accounts.24	accounts.24	NOUN
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cblr-2965	148	29	mutual	mutual	ADJ
cblr-2965	148	30	fund	fund	NOUN
cblr-2965	148	31	holdings	holding	NOUN
cblr-2965	148	32	are	be	AUX
cblr-2965	148	33	in	in	ADP
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cblr-2965	148	35	funds	fund	NOUN
cblr-2965	148	36	,	,	PUNCT
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cblr-2965	148	38	most	most	ADJ
cblr-2965	148	39	of	of	ADP
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cblr-2965	148	43	between	between	ADP
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cblr-2965	148	46	funds	fund	NOUN
cblr-2965	148	47	(	(	PUNCT
cblr-2965	148	48	29	29	NUM
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cblr-2965	148	51	19	19	NUM
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cblr-2965	149	10	in	in	ADP
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cblr-2965	149	12	-	-	PUNCT
cblr-2965	149	13	sponsored	sponsor	VERB
cblr-2965	149	14	retirement	retirement	NOUN
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cblr-2965	149	18	"	"	PUNCT
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cblr-2965	149	21	"	"	PUNCT
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cblr-2965	149	30	.	.	PUNCT
cblr-2965	150	1	for	for	ADP
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cblr-2965	150	3	,	,	PUNCT
cblr-2965	150	4	in	in	ADP
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cblr-2965	150	6	-	-	PUNCT
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cblr-2965	150	14	is	be	AUX
cblr-2965	150	15	available	available	ADJ
cblr-2965	150	16	-	-	PUNCT
cblr-2965	150	17	traditional	traditional	ADJ
cblr-2965	150	18	iras	ira	NOUN
cblr-2965	150	19	received	receive	VERB
cblr-2965	150	20	approximately	approximately	ADV
cblr-2965	150	21	$	$	SYM
cblr-2965	150	22	214.9	214.9	NUM
cblr-2965	150	23	billion	billion	NUM
cblr-2965	150	24	in	in	ADP
cblr-2965	150	25	rollovers	rollover	NOUN
cblr-2965	150	26	but	but	CCONJ
cblr-2965	150	27	only	only	ADV
cblr-2965	150	28	$	$	SYM
cblr-2965	150	29	12.6	12.6	NUM
cblr-2965	150	30	billion	billion	NUM
cblr-2965	150	31	in	in	ADP
cblr-2965	150	32	other	other	ADJ
cblr-2965	150	33	contributions	contribution	NOUN
cblr-2965	150	34	.	.	PUNCT
cblr-2965	151	1	i	i	PRON
cblr-2965	151	2	d.	d.	PROPN
cblr-2965	151	3	at	at	ADP
cblr-2965	151	4	6	6	NUM
cblr-2965	151	5	fig.7	fig.7	ADJ
cblr-2965	151	6	.	.	PUNCT
cblr-2965	152	1	21	21	NUM
cblr-2965	153	1	i	i	PRON
cblr-2965	153	2	d.	d.	NOUN
cblr-2965	153	3	at	at	ADP
cblr-2965	153	4	11	11	NUM
cblr-2965	153	5	-	-	SYM
cblr-2965	153	6	13	13	NUM
cblr-2965	153	7	fig.a1	fig.a1	X
cblr-2965	153	8	-	-	PUNCT
cblr-2965	153	9	a3	a3	NOUN
cblr-2965	153	10	.	.	PUNCT
cblr-2965	154	1	in	in	ADP
cblr-2965	154	2	addition	addition	NOUN
cblr-2965	154	3	to	to	ADP
cblr-2965	154	4	being	be	AUX
cblr-2965	154	5	in	in	ADP
cblr-2965	154	6	definedcontribution	definedcontribution	NOUN
cblr-2965	154	7	plans	plan	NOUN
cblr-2965	154	8	and	and	CCONJ
cblr-2965	154	9	iras	ira	NOUN
cblr-2965	154	10	,	,	PUNCT
cblr-2965	154	11	retirement	retirement	NOUN
cblr-2965	154	12	assets	asset	NOUN
cblr-2965	154	13	are	be	AUX
cblr-2965	154	14	in	in	ADP
cblr-2965	154	15	annuities	annuity	NOUN
cblr-2965	154	16	,	,	PUNCT
cblr-2965	154	17	government	government	NOUN
cblr-2965	154	18	pension	pension	NOUN
cblr-2965	154	19	plans	plan	NOUN
cblr-2965	154	20	,	,	PUNCT
cblr-2965	154	21	and	and	CCONJ
cblr-2965	154	22	private	private	ADJ
cblr-2965	154	23	defined	define	VERB
cblr-2965	154	24	benefit	benefit	NOUN
cblr-2965	154	25	plans	plan	NOUN
cblr-2965	154	26	(	(	PUNCT
cblr-2965	154	27	that	that	PRON
cblr-2965	154	28	is	is	ADV
cblr-2965	154	29	,	,	PUNCT
cblr-2965	154	30	traditional	traditional	ADJ
cblr-2965	154	31	private	private	ADJ
cblr-2965	154	32	pension	pension	NOUN
cblr-2965	154	33	plans	plan	NOUN
cblr-2965	154	34	)	)	PUNCT
cblr-2965	154	35	.	.	PUNCT
cblr-2965	155	1	i	i	PRON
cblr-2965	155	2	d.	d.	PROPN
cblr-2965	155	3	at	at	ADP
cblr-2965	155	4	2	2	NUM
cblr-2965	155	5	fig	fig	NOUN
cblr-2965	155	6	.	.	PUNCT
cblr-2965	156	1	1	1	NUM
cblr-2965	156	2	.	.	X
cblr-2965	156	3	22	22	NUM
cblr-2965	156	4	2008	2008	NUM
cblr-2965	156	5	fact	fact	NOUN
cblr-2965	156	6	book	book	NOUN
cblr-2965	156	7	,	,	PUNCT
cblr-2965	156	8	supra	supra	PROPN
cblr-2965	156	9	note	note	NOUN
cblr-2965	156	10	2	2	NUM
cblr-2965	156	11	,	,	PUNCT
cblr-2965	156	12	at	at	ADP
cblr-2965	156	13	23	23	NUM
cblr-2965	156	14	fig.2.4	fig.2.4	NOUN
cblr-2965	156	15	.	.	PUNCT
cblr-2965	156	16	23	23	NUM
cblr-2965	157	1	i	i	PRON
cblr-2965	157	2	d.	d.	PROPN
cblr-2965	157	3	24	24	NUM
cblr-2965	157	4	for	for	ADP
cblr-2965	157	5	example	example	NOUN
cblr-2965	157	6	,	,	PUNCT
cblr-2965	157	7	in	in	ADP
cblr-2965	157	8	2007	2007	NUM
cblr-2965	157	9	,	,	PUNCT
cblr-2965	157	10	most	most	ADJ
cblr-2965	157	11	people	people	NOUN
cblr-2965	157	12	were	be	AUX
cblr-2965	157	13	permitted	permit	VERB
cblr-2965	157	14	to	to	PART
cblr-2965	157	15	contribute	contribute	VERB
cblr-2965	157	16	no	no	DET
cblr-2965	157	17	more	more	ADJ
cblr-2965	157	18	than	than	ADP
cblr-2965	157	19	$	$	SYM
cblr-2965	157	20	15,500	15,500	NUM
cblr-2965	157	21	each	each	DET
cblr-2965	157	22	year	year	NOUN
cblr-2965	157	23	to	to	ADP
cblr-2965	157	24	defined	define	VERB
cblr-2965	157	25	-	-	PUNCT
cblr-2965	157	26	contribution	contribution	NOUN
cblr-2965	157	27	plans	plan	NOUN
cblr-2965	157	28	and	and	CCONJ
cblr-2965	157	29	$	$	SYM
cblr-2965	157	30	5,000	5,000	NUM
cblr-2965	157	31	to	to	ADP
cblr-2965	157	32	an	an	DET
cblr-2965	157	33	ira	ira	PROPN
cblr-2965	157	34	.	.	PUNCT
cblr-2965	158	1	internal	internal	ADJ
cblr-2965	158	2	revenue	revenue	NOUN
cblr-2965	158	3	serv	serv	X
cblr-2965	158	4	.	.	PUNCT
cblr-2965	158	5	,	,	PUNCT
cblr-2965	158	6	publication	publication	NOUN
cblr-2965	158	7	525	525	NUM
cblr-2965	158	8	:	:	PUNCT
cblr-2965	158	9	taxable	taxable	ADJ
cblr-2965	158	10	and	and	CCONJ
cblr-2965	158	11	nontaxable	nontaxable	ADJ
cblr-2965	158	12	income	income	NOUN
cblr-2965	158	13	8	8	NUM
cblr-2965	158	14	(	(	PUNCT
cblr-2965	158	15	2007	2007	NUM
cblr-2965	158	16	)	)	PUNCT
cblr-2965	158	17	,	,	PUNCT
cblr-2965	158	18	available	available	ADJ
cblr-2965	158	19	at	at	ADP
cblr-2965	158	20	http://www.irs.gov/pub/irs-pdf/p525.pdf	http://www.irs.gov/pub/irs-pdf/p525.pdf	PROPN
cblr-2965	158	21	;	;	PUNCT
cblr-2965	158	22	internal	internal	ADJ
cblr-2965	158	23	revenue	revenue	NOUN
cblr-2965	158	24	serv	serv	X
cblr-2965	158	25	.	.	PUNCT
cblr-2965	158	26	,	,	PUNCT
cblr-2965	158	27	publication	publication	NOUN
cblr-2965	158	28	590	590	NUM
cblr-2965	158	29	:	:	PUNCT
cblr-2965	158	30	individual	individual	ADJ
cblr-2965	158	31	retirement	retirement	NOUN
cblr-2965	158	32	accounts	account	VERB
cblr-2965	158	33	11	11	NUM
cblr-2965	158	34	,	,	PUNCT
cblr-2965	158	35	59	59	NUM
cblr-2965	158	36	(	(	PUNCT
cblr-2965	158	37	2007	2007	NUM
cblr-2965	158	38	)	)	PUNCT
cblr-2965	158	39	,	,	PUNCT
cblr-2965	158	40	available	available	ADJ
cblr-2965	158	41	at	at	ADP
cblr-2965	158	42	http://www.irs.gov/pub/irs-pdf/p590.pdf	http://www.irs.gov/pub/irs-pdf/p590.pdf	NOUN
cblr-2965	158	43	.	.	PUNCT
cblr-2965	159	1	no	no	INTJ
cblr-2965	159	2	.	.	PUNCT
cblr-2965	160	1	3:934	3:934	X
cblr-2965	160	2	]	]	X
cblr-2965	160	3	columbia	columbia	PROPN
cblr-2965	160	4	business	business	PROPN
cblr-2965	160	5	law	law	PROPN
cblr-2965	160	6	review	review	NOUN
cblr-2965	160	7	and	and	CCONJ
cblr-2965	160	8	bond	bond	NOUN
cblr-2965	160	9	funds	fund	NOUN
cblr-2965	160	10	(	(	PUNCT
cblr-2965	160	11	15%).25	15%).25	NUM
cblr-2965	160	12	equities	equity	NOUN
cblr-2965	160	13	tend	tend	VERB
cblr-2965	160	14	to	to	PART
cblr-2965	160	15	have	have	VERB
cblr-2965	160	16	higher	high	ADJ
cblr-2965	160	17	returns	return	NOUN
cblr-2965	160	18	in	in	ADP
cblr-2965	160	19	the	the	DET
cblr-2965	160	20	long	long	ADJ
cblr-2965	160	21	run	run	NOUN
cblr-2965	160	22	,	,	PUNCT
cblr-2965	160	23	but	but	CCONJ
cblr-2965	160	24	greater	great	ADJ
cblr-2965	160	25	risk	risk	NOUN
cblr-2965	160	26	in	in	ADP
cblr-2965	160	27	the	the	DET
cblr-2965	160	28	short	short	ADJ
cblr-2965	160	29	run	run	NOUN
cblr-2965	160	30	,	,	PUNCT
cblr-2965	160	31	than	than	ADP
cblr-2965	160	32	bonds	bond	NOUN
cblr-2965	160	33	and	and	CCONJ
cblr-2965	160	34	money	money	NOUN
cblr-2965	160	35	market	market	NOUN
cblr-2965	160	36	securities.26	securities.26	NOUN
cblr-2965	160	37	lifecycle	lifecycle	NOUN
cblr-2965	160	38	funds	fund	NOUN
cblr-2965	160	39	,	,	PUNCT
cblr-2965	160	40	a	a	DET
cblr-2965	160	41	relatively	relatively	ADV
cblr-2965	160	42	new	new	ADJ
cblr-2965	160	43	segment	segment	NOUN
cblr-2965	160	44	of	of	ADP
cblr-2965	160	45	private	private	ADJ
cblr-2965	160	46	retirement	retirement	NOUN
cblr-2965	160	47	savings	saving	NOUN
cblr-2965	160	48	,	,	PUNCT
cblr-2965	160	49	allow	allow	VERB
cblr-2965	160	50	investors	investor	NOUN
cblr-2965	160	51	to	to	PART
cblr-2965	160	52	delegate	delegate	VERB
cblr-2965	160	53	asset	asset	NOUN
cblr-2965	160	54	allocation	allocation	NOUN
cblr-2965	160	55	decisions	decision	NOUN
cblr-2965	160	56	to	to	ADP
cblr-2965	160	57	the	the	DET
cblr-2965	160	58	fund	fund	NOUN
cblr-2965	160	59	manager	manager	NOUN
cblr-2965	160	60	.	.	PUNCT
cblr-2965	161	1	a	a	DET
cblr-2965	161	2	lifecycle	lifecycle	NOUN
cblr-2965	161	3	fund	fund	NOUN
cblr-2965	161	4	blends	blend	NOUN
cblr-2965	161	5	particular	particular	ADJ
cblr-2965	161	6	asset	asset	NOUN
cblr-2965	161	7	types	type	NOUN
cblr-2965	161	8	(	(	PUNCT
cblr-2965	161	9	such	such	ADJ
cblr-2965	161	10	as	as	ADP
cblr-2965	161	11	stocks	stock	NOUN
cblr-2965	161	12	and	and	CCONJ
cblr-2965	161	13	bonds	bond	NOUN
cblr-2965	161	14	)	)	PUNCT
cblr-2965	161	15	to	to	PART
cblr-2965	161	16	match	match	VERB
cblr-2965	161	17	investors	investor	NOUN
cblr-2965	161	18	'	'	PART
cblr-2965	161	19	risk	risk	NOUN
cblr-2965	161	20	tolerance	tolerance	NOUN
cblr-2965	161	21	and	and	CCONJ
cblr-2965	161	22	investment	investment	NOUN
cblr-2965	161	23	horizon	horizon	NOUN
cblr-2965	161	24	,	,	PUNCT
cblr-2965	161	25	shifting	shift	VERB
cblr-2965	161	26	the	the	DET
cblr-2965	161	27	fund	fund	NOUN
cblr-2965	161	28	's	's	PART
cblr-2965	161	29	asset	asset	NOUN
cblr-2965	161	30	mix	mix	NOUN
cblr-2965	161	31	over	over	ADP
cblr-2965	161	32	time	time	NOUN
cblr-2965	161	33	in	in	ADP
cblr-2965	161	34	light	light	NOUN
cblr-2965	161	35	of	of	ADP
cblr-2965	161	36	the	the	DET
cblr-2965	161	37	investors	investor	NOUN
cblr-2965	161	38	'	'	PART
cblr-2965	161	39	retirement	retirement	NOUN
cblr-2965	161	40	target	target	NOUN
cblr-2965	161	41	date	date	NOUN
cblr-2965	161	42	.	.	PUNCT
cblr-2965	162	1	although	although	SCONJ
cblr-2965	162	2	growing	grow	VERB
cblr-2965	162	3	by	by	ADP
cblr-2965	162	4	61	61	NUM
cblr-2965	162	5	%	%	NOUN
cblr-2965	162	6	from	from	ADP
cblr-2965	162	7	the	the	DET
cblr-2965	162	8	end	end	NOUN
cblr-2965	162	9	of	of	ADP
cblr-2965	162	10	2006	2006	NUM
cblr-2965	162	11	to	to	ADP
cblr-2965	162	12	$	$	SYM
cblr-2965	162	13	185	185	NUM
cblr-2965	162	14	billion	billion	NUM
cblr-2965	162	15	as	as	ADP
cblr-2965	162	16	of	of	ADP
cblr-2965	162	17	march	march	PROPN
cblr-2965	162	18	2008	2008	NUM
cblr-2965	162	19	,	,	PUNCT
cblr-2965	162	20	these	these	DET
cblr-2965	162	21	funds	fund	NOUN
cblr-2965	162	22	still	still	ADV
cblr-2965	162	23	constitute	constitute	VERB
cblr-2965	162	24	only	only	ADV
cblr-2965	162	25	approximately	approximately	ADV
cblr-2965	162	26	1	1	NUM
cblr-2965	162	27	%	%	NOUN
cblr-2965	162	28	of	of	ADP
cblr-2965	162	29	retirement	retirement	NOUN
cblr-2965	162	30	assets.27	assets.27	ADV
cblr-2965	162	31	in	in	ADP
cblr-2965	162	32	summary	summary	NOUN
cblr-2965	162	33	,	,	PUNCT
cblr-2965	162	34	our	our	PRON
cblr-2965	162	35	nation	nation	NOUN
cblr-2965	162	36	relies	rely	VERB
cblr-2965	162	37	upon	upon	SCONJ
cblr-2965	162	38	mutual	mutual	ADJ
cblr-2965	162	39	funds	fund	NOUN
cblr-2965	162	40	.	.	PUNCT
cblr-2965	163	1	ownership	ownership	NOUN
cblr-2965	163	2	of	of	ADP
cblr-2965	163	3	mutual	mutual	ADJ
cblr-2965	163	4	funds	fund	NOUN
cblr-2965	163	5	has	have	AUX
cblr-2965	163	6	become	become	VERB
cblr-2965	163	7	widespread	widespread	ADJ
cblr-2965	163	8	,	,	PUNCT
cblr-2965	163	9	with	with	ADP
cblr-2965	163	10	almost	almost	ADV
cblr-2965	163	11	half	half	NOUN
cblr-2965	163	12	of	of	ADP
cblr-2965	163	13	american	american	ADJ
cblr-2965	163	14	households	household	NOUN
cblr-2965	163	15	owning	own	VERB
cblr-2965	163	16	them	they	PRON
cblr-2965	163	17	.	.	PUNCT
cblr-2965	164	1	these	these	DET
cblr-2965	164	2	funds	fund	NOUN
cblr-2965	164	3	constitute	constitute	VERB
cblr-2965	164	4	a	a	DET
cblr-2965	164	5	significant	significant	ADJ
cblr-2965	164	6	portion	portion	NOUN
cblr-2965	164	7	of	of	ADP
cblr-2965	164	8	our	our	PRON
cblr-2965	164	9	savings	saving	NOUN
cblr-2965	164	10	and	and	CCONJ
cblr-2965	164	11	are	be	AUX
cblr-2965	164	12	a	a	DET
cblr-2965	164	13	particularly	particularly	ADV
cblr-2965	164	14	important	important	ADJ
cblr-2965	164	15	component	component	NOUN
cblr-2965	164	16	of	of	ADP
cblr-2965	164	17	our	our	PRON
cblr-2965	164	18	retirement	retirement	NOUN
cblr-2965	164	19	system	system	NOUN
cblr-2965	164	20	.	.	PUNCT
cblr-2965	165	1	as	as	ADP
cblr-2965	165	2	a	a	DET
cblr-2965	165	3	result	result	NOUN
cblr-2965	165	4	,	,	PUNCT
cblr-2965	165	5	understanding	understand	VERB
cblr-2965	165	6	fund	fund	NOUN
cblr-2965	165	7	investors	investor	NOUN
cblr-2965	165	8	'	'	PART
cblr-2965	165	9	characteristics	characteristic	NOUN
cblr-2965	165	10	-	-	PUNCT
cblr-2965	165	11	especially	especially	ADV
cblr-2965	165	12	their	their	PRON
cblr-2965	165	13	knowledge	knowledge	NOUN
cblr-2965	165	14	,	,	PUNCT
cblr-2965	165	15	financial	financial	ADJ
cblr-2965	165	16	sophistication	sophistication	NOUN
cblr-2965	165	17	,	,	PUNCT
cblr-2965	165	18	and	and	CCONJ
cblr-2965	165	19	how	how	SCONJ
cblr-2965	165	20	they	they	PRON
cblr-2965	165	21	choose	choose	VERB
cblr-2965	165	22	among	among	ADP
cblr-2965	165	23	mutual	mutual	ADJ
cblr-2965	165	24	funds	fund	NOUN
cblr-2965	165	25	-	-	PUNCT
cblr-2965	165	26	is	be	AUX
cblr-2965	165	27	essential	essential	ADJ
cblr-2965	165	28	to	to	ADP
cblr-2965	165	29	understanding	understand	VERB
cblr-2965	165	30	and	and	CCONJ
cblr-2965	165	31	safeguarding	safeguard	VERB
cblr-2965	165	32	this	this	DET
cblr-2965	165	33	system	system	NOUN
cblr-2965	165	34	.	.	PUNCT
cblr-2965	166	1	this	this	DET
cblr-2965	166	2	article	article	NOUN
cblr-2965	166	3	presents	present	VERB
cblr-2965	166	4	three	three	NUM
cblr-2965	166	5	profiles	profile	NOUN
cblr-2965	166	6	of	of	ADP
cblr-2965	166	7	the	the	DET
cblr-2965	166	8	mutual	mutual	ADJ
cblr-2965	166	9	fund	fund	NOUN
cblr-2965	166	10	investor	investor	NOUN
cblr-2965	166	11	:	:	PUNCT
cblr-2965	166	12	one	one	NUM
cblr-2965	166	13	put	put	VERB
cblr-2965	166	14	forward	forward	ADV
cblr-2965	166	15	by	by	ADP
cblr-2965	166	16	the	the	DET
cblr-2965	166	17	mutual	mutual	ADJ
cblr-2965	166	18	fund	fund	NOUN
cblr-2965	166	19	industry	industry	NOUN
cblr-2965	166	20	,	,	PUNCT
cblr-2965	166	21	another	another	PRON
cblr-2965	166	22	assumed	assume	VERB
cblr-2965	166	23	by	by	ADP
cblr-2965	166	24	the	the	DET
cblr-2965	166	25	sec	sec	PROPN
cblr-2965	166	26	,	,	PUNCT
cblr-2965	166	27	and	and	CCONJ
cblr-2965	166	28	yet	yet	ADV
cblr-2965	166	29	another	another	PRON
cblr-2965	166	30	identified	identify	VERB
cblr-2965	166	31	by	by	ADP
cblr-2965	166	32	the	the	DET
cblr-2965	166	33	academic	academic	ADJ
cblr-2965	166	34	finance	finance	NOUN
cblr-2965	166	35	literature	literature	NOUN
cblr-2965	166	36	.	.	PUNCT
cblr-2965	167	1	25	25	NUM
cblr-2965	167	2	as	as	ADP
cblr-2965	167	3	of	of	ADP
cblr-2965	167	4	june	june	PROPN
cblr-2965	167	5	2008	2008	NUM
cblr-2965	167	6	,	,	PUNCT
cblr-2965	167	7	total	total	ADJ
cblr-2965	167	8	net	net	ADJ
cblr-2965	167	9	assets	asset	NOUN
cblr-2965	167	10	of	of	ADP
cblr-2965	167	11	mutual	mutual	ADJ
cblr-2965	167	12	funds	fund	NOUN
cblr-2965	167	13	were	be	AUX
cblr-2965	167	14	:	:	PUNCT
cblr-2965	167	15	$	$	SYM
cblr-2965	167	16	billions	billions	NUM
cblr-2965	167	17	%	%	NOUN
cblr-2965	167	18	of	of	ADP
cblr-2965	167	19	total	total	ADJ
cblr-2965	167	20	stock	stock	NOUN
cblr-2965	167	21	funds	fund	NOUN
cblr-2965	167	22	5,838.9	5,838.9	NUM
cblr-2965	167	23	50.0	50.0	NUM
cblr-2965	167	24	hybrid	hybrid	ADJ
cblr-2965	167	25	funds	fund	NOUN
cblr-2965	167	26	675.0	675.0	NUM
cblr-2965	167	27	5.8	5.8	NUM
cblr-2965	167	28	taxable	taxable	ADJ
cblr-2965	167	29	bond	bond	NOUN
cblr-2965	167	30	funds	fund	NOUN
cblr-2965	167	31	1,373.4	1,373.4	NUM
cblr-2965	167	32	11.8	11.8	NUM
cblr-2965	167	33	municipal	municipal	ADJ
cblr-2965	167	34	bond	bond	NOUN
cblr-2965	167	35	funds	fund	NOUN
cblr-2965	167	36	384.2	384.2	NUM
cblr-2965	167	37	3.3	3.3	NUM
cblr-2965	167	38	taxable	taxable	ADJ
cblr-2965	167	39	money	money	NOUN
cblr-2965	167	40	market	market	NOUN
cblr-2965	167	41	funds	fund	NOUN
cblr-2965	167	42	2,909.8	2,909.8	NUM
cblr-2965	167	43	24.9	24.9	NUM
cblr-2965	167	44	tax	tax	NOUN
cblr-2965	167	45	-	-	PUNCT
cblr-2965	167	46	free	free	ADJ
cblr-2965	167	47	money	money	NOUN
cblr-2965	167	48	market	market	NOUN
cblr-2965	167	49	funds	fund	NOUN
cblr-2965	167	50	496.8	496.8	NUM
cblr-2965	167	51	4.3	4.3	NUM
cblr-2965	167	52	total	total	NOUN
cblr-2965	167	53	11,678.1	11,678.1	NUM
cblr-2965	167	54	100	100	NUM
cblr-2965	167	55	%	%	NOUN
cblr-2965	167	56	ici	ici	PROPN
cblr-2965	167	57	statistics	statistics	PROPN
cblr-2965	167	58	&	&	CCONJ
cblr-2965	167	59	research	research	NOUN
cblr-2965	167	60	,	,	PUNCT
cblr-2965	167	61	trends	trend	NOUN
cblr-2965	167	62	in	in	ADP
cblr-2965	167	63	mutual	mutual	ADJ
cblr-2965	167	64	fund	fund	NOUN
cblr-2965	167	65	investing	investing	NOUN
cblr-2965	167	66	(	(	PUNCT
cblr-2965	167	67	june	june	PROPN
cblr-2965	167	68	2008	2008	NUM
cblr-2965	167	69	)	)	PUNCT
cblr-2965	167	70	,	,	PUNCT
cblr-2965	167	71	http://www.ici.org/stats/mf/arctrends/trends_06_08.html	http://www.ici.org/stats/mf/arctrends/trends_06_08.html	PROPN
cblr-2965	167	72	.	.	NOUN
cblr-2965	168	1	26	26	NUM
cblr-2965	168	2	jeremy	jeremy	PROPN
cblr-2965	168	3	j.	j.	PROPN
cblr-2965	168	4	siegel	siegel	PROPN
cblr-2965	168	5	,	,	PUNCT
cblr-2965	168	6	stocks	stock	NOUN
cblr-2965	168	7	for	for	ADP
cblr-2965	168	8	the	the	DET
cblr-2965	168	9	long	long	ADJ
cblr-2965	168	10	run	run	NOUN
cblr-2965	168	11	12	12	NUM
cblr-2965	168	12	-	-	SYM
cblr-2965	168	13	18	18	NUM
cblr-2965	168	14	,	,	PUNCT
cblr-2965	168	15	24	24	NUM
cblr-2965	168	16	-	-	SYM
cblr-2965	168	17	27	27	NUM
cblr-2965	168	18	(	(	PUNCT
cblr-2965	168	19	4th	4th	ADJ
cblr-2965	168	20	ed	ed	NOUN
cblr-2965	168	21	.	.	PROPN
cblr-2965	168	22	2008	2008	NUM
cblr-2965	168	23	)	)	PUNCT
cblr-2965	168	24	.	.	PUNCT
cblr-2965	169	1	27	27	NUM
cblr-2965	169	2	ici	ici	NOUN
cblr-2965	169	3	,	,	PUNCT
cblr-2965	169	4	retirement	retirement	NOUN
cblr-2965	169	5	market	market	NOUN
cblr-2965	169	6	,	,	PUNCT
cblr-2965	169	7	supra	supra	PROPN
cblr-2965	169	8	note	note	NOUN
cblr-2965	169	9	12	12	NUM
cblr-2965	169	10	at	at	ADP
cblr-2965	169	11	10	10	NUM
cblr-2965	169	12	fig.13	fig.13	ADJ
cblr-2965	169	13	&	&	CCONJ
cblr-2965	169	14	11	11	NUM
cblr-2965	169	15	fig.a1	fig.a1	X
cblr-2965	169	16	.	.	PUNCT
cblr-2965	170	1	[	[	X
cblr-2965	170	2	vol	vol	NOUN
cblr-2965	170	3	.	.	NOUN
cblr-2965	170	4	2008	2008	NUM
cblr-2965	170	5	mutual	mutual	ADJ
cblr-2965	170	6	fund	fund	NOUN
cblr-2965	170	7	investors	investors	PROPN
cblr-2965	170	8	iii	iii	PROPN
cblr-2965	170	9	.	.	PUNCT
cblr-2965	170	10	industrys	industrys	ADJ
cblr-2965	170	11	portrait	portrait	NOUN
cblr-2965	170	12	of	of	ADP
cblr-2965	170	13	fund	fund	NOUN
cblr-2965	170	14	investors	investor	NOUN
cblr-2965	170	15	:	:	PUNCT
cblr-2965	170	16	sophisticated	sophisticated	ADJ
cblr-2965	170	17	and	and	CCONJ
cblr-2965	170	18	informed	inform	VERB
cblr-2965	170	19	the	the	DET
cblr-2965	170	20	first	first	ADJ
cblr-2965	170	21	portrait	portrait	NOUN
cblr-2965	170	22	of	of	ADP
cblr-2965	170	23	the	the	DET
cblr-2965	170	24	mutual	mutual	ADJ
cblr-2965	170	25	fund	fund	NOUN
cblr-2965	170	26	investor	investor	NOUN
cblr-2965	170	27	is	be	AUX
cblr-2965	170	28	painted	paint	VERB
cblr-2965	170	29	by	by	ADP
cblr-2965	170	30	the	the	DET
cblr-2965	170	31	fund	fund	NOUN
cblr-2965	170	32	industry	industry	NOUN
cblr-2965	170	33	itself	itself	PRON
cblr-2965	170	34	.	.	PUNCT
cblr-2965	171	1	established	establish	VERB
cblr-2965	171	2	in	in	ADP
cblr-2965	171	3	1940	1940	NUM
cblr-2965	171	4	,	,	PUNCT
cblr-2965	171	5	the	the	DET
cblr-2965	171	6	investment	investment	NOUN
cblr-2965	171	7	company	company	NOUN
cblr-2965	171	8	institute	institute	NOUN
cblr-2965	171	9	(	(	PUNCT
cblr-2965	171	10	"	"	PUNCT
cblr-2965	171	11	ici	ici	NOUN
cblr-2965	171	12	"	"	PUNCT
cblr-2965	171	13	)	)	PUNCT
cblr-2965	171	14	is	be	AUX
cblr-2965	171	15	the	the	DET
cblr-2965	171	16	national	national	PROPN
cblr-2965	171	17	trade	trade	PROPN
cblr-2965	171	18	association	association	PROPN
cblr-2965	171	19	of	of	ADP
cblr-2965	171	20	the	the	DET
cblr-2965	171	21	u.s	u.s	PROPN
cblr-2965	171	22	.	.	PROPN
cblr-2965	171	23	mutual	mutual	ADJ
cblr-2965	171	24	fund	fund	NOUN
cblr-2965	171	25	industry	industry	NOUN
cblr-2965	171	26	.	.	PUNCT
cblr-2965	172	1	as	as	ADP
cblr-2965	172	2	of	of	ADP
cblr-2965	172	3	august	august	PROPN
cblr-2965	172	4	2007	2007	NUM
cblr-2965	172	5	,	,	PUNCT
cblr-2965	172	6	ici	ici	PROPN
cblr-2965	172	7	members	member	NOUN
cblr-2965	172	8	served	serve	VERB
cblr-2965	172	9	almost	almost	ADV
cblr-2965	172	10	90	90	NUM
cblr-2965	172	11	million	million	NUM
cblr-2965	172	12	individual	individual	ADJ
cblr-2965	172	13	investors	investor	NOUN
cblr-2965	172	14	and	and	CCONJ
cblr-2965	172	15	were	be	AUX
cblr-2965	172	16	responsible	responsible	ADJ
cblr-2965	172	17	for	for	ADP
cblr-2965	172	18	8729	8729	NUM
cblr-2965	172	19	mutual	mutual	ADJ
cblr-2965	172	20	funds	fund	NOUN
cblr-2965	172	21	that	that	PRON
cblr-2965	172	22	collectively	collectively	ADV
cblr-2965	172	23	held	hold	VERB
cblr-2965	172	24	$	$	SYM
cblr-2965	172	25	11.5	11.5	NUM
cblr-2965	172	26	trillion	trillion	NUM
cblr-2965	172	27	in	in	ADP
cblr-2965	172	28	assets.28	assets.28	PROPN
cblr-2965	172	29	the	the	DET
cblr-2965	172	30	ici	ici	PROPN
cblr-2965	172	31	's	's	PART
cblr-2965	172	32	stated	state	VERB
cblr-2965	172	33	mission	mission	NOUN
cblr-2965	172	34	includes	include	VERB
cblr-2965	172	35	"	"	PUNCT
cblr-2965	172	36	advancing	advance	VERB
cblr-2965	172	37	the	the	DET
cblr-2965	172	38	interests	interest	NOUN
cblr-2965	172	39	of	of	ADP
cblr-2965	172	40	funds	fund	NOUN
cblr-2965	172	41	,	,	PUNCT
cblr-2965	172	42	their	their	PRON
cblr-2965	172	43	shareholders	shareholder	NOUN
cblr-2965	172	44	,	,	PUNCT
cblr-2965	172	45	directors	director	NOUN
cblr-2965	172	46	,	,	PUNCT
cblr-2965	172	47	and	and	CCONJ
cblr-2965	172	48	investment	investment	NOUN
cblr-2965	172	49	advisers	adviser	NOUN
cblr-2965	172	50	.	.	PUNCT
cblr-2965	172	51	...	...	PUNCT
cblr-2965	173	1	-29	-29	PUNCT
cblr-2965	173	2	to	to	PART
cblr-2965	173	3	accomplish	accomplish	VERB
cblr-2965	173	4	its	its	PRON
cblr-2965	173	5	mission	mission	NOUN
cblr-2965	173	6	,	,	PUNCT
cblr-2965	173	7	the	the	DET
cblr-2965	173	8	ici	ici	NOUN
cblr-2965	173	9	often	often	ADV
cblr-2965	173	10	provides	provide	VERB
cblr-2965	173	11	input	input	NOUN
cblr-2965	173	12	regarding	regard	VERB
cblr-2965	173	13	the	the	DET
cblr-2965	173	14	regulation	regulation	NOUN
cblr-2965	173	15	of	of	ADP
cblr-2965	173	16	mutual	mutual	ADJ
cblr-2965	173	17	funds	fund	NOUN
cblr-2965	173	18	to	to	ADP
cblr-2965	173	19	congress	congress	PROPN
cblr-2965	173	20	,	,	PUNCT
cblr-2965	173	21	the	the	DET
cblr-2965	173	22	sec	sec	PROPN
cblr-2965	173	23	,	,	PUNCT
cblr-2965	173	24	and	and	CCONJ
cblr-2965	173	25	other	other	ADJ
cblr-2965	173	26	regulatory	regulatory	ADJ
cblr-2965	173	27	organizations	organization	NOUN
cblr-2965	173	28	.	.	PUNCT
cblr-2965	173	29	"	"	PUNCT
cblr-2965	174	1	the	the	DET
cblr-2965	174	2	ici	ici	NOUN
cblr-2965	174	3	has	have	AUX
cblr-2965	174	4	consistently	consistently	ADV
cblr-2965	174	5	maintained	maintain	VERB
cblr-2965	174	6	that	that	SCONJ
cblr-2965	174	7	the	the	DET
cblr-2965	174	8	mutual	mutual	ADJ
cblr-2965	174	9	fund	fund	NOUN
cblr-2965	174	10	industry	industry	NOUN
cblr-2965	174	11	is	be	AUX
cblr-2965	174	12	highly	highly	ADV
cblr-2965	174	13	competitive	competitive	ADJ
cblr-2965	174	14	,	,	PUNCT
cblr-2965	174	15	with	with	ADP
cblr-2965	174	16	fund	fund	NOUN
cblr-2965	174	17	choices	choice	NOUN
cblr-2965	174	18	,	,	PUNCT
cblr-2965	174	19	services	service	NOUN
cblr-2965	174	20	,	,	PUNCT
cblr-2965	174	21	and	and	CCONJ
cblr-2965	174	22	fees	fee	NOUN
cblr-2965	174	23	determined	determine	VERB
cblr-2965	174	24	by	by	ADP
cblr-2965	174	25	a	a	DET
cblr-2965	174	26	robust	robust	ADJ
cblr-2965	174	27	market	market	NOUN
cblr-2965	174	28	of	of	ADP
cblr-2965	174	29	sophisticated	sophisticated	ADJ
cblr-2965	174	30	and	and	CCONJ
cblr-2965	174	31	informed	inform	VERB
cblr-2965	174	32	mutual	mutual	ADJ
cblr-2965	174	33	fund	fund	NOUN
cblr-2965	174	34	investors	investor	NOUN
cblr-2965	174	35	.	.	PUNCT
cblr-2965	175	1	relying	rely	VERB
cblr-2965	175	2	on	on	ADP
cblr-2965	175	3	the	the	DET
cblr-2965	175	4	results	result	NOUN
cblr-2965	175	5	of	of	ADP
cblr-2965	175	6	a	a	DET
cblr-2965	175	7	2006	2006	NUM
cblr-2965	175	8	ici	ici	NOUN
cblr-2965	175	9	-	-	PUNCT
cblr-2965	175	10	sponsored	sponsor	VERB
cblr-2965	175	11	survey	survey	NOUN
cblr-2965	175	12	of	of	ADP
cblr-2965	175	13	investors	investor	NOUN
cblr-2965	175	14	who	who	PRON
cblr-2965	175	15	had	have	AUX
cblr-2965	175	16	purchased	purchase	VERB
cblr-2965	175	17	mutual	mutual	ADJ
cblr-2965	175	18	funds	fund	NOUN
cblr-2965	175	19	outside	outside	ADP
cblr-2965	175	20	of	of	ADP
cblr-2965	175	21	retirement	retirement	NOUN
cblr-2965	175	22	plans	plan	NOUN
cblr-2965	175	23	,	,	PUNCT
cblr-2965	175	24	the	the	DET
cblr-2965	175	25	ici	ici	NOUN
cblr-2965	175	26	has	have	AUX
cblr-2965	175	27	asserted	assert	VERB
cblr-2965	175	28	that	that	SCONJ
cblr-2965	175	29	fund	fund	NOUN
cblr-2965	175	30	investors	investor	NOUN
cblr-2965	175	31	seek	seek	VERB
cblr-2965	175	32	out	out	ADP
cblr-2965	175	33	and	and	CCONJ
cblr-2965	175	34	examine	examine	VERB
cblr-2965	175	35	important	important	ADJ
cblr-2965	175	36	fund	fund	NOUN
cblr-2965	175	37	information	information	NOUN
cblr-2965	175	38	before	before	ADP
cblr-2965	175	39	investing	investing	NOUN
cblr-2965	175	40	,	,	PUNCT
cblr-2965	175	41	28	28	NUM
cblr-2965	175	42	investment	investment	NOUN
cblr-2965	175	43	company	company	NOUN
cblr-2965	175	44	institute	institute	NOUN
cblr-2965	175	45	,	,	PUNCT
cblr-2965	175	46	2007	2007	NUM
cblr-2965	175	47	annual	annual	ADJ
cblr-2965	175	48	report	report	NOUN
cblr-2965	175	49	to	to	ADP
cblr-2965	175	50	members	members	PROPN
cblr-2965	175	51	ii	ii	PROPN
cblr-2965	175	52	(	(	PUNCT
cblr-2965	175	53	2007	2007	NUM
cblr-2965	175	54	)	)	PUNCT
cblr-2965	175	55	,	,	PUNCT
cblr-2965	175	56	available	available	ADJ
cblr-2965	175	57	at	at	ADP
cblr-2965	175	58	http://www.ici.org/statements/	http://www.ici.org/statements/	PROPN
cblr-2965	175	59	ppr/07ici	ppr/07ici	PROPN
cblr-2965	175	60	-	-	PUNCT
cblr-2965	175	61	annual.pdf	annual.pdf	PROPN
cblr-2965	175	62	.	.	PUNCT
cblr-2965	175	63	ici	ici	PROPN
cblr-2965	175	64	members	member	NOUN
cblr-2965	175	65	also	also	ADV
cblr-2965	175	66	were	be	AUX
cblr-2965	175	67	responsible	responsible	ADJ
cblr-2965	175	68	for	for	ADP
cblr-2965	175	69	656	656	NUM
cblr-2965	175	70	closed	close	VERB
cblr-2965	175	71	-	-	PUNCT
cblr-2965	175	72	end	end	NOUN
cblr-2965	175	73	funds	fund	NOUN
cblr-2965	175	74	,	,	PUNCT
cblr-2965	175	75	546	546	NUM
cblr-2965	175	76	exchange	exchange	NOUN
cblr-2965	175	77	-	-	PUNCT
cblr-2965	175	78	traded	trade	VERB
cblr-2965	175	79	funds	fund	NOUN
cblr-2965	175	80	,	,	PUNCT
cblr-2965	175	81	and	and	CCONJ
cblr-2965	175	82	5,907	5,907	NUM
cblr-2965	175	83	unit	unit	NOUN
cblr-2965	175	84	investment	investment	NOUN
cblr-2965	175	85	trusts	trust	NOUN
cblr-2965	175	86	.	.	PUNCT
cblr-2965	176	1	i	i	PRON
cblr-2965	176	2	d.	d.	PROPN
cblr-2965	176	3	29	29	NUM
cblr-2965	176	4	investment	investment	NOUN
cblr-2965	176	5	company	company	NOUN
cblr-2965	176	6	institute	institute	NOUN
cblr-2965	176	7	,	,	PUNCT
cblr-2965	176	8	about	about	ADP
cblr-2965	176	9	ici	ici	PROPN
cblr-2965	176	10	,	,	PUNCT
cblr-2965	176	11	http://www.ici.org/aboutici.html	http://www.ici.org/aboutici.html	PROPN
cblr-2965	176	12	(	(	PUNCT
cblr-2965	176	13	last	last	ADV
cblr-2965	176	14	visited	visit	VERB
cblr-2965	176	15	dec	dec	PROPN
cblr-2965	176	16	.	.	PROPN
cblr-2965	176	17	3	3	NUM
cblr-2965	176	18	,	,	PUNCT
cblr-2965	176	19	2008	2008	NUM
cblr-2965	176	20	)	)	PUNCT
cblr-2965	176	21	.	.	PUNCT
cblr-2965	177	1	3	3	NUM
cblr-2965	177	2	much	much	ADJ
cblr-2965	177	3	of	of	ADP
cblr-2965	177	4	this	this	DET
cblr-2965	177	5	input	input	NOUN
cblr-2965	177	6	is	be	AUX
cblr-2965	177	7	accessible	accessible	ADJ
cblr-2965	177	8	on	on	ADP
cblr-2965	177	9	the	the	DET
cblr-2965	177	10	ici	ici	NOUN
cblr-2965	177	11	's	's	PART
cblr-2965	177	12	website	website	NOUN
cblr-2965	177	13	.	.	PUNCT
cblr-2965	178	1	see	see	VERB
cblr-2965	178	2	generally	generally	ADV
cblr-2965	178	3	investment	investment	NOUN
cblr-2965	178	4	company	company	NOUN
cblr-2965	178	5	institute	institute	NOUN
cblr-2965	178	6	,	,	PUNCT
cblr-2965	178	7	testimony	testimony	NOUN
cblr-2965	178	8	,	,	PUNCT
cblr-2965	178	9	http://www.ici	http://www.ici	PROPN
cblr-2965	178	10	.	.	PUNCT
cblr-2965	178	11	org	org	ADJ
cblr-2965	178	12	/	/	SYM
cblr-2965	178	13	statements	statement	NOUN
cblr-2965	178	14	/	/	SYM
cblr-2965	178	15	tmny	tmny	NOUN
cblr-2965	178	16	/	/	SYM
cblr-2965	178	17	index.html	index.html	NOUN
cblr-2965	178	18	(	(	PUNCT
cblr-2965	178	19	last	last	ADV
cblr-2965	178	20	visited	visit	VERB
cblr-2965	178	21	dec	dec	PROPN
cblr-2965	178	22	.	.	PROPN
cblr-2965	178	23	3	3	NUM
cblr-2965	178	24	,	,	PUNCT
cblr-2965	178	25	2008	2008	NUM
cblr-2965	178	26	)	)	PUNCT
cblr-2965	178	27	(	(	PUNCT
cblr-2965	178	28	list	list	NOUN
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cblr-2965	178	30	occasions	occasion	NOUN
cblr-2965	178	31	on	on	ADP
cblr-2965	178	32	which	which	PRON
cblr-2965	178	33	ici	ici	NOUN
cblr-2965	178	34	staff	staff	NOUN
cblr-2965	178	35	testified	testify	VERB
cblr-2965	178	36	before	before	ADP
cblr-2965	178	37	government	government	NOUN
cblr-2965	178	38	entities	entity	NOUN
cblr-2965	178	39	)	)	PUNCT
cblr-2965	178	40	;	;	PUNCT
cblr-2965	178	41	investment	investment	NOUN
cblr-2965	178	42	company	company	NOUN
cblr-2965	178	43	institute	institute	NOUN
cblr-2965	178	44	,	,	PUNCT
cblr-2965	178	45	comment	comment	NOUN
cblr-2965	178	46	letters	letter	NOUN
cblr-2965	178	47	,	,	PUNCT
cblr-2965	178	48	http://www.ici	http://www.ici	PROPN
cblr-2965	178	49	.	.	PUNCT
cblr-2965	179	1	org	org	ADJ
cblr-2965	179	2	/	/	SYM
cblr-2965	179	3	statements	statement	NOUN
cblr-2965	179	4	/	/	SYM
cblr-2965	179	5	cmltr	cmltr	NOUN
cblr-2965	179	6	/	/	SYM
cblr-2965	179	7	index.html	index.html	NOUN
cblr-2965	179	8	(	(	PUNCT
cblr-2965	179	9	last	last	ADV
cblr-2965	179	10	visited	visit	VERB
cblr-2965	179	11	dec	dec	PROPN
cblr-2965	179	12	.	.	PROPN
cblr-2965	179	13	3	3	NUM
cblr-2965	179	14	,	,	PUNCT
cblr-2965	179	15	2008	2008	NUM
cblr-2965	179	16	)	)	PUNCT
cblr-2965	179	17	(	(	PUNCT
cblr-2965	179	18	list	list	NOUN
cblr-2965	179	19	of	of	ADP
cblr-2965	179	20	comment	comment	NOUN
cblr-2965	179	21	letters	letter	NOUN
cblr-2965	179	22	filed	file	VERB
cblr-2965	179	23	by	by	ADP
cblr-2965	179	24	ici	ici	PROPN
cblr-2965	179	25	with	with	ADP
cblr-2965	179	26	government	government	NOUN
cblr-2965	179	27	agencies	agency	NOUN
cblr-2965	179	28	and	and	CCONJ
cblr-2965	179	29	selfregulatory	selfregulatory	ADJ
cblr-2965	179	30	organizations	organization	NOUN
cblr-2965	179	31	)	)	PUNCT
cblr-2965	179	32	.	.	PUNCT
cblr-2965	180	1	no	no	INTJ
cblr-2965	180	2	.	.	PUNCT
cblr-2965	181	1	3:934	3:934	X
cblr-2965	181	2	]	]	X
cblr-2965	181	3	columbia	columbia	PROPN
cblr-2965	181	4	business	business	PROPN
cblr-2965	181	5	la	la	PROPN
cblr-2965	181	6	wreview	wreview	NOUN
cblr-2965	181	7	including	include	VERB
cblr-2965	181	8	the	the	DET
cblr-2965	181	9	fund	fund	NOUN
cblr-2965	181	10	's	's	PART
cblr-2965	181	11	investment	investment	NOUN
cblr-2965	181	12	objectives	objective	NOUN
cblr-2965	181	13	,	,	PUNCT
cblr-2965	181	14	fees	fee	NOUN
cblr-2965	181	15	and	and	CCONJ
cblr-2965	181	16	expenses	expense	NOUN
cblr-2965	181	17	,	,	PUNCT
cblr-2965	181	18	historical	historical	ADJ
cblr-2965	181	19	performance	performance	NOUN
cblr-2965	181	20	,	,	PUNCT
cblr-2965	181	21	and	and	CCONJ
cblr-2965	181	22	risks	risk	NOUN
cblr-2965	181	23	.	.	PUNCT
cblr-2965	182	1	the	the	DET
cblr-2965	182	2	ici	ici	PROPN
cblr-2965	182	3	survey	survey	NOUN
cblr-2965	182	4	concluded	conclude	VERB
cblr-2965	182	5	that	that	SCONJ
cblr-2965	182	6	investors	investor	NOUN
cblr-2965	182	7	obtain	obtain	VERB
cblr-2965	182	8	information	information	NOUN
cblr-2965	182	9	about	about	ADP
cblr-2965	182	10	mutual	mutual	ADJ
cblr-2965	182	11	funds	fund	NOUN
cblr-2965	182	12	from	from	ADP
cblr-2965	182	13	a	a	DET
cblr-2965	182	14	variety	variety	NOUN
cblr-2965	182	15	of	of	ADP
cblr-2965	182	16	sources	source	NOUN
cblr-2965	182	17	,	,	PUNCT
cblr-2965	182	18	and	and	CCONJ
cblr-2965	182	19	most	most	ADJ
cblr-2965	182	20	receive	receive	VERB
cblr-2965	182	21	guidance	guidance	NOUN
cblr-2965	182	22	from	from	ADP
cblr-2965	182	23	professional	professional	ADJ
cblr-2965	182	24	financial	financial	ADJ
cblr-2965	182	25	advisers	adviser	NOUN
cblr-2965	182	26	.	.	PUNCT
cblr-2965	183	1	in	in	ADP
cblr-2965	183	2	short	short	ADJ
cblr-2965	183	3	,	,	PUNCT
cblr-2965	183	4	the	the	DET
cblr-2965	183	5	survey	survey	NOUN
cblr-2965	183	6	portrays	portray	VERB
cblr-2965	183	7	mutual	mutual	ADJ
cblr-2965	183	8	fund	fund	NOUN
cblr-2965	183	9	investors	investor	NOUN
cblr-2965	183	10	as	as	ADP
cblr-2965	183	11	generally	generally	ADV
cblr-2965	183	12	knowledgeable	knowledgeable	ADJ
cblr-2965	183	13	and	and	CCONJ
cblr-2965	183	14	well	well	ADV
cblr-2965	183	15	-	-	PUNCT
cblr-2965	183	16	advised	advise	VERB
cblr-2965	183	17	,	,	PUNCT
cblr-2965	183	18	leaving	leave	VERB
cblr-2965	183	19	little	little	ADJ
cblr-2965	183	20	need	need	NOUN
cblr-2965	183	21	for	for	ADP
cblr-2965	183	22	greater	great	ADJ
cblr-2965	183	23	regulation	regulation	NOUN
cblr-2965	183	24	of	of	ADP
cblr-2965	183	25	the	the	DET
cblr-2965	183	26	industry	industry	NOUN
cblr-2965	183	27	.	.	PUNCT
cblr-2965	184	1	in	in	ADP
cblr-2965	184	2	other	other	ADJ
cblr-2965	184	3	settings	setting	NOUN
cblr-2965	184	4	,	,	PUNCT
cblr-2965	184	5	the	the	DET
cblr-2965	184	6	ici	ici	NOUN
cblr-2965	184	7	has	have	AUX
cblr-2965	184	8	presented	present	VERB
cblr-2965	184	9	a	a	DET
cblr-2965	184	10	slightly	slightly	ADV
cblr-2965	184	11	more	more	ADV
cblr-2965	184	12	cautious	cautious	ADJ
cblr-2965	184	13	portrait	portrait	NOUN
cblr-2965	184	14	of	of	ADP
cblr-2965	184	15	mutual	mutual	ADJ
cblr-2965	184	16	fund	fund	NOUN
cblr-2965	184	17	investors	investor	NOUN
cblr-2965	184	18	.	.	PUNCT
cblr-2965	185	1	in	in	ADP
cblr-2965	185	2	its	its	PRON
cblr-2965	185	3	publications	publication	NOUN
cblr-2965	185	4	,	,	PUNCT
cblr-2965	185	5	speeches	speech	NOUN
cblr-2965	185	6	by	by	ADP
cblr-2965	185	7	its	its	PRON
cblr-2965	185	8	officials	official	NOUN
cblr-2965	185	9	,	,	PUNCT
cblr-2965	185	10	and	and	CCONJ
cblr-2965	185	11	comments	comment	NOUN
cblr-2965	185	12	to	to	ADP
cblr-2965	185	13	the	the	DET
cblr-2965	185	14	sec	sec	PROPN
cblr-2965	185	15	,	,	PUNCT
cblr-2965	185	16	the	the	DET
cblr-2965	185	17	ici	ici	NOUN
cblr-2965	185	18	has	have	AUX
cblr-2965	185	19	regularly	regularly	ADV
cblr-2965	185	20	supported	support	VERB
cblr-2965	185	21	simplifying	simplify	VERB
cblr-2965	185	22	and	and	CCONJ
cblr-2965	185	23	standardizing	standardize	VERB
cblr-2965	185	24	required	require	VERB
cblr-2965	185	25	disclosure	disclosure	NOUN
cblr-2965	185	26	by	by	ADP
cblr-2965	185	27	mutual	mutual	ADJ
cblr-2965	185	28	funds	fund	NOUN
cblr-2965	185	29	.	.	PUNCT
cblr-2965	186	1	implicit	implicit	ADJ
cblr-2965	186	2	in	in	ADP
cblr-2965	186	3	these	these	DET
cblr-2965	186	4	statements	statement	NOUN
cblr-2965	186	5	is	be	AUX
cblr-2965	186	6	some	some	DET
cblr-2965	186	7	recognition	recognition	NOUN
cblr-2965	186	8	of	of	ADP
cblr-2965	186	9	investors	investor	NOUN
cblr-2965	186	10	'	'	PART
cblr-2965	186	11	limitations	limitation	NOUN
cblr-2965	186	12	.	.	PUNCT
cblr-2965	187	1	this	this	DET
cblr-2965	187	2	part	part	NOUN
cblr-2965	187	3	presents	present	VERB
cblr-2965	187	4	the	the	DET
cblr-2965	187	5	profile	profile	NOUN
cblr-2965	187	6	of	of	ADP
cblr-2965	187	7	mutual	mutual	ADJ
cblr-2965	187	8	fund	fund	NOUN
cblr-2965	187	9	investors	investor	NOUN
cblr-2965	187	10	as	as	SCONJ
cblr-2965	187	11	advanced	advance	VERB
cblr-2965	187	12	by	by	ADP
cblr-2965	187	13	the	the	DET
cblr-2965	187	14	ici	ici	NOUN
cblr-2965	187	15	.	.	PUNCT
cblr-2965	188	1	it	it	PRON
cblr-2965	188	2	is	be	AUX
cblr-2965	188	3	noteworthy	noteworthy	ADJ
cblr-2965	188	4	that	that	SCONJ
cblr-2965	188	5	,	,	PUNCT
cblr-2965	188	6	in	in	ADP
cblr-2965	188	7	developing	develop	VERB
cblr-2965	188	8	this	this	DET
cblr-2965	188	9	portrait	portrait	NOUN
cblr-2965	188	10	,	,	PUNCT
cblr-2965	188	11	the	the	DET
cblr-2965	188	12	ici	ici	NOUN
cblr-2965	188	13	relies	rely	VERB
cblr-2965	188	14	almost	almost	ADV
cblr-2965	188	15	exclusively	exclusively	ADV
cblr-2965	188	16	on	on	ADP
cblr-2965	188	17	its	its	PRON
cblr-2965	188	18	own	own	ADJ
cblr-2965	188	19	studies	study	NOUN
cblr-2965	188	20	,	,	PUNCT
cblr-2965	188	21	without	without	ADP
cblr-2965	188	22	reference	reference	NOUN
cblr-2965	188	23	to	to	ADP
cblr-2965	188	24	academic	academic	ADJ
cblr-2965	188	25	studies	study	NOUN
cblr-2965	188	26	of	of	ADP
cblr-2965	188	27	fund	fund	NOUN
cblr-2965	188	28	investor	investor	NOUN
cblr-2965	188	29	knowledge	knowledge	NOUN
cblr-2965	188	30	and	and	CCONJ
cblr-2965	188	31	behavior	behavior	NOUN
cblr-2965	188	32	.	.	PUNCT
cblr-2965	189	1	a.	a.	PROPN
cblr-2965	189	2	ici	ici	PROPN
cblr-2965	189	3	survey	survey	PROPN
cblr-2965	189	4	of	of	ADP
cblr-2965	189	5	(	(	PUNCT
cblr-2965	189	6	some	some	PRON
cblr-2965	189	7	)	)	PUNCT
cblr-2965	189	8	fund	fund	NOUN
cblr-2965	189	9	investors	investor	NOUN
cblr-2965	189	10	in	in	ADP
cblr-2965	189	11	2006	2006	NUM
cblr-2965	189	12	,	,	PUNCT
cblr-2965	189	13	the	the	DET
cblr-2965	189	14	ici	ici	NOUN
cblr-2965	189	15	"	"	PUNCT
cblr-2965	189	16	undertook	undertake	VERB
cblr-2965	189	17	a	a	DET
cblr-2965	189	18	comprehensive	comprehensive	ADJ
cblr-2965	189	19	study	study	NOUN
cblr-2965	189	20	...	...	PUNCT
cblr-2965	189	21	to	to	PART
cblr-2965	189	22	identify	identify	VERB
cblr-2965	189	23	the	the	DET
cblr-2965	189	24	information	information	NOUN
cblr-2965	189	25	needs	need	NOUN
cblr-2965	189	26	of	of	ADP
cblr-2965	189	27	mutual	mutual	ADJ
cblr-2965	189	28	fund	fund	NOUN
cblr-2965	189	29	investors	investor	NOUN
cblr-2965	189	30	and	and	CCONJ
cblr-2965	189	31	the	the	DET
cblr-2965	189	32	sources	source	NOUN
cblr-2965	189	33	from	from	ADP
cblr-2965	189	34	which	which	PRON
cblr-2965	189	35	they	they	PRON
cblr-2965	189	36	obtain	obtain	VERB
cblr-2965	189	37	that	that	DET
cblr-2965	189	38	information	information	NOUN
cblr-2965	189	39	.	.	PUNCT
cblr-2965	190	1	"31	"31	X
cblr-2965	191	1	the	the	DET
cblr-2965	191	2	study	study	NOUN
cblr-2965	191	3	consisted	consist	VERB
cblr-2965	191	4	of	of	ADP
cblr-2965	191	5	in	in	ADP
cblr-2965	191	6	-	-	PUNCT
cblr-2965	191	7	home	home	NOUN
cblr-2965	191	8	interviews	interview	NOUN
cblr-2965	191	9	of	of	ADP
cblr-2965	191	10	737	737	NUM
cblr-2965	191	11	randomlyselected	randomlyselecte	VERB
cblr-2965	191	12	mutual	mutual	ADJ
cblr-2965	191	13	fund	fund	NOUN
cblr-2965	191	14	investors	investor	NOUN
cblr-2965	191	15	who	who	PRON
cblr-2965	191	16	had	have	AUX
cblr-2965	191	17	bought	buy	VERB
cblr-2965	191	18	-	-	PUNCT
cblr-2965	191	19	outside	outside	NOUN
cblr-2965	191	20	of	of	ADP
cblr-2965	191	21	a	a	DET
cblr-2965	191	22	work	work	NOUN
cblr-2965	191	23	-	-	PUNCT
cblr-2965	191	24	related	relate	VERB
cblr-2965	191	25	retirement	retirement	NOUN
cblr-2965	191	26	plan	plan	NOUN
cblr-2965	191	27	-	-	PUNCT
cblr-2965	191	28	a	a	DET
cblr-2965	191	29	stock	stock	NOUN
cblr-2965	191	30	,	,	PUNCT
cblr-2965	191	31	bond	bond	NOUN
cblr-2965	191	32	,	,	PUNCT
cblr-2965	191	33	or	or	CCONJ
cblr-2965	191	34	hybrid	hybrid	NOUN
cblr-2965	191	35	fund	fund	NOUN
cblr-2965	191	36	that	that	PRON
cblr-2965	191	37	they	they	PRON
cblr-2965	191	38	did	do	AUX
cblr-2965	191	39	not	not	PART
cblr-2965	191	40	own	own	VERB
cblr-2965	191	41	prior	prior	ADV
cblr-2965	191	42	to	to	ADP
cblr-2965	191	43	2001.32	2001.32	NUM
cblr-2965	191	44	the	the	DET
cblr-2965	191	45	study	study	NOUN
cblr-2965	191	46	excluded	exclude	VERB
cblr-2965	191	47	mutual	mutual	ADJ
cblr-2965	191	48	fund	fund	NOUN
cblr-2965	191	49	investors	investor	NOUN
cblr-2965	191	50	who	who	PRON
cblr-2965	191	51	purchased	purchase	VERB
cblr-2965	191	52	only	only	ADV
cblr-2965	191	53	money	money	NOUN
cblr-2965	191	54	market	market	NOUN
cblr-2965	191	55	funds	fund	NOUN
cblr-2965	191	56	,	,	PUNCT
cblr-2965	191	57	who	who	PRON
cblr-2965	191	58	had	have	AUX
cblr-2965	191	59	only	only	ADV
cblr-2965	191	60	added	add	VERB
cblr-2965	191	61	to	to	ADP
cblr-2965	191	62	an	an	DET
cblr-2965	191	63	already	already	ADV
cblr-2965	191	64	-	-	PUNCT
cblr-2965	191	65	owned	own	VERB
cblr-2965	191	66	fund	fund	NOUN
cblr-2965	191	67	,	,	PUNCT
cblr-2965	191	68	or	or	CCONJ
cblr-2965	191	69	who	who	PRON
cblr-2965	191	70	'	'	VERB
cblr-2965	191	71	investment	investment	NOUN
cblr-2965	191	72	company	company	NOUN
cblr-2965	191	73	institute	institute	NOUN
cblr-2965	191	74	,	,	PUNCT
cblr-2965	191	75	understanding	understand	VERB
cblr-2965	191	76	investor	investor	NOUN
cblr-2965	191	77	preferences	preference	NOUN
cblr-2965	191	78	for	for	ADP
cblr-2965	191	79	mutual	mutual	ADJ
cblr-2965	191	80	fund	fund	NOUN
cblr-2965	191	81	information	information	NOUN
cblr-2965	191	82	1	1	NUM
cblr-2965	191	83	(	(	PUNCT
cblr-2965	191	84	aug	aug	PROPN
cblr-2965	191	85	.	.	PROPN
cblr-2965	191	86	2006	2006	NUM
cblr-2965	191	87	)	)	PUNCT
cblr-2965	191	88	,	,	PUNCT
cblr-2965	191	89	http://ici.org/pdf/rpt-06-inv-prefs-full.pdf	http://ici.org/pdf/rpt-06-inv-prefs-full.pdf	PROPN
cblr-2965	191	90	(	(	PUNCT
cblr-2965	191	91	last	last	ADV
cblr-2965	191	92	visited	visit	VERB
cblr-2965	191	93	dec	dec	PROPN
cblr-2965	191	94	.	.	PROPN
cblr-2965	191	95	3	3	NUM
cblr-2965	191	96	,	,	PUNCT
cblr-2965	191	97	2008	2008	NUM
cblr-2965	191	98	)	)	PUNCT
cblr-2965	192	1	[	[	X
cblr-2965	192	2	hereinafter	hereinafter	NOUN
cblr-2965	192	3	ici	ici	NOUN
cblr-2965	192	4	,	,	PUNCT
cblr-2965	192	5	investor	investor	NOUN
cblr-2965	192	6	preferences	preference	NOUN
cblr-2965	192	7	]	]	PUNCT
cblr-2965	192	8	.	.	PUNCT
cblr-2965	192	9	"	"	PUNCT
cblr-2965	193	1	i	i	PRON
cblr-2965	193	2	d.	d.	PROPN
cblr-2965	193	3	at	at	ADP
cblr-2965	193	4	1	1	NUM
cblr-2965	193	5	.	.	PUNCT
cblr-2965	194	1	the	the	DET
cblr-2965	194	2	survey	survey	NOUN
cblr-2965	194	3	was	be	AUX
cblr-2965	194	4	conducted	conduct	VERB
cblr-2965	194	5	by	by	ADP
cblr-2965	194	6	gfk	gfk	PROPN
cblr-2965	194	7	nop	nop	PROPN
cblr-2965	194	8	,	,	PUNCT
cblr-2965	194	9	an	an	DET
cblr-2965	194	10	independent	independent	ADJ
cblr-2965	194	11	research	research	NOUN
cblr-2965	194	12	firm	firm	NOUN
cblr-2965	194	13	.	.	PUNCT
cblr-2965	195	1	[	[	X
cblr-2965	195	2	vol	vol	NOUN
cblr-2965	195	3	.	.	NOUN
cblr-2965	195	4	2008	2008	NUM
cblr-2965	195	5	had	have	AUX
cblr-2965	195	6	purchased	purchase	VERB
cblr-2965	195	7	funds	fund	NOUN
cblr-2965	195	8	only	only	ADV
cblr-2965	195	9	through	through	ADP
cblr-2965	195	10	a	a	DET
cblr-2965	195	11	401(k	401(k	PROPN
cblr-2965	195	12	)	)	PUNCT
cblr-2965	195	13	or	or	CCONJ
cblr-2965	195	14	similar	similar	ADJ
cblr-2965	195	15	workrelated	workrelate	VERB
cblr-2965	195	16	plan.3	plan.3	NOUN
cblr-2965	195	17	1	1	NUM
cblr-2965	195	18	.	.	PUNCT
cblr-2965	196	1	survey	survey	NOUN
cblr-2965	196	2	findings	finding	VERB
cblr-2965	196	3	a	a	DET
cblr-2965	196	4	"	"	PUNCT
cblr-2965	196	5	key	key	ADJ
cblr-2965	196	6	finding	finding	NOUN
cblr-2965	196	7	"	"	PUNCT
cblr-2965	196	8	of	of	ADP
cblr-2965	196	9	the	the	DET
cblr-2965	196	10	survey	survey	NOUN
cblr-2965	196	11	,	,	PUNCT
cblr-2965	196	12	according	accord	VERB
cblr-2965	196	13	to	to	ADP
cblr-2965	196	14	the	the	DET
cblr-2965	196	15	ici	ici	NOUN
cblr-2965	196	16	,	,	PUNCT
cblr-2965	196	17	is	be	AUX
cblr-2965	196	18	that	that	SCONJ
cblr-2965	196	19	investors	investor	NOUN
cblr-2965	196	20	"	"	PUNCT
cblr-2965	196	21	consider	consider	VERB
cblr-2965	196	22	a	a	DET
cblr-2965	196	23	wide	wide	ADJ
cblr-2965	196	24	range	range	NOUN
cblr-2965	196	25	of	of	ADP
cblr-2965	196	26	information	information	NOUN
cblr-2965	196	27	before	before	ADP
cblr-2965	196	28	purchasing	purchase	VERB
cblr-2965	196	29	mutual	mutual	ADJ
cblr-2965	196	30	fund	fund	NOUN
cblr-2965	196	31	shares	share	NOUN
cblr-2965	196	32	[	[	X
cblr-2965	196	33	and	and	CCONJ
cblr-2965	196	34	]	]	PUNCT
cblr-2965	196	35	most	most	ADV
cblr-2965	196	36	frequently	frequently	ADV
cblr-2965	196	37	review	review	VERB
cblr-2965	196	38	or	or	CCONJ
cblr-2965	196	39	ask	ask	VERB
cblr-2965	196	40	questions	question	NOUN
cblr-2965	196	41	about	about	ADP
cblr-2965	196	42	a	a	DET
cblr-2965	196	43	fund	fund	NOUN
cblr-2965	196	44	's	's	PART
cblr-2965	196	45	fees	fee	NOUN
cblr-2965	196	46	and	and	CCONJ
cblr-2965	196	47	expenses	expense	NOUN
cblr-2965	196	48	and	and	CCONJ
cblr-2965	196	49	its	its	PRON
cblr-2965	196	50	historical	historical	ADJ
cblr-2965	196	51	performance	performance	NOUN
cblr-2965	196	52	.	.	PUNCT
cblr-2965	196	53	"	"	PUNCT
cblr-2965	197	1	34	34	NUM
cblr-2965	197	2	indeed	indeed	ADV
cblr-2965	197	3	,	,	PUNCT
cblr-2965	197	4	74	74	NUM
cblr-2965	197	5	%	%	NOUN
cblr-2965	197	6	of	of	ADP
cblr-2965	197	7	those	those	PRON
cblr-2965	197	8	surveyed	survey	VERB
cblr-2965	197	9	stated	state	VERB
cblr-2965	197	10	that	that	SCONJ
cblr-2965	197	11	they	they	PRON
cblr-2965	197	12	review	review	VERB
cblr-2965	197	13	a	a	DET
cblr-2965	197	14	fund	fund	NOUN
cblr-2965	197	15	's	's	PART
cblr-2965	197	16	fees	fee	NOUN
cblr-2965	197	17	and	and	CCONJ
cblr-2965	197	18	expenses	expense	NOUN
cblr-2965	197	19	before	before	ADP
cblr-2965	197	20	investing	invest	VERB
cblr-2965	197	21	.	.	PUNCT
cblr-2965	198	1	the	the	DET
cblr-2965	198	2	second	second	ADJ
cblr-2965	198	3	most	most	ADV
cblr-2965	198	4	reviewed	review	VERB
cblr-2965	198	5	information	information	NOUN
cblr-2965	198	6	is	be	AUX
cblr-2965	198	7	the	the	DET
cblr-2965	198	8	fund	fund	NOUN
cblr-2965	198	9	's	's	PART
cblr-2965	198	10	"	"	PUNCT
cblr-2965	198	11	historical	historical	ADJ
cblr-2965	198	12	performance	performance	NOUN
cblr-2965	198	13	,	,	PUNCT
cblr-2965	198	14	"	"	PUNCT
cblr-2965	198	15	which	which	PRON
cblr-2965	198	16	69	69	NUM
cblr-2965	198	17	%	%	NOUN
cblr-2965	198	18	of	of	ADP
cblr-2965	198	19	surveyed	survey	VERB
cblr-2965	198	20	investors	investor	NOUN
cblr-2965	198	21	stated	state	VERB
cblr-2965	198	22	they	they	PRON
cblr-2965	198	23	review	review	VERB
cblr-2965	198	24	,	,	PUNCT
cblr-2965	198	25	and	and	CCONJ
cblr-2965	198	26	the	the	DET
cblr-2965	198	27	third	third	NOUN
cblr-2965	198	28	is	be	AUX
cblr-2965	198	29	the	the	DET
cblr-2965	198	30	"	"	PUNCT
cblr-2965	198	31	fund	fund	NOUN
cblr-2965	198	32	risks	risk	NOUN
cblr-2965	198	33	,	,	PUNCT
cblr-2965	198	34	"	"	PUNCT
cblr-2965	198	35	which	which	PRON
cblr-2965	198	36	61	61	NUM
cblr-2965	198	37	%	%	NOUN
cblr-2965	198	38	said	say	VERB
cblr-2965	198	39	they	they	PRON
cblr-2965	198	40	review	review	VERB
cblr-2965	198	41	.	.	PUNCT
cblr-2965	199	1	6	6	NUM
cblr-2965	199	2	a	a	DET
cblr-2965	199	3	second	second	ADJ
cblr-2965	199	4	"	"	PUNCT
cblr-2965	199	5	key	key	ADJ
cblr-2965	199	6	finding	finding	NOUN
cblr-2965	199	7	"	"	PUNCT
cblr-2965	199	8	of	of	ADP
cblr-2965	199	9	the	the	DET
cblr-2965	199	10	ici	ici	NOUN
cblr-2965	199	11	survey	survey	NOUN
cblr-2965	199	12	was	be	AUX
cblr-2965	199	13	that	that	SCONJ
cblr-2965	199	14	"	"	PUNCT
cblr-2965	199	15	[	[	PUNCT
cblr-2965	199	16	s]hareholders	s]hareholder	NOUN
cblr-2965	199	17	consult	consult	VERB
cblr-2965	199	18	a	a	DET
cblr-2965	199	19	variety	variety	NOUN
cblr-2965	199	20	of	of	ADP
cblr-2965	199	21	sources	source	NOUN
cblr-2965	199	22	for	for	ADP
cblr-2965	199	23	mutual	mutual	ADJ
cblr-2965	199	24	fund	fund	NOUN
cblr-2965	199	25	information	information	NOUN
cblr-2965	199	26	before	before	ADP
cblr-2965	199	27	and	and	CCONJ
cblr-2965	199	28	after	after	ADP
cblr-2965	199	29	purchasing	purchase	VERB
cblr-2965	199	30	shares	share	NOUN
cblr-2965	199	31	,	,	PUNCT
cblr-2965	199	32	and	and	CCONJ
cblr-2965	199	33	one	one	NUM
cblr-2965	199	34	of	of	ADP
cblr-2965	199	35	these	these	DET
cblr-2965	199	36	sources	source	NOUN
cblr-2965	199	37	is	be	AUX
cblr-2965	199	38	usually	usually	ADV
cblr-2965	199	39	a	a	DET
cblr-2965	199	40	professional	professional	ADJ
cblr-2965	199	41	financial	financial	ADJ
cblr-2965	199	42	adviser	adviser	NOUN
cblr-2965	199	43	.	.	PUNCT
cblr-2965	200	1	shareholders	shareholder	NOUN
cblr-2965	200	2	primarily	primarily	ADV
cblr-2965	200	3	turn	turn	VERB
cblr-2965	200	4	to	to	ADP
cblr-2965	200	5	advisers	adviser	NOUN
cblr-2965	200	6	for	for	ADP
cblr-2965	200	7	assistance	assistance	NOUN
cblr-2965	200	8	in	in	ADP
cblr-2965	200	9	understanding	understanding	NOUN
cblr-2965	200	10	and	and	CCONJ
cblr-2965	200	11	interpreting	interpret	VERB
cblr-2965	200	12	fund	fund	NOUN
cblr-2965	200	13	information	information	NOUN
cblr-2965	200	14	.	.	PUNCT
cblr-2965	201	1	37	37	NUM
cblr-2965	201	2	investors	investor	NOUN
cblr-2965	201	3	reported	report	VERB
cblr-2965	201	4	consulting	consult	VERB
cblr-2965	201	5	an	an	DET
cblr-2965	201	6	average	average	NOUN
cblr-2965	201	7	of	of	ADP
cblr-2965	201	8	three	three	NUM
cblr-2965	201	9	sources	source	NOUN
cblr-2965	201	10	before	before	ADP
cblr-2965	201	11	buying	buy	VERB
cblr-2965	201	12	a	a	DET
cblr-2965	201	13	fund	fund	NOUN
cblr-2965	201	14	.	.	PUNCT
cblr-2965	202	1	8	8	NUM
cblr-2965	202	2	financial	financial	ADJ
cblr-2965	202	3	advisers	adviser	NOUN
cblr-2965	202	4	were	be	AUX
cblr-2965	202	5	,	,	PUNCT
cblr-2965	202	6	by	by	ADP
cblr-2965	202	7	far	far	ADV
cblr-2965	202	8	,	,	PUNCT
cblr-2965	202	9	investors	investor	NOUN
cblr-2965	202	10	'	'	PART
cblr-2965	202	11	most	most	ADV
cblr-2965	202	12	consulted	consult	VERB
cblr-2965	202	13	source	source	NOUN
cblr-2965	202	14	of	of	ADP
cblr-2965	202	15	information	information	NOUN
cblr-2965	202	16	,	,	PUNCT
cblr-2965	202	17	with	with	ADP
cblr-2965	202	18	73	73	NUM
cblr-2965	202	19	%	%	NOUN
cblr-2965	202	20	of	of	ADP
cblr-2965	202	21	those	those	PRON
cblr-2965	202	22	surveyed	survey	VERB
cblr-2965	202	23	reporting	report	VERB
cblr-2965	202	24	that	that	SCONJ
cblr-2965	202	25	they	they	PRON
cblr-2965	202	26	consulted	consult	VERB
cblr-2965	202	27	"	"	PUNCT
cblr-2965	202	28	professional	professional	ADJ
cblr-2965	202	29	financial	financial	ADJ
cblr-2965	202	30	advisers	adviser	NOUN
cblr-2965	202	31	"	"	PUNCT
cblr-2965	202	32	before	before	ADP
cblr-2965	202	33	buying	buy	VERB
cblr-2965	202	34	a	a	DET
cblr-2965	202	35	mutual	mutual	ADJ
cblr-2965	202	36	fund.3	fund.3	NOUN
cblr-2965	202	37	9	9	NUM
cblr-2965	202	38	the	the	DET
cblr-2965	202	39	next	next	ADJ
cblr-2965	202	40	most	most	ADV
cblr-2965	202	41	consulted	consult	VERB
cblr-2965	202	42	sources	source	NOUN
cblr-2965	202	43	were	be	AUX
cblr-2965	202	44	"	"	PUNCT
cblr-2965	202	45	[	[	X
cblr-2965	202	46	flund	flund	ADJ
cblr-2965	202	47	company	company	NOUN
cblr-2965	202	48	or	or	CCONJ
cblr-2965	202	49	other	other	ADJ
cblr-2965	202	50	websites	website	NOUN
cblr-2965	202	51	"	"	PUNCT
cblr-2965	202	52	(	(	PUNCT
cblr-2965	202	53	46	46	NUM
cblr-2965	202	54	%	%	NOUN
cblr-2965	202	55	)	)	PUNCT
cblr-2965	202	56	and	and	CCONJ
cblr-2965	202	57	"	"	PUNCT
cblr-2965	202	58	[	[	X
cblr-2965	202	59	firiends	firiend	NOUN
cblr-2965	202	60	,	,	PUNCT
cblr-2965	202	61	family	family	NOUN
cblr-2965	202	62	,	,	PUNCT
cblr-2965	202	63	or	or	CCONJ
cblr-2965	202	64	business	business	NOUN
cblr-2965	202	65	associates	associate	NOUN
cblr-2965	202	66	"	"	PUNCT
cblr-2965	202	67	(	(	PUNCT
cblr-2965	202	68	40%).40	40%).40	NOUN
cblr-2965	202	69	'	'	NOUN
cblr-2965	202	70	3	3	NUM
cblr-2965	202	71	i	i	NOUN
cblr-2965	202	72	d.	d.	PROPN
cblr-2965	202	73	at	at	ADP
cblr-2965	202	74	1	1	NUM
cblr-2965	202	75	n.2	n.2	NOUN
cblr-2965	202	76	.	.	PROPN
cblr-2965	203	1	34	34	NUM
cblr-2965	204	1	i	i	PRON
cblr-2965	204	2	d.	d.	PROPN
cblr-2965	204	3	at	at	ADP
cblr-2965	204	4	1	1	NUM
cblr-2965	204	5	.	.	PUNCT
cblr-2965	204	6	"	"	PUNCT
cblr-2965	205	1	i	i	PRON
cblr-2965	205	2	d.	d.	VERB
cblr-2965	205	3	at	at	ADP
cblr-2965	205	4	3	3	NUM
cblr-2965	205	5	fig.1	fig.1	PROPN
cblr-2965	205	6	.	.	PUNCT
cblr-2965	206	1	36	36	NUM
cblr-2965	207	1	i	i	PRON
cblr-2965	207	2	d.	d.	PROPN
cblr-2965	207	3	37	37	NUM
cblr-2965	208	1	i	i	PRON
cblr-2965	208	2	d.	d.	PROPN
cblr-2965	208	3	at	at	ADP
cblr-2965	208	4	1	1	NUM
cblr-2965	208	5	.	.	PUNCT
cblr-2965	209	1	"	"	PUNCT
cblr-2965	209	2	3	3	NUM
cblr-2965	209	3	i	i	PROPN
cblr-2965	209	4	d.	d.	NOUN
cblr-2965	209	5	at	at	ADP
cblr-2965	209	6	4	4	NUM
cblr-2965	209	7	fig.2	fig.2	PROPN
cblr-2965	209	8	.	.	PUNCT
cblr-2965	210	1	39	39	NUM
cblr-2965	211	1	i	i	PRON
cblr-2965	211	2	d.	d.	PROPN
cblr-2965	211	3	40	40	NUM
cblr-2965	212	1	i	i	PRON
cblr-2965	212	2	d.	d.	PROPN
cblr-2965	212	3	no	no	INTJ
cblr-2965	212	4	.	.	PUNCT
cblr-2965	213	1	3:9341	3:9341	NUM
cblr-2965	213	2	mutual	mutual	ADJ
cblr-2965	213	3	fund	fund	NOUN
cblr-2965	213	4	investors	investors	PROPN
cblr-2965	213	5	columbia	columbia	PROPN
cblr-2965	213	6	business	business	PROPN
cblr-2965	213	7	law	law	PROPN
cblr-2965	213	8	review	review	NOUN
cblr-2965	213	9	2	2	NUM
cblr-2965	213	10	.	.	X
cblr-2965	213	11	summary	summary	NOUN
cblr-2965	213	12	and	and	CCONJ
cblr-2965	213	13	analysis	analysis	NOUN
cblr-2965	213	14	the	the	DET
cblr-2965	213	15	ici	ici	PROPN
cblr-2965	213	16	survey	survey	NOUN
cblr-2965	213	17	paints	paint	VERB
cblr-2965	213	18	a	a	DET
cblr-2965	213	19	very	very	ADV
cblr-2965	213	20	favorable	favorable	ADJ
cblr-2965	213	21	portrait	portrait	NOUN
cblr-2965	213	22	of	of	ADP
cblr-2965	213	23	mutual	mutual	ADJ
cblr-2965	213	24	fund	fund	NOUN
cblr-2965	213	25	investors	investor	NOUN
cblr-2965	213	26	.	.	PUNCT
cblr-2965	214	1	according	accord	VERB
cblr-2965	214	2	to	to	ADP
cblr-2965	214	3	the	the	DET
cblr-2965	214	4	survey	survey	NOUN
cblr-2965	214	5	,	,	PUNCT
cblr-2965	214	6	before	before	ADP
cblr-2965	214	7	choosing	choose	VERB
cblr-2965	214	8	a	a	DET
cblr-2965	214	9	mutual	mutual	ADJ
cblr-2965	214	10	fund	fund	NOUN
cblr-2965	214	11	,	,	PUNCT
cblr-2965	214	12	investors	investor	NOUN
cblr-2965	214	13	obtain	obtain	VERB
cblr-2965	214	14	essential	essential	ADJ
cblr-2965	214	15	fund	fund	NOUN
cblr-2965	214	16	information	information	NOUN
cblr-2965	214	17	,	,	PUNCT
cblr-2965	214	18	such	such	ADJ
cblr-2965	214	19	as	as	ADP
cblr-2965	214	20	costs	cost	NOUN
cblr-2965	214	21	,	,	PUNCT
cblr-2965	214	22	returns	return	NOUN
cblr-2965	214	23	,	,	PUNCT
cblr-2965	214	24	and	and	CCONJ
cblr-2965	214	25	risks	risk	NOUN
cblr-2965	214	26	,	,	PUNCT
cblr-2965	214	27	and	and	CCONJ
cblr-2965	214	28	they	they	PRON
cblr-2965	214	29	usually	usually	ADV
cblr-2965	214	30	are	be	AUX
cblr-2965	214	31	assisted	assist	VERB
cblr-2965	214	32	by	by	ADP
cblr-2965	214	33	professional	professional	ADJ
cblr-2965	214	34	financial	financial	ADJ
cblr-2965	214	35	advisers	adviser	NOUN
cblr-2965	214	36	.	.	PUNCT
cblr-2965	215	1	if	if	SCONJ
cblr-2965	215	2	this	this	DET
cblr-2965	215	3	profile	profile	NOUN
cblr-2965	215	4	is	be	AUX
cblr-2965	215	5	accurate	accurate	ADJ
cblr-2965	215	6	,	,	PUNCT
cblr-2965	215	7	it	it	PRON
cblr-2965	215	8	suggests	suggest	VERB
cblr-2965	215	9	that	that	SCONJ
cblr-2965	215	10	investors	investor	NOUN
cblr-2965	215	11	have	have	VERB
cblr-2965	215	12	the	the	DET
cblr-2965	215	13	acumen	acuman	NOUN
cblr-2965	215	14	and	and	CCONJ
cblr-2965	215	15	knowledge	knowledge	NOUN
cblr-2965	215	16	to	to	PART
cblr-2965	215	17	provide	provide	VERB
cblr-2965	215	18	market	market	NOUN
cblr-2965	215	19	discipline	discipline	NOUN
cblr-2965	215	20	over	over	ADP
cblr-2965	215	21	mutual	mutual	ADJ
cblr-2965	215	22	funds	fund	NOUN
cblr-2965	215	23	.	.	PUNCT
cblr-2965	216	1	the	the	DET
cblr-2965	216	2	ici	ici	PROPN
cblr-2965	216	3	survey	survey	NOUN
cblr-2965	216	4	,	,	PUNCT
cblr-2965	216	5	however	however	ADV
cblr-2965	216	6	,	,	PUNCT
cblr-2965	216	7	may	may	AUX
cblr-2965	216	8	be	be	AUX
cblr-2965	216	9	of	of	ADP
cblr-2965	216	10	limited	limited	ADJ
cblr-2965	216	11	value	value	NOUN
cblr-2965	216	12	.	.	PUNCT
cblr-2965	217	1	it	it	PRON
cblr-2965	217	2	only	only	ADV
cblr-2965	217	3	surveyed	survey	VERB
cblr-2965	217	4	investors	investor	NOUN
cblr-2965	217	5	who	who	PRON
cblr-2965	217	6	own	own	VERB
cblr-2965	217	7	funds	fund	NOUN
cblr-2965	217	8	outside	outside	ADV
cblr-2965	217	9	of	of	ADP
cblr-2965	217	10	employersponsored	employersponsored	ADJ
cblr-2965	217	11	plans	plan	NOUN
cblr-2965	217	12	,	,	PUNCT
cblr-2965	217	13	thus	thus	ADV
cblr-2965	217	14	missing	miss	VERB
cblr-2965	217	15	a	a	DET
cblr-2965	217	16	large	large	ADJ
cblr-2965	217	17	and	and	CCONJ
cblr-2965	217	18	growing	grow	VERB
cblr-2965	217	19	number	number	NOUN
cblr-2965	217	20	of	of	ADP
cblr-2965	217	21	fund	fund	NOUN
cblr-2965	217	22	investors	investor	NOUN
cblr-2965	217	23	who	who	PRON
cblr-2965	217	24	only	only	ADV
cblr-2965	217	25	own	own	VERB
cblr-2965	217	26	funds	fund	NOUN
cblr-2965	217	27	inside	inside	ADP
cblr-2965	217	28	such	such	ADJ
cblr-2965	217	29	plans	plan	NOUN
cblr-2965	217	30	.	.	PUNCT
cblr-2965	218	1	moreover	moreover	ADV
cblr-2965	218	2	,	,	PUNCT
cblr-2965	218	3	most	most	ADJ
cblr-2965	218	4	of	of	ADP
cblr-2965	218	5	the	the	DET
cblr-2965	218	6	surveyed	survey	VERB
cblr-2965	218	7	investors	investor	NOUN
cblr-2965	218	8	reported	report	VERB
cblr-2965	218	9	using	use	VERB
cblr-2965	218	10	financial	financial	ADJ
cblr-2965	218	11	advisers	adviser	NOUN
cblr-2965	218	12	,	,	PUNCT
cblr-2965	218	13	a	a	DET
cblr-2965	218	14	resource	resource	NOUN
cblr-2965	218	15	often	often	ADV
cblr-2965	218	16	unavailable	unavailable	ADJ
cblr-2965	218	17	with	with	ADP
cblr-2965	218	18	employer	employer	NOUN
cblr-2965	218	19	-	-	PUNCT
cblr-2965	218	20	sponsored	sponsor	VERB
cblr-2965	218	21	plans	plan	NOUN
cblr-2965	218	22	.	.	PUNCT
cblr-2965	219	1	also	also	ADV
cblr-2965	219	2	,	,	PUNCT
cblr-2965	219	3	the	the	DET
cblr-2965	219	4	survey	survey	NOUN
cblr-2965	219	5	relied	rely	VERB
cblr-2965	219	6	upon	upon	SCONJ
cblr-2965	219	7	investors	investor	NOUN
cblr-2965	219	8	to	to	PART
cblr-2965	219	9	accurately	accurately	ADV
cblr-2965	219	10	self	self	NOUN
cblr-2965	219	11	-	-	PUNCT
cblr-2965	219	12	report	report	VERB
cblr-2965	219	13	their	their	PRON
cblr-2965	219	14	own	own	ADJ
cblr-2965	219	15	behavior	behavior	NOUN
cblr-2965	219	16	in	in	ADP
cblr-2965	219	17	faceto	faceto	NOUN
cblr-2965	219	18	-	-	PUNCT
cblr-2965	219	19	face	face	NOUN
cblr-2965	219	20	interviews	interview	NOUN
cblr-2965	219	21	.	.	PUNCT
cblr-2965	220	1	respondents	respondent	NOUN
cblr-2965	220	2	predictably	predictably	ADV
cblr-2965	220	3	may	may	AUX
cblr-2965	220	4	have	have	AUX
cblr-2965	220	5	given	give	VERB
cblr-2965	220	6	what	what	PRON
cblr-2965	220	7	they	they	PRON
cblr-2965	220	8	saw	see	VERB
cblr-2965	220	9	as	as	ADP
cblr-2965	220	10	the	the	DET
cblr-2965	220	11	right	right	ADJ
cblr-2965	220	12	answer	answer	NOUN
cblr-2965	220	13	,	,	PUNCT
cblr-2965	220	14	not	not	PART
cblr-2965	220	15	necessarily	necessarily	ADV
cblr-2965	220	16	the	the	DET
cblr-2965	220	17	truthful	truthful	ADJ
cblr-2965	220	18	one	one	NOUN
cblr-2965	220	19	.	.	PUNCT
cblr-2965	221	1	for	for	ADP
cblr-2965	221	2	example	example	NOUN
cblr-2965	221	3	,	,	PUNCT
cblr-2965	221	4	an	an	DET
cblr-2965	221	5	investor	investor	NOUN
cblr-2965	221	6	who	who	PRON
cblr-2965	221	7	admits	admit	VERB
cblr-2965	221	8	to	to	ADP
cblr-2965	221	9	buying	buy	VERB
cblr-2965	221	10	a	a	DET
cblr-2965	221	11	fund	fund	NOUN
cblr-2965	221	12	without	without	ADP
cblr-2965	221	13	examining	examine	VERB
cblr-2965	221	14	its	its	PRON
cblr-2965	221	15	fees	fee	NOUN
cblr-2965	221	16	and	and	CCONJ
cblr-2965	221	17	expenses	expense	NOUN
cblr-2965	221	18	(	(	PUNCT
cblr-2965	221	19	the	the	DET
cblr-2965	221	20	price	price	NOUN
cblr-2965	221	21	for	for	ADP
cblr-2965	221	22	investing	invest	VERB
cblr-2965	221	23	in	in	ADP
cblr-2965	221	24	the	the	DET
cblr-2965	221	25	fund	fund	NOUN
cblr-2965	221	26	)	)	PUNCT
cblr-2965	221	27	is	be	AUX
cblr-2965	221	28	admitting	admit	VERB
cblr-2965	221	29	to	to	ADP
cblr-2965	221	30	buying	buy	VERB
cblr-2965	221	31	a	a	DET
cblr-2965	221	32	service	service	NOUN
cblr-2965	221	33	without	without	ADP
cblr-2965	221	34	considering	consider	VERB
cblr-2965	221	35	the	the	DET
cblr-2965	221	36	price	price	NOUN
cblr-2965	221	37	.	.	PUNCT
cblr-2965	222	1	it	it	PRON
cblr-2965	222	2	is	be	AUX
cblr-2965	222	3	well	well	ADV
cblr-2965	222	4	-	-	PUNCT
cblr-2965	222	5	known	know	VERB
cblr-2965	222	6	that	that	SCONJ
cblr-2965	222	7	survey	survey	NOUN
cblr-2965	222	8	respondents	respondent	NOUN
cblr-2965	222	9	often	often	ADV
cblr-2965	222	10	lie	lie	VERB
cblr-2965	222	11	to	to	PART
cblr-2965	222	12	avoid	avoid	VERB
cblr-2965	222	13	embarrassing	embarrass	VERB
cblr-2965	222	14	themselves.4	themselves.4	PROPN
cblr-2965	222	15	'	'	PUNCT
cblr-2965	222	16	b.	b.	NOUN
cblr-2965	222	17	ici	ici	PROPN
cblr-2965	222	18	statements	statement	NOUN
cblr-2965	222	19	regarding	regard	VERB
cblr-2965	222	20	fund	fund	NOUN
cblr-2965	222	21	investors	investor	NOUN
cblr-2965	222	22	the	the	DET
cblr-2965	222	23	ici	ici	NOUN
cblr-2965	222	24	has	have	AUX
cblr-2965	222	25	also	also	ADV
cblr-2965	222	26	explicitly	explicitly	ADV
cblr-2965	222	27	and	and	CCONJ
cblr-2965	222	28	implicitly	implicitly	ADV
cblr-2965	222	29	profiled	profile	VERB
cblr-2965	222	30	mutual	mutual	ADJ
cblr-2965	222	31	fund	fund	NOUN
cblr-2965	222	32	investors	investor	NOUN
cblr-2965	222	33	in	in	ADP
cblr-2965	222	34	other	other	ADJ
cblr-2965	222	35	publications	publication	NOUN
cblr-2965	222	36	and	and	CCONJ
cblr-2965	222	37	in	in	ADP
cblr-2965	222	38	statements	statement	NOUN
cblr-2965	222	39	by	by	ADP
cblr-2965	222	40	its	its	PRON
cblr-2965	222	41	officials	official	NOUN
cblr-2965	222	42	.	.	PUNCT
cblr-2965	223	1	in	in	ADP
cblr-2965	223	2	addition	addition	NOUN
cblr-2965	223	3	,	,	PUNCT
cblr-2965	223	4	as	as	ADP
cblr-2965	223	5	the	the	DET
cblr-2965	223	6	national	national	PROPN
cblr-2965	223	7	trade	trade	PROPN
cblr-2965	223	8	association	association	PROPN
cblr-2965	223	9	for	for	ADP
cblr-2965	223	10	the	the	DET
cblr-2965	223	11	mutual	mutual	ADJ
cblr-2965	223	12	fund	fund	NOUN
cblr-2965	223	13	industry	industry	NOUN
cblr-2965	223	14	,	,	PUNCT
cblr-2965	223	15	the	the	DET
cblr-2965	223	16	ici	ici	NOUN
cblr-2965	223	17	regularly	regularly	ADV
cblr-2965	223	18	sends	send	VERB
cblr-2965	223	19	comment	comment	NOUN
cblr-2965	223	20	41	41	NUM
cblr-2965	223	21	see	see	NOUN
cblr-2965	223	22	,	,	PUNCT
cblr-2965	223	23	e.g.	e.g.	ADV
cblr-2965	223	24	,	,	PUNCT
cblr-2965	223	25	carl	carl	PROPN
cblr-2965	223	26	bialik	bialik	PROPN
cblr-2965	223	27	,	,	PUNCT
cblr-2965	223	28	when	when	SCONJ
cblr-2965	223	29	it	it	PRON
cblr-2965	223	30	comes	come	VERB
cblr-2965	223	31	to	to	ADP
cblr-2965	223	32	donations	donation	NOUN
cblr-2965	223	33	,	,	PUNCT
cblr-2965	223	34	polls	poll	NOUN
cblr-2965	223	35	do	do	AUX
cblr-2965	223	36	n't	not	PART
cblr-2965	223	37	tell	tell	VERB
cblr-2965	223	38	the	the	DET
cblr-2965	223	39	whole	whole	ADJ
cblr-2965	223	40	story	story	NOUN
cblr-2965	223	41	,	,	PUNCT
cblr-2965	223	42	wall	wall	PROPN
cblr-2965	223	43	st	st	PROPN
cblr-2965	223	44	.	.	PROPN
cblr-2965	223	45	j.	j.	PROPN
cblr-2965	223	46	online	online	PROPN
cblr-2965	223	47	,	,	PUNCT
cblr-2965	223	48	feb	feb	PROPN
cblr-2965	223	49	.	.	PROPN
cblr-2965	223	50	11	11	NUM
cblr-2965	223	51	.	.	X
cblr-2965	223	52	2005	2005	NUM
cblr-2965	223	53	,	,	PUNCT
cblr-2965	223	54	http://online.wsj.com/public/article/sb	http://online.wsj.com/public/article/sb	PROPN
cblr-2965	223	55	110806528683351584.html?mod	110806528683351584.html?mod	NUM
cblr-2965	223	56	=	=	NUM
cblr-2965	223	57	blogs	blog	NOUN
cblr-2965	223	58	(	(	PUNCT
cblr-2965	223	59	discussing	discuss	VERB
cblr-2965	223	60	examples	example	NOUN
cblr-2965	223	61	of	of	ADP
cblr-2965	223	62	when	when	SCONJ
cblr-2965	223	63	survey	survey	NOUN
cblr-2965	223	64	respondents	respondent	NOUN
cblr-2965	223	65	have	have	AUX
cblr-2965	223	66	lied	lie	VERB
cblr-2965	223	67	and	and	CCONJ
cblr-2965	223	68	quoting	quote	VERB
cblr-2965	223	69	jeffrey	jeffrey	PROPN
cblr-2965	223	70	m.	m.	PROPN
cblr-2965	223	71	jones	jones	PROPN
cblr-2965	223	72	,	,	PUNCT
cblr-2965	223	73	managing	manage	VERB
cblr-2965	223	74	editor	editor	NOUN
cblr-2965	223	75	of	of	ADP
cblr-2965	223	76	the	the	DET
cblr-2965	223	77	gallup	gallup	PROPN
cblr-2965	223	78	poll	poll	NOUN
cblr-2965	223	79	,	,	PUNCT
cblr-2965	223	80	as	as	ADP
cblr-2965	223	81	explaining	explain	VERB
cblr-2965	223	82	that	that	SCONJ
cblr-2965	223	83	"	"	PUNCT
cblr-2965	223	84	[	[	X
cblr-2965	223	85	t]he	t]he	X
cblr-2965	223	86	[	[	X
cblr-2965	223	87	survey	survey	NOUN
cblr-2965	223	88	]	]	PUNCT
cblr-2965	223	89	interview	interview	NOUN
cblr-2965	223	90	is	be	AUX
cblr-2965	223	91	a	a	DET
cblr-2965	223	92	social	social	ADJ
cblr-2965	223	93	experience	experience	NOUN
cblr-2965	223	94	....	....	PUNCT
cblr-2965	224	1	as	as	SCONJ
cblr-2965	224	2	would	would	AUX
cblr-2965	224	3	be	be	AUX
cblr-2965	224	4	the	the	DET
cblr-2965	224	5	case	case	NOUN
cblr-2965	224	6	in	in	ADP
cblr-2965	224	7	a	a	DET
cblr-2965	224	8	cocktail	cocktail	NOUN
cblr-2965	224	9	party	party	NOUN
cblr-2965	224	10	or	or	CCONJ
cblr-2965	224	11	at	at	ADP
cblr-2965	224	12	a	a	DET
cblr-2965	224	13	job	job	NOUN
cblr-2965	224	14	interview	interview	NOUN
cblr-2965	224	15	,	,	PUNCT
cblr-2965	224	16	you	you	PRON
cblr-2965	224	17	want	want	VERB
cblr-2965	224	18	to	to	PART
cblr-2965	224	19	give	give	VERB
cblr-2965	224	20	a	a	DET
cblr-2965	224	21	good	good	ADJ
cblr-2965	224	22	impression	impression	NOUN
cblr-2965	224	23	of	of	ADP
cblr-2965	224	24	yourself	yourself	PRON
cblr-2965	224	25	.	.	PUNCT
cblr-2965	224	26	"	"	PUNCT
cblr-2965	224	27	)	)	PUNCT
cblr-2965	224	28	.	.	PUNCT
cblr-2965	225	1	[	[	X
cblr-2965	225	2	vol	vol	NOUN
cblr-2965	225	3	.	.	NOUN
cblr-2965	225	4	2008	2008	NUM
cblr-2965	225	5	mutual	mutual	ADJ
cblr-2965	225	6	fund	fund	NOUN
cblr-2965	225	7	investors	investor	NOUN
cblr-2965	225	8	letters	letter	NOUN
cblr-2965	225	9	to	to	ADP
cblr-2965	225	10	the	the	DET
cblr-2965	225	11	sec	sec	PROPN
cblr-2965	225	12	regarding	regard	VERB
cblr-2965	225	13	proposed	propose	VERB
cblr-2965	225	14	mutual	mutual	ADJ
cblr-2965	225	15	fund	fund	NOUN
cblr-2965	225	16	rules.42	rules.42	NOUN
cblr-2965	225	17	the	the	DET
cblr-2965	225	18	comment	comment	NOUN
cblr-2965	225	19	letters	letter	NOUN
cblr-2965	225	20	often	often	ADV
cblr-2965	225	21	state	state	VERB
cblr-2965	225	22	or	or	CCONJ
cblr-2965	225	23	reflect	reflect	VERB
cblr-2965	225	24	the	the	DET
cblr-2965	225	25	ici	ici	NOUN
cblr-2965	225	26	's	's	PART
cblr-2965	225	27	view	view	NOUN
cblr-2965	225	28	of	of	ADP
cblr-2965	225	29	mutual	mutual	ADJ
cblr-2965	225	30	fund	fund	NOUN
cblr-2965	225	31	investors	investor	NOUN
cblr-2965	225	32	.	.	PUNCT
cblr-2965	226	1	as	as	ADP
cblr-2965	226	2	a	a	DET
cblr-2965	226	3	whole	whole	NOUN
cblr-2965	226	4	,	,	PUNCT
cblr-2965	226	5	these	these	DET
cblr-2965	226	6	publications	publication	NOUN
cblr-2965	226	7	,	,	PUNCT
cblr-2965	226	8	statements	statement	NOUN
cblr-2965	226	9	,	,	PUNCT
cblr-2965	226	10	and	and	CCONJ
cblr-2965	226	11	comment	comment	NOUN
cblr-2965	226	12	letters	letter	NOUN
cblr-2965	226	13	present	present	VERB
cblr-2965	226	14	a	a	DET
cblr-2965	226	15	portrait	portrait	NOUN
cblr-2965	226	16	of	of	ADP
cblr-2965	226	17	mutual	mutual	ADJ
cblr-2965	226	18	fund	fund	NOUN
cblr-2965	226	19	investors	investor	NOUN
cblr-2965	226	20	who	who	PRON
cblr-2965	226	21	place	place	VERB
cblr-2965	226	22	great	great	ADJ
cblr-2965	226	23	emphasis	emphasis	NOUN
cblr-2965	226	24	on	on	ADP
cblr-2965	226	25	fund	fund	NOUN
cblr-2965	226	26	fees	fee	NOUN
cblr-2965	226	27	and	and	CCONJ
cblr-2965	226	28	expenses	expense	NOUN
cblr-2965	226	29	when	when	SCONJ
cblr-2965	226	30	choosing	choose	VERB
cblr-2965	226	31	among	among	ADP
cblr-2965	226	32	mutual	mutual	ADJ
cblr-2965	226	33	funds	fund	NOUN
cblr-2965	226	34	,	,	PUNCT
cblr-2965	226	35	thus	thus	ADV
cblr-2965	226	36	creating	create	VERB
cblr-2965	226	37	a	a	DET
cblr-2965	226	38	competitive	competitive	ADJ
cblr-2965	226	39	fund	fund	NOUN
cblr-2965	226	40	market	market	NOUN
cblr-2965	226	41	that	that	PRON
cblr-2965	226	42	disciplines	discipline	VERB
cblr-2965	226	43	the	the	DET
cblr-2965	226	44	industry	industry	NOUN
cblr-2965	226	45	.	.	PUNCT
cblr-2965	227	1	in	in	ADP
cblr-2965	227	2	addition	addition	NOUN
cblr-2965	227	3	,	,	PUNCT
cblr-2965	227	4	the	the	DET
cblr-2965	227	5	ici	ici	NOUN
cblr-2965	227	6	has	have	AUX
cblr-2965	227	7	portrayed	portray	VERB
cblr-2965	227	8	investors	investor	NOUN
cblr-2965	227	9	as	as	ADP
cblr-2965	227	10	having	have	VERB
cblr-2965	227	11	available	available	ADJ
cblr-2965	227	12	to	to	ADP
cblr-2965	227	13	them	they	PRON
cblr-2965	227	14	-	-	PUNCT
cblr-2965	227	15	and	and	CCONJ
cblr-2965	227	16	using	use	VERB
cblr-2965	227	17	-	-	PUNCT
cblr-2965	227	18	a	a	DET
cblr-2965	227	19	great	great	ADJ
cblr-2965	227	20	deal	deal	NOUN
cblr-2965	227	21	of	of	ADP
cblr-2965	227	22	information	information	NOUN
cblr-2965	227	23	about	about	ADP
cblr-2965	227	24	funds	fund	NOUN
cblr-2965	227	25	when	when	SCONJ
cblr-2965	227	26	making	make	VERB
cblr-2965	227	27	their	their	PRON
cblr-2965	227	28	fund	fund	NOUN
cblr-2965	227	29	choices	choice	NOUN
cblr-2965	227	30	.	.	PUNCT
cblr-2965	228	1	1	1	X
cblr-2965	228	2	.	.	X
cblr-2965	228	3	investors	investor	NOUN
cblr-2965	228	4	are	be	AUX
cblr-2965	228	5	sensitive	sensitive	ADJ
cblr-2965	228	6	to	to	PART
cblr-2965	228	7	fund	fund	VERB
cblr-2965	228	8	costs	cost	NOUN
cblr-2965	228	9	the	the	DET
cblr-2965	228	10	ici	ici	NOUN
cblr-2965	228	11	frequently	frequently	ADV
cblr-2965	228	12	asserts	assert	VERB
cblr-2965	228	13	that	that	SCONJ
cblr-2965	228	14	investors	investor	NOUN
cblr-2965	228	15	search	search	VERB
cblr-2965	228	16	for	for	ADP
cblr-2965	228	17	funds	fund	NOUN
cblr-2965	228	18	with	with	ADP
cblr-2965	228	19	low	low	ADJ
cblr-2965	228	20	fees	fee	NOUN
cblr-2965	228	21	and	and	CCONJ
cblr-2965	228	22	expenses	expense	NOUN
cblr-2965	228	23	.	.	PUNCT
cblr-2965	229	1	for	for	ADP
cblr-2965	229	2	example	example	NOUN
cblr-2965	229	3	,	,	PUNCT
cblr-2965	229	4	paul	paul	PROPN
cblr-2965	229	5	schott	schott	PROPN
cblr-2965	229	6	stevens	stevens	PROPN
cblr-2965	229	7	,	,	PUNCT
cblr-2965	229	8	the	the	DET
cblr-2965	229	9	president	president	NOUN
cblr-2965	229	10	and	and	CCONJ
cblr-2965	229	11	ceo	ceo	NOUN
cblr-2965	229	12	of	of	ADP
cblr-2965	229	13	the	the	DET
cblr-2965	229	14	ici	ici	NOUN
cblr-2965	229	15	,	,	PUNCT
cblr-2965	229	16	recently	recently	ADV
cblr-2965	229	17	stated	state	VERB
cblr-2965	229	18	that	that	SCONJ
cblr-2965	229	19	"	"	PUNCT
cblr-2965	229	20	investors	investor	NOUN
cblr-2965	229	21	tend	tend	VERB
cblr-2965	229	22	to	to	PART
cblr-2965	229	23	seek	seek	VERB
cblr-2965	229	24	out	out	ADP
cblr-2965	229	25	lower	low	ADJ
cblr-2965	229	26	-	-	PUNCT
cblr-2965	229	27	cost	cost	NOUN
cblr-2965	229	28	funds	fund	NOUN
cblr-2965	229	29	.	.	PUNCT
cblr-2965	230	1	"43	"43	PUNCT
cblr-2965	231	1	as	as	ADP
cblr-2965	231	2	evidence	evidence	NOUN
cblr-2965	231	3	of	of	ADP
cblr-2965	231	4	investors	investor	NOUN
cblr-2965	231	5	'	'	PART
cblr-2965	231	6	preference	preference	NOUN
cblr-2965	231	7	for	for	ADP
cblr-2965	231	8	low	low	ADJ
cblr-2965	231	9	fees	fee	NOUN
cblr-2965	231	10	.	.	PUNCT
cblr-2965	232	1	and	and	CCONJ
cblr-2965	232	2	expenses	expense	NOUN
cblr-2965	232	3	,	,	PUNCT
cblr-2965	232	4	the	the	DET
cblr-2965	232	5	ici	ici	NOUN
cblr-2965	232	6	has	have	AUX
cblr-2965	232	7	pointed	point	VERB
cblr-2965	232	8	out	out	ADP
cblr-2965	232	9	that	that	SCONJ
cblr-2965	232	10	investors	investor	NOUN
cblr-2965	232	11	are	be	AUX
cblr-2965	232	12	heavily	heavily	ADV
cblr-2965	232	13	invested	invest	VERB
cblr-2965	232	14	in	in	ADP
cblr-2965	232	15	lower	low	ADJ
cblr-2965	232	16	-	-	PUNCT
cblr-2965	232	17	cost	cost	NOUN
cblr-2965	232	18	funds	fund	NOUN
cblr-2965	232	19	.	.	PUNCT
cblr-2965	233	1	in	in	ADP
cblr-2965	233	2	its	its	PRON
cblr-2965	233	3	study	study	NOUN
cblr-2965	233	4	of	of	ADP
cblr-2965	233	5	competition	competition	NOUN
cblr-2965	233	6	in	in	ADP
cblr-2965	233	7	the	the	DET
cblr-2965	233	8	mutual	mutual	ADJ
cblr-2965	233	9	fund	fund	NOUN
cblr-2965	233	10	industry	industry	NOUN
cblr-2965	233	11	,	,	PUNCT
cblr-2965	233	12	the	the	DET
cblr-2965	233	13	ici	ici	NOUN
cblr-2965	233	14	concluded	conclude	VERB
cblr-2965	233	15	that	that	SCONJ
cblr-2965	233	16	"	"	PUNCT
cblr-2965	233	17	[	[	PUNCT
cblr-2965	233	18	miore	miore	NOUN
cblr-2965	233	19	than	than	SCONJ
cblr-2965	233	20	three	three	NUM
cblr-2965	233	21	-	-	PUNCT
cblr-2965	233	22	quarters	quarter	NOUN
cblr-2965	233	23	of	of	ADP
cblr-2965	233	24	stock	stock	NOUN
cblr-2965	233	25	and	and	CCONJ
cblr-2965	233	26	bond	bond	NOUN
cblr-2965	233	27	fund	fund	NOUN
cblr-2965	233	28	assets	asset	NOUN
cblr-2965	233	29	are	be	AUX
cblr-2965	233	30	invested	invest	VERB
cblr-2965	233	31	in	in	ADP
cblr-2965	233	32	funds	fund	NOUN
cblr-2965	233	33	charging	charge	VERB
cblr-2965	233	34	below	below	ADP
cblr-2965	233	35	-	-	PUNCT
cblr-2965	233	36	average	average	NOUN
cblr-2965	233	37	operational	operational	ADJ
cblr-2965	233	38	and	and	CCONJ
cblr-2965	233	39	management	management	NOUN
cblr-2965	233	40	expenses	expense	NOUN
cblr-2965	233	41	....	....	PUNCT
cblr-2965	233	42	"	"	PUNCT
cblr-2965	233	43	,	,	PUNCT
cblr-2965	233	44	,	,	PUNCT
cblr-2965	233	45	4	4	NUM
cblr-2965	233	46	in	in	ADP
cblr-2965	233	47	addition	addition	NOUN
cblr-2965	233	48	,	,	PUNCT
cblr-2965	233	49	a	a	DET
cblr-2965	233	50	2005	2005	NUM
cblr-2965	233	51	ici	ici	NOUN
cblr-2965	233	52	study	study	NOUN
cblr-2965	233	53	described	describe	VERB
cblr-2965	233	54	a	a	DET
cblr-2965	233	55	25	25	NUM
cblr-2965	233	56	-	-	PUNCT
cblr-2965	233	57	year	year	NOUN
cblr-2965	233	58	trend	trend	NOUN
cblr-2965	233	59	of	of	ADP
cblr-2965	233	60	declining	decline	VERB
cblr-2965	233	61	fund	fund	NOUN
cblr-2965	233	62	fees	fee	NOUN
cblr-2965	233	63	and	and	CCONJ
cblr-2965	233	64	expenses	expense	NOUN
cblr-2965	233	65	.	.	PUNCT
cblr-2965	234	1	the	the	DET
cblr-2965	234	2	ici	ici	PROPN
cblr-2965	234	3	study	study	NOUN
cblr-2965	234	4	found	find	VERB
cblr-2965	234	5	that	that	SCONJ
cblr-2965	234	6	investors	investor	NOUN
cblr-2965	234	7	paid	pay	VERB
cblr-2965	234	8	on	on	ADP
cblr-2965	234	9	42	42	NUM
cblr-2965	234	10	before	before	SCONJ
cblr-2965	234	11	the	the	DET
cblr-2965	234	12	sec	sec	PROPN
cblr-2965	234	13	adopts	adopt	VERB
cblr-2965	234	14	new	new	ADJ
cblr-2965	234	15	regulations	regulation	NOUN
cblr-2965	234	16	of	of	ADP
cblr-2965	234	17	mutual	mutual	ADJ
cblr-2965	234	18	funds	fund	NOUN
cblr-2965	234	19	,	,	PUNCT
cblr-2965	234	20	it	it	PRON
cblr-2965	234	21	seeks	seek	VERB
cblr-2965	234	22	public	public	ADJ
cblr-2965	234	23	input	input	NOUN
cblr-2965	234	24	.	.	PUNCT
cblr-2965	235	1	the	the	DET
cblr-2965	235	2	sec	sec	PROPN
cblr-2965	235	3	publishes	publish	VERB
cblr-2965	235	4	the	the	DET
cblr-2965	235	5	proposed	propose	VERB
cblr-2965	235	6	regulation	regulation	NOUN
cblr-2965	235	7	in	in	ADP
cblr-2965	235	8	the	the	DET
cblr-2965	235	9	federal	federal	ADJ
cblr-2965	235	10	register	register	NOUN
cblr-2965	235	11	and	and	CCONJ
cblr-2965	235	12	asks	ask	VERB
cblr-2965	235	13	the	the	DET
cblr-2965	235	14	public	public	NOUN
cblr-2965	235	15	to	to	PART
cblr-2965	235	16	comment	comment	VERB
cblr-2965	235	17	on	on	ADP
cblr-2965	235	18	the	the	DET
cblr-2965	235	19	proposal	proposal	NOUN
cblr-2965	235	20	.	.	PUNCT
cblr-2965	236	1	the	the	DET
cblr-2965	236	2	sec	sec	PROPN
cblr-2965	236	3	typically	typically	ADV
cblr-2965	236	4	responds	respond	VERB
cblr-2965	236	5	in	in	ADP
cblr-2965	236	6	the	the	DET
cblr-2965	236	7	federal	federal	ADJ
cblr-2965	236	8	register	register	NOUN
cblr-2965	236	9	to	to	ADP
cblr-2965	236	10	these	these	DET
cblr-2965	236	11	comments	comment	NOUN
cblr-2965	236	12	and	and	CCONJ
cblr-2965	236	13	sometimes	sometimes	ADV
cblr-2965	236	14	even	even	ADV
cblr-2965	236	15	modifies	modify	VERB
cblr-2965	236	16	or	or	CCONJ
cblr-2965	236	17	retracts	retract	VERB
cblr-2965	236	18	the	the	DET
cblr-2965	236	19	proposal	proposal	NOUN
cblr-2965	236	20	in	in	ADP
cblr-2965	236	21	light	light	NOUN
cblr-2965	236	22	of	of	ADP
cblr-2965	236	23	the	the	DET
cblr-2965	236	24	comments	comment	NOUN
cblr-2965	236	25	.	.	PUNCT
cblr-2965	236	26	'	'	PUNCT
cblr-2965	237	1	statement	statement	NOUN
cblr-2965	237	2	by	by	ADP
cblr-2965	237	3	paul	paul	PROPN
cblr-2965	237	4	schott	schott	PROPN
cblr-2965	237	5	stevens	stevens	PROPN
cblr-2965	237	6	,	,	PUNCT
cblr-2965	237	7	president	president	NOUN
cblr-2965	237	8	,	,	PUNCT
cblr-2965	237	9	investment	investment	NOUN
cblr-2965	237	10	company	company	NOUN
cblr-2965	237	11	institute	institute	PROPN
cblr-2965	237	12	,	,	PUNCT
cblr-2965	237	13	ici	ici	PROPN
cblr-2965	237	14	welcomes	welcome	VERB
cblr-2965	237	15	efforts	effort	NOUN
cblr-2965	237	16	to	to	PART
cblr-2965	237	17	improve	improve	VERB
cblr-2965	237	18	401(k	401(k	PROPN
cblr-2965	237	19	)	)	PUNCT
cblr-2965	237	20	disclosure	disclosure	NOUN
cblr-2965	237	21	(	(	PUNCT
cblr-2965	237	22	mar	mar	PROPN
cblr-2965	237	23	.	.	PROPN
cblr-2965	237	24	7	7	NUM
cblr-2965	237	25	,	,	PUNCT
cblr-2965	237	26	2007	2007	NUM
cblr-2965	237	27	)	)	PUNCT
cblr-2965	237	28	,	,	PUNCT
cblr-2965	238	1	http://www.ici.org/statements/nr/2007/07_news_401k	http://www.ici.org/statements/nr/2007/07_news_401k	PROPN
cblr-2965	238	2	_	_	PRON
cblr-2965	238	3	hrg.html#topofpage	hrg.html#topofpage	NOUN
cblr-2965	238	4	(	(	PUNCT
cblr-2965	238	5	last	last	ADV
cblr-2965	238	6	visited	visit	VERB
cblr-2965	238	7	dec	dec	PROPN
cblr-2965	238	8	.	.	PROPN
cblr-2965	238	9	3	3	NUM
cblr-2965	238	10	,	,	PUNCT
cblr-2965	238	11	2008	2008	NUM
cblr-2965	238	12	)	)	PUNCT
cblr-2965	238	13	.	.	PUNCT
cblr-2965	239	1	investment	investment	NOUN
cblr-2965	239	2	company	company	PROPN
cblr-2965	239	3	institute	institute	PROPN
cblr-2965	239	4	,	,	PUNCT
cblr-2965	239	5	research	research	NOUN
cblr-2965	239	6	commentary	commentary	NOUN
cblr-2965	239	7	:	:	PUNCT
cblr-2965	239	8	competition	competition	NOUN
cblr-2965	239	9	in	in	ADP
cblr-2965	239	10	the	the	DET
cblr-2965	239	11	mutual	mutual	ADJ
cblr-2965	239	12	fund	fund	NOUN
cblr-2965	239	13	business	business	NOUN
cblr-2965	239	14	1	1	NUM
cblr-2965	239	15	(	(	PUNCT
cblr-2965	239	16	2006	2006	NUM
cblr-2965	239	17	)	)	PUNCT
cblr-2965	239	18	,	,	PUNCT
cblr-2965	239	19	available	available	ADJ
cblr-2965	239	20	at	at	ADP
cblr-2965	239	21	http://www.ici.org/stats/res/rc-competition.pdf	http://www.ici.org/stats/res/rc-competition.pdf	PROPN
cblr-2965	239	22	[	[	X
cblr-2965	239	23	hereinafter	hereinafter	NOUN
cblr-2965	239	24	ici	ici	NOUN
cblr-2965	239	25	,	,	PUNCT
cblr-2965	239	26	competition	competition	NOUN
cblr-2965	239	27	]	]	PUNCT
cblr-2965	239	28	.	.	PUNCT
cblr-2965	240	1	no	no	INTJ
cblr-2965	240	2	.	.	PUNCT
cblr-2965	241	1	3:934	3:934	X
cblr-2965	241	2	]	]	X
cblr-2965	241	3	columbia	columbia	PROPN
cblr-2965	241	4	business	business	PROPN
cblr-2965	241	5	la	la	PROPN
cblr-2965	241	6	w	w	PROPN
cblr-2965	241	7	review	review	PROPN
cblr-2965	241	8	average	average	ADJ
cblr-2965	241	9	113	113	NUM
cblr-2965	241	10	basis	basis	NOUN
cblr-2965	241	11	points45	points45	NOUN
cblr-2965	241	12	to	to	PART
cblr-2965	241	13	invest	invest	VERB
cblr-2965	241	14	in	in	ADP
cblr-2965	241	15	stock	stock	NOUN
cblr-2965	241	16	funds	fund	NOUN
cblr-2965	241	17	,	,	PUNCT
cblr-2965	241	18	90	90	NUM
cblr-2965	241	19	basis	basis	NOUN
cblr-2965	241	20	points	point	NOUN
cblr-2965	241	21	for	for	ADP
cblr-2965	241	22	bond	bond	NOUN
cblr-2965	241	23	funds	fund	NOUN
cblr-2965	241	24	,	,	PUNCT
cblr-2965	241	25	and	and	CCONJ
cblr-2965	241	26	41	41	NUM
cblr-2965	241	27	basis	basis	NOUN
cblr-2965	241	28	points	point	NOUN
cblr-2965	241	29	for	for	ADP
cblr-2965	241	30	money	money	NOUN
cblr-2965	241	31	market	market	NOUN
cblr-2965	241	32	funds	fund	NOUN
cblr-2965	241	33	-	-	PUNCT
cblr-2965	241	34	the	the	DET
cblr-2965	241	35	lowest	low	ADJ
cblr-2965	241	36	cost	cost	NOUN
cblr-2965	241	37	levels	level	NOUN
cblr-2965	241	38	for	for	ADP
cblr-2965	241	39	each	each	DET
cblr-2965	241	40	class	class	NOUN
cblr-2965	241	41	of	of	ADP
cblr-2965	241	42	fund	fund	NOUN
cblr-2965	241	43	in	in	ADP
cblr-2965	241	44	more	more	ADJ
cblr-2965	241	45	than	than	ADP
cblr-2965	241	46	25	25	NUM
cblr-2965	241	47	years.46	years.46	NOUN
cblr-2965	241	48	the	the	DET
cblr-2965	241	49	ici	ici	NOUN
cblr-2965	241	50	regularly	regularly	ADV
cblr-2965	241	51	claims	claim	VERB
cblr-2965	241	52	that	that	SCONJ
cblr-2965	241	53	cost	cost	NOUN
cblr-2965	241	54	-	-	PUNCT
cblr-2965	241	55	sensitive	sensitive	ADJ
cblr-2965	241	56	investors	investor	NOUN
cblr-2965	241	57	impose	impose	VERB
cblr-2965	241	58	a	a	DET
cblr-2965	241	59	strong	strong	ADJ
cblr-2965	241	60	market	market	NOUN
cblr-2965	241	61	discipline	discipline	NOUN
cblr-2965	241	62	on	on	ADP
cblr-2965	241	63	mutual	mutual	ADJ
cblr-2965	241	64	funds	fund	NOUN
cblr-2965	241	65	.	.	PUNCT
cblr-2965	242	1	for	for	ADP
cblr-2965	242	2	example	example	NOUN
cblr-2965	242	3	,	,	PUNCT
cblr-2965	242	4	in	in	ADP
cblr-2965	242	5	a	a	DET
cblr-2965	242	6	recent	recent	ADJ
cblr-2965	242	7	publication	publication	NOUN
cblr-2965	242	8	on	on	ADP
cblr-2965	242	9	competition	competition	NOUN
cblr-2965	242	10	in	in	ADP
cblr-2965	242	11	the	the	DET
cblr-2965	242	12	mutual	mutual	ADJ
cblr-2965	242	13	fund	fund	NOUN
cblr-2965	242	14	industry	industry	NOUN
cblr-2965	242	15	,	,	PUNCT
cblr-2965	242	16	the	the	DET
cblr-2965	242	17	ici	ici	NOUN
cblr-2965	242	18	stated	state	VERB
cblr-2965	242	19	that	that	SCONJ
cblr-2965	242	20	"	"	PUNCT
cblr-2965	242	21	[	[	X
cblr-2965	242	22	t]he	t]he	ADV
cblr-2965	242	23	90	90	NUM
cblr-2965	242	24	million	million	NUM
cblr-2965	242	25	fund	fund	NOUN
cblr-2965	242	26	shareholders	shareholder	NOUN
cblr-2965	242	27	'	'	PART
cblr-2965	242	28	demand	demand	NOUN
cblr-2965	242	29	for	for	ADP
cblr-2965	242	30	investment	investment	NOUN
cblr-2965	242	31	performance	performance	NOUN
cblr-2965	242	32	and	and	CCONJ
cblr-2965	242	33	services	service	NOUN
cblr-2965	242	34	at	at	ADP
cblr-2965	242	35	a	a	DET
cblr-2965	242	36	competitive	competitive	ADJ
cblr-2965	242	37	level	level	NOUN
cblr-2965	242	38	of	of	ADP
cblr-2965	242	39	fees	fee	NOUN
cblr-2965	242	40	and	and	CCONJ
cblr-2965	242	41	expenses	expense	NOUN
cblr-2965	242	42	continuously	continuously	ADV
cblr-2965	242	43	impacts	impact	VERB
cblr-2965	242	44	mutual	mutual	ADJ
cblr-2965	242	45	funds	fund	NOUN
cblr-2965	242	46	.	.	PUNCT
cblr-2965	243	1	"4	"4	ADJ
cblr-2965	243	2	"	"	PUNCT
cblr-2965	243	3	similarly	similarly	ADV
cblr-2965	243	4	,	,	PUNCT
cblr-2965	243	5	the	the	DET
cblr-2965	243	6	ici	ici	NOUN
cblr-2965	243	7	noted	note	VERB
cblr-2965	243	8	that	that	SCONJ
cblr-2965	243	9	"	"	PUNCT
cblr-2965	243	10	[	[	PUNCT
cblr-2965	243	11	i]ncreased	i]ncreased	ADJ
cblr-2965	243	12	investor	investor	NOUN
cblr-2965	243	13	demand	demand	NOUN
cblr-2965	243	14	for	for	ADP
cblr-2965	243	15	low	low	ADJ
cblr-2965	243	16	-	-	PUNCT
cblr-2965	243	17	cost	cost	NOUN
cblr-2965	243	18	funds	fund	NOUN
cblr-2965	243	19	accounted	account	VERB
cblr-2965	243	20	for	for	ADP
cblr-2965	243	21	more	more	ADJ
cblr-2965	243	22	than	than	ADP
cblr-2965	243	23	half	half	NOUN
cblr-2965	243	24	of	of	ADP
cblr-2965	243	25	the	the	DET
cblr-2965	243	26	decline	decline	NOUN
cblr-2965	243	27	in	in	ADP
cblr-2965	243	28	the	the	DET
cblr-2965	243	29	assetweighted	assetweighte	VERB
cblr-2965	243	30	average	average	ADJ
cblr-2965	243	31	expense	expense	NOUN
cblr-2965	243	32	ratio	ratio	NOUN
cblr-2965	243	33	[	[	X
cblr-2965	243	34	in	in	ADP
cblr-2965	243	35	20051."48	20051."48	NUM
cblr-2965	243	36	ici	ici	NOUN
cblr-2965	243	37	officials	official	NOUN
cblr-2965	243	38	echo	echo	VERB
cblr-2965	243	39	this	this	DET
cblr-2965	243	40	view	view	NOUN
cblr-2965	243	41	.	.	PUNCT
cblr-2965	244	1	for	for	ADP
cblr-2965	244	2	example	example	NOUN
cblr-2965	244	3	,	,	PUNCT
cblr-2965	244	4	john	john	PROPN
cblr-2965	244	5	murphy	murphy	PROPN
cblr-2965	244	6	,	,	PUNCT
cblr-2965	244	7	the	the	DET
cblr-2965	244	8	general	general	ADJ
cblr-2965	244	9	membership	membership	NOUN
cblr-2965	244	10	meeting	meeting	NOUN
cblr-2965	244	11	chairman	chairman	NOUN
cblr-2965	244	12	of	of	ADP
cblr-2965	244	13	the	the	DET
cblr-2965	244	14	ici	ici	NOUN
cblr-2965	244	15	,	,	PUNCT
cblr-2965	244	16	recently	recently	ADV
cblr-2965	244	17	stated	state	VERB
cblr-2965	244	18	that	that	SCONJ
cblr-2965	244	19	:	:	PUNCT
cblr-2965	244	20	[	[	X
cblr-2965	244	21	t]he	t]he	ADV
cblr-2965	244	22	free	free	ADJ
cblr-2965	244	23	market	market	NOUN
cblr-2965	244	24	still	still	ADV
cblr-2965	244	25	reigns	reign	VERB
cblr-2965	244	26	as	as	ADP
cblr-2965	244	27	the	the	DET
cblr-2965	244	28	most	most	ADV
cblr-2965	244	29	powerful	powerful	ADJ
cblr-2965	244	30	source	source	NOUN
cblr-2965	244	31	of	of	ADP
cblr-2965	244	32	accountability	accountability	NOUN
cblr-2965	244	33	.	.	PUNCT
cblr-2965	245	1	market	market	NOUN
cblr-2965	245	2	competition	competition	NOUN
cblr-2965	245	3	offers	offer	VERB
cblr-2965	245	4	a	a	DET
cblr-2965	245	5	strict	strict	ADJ
cblr-2965	245	6	,	,	PUNCT
cblr-2965	245	7	comprehensive	comprehensive	ADJ
cblr-2965	245	8	,	,	PUNCT
cblr-2965	245	9	and	and	CCONJ
cblr-2965	245	10	daily	daily	ADJ
cblr-2965	245	11	form	form	NOUN
cblr-2965	245	12	of	of	ADP
cblr-2965	245	13	discipline	discipline	NOUN
cblr-2965	245	14	.	.	PUNCT
cblr-2965	246	1	the	the	DET
cblr-2965	246	2	score	score	NOUN
cblr-2965	246	3	on	on	ADP
cblr-2965	246	4	funds	fund	NOUN
cblr-2965	246	5	is	be	AUX
cblr-2965	246	6	printed	print	VERB
cblr-2965	246	7	in	in	ADP
cblr-2965	246	8	the	the	DET
cblr-2965	246	9	paper	paper	NOUN
cblr-2965	246	10	and	and	CCONJ
cblr-2965	246	11	on	on	ADP
cblr-2965	246	12	the	the	DET
cblr-2965	246	13	internet	internet	NOUN
cblr-2965	246	14	every	every	DET
cblr-2965	246	15	day	day	NOUN
cblr-2965	246	16	.	.	PUNCT
cblr-2965	247	1	mutual	mutual	ADJ
cblr-2965	247	2	fund	fund	NOUN
cblr-2965	247	3	managers	manager	NOUN
cblr-2965	247	4	know	know	VERB
cblr-2965	247	5	that	that	SCONJ
cblr-2965	247	6	unhappy	unhappy	ADJ
cblr-2965	247	7	investors	investor	NOUN
cblr-2965	247	8	are	be	AUX
cblr-2965	247	9	never	never	ADV
cblr-2965	247	10	more	more	ADJ
cblr-2965	247	11	than	than	ADP
cblr-2965	247	12	a	a	DET
cblr-2965	247	13	phone	phone	NOUN
cblr-2965	247	14	4	4	NUM
cblr-2965	247	15	a	a	DET
cblr-2965	247	16	basis	basis	NOUN
cblr-2965	247	17	point	point	NOUN
cblr-2965	247	18	is	be	AUX
cblr-2965	247	19	0.01	0.01	NUM
cblr-2965	247	20	%	%	NOUN
cblr-2965	247	21	of	of	ADP
cblr-2965	247	22	the	the	DET
cblr-2965	247	23	fund	fund	NOUN
cblr-2965	247	24	's	's	PART
cblr-2965	247	25	assets	asset	NOUN
cblr-2965	247	26	.	.	PUNCT
cblr-2965	248	1	thus	thus	ADV
cblr-2965	248	2	,	,	PUNCT
cblr-2965	248	3	paying	pay	VERB
cblr-2965	248	4	113	113	NUM
cblr-2965	248	5	basis	basis	NOUN
cblr-2965	248	6	points	point	NOUN
cblr-2965	248	7	on	on	ADP
cblr-2965	248	8	a	a	DET
cblr-2965	248	9	$	$	SYM
cblr-2965	248	10	10,000	10,000	NUM
cblr-2965	248	11	investment	investment	NOUN
cblr-2965	248	12	costs	cost	VERB
cblr-2965	248	13	an	an	DET
cblr-2965	248	14	investor	investor	NOUN
cblr-2965	248	15	$	$	SYM
cblr-2965	248	16	113	113	NUM
cblr-2965	248	17	annually	annually	ADV
cblr-2965	248	18	.	.	PUNCT
cblr-2965	249	1	46	46	NUM
cblr-2965	249	2	investment	investment	NOUN
cblr-2965	249	3	company	company	NOUN
cblr-2965	249	4	institute	institute	NOUN
cblr-2965	249	5	,	,	PUNCT
cblr-2965	249	6	fees	fee	NOUN
cblr-2965	249	7	and	and	CCONJ
cblr-2965	249	8	expenses	expense	NOUN
cblr-2965	249	9	of	of	ADP
cblr-2965	249	10	mutual	mutual	ADJ
cblr-2965	249	11	funds	fund	NOUN
cblr-2965	249	12	,	,	PUNCT
cblr-2965	249	13	2005	2005	NUM
cblr-2965	249	14	at	at	ADP
cblr-2965	249	15	1	1	NUM
cblr-2965	249	16	-	-	SYM
cblr-2965	249	17	2	2	NUM
cblr-2965	249	18	&	&	CCONJ
cblr-2965	249	19	fig.1	fig.1	PROPN
cblr-2965	249	20	(	(	PUNCT
cblr-2965	249	21	2006	2006	NUM
cblr-2965	249	22	)	)	PUNCT
cblr-2965	249	23	,	,	PUNCT
cblr-2965	249	24	available	available	ADJ
cblr-2965	249	25	at	at	ADP
cblr-2965	249	26	http	http	ADJ
cblr-2965	249	27	:	:	PUNCT
cblr-2965	249	28	ll	ll	NOUN
cblr-2965	249	29	www.ici.org/statements/fundamentals/fm-vl5n4.pdf	www.ici.org/statements/fundamentals/fm-vl5n4.pdf	PROPN
cblr-2965	250	1	[	[	X
cblr-2965	250	2	hereinafter	hereinafter	NOUN
cblr-2965	250	3	ici	ici	NOUN
cblr-2965	250	4	,	,	PUNCT
cblr-2965	250	5	fees	fee	NOUN
cblr-2965	250	6	&	&	CCONJ
cblr-2965	250	7	expenses	expense	NOUN
cblr-2965	250	8	]	]	PUNCT
cblr-2965	250	9	.	.	PUNCT
cblr-2965	251	1	47	47	NUM
cblr-2965	251	2	ici	ici	NOUN
cblr-2965	251	3	,	,	PUNCT
cblr-2965	251	4	competition	competition	NOUN
cblr-2965	251	5	,	,	PUNCT
cblr-2965	251	6	supra	supra	PROPN
cblr-2965	251	7	note	note	NOUN
cblr-2965	251	8	44	44	NUM
cblr-2965	251	9	,	,	PUNCT
cblr-2965	251	10	at	at	ADP
cblr-2965	251	11	1	1	NUM
cblr-2965	251	12	.	.	NOUN
cblr-2965	251	13	4	4	NUM
cblr-2965	251	14	ici	ici	NOUN
cblr-2965	251	15	,	,	PUNCT
cblr-2965	251	16	fees	fee	NOUN
cblr-2965	251	17	&	&	CCONJ
cblr-2965	251	18	expenses	expense	NOUN
cblr-2965	251	19	,	,	PUNCT
cblr-2965	251	20	supra	supra	PROPN
cblr-2965	251	21	note	note	NOUN
cblr-2965	251	22	46	46	NUM
cblr-2965	251	23	,	,	PUNCT
cblr-2965	251	24	at	at	ADP
cblr-2965	251	25	1	1	NUM
cblr-2965	251	26	.	.	PUNCT
cblr-2965	252	1	see	see	VERB
cblr-2965	252	2	also	also	ADV
cblr-2965	252	3	,	,	PUNCT
cblr-2965	252	4	investment	investment	NOUN
cblr-2965	252	5	company	company	NOUN
cblr-2965	252	6	institute	institute	PROPN
cblr-2965	252	7	,	,	PUNCT
cblr-2965	252	8	a	a	DET
cblr-2965	252	9	guide	guide	NOUN
cblr-2965	252	10	to	to	ADP
cblr-2965	252	11	understanding	understand	VERB
cblr-2965	252	12	mutual	mutual	ADJ
cblr-2965	252	13	funds	fund	NOUN
cblr-2965	252	14	23	23	NUM
cblr-2965	252	15	(	(	PUNCT
cblr-2965	252	16	2007	2007	NUM
cblr-2965	252	17	)	)	PUNCT
cblr-2965	252	18	,	,	PUNCT
cblr-2965	252	19	available	available	ADJ
cblr-2965	252	20	at	at	ADP
cblr-2965	252	21	http://www.ici.org/pdf/	http://www.ici.org/pdf/	PROPN
cblr-2965	252	22	brounderstanding-mfs-p.pdf	brounderstanding-mfs-p.pdf	PROPN
cblr-2965	252	23	[	[	X
cblr-2965	252	24	hereinafter	hereinafter	NOUN
cblr-2965	252	25	ici	ici	NOUN
cblr-2965	252	26	,	,	PUNCT
cblr-2965	252	27	understanding	understand	VERB
cblr-2965	252	28	funds	fund	NOUN
cblr-2965	252	29	]	]	PUNCT
cblr-2965	252	30	(	(	PUNCT
cblr-2965	252	31	"	"	PUNCT
cblr-2965	252	32	mutual	mutual	ADJ
cblr-2965	252	33	funds	fund	NOUN
cblr-2965	252	34	compete	compete	VERB
cblr-2965	252	35	vigorously	vigorously	ADV
cblr-2965	252	36	to	to	PART
cblr-2965	252	37	keep	keep	VERB
cblr-2965	252	38	costs	cost	NOUN
cblr-2965	252	39	low	low	ADJ
cblr-2965	252	40	,	,	PUNCT
cblr-2965	252	41	since	since	SCONJ
cblr-2965	252	42	the	the	DET
cblr-2965	252	43	performance	performance	NOUN
cblr-2965	252	44	figures	figure	NOUN
cblr-2965	252	45	reported	report	VERB
cblr-2965	252	46	by	by	ADP
cblr-2965	252	47	the	the	DET
cblr-2965	252	48	fund	fund	NOUN
cblr-2965	252	49	,	,	PUNCT
cblr-2965	252	50	and	and	CCONJ
cblr-2965	252	51	the	the	DET
cblr-2965	252	52	total	total	ADJ
cblr-2965	252	53	value	value	NOUN
cblr-2965	252	54	of	of	ADP
cblr-2965	252	55	[	[	PUNCT
cblr-2965	252	56	an	an	DET
cblr-2965	252	57	investor	investor	NOUN
cblr-2965	252	58	's	's	PART
cblr-2965	252	59	]	]	PUNCT
cblr-2965	252	60	mutual	mutual	ADJ
cblr-2965	252	61	fund	fund	NOUN
cblr-2965	252	62	account	account	NOUN
cblr-2965	252	63	,	,	PUNCT
cblr-2965	252	64	are	be	AUX
cblr-2965	252	65	provided	provide	VERB
cblr-2965	252	66	after	after	SCONJ
cblr-2965	252	67	all	all	DET
cblr-2965	252	68	fees	fee	NOUN
cblr-2965	252	69	and	and	CCONJ
cblr-2965	252	70	expenses	expense	NOUN
cblr-2965	252	71	have	have	AUX
cblr-2965	252	72	been	be	AUX
cblr-2965	252	73	deducted	deduct	VERB
cblr-2965	252	74	.	.	PUNCT
cblr-2965	252	75	"	"	PUNCT
cblr-2965	252	76	)	)	PUNCT
cblr-2965	252	77	.	.	PUNCT
cblr-2965	253	1	[	[	X
cblr-2965	253	2	vol	vol	NOUN
cblr-2965	253	3	.	.	NOUN
cblr-2965	253	4	2008	2008	NUM
cblr-2965	253	5	mutual	mutual	ADJ
cblr-2965	253	6	fund	fund	NOUN
cblr-2965	253	7	investors	investor	NOUN
cblr-2965	253	8	call	call	VERB
cblr-2965	253	9	or	or	CCONJ
cblr-2965	253	10	mouse	mouse	NOUN
cblr-2965	253	11	click	click	VERB
cblr-2965	253	12	away	away	ADV
cblr-2965	253	13	from	from	ADP
cblr-2965	253	14	switching	switch	VERB
cblr-2965	253	15	to	to	ADP
cblr-2965	253	16	another	another	DET
cblr-2965	253	17	provider.49	provider.49	NOUN
cblr-2965	253	18	while	while	SCONJ
cblr-2965	253	19	trumpeting	trumpet	VERB
cblr-2965	253	20	investor	investor	NOUN
cblr-2965	253	21	demand	demand	NOUN
cblr-2965	253	22	for	for	ADP
cblr-2965	253	23	lower	low	ADJ
cblr-2965	253	24	-	-	PUNCT
cblr-2965	253	25	cost	cost	NOUN
cblr-2965	253	26	funds	fund	NOUN
cblr-2965	253	27	,	,	PUNCT
cblr-2965	253	28	however	however	ADV
cblr-2965	253	29	,	,	PUNCT
cblr-2965	253	30	the	the	DET
cblr-2965	253	31	ici	ici	NOUN
cblr-2965	253	32	has	have	AUX
cblr-2965	253	33	been	be	AUX
cblr-2965	253	34	careful	careful	ADJ
cblr-2965	253	35	not	not	PART
cblr-2965	253	36	to	to	PART
cblr-2965	253	37	encourage	encourage	VERB
cblr-2965	253	38	investors	investor	NOUN
cblr-2965	253	39	to	to	PART
cblr-2965	253	40	invest	invest	VERB
cblr-2965	253	41	in	in	ADP
cblr-2965	253	42	such	such	ADJ
cblr-2965	253	43	funds	fund	NOUN
cblr-2965	253	44	.	.	PUNCT
cblr-2965	254	1	for	for	ADP
cblr-2965	254	2	example	example	NOUN
cblr-2965	254	3	,	,	PUNCT
cblr-2965	254	4	an	an	DET
cblr-2965	254	5	online	online	ADJ
cblr-2965	254	6	mutual	mutual	ADJ
cblr-2965	254	7	fund	fund	NOUN
cblr-2965	254	8	primer	primer	NOUN
cblr-2965	254	9	sponsored	sponsor	VERB
cblr-2965	254	10	by	by	ADP
cblr-2965	254	11	the	the	DET
cblr-2965	254	12	ici	ici	PROPN
cblr-2965	254	13	education	education	PROPN
cblr-2965	254	14	foundation	foundation	PROPN
cblr-2965	254	15	and	and	CCONJ
cblr-2965	254	16	the	the	DET
cblr-2965	254	17	national	national	PROPN
cblr-2965	254	18	urban	urban	PROPN
cblr-2965	254	19	league	league	PROPN
cblr-2965	254	20	is	be	AUX
cblr-2965	254	21	silent	silent	ADJ
cblr-2965	254	22	about	about	ADP
cblr-2965	254	23	the	the	DET
cblr-2965	254	24	effect	effect	NOUN
cblr-2965	254	25	of	of	ADP
cblr-2965	254	26	costs	cost	NOUN
cblr-2965	254	27	(	(	PUNCT
cblr-2965	254	28	such	such	ADJ
cblr-2965	254	29	as	as	ADP
cblr-2965	254	30	loads	load	NOUN
cblr-2965	254	31	and	and	CCONJ
cblr-2965	254	32	expenses	expense	NOUN
cblr-2965	254	33	)	)	PUNCT
cblr-2965	254	34	on	on	ADP
cblr-2965	254	35	fund	fund	NOUN
cblr-2965	254	36	returns	return	NOUN
cblr-2965	254	37	.	.	PUNCT
cblr-2965	255	1	"0	"0	VERB
cblr-2965	255	2	instead	instead	ADV
cblr-2965	255	3	,	,	PUNCT
cblr-2965	255	4	fund	fund	NOUN
cblr-2965	255	5	investors	investor	NOUN
cblr-2965	255	6	are	be	AUX
cblr-2965	255	7	urged	urge	VERB
cblr-2965	255	8	to	to	PART
cblr-2965	255	9	focus	focus	VERB
cblr-2965	255	10	on	on	ADP
cblr-2965	255	11	"	"	PUNCT
cblr-2965	255	12	[	[	X
cblr-2965	255	13	t]ime	t]ime	NOUN
cblr-2965	255	14	in	in	ADP
cblr-2965	255	15	the	the	DET
cblr-2965	255	16	[	[	X
cblr-2965	255	17	m]arket	m]arket	NOUN
cblr-2965	255	18	"	"	PUNCT
cblr-2965	255	19	rather	rather	ADV
cblr-2965	255	20	than	than	ADP
cblr-2965	255	21	"	"	PUNCT
cblr-2965	255	22	[	[	X
cblr-2965	255	23	t]iming	t]ime	VERB
cblr-2965	255	24	the	the	DET
cblr-2965	255	25	market	market	NOUN
cblr-2965	255	26	.	.	PUNCT
cblr-2965	256	1	"5	"5	VERB
cblr-2965	257	1	the	the	DET
cblr-2965	257	2	primer	primer	NOUN
cblr-2965	257	3	points	point	VERB
cblr-2965	257	4	out	out	ADP
cblr-2965	257	5	that	that	SCONJ
cblr-2965	257	6	annual	annual	ADJ
cblr-2965	257	7	stock	stock	NOUN
cblr-2965	257	8	market	market	NOUN
cblr-2965	257	9	returns	return	NOUN
cblr-2965	257	10	have	have	AUX
cblr-2965	257	11	averaged	average	VERB
cblr-2965	257	12	11	11	NUM
cblr-2965	257	13	%	%	NOUN
cblr-2965	257	14	from	from	ADP
cblr-2965	257	15	1926	1926	NUM
cblr-2965	257	16	to	to	ADP
cblr-2965	257	17	2004	2004	NUM
cblr-2965	257	18	,	,	PUNCT
cblr-2965	257	19	but	but	CCONJ
cblr-2965	257	20	does	do	AUX
cblr-2965	257	21	not	not	PART
cblr-2965	257	22	indicate	indicate	VERB
cblr-2965	257	23	how	how	SCONJ
cblr-2965	257	24	much	much	ADJ
cblr-2965	257	25	less	less	ADJ
cblr-2965	257	26	mutual	mutual	ADJ
cblr-2965	257	27	fund	fund	NOUN
cblr-2965	257	28	investors	investor	NOUN
cblr-2965	257	29	have	have	AUX
cblr-2965	257	30	received	receive	VERB
cblr-2965	257	31	because	because	SCONJ
cblr-2965	257	32	of	of	ADP
cblr-2965	257	33	the	the	DET
cblr-2965	257	34	drag	drag	NOUN
cblr-2965	257	35	of	of	ADP
cblr-2965	257	36	fund	fund	NOUN
cblr-2965	257	37	fees	fee	NOUN
cblr-2965	257	38	and	and	CCONJ
cblr-2965	257	39	expenses	expense	NOUN
cblr-2965	257	40	.	.	PUNCT
cblr-2965	258	1	2	2	NUM
cblr-2965	258	2	other	other	ADJ
cblr-2965	258	3	ici	ici	NOUN
cblr-2965	258	4	educational	educational	ADJ
cblr-2965	258	5	materials	material	NOUN
cblr-2965	258	6	mention	mention	VERB
cblr-2965	258	7	fees	fee	NOUN
cblr-2965	258	8	and	and	CCONJ
cblr-2965	258	9	expenses	expense	NOUN
cblr-2965	258	10	but	but	CCONJ
cblr-2965	258	11	do	do	AUX
cblr-2965	258	12	not	not	PART
cblr-2965	258	13	encourage	encourage	VERB
cblr-2965	258	14	investors	investor	NOUN
cblr-2965	258	15	to	to	PART
cblr-2965	258	16	seek	seek	VERB
cblr-2965	258	17	out	out	ADP
cblr-2965	258	18	low	low	ADJ
cblr-2965	258	19	-	-	PUNCT
cblr-2965	258	20	cost	cost	NOUN
cblr-2965	258	21	funds	fund	NOUN
cblr-2965	258	22	.	.	PUNCT
cblr-2965	259	1	for	for	ADP
cblr-2965	259	2	example	example	NOUN
cblr-2965	259	3	,	,	PUNCT
cblr-2965	259	4	the	the	DET
cblr-2965	259	5	ici	ici	NOUN
cblr-2965	259	6	has	have	AUX
cblr-2965	259	7	published	publish	VERB
cblr-2965	259	8	an	an	DET
cblr-2965	259	9	educational	educational	ADJ
cblr-2965	259	10	brochure	brochure	NOUN
cblr-2965	259	11	entitled	entitle	VERB
cblr-2965	259	12	"	"	PUNCT
cblr-2965	259	13	a	a	DET
cblr-2965	259	14	guide	guide	NOUN
cblr-2965	259	15	to	to	ADP
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cblr-2965	259	18	funds	fund	NOUN
cblr-2965	259	19	.	.	PUNCT
cblr-2965	260	1	"53	"53	VERB
cblr-2965	261	1	some	some	PRON
cblr-2965	261	2	of	of	ADP
cblr-2965	261	3	the	the	DET
cblr-2965	261	4	information	information	NOUN
cblr-2965	261	5	in	in	ADP
cblr-2965	261	6	the	the	DET
cblr-2965	261	7	brochure	brochure	NOUN
cblr-2965	261	8	is	be	AUX
cblr-2965	261	9	written	write	VERB
cblr-2965	261	10	in	in	ADP
cblr-2965	261	11	a	a	DET
cblr-2965	261	12	question	question	NOUN
cblr-2965	261	13	-	-	PUNCT
cblr-2965	261	14	and	and	CCONJ
cblr-2965	261	15	-	-	PUNCT
cblr-2965	261	16	answer	answer	NOUN
cblr-2965	261	17	format	format	NOUN
cblr-2965	261	18	.	.	PUNCT
cblr-2965	262	1	in	in	ADP
cblr-2965	262	2	response	response	NOUN
cblr-2965	262	3	to	to	ADP
cblr-2965	262	4	the	the	DET
cblr-2965	262	5	question	question	NOUN
cblr-2965	262	6	"	"	PUNCT
cblr-2965	262	7	should	should	AUX
cblr-2965	262	8	fund	fund	VERB
cblr-2965	262	9	fees	fee	NOUN
cblr-2965	262	10	affect	affect	VERB
cblr-2965	262	11	your	your	PRON
cblr-2965	262	12	decision	decision	NOUN
cblr-2965	262	13	?	?	PUNCT
cblr-2965	262	14	"	"	PUNCT
cblr-2965	263	1	the	the	DET
cblr-2965	263	2	ici	ici	NOUN
cblr-2965	263	3	responds	respond	VERB
cblr-2965	263	4	only	only	ADV
cblr-2965	263	5	that	that	SCONJ
cblr-2965	263	6	:	:	PUNCT
cblr-2965	263	7	49	49	NUM
cblr-2965	263	8	john	john	PROPN
cblr-2965	263	9	v.	v.	PROPN
cblr-2965	263	10	murphy	murphy	PROPN
cblr-2965	263	11	,	,	PUNCT
cblr-2965	263	12	gen	gen	PROPN
cblr-2965	263	13	.	.	PROPN
cblr-2965	263	14	membership	membership	PROPN
cblr-2965	263	15	meeting	meeting	NOUN
cblr-2965	263	16	chairman	chairman	NOUN
cblr-2965	263	17	,	,	PUNCT
cblr-2965	263	18	welcoming	welcome	VERB
cblr-2965	263	19	remarks	remark	NOUN
cblr-2965	263	20	at	at	ADP
cblr-2965	263	21	the	the	DET
cblr-2965	263	22	investment	investment	NOUN
cblr-2965	263	23	company	company	NOUN
cblr-2965	263	24	institute	institute	NOUN
cblr-2965	263	25	's	's	PART
cblr-2965	263	26	2006	2006	NUM
cblr-2965	263	27	general	general	ADJ
cblr-2965	263	28	membership	membership	NOUN
cblr-2965	263	29	meeting	meeting	NOUN
cblr-2965	263	30	(	(	PUNCT
cblr-2965	263	31	may	may	PROPN
cblr-2965	263	32	17	17	NUM
cblr-2965	263	33	,	,	PUNCT
cblr-2965	263	34	2006	2006	NUM
cblr-2965	263	35	)	)	PUNCT
cblr-2965	263	36	,	,	PUNCT
cblr-2965	263	37	available	available	ADJ
cblr-2965	263	38	at	at	ADP
cblr-2965	263	39	http://www.ici.org/statements/remarks/06_gmm-murphy-spch.html#t	http://www.ici.org/statements/remarks/06_gmm-murphy-spch.html#t	NOUN
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cblr-2965	263	41	.	.	PUNCT
cblr-2965	264	1	50	50	NUM
cblr-2965	264	2	investment	investment	NOUN
cblr-2965	264	3	company	company	NOUN
cblr-2965	264	4	institute	institute	PROPN
cblr-2965	264	5	education	education	PROPN
cblr-2965	264	6	foundation	foundation	PROPN
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cblr-2965	264	9	urban	urban	PROPN
cblr-2965	264	10	league	league	PROPN
cblr-2965	264	11	,	,	PUNCT
cblr-2965	264	12	investing	invest	VERB
cblr-2965	264	13	for	for	ADP
cblr-2965	264	14	success	success	NOUN
cblr-2965	264	15	,	,	PUNCT
cblr-2965	264	16	http://www.icief.org/	http://www.icief.org/	NOUN
cblr-2965	264	17	introduction	introduction	NOUN
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cblr-2965	264	20	(	(	PUNCT
cblr-2965	264	21	last	last	ADV
cblr-2965	264	22	visited	visit	VERB
cblr-2965	264	23	dec	dec	PROPN
cblr-2965	264	24	.	.	PROPN
cblr-2965	264	25	3	3	NUM
cblr-2965	264	26	,	,	PUNCT
cblr-2965	264	27	2008	2008	NUM
cblr-2965	264	28	)	)	PUNCT
cblr-2965	264	29	.	.	PUNCT
cblr-2965	265	1	in	in	ADP
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cblr-2965	265	3	230	230	NUM
cblr-2965	265	4	pages	page	NOUN
cblr-2965	265	5	of	of	ADP
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cblr-2965	265	7	online	online	NOUN
cblr-2965	265	8	primer	primer	NOUN
cblr-2965	265	9	,	,	PUNCT
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cblr-2965	265	11	terms	term	NOUN
cblr-2965	265	12	"	"	PUNCT
cblr-2965	265	13	fees	fee	NOUN
cblr-2965	265	14	"	"	PUNCT
cblr-2965	265	15	and	and	CCONJ
cblr-2965	265	16	"	"	PUNCT
cblr-2965	265	17	expenses	expense	NOUN
cblr-2965	265	18	"	"	PUNCT
cblr-2965	265	19	do	do	AUX
cblr-2965	265	20	not	not	PART
cblr-2965	265	21	appear	appear	VERB
cblr-2965	265	22	except	except	SCONJ
cblr-2965	265	23	with	with	ADP
cblr-2965	265	24	respect	respect	NOUN
cblr-2965	265	25	to	to	ADP
cblr-2965	265	26	college	college	NOUN
cblr-2965	265	27	costs	cost	NOUN
cblr-2965	265	28	,	,	PUNCT
cblr-2965	265	29	and	and	CCONJ
cblr-2965	265	30	the	the	DET
cblr-2965	265	31	terms	term	NOUN
cblr-2965	265	32	"	"	PUNCT
cblr-2965	265	33	12b-1	12b-1	NUM
cblr-2965	265	34	"	"	PUNCT
cblr-2965	265	35	and	and	CCONJ
cblr-2965	265	36	"	"	PUNCT
cblr-2965	265	37	loads	load	NOUN
cblr-2965	265	38	"	"	PUNCT
cblr-2965	265	39	are	be	AUX
cblr-2965	265	40	not	not	PART
cblr-2965	265	41	mentioned	mention	VERB
cblr-2965	265	42	at	at	ADV
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cblr-2965	265	44	.	.	PUNCT
cblr-2965	266	1	"	"	PUNCT
cblr-2965	266	2	'	'	PUNCT
cblr-2965	266	3	investment	investment	NOUN
cblr-2965	266	4	company	company	NOUN
cblr-2965	266	5	institute	institute	PROPN
cblr-2965	266	6	education	education	PROPN
cblr-2965	266	7	foundation	foundation	PROPN
cblr-2965	266	8	and	and	CCONJ
cblr-2965	266	9	national	national	ADJ
cblr-2965	266	10	urban	urban	PROPN
cblr-2965	266	11	league	league	PROPN
cblr-2965	266	12	,	,	PUNCT
cblr-2965	266	13	investing	invest	VERB
cblr-2965	266	14	for	for	ADP
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cblr-2965	266	16	,	,	PUNCT
cblr-2965	266	17	http://www.icief.org/	http://www.icief.org/	X
cblr-2965	266	18	realistic	realistic	ADJ
cblr-2965	266	19	/	/	SYM
cblr-2965	266	20	index.html?reallesson3.html	index.html?reallesson3.html	NOUN
cblr-2965	266	21	-	-	PUNCT
cblr-2965	266	22	text	text	NOUN
cblr-2965	266	23	(	(	PUNCT
cblr-2965	266	24	last	last	ADV
cblr-2965	266	25	visited	visit	VERB
cblr-2965	266	26	dec	dec	PROPN
cblr-2965	266	27	.	.	PROPN
cblr-2965	266	28	3	3	NUM
cblr-2965	266	29	,	,	PUNCT
cblr-2965	266	30	2008	2008	NUM
cblr-2965	266	31	)	)	PUNCT
cblr-2965	266	32	.	.	PUNCT
cblr-2965	267	1	52	52	NUM
cblr-2965	267	2	investment	investment	NOUN
cblr-2965	267	3	company	company	NOUN
cblr-2965	267	4	institute	institute	PROPN
cblr-2965	267	5	education	education	PROPN
cblr-2965	267	6	foundation	foundation	PROPN
cblr-2965	267	7	and	and	CCONJ
cblr-2965	267	8	national	national	ADJ
cblr-2965	267	9	urban	urban	PROPN
cblr-2965	267	10	league	league	PROPN
cblr-2965	267	11	,	,	PUNCT
cblr-2965	267	12	investing	invest	VERB
cblr-2965	267	13	for	for	ADP
cblr-2965	267	14	success	success	NOUN
cblr-2965	267	15	,	,	PUNCT
cblr-2965	267	16	http://www.icief.org/	http://www.icief.org/	X
cblr-2965	267	17	realistic	realistic	ADJ
cblr-2965	267	18	/	/	SYM
cblr-2965	267	19	index.html?real	index.html?real	ADJ
cblr-2965	267	20	ill2.html	ill2.html	NOUN
cblr-2965	267	21	-	-	NOUN
cblr-2965	267	22	text	text	NOUN
cblr-2965	267	23	(	(	PUNCT
cblr-2965	267	24	last	last	ADV
cblr-2965	267	25	visited	visit	VERB
cblr-2965	267	26	dec	dec	PROPN
cblr-2965	267	27	.	.	PROPN
cblr-2965	267	28	3	3	NUM
cblr-2965	267	29	,	,	PUNCT
cblr-2965	267	30	2008	2008	NUM
cblr-2965	267	31	)	)	PUNCT
cblr-2965	267	32	.	.	PUNCT
cblr-2965	268	1	ici	ici	PROPN
cblr-2965	268	2	,	,	PUNCT
cblr-2965	268	3	understanding	understand	VERB
cblr-2965	268	4	funds	fund	NOUN
cblr-2965	268	5	,	,	PUNCT
cblr-2965	268	6	supra	supra	PROPN
cblr-2965	268	7	note	note	NOUN
cblr-2965	268	8	48	48	NUM
cblr-2965	268	9	.	.	PUNCT
cblr-2965	269	1	no	no	INTJ
cblr-2965	269	2	,	,	PUNCT
cblr-2965	269	3	3:934	3:934	X
cblr-2965	269	4	]	]	X
cblr-2965	269	5	if	if	SCONJ
cblr-2965	269	6	two	two	NUM
cblr-2965	269	7	funds	fund	NOUN
cblr-2965	269	8	were	be	AUX
cblr-2965	269	9	identical	identical	ADJ
cblr-2965	269	10	,	,	PUNCT
cblr-2965	269	11	except	except	SCONJ
cblr-2965	269	12	for	for	ADP
cblr-2965	269	13	the	the	DET
cblr-2965	269	14	fees	fee	NOUN
cblr-2965	269	15	and	and	CCONJ
cblr-2965	269	16	expenses	expense	NOUN
cblr-2965	269	17	they	they	PRON
cblr-2965	269	18	charge	charge	VERB
cblr-2965	269	19	,	,	PUNCT
cblr-2965	269	20	the	the	DET
cblr-2965	269	21	lower	low	ADJ
cblr-2965	269	22	-	-	PUNCT
cblr-2965	269	23	cost	cost	NOUN
cblr-2965	269	24	fund	fund	NOUN
cblr-2965	269	25	would	would	AUX
cblr-2965	269	26	be	be	AUX
cblr-2965	269	27	a	a	DET
cblr-2965	269	28	better	well	ADJ
cblr-2965	269	29	option	option	NOUN
cblr-2965	269	30	.	.	PUNCT
cblr-2965	270	1	but	but	CCONJ
cblr-2965	270	2	rarely	rarely	ADV
cblr-2965	270	3	,	,	PUNCT
cblr-2965	270	4	if	if	SCONJ
cblr-2965	270	5	ever	ever	ADV
cblr-2965	270	6	,	,	PUNCT
cblr-2965	270	7	are	be	AUX
cblr-2965	270	8	funds	fund	NOUN
cblr-2965	270	9	identical	identical	ADJ
cblr-2965	270	10	.	.	PUNCT
cblr-2965	271	1	for	for	ADP
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cblr-2965	271	3	,	,	PUNCT
cblr-2965	271	4	stock	stock	NOUN
cblr-2965	271	5	funds	fund	NOUN
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cblr-2965	271	7	cost	cost	VERB
cblr-2965	271	8	more	more	ADJ
cblr-2965	271	9	than	than	ADP
cblr-2965	271	10	bond	bond	NOUN
cblr-2965	271	11	and	and	CCONJ
cblr-2965	271	12	money	money	NOUN
cblr-2965	271	13	market	market	NOUN
cblr-2965	271	14	funds	fund	NOUN
cblr-2965	271	15	,	,	PUNCT
cblr-2965	271	16	but	but	CCONJ
cblr-2965	271	17	stock	stock	NOUN
cblr-2965	271	18	funds	fund	NOUN
cblr-2965	271	19	historically	historically	ADV
cblr-2965	271	20	have	have	AUX
cblr-2965	271	21	provided	provide	VERB
cblr-2965	271	22	a	a	DET
cblr-2965	271	23	significantly	significantly	ADV
cblr-2965	271	24	higher	high	ADJ
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cblr-2965	271	26	-	-	PUNCT
cblr-2965	271	27	even	even	ADV
cblr-2965	271	28	after	after	SCONJ
cblr-2965	271	29	expenses	expense	NOUN
cblr-2965	271	30	are	be	AUX
cblr-2965	271	31	deducted	deduct	VERB
cblr-2965	271	32	.	.	PUNCT
cblr-2965	272	1	even	even	ADV
cblr-2965	272	2	different	different	ADJ
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cblr-2965	272	4	of	of	ADP
cblr-2965	272	5	stock	stock	NOUN
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cblr-2965	272	7	,	,	PUNCT
cblr-2965	272	8	u.s	u.s	PROPN
cblr-2965	272	9	.	.	PROPN
cblr-2965	272	10	or	or	CCONJ
cblr-2965	272	11	foreign	foreign	ADJ
cblr-2965	272	12	,	,	PUNCT
cblr-2965	272	13	typically	typically	ADV
cblr-2965	272	14	vary	vary	VERB
cblr-2965	272	15	in	in	ADP
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cblr-2965	272	17	.	.	PUNCT
cblr-2965	273	1	in	in	ADP
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cblr-2965	273	3	,	,	PUNCT
cblr-2965	273	4	there	there	PRON
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cblr-2965	273	10	the	the	DET
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cblr-2965	273	12	and	and	CCONJ
cblr-2965	273	13	expenses	expense	VERB
cblr-2965	273	14	a	a	DET
cblr-2965	273	15	fund	fund	NOUN
cblr-2965	273	16	charges	charge	NOUN
cblr-2965	273	17	.	.	PUNCT
cblr-2965	274	1	only	only	ADV
cblr-2965	274	2	after	after	ADP
cblr-2965	274	3	weighing	weigh	VERB
cblr-2965	274	4	all	all	PRON
cblr-2965	274	5	of	of	ADP
cblr-2965	274	6	the	the	DET
cblr-2965	274	7	relative	relative	ADJ
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cblr-2965	274	9	of	of	ADP
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cblr-2965	274	11	funds	fund	NOUN
cblr-2965	274	12	,	,	PUNCT
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cblr-2965	274	14	an	an	DET
cblr-2965	274	15	analysis	analysis	NOUN
cblr-2965	274	16	of	of	ADP
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cblr-2965	274	19	,	,	PUNCT
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cblr-2965	274	22	decide	decide	VERB
cblr-2965	274	23	if	if	SCONJ
cblr-2965	274	24	owning	own	VERB
cblr-2965	274	25	a	a	DET
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cblr-2965	274	27	fund	fund	NOUN
cblr-2965	274	28	is	be	AUX
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cblr-2965	274	30	to	to	ADP
cblr-2965	274	31	you	you	PRON
cblr-2965	274	32	.	.	PUNCT
cblr-2965	275	1	a	a	DET
cblr-2965	275	2	fund	fund	NOUN
cblr-2965	275	3	with	with	ADP
cblr-2965	275	4	higher	high	ADJ
cblr-2965	275	5	costs	cost	NOUN
cblr-2965	275	6	may	may	AUX
cblr-2965	275	7	make	make	VERB
cblr-2965	275	8	more	more	ADJ
cblr-2965	275	9	money	money	NOUN
cblr-2965	275	10	for	for	ADP
cblr-2965	275	11	you	you	PRON
cblr-2965	275	12	,	,	PUNCT
cblr-2965	275	13	even	even	ADV
cblr-2965	275	14	after	after	ADP
cblr-2965	275	15	accounting	account	VERB
cblr-2965	275	16	for	for	ADP
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cblr-2965	275	19	you	you	PRON
cblr-2965	275	20	pay	pay	VERB
cblr-2965	275	21	,	,	PUNCT
cblr-2965	275	22	than	than	ADP
cblr-2965	275	23	a	a	DET
cblr-2965	275	24	fund	fund	NOUN
cblr-2965	275	25	with	with	ADP
cblr-2965	275	26	a	a	DET
cblr-2965	275	27	lower	low	ADJ
cblr-2965	275	28	cost	cost	NOUN
cblr-2965	275	29	.	.	PUNCT
cblr-2965	276	1	the	the	DET
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cblr-2965	276	3	may	may	AUX
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cblr-2965	276	5	be	be	AUX
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cblr-2965	276	7	4	4	NUM
cblr-2965	276	8	2	2	NUM
cblr-2965	276	9	.	.	PUNCT
cblr-2965	277	1	investors	investor	NOUN
cblr-2965	277	2	access	access	VERB
cblr-2965	277	3	large	large	ADJ
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cblr-2965	277	10	have	have	AUX
cblr-2965	277	11	also	also	ADV
cblr-2965	277	12	credited	credit	VERB
cblr-2965	277	13	as	as	ADP
cblr-2965	277	14	a	a	DET
cblr-2965	277	15	source	source	NOUN
cblr-2965	277	16	of	of	ADP
cblr-2965	277	17	market	market	NOUN
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cblr-2965	277	20	great	great	ADJ
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cblr-2965	277	22	of	of	ADP
cblr-2965	277	23	information	information	NOUN
cblr-2965	277	24	about	about	ADP
cblr-2965	277	25	funds	fund	NOUN
cblr-2965	277	26	available	available	ADJ
cblr-2965	277	27	to	to	ADP
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cblr-2965	277	29	.	.	PUNCT
cblr-2965	278	1	"5	"5	PUNCT
cblr-2965	278	2	they	they	PRON
cblr-2965	278	3	claim	claim	VERB
cblr-2965	278	4	that	that	SCONJ
cblr-2965	278	5	this	this	DET
cblr-2965	278	6	information	information	NOUN
cblr-2965	278	7	"	"	PUNCT
cblr-2965	278	8	'	'	PUNCT
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cblr-2965	278	13	.	.	PUNCT
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cblr-2965	279	4	brochure	brochure	NOUN
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cblr-2965	279	6	a	a	DET
cblr-2965	279	7	very	very	ADV
cblr-2965	279	8	similar	similar	ADJ
cblr-2965	279	9	answer	answer	NOUN
cblr-2965	279	10	to	to	ADP
cblr-2965	279	11	the	the	DET
cblr-2965	279	12	same	same	ADJ
cblr-2965	279	13	question	question	NOUN
cblr-2965	279	14	except	except	SCONJ
cblr-2965	279	15	that	that	SCONJ
cblr-2965	279	16	it	it	PRON
cblr-2965	279	17	begins	begin	VERB
cblr-2965	279	18	its	its	PRON
cblr-2965	279	19	answer	answer	NOUN
cblr-2965	279	20	with	with	ADP
cblr-2965	279	21	"	"	PUNCT
cblr-2965	279	22	yes	yes	INTJ
cblr-2965	279	23	.	.	PUNCT
cblr-2965	280	1	fund	fund	NOUN
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cblr-2965	280	5	of	of	ADP
cblr-2965	280	6	many	many	ADJ
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cblr-2965	280	8	elements	element	NOUN
cblr-2965	280	9	that	that	PRON
cblr-2965	280	10	should	should	AUX
cblr-2965	280	11	be	be	AUX
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cblr-2965	280	13	when	when	SCONJ
cblr-2965	280	14	you	you	PRON
cblr-2965	280	15	are	be	AUX
cblr-2965	280	16	making	make	VERB
cblr-2965	280	17	a	a	DET
cblr-2965	280	18	decision	decision	NOUN
cblr-2965	280	19	about	about	ADP
cblr-2965	280	20	whether	whether	SCONJ
cblr-2965	280	21	to	to	PART
cblr-2965	280	22	purchase	purchase	VERB
cblr-2965	280	23	a	a	DET
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cblr-2965	280	26	.	.	PUNCT
cblr-2965	280	27	"	"	PUNCT
cblr-2965	281	1	investment	investment	NOUN
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cblr-2965	281	6	asked	ask	VERB
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cblr-2965	281	9	mutual	mutual	ADJ
cblr-2965	281	10	fund	fund	NOUN
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cblr-2965	281	12	11	11	NUM
cblr-2965	281	13	(	(	PUNCT
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cblr-2965	281	18	at	at	ADP
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cblr-2965	281	20	fee	fee	NOUN
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cblr-2965	281	22	.	.	PUNCT
cblr-2965	281	23	"	"	PUNCT
cblr-2965	282	1	see	see	VERB
cblr-2965	282	2	,	,	PUNCT
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cblr-2965	282	4	,	,	PUNCT
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cblr-2965	282	14	,	,	PUNCT
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cblr-2965	282	16	at	at	ADP
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cblr-2965	282	20	institute	institute	PROPN
cblr-2965	282	21	gen	gen	PROPN
cblr-2965	282	22	.	.	PROPN
cblr-2965	282	23	membership	membership	PROPN
cblr-2965	282	24	meeting	meeting	NOUN
cblr-2965	282	25	(	(	PUNCT
cblr-2965	282	26	may	may	PROPN
cblr-2965	282	27	17	17	NUM
cblr-2965	282	28	,	,	PUNCT
cblr-2965	282	29	2006	2006	NUM
cblr-2965	282	30	)	)	PUNCT
cblr-2965	282	31	,	,	PUNCT
cblr-2965	282	32	(	(	PUNCT
cblr-2965	282	33	transcript	transcript	NOUN
cblr-2965	282	34	available	available	ADJ
cblr-2965	282	35	at	at	ADP
cblr-2965	282	36	http://www.ici.orgissues/tax/arc-leg/06_gmm-stevens-spch.html	http://www.ici.orgissues/tax/arc-leg/06_gmm-stevens-spch.html	PROPN
cblr-2965	282	37	)	)	PUNCT
cblr-2965	282	38	(	(	PUNCT
cblr-2965	282	39	"	"	PUNCT
cblr-2965	282	40	if	if	SCONJ
cblr-2965	282	41	mutual	mutual	ADJ
cblr-2965	282	42	funds	fund	NOUN
cblr-2965	282	43	have	have	AUX
cblr-2965	282	44	succeeded	succeed	VERB
cblr-2965	282	45	,	,	PUNCT
cblr-2965	282	46	it	it	PRON
cblr-2965	282	47	is	be	AUX
cblr-2965	282	48	because	because	SCONJ
cblr-2965	282	49	they	they	PRON
cblr-2965	282	50	rest	rest	VERB
cblr-2965	282	51	on	on	ADP
cblr-2965	282	52	strong	strong	ADJ
cblr-2965	282	53	regulatory	regulatory	ADJ
cblr-2965	282	54	and	and	CCONJ
cblr-2965	282	55	market	market	NOUN
cblr-2965	282	56	disciplines	discipline	NOUN
cblr-2965	282	57	-	-	PUNCT
cblr-2965	282	58	the	the	DET
cblr-2965	282	59	high	high	ADJ
cblr-2965	282	60	standard	standard	NOUN
cblr-2965	282	61	of	of	ADP
cblr-2965	282	62	fiduciary	fiduciary	ADJ
cblr-2965	282	63	duty	duty	NOUN
cblr-2965	282	64	the	the	DET
cblr-2965	282	65	law	law	NOUN
cblr-2965	282	66	justly	justly	ADV
cblr-2965	282	67	demands	demand	NOUN
cblr-2965	282	68	of	of	ADP
cblr-2965	282	69	fund	fund	NOUN
cblr-2965	282	70	managers	manager	NOUN
cblr-2965	282	71	,	,	PUNCT
cblr-2965	282	72	the	the	DET
cblr-2965	282	73	abundant	abundant	ADJ
cblr-2965	282	74	information	information	NOUN
cblr-2965	282	75	funds	fund	NOUN
cblr-2965	282	76	must	must	AUX
cblr-2965	282	77	supply	supply	VERB
cblr-2965	282	78	to	to	ADP
cblr-2965	282	79	their	their	PRON
cblr-2965	282	80	investors	investor	NOUN
cblr-2965	282	81	,	,	PUNCT
cblr-2965	282	82	the	the	DET
cblr-2965	282	83	fiercely	fiercely	ADV
cblr-2965	282	84	competitive	competitive	ADJ
cblr-2965	282	85	environment	environment	NOUN
cblr-2965	282	86	in	in	ADP
cblr-2965	282	87	which	which	PRON
cblr-2965	282	88	funds	fund	NOUN
cblr-2965	282	89	operate	operate	VERB
cblr-2965	282	90	,	,	PUNCT
cblr-2965	282	91	and	and	CCONJ
cblr-2965	282	92	the	the	DET
cblr-2965	282	93	resulting	result	VERB
cblr-2965	282	94	scrutiny	scrutiny	NOUN
cblr-2965	282	95	to	to	PART
cblr-2965	282	96	which	which	PRON
cblr-2965	282	97	they	they	PRON
cblr-2965	282	98	are	be	AUX
cblr-2965	282	99	subject	subject	ADJ
cblr-2965	282	100	.	.	PUNCT
cblr-2965	282	101	"	"	PUNCT
cblr-2965	282	102	)	)	PUNCT
cblr-2965	282	103	.	.	PUNCT
cblr-2965	283	1	[	[	X
cblr-2965	283	2	vol	vol	NOUN
cblr-2965	283	3	.	.	PUNCT
cblr-2965	283	4	2008col	2008col	NUM
cblr-2965	283	5	umbia	umbia	NOUN
cblr-2965	283	6	b	b	PROPN
cblr-2965	283	7	usiness	usiness	PROPN
cblr-2965	283	8	la	la	PROPN
cblr-2965	283	9	w	w	PROPN
cblr-2965	283	10	re	re	PROPN
cblr-2965	283	11	vie	vie	PROPN
cblr-2965	283	12	w	w	PROPN
cblr-2965	283	13	mutual	mutual	ADJ
cblr-2965	283	14	fund	fund	NOUN
cblr-2965	283	15	investors	investor	NOUN
cblr-2965	283	16	allows	allow	VERB
cblr-2965	283	17	investors	investor	NOUN
cblr-2965	283	18	to	to	PART
cblr-2965	283	19	compare	compare	VERB
cblr-2965	283	20	funds	fund	NOUN
cblr-2965	283	21	,	,	PUNCT
cblr-2965	283	22	forcing	force	VERB
cblr-2965	283	23	funds	fund	NOUN
cblr-2965	283	24	to	to	PART
cblr-2965	283	25	compete	compete	VERB
cblr-2965	283	26	for	for	ADP
cblr-2965	283	27	investors.56	investors.56	NOUN
cblr-2965	283	28	interestingly	interestingly	ADV
cblr-2965	283	29	,	,	PUNCT
cblr-2965	283	30	however	however	ADV
cblr-2965	283	31	,	,	PUNCT
cblr-2965	283	32	the	the	DET
cblr-2965	283	33	ici	ici	NOUN
cblr-2965	283	34	also	also	ADV
cblr-2965	283	35	believes	believe	VERB
cblr-2965	283	36	that	that	SCONJ
cblr-2965	283	37	most	most	ADJ
cblr-2965	283	38	investors	investor	NOUN
cblr-2965	283	39	are	be	AUX
cblr-2965	283	40	receiving	receive	VERB
cblr-2965	283	41	too	too	ADV
cblr-2965	283	42	much	much	ADJ
cblr-2965	283	43	information	information	NOUN
cblr-2965	283	44	about	about	ADP
cblr-2965	283	45	funds	fund	NOUN
cblr-2965	283	46	.	.	PUNCT
cblr-2965	284	1	thus	thus	ADV
cblr-2965	284	2	,	,	PUNCT
cblr-2965	284	3	the	the	DET
cblr-2965	284	4	ici	ici	NOUN
cblr-2965	284	5	has	have	AUX
cblr-2965	284	6	supported	support	VERB
cblr-2965	284	7	steps	step	NOUN
cblr-2965	284	8	taken	take	VERB
cblr-2965	284	9	by	by	ADP
cblr-2965	284	10	the	the	DET
cblr-2965	284	11	sec	sec	PROPN
cblr-2965	284	12	to	to	PART
cblr-2965	284	13	reduce	reduce	VERB
cblr-2965	284	14	,	,	PUNCT
cblr-2965	284	15	summarize	summarize	VERB
cblr-2965	284	16	,	,	PUNCT
cblr-2965	284	17	and	and	CCONJ
cblr-2965	284	18	standardize	standardize	VERB
cblr-2965	284	19	the	the	DET
cblr-2965	284	20	information	information	NOUN
cblr-2965	284	21	in	in	ADP
cblr-2965	284	22	fund	fund	NOUN
cblr-2965	284	23	prospectuses57	prospectuses57	NOUN
cblr-2965	284	24	and	and	CCONJ
cblr-2965	284	25	to	to	PART
cblr-2965	284	26	create	create	VERB
cblr-2965	284	27	even	even	ADV
cblr-2965	284	28	more	more	ADV
cblr-2965	284	29	basic	basic	ADJ
cblr-2965	284	30	disclosure	disclosure	NOUN
cblr-2965	284	31	documents	document	NOUN
cblr-2965	284	32	,	,	PUNCT
cblr-2965	284	33	such	such	ADJ
cblr-2965	284	34	as	as	ADP
cblr-2965	284	35	fund	fund	NOUN
cblr-2965	284	36	profiles	profile	NOUN
cblr-2965	284	37	.	.	PUNCT
cblr-2965	285	1	"8	"8	NOUN
cblr-2965	285	2	in	in	ADP
cblr-2965	285	3	addition	addition	NOUN
cblr-2965	285	4	,	,	PUNCT
cblr-2965	285	5	the	the	DET
cblr-2965	285	6	ici	ici	NOUN
cblr-2965	285	7	has	have	AUX
cblr-2965	285	8	supported	support	VERB
cblr-2965	285	9	sec	sec	PROPN
cblr-2965	285	10	initiatives	initiative	NOUN
cblr-2965	285	11	to	to	PART
cblr-2965	285	12	simplify	simplify	VERB
cblr-2965	285	13	the	the	DET
cblr-2965	285	14	language	language	NOUN
cblr-2965	285	15	used	use	VERB
cblr-2965	285	16	in	in	ADP
cblr-2965	285	17	disclosure	disclosure	NOUN
cblr-2965	285	18	documents	document	NOUN
cblr-2965	285	19	so	so	SCONJ
cblr-2965	285	20	that	that	SCONJ
cblr-2965	285	21	investors	investor	NOUN
cblr-2965	285	22	can	can	AUX
cblr-2965	285	23	better	well	ADV
cblr-2965	285	24	understand	understand	VERB
cblr-2965	285	25	them.59	them.59	PROPN
cblr-2965	285	26	56	56	NUM
cblr-2965	285	27	murphy	murphy	NOUN
cblr-2965	285	28	,	,	PUNCT
cblr-2965	285	29	supra	supra	PROPN
cblr-2965	285	30	note	note	PROPN
cblr-2965	285	31	49	49	NUM
cblr-2965	285	32	(	(	PUNCT
cblr-2965	285	33	"	"	PUNCT
cblr-2965	285	34	mutual	mutual	ADJ
cblr-2965	285	35	funds	fund	NOUN
cblr-2965	285	36	are	be	AUX
cblr-2965	285	37	arguably	arguably	ADV
cblr-2965	285	38	the	the	DET
cblr-2965	285	39	most	most	ADV
cblr-2965	285	40	scrutinized	scrutinize	VERB
cblr-2965	285	41	,	,	PUNCT
cblr-2965	285	42	regulated	regulate	VERB
cblr-2965	285	43	,	,	PUNCT
cblr-2965	285	44	and	and	CCONJ
cblr-2965	285	45	transparent	transparent	ADJ
cblr-2965	285	46	products	product	NOUN
cblr-2965	285	47	in	in	ADP
cblr-2965	285	48	financial	financial	ADJ
cblr-2965	285	49	history	history	NOUN
cblr-2965	285	50	.	.	PUNCT
cblr-2965	286	1	our	our	PRON
cblr-2965	286	2	industry	industry	NOUN
cblr-2965	286	3	features	feature	VERB
cblr-2965	286	4	a	a	DET
cblr-2965	286	5	large	large	ADJ
cblr-2965	286	6	number	number	NOUN
cblr-2965	286	7	of	of	ADP
cblr-2965	286	8	firms	firm	NOUN
cblr-2965	286	9	,	,	PUNCT
cblr-2965	286	10	all	all	PRON
cblr-2965	286	11	competing	compete	VERB
cblr-2965	286	12	for	for	ADP
cblr-2965	286	13	investors	investor	NOUN
cblr-2965	286	14	'	'	PART
cblr-2965	286	15	loyalty	loyalty	NOUN
cblr-2965	286	16	.	.	PUNCT
cblr-2965	287	1	barriers	barrier	NOUN
cblr-2965	287	2	to	to	ADP
cblr-2965	287	3	entry	entry	NOUN
cblr-2965	287	4	are	be	AUX
cblr-2965	287	5	low	low	ADJ
cblr-2965	287	6	and	and	CCONJ
cblr-2965	287	7	information	information	NOUN
cblr-2965	287	8	to	to	PART
cblr-2965	287	9	compare	compare	VERB
cblr-2965	287	10	competing	compete	VERB
cblr-2965	287	11	products	product	NOUN
cblr-2965	287	12	is	be	AUX
cblr-2965	287	13	widely	widely	ADV
cblr-2965	287	14	available	available	ADJ
cblr-2965	287	15	.	.	PUNCT
cblr-2965	287	16	"	"	PUNCT
cblr-2965	287	17	)	)	PUNCT
cblr-2965	287	18	.	.	PUNCT
cblr-2965	288	1	"	"	PUNCT
cblr-2965	288	2	see	see	VERB
cblr-2965	288	3	,	,	PUNCT
cblr-2965	288	4	e.g.	e.g.	ADV
cblr-2965	288	5	,	,	PUNCT
cblr-2965	288	6	letter	letter	NOUN
cblr-2965	288	7	from	from	ADP
cblr-2965	288	8	paul	paul	PROPN
cblr-2965	288	9	schott	schott	PROPN
cblr-2965	288	10	stevens	stevens	PROPN
cblr-2965	288	11	,	,	PUNCT
cblr-2965	288	12	senior	senior	ADJ
cblr-2965	288	13	vice	vice	NOUN
cblr-2965	288	14	president	president	NOUN
cblr-2965	288	15	&	&	CCONJ
cblr-2965	288	16	gen	gen	PROPN
cblr-2965	288	17	.	.	PROPN
cblr-2965	288	18	counsel	counsel	PROPN
cblr-2965	288	19	,	,	PUNCT
cblr-2965	288	20	investment	investment	NOUN
cblr-2965	288	21	company	company	NOUN
cblr-2965	288	22	institute	institute	NOUN
cblr-2965	288	23	,	,	PUNCT
cblr-2965	288	24	to	to	ADP
cblr-2965	288	25	jonathan	jonathan	PROPN
cblr-2965	288	26	g.	g.	PROPN
cblr-2965	288	27	katz	katz	PROPN
cblr-2965	288	28	,	,	PUNCT
cblr-2965	288	29	sec'y	sec'y	PROPN
cblr-2965	288	30	,	,	PUNCT
cblr-2965	288	31	sec	sec	PROPN
cblr-2965	288	32	.	.	PROPN
cblr-2965	288	33	&	&	CCONJ
cblr-2965	288	34	exch	exch	PROPN
cblr-2965	288	35	.	.	PUNCT
cblr-2965	289	1	comm'n	comm'n	PUNCT
cblr-2965	289	2	(	(	PUNCT
cblr-2965	289	3	june	june	PROPN
cblr-2965	289	4	9	9	NUM
cblr-2965	289	5	,	,	PUNCT
cblr-2965	289	6	1997	1997	NUM
cblr-2965	289	7	)	)	PUNCT
cblr-2965	289	8	,	,	PUNCT
cblr-2965	289	9	available	available	ADJ
cblr-2965	289	10	at	at	ADP
cblr-2965	289	11	http://www.ici	http://www.ici	PROPN
cblr-2965	289	12	.	.	PUNCT
cblr-2965	290	1	orglstatements	orglstatement	NOUN
cblr-2965	290	2	/	/	SYM
cblr-2965	290	3	cmltr/97_sec	cmltr/97_sec	PROPN
cblr-2965	290	4	formnlacom.html	formnlacom.html	SYM
cblr-2965	290	5	[	[	PUNCT
cblr-2965	290	6	hereinafter	hereinafter	NOUN
cblr-2965	290	7	stevenskatz	stevenskatz	ADJ
cblr-2965	290	8	letter	letter	PROPN
cblr-2965	290	9	]	]	PUNCT
cblr-2965	290	10	(	(	PUNCT
cblr-2965	290	11	supporting	support	VERB
cblr-2965	290	12	the	the	DET
cblr-2965	290	13	sec	sec	PROPN
cblr-2965	290	14	's	's	PART
cblr-2965	290	15	proposal	proposal	NOUN
cblr-2965	290	16	to	to	PART
cblr-2965	290	17	require	require	VERB
cblr-2965	290	18	the	the	DET
cblr-2965	290	19	prospectus	prospectus	NOUN
cblr-2965	290	20	to	to	PART
cblr-2965	290	21	contain	contain	VERB
cblr-2965	290	22	a	a	DET
cblr-2965	290	23	standardized	standardized	ADJ
cblr-2965	290	24	risk	risk	NOUN
cblr-2965	290	25	/	/	SYM
cblr-2965	290	26	return	return	NOUN
cblr-2965	290	27	summary	summary	NOUN
cblr-2965	290	28	because	because	SCONJ
cblr-2965	290	29	the	the	DET
cblr-2965	290	30	ici	ici	NOUN
cblr-2965	290	31	"	"	PUNCT
cblr-2965	290	32	believe[s	believe[s	PROPN
cblr-2965	290	33	]	]	X
cblr-2965	290	34	the	the	DET
cblr-2965	290	35	summary	summary	NOUN
cblr-2965	290	36	will	will	AUX
cblr-2965	290	37	assist	assist	VERB
cblr-2965	290	38	investors	investor	NOUN
cblr-2965	290	39	both	both	CCONJ
cblr-2965	290	40	in	in	ADP
cblr-2965	290	41	understanding	understand	VERB
cblr-2965	290	42	the	the	DET
cblr-2965	290	43	key	key	ADJ
cblr-2965	290	44	features	feature	NOUN
cblr-2965	290	45	of	of	ADP
cblr-2965	290	46	a	a	DET
cblr-2965	290	47	particular	particular	ADJ
cblr-2965	290	48	fund	fund	NOUN
cblr-2965	290	49	and	and	CCONJ
cblr-2965	290	50	in	in	ADP
cblr-2965	290	51	comparing	compare	VERB
cblr-2965	290	52	different	different	ADJ
cblr-2965	290	53	funds	fund	NOUN
cblr-2965	290	54	"	"	PUNCT
cblr-2965	290	55	)	)	PUNCT
cblr-2965	290	56	.	.	PUNCT
cblr-2965	291	1	in	in	ADP
cblr-2965	291	2	addition	addition	NOUN
cblr-2965	291	3	,	,	PUNCT
cblr-2965	291	4	the	the	DET
cblr-2965	291	5	ici	ici	NOUN
cblr-2965	291	6	has	have	AUX
cblr-2965	291	7	supported	support	VERB
cblr-2965	291	8	changes	change	NOUN
cblr-2965	291	9	to	to	ADP
cblr-2965	291	10	the	the	DET
cblr-2965	291	11	prospectus	prospectus	NOUN
cblr-2965	291	12	"	"	PUNCT
cblr-2965	291	13	to	to	PART
cblr-2965	291	14	minimize	minimize	VERB
cblr-2965	291	15	potential	potential	ADJ
cblr-2965	291	16	investor	investor	NOUN
cblr-2965	291	17	confusion	confusion	NOUN
cblr-2965	291	18	and	and	CCONJ
cblr-2965	291	19	to	to	PART
cblr-2965	291	20	avoid	avoid	VERB
cblr-2965	291	21	unnecessary	unnecessary	ADJ
cblr-2965	291	22	clutter	clutter	NOUN
cblr-2965	291	23	.	.	PUNCT
cblr-2965	291	24	"	"	PUNCT
cblr-2965	292	1	i	i	PRON
cblr-2965	292	2	d.	d.	PROPN
cblr-2965	292	3	'	'	PUNCT
cblr-2965	293	1	i	i	PROPN
cblr-2965	293	2	d.	d.	PROPN
cblr-2965	293	3	;	;	PUNCT
cblr-2965	293	4	letter	letter	NOUN
cblr-2965	293	5	from	from	ADP
cblr-2965	293	6	paul	paul	PROPN
cblr-2965	293	7	schott	schott	PROPN
cblr-2965	293	8	stevens	stevens	PROPN
cblr-2965	293	9	,	,	PUNCT
cblr-2965	293	10	senior	senior	ADJ
cblr-2965	293	11	vice	vice	NOUN
cblr-2965	293	12	president	president	NOUN
cblr-2965	293	13	&	&	CCONJ
cblr-2965	293	14	gen	gen	PROPN
cblr-2965	293	15	.	.	PROPN
cblr-2965	293	16	counsel	counsel	PROPN
cblr-2965	293	17	,	,	PUNCT
cblr-2965	293	18	investment	investment	NOUN
cblr-2965	293	19	company	company	NOUN
cblr-2965	293	20	institute	institute	NOUN
cblr-2965	293	21	,	,	PUNCT
cblr-2965	293	22	to	to	PART
cblr-2965	293	23	barry	barry	PROPN
cblr-2965	293	24	p.	p.	PROPN
cblr-2965	293	25	barbash	barbash	PROPN
cblr-2965	293	26	,	,	PUNCT
cblr-2965	293	27	dir	dir	PROPN
cblr-2965	293	28	.	.	PROPN
cblr-2965	293	29	,	,	PUNCT
cblr-2965	293	30	div	div	PROPN
cblr-2965	293	31	.	.	PUNCT
cblr-2965	294	1	of	of	ADP
cblr-2965	294	2	inv	inv	PROPN
cblr-2965	294	3	.	.	PUNCT
cblr-2965	295	1	mgmt	mgmt	PROPN
cblr-2965	295	2	.	.	PROPN
cblr-2965	295	3	,	,	PUNCT
cblr-2965	295	4	sec	sec	PROPN
cblr-2965	295	5	.	.	PROPN
cblr-2965	295	6	&	&	CCONJ
cblr-2965	295	7	exch	exch	PROPN
cblr-2965	295	8	.	.	PUNCT
cblr-2965	296	1	comm'n	comm'n	PUNCT
cblr-2965	296	2	(	(	PUNCT
cblr-2965	296	3	may	may	PROPN
cblr-2965	296	4	20	20	NUM
cblr-2965	296	5	,	,	PUNCT
cblr-2965	296	6	1996	1996	NUM
cblr-2965	296	7	)	)	PUNCT
cblr-2965	296	8	,	,	PUNCT
cblr-2965	296	9	available	available	ADJ
cblr-2965	296	10	at	at	ADP
cblr-2965	296	11	http://www.ici.org/statements/cmltr/96_sec-profile-prospcom2.html	http://www.ici.org/statements/cmltr/96_sec-profile-prospcom2.html	X
cblr-2965	297	1	[	[	X
cblr-2965	297	2	hereinafter	hereinafter	NOUN
cblr-2965	297	3	stevens	steven	NOUN
cblr-2965	297	4	-	-	PUNCT
cblr-2965	297	5	barbash	barbash	NOUN
cblr-2965	297	6	letter	letter	NOUN
cblr-2965	297	7	]	]	PUNCT
cblr-2965	297	8	(	(	PUNCT
cblr-2965	297	9	stating	state	VERB
cblr-2965	297	10	that	that	SCONJ
cblr-2965	297	11	ici	ici	NOUN
cblr-2965	297	12	and	and	CCONJ
cblr-2965	297	13	mutual	mutual	ADJ
cblr-2965	297	14	fund	fund	NOUN
cblr-2965	297	15	complexes	complex	NOUN
cblr-2965	297	16	'	'	PART
cblr-2965	297	17	research	research	NOUN
cblr-2965	297	18	found	find	VERB
cblr-2965	297	19	that	that	SCONJ
cblr-2965	297	20	"	"	PUNCT
cblr-2965	297	21	substantially	substantially	ADV
cblr-2965	297	22	more	more	ADJ
cblr-2965	297	23	shareholders	shareholder	NOUN
cblr-2965	297	24	are	be	AUX
cblr-2965	297	25	likely	likely	ADJ
cblr-2965	297	26	to	to	PART
cblr-2965	297	27	actually	actually	ADV
cblr-2965	297	28	read	read	VERB
cblr-2965	297	29	the	the	DET
cblr-2965	297	30	profile	profile	ADJ
cblr-2965	297	31	prospectus	prospectus	NOUN
cblr-2965	297	32	than	than	ADP
cblr-2965	297	33	the	the	DET
cblr-2965	297	34	traditional	traditional	ADJ
cblr-2965	297	35	prospectus	prospectus	NOUN
cblr-2965	297	36	because	because	SCONJ
cblr-2965	297	37	the	the	DET
cblr-2965	297	38	profile	profile	NOUN
cblr-2965	297	39	provides	provide	VERB
cblr-2965	297	40	the	the	DET
cblr-2965	297	41	information	information	NOUN
cblr-2965	297	42	they	they	PRON
cblr-2965	297	43	need	need	VERB
cblr-2965	297	44	more	more	ADV
cblr-2965	297	45	succinctly	succinctly	ADV
cblr-2965	297	46	,	,	PUNCT
cblr-2965	297	47	in	in	ADP
cblr-2965	297	48	a	a	DET
cblr-2965	297	49	way	way	NOUN
cblr-2965	297	50	they	they	PRON
cblr-2965	297	51	can	can	AUX
cblr-2965	297	52	more	more	ADV
cblr-2965	297	53	readily	readily	ADV
cblr-2965	297	54	understand	understand	VERB
cblr-2965	297	55	,	,	PUNCT
cblr-2965	297	56	and	and	CCONJ
cblr-2965	297	57	in	in	ADP
cblr-2965	297	58	a	a	DET
cblr-2965	297	59	format	format	NOUN
cblr-2965	297	60	they	they	PRON
cblr-2965	297	61	can	can	AUX
cblr-2965	297	62	more	more	ADV
cblr-2965	297	63	easily	easily	ADV
cblr-2965	297	64	use	use	VERB
cblr-2965	297	65	.	.	PUNCT
cblr-2965	297	66	"	"	PUNCT
cblr-2965	297	67	)	)	PUNCT
cblr-2965	297	68	.	.	PUNCT
cblr-2965	297	69	"	"	PUNCT
cblr-2965	298	1	for	for	ADP
cblr-2965	298	2	example	example	NOUN
cblr-2965	298	3	,	,	PUNCT
cblr-2965	298	4	the	the	DET
cblr-2965	298	5	ici	ici	NOUN
cblr-2965	298	6	supported	support	VERB
cblr-2965	298	7	the	the	DET
cblr-2965	298	8	sec	sec	PROPN
cblr-2965	298	9	's	's	PART
cblr-2965	298	10	requiring	require	VERB
cblr-2965	298	11	that	that	SCONJ
cblr-2965	298	12	the	the	DET
cblr-2965	298	13	risk	risk	NOUN
cblr-2965	298	14	/	/	SYM
cblr-2965	298	15	return	return	NOUN
cblr-2965	298	16	summary	summary	NOUN
cblr-2965	298	17	be	be	AUX
cblr-2965	298	18	written	write	VERB
cblr-2965	298	19	in	in	ADP
cblr-2965	298	20	"	"	PUNCT
cblr-2965	298	21	plain	plain	ADJ
cblr-2965	298	22	english	english	PROPN
cblr-2965	298	23	.	.	PUNCT
cblr-2965	298	24	"	"	PUNCT
cblr-2965	299	1	review	review	NOUN
cblr-2965	299	2	of	of	ADP
cblr-2965	299	3	current	current	ADJ
cblr-2965	299	4	investigations	investigation	NOUN
cblr-2965	299	5	and	and	CCONJ
cblr-2965	299	6	regulatory	regulatory	ADJ
cblr-2965	299	7	actions	action	NOUN
cblr-2965	299	8	regarding	regard	VERB
cblr-2965	299	9	the	the	DET
cblr-2965	299	10	mutual	mutual	ADJ
cblr-2965	299	11	fund	fund	NOUN
cblr-2965	299	12	industry	industry	NOUN
cblr-2965	299	13	:	:	PUNCT
cblr-2965	299	14	fund	fund	NOUN
cblr-2965	299	15	costs	cost	NOUN
cblr-2965	299	16	and	and	CCONJ
cblr-2965	299	17	distribution	distribution	NOUN
cblr-2965	299	18	practices	practice	NOUN
cblr-2965	299	19	:	:	PUNCT
cblr-2965	299	20	before	before	ADP
cblr-2965	299	21	the	the	DET
cblr-2965	299	22	s.	s.	PROPN
cblr-2965	299	23	comm	comm	NOUN
cblr-2965	299	24	.	.	PUNCT
cblr-2965	300	1	on	on	ADP
cblr-2965	300	2	banking	banking	NOUN
cblr-2965	300	3	,	,	PUNCT
cblr-2965	300	4	housing	housing	NOUN
cblr-2965	300	5	,	,	PUNCT
cblr-2965	300	6	and	and	CCONJ
cblr-2965	300	7	urban	urban	PROPN
cblr-2965	300	8	affairs	affair	NOUN
cblr-2965	300	9	,	,	PUNCT
cblr-2965	300	10	108th	108th	ADJ
cblr-2965	300	11	cong	cong	NOUN
cblr-2965	300	12	.	.	PUNCT
cblr-2965	300	13	32	32	NUM
cblr-2965	300	14	(	(	PUNCT
cblr-2965	300	15	mar	mar	PROPN
cblr-2965	300	16	.	.	PROPN
cblr-2965	300	17	31	31	NUM
cblr-2965	300	18	,	,	PUNCT
cblr-2965	300	19	2004	2004	NUM
cblr-2965	300	20	)	)	PUNCT
cblr-2965	300	21	(	(	PUNCT
cblr-2965	300	22	statement	statement	NOUN
cblr-2965	300	23	of	of	ADP
cblr-2965	300	24	paul	paul	PROPN
cblr-2965	300	25	g.	g.	PROPN
cblr-2965	300	26	haaga	haaga	PROPN
cblr-2965	300	27	,	,	PUNCT
cblr-2965	300	28	jr	jr	PROPN
cblr-2965	300	29	.	.	PROPN
cblr-2965	300	30	,	,	PUNCT
cblr-2965	300	31	chairman	chairman	NOUN
cblr-2965	300	32	,	,	PUNCT
cblr-2965	300	33	investment	investment	NOUN
cblr-2965	300	34	no	no	NOUN
cblr-2965	300	35	.	.	PUNCT
cblr-2965	301	1	3:934	3:934	X
cblr-2965	301	2	]	]	X
cblr-2965	301	3	the	the	DET
cblr-2965	301	4	ici	ici	NOUN
cblr-2965	301	5	supports	support	VERB
cblr-2965	301	6	such	such	ADJ
cblr-2965	301	7	disclosure	disclosure	NOUN
cblr-2965	301	8	reforms	reform	NOUN
cblr-2965	301	9	because	because	SCONJ
cblr-2965	301	10	it	it	PRON
cblr-2965	301	11	believes	believe	VERB
cblr-2965	301	12	that	that	SCONJ
cblr-2965	301	13	investors	investor	NOUN
cblr-2965	301	14	are	be	AUX
cblr-2965	301	15	more	more	ADV
cblr-2965	301	16	likely	likely	ADJ
cblr-2965	301	17	to	to	PART
cblr-2965	301	18	read	read	VERB
cblr-2965	301	19	and	and	CCONJ
cblr-2965	301	20	understand	understand	VERB
cblr-2965	301	21	simplified	simplified	ADJ
cblr-2965	301	22	and	and	CCONJ
cblr-2965	301	23	standardized	standardized	ADJ
cblr-2965	301	24	information.6	information.6	NOUN
cblr-2965	301	25	"	"	PUNCT
cblr-2965	301	26	in	in	ADP
cblr-2965	301	27	fact	fact	NOUN
cblr-2965	301	28	,	,	PUNCT
cblr-2965	301	29	the	the	DET
cblr-2965	301	30	ici	ici	NOUN
cblr-2965	301	31	has	have	AUX
cblr-2965	301	32	called	call	VERB
cblr-2965	301	33	for	for	ADP
cblr-2965	301	34	even	even	ADV
cblr-2965	301	35	simpler	simple	ADJ
cblr-2965	301	36	disclosure	disclosure	NOUN
cblr-2965	301	37	than	than	SCONJ
cblr-2965	301	38	has	have	AUX
cblr-2965	301	39	been	be	AUX
cblr-2965	301	40	adopted	adopt	VERB
cblr-2965	301	41	by	by	ADP
cblr-2965	301	42	the	the	DET
cblr-2965	301	43	sec	sec	PROPN
cblr-2965	301	44	so	so	ADV
cblr-2965	301	45	far.61	far.61	PROPN
cblr-2965	301	46	paul	paul	PROPN
cblr-2965	301	47	schott	schott	PROPN
cblr-2965	301	48	stevens	stevens	PROPN
cblr-2965	301	49	,	,	PUNCT
cblr-2965	301	50	the	the	DET
cblr-2965	301	51	ici	ici	NOUN
cblr-2965	301	52	's	's	PART
cblr-2965	301	53	president	president	NOUN
cblr-2965	301	54	,	,	PUNCT
cblr-2965	301	55	recently	recently	ADV
cblr-2965	301	56	suggested	suggest	VERB
cblr-2965	301	57	that	that	SCONJ
cblr-2965	301	58	investors	investor	NOUN
cblr-2965	301	59	receive	receive	VERB
cblr-2965	301	60	"	"	PUNCT
cblr-2965	301	61	something	something	PRON
cblr-2965	301	62	like	like	ADP
cblr-2965	301	63	a	a	DET
cblr-2965	301	64	quick	quick	ADJ
cblr-2965	301	65	-	-	PUNCT
cblr-2965	301	66	start	start	NOUN
cblr-2965	301	67	guide	guide	NOUN
cblr-2965	301	68	[	[	X
cblr-2965	301	69	similar	similar	ADJ
cblr-2965	301	70	to	to	ADP
cblr-2965	301	71	what	what	PRON
cblr-2965	301	72	is	be	AUX
cblr-2965	301	73	provided	provide	VERB
cblr-2965	301	74	with	with	ADP
cblr-2965	301	75	some	some	DET
cblr-2965	301	76	electronic	electronic	ADJ
cblr-2965	301	77	equipment	equipment	NOUN
cblr-2965	301	78	]	]	PUNCT
cblr-2965	301	79	when	when	SCONJ
cblr-2965	301	80	they	they	PRON
cblr-2965	301	81	buy	buy	VERB
cblr-2965	301	82	fund	fund	NOUN
cblr-2965	301	83	shares	share	NOUN
cblr-2965	301	84	.	.	PUNCT
cblr-2965	302	1	"62	"62	PUNCT
cblr-2965	303	1	this	this	DET
cblr-2965	303	2	guide	guide	NOUN
cblr-2965	303	3	would	would	AUX
cblr-2965	303	4	be	be	AUX
cblr-2965	303	5	a	a	DET
cblr-2965	303	6	"	"	PUNCT
cblr-2965	303	7	clear	clear	ADJ
cblr-2965	303	8	,	,	PUNCT
cblr-2965	303	9	concise	concise	ADJ
cblr-2965	303	10	document	document	NOUN
cblr-2965	303	11	that	that	PRON
cblr-2965	303	12	highlights	highlight	VERB
cblr-2965	303	13	the	the	DET
cblr-2965	303	14	key	key	ADJ
cblr-2965	303	15	information	information	NOUN
cblr-2965	303	16	that	that	PRON
cblr-2965	303	17	a	a	DET
cblr-2965	303	18	fund	fund	NOUN
cblr-2965	303	19	buyer	buyer	NOUN
cblr-2965	303	20	wants	want	VERB
cblr-2965	303	21	and	and	CCONJ
cblr-2965	303	22	needs	need	NOUN
cblr-2965	303	23	,	,	PUNCT
cblr-2965	303	24	in	in	ADP
cblr-2965	303	25	an	an	DET
cblr-2965	303	26	easy	easy	ADJ
cblr-2965	303	27	-	-	PUNCT
cblr-2965	303	28	to	to	PART
cblr-2965	303	29	-	-	PUNCT
cblr-2965	303	30	understand	understand	VERB
cblr-2965	303	31	form	form	NOUN
cblr-2965	303	32	.	.	PUNCT
cblr-2965	304	1	"6	"6	VERB
cblr-2965	304	2	"	"	PUNCT
cblr-2965	304	3	the	the	DET
cblr-2965	304	4	ici	ici	NOUN
cblr-2965	304	5	,	,	PUNCT
cblr-2965	304	6	however	however	ADV
cblr-2965	304	7	,	,	PUNCT
cblr-2965	304	8	has	have	AUX
cblr-2965	304	9	sometimes	sometimes	ADV
cblr-2965	304	10	opposed	oppose	VERB
cblr-2965	304	11	disclosure	disclosure	NOUN
cblr-2965	304	12	reforms	reform	NOUN
cblr-2965	304	13	on	on	ADP
cblr-2965	304	14	the	the	DET
cblr-2965	304	15	grounds	ground	NOUN
cblr-2965	304	16	that	that	SCONJ
cblr-2965	304	17	investors	investor	NOUN
cblr-2965	304	18	can	can	AUX
cblr-2965	304	19	obtain	obtain	VERB
cblr-2965	304	20	the	the	DET
cblr-2965	304	21	information	information	NOUN
cblr-2965	304	22	from	from	ADP
cblr-2965	304	23	other	other	ADJ
cblr-2965	304	24	sources	source	NOUN
cblr-2965	304	25	.	.	PUNCT
cblr-2965	305	1	for	for	ADP
cblr-2965	305	2	example	example	NOUN
cblr-2965	305	3	,	,	PUNCT
cblr-2965	305	4	the	the	DET
cblr-2965	305	5	ici	ici	PROPN
cblr-2965	305	6	company	company	PROPN
cblr-2965	305	7	institute	institute	PROPN
cblr-2965	305	8	)	)	PUNCT
cblr-2965	305	9	,	,	PUNCT
cblr-2965	305	10	available	available	ADJ
cblr-2965	305	11	at	at	ADP
cblr-2965	305	12	http://banking.senate.gov/public/_filer	http://banking.senate.gov/public/_filer	ADJ
cblr-2965	305	13	/haaga	/haaga	NOUN
cblr-2965	305	14	/	/	SYM
cblr-2965	305	15	pdf	pdf	NOUN
cblr-2965	305	16	.	.	PUNCT
cblr-2965	306	1	in	in	ADP
cblr-2965	306	2	addition	addition	NOUN
cblr-2965	306	3	,	,	PUNCT
cblr-2965	306	4	the	the	DET
cblr-2965	306	5	ici	ici	NOUN
cblr-2965	306	6	recommended	recommend	VERB
cblr-2965	306	7	that	that	SCONJ
cblr-2965	306	8	the	the	DET
cblr-2965	306	9	sec	sec	PROPN
cblr-2965	306	10	require	require	VERB
cblr-2965	306	11	that	that	SCONJ
cblr-2965	306	12	,	,	PUNCT
cblr-2965	306	13	in	in	ADP
cblr-2965	306	14	drafting	draft	VERB
cblr-2965	306	15	a	a	DET
cblr-2965	306	16	fund	fund	NOUN
cblr-2965	306	17	profile	profile	NOUN
cblr-2965	306	18	,	,	PUNCT
cblr-2965	306	19	"	"	PUNCT
cblr-2965	306	20	mutual	mutual	ADJ
cblr-2965	306	21	funds	fund	NOUN
cblr-2965	306	22	,	,	PUNCT
cblr-2965	306	23	to	to	ADP
cblr-2965	306	24	the	the	DET
cblr-2965	306	25	extent	extent	NOUN
cblr-2965	306	26	possible	possible	ADJ
cblr-2965	306	27	,	,	PUNCT
cblr-2965	306	28	use	use	VERB
cblr-2965	306	29	language	language	NOUN
cblr-2965	306	30	that	that	SCONJ
cblr-2965	306	31	a	a	DET
cblr-2965	306	32	typical	typical	ADJ
cblr-2965	306	33	investor	investor	NOUN
cblr-2965	306	34	would	would	AUX
cblr-2965	306	35	understand	understand	VERB
cblr-2965	306	36	and	and	CCONJ
cblr-2965	306	37	avoid	avoid	VERB
cblr-2965	306	38	the	the	DET
cblr-2965	306	39	use	use	NOUN
cblr-2965	306	40	of	of	ADP
cblr-2965	306	41	technical	technical	ADJ
cblr-2965	306	42	terms	term	NOUN
cblr-2965	306	43	and	and	CCONJ
cblr-2965	306	44	the	the	DET
cblr-2965	306	45	relegation	relegation	NOUN
cblr-2965	306	46	of	of	ADP
cblr-2965	306	47	critical	critical	ADJ
cblr-2965	306	48	information	information	NOUN
cblr-2965	306	49	to	to	ADP
cblr-2965	306	50	footnotes	footnote	NOUN
cblr-2965	306	51	.	.	PUNCT
cblr-2965	306	52	"	"	PUNCT
cblr-2965	307	1	stevens	stevens	PROPN
cblr-2965	307	2	-	-	PUNCT
cblr-2965	307	3	barbash	barbash	NOUN
cblr-2965	307	4	letter	letter	NOUN
cblr-2965	307	5	,	,	PUNCT
cblr-2965	307	6	supra	supra	PROPN
cblr-2965	307	7	note	note	NOUN
cblr-2965	307	8	58	58	NUM
cblr-2965	307	9	.	.	PUNCT
cblr-2965	308	1	60	60	NUM
cblr-2965	308	2	letter	letter	NOUN
cblr-2965	308	3	from	from	ADP
cblr-2965	308	4	paul	paul	PROPN
cblr-2965	308	5	schott	schott	PROPN
cblr-2965	308	6	stevens	stevens	PROPN
cblr-2965	308	7	,	,	PUNCT
cblr-2965	308	8	senior	senior	ADJ
cblr-2965	308	9	vice	vice	NOUN
cblr-2965	308	10	president	president	NOUN
cblr-2965	308	11	&	&	CCONJ
cblr-2965	308	12	gen	gen	PROPN
cblr-2965	308	13	.	.	PROPN
cblr-2965	308	14	counsel	counsel	PROPN
cblr-2965	308	15	,	,	PUNCT
cblr-2965	308	16	investment	investment	NOUN
cblr-2965	308	17	company	company	NOUN
cblr-2965	308	18	institute	institute	NOUN
cblr-2965	308	19	,	,	PUNCT
cblr-2965	308	20	to	to	ADP
cblr-2965	308	21	jonathan	jonathan	PROPN
cblr-2965	308	22	g.	g.	PROPN
cblr-2965	308	23	katz	katz	PROPN
cblr-2965	308	24	,	,	PUNCT
cblr-2965	308	25	sec'y	sec'y	PROPN
cblr-2965	308	26	,	,	PUNCT
cblr-2965	308	27	sec	sec	PROPN
cblr-2965	308	28	.	.	PROPN
cblr-2965	308	29	&	&	CCONJ
cblr-2965	308	30	exch	exch	PROPN
cblr-2965	308	31	.	.	PUNCT
cblr-2965	309	1	comm'n	comm'n	PUNCT
cblr-2965	309	2	(	(	PUNCT
cblr-2965	309	3	june	june	PROPN
cblr-2965	309	4	9	9	NUM
cblr-2965	309	5	,	,	PUNCT
cblr-2965	309	6	1997	1997	NUM
cblr-2965	309	7	)	)	PUNCT
cblr-2965	309	8	,	,	PUNCT
cblr-2965	309	9	available	available	ADJ
cblr-2965	309	10	at	at	ADP
cblr-2965	309	11	http://www.ici.org/	http://www.ici.org/	PROPN
cblr-2965	309	12	statements	statement	NOUN
cblr-2965	309	13	/	/	SYM
cblr-2965	309	14	cmltr/97	cmltr/97	ADJ
cblr-2965	309	15	sec	sec	PROPN
cblr-2965	309	16	fund-profile-com.html	fund-profile-com.html	PROPN
cblr-2965	309	17	(	(	PUNCT
cblr-2965	309	18	"	"	PUNCT
cblr-2965	309	19	[	[	X
cblr-2965	309	20	b]y	b]y	NOUN
cblr-2965	309	21	adopting	adopt	VERB
cblr-2965	309	22	the	the	DET
cblr-2965	309	23	profile	profile	NOUN
cblr-2965	309	24	,	,	PUNCT
cblr-2965	309	25	the	the	DET
cblr-2965	309	26	commission	commission	NOUN
cblr-2965	309	27	would	would	AUX
cblr-2965	309	28	address	address	VERB
cblr-2965	309	29	the	the	DET
cblr-2965	309	30	clear	clear	ADJ
cblr-2965	309	31	need	need	NOUN
cblr-2965	309	32	for	for	ADP
cblr-2965	309	33	a	a	DET
cblr-2965	309	34	fund	fund	NOUN
cblr-2965	309	35	disclosure	disclosure	NOUN
cblr-2965	309	36	document	document	NOUN
cblr-2965	309	37	that	that	PRON
cblr-2965	309	38	many	many	ADJ
cblr-2965	309	39	more	more	ADJ
cblr-2965	309	40	of	of	ADP
cblr-2965	309	41	today	today	NOUN
cblr-2965	309	42	's	's	PART
cblr-2965	309	43	sixty	sixty	NUM
cblr-2965	309	44	-	-	PUNCT
cblr-2965	309	45	three	three	NUM
cblr-2965	309	46	million	million	NUM
cblr-2965	309	47	fund	fund	NOUN
cblr-2965	309	48	shareholders	shareholder	NOUN
cblr-2965	309	49	actually	actually	ADV
cblr-2965	309	50	will	will	AUX
cblr-2965	309	51	read	read	VERB
cblr-2965	309	52	and	and	CCONJ
cblr-2965	309	53	use	use	VERB
cblr-2965	309	54	in	in	ADP
cblr-2965	309	55	making	make	VERB
cblr-2965	309	56	investment	investment	NOUN
cblr-2965	309	57	decisions	decision	NOUN
cblr-2965	309	58	.	.	PUNCT
cblr-2965	310	1	"	"	PUNCT
cblr-2965	310	2	)	)	PUNCT
cblr-2965	310	3	.	.	PUNCT
cblr-2965	311	1	61	61	NUM
cblr-2965	311	2	paul	paul	PROPN
cblr-2965	311	3	schott	schott	PROPN
cblr-2965	311	4	stevens	stevens	PROPN
cblr-2965	311	5	,	,	PUNCT
cblr-2965	311	6	president	president	NOUN
cblr-2965	311	7	,	,	PUNCT
cblr-2965	311	8	investment	investment	NOUN
cblr-2965	311	9	company	company	NOUN
cblr-2965	311	10	institute	institute	NOUN
cblr-2965	311	11	,	,	PUNCT
cblr-2965	311	12	remarks	remark	VERB
cblr-2965	311	13	at	at	ADP
cblr-2965	311	14	the	the	DET
cblr-2965	311	15	national	national	PROPN
cblr-2965	311	16	press	press	NOUN
cblr-2965	311	17	club	club	NOUN
cblr-2965	311	18	:	:	PUNCT
cblr-2965	311	19	revolution	revolution	NOUN
cblr-2965	311	20	in	in	ADP
cblr-2965	311	21	real	real	ADJ
cblr-2965	311	22	time	time	NOUN
cblr-2965	311	23	:	:	PUNCT
cblr-2965	311	24	using	use	VERB
cblr-2965	311	25	the	the	DET
cblr-2965	311	26	internet	internet	NOUN
cblr-2965	311	27	to	to	PART
cblr-2965	311	28	inform	inform	VERB
cblr-2965	311	29	investors	investor	NOUN
cblr-2965	311	30	better	well	ADV
cblr-2965	311	31	(	(	PUNCT
cblr-2965	311	32	feb	feb	PROPN
cblr-2965	311	33	.	.	PROPN
cblr-2965	311	34	14	14	NUM
cblr-2965	311	35	,	,	PUNCT
cblr-2965	311	36	2006	2006	NUM
cblr-2965	311	37	)	)	PUNCT
cblr-2965	311	38	(	(	PUNCT
cblr-2965	311	39	transcript	transcript	NOUN
cblr-2965	311	40	available	available	ADJ
cblr-2965	311	41	at	at	ADP
cblr-2965	311	42	http://www.ici.org/statements/remarks/06_npcstevens	http://www.ici.org/statements/remarks/06_npcsteven	NOUN
cblr-2965	311	43	_	_	PRON
cblr-2965	311	44	spch.html#topofpage	spch.html#topofpage	NOUN
cblr-2965	311	45	)	)	PUNCT
cblr-2965	311	46	(	(	PUNCT
cblr-2965	311	47	"	"	PUNCT
cblr-2965	311	48	there	there	PRON
cblr-2965	311	49	is	be	VERB
cblr-2965	311	50	widespread	widespread	ADJ
cblr-2965	311	51	agreement	agreement	NOUN
cblr-2965	311	52	that	that	PRON
cblr-2965	311	53	today	today	NOUN
cblr-2965	311	54	's	's	PART
cblr-2965	311	55	disclosure	disclosure	NOUN
cblr-2965	311	56	system	system	NOUN
cblr-2965	311	57	is	be	AUX
cblr-2965	311	58	not	not	PART
cblr-2965	311	59	optimal	optimal	ADJ
cblr-2965	311	60	from	from	ADP
cblr-2965	311	61	the	the	DET
cblr-2965	311	62	fund	fund	NOUN
cblr-2965	311	63	investor	investor	NOUN
cblr-2965	311	64	's	's	PART
cblr-2965	311	65	perspective	perspective	NOUN
cblr-2965	311	66	.	.	PUNCT
cblr-2965	312	1	most	most	ADJ
cblr-2965	312	2	investors	investor	NOUN
cblr-2965	312	3	seek	seek	VERB
cblr-2965	312	4	information	information	NOUN
cblr-2965	312	5	that	that	PRON
cblr-2965	312	6	is	be	AUX
cblr-2965	312	7	clear	clear	ADJ
cblr-2965	312	8	and	and	CCONJ
cblr-2965	312	9	concise	concise	ADJ
cblr-2965	312	10	.	.	PUNCT
cblr-2965	313	1	they	they	PRON
cblr-2965	313	2	value	value	VERB
cblr-2965	313	3	quality	quality	NOUN
cblr-2965	313	4	,	,	PUNCT
cblr-2965	313	5	not	not	PART
cblr-2965	313	6	quantity	quantity	NOUN
cblr-2965	313	7	.	.	PUNCT
cblr-2965	313	8	"	"	PUNCT
cblr-2965	313	9	)	)	PUNCT
cblr-2965	313	10	.	.	PUNCT
cblr-2965	314	1	62	62	NUM
cblr-2965	314	2	paul	paul	PROPN
cblr-2965	314	3	schott	schott	PROPN
cblr-2965	314	4	stevens	stevens	PROPN
cblr-2965	314	5	,	,	PUNCT
cblr-2965	314	6	president	president	NOUN
cblr-2965	314	7	,	,	PUNCT
cblr-2965	314	8	investment	investment	NOUN
cblr-2965	314	9	company	company	NOUN
cblr-2965	314	10	institute	institute	PROPN
cblr-2965	314	11	,	,	PUNCT
cblr-2965	314	12	ici	ici	PROPN
cblr-2965	314	13	president	president	PROPN
cblr-2965	314	14	's	's	PART
cblr-2965	314	15	remarks	remark	NOUN
cblr-2965	314	16	at	at	ADP
cblr-2965	314	17	the	the	DET
cblr-2965	314	18	mutual	mutual	ADJ
cblr-2965	314	19	funds	fund	NOUN
cblr-2965	314	20	and	and	CCONJ
cblr-2965	314	21	investment	investment	NOUN
cblr-2965	314	22	management	management	NOUN
cblr-2965	314	23	conference	conference	NOUN
cblr-2965	314	24	:	:	PUNCT
cblr-2965	314	25	when	when	SCONJ
cblr-2965	314	26	you	you	PRON
cblr-2965	314	27	come	come	VERB
cblr-2965	314	28	to	to	ADP
cblr-2965	314	29	a	a	DET
cblr-2965	314	30	fork	fork	NOUN
cblr-2965	314	31	in	in	ADP
cblr-2965	314	32	the	the	DET
cblr-2965	314	33	road	road	NOUN
cblr-2965	314	34	,	,	PUNCT
cblr-2965	314	35	take	take	VERB
cblr-2965	314	36	it	it	PRON
cblr-2965	314	37	:	:	PUNCT
cblr-2965	314	38	improving	improve	VERB
cblr-2965	314	39	financial	financial	ADJ
cblr-2965	314	40	regulation	regulation	NOUN
cblr-2965	314	41	in	in	ADP
cblr-2965	314	42	america	america	PROPN
cblr-2965	314	43	(	(	PUNCT
cblr-2965	314	44	mar	mar	PROPN
cblr-2965	314	45	.	.	PROPN
cblr-2965	314	46	26	26	NUM
cblr-2965	314	47	,	,	PUNCT
cblr-2965	314	48	2007	2007	NUM
cblr-2965	314	49	)	)	PUNCT
cblr-2965	314	50	(	(	PUNCT
cblr-2965	314	51	transcript	transcript	NOUN
cblr-2965	314	52	available	available	ADJ
cblr-2965	314	53	at	at	ADP
cblr-2965	314	54	http://www.ici.org/statements/remarks/07mfimstevens-spch.html	http://www.ici.org/statements/remarks/07mfimstevens-spch.html	NOUN
cblr-2965	314	55	)	)	PUNCT
cblr-2965	314	56	.	.	PUNCT
cblr-2965	315	1	63	63	NUM
cblr-2965	316	1	i	i	PRON
cblr-2965	316	2	d.	d.	PROPN
cblr-2965	316	3	col	col	PROPN
cblr-2965	316	4	umia	umia	PROPN
cblr-2965	316	5	b	b	PROPN
cblr-2965	316	6	usiness	usiness	PROPN
cblr-2965	316	7	la	la	PROPN
cblr-2965	316	8	w	w	PROPN
cblr-2965	316	9	re	re	PROPN
cblr-2965	316	10	vie	vie	PROPN
cblr-2965	316	11	w	w	PROPN
cblr-2965	316	12	[	[	X
cblr-2965	316	13	vol	vol	NOUN
cblr-2965	316	14	.	.	NOUN
cblr-2965	316	15	2008	2008	NUM
cblr-2965	316	16	mutual	mutual	ADJ
cblr-2965	316	17	fund	fund	NOUN
cblr-2965	316	18	investors	investor	NOUN
cblr-2965	316	19	supported	support	VERB
cblr-2965	316	20	the	the	DET
cblr-2965	316	21	national	national	PROPN
cblr-2965	316	22	association	association	PROPN
cblr-2965	316	23	of	of	ADP
cblr-2965	316	24	securities	security	NOUN
cblr-2965	316	25	dealers	dealer	NOUN
cblr-2965	316	26	'	'	PART
cblr-2965	316	27	(	(	PUNCT
cblr-2965	316	28	"	"	PUNCT
cblr-2965	316	29	nasd	nasd	NOUN
cblr-2965	316	30	"	"	PUNCT
cblr-2965	316	31	)	)	PUNCT
cblr-2965	316	32	proposal	proposal	NOUN
cblr-2965	316	33	to	to	PART
cblr-2965	316	34	require	require	VERB
cblr-2965	316	35	disclosure	disclosure	NOUN
cblr-2965	316	36	of	of	ADP
cblr-2965	316	37	fund	fund	NOUN
cblr-2965	316	38	expense	expense	NOUN
cblr-2965	316	39	ratios	ratio	NOUN
cblr-2965	316	40	in	in	ADP
cblr-2965	316	41	performance	performance	NOUN
cblr-2965	316	42	advertisements64	advertisements64	NOUN
cblr-2965	316	43	but	but	CCONJ
cblr-2965	316	44	not	not	PART
cblr-2965	316	45	disclosure	disclosure	NOUN
cblr-2965	316	46	of	of	ADP
cblr-2965	316	47	the	the	DET
cblr-2965	316	48	actual	actual	ADJ
cblr-2965	316	49	dollar	dollar	NOUN
cblr-2965	316	50	amount	amount	NOUN
cblr-2965	316	51	of	of	ADP
cblr-2965	316	52	expenses	expense	NOUN
cblr-2965	316	53	that	that	PRON
cblr-2965	316	54	would	would	AUX
cblr-2965	316	55	be	be	AUX
cblr-2965	316	56	incurred	incur	VERB
cblr-2965	316	57	by	by	ADP
cblr-2965	316	58	a	a	DET
cblr-2965	316	59	hypothetical	hypothetical	ADJ
cblr-2965	316	60	fund	fund	NOUN
cblr-2965	316	61	investor	investor	NOUN
cblr-2965	316	62	.	.	PUNCT
cblr-2965	317	1	the	the	DET
cblr-2965	317	2	ici	ici	PROPN
cblr-2965	317	3	argued	argue	VERB
cblr-2965	317	4	that	that	SCONJ
cblr-2965	317	5	:	:	PUNCT
cblr-2965	317	6	fund	fund	NOUN
cblr-2965	317	7	advertisements	advertisement	NOUN
cblr-2965	317	8	are	be	AUX
cblr-2965	317	9	not	not	PART
cblr-2965	317	10	intended	intend	VERB
cblr-2965	317	11	to	to	PART
cblr-2965	317	12	be	be	AUX
cblr-2965	317	13	the	the	DET
cblr-2965	317	14	exclusive	exclusive	ADJ
cblr-2965	317	15	source	source	NOUN
cblr-2965	317	16	for	for	ADP
cblr-2965	317	17	investors	investor	NOUN
cblr-2965	317	18	of	of	ADP
cblr-2965	317	19	information	information	NOUN
cblr-2965	317	20	about	about	ADP
cblr-2965	317	21	the	the	DET
cblr-2965	317	22	fund	fund	NOUN
cblr-2965	317	23	,	,	PUNCT
cblr-2965	317	24	which	which	PRON
cblr-2965	317	25	is	be	AUX
cblr-2965	317	26	why	why	SCONJ
cblr-2965	317	27	all	all	DET
cblr-2965	317	28	advertisements	advertisement	NOUN
cblr-2965	317	29	under	under	ADP
cblr-2965	317	30	rule	rule	NOUN
cblr-2965	317	31	482	482	NUM
cblr-2965	317	32	are	be	AUX
cblr-2965	317	33	required	require	VERB
cblr-2965	317	34	to	to	PART
cblr-2965	317	35	encourage	encourage	VERB
cblr-2965	317	36	potential	potential	ADJ
cblr-2965	317	37	investors	investor	NOUN
cblr-2965	317	38	to	to	PART
cblr-2965	317	39	read	read	VERB
cblr-2965	317	40	the	the	DET
cblr-2965	317	41	fund	fund	NOUN
cblr-2965	317	42	's	's	PART
cblr-2965	317	43	prospectus	prospectus	NOUN
cblr-2965	317	44	carefully	carefully	ADV
cblr-2965	317	45	before	before	ADP
cblr-2965	317	46	investing	invest	VERB
cblr-2965	317	47	and	and	CCONJ
cblr-2965	317	48	include	include	VERB
cblr-2965	317	49	information	information	NOUN
cblr-2965	317	50	about	about	ADP
cblr-2965	317	51	how	how	SCONJ
cblr-2965	317	52	an	an	DET
cblr-2965	317	53	investor	investor	NOUN
cblr-2965	317	54	may	may	AUX
cblr-2965	317	55	obtain	obtain	VERB
cblr-2965	317	56	the	the	DET
cblr-2965	317	57	prospectus.6	prospectus.6	NOUN
cblr-2965	317	58	"	"	PUNCT
cblr-2965	317	59	less	less	ADJ
cblr-2965	317	60	has	have	AUX
cblr-2965	317	61	also	also	ADV
cblr-2965	317	62	been	be	AUX
cblr-2965	317	63	more	more	ADJ
cblr-2965	317	64	when	when	SCONJ
cblr-2965	317	65	it	it	PRON
cblr-2965	317	66	comes	come	VERB
cblr-2965	317	67	to	to	ADP
cblr-2965	317	68	cautioning	caution	VERB
cblr-2965	317	69	investors	investor	NOUN
cblr-2965	317	70	.	.	PUNCT
cblr-2965	318	1	for	for	ADP
cblr-2965	318	2	example	example	NOUN
cblr-2965	318	3	,	,	PUNCT
cblr-2965	318	4	the	the	DET
cblr-2965	318	5	ici	ici	NOUN
cblr-2965	318	6	has	have	AUX
cblr-2965	318	7	assumed	assume	VERB
cblr-2965	318	8	that	that	SCONJ
cblr-2965	318	9	investors	investor	NOUN
cblr-2965	318	10	will	will	AUX
cblr-2965	318	11	read	read	VERB
cblr-2965	318	12	cautionary	cautionary	ADJ
cblr-2965	318	13	disclosures	disclosure	NOUN
cblr-2965	318	14	placed	place	VERB
cblr-2965	318	15	in	in	ADP
cblr-2965	318	16	television	television	NOUN
cblr-2965	318	17	advertisements	advertisement	NOUN
cblr-2965	318	18	.	.	PUNCT
cblr-2965	319	1	thus	thus	ADV
cblr-2965	319	2	,	,	PUNCT
cblr-2965	319	3	in	in	ADP
cblr-2965	319	4	letters	letter	NOUN
cblr-2965	319	5	to	to	ADP
cblr-2965	319	6	both	both	CCONJ
cblr-2965	319	7	the	the	DET
cblr-2965	319	8	sec	sec	PROPN
cblr-2965	319	9	and	and	CCONJ
cblr-2965	319	10	the	the	DET
cblr-2965	319	11	municipal	municipal	ADJ
cblr-2965	319	12	securities	securities	PROPN
cblr-2965	319	13	rulemaking	rulemaking	NOUN
cblr-2965	319	14	board	board	NOUN
cblr-2965	319	15	,	,	PUNCT
cblr-2965	319	16	the	the	DET
cblr-2965	319	17	ici	ici	NOUN
cblr-2965	319	18	pushed	push	VERB
cblr-2965	319	19	for	for	ADP
cblr-2965	319	20	disclosures	disclosure	NOUN
cblr-2965	319	21	required	require	VERB
cblr-2965	319	22	in	in	ADP
cblr-2965	319	23	television	television	NOUN
cblr-2965	319	24	ads	ad	NOUN
cblr-2965	319	25	to	to	PART
cblr-2965	319	26	be	be	AUX
cblr-2965	319	27	permitted	permit	VERB
cblr-2965	319	28	to	to	PART
cblr-2965	319	29	appear	appear	VERB
cblr-2965	319	30	in	in	ADP
cblr-2965	319	31	text	text	NOUN
cblr-2965	319	32	on	on	ADP
cblr-2965	319	33	the	the	DET
cblr-2965	319	34	screen	screen	NOUN
cblr-2965	319	35	rather	rather	ADV
cblr-2965	319	36	than	than	ADP
cblr-2965	319	37	being	be	AUX
cblr-2965	319	38	spoken.66	spoken.66	PRON
cblr-2965	319	39	a	a	DET
cblr-2965	319	40	performance	performance	NOUN
cblr-2965	319	41	advertisement	advertisement	NOUN
cblr-2965	319	42	is	be	AUX
cblr-2965	319	43	a	a	DET
cblr-2965	319	44	mutual	mutual	ADJ
cblr-2965	319	45	fund	fund	NOUN
cblr-2965	319	46	advertisement	advertisement	NOUN
cblr-2965	319	47	that	that	PRON
cblr-2965	319	48	presents	present	VERB
cblr-2965	319	49	a	a	DET
cblr-2965	319	50	fund	fund	NOUN
cblr-2965	319	51	's	's	PART
cblr-2965	319	52	historical	historical	ADJ
cblr-2965	319	53	returns	return	NOUN
cblr-2965	319	54	.	.	PUNCT
cblr-2965	320	1	6	6	NUM
cblr-2965	320	2	letter	letter	NOUN
cblr-2965	320	3	from	from	ADP
cblr-2965	320	4	dorothy	dorothy	PROPN
cblr-2965	320	5	m.	m.	PROPN
cblr-2965	320	6	donohue	donohue	PROPN
cblr-2965	320	7	,	,	PUNCT
cblr-2965	320	8	assoc	assoc	PROPN
cblr-2965	320	9	.	.	PUNCT
cblr-2965	321	1	counsel	counsel	PROPN
cblr-2965	321	2	,	,	PUNCT
cblr-2965	321	3	investment	investment	NOUN
cblr-2965	321	4	company	company	NOUN
cblr-2965	321	5	institute	institute	NOUN
cblr-2965	321	6	,	,	PUNCT
cblr-2965	321	7	to	to	ADP
cblr-2965	321	8	barbara	barbara	PROPN
cblr-2965	321	9	z.	z.	PROPN
cblr-2965	321	10	sweeney	sweeney	PROPN
cblr-2965	321	11	,	,	PUNCT
cblr-2965	321	12	office	office	NOUN
cblr-2965	321	13	of	of	ADP
cblr-2965	321	14	the	the	DET
cblr-2965	321	15	corp	corp	PROPN
cblr-2965	321	16	.	.	PROPN
cblr-2965	321	17	sec'y	sec'y	PROPN
cblr-2965	321	18	,	,	PUNCT
cblr-2965	321	19	nat'l	nat'l	PROPN
cblr-2965	321	20	assoc	assoc	NOUN
cblr-2965	321	21	.	.	PUNCT
cblr-2965	322	1	sec	sec	PROPN
cblr-2965	322	2	.	.	PUNCT
cblr-2965	323	1	dealers	dealer	NOUN
cblr-2965	323	2	(	(	PUNCT
cblr-2965	323	3	jan	jan	PROPN
cblr-2965	323	4	.	.	PROPN
cblr-2965	323	5	23	23	NUM
cblr-2965	323	6	,	,	PUNCT
cblr-2965	323	7	2004	2004	NUM
cblr-2965	323	8	)	)	PUNCT
cblr-2965	323	9	,	,	PUNCT
cblr-2965	323	10	http://www.ici.org/	http://www.ici.org/	NOUN
cblr-2965	323	11	statements	statement	NOUN
cblr-2965	323	12	/	/	SYM
cblr-2965	323	13	cmltr/04_nasd	cmltr/04_nasd	NOUN
cblr-2965	323	14	ad	ad	NOUN
cblr-2965	323	15	disclosecom.html#topofpage	disclosecom.html#topofpage	NOUN
cblr-2965	323	16	(	(	PUNCT
cblr-2965	323	17	footnote	footnote	NOUN
cblr-2965	323	18	omitted	omit	VERB
cblr-2965	323	19	)	)	PUNCT
cblr-2965	323	20	.	.	PUNCT
cblr-2965	323	21	'	'	PUNCT
cblr-2965	324	1	letter	letter	NOUN
cblr-2965	324	2	from	from	ADP
cblr-2965	324	3	amy	amy	PROPN
cblr-2965	324	4	b.r	b.r	PROPN
cblr-2965	324	5	.	.	PROPN
cblr-2965	324	6	lancellotta	lancellotta	PROPN
cblr-2965	324	7	,	,	PUNCT
cblr-2965	324	8	senior	senior	ADJ
cblr-2965	324	9	counsel	counsel	NOUN
cblr-2965	324	10	,	,	PUNCT
cblr-2965	324	11	investment	investment	NOUN
cblr-2965	324	12	company	company	NOUN
cblr-2965	324	13	institute	institute	NOUN
cblr-2965	324	14	,	,	PUNCT
cblr-2965	324	15	to	to	ADP
cblr-2965	324	16	jonathan	jonathan	PROPN
cblr-2965	324	17	g.	g.	PROPN
cblr-2965	324	18	katz	katz	PROPN
cblr-2965	324	19	,	,	PUNCT
cblr-2965	324	20	sec'y	sec'y	PROPN
cblr-2965	324	21	,	,	PUNCT
cblr-2965	324	22	sec	sec	PROPN
cblr-2965	324	23	.	.	PROPN
cblr-2965	324	24	&	&	CCONJ
cblr-2965	324	25	exch	exch	PROPN
cblr-2965	324	26	.	.	PUNCT
cblr-2965	325	1	comm'n	comm'n	PUNCT
cblr-2965	325	2	(	(	PUNCT
cblr-2965	325	3	july	july	PROPN
cblr-2965	325	4	31	31	NUM
cblr-2965	325	5	,	,	PUNCT
cblr-2965	325	6	2002	2002	NUM
cblr-2965	325	7	)	)	PUNCT
cblr-2965	325	8	,	,	PUNCT
cblr-2965	325	9	available	available	ADJ
cblr-2965	325	10	at	at	ADP
cblr-2965	325	11	http://www.ici.org/statements/cmltr/02secfund	http://www.ici.org/statements/cmltr/02secfund	NOUN
cblr-2965	325	12	advertcom.html#topofpage	advertcom.html#topofpage	NOUN
cblr-2965	325	13	(	(	PUNCT
cblr-2965	325	14	"	"	PUNCT
cblr-2965	325	15	[	[	X
cblr-2965	325	16	w]ith	w]ith	ADP
cblr-2965	325	17	respect	respect	NOUN
cblr-2965	325	18	to	to	ADP
cblr-2965	325	19	television	television	NOUN
cblr-2965	325	20	advertisements	advertisement	NOUN
cblr-2965	325	21	,	,	PUNCT
cblr-2965	325	22	we	we	PRON
cblr-2965	325	23	recommend	recommend	VERB
cblr-2965	325	24	that	that	SCONJ
cblr-2965	325	25	the	the	DET
cblr-2965	325	26	commission	commission	NOUN
cblr-2965	325	27	clarify	clarify	VERB
cblr-2965	325	28	that	that	SCONJ
cblr-2965	325	29	such	such	ADJ
cblr-2965	325	30	disclosures	disclosure	NOUN
cblr-2965	325	31	need	need	AUX
cblr-2965	325	32	not	not	PART
cblr-2965	325	33	be	be	AUX
cblr-2965	325	34	provided	provide	VERB
cblr-2965	325	35	orally	orally	ADV
cblr-2965	325	36	and	and	CCONJ
cblr-2965	325	37	that	that	SCONJ
cblr-2965	325	38	,	,	PUNCT
cblr-2965	325	39	instead	instead	ADV
cblr-2965	325	40	,	,	PUNCT
cblr-2965	325	41	they	they	PRON
cblr-2965	325	42	may	may	AUX
cblr-2965	325	43	be	be	AUX
cblr-2965	325	44	provided	provide	VERB
cblr-2965	325	45	in	in	ADP
cblr-2965	325	46	written	write	VERB
cblr-2965	325	47	text	text	NOUN
cblr-2965	325	48	on	on	ADP
cblr-2965	325	49	the	the	DET
cblr-2965	325	50	television	television	NOUN
cblr-2965	325	51	screen	screen	NOUN
cblr-2965	325	52	.	.	PUNCT
cblr-2965	325	53	"	"	PUNCT
cblr-2965	325	54	)	)	PUNCT
cblr-2965	325	55	;	;	PUNCT
cblr-2965	325	56	letter	letter	NOUN
cblr-2965	325	57	from	from	ADP
cblr-2965	325	58	dorothy	dorothy	PROPN
cblr-2965	325	59	m.	m.	PROPN
cblr-2965	325	60	donohue	donohue	PROPN
cblr-2965	325	61	,	,	PUNCT
cblr-2965	325	62	assoc	assoc	PROPN
cblr-2965	325	63	.	.	PUNCT
cblr-2965	326	1	counsel	counsel	PROPN
cblr-2965	326	2	,	,	PUNCT
cblr-2965	326	3	investment	investment	NOUN
cblr-2965	326	4	company	company	NOUN
cblr-2965	326	5	institute	institute	NOUN
cblr-2965	326	6	,	,	PUNCT
cblr-2965	326	7	to	to	ADP
cblr-2965	326	8	ernesto	ernesto	PROPN
cblr-2965	326	9	a.	a.	PROPN
cblr-2965	326	10	lanza	lanza	PROPN
cblr-2965	326	11	,	,	PUNCT
cblr-2965	326	12	senior	senior	ADJ
cblr-2965	326	13	assoc	assoc	NOUN
cblr-2965	326	14	.	.	PUNCT
cblr-2965	327	1	gen	gen	PROPN
cblr-2965	327	2	.	.	PROPN
cblr-2965	327	3	counsel	counsel	PROPN
cblr-2965	327	4	,	,	PUNCT
cblr-2965	327	5	mun	mun	PROPN
cblr-2965	327	6	.	.	PUNCT
cblr-2965	327	7	sec	sec	PROPN
cblr-2965	327	8	.	.	PUNCT
cblr-2965	328	1	rulemaking	rulemake	VERB
cblr-2965	328	2	bd	bd	PROPN
cblr-2965	328	3	.	.	PROPN
cblr-2965	328	4	,	,	PUNCT
cblr-2965	328	5	(	(	PUNCT
cblr-2965	328	6	sept	sept	PROPN
cblr-2965	328	7	.	.	PROPN
cblr-2965	328	8	22	22	NUM
cblr-2965	328	9	,	,	PUNCT
cblr-2965	328	10	2006	2006	NUM
cblr-2965	328	11	)	)	PUNCT
cblr-2965	328	12	,	,	PUNCT
cblr-2965	328	13	available	available	ADJ
cblr-2965	328	14	at	at	ADP
cblr-2965	328	15	http://www.ici.org/	http://www.ici.org/	PROPN
cblr-2965	328	16	statements	statement	NOUN
cblr-2965	328	17	/	/	SYM
cblr-2965	328	18	cmltr/06_msrbadscom.html#topofpage	cmltr/06_msrbadscom.html#topofpage	NOUN
cblr-2965	328	19	(	(	PUNCT
cblr-2965	328	20	"	"	PUNCT
cblr-2965	328	21	we	we	PRON
cblr-2965	328	22	also	also	ADV
cblr-2965	328	23	strongly	strongly	ADV
cblr-2965	328	24	support	support	VERB
cblr-2965	328	25	permitting	permit	VERB
cblr-2965	328	26	the	the	DET
cblr-2965	328	27	required	require	VERB
cblr-2965	328	28	information	information	NOUN
cblr-2965	328	29	to	to	PART
cblr-2965	328	30	be	be	AUX
cblr-2965	328	31	provided	provide	VERB
cblr-2965	328	32	in	in	ADP
cblr-2965	328	33	an	an	DET
cblr-2965	328	34	abbreviated	abbreviate	VERB
cblr-2965	328	35	manner	manner	NOUN
cblr-2965	328	36	and	and	CCONJ
cblr-2965	328	37	permitting	permit	VERB
cblr-2965	328	38	a	a	DET
cblr-2965	328	39	portion	portion	NOUN
cblr-2965	328	40	of	of	ADP
cblr-2965	328	41	the	the	DET
cblr-2965	328	42	disclosure	disclosure	NOUN
cblr-2965	328	43	to	to	PART
cblr-2965	328	44	be	be	AUX
cblr-2965	328	45	provided	provide	VERB
cblr-2965	328	46	on	on	ADP
cblr-2965	328	47	the	the	DET
cblr-2965	328	48	screen	screen	NOUN
cblr-2965	328	49	(	(	PUNCT
cblr-2965	328	50	rather	rather	ADV
cblr-2965	328	51	than	than	ADP
cblr-2965	328	52	spoken	speak	VERB
cblr-2965	328	53	)	)	PUNCT
cblr-2965	328	54	for	for	ADP
cblr-2965	328	55	television	television	NOUN
cblr-2965	328	56	advertisements	advertisement	NOUN
cblr-2965	328	57	.	.	PUNCT
cblr-2965	329	1	"	"	PUNCT
cblr-2965	329	2	)	)	PUNCT
cblr-2965	329	3	.	.	PUNCT
cblr-2965	330	1	no	no	INTJ
cblr-2965	330	2	.	.	PUNCT
cblr-2965	331	1	3:934	3:934	X
cblr-2965	331	2	]	]	X
cblr-2965	331	3	columbia	columbia	PROPN
cblr-2965	331	4	business	business	PROPN
cblr-2965	331	5	la	la	PROPN
cblr-2965	331	6	wreview	wreview	VERB
cblr-2965	331	7	3	3	X
cblr-2965	331	8	.	.	X
cblr-2965	331	9	summary	summary	NOUN
cblr-2965	331	10	and	and	CCONJ
cblr-2965	331	11	analysis	analysis	NOUN
cblr-2965	331	12	although	although	SCONJ
cblr-2965	331	13	sometimes	sometimes	ADV
cblr-2965	331	14	inconsistent	inconsistent	ADJ
cblr-2965	331	15	,	,	PUNCT
cblr-2965	331	16	the	the	DET
cblr-2965	331	17	ici	ici	NOUN
cblr-2965	331	18	's	's	PART
cblr-2965	331	19	profile	profile	NOUN
cblr-2965	331	20	of	of	ADP
cblr-2965	331	21	fund	fund	NOUN
cblr-2965	331	22	investors	investor	NOUN
cblr-2965	331	23	should	should	AUX
cblr-2965	331	24	be	be	AUX
cblr-2965	331	25	comforting	comforting	ADJ
cblr-2965	331	26	to	to	ADP
cblr-2965	331	27	regulators	regulator	NOUN
cblr-2965	331	28	.	.	PUNCT
cblr-2965	332	1	the	the	DET
cblr-2965	332	2	profile	profile	NOUN
cblr-2965	332	3	describes	describe	VERB
cblr-2965	332	4	investors	investor	NOUN
cblr-2965	332	5	who	who	PRON
cblr-2965	332	6	,	,	PUNCT
cblr-2965	332	7	on	on	ADP
cblr-2965	332	8	their	their	PRON
cblr-2965	332	9	own	own	ADJ
cblr-2965	332	10	or	or	CCONJ
cblr-2965	332	11	with	with	ADP
cblr-2965	332	12	the	the	DET
cblr-2965	332	13	assistance	assistance	NOUN
cblr-2965	332	14	of	of	ADP
cblr-2965	332	15	financial	financial	ADJ
cblr-2965	332	16	advisers	adviser	NOUN
cblr-2965	332	17	,	,	PUNCT
cblr-2965	332	18	impose	impose	VERB
cblr-2965	332	19	sufficient	sufficient	ADJ
cblr-2965	332	20	market	market	NOUN
cblr-2965	332	21	discipline	discipline	NOUN
cblr-2965	332	22	on	on	ADP
cblr-2965	332	23	the	the	DET
cblr-2965	332	24	mutual	mutual	ADJ
cblr-2965	332	25	fund	fund	NOUN
cblr-2965	332	26	industry	industry	NOUN
cblr-2965	332	27	.	.	PUNCT
cblr-2965	333	1	7	7	NUM
cblr-2965	333	2	according	accord	VERB
cblr-2965	333	3	to	to	ADP
cblr-2965	333	4	the	the	DET
cblr-2965	333	5	ici	ici	NOUN
cblr-2965	333	6	,	,	PUNCT
cblr-2965	333	7	mutual	mutual	ADJ
cblr-2965	333	8	fund	fund	NOUN
cblr-2965	333	9	investors	investor	NOUN
cblr-2965	333	10	diligently	diligently	ADV
cblr-2965	333	11	seek	seek	VERB
cblr-2965	333	12	out	out	ADP
cblr-2965	333	13	and	and	CCONJ
cblr-2965	333	14	digest	digest	VERB
cblr-2965	333	15	important	important	ADJ
cblr-2965	333	16	information	information	NOUN
cblr-2965	333	17	about	about	ADP
cblr-2965	333	18	fund	fund	NOUN
cblr-2965	333	19	expenses	expense	NOUN
cblr-2965	333	20	,	,	PUNCT
cblr-2965	333	21	performance	performance	NOUN
cblr-2965	333	22	,	,	PUNCT
cblr-2965	333	23	and	and	CCONJ
cblr-2965	333	24	risks	risk	NOUN
cblr-2965	333	25	before	before	ADP
cblr-2965	333	26	investing	invest	VERB
cblr-2965	333	27	.	.	PUNCT
cblr-2965	334	1	as	as	ADP
cblr-2965	334	2	a	a	DET
cblr-2965	334	3	result	result	NOUN
cblr-2965	334	4	,	,	PUNCT
cblr-2965	334	5	investors	investor	NOUN
cblr-2965	334	6	create	create	VERB
cblr-2965	334	7	pressure	pressure	NOUN
cblr-2965	334	8	on	on	ADP
cblr-2965	334	9	funds	fund	NOUN
cblr-2965	334	10	to	to	PART
cblr-2965	334	11	lower	low	ADJ
cblr-2965	334	12	expenses	expense	NOUN
cblr-2965	334	13	and	and	CCONJ
cblr-2965	334	14	achieve	achieve	VERB
cblr-2965	334	15	high	high	ADJ
cblr-2965	334	16	returns	return	NOUN
cblr-2965	334	17	.	.	PUNCT
cblr-2965	335	1	at	at	ADP
cblr-2965	335	2	the	the	DET
cblr-2965	335	3	same	same	ADJ
cblr-2965	335	4	time	time	NOUN
cblr-2965	335	5	,	,	PUNCT
cblr-2965	335	6	however	however	ADV
cblr-2965	335	7	,	,	PUNCT
cblr-2965	335	8	the	the	DET
cblr-2965	335	9	ici	ici	NOUN
cblr-2965	335	10	warns	warn	VERB
cblr-2965	335	11	that	that	SCONJ
cblr-2965	335	12	many	many	ADJ
cblr-2965	335	13	investors	investor	NOUN
cblr-2965	335	14	will	will	AUX
cblr-2965	335	15	only	only	ADV
cblr-2965	335	16	read	read	VERB
cblr-2965	335	17	and	and	CCONJ
cblr-2965	335	18	understand	understand	VERB
cblr-2965	335	19	disclosures	disclosure	NOUN
cblr-2965	335	20	that	that	PRON
cblr-2965	335	21	are	be	AUX
cblr-2965	335	22	concise	concise	ADJ
cblr-2965	335	23	and	and	CCONJ
cblr-2965	335	24	clear	clear	ADJ
cblr-2965	335	25	,	,	PUNCT
cblr-2965	335	26	and	and	CCONJ
cblr-2965	335	27	the	the	DET
cblr-2965	335	28	ici	ici	NOUN
cblr-2965	335	29	does	do	AUX
cblr-2965	335	30	not	not	PART
cblr-2965	335	31	encourage	encourage	VERB
cblr-2965	335	32	investment	investment	NOUN
cblr-2965	335	33	in	in	ADP
cblr-2965	335	34	low	low	ADJ
cblr-2965	335	35	-	-	PUNCT
cblr-2965	335	36	cost	cost	NOUN
cblr-2965	335	37	funds	fund	NOUN
cblr-2965	335	38	.	.	PUNCT
cblr-2965	336	1	iv	iv	X
cblr-2965	336	2	.	.	PUNCT
cblr-2965	337	1	sec	sec	PROPN
cblr-2965	337	2	's	's	PART
cblr-2965	337	3	portrait	portrait	NOUN
cblr-2965	337	4	of	of	ADP
cblr-2965	337	5	fund	fund	NOUN
cblr-2965	337	6	investors	investor	NOUN
cblr-2965	337	7	:	:	PUNCT
cblr-2965	337	8	capable	capable	ADJ
cblr-2965	337	9	(	(	PUNCT
cblr-2965	337	10	with	with	ADP
cblr-2965	337	11	some	some	DET
cblr-2965	337	12	help	help	NOUN
cblr-2965	337	13	)	)	PUNCT
cblr-2965	337	14	the	the	DET
cblr-2965	337	15	securities	securities	PROPN
cblr-2965	337	16	and	and	CCONJ
cblr-2965	337	17	exchange	exchange	PROPN
cblr-2965	337	18	commission	commission	PROPN
cblr-2965	337	19	(	(	PUNCT
cblr-2965	337	20	the	the	DET
cblr-2965	337	21	"	"	PUNCT
cblr-2965	337	22	sec	sec	PROPN
cblr-2965	337	23	"	"	PUNCT
cblr-2965	337	24	)	)	PUNCT
cblr-2965	337	25	,	,	PUNCT
cblr-2965	337	26	although	although	SCONJ
cblr-2965	337	27	less	less	ADV
cblr-2965	337	28	sanguine	sanguine	ADJ
cblr-2965	337	29	than	than	ADP
cblr-2965	337	30	the	the	DET
cblr-2965	337	31	industry	industry	NOUN
cblr-2965	337	32	,	,	PUNCT
cblr-2965	337	33	also	also	ADV
cblr-2965	337	34	paints	paint	VERB
cblr-2965	337	35	a	a	DET
cblr-2965	337	36	portrait	portrait	NOUN
cblr-2965	337	37	of	of	ADP
cblr-2965	337	38	fund	fund	NOUN
cblr-2965	337	39	investors	investor	NOUN
cblr-2965	337	40	that	that	PRON
cblr-2965	337	41	implies	imply	VERB
cblr-2965	337	42	a	a	DET
cblr-2965	337	43	well	well	ADV
cblr-2965	337	44	-	-	PUNCT
cblr-2965	337	45	functioning	function	VERB
cblr-2965	337	46	mutual	mutual	ADJ
cblr-2965	337	47	fund	fund	NOUN
cblr-2965	337	48	market	market	NOUN
cblr-2965	337	49	.	.	PUNCT
cblr-2965	338	1	the	the	DET
cblr-2965	338	2	sec	sec	PROPN
cblr-2965	338	3	shares	share	VERB
cblr-2965	338	4	the	the	DET
cblr-2965	338	5	industry	industry	NOUN
cblr-2965	338	6	view	view	NOUN
cblr-2965	338	7	that	that	SCONJ
cblr-2965	338	8	fund	fund	NOUN
cblr-2965	338	9	investors	investor	NOUN
cblr-2965	338	10	consider	consider	VERB
cblr-2965	338	11	a	a	DET
cblr-2965	338	12	variety	variety	NOUN
cblr-2965	338	13	of	of	ADP
cblr-2965	338	14	important	important	ADJ
cblr-2965	338	15	information	information	NOUN
cblr-2965	338	16	before	before	ADP
cblr-2965	338	17	investing	invest	VERB
cblr-2965	338	18	.	.	PUNCT
cblr-2965	339	1	the	the	DET
cblr-2965	339	2	sec	sec	PROPN
cblr-2965	339	3	also	also	ADV
cblr-2965	339	4	agrees	agree	VERB
cblr-2965	339	5	that	that	SCONJ
cblr-2965	339	6	fund	fund	NOUN
cblr-2965	339	7	investors	investor	NOUN
cblr-2965	339	8	can	can	AUX
cblr-2965	339	9	become	become	VERB
cblr-2965	339	10	confused	confused	ADJ
cblr-2965	339	11	while	while	SCONJ
cblr-2965	339	12	navigating	navigate	VERB
cblr-2965	339	13	the	the	DET
cblr-2965	339	14	sea	sea	NOUN
cblr-2965	339	15	of	of	ADP
cblr-2965	339	16	information	information	NOUN
cblr-2965	339	17	about	about	ADP
cblr-2965	339	18	mutual	mutual	ADJ
cblr-2965	339	19	funds	fund	NOUN
cblr-2965	339	20	and	and	CCONJ
cblr-2965	339	21	thus	thus	ADV
cblr-2965	339	22	can	can	AUX
cblr-2965	339	23	benefit	benefit	VERB
cblr-2965	339	24	from	from	ADP
cblr-2965	339	25	having	have	VERB
cblr-2965	339	26	information	information	NOUN
cblr-2965	339	27	in	in	ADP
cblr-2965	339	28	a	a	DET
cblr-2965	339	29	concise	concise	ADJ
cblr-2965	339	30	,	,	PUNCT
cblr-2965	339	31	readable	readable	ADJ
cblr-2965	339	32	,	,	PUNCT
cblr-2965	339	33	and	and	CCONJ
cblr-2965	339	34	standardized	standardized	ADJ
cblr-2965	339	35	form	form	NOUN
cblr-2965	339	36	.	.	PUNCT
cblr-2965	340	1	unlike	unlike	ADP
cblr-2965	340	2	the	the	DET
cblr-2965	340	3	industry	industry	NOUN
cblr-2965	340	4	,	,	PUNCT
cblr-2965	340	5	however	however	ADV
cblr-2965	340	6	,	,	PUNCT
cblr-2965	340	7	the	the	DET
cblr-2965	340	8	sec	sec	PROPN
cblr-2965	340	9	has	have	VERB
cblr-2965	340	10	specific	specific	ADJ
cblr-2965	340	11	concerns	concern	NOUN
cblr-2965	340	12	about	about	ADP
cblr-2965	340	13	investor	investor	NOUN
cblr-2965	340	14	sophistication	sophistication	NOUN
cblr-2965	340	15	,	,	PUNCT
cblr-2965	340	16	worrying	worry	VERB
cblr-2965	340	17	that	that	SCONJ
cblr-2965	340	18	fund	fund	NOUN
cblr-2965	340	19	investors	investor	NOUN
cblr-2965	340	20	pay	pay	VERB
cblr-2965	340	21	insufficient	insufficient	ADJ
cblr-2965	340	22	attention	attention	NOUN
cblr-2965	340	23	to	to	ADP
cblr-2965	340	24	fund	fund	NOUN
cblr-2965	340	25	fees	fee	NOUN
cblr-2965	340	26	and	and	CCONJ
cblr-2965	340	27	expenses	expense	NOUN
cblr-2965	340	28	and	and	CCONJ
cblr-2965	340	29	too	too	ADV
cblr-2965	340	30	much	much	ADJ
cblr-2965	340	31	attention	attention	NOUN
cblr-2965	340	32	to	to	ADP
cblr-2965	340	33	past	past	ADJ
cblr-2965	340	34	returns	return	NOUN
cblr-2965	340	35	.	.	PUNCT
cblr-2965	341	1	the	the	DET
cblr-2965	341	2	agency	agency	NOUN
cblr-2965	341	3	's	's	PART
cblr-2965	341	4	solution	solution	NOUN
cblr-2965	341	5	,	,	PUNCT
cblr-2965	341	6	however	however	ADV
cblr-2965	341	7	,	,	PUNCT
cblr-2965	341	8	is	be	AUX
cblr-2965	341	9	generally	generally	ADV
cblr-2965	341	10	more	more	ADV
cblr-2965	341	11	and	and	CCONJ
cblr-2965	341	12	better	well	ADJ
cblr-2965	341	13	disclosure	disclosure	NOUN
cblr-2965	341	14	.	.	PUNCT
cblr-2965	342	1	capturing	capture	VERB
cblr-2965	342	2	the	the	DET
cblr-2965	342	3	sec	sec	PROPN
cblr-2965	342	4	's	's	PART
cblr-2965	342	5	view	view	NOUN
cblr-2965	342	6	,	,	PUNCT
cblr-2965	342	7	then	then	ADV
cblr-2965	342	8	sec	sec	PROPN
cblr-2965	342	9	chairman	chairman	PROPN
cblr-2965	342	10	arthur	arthur	PROPN
cblr-2965	342	11	levitt	levitt	PROPN
cblr-2965	342	12	testified	testify	VERB
cblr-2965	342	13	before	before	ADP
cblr-2965	342	14	congress	congress	PROPN
cblr-2965	342	15	that	that	SCONJ
cblr-2965	342	16	"	"	PUNCT
cblr-2965	342	17	[	[	X
cblr-2965	342	18	t]he	t]he	X
cblr-2965	342	19	commission	commission	NOUN
cblr-2965	342	20	67	67	NUM
cblr-2965	342	21	see	see	NOUN
cblr-2965	342	22	also	also	ADV
cblr-2965	342	23	investment	investment	NOUN
cblr-2965	342	24	company	company	NOUN
cblr-2965	342	25	institute	institute	NOUN
cblr-2965	342	26	,	,	PUNCT
cblr-2965	342	27	understanding	understand	VERB
cblr-2965	342	28	shareholders	shareholder	NOUN
cblr-2965	342	29	'	'	PART
cblr-2965	342	30	use	use	NOUN
cblr-2965	342	31	of	of	ADP
cblr-2965	342	32	information	information	NOUN
cblr-2965	342	33	and	and	CCONJ
cblr-2965	342	34	advisers	adviser	NOUN
cblr-2965	342	35	3	3	NUM
cblr-2965	342	36	(	(	PUNCT
cblr-2965	342	37	1997	1997	NUM
cblr-2965	342	38	)	)	PUNCT
cblr-2965	342	39	,	,	PUNCT
cblr-2965	342	40	available	available	ADJ
cblr-2965	342	41	at	at	ADP
cblr-2965	342	42	http://www.ici.org/statements/res/arc-dis/rpt_undstndshare.pdf	http://www.ici.org/statements/res/arc-dis/rpt_undstndshare.pdf	NUM
cblr-2965	342	43	.	.	PUNCT
cblr-2965	343	1	[	[	X
cblr-2965	343	2	vol	vol	NOUN
cblr-2965	343	3	.	.	NOUN
cblr-2965	343	4	2008	2008	NUM
cblr-2965	343	5	mutual	mutual	ADJ
cblr-2965	343	6	fund	fund	NOUN
cblr-2965	343	7	investors	investor	NOUN
cblr-2965	343	8	should	should	AUX
cblr-2965	343	9	not	not	PART
cblr-2965	343	10	be	be	AUX
cblr-2965	343	11	the	the	DET
cblr-2965	343	12	arbiter	arbiter	NOUN
cblr-2965	343	13	of	of	ADP
cblr-2965	343	14	the	the	DET
cblr-2965	343	15	appropriate	appropriate	ADJ
cblr-2965	343	16	level	level	NOUN
cblr-2965	343	17	of	of	ADP
cblr-2965	343	18	fund	fund	NOUN
cblr-2965	343	19	fees	fee	NOUN
cblr-2965	343	20	.	.	PUNCT
cblr-2965	344	1	whether	whether	SCONJ
cblr-2965	344	2	fund	fund	NOUN
cblr-2965	344	3	fees	fee	NOUN
cblr-2965	344	4	are	be	AUX
cblr-2965	344	5	too	too	ADV
cblr-2965	344	6	high	high	ADJ
cblr-2965	344	7	or	or	CCONJ
cblr-2965	344	8	too	too	ADV
cblr-2965	344	9	low	low	ADJ
cblr-2965	344	10	is	be	AUX
cblr-2965	344	11	a	a	DET
cblr-2965	344	12	question	question	NOUN
cblr-2965	344	13	that	that	PRON
cblr-2965	344	14	we	we	PRON
cblr-2965	344	15	believe	believe	VERB
cblr-2965	344	16	must	must	AUX
cblr-2965	344	17	be	be	AUX
cblr-2965	344	18	answered	answer	VERB
cblr-2965	344	19	by	by	ADP
cblr-2965	344	20	competition	competition	NOUN
cblr-2965	344	21	in	in	ADP
cblr-2965	344	22	the	the	DET
cblr-2965	344	23	marketplace	marketplace	NOUN
cblr-2965	344	24	,	,	PUNCT
cblr-2965	344	25	not	not	PART
cblr-2965	344	26	by	by	ADP
cblr-2965	344	27	government	government	NOUN
cblr-2965	344	28	intervention	intervention	NOUN
cblr-2965	344	29	.	.	PUNCT
cblr-2965	345	1	"8	"8	NOUN
cblr-2965	345	2	that	that	PRON
cblr-2965	345	3	is	be	AUX
cblr-2965	345	4	,	,	PUNCT
cblr-2965	345	5	despite	despite	SCONJ
cblr-2965	345	6	the	the	DET
cblr-2965	345	7	underlying	underlie	VERB
cblr-2965	345	8	premise	premise	NOUN
cblr-2965	345	9	of	of	ADP
cblr-2965	345	10	the	the	DET
cblr-2965	345	11	investment	investment	NOUN
cblr-2965	345	12	act	act	NOUN
cblr-2965	345	13	of	of	ADP
cblr-2965	345	14	1940	1940	NUM
cblr-2965	345	15	(	(	PUNCT
cblr-2965	345	16	the	the	DET
cblr-2965	345	17	"	"	PUNCT
cblr-2965	345	18	1940	1940	NUM
cblr-2965	345	19	act	act	NOUN
cblr-2965	345	20	"	"	PUNCT
cblr-2965	345	21	)	)	PUNCT
cblr-2965	345	22	that	that	PRON
cblr-2965	345	23	fund	fund	NOUN
cblr-2965	345	24	investors	investor	NOUN
cblr-2965	345	25	can	can	AUX
cblr-2965	345	26	not	not	PART
cblr-2965	345	27	fend	fend	VERB
cblr-2965	345	28	for	for	ADP
cblr-2965	345	29	themselves	themselves	PRON
cblr-2965	345	30	,	,	PUNCT
cblr-2965	345	31	the	the	DET
cblr-2965	345	32	agency	agency	NOUN
cblr-2965	345	33	has	have	AUX
cblr-2965	345	34	assumed	assume	VERB
cblr-2965	345	35	that	that	SCONJ
cblr-2965	345	36	(	(	PUNCT
cblr-2965	345	37	properly	properly	ADV
cblr-2965	345	38	informed	inform	VERB
cblr-2965	345	39	)	)	PUNCT
cblr-2965	345	40	demand	demand	NOUN
cblr-2965	345	41	-	-	PUNCT
cblr-2965	345	42	side	side	NOUN
cblr-2965	345	43	market	market	NOUN
cblr-2965	345	44	forces	force	NOUN
cblr-2965	345	45	are	be	AUX
cblr-2965	345	46	sufficient	sufficient	ADJ
cblr-2965	345	47	to	to	PART
cblr-2965	345	48	discipline	discipline	VERB
cblr-2965	345	49	any	any	DET
cblr-2965	345	50	supply	supply	NOUN
cblr-2965	345	51	-	-	PUNCT
cblr-2965	345	52	side	side	NOUN
cblr-2965	345	53	excesses	excess	NOUN
cblr-2965	345	54	.	.	PUNCT
cblr-2965	346	1	this	this	DET
cblr-2965	346	2	part	part	NOUN
cblr-2965	346	3	describes	describe	VERB
cblr-2965	346	4	the	the	DET
cblr-2965	346	5	profile	profile	NOUN
cblr-2965	346	6	of	of	ADP
cblr-2965	346	7	fund	fund	NOUN
cblr-2965	346	8	investors	investor	NOUN
cblr-2965	346	9	assumed	assume	VERB
cblr-2965	346	10	by	by	ADP
cblr-2965	346	11	the	the	DET
cblr-2965	346	12	sec	sec	PROPN
cblr-2965	346	13	.	.	PUNCT
cblr-2965	347	1	this	this	DET
cblr-2965	347	2	profile	profile	NOUN
cblr-2965	347	3	can	can	AUX
cblr-2965	347	4	be	be	AUX
cblr-2965	347	5	distilled	distil	VERB
cblr-2965	347	6	from	from	ADP
cblr-2965	347	7	a	a	DET
cblr-2965	347	8	number	number	NOUN
cblr-2965	347	9	of	of	ADP
cblr-2965	347	10	sources	source	NOUN
cblr-2965	347	11	,	,	PUNCT
cblr-2965	347	12	especially	especially	ADV
cblr-2965	347	13	the	the	DET
cblr-2965	347	14	disclosure	disclosure	NOUN
cblr-2965	347	15	the	the	DET
cblr-2965	347	16	sec	sec	PROPN
cblr-2965	347	17	has	have	AUX
cblr-2965	347	18	required	require	VERB
cblr-2965	347	19	in	in	ADP
cblr-2965	347	20	fund	fund	NOUN
cblr-2965	347	21	prospectuses	prospectus	NOUN
cblr-2965	347	22	,	,	PUNCT
cblr-2965	347	23	fund	fund	NOUN
cblr-2965	347	24	profiles	profile	NOUN
cblr-2965	347	25	,	,	PUNCT
cblr-2965	347	26	and	and	CCONJ
cblr-2965	347	27	advertisements	advertisement	NOUN
cblr-2965	347	28	.	.	PUNCT
cblr-2965	348	1	in	in	ADP
cblr-2965	348	2	addition	addition	NOUN
cblr-2965	348	3	,	,	PUNCT
cblr-2965	348	4	recent	recent	ADJ
cblr-2965	348	5	attempts	attempt	NOUN
cblr-2965	348	6	by	by	ADP
cblr-2965	348	7	the	the	DET
cblr-2965	348	8	sec	sec	PROPN
cblr-2965	348	9	to	to	PART
cblr-2965	348	10	directly	directly	ADV
cblr-2965	348	11	educate	educate	VERB
cblr-2965	348	12	fund	fund	NOUN
cblr-2965	348	13	investors	investor	NOUN
cblr-2965	348	14	also	also	ADV
cblr-2965	348	15	reveal	reveal	VERB
cblr-2965	348	16	some	some	DET
cblr-2965	348	17	awareness	awareness	NOUN
cblr-2965	348	18	of	of	ADP
cblr-2965	348	19	investors	investor	NOUN
cblr-2965	348	20	'	'	PART
cblr-2965	348	21	limitations	limitation	NOUN
cblr-2965	348	22	.	.	PUNCT
cblr-2965	349	1	in	in	ADP
cblr-2965	349	2	general	general	ADJ
cblr-2965	349	3	,	,	PUNCT
cblr-2965	349	4	it	it	PRON
cblr-2965	349	5	is	be	AUX
cblr-2965	349	6	an	an	DET
cblr-2965	349	7	investor	investor	NOUN
cblr-2965	349	8	profile	profile	NOUN
cblr-2965	349	9	influenced	influence	VERB
cblr-2965	349	10	significantly	significantly	ADV
cblr-2965	349	11	by	by	ADP
cblr-2965	349	12	industry	industry	NOUN
cblr-2965	349	13	comments	comment	NOUN
cblr-2965	349	14	and	and	CCONJ
cblr-2965	349	15	studies	study	NOUN
cblr-2965	349	16	,	,	PUNCT
cblr-2965	349	17	and	and	CCONJ
cblr-2965	349	18	nearly	nearly	ADV
cblr-2965	349	19	oblivious	oblivious	ADJ
cblr-2965	349	20	to	to	ADP
cblr-2965	349	21	the	the	DET
cblr-2965	349	22	findings	finding	NOUN
cblr-2965	349	23	of	of	ADP
cblr-2965	349	24	the	the	DET
cblr-2965	349	25	academic	academic	ADJ
cblr-2965	349	26	literature	literature	NOUN
cblr-2965	349	27	on	on	ADP
cblr-2965	349	28	fund	fund	NOUN
cblr-2965	349	29	investor	investor	NOUN
cblr-2965	349	30	behavior	behavior	NOUN
cblr-2965	349	31	.	.	PUNCT
cblr-2965	350	1	a.	a.	PROPN
cblr-2965	350	2	sec	sec	PROPN
cblr-2965	350	3	regulation	regulation	NOUN
cblr-2965	350	4	of	of	ADP
cblr-2965	350	5	fund	fund	NOUN
cblr-2965	350	6	disclosure	disclosure	NOUN
cblr-2965	350	7	the	the	DET
cblr-2965	350	8	sec	sec	PROPN
cblr-2965	350	9	intends	intend	VERB
cblr-2965	350	10	the	the	DET
cblr-2965	350	11	fund	fund	NOUN
cblr-2965	350	12	prospectus	prospectus	NOUN
cblr-2965	350	13	to	to	PART
cblr-2965	350	14	be	be	AUX
cblr-2965	350	15	the	the	DET
cblr-2965	350	16	primary	primary	ADJ
cblr-2965	350	17	source	source	NOUN
cblr-2965	350	18	of	of	ADP
cblr-2965	350	19	information	information	NOUN
cblr-2965	350	20	for	for	ADP
cblr-2965	350	21	investors	investor	NOUN
cblr-2965	350	22	choosing	choose	VERB
cblr-2965	350	23	a	a	DET
cblr-2965	350	24	fund	fund	NOUN
cblr-2965	350	25	.	.	PUNCT
cblr-2965	351	1	9	9	NUM
cblr-2965	351	2	by	by	ADP
cblr-2965	351	3	law	law	NOUN
cblr-2965	351	4	,	,	PUNCT
cblr-2965	351	5	a	a	DET
cblr-2965	351	6	prospective	prospective	ADJ
cblr-2965	351	7	fund	fund	NOUN
cblr-2965	351	8	investor	investor	NOUN
cblr-2965	351	9	must	must	AUX
cblr-2965	351	10	be	be	AUX
cblr-2965	351	11	provided	provide	VERB
cblr-2965	351	12	with	with	ADP
cblr-2965	351	13	a	a	DET
cblr-2965	351	14	fund	fund	NOUN
cblr-2965	351	15	's	's	PART
cblr-2965	351	16	transparency	transparency	NOUN
cblr-2965	351	17	in	in	ADP
cblr-2965	351	18	the	the	DET
cblr-2965	351	19	united	united	PROPN
cblr-2965	351	20	states	states	PROPN
cblr-2965	351	21	debt	debt	NOUN
cblr-2965	351	22	market	market	NOUN
cblr-2965	351	23	and	and	CCONJ
cblr-2965	351	24	mutual	mutual	ADJ
cblr-2965	351	25	fund	fund	NOUN
cblr-2965	351	26	fees	fee	NOUN
cblr-2965	351	27	and	and	CCONJ
cblr-2965	351	28	expenses	expense	NOUN
cblr-2965	351	29	:	:	PUNCT
cblr-2965	351	30	hearings	hearing	NOUN
cblr-2965	351	31	before	before	ADP
cblr-2965	351	32	the	the	DET
cblr-2965	351	33	h.	h.	PROPN
cblr-2965	351	34	subcomm	subcomm	PROPN
cblr-2965	351	35	.	.	PUNCT
cblr-2965	352	1	on	on	ADP
cblr-2965	352	2	finance	finance	NOUN
cblr-2965	352	3	and	and	CCONJ
cblr-2965	352	4	hazardous	hazardous	ADJ
cblr-2965	352	5	materials	material	NOUN
cblr-2965	352	6	,	,	PUNCT
cblr-2965	352	7	comm	comm	NOUN
cblr-2965	352	8	.	.	PUNCT
cblr-2965	353	1	on	on	ADP
cblr-2965	353	2	commerce	commerce	PROPN
cblr-2965	353	3	,	,	PUNCT
cblr-2965	353	4	(	(	PUNCT
cblr-2965	353	5	1998	1998	NUM
cblr-2965	353	6	)	)	PUNCT
cblr-2965	354	1	[	[	X
cblr-2965	354	2	hereinafter	hereinafter	NOUN
cblr-2965	354	3	transparency	transparency	NOUN
cblr-2965	354	4	hearings	hearing	NOUN
cblr-2965	354	5	]	]	PUNCT
cblr-2965	354	6	(	(	PUNCT
cblr-2965	354	7	statement	statement	NOUN
cblr-2965	354	8	of	of	ADP
cblr-2965	354	9	arthur	arthur	PROPN
cblr-2965	354	10	levitt	levitt	PROPN
cblr-2965	354	11	,	,	PUNCT
cblr-2965	354	12	chairman	chairman	NOUN
cblr-2965	354	13	,	,	PUNCT
cblr-2965	354	14	sec	sec	PROPN
cblr-2965	354	15	)	)	PUNCT
cblr-2965	354	16	,	,	PUNCT
cblr-2965	354	17	available	available	ADJ
cblr-2965	354	18	at	at	ADP
cblr-2965	354	19	http://www.sec.gov/news/testimony/testarchive/1998/tsty	http://www.sec.gov/news/testimony/testarchive/1998/tsty	NOUN
cblr-2965	354	20	1398.htm	1398.htm	PROPN
cblr-2965	354	21	.	.	PUNCT
cblr-2965	355	1	see	see	VERB
cblr-2965	355	2	also	also	ADV
cblr-2965	355	3	u.s	u.s	PROPN
cblr-2965	355	4	.	.	PROPN
cblr-2965	355	5	gen	gen	PROPN
cblr-2965	355	6	.	.	PROPN
cblr-2965	355	7	accounting	accounting	PROPN
cblr-2965	355	8	office	office	PROPN
cblr-2965	355	9	,	,	PUNCT
cblr-2965	355	10	mutual	mutual	ADJ
cblr-2965	355	11	fund	fund	NOUN
cblr-2965	355	12	fees	fee	NOUN
cblr-2965	355	13	:	:	PUNCT
cblr-2965	355	14	additional	additional	ADJ
cblr-2965	355	15	disclosure	disclosure	NOUN
cblr-2965	355	16	could	could	AUX
cblr-2965	355	17	encourage	encourage	VERB
cblr-2965	355	18	price	price	NOUN
cblr-2965	355	19	competition	competition	NOUN
cblr-2965	355	20	7	7	NUM
cblr-2965	355	21	(	(	PUNCT
cblr-2965	355	22	2000	2000	NUM
cblr-2965	355	23	)	)	PUNCT
cblr-2965	356	1	[	[	X
cblr-2965	356	2	hereinafter	hereinafter	NOUN
cblr-2965	356	3	gao	gao	PROPN
cblr-2965	356	4	,	,	PUNCT
cblr-2965	356	5	mutual	mutual	ADJ
cblr-2965	356	6	fund	fund	NOUN
cblr-2965	356	7	fees	fee	NOUN
cblr-2965	356	8	]	]	PUNCT
cblr-2965	356	9	(	(	PUNCT
cblr-2965	356	10	"	"	PUNCT
cblr-2965	356	11	[	[	X
cblr-2965	356	12	riegulators	riegulator	NOUN
cblr-2965	356	13	rely	rely	VERB
cblr-2965	356	14	on	on	ADP
cblr-2965	356	15	competition	competition	NOUN
cblr-2965	356	16	to	to	PART
cblr-2965	356	17	be	be	AUX
cblr-2965	356	18	a	a	DET
cblr-2965	356	19	primary	primary	ADJ
cblr-2965	356	20	means	mean	NOUN
cblr-2965	356	21	of	of	ADP
cblr-2965	356	22	influencing	influence	VERB
cblr-2965	356	23	the	the	DET
cblr-2965	356	24	fees	fee	NOUN
cblr-2965	356	25	that	that	PRON
cblr-2965	356	26	mutual	mutual	ADJ
cblr-2965	356	27	fund	fund	NOUN
cblr-2965	356	28	advisers	adviser	NOUN
cblr-2965	356	29	charge	charge	VERB
cblr-2965	356	30	.	.	PUNCT
cblr-2965	356	31	"	"	PUNCT
cblr-2965	356	32	)	)	PUNCT
cblr-2965	356	33	.	.	PUNCT
cblr-2965	357	1	69	69	NUM
cblr-2965	357	2	registration	registration	NOUN
cblr-2965	357	3	form	form	NOUN
cblr-2965	357	4	used	use	VERB
cblr-2965	357	5	by	by	ADP
cblr-2965	357	6	open	open	ADJ
cblr-2965	357	7	-	-	PUNCT
cblr-2965	357	8	end	end	NOUN
cblr-2965	357	9	management	management	NOUN
cblr-2965	357	10	investment	investment	NOUN
cblr-2965	357	11	companies	company	NOUN
cblr-2965	357	12	,	,	PUNCT
cblr-2965	357	13	62	62	NUM
cblr-2965	357	14	fed	feed	VERB
cblr-2965	357	15	.	.	PUNCT
cblr-2965	358	1	reg	reg	PROPN
cblr-2965	358	2	.	.	PROPN
cblr-2965	358	3	10,898	10,898	NUM
cblr-2965	358	4	,	,	PUNCT
cblr-2965	358	5	10,900	10,900	NUM
cblr-2965	358	6	(	(	PUNCT
cblr-2965	358	7	mar	mar	PROPN
cblr-2965	358	8	.	.	PROPN
cblr-2965	358	9	10	10	NUM
cblr-2965	358	10	,	,	PUNCT
cblr-2965	358	11	1997	1997	NUM
cblr-2965	358	12	)	)	PUNCT
cblr-2965	359	1	(	(	PUNCT
cblr-2965	359	2	to	to	PART
cblr-2965	359	3	be	be	AUX
cblr-2965	359	4	codified	codify	VERB
cblr-2965	359	5	at	at	ADP
cblr-2965	359	6	17	17	NUM
cblr-2965	359	7	c.f.r	c.f.r	NOUN
cblr-2965	359	8	.	.	PUNCT
cblr-2965	360	1	pt	pt	PROPN
cblr-2965	360	2	.	.	PROPN
cblr-2965	360	3	230	230	NUM
cblr-2965	360	4	,	,	PUNCT
cblr-2965	360	5	239	239	NUM
cblr-2965	360	6	,	,	PUNCT
cblr-2965	360	7	270	270	NUM
cblr-2965	360	8	,	,	PUNCT
cblr-2965	360	9	274	274	NUM
cblr-2965	360	10	)	)	PUNCT
cblr-2965	360	11	(	(	PUNCT
cblr-2965	360	12	"	"	PUNCT
cblr-2965	360	13	the	the	DET
cblr-2965	360	14	commission	commission	NOUN
cblr-2965	360	15	regards	regard	VERB
cblr-2965	360	16	the	the	DET
cblr-2965	360	17	prospectus	prospectus	NOUN
cblr-2965	360	18	as	as	ADP
cblr-2965	360	19	an	an	DET
cblr-2965	360	20	investor	investor	NOUN
cblr-2965	360	21	's	's	PART
cblr-2965	360	22	primary	primary	ADJ
cblr-2965	360	23	source	source	NOUN
cblr-2965	360	24	of	of	ADP
cblr-2965	360	25	information	information	NOUN
cblr-2965	360	26	about	about	ADP
cblr-2965	360	27	a	a	DET
cblr-2965	360	28	fund	fund	NOUN
cblr-2965	360	29	.	.	PUNCT
cblr-2965	361	1	"	"	PUNCT
cblr-2965	361	2	)	)	PUNCT
cblr-2965	361	3	;	;	PUNCT
cblr-2965	361	4	see	see	VERB
cblr-2965	361	5	also	also	ADV
cblr-2965	361	6	,	,	PUNCT
cblr-2965	361	7	sec	sec	PROPN
cblr-2965	361	8	,	,	PUNCT
cblr-2965	361	9	invest	invest	VERB
cblr-2965	361	10	wisely	wisely	ADV
cblr-2965	361	11	,	,	PUNCT
cblr-2965	361	12	supra	supra	ADJ
cblr-2965	361	13	note	note	NOUN
cblr-2965	361	14	1	1	NUM
cblr-2965	361	15	(	(	PUNCT
cblr-2965	361	16	"	"	PUNCT
cblr-2965	361	17	the	the	DET
cblr-2965	361	18	prospectus	prospectus	NOUN
cblr-2965	361	19	is	be	AUX
cblr-2965	361	20	the	the	DET
cblr-2965	361	21	fund	fund	NOUN
cblr-2965	361	22	's	's	PART
cblr-2965	361	23	selling	selling	NOUN
cblr-2965	361	24	document	document	NOUN
cblr-2965	361	25	..	..	PUNCT
cblr-2965	361	26	"	"	PUNCT
cblr-2965	361	27	)	)	PUNCT
cblr-2965	361	28	.	.	PUNCT
cblr-2965	362	1	no	no	INTJ
cblr-2965	362	2	.	.	PUNCT
cblr-2965	363	1	3:934	3:934	X
cblr-2965	363	2	]	]	X
cblr-2965	363	3	prospectus	prospectus	NOUN
cblr-2965	363	4	before	before	ADP
cblr-2965	363	5	or	or	CCONJ
cblr-2965	363	6	at	at	ADP
cblr-2965	363	7	the	the	DET
cblr-2965	363	8	time	time	NOUN
cblr-2965	363	9	that	that	PRON
cblr-2965	363	10	the	the	DET
cblr-2965	363	11	investor	investor	NOUN
cblr-2965	363	12	purchases	purchase	NOUN
cblr-2965	363	13	fund	fund	VERB
cblr-2965	363	14	shares.70	shares.70	NOUN
cblr-2965	363	15	in	in	ADP
cblr-2965	363	16	addition	addition	NOUN
cblr-2965	363	17	,	,	PUNCT
cblr-2965	363	18	the	the	DET
cblr-2965	363	19	sec	sec	PROPN
cblr-2965	363	20	requires	require	VERB
cblr-2965	363	21	that	that	SCONJ
cblr-2965	363	22	fund	fund	NOUN
cblr-2965	363	23	advertisements	advertisement	NOUN
cblr-2965	363	24	explicitly	explicitly	ADV
cblr-2965	363	25	direct	direct	VERB
cblr-2965	363	26	investors	investor	NOUN
cblr-2965	363	27	to	to	ADP
cblr-2965	363	28	the	the	DET
cblr-2965	363	29	prospectus	prospectus	NOUN
cblr-2965	363	30	.	.	PUNCT
cblr-2965	364	1	advertisements	advertisement	NOUN
cblr-2965	364	2	must	must	AUX
cblr-2965	364	3	explain	explain	VERB
cblr-2965	364	4	that	that	SCONJ
cblr-2965	364	5	the	the	DET
cblr-2965	364	6	prospectus	prospectus	NOUN
cblr-2965	364	7	contains	contain	VERB
cblr-2965	364	8	information	information	NOUN
cblr-2965	364	9	about	about	ADP
cblr-2965	364	10	the	the	DET
cblr-2965	364	11	fund	fund	NOUN
cblr-2965	364	12	,	,	PUNCT
cblr-2965	364	13	must	must	AUX
cblr-2965	364	14	identify	identify	VERB
cblr-2965	364	15	where	where	SCONJ
cblr-2965	364	16	investors	investor	NOUN
cblr-2965	364	17	can	can	AUX
cblr-2965	364	18	obtain	obtain	VERB
cblr-2965	364	19	the	the	DET
cblr-2965	364	20	prospectus	prospectus	NOUN
cblr-2965	364	21	,	,	PUNCT
cblr-2965	364	22	and	and	CCONJ
cblr-2965	364	23	must	must	AUX
cblr-2965	364	24	warn	warn	VERB
cblr-2965	364	25	that	that	SCONJ
cblr-2965	364	26	"	"	PUNCT
cblr-2965	364	27	the	the	DET
cblr-2965	364	28	prospectus	prospectus	NOUN
cblr-2965	364	29	should	should	AUX
cblr-2965	364	30	be	be	AUX
cblr-2965	364	31	read	read	VERB
cblr-2965	364	32	carefully	carefully	ADV
cblr-2965	364	33	before	before	ADP
cblr-2965	364	34	investing	invest	VERB
cblr-2965	364	35	.	.	PUNCT
cblr-2965	365	1	"71	"71	PROPN
cblr-2965	365	2	the	the	DET
cblr-2965	365	3	sec	sec	PROPN
cblr-2965	365	4	recognizes	recognize	VERB
cblr-2965	365	5	that	that	SCONJ
cblr-2965	365	6	investors	investor	NOUN
cblr-2965	365	7	vary	vary	VERB
cblr-2965	365	8	in	in	ADP
cblr-2965	365	9	sophistication	sophistication	NOUN
cblr-2965	365	10	and	and	CCONJ
cblr-2965	365	11	thus	thus	ADV
cblr-2965	365	12	seek	seek	VERB
cblr-2965	365	13	different	different	ADJ
cblr-2965	365	14	types	type	NOUN
cblr-2965	365	15	and	and	CCONJ
cblr-2965	365	16	amounts	amount	NOUN
cblr-2965	365	17	of	of	ADP
cblr-2965	365	18	information	information	NOUN
cblr-2965	365	19	before	before	ADP
cblr-2965	365	20	buying	buy	VERB
cblr-2965	365	21	a	a	DET
cblr-2965	365	22	mutual	mutual	ADJ
cblr-2965	365	23	fund	fund	NOUN
cblr-2965	365	24	.	.	PUNCT
cblr-2965	366	1	however	however	ADV
cblr-2965	366	2	,	,	PUNCT
cblr-2965	366	3	the	the	DET
cblr-2965	366	4	target	target	NOUN
cblr-2965	366	5	audience	audience	NOUN
cblr-2965	366	6	for	for	ADP
cblr-2965	366	7	the	the	DET
cblr-2965	366	8	prospectus	prospectus	NOUN
cblr-2965	366	9	,	,	PUNCT
cblr-2965	366	10	in	in	ADP
cblr-2965	366	11	the	the	DET
cblr-2965	366	12	view	view	NOUN
cblr-2965	366	13	of	of	ADP
cblr-2965	366	14	the	the	DET
cblr-2965	366	15	sec	sec	PROPN
cblr-2965	366	16	,	,	PUNCT
cblr-2965	366	17	is	be	AUX
cblr-2965	366	18	the	the	DET
cblr-2965	366	19	typical	typical	ADJ
cblr-2965	366	20	investor	investor	NOUN
cblr-2965	366	21	.	.	PUNCT
cblr-2965	367	1	3	3	NUM
cblr-2965	367	2	thus	thus	ADV
cblr-2965	367	3	,	,	PUNCT
cblr-2965	367	4	the	the	DET
cblr-2965	367	5	required	require	VERB
cblr-2965	367	6	content	content	NOUN
cblr-2965	367	7	and	and	CCONJ
cblr-2965	367	8	form	form	NOUN
cblr-2965	367	9	of	of	ADP
cblr-2965	367	10	the	the	DET
cblr-2965	367	11	disclosures	disclosure	NOUN
cblr-2965	367	12	in	in	ADP
cblr-2965	367	13	the	the	DET
cblr-2965	367	14	prospectus	prospectus	NOUN
cblr-2965	367	15	reflect	reflect	VERB
cblr-2965	367	16	the	the	DET
cblr-2965	367	17	sec	sec	PROPN
cblr-2965	367	18	's	's	PART
cblr-2965	367	19	view	view	NOUN
cblr-2965	367	20	of	of	ADP
cblr-2965	367	21	the	the	DET
cblr-2965	367	22	abilities	ability	NOUN
cblr-2965	367	23	and	and	CCONJ
cblr-2965	367	24	limitations	limitation	NOUN
cblr-2965	367	25	of	of	ADP
cblr-2965	367	26	the	the	DET
cblr-2965	367	27	typical	typical	ADJ
cblr-2965	367	28	mutual	mutual	ADJ
cblr-2965	367	29	fund	fund	NOUN
cblr-2965	367	30	investor	investor	NOUN
cblr-2965	367	31	.	.	PUNCT
cblr-2965	368	1	1	1	X
cblr-2965	368	2	.	.	X
cblr-2965	368	3	streamlined	streamline	VERB
cblr-2965	368	4	disclosure	disclosure	NOUN
cblr-2965	368	5	in	in	ADP
cblr-2965	368	6	its	its	PRON
cblr-2965	368	7	instructions	instruction	NOUN
cblr-2965	368	8	regarding	regard	VERB
cblr-2965	368	9	how	how	SCONJ
cblr-2965	368	10	to	to	PART
cblr-2965	368	11	write	write	VERB
cblr-2965	368	12	a	a	DET
cblr-2965	368	13	prospectus	prospectus	NOUN
cblr-2965	369	1	,	,	PUNCT
cblr-2965	369	2	the	the	DET
cblr-2965	369	3	sec	sec	PROPN
cblr-2965	369	4	acknowledges	acknowledge	VERB
cblr-2965	369	5	that	that	SCONJ
cblr-2965	369	6	most	most	ADJ
cblr-2965	369	7	investors	investor	NOUN
cblr-2965	369	8	"	"	PUNCT
cblr-2965	369	9	may	may	AUX
cblr-2965	369	10	not	not	PART
cblr-2965	369	11	be	be	AUX
cblr-2965	369	12	70	70	NUM
cblr-2965	369	13	securities	security	NOUN
cblr-2965	369	14	act	act	NOUN
cblr-2965	369	15	of	of	ADP
cblr-2965	369	16	1933	1933	NUM
cblr-2965	369	17	§	§	PROPN
cblr-2965	369	18	5(b)(2	5(b)(2	PROPN
cblr-2965	369	19	)	)	PUNCT
cblr-2965	369	20	,	,	PUNCT
cblr-2965	369	21	15	15	NUM
cblr-2965	369	22	u.s.c	u.s.c	ADJ
cblr-2965	369	23	.	.	PUNCT
cblr-2965	370	1	§	§	PROPN
cblr-2965	370	2	77e(b)(2	77e(b)(2	NOUN
cblr-2965	370	3	)	)	PUNCT
cblr-2965	370	4	(	(	PUNCT
cblr-2965	370	5	2006	2006	NUM
cblr-2965	370	6	)	)	PUNCT
cblr-2965	370	7	.	.	PUNCT
cblr-2965	371	1	"	"	PUNCT
cblr-2965	371	2	'	'	PUNCT
cblr-2965	371	3	amendments	amendment	NOUN
cblr-2965	371	4	to	to	ADP
cblr-2965	371	5	investment	investment	NOUN
cblr-2965	371	6	company	company	NOUN
cblr-2965	371	7	advertising	advertising	NOUN
cblr-2965	371	8	rules	rule	NOUN
cblr-2965	371	9	,	,	PUNCT
cblr-2965	371	10	68	68	NUM
cblr-2965	371	11	fed	feed	VERB
cblr-2965	371	12	.	.	PUNCT
cblr-2965	372	1	reg	reg	PROPN
cblr-2965	372	2	.	.	PUNCT
cblr-2965	373	1	57,760	57,760	NUM
cblr-2965	373	2	,	,	PUNCT
cblr-2965	373	3	57,777	57,777	NUM
cblr-2965	373	4	(	(	PUNCT
cblr-2965	373	5	oct	oct	PROPN
cblr-2965	373	6	.	.	PROPN
cblr-2965	373	7	6	6	NUM
cblr-2965	373	8	,	,	PUNCT
cblr-2965	373	9	2003	2003	NUM
cblr-2965	373	10	)	)	PUNCT
cblr-2965	373	11	(	(	PUNCT
cblr-2965	373	12	to	to	PART
cblr-2965	373	13	be	be	AUX
cblr-2965	373	14	codified	codify	VERB
cblr-2965	373	15	at	at	ADP
cblr-2965	373	16	17	17	NUM
cblr-2965	373	17	c.f.r	c.f.r	NOUN
cblr-2965	373	18	.	.	PUNCT
cblr-2965	374	1	pt	pt	PROPN
cblr-2965	374	2	.	.	PROPN
cblr-2965	374	3	230	230	NUM
cblr-2965	374	4	,	,	PUNCT
cblr-2965	374	5	239	239	NUM
cblr-2965	374	6	,	,	PUNCT
cblr-2965	374	7	270	270	NUM
cblr-2965	374	8	,	,	PUNCT
cblr-2965	374	9	274	274	NUM
cblr-2965	374	10	)	)	PUNCT
cblr-2965	374	11	.	.	PUNCT
cblr-2965	375	1	72	72	NUM
cblr-2965	375	2	registration	registration	NOUN
cblr-2965	375	3	form	form	NOUN
cblr-2965	375	4	used	use	VERB
cblr-2965	375	5	by	by	ADP
cblr-2965	375	6	open	open	ADJ
cblr-2965	375	7	-	-	PUNCT
cblr-2965	375	8	end	end	NOUN
cblr-2965	375	9	management	management	NOUN
cblr-2965	375	10	investment	investment	NOUN
cblr-2965	375	11	companies	company	NOUN
cblr-2965	375	12	,	,	PUNCT
cblr-2965	375	13	62	62	NUM
cblr-2965	375	14	fed	feed	VERB
cblr-2965	375	15	.	.	PUNCT
cblr-2965	376	1	reg	reg	PROPN
cblr-2965	376	2	.	.	PUNCT
cblr-2965	377	1	at	at	ADP
cblr-2965	377	2	10,900	10,900	NUM
cblr-2965	377	3	(	(	PUNCT
cblr-2965	377	4	"	"	PUNCT
cblr-2965	377	5	different	different	ADJ
cblr-2965	377	6	investors	investor	NOUN
cblr-2965	377	7	prefer	prefer	VERB
cblr-2965	377	8	different	different	ADJ
cblr-2965	377	9	amounts	amount	NOUN
cblr-2965	377	10	of	of	ADP
cblr-2965	377	11	information	information	NOUN
cblr-2965	377	12	before	before	ADP
cblr-2965	377	13	making	make	VERB
cblr-2965	377	14	an	an	DET
cblr-2965	377	15	investment	investment	NOUN
cblr-2965	377	16	decision	decision	NOUN
cblr-2965	377	17	,	,	PUNCT
cblr-2965	377	18	and	and	CCONJ
cblr-2965	377	19	regulatory	regulatory	ADJ
cblr-2965	377	20	requirements	requirement	NOUN
cblr-2965	377	21	should	should	AUX
cblr-2965	377	22	not	not	PART
cblr-2965	377	23	foreclose	foreclose	VERB
cblr-2965	377	24	options	option	NOUN
cblr-2965	377	25	that	that	PRON
cblr-2965	377	26	respond	respond	VERB
cblr-2965	377	27	to	to	ADP
cblr-2965	377	28	prospective	prospective	ADJ
cblr-2965	377	29	investors	investor	NOUN
cblr-2965	377	30	'	'	PART
cblr-2965	377	31	information	information	NOUN
cblr-2965	377	32	needs	need	NOUN
cblr-2965	377	33	.	.	PUNCT
cblr-2965	377	34	"	"	PUNCT
cblr-2965	377	35	)	)	PUNCT
cblr-2965	377	36	;	;	PUNCT
cblr-2965	377	37	new	new	ADJ
cblr-2965	377	38	disclosure	disclosure	NOUN
cblr-2965	377	39	option	option	NOUN
cblr-2965	377	40	for	for	ADP
cblr-2965	377	41	open	open	ADJ
cblr-2965	377	42	-	-	PUNCT
cblr-2965	377	43	end	end	NOUN
cblr-2965	377	44	management	management	NOUN
cblr-2965	377	45	investment	investment	NOUN
cblr-2965	377	46	companies	company	NOUN
cblr-2965	377	47	,	,	PUNCT
cblr-2965	377	48	63	63	NUM
cblr-2965	377	49	fed	feed	VERB
cblr-2965	377	50	.	.	PUNCT
cblr-2965	378	1	reg	reg	PROPN
cblr-2965	378	2	.	.	PROPN
cblr-2965	378	3	13,968	13,968	NUM
cblr-2965	378	4	,	,	PUNCT
cblr-2965	378	5	13,970	13,970	NUM
cblr-2965	378	6	(	(	PUNCT
cblr-2965	378	7	mar	mar	PROPN
cblr-2965	378	8	.	.	PROPN
cblr-2965	378	9	23	23	NUM
cblr-2965	378	10	,	,	PUNCT
cblr-2965	378	11	1998	1998	NUM
cblr-2965	378	12	)	)	PUNCT
cblr-2965	378	13	(	(	PUNCT
cblr-2965	378	14	to	to	PART
cblr-2965	378	15	be	be	AUX
cblr-2965	378	16	codified	codify	VERB
cblr-2965	378	17	at	at	ADP
cblr-2965	378	18	17	17	NUM
cblr-2965	378	19	c.f.r	c.f.r	NOUN
cblr-2965	378	20	.	.	PUNCT
cblr-2965	379	1	pt	pt	PROPN
cblr-2965	379	2	.	.	PROPN
cblr-2965	379	3	230	230	NUM
cblr-2965	379	4	,	,	PUNCT
cblr-2965	379	5	270	270	NUM
cblr-2965	379	6	)	)	PUNCT
cblr-2965	379	7	(	(	PUNCT
cblr-2965	379	8	"	"	PUNCT
cblr-2965	379	9	[	[	X
cblr-2965	379	10	d]ifferent	d]ifferent	NOUN
cblr-2965	379	11	investors	investor	NOUN
cblr-2965	379	12	desire	desire	VERB
cblr-2965	379	13	and	and	CCONJ
cblr-2965	379	14	use	use	VERB
cblr-2965	379	15	different	different	ADJ
cblr-2965	379	16	types	type	NOUN
cblr-2965	379	17	and	and	CCONJ
cblr-2965	379	18	amounts	amount	NOUN
cblr-2965	379	19	of	of	ADP
cblr-2965	379	20	materials	material	NOUN
cblr-2965	379	21	in	in	ADP
cblr-2965	379	22	determining	determine	VERB
cblr-2965	379	23	whether	whether	SCONJ
cblr-2965	379	24	to	to	PART
cblr-2965	379	25	invest	invest	VERB
cblr-2965	379	26	in	in	ADP
cblr-2965	379	27	funds	fund	NOUN
cblr-2965	379	28	.	.	PUNCT
cblr-2965	380	1	"	"	PUNCT
cblr-2965	380	2	)	)	PUNCT
cblr-2965	380	3	.	.	PUNCT
cblr-2965	381	1	7	7	NUM
cblr-2965	381	2	registration	registration	NOUN
cblr-2965	381	3	form	form	NOUN
cblr-2965	381	4	used	use	VERB
cblr-2965	381	5	by	by	ADP
cblr-2965	381	6	open	open	ADJ
cblr-2965	381	7	-	-	PUNCT
cblr-2965	381	8	end	end	NOUN
cblr-2965	381	9	management	management	NOUN
cblr-2965	381	10	investment	investment	NOUN
cblr-2965	381	11	companies	company	NOUN
cblr-2965	381	12	,	,	PUNCT
cblr-2965	381	13	62	62	NUM
cblr-2965	381	14	fed	feed	VERB
cblr-2965	381	15	.	.	PUNCT
cblr-2965	382	1	reg	reg	PROPN
cblr-2965	382	2	.	.	PUNCT
cblr-2965	383	1	at	at	ADP
cblr-2965	383	2	10,900	10,900	NUM
cblr-2965	383	3	(	(	PUNCT
cblr-2965	383	4	"	"	PUNCT
cblr-2965	383	5	the	the	DET
cblr-2965	383	6	prospectus	prospectus	NOUN
cblr-2965	383	7	is	be	AUX
cblr-2965	383	8	intended	intend	VERB
cblr-2965	383	9	to	to	PART
cblr-2965	383	10	provide	provide	VERB
cblr-2965	383	11	information	information	NOUN
cblr-2965	383	12	about	about	ADP
cblr-2965	383	13	matters	matter	NOUN
cblr-2965	383	14	of	of	ADP
cblr-2965	383	15	fundamental	fundamental	ADJ
cblr-2965	383	16	importance	importance	NOUN
cblr-2965	383	17	to	to	ADP
cblr-2965	383	18	most	most	ADJ
cblr-2965	383	19	investors	investor	NOUN
cblr-2965	383	20	.	.	PUNCT
cblr-2965	384	1	"	"	PUNCT
cblr-2965	384	2	)	)	PUNCT
cblr-2965	384	3	;	;	PUNCT
cblr-2965	384	4	registration	registration	NOUN
cblr-2965	384	5	form	form	NOUN
cblr-2965	384	6	used	use	VERB
cblr-2965	384	7	by	by	ADP
cblr-2965	384	8	open	open	ADJ
cblr-2965	384	9	-	-	PUNCT
cblr-2965	384	10	end	end	NOUN
cblr-2965	384	11	management	management	NOUN
cblr-2965	384	12	investment	investment	NOUN
cblr-2965	384	13	companies	company	NOUN
cblr-2965	384	14	,	,	PUNCT
cblr-2965	384	15	63	63	NUM
cblr-2965	384	16	fed	feed	VERB
cblr-2965	384	17	.	.	PUNCT
cblr-2965	385	1	reg	reg	PROPN
cblr-2965	385	2	.	.	PROPN
cblr-2965	386	1	13,916	13,916	NUM
cblr-2965	386	2	,	,	PUNCT
cblr-2965	386	3	13,919	13,919	NUM
cblr-2965	386	4	(	(	PUNCT
cblr-2965	386	5	mar	mar	PROPN
cblr-2965	386	6	.	.	PROPN
cblr-2965	386	7	28	28	NUM
cblr-2965	386	8	,	,	PUNCT
cblr-2965	386	9	1998	1998	NUM
cblr-2965	386	10	)	)	PUNCT
cblr-2965	387	1	(	(	PUNCT
cblr-2965	387	2	to	to	PART
cblr-2965	387	3	be	be	AUX
cblr-2965	387	4	codified	codify	VERB
cblr-2965	387	5	at	at	ADP
cblr-2965	387	6	17	17	NUM
cblr-2965	387	7	c.f.r	c.f.r	NOUN
cblr-2965	387	8	.	.	PUNCT
cblr-2965	388	1	pt	pt	PROPN
cblr-2965	388	2	.	.	PROPN
cblr-2965	388	3	230	230	NUM
cblr-2965	388	4	,	,	PUNCT
cblr-2965	388	5	232	232	NUM
cblr-2965	388	6	,	,	PUNCT
cblr-2965	388	7	239	239	NUM
cblr-2965	388	8	,	,	PUNCT
cblr-2965	388	9	240	240	NUM
cblr-2965	388	10	,	,	PUNCT
cblr-2965	388	11	270	270	NUM
cblr-2965	388	12	,	,	PUNCT
cblr-2965	388	13	274	274	NUM
cblr-2965	388	14	)	)	PUNCT
cblr-2965	388	15	(	(	PUNCT
cblr-2965	388	16	"	"	PUNCT
cblr-2965	388	17	funds	fund	NOUN
cblr-2965	388	18	should	should	AUX
cblr-2965	388	19	limit	limit	VERB
cblr-2965	388	20	disclosure	disclosure	NOUN
cblr-2965	388	21	in	in	ADP
cblr-2965	388	22	prospectuses	prospectus	NOUN
cblr-2965	388	23	generally	generally	ADV
cblr-2965	388	24	to	to	ADP
cblr-2965	388	25	information	information	NOUN
cblr-2965	388	26	that	that	PRON
cblr-2965	388	27	is	be	AUX
cblr-2965	388	28	necessary	necessary	ADJ
cblr-2965	388	29	for	for	SCONJ
cblr-2965	388	30	an	an	DET
cblr-2965	388	31	average	average	ADJ
cblr-2965	388	32	or	or	CCONJ
cblr-2965	388	33	typical	typical	ADJ
cblr-2965	388	34	investor	investor	NOUN
cblr-2965	388	35	to	to	PART
cblr-2965	388	36	make	make	VERB
cblr-2965	388	37	an	an	DET
cblr-2965	388	38	investment	investment	NOUN
cblr-2965	388	39	decision	decision	NOUN
cblr-2965	388	40	.	.	PUNCT
cblr-2965	389	1	"	"	PUNCT
cblr-2965	389	2	)	)	PUNCT
cblr-2965	389	3	.	.	PUNCT
cblr-2965	390	1	col	col	PROPN
cblr-2965	390	2	umbia	umbia	PROPN
cblr-2965	390	3	b	b	PROPN
cblr-2965	390	4	usiness	usiness	PROPN
cblr-2965	390	5	la	la	PROPN
cblr-2965	390	6	w	w	PROPN
cblr-2965	390	7	re	re	PROPN
cblr-2965	390	8	vie	vie	PROPN
cblr-2965	390	9	w	w	PROPN
cblr-2965	391	1	[	[	X
cblr-2965	391	2	vol	vol	NOUN
cblr-2965	391	3	.	.	NOUN
cblr-2965	391	4	2008	2008	NUM
cblr-2965	391	5	mutual	mutual	ADJ
cblr-2965	391	6	fund	fund	NOUN
cblr-2965	391	7	investors	investor	NOUN
cblr-2965	391	8	sophisticated	sophisticate	VERB
cblr-2965	391	9	in	in	ADP
cblr-2965	391	10	legal	legal	ADJ
cblr-2965	391	11	or	or	CCONJ
cblr-2965	391	12	financial	financial	ADJ
cblr-2965	391	13	matters	matter	NOUN
cblr-2965	391	14	.	.	PUNCT
cblr-2965	391	15	"	"	PUNCT
cblr-2965	392	1	the	the	DET
cblr-2965	392	2	sec	sec	PROPN
cblr-2965	392	3	also	also	ADV
cblr-2965	392	4	recognizes	recognize	VERB
cblr-2965	392	5	that	that	SCONJ
cblr-2965	392	6	most	most	ADJ
cblr-2965	392	7	investors	investor	NOUN
cblr-2965	392	8	are	be	AUX
cblr-2965	392	9	less	less	ADV
cblr-2965	392	10	likely	likely	ADJ
cblr-2965	392	11	to	to	PART
cblr-2965	392	12	read	read	VERB
cblr-2965	392	13	a	a	DET
cblr-2965	392	14	prospectus	prospectus	NOUN
cblr-2965	392	15	that	that	PRON
cblr-2965	392	16	is	be	AUX
cblr-2965	392	17	difficult	difficult	ADJ
cblr-2965	392	18	to	to	PART
cblr-2965	392	19	understand	understand	VERB
cblr-2965	392	20	.	.	PUNCT
cblr-2965	392	21	"	"	PUNCT
cblr-2965	393	1	thus	thus	ADV
cblr-2965	393	2	,	,	PUNCT
cblr-2965	393	3	the	the	DET
cblr-2965	393	4	sec	sec	PROPN
cblr-2965	393	5	has	have	AUX
cblr-2965	393	6	tried	try	VERB
cblr-2965	393	7	to	to	PART
cblr-2965	393	8	"	"	PUNCT
cblr-2965	393	9	streamline	streamline	VERB
cblr-2965	393	10	prospectus	prospectus	NOUN
cblr-2965	393	11	disclosure	disclosure	NOUN
cblr-2965	393	12	requirements	requirement	NOUN
cblr-2965	393	13	to	to	PART
cblr-2965	393	14	focus	focus	VERB
cblr-2965	393	15	on	on	ADP
cblr-2965	393	16	essential	essential	ADJ
cblr-2965	393	17	information	information	NOUN
cblr-2965	393	18	about	about	ADP
cblr-2965	393	19	a	a	DET
cblr-2965	393	20	particular	particular	ADJ
cblr-2965	393	21	fund	fund	NOUN
cblr-2965	393	22	and	and	CCONJ
cblr-2965	393	23	make	make	VERB
cblr-2965	393	24	the	the	DET
cblr-2965	393	25	prospectus	prospectus	NOUN
cblr-2965	393	26	less	less	ADV
cblr-2965	393	27	technical	technical	ADJ
cblr-2965	393	28	and	and	CCONJ
cblr-2965	393	29	easier	easy	ADJ
cblr-2965	393	30	to	to	PART
cblr-2965	393	31	read	read	VERB
cblr-2965	393	32	.	.	PUNCT
cblr-2965	394	1	"76	"76	NOUN
cblr-2965	394	2	one	one	NUM
cblr-2965	394	3	way	way	NOUN
cblr-2965	394	4	that	that	PRON
cblr-2965	394	5	the	the	DET
cblr-2965	394	6	sec	sec	PROPN
cblr-2965	394	7	has	have	AUX
cblr-2965	394	8	tried	try	VERB
cblr-2965	394	9	to	to	PART
cblr-2965	394	10	make	make	VERB
cblr-2965	394	11	the	the	DET
cblr-2965	394	12	prospectus	prospectus	NOUN
cblr-2965	394	13	more	more	ADV
cblr-2965	394	14	accessible	accessible	ADJ
cblr-2965	394	15	to	to	PART
cblr-2965	394	16	fund	fund	VERB
cblr-2965	394	17	investors	investor	NOUN
cblr-2965	394	18	is	be	AUX
cblr-2965	394	19	by	by	ADP
cblr-2965	394	20	moving	move	VERB
cblr-2965	394	21	more	more	ADV
cblr-2965	394	22	complicated	complicated	ADJ
cblr-2965	394	23	and	and	CCONJ
cblr-2965	394	24	detailed	detailed	ADJ
cblr-2965	394	25	information	information	NOUN
cblr-2965	394	26	out	out	ADP
cblr-2965	394	27	of	of	ADP
cblr-2965	394	28	the	the	DET
cblr-2965	394	29	prospectus	prospectus	NOUN
cblr-2965	394	30	to	to	ADP
cblr-2965	394	31	another	another	DET
cblr-2965	394	32	document	document	NOUN
cblr-2965	394	33	.	.	PUNCT
cblr-2965	395	1	in	in	ADP
cblr-2965	395	2	1983	1983	NUM
cblr-2965	395	3	,	,	PUNCT
cblr-2965	395	4	the	the	DET
cblr-2965	395	5	sec	sec	PROPN
cblr-2965	395	6	adopted	adopt	VERB
cblr-2965	395	7	a	a	DET
cblr-2965	395	8	"	"	PUNCT
cblr-2965	395	9	two	two	NUM
cblr-2965	395	10	-	-	PUNCT
cblr-2965	395	11	part	part	NOUN
cblr-2965	395	12	disclosure	disclosure	NOUN
cblr-2965	395	13	format	format	NOUN
cblr-2965	395	14	,	,	PUNCT
cblr-2965	395	15	"	"	PUNCT
cblr-2965	395	16	under	under	ADP
cblr-2965	395	17	which	which	PRON
cblr-2965	395	18	investors	investor	NOUN
cblr-2965	395	19	receive	receive	VERB
cblr-2965	395	20	a	a	DET
cblr-2965	395	21	"	"	PUNCT
cblr-2965	395	22	simplified	simplified	ADJ
cblr-2965	395	23	prospectus	prospectus	NOUN
cblr-2965	395	24	designed	design	VERB
cblr-2965	395	25	to	to	PART
cblr-2965	395	26	contain	contain	VERB
cblr-2965	395	27	essential	essential	ADJ
cblr-2965	395	28	information	information	NOUN
cblr-2965	395	29	"	"	PUNCT
cblr-2965	395	30	about	about	ADP
cblr-2965	395	31	a	a	DET
cblr-2965	395	32	fund	fund	NOUN
cblr-2965	395	33	.	.	PUNCT
cblr-2965	396	1	upon	upon	SCONJ
cblr-2965	396	2	request	request	NOUN
cblr-2965	396	3	,	,	PUNCT
cblr-2965	396	4	investors	investor	NOUN
cblr-2965	396	5	can	can	AUX
cblr-2965	396	6	also	also	ADV
cblr-2965	396	7	obtain	obtain	VERB
cblr-2965	396	8	a	a	DET
cblr-2965	396	9	statement	statement	NOUN
cblr-2965	396	10	of	of	ADP
cblr-2965	396	11	additional	additional	ADJ
cblr-2965	396	12	information	information	NOUN
cblr-2965	396	13	that	that	PRON
cblr-2965	396	14	contains	contain	VERB
cblr-2965	396	15	"	"	PUNCT
cblr-2965	396	16	more	more	ADV
cblr-2965	396	17	extensive	extensive	ADJ
cblr-2965	396	18	information	information	NOUN
cblr-2965	396	19	and	and	CCONJ
cblr-2965	396	20	detailed	detailed	ADJ
cblr-2965	396	21	discussions	discussion	NOUN
cblr-2965	396	22	of	of	ADP
cblr-2965	396	23	matters	matter	NOUN
cblr-2965	396	24	included	include	VERB
cblr-2965	396	25	in	in	ADP
cblr-2965	396	26	the	the	DET
cblr-2965	396	27	prospectus	prospectus	NOUN
cblr-2965	396	28	.	.	PUNCT
cblr-2965	397	1	"77	"77	VERB
cblr-2965	397	2	in	in	ADP
cblr-2965	397	3	doing	do	VERB
cblr-2965	397	4	so	so	ADV
cblr-2965	397	5	,	,	PUNCT
cblr-2965	397	6	the	the	DET
cblr-2965	397	7	sec	sec	PROPN
cblr-2965	397	8	intended	intend	VERB
cblr-2965	397	9	the	the	DET
cblr-2965	397	10	prospectus	prospectus	NOUN
cblr-2965	397	11	to	to	PART
cblr-2965	397	12	include	include	VERB
cblr-2965	397	13	only	only	ADV
cblr-2965	397	14	fund	fund	NOUN
cblr-2965	397	15	information	information	NOUN
cblr-2965	397	16	that	that	PRON
cblr-2965	397	17	would	would	AUX
cblr-2965	397	18	be	be	AUX
cblr-2965	397	19	used	use	VERB
cblr-2965	397	20	by	by	ADP
cblr-2965	397	21	"	"	PUNCT
cblr-2965	397	22	typical	typical	ADJ
cblr-2965	397	23	or	or	CCONJ
cblr-2965	397	24	average	average	ADJ
cblr-2965	397	25	investors	investor	NOUN
cblr-2965	397	26	"	"	PUNCT
cblr-2965	397	27	and	and	CCONJ
cblr-2965	397	28	the	the	DET
cblr-2965	397	29	statement	statement	NOUN
cblr-2965	397	30	of	of	ADP
cblr-2965	397	31	additional	additional	ADJ
cblr-2965	397	32	information	information	NOUN
cblr-2965	397	33	to	to	PART
cblr-2965	397	34	contain	contain	VERB
cblr-2965	397	35	information	information	NOUN
cblr-2965	397	36	of	of	ADP
cblr-2965	397	37	interest	interest	NOUN
cblr-2965	397	38	only	only	ADV
cblr-2965	397	39	to	to	ADP
cblr-2965	397	40	"	"	PUNCT
cblr-2965	397	41	sophisticated	sophisticated	ADJ
cblr-2965	397	42	investors	investor	NOUN
cblr-2965	397	43	.	.	PUNCT
cblr-2965	398	1	"78	"78	PUNCT
cblr-2965	398	2	therefore	therefore	ADV
cblr-2965	398	3	,	,	PUNCT
cblr-2965	398	4	the	the	DET
cblr-2965	398	5	contents	content	NOUN
cblr-2965	398	6	of	of	ADP
cblr-2965	398	7	the	the	DET
cblr-2965	398	8	prospectus	prospectus	NOUN
cblr-2965	398	9	reflect	reflect	VERB
cblr-2965	398	10	the	the	DET
cblr-2965	398	11	sec	sec	PROPN
cblr-2965	398	12	's	's	PART
cblr-2965	398	13	view	view	NOUN
cblr-2965	398	14	of	of	ADP
cblr-2965	398	15	what	what	PRON
cblr-2965	398	16	information	information	NOUN
cblr-2965	398	17	is	be	AUX
cblr-2965	398	18	useful	useful	ADJ
cblr-2965	398	19	to	to	ADP
cblr-2965	398	20	the	the	DET
cblr-2965	398	21	"	"	PUNCT
cblr-2965	398	22	typical	typical	ADJ
cblr-2965	398	23	"	"	PUNCT
cblr-2965	398	24	mutual	mutual	ADJ
cblr-2965	398	25	fund	fund	NOUN
cblr-2965	398	26	investor	investor	NOUN
cblr-2965	398	27	.	.	PUNCT
cblr-2965	398	28	"	"	PUNCT
cblr-2965	399	1	in	in	ADP
cblr-2965	399	2	the	the	DET
cblr-2965	399	3	prospectus	prospectus	NOUN
cblr-2965	399	4	,	,	PUNCT
cblr-2965	399	5	the	the	DET
cblr-2965	399	6	sec	sec	PROPN
cblr-2965	399	7	requires	require	VERB
cblr-2965	399	8	information	information	NOUN
cblr-2965	399	9	about	about	ADP
cblr-2965	399	10	:	:	PUNCT
cblr-2965	399	11	"	"	PUNCT
cblr-2965	399	12	sec	sec	PROPN
cblr-2965	399	13	,	,	PUNCT
cblr-2965	399	14	form	form	NOUN
cblr-2965	399	15	n-1a	n-1a	PROPN
cblr-2965	399	16	,	,	PUNCT
cblr-2965	399	17	at	at	ADP
cblr-2965	399	18	general	general	ADJ
cblr-2965	399	19	instruction	instruction	NOUN
cblr-2965	399	20	c(1)(b	c(1)(b	NOUN
cblr-2965	399	21	)	)	PUNCT
cblr-2965	399	22	,	,	PUNCT
cblr-2965	399	23	available	available	ADJ
cblr-2965	399	24	at	at	ADP
cblr-2965	399	25	http://www.sec.gov/about/forms/formn-la.pdf	http://www.sec.gov/about/forms/formn-la.pdf	PROPN
cblr-2965	399	26	(	(	PUNCT
cblr-2965	399	27	last	last	ADV
cblr-2965	399	28	visited	visit	VERB
cblr-2965	399	29	dec	dec	PROPN
cblr-2965	399	30	.	.	PROPN
cblr-2965	399	31	3	3	NUM
cblr-2965	399	32	,	,	PUNCT
cblr-2965	399	33	2008	2008	NUM
cblr-2965	399	34	)	)	PUNCT
cblr-2965	399	35	.	.	PUNCT
cblr-2965	400	1	"	"	PUNCT
cblr-2965	400	2	registration	registration	NOUN
cblr-2965	400	3	form	form	NOUN
cblr-2965	400	4	used	use	VERB
cblr-2965	400	5	by	by	ADP
cblr-2965	400	6	open	open	ADJ
cblr-2965	400	7	-	-	PUNCT
cblr-2965	400	8	end	end	NOUN
cblr-2965	400	9	management	management	NOUN
cblr-2965	400	10	investment	investment	NOUN
cblr-2965	400	11	companies	company	NOUN
cblr-2965	400	12	,	,	PUNCT
cblr-2965	400	13	62	62	NUM
cblr-2965	400	14	fed	feed	VERB
cblr-2965	400	15	.	.	PUNCT
cblr-2965	401	1	reg	reg	PROPN
cblr-2965	401	2	.	.	PUNCT
cblr-2965	402	1	at	at	ADP
cblr-2965	402	2	10,900	10,900	NUM
cblr-2965	402	3	(	(	PUNCT
cblr-2965	402	4	"	"	PUNCT
cblr-2965	402	5	a	a	DET
cblr-2965	402	6	prospectus	prospectus	NOUN
cblr-2965	402	7	...	...	PUNCT
cblr-2965	402	8	is	be	AUX
cblr-2965	402	9	not	not	PART
cblr-2965	402	10	useful	useful	ADJ
cblr-2965	402	11	to	to	ADP
cblr-2965	402	12	investors	investor	NOUN
cblr-2965	402	13	if	if	SCONJ
cblr-2965	402	14	it	it	PRON
cblr-2965	402	15	is	be	AUX
cblr-2965	402	16	in	in	ADP
cblr-2965	402	17	a	a	DET
cblr-2965	402	18	form	form	NOUN
cblr-2965	402	19	that	that	PRON
cblr-2965	402	20	discourages	discourage	VERB
cblr-2965	402	21	investors	investor	NOUN
cblr-2965	402	22	from	from	ADP
cblr-2965	402	23	reading	read	VERB
cblr-2965	402	24	it	it	PRON
cblr-2965	402	25	.	.	PUNCT
cblr-2965	402	26	"	"	PUNCT
cblr-2965	402	27	)	)	PUNCT
cblr-2965	402	28	.	.	PUNCT
cblr-2965	403	1	76	76	NUM
cblr-2965	404	1	i	i	PRON
cblr-2965	404	2	d.	d.	PROPN
cblr-2965	405	1	i	i	PRON
cblr-2965	405	2	d.	d.	PROPN
cblr-2965	405	3	at	at	ADP
cblr-2965	405	4	10,899	10,899	NUM
cblr-2965	405	5	.	.	PUNCT
cblr-2965	406	1	78	78	NUM
cblr-2965	406	2	registration	registration	NOUN
cblr-2965	406	3	form	form	NOUN
cblr-2965	406	4	used	use	VERB
cblr-2965	406	5	by	by	ADP
cblr-2965	406	6	open	open	ADJ
cblr-2965	406	7	-	-	PUNCT
cblr-2965	406	8	end	end	NOUN
cblr-2965	406	9	management	management	NOUN
cblr-2965	406	10	investment	investment	NOUN
cblr-2965	406	11	companies	company	NOUN
cblr-2965	406	12	,	,	PUNCT
cblr-2965	406	13	63	63	NUM
cblr-2965	406	14	fed	feed	VERB
cblr-2965	406	15	.	.	PUNCT
cblr-2965	407	1	reg	reg	PROPN
cblr-2965	407	2	.	.	PROPN
cblr-2965	408	1	13,916	13,916	NUM
cblr-2965	408	2	,	,	PUNCT
cblr-2965	408	3	13,917	13,917	NUM
cblr-2965	408	4	.	.	PUNCT
cblr-2965	408	5	"	"	PUNCT
cblr-2965	409	1	sec	sec	PROPN
cblr-2965	409	2	form	form	NOUN
cblr-2965	409	3	n-1a	n-1a	PROPN
cblr-2965	409	4	,	,	PUNCT
cblr-2965	409	5	supra	supra	PROPN
cblr-2965	409	6	note	note	NOUN
cblr-2965	409	7	74	74	NUM
cblr-2965	409	8	,	,	PUNCT
cblr-2965	409	9	at	at	ADP
cblr-2965	409	10	general	general	ADJ
cblr-2965	409	11	instruction	instruction	NOUN
cblr-2965	409	12	c(1)(b	c(1)(b	NOUN
cblr-2965	409	13	)	)	PUNCT
cblr-2965	409	14	.	.	PUNCT
cblr-2965	410	1	(	(	PUNCT
cblr-2965	410	2	"	"	PUNCT
cblr-2965	410	3	the	the	DET
cblr-2965	410	4	prospectus	prospectus	NOUN
cblr-2965	410	5	disclosure	disclosure	NOUN
cblr-2965	410	6	requirements	requirement	NOUN
cblr-2965	410	7	..	..	PUNCT
cblr-2965	410	8	.are	.are	AUX
cblr-2965	410	9	intended	intend	VERB
cblr-2965	410	10	to	to	PART
cblr-2965	410	11	elicit	elicit	VERB
cblr-2965	410	12	information	information	NOUN
cblr-2965	410	13	for	for	ADP
cblr-2965	410	14	an	an	DET
cblr-2965	410	15	average	average	ADJ
cblr-2965	410	16	or	or	CCONJ
cblr-2965	410	17	typical	typical	ADJ
cblr-2965	410	18	investor	investor	NOUN
cblr-2965	410	19	who	who	PRON
cblr-2965	410	20	may	may	AUX
cblr-2965	410	21	not	not	PART
cblr-2965	410	22	be	be	AUX
cblr-2965	410	23	sophisticated	sophisticate	VERB
cblr-2965	410	24	in	in	ADP
cblr-2965	410	25	legal	legal	ADJ
cblr-2965	410	26	or	or	CCONJ
cblr-2965	410	27	financial	financial	ADJ
cblr-2965	410	28	matters	matter	NOUN
cblr-2965	410	29	.	.	PUNCT
cblr-2965	410	30	"	"	PUNCT
cblr-2965	410	31	)	)	PUNCT
cblr-2965	410	32	.	.	PUNCT
cblr-2965	411	1	no	no	INTJ
cblr-2965	411	2	.	.	PUNCT
cblr-2965	412	1	3:934	3:934	X
cblr-2965	412	2	]	]	X
cblr-2965	412	3	*	*	PUNCT
cblr-2965	412	4	the	the	DET
cblr-2965	412	5	fund	fund	NOUN
cblr-2965	412	6	's	's	PART
cblr-2965	412	7	investment	investment	NOUN
cblr-2965	412	8	objectives	objective	NOUN
cblr-2965	412	9	or	or	CCONJ
cblr-2965	412	10	goals	goal	NOUN
cblr-2965	412	11	80	80	NUM
cblr-2965	412	12	"	"	PUNCT
cblr-2965	412	13	the	the	DET
cblr-2965	412	14	fund	fund	NOUN
cblr-2965	412	15	's	's	PART
cblr-2965	412	16	principal	principal	ADJ
cblr-2965	412	17	investment	investment	NOUN
cblr-2965	412	18	strategies	strategy	NOUN
cblr-2965	412	19	"	"	PUNCT
cblr-2965	412	20	'	'	PUNCT
cblr-2965	412	21	*	*	PUNCT
cblr-2965	412	22	the	the	DET
cblr-2965	412	23	fund	fund	NOUN
cblr-2965	412	24	's	's	PART
cblr-2965	412	25	principal	principal	NOUN
cblr-2965	412	26	risks"2	risks"2	PROPN
cblr-2965	412	27	"	"	PUNCT
cblr-2965	412	28	the	the	DET
cblr-2965	412	29	fund	fund	NOUN
cblr-2965	412	30	's	's	PART
cblr-2965	412	31	returns	return	NOUN
cblr-2965	412	32	over	over	ADP
cblr-2965	412	33	each	each	PRON
cblr-2965	412	34	of	of	ADP
cblr-2965	412	35	the	the	DET
cblr-2965	412	36	last	last	ADJ
cblr-2965	412	37	ten	ten	NUM
cblr-2965	412	38	years	year	NOUN
cblr-2965	412	39	"	"	PUNCT
cblr-2965	412	40	*	*	PUNCT
cblr-2965	412	41	the	the	DET
cblr-2965	412	42	fund	fund	NOUN
cblr-2965	412	43	's	's	PART
cblr-2965	412	44	average	average	ADJ
cblr-2965	412	45	annual	annual	ADJ
cblr-2965	412	46	total	total	ADJ
cblr-2965	412	47	returns	return	NOUN
cblr-2965	412	48	over	over	ADP
cblr-2965	412	49	the	the	DET
cblr-2965	412	50	last	last	ADJ
cblr-2965	412	51	one	one	NUM
cblr-2965	412	52	,	,	PUNCT
cblr-2965	412	53	five	five	NUM
cblr-2965	412	54	,	,	PUNCT
cblr-2965	412	55	and	and	CCONJ
cblr-2965	412	56	ten	ten	NUM
cblr-2965	412	57	years	year	NOUN
cblr-2965	412	58	'	'	PART
cblr-2965	412	59	"	"	PUNCT
cblr-2965	412	60	the	the	DET
cblr-2965	412	61	returns	return	NOUN
cblr-2965	412	62	of	of	ADP
cblr-2965	412	63	an	an	DET
cblr-2965	412	64	appropriate	appropriate	ADJ
cblr-2965	412	65	securities	security	NOUN
cblr-2965	412	66	market	market	NOUN
cblr-2965	412	67	index	index	NOUN
cblr-2965	412	68	over	over	ADP
cblr-2965	412	69	the	the	DET
cblr-2965	412	70	same	same	ADJ
cblr-2965	412	71	periods85	periods85	NOUN
cblr-2965	412	72	*	*	PUNCT
cblr-2965	413	1	the	the	DET
cblr-2965	413	2	fund	fund	NOUN
cblr-2965	413	3	's	's	PART
cblr-2965	413	4	fees	fee	NOUN
cblr-2965	413	5	and	and	CCONJ
cblr-2965	413	6	expenses86	expenses86	PUNCT
cblr-2965	413	7	"	"	PUNCT
cblr-2965	413	8	the	the	DET
cblr-2965	413	9	fund	fund	NOUN
cblr-2965	413	10	's	's	PART
cblr-2965	413	11	managers	manager	NOUN
cblr-2965	413	12	,	,	PUNCT
cblr-2965	413	13	organization	organization	NOUN
cblr-2965	413	14	,	,	PUNCT
cblr-2965	413	15	and	and	CCONJ
cblr-2965	413	16	capital	capital	NOUN
cblr-2965	413	17	structure	structure	NOUN
cblr-2965	413	18	7	7	NUM
cblr-2965	413	19	*	*	PUNCT
cblr-2965	413	20	the	the	DET
cblr-2965	413	21	fund	fund	NOUN
cblr-2965	413	22	's	's	PART
cblr-2965	413	23	policies	policy	NOUN
cblr-2965	413	24	regarding	regard	VERB
cblr-2965	413	25	the	the	DET
cblr-2965	413	26	pricing	pricing	NOUN
cblr-2965	413	27	,	,	PUNCT
cblr-2965	413	28	purchase	purchase	NOUN
cblr-2965	413	29	,	,	PUNCT
cblr-2965	413	30	and	and	CCONJ
cblr-2965	413	31	redemptions	redemption	NOUN
cblr-2965	413	32	of	of	ADP
cblr-2965	413	33	fund	fund	NOUN
cblr-2965	413	34	shares	share	NOUN
cblr-2965	413	35	,	,	PUNCT
cblr-2965	413	36	and	and	CCONJ
cblr-2965	413	37	regarding	regard	VERB
cblr-2965	413	38	fund	fund	NOUN
cblr-2965	413	39	dividends	dividend	NOUN
cblr-2965	413	40	and	and	CCONJ
cblr-2965	413	41	distributions	distribution	NOUN
cblr-2965	413	42	(	(	PUNCT
cblr-2965	413	43	and	and	CCONJ
cblr-2965	413	44	their	their	PRON
cblr-2965	413	45	tax	tax	NOUN
cblr-2965	413	46	consequences	consequence	NOUN
cblr-2965	413	47	)	)	PUNCT
cblr-2965	413	48	8	8	NUM
cblr-2965	413	49	*	*	PUNCT
cblr-2965	413	50	the	the	DET
cblr-2965	413	51	fund	fund	NOUN
cblr-2965	413	52	's	's	PART
cblr-2965	413	53	distribution	distribution	NOUN
cblr-2965	413	54	arrangements	arrangement	NOUN
cblr-2965	413	55	,	,	PUNCT
cblr-2965	413	56	including	include	VERB
cblr-2965	413	57	sales	sale	NOUN
cblr-2965	413	58	loads	load	NOUN
cblr-2965	413	59	and	and	CCONJ
cblr-2965	413	60	12b-1	12b-1	NUM
cblr-2965	413	61	fees	fee	NOUN
cblr-2965	413	62	9	9	NUM
cblr-2965	413	63	*	*	PUNCT
cblr-2965	413	64	the	the	DET
cblr-2965	413	65	fund	fund	NOUN
cblr-2965	413	66	's	's	PART
cblr-2965	413	67	"	"	PUNCT
cblr-2965	413	68	financial	financial	ADJ
cblr-2965	413	69	highlights	highlight	NOUN
cblr-2965	413	70	"	"	PUNCT
cblr-2965	413	71	for	for	ADP
cblr-2965	413	72	each	each	PRON
cblr-2965	413	73	of	of	ADP
cblr-2965	413	74	the	the	DET
cblr-2965	413	75	last	last	ADJ
cblr-2965	413	76	five	five	NUM
cblr-2965	413	77	years	year	NOUN
cblr-2965	413	78	,	,	PUNCT
cblr-2965	413	79	including	include	VERB
cblr-2965	413	80	the	the	DET
cblr-2965	413	81	fund	fund	NOUN
cblr-2965	413	82	's	's	PART
cblr-2965	413	83	net	net	ADJ
cblr-2965	413	84	asset	asset	NOUN
cblr-2965	413	85	value	value	NOUN
cblr-2965	413	86	,	,	PUNCT
cblr-2965	413	87	income	income	NOUN
cblr-2965	413	88	from	from	ADP
cblr-2965	413	89	investment	investment	NOUN
cblr-2965	413	90	operations	operation	NOUN
cblr-2965	413	91	,	,	PUNCT
cblr-2965	413	92	distributions	distribution	NOUN
cblr-2965	413	93	,	,	PUNCT
cblr-2965	413	94	total	total	ADJ
cblr-2965	413	95	return	return	NOUN
cblr-2965	413	96	,	,	PUNCT
cblr-2965	413	97	net	net	ADJ
cblr-2965	413	98	assets	asset	NOUN
cblr-2965	413	99	,	,	PUNCT
cblr-2965	413	100	expense	expense	NOUN
cblr-2965	413	101	ratio	ratio	NOUN
cblr-2965	413	102	,	,	PUNCT
cblr-2965	413	103	ratio	ratio	NOUN
cblr-2965	413	104	of	of	ADP
cblr-2965	413	105	net	net	ADJ
cblr-2965	413	106	income	income	NOUN
cblr-2965	413	107	to	to	PART
cblr-2965	413	108	average	average	VERB
cblr-2965	413	109	net	net	ADJ
cblr-2965	413	110	assets	asset	NOUN
cblr-2965	413	111	,	,	PUNCT
cblr-2965	413	112	and	and	CCONJ
cblr-2965	413	113	portfolio	portfolio	NOUN
cblr-2965	413	114	turnover	turnover	NOUN
cblr-2965	413	115	rate.9	rate.9	NOUN
cblr-2965	413	116	°	°	NUM
cblr-2965	413	117	except	except	SCONJ
cblr-2965	413	118	for	for	ADP
cblr-2965	413	119	the	the	DET
cblr-2965	413	120	returns	return	NOUN
cblr-2965	413	121	of	of	ADP
cblr-2965	413	122	an	an	DET
cblr-2965	413	123	"	"	PUNCT
cblr-2965	413	124	appropriate	appropriate	ADJ
cblr-2965	413	125	"	"	PUNCT
cblr-2965	413	126	market	market	NOUN
cblr-2965	413	127	index	index	NOUN
cblr-2965	413	128	,	,	PUNCT
cblr-2965	413	129	the	the	DET
cblr-2965	413	130	prospectus	prospectus	NOUN
cblr-2965	413	131	need	need	AUX
cblr-2965	413	132	not	not	PART
cblr-2965	413	133	provide	provide	VERB
cblr-2965	413	134	any	any	DET
cblr-2965	413	135	comparative	comparative	ADJ
cblr-2965	413	136	information	information	NOUN
cblr-2965	413	137	80	80	NUM
cblr-2965	414	1	i	i	PRON
cblr-2965	414	2	d.	d.	PROPN
cblr-2965	414	3	at	at	ADP
cblr-2965	414	4	items	item	NOUN
cblr-2965	414	5	2	2	NUM
cblr-2965	414	6	,	,	PUNCT
cblr-2965	414	7	4	4	NUM
cblr-2965	414	8	.	.	NUM
cblr-2965	414	9	81	81	NUM
cblr-2965	415	1	i	i	PROPN
cblr-2965	415	2	d.	d.	PROPN
cblr-2965	415	3	82	82	NUM
cblr-2965	416	1	i	i	PROPN
cblr-2965	416	2	d.	d.	PROPN
cblr-2965	416	3	'	'	PUNCT
cblr-2965	416	4	i	i	PRON
cblr-2965	416	5	d.	d.	PROPN
cblr-2965	416	6	at	at	ADP
cblr-2965	416	7	item	item	NOUN
cblr-2965	416	8	2	2	NUM
cblr-2965	416	9	.	.	NUM
cblr-2965	416	10	84	84	NUM
cblr-2965	417	1	i	i	PRON
cblr-2965	417	2	d.	d.	PROPN
cblr-2965	417	3	8	8	NUM
cblr-2965	418	1	i	i	PRON
cblr-2965	418	2	d.	d.	PROPN
cblr-2965	419	1	i	i	PRON
cblr-2965	419	2	d.	d.	PROPN
cblr-2965	419	3	at	at	ADP
cblr-2965	419	4	item	item	PROPN
cblr-2965	419	5	3	3	NUM
cblr-2965	419	6	.	.	PUNCT
cblr-2965	420	1	the	the	DET
cblr-2965	420	2	prospectus	prospectus	NOUN
cblr-2965	420	3	defines	define	VERB
cblr-2965	420	4	"	"	PUNCT
cblr-2965	420	5	fees	fee	NOUN
cblr-2965	420	6	"	"	PUNCT
cblr-2965	420	7	as	as	SCONJ
cblr-2965	420	8	payments	payment	NOUN
cblr-2965	420	9	shareholders	shareholder	NOUN
cblr-2965	420	10	make	make	VERB
cblr-2965	420	11	directly	directly	ADV
cblr-2965	420	12	from	from	ADP
cblr-2965	420	13	their	their	PRON
cblr-2965	420	14	investments	investment	NOUN
cblr-2965	420	15	(	(	PUNCT
cblr-2965	420	16	such	such	ADJ
cblr-2965	420	17	as	as	ADP
cblr-2965	420	18	loads	load	NOUN
cblr-2965	420	19	or	or	CCONJ
cblr-2965	420	20	exchange	exchange	NOUN
cblr-2965	420	21	fees	fee	NOUN
cblr-2965	420	22	)	)	PUNCT
cblr-2965	420	23	,	,	PUNCT
cblr-2965	420	24	and	and	CCONJ
cblr-2965	420	25	"	"	PUNCT
cblr-2965	420	26	expenses	expense	NOUN
cblr-2965	420	27	"	"	PUNCT
cblr-2965	420	28	as	as	ADP
cblr-2965	420	29	payments	payment	NOUN
cblr-2965	420	30	that	that	PRON
cblr-2965	420	31	are	be	AUX
cblr-2965	420	32	deducted	deduct	VERB
cblr-2965	420	33	from	from	ADP
cblr-2965	420	34	the	the	DET
cblr-2965	420	35	fund	fund	NOUN
cblr-2965	420	36	's	's	PART
cblr-2965	420	37	assets	asset	NOUN
cblr-2965	420	38	(	(	PUNCT
cblr-2965	420	39	such	such	ADJ
cblr-2965	420	40	as	as	ADP
cblr-2965	420	41	management	management	NOUN
cblr-2965	420	42	fees	fee	NOUN
cblr-2965	420	43	and	and	CCONJ
cblr-2965	420	44	12b-1	12b-1	NUM
cblr-2965	420	45	fees	fee	NOUN
cblr-2965	420	46	)	)	PUNCT
cblr-2965	420	47	.	.	PUNCT
cblr-2965	421	1	i	i	PRON
cblr-2965	421	2	d.	d.	PROPN
cblr-2965	421	3	87	87	NUM
cblr-2965	422	1	i	i	PRON
cblr-2965	422	2	d.	d.	PROPN
cblr-2965	422	3	at	at	ADP
cblr-2965	422	4	item	item	NOUN
cblr-2965	422	5	5	5	NUM
cblr-2965	422	6	.	.	PUNCT
cblr-2965	423	1	i	i	PRON
cblr-2965	423	2	d.	d.	PROPN
cblr-2965	423	3	at	at	ADP
cblr-2965	423	4	item	item	PROPN
cblr-2965	423	5	6	6	NUM
cblr-2965	423	6	.	.	SYM
cblr-2965	423	7	89	89	NUM
cblr-2965	424	1	i	i	PRON
cblr-2965	424	2	d.	d.	PROPN
cblr-2965	424	3	at	at	ADP
cblr-2965	424	4	item	item	PROPN
cblr-2965	424	5	7	7	NUM
cblr-2965	424	6	.	.	SYM
cblr-2965	424	7	80	80	NUM
cblr-2965	425	1	i	i	PRON
cblr-2965	425	2	d.	d.	PROPN
cblr-2965	425	3	at	at	ADP
cblr-2965	425	4	item	item	PROPN
cblr-2965	425	5	8	8	NUM
cblr-2965	425	6	.	.	PUNCT
cblr-2965	425	7	col	col	PROPN
cblr-2965	425	8	umbia	umbia	PROPN
cblr-2965	425	9	b	b	PROPN
cblr-2965	426	1	usiness	usiness	PROPN
cblr-2965	426	2	la	la	PROPN
cblr-2965	426	3	w	w	PROPN
cblr-2965	426	4	re	re	PROPN
cblr-2965	426	5	vie	vie	PROPN
cblr-2965	426	6	w	w	PROPN
cblr-2965	427	1	[	[	X
cblr-2965	427	2	vol	vol	NOUN
cblr-2965	427	3	.	.	NOUN
cblr-2965	427	4	2008	2008	NUM
cblr-2965	427	5	mutual	mutual	ADJ
cblr-2965	427	6	fund	fund	NOUN
cblr-2965	427	7	investors	investor	NOUN
cblr-2965	427	8	on	on	ADP
cblr-2965	427	9	performance	performance	NOUN
cblr-2965	427	10	,	,	PUNCT
cblr-2965	427	11	loads	load	NOUN
cblr-2965	427	12	,	,	PUNCT
cblr-2965	427	13	fees	fee	NOUN
cblr-2965	427	14	,	,	PUNCT
cblr-2965	427	15	expenses	expense	NOUN
cblr-2965	427	16	or	or	CCONJ
cblr-2965	427	17	portfolio	portfolio	NOUN
cblr-2965	427	18	turnover	turnover	NOUN
cblr-2965	427	19	.	.	PUNCT
cblr-2965	428	1	that	that	PRON
cblr-2965	428	2	is	is	ADV
cblr-2965	428	3	,	,	PUNCT
cblr-2965	428	4	fund	fund	NOUN
cblr-2965	428	5	investors	investor	NOUN
cblr-2965	428	6	must	must	AUX
cblr-2965	428	7	search	search	VERB
cblr-2965	428	8	elsewhere	elsewhere	ADV
cblr-2965	428	9	for	for	ADP
cblr-2965	428	10	how	how	SCONJ
cblr-2965	428	11	a	a	DET
cblr-2965	428	12	particular	particular	ADJ
cblr-2965	428	13	fund	fund	NOUN
cblr-2965	428	14	compares	compare	VERB
cblr-2965	428	15	to	to	ADP
cblr-2965	428	16	others	other	NOUN
cblr-2965	428	17	.	.	PUNCT
cblr-2965	429	1	nor	nor	CCONJ
cblr-2965	429	2	does	do	AUX
cblr-2965	429	3	the	the	DET
cblr-2965	429	4	prospectus	prospectus	NOUN
cblr-2965	429	5	have	have	VERB
cblr-2965	429	6	to	to	PART
cblr-2965	429	7	suggest	suggest	VERB
cblr-2965	429	8	any	any	DET
cblr-2965	429	9	sources	source	NOUN
cblr-2965	429	10	for	for	ADP
cblr-2965	429	11	comparative	comparative	ADJ
cblr-2965	429	12	information	information	NOUN
cblr-2965	429	13	,	,	PUNCT
cblr-2965	429	14	such	such	ADJ
cblr-2965	429	15	as	as	ADP
cblr-2965	429	16	morningstar.91	morningstar.91	PROPN
cblr-2965	429	17	instead	instead	ADV
cblr-2965	429	18	,	,	PUNCT
cblr-2965	429	19	the	the	DET
cblr-2965	429	20	sec	sec	PROPN
cblr-2965	429	21	assumes	assume	VERB
cblr-2965	429	22	fund	fund	NOUN
cblr-2965	429	23	investors	investor	NOUN
cblr-2965	429	24	,	,	PUNCT
cblr-2965	429	25	left	leave	VERB
cblr-2965	429	26	to	to	ADP
cblr-2965	429	27	their	their	PRON
cblr-2965	429	28	own	own	ADJ
cblr-2965	429	29	devices	device	NOUN
cblr-2965	429	30	,	,	PUNCT
cblr-2965	429	31	can	can	AUX
cblr-2965	429	32	determine	determine	VERB
cblr-2965	429	33	how	how	SCONJ
cblr-2965	429	34	a	a	DET
cblr-2965	429	35	fund	fund	NOUN
cblr-2965	429	36	's	's	PART
cblr-2965	429	37	performance	performance	NOUN
cblr-2965	429	38	and	and	CCONJ
cblr-2965	429	39	costs	cost	NOUN
cblr-2965	429	40	compare	compare	VERB
cblr-2965	429	41	to	to	ADP
cblr-2965	429	42	those	those	PRON
cblr-2965	429	43	of	of	ADP
cblr-2965	429	44	other	other	ADJ
cblr-2965	429	45	funds	fund	NOUN
cblr-2965	429	46	.	.	PUNCT
cblr-2965	430	1	likewise	likewise	ADV
cblr-2965	430	2	,	,	PUNCT
cblr-2965	430	3	the	the	DET
cblr-2965	430	4	prospectus	prospectus	NOUN
cblr-2965	430	5	need	need	AUX
cblr-2965	430	6	not	not	PART
cblr-2965	430	7	educate	educate	VERB
cblr-2965	430	8	investors	investor	NOUN
cblr-2965	430	9	about	about	ADP
cblr-2965	430	10	diversification	diversification	NOUN
cblr-2965	430	11	,	,	PUNCT
cblr-2965	430	12	long	long	ADJ
cblr-2965	430	13	-	-	PUNCT
cblr-2965	430	14	term	term	NOUN
cblr-2965	430	15	returns	return	NOUN
cblr-2965	430	16	of	of	ADP
cblr-2965	430	17	various	various	ADJ
cblr-2965	430	18	asset	asset	NOUN
cblr-2965	430	19	classes	class	NOUN
cblr-2965	430	20	(	(	PUNCT
cblr-2965	430	21	such	such	ADJ
cblr-2965	430	22	as	as	ADP
cblr-2965	430	23	stocks	stock	NOUN
cblr-2965	430	24	or	or	CCONJ
cblr-2965	430	25	bonds	bond	NOUN
cblr-2965	430	26	)	)	PUNCT
cblr-2965	430	27	,	,	PUNCT
cblr-2965	430	28	or	or	CCONJ
cblr-2965	430	29	the	the	DET
cblr-2965	430	30	relationship	relationship	NOUN
cblr-2965	430	31	of	of	ADP
cblr-2965	430	32	risk	risk	NOUN
cblr-2965	430	33	and	and	CCONJ
cblr-2965	430	34	return	return	VERB
cblr-2965	430	35	.	.	PUNCT
cblr-2965	431	1	by	by	ADP
cblr-2965	431	2	not	not	PART
cblr-2965	431	3	requiring	require	VERB
cblr-2965	431	4	such	such	ADJ
cblr-2965	431	5	information	information	NOUN
cblr-2965	431	6	in	in	ADP
cblr-2965	431	7	the	the	DET
cblr-2965	431	8	prospectus	prospectus	NOUN
cblr-2965	431	9	,	,	PUNCT
cblr-2965	431	10	the	the	DET
cblr-2965	431	11	sec	sec	PROPN
cblr-2965	431	12	is	be	AUX
cblr-2965	431	13	at	at	ADP
cblr-2965	431	14	least	least	ADJ
cblr-2965	431	15	implicitly	implicitly	ADV
cblr-2965	431	16	assuming	assume	VERB
cblr-2965	431	17	that	that	SCONJ
cblr-2965	431	18	most	most	ADJ
cblr-2965	431	19	investors	investor	NOUN
cblr-2965	431	20	already	already	ADV
cblr-2965	431	21	know	know	VERB
cblr-2965	431	22	or	or	CCONJ
cblr-2965	431	23	do	do	AUX
cblr-2965	431	24	not	not	PART
cblr-2965	431	25	need	need	VERB
cblr-2965	431	26	this	this	DET
cblr-2965	431	27	information	information	NOUN
cblr-2965	431	28	.	.	PUNCT
cblr-2965	432	1	the	the	DET
cblr-2965	432	2	sec	sec	PROPN
cblr-2965	432	3	's	's	PART
cblr-2965	432	4	rules	rule	NOUN
cblr-2965	432	5	regarding	regard	VERB
cblr-2965	432	6	fund	fund	NOUN
cblr-2965	432	7	"	"	PUNCT
cblr-2965	432	8	profiles	profile	NOUN
cblr-2965	432	9	"	"	PUNCT
cblr-2965	432	10	offer	offer	VERB
cblr-2965	432	11	additional	additional	ADJ
cblr-2965	432	12	insight	insight	NOUN
cblr-2965	432	13	into	into	ADP
cblr-2965	432	14	what	what	PRON
cblr-2965	432	15	the	the	DET
cblr-2965	432	16	sec	sec	PROPN
cblr-2965	432	17	perceives	perceive	VERB
cblr-2965	432	18	as	as	ADP
cblr-2965	432	19	the	the	DET
cblr-2965	432	20	information	information	NOUN
cblr-2965	432	21	needs	need	VERB
cblr-2965	432	22	of	of	ADP
cblr-2965	432	23	most	most	ADJ
cblr-2965	432	24	investors	investor	NOUN
cblr-2965	432	25	.	.	PUNCT
cblr-2965	433	1	in	in	ADP
cblr-2965	433	2	1998	1998	NUM
cblr-2965	433	3	,	,	PUNCT
cblr-2965	433	4	the	the	DET
cblr-2965	433	5	sec	sec	PROPN
cblr-2965	433	6	amended	amend	VERB
cblr-2965	433	7	its	its	PRON
cblr-2965	433	8	rules	rule	NOUN
cblr-2965	433	9	to	to	PART
cblr-2965	433	10	allow	allow	VERB
cblr-2965	433	11	investors	investor	NOUN
cblr-2965	433	12	to	to	PART
cblr-2965	433	13	buy	buy	VERB
cblr-2965	433	14	mutual	mutual	ADJ
cblr-2965	433	15	fund	fund	NOUN
cblr-2965	433	16	shares	share	NOUN
cblr-2965	433	17	without	without	ADP
cblr-2965	433	18	having	having	AUX
cblr-2965	433	19	received	receive	VERB
cblr-2965	433	20	a	a	DET
cblr-2965	433	21	prospectus	prospectus	NOUN
cblr-2965	433	22	,	,	PUNCT
cblr-2965	433	23	as	as	ADV
cblr-2965	433	24	long	long	ADV
cblr-2965	433	25	as	as	SCONJ
cblr-2965	433	26	they	they	PRON
cblr-2965	433	27	received	receive	VERB
cblr-2965	433	28	a	a	DET
cblr-2965	433	29	fund	fund	NOUN
cblr-2965	433	30	profile	profile	NOUN
cblr-2965	433	31	beforehand.92	beforehand.92	ADJ
cblr-2965	433	32	the	the	DET
cblr-2965	433	33	fund	fund	NOUN
cblr-2965	433	34	profile	profile	NOUN
cblr-2965	433	35	must	must	AUX
cblr-2965	433	36	summarize	summarize	VERB
cblr-2965	433	37	key	key	ADJ
cblr-2965	433	38	information	information	NOUN
cblr-2965	433	39	included	include	VERB
cblr-2965	433	40	in	in	ADP
cblr-2965	433	41	the	the	DET
cblr-2965	433	42	prospectus	prospectus	NOUN
cblr-2965	433	43	and	and	CCONJ
cblr-2965	433	44	must	must	AUX
cblr-2965	433	45	contain	contain	VERB
cblr-2965	433	46	specific	specific	ADJ
cblr-2965	433	47	information	information	NOUN
cblr-2965	433	48	about	about	ADP
cblr-2965	433	49	the	the	DET
cblr-2965	433	50	fund	fund	NOUN
cblr-2965	433	51	,	,	PUNCT
cblr-2965	433	52	including	include	VERB
cblr-2965	433	53	:	:	PUNCT
cblr-2965	433	54	*	*	PUNCT
cblr-2965	433	55	objectives	objective	NOUN
cblr-2965	433	56	/	/	SYM
cblr-2965	433	57	goals	goal	NOUN
cblr-2965	433	58	"	"	PUNCT
cblr-2965	433	59	principal	principal	ADJ
cblr-2965	433	60	investment	investment	NOUN
cblr-2965	433	61	strategies	strategy	NOUN
cblr-2965	433	62	*	*	PUNCT
cblr-2965	433	63	principal	principal	ADJ
cblr-2965	433	64	risks	risk	NOUN
cblr-2965	433	65	"	"	PUNCT
cblr-2965	433	66	average	average	ADJ
cblr-2965	433	67	annual	annual	ADJ
cblr-2965	433	68	returns	return	NOUN
cblr-2965	433	69	(	(	PUNCT
cblr-2965	433	70	but	but	CCONJ
cblr-2965	433	71	without	without	ADP
cblr-2965	433	72	any	any	DET
cblr-2965	433	73	comparison	comparison	NOUN
cblr-2965	433	74	to	to	ADP
cblr-2965	433	75	a	a	DET
cblr-2965	433	76	relevant	relevant	ADJ
cblr-2965	433	77	market	market	NOUN
cblr-2965	433	78	index	index	NOUN
cblr-2965	433	79	)	)	PUNCT
cblr-2965	433	80	"	"	PUNCT
cblr-2965	433	81	fees	fee	NOUN
cblr-2965	433	82	and	and	CCONJ
cblr-2965	433	83	expenses	expense	NOUN
cblr-2965	433	84	"	"	PUNCT
cblr-2965	433	85	investment	investment	NOUN
cblr-2965	433	86	adviser	adviser	NOUN
cblr-2965	433	87	,	,	PUNCT
cblr-2965	433	88	sub	sub	NOUN
cblr-2965	433	89	-	-	ADJ
cblr-2965	433	90	adviser(s	adviser(s	NOUN
cblr-2965	433	91	)	)	PUNCT
cblr-2965	433	92	,	,	PUNCT
cblr-2965	433	93	and	and	CCONJ
cblr-2965	433	94	portfolio	portfolio	NOUN
cblr-2965	433	95	manager(s)93	manager(s)93	PROPN
cblr-2965	433	96	morningstar	morningstar	PROPN
cblr-2965	433	97	,	,	PUNCT
cblr-2965	433	98	inc	inc	PROPN
cblr-2965	433	99	.	.	PROPN
cblr-2965	433	100	compiles	compile	VERB
cblr-2965	433	101	detailed	detailed	ADJ
cblr-2965	433	102	information	information	NOUN
cblr-2965	433	103	about	about	ADP
cblr-2965	433	104	particular	particular	ADJ
cblr-2965	433	105	mutual	mutual	ADJ
cblr-2965	433	106	funds	fund	NOUN
cblr-2965	433	107	and	and	CCONJ
cblr-2965	433	108	other	other	ADJ
cblr-2965	433	109	securities	security	NOUN
cblr-2965	433	110	.	.	PUNCT
cblr-2965	434	1	this	this	DET
cblr-2965	434	2	data	data	NOUN
cblr-2965	434	3	is	be	AUX
cblr-2965	434	4	accessible	accessible	ADJ
cblr-2965	434	5	at	at	ADP
cblr-2965	434	6	http://www.morningstar.com	http://www.morningstar.com	X
cblr-2965	434	7	(	(	PUNCT
cblr-2965	434	8	last	last	ADV
cblr-2965	434	9	visited	visit	VERB
cblr-2965	434	10	dec	dec	PROPN
cblr-2965	434	11	.	.	PROPN
cblr-2965	434	12	3	3	NUM
cblr-2965	434	13	,	,	PUNCT
cblr-2965	434	14	2008	2008	NUM
cblr-2965	434	15	)	)	PUNCT
cblr-2965	434	16	.	.	PUNCT
cblr-2965	435	1	92	92	NUM
cblr-2965	435	2	an	an	DET
cblr-2965	435	3	investor	investor	NOUN
cblr-2965	435	4	who	who	PRON
cblr-2965	435	5	bought	buy	VERB
cblr-2965	435	6	the	the	DET
cblr-2965	435	7	fund	fund	NOUN
cblr-2965	435	8	on	on	ADP
cblr-2965	435	9	the	the	DET
cblr-2965	435	10	basis	basis	NOUN
cblr-2965	435	11	of	of	ADP
cblr-2965	435	12	the	the	DET
cblr-2965	435	13	profile	profile	NOUN
cblr-2965	435	14	,	,	PUNCT
cblr-2965	435	15	however	however	ADV
cblr-2965	435	16	,	,	PUNCT
cblr-2965	435	17	is	be	AUX
cblr-2965	435	18	still	still	ADV
cblr-2965	435	19	required	require	VERB
cblr-2965	435	20	to	to	PART
cblr-2965	435	21	receive	receive	VERB
cblr-2965	435	22	the	the	DET
cblr-2965	435	23	prospectus	prospectus	NOUN
cblr-2965	435	24	with	with	ADP
cblr-2965	435	25	the	the	DET
cblr-2965	435	26	confirmation	confirmation	NOUN
cblr-2965	435	27	of	of	ADP
cblr-2965	435	28	their	their	PRON
cblr-2965	435	29	purchase	purchase	NOUN
cblr-2965	435	30	.	.	PUNCT
cblr-2965	436	1	new	new	ADJ
cblr-2965	436	2	disclosure	disclosure	NOUN
cblr-2965	436	3	option	option	NOUN
cblr-2965	436	4	for	for	ADP
cblr-2965	436	5	open	open	ADJ
cblr-2965	436	6	-	-	PUNCT
cblr-2965	436	7	end	end	NOUN
cblr-2965	436	8	management	management	NOUN
cblr-2965	436	9	investment	investment	NOUN
cblr-2965	436	10	companies	company	NOUN
cblr-2965	436	11	,	,	PUNCT
cblr-2965	436	12	63	63	NUM
cblr-2965	436	13	fed	feed	VERB
cblr-2965	436	14	.	.	PUNCT
cblr-2965	437	1	reg	reg	PROPN
cblr-2965	437	2	.	.	PROPN
cblr-2965	437	3	13,968	13,968	NUM
cblr-2965	437	4	.	.	PUNCT
cblr-2965	438	1	13	13	NUM
cblr-2965	438	2	it	it	PRON
cblr-2965	438	3	must	must	AUX
cblr-2965	438	4	also	also	ADV
cblr-2965	438	5	contain	contain	VERB
cblr-2965	438	6	information	information	NOUN
cblr-2965	438	7	about	about	ADP
cblr-2965	438	8	the	the	DET
cblr-2965	438	9	experience	experience	NOUN
cblr-2965	438	10	of	of	ADP
cblr-2965	438	11	the	the	DET
cblr-2965	438	12	portfolio	portfolio	NOUN
cblr-2965	438	13	manager(s	manager(s	NOUN
cblr-2965	438	14	)	)	PUNCT
cblr-2965	438	15	.	.	PUNCT
cblr-2965	439	1	17	17	NUM
cblr-2965	439	2	c.f.r	c.f.r	NOUN
cblr-2965	439	3	.	.	PUNCT
cblr-2965	440	1	§	§	PROPN
cblr-2965	440	2	230.498(c)(2)(v)(c	230.498(c)(2)(v)(c	PROPN
cblr-2965	440	3	)	)	PUNCT
cblr-2965	440	4	(	(	PUNCT
cblr-2965	440	5	2008	2008	NUM
cblr-2965	440	6	)	)	PUNCT
cblr-2965	440	7	.	.	PUNCT
cblr-2965	441	1	no	no	INTJ
cblr-2965	441	2	.	.	PUNCT
cblr-2965	442	1	3:934	3:934	X
cblr-2965	442	2	]	]	X
cblr-2965	442	3	columbia	columbia	PROPN
cblr-2965	442	4	business	business	PROPN
cblr-2965	442	5	law	law	PROPN
cblr-2965	442	6	review	review	NOUN
cblr-2965	442	7	"	"	PUNCT
cblr-2965	442	8	investment	investment	NOUN
cblr-2965	442	9	requirements	requirement	NOUN
cblr-2965	442	10	and	and	CCONJ
cblr-2965	442	11	front	front	ADJ
cblr-2965	442	12	-	-	PUNCT
cblr-2965	442	13	end	end	NOUN
cblr-2965	442	14	loads	load	NOUN
cblr-2965	442	15	"	"	PUNCT
cblr-2965	442	16	redemption	redemption	NOUN
cblr-2965	442	17	procedures	procedure	NOUN
cblr-2965	442	18	and	and	CCONJ
cblr-2965	442	19	back	back	ADJ
cblr-2965	442	20	-	-	PUNCT
cblr-2965	442	21	end	end	NOUN
cblr-2965	442	22	loads	load	NOUN
cblr-2965	442	23	"	"	PUNCT
cblr-2965	442	24	policies	policy	NOUN
cblr-2965	442	25	regarding	regard	VERB
cblr-2965	442	26	fund	fund	NOUN
cblr-2965	442	27	distributions	distribution	NOUN
cblr-2965	442	28	•	•	NOUN
cblr-2965	442	29	tax	tax	NOUN
cblr-2965	442	30	consequences	consequence	NOUN
cblr-2965	442	31	of	of	ADP
cblr-2965	442	32	fund	fund	NOUN
cblr-2965	442	33	distributions	distribution	NOUN
cblr-2965	442	34	"	"	PUNCT
cblr-2965	442	35	other	other	ADJ
cblr-2965	442	36	services	service	NOUN
cblr-2965	442	37	offered	offer	VERB
cblr-2965	442	38	by	by	ADP
cblr-2965	442	39	the	the	DET
cblr-2965	442	40	fund	fund	NOUN
cblr-2965	442	41	.	.	PUNCT
cblr-2965	443	1	4	4	NUM
cblr-2965	443	2	when	when	SCONJ
cblr-2965	443	3	the	the	DET
cblr-2965	443	4	sec	sec	PROPN
cblr-2965	443	5	proposed	propose	VERB
cblr-2965	443	6	the	the	DET
cblr-2965	443	7	fund	fund	NOUN
cblr-2965	443	8	profile	profile	NOUN
cblr-2965	443	9	,	,	PUNCT
cblr-2965	443	10	it	it	PRON
cblr-2965	443	11	received	receive	VERB
cblr-2965	443	12	several	several	ADJ
cblr-2965	443	13	suggestions	suggestion	NOUN
cblr-2965	443	14	from	from	ADP
cblr-2965	443	15	third	third	ADJ
cblr-2965	443	16	parties	party	NOUN
cblr-2965	443	17	that	that	PRON
cblr-2965	443	18	additional	additional	ADJ
cblr-2965	443	19	information	information	NOUN
cblr-2965	443	20	(	(	PUNCT
cblr-2965	443	21	including	include	VERB
cblr-2965	443	22	information	information	NOUN
cblr-2965	443	23	on	on	ADP
cblr-2965	443	24	portfolio	portfolio	NOUN
cblr-2965	443	25	holdings	holding	NOUN
cblr-2965	443	26	,	,	PUNCT
cblr-2965	443	27	investment	investment	NOUN
cblr-2965	443	28	style	style	NOUN
cblr-2965	443	29	,	,	PUNCT
cblr-2965	443	30	and	and	CCONJ
cblr-2965	443	31	risk	risk	NOUN
cblr-2965	443	32	measures	measure	NOUN
cblr-2965	443	33	)	)	PUNCT
cblr-2965	443	34	also	also	ADV
cblr-2965	443	35	be	be	AUX
cblr-2965	443	36	required	require	VERB
cblr-2965	443	37	in	in	ADP
cblr-2965	443	38	the	the	DET
cblr-2965	443	39	profile	profile	NOUN
cblr-2965	443	40	.	.	PUNCT
cblr-2965	444	1	5	5	NUM
cblr-2965	444	2	while	while	SCONJ
cblr-2965	444	3	acknowledging	acknowledge	VERB
cblr-2965	444	4	the	the	DET
cblr-2965	444	5	information	information	NOUN
cblr-2965	444	6	might	might	AUX
cblr-2965	444	7	be	be	AUX
cblr-2965	444	8	"	"	PUNCT
cblr-2965	444	9	of	of	ADP
cblr-2965	444	10	interest	interest	NOUN
cblr-2965	444	11	to	to	ADP
cblr-2965	444	12	some	some	DET
cblr-2965	444	13	fund	fund	NOUN
cblr-2965	444	14	investors	investor	NOUN
cblr-2965	444	15	,	,	PUNCT
cblr-2965	444	16	"	"	PUNCT
cblr-2965	444	17	the	the	DET
cblr-2965	444	18	sec	sec	PROPN
cblr-2965	444	19	rejected	reject	VERB
cblr-2965	444	20	its	its	PRON
cblr-2965	444	21	inclusion	inclusion	NOUN
cblr-2965	444	22	as	as	ADP
cblr-2965	444	23	"	"	PUNCT
cblr-2965	444	24	not	not	PART
cblr-2965	444	25	necessarily	necessarily	ADV
cblr-2965	444	26	essential	essential	ADJ
cblr-2965	444	27	information	information	NOUN
cblr-2965	444	28	for	for	ADP
cblr-2965	444	29	the	the	DET
cblr-2965	444	30	average	average	ADJ
cblr-2965	444	31	or	or	CCONJ
cblr-2965	444	32	typical	typical	ADJ
cblr-2965	444	33	investor	investor	NOUN
cblr-2965	444	34	.	.	PUNCT
cblr-2965	445	1	"96	"96	PROPN
cblr-2965	446	1	in	in	ADP
cblr-2965	446	2	its	its	PRON
cblr-2965	446	3	most	most	ADV
cblr-2965	446	4	recent	recent	ADJ
cblr-2965	446	5	effort	effort	NOUN
cblr-2965	446	6	to	to	PART
cblr-2965	446	7	improve	improve	VERB
cblr-2965	446	8	the	the	DET
cblr-2965	446	9	disclosure	disclosure	NOUN
cblr-2965	446	10	that	that	PRON
cblr-2965	446	11	fund	fund	NOUN
cblr-2965	446	12	investors	investor	NOUN
cblr-2965	446	13	receive	receive	VERB
cblr-2965	446	14	,	,	PUNCT
cblr-2965	446	15	the	the	DET
cblr-2965	446	16	sec	sec	PROPN
cblr-2965	446	17	proposed	propose	VERB
cblr-2965	446	18	in	in	ADP
cblr-2965	446	19	november	november	PROPN
cblr-2965	446	20	2007	2007	NUM
cblr-2965	446	21	to	to	PART
cblr-2965	446	22	"	"	PUNCT
cblr-2965	446	23	provide	provide	VERB
cblr-2965	446	24	investors	investor	NOUN
cblr-2965	446	25	with	with	ADP
cblr-2965	446	26	streamlined	streamlined	ADJ
cblr-2965	446	27	disclosure	disclosure	NOUN
cblr-2965	446	28	of	of	ADP
cblr-2965	446	29	key	key	ADJ
cblr-2965	446	30	mutual	mutual	ADJ
cblr-2965	446	31	fund	fund	NOUN
cblr-2965	446	32	information	information	NOUN
cblr-2965	446	33	at	at	ADP
cblr-2965	446	34	the	the	DET
cblr-2965	446	35	front	front	NOUN
cblr-2965	446	36	of	of	ADP
cblr-2965	446	37	the	the	DET
cblr-2965	446	38	statutory	statutory	ADJ
cblr-2965	446	39	prospectus	prospectus	NOUN
cblr-2965	446	40	,	,	PUNCT
cblr-2965	446	41	in	in	ADP
cblr-2965	446	42	a	a	DET
cblr-2965	446	43	standardized	standardized	ADJ
cblr-2965	446	44	order	order	NOUN
cblr-2965	446	45	that	that	PRON
cblr-2965	446	46	facilitates	facilitate	VERB
cblr-2965	446	47	comparisons	comparison	NOUN
cblr-2965	446	48	across	across	ADP
cblr-2965	446	49	funds	fund	NOUN
cblr-2965	446	50	.	.	PUNCT
cblr-2965	447	1	"97	"97	PUNCT
cblr-2965	448	1	this	this	DET
cblr-2965	448	2	summary	summary	NOUN
cblr-2965	448	3	would	would	AUX
cblr-2965	448	4	be	be	AUX
cblr-2965	448	5	in	in	ADP
cblr-2965	448	6	plain	plain	ADJ
cblr-2965	448	7	english	english	NOUN
cblr-2965	448	8	and	and	CCONJ
cblr-2965	448	9	3	3	NUM
cblr-2965	448	10	-	-	SYM
cblr-2965	448	11	4	4	NUM
cblr-2965	448	12	pages	page	NOUN
cblr-2965	448	13	long	long	ADJ
cblr-2965	448	14	.	.	PUNCT
cblr-2965	449	1	the	the	DET
cblr-2965	449	2	sec	sec	PROPN
cblr-2965	449	3	has	have	AUX
cblr-2965	449	4	proposed	propose	VERB
cblr-2965	449	5	that	that	SCONJ
cblr-2965	449	6	the	the	DET
cblr-2965	449	7	risk	risk	NOUN
cblr-2965	449	8	/	/	SYM
cblr-2965	449	9	return	return	NOUN
cblr-2965	449	10	summary	summary	NOUN
cblr-2965	449	11	(	(	PUNCT
cblr-2965	449	12	described	describe	VERB
cblr-2965	449	13	below	below	ADV
cblr-2965	449	14	)	)	PUNCT
cblr-2965	449	15	currently	currently	ADV
cblr-2965	449	16	at	at	ADP
cblr-2965	449	17	the	the	DET
cblr-2965	449	18	front	front	NOUN
cblr-2965	449	19	of	of	ADP
cblr-2965	449	20	mutual	mutual	ADJ
cblr-2965	449	21	fund	fund	NOUN
cblr-2965	449	22	prospectuses	prospectus	NOUN
cblr-2965	449	23	be	be	VERB
cblr-2965	449	24	the	the	DET
cblr-2965	449	25	"	"	PUNCT
cblr-2965	449	26	centerpiece	centerpiece	NOUN
cblr-2965	449	27	"	"	PUNCT
cblr-2965	449	28	of	of	ADP
cblr-2965	449	29	the	the	DET
cblr-2965	449	30	new	new	ADJ
cblr-2965	449	31	summary	summary	NOUN
cblr-2965	449	32	section	section	NOUN
cblr-2965	449	33	.	.	PUNCT
cblr-2965	450	1	the	the	DET
cblr-2965	450	2	new	new	ADJ
cblr-2965	450	3	section	section	NOUN
cblr-2965	450	4	,	,	PUNCT
cblr-2965	450	5	however	however	ADV
cblr-2965	450	6	,	,	PUNCT
cblr-2965	450	7	would	would	AUX
cblr-2965	450	8	also	also	ADV
cblr-2965	450	9	include	include	VERB
cblr-2965	450	10	some	some	DET
cblr-2965	450	11	additional	additional	ADJ
cblr-2965	450	12	information	information	NOUN
cblr-2965	450	13	so	so	SCONJ
cblr-2965	450	14	that	that	SCONJ
cblr-2965	450	15	the	the	DET
cblr-2965	450	16	summary	summary	NOUN
cblr-2965	450	17	"	"	PUNCT
cblr-2965	450	18	will	will	AUX
cblr-2965	450	19	function	function	VERB
cblr-2965	450	20	as	as	ADP
cblr-2965	450	21	a	a	DET
cblr-2965	450	22	more	more	ADV
cblr-2965	450	23	comprehensive	comprehensive	ADJ
cblr-2965	450	24	presentation	presentation	NOUN
cblr-2965	450	25	"	"	PUNCT
cblr-2965	450	26	than	than	ADP
cblr-2965	450	27	the	the	DET
cblr-2965	450	28	current	current	ADJ
cblr-2965	450	29	risk	risk	NOUN
cblr-2965	450	30	/	/	SYM
cblr-2965	450	31	return	return	NOUN
cblr-2965	450	32	summary	summary	NOUN
cblr-2965	450	33	.	.	PUNCT
cblr-2965	451	1	8	8	NUM
cblr-2965	452	1	the	the	DET
cblr-2965	452	2	94	94	NUM
cblr-2965	452	3	17	17	NUM
cblr-2965	452	4	c.f.r	c.f.r	NOUN
cblr-2965	452	5	.	.	PUNCT
cblr-2965	453	1	§	§	PROPN
cblr-2965	453	2	230.498(c	230.498(c	NUM
cblr-2965	453	3	)	)	PUNCT
cblr-2965	453	4	(	(	PUNCT
cblr-2965	453	5	2008	2008	NUM
cblr-2965	453	6	)	)	PUNCT
cblr-2965	453	7	.	.	PUNCT
cblr-2965	454	1	"	"	PUNCT
cblr-2965	455	1	the	the	DET
cblr-2965	455	2	suggested	suggest	VERB
cblr-2965	455	3	additional	additional	ADJ
cblr-2965	455	4	information	information	NOUN
cblr-2965	455	5	included	include	VERB
cblr-2965	455	6	"	"	PUNCT
cblr-2965	455	7	a	a	DET
cblr-2965	455	8	fund	fund	NOUN
cblr-2965	455	9	's	's	PART
cblr-2965	455	10	top	top	ADJ
cblr-2965	455	11	ten	ten	NUM
cblr-2965	455	12	portfolio	portfolio	NOUN
cblr-2965	455	13	holdings	holding	NOUN
cblr-2965	455	14	;	;	PUNCT
cblr-2965	455	15	an	an	DET
cblr-2965	455	16	investment	investment	NOUN
cblr-2965	455	17	style	style	NOUN
cblr-2965	455	18	box	box	NOUN
cblr-2965	455	19	;	;	PUNCT
cblr-2965	455	20	additional	additional	ADJ
cblr-2965	455	21	measures	measure	NOUN
cblr-2965	455	22	of	of	ADP
cblr-2965	455	23	risk	risk	NOUN
cblr-2965	455	24	;	;	PUNCT
cblr-2965	455	25	and	and	CCONJ
cblr-2965	455	26	financial	financial	ADJ
cblr-2965	455	27	highlights	highlight	NOUN
cblr-2965	455	28	.	.	PUNCT
cblr-2965	455	29	"	"	PUNCT
cblr-2965	456	1	new	new	ADJ
cblr-2965	456	2	disclosure	disclosure	NOUN
cblr-2965	456	3	option	option	NOUN
cblr-2965	456	4	for	for	ADP
cblr-2965	456	5	open	open	ADJ
cblr-2965	456	6	-	-	PUNCT
cblr-2965	456	7	end	end	NOUN
cblr-2965	456	8	management	management	NOUN
cblr-2965	456	9	investment	investment	NOUN
cblr-2965	456	10	companies	company	NOUN
cblr-2965	456	11	,	,	PUNCT
cblr-2965	456	12	63	63	NUM
cblr-2965	456	13	fed	feed	VERB
cblr-2965	456	14	.	.	PUNCT
cblr-2965	457	1	reg	reg	PROPN
cblr-2965	457	2	.	.	PROPN
cblr-2965	457	3	13,968	13,968	NUM
cblr-2965	457	4	,	,	PUNCT
cblr-2965	457	5	13,972	13,972	NUM
cblr-2965	457	6	.	.	PUNCT
cblr-2965	458	1	96	96	NUM
cblr-2965	459	1	i	i	PRON
cblr-2965	459	2	d.	d.	PROPN
cblr-2965	459	3	17	17	NUM
cblr-2965	459	4	enhanced	enhance	VERB
cblr-2965	459	5	disclosure	disclosure	NOUN
cblr-2965	459	6	and	and	CCONJ
cblr-2965	459	7	new	new	ADJ
cblr-2965	459	8	prospectus	prospectus	NOUN
cblr-2965	459	9	delivery	delivery	NOUN
cblr-2965	459	10	option	option	NOUN
cblr-2965	459	11	for	for	ADP
cblr-2965	459	12	registered	register	VERB
cblr-2965	459	13	open	open	ADJ
cblr-2965	459	14	-	-	PUNCT
cblr-2965	459	15	end	end	NOUN
cblr-2965	459	16	management	management	NOUN
cblr-2965	459	17	investment	investment	NOUN
cblr-2965	459	18	companies	company	NOUN
cblr-2965	459	19	,	,	PUNCT
cblr-2965	459	20	72	72	NUM
cblr-2965	459	21	fed	feed	VERB
cblr-2965	459	22	.	.	PUNCT
cblr-2965	460	1	reg	reg	PROPN
cblr-2965	460	2	.	.	PUNCT
cblr-2965	461	1	67,790	67,790	NUM
cblr-2965	461	2	,	,	PUNCT
cblr-2965	461	3	67,793	67,793	NUM
cblr-2965	461	4	(	(	PUNCT
cblr-2965	461	5	proposed	propose	VERB
cblr-2965	461	6	nov	nov	PROPN
cblr-2965	461	7	.	.	PROPN
cblr-2965	461	8	30	30	NUM
cblr-2965	461	9	,	,	PUNCT
cblr-2965	461	10	2007	2007	NUM
cblr-2965	461	11	)	)	PUNCT
cblr-2965	461	12	(	(	PUNCT
cblr-2965	461	13	to	to	PART
cblr-2965	461	14	be	be	AUX
cblr-2965	461	15	codified	codify	VERB
cblr-2965	461	16	at	at	ADP
cblr-2965	461	17	17	17	NUM
cblr-2965	461	18	c.f.r	c.f.r	NOUN
cblr-2965	461	19	.	.	PUNCT
cblr-2965	462	1	pt	pt	PROPN
cblr-2965	462	2	.	.	PROPN
cblr-2965	462	3	230	230	NUM
cblr-2965	462	4	,	,	PUNCT
cblr-2965	462	5	232	232	NUM
cblr-2965	462	6	,	,	PUNCT
cblr-2965	462	7	239	239	NUM
cblr-2965	462	8	,	,	PUNCT
cblr-2965	462	9	274	274	NUM
cblr-2965	462	10	)	)	PUNCT
cblr-2965	462	11	.	.	PUNCT
cblr-2965	462	12	"	"	PUNCT
cblr-2965	463	1	in	in	ADP
cblr-2965	463	2	addition	addition	NOUN
cblr-2965	463	3	,	,	PUNCT
cblr-2965	463	4	the	the	DET
cblr-2965	463	5	sec	sec	PROPN
cblr-2965	463	6	is	be	AUX
cblr-2965	463	7	proposing	propose	VERB
cblr-2965	463	8	that	that	SCONJ
cblr-2965	463	9	,	,	PUNCT
cblr-2965	463	10	for	for	ADP
cblr-2965	463	11	prospectuses	prospectus	NOUN
cblr-2965	463	12	that	that	PRON
cblr-2965	463	13	cover	cover	VERB
cblr-2965	463	14	multiple	multiple	ADJ
cblr-2965	463	15	funds	fund	NOUN
cblr-2965	463	16	,	,	PUNCT
cblr-2965	463	17	the	the	DET
cblr-2965	463	18	summary	summary	NOUN
cblr-2965	463	19	information	information	NOUN
cblr-2965	463	20	for	for	ADP
cblr-2965	463	21	each	each	DET
cblr-2965	463	22	fund	fund	NOUN
cblr-2965	463	23	must	must	AUX
cblr-2965	463	24	be	be	AUX
cblr-2965	463	25	presented	present	VERB
cblr-2965	463	26	separately	separately	ADV
cblr-2965	463	27	.	.	PUNCT
cblr-2965	464	1	this	this	DET
cblr-2965	464	2	requirement	requirement	NOUN
cblr-2965	464	3	is	be	AUX
cblr-2965	464	4	intended	intend	VERB
cblr-2965	464	5	to	to	PART
cblr-2965	464	6	facilitate	facilitate	VERB
cblr-2965	464	7	[	[	X
cblr-2965	464	8	vol	vol	NOUN
cblr-2965	464	9	.	.	PUNCT
cblr-2965	464	10	2008	2008	NUM
cblr-2965	464	11	summary	summary	NOUN
cblr-2965	464	12	section	section	NOUN
cblr-2965	464	13	would	would	AUX
cblr-2965	464	14	contain	contain	VERB
cblr-2965	464	15	the	the	DET
cblr-2965	464	16	following	follow	VERB
cblr-2965	464	17	information	information	NOUN
cblr-2965	464	18	about	about	ADP
cblr-2965	464	19	the	the	DET
cblr-2965	464	20	fund	fund	NOUN
cblr-2965	464	21	,	,	PUNCT
cblr-2965	464	22	in	in	ADP
cblr-2965	464	23	a	a	DET
cblr-2965	464	24	fixed	fix	VERB
cblr-2965	464	25	order:99	order:99	NOUN
cblr-2965	464	26	*	*	PUNCT
cblr-2965	464	27	investment	investment	NOUN
cblr-2965	464	28	objectives	objective	NOUN
cblr-2965	464	29	and	and	CCONJ
cblr-2965	464	30	goals	goal	NOUN
cblr-2965	464	31	*	*	PUNCT
cblr-2965	464	32	costs	cost	NOUN
cblr-2965	464	33	(	(	PUNCT
cblr-2965	464	34	including	include	VERB
cblr-2965	464	35	a	a	DET
cblr-2965	464	36	fee	fee	NOUN
cblr-2965	464	37	table	table	NOUN
cblr-2965	464	38	and	and	CCONJ
cblr-2965	464	39	an	an	DET
cblr-2965	464	40	example	example	NOUN
cblr-2965	464	41	)	)	PUNCT
cblr-2965	464	42	"	"	PUNCT
cblr-2965	464	43	principal	principal	ADJ
cblr-2965	464	44	investment	investment	NOUN
cblr-2965	464	45	strategies	strategy	NOUN
cblr-2965	464	46	,	,	PUNCT
cblr-2965	464	47	risks	risk	NOUN
cblr-2965	464	48	,	,	PUNCT
cblr-2965	464	49	and	and	CCONJ
cblr-2965	464	50	performance	performance	NOUN
cblr-2965	464	51	(	(	PUNCT
cblr-2965	464	52	including	include	VERB
cblr-2965	464	53	the	the	DET
cblr-2965	464	54	current	current	ADJ
cblr-2965	464	55	risk	risk	NOUN
cblr-2965	464	56	/	/	SYM
cblr-2965	464	57	return	return	NOUN
cblr-2965	464	58	bar	bar	NOUN
cblr-2965	464	59	chart	chart	NOUN
cblr-2965	464	60	and	and	CCONJ
cblr-2965	464	61	a	a	DET
cblr-2965	464	62	table	table	NOUN
cblr-2965	464	63	showing	show	VERB
cblr-2965	464	64	the	the	DET
cblr-2965	464	65	fund	fund	NOUN
cblr-2965	464	66	's	's	PART
cblr-2965	464	67	past	past	ADJ
cblr-2965	464	68	performance	performance	NOUN
cblr-2965	464	69	and	and	CCONJ
cblr-2965	464	70	the	the	DET
cblr-2965	464	71	volatility	volatility	NOUN
cblr-2965	464	72	of	of	ADP
cblr-2965	464	73	its	its	PRON
cblr-2965	464	74	returns	return	NOUN
cblr-2965	464	75	)	)	PUNCT
cblr-2965	464	76	"	"	PUNCT
cblr-2965	464	77	top	top	ADJ
cblr-2965	464	78	ten	ten	NUM
cblr-2965	464	79	portfolio	portfolio	NOUN
cblr-2965	464	80	holdings	holding	NOUN
cblr-2965	464	81	"	"	PUNCT
cblr-2965	464	82	investment	investment	NOUN
cblr-2965	464	83	advisers	adviser	NOUN
cblr-2965	464	84	and	and	CCONJ
cblr-2965	464	85	portfolio	portfolio	NOUN
cblr-2965	464	86	managers	manager	NOUN
cblr-2965	464	87	*	*	PUNCT
cblr-2965	464	88	information	information	NOUN
cblr-2965	464	89	regarding	regard	VERB
cblr-2965	464	90	the	the	DET
cblr-2965	464	91	purchase	purchase	NOUN
cblr-2965	464	92	and	and	CCONJ
cblr-2965	464	93	sale	sale	NOUN
cblr-2965	464	94	of	of	ADP
cblr-2965	464	95	fund	fund	NOUN
cblr-2965	464	96	shares	share	NOUN
cblr-2965	464	97	"	"	PUNCT
cblr-2965	464	98	information	information	NOUN
cblr-2965	464	99	about	about	ADP
cblr-2965	464	100	taxes	taxis	NOUN
cblr-2965	464	101	resulting	result	VERB
cblr-2965	464	102	from	from	ADP
cblr-2965	464	103	fund	fund	NOUN
cblr-2965	464	104	distributions	distribution	NOUN
cblr-2965	464	105	"	"	PUNCT
cblr-2965	464	106	financial	financial	ADJ
cblr-2965	464	107	intermediary	intermediary	NOUN
cblr-2965	464	108	compensation.1	compensation.1	NOUN
cblr-2965	464	109	"	"	PUNCT
cblr-2965	464	110	'	'	PUNCT
cblr-2965	464	111	importantly	importantly	ADV
cblr-2965	464	112	,	,	PUNCT
cblr-2965	464	113	some	some	PRON
cblr-2965	464	114	of	of	ADP
cblr-2965	464	115	the	the	DET
cblr-2965	464	116	modifications	modification	NOUN
cblr-2965	464	117	to	to	ADP
cblr-2965	464	118	the	the	DET
cblr-2965	464	119	current	current	ADJ
cblr-2965	464	120	risk	risk	NOUN
cblr-2965	464	121	/	/	SYM
cblr-2965	464	122	return	return	NOUN
cblr-2965	464	123	summary	summary	NOUN
cblr-2965	464	124	are	be	AUX
cblr-2965	464	125	aimed	aim	VERB
cblr-2965	464	126	at	at	ADP
cblr-2965	464	127	"	"	PUNCT
cblr-2965	464	128	address[ing	address[e	VERB
cblr-2965	464	129	]	]	PUNCT
cblr-2965	464	130	concerns	concern	NOUN
cblr-2965	464	131	that	that	SCONJ
cblr-2965	464	132	investors	investor	NOUN
cblr-2965	464	133	do	do	AUX
cblr-2965	464	134	not	not	PART
cblr-2965	464	135	understand	understand	VERB
cblr-2965	464	136	that	that	SCONJ
cblr-2965	464	137	they	they	PRON
cblr-2965	464	138	pay	pay	VERB
cblr-2965	464	139	ongoing	ongoing	ADJ
cblr-2965	464	140	costs	cost	NOUN
cblr-2965	464	141	every	every	DET
cblr-2965	464	142	year	year	NOUN
cblr-2965	464	143	when	when	SCONJ
cblr-2965	464	144	they	they	PRON
cblr-2965	464	145	invest	invest	VERB
cblr-2965	464	146	in	in	ADP
cblr-2965	464	147	mutual	mutual	ADJ
cblr-2965	464	148	funds	fund	NOUN
cblr-2965	464	149	.	.	PUNCT
cblr-2965	465	1	"10	"10	PROPN
cblr-2965	465	2	'	'	PUNCT
cblr-2965	465	3	for	for	ADP
cblr-2965	465	4	example	example	NOUN
cblr-2965	465	5	,	,	PUNCT
cblr-2965	465	6	in	in	ADP
cblr-2965	465	7	the	the	DET
cblr-2965	465	8	current	current	ADJ
cblr-2965	465	9	risk	risk	NOUN
cblr-2965	465	10	/	/	SYM
cblr-2965	465	11	return	return	NOUN
cblr-2965	465	12	summary	summary	NOUN
cblr-2965	465	13	,	,	PUNCT
cblr-2965	465	14	the	the	DET
cblr-2965	465	15	heading	head	VERB
cblr-2965	465	16	"	"	PUNCT
cblr-2965	465	17	annual	annual	ADJ
cblr-2965	465	18	fund	fund	NOUN
cblr-2965	465	19	operating	operating	NOUN
cblr-2965	465	20	expenses	expense	NOUN
cblr-2965	465	21	"	"	PUNCT
cblr-2965	465	22	in	in	ADP
cblr-2965	465	23	the	the	DET
cblr-2965	465	24	fee	fee	NOUN
cblr-2965	465	25	table	table	NOUN
cblr-2965	465	26	is	be	AUX
cblr-2965	465	27	followed	follow	VERB
cblr-2965	465	28	by	by	ADP
cblr-2965	465	29	the	the	DET
cblr-2965	465	30	parenthetical	parenthetical	ADJ
cblr-2965	465	31	"	"	PUNCT
cblr-2965	465	32	expenses	expense	NOUN
cblr-2965	465	33	that	that	PRON
cblr-2965	465	34	are	be	AUX
cblr-2965	465	35	deducted	deduct	VERB
cblr-2965	465	36	from	from	ADP
cblr-2965	465	37	fund	fund	NOUN
cblr-2965	465	38	assets	asset	NOUN
cblr-2965	465	39	.	.	PUNCT
cblr-2965	465	40	"	"	PUNCT
cblr-2965	466	1	the	the	DET
cblr-2965	466	2	new	new	ADJ
cblr-2965	466	3	summary	summary	NOUN
cblr-2965	466	4	section	section	NOUN
cblr-2965	466	5	would	would	AUX
cblr-2965	466	6	replace	replace	VERB
cblr-2965	466	7	that	that	DET
cblr-2965	466	8	parenthetical	parenthetical	NOUN
cblr-2965	466	9	with	with	ADP
cblr-2965	466	10	the	the	DET
cblr-2965	466	11	more	more	ADV
cblr-2965	466	12	understandable	understandable	ADJ
cblr-2965	466	13	words	word	NOUN
cblr-2965	466	14	"	"	PUNCT
cblr-2965	466	15	ongoing	ongoing	ADJ
cblr-2965	466	16	expenses	expense	NOUN
cblr-2965	466	17	that	that	PRON
cblr-2965	466	18	you	you	PRON
cblr-2965	466	19	pay	pay	VERB
cblr-2965	466	20	each	each	DET
cblr-2965	466	21	year	year	NOUN
cblr-2965	466	22	as	as	ADP
cblr-2965	466	23	a	a	DET
cblr-2965	466	24	percentage	percentage	NOUN
cblr-2965	466	25	of	of	ADP
cblr-2965	466	26	the	the	DET
cblr-2965	466	27	value	value	NOUN
cblr-2965	466	28	of	of	ADP
cblr-2965	466	29	your	your	PRON
cblr-2965	466	30	investment	investment	NOUN
cblr-2965	466	31	.	.	PUNCT
cblr-2965	467	1	"'0	"'0	X
cblr-2965	467	2	2	2	NUM
cblr-2965	467	3	in	in	ADP
cblr-2965	467	4	addition	addition	NOUN
cblr-2965	468	1	,	,	PUNCT
cblr-2965	468	2	the	the	DET
cblr-2965	468	3	sec	sec	PROPN
cblr-2965	468	4	's	's	PART
cblr-2965	468	5	proposal	proposal	NOUN
cblr-2965	468	6	would	would	AUX
cblr-2965	468	7	replace	replace	VERB
cblr-2965	468	8	the	the	DET
cblr-2965	468	9	fund	fund	NOUN
cblr-2965	468	10	profile	profile	NOUN
cblr-2965	468	11	with	with	ADP
cblr-2965	468	12	a	a	DET
cblr-2965	468	13	summary	summary	NOUN
cblr-2965	468	14	prospectus	prospectus	NOUN
cblr-2965	468	15	that	that	PRON
cblr-2965	468	16	contains	contain	VERB
cblr-2965	468	17	the	the	DET
cblr-2965	468	18	same	same	ADJ
cblr-2965	468	19	information	information	NOUN
cblr-2965	468	20	(	(	PUNCT
cblr-2965	468	21	in	in	ADP
cblr-2965	468	22	the	the	DET
cblr-2965	468	23	same	same	ADJ
cblr-2965	468	24	order	order	NOUN
cblr-2965	468	25	)	)	PUNCT
cblr-2965	468	26	that	that	PRON
cblr-2965	468	27	would	would	AUX
cblr-2965	468	28	be	be	AUX
cblr-2965	468	29	in	in	ADP
cblr-2965	468	30	the	the	DET
cblr-2965	468	31	new	new	ADJ
cblr-2965	468	32	investor	investor	NOUN
cblr-2965	468	33	understanding	understanding	NOUN
cblr-2965	468	34	of	of	ADP
cblr-2965	468	35	the	the	DET
cblr-2965	468	36	summary	summary	NOUN
cblr-2965	468	37	section	section	NOUN
cblr-2965	468	38	in	in	ADP
cblr-2965	468	39	multi	multi	ADJ
cblr-2965	468	40	-	-	ADJ
cblr-2965	468	41	fund	fund	NOUN
cblr-2965	468	42	prospectuses	prospectus	NOUN
cblr-2965	468	43	.	.	PUNCT
cblr-2965	469	1	i	i	PRON
cblr-2965	469	2	d.	d.	PROPN
cblr-2965	469	3	i	i	PRON
cblr-2965	469	4	d.	d.	PROPN
cblr-2965	469	5	at	at	ADP
cblr-2965	469	6	67,794	67,794	NUM
cblr-2965	469	7	-	-	SYM
cblr-2965	469	8	95	95	NUM
cblr-2965	469	9	.	.	PUNCT
cblr-2965	470	1	'	'	NUM
cblr-2965	470	2	0	0	NUM
cblr-2965	471	1	investors	investor	NOUN
cblr-2965	471	2	are	be	AUX
cblr-2965	471	3	warned	warn	VERB
cblr-2965	471	4	that	that	SCONJ
cblr-2965	471	5	if	if	SCONJ
cblr-2965	471	6	they	they	PRON
cblr-2965	471	7	purchased	purchase	VERB
cblr-2965	471	8	their	their	PRON
cblr-2965	471	9	fund	fund	NOUN
cblr-2965	471	10	shares	share	NOUN
cblr-2965	471	11	through	through	ADP
cblr-2965	471	12	an	an	DET
cblr-2965	471	13	intermediary	intermediary	NOUN
cblr-2965	471	14	and	and	CCONJ
cblr-2965	471	15	that	that	DET
cblr-2965	471	16	intermediary	intermediary	NOUN
cblr-2965	471	17	receives	receive	VERB
cblr-2965	471	18	compensation	compensation	NOUN
cblr-2965	471	19	for	for	ADP
cblr-2965	471	20	the	the	DET
cblr-2965	471	21	sale	sale	NOUN
cblr-2965	471	22	of	of	ADP
cblr-2965	471	23	the	the	DET
cblr-2965	471	24	shares	share	NOUN
cblr-2965	471	25	,	,	PUNCT
cblr-2965	471	26	that	that	DET
cblr-2965	471	27	compensation	compensation	NOUN
cblr-2965	471	28	may	may	AUX
cblr-2965	471	29	bias	bias	VERB
cblr-2965	471	30	the	the	DET
cblr-2965	471	31	intermediary	intermediary	NOUN
cblr-2965	471	32	's	's	PART
cblr-2965	471	33	advice	advice	NOUN
cblr-2965	471	34	to	to	ADP
cblr-2965	471	35	the	the	DET
cblr-2965	471	36	investor	investor	NOUN
cblr-2965	471	37	.	.	PUNCT
cblr-2965	472	1	i	i	PRON
cblr-2965	472	2	d.	d.	PROPN
cblr-2965	472	3	at	at	ADP
cblr-2965	472	4	67,798	67,798	NUM
cblr-2965	472	5	.	.	PUNCT
cblr-2965	473	1	1o	1o	NUM
cblr-2965	473	2	'	'	PART
cblr-2965	473	3	i	i	PRON
cblr-2965	473	4	d.	d.	PROPN
cblr-2965	473	5	at	at	ADP
cblr-2965	473	6	67,795	67,795	NUM
cblr-2965	473	7	.	.	PUNCT
cblr-2965	474	1	102	102	NUM
cblr-2965	475	1	i	i	PRON
cblr-2965	475	2	d.	d.	PROPN
cblr-2965	475	3	no	no	INTJ
cblr-2965	475	4	.	.	PUNCT
cblr-2965	476	1	3:934	3:934	X
cblr-2965	476	2	]	]	X
cblr-2965	476	3	mutual	mutual	ADJ
cblr-2965	476	4	fund	fund	NOUN
cblr-2965	476	5	investors	investor	NOUN
cblr-2965	476	6	summary	summary	VERB
cblr-2965	476	7	section	section	NOUN
cblr-2965	476	8	of	of	ADP
cblr-2965	476	9	the	the	DET
cblr-2965	476	10	full	full	ADJ
cblr-2965	476	11	,	,	PUNCT
cblr-2965	476	12	statutory	statutory	ADJ
cblr-2965	476	13	prospectus	prospectus	NOUN
cblr-2965	476	14	.	.	PUNCT
cblr-2965	476	15	"	"	PUNCT
cblr-2965	477	1	3	3	NUM
cblr-2965	477	2	investors	investor	NOUN
cblr-2965	477	3	would	would	AUX
cblr-2965	477	4	be	be	AUX
cblr-2965	477	5	permitted	permit	VERB
cblr-2965	477	6	to	to	PART
cblr-2965	477	7	buy	buy	VERB
cblr-2965	477	8	a	a	DET
cblr-2965	477	9	fund	fund	NOUN
cblr-2965	477	10	after	after	ADP
cblr-2965	477	11	having	having	AUX
cblr-2965	477	12	received	receive	VERB
cblr-2965	477	13	just	just	ADV
cblr-2965	477	14	the	the	DET
cblr-2965	477	15	summary	summary	NOUN
cblr-2965	477	16	prospectus	prospectus	NOUN
cblr-2965	477	17	,	,	PUNCT
cblr-2965	477	18	as	as	ADV
cblr-2965	477	19	long	long	ADV
cblr-2965	477	20	as	as	SCONJ
cblr-2965	477	21	the	the	DET
cblr-2965	477	22	statutory	statutory	ADJ
cblr-2965	477	23	prospectus	prospectus	NOUN
cblr-2965	477	24	is	be	AUX
cblr-2965	477	25	available	available	ADJ
cblr-2965	477	26	online	online	ADV
cblr-2965	477	27	.	.	PUNCT
cblr-2965	478	1	4	4	NUM
cblr-2965	478	2	in	in	ADP
cblr-2965	478	3	summary	summary	NOUN
cblr-2965	478	4	,	,	PUNCT
cblr-2965	478	5	like	like	ADP
cblr-2965	478	6	the	the	DET
cblr-2965	478	7	ici	ici	NOUN
cblr-2965	478	8	,	,	PUNCT
cblr-2965	478	9	the	the	DET
cblr-2965	478	10	sec	sec	PROPN
cblr-2965	478	11	believes	believe	VERB
cblr-2965	478	12	that	that	SCONJ
cblr-2965	478	13	a	a	DET
cblr-2965	478	14	variety	variety	NOUN
cblr-2965	478	15	of	of	ADP
cblr-2965	478	16	information	information	NOUN
cblr-2965	478	17	is	be	AUX
cblr-2965	478	18	important	important	ADJ
cblr-2965	478	19	to	to	ADP
cblr-2965	478	20	most	most	ADJ
cblr-2965	478	21	mutual	mutual	ADJ
cblr-2965	478	22	fund	fund	NOUN
cblr-2965	478	23	investors	investor	NOUN
cblr-2965	478	24	.	.	PUNCT
cblr-2965	479	1	also	also	ADV
cblr-2965	479	2	,	,	PUNCT
cblr-2965	479	3	like	like	ADP
cblr-2965	479	4	the	the	DET
cblr-2965	479	5	ici	ici	NOUN
cblr-2965	479	6	,	,	PUNCT
cblr-2965	479	7	the	the	DET
cblr-2965	479	8	sec	sec	PROPN
cblr-2965	479	9	believes	believe	VERB
cblr-2965	479	10	that	that	SCONJ
cblr-2965	479	11	if	if	SCONJ
cblr-2965	479	12	too	too	ADV
cblr-2965	479	13	much	much	ADJ
cblr-2965	479	14	information	information	NOUN
cblr-2965	479	15	is	be	AUX
cblr-2965	479	16	given	give	VERB
cblr-2965	479	17	to	to	ADP
cblr-2965	479	18	investors	investor	NOUN
cblr-2965	479	19	,	,	PUNCT
cblr-2965	479	20	they	they	PRON
cblr-2965	479	21	are	be	AUX
cblr-2965	479	22	unlikely	unlikely	ADJ
cblr-2965	479	23	to	to	PART
cblr-2965	479	24	read	read	VERB
cblr-2965	479	25	it	it	PRON
cblr-2965	479	26	.	.	PUNCT
cblr-2965	480	1	thus	thus	ADV
cblr-2965	480	2	the	the	DET
cblr-2965	480	3	sec	sec	PROPN
cblr-2965	480	4	has	have	AUX
cblr-2965	480	5	adopted	adopt	VERB
cblr-2965	480	6	measures	measure	NOUN
cblr-2965	480	7	to	to	PART
cblr-2965	480	8	summarize	summarize	VERB
cblr-2965	480	9	and	and	CCONJ
cblr-2965	480	10	reduce	reduce	VERB
cblr-2965	480	11	the	the	DET
cblr-2965	480	12	information	information	NOUN
cblr-2965	480	13	that	that	PRON
cblr-2965	480	14	investors	investor	NOUN
cblr-2965	480	15	receive	receive	VERB
cblr-2965	480	16	in	in	ADP
cblr-2965	480	17	certain	certain	ADJ
cblr-2965	480	18	disclosure	disclosure	NOUN
cblr-2965	480	19	documents	document	NOUN
cblr-2965	480	20	.	.	PUNCT
cblr-2965	481	1	2	2	X
cblr-2965	481	2	.	.	NUM
cblr-2965	481	3	standardized	standardize	VERB
cblr-2965	481	4	disclosure	disclosure	NOUN
cblr-2965	481	5	the	the	DET
cblr-2965	481	6	sec	sec	PROPN
cblr-2965	481	7	also	also	ADV
cblr-2965	481	8	believes	believe	VERB
cblr-2965	481	9	that	that	SCONJ
cblr-2965	481	10	the	the	DET
cblr-2965	481	11	format	format	NOUN
cblr-2965	481	12	of	of	ADP
cblr-2965	481	13	information	information	NOUN
cblr-2965	481	14	,	,	PUNCT
cblr-2965	481	15	not	not	PART
cblr-2965	481	16	only	only	ADV
cblr-2965	481	17	its	its	PRON
cblr-2965	481	18	substance	substance	NOUN
cblr-2965	481	19	,	,	PUNCT
cblr-2965	481	20	is	be	AUX
cblr-2965	481	21	important	important	ADJ
cblr-2965	481	22	to	to	ADP
cblr-2965	481	23	investors	investor	NOUN
cblr-2965	481	24	.	.	PUNCT
cblr-2965	482	1	in	in	ADP
cblr-2965	482	2	particular	particular	ADJ
cblr-2965	482	3	,	,	PUNCT
cblr-2965	482	4	it	it	PRON
cblr-2965	482	5	believes	believe	VERB
cblr-2965	482	6	fund	fund	NOUN
cblr-2965	482	7	investors	investor	NOUN
cblr-2965	482	8	are	be	AUX
cblr-2965	482	9	more	more	ADV
cblr-2965	482	10	likely	likely	ADJ
cblr-2965	482	11	to	to	PART
cblr-2965	482	12	understand	understand	VERB
cblr-2965	482	13	clear	clear	ADJ
cblr-2965	482	14	,	,	PUNCT
cblr-2965	482	15	concise	concise	ADJ
cblr-2965	482	16	,	,	PUNCT
cblr-2965	482	17	and	and	CCONJ
cblr-2965	482	18	standardized	standardized	ADJ
cblr-2965	482	19	disclosure	disclosure	NOUN
cblr-2965	482	20	of	of	ADP
cblr-2965	482	21	information	information	NOUN
cblr-2965	482	22	in	in	ADP
cblr-2965	482	23	plain	plain	ADJ
cblr-2965	482	24	english	english	PROPN
cblr-2965	482	25	or	or	CCONJ
cblr-2965	482	26	in	in	ADP
cblr-2965	482	27	graphical	graphical	ADJ
cblr-2965	482	28	or	or	CCONJ
cblr-2965	482	29	tabular	tabular	NOUN
cblr-2965	482	30	form	form	NOUN
cblr-2965	482	31	.	.	PUNCT
cblr-2965	483	1	5	5	NUM
cblr-2965	483	2	for	for	ADP
cblr-2965	483	3	this	this	DET
cblr-2965	483	4	reason	reason	NOUN
cblr-2965	483	5	,	,	PUNCT
cblr-2965	483	6	the	the	DET
cblr-2965	483	7	prospectus	prospectus	NOUN
cblr-2965	483	8	and	and	CCONJ
cblr-2965	483	9	fund	fund	NOUN
cblr-2965	483	10	profile	profile	NOUN
cblr-2965	483	11	are	be	AUX
cblr-2965	483	12	required	require	VERB
cblr-2965	483	13	to	to	PART
cblr-2965	483	14	contain	contain	VERB
cblr-2965	483	15	much	much	ADV
cblr-2965	483	16	summarized	summarize	VERB
cblr-2965	483	17	information	information	NOUN
cblr-2965	483	18	in	in	ADP
cblr-2965	483	19	standardized	standardized	ADJ
cblr-2965	483	20	tables	table	NOUN
cblr-2965	483	21	and	and	CCONJ
cblr-2965	483	22	graphs	graph	NOUN
cblr-2965	483	23	.	.	PUNCT
cblr-2965	484	1	for	for	ADP
cblr-2965	484	2	example	example	NOUN
cblr-2965	484	3	,	,	PUNCT
cblr-2965	484	4	since	since	SCONJ
cblr-2965	484	5	1988	1988	NUM
cblr-2965	484	6	,	,	PUNCT
cblr-2965	484	7	the	the	DET
cblr-2965	484	8	sec	sec	PROPN
cblr-2965	484	9	has	have	AUX
cblr-2965	484	10	required	require	VERB
cblr-2965	484	11	the	the	DET
cblr-2965	484	12	fund	fund	NOUN
cblr-2965	484	13	prospectus	prospectus	NOUN
cblr-2965	484	14	to	to	PART
cblr-2965	484	15	include	include	VERB
cblr-2965	484	16	a	a	DET
cblr-2965	484	17	fee	fee	NOUN
cblr-2965	484	18	table	table	NOUN
cblr-2965	484	19	itemizing	itemize	VERB
cblr-2965	484	20	all	all	DET
cblr-2965	484	21	fees	fee	NOUN
cblr-2965	484	22	and	and	CCONJ
cblr-2965	484	23	expenses	expense	NOUN
cblr-2965	484	24	in	in	ADP
cblr-2965	484	25	a	a	DET
cblr-2965	484	26	uniform	uniform	ADJ
cblr-2965	484	27	way	way	NOUN
cblr-2965	484	28	because	because	SCONJ
cblr-2965	484	29	the	the	DET
cblr-2965	484	30	sec	sec	PROPN
cblr-2965	484	31	believes	believe	VERB
cblr-2965	484	32	such	such	DET
cblr-2965	484	33	a	a	DET
cblr-2965	484	34	table	table	NOUN
cblr-2965	484	35	"	"	PUNCT
cblr-2965	484	36	can	can	AUX
cblr-2965	484	37	be	be	AUX
cblr-2965	484	38	understood	understand	VERB
cblr-2965	484	39	easily	easily	ADV
cblr-2965	484	40	and	and	CCONJ
cblr-2965	484	41	.	.	PUNCT
cblr-2965	484	42	.	.	PUNCT
cblr-2965	485	1	.	.	PUNCT
cblr-2965	485	2	facilitates	facilitate	VERB
cblr-2965	485	3	comparison	comparison	NOUN
cblr-2965	485	4	among	among	ADP
cblr-2965	485	5	.	.	PUNCT
cblr-2965	485	6	.	.	PUNCT
cblr-2965	485	7	.	.	PUNCT
cblr-2965	486	1	funds	fund	NOUN
cblr-2965	486	2	.	.	PUNCT
cblr-2965	487	1	"'06	"'06	PROPN
cblr-2965	487	2	this	this	DET
cblr-2965	487	3	requirement	requirement	NOUN
cblr-2965	487	4	arose	arise	VERB
cblr-2965	487	5	from	from	ADP
cblr-2965	487	6	the	the	DET
cblr-2965	487	7	sec	sec	PROPN
cblr-2965	487	8	's	's	PART
cblr-2965	487	9	concern	concern	NOUN
cblr-2965	487	10	that	that	SCONJ
cblr-2965	487	11	"	"	PUNCT
cblr-2965	487	12	investors	investor	NOUN
cblr-2965	487	13	could	could	AUX
cblr-2965	487	14	be	be	AUX
cblr-2965	487	15	confused	confuse	VERB
cblr-2965	487	16	if	if	SCONJ
cblr-2965	487	17	103	103	NUM
cblr-2965	487	18	i	i	PROPN
cblr-2965	487	19	d.	d.	PROPN
cblr-2965	487	20	at	at	ADP
cblr-2965	487	21	67,800	67,800	NUM
cblr-2965	487	22	.	.	PUNCT
cblr-2965	488	1	if	if	SCONJ
cblr-2965	488	2	requested	request	VERB
cblr-2965	488	3	by	by	ADP
cblr-2965	488	4	an	an	DET
cblr-2965	488	5	investor	investor	NOUN
cblr-2965	488	6	,	,	PUNCT
cblr-2965	488	7	the	the	DET
cblr-2965	488	8	fund	fund	NOUN
cblr-2965	488	9	would	would	AUX
cblr-2965	488	10	also	also	ADV
cblr-2965	488	11	have	have	VERB
cblr-2965	488	12	to	to	PART
cblr-2965	488	13	send	send	VERB
cblr-2965	488	14	a	a	DET
cblr-2965	488	15	copy	copy	NOUN
cblr-2965	488	16	of	of	ADP
cblr-2965	488	17	full	full	ADJ
cblr-2965	488	18	,	,	PUNCT
cblr-2965	488	19	statutory	statutory	ADJ
cblr-2965	488	20	prospectus	prospectus	NOUN
cblr-2965	488	21	by	by	ADP
cblr-2965	488	22	regular	regular	ADJ
cblr-2965	488	23	mail	mail	NOUN
cblr-2965	488	24	or	or	CCONJ
cblr-2965	488	25	email	email	NOUN
cblr-2965	488	26	.	.	PUNCT
cblr-2965	489	1	i	i	PRON
cblr-2965	489	2	d.	d.	PROPN
cblr-2965	489	3	at	at	ADP
cblr-2965	489	4	67,792	67,792	NUM
cblr-2965	489	5	.	.	PUNCT
cblr-2965	490	1	105	105	NUM
cblr-2965	490	2	registration	registration	NOUN
cblr-2965	490	3	form	form	NOUN
cblr-2965	490	4	used	use	VERB
cblr-2965	490	5	by	by	ADP
cblr-2965	490	6	open	open	ADJ
cblr-2965	490	7	-	-	PUNCT
cblr-2965	490	8	end	end	NOUN
cblr-2965	490	9	management	management	NOUN
cblr-2965	490	10	investment	investment	NOUN
cblr-2965	490	11	companies	company	NOUN
cblr-2965	490	12	,	,	PUNCT
cblr-2965	490	13	62	62	NUM
cblr-2965	490	14	fed	feed	VERB
cblr-2965	490	15	.	.	PUNCT
cblr-2965	491	1	reg	reg	PROPN
cblr-2965	491	2	.	.	PUNCT
cblr-2965	492	1	at	at	ADP
cblr-2965	492	2	10,900	10,900	NUM
cblr-2965	492	3	(	(	PUNCT
cblr-2965	492	4	"	"	PUNCT
cblr-2965	492	5	investors	investor	NOUN
cblr-2965	492	6	have	have	AUX
cblr-2965	492	7	expressed	express	VERB
cblr-2965	492	8	a	a	DET
cblr-2965	492	9	strong	strong	ADJ
cblr-2965	492	10	preference	preference	NOUN
cblr-2965	492	11	for	for	ADP
cblr-2965	492	12	summary	summary	NOUN
cblr-2965	492	13	information	information	NOUN
cblr-2965	492	14	about	about	ADP
cblr-2965	492	15	funds	fund	NOUN
cblr-2965	492	16	in	in	ADP
cblr-2965	492	17	a	a	DET
cblr-2965	492	18	standard	standard	ADJ
cblr-2965	492	19	format	format	NOUN
cblr-2965	492	20	.	.	PUNCT
cblr-2965	492	21	"	"	PUNCT
cblr-2965	492	22	)	)	PUNCT
cblr-2965	492	23	.	.	PUNCT
cblr-2965	493	1	106	106	NUM
cblr-2965	493	2	sec	sec	PROPN
cblr-2965	493	3	,	,	PUNCT
cblr-2965	493	4	dmsion	dmsion	NOUN
cblr-2965	493	5	of	of	ADP
cblr-2965	493	6	investment	investment	NOUN
cblr-2965	493	7	management	management	NOUN
cblr-2965	493	8	,	,	PUNCT
cblr-2965	493	9	report	report	NOUN
cblr-2965	493	10	on	on	ADP
cblr-2965	493	11	mutual	mutual	ADJ
cblr-2965	493	12	fund	fund	NOUN
cblr-2965	493	13	fees	fee	NOUN
cblr-2965	493	14	and	and	CCONJ
cblr-2965	493	15	expenses	expense	NOUN
cblr-2965	493	16	§	§	NOUN
cblr-2965	493	17	ii(a)(2	ii(a)(2	NOUN
cblr-2965	493	18	)	)	PUNCT
cblr-2965	493	19	(	(	PUNCT
cblr-2965	493	20	2000	2000	NUM
cblr-2965	493	21	)	)	PUNCT
cblr-2965	493	22	,	,	PUNCT
cblr-2965	493	23	http://www	http://www	PROPN
cblr-2965	493	24	.	.	PUNCT
cblr-2965	494	1	sec.gov/news/studies/feestudy	sec.gov/news/studies/feestudy	PROPN
cblr-2965	494	2	.	.	PUNCT
cblr-2965	495	1	htm	htm	PROPN
cblr-2965	495	2	(	(	PUNCT
cblr-2965	495	3	last	last	ADV
cblr-2965	495	4	visited	visit	VERB
cblr-2965	495	5	dec	dec	PROPN
cblr-2965	495	6	.	.	PROPN
cblr-2965	495	7	3	3	NUM
cblr-2965	495	8	,	,	PUNCT
cblr-2965	495	9	2008	2008	NUM
cblr-2965	495	10	)	)	PUNCT
cblr-2965	496	1	[	[	X
cblr-2965	496	2	hereinafter	hereinafter	NOUN
cblr-2965	496	3	sec	sec	PROPN
cblr-2965	496	4	fee	fee	NOUN
cblr-2965	496	5	report	report	NOUN
cblr-2965	496	6	]	]	PUNCT
cblr-2965	496	7	.	.	PUNCT
cblr-2965	497	1	the	the	DET
cblr-2965	497	2	table	table	NOUN
cblr-2965	497	3	itemizes	itemize	VERB
cblr-2965	497	4	front	front	ADJ
cblr-2965	497	5	and	and	CCONJ
cblr-2965	497	6	back	back	ADJ
cblr-2965	497	7	-	-	PUNCT
cblr-2965	497	8	end	end	NOUN
cblr-2965	497	9	loads	load	NOUN
cblr-2965	497	10	,	,	PUNCT
cblr-2965	497	11	management	management	NOUN
cblr-2965	497	12	fees	fee	NOUN
cblr-2965	497	13	,	,	PUNCT
cblr-2965	497	14	12b-1	12b-1	NUM
cblr-2965	497	15	fees	fee	NOUN
cblr-2965	497	16	,	,	PUNCT
cblr-2965	497	17	and	and	CCONJ
cblr-2965	497	18	other	other	ADJ
cblr-2965	497	19	fees	fee	NOUN
cblr-2965	497	20	and	and	CCONJ
cblr-2965	497	21	expenses	expense	NOUN
cblr-2965	497	22	.	.	PUNCT
cblr-2965	498	1	sec	sec	PROPN
cblr-2965	498	2	form	form	PROPN
cblr-2965	498	3	n-1a	n-1a	PROPN
cblr-2965	498	4	,	,	PUNCT
cblr-2965	498	5	supra	supra	PROPN
cblr-2965	498	6	note	note	NOUN
cblr-2965	498	7	74	74	NUM
cblr-2965	498	8	,	,	PUNCT
cblr-2965	498	9	at	at	ADP
cblr-2965	498	10	item	item	NOUN
cblr-2965	498	11	3	3	NUM
cblr-2965	498	12	.	.	PUNCT
cblr-2965	498	13	col	col	PROPN
cblr-2965	498	14	umbia	umbia	PROPN
cblr-2965	498	15	b	b	PROPN
cblr-2965	499	1	usiness	usiness	PROPN
cblr-2965	499	2	la	la	PROPN
cblr-2965	499	3	w	w	PROPN
cblr-2965	499	4	re	re	PROPN
cblr-2965	499	5	vie	vie	PROPN
cblr-2965	499	6	w	w	PROPN
cblr-2965	500	1	[	[	X
cblr-2965	500	2	vol	vol	NOUN
cblr-2965	500	3	.	.	NOUN
cblr-2965	500	4	2008	2008	NUM
cblr-2965	500	5	mutual	mutual	ADJ
cblr-2965	500	6	fund	fund	NOUN
cblr-2965	500	7	investors	investor	NOUN
cblr-2965	500	8	the	the	DET
cblr-2965	500	9	increasing	increase	VERB
cblr-2965	500	10	variety	variety	NOUN
cblr-2965	500	11	of	of	ADP
cblr-2965	500	12	sales	sale	NOUN
cblr-2965	500	13	loads	load	NOUN
cblr-2965	500	14	and	and	CCONJ
cblr-2965	500	15	other	other	ADJ
cblr-2965	500	16	fund	fund	NOUN
cblr-2965	500	17	distribution	distribution	NOUN
cblr-2965	500	18	arrangements	arrangement	NOUN
cblr-2965	500	19	were	be	AUX
cblr-2965	500	20	not	not	PART
cblr-2965	500	21	uniformly	uniformly	ADV
cblr-2965	500	22	presented	present	VERB
cblr-2965	500	23	.	.	PUNCT
cblr-2965	501	1	"10	"10	PROPN
cblr-2965	501	2	7	7	NUM
cblr-2965	501	3	in	in	ADP
cblr-2965	501	4	addition	addition	NOUN
cblr-2965	501	5	,	,	PUNCT
cblr-2965	501	6	the	the	DET
cblr-2965	501	7	fee	fee	NOUN
cblr-2965	501	8	table	table	NOUN
cblr-2965	501	9	must	must	AUX
cblr-2965	501	10	be	be	AUX
cblr-2965	501	11	accompanied	accompany	VERB
cblr-2965	501	12	by	by	ADP
cblr-2965	501	13	a	a	DET
cblr-2965	501	14	listing	listing	NOUN
cblr-2965	501	15	of	of	ADP
cblr-2965	501	16	the	the	DET
cblr-2965	501	17	dollar	dollar	NOUN
cblr-2965	501	18	amount	amount	NOUN
cblr-2965	501	19	of	of	ADP
cblr-2965	501	20	fees	fee	NOUN
cblr-2965	501	21	and	and	CCONJ
cblr-2965	501	22	expenses	expense	NOUN
cblr-2965	501	23	that	that	SCONJ
cblr-2965	501	24	investors	investor	NOUN
cblr-2965	501	25	would	would	AUX
cblr-2965	501	26	pay	pay	VERB
cblr-2965	501	27	over	over	ADP
cblr-2965	501	28	one	one	NUM
cblr-2965	501	29	,	,	PUNCT
cblr-2965	501	30	three	three	NUM
cblr-2965	501	31	,	,	PUNCT
cblr-2965	501	32	five	five	NUM
cblr-2965	501	33	,	,	PUNCT
cblr-2965	501	34	and	and	CCONJ
cblr-2965	501	35	ten	ten	NUM
cblr-2965	501	36	year	year	NOUN
cblr-2965	501	37	periods	period	NOUN
cblr-2965	501	38	if	if	SCONJ
cblr-2965	501	39	they	they	PRON
cblr-2965	501	40	invested	invest	VERB
cblr-2965	501	41	$	$	SYM
cblr-2965	501	42	10,000	10,000	NUM
cblr-2965	501	43	in	in	ADP
cblr-2965	501	44	the	the	DET
cblr-2965	501	45	fund	fund	NOUN
cblr-2965	501	46	and	and	CCONJ
cblr-2965	501	47	received	receive	VERB
cblr-2965	501	48	a	a	DET
cblr-2965	501	49	5	5	NUM
cblr-2965	501	50	%	%	NOUN
cblr-2965	501	51	annual	annual	ADJ
cblr-2965	501	52	return	return	NOUN
cblr-2965	501	53	.	.	PUNCT
cblr-2965	502	1	108	108	NUM
cblr-2965	502	2	the	the	DET
cblr-2965	502	3	prospectus	prospectus	NOUN
cblr-2965	502	4	must	must	AUX
cblr-2965	502	5	also	also	ADV
cblr-2965	502	6	contain	contain	VERB
cblr-2965	502	7	a	a	DET
cblr-2965	502	8	standardized	standardized	ADJ
cblr-2965	502	9	graph	graph	NOUN
cblr-2965	502	10	and	and	CCONJ
cblr-2965	502	11	table	table	NOUN
cblr-2965	502	12	of	of	ADP
cblr-2965	502	13	the	the	DET
cblr-2965	502	14	fund	fund	NOUN
cblr-2965	502	15	's	's	PART
cblr-2965	502	16	historical	historical	ADJ
cblr-2965	502	17	returns	return	NOUN
cblr-2965	502	18	.	.	PUNCT
cblr-2965	503	1	a	a	DET
cblr-2965	503	2	bar	bar	NOUN
cblr-2965	503	3	chart	chart	NOUN
cblr-2965	503	4	must	must	AUX
cblr-2965	503	5	show	show	VERB
cblr-2965	503	6	the	the	DET
cblr-2965	503	7	fund	fund	NOUN
cblr-2965	503	8	's	's	PART
cblr-2965	503	9	annual	annual	ADJ
cblr-2965	503	10	returns	return	NOUN
cblr-2965	503	11	during	during	ADP
cblr-2965	503	12	each	each	PRON
cblr-2965	503	13	of	of	ADP
cblr-2965	503	14	the	the	DET
cblr-2965	503	15	last	last	ADJ
cblr-2965	503	16	ten	ten	NUM
cblr-2965	503	17	calendar	calendar	NOUN
cblr-2965	503	18	years	year	NOUN
cblr-2965	503	19	.	.	PUNCT
cblr-2965	504	1	in	in	ADP
cblr-2965	504	2	addition	addition	NOUN
cblr-2965	504	3	,	,	PUNCT
cblr-2965	504	4	the	the	DET
cblr-2965	504	5	fund	fund	NOUN
cblr-2965	504	6	's	's	PART
cblr-2965	504	7	average	average	ADJ
cblr-2965	504	8	annual	annual	ADJ
cblr-2965	504	9	returns	return	NOUN
cblr-2965	504	10	over	over	ADP
cblr-2965	504	11	the	the	DET
cblr-2965	504	12	previous	previous	ADJ
cblr-2965	504	13	one	one	NUM
cblr-2965	504	14	,	,	PUNCT
cblr-2965	504	15	five	five	NUM
cblr-2965	504	16	,	,	PUNCT
cblr-2965	504	17	and	and	CCONJ
cblr-2965	504	18	ten	ten	NUM
cblr-2965	504	19	calendar	calendar	NOUN
cblr-2965	504	20	years	year	NOUN
cblr-2965	504	21	must	must	AUX
cblr-2965	504	22	be	be	AUX
cblr-2965	504	23	presented	present	VERB
cblr-2965	504	24	in	in	ADP
cblr-2965	504	25	the	the	DET
cblr-2965	504	26	table	table	NOUN
cblr-2965	504	27	.	.	PUNCT
cblr-2965	505	1	°	°	SCONJ
cblr-2965	505	2	9	9	NUM
cblr-2965	505	3	the	the	DET
cblr-2965	505	4	table	table	NOUN
cblr-2965	505	5	must	must	AUX
cblr-2965	505	6	also	also	ADV
cblr-2965	505	7	show	show	VERB
cblr-2965	505	8	the	the	DET
cblr-2965	505	9	returns	return	NOUN
cblr-2965	505	10	of	of	ADP
cblr-2965	505	11	"	"	PUNCT
cblr-2965	505	12	an	an	DET
cblr-2965	505	13	appropriate	appropriate	ADJ
cblr-2965	505	14	broad	broad	ADV
cblr-2965	505	15	-	-	PUNCT
cblr-2965	505	16	based	base	VERB
cblr-2965	505	17	securities	security	NOUN
cblr-2965	505	18	market	market	NOUN
cblr-2965	505	19	index	index	NOUN
cblr-2965	505	20	...	...	PUNCT
cblr-2965	505	21	for	for	ADP
cblr-2965	505	22	the	the	DET
cblr-2965	505	23	same	same	ADJ
cblr-2965	505	24	periods	period	NOUN
cblr-2965	505	25	.	.	PUNCT
cblr-2965	505	26	"	"	PUNCT
cblr-2965	506	1	10	10	NUM
cblr-2965	506	2	according	accord	VERB
cblr-2965	506	3	to	to	ADP
cblr-2965	506	4	the	the	DET
cblr-2965	506	5	sec	sec	PROPN
cblr-2965	506	6	,	,	PUNCT
cblr-2965	506	7	this	this	DET
cblr-2965	506	8	bar	bar	NOUN
cblr-2965	506	9	chart	chart	NOUN
cblr-2965	506	10	and	and	CCONJ
cblr-2965	506	11	table	table	NOUN
cblr-2965	506	12	serve	serve	VERB
cblr-2965	506	13	multiple	multiple	ADJ
cblr-2965	506	14	purposes	purpose	NOUN
cblr-2965	506	15	.	.	PUNCT
cblr-2965	507	1	first	first	ADV
cblr-2965	507	2	,	,	PUNCT
cblr-2965	507	3	they	they	PRON
cblr-2965	507	4	help	help	VERB
cblr-2965	507	5	inform	inform	VERB
cblr-2965	507	6	investors	investor	NOUN
cblr-2965	507	7	about	about	ADP
cblr-2965	507	8	the	the	DET
cblr-2965	507	9	fund	fund	NOUN
cblr-2965	507	10	's	's	PART
cblr-2965	507	11	past	past	ADJ
cblr-2965	507	12	returns	return	NOUN
cblr-2965	507	13	,	,	PUNCT
cblr-2965	507	14	both	both	CCONJ
cblr-2965	507	15	in	in	ADP
cblr-2965	507	16	absolute	absolute	ADJ
cblr-2965	507	17	terms	term	NOUN
cblr-2965	507	18	and	and	CCONJ
cblr-2965	507	19	relative	relative	ADJ
cblr-2965	507	20	to	to	ADP
cblr-2965	507	21	an	an	DET
cblr-2965	507	22	appropriate	appropriate	ADJ
cblr-2965	507	23	index	index	NOUN
cblr-2965	507	24	.	.	PUNCT
cblr-2965	508	1	also	also	ADV
cblr-2965	508	2	,	,	PUNCT
cblr-2965	508	3	standardizing	standardize	VERB
cblr-2965	508	4	the	the	DET
cblr-2965	508	5	presentation	presentation	NOUN
cblr-2965	508	6	of	of	ADP
cblr-2965	508	7	past	past	ADJ
cblr-2965	508	8	returns	return	NOUN
cblr-2965	508	9	facilitates	facilitate	VERB
cblr-2965	508	10	investor	investor	NOUN
cblr-2965	508	11	comparison	comparison	NOUN
cblr-2965	508	12	of	of	ADP
cblr-2965	508	13	the	the	DET
cblr-2965	508	14	returns	return	NOUN
cblr-2965	508	15	of	of	ADP
cblr-2965	508	16	other	other	ADJ
cblr-2965	508	17	mutual	mutual	ADJ
cblr-2965	508	18	funds	fund	NOUN
cblr-2965	508	19	-	-	PUNCT
cblr-2965	508	20	subject	subject	NOUN
cblr-2965	508	21	to	to	ADP
cblr-2965	508	22	the	the	DET
cblr-2965	508	23	boilerplate	boilerplate	ADJ
cblr-2965	508	24	caution	caution	NOUN
cblr-2965	508	25	that	that	SCONJ
cblr-2965	508	26	"	"	PUNCT
cblr-2965	508	27	the	the	DET
cblr-2965	508	28	fund	fund	NOUN
cblr-2965	508	29	's	's	PART
cblr-2965	508	30	past	past	ADJ
cblr-2965	508	31	performance	performance	NOUN
cblr-2965	508	32	(	(	PUNCT
cblr-2965	508	33	before	before	ADP
cblr-2965	508	34	and	and	CCONJ
cblr-2965	508	35	after	after	ADP
cblr-2965	508	36	taxes	taxis	NOUN
cblr-2965	508	37	)	)	PUNCT
cblr-2965	508	38	is	be	AUX
cblr-2965	508	39	not	not	PART
cblr-2965	508	40	necessarily	necessarily	ADV
cblr-2965	508	41	an	an	DET
cblr-2965	508	42	indication	indication	NOUN
cblr-2965	508	43	of	of	ADP
cblr-2965	508	44	how	how	SCONJ
cblr-2965	508	45	the	the	DET
cblr-2965	508	46	fund	fund	NOUN
cblr-2965	508	47	will	will	AUX
cblr-2965	508	48	perform	perform	VERB
cblr-2965	508	49	in	in	ADP
cblr-2965	508	50	the	the	DET
cblr-2965	508	51	future	future	NOUN
cblr-2965	508	52	.	.	PUNCT
cblr-2965	509	1	"	"	PUNCT
cblr-2965	509	2	"	"	PUNCT
cblr-2965	509	3	'	'	PUNCT
cblr-2965	509	4	the	the	DET
cblr-2965	509	5	sec	sec	PROPN
cblr-2965	509	6	also	also	ADV
cblr-2965	509	7	seeks	seek	VERB
cblr-2965	509	8	to	to	PART
cblr-2965	509	9	have	have	VERB
cblr-2965	509	10	the	the	DET
cblr-2965	509	11	prospectus	prospectus	NOUN
cblr-2965	509	12	convey	convey	VERB
cblr-2965	509	13	the	the	DET
cblr-2965	509	14	volatility	volatility	NOUN
cblr-2965	509	15	of	of	ADP
cblr-2965	509	16	the	the	DET
cblr-2965	509	17	fund	fund	NOUN
cblr-2965	509	18	's	's	PART
cblr-2965	509	19	returns	return	NOUN
cblr-2965	509	20	.	.	PUNCT
cblr-2965	510	1	thus	thus	ADV
cblr-2965	510	2	,	,	PUNCT
cblr-2965	510	3	the	the	DET
cblr-2965	510	4	prospectus	prospectus	NOUN
cblr-2965	510	5	must	must	AUX
cblr-2965	510	6	include	include	VERB
cblr-2965	510	7	an	an	DET
cblr-2965	510	8	explanation	explanation	NOUN
cblr-2965	510	9	of	of	ADP
cblr-2965	510	10	how	how	SCONJ
cblr-2965	510	11	the	the	DET
cblr-2965	510	12	bar	bar	NOUN
cblr-2965	510	13	chart	chart	NOUN
cblr-2965	510	14	and	and	CCONJ
cblr-2965	510	15	table	table	NOUN
cblr-2965	510	16	of	of	ADP
cblr-2965	510	17	the	the	DET
cblr-2965	510	18	fund	fund	NOUN
cblr-2965	510	19	's	's	PART
cblr-2965	510	20	past	past	ADJ
cblr-2965	510	21	returns	return	NOUN
cblr-2965	510	22	illustrate	illustrate	VERB
cblr-2965	510	23	:	:	PUNCT
cblr-2965	510	24	the	the	DET
cblr-2965	510	25	variability	variability	NOUN
cblr-2965	510	26	of	of	ADP
cblr-2965	510	27	the	the	DET
cblr-2965	510	28	fund	fund	NOUN
cblr-2965	510	29	's	's	PART
cblr-2965	510	30	returns	return	NOUN
cblr-2965	510	31	(	(	PUNCT
cblr-2965	510	32	e.g.	e.g.	ADV
cblr-2965	510	33	,	,	PUNCT
cblr-2965	510	34	by	by	ADP
cblr-2965	510	35	stating	state	VERB
cblr-2965	510	36	that	that	SCONJ
cblr-2965	510	37	the	the	DET
cblr-2965	510	38	information	information	NOUN
cblr-2965	510	39	provides	provide	VERB
cblr-2965	510	40	some	some	DET
cblr-2965	510	41	indication	indication	NOUN
cblr-2965	510	42	of	of	ADP
cblr-2965	510	43	the	the	DET
cblr-2965	510	44	risks	risk	NOUN
cblr-2965	510	45	of	of	ADP
cblr-2965	510	46	investing	invest	VERB
cblr-2965	510	47	in	in	ADP
cblr-2965	510	48	the	the	DET
cblr-2965	510	49	fund	fund	NOUN
cblr-2965	510	50	by	by	ADP
cblr-2965	510	51	showing	show	VERB
cblr-2965	510	52	changes	change	NOUN
cblr-2965	510	53	in	in	ADP
cblr-2965	510	54	the	the	DET
cblr-2965	510	55	fund	fund	NOUN
cblr-2965	510	56	's	's	PART
cblr-2965	510	57	performance	performance	NOUN
cblr-2965	510	58	from	from	ADP
cblr-2965	510	59	year	year	NOUN
cblr-2965	510	60	to	to	ADP
cblr-2965	510	61	year	year	NOUN
cblr-2965	510	62	and	and	CCONJ
cblr-2965	510	63	by	by	ADP
cblr-2965	510	64	107	107	NUM
cblr-2965	510	65	sec	sec	PROPN
cblr-2965	510	66	fee	fee	NOUN
cblr-2965	510	67	report	report	NOUN
cblr-2965	510	68	,	,	PUNCT
cblr-2965	510	69	supra	supra	PROPN
cblr-2965	510	70	note	note	PROPN
cblr-2965	510	71	106	106	NUM
cblr-2965	510	72	,	,	PUNCT
cblr-2965	510	73	at	at	ADP
cblr-2965	510	74	§	§	PROPN
cblr-2965	510	75	ii(a)(2	ii(a)(2	NOUN
cblr-2965	510	76	)	)	PUNCT
cblr-2965	510	77	.	.	PUNCT
cblr-2965	511	1	108	108	NUM
cblr-2965	511	2	sec	sec	PROPN
cblr-2965	511	3	form	form	NOUN
cblr-2965	511	4	n-1a	n-1a	PROPN
cblr-2965	511	5	,	,	PUNCT
cblr-2965	511	6	supra	supra	PROPN
cblr-2965	511	7	note	note	NOUN
cblr-2965	511	8	74	74	NUM
cblr-2965	511	9	,	,	PUNCT
cblr-2965	511	10	at	at	ADP
cblr-2965	511	11	item	item	NOUN
cblr-2965	511	12	3	3	NUM
cblr-2965	511	13	.	.	NOUN
cblr-2965	511	14	109	109	NUM
cblr-2965	511	15	the	the	DET
cblr-2965	511	16	fund	fund	NOUN
cblr-2965	511	17	's	's	PART
cblr-2965	511	18	returns	return	NOUN
cblr-2965	511	19	before	before	ADP
cblr-2965	511	20	taxes	taxis	NOUN
cblr-2965	511	21	,	,	PUNCT
cblr-2965	511	22	returns	return	NOUN
cblr-2965	511	23	after	after	ADP
cblr-2965	511	24	taxes	taxis	NOUN
cblr-2965	511	25	on	on	ADP
cblr-2965	511	26	distributions	distribution	NOUN
cblr-2965	511	27	,	,	PUNCT
cblr-2965	511	28	and	and	CCONJ
cblr-2965	511	29	returns	return	NOUN
cblr-2965	511	30	after	after	ADP
cblr-2965	511	31	taxes	taxis	NOUN
cblr-2965	511	32	on	on	ADP
cblr-2965	511	33	distributions	distribution	NOUN
cblr-2965	511	34	and	and	CCONJ
cblr-2965	511	35	sale	sale	NOUN
cblr-2965	511	36	of	of	ADP
cblr-2965	511	37	fund	fund	NOUN
cblr-2965	511	38	shares	share	NOUN
cblr-2965	511	39	must	must	AUX
cblr-2965	511	40	each	each	PRON
cblr-2965	511	41	be	be	AUX
cblr-2965	511	42	presented	present	VERB
cblr-2965	511	43	in	in	ADP
cblr-2965	511	44	the	the	DET
cblr-2965	511	45	table	table	NOUN
cblr-2965	511	46	.	.	PUNCT
cblr-2965	512	1	i	i	PRON
cblr-2965	512	2	d.	d.	PROPN
cblr-2965	512	3	at	at	ADP
cblr-2965	512	4	item	item	NOUN
cblr-2965	512	5	2	2	NUM
cblr-2965	512	6	.	.	NUM
cblr-2965	512	7	110	110	NUM
cblr-2965	512	8	i	i	PROPN
cblr-2965	512	9	d.	d.	PROPN
cblr-2965	512	10	111	111	NUM
cblr-2965	513	1	i	i	PRON
cblr-2965	513	2	d.	d.	PROPN
cblr-2965	513	3	no	no	INTJ
cblr-2965	513	4	.	.	PUNCT
cblr-2965	514	1	3:9341	3:9341	NUM
cblr-2965	514	2	showing	show	VERB
cblr-2965	514	3	how	how	SCONJ
cblr-2965	514	4	the	the	DET
cblr-2965	514	5	fund	fund	NOUN
cblr-2965	514	6	's	's	PART
cblr-2965	514	7	average	average	ADJ
cblr-2965	514	8	annual	annual	ADJ
cblr-2965	514	9	returns	return	NOUN
cblr-2965	514	10	for	for	ADP
cblr-2965	514	11	one	one	NUM
cblr-2965	514	12	,	,	PUNCT
cblr-2965	514	13	five	five	NUM
cblr-2965	514	14	,	,	PUNCT
cblr-2965	514	15	and	and	CCONJ
cblr-2965	514	16	ten	ten	NUM
cblr-2965	514	17	years	year	NOUN
cblr-2965	514	18	compare	compare	VERB
cblr-2965	514	19	with	with	ADP
cblr-2965	514	20	those	those	PRON
cblr-2965	514	21	of	of	ADP
cblr-2965	514	22	a	a	DET
cblr-2965	514	23	broad	broad	ADJ
cblr-2965	514	24	measure	measure	NOUN
cblr-2965	514	25	of	of	ADP
cblr-2965	514	26	market	market	NOUN
cblr-2965	514	27	performance).112	performance).112	NOUN
cblr-2965	514	28	in	in	ADP
cblr-2965	514	29	addition	addition	NOUN
cblr-2965	514	30	,	,	PUNCT
cblr-2965	514	31	the	the	DET
cblr-2965	514	32	sec	sec	PROPN
cblr-2965	514	33	mandates	mandate	VERB
cblr-2965	514	34	the	the	DET
cblr-2965	514	35	order	order	NOUN
cblr-2965	514	36	of	of	ADP
cblr-2965	514	37	the	the	DET
cblr-2965	514	38	information	information	NOUN
cblr-2965	514	39	that	that	PRON
cblr-2965	514	40	must	must	AUX
cblr-2965	514	41	be	be	AUX
cblr-2965	514	42	disclosed	disclose	VERB
cblr-2965	514	43	.	.	PUNCT
cblr-2965	515	1	in	in	ADP
cblr-2965	515	2	1998	1998	NUM
cblr-2965	515	3	,	,	PUNCT
cblr-2965	515	4	the	the	DET
cblr-2965	515	5	sec	sec	PROPN
cblr-2965	515	6	required	require	VERB
cblr-2965	515	7	the	the	DET
cblr-2965	515	8	front	front	ADJ
cblr-2965	515	9	part	part	NOUN
cblr-2965	515	10	of	of	ADP
cblr-2965	515	11	prospectuses	prospectus	NOUN
cblr-2965	515	12	to	to	PART
cblr-2965	515	13	include	include	VERB
cblr-2965	515	14	a	a	DET
cblr-2965	515	15	risk	risk	NOUN
cblr-2965	515	16	/	/	SYM
cblr-2965	515	17	return	return	NOUN
cblr-2965	515	18	summary	summary	NOUN
cblr-2965	515	19	.	.	PUNCT
cblr-2965	516	1	this	this	DET
cblr-2965	516	2	risk	risk	NOUN
cblr-2965	516	3	/	/	SYM
cblr-2965	516	4	return	return	NOUN
cblr-2965	516	5	summary	summary	NOUN
cblr-2965	516	6	is	be	AUX
cblr-2965	516	7	intended	intend	VERB
cblr-2965	516	8	to	to	PART
cblr-2965	516	9	"	"	PUNCT
cblr-2965	516	10	function	function	VERB
cblr-2965	516	11	[	[	X
cblr-2965	516	12	]	]	X
cblr-2965	516	13	as	as	ADP
cblr-2965	516	14	a	a	DET
cblr-2965	516	15	standardized	standardized	ADJ
cblr-2965	516	16	'	'	PUNCT
cblr-2965	516	17	executive	executive	ADJ
cblr-2965	516	18	summary	summary	NOUN
cblr-2965	516	19	'	'	PUNCT
cblr-2965	516	20	of	of	ADP
cblr-2965	516	21	key	key	ADJ
cblr-2965	516	22	information	information	NOUN
cblr-2965	516	23	about	about	ADP
cblr-2965	516	24	the	the	DET
cblr-2965	516	25	fund	fund	NOUN
cblr-2965	516	26	.	.	PUNCT
cblr-2965	516	27	'	'	PUNCT
cblr-2965	517	1	1	1	NUM
cblr-2965	517	2	13	13	NUM
cblr-2965	517	3	the	the	DET
cblr-2965	517	4	summary	summary	NOUN
cblr-2965	517	5	includes	include	VERB
cblr-2965	517	6	the	the	DET
cblr-2965	517	7	fund	fund	NOUN
cblr-2965	517	8	's	's	PART
cblr-2965	517	9	investment	investment	NOUN
cblr-2965	517	10	objectives	objective	NOUN
cblr-2965	517	11	or	or	CCONJ
cblr-2965	517	12	goals	goal	NOUN
cblr-2965	517	13	,	,	PUNCT
cblr-2965	517	14	its	its	PRON
cblr-2965	517	15	principal	principal	ADJ
cblr-2965	517	16	investment	investment	NOUN
cblr-2965	517	17	strategies	strategy	NOUN
cblr-2965	517	18	,	,	PUNCT
cblr-2965	517	19	the	the	DET
cblr-2965	517	20	fee	fee	NOUN
cblr-2965	517	21	table	table	NOUN
cblr-2965	517	22	,	,	PUNCT
cblr-2965	517	23	and	and	CCONJ
cblr-2965	517	24	the	the	DET
cblr-2965	517	25	bar	bar	NOUN
cblr-2965	517	26	chart	chart	NOUN
cblr-2965	517	27	and	and	CCONJ
cblr-2965	517	28	table	table	NOUN
cblr-2965	517	29	showing	show	VERB
cblr-2965	517	30	past	past	ADP
cblr-2965	517	31	returns.1	returns.1	NOUN
cblr-2965	517	32	1	1	NUM
cblr-2965	517	33	4	4	NUM
cblr-2965	517	34	the	the	DET
cblr-2965	517	35	placement	placement	NOUN
cblr-2965	517	36	of	of	ADP
cblr-2965	517	37	the	the	DET
cblr-2965	517	38	summary	summary	NOUN
cblr-2965	517	39	at	at	ADP
cblr-2965	517	40	the	the	DET
cblr-2965	517	41	beginning	beginning	NOUN
cblr-2965	517	42	of	of	ADP
cblr-2965	517	43	the	the	DET
cblr-2965	517	44	prospectus	prospectus	NOUN
cblr-2965	517	45	reflects	reflect	VERB
cblr-2965	517	46	the	the	DET
cblr-2965	517	47	sec	sec	PROPN
cblr-2965	517	48	's	's	PART
cblr-2965	517	49	belief	belief	NOUN
cblr-2965	517	50	that	that	SCONJ
cblr-2965	517	51	investors	investor	NOUN
cblr-2965	517	52	are	be	AUX
cblr-2965	517	53	more	more	ADV
cblr-2965	517	54	likely	likely	ADJ
cblr-2965	517	55	to	to	PART
cblr-2965	517	56	read	read	VERB
cblr-2965	517	57	prominently	prominently	ADV
cblr-2965	517	58	placed	place	VERB
cblr-2965	517	59	information	information	NOUN
cblr-2965	517	60	.	.	PUNCT
cblr-2965	518	1	5	5	NUM
cblr-2965	518	2	similarly	similarly	ADV
cblr-2965	518	3	,	,	PUNCT
cblr-2965	518	4	the	the	DET
cblr-2965	518	5	sec	sec	PROPN
cblr-2965	518	6	requires	require	VERB
cblr-2965	518	7	that	that	SCONJ
cblr-2965	518	8	the	the	DET
cblr-2965	518	9	information	information	NOUN
cblr-2965	518	10	in	in	ADP
cblr-2965	518	11	the	the	DET
cblr-2965	518	12	fund	fund	NOUN
cblr-2965	518	13	profile	profile	NOUN
cblr-2965	518	14	be	be	AUX
cblr-2965	518	15	presented	present	VERB
cblr-2965	518	16	in	in	ADP
cblr-2965	518	17	a	a	DET
cblr-2965	518	18	specified	specify	VERB
cblr-2965	518	19	order	order	NOUN
cblr-2965	518	20	.	.	PUNCT
cblr-2965	519	1	the	the	DET
cblr-2965	519	2	sec	sec	PROPN
cblr-2965	519	3	believes	believe	VERB
cblr-2965	519	4	that	that	SCONJ
cblr-2965	519	5	"	"	PUNCT
cblr-2965	519	6	requiring	require	VERB
cblr-2965	519	7	the	the	DET
cblr-2965	519	8	profile	profile	NOUN
cblr-2965	519	9	items	item	NOUN
cblr-2965	519	10	in	in	ADP
cblr-2965	519	11	a	a	DET
cblr-2965	519	12	specific	specific	ADJ
cblr-2965	519	13	sequence	sequence	NOUN
cblr-2965	519	14	will	will	AUX
cblr-2965	519	15	substantially	substantially	ADV
cblr-2965	519	16	assist	assist	VERB
cblr-2965	519	17	investors	investor	NOUN
cblr-2965	519	18	in	in	ADP
cblr-2965	519	19	locating	locate	VERB
cblr-2965	519	20	information	information	NOUN
cblr-2965	519	21	and	and	CCONJ
cblr-2965	519	22	comparing	compare	VERB
cblr-2965	519	23	funds	fund	NOUN
cblr-2965	519	24	.	.	PUNCT
cblr-2965	520	1	"'16	"'16	NOUN
cblr-2965	520	2	recognizing	recognize	VERB
cblr-2965	520	3	that	that	SCONJ
cblr-2965	520	4	comparing	compare	VERB
cblr-2965	520	5	funds	fund	NOUN
cblr-2965	520	6	can	can	AUX
cblr-2965	520	7	be	be	AUX
cblr-2965	520	8	difficult	difficult	ADJ
cblr-2965	520	9	,	,	PUNCT
cblr-2965	520	10	the	the	DET
cblr-2965	520	11	sec	sec	PROPN
cblr-2965	520	12	is	be	AUX
cblr-2965	520	13	also	also	ADV
cblr-2965	520	14	attempting	attempt	VERB
cblr-2965	520	15	to	to	PART
cblr-2965	520	16	make	make	VERB
cblr-2965	520	17	the	the	DET
cblr-2965	520	18	information	information	NOUN
cblr-2965	520	19	in	in	ADP
cblr-2965	520	20	the	the	DET
cblr-2965	520	21	current	current	ADJ
cblr-2965	520	22	disclosure	disclosure	NOUN
cblr-2965	520	23	documents	document	NOUN
cblr-2965	520	24	more	more	ADV
cblr-2965	520	25	accessible	accessible	ADJ
cblr-2965	520	26	to	to	ADP
cblr-2965	520	27	investors	investor	NOUN
cblr-2965	520	28	.	.	PUNCT
cblr-2965	521	1	in	in	ADP
cblr-2965	521	2	june	june	PROPN
cblr-2965	521	3	2007	2007	NUM
cblr-2965	521	4	,	,	PUNCT
cblr-2965	521	5	the	the	DET
cblr-2965	521	6	sec	sec	PROPN
cblr-2965	521	7	allowed	allow	VERB
cblr-2965	521	8	mutual	mutual	ADJ
cblr-2965	521	9	funds	fund	NOUN
cblr-2965	521	10	to	to	PART
cblr-2965	521	11	file	file	VERB
cblr-2965	521	12	information	information	NOUN
cblr-2965	521	13	in	in	ADP
cblr-2965	521	14	the	the	DET
cblr-2965	521	15	risk	risk	NOUN
cblr-2965	521	16	/	/	SYM
cblr-2965	521	17	return	return	NOUN
cblr-2965	521	18	summary	summary	NOUN
cblr-2965	521	19	of	of	ADP
cblr-2965	521	20	their	their	PRON
cblr-2965	521	21	prospectuses	prospectus	NOUN
cblr-2965	521	22	as	as	ADP
cblr-2965	521	23	interactive	interactive	ADJ
cblr-2965	521	24	data	datum	NOUN
cblr-2965	521	25	.	.	PUNCT
cblr-2965	522	1	using	use	VERB
cblr-2965	522	2	certain	certain	ADJ
cblr-2965	522	3	software	software	NOUN
cblr-2965	522	4	,	,	PUNCT
cblr-2965	522	5	investors	investor	NOUN
cblr-2965	522	6	are	be	AUX
cblr-2965	522	7	able	able	ADJ
cblr-2965	522	8	to	to	PART
cblr-2965	522	9	access	access	VERB
cblr-2965	522	10	this	this	DET
cblr-2965	522	11	information	information	NOUN
cblr-2965	522	12	and	and	CCONJ
cblr-2965	522	13	compare	compare	VERB
cblr-2965	522	14	it	it	PRON
cblr-2965	522	15	across	across	ADP
cblr-2965	522	16	different	different	ADJ
cblr-2965	522	17	mutual	mutual	ADJ
cblr-2965	522	18	funds	fund	NOUN
cblr-2965	522	19	much	much	ADV
cblr-2965	522	20	more	more	ADV
cblr-2965	522	21	quickly	quickly	ADV
cblr-2965	522	22	than	than	SCONJ
cblr-2965	522	23	if	if	SCONJ
cblr-2965	522	24	they	they	PRON
cblr-2965	522	25	had	have	VERB
cblr-2965	522	26	to	to	PART
cblr-2965	522	27	collect	collect	VERB
cblr-2965	522	28	the	the	DET
cblr-2965	522	29	data	datum	NOUN
cblr-2965	522	30	from	from	ADP
cblr-2965	522	31	traditionally	traditionally	ADV
cblr-2965	522	32	-	-	PUNCT
cblr-2965	522	33	filed	file	VERB
cblr-2965	522	34	prospectuses	prospectus	NOUN
cblr-2965	522	35	.	.	PUNCT
cblr-2965	523	1	17	17	NUM
cblr-2965	523	2	112	112	NUM
cblr-2965	523	3	i	i	PROPN
cblr-2965	523	4	d.	d.	NOUN
cblr-2965	523	5	113	113	NUM
cblr-2965	523	6	transparency	transparency	NOUN
cblr-2965	523	7	hearings	hearing	NOUN
cblr-2965	523	8	,	,	PUNCT
cblr-2965	523	9	supra	supra	PROPN
cblr-2965	523	10	note	note	VERB
cblr-2965	523	11	68	68	NUM
cblr-2965	523	12	(	(	PUNCT
cblr-2965	523	13	statement	statement	NOUN
cblr-2965	523	14	of	of	ADP
cblr-2965	523	15	arthur	arthur	PROPN
cblr-2965	523	16	levitt	levitt	PROPN
cblr-2965	523	17	)	)	PUNCT
cblr-2965	523	18	.	.	PUNCT
cblr-2965	524	1	114	114	NUM
cblr-2965	524	2	sec	sec	PROPN
cblr-2965	524	3	form	form	NOUN
cblr-2965	524	4	n-1a	n-1a	PROPN
cblr-2965	524	5	,	,	PUNCT
cblr-2965	524	6	supra	supra	PROPN
cblr-2965	524	7	note	note	NOUN
cblr-2965	524	8	74	74	NUM
cblr-2965	524	9	,	,	PUNCT
cblr-2965	524	10	at	at	ADP
cblr-2965	524	11	item	item	NOUN
cblr-2965	524	12	2	2	NUM
cblr-2965	524	13	.	.	SYM
cblr-2965	524	14	115	115	NUM
cblr-2965	524	15	transparency	transparency	NOUN
cblr-2965	524	16	hearings	hearing	NOUN
cblr-2965	524	17	,	,	PUNCT
cblr-2965	524	18	supra	supra	PROPN
cblr-2965	524	19	note	note	VERB
cblr-2965	524	20	68	68	NUM
cblr-2965	524	21	(	(	PUNCT
cblr-2965	524	22	statement	statement	NOUN
cblr-2965	524	23	of	of	ADP
cblr-2965	524	24	arthur	arthur	PROPN
cblr-2965	524	25	levitt	levitt	PROPN
cblr-2965	524	26	)	)	PUNCT
cblr-2965	524	27	(	(	PUNCT
cblr-2965	524	28	requiring	require	VERB
cblr-2965	524	29	the	the	DET
cblr-2965	524	30	fee	fee	NOUN
cblr-2965	524	31	table	table	NOUN
cblr-2965	524	32	to	to	PART
cblr-2965	524	33	be	be	AUX
cblr-2965	524	34	in	in	ADP
cblr-2965	524	35	the	the	DET
cblr-2965	524	36	risk	risk	NOUN
cblr-2965	524	37	/	/	SYM
cblr-2965	524	38	return	return	NOUN
cblr-2965	524	39	summary	summary	NOUN
cblr-2965	524	40	"	"	PUNCT
cblr-2965	524	41	reflects	reflect	VERB
cblr-2965	524	42	the	the	DET
cblr-2965	524	43	commission	commission	NOUN
cblr-2965	524	44	's	's	PART
cblr-2965	524	45	commitment	commitment	NOUN
cblr-2965	524	46	to	to	ADP
cblr-2965	524	47	promoting	promote	VERB
cblr-2965	524	48	investors	investor	NOUN
cblr-2965	524	49	'	'	PART
cblr-2965	524	50	access	access	NOUN
cblr-2965	524	51	to	to	ADP
cblr-2965	524	52	fee	fee	NOUN
cblr-2965	524	53	information	information	NOUN
cblr-2965	524	54	as	as	ADP
cblr-2965	524	55	a	a	DET
cblr-2965	524	56	basis	basis	NOUN
cblr-2965	524	57	for	for	ADP
cblr-2965	524	58	a	a	DET
cblr-2965	524	59	fund	fund	NOUN
cblr-2965	524	60	investment	investment	NOUN
cblr-2965	524	61	decision	decision	NOUN
cblr-2965	524	62	"	"	PUNCT
cblr-2965	524	63	)	)	PUNCT
cblr-2965	524	64	.	.	PUNCT
cblr-2965	525	1	116	116	NUM
cblr-2965	525	2	new	new	ADJ
cblr-2965	525	3	disclosure	disclosure	NOUN
cblr-2965	525	4	option	option	NOUN
cblr-2965	525	5	for	for	ADP
cblr-2965	525	6	open	open	ADJ
cblr-2965	525	7	-	-	PUNCT
cblr-2965	525	8	end	end	NOUN
cblr-2965	525	9	management	management	NOUN
cblr-2965	525	10	investment	investment	NOUN
cblr-2965	525	11	companies	company	NOUN
cblr-2965	525	12	,	,	PUNCT
cblr-2965	525	13	63	63	NUM
cblr-2965	525	14	fed	feed	VERB
cblr-2965	525	15	.	.	PUNCT
cblr-2965	526	1	reg	reg	PROPN
cblr-2965	526	2	.	.	PROPN
cblr-2965	526	3	13,968	13,968	NUM
cblr-2965	526	4	,	,	PUNCT
cblr-2965	526	5	19,972	19,972	NUM
cblr-2965	526	6	(	(	PUNCT
cblr-2965	526	7	mar	mar	PROPN
cblr-2965	526	8	.	.	PROPN
cblr-2965	526	9	23	23	NUM
cblr-2965	526	10	,	,	PUNCT
cblr-2965	526	11	1998	1998	NUM
cblr-2965	526	12	)	)	PUNCT
cblr-2965	526	13	.	.	PUNCT
cblr-2965	527	1	17	17	NUM
cblr-2965	527	2	rachel	rachel	PROPN
cblr-2965	527	3	mctague	mctague	NOUN
cblr-2965	527	4	,	,	PUNCT
cblr-2965	527	5	mutual	mutual	ADJ
cblr-2965	527	6	funds	fund	NOUN
cblr-2965	527	7	:	:	PUNCT
cblr-2965	527	8	sec	sec	PROPN
cblr-2965	527	9	to	to	PART
cblr-2965	527	10	allow	allow	VERB
cblr-2965	527	11	use	use	NOUN
cblr-2965	527	12	of	of	ADP
cblr-2965	527	13	interactive	interactive	ADJ
cblr-2965	527	14	data	datum	NOUN
cblr-2965	527	15	by	by	ADP
cblr-2965	527	16	mutual	mutual	ADJ
cblr-2965	527	17	funds	fund	NOUN
cblr-2965	527	18	to	to	PART
cblr-2965	527	19	submit	submit	VERB
cblr-2965	527	20	risk	risk	NOUN
cblr-2965	527	21	/	/	SYM
cblr-2965	527	22	return	return	NOUN
cblr-2965	527	23	info	info	NOUN
cblr-2965	527	24	,	,	PUNCT
cblr-2965	527	25	39	39	NUM
cblr-2965	527	26	sec	sec	PROPN
cblr-2965	527	27	.	.	PUNCT
cblr-2965	527	28	col	col	PROPN
cblr-2965	527	29	umbia	umbia	PROPN
cblr-2965	527	30	b	b	PROPN
cblr-2965	527	31	usiness	usiness	PROPN
cblr-2965	527	32	la	la	PROPN
cblr-2965	527	33	w	w	PROPN
cblr-2965	527	34	re	re	PROPN
cblr-2965	527	35	vie	vie	PROPN
cblr-2965	527	36	w	w	PROPN
cblr-2965	528	1	[	[	X
cblr-2965	528	2	vol	vol	NOUN
cblr-2965	528	3	.	.	NOUN
cblr-2965	528	4	2008	2008	NUM
cblr-2965	528	5	mutual	mutual	ADJ
cblr-2965	528	6	fund	fund	NOUN
cblr-2965	528	7	investors	investor	NOUN
cblr-2965	528	8	3	3	NUM
cblr-2965	528	9	.	.	NOUN
cblr-2965	529	1	plain	plain	PROPN
cblr-2965	529	2	english	english	PROPN
cblr-2965	529	3	disclosure	disclosure	NOUN
cblr-2965	529	4	the	the	DET
cblr-2965	529	5	sec	sec	PROPN
cblr-2965	529	6	has	have	AUX
cblr-2965	529	7	explicitly	explicitly	ADV
cblr-2965	529	8	stated	state	VERB
cblr-2965	529	9	that	that	SCONJ
cblr-2965	529	10	it	it	PRON
cblr-2965	529	11	believes	believe	VERB
cblr-2965	529	12	that	that	SCONJ
cblr-2965	529	13	investors	investor	NOUN
cblr-2965	529	14	are	be	AUX
cblr-2965	529	15	more	more	ADV
cblr-2965	529	16	likely	likely	ADJ
cblr-2965	529	17	to	to	PART
cblr-2965	529	18	understand	understand	VERB
cblr-2965	529	19	disclosure	disclosure	NOUN
cblr-2965	529	20	documents	document	NOUN
cblr-2965	529	21	written	write	VERB
cblr-2965	529	22	in	in	ADP
cblr-2965	529	23	plain	plain	ADJ
cblr-2965	529	24	english.11	english.11	NOUN
cblr-2965	529	25	thus	thus	ADV
cblr-2965	529	26	,	,	PUNCT
cblr-2965	529	27	in	in	ADP
cblr-2965	529	28	1998	1998	NUM
cblr-2965	529	29	,	,	PUNCT
cblr-2965	529	30	to	to	PART
cblr-2965	529	31	make	make	VERB
cblr-2965	529	32	prospectuses	prospectus	NOUN
cblr-2965	529	33	(	(	PUNCT
cblr-2965	529	34	and	and	CCONJ
cblr-2965	529	35	fund	fund	NOUN
cblr-2965	529	36	profiles	profile	NOUN
cblr-2965	529	37	)	)	PUNCT
cblr-2965	529	38	easier	easy	ADJ
cblr-2965	529	39	for	for	SCONJ
cblr-2965	529	40	investors	investor	NOUN
cblr-2965	529	41	to	to	PART
cblr-2965	529	42	understand	understand	VERB
cblr-2965	529	43	,	,	PUNCT
cblr-2965	529	44	the	the	DET
cblr-2965	529	45	sec	sec	PROPN
cblr-2965	529	46	adopted	adopt	VERB
cblr-2965	529	47	a	a	DET
cblr-2965	529	48	"	"	PUNCT
cblr-2965	529	49	plain	plain	ADJ
cblr-2965	529	50	english	english	ADJ
cblr-2965	529	51	rule	rule	NOUN
cblr-2965	529	52	,	,	PUNCT
cblr-2965	529	53	"	"	PUNCT
cblr-2965	529	54	which	which	PRON
cblr-2965	529	55	requires	require	VERB
cblr-2965	529	56	that	that	SCONJ
cblr-2965	529	57	a	a	DET
cblr-2965	529	58	prospectus	prospectus	NOUN
cblr-2965	529	59	's	's	PART
cblr-2965	529	60	cover	cover	NOUN
cblr-2965	529	61	page	page	NOUN
cblr-2965	529	62	,	,	PUNCT
cblr-2965	529	63	risk	risk	NOUN
cblr-2965	529	64	/	/	SYM
cblr-2965	529	65	return	return	NOUN
cblr-2965	529	66	summary	summary	NOUN
cblr-2965	529	67	,	,	PUNCT
cblr-2965	529	68	and	and	CCONJ
cblr-2965	529	69	risk	risk	NOUN
cblr-2965	529	70	factors	factor	NOUN
cblr-2965	529	71	section	section	NOUN
cblr-2965	529	72	be	be	AUX
cblr-2965	529	73	written	write	VERB
cblr-2965	529	74	in	in	ADP
cblr-2965	529	75	"	"	PUNCT
cblr-2965	529	76	plain	plain	ADJ
cblr-2965	529	77	english	english	PROPN
cblr-2965	529	78	.	.	PUNCT
cblr-2965	529	79	"119	"119	PROPN
cblr-2965	530	1	the	the	DET
cblr-2965	530	2	sec	sec	PROPN
cblr-2965	530	3	summarized	summarize	VERB
cblr-2965	530	4	the	the	DET
cblr-2965	530	5	plain	plain	ADJ
cblr-2965	530	6	english	english	ADJ
cblr-2965	530	7	rule	rule	NOUN
cblr-2965	530	8	as	as	ADP
cblr-2965	530	9	requiring	require	VERB
cblr-2965	530	10	that	that	SCONJ
cblr-2965	530	11	,	,	PUNCT
cblr-2965	530	12	in	in	ADP
cblr-2965	530	13	these	these	DET
cblr-2965	530	14	sections	section	NOUN
cblr-2965	530	15	of	of	ADP
cblr-2965	530	16	the	the	DET
cblr-2965	530	17	prospectus	prospectus	NOUN
cblr-2965	530	18	,	,	PUNCT
cblr-2965	530	19	issuers	issuer	NOUN
cblr-2965	530	20	use	use	VERB
cblr-2965	530	21	"	"	PUNCT
cblr-2965	530	22	short	short	ADJ
cblr-2965	530	23	sentences	sentence	NOUN
cblr-2965	530	24	;	;	PUNCT
cblr-2965	530	25	definite	definite	ADJ
cblr-2965	530	26	,	,	PUNCT
cblr-2965	530	27	concrete	concrete	ADJ
cblr-2965	530	28	,	,	PUNCT
cblr-2965	530	29	everyday	everyday	ADJ
cblr-2965	530	30	language	language	NOUN
cblr-2965	530	31	;	;	PUNCT
cblr-2965	530	32	active	active	ADJ
cblr-2965	530	33	voice	voice	NOUN
cblr-2965	530	34	;	;	PUNCT
cblr-2965	530	35	tabular	tabular	NOUN
cblr-2965	530	36	presentation	presentation	NOUN
cblr-2965	530	37	of	of	ADP
cblr-2965	530	38	complex	complex	ADJ
cblr-2965	530	39	information	information	NOUN
cblr-2965	530	40	;	;	PUNCT
cblr-2965	530	41	no	no	DET
cblr-2965	530	42	legal	legal	ADJ
cblr-2965	530	43	or	or	CCONJ
cblr-2965	530	44	business	business	NOUN
cblr-2965	530	45	jargon	jargon	NOUN
cblr-2965	530	46	;	;	PUNCT
cblr-2965	530	47	and	and	CCONJ
cblr-2965	530	48	no	no	DET
cblr-2965	530	49	multiple	multiple	ADJ
cblr-2965	530	50	negatives	negative	NOUN
cblr-2965	530	51	"	"	PUNCT
cblr-2965	530	52	and	and	CCONJ
cblr-2965	530	53	requiring	require	VERB
cblr-2965	530	54	that	that	SCONJ
cblr-2965	530	55	these	these	DET
cblr-2965	530	56	sections	section	NOUN
cblr-2965	530	57	be	be	AUX
cblr-2965	530	58	designed	design	VERB
cblr-2965	530	59	"	"	PUNCT
cblr-2965	530	60	to	to	PART
cblr-2965	530	61	make	make	VERB
cblr-2965	530	62	them	they	PRON
cblr-2965	530	63	inviting	invite	VERB
cblr-2965	530	64	to	to	ADP
cblr-2965	530	65	the	the	DET
cblr-2965	530	66	reader	reader	NOUN
cblr-2965	530	67	.	.	PUNCT
cblr-2965	531	1	""12	""12	PUNCT
cblr-2965	531	2	to	to	PART
cblr-2965	531	3	help	help	VERB
cblr-2965	531	4	issuers	issuer	NOUN
cblr-2965	531	5	comply	comply	VERB
cblr-2965	531	6	with	with	ADP
cblr-2965	531	7	the	the	DET
cblr-2965	531	8	new	new	ADJ
cblr-2965	531	9	rule	rule	NOUN
cblr-2965	531	10	,	,	PUNCT
cblr-2965	531	11	the	the	DET
cblr-2965	531	12	sec	sec	PROPN
cblr-2965	531	13	also	also	ADV
cblr-2965	531	14	produced	produce	VERB
cblr-2965	531	15	an	an	DET
cblr-2965	531	16	83	83	NUM
cblr-2965	531	17	-	-	PUNCT
cblr-2965	531	18	page	page	NOUN
cblr-2965	531	19	"	"	PUNCT
cblr-2965	531	20	plain	plain	ADJ
cblr-2965	531	21	english	english	ADJ
cblr-2965	531	22	handbook	handbook	NOUN
cblr-2965	531	23	"	"	PUNCT
cblr-2965	531	24	with	with	ADP
cblr-2965	531	25	specific	specific	ADJ
cblr-2965	531	26	guidelines	guideline	NOUN
cblr-2965	531	27	on	on	ADP
cblr-2965	531	28	how	how	SCONJ
cblr-2965	531	29	to	to	PART
cblr-2965	531	30	write	write	VERB
cblr-2965	531	31	in	in	ADP
cblr-2965	531	32	plain	plain	ADJ
cblr-2965	531	33	english.21	english.21	NOUN
cblr-2965	531	34	reg	reg	NOUN
cblr-2965	531	35	.	.	PUNCT
cblr-2965	531	36	&	&	CCONJ
cblr-2965	531	37	l.	l.	PROPN
cblr-2965	531	38	rep	rep	PROPN
cblr-2965	531	39	.	.	PROPN
cblr-2965	531	40	986	986	NUM
cblr-2965	531	41	(	(	PUNCT
cblr-2965	531	42	june	june	PROPN
cblr-2965	531	43	25	25	NUM
cblr-2965	531	44	,	,	PUNCT
cblr-2965	531	45	2007	2007	NUM
cblr-2965	531	46	)	)	PUNCT
cblr-2965	531	47	(	(	PUNCT
cblr-2965	531	48	stating	state	VERB
cblr-2965	531	49	that	that	SCONJ
cblr-2965	531	50	information	information	NOUN
cblr-2965	531	51	filed	file	VERB
cblr-2965	531	52	as	as	ADP
cblr-2965	531	53	interactive	interactive	ADJ
cblr-2965	531	54	data	datum	NOUN
cblr-2965	531	55	"	"	PUNCT
cblr-2965	531	56	will	will	AUX
cblr-2965	531	57	be	be	AUX
cblr-2965	531	58	tagged	tag	VERB
cblr-2965	531	59	using	use	VERB
cblr-2965	531	60	extensible	extensible	ADJ
cblr-2965	531	61	business	business	NOUN
cblr-2965	531	62	reporting	reporting	NOUN
cblr-2965	531	63	language	language	NOUN
cblr-2965	531	64	,	,	PUNCT
cblr-2965	531	65	or	or	CCONJ
cblr-2965	531	66	xbrl	xbrl	PROPN
cblr-2965	531	67	,	,	PUNCT
cblr-2965	531	68	so	so	SCONJ
cblr-2965	531	69	that	that	SCONJ
cblr-2965	531	70	it	it	PRON
cblr-2965	531	71	can	can	AUX
cblr-2965	531	72	be	be	AUX
cblr-2965	531	73	manipulated	manipulate	VERB
cblr-2965	531	74	through	through	ADP
cblr-2965	531	75	the	the	DET
cblr-2965	531	76	use	use	NOUN
cblr-2965	531	77	of	of	ADP
cblr-2965	531	78	software	software	NOUN
cblr-2965	531	79	tools	tool	NOUN
cblr-2965	531	80	to	to	PART
cblr-2965	531	81	cull	cull	VERB
cblr-2965	531	82	out	out	ADP
cblr-2965	531	83	specified	specified	ADJ
cblr-2965	531	84	information	information	NOUN
cblr-2965	531	85	,	,	PUNCT
cblr-2965	531	86	such	such	ADJ
cblr-2965	531	87	as	as	ADP
cblr-2965	531	88	cost	cost	NOUN
cblr-2965	531	89	data	datum	NOUN
cblr-2965	531	90	,	,	PUNCT
cblr-2965	531	91	for	for	ADP
cblr-2965	531	92	example	example	NOUN
cblr-2965	531	93	.	.	PUNCT
cblr-2965	532	1	"	"	PUNCT
cblr-2965	532	2	)	)	PUNCT
cblr-2965	532	3	.	.	PUNCT
cblr-2965	533	1	118	118	NUM
cblr-2965	533	2	plain	plain	ADJ
cblr-2965	533	3	english	english	ADJ
cblr-2965	533	4	disclosure	disclosure	NOUN
cblr-2965	533	5	,	,	PUNCT
cblr-2965	533	6	63	63	NUM
cblr-2965	533	7	fed	feed	VERB
cblr-2965	533	8	.	.	PUNCT
cblr-2965	534	1	reg	reg	PROPN
cblr-2965	534	2	.	.	PUNCT
cblr-2965	535	1	6,370	6,370	NUM
cblr-2965	535	2	,	,	PUNCT
cblr-2965	535	3	6,371	6,371	NUM
cblr-2965	535	4	(	(	PUNCT
cblr-2965	535	5	feb	feb	PROPN
cblr-2965	535	6	.	.	PROPN
cblr-2965	535	7	6	6	NUM
cblr-2965	535	8	,	,	PUNCT
cblr-2965	535	9	1998	1998	NUM
cblr-2965	535	10	)	)	PUNCT
cblr-2965	535	11	(	(	PUNCT
cblr-2965	535	12	to	to	PART
cblr-2965	535	13	be	be	AUX
cblr-2965	535	14	codified	codify	VERB
cblr-2965	535	15	at	at	ADP
cblr-2965	535	16	17	17	NUM
cblr-2965	535	17	c.f.r	c.f.r	NOUN
cblr-2965	535	18	.	.	PUNCT
cblr-2965	536	1	pt	pt	PROPN
cblr-2965	536	2	.	.	PROPN
cblr-2965	536	3	228	228	NUM
cblr-2965	536	4	,	,	PUNCT
cblr-2965	536	5	229	229	NUM
cblr-2965	536	6	,	,	PUNCT
cblr-2965	536	7	230	230	NUM
cblr-2965	536	8	,	,	PUNCT
cblr-2965	536	9	239	239	NUM
cblr-2965	536	10	,	,	PUNCT
cblr-2965	536	11	274	274	NUM
cblr-2965	536	12	)	)	PUNCT
cblr-2965	536	13	.	.	PUNCT
cblr-2965	537	1	(	(	PUNCT
cblr-2965	537	2	"	"	PUNCT
cblr-2965	537	3	[	[	PUNCT
cblr-2965	537	4	pireparing	pirepare	VERB
cblr-2965	537	5	documents	document	NOUN
cblr-2965	537	6	in	in	ADP
cblr-2965	537	7	plain	plain	ADJ
cblr-2965	537	8	english	english	PROPN
cblr-2965	537	9	increases	increase	VERB
cblr-2965	537	10	investors	investor	NOUN
cblr-2965	537	11	'	'	PART
cblr-2965	537	12	understanding	understanding	NOUN
cblr-2965	537	13	and	and	CCONJ
cblr-2965	537	14	helps	help	VERB
cblr-2965	537	15	them	they	PRON
cblr-2965	537	16	make	make	VERB
cblr-2965	537	17	informed	informed	ADJ
cblr-2965	537	18	investment	investment	NOUN
cblr-2965	537	19	decisions	decision	NOUN
cblr-2965	537	20	.	.	PUNCT
cblr-2965	537	21	"	"	PUNCT
cblr-2965	537	22	)	)	PUNCT
cblr-2965	537	23	.	.	PUNCT
cblr-2965	538	1	see	see	VERB
cblr-2965	538	2	also	also	ADV
cblr-2965	538	3	,	,	PUNCT
cblr-2965	538	4	sec	sec	PROPN
cblr-2965	538	5	,	,	PUNCT
cblr-2965	538	6	a	a	DET
cblr-2965	538	7	plain	plain	ADJ
cblr-2965	538	8	english	english	ADJ
cblr-2965	538	9	handbook	handbook	NOUN
cblr-2965	538	10	:	:	PUNCT
cblr-2965	538	11	how	how	SCONJ
cblr-2965	538	12	to	to	PART
cblr-2965	538	13	create	create	VERB
cblr-2965	538	14	clear	clear	ADJ
cblr-2965	538	15	sec	sec	PROPN
cblr-2965	538	16	disclosure	disclosure	NOUN
cblr-2965	538	17	documents	document	NOUN
cblr-2965	538	18	3	3	NUM
cblr-2965	538	19	(	(	PUNCT
cblr-2965	538	20	aug	aug	PROPN
cblr-2965	538	21	.	.	PROPN
cblr-2965	538	22	1998	1998	NUM
cblr-2965	538	23	)	)	PUNCT
cblr-2965	538	24	,	,	PUNCT
cblr-2965	538	25	available	available	ADJ
cblr-2965	538	26	at	at	ADP
cblr-2965	538	27	http://www.sec.gov/pdf/handbook.pdf	http://www.sec.gov/pdf/handbook.pdf	PROPN
cblr-2965	538	28	[	[	X
cblr-2965	538	29	hereinafter	hereinafter	NOUN
cblr-2965	538	30	plain	plain	ADJ
cblr-2965	538	31	english	english	PROPN
cblr-2965	538	32	handbook	handbook	NOUN
cblr-2965	538	33	]	]	PUNCT
cblr-2965	538	34	(	(	PUNCT
cblr-2965	538	35	"	"	PUNCT
cblr-2965	538	36	the	the	DET
cblr-2965	538	37	benefits	benefit	NOUN
cblr-2965	538	38	of	of	ADP
cblr-2965	538	39	plain	plain	ADJ
cblr-2965	538	40	english	english	ADJ
cblr-2965	538	41	abound	abound	NOUN
cblr-2965	538	42	.	.	PUNCT
cblr-2965	539	1	investors	investor	NOUN
cblr-2965	539	2	will	will	AUX
cblr-2965	539	3	be	be	AUX
cblr-2965	539	4	more	more	ADV
cblr-2965	539	5	likely	likely	ADJ
cblr-2965	539	6	to	to	PART
cblr-2965	539	7	understand	understand	VERB
cblr-2965	539	8	what	what	PRON
cblr-2965	539	9	they	they	PRON
cblr-2965	539	10	are	be	AUX
cblr-2965	539	11	buying	buy	VERB
cblr-2965	539	12	and	and	CCONJ
cblr-2965	539	13	to	to	PART
cblr-2965	539	14	make	make	VERB
cblr-2965	539	15	informed	informed	ADJ
cblr-2965	539	16	judgments	judgment	NOUN
cblr-2965	539	17	about	about	ADP
cblr-2965	539	18	whether	whether	SCONJ
cblr-2965	539	19	they	they	PRON
cblr-2965	539	20	should	should	AUX
cblr-2965	539	21	hold	hold	VERB
cblr-2965	539	22	or	or	CCONJ
cblr-2965	539	23	sell	sell	VERB
cblr-2965	539	24	their	their	PRON
cblr-2965	539	25	investments	investment	NOUN
cblr-2965	539	26	.	.	PUNCT
cblr-2965	539	27	"	"	PUNCT
cblr-2965	539	28	)	)	PUNCT
cblr-2965	539	29	.	.	PUNCT
cblr-2965	540	1	19	19	NUM
cblr-2965	540	2	although	although	SCONJ
cblr-2965	540	3	the	the	DET
cblr-2965	540	4	plain	plain	ADJ
cblr-2965	540	5	english	english	ADJ
cblr-2965	540	6	requirement	requirement	NOUN
cblr-2965	540	7	applies	apply	VERB
cblr-2965	540	8	only	only	ADV
cblr-2965	540	9	to	to	ADP
cblr-2965	540	10	certain	certain	ADJ
cblr-2965	540	11	parts	part	NOUN
cblr-2965	540	12	of	of	ADP
cblr-2965	540	13	the	the	DET
cblr-2965	540	14	prospectus	prospectus	NOUN
cblr-2965	540	15	,	,	PUNCT
cblr-2965	540	16	the	the	DET
cblr-2965	540	17	entire	entire	ADJ
cblr-2965	540	18	prospectus	prospectus	NOUN
cblr-2965	540	19	is	be	AUX
cblr-2965	540	20	required	require	VERB
cblr-2965	540	21	to	to	PART
cblr-2965	540	22	be	be	AUX
cblr-2965	540	23	"	"	PUNCT
cblr-2965	540	24	clear	clear	ADJ
cblr-2965	540	25	,	,	PUNCT
cblr-2965	540	26	concise	concise	ADJ
cblr-2965	540	27	,	,	PUNCT
cblr-2965	540	28	and	and	CCONJ
cblr-2965	540	29	understandable	understandable	ADJ
cblr-2965	540	30	.	.	PUNCT
cblr-2965	540	31	"	"	PUNCT
cblr-2965	541	1	plain	plain	ADJ
cblr-2965	541	2	english	english	ADJ
cblr-2965	541	3	disclosure	disclosure	NOUN
cblr-2965	541	4	,	,	PUNCT
cblr-2965	541	5	63	63	NUM
cblr-2965	541	6	fed	feed	VERB
cblr-2965	541	7	.	.	PUNCT
cblr-2965	542	1	reg	reg	PROPN
cblr-2965	542	2	.	.	PUNCT
cblr-2965	543	1	6,370	6,370	NUM
cblr-2965	543	2	,	,	PUNCT
cblr-2965	543	3	6,371	6,371	NUM
cblr-2965	543	4	.	.	PUNCT
cblr-2965	544	1	120	120	NUM
cblr-2965	544	2	i	i	PRON
cblr-2965	544	3	d.	d.	PROPN
cblr-2965	544	4	at	at	ADP
cblr-2965	544	5	6,370	6,370	NUM
cblr-2965	544	6	.	.	PUNCT
cblr-2965	545	1	121	121	NUM
cblr-2965	545	2	see	see	VERB
cblr-2965	545	3	plain	plain	ADJ
cblr-2965	545	4	english	english	ADJ
cblr-2965	545	5	handbook	handbook	NOUN
cblr-2965	545	6	,	,	PUNCT
cblr-2965	545	7	supra	supra	PROPN
cblr-2965	545	8	note	note	PROPN
cblr-2965	545	9	118	118	NUM
cblr-2965	545	10	.	.	PUNCT
cblr-2965	546	1	no	no	INTJ
cblr-2965	546	2	.	.	PUNCT
cblr-2965	547	1	3:934	3:934	X
cblr-2965	547	2	]	]	X
cblr-2965	547	3	4	4	X
cblr-2965	547	4	.	.	X
cblr-2965	547	5	summary	summary	NOUN
cblr-2965	547	6	and	and	CCONJ
cblr-2965	547	7	analysis	analysis	NOUN
cblr-2965	547	8	the	the	DET
cblr-2965	547	9	content	content	NOUN
cblr-2965	547	10	requirements	requirement	NOUN
cblr-2965	547	11	of	of	ADP
cblr-2965	547	12	the	the	DET
cblr-2965	547	13	prospectus	prospectus	NOUN
cblr-2965	547	14	and	and	CCONJ
cblr-2965	547	15	fund	fund	NOUN
cblr-2965	547	16	profile	profile	NOUN
cblr-2965	547	17	reflect	reflect	VERB
cblr-2965	547	18	the	the	DET
cblr-2965	547	19	sec	sec	PROPN
cblr-2965	547	20	's	's	PART
cblr-2965	547	21	views	view	NOUN
cblr-2965	547	22	regarding	regard	VERB
cblr-2965	547	23	which	which	DET
cblr-2965	547	24	fund	fund	NOUN
cblr-2965	547	25	characteristics	characteristic	NOUN
cblr-2965	547	26	are	be	AUX
cblr-2965	547	27	relevant	relevant	ADJ
cblr-2965	547	28	to	to	ADP
cblr-2965	547	29	most	most	ADJ
cblr-2965	547	30	mutual	mutual	ADJ
cblr-2965	547	31	fund	fund	NOUN
cblr-2965	547	32	investors	investor	NOUN
cblr-2965	547	33	.	.	PUNCT
cblr-2965	548	1	these	these	DET
cblr-2965	548	2	views	view	NOUN
cblr-2965	548	3	largely	largely	ADV
cblr-2965	548	4	mirror	mirror	VERB
cblr-2965	548	5	those	those	PRON
cblr-2965	548	6	of	of	ADP
cblr-2965	548	7	the	the	DET
cblr-2965	548	8	ici	ici	NOUN
cblr-2965	548	9	.	.	PUNCT
cblr-2965	549	1	the	the	DET
cblr-2965	549	2	sec	sec	PROPN
cblr-2965	549	3	's	's	PART
cblr-2965	549	4	requirements	requirement	NOUN
cblr-2965	549	5	regarding	regard	VERB
cblr-2965	549	6	the	the	DET
cblr-2965	549	7	format	format	NOUN
cblr-2965	549	8	of	of	ADP
cblr-2965	549	9	the	the	DET
cblr-2965	549	10	information	information	NOUN
cblr-2965	549	11	also	also	ADV
cblr-2965	549	12	reflect	reflect	VERB
cblr-2965	549	13	the	the	DET
cblr-2965	549	14	sec	sec	PROPN
cblr-2965	549	15	's	's	PART
cblr-2965	549	16	belief	belief	NOUN
cblr-2965	549	17	,	,	PUNCT
cblr-2965	549	18	which	which	PRON
cblr-2965	549	19	is	be	AUX
cblr-2965	549	20	shared	share	VERB
cblr-2965	549	21	by	by	ADP
cblr-2965	549	22	the	the	DET
cblr-2965	549	23	ici	ici	NOUN
cblr-2965	549	24	,	,	PUNCT
cblr-2965	549	25	that	that	SCONJ
cblr-2965	549	26	how	how	SCONJ
cblr-2965	549	27	the	the	DET
cblr-2965	549	28	information	information	NOUN
cblr-2965	549	29	is	be	AUX
cblr-2965	549	30	presented	present	VERB
cblr-2965	549	31	affects	affect	VERB
cblr-2965	549	32	whether	whether	SCONJ
cblr-2965	549	33	investors	investor	NOUN
cblr-2965	549	34	will	will	AUX
cblr-2965	549	35	read	read	VERB
cblr-2965	549	36	and	and	CCONJ
cblr-2965	549	37	understand	understand	VERB
cblr-2965	549	38	it	it	PRON
cblr-2965	549	39	.	.	PUNCT
cblr-2965	550	1	nonetheless	nonetheless	ADV
cblr-2965	550	2	,	,	PUNCT
cblr-2965	550	3	despite	despite	SCONJ
cblr-2965	550	4	its	its	PRON
cblr-2965	550	5	awareness	awareness	NOUN
cblr-2965	550	6	of	of	ADP
cblr-2965	550	7	investors	investor	NOUN
cblr-2965	550	8	'	'	PART
cblr-2965	550	9	difficulties	difficulty	NOUN
cblr-2965	550	10	in	in	ADP
cblr-2965	550	11	processing	processing	NOUN
cblr-2965	550	12	information	information	NOUN
cblr-2965	550	13	,	,	PUNCT
cblr-2965	550	14	the	the	DET
cblr-2965	550	15	sec	sec	PROPN
cblr-2965	550	16	has	have	AUX
cblr-2965	550	17	not	not	PART
cblr-2965	550	18	ensured	ensure	VERB
cblr-2965	550	19	that	that	SCONJ
cblr-2965	550	20	it	it	PRON
cblr-2965	550	21	is	be	AUX
cblr-2965	550	22	really	really	ADV
cblr-2965	550	23	helping	help	VERB
cblr-2965	550	24	investors	investor	NOUN
cblr-2965	550	25	understand	understand	VERB
cblr-2965	550	26	their	their	PRON
cblr-2965	550	27	fund	fund	NOUN
cblr-2965	550	28	investment	investment	NOUN
cblr-2965	550	29	choices	choice	NOUN
cblr-2965	550	30	.	.	PUNCT
cblr-2965	551	1	in	in	ADP
cblr-2965	551	2	the	the	DET
cblr-2965	551	3	1998	1998	NUM
cblr-2965	551	4	prospectus	prospectus	NOUN
cblr-2965	551	5	disclosure	disclosure	NOUN
cblr-2965	551	6	rulemaking	rulemaking	NOUN
cblr-2965	551	7	,	,	PUNCT
cblr-2965	551	8	the	the	DET
cblr-2965	551	9	sec	sec	PROPN
cblr-2965	551	10	acknowledged	acknowledge	VERB
cblr-2965	551	11	that	that	SCONJ
cblr-2965	551	12	an	an	DET
cblr-2965	551	13	ici	ici	NOUN
cblr-2965	551	14	survey	survey	NOUN
cblr-2965	551	15	found	find	VERB
cblr-2965	551	16	that	that	SCONJ
cblr-2965	551	17	about	about	ADP
cblr-2965	551	18	half	half	NOUN
cblr-2965	551	19	of	of	ADP
cblr-2965	551	20	fund	fund	NOUN
cblr-2965	551	21	investors	investor	NOUN
cblr-2965	551	22	do	do	AUX
cblr-2965	551	23	not	not	PART
cblr-2965	551	24	read	read	VERB
cblr-2965	551	25	a	a	DET
cblr-2965	551	26	fund	fund	NOUN
cblr-2965	551	27	's	's	PART
cblr-2965	551	28	prospectus	prospectus	NOUN
cblr-2965	551	29	before	before	ADP
cblr-2965	551	30	investing,122	investing,122	PROPN
cblr-2965	551	31	but	but	CCONJ
cblr-2965	551	32	the	the	DET
cblr-2965	551	33	sec	sec	PROPN
cblr-2965	551	34	has	have	AUX
cblr-2965	551	35	not	not	PART
cblr-2965	551	36	conducted	conduct	VERB
cblr-2965	551	37	a	a	DET
cblr-2965	551	38	follow	follow	VERB
cblr-2965	551	39	-	-	PUNCT
cblr-2965	551	40	up	up	ADP
cblr-2965	551	41	study	study	NOUN
cblr-2965	551	42	on	on	ADP
cblr-2965	551	43	whether	whether	SCONJ
cblr-2965	551	44	fund	fund	NOUN
cblr-2965	551	45	investors	investor	NOUN
cblr-2965	551	46	are	be	AUX
cblr-2965	551	47	reading	read	VERB
cblr-2965	551	48	or	or	CCONJ
cblr-2965	551	49	understanding	understand	VERB
cblr-2965	551	50	the	the	DET
cblr-2965	551	51	new	new	ADJ
cblr-2965	551	52	streamlined	streamlined	ADJ
cblr-2965	551	53	prospectuses	prospectus	NOUN
cblr-2965	551	54	.	.	PUNCT
cblr-2965	552	1	b.	b.	PROPN
cblr-2965	552	2	sec	sec	PROPN
cblr-2965	552	3	regulation	regulation	NOUN
cblr-2965	552	4	of	of	ADP
cblr-2965	552	5	fund	fund	NOUN
cblr-2965	552	6	advertising	advertising	NOUN
cblr-2965	552	7	mutual	mutual	ADJ
cblr-2965	552	8	fund	fund	NOUN
cblr-2965	552	9	advertisements	advertisement	NOUN
cblr-2965	552	10	are	be	AUX
cblr-2965	552	11	also	also	ADV
cblr-2965	552	12	an	an	DET
cblr-2965	552	13	important	important	ADJ
cblr-2965	552	14	source	source	NOUN
cblr-2965	552	15	of	of	ADP
cblr-2965	552	16	information	information	NOUN
cblr-2965	552	17	for	for	ADP
cblr-2965	552	18	investors	investor	NOUN
cblr-2965	552	19	.	.	PUNCT
cblr-2965	553	1	in	in	ADP
cblr-2965	553	2	fact	fact	NOUN
cblr-2965	553	3	,	,	PUNCT
cblr-2965	553	4	investors	investor	NOUN
cblr-2965	553	5	invest	invest	VERB
cblr-2965	553	6	more	more	ADV
cblr-2965	553	7	in	in	ADP
cblr-2965	553	8	heavily	heavily	ADV
cblr-2965	553	9	advertised	advertise	VERB
cblr-2965	553	10	funds.123	funds.123	PROPN
cblr-2965	553	11	the	the	DET
cblr-2965	553	12	sec	sec	PROPN
cblr-2965	553	13	's	's	PART
cblr-2965	553	14	rules	rule	NOUN
cblr-2965	553	15	regarding	regard	VERB
cblr-2965	553	16	the	the	DET
cblr-2965	553	17	content	content	NOUN
cblr-2965	553	18	and	and	CCONJ
cblr-2965	553	19	form	form	NOUN
cblr-2965	553	20	of	of	ADP
cblr-2965	553	21	fund	fund	NOUN
cblr-2965	553	22	advertisements	advertisement	NOUN
cblr-2965	553	23	,	,	PUNCT
cblr-2965	553	24	like	like	ADP
cblr-2965	553	25	its	its	PRON
cblr-2965	553	26	rules	rule	NOUN
cblr-2965	553	27	regarding	regard	VERB
cblr-2965	553	28	prospectus	prospectus	NOUN
cblr-2965	553	29	and	and	CCONJ
cblr-2965	553	30	profile	profile	NOUN
cblr-2965	553	31	disclosures	disclosure	NOUN
cblr-2965	553	32	,	,	PUNCT
cblr-2965	553	33	reveal	reveal	VERB
cblr-2965	553	34	the	the	DET
cblr-2965	553	35	agency	agency	NOUN
cblr-2965	553	36	's	's	PART
cblr-2965	553	37	view	view	NOUN
cblr-2965	553	38	of	of	ADP
cblr-2965	553	39	fund	fund	NOUN
cblr-2965	553	40	investors	investor	NOUN
cblr-2965	553	41	.	.	PUNCT
cblr-2965	554	1	1	1	X
cblr-2965	554	2	.	.	X
cblr-2965	554	3	required	require	VERB
cblr-2965	554	4	warnings	warning	NOUN
cblr-2965	554	5	one	one	NUM
cblr-2965	554	6	recurring	recur	VERB
cblr-2965	554	7	theme	theme	NOUN
cblr-2965	554	8	of	of	ADP
cblr-2965	554	9	the	the	DET
cblr-2965	554	10	advertising	advertising	NOUN
cblr-2965	554	11	rules	rule	NOUN
cblr-2965	554	12	is	be	AUX
cblr-2965	554	13	that	that	SCONJ
cblr-2965	554	14	investors	investor	NOUN
cblr-2965	554	15	must	must	AUX
cblr-2965	554	16	be	be	AUX
cblr-2965	554	17	reminded	remind	VERB
cblr-2965	554	18	to	to	PART
cblr-2965	554	19	pay	pay	VERB
cblr-2965	554	20	attention	attention	NOUN
cblr-2965	554	21	to	to	ADP
cblr-2965	554	22	certain	certain	ADJ
cblr-2965	554	23	important	important	ADJ
cblr-2965	554	24	information	information	NOUN
cblr-2965	554	25	when	when	SCONJ
cblr-2965	554	26	choosing	choose	VERB
cblr-2965	554	27	a	a	DET
cblr-2965	554	28	fund	fund	NOUN
cblr-2965	554	29	.	.	PUNCT
cblr-2965	555	1	to	to	PART
cblr-2965	555	2	keep	keep	VERB
cblr-2965	555	3	investors	investor	NOUN
cblr-2965	555	4	focused	focus	VERB
cblr-2965	555	5	,	,	PUNCT
cblr-2965	555	6	the	the	DET
cblr-2965	555	7	rules	rule	NOUN
cblr-2965	555	8	require	require	VERB
cblr-2965	555	9	that	that	SCONJ
cblr-2965	555	10	fund	fund	NOUN
cblr-2965	555	11	advertisements	advertisement	NOUN
cblr-2965	555	12	explicitly	explicitly	ADV
cblr-2965	555	13	advise	advise	VERB
cblr-2965	555	14	investors	investor	NOUN
cblr-2965	555	15	"	"	PUNCT
cblr-2965	555	16	to	to	PART
cblr-2965	555	17	consider	consider	VERB
cblr-2965	555	18	the	the	DET
cblr-2965	555	19	investment	investment	NOUN
cblr-2965	555	20	122	122	NUM
cblr-2965	555	21	registration	registration	NOUN
cblr-2965	555	22	form	form	NOUN
cblr-2965	555	23	used	use	VERB
cblr-2965	555	24	by	by	ADP
cblr-2965	555	25	open	open	ADJ
cblr-2965	555	26	-	-	PUNCT
cblr-2965	555	27	end	end	NOUN
cblr-2965	555	28	management	management	NOUN
cblr-2965	555	29	investment	investment	NOUN
cblr-2965	555	30	companies	company	NOUN
cblr-2965	555	31	,	,	PUNCT
cblr-2965	555	32	63	63	NUM
cblr-2965	555	33	fed	feed	VERB
cblr-2965	555	34	.	.	PUNCT
cblr-2965	556	1	reg	reg	PROPN
cblr-2965	556	2	.	.	PROPN
cblr-2965	557	1	13,916	13,916	NUM
cblr-2965	557	2	,	,	PUNCT
cblr-2965	557	3	13,917	13,917	NUM
cblr-2965	557	4	n.5	n.5	X
cblr-2965	557	5	.	.	PUNCT
cblr-2965	558	1	123	123	NUM
cblr-2965	558	2	see	see	VERB
cblr-2965	558	3	infra	infra	NOUN
cblr-2965	558	4	pp	pp	X
cblr-2965	558	5	.	.	PUNCT
cblr-2965	559	1	1003	1003	NUM
cblr-2965	559	2	-	-	SYM
cblr-2965	559	3	04	04	NUM
cblr-2965	559	4	.	.	PUNCT
cblr-2965	560	1	[	[	X
cblr-2965	560	2	vol	vol	NOUN
cblr-2965	560	3	.	.	PUNCT
cblr-2965	560	4	2008columbia	2008columbia	PROPN
cblr-2965	560	5	business	business	NOUN
cblr-2965	560	6	la	la	PROPN
cblr-2965	560	7	w	w	PROPN
cblr-2965	560	8	review	review	NOUN
cblr-2965	560	9	objectives	objective	NOUN
cblr-2965	560	10	,	,	PUNCT
cblr-2965	560	11	risks	risk	NOUN
cblr-2965	560	12	,	,	PUNCT
cblr-2965	560	13	and	and	CCONJ
cblr-2965	560	14	charges	charge	NOUN
cblr-2965	560	15	and	and	CCONJ
cblr-2965	560	16	expenses	expense	NOUN
cblr-2965	560	17	of	of	ADP
cblr-2965	560	18	the	the	DET
cblr-2965	560	19	investment	investment	NOUN
cblr-2965	560	20	company	company	NOUN
cblr-2965	560	21	carefully	carefully	ADV
cblr-2965	560	22	before	before	ADP
cblr-2965	560	23	investing	invest	VERB
cblr-2965	560	24	.	.	PUNCT
cblr-2965	560	25	"124	"124	PUNCT
cblr-2965	561	1	the	the	DET
cblr-2965	561	2	advertising	advertising	NOUN
cblr-2965	561	3	rules	rule	NOUN
cblr-2965	561	4	also	also	ADV
cblr-2965	561	5	acknowledge	acknowledge	VERB
cblr-2965	561	6	that	that	SCONJ
cblr-2965	561	7	investors	investor	NOUN
cblr-2965	561	8	often	often	ADV
cblr-2965	561	9	become	become	VERB
cblr-2965	561	10	mesmerized	mesmerize	VERB
cblr-2965	561	11	by	by	ADP
cblr-2965	561	12	past	past	ADJ
cblr-2965	561	13	performance	performance	NOUN
cblr-2965	561	14	.	.	PUNCT
cblr-2965	562	1	the	the	DET
cblr-2965	562	2	sec	sec	PROPN
cblr-2965	562	3	closely	closely	ADV
cblr-2965	562	4	regulates	regulate	VERB
cblr-2965	562	5	advertising	advertising	NOUN
cblr-2965	562	6	of	of	ADP
cblr-2965	562	7	past	past	ADJ
cblr-2965	562	8	returns	return	NOUN
cblr-2965	562	9	,	,	PUNCT
cblr-2965	562	10	which	which	DET
cblr-2965	562	11	mutual	mutual	ADJ
cblr-2965	562	12	funds	fund	NOUN
cblr-2965	562	13	with	with	ADP
cblr-2965	562	14	strong	strong	ADJ
cblr-2965	562	15	records	record	NOUN
cblr-2965	562	16	routinely	routinely	ADV
cblr-2965	562	17	tout	tout	ADV
cblr-2965	562	18	despite	despite	SCONJ
cblr-2965	562	19	little	little	ADJ
cblr-2965	562	20	evidence	evidence	NOUN
cblr-2965	562	21	that	that	SCONJ
cblr-2965	562	22	strong	strong	ADJ
cblr-2965	562	23	past	past	ADJ
cblr-2965	562	24	returns	return	NOUN
cblr-2965	562	25	predict	predict	VERB
cblr-2965	562	26	future	future	ADJ
cblr-2965	562	27	returns.25	returns.25	NOUN
cblr-2965	562	28	in	in	ADP
cblr-2965	562	29	2003	2003	NUM
cblr-2965	562	30	,	,	PUNCT
cblr-2965	562	31	the	the	DET
cblr-2965	562	32	sec	sec	PROPN
cblr-2965	562	33	amended	amend	VERB
cblr-2965	562	34	its	its	PRON
cblr-2965	562	35	rules	rule	NOUN
cblr-2965	562	36	governing	govern	VERB
cblr-2965	562	37	advertisements	advertisement	NOUN
cblr-2965	562	38	that	that	PRON
cblr-2965	562	39	contain	contain	VERB
cblr-2965	562	40	performance	performance	NOUN
cblr-2965	562	41	data	datum	NOUN
cblr-2965	562	42	.	.	PUNCT
cblr-2965	563	1	2	2	NUM
cblr-2965	563	2	the	the	DET
cblr-2965	563	3	sec	sec	PROPN
cblr-2965	563	4	explained	explain	VERB
cblr-2965	563	5	that	that	SCONJ
cblr-2965	563	6	the	the	DET
cblr-2965	563	7	amendments	amendment	NOUN
cblr-2965	563	8	"	"	PUNCT
cblr-2965	563	9	address	address	NOUN
cblr-2965	563	10	[	[	X
cblr-2965	563	11	]	]	X
cblr-2965	563	12	our	our	PRON
cblr-2965	563	13	concern	concern	NOUN
cblr-2965	563	14	that	that	SCONJ
cblr-2965	563	15	some	some	DET
cblr-2965	563	16	funds	fund	NOUN
cblr-2965	563	17	,	,	PUNCT
cblr-2965	563	18	when	when	SCONJ
cblr-2965	563	19	advertising	advertise	VERB
cblr-2965	563	20	their	their	PRON
cblr-2965	563	21	performance	performance	NOUN
cblr-2965	563	22	,	,	PUNCT
cblr-2965	563	23	may	may	AUX
cblr-2965	563	24	resort	resort	VERB
cblr-2965	563	25	to	to	ADP
cblr-2965	563	26	techniques	technique	NOUN
cblr-2965	563	27	that	that	PRON
cblr-2965	563	28	create	create	VERB
cblr-2965	563	29	unrealistic	unrealistic	ADJ
cblr-2965	563	30	investor	investor	NOUN
cblr-2965	563	31	expectations	expectation	NOUN
cblr-2965	563	32	or	or	CCONJ
cblr-2965	563	33	may	may	AUX
cblr-2965	563	34	mislead	mislead	VERB
cblr-2965	563	35	potential	potential	ADJ
cblr-2965	563	36	investors	investor	NOUN
cblr-2965	563	37	.	.	PUNCT
cblr-2965	564	1	these	these	DET
cblr-2965	564	2	concerns	concern	NOUN
cblr-2965	564	3	arose	arise	VERB
cblr-2965	564	4	during	during	ADP
cblr-2965	564	5	1999	1999	NUM
cblr-2965	564	6	and	and	CCONJ
cblr-2965	564	7	2000	2000	NUM
cblr-2965	564	8	when	when	SCONJ
cblr-2965	564	9	many	many	ADJ
cblr-2965	564	10	funds	fund	NOUN
cblr-2965	564	11	experienced	experience	VERB
cblr-2965	564	12	extraordinary	extraordinary	ADJ
cblr-2965	564	13	performance	performance	NOUN
cblr-2965	564	14	and	and	CCONJ
cblr-2965	564	15	engaged	engage	VERB
cblr-2965	564	16	in	in	ADP
cblr-2965	564	17	advertising	advertising	NOUN
cblr-2965	564	18	campaigns	campaign	NOUN
cblr-2965	564	19	focusing	focus	VERB
cblr-2965	564	20	on	on	ADP
cblr-2965	564	21	past	past	ADJ
cblr-2965	564	22	performance	performance	NOUN
cblr-2965	564	23	.	.	PUNCT
cblr-2965	564	24	"	"	PUNCT
cblr-2965	565	1	27	27	NUM
cblr-2965	565	2	the	the	DET
cblr-2965	565	3	sec	sec	PROPN
cblr-2965	565	4	mandates	mandate	NOUN
cblr-2965	565	5	boilerplate	boilerplate	VERB
cblr-2965	565	6	warnings	warning	NOUN
cblr-2965	565	7	in	in	ADP
cblr-2965	565	8	performance	performance	NOUN
cblr-2965	565	9	advertisements	advertisement	NOUN
cblr-2965	565	10	that	that	PRON
cblr-2965	565	11	high	high	ADJ
cblr-2965	565	12	past	past	ADJ
cblr-2965	565	13	returns	return	NOUN
cblr-2965	565	14	may	may	AUX
cblr-2965	565	15	not	not	PART
cblr-2965	565	16	continue	continue	VERB
cblr-2965	565	17	.	.	PUNCT
cblr-2965	566	1	in	in	ADP
cblr-2965	566	2	particular	particular	ADJ
cblr-2965	566	3	,	,	PUNCT
cblr-2965	566	4	the	the	DET
cblr-2965	566	5	advertisements	advertisement	NOUN
cblr-2965	566	6	must	must	AUX
cblr-2965	566	7	include	include	VERB
cblr-2965	566	8	a	a	DET
cblr-2965	566	9	legend	legend	NOUN
cblr-2965	566	10	stating	state	VERB
cblr-2965	566	11	that	that	SCONJ
cblr-2965	566	12	:	:	PUNCT
cblr-2965	566	13	past	past	ADJ
cblr-2965	566	14	performance	performance	NOUN
cblr-2965	566	15	does	do	AUX
cblr-2965	566	16	not	not	PART
cblr-2965	566	17	guarantee	guarantee	VERB
cblr-2965	566	18	future	future	ADJ
cblr-2965	566	19	results	result	NOUN
cblr-2965	566	20	;	;	PUNCT
cblr-2965	566	21	that	that	SCONJ
cblr-2965	566	22	the	the	DET
cblr-2965	566	23	investment	investment	NOUN
cblr-2965	566	24	return	return	NOUN
cblr-2965	566	25	and	and	CCONJ
cblr-2965	566	26	principal	principal	ADJ
cblr-2965	566	27	value	value	NOUN
cblr-2965	566	28	of	of	ADP
cblr-2965	566	29	an	an	DET
cblr-2965	566	30	investment	investment	NOUN
cblr-2965	566	31	will	will	AUX
cblr-2965	566	32	fluctuate	fluctuate	VERB
cblr-2965	566	33	so	so	SCONJ
cblr-2965	566	34	that	that	SCONJ
cblr-2965	566	35	an	an	DET
cblr-2965	566	36	investor	investor	NOUN
cblr-2965	566	37	's	's	PART
cblr-2965	566	38	shares	share	NOUN
cblr-2965	566	39	,	,	PUNCT
cblr-2965	566	40	when	when	SCONJ
cblr-2965	566	41	redeemed	redeem	VERB
cblr-2965	566	42	,	,	PUNCT
cblr-2965	566	43	may	may	AUX
cblr-2965	566	44	be	be	AUX
cblr-2965	566	45	worth	worth	ADJ
cblr-2965	566	46	more	more	ADV
cblr-2965	566	47	or	or	CCONJ
cblr-2965	566	48	less	less	ADJ
cblr-2965	566	49	than	than	ADP
cblr-2965	566	50	their	their	PRON
cblr-2965	566	51	original	original	ADJ
cblr-2965	566	52	cost	cost	NOUN
cblr-2965	566	53	;	;	PUNCT
cblr-2965	566	54	and	and	CCONJ
cblr-2965	566	55	that	that	DET
cblr-2965	566	56	current	current	ADJ
cblr-2965	566	57	performance	performance	NOUN
cblr-2965	566	58	may	may	AUX
cblr-2965	566	59	be	be	AUX
cblr-2965	566	60	lower	low	ADJ
cblr-2965	566	61	or	or	CCONJ
cblr-2965	566	62	higher	high	ADJ
cblr-2965	566	63	than	than	ADP
cblr-2965	566	64	the	the	DET
cblr-2965	566	65	performance	performance	NOUN
cblr-2965	566	66	data	data	VERB
cblr-2965	566	67	quoted.128	quoted.128	ADV
cblr-2965	566	68	24	24	NUM
cblr-2965	566	69	17	17	NUM
cblr-2965	566	70	c.f.r	c.f.r	NOUN
cblr-2965	566	71	.	.	PUNCT
cblr-2965	567	1	§	§	PROPN
cblr-2965	567	2	230.482(b)(1)(i	230.482(b)(1)(i	NUM
cblr-2965	567	3	)	)	PUNCT
cblr-2965	567	4	(	(	PUNCT
cblr-2965	567	5	2008	2008	NUM
cblr-2965	567	6	)	)	PUNCT
cblr-2965	567	7	.	.	PUNCT
cblr-2965	568	1	12	12	NUM
cblr-2965	568	2	'	'	PUNCT
cblr-2965	568	3	funds	fund	NOUN
cblr-2965	568	4	advertise	advertise	VERB
cblr-2965	568	5	strong	strong	ADJ
cblr-2965	568	6	past	past	ADJ
cblr-2965	568	7	returns	return	NOUN
cblr-2965	568	8	for	for	ADP
cblr-2965	568	9	good	good	ADJ
cblr-2965	568	10	reason	reason	NOUN
cblr-2965	568	11	:	:	PUNCT
cblr-2965	568	12	investors	investor	NOUN
cblr-2965	568	13	give	give	VERB
cblr-2965	568	14	great	great	ADJ
cblr-2965	568	15	weight	weight	NOUN
cblr-2965	568	16	to	to	ADP
cblr-2965	568	17	past	past	ADJ
cblr-2965	568	18	performance	performance	NOUN
cblr-2965	568	19	.	.	PUNCT
cblr-2965	569	1	see	see	VERB
cblr-2965	569	2	infra	infra	NOUN
cblr-2965	569	3	pp	pp	X
cblr-2965	569	4	.	.	PUNCT
cblr-2965	570	1	994	994	NUM
cblr-2965	570	2	-	-	SYM
cblr-2965	570	3	98	98	NUM
cblr-2965	570	4	.	.	PUNCT
cblr-2965	571	1	126	126	NUM
cblr-2965	571	2	the	the	DET
cblr-2965	571	3	amendments	amendment	NOUN
cblr-2965	571	4	were	be	AUX
cblr-2965	571	5	intended	intend	VERB
cblr-2965	571	6	to	to	PART
cblr-2965	571	7	ensure	ensure	VERB
cblr-2965	571	8	that	that	SCONJ
cblr-2965	571	9	performance	performance	NOUN
cblr-2965	571	10	advertisements	advertisement	NOUN
cblr-2965	571	11	contain	contain	VERB
cblr-2965	571	12	current	current	ADJ
cblr-2965	571	13	returns	return	NOUN
cblr-2965	571	14	data	datum	NOUN
cblr-2965	571	15	and	and	CCONJ
cblr-2965	571	16	that	that	DET
cblr-2965	571	17	fund	fund	NOUN
cblr-2965	571	18	advertisements	advertisement	NOUN
cblr-2965	571	19	include	include	VERB
cblr-2965	571	20	improved	improve	VERB
cblr-2965	571	21	narrative	narrative	ADJ
cblr-2965	571	22	information	information	NOUN
cblr-2965	571	23	and	and	CCONJ
cblr-2965	571	24	present	present	ADJ
cblr-2965	571	25	explanatory	explanatory	ADJ
cblr-2965	571	26	information	information	NOUN
cblr-2965	571	27	more	more	ADV
cblr-2965	571	28	prominently	prominently	ADV
cblr-2965	571	29	.	.	PUNCT
cblr-2965	572	1	see	see	VERB
cblr-2965	572	2	amendments	amendment	NOUN
cblr-2965	572	3	to	to	ADP
cblr-2965	572	4	investment	investment	NOUN
cblr-2965	572	5	company	company	NOUN
cblr-2965	572	6	advertising	advertising	NOUN
cblr-2965	572	7	rules	rule	NOUN
cblr-2965	572	8	,	,	PUNCT
cblr-2965	572	9	68	68	NUM
cblr-2965	572	10	fed	feed	VERB
cblr-2965	572	11	.	.	PUNCT
cblr-2965	573	1	reg	reg	PROPN
cblr-2965	573	2	.	.	PUNCT
cblr-2965	574	1	57,760	57,760	NUM
cblr-2965	574	2	,	,	PUNCT
cblr-2965	574	3	57,763	57,763	NUM
cblr-2965	574	4	.	.	PUNCT
cblr-2965	575	1	121	121	NUM
cblr-2965	576	1	i	i	PRON
cblr-2965	576	2	d.	d.	NOUN
cblr-2965	576	3	at	at	ADP
cblr-2965	576	4	57,760	57,760	NUM
cblr-2965	576	5	.	.	PUNCT
cblr-2965	577	1	128	128	NUM
cblr-2965	577	2	17	17	NUM
cblr-2965	577	3	c.f.r	c.f.r	NOUN
cblr-2965	577	4	.	.	PUNCT
cblr-2965	578	1	§	§	PROPN
cblr-2965	578	2	230.482(b)(3)(i	230.482(b)(3)(i	NUM
cblr-2965	578	3	)	)	PUNCT
cblr-2965	578	4	(	(	PUNCT
cblr-2965	578	5	2008	2008	NUM
cblr-2965	578	6	)	)	PUNCT
cblr-2965	578	7	.	.	PUNCT
cblr-2965	579	1	advertisements	advertisement	NOUN
cblr-2965	579	2	need	need	AUX
cblr-2965	579	3	not	not	PART
cblr-2965	579	4	use	use	VERB
cblr-2965	579	5	this	this	DET
cblr-2965	579	6	exact	exact	ADJ
cblr-2965	579	7	language	language	NOUN
cblr-2965	579	8	;	;	PUNCT
cblr-2965	579	9	any	any	DET
cblr-2965	579	10	wording	wording	NOUN
cblr-2965	579	11	that	that	PRON
cblr-2965	579	12	"	"	PUNCT
cblr-2965	579	13	clearly	clearly	ADV
cblr-2965	579	14	communicates	communicate	VERB
cblr-2965	579	15	"	"	PUNCT
cblr-2965	579	16	this	this	DET
cblr-2965	579	17	information	information	NOUN
cblr-2965	579	18	is	be	AUX
cblr-2965	579	19	sufficient	sufficient	ADJ
cblr-2965	579	20	.	.	PUNCT
cblr-2965	580	1	amendments	amendment	NOUN
cblr-2965	580	2	to	to	ADP
cblr-2965	580	3	investment	investment	NOUN
cblr-2965	580	4	company	company	NOUN
cblr-2965	580	5	advertising	advertising	NOUN
cblr-2965	580	6	rules	rule	NOUN
cblr-2965	580	7	,	,	PUNCT
cblr-2965	580	8	68	68	NUM
cblr-2965	580	9	fed	feed	VERB
cblr-2965	580	10	.	.	PUNCT
cblr-2965	581	1	reg	reg	PROPN
cblr-2965	581	2	.	.	PUNCT
cblr-2965	582	1	57,760	57,760	NUM
cblr-2965	582	2	,	,	PUNCT
cblr-2965	582	3	57,765	57,765	NUM
cblr-2965	582	4	.	.	PUNCT
cblr-2965	583	1	no	no	INTJ
cblr-2965	583	2	.	.	PUNCT
cblr-2965	584	1	3:934	3:934	X
cblr-2965	584	2	]	]	X
cblr-2965	584	3	mutual	mutual	ADJ
cblr-2965	584	4	fund	fund	NOUN
cblr-2965	584	5	investors	investors	PROPN
cblr-2965	584	6	columbia	columbia	PROPN
cblr-2965	584	7	business	business	PROPN
cblr-2965	584	8	la	la	PROPN
cblr-2965	584	9	w	w	PROPN
cblr-2965	584	10	review	review	PROPN
cblr-2965	584	11	2	2	NUM
cblr-2965	584	12	.	.	PUNCT
cblr-2965	584	13	standardized	standardized	ADJ
cblr-2965	584	14	performance	performance	NOUN
cblr-2965	584	15	data	datum	NOUN
cblr-2965	584	16	in	in	ADP
cblr-2965	584	17	addition	addition	NOUN
cblr-2965	584	18	to	to	ADP
cblr-2965	584	19	downplaying	downplay	VERB
cblr-2965	584	20	the	the	DET
cblr-2965	584	21	importance	importance	NOUN
cblr-2965	584	22	of	of	ADP
cblr-2965	584	23	past	past	ADJ
cblr-2965	584	24	performance	performance	NOUN
cblr-2965	584	25	,	,	PUNCT
cblr-2965	584	26	the	the	DET
cblr-2965	584	27	sec	sec	PROPN
cblr-2965	584	28	requires	require	VERB
cblr-2965	584	29	that	that	SCONJ
cblr-2965	584	30	any	any	DET
cblr-2965	584	31	performance	performance	NOUN
cblr-2965	584	32	information	information	NOUN
cblr-2965	584	33	in	in	ADP
cblr-2965	584	34	advertisements	advertisement	NOUN
cblr-2965	584	35	be	be	AUX
cblr-2965	584	36	largely	largely	ADV
cblr-2965	584	37	standardized	standardize	VERB
cblr-2965	584	38	.	.	PUNCT
cblr-2965	585	1	for	for	ADP
cblr-2965	585	2	example	example	NOUN
cblr-2965	585	3	,	,	PUNCT
cblr-2965	585	4	the	the	DET
cblr-2965	585	5	sec	sec	PROPN
cblr-2965	585	6	prescribes	prescribe	VERB
cblr-2965	585	7	how	how	SCONJ
cblr-2965	585	8	past	past	ADJ
cblr-2965	585	9	returns	return	NOUN
cblr-2965	585	10	must	must	AUX
cblr-2965	585	11	be	be	AUX
cblr-2965	585	12	calculated	calculate	VERB
cblr-2965	585	13	129	129	NUM
cblr-2965	585	14	and	and	CCONJ
cblr-2965	585	15	the	the	DET
cblr-2965	585	16	time	time	NOUN
cblr-2965	585	17	periods	period	VERB
cblr-2965	585	18	for	for	ADP
cblr-2965	585	19	which	which	PRON
cblr-2965	585	20	they	they	PRON
cblr-2965	585	21	must	must	AUX
cblr-2965	585	22	be	be	AUX
cblr-2965	585	23	reported.3	reported.3	PROPN
cblr-2965	585	24	°	°	NOUN
cblr-2965	585	25	in	in	ADP
cblr-2965	585	26	addition	addition	NOUN
cblr-2965	585	27	,	,	PUNCT
cblr-2965	585	28	the	the	DET
cblr-2965	585	29	advertisement	advertisement	NOUN
cblr-2965	585	30	must	must	AUX
cblr-2965	585	31	list	list	VERB
cblr-2965	585	32	"	"	PUNCT
cblr-2965	585	33	a	a	DET
cblr-2965	585	34	tollfree	tollfree	NOUN
cblr-2965	585	35	or	or	CCONJ
cblr-2965	585	36	collect	collect	VERB
cblr-2965	585	37	telephone	telephone	NOUN
cblr-2965	585	38	number	number	NOUN
cblr-2965	585	39	or	or	CCONJ
cblr-2965	585	40	a	a	DET
cblr-2965	585	41	website	website	NOUN
cblr-2965	585	42	where	where	SCONJ
cblr-2965	585	43	an	an	DET
cblr-2965	585	44	investor	investor	NOUN
cblr-2965	585	45	may	may	AUX
cblr-2965	585	46	obtain	obtain	VERB
cblr-2965	585	47	performance	performance	NOUN
cblr-2965	585	48	data	datum	NOUN
cblr-2965	585	49	current	current	ADJ
cblr-2965	585	50	to	to	ADP
cblr-2965	585	51	the	the	DET
cblr-2965	585	52	most	most	ADV
cblr-2965	585	53	recent	recent	ADJ
cblr-2965	585	54	month	month	NOUN
cblr-2965	585	55	-	-	PUNCT
cblr-2965	585	56	end	end	NOUN
cblr-2965	585	57	,	,	PUNCT
cblr-2965	585	58	unless	unless	SCONJ
cblr-2965	585	59	the	the	DET
cblr-2965	585	60	advertisement	advertisement	NOUN
cblr-2965	585	61	includes	include	VERB
cblr-2965	585	62	[	[	PUNCT
cblr-2965	585	63	this	this	DET
cblr-2965	585	64	information	information	NOUN
cblr-2965	585	65	]	]	PUNCT
cblr-2965	585	66	.	.	PUNCT
cblr-2965	586	1	"	"	PUNCT
cblr-2965	586	2	'	'	PUNCT
cblr-2965	586	3	3	3	NUM
cblr-2965	586	4	'	'	PUNCT
cblr-2965	586	5	these	these	DET
cblr-2965	586	6	regulations	regulation	NOUN
cblr-2965	586	7	are	be	AUX
cblr-2965	586	8	intended	intend	VERB
cblr-2965	586	9	to	to	PART
cblr-2965	586	10	ensure	ensure	VERB
cblr-2965	586	11	that	that	SCONJ
cblr-2965	586	12	advertised	advertise	VERB
cblr-2965	586	13	returns	return	NOUN
cblr-2965	586	14	fairly	fairly	ADV
cblr-2965	586	15	reflect	reflect	VERB
cblr-2965	586	16	funds	fund	NOUN
cblr-2965	586	17	'	'	PART
cblr-2965	586	18	true	true	ADJ
cblr-2965	586	19	historical	historical	ADJ
cblr-2965	586	20	returns	return	NOUN
cblr-2965	586	21	,	,	PUNCT
cblr-2965	586	22	and	and	CCONJ
cblr-2965	586	23	to	to	PART
cblr-2965	586	24	limit	limit	VERB
cblr-2965	586	25	the	the	DET
cblr-2965	586	26	ability	ability	NOUN
cblr-2965	586	27	of	of	ADP
cblr-2965	586	28	a	a	DET
cblr-2965	586	29	fund	fund	NOUN
cblr-2965	586	30	to	to	PART
cblr-2965	586	31	mislead	mislead	VERB
cblr-2965	586	32	investors	investor	NOUN
cblr-2965	586	33	by	by	ADP
cblr-2965	586	34	advertising	advertise	VERB
cblr-2965	586	35	its	its	PRON
cblr-2965	586	36	performance	performance	NOUN
cblr-2965	586	37	only	only	ADV
cblr-2965	586	38	for	for	ADP
cblr-2965	586	39	particular	particular	ADJ
cblr-2965	586	40	periods	period	NOUN
cblr-2965	586	41	in	in	ADP
cblr-2965	586	42	which	which	PRON
cblr-2965	586	43	the	the	DET
cblr-2965	586	44	fund	fund	NOUN
cblr-2965	586	45	performed	perform	VERB
cblr-2965	586	46	well	well	ADV
cblr-2965	586	47	.	.	PUNCT
cblr-2965	587	1	32	32	NUM
cblr-2965	588	1	in	in	ADP
cblr-2965	588	2	addition	addition	NOUN
cblr-2965	588	3	,	,	PUNCT
cblr-2965	588	4	by	by	ADP
cblr-2965	588	5	standardizing	standardize	VERB
cblr-2965	588	6	how	how	SCONJ
cblr-2965	588	7	returns	return	NOUN
cblr-2965	588	8	are	be	AUX
cblr-2965	588	9	calculated	calculate	VERB
cblr-2965	588	10	and	and	CCONJ
cblr-2965	588	11	the	the	DET
cblr-2965	588	12	time	time	NOUN
cblr-2965	588	13	periods	period	VERB
cblr-2965	588	14	for	for	ADP
cblr-2965	588	15	which	which	PRON
cblr-2965	588	16	they	they	PRON
cblr-2965	588	17	must	must	AUX
cblr-2965	588	18	be	be	AUX
cblr-2965	588	19	reported	report	VERB
cblr-2965	588	20	,	,	PUNCT
cblr-2965	588	21	these	these	DET
cblr-2965	588	22	regulations	regulation	NOUN
cblr-2965	588	23	facilitate	facilitate	VERB
cblr-2965	588	24	investor	investor	NOUN
cblr-2965	588	25	comparison	comparison	NOUN
cblr-2965	588	26	of	of	ADP
cblr-2965	588	27	different	different	ADJ
cblr-2965	588	28	funds	fund	NOUN
cblr-2965	588	29	'	'	PART
cblr-2965	588	30	returns	return	NOUN
cblr-2965	588	31	.	.	PUNCT
cblr-2965	589	1	33	33	NUM
cblr-2965	589	2	3	3	NUM
cblr-2965	589	3	.	.	PUNCT
cblr-2965	589	4	summary	summary	NOUN
cblr-2965	589	5	and	and	CCONJ
cblr-2965	589	6	analysis	analysis	NOUN
cblr-2965	589	7	the	the	DET
cblr-2965	589	8	sec	sec	PROPN
cblr-2965	589	9	's	's	PART
cblr-2965	589	10	regulation	regulation	NOUN
cblr-2965	589	11	of	of	ADP
cblr-2965	589	12	advertisements	advertisement	NOUN
cblr-2965	589	13	reflects	reflect	VERB
cblr-2965	589	14	misgivings	misgiving	NOUN
cblr-2965	589	15	about	about	ADP
cblr-2965	589	16	investor	investor	NOUN
cblr-2965	589	17	decision	decision	NOUN
cblr-2965	589	18	-	-	PUNCT
cblr-2965	589	19	making	making	NOUN
cblr-2965	589	20	.	.	PUNCT
cblr-2965	590	1	the	the	DET
cblr-2965	590	2	sec	sec	PROPN
cblr-2965	590	3	encourages	encourage	VERB
cblr-2965	590	4	investors	investor	NOUN
cblr-2965	590	5	to	to	PART
cblr-2965	590	6	pay	pay	VERB
cblr-2965	590	7	attention	attention	NOUN
cblr-2965	590	8	to	to	ADP
cblr-2965	590	9	certain	certain	ADJ
cblr-2965	590	10	key	key	ADJ
cblr-2965	590	11	fund	fund	NOUN
cblr-2965	590	12	characteristics	characteristic	NOUN
cblr-2965	590	13	,	,	PUNCT
cblr-2965	590	14	apparently	apparently	ADV
cblr-2965	590	15	worrying	worry	VERB
cblr-2965	590	16	that	that	SCONJ
cblr-2965	590	17	investors	investor	NOUN
cblr-2965	590	18	do	do	AUX
cblr-2965	590	19	not	not	PART
cblr-2965	590	20	do	do	VERB
cblr-2965	590	21	so	so	ADV
cblr-2965	590	22	.	.	PUNCT
cblr-2965	591	1	also	also	ADV
cblr-2965	591	2	,	,	PUNCT
cblr-2965	591	3	the	the	DET
cblr-2965	591	4	sec	sec	PROPN
cblr-2965	591	5	warns	warn	VERB
cblr-2965	591	6	investors	investor	NOUN
cblr-2965	591	7	not	not	PART
cblr-2965	591	8	to	to	PART
cblr-2965	591	9	overemphasize	overemphasize	VERB
cblr-2965	591	10	past	past	ADP
cblr-2965	591	11	performance	performance	NOUN
cblr-2965	591	12	,	,	PUNCT
cblr-2965	591	13	believing	believe	VERB
cblr-2965	591	14	that	that	SCONJ
cblr-2965	591	15	investors	investor	NOUN
cblr-2965	591	16	do	do	VERB
cblr-2965	591	17	so	so	ADV
cblr-2965	591	18	.	.	PUNCT
cblr-2965	592	1	curiously	curiously	ADV
cblr-2965	592	2	,	,	PUNCT
cblr-2965	592	3	129	129	NUM
cblr-2965	592	4	the	the	DET
cblr-2965	592	5	rules	rule	NOUN
cblr-2965	592	6	regarding	regard	VERB
cblr-2965	592	7	how	how	SCONJ
cblr-2965	592	8	to	to	PART
cblr-2965	592	9	calculate	calculate	VERB
cblr-2965	592	10	past	past	ADJ
cblr-2965	592	11	returns	return	NOUN
cblr-2965	592	12	in	in	ADP
cblr-2965	592	13	advertisements	advertisement	NOUN
cblr-2965	592	14	are	be	AUX
cblr-2965	592	15	identical	identical	ADJ
cblr-2965	592	16	to	to	ADP
cblr-2965	592	17	those	those	PRON
cblr-2965	592	18	regarding	regard	VERB
cblr-2965	592	19	how	how	SCONJ
cblr-2965	592	20	past	past	ADJ
cblr-2965	592	21	returns	return	NOUN
cblr-2965	592	22	must	must	AUX
cblr-2965	592	23	be	be	AUX
cblr-2965	592	24	calculated	calculate	VERB
cblr-2965	592	25	in	in	ADP
cblr-2965	592	26	the	the	DET
cblr-2965	592	27	prospectus	prospectus	NOUN
cblr-2965	592	28	.	.	PUNCT
cblr-2965	593	1	see	see	VERB
cblr-2965	593	2	17	17	NUM
cblr-2965	593	3	c.f.r	c.f.r	NOUN
cblr-2965	593	4	.	.	PUNCT
cblr-2965	594	1	§	§	PROPN
cblr-2965	594	2	230.482(d	230.482(d	PROPN
cblr-2965	594	3	)	)	PUNCT
cblr-2965	594	4	(	(	PUNCT
cblr-2965	594	5	2008	2008	NUM
cblr-2965	594	6	)	)	PUNCT
cblr-2965	594	7	.	.	PUNCT
cblr-2965	595	1	130	130	NUM
cblr-2965	595	2	the	the	DET
cblr-2965	595	3	advertisements	advertisement	NOUN
cblr-2965	595	4	must	must	AUX
cblr-2965	595	5	report	report	VERB
cblr-2965	595	6	annual	annual	ADJ
cblr-2965	595	7	returns	return	NOUN
cblr-2965	595	8	for	for	ADP
cblr-2965	595	9	one	one	NUM
cblr-2965	595	10	,	,	PUNCT
cblr-2965	595	11	five	five	NUM
cblr-2965	595	12	and	and	CCONJ
cblr-2965	595	13	ten	ten	NUM
cblr-2965	595	14	years	year	NOUN
cblr-2965	595	15	,	,	PUNCT
cblr-2965	595	16	current	current	ADJ
cblr-2965	595	17	to	to	ADP
cblr-2965	595	18	the	the	DET
cblr-2965	595	19	most	most	ADV
cblr-2965	595	20	recent	recent	ADJ
cblr-2965	595	21	quarter	quarter	NOUN
cblr-2965	595	22	.	.	PUNCT
cblr-2965	596	1	17	17	NUM
cblr-2965	596	2	c.f.r	c.f.r	NOUN
cblr-2965	596	3	.	.	PUNCT
cblr-2965	597	1	§	§	PROPN
cblr-2965	597	2	230.482(d)(3)-(4	230.482(d)(3)-(4	NUM
cblr-2965	597	3	)	)	PUNCT
cblr-2965	597	4	(	(	PUNCT
cblr-2965	597	5	2008	2008	NUM
cblr-2965	597	6	)	)	PUNCT
cblr-2965	597	7	.	.	PUNCT
cblr-2965	598	1	advertisements	advertisement	NOUN
cblr-2965	598	2	may	may	AUX
cblr-2965	598	3	also	also	ADV
cblr-2965	598	4	include	include	VERB
cblr-2965	598	5	other	other	ADJ
cblr-2965	598	6	historical	historical	ADJ
cblr-2965	598	7	return	return	NOUN
cblr-2965	598	8	measures	measure	NOUN
cblr-2965	598	9	,	,	PUNCT
cblr-2965	598	10	but	but	CCONJ
cblr-2965	598	11	these	these	DET
cblr-2965	598	12	other	other	ADJ
cblr-2965	598	13	measures	measure	NOUN
cblr-2965	598	14	may	may	AUX
cblr-2965	598	15	only	only	ADV
cblr-2965	598	16	supplement	supplement	VERB
cblr-2965	598	17	-	-	PUNCT
cblr-2965	598	18	not	not	PART
cblr-2965	598	19	replace	replace	NOUN
cblr-2965	598	20	-	-	PUNCT
cblr-2965	598	21	the	the	DET
cblr-2965	598	22	required	require	VERB
cblr-2965	598	23	measures	measure	NOUN
cblr-2965	598	24	.	.	PUNCT
cblr-2965	599	1	17	17	NUM
cblr-2965	599	2	c.f.r	c.f.r	NOUN
cblr-2965	599	3	.	.	PUNCT
cblr-2965	600	1	§	§	PROPN
cblr-2965	600	2	230.482(d)(5	230.482(d)(5	NUM
cblr-2965	600	3	)	)	PUNCT
cblr-2965	600	4	(	(	PUNCT
cblr-2965	600	5	2008	2008	NUM
cblr-2965	600	6	)	)	PUNCT
cblr-2965	600	7	.	.	PUNCT
cblr-2965	601	1	131	131	NUM
cblr-2965	601	2	17	17	NUM
cblr-2965	601	3	c.f.r	c.f.r	NOUN
cblr-2965	601	4	.	.	PUNCT
cblr-2965	602	1	§	§	PROPN
cblr-2965	602	2	230.482(b)(3)(i	230.482(b)(3)(i	NUM
cblr-2965	602	3	)	)	PUNCT
cblr-2965	602	4	(	(	PUNCT
cblr-2965	602	5	2008	2008	NUM
cblr-2965	602	6	)	)	PUNCT
cblr-2965	602	7	.	.	PUNCT
cblr-2965	603	1	131	131	NUM
cblr-2965	603	2	amendments	amendment	NOUN
cblr-2965	603	3	to	to	ADP
cblr-2965	603	4	investment	investment	NOUN
cblr-2965	603	5	company	company	NOUN
cblr-2965	603	6	advertising	advertising	NOUN
cblr-2965	603	7	rules	rule	NOUN
cblr-2965	603	8	,	,	PUNCT
cblr-2965	603	9	68	68	NUM
cblr-2965	603	10	fed	feed	VERB
cblr-2965	603	11	.	.	PUNCT
cblr-2965	604	1	reg	reg	PROPN
cblr-2965	604	2	.	.	PUNCT
cblr-2965	605	1	57,760	57,760	NUM
cblr-2965	605	2	,	,	PUNCT
cblr-2965	605	3	57,765	57,765	NUM
cblr-2965	605	4	(	(	PUNCT
cblr-2965	605	5	oct	oct	PROPN
cblr-2965	605	6	.	.	PROPN
cblr-2965	605	7	6	6	NUM
cblr-2965	605	8	,	,	PUNCT
cblr-2965	605	9	2003	2003	NUM
cblr-2965	605	10	)	)	PUNCT
cblr-2965	605	11	.	.	PUNCT
cblr-2965	606	1	1	1	NUM
cblr-2965	607	1	i	i	PRON
cblr-2965	607	2	d.	d.	NOUN
cblr-2965	607	3	at	at	ADP
cblr-2965	607	4	57,768	57,768	NUM
cblr-2965	607	5	.	.	PUNCT
cblr-2965	608	1	[	[	X
cblr-2965	608	2	vol	vol	NOUN
cblr-2965	608	3	.	.	PUNCT
cblr-2965	608	4	2008	2008	NUM
cblr-2965	608	5	however	however	ADV
cblr-2965	608	6	,	,	PUNCT
cblr-2965	608	7	the	the	DET
cblr-2965	608	8	sec	sec	PROPN
cblr-2965	608	9	then	then	ADV
cblr-2965	608	10	requires	require	VERB
cblr-2965	608	11	standardized	standardized	ADJ
cblr-2965	608	12	performance	performance	NOUN
cblr-2965	608	13	data	datum	NOUN
cblr-2965	608	14	,	,	PUNCT
cblr-2965	608	15	facilitating	facilitate	VERB
cblr-2965	608	16	investor	investor	NOUN
cblr-2965	608	17	comparison	comparison	NOUN
cblr-2965	608	18	of	of	ADP
cblr-2965	608	19	the	the	DET
cblr-2965	608	20	performance	performance	NOUN
cblr-2965	608	21	of	of	ADP
cblr-2965	608	22	different	different	ADJ
cblr-2965	608	23	funds	fund	NOUN
cblr-2965	608	24	.	.	PUNCT
cblr-2965	609	1	unlike	unlike	ADP
cblr-2965	609	2	its	its	PRON
cblr-2965	609	3	prospectus	prospectus	NOUN
cblr-2965	609	4	and	and	CCONJ
cblr-2965	609	5	profile	profile	NOUN
cblr-2965	609	6	regulations	regulation	NOUN
cblr-2965	609	7	,	,	PUNCT
cblr-2965	609	8	the	the	DET
cblr-2965	609	9	sec	sec	PROPN
cblr-2965	609	10	's	's	PART
cblr-2965	609	11	advertising	advertising	NOUN
cblr-2965	609	12	regulations	regulation	NOUN
cblr-2965	609	13	may	may	AUX
cblr-2965	609	14	not	not	PART
cblr-2965	609	15	reflect	reflect	VERB
cblr-2965	609	16	the	the	DET
cblr-2965	609	17	sec	sec	PROPN
cblr-2965	609	18	's	's	PART
cblr-2965	609	19	view	view	NOUN
cblr-2965	609	20	of	of	ADP
cblr-2965	609	21	the	the	DET
cblr-2965	609	22	"	"	PUNCT
cblr-2965	609	23	typical	typical	ADJ
cblr-2965	609	24	"	"	PUNCT
cblr-2965	609	25	or	or	CCONJ
cblr-2965	609	26	"	"	PUNCT
cblr-2965	609	27	average	average	ADJ
cblr-2965	609	28	"	"	PUNCT
cblr-2965	609	29	investor	investor	NOUN
cblr-2965	609	30	.	.	PUNCT
cblr-2965	610	1	unlike	unlike	ADP
cblr-2965	610	2	fund	fund	NOUN
cblr-2965	610	3	prospectuses	prospectus	NOUN
cblr-2965	610	4	and	and	CCONJ
cblr-2965	610	5	profiles	profile	NOUN
cblr-2965	610	6	,	,	PUNCT
cblr-2965	610	7	advertisements	advertisement	NOUN
cblr-2965	610	8	regularly	regularly	ADV
cblr-2965	610	9	reach	reach	VERB
cblr-2965	610	10	audiences	audience	NOUN
cblr-2965	610	11	that	that	PRON
cblr-2965	610	12	have	have	AUX
cblr-2965	610	13	not	not	PART
cblr-2965	610	14	requested	request	VERB
cblr-2965	610	15	information	information	NOUN
cblr-2965	610	16	about	about	ADP
cblr-2965	610	17	particular	particular	ADJ
cblr-2965	610	18	mutual	mutual	ADJ
cblr-2965	610	19	funds	fund	NOUN
cblr-2965	610	20	,	,	PUNCT
cblr-2965	610	21	and	and	CCONJ
cblr-2965	610	22	thus	thus	ADV
cblr-2965	610	23	may	may	AUX
cblr-2965	610	24	be	be	AUX
cblr-2965	610	25	less	less	ADV
cblr-2965	610	26	financially	financially	ADV
cblr-2965	610	27	sophisticated	sophisticated	ADJ
cblr-2965	610	28	than	than	ADP
cblr-2965	610	29	most	most	ADJ
cblr-2965	610	30	investors	investor	NOUN
cblr-2965	610	31	.	.	PUNCT
cblr-2965	611	1	as	as	ADP
cblr-2965	611	2	with	with	ADP
cblr-2965	611	3	its	its	PRON
cblr-2965	611	4	prospectus	prospectus	NOUN
cblr-2965	611	5	regulations	regulation	NOUN
cblr-2965	611	6	,	,	PUNCT
cblr-2965	611	7	the	the	DET
cblr-2965	611	8	sec	sec	PROPN
cblr-2965	611	9	's	's	PART
cblr-2965	611	10	advertising	advertising	NOUN
cblr-2965	611	11	regulations	regulation	NOUN
cblr-2965	611	12	are	be	AUX
cblr-2965	611	13	largely	largely	ADV
cblr-2965	611	14	based	base	VERB
cblr-2965	611	15	on	on	ADP
cblr-2965	611	16	the	the	DET
cblr-2965	611	17	agency	agency	NOUN
cblr-2965	611	18	's	's	PART
cblr-2965	611	19	unsupported	unsupported	ADJ
cblr-2965	611	20	perceptions	perception	NOUN
cblr-2965	611	21	of	of	ADP
cblr-2965	611	22	the	the	DET
cblr-2965	611	23	informational	informational	ADJ
cblr-2965	611	24	and	and	CCONJ
cblr-2965	611	25	cognitive	cognitive	ADJ
cblr-2965	611	26	needs	need	NOUN
cblr-2965	611	27	of	of	ADP
cblr-2965	611	28	fund	fund	NOUN
cblr-2965	611	29	investors	investor	NOUN
cblr-2965	611	30	.	.	PUNCT
cblr-2965	612	1	for	for	ADP
cblr-2965	612	2	example	example	NOUN
cblr-2965	612	3	,	,	PUNCT
cblr-2965	612	4	although	although	SCONJ
cblr-2965	612	5	the	the	DET
cblr-2965	612	6	sec	sec	PROPN
cblr-2965	612	7	requires	require	VERB
cblr-2965	612	8	advertisements	advertisement	NOUN
cblr-2965	612	9	to	to	PART
cblr-2965	612	10	warn	warn	VERB
cblr-2965	612	11	that	that	SCONJ
cblr-2965	612	12	past	past	ADJ
cblr-2965	612	13	returns	return	NOUN
cblr-2965	612	14	do	do	AUX
cblr-2965	612	15	not	not	PART
cblr-2965	612	16	guarantee	guarantee	VERB
cblr-2965	612	17	future	future	ADJ
cblr-2965	612	18	returns	return	NOUN
cblr-2965	612	19	,	,	PUNCT
cblr-2965	612	20	there	there	PRON
cblr-2965	612	21	is	be	VERB
cblr-2965	612	22	no	no	DET
cblr-2965	612	23	indication	indication	NOUN
cblr-2965	612	24	that	that	SCONJ
cblr-2965	612	25	the	the	DET
cblr-2965	612	26	sec	sec	PROPN
cblr-2965	612	27	has	have	AUX
cblr-2965	612	28	ever	ever	ADV
cblr-2965	612	29	examined	examine	VERB
cblr-2965	612	30	whether	whether	SCONJ
cblr-2965	612	31	these	these	DET
cblr-2965	612	32	warnings	warning	NOUN
cblr-2965	612	33	are	be	AUX
cblr-2965	612	34	effective	effective	ADJ
cblr-2965	612	35	.	.	PUNCT
cblr-2965	613	1	c.	c.	PROPN
cblr-2965	613	2	sec	sec	PROPN
cblr-2965	613	3	efforts	effort	NOUN
cblr-2965	613	4	to	to	PART
cblr-2965	613	5	educate	educate	VERB
cblr-2965	613	6	investors	investor	NOUN
cblr-2965	613	7	besides	besides	SCONJ
cblr-2965	613	8	requiring	require	VERB
cblr-2965	613	9	mutual	mutual	ADJ
cblr-2965	613	10	fund	fund	NOUN
cblr-2965	613	11	companies	company	NOUN
cblr-2965	613	12	to	to	PART
cblr-2965	613	13	provide	provide	VERB
cblr-2965	613	14	investors	investor	NOUN
cblr-2965	613	15	with	with	ADP
cblr-2965	613	16	certain	certain	ADJ
cblr-2965	613	17	information	information	NOUN
cblr-2965	613	18	and	and	CCONJ
cblr-2965	613	19	warnings	warning	NOUN
cblr-2965	613	20	in	in	ADP
cblr-2965	613	21	prospectuses	prospectus	NOUN
cblr-2965	613	22	,	,	PUNCT
cblr-2965	613	23	profiles	profile	NOUN
cblr-2965	613	24	,	,	PUNCT
cblr-2965	613	25	and	and	CCONJ
cblr-2965	613	26	advertisements	advertisement	NOUN
cblr-2965	613	27	,	,	PUNCT
cblr-2965	613	28	the	the	DET
cblr-2965	613	29	sec	sec	PROPN
cblr-2965	613	30	has	have	AUX
cblr-2965	613	31	also	also	ADV
cblr-2965	613	32	sought	seek	VERB
cblr-2965	613	33	to	to	PART
cblr-2965	613	34	directly	directly	ADV
cblr-2965	613	35	educate	educate	VERB
cblr-2965	613	36	fund	fund	NOUN
cblr-2965	613	37	investors	investor	NOUN
cblr-2965	613	38	.	.	PUNCT
cblr-2965	614	1	indeed	indeed	ADV
cblr-2965	614	2	,	,	PUNCT
cblr-2965	614	3	the	the	DET
cblr-2965	614	4	sec	sec	PROPN
cblr-2965	614	5	has	have	AUX
cblr-2965	614	6	acknowledged	acknowledge	VERB
cblr-2965	614	7	it	it	PRON
cblr-2965	614	8	has	have	VERB
cblr-2965	614	9	an	an	DET
cblr-2965	614	10	"	"	PUNCT
cblr-2965	614	11	important	important	ADJ
cblr-2965	614	12	"	"	PUNCT
cblr-2965	614	13	role	role	NOUN
cblr-2965	614	14	to	to	PART
cblr-2965	614	15	play	play	VERB
cblr-2965	614	16	in	in	ADP
cblr-2965	614	17	this	this	DET
cblr-2965	614	18	regard	regard	NOUN
cblr-2965	614	19	.	.	PUNCT
cblr-2965	614	20	'	'	PUNCT
cblr-2965	615	1	a	a	DET
cblr-2965	615	2	2000	2000	NUM
cblr-2965	615	3	study	study	NOUN
cblr-2965	615	4	by	by	ADP
cblr-2965	615	5	the	the	DET
cblr-2965	615	6	sec	sec	PROPN
cblr-2965	615	7	's	's	PART
cblr-2965	615	8	division	division	NOUN
cblr-2965	615	9	of	of	ADP
cblr-2965	615	10	investment	investment	NOUN
cblr-2965	615	11	management	management	NOUN
cblr-2965	615	12	called	call	VERB
cblr-2965	615	13	on	on	ADP
cblr-2965	615	14	the	the	DET
cblr-2965	615	15	commission	commission	NOUN
cblr-2965	615	16	to	to	PART
cblr-2965	615	17	continue	continue	VERB
cblr-2965	615	18	its	its	PRON
cblr-2965	615	19	program	program	NOUN
cblr-2965	615	20	to	to	PART
cblr-2965	615	21	improve	improve	VERB
cblr-2965	615	22	investor	investor	NOUN
cblr-2965	615	23	"	"	PUNCT
cblr-2965	615	24	financial	financial	ADJ
cblr-2965	615	25	literacy	literacy	NOUN
cblr-2965	615	26	"	"	PUNCT
cblr-2965	615	27	regarding	regard	VERB
cblr-2965	615	28	mutual	mutual	ADJ
cblr-2965	615	29	funds	fund	NOUN
cblr-2965	615	30	and	and	CCONJ
cblr-2965	615	31	their	their	PRON
cblr-2965	615	32	costs	cost	NOUN
cblr-2965	615	33	.	.	PUNCT
cblr-2965	616	1	3	3	NUM
cblr-2965	616	2	in	in	ADP
cblr-2965	616	3	addition	addition	NOUN
cblr-2965	616	4	,	,	PUNCT
cblr-2965	616	5	the	the	DET
cblr-2965	616	6	division	division	NOUN
cblr-2965	616	7	recommended	recommend	VERB
cblr-2965	616	8	that	that	SCONJ
cblr-2965	616	9	the	the	DET
cblr-2965	616	10	commission	commission	NOUN
cblr-2965	616	11	"	"	PUNCT
cblr-2965	616	12	develop	develop	VERB
cblr-2965	616	13	educational	educational	ADJ
cblr-2965	616	14	materials	material	NOUN
cblr-2965	616	15	"	"	PUNCT
cblr-2965	616	16	to	to	PART
cblr-2965	616	17	help	help	VERB
cblr-2965	616	18	investors	investor	NOUN
cblr-2965	616	19	understand	understand	VERB
cblr-2965	616	20	how	how	SCONJ
cblr-2965	616	21	to	to	PART
cblr-2965	616	22	use	use	VERB
cblr-2965	616	23	any	any	DET
cblr-2965	616	24	new	new	ADJ
cblr-2965	616	25	fee	fee	NOUN
cblr-2965	616	26	disclosures	disclosure	NOUN
cblr-2965	616	27	.	.	PUNCT
cblr-2965	617	1	36	36	NUM
cblr-2965	617	2	1	1	NUM
cblr-2965	617	3	.	.	PUNCT
cblr-2965	617	4	warnings	warning	NOUN
cblr-2965	617	5	about	about	ADP
cblr-2965	617	6	past	past	ADJ
cblr-2965	617	7	performance	performance	NOUN
cblr-2965	617	8	to	to	PART
cblr-2965	617	9	educate	educate	VERB
cblr-2965	617	10	investors	investor	NOUN
cblr-2965	617	11	,	,	PUNCT
cblr-2965	617	12	the	the	DET
cblr-2965	617	13	sec	sec	PROPN
cblr-2965	617	14	has	have	AUX
cblr-2965	617	15	developed	develop	VERB
cblr-2965	617	16	some	some	DET
cblr-2965	617	17	basic	basic	ADJ
cblr-2965	617	18	materials	material	NOUN
cblr-2965	617	19	in	in	ADP
cblr-2965	617	20	which	which	PRON
cblr-2965	617	21	the	the	DET
cblr-2965	617	22	agency	agency	NOUN
cblr-2965	617	23	implicitly	implicitly	ADV
cblr-2965	617	24	accepts	accept	VERB
cblr-2965	617	25	that	that	SCONJ
cblr-2965	617	26	mutual	mutual	ADJ
cblr-2965	617	27	13	13	NUM
cblr-2965	617	28	sec	sec	PROPN
cblr-2965	617	29	fee	fee	NOUN
cblr-2965	617	30	report	report	NOUN
cblr-2965	617	31	,	,	PUNCT
cblr-2965	617	32	supra	supra	PROPN
cblr-2965	617	33	note	note	NOUN
cblr-2965	617	34	106	106	NUM
cblr-2965	617	35	at	at	ADP
cblr-2965	617	36	§	§	PROPN
cblr-2965	617	37	iv(a)(1	iv(a)(1	NOUN
cblr-2965	617	38	)	)	PUNCT
cblr-2965	617	39	.	.	PUNCT
cblr-2965	618	1	135	135	NUM
cblr-2965	619	1	i	i	PRON
cblr-2965	619	2	d.	d.	PROPN
cblr-2965	619	3	136	136	NUM
cblr-2965	620	1	i	i	PRON
cblr-2965	620	2	d.	d.	VERB
cblr-2965	620	3	at	at	ADP
cblr-2965	620	4	§	§	PROPN
cblr-2965	620	5	i(b)(2)(a	i(b)(2)(a	PROPN
cblr-2965	620	6	)	)	PUNCT
cblr-2965	620	7	.	.	PUNCT
cblr-2965	621	1	no	no	INTJ
cblr-2965	621	2	.	.	PUNCT
cblr-2965	622	1	3:9341	3:9341	NUM
cblr-2965	622	2	mutual	mutual	ADJ
cblr-2965	622	3	fund	fund	NOUN
cblr-2965	622	4	investors	investor	NOUN
cblr-2965	622	5	fund	fund	VERB
cblr-2965	622	6	investors	investor	NOUN
cblr-2965	622	7	are	be	AUX
cblr-2965	622	8	prone	prone	ADJ
cblr-2965	622	9	to	to	ADP
cblr-2965	622	10	certain	certain	ADJ
cblr-2965	622	11	investing	investing	NOUN
cblr-2965	622	12	mistakes	mistake	NOUN
cblr-2965	622	13	.	.	PUNCT
cblr-2965	623	1	like	like	ADP
cblr-2965	623	2	the	the	DET
cblr-2965	623	3	advertising	advertising	NOUN
cblr-2965	623	4	regulations	regulation	NOUN
cblr-2965	623	5	,	,	PUNCT
cblr-2965	623	6	the	the	DET
cblr-2965	623	7	materials	material	NOUN
cblr-2965	623	8	reflect	reflect	VERB
cblr-2965	623	9	the	the	DET
cblr-2965	623	10	sec	sec	PROPN
cblr-2965	623	11	's	's	PART
cblr-2965	623	12	concern	concern	NOUN
cblr-2965	623	13	that	that	SCONJ
cblr-2965	623	14	investors	investor	NOUN
cblr-2965	623	15	overweight	overweight	VERB
cblr-2965	623	16	past	past	ADP
cblr-2965	623	17	fund	fund	NOUN
cblr-2965	623	18	returns	return	NOUN
cblr-2965	623	19	.	.	PUNCT
cblr-2965	624	1	a	a	DET
cblr-2965	624	2	document	document	NOUN
cblr-2965	624	3	on	on	ADP
cblr-2965	624	4	the	the	DET
cblr-2965	624	5	sec	sec	PROPN
cblr-2965	624	6	website	website	NOUN
cblr-2965	624	7	,	,	PUNCT
cblr-2965	624	8	invest	invest	VERB
cblr-2965	624	9	wisely	wisely	ADV
cblr-2965	624	10	:	:	PUNCT
cblr-2965	624	11	an	an	DET
cblr-2965	624	12	introduction	introduction	NOUN
cblr-2965	624	13	to	to	ADP
cblr-2965	624	14	mutual	mutual	ADJ
cblr-2965	624	15	funds	fund	NOUN
cblr-2965	624	16	,	,	PUNCT
cblr-2965	624	17	gives	give	VERB
cblr-2965	624	18	investors	investor	NOUN
cblr-2965	624	19	a	a	DET
cblr-2965	624	20	basic	basic	ADJ
cblr-2965	624	21	introduction	introduction	NOUN
cblr-2965	624	22	to	to	ADP
cblr-2965	624	23	mutual	mutual	ADJ
cblr-2965	624	24	funds	fund	NOUN
cblr-2965	624	25	and	and	CCONJ
cblr-2965	624	26	a	a	DET
cblr-2965	624	27	stern	stern	ADJ
cblr-2965	624	28	warning	warning	NOUN
cblr-2965	624	29	(	(	PUNCT
cblr-2965	624	30	in	in	ADP
cblr-2965	624	31	plain	plain	ADJ
cblr-2965	624	32	english	english	PROPN
cblr-2965	624	33	)	)	PUNCT
cblr-2965	624	34	against	against	ADP
cblr-2965	624	35	relying	rely	VERB
cblr-2965	624	36	on	on	ADP
cblr-2965	624	37	past	past	ADJ
cblr-2965	624	38	returns	return	NOUN
cblr-2965	624	39	:	:	PUNCT
cblr-2965	624	40	past	past	ADJ
cblr-2965	624	41	performance	performance	NOUN
cblr-2965	624	42	is	be	AUX
cblr-2965	624	43	not	not	PART
cblr-2965	624	44	a	a	DET
cblr-2965	624	45	reliable	reliable	ADJ
cblr-2965	624	46	indicator	indicator	NOUN
cblr-2965	624	47	of	of	ADP
cblr-2965	624	48	future	future	ADJ
cblr-2965	624	49	performance	performance	NOUN
cblr-2965	624	50	.	.	PUNCT
cblr-2965	625	1	so	so	ADV
cblr-2965	625	2	do	do	AUX
cblr-2965	625	3	n't	not	PART
cblr-2965	625	4	be	be	AUX
cblr-2965	625	5	dazzled	dazzle	VERB
cblr-2965	625	6	by	by	ADP
cblr-2965	625	7	last	last	ADJ
cblr-2965	625	8	year	year	NOUN
cblr-2965	625	9	's	's	PART
cblr-2965	625	10	high	high	ADJ
cblr-2965	625	11	returns	return	NOUN
cblr-2965	625	12	....	....	PUNCT
cblr-2965	626	1	a	a	DET
cblr-2965	626	2	fund	fund	NOUN
cblr-2965	626	3	's	's	PART
cblr-2965	626	4	past	past	ADJ
cblr-2965	626	5	performance	performance	NOUN
cblr-2965	626	6	is	be	AUX
cblr-2965	626	7	not	not	PART
cblr-2965	626	8	as	as	ADV
cblr-2965	626	9	important	important	ADJ
cblr-2965	626	10	as	as	SCONJ
cblr-2965	626	11	you	you	PRON
cblr-2965	626	12	might	might	AUX
cblr-2965	626	13	think	think	VERB
cblr-2965	626	14	.	.	PUNCT
cblr-2965	627	1	advertisements	advertisement	NOUN
cblr-2965	627	2	,	,	PUNCT
cblr-2965	627	3	rankings	ranking	NOUN
cblr-2965	627	4	,	,	PUNCT
cblr-2965	627	5	and	and	CCONJ
cblr-2965	627	6	ratings	rating	NOUN
cblr-2965	627	7	often	often	ADV
cblr-2965	627	8	emphasize	emphasize	VERB
cblr-2965	627	9	how	how	SCONJ
cblr-2965	627	10	well	well	ADV
cblr-2965	627	11	a	a	DET
cblr-2965	627	12	fund	fund	NOUN
cblr-2965	627	13	has	have	AUX
cblr-2965	627	14	performed	perform	VERB
cblr-2965	627	15	in	in	ADP
cblr-2965	627	16	the	the	DET
cblr-2965	627	17	past	past	NOUN
cblr-2965	627	18	.	.	PUNCT
cblr-2965	628	1	but	but	CCONJ
cblr-2965	628	2	studies	study	NOUN
cblr-2965	628	3	show	show	VERB
cblr-2965	628	4	that	that	SCONJ
cblr-2965	628	5	the	the	DET
cblr-2965	628	6	future	future	NOUN
cblr-2965	628	7	is	be	AUX
cblr-2965	628	8	often	often	ADV
cblr-2965	628	9	different	different	ADJ
cblr-2965	628	10	.	.	PUNCT
cblr-2965	629	1	this	this	DET
cblr-2965	629	2	year	year	NOUN
cblr-2965	629	3	's	's	PART
cblr-2965	629	4	"	"	PUNCT
cblr-2965	629	5	number	number	NOUN
cblr-2965	629	6	one	one	NUM
cblr-2965	629	7	"	"	PUNCT
cblr-2965	629	8	fund	fund	NOUN
cblr-2965	629	9	can	can	AUX
cblr-2965	629	10	easily	easily	ADV
cblr-2965	629	11	become	become	VERB
cblr-2965	629	12	next	next	ADJ
cblr-2965	629	13	year	year	NOUN
cblr-2965	629	14	's	's	PART
cblr-2965	629	15	below	below	ADP
cblr-2965	629	16	average	average	ADJ
cblr-2965	629	17	fund	fund	NOUN
cblr-2965	629	18	.	.	PUNCT
cblr-2965	630	1	137	137	NUM
cblr-2965	630	2	other	other	ADJ
cblr-2965	630	3	sec	sec	PROPN
cblr-2965	630	4	publications	publication	NOUN
cblr-2965	630	5	also	also	ADV
cblr-2965	630	6	make	make	VERB
cblr-2965	630	7	the	the	DET
cblr-2965	630	8	same	same	ADJ
cblr-2965	630	9	point	point	NOUN
cblr-2965	630	10	,	,	PUNCT
cblr-2965	630	11	but	but	CCONJ
cblr-2965	630	12	not	not	PART
cblr-2965	630	13	as	as	ADV
cblr-2965	630	14	strongly	strongly	ADV
cblr-2965	630	15	.	.	PUNCT
cblr-2965	631	1	for	for	ADP
cblr-2965	631	2	example	example	NOUN
cblr-2965	631	3	,	,	PUNCT
cblr-2965	631	4	another	another	DET
cblr-2965	631	5	document	document	NOUN
cblr-2965	631	6	on	on	ADP
cblr-2965	631	7	the	the	DET
cblr-2965	631	8	sec	sec	PROPN
cblr-2965	631	9	's	's	PART
cblr-2965	631	10	website	website	NOUN
cblr-2965	631	11	,	,	PUNCT
cblr-2965	631	12	mutual	mutual	ADJ
cblr-2965	631	13	fund	fund	NOUN
cblr-2965	631	14	investing	investing	NOUN
cblr-2965	631	15	:	:	PUNCT
cblr-2965	631	16	look	look	VERB
cblr-2965	631	17	at	at	ADP
cblr-2965	631	18	more	more	ADJ
cblr-2965	631	19	than	than	ADP
cblr-2965	631	20	a	a	DET
cblr-2965	631	21	fund	fund	NOUN
cblr-2965	631	22	's	's	PART
cblr-2965	631	23	past	past	ADJ
cblr-2965	631	24	performance	performance	NOUN
cblr-2965	631	25	,	,	PUNCT
cblr-2965	631	26	warns	warn	VERB
cblr-2965	631	27	investors	investor	NOUN
cblr-2965	631	28	:	:	PUNCT
cblr-2965	631	29	you	you	PRON
cblr-2965	631	30	ca	can	AUX
cblr-2965	631	31	n't	not	PART
cblr-2965	631	32	open	open	VERB
cblr-2965	631	33	a	a	DET
cblr-2965	631	34	newspaper	newspaper	NOUN
cblr-2965	631	35	or	or	CCONJ
cblr-2965	631	36	read	read	VERB
cblr-2965	631	37	a	a	DET
cblr-2965	631	38	magazine	magazine	NOUN
cblr-2965	631	39	without	without	ADP
cblr-2965	631	40	seeing	see	VERB
cblr-2965	631	41	ads	ad	NOUN
cblr-2965	631	42	promoting	promote	VERB
cblr-2965	631	43	the	the	DET
cblr-2965	631	44	stellar	stellar	ADJ
cblr-2965	631	45	performance	performance	NOUN
cblr-2965	631	46	of	of	ADP
cblr-2965	631	47	"	"	PUNCT
cblr-2965	631	48	hot	hot	ADJ
cblr-2965	631	49	"	"	PUNCT
cblr-2965	631	50	mutual	mutual	ADJ
cblr-2965	631	51	funds	fund	NOUN
cblr-2965	631	52	.	.	PUNCT
cblr-2965	632	1	but	but	CCONJ
cblr-2965	632	2	past	past	ADJ
cblr-2965	632	3	performance	performance	NOUN
cblr-2965	632	4	is	be	AUX
cblr-2965	632	5	not	not	PART
cblr-2965	632	6	as	as	ADV
cblr-2965	632	7	important	important	ADJ
cblr-2965	632	8	as	as	SCONJ
cblr-2965	632	9	you	you	PRON
cblr-2965	632	10	may	may	AUX
cblr-2965	632	11	think	think	VERB
cblr-2965	632	12	,	,	PUNCT
cblr-2965	632	13	especially	especially	ADV
cblr-2965	632	14	the	the	DET
cblr-2965	632	15	shortterm	shortterm	NOUN
cblr-2965	632	16	performance	performance	NOUN
cblr-2965	632	17	of	of	ADP
cblr-2965	632	18	relatively	relatively	ADV
cblr-2965	632	19	new	new	ADJ
cblr-2965	632	20	or	or	CCONJ
cblr-2965	632	21	small	small	ADJ
cblr-2965	632	22	funds	fund	NOUN
cblr-2965	632	23	.	.	PUNCT
cblr-2965	633	1	as	as	ADP
cblr-2965	633	2	with	with	ADP
cblr-2965	633	3	any	any	DET
cblr-2965	633	4	investment	investment	NOUN
cblr-2965	633	5	,	,	PUNCT
cblr-2965	633	6	a	a	DET
cblr-2965	633	7	fund	fund	NOUN
cblr-2965	633	8	's	's	PART
cblr-2965	633	9	past	past	ADJ
cblr-2965	633	10	performance	performance	NOUN
cblr-2965	633	11	is	be	AUX
cblr-2965	633	12	no	no	DET
cblr-2965	633	13	guarantee	guarantee	NOUN
cblr-2965	633	14	of	of	ADP
cblr-2965	633	15	its	its	PRON
cblr-2965	633	16	future	future	ADJ
cblr-2965	633	17	success	success	NOUN
cblr-2965	633	18	.	.	PUNCT
cblr-2965	634	1	over	over	ADP
cblr-2965	634	2	the	the	DET
cblr-2965	634	3	longterm	longterm	NOUN
cblr-2965	634	4	,	,	PUNCT
cblr-2965	634	5	the	the	DET
cblr-2965	634	6	success	success	NOUN
cblr-2965	634	7	(	(	PUNCT
cblr-2965	634	8	or	or	CCONJ
cblr-2965	634	9	failure	failure	NOUN
cblr-2965	634	10	)	)	PUNCT
cblr-2965	634	11	of	of	ADP
cblr-2965	634	12	your	your	PRON
cblr-2965	634	13	investment	investment	NOUN
cblr-2965	634	14	in	in	ADP
cblr-2965	634	15	a	a	DET
cblr-2965	634	16	fund	fund	NOUN
cblr-2965	634	17	also	also	ADV
cblr-2965	634	18	will	will	AUX
cblr-2965	634	19	depend	depend	VERB
cblr-2965	634	20	on	on	ADP
cblr-2965	634	21	[	[	X
cblr-2965	634	22	other	other	ADJ
cblr-2965	634	23	]	]	PUNCT
cblr-2965	634	24	factors	factor	NOUN
cblr-2965	634	25	....	....	PUNCT
cblr-2965	635	1	so	so	ADV
cblr-2965	635	2	,	,	PUNCT
cblr-2965	635	3	look	look	VERB
cblr-2965	635	4	at	at	ADP
cblr-2965	635	5	more	more	ADJ
cblr-2965	635	6	than	than	ADP
cblr-2965	635	7	the	the	DET
cblr-2965	635	8	fund	fund	NOUN
cblr-2965	635	9	's	's	PART
cblr-2965	635	10	past	past	ADJ
cblr-2965	635	11	performance	performance	NOUN
cblr-2965	635	12	when	when	SCONJ
cblr-2965	635	13	making	make	VERB
cblr-2965	635	14	your	your	PRON
cblr-2965	635	15	investment	investment	NOUN
cblr-2965	635	16	decisions	decision	NOUN
cblr-2965	635	17	.	.	PUNCT
cblr-2965	636	1	138	138	NUM
cblr-2965	636	2	2	2	NUM
cblr-2965	636	3	.	.	PUNCT
cblr-2965	636	4	warnings	warning	NOUN
cblr-2965	636	5	about	about	ADP
cblr-2965	636	6	fees	fee	NOUN
cblr-2965	636	7	and	and	CCONJ
cblr-2965	636	8	expenses	expense	NOUN
cblr-2965	636	9	the	the	DET
cblr-2965	636	10	sec	sec	PROPN
cblr-2965	636	11	's	's	PART
cblr-2965	636	12	educational	educational	ADJ
cblr-2965	636	13	materials	material	NOUN
cblr-2965	636	14	also	also	ADV
cblr-2965	636	15	indicate	indicate	VERB
cblr-2965	636	16	concern	concern	NOUN
cblr-2965	636	17	that	that	SCONJ
cblr-2965	636	18	some	some	DET
cblr-2965	636	19	investors	investor	NOUN
cblr-2965	636	20	do	do	AUX
cblr-2965	636	21	not	not	PART
cblr-2965	636	22	pay	pay	VERB
cblr-2965	636	23	enough	enough	ADJ
cblr-2965	636	24	attention	attention	NOUN
cblr-2965	636	25	to	to	ADP
cblr-2965	636	26	fund	fund	NOUN
cblr-2965	636	27	fees	fee	NOUN
cblr-2965	636	28	'	'	PART
cblr-2965	636	29	sec	sec	PROPN
cblr-2965	636	30	,	,	PUNCT
cblr-2965	636	31	invest	invest	VERB
cblr-2965	636	32	wisely	wisely	ADV
cblr-2965	636	33	,	,	PUNCT
cblr-2965	636	34	supra	supra	ADJ
cblr-2965	636	35	note	note	NOUN
cblr-2965	636	36	1	1	NUM
cblr-2965	636	37	.	.	SYM
cblr-2965	636	38	13	13	NUM
cblr-2965	636	39	sec	sec	PROPN
cblr-2965	636	40	,	,	PUNCT
cblr-2965	636	41	mutual	mutual	ADJ
cblr-2965	636	42	fund	fund	NOUN
cblr-2965	636	43	investing	investing	NOUN
cblr-2965	636	44	:	:	PUNCT
cblr-2965	636	45	look	look	VERB
cblr-2965	636	46	at	at	ADP
cblr-2965	636	47	more	more	ADJ
cblr-2965	636	48	than	than	ADP
cblr-2965	636	49	a	a	DET
cblr-2965	636	50	fund	fund	NOUN
cblr-2965	636	51	's	's	PART
cblr-2965	636	52	past	past	ADJ
cblr-2965	636	53	performance	performance	NOUN
cblr-2965	636	54	,	,	PUNCT
cblr-2965	636	55	http://sec.gov/investor/	http://sec.gov/investor/	PROPN
cblr-2965	636	56	pubs	pub	VERB
cblr-2965	636	57	/	/	SYM
cblr-2965	636	58	mfperform.htm	mfperform.htm	X
cblr-2965	636	59	(	(	PUNCT
cblr-2965	636	60	last	last	ADV
cblr-2965	636	61	visited	visit	VERB
cblr-2965	636	62	dec	dec	PROPN
cblr-2965	636	63	.	.	PROPN
cblr-2965	636	64	3	3	NUM
cblr-2965	636	65	,	,	PUNCT
cblr-2965	636	66	2008	2008	NUM
cblr-2965	636	67	)	)	PUNCT
cblr-2965	637	1	[	[	X
cblr-2965	637	2	hereinafter	hereinafter	NOUN
cblr-2965	637	3	sec	sec	PROPN
cblr-2965	637	4	,	,	PUNCT
cblr-2965	637	5	look	look	VERB
cblr-2965	637	6	at	at	ADP
cblr-2965	637	7	more	more	ADJ
cblr-2965	637	8	]	]	PUNCT
cblr-2965	637	9	.	.	PUNCT
cblr-2965	638	1	col	col	PROPN
cblr-2965	638	2	umbia	umbia	PROPN
cblr-2965	638	3	b	b	PROPN
cblr-2965	638	4	usiness	usiness	PROPN
cblr-2965	638	5	la	la	PROPN
cblr-2965	638	6	w	w	PROPN
cblr-2965	638	7	re	re	PROPN
cblr-2965	638	8	vie	vie	PROPN
cblr-2965	638	9	w	w	PROPN
cblr-2965	639	1	[	[	X
cblr-2965	639	2	vol	vol	NOUN
cblr-2965	639	3	.	.	NOUN
cblr-2965	639	4	2008	2008	NUM
cblr-2965	639	5	mutual	mutual	ADJ
cblr-2965	639	6	fund	fund	NOUN
cblr-2965	639	7	investors	investor	NOUN
cblr-2965	639	8	and	and	CCONJ
cblr-2965	639	9	expenses	expense	NOUN
cblr-2965	639	10	.	.	PUNCT
cblr-2965	640	1	the	the	DET
cblr-2965	640	2	materials	material	NOUN
cblr-2965	640	3	encourage	encourage	VERB
cblr-2965	640	4	investors	investor	NOUN
cblr-2965	640	5	who	who	PRON
cblr-2965	640	6	are	be	AUX
cblr-2965	640	7	choosing	choose	VERB
cblr-2965	640	8	a	a	DET
cblr-2965	640	9	mutual	mutual	ADJ
cblr-2965	640	10	fund	fund	NOUN
cblr-2965	640	11	to	to	PART
cblr-2965	640	12	give	give	VERB
cblr-2965	640	13	significant	significant	ADJ
cblr-2965	640	14	weight	weight	NOUN
cblr-2965	640	15	to	to	ADP
cblr-2965	640	16	costs	cost	NOUN
cblr-2965	640	17	.	.	PUNCT
cblr-2965	641	1	for	for	ADP
cblr-2965	641	2	example	example	NOUN
cblr-2965	641	3	,	,	PUNCT
cblr-2965	641	4	they	they	PRON
cblr-2965	641	5	describe	describe	VERB
cblr-2965	641	6	the	the	DET
cblr-2965	641	7	different	different	ADJ
cblr-2965	641	8	types	type	NOUN
cblr-2965	641	9	of	of	ADP
cblr-2965	641	10	fees	fee	NOUN
cblr-2965	641	11	and	and	CCONJ
cblr-2965	641	12	expenses	expense	NOUN
cblr-2965	641	13	,	,	PUNCT
cblr-2965	641	14	"	"	PUNCT
cblr-2965	641	15	'	'	PUNCT
cblr-2965	641	16	encourage	encourage	VERB
cblr-2965	641	17	investors	investor	NOUN
cblr-2965	641	18	to	to	PART
cblr-2965	641	19	"	"	PUNCT
cblr-2965	641	20	review	review	VERB
cblr-2965	641	21	carefully"14	carefully"14	NOUN
cblr-2965	641	22	°	°	PUNCT
cblr-2965	641	23	and	and	CCONJ
cblr-2965	641	24	"	"	PUNCT
cblr-2965	641	25	scrutinize"141	scrutinize"141	VERB
cblr-2965	641	26	the	the	DET
cblr-2965	641	27	fees	fee	NOUN
cblr-2965	641	28	and	and	CCONJ
cblr-2965	641	29	expenses	expense	NOUN
cblr-2965	641	30	charged	charge	VERB
cblr-2965	641	31	by	by	ADP
cblr-2965	641	32	funds	fund	NOUN
cblr-2965	641	33	they	they	PRON
cblr-2965	641	34	are	be	AUX
cblr-2965	641	35	considering	consider	VERB
cblr-2965	641	36	,	,	PUNCT
cblr-2965	641	37	and	and	CCONJ
cblr-2965	641	38	warn	warn	VERB
cblr-2965	641	39	investors	investor	NOUN
cblr-2965	641	40	that	that	SCONJ
cblr-2965	641	41	"	"	PUNCT
cblr-2965	641	42	[	[	PUNCT
cblr-2965	641	43	elven	elven	VERB
cblr-2965	641	44	small	small	ADJ
cblr-2965	641	45	differences	difference	NOUN
cblr-2965	641	46	in	in	ADP
cblr-2965	641	47	fees	fee	NOUN
cblr-2965	641	48	can	can	AUX
cblr-2965	641	49	translate	translate	VERB
cblr-2965	641	50	into	into	ADP
cblr-2965	641	51	large	large	ADJ
cblr-2965	641	52	differences	difference	NOUN
cblr-2965	641	53	in	in	ADP
cblr-2965	641	54	returns	return	NOUN
cblr-2965	641	55	over	over	ADP
cblr-2965	641	56	time	time	NOUN
cblr-2965	641	57	.	.	PUNCT
cblr-2965	642	1	"142	"142	PROPN
cblr-2965	642	2	to	to	PART
cblr-2965	642	3	make	make	VERB
cblr-2965	642	4	the	the	DET
cblr-2965	642	5	effect	effect	NOUN
cblr-2965	642	6	of	of	ADP
cblr-2965	642	7	costs	cost	NOUN
cblr-2965	642	8	more	more	ADJ
cblr-2965	642	9	concrete	concrete	ADJ
cblr-2965	642	10	,	,	PUNCT
cblr-2965	642	11	the	the	DET
cblr-2965	642	12	sec	sec	PROPN
cblr-2965	642	13	presents	present	VERB
cblr-2965	642	14	an	an	DET
cblr-2965	642	15	example	example	NOUN
cblr-2965	642	16	of	of	ADP
cblr-2965	642	17	the	the	DET
cblr-2965	642	18	effect	effect	NOUN
cblr-2965	642	19	over	over	ADP
cblr-2965	642	20	twenty	twenty	NUM
cblr-2965	642	21	years	year	NOUN
cblr-2965	642	22	of	of	ADP
cblr-2965	642	23	a	a	DET
cblr-2965	642	24	1	1	NUM
cblr-2965	642	25	%	%	NOUN
cblr-2965	642	26	annual	annual	ADJ
cblr-2965	642	27	difference	difference	NOUN
cblr-2965	642	28	in	in	ADP
cblr-2965	642	29	expenses	expense	NOUN
cblr-2965	642	30	on	on	ADP
cblr-2965	642	31	a	a	DET
cblr-2965	642	32	hypothetical	hypothetical	ADJ
cblr-2965	642	33	$	$	SYM
cblr-2965	642	34	10,000	10,000	NUM
cblr-2965	642	35	investment	investment	NOUN
cblr-2965	642	36	.	.	PUNCT
cblr-2965	643	1	'43	'43	NUM
cblr-2965	643	2	recall	recall	VERB
cblr-2965	643	3	that	that	SCONJ
cblr-2965	643	4	this	this	DET
cblr-2965	643	5	information	information	NOUN
cblr-2965	643	6	is	be	AUX
cblr-2965	643	7	not	not	PART
cblr-2965	643	8	required	require	VERB
cblr-2965	643	9	in	in	ADP
cblr-2965	643	10	fund	fund	NOUN
cblr-2965	643	11	prospectuses	prospectus	NOUN
cblr-2965	643	12	,	,	PUNCT
cblr-2965	643	13	profiles	profile	NOUN
cblr-2965	643	14	,	,	PUNCT
cblr-2965	643	15	or	or	CCONJ
cblr-2965	643	16	advertisements	advertisement	NOUN
cblr-2965	643	17	.	.	PUNCT
cblr-2965	644	1	in	in	ADP
cblr-2965	644	2	addition	addition	NOUN
cblr-2965	644	3	,	,	PUNCT
cblr-2965	644	4	to	to	PART
cblr-2965	644	5	help	help	VERB
cblr-2965	644	6	investors	investor	NOUN
cblr-2965	644	7	compare	compare	VERB
cblr-2965	644	8	the	the	DET
cblr-2965	644	9	costs	cost	NOUN
cblr-2965	644	10	of	of	ADP
cblr-2965	644	11	different	different	ADJ
cblr-2965	644	12	mutual	mutual	ADJ
cblr-2965	644	13	funds	fund	NOUN
cblr-2965	644	14	and	and	CCONJ
cblr-2965	644	15	understand	understand	VERB
cblr-2965	644	16	the	the	DET
cblr-2965	644	17	impact	impact	NOUN
cblr-2965	644	18	of	of	ADP
cblr-2965	644	19	costs	cost	NOUN
cblr-2965	644	20	over	over	ADP
cblr-2965	644	21	time	time	NOUN
cblr-2965	644	22	,	,	PUNCT
cblr-2965	644	23	the	the	DET
cblr-2965	644	24	sec	sec	PROPN
cblr-2965	644	25	website	website	NOUN
cblr-2965	644	26	contains	contain	VERB
cblr-2965	644	27	a	a	DET
cblr-2965	644	28	"	"	PUNCT
cblr-2965	644	29	mutual	mutual	ADJ
cblr-2965	644	30	fund	fund	NOUN
cblr-2965	644	31	cost	cost	NOUN
cblr-2965	644	32	calculator	calculator	NOUN
cblr-2965	644	33	"	"	PUNCT
cblr-2965	644	34	and	and	CCONJ
cblr-2965	644	35	a	a	DET
cblr-2965	644	36	link	link	NOUN
cblr-2965	644	37	to	to	ADP
cblr-2965	644	38	the	the	DET
cblr-2965	644	39	nasd	nasd	NOUN
cblr-2965	644	40	's	's	PART
cblr-2965	644	41	"	"	PUNCT
cblr-2965	644	42	mutual	mutual	ADJ
cblr-2965	644	43	fund	fund	NOUN
cblr-2965	644	44	expense	expense	NOUN
cblr-2965	644	45	analyzer	analyzer	NOUN
cblr-2965	644	46	.	.	PUNCT
cblr-2965	645	1	"	"	PUNCT
cblr-2965	645	2	'	'	PUNCT
cblr-2965	645	3	"	"	PUNCT
cblr-2965	645	4	again	again	ADV
cblr-2965	645	5	,	,	PUNCT
cblr-2965	645	6	neither	neither	PRON
cblr-2965	645	7	of	of	ADP
cblr-2965	645	8	these	these	DET
cblr-2965	645	9	tools	tool	NOUN
cblr-2965	645	10	is	be	AUX
cblr-2965	645	11	required	require	VERB
cblr-2965	645	12	to	to	PART
cblr-2965	645	13	be	be	AUX
cblr-2965	645	14	mentioned	mention	VERB
cblr-2965	645	15	in	in	ADP
cblr-2965	645	16	fund	fund	NOUN
cblr-2965	645	17	prospectuses	prospectus	NOUN
cblr-2965	645	18	,	,	PUNCT
cblr-2965	645	19	profiles	profile	NOUN
cblr-2965	645	20	,	,	PUNCT
cblr-2965	645	21	or	or	CCONJ
cblr-2965	645	22	advertisements	advertisement	NOUN
cblr-2965	645	23	.	.	PUNCT
cblr-2965	646	1	finally	finally	ADV
cblr-2965	646	2	,	,	PUNCT
cblr-2965	646	3	the	the	DET
cblr-2965	646	4	sec	sec	PROPN
cblr-2965	646	5	's	's	PART
cblr-2965	646	6	website	website	NOUN
cblr-2965	646	7	also	also	ADV
cblr-2965	646	8	encourages	encourage	VERB
cblr-2965	646	9	investors	investor	NOUN
cblr-2965	646	10	to	to	PART
cblr-2965	646	11	pay	pay	VERB
cblr-2965	646	12	attention	attention	NOUN
cblr-2965	646	13	to	to	ADP
cblr-2965	646	14	other	other	ADJ
cblr-2965	646	15	basic	basic	ADJ
cblr-2965	646	16	fund	fund	NOUN
cblr-2965	646	17	characteristics	characteristic	NOUN
cblr-2965	646	18	.	.	PUNCT
cblr-2965	647	1	for	for	ADP
cblr-2965	647	2	example	example	NOUN
cblr-2965	647	3	,	,	PUNCT
cblr-2965	647	4	it	it	PRON
cblr-2965	647	5	encourages	encourage	VERB
cblr-2965	647	6	investors	investor	NOUN
cblr-2965	647	7	to	to	PART
cblr-2965	647	8	consider	consider	VERB
cblr-2965	647	9	a	a	DET
cblr-2965	647	10	fund	fund	NOUN
cblr-2965	647	11	's	's	PART
cblr-2965	647	12	risks	risk	NOUN
cblr-2965	647	13	and	and	CCONJ
cblr-2965	647	14	investment	investment	NOUN
cblr-2965	647	15	strategy	strategy	NOUN
cblr-2965	647	16	,	,	PUNCT
cblr-2965	647	17	and	and	CCONJ
cblr-2965	647	18	how	how	SCONJ
cblr-2965	647	19	the	the	DET
cblr-2965	647	20	fund	fund	NOUN
cblr-2965	647	21	fits	fit	VERB
cblr-2965	647	22	with	with	ADP
cblr-2965	647	23	the	the	DET
cblr-2965	647	24	investor	investor	NOUN
cblr-2965	647	25	's	's	PART
cblr-2965	647	26	own	own	ADJ
cblr-2965	647	27	risk	risk	NOUN
cblr-2965	647	28	tolerance	tolerance	NOUN
cblr-2965	647	29	,	,	PUNCT
cblr-2965	647	30	long	long	ADJ
cblr-2965	647	31	-	-	PUNCT
cblr-2965	647	32	term	term	NOUN
cblr-2965	647	33	investment	investment	NOUN
cblr-2965	647	34	139	139	NUM
cblr-2965	647	35	sec	sec	PROPN
cblr-2965	647	36	,	,	PUNCT
cblr-2965	647	37	invest	invest	VERB
cblr-2965	647	38	wisely	wisely	ADV
cblr-2965	647	39	,	,	PUNCT
cblr-2965	647	40	supra	supra	ADJ
cblr-2965	647	41	note	note	NOUN
cblr-2965	647	42	1	1	NUM
cblr-2965	647	43	.	.	X
cblr-2965	647	44	140	140	NUM
cblr-2965	648	1	i	i	PROPN
cblr-2965	648	2	d.	d.	PROPN
cblr-2965	648	3	141	141	NUM
cblr-2965	648	4	sec	sec	PROPN
cblr-2965	648	5	,	,	PUNCT
cblr-2965	648	6	look	look	VERB
cblr-2965	648	7	at	at	ADP
cblr-2965	648	8	more	more	ADJ
cblr-2965	648	9	,	,	PUNCT
cblr-2965	648	10	supra	supra	ADJ
cblr-2965	648	11	note	note	PROPN
cblr-2965	648	12	138	138	NUM
cblr-2965	648	13	.	.	PROPN
cblr-2965	649	1	142	142	NUM
cblr-2965	649	2	sec	sec	PROPN
cblr-2965	649	3	,	,	PUNCT
cblr-2965	649	4	invest	invest	VERB
cblr-2965	649	5	wisely	wisely	ADV
cblr-2965	649	6	,	,	PUNCT
cblr-2965	649	7	supra	supra	ADJ
cblr-2965	649	8	note	note	NOUN
cblr-2965	649	9	1	1	NUM
cblr-2965	649	10	;	;	PUNCT
cblr-2965	649	11	see	see	VERB
cblr-2965	649	12	also	also	ADV
cblr-2965	649	13	sec	sec	PROPN
cblr-2965	649	14	.	.	PROPN
cblr-2965	649	15	and	and	CCONJ
cblr-2965	649	16	exch	exch	PROPN
cblr-2965	649	17	.	.	PUNCT
cblr-2965	650	1	comm'n	comm'n	VERB
cblr-2965	650	2	,	,	PUNCT
cblr-2965	650	3	calculating	calculate	VERB
cblr-2965	650	4	mutual	mutual	ADJ
cblr-2965	650	5	fund	fund	NOUN
cblr-2965	650	6	fees	fee	NOUN
cblr-2965	650	7	and	and	CCONJ
cblr-2965	650	8	expenses	expense	NOUN
cblr-2965	650	9	,	,	PUNCT
cblr-2965	650	10	http	http	CCONJ
cblr-2965	650	11	:	:	PUNCT
cblr-2965	650	12	ll	ll	NOUN
cblr-2965	650	13	sec.gov/investor/tools/mfcc/mfcc-int.htm	sec.gov/investor/tools/mfcc/mfcc-int.htm	NOUN
cblr-2965	650	14	(	(	PUNCT
cblr-2965	650	15	last	last	ADJ
cblr-2965	650	16	visited	visit	VERB
cblr-2965	650	17	dec	dec	PROPN
cblr-2965	650	18	.	.	PROPN
cblr-2965	650	19	3	3	NUM
cblr-2965	650	20	,	,	PUNCT
cblr-2965	650	21	2008	2008	NUM
cblr-2965	650	22	)	)	PUNCT
cblr-2965	651	1	[	[	X
cblr-2965	651	2	hereinafter	hereinafter	NOUN
cblr-2965	651	3	sec	sec	PROPN
cblr-2965	651	4	,	,	PUNCT
cblr-2965	651	5	calculating	calculate	VERB
cblr-2965	651	6	fees	fee	NOUN
cblr-2965	651	7	]	]	PUNCT
cblr-2965	651	8	(	(	PUNCT
cblr-2965	651	9	"	"	PUNCT
cblr-2965	651	10	fees	fee	NOUN
cblr-2965	651	11	and	and	CCONJ
cblr-2965	651	12	expenses	expense	NOUN
cblr-2965	651	13	are	be	AUX
cblr-2965	651	14	an	an	DET
cblr-2965	651	15	important	important	ADJ
cblr-2965	651	16	consideration	consideration	NOUN
cblr-2965	651	17	in	in	ADP
cblr-2965	651	18	selecting	select	VERB
cblr-2965	651	19	a	a	DET
cblr-2965	651	20	mutual	mutual	ADJ
cblr-2965	651	21	fund	fund	NOUN
cblr-2965	651	22	because	because	SCONJ
cblr-2965	651	23	these	these	DET
cblr-2965	651	24	charges	charge	NOUN
cblr-2965	651	25	lower	lower	VERB
cblr-2965	651	26	your	your	PRON
cblr-2965	651	27	returns	return	NOUN
cblr-2965	651	28	.	.	PUNCT
cblr-2965	652	1	"	"	PUNCT
cblr-2965	652	2	)	)	PUNCT
cblr-2965	652	3	;	;	PUNCT
cblr-2965	652	4	sec	sec	PROPN
cblr-2965	652	5	,	,	PUNCT
cblr-2965	652	6	invest	invest	VERB
cblr-2965	652	7	wisely	wisely	ADV
cblr-2965	652	8	,	,	PUNCT
cblr-2965	652	9	supra	supra	ADJ
cblr-2965	652	10	note	note	NOUN
cblr-2965	652	11	1	1	NUM
cblr-2965	652	12	(	(	PUNCT
cblr-2965	652	13	"	"	PUNCT
cblr-2965	652	14	it	it	PRON
cblr-2965	652	15	is	be	AUX
cblr-2965	652	16	important	important	ADJ
cblr-2965	652	17	that	that	SCONJ
cblr-2965	652	18	you	you	PRON
cblr-2965	652	19	understand	understand	VERB
cblr-2965	652	20	[	[	X
cblr-2965	652	21	mutual	mutual	ADJ
cblr-2965	652	22	fund	fund	NOUN
cblr-2965	652	23	fees	fee	NOUN
cblr-2965	652	24	and	and	CCONJ
cblr-2965	652	25	expenses	expense	NOUN
cblr-2965	652	26	]	]	PUNCT
cblr-2965	652	27	because	because	SCONJ
cblr-2965	652	28	they	they	PRON
cblr-2965	652	29	lower	lower	VERB
cblr-2965	652	30	your	your	PRON
cblr-2965	652	31	returns	return	NOUN
cblr-2965	652	32	.	.	PUNCT
cblr-2965	652	33	"	"	PUNCT
cblr-2965	652	34	)	)	PUNCT
cblr-2965	652	35	.	.	PUNCT
cblr-2965	653	1	141	141	NUM
cblr-2965	653	2	sec	sec	PROPN
cblr-2965	653	3	,	,	PUNCT
cblr-2965	653	4	invest	invest	VERB
cblr-2965	653	5	wisely	wisely	ADV
cblr-2965	653	6	,	,	PUNCT
cblr-2965	653	7	supra	supra	ADJ
cblr-2965	653	8	note	note	NOUN
cblr-2965	653	9	1	1	NUM
cblr-2965	653	10	(	(	PUNCT
cblr-2965	653	11	"	"	PUNCT
cblr-2965	653	12	for	for	ADP
cblr-2965	653	13	example	example	NOUN
cblr-2965	653	14	,	,	PUNCT
cblr-2965	653	15	if	if	SCONJ
cblr-2965	653	16	you	you	PRON
cblr-2965	653	17	invested	invest	VERB
cblr-2965	653	18	$	$	SYM
cblr-2965	653	19	10,000	10,000	NUM
cblr-2965	653	20	in	in	ADP
cblr-2965	653	21	a	a	DET
cblr-2965	653	22	fund	fund	NOUN
cblr-2965	653	23	that	that	PRON
cblr-2965	653	24	produced	produce	VERB
cblr-2965	653	25	a	a	DET
cblr-2965	653	26	10	10	NUM
cblr-2965	653	27	%	%	NOUN
cblr-2965	653	28	annual	annual	ADJ
cblr-2965	653	29	return	return	NOUN
cblr-2965	653	30	before	before	ADP
cblr-2965	653	31	expenses	expense	NOUN
cblr-2965	653	32	and	and	CCONJ
cblr-2965	653	33	had	have	VERB
cblr-2965	653	34	annual	annual	ADJ
cblr-2965	653	35	operating	operating	NOUN
cblr-2965	653	36	expenses	expense	NOUN
cblr-2965	653	37	of	of	ADP
cblr-2965	653	38	1.5	1.5	NUM
cblr-2965	653	39	%	%	NOUN
cblr-2965	653	40	,	,	PUNCT
cblr-2965	653	41	then	then	ADV
cblr-2965	653	42	after	after	ADP
cblr-2965	653	43	20	20	NUM
cblr-2965	653	44	years	year	NOUN
cblr-2965	653	45	you	you	PRON
cblr-2965	653	46	would	would	AUX
cblr-2965	653	47	have	have	AUX
cblr-2965	653	48	roughly	roughly	ADV
cblr-2965	653	49	$	$	SYM
cblr-2965	653	50	49,725	49,725	NUM
cblr-2965	653	51	.	.	PUNCT
cblr-2965	654	1	but	but	CCONJ
cblr-2965	654	2	if	if	SCONJ
cblr-2965	654	3	the	the	DET
cblr-2965	654	4	fund	fund	NOUN
cblr-2965	654	5	had	have	VERB
cblr-2965	654	6	expenses	expense	NOUN
cblr-2965	654	7	of	of	ADP
cblr-2965	654	8	only	only	ADV
cblr-2965	654	9	0.5	0.5	NUM
cblr-2965	654	10	%	%	NOUN
cblr-2965	654	11	,	,	PUNCT
cblr-2965	654	12	then	then	ADV
cblr-2965	654	13	you	you	PRON
cblr-2965	654	14	would	would	AUX
cblr-2965	654	15	end	end	VERB
cblr-2965	654	16	up	up	ADP
cblr-2965	654	17	with	with	ADP
cblr-2965	654	18	$	$	SYM
cblr-2965	654	19	60,858	60,858	NUM
cblr-2965	654	20	an	an	DET
cblr-2965	654	21	18	18	NUM
cblr-2965	654	22	%	%	NOUN
cblr-2965	654	23	difference	difference	NOUN
cblr-2965	654	24	.	.	PUNCT
cblr-2965	655	1	"	"	PUNCT
cblr-2965	655	2	)	)	PUNCT
cblr-2965	655	3	.	.	PUNCT
cblr-2965	656	1	4	4	NUM
cblr-2965	656	2	sec	sec	PROPN
cblr-2965	656	3	,	,	PUNCT
cblr-2965	656	4	calculating	calculate	VERB
cblr-2965	656	5	fees	fee	NOUN
cblr-2965	656	6	,	,	PUNCT
cblr-2965	656	7	supra	supra	PROPN
cblr-2965	656	8	note	note	PROPN
cblr-2965	656	9	142	142	NUM
cblr-2965	656	10	.	.	PUNCT
cblr-2965	657	1	no	no	INTJ
cblr-2965	657	2	.	.	PUNCT
cblr-2965	658	1	3:934	3:934	X
cblr-2965	658	2	]	]	PUNCT
cblr-2965	658	3	strategies	strategy	NOUN
cblr-2965	658	4	,	,	PUNCT
cblr-2965	658	5	and	and	CCONJ
cblr-2965	658	6	diversified	diversified	ADJ
cblr-2965	658	7	investment	investment	NOUN
cblr-2965	658	8	portfolio	portfolio	NOUN
cblr-2965	658	9	.	.	PUNCT
cblr-2965	659	1	but	but	CCONJ
cblr-2965	659	2	,	,	PUNCT
cblr-2965	659	3	like	like	ADP
cblr-2965	659	4	the	the	DET
cblr-2965	659	5	prospectus	prospectus	NOUN
cblr-2965	659	6	,	,	PUNCT
cblr-2965	659	7	it	it	PRON
cblr-2965	659	8	does	do	AUX
cblr-2965	659	9	not	not	PART
cblr-2965	659	10	explain	explain	VERB
cblr-2965	659	11	how	how	SCONJ
cblr-2965	659	12	investors	investor	NOUN
cblr-2965	659	13	should	should	AUX
cblr-2965	659	14	develop	develop	VERB
cblr-2965	659	15	investment	investment	NOUN
cblr-2965	659	16	strategies	strategy	NOUN
cblr-2965	659	17	or	or	CCONJ
cblr-2965	659	18	what	what	PRON
cblr-2965	659	19	constitutes	constitute	VERB
cblr-2965	659	20	a	a	DET
cblr-2965	659	21	diversified	diversified	ADJ
cblr-2965	659	22	portfolio	portfolio	NOUN
cblr-2965	659	23	.	.	PUNCT
cblr-2965	660	1	3	3	X
cblr-2965	660	2	.	.	X
cblr-2965	660	3	summary	summary	NOUN
cblr-2965	660	4	and	and	CCONJ
cblr-2965	660	5	analysis	analysis	NOUN
cblr-2965	660	6	like	like	ADP
cblr-2965	660	7	its	its	PRON
cblr-2965	660	8	advertising	advertising	NOUN
cblr-2965	660	9	regulations	regulation	NOUN
cblr-2965	660	10	,	,	PUNCT
cblr-2965	660	11	the	the	DET
cblr-2965	660	12	sec	sec	PROPN
cblr-2965	660	13	's	's	PART
cblr-2965	660	14	educational	educational	ADJ
cblr-2965	660	15	materials	material	NOUN
cblr-2965	660	16	indicate	indicate	VERB
cblr-2965	660	17	that	that	SCONJ
cblr-2965	660	18	the	the	DET
cblr-2965	660	19	agency	agency	NOUN
cblr-2965	660	20	believes	believe	VERB
cblr-2965	660	21	that	that	SCONJ
cblr-2965	660	22	some	some	DET
cblr-2965	660	23	investors	investor	NOUN
cblr-2965	660	24	need	need	VERB
cblr-2965	660	25	to	to	PART
cblr-2965	660	26	be	be	AUX
cblr-2965	660	27	reminded	remind	VERB
cblr-2965	660	28	not	not	PART
cblr-2965	660	29	to	to	PART
cblr-2965	660	30	overweight	overweight	VERB
cblr-2965	660	31	a	a	DET
cblr-2965	660	32	fund	fund	NOUN
cblr-2965	660	33	's	's	PART
cblr-2965	660	34	past	past	ADJ
cblr-2965	660	35	returns	return	NOUN
cblr-2965	660	36	and	and	CCONJ
cblr-2965	660	37	not	not	PART
cblr-2965	660	38	to	to	PART
cblr-2965	660	39	underweight	underweight	VERB
cblr-2965	660	40	other	other	ADJ
cblr-2965	660	41	fund	fund	NOUN
cblr-2965	660	42	characteristics	characteristic	NOUN
cblr-2965	660	43	such	such	ADJ
cblr-2965	660	44	as	as	ADP
cblr-2965	660	45	fees	fee	NOUN
cblr-2965	660	46	and	and	CCONJ
cblr-2965	660	47	expenses	expense	NOUN
cblr-2965	660	48	,	,	PUNCT
cblr-2965	660	49	risk	risk	NOUN
cblr-2965	660	50	,	,	PUNCT
cblr-2965	660	51	and	and	CCONJ
cblr-2965	660	52	investment	investment	NOUN
cblr-2965	660	53	objectives	objective	NOUN
cblr-2965	660	54	and	and	CCONJ
cblr-2965	660	55	strategies	strategy	NOUN
cblr-2965	660	56	.	.	PUNCT
cblr-2965	661	1	but	but	CCONJ
cblr-2965	661	2	as	as	ADP
cblr-2965	661	3	with	with	ADP
cblr-2965	661	4	the	the	DET
cblr-2965	661	5	advertising	advertising	NOUN
cblr-2965	661	6	regulations	regulation	NOUN
cblr-2965	661	7	,	,	PUNCT
cblr-2965	661	8	the	the	DET
cblr-2965	661	9	intended	intended	ADJ
cblr-2965	661	10	audience	audience	NOUN
cblr-2965	661	11	of	of	ADP
cblr-2965	661	12	the	the	DET
cblr-2965	661	13	educational	educational	ADJ
cblr-2965	661	14	material	material	NOUN
cblr-2965	661	15	on	on	ADP
cblr-2965	661	16	the	the	DET
cblr-2965	661	17	sec	sec	PROPN
cblr-2965	661	18	's	's	PART
cblr-2965	661	19	website	website	NOUN
cblr-2965	661	20	is	be	AUX
cblr-2965	661	21	unclear	unclear	ADJ
cblr-2965	661	22	.	.	PUNCT
cblr-2965	662	1	much	much	ADJ
cblr-2965	662	2	of	of	ADP
cblr-2965	662	3	the	the	DET
cblr-2965	662	4	information	information	NOUN
cblr-2965	662	5	is	be	AUX
cblr-2965	662	6	very	very	ADV
cblr-2965	662	7	basic	basic	ADJ
cblr-2965	662	8	,	,	PUNCT
cblr-2965	662	9	and	and	CCONJ
cblr-2965	662	10	titles	title	NOUN
cblr-2965	662	11	such	such	ADJ
cblr-2965	662	12	as	as	ADP
cblr-2965	662	13	"	"	PUNCT
cblr-2965	662	14	an	an	DET
cblr-2965	662	15	introduction	introduction	NOUN
cblr-2965	662	16	to	to	ADP
cblr-2965	662	17	mutual	mutual	ADJ
cblr-2965	662	18	funds	fund	NOUN
cblr-2965	662	19	"	"	PUNCT
cblr-2965	662	20	suggest	suggest	VERB
cblr-2965	662	21	that	that	SCONJ
cblr-2965	662	22	it	it	PRON
cblr-2965	662	23	targets	target	VERB
cblr-2965	662	24	new	new	ADJ
cblr-2965	662	25	investors	investor	NOUN
cblr-2965	662	26	rather	rather	ADV
cblr-2965	662	27	than	than	ADP
cblr-2965	662	28	the	the	DET
cblr-2965	662	29	typical	typical	ADJ
cblr-2965	662	30	investor	investor	NOUN
cblr-2965	662	31	.	.	PUNCT
cblr-2965	663	1	nonetheless	nonetheless	ADV
cblr-2965	663	2	,	,	PUNCT
cblr-2965	663	3	the	the	DET
cblr-2965	663	4	sec	sec	PROPN
cblr-2965	663	5	has	have	AUX
cblr-2965	663	6	indicated	indicate	VERB
cblr-2965	663	7	elsewhere	elsewhere	ADV
cblr-2965	663	8	that	that	SCONJ
cblr-2965	663	9	most	most	ADJ
cblr-2965	663	10	investors	investor	NOUN
cblr-2965	663	11	may	may	AUX
cblr-2965	663	12	need	need	VERB
cblr-2965	663	13	to	to	PART
cblr-2965	663	14	be	be	AUX
cblr-2965	663	15	reminded	remind	VERB
cblr-2965	663	16	to	to	PART
cblr-2965	663	17	make	make	VERB
cblr-2965	663	18	fully	fully	ADV
cblr-2965	663	19	-	-	PUNCT
cblr-2965	663	20	informed	inform	VERB
cblr-2965	663	21	investment	investment	NOUN
cblr-2965	663	22	decisions.145	decisions.145	ADV
cblr-2965	663	23	regardless	regardless	ADV
cblr-2965	663	24	,	,	PUNCT
cblr-2965	663	25	the	the	DET
cblr-2965	663	26	profile	profile	NOUN
cblr-2965	663	27	of	of	ADP
cblr-2965	663	28	the	the	DET
cblr-2965	663	29	investor	investor	NOUN
cblr-2965	663	30	to	to	PART
cblr-2965	663	31	whom	whom	PRON
cblr-2965	663	32	the	the	DET
cblr-2965	663	33	sec	sec	PROPN
cblr-2965	663	34	's	's	PART
cblr-2965	663	35	educational	educational	ADJ
cblr-2965	663	36	materials	material	NOUN
cblr-2965	663	37	is	be	AUX
cblr-2965	663	38	directed	direct	VERB
cblr-2965	663	39	is	be	AUX
cblr-2965	663	40	significantly	significantly	ADV
cblr-2965	663	41	less	less	ADV
cblr-2965	663	42	favorable	favorable	ADJ
cblr-2965	663	43	than	than	ADP
cblr-2965	663	44	the	the	DET
cblr-2965	663	45	investor	investor	NOUN
cblr-2965	663	46	profile	profile	NOUN
cblr-2965	663	47	presented	present	VERB
cblr-2965	663	48	by	by	ADP
cblr-2965	663	49	the	the	DET
cblr-2965	663	50	fund	fund	NOUN
cblr-2965	663	51	industry	industry	NOUN
cblr-2965	663	52	.	.	PUNCT
cblr-2965	664	1	v.	v.	ADP
cblr-2965	664	2	academic	academic	ADJ
cblr-2965	664	3	literature	literature	NOUN
cblr-2965	664	4	's	's	PART
cblr-2965	664	5	profile	profile	NOUN
cblr-2965	664	6	of	of	ADP
cblr-2965	664	7	fund	fund	NOUN
cblr-2965	664	8	investors	investor	NOUN
cblr-2965	664	9	:	:	PUNCT
cblr-2965	664	10	mostly	mostly	ADV
cblr-2965	664	11	clueless	clueless	ADJ
cblr-2965	664	12	although	although	SCONJ
cblr-2965	664	13	the	the	DET
cblr-2965	664	14	fund	fund	NOUN
cblr-2965	664	15	industry	industry	NOUN
cblr-2965	664	16	portrays	portray	VERB
cblr-2965	664	17	fund	fund	NOUN
cblr-2965	664	18	investors	investor	NOUN
cblr-2965	664	19	as	as	ADP
cblr-2965	664	20	making	make	VERB
cblr-2965	664	21	informed	informed	ADJ
cblr-2965	664	22	decisions	decision	NOUN
cblr-2965	664	23	,	,	PUNCT
cblr-2965	664	24	and	and	CCONJ
cblr-2965	664	25	the	the	DET
cblr-2965	664	26	sec	sec	PROPN
cblr-2965	664	27	portrays	portray	VERB
cblr-2965	664	28	them	they	PRON
cblr-2965	664	29	as	as	ADP
cblr-2965	664	30	145	145	NUM
cblr-2965	664	31	see	see	VERB
cblr-2965	664	32	,	,	PUNCT
cblr-2965	664	33	e.g.	e.g.	ADV
cblr-2965	664	34	,	,	PUNCT
cblr-2965	664	35	sec	sec	PROPN
cblr-2965	664	36	fee	fee	NOUN
cblr-2965	664	37	report	report	NOUN
cblr-2965	664	38	,	,	PUNCT
cblr-2965	664	39	supra	supra	PROPN
cblr-2965	664	40	note	note	NOUN
cblr-2965	664	41	106	106	NUM
cblr-2965	664	42	,	,	PUNCT
cblr-2965	664	43	§	§	PROPN
cblr-2965	664	44	ii(b)(2	ii(b)(2	NUM
cblr-2965	664	45	)	)	PUNCT
cblr-2965	664	46	(	(	PUNCT
cblr-2965	664	47	noting	note	VERB
cblr-2965	664	48	that	that	SCONJ
cblr-2965	664	49	the	the	DET
cblr-2965	664	50	sec	sec	PROPN
cblr-2965	664	51	"	"	PUNCT
cblr-2965	664	52	continues	continue	VERB
cblr-2965	664	53	to	to	PART
cblr-2965	664	54	be	be	AUX
cblr-2965	664	55	concerned	concern	VERB
cblr-2965	664	56	...	...	PUNCT
cblr-2965	664	57	that	that	SCONJ
cblr-2965	664	58	the	the	DET
cblr-2965	664	59	typical	typical	ADJ
cblr-2965	664	60	investor	investor	NOUN
cblr-2965	664	61	[	[	X
cblr-2965	664	62	is	be	AUX
cblr-2965	664	63	]	]	PUNCT
cblr-2965	664	64	not	not	PART
cblr-2965	664	65	using	use	VERB
cblr-2965	664	66	all	all	PRON
cblr-2965	664	67	of	of	ADP
cblr-2965	664	68	the	the	DET
cblr-2965	664	69	resources	resource	NOUN
cblr-2965	664	70	that	that	PRON
cblr-2965	664	71	are	be	AUX
cblr-2965	664	72	available	available	ADJ
cblr-2965	664	73	in	in	ADP
cblr-2965	664	74	considering	consider	VERB
cblr-2965	664	75	investments	investment	NOUN
cblr-2965	664	76	in	in	ADP
cblr-2965	664	77	mutual	mutual	ADJ
cblr-2965	664	78	funds	fund	NOUN
cblr-2965	664	79	"	"	PUNCT
cblr-2965	664	80	)	)	PUNCT
cblr-2965	664	81	;	;	PUNCT
cblr-2965	664	82	shareholder	shareholder	NOUN
cblr-2965	664	83	reports	report	NOUN
cblr-2965	664	84	and	and	CCONJ
cblr-2965	664	85	quarterly	quarterly	ADJ
cblr-2965	664	86	portfolio	portfolio	NOUN
cblr-2965	664	87	disclosure	disclosure	NOUN
cblr-2965	664	88	of	of	ADP
cblr-2965	664	89	registered	register	VERB
cblr-2965	664	90	management	management	NOUN
cblr-2965	664	91	investment	investment	NOUN
cblr-2965	664	92	companies	company	NOUN
cblr-2965	664	93	,	,	PUNCT
cblr-2965	664	94	69	69	NUM
cblr-2965	664	95	fed	feed	VERB
cblr-2965	664	96	.	.	PUNCT
cblr-2965	665	1	reg	reg	PROPN
cblr-2965	665	2	.	.	PROPN
cblr-2965	666	1	11,244	11,244	NUM
cblr-2965	666	2	,	,	PUNCT
cblr-2965	666	3	11,245	11,245	NUM
cblr-2965	666	4	(	(	PUNCT
cblr-2965	666	5	mar	mar	PROPN
cblr-2965	666	6	.	.	PROPN
cblr-2965	666	7	9	9	NUM
cblr-2965	666	8	,	,	PUNCT
cblr-2965	666	9	2004	2004	NUM
cblr-2965	666	10	)	)	PUNCT
cblr-2965	667	1	(	(	PUNCT
cblr-2965	667	2	to	to	PART
cblr-2965	667	3	be	be	AUX
cblr-2965	667	4	codified	codify	VERB
cblr-2965	667	5	at	at	ADP
cblr-2965	667	6	17	17	NUM
cblr-2965	667	7	c.f.r	c.f.r	NOUN
cblr-2965	667	8	.	.	PUNCT
cblr-2965	668	1	pt	pt	PROPN
cblr-2965	668	2	.	.	PROPN
cblr-2965	668	3	210	210	NUM
cblr-2965	668	4	,	,	PUNCT
cblr-2965	668	5	239	239	NUM
cblr-2965	668	6	,	,	PUNCT
cblr-2965	668	7	249	249	NUM
cblr-2965	668	8	,	,	PUNCT
cblr-2965	668	9	270	270	NUM
cblr-2965	668	10	,	,	PUNCT
cblr-2965	668	11	274	274	NUM
cblr-2965	668	12	)	)	PUNCT
cblr-2965	668	13	(	(	PUNCT
cblr-2965	668	14	"	"	PUNCT
cblr-2965	668	15	[	[	X
cblr-2965	668	16	tlhe	tlhe	NOUN
cblr-2965	668	17	degree	degree	NOUN
cblr-2965	668	18	to	to	PART
cblr-2965	668	19	which	which	PRON
cblr-2965	668	20	investors	investor	NOUN
cblr-2965	668	21	understand	understand	VERB
cblr-2965	668	22	mutual	mutual	ADJ
cblr-2965	668	23	fund	fund	NOUN
cblr-2965	668	24	fees	fee	NOUN
cblr-2965	668	25	and	and	CCONJ
cblr-2965	668	26	expenses	expense	NOUN
cblr-2965	668	27	remains	remain	VERB
cblr-2965	668	28	a	a	DET
cblr-2965	668	29	source	source	NOUN
cblr-2965	668	30	of	of	ADP
cblr-2965	668	31	concern	concern	NOUN
cblr-2965	668	32	.	.	PUNCT
cblr-2965	669	1	"	"	PUNCT
cblr-2965	669	2	)	)	PUNCT
cblr-2965	669	3	.	.	PUNCT
cblr-2965	670	1	col	col	PROPN
cblr-2965	670	2	uamia	uamia	PROPN
cblr-2965	671	1	b	b	PROPN
cblr-2965	671	2	usiness	usiness	PROPN
cblr-2965	671	3	la	la	PROPN
cblr-2965	671	4	w	w	PROPN
cblr-2965	671	5	re	re	PROPN
cblr-2965	671	6	vie	vie	PROPN
cblr-2965	671	7	w	w	PROPN
cblr-2965	672	1	[	[	X
cblr-2965	672	2	vol	vol	NOUN
cblr-2965	672	3	.	.	PUNCT
cblr-2965	672	4	2008	2008	NUM
cblr-2965	672	5	needing	need	VERB
cblr-2965	672	6	only	only	ADV
cblr-2965	672	7	to	to	PART
cblr-2965	672	8	be	be	AUX
cblr-2965	672	9	reminded	remind	VERB
cblr-2965	672	10	to	to	PART
cblr-2965	672	11	pay	pay	VERB
cblr-2965	672	12	appropriate	appropriate	ADJ
cblr-2965	672	13	attention	attention	NOUN
cblr-2965	672	14	to	to	ADP
cblr-2965	672	15	important	important	ADJ
cblr-2965	672	16	fund	fund	NOUN
cblr-2965	672	17	characteristics	characteristic	NOUN
cblr-2965	672	18	,	,	PUNCT
cblr-2965	672	19	the	the	DET
cblr-2965	672	20	academic	academic	ADJ
cblr-2965	672	21	literature	literature	NOUN
cblr-2965	672	22	finds	find	VERB
cblr-2965	672	23	fund	fund	NOUN
cblr-2965	672	24	investors	investor	NOUN
cblr-2965	672	25	ill	ill	ADV
cblr-2965	672	26	-	-	PUNCT
cblr-2965	672	27	prepared	prepared	ADJ
cblr-2965	672	28	to	to	PART
cblr-2965	672	29	choose	choose	VERB
cblr-2965	672	30	among	among	ADP
cblr-2965	672	31	funds	fund	NOUN
cblr-2965	672	32	.	.	PUNCT
cblr-2965	673	1	contradicting	contradict	VERB
cblr-2965	673	2	the	the	DET
cblr-2965	673	3	industry	industry	NOUN
cblr-2965	673	4	's	's	PART
cblr-2965	673	5	and	and	CCONJ
cblr-2965	673	6	regulator	regulator	NOUN
cblr-2965	673	7	's	's	PART
cblr-2965	673	8	favorable	favorable	ADJ
cblr-2965	673	9	portraits	portrait	NOUN
cblr-2965	673	10	,	,	PUNCT
cblr-2965	673	11	an	an	DET
cblr-2965	673	12	extensive	extensive	ADJ
cblr-2965	673	13	body	body	NOUN
cblr-2965	673	14	of	of	ADP
cblr-2965	673	15	studies	study	NOUN
cblr-2965	673	16	of	of	ADP
cblr-2965	673	17	investor	investor	NOUN
cblr-2965	673	18	behaviorconducted	behaviorconducte	VERB
cblr-2965	673	19	primarily	primarily	ADV
cblr-2965	673	20	by	by	ADP
cblr-2965	673	21	finance	finance	NOUN
cblr-2965	673	22	professors	professor	NOUN
cblr-2965	673	23	-	-	PUNCT
cblr-2965	673	24	reveals	reveal	VERB
cblr-2965	673	25	that	that	SCONJ
cblr-2965	673	26	fund	fund	NOUN
cblr-2965	673	27	investors	investor	NOUN
cblr-2965	673	28	are	be	AUX
cblr-2965	673	29	largely	largely	ADV
cblr-2965	673	30	lost	lose	VERB
cblr-2965	673	31	.	.	PUNCT
cblr-2965	674	1	this	this	DET
cblr-2965	674	2	finance	finance	NOUN
cblr-2965	674	3	literature	literature	NOUN
cblr-2965	674	4	finds	find	VERB
cblr-2965	674	5	that	that	SCONJ
cblr-2965	674	6	investors	investor	NOUN
cblr-2965	674	7	are	be	AUX
cblr-2965	674	8	mostly	mostly	ADV
cblr-2965	674	9	ignorant	ignorant	ADJ
cblr-2965	674	10	of	of	ADP
cblr-2965	674	11	the	the	DET
cblr-2965	674	12	basic	basic	ADJ
cblr-2965	674	13	characteristics	characteristic	NOUN
cblr-2965	674	14	of	of	ADP
cblr-2965	674	15	the	the	DET
cblr-2965	674	16	funds	fund	NOUN
cblr-2965	674	17	they	they	PRON
cblr-2965	674	18	own	own	VERB
cblr-2965	674	19	.	.	PUNCT
cblr-2965	675	1	investors	investor	NOUN
cblr-2965	675	2	are	be	AUX
cblr-2965	675	3	also	also	ADV
cblr-2965	675	4	unaware	unaware	ADJ
cblr-2965	675	5	of	of	ADP
cblr-2965	675	6	their	their	PRON
cblr-2965	675	7	funds	fund	NOUN
cblr-2965	675	8	'	'	PART
cblr-2965	675	9	riskiness	riskiness	NOUN
cblr-2965	675	10	and	and	CCONJ
cblr-2965	675	11	pay	pay	VERB
cblr-2965	675	12	insufficient	insufficient	ADJ
cblr-2965	675	13	attention	attention	NOUN
cblr-2965	675	14	to	to	ADP
cblr-2965	675	15	fund	fund	NOUN
cblr-2965	675	16	costs	cost	NOUN
cblr-2965	675	17	.	.	PUNCT
cblr-2965	676	1	in	in	ADP
cblr-2965	676	2	addition	addition	NOUN
cblr-2965	676	3	,	,	PUNCT
cblr-2965	676	4	they	they	PRON
cblr-2965	676	5	regularly	regularly	ADV
cblr-2965	676	6	buy	buy	VERB
cblr-2965	676	7	funds	fund	NOUN
cblr-2965	676	8	based	base	VERB
cblr-2965	676	9	on	on	ADP
cblr-2965	676	10	strong	strong	ADJ
cblr-2965	676	11	past	past	ADJ
cblr-2965	676	12	performance	performance	NOUN
cblr-2965	676	13	,	,	PUNCT
cblr-2965	676	14	despite	despite	SCONJ
cblr-2965	676	15	there	there	PRON
cblr-2965	676	16	being	be	AUX
cblr-2965	676	17	little	little	ADJ
cblr-2965	676	18	correlation	correlation	NOUN
cblr-2965	676	19	between	between	ADP
cblr-2965	676	20	high	high	ADJ
cblr-2965	676	21	past	past	NOUN
cblr-2965	676	22	and	and	CCONJ
cblr-2965	676	23	future	future	ADJ
cblr-2965	676	24	returns	return	NOUN
cblr-2965	676	25	.	.	PUNCT
cblr-2965	677	1	in	in	ADP
cblr-2965	677	2	short	short	ADJ
cblr-2965	677	3	,	,	PUNCT
cblr-2965	677	4	mutual	mutual	ADJ
cblr-2965	677	5	fund	fund	NOUN
cblr-2965	677	6	investors	investor	NOUN
cblr-2965	677	7	on	on	ADP
cblr-2965	677	8	the	the	DET
cblr-2965	677	9	whole	whole	NOUN
cblr-2965	677	10	seem	seem	VERB
cblr-2965	677	11	unable	unable	ADJ
cblr-2965	677	12	to	to	PART
cblr-2965	677	13	perform	perform	VERB
cblr-2965	677	14	the	the	DET
cblr-2965	677	15	disciplining	disciplining	ADJ
cblr-2965	677	16	role	role	NOUN
cblr-2965	677	17	that	that	PRON
cblr-2965	677	18	the	the	DET
cblr-2965	677	19	industry	industry	NOUN
cblr-2965	677	20	says	say	VERB
cblr-2965	677	21	they	they	PRON
cblr-2965	677	22	do	do	VERB
cblr-2965	677	23	and	and	CCONJ
cblr-2965	677	24	that	that	SCONJ
cblr-2965	677	25	the	the	DET
cblr-2965	677	26	sec	sec	PROPN
cblr-2965	677	27	believes	believe	VERB
cblr-2965	677	28	they	they	PRON
cblr-2965	677	29	can	can	AUX
cblr-2965	677	30	do	do	VERB
cblr-2965	677	31	with	with	ADP
cblr-2965	677	32	some	some	DET
cblr-2965	677	33	assistance	assistance	NOUN
cblr-2965	677	34	.	.	PUNCT
cblr-2965	678	1	this	this	PRON
cblr-2965	678	2	is	be	AUX
cblr-2965	678	3	not	not	PART
cblr-2965	678	4	surprising	surprising	ADJ
cblr-2965	678	5	:	:	PUNCT
cblr-2965	678	6	by	by	ADP
cblr-2965	678	7	definition	definition	NOUN
cblr-2965	678	8	,	,	PUNCT
cblr-2965	678	9	investors	investor	NOUN
cblr-2965	678	10	in	in	ADP
cblr-2965	678	11	mutual	mutual	ADJ
cblr-2965	678	12	funds	fund	NOUN
cblr-2965	678	13	have	have	AUX
cblr-2965	678	14	chosen	choose	VERB
cblr-2965	678	15	to	to	PART
cblr-2965	678	16	delegate	delegate	VERB
cblr-2965	678	17	management	management	NOUN
cblr-2965	678	18	of	of	ADP
cblr-2965	678	19	their	their	PRON
cblr-2965	678	20	investment	investment	NOUN
cblr-2965	678	21	to	to	ADP
cblr-2965	678	22	a	a	DET
cblr-2965	678	23	professional.146	professional.146	NOUN
cblr-2965	678	24	but	but	CCONJ
cblr-2965	678	25	fund	fund	NOUN
cblr-2965	678	26	investors	investor	NOUN
cblr-2965	678	27	still	still	ADV
cblr-2965	678	28	must	must	AUX
cblr-2965	678	29	choose	choose	VERB
cblr-2965	678	30	in	in	ADP
cblr-2965	678	31	which	which	PRON
cblr-2965	678	32	funds	fund	NOUN
cblr-2965	678	33	to	to	PART
cblr-2965	678	34	invest	invest	VERB
cblr-2965	678	35	.	.	PUNCT
cblr-2965	679	1	the	the	DET
cblr-2965	679	2	academic	academic	ADJ
cblr-2965	679	3	literature	literature	NOUN
cblr-2965	679	4	suggests	suggest	VERB
cblr-2965	679	5	that	that	SCONJ
cblr-2965	679	6	to	to	PART
cblr-2965	679	7	do	do	VERB
cblr-2965	679	8	this	this	PRON
cblr-2965	679	9	,	,	PUNCT
cblr-2965	679	10	they	they	PRON
cblr-2965	679	11	need	need	VERB
cblr-2965	679	12	much	much	ADV
cblr-2965	679	13	more	more	ADJ
cblr-2965	679	14	help	help	NOUN
cblr-2965	679	15	than	than	SCONJ
cblr-2965	679	16	they	they	PRON
cblr-2965	679	17	are	be	AUX
cblr-2965	679	18	receiving	receive	VERB
cblr-2965	679	19	currently	currently	ADV
cblr-2965	679	20	.	.	PUNCT
cblr-2965	680	1	this	this	DET
cblr-2965	680	2	part	part	NOUN
cblr-2965	680	3	describes	describe	VERB
cblr-2965	680	4	the	the	DET
cblr-2965	680	5	findings	finding	NOUN
cblr-2965	680	6	of	of	ADP
cblr-2965	680	7	the	the	DET
cblr-2965	680	8	academic	academic	ADJ
cblr-2965	680	9	literature	literature	NOUN
cblr-2965	680	10	and	and	CCONJ
cblr-2965	680	11	contrasts	contrast	VERB
cblr-2965	680	12	the	the	DET
cblr-2965	680	13	investor	investor	NOUN
cblr-2965	680	14	profile	profile	NOUN
cblr-2965	680	15	that	that	SCONJ
cblr-2965	680	16	this	this	DET
cblr-2965	680	17	literature	literature	NOUN
cblr-2965	680	18	reveals	reveal	VERB
cblr-2965	680	19	with	with	ADP
cblr-2965	680	20	the	the	DET
cblr-2965	680	21	profiles	profile	NOUN
cblr-2965	680	22	advanced	advance	VERB
cblr-2965	680	23	by	by	ADP
cblr-2965	680	24	the	the	DET
cblr-2965	680	25	ici	ici	NOUN
cblr-2965	680	26	and	and	CCONJ
cblr-2965	680	27	the	the	DET
cblr-2965	680	28	sec	sec	PROPN
cblr-2965	680	29	.	.	PUNCT
cblr-2965	681	1	a.	a.	NOUN
cblr-2965	681	2	investors	investor	NOUN
cblr-2965	681	3	are	be	AUX
cblr-2965	681	4	ignorant	ignorant	ADJ
cblr-2965	681	5	of	of	ADP
cblr-2965	681	6	basic	basic	ADJ
cblr-2965	681	7	fund	fund	NOUN
cblr-2965	681	8	characteristics	characteristic	NOUN
cblr-2965	681	9	most	most	ADJ
cblr-2965	681	10	fund	fund	NOUN
cblr-2965	681	11	investors	investor	NOUN
cblr-2965	681	12	do	do	AUX
cblr-2965	681	13	not	not	PART
cblr-2965	681	14	know	know	VERB
cblr-2965	681	15	even	even	ADV
cblr-2965	681	16	the	the	DET
cblr-2965	681	17	basic	basic	ADJ
cblr-2965	681	18	characteristics	characteristic	NOUN
cblr-2965	681	19	of	of	ADP
cblr-2965	681	20	the	the	DET
cblr-2965	681	21	mutual	mutual	ADJ
cblr-2965	681	22	funds	fund	NOUN
cblr-2965	681	23	they	they	PRON
cblr-2965	681	24	own	own	VERB
cblr-2965	681	25	.	.	PUNCT
cblr-2965	682	1	capon	capon	NOUN
cblr-2965	682	2	,	,	PUNCT
cblr-2965	682	3	fitzsimons	fitzsimon	NOUN
cblr-2965	682	4	and	and	CCONJ
cblr-2965	682	5	prince	prince	PROPN
cblr-2965	682	6	's	's	PART
cblr-2965	682	7	broad	broad	ADJ
cblr-2965	682	8	survey	survey	NOUN
cblr-2965	682	9	conducted	conduct	VERB
cblr-2965	682	10	in	in	ADP
cblr-2965	682	11	1991	1991	NUM
cblr-2965	682	12	found	find	VERB
cblr-2965	682	13	that	that	SCONJ
cblr-2965	682	14	mutual	mutual	ADJ
cblr-2965	682	15	fund	fund	NOUN
cblr-2965	682	16	investors	investor	NOUN
cblr-2965	682	17	are	be	AUX
cblr-2965	682	18	"	"	PUNCT
cblr-2965	682	19	in	in	ADP
cblr-2965	682	20	general	general	ADJ
cblr-2965	682	21	uninformed	uninformed	ADJ
cblr-2965	682	22	1	1	NUM
cblr-2965	682	23	"	"	PUNCT
cblr-2965	682	24	other	other	ADJ
cblr-2965	682	25	reasons	reason	NOUN
cblr-2965	682	26	for	for	ADP
cblr-2965	682	27	investing	invest	VERB
cblr-2965	682	28	in	in	ADP
cblr-2965	682	29	mutual	mutual	ADJ
cblr-2965	682	30	funds	fund	NOUN
cblr-2965	682	31	include	include	VERB
cblr-2965	682	32	the	the	DET
cblr-2965	682	33	ability	ability	NOUN
cblr-2965	682	34	to	to	PART
cblr-2965	682	35	diversify	diversify	VERB
cblr-2965	682	36	with	with	ADP
cblr-2965	682	37	even	even	ADV
cblr-2965	682	38	a	a	DET
cblr-2965	682	39	small	small	ADJ
cblr-2965	682	40	investment	investment	NOUN
cblr-2965	682	41	,	,	PUNCT
cblr-2965	682	42	and	and	CCONJ
cblr-2965	682	43	the	the	DET
cblr-2965	682	44	liquidity	liquidity	NOUN
cblr-2965	682	45	of	of	ADP
cblr-2965	682	46	mutual	mutual	ADJ
cblr-2965	682	47	fund	fund	NOUN
cblr-2965	682	48	shares	share	NOUN
cblr-2965	682	49	.	.	PUNCT
cblr-2965	683	1	sec	sec	PROPN
cblr-2965	683	2	,	,	PUNCT
cblr-2965	683	3	invest	invest	VERB
cblr-2965	683	4	wisely	wisely	ADV
cblr-2965	683	5	,	,	PUNCT
cblr-2965	683	6	supra	supra	ADJ
cblr-2965	683	7	note	note	NOUN
cblr-2965	683	8	1	1	NUM
cblr-2965	683	9	.	.	PUNCT
cblr-2965	684	1	no	no	INTJ
cblr-2965	684	2	.	.	PUNCT
cblr-2965	685	1	3:934	3:934	X
cblr-2965	685	2	]	]	X
cblr-2965	685	3	mutual	mutual	ADJ
cblr-2965	685	4	fund	fund	NOUN
cblr-2965	685	5	investors	investors	PROPN
cblr-2965	685	6	columbia	columbia	PROPN
cblr-2965	685	7	business	business	PROPN
cblr-2965	685	8	la	la	PROPN
cblr-2965	685	9	w	w	PROPN
cblr-2965	685	10	review	review	NOUN
cblr-2965	685	11	regarding	regard	VERB
cblr-2965	685	12	the	the	DET
cblr-2965	685	13	nature	nature	NOUN
cblr-2965	685	14	of	of	ADP
cblr-2965	685	15	their	their	PRON
cblr-2965	685	16	investments	investment	NOUN
cblr-2965	685	17	.	.	PUNCT
cblr-2965	686	1	"'47	"'47	NOUN
cblr-2965	686	2	their	their	PRON
cblr-2965	686	3	telephone	telephone	NOUN
cblr-2965	686	4	survey	survey	NOUN
cblr-2965	686	5	of	of	ADP
cblr-2965	686	6	almost	almost	ADV
cblr-2965	686	7	3400	3400	NUM
cblr-2965	686	8	households	household	NOUN
cblr-2965	686	9	that	that	PRON
cblr-2965	686	10	invest	invest	VERB
cblr-2965	686	11	in	in	ADP
cblr-2965	686	12	mutual	mutual	ADJ
cblr-2965	686	13	funds	fund	NOUN
cblr-2965	686	14	found	find	VERB
cblr-2965	686	15	that	that	SCONJ
cblr-2965	686	16	72	72	NUM
cblr-2965	686	17	%	%	NOUN
cblr-2965	686	18	of	of	ADP
cblr-2965	686	19	them	they	PRON
cblr-2965	686	20	did	do	AUX
cblr-2965	686	21	not	not	PART
cblr-2965	686	22	know	know	VERB
cblr-2965	686	23	whether	whether	SCONJ
cblr-2965	686	24	their	their	PRON
cblr-2965	686	25	primary	primary	ADJ
cblr-2965	686	26	fund	fund	NOUN
cblr-2965	686	27	invests	invest	NOUN
cblr-2965	686	28	in	in	ADP
cblr-2965	686	29	domestic	domestic	ADJ
cblr-2965	686	30	or	or	CCONJ
cblr-2965	686	31	international	international	ADJ
cblr-2965	686	32	securities	security	NOUN
cblr-2965	686	33	,	,	PUNCT
cblr-2965	686	34	and	and	CCONJ
cblr-2965	686	35	75	75	NUM
cblr-2965	686	36	%	%	NOUN
cblr-2965	686	37	did	do	AUX
cblr-2965	686	38	not	not	PART
cblr-2965	686	39	know	know	VERB
cblr-2965	686	40	whether	whether	SCONJ
cblr-2965	686	41	the	the	DET
cblr-2965	686	42	fund	fund	NOUN
cblr-2965	686	43	invests	invest	VERB
cblr-2965	686	44	in	in	ADP
cblr-2965	686	45	equity	equity	NOUN
cblr-2965	686	46	or	or	CCONJ
cblr-2965	686	47	fixed	fix	VERB
cblr-2965	686	48	income	income	NOUN
cblr-2965	686	49	securities.4	securities.4	PROPN
cblr-2965	686	50	the	the	DET
cblr-2965	686	51	2006	2006	NUM
cblr-2965	686	52	ici	ici	NOUN
cblr-2965	686	53	survey	survey	NOUN
cblr-2965	686	54	is	be	AUX
cblr-2965	686	55	consistent	consistent	ADJ
cblr-2965	686	56	with	with	ADP
cblr-2965	686	57	these	these	DET
cblr-2965	686	58	results	result	NOUN
cblr-2965	686	59	.	.	PUNCT
cblr-2965	687	1	only	only	ADV
cblr-2965	687	2	57	57	NUM
cblr-2965	687	3	%	%	NOUN
cblr-2965	687	4	of	of	ADP
cblr-2965	687	5	investors	investor	NOUN
cblr-2965	687	6	in	in	ADP
cblr-2965	687	7	the	the	DET
cblr-2965	687	8	ici	ici	NOUN
cblr-2965	687	9	survey	survey	NOUN
cblr-2965	687	10	said	say	VERB
cblr-2965	687	11	that	that	SCONJ
cblr-2965	687	12	,	,	PUNCT
cblr-2965	687	13	before	before	ADP
cblr-2965	687	14	investing	invest	VERB
cblr-2965	687	15	,	,	PUNCT
cblr-2965	687	16	they	they	PRON
cblr-2965	687	17	review	review	VERB
cblr-2965	687	18	the	the	DET
cblr-2965	687	19	types	type	NOUN
cblr-2965	687	20	of	of	ADP
cblr-2965	687	21	securities	security	NOUN
cblr-2965	687	22	held	hold	VERB
cblr-2965	687	23	by	by	ADP
cblr-2965	687	24	the	the	DET
cblr-2965	687	25	fund	fund	NOUN
cblr-2965	687	26	and	and	CCONJ
cblr-2965	687	27	only	only	ADV
cblr-2965	687	28	40	40	NUM
cblr-2965	687	29	%	%	NOUN
cblr-2965	687	30	said	say	VERB
cblr-2965	687	31	they	they	PRON
cblr-2965	687	32	review	review	VERB
cblr-2965	687	33	the	the	DET
cblr-2965	687	34	fund	fund	NOUN
cblr-2965	687	35	's	's	PART
cblr-2965	687	36	investment	investment	NOUN
cblr-2965	687	37	objectives	objective	NOUN
cblr-2965	687	38	.	.	PUNCT
cblr-2965	688	1	4	4	NUM
cblr-2965	688	2	9	9	NUM
cblr-2965	688	3	in	in	ADP
cblr-2965	688	4	addition	addition	NOUN
cblr-2965	688	5	,	,	PUNCT
cblr-2965	688	6	investors	investor	NOUN
cblr-2965	688	7	are	be	AUX
cblr-2965	688	8	often	often	ADV
cblr-2965	688	9	ignorant	ignorant	ADJ
cblr-2965	688	10	of	of	ADP
cblr-2965	688	11	the	the	DET
cblr-2965	688	12	basic	basic	ADJ
cblr-2965	688	13	costs	cost	NOUN
cblr-2965	688	14	of	of	ADP
cblr-2965	688	15	their	their	PRON
cblr-2965	688	16	mutual	mutual	ADJ
cblr-2965	688	17	funds	fund	NOUN
cblr-2965	688	18	.	.	PUNCT
cblr-2965	689	1	in	in	ADP
cblr-2965	689	2	capon	capon	NOUN
cblr-2965	689	3	,	,	PUNCT
cblr-2965	689	4	fitzsimons	fitzsimon	NOUN
cblr-2965	689	5	and	and	CCONJ
cblr-2965	689	6	prince	prince	PROPN
cblr-2965	689	7	's	's	PART
cblr-2965	689	8	survey	survey	NOUN
cblr-2965	689	9	,	,	PUNCT
cblr-2965	689	10	39	39	NUM
cblr-2965	689	11	%	%	NOUN
cblr-2965	689	12	of	of	ADP
cblr-2965	689	13	the	the	DET
cblr-2965	689	14	respondents	respondent	NOUN
cblr-2965	689	15	said	say	VERB
cblr-2965	689	16	they	they	PRON
cblr-2965	689	17	did	do	AUX
cblr-2965	689	18	not	not	PART
cblr-2965	689	19	know	know	VERB
cblr-2965	689	20	whether	whether	SCONJ
cblr-2965	689	21	their	their	PRON
cblr-2965	689	22	primary	primary	ADJ
cblr-2965	689	23	mutual	mutual	ADJ
cblr-2965	689	24	fund	fund	NOUN
cblr-2965	689	25	had	have	VERB
cblr-2965	689	26	a	a	DET
cblr-2965	689	27	load	load	NOUN
cblr-2965	689	28	.	.	PUNCT
cblr-2965	690	1	5	5	NUM
cblr-2965	690	2	°	°	NOUN
cblr-2965	690	3	in	in	ADP
cblr-2965	690	4	addition	addition	NOUN
cblr-2965	690	5	,	,	PUNCT
cblr-2965	690	6	in	in	ADP
cblr-2965	690	7	a	a	DET
cblr-2965	690	8	survey	survey	NOUN
cblr-2965	690	9	sponsored	sponsor	VERB
cblr-2965	690	10	by	by	ADP
cblr-2965	690	11	the	the	DET
cblr-2965	690	12	sec	sec	PROPN
cblr-2965	690	13	and	and	CCONJ
cblr-2965	690	14	the	the	DET
cblr-2965	690	15	office	office	NOUN
cblr-2965	690	16	of	of	ADP
cblr-2965	690	17	the	the	DET
cblr-2965	690	18	comptroller	comptroller	NOUN
cblr-2965	690	19	of	of	ADP
cblr-2965	690	20	the	the	DET
cblr-2965	690	21	currency	currency	NOUN
cblr-2965	690	22	of	of	ADP
cblr-2965	690	23	2000	2000	NUM
cblr-2965	690	24	mutual	mutual	ADJ
cblr-2965	690	25	fund	fund	NOUN
cblr-2965	690	26	investors	investor	NOUN
cblr-2965	690	27	,	,	PUNCT
cblr-2965	690	28	57	57	NUM
cblr-2965	690	29	%	%	NOUN
cblr-2965	690	30	admitted	admit	VERB
cblr-2965	690	31	to	to	ADP
cblr-2965	690	32	not	not	PART
cblr-2965	690	33	knowing	know	VERB
cblr-2965	690	34	the	the	DET
cblr-2965	690	35	expense	expense	NOUN
cblr-2965	690	36	ratio	ratio	NOUN
cblr-2965	690	37	of	of	ADP
cblr-2965	690	38	their	their	PRON
cblr-2965	690	39	primary	primary	ADJ
cblr-2965	690	40	fund	fund	NOUN
cblr-2965	690	41	even	even	ADV
cblr-2965	690	42	at	at	ADP
cblr-2965	690	43	the	the	DET
cblr-2965	690	44	time	time	NOUN
cblr-2965	690	45	they	they	PRON
cblr-2965	690	46	purchased	purchase	VERB
cblr-2965	690	47	it	it	PRON
cblr-2965	690	48	.	.	PUNCT
cblr-2965	690	49	'	'	PUNCT
cblr-2965	691	1	investor	investor	NOUN
cblr-2965	691	2	reaction	reaction	NOUN
cblr-2965	691	3	to	to	PART
cblr-2965	691	4	fund	fund	VERB
cblr-2965	691	5	name	name	NOUN
cblr-2965	691	6	changes	change	NOUN
cblr-2965	691	7	also	also	ADV
cblr-2965	691	8	shows	show	VERB
cblr-2965	691	9	general	general	ADJ
cblr-2965	691	10	investor	investor	NOUN
cblr-2965	691	11	ignorance	ignorance	NOUN
cblr-2965	691	12	.	.	PUNCT
cblr-2965	692	1	a	a	DET
cblr-2965	692	2	mutual	mutual	ADJ
cblr-2965	692	3	fund	fund	NOUN
cblr-2965	692	4	's	's	PART
cblr-2965	692	5	name	name	NOUN
cblr-2965	692	6	often	often	ADV
cblr-2965	692	7	reflects	reflect	VERB
cblr-2965	692	8	its	its	PRON
cblr-2965	692	9	investment	investment	NOUN
cblr-2965	692	10	style	style	NOUN
cblr-2965	692	11	,	,	PUNCT
cblr-2965	692	12	for	for	ADP
cblr-2965	692	13	example	example	NOUN
cblr-2965	692	14	,	,	PUNCT
cblr-2965	692	15	by	by	ADP
cblr-2965	692	16	containing	contain	VERB
cblr-2965	692	17	the	the	DET
cblr-2965	692	18	word	word	NOUN
cblr-2965	692	19	"	"	PUNCT
cblr-2965	692	20	growth	growth	NOUN
cblr-2965	692	21	"	"	PUNCT
cblr-2965	692	22	or	or	CCONJ
cblr-2965	692	23	"	"	PUNCT
cblr-2965	692	24	value	value	NOUN
cblr-2965	692	25	.	.	PUNCT
cblr-2965	693	1	"5	"5	NOUN
cblr-2965	693	2	2	2	NUM
cblr-2965	693	3	sometimes	sometimes	ADV
cblr-2965	693	4	,	,	PUNCT
cblr-2965	693	5	a	a	DET
cblr-2965	693	6	fund	fund	NOUN
cblr-2965	693	7	's	's	PART
cblr-2965	693	8	name	name	NOUN
cblr-2965	693	9	change	change	NOUN
cblr-2965	693	10	suggests	suggest	VERB
cblr-2965	693	11	a	a	DET
cblr-2965	693	12	change	change	NOUN
cblr-2965	693	13	in	in	ADP
cblr-2965	693	14	its	its	PRON
cblr-2965	693	15	investment	investment	NOUN
cblr-2965	693	16	style	style	NOUN
cblr-2965	693	17	.	.	PUNCT
cblr-2965	694	1	for	for	ADP
cblr-2965	694	2	147	147	NUM
cblr-2965	694	3	noel	noel	ADJ
cblr-2965	694	4	capon	capon	NOUN
cblr-2965	694	5	,	,	PUNCT
cblr-2965	694	6	gavan	gavan	NOUN
cblr-2965	694	7	j.	j.	PROPN
cblr-2965	694	8	fitzsimons	fitzsimons	PROPN
cblr-2965	694	9	&	&	CCONJ
cblr-2965	694	10	russ	russ	PROPN
cblr-2965	694	11	alan	alan	PROPN
cblr-2965	694	12	prince	prince	PROPN
cblr-2965	694	13	,	,	PUNCT
cblr-2965	694	14	an	an	DET
cblr-2965	694	15	individual	individual	ADJ
cblr-2965	694	16	level	level	NOUN
cblr-2965	694	17	analysis	analysis	NOUN
cblr-2965	694	18	of	of	ADP
cblr-2965	694	19	the	the	DET
cblr-2965	694	20	mutual	mutual	ADJ
cblr-2965	694	21	fund	fund	NOUN
cblr-2965	694	22	investment	investment	NOUN
cblr-2965	694	23	decision	decision	NOUN
cblr-2965	694	24	,	,	PUNCT
cblr-2965	694	25	10	10	NUM
cblr-2965	694	26	j.	j.	PROPN
cblr-2965	694	27	fin	fin	PROPN
cblr-2965	694	28	.	.	PUNCT
cblr-2965	695	1	services	service	NOUN
cblr-2965	695	2	res	re	NOUN
cblr-2965	695	3	.	.	PROPN
cblr-2965	696	1	59	59	NUM
cblr-2965	696	2	,	,	PUNCT
cblr-2965	696	3	77	77	NUM
cblr-2965	696	4	(	(	PUNCT
cblr-2965	696	5	1996	1996	NUM
cblr-2965	696	6	)	)	PUNCT
cblr-2965	696	7	.	.	PUNCT
cblr-2965	697	1	148	148	NUM
cblr-2965	697	2	i	i	PRON
cblr-2965	697	3	d.	d.	PROPN
cblr-2965	697	4	at	at	ADP
cblr-2965	697	5	68	68	NUM
cblr-2965	697	6	.	.	NOUN
cblr-2965	697	7	149	149	NUM
cblr-2965	697	8	ici	ici	NOUN
cblr-2965	697	9	,	,	PUNCT
cblr-2965	697	10	investor	investor	NOUN
cblr-2965	697	11	preferences	preference	NOUN
cblr-2965	697	12	,	,	PUNCT
cblr-2965	697	13	supra	supra	PROPN
cblr-2965	697	14	note	note	NOUN
cblr-2965	697	15	31	31	NUM
cblr-2965	697	16	,	,	PUNCT
cblr-2965	697	17	at	at	ADP
cblr-2965	697	18	3	3	NUM
cblr-2965	697	19	fig.1	fig.1	PROPN
cblr-2965	697	20	.	.	PUNCT
cblr-2965	697	21	recall	recall	PROPN
cblr-2965	697	22	,	,	PUNCT
cblr-2965	697	23	however	however	ADV
cblr-2965	697	24	,	,	PUNCT
cblr-2965	697	25	that	that	SCONJ
cblr-2965	697	26	the	the	DET
cblr-2965	697	27	ici	ici	NOUN
cblr-2965	697	28	surveyed	survey	VERB
cblr-2965	697	29	only	only	ADV
cblr-2965	697	30	investors	investor	NOUN
cblr-2965	697	31	who	who	PRON
cblr-2965	697	32	own	own	VERB
cblr-2965	697	33	funds	fund	NOUN
cblr-2965	697	34	outside	outside	ADV
cblr-2965	697	35	of	of	ADP
cblr-2965	697	36	employee	employee	NOUN
cblr-2965	697	37	-	-	PUNCT
cblr-2965	697	38	sponsored	sponsor	VERB
cblr-2965	697	39	retirement	retirement	NOUN
cblr-2965	697	40	accounts	account	NOUN
cblr-2965	697	41	,	,	PUNCT
cblr-2965	697	42	and	and	CCONJ
cblr-2965	697	43	thus	thus	ADV
cblr-2965	697	44	are	be	AUX
cblr-2965	697	45	likely	likely	ADV
cblr-2965	697	46	more	more	ADV
cblr-2965	697	47	wealthy	wealthy	ADJ
cblr-2965	697	48	and	and	CCONJ
cblr-2965	697	49	sophisticated	sophisticated	ADJ
cblr-2965	697	50	than	than	ADP
cblr-2965	697	51	most	most	ADJ
cblr-2965	697	52	fund	fund	NOUN
cblr-2965	697	53	investors	investor	NOUN
cblr-2965	697	54	.	.	PUNCT
cblr-2965	698	1	i	i	PRON
cblr-2965	698	2	d.	d.	PROPN
cblr-2965	698	3	at	at	ADP
cblr-2965	698	4	1	1	NUM
cblr-2965	698	5	n.2	n.2	NOUN
cblr-2965	698	6	.	.	PUNCT
cblr-2965	698	7	"	"	PUNCT
cblr-2965	699	1	capon	capon	NOUN
cblr-2965	699	2	et	et	NOUN
cblr-2965	699	3	al	al	PROPN
cblr-2965	699	4	.	.	PROPN
cblr-2965	699	5	,	,	PUNCT
cblr-2965	699	6	supra	supra	PROPN
cblr-2965	699	7	note	note	PROPN
cblr-2965	699	8	147	147	NUM
cblr-2965	699	9	,	,	PUNCT
cblr-2965	699	10	at	at	ADP
cblr-2965	699	11	68	68	NUM
cblr-2965	699	12	.	.	PUNCT
cblr-2965	699	13	151	151	NUM
cblr-2965	699	14	gordon	gordon	PROPN
cblr-2965	699	15	j.	j.	PROPN
cblr-2965	699	16	alexander	alexander	PROPN
cblr-2965	699	17	,	,	PUNCT
cblr-2965	699	18	jonathan	jonathan	PROPN
cblr-2965	699	19	d.	d.	PROPN
cblr-2965	699	20	jones	jones	PROPN
cblr-2965	699	21	&	&	CCONJ
cblr-2965	699	22	peter	peter	PROPN
cblr-2965	699	23	j.	j.	PROPN
cblr-2965	699	24	nigro	nigro	PROPN
cblr-2965	699	25	,	,	PUNCT
cblr-2965	699	26	mutual	mutual	ADJ
cblr-2965	699	27	fund	fund	NOUN
cblr-2965	699	28	shareholders	shareholder	NOUN
cblr-2965	699	29	:	:	PUNCT
cblr-2965	699	30	characteristics	characteristic	NOUN
cblr-2965	699	31	,	,	PUNCT
cblr-2965	699	32	investor	investor	NOUN
cblr-2965	699	33	knowledge	knowledge	NOUN
cblr-2965	699	34	,	,	PUNCT
cblr-2965	699	35	and	and	CCONJ
cblr-2965	699	36	sources	source	NOUN
cblr-2965	699	37	of	of	ADP
cblr-2965	699	38	information	information	NOUN
cblr-2965	699	39	,	,	PUNCT
cblr-2965	699	40	7	7	NUM
cblr-2965	699	41	fin	fin	NOUN
cblr-2965	699	42	.	.	PUNCT
cblr-2965	700	1	services	service	NOUN
cblr-2965	700	2	rev	rev	VERB
cblr-2965	700	3	.	.	PROPN
cblr-2965	700	4	301	301	NUM
cblr-2965	700	5	,	,	PUNCT
cblr-2965	700	6	309	309	NUM
cblr-2965	700	7	tbl.5	tbl.5	NOUN
cblr-2965	700	8	(	(	PUNCT
cblr-2965	700	9	1998	1998	NUM
cblr-2965	700	10	)	)	PUNCT
cblr-2965	700	11	.	.	PUNCT
cblr-2965	701	1	12	12	NUM
cblr-2965	701	2	michael	michael	PROPN
cblr-2965	701	3	j.	j.	PROPN
cblr-2965	701	4	cooper	cooper	PROPN
cblr-2965	701	5	,	,	PUNCT
cblr-2965	701	6	huseyin	huseyin	PROPN
cblr-2965	701	7	gulen	gulen	PROPN
cblr-2965	701	8	&	&	CCONJ
cblr-2965	701	9	p.	p.	PROPN
cblr-2965	701	10	raghavendra	raghavendra	PROPN
cblr-2965	701	11	rau	rau	PROPN
cblr-2965	701	12	,	,	PUNCT
cblr-2965	701	13	changing	change	VERB
cblr-2965	701	14	names	name	NOUN
cblr-2965	701	15	with	with	ADP
cblr-2965	701	16	style	style	NOUN
cblr-2965	701	17	:	:	PUNCT
cblr-2965	701	18	mutual	mutual	ADJ
cblr-2965	701	19	fund	fund	NOUN
cblr-2965	701	20	name	name	NOUN
cblr-2965	701	21	changes	change	NOUN
cblr-2965	701	22	and	and	CCONJ
cblr-2965	701	23	their	their	PRON
cblr-2965	701	24	effects	effect	NOUN
cblr-2965	701	25	on	on	ADP
cblr-2965	701	26	fund	fund	NOUN
cblr-2965	701	27	flows	flow	NOUN
cblr-2965	701	28	,	,	PUNCT
cblr-2965	701	29	60	60	NUM
cblr-2965	701	30	j.	j.	PROPN
cblr-2965	701	31	fin	fin	PROPN
cblr-2965	701	32	.	.	PUNCT
cblr-2965	702	1	2825	2825	NUM
cblr-2965	702	2	,	,	PUNCT
cblr-2965	702	3	2826	2826	NUM
cblr-2965	702	4	(	(	PUNCT
cblr-2965	702	5	2005	2005	NUM
cblr-2965	702	6	)	)	PUNCT
cblr-2965	702	7	.	.	PUNCT
cblr-2965	703	1	[	[	X
cblr-2965	703	2	vol	vol	NOUN
cblr-2965	703	3	.	.	NOUN
cblr-2965	703	4	2008	2008	NUM
cblr-2965	703	5	mutual	mutual	ADJ
cblr-2965	703	6	fund	fund	NOUN
cblr-2965	703	7	investors	investor	NOUN
cblr-2965	703	8	example	example	VERB
cblr-2965	703	9	,	,	PUNCT
cblr-2965	703	10	the	the	DET
cblr-2965	703	11	armada	armada	PROPN
cblr-2965	703	12	equity	equity	PROPN
cblr-2965	703	13	fund	fund	PROPN
cblr-2965	703	14	changed	change	VERB
cblr-2965	703	15	its	its	PRON
cblr-2965	703	16	name	name	NOUN
cblr-2965	703	17	to	to	ADP
cblr-2965	703	18	the	the	DET
cblr-2965	703	19	armada	armada	PROPN
cblr-2965	703	20	equity	equity	NOUN
cblr-2965	703	21	growth	growth	NOUN
cblr-2965	703	22	fund.153	fund.153	VERB
cblr-2965	703	23	in	in	ADP
cblr-2965	703	24	a	a	DET
cblr-2965	703	25	recent	recent	ADJ
cblr-2965	703	26	study	study	NOUN
cblr-2965	703	27	,	,	PUNCT
cblr-2965	703	28	cooper	cooper	PROPN
cblr-2965	703	29	,	,	PUNCT
cblr-2965	703	30	gulen	gulen	VERB
cblr-2965	703	31	,	,	PUNCT
cblr-2965	703	32	and	and	CCONJ
cblr-2965	703	33	rau	rau	PROPN
cblr-2965	703	34	examined	examine	VERB
cblr-2965	703	35	investors	investor	NOUN
cblr-2965	703	36	'	'	PART
cblr-2965	703	37	reactions	reaction	NOUN
cblr-2965	703	38	to	to	ADP
cblr-2965	703	39	332	332	NUM
cblr-2965	703	40	such	such	ADJ
cblr-2965	703	41	style	style	NOUN
cblr-2965	703	42	name	name	NOUN
cblr-2965	703	43	changes	change	NOUN
cblr-2965	703	44	in	in	ADP
cblr-2965	703	45	equity	equity	NOUN
cblr-2965	703	46	mutual	mutual	ADJ
cblr-2965	703	47	funds.5	funds.5	ADP
cblr-2965	703	48	unsurprisingly	unsurprisingly	ADV
cblr-2965	703	49	,	,	PUNCT
cblr-2965	703	50	they	they	PRON
cblr-2965	703	51	found	find	VERB
cblr-2965	703	52	that	that	SCONJ
cblr-2965	703	53	funds	fund	NOUN
cblr-2965	703	54	that	that	PRON
cblr-2965	703	55	change	change	VERB
cblr-2965	703	56	their	their	PRON
cblr-2965	703	57	names	name	NOUN
cblr-2965	703	58	to	to	PART
cblr-2965	703	59	reflect	reflect	VERB
cblr-2965	703	60	a	a	DET
cblr-2965	703	61	more	more	ADV
cblr-2965	703	62	popular	popular	ADJ
cblr-2965	703	63	investment	investment	NOUN
cblr-2965	703	64	style	style	NOUN
cblr-2965	703	65	experience	experience	VERB
cblr-2965	703	66	a	a	DET
cblr-2965	703	67	large	large	ADJ
cblr-2965	703	68	increase	increase	NOUN
cblr-2965	703	69	in	in	ADP
cblr-2965	703	70	flow	flow	NOUN
cblr-2965	703	71	(	(	PUNCT
cblr-2965	703	72	the	the	DET
cblr-2965	703	73	net	net	ADJ
cblr-2965	703	74	aggregate	aggregate	NOUN
cblr-2965	703	75	amount	amount	NOUN
cblr-2965	703	76	that	that	PRON
cblr-2965	703	77	investors	investor	NOUN
cblr-2965	703	78	put	put	VERB
cblr-2965	703	79	into	into	ADP
cblr-2965	703	80	the	the	DET
cblr-2965	703	81	fund	fund	NOUN
cblr-2965	703	82	during	during	ADP
cblr-2965	703	83	a	a	DET
cblr-2965	703	84	particular	particular	ADJ
cblr-2965	703	85	period	period	NOUN
cblr-2965	703	86	)	)	PUNCT
cblr-2965	703	87	.	.	PUNCT
cblr-2965	704	1	however	however	ADV
cblr-2965	704	2	,	,	PUNCT
cblr-2965	704	3	this	this	DET
cblr-2965	704	4	flow	flow	NOUN
cblr-2965	704	5	increase	increase	NOUN
cblr-2965	704	6	occurs	occur	VERB
cblr-2965	704	7	even	even	ADV
cblr-2965	704	8	if	if	SCONJ
cblr-2965	704	9	the	the	DET
cblr-2965	704	10	fund	fund	NOUN
cblr-2965	704	11	changes	change	VERB
cblr-2965	704	12	only	only	ADV
cblr-2965	704	13	its	its	PRON
cblr-2965	704	14	name	name	NOUN
cblr-2965	704	15	,	,	PUNCT
cblr-2965	704	16	without	without	ADP
cblr-2965	704	17	actually	actually	ADV
cblr-2965	704	18	changing	change	VERB
cblr-2965	704	19	its	its	PRON
cblr-2965	704	20	investment	investment	NOUN
cblr-2965	704	21	style.156	style.156	NOUN
cblr-2965	704	22	this	this	DET
cblr-2965	704	23	reaction	reaction	NOUN
cblr-2965	704	24	to	to	ADP
cblr-2965	704	25	such	such	ADJ
cblr-2965	704	26	"	"	PUNCT
cblr-2965	704	27	cosmetic	cosmetic	ADJ
cblr-2965	704	28	"	"	PUNCT
cblr-2965	704	29	name	name	NOUN
cblr-2965	704	30	changes	change	NOUN
cblr-2965	704	31	demonstrates	demonstrate	VERB
cblr-2965	704	32	that	that	SCONJ
cblr-2965	704	33	investors	investor	NOUN
cblr-2965	704	34	are	be	AUX
cblr-2965	704	35	not	not	PART
cblr-2965	704	36	aware	aware	ADJ
cblr-2965	704	37	of	of	ADP
cblr-2965	704	38	the	the	DET
cblr-2965	704	39	actual	actual	ADJ
cblr-2965	704	40	holdings	holding	NOUN
cblr-2965	704	41	of	of	ADP
cblr-2965	704	42	their	their	PRON
cblr-2965	704	43	mutual	mutual	ADJ
cblr-2965	704	44	funds	fund	NOUN
cblr-2965	704	45	.	.	PUNCT
cblr-2965	705	1	the	the	DET
cblr-2965	705	2	ici	ici	PROPN
cblr-2965	705	3	survey	survey	NOUN
cblr-2965	705	4	also	also	ADV
cblr-2965	705	5	revealed	reveal	VERB
cblr-2965	705	6	basic	basic	ADJ
cblr-2965	705	7	investor	investor	NOUN
cblr-2965	705	8	ignorance	ignorance	NOUN
cblr-2965	705	9	even	even	ADV
cblr-2965	705	10	about	about	ADP
cblr-2965	705	11	how	how	SCONJ
cblr-2965	705	12	mutual	mutual	ADJ
cblr-2965	705	13	funds	fund	NOUN
cblr-2965	705	14	work	work	VERB
cblr-2965	705	15	.	.	PUNCT
cblr-2965	706	1	according	accord	VERB
cblr-2965	706	2	to	to	ADP
cblr-2965	706	3	the	the	DET
cblr-2965	706	4	survey	survey	NOUN
cblr-2965	706	5	,	,	PUNCT
cblr-2965	706	6	58	58	NUM
cblr-2965	706	7	%	%	NOUN
cblr-2965	706	8	of	of	ADP
cblr-2965	706	9	respondents	respondent	NOUN
cblr-2965	706	10	said	say	VERB
cblr-2965	706	11	they	they	PRON
cblr-2965	706	12	reviewed	review	VERB
cblr-2965	706	13	a	a	DET
cblr-2965	706	14	fund	fund	NOUN
cblr-2965	706	15	's	's	PART
cblr-2965	706	16	net	net	ADJ
cblr-2965	706	17	asset	asset	NOUN
cblr-2965	706	18	value	value	NOUN
cblr-2965	706	19	(	(	PUNCT
cblr-2965	706	20	"	"	PUNCT
cblr-2965	706	21	nay	nay	NOUN
cblr-2965	706	22	"	"	PUNCT
cblr-2965	706	23	)	)	PUNCT
cblr-2965	706	24	before	before	ADP
cblr-2965	706	25	investing	invest	VERB
cblr-2965	706	26	.	.	PUNCT
cblr-2965	707	1	the	the	DET
cblr-2965	707	2	nav	nav	NOUN
cblr-2965	707	3	,	,	PUNCT
cblr-2965	707	4	however	however	ADV
cblr-2965	707	5	,	,	PUNCT
cblr-2965	707	6	is	be	AUX
cblr-2965	707	7	simply	simply	ADV
cblr-2965	707	8	the	the	DET
cblr-2965	707	9	value	value	NOUN
cblr-2965	707	10	of	of	ADP
cblr-2965	707	11	the	the	DET
cblr-2965	707	12	fund	fund	NOUN
cblr-2965	707	13	's	's	PART
cblr-2965	707	14	holdings	holding	NOUN
cblr-2965	707	15	divided	divide	VERB
cblr-2965	707	16	by	by	ADP
cblr-2965	707	17	the	the	DET
cblr-2965	707	18	number	number	NOUN
cblr-2965	707	19	of	of	ADP
cblr-2965	707	20	fund	fund	NOUN
cblr-2965	707	21	shares	share	NOUN
cblr-2965	707	22	outstanding	outstanding	ADJ
cblr-2965	707	23	.	.	PUNCT
cblr-2965	708	1	a	a	DET
cblr-2965	708	2	fund	fund	NOUN
cblr-2965	708	3	's	's	PART
cblr-2965	708	4	nav	nav	NOUN
cblr-2965	708	5	does	do	AUX
cblr-2965	708	6	not	not	PART
cblr-2965	708	7	indicate	indicate	VERB
cblr-2965	708	8	the	the	DET
cblr-2965	708	9	fund	fund	NOUN
cblr-2965	708	10	's	's	PART
cblr-2965	708	11	merit	merit	NOUN
cblr-2965	708	12	and	and	CCONJ
cblr-2965	708	13	should	should	AUX
cblr-2965	708	14	be	be	AUX
cblr-2965	708	15	irrelevant	irrelevant	ADJ
cblr-2965	708	16	to	to	ADP
cblr-2965	708	17	rational	rational	ADJ
cblr-2965	708	18	investors	investor	NOUN
cblr-2965	708	19	;	;	PUNCT
cblr-2965	708	20	in	in	ADP
cblr-2965	708	21	fact	fact	NOUN
cblr-2965	708	22	,	,	PUNCT
cblr-2965	708	23	a	a	DET
cblr-2965	708	24	fund	fund	NOUN
cblr-2965	708	25	can	can	AUX
cblr-2965	708	26	arbitrarily	arbitrarily	ADV
cblr-2965	708	27	change	change	VERB
cblr-2965	708	28	its	its	PRON
cblr-2965	708	29	nav	nav	NOUN
cblr-2965	708	30	by	by	ADP
cblr-2965	708	31	157splitting	157splitting	PROPN
cblr-2965	708	32	its	its	PRON
cblr-2965	708	33	shares	share	NOUN
cblr-2965	708	34	.	.	PUNCT
cblr-2965	709	1	153	153	NUM
cblr-2965	710	1	i	i	PROPN
cblr-2965	710	2	d.	d.	PROPN
cblr-2965	710	3	"	"	PUNCT
cblr-2965	710	4	'	'	PUNCT
cblr-2965	710	5	i	i	PRON
cblr-2965	710	6	d.	d.	PROPN
cblr-2965	710	7	at	at	ADP
cblr-2965	710	8	2829	2829	NUM
cblr-2965	710	9	tbl.1	tbl.1	PROPN
cblr-2965	710	10	.	.	PUNCT
cblr-2965	711	1	115	115	NUM
cblr-2965	712	1	i	i	PRON
cblr-2965	712	2	d.	d.	NOUN
cblr-2965	712	3	at	at	ADP
cblr-2965	712	4	2853	2853	NUM
cblr-2965	712	5	.	.	PUNCT
cblr-2965	713	1	156	156	NUM
cblr-2965	714	1	i	i	PRON
cblr-2965	714	2	d.	d.	NOUN
cblr-2965	714	3	at	at	ADP
cblr-2965	714	4	2855	2855	NUM
cblr-2965	714	5	.	.	PUNCT
cblr-2965	715	1	157	157	NUM
cblr-2965	715	2	the	the	DET
cblr-2965	715	3	high	high	ADJ
cblr-2965	715	4	percentage	percentage	NOUN
cblr-2965	715	5	of	of	ADP
cblr-2965	715	6	investors	investor	NOUN
cblr-2965	715	7	who	who	PRON
cblr-2965	715	8	claim	claim	VERB
cblr-2965	715	9	to	to	PART
cblr-2965	715	10	consider	consider	VERB
cblr-2965	715	11	the	the	DET
cblr-2965	715	12	nav	nav	NOUN
cblr-2965	715	13	also	also	ADV
cblr-2965	715	14	might	might	AUX
cblr-2965	715	15	be	be	AUX
cblr-2965	715	16	evidence	evidence	NOUN
cblr-2965	715	17	that	that	SCONJ
cblr-2965	715	18	investors	investor	NOUN
cblr-2965	715	19	did	do	AUX
cblr-2965	715	20	not	not	PART
cblr-2965	715	21	answer	answer	VERB
cblr-2965	715	22	the	the	DET
cblr-2965	715	23	ici	ici	NOUN
cblr-2965	715	24	survey	survey	NOUN
cblr-2965	715	25	honestly	honestly	ADV
cblr-2965	715	26	.	.	PUNCT
cblr-2965	716	1	as	as	SCONJ
cblr-2965	716	2	discussed	discuss	VERB
cblr-2965	716	3	above	above	ADV
cblr-2965	716	4	,	,	PUNCT
cblr-2965	716	5	some	some	DET
cblr-2965	716	6	investors	investor	NOUN
cblr-2965	716	7	might	might	AUX
cblr-2965	716	8	falsely	falsely	ADV
cblr-2965	716	9	claim	claim	VERB
cblr-2965	716	10	to	to	PART
cblr-2965	716	11	survey	survey	VERB
cblr-2965	716	12	takers	taker	NOUN
cblr-2965	716	13	that	that	SCONJ
cblr-2965	716	14	they	they	PRON
cblr-2965	716	15	consider	consider	VERB
cblr-2965	716	16	certain	certain	ADJ
cblr-2965	716	17	factors	factor	NOUN
cblr-2965	716	18	(	(	PUNCT
cblr-2965	716	19	such	such	ADJ
cblr-2965	716	20	as	as	ADP
cblr-2965	716	21	nav	nav	NOUN
cblr-2965	716	22	)	)	PUNCT
cblr-2965	716	23	before	before	ADP
cblr-2965	716	24	investing	invest	VERB
cblr-2965	716	25	because	because	SCONJ
cblr-2965	716	26	they	they	PRON
cblr-2965	716	27	believe	believe	VERB
cblr-2965	716	28	that	that	SCONJ
cblr-2965	716	29	good	good	ADJ
cblr-2965	716	30	investors	investor	NOUN
cblr-2965	716	31	consider	consider	VERB
cblr-2965	716	32	these	these	DET
cblr-2965	716	33	factors	factor	NOUN
cblr-2965	716	34	.	.	PUNCT
cblr-2965	717	1	see	see	VERB
cblr-2965	717	2	ici	ici	PROPN
cblr-2965	717	3	,	,	PUNCT
cblr-2965	717	4	investor	investor	NOUN
cblr-2965	717	5	preferences	preference	NOUN
cblr-2965	717	6	,	,	PUNCT
cblr-2965	717	7	supra	supra	PROPN
cblr-2965	717	8	note	note	NOUN
cblr-2965	717	9	31	31	NUM
cblr-2965	717	10	,	,	PUNCT
cblr-2965	717	11	at	at	ADP
cblr-2965	717	12	10	10	NUM
cblr-2965	717	13	fig.6	fig.6	PROPN
cblr-2965	717	14	.	.	PUNCT
cblr-2965	718	1	even	even	ADV
cblr-2965	718	2	if	if	SCONJ
cblr-2965	718	3	investors	investor	NOUN
cblr-2965	718	4	are	be	AUX
cblr-2965	718	5	lying	lie	VERB
cblr-2965	718	6	about	about	ADP
cblr-2965	718	7	considering	consider	VERB
cblr-2965	718	8	a	a	DET
cblr-2965	718	9	fund	fund	NOUN
cblr-2965	718	10	's	's	PART
cblr-2965	718	11	nav	nav	NOUN
cblr-2965	718	12	,	,	PUNCT
cblr-2965	718	13	however	however	ADV
cblr-2965	718	14	,	,	PUNCT
cblr-2965	718	15	their	their	PRON
cblr-2965	718	16	answers	answer	NOUN
cblr-2965	718	17	show	show	VERB
cblr-2965	718	18	that	that	SCONJ
cblr-2965	718	19	they	they	PRON
cblr-2965	718	20	are	be	AUX
cblr-2965	718	21	not	not	PART
cblr-2965	718	22	financially	financially	ADV
cblr-2965	718	23	sophisticated	sophisticated	ADJ
cblr-2965	718	24	enough	enough	ADV
cblr-2965	718	25	to	to	PART
cblr-2965	718	26	realize	realize	VERB
cblr-2965	718	27	that	that	SCONJ
cblr-2965	718	28	the	the	DET
cblr-2965	718	29	nav	nav	NOUN
cblr-2965	718	30	should	should	AUX
cblr-2965	718	31	be	be	AUX
cblr-2965	718	32	irrelevant	irrelevant	ADJ
cblr-2965	718	33	to	to	ADP
cblr-2965	718	34	an	an	DET
cblr-2965	718	35	investor	investor	NOUN
cblr-2965	718	36	.	.	PUNCT
cblr-2965	719	1	no	no	INTJ
cblr-2965	719	2	.	.	PUNCT
cblr-2965	720	1	3:934	3:934	X
cblr-2965	720	2	]	]	X
cblr-2965	720	3	b.	b.	PROPN
cblr-2965	720	4	investors	investor	NOUN
cblr-2965	720	5	are	be	AUX
cblr-2965	720	6	inattentive	inattentive	ADJ
cblr-2965	720	7	to	to	PART
cblr-2965	720	8	risk	risk	VERB
cblr-2965	720	9	fund	fund	NOUN
cblr-2965	720	10	investors	investor	NOUN
cblr-2965	720	11	generally	generally	ADV
cblr-2965	720	12	are	be	AUX
cblr-2965	720	13	not	not	PART
cblr-2965	720	14	aware	aware	ADJ
cblr-2965	720	15	of	of	ADP
cblr-2965	720	16	fund	fund	NOUN
cblr-2965	720	17	risks	risk	NOUN
cblr-2965	720	18	and	and	CCONJ
cblr-2965	720	19	do	do	AUX
cblr-2965	720	20	not	not	PART
cblr-2965	720	21	take	take	VERB
cblr-2965	720	22	them	they	PRON
cblr-2965	720	23	seriously	seriously	ADV
cblr-2965	720	24	.	.	PUNCT
cblr-2965	721	1	5	5	NUM
cblr-2965	721	2	'	'	NUM
cblr-2965	721	3	a	a	DET
cblr-2965	721	4	number	number	NOUN
cblr-2965	721	5	of	of	ADP
cblr-2965	721	6	academic	academic	ADJ
cblr-2965	721	7	studies	study	NOUN
cblr-2965	721	8	of	of	ADP
cblr-2965	721	9	investor	investor	NOUN
cblr-2965	721	10	behavior	behavior	NOUN
cblr-2965	721	11	are	be	AUX
cblr-2965	721	12	at	at	ADP
cblr-2965	721	13	odds	odd	NOUN
cblr-2965	721	14	with	with	ADP
cblr-2965	721	15	the	the	DET
cblr-2965	721	16	findings	finding	NOUN
cblr-2965	721	17	of	of	ADP
cblr-2965	721	18	the	the	DET
cblr-2965	721	19	ici	ici	NOUN
cblr-2965	721	20	survey	survey	NOUN
cblr-2965	721	21	,	,	PUNCT
cblr-2965	721	22	in	in	ADP
cblr-2965	721	23	which	which	PRON
cblr-2965	721	24	61	61	NUM
cblr-2965	721	25	%	%	NOUN
cblr-2965	721	26	of	of	ADP
cblr-2965	721	27	respondents	respondent	NOUN
cblr-2965	721	28	reported	report	VERB
cblr-2965	721	29	reviewing	review	VERB
cblr-2965	721	30	a	a	DET
cblr-2965	721	31	fund	fund	NOUN
cblr-2965	721	32	's	's	PART
cblr-2965	721	33	risks	risk	NOUN
cblr-2965	721	34	before	before	ADP
cblr-2965	721	35	investing	investing	NOUN
cblr-2965	721	36	,	,	PUNCT
cblr-2965	721	37	making	make	VERB
cblr-2965	721	38	"	"	PUNCT
cblr-2965	721	39	fund	fund	NOUN
cblr-2965	721	40	risks	risk	NOUN
cblr-2965	721	41	"	"	PUNCT
cblr-2965	721	42	the	the	DET
cblr-2965	721	43	third	third	ADV
cblr-2965	721	44	most	most	ADV
cblr-2965	721	45	reviewed	review	VERB
cblr-2965	721	46	information	information	NOUN
cblr-2965	721	47	by	by	ADP
cblr-2965	721	48	investors	investor	NOUN
cblr-2965	721	49	.	.	PUNCT
cblr-2965	721	50	'	'	PUNCT
cblr-2965	722	1	"	"	PUNCT
cblr-2965	722	2	1	1	NUM
cblr-2965	722	3	.	.	X
cblr-2965	722	4	indifference	indifference	NOUN
cblr-2965	722	5	to	to	PART
cblr-2965	722	6	risk	risk	VERB
cblr-2965	722	7	measures	measure	NOUN
cblr-2965	722	8	in	in	ADP
cblr-2965	722	9	academic	academic	ADJ
cblr-2965	722	10	studies	study	NOUN
cblr-2965	722	11	,	,	PUNCT
cblr-2965	722	12	fund	fund	NOUN
cblr-2965	722	13	investors	investor	NOUN
cblr-2965	722	14	consistently	consistently	ADV
cblr-2965	722	15	show	show	VERB
cblr-2965	722	16	a	a	DET
cblr-2965	722	17	lack	lack	NOUN
cblr-2965	722	18	of	of	ADP
cblr-2965	722	19	understanding	understanding	NOUN
cblr-2965	722	20	of	of	ADP
cblr-2965	722	21	,	,	PUNCT
cblr-2965	722	22	and	and	CCONJ
cblr-2965	722	23	indifference	indifference	NOUN
cblr-2965	722	24	to	to	ADP
cblr-2965	722	25	,	,	PUNCT
cblr-2965	722	26	risk	risk	NOUN
cblr-2965	722	27	.	.	PUNCT
cblr-2965	723	1	in	in	ADP
cblr-2965	723	2	one	one	NUM
cblr-2965	723	3	recent	recent	ADJ
cblr-2965	723	4	academic	academic	ADJ
cblr-2965	723	5	survey	survey	NOUN
cblr-2965	723	6	,	,	PUNCT
cblr-2965	723	7	fund	fund	NOUN
cblr-2965	723	8	investors	investor	NOUN
cblr-2965	723	9	overwhelmingly	overwhelmingly	ADV
cblr-2965	723	10	acknowledged	acknowledge	VERB
cblr-2965	723	11	not	not	PART
cblr-2965	723	12	using	use	VERB
cblr-2965	723	13	standard	standard	ADJ
cblr-2965	723	14	measures	measure	NOUN
cblr-2965	723	15	of	of	ADP
cblr-2965	723	16	risk	risk	NOUN
cblr-2965	723	17	-	-	PUNCT
cblr-2965	723	18	such	such	ADJ
cblr-2965	723	19	as	as	ADP
cblr-2965	723	20	beta	beta	NOUN
cblr-2965	723	21	"	"	PUNCT
cblr-2965	723	22	'	'	PUNCT
cblr-2965	723	23	or	or	CCONJ
cblr-2965	723	24	the	the	DET
cblr-2965	723	25	standard	standard	ADJ
cblr-2965	723	26	deviation	deviation	NOUN
cblr-2965	723	27	of	of	ADP
cblr-2965	723	28	the	the	DET
cblr-2965	723	29	fund	fund	NOUN
cblr-2965	723	30	's	's	PART
cblr-2965	723	31	returns	return	NOUN
cblr-2965	723	32	-	-	PUNCT
cblr-2965	723	33	in	in	ADP
cblr-2965	723	34	evaluating	evaluate	VERB
cblr-2965	723	35	a	a	DET
cblr-2965	723	36	fund	fund	NOUN
cblr-2965	723	37	.	.	PUNCT
cblr-2965	723	38	'	'	PUNCT
cblr-2965	724	1	also	also	ADV
cblr-2965	724	2	,	,	PUNCT
cblr-2965	724	3	in	in	ADP
cblr-2965	724	4	a	a	DET
cblr-2965	724	5	recent	recent	ADJ
cblr-2965	724	6	experiment	experiment	NOUN
cblr-2965	724	7	by	by	ADP
cblr-2965	724	8	wilcox	wilcox	PROPN
cblr-2965	724	9	,	,	PUNCT
cblr-2965	724	10	fund	fund	NOUN
cblr-2965	724	11	investors	investor	NOUN
cblr-2965	724	12	were	be	AUX
cblr-2965	724	13	asked	ask	VERB
cblr-2965	724	14	to	to	PART
cblr-2965	724	15	choose	choose	VERB
cblr-2965	724	16	among	among	ADP
cblr-2965	724	17	hypothetical	hypothetical	ADJ
cblr-2965	724	18	stock	stock	NOUN
cblr-2965	724	19	mutual	mutual	ADJ
cblr-2965	724	20	funds	fund	NOUN
cblr-2965	724	21	differing	differ	VERB
cblr-2965	724	22	in	in	ADP
cblr-2965	724	23	up	up	ADP
cblr-2965	724	24	to	to	PART
cblr-2965	724	25	six	six	NUM
cblr-2965	724	26	characteristics	characteristic	NOUN
cblr-2965	724	27	:	:	PUNCT
cblr-2965	724	28	(	(	PUNCT
cblr-2965	724	29	1	1	X
cblr-2965	724	30	)	)	PUNCT
cblr-2965	724	31	the	the	DET
cblr-2965	724	32	fund	fund	NOUN
cblr-2965	724	33	company	company	NOUN
cblr-2965	724	34	's	's	PART
cblr-2965	724	35	name	name	NOUN
cblr-2965	724	36	;	;	PUNCT
cblr-2965	724	37	(	(	PUNCT
cblr-2965	724	38	2	2	X
cblr-2965	724	39	)	)	PUNCT
cblr-2965	724	40	the	the	DET
cblr-2965	724	41	fund	fund	NOUN
cblr-2965	724	42	's	's	PART
cblr-2965	724	43	load	load	NOUN
cblr-2965	724	44	;	;	PUNCT
cblr-2965	724	45	(	(	PUNCT
cblr-2965	724	46	3	3	X
cblr-2965	724	47	)	)	PUNCT
cblr-2965	724	48	the	the	DET
cblr-2965	724	49	fund	fund	NOUN
cblr-2965	724	50	's	's	PART
cblr-2965	724	51	annual	annual	ADJ
cblr-2965	724	52	management	management	NOUN
cblr-2965	724	53	fee	fee	NOUN
cblr-2965	724	54	;	;	PUNCT
cblr-2965	724	55	(	(	PUNCT
cblr-2965	724	56	4	4	X
cblr-2965	724	57	)	)	PUNCT
cblr-2965	724	58	the	the	DET
cblr-2965	724	59	fund	fund	NOUN
cblr-2965	724	60	's	's	PART
cblr-2965	724	61	return	return	NOUN
cblr-2965	724	62	during	during	ADP
cblr-2965	724	63	the	the	DET
cblr-2965	724	64	previous	previous	ADJ
cblr-2965	724	65	year	year	NOUN
cblr-2965	724	66	;	;	PUNCT
cblr-2965	724	67	(	(	PUNCT
cblr-2965	724	68	5	5	X
cblr-2965	724	69	)	)	PUNCT
cblr-2965	724	70	the	the	DET
cblr-2965	724	71	fund	fund	NOUN
cblr-2965	724	72	's	's	PART
cblr-2965	724	73	average	average	ADJ
cblr-2965	724	74	annual	annual	ADJ
cblr-2965	724	75	return	return	NOUN
cblr-2965	724	76	during	during	ADP
cblr-2965	724	77	the	the	DET
cblr-2965	724	78	previous	previous	ADJ
cblr-2965	724	79	ten	ten	NUM
cblr-2965	724	80	years	year	NOUN
cblr-2965	724	81	;	;	PUNCT
cblr-2965	724	82	and	and	CCONJ
cblr-2965	724	83	(	(	PUNCT
cblr-2965	724	84	6	6	X
cblr-2965	724	85	)	)	PUNCT
cblr-2965	724	86	the	the	DET
cblr-2965	724	87	fund	fund	NOUN
cblr-2965	724	88	's	's	PART
cblr-2965	724	89	beta	beta	NOUN
cblr-2965	724	90	.	.	PUNCT
cblr-2965	724	91	'62	'62	NOUN
cblr-2965	724	92	the	the	DET
cblr-2965	724	93	158	158	NUM
cblr-2965	724	94	this	this	DET
cblr-2965	724	95	conclusion	conclusion	NOUN
cblr-2965	724	96	is	be	AUX
cblr-2965	724	97	also	also	ADV
cblr-2965	724	98	shared	share	VERB
cblr-2965	724	99	by	by	ADP
cblr-2965	724	100	professionals	professional	NOUN
cblr-2965	724	101	who	who	PRON
cblr-2965	724	102	work	work	VERB
cblr-2965	724	103	with	with	ADP
cblr-2965	724	104	investors	investor	NOUN
cblr-2965	724	105	.	.	PUNCT
cblr-2965	725	1	michael	michael	PROPN
cblr-2965	725	2	a.	a.	PROPN
cblr-2965	725	3	jones	jones	PROPN
cblr-2965	725	4	,	,	PUNCT
cblr-2965	725	5	vance	vance	PROPN
cblr-2965	725	6	p.	p.	PROPN
cblr-2965	725	7	lesseig	lesseig	PROPN
cblr-2965	725	8	,	,	PUNCT
cblr-2965	725	9	&	&	CCONJ
cblr-2965	725	10	thomas	thomas	PROPN
cblr-2965	725	11	i.	i.	PROPN
cblr-2965	725	12	smythe	smythe	PROPN
cblr-2965	725	13	,	,	PUNCT
cblr-2965	725	14	financial	financial	ADJ
cblr-2965	725	15	advisors	advisor	NOUN
cblr-2965	725	16	and	and	CCONJ
cblr-2965	725	17	mutual	mutual	ADJ
cblr-2965	725	18	fund	fund	NOUN
cblr-2965	725	19	selection	selection	NOUN
cblr-2965	725	20	,	,	PUNCT
cblr-2965	725	21	18	18	NUM
cblr-2965	725	22	j.	j.	PROPN
cblr-2965	725	23	fin	fin	PROPN
cblr-2965	725	24	.	.	PUNCT
cblr-2965	725	25	plan	plan	PROPN
cblr-2965	725	26	.	.	PUNCT
cblr-2965	726	1	64	64	NUM
cblr-2965	726	2	,	,	PUNCT
cblr-2965	726	3	68	68	NUM
cblr-2965	726	4	(	(	PUNCT
cblr-2965	726	5	2005	2005	NUM
cblr-2965	726	6	)	)	PUNCT
cblr-2965	726	7	(	(	PUNCT
cblr-2965	726	8	"	"	PUNCT
cblr-2965	726	9	[	[	X
cblr-2965	726	10	tlhe	tlhe	NOUN
cblr-2965	726	11	consensus	consensus	NOUN
cblr-2965	726	12	among	among	ADP
cblr-2965	726	13	most	most	ADJ
cblr-2965	726	14	academics	academic	NOUN
cblr-2965	726	15	and	and	CCONJ
cblr-2965	726	16	practitioners	practitioner	NOUN
cblr-2965	726	17	is	be	AUX
cblr-2965	726	18	that	that	SCONJ
cblr-2965	726	19	individual	individual	ADJ
cblr-2965	726	20	investors	investor	NOUN
cblr-2965	726	21	largely	largely	ADV
cblr-2965	726	22	ignore	ignore	VERB
cblr-2965	726	23	risk	risk	NOUN
cblr-2965	726	24	as	as	ADP
cblr-2965	726	25	a	a	DET
cblr-2965	726	26	decision	decision	NOUN
cblr-2965	726	27	factor	factor	NOUN
cblr-2965	726	28	.	.	PUNCT
cblr-2965	726	29	"	"	PUNCT
cblr-2965	726	30	)	)	PUNCT
cblr-2965	726	31	.	.	PUNCT
cblr-2965	727	1	'	'	PUNCT
cblr-2965	727	2	9	9	NUM
cblr-2965	727	3	ici	ici	NOUN
cblr-2965	727	4	,	,	PUNCT
cblr-2965	727	5	investor	investor	NOUN
cblr-2965	727	6	preferences	preference	NOUN
cblr-2965	727	7	,	,	PUNCT
cblr-2965	727	8	supra	supra	PROPN
cblr-2965	727	9	note	note	NOUN
cblr-2965	727	10	31	31	NUM
cblr-2965	727	11	,	,	PUNCT
cblr-2965	727	12	at	at	ADP
cblr-2965	727	13	3	3	NUM
cblr-2965	727	14	fig.1	fig.1	PROPN
cblr-2965	727	15	.	.	PUNCT
cblr-2965	728	1	160	160	NUM
cblr-2965	728	2	beta	beta	NOUN
cblr-2965	728	3	is	be	AUX
cblr-2965	728	4	a	a	DET
cblr-2965	728	5	measure	measure	NOUN
cblr-2965	728	6	of	of	ADP
cblr-2965	728	7	the	the	DET
cblr-2965	728	8	correlation	correlation	NOUN
cblr-2965	728	9	of	of	ADP
cblr-2965	728	10	a	a	DET
cblr-2965	728	11	fund	fund	NOUN
cblr-2965	728	12	's	's	PART
cblr-2965	728	13	returns	return	NOUN
cblr-2965	728	14	with	with	ADP
cblr-2965	728	15	the	the	DET
cblr-2965	728	16	stock	stock	NOUN
cblr-2965	728	17	market	market	NOUN
cblr-2965	728	18	's	's	PART
cblr-2965	728	19	returns	return	NOUN
cblr-2965	728	20	.	.	PUNCT
cblr-2965	729	1	william	william	PROPN
cblr-2965	729	2	j.	j.	PROPN
cblr-2965	729	3	carney	carney	PROPN
cblr-2965	729	4	,	,	PUNCT
cblr-2965	729	5	corporate	corporate	ADJ
cblr-2965	729	6	finance	finance	NOUN
cblr-2965	729	7	:	:	PUNCT
cblr-2965	729	8	principles	principle	NOUN
cblr-2965	729	9	and	and	CCONJ
cblr-2965	729	10	practice	practice	VERB
cblr-2965	729	11	105	105	NUM
cblr-2965	729	12	-	-	SYM
cblr-2965	729	13	08	08	NUM
cblr-2965	729	14	(	(	PUNCT
cblr-2965	729	15	2005	2005	NUM
cblr-2965	729	16	)	)	PUNCT
cblr-2965	729	17	.	.	PUNCT
cblr-2965	730	1	161	161	NUM
cblr-2965	730	2	see	see	NOUN
cblr-2965	730	3	,	,	PUNCT
cblr-2965	730	4	e.g.	e.g.	ADV
cblr-2965	730	5	,	,	PUNCT
cblr-2965	730	6	diane	diane	PROPN
cblr-2965	730	7	del	del	PROPN
cblr-2965	730	8	guercio	guercio	PROPN
cblr-2965	730	9	&	&	CCONJ
cblr-2965	730	10	paula	paula	PROPN
cblr-2965	730	11	a.	a.	PROPN
cblr-2965	730	12	tkac	tkac	PROPN
cblr-2965	730	13	,	,	PUNCT
cblr-2965	730	14	the	the	DET
cblr-2965	730	15	determinants	determinant	NOUN
cblr-2965	730	16	of	of	ADP
cblr-2965	730	17	the	the	DET
cblr-2965	730	18	flow	flow	NOUN
cblr-2965	730	19	of	of	ADP
cblr-2965	730	20	funds	fund	NOUN
cblr-2965	730	21	of	of	ADP
cblr-2965	730	22	managed	manage	VERB
cblr-2965	730	23	portfolios	portfolio	NOUN
cblr-2965	730	24	:	:	PUNCT
cblr-2965	730	25	mutual	mutual	ADJ
cblr-2965	730	26	funds	fund	NOUN
cblr-2965	730	27	vs.	vs.	ADP
cblr-2965	730	28	pension	pension	NOUN
cblr-2965	730	29	funds	fund	NOUN
cblr-2965	730	30	,	,	PUNCT
cblr-2965	730	31	37	37	NUM
cblr-2965	730	32	j.	j.	PROPN
cblr-2965	730	33	fin	fin	PROPN
cblr-2965	730	34	.	.	PUNCT
cblr-2965	730	35	&	&	CCONJ
cblr-2965	730	36	quantitative	quantitative	ADJ
cblr-2965	730	37	analysis	analysis	NOUN
cblr-2965	730	38	523	523	NUM
cblr-2965	730	39	,	,	PUNCT
cblr-2965	730	40	528	528	NUM
cblr-2965	730	41	(	(	PUNCT
cblr-2965	730	42	2002	2002	NUM
cblr-2965	730	43	)	)	PUNCT
cblr-2965	730	44	(	(	PUNCT
cblr-2965	730	45	noting	note	VERB
cblr-2965	730	46	that	that	SCONJ
cblr-2965	730	47	a	a	DET
cblr-2965	730	48	survey	survey	NOUN
cblr-2965	730	49	of	of	ADP
cblr-2965	730	50	investors	investor	NOUN
cblr-2965	730	51	found	find	VERB
cblr-2965	730	52	that	that	SCONJ
cblr-2965	730	53	only	only	ADV
cblr-2965	730	54	14	14	NUM
cblr-2965	730	55	%	%	NOUN
cblr-2965	730	56	"	"	PUNCT
cblr-2965	730	57	said	say	VERB
cblr-2965	730	58	they	they	PRON
cblr-2965	730	59	use	use	VERB
cblr-2965	730	60	standard	standard	ADJ
cblr-2965	730	61	deviation	deviation	NOUN
cblr-2965	730	62	to	to	PART
cblr-2965	730	63	measure	measure	VERB
cblr-2965	730	64	risk	risk	NOUN
cblr-2965	730	65	,	,	PUNCT
cblr-2965	730	66	10	10	NUM
cblr-2965	730	67	%	%	NOUN
cblr-2965	730	68	use	use	VERB
cblr-2965	730	69	beta	beta	NOUN
cblr-2965	730	70	,	,	PUNCT
cblr-2965	730	71	and	and	CCONJ
cblr-2965	730	72	only	only	ADV
cblr-2965	730	73	4	4	NUM
cblr-2965	730	74	%	%	NOUN
cblr-2965	730	75	use	use	NOUN
cblr-2965	730	76	an	an	DET
cblr-2965	730	77	alpha	alpha	NOUN
cblr-2965	730	78	or	or	CCONJ
cblr-2965	730	79	sharpe	sharpe	NOUN
cblr-2965	730	80	measure	measure	NOUN
cblr-2965	730	81	"	"	PUNCT
cblr-2965	730	82	)	)	PUNCT
cblr-2965	730	83	.	.	PUNCT
cblr-2965	731	1	162	162	NUM
cblr-2965	731	2	ronald	ronald	PROPN
cblr-2965	731	3	t.	t.	PROPN
cblr-2965	731	4	wilcox	wilcox	PROPN
cblr-2965	731	5	,	,	PUNCT
cblr-2965	731	6	bargain	bargain	NOUN
cblr-2965	731	7	hunting	hunting	NOUN
cblr-2965	731	8	or	or	CCONJ
cblr-2965	731	9	star	star	NOUN
cblr-2965	731	10	gazing	gaze	VERB
cblr-2965	731	11	?	?	PUNCT
cblr-2965	732	1	investors	investor	NOUN
cblr-2965	732	2	'	'	PART
cblr-2965	732	3	preferences	preference	NOUN
cblr-2965	732	4	for	for	ADP
cblr-2965	732	5	stock	stock	NOUN
cblr-2965	732	6	mutual	mutual	ADJ
cblr-2965	732	7	funds	fund	NOUN
cblr-2965	732	8	,	,	PUNCT
cblr-2965	732	9	76	76	NUM
cblr-2965	732	10	j.	j.	PROPN
cblr-2965	732	11	bus	bus	PROPN
cblr-2965	732	12	.	.	PUNCT
cblr-2965	733	1	645	645	NUM
cblr-2965	733	2	,	,	PUNCT
cblr-2965	733	3	648	648	NUM
cblr-2965	733	4	(	(	PUNCT
cblr-2965	733	5	2003	2003	NUM
cblr-2965	733	6	)	)	PUNCT
cblr-2965	733	7	.	.	PUNCT
cblr-2965	734	1	columbia	columbia	PROPN
cblr-2965	734	2	business	business	PROPN
cblr-2965	734	3	la	la	PROPN
cblr-2965	734	4	w	w	PROPN
cblr-2965	734	5	re	re	VERB
cblr-2965	734	6	view	view	NOUN
cblr-2965	734	7	[	[	X
cblr-2965	734	8	vol	vol	NOUN
cblr-2965	734	9	.	.	NOUN
cblr-2965	734	10	2008	2008	NUM
cblr-2965	734	11	mutual	mutual	ADJ
cblr-2965	734	12	fund	fund	NOUN
cblr-2965	734	13	investors	investor	NOUN
cblr-2965	734	14	experiment	experiment	NOUN
cblr-2965	734	15	found	find	VERB
cblr-2965	734	16	that	that	SCONJ
cblr-2965	734	17	a	a	DET
cblr-2965	734	18	fund	fund	NOUN
cblr-2965	734	19	's	's	PART
cblr-2965	734	20	beta	beta	NOUN
cblr-2965	734	21	was	be	AUX
cblr-2965	734	22	the	the	DET
cblr-2965	734	23	least	least	ADV
cblr-2965	734	24	important	important	ADJ
cblr-2965	734	25	characteristic	characteristic	ADJ
cblr-2965	734	26	to	to	ADP
cblr-2965	734	27	investors	investor	NOUN
cblr-2965	734	28	.	.	PUNCT
cblr-2965	735	1	'63	'63	PROPN
cblr-2965	735	2	in	in	ADP
cblr-2965	735	3	addition	addition	NOUN
cblr-2965	735	4	,	,	PUNCT
cblr-2965	735	5	fund	fund	NOUN
cblr-2965	735	6	investors	investor	NOUN
cblr-2965	735	7	seem	seem	VERB
cblr-2965	735	8	indifferent	indifferent	ADJ
cblr-2965	735	9	to	to	ADP
cblr-2965	735	10	tracking	track	VERB
cblr-2965	735	11	error	error	NOUN
cblr-2965	735	12	,	,	PUNCT
cblr-2965	735	13	a	a	DET
cblr-2965	735	14	measure	measure	NOUN
cblr-2965	735	15	of	of	ADP
cblr-2965	735	16	diversifiable	diversifiable	ADJ
cblr-2965	735	17	risk	risk	NOUN
cblr-2965	735	18	.	.	PUNCT
cblr-2965	736	1	a	a	DET
cblr-2965	736	2	fund	fund	NOUN
cblr-2965	736	3	has	have	VERB
cblr-2965	736	4	less	less	ADJ
cblr-2965	736	5	tracking	tracking	NOUN
cblr-2965	736	6	error	error	NOUN
cblr-2965	736	7	if	if	SCONJ
cblr-2965	736	8	its	its	PRON
cblr-2965	736	9	returns	return	NOUN
cblr-2965	736	10	more	more	ADV
cblr-2965	736	11	closely	closely	ADV
cblr-2965	736	12	match	match	VERB
cblr-2965	736	13	those	those	PRON
cblr-2965	736	14	of	of	ADP
cblr-2965	736	15	a	a	DET
cblr-2965	736	16	relevant	relevant	ADJ
cblr-2965	736	17	market	market	NOUN
cblr-2965	736	18	benchmark	benchmark	NOUN
cblr-2965	736	19	.	.	PUNCT
cblr-2965	737	1	64	64	NUM
cblr-2965	737	2	del	del	PROPN
cblr-2965	737	3	guercio	guercio	PROPN
cblr-2965	737	4	and	and	CCONJ
cblr-2965	737	5	tkac	tkac	PROPN
cblr-2965	737	6	examined	examine	VERB
cblr-2965	737	7	fund	fund	NOUN
cblr-2965	737	8	flows	flow	VERB
cblr-2965	737	9	into	into	ADP
cblr-2965	737	10	a	a	DET
cblr-2965	737	11	large	large	ADJ
cblr-2965	737	12	sample	sample	NOUN
cblr-2965	737	13	of	of	ADP
cblr-2965	737	14	equity	equity	NOUN
cblr-2965	737	15	mutual	mutual	ADJ
cblr-2965	737	16	funds	fund	NOUN
cblr-2965	737	17	managed	manage	VERB
cblr-2965	737	18	by	by	ADP
cblr-2965	737	19	a	a	DET
cblr-2965	737	20	total	total	NOUN
cblr-2965	737	21	of	of	ADP
cblr-2965	737	22	483	483	NUM
cblr-2965	737	23	fund	fund	NOUN
cblr-2965	737	24	managers	manager	NOUN
cblr-2965	737	25	in	in	ADP
cblr-2965	737	26	352	352	NUM
cblr-2965	737	27	different	different	ADJ
cblr-2965	737	28	fund	fund	NOUN
cblr-2965	737	29	families	family	NOUN
cblr-2965	737	30	.	.	PUNCT
cblr-2965	738	1	'65	'65	NUM
cblr-2965	738	2	they	they	PRON
cblr-2965	738	3	found	find	VERB
cblr-2965	738	4	that	that	SCONJ
cblr-2965	738	5	fund	fund	NOUN
cblr-2965	738	6	flow	flow	NOUN
cblr-2965	738	7	is	be	AUX
cblr-2965	738	8	not	not	PART
cblr-2965	738	9	negatively	negatively	ADV
cblr-2965	738	10	related	relate	VERB
cblr-2965	738	11	to	to	ADP
cblr-2965	738	12	the	the	DET
cblr-2965	738	13	fund	fund	NOUN
cblr-2965	738	14	's	's	PART
cblr-2965	738	15	tracking	tracking	NOUN
cblr-2965	738	16	error	error	NOUN
cblr-2965	738	17	.	.	PUNCT
cblr-2965	739	1	6	6	NUM
cblr-2965	739	2	6	6	NUM
cblr-2965	739	3	because	because	SCONJ
cblr-2965	739	4	tracking	tracking	NOUN
cblr-2965	739	5	error	error	NOUN
cblr-2965	739	6	is	be	AUX
cblr-2965	739	7	a	a	DET
cblr-2965	739	8	measure	measure	NOUN
cblr-2965	739	9	of	of	ADP
cblr-2965	739	10	diversifiable	diversifiable	ADJ
cblr-2965	739	11	risk	risk	NOUN
cblr-2965	739	12	,	,	PUNCT
cblr-2965	739	13	its	its	PRON
cblr-2965	739	14	lack	lack	NOUN
cblr-2965	739	15	of	of	ADP
cblr-2965	739	16	negative	negative	ADJ
cblr-2965	739	17	influence	influence	NOUN
cblr-2965	739	18	on	on	ADP
cblr-2965	739	19	fund	fund	NOUN
cblr-2965	739	20	flows	flow	NOUN
cblr-2965	739	21	indicates	indicate	VERB
cblr-2965	739	22	that	that	SCONJ
cblr-2965	739	23	investors	investor	NOUN
cblr-2965	739	24	do	do	AUX
cblr-2965	739	25	not	not	PART
cblr-2965	739	26	pay	pay	VERB
cblr-2965	739	27	attention	attention	NOUN
cblr-2965	739	28	to	to	ADP
cblr-2965	739	29	whether	whether	SCONJ
cblr-2965	739	30	a	a	DET
cblr-2965	739	31	fund	fund	NOUN
cblr-2965	739	32	reduces	reduce	VERB
cblr-2965	739	33	even	even	ADV
cblr-2965	739	34	diversifiable	diversifiable	ADJ
cblr-2965	739	35	risk	risk	NOUN
cblr-2965	739	36	.	.	PUNCT
cblr-2965	740	1	in	in	ADP
cblr-2965	740	2	contrast	contrast	NOUN
cblr-2965	740	3	,	,	PUNCT
cblr-2965	740	4	pension	pension	NOUN
cblr-2965	740	5	funds	fund	NOUN
cblr-2965	740	6	,	,	PUNCT
cblr-2965	740	7	which	which	PRON
cblr-2965	740	8	are	be	AUX
cblr-2965	740	9	run	run	VERB
cblr-2965	740	10	by	by	ADP
cblr-2965	740	11	managers	manager	NOUN
cblr-2965	740	12	who	who	PRON
cblr-2965	740	13	generally	generally	ADV
cblr-2965	740	14	are	be	AUX
cblr-2965	740	15	much	much	ADV
cblr-2965	740	16	more	more	ADV
cblr-2965	740	17	sophisticated	sophisticated	ADJ
cblr-2965	740	18	than	than	ADP
cblr-2965	740	19	most	most	ADJ
cblr-2965	740	20	mutual	mutual	ADJ
cblr-2965	740	21	fund	fund	NOUN
cblr-2965	740	22	investors	investor	NOUN
cblr-2965	740	23	,	,	PUNCT
cblr-2965	740	24	put	put	VERB
cblr-2965	740	25	less	less	ADJ
cblr-2965	740	26	money	money	NOUN
cblr-2965	740	27	in	in	ADP
cblr-2965	740	28	mutual	mutual	ADJ
cblr-2965	740	29	funds	fund	NOUN
cblr-2965	740	30	with	with	ADP
cblr-2965	740	31	greater	great	ADJ
cblr-2965	740	32	tracking	tracking	NOUN
cblr-2965	740	33	error	error	NOUN
cblr-2965	740	34	.	.	PUNCT
cblr-2965	741	1	2	2	X
cblr-2965	741	2	.	.	X
cblr-2965	741	3	only	only	ADV
cblr-2965	741	4	weak	weak	ADJ
cblr-2965	741	5	reliance	reliance	NOUN
cblr-2965	741	6	on	on	ADP
cblr-2965	741	7	risk	risk	NOUN
cblr-2965	741	8	ratings	rating	NOUN
cblr-2965	741	9	even	even	ADV
cblr-2965	741	10	though	though	SCONJ
cblr-2965	741	11	investors	investor	NOUN
cblr-2965	741	12	personally	personally	ADV
cblr-2965	741	13	do	do	AUX
cblr-2965	741	14	not	not	PART
cblr-2965	741	15	carefully	carefully	ADV
cblr-2965	741	16	consider	consider	VERB
cblr-2965	741	17	a	a	DET
cblr-2965	741	18	fund	fund	NOUN
cblr-2965	741	19	's	's	PART
cblr-2965	741	20	risk	risk	NOUN
cblr-2965	741	21	,	,	PUNCT
cblr-2965	741	22	many	many	ADJ
cblr-2965	741	23	investors	investor	NOUN
cblr-2965	741	24	use	use	VERB
cblr-2965	741	25	published	publish	VERB
cblr-2965	741	26	fund	fund	NOUN
cblr-2965	741	27	ratings	rating	NOUN
cblr-2965	741	28	or	or	CCONJ
cblr-2965	741	29	rankings	ranking	NOUN
cblr-2965	741	30	-	-	PUNCT
cblr-2965	741	31	such	such	ADJ
cblr-2965	741	32	as	as	ADP
cblr-2965	741	33	those	those	PRON
cblr-2965	741	34	from	from	ADP
cblr-2965	741	35	morningstar	morningstar	NOUN
cblr-2965	741	36	-	-	PUNCT
cblr-2965	741	37	that	that	PRON
cblr-2965	741	38	often	often	ADV
cblr-2965	741	39	incorporate	incorporate	VERB
cblr-2965	741	40	some	some	DET
cblr-2965	741	41	measure	measure	NOUN
cblr-2965	741	42	of	of	ADP
cblr-2965	741	43	risk	risk	NOUN
cblr-2965	741	44	.	.	PUNCT
cblr-2965	742	1	the	the	DET
cblr-2965	742	2	ici	ici	PROPN
cblr-2965	742	3	survey	survey	NOUN
cblr-2965	742	4	,	,	PUNCT
cblr-2965	742	5	for	for	ADP
cblr-2965	742	6	example	example	NOUN
cblr-2965	742	7	,	,	PUNCT
cblr-2965	742	8	found	find	VERB
cblr-2965	742	9	that	that	SCONJ
cblr-2965	742	10	35	35	NUM
cblr-2965	742	11	%	%	NOUN
cblr-2965	742	12	of	of	ADP
cblr-2965	742	13	investors	investor	NOUN
cblr-2965	742	14	review	review	VERB
cblr-2965	742	15	a	a	DET
cblr-2965	742	16	fund	fund	NOUN
cblr-2965	742	17	's	's	PART
cblr-2965	742	18	"	"	PUNCT
cblr-2965	742	19	rating	rating	NOUN
cblr-2965	742	20	from	from	ADP
cblr-2965	742	21	a	a	DET
cblr-2965	742	22	mutual	mutual	ADJ
cblr-2965	742	23	fund	fund	NOUN
cblr-2965	742	24	rating	rating	NOUN
cblr-2965	742	25	service	service	NOUN
cblr-2965	742	26	"	"	PUNCT
cblr-2965	742	27	before	before	ADP
cblr-2965	742	28	purchasing	purchase	VERB
cblr-2965	742	29	the	the	DET
cblr-2965	742	30	fund	fund	NOUN
cblr-2965	742	31	,	,	PUNCT
cblr-2965	742	32	and	and	CCONJ
cblr-2965	742	33	19	19	NUM
cblr-2965	742	34	%	%	NOUN
cblr-2965	742	35	call	call	NOUN
cblr-2965	742	36	it	it	PRON
cblr-2965	742	37	"	"	PUNCT
cblr-2965	742	38	very	very	ADV
cblr-2965	742	39	important	important	ADJ
cblr-2965	742	40	"	"	PUNCT
cblr-2965	742	41	to	to	ADP
cblr-2965	742	42	their	their	PRON
cblr-2965	742	43	final	final	ADJ
cblr-2965	742	44	decision	decision	NOUN
cblr-2965	742	45	to	to	PART
cblr-2965	742	46	invest	invest	VERB
cblr-2965	742	47	.	.	PUNCT
cblr-2965	743	1	'68	'68	NUM
cblr-2965	743	2	thus	thus	ADV
cblr-2965	743	3	,	,	PUNCT
cblr-2965	743	4	risk	risk	NOUN
cblr-2965	743	5	might	might	AUX
cblr-2965	743	6	affect	affect	VERB
cblr-2965	743	7	investors	investor	NOUN
cblr-2965	743	8	'	'	PART
cblr-2965	743	9	behavior	behavior	NOUN
cblr-2965	743	10	'	'	PUNCT
cblr-2965	743	11	i	i	PRON
cblr-2965	743	12	d.	d.	VERB
cblr-2965	743	13	at	at	ADP
cblr-2965	743	14	650	650	NUM
cblr-2965	743	15	fig.1	fig.1	PROPN
cblr-2965	743	16	.	.	PUNCT
cblr-2965	743	17	'	'	PUNCT
cblr-2965	744	1	del	del	PROPN
cblr-2965	744	2	guercio	guercio	PROPN
cblr-2965	744	3	&	&	CCONJ
cblr-2965	744	4	tkac	tkac	PROPN
cblr-2965	744	5	,	,	PUNCT
cblr-2965	744	6	supra	supra	PROPN
cblr-2965	744	7	note	note	PROPN
cblr-2965	744	8	161	161	NUM
cblr-2965	744	9	,	,	PUNCT
cblr-2965	744	10	at	at	ADP
cblr-2965	744	11	525	525	NUM
cblr-2965	744	12	.	.	PUNCT
cblr-2965	744	13	165	165	NUM
cblr-2965	745	1	i	i	PRON
cblr-2965	745	2	d.	d.	PROPN
cblr-2965	745	3	at	at	ADP
cblr-2965	745	4	533	533	NUM
cblr-2965	745	5	.	.	PUNCT
cblr-2965	745	6	"	"	PUNCT
cblr-2965	746	1	depending	depend	VERB
cblr-2965	746	2	on	on	ADP
cblr-2965	746	3	the	the	DET
cblr-2965	746	4	measure	measure	NOUN
cblr-2965	746	5	of	of	ADP
cblr-2965	746	6	fund	fund	NOUN
cblr-2965	746	7	flow	flow	NOUN
cblr-2965	746	8	used	use	VERB
cblr-2965	746	9	,	,	PUNCT
cblr-2965	746	10	they	they	PRON
cblr-2965	746	11	found	find	VERB
cblr-2965	746	12	that	that	SCONJ
cblr-2965	746	13	tracking	tracking	NOUN
cblr-2965	746	14	error	error	NOUN
cblr-2965	746	15	either	either	CCONJ
cblr-2965	746	16	had	have	VERB
cblr-2965	746	17	a	a	DET
cblr-2965	746	18	statistically	statistically	ADV
cblr-2965	746	19	insignificant	insignificant	ADJ
cblr-2965	746	20	effect	effect	NOUN
cblr-2965	746	21	on	on	ADP
cblr-2965	746	22	fund	fund	NOUN
cblr-2965	746	23	flow	flow	NOUN
cblr-2965	746	24	or	or	CCONJ
cblr-2965	746	25	a	a	DET
cblr-2965	746	26	statistically	statistically	ADV
cblr-2965	746	27	significant	significant	ADJ
cblr-2965	746	28	positive	positive	ADJ
cblr-2965	746	29	effect	effect	NOUN
cblr-2965	746	30	on	on	ADP
cblr-2965	746	31	fund	fund	NOUN
cblr-2965	746	32	flow	flow	NOUN
cblr-2965	746	33	.	.	PUNCT
cblr-2965	747	1	i	i	PRON
cblr-2965	747	2	d.	d.	PROPN
cblr-2965	747	3	at	at	ADP
cblr-2965	747	4	539	539	NUM
cblr-2965	747	5	.	.	PUNCT
cblr-2965	748	1	187	187	NUM
cblr-2965	749	1	i	i	PRON
cblr-2965	749	2	d.	d.	PROPN
cblr-2965	749	3	16	16	NUM
cblr-2965	749	4	ici	ici	PROPN
cblr-2965	749	5	,	,	PUNCT
cblr-2965	749	6	investor	investor	NOUN
cblr-2965	749	7	preferences	preference	NOUN
cblr-2965	749	8	,	,	PUNCT
cblr-2965	749	9	supra	supra	PROPN
cblr-2965	749	10	note	note	NOUN
cblr-2965	749	11	31	31	NUM
cblr-2965	749	12	,	,	PUNCT
cblr-2965	749	13	at	at	ADP
cblr-2965	749	14	10	10	NUM
cblr-2965	749	15	fig.6	fig.6	PROPN
cblr-2965	749	16	.	.	PUNCT
cblr-2965	750	1	no	no	INTJ
cblr-2965	750	2	.	.	PUNCT
cblr-2965	751	1	3:9341	3:9341	NUM
cblr-2965	751	2	indirectly	indirectly	ADV
cblr-2965	751	3	by	by	ADP
cblr-2965	751	4	being	be	AUX
cblr-2965	751	5	incorporated	incorporate	VERB
cblr-2965	751	6	in	in	ADP
cblr-2965	751	7	influential	influential	ADJ
cblr-2965	751	8	third	third	ADJ
cblr-2965	751	9	-	-	PUNCT
cblr-2965	751	10	party	party	NOUN
cblr-2965	751	11	advice	advice	NOUN
cblr-2965	751	12	.	.	PUNCT
cblr-2965	752	1	69	69	NUM
cblr-2965	753	1	but	but	CCONJ
cblr-2965	753	2	reliance	reliance	NOUN
cblr-2965	753	3	on	on	ADP
cblr-2965	753	4	third	third	ADJ
cblr-2965	753	5	-	-	PUNCT
cblr-2965	753	6	party	party	NOUN
cblr-2965	753	7	advice	advice	NOUN
cblr-2965	753	8	does	do	AUX
cblr-2965	753	9	not	not	PART
cblr-2965	753	10	appear	appear	VERB
cblr-2965	753	11	to	to	PART
cblr-2965	753	12	markedly	markedly	ADV
cblr-2965	753	13	increase	increase	VERB
cblr-2965	753	14	investors	investor	NOUN
cblr-2965	753	15	'	'	PART
cblr-2965	753	16	sensitivity	sensitivity	NOUN
cblr-2965	753	17	to	to	PART
cblr-2965	753	18	fund	fund	VERB
cblr-2965	753	19	risk	risk	NOUN
cblr-2965	753	20	.	.	PUNCT
cblr-2965	754	1	although	although	SCONJ
cblr-2965	754	2	there	there	PRON
cblr-2965	754	3	is	be	VERB
cblr-2965	754	4	a	a	DET
cblr-2965	754	5	positive	positive	ADJ
cblr-2965	754	6	relationship	relationship	NOUN
cblr-2965	754	7	between	between	ADP
cblr-2965	754	8	flow	flow	NOUN
cblr-2965	754	9	and	and	CCONJ
cblr-2965	754	10	funds	fund	NOUN
cblr-2965	754	11	'	'	PART
cblr-2965	754	12	risk	risk	NOUN
cblr-2965	754	13	-	-	PUNCT
cblr-2965	754	14	adjusted	adjust	VERB
cblr-2965	754	15	returns	return	NOUN
cblr-2965	754	16	,	,	PUNCT
cblr-2965	754	17	it	it	PRON
cblr-2965	754	18	is	be	AUX
cblr-2965	754	19	not	not	PART
cblr-2965	754	20	as	as	ADV
cblr-2965	754	21	strong	strong	ADJ
cblr-2965	754	22	as	as	ADP
cblr-2965	754	23	the	the	DET
cblr-2965	754	24	positive	positive	ADJ
cblr-2965	754	25	relationship	relationship	NOUN
cblr-2965	754	26	between	between	ADP
cblr-2965	754	27	flow	flow	NOUN
cblr-2965	754	28	and	and	CCONJ
cblr-2965	754	29	non	non	ADJ
cblr-2965	754	30	-	-	ADJ
cblr-2965	754	31	adjusted	adjusted	ADJ
cblr-2965	754	32	returns.7	returns.7	NOUN
cblr-2965	754	33	°	°	CCONJ
cblr-2965	755	1	that	that	PRON
cblr-2965	755	2	is	be	AUX
cblr-2965	755	3	,	,	PUNCT
cblr-2965	755	4	fund	fund	NOUN
cblr-2965	755	5	investors	investor	NOUN
cblr-2965	755	6	focus	focus	VERB
cblr-2965	755	7	on	on	ADP
cblr-2965	755	8	past	past	ADJ
cblr-2965	755	9	returns	return	NOUN
cblr-2965	755	10	rather	rather	ADV
cblr-2965	755	11	than	than	ADP
cblr-2965	755	12	risk	risk	NOUN
cblr-2965	755	13	.	.	PUNCT
cblr-2965	756	1	3	3	X
cblr-2965	756	2	.	.	X
cblr-2965	756	3	summary	summary	NOUN
cblr-2965	756	4	and	and	CCONJ
cblr-2965	756	5	analysis	analysis	NOUN
cblr-2965	756	6	fund	fund	NOUN
cblr-2965	756	7	investors	investor	NOUN
cblr-2965	756	8	do	do	AUX
cblr-2965	756	9	not	not	PART
cblr-2965	756	10	seem	seem	VERB
cblr-2965	756	11	to	to	PART
cblr-2965	756	12	understand	understand	VERB
cblr-2965	756	13	or	or	CCONJ
cblr-2965	756	14	take	take	VERB
cblr-2965	756	15	into	into	ADP
cblr-2965	756	16	account	account	NOUN
cblr-2965	756	17	fund	fund	NOUN
cblr-2965	756	18	risk	risk	NOUN
cblr-2965	756	19	.	.	PUNCT
cblr-2965	757	1	they	they	PRON
cblr-2965	757	2	ignore	ignore	VERB
cblr-2965	757	3	standard	standard	ADJ
cblr-2965	757	4	measures	measure	NOUN
cblr-2965	757	5	of	of	ADP
cblr-2965	757	6	fund	fund	NOUN
cblr-2965	757	7	risk	risk	NOUN
cblr-2965	757	8	and	and	CCONJ
cblr-2965	757	9	risk	risk	NOUN
cblr-2965	757	10	does	do	AUX
cblr-2965	757	11	not	not	PART
cblr-2965	757	12	have	have	VERB
cblr-2965	757	13	a	a	DET
cblr-2965	757	14	substantial	substantial	ADJ
cblr-2965	757	15	impact	impact	NOUN
cblr-2965	757	16	on	on	ADP
cblr-2965	757	17	their	their	PRON
cblr-2965	757	18	choice	choice	NOUN
cblr-2965	757	19	of	of	ADP
cblr-2965	757	20	funds	fund	NOUN
cblr-2965	757	21	.	.	PUNCT
cblr-2965	758	1	c.	c.	PROPN
cblr-2965	758	2	investors	investor	NOUN
cblr-2965	758	3	pay	pay	VERB
cblr-2965	758	4	insufficient	insufficient	ADJ
cblr-2965	758	5	attention	attention	NOUN
cblr-2965	758	6	to	to	ADP
cblr-2965	758	7	fees	fee	NOUN
cblr-2965	758	8	and	and	CCONJ
cblr-2965	758	9	expenses	expense	NOUN
cblr-2965	758	10	fund	fund	NOUN
cblr-2965	758	11	investors	investor	NOUN
cblr-2965	758	12	also	also	ADV
cblr-2965	758	13	pay	pay	VERB
cblr-2965	758	14	too	too	ADV
cblr-2965	758	15	little	little	ADJ
cblr-2965	758	16	attention	attention	NOUN
cblr-2965	758	17	to	to	ADP
cblr-2965	758	18	fund	fund	NOUN
cblr-2965	758	19	fees	fee	NOUN
cblr-2965	758	20	and	and	CCONJ
cblr-2965	758	21	expenses	expense	NOUN
cblr-2965	758	22	,	,	PUNCT
cblr-2965	758	23	particularly	particularly	ADV
cblr-2965	758	24	the	the	DET
cblr-2965	758	25	regular	regular	ADJ
cblr-2965	758	26	costs	cost	NOUN
cblr-2965	758	27	that	that	PRON
cblr-2965	758	28	funds	fund	NOUN
cblr-2965	758	29	incur	incur	VERB
cblr-2965	758	30	,	,	PUNCT
cblr-2965	758	31	such	such	ADJ
cblr-2965	758	32	as	as	ADP
cblr-2965	758	33	management	management	NOUN
cblr-2965	758	34	fees	fee	NOUN
cblr-2965	758	35	.	.	PUNCT
cblr-2965	759	1	overall	overall	ADJ
cblr-2965	759	2	,	,	PUNCT
cblr-2965	759	3	studies	study	NOUN
cblr-2965	759	4	of	of	ADP
cblr-2965	759	5	the	the	DET
cblr-2965	759	6	actual	actual	ADJ
cblr-2965	759	7	knowledge	knowledge	NOUN
cblr-2965	759	8	and	and	CCONJ
cblr-2965	759	9	behavior	behavior	NOUN
cblr-2965	759	10	of	of	ADP
cblr-2965	759	11	investors	investor	NOUN
cblr-2965	759	12	show	show	VERB
cblr-2965	759	13	that	that	SCONJ
cblr-2965	759	14	fund	fund	NOUN
cblr-2965	759	15	fees	fee	NOUN
cblr-2965	759	16	and	and	CCONJ
cblr-2965	759	17	expenses	expense	NOUN
cblr-2965	759	18	matter	matter	VERB
cblr-2965	759	19	little	little	ADJ
cblr-2965	759	20	to	to	ADP
cblr-2965	759	21	many	many	ADJ
cblr-2965	759	22	investors	investor	NOUN
cblr-2965	759	23	.	.	PUNCT
cblr-2965	760	1	these	these	DET
cblr-2965	760	2	studies	study	NOUN
cblr-2965	760	3	are	be	AUX
cblr-2965	760	4	at	at	ADP
cblr-2965	760	5	odds	odd	NOUN
cblr-2965	760	6	with	with	ADP
cblr-2965	760	7	the	the	DET
cblr-2965	760	8	self	self	NOUN
cblr-2965	760	9	-	-	PUNCT
cblr-2965	760	10	reporting	reporting	NOUN
cblr-2965	760	11	by	by	ADP
cblr-2965	760	12	fund	fund	NOUN
cblr-2965	760	13	investors	investor	NOUN
cblr-2965	760	14	in	in	ADP
cblr-2965	760	15	the	the	DET
cblr-2965	760	16	ici	ici	NOUN
cblr-2965	760	17	survey	survey	NOUN
cblr-2965	760	18	,	,	PUNCT
cblr-2965	760	19	in	in	ADP
cblr-2965	760	20	which	which	PRON
cblr-2965	760	21	74	74	NUM
cblr-2965	760	22	%	%	NOUN
cblr-2965	760	23	of	of	ADP
cblr-2965	760	24	those	those	PRON
cblr-2965	760	25	surveyed	survey	VERB
cblr-2965	760	26	claimed	claim	VERB
cblr-2965	760	27	to	to	PART
cblr-2965	760	28	review	review	VERB
cblr-2965	760	29	fund	fund	NOUN
cblr-2965	760	30	fees	fee	NOUN
cblr-2965	760	31	and	and	CCONJ
cblr-2965	760	32	expenses	expense	NOUN
cblr-2965	760	33	before	before	ADP
cblr-2965	760	34	investing	investing	NOUN
cblr-2965	760	35	,	,	PUNCT
cblr-2965	760	36	making	make	VERB
cblr-2965	760	37	that	that	DET
cblr-2965	760	38	information	information	NOUN
cblr-2965	760	39	the	the	DET
cblr-2965	760	40	most	most	ADV
cblr-2965	760	41	commonly	commonly	ADV
cblr-2965	760	42	reviewed	review	VERB
cblr-2965	760	43	information	information	NOUN
cblr-2965	760	44	.	.	PUNCT
cblr-2965	761	1	7	7	X
cblr-2965	761	2	'	'	PUNCT
cblr-2965	761	3	these	these	DET
cblr-2965	761	4	studies	study	NOUN
cblr-2965	761	5	also	also	ADV
cblr-2965	761	6	suggest	suggest	VERB
cblr-2965	761	7	that	that	SCONJ
cblr-2965	761	8	the	the	DET
cblr-2965	761	9	sec	sec	PROPN
cblr-2965	761	10	's	's	PART
cblr-2965	761	11	heavy	heavy	ADJ
cblr-2965	761	12	reliance	reliance	NOUN
cblr-2965	761	13	on	on	ADP
cblr-2965	761	14	fund	fund	NOUN
cblr-2965	761	15	investors	investor	NOUN
cblr-2965	761	16	(	(	PUNCT
cblr-2965	761	17	"	"	PUNCT
cblr-2965	761	18	the	the	DET
cblr-2965	761	19	market	market	NOUN
cblr-2965	761	20	"	"	PUNCT
cblr-2965	761	21	)	)	PUNCT
cblr-2965	761	22	to	to	PART
cblr-2965	761	23	control	control	VERB
cblr-2965	761	24	fees	fee	NOUN
cblr-2965	761	25	and	and	CCONJ
cblr-2965	761	26	expenses	expense	NOUN
cblr-2965	761	27	is	be	AUX
cblr-2965	761	28	misguided	misguided	ADJ
cblr-2965	761	29	.	.	PUNCT
cblr-2965	761	30	169	169	NUM
cblr-2965	761	31	del	del	PROPN
cblr-2965	761	32	guercio	guercio	PROPN
cblr-2965	761	33	&	&	CCONJ
cblr-2965	761	34	tkac	tkac	PROPN
cblr-2965	761	35	,	,	PUNCT
cblr-2965	761	36	supra	supra	PROPN
cblr-2965	761	37	note	note	PROPN
cblr-2965	761	38	161	161	NUM
cblr-2965	761	39	,	,	PUNCT
cblr-2965	761	40	at	at	ADP
cblr-2965	761	41	525	525	NUM
cblr-2965	761	42	(	(	PUNCT
cblr-2965	761	43	finding	find	VERB
cblr-2965	761	44	evidence	evidence	NOUN
cblr-2965	761	45	that	that	SCONJ
cblr-2965	761	46	the	the	DET
cblr-2965	761	47	positive	positive	ADJ
cblr-2965	761	48	relationship	relationship	NOUN
cblr-2965	761	49	between	between	ADP
cblr-2965	761	50	fund	fund	NOUN
cblr-2965	761	51	flow	flow	NOUN
cblr-2965	761	52	and	and	CCONJ
cblr-2965	761	53	jensen	jensen	PROPN
cblr-2965	761	54	's	's	PART
cblr-2965	761	55	alphaa	alphaa	PROPN
cblr-2965	761	56	risk	risk	NOUN
cblr-2965	761	57	-	-	PUNCT
cblr-2965	761	58	adjusted	adjust	VERB
cblr-2965	761	59	performance	performance	NOUN
cblr-2965	761	60	measure	measure	NOUN
cblr-2965	761	61	-	-	PUNCT
cblr-2965	761	62	is	be	AUX
cblr-2965	761	63	due	due	ADJ
cblr-2965	761	64	to	to	ADP
cblr-2965	761	65	a	a	DET
cblr-2965	761	66	high	high	ADJ
cblr-2965	761	67	correlation	correlation	NOUN
cblr-2965	761	68	between	between	ADP
cblr-2965	761	69	jensen	jensen	PROPN
cblr-2965	761	70	's	's	PART
cblr-2965	761	71	alpha	alpha	NOUN
cblr-2965	761	72	and	and	CCONJ
cblr-2965	761	73	"	"	PUNCT
cblr-2965	761	74	widely	widely	ADV
cblr-2965	761	75	available	available	ADJ
cblr-2965	761	76	summary	summary	NOUN
cblr-2965	761	77	performance	performance	NOUN
cblr-2965	761	78	measures	measure	NOUN
cblr-2965	761	79	,	,	PUNCT
cblr-2965	761	80	such	such	ADJ
cblr-2965	761	81	as	as	ADP
cblr-2965	761	82	morningstar	morningstar	NOUN
cblr-2965	761	83	's	's	PART
cblr-2965	761	84	star	star	NOUN
cblr-2965	761	85	rating	rating	NOUN
cblr-2965	761	86	"	"	PUNCT
cblr-2965	761	87	)	)	PUNCT
cblr-2965	761	88	.	.	PUNCT
cblr-2965	762	1	170	170	NUM
cblr-2965	763	1	i	i	PRON
cblr-2965	763	2	d.	d.	PROPN
cblr-2965	763	3	171	171	NUM
cblr-2965	763	4	ici	ici	PROPN
cblr-2965	763	5	,	,	PUNCT
cblr-2965	763	6	investor	investor	NOUN
cblr-2965	763	7	preferences	preference	NOUN
cblr-2965	763	8	,	,	PUNCT
cblr-2965	763	9	supra	supra	PROPN
cblr-2965	763	10	note	note	NOUN
cblr-2965	763	11	31	31	NUM
cblr-2965	763	12	,	,	PUNCT
cblr-2965	763	13	at	at	ADP
cblr-2965	763	14	3	3	NUM
cblr-2965	763	15	fig.1	fig.1	PROPN
cblr-2965	763	16	.	.	PUNCT
cblr-2965	764	1	col	col	PROPN
cblr-2965	764	2	umbia	umbia	PROPN
cblr-2965	764	3	b	b	PROPN
cblr-2965	764	4	usiness	usiness	PROPN
cblr-2965	764	5	la	la	PROPN
cblr-2965	764	6	w	w	PROPN
cblr-2965	764	7	re	re	PROPN
cblr-2965	764	8	vie	vie	PROPN
cblr-2965	764	9	w	w	PROPN
cblr-2965	765	1	[	[	X
cblr-2965	765	2	vol	vol	NOUN
cblr-2965	765	3	.	.	NOUN
cblr-2965	765	4	2008	2008	NUM
cblr-2965	765	5	1	1	NUM
cblr-2965	765	6	.	.	PUNCT
cblr-2965	766	1	surveys	survey	NOUN
cblr-2965	766	2	of	of	ADP
cblr-2965	766	3	fund	fund	NOUN
cblr-2965	766	4	investors	investor	NOUN
cblr-2965	766	5	surveys	survey	NOUN
cblr-2965	766	6	of	of	ADP
cblr-2965	766	7	fund	fund	NOUN
cblr-2965	766	8	investors	investor	NOUN
cblr-2965	766	9	have	have	AUX
cblr-2965	766	10	shown	show	VERB
cblr-2965	766	11	that	that	SCONJ
cblr-2965	766	12	they	they	PRON
cblr-2965	766	13	pay	pay	VERB
cblr-2965	766	14	little	little	ADJ
cblr-2965	766	15	attention	attention	NOUN
cblr-2965	766	16	to	to	ADP
cblr-2965	766	17	fund	fund	NOUN
cblr-2965	766	18	fees	fee	NOUN
cblr-2965	766	19	and	and	CCONJ
cblr-2965	766	20	expenses	expense	NOUN
cblr-2965	766	21	.	.	PUNCT
cblr-2965	767	1	for	for	ADP
cblr-2965	767	2	example	example	NOUN
cblr-2965	767	3	,	,	PUNCT
cblr-2965	767	4	in	in	ADP
cblr-2965	767	5	a	a	DET
cblr-2965	767	6	survey	survey	NOUN
cblr-2965	767	7	sponsored	sponsor	VERB
cblr-2965	767	8	by	by	ADP
cblr-2965	767	9	the	the	DET
cblr-2965	767	10	sec	sec	PROPN
cblr-2965	767	11	and	and	CCONJ
cblr-2965	767	12	the	the	DET
cblr-2965	767	13	office	office	NOUN
cblr-2965	767	14	of	of	ADP
cblr-2965	767	15	the	the	DET
cblr-2965	767	16	comptroller	comptroller	NOUN
cblr-2965	767	17	of	of	ADP
cblr-2965	767	18	the	the	DET
cblr-2965	767	19	currency	currency	NOUN
cblr-2965	767	20	of	of	ADP
cblr-2965	767	21	2000	2000	NUM
cblr-2965	767	22	randomly	randomly	ADV
cblr-2965	767	23	-	-	PUNCT
cblr-2965	767	24	selected	select	VERB
cblr-2965	767	25	mutual	mutual	ADJ
cblr-2965	767	26	fund	fund	NOUN
cblr-2965	767	27	investors	investor	NOUN
cblr-2965	767	28	,	,	PUNCT
cblr-2965	767	29	only	only	ADV
cblr-2965	767	30	19	19	NUM
cblr-2965	767	31	%	%	NOUN
cblr-2965	767	32	of	of	ADP
cblr-2965	767	33	those	those	PRON
cblr-2965	767	34	surveyed	survey	VERB
cblr-2965	767	35	could	could	AUX
cblr-2965	767	36	give	give	VERB
cblr-2965	767	37	even	even	ADV
cblr-2965	767	38	an	an	DET
cblr-2965	767	39	estimate	estimate	NOUN
cblr-2965	767	40	of	of	ADP
cblr-2965	767	41	the	the	DET
cblr-2965	767	42	expenses	expense	NOUN
cblr-2965	767	43	of	of	ADP
cblr-2965	767	44	their	their	PRON
cblr-2965	767	45	largest	large	ADJ
cblr-2965	767	46	mutual	mutual	ADJ
cblr-2965	767	47	fund	fund	NOUN
cblr-2965	767	48	holding	holding	NOUN
cblr-2965	767	49	.	.	PUNCT
cblr-2965	768	1	7	7	NUM
cblr-2965	768	2	2	2	NUM
cblr-2965	768	3	in	in	ADP
cblr-2965	768	4	addition	addition	NOUN
cblr-2965	768	5	,	,	PUNCT
cblr-2965	768	6	only	only	ADV
cblr-2965	768	7	43	43	NUM
cblr-2965	768	8	%	%	NOUN
cblr-2965	768	9	claimed	claim	VERB
cblr-2965	768	10	to	to	PART
cblr-2965	768	11	have	have	AUX
cblr-2965	768	12	known	know	VERB
cblr-2965	768	13	the	the	DET
cblr-2965	768	14	fund	fund	NOUN
cblr-2965	768	15	's	's	PART
cblr-2965	768	16	expenses	expense	NOUN
cblr-2965	768	17	at	at	ADP
cblr-2965	768	18	the	the	DET
cblr-2965	768	19	time	time	NOUN
cblr-2965	768	20	they	they	PRON
cblr-2965	768	21	first	first	ADV
cblr-2965	768	22	purchased	purchase	VERB
cblr-2965	768	23	it	it	PRON
cblr-2965	768	24	.	.	PUNCT
cblr-2965	768	25	'	'	PUNCT
cblr-2965	769	1	73	73	NUM
cblr-2965	769	2	similarly	similarly	ADV
cblr-2965	769	3	,	,	PUNCT
cblr-2965	769	4	wallison	wallison	NOUN
cblr-2965	769	5	and	and	CCONJ
cblr-2965	769	6	litan	litan	ADJ
cblr-2965	769	7	surveyed	survey	VERB
cblr-2965	769	8	mutual	mutual	ADJ
cblr-2965	769	9	fund	fund	NOUN
cblr-2965	769	10	investors	investor	NOUN
cblr-2965	770	1	and	and	CCONJ
cblr-2965	771	1	asked	ask	VERB
cblr-2965	771	2	them	they	PRON
cblr-2965	771	3	to	to	PART
cblr-2965	771	4	rate	rate	VERB
cblr-2965	771	5	(	(	PUNCT
cblr-2965	771	6	on	on	ADP
cblr-2965	771	7	a	a	DET
cblr-2965	771	8	scale	scale	NOUN
cblr-2965	771	9	of	of	ADP
cblr-2965	771	10	one	one	NUM
cblr-2965	771	11	to	to	PART
cblr-2965	771	12	ten	ten	NUM
cblr-2965	771	13	)	)	PUNCT
cblr-2965	771	14	how	how	SCONJ
cblr-2965	771	15	informed	informed	ADJ
cblr-2965	771	16	they	they	PRON
cblr-2965	771	17	were	be	AUX
cblr-2965	771	18	about	about	ADP
cblr-2965	771	19	their	their	PRON
cblr-2965	771	20	own	own	ADJ
cblr-2965	771	21	mutual	mutual	ADJ
cblr-2965	771	22	fund	fund	NOUN
cblr-2965	771	23	investments	investment	NOUN
cblr-2965	771	24	.	.	PUNCT
cblr-2965	772	1	'74	'74	NUM
cblr-2965	772	2	only	only	ADV
cblr-2965	772	3	21	21	NUM
cblr-2965	772	4	%	%	NOUN
cblr-2965	772	5	of	of	ADP
cblr-2965	772	6	those	those	DET
cblr-2965	772	7	investors	investor	NOUN
cblr-2965	772	8	rated	rate	VERB
cblr-2965	772	9	their	their	PRON
cblr-2965	772	10	knowledge	knowledge	NOUN
cblr-2965	772	11	highly	highly	ADV
cblr-2965	772	12	(	(	PUNCT
cblr-2965	772	13	eight	eight	NUM
cblr-2965	772	14	or	or	CCONJ
cblr-2965	772	15	above	above	ADV
cblr-2965	772	16	)	)	PUNCT
cblr-2965	772	17	.	.	PUNCT
cblr-2965	773	1	but	but	CCONJ
cblr-2965	773	2	fewer	few	ADJ
cblr-2965	773	3	than	than	ADP
cblr-2965	773	4	10	10	NUM
cblr-2965	773	5	%	%	NOUN
cblr-2965	773	6	of	of	ADP
cblr-2965	773	7	even	even	ADV
cblr-2965	773	8	that	that	DET
cblr-2965	773	9	self	self	NOUN
cblr-2965	773	10	-	-	PUNCT
cblr-2965	773	11	described	describe	VERB
cblr-2965	773	12	knowledgeable	knowledgeable	ADJ
cblr-2965	773	13	subgroup	subgroup	NOUN
cblr-2965	773	14	"	"	PUNCT
cblr-2965	773	15	knew	know	VERB
cblr-2965	773	16	even	even	ADV
cblr-2965	773	17	approximately	approximately	ADV
cblr-2965	773	18	what	what	PRON
cblr-2965	773	19	they	they	PRON
cblr-2965	773	20	were	be	AUX
cblr-2965	773	21	paying	pay	VERB
cblr-2965	773	22	as	as	ADP
cblr-2965	773	23	an	an	DET
cblr-2965	773	24	advisory	advisory	ADJ
cblr-2965	773	25	fee	fee	NOUN
cblr-2965	773	26	.	.	PUNCT
cblr-2965	773	27	"	"	PUNCT
cblr-2965	774	1	7	7	NUM
cblr-2965	774	2	'	'	PUNCT
cblr-2965	774	3	also	also	ADV
cblr-2965	774	4	,	,	PUNCT
cblr-2965	774	5	capon	capon	PROPN
cblr-2965	774	6	et	et	NOUN
cblr-2965	774	7	al	al	PROPN
cblr-2965	774	8	.	.	PROPN
cblr-2965	774	9	's	's	PART
cblr-2965	774	10	survey	survey	NOUN
cblr-2965	774	11	of	of	ADP
cblr-2965	774	12	mutual	mutual	ADJ
cblr-2965	774	13	fund	fund	NOUN
cblr-2965	774	14	investors	investor	NOUN
cblr-2965	774	15	asked	ask	VERB
cblr-2965	774	16	them	they	PRON
cblr-2965	774	17	to	to	PART
cblr-2965	774	18	rate	rate	VERB
cblr-2965	774	19	the	the	DET
cblr-2965	774	20	importance	importance	NOUN
cblr-2965	774	21	of	of	ADP
cblr-2965	774	22	nine	nine	NUM
cblr-2965	774	23	particular	particular	ADJ
cblr-2965	774	24	factors	factor	NOUN
cblr-2965	774	25	in	in	ADP
cblr-2965	774	26	choosing	choose	VERB
cblr-2965	774	27	a	a	DET
cblr-2965	774	28	mutual	mutual	ADJ
cblr-2965	774	29	fund	fund	NOUN
cblr-2965	774	30	.	.	PUNCT
cblr-2965	775	1	'76	'76	NUM
cblr-2965	775	2	the	the	DET
cblr-2965	775	3	ratings	rating	NOUN
cblr-2965	775	4	could	could	AUX
cblr-2965	775	5	range	range	VERB
cblr-2965	775	6	from	from	ADP
cblr-2965	775	7	one	one	NUM
cblr-2965	775	8	(	(	PUNCT
cblr-2965	775	9	"	"	PUNCT
cblr-2965	775	10	not	not	PART
cblr-2965	775	11	at	at	ADV
cblr-2965	775	12	all	all	ADV
cblr-2965	775	13	important	important	ADJ
cblr-2965	775	14	"	"	PUNCT
cblr-2965	775	15	)	)	PUNCT
cblr-2965	775	16	to	to	ADP
cblr-2965	775	17	five	five	NUM
cblr-2965	775	18	(	(	PUNCT
cblr-2965	775	19	"	"	PUNCT
cblr-2965	775	20	extremely	extremely	ADV
cblr-2965	775	21	important	important	ADJ
cblr-2965	775	22	"	"	PUNCT
cblr-2965	775	23	)	)	PUNCT
cblr-2965	775	24	.	.	PUNCT
cblr-2965	776	1	the	the	DET
cblr-2965	776	2	respondents	respondent	NOUN
cblr-2965	776	3	gave	give	VERB
cblr-2965	776	4	management	management	NOUN
cblr-2965	776	5	fees	fee	NOUN
cblr-2965	776	6	an	an	DET
cblr-2965	776	7	average	average	ADJ
cblr-2965	776	8	rating	rating	NOUN
cblr-2965	776	9	of	of	ADP
cblr-2965	776	10	only	only	ADV
cblr-2965	776	11	2.28	2.28	NUM
cblr-2965	776	12	,	,	PUNCT
cblr-2965	776	13	thus	thus	ADV
cblr-2965	776	14	ranking	rank	VERB
cblr-2965	776	15	it	it	PRON
cblr-2965	776	16	only	only	ADV
cblr-2965	776	17	fifth	fifth	ADJ
cblr-2965	776	18	among	among	ADP
cblr-2965	776	19	the	the	DET
cblr-2965	776	20	nine	nine	NUM
cblr-2965	776	21	factors	factor	NOUN
cblr-2965	776	22	.	.	PUNCT
cblr-2965	776	23	'77	'77	NUM
cblr-2965	776	24	in	in	ADP
cblr-2965	776	25	addition	addition	NOUN
cblr-2965	776	26	,	,	PUNCT
cblr-2965	776	27	wilcox	wilcox	PROPN
cblr-2965	776	28	's	's	PART
cblr-2965	776	29	study	study	NOUN
cblr-2965	776	30	asked	ask	VERB
cblr-2965	776	31	fund	fund	NOUN
cblr-2965	776	32	investors	investor	NOUN
cblr-2965	776	33	to	to	PART
cblr-2965	776	34	choose	choose	VERB
cblr-2965	776	35	among	among	ADP
cblr-2965	776	36	hypothetical	hypothetical	ADJ
cblr-2965	776	37	stock	stock	NOUN
cblr-2965	776	38	mutual	mutual	ADJ
cblr-2965	776	39	funds	fund	NOUN
cblr-2965	776	40	differing	differ	VERB
cblr-2965	776	41	in	in	ADP
cblr-2965	776	42	up	up	ADP
cblr-2965	776	43	to	to	PART
cblr-2965	776	44	six	six	NUM
cblr-2965	776	45	172	172	NUM
cblr-2965	776	46	alexander	alexander	PROPN
cblr-2965	776	47	et	et	PROPN
cblr-2965	776	48	al	al	PROPN
cblr-2965	776	49	.	.	PROPN
cblr-2965	776	50	,	,	PUNCT
cblr-2965	776	51	supra	supra	PROPN
cblr-2965	776	52	note	note	PROPN
cblr-2965	776	53	151	151	NUM
cblr-2965	776	54	,	,	PUNCT
cblr-2965	776	55	at	at	ADP
cblr-2965	776	56	309	309	NUM
cblr-2965	776	57	tbl.5	tbl.5	NOUN
cblr-2965	776	58	.	.	PUNCT
cblr-2965	777	1	173	173	NUM
cblr-2965	778	1	i	i	PROPN
cblr-2965	778	2	d.	d.	PROPN
cblr-2965	778	3	174	174	NUM
cblr-2965	778	4	peter	peter	PROPN
cblr-2965	778	5	j.	j.	PROPN
cblr-2965	778	6	wallison	wallison	PROPN
cblr-2965	778	7	&	&	CCONJ
cblr-2965	778	8	robert	robert	PROPN
cblr-2965	778	9	e.	e.	PROPN
cblr-2965	778	10	litan	litan	PROPN
cblr-2965	778	11	,	,	PUNCT
cblr-2965	778	12	competitive	competitive	ADJ
cblr-2965	778	13	equity	equity	NOUN
cblr-2965	778	14	:	:	PUNCT
cblr-2965	778	15	a	a	DET
cblr-2965	778	16	better	well	ADJ
cblr-2965	778	17	way	way	NOUN
cblr-2965	778	18	to	to	PART
cblr-2965	778	19	organize	organize	VERB
cblr-2965	778	20	mutual	mutual	ADJ
cblr-2965	778	21	funds	fund	NOUN
cblr-2965	778	22	72	72	NUM
cblr-2965	778	23	-	-	SYM
cblr-2965	778	24	73	73	NUM
cblr-2965	778	25	(	(	PUNCT
cblr-2965	778	26	2007	2007	NUM
cblr-2965	778	27	)	)	PUNCT
cblr-2965	778	28	.	.	PUNCT
cblr-2965	779	1	175	175	NUM
cblr-2965	780	1	i	i	PRON
cblr-2965	780	2	d.	d.	PROPN
cblr-2965	780	3	at	at	ADP
cblr-2965	780	4	73	73	NUM
cblr-2965	780	5	.	.	PUNCT
cblr-2965	781	1	but	but	CCONJ
cblr-2965	781	2	see	see	VERB
cblr-2965	781	3	sebastian	sebastian	PROPN
cblr-2965	781	4	miller	miller	PROPN
cblr-2965	781	5	&	&	CCONJ
cblr-2965	781	6	martin	martin	PROPN
cblr-2965	781	7	weber	weber	PROPN
cblr-2965	781	8	,	,	PUNCT
cblr-2965	781	9	financial	financial	ADJ
cblr-2965	781	10	literacy	literacy	NOUN
cblr-2965	781	11	and	and	CCONJ
cblr-2965	781	12	mutual	mutual	ADJ
cblr-2965	781	13	fund	fund	NOUN
cblr-2965	781	14	investments	investment	NOUN
cblr-2965	781	15	:	:	PUNCT
cblr-2965	781	16	who	who	PRON
cblr-2965	781	17	buys	buy	VERB
cblr-2965	781	18	actively	actively	ADV
cblr-2965	781	19	managed	manage	VERB
cblr-2965	781	20	funds	fund	NOUN
cblr-2965	781	21	22	22	NUM
cblr-2965	781	22	(	(	PUNCT
cblr-2965	781	23	feb	feb	PROPN
cblr-2965	781	24	.	.	PROPN
cblr-2965	781	25	14	14	NUM
cblr-2965	781	26	,	,	PUNCT
cblr-2965	781	27	2008	2008	NUM
cblr-2965	781	28	)	)	PUNCT
cblr-2965	781	29	(	(	PUNCT
cblr-2965	781	30	unpublished	unpublished	ADJ
cblr-2965	781	31	manuscript	manuscript	NOUN
cblr-2965	781	32	,	,	PUNCT
cblr-2965	781	33	available	available	ADJ
cblr-2965	781	34	at	at	ADP
cblr-2965	781	35	http	http	ADJ
cblr-2965	781	36	:	:	PUNCT
cblr-2965	781	37	ll	ll	PROPN
cblr-2965	781	38	ssrn.com/abstract=1093305	ssrn.com/abstract=1093305	NOUN
cblr-2965	781	39	)	)	PUNCT
cblr-2965	781	40	(	(	PUNCT
cblr-2965	781	41	survey	survey	NOUN
cblr-2965	781	42	of	of	ADP
cblr-2965	781	43	german	german	ADJ
cblr-2965	781	44	mutual	mutual	ADJ
cblr-2965	781	45	fund	fund	NOUN
cblr-2965	781	46	investors	investor	NOUN
cblr-2965	781	47	finds	find	VERB
cblr-2965	781	48	that	that	SCONJ
cblr-2965	781	49	they	they	PRON
cblr-2965	781	50	can	can	AUX
cblr-2965	781	51	accurately	accurately	ADV
cblr-2965	781	52	estimate	estimate	VERB
cblr-2965	781	53	the	the	DET
cblr-2965	781	54	management	management	NOUN
cblr-2965	781	55	fees	fee	NOUN
cblr-2965	781	56	of	of	ADP
cblr-2965	781	57	the	the	DET
cblr-2965	781	58	last	last	ADJ
cblr-2965	781	59	mutual	mutual	ADJ
cblr-2965	781	60	fund	fund	NOUN
cblr-2965	781	61	they	they	PRON
cblr-2965	781	62	bought	buy	VERB
cblr-2965	781	63	)	)	PUNCT
cblr-2965	781	64	.	.	PUNCT
cblr-2965	782	1	176	176	NUM
cblr-2965	782	2	capon	capon	NOUN
cblr-2965	782	3	et	et	NOUN
cblr-2965	782	4	al	al	PROPN
cblr-2965	782	5	.	.	PROPN
cblr-2965	782	6	,	,	PUNCT
cblr-2965	782	7	supra	supra	PROPN
cblr-2965	782	8	note	note	PROPN
cblr-2965	782	9	147	147	NUM
cblr-2965	782	10	,	,	PUNCT
cblr-2965	782	11	at	at	ADP
cblr-2965	782	12	66	66	NUM
cblr-2965	782	13	.	.	PUNCT
cblr-2965	783	1	177	177	NUM
cblr-2965	784	1	i	i	PRON
cblr-2965	784	2	d.	d.	PROPN
cblr-2965	784	3	the	the	DET
cblr-2965	784	4	other	other	ADJ
cblr-2965	784	5	factors	factor	NOUN
cblr-2965	784	6	were	be	AUX
cblr-2965	784	7	,	,	PUNCT
cblr-2965	784	8	in	in	ADP
cblr-2965	784	9	order	order	NOUN
cblr-2965	784	10	of	of	ADP
cblr-2965	784	11	decreasing	decrease	VERB
cblr-2965	784	12	importance	importance	NOUN
cblr-2965	784	13	,	,	PUNCT
cblr-2965	784	14	the	the	DET
cblr-2965	784	15	fund	fund	NOUN
cblr-2965	784	16	's	's	PART
cblr-2965	784	17	investment	investment	NOUN
cblr-2965	784	18	performance	performance	NOUN
cblr-2965	784	19	track	track	NOUN
cblr-2965	784	20	record	record	NOUN
cblr-2965	784	21	,	,	PUNCT
cblr-2965	784	22	fund	fund	NOUN
cblr-2965	784	23	manager	manager	NOUN
cblr-2965	784	24	reputation	reputation	NOUN
cblr-2965	784	25	,	,	PUNCT
cblr-2965	784	26	number	number	NOUN
cblr-2965	784	27	of	of	ADP
cblr-2965	784	28	funds	fund	NOUN
cblr-2965	784	29	in	in	ADP
cblr-2965	784	30	the	the	DET
cblr-2965	784	31	family	family	NOUN
cblr-2965	784	32	,	,	PUNCT
cblr-2965	784	33	responsiveness	responsiveness	NOUN
cblr-2965	784	34	to	to	ADP
cblr-2965	784	35	inquiries	inquiry	NOUN
cblr-2965	784	36	,	,	PUNCT
cblr-2965	784	37	investment	investment	NOUN
cblr-2965	784	38	management	management	NOUN
cblr-2965	784	39	style	style	NOUN
cblr-2965	784	40	,	,	PUNCT
cblr-2965	784	41	additional	additional	ADJ
cblr-2965	784	42	features	feature	NOUN
cblr-2965	784	43	(	(	PUNCT
cblr-2965	784	44	checking	checking	NOUN
cblr-2965	784	45	,	,	PUNCT
cblr-2965	784	46	brokerage	brokerage	NOUN
cblr-2965	784	47	)	)	PUNCT
cblr-2965	784	48	,	,	PUNCT
cblr-2965	784	49	confidentiality	confidentiality	NOUN
cblr-2965	784	50	,	,	PUNCT
cblr-2965	784	51	and	and	CCONJ
cblr-2965	784	52	community	community	NOUN
cblr-2965	784	53	service	service	NOUN
cblr-2965	784	54	/	/	SYM
cblr-2965	784	55	charity	charity	NOUN
cblr-2965	784	56	record	record	NOUN
cblr-2965	784	57	.	.	PUNCT
cblr-2965	785	1	i	i	PRON
cblr-2965	785	2	d.	d.	PROPN
cblr-2965	785	3	no	no	INTJ
cblr-2965	785	4	.	.	PUNCT
cblr-2965	786	1	3:934	3:934	X
cblr-2965	786	2	]	]	X
cblr-2965	786	3	mutual	mutual	ADJ
cblr-2965	786	4	fund	fund	NOUN
cblr-2965	786	5	investors	investors	PROPN
cblr-2965	786	6	columbia	columbia	PROPN
cblr-2965	786	7	business	business	PROPN
cblr-2965	786	8	la	la	PROPN
cblr-2965	786	9	w	w	PROPN
cblr-2965	786	10	review	review	PROPN
cblr-2965	786	11	characteristics	characteristic	NOUN
cblr-2965	786	12	.	.	PUNCT
cblr-2965	787	1	17	17	NUM
cblr-2965	787	2	8	8	NUM
cblr-2965	787	3	investors	investor	NOUN
cblr-2965	787	4	chose	choose	VERB
cblr-2965	787	5	the	the	DET
cblr-2965	787	6	fund	fund	NOUN
cblr-2965	787	7	's	's	PART
cblr-2965	787	8	management	management	NOUN
cblr-2965	787	9	fee	fee	NOUN
cblr-2965	787	10	as	as	ADP
cblr-2965	787	11	only	only	ADV
cblr-2965	787	12	the	the	DET
cblr-2965	787	13	fourth	fourth	ADJ
cblr-2965	787	14	most	most	ADV
cblr-2965	787	15	important	important	ADJ
cblr-2965	787	16	factor	factor	NOUN
cblr-2965	787	17	,	,	PUNCT
cblr-2965	787	18	ahead	ahead	ADV
cblr-2965	787	19	only	only	ADV
cblr-2965	787	20	of	of	ADP
cblr-2965	787	21	the	the	DET
cblr-2965	787	22	fund	fund	NOUN
cblr-2965	787	23	's	's	PART
cblr-2965	787	24	load	load	NOUN
cblr-2965	787	25	and	and	CCONJ
cblr-2965	787	26	its	its	PRON
cblr-2965	787	27	beta	beta	NOUN
cblr-2965	787	28	.	.	PUNCT
cblr-2965	788	1	"7	"7	ADV
cblr-2965	788	2	these	these	DET
cblr-2965	788	3	results	result	NOUN
cblr-2965	788	4	stand	stand	VERB
cblr-2965	788	5	in	in	ADP
cblr-2965	788	6	stark	stark	ADJ
cblr-2965	788	7	contrast	contrast	NOUN
cblr-2965	788	8	to	to	ADP
cblr-2965	788	9	those	those	PRON
cblr-2965	788	10	of	of	ADP
cblr-2965	788	11	the	the	DET
cblr-2965	788	12	ici	ici	NOUN
cblr-2965	788	13	survey	survey	NOUN
cblr-2965	788	14	.	.	PUNCT
cblr-2965	789	1	one	one	NUM
cblr-2965	789	2	reason	reason	NOUN
cblr-2965	789	3	may	may	AUX
cblr-2965	789	4	be	be	AUX
cblr-2965	789	5	that	that	SCONJ
cblr-2965	789	6	the	the	DET
cblr-2965	789	7	ici	ici	NOUN
cblr-2965	789	8	surveyed	survey	VERB
cblr-2965	789	9	only	only	ADV
cblr-2965	789	10	investors	investor	NOUN
cblr-2965	789	11	who	who	PRON
cblr-2965	789	12	own	own	VERB
cblr-2965	789	13	mutual	mutual	ADJ
cblr-2965	789	14	funds	fund	NOUN
cblr-2965	789	15	outside	outside	ADV
cblr-2965	789	16	of	of	ADP
cblr-2965	789	17	employmentrelated	employmentrelated	ADJ
cblr-2965	789	18	retirement	retirement	NOUN
cblr-2965	789	19	plans	plan	NOUN
cblr-2965	789	20	;	;	PUNCT
cblr-2965	789	21	the	the	DET
cblr-2965	789	22	other	other	ADJ
cblr-2965	789	23	surveys	survey	NOUN
cblr-2965	789	24	contained	contain	VERB
cblr-2965	789	25	no	no	DET
cblr-2965	789	26	such	such	ADJ
cblr-2965	789	27	limitation	limitation	NOUN
cblr-2965	789	28	.	.	PUNCT
cblr-2965	790	1	thus	thus	ADV
cblr-2965	790	2	,	,	PUNCT
cblr-2965	790	3	as	as	ADP
cblr-2965	790	4	a	a	DET
cblr-2965	790	5	group	group	NOUN
cblr-2965	790	6	,	,	PUNCT
cblr-2965	790	7	the	the	DET
cblr-2965	790	8	investors	investor	NOUN
cblr-2965	790	9	surveyed	survey	VERB
cblr-2965	790	10	by	by	ADP
cblr-2965	790	11	the	the	DET
cblr-2965	790	12	ici	ici	NOUN
cblr-2965	790	13	are	be	AUX
cblr-2965	790	14	likely	likely	ADV
cblr-2965	790	15	more	more	ADV
cblr-2965	790	16	wealthy	wealthy	ADJ
cblr-2965	790	17	,	,	PUNCT
cblr-2965	790	18	and	and	CCONJ
cblr-2965	790	19	thus	thus	ADV
cblr-2965	790	20	more	more	ADV
cblr-2965	790	21	financially	financially	ADV
cblr-2965	790	22	experienced	experienced	ADJ
cblr-2965	790	23	and	and	CCONJ
cblr-2965	790	24	sophisticated	sophisticated	ADJ
cblr-2965	790	25	,	,	PUNCT
cblr-2965	790	26	than	than	ADP
cblr-2965	790	27	those	those	PRON
cblr-2965	790	28	in	in	ADP
cblr-2965	790	29	the	the	DET
cblr-2965	790	30	other	other	ADJ
cblr-2965	790	31	surveys	survey	NOUN
cblr-2965	790	32	.	.	PUNCT
cblr-2965	791	1	another	another	DET
cblr-2965	791	2	possible	possible	ADJ
cblr-2965	791	3	reason	reason	NOUN
cblr-2965	791	4	for	for	ADP
cblr-2965	791	5	the	the	DET
cblr-2965	791	6	discrepancy	discrepancy	NOUN
cblr-2965	791	7	is	be	AUX
cblr-2965	791	8	the	the	DET
cblr-2965	791	9	difference	difference	NOUN
cblr-2965	791	10	in	in	ADP
cblr-2965	791	11	the	the	DET
cblr-2965	791	12	questions	question	NOUN
cblr-2965	791	13	asked	ask	VERB
cblr-2965	791	14	.	.	PUNCT
cblr-2965	792	1	the	the	DET
cblr-2965	792	2	ici	ici	PROPN
cblr-2965	792	3	survey	survey	NOUN
cblr-2965	792	4	asked	ask	VERB
cblr-2965	792	5	whether	whether	SCONJ
cblr-2965	792	6	the	the	DET
cblr-2965	792	7	investor	investor	NOUN
cblr-2965	792	8	"	"	PUNCT
cblr-2965	792	9	reviewed	review	VERB
cblr-2965	792	10	"	"	PUNCT
cblr-2965	792	11	a	a	DET
cblr-2965	792	12	fund	fund	NOUN
cblr-2965	792	13	's	's	PART
cblr-2965	792	14	fees	fee	NOUN
cblr-2965	792	15	and	and	CCONJ
cblr-2965	792	16	expenses	expense	NOUN
cblr-2965	792	17	before	before	ADP
cblr-2965	792	18	investing	invest	VERB
cblr-2965	792	19	,	,	PUNCT
cblr-2965	792	20	while	while	SCONJ
cblr-2965	792	21	the	the	DET
cblr-2965	792	22	capon	capon	NOUN
cblr-2965	792	23	et	et	PROPN
cblr-2965	792	24	al	al	PROPN
cblr-2965	792	25	.	.	PROPN
cblr-2965	792	26	survey	survey	NOUN
cblr-2965	792	27	and	and	CCONJ
cblr-2965	792	28	the	the	DET
cblr-2965	792	29	wilcox	wilcox	PROPN
cblr-2965	792	30	study	study	NOUN
cblr-2965	792	31	asked	ask	VERB
cblr-2965	792	32	how	how	SCONJ
cblr-2965	792	33	"	"	PUNCT
cblr-2965	792	34	important	important	ADJ
cblr-2965	792	35	"	"	PUNCT
cblr-2965	792	36	the	the	DET
cblr-2965	792	37	fund	fund	NOUN
cblr-2965	792	38	's	's	PART
cblr-2965	792	39	fees	fee	NOUN
cblr-2965	792	40	were	be	AUX
cblr-2965	792	41	to	to	ADP
cblr-2965	792	42	the	the	DET
cblr-2965	792	43	investor	investor	NOUN
cblr-2965	792	44	in	in	ADP
cblr-2965	792	45	choosing	choose	VERB
cblr-2965	792	46	a	a	DET
cblr-2965	792	47	fund	fund	NOUN
cblr-2965	792	48	.	.	PUNCT
cblr-2965	793	1	investors	investor	NOUN
cblr-2965	793	2	could	could	AUX
cblr-2965	793	3	review	review	VERB
cblr-2965	793	4	a	a	DET
cblr-2965	793	5	fund	fund	NOUN
cblr-2965	793	6	's	's	PART
cblr-2965	793	7	fees	fee	NOUN
cblr-2965	793	8	before	before	ADP
cblr-2965	793	9	investing	invest	VERB
cblr-2965	793	10	,	,	PUNCT
cblr-2965	793	11	yet	yet	ADV
cblr-2965	793	12	not	not	PART
cblr-2965	793	13	give	give	VERB
cblr-2965	793	14	them	they	PRON
cblr-2965	793	15	much	much	ADJ
cblr-2965	793	16	weight	weight	NOUN
cblr-2965	793	17	.	.	PUNCT
cblr-2965	794	1	this	this	DET
cblr-2965	794	2	difference	difference	NOUN
cblr-2965	794	3	,	,	PUNCT
cblr-2965	794	4	however	however	ADV
cblr-2965	794	5	,	,	PUNCT
cblr-2965	794	6	would	would	AUX
cblr-2965	794	7	not	not	PART
cblr-2965	794	8	reconcile	reconcile	VERB
cblr-2965	794	9	the	the	DET
cblr-2965	794	10	ici	ici	NOUN
cblr-2965	794	11	survey	survey	NOUN
cblr-2965	794	12	's	's	PART
cblr-2965	794	13	findings	finding	NOUN
cblr-2965	794	14	with	with	ADP
cblr-2965	794	15	the	the	DET
cblr-2965	794	16	finding	finding	NOUN
cblr-2965	794	17	of	of	ADP
cblr-2965	794	18	the	the	DET
cblr-2965	794	19	sec	sec	PROPN
cblr-2965	794	20	/	/	SYM
cblr-2965	794	21	comptroller	comptroller	NOUN
cblr-2965	794	22	of	of	ADP
cblr-2965	794	23	the	the	DET
cblr-2965	794	24	currency	currency	NOUN
cblr-2965	794	25	survey	survey	NOUN
cblr-2965	794	26	that	that	SCONJ
cblr-2965	794	27	less	less	ADJ
cblr-2965	794	28	than	than	ADP
cblr-2965	794	29	half	half	NOUN
cblr-2965	794	30	of	of	ADP
cblr-2965	794	31	investors	investor	NOUN
cblr-2965	794	32	knew	know	VERB
cblr-2965	794	33	their	their	PRON
cblr-2965	794	34	largest	large	ADJ
cblr-2965	794	35	fund	fund	NOUN
cblr-2965	794	36	's	's	PART
cblr-2965	794	37	expenses	expense	NOUN
cblr-2965	794	38	when	when	SCONJ
cblr-2965	794	39	they	they	PRON
cblr-2965	794	40	purchased	purchase	VERB
cblr-2965	794	41	the	the	DET
cblr-2965	794	42	fund	fund	NOUN
cblr-2965	794	43	.	.	PUNCT
cblr-2965	795	1	2	2	X
cblr-2965	795	2	.	.	X
cblr-2965	795	3	other	other	ADJ
cblr-2965	795	4	studies	study	NOUN
cblr-2965	795	5	of	of	ADP
cblr-2965	795	6	investor	investor	NOUN
cblr-2965	795	7	behavior	behavior	NOUN
cblr-2965	795	8	although	although	SCONJ
cblr-2965	795	9	surveys	survey	NOUN
cblr-2965	795	10	generally	generally	ADV
cblr-2965	795	11	show	show	VERB
cblr-2965	795	12	that	that	SCONJ
cblr-2965	795	13	most	most	ADJ
cblr-2965	795	14	investors	investor	NOUN
cblr-2965	795	15	are	be	AUX
cblr-2965	795	16	unaware	unaware	ADJ
cblr-2965	795	17	of	of	ADP
cblr-2965	795	18	their	their	PRON
cblr-2965	795	19	funds	fund	NOUN
cblr-2965	795	20	'	'	PART
cblr-2965	795	21	expense	expense	NOUN
cblr-2965	795	22	ratios	ratio	NOUN
cblr-2965	795	23	and	and	CCONJ
cblr-2965	795	24	that	that	SCONJ
cblr-2965	795	25	expenses	expense	NOUN
cblr-2965	795	26	do	do	AUX
cblr-2965	795	27	not	not	PART
cblr-2965	795	28	greatly	greatly	ADV
cblr-2965	795	29	affect	affect	VERB
cblr-2965	795	30	their	their	PRON
cblr-2965	795	31	fund	fund	NOUN
cblr-2965	795	32	choices	choice	NOUN
cblr-2965	795	33	,	,	PUNCT
cblr-2965	795	34	there	there	PRON
cblr-2965	795	35	is	be	VERB
cblr-2965	795	36	evidence	evidence	NOUN
cblr-2965	795	37	that	that	SCONJ
cblr-2965	795	38	some	some	DET
cblr-2965	795	39	fund	fund	NOUN
cblr-2965	795	40	investors	investor	NOUN
cblr-2965	795	41	do	do	AUX
cblr-2965	795	42	care	care	VERB
cblr-2965	795	43	about	about	ADP
cblr-2965	795	44	expenses	expense	NOUN
cblr-2965	795	45	.	.	PUNCT
cblr-2965	796	1	the	the	DET
cblr-2965	796	2	studies	study	NOUN
cblr-2965	796	3	,	,	PUNCT
cblr-2965	796	4	however	however	ADV
cblr-2965	796	5	,	,	PUNCT
cblr-2965	796	6	reach	reach	VERB
cblr-2965	796	7	mixed	mixed	ADJ
cblr-2965	796	8	conclusions	conclusion	NOUN
cblr-2965	796	9	regarding	regard	VERB
cblr-2965	796	10	whether	whether	SCONJ
cblr-2965	796	11	funds	fund	NOUN
cblr-2965	796	12	with	with	ADP
cblr-2965	796	13	lower	low	ADJ
cblr-2965	796	14	expenses	expense	NOUN
cblr-2965	796	15	receive	receive	VERB
cblr-2965	796	16	more	more	ADJ
cblr-2965	796	17	flow	flow	NOUN
cblr-2965	796	18	overall	overall	ADV
cblr-2965	796	19	.	.	PUNCT
cblr-2965	797	1	for	for	ADP
cblr-2965	797	2	example	example	NOUN
cblr-2965	797	3	,	,	PUNCT
cblr-2965	797	4	barber	barber	NOUN
cblr-2965	797	5	,	,	PUNCT
cblr-2965	797	6	odean	odean	ADJ
cblr-2965	797	7	,	,	PUNCT
cblr-2965	797	8	and	and	CCONJ
cblr-2965	797	9	zheng	zheng	PROPN
cblr-2965	797	10	's	's	PART
cblr-2965	797	11	examination	examination	NOUN
cblr-2965	797	12	of	of	ADP
cblr-2965	797	13	diversified	diversified	ADJ
cblr-2965	797	14	u.s	u.s	PROPN
cblr-2965	797	15	.	.	PROPN
cblr-2965	797	16	equity	equity	NOUN
cblr-2965	797	17	mutual	mutual	ADJ
cblr-2965	797	18	funds	fund	NOUN
cblr-2965	797	19	from	from	ADP
cblr-2965	797	20	1970	1970	NUM
cblr-2965	797	21	to	to	ADP
cblr-2965	797	22	1999	1999	NUM
cblr-2965	797	23	found	find	VERB
cblr-2965	797	24	"	"	PUNCT
cblr-2965	797	25	at	at	ADP
cblr-2965	797	26	best	well	ADV
cblr-2965	797	27	,	,	PUNCT
cblr-2965	797	28	no	no	DET
cblr-2965	797	29	relation	relation	NOUN
cblr-2965	797	30	between	between	ADP
cblr-2965	797	31	operating	operating	NOUN
cblr-2965	797	32	expenses	expense	NOUN
cblr-2965	797	33	and	and	CCONJ
cblr-2965	797	34	flows	flow	NOUN
cblr-2965	797	35	and	and	CCONJ
cblr-2965	797	36	,	,	PUNCT
cblr-2965	797	37	at	at	ADP
cblr-2965	797	38	worse	bad	ADJ
cblr-2965	797	39	,	,	PUNCT
cblr-2965	797	40	a	a	DET
cblr-2965	797	41	perverse	perverse	ADJ
cblr-2965	797	42	positive	positive	ADJ
cblr-2965	797	43	relation	relation	NOUN
cblr-2965	797	44	between	between	ADP
cblr-2965	797	45	expenses	expense	NOUN
cblr-2965	797	46	178	178	NUM
cblr-2965	797	47	wilcox	wilcox	NOUN
cblr-2965	797	48	,	,	PUNCT
cblr-2965	797	49	supra	supra	PROPN
cblr-2965	797	50	note	note	PROPN
cblr-2965	797	51	162	162	NUM
cblr-2965	797	52	,	,	PUNCT
cblr-2965	797	53	at	at	ADP
cblr-2965	797	54	649	649	NUM
cblr-2965	797	55	tbl.1	tbl.1	NUM
cblr-2965	797	56	.	.	PUNCT
cblr-2965	798	1	179	179	NUM
cblr-2965	799	1	i	i	PRON
cblr-2965	799	2	d.	d.	PROPN
cblr-2965	799	3	at	at	ADP
cblr-2965	799	4	650	650	NUM
cblr-2965	799	5	fig.1	fig.1	PROPN
cblr-2965	799	6	.	.	PUNCT
cblr-2965	800	1	recall	recall	VERB
cblr-2965	800	2	that	that	SCONJ
cblr-2965	800	3	the	the	DET
cblr-2965	800	4	other	other	ADJ
cblr-2965	800	5	fund	fund	NOUN
cblr-2965	800	6	characteristics	characteristic	NOUN
cblr-2965	800	7	were	be	AUX
cblr-2965	800	8	the	the	DET
cblr-2965	800	9	fund	fund	NOUN
cblr-2965	800	10	company	company	NOUN
cblr-2965	800	11	's	's	PART
cblr-2965	800	12	name	name	NOUN
cblr-2965	800	13	,	,	PUNCT
cblr-2965	800	14	the	the	DET
cblr-2965	800	15	fund	fund	NOUN
cblr-2965	800	16	's	's	PART
cblr-2965	800	17	return	return	NOUN
cblr-2965	800	18	during	during	ADP
cblr-2965	800	19	the	the	DET
cblr-2965	800	20	previous	previous	ADJ
cblr-2965	800	21	year	year	NOUN
cblr-2965	800	22	,	,	PUNCT
cblr-2965	800	23	and	and	CCONJ
cblr-2965	800	24	the	the	DET
cblr-2965	800	25	fund	fund	NOUN
cblr-2965	800	26	's	's	PART
cblr-2965	800	27	return	return	NOUN
cblr-2965	800	28	during	during	ADP
cblr-2965	800	29	the	the	DET
cblr-2965	800	30	previous	previous	ADJ
cblr-2965	800	31	ten	ten	NUM
cblr-2965	800	32	years	year	NOUN
cblr-2965	800	33	.	.	PUNCT
cblr-2965	801	1	[	[	X
cblr-2965	801	2	vol	vol	NOUN
cblr-2965	801	3	.	.	NOUN
cblr-2965	801	4	2008	2008	NUM
cblr-2965	801	5	and	and	CCONJ
cblr-2965	801	6	flows	flow	VERB
cblr-2965	801	7	for	for	ADP
cblr-2965	801	8	large	large	ADJ
cblr-2965	801	9	funds	fund	NOUN
cblr-2965	801	10	.	.	PUNCT
cblr-2965	801	11	"	"	PUNCT
cblr-2965	801	12	'	'	PUNCT
cblr-2965	801	13	in	in	ADP
cblr-2965	801	14	addition	addition	NOUN
cblr-2965	801	15	,	,	PUNCT
cblr-2965	801	16	they	they	PRON
cblr-2965	801	17	examined	examine	VERB
cblr-2965	801	18	the	the	DET
cblr-2965	801	19	mutual	mutual	ADJ
cblr-2965	801	20	fund	fund	NOUN
cblr-2965	801	21	purchases	purchase	NOUN
cblr-2965	801	22	and	and	CCONJ
cblr-2965	801	23	sales	sale	NOUN
cblr-2965	801	24	made	make	VERB
cblr-2965	801	25	by	by	ADP
cblr-2965	801	26	customers	customer	NOUN
cblr-2965	801	27	of	of	ADP
cblr-2965	801	28	a	a	DET
cblr-2965	801	29	large	large	ADJ
cblr-2965	801	30	discount	discount	NOUN
cblr-2965	801	31	broker	broker	NOUN
cblr-2965	801	32	from	from	ADP
cblr-2965	801	33	1991	1991	NUM
cblr-2965	801	34	to	to	ADP
cblr-2965	801	35	1996	1996	NUM
cblr-2965	801	36	.	.	PUNCT
cblr-2965	802	1	from	from	ADP
cblr-2965	802	2	this	this	DET
cblr-2965	802	3	data	datum	NOUN
cblr-2965	802	4	they	they	PRON
cblr-2965	802	5	identified	identify	VERB
cblr-2965	802	6	cases	case	NOUN
cblr-2965	802	7	in	in	ADP
cblr-2965	802	8	which	which	PRON
cblr-2965	802	9	a	a	DET
cblr-2965	802	10	mutual	mutual	ADJ
cblr-2965	802	11	fund	fund	NOUN
cblr-2965	802	12	purchase	purchase	NOUN
cblr-2965	802	13	followed	follow	VERB
cblr-2965	802	14	a	a	DET
cblr-2965	802	15	sale	sale	NOUN
cblr-2965	802	16	within	within	ADP
cblr-2965	802	17	three	three	NUM
cblr-2965	802	18	weeks	week	NOUN
cblr-2965	802	19	.	.	PUNCT
cblr-2965	803	1	they	they	PRON
cblr-2965	803	2	found	find	VERB
cblr-2965	803	3	that	that	SCONJ
cblr-2965	803	4	,	,	PUNCT
cblr-2965	803	5	for	for	ADP
cblr-2965	803	6	these	these	DET
cblr-2965	803	7	cases	case	NOUN
cblr-2965	803	8	,	,	PUNCT
cblr-2965	803	9	the	the	DET
cblr-2965	803	10	operating	operating	NOUN
cblr-2965	803	11	expenses	expense	NOUN
cblr-2965	803	12	of	of	ADP
cblr-2965	803	13	the	the	DET
cblr-2965	803	14	purchased	purchase	VERB
cblr-2965	803	15	funds	fund	NOUN
cblr-2965	803	16	were	be	AUX
cblr-2965	803	17	generally	generally	ADV
cblr-2965	803	18	higher	high	ADJ
cblr-2965	803	19	than	than	ADP
cblr-2965	803	20	those	those	PRON
cblr-2965	803	21	of	of	ADP
cblr-2965	803	22	the	the	DET
cblr-2965	803	23	funds	fund	NOUN
cblr-2965	803	24	that	that	PRON
cblr-2965	803	25	were	be	AUX
cblr-2965	803	26	sold	sell	VERB
cblr-2965	803	27	,	,	PUNCT
cblr-2965	803	28	indicating	indicate	VERB
cblr-2965	803	29	that	that	SCONJ
cblr-2965	803	30	investors	investor	NOUN
cblr-2965	803	31	do	do	AUX
cblr-2965	803	32	not	not	PART
cblr-2965	803	33	switch	switch	VERB
cblr-2965	803	34	funds	fund	NOUN
cblr-2965	803	35	to	to	PART
cblr-2965	803	36	reduce	reduce	VERB
cblr-2965	803	37	the	the	DET
cblr-2965	803	38	expenses	expense	NOUN
cblr-2965	803	39	they	they	PRON
cblr-2965	803	40	are	be	AUX
cblr-2965	803	41	paying.18	paying.18	VERB
cblr-2965	803	42	1	1	NUM
cblr-2965	803	43	in	in	ADP
cblr-2965	803	44	a	a	DET
cblr-2965	803	45	study	study	NOUN
cblr-2965	803	46	of	of	ADP
cblr-2965	803	47	equity	equity	NOUN
cblr-2965	803	48	mutual	mutual	ADJ
cblr-2965	803	49	funds	fund	NOUN
cblr-2965	803	50	from	from	ADP
cblr-2965	803	51	a	a	DET
cblr-2965	803	52	slightly	slightly	ADV
cblr-2965	803	53	earlier	early	ADJ
cblr-2965	803	54	period	period	NOUN
cblr-2965	803	55	(	(	PUNCT
cblr-2965	803	56	1971	1971	NUM
cblr-2965	803	57	-	-	SYM
cblr-2965	803	58	1990	1990	NUM
cblr-2965	803	59	)	)	PUNCT
cblr-2965	803	60	,	,	PUNCT
cblr-2965	803	61	sirri	sirri	NOUN
cblr-2965	803	62	and	and	CCONJ
cblr-2965	803	63	tufano	tufano	PROPN
cblr-2965	803	64	found	find	VERB
cblr-2965	803	65	that	that	SCONJ
cblr-2965	803	66	reductions	reduction	NOUN
cblr-2965	803	67	in	in	ADP
cblr-2965	803	68	expenses	expense	NOUN
cblr-2965	803	69	have	have	VERB
cblr-2965	803	70	a	a	DET
cblr-2965	803	71	strong	strong	ADJ
cblr-2965	803	72	positive	positive	ADJ
cblr-2965	803	73	effect	effect	NOUN
cblr-2965	803	74	on	on	ADP
cblr-2965	803	75	flow	flow	NOUN
cblr-2965	803	76	,	,	PUNCT
cblr-2965	803	77	yet	yet	ADV
cblr-2965	803	78	also	also	ADV
cblr-2965	803	79	found	find	VERB
cblr-2965	803	80	that	that	SCONJ
cblr-2965	803	81	increases	increase	NOUN
cblr-2965	803	82	in	in	ADP
cblr-2965	803	83	expenses	expense	NOUN
cblr-2965	803	84	strangely	strangely	ADV
cblr-2965	803	85	have	have	VERB
cblr-2965	803	86	a	a	DET
cblr-2965	803	87	marginally	marginally	ADV
cblr-2965	803	88	significant	significant	ADJ
cblr-2965	803	89	positive	positive	ADJ
cblr-2965	803	90	effect	effect	NOUN
cblr-2965	803	91	on	on	ADP
cblr-2965	803	92	flow	flow	NOUN
cblr-2965	803	93	as	as	ADV
cblr-2965	803	94	well	well	ADV
cblr-2965	803	95	.	.	PUNCT
cblr-2965	804	1	'82	'82	PROPN
cblr-2965	804	2	nonetheless	nonetheless	ADV
cblr-2965	804	3	,	,	PUNCT
cblr-2965	804	4	two	two	NUM
cblr-2965	804	5	other	other	ADJ
cblr-2965	804	6	studies	study	NOUN
cblr-2965	804	7	found	find	VERB
cblr-2965	804	8	that	that	SCONJ
cblr-2965	804	9	investor	investor	NOUN
cblr-2965	804	10	demand	demand	NOUN
cblr-2965	804	11	for	for	ADP
cblr-2965	804	12	mutual	mutual	ADJ
cblr-2965	804	13	funds	fund	NOUN
cblr-2965	804	14	is	be	AUX
cblr-2965	804	15	elastic	elastic	ADJ
cblr-2965	804	16	with	with	ADP
cblr-2965	804	17	respect	respect	NOUN
cblr-2965	804	18	to	to	ADP
cblr-2965	804	19	fund	fund	NOUN
cblr-2965	804	20	expenses	expense	NOUN
cblr-2965	804	21	-	-	PUNCT
cblr-2965	804	22	that	that	ADV
cblr-2965	804	23	is	be	AUX
cblr-2965	804	24	,	,	PUNCT
cblr-2965	804	25	overall	overall	ADJ
cblr-2965	804	26	,	,	PUNCT
cblr-2965	804	27	fund	fund	NOUN
cblr-2965	804	28	investors	investor	NOUN
cblr-2965	804	29	are	be	AUX
cblr-2965	804	30	sensitive	sensitive	ADJ
cblr-2965	804	31	to	to	ADP
cblr-2965	804	32	expenses	expense	NOUN
cblr-2965	804	33	.	.	PUNCT
cblr-2965	804	34	"	"	PUNCT
cblr-2965	805	1	3	3	NUM
cblr-2965	805	2	in	in	ADP
cblr-2965	805	3	addition	addition	NOUN
cblr-2965	805	4	,	,	PUNCT
cblr-2965	805	5	one	one	NUM
cblr-2965	805	6	of	of	ADP
cblr-2965	805	7	these	these	DET
cblr-2965	805	8	studies	study	NOUN
cblr-2965	805	9	found	find	VERB
cblr-2965	805	10	that	that	SCONJ
cblr-2965	805	11	the	the	DET
cblr-2965	805	12	elasticity	elasticity	NOUN
cblr-2965	805	13	has	have	AUX
cblr-2965	805	14	been	be	AUX
cblr-2965	805	15	increasing	increase	VERB
cblr-2965	805	16	180	180	NUM
cblr-2965	805	17	brad	brad	PROPN
cblr-2965	805	18	m.	m.	PROPN
cblr-2965	805	19	barber	barber	PROPN
cblr-2965	805	20	,	,	PUNCT
cblr-2965	805	21	terrance	terrance	PROPN
cblr-2965	805	22	odean	odean	PROPN
cblr-2965	805	23	&	&	CCONJ
cblr-2965	805	24	lu	lu	PROPN
cblr-2965	805	25	zheng	zheng	PROPN
cblr-2965	805	26	,	,	PUNCT
cblr-2965	805	27	out	out	ADP
cblr-2965	805	28	of	of	ADP
cblr-2965	805	29	sight	sight	NOUN
cblr-2965	805	30	,	,	PUNCT
cblr-2965	805	31	out	out	ADP
cblr-2965	805	32	of	of	ADP
cblr-2965	805	33	mind	mind	NOUN
cblr-2965	805	34	:	:	PUNCT
cblr-2965	805	35	the	the	DET
cblr-2965	805	36	effects	effect	NOUN
cblr-2965	805	37	of	of	ADP
cblr-2965	805	38	expenses	expense	NOUN
cblr-2965	805	39	on	on	ADP
cblr-2965	805	40	mutual	mutual	ADJ
cblr-2965	805	41	fund	fund	NOUN
cblr-2965	805	42	flows	flow	NOUN
cblr-2965	805	43	,	,	PUNCT
cblr-2965	805	44	78	78	NUM
cblr-2965	805	45	j.	j.	PROPN
cblr-2965	805	46	bus	bus	PROPN
cblr-2965	805	47	.	.	PUNCT
cblr-2965	805	48	2095	2095	NUM
cblr-2965	805	49	,	,	PUNCT
cblr-2965	805	50	2107	2107	NUM
cblr-2965	805	51	(	(	PUNCT
cblr-2965	805	52	2005	2005	NUM
cblr-2965	805	53	)	)	PUNCT
cblr-2965	805	54	.	.	PUNCT
cblr-2965	806	1	'	'	PUNCT
cblr-2965	806	2	8	8	NUM
cblr-2965	806	3	'	'	PUNCT
cblr-2965	806	4	i	i	PRON
cblr-2965	806	5	d.	d.	PROPN
cblr-2965	806	6	at	at	ADP
cblr-2965	806	7	2116	2116	NUM
cblr-2965	806	8	.	.	PUNCT
cblr-2965	807	1	182	182	NUM
cblr-2965	807	2	erik	erik	PROPN
cblr-2965	807	3	r.	r.	PROPN
cblr-2965	807	4	sirri	sirri	PROPN
cblr-2965	807	5	&	&	CCONJ
cblr-2965	807	6	peter	peter	PROPN
cblr-2965	807	7	tufano	tufano	PROPN
cblr-2965	807	8	,	,	PUNCT
cblr-2965	807	9	costly	costly	ADJ
cblr-2965	807	10	search	search	NOUN
cblr-2965	807	11	and	and	CCONJ
cblr-2965	807	12	mutual	mutual	ADJ
cblr-2965	807	13	fund	fund	NOUN
cblr-2965	807	14	flows	flow	NOUN
cblr-2965	807	15	,	,	PUNCT
cblr-2965	807	16	53	53	NUM
cblr-2965	807	17	j.	j.	PROPN
cblr-2965	807	18	fin	fin	PROPN
cblr-2965	807	19	.	.	PROPN
cblr-2965	807	20	1589	1589	NUM
cblr-2965	807	21	,	,	PUNCT
cblr-2965	807	22	1606	1606	NUM
cblr-2965	807	23	-	-	SYM
cblr-2965	807	24	07	07	NUM
cblr-2965	807	25	tbl.iv	tbl.iv	NOUN
cblr-2965	807	26	,	,	PUNCT
cblr-2965	807	27	1612	1612	NUM
cblr-2965	807	28	(	(	PUNCT
cblr-2965	807	29	1998	1998	NUM
cblr-2965	807	30	)	)	PUNCT
cblr-2965	807	31	.	.	PUNCT
cblr-2965	807	32	"	"	PUNCT
cblr-2965	808	1	john	john	PROPN
cblr-2965	808	2	c.	c.	PROPN
cblr-2965	808	3	coates	coates	PROPN
cblr-2965	808	4	iv	iv	PROPN
cblr-2965	808	5	&	&	CCONJ
cblr-2965	808	6	r.	r.	PROPN
cblr-2965	808	7	glenn	glenn	PROPN
cblr-2965	808	8	hubbard	hubbard	PROPN
cblr-2965	808	9	,	,	PUNCT
cblr-2965	808	10	competition	competition	NOUN
cblr-2965	808	11	in	in	ADP
cblr-2965	808	12	the	the	DET
cblr-2965	808	13	mutual	mutual	ADJ
cblr-2965	808	14	fund	fund	NOUN
cblr-2965	808	15	industry	industry	NOUN
cblr-2965	808	16	:	:	PUNCT
cblr-2965	808	17	evidence	evidence	NOUN
cblr-2965	808	18	and	and	CCONJ
cblr-2965	808	19	implications	implication	NOUN
cblr-2965	808	20	for	for	ADP
cblr-2965	808	21	policy	policy	NOUN
cblr-2965	808	22	,	,	PUNCT
cblr-2965	808	23	33	33	NUM
cblr-2965	808	24	j.	j.	PROPN
cblr-2965	808	25	corp	corp	PROPN
cblr-2965	808	26	.	.	PROPN
cblr-2965	808	27	l.	l.	PROPN
cblr-2965	808	28	151	151	NUM
cblr-2965	808	29	,	,	PUNCT
cblr-2965	808	30	183	183	NUM
cblr-2965	808	31	(	(	PUNCT
cblr-2965	808	32	2007	2007	NUM
cblr-2965	808	33	)	)	PUNCT
cblr-2965	808	34	;	;	PUNCT
cblr-2965	808	35	andrew	andrew	PROPN
cblr-2965	808	36	zhang	zhang	PROPN
cblr-2965	808	37	,	,	PUNCT
cblr-2965	808	38	mutual	mutual	ADJ
cblr-2965	808	39	fund	fund	NOUN
cblr-2965	808	40	expense	expense	NOUN
cblr-2965	808	41	ratios	ratio	NOUN
cblr-2965	808	42	in	in	ADP
cblr-2965	808	43	market	market	NOUN
cblr-2965	808	44	equilibrium	equilibrium	NOUN
cblr-2965	808	45	2	2	NUM
cblr-2965	808	46	(	(	PUNCT
cblr-2965	808	47	july	july	PROPN
cblr-2965	808	48	20	20	NUM
cblr-2965	808	49	,	,	PUNCT
cblr-2965	808	50	2007	2007	NUM
cblr-2965	808	51	)	)	PUNCT
cblr-2965	808	52	(	(	PUNCT
cblr-2965	808	53	unpublished	unpublished	ADJ
cblr-2965	808	54	manuscript	manuscript	NOUN
cblr-2965	808	55	,	,	PUNCT
cblr-2965	808	56	available	available	ADJ
cblr-2965	808	57	at	at	ADP
cblr-2965	808	58	http://ssrn.com/abstract=	http://ssrn.com/abstract=	PROPN
cblr-2965	808	59	1010544	1010544	NUM
cblr-2965	808	60	)	)	PUNCT
cblr-2965	808	61	.	.	PUNCT
cblr-2965	809	1	additionally	additionally	ADV
cblr-2965	809	2	,	,	PUNCT
cblr-2965	809	3	a	a	DET
cblr-2965	809	4	recent	recent	ADJ
cblr-2965	809	5	study	study	NOUN
cblr-2965	809	6	found	find	VERB
cblr-2965	809	7	a	a	DET
cblr-2965	809	8	negative	negative	ADJ
cblr-2965	809	9	relationship	relationship	NOUN
cblr-2965	809	10	between	between	ADP
cblr-2965	809	11	flows	flow	NOUN
cblr-2965	809	12	and	and	CCONJ
cblr-2965	809	13	a	a	DET
cblr-2965	809	14	fund	fund	NOUN
cblr-2965	809	15	family	family	NOUN
cblr-2965	809	16	's	's	PART
cblr-2965	809	17	average	average	ADJ
cblr-2965	809	18	expense	expense	NOUN
cblr-2965	809	19	ratio	ratio	NOUN
cblr-2965	809	20	(	(	PUNCT
cblr-2965	809	21	as	as	SCONJ
cblr-2965	809	22	opposed	oppose	VERB
cblr-2965	809	23	to	to	ADP
cblr-2965	809	24	the	the	DET
cblr-2965	809	25	expense	expense	NOUN
cblr-2965	809	26	ratios	ratio	NOUN
cblr-2965	809	27	of	of	ADP
cblr-2965	809	28	particular	particular	ADJ
cblr-2965	809	29	funds	fund	NOUN
cblr-2965	809	30	in	in	ADP
cblr-2965	809	31	the	the	DET
cblr-2965	809	32	family	family	NOUN
cblr-2965	809	33	)	)	PUNCT
cblr-2965	809	34	.	.	PUNCT
cblr-2965	810	1	steven	steven	PROPN
cblr-2965	810	2	gallaher	gallaher	PROPN
cblr-2965	810	3	,	,	PUNCT
cblr-2965	810	4	ron	ron	PROPN
cblr-2965	810	5	kaniel	kaniel	PROPN
cblr-2965	810	6	&	&	CCONJ
cblr-2965	810	7	laura	laura	PROPN
cblr-2965	810	8	starks	starks	PROPN
cblr-2965	810	9	,	,	PUNCT
cblr-2965	810	10	madison	madison	PROPN
cblr-2965	810	11	avenue	avenue	PROPN
cblr-2965	810	12	meets	meet	VERB
cblr-2965	810	13	wall	wall	PROPN
cblr-2965	810	14	street	street	PROPN
cblr-2965	810	15	:	:	PUNCT
cblr-2965	810	16	mutual	mutual	ADJ
cblr-2965	810	17	fund	fund	NOUN
cblr-2965	810	18	families	family	NOUN
cblr-2965	810	19	,	,	PUNCT
cblr-2965	810	20	competition	competition	NOUN
cblr-2965	810	21	and	and	CCONJ
cblr-2965	810	22	advertising	advertising	NOUN
cblr-2965	810	23	3	3	NUM
cblr-2965	810	24	(	(	PUNCT
cblr-2965	810	25	jan	jan	PROPN
cblr-2965	810	26	.	.	PROPN
cblr-2965	810	27	2006	2006	NUM
cblr-2965	810	28	)	)	PUNCT
cblr-2965	810	29	(	(	PUNCT
cblr-2965	810	30	unpublished	unpublished	ADJ
cblr-2965	810	31	manuscript	manuscript	NOUN
cblr-2965	810	32	,	,	PUNCT
cblr-2965	810	33	available	available	ADJ
cblr-2965	810	34	at	at	ADP
cblr-2965	810	35	http://ssrn.com/abstract=879775	http://ssrn.com/abstract=879775	NOUN
cblr-2965	810	36	)	)	PUNCT
cblr-2965	810	37	.	.	PUNCT
cblr-2965	811	1	another	another	DET
cblr-2965	811	2	study	study	NOUN
cblr-2965	811	3	found	find	VERB
cblr-2965	811	4	that	that	SCONJ
cblr-2965	811	5	lower	low	ADJ
cblr-2965	811	6	expenses	expense	NOUN
cblr-2965	811	7	resulted	result	VERB
cblr-2965	811	8	in	in	ADP
cblr-2965	811	9	higher	high	ADJ
cblr-2965	811	10	market	market	NOUN
cblr-2965	811	11	share	share	NOUN
cblr-2965	811	12	for	for	ADP
cblr-2965	811	13	a	a	DET
cblr-2965	811	14	fund	fund	NOUN
cblr-2965	811	15	family	family	NOUN
cblr-2965	811	16	only	only	ADV
cblr-2965	811	17	if	if	SCONJ
cblr-2965	811	18	the	the	DET
cblr-2965	811	19	family	family	NOUN
cblr-2965	811	20	already	already	ADV
cblr-2965	811	21	had	have	VERB
cblr-2965	811	22	high	high	ADJ
cblr-2965	811	23	expenses	expense	NOUN
cblr-2965	811	24	;	;	PUNCT
cblr-2965	811	25	expenses	expense	NOUN
cblr-2965	811	26	did	do	AUX
cblr-2965	811	27	not	not	PART
cblr-2965	811	28	affect	affect	VERB
cblr-2965	811	29	the	the	DET
cblr-2965	811	30	market	market	NOUN
cblr-2965	811	31	share	share	NOUN
cblr-2965	811	32	if	if	SCONJ
cblr-2965	811	33	the	the	DET
cblr-2965	811	34	fund	fund	NOUN
cblr-2965	811	35	family	family	NOUN
cblr-2965	811	36	had	have	VERB
cblr-2965	811	37	low	low	ADJ
cblr-2965	811	38	expenses	expense	NOUN
cblr-2965	811	39	.	.	PUNCT
cblr-2965	812	1	ajay	ajay	PROPN
cblr-2965	812	2	khorana	khorana	PROPN
cblr-2965	812	3	&	&	CCONJ
cblr-2965	812	4	henri	henri	PROPN
cblr-2965	812	5	servaes	servaes	PROPN
cblr-2965	812	6	,	,	PUNCT
cblr-2965	812	7	conflicts	conflict	NOUN
cblr-2965	812	8	of	of	ADP
cblr-2965	812	9	interest	interest	NOUN
cblr-2965	812	10	and	and	CCONJ
cblr-2965	812	11	competition	competition	NOUN
cblr-2965	812	12	in	in	ADP
cblr-2965	812	13	the	the	DET
cblr-2965	812	14	mutual	mutual	ADJ
cblr-2965	812	15	fund	fund	NOUN
cblr-2965	812	16	industry	industry	NOUN
cblr-2965	812	17	28	28	NUM
cblr-2965	812	18	(	(	PUNCT
cblr-2965	812	19	july	july	PROPN
cblr-2965	812	20	2004	2004	NUM
cblr-2965	812	21	)	)	PUNCT
cblr-2965	813	1	(	(	PUNCT
cblr-2965	813	2	unpublished	unpublished	ADJ
cblr-2965	813	3	manuscript	manuscript	NOUN
cblr-2965	813	4	,	,	PUNCT
cblr-2965	813	5	available	available	ADJ
cblr-2965	813	6	at	at	ADP
cblr-2965	813	7	http://ssrn.com/abstract=	http://ssrn.com/abstract=	NOUN
cblr-2965	813	8	240596	240596	NUM
cblr-2965	813	9	)	)	PUNCT
cblr-2965	813	10	.	.	PUNCT
cblr-2965	814	1	no	no	INTJ
cblr-2965	814	2	.	.	PUNCT
cblr-2965	815	1	3:934	3:934	X
cblr-2965	815	2	]	]	X
cblr-2965	815	3	mutual	mutual	ADJ
cblr-2965	815	4	fund	fund	NOUN
cblr-2965	815	5	investors	investors	PROPN
cblr-2965	815	6	columbia	columbia	PROPN
cblr-2965	815	7	business	business	PROPN
cblr-2965	815	8	law	law	PROPN
cblr-2965	815	9	review	review	NOUN
cblr-2965	815	10	recently	recently	ADV
cblr-2965	815	11	,	,	PUNCT
cblr-2965	815	12	indicating	indicate	VERB
cblr-2965	815	13	that	that	SCONJ
cblr-2965	815	14	investors	investor	NOUN
cblr-2965	815	15	are	be	AUX
cblr-2965	815	16	becoming	become	VERB
cblr-2965	815	17	more	more	ADV
cblr-2965	815	18	sensitive	sensitive	ADJ
cblr-2965	815	19	to	to	ADP
cblr-2965	815	20	expenses	expense	NOUN
cblr-2965	815	21	.	.	PUNCT
cblr-2965	815	22	"	"	PUNCT
cblr-2965	816	1	in	in	ADP
cblr-2965	816	2	a	a	DET
cblr-2965	816	3	review	review	NOUN
cblr-2965	816	4	of	of	ADP
cblr-2965	816	5	studies	study	NOUN
cblr-2965	816	6	of	of	ADP
cblr-2965	816	7	trends	trend	NOUN
cblr-2965	816	8	in	in	ADP
cblr-2965	816	9	fund	fund	NOUN
cblr-2965	816	10	costs	cost	NOUN
cblr-2965	816	11	,	,	PUNCT
cblr-2965	816	12	coates	coate	NOUN
cblr-2965	816	13	and	and	CCONJ
cblr-2965	816	14	hubbard	hubbard	PROPN
cblr-2965	816	15	observe	observe	VERB
cblr-2965	816	16	that	that	SCONJ
cblr-2965	816	17	recent	recent	ADJ
cblr-2965	816	18	studies	study	NOUN
cblr-2965	816	19	have	have	AUX
cblr-2965	816	20	failed	fail	VERB
cblr-2965	816	21	to	to	PART
cblr-2965	816	22	find	find	VERB
cblr-2965	816	23	consistently	consistently	ADV
cblr-2965	816	24	that	that	SCONJ
cblr-2965	816	25	expense	expense	NOUN
cblr-2965	816	26	ratios	ratio	NOUN
cblr-2965	816	27	have	have	AUX
cblr-2965	816	28	declined	decline	VERB
cblr-2965	816	29	in	in	ADP
cblr-2965	816	30	recent	recent	ADJ
cblr-2965	816	31	decades	decade	NOUN
cblr-2965	816	32	,	,	PUNCT
cblr-2965	816	33	even	even	ADV
cblr-2965	816	34	though	though	SCONJ
cblr-2965	816	35	the	the	DET
cblr-2965	816	36	industry	industry	NOUN
cblr-2965	816	37	enjoys	enjoy	VERB
cblr-2965	816	38	large	large	ADJ
cblr-2965	816	39	economies	economy	NOUN
cblr-2965	816	40	of	of	ADP
cblr-2965	816	41	scale	scale	NOUN
cblr-2965	816	42	and	and	CCONJ
cblr-2965	816	43	the	the	DET
cblr-2965	816	44	size	size	NOUN
cblr-2965	816	45	of	of	ADP
cblr-2965	816	46	funds	fund	NOUN
cblr-2965	816	47	and	and	CCONJ
cblr-2965	816	48	fund	fund	NOUN
cblr-2965	816	49	families	family	NOUN
cblr-2965	816	50	has	have	AUX
cblr-2965	816	51	grown	grow	VERB
cblr-2965	816	52	dramatically	dramatically	ADV
cblr-2965	816	53	.	.	PUNCT
cblr-2965	817	1	8	8	NUM
cblr-2965	817	2	for	for	ADP
cblr-2965	817	3	example	example	NOUN
cblr-2965	817	4	,	,	PUNCT
cblr-2965	817	5	an	an	DET
cblr-2965	817	6	sec	sec	PROPN
cblr-2965	817	7	study	study	NOUN
cblr-2965	817	8	in	in	ADP
cblr-2965	817	9	2000	2000	NUM
cblr-2965	817	10	found	find	VERB
cblr-2965	817	11	that	that	SCONJ
cblr-2965	817	12	the	the	DET
cblr-2965	817	13	weighted	weight	VERB
cblr-2965	817	14	average	average	ADJ
cblr-2965	817	15	expense	expense	NOUN
cblr-2965	817	16	ratio	ratio	NOUN
cblr-2965	817	17	for	for	ADP
cblr-2965	817	18	equity	equity	NOUN
cblr-2965	817	19	and	and	CCONJ
cblr-2965	817	20	bond	bond	NOUN
cblr-2965	817	21	funds	fund	NOUN
cblr-2965	817	22	rose	rise	VERB
cblr-2965	817	23	from	from	ADP
cblr-2965	817	24	0.73	0.73	NUM
cblr-2965	817	25	%	%	NOUN
cblr-2965	817	26	in	in	ADP
cblr-2965	817	27	1979	1979	NUM
cblr-2965	817	28	to	to	ADP
cblr-2965	817	29	0.94	0.94	NUM
cblr-2965	817	30	%	%	NOUN
cblr-2965	817	31	in	in	ADP
cblr-2965	817	32	1999.186	1999.186	PROPN
cblr-2965	817	33	that	that	PRON
cblr-2965	817	34	is	be	AUX
cblr-2965	817	35	,	,	PUNCT
cblr-2965	817	36	despite	despite	SCONJ
cblr-2965	817	37	the	the	DET
cblr-2965	817	38	ease	ease	NOUN
cblr-2965	817	39	with	with	ADP
cblr-2965	817	40	which	which	PRON
cblr-2965	817	41	fund	fund	NOUN
cblr-2965	817	42	investors	investor	NOUN
cblr-2965	817	43	may	may	AUX
cblr-2965	817	44	move	move	VERB
cblr-2965	817	45	from	from	ADP
cblr-2965	817	46	one	one	NUM
cblr-2965	817	47	fund	fund	NOUN
cblr-2965	817	48	to	to	ADP
cblr-2965	817	49	another	another	PRON
cblr-2965	817	50	,	,	PUNCT
cblr-2965	817	51	investors	investor	NOUN
cblr-2965	817	52	seem	seem	VERB
cblr-2965	817	53	not	not	PART
cblr-2965	817	54	to	to	PART
cblr-2965	817	55	have	have	AUX
cblr-2965	817	56	had	have	VERB
cblr-2965	817	57	a	a	DET
cblr-2965	817	58	great	great	ADJ
cblr-2965	817	59	disciplining	disciplining	ADJ
cblr-2965	817	60	effect	effect	NOUN
cblr-2965	817	61	on	on	ADP
cblr-2965	817	62	expenses	expense	NOUN
cblr-2965	817	63	.	.	PUNCT
cblr-2965	818	1	looking	look	VERB
cblr-2965	818	2	at	at	ADP
cblr-2965	818	3	overall	overall	ADJ
cblr-2965	818	4	fund	fund	NOUN
cblr-2965	818	5	costs	cost	NOUN
cblr-2965	818	6	(	(	PUNCT
cblr-2965	818	7	loads	load	NOUN
cblr-2965	818	8	and	and	CCONJ
cblr-2965	818	9	expenses	expense	NOUN
cblr-2965	818	10	)	)	PUNCT
cblr-2965	818	11	,	,	PUNCT
cblr-2965	818	12	the	the	DET
cblr-2965	818	13	studies	study	NOUN
cblr-2965	818	14	examined	examine	VERB
cblr-2965	818	15	by	by	ADP
cblr-2965	818	16	coates	coate	NOUN
cblr-2965	818	17	and	and	CCONJ
cblr-2965	818	18	hubbard	hubbard	PROPN
cblr-2965	818	19	came	come	VERB
cblr-2965	818	20	to	to	ADP
cblr-2965	818	21	mixed	mixed	ADJ
cblr-2965	818	22	results	result	NOUN
cblr-2965	818	23	,	,	PUNCT
cblr-2965	818	24	though	though	SCONJ
cblr-2965	818	25	tending	tend	VERB
cblr-2965	818	26	to	to	PART
cblr-2965	818	27	find	find	VERB
cblr-2965	818	28	a	a	DET
cblr-2965	818	29	decline	decline	NOUN
cblr-2965	818	30	in	in	ADP
cblr-2965	818	31	total	total	ADJ
cblr-2965	818	32	investor	investor	NOUN
cblr-2965	818	33	costs	cost	NOUN
cblr-2965	818	34	.	.	PUNCT
cblr-2965	819	1	that	that	PRON
cblr-2965	819	2	is	be	AUX
cblr-2965	819	3	,	,	PUNCT
cblr-2965	819	4	when	when	SCONJ
cblr-2965	819	5	loads	load	NOUN
cblr-2965	819	6	are	be	AUX
cblr-2965	819	7	added	add	VERB
cblr-2965	819	8	to	to	ADP
cblr-2965	819	9	operating	operate	VERB
cblr-2965	819	10	expense	expense	NOUN
cblr-2965	819	11	ratios	ratio	NOUN
cblr-2965	819	12	(	(	PUNCT
cblr-2965	819	13	not	not	PART
cblr-2965	819	14	taking	take	VERB
cblr-2965	819	15	into	into	ADP
cblr-2965	819	16	account	account	NOUN
cblr-2965	819	17	trading	trading	NOUN
cblr-2965	819	18	costs	cost	NOUN
cblr-2965	819	19	)	)	PUNCT
cblr-2965	819	20	,	,	PUNCT
cblr-2965	819	21	the	the	DET
cblr-2965	819	22	overall	overall	ADJ
cblr-2965	819	23	costs	cost	NOUN
cblr-2965	819	24	to	to	PART
cblr-2965	819	25	fund	fund	VERB
cblr-2965	819	26	investors	investor	NOUN
cblr-2965	819	27	declined	decline	VERB
cblr-2965	819	28	from	from	ADP
cblr-2965	819	29	the	the	DET
cblr-2965	819	30	1970s	1970	NOUN
cblr-2965	819	31	to	to	ADP
cblr-2965	819	32	the	the	DET
cblr-2965	819	33	1990s	1990s	NUM
cblr-2965	819	34	.	.	PUNCT
cblr-2965	820	1	for	for	ADP
cblr-2965	820	2	example	example	NOUN
cblr-2965	820	3	,	,	PUNCT
cblr-2965	820	4	khorana	khorana	PROPN
cblr-2965	820	5	and	and	CCONJ
cblr-2965	820	6	servaes	servaes	PROPN
cblr-2965	820	7	found	find	VERB
cblr-2965	820	8	that	that	SCONJ
cblr-2965	820	9	total	total	ADJ
cblr-2965	820	10	costs	cost	NOUN
cblr-2965	820	11	(	(	PUNCT
cblr-2965	820	12	calculated	calculate	VERB
cblr-2965	820	13	as	as	ADP
cblr-2965	820	14	the	the	DET
cblr-2965	820	15	weighted	weighted	ADJ
cblr-2965	820	16	average	average	ADJ
cblr-2965	820	17	expense	expense	NOUN
cblr-2965	820	18	ratio	ratio	NOUN
cblr-2965	820	19	plus	plus	CCONJ
cblr-2965	820	20	oneseventh	oneseventh	NOUN
cblr-2965	820	21	of	of	ADP
cblr-2965	820	22	frontand	frontand	NOUN
cblr-2965	820	23	back	back	ADJ
cblr-2965	820	24	-	-	PUNCT
cblr-2965	820	25	end	end	NOUN
cblr-2965	820	26	loads	load	NOUN
cblr-2965	820	27	)	)	PUNCT
cblr-2965	820	28	fell	fall	VERB
cblr-2965	820	29	from	from	ADP
cblr-2965	820	30	1.40	1.40	NUM
cblr-2965	820	31	%	%	NOUN
cblr-2965	820	32	in	in	ADP
cblr-2965	820	33	1979	1979	NUM
cblr-2965	820	34	to	to	ADP
cblr-2965	820	35	1.19	1.19	NUM
cblr-2965	820	36	%	%	NOUN
cblr-2965	820	37	in	in	ADP
cblr-2965	820	38	1998.187	1998.187	NUM
cblr-2965	820	39	however	however	ADV
cblr-2965	820	40	,	,	PUNCT
cblr-2965	820	41	the	the	DET
cblr-2965	820	42	studies	study	NOUN
cblr-2965	820	43	do	do	AUX
cblr-2965	820	44	not	not	PART
cblr-2965	820	45	reach	reach	VERB
cblr-2965	820	46	uniform	uniform	ADJ
cblr-2965	820	47	conclusions	conclusion	NOUN
cblr-2965	820	48	.	.	PUNCT
cblr-2965	821	1	for	for	ADP
cblr-2965	821	2	example	example	NOUN
cblr-2965	821	3	,	,	PUNCT
cblr-2965	821	4	one	one	NUM
cblr-2965	821	5	study	study	NOUN
cblr-2965	821	6	found	find	VERB
cblr-2965	821	7	that	that	SCONJ
cblr-2965	821	8	weighted	weight	VERB
cblr-2965	821	9	average	average	ADJ
cblr-2965	821	10	total	total	ADJ
cblr-2965	821	11	costs	cost	NOUN
cblr-2965	821	12	for	for	ADP
cblr-2965	821	13	s&p	s&p	PROPN
cblr-2965	821	14	500	500	NUM
cblr-2965	821	15	index	index	NOUN
cblr-2965	821	16	funds	fund	NOUN
cblr-2965	821	17	rose	rise	VERB
cblr-2965	821	18	from	from	ADP
cblr-2965	821	19	0.27	0.27	NUM
cblr-2965	821	20	%	%	NOUN
cblr-2965	821	21	in	in	ADP
cblr-2965	821	22	1995	1995	NUM
cblr-2965	821	23	to	to	ADP
cblr-2965	821	24	0.32	0.32	NUM
cblr-2965	821	25	%	%	NOUN
cblr-2965	821	26	in	in	ADP
cblr-2965	821	27	2000.88	2000.88	NUM
cblr-2965	821	28	in	in	ADP
cblr-2965	821	29	addition	addition	NOUN
cblr-2965	821	30	,	,	PUNCT
cblr-2965	821	31	another	another	DET
cblr-2965	821	32	184	184	NUM
cblr-2965	821	33	zhang	zhang	PROPN
cblr-2965	821	34	,	,	PUNCT
cblr-2965	821	35	supra	supra	PROPN
cblr-2965	821	36	note	note	PROPN
cblr-2965	821	37	183	183	NUM
cblr-2965	821	38	,	,	PUNCT
cblr-2965	821	39	at	at	ADP
cblr-2965	821	40	21	21	NUM
cblr-2965	821	41	.	.	PUNCT
cblr-2965	821	42	185	185	NUM
cblr-2965	821	43	coates	coate	NOUN
cblr-2965	821	44	&	&	CCONJ
cblr-2965	821	45	hubbard	hubbard	PROPN
cblr-2965	821	46	,	,	PUNCT
cblr-2965	821	47	supra	supra	PROPN
cblr-2965	821	48	note	note	PROPN
cblr-2965	821	49	183	183	NUM
cblr-2965	821	50	,	,	PUNCT
cblr-2965	821	51	at	at	ADP
cblr-2965	821	52	175	175	NUM
cblr-2965	821	53	,	,	PUNCT
cblr-2965	821	54	tbl.6	tbl.6	PROPN
cblr-2965	821	55	;	;	PUNCT
cblr-2965	821	56	gao	gao	PROPN
cblr-2965	821	57	,	,	PUNCT
cblr-2965	821	58	mutual	mutual	ADJ
cblr-2965	821	59	fund	fund	NOUN
cblr-2965	821	60	fees	fee	NOUN
cblr-2965	821	61	,	,	PUNCT
cblr-2965	821	62	supra	supra	PROPN
cblr-2965	821	63	note	note	PROPN
cblr-2965	821	64	68	68	NUM
cblr-2965	821	65	,	,	PUNCT
cblr-2965	821	66	at	at	ADP
cblr-2965	821	67	9	9	NUM
cblr-2965	821	68	(	(	PUNCT
cblr-2965	821	69	"	"	PUNCT
cblr-2965	821	70	academic	academic	ADJ
cblr-2965	821	71	studies	study	NOUN
cblr-2965	821	72	and	and	CCONJ
cblr-2965	821	73	other	other	ADJ
cblr-2965	821	74	research	research	NOUN
cblr-2965	821	75	find	find	VERB
cblr-2965	821	76	that	that	SCONJ
cblr-2965	821	77	as	as	SCONJ
cblr-2965	821	78	mutual	mutual	ADJ
cblr-2965	821	79	fund	fund	NOUN
cblr-2965	821	80	assets	asset	NOUN
cblr-2965	821	81	grow	grow	VERB
cblr-2965	821	82	,	,	PUNCT
cblr-2965	821	83	mutual	mutual	ADJ
cblr-2965	821	84	fund	fund	NOUN
cblr-2965	821	85	advisers	adviser	NOUN
cblr-2965	821	86	experience	experience	VERB
cblr-2965	821	87	operational	operational	ADJ
cblr-2965	821	88	efficiencies	efficiency	NOUN
cblr-2965	821	89	or	or	CCONJ
cblr-2965	821	90	economies	economy	NOUN
cblr-2965	821	91	of	of	ADP
cblr-2965	821	92	scale	scale	NOUN
cblr-2965	821	93	that	that	PRON
cblr-2965	821	94	would	would	AUX
cblr-2965	821	95	allow	allow	VERB
cblr-2965	821	96	them	they	PRON
cblr-2965	821	97	to	to	PART
cblr-2965	821	98	reduce	reduce	VERB
cblr-2965	821	99	their	their	PRON
cblr-2965	821	100	funds	fund	NOUN
cblr-2965	821	101	'	'	PART
cblr-2965	821	102	expense	expense	NOUN
cblr-2965	821	103	ratios	ratio	NOUN
cblr-2965	821	104	.	.	PUNCT
cblr-2965	821	105	"	"	PUNCT
cblr-2965	821	106	)	)	PUNCT
cblr-2965	821	107	.	.	PUNCT
cblr-2965	822	1	18	18	NUM
cblr-2965	822	2	sec	sec	PROPN
cblr-2965	822	3	fee	fee	NOUN
cblr-2965	822	4	report	report	NOUN
cblr-2965	822	5	,	,	PUNCT
cblr-2965	822	6	supra	supra	PROPN
cblr-2965	822	7	note	note	NOUN
cblr-2965	822	8	106	106	NUM
cblr-2965	822	9	at	at	ADP
cblr-2965	822	10	§	§	PROPN
cblr-2965	822	11	iii(c)(2	iii(c)(2	NOUN
cblr-2965	822	12	)	)	PUNCT
cblr-2965	822	13	.	.	PUNCT
cblr-2965	823	1	187	187	NUM
cblr-2965	823	2	khorana	khorana	PROPN
cblr-2965	823	3	&	&	CCONJ
cblr-2965	823	4	servaes	servaes	PROPN
cblr-2965	823	5	,	,	PUNCT
cblr-2965	823	6	supra	supra	PROPN
cblr-2965	823	7	note	note	NOUN
cblr-2965	823	8	183	183	NUM
cblr-2965	823	9	,	,	PUNCT
cblr-2965	823	10	at	at	ADP
cblr-2965	823	11	19	19	NUM
cblr-2965	823	12	.	.	SYM
cblr-2965	823	13	1	1	NUM
cblr-2965	823	14	ali	ali	PROPN
cblr-2965	823	15	hortaqsu	hortaqsu	PROPN
cblr-2965	823	16	&	&	CCONJ
cblr-2965	823	17	chad	chad	PROPN
cblr-2965	823	18	syverson	syverson	PROPN
cblr-2965	823	19	,	,	PUNCT
cblr-2965	823	20	product	product	NOUN
cblr-2965	823	21	differentiation	differentiation	NOUN
cblr-2965	823	22	,	,	PUNCT
cblr-2965	823	23	search	search	NOUN
cblr-2965	823	24	costs	cost	NOUN
cblr-2965	823	25	,	,	PUNCT
cblr-2965	823	26	and	and	CCONJ
cblr-2965	823	27	competition	competition	NOUN
cblr-2965	823	28	in	in	ADP
cblr-2965	823	29	the	the	DET
cblr-2965	823	30	mutual	mutual	ADJ
cblr-2965	823	31	fund	fund	NOUN
cblr-2965	823	32	industry	industry	NOUN
cblr-2965	823	33	:	:	PUNCT
cblr-2965	823	34	a	a	DET
cblr-2965	823	35	case	case	NOUN
cblr-2965	823	36	study	study	NOUN
cblr-2965	823	37	of	of	ADP
cblr-2965	823	38	s&p	s&p	PROPN
cblr-2965	823	39	500	500	NUM
cblr-2965	823	40	index	index	NOUN
cblr-2965	823	41	funds	fund	NOUN
cblr-2965	823	42	,	,	PUNCT
cblr-2965	823	43	q.	q.	PROPN
cblr-2965	823	44	j.	j.	PROPN
cblr-2965	823	45	econ	econ	PROPN
cblr-2965	823	46	403	403	PROPN
cblr-2965	823	47	,	,	PUNCT
cblr-2965	823	48	409	409	NUM
cblr-2965	823	49	tbl.2	tbl.2	PROPN
cblr-2965	823	50	(	(	PUNCT
cblr-2965	823	51	2004	2004	NUM
cblr-2965	823	52	)	)	PUNCT
cblr-2965	823	53	.	.	PUNCT
cblr-2965	824	1	[	[	X
cblr-2965	824	2	vol	vol	NOUN
cblr-2965	824	3	.	.	NOUN
cblr-2965	824	4	2008	2008	NUM
cblr-2965	824	5	study	study	NOUN
cblr-2965	824	6	found	find	VERB
cblr-2965	824	7	that	that	SCONJ
cblr-2965	824	8	12b-1	12b-1	NUM
cblr-2965	824	9	fees	fee	NOUN
cblr-2965	824	10	(	(	PUNCT
cblr-2965	824	11	an	an	DET
cblr-2965	824	12	implicit	implicit	ADJ
cblr-2965	824	13	load	load	NOUN
cblr-2965	824	14	collected	collect	VERB
cblr-2965	824	15	over	over	ADP
cblr-2965	824	16	time	time	NOUN
cblr-2965	824	17	)	)	PUNCT
cblr-2965	824	18	rose	rise	VERB
cblr-2965	824	19	from	from	ADP
cblr-2965	824	20	0.14	0.14	NUM
cblr-2965	824	21	%	%	NOUN
cblr-2965	824	22	in	in	ADP
cblr-2965	824	23	1993	1993	NUM
cblr-2965	824	24	to	to	ADP
cblr-2965	824	25	0.20	0.20	NUM
cblr-2965	824	26	%	%	NOUN
cblr-2965	824	27	in	in	ADP
cblr-2965	824	28	1999.189	1999.189	NUM
cblr-2965	824	29	3	3	NUM
cblr-2965	824	30	.	.	PUNCT
cblr-2965	824	31	evidence	evidence	NOUN
cblr-2965	824	32	from	from	ADP
cblr-2965	824	33	index	index	NOUN
cblr-2965	824	34	funds	fund	NOUN
cblr-2965	824	35	the	the	DET
cblr-2965	824	36	growth	growth	NOUN
cblr-2965	824	37	of	of	ADP
cblr-2965	824	38	index	index	NOUN
cblr-2965	824	39	funds	fund	NOUN
cblr-2965	824	40	over	over	ADP
cblr-2965	824	41	the	the	DET
cblr-2965	824	42	past	past	ADJ
cblr-2965	824	43	thirty	thirty	NUM
cblr-2965	824	44	years	year	NOUN
cblr-2965	824	45	provides	provide	VERB
cblr-2965	824	46	evidence	evidence	NOUN
cblr-2965	824	47	that	that	SCONJ
cblr-2965	824	48	a	a	DET
cblr-2965	824	49	subset	subset	NOUN
cblr-2965	824	50	of	of	ADP
cblr-2965	824	51	investors	investor	NOUN
cblr-2965	824	52	is	be	AUX
cblr-2965	824	53	sensitive	sensitive	ADJ
cblr-2965	824	54	to	to	ADP
cblr-2965	824	55	fund	fund	NOUN
cblr-2965	824	56	expenses	expense	NOUN
cblr-2965	824	57	.	.	PUNCT
cblr-2965	825	1	index	index	NOUN
cblr-2965	825	2	funds	fund	NOUN
cblr-2965	825	3	are	be	AUX
cblr-2965	825	4	funds	fund	NOUN
cblr-2965	825	5	that	that	PRON
cblr-2965	825	6	attempt	attempt	VERB
cblr-2965	825	7	to	to	PART
cblr-2965	825	8	match	match	VERB
cblr-2965	825	9	,	,	PUNCT
cblr-2965	825	10	rather	rather	ADV
cblr-2965	825	11	than	than	ADP
cblr-2965	825	12	beat	beat	VERB
cblr-2965	825	13	,	,	PUNCT
cblr-2965	825	14	the	the	DET
cblr-2965	825	15	returns	return	NOUN
cblr-2965	825	16	of	of	ADP
cblr-2965	825	17	a	a	DET
cblr-2965	825	18	particular	particular	ADJ
cblr-2965	825	19	market	market	NOUN
cblr-2965	825	20	index	index	NOUN
cblr-2965	825	21	,	,	PUNCT
cblr-2965	825	22	such	such	ADJ
cblr-2965	825	23	as	as	ADP
cblr-2965	825	24	the	the	DET
cblr-2965	825	25	s&p	s&p	PROPN
cblr-2965	825	26	500.190	500.190	NUM
cblr-2965	825	27	index	index	NOUN
cblr-2965	825	28	funds	fund	NOUN
cblr-2965	825	29	'	'	PART
cblr-2965	825	30	management	management	NOUN
cblr-2965	825	31	fees	fee	NOUN
cblr-2965	825	32	can	can	AUX
cblr-2965	825	33	be	be	AUX
cblr-2965	825	34	very	very	ADV
cblr-2965	825	35	low	low	ADJ
cblr-2965	825	36	because	because	SCONJ
cblr-2965	825	37	,	,	PUNCT
cblr-2965	825	38	unlike	unlike	ADP
cblr-2965	825	39	actively	actively	ADV
cblr-2965	825	40	managed	manage	VERB
cblr-2965	825	41	funds	fund	NOUN
cblr-2965	825	42	,	,	PUNCT
cblr-2965	825	43	they	they	PRON
cblr-2965	825	44	need	need	AUX
cblr-2965	825	45	not	not	PART
cblr-2965	825	46	incur	incur	VERB
cblr-2965	825	47	stock	stock	NOUN
cblr-2965	825	48	-	-	PUNCT
cblr-2965	825	49	picking	pick	VERB
cblr-2965	825	50	research	research	NOUN
cblr-2965	825	51	expenses	expense	NOUN
cblr-2965	825	52	;	;	PUNCT
cblr-2965	825	53	index	index	NOUN
cblr-2965	825	54	funds	fund	NOUN
cblr-2965	825	55	merely	merely	ADV
cblr-2965	825	56	buy	buy	VERB
cblr-2965	825	57	a	a	DET
cblr-2965	825	58	portfolio	portfolio	NOUN
cblr-2965	825	59	of	of	ADP
cblr-2965	825	60	stocks	stock	NOUN
cblr-2965	825	61	that	that	PRON
cblr-2965	825	62	tracks	track	VERB
cblr-2965	825	63	the	the	DET
cblr-2965	825	64	reference	reference	NOUN
cblr-2965	825	65	index	index	NOUN
cblr-2965	825	66	.	.	PUNCT
cblr-2965	826	1	9	9	NUM
cblr-2965	826	2	'	'	PUNCT
cblr-2965	826	3	in	in	ADP
cblr-2965	826	4	addition	addition	NOUN
cblr-2965	826	5	,	,	PUNCT
cblr-2965	826	6	index	index	NOUN
cblr-2965	826	7	funds	fund	NOUN
cblr-2965	826	8	buy	buy	VERB
cblr-2965	826	9	and	and	CCONJ
cblr-2965	826	10	sell	sell	VERB
cblr-2965	826	11	securities	security	NOUN
cblr-2965	826	12	far	far	ADV
cblr-2965	826	13	less	less	ADV
cblr-2965	826	14	often	often	ADV
cblr-2965	826	15	than	than	ADP
cblr-2965	826	16	most	most	ADV
cblr-2965	826	17	actively	actively	ADV
cblr-2965	826	18	managed	manage	VERB
cblr-2965	826	19	funds	fund	NOUN
cblr-2965	826	20	,	,	PUNCT
cblr-2965	826	21	resulting	result	VERB
cblr-2965	826	22	in	in	ADP
cblr-2965	826	23	much	much	ADV
cblr-2965	826	24	lower	low	ADJ
cblr-2965	826	25	transaction	transaction	NOUN
cblr-2965	826	26	costs	cost	NOUN
cblr-2965	826	27	.	.	PUNCT
cblr-2965	826	28	'92	'92	NUM
cblr-2965	826	29	as	as	ADP
cblr-2965	826	30	a	a	DET
cblr-2965	826	31	result	result	NOUN
cblr-2965	826	32	,	,	PUNCT
cblr-2965	826	33	the	the	DET
cblr-2965	826	34	expenses	expense	NOUN
cblr-2965	826	35	of	of	ADP
cblr-2965	826	36	index	index	NOUN
cblr-2965	826	37	funds	fund	NOUN
cblr-2965	826	38	are	be	AUX
cblr-2965	826	39	generally	generally	ADV
cblr-2965	826	40	lower	low	ADJ
cblr-2965	826	41	than	than	ADP
cblr-2965	826	42	those	those	PRON
cblr-2965	826	43	of	of	ADP
cblr-2965	826	44	actively	actively	ADV
cblr-2965	826	45	managed	manage	VERB
cblr-2965	826	46	funds	fund	NOUN
cblr-2965	826	47	.	.	PUNCT
cblr-2965	827	1	193	193	NUM
cblr-2965	827	2	the	the	DET
cblr-2965	827	3	growth	growth	NOUN
cblr-2965	827	4	of	of	ADP
cblr-2965	827	5	index	index	NOUN
cblr-2965	827	6	funds	fund	NOUN
cblr-2965	827	7	is	be	AUX
cblr-2965	827	8	not	not	PART
cblr-2965	827	9	surprising	surprising	ADJ
cblr-2965	827	10	.	.	PUNCT
cblr-2965	828	1	the	the	DET
cblr-2965	828	2	popular	popular	ADJ
cblr-2965	828	3	media	medium	NOUN
cblr-2965	828	4	has	have	AUX
cblr-2965	828	5	given	give	VERB
cblr-2965	828	6	increasing	increase	VERB
cblr-2965	828	7	attention	attention	NOUN
cblr-2965	828	8	to	to	ADP
cblr-2965	828	9	the	the	DET
cblr-2965	828	10	benefits	benefit	NOUN
cblr-2965	828	11	of	of	ADP
cblr-2965	828	12	index	index	NOUN
cblr-2965	828	13	funds	fund	NOUN
cblr-2965	828	14	,	,	PUNCT
cblr-2965	828	15	which	which	PRON
cblr-2965	828	16	generally	generally	ADV
cblr-2965	828	17	outperform	outperform	VERB
cblr-2965	828	18	actively	actively	ADV
cblr-2965	828	19	managed	manage	VERB
cblr-2965	828	20	funds	fund	NOUN
cblr-2965	828	21	.	.	PUNCT
cblr-2965	829	1	popular	popular	ADJ
cblr-2965	829	2	publications	publication	NOUN
cblr-2965	829	3	such	such	ADJ
cblr-2965	829	4	as	as	ADP
cblr-2965	829	5	money	money	NOUN
cblr-2965	829	6	magazine	magazine	NOUN
cblr-2965	829	7	and	and	CCONJ
cblr-2965	829	8	the	the	DET
cblr-2965	829	9	"	"	PUNCT
cblr-2965	829	10	getting	getting	AUX
cblr-2965	829	11	going	go	VERB
cblr-2965	829	12	"	"	PUNCT
cblr-2965	829	13	column	column	NOUN
cblr-2965	829	14	in	in	ADP
cblr-2965	829	15	the	the	DET
cblr-2965	829	16	wall	wall	PROPN
cblr-2965	829	17	street	street	PROPN
cblr-2965	829	18	journal	journal	PROPN
cblr-2965	829	19	have	have	VERB
cblr-2965	829	20	...	...	PUNCT
cblr-2965	829	21	barber	barber	PROPN
cblr-2965	829	22	et	et	PROPN
cblr-2965	829	23	al	al	PROPN
cblr-2965	829	24	.	.	PROPN
cblr-2965	829	25	,	,	PUNCT
cblr-2965	829	26	supra	supra	PROPN
cblr-2965	829	27	note	note	VERB
cblr-2965	829	28	180	180	NUM
cblr-2965	829	29	,	,	PUNCT
cblr-2965	829	30	at	at	ADP
cblr-2965	829	31	2108	2108	NUM
cblr-2965	829	32	-	-	SYM
cblr-2965	829	33	10	10	NUM
cblr-2965	829	34	.	.	PUNCT
cblr-2965	830	1	thus	thus	ADV
cblr-2965	830	2	,	,	PUNCT
cblr-2965	830	3	coates	coate	NOUN
cblr-2965	830	4	and	and	CCONJ
cblr-2965	830	5	hubbard	hubbard	NOUN
cblr-2965	830	6	's	's	PART
cblr-2965	830	7	thesis	thesis	NOUN
cblr-2965	830	8	that	that	SCONJ
cblr-2965	830	9	the	the	DET
cblr-2965	830	10	mutual	mutual	ADJ
cblr-2965	830	11	fund	fund	NOUN
cblr-2965	830	12	market	market	NOUN
cblr-2965	830	13	is	be	AUX
cblr-2965	830	14	competitive	competitive	ADJ
cblr-2965	830	15	because	because	SCONJ
cblr-2965	830	16	fund	fund	NOUN
cblr-2965	830	17	investors	investor	NOUN
cblr-2965	830	18	can	can	AUX
cblr-2965	830	19	and	and	CCONJ
cblr-2965	830	20	do	do	AUX
cblr-2965	830	21	move	move	VERB
cblr-2965	830	22	to	to	ADP
cblr-2965	830	23	lower	low	ADJ
cblr-2965	830	24	-	-	PUNCT
cblr-2965	830	25	cost	cost	NOUN
cblr-2965	830	26	funds	fund	NOUN
cblr-2965	830	27	is	be	AUX
cblr-2965	830	28	not	not	PART
cblr-2965	830	29	supported	support	VERB
cblr-2965	830	30	by	by	ADP
cblr-2965	830	31	much	much	ADJ
cblr-2965	830	32	of	of	ADP
cblr-2965	830	33	the	the	DET
cblr-2965	830	34	evidence	evidence	NOUN
cblr-2965	830	35	they	they	PRON
cblr-2965	830	36	cite	cite	VERB
cblr-2965	830	37	.	.	PUNCT
cblr-2965	831	1	although	although	SCONJ
cblr-2965	831	2	investors	investor	NOUN
cblr-2965	831	3	have	have	AUX
cblr-2965	831	4	moved	move	VERB
cblr-2965	831	5	away	away	ADV
cblr-2965	831	6	from	from	ADP
cblr-2965	831	7	funds	fund	NOUN
cblr-2965	831	8	that	that	PRON
cblr-2965	831	9	charge	charge	VERB
cblr-2965	831	10	loads	load	NOUN
cblr-2965	831	11	(	(	PUNCT
cblr-2965	831	12	see	see	VERB
cblr-2965	831	13	infra	infra	NOUN
cblr-2965	831	14	pp	pp	X
cblr-2965	831	15	.	.	PUNCT
cblr-2965	832	1	990	990	NUM
cblr-2965	832	2	-	-	SYM
cblr-2965	832	3	94	94	NUM
cblr-2965	832	4	)	)	PUNCT
cblr-2965	832	5	they	they	PRON
cblr-2965	832	6	have	have	AUX
cblr-2965	832	7	not	not	PART
cblr-2965	832	8	exercised	exercise	VERB
cblr-2965	832	9	the	the	DET
cblr-2965	832	10	same	same	ADJ
cblr-2965	832	11	discipline	discipline	NOUN
cblr-2965	832	12	with	with	ADP
cblr-2965	832	13	respect	respect	NOUN
cblr-2965	832	14	to	to	ADP
cblr-2965	832	15	ongoing	ongoing	ADJ
cblr-2965	832	16	management	management	NOUN
cblr-2965	832	17	expenses	expense	NOUN
cblr-2965	832	18	and	and	CCONJ
cblr-2965	832	19	12b-1	12b-1	NUM
cblr-2965	832	20	fees	fee	NOUN
cblr-2965	832	21	.	.	PUNCT
cblr-2965	833	1	that	that	PRON
cblr-2965	833	2	is	be	AUX
cblr-2965	833	3	,	,	PUNCT
cblr-2965	833	4	there	there	PRON
cblr-2965	833	5	may	may	AUX
cblr-2965	833	6	be	be	AUX
cblr-2965	833	7	price	price	NOUN
cblr-2965	833	8	competition	competition	NOUN
cblr-2965	833	9	with	with	ADP
cblr-2965	833	10	respect	respect	NOUN
cblr-2965	833	11	to	to	ADP
cblr-2965	833	12	highly	highly	ADV
cblr-2965	833	13	-	-	PUNCT
cblr-2965	833	14	salient	salient	NOUN
cblr-2965	833	15	loads	load	NOUN
cblr-2965	833	16	,	,	PUNCT
cblr-2965	833	17	but	but	CCONJ
cblr-2965	833	18	competition	competition	NOUN
cblr-2965	833	19	is	be	AUX
cblr-2965	833	20	much	much	ADV
cblr-2965	833	21	weaker	weak	ADJ
cblr-2965	833	22	with	with	ADP
cblr-2965	833	23	respect	respect	NOUN
cblr-2965	833	24	to	to	ADP
cblr-2965	833	25	less	less	ADV
cblr-2965	833	26	visible	visible	ADJ
cblr-2965	833	27	,	,	PUNCT
cblr-2965	833	28	ongoing	ongoing	ADJ
cblr-2965	833	29	fund	fund	NOUN
cblr-2965	833	30	costs	cost	NOUN
cblr-2965	833	31	-	-	PUNCT
cblr-2965	833	32	out	out	NOUN
cblr-2965	833	33	of	of	ADP
cblr-2965	833	34	sight	sight	NOUN
cblr-2965	833	35	,	,	PUNCT
cblr-2965	833	36	out	out	ADP
cblr-2965	833	37	of	of	ADP
cblr-2965	833	38	mind	mind	NOUN
cblr-2965	833	39	.	.	PUNCT
cblr-2965	834	1	190	190	NUM
cblr-2965	834	2	4	4	NUM
cblr-2965	834	3	tamar	tamar	PROPN
cblr-2965	834	4	frankel	frankel	PROPN
cblr-2965	834	5	&	&	CCONJ
cblr-2965	834	6	ann	ann	PROPN
cblr-2965	834	7	taylor	taylor	PROPN
cblr-2965	834	8	schwing	schwing	PROPN
cblr-2965	834	9	,	,	PUNCT
cblr-2965	834	10	the	the	DET
cblr-2965	834	11	regulation	regulation	NOUN
cblr-2965	834	12	of	of	ADP
cblr-2965	834	13	money	money	NOUN
cblr-2965	834	14	managers	manager	NOUN
cblr-2965	834	15	:	:	PUNCT
cblr-2965	834	16	mutual	mutual	ADJ
cblr-2965	834	17	funds	fund	NOUN
cblr-2965	834	18	and	and	CCONJ
cblr-2965	834	19	advisors	advisor	NOUN
cblr-2965	834	20	§	§	PROPN
cblr-2965	834	21	31.02	31.02	NUM
cblr-2965	834	22	[	[	X
cblr-2965	834	23	j	j	X
cblr-2965	834	24	]	]	X
cblr-2965	834	25	(	(	PUNCT
cblr-2965	834	26	2008	2008	NUM
cblr-2965	834	27	)	)	PUNCT
cblr-2965	834	28	.	.	PUNCT
cblr-2965	835	1	191	191	NUM
cblr-2965	835	2	burton	burton	PROPN
cblr-2965	835	3	g.	g.	PROPN
cblr-2965	835	4	malkiel	malkiel	PROPN
cblr-2965	835	5	,	,	PUNCT
cblr-2965	835	6	a	a	DET
cblr-2965	835	7	random	random	ADJ
cblr-2965	835	8	walk	walk	NOUN
cblr-2965	835	9	down	down	ADP
cblr-2965	835	10	wall	wall	PROPN
cblr-2965	835	11	street	street	PROPN
cblr-2965	835	12	360	360	NUM
cblr-2965	835	13	(	(	PUNCT
cblr-2965	835	14	9th	9th	ADJ
cblr-2965	835	15	ed	ed	NOUN
cblr-2965	835	16	.	.	PROPN
cblr-2965	835	17	2007	2007	NUM
cblr-2965	835	18	)	)	PUNCT
cblr-2965	835	19	.	.	PUNCT
cblr-2965	836	1	192	192	NUM
cblr-2965	837	1	i	i	PRON
cblr-2965	837	2	d.	d.	PROPN
cblr-2965	837	3	193	193	NUM
cblr-2965	838	1	i	i	PRON
cblr-2965	838	2	d.	d.	PROPN
cblr-2965	838	3	at	at	ADP
cblr-2965	838	4	359	359	NUM
cblr-2965	838	5	.	.	PUNCT
cblr-2965	839	1	no	no	INTJ
cblr-2965	839	2	.	.	PUNCT
cblr-2965	840	1	3:934	3:934	X
cblr-2965	840	2	]	]	X
cblr-2965	840	3	mutual	mutual	ADJ
cblr-2965	840	4	fund	fund	NOUN
cblr-2965	840	5	investors	investor	NOUN
cblr-2965	840	6	frequently	frequently	ADV
cblr-2965	840	7	touted	tout	VERB
cblr-2965	840	8	the	the	DET
cblr-2965	840	9	wisdom	wisdom	NOUN
cblr-2965	840	10	of	of	ADP
cblr-2965	840	11	buying	buy	VERB
cblr-2965	840	12	index	index	NOUN
cblr-2965	840	13	funds	fund	NOUN
cblr-2965	840	14	.	.	PUNCT
cblr-2965	841	1	"	"	PUNCT
cblr-2965	841	2	'	'	PUNCT
cblr-2965	841	3	this	this	DET
cblr-2965	841	4	message	message	NOUN
cblr-2965	841	5	appears	appear	VERB
cblr-2965	841	6	to	to	PART
cblr-2965	841	7	be	be	AUX
cblr-2965	841	8	getting	get	VERB
cblr-2965	841	9	through	through	ADP
cblr-2965	841	10	to	to	ADP
cblr-2965	841	11	some	some	DET
cblr-2965	841	12	investors	investor	NOUN
cblr-2965	841	13	.	.	PUNCT
cblr-2965	842	1	the	the	DET
cblr-2965	842	2	popularity	popularity	NOUN
cblr-2965	842	3	of	of	ADP
cblr-2965	842	4	index	index	NOUN
cblr-2965	842	5	funds	fund	NOUN
cblr-2965	842	6	,	,	PUNCT
cblr-2965	842	7	however	however	ADV
cblr-2965	842	8	,	,	PUNCT
cblr-2965	842	9	has	have	AUX
cblr-2965	842	10	plateaued	plateaue	VERB
cblr-2965	842	11	.	.	PUNCT
cblr-2965	843	1	index	index	NOUN
cblr-2965	843	2	funds	fund	NOUN
cblr-2965	843	3	first	first	ADV
cblr-2965	843	4	became	become	VERB
cblr-2965	843	5	available	available	ADJ
cblr-2965	843	6	in	in	ADP
cblr-2965	843	7	1976	1976	NUM
cblr-2965	843	8	,	,	PUNCT
cblr-2965	843	9	and	and	CCONJ
cblr-2965	843	10	by	by	ADP
cblr-2965	843	11	1999	1999	NUM
cblr-2965	843	12	they	they	PRON
cblr-2965	843	13	grew	grow	VERB
cblr-2965	843	14	to	to	PART
cblr-2965	843	15	hold	hold	VERB
cblr-2965	843	16	10	10	NUM
cblr-2965	843	17	%	%	NOUN
cblr-2965	843	18	of	of	ADP
cblr-2965	843	19	equity	equity	NOUN
cblr-2965	843	20	mutual	mutual	ADJ
cblr-2965	843	21	fund	fund	NOUN
cblr-2965	843	22	assets.195	assets.195	VERB
cblr-2965	843	23	the	the	DET
cblr-2965	843	24	market	market	NOUN
cblr-2965	843	25	share	share	NOUN
cblr-2965	843	26	of	of	ADP
cblr-2965	843	27	index	index	NOUN
cblr-2965	843	28	funds	fund	NOUN
cblr-2965	843	29	,	,	PUNCT
cblr-2965	843	30	however	however	ADV
cblr-2965	843	31	,	,	PUNCT
cblr-2965	843	32	has	have	AUX
cblr-2965	843	33	remained	remain	VERB
cblr-2965	843	34	stable	stable	ADJ
cblr-2965	843	35	since	since	SCONJ
cblr-2965	843	36	then	then	ADV
cblr-2965	843	37	.	.	PUNCT
cblr-2965	844	1	96	96	NUM
cblr-2965	844	2	therefore	therefore	ADV
cblr-2965	844	3	,	,	PUNCT
cblr-2965	844	4	to	to	ADP
cblr-2965	844	5	the	the	DET
cblr-2965	844	6	extent	extent	NOUN
cblr-2965	844	7	that	that	SCONJ
cblr-2965	844	8	the	the	DET
cblr-2965	844	9	existence	existence	NOUN
cblr-2965	844	10	of	of	ADP
cblr-2965	844	11	index	index	NOUN
cblr-2965	844	12	funds	fund	NOUN
cblr-2965	844	13	indicates	indicate	VERB
cblr-2965	844	14	that	that	SCONJ
cblr-2965	844	15	some	some	DET
cblr-2965	844	16	investors	investor	NOUN
cblr-2965	844	17	are	be	AUX
cblr-2965	844	18	sensitive	sensitive	ADJ
cblr-2965	844	19	to	to	ADP
cblr-2965	844	20	fund	fund	NOUN
cblr-2965	844	21	expenses	expense	NOUN
cblr-2965	844	22	,	,	PUNCT
cblr-2965	844	23	these	these	DET
cblr-2965	844	24	funds	fund	NOUN
cblr-2965	844	25	'	'	PART
cblr-2965	844	26	small	small	ADJ
cblr-2965	844	27	and	and	CCONJ
cblr-2965	844	28	flat	flat	ADJ
cblr-2965	844	29	market	market	NOUN
cblr-2965	844	30	share	share	NOUN
cblr-2965	844	31	indicates	indicate	VERB
cblr-2965	844	32	that	that	SCONJ
cblr-2965	844	33	cost	cost	NOUN
cblr-2965	844	34	-	-	PUNCT
cblr-2965	844	35	sensitive	sensitive	ADJ
cblr-2965	844	36	investors	investor	NOUN
cblr-2965	844	37	remain	remain	VERB
cblr-2965	844	38	a	a	DET
cblr-2965	844	39	weak	weak	ADJ
cblr-2965	844	40	market	market	NOUN
cblr-2965	844	41	force	force	NOUN
cblr-2965	844	42	,	,	PUNCT
cblr-2965	844	43	at	at	ADP
cblr-2965	844	44	best	good	ADJ
cblr-2965	844	45	.	.	PUNCT
cblr-2965	845	1	in	in	ADP
cblr-2965	845	2	addition	addition	NOUN
cblr-2965	845	3	,	,	PUNCT
cblr-2965	845	4	the	the	DET
cblr-2965	845	5	success	success	NOUN
cblr-2965	845	6	of	of	ADP
cblr-2965	845	7	high	high	ADJ
cblr-2965	845	8	-	-	PUNCT
cblr-2965	845	9	cost	cost	NOUN
cblr-2965	845	10	index	index	NOUN
cblr-2965	845	11	funds	fund	NOUN
cblr-2965	845	12	provides	provide	VERB
cblr-2965	845	13	further	further	ADJ
cblr-2965	845	14	evidence	evidence	NOUN
cblr-2965	845	15	that	that	SCONJ
cblr-2965	845	16	many	many	ADJ
cblr-2965	845	17	investors	investor	NOUN
cblr-2965	845	18	continue	continue	VERB
cblr-2965	845	19	to	to	PART
cblr-2965	845	20	disregard	disregard	VERB
cblr-2965	845	21	fund	fund	NOUN
cblr-2965	845	22	expenses	expense	NOUN
cblr-2965	845	23	.	.	PUNCT
cblr-2965	846	1	although	although	SCONJ
cblr-2965	846	2	an	an	DET
cblr-2965	846	3	investor	investor	NOUN
cblr-2965	846	4	might	might	AUX
cblr-2965	846	5	buy	buy	VERB
cblr-2965	846	6	a	a	DET
cblr-2965	846	7	high	high	ADJ
cblr-2965	846	8	-	-	PUNCT
cblr-2965	846	9	cost	cost	NOUN
cblr-2965	846	10	actively	actively	ADV
cblr-2965	846	11	-	-	PUNCT
cblr-2965	846	12	managed	manage	VERB
cblr-2965	846	13	fund	fund	NOUN
cblr-2965	846	14	believing	believe	VERB
cblr-2965	846	15	that	that	SCONJ
cblr-2965	846	16	the	the	DET
cblr-2965	846	17	fund	fund	NOUN
cblr-2965	846	18	manager	manager	NOUN
cblr-2965	846	19	's	's	PART
cblr-2965	846	20	stock	stock	NOUN
cblr-2965	846	21	-	-	PUNCT
cblr-2965	846	22	picking	picking	NOUN
cblr-2965	846	23	skills	skill	NOUN
cblr-2965	846	24	will	will	AUX
cblr-2965	846	25	more	more	ADV
cblr-2965	846	26	than	than	ADP
cblr-2965	846	27	compensate	compensate	VERB
cblr-2965	846	28	for	for	ADP
cblr-2965	846	29	the	the	DET
cblr-2965	846	30	higher	high	ADJ
cblr-2965	846	31	expenses	expense	NOUN
cblr-2965	846	32	,	,	PUNCT
cblr-2965	846	33	buying	buy	VERB
cblr-2965	846	34	a	a	DET
cblr-2965	846	35	high	high	ADJ
cblr-2965	846	36	-	-	PUNCT
cblr-2965	846	37	cost	cost	NOUN
cblr-2965	846	38	index	index	NOUN
cblr-2965	846	39	fund	fund	NOUN
cblr-2965	846	40	makes	make	VERB
cblr-2965	846	41	little	little	ADJ
cblr-2965	846	42	sense	sense	NOUN
cblr-2965	846	43	.	.	PUNCT
cblr-2965	847	1	index	index	NOUN
cblr-2965	847	2	funds	fund	NOUN
cblr-2965	847	3	do	do	AUX
cblr-2965	847	4	not	not	PART
cblr-2965	847	5	attempt	attempt	VERB
cblr-2965	847	6	to	to	PART
cblr-2965	847	7	pick	pick	VERB
cblr-2965	847	8	high	high	ADV
cblr-2965	847	9	-	-	PUNCT
cblr-2965	847	10	performing	perform	VERB
cblr-2965	847	11	securities	security	NOUN
cblr-2965	847	12	but	but	CCONJ
cblr-2965	847	13	rather	rather	ADV
cblr-2965	847	14	just	just	ADV
cblr-2965	847	15	track	track	VERB
cblr-2965	847	16	the	the	DET
cblr-2965	847	17	performance	performance	NOUN
cblr-2965	847	18	of	of	ADP
cblr-2965	847	19	a	a	DET
cblr-2965	847	20	specific	specific	ADJ
cblr-2965	847	21	market	market	NOUN
cblr-2965	847	22	index	index	NOUN
cblr-2965	847	23	.	.	PUNCT
cblr-2965	848	1	thus	thus	ADV
cblr-2965	848	2	,	,	PUNCT
cblr-2965	848	3	by	by	ADP
cblr-2965	848	4	definition	definition	NOUN
cblr-2965	848	5	,	,	PUNCT
cblr-2965	848	6	an	an	DET
cblr-2965	848	7	index	index	NOUN
cblr-2965	848	8	fund	fund	NOUN
cblr-2965	848	9	manager	manager	NOUN
cblr-2965	848	10	's	's	PART
cblr-2965	848	11	stock	stock	NOUN
cblr-2965	848	12	-	-	PUNCT
cblr-2965	848	13	picking	pick	VERB
cblr-2965	848	14	skill	skill	NOUN
cblr-2965	848	15	is	be	AUX
cblr-2965	848	16	irrelevant	irrelevant	ADJ
cblr-2965	848	17	.	.	PUNCT
cblr-2965	849	1	a	a	DET
cblr-2965	849	2	rational	rational	ADJ
cblr-2965	849	3	index	index	NOUN
cblr-2965	849	4	fund	fund	NOUN
cblr-2965	849	5	investor	investor	NOUN
cblr-2965	849	6	should	should	AUX
cblr-2965	849	7	buy	buy	VERB
cblr-2965	849	8	the	the	DET
cblr-2965	849	9	index	index	NOUN
cblr-2965	849	10	fund	fund	NOUN
cblr-2965	849	11	that	that	PRON
cblr-2965	849	12	has	have	VERB
cblr-2965	849	13	the	the	DET
cblr-2965	849	14	lowest	low	ADJ
cblr-2965	849	15	expense	expense	NOUN
cblr-2965	849	16	ratio	ratio	NOUN
cblr-2965	849	17	because	because	SCONJ
cblr-2965	849	18	all	all	DET
cblr-2965	849	19	index	index	NOUN
cblr-2965	849	20	funds	fund	NOUN
cblr-2965	849	21	hold	hold	VERB
cblr-2965	849	22	essentially	essentially	ADV
cblr-2965	849	23	the	the	DET
cblr-2965	849	24	same	same	ADJ
cblr-2965	849	25	securities	security	NOUN
cblr-2965	849	26	.	.	PUNCT
cblr-2965	850	1	strangely	strangely	ADV
cblr-2965	850	2	,	,	PUNCT
cblr-2965	850	3	however	however	ADV
cblr-2965	850	4	,	,	PUNCT
cblr-2965	850	5	this	this	PRON
cblr-2965	850	6	is	be	AUX
cblr-2965	850	7	not	not	PART
cblr-2965	850	8	how	how	SCONJ
cblr-2965	850	9	many	many	ADJ
cblr-2965	850	10	investors	investor	NOUN
cblr-2965	850	11	choose	choose	VERB
cblr-2965	850	12	among	among	ADP
cblr-2965	850	13	index	index	NOUN
cblr-2965	850	14	mutual	mutual	ADJ
cblr-2965	850	15	funds	fund	NOUN
cblr-2965	850	16	.	.	PUNCT
cblr-2965	851	1	a	a	DET
cblr-2965	851	2	study	study	NOUN
cblr-2965	851	3	by	by	ADP
cblr-2965	851	4	elton	elton	PROPN
cblr-2965	851	5	,	,	PUNCT
cblr-2965	851	6	gruber	gruber	PROPN
cblr-2965	851	7	and	and	CCONJ
cblr-2965	851	8	busse	busse	PROPN
cblr-2965	851	9	of	of	ADP
cblr-2965	851	10	flows	flow	NOUN
cblr-2965	851	11	into	into	ADP
cblr-2965	851	12	different	different	ADJ
cblr-2965	851	13	s&p	s&p	PROPN
cblr-2965	851	14	500	500	NUM
cblr-2965	851	15	index	index	NOUN
cblr-2965	851	16	funds	fund	NOUN
cblr-2965	851	17	from	from	ADP
cblr-2965	851	18	1996	1996	NUM
cblr-2965	851	19	to	to	ADP
cblr-2965	851	20	2001	2001	NUM
cblr-2965	851	21	found	find	VERB
cblr-2965	851	22	that	that	SCONJ
cblr-2965	851	23	investors	investor	NOUN
cblr-2965	851	24	were	be	AUX
cblr-2965	851	25	not	not	PART
cblr-2965	851	26	moving	move	VERB
cblr-2965	851	27	away	away	ADV
cblr-2965	851	28	from	from	ADP
cblr-2965	851	29	high	high	ADJ
cblr-2965	851	30	-	-	PUNCT
cblr-2965	851	31	expense	expense	NOUN
cblr-2965	851	32	index	index	NOUN
cblr-2965	851	33	funds	fund	NOUN
cblr-2965	851	34	.	.	PUNCT
cblr-2965	852	1	instead	instead	ADV
cblr-2965	852	2	,	,	PUNCT
cblr-2965	852	3	it	it	PRON
cblr-2965	852	4	found	find	VERB
cblr-2965	852	5	that	that	SCONJ
cblr-2965	852	6	"	"	PUNCT
cblr-2965	852	7	a	a	DET
cblr-2965	852	8	large	large	ADJ
cblr-2965	852	9	amount	amount	NOUN
cblr-2965	852	10	of	of	ADP
cblr-2965	852	11	new	new	ADJ
cblr-2965	852	12	cash	cash	NOUN
cblr-2965	852	13	flow	flow	NOUN
cblr-2965	852	14	goes	go	VERB
cblr-2965	852	15	to	to	ADP
cblr-2965	852	16	the	the	DET
cblr-2965	852	17	poorest	poorest	ADV
cblr-2965	852	18	-	-	PUNCT
cblr-2965	852	19	performing	perform	VERB
cblr-2965	852	20	194	194	NUM
cblr-2965	852	21	see	see	NOUN
cblr-2965	852	22	,	,	PUNCT
cblr-2965	852	23	e.g.	e.g.	ADV
cblr-2965	852	24	,	,	PUNCT
cblr-2965	852	25	penelope	penelope	PROPN
cblr-2965	852	26	wang	wang	PROPN
cblr-2965	852	27	&	&	CCONJ
cblr-2965	852	28	walter	walter	PROPN
cblr-2965	852	29	updegrave	updegrave	PROPN
cblr-2965	852	30	,	,	PUNCT
cblr-2965	852	31	funds	fund	NOUN
cblr-2965	852	32	for	for	ADP
cblr-2965	852	33	the	the	DET
cblr-2965	852	34	long	long	ADJ
cblr-2965	852	35	run	run	NOUN
cblr-2965	852	36	,	,	PUNCT
cblr-2965	852	37	money	money	NOUN
cblr-2965	852	38	,	,	PUNCT
cblr-2965	852	39	feb	feb	PROPN
cblr-2965	852	40	.	.	PROPN
cblr-2965	852	41	1	1	NUM
cblr-2965	852	42	,	,	PUNCT
cblr-2965	852	43	2008	2008	NUM
cblr-2965	852	44	,	,	PUNCT
cblr-2965	852	45	at	at	ADP
cblr-2965	852	46	69	69	NUM
cblr-2965	852	47	(	(	PUNCT
cblr-2965	852	48	recommending	recommend	VERB
cblr-2965	852	49	that	that	SCONJ
cblr-2965	852	50	"	"	PUNCT
cblr-2965	852	51	index	index	NOUN
cblr-2965	852	52	funds	fund	NOUN
cblr-2965	852	53	are	be	AUX
cblr-2965	852	54	the	the	DET
cblr-2965	852	55	ideal	ideal	ADJ
cblr-2965	852	56	foundation	foundation	NOUN
cblr-2965	852	57	for	for	ADP
cblr-2965	852	58	your	your	PRON
cblr-2965	852	59	core	core	NOUN
cblr-2965	852	60	portfolio	portfolio	NOUN
cblr-2965	852	61	"	"	PUNCT
cblr-2965	852	62	)	)	PUNCT
cblr-2965	852	63	;	;	PUNCT
cblr-2965	852	64	jonathan	jonathan	PROPN
cblr-2965	852	65	clements	clements	PROPN
cblr-2965	852	66	,	,	PUNCT
cblr-2965	852	67	getting	getting	AUX
cblr-2965	852	68	going	go	VERB
cblr-2965	852	69	,	,	PUNCT
cblr-2965	852	70	wall	wall	PROPN
cblr-2965	852	71	st	st	PROPN
cblr-2965	852	72	.	.	PROPN
cblr-2965	852	73	j.	j.	PROPN
cblr-2965	852	74	,	,	PUNCT
cblr-2965	852	75	feb	feb	PROPN
cblr-2965	852	76	.	.	PROPN
cblr-2965	852	77	16	16	NUM
cblr-2965	852	78	,	,	PUNCT
cblr-2965	852	79	2005	2005	NUM
cblr-2965	852	80	,	,	PUNCT
cblr-2965	852	81	at	at	ADP
cblr-2965	852	82	d1	d1	PROPN
cblr-2965	852	83	(	(	PUNCT
cblr-2965	852	84	noting	note	VERB
cblr-2965	852	85	that	that	SCONJ
cblr-2965	852	86	index	index	NOUN
cblr-2965	852	87	funds	fund	NOUN
cblr-2965	852	88	regularly	regularly	ADV
cblr-2965	852	89	outperform	outperform	VERB
cblr-2965	852	90	most	most	ADV
cblr-2965	852	91	actively	actively	ADV
cblr-2965	852	92	managed	manage	VERB
cblr-2965	852	93	funds	fund	NOUN
cblr-2965	852	94	)	)	PUNCT
cblr-2965	852	95	.	.	PUNCT
cblr-2965	853	1	"	"	PUNCT
cblr-2965	853	2	'	'	PUNCT
cblr-2965	853	3	john	john	PROPN
cblr-2965	853	4	c.	c.	PROPN
cblr-2965	853	5	bogle	bogle	PROPN
cblr-2965	853	6	,	,	PUNCT
cblr-2965	853	7	reflections	reflection	NOUN
cblr-2965	853	8	on	on	ADP
cblr-2965	853	9	"	"	PUNCT
cblr-2965	853	10	toward	toward	ADP
cblr-2965	853	11	common	common	ADJ
cblr-2965	853	12	sense	sense	NOUN
cblr-2965	853	13	and	and	CCONJ
cblr-2965	853	14	common	common	ADJ
cblr-2965	853	15	ground	ground	NOUN
cblr-2965	853	16	?	?	PUNCT
cblr-2965	853	17	,	,	PUNCT
cblr-2965	853	18	"	"	PUNCT
cblr-2965	853	19	33	33	NUM
cblr-2965	853	20	j.	j.	PROPN
cblr-2965	853	21	corp	corp	PROPN
cblr-2965	853	22	.	.	PROPN
cblr-2965	853	23	l.	l.	PROPN
cblr-2965	853	24	31	31	NUM
cblr-2965	853	25	,	,	PUNCT
cblr-2965	853	26	34	34	NUM
cblr-2965	853	27	(	(	PUNCT
cblr-2965	853	28	2007	2007	NUM
cblr-2965	853	29	)	)	PUNCT
cblr-2965	853	30	.	.	PUNCT
cblr-2965	854	1	196	196	NUM
cblr-2965	855	1	i	i	PRON
cblr-2965	855	2	d.	d.	PROPN
cblr-2965	856	1	[	[	X
cblr-2965	856	2	vol	vol	NOUN
cblr-2965	856	3	.	.	PUNCT
cblr-2965	857	1	2008col	2008col	NUM
cblr-2965	857	2	umia	umia	NOUN
cblr-2965	857	3	b	b	PROPN
cblr-2965	857	4	usiness	usiness	NOUN
cblr-2965	857	5	la	la	PROPN
cblr-2965	857	6	w	w	PROPN
cblr-2965	857	7	re	re	PROPN
cblr-2965	857	8	vie	vie	PROPN
cblr-2965	857	9	w	w	PROPN
cblr-2965	858	1	[	[	X
cblr-2965	858	2	high	high	ADJ
cblr-2965	858	3	-	-	PUNCT
cblr-2965	858	4	cost	cost	NOUN
cblr-2965	858	5	index	index	NOUN
cblr-2965	858	6	]	]	PUNCT
cblr-2965	858	7	funds	fund	NOUN
cblr-2965	858	8	.	.	PUNCT
cblr-2965	859	1	"197	"197	PROPN
cblr-2965	859	2	also	also	ADV
cblr-2965	859	3	,	,	PUNCT
cblr-2965	859	4	new	new	ADJ
cblr-2965	859	5	index	index	NOUN
cblr-2965	859	6	funds	fund	NOUN
cblr-2965	859	7	that	that	PRON
cblr-2965	859	8	entered	enter	VERB
cblr-2965	859	9	the	the	DET
cblr-2965	859	10	market	market	NOUN
cblr-2965	859	11	during	during	ADP
cblr-2965	859	12	the	the	DET
cblr-2965	859	13	period	period	NOUN
cblr-2965	859	14	covered	cover	VERB
cblr-2965	859	15	by	by	ADP
cblr-2965	859	16	their	their	PRON
cblr-2965	859	17	study	study	NOUN
cblr-2965	859	18	had	have	VERB
cblr-2965	859	19	higher	high	ADJ
cblr-2965	859	20	expenses	expense	NOUN
cblr-2965	859	21	(	(	PUNCT
cblr-2965	859	22	0.77	0.77	NUM
cblr-2965	859	23	%	%	NOUN
cblr-2965	859	24	average	average	NOUN
cblr-2965	859	25	,	,	PUNCT
cblr-2965	859	26	with	with	ADP
cblr-2965	859	27	a	a	DET
cblr-2965	859	28	maximum	maximum	NOUN
cblr-2965	859	29	of	of	ADP
cblr-2965	859	30	2.00	2.00	NUM
cblr-2965	859	31	%	%	NOUN
cblr-2965	859	32	)	)	PUNCT
cblr-2965	859	33	than	than	SCONJ
cblr-2965	859	34	did	do	AUX
cblr-2965	859	35	the	the	DET
cblr-2965	859	36	average	average	ADJ
cblr-2965	859	37	index	index	NOUN
cblr-2965	859	38	fund	fund	NOUN
cblr-2965	859	39	(	(	PUNCT
cblr-2965	859	40	0.44%).19	0.44%).19	NUM
cblr-2965	859	41	in	in	ADP
cblr-2965	859	42	addition	addition	NOUN
cblr-2965	859	43	,	,	PUNCT
cblr-2965	859	44	during	during	ADP
cblr-2965	859	45	the	the	DET
cblr-2965	859	46	same	same	ADJ
cblr-2965	859	47	period	period	NOUN
cblr-2965	859	48	,	,	PUNCT
cblr-2965	859	49	the	the	DET
cblr-2965	859	50	decile	decile	NOUN
cblr-2965	859	51	of	of	ADP
cblr-2965	859	52	index	index	NOUN
cblr-2965	859	53	funds	fund	NOUN
cblr-2965	859	54	with	with	ADP
cblr-2965	859	55	the	the	DET
cblr-2965	859	56	highest	high	ADJ
cblr-2965	859	57	expense	expense	NOUN
cblr-2965	859	58	ratios	ratio	NOUN
cblr-2965	859	59	grew	grow	VERB
cblr-2965	859	60	almost	almost	ADV
cblr-2965	859	61	twice	twice	ADV
cblr-2965	859	62	as	as	ADV
cblr-2965	859	63	quickly	quickly	ADV
cblr-2965	859	64	as	as	ADP
cblr-2965	859	65	the	the	DET
cblr-2965	859	66	low	low	ADJ
cblr-2965	859	67	-	-	PUNCT
cblr-2965	859	68	expense	expense	NOUN
cblr-2965	859	69	index	index	NOUN
cblr-2965	859	70	funds	fund	NOUN
cblr-2965	859	71	.	.	PUNCT
cblr-2965	859	72	'99	'99	NUM
cblr-2965	859	73	in	in	ADP
cblr-2965	859	74	response	response	NOUN
cblr-2965	859	75	to	to	ADP
cblr-2965	859	76	such	such	ADJ
cblr-2965	859	77	studies	study	NOUN
cblr-2965	859	78	,	,	PUNCT
cblr-2965	859	79	the	the	DET
cblr-2965	859	80	fund	fund	NOUN
cblr-2965	859	81	industry	industry	NOUN
cblr-2965	859	82	has	have	AUX
cblr-2965	859	83	attempted	attempt	VERB
cblr-2965	859	84	to	to	PART
cblr-2965	859	85	explain	explain	VERB
cblr-2965	859	86	the	the	DET
cblr-2965	859	87	success	success	NOUN
cblr-2965	859	88	of	of	ADP
cblr-2965	859	89	high	high	ADJ
cblr-2965	859	90	-	-	PUNCT
cblr-2965	859	91	cost	cost	NOUN
cblr-2965	859	92	index	index	NOUN
cblr-2965	859	93	funds	fund	NOUN
cblr-2965	859	94	.	.	PUNCT
cblr-2965	860	1	a	a	DET
cblr-2965	860	2	recent	recent	ADJ
cblr-2965	860	3	ici	ici	NOUN
cblr-2965	860	4	publication	publication	NOUN
cblr-2965	860	5	argues	argue	VERB
cblr-2965	860	6	that	that	SCONJ
cblr-2965	860	7	differences	difference	NOUN
cblr-2965	860	8	across	across	ADP
cblr-2965	860	9	index	index	NOUN
cblr-2965	860	10	funds	fund	NOUN
cblr-2965	860	11	,	,	PUNCT
cblr-2965	860	12	such	such	ADJ
cblr-2965	860	13	as	as	ADP
cblr-2965	860	14	the	the	DET
cblr-2965	860	15	size	size	NOUN
cblr-2965	860	16	of	of	ADP
cblr-2965	860	17	fund	fund	NOUN
cblr-2965	860	18	assets	asset	NOUN
cblr-2965	860	19	and	and	CCONJ
cblr-2965	860	20	average	average	ADJ
cblr-2965	860	21	account	account	NOUN
cblr-2965	860	22	balances	balance	NOUN
cblr-2965	860	23	,	,	PUNCT
cblr-2965	860	24	may	may	AUX
cblr-2965	860	25	explain	explain	VERB
cblr-2965	860	26	much	much	ADJ
cblr-2965	860	27	of	of	ADP
cblr-2965	860	28	the	the	DET
cblr-2965	860	29	variance	variance	NOUN
cblr-2965	860	30	in	in	ADP
cblr-2965	860	31	their	their	PRON
cblr-2965	860	32	expense	expense	NOUN
cblr-2965	860	33	ratios	ratio	NOUN
cblr-2965	860	34	.	.	PUNCT
cblr-2965	861	1	0	0	NUM
cblr-2965	861	2	1	1	NUM
cblr-2965	861	3	because	because	SCONJ
cblr-2965	861	4	many	many	ADJ
cblr-2965	861	5	of	of	ADP
cblr-2965	861	6	the	the	DET
cblr-2965	861	7	funds	fund	NOUN
cblr-2965	861	8	'	'	PART
cblr-2965	861	9	costs	cost	NOUN
cblr-2965	861	10	are	be	AUX
cblr-2965	861	11	relatively	relatively	ADV
cblr-2965	861	12	fixed	fix	VERB
cblr-2965	861	13	,	,	PUNCT
cblr-2965	861	14	index	index	NOUN
cblr-2965	861	15	funds	fund	NOUN
cblr-2965	861	16	with	with	ADP
cblr-2965	861	17	more	more	ADJ
cblr-2965	861	18	assets	asset	NOUN
cblr-2965	861	19	enjoy	enjoy	VERB
cblr-2965	861	20	greater	great	ADJ
cblr-2965	861	21	economies	economy	NOUN
cblr-2965	861	22	of	of	ADP
cblr-2965	861	23	scale.20	scale.20	NOUN
cblr-2965	861	24	'	'	PUNCT
cblr-2965	861	25	in	in	ADP
cblr-2965	861	26	addition	addition	NOUN
cblr-2965	861	27	,	,	PUNCT
cblr-2965	861	28	the	the	DET
cblr-2965	861	29	cost	cost	NOUN
cblr-2965	861	30	of	of	ADP
cblr-2965	861	31	maintaining	maintain	VERB
cblr-2965	861	32	an	an	DET
cblr-2965	861	33	individual	individual	ADJ
cblr-2965	861	34	investor	investor	NOUN
cblr-2965	861	35	's	's	PART
cblr-2965	861	36	account	account	NOUN
cblr-2965	861	37	is	be	AUX
cblr-2965	861	38	largely	largely	ADV
cblr-2965	861	39	unrelated	unrelated	ADJ
cblr-2965	861	40	to	to	ADP
cblr-2965	861	41	the	the	DET
cblr-2965	861	42	size	size	NOUN
cblr-2965	861	43	of	of	ADP
cblr-2965	861	44	the	the	DET
cblr-2965	861	45	account	account	NOUN
cblr-2965	861	46	,	,	PUNCT
cblr-2965	861	47	so	so	SCONJ
cblr-2965	861	48	a	a	DET
cblr-2965	861	49	fund	fund	NOUN
cblr-2965	861	50	with	with	ADP
cblr-2965	861	51	many	many	ADJ
cblr-2965	861	52	small	small	ADJ
cblr-2965	861	53	accounts	account	NOUN
cblr-2965	861	54	is	be	AUX
cblr-2965	861	55	more	more	ADV
cblr-2965	861	56	costly	costly	ADJ
cblr-2965	861	57	to	to	PART
cblr-2965	861	58	operate	operate	VERB
cblr-2965	861	59	than	than	ADP
cblr-2965	861	60	a	a	DET
cblr-2965	861	61	similarly	similarly	ADV
cblr-2965	861	62	sized	sized	ADJ
cblr-2965	861	63	fund	fund	NOUN
cblr-2965	861	64	with	with	ADP
cblr-2965	861	65	fewer	few	ADJ
cblr-2965	861	66	,	,	PUNCT
cblr-2965	861	67	yet	yet	CCONJ
cblr-2965	861	68	larger	large	ADJ
cblr-2965	861	69	,	,	PUNCT
cblr-2965	861	70	accounts	account	NOUN
cblr-2965	861	71	.	.	PUNCT
cblr-2965	862	1	20	20	NUM
cblr-2965	862	2	2	2	NUM
cblr-2965	862	3	however	however	ADV
cblr-2965	862	4	,	,	PUNCT
cblr-2965	862	5	although	although	SCONJ
cblr-2965	862	6	this	this	PRON
cblr-2965	862	7	may	may	AUX
cblr-2965	862	8	help	help	VERB
cblr-2965	862	9	explain	explain	VERB
cblr-2965	862	10	why	why	SCONJ
cblr-2965	862	11	a	a	DET
cblr-2965	862	12	small	small	ADJ
cblr-2965	862	13	index	index	NOUN
cblr-2965	862	14	fund	fund	NOUN
cblr-2965	862	15	with	with	ADP
cblr-2965	862	16	low	low	ADJ
cblr-2965	862	17	average	average	ADJ
cblr-2965	862	18	account	account	NOUN
cblr-2965	862	19	balances	balance	NOUN
cblr-2965	862	20	is	be	AUX
cblr-2965	862	21	forced	force	VERB
cblr-2965	862	22	to	to	PART
cblr-2965	862	23	charge	charge	VERB
cblr-2965	862	24	a	a	DET
cblr-2965	862	25	relatively	relatively	ADV
cblr-2965	862	26	high	high	ADJ
cblr-2965	862	27	expense	expense	NOUN
cblr-2965	862	28	ratio	ratio	NOUN
cblr-2965	862	29	,	,	PUNCT
cblr-2965	862	30	it	it	PRON
cblr-2965	862	31	does	do	AUX
cblr-2965	862	32	not	not	PART
cblr-2965	862	33	explain	explain	VERB
cblr-2965	862	34	why	why	SCONJ
cblr-2965	862	35	so	so	ADV
cblr-2965	862	36	many	many	ADJ
cblr-2965	862	37	investors	investor	NOUN
cblr-2965	862	38	would	would	AUX
cblr-2965	862	39	choose	choose	VERB
cblr-2965	862	40	such	such	DET
cblr-2965	862	41	a	a	DET
cblr-2965	862	42	fund	fund	NOUN
cblr-2965	862	43	when	when	SCONJ
cblr-2965	862	44	identical	identical	ADJ
cblr-2965	862	45	,	,	PUNCT
cblr-2965	862	46	lower	low	ADJ
cblr-2965	862	47	-	-	PUNCT
cblr-2965	862	48	cost	cost	NOUN
cblr-2965	862	49	alternatives	alternative	NOUN
cblr-2965	862	50	exist	exist	VERB
cblr-2965	862	51	.	.	PUNCT
cblr-2965	863	1	in	in	ADP
cblr-2965	863	2	the	the	DET
cblr-2965	863	3	same	same	ADJ
cblr-2965	863	4	publication	publication	NOUN
cblr-2965	863	5	,	,	PUNCT
cblr-2965	863	6	the	the	DET
cblr-2965	863	7	ici	ici	NOUN
cblr-2965	863	8	also	also	ADV
cblr-2965	863	9	argues	argue	VERB
cblr-2965	863	10	that	that	SCONJ
cblr-2965	863	11	fund	fund	NOUN
cblr-2965	863	12	investors	investor	NOUN
cblr-2965	863	13	may	may	AUX
cblr-2965	863	14	choose	choose	VERB
cblr-2965	863	15	high	high	ADJ
cblr-2965	863	16	-	-	PUNCT
cblr-2965	863	17	cost	cost	NOUN
cblr-2965	863	18	index	index	NOUN
cblr-2965	863	19	funds	fund	NOUN
cblr-2965	863	20	because	because	SCONJ
cblr-2965	863	21	such	such	ADJ
cblr-2965	863	22	funds	fund	NOUN
cblr-2965	863	23	offer	offer	VERB
cblr-2965	863	24	better	well	ADV
cblr-2965	863	25	services.2	services.2	VERB
cblr-2965	863	26	3	3	NUM
cblr-2965	863	27	mutual	mutual	ADJ
cblr-2965	863	28	funds	fund	NOUN
cblr-2965	863	29	can	can	AUX
cblr-2965	863	30	offer	offer	VERB
cblr-2965	863	31	services	service	NOUN
cblr-2965	863	32	197	197	NUM
cblr-2965	863	33	edwin	edwin	PROPN
cblr-2965	863	34	j.	j.	PROPN
cblr-2965	863	35	elton	elton	PROPN
cblr-2965	863	36	,	,	PUNCT
cblr-2965	863	37	martin	martin	PROPN
cblr-2965	863	38	j.	j.	PROPN
cblr-2965	863	39	gruber	gruber	PROPN
cblr-2965	863	40	,	,	PUNCT
cblr-2965	863	41	and	and	CCONJ
cblr-2965	863	42	jeffrey	jeffrey	PROPN
cblr-2965	863	43	a.	a.	PROPN
cblr-2965	863	44	busse	busse	PROPN
cblr-2965	863	45	,	,	PUNCT
cblr-2965	863	46	are	be	AUX
cblr-2965	863	47	investors	investor	NOUN
cblr-2965	863	48	rational	rational	ADJ
cblr-2965	863	49	?	?	PUNCT
cblr-2965	864	1	choices	choice	NOUN
cblr-2965	864	2	among	among	ADP
cblr-2965	864	3	index	index	NOUN
cblr-2965	864	4	funds	fund	NOUN
cblr-2965	864	5	,	,	PUNCT
cblr-2965	864	6	59	59	NUM
cblr-2965	864	7	j.	j.	PROPN
cblr-2965	864	8	fin	fin	PROPN
cblr-2965	864	9	.	.	PROPN
cblr-2965	865	1	261	261	NUM
cblr-2965	865	2	,	,	PUNCT
cblr-2965	865	3	286	286	NUM
cblr-2965	865	4	(	(	PUNCT
cblr-2965	865	5	2004	2004	NUM
cblr-2965	865	6	)	)	PUNCT
cblr-2965	865	7	.	.	PUNCT
cblr-2965	866	1	198	198	NUM
cblr-2965	867	1	i	i	PRON
cblr-2965	867	2	d.	d.	PROPN
cblr-2965	867	3	199	199	NUM
cblr-2965	868	1	i	i	PRON
cblr-2965	868	2	d.	d.	PROPN
cblr-2965	868	3	see	see	VERB
cblr-2965	868	4	also	also	ADV
cblr-2965	868	5	hortaqsu	hortaqsu	NOUN
cblr-2965	868	6	&	&	CCONJ
cblr-2965	868	7	syverson	syverson	PROPN
cblr-2965	868	8	,	,	PUNCT
cblr-2965	868	9	supra	supra	PROPN
cblr-2965	868	10	note	note	NOUN
cblr-2965	868	11	188	188	NUM
cblr-2965	868	12	,	,	PUNCT
cblr-2965	868	13	at	at	ADP
cblr-2965	868	14	409	409	NUM
cblr-2965	868	15	tbl.ii	tbl.ii	NOUN
cblr-2965	868	16	(	(	PUNCT
cblr-2965	868	17	finding	find	VERB
cblr-2965	868	18	that	that	SCONJ
cblr-2965	868	19	the	the	DET
cblr-2965	868	20	quintile	quintile	NOUN
cblr-2965	868	21	of	of	ADP
cblr-2965	868	22	index	index	NOUN
cblr-2965	868	23	funds	fund	NOUN
cblr-2965	868	24	with	with	ADP
cblr-2965	868	25	the	the	DET
cblr-2965	868	26	highest	high	ADJ
cblr-2965	868	27	expenses	expense	NOUN
cblr-2965	868	28	almost	almost	ADV
cblr-2965	868	29	tripled	triple	VERB
cblr-2965	868	30	their	their	PRON
cblr-2965	868	31	share	share	NOUN
cblr-2965	868	32	of	of	ADP
cblr-2965	868	33	the	the	DET
cblr-2965	868	34	s&p	s&p	PROPN
cblr-2965	868	35	500	500	NUM
cblr-2965	868	36	index	index	NOUN
cblr-2965	868	37	fund	fund	NOUN
cblr-2965	868	38	sector	sector	NOUN
cblr-2965	868	39	from	from	ADP
cblr-2965	868	40	1995	1995	NUM
cblr-2965	868	41	to	to	ADP
cblr-2965	868	42	2000	2000	NUM
cblr-2965	868	43	)	)	PUNCT
cblr-2965	868	44	.	.	PUNCT
cblr-2965	869	1	200	200	NUM
cblr-2965	869	2	sean	sean	PROPN
cblr-2965	869	3	collins	collin	NOUN
cblr-2965	869	4	,	,	PUNCT
cblr-2965	869	5	are	be	AUX
cblr-2965	869	6	s&p	s&p	PROPN
cblr-2965	869	7	500	500	NUM
cblr-2965	869	8	index	index	NOUN
cblr-2965	869	9	mutual	mutual	ADJ
cblr-2965	869	10	funds	fund	NOUN
cblr-2965	869	11	commodities	commodity	NOUN
cblr-2965	869	12	?	?	PUNCT
cblr-2965	869	13	,	,	PUNCT
cblr-2965	869	14	11	11	NUM
cblr-2965	869	15	investment	investment	NOUN
cblr-2965	869	16	company	company	NOUN
cblr-2965	869	17	inst	inst	NOUN
cblr-2965	869	18	.	.	PUNCT
cblr-2965	870	1	persp	persp	PROPN
cblr-2965	870	2	.	.	PUNCT
cblr-2965	871	1	5	5	NUM
cblr-2965	871	2	(	(	PUNCT
cblr-2965	871	3	aug	aug	PROPN
cblr-2965	871	4	.	.	PROPN
cblr-2965	871	5	2005	2005	NUM
cblr-2965	871	6	)	)	PUNCT
cblr-2965	871	7	,	,	PUNCT
cblr-2965	871	8	available	available	ADJ
cblr-2965	871	9	at	at	ADP
cblr-2965	871	10	http:/	http:/	PROPN
cblr-2965	871	11	www.ici.org/pdf/per11-03.pdf	www.ici.org/pdf/per11-03.pdf	PROPN
cblr-2965	871	12	.	.	PUNCT
cblr-2965	872	1	201	201	NUM
cblr-2965	873	1	i	i	PRON
cblr-2965	873	2	d.	d.	NOUN
cblr-2965	873	3	at	at	ADP
cblr-2965	873	4	6	6	NUM
cblr-2965	873	5	.	.	X
cblr-2965	874	1	202	202	NUM
cblr-2965	875	1	i	i	NOUN
cblr-2965	875	2	d.	d.	PROPN
cblr-2965	875	3	203	203	NUM
cblr-2965	875	4	i	i	PRON
cblr-2965	875	5	d.	d.	PROPN
cblr-2965	875	6	at	at	ADP
cblr-2965	875	7	5	5	NUM
cblr-2965	875	8	-	-	SYM
cblr-2965	875	9	10	10	NUM
cblr-2965	875	10	.	.	PUNCT
cblr-2965	876	1	no	no	INTJ
cblr-2965	876	2	.	.	PUNCT
cblr-2965	877	1	3:934	3:934	X
cblr-2965	877	2	]	]	X
cblr-2965	877	3	muttual	muttual	ADJ
cblr-2965	877	4	fund	fund	PROPN
cblr-2965	877	5	investors	investors	PROPN
cblr-2965	877	6	columbia	columbia	PROPN
cblr-2965	877	7	business	business	PROPN
cblr-2965	877	8	law	law	PROPN
cblr-2965	877	9	review	review	NOUN
cblr-2965	877	10	such	such	ADJ
cblr-2965	877	11	as	as	ADP
cblr-2965	877	12	financial	financial	ADJ
cblr-2965	877	13	advice	advice	NOUN
cblr-2965	877	14	,	,	PUNCT
cblr-2965	877	15	lower	low	ADJ
cblr-2965	877	16	minimum	minimum	NOUN
cblr-2965	877	17	account	account	NOUN
cblr-2965	877	18	balances	balance	NOUN
cblr-2965	877	19	,	,	PUNCT
cblr-2965	877	20	and	and	CCONJ
cblr-2965	877	21	lower	low	ADJ
cblr-2965	877	22	account	account	NOUN
cblr-2965	877	23	maintenance	maintenance	NOUN
cblr-2965	877	24	fees	fee	NOUN
cblr-2965	877	25	.	.	PUNCT
cblr-2965	878	1	°	°	ADP
cblr-2965	878	2	4	4	NUM
cblr-2965	878	3	but	but	CCONJ
cblr-2965	878	4	elton	elton	PROPN
cblr-2965	878	5	,	,	PUNCT
cblr-2965	878	6	gruber	gruber	PROPN
cblr-2965	878	7	and	and	CCONJ
cblr-2965	878	8	busse	busse	PROPN
cblr-2965	878	9	found	find	VERB
cblr-2965	878	10	no	no	DET
cblr-2965	878	11	relationship	relationship	NOUN
cblr-2965	878	12	between	between	ADP
cblr-2965	878	13	fund	fund	NOUN
cblr-2965	878	14	families	family	NOUN
cblr-2965	878	15	'	'	PART
cblr-2965	878	16	service	service	NOUN
cblr-2965	878	17	quality	quality	NOUN
cblr-2965	878	18	and	and	CCONJ
cblr-2965	878	19	investors	investor	NOUN
cblr-2965	878	20	'	'	PART
cblr-2965	878	21	choice	choice	NOUN
cblr-2965	878	22	of	of	ADP
cblr-2965	878	23	index	index	NOUN
cblr-2965	878	24	funds	fund	NOUN
cblr-2965	878	25	.	.	PUNCT
cblr-2965	879	1	"5	"5	X
cblr-2965	879	2	they	they	PRON
cblr-2965	879	3	also	also	ADV
cblr-2965	879	4	found	find	VERB
cblr-2965	879	5	no	no	DET
cblr-2965	879	6	evidence	evidence	NOUN
cblr-2965	879	7	that	that	SCONJ
cblr-2965	879	8	investors	investor	NOUN
cblr-2965	879	9	'	'	PART
cblr-2965	879	10	purchases	purchase	NOUN
cblr-2965	879	11	were	be	AUX
cblr-2965	879	12	concentrated	concentrate	VERB
cblr-2965	879	13	in	in	ADP
cblr-2965	879	14	the	the	DET
cblr-2965	879	15	largest	large	ADJ
cblr-2965	879	16	fund	fund	NOUN
cblr-2965	879	17	families	family	NOUN
cblr-2965	879	18	,	,	PUNCT
cblr-2965	879	19	which	which	PRON
cblr-2965	879	20	should	should	AUX
cblr-2965	879	21	be	be	AUX
cblr-2965	879	22	better	well	ADV
cblr-2965	879	23	able	able	ADJ
cblr-2965	879	24	to	to	PART
cblr-2965	879	25	provide	provide	VERB
cblr-2965	879	26	many	many	ADJ
cblr-2965	879	27	services	service	NOUN
cblr-2965	879	28	than	than	ADP
cblr-2965	879	29	can	can	AUX
cblr-2965	879	30	smaller	small	ADJ
cblr-2965	879	31	families.2	families.2	PROPN
cblr-2965	879	32	6	6	NUM
cblr-2965	879	33	in	in	ADP
cblr-2965	879	34	addition	addition	NOUN
cblr-2965	879	35	,	,	PUNCT
cblr-2965	879	36	other	other	ADJ
cblr-2965	879	37	studies	study	NOUN
cblr-2965	879	38	have	have	AUX
cblr-2965	879	39	found	find	VERB
cblr-2965	879	40	that	that	SCONJ
cblr-2965	879	41	more	more	ADV
cblr-2965	879	42	experienced	experienced	ADJ
cblr-2965	879	43	and	and	CCONJ
cblr-2965	879	44	financially	financially	ADV
cblr-2965	879	45	sophisticated	sophisticated	ADJ
cblr-2965	879	46	investors	investor	NOUN
cblr-2965	879	47	do	do	AUX
cblr-2965	879	48	not	not	PART
cblr-2965	879	49	buy	buy	VERB
cblr-2965	879	50	mutual	mutual	ADJ
cblr-2965	879	51	funds	fund	NOUN
cblr-2965	879	52	with	with	ADP
cblr-2965	879	53	lower	low	ADJ
cblr-2965	879	54	expenses	expense	NOUN
cblr-2965	879	55	than	than	SCONJ
cblr-2965	879	56	do	do	VERB
cblr-2965	879	57	other	other	ADJ
cblr-2965	879	58	investors	investor	NOUN
cblr-2965	879	59	.	.	PUNCT
cblr-2965	880	1	07	07	NUM
cblr-2965	880	2	because	because	SCONJ
cblr-2965	880	3	such	such	ADJ
cblr-2965	880	4	investors	investor	NOUN
cblr-2965	880	5	likely	likely	ADV
cblr-2965	880	6	have	have	VERB
cblr-2965	880	7	less	less	ADJ
cblr-2965	880	8	need	need	NOUN
cblr-2965	880	9	for	for	ADP
cblr-2965	880	10	some	some	DET
cblr-2965	880	11	services	service	NOUN
cblr-2965	880	12	(	(	PUNCT
cblr-2965	880	13	such	such	ADJ
cblr-2965	880	14	as	as	ADP
cblr-2965	880	15	financial	financial	ADJ
cblr-2965	880	16	advice	advice	NOUN
cblr-2965	880	17	and	and	CCONJ
cblr-2965	880	18	low	low	ADJ
cblr-2965	880	19	minimum	minimum	NOUN
cblr-2965	880	20	balance	balance	NOUN
cblr-2965	880	21	requirements	requirement	NOUN
cblr-2965	880	22	)	)	PUNCT
cblr-2965	880	23	than	than	SCONJ
cblr-2965	880	24	do	do	VERB
cblr-2965	880	25	other	other	ADJ
cblr-2965	880	26	investors	investor	NOUN
cblr-2965	880	27	,	,	PUNCT
cblr-2965	880	28	this	this	PRON
cblr-2965	880	29	is	be	AUX
cblr-2965	880	30	additional	additional	ADJ
cblr-2965	880	31	evidence	evidence	NOUN
cblr-2965	880	32	that	that	SCONJ
cblr-2965	880	33	investors	investor	NOUN
cblr-2965	880	34	generally	generally	ADV
cblr-2965	880	35	are	be	AUX
cblr-2965	880	36	not	not	PART
cblr-2965	880	37	buying	buy	VERB
cblr-2965	880	38	high	high	ADJ
cblr-2965	880	39	-	-	PUNCT
cblr-2965	880	40	cost	cost	NOUN
cblr-2965	880	41	funds	fund	NOUN
cblr-2965	880	42	to	to	PART
cblr-2965	880	43	obtain	obtain	VERB
cblr-2965	880	44	more	more	ADJ
cblr-2965	880	45	services	service	NOUN
cblr-2965	880	46	.	.	PUNCT
cblr-2965	881	1	a	a	DET
cblr-2965	881	2	recent	recent	ADJ
cblr-2965	881	3	experiment	experiment	NOUN
cblr-2965	881	4	by	by	ADP
cblr-2965	881	5	choi	choi	NOUN
cblr-2965	881	6	,	,	PUNCT
cblr-2965	881	7	laibson	laibson	NOUN
cblr-2965	881	8	and	and	CCONJ
cblr-2965	881	9	madrian	madrian	ADJ
cblr-2965	881	10	casts	cast	NOUN
cblr-2965	881	11	further	further	ADJ
cblr-2965	881	12	doubt	doubt	ADV
cblr-2965	881	13	on	on	ADP
cblr-2965	881	14	the	the	DET
cblr-2965	881	15	hypothesis	hypothesis	NOUN
cblr-2965	881	16	that	that	PRON
cblr-2965	881	17	service	service	NOUN
cblr-2965	881	18	differences	difference	NOUN
cblr-2965	881	19	explain	explain	VERB
cblr-2965	881	20	investor	investor	NOUN
cblr-2965	881	21	choices	choice	NOUN
cblr-2965	881	22	.	.	PUNCT
cblr-2965	882	1	their	their	PRON
cblr-2965	882	2	experiment	experiment	NOUN
cblr-2965	882	3	indicates	indicate	VERB
cblr-2965	882	4	that	that	SCONJ
cblr-2965	882	5	even	even	ADV
cblr-2965	882	6	many	many	ADJ
cblr-2965	882	7	intelligent	intelligent	ADJ
cblr-2965	882	8	and	and	CCONJ
cblr-2965	882	9	financially	financially	ADV
cblr-2965	882	10	sophisticated	sophisticated	ADJ
cblr-2965	882	11	investors	investor	NOUN
cblr-2965	882	12	would	would	AUX
cblr-2965	882	13	choose	choose	VERB
cblr-2965	882	14	high	high	ADJ
cblr-2965	882	15	-	-	PUNCT
cblr-2965	882	16	expense	expense	NOUN
cblr-2965	882	17	index	index	NOUN
cblr-2965	882	18	funds	fund	NOUN
cblr-2965	882	19	even	even	ADV
cblr-2965	882	20	if	if	SCONJ
cblr-2965	882	21	the	the	DET
cblr-2965	882	22	services	service	NOUN
cblr-2965	882	23	offered	offer	VERB
cblr-2965	882	24	by	by	ADP
cblr-2965	882	25	all	all	DET
cblr-2965	882	26	index	index	NOUN
cblr-2965	882	27	funds	fund	NOUN
cblr-2965	882	28	were	be	AUX
cblr-2965	882	29	identical	identical	ADJ
cblr-2965	882	30	.	.	PUNCT
cblr-2965	883	1	in	in	ADP
cblr-2965	883	2	the	the	DET
cblr-2965	883	3	experiment	experiment	NOUN
cblr-2965	883	4	,	,	PUNCT
cblr-2965	883	5	participants	participant	NOUN
cblr-2965	883	6	-	-	PUNCT
cblr-2965	883	7	including	include	VERB
cblr-2965	883	8	many	many	ADJ
cblr-2965	883	9	wharton	wharton	PROPN
cblr-2965	883	10	mba	mba	PROPN
cblr-2965	883	11	and	and	CCONJ
cblr-2965	883	12	harvard	harvard	PROPN
cblr-2965	883	13	college	college	PROPN
cblr-2965	883	14	students	student	NOUN
cblr-2965	883	15	-	-	PUNCT
cblr-2965	883	16	were	be	AUX
cblr-2965	883	17	presented	present	VERB
cblr-2965	883	18	with	with	ADP
cblr-2965	883	19	the	the	DET
cblr-2965	883	20	prospectuses	prospectus	NOUN
cblr-2965	883	21	of	of	ADP
cblr-2965	883	22	four	four	NUM
cblr-2965	883	23	s&p	s&p	PROPN
cblr-2965	883	24	500	500	NUM
cblr-2965	883	25	index	index	NOUN
cblr-2965	883	26	funds	fund	NOUN
cblr-2965	883	27	with	with	ADP
cblr-2965	883	28	different	different	ADJ
cblr-2965	883	29	expense	expense	NOUN
cblr-2965	883	30	ratios	ratio	NOUN
cblr-2965	883	31	and	and	CCONJ
cblr-2965	883	32	were	be	AUX
cblr-2965	883	33	asked	ask	VERB
cblr-2965	883	34	to	to	PART
cblr-2965	883	35	allocate	allocate	VERB
cblr-2965	883	36	an	an	DET
cblr-2965	883	37	investment	investment	NOUN
cblr-2965	883	38	among	among	ADP
cblr-2965	883	39	these	these	DET
cblr-2965	883	40	funds.2	funds.2	NOUN
cblr-2965	883	41	'	'	PUNCT
cblr-2965	883	42	participants	participant	NOUN
cblr-2965	883	43	would	would	AUX
cblr-2965	883	44	maximize	maximize	VERB
cblr-2965	883	45	their	their	PRON
cblr-2965	883	46	expected	expect	VERB
cblr-2965	883	47	compensation	compensation	NOUN
cblr-2965	883	48	204	204	NUM
cblr-2965	883	49	i	i	PRON
cblr-2965	883	50	d.	d.	PROPN
cblr-2965	883	51	at	at	ADP
cblr-2965	883	52	5	5	NUM
cblr-2965	883	53	.	.	SYM
cblr-2965	883	54	205	205	NUM
cblr-2965	883	55	elton	elton	PROPN
cblr-2965	883	56	et	et	PROPN
cblr-2965	883	57	al	al	PROPN
cblr-2965	883	58	.	.	PROPN
cblr-2965	883	59	,	,	PUNCT
cblr-2965	883	60	supra	supra	PROPN
cblr-2965	883	61	note	note	PROPN
cblr-2965	883	62	197	197	NUM
cblr-2965	883	63	,	,	PUNCT
cblr-2965	883	64	at	at	ADP
cblr-2965	883	65	281	281	NUM
cblr-2965	883	66	.	.	PUNCT
cblr-2965	884	1	service	service	NOUN
cblr-2965	884	2	quality	quality	NOUN
cblr-2965	884	3	was	be	AUX
cblr-2965	884	4	determined	determine	VERB
cblr-2965	884	5	from	from	ADP
cblr-2965	884	6	dalbar	dalbar	PROPN
cblr-2965	884	7	inc	inc	PROPN
cblr-2965	884	8	.	.	PROPN
cblr-2965	884	9	's	's	PART
cblr-2965	884	10	survey	survey	NOUN
cblr-2965	884	11	of	of	ADP
cblr-2965	884	12	over	over	ADP
cblr-2965	884	13	2600	2600	NUM
cblr-2965	884	14	investors	investor	NOUN
cblr-2965	884	15	'	'	PART
cblr-2965	884	16	and	and	CCONJ
cblr-2965	884	17	professionals	professional	NOUN
cblr-2965	884	18	'	'	PART
cblr-2965	884	19	impressions	impression	NOUN
cblr-2965	884	20	of	of	ADP
cblr-2965	884	21	particular	particular	ADJ
cblr-2965	884	22	fund	fund	NOUN
cblr-2965	884	23	families	family	NOUN
cblr-2965	884	24	'	'	PART
cblr-2965	884	25	service	service	NOUN
cblr-2965	884	26	.	.	PUNCT
cblr-2965	885	1	i	i	PRON
cblr-2965	885	2	d.	d.	PROPN
cblr-2965	885	3	at	at	ADP
cblr-2965	885	4	278	278	NUM
cblr-2965	885	5	.	.	PUNCT
cblr-2965	886	1	206	206	NUM
cblr-2965	887	1	i	i	PRON
cblr-2965	887	2	d.	d.	PROPN
cblr-2965	887	3	at	at	ADP
cblr-2965	887	4	283	283	NUM
cblr-2965	887	5	,	,	PUNCT
cblr-2965	887	6	285	285	NUM
cblr-2965	887	7	.	.	PUNCT
cblr-2965	888	1	207	207	NUM
cblr-2965	888	2	barber	barber	PROPN
cblr-2965	888	3	et	et	PROPN
cblr-2965	888	4	al	al	PROPN
cblr-2965	888	5	.	.	PROPN
cblr-2965	888	6	,	,	PUNCT
cblr-2965	888	7	supra	supra	PROPN
cblr-2965	888	8	note	note	VERB
cblr-2965	888	9	180	180	NUM
cblr-2965	888	10	,	,	PUNCT
cblr-2965	888	11	at	at	ADP
cblr-2965	888	12	2113	2113	NUM
cblr-2965	888	13	;	;	PUNCT
cblr-2965	888	14	see	see	VERB
cblr-2965	888	15	also	also	ADV
cblr-2965	888	16	muller	muller	PROPN
cblr-2965	888	17	&	&	CCONJ
cblr-2965	888	18	weber	weber	PROPN
cblr-2965	888	19	,	,	PUNCT
cblr-2965	888	20	supra	supra	PROPN
cblr-2965	888	21	note	note	PROPN
cblr-2965	888	22	175	175	NUM
cblr-2965	888	23	,	,	PUNCT
cblr-2965	888	24	at	at	ADP
cblr-2965	888	25	4	4	NUM
cblr-2965	888	26	(	(	PUNCT
cblr-2965	888	27	finding	find	VERB
cblr-2965	888	28	that	that	PRON
cblr-2965	888	29	financially	financially	ADV
cblr-2965	888	30	sophisticated	sophisticated	ADJ
cblr-2965	888	31	german	german	ADJ
cblr-2965	888	32	investors	investor	NOUN
cblr-2965	888	33	are	be	AUX
cblr-2965	888	34	not	not	PART
cblr-2965	888	35	more	more	ADV
cblr-2965	888	36	likely	likely	ADJ
cblr-2965	888	37	to	to	PART
cblr-2965	888	38	buy	buy	VERB
cblr-2965	888	39	funds	fund	NOUN
cblr-2965	888	40	with	with	ADP
cblr-2965	888	41	lower	low	ADJ
cblr-2965	888	42	management	management	NOUN
cblr-2965	888	43	fees	fee	NOUN
cblr-2965	888	44	than	than	SCONJ
cblr-2965	888	45	are	be	AUX
cblr-2965	888	46	less	less	ADV
cblr-2965	888	47	sophisticated	sophisticated	ADJ
cblr-2965	888	48	investors	investor	NOUN
cblr-2965	888	49	)	)	PUNCT
cblr-2965	888	50	.	.	PUNCT
cblr-2965	889	1	21	21	NUM
cblr-2965	889	2	james	james	PROPN
cblr-2965	889	3	j.	j.	PROPN
cblr-2965	889	4	choi	choi	PROPN
cblr-2965	889	5	,	,	PUNCT
cblr-2965	889	6	david	david	PROPN
cblr-2965	889	7	laibson	laibson	PROPN
cblr-2965	889	8	&	&	CCONJ
cblr-2965	889	9	brigitte	brigitte	PROPN
cblr-2965	889	10	c.	c.	PROPN
cblr-2965	889	11	madrian	madrian	PROPN
cblr-2965	889	12	,	,	PUNCT
cblr-2965	889	13	why	why	SCONJ
cblr-2965	889	14	does	do	AUX
cblr-2965	889	15	the	the	DET
cblr-2965	889	16	law	law	NOUN
cblr-2965	889	17	of	of	ADP
cblr-2965	889	18	one	one	NUM
cblr-2965	889	19	price	price	NOUN
cblr-2965	889	20	fail	fail	ADJ
cblr-2965	889	21	?	?	PUNCT
cblr-2965	890	1	an	an	DET
cblr-2965	890	2	experiment	experiment	NOUN
cblr-2965	890	3	on	on	ADP
cblr-2965	890	4	index	index	NOUN
cblr-2965	890	5	mutual	mutual	ADJ
cblr-2965	890	6	funds	fund	NOUN
cblr-2965	890	7	7	7	NUM
cblr-2965	890	8	-	-	SYM
cblr-2965	890	9	8	8	NUM
cblr-2965	890	10	(	(	PUNCT
cblr-2965	890	11	mar	mar	PROPN
cblr-2965	890	12	.	.	PROPN
cblr-2965	890	13	6	6	NUM
cblr-2965	890	14	,	,	PUNCT
cblr-2965	890	15	2008	2008	NUM
cblr-2965	890	16	)	)	PUNCT
cblr-2965	890	17	(	(	PUNCT
cblr-2965	890	18	unpublished	unpublished	ADJ
cblr-2965	890	19	manuscript	manuscript	NOUN
cblr-2965	890	20	,	,	PUNCT
cblr-2965	890	21	available	available	ADJ
cblr-2965	890	22	at	at	ADP
cblr-2965	890	23	http	http	ADJ
cblr-2965	890	24	:	:	PUNCT
cblr-2965	890	25	ll	ll	NOUN
cblr-2965	890	26	www.som.yale.edu/faculty/jjc83/fees.pdf	www.som.yale.edu/faculty/jjc83/fees.pdf	NOUN
cblr-2965	890	27	)	)	PUNCT
cblr-2965	890	28	.	.	PUNCT
cblr-2965	891	1	[	[	X
cblr-2965	891	2	vol	vol	NOUN
cblr-2965	891	3	.	.	NOUN
cblr-2965	891	4	2008	2008	NUM
cblr-2965	891	5	mutual	mutual	ADJ
cblr-2965	891	6	fund	fund	NOUN
cblr-2965	891	7	investors	investor	NOUN
cblr-2965	891	8	for	for	ADP
cblr-2965	891	9	participating	participate	VERB
cblr-2965	891	10	in	in	ADP
cblr-2965	891	11	the	the	DET
cblr-2965	891	12	experiment	experiment	NOUN
cblr-2965	891	13	by	by	ADP
cblr-2965	891	14	choosing	choose	VERB
cblr-2965	891	15	the	the	DET
cblr-2965	891	16	fund	fund	NOUN
cblr-2965	891	17	with	with	ADP
cblr-2965	891	18	the	the	DET
cblr-2965	891	19	highest	high	ADJ
cblr-2965	891	20	future	future	ADJ
cblr-2965	891	21	return	return	NOUN
cblr-2965	891	22	,	,	PUNCT
cblr-2965	891	23	which	which	PRON
cblr-2965	891	24	for	for	ADP
cblr-2965	891	25	index	index	NOUN
cblr-2965	891	26	funds	fund	NOUN
cblr-2965	891	27	is	be	AUX
cblr-2965	891	28	the	the	DET
cblr-2965	891	29	fund	fund	NOUN
cblr-2965	891	30	with	with	ADP
cblr-2965	891	31	the	the	DET
cblr-2965	891	32	lowest	low	ADJ
cblr-2965	891	33	expense	expense	NOUN
cblr-2965	891	34	ratio.2"9	ratio.2"9	ADP
cblr-2965	891	35	the	the	DET
cblr-2965	891	36	experiment	experiment	NOUN
cblr-2965	891	37	was	be	AUX
cblr-2965	891	38	designed	design	VERB
cblr-2965	891	39	so	so	SCONJ
cblr-2965	891	40	that	that	SCONJ
cblr-2965	891	41	participants	participant	NOUN
cblr-2965	891	42	did	do	AUX
cblr-2965	891	43	not	not	PART
cblr-2965	891	44	benefit	benefit	VERB
cblr-2965	891	45	from	from	ADP
cblr-2965	891	46	any	any	DET
cblr-2965	891	47	fund	fund	NOUN
cblr-2965	891	48	services	service	NOUN
cblr-2965	891	49	;	;	PUNCT
cblr-2965	891	50	all	all	PRON
cblr-2965	891	51	that	that	PRON
cblr-2965	891	52	mattered	matter	VERB
cblr-2965	891	53	were	be	AUX
cblr-2965	891	54	future	future	ADJ
cblr-2965	891	55	returns	return	NOUN
cblr-2965	891	56	(	(	PUNCT
cblr-2965	891	57	and	and	CCONJ
cblr-2965	891	58	thus	thus	ADV
cblr-2965	891	59	expenses).21	expenses).21	PROPN
cblr-2965	891	60	nevertheless	nevertheless	ADV
cblr-2965	891	61	,	,	PUNCT
cblr-2965	891	62	almost	almost	ADV
cblr-2965	891	63	none	none	NOUN
cblr-2965	891	64	of	of	ADP
cblr-2965	891	65	participants	participant	NOUN
cblr-2965	891	66	picked	pick	VERB
cblr-2965	891	67	the	the	DET
cblr-2965	891	68	portfolio	portfolio	NOUN
cblr-2965	891	69	that	that	PRON
cblr-2965	891	70	would	would	AUX
cblr-2965	891	71	minimize	minimize	VERB
cblr-2965	891	72	their	their	PRON
cblr-2965	891	73	expenses.21	expenses.21	NOUN
cblr-2965	891	74	'	'	PUNCT
cblr-2965	891	75	in	in	ADP
cblr-2965	891	76	fact	fact	NOUN
cblr-2965	891	77	,	,	PUNCT
cblr-2965	891	78	as	as	ADP
cblr-2965	891	79	a	a	DET
cblr-2965	891	80	whole	whole	NOUN
cblr-2965	891	81	,	,	PUNCT
cblr-2965	891	82	they	they	PRON
cblr-2965	891	83	chose	choose	VERB
cblr-2965	891	84	portfolios	portfolio	NOUN
cblr-2965	891	85	that	that	PRON
cblr-2965	891	86	had	have	VERB
cblr-2965	891	87	expenses	expense	NOUN
cblr-2965	891	88	only	only	ADV
cblr-2965	891	89	slightly	slightly	ADV
cblr-2965	891	90	below	below	ADP
cblr-2965	891	91	the	the	DET
cblr-2965	891	92	average	average	ADJ
cblr-2965	891	93	expense	expense	NOUN
cblr-2965	891	94	ratio	ratio	NOUN
cblr-2965	891	95	of	of	ADP
cblr-2965	891	96	the	the	DET
cblr-2965	891	97	four	four	NUM
cblr-2965	891	98	funds.212	funds.212	NUM
cblr-2965	891	99	the	the	DET
cblr-2965	891	100	participants	participant	NOUN
cblr-2965	891	101	,	,	PUNCT
cblr-2965	891	102	as	as	ADP
cblr-2965	891	103	a	a	DET
cblr-2965	891	104	group	group	NOUN
cblr-2965	891	105	,	,	PUNCT
cblr-2965	891	106	were	be	AUX
cblr-2965	891	107	more	more	ADV
cblr-2965	891	108	financially	financially	ADV
cblr-2965	891	109	sophisticated	sophisticated	ADJ
cblr-2965	891	110	than	than	ADP
cblr-2965	891	111	the	the	DET
cblr-2965	891	112	typical	typical	ADJ
cblr-2965	891	113	american	american	ADJ
cblr-2965	891	114	investor	investor	NOUN
cblr-2965	891	115	.	.	PUNCT
cblr-2965	892	1	213	213	NUM
cblr-2965	892	2	thus	thus	ADV
cblr-2965	892	3	,	,	PUNCT
cblr-2965	892	4	this	this	DET
cblr-2965	892	5	experiment	experiment	NOUN
cblr-2965	892	6	indicates	indicate	VERB
cblr-2965	892	7	that	that	SCONJ
cblr-2965	892	8	many	many	ADJ
cblr-2965	892	9	fund	fund	NOUN
cblr-2965	892	10	investors	investor	NOUN
cblr-2965	892	11	choose	choose	VERB
cblr-2965	892	12	high	high	ADJ
cblr-2965	892	13	-	-	PUNCT
cblr-2965	892	14	expense	expense	NOUN
cblr-2965	892	15	index	index	NOUN
cblr-2965	892	16	funds	fund	NOUN
cblr-2965	892	17	without	without	ADP
cblr-2965	892	18	good	good	ADJ
cblr-2965	892	19	reason	reason	NOUN
cblr-2965	892	20	,	,	PUNCT
cblr-2965	892	21	not	not	PART
cblr-2965	892	22	because	because	SCONJ
cblr-2965	892	23	such	such	ADJ
cblr-2965	892	24	funds	fund	NOUN
cblr-2965	892	25	provide	provide	VERB
cblr-2965	892	26	greater	great	ADJ
cblr-2965	892	27	services.214	services.214	ADJ
cblr-2965	892	28	4	4	NUM
cblr-2965	892	29	.	.	PUNCT
cblr-2965	892	30	summary	summary	NOUN
cblr-2965	892	31	and	and	CCONJ
cblr-2965	892	32	analysis	analysis	NOUN
cblr-2965	892	33	some	some	DET
cblr-2965	892	34	investors	investor	NOUN
cblr-2965	892	35	do	do	AUX
cblr-2965	892	36	seek	seek	VERB
cblr-2965	892	37	low	low	ADJ
cblr-2965	892	38	-	-	PUNCT
cblr-2965	892	39	cost	cost	NOUN
cblr-2965	892	40	funds	fund	NOUN
cblr-2965	892	41	,	,	PUNCT
cblr-2965	892	42	and	and	CCONJ
cblr-2965	892	43	there	there	PRON
cblr-2965	892	44	are	be	VERB
cblr-2965	892	45	some	some	DET
cblr-2965	892	46	indications	indication	NOUN
cblr-2965	892	47	that	that	PRON
cblr-2965	892	48	fund	fund	NOUN
cblr-2965	892	49	investors	investor	NOUN
cblr-2965	892	50	are	be	AUX
cblr-2965	892	51	becoming	become	VERB
cblr-2965	892	52	more	more	ADV
cblr-2965	892	53	savvy	savvy	ADJ
cblr-2965	892	54	about	about	ADP
cblr-2965	892	55	mutual	mutual	ADJ
cblr-2965	892	56	fund	fund	NOUN
cblr-2965	892	57	expenses	expense	NOUN
cblr-2965	892	58	.	.	PUNCT
cblr-2965	893	1	the	the	DET
cblr-2965	893	2	popularity	popularity	NOUN
cblr-2965	893	3	of	of	ADP
cblr-2965	893	4	index	index	NOUN
cblr-2965	893	5	funds	fund	NOUN
cblr-2965	893	6	is	be	AUX
cblr-2965	893	7	a	a	DET
cblr-2965	893	8	sign	sign	NOUN
cblr-2965	893	9	that	that	SCONJ
cblr-2965	893	10	some	some	DET
cblr-2965	893	11	investors	investor	NOUN
cblr-2965	893	12	have	have	AUX
cblr-2965	893	13	come	come	VERB
cblr-2965	893	14	to	to	PART
cblr-2965	893	15	notice	notice	VERB
cblr-2965	893	16	that	that	SCONJ
cblr-2965	893	17	expenses	expense	NOUN
cblr-2965	893	18	create	create	VERB
cblr-2965	893	19	a	a	DET
cblr-2965	893	20	drag	drag	NOUN
cblr-2965	893	21	on	on	ADP
cblr-2965	893	22	fund	fund	NOUN
cblr-2965	893	23	returns	return	NOUN
cblr-2965	893	24	.	.	PUNCT
cblr-2965	894	1	nonetheless	nonetheless	ADV
cblr-2965	894	2	,	,	PUNCT
cblr-2965	894	3	many	many	ADJ
cblr-2965	894	4	investors	investor	NOUN
cblr-2965	894	5	still	still	ADV
cblr-2965	894	6	do	do	AUX
cblr-2965	894	7	not	not	PART
cblr-2965	894	8	make	make	VERB
cblr-2965	894	9	expenses	expense	NOUN
cblr-2965	894	10	a	a	DET
cblr-2965	894	11	major	major	ADJ
cblr-2965	894	12	factor	factor	NOUN
cblr-2965	894	13	in	in	ADP
cblr-2965	894	14	their	their	PRON
cblr-2965	894	15	fund	fund	NOUN
cblr-2965	894	16	choices	choice	NOUN
cblr-2965	894	17	.	.	PUNCT
cblr-2965	895	1	despite	despite	SCONJ
cblr-2965	895	2	the	the	DET
cblr-2965	895	3	existence	existence	NOUN
cblr-2965	895	4	of	of	ADP
cblr-2965	895	5	large	large	ADJ
cblr-2965	895	6	economies	economy	NOUN
cblr-2965	895	7	of	of	ADP
cblr-2965	895	8	scale	scale	NOUN
cblr-2965	895	9	in	in	ADP
cblr-2965	895	10	the	the	DET
cblr-2965	895	11	industry	industry	NOUN
cblr-2965	895	12	and	and	CCONJ
cblr-2965	895	13	despite	despite	SCONJ
cblr-2965	895	14	the	the	DET
cblr-2965	895	15	financial	financial	ADJ
cblr-2965	895	16	press	press	NOUN
cblr-2965	895	17	's	's	PART
cblr-2965	895	18	encouragement	encouragement	NOUN
cblr-2965	895	19	of	of	ADP
cblr-2965	895	20	investors	investor	NOUN
cblr-2965	895	21	to	to	PART
cblr-2965	895	22	seek	seek	VERB
cblr-2965	895	23	low	low	ADJ
cblr-2965	895	24	-	-	PUNCT
cblr-2965	895	25	cost	cost	NOUN
cblr-2965	895	26	funds	fund	NOUN
cblr-2965	895	27	,	,	PUNCT
cblr-2965	895	28	it	it	PRON
cblr-2965	895	29	is	be	AUX
cblr-2965	895	30	not	not	PART
cblr-2965	895	31	clear	clear	ADJ
cblr-2965	895	32	that	that	SCONJ
cblr-2965	895	33	expense	expense	NOUN
cblr-2965	895	34	ratios	ratio	NOUN
cblr-2965	895	35	have	have	AUX
cblr-2965	895	36	fallen	fall	VERB
cblr-2965	895	37	in	in	ADP
cblr-2965	895	38	recent	recent	ADJ
cblr-2965	895	39	decades	decade	NOUN
cblr-2965	895	40	.	.	PUNCT
cblr-2965	896	1	large	large	ADJ
cblr-2965	896	2	numbers	number	NOUN
cblr-2965	896	3	of	of	ADP
cblr-2965	896	4	cost	cost	NOUN
cblr-2965	896	5	-	-	PUNCT
cblr-2965	896	6	insensitive	insensitive	ADJ
cblr-2965	896	7	investors	investor	NOUN
cblr-2965	896	8	29	29	NUM
cblr-2965	897	1	i	i	PRON
cblr-2965	897	2	d.	d.	PROPN
cblr-2965	897	3	at	at	ADP
cblr-2965	897	4	4	4	NUM
cblr-2965	897	5	,	,	PUNCT
cblr-2965	897	6	21	21	NUM
cblr-2965	897	7	.	.	X
cblr-2965	897	8	210	210	NUM
cblr-2965	898	1	i	i	NOUN
cblr-2965	898	2	d.	d.	PROPN
cblr-2965	898	3	211	211	NUM
cblr-2965	899	1	i	i	PRON
cblr-2965	899	2	d.	d.	PROPN
cblr-2965	899	3	at	at	ADP
cblr-2965	899	4	4	4	NUM
cblr-2965	899	5	.	.	NUM
cblr-2965	899	6	212	212	NUM
cblr-2965	900	1	i	i	PRON
cblr-2965	900	2	d.	d.	PROPN
cblr-2965	900	3	at	at	ADP
cblr-2965	900	4	15	15	NUM
cblr-2965	900	5	-	-	SYM
cblr-2965	900	6	16	16	NUM
cblr-2965	900	7	.	.	PUNCT
cblr-2965	901	1	213	213	NUM
cblr-2965	901	2	i	i	PRON
cblr-2965	901	3	d.	d.	PROPN
cblr-2965	901	4	at	at	ADP
cblr-2965	901	5	14	14	NUM
cblr-2965	901	6	.	.	PUNCT
cblr-2965	902	1	214	214	NUM
cblr-2965	902	2	some	some	DET
cblr-2965	902	3	investors	investor	NOUN
cblr-2965	902	4	even	even	ADV
cblr-2965	902	5	might	might	AUX
cblr-2965	902	6	be	be	AUX
cblr-2965	902	7	choosing	choose	VERB
cblr-2965	902	8	higher	high	ADJ
cblr-2965	902	9	expense	expense	NOUN
cblr-2965	902	10	funds	fund	NOUN
cblr-2965	902	11	because	because	SCONJ
cblr-2965	902	12	they	they	PRON
cblr-2965	902	13	believe	believe	VERB
cblr-2965	902	14	that	that	SCONJ
cblr-2965	902	15	"	"	PUNCT
cblr-2965	902	16	you	you	PRON
cblr-2965	902	17	get	get	VERB
cblr-2965	902	18	what	what	PRON
cblr-2965	902	19	you	you	PRON
cblr-2965	902	20	pay	pay	VERB
cblr-2965	902	21	for	for	ADP
cblr-2965	902	22	.	.	PUNCT
cblr-2965	902	23	"	"	PUNCT
cblr-2965	903	1	the	the	DET
cblr-2965	903	2	sec	sec	PROPN
cblr-2965	903	3	/	/	SYM
cblr-2965	903	4	office	office	NOUN
cblr-2965	903	5	of	of	ADP
cblr-2965	903	6	the	the	DET
cblr-2965	903	7	comptroller	comptroller	NOUN
cblr-2965	903	8	of	of	ADP
cblr-2965	903	9	the	the	DET
cblr-2965	903	10	currency	currency	NOUN
cblr-2965	903	11	survey	survey	NOUN
cblr-2965	903	12	(	(	PUNCT
cblr-2965	903	13	which	which	PRON
cblr-2965	903	14	was	be	AUX
cblr-2965	903	15	not	not	PART
cblr-2965	903	16	limited	limit	VERB
cblr-2965	903	17	to	to	ADP
cblr-2965	903	18	index	index	NOUN
cblr-2965	903	19	fund	fund	NOUN
cblr-2965	903	20	investors	investor	NOUN
cblr-2965	903	21	)	)	PUNCT
cblr-2965	903	22	found	find	VERB
cblr-2965	903	23	that	that	SCONJ
cblr-2965	903	24	20	20	NUM
cblr-2965	903	25	%	%	NOUN
cblr-2965	903	26	of	of	ADP
cblr-2965	903	27	fund	fund	NOUN
cblr-2965	903	28	investors	investor	NOUN
cblr-2965	903	29	expected	expect	VERB
cblr-2965	903	30	that	that	SCONJ
cblr-2965	903	31	a	a	DET
cblr-2965	903	32	fund	fund	NOUN
cblr-2965	903	33	with	with	ADP
cblr-2965	903	34	above	above	ADP
cblr-2965	903	35	average	average	ADJ
cblr-2965	903	36	expenses	expense	NOUN
cblr-2965	903	37	would	would	AUX
cblr-2965	903	38	also	also	ADV
cblr-2965	903	39	give	give	VERB
cblr-2965	903	40	above	above	ADP
cblr-2965	903	41	average	average	ADJ
cblr-2965	903	42	returns	return	NOUN
cblr-2965	903	43	.	.	PUNCT
cblr-2965	904	1	alexander	alexander	PROPN
cblr-2965	904	2	et	et	PROPN
cblr-2965	904	3	al	al	PROPN
cblr-2965	904	4	.	.	PROPN
cblr-2965	904	5	,	,	PUNCT
cblr-2965	904	6	supra	supra	PROPN
cblr-2965	904	7	note	note	PROPN
cblr-2965	904	8	151	151	NUM
cblr-2965	904	9	,	,	PUNCT
cblr-2965	904	10	at	at	ADP
cblr-2965	904	11	309	309	NUM
cblr-2965	904	12	tbl.5	tbl.5	NOUN
cblr-2965	904	13	.	.	PUNCT
cblr-2965	905	1	no	no	INTJ
cblr-2965	905	2	.	.	PUNCT
cblr-2965	906	1	3:9341	3:9341	NUM
cblr-2965	906	2	continue	continue	VERB
cblr-2965	906	3	to	to	PART
cblr-2965	906	4	exist	exist	VERB
cblr-2965	906	5	,	,	PUNCT
cblr-2965	906	6	and	and	CCONJ
cblr-2965	906	7	high	high	ADJ
cblr-2965	906	8	-	-	PUNCT
cblr-2965	906	9	expense	expense	NOUN
cblr-2965	906	10	,	,	PUNCT
cblr-2965	906	11	actively	actively	ADV
cblr-2965	906	12	-	-	PUNCT
cblr-2965	906	13	managed	manage	VERB
cblr-2965	906	14	funds	fund	NOUN
cblr-2965	906	15	and	and	CCONJ
cblr-2965	906	16	even	even	ADV
cblr-2965	906	17	high	high	ADJ
cblr-2965	906	18	-	-	PUNCT
cblr-2965	906	19	expense	expense	NOUN
cblr-2965	906	20	index	index	NOUN
cblr-2965	906	21	funds	fund	NOUN
cblr-2965	906	22	continue	continue	VERB
cblr-2965	906	23	to	to	PART
cblr-2965	906	24	flourish.215	flourish.215	VERB
cblr-2965	906	25	d.	d.	PROPN
cblr-2965	906	26	investors	investor	NOUN
cblr-2965	906	27	increasingly	increasingly	ADV
cblr-2965	906	28	pay	pay	VERB
cblr-2965	906	29	attention	attention	NOUN
cblr-2965	906	30	to	to	PART
cblr-2965	906	31	loads	load	VERB
cblr-2965	906	32	many	many	ADJ
cblr-2965	906	33	fund	fund	NOUN
cblr-2965	906	34	investors	investor	NOUN
cblr-2965	906	35	,	,	PUNCT
cblr-2965	906	36	although	although	SCONJ
cblr-2965	906	37	generally	generally	ADV
cblr-2965	906	38	insensitive	insensitive	ADJ
cblr-2965	906	39	to	to	ADP
cblr-2965	906	40	fund	fund	NOUN
cblr-2965	906	41	operating	operating	NOUN
cblr-2965	906	42	expenses	expense	NOUN
cblr-2965	906	43	,	,	PUNCT
cblr-2965	906	44	increasingly	increasingly	ADV
cblr-2965	906	45	pay	pay	VERB
cblr-2965	906	46	attention	attention	NOUN
cblr-2965	906	47	to	to	ADP
cblr-2965	906	48	fund	fund	NOUN
cblr-2965	906	49	loads	load	NOUN
cblr-2965	906	50	,	,	PUNCT
cblr-2965	906	51	which	which	PRON
cblr-2965	906	52	are	be	AUX
cblr-2965	906	53	becoming	become	VERB
cblr-2965	906	54	less	less	ADV
cblr-2965	906	55	common.216	common.216	NOUN
cblr-2965	906	56	a	a	DET
cblr-2965	906	57	load	load	NOUN
cblr-2965	906	58	is	be	AUX
cblr-2965	906	59	a	a	DET
cblr-2965	906	60	onetime	onetime	ADJ
cblr-2965	906	61	fee	fee	NOUN
cblr-2965	906	62	paid	pay	VERB
cblr-2965	906	63	by	by	ADP
cblr-2965	906	64	investors	investor	NOUN
cblr-2965	906	65	when	when	SCONJ
cblr-2965	906	66	they	they	PRON
cblr-2965	906	67	buy	buy	VERB
cblr-2965	906	68	(	(	PUNCT
cblr-2965	906	69	or	or	CCONJ
cblr-2965	906	70	sometimes	sometimes	ADV
cblr-2965	906	71	when	when	SCONJ
cblr-2965	906	72	they	they	PRON
cblr-2965	906	73	sell	sell	VERB
cblr-2965	906	74	)	)	PUNCT
cblr-2965	906	75	fund	fund	NOUN
cblr-2965	906	76	shares.217	shares.217	NOUN
cblr-2965	906	77	load	load	NOUN
cblr-2965	906	78	proceeds	proceed	NOUN
cblr-2965	906	79	are	be	AUX
cblr-2965	906	80	used	use	VERB
cblr-2965	906	81	for	for	ADP
cblr-2965	906	82	fund	fund	NOUN
cblr-2965	906	83	marketing	marketing	NOUN
cblr-2965	906	84	,	,	PUNCT
cblr-2965	906	85	such	such	ADJ
cblr-2965	906	86	as	as	ADP
cblr-2965	906	87	for	for	ADP
cblr-2965	906	88	commissions	commission	NOUN
cblr-2965	906	89	to	to	ADP
cblr-2965	906	90	brokers	broker	NOUN
cblr-2965	906	91	who	who	PRON
cblr-2965	906	92	direct	direct	VERB
cblr-2965	906	93	customers	customer	NOUN
cblr-2965	906	94	to	to	ADP
cblr-2965	906	95	the	the	DET
cblr-2965	906	96	fund.218	fund.218	NOUN
cblr-2965	906	97	1	1	NUM
cblr-2965	906	98	.	.	PUNCT
cblr-2965	907	1	studies	study	NOUN
cblr-2965	907	2	of	of	ADP
cblr-2965	907	3	loads	load	NOUN
cblr-2965	907	4	do	do	AUX
cblr-2965	907	5	loads	load	NOUN
cblr-2965	907	6	increase	increase	VERB
cblr-2965	907	7	or	or	CCONJ
cblr-2965	907	8	decrease	decrease	VERB
cblr-2965	907	9	fund	fund	NOUN
cblr-2965	907	10	flows	flow	NOUN
cblr-2965	907	11	?	?	PUNCT
cblr-2965	908	1	on	on	ADP
cblr-2965	908	2	the	the	DET
cblr-2965	908	3	one	one	NUM
cblr-2965	908	4	hand	hand	NOUN
cblr-2965	908	5	,	,	PUNCT
cblr-2965	908	6	investors	investor	NOUN
cblr-2965	908	7	should	should	AUX
cblr-2965	908	8	be	be	AUX
cblr-2965	908	9	averse	averse	ADJ
cblr-2965	908	10	to	to	ADP
cblr-2965	908	11	paying	pay	VERB
cblr-2965	908	12	additional	additional	ADJ
cblr-2965	908	13	fees	fee	NOUN
cblr-2965	908	14	,	,	PUNCT
cblr-2965	908	15	so	so	ADV
cblr-2965	908	16	215	215	NUM
cblr-2965	908	17	elton	elton	NOUN
cblr-2965	908	18	et	et	PROPN
cblr-2965	908	19	al	al	PROPN
cblr-2965	908	20	.	.	PROPN
cblr-2965	908	21	,	,	PUNCT
cblr-2965	908	22	supra	supra	PROPN
cblr-2965	908	23	note	note	PROPN
cblr-2965	908	24	197	197	NUM
cblr-2965	908	25	,	,	PUNCT
cblr-2965	908	26	at	at	ADP
cblr-2965	908	27	286	286	NUM
cblr-2965	908	28	(	(	PUNCT
cblr-2965	908	29	noting	note	VERB
cblr-2965	908	30	that	that	SCONJ
cblr-2965	908	31	because	because	SCONJ
cblr-2965	908	32	arbitrage	arbitrage	NOUN
cblr-2965	908	33	is	be	AUX
cblr-2965	908	34	impossible	impossible	ADJ
cblr-2965	908	35	,	,	PUNCT
cblr-2965	908	36	"	"	PUNCT
cblr-2965	908	37	all	all	PRON
cblr-2965	908	38	that	that	PRON
cblr-2965	908	39	is	be	AUX
cblr-2965	908	40	necessary	necessary	ADJ
cblr-2965	908	41	for	for	SCONJ
cblr-2965	908	42	inferior	inferior	ADJ
cblr-2965	908	43	funds	fund	NOUN
cblr-2965	908	44	to	to	PART
cblr-2965	908	45	exist	exist	VERB
cblr-2965	908	46	and	and	CCONJ
cblr-2965	908	47	grow	grow	VERB
cblr-2965	908	48	is	be	AUX
cblr-2965	908	49	a	a	DET
cblr-2965	908	50	set	set	NOUN
cblr-2965	908	51	of	of	ADP
cblr-2965	908	52	uninformed	uninformed	ADJ
cblr-2965	908	53	investors	investor	NOUN
cblr-2965	908	54	and	and	CCONJ
cblr-2965	908	55	a	a	DET
cblr-2965	908	56	set	set	NOUN
cblr-2965	908	57	of	of	ADP
cblr-2965	908	58	distributors	distributor	NOUN
cblr-2965	908	59	who	who	PRON
cblr-2965	908	60	have	have	VERB
cblr-2965	908	61	an	an	DET
cblr-2965	908	62	economic	economic	ADJ
cblr-2965	908	63	incentive	incentive	NOUN
cblr-2965	908	64	to	to	PART
cblr-2965	908	65	sell	sell	VERB
cblr-2965	908	66	inferior	inferior	ADJ
cblr-2965	908	67	products	product	NOUN
cblr-2965	908	68	"	"	PUNCT
cblr-2965	908	69	)	)	PUNCT
cblr-2965	908	70	.	.	PUNCT
cblr-2965	909	1	see	see	VERB
cblr-2965	909	2	also	also	ADV
cblr-2965	909	3	susan	susan	PROPN
cblr-2965	909	4	e.k	e.k	PROPN
cblr-2965	909	5	.	.	PROPN
cblr-2965	909	6	christoffersen	christoffersen	PROPN
cblr-2965	909	7	&	&	CCONJ
cblr-2965	909	8	david	david	PROPN
cblr-2965	909	9	k.	k.	PROPN
cblr-2965	909	10	musto	musto	PROPN
cblr-2965	909	11	,	,	PUNCT
cblr-2965	909	12	demand	demand	VERB
cblr-2965	909	13	curves	curve	NOUN
cblr-2965	909	14	and	and	CCONJ
cblr-2965	909	15	the	the	DET
cblr-2965	909	16	pricing	pricing	NOUN
cblr-2965	909	17	of	of	ADP
cblr-2965	909	18	money	money	NOUN
cblr-2965	909	19	management	management	NOUN
cblr-2965	909	20	,	,	PUNCT
cblr-2965	909	21	15	15	NUM
cblr-2965	909	22	rev	rev	X
cblr-2965	909	23	.	.	PROPN
cblr-2965	910	1	fin	fin	NOUN
cblr-2965	910	2	.	.	PUNCT
cblr-2965	911	1	studies	study	NOUN
cblr-2965	911	2	1499	1499	NUM
cblr-2965	911	3	(	(	PUNCT
cblr-2965	911	4	2002	2002	NUM
cblr-2965	911	5	)	)	PUNCT
cblr-2965	911	6	(	(	PUNCT
cblr-2965	911	7	finding	find	VERB
cblr-2965	911	8	that	that	PRON
cblr-2965	911	9	less	less	ADJ
cblr-2965	911	10	price	price	NOUN
cblr-2965	911	11	-	-	PUNCT
cblr-2965	911	12	sensitive	sensitive	ADJ
cblr-2965	911	13	money	money	NOUN
cblr-2965	911	14	-	-	PUNCT
cblr-2965	911	15	fund	fund	NOUN
cblr-2965	911	16	investors	investor	NOUN
cblr-2965	911	17	pay	pay	VERB
cblr-2965	911	18	higher	high	ADJ
cblr-2965	911	19	fees	fee	NOUN
cblr-2965	911	20	than	than	SCONJ
cblr-2965	911	21	do	do	VERB
cblr-2965	911	22	more	more	ADJ
cblr-2965	911	23	price	price	NOUN
cblr-2965	911	24	-	-	PUNCT
cblr-2965	911	25	sensitive	sensitive	ADJ
cblr-2965	911	26	investors	investor	NOUN
cblr-2965	911	27	)	)	PUNCT
cblr-2965	911	28	.	.	PUNCT
cblr-2965	912	1	216	216	NUM
cblr-2965	912	2	in	in	ADP
cblr-2965	912	3	2007	2007	NUM
cblr-2965	912	4	,	,	PUNCT
cblr-2965	912	5	flows	flow	VERB
cblr-2965	912	6	into	into	ADP
cblr-2965	912	7	load	load	NOUN
cblr-2965	912	8	funds	fund	NOUN
cblr-2965	912	9	constituted	constitute	VERB
cblr-2965	912	10	only	only	ADV
cblr-2965	912	11	9.4	9.4	NUM
cblr-2965	912	12	%	%	NOUN
cblr-2965	912	13	of	of	ADP
cblr-2965	912	14	all	all	DET
cblr-2965	912	15	flows	flow	NOUN
cblr-2965	912	16	into	into	ADP
cblr-2965	912	17	long	long	ADJ
cblr-2965	912	18	-	-	PUNCT
cblr-2965	912	19	term	term	NOUN
cblr-2965	912	20	mutual	mutual	ADJ
cblr-2965	912	21	funds	fund	NOUN
cblr-2965	912	22	(	(	PUNCT
cblr-2965	912	23	equity	equity	NOUN
cblr-2965	912	24	,	,	PUNCT
cblr-2965	912	25	bond	bond	NOUN
cblr-2965	912	26	,	,	PUNCT
cblr-2965	912	27	and	and	CCONJ
cblr-2965	912	28	hybrid	hybrid	ADJ
cblr-2965	912	29	funds	fund	NOUN
cblr-2965	912	30	)	)	PUNCT
cblr-2965	912	31	.	.	PUNCT
cblr-2965	913	1	2008	2008	NUM
cblr-2965	913	2	fact	fact	NOUN
cblr-2965	913	3	book	book	NOUN
cblr-2965	913	4	,	,	PUNCT
cblr-2965	913	5	supra	supra	PROPN
cblr-2965	913	6	note	note	NOUN
cblr-2965	913	7	2	2	NUM
cblr-2965	913	8	,	,	PUNCT
cblr-2965	913	9	at	at	ADP
cblr-2965	913	10	26	26	NUM
cblr-2965	913	11	fig.2.7	fig.2.7	NOUN
cblr-2965	913	12	.	.	PUNCT
cblr-2965	914	1	this	this	PRON
cblr-2965	914	2	is	be	AUX
cblr-2965	914	3	a	a	DET
cblr-2965	914	4	significant	significant	ADJ
cblr-2965	914	5	decline	decline	NOUN
cblr-2965	914	6	even	even	ADV
cblr-2965	914	7	from	from	ADP
cblr-2965	914	8	as	as	ADV
cblr-2965	914	9	recently	recently	ADV
cblr-2965	914	10	as	as	ADP
cblr-2965	914	11	2001	2001	NUM
cblr-2965	914	12	,	,	PUNCT
cblr-2965	914	13	when	when	SCONJ
cblr-2965	914	14	they	they	PRON
cblr-2965	914	15	constituted	constitute	VERB
cblr-2965	914	16	34.9	34.9	NUM
cblr-2965	914	17	%	%	NOUN
cblr-2965	914	18	of	of	ADP
cblr-2965	914	19	flows	flow	NOUN
cblr-2965	914	20	into	into	ADP
cblr-2965	914	21	long	long	ADJ
cblr-2965	914	22	-	-	PUNCT
cblr-2965	914	23	term	term	NOUN
cblr-2965	914	24	mutual	mutual	ADJ
cblr-2965	914	25	funds	fund	NOUN
cblr-2965	914	26	.	.	PUNCT
cblr-2965	915	1	i	i	PRON
cblr-2965	915	2	d.	d.	PROPN
cblr-2965	915	3	217	217	NUM
cblr-2965	915	4	for	for	ADP
cblr-2965	915	5	example	example	NOUN
cblr-2965	915	6	,	,	PUNCT
cblr-2965	915	7	if	if	SCONJ
cblr-2965	915	8	a	a	DET
cblr-2965	915	9	fund	fund	NOUN
cblr-2965	915	10	charges	charge	VERB
cblr-2965	915	11	a	a	DET
cblr-2965	915	12	2	2	NUM
cblr-2965	915	13	%	%	NOUN
cblr-2965	915	14	front	front	ADJ
cblr-2965	915	15	-	-	PUNCT
cblr-2965	915	16	end	end	NOUN
cblr-2965	915	17	load	load	NOUN
cblr-2965	915	18	,	,	PUNCT
cblr-2965	915	19	a	a	DET
cblr-2965	915	20	person	person	NOUN
cblr-2965	915	21	who	who	PRON
cblr-2965	915	22	invests	invest	VERB
cblr-2965	915	23	$	$	SYM
cblr-2965	915	24	10,000	10,000	NUM
cblr-2965	915	25	in	in	ADP
cblr-2965	915	26	the	the	DET
cblr-2965	915	27	fund	fund	NOUN
cblr-2965	915	28	will	will	AUX
cblr-2965	915	29	only	only	ADV
cblr-2965	915	30	have	have	VERB
cblr-2965	915	31	$	$	SYM
cblr-2965	915	32	9800	9800	NUM
cblr-2965	915	33	invested	invest	VERB
cblr-2965	915	34	in	in	ADP
cblr-2965	915	35	the	the	DET
cblr-2965	915	36	fund	fund	NOUN
cblr-2965	915	37	.	.	PUNCT
cblr-2965	916	1	211	211	NUM
cblr-2965	916	2	investors	investor	NOUN
cblr-2965	916	3	could	could	AUX
cblr-2965	916	4	benefit	benefit	VERB
cblr-2965	916	5	if	if	SCONJ
cblr-2965	916	6	the	the	DET
cblr-2965	916	7	greater	great	ADJ
cblr-2965	916	8	marketing	marketing	NOUN
cblr-2965	916	9	paid	pay	VERB
cblr-2965	916	10	for	for	ADP
cblr-2965	916	11	by	by	ADP
cblr-2965	916	12	the	the	DET
cblr-2965	916	13	load	load	NOUN
cblr-2965	916	14	were	be	AUX
cblr-2965	916	15	to	to	PART
cblr-2965	916	16	lead	lead	VERB
cblr-2965	916	17	to	to	ADP
cblr-2965	916	18	an	an	DET
cblr-2965	916	19	increase	increase	NOUN
cblr-2965	916	20	in	in	ADP
cblr-2965	916	21	the	the	DET
cblr-2965	916	22	fund	fund	NOUN
cblr-2965	916	23	's	's	PART
cblr-2965	916	24	assets	asset	NOUN
cblr-2965	916	25	and	and	CCONJ
cblr-2965	916	26	the	the	DET
cblr-2965	916	27	resulting	result	VERB
cblr-2965	916	28	economies	economy	NOUN
cblr-2965	916	29	of	of	ADP
cblr-2965	916	30	scale	scale	NOUN
cblr-2965	916	31	were	be	AUX
cblr-2965	916	32	passed	pass	VERB
cblr-2965	916	33	along	along	ADP
cblr-2965	916	34	to	to	ADP
cblr-2965	916	35	the	the	DET
cblr-2965	916	36	fund	fund	NOUN
cblr-2965	916	37	's	's	PART
cblr-2965	916	38	investors	investor	NOUN
cblr-2965	916	39	in	in	ADP
cblr-2965	916	40	the	the	DET
cblr-2965	916	41	form	form	NOUN
cblr-2965	916	42	of	of	ADP
cblr-2965	916	43	lower	low	ADJ
cblr-2965	916	44	expense	expense	NOUN
cblr-2965	916	45	ratios	ratio	NOUN
cblr-2965	916	46	.	.	PUNCT
cblr-2965	917	1	however	however	ADV
cblr-2965	917	2	,	,	PUNCT
cblr-2965	917	3	there	there	PRON
cblr-2965	917	4	is	be	VERB
cblr-2965	917	5	little	little	ADJ
cblr-2965	917	6	evidence	evidence	NOUN
cblr-2965	917	7	that	that	PRON
cblr-2965	917	8	loads	load	VERB
cblr-2965	917	9	actually	actually	ADV
cblr-2965	917	10	lead	lead	VERB
cblr-2965	917	11	to	to	ADP
cblr-2965	917	12	a	a	DET
cblr-2965	917	13	net	net	ADJ
cblr-2965	917	14	benefit	benefit	NOUN
cblr-2965	917	15	for	for	ADP
cblr-2965	917	16	investors	investor	NOUN
cblr-2965	917	17	in	in	ADP
cblr-2965	917	18	this	this	DET
cblr-2965	917	19	way	way	NOUN
cblr-2965	917	20	.	.	PUNCT
cblr-2965	918	1	see	see	VERB
cblr-2965	918	2	,	,	PUNCT
cblr-2965	918	3	e.g.	e.g.	ADV
cblr-2965	918	4	,	,	PUNCT
cblr-2965	918	5	barber	barber	PROPN
cblr-2965	918	6	et	et	PROPN
cblr-2965	918	7	al	al	PROPN
cblr-2965	918	8	.	.	PROPN
cblr-2965	918	9	,	,	PUNCT
cblr-2965	918	10	supra	supra	PROPN
cblr-2965	918	11	note	note	VERB
cblr-2965	918	12	180	180	NUM
cblr-2965	918	13	,	,	PUNCT
cblr-2965	918	14	at	at	ADP
cblr-2965	918	15	2103	2103	NUM
cblr-2965	918	16	(	(	PUNCT
cblr-2965	918	17	finding	find	VERB
cblr-2965	918	18	that	that	SCONJ
cblr-2965	918	19	"	"	PUNCT
cblr-2965	918	20	although	although	SCONJ
cblr-2965	918	21	low	low	ADJ
cblr-2965	918	22	expense	expense	NOUN
cblr-2965	918	23	funds	fund	NOUN
cblr-2965	918	24	have	have	VERB
cblr-2965	918	25	higher	high	ADJ
cblr-2965	918	26	front	front	ADJ
cblr-2965	918	27	-	-	PUNCT
cblr-2965	918	28	end	end	NOUN
cblr-2965	918	29	-	-	PUNCT
cblr-2965	918	30	load	load	NOUN
cblr-2965	918	31	fees	fee	NOUN
cblr-2965	918	32	than	than	ADP
cblr-2965	918	33	high	high	ADJ
cblr-2965	918	34	expense	expense	NOUN
cblr-2965	918	35	funds	fund	NOUN
cblr-2965	918	36	,	,	PUNCT
cblr-2965	918	37	the	the	DET
cblr-2965	918	38	relation	relation	NOUN
cblr-2965	918	39	between	between	ADP
cblr-2965	918	40	expenses	expense	NOUN
cblr-2965	918	41	and	and	CCONJ
cblr-2965	918	42	front	front	ADJ
cblr-2965	918	43	-	-	PUNCT
cblr-2965	918	44	end	end	NOUN
cblr-2965	918	45	loads	load	NOUN
cblr-2965	918	46	is	be	AUX
cblr-2965	918	47	far	far	ADV
cblr-2965	918	48	from	from	ADP
cblr-2965	918	49	monotonic	monotonic	ADJ
cblr-2965	918	50	.	.	PUNCT
cblr-2965	919	1	in	in	ADP
cblr-2965	919	2	addition	addition	NOUN
cblr-2965	919	3	,	,	PUNCT
cblr-2965	919	4	front	front	ADJ
cblr-2965	919	5	-	-	PUNCT
cblr-2965	919	6	end	end	NOUN
cblr-2965	919	7	-	-	PUNCT
cblr-2965	919	8	load	load	NOUN
cblr-2965	919	9	funds	fund	NOUN
cblr-2965	919	10	have	have	VERB
cblr-2965	919	11	higher	high	ADJ
cblr-2965	919	12	average	average	ADJ
cblr-2965	919	13	expense	expense	NOUN
cblr-2965	919	14	ratios	ratio	NOUN
cblr-2965	919	15	than	than	ADP
cblr-2965	919	16	funds	fund	NOUN
cblr-2965	919	17	without	without	ADP
cblr-2965	919	18	front	front	ADJ
cblr-2965	919	19	-	-	PUNCT
cblr-2965	919	20	end	end	NOUN
cblr-2965	919	21	loads	load	NOUN
cblr-2965	919	22	.	.	PUNCT
cblr-2965	920	1	"	"	PUNCT
cblr-2965	920	2	)	)	PUNCT
cblr-2965	920	3	.	.	PUNCT
cblr-2965	921	1	col	col	PROPN
cblr-2965	921	2	umia	umia	PROPN
cblr-2965	921	3	b	b	PROPN
cblr-2965	921	4	usiness	usiness	PROPN
cblr-2965	921	5	la	la	PROPN
cblr-2965	921	6	w	w	PROPN
cblr-2965	921	7	re	re	PROPN
cblr-2965	921	8	vie	vie	PROPN
cblr-2965	921	9	w	w	PROPN
cblr-2965	922	1	[	[	X
cblr-2965	922	2	vol	vol	NOUN
cblr-2965	922	3	.	.	NOUN
cblr-2965	922	4	2008	2008	NUM
cblr-2965	922	5	one	one	PRON
cblr-2965	922	6	would	would	AUX
cblr-2965	922	7	expect	expect	VERB
cblr-2965	922	8	a	a	DET
cblr-2965	922	9	negative	negative	ADJ
cblr-2965	922	10	relationship	relationship	NOUN
cblr-2965	922	11	between	between	ADP
cblr-2965	922	12	loads	load	NOUN
cblr-2965	922	13	and	and	CCONJ
cblr-2965	922	14	flow	flow	NOUN
cblr-2965	922	15	.	.	PUNCT
cblr-2965	923	1	indeed	indeed	ADV
cblr-2965	923	2	,	,	PUNCT
cblr-2965	923	3	wilcox	wilcox	PROPN
cblr-2965	923	4	's	's	PART
cblr-2965	923	5	experiment	experiment	NOUN
cblr-2965	923	6	confirms	confirm	VERB
cblr-2965	923	7	investors	investor	NOUN
cblr-2965	923	8	'	'	PART
cblr-2965	923	9	aversion	aversion	NOUN
cblr-2965	923	10	to	to	ADP
cblr-2965	923	11	loads	load	NOUN
cblr-2965	923	12	.	.	PUNCT
cblr-2965	924	1	recall	recall	VERB
cblr-2965	924	2	that	that	SCONJ
cblr-2965	924	3	his	his	PRON
cblr-2965	924	4	experiment	experiment	NOUN
cblr-2965	924	5	required	require	VERB
cblr-2965	924	6	investors	investor	NOUN
cblr-2965	924	7	to	to	PART
cblr-2965	924	8	choose	choose	VERB
cblr-2965	924	9	among	among	ADP
cblr-2965	924	10	hypothetical	hypothetical	ADJ
cblr-2965	924	11	stock	stock	NOUN
cblr-2965	924	12	mutual	mutual	ADJ
cblr-2965	924	13	funds	fund	NOUN
cblr-2965	924	14	with	with	ADP
cblr-2965	924	15	different	different	ADJ
cblr-2965	924	16	characteristics	characteristic	NOUN
cblr-2965	924	17	,	,	PUNCT
cblr-2965	924	18	including	include	VERB
cblr-2965	924	19	different	different	ADJ
cblr-2965	924	20	expense	expense	NOUN
cblr-2965	924	21	ratio	ratio	NOUN
cblr-2965	924	22	and	and	CCONJ
cblr-2965	924	23	load	load	NOUN
cblr-2965	924	24	combinations	combination	NOUN
cblr-2965	924	25	.	.	PUNCT
cblr-2965	925	1	the	the	DET
cblr-2965	925	2	investors	investor	NOUN
cblr-2965	925	3	greatly	greatly	ADV
cblr-2965	925	4	overemphasized	overemphasize	VERB
cblr-2965	925	5	loads	load	NOUN
cblr-2965	925	6	compared	compare	VERB
cblr-2965	925	7	to	to	ADP
cblr-2965	925	8	expense	expense	NOUN
cblr-2965	925	9	ratios	ratio	NOUN
cblr-2965	925	10	,	,	PUNCT
cblr-2965	925	11	suggesting	suggest	VERB
cblr-2965	925	12	a	a	DET
cblr-2965	925	13	"	"	PUNCT
cblr-2965	925	14	strong	strong	ADJ
cblr-2965	925	15	aversion	aversion	NOUN
cblr-2965	925	16	to	to	ADP
cblr-2965	925	17	front	front	ADJ
cblr-2965	925	18	-	-	PUNCT
cblr-2965	925	19	end	end	NOUN
cblr-2965	925	20	loads	load	NOUN
cblr-2965	925	21	and	and	CCONJ
cblr-2965	925	22	a	a	DET
cblr-2965	925	23	commensurate	commensurate	ADJ
cblr-2965	925	24	disregard	disregard	NOUN
cblr-2965	925	25	for	for	ADP
cblr-2965	925	26	annual	annual	ADJ
cblr-2965	925	27	expense	expense	NOUN
cblr-2965	925	28	ratios	ratio	NOUN
cblr-2965	925	29	.	.	PUNCT
cblr-2965	926	1	"219	"219	NOUN
cblr-2965	926	2	on	on	ADP
cblr-2965	926	3	the	the	DET
cblr-2965	926	4	other	other	ADJ
cblr-2965	926	5	hand	hand	NOUN
cblr-2965	926	6	,	,	PUNCT
cblr-2965	926	7	load	load	NOUN
cblr-2965	926	8	proceeds	proceed	NOUN
cblr-2965	926	9	are	be	AUX
cblr-2965	926	10	used	use	VERB
cblr-2965	926	11	to	to	PART
cblr-2965	926	12	market	market	VERB
cblr-2965	926	13	the	the	DET
cblr-2965	926	14	fund	fund	NOUN
cblr-2965	926	15	,	,	PUNCT
cblr-2965	926	16	so	so	ADV
cblr-2965	926	17	additional	additional	ADJ
cblr-2965	926	18	marketing	marketing	NOUN
cblr-2965	926	19	might	might	AUX
cblr-2965	926	20	offset	offset	VERB
cblr-2965	926	21	investor	investor	NOUN
cblr-2965	926	22	aversion	aversion	NOUN
cblr-2965	926	23	to	to	ADP
cblr-2965	926	24	loads	load	NOUN
cblr-2965	926	25	.	.	PUNCT
cblr-2965	927	1	indeed	indeed	ADV
cblr-2965	927	2	,	,	PUNCT
cblr-2965	927	3	studies	study	NOUN
cblr-2965	927	4	have	have	AUX
cblr-2965	927	5	come	come	VERB
cblr-2965	927	6	to	to	ADP
cblr-2965	927	7	differing	differ	VERB
cblr-2965	927	8	conclusions	conclusion	NOUN
cblr-2965	927	9	regarding	regard	VERB
cblr-2965	927	10	the	the	DET
cblr-2965	927	11	net	net	ADJ
cblr-2965	927	12	effect	effect	NOUN
cblr-2965	927	13	of	of	ADP
cblr-2965	927	14	loads	load	NOUN
cblr-2965	927	15	on	on	ADP
cblr-2965	927	16	fund	fund	NOUN
cblr-2965	927	17	flow	flow	NOUN
cblr-2965	927	18	.	.	PUNCT
cblr-2965	928	1	a	a	DET
cblr-2965	928	2	study	study	NOUN
cblr-2965	928	3	by	by	ADP
cblr-2965	928	4	sirri	sirri	NOUN
cblr-2965	928	5	and	and	CCONJ
cblr-2965	928	6	tufano	tufano	NOUN
cblr-2965	928	7	of	of	ADP
cblr-2965	928	8	equity	equity	NOUN
cblr-2965	928	9	mutual	mutual	ADJ
cblr-2965	928	10	funds	fund	NOUN
cblr-2965	928	11	from	from	ADP
cblr-2965	928	12	1971	1971	NUM
cblr-2965	928	13	to	to	ADP
cblr-2965	928	14	1990	1990	NUM
cblr-2965	928	15	found	find	VERB
cblr-2965	928	16	no	no	DET
cblr-2965	928	17	relationship	relationship	NOUN
cblr-2965	928	18	between	between	ADP
cblr-2965	928	19	loads	load	NOUN
cblr-2965	928	20	and	and	CCONJ
cblr-2965	928	21	flow	flow	NOUN
cblr-2965	928	22	;	;	PUNCT
cblr-2965	928	23	investors	investor	NOUN
cblr-2965	928	24	'	'	PART
cblr-2965	928	25	aversion	aversion	NOUN
cblr-2965	928	26	to	to	ADP
cblr-2965	928	27	loads	load	NOUN
cblr-2965	928	28	seems	seem	VERB
cblr-2965	928	29	to	to	PART
cblr-2965	928	30	roughly	roughly	ADV
cblr-2965	928	31	offset	offset	VERB
cblr-2965	928	32	the	the	DET
cblr-2965	928	33	effect	effect	NOUN
cblr-2965	928	34	of	of	ADP
cblr-2965	928	35	additional	additional	ADJ
cblr-2965	928	36	marketing.220	marketing.220	ADJ
cblr-2965	928	37	a	a	DET
cblr-2965	928	38	more	more	ADV
cblr-2965	928	39	recent	recent	ADJ
cblr-2965	928	40	study	study	NOUN
cblr-2965	928	41	by	by	ADP
cblr-2965	928	42	barber	barber	PROPN
cblr-2965	928	43	,	,	PUNCT
cblr-2965	928	44	odean	odean	ADJ
cblr-2965	928	45	and	and	CCONJ
cblr-2965	928	46	zheng	zheng	PROPN
cblr-2965	928	47	examining	examine	VERB
cblr-2965	928	48	u.s	u.s	PROPN
cblr-2965	928	49	.	.	PROPN
cblr-2965	928	50	equity	equity	NOUN
cblr-2965	928	51	funds	fund	NOUN
cblr-2965	928	52	from	from	ADP
cblr-2965	928	53	1970	1970	NUM
cblr-2965	928	54	to	to	ADP
cblr-2965	928	55	1999	1999	NUM
cblr-2965	928	56	,	,	PUNCT
cblr-2965	928	57	however	however	ADV
cblr-2965	928	58	,	,	PUNCT
cblr-2965	928	59	found	find	VERB
cblr-2965	928	60	a	a	DET
cblr-2965	928	61	negative	negative	ADJ
cblr-2965	928	62	relationship	relationship	NOUN
cblr-2965	928	63	between	between	ADP
cblr-2965	928	64	loads	load	NOUN
cblr-2965	928	65	and	and	CCONJ
cblr-2965	928	66	flow.221	flow.221	NOUN
cblr-2965	928	67	nonetheless	nonetheless	ADV
cblr-2965	928	68	,	,	PUNCT
cblr-2965	928	69	a	a	DET
cblr-2965	928	70	study	study	NOUN
cblr-2965	928	71	by	by	ADP
cblr-2965	928	72	elton	elton	PROPN
cblr-2965	928	73	,	,	PUNCT
cblr-2965	928	74	gruber	gruber	PROPN
cblr-2965	928	75	and	and	CCONJ
cblr-2965	928	76	busse	busse	NOUN
cblr-2965	928	77	of	of	ADP
cblr-2965	928	78	s&p	s&p	PROPN
cblr-2965	928	79	500	500	NUM
cblr-2965	928	80	index	index	NOUN
cblr-2965	928	81	funds	fund	NOUN
cblr-2965	928	82	from	from	ADP
cblr-2965	928	83	1996	1996	NUM
cblr-2965	928	84	to	to	ADP
cblr-2965	928	85	2001	2001	NUM
cblr-2965	928	86	found	find	VERB
cblr-2965	928	87	that	that	SCONJ
cblr-2965	928	88	the	the	DET
cblr-2965	928	89	existence	existence	NOUN
cblr-2965	928	90	of	of	ADP
cblr-2965	928	91	a	a	DET
cblr-2965	928	92	load	load	NOUN
cblr-2965	928	93	has	have	VERB
cblr-2965	928	94	a	a	DET
cblr-2965	928	95	positive	positive	ADJ
cblr-2965	928	96	effect	effect	NOUN
cblr-2965	928	97	on	on	ADP
cblr-2965	928	98	flow.22	flow.22	NOUN
cblr-2965	928	99	2	2	NUM
cblr-2965	928	100	in	in	ADP
cblr-2965	928	101	addition	addition	NOUN
cblr-2965	928	102	,	,	PUNCT
cblr-2965	928	103	another	another	DET
cblr-2965	928	104	recent	recent	ADJ
cblr-2965	928	105	study	study	NOUN
cblr-2965	928	106	by	by	ADP
cblr-2965	928	107	gallaher	gallaher	NOUN
cblr-2965	928	108	,	,	PUNCT
cblr-2965	928	109	kaniel	kaniel	PROPN
cblr-2965	928	110	and	and	CCONJ
cblr-2965	928	111	starks	stark	NOUN
cblr-2965	928	112	found	find	VERB
cblr-2965	928	113	a	a	DET
cblr-2965	928	114	positive	positive	ADJ
cblr-2965	928	115	relationship	relationship	NOUN
cblr-2965	928	116	between	between	ADP
cblr-2965	928	117	the	the	DET
cblr-2965	928	118	presence	presence	NOUN
cblr-2965	928	119	of	of	ADP
cblr-2965	928	120	load	load	NOUN
cblr-2965	928	121	funds	fund	NOUN
cblr-2965	928	122	in	in	ADP
cblr-2965	928	123	a	a	DET
cblr-2965	928	124	fund	fund	NOUN
cblr-2965	928	125	family	family	NOUN
cblr-2965	928	126	and	and	CCONJ
cblr-2965	928	127	fund	fund	NOUN
cblr-2965	928	128	flows	flow	NOUN
cblr-2965	928	129	into	into	ADP
cblr-2965	928	130	that	that	DET
cblr-2965	928	131	family	family	NOUN
cblr-2965	928	132	.	.	PUNCT
cblr-2965	929	1	223	223	NUM
cblr-2965	930	1	that	that	DET
cblr-2965	930	2	study	study	NOUN
cblr-2965	930	3	also	also	ADV
cblr-2965	930	4	found	find	VERB
cblr-2965	930	5	,	,	PUNCT
cblr-2965	930	6	however	however	ADV
cblr-2965	930	7	,	,	PUNCT
cblr-2965	930	8	that	that	DET
cblr-2965	930	9	fund	fund	NOUN
cblr-2965	930	10	flow	flow	NOUN
cblr-2965	930	11	into	into	ADP
cblr-2965	930	12	the	the	DET
cblr-2965	930	13	family	family	NOUN
cblr-2965	930	14	was	be	AUX
cblr-2965	930	15	negatively	negatively	ADV
cblr-2965	930	16	related	relate	VERB
cblr-2965	930	17	to	to	ADP
cblr-2965	930	18	the	the	DET
cblr-2965	930	19	size	size	NOUN
cblr-2965	930	20	of	of	ADP
cblr-2965	930	21	the	the	DET
cblr-2965	930	22	load	load	NOUN
cblr-2965	930	23	.	.	PUNCT
cblr-2965	931	1	22	22	NUM
cblr-2965	932	1	"	"	PUNCT
cblr-2965	932	2	4	4	NUM
cblr-2965	932	3	this	this	PRON
cblr-2965	932	4	may	may	AUX
cblr-2965	932	5	indicate	indicate	VERB
cblr-2965	932	6	that	that	SCONJ
cblr-2965	932	7	any	any	DET
cblr-2965	932	8	size	size	NOUN
cblr-2965	932	9	load	load	NOUN
cblr-2965	932	10	encourages	encourage	VERB
cblr-2965	932	11	brokers	broker	NOUN
cblr-2965	932	12	to	to	PART
cblr-2965	932	13	sell	sell	VERB
cblr-2965	932	14	the	the	DET
cblr-2965	932	15	fund	fund	NOUN
cblr-2965	932	16	-	-	PUNCT
cblr-2965	932	17	which	which	PRON
cblr-2965	932	18	increases	increase	VERB
cblr-2965	932	19	flow	flow	NOUN
cblr-2965	932	20	-	-	PUNCT
cblr-2965	932	21	but	but	CCONJ
cblr-2965	932	22	also	also	ADV
cblr-2965	932	23	that	that	SCONJ
cblr-2965	932	24	investors	investor	NOUN
cblr-2965	932	25	'	'	PART
cblr-2965	932	26	aversion	aversion	NOUN
cblr-2965	932	27	towards	towards	ADP
cblr-2965	932	28	a	a	DET
cblr-2965	932	29	load	load	NOUN
cblr-2965	932	30	increases	increase	NOUN
cblr-2965	932	31	as	as	ADP
cblr-2965	932	32	the	the	DET
cblr-2965	932	33	load	load	NOUN
cblr-2965	932	34	's	's	PART
cblr-2965	932	35	size	size	NOUN
cblr-2965	932	36	increases.225	increases.225	PROPN
cblr-2965	932	37	219	219	NUM
cblr-2965	932	38	wilcox	wilcox	NOUN
cblr-2965	932	39	,	,	PUNCT
cblr-2965	932	40	supra	supra	PROPN
cblr-2965	932	41	note	note	PROPN
cblr-2965	932	42	162	162	NUM
cblr-2965	932	43	,	,	PUNCT
cblr-2965	932	44	at	at	ADP
cblr-2965	932	45	654	654	NUM
cblr-2965	932	46	.	.	PUNCT
cblr-2965	932	47	220	220	NUM
cblr-2965	932	48	sirri	sirri	NOUN
cblr-2965	932	49	&	&	CCONJ
cblr-2965	932	50	tufano	tufano	PROPN
cblr-2965	932	51	,	,	PUNCT
cblr-2965	932	52	supra	supra	PROPN
cblr-2965	932	53	note	note	PROPN
cblr-2965	932	54	182	182	NUM
cblr-2965	932	55	,	,	PUNCT
cblr-2965	932	56	at	at	ADP
cblr-2965	932	57	1612	1612	NUM
cblr-2965	932	58	.	.	PUNCT
cblr-2965	933	1	221	221	NUM
cblr-2965	933	2	barber	barber	NOUN
cblr-2965	933	3	et	et	PROPN
cblr-2965	933	4	al	al	PROPN
cblr-2965	933	5	.	.	PROPN
cblr-2965	933	6	,	,	PUNCT
cblr-2965	933	7	supra	supra	PROPN
cblr-2965	933	8	note	note	VERB
cblr-2965	933	9	180	180	NUM
cblr-2965	933	10	,	,	PUNCT
cblr-2965	933	11	at	at	ADP
cblr-2965	933	12	2107	2107	NUM
cblr-2965	933	13	.	.	PUNCT
cblr-2965	934	1	222	222	NUM
cblr-2965	934	2	elton	elton	PROPN
cblr-2965	934	3	et	et	PROPN
cblr-2965	934	4	al	al	PROPN
cblr-2965	934	5	.	.	PROPN
cblr-2965	934	6	,	,	PUNCT
cblr-2965	934	7	supra	supra	PROPN
cblr-2965	934	8	note	note	PROPN
cblr-2965	934	9	197	197	NUM
cblr-2965	934	10	,	,	PUNCT
cblr-2965	934	11	at	at	ADP
cblr-2965	934	12	280	280	NUM
cblr-2965	934	13	.	.	NOUN
cblr-2965	934	14	223	223	NUM
cblr-2965	934	15	gallaher	gallaher	PROPN
cblr-2965	934	16	et	et	PROPN
cblr-2965	934	17	al	al	PROPN
cblr-2965	934	18	.	.	PROPN
cblr-2965	934	19	,	,	PUNCT
cblr-2965	934	20	supra	supra	PROPN
cblr-2965	934	21	note	note	PROPN
cblr-2965	934	22	183	183	NUM
cblr-2965	934	23	,	,	PUNCT
cblr-2965	934	24	at	at	ADP
cblr-2965	934	25	3	3	NUM
cblr-2965	934	26	.	.	NOUN
cblr-2965	934	27	224	224	NUM
cblr-2965	935	1	i	i	PRON
cblr-2965	935	2	d.	d.	PROPN
cblr-2965	935	3	225	225	NUM
cblr-2965	935	4	i	i	PRON
cblr-2965	935	5	d.	d.	PROPN
cblr-2965	935	6	at	at	ADP
cblr-2965	935	7	14	14	NUM
cblr-2965	935	8	-	-	SYM
cblr-2965	935	9	15	15	NUM
cblr-2965	935	10	.	.	PUNCT
cblr-2965	936	1	no	no	INTJ
cblr-2965	936	2	.	.	PUNCT
cblr-2965	937	1	3:9341	3:9341	NUM
cblr-2965	937	2	mutual	mutual	ADJ
cblr-2965	937	3	fund	fund	NOUN
cblr-2965	937	4	investors	investor	NOUN
cblr-2965	937	5	although	although	SCONJ
cblr-2965	937	6	many	many	ADJ
cblr-2965	937	7	fund	fund	NOUN
cblr-2965	937	8	investors	investor	NOUN
cblr-2965	937	9	are	be	AUX
cblr-2965	937	10	sensitive	sensitive	ADJ
cblr-2965	937	11	to	to	ADP
cblr-2965	937	12	loads	load	NOUN
cblr-2965	937	13	,	,	PUNCT
cblr-2965	937	14	many	many	ADJ
cblr-2965	937	15	other	other	ADJ
cblr-2965	937	16	investors	investor	NOUN
cblr-2965	937	17	clearly	clearly	ADV
cblr-2965	937	18	do	do	AUX
cblr-2965	937	19	not	not	PART
cblr-2965	937	20	pay	pay	VERB
cblr-2965	937	21	attention	attention	NOUN
cblr-2965	937	22	to	to	ADP
cblr-2965	937	23	loads	load	NOUN
cblr-2965	937	24	.	.	PUNCT
cblr-2965	938	1	in	in	ADP
cblr-2965	938	2	capon	capon	NOUN
cblr-2965	938	3	,	,	PUNCT
cblr-2965	938	4	fitzsimons	fitzsimon	NOUN
cblr-2965	938	5	and	and	CCONJ
cblr-2965	938	6	prince	prince	PROPN
cblr-2965	938	7	's	's	PART
cblr-2965	938	8	survey	survey	NOUN
cblr-2965	938	9	of	of	ADP
cblr-2965	938	10	households	household	NOUN
cblr-2965	938	11	that	that	PRON
cblr-2965	938	12	invest	invest	VERB
cblr-2965	938	13	in	in	ADP
cblr-2965	938	14	mutual	mutual	ADJ
cblr-2965	938	15	funds	fund	NOUN
cblr-2965	938	16	,	,	PUNCT
cblr-2965	938	17	39	39	NUM
cblr-2965	938	18	%	%	NOUN
cblr-2965	938	19	of	of	ADP
cblr-2965	938	20	respondents	respondent	NOUN
cblr-2965	938	21	stated	state	VERB
cblr-2965	938	22	that	that	SCONJ
cblr-2965	938	23	they	they	PRON
cblr-2965	938	24	did	do	AUX
cblr-2965	938	25	not	not	PART
cblr-2965	938	26	even	even	ADV
cblr-2965	938	27	know	know	VERB
cblr-2965	938	28	if	if	SCONJ
cblr-2965	938	29	their	their	PRON
cblr-2965	938	30	primary	primary	ADJ
cblr-2965	938	31	fund	fund	NOUN
cblr-2965	938	32	had	have	VERB
cblr-2965	938	33	a	a	DET
cblr-2965	938	34	load.226	load.226	NOUN
cblr-2965	938	35	in	in	ADP
cblr-2965	938	36	addition	addition	NOUN
cblr-2965	938	37	,	,	PUNCT
cblr-2965	938	38	in	in	ADP
cblr-2965	938	39	wilcox	wilcox	PROPN
cblr-2965	938	40	's	's	PART
cblr-2965	938	41	experiment	experiment	NOUN
cblr-2965	938	42	requiring	require	VERB
cblr-2965	938	43	investors	investor	NOUN
cblr-2965	938	44	to	to	PART
cblr-2965	938	45	choose	choose	VERB
cblr-2965	938	46	among	among	ADP
cblr-2965	938	47	hypothetical	hypothetical	ADJ
cblr-2965	938	48	mutual	mutual	ADJ
cblr-2965	938	49	funds	fund	NOUN
cblr-2965	938	50	,	,	PUNCT
cblr-2965	938	51	the	the	DET
cblr-2965	938	52	fund	fund	NOUN
cblr-2965	938	53	's	's	PART
cblr-2965	938	54	load	load	NOUN
cblr-2965	938	55	was	be	AUX
cblr-2965	938	56	only	only	ADV
cblr-2965	938	57	the	the	DET
cblr-2965	938	58	fifth	fifth	ADJ
cblr-2965	938	59	most	most	ADV
cblr-2965	938	60	important	important	ADJ
cblr-2965	938	61	factor	factor	NOUN
cblr-2965	938	62	(	(	PUNCT
cblr-2965	938	63	of	of	ADP
cblr-2965	938	64	six	six	NUM
cblr-2965	938	65	)	)	PUNCT
cblr-2965	938	66	to	to	PART
cblr-2965	938	67	investorsahead	investorsahead	VERB
cblr-2965	938	68	only	only	ADV
cblr-2965	938	69	of	of	ADP
cblr-2965	938	70	the	the	DET
cblr-2965	938	71	fund	fund	NOUN
cblr-2965	938	72	's	's	PART
cblr-2965	938	73	beta	beta	NOUN
cblr-2965	938	74	,	,	PUNCT
cblr-2965	938	75	and	and	CCONJ
cblr-2965	938	76	behind	behind	ADP
cblr-2965	938	77	the	the	DET
cblr-2965	938	78	fund	fund	NOUN
cblr-2965	938	79	's	's	PART
cblr-2965	938	80	return	return	NOUN
cblr-2965	938	81	over	over	ADP
cblr-2965	938	82	the	the	DET
cblr-2965	938	83	past	past	ADJ
cblr-2965	938	84	ten	ten	NUM
cblr-2965	938	85	years	year	NOUN
cblr-2965	938	86	,	,	PUNCT
cblr-2965	938	87	the	the	DET
cblr-2965	938	88	fund	fund	NOUN
cblr-2965	938	89	's	's	PART
cblr-2965	938	90	return	return	NOUN
cblr-2965	938	91	over	over	ADP
cblr-2965	938	92	the	the	DET
cblr-2965	938	93	past	past	ADJ
cblr-2965	938	94	year	year	NOUN
cblr-2965	938	95	,	,	PUNCT
cblr-2965	938	96	the	the	DET
cblr-2965	938	97	fund	fund	NOUN
cblr-2965	938	98	company	company	NOUN
cblr-2965	938	99	's	's	PART
cblr-2965	938	100	name	name	NOUN
cblr-2965	938	101	,	,	PUNCT
cblr-2965	938	102	and	and	CCONJ
cblr-2965	938	103	the	the	DET
cblr-2965	938	104	fund	fund	NOUN
cblr-2965	938	105	's	's	PART
cblr-2965	938	106	management	management	NOUN
cblr-2965	938	107	fee.227	fee.227	NOUN
cblr-2965	938	108	2	2	NUM
cblr-2965	938	109	.	.	PUNCT
cblr-2965	938	110	studies	study	NOUN
cblr-2965	938	111	of	of	ADP
cblr-2965	938	112	12b-1	12b-1	NUM
cblr-2965	938	113	fees	fee	NOUN
cblr-2965	938	114	for	for	ADP
cblr-2965	938	115	fund	fund	NOUN
cblr-2965	938	116	investors	investor	NOUN
cblr-2965	938	117	,	,	PUNCT
cblr-2965	938	118	out	out	ADP
cblr-2965	938	119	of	of	ADP
cblr-2965	938	120	sight	sight	NOUN
cblr-2965	938	121	seems	seem	VERB
cblr-2965	938	122	to	to	PART
cblr-2965	938	123	mean	mean	VERB
cblr-2965	938	124	out	out	ADP
cblr-2965	938	125	of	of	ADP
cblr-2965	938	126	mind	mind	NOUN
cblr-2965	938	127	-	-	PUNCT
cblr-2965	938	128	at	at	ADP
cblr-2965	938	129	least	least	ADJ
cblr-2965	938	130	when	when	SCONJ
cblr-2965	938	131	it	it	PRON
cblr-2965	938	132	comes	come	VERB
cblr-2965	938	133	to	to	ADP
cblr-2965	938	134	marketing	marketing	NOUN
cblr-2965	938	135	expenses	expense	NOUN
cblr-2965	938	136	.	.	PUNCT
cblr-2965	939	1	fund	fund	NOUN
cblr-2965	939	2	investors	investor	NOUN
cblr-2965	939	3	seem	seem	VERB
cblr-2965	939	4	to	to	PART
cblr-2965	939	5	pay	pay	VERB
cblr-2965	939	6	little	little	ADJ
cblr-2965	939	7	attention	attention	NOUN
cblr-2965	939	8	to	to	ADP
cblr-2965	939	9	12b-1	12b-1	NUM
cblr-2965	939	10	fees	fee	NOUN
cblr-2965	939	11	,	,	PUNCT
cblr-2965	939	12	ongoing	ongoing	ADJ
cblr-2965	939	13	marketing	marketing	NOUN
cblr-2965	939	14	fees	fee	NOUN
cblr-2965	939	15	deducted	deduct	VERB
cblr-2965	939	16	over	over	ADP
cblr-2965	939	17	time	time	NOUN
cblr-2965	939	18	from	from	ADP
cblr-2965	939	19	the	the	DET
cblr-2965	939	20	fund	fund	NOUN
cblr-2965	939	21	's	's	PART
cblr-2965	939	22	assets	asset	NOUN
cblr-2965	939	23	.	.	PUNCT
cblr-2965	940	1	like	like	ADP
cblr-2965	940	2	loads	load	NOUN
cblr-2965	940	3	,	,	PUNCT
cblr-2965	940	4	12b-1	12b-1	NUM
cblr-2965	940	5	fees	fee	NOUN
cblr-2965	940	6	are	be	AUX
cblr-2965	940	7	used	use	VERB
cblr-2965	940	8	to	to	PART
cblr-2965	940	9	pay	pay	VERB
cblr-2965	940	10	broker	broker	NOUN
cblr-2965	940	11	commissions	commission	NOUN
cblr-2965	940	12	and	and	CCONJ
cblr-2965	940	13	other	other	ADJ
cblr-2965	940	14	marketing	marketing	NOUN
cblr-2965	940	15	costs	cost	NOUN
cblr-2965	940	16	,	,	PUNCT
cblr-2965	940	17	but	but	CCONJ
cblr-2965	940	18	unlike	unlike	ADP
cblr-2965	940	19	loads	load	NOUN
cblr-2965	940	20	,	,	PUNCT
cblr-2965	940	21	they	they	PRON
cblr-2965	940	22	are	be	AUX
cblr-2965	940	23	not	not	PART
cblr-2965	940	24	one	one	NUM
cblr-2965	940	25	-	-	PUNCT
cblr-2965	940	26	time	time	NOUN
cblr-2965	940	27	fees	fee	NOUN
cblr-2965	940	28	deducted	deduct	VERB
cblr-2965	940	29	directly	directly	ADV
cblr-2965	940	30	from	from	ADP
cblr-2965	940	31	investors	investor	NOUN
cblr-2965	940	32	'	'	PART
cblr-2965	940	33	individual	individual	ADJ
cblr-2965	940	34	accounts	account	NOUN
cblr-2965	940	35	.	.	PUNCT
cblr-2965	941	1	overall	overall	ADV
cblr-2965	941	2	,	,	PUNCT
cblr-2965	941	3	studies	study	NOUN
cblr-2965	941	4	indicate	indicate	VERB
cblr-2965	941	5	that	that	SCONJ
cblr-2965	941	6	investors	investor	NOUN
cblr-2965	941	7	are	be	AUX
cblr-2965	941	8	less	less	ADV
cblr-2965	941	9	averse	averse	ADJ
cblr-2965	941	10	to	to	ADP
cblr-2965	941	11	12b-1	12b-1	NUM
cblr-2965	941	12	fees	fee	NOUN
cblr-2965	941	13	than	than	ADP
cblr-2965	941	14	to	to	ADP
cblr-2965	941	15	loads	load	NOUN
cblr-2965	941	16	.	.	PUNCT
cblr-2965	942	1	barber	barber	NOUN
cblr-2965	942	2	,	,	PUNCT
cblr-2965	942	3	odean	odean	ADJ
cblr-2965	942	4	and	and	CCONJ
cblr-2965	942	5	zheng	zheng	PROPN
cblr-2965	942	6	examined	examine	VERB
cblr-2965	942	7	the	the	DET
cblr-2965	942	8	effect	effect	NOUN
cblr-2965	942	9	of	of	ADP
cblr-2965	942	10	12b-1	12b-1	NUM
cblr-2965	942	11	fees	fee	NOUN
cblr-2965	942	12	on	on	ADP
cblr-2965	942	13	flows	flow	NOUN
cblr-2965	942	14	into	into	ADP
cblr-2965	942	15	diversified	diversified	ADJ
cblr-2965	942	16	u.s	u.s	PROPN
cblr-2965	942	17	.	.	PROPN
cblr-2965	942	18	equity	equity	NOUN
cblr-2965	942	19	mutual	mutual	ADJ
cblr-2965	942	20	funds	fund	NOUN
cblr-2965	942	21	from	from	ADP
cblr-2965	942	22	1993	1993	NUM
cblr-2965	942	23	to	to	ADP
cblr-2965	942	24	1999	1999	NUM
cblr-2965	942	25	.	.	PUNCT
cblr-2965	943	1	unlike	unlike	ADP
cblr-2965	943	2	their	their	PRON
cblr-2965	943	3	findings	finding	NOUN
cblr-2965	943	4	for	for	ADP
cblr-2965	943	5	loads	load	NOUN
cblr-2965	943	6	,	,	PUNCT
cblr-2965	943	7	they	they	PRON
cblr-2965	943	8	found	find	VERB
cblr-2965	943	9	a	a	DET
cblr-2965	943	10	positive	positive	ADJ
cblr-2965	943	11	relationship	relationship	NOUN
cblr-2965	943	12	between	between	ADP
cblr-2965	943	13	12b-1	12b-1	NUM
cblr-2965	943	14	fees	fee	NOUN
cblr-2965	943	15	and	and	CCONJ
cblr-2965	943	16	flows	flow	NOUN
cblr-2965	943	17	,	,	PUNCT
cblr-2965	943	18	indicating	indicate	VERB
cblr-2965	943	19	that	that	SCONJ
cblr-2965	943	20	the	the	DET
cblr-2965	943	21	marketing	marketing	NOUN
cblr-2965	943	22	benefits	benefit	NOUN
cblr-2965	943	23	from	from	ADP
cblr-2965	943	24	using	use	VERB
cblr-2965	943	25	the	the	DET
cblr-2965	943	26	proceeds	proceed	NOUN
cblr-2965	943	27	of	of	ADP
cblr-2965	943	28	12b-1	12b-1	NUM
cblr-2965	943	29	fees	fee	NOUN
cblr-2965	943	30	outweigh	outweigh	VERB
cblr-2965	943	31	investors	investor	NOUN
cblr-2965	943	32	'	'	PART
cblr-2965	943	33	aversion	aversion	NOUN
cblr-2965	943	34	to	to	ADP
cblr-2965	943	35	paying	pay	VERB
cblr-2965	943	36	these	these	DET
cblr-2965	943	37	additional	additional	ADJ
cblr-2965	943	38	fees.228	fees.228	NOUN
cblr-2965	943	39	in	in	ADP
cblr-2965	943	40	addition	addition	NOUN
cblr-2965	943	41	,	,	PUNCT
cblr-2965	943	42	elton	elton	PROPN
cblr-2965	943	43	,	,	PUNCT
cblr-2965	943	44	gruber	gruber	PROPN
cblr-2965	943	45	and	and	CCONJ
cblr-2965	943	46	busse	busse	PROPN
cblr-2965	943	47	found	find	VERB
cblr-2965	943	48	that	that	SCONJ
cblr-2965	943	49	12b-1	12b-1	NUM
cblr-2965	943	50	fees	fee	NOUN
cblr-2965	943	51	did	do	AUX
cblr-2965	943	52	not	not	PART
cblr-2965	943	53	have	have	VERB
cblr-2965	943	54	a	a	DET
cblr-2965	943	55	significant	significant	ADJ
cblr-2965	943	56	net	net	ADJ
cblr-2965	943	57	effect	effect	NOUN
cblr-2965	943	58	on	on	ADP
cblr-2965	943	59	flow	flow	NOUN
cblr-2965	943	60	into	into	ADP
cblr-2965	943	61	s&p	s&p	PROPN
cblr-2965	943	62	500	500	NUM
cblr-2965	943	63	index	index	NOUN
cblr-2965	943	64	funds	fund	NOUN
cblr-2965	943	65	from	from	ADP
cblr-2965	943	66	1996	1996	NUM
cblr-2965	943	67	to	to	ADP
cblr-2965	943	68	2001.229	2001.229	NUM
cblr-2965	943	69	226	226	NUM
cblr-2965	943	70	capon	capon	NOUN
cblr-2965	943	71	et	et	PROPN
cblr-2965	943	72	al	al	PROPN
cblr-2965	943	73	.	.	PROPN
cblr-2965	943	74	,	,	PUNCT
cblr-2965	943	75	supra	supra	PROPN
cblr-2965	943	76	note	note	PROPN
cblr-2965	943	77	147	147	NUM
cblr-2965	943	78	,	,	PUNCT
cblr-2965	943	79	at	at	ADP
cblr-2965	943	80	68	68	NUM
cblr-2965	943	81	.	.	PUNCT
cblr-2965	944	1	227	227	NUM
cblr-2965	944	2	wilcox	wilcox	PROPN
cblr-2965	944	3	,	,	PUNCT
cblr-2965	944	4	supra	supra	PROPN
cblr-2965	944	5	note	note	PROPN
cblr-2965	944	6	162	162	NUM
cblr-2965	944	7	,	,	PUNCT
cblr-2965	944	8	at	at	ADP
cblr-2965	944	9	650	650	NUM
cblr-2965	944	10	.	.	PUNCT
cblr-2965	945	1	228	228	NUM
cblr-2965	945	2	barber	barber	PROPN
cblr-2965	945	3	et	et	PROPN
cblr-2965	945	4	al	al	PROPN
cblr-2965	945	5	.	.	PROPN
cblr-2965	945	6	,	,	PUNCT
cblr-2965	945	7	supra	supra	PROPN
cblr-2965	945	8	note	note	VERB
cblr-2965	945	9	180	180	NUM
cblr-2965	945	10	,	,	PUNCT
cblr-2965	945	11	at	at	ADP
cblr-2965	945	12	2108	2108	NUM
cblr-2965	945	13	.	.	PUNCT
cblr-2965	946	1	22	22	NUM
cblr-2965	946	2	elton	elton	PROPN
cblr-2965	946	3	et	et	PROPN
cblr-2965	946	4	al	al	PROPN
cblr-2965	946	5	.	.	PROPN
cblr-2965	946	6	,	,	PUNCT
cblr-2965	946	7	supra	supra	PROPN
cblr-2965	946	8	note	note	PROPN
cblr-2965	946	9	197	197	NUM
cblr-2965	946	10	,	,	PUNCT
cblr-2965	946	11	at	at	ADP
cblr-2965	946	12	280	280	NUM
cblr-2965	946	13	.	.	PUNCT
cblr-2965	946	14	col	col	PROPN
cblr-2965	946	15	umbia	umbia	PROPN
cblr-2965	947	1	b	b	PROPN
cblr-2965	948	1	usiness	usiness	PROPN
cblr-2965	948	2	la	la	PROPN
cblr-2965	948	3	w	w	PROPN
cblr-2965	948	4	re	re	PROPN
cblr-2965	948	5	vie	vie	PROPN
cblr-2965	948	6	w	w	PROPN
cblr-2965	949	1	[	[	X
cblr-2965	949	2	vol	vol	NOUN
cblr-2965	949	3	.	.	PUNCT
cblr-2965	949	4	2008	2008	NUM
cblr-2965	949	5	3	3	NUM
cblr-2965	949	6	.	.	X
cblr-2965	950	1	summary	summary	NOUN
cblr-2965	950	2	and	and	CCONJ
cblr-2965	950	3	analysis	analysis	NOUN
cblr-2965	950	4	there	there	PRON
cblr-2965	950	5	is	be	VERB
cblr-2965	950	6	evidence	evidence	NOUN
cblr-2965	950	7	that	that	SCONJ
cblr-2965	950	8	investors	investor	NOUN
cblr-2965	950	9	are	be	AUX
cblr-2965	950	10	more	more	ADV
cblr-2965	950	11	sensitive	sensitive	ADJ
cblr-2965	950	12	to	to	ADP
cblr-2965	950	13	loads	load	NOUN
cblr-2965	950	14	than	than	ADP
cblr-2965	950	15	to	to	ADP
cblr-2965	950	16	other	other	ADJ
cblr-2965	950	17	fund	fund	NOUN
cblr-2965	950	18	costs	cost	NOUN
cblr-2965	950	19	,	,	PUNCT
cblr-2965	950	20	although	although	SCONJ
cblr-2965	950	21	the	the	DET
cblr-2965	950	22	effect	effect	NOUN
cblr-2965	950	23	of	of	ADP
cblr-2965	950	24	this	this	DET
cblr-2965	950	25	greater	great	ADJ
cblr-2965	950	26	sensitivity	sensitivity	NOUN
cblr-2965	950	27	may	may	AUX
cblr-2965	950	28	be	be	AUX
cblr-2965	950	29	offset	offset	VERB
cblr-2965	950	30	somewhat	somewhat	ADV
cblr-2965	950	31	by	by	ADP
cblr-2965	950	32	funds	fund	NOUN
cblr-2965	950	33	'	'	PART
cblr-2965	950	34	use	use	NOUN
cblr-2965	950	35	of	of	ADP
cblr-2965	950	36	load	load	NOUN
cblr-2965	950	37	proceeds	proceed	NOUN
cblr-2965	950	38	to	to	AUX
cblr-2965	950	39	market	market	VERB
cblr-2965	950	40	themselves	themselves	PRON
cblr-2965	950	41	.	.	PUNCT
cblr-2965	951	1	why	why	SCONJ
cblr-2965	951	2	might	might	AUX
cblr-2965	951	3	investors	investor	NOUN
cblr-2965	951	4	be	be	AUX
cblr-2965	951	5	more	more	ADV
cblr-2965	951	6	sensitive	sensitive	ADJ
cblr-2965	951	7	to	to	ADP
cblr-2965	951	8	loads	load	NOUN
cblr-2965	951	9	than	than	ADP
cblr-2965	951	10	to	to	ADP
cblr-2965	951	11	other	other	ADJ
cblr-2965	951	12	costs	cost	NOUN
cblr-2965	951	13	?	?	PUNCT
cblr-2965	952	1	investors	investor	NOUN
cblr-2965	952	2	might	might	AUX
cblr-2965	952	3	be	be	AUX
cblr-2965	952	4	listening	listen	VERB
cblr-2965	952	5	to	to	ADP
cblr-2965	952	6	much	much	ADJ
cblr-2965	952	7	of	of	ADP
cblr-2965	952	8	the	the	DET
cblr-2965	952	9	popular	popular	ADJ
cblr-2965	952	10	financial	financial	ADJ
cblr-2965	952	11	media	medium	NOUN
cblr-2965	952	12	,	,	PUNCT
cblr-2965	952	13	which	which	PRON
cblr-2965	952	14	has	have	AUX
cblr-2965	952	15	been	be	AUX
cblr-2965	952	16	encouraging	encourage	VERB
cblr-2965	952	17	them	they	PRON
cblr-2965	952	18	to	to	PART
cblr-2965	952	19	avoid	avoid	VERB
cblr-2965	952	20	funds	fund	NOUN
cblr-2965	952	21	with	with	ADP
cblr-2965	952	22	loads.23	loads.23	PROPN
cblr-2965	952	23	°	°	PROPN
cblr-2965	952	24	in	in	ADP
cblr-2965	952	25	fact	fact	NOUN
cblr-2965	952	26	,	,	PUNCT
cblr-2965	952	27	experienced	experienced	ADJ
cblr-2965	952	28	investors	investor	NOUN
cblr-2965	952	29	are	be	AUX
cblr-2965	952	30	less	less	ADV
cblr-2965	952	31	likely	likely	ADJ
cblr-2965	952	32	to	to	PART
cblr-2965	952	33	buy	buy	VERB
cblr-2965	952	34	load	load	NOUN
cblr-2965	952	35	funds	fund	NOUN
cblr-2965	952	36	than	than	SCONJ
cblr-2965	952	37	are	be	AUX
cblr-2965	952	38	other	other	ADJ
cblr-2965	952	39	investors	investor	NOUN
cblr-2965	952	40	,	,	PUNCT
cblr-2965	952	41	providing	provide	VERB
cblr-2965	952	42	support	support	NOUN
cblr-2965	952	43	for	for	ADP
cblr-2965	952	44	this	this	DET
cblr-2965	952	45	hypothesis.231	hypothesis.231	PROPN
cblr-2965	952	46	however	however	ADV
cblr-2965	952	47	,	,	PUNCT
cblr-2965	952	48	the	the	DET
cblr-2965	952	49	financial	financial	ADJ
cblr-2965	952	50	media	medium	NOUN
cblr-2965	952	51	likely	likely	ADV
cblr-2965	952	52	does	do	AUX
cblr-2965	952	53	not	not	PART
cblr-2965	952	54	deserve	deserve	VERB
cblr-2965	952	55	complete	complete	ADJ
cblr-2965	952	56	credit	credit	NOUN
cblr-2965	952	57	for	for	ADP
cblr-2965	952	58	experienced	experienced	ADJ
cblr-2965	952	59	investors	investor	NOUN
cblr-2965	952	60	'	'	PART
cblr-2965	952	61	aversion	aversion	NOUN
cblr-2965	952	62	to	to	ADP
cblr-2965	952	63	loads	load	NOUN
cblr-2965	952	64	.	.	PUNCT
cblr-2965	953	1	much	much	ADJ
cblr-2965	953	2	of	of	ADP
cblr-2965	953	3	the	the	DET
cblr-2965	953	4	financial	financial	ADJ
cblr-2965	953	5	media	medium	NOUN
cblr-2965	953	6	has	have	AUX
cblr-2965	953	7	also	also	ADV
cblr-2965	953	8	been	be	AUX
cblr-2965	953	9	emphasizing	emphasize	VERB
cblr-2965	953	10	the	the	DET
cblr-2965	953	11	benefits	benefit	NOUN
cblr-2965	953	12	of	of	ADP
cblr-2965	953	13	lower	low	ADJ
cblr-2965	953	14	-	-	PUNCT
cblr-2965	953	15	expense	expense	NOUN
cblr-2965	953	16	funds,232	funds,232	NOUN
cblr-2965	954	1	yet	yet	CCONJ
cblr-2965	954	2	more	more	ADV
cblr-2965	954	3	experienced	experienced	ADJ
cblr-2965	954	4	fund	fund	NOUN
cblr-2965	954	5	investors	investor	NOUN
cblr-2965	954	6	are	be	AUX
cblr-2965	954	7	not	not	PART
cblr-2965	954	8	more	more	ADV
cblr-2965	954	9	likely	likely	ADJ
cblr-2965	954	10	than	than	SCONJ
cblr-2965	954	11	other	other	ADJ
cblr-2965	954	12	investors	investor	NOUN
cblr-2965	954	13	to	to	PART
cblr-2965	954	14	buy	buy	VERB
cblr-2965	954	15	lower	low	ADJ
cblr-2965	954	16	-	-	PUNCT
cblr-2965	954	17	expense	expense	NOUN
cblr-2965	954	18	funds.233	funds.233	NOUN
cblr-2965	954	19	a	a	DET
cblr-2965	954	20	more	more	ADV
cblr-2965	954	21	instructive	instructive	ADJ
cblr-2965	954	22	explanation	explanation	NOUN
cblr-2965	954	23	may	may	AUX
cblr-2965	954	24	be	be	AUX
cblr-2965	954	25	that	that	SCONJ
cblr-2965	954	26	loads	load	NOUN
cblr-2965	954	27	are	be	AUX
cblr-2965	954	28	larger	large	ADJ
cblr-2965	954	29	and	and	CCONJ
cblr-2965	954	30	more	more	ADJ
cblr-2965	954	31	salient	salient	NOUN
cblr-2965	954	32	than	than	ADP
cblr-2965	954	33	operating	operate	VERB
cblr-2965	954	34	expenses	expense	NOUN
cblr-2965	954	35	,	,	PUNCT
cblr-2965	954	36	which	which	PRON
cblr-2965	954	37	are	be	AUX
cblr-2965	954	38	"	"	PUNCT
cblr-2965	954	39	smaller	small	ADJ
cblr-2965	954	40	ongoing	ongoing	ADJ
cblr-2965	954	41	fees	fee	NOUN
cblr-2965	954	42	that	that	PRON
cblr-2965	954	43	are	be	AUX
cblr-2965	954	44	easily	easily	ADV
cblr-2965	954	45	masked	mask	VERB
cblr-2965	954	46	by	by	ADP
cblr-2965	954	47	the	the	DET
cblr-2965	954	48	volatility	volatility	NOUN
cblr-2965	954	49	of	of	ADP
cblr-2965	954	50	equity	equity	NOUN
cblr-2965	954	51	returns	return	NOUN
cblr-2965	954	52	.	.	PUNCT
cblr-2965	955	1	"234	"234	PROPN
cblr-2965	955	2	when	when	SCONJ
cblr-2965	955	3	an	an	DET
cblr-2965	955	4	investor	investor	NOUN
cblr-2965	955	5	buys	buy	VERB
cblr-2965	955	6	a	a	DET
cblr-2965	955	7	fund	fund	NOUN
cblr-2965	955	8	with	with	ADP
cblr-2965	955	9	a	a	DET
cblr-2965	955	10	front	front	ADJ
cblr-2965	955	11	-	-	PUNCT
cblr-2965	955	12	end	end	NOUN
cblr-2965	955	13	load	load	NOUN
cblr-2965	955	14	,	,	PUNCT
cblr-2965	955	15	the	the	DET
cblr-2965	955	16	investor	investor	NOUN
cblr-2965	955	17	sees	see	VERB
cblr-2965	955	18	the	the	DET
cblr-2965	955	19	effect	effect	NOUN
cblr-2965	955	20	of	of	ADP
cblr-2965	955	21	the	the	DET
cblr-2965	955	22	load	load	NOUN
cblr-2965	955	23	quickly	quickly	ADV
cblr-2965	955	24	and	and	CCONJ
cblr-2965	955	25	vividly	vividly	ADV
cblr-2965	955	26	.	.	PUNCT
cblr-2965	956	1	the	the	DET
cblr-2965	956	2	investor	investor	NOUN
cblr-2965	956	3	's	's	PART
cblr-2965	956	4	initial	initial	ADJ
cblr-2965	956	5	account	account	NOUN
cblr-2965	956	6	statement	statement	NOUN
cblr-2965	956	7	will	will	AUX
cblr-2965	956	8	show	show	VERB
cblr-2965	956	9	less	less	ADJ
cblr-2965	956	10	money	money	NOUN
cblr-2965	956	11	than	than	ADP
cblr-2965	956	12	the	the	DET
cblr-2965	956	13	investor	investor	NOUN
cblr-2965	956	14	sent	send	VERB
cblr-2965	956	15	to	to	ADP
cblr-2965	956	16	the	the	DET
cblr-2965	956	17	fund	fund	NOUN
cblr-2965	956	18	company	company	NOUN
cblr-2965	956	19	.	.	PUNCT
cblr-2965	957	1	on	on	ADP
cblr-2965	957	2	the	the	DET
cblr-2965	957	3	other	other	ADJ
cblr-2965	957	4	hand	hand	NOUN
cblr-2965	957	5	,	,	PUNCT
cblr-2965	957	6	the	the	DET
cblr-2965	957	7	investor	investor	NOUN
cblr-2965	957	8	never	never	ADV
cblr-2965	957	9	directly	directly	ADV
cblr-2965	957	10	sees	see	VERB
cblr-2965	957	11	the	the	DET
cblr-2965	957	12	effect	effect	NOUN
cblr-2965	957	13	of	of	ADP
cblr-2965	957	14	fund	fund	NOUN
cblr-2965	957	15	operating	operating	NOUN
cblr-2965	957	16	expenses	expense	NOUN
cblr-2965	957	17	;	;	PUNCT
cblr-2965	957	18	instead	instead	ADV
cblr-2965	957	19	,	,	PUNCT
cblr-2965	957	20	the	the	DET
cblr-2965	957	21	effect	effect	NOUN
cblr-2965	957	22	appears	appear	VERB
cblr-2965	957	23	only	only	ADV
cblr-2965	957	24	230	230	NUM
cblr-2965	957	25	see	see	NOUN
cblr-2965	957	26	,	,	PUNCT
cblr-2965	957	27	e.g.	e.g.	ADV
cblr-2965	957	28	,	,	PUNCT
cblr-2965	957	29	george	george	PROPN
cblr-2965	957	30	mannes	manne	NOUN
cblr-2965	957	31	,	,	PUNCT
cblr-2965	957	32	the	the	DET
cblr-2965	957	33	answer	answer	NOUN
cblr-2965	957	34	guy	guy	NOUN
cblr-2965	957	35	,	,	PUNCT
cblr-2965	957	36	money	money	NOUN
cblr-2965	957	37	,	,	PUNCT
cblr-2965	957	38	feb	feb	PROPN
cblr-2965	957	39	.	.	PROPN
cblr-2965	957	40	2007	2007	NUM
cblr-2965	957	41	,	,	PUNCT
cblr-2965	957	42	at	at	ADP
cblr-2965	957	43	56	56	NUM
cblr-2965	957	44	.	.	SYM
cblr-2965	957	45	231	231	NUM
cblr-2965	957	46	barber	barber	PROPN
cblr-2965	957	47	et	et	PROPN
cblr-2965	957	48	al	al	PROPN
cblr-2965	957	49	.	.	PROPN
cblr-2965	957	50	,	,	PUNCT
cblr-2965	957	51	supra	supra	PROPN
cblr-2965	957	52	note	note	VERB
cblr-2965	957	53	180	180	NUM
cblr-2965	957	54	,	,	PUNCT
cblr-2965	957	55	at	at	ADP
cblr-2965	957	56	2113	2113	NUM
cblr-2965	957	57	.	.	PUNCT
cblr-2965	958	1	232	232	NUM
cblr-2965	958	2	see	see	VERB
cblr-2965	958	3	,	,	PUNCT
cblr-2965	958	4	e.g.	e.g.	ADV
cblr-2965	958	5	,	,	PUNCT
cblr-2965	958	6	asa	asa	PROPN
cblr-2965	958	7	fitch	fitch	PROPN
cblr-2965	958	8	,	,	PUNCT
cblr-2965	958	9	amanda	amanda	NOUN
cblr-2965	958	10	gengler	gengler	NOUN
cblr-2965	958	11	,	,	PUNCT
cblr-2965	958	12	josh	josh	PROPN
cblr-2965	958	13	hyatt	hyatt	PROPN
cblr-2965	958	14	&	&	CCONJ
cblr-2965	958	15	ismat	ismat	PROPN
cblr-2965	958	16	sarah	sarah	PROPN
cblr-2965	958	17	mangla	mangla	PROPN
cblr-2965	958	18	,	,	PUNCT
cblr-2965	958	19	35	35	NUM
cblr-2965	958	20	minutes	minute	NOUN
cblr-2965	958	21	to	to	ADP
cblr-2965	958	22	riches	rich	NOUN
cblr-2965	958	23	,	,	PUNCT
cblr-2965	958	24	money	money	NOUN
cblr-2965	958	25	,	,	PUNCT
cblr-2965	958	26	oct	oct	PROPN
cblr-2965	958	27	.	.	PROPN
cblr-2965	958	28	2007	2007	NUM
cblr-2965	958	29	,	,	PUNCT
cblr-2965	958	30	at	at	ADP
cblr-2965	958	31	80	80	NUM
cblr-2965	958	32	(	(	PUNCT
cblr-2965	958	33	presenting	present	VERB
cblr-2965	958	34	a	a	DET
cblr-2965	958	35	table	table	NOUN
cblr-2965	958	36	entitled	entitle	VERB
cblr-2965	958	37	"	"	PUNCT
cblr-2965	958	38	how	how	SCONJ
cblr-2965	958	39	the	the	DET
cblr-2965	958	40	stingy	stingy	NOUN
cblr-2965	958	41	get	get	VERB
cblr-2965	958	42	rich	rich	ADJ
cblr-2965	958	43	,	,	PUNCT
cblr-2965	958	44	"	"	PUNCT
cblr-2965	958	45	showing	show	VERB
cblr-2965	958	46	that	that	SCONJ
cblr-2965	958	47	a	a	DET
cblr-2965	958	48	low	low	ADJ
cblr-2965	958	49	expense	expense	NOUN
cblr-2965	958	50	stock	stock	NOUN
cblr-2965	958	51	fund	fund	NOUN
cblr-2965	958	52	(	(	PUNCT
cblr-2965	958	53	0.2	0.2	NUM
cblr-2965	958	54	%	%	NOUN
cblr-2965	958	55	annual	annual	ADJ
cblr-2965	958	56	expenses	expense	NOUN
cblr-2965	958	57	)	)	PUNCT
cblr-2965	958	58	will	will	AUX
cblr-2965	958	59	save	save	VERB
cblr-2965	958	60	an	an	DET
cblr-2965	958	61	investor	investor	NOUN
cblr-2965	958	62	$	$	SYM
cblr-2965	958	63	10,329	10,329	NUM
cblr-2965	958	64	in	in	ADP
cblr-2965	958	65	expenses	expense	NOUN
cblr-2965	958	66	on	on	ADP
cblr-2965	958	67	a	a	DET
cblr-2965	958	68	$	$	SYM
cblr-2965	958	69	10,000	10,000	NUM
cblr-2965	958	70	investment	investment	NOUN
cblr-2965	958	71	over	over	ADP
cblr-2965	958	72	twenty	twenty	NUM
cblr-2965	958	73	years	year	NOUN
cblr-2965	958	74	compared	compare	VERB
cblr-2965	958	75	to	to	ADP
cblr-2965	958	76	a	a	DET
cblr-2965	958	77	high	high	ADJ
cblr-2965	958	78	expense	expense	NOUN
cblr-2965	958	79	stock	stock	NOUN
cblr-2965	958	80	fund	fund	NOUN
cblr-2965	958	81	(	(	PUNCT
cblr-2965	958	82	1.5	1.5	NUM
cblr-2965	958	83	%	%	NOUN
cblr-2965	958	84	annual	annual	ADJ
cblr-2965	958	85	expenses	expense	NOUN
cblr-2965	958	86	)	)	PUNCT
cblr-2965	958	87	)	)	PUNCT
cblr-2965	958	88	.	.	PUNCT
cblr-2965	959	1	233	233	NUM
cblr-2965	959	2	barber	barber	NOUN
cblr-2965	959	3	et	et	PROPN
cblr-2965	959	4	al	al	PROPN
cblr-2965	959	5	.	.	PROPN
cblr-2965	959	6	,	,	PUNCT
cblr-2965	959	7	supra	supra	PROPN
cblr-2965	959	8	note	note	VERB
cblr-2965	959	9	180	180	NUM
cblr-2965	959	10	,	,	PUNCT
cblr-2965	959	11	at	at	ADP
cblr-2965	959	12	2113	2113	NUM
cblr-2965	959	13	.	.	PUNCT
cblr-2965	960	1	see	see	VERB
cblr-2965	960	2	also	also	ADV
cblr-2965	960	3	miller	miller	PROPN
cblr-2965	960	4	&	&	CCONJ
cblr-2965	960	5	weber	weber	PROPN
cblr-2965	960	6	,	,	PUNCT
cblr-2965	960	7	supra	supra	PROPN
cblr-2965	960	8	note	note	PROPN
cblr-2965	960	9	175	175	NUM
cblr-2965	960	10	,	,	PUNCT
cblr-2965	960	11	at	at	ADP
cblr-2965	960	12	4	4	NUM
cblr-2965	960	13	(	(	PUNCT
cblr-2965	960	14	describing	describe	VERB
cblr-2965	960	15	a	a	DET
cblr-2965	960	16	recent	recent	ADJ
cblr-2965	960	17	survey	survey	NOUN
cblr-2965	960	18	of	of	ADP
cblr-2965	960	19	german	german	ADJ
cblr-2965	960	20	mutual	mutual	ADJ
cblr-2965	960	21	fund	fund	NOUN
cblr-2965	960	22	investors	investor	NOUN
cblr-2965	960	23	which	which	PRON
cblr-2965	960	24	found	find	VERB
cblr-2965	960	25	that	that	SCONJ
cblr-2965	960	26	more	more	ADV
cblr-2965	960	27	financially	financially	ADV
cblr-2965	960	28	sophisticated	sophisticated	ADJ
cblr-2965	960	29	investors	investor	NOUN
cblr-2965	960	30	are	be	AUX
cblr-2965	960	31	more	more	ADV
cblr-2965	960	32	likely	likely	ADJ
cblr-2965	960	33	buy	buy	VERB
cblr-2965	960	34	funds	fund	NOUN
cblr-2965	960	35	with	with	ADP
cblr-2965	960	36	lower	low	ADJ
cblr-2965	960	37	loads	load	NOUN
cblr-2965	960	38	,	,	PUNCT
cblr-2965	960	39	but	but	CCONJ
cblr-2965	960	40	not	not	PART
cblr-2965	960	41	lower	low	ADJ
cblr-2965	960	42	management	management	NOUN
cblr-2965	960	43	fees	fee	NOUN
cblr-2965	960	44	,	,	PUNCT
cblr-2965	960	45	than	than	SCONJ
cblr-2965	960	46	are	be	AUX
cblr-2965	960	47	less	less	ADV
cblr-2965	960	48	sophisticated	sophisticated	ADJ
cblr-2965	960	49	investors	investor	NOUN
cblr-2965	960	50	)	)	PUNCT
cblr-2965	960	51	.	.	PUNCT
cblr-2965	961	1	234	234	NUM
cblr-2965	961	2	barber	barber	PROPN
cblr-2965	961	3	et	et	PROPN
cblr-2965	961	4	al	al	PROPN
cblr-2965	961	5	.	.	PROPN
cblr-2965	961	6	,	,	PUNCT
cblr-2965	961	7	supra	supra	PROPN
cblr-2965	961	8	note	note	VERB
cblr-2965	961	9	180	180	NUM
cblr-2965	961	10	,	,	PUNCT
cblr-2965	961	11	at	at	ADP
cblr-2965	961	12	2097	2097	NUM
cblr-2965	961	13	.	.	PUNCT
cblr-2965	962	1	no	no	INTJ
cblr-2965	962	2	.	.	PUNCT
cblr-2965	963	1	3:9341	3:9341	NUM
cblr-2965	963	2	mutual	mutual	ADJ
cblr-2965	963	3	fund	fund	NOUN
cblr-2965	963	4	investors	investor	NOUN
cblr-2965	963	5	993	993	NUM
cblr-2965	963	6	in	in	ADP
cblr-2965	963	7	the	the	DET
cblr-2965	963	8	form	form	NOUN
cblr-2965	963	9	of	of	ADP
cblr-2965	963	10	reduced	reduce	VERB
cblr-2965	963	11	returns	return	NOUN
cblr-2965	963	12	over	over	ADP
cblr-2965	963	13	time	time	NOUN
cblr-2965	963	14	.	.	PUNCT
cblr-2965	964	1	as	as	ADP
cblr-2965	964	2	a	a	DET
cblr-2965	964	3	result	result	NOUN
cblr-2965	964	4	,	,	PUNCT
cblr-2965	964	5	investors	investor	NOUN
cblr-2965	964	6	may	may	AUX
cblr-2965	964	7	underestimate	underestimate	VERB
cblr-2965	964	8	the	the	DET
cblr-2965	964	9	effect	effect	NOUN
cblr-2965	964	10	of	of	ADP
cblr-2965	964	11	operating	operating	NOUN
cblr-2965	964	12	expenses	expense	NOUN
cblr-2965	964	13	relative	relative	ADJ
cblr-2965	964	14	to	to	ADP
cblr-2965	964	15	loads	load	NOUN
cblr-2965	964	16	.	.	PUNCT
cblr-2965	965	1	this	this	DET
cblr-2965	965	2	type	type	NOUN
cblr-2965	965	3	of	of	ADP
cblr-2965	965	4	behavior	behavior	NOUN
cblr-2965	965	5	is	be	AUX
cblr-2965	965	6	analogous	analogous	ADJ
cblr-2965	965	7	to	to	ADP
cblr-2965	965	8	people	people	NOUN
cblr-2965	965	9	overemphasizing	overemphasize	VERB
cblr-2965	965	10	initial	initial	ADJ
cblr-2965	965	11	product	product	NOUN
cblr-2965	965	12	costs	cost	NOUN
cblr-2965	965	13	versus	versus	ADP
cblr-2965	965	14	later	later	ADV
cblr-2965	965	15	,	,	PUNCT
cblr-2965	965	16	ongoing	ongoing	ADJ
cblr-2965	965	17	costs	cost	NOUN
cblr-2965	965	18	.	.	PUNCT
cblr-2965	966	1	for	for	ADP
cblr-2965	966	2	example	example	NOUN
cblr-2965	966	3	,	,	PUNCT
cblr-2965	966	4	many	many	ADJ
cblr-2965	966	5	people	people	NOUN
cblr-2965	966	6	choosing	choose	VERB
cblr-2965	966	7	printers	printer	NOUN
cblr-2965	966	8	are	be	AUX
cblr-2965	966	9	influenced	influence	VERB
cblr-2965	966	10	more	more	ADV
cblr-2965	966	11	by	by	ADP
cblr-2965	966	12	the	the	DET
cblr-2965	966	13	initial	initial	ADJ
cblr-2965	966	14	cost	cost	NOUN
cblr-2965	966	15	of	of	ADP
cblr-2965	966	16	the	the	DET
cblr-2965	966	17	printer	printer	NOUN
cblr-2965	966	18	than	than	ADP
cblr-2965	966	19	by	by	ADP
cblr-2965	966	20	the	the	DET
cblr-2965	966	21	even	even	ADV
cblr-2965	966	22	greater	great	ADJ
cblr-2965	966	23	cost	cost	NOUN
cblr-2965	966	24	,	,	PUNCT
cblr-2965	966	25	over	over	ADP
cblr-2965	966	26	time	time	NOUN
cblr-2965	966	27	,	,	PUNCT
cblr-2965	966	28	of	of	ADP
cblr-2965	966	29	the	the	DET
cblr-2965	966	30	type	type	NOUN
cblr-2965	966	31	of	of	ADP
cblr-2965	966	32	ink	ink	NOUN
cblr-2965	966	33	the	the	DET
cblr-2965	966	34	printer	printer	NOUN
cblr-2965	966	35	requires.235	requires.235	VERB
cblr-2965	966	36	this	this	DET
cblr-2965	966	37	explanation	explanation	NOUN
cblr-2965	966	38	also	also	ADV
cblr-2965	966	39	finds	find	VERB
cblr-2965	966	40	support	support	NOUN
cblr-2965	966	41	in	in	ADP
cblr-2965	966	42	fund	fund	NOUN
cblr-2965	966	43	investors	investor	NOUN
cblr-2965	966	44	'	'	PART
cblr-2965	966	45	lower	low	ADJ
cblr-2965	966	46	aversion	aversion	NOUN
cblr-2965	966	47	to	to	ADP
cblr-2965	966	48	12b-1	12b-1	NUM
cblr-2965	966	49	fees	fee	NOUN
cblr-2965	966	50	than	than	ADP
cblr-2965	966	51	to	to	ADP
cblr-2965	966	52	loads	load	NOUN
cblr-2965	966	53	.	.	PUNCT
cblr-2965	967	1	like	like	ADP
cblr-2965	967	2	operating	operating	NOUN
cblr-2965	967	3	expenses	expense	NOUN
cblr-2965	967	4	,	,	PUNCT
cblr-2965	967	5	12b-1	12b-1	NUM
cblr-2965	967	6	fees	fee	NOUN
cblr-2965	967	7	are	be	AUX
cblr-2965	967	8	smaller	small	ADJ
cblr-2965	967	9	,	,	PUNCT
cblr-2965	967	10	ongoing	ongoing	ADJ
cblr-2965	967	11	charges	charge	NOUN
cblr-2965	967	12	deducted	deduct	VERB
cblr-2965	967	13	from	from	ADP
cblr-2965	967	14	fund	fund	NOUN
cblr-2965	967	15	assets	asset	NOUN
cblr-2965	967	16	rather	rather	ADV
cblr-2965	967	17	than	than	ADP
cblr-2965	967	18	directly	directly	ADV
cblr-2965	967	19	from	from	ADP
cblr-2965	967	20	investors	investor	NOUN
cblr-2965	967	21	'	'	PART
cblr-2965	967	22	accounts	account	NOUN
cblr-2965	967	23	.	.	PUNCT
cblr-2965	968	1	it	it	PRON
cblr-2965	968	2	seems	seem	VERB
cblr-2965	968	3	that	that	SCONJ
cblr-2965	968	4	fund	fund	NOUN
cblr-2965	968	5	investors	investor	NOUN
cblr-2965	968	6	notice	notice	VERB
cblr-2965	968	7	more	more	ADV
cblr-2965	968	8	when	when	SCONJ
cblr-2965	968	9	they	they	PRON
cblr-2965	968	10	are	be	AUX
cblr-2965	968	11	struck	strike	VERB
cblr-2965	968	12	by	by	ADP
cblr-2965	968	13	a	a	DET
cblr-2965	968	14	club	club	NOUN
cblr-2965	968	15	than	than	ADP
cblr-2965	968	16	when	when	SCONJ
cblr-2965	968	17	they	they	PRON
cblr-2965	968	18	are	be	AUX
cblr-2965	968	19	slowly	slowly	ADV
cblr-2965	968	20	bled	bleed	VERB
cblr-2965	968	21	to	to	ADP
cblr-2965	968	22	death	death	NOUN
cblr-2965	968	23	.	.	PUNCT
cblr-2965	969	1	e.	e.	PROPN
cblr-2965	969	2	investors	investors	PROPN
cblr-2965	969	3	chase	chase	VERB
cblr-2965	969	4	past	past	ADJ
cblr-2965	969	5	returns	return	NOUN
cblr-2965	969	6	although	although	SCONJ
cblr-2965	969	7	mutual	mutual	ADJ
cblr-2965	969	8	fund	fund	NOUN
cblr-2965	969	9	investors	investor	NOUN
cblr-2965	969	10	pay	pay	VERB
cblr-2965	969	11	insufficient	insufficient	ADJ
cblr-2965	969	12	attention	attention	NOUN
cblr-2965	969	13	to	to	ADP
cblr-2965	969	14	a	a	DET
cblr-2965	969	15	fund	fund	NOUN
cblr-2965	969	16	's	's	PART
cblr-2965	969	17	risk	risk	NOUN
cblr-2965	969	18	and	and	CCONJ
cblr-2965	969	19	operating	operating	NOUN
cblr-2965	969	20	expenses	expense	NOUN
cblr-2965	969	21	,	,	PUNCT
cblr-2965	969	22	they	they	PRON
cblr-2965	969	23	pay	pay	VERB
cblr-2965	969	24	great	great	ADJ
cblr-2965	969	25	attention	attention	NOUN
cblr-2965	969	26	to	to	ADP
cblr-2965	969	27	a	a	DET
cblr-2965	969	28	fund	fund	NOUN
cblr-2965	969	29	's	's	PART
cblr-2965	969	30	historical	historical	ADJ
cblr-2965	969	31	returns	return	NOUN
cblr-2965	969	32	.	.	PUNCT
cblr-2965	970	1	surveys	survey	NOUN
cblr-2965	970	2	of	of	ADP
cblr-2965	970	3	investors	investor	NOUN
cblr-2965	970	4	and	and	CCONJ
cblr-2965	970	5	studies	study	NOUN
cblr-2965	970	6	of	of	ADP
cblr-2965	970	7	their	their	PRON
cblr-2965	970	8	actual	actual	ADJ
cblr-2965	970	9	behavior	behavior	NOUN
cblr-2965	970	10	find	find	VERB
cblr-2965	970	11	that	that	SCONJ
cblr-2965	970	12	this	this	PRON
cblr-2965	970	13	may	may	AUX
cblr-2965	970	14	be	be	AUX
cblr-2965	970	15	the	the	DET
cblr-2965	970	16	most	most	ADV
cblr-2965	970	17	prominent	prominent	ADJ
cblr-2965	970	18	component	component	NOUN
cblr-2965	970	19	of	of	ADP
cblr-2965	970	20	the	the	DET
cblr-2965	970	21	typical	typical	ADJ
cblr-2965	970	22	fund	fund	NOUN
cblr-2965	970	23	investor	investor	NOUN
cblr-2965	970	24	's	's	PART
cblr-2965	970	25	profile	profile	NOUN
cblr-2965	970	26	.	.	PUNCT
cblr-2965	971	1	1	1	X
cblr-2965	971	2	.	.	X
cblr-2965	971	3	investor	investor	NOUN
cblr-2965	971	4	surveys	survey	NOUN
cblr-2965	971	5	and	and	CCONJ
cblr-2965	971	6	experiments	experiment	NOUN
cblr-2965	971	7	surveys	survey	NOUN
cblr-2965	971	8	and	and	CCONJ
cblr-2965	971	9	experiments	experiment	NOUN
cblr-2965	971	10	gauging	gauge	VERB
cblr-2965	971	11	investor	investor	NOUN
cblr-2965	971	12	views	view	NOUN
cblr-2965	971	13	uniformly	uniformly	ADV
cblr-2965	971	14	identify	identify	VERB
cblr-2965	971	15	the	the	DET
cblr-2965	971	16	importance	importance	NOUN
cblr-2965	971	17	of	of	ADP
cblr-2965	971	18	a	a	DET
cblr-2965	971	19	fund	fund	NOUN
cblr-2965	971	20	's	's	PART
cblr-2965	971	21	past	past	ADJ
cblr-2965	971	22	returns	return	NOUN
cblr-2965	971	23	.	.	PUNCT
cblr-2965	972	1	for	for	ADP
cblr-2965	972	2	example	example	NOUN
cblr-2965	972	3	,	,	PUNCT
cblr-2965	972	4	wilcox	wilcox	PROPN
cblr-2965	972	5	's	's	PART
cblr-2965	972	6	experiment	experiment	NOUN
cblr-2965	972	7	requiring	require	VERB
cblr-2965	972	8	investors	investor	NOUN
cblr-2965	972	9	to	to	PART
cblr-2965	972	10	choose	choose	VERB
cblr-2965	972	11	between	between	ADP
cblr-2965	972	12	hypothetical	hypothetical	ADJ
cblr-2965	972	13	mutual	mutual	ADJ
cblr-2965	972	14	funds	fund	NOUN
cblr-2965	972	15	found	find	VERB
cblr-2965	972	16	that	that	SCONJ
cblr-2965	972	17	a	a	DET
cblr-2965	972	18	fund	fund	NOUN
cblr-2965	972	19	's	's	PART
cblr-2965	972	20	returns	return	NOUN
cblr-2965	972	21	over	over	ADP
cblr-2965	972	22	the	the	DET
cblr-2965	972	23	past	past	ADJ
cblr-2965	972	24	ten	ten	NUM
cblr-2965	972	25	years	year	NOUN
cblr-2965	972	26	and	and	CCONJ
cblr-2965	972	27	over	over	ADP
cblr-2965	972	28	the	the	DET
cblr-2965	972	29	past	past	ADJ
cblr-2965	972	30	year	year	NOUN
cblr-2965	972	31	are	be	AUX
cblr-2965	972	32	the	the	DET
cblr-2965	972	33	two	two	NUM
cblr-2965	972	34	most	most	ADV
cblr-2965	972	35	important	important	ADJ
cblr-2965	972	36	factors	factor	NOUN
cblr-2965	972	37	to	to	ADP
cblr-2965	972	38	investors.236	investors.236	PROPN
cblr-2965	972	39	235	235	NUM
cblr-2965	972	40	michael	michael	PROPN
cblr-2965	972	41	j.	j.	PROPN
cblr-2965	972	42	chang	chang	PROPN
cblr-2965	972	43	,	,	PUNCT
cblr-2965	972	44	digital	digital	ADJ
cblr-2965	972	45	copyrightability	copyrightability	NOUN
cblr-2965	972	46	of	of	ADP
cblr-2965	972	47	lexmark	lexmark	NOUN
cblr-2965	972	48	toners	toner	NOUN
cblr-2965	972	49	and	and	CCONJ
cblr-2965	972	50	cartridges	cartridge	NOUN
cblr-2965	972	51	under	under	ADP
cblr-2965	972	52	the	the	DET
cblr-2965	972	53	digital	digital	ADJ
cblr-2965	972	54	millennium	millennium	NOUN
cblr-2965	972	55	copyright	copyright	PROPN
cblr-2965	972	56	act	act	PROPN
cblr-2965	972	57	,	,	PUNCT
cblr-2965	973	1	17	17	NUM
cblr-2965	973	2	alb	alb	NOUN
cblr-2965	973	3	.	.	PUNCT
cblr-2965	973	4	l.j	l.j	PROPN
cblr-2965	973	5	.	.	PROPN
cblr-2965	973	6	sci	sci	PROPN
cblr-2965	973	7	&	&	CCONJ
cblr-2965	973	8	tech	tech	PROPN
cblr-2965	973	9	.	.	PUNCT
cblr-2965	974	1	559	559	NUM
cblr-2965	974	2	,	,	PUNCT
cblr-2965	974	3	560	560	NUM
cblr-2965	974	4	(	(	PUNCT
cblr-2965	974	5	2007	2007	NUM
cblr-2965	974	6	)	)	PUNCT
cblr-2965	974	7	.	.	PUNCT
cblr-2965	975	1	236	236	NUM
cblr-2965	975	2	wilcox	wilcox	PROPN
cblr-2965	975	3	,	,	PUNCT
cblr-2965	975	4	supra	supra	PROPN
cblr-2965	975	5	note	note	PROPN
cblr-2965	975	6	162	162	NUM
cblr-2965	975	7	,	,	PUNCT
cblr-2965	975	8	at	at	ADP
cblr-2965	975	9	650	650	NUM
cblr-2965	975	10	.	.	PUNCT
cblr-2965	975	11	recall	recall	VERB
cblr-2965	975	12	that	that	SCONJ
cblr-2965	975	13	the	the	DET
cblr-2965	975	14	other	other	ADJ
cblr-2965	975	15	factors	factor	NOUN
cblr-2965	975	16	were	be	AUX
cblr-2965	975	17	the	the	DET
cblr-2965	975	18	fund	fund	NOUN
cblr-2965	975	19	company	company	NOUN
cblr-2965	975	20	's	's	PART
cblr-2965	975	21	name	name	NOUN
cblr-2965	975	22	,	,	PUNCT
cblr-2965	975	23	load	load	NOUN
cblr-2965	975	24	,	,	PUNCT
cblr-2965	975	25	expense	expense	NOUN
cblr-2965	975	26	ratio	ratio	NOUN
cblr-2965	975	27	,	,	PUNCT
cblr-2965	975	28	and	and	CCONJ
cblr-2965	975	29	beta	beta	NOUN
cblr-2965	975	30	.	.	PUNCT
cblr-2965	976	1	i	i	PRON
cblr-2965	976	2	d.	d.	PROPN
cblr-2965	976	3	at	at	ADP
cblr-2965	976	4	648	648	NUM
cblr-2965	976	5	.	.	PUNCT
cblr-2965	976	6	col	col	PROPN
cblr-2965	976	7	umbia	umbia	PROPN
cblr-2965	976	8	b	b	PROPN
cblr-2965	976	9	usiness	usiness	PROPN
cblr-2965	976	10	la	la	PROPN
cblr-2965	976	11	w	w	PROPN
cblr-2965	976	12	re	re	PROPN
cblr-2965	976	13	vie	vie	PROPN
cblr-2965	976	14	w	w	PROPN
cblr-2965	977	1	[	[	X
cblr-2965	977	2	vol	vol	NOUN
cblr-2965	977	3	.	.	PUNCT
cblr-2965	977	4	2008	2008	NUM
cblr-2965	977	5	also	also	ADV
cblr-2965	977	6	,	,	PUNCT
cblr-2965	977	7	capon	capon	NOUN
cblr-2965	977	8	,	,	PUNCT
cblr-2965	977	9	fitzsimons	fitzsimon	NOUN
cblr-2965	977	10	and	and	CCONJ
cblr-2965	977	11	prince	prince	PROPN
cblr-2965	977	12	's	's	PART
cblr-2965	977	13	survey	survey	NOUN
cblr-2965	977	14	of	of	ADP
cblr-2965	977	15	households	household	NOUN
cblr-2965	977	16	that	that	PRON
cblr-2965	977	17	invest	invest	VERB
cblr-2965	977	18	in	in	ADP
cblr-2965	977	19	mutual	mutual	ADJ
cblr-2965	977	20	funds	fund	NOUN
cblr-2965	977	21	found	find	VERB
cblr-2965	977	22	that	that	SCONJ
cblr-2965	977	23	a	a	DET
cblr-2965	977	24	fund	fund	NOUN
cblr-2965	977	25	's	's	PART
cblr-2965	977	26	"	"	PUNCT
cblr-2965	977	27	investment	investment	NOUN
cblr-2965	977	28	performance	performance	NOUN
cblr-2965	977	29	track	track	NOUN
cblr-2965	977	30	record	record	NOUN
cblr-2965	977	31	"	"	PUNCT
cblr-2965	977	32	is	be	AUX
cblr-2965	977	33	the	the	DET
cblr-2965	977	34	most	most	ADV
cblr-2965	977	35	important	important	ADJ
cblr-2965	977	36	factor	factor	NOUN
cblr-2965	977	37	in	in	ADP
cblr-2965	977	38	investors	investor	NOUN
cblr-2965	977	39	'	'	PART
cblr-2965	977	40	choice	choice	NOUN
cblr-2965	977	41	of	of	ADP
cblr-2965	977	42	funds.237	funds.237	ADJ
cblr-2965	977	43	in	in	ADP
cblr-2965	977	44	addition	addition	NOUN
cblr-2965	977	45	,	,	PUNCT
cblr-2965	977	46	in	in	ADP
cblr-2965	977	47	the	the	DET
cblr-2965	977	48	ici	ici	NOUN
cblr-2965	977	49	survey	survey	NOUN
cblr-2965	977	50	of	of	ADP
cblr-2965	977	51	fund	fund	NOUN
cblr-2965	977	52	investors	investor	NOUN
cblr-2965	977	53	,	,	PUNCT
cblr-2965	977	54	69	69	NUM
cblr-2965	977	55	%	%	NOUN
cblr-2965	977	56	of	of	ADP
cblr-2965	977	57	respondents	respondent	NOUN
cblr-2965	977	58	stated	state	VERB
cblr-2965	977	59	they	they	PRON
cblr-2965	977	60	review	review	VERB
cblr-2965	977	61	a	a	DET
cblr-2965	977	62	fund	fund	NOUN
cblr-2965	977	63	's	's	PART
cblr-2965	977	64	"	"	PUNCT
cblr-2965	977	65	historical	historical	ADJ
cblr-2965	977	66	performance	performance	NOUN
cblr-2965	977	67	"	"	PUNCT
cblr-2965	977	68	before	before	ADP
cblr-2965	977	69	investing	invest	VERB
cblr-2965	977	70	in	in	ADP
cblr-2965	977	71	the	the	DET
cblr-2965	977	72	fund	fund	NOUN
cblr-2965	977	73	.	.	PUNCT
cblr-2965	978	1	3	3	NUM
cblr-2965	978	2	2	2	NUM
cblr-2965	978	3	.	.	PUNCT
cblr-2965	978	4	other	other	ADJ
cblr-2965	978	5	studies	study	NOUN
cblr-2965	978	6	of	of	ADP
cblr-2965	978	7	investor	investor	NOUN
cblr-2965	978	8	behavior	behavior	NOUN
cblr-2965	978	9	numerous	numerous	ADJ
cblr-2965	978	10	studies	study	NOUN
cblr-2965	978	11	of	of	ADP
cblr-2965	978	12	actual	actual	ADJ
cblr-2965	978	13	investor	investor	NOUN
cblr-2965	978	14	behavior	behavior	NOUN
cblr-2965	978	15	find	find	VERB
cblr-2965	978	16	that	that	SCONJ
cblr-2965	978	17	investors	investor	NOUN
cblr-2965	978	18	flock	flock	VERB
cblr-2965	978	19	to	to	ADP
cblr-2965	978	20	mutual	mutual	ADJ
cblr-2965	978	21	funds	fund	NOUN
cblr-2965	978	22	with	with	ADP
cblr-2965	978	23	the	the	DET
cblr-2965	978	24	highest	high	ADJ
cblr-2965	978	25	past	past	ADJ
cblr-2965	978	26	returns	return	NOUN
cblr-2965	978	27	.	.	PUNCT
cblr-2965	979	1	for	for	ADP
cblr-2965	979	2	example	example	NOUN
cblr-2965	979	3	,	,	PUNCT
cblr-2965	979	4	del	del	PROPN
cblr-2965	979	5	guercio	guercio	PROPN
cblr-2965	979	6	and	and	CCONJ
cblr-2965	979	7	tkac	tkac	PROPN
cblr-2965	979	8	examined	examine	VERB
cblr-2965	979	9	flow	flow	NOUN
cblr-2965	979	10	into	into	ADP
cblr-2965	979	11	a	a	DET
cblr-2965	979	12	large	large	ADJ
cblr-2965	979	13	sample	sample	NOUN
cblr-2965	979	14	of	of	ADP
cblr-2965	979	15	equity	equity	NOUN
cblr-2965	979	16	mutual	mutual	ADJ
cblr-2965	979	17	funds.3	funds.3	PROPN
cblr-2965	979	18	9	9	NUM
cblr-2965	979	19	they	they	PRON
cblr-2965	979	20	found	find	VERB
cblr-2965	979	21	that	that	SCONJ
cblr-2965	979	22	a	a	DET
cblr-2965	979	23	fund	fund	NOUN
cblr-2965	979	24	's	's	PART
cblr-2965	979	25	past	past	ADJ
cblr-2965	979	26	return	return	NOUN
cblr-2965	979	27	has	have	VERB
cblr-2965	979	28	a	a	DET
cblr-2965	979	29	strong	strong	ADJ
cblr-2965	979	30	positive	positive	ADJ
cblr-2965	979	31	effect	effect	NOUN
cblr-2965	979	32	on	on	ADP
cblr-2965	979	33	fund	fund	NOUN
cblr-2965	979	34	flow	flow	NOUN
cblr-2965	979	35	.	.	PUNCT
cblr-2965	980	1	240	240	NUM
cblr-2965	980	2	in	in	ADP
cblr-2965	980	3	addition	addition	NOUN
cblr-2965	980	4	,	,	PUNCT
cblr-2965	980	5	this	this	DET
cblr-2965	980	6	positive	positive	ADJ
cblr-2965	980	7	relationship	relationship	NOUN
cblr-2965	980	8	was	be	AUX
cblr-2965	980	9	strongest	strong	ADJ
cblr-2965	980	10	for	for	ADP
cblr-2965	980	11	funds	fund	NOUN
cblr-2965	980	12	with	with	ADP
cblr-2965	980	13	the	the	DET
cblr-2965	980	14	highest	high	ADJ
cblr-2965	980	15	returns	return	NOUN
cblr-2965	980	16	,	,	PUNCT
cblr-2965	980	17	indicating	indicate	VERB
cblr-2965	980	18	that	that	SCONJ
cblr-2965	980	19	investors	investor	NOUN
cblr-2965	980	20	especially	especially	ADV
cblr-2965	980	21	chase	chase	VERB
cblr-2965	980	22	the	the	DET
cblr-2965	980	23	highest	highest	ADV
cblr-2965	980	24	-	-	PUNCT
cblr-2965	980	25	performing	perform	VERB
cblr-2965	980	26	funds.24	funds.24	NOUN
cblr-2965	980	27	'	'	PUNCT
cblr-2965	980	28	similarly	similarly	ADV
cblr-2965	980	29	,	,	PUNCT
cblr-2965	980	30	sirri	sirri	NOUN
cblr-2965	980	31	and	and	CCONJ
cblr-2965	980	32	tufano	tufano	PROPN
cblr-2965	980	33	's	's	PART
cblr-2965	980	34	study	study	NOUN
cblr-2965	980	35	of	of	ADP
cblr-2965	980	36	flow	flow	NOUN
cblr-2965	980	37	into	into	ADP
cblr-2965	980	38	equity	equity	NOUN
cblr-2965	980	39	mutual	mutual	ADJ
cblr-2965	980	40	funds	fund	NOUN
cblr-2965	980	41	found	find	VERB
cblr-2965	980	42	that	that	SCONJ
cblr-2965	980	43	having	have	VERB
cblr-2965	980	44	higher	high	ADJ
cblr-2965	980	45	returns	return	NOUN
cblr-2965	980	46	garnered	garner	VERB
cblr-2965	980	47	more	more	ADJ
cblr-2965	980	48	flow	flow	NOUN
cblr-2965	980	49	for	for	ADP
cblr-2965	980	50	a	a	DET
cblr-2965	980	51	fund	fund	NOUN
cblr-2965	980	52	.	.	PUNCT
cblr-2965	981	1	this	this	PRON
cblr-2965	981	2	was	be	AUX
cblr-2965	981	3	especially	especially	ADV
cblr-2965	981	4	true	true	ADJ
cblr-2965	981	5	for	for	ADP
cblr-2965	981	6	the	the	DET
cblr-2965	981	7	highest	high	ADJ
cblr-2965	981	8	performing	perform	VERB
cblr-2965	981	9	quintile	quintile	NOUN
cblr-2965	981	10	of	of	ADP
cblr-2965	981	11	funds	fund	NOUN
cblr-2965	981	12	,	,	PUNCT
cblr-2965	981	13	showing	show	VERB
cblr-2965	981	14	again	again	ADV
cblr-2965	981	15	that	that	SCONJ
cblr-2965	981	16	investors	investor	NOUN
cblr-2965	981	17	flock	flock	VERB
cblr-2965	981	18	to	to	ADP
cblr-2965	981	19	funds	fund	NOUN
cblr-2965	981	20	with	with	ADP
cblr-2965	981	21	the	the	DET
cblr-2965	981	22	strongest	strong	ADJ
cblr-2965	981	23	past	past	NOUN
cblr-2965	981	24	performance.242	performance.242	VERB
cblr-2965	981	25	the	the	DET
cblr-2965	981	26	tendency	tendency	NOUN
cblr-2965	981	27	of	of	ADP
cblr-2965	981	28	investors	investor	NOUN
cblr-2965	981	29	to	to	PART
cblr-2965	981	30	chase	chase	VERB
cblr-2965	981	31	returns	return	NOUN
cblr-2965	981	32	manifests	manifest	VERB
cblr-2965	981	33	itself	itself	PRON
cblr-2965	981	34	not	not	PART
cblr-2965	981	35	only	only	ADV
cblr-2965	981	36	in	in	ADP
cblr-2965	981	37	buying	buy	VERB
cblr-2965	981	38	specific	specific	ADJ
cblr-2965	981	39	high	high	ADV
cblr-2965	981	40	-	-	PUNCT
cblr-2965	981	41	performing	perform	VERB
cblr-2965	981	42	funds	fund	NOUN
cblr-2965	981	43	,	,	PUNCT
cblr-2965	981	44	but	but	CCONJ
cblr-2965	981	45	also	also	ADV
cblr-2965	981	46	extends	extend	VERB
cblr-2965	981	47	to	to	ADP
cblr-2965	981	48	buying	buy	VERB
cblr-2965	981	49	the	the	DET
cblr-2965	981	50	types	type	NOUN
cblr-2965	981	51	of	of	ADP
cblr-2965	981	52	funds	fund	NOUN
cblr-2965	981	53	that	that	PRON
cblr-2965	981	54	have	have	AUX
cblr-2965	981	55	recently	recently	ADV
cblr-2965	981	56	performed	perform	VERB
cblr-2965	981	57	well	well	ADV
cblr-2965	981	58	.	.	PUNCT
cblr-2965	982	1	as	as	SCONJ
cblr-2965	982	2	cooper	cooper	NOUN
cblr-2965	982	3	,	,	PUNCT
cblr-2965	982	4	gulen	gulen	VERB
cblr-2965	982	5	and	and	CCONJ
cblr-2965	982	6	rau	rau	PROPN
cblr-2965	982	7	found	find	VERB
cblr-2965	982	8	,	,	PUNCT
cblr-2965	982	9	when	when	SCONJ
cblr-2965	982	10	a	a	DET
cblr-2965	982	11	fund	fund	NOUN
cblr-2965	982	12	changes	change	VERB
cblr-2965	982	13	its	its	PRON
cblr-2965	982	14	name	name	NOUN
cblr-2965	982	15	to	to	PART
cblr-2965	982	16	reflect	reflect	VERB
cblr-2965	982	17	a	a	DET
cblr-2965	982	18	hotter	hot	ADJ
cblr-2965	982	19	investment	investment	NOUN
cblr-2965	982	20	style	style	NOUN
cblr-2965	982	21	,	,	PUNCT
cblr-2965	982	22	it	it	PRON
cblr-2965	982	23	237	237	NUM
cblr-2965	982	24	capon	capon	NOUN
cblr-2965	982	25	et	et	NOUN
cblr-2965	982	26	al	al	PROPN
cblr-2965	982	27	.	.	PROPN
cblr-2965	982	28	,	,	PUNCT
cblr-2965	982	29	supra	supra	PROPN
cblr-2965	982	30	note	note	PROPN
cblr-2965	982	31	147	147	NUM
cblr-2965	982	32	,	,	PUNCT
cblr-2965	982	33	at	at	ADP
cblr-2965	982	34	66	66	NUM
cblr-2965	982	35	tbl.l	tbl.l	NOUN
cblr-2965	982	36	.	.	PUNCT
cblr-2965	983	1	238	238	NUM
cblr-2965	983	2	ici	ici	NOUN
cblr-2965	983	3	,	,	PUNCT
cblr-2965	983	4	investor	investor	NOUN
cblr-2965	983	5	preferences	preference	NOUN
cblr-2965	983	6	,	,	PUNCT
cblr-2965	983	7	supra	supra	PROPN
cblr-2965	983	8	note	note	NOUN
cblr-2965	983	9	31	31	NUM
cblr-2965	983	10	,	,	PUNCT
cblr-2965	983	11	at	at	ADP
cblr-2965	983	12	3	3	NUM
cblr-2965	983	13	fig.1	fig.1	PROPN
cblr-2965	983	14	.	.	PUNCT
cblr-2965	984	1	239	239	NUM
cblr-2965	984	2	del	del	PROPN
cblr-2965	984	3	guercio	guercio	PROPN
cblr-2965	984	4	&	&	CCONJ
cblr-2965	984	5	tkac	tkac	PROPN
cblr-2965	984	6	,	,	PUNCT
cblr-2965	984	7	supra	supra	PROPN
cblr-2965	984	8	note	note	PROPN
cblr-2965	984	9	161	161	NUM
cblr-2965	984	10	,	,	PUNCT
cblr-2965	984	11	at	at	ADP
cblr-2965	984	12	533	533	NUM
cblr-2965	984	13	.	.	NOUN
cblr-2965	984	14	240	240	NUM
cblr-2965	985	1	i	i	PRON
cblr-2965	985	2	d.	d.	PROPN
cblr-2965	985	3	at	at	ADP
cblr-2965	985	4	525	525	NUM
cblr-2965	985	5	.	.	PUNCT
cblr-2965	986	1	they	they	PRON
cblr-2965	986	2	used	use	VERB
cblr-2965	986	3	the	the	DET
cblr-2965	986	4	fund	fund	NOUN
cblr-2965	986	5	's	's	PART
cblr-2965	986	6	excess	excess	ADJ
cblr-2965	986	7	return	return	NOUN
cblr-2965	986	8	(	(	PUNCT
cblr-2965	986	9	that	that	ADV
cblr-2965	986	10	is	is	ADV
cblr-2965	986	11	,	,	PUNCT
cblr-2965	986	12	the	the	DET
cblr-2965	986	13	extent	extent	NOUN
cblr-2965	986	14	to	to	PART
cblr-2965	986	15	which	which	PRON
cblr-2965	986	16	it	it	PRON
cblr-2965	986	17	outperforms	outperform	VERB
cblr-2965	986	18	the	the	DET
cblr-2965	986	19	s&p	s&p	PROPN
cblr-2965	986	20	500	500	NUM
cblr-2965	986	21	)	)	PUNCT
cblr-2965	986	22	as	as	ADP
cblr-2965	986	23	the	the	DET
cblr-2965	986	24	measure	measure	NOUN
cblr-2965	986	25	of	of	ADP
cblr-2965	986	26	the	the	DET
cblr-2965	986	27	fund	fund	NOUN
cblr-2965	986	28	's	's	PART
cblr-2965	986	29	return	return	NOUN
cblr-2965	986	30	.	.	PUNCT
cblr-2965	987	1	i	i	PRON
cblr-2965	987	2	d.	d.	PROPN
cblr-2965	987	3	at	at	ADP
cblr-2965	987	4	539	539	NUM
cblr-2965	987	5	.	.	PUNCT
cblr-2965	988	1	241	241	NUM
cblr-2965	989	1	i	i	PRON
cblr-2965	989	2	d.	d.	PROPN
cblr-2965	989	3	at	at	ADP
cblr-2965	989	4	525	525	NUM
cblr-2965	989	5	.	.	PUNCT
cblr-2965	989	6	242	242	NUM
cblr-2965	989	7	sirri	sirri	NOUN
cblr-2965	989	8	&	&	CCONJ
cblr-2965	989	9	tufano	tufano	PROPN
cblr-2965	989	10	,	,	PUNCT
cblr-2965	989	11	supra	supra	PROPN
cblr-2965	989	12	note	note	PROPN
cblr-2965	989	13	182	182	NUM
cblr-2965	989	14	,	,	PUNCT
cblr-2965	989	15	at	at	ADP
cblr-2965	989	16	1598	1598	NUM
cblr-2965	989	17	.	.	PUNCT
cblr-2965	990	1	see	see	VERB
cblr-2965	990	2	also	also	ADV
cblr-2965	990	3	travis	travis	PROPN
cblr-2965	990	4	sapp	sapp	PROPN
cblr-2965	990	5	&	&	CCONJ
cblr-2965	990	6	ashish	ashish	PROPN
cblr-2965	990	7	tiwari	tiwari	PROPN
cblr-2965	990	8	,	,	PUNCT
cblr-2965	990	9	does	do	AUX
cblr-2965	990	10	stock	stock	NOUN
cblr-2965	990	11	return	return	NOUN
cblr-2965	990	12	momentum	momentum	NOUN
cblr-2965	990	13	explain	explain	VERB
cblr-2965	990	14	the	the	DET
cblr-2965	990	15	"	"	PUNCT
cblr-2965	990	16	smart	smart	ADJ
cblr-2965	990	17	money	money	NOUN
cblr-2965	990	18	"	"	PUNCT
cblr-2965	990	19	effect	effect	NOUN
cblr-2965	990	20	?	?	PUNCT
cblr-2965	990	21	,	,	PUNCT
cblr-2965	990	22	59	59	NUM
cblr-2965	990	23	j.	j.	PROPN
cblr-2965	990	24	fin	fin	PROPN
cblr-2965	990	25	.	.	PUNCT
cblr-2965	991	1	2605	2605	NUM
cblr-2965	991	2	,	,	PUNCT
cblr-2965	991	3	2607	2607	NUM
cblr-2965	991	4	(	(	PUNCT
cblr-2965	991	5	2004	2004	NUM
cblr-2965	991	6	)	)	PUNCT
cblr-2965	992	1	(	(	PUNCT
cblr-2965	992	2	examining	examine	VERB
cblr-2965	992	3	fund	fund	NOUN
cblr-2965	992	4	flows	flow	NOUN
cblr-2965	992	5	into	into	ADP
cblr-2965	992	6	u.s	u.s	PROPN
cblr-2965	992	7	.	.	PROPN
cblr-2965	992	8	equity	equity	NOUN
cblr-2965	992	9	mutual	mutual	ADJ
cblr-2965	992	10	funds	fund	NOUN
cblr-2965	992	11	from	from	ADP
cblr-2965	992	12	1970	1970	NUM
cblr-2965	992	13	to	to	ADP
cblr-2965	992	14	2000	2000	NUM
cblr-2965	992	15	"	"	PUNCT
cblr-2965	992	16	effectively	effectively	ADV
cblr-2965	992	17	demonstrates	demonstrate	VERB
cblr-2965	992	18	that	that	SCONJ
cblr-2965	992	19	fund	fund	NOUN
cblr-2965	992	20	investors	investor	NOUN
cblr-2965	992	21	appear	appear	VERB
cblr-2965	992	22	to	to	PART
cblr-2965	992	23	be	be	AUX
cblr-2965	992	24	chasing	chase	VERB
cblr-2965	992	25	recent	recent	ADJ
cblr-2965	992	26	large	large	ADJ
cblr-2965	992	27	returns	return	NOUN
cblr-2965	992	28	"	"	PUNCT
cblr-2965	992	29	)	)	PUNCT
cblr-2965	992	30	.	.	PUNCT
cblr-2965	993	1	no	no	INTJ
cblr-2965	993	2	.	.	PUNCT
cblr-2965	994	1	3:9341	3:9341	NUM
cblr-2965	994	2	mutual	mutual	ADJ
cblr-2965	994	3	fund	fund	NOUN
cblr-2965	994	4	investors	investors	PROPN
cblr-2965	994	5	columbia	columbia	PROPN
cblr-2965	994	6	business	business	PROPN
cblr-2965	994	7	la	la	PROPN
cblr-2965	994	8	w	w	PROPN
cblr-2965	994	9	review	review	NOUN
cblr-2965	994	10	receives	receive	VERB
cblr-2965	994	11	a	a	DET
cblr-2965	994	12	large	large	ADJ
cblr-2965	994	13	increase	increase	NOUN
cblr-2965	994	14	in	in	ADP
cblr-2965	994	15	flow	flow	NOUN
cblr-2965	994	16	.	.	PUNCT
cblr-2965	995	1	243	243	NUM
cblr-2965	995	2	as	as	SCONJ
cblr-2965	995	3	discussed	discuss	VERB
cblr-2965	995	4	above	above	ADV
cblr-2965	995	5	,	,	PUNCT
cblr-2965	995	6	this	this	DET
cblr-2965	995	7	increase	increase	NOUN
cblr-2965	995	8	occurs	occur	VERB
cblr-2965	995	9	even	even	ADV
cblr-2965	995	10	if	if	SCONJ
cblr-2965	995	11	the	the	DET
cblr-2965	995	12	fund	fund	NOUN
cblr-2965	995	13	does	do	AUX
cblr-2965	995	14	not	not	PART
cblr-2965	995	15	actually	actually	ADV
cblr-2965	995	16	change	change	VERB
cblr-2965	995	17	to	to	ADP
cblr-2965	995	18	the	the	DET
cblr-2965	995	19	investment	investment	NOUN
cblr-2965	995	20	style	style	NOUN
cblr-2965	995	21	suggested	suggest	VERB
cblr-2965	995	22	by	by	ADP
cblr-2965	995	23	its	its	PRON
cblr-2965	995	24	new	new	ADJ
cblr-2965	995	25	name	name	NOUN
cblr-2965	995	26	.	.	PUNCT
cblr-2965	996	1	244	244	NUM
cblr-2965	997	1	although	although	SCONJ
cblr-2965	997	2	investors	investor	NOUN
cblr-2965	997	3	flock	flock	VERB
cblr-2965	997	4	to	to	ADP
cblr-2965	997	5	funds	fund	NOUN
cblr-2965	997	6	that	that	PRON
cblr-2965	997	7	have	have	AUX
cblr-2965	997	8	produced	produce	VERB
cblr-2965	997	9	the	the	DET
cblr-2965	997	10	highest	high	ADJ
cblr-2965	997	11	returns	return	NOUN
cblr-2965	997	12	,	,	PUNCT
cblr-2965	997	13	there	there	PRON
cblr-2965	997	14	is	be	VERB
cblr-2965	997	15	little	little	ADJ
cblr-2965	997	16	reason	reason	NOUN
cblr-2965	997	17	for	for	SCONJ
cblr-2965	997	18	them	they	PRON
cblr-2965	997	19	to	to	PART
cblr-2965	997	20	do	do	VERB
cblr-2965	997	21	so	so	ADV
cblr-2965	997	22	.	.	PUNCT
cblr-2965	998	1	despite	despite	SCONJ
cblr-2965	998	2	numerous	numerous	ADJ
cblr-2965	998	3	studies	study	NOUN
cblr-2965	998	4	testing	test	VERB
cblr-2965	998	5	the	the	DET
cblr-2965	998	6	relationship	relationship	NOUN
cblr-2965	998	7	between	between	ADP
cblr-2965	998	8	past	past	ADJ
cblr-2965	998	9	performance	performance	NOUN
cblr-2965	998	10	and	and	CCONJ
cblr-2965	998	11	future	future	ADJ
cblr-2965	998	12	returns	return	NOUN
cblr-2965	998	13	,	,	PUNCT
cblr-2965	998	14	"	"	PUNCT
cblr-2965	998	15	within	within	ADP
cblr-2965	998	16	the	the	DET
cblr-2965	998	17	finance	finance	NOUN
cblr-2965	998	18	literature	literature	NOUN
cblr-2965	998	19	there	there	PRON
cblr-2965	998	20	is	be	VERB
cblr-2965	998	21	[	[	X
cblr-2965	998	22	only	only	ADV
cblr-2965	998	23	]	]	X
cblr-2965	998	24	weak	weak	ADJ
cblr-2965	998	25	and	and	CCONJ
cblr-2965	998	26	controversial	controversial	ADJ
cblr-2965	998	27	evidence	evidence	NOUN
cblr-2965	998	28	that	that	SCONJ
cblr-2965	998	29	past	past	ADJ
cblr-2965	998	30	performance	performance	NOUN
cblr-2965	998	31	has	have	AUX
cblr-2965	998	32	much	much	ADJ
cblr-2965	998	33	,	,	PUNCT
cblr-2965	998	34	if	if	SCONJ
cblr-2965	998	35	any	any	PRON
cblr-2965	998	36	,	,	PUNCT
cblr-2965	998	37	predictive	predictive	ADJ
cblr-2965	998	38	ability	ability	NOUN
cblr-2965	998	39	for	for	ADP
cblr-2965	998	40	future	future	ADJ
cblr-2965	998	41	returns	return	NOUN
cblr-2965	998	42	.	.	PUNCT
cblr-2965	999	1	"245	"245	NOUN
cblr-2965	999	2	in	in	ADP
cblr-2965	999	3	other	other	ADJ
cblr-2965	999	4	words	word	NOUN
cblr-2965	999	5	,	,	PUNCT
cblr-2965	999	6	there	there	PRON
cblr-2965	999	7	is	be	VERB
cblr-2965	999	8	little	little	ADJ
cblr-2965	999	9	evidence	evidence	NOUN
cblr-2965	999	10	of	of	ADP
cblr-2965	999	11	performance	performance	NOUN
cblr-2965	999	12	persistence	persistence	NOUN
cblr-2965	999	13	by	by	ADP
cblr-2965	999	14	top	top	ADJ
cblr-2965	999	15	performing	perform	VERB
cblr-2965	999	16	funds	fund	NOUN
cblr-2965	999	17	;	;	PUNCT
cblr-2965	999	18	they	they	PRON
cblr-2965	999	19	generally	generally	ADV
cblr-2965	999	20	do	do	AUX
cblr-2965	999	21	not	not	PART
cblr-2965	999	22	continue	continue	VERB
cblr-2965	999	23	to	to	PART
cblr-2965	999	24	significantly	significantly	ADV
cblr-2965	999	25	outperform	outperform	VERB
cblr-2965	999	26	other	other	ADJ
cblr-2965	999	27	funds	fund	NOUN
cblr-2965	999	28	.	.	PUNCT
cblr-2965	1000	1	furthermore	furthermore	ADV
cblr-2965	1000	2	,	,	PUNCT
cblr-2965	1000	3	even	even	ADV
cblr-2965	1000	4	if	if	SCONJ
cblr-2965	1000	5	some	some	DET
cblr-2965	1000	6	persistence	persistence	NOUN
cblr-2965	1000	7	exists	exist	VERB
cblr-2965	1000	8	,	,	PUNCT
cblr-2965	1000	9	it	it	PRON
cblr-2965	1000	10	may	may	AUX
cblr-2965	1000	11	not	not	PART
cblr-2965	1000	12	be	be	AUX
cblr-2965	1000	13	meaningful	meaningful	ADJ
cblr-2965	1000	14	to	to	ADP
cblr-2965	1000	15	investors	investor	NOUN
cblr-2965	1000	16	picking	pick	VERB
cblr-2965	1000	17	among	among	ADP
cblr-2965	1000	18	mutual	mutual	ADJ
cblr-2965	1000	19	funds	fund	NOUN
cblr-2965	1000	20	because	because	SCONJ
cblr-2965	1000	21	of	of	ADP
cblr-2965	1000	22	the	the	DET
cblr-2965	1000	23	transaction	transaction	NOUN
cblr-2965	1000	24	costs	cost	NOUN
cblr-2965	1000	25	,	,	PUNCT
cblr-2965	1000	26	such	such	ADJ
cblr-2965	1000	27	as	as	ADP
cblr-2965	1000	28	loads	load	NOUN
cblr-2965	1000	29	and	and	CCONJ
cblr-2965	1000	30	capital	capital	NOUN
cblr-2965	1000	31	gains	gain	NOUN
cblr-2965	1000	32	taxes	taxis	NOUN
cblr-2965	1000	33	,	,	PUNCT
cblr-2965	1000	34	that	that	PRON
cblr-2965	1000	35	would	would	AUX
cblr-2965	1000	36	be	be	AUX
cblr-2965	1000	37	incurred	incur	VERB
cblr-2965	1000	38	in	in	ADP
cblr-2965	1000	39	chasing	chase	VERB
cblr-2965	1000	40	recent	recent	ADJ
cblr-2965	1000	41	high	high	ADJ
cblr-2965	1000	42	performers.246	performers.246	NOUN
cblr-2965	1000	43	indeed	indeed	ADV
cblr-2965	1000	44	,	,	PUNCT
cblr-2965	1000	45	in	in	ADP
cblr-2965	1000	46	a	a	DET
cblr-2965	1000	47	survey	survey	NOUN
cblr-2965	1000	48	of	of	ADP
cblr-2965	1000	49	studies	study	NOUN
cblr-2965	1000	50	of	of	ADP
cblr-2965	1000	51	returns	return	NOUN
cblr-2965	1000	52	persistence	persistence	NOUN
cblr-2965	1000	53	,	,	PUNCT
cblr-2965	1000	54	cuthbertson	cuthbertson	NOUN
cblr-2965	1000	55	,	,	PUNCT
cblr-2965	1000	56	nitzsche	nitzsche	NOUN
cblr-2965	1000	57	and	and	CCONJ
cblr-2965	1000	58	o'sullivan	o'sullivan	PROPN
cblr-2965	1000	59	find	find	VERB
cblr-2965	1000	60	some	some	DET
cblr-2965	1000	61	evidence	evidence	NOUN
cblr-2965	1000	62	of	of	ADP
cblr-2965	1000	63	small	small	ADJ
cblr-2965	1000	64	performance	performance	NOUN
cblr-2965	1000	65	persistence	persistence	NOUN
cblr-2965	1000	66	by	by	ADP
cblr-2965	1000	67	the	the	DET
cblr-2965	1000	68	highest	high	ADJ
cblr-2965	1000	69	performing	perform	VERB
cblr-2965	1000	70	funds	fund	NOUN
cblr-2965	1000	71	,	,	PUNCT
cblr-2965	1000	72	but	but	CCONJ
cblr-2965	1000	73	conclude	conclude	VERB
cblr-2965	1000	74	that	that	SCONJ
cblr-2965	1000	75	"	"	PUNCT
cblr-2965	1000	76	it	it	PRON
cblr-2965	1000	77	seems	seem	VERB
cblr-2965	1000	78	likely	likely	ADJ
cblr-2965	1000	79	that	that	SCONJ
cblr-2965	1000	80	such	such	ADJ
cblr-2965	1000	81	costs	cost	NOUN
cblr-2965	1000	82	[	[	X
cblr-2965	1000	83	e.g.	e.g.	ADV
cblr-2965	1000	84	,	,	PUNCT
cblr-2965	1000	85	loads	load	NOUN
cblr-2965	1000	86	,	,	PUNCT
cblr-2965	1000	87	rebalancing	rebalancing	NOUN
cblr-2965	1000	88	costs	cost	NOUN
cblr-2965	1000	89	and	and	CCONJ
cblr-2965	1000	90	taxes	taxis	NOUN
cblr-2965	1000	91	]	]	PUNCT
cblr-2965	1000	92	would	would	AUX
cblr-2965	1000	93	24	24	NUM
cblr-2965	1000	94	cooper	cooper	PROPN
cblr-2965	1000	95	et	et	PROPN
cblr-2965	1000	96	al	al	PROPN
cblr-2965	1000	97	.	.	PROPN
cblr-2965	1000	98	,	,	PUNCT
cblr-2965	1000	99	supra	supra	PROPN
cblr-2965	1000	100	note	note	PROPN
cblr-2965	1000	101	152	152	NUM
cblr-2965	1000	102	,	,	PUNCT
cblr-2965	1000	103	at	at	ADP
cblr-2965	1000	104	2853	2853	NUM
cblr-2965	1000	105	.	.	PUNCT
cblr-2965	1001	1	244	244	NUM
cblr-2965	1002	1	i	i	PRON
cblr-2965	1002	2	d.	d.	PROPN
cblr-2965	1002	3	at	at	ADP
cblr-2965	1002	4	2855	2855	NUM
cblr-2965	1002	5	.	.	PUNCT
cblr-2965	1003	1	24	24	NUM
cblr-2965	1003	2	wilcox	wilcox	PROPN
cblr-2965	1003	3	,	,	PUNCT
cblr-2965	1003	4	supra	supra	PROPN
cblr-2965	1003	5	note	note	PROPN
cblr-2965	1003	6	162	162	NUM
cblr-2965	1003	7	,	,	PUNCT
cblr-2965	1003	8	at	at	ADP
cblr-2965	1003	9	651	651	NUM
cblr-2965	1003	10	.	.	PUNCT
cblr-2965	1004	1	see	see	VERB
cblr-2965	1004	2	also	also	ADV
cblr-2965	1004	3	jonathan	jonathan	PROPN
cblr-2965	1004	4	b.	b.	PROPN
cblr-2965	1004	5	berk	berk	PROPN
cblr-2965	1004	6	&	&	CCONJ
cblr-2965	1004	7	richard	richard	PROPN
cblr-2965	1004	8	c.	c.	PROPN
cblr-2965	1004	9	green	green	PROPN
cblr-2965	1004	10	,	,	PUNCT
cblr-2965	1004	11	mutual	mutual	ADJ
cblr-2965	1004	12	fund	fund	NOUN
cblr-2965	1004	13	flows	flow	NOUN
cblr-2965	1004	14	and	and	CCONJ
cblr-2965	1004	15	performance	performance	NOUN
cblr-2965	1004	16	in	in	ADP
cblr-2965	1004	17	rational	rational	ADJ
cblr-2965	1004	18	markets	market	NOUN
cblr-2965	1004	19	,	,	PUNCT
cblr-2965	1004	20	112	112	NUM
cblr-2965	1004	21	j.	j.	PROPN
cblr-2965	1004	22	pol	pol	PROPN
cblr-2965	1004	23	.	.	PUNCT
cblr-2965	1004	24	econ	econ	PROPN
cblr-2965	1004	25	.	.	PUNCT
cblr-2965	1005	1	1269	1269	NUM
cblr-2965	1005	2	,	,	PUNCT
cblr-2965	1005	3	1270	1270	NUM
cblr-2965	1005	4	&	&	CCONJ
cblr-2965	1005	5	n.1	n.1	PROPN
cblr-2965	1005	6	(	(	PUNCT
cblr-2965	1005	7	2004	2004	NUM
cblr-2965	1005	8	)	)	PUNCT
cblr-2965	1005	9	(	(	PUNCT
cblr-2965	1005	10	"	"	PUNCT
cblr-2965	1005	11	the	the	DET
cblr-2965	1005	12	relative	relative	ADJ
cblr-2965	1005	13	performance	performance	NOUN
cblr-2965	1005	14	of	of	ADP
cblr-2965	1005	15	mutual	mutual	ADJ
cblr-2965	1005	16	fund	fund	NOUN
cblr-2965	1005	17	managers	manager	NOUN
cblr-2965	1005	18	appears	appear	VERB
cblr-2965	1005	19	to	to	PART
cblr-2965	1005	20	be	be	AUX
cblr-2965	1005	21	largely	largely	ADV
cblr-2965	1005	22	unpredictable	unpredictable	ADJ
cblr-2965	1005	23	from	from	ADP
cblr-2965	1005	24	past	past	ADJ
cblr-2965	1005	25	relative	relative	ADJ
cblr-2965	1005	26	performance	performance	NOUN
cblr-2965	1005	27	.	.	PUNCT
cblr-2965	1005	28	.	.	PUNCT
cblr-2965	1005	29	.	.	PUNCT
cblr-2965	1005	30	.	.	PUNCT
cblr-2965	1006	1	while	while	SCONJ
cblr-2965	1006	2	some	some	DET
cblr-2965	1006	3	controversial	controversial	ADJ
cblr-2965	1006	4	evidence	evidence	NOUN
cblr-2965	1006	5	of	of	ADP
cblr-2965	1006	6	persistence	persistence	NOUN
cblr-2965	1006	7	[	[	X
cblr-2965	1006	8	of	of	ADP
cblr-2965	1006	9	mutual	mutual	ADJ
cblr-2965	1006	10	fund	fund	NOUN
cblr-2965	1006	11	returns	return	NOUN
cblr-2965	1006	12	]	]	PUNCT
cblr-2965	1006	13	does	do	AUX
cblr-2965	1006	14	exist	exist	VERB
cblr-2965	1006	15	,	,	PUNCT
cblr-2965	1006	16	it	it	PRON
cblr-2965	1006	17	is	be	AUX
cblr-2965	1006	18	concentrated	concentrate	VERB
cblr-2965	1006	19	in	in	ADP
cblr-2965	1006	20	low	low	ADJ
cblr-2965	1006	21	-	-	PUNCT
cblr-2965	1006	22	liquidity	liquidity	NOUN
cblr-2965	1006	23	sectors	sector	NOUN
cblr-2965	1006	24	or	or	CCONJ
cblr-2965	1006	25	at	at	ADP
cblr-2965	1006	26	shorter	short	ADJ
cblr-2965	1006	27	horizons	horizon	NOUN
cblr-2965	1006	28	.	.	PUNCT
cblr-2965	1006	29	"	"	PUNCT
cblr-2965	1006	30	)	)	PUNCT
cblr-2965	1006	31	(	(	PUNCT
cblr-2965	1006	32	footnote	footnote	VERB
cblr-2965	1006	33	and	and	CCONJ
cblr-2965	1006	34	citations	citation	NOUN
cblr-2965	1006	35	omitted	omit	VERB
cblr-2965	1006	36	)	)	PUNCT
cblr-2965	1006	37	.	.	PUNCT
cblr-2965	1007	1	246	246	NUM
cblr-2965	1007	2	nicolas	nicolas	PROPN
cblr-2965	1007	3	p.b	p.b	PROPN
cblr-2965	1007	4	.	.	PROPN
cblr-2965	1007	5	bollen	bollen	PROPN
cblr-2965	1007	6	&	&	CCONJ
cblr-2965	1007	7	jeffrey	jeffrey	PROPN
cblr-2965	1007	8	a.	a.	PROPN
cblr-2965	1007	9	busse	busse	PROPN
cblr-2965	1007	10	,	,	PUNCT
cblr-2965	1007	11	short	short	ADJ
cblr-2965	1007	12	-	-	PUNCT
cblr-2965	1007	13	term	term	NOUN
cblr-2965	1007	14	persistence	persistence	NOUN
cblr-2965	1007	15	in	in	ADP
cblr-2965	1007	16	mutual	mutual	ADJ
cblr-2965	1007	17	fund	fund	NOUN
cblr-2965	1007	18	performance	performance	NOUN
cblr-2965	1007	19	,	,	PUNCT
cblr-2965	1007	20	18	18	NUM
cblr-2965	1007	21	rev	rev	X
cblr-2965	1007	22	.	.	PROPN
cblr-2965	1007	23	fin	fin	NOUN
cblr-2965	1007	24	.	.	PUNCT
cblr-2965	1007	25	stud	stud	PROPN
cblr-2965	1007	26	.	.	PUNCT
cblr-2965	1008	1	569	569	NUM
cblr-2965	1008	2	,	,	PUNCT
cblr-2965	1008	3	587	587	NUM
cblr-2965	1008	4	-	-	SYM
cblr-2965	1008	5	88	88	NUM
cblr-2965	1008	6	(	(	PUNCT
cblr-2965	1008	7	2004	2004	NUM
cblr-2965	1008	8	)	)	PUNCT
cblr-2965	1008	9	.	.	PUNCT
cblr-2965	1009	1	many	many	ADJ
cblr-2965	1009	2	mutual	mutual	ADJ
cblr-2965	1009	3	funds	fund	NOUN
cblr-2965	1009	4	charge	charge	VERB
cblr-2965	1009	5	front	front	ADJ
cblr-2965	1009	6	-	-	PUNCT
cblr-2965	1009	7	end	end	NOUN
cblr-2965	1009	8	or	or	CCONJ
cblr-2965	1009	9	back	back	NOUN
cblr-2965	1009	10	-	-	PUNCT
cblr-2965	1009	11	end	end	NOUN
cblr-2965	1009	12	(	(	PUNCT
cblr-2965	1009	13	deferred	deferred	ADJ
cblr-2965	1009	14	)	)	PUNCT
cblr-2965	1009	15	loads	load	NOUN
cblr-2965	1009	16	that	that	SCONJ
cblr-2965	1009	17	investors	investor	NOUN
cblr-2965	1009	18	must	must	AUX
cblr-2965	1009	19	pay	pay	VERB
cblr-2965	1009	20	when	when	SCONJ
cblr-2965	1009	21	they	they	PRON
cblr-2965	1009	22	buy	buy	VERB
cblr-2965	1009	23	or	or	CCONJ
cblr-2965	1009	24	sell	sell	VERB
cblr-2965	1009	25	fund	fund	NOUN
cblr-2965	1009	26	shares	share	NOUN
cblr-2965	1009	27	,	,	PUNCT
cblr-2965	1009	28	respectively	respectively	ADV
cblr-2965	1009	29	.	.	PUNCT
cblr-2965	1010	1	also	also	ADV
cblr-2965	1010	2	,	,	PUNCT
cblr-2965	1010	3	to	to	PART
cblr-2965	1010	4	discourage	discourage	VERB
cblr-2965	1010	5	short	short	ADJ
cblr-2965	1010	6	-	-	PUNCT
cblr-2965	1010	7	term	term	NOUN
cblr-2965	1010	8	trading	trading	NOUN
cblr-2965	1010	9	,	,	PUNCT
cblr-2965	1010	10	many	many	ADJ
cblr-2965	1010	11	mutual	mutual	ADJ
cblr-2965	1010	12	funds	fund	NOUN
cblr-2965	1010	13	impose	impose	VERB
cblr-2965	1010	14	fees	fee	NOUN
cblr-2965	1010	15	on	on	ADP
cblr-2965	1010	16	investors	investor	NOUN
cblr-2965	1010	17	who	who	PRON
cblr-2965	1010	18	sell	sell	VERB
cblr-2965	1010	19	shares	share	NOUN
cblr-2965	1010	20	soon	soon	ADV
cblr-2965	1010	21	after	after	ADP
cblr-2965	1010	22	buying	buy	VERB
cblr-2965	1010	23	them	they	PRON
cblr-2965	1010	24	.	.	PUNCT
cblr-2965	1011	1	in	in	ADP
cblr-2965	1011	2	addition	addition	NOUN
cblr-2965	1011	3	,	,	PUNCT
cblr-2965	1011	4	when	when	SCONJ
cblr-2965	1011	5	an	an	DET
cblr-2965	1011	6	investor	investor	NOUN
cblr-2965	1011	7	sells	sell	VERB
cblr-2965	1011	8	mutual	mutual	ADJ
cblr-2965	1011	9	fund	fund	NOUN
cblr-2965	1011	10	shares	share	NOUN
cblr-2965	1011	11	for	for	ADP
cblr-2965	1011	12	a	a	DET
cblr-2965	1011	13	gain	gain	NOUN
cblr-2965	1011	14	,	,	PUNCT
cblr-2965	1011	15	the	the	DET
cblr-2965	1011	16	investor	investor	NOUN
cblr-2965	1011	17	must	must	AUX
cblr-2965	1011	18	pay	pay	VERB
cblr-2965	1011	19	capital	capital	NOUN
cblr-2965	1011	20	gains	gain	NOUN
cblr-2965	1011	21	taxes	taxis	NOUN
cblr-2965	1011	22	.	.	PUNCT
cblr-2965	1012	1	investors	investor	NOUN
cblr-2965	1012	2	who	who	PRON
cblr-2965	1012	3	sell	sell	VERB
cblr-2965	1012	4	fund	fund	NOUN
cblr-2965	1012	5	shares	share	NOUN
cblr-2965	1012	6	less	less	ADJ
cblr-2965	1012	7	than	than	ADP
cblr-2965	1012	8	one	one	NUM
cblr-2965	1012	9	year	year	NOUN
cblr-2965	1012	10	after	after	ADP
cblr-2965	1012	11	buying	buy	VERB
cblr-2965	1012	12	them	they	PRON
cblr-2965	1012	13	pay	pay	VERB
cblr-2965	1012	14	a	a	DET
cblr-2965	1012	15	higher	high	ADJ
cblr-2965	1012	16	capital	capital	NOUN
cblr-2965	1012	17	gains	gain	NOUN
cblr-2965	1012	18	tax	tax	NOUN
cblr-2965	1012	19	rate	rate	NOUN
cblr-2965	1012	20	than	than	SCONJ
cblr-2965	1012	21	do	do	VERB
cblr-2965	1012	22	investors	investor	NOUN
cblr-2965	1012	23	who	who	PRON
cblr-2965	1012	24	hold	hold	VERB
cblr-2965	1012	25	the	the	DET
cblr-2965	1012	26	shares	share	NOUN
cblr-2965	1012	27	for	for	ADP
cblr-2965	1012	28	more	more	ADJ
cblr-2965	1012	29	than	than	ADP
cblr-2965	1012	30	one	one	NUM
cblr-2965	1012	31	year	year	NOUN
cblr-2965	1012	32	.	.	PUNCT
cblr-2965	1013	1	[	[	X
cblr-2965	1013	2	vol	vol	NOUN
cblr-2965	1013	3	.	.	NOUN
cblr-2965	1013	4	2008	2008	NUM
cblr-2965	1013	5	outweigh	outweigh	PROPN
cblr-2965	1013	6	"	"	PUNCT
cblr-2965	1013	7	the	the	DET
cblr-2965	1013	8	extra	extra	ADJ
cblr-2965	1013	9	returns	return	NOUN
cblr-2965	1013	10	that	that	PRON
cblr-2965	1013	11	investors	investor	NOUN
cblr-2965	1013	12	could	could	AUX
cblr-2965	1013	13	gain	gain	VERB
cblr-2965	1013	14	by	by	ADP
cblr-2965	1013	15	chasing	chase	VERB
cblr-2965	1013	16	this	this	DET
cblr-2965	1013	17	performance	performance	NOUN
cblr-2965	1013	18	persistence.247	persistence.247	NOUN
cblr-2965	1013	19	interestingly	interestingly	ADV
cblr-2965	1013	20	,	,	PUNCT
cblr-2965	1013	21	in	in	ADP
cblr-2965	1013	22	one	one	NUM
cblr-2965	1013	23	survey	survey	NOUN
cblr-2965	1013	24	,	,	PUNCT
cblr-2965	1013	25	most	most	ADJ
cblr-2965	1013	26	mutual	mutual	ADJ
cblr-2965	1013	27	fund	fund	NOUN
cblr-2965	1013	28	investors	investor	NOUN
cblr-2965	1013	29	appeared	appear	VERB
cblr-2965	1013	30	to	to	PART
cblr-2965	1013	31	indicate	indicate	VERB
cblr-2965	1013	32	that	that	SCONJ
cblr-2965	1013	33	they	they	PRON
cblr-2965	1013	34	realized	realize	VERB
cblr-2965	1013	35	that	that	SCONJ
cblr-2965	1013	36	high	high	ADJ
cblr-2965	1013	37	past	past	NOUN
cblr-2965	1013	38	performance	performance	NOUN
cblr-2965	1013	39	was	be	AUX
cblr-2965	1013	40	not	not	PART
cblr-2965	1013	41	predictive	predictive	ADJ
cblr-2965	1013	42	of	of	ADP
cblr-2965	1013	43	future	future	ADJ
cblr-2965	1013	44	performance	performance	NOUN
cblr-2965	1013	45	.	.	PUNCT
cblr-2965	1014	1	in	in	ADP
cblr-2965	1014	2	the	the	DET
cblr-2965	1014	3	joint	joint	ADJ
cblr-2965	1014	4	survey	survey	NOUN
cblr-2965	1014	5	by	by	ADP
cblr-2965	1014	6	the	the	DET
cblr-2965	1014	7	sec	sec	PROPN
cblr-2965	1014	8	and	and	CCONJ
cblr-2965	1014	9	the	the	DET
cblr-2965	1014	10	office	office	NOUN
cblr-2965	1014	11	of	of	ADP
cblr-2965	1014	12	the	the	DET
cblr-2965	1014	13	comptroller	comptroller	NOUN
cblr-2965	1014	14	of	of	ADP
cblr-2965	1014	15	the	the	DET
cblr-2965	1014	16	currency	currency	NOUN
cblr-2965	1014	17	of	of	ADP
cblr-2965	1014	18	mutual	mutual	ADJ
cblr-2965	1014	19	fund	fund	NOUN
cblr-2965	1014	20	investors	investor	NOUN
cblr-2965	1014	21	,	,	PUNCT
cblr-2965	1014	22	71	71	NUM
cblr-2965	1014	23	%	%	NOUN
cblr-2965	1014	24	of	of	ADP
cblr-2965	1014	25	those	those	PRON
cblr-2965	1014	26	surveyed	survey	VERB
cblr-2965	1014	27	expected	expect	VERB
cblr-2965	1014	28	that	that	SCONJ
cblr-2965	1014	29	a	a	DET
cblr-2965	1014	30	fund	fund	NOUN
cblr-2965	1014	31	with	with	ADP
cblr-2965	1014	32	"	"	PUNCT
cblr-2965	1014	33	good	good	ADJ
cblr-2965	1014	34	performance	performance	NOUN
cblr-2965	1014	35	"	"	PUNCT
cblr-2965	1014	36	in	in	ADP
cblr-2965	1014	37	the	the	DET
cblr-2965	1014	38	previous	previous	ADJ
cblr-2965	1014	39	year	year	NOUN
cblr-2965	1014	40	would	would	AUX
cblr-2965	1014	41	have	have	VERB
cblr-2965	1014	42	only	only	ADV
cblr-2965	1014	43	"	"	PUNCT
cblr-2965	1014	44	about	about	ADP
cblr-2965	1014	45	average	average	ADJ
cblr-2965	1014	46	"	"	PUNCT
cblr-2965	1014	47	performance	performance	NOUN
cblr-2965	1014	48	the	the	DET
cblr-2965	1014	49	next	next	ADJ
cblr-2965	1014	50	year.248	year.248	NOUN
cblr-2965	1014	51	yet	yet	ADV
cblr-2965	1014	52	,	,	PUNCT
cblr-2965	1014	53	despite	despite	SCONJ
cblr-2965	1014	54	this	this	DET
cblr-2965	1014	55	knowledge	knowledge	NOUN
cblr-2965	1014	56	,	,	PUNCT
cblr-2965	1014	57	investors	investor	NOUN
cblr-2965	1014	58	continue	continue	VERB
cblr-2965	1014	59	to	to	PART
cblr-2965	1014	60	put	put	VERB
cblr-2965	1014	61	great	great	ADJ
cblr-2965	1014	62	weight	weight	NOUN
cblr-2965	1014	63	on	on	ADP
cblr-2965	1014	64	a	a	DET
cblr-2965	1014	65	fund	fund	NOUN
cblr-2965	1014	66	's	's	PART
cblr-2965	1014	67	past	past	ADJ
cblr-2965	1014	68	returns	return	NOUN
cblr-2965	1014	69	,	,	PUNCT
cblr-2965	1014	70	as	as	SCONJ
cblr-2965	1014	71	noted	note	VERB
cblr-2965	1014	72	above.2"9	above.2"9	NOUN
cblr-2965	1014	73	a	a	DET
cblr-2965	1014	74	recent	recent	ADJ
cblr-2965	1014	75	experiment	experiment	NOUN
cblr-2965	1014	76	also	also	ADV
cblr-2965	1014	77	demonstrates	demonstrate	VERB
cblr-2965	1014	78	the	the	DET
cblr-2965	1014	79	extent	extent	NOUN
cblr-2965	1014	80	to	to	PART
cblr-2965	1014	81	which	which	PRON
cblr-2965	1014	82	investors	investor	NOUN
cblr-2965	1014	83	will	will	AUX
cblr-2965	1014	84	irrationally	irrationally	ADV
cblr-2965	1014	85	chase	chase	VERB
cblr-2965	1014	86	high	high	ADJ
cblr-2965	1014	87	past	past	ADJ
cblr-2965	1014	88	returns	return	NOUN
cblr-2965	1014	89	.	.	PUNCT
cblr-2965	1015	1	as	as	SCONJ
cblr-2965	1015	2	discussed	discuss	VERB
cblr-2965	1015	3	above	above	ADV
cblr-2965	1015	4	,	,	PUNCT
cblr-2965	1015	5	choi	choi	NOUN
cblr-2965	1015	6	,	,	PUNCT
cblr-2965	1015	7	laibson	laibson	NOUN
cblr-2965	1015	8	and	and	CCONJ
cblr-2965	1015	9	madrian	madrian	ADJ
cblr-2965	1015	10	asked	ask	VERB
cblr-2965	1015	11	participants	participant	NOUN
cblr-2965	1015	12	to	to	PART
cblr-2965	1015	13	choose	choose	VERB
cblr-2965	1015	14	among	among	ADP
cblr-2965	1015	15	s&p	s&p	PROPN
cblr-2965	1015	16	500	500	NUM
cblr-2965	1015	17	index	index	NOUN
cblr-2965	1015	18	funds	fund	NOUN
cblr-2965	1015	19	with	with	ADP
cblr-2965	1015	20	different	different	ADJ
cblr-2965	1015	21	expense	expense	NOUN
cblr-2965	1015	22	ratios	ratio	NOUN
cblr-2965	1015	23	and	and	CCONJ
cblr-2965	1015	24	different	different	ADJ
cblr-2965	1015	25	inception	inception	NOUN
cblr-2965	1015	26	dates.25	dates.25	NOUN
cblr-2965	1015	27	°	°	ADP
cblr-2965	1015	28	the	the	DET
cblr-2965	1015	29	higher	high	ADJ
cblr-2965	1015	30	-	-	PUNCT
cblr-2965	1015	31	expense	expense	NOUN
cblr-2965	1015	32	funds	fund	NOUN
cblr-2965	1015	33	had	have	VERB
cblr-2965	1015	34	higher	high	ADJ
cblr-2965	1015	35	past	past	ADP
cblr-2965	1015	36	annualized	annualize	VERB
cblr-2965	1015	37	returns	return	NOUN
cblr-2965	1015	38	,	,	PUNCT
cblr-2965	1015	39	but	but	CCONJ
cblr-2965	1015	40	only	only	ADV
cblr-2965	1015	41	because	because	SCONJ
cblr-2965	1015	42	they	they	PRON
cblr-2965	1015	43	had	have	VERB
cblr-2965	1015	44	different	different	ADJ
cblr-2965	1015	45	inception	inception	ADJ
cblr-2965	1015	46	dates	date	NOUN
cblr-2965	1015	47	than	than	ADP
cblr-2965	1015	48	the	the	DET
cblr-2965	1015	49	other	other	ADJ
cblr-2965	1015	50	funds.2	funds.2	NOUN
cblr-2965	1015	51	"	"	PUNCT
cblr-2965	1015	52	'	'	PUNCT
cblr-2965	1015	53	participants	participant	NOUN
cblr-2965	1015	54	nonetheless	nonetheless	ADV
cblr-2965	1015	55	chose	choose	VERB
cblr-2965	1015	56	the	the	DET
cblr-2965	1015	57	index	index	NOUN
cblr-2965	1015	58	funds	fund	NOUN
cblr-2965	1015	59	that	that	PRON
cblr-2965	1015	60	had	have	VERB
cblr-2965	1015	61	the	the	DET
cblr-2965	1015	62	higher	high	ADJ
cblr-2965	1015	63	past	past	ADJ
cblr-2965	1015	64	returns	return	NOUN
cblr-2965	1015	65	,	,	PUNCT
cblr-2965	1015	66	even	even	ADV
cblr-2965	1015	67	though	though	SCONJ
cblr-2965	1015	68	these	these	DET
cblr-2965	1015	69	higher	high	ADJ
cblr-2965	1015	70	-	-	PUNCT
cblr-2965	1015	71	expense	expense	NOUN
cblr-2965	1015	72	funds	fund	NOUN
cblr-2965	1015	73	would	would	AUX
cblr-2965	1015	74	necessarily	necessarily	ADV
cblr-2965	1015	75	underperform	underperform	VERB
cblr-2965	1015	76	the	the	DET
cblr-2965	1015	77	lower	low	ADJ
cblr-2965	1015	78	-	-	PUNCT
cblr-2965	1015	79	expense	expense	NOUN
cblr-2965	1015	80	funds	fund	NOUN
cblr-2965	1015	81	in	in	ADP
cblr-2965	1015	82	the	the	DET
cblr-2965	1015	83	future.2	future.2	PROPN
cblr-2965	1015	84	3	3	NUM
cblr-2965	1015	85	.	.	PUNCT
cblr-2965	1016	1	summary	summary	NOUN
cblr-2965	1016	2	and	and	CCONJ
cblr-2965	1016	3	analysis	analysis	NOUN
cblr-2965	1016	4	in	in	ADP
cblr-2965	1016	5	choosing	choose	VERB
cblr-2965	1016	6	mutual	mutual	ADJ
cblr-2965	1016	7	funds	fund	NOUN
cblr-2965	1016	8	,	,	PUNCT
cblr-2965	1016	9	investors	investor	NOUN
cblr-2965	1016	10	give	give	VERB
cblr-2965	1016	11	too	too	ADV
cblr-2965	1016	12	little	little	ADJ
cblr-2965	1016	13	weight	weight	NOUN
cblr-2965	1016	14	to	to	ADP
cblr-2965	1016	15	important	important	ADJ
cblr-2965	1016	16	factors	factor	NOUN
cblr-2965	1016	17	such	such	ADJ
cblr-2965	1016	18	as	as	ADP
cblr-2965	1016	19	a	a	DET
cblr-2965	1016	20	fund	fund	NOUN
cblr-2965	1016	21	's	's	PART
cblr-2965	1016	22	risk	risk	NOUN
cblr-2965	1016	23	and	and	CCONJ
cblr-2965	1016	24	ongoing	ongoing	ADJ
cblr-2965	1016	25	247	247	NUM
cblr-2965	1016	26	keith	keith	PROPN
cblr-2965	1016	27	cuthbertson	cuthbertson	PROPN
cblr-2965	1016	28	,	,	PUNCT
cblr-2965	1016	29	dirk	dirk	PROPN
cblr-2965	1016	30	nitzsche	nitzsche	PROPN
cblr-2965	1016	31	&	&	CCONJ
cblr-2965	1016	32	niall	niall	PROPN
cblr-2965	1016	33	o'sullivan	o'sullivan	PROPN
cblr-2965	1016	34	,	,	PUNCT
cblr-2965	1016	35	mutual	mutual	ADJ
cblr-2965	1016	36	fund	fund	NOUN
cblr-2965	1016	37	performance	performance	NOUN
cblr-2965	1016	38	69	69	NUM
cblr-2965	1016	39	(	(	PUNCT
cblr-2965	1016	40	dec	dec	PROPN
cblr-2965	1016	41	.	.	PROPN
cblr-2965	1016	42	12	12	NUM
cblr-2965	1016	43	,	,	PUNCT
cblr-2965	1016	44	2006	2006	NUM
cblr-2965	1016	45	)	)	PUNCT
cblr-2965	1016	46	(	(	PUNCT
cblr-2965	1016	47	unpublished	unpublished	ADJ
cblr-2965	1016	48	manuscript	manuscript	NOUN
cblr-2965	1016	49	,	,	PUNCT
cblr-2965	1016	50	available	available	ADJ
cblr-2965	1016	51	at	at	ADP
cblr-2965	1016	52	http://ssrn.com/abstract=955807	http://ssrn.com/abstract=955807	NOUN
cblr-2965	1016	53	)	)	PUNCT
cblr-2965	1016	54	.	.	PUNCT
cblr-2965	1017	1	2	2	NUM
cblr-2965	1017	2	'	'	PART
cblr-2965	1017	3	alexander	alexander	NOUN
cblr-2965	1017	4	et	et	PROPN
cblr-2965	1017	5	al	al	PROPN
cblr-2965	1017	6	.	.	PROPN
cblr-2965	1017	7	,	,	PUNCT
cblr-2965	1017	8	supra	supra	PROPN
cblr-2965	1017	9	note	note	PROPN
cblr-2965	1017	10	151	151	NUM
cblr-2965	1017	11	,	,	PUNCT
cblr-2965	1017	12	at	at	ADP
cblr-2965	1017	13	309	309	NUM
cblr-2965	1017	14	-	-	SYM
cblr-2965	1017	15	11	11	NUM
cblr-2965	1017	16	&	&	CCONJ
cblr-2965	1017	17	tbl.5	tbl.5	NOUN
cblr-2965	1017	18	.	.	PUNCT
cblr-2965	1018	1	249	249	NUM
cblr-2965	1018	2	in	in	ADP
cblr-2965	1018	3	addition	addition	NOUN
cblr-2965	1018	4	,	,	PUNCT
cblr-2965	1018	5	although	although	SCONJ
cblr-2965	1018	6	most	most	ADJ
cblr-2965	1018	7	of	of	ADP
cblr-2965	1018	8	those	those	PRON
cblr-2965	1018	9	surveyed	survey	VERB
cblr-2965	1018	10	claimed	claim	VERB
cblr-2965	1018	11	to	to	PART
cblr-2965	1018	12	expect	expect	VERB
cblr-2965	1018	13	only	only	ADV
cblr-2965	1018	14	"	"	PUNCT
cblr-2965	1018	15	[	[	X
cblr-2965	1018	16	albout	albout	ADP
cblr-2965	1018	17	average	average	ADJ
cblr-2965	1018	18	"	"	PUNCT
cblr-2965	1018	19	performance	performance	NOUN
cblr-2965	1018	20	,	,	PUNCT
cblr-2965	1018	21	more	more	ADJ
cblr-2965	1018	22	than	than	ADP
cblr-2965	1018	23	four	four	NUM
cblr-2965	1018	24	times	time	NOUN
cblr-2965	1018	25	as	as	ADV
cblr-2965	1018	26	many	many	ADJ
cblr-2965	1018	27	of	of	ADP
cblr-2965	1018	28	the	the	DET
cblr-2965	1018	29	surveyed	survey	VERB
cblr-2965	1018	30	investors	investor	NOUN
cblr-2965	1018	31	expected	expect	VERB
cblr-2965	1018	32	that	that	SCONJ
cblr-2965	1018	33	such	such	DET
cblr-2965	1018	34	a	a	DET
cblr-2965	1018	35	fund	fund	NOUN
cblr-2965	1018	36	would	would	AUX
cblr-2965	1018	37	have	have	VERB
cblr-2965	1018	38	"	"	PUNCT
cblr-2965	1018	39	above	above	ADP
cblr-2965	1018	40	average	average	ADJ
cblr-2965	1018	41	"	"	PUNCT
cblr-2965	1018	42	performance	performance	NOUN
cblr-2965	1018	43	than	than	ADP
cblr-2965	1018	44	"	"	PUNCT
cblr-2965	1018	45	below	below	ADP
cblr-2965	1018	46	average	average	ADJ
cblr-2965	1018	47	"	"	PUNCT
cblr-2965	1018	48	performance	performance	NOUN
cblr-2965	1018	49	(	(	PUNCT
cblr-2965	1018	50	24	24	NUM
cblr-2965	1018	51	%	%	NOUN
cblr-2965	1018	52	vs.	vs.	ADP
cblr-2965	1018	53	5	5	NUM
cblr-2965	1018	54	%	%	NOUN
cblr-2965	1018	55	)	)	PUNCT
cblr-2965	1018	56	.	.	PUNCT
cblr-2965	1019	1	i	i	PRON
cblr-2965	1019	2	d.	d.	PROPN
cblr-2965	1019	3	at	at	ADP
cblr-2965	1019	4	309	309	NUM
cblr-2965	1019	5	-	-	SYM
cblr-2965	1019	6	11	11	NUM
cblr-2965	1019	7	&	&	CCONJ
cblr-2965	1019	8	tbl.5	tbl.5	NOUN
cblr-2965	1019	9	.	.	PUNCT
cblr-2965	1020	1	250	250	NUM
cblr-2965	1020	2	choi	choi	NOUN
cblr-2965	1020	3	et	et	PROPN
cblr-2965	1020	4	al	al	PROPN
cblr-2965	1020	5	.	.	PROPN
cblr-2965	1020	6	,	,	PUNCT
cblr-2965	1020	7	supra	supra	PROPN
cblr-2965	1020	8	note	note	NOUN
cblr-2965	1020	9	208	208	NUM
cblr-2965	1020	10	,	,	PUNCT
cblr-2965	1020	11	at	at	ADP
cblr-2965	1020	12	3	3	NUM
cblr-2965	1020	13	-	-	SYM
cblr-2965	1020	14	4	4	NUM
cblr-2965	1020	15	.	.	PUNCT
cblr-2965	1021	1	a	a	DET
cblr-2965	1021	2	fund	fund	NOUN
cblr-2965	1021	3	's	's	PART
cblr-2965	1021	4	inception	inception	NOUN
cblr-2965	1021	5	date	date	NOUN
cblr-2965	1021	6	is	be	AUX
cblr-2965	1021	7	the	the	DET
cblr-2965	1021	8	date	date	NOUN
cblr-2965	1021	9	it	it	PRON
cblr-2965	1021	10	begins	begin	VERB
cblr-2965	1021	11	operations	operation	NOUN
cblr-2965	1021	12	.	.	PUNCT
cblr-2965	1022	1	251	251	NUM
cblr-2965	1023	1	i	i	PRON
cblr-2965	1023	2	d.	d.	PROPN
cblr-2965	1023	3	at	at	ADP
cblr-2965	1023	4	4	4	NUM
cblr-2965	1023	5	.	.	NUM
cblr-2965	1023	6	252	252	NUM
cblr-2965	1024	1	i	i	PRON
cblr-2965	1024	2	d.	d.	PROPN
cblr-2965	1024	3	no	no	INTJ
cblr-2965	1024	4	.	.	PUNCT
cblr-2965	1025	1	3:934	3:934	X
cblr-2965	1025	2	]	]	X
cblr-2965	1025	3	mutual	mutual	ADJ
cblr-2965	1025	4	fund	fund	NOUN
cblr-2965	1025	5	investors	investors	PROPN
cblr-2965	1025	6	columbia	columbia	PROPN
cblr-2965	1025	7	business	business	PROPN
cblr-2965	1025	8	la	la	PROPN
cblr-2965	1025	9	w	w	PROPN
cblr-2965	1025	10	review	review	NOUN
cblr-2965	1025	11	expenses	expense	NOUN
cblr-2965	1025	12	.	.	PUNCT
cblr-2965	1026	1	also	also	ADV
cblr-2965	1026	2	,	,	PUNCT
cblr-2965	1026	3	they	they	PRON
cblr-2965	1026	4	can	can	AUX
cblr-2965	1026	5	not	not	PART
cblr-2965	1026	6	seem	seem	VERB
cblr-2965	1026	7	to	to	PART
cblr-2965	1026	8	help	help	VERB
cblr-2965	1026	9	themselves	themselves	PRON
cblr-2965	1026	10	from	from	ADP
cblr-2965	1026	11	overweighting	overweighte	VERB
cblr-2965	1026	12	past	past	ADJ
cblr-2965	1026	13	returns	return	NOUN
cblr-2965	1026	14	,	,	PUNCT
cblr-2965	1026	15	a	a	DET
cblr-2965	1026	16	factor	factor	NOUN
cblr-2965	1026	17	with	with	ADP
cblr-2965	1026	18	little	little	ADJ
cblr-2965	1026	19	predictive	predictive	ADJ
cblr-2965	1026	20	value	value	NOUN
cblr-2965	1026	21	for	for	ADP
cblr-2965	1026	22	future	future	ADJ
cblr-2965	1026	23	returns	return	NOUN
cblr-2965	1026	24	.	.	PUNCT
cblr-2965	1027	1	the	the	DET
cblr-2965	1027	2	tendency	tendency	NOUN
cblr-2965	1027	3	to	to	PART
cblr-2965	1027	4	chase	chase	VERB
cblr-2965	1027	5	past	past	ADJ
cblr-2965	1027	6	returns	return	NOUN
cblr-2965	1027	7	also	also	ADV
cblr-2965	1027	8	may	may	AUX
cblr-2965	1027	9	help	help	VERB
cblr-2965	1027	10	explain	explain	VERB
cblr-2965	1027	11	fund	fund	NOUN
cblr-2965	1027	12	investors	investor	NOUN
cblr-2965	1027	13	'	'	PART
cblr-2965	1027	14	choice	choice	NOUN
cblr-2965	1027	15	of	of	ADP
cblr-2965	1027	16	asset	asset	NOUN
cblr-2965	1027	17	classes	class	NOUN
cblr-2965	1027	18	.	.	PUNCT
cblr-2965	1028	1	investors	investor	NOUN
cblr-2965	1028	2	tend	tend	VERB
cblr-2965	1028	3	to	to	PART
cblr-2965	1028	4	be	be	AUX
cblr-2965	1028	5	optimistic	optimistic	ADJ
cblr-2965	1028	6	about	about	ADP
cblr-2965	1028	7	future	future	ADJ
cblr-2965	1028	8	stock	stock	NOUN
cblr-2965	1028	9	prices	price	NOUN
cblr-2965	1028	10	during	during	ADP
cblr-2965	1028	11	bull	bull	NOUN
cblr-2965	1028	12	markets	market	NOUN
cblr-2965	1028	13	and	and	CCONJ
cblr-2965	1028	14	pessimistic	pessimistic	ADJ
cblr-2965	1028	15	about	about	ADP
cblr-2965	1028	16	them	they	PRON
cblr-2965	1028	17	.during	.during	AUX
cblr-2965	1028	18	bear	bear	VERB
cblr-2965	1028	19	markets.253	markets.253	PROPN
cblr-2965	1028	20	thus	thus	ADV
cblr-2965	1028	21	,	,	PUNCT
cblr-2965	1028	22	it	it	PRON
cblr-2965	1028	23	is	be	AUX
cblr-2965	1028	24	unsurprising	unsurprising	ADJ
cblr-2965	1028	25	that	that	SCONJ
cblr-2965	1028	26	aggregate	aggregate	ADJ
cblr-2965	1028	27	fund	fund	NOUN
cblr-2965	1028	28	flows	flow	NOUN
cblr-2965	1028	29	into	into	ADP
cblr-2965	1028	30	equity	equity	NOUN
cblr-2965	1028	31	mutual	mutual	ADJ
cblr-2965	1028	32	funds	fund	NOUN
cblr-2965	1028	33	increase	increase	VERB
cblr-2965	1028	34	following	follow	VERB
cblr-2965	1028	35	stock	stock	NOUN
cblr-2965	1028	36	market	market	NOUN
cblr-2965	1028	37	gains.25	gains.25	NOUN
cblr-2965	1028	38	unfortunately	unfortunately	ADV
cblr-2965	1028	39	,	,	PUNCT
cblr-2965	1028	40	this	this	DET
cblr-2965	1028	41	behavior	behavior	NOUN
cblr-2965	1028	42	is	be	AUX
cblr-2965	1028	43	unwise	unwise	ADJ
cblr-2965	1028	44	.	.	PUNCT
cblr-2965	1029	1	future	future	ADJ
cblr-2965	1029	2	returns	return	NOUN
cblr-2965	1029	3	do	do	AUX
cblr-2965	1029	4	not	not	PART
cblr-2965	1029	5	tend	tend	VERB
cblr-2965	1029	6	to	to	PART
cblr-2965	1029	7	be	be	AUX
cblr-2965	1029	8	higher	high	ADJ
cblr-2965	1029	9	following	follow	VERB
cblr-2965	1029	10	market	market	NOUN
cblr-2965	1029	11	rises	rise	NOUN
cblr-2965	1029	12	than	than	SCONJ
cblr-2965	1029	13	market	market	NOUN
cblr-2965	1029	14	declines.255	declines.255	ADJ
cblr-2965	1029	15	f.	f.	PROPN
cblr-2965	1029	16	financial	financial	ADJ
cblr-2965	1029	17	advisers	adviser	NOUN
cblr-2965	1029	18	provide	provide	VERB
cblr-2965	1029	19	little	little	ADJ
cblr-2965	1029	20	help	help	NOUN
cblr-2965	1029	21	many	many	ADJ
cblr-2965	1029	22	investors	investor	NOUN
cblr-2965	1029	23	consult	consult	VERB
cblr-2965	1029	24	a	a	DET
cblr-2965	1029	25	professional	professional	ADJ
cblr-2965	1029	26	financial	financial	ADJ
cblr-2965	1029	27	adviser	adviser	NOUN
cblr-2965	1029	28	before	before	ADP
cblr-2965	1029	29	buying	buy	VERB
cblr-2965	1029	30	a	a	DET
cblr-2965	1029	31	mutual	mutual	ADJ
cblr-2965	1029	32	fund	fund	NOUN
cblr-2965	1029	33	,	,	PUNCT
cblr-2965	1029	34	and	and	CCONJ
cblr-2965	1029	35	investors	investor	NOUN
cblr-2965	1029	36	pay	pay	VERB
cblr-2965	1029	37	a	a	DET
cblr-2965	1029	38	high	high	ADJ
cblr-2965	1029	39	price	price	NOUN
cblr-2965	1029	40	for	for	ADP
cblr-2965	1029	41	doing	do	VERB
cblr-2965	1029	42	so	so	ADV
cblr-2965	1029	43	.	.	PUNCT
cblr-2965	1030	1	little	little	ADJ
cblr-2965	1030	2	evidence	evidence	NOUN
cblr-2965	1030	3	exists	exist	VERB
cblr-2965	1030	4	,	,	PUNCT
cblr-2965	1030	5	however	however	ADV
cblr-2965	1030	6	,	,	PUNCT
cblr-2965	1030	7	that	that	SCONJ
cblr-2965	1030	8	these	these	DET
cblr-2965	1030	9	advisers	adviser	NOUN
cblr-2965	1030	10	provide	provide	VERB
cblr-2965	1030	11	tangible	tangible	ADJ
cblr-2965	1030	12	benefits	benefit	NOUN
cblr-2965	1030	13	.	.	PUNCT
cblr-2965	1031	1	on	on	ADP
cblr-2965	1031	2	balance	balance	NOUN
cblr-2965	1031	3	,	,	PUNCT
cblr-2965	1031	4	therefore	therefore	ADV
cblr-2965	1031	5	,	,	PUNCT
cblr-2965	1031	6	fund	fund	NOUN
cblr-2965	1031	7	investors	investor	NOUN
cblr-2965	1031	8	in	in	ADP
cblr-2965	1031	9	general	general	ADJ
cblr-2965	1031	10	may	may	AUX
cblr-2965	1031	11	not	not	PART
cblr-2965	1031	12	be	be	AUX
cblr-2965	1031	13	better	well	ADJ
cblr-2965	1031	14	off	off	ADP
cblr-2965	1031	15	using	use	VERB
cblr-2965	1031	16	professional	professional	ADJ
cblr-2965	1031	17	advisers	adviser	NOUN
cblr-2965	1031	18	.	.	PUNCT
cblr-2965	1032	1	1	1	X
cblr-2965	1032	2	.	.	X
cblr-2965	1032	3	widespread	widespread	ADJ
cblr-2965	1032	4	use	use	NOUN
cblr-2965	1032	5	of	of	ADP
cblr-2965	1032	6	financial	financial	ADJ
cblr-2965	1032	7	advisers	adviser	NOUN
cblr-2965	1032	8	many	many	ADJ
cblr-2965	1032	9	mutual	mutual	ADJ
cblr-2965	1032	10	fund	fund	NOUN
cblr-2965	1032	11	investors	investor	NOUN
cblr-2965	1032	12	use	use	VERB
cblr-2965	1032	13	financial	financial	ADJ
cblr-2965	1032	14	advisers	adviser	NOUN
cblr-2965	1032	15	.	.	PUNCT
cblr-2965	1033	1	the	the	DET
cblr-2965	1033	2	ici	ici	PROPN
cblr-2965	1033	3	survey	survey	NOUN
cblr-2965	1033	4	found	find	VERB
cblr-2965	1033	5	that	that	SCONJ
cblr-2965	1033	6	a	a	DET
cblr-2965	1033	7	professional	professional	ADJ
cblr-2965	1033	8	financial	financial	ADJ
cblr-2965	1033	9	adviser	adviser	NOUN
cblr-2965	1033	10	is	be	AUX
cblr-2965	1033	11	the	the	DET
cblr-2965	1033	12	most	most	ADV
cblr-2965	1033	13	common	common	ADJ
cblr-2965	1033	14	source	source	NOUN
cblr-2965	1033	15	of	of	ADP
cblr-2965	1033	16	information	information	NOUN
cblr-2965	1033	17	consulted	consult	VERB
cblr-2965	1033	18	by	by	ADP
cblr-2965	1033	19	mutual	mutual	ADJ
cblr-2965	1033	20	fund	fund	NOUN
cblr-2965	1033	21	investors	investor	NOUN
cblr-2965	1033	22	,	,	PUNCT
cblr-2965	1033	23	with	with	ADP
cblr-2965	1033	24	73	73	NUM
cblr-2965	1033	25	%	%	NOUN
cblr-2965	1033	26	of	of	ADP
cblr-2965	1033	27	those	those	PRON
cblr-2965	1033	28	surveyed	survey	VERB
cblr-2965	1033	29	responding	respond	VERB
cblr-2965	1033	30	that	that	SCONJ
cblr-2965	1033	31	they	they	PRON
cblr-2965	1033	32	consulted	consult	VERB
cblr-2965	1033	33	a	a	DET
cblr-2965	1033	34	professional	professional	ADJ
cblr-2965	1033	35	financial	financial	ADJ
cblr-2965	1033	36	adviser	adviser	NOUN
cblr-2965	1033	37	before	before	ADP
cblr-2965	1033	38	buying	buy	VERB
cblr-2965	1033	39	a	a	DET
cblr-2965	1033	40	fund.256	fund.256	PROPN
cblr-2965	1033	41	other	other	ADJ
cblr-2965	1033	42	researchers	researcher	NOUN
cblr-2965	1033	43	have	have	AUX
cblr-2965	1033	44	made	make	VERB
cblr-2965	1033	45	similar	similar	ADJ
cblr-2965	1033	46	findings	finding	NOUN
cblr-2965	1033	47	.	.	PUNCT
cblr-2965	1034	1	for	for	ADP
cblr-2965	1034	2	example	example	NOUN
cblr-2965	1034	3	,	,	PUNCT
cblr-2965	1034	4	capon	capon	NOUN
cblr-2965	1034	5	,	,	PUNCT
cblr-2965	1034	6	fitzsimons	fitzsimon	NOUN
cblr-2965	1034	7	and	and	CCONJ
cblr-2965	1034	8	prince	prince	PROPN
cblr-2965	1034	9	's	's	PART
cblr-2965	1034	10	survey	survey	NOUN
cblr-2965	1034	11	of	of	ADP
cblr-2965	1034	12	households	household	NOUN
cblr-2965	1034	13	that	that	PRON
cblr-2965	1034	14	invest	invest	VERB
cblr-2965	1034	15	in	in	ADP
cblr-2965	1034	16	mutual	mutual	ADJ
cblr-2965	1034	17	funds	fund	NOUN
cblr-2965	1034	18	found	find	VERB
cblr-2965	1034	19	that	that	SCONJ
cblr-2965	1034	20	-	-	PUNCT
cblr-2965	1034	21	out	out	NOUN
cblr-2965	1034	22	of	of	ADP
cblr-2965	1034	23	nine	nine	NUM
cblr-2965	1034	24	sources	source	NOUN
cblr-2965	1034	25	of	of	ADP
cblr-2965	1034	26	information	information	NOUN
cblr-2965	1034	27	-	-	PUNCT
cblr-2965	1034	28	investors	investor	NOUN
cblr-2965	1034	29	identified	identify	VERB
cblr-2965	1034	30	commission	commission	NOUN
cblr-2965	1034	31	-	-	PUNCT
cblr-2965	1034	32	based	base	VERB
cblr-2965	1034	33	financial	financial	ADJ
cblr-2965	1034	34	advisers	adviser	NOUN
cblr-2965	1034	35	as	as	ADP
cblr-2965	1034	36	their	their	PRON
cblr-2965	1034	37	third	third	ADJ
cblr-2965	1034	38	most	most	ADJ
cblr-2965	1034	39	"	"	PUNCT
cblr-2965	1034	40	werner	werner	PROPN
cblr-2965	1034	41	p.m.	p.m.	PROPN
cblr-2965	1034	42	de	de	PROPN
cblr-2965	1034	43	bondt	bondt	PROPN
cblr-2965	1034	44	,	,	PUNCT
cblr-2965	1034	45	betting	bet	VERB
cblr-2965	1034	46	on	on	ADP
cblr-2965	1034	47	trends	trend	NOUN
cblr-2965	1034	48	:	:	PUNCT
cblr-2965	1034	49	intuitive	intuitive	ADJ
cblr-2965	1034	50	forecasts	forecast	NOUN
cblr-2965	1034	51	of	of	ADP
cblr-2965	1034	52	financial	financial	ADJ
cblr-2965	1034	53	risk	risk	NOUN
cblr-2965	1034	54	and	and	CCONJ
cblr-2965	1034	55	return	return	NOUN
cblr-2965	1034	56	,	,	PUNCT
cblr-2965	1034	57	9	9	NUM
cblr-2965	1034	58	int'l	int'l	NOUN
cblr-2965	1034	59	.	.	PUNCT
cblr-2965	1035	1	j.	j.	PROPN
cblr-2965	1035	2	forecasting	forecast	VERB
cblr-2965	1035	3	355	355	NUM
cblr-2965	1035	4	(	(	PUNCT
cblr-2965	1035	5	1993	1993	NUM
cblr-2965	1035	6	)	)	PUNCT
cblr-2965	1035	7	.	.	PUNCT
cblr-2965	1036	1	24	24	NUM
cblr-2965	1036	2	jason	jason	PROPN
cblr-2965	1036	3	karceski	karceski	PROPN
cblr-2965	1036	4	,	,	PUNCT
cblr-2965	1036	5	returns	return	NOUN
cblr-2965	1036	6	-	-	PUNCT
cblr-2965	1036	7	chasing	chase	VERB
cblr-2965	1036	8	behavior	behavior	NOUN
cblr-2965	1036	9	,	,	PUNCT
cblr-2965	1036	10	mutual	mutual	ADJ
cblr-2965	1036	11	funds	fund	NOUN
cblr-2965	1036	12	,	,	PUNCT
cblr-2965	1036	13	and	and	CCONJ
cblr-2965	1036	14	beta	beta	NOUN
cblr-2965	1036	15	's	's	PART
cblr-2965	1036	16	death	death	NOUN
cblr-2965	1036	17	,	,	PUNCT
cblr-2965	1036	18	37	37	NUM
cblr-2965	1036	19	j.	j.	PROPN
cblr-2965	1036	20	fin	fin	PROPN
cblr-2965	1036	21	.	.	PUNCT
cblr-2965	1036	22	&	&	CCONJ
cblr-2965	1036	23	quantitative	quantitative	ADJ
cblr-2965	1036	24	analysis	analysis	NOUN
cblr-2965	1036	25	559	559	NUM
cblr-2965	1036	26	,	,	PUNCT
cblr-2965	1036	27	577	577	NUM
cblr-2965	1036	28	-	-	SYM
cblr-2965	1036	29	79	79	NUM
cblr-2965	1036	30	(	(	PUNCT
cblr-2965	1036	31	2002	2002	NUM
cblr-2965	1036	32	)	)	PUNCT
cblr-2965	1036	33	.	.	PUNCT
cblr-2965	1037	1	5	5	NUM
cblr-2965	1037	2	i	i	PRON
cblr-2965	1037	3	d.	d.	PROPN
cblr-2965	1037	4	at	at	ADP
cblr-2965	1037	5	584	584	NUM
cblr-2965	1037	6	.	.	PROPN
cblr-2965	1037	7	256	256	NUM
cblr-2965	1037	8	ici	ici	NOUN
cblr-2965	1037	9	,	,	PUNCT
cblr-2965	1037	10	investor	investor	NOUN
cblr-2965	1037	11	preferences	preference	NOUN
cblr-2965	1037	12	,	,	PUNCT
cblr-2965	1037	13	supra	supra	PROPN
cblr-2965	1037	14	note	note	NOUN
cblr-2965	1037	15	31	31	NUM
cblr-2965	1037	16	,	,	PUNCT
cblr-2965	1037	17	at	at	ADP
cblr-2965	1037	18	4	4	NUM
cblr-2965	1037	19	fig.2	fig.2	NOUN
cblr-2965	1037	20	.	.	PUNCT
cblr-2965	1038	1	[	[	X
cblr-2965	1038	2	vol	vol	NOUN
cblr-2965	1038	3	.	.	NOUN
cblr-2965	1038	4	2008	2008	NUM
cblr-2965	1038	5	mutual	mutual	ADJ
cblr-2965	1038	6	fund	fund	NOUN
cblr-2965	1038	7	investors	investor	NOUN
cblr-2965	1038	8	important	important	ADJ
cblr-2965	1038	9	information	information	NOUN
cblr-2965	1038	10	source	source	NOUN
cblr-2965	1038	11	and	and	CCONJ
cblr-2965	1038	12	fee	fee	NOUN
cblr-2965	1038	13	-	-	PUNCT
cblr-2965	1038	14	based	base	VERB
cblr-2965	1038	15	financial	financial	ADJ
cblr-2965	1038	16	advisers	adviser	NOUN
cblr-2965	1038	17	as	as	ADP
cblr-2965	1038	18	their	their	PRON
cblr-2965	1038	19	seventh	seventh	ADJ
cblr-2965	1038	20	most	most	ADV
cblr-2965	1038	21	important	important	ADJ
cblr-2965	1038	22	.	.	PUNCT
cblr-2965	1038	23	"	"	PUNCT
cblr-2965	1039	1	at	at	ADP
cblr-2965	1039	2	first	first	ADJ
cblr-2965	1039	3	glance	glance	NOUN
cblr-2965	1039	4	,	,	PUNCT
cblr-2965	1039	5	the	the	DET
cblr-2965	1039	6	widespread	widespread	ADJ
cblr-2965	1039	7	use	use	NOUN
cblr-2965	1039	8	of	of	ADP
cblr-2965	1039	9	financial	financial	ADJ
cblr-2965	1039	10	advisers	adviser	NOUN
cblr-2965	1039	11	by	by	ADP
cblr-2965	1039	12	mutual	mutual	ADJ
cblr-2965	1039	13	fund	fund	NOUN
cblr-2965	1039	14	investors	investor	NOUN
cblr-2965	1039	15	is	be	AUX
cblr-2965	1039	16	encouraging	encouraging	ADJ
cblr-2965	1039	17	.	.	PUNCT
cblr-2965	1040	1	although	although	SCONJ
cblr-2965	1040	2	most	most	ADJ
cblr-2965	1040	3	investors	investor	NOUN
cblr-2965	1040	4	are	be	AUX
cblr-2965	1040	5	not	not	PART
cblr-2965	1040	6	financially	financially	ADV
cblr-2965	1040	7	sophisticated	sophisticated	ADJ
cblr-2965	1040	8	,	,	PUNCT
cblr-2965	1040	9	many	many	ADJ
cblr-2965	1040	10	are	be	AUX
cblr-2965	1040	11	receiving	receive	VERB
cblr-2965	1040	12	professional	professional	ADJ
cblr-2965	1040	13	advice	advice	NOUN
cblr-2965	1040	14	that	that	PRON
cblr-2965	1040	15	could	could	AUX
cblr-2965	1040	16	help	help	VERB
cblr-2965	1040	17	them	they	PRON
cblr-2965	1040	18	overcome	overcome	VERB
cblr-2965	1040	19	their	their	PRON
cblr-2965	1040	20	limitations	limitation	NOUN
cblr-2965	1040	21	.	.	PUNCT
cblr-2965	1041	1	thus	thus	ADV
cblr-2965	1041	2	,	,	PUNCT
cblr-2965	1041	3	professional	professional	ADJ
cblr-2965	1041	4	advisers	adviser	NOUN
cblr-2965	1041	5	may	may	AUX
cblr-2965	1041	6	help	help	VERB
cblr-2965	1041	7	investors	investor	NOUN
cblr-2965	1041	8	provide	provide	VERB
cblr-2965	1041	9	market	market	NOUN
cblr-2965	1041	10	discipline	discipline	NOUN
cblr-2965	1041	11	over	over	ADP
cblr-2965	1041	12	mutual	mutual	ADJ
cblr-2965	1041	13	funds	fund	NOUN
cblr-2965	1041	14	.	.	PUNCT
cblr-2965	1042	1	before	before	ADP
cblr-2965	1042	2	reaching	reach	VERB
cblr-2965	1042	3	such	such	DET
cblr-2965	1042	4	a	a	DET
cblr-2965	1042	5	conclusion	conclusion	NOUN
cblr-2965	1042	6	,	,	PUNCT
cblr-2965	1042	7	however	however	ADV
cblr-2965	1042	8	,	,	PUNCT
cblr-2965	1042	9	advisers	adviser	NOUN
cblr-2965	1042	10	'	'	PART
cblr-2965	1042	11	behavior	behavior	NOUN
cblr-2965	1042	12	must	must	AUX
cblr-2965	1042	13	be	be	AUX
cblr-2965	1042	14	understood	understand	VERB
cblr-2965	1042	15	.	.	PUNCT
cblr-2965	1043	1	2	2	X
cblr-2965	1043	2	.	.	X
cblr-2965	1043	3	survey	survey	NOUN
cblr-2965	1043	4	of	of	ADP
cblr-2965	1043	5	financial	financial	ADJ
cblr-2965	1043	6	advisers	adviser	NOUN
cblr-2965	1043	7	a	a	DET
cblr-2965	1043	8	recent	recent	ADJ
cblr-2965	1043	9	survey	survey	NOUN
cblr-2965	1043	10	by	by	ADP
cblr-2965	1043	11	jones	jones	PROPN
cblr-2965	1043	12	,	,	PUNCT
cblr-2965	1043	13	lesseig	lesseig	PROPN
cblr-2965	1043	14	,	,	PUNCT
cblr-2965	1043	15	and	and	CCONJ
cblr-2965	1043	16	smythe	smythe	NOUN
cblr-2965	1043	17	of	of	ADP
cblr-2965	1043	18	530	530	NUM
cblr-2965	1043	19	professional	professional	ADJ
cblr-2965	1043	20	financial	financial	ADJ
cblr-2965	1043	21	advisers	adviser	NOUN
cblr-2965	1043	22	asked	ask	VERB
cblr-2965	1043	23	them	they	PRON
cblr-2965	1043	24	about	about	ADP
cblr-2965	1043	25	the	the	DET
cblr-2965	1043	26	importance	importance	NOUN
cblr-2965	1043	27	that	that	SCONJ
cblr-2965	1043	28	fourteen	fourteen	NUM
cblr-2965	1043	29	fund	fund	NOUN
cblr-2965	1043	30	characteristics	characteristic	NOUN
cblr-2965	1043	31	played	play	VERB
cblr-2965	1043	32	in	in	ADP
cblr-2965	1043	33	their	their	PRON
cblr-2965	1043	34	recommendations	recommendation	NOUN
cblr-2965	1043	35	of	of	ADP
cblr-2965	1043	36	mutual	mutual	ADJ
cblr-2965	1043	37	funds	fund	NOUN
cblr-2965	1043	38	to	to	ADP
cblr-2965	1043	39	their	their	PRON
cblr-2965	1043	40	clients	client	NOUN
cblr-2965	1043	41	.	.	PUNCT
cblr-2965	1044	1	28	28	NUM
cblr-2965	1044	2	first	first	ADV
cblr-2965	1044	3	,	,	PUNCT
cblr-2965	1044	4	the	the	DET
cblr-2965	1044	5	good	good	ADJ
cblr-2965	1044	6	news	news	PROPN
cblr-2965	1044	7	.	.	PUNCT
cblr-2965	1045	1	financial	financial	ADJ
cblr-2965	1045	2	advisers	adviser	NOUN
cblr-2965	1045	3	ranked	rank	VERB
cblr-2965	1045	4	the	the	DET
cblr-2965	1045	5	fund	fund	NOUN
cblr-2965	1045	6	's	's	PART
cblr-2965	1045	7	objective	objective	NOUN
cblr-2965	1045	8	as	as	ADP
cblr-2965	1045	9	the	the	DET
cblr-2965	1045	10	second	second	ADJ
cblr-2965	1045	11	most	most	ADV
cblr-2965	1045	12	important	important	ADJ
cblr-2965	1045	13	factor	factor	NOUN
cblr-2965	1045	14	in	in	ADP
cblr-2965	1045	15	their	their	PRON
cblr-2965	1045	16	recommendations	recommendation	NOUN
cblr-2965	1045	17	.	.	PUNCT
cblr-2965	1046	1	259	259	NUM
cblr-2965	1046	2	this	this	PRON
cblr-2965	1046	3	is	be	AUX
cblr-2965	1046	4	a	a	DET
cblr-2965	1046	5	much	much	ADV
cblr-2965	1046	6	greater	great	ADJ
cblr-2965	1046	7	emphasis	emphasis	NOUN
cblr-2965	1046	8	than	than	SCONJ
cblr-2965	1046	9	investors	investor	NOUN
cblr-2965	1046	10	give	give	VERB
cblr-2965	1046	11	to	to	ADP
cblr-2965	1046	12	a	a	DET
cblr-2965	1046	13	fund	fund	NOUN
cblr-2965	1046	14	's	's	PART
cblr-2965	1046	15	objective	objective	NOUN
cblr-2965	1046	16	.	.	PUNCT
cblr-2965	1047	1	for	for	ADP
cblr-2965	1047	2	example	example	NOUN
cblr-2965	1047	3	,	,	PUNCT
cblr-2965	1047	4	the	the	DET
cblr-2965	1047	5	ici	ici	PROPN
cblr-2965	1047	6	survey	survey	NOUN
cblr-2965	1047	7	found	find	VERB
cblr-2965	1047	8	that	that	SCONJ
cblr-2965	1047	9	only	only	ADV
cblr-2965	1047	10	40	40	NUM
cblr-2965	1047	11	%	%	NOUN
cblr-2965	1047	12	of	of	ADP
cblr-2965	1047	13	investors	investor	NOUN
cblr-2965	1047	14	review	review	VERB
cblr-2965	1047	15	a	a	DET
cblr-2965	1047	16	fund	fund	NOUN
cblr-2965	1047	17	's	's	PART
cblr-2965	1047	18	objective	objective	NOUN
cblr-2965	1047	19	before	before	ADP
cblr-2965	1047	20	investing,20	investing,20	NOUN
cblr-2965	1047	21	and	and	CCONJ
cblr-2965	1047	22	capon	capon	NOUN
cblr-2965	1047	23	,	,	PUNCT
cblr-2965	1047	24	fitzsimons	fitzsimon	NOUN
cblr-2965	1047	25	,	,	PUNCT
cblr-2965	1047	26	and	and	CCONJ
cblr-2965	1047	27	prince	prince	PROPN
cblr-2965	1047	28	's	's	PART
cblr-2965	1047	29	survey	survey	NOUN
cblr-2965	1047	30	found	find	VERB
cblr-2965	1047	31	that	that	SCONJ
cblr-2965	1047	32	most	most	ADJ
cblr-2965	1047	33	investors	investor	NOUN
cblr-2965	1047	34	were	be	AUX
cblr-2965	1047	35	not	not	PART
cblr-2965	1047	36	even	even	ADV
cblr-2965	1047	37	aware	aware	ADJ
cblr-2965	1047	38	of	of	ADP
cblr-2965	1047	39	the	the	DET
cblr-2965	1047	40	types	type	NOUN
cblr-2965	1047	41	of	of	ADP
cblr-2965	1047	42	securities	security	NOUN
cblr-2965	1047	43	their	their	PRON
cblr-2965	1047	44	funds	fund	NOUN
cblr-2965	1047	45	hold.261	hold.261	X
cblr-2965	1047	46	217	217	NUM
cblr-2965	1047	47	capon	capon	NOUN
cblr-2965	1047	48	et	et	NOUN
cblr-2965	1047	49	al	al	PROPN
cblr-2965	1047	50	.	.	PROPN
cblr-2965	1047	51	,	,	PUNCT
cblr-2965	1047	52	supra	supra	PROPN
cblr-2965	1047	53	note	note	PROPN
cblr-2965	1047	54	147	147	NUM
cblr-2965	1047	55	,	,	PUNCT
cblr-2965	1047	56	at	at	ADP
cblr-2965	1047	57	66	66	NUM
cblr-2965	1047	58	tbl.1	tbl.1	ADV
cblr-2965	1047	59	.	.	PUNCT
cblr-2965	1048	1	differences	difference	NOUN
cblr-2965	1048	2	between	between	ADP
cblr-2965	1048	3	the	the	DET
cblr-2965	1048	4	questions	question	NOUN
cblr-2965	1048	5	asked	ask	VERB
cblr-2965	1048	6	in	in	ADP
cblr-2965	1048	7	this	this	DET
cblr-2965	1048	8	survey	survey	NOUN
cblr-2965	1048	9	and	and	CCONJ
cblr-2965	1048	10	the	the	DET
cblr-2965	1048	11	ici	ici	PROPN
cblr-2965	1048	12	survey	survey	NOUN
cblr-2965	1048	13	make	make	VERB
cblr-2965	1048	14	exact	exact	ADJ
cblr-2965	1048	15	comparisons	comparison	NOUN
cblr-2965	1048	16	of	of	ADP
cblr-2965	1048	17	the	the	DET
cblr-2965	1048	18	results	result	NOUN
cblr-2965	1048	19	impossible	impossible	ADJ
cblr-2965	1048	20	.	.	PUNCT
cblr-2965	1049	1	for	for	ADP
cblr-2965	1049	2	example	example	NOUN
cblr-2965	1049	3	,	,	PUNCT
cblr-2965	1049	4	the	the	DET
cblr-2965	1049	5	ici	ici	NOUN
cblr-2965	1049	6	survey	survey	NOUN
cblr-2965	1049	7	did	do	AUX
cblr-2965	1049	8	not	not	PART
cblr-2965	1049	9	distinguish	distinguish	VERB
cblr-2965	1049	10	between	between	ADP
cblr-2965	1049	11	commission	commission	NOUN
cblr-2965	1049	12	-	-	PUNCT
cblr-2965	1049	13	based	base	VERB
cblr-2965	1049	14	and	and	CCONJ
cblr-2965	1049	15	fee	fee	NOUN
cblr-2965	1049	16	-	-	PUNCT
cblr-2965	1049	17	based	base	VERB
cblr-2965	1049	18	financial	financial	ADJ
cblr-2965	1049	19	advisers	adviser	NOUN
cblr-2965	1049	20	.	.	PUNCT
cblr-2965	1050	1	also	also	ADV
cblr-2965	1050	2	,	,	PUNCT
cblr-2965	1050	3	the	the	DET
cblr-2965	1050	4	ici	ici	NOUN
cblr-2965	1050	5	asked	ask	VERB
cblr-2965	1050	6	investors	investor	NOUN
cblr-2965	1050	7	whether	whether	SCONJ
cblr-2965	1050	8	they	they	PRON
cblr-2965	1050	9	consulted	consult	VERB
cblr-2965	1050	10	a	a	DET
cblr-2965	1050	11	particular	particular	ADJ
cblr-2965	1050	12	information	information	NOUN
cblr-2965	1050	13	source	source	NOUN
cblr-2965	1050	14	.	.	PUNCT
cblr-2965	1051	1	ici	ici	PROPN
cblr-2965	1051	2	,	,	PUNCT
cblr-2965	1051	3	investor	investor	NOUN
cblr-2965	1051	4	preferences	preference	NOUN
cblr-2965	1051	5	,	,	PUNCT
cblr-2965	1051	6	supra	supra	PROPN
cblr-2965	1051	7	note	note	NOUN
cblr-2965	1051	8	31	31	NUM
cblr-2965	1051	9	,	,	PUNCT
cblr-2965	1051	10	at	at	ADP
cblr-2965	1051	11	4	4	NUM
cblr-2965	1051	12	fig.2	fig.2	PROPN
cblr-2965	1051	13	.	.	PUNCT
cblr-2965	1051	14	capon	capon	PROPN
cblr-2965	1051	15	et	et	PROPN
cblr-2965	1051	16	al	al	PROPN
cblr-2965	1051	17	.	.	PROPN
cblr-2965	1051	18	,	,	PUNCT
cblr-2965	1051	19	on	on	ADP
cblr-2965	1051	20	the	the	DET
cblr-2965	1051	21	other	other	ADJ
cblr-2965	1051	22	hand	hand	NOUN
cblr-2965	1051	23	,	,	PUNCT
cblr-2965	1051	24	asked	ask	VERB
cblr-2965	1051	25	investors	investor	NOUN
cblr-2965	1051	26	to	to	PART
cblr-2965	1051	27	rate	rate	VERB
cblr-2965	1051	28	the	the	DET
cblr-2965	1051	29	importance	importance	NOUN
cblr-2965	1051	30	of	of	ADP
cblr-2965	1051	31	a	a	DET
cblr-2965	1051	32	particular	particular	ADJ
cblr-2965	1051	33	information	information	NOUN
cblr-2965	1051	34	source	source	NOUN
cblr-2965	1051	35	.	.	PUNCT
cblr-2965	1052	1	capon	capon	PROPN
cblr-2965	1052	2	et	et	PROPN
cblr-2965	1052	3	al	al	PROPN
cblr-2965	1052	4	.	.	PROPN
cblr-2965	1052	5	,	,	PUNCT
cblr-2965	1052	6	supra	supra	PROPN
cblr-2965	1052	7	note	note	PROPN
cblr-2965	1052	8	147	147	NUM
cblr-2965	1052	9	,	,	PUNCT
cblr-2965	1052	10	at	at	ADP
cblr-2965	1052	11	65	65	NUM
cblr-2965	1052	12	.	.	PUNCT
cblr-2965	1052	13	258	258	NUM
cblr-2965	1052	14	jones	jones	PROPN
cblr-2965	1052	15	et	et	PROPN
cblr-2965	1052	16	al	al	PROPN
cblr-2965	1052	17	.	.	PROPN
cblr-2965	1052	18	,	,	PUNCT
cblr-2965	1052	19	supra	supra	PROPN
cblr-2965	1052	20	note	note	VERB
cblr-2965	1052	21	158	158	NUM
cblr-2965	1052	22	,	,	PUNCT
cblr-2965	1052	23	at	at	ADP
cblr-2965	1052	24	65	65	NUM
cblr-2965	1052	25	.	.	PUNCT
cblr-2965	1053	1	259	259	NUM
cblr-2965	1054	1	i	i	PRON
cblr-2965	1054	2	d.	d.	PROPN
cblr-2965	1054	3	at	at	ADP
cblr-2965	1054	4	68	68	NUM
cblr-2965	1054	5	tbl.3	tbl.3	NOUN
cblr-2965	1054	6	.	.	NOUN
cblr-2965	1054	7	260	260	NUM
cblr-2965	1054	8	ici	ici	NOUN
cblr-2965	1054	9	,	,	PUNCT
cblr-2965	1054	10	investor	investor	NOUN
cblr-2965	1054	11	preferences	preference	NOUN
cblr-2965	1054	12	,	,	PUNCT
cblr-2965	1054	13	supra	supra	PROPN
cblr-2965	1054	14	note	note	NOUN
cblr-2965	1054	15	31	31	NUM
cblr-2965	1054	16	,	,	PUNCT
cblr-2965	1054	17	at	at	ADP
cblr-2965	1054	18	3	3	NUM
cblr-2965	1054	19	fig.1	fig.1	PROPN
cblr-2965	1054	20	.	.	PUNCT
cblr-2965	1055	1	261	261	NUM
cblr-2965	1055	2	recall	recall	NOUN
cblr-2965	1055	3	that	that	SCONJ
cblr-2965	1055	4	72	72	NUM
cblr-2965	1055	5	%	%	NOUN
cblr-2965	1055	6	of	of	ADP
cblr-2965	1055	7	the	the	DET
cblr-2965	1055	8	surveyed	survey	VERB
cblr-2965	1055	9	investors	investor	NOUN
cblr-2965	1055	10	did	do	AUX
cblr-2965	1055	11	not	not	PART
cblr-2965	1055	12	know	know	VERB
cblr-2965	1055	13	if	if	SCONJ
cblr-2965	1055	14	their	their	PRON
cblr-2965	1055	15	primary	primary	ADJ
cblr-2965	1055	16	fund	fund	NOUN
cblr-2965	1055	17	invests	invest	NOUN
cblr-2965	1055	18	in	in	ADP
cblr-2965	1055	19	domestic	domestic	ADJ
cblr-2965	1055	20	or	or	CCONJ
cblr-2965	1055	21	international	international	ADJ
cblr-2965	1055	22	securities	security	NOUN
cblr-2965	1055	23	,	,	PUNCT
cblr-2965	1055	24	and	and	CCONJ
cblr-2965	1055	25	75	75	NUM
cblr-2965	1055	26	%	%	NOUN
cblr-2965	1055	27	did	do	AUX
cblr-2965	1055	28	not	not	PART
cblr-2965	1055	29	know	know	VERB
cblr-2965	1055	30	whether	whether	SCONJ
cblr-2965	1055	31	the	the	DET
cblr-2965	1055	32	fund	fund	NOUN
cblr-2965	1055	33	invests	invest	VERB
cblr-2965	1055	34	in	in	ADP
cblr-2965	1055	35	equity	equity	NOUN
cblr-2965	1055	36	or	or	CCONJ
cblr-2965	1055	37	fixed	fix	VERB
cblr-2965	1055	38	income	income	NOUN
cblr-2965	1055	39	securities	security	NOUN
cblr-2965	1055	40	.	.	PUNCT
cblr-2965	1056	1	capon	capon	PROPN
cblr-2965	1056	2	et	et	PROPN
cblr-2965	1056	3	al	al	PROPN
cblr-2965	1056	4	.	.	PROPN
cblr-2965	1056	5	,	,	PUNCT
cblr-2965	1056	6	supra	supra	PROPN
cblr-2965	1056	7	note	note	PROPN
cblr-2965	1056	8	147	147	NUM
cblr-2965	1056	9	,	,	PUNCT
cblr-2965	1056	10	at	at	ADP
cblr-2965	1056	11	68	68	NUM
cblr-2965	1056	12	tbl.2	tbl.2	PROPN
cblr-2965	1056	13	.	.	PUNCT
cblr-2965	1057	1	no	no	INTJ
cblr-2965	1057	2	.	.	PUNCT
cblr-2965	1058	1	3:934	3:934	X
cblr-2965	1058	2	)	)	PUNCT
cblr-2965	1058	3	columbia	columbia	PROPN
cblr-2965	1058	4	business	business	PROPN
cblr-2965	1058	5	la	la	PROPN
cblr-2965	1058	6	w	w	PROPN
cblr-2965	1058	7	review	review	NOUN
cblr-2965	1058	8	in	in	ADP
cblr-2965	1058	9	addition	addition	NOUN
cblr-2965	1058	10	,	,	PUNCT
cblr-2965	1058	11	financial	financial	ADJ
cblr-2965	1058	12	advisers	adviser	NOUN
cblr-2965	1058	13	ranked	rank	VERB
cblr-2965	1058	14	a	a	DET
cblr-2965	1058	15	fund	fund	NOUN
cblr-2965	1058	16	's	's	PART
cblr-2965	1058	17	risk	risk	NOUN
cblr-2965	1058	18	as	as	ADP
cblr-2965	1058	19	the	the	DET
cblr-2965	1058	20	third	third	ADJ
cblr-2965	1058	21	most	most	ADV
cblr-2965	1058	22	important	important	ADJ
cblr-2965	1058	23	factor.2	factor.2	NUM
cblr-2965	1058	24	62	62	NUM
cblr-2965	1058	25	this	this	PRON
cblr-2965	1058	26	contrasts	contrast	VERB
cblr-2965	1058	27	with	with	ADP
cblr-2965	1058	28	the	the	DET
cblr-2965	1058	29	actions	action	NOUN
cblr-2965	1058	30	of	of	ADP
cblr-2965	1058	31	investors	investor	NOUN
cblr-2965	1058	32	,	,	PUNCT
cblr-2965	1058	33	who	who	PRON
cblr-2965	1058	34	,	,	PUNCT
cblr-2965	1058	35	as	as	SCONJ
cblr-2965	1058	36	discussed	discuss	VERB
cblr-2965	1058	37	above	above	ADV
cblr-2965	1058	38	,	,	PUNCT
cblr-2965	1058	39	generally	generally	ADV
cblr-2965	1058	40	pay	pay	VERB
cblr-2965	1058	41	little	little	ADJ
cblr-2965	1058	42	attention	attention	NOUN
cblr-2965	1058	43	to	to	ADP
cblr-2965	1058	44	a	a	DET
cblr-2965	1058	45	fund	fund	NOUN
cblr-2965	1058	46	's	's	PART
cblr-2965	1058	47	risk	risk	NOUN
cblr-2965	1058	48	.	.	PUNCT
cblr-2965	1059	1	thus	thus	ADV
cblr-2965	1059	2	,	,	PUNCT
cblr-2965	1059	3	to	to	ADP
cblr-2965	1059	4	the	the	DET
cblr-2965	1059	5	extent	extent	NOUN
cblr-2965	1059	6	that	that	SCONJ
cblr-2965	1059	7	investors	investor	NOUN
cblr-2965	1059	8	heed	heed	VERB
cblr-2965	1059	9	the	the	DET
cblr-2965	1059	10	advice	advice	NOUN
cblr-2965	1059	11	of	of	ADP
cblr-2965	1059	12	their	their	PRON
cblr-2965	1059	13	financial	financial	ADJ
cblr-2965	1059	14	advisers	adviser	NOUN
cblr-2965	1059	15	,	,	PUNCT
cblr-2965	1059	16	investors	investor	NOUN
cblr-2965	1059	17	may	may	AUX
cblr-2965	1059	18	buy	buy	VERB
cblr-2965	1059	19	funds	fund	NOUN
cblr-2965	1059	20	that	that	PRON
cblr-2965	1059	21	are	be	AUX
cblr-2965	1059	22	better	well	ADV
cblr-2965	1059	23	suited	suited	ADJ
cblr-2965	1059	24	to	to	ADP
cblr-2965	1059	25	their	their	PRON
cblr-2965	1059	26	financial	financial	ADJ
cblr-2965	1059	27	objectives	objective	NOUN
cblr-2965	1059	28	and	and	CCONJ
cblr-2965	1059	29	risk	risk	NOUN
cblr-2965	1059	30	tolerances	tolerance	NOUN
cblr-2965	1059	31	.	.	PUNCT
cblr-2965	1060	1	unfortunately	unfortunately	ADV
cblr-2965	1060	2	,	,	PUNCT
cblr-2965	1060	3	other	other	ADJ
cblr-2965	1060	4	results	result	NOUN
cblr-2965	1060	5	of	of	ADP
cblr-2965	1060	6	the	the	DET
cblr-2965	1060	7	survey	survey	NOUN
cblr-2965	1060	8	of	of	ADP
cblr-2965	1060	9	financial	financial	ADJ
cblr-2965	1060	10	advisers	adviser	NOUN
cblr-2965	1060	11	are	be	AUX
cblr-2965	1060	12	less	less	ADV
cblr-2965	1060	13	encouraging	encouraging	ADJ
cblr-2965	1060	14	.	.	PUNCT
cblr-2965	1061	1	advisers	adviser	NOUN
cblr-2965	1061	2	admit	admit	VERB
cblr-2965	1061	3	to	to	ADP
cblr-2965	1061	4	putting	put	VERB
cblr-2965	1061	5	less	less	ADJ
cblr-2965	1061	6	emphasis	emphasis	NOUN
cblr-2965	1061	7	on	on	ADP
cblr-2965	1061	8	a	a	DET
cblr-2965	1061	9	fund	fund	NOUN
cblr-2965	1061	10	's	's	PART
cblr-2965	1061	11	cost	cost	NOUN
cblr-2965	1061	12	to	to	ADP
cblr-2965	1061	13	their	their	PRON
cblr-2965	1061	14	clients	client	NOUN
cblr-2965	1061	15	than	than	ADP
cblr-2965	1061	16	on	on	ADP
cblr-2965	1061	17	other	other	ADJ
cblr-2965	1061	18	factors	factor	NOUN
cblr-2965	1061	19	.	.	PUNCT
cblr-2965	1062	1	for	for	ADP
cblr-2965	1062	2	example	example	NOUN
cblr-2965	1062	3	,	,	PUNCT
cblr-2965	1062	4	advisers	adviser	NOUN
cblr-2965	1062	5	ranked	rank	VERB
cblr-2965	1062	6	a	a	DET
cblr-2965	1062	7	fund	fund	NOUN
cblr-2965	1062	8	's	's	PART
cblr-2965	1062	9	expenses	expense	NOUN
cblr-2965	1062	10	(	(	PUNCT
cblr-2965	1062	11	excluding	exclude	VERB
cblr-2965	1062	12	commissions	commission	NOUN
cblr-2965	1062	13	)	)	PUNCT
cblr-2965	1062	14	as	as	ADP
cblr-2965	1062	15	only	only	ADV
cblr-2965	1062	16	the	the	DET
cblr-2965	1062	17	eighth	eighth	ADJ
cblr-2965	1062	18	most	most	ADV
cblr-2965	1062	19	important	important	ADJ
cblr-2965	1062	20	factor	factor	NOUN
cblr-2965	1062	21	among	among	ADP
cblr-2965	1062	22	the	the	DET
cblr-2965	1062	23	fourteen	fourteen	NUM
cblr-2965	1062	24	examined.263	examined.263	NOUN
cblr-2965	1062	25	in	in	ADP
cblr-2965	1062	26	addition	addition	NOUN
cblr-2965	1062	27	,	,	PUNCT
cblr-2965	1062	28	a	a	DET
cblr-2965	1062	29	fund	fund	NOUN
cblr-2965	1062	30	's	's	PART
cblr-2965	1062	31	load	load	NOUN
cblr-2965	1062	32	and	and	CCONJ
cblr-2965	1062	33	12b-1	12b-1	NUM
cblr-2965	1062	34	fee	fee	NOUN
cblr-2965	1062	35	were	be	AUX
cblr-2965	1062	36	the	the	DET
cblr-2965	1062	37	least	least	ADV
cblr-2965	1062	38	important	important	ADJ
cblr-2965	1062	39	factor	factor	NOUN
cblr-2965	1062	40	to	to	PART
cblr-2965	1062	41	advisers.264	advisers.264	VERB
cblr-2965	1062	42	this	this	DET
cblr-2965	1062	43	last	last	ADJ
cblr-2965	1062	44	finding	finding	NOUN
cblr-2965	1062	45	should	should	AUX
cblr-2965	1062	46	not	not	PART
cblr-2965	1062	47	be	be	AUX
cblr-2965	1062	48	surprising	surprising	ADJ
cblr-2965	1062	49	;	;	PUNCT
cblr-2965	1062	50	mutual	mutual	ADJ
cblr-2965	1062	51	funds	fund	NOUN
cblr-2965	1062	52	often	often	ADV
cblr-2965	1062	53	use	use	VERB
cblr-2965	1062	54	loads	load	NOUN
cblr-2965	1062	55	and	and	CCONJ
cblr-2965	1062	56	12b-1	12b-1	NUM
cblr-2965	1062	57	fees	fee	NOUN
cblr-2965	1062	58	to	to	PART
cblr-2965	1062	59	compensate	compensate	VERB
cblr-2965	1062	60	financial	financial	ADJ
cblr-2965	1062	61	advisers	adviser	NOUN
cblr-2965	1062	62	for	for	ADP
cblr-2965	1062	63	directing	direct	VERB
cblr-2965	1062	64	their	their	PRON
cblr-2965	1062	65	clients	client	NOUN
cblr-2965	1062	66	to	to	ADP
cblr-2965	1062	67	the	the	DET
cblr-2965	1062	68	funds	fund	NOUN
cblr-2965	1062	69	.	.	PUNCT
cblr-2965	1063	1	thus	thus	ADV
cblr-2965	1063	2	,	,	PUNCT
cblr-2965	1063	3	the	the	DET
cblr-2965	1063	4	survey	survey	NOUN
cblr-2965	1063	5	indicates	indicate	VERB
cblr-2965	1063	6	that	that	SCONJ
cblr-2965	1063	7	financial	financial	ADJ
cblr-2965	1063	8	advisers	adviser	NOUN
cblr-2965	1063	9	may	may	AUX
cblr-2965	1063	10	make	make	VERB
cblr-2965	1063	11	investors	investor	NOUN
cblr-2965	1063	12	even	even	ADV
cblr-2965	1063	13	less	less	ADV
cblr-2965	1063	14	sensitive	sensitive	ADJ
cblr-2965	1063	15	to	to	ADP
cblr-2965	1063	16	fees	fee	NOUN
cblr-2965	1063	17	and	and	CCONJ
cblr-2965	1063	18	expenses	expense	NOUN
cblr-2965	1063	19	than	than	SCONJ
cblr-2965	1063	20	investors	investor	NOUN
cblr-2965	1063	21	would	would	AUX
cblr-2965	1063	22	be	be	AUX
cblr-2965	1063	23	on	on	ADP
cblr-2965	1063	24	their	their	PRON
cblr-2965	1063	25	own	own	ADJ
cblr-2965	1063	26	.	.	PUNCT
cblr-2965	1064	1	in	in	ADP
cblr-2965	1064	2	addition	addition	NOUN
cblr-2965	1064	3	,	,	PUNCT
cblr-2965	1064	4	like	like	ADP
cblr-2965	1064	5	investors	investor	NOUN
cblr-2965	1064	6	,	,	PUNCT
cblr-2965	1064	7	financial	financial	ADJ
cblr-2965	1064	8	advisers	adviser	NOUN
cblr-2965	1064	9	place	place	VERB
cblr-2965	1064	10	great	great	ADJ
cblr-2965	1064	11	emphasis	emphasis	NOUN
cblr-2965	1064	12	on	on	ADP
cblr-2965	1064	13	a	a	DET
cblr-2965	1064	14	fund	fund	NOUN
cblr-2965	1064	15	's	's	PART
cblr-2965	1064	16	past	past	ADJ
cblr-2965	1064	17	returns	return	NOUN
cblr-2965	1064	18	.	.	PUNCT
cblr-2965	1065	1	advisers	adviser	NOUN
cblr-2965	1065	2	in	in	ADP
cblr-2965	1065	3	the	the	DET
cblr-2965	1065	4	survey	survey	NOUN
cblr-2965	1065	5	ranked	rank	VERB
cblr-2965	1065	6	a	a	DET
cblr-2965	1065	7	fund	fund	NOUN
cblr-2965	1065	8	's	's	PART
cblr-2965	1065	9	"	"	PUNCT
cblr-2965	1065	10	performance	performance	NOUN
cblr-2965	1065	11	relative	relative	ADJ
cblr-2965	1065	12	to	to	ADP
cblr-2965	1065	13	other	other	ADJ
cblr-2965	1065	14	funds	fund	NOUN
cblr-2965	1065	15	with	with	ADP
cblr-2965	1065	16	similar	similar	ADJ
cblr-2965	1065	17	style	style	NOUN
cblr-2965	1065	18	"	"	PUNCT
cblr-2965	1065	19	as	as	ADP
cblr-2965	1065	20	the	the	DET
cblr-2965	1065	21	most	most	ADV
cblr-2965	1065	22	important	important	ADJ
cblr-2965	1065	23	factor	factor	NOUN
cblr-2965	1065	24	and	and	CCONJ
cblr-2965	1065	25	ranked	rank	VERB
cblr-2965	1065	26	the	the	DET
cblr-2965	1065	27	"	"	PUNCT
cblr-2965	1065	28	absolute	absolute	ADJ
cblr-2965	1065	29	fund	fund	NOUN
cblr-2965	1065	30	performance	performance	NOUN
cblr-2965	1065	31	"	"	PUNCT
cblr-2965	1065	32	sixth.26	sixth.26	NOUN
cblr-2965	1065	33	5	5	NUM
cblr-2965	1065	34	thus	thus	ADV
cblr-2965	1065	35	,	,	PUNCT
cblr-2965	1065	36	financial	financial	ADJ
cblr-2965	1065	37	advisers	adviser	NOUN
cblr-2965	1065	38	give	give	VERB
cblr-2965	1065	39	high	high	ADJ
cblr-2965	1065	40	priority	priority	NOUN
cblr-2965	1065	41	to	to	ADP
cblr-2965	1065	42	funds	fund	NOUN
cblr-2965	1065	43	that	that	PRON
cblr-2965	1065	44	have	have	AUX
cblr-2965	1065	45	performed	perform	VERB
cblr-2965	1065	46	well	well	ADV
cblr-2965	1065	47	in	in	ADP
cblr-2965	1065	48	the	the	DET
cblr-2965	1065	49	past	past	NOUN
cblr-2965	1065	50	.	.	PUNCT
cblr-2965	1066	1	as	as	SCONJ
cblr-2965	1066	2	discussed	discuss	VERB
cblr-2965	1066	3	above	above	ADV
cblr-2965	1066	4	,	,	PUNCT
cblr-2965	1066	5	such	such	DET
cblr-2965	1066	6	a	a	DET
cblr-2965	1066	7	fund	fund	NOUN
cblr-2965	1066	8	-	-	PUNCT
cblr-2965	1066	9	picking	pick	VERB
cblr-2965	1066	10	strategy	strategy	NOUN
cblr-2965	1066	11	is	be	AUX
cblr-2965	1066	12	unwise	unwise	ADJ
cblr-2965	1066	13	;	;	PUNCT
cblr-2965	1066	14	past	past	ADJ
cblr-2965	1066	15	performance	performance	NOUN
cblr-2965	1066	16	is	be	AUX
cblr-2965	1066	17	at	at	ADP
cblr-2965	1066	18	best	good	ADJ
cblr-2965	1066	19	a	a	DET
cblr-2965	1066	20	weak	weak	ADJ
cblr-2965	1066	21	predictor	predictor	NOUN
cblr-2965	1066	22	of	of	ADP
cblr-2965	1066	23	future	future	ADJ
cblr-2965	1066	24	performance	performance	NOUN
cblr-2965	1066	25	.	.	PUNCT
cblr-2965	1067	1	3	3	X
cblr-2965	1067	2	.	.	X
cblr-2965	1067	3	advisers	adviser	NOUN
cblr-2965	1067	4	'	'	PART
cblr-2965	1067	5	effects	effect	NOUN
cblr-2965	1067	6	on	on	ADP
cblr-2965	1067	7	investor	investor	NOUN
cblr-2965	1067	8	behavior	behavior	NOUN
cblr-2965	1067	9	studies	study	NOUN
cblr-2965	1067	10	have	have	AUX
cblr-2965	1067	11	also	also	ADV
cblr-2965	1067	12	looked	look	VERB
cblr-2965	1067	13	at	at	ADP
cblr-2965	1067	14	the	the	DET
cblr-2965	1067	15	actual	actual	ADJ
cblr-2965	1067	16	effects	effect	NOUN
cblr-2965	1067	17	of	of	ADP
cblr-2965	1067	18	financial	financial	ADJ
cblr-2965	1067	19	advisers	adviser	NOUN
cblr-2965	1067	20	on	on	ADP
cblr-2965	1067	21	investors	investor	NOUN
cblr-2965	1067	22	.	.	PUNCT
cblr-2965	1068	1	an	an	DET
cblr-2965	1068	2	extensive	extensive	ADJ
cblr-2965	1068	3	study	study	NOUN
cblr-2965	1068	4	by	by	ADP
cblr-2965	1068	5	bergstresser	bergstresser	NOUN
cblr-2965	1068	6	,	,	PUNCT
cblr-2965	1068	7	262	262	NUM
cblr-2965	1068	8	jones	jones	PROPN
cblr-2965	1068	9	et	et	PROPN
cblr-2965	1068	10	al	al	PROPN
cblr-2965	1068	11	.	.	PROPN
cblr-2965	1068	12	,	,	PUNCT
cblr-2965	1068	13	supra	supra	PROPN
cblr-2965	1068	14	note	note	VERB
cblr-2965	1068	15	158	158	NUM
cblr-2965	1068	16	,	,	PUNCT
cblr-2965	1068	17	at	at	ADP
cblr-2965	1068	18	68	68	NUM
cblr-2965	1068	19	tbl.3	tbl.3	NOUN
cblr-2965	1068	20	.	.	PUNCT
cblr-2965	1069	1	263	263	NUM
cblr-2965	1070	1	i	i	PRON
cblr-2965	1070	2	d.	d.	PROPN
cblr-2965	1070	3	also	also	ADV
cblr-2965	1070	4	,	,	PUNCT
cblr-2965	1070	5	a	a	DET
cblr-2965	1070	6	fund	fund	NOUN
cblr-2965	1070	7	's	's	PART
cblr-2965	1070	8	tax	tax	NOUN
cblr-2965	1070	9	efficiency	efficiency	NOUN
cblr-2965	1070	10	-	-	PUNCT
cblr-2965	1070	11	which	which	PRON
cblr-2965	1070	12	can	can	AUX
cblr-2965	1070	13	also	also	ADV
cblr-2965	1070	14	affect	affect	VERB
cblr-2965	1070	15	investors	investor	NOUN
cblr-2965	1070	16	'	'	PART
cblr-2965	1070	17	returns	return	NOUN
cblr-2965	1070	18	-	-	PUNCT
cblr-2965	1070	19	was	be	AUX
cblr-2965	1070	20	only	only	ADV
cblr-2965	1070	21	the	the	DET
cblr-2965	1070	22	ninth	ninth	ADJ
cblr-2965	1070	23	ranked	rank	VERB
cblr-2965	1070	24	factor	factor	NOUN
cblr-2965	1070	25	.	.	PUNCT
cblr-2965	1071	1	i	i	PRON
cblr-2965	1071	2	d.	d.	PROPN
cblr-2965	1071	3	264	264	NUM
cblr-2965	1072	1	i	i	PRON
cblr-2965	1072	2	d.	d.	PROPN
cblr-2965	1072	3	265	265	NUM
cblr-2965	1073	1	i	i	PRON
cblr-2965	1073	2	d.	d.	PROPN
cblr-2965	1074	1	[	[	X
cblr-2965	1074	2	vol	vol	NOUN
cblr-2965	1074	3	.	.	NOUN
cblr-2965	1074	4	2008	2008	NUM
cblr-2965	1074	5	chalmers	chalmer	NOUN
cblr-2965	1074	6	and	and	CCONJ
cblr-2965	1074	7	tufano	tufano	ADJ
cblr-2965	1074	8	compared	compare	VERB
cblr-2965	1074	9	fund	fund	NOUN
cblr-2965	1074	10	choices	choice	NOUN
cblr-2965	1074	11	from	from	ADP
cblr-2965	1074	12	1996	1996	NUM
cblr-2965	1074	13	to	to	ADP
cblr-2965	1074	14	2004	2004	NUM
cblr-2965	1074	15	of	of	ADP
cblr-2965	1074	16	investors	investor	NOUN
cblr-2965	1074	17	who	who	PRON
cblr-2965	1074	18	bought	buy	VERB
cblr-2965	1074	19	funds	fund	NOUN
cblr-2965	1074	20	through	through	ADP
cblr-2965	1074	21	direct	direct	ADJ
cblr-2965	1074	22	channels	channel	NOUN
cblr-2965	1074	23	with	with	ADP
cblr-2965	1074	24	those	those	PRON
cblr-2965	1074	25	of	of	ADP
cblr-2965	1074	26	investors	investor	NOUN
cblr-2965	1074	27	who	who	PRON
cblr-2965	1074	28	bought	buy	VERB
cblr-2965	1074	29	through	through	ADP
cblr-2965	1074	30	brokers.266	brokers.266	SCONJ
cblr-2965	1074	31	they	they	PRON
cblr-2965	1074	32	found	find	VERB
cblr-2965	1074	33	that	that	SCONJ
cblr-2965	1074	34	brokers	broker	NOUN
cblr-2965	1074	35	direct	direct	ADJ
cblr-2965	1074	36	investors	investor	NOUN
cblr-2965	1074	37	toward	toward	ADP
cblr-2965	1074	38	funds	fund	NOUN
cblr-2965	1074	39	with	with	ADP
cblr-2965	1074	40	higher	high	ADJ
cblr-2965	1074	41	front	front	ADJ
cblr-2965	1074	42	-	-	PUNCT
cblr-2965	1074	43	end	end	NOUN
cblr-2965	1074	44	loads	load	NOUN
cblr-2965	1074	45	and	and	CCONJ
cblr-2965	1074	46	12b-1	12b-1	NUM
cblr-2965	1074	47	fees.267	fees.267	NOUN
cblr-2965	1074	48	also	also	ADV
cblr-2965	1074	49	,	,	PUNCT
cblr-2965	1074	50	they	they	PRON
cblr-2965	1074	51	found	find	VERB
cblr-2965	1074	52	that	that	SCONJ
cblr-2965	1074	53	the	the	PRON
cblr-2965	1074	54	larger	large	ADJ
cblr-2965	1074	55	a	a	DET
cblr-2965	1074	56	fund	fund	NOUN
cblr-2965	1074	57	's	's	PART
cblr-2965	1074	58	load	load	NOUN
cblr-2965	1074	59	and	and	CCONJ
cblr-2965	1074	60	12b-1	12b-1	NUM
cblr-2965	1074	61	fee	fee	NOUN
cblr-2965	1074	62	,	,	PUNCT
cblr-2965	1074	63	the	the	DET
cblr-2965	1074	64	more	more	ADJ
cblr-2965	1074	65	flow	flow	NOUN
cblr-2965	1074	66	it	it	PRON
cblr-2965	1074	67	receives	receive	VERB
cblr-2965	1074	68	from	from	ADP
cblr-2965	1074	69	investors	investor	NOUN
cblr-2965	1074	70	using	use	VERB
cblr-2965	1074	71	brokers	broker	NOUN
cblr-2965	1074	72	.	.	PUNCT
cblr-2965	1075	1	268	268	NUM
cblr-2965	1075	2	because	because	SCONJ
cblr-2965	1075	3	mutual	mutual	ADJ
cblr-2965	1075	4	funds	fund	NOUN
cblr-2965	1075	5	often	often	ADV
cblr-2965	1075	6	use	use	VERB
cblr-2965	1075	7	loads	load	NOUN
cblr-2965	1075	8	and	and	CCONJ
cblr-2965	1075	9	12b-1	12b-1	NUM
cblr-2965	1075	10	fees	fee	NOUN
cblr-2965	1075	11	to	to	PART
cblr-2965	1075	12	compensate	compensate	VERB
cblr-2965	1075	13	brokers	broker	NOUN
cblr-2965	1075	14	,	,	PUNCT
cblr-2965	1075	15	these	these	DET
cblr-2965	1075	16	findings	finding	NOUN
cblr-2965	1075	17	indicate	indicate	VERB
cblr-2965	1075	18	that	that	SCONJ
cblr-2965	1075	19	brokers	broker	NOUN
cblr-2965	1075	20	direct	direct	ADJ
cblr-2965	1075	21	investors	investor	NOUN
cblr-2965	1075	22	to	to	ADP
cblr-2965	1075	23	funds	fund	NOUN
cblr-2965	1075	24	that	that	PRON
cblr-2965	1075	25	offer	offer	VERB
cblr-2965	1075	26	the	the	DET
cblr-2965	1075	27	brokers	broker	NOUN
cblr-2965	1075	28	more	more	ADJ
cblr-2965	1075	29	compensation	compensation	NOUN
cblr-2965	1075	30	.	.	PUNCT
cblr-2965	1076	1	as	as	ADP
cblr-2965	1076	2	a	a	DET
cblr-2965	1076	3	result	result	NOUN
cblr-2965	1076	4	,	,	PUNCT
cblr-2965	1076	5	investors	investor	NOUN
cblr-2965	1076	6	pay	pay	VERB
cblr-2965	1076	7	a	a	DET
cblr-2965	1076	8	steep	steep	ADJ
cblr-2965	1076	9	price	price	NOUN
cblr-2965	1076	10	for	for	ADP
cblr-2965	1076	11	using	use	VERB
cblr-2965	1076	12	brokers	broker	NOUN
cblr-2965	1076	13	.	.	PUNCT
cblr-2965	1077	1	it	it	PRON
cblr-2965	1077	2	has	have	AUX
cblr-2965	1077	3	been	be	AUX
cblr-2965	1077	4	estimated	estimate	VERB
cblr-2965	1077	5	that	that	SCONJ
cblr-2965	1077	6	,	,	PUNCT
cblr-2965	1077	7	in	in	ADP
cblr-2965	1077	8	2002	2002	NUM
cblr-2965	1077	9	,	,	PUNCT
cblr-2965	1077	10	investors	investor	NOUN
cblr-2965	1077	11	paid	pay	VERB
cblr-2965	1077	12	up	up	ADP
cblr-2965	1077	13	to	to	ADP
cblr-2965	1077	14	a	a	DET
cblr-2965	1077	15	total	total	NOUN
cblr-2965	1077	16	of	of	ADP
cblr-2965	1077	17	$	$	SYM
cblr-2965	1077	18	3.6	3.6	NUM
cblr-2965	1077	19	billion	billion	NUM
cblr-2965	1077	20	in	in	ADP
cblr-2965	1077	21	front	front	ADJ
cblr-2965	1077	22	-	-	PUNCT
cblr-2965	1077	23	end	end	NOUN
cblr-2965	1077	24	loads	load	NOUN
cblr-2965	1077	25	,	,	PUNCT
cblr-2965	1077	26	$	$	SYM
cblr-2965	1077	27	2.8	2.8	NUM
cblr-2965	1077	28	billion	billion	NUM
cblr-2965	1077	29	in	in	ADP
cblr-2965	1077	30	backend	backend	NOUN
cblr-2965	1077	31	loads	load	NOUN
cblr-2965	1077	32	,	,	PUNCT
cblr-2965	1077	33	and	and	CCONJ
cblr-2965	1077	34	$	$	SYM
cblr-2965	1077	35	8.8	8.8	NUM
cblr-2965	1077	36	billion	billion	NUM
cblr-2965	1077	37	in	in	ADP
cblr-2965	1077	38	12b-1	12b-1	NUM
cblr-2965	1077	39	fees.269	fees.269	NOUN
cblr-2965	1077	40	unfortunately	unfortunately	ADV
cblr-2965	1077	41	,	,	PUNCT
cblr-2965	1077	42	there	there	PRON
cblr-2965	1077	43	is	be	VERB
cblr-2965	1077	44	little	little	ADJ
cblr-2965	1077	45	evidence	evidence	NOUN
cblr-2965	1077	46	that	that	PRON
cblr-2965	1077	47	fund	fund	NOUN
cblr-2965	1077	48	investors	investor	NOUN
cblr-2965	1077	49	receive	receive	VERB
cblr-2965	1077	50	commensurate	commensurate	ADJ
cblr-2965	1077	51	benefits	benefit	NOUN
cblr-2965	1077	52	from	from	ADP
cblr-2965	1077	53	brokers	broker	NOUN
cblr-2965	1077	54	.	.	PUNCT
cblr-2965	1078	1	bergstresser	bergstresser	NOUN
cblr-2965	1078	2	,	,	PUNCT
cblr-2965	1078	3	chalmers	chalmer	NOUN
cblr-2965	1078	4	and	and	CCONJ
cblr-2965	1078	5	tufano	tufano	PROPN
cblr-2965	1078	6	found	find	VERB
cblr-2965	1078	7	that	that	SCONJ
cblr-2965	1078	8	funds	fund	NOUN
cblr-2965	1078	9	purchased	purchase	VERB
cblr-2965	1078	10	through	through	ADP
cblr-2965	1078	11	brokers	broker	NOUN
cblr-2965	1078	12	tend	tend	VERB
cblr-2965	1078	13	to	to	PART
cblr-2965	1078	14	underperform	underperform	VERB
cblr-2965	1078	15	funds	fund	NOUN
cblr-2965	1078	16	that	that	PRON
cblr-2965	1078	17	investors	investor	NOUN
cblr-2965	1078	18	buy	buy	VERB
cblr-2965	1078	19	directly	directly	ADV
cblr-2965	1078	20	,	,	PUNCT
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cblr-2965	1078	22	before	before	ADP
cblr-2965	1078	23	taking	take	VERB
cblr-2965	1078	24	into	into	ADP
cblr-2965	1078	25	account	account	NOUN
cblr-2965	1078	26	the	the	DET
cblr-2965	1078	27	higher	high	ADJ
cblr-2965	1078	28	distribution	distribution	NOUN
cblr-2965	1078	29	-	-	PUNCT
cblr-2965	1078	30	related	relate	VERB
cblr-2965	1078	31	expenses	expense	NOUN
cblr-2965	1078	32	(	(	PUNCT
cblr-2965	1078	33	such	such	ADJ
cblr-2965	1078	34	as	as	ADP
cblr-2965	1078	35	loads	load	NOUN
cblr-2965	1078	36	)	)	PUNCT
cblr-2965	1078	37	of	of	ADP
cblr-2965	1078	38	brokerchannel	brokerchannel	NOUN
cblr-2965	1078	39	funds	fund	NOUN
cblr-2965	1078	40	.	.	PUNCT
cblr-2965	1079	1	20	20	NUM
cblr-2965	1079	2	this	this	DET
cblr-2965	1079	3	underperformance	underperformance	NOUN
cblr-2965	1079	4	exists	exist	VERB
cblr-2965	1079	5	in	in	ADP
cblr-2965	1079	6	both	both	CCONJ
cblr-2965	1079	7	absolute	absolute	ADJ
cblr-2965	1079	8	returns	return	NOUN
cblr-2965	1079	9	and	and	CCONJ
cblr-2965	1079	10	in	in	ADP
cblr-2965	1079	11	risk	risk	NOUN
cblr-2965	1079	12	-	-	PUNCT
cblr-2965	1079	13	adjusted	adjust	VERB
cblr-2965	1079	14	returns	return	NOUN
cblr-2965	1079	15	.	.	PUNCT
cblr-2965	1080	1	271	271	NUM
cblr-2965	1080	2	they	they	PRON
cblr-2965	1080	3	estimate	estimate	VERB
cblr-2965	1080	4	that	that	SCONJ
cblr-2965	1080	5	this	this	DET
cblr-2965	1080	6	underperformance	underperformance	NOUN
cblr-2965	1080	7	cost	cost	VERB
cblr-2965	1080	8	investors	investor	NOUN
cblr-2965	1080	9	approximately	approximately	ADV
cblr-2965	1080	10	another	another	DET
cblr-2965	1080	11	$	$	SYM
cblr-2965	1080	12	4.6	4.6	NUM
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cblr-2965	1080	14	in	in	ADP
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cblr-2965	1080	17	also	also	ADV
cblr-2965	1080	18	,	,	PUNCT
cblr-2965	1080	19	they	they	PRON
cblr-2965	1080	20	found	find	VERB
cblr-2965	1080	21	no	no	DET
cblr-2965	1080	22	evidence	evidence	NOUN
cblr-2965	1080	23	that	that	SCONJ
cblr-2965	1080	24	"	"	PUNCT
cblr-2965	1080	25	brokers	broker	NOUN
cblr-2965	1080	26	provide	provide	VERB
cblr-2965	1080	27	superior	superior	ADJ
cblr-2965	1080	28	asset	asset	NOUN
cblr-2965	1080	29	allocation	allocation	NOUN
cblr-2965	1080	30	advice	advice	NOUN
cblr-2965	1080	31	that	that	PRON
cblr-2965	1080	32	helps	help	VERB
cblr-2965	1080	33	their	their	PRON
cblr-2965	1080	34	investors	investor	NOUN
cblr-2965	1080	35	26	26	NUM
cblr-2965	1080	36	for	for	ADP
cblr-2965	1080	37	2004	2004	NUM
cblr-2965	1080	38	,	,	PUNCT
cblr-2965	1080	39	their	their	PRON
cblr-2965	1080	40	sample	sample	NOUN
cblr-2965	1080	41	covered	cover	VERB
cblr-2965	1080	42	4253	4253	NUM
cblr-2965	1080	43	mutual	mutual	ADJ
cblr-2965	1080	44	funds	fund	NOUN
cblr-2965	1080	45	with	with	ADP
cblr-2965	1080	46	assets	asset	NOUN
cblr-2965	1080	47	of	of	ADP
cblr-2965	1080	48	$	$	SYM
cblr-2965	1080	49	5.1	5.1	NUM
cblr-2965	1080	50	trillion	trillion	NUM
cblr-2965	1080	51	.	.	PUNCT
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cblr-2965	1081	3	,	,	PUNCT
cblr-2965	1081	4	john	john	PROPN
cblr-2965	1081	5	chalmers	chalmers	PROPN
cblr-2965	1081	6	&	&	CCONJ
cblr-2965	1081	7	peter	peter	PROPN
cblr-2965	1081	8	tufano	tufano	PROPN
cblr-2965	1081	9	,	,	PUNCT
cblr-2965	1081	10	assessing	assess	VERB
cblr-2965	1081	11	the	the	DET
cblr-2965	1081	12	costs	cost	NOUN
cblr-2965	1081	13	and	and	CCONJ
cblr-2965	1081	14	benefits	benefit	NOUN
cblr-2965	1081	15	of	of	ADP
cblr-2965	1081	16	brokers	broker	NOUN
cblr-2965	1081	17	in	in	ADP
cblr-2965	1081	18	the	the	DET
cblr-2965	1081	19	mutual	mutual	ADJ
cblr-2965	1081	20	fund	fund	NOUN
cblr-2965	1081	21	industry	industry	NOUN
cblr-2965	1081	22	7	7	NUM
cblr-2965	1081	23	(	(	PUNCT
cblr-2965	1081	24	harvard	harvard	PROPN
cblr-2965	1081	25	business	business	PROPN
cblr-2965	1081	26	school	school	NOUN
cblr-2965	1081	27	finance	finance	NOUN
cblr-2965	1081	28	working	working	NOUN
cblr-2965	1081	29	paper	paper	NOUN
cblr-2965	1081	30	no	no	NOUN
cblr-2965	1081	31	.	.	PROPN
cblr-2965	1081	32	616981	616981	NUM
cblr-2965	1081	33	,	,	PUNCT
cblr-2965	1081	34	sept	sept	PROPN
cblr-2965	1081	35	.	.	PROPN
cblr-2965	1081	36	26	26	NUM
cblr-2965	1081	37	,	,	PUNCT
cblr-2965	1081	38	2007	2007	NUM
cblr-2965	1081	39	)	)	PUNCT
cblr-2965	1081	40	,	,	PUNCT
cblr-2965	1081	41	available	available	ADJ
cblr-2965	1081	42	at	at	ADP
cblr-2965	1081	43	http://ssrn.com/abstract=616981	http://ssrn.com/abstract=616981	PROPN
cblr-2965	1081	44	.	.	PUNCT
cblr-2965	1081	45	note	note	VERB
cblr-2965	1081	46	that	that	SCONJ
cblr-2965	1081	47	many	many	ADJ
cblr-2965	1081	48	,	,	PUNCT
cblr-2965	1081	49	but	but	CCONJ
cblr-2965	1081	50	not	not	PART
cblr-2965	1081	51	all	all	PRON
cblr-2965	1081	52	,	,	PUNCT
cblr-2965	1081	53	brokers	broker	NOUN
cblr-2965	1081	54	provide	provide	VERB
cblr-2965	1081	55	advice	advice	NOUN
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cblr-2965	1081	57	which	which	PRON
cblr-2965	1081	58	funds	fund	VERB
cblr-2965	1081	59	investors	investor	NOUN
cblr-2965	1081	60	should	should	AUX
cblr-2965	1081	61	purchase	purchase	VERB
cblr-2965	1081	62	.	.	PUNCT
cblr-2965	1082	1	in	in	ADP
cblr-2965	1082	2	addition	addition	NOUN
cblr-2965	1082	3	,	,	PUNCT
cblr-2965	1082	4	some	some	DET
cblr-2965	1082	5	financial	financial	ADJ
cblr-2965	1082	6	advisers	adviser	NOUN
cblr-2965	1082	7	do	do	AUX
cblr-2965	1082	8	not	not	PART
cblr-2965	1082	9	provide	provide	VERB
cblr-2965	1082	10	broker	broker	NOUN
cblr-2965	1082	11	services	service	NOUN
cblr-2965	1082	12	to	to	ADP
cblr-2965	1082	13	their	their	PRON
cblr-2965	1082	14	clients	client	NOUN
cblr-2965	1082	15	.	.	PUNCT
cblr-2965	1083	1	267	267	NUM
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cblr-2965	1083	3	d.	d.	PROPN
cblr-2965	1083	4	at	at	ADP
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cblr-2965	1083	7	26	26	NUM
cblr-2965	1084	1	i	i	PRON
cblr-2965	1084	2	d.	d.	PROPN
cblr-2965	1084	3	at	at	ADP
cblr-2965	1084	4	17	17	NUM
cblr-2965	1084	5	-	-	SYM
cblr-2965	1084	6	18	18	NUM
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cblr-2965	1084	8	269	269	NUM
cblr-2965	1085	1	i	i	PRON
cblr-2965	1085	2	d.	d.	PROPN
cblr-2965	1085	3	at	at	ADP
cblr-2965	1085	4	2	2	NUM
cblr-2965	1085	5	.	.	NUM
cblr-2965	1085	6	270	270	NUM
cblr-2965	1086	1	i	i	PRON
cblr-2965	1086	2	d.	d.	NOUN
cblr-2965	1086	3	at	at	ADP
cblr-2965	1086	4	9	9	NUM
cblr-2965	1086	5	-	-	SYM
cblr-2965	1086	6	10	10	NUM
cblr-2965	1086	7	.	.	PUNCT
cblr-2965	1086	8	271	271	NUM
cblr-2965	1087	1	i	i	PRON
cblr-2965	1087	2	d.	d.	NOUN
cblr-2965	1087	3	at	at	ADP
cblr-2965	1087	4	8	8	NUM
cblr-2965	1087	5	-	-	SYM
cblr-2965	1087	6	9	9	NUM
cblr-2965	1087	7	.	.	NOUN
cblr-2965	1087	8	272	272	NUM
cblr-2965	1088	1	i	i	PRON
cblr-2965	1088	2	d.	d.	PROPN
cblr-2965	1088	3	at	at	ADP
cblr-2965	1088	4	9	9	NUM
cblr-2965	1088	5	-	-	SYM
cblr-2965	1088	6	10	10	NUM
cblr-2965	1088	7	.	.	PUNCT
cblr-2965	1089	1	no	no	INTJ
cblr-2965	1089	2	.	.	PUNCT
cblr-2965	1090	1	3:934	3:934	X
cblr-2965	1090	2	]	]	X
cblr-2965	1090	3	mutual	mutual	ADJ
cblr-2965	1090	4	fund	fund	NOUN
cblr-2965	1090	5	investors	investor	NOUN
cblr-2965	1090	6	time	time	VERB
cblr-2965	1090	7	the	the	DET
cblr-2965	1090	8	market	market	NOUN
cblr-2965	1090	9	.	.	PUNCT
cblr-2965	1091	1	"273	"273	PROPN
cblr-2965	1092	1	the	the	DET
cblr-2965	1092	2	asset	asset	NOUN
cblr-2965	1092	3	allocation	allocation	NOUN
cblr-2965	1092	4	choices	choice	NOUN
cblr-2965	1092	5	made	make	VERB
cblr-2965	1092	6	through	through	ADP
cblr-2965	1092	7	broker	broker	NOUN
cblr-2965	1092	8	-	-	PUNCT
cblr-2965	1092	9	channel	channel	NOUN
cblr-2965	1092	10	funds	fund	NOUN
cblr-2965	1092	11	did	do	AUX
cblr-2965	1092	12	not	not	PART
cblr-2965	1092	13	earn	earn	VERB
cblr-2965	1092	14	higher	high	ADJ
cblr-2965	1092	15	absolute	absolute	ADJ
cblr-2965	1092	16	or	or	CCONJ
cblr-2965	1092	17	risk	risk	NOUN
cblr-2965	1092	18	-	-	PUNCT
cblr-2965	1092	19	adjusted	adjust	VERB
cblr-2965	1092	20	returns	return	NOUN
cblr-2965	1092	21	than	than	SCONJ
cblr-2965	1092	22	did	do	VERB
cblr-2965	1092	23	funds	fund	NOUN
cblr-2965	1092	24	bought	buy	VERB
cblr-2965	1092	25	through	through	ADP
cblr-2965	1092	26	direct	direct	ADJ
cblr-2965	1092	27	channels.274	channels.274	NOUN
cblr-2965	1092	28	in	in	ADP
cblr-2965	1092	29	theory	theory	NOUN
cblr-2965	1092	30	,	,	PUNCT
cblr-2965	1092	31	investors	investor	NOUN
cblr-2965	1092	32	who	who	PRON
cblr-2965	1092	33	buy	buy	VERB
cblr-2965	1092	34	funds	fund	NOUN
cblr-2965	1092	35	through	through	ADP
cblr-2965	1092	36	brokers	broker	NOUN
cblr-2965	1092	37	,	,	PUNCT
cblr-2965	1092	38	thus	thus	ADV
cblr-2965	1092	39	paying	pay	VERB
cblr-2965	1092	40	higher	high	ADJ
cblr-2965	1092	41	distribution	distribution	NOUN
cblr-2965	1092	42	expenses	expense	NOUN
cblr-2965	1092	43	in	in	ADP
cblr-2965	1092	44	the	the	DET
cblr-2965	1092	45	form	form	NOUN
cblr-2965	1092	46	of	of	ADP
cblr-2965	1092	47	loads	load	NOUN
cblr-2965	1092	48	and	and	CCONJ
cblr-2965	1092	49	12b-1	12b-1	NUM
cblr-2965	1092	50	fees	fee	NOUN
cblr-2965	1092	51	,	,	PUNCT
cblr-2965	1092	52	might	might	AUX
cblr-2965	1092	53	still	still	ADV
cblr-2965	1092	54	benefit	benefit	VERB
cblr-2965	1092	55	if	if	SCONJ
cblr-2965	1092	56	broker	broker	NOUN
cblr-2965	1092	57	-	-	PUNCT
cblr-2965	1092	58	channel	channel	NOUN
cblr-2965	1092	59	funds	fund	NOUN
cblr-2965	1092	60	have	have	VERB
cblr-2965	1092	61	lower	low	ADJ
cblr-2965	1092	62	non	non	ADJ
cblr-2965	1092	63	-	-	ADJ
cblr-2965	1092	64	distribution	distribution	ADJ
cblr-2965	1092	65	expenses	expense	NOUN
cblr-2965	1092	66	(	(	PUNCT
cblr-2965	1092	67	such	such	ADJ
cblr-2965	1092	68	as	as	ADP
cblr-2965	1092	69	management	management	NOUN
cblr-2965	1092	70	fees	fee	NOUN
cblr-2965	1092	71	)	)	PUNCT
cblr-2965	1092	72	than	than	SCONJ
cblr-2965	1092	73	do	do	VERB
cblr-2965	1092	74	other	other	ADJ
cblr-2965	1092	75	funds	fund	NOUN
cblr-2965	1092	76	.	.	PUNCT
cblr-2965	1093	1	unfortunately	unfortunately	ADV
cblr-2965	1093	2	,	,	PUNCT
cblr-2965	1093	3	bergstresser	bergstresser	NOUN
cblr-2965	1093	4	,	,	PUNCT
cblr-2965	1093	5	chalmers	chalmer	NOUN
cblr-2965	1093	6	and	and	CCONJ
cblr-2965	1093	7	tufano	tufano	PROPN
cblr-2965	1093	8	found	find	VERB
cblr-2965	1093	9	that	that	SCONJ
cblr-2965	1093	10	funds	fund	NOUN
cblr-2965	1093	11	bought	buy	VERB
cblr-2965	1093	12	through	through	ADP
cblr-2965	1093	13	brokers	broker	NOUN
cblr-2965	1093	14	do	do	AUX
cblr-2965	1093	15	not	not	PART
cblr-2965	1093	16	have	have	VERB
cblr-2965	1093	17	lower	low	ADJ
cblr-2965	1093	18	non	non	ADJ
cblr-2965	1093	19	-	-	ADJ
cblr-2965	1093	20	distribution	distribution	ADJ
cblr-2965	1093	21	expenses	expense	NOUN
cblr-2965	1093	22	,	,	PUNCT
cblr-2965	1093	23	so	so	SCONJ
cblr-2965	1093	24	investors	investor	NOUN
cblr-2965	1093	25	do	do	AUX
cblr-2965	1093	26	not	not	PART
cblr-2965	1093	27	benefit	benefit	VERB
cblr-2965	1093	28	in	in	ADP
cblr-2965	1093	29	this	this	DET
cblr-2965	1093	30	way	way	NOUN
cblr-2965	1093	31	either.7	either.7	PROPN
cblr-2965	1093	32	there	there	PRON
cblr-2965	1093	33	is	be	VERB
cblr-2965	1093	34	some	some	DET
cblr-2965	1093	35	evidence	evidence	NOUN
cblr-2965	1093	36	,	,	PUNCT
cblr-2965	1093	37	however	however	ADV
cblr-2965	1093	38	,	,	PUNCT
cblr-2965	1093	39	that	that	SCONJ
cblr-2965	1093	40	brokers	broker	NOUN
cblr-2965	1093	41	help	help	VERB
cblr-2965	1093	42	investors	investor	NOUN
cblr-2965	1093	43	at	at	ADP
cblr-2965	1093	44	least	least	ADV
cblr-2965	1093	45	partially	partially	ADV
cblr-2965	1093	46	overcome	overcome	VERB
cblr-2965	1093	47	their	their	PRON
cblr-2965	1093	48	"	"	PUNCT
cblr-2965	1093	49	home	home	NOUN
cblr-2965	1093	50	-	-	PUNCT
cblr-2965	1093	51	bias	bias	NOUN
cblr-2965	1093	52	,	,	PUNCT
cblr-2965	1093	53	"	"	PUNCT
cblr-2965	1093	54	a	a	DET
cblr-2965	1093	55	well	well	ADV
cblr-2965	1093	56	-	-	PUNCT
cblr-2965	1093	57	known	know	VERB
cblr-2965	1093	58	tendency	tendency	NOUN
cblr-2965	1093	59	of	of	ADP
cblr-2965	1093	60	investors	investor	NOUN
cblr-2965	1093	61	to	to	PART
cblr-2965	1093	62	disproportionately	disproportionately	ADV
cblr-2965	1093	63	buy	buy	VERB
cblr-2965	1093	64	assets	asset	NOUN
cblr-2965	1093	65	located	locate	VERB
cblr-2965	1093	66	geographically	geographically	ADV
cblr-2965	1093	67	close	close	ADJ
cblr-2965	1093	68	to	to	ADP
cblr-2965	1093	69	them	they	PRON
cblr-2965	1093	70	and	and	CCONJ
cblr-2965	1093	71	to	to	ADP
cblr-2965	1093	72	underweight	underweight	VERB
cblr-2965	1093	73	foreign	foreign	ADJ
cblr-2965	1093	74	and	and	CCONJ
cblr-2965	1093	75	distant	distant	ADJ
cblr-2965	1093	76	domestic	domestic	ADJ
cblr-2965	1093	77	assets.276	assets.276	ADJ
cblr-2965	1093	78	bergstresser	bergstresser	NOUN
cblr-2965	1093	79	,	,	PUNCT
cblr-2965	1093	80	chalmers	chalmer	NOUN
cblr-2965	1093	81	,	,	PUNCT
cblr-2965	1093	82	and	and	CCONJ
cblr-2965	1093	83	tufano	tufano	PROPN
cblr-2965	1093	84	found	find	VERB
cblr-2965	1093	85	that	that	SCONJ
cblr-2965	1093	86	investors	investor	NOUN
cblr-2965	1093	87	using	use	VERB
cblr-2965	1093	88	brokers	broker	NOUN
cblr-2965	1093	89	buy	buy	VERB
cblr-2965	1093	90	funds	fund	NOUN
cblr-2965	1093	91	that	that	PRON
cblr-2965	1093	92	hold	hold	VERB
cblr-2965	1093	93	a	a	DET
cblr-2965	1093	94	greater	great	ADJ
cblr-2965	1093	95	percentage	percentage	NOUN
cblr-2965	1093	96	of	of	ADP
cblr-2965	1093	97	foreign	foreign	ADJ
cblr-2965	1093	98	assets	asset	NOUN
cblr-2965	1093	99	than	than	SCONJ
cblr-2965	1093	100	do	do	VERB
cblr-2965	1093	101	other	other	ADJ
cblr-2965	1093	102	investors.277	investors.277	NOUN
cblr-2965	1093	103	similarly	similarly	ADV
cblr-2965	1093	104	,	,	PUNCT
cblr-2965	1093	105	brokers	broker	NOUN
cblr-2965	1093	106	appear	appear	VERB
cblr-2965	1093	107	to	to	PART
cblr-2965	1093	108	direct	direct	VERB
cblr-2965	1093	109	investors	investor	NOUN
cblr-2965	1093	110	to	to	ADP
cblr-2965	1093	111	smaller	small	ADJ
cblr-2965	1093	112	funds	fund	NOUN
cblr-2965	1093	113	and	and	CCONJ
cblr-2965	1093	114	younger	young	ADJ
cblr-2965	1093	115	funds	fund	NOUN
cblr-2965	1093	116	than	than	SCONJ
cblr-2965	1093	117	investors	investor	NOUN
cblr-2965	1093	118	would	would	AUX
cblr-2965	1093	119	find	find	VERB
cblr-2965	1093	120	on	on	ADP
cblr-2965	1093	121	their	their	PRON
cblr-2965	1093	122	own.278	own.278	NOUN
cblr-2965	1093	123	but	but	CCONJ
cblr-2965	1093	124	,	,	PUNCT
cblr-2965	1093	125	as	as	SCONJ
cblr-2965	1093	126	discussed	discuss	VERB
cblr-2965	1093	127	above	above	ADV
cblr-2965	1093	128	,	,	PUNCT
cblr-2965	1093	129	this	this	PRON
cblr-2965	1093	130	does	do	AUX
cblr-2965	1093	131	not	not	PART
cblr-2965	1093	132	appear	appear	VERB
cblr-2965	1093	133	to	to	PART
cblr-2965	1093	134	give	give	VERB
cblr-2965	1093	135	their	their	PRON
cblr-2965	1093	136	clients	client	NOUN
cblr-2965	1093	137	better	well	ADJ
cblr-2965	1093	138	returns	return	NOUN
cblr-2965	1093	139	or	or	CCONJ
cblr-2965	1093	140	lower	low	ADJ
cblr-2965	1093	141	expenses	expense	NOUN
cblr-2965	1093	142	.	.	PUNCT
cblr-2965	1094	1	in	in	ADP
cblr-2965	1094	2	addition	addition	NOUN
cblr-2965	1094	3	,	,	PUNCT
cblr-2965	1094	4	brokers	broker	NOUN
cblr-2965	1094	5	do	do	AUX
cblr-2965	1094	6	not	not	PART
cblr-2965	1094	7	reduce	reduce	VERB
cblr-2965	1094	8	investors	investor	NOUN
cblr-2965	1094	9	'	'	PART
cblr-2965	1094	10	chasing	chasing	NOUN
cblr-2965	1094	11	of	of	ADP
cblr-2965	1094	12	past	past	ADJ
cblr-2965	1094	13	performance	performance	NOUN
cblr-2965	1094	14	;	;	PUNCT
cblr-2965	1094	15	investors	investor	NOUN
cblr-2965	1094	16	who	who	PRON
cblr-2965	1094	17	buy	buy	VERB
cblr-2965	1094	18	funds	fund	NOUN
cblr-2965	1094	19	through	through	ADP
cblr-2965	1094	20	brokers	broker	NOUN
cblr-2965	1094	21	are	be	AUX
cblr-2965	1094	22	as	as	ADV
cblr-2965	1094	23	likely	likely	ADJ
cblr-2965	1094	24	to	to	PART
cblr-2965	1094	25	chase	chase	VERB
cblr-2965	1094	26	"	"	PUNCT
cblr-2965	1094	27	hot	hot	ADJ
cblr-2965	1094	28	"	"	PUNCT
cblr-2965	1094	29	funds	fund	NOUN
cblr-2965	1094	30	as	as	SCONJ
cblr-2965	1094	31	are	be	AUX
cblr-2965	1094	32	investors	investor	NOUN
cblr-2965	1094	33	who	who	PRON
cblr-2965	1094	34	buy	buy	VERB
cblr-2965	1094	35	through	through	ADP
cblr-2965	1094	36	direct	direct	ADJ
cblr-2965	1094	37	channels	channel	NOUN
cblr-2965	1094	38	.279	.279	NUM
cblr-2965	1094	39	273	273	NUM
cblr-2965	1095	1	i	i	PRON
cblr-2965	1095	2	d.	d.	PROPN
cblr-2965	1095	3	at	at	ADP
cblr-2965	1095	4	12	12	NUM
cblr-2965	1095	5	.	.	PUNCT
cblr-2965	1096	1	274	274	NUM
cblr-2965	1096	2	i	i	PRON
cblr-2965	1096	3	d.	d.	NOUN
cblr-2965	1096	4	at	at	ADP
cblr-2965	1096	5	11	11	NUM
cblr-2965	1096	6	-	-	SYM
cblr-2965	1096	7	12	12	NUM
cblr-2965	1096	8	.	.	PUNCT
cblr-2965	1097	1	275	275	NUM
cblr-2965	1097	2	i	i	PRON
cblr-2965	1097	3	d.	d.	PROPN
cblr-2965	1097	4	at	at	ADP
cblr-2965	1097	5	13	13	NUM
cblr-2965	1097	6	-	-	SYM
cblr-2965	1097	7	14	14	NUM
cblr-2965	1097	8	.	.	PUNCT
cblr-2965	1097	9	276	276	NUM
cblr-2965	1098	1	i	i	PRON
cblr-2965	1098	2	d.	d.	PROPN
cblr-2965	1098	3	at	at	ADP
cblr-2965	1098	4	15	15	NUM
cblr-2965	1098	5	.	.	PUNCT
cblr-2965	1099	1	277	277	NUM
cblr-2965	1100	1	i	i	PRON
cblr-2965	1100	2	d.	d.	PROPN
cblr-2965	1100	3	278	278	NUM
cblr-2965	1101	1	i	i	PRON
cblr-2965	1101	2	d.	d.	PROPN
cblr-2965	1101	3	at	at	ADP
cblr-2965	1101	4	13	13	NUM
cblr-2965	1101	5	.	.	PUNCT
cblr-2965	1102	1	another	another	DET
cblr-2965	1102	2	indication	indication	NOUN
cblr-2965	1102	3	that	that	SCONJ
cblr-2965	1102	4	brokers	broker	NOUN
cblr-2965	1102	5	direct	direct	ADJ
cblr-2965	1102	6	investors	investor	NOUN
cblr-2965	1102	7	to	to	ADP
cblr-2965	1102	8	less	less	ADV
cblr-2965	1102	9	well	well	ADV
cblr-2965	1102	10	-	-	PUNCT
cblr-2965	1102	11	known	know	VERB
cblr-2965	1102	12	mutual	mutual	ADJ
cblr-2965	1102	13	funds	fund	NOUN
cblr-2965	1102	14	is	be	AUX
cblr-2965	1102	15	that	that	SCONJ
cblr-2965	1102	16	funds	fund	NOUN
cblr-2965	1102	17	bought	buy	VERB
cblr-2965	1102	18	through	through	ADP
cblr-2965	1102	19	brokers	broker	NOUN
cblr-2965	1102	20	are	be	AUX
cblr-2965	1102	21	less	less	ADV
cblr-2965	1102	22	likely	likely	ADJ
cblr-2965	1102	23	to	to	PART
cblr-2965	1102	24	be	be	AUX
cblr-2965	1102	25	covered	cover	VERB
cblr-2965	1102	26	by	by	ADP
cblr-2965	1102	27	morningstar	morningstar	NOUN
cblr-2965	1102	28	than	than	SCONJ
cblr-2965	1102	29	are	be	AUX
cblr-2965	1102	30	funds	fund	NOUN
cblr-2965	1102	31	investors	investor	NOUN
cblr-2965	1102	32	buy	buy	VERB
cblr-2965	1102	33	directly	directly	ADV
cblr-2965	1102	34	.	.	PUNCT
cblr-2965	1103	1	i	i	PRON
cblr-2965	1103	2	d.	d.	PROPN
cblr-2965	1103	3	279	279	NUM
cblr-2965	1104	1	i	i	PRON
cblr-2965	1104	2	d.	d.	PROPN
cblr-2965	1104	3	at	at	ADP
cblr-2965	1104	4	15	15	NUM
cblr-2965	1104	5	-	-	SYM
cblr-2965	1104	6	16	16	NUM
cblr-2965	1104	7	.	.	PUNCT
cblr-2965	1105	1	columbia	columbia	PROPN
cblr-2965	1105	2	business	business	PROPN
cblr-2965	1105	3	la	la	PROPN
cblr-2965	1105	4	w	w	PROPN
cblr-2965	1105	5	re	re	VERB
cblr-2965	1105	6	view	view	NOUN
cblr-2965	1105	7	[	[	X
cblr-2965	1105	8	vol	vol	NOUN
cblr-2965	1105	9	.	.	NOUN
cblr-2965	1105	10	2008	2008	NUM
cblr-2965	1105	11	mutual	mutual	ADJ
cblr-2965	1105	12	fund	fund	NOUN
cblr-2965	1105	13	investors	investor	NOUN
cblr-2965	1105	14	4	4	NUM
cblr-2965	1105	15	.	.	X
cblr-2965	1106	1	summary	summary	NOUN
cblr-2965	1106	2	and	and	CCONJ
cblr-2965	1106	3	analysis	analysis	NOUN
cblr-2965	1106	4	many	many	ADJ
cblr-2965	1106	5	investors	investor	NOUN
cblr-2965	1106	6	seek	seek	VERB
cblr-2965	1106	7	the	the	DET
cblr-2965	1106	8	advice	advice	NOUN
cblr-2965	1106	9	of	of	ADP
cblr-2965	1106	10	financial	financial	ADJ
cblr-2965	1106	11	advisers	adviser	NOUN
cblr-2965	1106	12	when	when	SCONJ
cblr-2965	1106	13	picking	pick	VERB
cblr-2965	1106	14	a	a	DET
cblr-2965	1106	15	mutual	mutual	ADJ
cblr-2965	1106	16	fund	fund	NOUN
cblr-2965	1106	17	.	.	PUNCT
cblr-2965	1107	1	but	but	CCONJ
cblr-2965	1107	2	this	this	PRON
cblr-2965	1107	3	should	should	AUX
cblr-2965	1107	4	not	not	PART
cblr-2965	1107	5	give	give	VERB
cblr-2965	1107	6	comfort	comfort	NOUN
cblr-2965	1107	7	to	to	ADP
cblr-2965	1107	8	regulators	regulator	NOUN
cblr-2965	1107	9	.	.	PUNCT
cblr-2965	1108	1	there	there	PRON
cblr-2965	1108	2	is	be	VERB
cblr-2965	1108	3	little	little	ADJ
cblr-2965	1108	4	evidence	evidence	NOUN
cblr-2965	1108	5	that	that	SCONJ
cblr-2965	1108	6	financial	financial	ADJ
cblr-2965	1108	7	advisers	adviser	NOUN
cblr-2965	1108	8	provide	provide	VERB
cblr-2965	1108	9	tangible	tangible	ADJ
cblr-2965	1108	10	benefits	benefit	NOUN
cblr-2965	1108	11	to	to	PART
cblr-2965	1108	12	fund	fund	VERB
cblr-2965	1108	13	investors	investor	NOUN
cblr-2965	1108	14	or	or	CCONJ
cblr-2965	1108	15	help	help	VERB
cblr-2965	1108	16	them	they	PRON
cblr-2965	1108	17	provide	provide	VERB
cblr-2965	1108	18	market	market	NOUN
cblr-2965	1108	19	discipline	discipline	NOUN
cblr-2965	1108	20	over	over	ADP
cblr-2965	1108	21	mutual	mutual	ADJ
cblr-2965	1108	22	funds	fund	NOUN
cblr-2965	1108	23	.	.	PUNCT
cblr-2965	1109	1	nonetheless	nonetheless	ADV
cblr-2965	1109	2	,	,	PUNCT
cblr-2965	1109	3	financial	financial	ADJ
cblr-2965	1109	4	advisers	adviser	NOUN
cblr-2965	1109	5	might	might	AUX
cblr-2965	1109	6	benefit	benefit	VERB
cblr-2965	1109	7	investors	investor	NOUN
cblr-2965	1109	8	in	in	ADP
cblr-2965	1109	9	other	other	ADJ
cblr-2965	1109	10	ways	way	NOUN
cblr-2965	1109	11	that	that	PRON
cblr-2965	1109	12	have	have	AUX
cblr-2965	1109	13	not	not	PART
cblr-2965	1109	14	been	be	AUX
cblr-2965	1109	15	studied	study	VERB
cblr-2965	1109	16	.	.	PUNCT
cblr-2965	1110	1	for	for	ADP
cblr-2965	1110	2	example	example	NOUN
cblr-2965	1110	3	,	,	PUNCT
cblr-2965	1110	4	they	they	PRON
cblr-2965	1110	5	"	"	PUNCT
cblr-2965	1110	6	may	may	AUX
cblr-2965	1110	7	help	help	VERB
cblr-2965	1110	8	their	their	PRON
cblr-2965	1110	9	clients	client	NOUN
cblr-2965	1110	10	save	save	VERB
cblr-2965	1110	11	more	more	ADJ
cblr-2965	1110	12	than	than	SCONJ
cblr-2965	1110	13	they	they	PRON
cblr-2965	1110	14	would	would	AUX
cblr-2965	1110	15	otherwise	otherwise	ADV
cblr-2965	1110	16	save	save	VERB
cblr-2965	1110	17	,	,	PUNCT
cblr-2965	1110	18	they	they	PRON
cblr-2965	1110	19	may	may	AUX
cblr-2965	1110	20	help	help	VERB
cblr-2965	1110	21	clients	client	NOUN
cblr-2965	1110	22	more	more	ADV
cblr-2965	1110	23	efficiently	efficiently	ADV
cblr-2965	1110	24	use	use	VERB
cblr-2965	1110	25	their	their	PRON
cblr-2965	1110	26	scarce	scarce	ADJ
cblr-2965	1110	27	time	time	NOUN
cblr-2965	1110	28	,	,	PUNCT
cblr-2965	1110	29	they	they	PRON
cblr-2965	1110	30	may	may	AUX
cblr-2965	1110	31	help	help	VERB
cblr-2965	1110	32	customize	customize	VERB
cblr-2965	1110	33	portfolios	portfolio	NOUN
cblr-2965	1110	34	to	to	ADP
cblr-2965	1110	35	investors	investor	NOUN
cblr-2965	1110	36	'	'	PART
cblr-2965	1110	37	risk	risk	NOUN
cblr-2965	1110	38	tolerances	tolerance	NOUN
cblr-2965	1110	39	,	,	PUNCT
cblr-2965	1110	40	and	and	CCONJ
cblr-2965	1110	41	they	they	PRON
cblr-2965	1110	42	may	may	AUX
cblr-2965	1110	43	increase	increase	VERB
cblr-2965	1110	44	overall	overall	ADJ
cblr-2965	1110	45	investor	investor	NOUN
cblr-2965	1110	46	comfort	comfort	NOUN
cblr-2965	1110	47	with	with	ADP
cblr-2965	1110	48	their	their	PRON
cblr-2965	1110	49	investment	investment	NOUN
cblr-2965	1110	50	decisions	decision	NOUN
cblr-2965	1110	51	.	.	PUNCT
cblr-2965	1111	1	"280	"280	PROPN
cblr-2965	1111	2	still	still	ADV
cblr-2965	1111	3	,	,	PUNCT
cblr-2965	1111	4	even	even	ADV
cblr-2965	1111	5	if	if	SCONJ
cblr-2965	1111	6	such	such	ADJ
cblr-2965	1111	7	benefits	benefit	NOUN
cblr-2965	1111	8	exist	exist	VERB
cblr-2965	1111	9	,	,	PUNCT
cblr-2965	1111	10	they	they	PRON
cblr-2965	1111	11	do	do	AUX
cblr-2965	1111	12	not	not	PART
cblr-2965	1111	13	help	help	VERB
cblr-2965	1111	14	provide	provide	VERB
cblr-2965	1111	15	the	the	DET
cblr-2965	1111	16	market	market	NOUN
cblr-2965	1111	17	discipline	discipline	NOUN
cblr-2965	1111	18	over	over	ADP
cblr-2965	1111	19	mutual	mutual	ADJ
cblr-2965	1111	20	funds	fund	NOUN
cblr-2965	1111	21	upon	upon	SCONJ
cblr-2965	1111	22	which	which	PRON
cblr-2965	1111	23	the	the	DET
cblr-2965	1111	24	sec	sec	PROPN
cblr-2965	1111	25	's	's	PART
cblr-2965	1111	26	disclosure	disclosure	NOUN
cblr-2965	1111	27	-	-	PUNCT
cblr-2965	1111	28	based	base	VERB
cblr-2965	1111	29	regime	regime	NOUN
cblr-2965	1111	30	relies	rely	VERB
cblr-2965	1111	31	.	.	PUNCT
cblr-2965	1112	1	g.	g.	PROPN
cblr-2965	1112	2	advertising	advertising	NOUN
cblr-2965	1112	3	does	do	AUX
cblr-2965	1112	4	not	not	PART
cblr-2965	1112	5	benefit	benefit	VERB
cblr-2965	1112	6	investors	investor	NOUN
cblr-2965	1112	7	in	in	ADP
cblr-2965	1112	8	addition	addition	NOUN
cblr-2965	1112	9	to	to	ADP
cblr-2965	1112	10	listening	listen	VERB
cblr-2965	1112	11	to	to	ADP
cblr-2965	1112	12	financial	financial	ADJ
cblr-2965	1112	13	advisers	adviser	NOUN
cblr-2965	1112	14	,	,	PUNCT
cblr-2965	1112	15	investors	investor	NOUN
cblr-2965	1112	16	pay	pay	VERB
cblr-2965	1112	17	attention	attention	NOUN
cblr-2965	1112	18	to	to	ADP
cblr-2965	1112	19	mutual	mutual	ADJ
cblr-2965	1112	20	fund	fund	NOUN
cblr-2965	1112	21	advertisements	advertisement	NOUN
cblr-2965	1112	22	.	.	PUNCT
cblr-2965	1113	1	unfortunately	unfortunately	ADV
cblr-2965	1113	2	,	,	PUNCT
cblr-2965	1113	3	these	these	DET
cblr-2965	1113	4	advertisements	advertisement	NOUN
cblr-2965	1113	5	do	do	AUX
cblr-2965	1113	6	not	not	PART
cblr-2965	1113	7	help	help	VERB
cblr-2965	1113	8	investors	investor	NOUN
cblr-2965	1113	9	make	make	VERB
cblr-2965	1113	10	better	well	ADJ
cblr-2965	1113	11	fund	fund	NOUN
cblr-2965	1113	12	choices	choice	NOUN
cblr-2965	1113	13	.	.	PUNCT
cblr-2965	1114	1	instead	instead	ADV
cblr-2965	1114	2	,	,	PUNCT
cblr-2965	1114	3	advertisements	advertisement	NOUN
cblr-2965	1114	4	tend	tend	VERB
cblr-2965	1114	5	to	to	PART
cblr-2965	1114	6	exploit	exploit	VERB
cblr-2965	1114	7	the	the	DET
cblr-2965	1114	8	tendency	tendency	NOUN
cblr-2965	1114	9	of	of	ADP
cblr-2965	1114	10	investors	investor	NOUN
cblr-2965	1114	11	to	to	PART
cblr-2965	1114	12	chase	chase	VERB
cblr-2965	1114	13	past	past	ADJ
cblr-2965	1114	14	returns	return	NOUN
cblr-2965	1114	15	.	.	PUNCT
cblr-2965	1115	1	1	1	X
cblr-2965	1115	2	.	.	X
cblr-2965	1115	3	importance	importance	NOUN
cblr-2965	1115	4	of	of	ADP
cblr-2965	1115	5	advertising	advertising	NOUN
cblr-2965	1115	6	to	to	ADP
cblr-2965	1115	7	investors	investor	NOUN
cblr-2965	1115	8	in	in	ADP
cblr-2965	1115	9	capon	capon	NOUN
cblr-2965	1115	10	,	,	PUNCT
cblr-2965	1115	11	fitzsimons	fitzsimon	NOUN
cblr-2965	1115	12	and	and	CCONJ
cblr-2965	1115	13	prince	prince	PROPN
cblr-2965	1115	14	's	's	PART
cblr-2965	1115	15	survey	survey	NOUN
cblr-2965	1115	16	,	,	PUNCT
cblr-2965	1115	17	fund	fund	NOUN
cblr-2965	1115	18	investors	investor	NOUN
cblr-2965	1115	19	stated	state	VERB
cblr-2965	1115	20	that	that	SCONJ
cblr-2965	1115	21	advertising	advertising	NOUN
cblr-2965	1115	22	was	be	AUX
cblr-2965	1115	23	their	their	PRON
cblr-2965	1115	24	second	second	ADJ
cblr-2965	1115	25	most	most	ADV
cblr-2965	1115	26	important	important	ADJ
cblr-2965	1115	27	source	source	NOUN
cblr-2965	1115	28	of	of	ADP
cblr-2965	1115	29	information	information	NOUN
cblr-2965	1115	30	.	.	PUNCT
cblr-2965	1116	1	281	281	NUM
cblr-2965	1116	2	advertising	advertising	NOUN
cblr-2965	1116	3	's	's	PART
cblr-2965	1116	4	importance	importance	NOUN
cblr-2965	1116	5	to	to	ADP
cblr-2965	1116	6	investors	investor	NOUN
cblr-2965	1116	7	is	be	AUX
cblr-2965	1116	8	confirmed	confirm	VERB
cblr-2965	1116	9	by	by	ADP
cblr-2965	1116	10	studies	study	NOUN
cblr-2965	1116	11	finding	find	VERB
cblr-2965	1116	12	that	that	SCONJ
cblr-2965	1116	13	mutual	mutual	ADJ
cblr-2965	1116	14	fund	fund	NOUN
cblr-2965	1116	15	advertising	advertising	NOUN
cblr-2965	1116	16	works	work	NOUN
cblr-2965	1116	17	.	.	PUNCT
cblr-2965	1117	1	for	for	ADP
cblr-2965	1117	2	example	example	NOUN
cblr-2965	1117	3	,	,	PUNCT
cblr-2965	1117	4	jain	jain	PROPN
cblr-2965	1117	5	and	and	CCONJ
cblr-2965	1117	6	wu	wu	PROPN
cblr-2965	1117	7	examined	examine	VERB
cblr-2965	1117	8	fund	fund	NOUN
cblr-2965	1117	9	flows	flow	VERB
cblr-2965	1117	10	into	into	ADP
cblr-2965	1117	11	294	294	NUM
cblr-2965	1117	12	equity	equity	NOUN
cblr-2965	1117	13	mutual	mutual	ADJ
cblr-2965	1117	14	funds	fund	NOUN
cblr-2965	1117	15	that	that	PRON
cblr-2965	1117	16	advertised	advertise	VERB
cblr-2965	1117	17	in	in	ADP
cblr-2965	1117	18	barron	barron	PROPN
cblr-2965	1117	19	's	's	PART
cblr-2965	1117	20	or	or	CCONJ
cblr-2965	1117	21	money	money	NOUN
cblr-2965	1117	22	magazine	magazine	NOUN
cblr-2965	1117	23	.	.	PUNCT
cblr-2965	1118	1	they	they	PRON
cblr-2965	1118	2	found	find	VERB
cblr-2965	1118	3	that	that	SCONJ
cblr-2965	1118	4	these	these	DET
cblr-2965	1118	5	advertised	advertise	VERB
cblr-2965	1118	6	funds	fund	NOUN
cblr-2965	1118	7	experienced	experience	VERB
cblr-2965	1118	8	approximately	approximately	ADV
cblr-2965	1118	9	20	20	NUM
cblr-2965	1118	10	%	%	NOUN
cblr-2965	1118	11	greater	great	ADJ
cblr-2965	1118	12	280	280	NUM
cblr-2965	1118	13	i	i	PROPN
cblr-2965	1118	14	d.	d.	NOUN
cblr-2965	1118	15	at	at	ADP
cblr-2965	1118	16	2	2	NUM
cblr-2965	1118	17	-	-	SYM
cblr-2965	1118	18	3	3	NUM
cblr-2965	1118	19	.	.	NOUN
cblr-2965	1118	20	281	281	NUM
cblr-2965	1118	21	capon	capon	NOUN
cblr-2965	1118	22	et	et	NOUN
cblr-2965	1118	23	al	al	PROPN
cblr-2965	1118	24	.	.	PROPN
cblr-2965	1118	25	,	,	PUNCT
cblr-2965	1118	26	supra	supra	PROPN
cblr-2965	1118	27	note	note	PROPN
cblr-2965	1118	28	147	147	NUM
cblr-2965	1118	29	,	,	PUNCT
cblr-2965	1118	30	at	at	ADP
cblr-2965	1118	31	66	66	NUM
cblr-2965	1118	32	tbl.1	tbl.1	ADV
cblr-2965	1118	33	.	.	PUNCT
cblr-2965	1119	1	no	no	INTJ
cblr-2965	1119	2	.	.	PUNCT
cblr-2965	1120	1	3:934	3:934	X
cblr-2965	1120	2	]	]	X
cblr-2965	1120	3	flow	flow	NOUN
cblr-2965	1120	4	than	than	SCONJ
cblr-2965	1120	5	did	do	VERB
cblr-2965	1120	6	similar	similar	ADJ
cblr-2965	1120	7	funds	fund	NOUN
cblr-2965	1120	8	that	that	PRON
cblr-2965	1120	9	did	do	AUX
cblr-2965	1120	10	not	not	PART
cblr-2965	1120	11	advertise.282	advertise.282	PROPN
cblr-2965	1120	12	in	in	ADP
cblr-2965	1120	13	addition	addition	NOUN
cblr-2965	1120	14	,	,	PUNCT
cblr-2965	1120	15	they	they	PRON
cblr-2965	1120	16	found	find	VERB
cblr-2965	1120	17	that	that	SCONJ
cblr-2965	1120	18	funds	fund	NOUN
cblr-2965	1120	19	that	that	PRON
cblr-2965	1120	20	are	be	AUX
cblr-2965	1120	21	advertised	advertise	VERB
cblr-2965	1120	22	more	more	ADV
cblr-2965	1120	23	often	often	ADV
cblr-2965	1120	24	received	receive	VERB
cblr-2965	1120	25	even	even	ADV
cblr-2965	1120	26	more	more	ADV
cblr-2965	1120	27	flow.2"3	flow.2"3	ADV
cblr-2965	1120	28	similarly	similarly	ADV
cblr-2965	1120	29	,	,	PUNCT
cblr-2965	1120	30	gallaher	gallaher	NOUN
cblr-2965	1120	31	,	,	PUNCT
cblr-2965	1120	32	kaniel	kaniel	PROPN
cblr-2965	1120	33	and	and	CCONJ
cblr-2965	1120	34	starks	stark	NOUN
cblr-2965	1120	35	examined	examine	VERB
cblr-2965	1120	36	the	the	DET
cblr-2965	1120	37	effect	effect	NOUN
cblr-2965	1120	38	of	of	ADP
cblr-2965	1120	39	advertising	advertising	NOUN
cblr-2965	1120	40	on	on	ADP
cblr-2965	1120	41	flows	flow	NOUN
cblr-2965	1120	42	into	into	ADP
cblr-2965	1120	43	approximately	approximately	ADV
cblr-2965	1120	44	100	100	NUM
cblr-2965	1120	45	fund	fund	NOUN
cblr-2965	1120	46	families	family	NOUN
cblr-2965	1120	47	.	.	PUNCT
cblr-2965	1121	1	they	they	PRON
cblr-2965	1121	2	found	find	VERB
cblr-2965	1121	3	that	that	SCONJ
cblr-2965	1121	4	the	the	DET
cblr-2965	1121	5	effect	effect	NOUN
cblr-2965	1121	6	of	of	ADP
cblr-2965	1121	7	advertising	advertising	NOUN
cblr-2965	1121	8	on	on	ADP
cblr-2965	1121	9	flows	flow	NOUN
cblr-2965	1121	10	into	into	ADP
cblr-2965	1121	11	fund	fund	NOUN
cblr-2965	1121	12	families	family	NOUN
cblr-2965	1121	13	is	be	AUX
cblr-2965	1121	14	convex	convex	ADJ
cblr-2965	1121	15	:	:	PUNCT
cblr-2965	1121	16	"	"	PUNCT
cblr-2965	1121	17	high	high	ADJ
cblr-2965	1121	18	relative	relative	ADJ
cblr-2965	1121	19	levels	level	NOUN
cblr-2965	1121	20	of	of	ADP
cblr-2965	1121	21	advertising	advertising	NOUN
cblr-2965	1121	22	are	be	AUX
cblr-2965	1121	23	significantly	significantly	ADV
cblr-2965	1121	24	related	relate	VERB
cblr-2965	1121	25	to	to	ADP
cblr-2965	1121	26	high	high	ADJ
cblr-2965	1121	27	fund	fund	NOUN
cblr-2965	1121	28	flows	flow	NOUN
cblr-2965	1121	29	at	at	ADP
cblr-2965	1121	30	the	the	DET
cblr-2965	1121	31	family	family	NOUN
cblr-2965	1121	32	level	level	NOUN
cblr-2965	1121	33	,	,	PUNCT
cblr-2965	1121	34	while	while	SCONJ
cblr-2965	1121	35	variations	variation	NOUN
cblr-2965	1121	36	of	of	ADP
cblr-2965	1121	37	relative	relative	ADJ
cblr-2965	1121	38	levels	level	NOUN
cblr-2965	1121	39	of	of	ADP
cblr-2965	1121	40	advertising	advertising	NOUN
cblr-2965	1121	41	within	within	ADP
cblr-2965	1121	42	the	the	DET
cblr-2965	1121	43	low	low	ADJ
cblr-2965	1121	44	advertising	advertising	NOUN
cblr-2965	1121	45	group	group	NOUN
cblr-2965	1121	46	do	do	AUX
cblr-2965	1121	47	not	not	PART
cblr-2965	1121	48	have	have	VERB
cblr-2965	1121	49	a	a	DET
cblr-2965	1121	50	significant	significant	ADJ
cblr-2965	1121	51	impact	impact	NOUN
cblr-2965	1121	52	on	on	ADP
cblr-2965	1121	53	flows	flow	NOUN
cblr-2965	1121	54	to	to	ADP
cblr-2965	1121	55	the	the	DET
cblr-2965	1121	56	family	family	NOUN
cblr-2965	1121	57	.	.	PUNCT
cblr-2965	1122	1	"284	"284	PROPN
cblr-2965	1123	1	in	in	ADP
cblr-2965	1123	2	other	other	ADJ
cblr-2965	1123	3	words	word	NOUN
cblr-2965	1123	4	,	,	PUNCT
cblr-2965	1123	5	fund	fund	NOUN
cblr-2965	1123	6	investors	investor	NOUN
cblr-2965	1123	7	respond	respond	VERB
cblr-2965	1123	8	to	to	ADP
cblr-2965	1123	9	advertising	advertising	NOUN
cblr-2965	1123	10	inundation	inundation	NOUN
cblr-2965	1123	11	.	.	PUNCT
cblr-2965	1124	1	2	2	X
cblr-2965	1124	2	.	.	NUM
cblr-2965	1124	3	benefits	benefit	NOUN
cblr-2965	1124	4	and	and	CCONJ
cblr-2965	1124	5	harms	harm	NOUN
cblr-2965	1124	6	of	of	ADP
cblr-2965	1124	7	advertising	advertising	NOUN
cblr-2965	1124	8	advertising	advertising	NOUN
cblr-2965	1124	9	clearly	clearly	ADV
cblr-2965	1124	10	benefits	benefit	VERB
cblr-2965	1124	11	mutual	mutual	ADJ
cblr-2965	1124	12	fund	fund	NOUN
cblr-2965	1124	13	management	management	NOUN
cblr-2965	1124	14	companies	company	NOUN
cblr-2965	1124	15	.	.	PUNCT
cblr-2965	1125	1	management	management	NOUN
cblr-2965	1125	2	fees	fee	NOUN
cblr-2965	1125	3	are	be	AUX
cblr-2965	1125	4	based	base	VERB
cblr-2965	1125	5	on	on	ADP
cblr-2965	1125	6	the	the	DET
cblr-2965	1125	7	amount	amount	NOUN
cblr-2965	1125	8	of	of	ADP
cblr-2965	1125	9	assets	asset	NOUN
cblr-2965	1125	10	in	in	ADP
cblr-2965	1125	11	the	the	DET
cblr-2965	1125	12	fund	fund	NOUN
cblr-2965	1125	13	,	,	PUNCT
cblr-2965	1125	14	so	so	ADV
cblr-2965	1125	15	advertising	advertising	NOUN
cblr-2965	1125	16	can	can	AUX
cblr-2965	1125	17	increase	increase	VERB
cblr-2965	1125	18	management	management	NOUN
cblr-2965	1125	19	fees	fee	NOUN
cblr-2965	1125	20	by	by	ADP
cblr-2965	1125	21	increasing	increase	VERB
cblr-2965	1125	22	flow	flow	NOUN
cblr-2965	1125	23	.	.	PUNCT
cblr-2965	1126	1	because	because	SCONJ
cblr-2965	1126	2	investors	investor	NOUN
cblr-2965	1126	3	chase	chase	VERB
cblr-2965	1126	4	past	past	ADJ
cblr-2965	1126	5	returns	return	NOUN
cblr-2965	1126	6	,	,	PUNCT
cblr-2965	1126	7	it	it	PRON
cblr-2965	1126	8	is	be	AUX
cblr-2965	1126	9	unsurprising	unsurprising	ADJ
cblr-2965	1126	10	that	that	SCONJ
cblr-2965	1126	11	mutual	mutual	ADJ
cblr-2965	1126	12	fund	fund	NOUN
cblr-2965	1126	13	companies	company	NOUN
cblr-2965	1126	14	often	often	ADV
cblr-2965	1126	15	advertise	advertise	VERB
cblr-2965	1126	16	high	high	ADJ
cblr-2965	1126	17	past	past	ADJ
cblr-2965	1126	18	returns	return	NOUN
cblr-2965	1126	19	.	.	PUNCT
cblr-2965	1127	1	huhmann	huhmann	PROPN
cblr-2965	1127	2	and	and	CCONJ
cblr-2965	1127	3	bhattacharyya	bhattacharyya	PROPN
cblr-2965	1127	4	found	find	VERB
cblr-2965	1127	5	that	that	SCONJ
cblr-2965	1127	6	almost	almost	ADV
cblr-2965	1127	7	42	42	NUM
cblr-2965	1127	8	%	%	NOUN
cblr-2965	1127	9	of	of	ADP
cblr-2965	1127	10	mutual	mutual	ADJ
cblr-2965	1127	11	fund	fund	NOUN
cblr-2965	1127	12	advertisements	advertisement	NOUN
cblr-2965	1127	13	in	in	ADP
cblr-2965	1127	14	barron	barron	PROPN
cblr-2965	1127	15	's	's	PART
cblr-2965	1127	16	and	and	CCONJ
cblr-2965	1127	17	money	money	NOUN
cblr-2965	1127	18	magazine	magazine	NOUN
cblr-2965	1127	19	over	over	ADP
cblr-2965	1127	20	a	a	DET
cblr-2965	1127	21	two	two	NUM
cblr-2965	1127	22	-	-	PUNCT
cblr-2965	1127	23	year	year	NOUN
cblr-2965	1127	24	period	period	NOUN
cblr-2965	1127	25	mentioned	mention	VERB
cblr-2965	1127	26	a	a	DET
cblr-2965	1127	27	fund	fund	NOUN
cblr-2965	1127	28	's	's	PART
cblr-2965	1127	29	high	high	ADJ
cblr-2965	1127	30	or	or	CCONJ
cblr-2965	1127	31	increasing	increase	VERB
cblr-2965	1127	32	returns	return	NOUN
cblr-2965	1127	33	,	,	PUNCT
cblr-2965	1127	34	and	and	CCONJ
cblr-2965	1127	35	an	an	DET
cblr-2965	1127	36	additional	additional	ADJ
cblr-2965	1127	37	26	26	NUM
cblr-2965	1127	38	%	%	NOUN
cblr-2965	1127	39	of	of	ADP
cblr-2965	1127	40	the	the	DET
cblr-2965	1127	41	advertisements	advertisement	NOUN
cblr-2965	1127	42	explicitly	explicitly	ADV
cblr-2965	1127	43	discussed	discuss	VERB
cblr-2965	1127	44	risk	risk	NOUN
cblr-2965	1127	45	-	-	PUNCT
cblr-2965	1127	46	adjusted	adjust	VERB
cblr-2965	1127	47	returns.285	returns.285	PROPN
cblr-2965	1127	48	similarly	similarly	ADV
cblr-2965	1127	49	,	,	PUNCT
cblr-2965	1127	50	mullainathan	mullainathan	PROPN
cblr-2965	1127	51	and	and	CCONJ
cblr-2965	1127	52	shleifer	shleifer	PROPN
cblr-2965	1127	53	examined	examine	VERB
cblr-2965	1127	54	mutual	mutual	ADJ
cblr-2965	1127	55	fund	fund	NOUN
cblr-2965	1127	56	advertisements	advertisement	NOUN
cblr-2965	1127	57	that	that	PRON
cblr-2965	1127	58	appeared	appear	VERB
cblr-2965	1127	59	in	in	ADP
cblr-2965	1127	60	money	money	NOUN
cblr-2965	1127	61	and	and	CCONJ
cblr-2965	1127	62	business	business	NOUN
cblr-2965	1127	63	week	week	NOUN
cblr-2965	1127	64	over	over	ADP
cblr-2965	1127	65	a	a	DET
cblr-2965	1127	66	nine	nine	NUM
cblr-2965	1127	67	-	-	PUNCT
cblr-2965	1127	68	year	year	NOUN
cblr-2965	1127	69	period	period	NOUN
cblr-2965	1127	70	and	and	CCONJ
cblr-2965	1127	71	ten	ten	NUM
cblr-2965	1127	72	-	-	PUNCT
cblr-2965	1127	73	year	year	NOUN
cblr-2965	1127	74	period	period	NOUN
cblr-2965	1127	75	,	,	PUNCT
cblr-2965	1127	76	282	282	NUM
cblr-2965	1127	77	prem	prem	PROPN
cblr-2965	1127	78	c.	c.	PROPN
cblr-2965	1127	79	jain	jain	PROPN
cblr-2965	1127	80	&	&	CCONJ
cblr-2965	1127	81	joanna	joanna	PROPN
cblr-2965	1127	82	shuang	shuang	PROPN
cblr-2965	1127	83	wu	wu	PROPN
cblr-2965	1127	84	,	,	PUNCT
cblr-2965	1127	85	truth	truth	NOUN
cblr-2965	1127	86	in	in	ADP
cblr-2965	1127	87	mutual	mutual	ADJ
cblr-2965	1127	88	fund	fund	NOUN
cblr-2965	1127	89	advertising	advertising	NOUN
cblr-2965	1127	90	:	:	PUNCT
cblr-2965	1127	91	evidence	evidence	NOUN
cblr-2965	1127	92	on	on	ADP
cblr-2965	1127	93	future	future	ADJ
cblr-2965	1127	94	performance	performance	NOUN
cblr-2965	1127	95	and	and	CCONJ
cblr-2965	1127	96	fund	fund	NOUN
cblr-2965	1127	97	flows	flow	NOUN
cblr-2965	1127	98	,	,	PUNCT
cblr-2965	1127	99	55	55	NUM
cblr-2965	1127	100	j.	j.	PROPN
cblr-2965	1127	101	fin	fin	PROPN
cblr-2965	1127	102	.	.	PUNCT
cblr-2965	1128	1	937	937	NUM
cblr-2965	1128	2	,	,	PUNCT
cblr-2965	1128	3	957	957	NUM
cblr-2965	1128	4	(	(	PUNCT
cblr-2965	1128	5	2000	2000	NUM
cblr-2965	1128	6	)	)	PUNCT
cblr-2965	1128	7	.	.	PUNCT
cblr-2965	1129	1	i	i	PRON
cblr-2965	1129	2	d.	d.	PROPN
cblr-2965	1129	3	2	2	NUM
cblr-2965	1129	4	gallaher	gallaher	PROPN
cblr-2965	1129	5	et	et	PROPN
cblr-2965	1129	6	al	al	PROPN
cblr-2965	1129	7	.	.	PROPN
cblr-2965	1129	8	,	,	PUNCT
cblr-2965	1129	9	supra	supra	PROPN
cblr-2965	1129	10	note	note	PROPN
cblr-2965	1129	11	183	183	NUM
cblr-2965	1129	12	,	,	PUNCT
cblr-2965	1129	13	at	at	ADP
cblr-2965	1129	14	31	31	NUM
cblr-2965	1129	15	.	.	PUNCT
cblr-2965	1130	1	285	285	NUM
cblr-2965	1130	2	bruce	bruce	PROPN
cblr-2965	1130	3	a.	a.	PROPN
cblr-2965	1130	4	huhmann	huhmann	PROPN
cblr-2965	1130	5	&	&	CCONJ
cblr-2965	1130	6	nalinaksha	nalinaksha	PROPN
cblr-2965	1130	7	bhattacharyya	bhattacharyya	ADJ
cblr-2965	1130	8	,	,	PUNCT
cblr-2965	1130	9	does	do	AUX
cblr-2965	1130	10	mutual	mutual	ADJ
cblr-2965	1130	11	fund	fund	NOUN
cblr-2965	1130	12	advertising	advertising	NOUN
cblr-2965	1130	13	provide	provide	VERB
cblr-2965	1130	14	necessary	necessary	ADJ
cblr-2965	1130	15	investment	investment	NOUN
cblr-2965	1130	16	information	information	NOUN
cblr-2965	1130	17	?	?	PUNCT
cblr-2965	1131	1	,	,	PUNCT
cblr-2965	1131	2	23	23	NUM
cblr-2965	1131	3	int'l	int'l	NOUN
cblr-2965	1131	4	.	.	PUNCT
cblr-2965	1132	1	j.	j.	PROPN
cblr-2965	1132	2	bank	bank	PROPN
cblr-2965	1132	3	mktg	mktg	PROPN
cblr-2965	1132	4	.	.	PUNCT
cblr-2965	1133	1	296	296	NUM
cblr-2965	1133	2	,	,	PUNCT
cblr-2965	1133	3	303	303	NUM
cblr-2965	1133	4	tbl.i	tbl.i	PROPN
cblr-2965	1133	5	(	(	PUNCT
cblr-2965	1133	6	2005	2005	NUM
cblr-2965	1133	7	)	)	PUNCT
cblr-2965	1133	8	.	.	PUNCT
cblr-2965	1134	1	columbia	columbia	PROPN
cblr-2965	1134	2	business	business	PROPN
cblr-2965	1134	3	law	law	PROPN
cblr-2965	1134	4	review	review	NOUN
cblr-2965	1135	1	[	[	X
cblr-2965	1135	2	vol	vol	NOUN
cblr-2965	1135	3	.	.	PUNCT
cblr-2965	1135	4	2008	2008	NUM
cblr-2965	1135	5	respectively.286	respectively.286	ADJ
cblr-2965	1135	6	they	they	PRON
cblr-2965	1135	7	found	find	VERB
cblr-2965	1135	8	that	that	SCONJ
cblr-2965	1135	9	funds	fund	NOUN
cblr-2965	1135	10	'	'	PART
cblr-2965	1135	11	past	past	ADJ
cblr-2965	1135	12	returns	return	NOUN
cblr-2965	1135	13	were	be	AUX
cblr-2965	1135	14	mentioned	mention	VERB
cblr-2965	1135	15	,	,	PUNCT
cblr-2965	1135	16	on	on	ADP
cblr-2965	1135	17	average	average	ADJ
cblr-2965	1135	18	,	,	PUNCT
cblr-2965	1135	19	in	in	ADP
cblr-2965	1135	20	62	62	NUM
cblr-2965	1135	21	%	%	NOUN
cblr-2965	1135	22	of	of	ADP
cblr-2965	1135	23	equity	equity	NOUN
cblr-2965	1135	24	mutual	mutual	ADJ
cblr-2965	1135	25	fund	fund	NOUN
cblr-2965	1135	26	advertisements	advertisement	NOUN
cblr-2965	1135	27	appearing	appear	VERB
cblr-2965	1135	28	in	in	ADP
cblr-2965	1135	29	money	money	NOUN
cblr-2965	1135	30	,	,	PUNCT
cblr-2965	1135	31	and	and	CCONJ
cblr-2965	1135	32	in	in	ADP
cblr-2965	1135	33	59	59	NUM
cblr-2965	1135	34	%	%	NOUN
cblr-2965	1135	35	of	of	ADP
cblr-2965	1135	36	equity	equity	NOUN
cblr-2965	1135	37	mutual	mutual	ADJ
cblr-2965	1135	38	fund	fund	NOUN
cblr-2965	1135	39	advertisements	advertisement	NOUN
cblr-2965	1135	40	appearing	appear	VERB
cblr-2965	1135	41	in	in	ADP
cblr-2965	1135	42	business	business	NOUN
cblr-2965	1135	43	week.2,7	week.2,7	NOUN
cblr-2965	1135	44	moreover	moreover	ADV
cblr-2965	1135	45	,	,	PUNCT
cblr-2965	1135	46	they	they	PRON
cblr-2965	1135	47	found	find	VERB
cblr-2965	1135	48	a	a	DET
cblr-2965	1135	49	high	high	ADJ
cblr-2965	1135	50	correlation	correlation	NOUN
cblr-2965	1135	51	(	(	PUNCT
cblr-2965	1135	52	greater	great	ADJ
cblr-2965	1135	53	than	than	ADP
cblr-2965	1135	54	0.7	0.7	NUM
cblr-2965	1135	55	)	)	PUNCT
cblr-2965	1135	56	between	between	ADP
cblr-2965	1135	57	the	the	DET
cblr-2965	1135	58	percentage	percentage	NOUN
cblr-2965	1135	59	of	of	ADP
cblr-2965	1135	60	equity	equity	NOUN
cblr-2965	1135	61	fund	fund	NOUN
cblr-2965	1135	62	advertisements	advertisement	NOUN
cblr-2965	1135	63	that	that	PRON
cblr-2965	1135	64	mention	mention	VERB
cblr-2965	1135	65	past	past	ADJ
cblr-2965	1135	66	returns	return	NOUN
cblr-2965	1135	67	and	and	CCONJ
cblr-2965	1135	68	the	the	DET
cblr-2965	1135	69	recent	recent	ADJ
cblr-2965	1135	70	performance	performance	NOUN
cblr-2965	1135	71	of	of	ADP
cblr-2965	1135	72	the	the	DET
cblr-2965	1135	73	stock	stock	NOUN
cblr-2965	1135	74	market	market	NOUN
cblr-2965	1135	75	in	in	ADP
cblr-2965	1135	76	general	general	ADJ
cblr-2965	1135	77	.	.	PUNCT
cblr-2965	1135	78	8	8	NUM
cblr-2965	1136	1	in	in	ADP
cblr-2965	1136	2	addition	addition	NOUN
cblr-2965	1136	3	,	,	PUNCT
cblr-2965	1136	4	swensen	swensen	PROPN
cblr-2965	1136	5	examined	examine	VERB
cblr-2965	1136	6	the	the	DET
cblr-2965	1136	7	extent	extent	NOUN
cblr-2965	1136	8	of	of	ADP
cblr-2965	1136	9	mutual	mutual	ADJ
cblr-2965	1136	10	fund	fund	NOUN
cblr-2965	1136	11	advertising	advertising	NOUN
cblr-2965	1136	12	from	from	ADP
cblr-2965	1136	13	1997	1997	NUM
cblr-2965	1136	14	to	to	ADP
cblr-2965	1136	15	2003	2003	NUM
cblr-2965	1136	16	in	in	ADP
cblr-2965	1136	17	the	the	DET
cblr-2965	1136	18	first	first	ADJ
cblr-2965	1136	19	quarter	quarter	NOUN
cblr-2965	1136	20	of	of	ADP
cblr-2965	1136	21	the	the	DET
cblr-2965	1136	22	wall	wall	PROPN
cblr-2965	1136	23	street	street	PROPN
cblr-2965	1136	24	journal	journal	PROPN
cblr-2965	1136	25	's	's	PART
cblr-2965	1136	26	mutual	mutual	ADJ
cblr-2965	1136	27	funds	fund	NOUN
cblr-2965	1136	28	quarterly	quarterly	ADJ
cblr-2965	1136	29	review	review	NOUN
cblr-2965	1136	30	,	,	PUNCT
cblr-2965	1136	31	a	a	DET
cblr-2965	1136	32	quarterly	quarterly	ADJ
cblr-2965	1136	33	mutual	mutual	ADJ
cblr-2965	1136	34	-	-	PUNCT
cblr-2965	1136	35	fund	fund	NOUN
cblr-2965	1136	36	supplement	supplement	NOUN
cblr-2965	1136	37	in	in	ADP
cblr-2965	1136	38	the	the	DET
cblr-2965	1136	39	wall	wall	PROPN
cblr-2965	1136	40	street	street	PROPN
cblr-2965	1136	41	journal.29	journal.29	PROPN
cblr-2965	1136	42	he	he	PRON
cblr-2965	1136	43	found	find	VERB
cblr-2965	1136	44	that	that	SCONJ
cblr-2965	1136	45	the	the	DET
cblr-2965	1136	46	space	space	NOUN
cblr-2965	1136	47	in	in	ADP
cblr-2965	1136	48	the	the	DET
cblr-2965	1136	49	review	review	NOUN
cblr-2965	1136	50	that	that	PRON
cblr-2965	1136	51	was	be	AUX
cblr-2965	1136	52	taken	take	VERB
cblr-2965	1136	53	up	up	ADP
cblr-2965	1136	54	by	by	ADP
cblr-2965	1136	55	mutual	mutual	ADJ
cblr-2965	1136	56	fund	fund	NOUN
cblr-2965	1136	57	advertisements	advertisement	NOUN
cblr-2965	1136	58	was	be	AUX
cblr-2965	1136	59	highly	highly	ADV
cblr-2965	1136	60	positively	positively	ADV
cblr-2965	1136	61	correlated	correlate	VERB
cblr-2965	1136	62	to	to	ADP
cblr-2965	1136	63	stock	stock	NOUN
cblr-2965	1136	64	prices	price	NOUN
cblr-2965	1136	65	.	.	PUNCT
cblr-2965	1137	1	for	for	ADP
cblr-2965	1137	2	example	example	NOUN
cblr-2965	1137	3	,	,	PUNCT
cblr-2965	1137	4	during	during	ADP
cblr-2965	1137	5	the	the	DET
cblr-2965	1137	6	bull	bull	NOUN
cblr-2965	1137	7	market	market	NOUN
cblr-2965	1137	8	from	from	ADP
cblr-2965	1137	9	1998	1998	NUM
cblr-2965	1137	10	to	to	ADP
cblr-2965	1137	11	2000	2000	NUM
cblr-2965	1137	12	,	,	PUNCT
cblr-2965	1137	13	mutual	mutual	ADJ
cblr-2965	1137	14	fund	fund	NOUN
cblr-2965	1137	15	advertisements	advertisement	NOUN
cblr-2965	1137	16	constituted	constitute	VERB
cblr-2965	1137	17	between	between	ADP
cblr-2965	1137	18	40	40	NUM
cblr-2965	1137	19	-	-	SYM
cblr-2965	1137	20	44	44	NUM
cblr-2965	1137	21	%	%	NOUN
cblr-2965	1137	22	of	of	ADP
cblr-2965	1137	23	the	the	DET
cblr-2965	1137	24	nearly	nearly	ADV
cblr-2965	1137	25	fifty	fifty	NUM
cblr-2965	1137	26	page	page	NOUN
cblr-2965	1137	27	reviews	review	NOUN
cblr-2965	1137	28	.	.	PUNCT
cblr-2965	1138	1	then	then	ADV
cblr-2965	1138	2	,	,	PUNCT
cblr-2965	1138	3	as	as	SCONJ
cblr-2965	1138	4	the	the	DET
cblr-2965	1138	5	bull	bull	NOUN
cblr-2965	1138	6	market	market	NOUN
cblr-2965	1138	7	ended	end	VERB
cblr-2965	1138	8	,	,	PUNCT
cblr-2965	1138	9	advertising	advertising	NOUN
cblr-2965	1138	10	was	be	AUX
cblr-2965	1138	11	significantly	significantly	ADV
cblr-2965	1138	12	reduced	reduce	VERB
cblr-2965	1138	13	,	,	PUNCT
cblr-2965	1138	14	reaching	reach	VERB
cblr-2965	1138	15	only	only	ADV
cblr-2965	1138	16	16	16	NUM
cblr-2965	1138	17	%	%	NOUN
cblr-2965	1138	18	of	of	ADP
cblr-2965	1138	19	the	the	DET
cblr-2965	1138	20	thirty	thirty	NUM
cblr-2965	1138	21	-	-	PUNCT
cblr-2965	1138	22	four	four	NUM
cblr-2965	1138	23	page	page	NOUN
cblr-2965	1138	24	review	review	NOUN
cblr-2965	1138	25	in	in	ADP
cblr-2965	1138	26	2003	2003	NUM
cblr-2965	1138	27	.	.	PUNCT
cblr-2965	1139	1	in	in	ADP
cblr-2965	1139	2	addition	addition	NOUN
cblr-2965	1139	3	,	,	PUNCT
cblr-2965	1139	4	performance	performance	NOUN
cblr-2965	1139	5	advertisements	advertisement	NOUN
cblr-2965	1139	6	plunged	plunge	VERB
cblr-2965	1139	7	from	from	ADP
cblr-2965	1139	8	being	be	AUX
cblr-2965	1139	9	61	61	NUM
cblr-2965	1139	10	%	%	NOUN
cblr-2965	1139	11	and	and	CCONJ
cblr-2965	1139	12	56	56	NUM
cblr-2965	1139	13	%	%	NOUN
cblr-2965	1139	14	of	of	ADP
cblr-2965	1139	15	all	all	DET
cblr-2965	1139	16	mutual	mutual	ADJ
cblr-2965	1139	17	advertisements	advertisement	NOUN
cblr-2965	1139	18	in	in	ADP
cblr-2965	1139	19	the	the	DET
cblr-2965	1139	20	reviews	review	NOUN
cblr-2965	1139	21	in	in	ADP
cblr-2965	1139	22	1999	1999	NUM
cblr-2965	1139	23	and	and	CCONJ
cblr-2965	1139	24	2000	2000	NUM
cblr-2965	1139	25	,	,	PUNCT
cblr-2965	1139	26	to	to	ADP
cblr-2965	1139	27	being	be	AUX
cblr-2965	1139	28	only	only	ADV
cblr-2965	1139	29	28	28	NUM
cblr-2965	1139	30	%	%	NOUN
cblr-2965	1139	31	and	and	CCONJ
cblr-2965	1139	32	26	26	NUM
cblr-2965	1139	33	%	%	NOUN
cblr-2965	1139	34	in	in	ADP
cblr-2965	1139	35	2001	2001	NUM
cblr-2965	1139	36	and	and	CCONJ
cblr-2965	1139	37	28	28	NUM
cblr-2965	1139	38	sendhil	sendhil	PROPN
cblr-2965	1139	39	mullainathan	mullainathan	PROPN
cblr-2965	1139	40	&	&	CCONJ
cblr-2965	1139	41	andrei	andrei	PROPN
cblr-2965	1139	42	shleifer	shleifer	PROPN
cblr-2965	1139	43	,	,	PUNCT
cblr-2965	1139	44	persuasion	persuasion	NOUN
cblr-2965	1139	45	in	in	ADP
cblr-2965	1139	46	finance	finance	NOUN
cblr-2965	1139	47	9	9	NUM
cblr-2965	1139	48	-	-	SYM
cblr-2965	1139	49	10	10	NUM
cblr-2965	1139	50	(	(	PUNCT
cblr-2965	1139	51	dec	dec	PROPN
cblr-2965	1139	52	.	.	PROPN
cblr-2965	1139	53	2005	2005	NUM
cblr-2965	1139	54	)	)	PUNCT
cblr-2965	1139	55	(	(	PUNCT
cblr-2965	1139	56	unpublished	unpublished	ADJ
cblr-2965	1139	57	manuscript	manuscript	NOUN
cblr-2965	1139	58	,	,	PUNCT
cblr-2965	1139	59	available	available	ADJ
cblr-2965	1139	60	at	at	ADP
cblr-2965	1139	61	http://papers	http://paper	NOUN
cblr-2965	1139	62	.	.	PUNCT
cblr-2965	1139	63	ssrn.com/sol3/papers.cfm?abstractid=870601	ssrn.com/sol3/papers.cfm?abstractid=870601	PROPN
cblr-2965	1139	64	)	)	PUNCT
cblr-2965	1139	65	.	.	PUNCT
cblr-2965	1140	1	27	27	NUM
cblr-2965	1141	1	i	i	PRON
cblr-2965	1141	2	d.	d.	VERB
cblr-2965	1141	3	at	at	ADP
cblr-2965	1141	4	fig	fig	NOUN
cblr-2965	1141	5	.	.	PUNCT
cblr-2965	1142	1	5	5	X
cblr-2965	1142	2	.	.	PUNCT
cblr-2965	1142	3	these	these	DET
cblr-2965	1142	4	averages	average	NOUN
cblr-2965	1142	5	were	be	AUX
cblr-2965	1142	6	calculated	calculate	VERB
cblr-2965	1142	7	by	by	ADP
cblr-2965	1142	8	counting	count	VERB
cblr-2965	1142	9	the	the	DET
cblr-2965	1142	10	percentage	percentage	NOUN
cblr-2965	1142	11	of	of	ADP
cblr-2965	1142	12	equity	equity	NOUN
cblr-2965	1142	13	fund	fund	NOUN
cblr-2965	1142	14	advertisements	advertisement	NOUN
cblr-2965	1142	15	each	each	DET
cblr-2965	1142	16	quarter	quarter	NOUN
cblr-2965	1142	17	that	that	PRON
cblr-2965	1142	18	mentioned	mention	VERB
cblr-2965	1142	19	the	the	DET
cblr-2965	1142	20	fund	fund	NOUN
cblr-2965	1142	21	's	's	PART
cblr-2965	1142	22	returns	return	NOUN
cblr-2965	1142	23	,	,	PUNCT
cblr-2965	1142	24	and	and	CCONJ
cblr-2965	1142	25	then	then	ADV
cblr-2965	1142	26	averaging	average	VERB
cblr-2965	1142	27	these	these	DET
cblr-2965	1142	28	quarterly	quarterly	ADJ
cblr-2965	1142	29	measures	measure	NOUN
cblr-2965	1142	30	.	.	PUNCT
cblr-2965	1143	1	288	288	NUM
cblr-2965	1143	2	in	in	ADP
cblr-2965	1143	3	particular	particular	ADJ
cblr-2965	1143	4	they	they	PRON
cblr-2965	1143	5	found	find	VERB
cblr-2965	1143	6	that	that	SCONJ
cblr-2965	1143	7	the	the	DET
cblr-2965	1143	8	correlation	correlation	NOUN
cblr-2965	1143	9	of	of	ADP
cblr-2965	1143	10	one	one	NUM
cblr-2965	1143	11	quarter	quarter	NOUN
cblr-2965	1143	12	lagged	lag	VERB
cblr-2965	1143	13	s&p	s&p	PROPN
cblr-2965	1143	14	500	500	NUM
cblr-2965	1143	15	returns	return	NOUN
cblr-2965	1143	16	with	with	ADP
cblr-2965	1143	17	the	the	DET
cblr-2965	1143	18	percentage	percentage	NOUN
cblr-2965	1143	19	of	of	ADP
cblr-2965	1143	20	equity	equity	NOUN
cblr-2965	1143	21	fund	fund	NOUN
cblr-2965	1143	22	advertisements	advertisement	NOUN
cblr-2965	1143	23	was	be	AUX
cblr-2965	1143	24	0.71	0.71	NUM
cblr-2965	1143	25	for	for	ADP
cblr-2965	1143	26	money	money	NOUN
cblr-2965	1143	27	and	and	CCONJ
cblr-2965	1143	28	0.74	0.74	NUM
cblr-2965	1143	29	for	for	ADP
cblr-2965	1143	30	businessweek	businessweek	NOUN
cblr-2965	1143	31	.	.	PUNCT
cblr-2965	1144	1	i	i	PRON
cblr-2965	1144	2	d.	d.	PROPN
cblr-2965	1144	3	see	see	VERB
cblr-2965	1144	4	also	also	ADV
cblr-2965	1144	5	henrik	henrik	PROPN
cblr-2965	1144	6	cronqvist	cronqvist	PROPN
cblr-2965	1144	7	,	,	PUNCT
cblr-2965	1144	8	advertising	advertising	NOUN
cblr-2965	1144	9	and	and	CCONJ
cblr-2965	1144	10	portfolio	portfolio	NOUN
cblr-2965	1144	11	choice	choice	NOUN
cblr-2965	1144	12	22	22	NUM
cblr-2965	1144	13	-	-	SYM
cblr-2965	1144	14	23	23	NUM
cblr-2965	1144	15	(	(	PUNCT
cblr-2965	1144	16	july	july	PROPN
cblr-2965	1144	17	2006	2006	NUM
cblr-2965	1144	18	)	)	PUNCT
cblr-2965	1144	19	(	(	PUNCT
cblr-2965	1144	20	unpublished	unpublished	ADJ
cblr-2965	1144	21	manuscript	manuscript	NOUN
cblr-2965	1144	22	,	,	PUNCT
cblr-2965	1144	23	available	available	ADJ
cblr-2965	1144	24	at	at	ADP
cblr-2965	1144	25	http://papers.ssrn	http://papers.ssrn	NOUN
cblr-2965	1144	26	.	.	PUNCT
cblr-2965	1144	27	comsol3	comsol3	NOUN
cblr-2965	1144	28	/	/	SYM
cblr-2965	1144	29	papers.cfm?abstractid=920693	papers.cfm?abstractid=920693	NOUN
cblr-2965	1144	30	)	)	PUNCT
cblr-2965	1144	31	(	(	PUNCT
cblr-2965	1144	32	finding	find	VERB
cblr-2965	1144	33	,	,	PUNCT
cblr-2965	1144	34	in	in	ADP
cblr-2965	1144	35	sweden	sweden	PROPN
cblr-2965	1144	36	,	,	PUNCT
cblr-2965	1144	37	that	that	SCONJ
cblr-2965	1144	38	performance	performance	NOUN
cblr-2965	1144	39	advertisements	advertisement	NOUN
cblr-2965	1144	40	are	be	AUX
cblr-2965	1144	41	approximately	approximately	ADV
cblr-2965	1144	42	twice	twice	ADV
cblr-2965	1144	43	as	as	ADV
cblr-2965	1144	44	effective	effective	ADJ
cblr-2965	1144	45	as	as	ADP
cblr-2965	1144	46	other	other	ADJ
cblr-2965	1144	47	advertisements	advertisement	NOUN
cblr-2965	1144	48	in	in	ADP
cblr-2965	1144	49	generating	generate	VERB
cblr-2965	1144	50	investment	investment	NOUN
cblr-2965	1144	51	into	into	ADP
cblr-2965	1144	52	the	the	DET
cblr-2965	1144	53	funds	fund	NOUN
cblr-2965	1144	54	,	,	PUNCT
cblr-2965	1144	55	and	and	CCONJ
cblr-2965	1144	56	finding	find	VERB
cblr-2965	1144	57	that	that	DET
cblr-2965	1144	58	performance	performance	NOUN
cblr-2965	1144	59	advertisements	advertisement	NOUN
cblr-2965	1144	60	for	for	ADP
cblr-2965	1144	61	funds	fund	NOUN
cblr-2965	1144	62	with	with	ADP
cblr-2965	1144	63	high	high	ADJ
cblr-2965	1144	64	past	past	ADJ
cblr-2965	1144	65	returns	return	NOUN
cblr-2965	1144	66	are	be	AUX
cblr-2965	1144	67	particularly	particularly	ADV
cblr-2965	1144	68	effective	effective	ADJ
cblr-2965	1144	69	)	)	PUNCT
cblr-2965	1144	70	.	.	PUNCT
cblr-2965	1145	1	289	289	NUM
cblr-2965	1145	2	david	david	PROPN
cblr-2965	1145	3	f.	f.	PROPN
cblr-2965	1145	4	swensen	swensen	PROPN
cblr-2965	1145	5	,	,	PUNCT
cblr-2965	1145	6	unconventional	unconventional	ADJ
cblr-2965	1145	7	success	success	NOUN
cblr-2965	1145	8	:	:	PUNCT
cblr-2965	1145	9	a	a	DET
cblr-2965	1145	10	fundamental	fundamental	ADJ
cblr-2965	1145	11	approach	approach	NOUN
cblr-2965	1145	12	to	to	ADP
cblr-2965	1145	13	personal	personal	ADJ
cblr-2965	1145	14	investment	investment	NOUN
cblr-2965	1145	15	167	167	NUM
cblr-2965	1145	16	-	-	SYM
cblr-2965	1145	17	69	69	NUM
cblr-2965	1145	18	&	&	CCONJ
cblr-2965	1145	19	tbl.5.4	tbl.5.4	PROPN
cblr-2965	1145	20	(	(	PUNCT
cblr-2965	1145	21	2005	2005	NUM
cblr-2965	1145	22	)	)	PUNCT
cblr-2965	1145	23	.	.	PUNCT
cblr-2965	1146	1	no	no	INTJ
cblr-2965	1146	2	.	.	PUNCT
cblr-2965	1147	1	3:934	3:934	X
cblr-2965	1147	2	]	]	X
cblr-2965	1147	3	mutual	mutual	ADJ
cblr-2965	1147	4	fund	fund	NOUN
cblr-2965	1147	5	investors	investors	PROPN
cblr-2965	1147	6	columbia	columbia	PROPN
cblr-2965	1147	7	business	business	PROPN
cblr-2965	1147	8	law	law	PROPN
cblr-2965	1147	9	review	review	VERB
cblr-2965	1147	10	2002.290	2002.290	NUM
cblr-2965	1147	11	thus	thus	ADV
cblr-2965	1147	12	,	,	PUNCT
cblr-2965	1147	13	total	total	ADJ
cblr-2965	1147	14	pages	page	NOUN
cblr-2965	1147	15	of	of	ADP
cblr-2965	1147	16	performance	performance	NOUN
cblr-2965	1147	17	advertisements	advertisement	NOUN
cblr-2965	1147	18	dropped	drop	VERB
cblr-2965	1147	19	by	by	ADP
cblr-2965	1147	20	approximately	approximately	ADV
cblr-2965	1147	21	83	83	NUM
cblr-2965	1147	22	%	%	NOUN
cblr-2965	1147	23	from	from	ADP
cblr-2965	1147	24	about	about	ADP
cblr-2965	1147	25	12.1	12.1	NUM
cblr-2965	1147	26	pages	page	NOUN
cblr-2965	1147	27	in	in	ADP
cblr-2965	1147	28	1999	1999	NUM
cblr-2965	1147	29	to	to	ADP
cblr-2965	1147	30	about	about	ADV
cblr-2965	1147	31	2.0	2.0	NUM
cblr-2965	1147	32	pages	page	NOUN
cblr-2965	1147	33	in	in	ADP
cblr-2965	1147	34	2003.291	2003.291	NUM
cblr-2965	1147	35	mutual	mutual	ADJ
cblr-2965	1147	36	fund	fund	NOUN
cblr-2965	1147	37	companies	company	NOUN
cblr-2965	1147	38	are	be	AUX
cblr-2965	1147	39	particularly	particularly	ADV
cblr-2965	1147	40	likely	likely	ADJ
cblr-2965	1147	41	to	to	PART
cblr-2965	1147	42	advertise	advertise	VERB
cblr-2965	1147	43	funds	fund	NOUN
cblr-2965	1147	44	that	that	PRON
cblr-2965	1147	45	have	have	AUX
cblr-2965	1147	46	performed	perform	VERB
cblr-2965	1147	47	well	well	ADV
cblr-2965	1147	48	.	.	PUNCT
cblr-2965	1148	1	jain	jain	PROPN
cblr-2965	1148	2	and	and	CCONJ
cblr-2965	1148	3	wu	wu	PROPN
cblr-2965	1148	4	found	find	VERB
cblr-2965	1148	5	that	that	SCONJ
cblr-2965	1148	6	advertised	advertise	VERB
cblr-2965	1148	7	funds	fund	NOUN
cblr-2965	1148	8	outperformed	outperform	VERB
cblr-2965	1148	9	non	non	ADJ
cblr-2965	1148	10	-	-	ADJ
cblr-2965	1148	11	advertised	advertised	ADJ
cblr-2965	1148	12	funds	fund	NOUN
cblr-2965	1148	13	with	with	ADP
cblr-2965	1148	14	the	the	DET
cblr-2965	1148	15	same	same	ADJ
cblr-2965	1148	16	investment	investment	NOUN
cblr-2965	1148	17	objective	objective	NOUN
cblr-2965	1148	18	by	by	ADP
cblr-2965	1148	19	an	an	DET
cblr-2965	1148	20	average	average	NOUN
cblr-2965	1148	21	of	of	ADP
cblr-2965	1148	22	approximately	approximately	ADV
cblr-2965	1148	23	6	6	NUM
cblr-2965	1148	24	%	%	NOUN
cblr-2965	1148	25	over	over	ADP
cblr-2965	1148	26	the	the	DET
cblr-2965	1148	27	twelve	twelve	NUM
cblr-2965	1148	28	months	month	NOUN
cblr-2965	1148	29	prior	prior	ADV
cblr-2965	1148	30	to	to	ADP
cblr-2965	1148	31	the	the	DET
cblr-2965	1148	32	advertisements	advertisement	NOUN
cblr-2965	1148	33	.	.	PUNCT
cblr-2965	1149	1	292	292	NUM
cblr-2965	1149	2	the	the	DET
cblr-2965	1149	3	advertised	advertise	VERB
cblr-2965	1149	4	funds	fund	NOUN
cblr-2965	1149	5	also	also	ADV
cblr-2965	1149	6	outperformed	outperform	VERB
cblr-2965	1149	7	other	other	ADJ
cblr-2965	1149	8	benchmarks	benchmark	NOUN
cblr-2965	1149	9	,	,	PUNCT
cblr-2965	1149	10	such	such	ADJ
cblr-2965	1149	11	as	as	ADP
cblr-2965	1149	12	the	the	DET
cblr-2965	1149	13	s&p	s&p	PROPN
cblr-2965	1149	14	500	500	NUM
cblr-2965	1149	15	index	index	NOUN
cblr-2965	1149	16	,	,	PUNCT
cblr-2965	1149	17	although	although	SCONJ
cblr-2965	1149	18	by	by	ADP
cblr-2965	1149	19	less.293	less.293	ADV
cblr-2965	1149	20	similarly	similarly	ADV
cblr-2965	1149	21	,	,	PUNCT
cblr-2965	1149	22	koehler	koehler	PROPN
cblr-2965	1149	23	and	and	CCONJ
cblr-2965	1149	24	mercer	mercer	PROPN
cblr-2965	1149	25	examined	examine	VERB
cblr-2965	1149	26	equity	equity	NOUN
cblr-2965	1149	27	mutual	mutual	ADJ
cblr-2965	1149	28	fund	fund	NOUN
cblr-2965	1149	29	performance	performance	NOUN
cblr-2965	1149	30	advertisements	advertisement	NOUN
cblr-2965	1149	31	that	that	PRON
cblr-2965	1149	32	appeared	appear	VERB
cblr-2965	1149	33	in	in	ADP
cblr-2965	1149	34	businessweek	businessweek	NOUN
cblr-2965	1149	35	and	and	CCONJ
cblr-2965	1149	36	fortune	fortune	NOUN
cblr-2965	1149	37	magazines	magazine	NOUN
cblr-2965	1149	38	over	over	ADP
cblr-2965	1149	39	a	a	DET
cblr-2965	1149	40	four	four	NUM
cblr-2965	1149	41	-	-	PUNCT
cblr-2965	1149	42	year	year	NOUN
cblr-2965	1149	43	period.294	period.294	NOUN
cblr-2965	1149	44	they	they	PRON
cblr-2965	1149	45	found	find	VERB
cblr-2965	1149	46	that	that	SCONJ
cblr-2965	1149	47	mutual	mutual	ADJ
cblr-2965	1149	48	fund	fund	NOUN
cblr-2965	1149	49	companies	company	NOUN
cblr-2965	1149	50	tend	tend	VERB
cblr-2965	1149	51	to	to	PART
cblr-2965	1149	52	advertise	advertise	VERB
cblr-2965	1149	53	their	their	PRON
cblr-2965	1149	54	funds	fund	NOUN
cblr-2965	1149	55	that	that	PRON
cblr-2965	1149	56	have	have	AUX
cblr-2965	1149	57	performed	perform	VERB
cblr-2965	1149	58	the	the	DET
cblr-2965	1149	59	best.295	best.295	NOUN
cblr-2965	1149	60	although	although	SCONJ
cblr-2965	1149	61	advertising	advertising	NOUN
cblr-2965	1149	62	benefits	benefit	NOUN
cblr-2965	1149	63	fund	fund	NOUN
cblr-2965	1149	64	companies	company	NOUN
cblr-2965	1149	65	,	,	PUNCT
cblr-2965	1149	66	there	there	PRON
cblr-2965	1149	67	is	be	VERB
cblr-2965	1149	68	little	little	ADJ
cblr-2965	1149	69	evidence	evidence	NOUN
cblr-2965	1149	70	that	that	SCONJ
cblr-2965	1149	71	advertising	advertising	NOUN
cblr-2965	1149	72	benefits	benefit	VERB
cblr-2965	1149	73	investors	investor	NOUN
cblr-2965	1149	74	as	as	ADV
cblr-2965	1149	75	well	well	ADV
cblr-2965	1149	76	.	.	PUNCT
cblr-2965	1150	1	indeed	indeed	ADV
cblr-2965	1150	2	,	,	PUNCT
cblr-2965	1150	3	jain	jain	PROPN
cblr-2965	1150	4	and	and	CCONJ
cblr-2965	1150	5	wu	wu	PROPN
cblr-2965	1150	6	found	find	VERB
cblr-2965	1150	7	that	that	SCONJ
cblr-2965	1150	8	funds	fund	NOUN
cblr-2965	1150	9	do	do	AUX
cblr-2965	1150	10	not	not	PART
cblr-2965	1150	11	continue	continue	VERB
cblr-2965	1150	12	to	to	ADP
cblr-2965	1150	13	290	290	NUM
cblr-2965	1150	14	i	i	PROPN
cblr-2965	1150	15	d.	d.	NOUN
cblr-2965	1150	16	at	at	ADP
cblr-2965	1150	17	168	168	NUM
cblr-2965	1150	18	tbl	tbl	NOUN
cblr-2965	1150	19	.	.	PUNCT
cblr-2965	1151	1	5.4	5.4	NUM
cblr-2965	1151	2	.	.	X
cblr-2965	1151	3	291	291	NUM
cblr-2965	1152	1	i	i	NOUN
cblr-2965	1152	2	d.	d.	PROPN
cblr-2965	1152	3	in	in	ADP
cblr-2965	1152	4	1998	1998	NUM
cblr-2965	1152	5	,	,	PUNCT
cblr-2965	1152	6	the	the	DET
cblr-2965	1152	7	review	review	NOUN
cblr-2965	1152	8	had	have	VERB
cblr-2965	1152	9	48	48	NUM
cblr-2965	1152	10	total	total	ADJ
cblr-2965	1152	11	pages	page	NOUN
cblr-2965	1152	12	,	,	PUNCT
cblr-2965	1152	13	44	44	NUM
cblr-2965	1152	14	%	%	NOUN
cblr-2965	1152	15	of	of	ADP
cblr-2965	1152	16	the	the	DET
cblr-2965	1152	17	space	space	NOUN
cblr-2965	1152	18	was	be	AUX
cblr-2965	1152	19	mutual	mutual	ADJ
cblr-2965	1152	20	fund	fund	NOUN
cblr-2965	1152	21	ads	ad	NOUN
cblr-2965	1152	22	,	,	PUNCT
cblr-2965	1152	23	and	and	CCONJ
cblr-2965	1152	24	44	44	NUM
cblr-2965	1152	25	%	%	NOUN
cblr-2965	1152	26	of	of	ADP
cblr-2965	1152	27	the	the	DET
cblr-2965	1152	28	ads	ad	NOUN
cblr-2965	1152	29	were	be	AUX
cblr-2965	1152	30	performance	performance	NOUN
cblr-2965	1152	31	ads	ad	NOUN
cblr-2965	1152	32	,	,	PUNCT
cblr-2965	1152	33	so	so	SCONJ
cblr-2965	1152	34	there	there	PRON
cblr-2965	1152	35	were	be	VERB
cblr-2965	1152	36	a	a	DET
cblr-2965	1152	37	total	total	NOUN
cblr-2965	1152	38	of	of	ADP
cblr-2965	1152	39	12.1	12.1	NUM
cblr-2965	1152	40	performance	performance	NOUN
cblr-2965	1152	41	ad	ad	NOUN
cblr-2965	1152	42	pages	page	NOUN
cblr-2965	1152	43	(	(	PUNCT
cblr-2965	1152	44	48	48	NUM
cblr-2965	1152	45	pages	page	NOUN
cblr-2965	1152	46	x	x	NOUN
cblr-2965	1152	47	.44	.44	NUM
cblr-2965	1152	48	x	x	SYM
cblr-2965	1152	49	.44	.44	NUM
cblr-2965	1152	50	=	=	SYM
cblr-2965	1152	51	12.1	12.1	NUM
cblr-2965	1152	52	)	)	PUNCT
cblr-2965	1152	53	.	.	PUNCT
cblr-2965	1153	1	in	in	ADP
cblr-2965	1153	2	2003	2003	NUM
cblr-2965	1153	3	,	,	PUNCT
cblr-2965	1153	4	the	the	DET
cblr-2965	1153	5	review	review	NOUN
cblr-2965	1153	6	had	have	VERB
cblr-2965	1153	7	34	34	NUM
cblr-2965	1153	8	total	total	ADJ
cblr-2965	1153	9	pages	page	NOUN
cblr-2965	1153	10	,	,	PUNCT
cblr-2965	1153	11	16	16	NUM
cblr-2965	1153	12	%	%	NOUN
cblr-2965	1153	13	of	of	ADP
cblr-2965	1153	14	the	the	DET
cblr-2965	1153	15	space	space	NOUN
cblr-2965	1153	16	was	be	AUX
cblr-2965	1153	17	mutual	mutual	ADJ
cblr-2965	1153	18	fund	fund	NOUN
cblr-2965	1153	19	ads	ad	NOUN
cblr-2965	1153	20	,	,	PUNCT
cblr-2965	1153	21	and	and	CCONJ
cblr-2965	1153	22	36	36	NUM
cblr-2965	1153	23	%	%	NOUN
cblr-2965	1153	24	of	of	ADP
cblr-2965	1153	25	the	the	DET
cblr-2965	1153	26	ads	ad	NOUN
cblr-2965	1153	27	were	be	AUX
cblr-2965	1153	28	performance	performance	NOUN
cblr-2965	1153	29	ads	ad	NOUN
cblr-2965	1153	30	,	,	PUNCT
cblr-2965	1153	31	so	so	SCONJ
cblr-2965	1153	32	there	there	PRON
cblr-2965	1153	33	were	be	VERB
cblr-2965	1153	34	a	a	DET
cblr-2965	1153	35	total	total	NOUN
cblr-2965	1153	36	of	of	ADP
cblr-2965	1153	37	2.0	2.0	NUM
cblr-2965	1153	38	performance	performance	NOUN
cblr-2965	1153	39	ad	ad	NOUN
cblr-2965	1153	40	pages	page	NOUN
cblr-2965	1153	41	(	(	PUNCT
cblr-2965	1153	42	34	34	NUM
cblr-2965	1153	43	pages	page	NOUN
cblr-2965	1153	44	x	x	SYM
cblr-2965	1153	45	.16	.16	NUM
cblr-2965	1153	46	x	x	SYM
cblr-2965	1153	47	.36	.36	NUM
cblr-2965	1153	48	=	=	SYM
cblr-2965	1153	49	2.0	2.0	NUM
cblr-2965	1153	50	)	)	PUNCT
cblr-2965	1153	51	.	.	PUNCT
cblr-2965	1154	1	292	292	NUM
cblr-2965	1154	2	jain	jain	PROPN
cblr-2965	1154	3	&	&	CCONJ
cblr-2965	1154	4	wu	wu	PROPN
cblr-2965	1154	5	,	,	PUNCT
cblr-2965	1154	6	supra	supra	PROPN
cblr-2965	1154	7	note	note	PROPN
cblr-2965	1154	8	282	282	NUM
cblr-2965	1154	9	,	,	PUNCT
cblr-2965	1154	10	at	at	ADP
cblr-2965	1154	11	943	943	NUM
cblr-2965	1154	12	.	.	PUNCT
cblr-2965	1155	1	see	see	VERB
cblr-2965	1155	2	also	also	ADV
cblr-2965	1155	3	cronqvist	cronqvist	ADJ
cblr-2965	1155	4	,	,	PUNCT
cblr-2965	1155	5	supra	supra	PROPN
cblr-2965	1155	6	note	note	NOUN
cblr-2965	1155	7	288	288	NUM
cblr-2965	1155	8	,	,	PUNCT
cblr-2965	1155	9	at	at	ADP
cblr-2965	1155	10	22	22	NUM
cblr-2965	1155	11	(	(	PUNCT
cblr-2965	1155	12	finding	find	VERB
cblr-2965	1155	13	that	that	SCONJ
cblr-2965	1155	14	swedish	swedish	ADJ
cblr-2965	1155	15	mutual	mutual	ADJ
cblr-2965	1155	16	funds	fund	NOUN
cblr-2965	1155	17	with	with	ADP
cblr-2965	1155	18	"	"	PUNCT
cblr-2965	1155	19	higher	high	ADJ
cblr-2965	1155	20	recent	recent	ADJ
cblr-2965	1155	21	performance	performance	NOUN
cblr-2965	1155	22	advertise	advertise	VERB
cblr-2965	1155	23	significantly	significantly	ADV
cblr-2965	1155	24	more	more	ADV
cblr-2965	1155	25	"	"	PUNCT
cblr-2965	1155	26	)	)	PUNCT
cblr-2965	1155	27	.	.	PUNCT
cblr-2965	1156	1	but	but	CCONJ
cblr-2965	1156	2	see	see	VERB
cblr-2965	1156	3	gallaher	gallaher	PROPN
cblr-2965	1156	4	et	et	PROPN
cblr-2965	1156	5	al	al	PROPN
cblr-2965	1156	6	.	.	PROPN
cblr-2965	1156	7	,	,	PUNCT
cblr-2965	1156	8	supra	supra	PROPN
cblr-2965	1156	9	note	note	PROPN
cblr-2965	1156	10	183	183	NUM
cblr-2965	1156	11	,	,	PUNCT
cblr-2965	1156	12	at	at	ADP
cblr-2965	1156	13	29	29	NUM
cblr-2965	1156	14	,	,	PUNCT
cblr-2965	1156	15	44	44	NUM
cblr-2965	1156	16	tbl.8	tbl.8	PROPN
cblr-2965	1156	17	(	(	PUNCT
cblr-2965	1156	18	finding	find	VERB
cblr-2965	1156	19	a	a	DET
cblr-2965	1156	20	relationship	relationship	NOUN
cblr-2965	1156	21	between	between	ADP
cblr-2965	1156	22	the	the	DET
cblr-2965	1156	23	past	past	ADJ
cblr-2965	1156	24	returns	return	NOUN
cblr-2965	1156	25	of	of	ADP
cblr-2965	1156	26	fund	fund	NOUN
cblr-2965	1156	27	families	family	NOUN
cblr-2965	1156	28	and	and	CCONJ
cblr-2965	1156	29	the	the	DET
cblr-2965	1156	30	amount	amount	NOUN
cblr-2965	1156	31	of	of	ADP
cblr-2965	1156	32	advertising	advertising	NOUN
cblr-2965	1156	33	only	only	ADV
cblr-2965	1156	34	for	for	ADP
cblr-2965	1156	35	small	small	ADJ
cblr-2965	1156	36	,	,	PUNCT
cblr-2965	1156	37	low	low	ADV
cblr-2965	1156	38	-	-	PUNCT
cblr-2965	1156	39	performing	perform	VERB
cblr-2965	1156	40	fund	fund	NOUN
cblr-2965	1156	41	families	family	NOUN
cblr-2965	1156	42	)	)	PUNCT
cblr-2965	1156	43	.	.	PUNCT
cblr-2965	1157	1	293	293	NUM
cblr-2965	1157	2	jain	jain	PROPN
cblr-2965	1157	3	&	&	CCONJ
cblr-2965	1157	4	wu	wu	PROPN
cblr-2965	1157	5	,	,	PUNCT
cblr-2965	1157	6	supra	supra	PROPN
cblr-2965	1157	7	note	note	PROPN
cblr-2965	1157	8	282	282	NUM
cblr-2965	1157	9	,	,	PUNCT
cblr-2965	1157	10	at	at	ADP
cblr-2965	1157	11	943	943	NUM
cblr-2965	1157	12	-	-	SYM
cblr-2965	1157	13	46	46	NUM
cblr-2965	1157	14	&	&	CCONJ
cblr-2965	1157	15	tbl.ii	tbl.ii	NOUN
cblr-2965	1157	16	.	.	PUNCT
cblr-2965	1158	1	294	294	NUM
cblr-2965	1158	2	jonathan	jonathan	PROPN
cblr-2965	1158	3	j.	j.	PROPN
cblr-2965	1158	4	koehler	koehler	PROPN
cblr-2965	1158	5	&	&	CCONJ
cblr-2965	1158	6	molly	molly	PROPN
cblr-2965	1158	7	mercer	mercer	PROPN
cblr-2965	1158	8	,	,	PUNCT
cblr-2965	1158	9	selection	selection	NOUN
cblr-2965	1158	10	neglect	neglect	NOUN
cblr-2965	1158	11	in	in	ADP
cblr-2965	1158	12	mutual	mutual	ADJ
cblr-2965	1158	13	fund	fund	NOUN
cblr-2965	1158	14	advertisements	advertisement	NOUN
cblr-2965	1158	15	(	(	PUNCT
cblr-2965	1158	16	may	may	PROPN
cblr-2965	1158	17	29	29	NUM
cblr-2965	1158	18	,	,	PUNCT
cblr-2965	1158	19	2008	2008	NUM
cblr-2965	1158	20	)	)	PUNCT
cblr-2965	1158	21	(	(	PUNCT
cblr-2965	1158	22	unpublished	unpublished	ADJ
cblr-2965	1158	23	manuscript	manuscript	NOUN
cblr-2965	1158	24	,	,	PUNCT
cblr-2965	1158	25	on	on	ADP
cblr-2965	1158	26	file	file	NOUN
cblr-2965	1158	27	with	with	ADP
cblr-2965	1158	28	the	the	DET
cblr-2965	1158	29	columbia	columbia	PROPN
cblr-2965	1158	30	business	business	PROPN
cblr-2965	1158	31	law	law	PROPN
cblr-2965	1158	32	review	review	PROPN
cblr-2965	1158	33	)	)	PUNCT
cblr-2965	1158	34	.	.	PUNCT
cblr-2965	1159	1	29	29	NUM
cblr-2965	1159	2	in	in	ADP
cblr-2965	1159	3	particular	particular	ADJ
cblr-2965	1159	4	,	,	PUNCT
cblr-2965	1159	5	the	the	DET
cblr-2965	1159	6	advertised	advertised	ADJ
cblr-2965	1159	7	funds	fund	NOUN
cblr-2965	1159	8	'	'	PART
cblr-2965	1159	9	median	median	ADJ
cblr-2965	1159	10	one	one	NUM
cblr-2965	1159	11	-	-	PUNCT
cblr-2965	1159	12	year	year	NOUN
cblr-2965	1159	13	,	,	PUNCT
cblr-2965	1159	14	five	five	NUM
cblr-2965	1159	15	-	-	PUNCT
cblr-2965	1159	16	year	year	NOUN
cblr-2965	1159	17	,	,	PUNCT
cblr-2965	1159	18	and	and	CCONJ
cblr-2965	1159	19	ten	ten	NUM
cblr-2965	1159	20	-	-	PUNCT
cblr-2965	1159	21	year	year	NOUN
cblr-2965	1159	22	performance	performance	NOUN
cblr-2965	1159	23	was	be	AUX
cblr-2965	1159	24	at	at	ADP
cblr-2965	1159	25	the	the	DET
cblr-2965	1159	26	80	80	NUM
cblr-2965	1159	27	'	'	NUM
cblr-2965	1159	28	,	,	PUNCT
cblr-2965	1159	29	100	100	NUM
cblr-2965	1159	30	t	t	NOUN
cblr-2965	1159	31	,	,	PUNCT
cblr-2965	1159	32	and	and	CCONJ
cblr-2965	1159	33	100th	100th	ADJ
cblr-2965	1159	34	percentile	percentile	NOUN
cblr-2965	1159	35	,	,	PUNCT
cblr-2965	1159	36	respectively	respectively	ADV
cblr-2965	1159	37	,	,	PUNCT
cblr-2965	1159	38	of	of	ADP
cblr-2965	1159	39	all	all	DET
cblr-2965	1159	40	company	company	NOUN
cblr-2965	1159	41	-	-	PUNCT
cblr-2965	1159	42	operated	operate	VERB
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cblr-2965	1159	44	funds	fund	NOUN
cblr-2965	1159	45	that	that	PRON
cblr-2965	1159	46	share	share	VERB
cblr-2965	1159	47	a	a	DET
cblr-2965	1159	48	common	common	ADJ
cblr-2965	1159	49	investment	investment	NOUN
cblr-2965	1159	50	objective	objective	NOUN
cblr-2965	1159	51	.	.	PUNCT
cblr-2965	1160	1	they	they	PRON
cblr-2965	1160	2	are	be	AUX
cblr-2965	1160	3	also	also	ADV
cblr-2965	1160	4	had	have	VERB
cblr-2965	1160	5	a	a	DET
cblr-2965	1160	6	median	median	ADJ
cblr-2965	1160	7	one	one	NUM
cblr-2965	1160	8	-	-	PUNCT
cblr-2965	1160	9	year	year	NOUN
cblr-2965	1160	10	,	,	PUNCT
cblr-2965	1160	11	five	five	NUM
cblr-2965	1160	12	-	-	PUNCT
cblr-2965	1160	13	year	year	NOUN
cblr-2965	1160	14	,	,	PUNCT
cblr-2965	1160	15	and	and	CCONJ
cblr-2965	1160	16	ten	ten	NUM
cblr-2965	1160	17	-	-	PUNCT
cblr-2965	1160	18	year	year	NOUN
cblr-2965	1160	19	performance	performance	NOUN
cblr-2965	1160	20	at	at	ADP
cblr-2965	1160	21	the	the	DET
cblr-2965	1160	22	79th	79th	ADJ
cblr-2965	1160	23	,	,	PUNCT
cblr-2965	1160	24	88th	88th	NOUN
cblr-2965	1160	25	,	,	PUNCT
cblr-2965	1160	26	and	and	CCONJ
cblr-2965	1160	27	88th	88th	ADJ
cblr-2965	1160	28	percentile	percentile	ADJ
cblr-2965	1160	29	,	,	PUNCT
cblr-2965	1160	30	respectively	respectively	ADV
cblr-2965	1160	31	,	,	PUNCT
cblr-2965	1160	32	of	of	ADP
cblr-2965	1160	33	all	all	DET
cblr-2965	1160	34	company	company	NOUN
cblr-2965	1160	35	-	-	PUNCT
cblr-2965	1160	36	operated	operate	VERB
cblr-2965	1160	37	equity	equity	NOUN
cblr-2965	1160	38	funds	fund	NOUN
cblr-2965	1160	39	,	,	PUNCT
cblr-2965	1160	40	irrespective	irrespective	ADV
cblr-2965	1160	41	of	of	ADP
cblr-2965	1160	42	the	the	DET
cblr-2965	1160	43	investment	investment	NOUN
cblr-2965	1160	44	objective	objective	NOUN
cblr-2965	1160	45	.	.	PUNCT
cblr-2965	1161	1	i	i	PRON
cblr-2965	1161	2	d.	d.	PROPN
cblr-2965	1161	3	at	at	ADP
cblr-2965	1161	4	9	9	NUM
cblr-2965	1161	5	.	.	PUNCT
cblr-2965	1162	1	[	[	X
cblr-2965	1162	2	vol	vol	NOUN
cblr-2965	1162	3	.	.	NOUN
cblr-2965	1162	4	2008	2008	NUM
cblr-2965	1162	5	perform	perform	VERB
cblr-2965	1162	6	well	well	ADV
cblr-2965	1162	7	after	after	ADP
cblr-2965	1162	8	being	be	AUX
cblr-2965	1162	9	advertised	advertise	VERB
cblr-2965	1162	10	,	,	PUNCT
cblr-2965	1162	11	and	and	CCONJ
cblr-2965	1162	12	actually	actually	ADV
cblr-2965	1162	13	tend	tend	VERB
cblr-2965	1162	14	to	to	PART
cblr-2965	1162	15	underperform	underperform	VERB
cblr-2965	1162	16	the	the	DET
cblr-2965	1162	17	same	same	ADJ
cblr-2965	1162	18	benchmarks	benchmark	NOUN
cblr-2965	1162	19	that	that	PRON
cblr-2965	1162	20	they	they	PRON
cblr-2965	1162	21	beat	beat	VERB
cblr-2965	1162	22	prior	prior	ADV
cblr-2965	1162	23	to	to	ADP
cblr-2965	1162	24	being	be	AUX
cblr-2965	1162	25	advertised.296	advertised.296	NOUN
cblr-2965	1162	26	advertising	advertising	NOUN
cblr-2965	1162	27	may	may	AUX
cblr-2965	1162	28	also	also	ADV
cblr-2965	1162	29	have	have	VERB
cblr-2965	1162	30	a	a	DET
cblr-2965	1162	31	disturbing	disturbing	ADJ
cblr-2965	1162	32	effect	effect	NOUN
cblr-2965	1162	33	on	on	ADP
cblr-2965	1162	34	other	other	ADJ
cblr-2965	1162	35	sources	source	NOUN
cblr-2965	1162	36	of	of	ADP
cblr-2965	1162	37	mutual	mutual	ADJ
cblr-2965	1162	38	fund	fund	NOUN
cblr-2965	1162	39	information	information	NOUN
cblr-2965	1162	40	.	.	PUNCT
cblr-2965	1163	1	mutual	mutual	ADJ
cblr-2965	1163	2	fund	fund	NOUN
cblr-2965	1163	3	families	family	NOUN
cblr-2965	1163	4	often	often	ADV
cblr-2965	1163	5	advertise	advertise	VERB
cblr-2965	1163	6	in	in	ADP
cblr-2965	1163	7	personal	personal	ADJ
cblr-2965	1163	8	finance	finance	NOUN
cblr-2965	1163	9	magazines	magazine	NOUN
cblr-2965	1163	10	,	,	PUNCT
cblr-2965	1163	11	and	and	CCONJ
cblr-2965	1163	12	there	there	PRON
cblr-2965	1163	13	is	be	VERB
cblr-2965	1163	14	evidence	evidence	NOUN
cblr-2965	1163	15	that	that	SCONJ
cblr-2965	1163	16	these	these	DET
cblr-2965	1163	17	advertising	advertising	NOUN
cblr-2965	1163	18	expenditures	expenditure	NOUN
cblr-2965	1163	19	bias	bias	VERB
cblr-2965	1163	20	the	the	DET
cblr-2965	1163	21	mutual	mutual	ADJ
cblr-2965	1163	22	fund	fund	NOUN
cblr-2965	1163	23	recommendations	recommendation	NOUN
cblr-2965	1163	24	of	of	ADP
cblr-2965	1163	25	these	these	DET
cblr-2965	1163	26	magazines	magazine	NOUN
cblr-2965	1163	27	.	.	PUNCT
cblr-2965	1164	1	in	in	ADP
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cblr-2965	1164	3	,	,	PUNCT
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cblr-2965	1164	5	and	and	CCONJ
cblr-2965	1164	6	zitzewitz	zitzewitz	PROPN
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cblr-2965	1164	8	that	that	SCONJ
cblr-2965	1164	9	a	a	DET
cblr-2965	1164	10	fund	fund	NOUN
cblr-2965	1164	11	family	family	NOUN
cblr-2965	1164	12	's	's	PART
cblr-2965	1164	13	advertising	advertising	NOUN
cblr-2965	1164	14	expenditures	expenditure	NOUN
cblr-2965	1164	15	increased	increase	VERB
cblr-2965	1164	16	the	the	DET
cblr-2965	1164	17	probability	probability	NOUN
cblr-2965	1164	18	that	that	SCONJ
cblr-2965	1164	19	the	the	DET
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cblr-2965	1164	21	's	's	PART
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cblr-2965	1164	25	in	in	ADP
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cblr-2965	1164	30	personal	personal	ADJ
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cblr-2965	1164	32	magazines	magazine	NOUN
cblr-2965	1164	33	:	:	PUNCT
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cblr-2965	1164	39	finance	finance	NOUN
cblr-2965	1164	40	and	and	CCONJ
cblr-2965	1164	41	smartmoney.297	smartmoney.297	PROPN
cblr-2965	1164	42	thus	thus	ADV
cblr-2965	1164	43	,	,	PUNCT
cblr-2965	1164	44	advertising	advertising	NOUN
cblr-2965	1164	45	can	can	AUX
cblr-2965	1164	46	bias	bias	VERB
cblr-2965	1164	47	what	what	PRON
cblr-2965	1164	48	investors	investor	NOUN
cblr-2965	1164	49	may	may	AUX
cblr-2965	1164	50	perceive	perceive	VERB
cblr-2965	1164	51	as	as	ADP
cblr-2965	1164	52	unbiased	unbiased	ADJ
cblr-2965	1164	53	advice	advice	NOUN
cblr-2965	1164	54	.	.	PUNCT
cblr-2965	1165	1	interestingly	interestingly	ADV
cblr-2965	1165	2	,	,	PUNCT
cblr-2965	1165	3	however	however	ADV
cblr-2965	1165	4	,	,	PUNCT
cblr-2965	1165	5	this	this	DET
cblr-2965	1165	6	bias	bias	NOUN
cblr-2965	1165	7	likely	likely	ADV
cblr-2965	1165	8	causes	cause	VERB
cblr-2965	1165	9	little	little	ADJ
cblr-2965	1165	10	,	,	PUNCT
cblr-2965	1165	11	if	if	SCONJ
cblr-2965	1165	12	any	any	PRON
cblr-2965	1165	13	,	,	PUNCT
cblr-2965	1165	14	harm	harm	NOUN
cblr-2965	1165	15	to	to	ADP
cblr-2965	1165	16	investors	investor	NOUN
cblr-2965	1165	17	because	because	SCONJ
cblr-2965	1165	18	the	the	DET
cblr-2965	1165	19	future	future	ADJ
cblr-2965	1165	20	returns	return	NOUN
cblr-2965	1165	21	of	of	ADP
cblr-2965	1165	22	these	these	DET
cblr-2965	1165	23	biased	bias	VERB
cblr-2965	1165	24	fund	fund	NOUN
cblr-2965	1165	25	recommendations	recommendation	NOUN
cblr-2965	1165	26	are	be	AUX
cblr-2965	1165	27	similar	similar	ADJ
cblr-2965	1165	28	to	to	ADP
cblr-2965	1165	29	the	the	DET
cblr-2965	1165	30	returns	return	NOUN
cblr-2965	1165	31	of	of	ADP
cblr-2965	1165	32	those	those	DET
cblr-2965	1165	33	funds	fund	NOUN
cblr-2965	1165	34	that	that	PRON
cblr-2965	1165	35	would	would	AUX
cblr-2965	1165	36	have	have	AUX
cblr-2965	1165	37	been	be	AUX
cblr-2965	1165	38	recommended	recommend	VERB
cblr-2965	1165	39	in	in	ADP
cblr-2965	1165	40	the	the	DET
cblr-2965	1165	41	absence	absence	NOUN
cblr-2965	1165	42	of	of	ADP
cblr-2965	1165	43	bias.298	bias.298	NOUN
cblr-2965	1165	44	even	even	ADV
cblr-2965	1165	45	unbiased	unbiased	ADJ
cblr-2965	1165	46	fund	fund	NOUN
cblr-2965	1165	47	recommendations	recommendation	NOUN
cblr-2965	1165	48	overweight	overweight	ADJ
cblr-2965	1165	49	factors	factor	NOUN
cblr-2965	1165	50	(	(	PUNCT
cblr-2965	1165	51	such	such	ADJ
cblr-2965	1165	52	as	as	ADP
cblr-2965	1165	53	a	a	DET
cblr-2965	1165	54	fund	fund	NOUN
cblr-2965	1165	55	's	's	PART
cblr-2965	1165	56	past	past	ADJ
cblr-2965	1165	57	return	return	NOUN
cblr-2965	1165	58	)	)	PUNCT
cblr-2965	1165	59	that	that	PRON
cblr-2965	1165	60	have	have	VERB
cblr-2965	1165	61	little	little	ADJ
cblr-2965	1165	62	predictive	predictive	ADJ
cblr-2965	1165	63	power	power	NOUN
cblr-2965	1165	64	regarding	regard	VERB
cblr-2965	1165	65	future	future	ADJ
cblr-2965	1165	66	returns	return	NOUN
cblr-2965	1165	67	,	,	PUNCT
cblr-2965	1165	68	and	and	CCONJ
cblr-2965	1165	69	underweight	underweight	NOUN
cblr-2965	1165	70	factors	factor	NOUN
cblr-2965	1165	71	that	that	PRON
cblr-2965	1165	72	have	have	VERB
cblr-2965	1165	73	significant	significant	ADJ
cblr-2965	1165	74	predictive	predictive	ADJ
cblr-2965	1165	75	power	power	NOUN
cblr-2965	1165	76	(	(	PUNCT
cblr-2965	1165	77	such	such	ADJ
cblr-2965	1165	78	as	as	ADP
cblr-2965	1165	79	a	a	DET
cblr-2965	1165	80	fund	fund	NOUN
cblr-2965	1165	81	's	's	PART
cblr-2965	1165	82	expense	expense	NOUN
cblr-2965	1165	83	ratio).299	ratio).299	NOUN
cblr-2965	1165	84	as	as	ADP
cblr-2965	1165	85	a	a	DET
cblr-2965	1165	86	result	result	NOUN
cblr-2965	1165	87	,	,	PUNCT
cblr-2965	1165	88	even	even	ADV
cblr-2965	1165	89	unbiased	unbiased	ADJ
cblr-2965	1165	90	mutual	mutual	ADJ
cblr-2965	1165	91	fund	fund	NOUN
cblr-2965	1165	92	recommendations	recommendation	NOUN
cblr-2965	1165	93	in	in	ADP
cblr-2965	1165	94	personal	personal	ADJ
cblr-2965	1165	95	finance	finance	NOUN
cblr-2965	1165	96	magazines	magazine	NOUN
cblr-2965	1165	97	fail	fail	VERB
cblr-2965	1165	98	to	to	PART
cblr-2965	1165	99	give	give	VERB
cblr-2965	1165	100	investors	investor	NOUN
cblr-2965	1165	101	better	well	ADJ
cblr-2965	1165	102	returns	return	NOUN
cblr-2965	1165	103	.	.	PUNCT
cblr-2965	1166	1	3	3	X
cblr-2965	1166	2	.	.	X
cblr-2965	1166	3	summary	summary	NOUN
cblr-2965	1166	4	and	and	CCONJ
cblr-2965	1166	5	analysis	analysis	NOUN
cblr-2965	1166	6	advertising	advertising	NOUN
cblr-2965	1166	7	works	work	NOUN
cblr-2965	1166	8	:	:	PUNCT
cblr-2965	1166	9	investors	investor	NOUN
cblr-2965	1166	10	buy	buy	VERB
cblr-2965	1166	11	funds	fund	NOUN
cblr-2965	1166	12	that	that	PRON
cblr-2965	1166	13	are	be	AUX
cblr-2965	1166	14	advertised	advertise	VERB
cblr-2965	1166	15	,	,	PUNCT
cblr-2965	1166	16	especially	especially	ADV
cblr-2965	1166	17	heavily	heavily	ADV
cblr-2965	1166	18	advertised	advertise	VERB
cblr-2965	1166	19	funds	fund	NOUN
cblr-2965	1166	20	.	.	PUNCT
cblr-2965	1167	1	but	but	CCONJ
cblr-2965	1167	2	advertising	advertising	NOUN
cblr-2965	1167	3	does	do	AUX
cblr-2965	1167	4	not	not	PART
cblr-2965	1167	5	benefit	benefit	VERB
cblr-2965	1167	6	investors	investor	NOUN
cblr-2965	1167	7	;	;	PUNCT
cblr-2965	1167	8	advertised	advertise	VERB
cblr-2965	1167	9	funds	fund	NOUN
cblr-2965	1167	10	do	do	AUX
cblr-2965	1167	11	not	not	PART
cblr-2965	1167	12	outperform	outperform	VERB
cblr-2965	1167	13	unadvertised	unadvertised	ADJ
cblr-2965	1167	14	funds	fund	NOUN
cblr-2965	1167	15	going	go	VERB
cblr-2965	1167	16	forward	forward	ADV
cblr-2965	1167	17	.	.	PUNCT
cblr-2965	1168	1	advertising	advertise	VERB
cblr-2965	1168	2	likely	likely	ADJ
cblr-2965	1168	3	works	work	VERB
cblr-2965	1168	4	,	,	PUNCT
cblr-2965	1168	5	at	at	ADP
cblr-2965	1168	6	least	least	ADJ
cblr-2965	1168	7	in	in	ADP
cblr-2965	1168	8	part	part	NOUN
cblr-2965	1168	9	,	,	PUNCT
cblr-2965	1168	10	because	because	SCONJ
cblr-2965	1168	11	it	it	PRON
cblr-2965	1168	12	exploits	exploit	VERB
cblr-2965	1168	13	and	and	CCONJ
cblr-2965	1168	14	encourages	encourage	VERB
cblr-2965	1168	15	a	a	DET
cblr-2965	1168	16	flaw	flaw	NOUN
cblr-2965	1168	17	in	in	ADP
cblr-2965	1168	18	investors	investor	NOUN
cblr-2965	1168	19	'	'	PART
cblr-2965	1168	20	decisionmaking	decisionmaking	NOUN
cblr-2965	1168	21	-	-	PUNCT
cblr-2965	1168	22	the	the	DET
cblr-2965	1168	23	296	296	NUM
cblr-2965	1168	24	jain	jain	PROPN
cblr-2965	1168	25	&	&	CCONJ
cblr-2965	1168	26	wu	wu	PROPN
cblr-2965	1168	27	,	,	PUNCT
cblr-2965	1168	28	supra	supra	PROPN
cblr-2965	1168	29	note	note	VERB
cblr-2965	1168	30	282	282	NUM
cblr-2965	1168	31	at	at	ADP
cblr-2965	1168	32	956	956	NUM
cblr-2965	1168	33	.	.	NOUN
cblr-2965	1168	34	297	297	NUM
cblr-2965	1168	35	jonathan	jonathan	PROPN
cblr-2965	1168	36	reuter	reuter	PROPN
cblr-2965	1168	37	&	&	CCONJ
cblr-2965	1168	38	eric	eric	PROPN
cblr-2965	1168	39	zitzewitz	zitzewitz	PROPN
cblr-2965	1168	40	,	,	PUNCT
cblr-2965	1168	41	do	do	VERB
cblr-2965	1168	42	ads	ad	NOUN
cblr-2965	1168	43	influence	influence	NOUN
cblr-2965	1168	44	editors	editor	NOUN
cblr-2965	1168	45	?	?	PUNCT
cblr-2965	1169	1	advertising	advertising	NOUN
cblr-2965	1169	2	and	and	CCONJ
cblr-2965	1169	3	bias	bias	NOUN
cblr-2965	1169	4	in	in	ADP
cblr-2965	1169	5	the	the	DET
cblr-2965	1169	6	financial	financial	ADJ
cblr-2965	1169	7	media	medium	NOUN
cblr-2965	1169	8	,	,	PUNCT
cblr-2965	1169	9	121	121	NUM
cblr-2965	1169	10	q.	q.	PROPN
cblr-2965	1169	11	j.	j.	PROPN
cblr-2965	1169	12	econ	econ	PROPN
cblr-2965	1169	13	.	.	PROPN
cblr-2965	1169	14	197	197	NUM
cblr-2965	1169	15	,	,	PUNCT
cblr-2965	1169	16	198	198	NUM
cblr-2965	1169	17	(	(	PUNCT
cblr-2965	1169	18	2006	2006	NUM
cblr-2965	1169	19	)	)	PUNCT
cblr-2965	1169	20	.	.	PUNCT
cblr-2965	1170	1	298	298	NUM
cblr-2965	1171	1	i	i	PRON
cblr-2965	1171	2	d.	d.	PROPN
cblr-2965	1171	3	at	at	ADP
cblr-2965	1171	4	199	199	NUM
cblr-2965	1171	5	.	.	PUNCT
cblr-2965	1171	6	29	29	NUM
cblr-2965	1172	1	i	i	PRON
cblr-2965	1172	2	d.	d.	NOUN
cblr-2965	1172	3	at	at	ADP
cblr-2965	1172	4	221	221	NUM
cblr-2965	1172	5	-	-	SYM
cblr-2965	1172	6	22	22	NUM
cblr-2965	1172	7	.	.	PUNCT
cblr-2965	1173	1	no	no	INTJ
cblr-2965	1173	2	.	.	PUNCT
cblr-2965	1174	1	3:934	3:934	X
cblr-2965	1174	2	]	]	X
cblr-2965	1174	3	mutual	mutual	ADJ
cblr-2965	1174	4	fund	fund	NOUN
cblr-2965	1174	5	investors	investor	NOUN
cblr-2965	1174	6	belief	belief	NOUN
cblr-2965	1174	7	that	that	SCONJ
cblr-2965	1174	8	high	high	ADJ
cblr-2965	1174	9	past	past	ADJ
cblr-2965	1174	10	returns	return	NOUN
cblr-2965	1174	11	predict	predict	VERB
cblr-2965	1174	12	future	future	ADJ
cblr-2965	1174	13	returns	return	NOUN
cblr-2965	1174	14	.	.	PUNCT
cblr-2965	1175	1	advertisements	advertisement	NOUN
cblr-2965	1175	2	exacerbate	exacerbate	VERB
cblr-2965	1175	3	the	the	DET
cblr-2965	1175	4	seemingly	seemingly	ADV
cblr-2965	1175	5	irresistible	irresistible	ADJ
cblr-2965	1175	6	tendency	tendency	NOUN
cblr-2965	1175	7	of	of	ADP
cblr-2965	1175	8	investors	investor	NOUN
cblr-2965	1175	9	to	to	PART
cblr-2965	1175	10	chase	chase	VERB
cblr-2965	1175	11	past	past	ADJ
cblr-2965	1175	12	returns	return	NOUN
cblr-2965	1175	13	.	.	PUNCT
cblr-2965	1176	1	no	no	DET
cblr-2965	1176	2	doubt	doubt	ADV
cblr-2965	1176	3	because	because	SCONJ
cblr-2965	1176	4	of	of	ADP
cblr-2965	1176	5	this	this	DET
cblr-2965	1176	6	tendency	tendency	NOUN
cblr-2965	1176	7	,	,	PUNCT
cblr-2965	1176	8	mutual	mutual	ADJ
cblr-2965	1176	9	fund	fund	NOUN
cblr-2965	1176	10	companies	company	NOUN
cblr-2965	1176	11	especially	especially	ADV
cblr-2965	1176	12	advertise	advertise	VERB
cblr-2965	1176	13	funds	fund	NOUN
cblr-2965	1176	14	that	that	PRON
cblr-2965	1176	15	have	have	AUX
cblr-2965	1176	16	performed	perform	VERB
cblr-2965	1176	17	well	well	ADV
cblr-2965	1176	18	in	in	ADP
cblr-2965	1176	19	the	the	DET
cblr-2965	1176	20	past	past	NOUN
cblr-2965	1176	21	.	.	PUNCT
cblr-2965	1177	1	vi	vi	X
cblr-2965	1177	2	.	.	NOUN
cblr-2965	1178	1	fixing	fix	VERB
cblr-2965	1178	2	a	a	DET
cblr-2965	1178	3	dysfunctional	dysfunctional	ADJ
cblr-2965	1178	4	market	market	NOUN
cblr-2965	1178	5	the	the	DET
cblr-2965	1178	6	academic	academic	ADJ
cblr-2965	1178	7	literature	literature	NOUN
cblr-2965	1178	8	paints	paint	VERB
cblr-2965	1178	9	a	a	DET
cblr-2965	1178	10	disturbing	disturbing	ADJ
cblr-2965	1178	11	picture	picture	NOUN
cblr-2965	1178	12	of	of	ADP
cblr-2965	1178	13	how	how	SCONJ
cblr-2965	1178	14	mutual	mutual	ADJ
cblr-2965	1178	15	fund	fund	NOUN
cblr-2965	1178	16	investors	investor	NOUN
cblr-2965	1178	17	actually	actually	ADV
cblr-2965	1178	18	behave	behave	VERB
cblr-2965	1178	19	.	.	PUNCT
cblr-2965	1179	1	they	they	PRON
cblr-2965	1179	2	erroneously	erroneously	ADV
cblr-2965	1179	3	focus	focus	VERB
cblr-2965	1179	4	on	on	ADP
cblr-2965	1179	5	funds	fund	NOUN
cblr-2965	1179	6	'	'	PART
cblr-2965	1179	7	past	past	ADJ
cblr-2965	1179	8	returns	return	NOUN
cblr-2965	1179	9	,	,	PUNCT
cblr-2965	1179	10	while	while	SCONJ
cblr-2965	1179	11	paying	pay	VERB
cblr-2965	1179	12	little	little	ADJ
cblr-2965	1179	13	attention	attention	NOUN
cblr-2965	1179	14	to	to	ADP
cblr-2965	1179	15	funds	fund	NOUN
cblr-2965	1179	16	'	'	PART
cblr-2965	1179	17	risks	risk	NOUN
cblr-2965	1179	18	and	and	CCONJ
cblr-2965	1179	19	ongoing	ongoing	ADJ
cblr-2965	1179	20	costs	cost	NOUN
cblr-2965	1179	21	.	.	PUNCT
cblr-2965	1180	1	what	what	PRON
cblr-2965	1180	2	should	should	AUX
cblr-2965	1180	3	be	be	AUX
cblr-2965	1180	4	done	do	VERB
cblr-2965	1180	5	in	in	ADP
cblr-2965	1180	6	response	response	NOUN
cblr-2965	1180	7	to	to	ADP
cblr-2965	1180	8	this	this	DET
cblr-2965	1180	9	behavior	behavior	NOUN
cblr-2965	1180	10	?	?	PUNCT
cblr-2965	1181	1	the	the	DET
cblr-2965	1181	2	disclosure	disclosure	NOUN
cblr-2965	1181	3	currently	currently	ADV
cblr-2965	1181	4	mandated	mandate	VERB
cblr-2965	1181	5	by	by	ADP
cblr-2965	1181	6	the	the	DET
cblr-2965	1181	7	sec	sec	PROPN
cblr-2965	1181	8	,	,	PUNCT
cblr-2965	1181	9	the	the	DET
cblr-2965	1181	10	required	require	VERB
cblr-2965	1181	11	warnings	warning	NOUN
cblr-2965	1181	12	in	in	ADP
cblr-2965	1181	13	mutual	mutual	ADJ
cblr-2965	1181	14	fund	fund	NOUN
cblr-2965	1181	15	advertisements	advertisement	NOUN
cblr-2965	1181	16	,	,	PUNCT
cblr-2965	1181	17	and	and	CCONJ
cblr-2965	1181	18	the	the	DET
cblr-2965	1181	19	advice	advice	NOUN
cblr-2965	1181	20	of	of	ADP
cblr-2965	1181	21	financial	financial	ADJ
cblr-2965	1181	22	advisers	adviser	NOUN
cblr-2965	1181	23	are	be	AUX
cblr-2965	1181	24	not	not	PART
cblr-2965	1181	25	sufficiently	sufficiently	ADV
cblr-2965	1181	26	helping	help	VERB
cblr-2965	1181	27	investors	investor	NOUN
cblr-2965	1181	28	overcome	overcome	VERB
cblr-2965	1181	29	their	their	PRON
cblr-2965	1181	30	limitations	limitation	NOUN
cblr-2965	1181	31	.	.	PUNCT
cblr-2965	1182	1	this	this	DET
cblr-2965	1182	2	part	part	NOUN
cblr-2965	1182	3	considers	consider	VERB
cblr-2965	1182	4	whether	whether	SCONJ
cblr-2965	1182	5	there	there	PRON
cblr-2965	1182	6	are	be	VERB
cblr-2965	1182	7	additional	additional	ADJ
cblr-2965	1182	8	steps	step	NOUN
cblr-2965	1182	9	the	the	DET
cblr-2965	1182	10	sec	sec	PROPN
cblr-2965	1182	11	should	should	AUX
cblr-2965	1182	12	take	take	VERB
cblr-2965	1182	13	to	to	PART
cblr-2965	1182	14	help	help	VERB
cblr-2965	1182	15	the	the	DET
cblr-2965	1182	16	mutual	mutual	ADJ
cblr-2965	1182	17	fund	fund	NOUN
cblr-2965	1182	18	market	market	NOUN
cblr-2965	1182	19	function	function	NOUN
cblr-2965	1182	20	well	well	ADV
cblr-2965	1182	21	.	.	PUNCT
cblr-2965	1183	1	a.	a.	NOUN
cblr-2965	1183	2	facilitating	facilitate	VERB
cblr-2965	1183	3	investor	investor	NOUN
cblr-2965	1183	4	access	access	NOUN
cblr-2965	1183	5	to	to	ADP
cblr-2965	1183	6	important	important	ADJ
cblr-2965	1183	7	fund	fund	NOUN
cblr-2965	1183	8	information	information	NOUN
cblr-2965	1183	9	the	the	DET
cblr-2965	1183	10	sec	sec	PROPN
cblr-2965	1183	11	ensures	ensure	VERB
cblr-2965	1183	12	that	that	SCONJ
cblr-2965	1183	13	important	important	ADJ
cblr-2965	1183	14	information	information	NOUN
cblr-2965	1183	15	about	about	ADP
cblr-2965	1183	16	funds	fund	NOUN
cblr-2965	1183	17	is	be	AUX
cblr-2965	1183	18	available	available	ADJ
cblr-2965	1183	19	to	to	ADP
cblr-2965	1183	20	investors	investor	NOUN
cblr-2965	1183	21	,	,	PUNCT
cblr-2965	1183	22	and	and	CCONJ
cblr-2965	1183	23	encourages	encourage	VERB
cblr-2965	1183	24	them	they	PRON
cblr-2965	1183	25	to	to	PART
cblr-2965	1183	26	access	access	VERB
cblr-2965	1183	27	the	the	DET
cblr-2965	1183	28	information	information	NOUN
cblr-2965	1183	29	.	.	PUNCT
cblr-2965	1184	1	it	it	PRON
cblr-2965	1184	2	requires	require	VERB
cblr-2965	1184	3	mutual	mutual	ADJ
cblr-2965	1184	4	fund	fund	NOUN
cblr-2965	1184	5	advertisements	advertisement	NOUN
cblr-2965	1184	6	to	to	PART
cblr-2965	1184	7	advise	advise	VERB
cblr-2965	1184	8	investors	investor	NOUN
cblr-2965	1184	9	"	"	PUNCT
cblr-2965	1184	10	to	to	PART
cblr-2965	1184	11	consider	consider	VERB
cblr-2965	1184	12	the	the	DET
cblr-2965	1184	13	investment	investment	NOUN
cblr-2965	1184	14	objectives	objective	NOUN
cblr-2965	1184	15	,	,	PUNCT
cblr-2965	1184	16	risks	risk	NOUN
cblr-2965	1184	17	,	,	PUNCT
cblr-2965	1184	18	and	and	CCONJ
cblr-2965	1184	19	charges	charge	NOUN
cblr-2965	1184	20	and	and	CCONJ
cblr-2965	1184	21	expenses	expense	NOUN
cblr-2965	1184	22	of	of	ADP
cblr-2965	1184	23	the	the	DET
cblr-2965	1184	24	investment	investment	NOUN
cblr-2965	1184	25	company	company	NOUN
cblr-2965	1184	26	carefully	carefully	ADV
cblr-2965	1184	27	before	before	ADP
cblr-2965	1184	28	investing	invest	VERB
cblr-2965	1184	29	.	.	PUNCT
cblr-2965	1185	1	"30	"30	PRON
cblr-2965	1185	2	'	'	PUNCT
cblr-2965	1185	3	this	this	PRON
cblr-2965	1185	4	and	and	CCONJ
cblr-2965	1185	5	other	other	ADJ
cblr-2965	1185	6	information	information	NOUN
cblr-2965	1185	7	is	be	AUX
cblr-2965	1185	8	in	in	ADP
cblr-2965	1185	9	the	the	DET
cblr-2965	1185	10	fund	fund	NOUN
cblr-2965	1185	11	prospectus	prospectus	NOUN
cblr-2965	1185	12	,	,	PUNCT
cblr-2965	1185	13	which	which	PRON
cblr-2965	1185	14	the	the	DET
cblr-2965	1185	15	sec	sec	PROPN
cblr-2965	1185	16	urges	urge	VERB
cblr-2965	1185	17	investors	investor	NOUN
cblr-2965	1185	18	to	to	PART
cblr-2965	1185	19	read	read	VERB
cblr-2965	1185	20	before	before	ADV
cblr-2965	1185	21	investing.0	investing.0	PROPN
cblr-2965	1185	22	1	1	NUM
cblr-2965	1185	23	in	in	ADP
cblr-2965	1185	24	addition	addition	NOUN
cblr-2965	1185	25	,	,	PUNCT
cblr-2965	1185	26	the	the	DET
cblr-2965	1185	27	sec	sec	PROPN
cblr-2965	1185	28	requires	require	VERB
cblr-2965	1185	29	that	that	SCONJ
cblr-2965	1185	30	300	300	NUM
cblr-2965	1185	31	17	17	NUM
cblr-2965	1185	32	c.f.r	c.f.r	NOUN
cblr-2965	1185	33	.	.	PUNCT
cblr-2965	1186	1	§	§	PROPN
cblr-2965	1186	2	230.482(b)(1	230.482(b)(1	NUM
cblr-2965	1186	3	)	)	PUNCT
cblr-2965	1186	4	(	(	PUNCT
cblr-2965	1186	5	2008	2008	NUM
cblr-2965	1186	6	)	)	PUNCT
cblr-2965	1186	7	.	.	PUNCT
cblr-2965	1187	1	301	301	NUM
cblr-2965	1187	2	see	see	VERB
cblr-2965	1187	3	,	,	PUNCT
cblr-2965	1187	4	e.g.	e.g.	ADV
cblr-2965	1187	5	,	,	PUNCT
cblr-2965	1187	6	sec	sec	PROPN
cblr-2965	1187	7	,	,	PUNCT
cblr-2965	1187	8	look	look	VERB
cblr-2965	1187	9	at	at	ADP
cblr-2965	1187	10	more	more	ADJ
cblr-2965	1187	11	,	,	PUNCT
cblr-2965	1187	12	supra	supra	PROPN
cblr-2965	1187	13	note	note	PROPN
cblr-2965	1187	14	138	138	NUM
cblr-2965	1187	15	(	(	PUNCT
cblr-2965	1187	16	"	"	PUNCT
cblr-2965	1187	17	[	[	X
cblr-2965	1187	18	l]ook	l]ook	NOUN
cblr-2965	1187	19	at	at	ADP
cblr-2965	1187	20	more	more	ADJ
cblr-2965	1187	21	than	than	ADP
cblr-2965	1187	22	the	the	DET
cblr-2965	1187	23	fund	fund	NOUN
cblr-2965	1187	24	's	's	PART
cblr-2965	1187	25	past	past	ADJ
cblr-2965	1187	26	performance	performance	NOUN
cblr-2965	1187	27	when	when	SCONJ
cblr-2965	1187	28	making	make	VERB
cblr-2965	1187	29	your	your	PRON
cblr-2965	1187	30	investment	investment	NOUN
cblr-2965	1187	31	decisions	decision	NOUN
cblr-2965	1187	32	.	.	PUNCT
cblr-2965	1188	1	read	read	VERB
cblr-2965	1188	2	the	the	DET
cblr-2965	1188	3	fund	fund	NOUN
cblr-2965	1188	4	's	's	PART
cblr-2965	1188	5	prospectus	prospectus	NOUN
cblr-2965	1188	6	and	and	CCONJ
cblr-2965	1188	7	shareholder	shareholder	NOUN
cblr-2965	1188	8	reports	report	NOUN
cblr-2965	1188	9	....	....	PUNCT
cblr-2965	1189	1	"	"	PUNCT
cblr-2965	1189	2	)	)	PUNCT
cblr-2965	1189	3	;	;	PUNCT
cblr-2965	1189	4	sec	sec	PROPN
cblr-2965	1189	5	,	,	PUNCT
cblr-2965	1189	6	invest	invest	VERB
cblr-2965	1189	7	wisely	wisely	ADV
cblr-2965	1189	8	,	,	PUNCT
cblr-2965	1189	9	supra	supra	ADJ
cblr-2965	1189	10	note	note	NOUN
cblr-2965	1189	11	1	1	NUM
cblr-2965	1189	12	(	(	PUNCT
cblr-2965	1189	13	"	"	PUNCT
cblr-2965	1189	14	before	before	SCONJ
cblr-2965	1189	15	you	you	PRON
cblr-2965	1189	16	invest	invest	VERB
cblr-2965	1189	17	,	,	PUNCT
cblr-2965	1189	18	be	be	AUX
cblr-2965	1189	19	sure	sure	ADJ
cblr-2965	1189	20	to	to	PART
cblr-2965	1189	21	read	read	VERB
cblr-2965	1189	22	a	a	DET
cblr-2965	1189	23	fund	fund	NOUN
cblr-2965	1189	24	's	's	PART
cblr-2965	1189	25	prospectus	prospectus	NOUN
cblr-2965	1189	26	and	and	CCONJ
cblr-2965	1189	27	shareholder	shareholder	NOUN
cblr-2965	1189	28	reports	report	NOUN
cblr-2965	1189	29	.	.	PUNCT
cblr-2965	1189	30	.	.	PUNCT
cblr-2965	1189	31	.	.	PUNCT
cblr-2965	1189	32	.	.	PUNCT
cblr-2965	1190	1	"	"	PUNCT
cblr-2965	1190	2	)	)	PUNCT
cblr-2965	1190	3	;	;	PUNCT
cblr-2965	1190	4	i	i	PRON
cblr-2965	1190	5	d.	d.	PROPN
cblr-2965	1190	6	(	(	PUNCT
cblr-2965	1190	7	"	"	PUNCT
cblr-2965	1190	8	fflou	fflou	ADJ
cblr-2965	1190	9	canand	canand	NOUN
cblr-2965	1190	10	should	should	AUX
cblr-2965	1190	11	-	-	PUNCT
cblr-2965	1190	12	request	request	VERB
cblr-2965	1190	13	and	and	CCONJ
cblr-2965	1190	14	read	read	VERB
cblr-2965	1190	15	a	a	DET
cblr-2965	1190	16	fund	fund	NOUN
cblr-2965	1190	17	's	's	PART
cblr-2965	1190	18	prospectus	prospectus	NOUN
cblr-2965	1190	19	before	before	SCONJ
cblr-2965	1190	20	you	you	PRON
cblr-2965	1190	21	invest	invest	VERB
cblr-2965	1190	22	....	....	PUNCT
cblr-2965	1190	23	while	while	SCONJ
cblr-2965	1190	24	they	they	PRON
cblr-2965	1190	25	may	may	AUX
cblr-2965	1190	26	seem	seem	VERB
cblr-2965	1190	27	daunting	daunt	VERB
cblr-2965	1190	28	at	at	ADP
cblr-2965	1190	29	first	first	ADJ
cblr-2965	1190	30	,	,	PUNCT
cblr-2965	1190	31	mutual	mutual	ADJ
cblr-2965	1190	32	fund	fund	NOUN
cblr-2965	1190	33	prospectuses	prospectus	NOUN
cblr-2965	1190	34	contain	contain	VERB
cblr-2965	1190	35	a	a	DET
cblr-2965	1190	36	treasure	treasure	NOUN
cblr-2965	1190	37	trove	trove	NOUN
cblr-2965	1190	38	of	of	ADP
cblr-2965	1190	39	valuable	valuable	ADJ
cblr-2965	1190	40	information	information	NOUN
cblr-2965	1190	41	.	.	PUNCT
cblr-2965	1191	1	"	"	PUNCT
cblr-2965	1191	2	)	)	PUNCT
cblr-2965	1191	3	.	.	PUNCT
cblr-2965	1192	1	[	[	X
cblr-2965	1192	2	vol	vol	NOUN
cblr-2965	1192	3	.	.	PUNCT
cblr-2965	1192	4	2008col	2008col	NUM
cblr-2965	1192	5	umbia	umbia	NOUN
cblr-2965	1192	6	business	business	NOUN
cblr-2965	1192	7	la	la	PROPN
cblr-2965	1192	8	w	w	PROPN
cblr-2965	1192	9	re	re	VERB
cblr-2965	1192	10	view	view	VERB
cblr-2965	1192	11	critical	critical	ADJ
cblr-2965	1192	12	information	information	NOUN
cblr-2965	1192	13	in	in	ADP
cblr-2965	1192	14	the	the	DET
cblr-2965	1192	15	prospectus	prospectus	NOUN
cblr-2965	1192	16	be	be	AUX
cblr-2965	1192	17	presented	present	VERB
cblr-2965	1192	18	in	in	ADP
cblr-2965	1192	19	plain	plain	ADJ
cblr-2965	1192	20	english	english	PROPN
cblr-2965	1192	21	and	and	CCONJ
cblr-2965	1192	22	in	in	ADP
cblr-2965	1192	23	standardized	standardized	ADJ
cblr-2965	1192	24	formats	format	NOUN
cblr-2965	1192	25	?	?	PUNCT
cblr-2965	1193	1	2	2	NUM
cblr-2965	1193	2	the	the	DET
cblr-2965	1193	3	sec	sec	PROPN
cblr-2965	1193	4	's	's	PART
cblr-2965	1193	5	website	website	NOUN
cblr-2965	1193	6	also	also	ADV
cblr-2965	1193	7	explains	explain	VERB
cblr-2965	1193	8	how	how	SCONJ
cblr-2965	1193	9	to	to	PART
cblr-2965	1193	10	read	read	VERB
cblr-2965	1193	11	the	the	DET
cblr-2965	1193	12	prospectus	prospectus	NOUN
cblr-2965	1193	13	,	,	PUNCT
cblr-2965	1193	14	including	include	VERB
cblr-2965	1193	15	the	the	DET
cblr-2965	1193	16	fee	fee	NOUN
cblr-2965	1193	17	table	table	NOUN
cblr-2965	1193	18	and	and	CCONJ
cblr-2965	1193	19	the	the	DET
cblr-2965	1193	20	risk	risk	NOUN
cblr-2965	1193	21	/	/	SYM
cblr-2965	1193	22	return	return	NOUN
cblr-2965	1193	23	bar	bar	NOUN
cblr-2965	1193	24	charts	chart	NOUN
cblr-2965	1193	25	.	.	PUNCT
cblr-2965	1193	26	3	3	NUM
cblr-2965	1193	27	despite	despite	SCONJ
cblr-2965	1193	28	the	the	DET
cblr-2965	1193	29	sec	sec	PROPN
cblr-2965	1193	30	's	's	PART
cblr-2965	1193	31	efforts	effort	NOUN
cblr-2965	1193	32	,	,	PUNCT
cblr-2965	1193	33	however	however	ADV
cblr-2965	1193	34	,	,	PUNCT
cblr-2965	1193	35	few	few	ADJ
cblr-2965	1193	36	investors	investor	NOUN
cblr-2965	1193	37	refer	refer	VERB
cblr-2965	1193	38	to	to	ADP
cblr-2965	1193	39	the	the	DET
cblr-2965	1193	40	prospectus	prospectus	NOUN
cblr-2965	1193	41	.	.	PUNCT
cblr-2965	1194	1	as	as	ADP
cblr-2965	1194	2	a	a	DET
cblr-2965	1194	3	result	result	NOUN
cblr-2965	1194	4	,	,	PUNCT
cblr-2965	1194	5	the	the	DET
cblr-2965	1194	6	sec	sec	PROPN
cblr-2965	1194	7	requirements	requirement	NOUN
cblr-2965	1194	8	largely	largely	ADV
cblr-2965	1194	9	create	create	VERB
cblr-2965	1194	10	only	only	ADV
cblr-2965	1194	11	the	the	DET
cblr-2965	1194	12	illusion	illusion	NOUN
cblr-2965	1194	13	of	of	ADP
cblr-2965	1194	14	effective	effective	ADJ
cblr-2965	1194	15	fund	fund	NOUN
cblr-2965	1194	16	disclosure	disclosure	NOUN
cblr-2965	1194	17	.	.	PUNCT
cblr-2965	1195	1	for	for	ADP
cblr-2965	1195	2	example	example	NOUN
cblr-2965	1195	3	,	,	PUNCT
cblr-2965	1195	4	only	only	ADV
cblr-2965	1195	5	34	34	NUM
cblr-2965	1195	6	%	%	NOUN
cblr-2965	1195	7	of	of	ADP
cblr-2965	1195	8	the	the	DET
cblr-2965	1195	9	participants	participant	NOUN
cblr-2965	1195	10	in	in	ADP
cblr-2965	1195	11	the	the	DET
cblr-2965	1195	12	ici	ici	NOUN
cblr-2965	1195	13	survey	survey	NOUN
cblr-2965	1195	14	said	say	VERB
cblr-2965	1195	15	that	that	SCONJ
cblr-2965	1195	16	they	they	PRON
cblr-2965	1195	17	consulted	consult	VERB
cblr-2965	1195	18	a	a	DET
cblr-2965	1195	19	fund	fund	NOUN
cblr-2965	1195	20	prospectus	prospectus	NOUN
cblr-2965	1195	21	before	before	ADP
cblr-2965	1195	22	investing.0	investing.0	PROPN
cblr-2965	1195	23	4	4	NUM
cblr-2965	1195	24	this	this	DET
cblr-2965	1195	25	number	number	NOUN
cblr-2965	1195	26	may	may	AUX
cblr-2965	1195	27	even	even	ADV
cblr-2965	1195	28	understate	understate	VERB
cblr-2965	1195	29	the	the	DET
cblr-2965	1195	30	degree	degree	NOUN
cblr-2965	1195	31	to	to	PART
cblr-2965	1195	32	which	which	PRON
cblr-2965	1195	33	the	the	DET
cblr-2965	1195	34	prospectus	prospectus	NOUN
cblr-2965	1195	35	is	be	AUX
cblr-2965	1195	36	ignored	ignore	VERB
cblr-2965	1195	37	by	by	ADP
cblr-2965	1195	38	investors	investor	NOUN
cblr-2965	1195	39	.	.	PUNCT
cblr-2965	1196	1	recall	recall	VERB
cblr-2965	1196	2	that	that	SCONJ
cblr-2965	1196	3	the	the	DET
cblr-2965	1196	4	ici	ici	NOUN
cblr-2965	1196	5	survey	survey	NOUN
cblr-2965	1196	6	was	be	AUX
cblr-2965	1196	7	conducted	conduct	VERB
cblr-2965	1196	8	through	through	ADP
cblr-2965	1196	9	face	face	NOUN
cblr-2965	1196	10	-	-	PUNCT
cblr-2965	1196	11	to	to	ADP
cblr-2965	1196	12	-	-	PUNCT
cblr-2965	1196	13	face	face	NOUN
cblr-2965	1196	14	interviews	interview	NOUN
cblr-2965	1196	15	.	.	PUNCT
cblr-2965	1197	1	out	out	ADP
cblr-2965	1197	2	of	of	ADP
cblr-2965	1197	3	embarrassment	embarrassment	NOUN
cblr-2965	1197	4	,	,	PUNCT
cblr-2965	1197	5	respondents	respondent	NOUN
cblr-2965	1197	6	may	may	AUX
cblr-2965	1197	7	have	have	AUX
cblr-2965	1197	8	over	over	ADV
cblr-2965	1197	9	-	-	PUNCT
cblr-2965	1197	10	reported	report	VERB
cblr-2965	1197	11	their	their	PRON
cblr-2965	1197	12	use	use	NOUN
cblr-2965	1197	13	of	of	ADP
cblr-2965	1197	14	the	the	DET
cblr-2965	1197	15	prospectus	prospectus	NOUN
cblr-2965	1197	16	.	.	PUNCT
cblr-2965	1198	1	in	in	ADP
cblr-2965	1198	2	addition	addition	NOUN
cblr-2965	1198	3	,	,	PUNCT
cblr-2965	1198	4	because	because	SCONJ
cblr-2965	1198	5	the	the	DET
cblr-2965	1198	6	ici	ici	NOUN
cblr-2965	1198	7	only	only	ADV
cblr-2965	1198	8	surveyed	survey	VERB
cblr-2965	1198	9	investors	investor	NOUN
cblr-2965	1198	10	who	who	PRON
cblr-2965	1198	11	own	own	VERB
cblr-2965	1198	12	funds	fund	NOUN
cblr-2965	1198	13	outside	outside	ADP
cblr-2965	1198	14	of	of	ADP
cblr-2965	1198	15	a	a	DET
cblr-2965	1198	16	work	work	NOUN
cblr-2965	1198	17	-	-	PUNCT
cblr-2965	1198	18	related	relate	VERB
cblr-2965	1198	19	retirement	retirement	NOUN
cblr-2965	1198	20	plan	plan	NOUN
cblr-2965	1198	21	,	,	PUNCT
cblr-2965	1198	22	those	those	PRON
cblr-2965	1198	23	surveyed	survey	VERB
cblr-2965	1198	24	are	be	AUX
cblr-2965	1198	25	likely	likely	ADV
cblr-2965	1198	26	more	more	ADV
cblr-2965	1198	27	experienced	experienced	ADJ
cblr-2965	1198	28	and	and	CCONJ
cblr-2965	1198	29	financially	financially	ADV
cblr-2965	1198	30	sophisticated	sophisticated	ADJ
cblr-2965	1198	31	than	than	ADP
cblr-2965	1198	32	the	the	DET
cblr-2965	1198	33	average	average	ADJ
cblr-2965	1198	34	fund	fund	NOUN
cblr-2965	1198	35	investor	investor	NOUN
cblr-2965	1198	36	,	,	PUNCT
cblr-2965	1198	37	and	and	CCONJ
cblr-2965	1198	38	thus	thus	ADV
cblr-2965	1198	39	may	may	AUX
cblr-2965	1198	40	be	be	AUX
cblr-2965	1198	41	more	more	ADV
cblr-2965	1198	42	likely	likely	ADJ
cblr-2965	1198	43	to	to	PART
cblr-2965	1198	44	understand	understand	VERB
cblr-2965	1198	45	the	the	DET
cblr-2965	1198	46	importance	importance	NOUN
cblr-2965	1198	47	of	of	ADP
cblr-2965	1198	48	reading	read	VERB
cblr-2965	1198	49	the	the	DET
cblr-2965	1198	50	prospectus	prospectus	NOUN
cblr-2965	1198	51	.	.	PUNCT
cblr-2965	1199	1	however	however	ADV
cblr-2965	1199	2	,	,	PUNCT
cblr-2965	1199	3	even	even	ADV
cblr-2965	1199	4	relatively	relatively	ADV
cblr-2965	1199	5	sophisticated	sophisticated	ADJ
cblr-2965	1199	6	investors	investor	NOUN
cblr-2965	1199	7	may	may	AUX
cblr-2965	1199	8	be	be	AUX
cblr-2965	1199	9	unable	unable	ADJ
cblr-2965	1199	10	to	to	PART
cblr-2965	1199	11	understand	understand	VERB
cblr-2965	1199	12	the	the	DET
cblr-2965	1199	13	prospectus	prospectus	NOUN
cblr-2965	1199	14	.	.	PUNCT
cblr-2965	1200	1	as	as	SCONJ
cblr-2965	1200	2	noted	note	VERB
cblr-2965	1200	3	above	above	ADV
cblr-2965	1200	4	,	,	PUNCT
cblr-2965	1200	5	an	an	DET
cblr-2965	1200	6	experiment	experiment	NOUN
cblr-2965	1200	7	by	by	ADP
cblr-2965	1200	8	choi	choi	NOUN
cblr-2965	1200	9	,	,	PUNCT
cblr-2965	1200	10	laibson	laibson	PROPN
cblr-2965	1200	11	,	,	PUNCT
cblr-2965	1200	12	and	and	CCONJ
cblr-2965	1200	13	madrian	madrian	ADJ
cblr-2965	1200	14	asked	ask	VERB
cblr-2965	1200	15	participants	participant	NOUN
cblr-2965	1200	16	,	,	PUNCT
cblr-2965	1200	17	who	who	PRON
cblr-2965	1200	18	as	as	ADP
cblr-2965	1200	19	a	a	DET
cblr-2965	1200	20	group	group	NOUN
cblr-2965	1200	21	were	be	AUX
cblr-2965	1200	22	more	more	ADV
cblr-2965	1200	23	financially	financially	ADV
cblr-2965	1200	24	sophisticated	sophisticated	ADJ
cblr-2965	1200	25	than	than	ADP
cblr-2965	1200	26	the	the	DET
cblr-2965	1200	27	typical	typical	ADJ
cblr-2965	1200	28	investor	investor	NOUN
cblr-2965	1200	29	,	,	PUNCT
cblr-2965	1200	30	to	to	PART
cblr-2965	1200	31	allocate	allocate	VERB
cblr-2965	1200	32	an	an	DET
cblr-2965	1200	33	investment	investment	NOUN
cblr-2965	1200	34	among	among	ADP
cblr-2965	1200	35	four	four	NUM
cblr-2965	1200	36	s&p	s&p	PROPN
cblr-2965	1200	37	500	500	NUM
cblr-2965	1200	38	index	index	NOUN
cblr-2965	1200	39	funds	fund	NOUN
cblr-2965	1200	40	.	.	PUNCT
cblr-2965	1201	1	05	05	NUM
cblr-2965	1201	2	to	to	PART
cblr-2965	1201	3	guide	guide	VERB
cblr-2965	1201	4	them	they	PRON
cblr-2965	1201	5	,	,	PUNCT
cblr-2965	1201	6	the	the	DET
cblr-2965	1201	7	participants	participant	NOUN
cblr-2965	1201	8	were	be	AUX
cblr-2965	1201	9	given	give	VERB
cblr-2965	1201	10	the	the	DET
cblr-2965	1201	11	funds	fund	NOUN
cblr-2965	1201	12	'	'	PART
cblr-2965	1201	13	prospectuses	prospectus	NOUN
cblr-2965	1201	14	,	,	PUNCT
cblr-2965	1201	15	which	which	PRON
cblr-2965	1201	16	included	include	VERB
cblr-2965	1201	17	information	information	NOUN
cblr-2965	1201	18	on	on	ADP
cblr-2965	1201	19	fund	fund	NOUN
cblr-2965	1201	20	expenses	expense	NOUN
cblr-2965	1201	21	.	.	PUNCT
cblr-2965	1202	1	"0	"0	VERB
cblr-2965	1202	2	despite	despite	SCONJ
cblr-2965	1202	3	this	this	PRON
cblr-2965	1202	4	,	,	PUNCT
cblr-2965	1202	5	almost	almost	ADV
cblr-2965	1202	6	none	none	NOUN
cblr-2965	1202	7	of	of	ADP
cblr-2965	1202	8	the	the	DET
cblr-2965	1202	9	participants	participant	NOUN
cblr-2965	1202	10	picked	pick	VERB
cblr-2965	1202	11	the	the	DET
cblr-2965	1202	12	best	good	ADJ
cblr-2965	1202	13	portfolio	portfolio	NOUN
cblr-2965	1202	14	,	,	PUNCT
cblr-2965	1202	15	which	which	PRON
cblr-2965	1202	16	would	would	AUX
cblr-2965	1202	17	have	have	AUX
cblr-2965	1202	18	minimized	minimize	VERB
cblr-2965	1202	19	expenses	expense	NOUN
cblr-2965	1202	20	and	and	CCONJ
cblr-2965	1202	21	thus	thus	ADV
cblr-2965	1202	22	maximized	maximize	VERB
cblr-2965	1202	23	their	their	PRON
cblr-2965	1202	24	return	return	NOUN
cblr-2965	1202	25	.	.	PUNCT
cblr-2965	1203	1	7	7	NUM
cblr-2965	1203	2	32	32	NUM
cblr-2965	1203	3	these	these	DET
cblr-2965	1203	4	requirements	requirement	NOUN
cblr-2965	1203	5	are	be	AUX
cblr-2965	1203	6	discussed	discuss	VERB
cblr-2965	1203	7	supra	supra	PROPN
cblr-2965	1203	8	pp	pp	PROPN
cblr-2965	1203	9	.	.	PUNCT
cblr-2965	1204	1	964	964	NUM
cblr-2965	1204	2	-	-	SYM
cblr-2965	1204	3	68	68	NUM
cblr-2965	1204	4	.	.	PUNCT
cblr-2965	1204	5	303	303	NUM
cblr-2965	1204	6	sec	sec	PROPN
cblr-2965	1204	7	,	,	PUNCT
cblr-2965	1204	8	mutual	mutual	ADJ
cblr-2965	1204	9	fund	fund	NOUN
cblr-2965	1204	10	prospectus	prospectus	NOUN
cblr-2965	1204	11	:	:	PUNCT
cblr-2965	1204	12	tips	tip	NOUN
cblr-2965	1204	13	for	for	ADP
cblr-2965	1204	14	reading	read	VERB
cblr-2965	1204	15	one	one	NUM
cblr-2965	1204	16	,	,	PUNCT
cblr-2965	1204	17	http://sec.gov/answers/mfprospectustips.htm	http://sec.gov/answers/mfprospectustips.htm	X
cblr-2965	1204	18	(	(	PUNCT
cblr-2965	1204	19	last	last	ADV
cblr-2965	1204	20	visited	visit	VERB
cblr-2965	1204	21	dec	dec	PROPN
cblr-2965	1204	22	.	.	PROPN
cblr-2965	1204	23	3	3	NUM
cblr-2965	1204	24	,	,	PUNCT
cblr-2965	1204	25	2008	2008	NUM
cblr-2965	1204	26	)	)	PUNCT
cblr-2965	1204	27	.	.	PUNCT
cblr-2965	1205	1	304	304	NUM
cblr-2965	1205	2	ici	ici	NOUN
cblr-2965	1205	3	,	,	PUNCT
cblr-2965	1205	4	investor	investor	NOUN
cblr-2965	1205	5	preferences	preference	NOUN
cblr-2965	1205	6	,	,	PUNCT
cblr-2965	1205	7	supra	supra	PROPN
cblr-2965	1205	8	note	note	NOUN
cblr-2965	1205	9	31	31	NUM
cblr-2965	1205	10	,	,	PUNCT
cblr-2965	1205	11	at	at	ADP
cblr-2965	1205	12	4	4	NUM
cblr-2965	1205	13	fig.2	fig.2	NOUN
cblr-2965	1205	14	.	.	PUNCT
cblr-2965	1206	1	305	305	NUM
cblr-2965	1206	2	choi	choi	NOUN
cblr-2965	1206	3	et	et	PROPN
cblr-2965	1206	4	al	al	PROPN
cblr-2965	1206	5	.	.	PROPN
cblr-2965	1206	6	,	,	PUNCT
cblr-2965	1206	7	supra	supra	PROPN
cblr-2965	1206	8	note	note	NOUN
cblr-2965	1206	9	208	208	NUM
cblr-2965	1206	10	,	,	PUNCT
cblr-2965	1206	11	at	at	ADP
cblr-2965	1206	12	3	3	NUM
cblr-2965	1206	13	-	-	SYM
cblr-2965	1206	14	4	4	NUM
cblr-2965	1206	15	.	.	NUM
cblr-2965	1206	16	306	306	NUM
cblr-2965	1207	1	i	i	PRON
cblr-2965	1207	2	d.	d.	NOUN
cblr-2965	1207	3	at	at	ADP
cblr-2965	1207	4	3	3	NUM
cblr-2965	1207	5	.	.	PROPN
cblr-2965	1207	6	301	301	NUM
cblr-2965	1208	1	i	i	PROPN
cblr-2965	1208	2	d.	d.	PROPN
cblr-2965	1208	3	at	at	ADP
cblr-2965	1208	4	4	4	NUM
cblr-2965	1208	5	.	.	PUNCT
cblr-2965	1208	6	no	no	INTJ
cblr-2965	1208	7	.	.	PUNCT
cblr-2965	1209	1	3:934	3:934	X
cblr-2965	1209	2	]	]	X
cblr-2965	1209	3	amutual	amutual	ADJ
cblr-2965	1209	4	fund	fund	PROPN
cblr-2965	1209	5	investors	investor	NOUN
cblr-2965	1209	6	the	the	DET
cblr-2965	1209	7	sec	sec	PROPN
cblr-2965	1209	8	also	also	ADV
cblr-2965	1209	9	tries	try	VERB
cblr-2965	1209	10	to	to	PART
cblr-2965	1209	11	educate	educate	VERB
cblr-2965	1209	12	fund	fund	NOUN
cblr-2965	1209	13	investors	investor	NOUN
cblr-2965	1209	14	through	through	ADP
cblr-2965	1209	15	its	its	PRON
cblr-2965	1209	16	website.3	website.3	PROPN
cblr-2965	1209	17	°	°	NOUN
cblr-2965	1209	18	8	8	NUM
cblr-2965	1209	19	but	but	CCONJ
cblr-2965	1209	20	this	this	DET
cblr-2965	1209	21	effort	effort	NOUN
cblr-2965	1209	22	may	may	AUX
cblr-2965	1209	23	be	be	AUX
cblr-2965	1209	24	a	a	DET
cblr-2965	1209	25	futile	futile	ADJ
cblr-2965	1209	26	gesture	gesture	NOUN
cblr-2965	1209	27	.	.	PUNCT
cblr-2965	1210	1	at	at	ADP
cblr-2965	1210	2	one	one	NUM
cblr-2965	1210	3	time	time	NOUN
cblr-2965	1210	4	,	,	PUNCT
cblr-2965	1210	5	the	the	DET
cblr-2965	1210	6	sec	sec	PROPN
cblr-2965	1210	7	reported	report	VERB
cblr-2965	1210	8	8500	8500	NUM
cblr-2965	1210	9	"	"	PUNCT
cblr-2965	1210	10	hits	hit	NOUN
cblr-2965	1210	11	"	"	PUNCT
cblr-2965	1210	12	per	per	ADP
cblr-2965	1210	13	month	month	NOUN
cblr-2965	1210	14	(	(	PUNCT
cblr-2965	1210	15	about	about	ADP
cblr-2965	1210	16	100,000	100,000	NUM
cblr-2965	1210	17	hits	hit	NOUN
cblr-2965	1210	18	per	per	ADP
cblr-2965	1210	19	year	year	NOUN
cblr-2965	1210	20	)	)	PUNCT
cblr-2965	1210	21	on	on	ADP
cblr-2965	1210	22	its	its	PRON
cblr-2965	1210	23	mutual	mutual	ADJ
cblr-2965	1210	24	fund	fund	NOUN
cblr-2965	1210	25	cost	cost	NOUN
cblr-2965	1210	26	calculator	calculator	NOUN
cblr-2965	1210	27	,	,	PUNCT
cblr-2965	1210	28	"	"	PUNCT
cblr-2965	1210	29	making	make	VERB
cblr-2965	1210	30	it	it	PRON
cblr-2965	1210	31	one	one	NUM
cblr-2965	1210	32	of	of	ADP
cblr-2965	1210	33	the	the	DET
cblr-2965	1210	34	most	most	ADV
cblr-2965	1210	35	frequented	frequented	ADJ
cblr-2965	1210	36	portions	portion	NOUN
cblr-2965	1210	37	of	of	ADP
cblr-2965	1210	38	the	the	DET
cblr-2965	1210	39	sec	sec	PROPN
cblr-2965	1210	40	website	website	NOUN
cblr-2965	1210	41	.	.	PUNCT
cblr-2965	1210	42	"	"	PUNCT
cblr-2965	1211	1	°	°	ADP
cblr-2965	1211	2	9	9	NUM
cblr-2965	1211	3	but	but	CCONJ
cblr-2965	1211	4	the	the	DET
cblr-2965	1211	5	significance	significance	NOUN
cblr-2965	1211	6	of	of	ADP
cblr-2965	1211	7	that	that	DET
cblr-2965	1211	8	number	number	NOUN
cblr-2965	1211	9	must	must	AUX
cblr-2965	1211	10	be	be	AUX
cblr-2965	1211	11	viewed	view	VERB
cblr-2965	1211	12	in	in	ADP
cblr-2965	1211	13	context	context	NOUN
cblr-2965	1211	14	.	.	PUNCT
cblr-2965	1212	1	a	a	DET
cblr-2965	1212	2	single	single	ADJ
cblr-2965	1212	3	investor	investor	NOUN
cblr-2965	1212	4	can	can	AUX
cblr-2965	1212	5	be	be	AUX
cblr-2965	1212	6	responsible	responsible	ADJ
cblr-2965	1212	7	for	for	ADP
cblr-2965	1212	8	multiple	multiple	ADJ
cblr-2965	1212	9	hits	hit	NOUN
cblr-2965	1212	10	on	on	ADP
cblr-2965	1212	11	a	a	DET
cblr-2965	1212	12	website	website	NOUN
cblr-2965	1212	13	.	.	PUNCT
cblr-2965	1213	1	in	in	ADP
cblr-2965	1213	2	addition	addition	NOUN
cblr-2965	1213	3	,	,	PUNCT
cblr-2965	1213	4	even	even	ADV
cblr-2965	1213	5	if	if	SCONJ
cblr-2965	1213	6	each	each	DET
cblr-2965	1213	7	hit	hit	NOUN
cblr-2965	1213	8	came	come	VERB
cblr-2965	1213	9	from	from	ADP
cblr-2965	1213	10	a	a	DET
cblr-2965	1213	11	different	different	ADJ
cblr-2965	1213	12	investor	investor	NOUN
cblr-2965	1213	13	,	,	PUNCT
cblr-2965	1213	14	it	it	PRON
cblr-2965	1213	15	would	would	AUX
cblr-2965	1213	16	still	still	ADV
cblr-2965	1213	17	constitute	constitute	VERB
cblr-2965	1213	18	a	a	DET
cblr-2965	1213	19	tiny	tiny	ADJ
cblr-2965	1213	20	percentage	percentage	NOUN
cblr-2965	1213	21	of	of	ADP
cblr-2965	1213	22	the	the	DET
cblr-2965	1213	23	fifty	fifty	NUM
cblr-2965	1213	24	-	-	PUNCT
cblr-2965	1213	25	five	five	NUM
cblr-2965	1213	26	million	million	NUM
cblr-2965	1213	27	u.s	u.s	PROPN
cblr-2965	1213	28	.	.	PROPN
cblr-2965	1213	29	households	household	NOUN
cblr-2965	1213	30	that	that	PRON
cblr-2965	1213	31	own	own	VERB
cblr-2965	1213	32	mutual	mutual	ADJ
cblr-2965	1213	33	funds	fund	NOUN
cblr-2965	1213	34	.	.	PUNCT
cblr-2965	1214	1	further	further	ADJ
cblr-2965	1214	2	evidence	evidence	NOUN
cblr-2965	1214	3	of	of	ADP
cblr-2965	1214	4	the	the	DET
cblr-2965	1214	5	sec	sec	PROPN
cblr-2965	1214	6	's	's	PART
cblr-2965	1214	7	lack	lack	NOUN
cblr-2965	1214	8	of	of	ADP
cblr-2965	1214	9	influence	influence	NOUN
cblr-2965	1214	10	in	in	ADP
cblr-2965	1214	11	educating	educate	VERB
cblr-2965	1214	12	fund	fund	NOUN
cblr-2965	1214	13	investors	investor	NOUN
cblr-2965	1214	14	is	be	AUX
cblr-2965	1214	15	that	that	SCONJ
cblr-2965	1214	16	no	no	DET
cblr-2965	1214	17	investor	investor	NOUN
cblr-2965	1214	18	survey	survey	NOUN
cblr-2965	1214	19	has	have	AUX
cblr-2965	1214	20	even	even	ADV
cblr-2965	1214	21	mentioned	mention	VERB
cblr-2965	1214	22	the	the	DET
cblr-2965	1214	23	sec	sec	PROPN
cblr-2965	1214	24	as	as	ADP
cblr-2965	1214	25	a	a	DET
cblr-2965	1214	26	source	source	NOUN
cblr-2965	1214	27	of	of	ADP
cblr-2965	1214	28	information	information	NOUN
cblr-2965	1214	29	for	for	ADP
cblr-2965	1214	30	investors	investor	NOUN
cblr-2965	1214	31	.	.	PUNCT
cblr-2965	1215	1	indeed	indeed	ADV
cblr-2965	1215	2	,	,	PUNCT
cblr-2965	1215	3	even	even	ADV
cblr-2965	1215	4	the	the	DET
cblr-2965	1215	5	sec	sec	PROPN
cblr-2965	1215	6	has	have	AUX
cblr-2965	1215	7	acknowledged	acknowledge	VERB
cblr-2965	1215	8	that	that	SCONJ
cblr-2965	1215	9	its	its	PRON
cblr-2965	1215	10	ability	ability	NOUN
cblr-2965	1215	11	to	to	PART
cblr-2965	1215	12	educate	educate	VERB
cblr-2965	1215	13	investors	investor	NOUN
cblr-2965	1215	14	is	be	AUX
cblr-2965	1215	15	limited	limit	VERB
cblr-2965	1215	16	,	,	PUNCT
cblr-2965	1215	17	and	and	CCONJ
cblr-2965	1215	18	that	that	SCONJ
cblr-2965	1215	19	investors	investor	NOUN
cblr-2965	1215	20	must	must	AUX
cblr-2965	1215	21	primarily	primarily	ADV
cblr-2965	1215	22	learn	learn	VERB
cblr-2965	1215	23	about	about	ADP
cblr-2965	1215	24	mutual	mutual	ADJ
cblr-2965	1215	25	funds	fund	NOUN
cblr-2965	1215	26	from	from	ADP
cblr-2965	1215	27	information	information	NOUN
cblr-2965	1215	28	provided	provide	VERB
cblr-2965	1215	29	by	by	ADP
cblr-2965	1215	30	fund	fund	NOUN
cblr-2965	1215	31	companies	company	NOUN
cblr-2965	1215	32	themselves	themselves	PRON
cblr-2965	1215	33	.	.	PUNCT
cblr-2965	1216	1	b.	b.	VERB
cblr-2965	1217	1	inducing	induce	VERB
cblr-2965	1217	2	investors	investor	NOUN
cblr-2965	1217	3	to	to	PART
cblr-2965	1217	4	pay	pay	VERB
cblr-2965	1217	5	greater	great	ADJ
cblr-2965	1217	6	attention	attention	NOUN
cblr-2965	1217	7	to	to	ADP
cblr-2965	1217	8	fund	fund	NOUN
cblr-2965	1217	9	expenses	expense	NOUN
cblr-2965	1217	10	the	the	DET
cblr-2965	1217	11	sec	sec	PROPN
cblr-2965	1217	12	encourages	encourage	VERB
cblr-2965	1217	13	investors	investor	NOUN
cblr-2965	1217	14	to	to	PART
cblr-2965	1217	15	pay	pay	VERB
cblr-2965	1217	16	attention	attention	NOUN
cblr-2965	1217	17	to	to	ADP
cblr-2965	1217	18	fund	fund	NOUN
cblr-2965	1217	19	expenses	expense	NOUN
cblr-2965	1217	20	and	and	CCONJ
cblr-2965	1217	21	requires	require	VERB
cblr-2965	1217	22	that	that	SCONJ
cblr-2965	1217	23	the	the	DET
cblr-2965	1217	24	prospectuses	prospectus	NOUN
cblr-2965	1217	25	and	and	CCONJ
cblr-2965	1217	26	shareholder	shareholder	NOUN
cblr-2965	1217	27	reports	report	NOUN
cblr-2965	1217	28	highlight	highlight	VERB
cblr-2965	1217	29	expenses	expense	NOUN
cblr-2965	1217	30	,	,	PUNCT
cblr-2965	1217	31	putting	put	VERB
cblr-2965	1217	32	them	they	PRON
cblr-2965	1217	33	in	in	ADP
cblr-2965	1217	34	a	a	DET
cblr-2965	1217	35	standardized	standardized	ADJ
cblr-2965	1217	36	tabular	tabular	NOUN
cblr-2965	1217	37	form	form	NOUN
cblr-2965	1217	38	for	for	ADP
cblr-2965	1217	39	investors	investor	NOUN
cblr-2965	1217	40	.	.	PUNCT
cblr-2965	1218	1	this	this	PRON
cblr-2965	1218	2	is	be	AUX
cblr-2965	1218	3	salutary	salutary	ADJ
cblr-2965	1218	4	-	-	PUNCT
cblr-2965	1218	5	investors	investor	NOUN
cblr-2965	1218	6	are	be	AUX
cblr-2965	1218	7	more	more	ADV
cblr-2965	1218	8	likely	likely	ADJ
cblr-2965	1218	9	to	to	PART
cblr-2965	1218	10	use	use	VERB
cblr-2965	1218	11	clear	clear	ADJ
cblr-2965	1218	12	,	,	PUNCT
cblr-2965	1218	13	simplified	simplified	ADJ
cblr-2965	1218	14	information	information	NOUN
cblr-2965	1218	15	.	.	PUNCT
cblr-2965	1219	1	for	for	ADP
cblr-2965	1219	2	example	example	NOUN
cblr-2965	1219	3	,	,	PUNCT
cblr-2965	1219	4	choi	choi	NOUN
cblr-2965	1219	5	,	,	PUNCT
cblr-2965	1219	6	laibson	laibson	NOUN
cblr-2965	1219	7	and	and	CCONJ
cblr-2965	1219	8	madrian	madrian	NOUN
cblr-2965	1219	9	's	's	PART
cblr-2965	1219	10	experiment	experiment	NOUN
cblr-2965	1219	11	found	find	VERB
cblr-2965	1219	12	that	that	SCONJ
cblr-2965	1219	13	investors	investor	NOUN
cblr-2965	1219	14	given	give	VERB
cblr-2965	1219	15	a	a	DET
cblr-2965	1219	16	one	one	NUM
cblr-2965	1219	17	-	-	PUNCT
cblr-2965	1219	18	page	page	NOUN
cblr-2965	1219	19	expense	expense	NOUN
cblr-2965	1219	20	summary	summary	NOUN
cblr-2965	1219	21	sheet	sheet	NOUN
cblr-2965	1219	22	with	with	ADP
cblr-2965	1219	23	the	the	DET
cblr-2965	1219	24	prospectuses	prospectus	NOUN
cblr-2965	1219	25	are	be	AUX
cblr-2965	1219	26	more	more	ADV
cblr-2965	1219	27	likely	likely	ADJ
cblr-2965	1219	28	to	to	PART
cblr-2965	1219	29	pay	pay	VERB
cblr-2965	1219	30	attention	attention	NOUN
cblr-2965	1219	31	to	to	ADP
cblr-2965	1219	32	expenses	expense	NOUN
cblr-2965	1219	33	and	and	CCONJ
cblr-2965	1219	34	choose	choose	VERB
cblr-2965	1219	35	lower	low	ADJ
cblr-2965	1219	36	-	-	PUNCT
cblr-2965	1219	37	expense	expense	NOUN
cblr-2965	1219	38	funds	fund	NOUN
cblr-2965	1219	39	than	than	SCONJ
cblr-2965	1219	40	investors	investor	NOUN
cblr-2965	1219	41	given	give	VERB
cblr-2965	1219	42	only	only	ADV
cblr-2965	1219	43	the	the	DET
cblr-2965	1219	44	prospectus	prospectus	NOUN
cblr-2965	1219	45	.	.	PUNCT
cblr-2965	1220	1	10	10	NUM
cblr-2965	1220	2	despite	despite	SCONJ
cblr-2965	1220	3	the	the	DET
cblr-2965	1220	4	sec	sec	PROPN
cblr-2965	1220	5	's	's	PART
cblr-2965	1220	6	efforts	effort	NOUN
cblr-2965	1220	7	,	,	PUNCT
cblr-2965	1220	8	however	however	ADV
cblr-2965	1220	9	,	,	PUNCT
cblr-2965	1220	10	many	many	ADJ
cblr-2965	1220	11	investors	investor	NOUN
cblr-2965	1220	12	still	still	ADV
cblr-2965	1220	13	give	give	VERB
cblr-2965	1220	14	little	little	ADJ
cblr-2965	1220	15	weight	weight	NOUN
cblr-2965	1220	16	to	to	PART
cblr-2965	1220	17	fund	fund	NOUN
cblr-2965	1220	18	expenses	expense	NOUN
cblr-2965	1220	19	.	.	PUNCT
cblr-2965	1221	1	3	3	NUM
cblr-2965	1221	2	see	see	VERB
cblr-2965	1221	3	supra	supra	PROPN
cblr-2965	1221	4	pp	pp	PROPN
cblr-2965	1221	5	.	.	PUNCT
cblr-2965	1222	1	971	971	NUM
cblr-2965	1222	2	-	-	SYM
cblr-2965	1222	3	75	75	NUM
cblr-2965	1222	4	for	for	ADP
cblr-2965	1222	5	a	a	DET
cblr-2965	1222	6	discussion	discussion	NOUN
cblr-2965	1222	7	of	of	ADP
cblr-2965	1222	8	these	these	DET
cblr-2965	1222	9	efforts	effort	NOUN
cblr-2965	1222	10	.	.	PUNCT
cblr-2965	1223	1	a	a	DET
cblr-2965	1223	2	letter	letter	NOUN
cblr-2965	1223	3	from	from	ADP
cblr-2965	1223	4	paul	paul	PROPN
cblr-2965	1223	5	f.	f.	PROPN
cblr-2965	1223	6	roye	roye	PROPN
cblr-2965	1223	7	,	,	PUNCT
cblr-2965	1223	8	division	division	NOUN
cblr-2965	1223	9	of	of	ADP
cblr-2965	1223	10	inv	inv	ADJ
cblr-2965	1223	11	.	.	PUNCT
cblr-2965	1224	1	management	management	NOUN
cblr-2965	1224	2	,	,	PUNCT
cblr-2965	1224	3	sec	sec	PROPN
cblr-2965	1224	4	,	,	PUNCT
cblr-2965	1224	5	to	to	ADP
cblr-2965	1224	6	thomas	thomas	PROPN
cblr-2965	1224	7	j.	j.	PROPN
cblr-2965	1224	8	mccool	mccool	PROPN
cblr-2965	1224	9	,	,	PUNCT
cblr-2965	1224	10	director	director	NOUN
cblr-2965	1224	11	,	,	PUNCT
cblr-2965	1224	12	financial	financial	ADJ
cblr-2965	1224	13	institutions	institution	NOUN
cblr-2965	1224	14	&	&	CCONJ
cblr-2965	1224	15	market	market	NOUN
cblr-2965	1224	16	issues	issue	NOUN
cblr-2965	1224	17	,	,	PUNCT
cblr-2965	1224	18	general	general	ADJ
cblr-2965	1224	19	government	government	NOUN
cblr-2965	1224	20	division	division	NOUN
cblr-2965	1224	21	.	.	PUNCT
cblr-2965	1224	22	,	,	PUNCT
cblr-2965	1224	23	u.s	u.s	PROPN
cblr-2965	1224	24	.	.	PROPN
cblr-2965	1224	25	gen	gen	PROPN
cblr-2965	1224	26	.	.	PROPN
cblr-2965	1224	27	accounting	accounting	PROPN
cblr-2965	1224	28	office	office	PROPN
cblr-2965	1224	29	(	(	PUNCT
cblr-2965	1224	30	may	may	PROPN
cblr-2965	1224	31	10	10	NUM
cblr-2965	1224	32	,	,	PUNCT
cblr-2965	1224	33	2000	2000	NUM
cblr-2965	1224	34	)	)	PUNCT
cblr-2965	1224	35	,	,	PUNCT
cblr-2965	1224	36	available	available	ADJ
cblr-2965	1224	37	at	at	ADP
cblr-2965	1224	38	http://www.gao.gov/archive/2000/gg00126.pdf	http://www.gao.gov/archive/2000/gg00126.pdf	PROPN
cblr-2965	1224	39	at	at	ADP
cblr-2965	1224	40	104	104	NUM
cblr-2965	1224	41	.	.	PUNCT
cblr-2965	1225	1	310	310	NUM
cblr-2965	1225	2	choi	choi	PROPN
cblr-2965	1225	3	et	et	PROPN
cblr-2965	1225	4	al	al	PROPN
cblr-2965	1225	5	.	.	PROPN
cblr-2965	1225	6	,	,	PUNCT
cblr-2965	1225	7	supra	supra	PROPN
cblr-2965	1225	8	note	note	NOUN
cblr-2965	1225	9	208	208	NUM
cblr-2965	1225	10	,	,	PUNCT
cblr-2965	1225	11	at	at	ADP
cblr-2965	1225	12	17	17	NUM
cblr-2965	1225	13	.	.	PUNCT
cblr-2965	1226	1	col	col	PROPN
cblr-2965	1226	2	uamia	uamia	PROPN
cblr-2965	1226	3	b	b	PROPN
cblr-2965	1226	4	usiness	usiness	PROPN
cblr-2965	1226	5	la	la	PROPN
cblr-2965	1226	6	w	w	PROPN
cblr-2965	1226	7	re	re	PROPN
cblr-2965	1226	8	vie	vie	PROPN
cblr-2965	1226	9	w	w	PROPN
cblr-2965	1227	1	[	[	X
cblr-2965	1227	2	vol	vol	NOUN
cblr-2965	1227	3	.	.	NOUN
cblr-2965	1227	4	2008	2008	NUM
cblr-2965	1227	5	4mutual	4mutual	NUM
cblr-2965	1227	6	fund	fund	NOUN
cblr-2965	1227	7	investors	investor	NOUN
cblr-2965	1227	8	how	how	SCONJ
cblr-2965	1227	9	can	can	AUX
cblr-2965	1227	10	the	the	DET
cblr-2965	1227	11	sec	sec	PROPN
cblr-2965	1227	12	get	get	VERB
cblr-2965	1227	13	investors	investor	NOUN
cblr-2965	1227	14	to	to	PART
cblr-2965	1227	15	pay	pay	VERB
cblr-2965	1227	16	more	more	ADJ
cblr-2965	1227	17	attention	attention	NOUN
cblr-2965	1227	18	to	to	ADP
cblr-2965	1227	19	fund	fund	NOUN
cblr-2965	1227	20	costs	cost	NOUN
cblr-2965	1227	21	?	?	PUNCT
cblr-2965	1228	1	cost	cost	NOUN
cblr-2965	1228	2	information	information	NOUN
cblr-2965	1228	3	is	be	AUX
cblr-2965	1228	4	already	already	ADV
cblr-2965	1228	5	readily	readily	ADV
cblr-2965	1228	6	available	available	ADJ
cblr-2965	1228	7	.	.	PUNCT
cblr-2965	1229	1	for	for	ADP
cblr-2965	1229	2	example	example	NOUN
cblr-2965	1229	3	,	,	PUNCT
cblr-2965	1229	4	as	as	SCONJ
cblr-2965	1229	5	noted	note	VERB
cblr-2965	1229	6	above	above	ADV
cblr-2965	1229	7	,	,	PUNCT
cblr-2965	1229	8	the	the	DET
cblr-2965	1229	9	sec	sec	PROPN
cblr-2965	1229	10	's	's	PART
cblr-2965	1229	11	website	website	NOUN
cblr-2965	1229	12	offers	offer	VERB
cblr-2965	1229	13	a	a	DET
cblr-2965	1229	14	mutual	mutual	ADJ
cblr-2965	1229	15	fund	fund	NOUN
cblr-2965	1229	16	cost	cost	NOUN
cblr-2965	1229	17	calculator	calculator	NOUN
cblr-2965	1229	18	that	that	PRON
cblr-2965	1229	19	allows	allow	VERB
cblr-2965	1229	20	investors	investor	NOUN
cblr-2965	1229	21	to	to	PART
cblr-2965	1229	22	compare	compare	VERB
cblr-2965	1229	23	the	the	DET
cblr-2965	1229	24	impact	impact	NOUN
cblr-2965	1229	25	of	of	ADP
cblr-2965	1229	26	different	different	ADJ
cblr-2965	1229	27	funds	fund	NOUN
cblr-2965	1229	28	'	'	PART
cblr-2965	1229	29	loads	load	NOUN
cblr-2965	1229	30	and	and	CCONJ
cblr-2965	1229	31	expense	expense	NOUN
cblr-2965	1229	32	ratios	ratio	NOUN
cblr-2965	1229	33	.	.	PUNCT
cblr-2965	1230	1	"	"	PUNCT
cblr-2965	1230	2	'	'	PUNCT
cblr-2965	1230	3	the	the	DET
cblr-2965	1230	4	problem	problem	NOUN
cblr-2965	1230	5	is	be	AUX
cblr-2965	1230	6	getting	get	VERB
cblr-2965	1230	7	investors	investor	NOUN
cblr-2965	1230	8	to	to	PART
cblr-2965	1230	9	access	access	VERB
cblr-2965	1230	10	and	and	CCONJ
cblr-2965	1230	11	act	act	VERB
cblr-2965	1230	12	upon	upon	SCONJ
cblr-2965	1230	13	such	such	ADJ
cblr-2965	1230	14	information	information	NOUN
cblr-2965	1230	15	.	.	PUNCT
cblr-2965	1231	1	one	one	NUM
cblr-2965	1231	2	possibility	possibility	NOUN
cblr-2965	1231	3	for	for	ADP
cblr-2965	1231	4	getting	get	VERB
cblr-2965	1231	5	investor	investor	NOUN
cblr-2965	1231	6	attention	attention	NOUN
cblr-2965	1231	7	is	be	AUX
cblr-2965	1231	8	further	further	ADJ
cblr-2965	1231	9	disclosure	disclosure	NOUN
cblr-2965	1231	10	reform	reform	NOUN
cblr-2965	1231	11	.	.	PUNCT
cblr-2965	1232	1	for	for	ADP
cblr-2965	1232	2	example	example	NOUN
cblr-2965	1232	3	,	,	PUNCT
cblr-2965	1232	4	as	as	SCONJ
cblr-2965	1232	5	discussed	discuss	VERB
cblr-2965	1232	6	above	above	ADV
cblr-2965	1232	7	,	,	PUNCT
cblr-2965	1232	8	the	the	DET
cblr-2965	1232	9	sec	sec	PROPN
cblr-2965	1232	10	's	's	PART
cblr-2965	1232	11	new	new	ADJ
cblr-2965	1232	12	proposal	proposal	NOUN
cblr-2965	1232	13	for	for	ADP
cblr-2965	1232	14	a	a	DET
cblr-2965	1232	15	summary	summary	NOUN
cblr-2965	1232	16	at	at	ADP
cblr-2965	1232	17	the	the	DET
cblr-2965	1232	18	beginning	beginning	NOUN
cblr-2965	1232	19	of	of	ADP
cblr-2965	1232	20	fund	fund	NOUN
cblr-2965	1232	21	prospectuses	prospectus	NOUN
cblr-2965	1232	22	in	in	ADP
cblr-2965	1232	23	part	part	NOUN
cblr-2965	1232	24	attempts	attempt	NOUN
cblr-2965	1232	25	to	to	PART
cblr-2965	1232	26	"	"	PUNCT
cblr-2965	1232	27	addressh	addressh	PROPN
cblr-2965	1232	28	concerns	concern	NOUN
cblr-2965	1232	29	that	that	SCONJ
cblr-2965	1232	30	investors	investor	NOUN
cblr-2965	1232	31	do	do	AUX
cblr-2965	1232	32	not	not	PART
cblr-2965	1232	33	understand	understand	VERB
cblr-2965	1232	34	that	that	SCONJ
cblr-2965	1232	35	they	they	PRON
cblr-2965	1232	36	pay	pay	VERB
cblr-2965	1232	37	ongoing	ongoing	ADJ
cblr-2965	1232	38	costs	cost	NOUN
cblr-2965	1232	39	every	every	DET
cblr-2965	1232	40	year	year	NOUN
cblr-2965	1232	41	when	when	SCONJ
cblr-2965	1232	42	they	they	PRON
cblr-2965	1232	43	invest	invest	VERB
cblr-2965	1232	44	in	in	ADP
cblr-2965	1232	45	mutual	mutual	ADJ
cblr-2965	1232	46	funds	fund	NOUN
cblr-2965	1232	47	.	.	PUNCT
cblr-2965	1233	1	"312	"312	NOUN
cblr-2965	1233	2	it	it	PRON
cblr-2965	1233	3	does	do	VERB
cblr-2965	1233	4	this	this	PRON
cblr-2965	1233	5	by	by	ADP
cblr-2965	1233	6	improving	improve	VERB
cblr-2965	1233	7	the	the	DET
cblr-2965	1233	8	explanation	explanation	NOUN
cblr-2965	1233	9	of	of	ADP
cblr-2965	1233	10	ongoing	ongoing	ADJ
cblr-2965	1233	11	costs	cost	NOUN
cblr-2965	1233	12	.	.	PUNCT
cblr-2965	1234	1	313	313	NUM
cblr-2965	1234	2	in	in	ADP
cblr-2965	1234	3	addition	addition	NOUN
cblr-2965	1234	4	,	,	PUNCT
cblr-2965	1234	5	the	the	DET
cblr-2965	1234	6	proposal	proposal	NOUN
cblr-2965	1234	7	tries	try	VERB
cblr-2965	1234	8	to	to	PART
cblr-2965	1234	9	increase	increase	VERB
cblr-2965	1234	10	the	the	DET
cblr-2965	1234	11	prominence	prominence	NOUN
cblr-2965	1234	12	of	of	ADP
cblr-2965	1234	13	fund	fund	NOUN
cblr-2965	1234	14	cost	cost	NOUN
cblr-2965	1234	15	disclosure	disclosure	NOUN
cblr-2965	1234	16	by	by	ADP
cblr-2965	1234	17	moving	move	VERB
cblr-2965	1234	18	the	the	DET
cblr-2965	1234	19	fee	fee	NOUN
cblr-2965	1234	20	table	table	NOUN
cblr-2965	1234	21	to	to	ADP
cblr-2965	1234	22	near	near	ADP
cblr-2965	1234	23	the	the	DET
cblr-2965	1234	24	front	front	NOUN
cblr-2965	1234	25	of	of	ADP
cblr-2965	1234	26	the	the	DET
cblr-2965	1234	27	prospectus	prospectus	NOUN
cblr-2965	1234	28	summary	summary	NOUN
cblr-2965	1234	29	.	.	PUNCT
cblr-2965	1235	1	4	4	NUM
cblr-2965	1235	2	cox	cox	PROPN
cblr-2965	1235	3	and	and	CCONJ
cblr-2965	1235	4	payne	payne	PROPN
cblr-2965	1235	5	have	have	AUX
cblr-2965	1235	6	argued	argue	VERB
cblr-2965	1235	7	for	for	ADP
cblr-2965	1235	8	a	a	DET
cblr-2965	1235	9	different	different	ADJ
cblr-2965	1235	10	type	type	NOUN
cblr-2965	1235	11	of	of	ADP
cblr-2965	1235	12	disclosure	disclosure	NOUN
cblr-2965	1235	13	.	.	PUNCT
cblr-2965	1236	1	they	they	PRON
cblr-2965	1236	2	have	have	AUX
cblr-2965	1236	3	called	call	VERB
cblr-2965	1236	4	for	for	ADP
cblr-2965	1236	5	requiring	require	VERB
cblr-2965	1236	6	each	each	DET
cblr-2965	1236	7	mutual	mutual	ADJ
cblr-2965	1236	8	fund	fund	NOUN
cblr-2965	1236	9	to	to	PART
cblr-2965	1236	10	report	report	VERB
cblr-2965	1236	11	how	how	SCONJ
cblr-2965	1236	12	its	its	PRON
cblr-2965	1236	13	expense	expense	NOUN
cblr-2965	1236	14	ratio	ratio	NOUN
cblr-2965	1236	15	compares	compare	VERB
cblr-2965	1236	16	to	to	ADP
cblr-2965	1236	17	that	that	PRON
cblr-2965	1236	18	of	of	ADP
cblr-2965	1236	19	comparable	comparable	ADJ
cblr-2965	1236	20	funds	fund	NOUN
cblr-2965	1236	21	.	.	PUNCT
cblr-2965	1237	1	"1	"1	NOUN
cblr-2965	1237	2	they	they	PRON
cblr-2965	1237	3	argue	argue	VERB
cblr-2965	1237	4	that	that	SCONJ
cblr-2965	1237	5	this	this	DET
cblr-2965	1237	6	data	data	NOUN
cblr-2965	1237	7	is	be	AUX
cblr-2965	1237	8	necessary	necessary	ADJ
cblr-2965	1237	9	to	to	PART
cblr-2965	1237	10	help	help	VERB
cblr-2965	1237	11	investors	investor	NOUN
cblr-2965	1237	12	overcome	overcome	VERB
cblr-2965	1237	13	an	an	DET
cblr-2965	1237	14	evaluability	evaluability	NOUN
cblr-2965	1237	15	problem	problem	NOUN
cblr-2965	1237	16	.	.	PUNCT
cblr-2965	1238	1	that	that	PRON
cblr-2965	1238	2	is	be	AUX
cblr-2965	1238	3	,	,	PUNCT
cblr-2965	1238	4	knowing	know	VERB
cblr-2965	1238	5	a	a	DET
cblr-2965	1238	6	fund	fund	NOUN
cblr-2965	1238	7	's	's	PART
cblr-2965	1238	8	expense	expense	NOUN
cblr-2965	1238	9	ratio	ratio	NOUN
cblr-2965	1238	10	is	be	AUX
cblr-2965	1238	11	only	only	ADV
cblr-2965	1238	12	helpful	helpful	ADJ
cblr-2965	1238	13	if	if	SCONJ
cblr-2965	1238	14	the	the	DET
cblr-2965	1238	15	investor	investor	NOUN
cblr-2965	1238	16	can	can	AUX
cblr-2965	1238	17	readily	readily	ADV
cblr-2965	1238	18	compare	compare	VERB
cblr-2965	1238	19	it	it	PRON
cblr-2965	1238	20	to	to	ADP
cblr-2965	1238	21	that	that	PRON
cblr-2965	1238	22	of	of	ADP
cblr-2965	1238	23	other	other	ADJ
cblr-2965	1238	24	funds	fund	NOUN
cblr-2965	1238	25	.	.	PUNCT
cblr-2965	1239	1	16	16	NUM
cblr-2965	1239	2	311	311	NUM
cblr-2965	1239	3	sec	sec	PROPN
cblr-2965	1239	4	,	,	PUNCT
cblr-2965	1239	5	the	the	DET
cblr-2965	1239	6	sec	sec	PROPN
cblr-2965	1239	7	mutual	mutual	ADJ
cblr-2965	1239	8	fund	fund	NOUN
cblr-2965	1239	9	cost	cost	NOUN
cblr-2965	1239	10	calculator	calculator	NOUN
cblr-2965	1239	11	:	:	PUNCT
cblr-2965	1239	12	a	a	DET
cblr-2965	1239	13	tool	tool	NOUN
cblr-2965	1239	14	for	for	ADP
cblr-2965	1239	15	comparing	compare	VERB
cblr-2965	1239	16	mutual	mutual	ADJ
cblr-2965	1239	17	funds	fund	NOUN
cblr-2965	1239	18	,	,	PUNCT
cblr-2965	1239	19	http://www.sec.gov/investor/tools/mfccmfccintsec.htm	http://www.sec.gov/investor/tools/mfccmfccintsec.htm	PROPN
cblr-2965	1239	20	(	(	PUNCT
cblr-2965	1239	21	last	last	ADV
cblr-2965	1239	22	visited	visit	VERB
cblr-2965	1239	23	dec	dec	PROPN
cblr-2965	1239	24	.	.	PROPN
cblr-2965	1239	25	3	3	NUM
cblr-2965	1239	26	,	,	PUNCT
cblr-2965	1239	27	2008	2008	NUM
cblr-2965	1239	28	)	)	PUNCT
cblr-2965	1239	29	.	.	PUNCT
cblr-2965	1240	1	312	312	NUM
cblr-2965	1240	2	enhanced	enhanced	ADJ
cblr-2965	1240	3	disclosure	disclosure	NOUN
cblr-2965	1240	4	and	and	CCONJ
cblr-2965	1240	5	new	new	ADJ
cblr-2965	1240	6	prospectus	prospectus	NOUN
cblr-2965	1240	7	delivery	delivery	NOUN
cblr-2965	1240	8	option	option	NOUN
cblr-2965	1240	9	for	for	ADP
cblr-2965	1240	10	registered	register	VERB
cblr-2965	1240	11	open	open	ADJ
cblr-2965	1240	12	-	-	PUNCT
cblr-2965	1240	13	end	end	NOUN
cblr-2965	1240	14	management	management	NOUN
cblr-2965	1240	15	investment	investment	NOUN
cblr-2965	1240	16	companies	company	NOUN
cblr-2965	1240	17	,	,	PUNCT
cblr-2965	1240	18	supra	supra	PROPN
cblr-2965	1240	19	note	note	NOUN
cblr-2965	1240	20	97	97	NUM
cblr-2965	1240	21	at	at	ADP
cblr-2965	1240	22	67,795	67,795	NUM
cblr-2965	1240	23	(	(	PUNCT
cblr-2965	1240	24	proposed	propose	VERB
cblr-2965	1240	25	nov	nov	PROPN
cblr-2965	1240	26	.	.	PROPN
cblr-2965	1240	27	30	30	NUM
cblr-2965	1240	28	,	,	PUNCT
cblr-2965	1240	29	2007	2007	NUM
cblr-2965	1240	30	)	)	PUNCT
cblr-2965	1240	31	.	.	PUNCT
cblr-2965	1241	1	"	"	PUNCT
cblr-2965	1241	2	'	'	PUNCT
cblr-2965	1241	3	recall	recall	VERB
cblr-2965	1241	4	that	that	SCONJ
cblr-2965	1241	5	it	it	PRON
cblr-2965	1241	6	changes	change	VERB
cblr-2965	1241	7	an	an	DET
cblr-2965	1241	8	explanatory	explanatory	ADJ
cblr-2965	1241	9	parenthetical	parenthetical	NOUN
cblr-2965	1241	10	that	that	PRON
cblr-2965	1241	11	follows	follow	VERB
cblr-2965	1241	12	the	the	DET
cblr-2965	1241	13	heading	head	VERB
cblr-2965	1241	14	"	"	PUNCT
cblr-2965	1241	15	annual	annual	ADJ
cblr-2965	1241	16	fund	fund	NOUN
cblr-2965	1241	17	operating	operating	NOUN
cblr-2965	1241	18	expenses	expense	NOUN
cblr-2965	1241	19	"	"	PUNCT
cblr-2965	1241	20	from	from	ADP
cblr-2965	1241	21	"	"	PUNCT
cblr-2965	1241	22	expenses	expense	NOUN
cblr-2965	1241	23	that	that	PRON
cblr-2965	1241	24	are	be	AUX
cblr-2965	1241	25	deducted	deduct	VERB
cblr-2965	1241	26	from	from	ADP
cblr-2965	1241	27	fund	fund	NOUN
cblr-2965	1241	28	assets	asset	NOUN
cblr-2965	1241	29	"	"	PUNCT
cblr-2965	1241	30	to	to	ADP
cblr-2965	1241	31	"	"	PUNCT
cblr-2965	1241	32	ongoing	ongoing	ADJ
cblr-2965	1241	33	expenses	expense	NOUN
cblr-2965	1241	34	that	that	PRON
cblr-2965	1241	35	you	you	PRON
cblr-2965	1241	36	pay	pay	VERB
cblr-2965	1241	37	each	each	DET
cblr-2965	1241	38	year	year	NOUN
cblr-2965	1241	39	as	as	ADP
cblr-2965	1241	40	a	a	DET
cblr-2965	1241	41	percentage	percentage	NOUN
cblr-2965	1241	42	of	of	ADP
cblr-2965	1241	43	the	the	DET
cblr-2965	1241	44	value	value	NOUN
cblr-2965	1241	45	of	of	ADP
cblr-2965	1241	46	your	your	PRON
cblr-2965	1241	47	investment	investment	NOUN
cblr-2965	1241	48	.	.	PUNCT
cblr-2965	1241	49	"	"	PUNCT
cblr-2965	1242	1	i	i	PRON
cblr-2965	1242	2	d.	d.	PROPN
cblr-2965	1242	3	314	314	NUM
cblr-2965	1243	1	i	i	PRON
cblr-2965	1243	2	d.	d.	PROPN
cblr-2965	1243	3	at	at	ADP
cblr-2965	1243	4	67,794	67,794	NUM
cblr-2965	1243	5	.	.	PUNCT
cblr-2965	1244	1	"	"	PUNCT
cblr-2965	1244	2	'	'	PUNCT
cblr-2965	1244	3	james	james	PROPN
cblr-2965	1244	4	d.	d.	PROPN
cblr-2965	1244	5	cox	cox	PROPN
cblr-2965	1244	6	&	&	CCONJ
cblr-2965	1244	7	john	john	PROPN
cblr-2965	1244	8	w.	w.	PROPN
cblr-2965	1244	9	payne	payne	PROPN
cblr-2965	1244	10	,	,	PUNCT
cblr-2965	1244	11	mutual	mutual	ADJ
cblr-2965	1244	12	fund	fund	NOUN
cblr-2965	1244	13	expense	expense	NOUN
cblr-2965	1244	14	disclosures	disclosure	NOUN
cblr-2965	1244	15	:	:	PUNCT
cblr-2965	1244	16	a	a	DET
cblr-2965	1244	17	behavioral	behavioral	ADJ
cblr-2965	1244	18	perspective	perspective	NOUN
cblr-2965	1244	19	,	,	PUNCT
cblr-2965	1244	20	83	83	NUM
cblr-2965	1244	21	wash	wash	NOUN
cblr-2965	1244	22	.	.	PUNCT
cblr-2965	1245	1	u.	u.	PROPN
cblr-2965	1245	2	l.q	l.q	PROPN
cblr-2965	1245	3	.	.	PROPN
cblr-2965	1245	4	907	907	NUM
cblr-2965	1245	5	,	,	PUNCT
cblr-2965	1245	6	936	936	NUM
cblr-2965	1245	7	-	-	SYM
cblr-2965	1245	8	37	37	NUM
cblr-2965	1245	9	(	(	PUNCT
cblr-2965	1245	10	2005	2005	NUM
cblr-2965	1245	11	)	)	PUNCT
cblr-2965	1245	12	.	.	PUNCT
cblr-2965	1246	1	316	316	NUM
cblr-2965	1246	2	i	i	PRON
cblr-2965	1246	3	d.	d.	NOUN
cblr-2965	1246	4	at	at	ADP
cblr-2965	1246	5	933	933	NUM
cblr-2965	1246	6	-	-	SYM
cblr-2965	1246	7	36	36	NUM
cblr-2965	1246	8	.	.	PUNCT
cblr-2965	1247	1	no	no	INTJ
cblr-2965	1247	2	.	.	PUNCT
cblr-2965	1248	1	3:934	3:934	X
cblr-2965	1248	2	]	]	X
cblr-2965	1248	3	columbia	columbia	PROPN
cblr-2965	1248	4	business	business	PROPN
cblr-2965	1248	5	la	la	PROPN
cblr-2965	1248	6	w	w	PROPN
cblr-2965	1248	7	review	review	PROPN
cblr-2965	1248	8	the	the	DET
cblr-2965	1248	9	mutual	mutual	ADJ
cblr-2965	1248	10	fund	fund	NOUN
cblr-2965	1248	11	industry	industry	NOUN
cblr-2965	1248	12	has	have	AUX
cblr-2965	1248	13	criticized	criticize	VERB
cblr-2965	1248	14	efforts	effort	NOUN
cblr-2965	1248	15	to	to	PART
cblr-2965	1248	16	require	require	VERB
cblr-2965	1248	17	comparable	comparable	ADJ
cblr-2965	1248	18	data	datum	NOUN
cblr-2965	1248	19	on	on	ADP
cblr-2965	1248	20	expense	expense	NOUN
cblr-2965	1248	21	ratios	ratio	NOUN
cblr-2965	1248	22	.	.	PUNCT
cblr-2965	1249	1	in	in	ADP
cblr-2965	1249	2	particular	particular	ADJ
cblr-2965	1249	3	,	,	PUNCT
cblr-2965	1249	4	the	the	DET
cblr-2965	1249	5	industry	industry	NOUN
cblr-2965	1249	6	has	have	AUX
cblr-2965	1249	7	argued	argue	VERB
cblr-2965	1249	8	that	that	SCONJ
cblr-2965	1249	9	it	it	PRON
cblr-2965	1249	10	is	be	AUX
cblr-2965	1249	11	difficult	difficult	ADJ
cblr-2965	1249	12	to	to	PART
cblr-2965	1249	13	determine	determine	VERB
cblr-2965	1249	14	which	which	DET
cblr-2965	1249	15	funds	fund	NOUN
cblr-2965	1249	16	are	be	AUX
cblr-2965	1249	17	comparable	comparable	ADJ
cblr-2965	1249	18	to	to	ADP
cblr-2965	1249	19	others	other	NOUN
cblr-2965	1249	20	.	.	PUNCT
cblr-2965	1250	1	17	17	NUM
cblr-2965	1251	1	but	but	CCONJ
cblr-2965	1251	2	the	the	DET
cblr-2965	1251	3	argument	argument	NOUN
cblr-2965	1251	4	is	be	AUX
cblr-2965	1251	5	a	a	DET
cblr-2965	1251	6	red	red	ADJ
cblr-2965	1251	7	herring	herring	NOUN
cblr-2965	1251	8	.	.	PUNCT
cblr-2965	1252	1	investors	investor	NOUN
cblr-2965	1252	2	choosing	choose	VERB
cblr-2965	1252	3	among	among	ADP
cblr-2965	1252	4	mutual	mutual	ADJ
cblr-2965	1252	5	funds	fund	NOUN
cblr-2965	1252	6	already	already	ADV
cblr-2965	1252	7	must	must	AUX
cblr-2965	1252	8	compare	compare	VERB
cblr-2965	1252	9	funds	fund	NOUN
cblr-2965	1252	10	.	.	PUNCT
cblr-2965	1253	1	the	the	DET
cblr-2965	1253	2	sec	sec	PROPN
cblr-2965	1253	3	or	or	CCONJ
cblr-2965	1253	4	mutual	mutual	ADJ
cblr-2965	1253	5	funds	fund	NOUN
cblr-2965	1253	6	themselves	themselves	PRON
cblr-2965	1253	7	are	be	AUX
cblr-2965	1253	8	unquestionably	unquestionably	ADV
cblr-2965	1253	9	better	well	ADV
cblr-2965	1253	10	able	able	ADJ
cblr-2965	1253	11	than	than	SCONJ
cblr-2965	1253	12	most	most	ADJ
cblr-2965	1253	13	investors	investor	NOUN
cblr-2965	1253	14	to	to	PART
cblr-2965	1253	15	determine	determine	VERB
cblr-2965	1253	16	which	which	DET
cblr-2965	1253	17	funds	fund	NOUN
cblr-2965	1253	18	are	be	AUX
cblr-2965	1253	19	comparable	comparable	ADJ
cblr-2965	1253	20	.	.	PUNCT
cblr-2965	1254	1	in	in	ADP
cblr-2965	1254	2	addition	addition	NOUN
cblr-2965	1254	3	,	,	PUNCT
cblr-2965	1254	4	mutual	mutual	ADJ
cblr-2965	1254	5	funds	fund	NOUN
cblr-2965	1254	6	already	already	ADV
cblr-2965	1254	7	must	must	AUX
cblr-2965	1254	8	make	make	VERB
cblr-2965	1254	9	comparability	comparability	NOUN
cblr-2965	1254	10	determinations	determination	NOUN
cblr-2965	1254	11	:	:	PUNCT
cblr-2965	1254	12	the	the	DET
cblr-2965	1254	13	prospectus	prospectus	NOUN
cblr-2965	1254	14	must	must	AUX
cblr-2965	1254	15	compare	compare	VERB
cblr-2965	1254	16	a	a	DET
cblr-2965	1254	17	fund	fund	NOUN
cblr-2965	1254	18	's	's	PART
cblr-2965	1254	19	historical	historical	ADJ
cblr-2965	1254	20	returns	return	NOUN
cblr-2965	1254	21	to	to	ADP
cblr-2965	1254	22	that	that	PRON
cblr-2965	1254	23	of	of	ADP
cblr-2965	1254	24	a	a	DET
cblr-2965	1254	25	relevant	relevant	ADJ
cblr-2965	1254	26	market	market	NOUN
cblr-2965	1254	27	index	index	NOUN
cblr-2965	1254	28	,	,	PUNCT
cblr-2965	1254	29	necessarily	necessarily	ADV
cblr-2965	1254	30	requiring	require	VERB
cblr-2965	1254	31	a	a	DET
cblr-2965	1254	32	comparability	comparability	NOUN
cblr-2965	1254	33	determination.1	determination.1	NOUN
cblr-2965	1254	34	nonetheless	nonetheless	ADV
cblr-2965	1254	35	,	,	PUNCT
cblr-2965	1254	36	leading	lead	VERB
cblr-2965	1254	37	a	a	DET
cblr-2965	1254	38	horse	horse	NOUN
cblr-2965	1254	39	to	to	ADP
cblr-2965	1254	40	water	water	NOUN
cblr-2965	1254	41	is	be	AUX
cblr-2965	1254	42	no	no	DET
cblr-2965	1254	43	assurance	assurance	NOUN
cblr-2965	1254	44	it	it	PRON
cblr-2965	1254	45	will	will	AUX
cblr-2965	1254	46	drink	drink	VERB
cblr-2965	1254	47	.	.	PUNCT
cblr-2965	1255	1	even	even	ADV
cblr-2965	1255	2	if	if	SCONJ
cblr-2965	1255	3	expense	expense	ADJ
cblr-2965	1255	4	information	information	NOUN
cblr-2965	1255	5	were	be	AUX
cblr-2965	1255	6	presented	present	VERB
cblr-2965	1255	7	on	on	ADP
cblr-2965	1255	8	a	a	DET
cblr-2965	1255	9	comparative	comparative	ADJ
cblr-2965	1255	10	basis	basis	NOUN
cblr-2965	1255	11	and	and	CCONJ
cblr-2965	1255	12	displayed	display	VERB
cblr-2965	1255	13	more	more	ADV
cblr-2965	1255	14	prominently	prominently	ADV
cblr-2965	1255	15	,	,	PUNCT
cblr-2965	1255	16	fund	fund	NOUN
cblr-2965	1255	17	investors	investor	NOUN
cblr-2965	1255	18	likely	likely	ADV
cblr-2965	1255	19	would	would	AUX
cblr-2965	1255	20	still	still	ADV
cblr-2965	1255	21	not	not	PART
cblr-2965	1255	22	give	give	VERB
cblr-2965	1255	23	it	it	PRON
cblr-2965	1255	24	sufficient	sufficient	ADJ
cblr-2965	1255	25	weight	weight	NOUN
cblr-2965	1255	26	given	give	VERB
cblr-2965	1255	27	their	their	PRON
cblr-2965	1255	28	obsession	obsession	NOUN
cblr-2965	1255	29	(	(	PUNCT
cblr-2965	1255	30	and	and	CCONJ
cblr-2965	1255	31	that	that	PRON
cblr-2965	1255	32	of	of	ADP
cblr-2965	1255	33	an	an	DET
cblr-2965	1255	34	obliging	obliging	ADJ
cblr-2965	1255	35	industry	industry	NOUN
cblr-2965	1255	36	)	)	PUNCT
cblr-2965	1255	37	with	with	ADP
cblr-2965	1255	38	past	past	ADJ
cblr-2965	1255	39	performance	performance	NOUN
cblr-2965	1255	40	.	.	PUNCT
cblr-2965	1256	1	if	if	SCONJ
cblr-2965	1256	2	investors	investor	NOUN
cblr-2965	1256	3	believe	believe	VERB
cblr-2965	1256	4	that	that	SCONJ
cblr-2965	1256	5	a	a	DET
cblr-2965	1256	6	strong	strong	ADV
cblr-2965	1256	7	-	-	PUNCT
cblr-2965	1256	8	performing	perform	VERB
cblr-2965	1256	9	fund	fund	NOUN
cblr-2965	1256	10	will	will	AUX
cblr-2965	1256	11	continue	continue	VERB
cblr-2965	1256	12	to	to	PART
cblr-2965	1256	13	outperform	outperform	VERB
cblr-2965	1256	14	other	other	ADJ
cblr-2965	1256	15	funds	fund	NOUN
cblr-2965	1256	16	,	,	PUNCT
cblr-2965	1256	17	expenses	expense	NOUN
cblr-2965	1256	18	become	become	VERB
cblr-2965	1256	19	much	much	ADV
cblr-2965	1256	20	less	less	ADV
cblr-2965	1256	21	important	important	ADJ
cblr-2965	1256	22	.	.	PUNCT
cblr-2965	1257	1	for	for	ADP
cblr-2965	1257	2	example	example	NOUN
cblr-2965	1257	3	,	,	PUNCT
cblr-2965	1257	4	if	if	SCONJ
cblr-2965	1257	5	investors	investor	NOUN
cblr-2965	1257	6	believe	believe	VERB
cblr-2965	1257	7	that	that	SCONJ
cblr-2965	1257	8	a	a	DET
cblr-2965	1257	9	particular	particular	ADJ
cblr-2965	1257	10	fund	fund	NOUN
cblr-2965	1257	11	,	,	PUNCT
cblr-2965	1257	12	given	give	VERB
cblr-2965	1257	13	its	its	PRON
cblr-2965	1257	14	past	past	ADJ
cblr-2965	1257	15	performance	performance	NOUN
cblr-2965	1257	16	,	,	PUNCT
cblr-2965	1257	17	will	will	AUX
cblr-2965	1257	18	outperform	outperform	VERB
cblr-2965	1257	19	comparable	comparable	ADJ
cblr-2965	1257	20	funds	fund	NOUN
cblr-2965	1257	21	even	even	ADV
cblr-2965	1257	22	by	by	ADP
cblr-2965	1257	23	only	only	ADV
cblr-2965	1257	24	2	2	NUM
cblr-2965	1257	25	%	%	NOUN
cblr-2965	1257	26	annually	annually	ADV
cblr-2965	1257	27	,	,	PUNCT
cblr-2965	1257	28	investors	investor	NOUN
cblr-2965	1257	29	would	would	AUX
cblr-2965	1257	30	buy	buy	VERB
cblr-2965	1257	31	that	that	DET
cblr-2965	1257	32	fund	fund	NOUN
cblr-2965	1257	33	even	even	ADV
cblr-2965	1257	34	if	if	SCONJ
cblr-2965	1257	35	it	it	PRON
cblr-2965	1257	36	has	have	VERB
cblr-2965	1257	37	a	a	DET
cblr-2965	1257	38	1	1	NUM
cblr-2965	1257	39	%	%	NOUN
cblr-2965	1257	40	higher	high	ADJ
cblr-2965	1257	41	expense	expense	NOUN
cblr-2965	1257	42	ratio	ratio	NOUN
cblr-2965	1257	43	than	than	ADP
cblr-2965	1257	44	its	its	PRON
cblr-2965	1257	45	peers	peer	NOUN
cblr-2965	1257	46	.	.	PUNCT
cblr-2965	1258	1	thus	thus	ADV
cblr-2965	1258	2	,	,	PUNCT
cblr-2965	1258	3	dissuading	dissuade	VERB
cblr-2965	1258	4	fund	fund	NOUN
cblr-2965	1258	5	investors	investor	NOUN
cblr-2965	1258	6	of	of	ADP
cblr-2965	1258	7	the	the	DET
cblr-2965	1258	8	persistence	persistence	NOUN
cblr-2965	1258	9	of	of	ADP
cblr-2965	1258	10	returns	return	NOUN
cblr-2965	1258	11	may	may	AUX
cblr-2965	1258	12	be	be	AUX
cblr-2965	1258	13	a	a	DET
cblr-2965	1258	14	key	key	NOUN
cblr-2965	1258	15	to	to	ADP
cblr-2965	1258	16	getting	get	VERB
cblr-2965	1258	17	them	they	PRON
cblr-2965	1258	18	to	to	PART
cblr-2965	1258	19	pay	pay	VERB
cblr-2965	1258	20	more	more	ADJ
cblr-2965	1258	21	attention	attention	NOUN
cblr-2965	1258	22	to	to	ADP
cblr-2965	1258	23	fund	fund	NOUN
cblr-2965	1258	24	expenses	expense	NOUN
cblr-2965	1258	25	.	.	PUNCT
cblr-2965	1259	1	19	19	NUM
cblr-2965	1259	2	317	317	NUM
cblr-2965	1259	3	gao	gao	ADJ
cblr-2965	1259	4	,	,	PUNCT
cblr-2965	1259	5	mutual	mutual	ADJ
cblr-2965	1259	6	fund	fund	NOUN
cblr-2965	1259	7	fees	fee	NOUN
cblr-2965	1259	8	,	,	PUNCT
cblr-2965	1259	9	supra	supra	PROPN
cblr-2965	1259	10	note	note	PROPN
cblr-2965	1259	11	68	68	NUM
cblr-2965	1259	12	,	,	PUNCT
cblr-2965	1259	13	at	at	ADP
cblr-2965	1259	14	81	81	NUM
cblr-2965	1259	15	(	(	PUNCT
cblr-2965	1259	16	noting	note	VERB
cblr-2965	1259	17	that	that	SCONJ
cblr-2965	1259	18	most	most	ADJ
cblr-2965	1259	19	industry	industry	NOUN
cblr-2965	1259	20	participants	participant	NOUN
cblr-2965	1259	21	interviewed	interview	VERB
cblr-2965	1259	22	by	by	ADP
cblr-2965	1259	23	the	the	DET
cblr-2965	1259	24	general	general	ADJ
cblr-2965	1259	25	accounting	accounting	NOUN
cblr-2965	1259	26	office	office	NOUN
cblr-2965	1259	27	raised	raise	VERB
cblr-2965	1259	28	such	such	ADJ
cblr-2965	1259	29	concerns	concern	NOUN
cblr-2965	1259	30	)	)	PUNCT
cblr-2965	1259	31	.	.	PUNCT
cblr-2965	1260	1	318	318	NUM
cblr-2965	1260	2	sec	sec	PROPN
cblr-2965	1260	3	form	form	NOUN
cblr-2965	1260	4	n-1a	n-1a	PROPN
cblr-2965	1260	5	,	,	PUNCT
cblr-2965	1260	6	supra	supra	PROPN
cblr-2965	1260	7	note	note	NOUN
cblr-2965	1260	8	74	74	NUM
cblr-2965	1260	9	,	,	PUNCT
cblr-2965	1260	10	at	at	ADP
cblr-2965	1260	11	10	10	NUM
cblr-2965	1260	12	-	-	SYM
cblr-2965	1260	13	11	11	NUM
cblr-2965	1260	14	.	.	PUNCT
cblr-2965	1261	1	319	319	NUM
cblr-2965	1261	2	gao	gao	ADJ
cblr-2965	1261	3	,	,	PUNCT
cblr-2965	1261	4	mutual	mutual	ADJ
cblr-2965	1261	5	fund	fund	NOUN
cblr-2965	1261	6	fees	fee	NOUN
cblr-2965	1261	7	,	,	PUNCT
cblr-2965	1261	8	supra	supra	PROPN
cblr-2965	1261	9	note	note	PROPN
cblr-2965	1261	10	68	68	NUM
cblr-2965	1261	11	,	,	PUNCT
cblr-2965	1261	12	at	at	ADP
cblr-2965	1261	13	7	7	NUM
cblr-2965	1261	14	(	(	PUNCT
cblr-2965	1261	15	"	"	PUNCT
cblr-2965	1261	16	[	[	X
cblr-2965	1261	17	clompetition	clompetition	NOUN
cblr-2965	1261	18	in	in	ADP
cblr-2965	1261	19	the	the	DET
cblr-2965	1261	20	mutual	mutual	ADJ
cblr-2965	1261	21	fund	fund	NOUN
cblr-2965	1261	22	industry	industry	NOUN
cblr-2965	1261	23	may	may	AUX
cblr-2965	1261	24	not	not	PART
cblr-2965	1261	25	be	be	AUX
cblr-2965	1261	26	strongly	strongly	ADV
cblr-2965	1261	27	influencing	influence	VERB
cblr-2965	1261	28	fee	fee	NOUN
cblr-2965	1261	29	levels	level	NOUN
cblr-2965	1261	30	because	because	SCONJ
cblr-2965	1261	31	fund	fund	NOUN
cblr-2965	1261	32	advisers	adviser	NOUN
cblr-2965	1261	33	generally	generally	ADV
cblr-2965	1261	34	compete	compete	VERB
cblr-2965	1261	35	on	on	ADP
cblr-2965	1261	36	the	the	DET
cblr-2965	1261	37	basis	basis	NOUN
cblr-2965	1261	38	of	of	ADP
cblr-2965	1261	39	performance	performance	NOUN
cblr-2965	1261	40	(	(	PUNCT
cblr-2965	1261	41	measured	measure	VERB
cblr-2965	1261	42	by	by	ADP
cblr-2965	1261	43	returns	return	NOUN
cblr-2965	1261	44	net	net	NOUN
cblr-2965	1261	45	of	of	ADP
cblr-2965	1261	46	fees	fee	NOUN
cblr-2965	1261	47	)	)	PUNCT
cblr-2965	1261	48	or	or	CCONJ
cblr-2965	1261	49	services	service	NOUN
cblr-2965	1261	50	provided	provide	VERB
cblr-2965	1261	51	rather	rather	ADV
cblr-2965	1261	52	than	than	ADP
cblr-2965	1261	53	on	on	ADP
cblr-2965	1261	54	the	the	DET
cblr-2965	1261	55	basis	basis	NOUN
cblr-2965	1261	56	of	of	ADP
cblr-2965	1261	57	the	the	DET
cblr-2965	1261	58	fees	fee	NOUN
cblr-2965	1261	59	they	they	PRON
cblr-2965	1261	60	charge	charge	VERB
cblr-2965	1261	61	.	.	PUNCT
cblr-2965	1261	62	"	"	PUNCT
cblr-2965	1261	63	)	)	PUNCT
cblr-2965	1261	64	.	.	PUNCT
cblr-2965	1262	1	[	[	X
cblr-2965	1262	2	vol	vol	NOUN
cblr-2965	1262	3	.	.	NOUN
cblr-2965	1262	4	2008	2008	NUM
cblr-2965	1262	5	mutual	mutual	ADJ
cblr-2965	1262	6	fund	fund	NOUN
cblr-2965	1262	7	investors	investor	NOUN
cblr-2965	1262	8	c.	c.	PROPN
cblr-2965	1262	9	encouraging	encourage	VERB
cblr-2965	1262	10	investors	investor	NOUN
cblr-2965	1262	11	to	to	PART
cblr-2965	1262	12	pay	pay	VERB
cblr-2965	1262	13	less	less	ADJ
cblr-2965	1262	14	attention	attention	NOUN
cblr-2965	1262	15	to	to	ADP
cblr-2965	1262	16	past	past	ADJ
cblr-2965	1262	17	performance	performance	NOUN
cblr-2965	1262	18	the	the	DET
cblr-2965	1262	19	sec	sec	PROPN
cblr-2965	1262	20	already	already	ADV
cblr-2965	1262	21	warns	warn	VERB
cblr-2965	1262	22	investors	investor	NOUN
cblr-2965	1262	23	to	to	PART
cblr-2965	1262	24	discount	discount	VERB
cblr-2965	1262	25	the	the	DET
cblr-2965	1262	26	predictive	predictive	ADJ
cblr-2965	1262	27	value	value	NOUN
cblr-2965	1262	28	of	of	ADP
cblr-2965	1262	29	past	past	ADJ
cblr-2965	1262	30	returns	return	NOUN
cblr-2965	1262	31	.	.	PUNCT
cblr-2965	1263	1	for	for	ADP
cblr-2965	1263	2	example	example	NOUN
cblr-2965	1263	3	,	,	PUNCT
cblr-2965	1263	4	performance	performance	NOUN
cblr-2965	1263	5	advertisements	advertisement	NOUN
cblr-2965	1263	6	must	must	AUX
cblr-2965	1263	7	include	include	VERB
cblr-2965	1263	8	a	a	DET
cblr-2965	1263	9	statement	statement	NOUN
cblr-2965	1263	10	conveying	convey	VERB
cblr-2965	1263	11	that	that	SCONJ
cblr-2965	1263	12	"	"	PUNCT
cblr-2965	1263	13	past	past	ADJ
cblr-2965	1263	14	performance	performance	NOUN
cblr-2965	1263	15	does	do	AUX
cblr-2965	1263	16	not	not	PART
cblr-2965	1263	17	guarantee	guarantee	VERB
cblr-2965	1263	18	future	future	ADJ
cblr-2965	1263	19	results	result	NOUN
cblr-2965	1263	20	[	[	X
cblr-2965	1263	21	and	and	CCONJ
cblr-2965	1263	22	]	]	X
cblr-2965	1263	23	current	current	ADJ
cblr-2965	1263	24	performance	performance	NOUN
cblr-2965	1263	25	may	may	AUX
cblr-2965	1263	26	be	be	AUX
cblr-2965	1263	27	lower	low	ADJ
cblr-2965	1263	28	or	or	CCONJ
cblr-2965	1263	29	higher	high	ADJ
cblr-2965	1263	30	than	than	ADP
cblr-2965	1263	31	the	the	DET
cblr-2965	1263	32	performance	performance	NOUN
cblr-2965	1263	33	data	datum	NOUN
cblr-2965	1263	34	quoted	quote	VERB
cblr-2965	1263	35	.	.	PUNCT
cblr-2965	1263	36	"320	"320	NOUN
cblr-2965	1263	37	also	also	ADV
cblr-2965	1263	38	,	,	PUNCT
cblr-2965	1263	39	the	the	DET
cblr-2965	1263	40	sec	sec	PROPN
cblr-2965	1263	41	's	's	PART
cblr-2965	1263	42	website	website	NOUN
cblr-2965	1263	43	warns	warn	VERB
cblr-2965	1263	44	investors	investor	NOUN
cblr-2965	1263	45	that	that	SCONJ
cblr-2965	1263	46	"	"	PUNCT
cblr-2965	1263	47	past	past	ADJ
cblr-2965	1263	48	performance	performance	NOUN
cblr-2965	1263	49	does	do	AUX
cblr-2965	1263	50	not	not	PART
cblr-2965	1263	51	necessarily	necessarily	ADV
cblr-2965	1263	52	predict	predict	VERB
cblr-2965	1263	53	future	future	ADJ
cblr-2965	1263	54	returns	return	NOUN
cblr-2965	1263	55	"	"	PUNCT
cblr-2965	1263	56	and	and	CCONJ
cblr-2965	1263	57	"	"	PUNCT
cblr-2965	1263	58	past	past	ADJ
cblr-2965	1263	59	performance	performance	NOUN
cblr-2965	1263	60	is	be	AUX
cblr-2965	1263	61	not	not	PART
cblr-2965	1263	62	as	as	ADV
cblr-2965	1263	63	important	important	ADJ
cblr-2965	1263	64	as	as	SCONJ
cblr-2965	1263	65	you	you	PRON
cblr-2965	1263	66	may	may	AUX
cblr-2965	1263	67	think	think	VERB
cblr-2965	1263	68	.	.	PUNCT
cblr-2965	1264	1	"321	"321	PROPN
cblr-2965	1265	1	yet	yet	ADV
cblr-2965	1265	2	the	the	DET
cblr-2965	1265	3	sec	sec	PROPN
cblr-2965	1265	4	's	's	PART
cblr-2965	1265	5	warnings	warning	NOUN
cblr-2965	1265	6	greatly	greatly	ADV
cblr-2965	1265	7	understate	understate	VERB
cblr-2965	1265	8	the	the	DET
cblr-2965	1265	9	dangers	danger	NOUN
cblr-2965	1265	10	of	of	ADP
cblr-2965	1265	11	relying	rely	VERB
cblr-2965	1265	12	on	on	ADP
cblr-2965	1265	13	past	past	ADJ
cblr-2965	1265	14	returns	return	NOUN
cblr-2965	1265	15	.	.	PUNCT
cblr-2965	1266	1	simply	simply	ADV
cblr-2965	1266	2	,	,	PUNCT
cblr-2965	1266	3	there	there	PRON
cblr-2965	1266	4	is	be	VERB
cblr-2965	1266	5	little	little	ADJ
cblr-2965	1266	6	evidence	evidence	NOUN
cblr-2965	1266	7	that	that	SCONJ
cblr-2965	1266	8	high	high	ADJ
cblr-2965	1266	9	past	past	ADJ
cblr-2965	1266	10	returns	return	NOUN
cblr-2965	1266	11	predict	predict	VERB
cblr-2965	1266	12	high	high	ADJ
cblr-2965	1266	13	future	future	ADJ
cblr-2965	1266	14	returns	return	NOUN
cblr-2965	1266	15	.	.	PUNCT
cblr-2965	1267	1	22	22	NUM
cblr-2965	1268	1	thus	thus	ADV
cblr-2965	1268	2	,	,	PUNCT
cblr-2965	1268	3	warnings	warning	NOUN
cblr-2965	1268	4	such	such	ADJ
cblr-2965	1268	5	as	as	ADP
cblr-2965	1268	6	"	"	PUNCT
cblr-2965	1268	7	past	past	ADJ
cblr-2965	1268	8	performance	performance	NOUN
cblr-2965	1268	9	does	do	AUX
cblr-2965	1268	10	not	not	PART
cblr-2965	1268	11	guarantee	guarantee	VERB
cblr-2965	1268	12	future	future	ADJ
cblr-2965	1268	13	results	result	NOUN
cblr-2965	1268	14	"	"	PUNCT
cblr-2965	1268	15	are	be	AUX
cblr-2965	1268	16	actually	actually	ADV
cblr-2965	1268	17	misleading	misleading	ADJ
cblr-2965	1268	18	.	.	PUNCT
cblr-2965	1269	1	investors	investor	NOUN
cblr-2965	1269	2	need	need	VERB
cblr-2965	1269	3	to	to	PART
cblr-2965	1269	4	understand	understand	VERB
cblr-2965	1269	5	not	not	PART
cblr-2965	1269	6	that	that	SCONJ
cblr-2965	1269	7	a	a	DET
cblr-2965	1269	8	fund	fund	NOUN
cblr-2965	1269	9	's	's	PART
cblr-2965	1269	10	past	past	ADJ
cblr-2965	1269	11	returns	return	NOUN
cblr-2965	1269	12	do	do	AUX
cblr-2965	1269	13	not	not	PART
cblr-2965	1269	14	guarantee	guarantee	VERB
cblr-2965	1269	15	future	future	ADJ
cblr-2965	1269	16	results	result	NOUN
cblr-2965	1269	17	,	,	PUNCT
cblr-2965	1269	18	but	but	CCONJ
cblr-2965	1269	19	that	that	SCONJ
cblr-2965	1269	20	past	past	ADJ
cblr-2965	1269	21	returns	return	NOUN
cblr-2965	1269	22	are	be	AUX
cblr-2965	1269	23	not	not	PART
cblr-2965	1269	24	a	a	DET
cblr-2965	1269	25	very	very	ADV
cblr-2965	1269	26	useful	useful	ADJ
cblr-2965	1269	27	fund	fund	NOUN
cblr-2965	1269	28	selection	selection	NOUN
cblr-2965	1269	29	criterion	criterion	NOUN
cblr-2965	1269	30	at	at	ADV
cblr-2965	1269	31	all	all	ADV
cblr-2965	1269	32	.	.	PUNCT
cblr-2965	1270	1	the	the	DET
cblr-2965	1270	2	sec	sec	PROPN
cblr-2965	1270	3	does	do	AUX
cblr-2965	1270	4	not	not	PART
cblr-2965	1270	5	come	come	VERB
cblr-2965	1270	6	close	close	ADV
cblr-2965	1270	7	to	to	ADP
cblr-2965	1270	8	conveying	convey	VERB
cblr-2965	1270	9	this	this	PRON
cblr-2965	1270	10	.	.	PUNCT
cblr-2965	1271	1	in	in	ADP
cblr-2965	1271	2	addition	addition	NOUN
cblr-2965	1271	3	,	,	PUNCT
cblr-2965	1271	4	the	the	DET
cblr-2965	1271	5	other	other	ADJ
cblr-2965	1271	6	sec	sec	PROPN
cblr-2965	1271	7	requirements	requirement	NOUN
cblr-2965	1271	8	undermine	undermine	VERB
cblr-2965	1271	9	even	even	ADV
cblr-2965	1271	10	its	its	PRON
cblr-2965	1271	11	understated	understated	ADJ
cblr-2965	1271	12	warnings	warning	NOUN
cblr-2965	1271	13	about	about	ADP
cblr-2965	1271	14	relying	rely	VERB
cblr-2965	1271	15	on	on	ADP
cblr-2965	1271	16	past	past	ADJ
cblr-2965	1271	17	returns	return	NOUN
cblr-2965	1271	18	.	.	PUNCT
cblr-2965	1272	1	for	for	ADP
cblr-2965	1272	2	example	example	NOUN
cblr-2965	1272	3	,	,	PUNCT
cblr-2965	1272	4	performance	performance	NOUN
cblr-2965	1272	5	advertisements	advertisement	NOUN
cblr-2965	1272	6	must	must	AUX
cblr-2965	1272	7	also	also	ADV
cblr-2965	1272	8	include	include	VERB
cblr-2965	1272	9	a	a	DET
cblr-2965	1272	10	"	"	PUNCT
cblr-2965	1272	11	toll	toll	NOUN
cblr-2965	1272	12	-	-	PUNCT
cblr-2965	1272	13	free	free	ADJ
cblr-2965	1272	14	or	or	CCONJ
cblr-2965	1272	15	collect	collect	VERB
cblr-2965	1272	16	telephone	telephone	NOUN
cblr-2965	1272	17	number	number	NOUN
cblr-2965	1272	18	or	or	CCONJ
cblr-2965	1272	19	a	a	DET
cblr-2965	1272	20	website	website	NOUN
cblr-2965	1272	21	where	where	SCONJ
cblr-2965	1272	22	an	an	DET
cblr-2965	1272	23	investor	investor	NOUN
cblr-2965	1272	24	may	may	AUX
cblr-2965	1272	25	obtain	obtain	VERB
cblr-2965	1272	26	performance	performance	NOUN
cblr-2965	1272	27	data	datum	NOUN
cblr-2965	1272	28	current	current	ADJ
cblr-2965	1272	29	to	to	ADP
cblr-2965	1272	30	the	the	DET
cblr-2965	1272	31	most	most	ADV
cblr-2965	1272	32	recent	recent	ADJ
cblr-2965	1272	33	month	month	NOUN
cblr-2965	1272	34	-	-	PUNCT
cblr-2965	1272	35	end	end	NOUN
cblr-2965	1272	36	.	.	PUNCT
cblr-2965	1273	1	"32	"32	PROPN
cblr-2965	1273	2	3	3	NUM
cblr-2965	1273	3	although	although	SCONJ
cblr-2965	1273	4	this	this	DET
cblr-2965	1273	5	requirement	requirement	NOUN
cblr-2965	1273	6	seeks	seek	VERB
cblr-2965	1273	7	to	to	PART
cblr-2965	1273	8	ensure	ensure	VERB
cblr-2965	1273	9	that	that	SCONJ
cblr-2965	1273	10	investors	investor	NOUN
cblr-2965	1273	11	do	do	AUX
cblr-2965	1273	12	not	not	PART
cblr-2965	1273	13	buy	buy	VERB
cblr-2965	1273	14	a	a	DET
cblr-2965	1273	15	fund	fund	NOUN
cblr-2965	1273	16	based	base	VERB
cblr-2965	1273	17	on	on	ADP
cblr-2965	1273	18	stale	stale	ADJ
cblr-2965	1273	19	performance	performance	NOUN
cblr-2965	1273	20	data,324	data,324	PROPN
cblr-2965	1273	21	it	it	PRON
cblr-2965	1273	22	also	also	ADV
cblr-2965	1273	23	sends	send	VERB
cblr-2965	1273	24	the	the	DET
cblr-2965	1273	25	implicit	implicit	ADJ
cblr-2965	1273	26	message	message	NOUN
cblr-2965	1273	27	that	that	SCONJ
cblr-2965	1273	28	320	320	NUM
cblr-2965	1273	29	17	17	NUM
cblr-2965	1273	30	c.f.r	c.f.r	NOUN
cblr-2965	1273	31	.	.	PUNCT
cblr-2965	1274	1	§	§	PROPN
cblr-2965	1274	2	230.482(b)(3)(i	230.482(b)(3)(i	NUM
cblr-2965	1274	3	)	)	PUNCT
cblr-2965	1274	4	(	(	PUNCT
cblr-2965	1274	5	2008	2008	NUM
cblr-2965	1274	6	)	)	PUNCT
cblr-2965	1274	7	.	.	PUNCT
cblr-2965	1275	1	321	321	NUM
cblr-2965	1275	2	sec	sec	PROPN
cblr-2965	1275	3	,	,	PUNCT
cblr-2965	1275	4	look	look	VERB
cblr-2965	1275	5	at	at	ADP
cblr-2965	1275	6	more	more	ADJ
cblr-2965	1275	7	,	,	PUNCT
cblr-2965	1275	8	supra	supra	PROPN
cblr-2965	1275	9	note	note	PROPN
cblr-2965	1275	10	138	138	NUM
cblr-2965	1275	11	.	.	PUNCT
cblr-2965	1276	1	322	322	NUM
cblr-2965	1276	2	see	see	VERB
cblr-2965	1276	3	supra	supra	PROPN
cblr-2965	1276	4	pp	pp	PROPN
cblr-2965	1276	5	.	.	PUNCT
cblr-2965	1277	1	996	996	NUM
cblr-2965	1277	2	-	-	SYM
cblr-2965	1277	3	97	97	NUM
cblr-2965	1277	4	.	.	NOUN
cblr-2965	1277	5	323	323	NUM
cblr-2965	1277	6	17	17	NUM
cblr-2965	1277	7	c.f.r	c.f.r	NOUN
cblr-2965	1277	8	.	.	PUNCT
cblr-2965	1278	1	§	§	PROPN
cblr-2965	1278	2	230.482(b)(3)(i	230.482(b)(3)(i	NUM
cblr-2965	1278	3	)	)	PUNCT
cblr-2965	1278	4	(	(	PUNCT
cblr-2965	1278	5	2008	2008	NUM
cblr-2965	1278	6	)	)	PUNCT
cblr-2965	1278	7	.	.	PUNCT
cblr-2965	1279	1	324	324	NUM
cblr-2965	1279	2	the	the	DET
cblr-2965	1279	3	sec	sec	PROPN
cblr-2965	1279	4	explained	explain	VERB
cblr-2965	1279	5	that	that	SCONJ
cblr-2965	1279	6	it	it	PRON
cblr-2965	1279	7	was	be	AUX
cblr-2965	1279	8	adopting	adopt	VERB
cblr-2965	1279	9	this	this	DET
cblr-2965	1279	10	requirement	requirement	NOUN
cblr-2965	1279	11	so	so	SCONJ
cblr-2965	1279	12	that	that	SCONJ
cblr-2965	1279	13	"	"	PUNCT
cblr-2965	1279	14	investors	investor	NOUN
cblr-2965	1279	15	who	who	PRON
cblr-2965	1279	16	are	be	AUX
cblr-2965	1279	17	provided	provide	VERB
cblr-2965	1279	18	advertisements	advertisement	NOUN
cblr-2965	1279	19	highlighting	highlight	VERB
cblr-2965	1279	20	a	a	DET
cblr-2965	1279	21	fund	fund	NOUN
cblr-2965	1279	22	's	's	PART
cblr-2965	1279	23	performance	performance	NOUN
cblr-2965	1279	24	[	[	X
cblr-2965	1279	25	will	will	AUX
cblr-2965	1279	26	]	]	PUNCT
cblr-2965	1279	27	have	have	VERB
cblr-2965	1279	28	ready	ready	ADJ
cblr-2965	1279	29	access	access	NOUN
cblr-2965	1279	30	to	to	ADP
cblr-2965	1279	31	performance	performance	NOUN
cblr-2965	1279	32	data	datum	NOUN
cblr-2965	1279	33	that	that	PRON
cblr-2965	1279	34	is	be	AUX
cblr-2965	1279	35	current	current	ADJ
cblr-2965	1279	36	to	to	ADP
cblr-2965	1279	37	the	the	DET
cblr-2965	1279	38	most	most	ADV
cblr-2965	1279	39	recent	recent	ADJ
cblr-2965	1279	40	month	month	NOUN
cblr-2965	1279	41	-	-	PUNCT
cblr-2965	1279	42	end	end	NOUN
cblr-2965	1279	43	and	and	CCONJ
cblr-2965	1279	44	will	will	AUX
cblr-2965	1279	45	not	not	PART
cblr-2965	1279	46	be	be	AUX
cblr-2965	1279	47	forced	force	VERB
cblr-2965	1279	48	to	to	PART
cblr-2965	1279	49	rely	rely	VERB
cblr-2965	1279	50	on	on	ADP
cblr-2965	1279	51	performance	performance	NOUN
cblr-2965	1279	52	data	datum	NOUN
cblr-2965	1279	53	that	that	PRON
cblr-2965	1279	54	may	may	AUX
cblr-2965	1279	55	be	be	AUX
cblr-2965	1279	56	more	more	ADJ
cblr-2965	1279	57	than	than	ADP
cblr-2965	1279	58	three	three	NUM
cblr-2965	1279	59	months	month	NOUN
cblr-2965	1279	60	old	old	ADJ
cblr-2965	1279	61	at	at	ADP
cblr-2965	1279	62	the	the	DET
cblr-2965	1279	63	time	time	NOUN
cblr-2965	1279	64	of	of	ADP
cblr-2965	1279	65	use	use	NOUN
cblr-2965	1279	66	by	by	ADP
cblr-2965	1279	67	the	the	DET
cblr-2965	1279	68	investor	investor	NOUN
cblr-2965	1279	69	.	.	PUNCT
cblr-2965	1279	70	"	"	PUNCT
cblr-2965	1280	1	amendments	amendment	NOUN
cblr-2965	1280	2	to	to	ADP
cblr-2965	1280	3	investment	investment	NOUN
cblr-2965	1280	4	company	company	NOUN
cblr-2965	1280	5	advertising	advertising	NOUN
cblr-2965	1280	6	rules	rule	NOUN
cblr-2965	1280	7	,	,	PUNCT
cblr-2965	1280	8	68	68	NUM
cblr-2965	1280	9	fed	feed	VERB
cblr-2965	1280	10	.	.	PUNCT
cblr-2965	1281	1	reg	reg	PROPN
cblr-2965	1281	2	.	.	PUNCT
cblr-2965	1282	1	57,760	57,760	NUM
cblr-2965	1282	2	,	,	PUNCT
cblr-2965	1282	3	57,763	57,763	NUM
cblr-2965	1282	4	(	(	PUNCT
cblr-2965	1282	5	oct	oct	PROPN
cblr-2965	1282	6	.	.	PROPN
cblr-2965	1282	7	6	6	NUM
cblr-2965	1282	8	,	,	PUNCT
cblr-2965	1282	9	2003	2003	NUM
cblr-2965	1282	10	)	)	PUNCT
cblr-2965	1282	11	.	.	PUNCT
cblr-2965	1283	1	no	no	INTJ
cblr-2965	1283	2	.	.	PUNCT
cblr-2965	1284	1	3:934	3:934	X
cblr-2965	1284	2	]	]	X
cblr-2965	1284	3	the	the	DET
cblr-2965	1284	4	fund	fund	NOUN
cblr-2965	1284	5	's	's	PART
cblr-2965	1284	6	most	most	ADV
cblr-2965	1284	7	recent	recent	ADJ
cblr-2965	1284	8	performance	performance	NOUN
cblr-2965	1284	9	is	be	AUX
cblr-2965	1284	10	important	important	ADJ
cblr-2965	1284	11	in	in	ADP
cblr-2965	1284	12	choosing	choose	VERB
cblr-2965	1284	13	a	a	DET
cblr-2965	1284	14	fund	fund	NOUN
cblr-2965	1284	15	.	.	PUNCT
cblr-2965	1285	1	thus	thus	ADV
cblr-2965	1285	2	,	,	PUNCT
cblr-2965	1285	3	the	the	DET
cblr-2965	1285	4	sec	sec	PROPN
cblr-2965	1285	5	is	be	AUX
cblr-2965	1285	6	throwing	throw	VERB
cblr-2965	1285	7	fuel	fuel	NOUN
cblr-2965	1285	8	on	on	ADP
cblr-2965	1285	9	the	the	DET
cblr-2965	1285	10	returnschasing	returnschase	VERB
cblr-2965	1285	11	fire	fire	NOUN
cblr-2965	1285	12	.	.	PUNCT
cblr-2965	1286	1	the	the	DET
cblr-2965	1286	2	problem	problem	NOUN
cblr-2965	1286	3	of	of	ADP
cblr-2965	1286	4	investors	investor	NOUN
cblr-2965	1286	5	chasing	chase	VERB
cblr-2965	1286	6	past	past	ADJ
cblr-2965	1286	7	returns	return	NOUN
cblr-2965	1286	8	is	be	AUX
cblr-2965	1286	9	further	far	ADV
cblr-2965	1286	10	exacerbated	exacerbate	VERB
cblr-2965	1286	11	by	by	ADP
cblr-2965	1286	12	the	the	DET
cblr-2965	1286	13	way	way	NOUN
cblr-2965	1286	14	mutual	mutual	ADJ
cblr-2965	1286	15	funds	fund	NOUN
cblr-2965	1286	16	,	,	PUNCT
cblr-2965	1286	17	fund	fund	NOUN
cblr-2965	1286	18	advisers	adviser	NOUN
cblr-2965	1286	19	,	,	PUNCT
cblr-2965	1286	20	and	and	CCONJ
cblr-2965	1286	21	financial	financial	ADJ
cblr-2965	1286	22	publications	publication	NOUN
cblr-2965	1286	23	pander	pander	VERB
cblr-2965	1286	24	to	to	ADP
cblr-2965	1286	25	this	this	DET
cblr-2965	1286	26	tendency	tendency	NOUN
cblr-2965	1286	27	.	.	PUNCT
cblr-2965	1287	1	fund	fund	NOUN
cblr-2965	1287	2	advisers	adviser	NOUN
cblr-2965	1287	3	and	and	CCONJ
cblr-2965	1287	4	fund	fund	NOUN
cblr-2965	1287	5	performance	performance	NOUN
cblr-2965	1287	6	rankings	ranking	NOUN
cblr-2965	1287	7	encourage	encourage	VERB
cblr-2965	1287	8	investors	investor	NOUN
cblr-2965	1287	9	to	to	PART
cblr-2965	1287	10	focus	focus	VERB
cblr-2965	1287	11	on	on	ADP
cblr-2965	1287	12	a	a	DET
cblr-2965	1287	13	fund	fund	NOUN
cblr-2965	1287	14	's	's	PART
cblr-2965	1287	15	past	past	ADJ
cblr-2965	1287	16	performance	performance	NOUN
cblr-2965	1287	17	.	.	PUNCT
cblr-2965	1288	1	indeed	indeed	ADV
cblr-2965	1288	2	,	,	PUNCT
cblr-2965	1288	3	fund	fund	NOUN
cblr-2965	1288	4	investors	investor	NOUN
cblr-2965	1288	5	in	in	ADP
cblr-2965	1288	6	capon	capon	NOUN
cblr-2965	1288	7	,	,	PUNCT
cblr-2965	1288	8	fitzsimons	fitzsimon	NOUN
cblr-2965	1288	9	and	and	CCONJ
cblr-2965	1288	10	prince	prince	PROPN
cblr-2965	1288	11	's	's	PART
cblr-2965	1288	12	survey	survey	NOUN
cblr-2965	1288	13	said	say	VERB
cblr-2965	1288	14	that	that	SCONJ
cblr-2965	1288	15	published	publish	VERB
cblr-2965	1288	16	performance	performance	NOUN
cblr-2965	1288	17	rankings	ranking	NOUN
cblr-2965	1288	18	are	be	AUX
cblr-2965	1288	19	their	their	PRON
cblr-2965	1288	20	most	most	ADV
cblr-2965	1288	21	important	important	ADJ
cblr-2965	1288	22	information	information	NOUN
cblr-2965	1288	23	source3	source3	NOUN
cblr-2965	1288	24	25	25	NUM
cblr-2965	1288	25	and	and	CCONJ
cblr-2965	1288	26	that	that	SCONJ
cblr-2965	1288	27	a	a	DET
cblr-2965	1288	28	fund	fund	NOUN
cblr-2965	1288	29	's	's	PART
cblr-2965	1288	30	"	"	PUNCT
cblr-2965	1288	31	investment	investment	NOUN
cblr-2965	1288	32	performance	performance	NOUN
cblr-2965	1288	33	track	track	NOUN
cblr-2965	1288	34	record	record	NOUN
cblr-2965	1288	35	"	"	PUNCT
cblr-2965	1288	36	is	be	AUX
cblr-2965	1288	37	their	their	PRON
cblr-2965	1288	38	most	most	ADV
cblr-2965	1288	39	important	important	ADJ
cblr-2965	1288	40	selection	selection	NOUN
cblr-2965	1288	41	criterion.326	criterion.326	NOUN
cblr-2965	1288	42	d.	d.	NOUN
cblr-2965	1288	43	having	have	VERB
cblr-2965	1288	44	the	the	DET
cblr-2965	1288	45	sec	sec	PROPN
cblr-2965	1288	46	pay	pay	VERB
cblr-2965	1288	47	attention	attention	NOUN
cblr-2965	1288	48	to	to	ADP
cblr-2965	1288	49	the	the	DET
cblr-2965	1288	50	academic	academic	ADJ
cblr-2965	1288	51	literature	literature	PROPN
cblr-2965	1288	52	the	the	DET
cblr-2965	1288	53	sec	sec	PROPN
cblr-2965	1288	54	's	's	PART
cblr-2965	1288	55	current	current	ADJ
cblr-2965	1288	56	disclosure	disclosure	NOUN
cblr-2965	1288	57	-	-	PUNCT
cblr-2965	1288	58	based	base	VERB
cblr-2965	1288	59	regime	regime	NOUN
cblr-2965	1288	60	is	be	AUX
cblr-2965	1288	61	unlikely	unlikely	ADJ
cblr-2965	1288	62	to	to	PART
cblr-2965	1288	63	result	result	VERB
cblr-2965	1288	64	in	in	ADP
cblr-2965	1288	65	fund	fund	NOUN
cblr-2965	1288	66	investors	investor	NOUN
cblr-2965	1288	67	imposing	impose	VERB
cblr-2965	1288	68	a	a	DET
cblr-2965	1288	69	strong	strong	ADJ
cblr-2965	1288	70	market	market	NOUN
cblr-2965	1288	71	discipline	discipline	NOUN
cblr-2965	1288	72	on	on	ADP
cblr-2965	1288	73	fund	fund	NOUN
cblr-2965	1288	74	management	management	NOUN
cblr-2965	1288	75	companies	company	NOUN
cblr-2965	1288	76	.	.	PUNCT
cblr-2965	1289	1	the	the	DET
cblr-2965	1289	2	agency	agency	NOUN
cblr-2965	1289	3	's	's	PART
cblr-2965	1289	4	implicit	implicit	ADJ
cblr-2965	1289	5	and	and	CCONJ
cblr-2965	1289	6	explicit	explicit	ADJ
cblr-2965	1289	7	assumptions	assumption	NOUN
cblr-2965	1289	8	about	about	ADP
cblr-2965	1289	9	fund	fund	NOUN
cblr-2965	1289	10	investors	investor	NOUN
cblr-2965	1289	11	are	be	AUX
cblr-2965	1289	12	unrealistic	unrealistic	ADJ
cblr-2965	1289	13	,	,	PUNCT
cblr-2965	1289	14	given	give	VERB
cblr-2965	1289	15	the	the	DET
cblr-2965	1289	16	realities	reality	NOUN
cblr-2965	1289	17	of	of	ADP
cblr-2965	1289	18	fund	fund	NOUN
cblr-2965	1289	19	investor	investor	NOUN
cblr-2965	1289	20	behavior	behavior	NOUN
cblr-2965	1289	21	documented	document	VERB
cblr-2965	1289	22	by	by	ADP
cblr-2965	1289	23	an	an	DET
cblr-2965	1289	24	extensive	extensive	ADJ
cblr-2965	1289	25	academic	academic	ADJ
cblr-2965	1289	26	literature	literature	NOUN
cblr-2965	1289	27	.	.	PUNCT
cblr-2965	1290	1	to	to	ADP
cblr-2965	1290	2	date	date	NOUN
cblr-2965	1290	3	,	,	PUNCT
cblr-2965	1290	4	the	the	DET
cblr-2965	1290	5	sec	sec	PROPN
cblr-2965	1290	6	essentially	essentially	ADV
cblr-2965	1290	7	ignores	ignore	VERB
cblr-2965	1290	8	this	this	DET
cblr-2965	1290	9	literature	literature	NOUN
cblr-2965	1290	10	in	in	ADP
cblr-2965	1290	11	formulating	formulate	VERB
cblr-2965	1290	12	its	its	PRON
cblr-2965	1290	13	regulation	regulation	NOUN
cblr-2965	1290	14	of	of	ADP
cblr-2965	1290	15	the	the	DET
cblr-2965	1290	16	industry	industry	NOUN
cblr-2965	1290	17	.	.	PUNCT
cblr-2965	1291	1	the	the	DET
cblr-2965	1291	2	extent	extent	NOUN
cblr-2965	1291	3	to	to	PART
cblr-2965	1291	4	which	which	PRON
cblr-2965	1291	5	the	the	DET
cblr-2965	1291	6	sec	sec	PROPN
cblr-2965	1291	7	disregards	disregard	VERB
cblr-2965	1291	8	this	this	DET
cblr-2965	1291	9	academic	academic	ADJ
cblr-2965	1291	10	research	research	NOUN
cblr-2965	1291	11	is	be	AUX
cblr-2965	1291	12	evident	evident	ADJ
cblr-2965	1291	13	from	from	ADP
cblr-2965	1291	14	the	the	DET
cblr-2965	1291	15	sec	sec	PROPN
cblr-2965	1291	16	's	's	PART
cblr-2965	1291	17	rulemaking	rulemaking	NOUN
cblr-2965	1291	18	releases	release	NOUN
cblr-2965	1291	19	,	,	PUNCT
cblr-2965	1291	20	which	which	PRON
cblr-2965	1291	21	contain	contain	VERB
cblr-2965	1291	22	the	the	DET
cblr-2965	1291	23	agency	agency	NOUN
cblr-2965	1291	24	's	's	PART
cblr-2965	1291	25	explanations	explanation	NOUN
cblr-2965	1291	26	of	of	ADP
cblr-2965	1291	27	,	,	PUNCT
cblr-2965	1291	28	and	and	CCONJ
cblr-2965	1291	29	rationales	rationale	NOUN
cblr-2965	1291	30	for	for	ADP
cblr-2965	1291	31	,	,	PUNCT
cblr-2965	1291	32	its	its	PRON
cblr-2965	1291	33	rule	rule	NOUN
cblr-2965	1291	34	proposals	proposal	NOUN
cblr-2965	1291	35	.	.	PUNCT
cblr-2965	1292	1	in	in	ADP
cblr-2965	1292	2	these	these	DET
cblr-2965	1292	3	releases	release	NOUN
cblr-2965	1292	4	,	,	PUNCT
cblr-2965	1292	5	the	the	DET
cblr-2965	1292	6	sec	sec	PROPN
cblr-2965	1292	7	often	often	ADV
cblr-2965	1292	8	cites	cite	VERB
cblr-2965	1292	9	to	to	ADP
cblr-2965	1292	10	outside	outside	ADJ
cblr-2965	1292	11	sources	source	NOUN
cblr-2965	1292	12	.	.	PUNCT
cblr-2965	1293	1	we	we	PRON
cblr-2965	1293	2	identified	identify	VERB
cblr-2965	1293	3	five	five	NUM
cblr-2965	1293	4	times	time	NOUN
cblr-2965	1293	5	that	that	SCONJ
cblr-2965	1293	6	the	the	DET
cblr-2965	1293	7	sec	sec	PROPN
cblr-2965	1293	8	has	have	AUX
cblr-2965	1293	9	recently	recently	ADV
cblr-2965	1293	10	amended	amend	VERB
cblr-2965	1293	11	rules	rule	NOUN
cblr-2965	1293	12	regarding	regard	VERB
cblr-2965	1293	13	information	information	NOUN
cblr-2965	1293	14	that	that	PRON
cblr-2965	1293	15	mutual	mutual	ADJ
cblr-2965	1293	16	funds	fund	NOUN
cblr-2965	1293	17	must	must	AUX
cblr-2965	1293	18	disclose	disclose	VERB
cblr-2965	1293	19	to	to	ADP
cblr-2965	1293	20	current	current	ADJ
cblr-2965	1293	21	or	or	CCONJ
cblr-2965	1293	22	potential	potential	ADJ
cblr-2965	1293	23	investors	investor	NOUN
cblr-2965	1293	24	.	.	PUNCT
cblr-2965	1294	1	table	table	NOUN
cblr-2965	1294	2	1	1	NUM
cblr-2965	1294	3	identifies	identify	VERB
cblr-2965	1294	4	the	the	DET
cblr-2965	1294	5	sources	source	NOUN
cblr-2965	1294	6	cited	cite	VERB
cblr-2965	1294	7	by	by	ADP
cblr-2965	1294	8	the	the	DET
cblr-2965	1294	9	sec	sec	PROPN
cblr-2965	1294	10	as	as	ADP
cblr-2965	1294	11	possible	possible	ADJ
cblr-2965	1294	12	evidence	evidence	NOUN
cblr-2965	1294	13	of	of	ADP
cblr-2965	1294	14	investor	investor	NOUN
cblr-2965	1294	15	behavior	behavior	NOUN
cblr-2965	1294	16	or	or	CCONJ
cblr-2965	1294	17	information	information	NOUN
cblr-2965	1294	18	needs	need	VERB
cblr-2965	1294	19	in	in	ADP
cblr-2965	1294	20	its	its	PRON
cblr-2965	1294	21	releases	release	NOUN
cblr-2965	1294	22	accompanying	accompany	VERB
cblr-2965	1294	23	these	these	DET
cblr-2965	1294	24	amendments	amendment	NOUN
cblr-2965	1294	25	,	,	PUNCT
cblr-2965	1294	26	and	and	CCONJ
cblr-2965	1294	27	the	the	DET
cblr-2965	1294	28	number	number	NOUN
cblr-2965	1294	29	of	of	ADP
cblr-2965	1294	30	times	time	NOUN
cblr-2965	1294	31	the	the	DET
cblr-2965	1294	32	sec	sec	PROPN
cblr-2965	1294	33	cited	cite	VERB
cblr-2965	1294	34	to	to	ADP
cblr-2965	1294	35	each	each	DET
cblr-2965	1294	36	source	source	NOUN
cblr-2965	1294	37	.	.	PUNCT
cblr-2965	1295	1	as	as	SCONJ
cblr-2965	1295	2	shown	show	VERB
cblr-2965	1295	3	in	in	ADP
cblr-2965	1295	4	table	table	NOUN
cblr-2965	1295	5	1	1	NUM
cblr-2965	1295	6	,	,	PUNCT
cblr-2965	1295	7	the	the	DET
cblr-2965	1295	8	sec	sec	PROPN
cblr-2965	1295	9	's	's	PART
cblr-2965	1295	10	efforts	effort	NOUN
cblr-2965	1295	11	to	to	PART
cblr-2965	1295	12	reform	reform	VERB
cblr-2965	1295	13	fund	fund	NOUN
cblr-2965	1295	14	disclosure	disclosure	NOUN
cblr-2965	1295	15	have	have	AUX
cblr-2965	1295	16	not	not	PART
cblr-2965	1295	17	relied	rely	VERB
cblr-2965	1295	18	on	on	ADP
cblr-2965	1295	19	independent	independent	ADJ
cblr-2965	1295	20	empirical	empirical	ADJ
cblr-2965	1295	21	data	datum	NOUN
cblr-2965	1295	22	325	325	NUM
cblr-2965	1295	23	capon	capon	NOUN
cblr-2965	1295	24	et	et	PROPN
cblr-2965	1295	25	al	al	PROPN
cblr-2965	1295	26	.	.	PROPN
cblr-2965	1295	27	,	,	PUNCT
cblr-2965	1295	28	supra	supra	PROPN
cblr-2965	1295	29	note	note	PROPN
cblr-2965	1295	30	147	147	NUM
cblr-2965	1295	31	,	,	PUNCT
cblr-2965	1295	32	at	at	ADP
cblr-2965	1295	33	66	66	NUM
cblr-2965	1295	34	tbl.l	tbl.l	NOUN
cblr-2965	1295	35	.	.	PUNCT
cblr-2965	1296	1	326	326	NUM
cblr-2965	1297	1	i	i	PROPN
cblr-2965	1297	2	d.	d.	PROPN
cblr-2965	1297	3	col	col	PROPN
cblr-2965	1297	4	umbia	umbia	PROPN
cblr-2965	1297	5	b	b	PROPN
cblr-2965	1297	6	usiness	usiness	PROPN
cblr-2965	1297	7	la	la	PROPN
cblr-2965	1297	8	w	w	PROPN
cblr-2965	1297	9	re	re	PROPN
cblr-2965	1297	10	vie	vie	PROPN
cblr-2965	1297	11	w	w	PROPN
cblr-2965	1298	1	[	[	X
cblr-2965	1298	2	vol	vol	NOUN
cblr-2965	1298	3	.	.	NOUN
cblr-2965	1298	4	2008	2008	NUM
cblr-2965	1298	5	indicating	indicate	VERB
cblr-2965	1298	6	whether	whether	SCONJ
cblr-2965	1298	7	investors	investor	NOUN
cblr-2965	1298	8	can	can	AUX
cblr-2965	1298	9	understand	understand	VERB
cblr-2965	1298	10	,	,	PUNCT
cblr-2965	1298	11	and	and	CCONJ
cblr-2965	1298	12	will	will	AUX
cblr-2965	1298	13	use	use	VERB
cblr-2965	1298	14	,	,	PUNCT
cblr-2965	1298	15	the	the	DET
cblr-2965	1298	16	information	information	NOUN
cblr-2965	1298	17	that	that	PRON
cblr-2965	1298	18	the	the	DET
cblr-2965	1298	19	sec	sec	PROPN
cblr-2965	1298	20	requires	require	VERB
cblr-2965	1298	21	mutual	mutual	ADJ
cblr-2965	1298	22	funds	fund	NOUN
cblr-2965	1298	23	to	to	PART
cblr-2965	1298	24	present	present	VERB
cblr-2965	1298	25	to	to	ADP
cblr-2965	1298	26	them	they	PRON
cblr-2965	1298	27	.	.	PUNCT
cblr-2965	1299	1	for	for	ADP
cblr-2965	1299	2	example	example	NOUN
cblr-2965	1299	3	,	,	PUNCT
cblr-2965	1299	4	in	in	ADP
cblr-2965	1299	5	1998	1998	NUM
cblr-2965	1299	6	the	the	DET
cblr-2965	1299	7	sec	sec	PROPN
cblr-2965	1299	8	amended	amend	VERB
cblr-2965	1299	9	the	the	DET
cblr-2965	1299	10	prospectus	prospectus	NOUN
cblr-2965	1299	11	disclosure	disclosure	NOUN
cblr-2965	1299	12	requirements	requirement	NOUN
cblr-2965	1299	13	.	.	PUNCT
cblr-2965	1299	14	"	"	PUNCT
cblr-2965	1300	1	7	7	NUM
cblr-2965	1300	2	the	the	DET
cblr-2965	1300	3	amendments	amendment	NOUN
cblr-2965	1300	4	were	be	AUX
cblr-2965	1300	5	"	"	PUNCT
cblr-2965	1300	6	intended	intend	VERB
cblr-2965	1300	7	to	to	PART
cblr-2965	1300	8	improve	improve	VERB
cblr-2965	1300	9	fund	fund	NOUN
cblr-2965	1300	10	prospectus	prospectus	NOUN
cblr-2965	1300	11	disclosure	disclosure	NOUN
cblr-2965	1300	12	and	and	CCONJ
cblr-2965	1300	13	to	to	PART
cblr-2965	1300	14	promote	promote	VERB
cblr-2965	1300	15	more	more	ADV
cblr-2965	1300	16	effective	effective	ADJ
cblr-2965	1300	17	communication	communication	NOUN
cblr-2965	1300	18	of	of	ADP
cblr-2965	1300	19	information	information	NOUN
cblr-2965	1300	20	about	about	ADP
cblr-2965	1300	21	funds	fund	NOUN
cblr-2965	1300	22	to	to	ADP
cblr-2965	1300	23	investors	investor	NOUN
cblr-2965	1300	24	.	.	PUNCT
cblr-2965	1301	1	"32	"32	PROPN
cblr-2965	1301	2	in	in	ADP
cblr-2965	1301	3	its	its	PRON
cblr-2965	1301	4	rulemaking	rulemaking	NOUN
cblr-2965	1301	5	,	,	PUNCT
cblr-2965	1301	6	however	however	ADV
cblr-2965	1301	7	,	,	PUNCT
cblr-2965	1301	8	the	the	DET
cblr-2965	1301	9	sec	sec	PROPN
cblr-2965	1301	10	cited	cite	VERB
cblr-2965	1301	11	no	no	DET
cblr-2965	1301	12	academic	academic	ADJ
cblr-2965	1301	13	studies	study	NOUN
cblr-2965	1301	14	of	of	ADP
cblr-2965	1301	15	how	how	SCONJ
cblr-2965	1301	16	investors	investor	NOUN
cblr-2965	1301	17	actually	actually	ADV
cblr-2965	1301	18	make	make	VERB
cblr-2965	1301	19	their	their	PRON
cblr-2965	1301	20	fund	fund	NOUN
cblr-2965	1301	21	choices	choice	NOUN
cblr-2965	1301	22	.	.	PUNCT
cblr-2965	1302	1	instead	instead	ADV
cblr-2965	1302	2	of	of	ADP
cblr-2965	1302	3	turning	turn	VERB
cblr-2965	1302	4	to	to	ADP
cblr-2965	1302	5	the	the	DET
cblr-2965	1302	6	academic	academic	ADJ
cblr-2965	1302	7	literature	literature	NOUN
cblr-2965	1302	8	,	,	PUNCT
cblr-2965	1302	9	the	the	DET
cblr-2965	1302	10	sec	sec	PROPN
cblr-2965	1302	11	has	have	AUX
cblr-2965	1302	12	relied	rely	VERB
cblr-2965	1302	13	on	on	ADP
cblr-2965	1302	14	the	the	DET
cblr-2965	1302	15	fund	fund	NOUN
cblr-2965	1302	16	industry	industry	NOUN
cblr-2965	1302	17	to	to	PART
cblr-2965	1302	18	formulate	formulate	VERB
cblr-2965	1302	19	its	its	PRON
cblr-2965	1302	20	understanding	understanding	NOUN
cblr-2965	1302	21	of	of	ADP
cblr-2965	1302	22	investors	investor	NOUN
cblr-2965	1302	23	'	'	PART
cblr-2965	1302	24	informational	informational	ADJ
cblr-2965	1302	25	needs	need	NOUN
cblr-2965	1302	26	.	.	PUNCT
cblr-2965	1303	1	for	for	ADP
cblr-2965	1303	2	example	example	NOUN
cblr-2965	1303	3	,	,	PUNCT
cblr-2965	1303	4	in	in	ADP
cblr-2965	1303	5	its	its	PRON
cblr-2965	1303	6	1998	1998	NUM
cblr-2965	1303	7	prospectus	prospectus	NOUN
cblr-2965	1303	8	disclosure	disclosure	NOUN
cblr-2965	1303	9	rulemaking	rulemaking	NOUN
cblr-2965	1303	10	,	,	PUNCT
cblr-2965	1303	11	the	the	DET
cblr-2965	1303	12	sec	sec	PROPN
cblr-2965	1303	13	cited	cite	VERB
cblr-2965	1303	14	to	to	ADP
cblr-2965	1303	15	ici	ici	PROPN
cblr-2965	1303	16	research	research	PROPN
cblr-2965	1303	17	seven	seven	NUM
cblr-2965	1303	18	times	time	NOUN
cblr-2965	1303	19	,	,	PUNCT
cblr-2965	1303	20	and	and	CCONJ
cblr-2965	1303	21	to	to	ADP
cblr-2965	1303	22	ici	ici	PROPN
cblr-2965	1303	23	comment	comment	NOUN
cblr-2965	1303	24	letters	letter	NOUN
cblr-2965	1303	25	five	five	NUM
cblr-2965	1303	26	times	time	NOUN
cblr-2965	1303	27	,	,	PUNCT
cblr-2965	1303	28	to	to	PART
cblr-2965	1303	29	support	support	VERB
cblr-2965	1303	30	sec	sec	PROPN
cblr-2965	1303	31	conclusions	conclusion	NOUN
cblr-2965	1303	32	about	about	ADP
cblr-2965	1303	33	the	the	DET
cblr-2965	1303	34	information	information	NOUN
cblr-2965	1303	35	needs	need	NOUN
cblr-2965	1303	36	of	of	ADP
cblr-2965	1303	37	fund	fund	NOUN
cblr-2965	1303	38	investors.329	investors.329	PROPN
cblr-2965	1303	39	the	the	DET
cblr-2965	1303	40	sec	sec	PROPN
cblr-2965	1303	41	noted	note	VERB
cblr-2965	1303	42	,	,	PUNCT
cblr-2965	1303	43	for	for	ADP
cblr-2965	1303	44	example	example	NOUN
cblr-2965	1303	45	,	,	PUNCT
cblr-2965	1303	46	that	that	SCONJ
cblr-2965	1303	47	an	an	DET
cblr-2965	1303	48	ici	ici	NOUN
cblr-2965	1303	49	survey	survey	NOUN
cblr-2965	1303	50	found	find	VERB
cblr-2965	1303	51	that	that	SCONJ
cblr-2965	1303	52	investors	investor	NOUN
cblr-2965	1303	53	responded	respond	VERB
cblr-2965	1303	54	"	"	PUNCT
cblr-2965	1303	55	very	very	ADV
cblr-2965	1303	56	positively	positively	ADV
cblr-2965	1303	57	"	"	PUNCT
cblr-2965	1303	58	to	to	PART
cblr-2965	1303	59	profile	profile	VERB
cblr-2965	1303	60	summaries	summary	NOUN
cblr-2965	1303	61	of	of	ADP
cblr-2965	1303	62	fund	fund	NOUN
cblr-2965	1303	63	information.33	information.33	PROPN
cblr-2965	1303	64	°	°	ADP
cblr-2965	1303	65	the	the	DET
cblr-2965	1303	66	only	only	ADJ
cblr-2965	1303	67	non	non	ADJ
cblr-2965	1303	68	-	-	ADJ
cblr-2965	1303	69	ici	ici	ADJ
cblr-2965	1303	70	studies	study	NOUN
cblr-2965	1303	71	cited	cite	VERB
cblr-2965	1303	72	by	by	ADP
cblr-2965	1303	73	the	the	DET
cblr-2965	1303	74	sec	sec	PROPN
cblr-2965	1303	75	were	be	AUX
cblr-2965	1303	76	a	a	DET
cblr-2965	1303	77	survey	survey	NOUN
cblr-2965	1303	78	by	by	ADP
cblr-2965	1303	79	the	the	DET
cblr-2965	1303	80	american	american	PROPN
cblr-2965	1303	81	association	association	PROPN
cblr-2965	1303	82	of	of	ADP
cblr-2965	1303	83	retired	retire	VERB
cblr-2965	1303	84	persons	person	NOUN
cblr-2965	1303	85	,	,	PUNCT
cblr-2965	1303	86	the	the	DET
cblr-2965	1303	87	consumer	consumer	NOUN
cblr-2965	1303	88	federation	federation	PROPN
cblr-2965	1303	89	of	of	ADP
cblr-2965	1303	90	america	america	PROPN
cblr-2965	1303	91	,	,	PUNCT
cblr-2965	1303	92	and	and	CCONJ
cblr-2965	1303	93	the	the	DET
cblr-2965	1303	94	north	north	ADJ
cblr-2965	1303	95	american	american	ADJ
cblr-2965	1303	96	securities	securities	PROPN
cblr-2965	1303	97	administrators	administrators	PROPN
cblr-2965	1303	98	,	,	PUNCT
cblr-2965	1303	99	inc	inc	PROPN
cblr-2965	1303	100	.	.	PROPN
cblr-2965	1303	101	,	,	PUNCT
cblr-2965	1303	102	that	that	PRON
cblr-2965	1303	103	found	find	VERB
cblr-2965	1303	104	that	that	SCONJ
cblr-2965	1303	105	"	"	PUNCT
cblr-2965	1303	106	the	the	DET
cblr-2965	1303	107	vast	vast	ADJ
cblr-2965	1303	108	majority	majority	NOUN
cblr-2965	1303	109	of	of	ADP
cblr-2965	1303	110	american	american	PROPN
cblr-2965	1303	111	bank	bank	PROPN
cblr-2965	1303	112	customers	customer	NOUN
cblr-2965	1303	113	who	who	PRON
cblr-2965	1303	114	hold	hold	VERB
cblr-2965	1303	115	shares	share	NOUN
cblr-2965	1303	116	of	of	ADP
cblr-2965	1303	117	mutual	mutual	ADJ
cblr-2965	1303	118	funds	fund	NOUN
cblr-2965	1303	119	are	be	AUX
cblr-2965	1303	120	unaware	unaware	ADJ
cblr-2965	1303	121	of	of	ADP
cblr-2965	1303	122	the	the	DET
cblr-2965	1303	123	risks	risk	NOUN
cblr-2965	1303	124	and	and	CCONJ
cblr-2965	1303	125	fees	fee	NOUN
cblr-2965	1303	126	involved	involve	VERB
cblr-2965	1303	127	in	in	ADP
cblr-2965	1303	128	the	the	DET
cblr-2965	1303	129	sale	sale	NOUN
cblr-2965	1303	130	of	of	ADP
cblr-2965	1303	131	mutual	mutual	ADJ
cblr-2965	1303	132	funds";33	funds";33	PROPN
cblr-2965	1303	133	'	'	PART
cblr-2965	1303	134	a	a	DET
cblr-2965	1303	135	survey	survey	NOUN
cblr-2965	1303	136	by	by	ADP
cblr-2965	1303	137	the	the	DET
cblr-2965	1303	138	investor	investor	NOUN
cblr-2965	1303	139	protection	protection	PROPN
cblr-2965	1303	140	trust	trust	PROPN
cblr-2965	1303	141	finding	find	VERB
cblr-2965	1303	142	that	that	SCONJ
cblr-2965	1303	143	two	two	NUM
cblr-2965	1303	144	-	-	PUNCT
cblr-2965	1303	145	thirds	third	NOUN
cblr-2965	1303	146	of	of	ADP
cblr-2965	1303	147	investors	investor	NOUN
cblr-2965	1303	148	"	"	PUNCT
cblr-2965	1303	149	believed	believe	VERB
cblr-2965	1303	150	that	that	SCONJ
cblr-2965	1303	151	no	no	DET
cblr-2965	1303	152	-	-	PUNCT
cblr-2965	1303	153	load	load	NOUN
cblr-2965	1303	154	mutual	mutual	ADJ
cblr-2965	1303	155	funds	fund	NOUN
cblr-2965	1303	156	involve	involve	VERB
cblr-2965	1303	157	no	no	DET
cblr-2965	1303	158	sales	sale	NOUN
cblr-2965	1303	159	charges	charge	NOUN
cblr-2965	1303	160	or	or	CCONJ
cblr-2965	1303	161	fees";332	fees";332	NOUN
cblr-2965	1303	162	and	and	CCONJ
cblr-2965	1303	163	a	a	DET
cblr-2965	1303	164	survey	survey	NOUN
cblr-2965	1303	165	by	by	ADP
cblr-2965	1303	166	the	the	DET
cblr-2965	1303	167	federal	federal	ADJ
cblr-2965	1303	168	deposit	deposit	NOUN
cblr-2965	1303	169	insurance	insurance	NOUN
cblr-2965	1303	170	corporation	corporation	NOUN
cblr-2965	1303	171	indicating	indicate	VERB
cblr-2965	1303	172	that	that	SCONJ
cblr-2965	1303	173	about	about	ADV
cblr-2965	1303	174	one	one	NUM
cblr-2965	1303	175	-	-	PUNCT
cblr-2965	1303	176	third	third	NOUN
cblr-2965	1303	177	of	of	ADP
cblr-2965	1303	178	bank	bank	NOUN
cblr-2965	1303	179	customers	customer	NOUN
cblr-2965	1303	180	did	do	AUX
cblr-2965	1303	181	not	not	PART
cblr-2965	1303	182	know	know	VERB
cblr-2965	1303	183	that	that	SCONJ
cblr-2965	1303	184	mutual	mutual	ADJ
cblr-2965	1303	185	funds	fund	NOUN
cblr-2965	1303	186	sold	sell	VERB
cblr-2965	1303	187	through	through	ADP
cblr-2965	1303	188	banks	bank	NOUN
cblr-2965	1303	189	were	be	AUX
cblr-2965	1303	190	not	not	PART
cblr-2965	1303	191	327	327	NUM
cblr-2965	1303	192	registration	registration	NOUN
cblr-2965	1303	193	form	form	NOUN
cblr-2965	1303	194	used	use	VERB
cblr-2965	1303	195	by	by	ADP
cblr-2965	1303	196	open	open	ADJ
cblr-2965	1303	197	-	-	PUNCT
cblr-2965	1303	198	end	end	NOUN
cblr-2965	1303	199	management	management	NOUN
cblr-2965	1303	200	investment	investment	NOUN
cblr-2965	1303	201	companies	company	NOUN
cblr-2965	1303	202	,	,	PUNCT
cblr-2965	1303	203	supra	supra	PROPN
cblr-2965	1303	204	note	note	NOUN
cblr-2965	1303	205	72	72	NUM
cblr-2965	1303	206	.	.	PUNCT
cblr-2965	1304	1	328	328	NUM
cblr-2965	1305	1	i	i	PRON
cblr-2965	1305	2	d.	d.	PROPN
cblr-2965	1305	3	329	329	NUM
cblr-2965	1306	1	i	i	PRON
cblr-2965	1306	2	d.	d.	PROPN
cblr-2965	1306	3	330	330	NUM
cblr-2965	1306	4	i	i	PROPN
cblr-2965	1306	5	d.	d.	PROPN
cblr-2965	1306	6	at	at	ADP
cblr-2965	1306	7	13,918	13,918	NUM
cblr-2965	1306	8	.	.	PUNCT
cblr-2965	1307	1	see	see	VERB
cblr-2965	1307	2	also	also	ADV
cblr-2965	1307	3	new	new	ADJ
cblr-2965	1307	4	disclosure	disclosure	NOUN
cblr-2965	1307	5	option	option	NOUN
cblr-2965	1307	6	for	for	ADP
cblr-2965	1307	7	open	open	ADJ
cblr-2965	1307	8	-	-	PUNCT
cblr-2965	1307	9	end	end	NOUN
cblr-2965	1307	10	management	management	NOUN
cblr-2965	1307	11	investment	investment	NOUN
cblr-2965	1307	12	companies	company	NOUN
cblr-2965	1307	13	,	,	PUNCT
cblr-2965	1307	14	supra	supra	PROPN
cblr-2965	1307	15	note	note	PROPN
cblr-2965	1307	16	72	72	NUM
cblr-2965	1307	17	,	,	PUNCT
cblr-2965	1307	18	at	at	ADP
cblr-2965	1307	19	13,970	13,970	NUM
cblr-2965	1307	20	n.23	n.23	NOUN
cblr-2965	1307	21	.	.	NOUN
cblr-2965	1307	22	331	331	NUM
cblr-2965	1307	23	registration	registration	NOUN
cblr-2965	1307	24	form	form	NOUN
cblr-2965	1307	25	used	use	VERB
cblr-2965	1307	26	by	by	ADP
cblr-2965	1307	27	open	open	ADJ
cblr-2965	1307	28	-	-	PUNCT
cblr-2965	1307	29	end	end	NOUN
cblr-2965	1307	30	management	management	NOUN
cblr-2965	1307	31	investment	investment	NOUN
cblr-2965	1307	32	companies	company	NOUN
cblr-2965	1307	33	,	,	PUNCT
cblr-2965	1307	34	supra	supra	PROPN
cblr-2965	1307	35	note	note	PROPN
cblr-2965	1307	36	72	72	NUM
cblr-2965	1307	37	,	,	PUNCT
cblr-2965	1307	38	at	at	ADP
cblr-2965	1307	39	13,925	13,925	NUM
cblr-2965	1307	40	n.82	n.82	NOUN
cblr-2965	1307	41	.	.	PROPN
cblr-2965	1308	1	332	332	NUM
cblr-2965	1309	1	i	i	PRON
cblr-2965	1309	2	d.	d.	PROPN
cblr-2965	1309	3	no	no	INTJ
cblr-2965	1309	4	.	.	PUNCT
cblr-2965	1310	1	3:934	3:934	X
cblr-2965	1310	2	]	]	X
cblr-2965	1310	3	mutual	mutual	ADJ
cblr-2965	1310	4	fund	fund	NOUN
cblr-2965	1310	5	investors	investor	NOUN
cblr-2965	1310	6	insured.33	insured.33	PROPN
cblr-2965	1310	7	as	as	SCONJ
cblr-2965	1310	8	noted	note	VERB
cblr-2965	1310	9	in	in	ADP
cblr-2965	1310	10	table	table	NOUN
cblr-2965	1310	11	1	1	NUM
cblr-2965	1310	12	,	,	PUNCT
cblr-2965	1310	13	there	there	PRON
cblr-2965	1310	14	were	be	VERB
cblr-2965	1310	15	no	no	DET
cblr-2965	1310	16	references	reference	NOUN
cblr-2965	1310	17	to	to	ADP
cblr-2965	1310	18	academic	academic	ADJ
cblr-2965	1310	19	research	research	NOUN
cblr-2965	1310	20	on	on	ADP
cblr-2965	1310	21	investor	investor	NOUN
cblr-2965	1310	22	behavior	behavior	NOUN
cblr-2965	1310	23	in	in	ADP
cblr-2965	1310	24	any	any	PRON
cblr-2965	1310	25	of	of	ADP
cblr-2965	1310	26	the	the	DET
cblr-2965	1310	27	five	five	NUM
cblr-2965	1310	28	sec	sec	PROPN
cblr-2965	1310	29	releases	release	NOUN
cblr-2965	1310	30	.	.	PUNCT
cblr-2965	1311	1	in	in	ADP
cblr-2965	1311	2	fact	fact	NOUN
cblr-2965	1311	3	,	,	PUNCT
cblr-2965	1311	4	it	it	PRON
cblr-2965	1311	5	appears	appear	VERB
cblr-2965	1311	6	that	that	SCONJ
cblr-2965	1311	7	the	the	DET
cblr-2965	1311	8	sec	sec	PROPN
cblr-2965	1311	9	,	,	PUNCT
cblr-2965	1311	10	until	until	ADP
cblr-2965	1311	11	very	very	ADV
cblr-2965	1311	12	recently	recently	ADV
cblr-2965	1311	13	,	,	PUNCT
cblr-2965	1311	14	had	have	AUX
cblr-2965	1311	15	referred	refer	VERB
cblr-2965	1311	16	to	to	ADP
cblr-2965	1311	17	the	the	DET
cblr-2965	1311	18	academic	academic	ADJ
cblr-2965	1311	19	literature	literature	NOUN
cblr-2965	1311	20	only	only	ADV
cblr-2965	1311	21	once	once	ADV
cblr-2965	1311	22	in	in	ADP
cblr-2965	1311	23	connection	connection	NOUN
cblr-2965	1311	24	with	with	ADP
cblr-2965	1311	25	the	the	DET
cblr-2965	1311	26	informational	informational	ADJ
cblr-2965	1311	27	needs	need	NOUN
cblr-2965	1311	28	of	of	ADP
cblr-2965	1311	29	fund	fund	NOUN
cblr-2965	1311	30	investors	investor	NOUN
cblr-2965	1311	31	.	.	PUNCT
cblr-2965	1312	1	as	as	SCONJ
cblr-2965	1312	2	noted	note	VERB
cblr-2965	1312	3	above	above	ADV
cblr-2965	1312	4	,	,	PUNCT
cblr-2965	1312	5	in	in	ADP
cblr-2965	1312	6	an	an	DET
cblr-2965	1312	7	educational	educational	ADJ
cblr-2965	1312	8	document	document	NOUN
cblr-2965	1312	9	on	on	ADP
cblr-2965	1312	10	its	its	PRON
cblr-2965	1312	11	website	website	NOUN
cblr-2965	1312	12	,	,	PUNCT
cblr-2965	1312	13	"	"	PUNCT
cblr-2965	1312	14	invest	invest	VERB
cblr-2965	1312	15	wisely	wisely	ADV
cblr-2965	1312	16	:	:	PUNCT
cblr-2965	1312	17	an	an	DET
cblr-2965	1312	18	introduction	introduction	NOUN
cblr-2965	1312	19	to	to	ADP
cblr-2965	1312	20	mutual	mutual	ADJ
cblr-2965	1312	21	funds	fund	NOUN
cblr-2965	1312	22	,	,	PUNCT
cblr-2965	1312	23	"	"	PUNCT
cblr-2965	1312	24	the	the	DET
cblr-2965	1312	25	sec	sec	PROPN
cblr-2965	1312	26	states	state	NOUN
cblr-2965	1312	27	:	:	PUNCT
cblr-2965	1312	28	past	past	ADJ
cblr-2965	1312	29	performance	performance	NOUN
cblr-2965	1312	30	is	be	AUX
cblr-2965	1312	31	not	not	PART
cblr-2965	1312	32	a	a	DET
cblr-2965	1312	33	reliable	reliable	ADJ
cblr-2965	1312	34	indicator	indicator	NOUN
cblr-2965	1312	35	of	of	ADP
cblr-2965	1312	36	future	future	ADJ
cblr-2965	1312	37	performance	performance	NOUN
cblr-2965	1312	38	.	.	PUNCT
cblr-2965	1313	1	so	so	ADV
cblr-2965	1313	2	do	do	AUX
cblr-2965	1313	3	n't	not	PART
cblr-2965	1313	4	be	be	AUX
cblr-2965	1313	5	dazzled	dazzle	VERB
cblr-2965	1313	6	by	by	ADP
cblr-2965	1313	7	last	last	ADJ
cblr-2965	1313	8	year	year	NOUN
cblr-2965	1313	9	's	's	PART
cblr-2965	1313	10	high	high	ADJ
cblr-2965	1313	11	returns	return	NOUN
cblr-2965	1313	12	....	....	PUNCT
cblr-2965	1314	1	a	a	DET
cblr-2965	1314	2	fund	fund	NOUN
cblr-2965	1314	3	's	's	PART
cblr-2965	1314	4	past	past	ADJ
cblr-2965	1314	5	performance	performance	NOUN
cblr-2965	1314	6	is	be	AUX
cblr-2965	1314	7	not	not	PART
cblr-2965	1314	8	as	as	ADV
cblr-2965	1314	9	important	important	ADJ
cblr-2965	1314	10	as	as	SCONJ
cblr-2965	1314	11	you	you	PRON
cblr-2965	1314	12	might	might	AUX
cblr-2965	1314	13	think	think	VERB
cblr-2965	1314	14	.	.	PUNCT
cblr-2965	1315	1	advertisements	advertisement	NOUN
cblr-2965	1315	2	,	,	PUNCT
cblr-2965	1315	3	rankings	ranking	NOUN
cblr-2965	1315	4	,	,	PUNCT
cblr-2965	1315	5	and	and	CCONJ
cblr-2965	1315	6	ratings	rating	NOUN
cblr-2965	1315	7	often	often	ADV
cblr-2965	1315	8	emphasize	emphasize	VERB
cblr-2965	1315	9	how	how	SCONJ
cblr-2965	1315	10	well	well	ADV
cblr-2965	1315	11	a	a	DET
cblr-2965	1315	12	fund	fund	NOUN
cblr-2965	1315	13	has	have	AUX
cblr-2965	1315	14	performed	perform	VERB
cblr-2965	1315	15	in	in	ADP
cblr-2965	1315	16	the	the	DET
cblr-2965	1315	17	past	past	NOUN
cblr-2965	1315	18	.	.	PUNCT
cblr-2965	1316	1	but	but	CCONJ
cblr-2965	1316	2	studies	study	NOUN
cblr-2965	1316	3	show	show	VERB
cblr-2965	1316	4	that	that	SCONJ
cblr-2965	1316	5	the	the	DET
cblr-2965	1316	6	future	future	NOUN
cblr-2965	1316	7	is	be	AUX
cblr-2965	1316	8	often	often	ADV
cblr-2965	1316	9	different	different	ADJ
cblr-2965	1316	10	.	.	PUNCT
cblr-2965	1317	1	this	this	DET
cblr-2965	1317	2	year	year	NOUN
cblr-2965	1317	3	's	's	PART
cblr-2965	1317	4	"	"	PUNCT
cblr-2965	1317	5	number	number	NOUN
cblr-2965	1317	6	one	one	NUM
cblr-2965	1317	7	"	"	PUNCT
cblr-2965	1317	8	fund	fund	NOUN
cblr-2965	1317	9	can	can	AUX
cblr-2965	1317	10	easily	easily	ADV
cblr-2965	1317	11	become	become	VERB
cblr-2965	1317	12	next	next	ADJ
cblr-2965	1317	13	year	year	NOUN
cblr-2965	1317	14	's	's	PART
cblr-2965	1317	15	below	below	ADP
cblr-2965	1317	16	average	average	ADJ
cblr-2965	1317	17	fund	fund	NOUN
cblr-2965	1317	18	.	.	PUNCT
cblr-2965	1318	1	34	34	NUM
cblr-2965	1318	2	in	in	ADP
cblr-2965	1318	3	its	its	PRON
cblr-2965	1318	4	november	november	PROPN
cblr-2965	1318	5	2007	2007	NUM
cblr-2965	1318	6	proposal	proposal	NOUN
cblr-2965	1318	7	regarding	regard	VERB
cblr-2965	1318	8	the	the	DET
cblr-2965	1318	9	summary	summary	NOUN
cblr-2965	1318	10	section	section	NOUN
cblr-2965	1318	11	of	of	ADP
cblr-2965	1318	12	the	the	DET
cblr-2965	1318	13	full	full	ADJ
cblr-2965	1318	14	prospectus	prospectus	NOUN
cblr-2965	1318	15	and	and	CCONJ
cblr-2965	1318	16	the	the	DET
cblr-2965	1318	17	creation	creation	NOUN
cblr-2965	1318	18	of	of	ADP
cblr-2965	1318	19	the	the	DET
cblr-2965	1318	20	summary	summary	NOUN
cblr-2965	1318	21	prospectus	prospectus	NOUN
cblr-2965	1318	22	,	,	PUNCT
cblr-2965	1318	23	the	the	DET
cblr-2965	1318	24	sec	sec	PROPN
cblr-2965	1318	25	again	again	ADV
cblr-2965	1318	26	cited	cite	VERB
cblr-2965	1318	27	academic	academic	ADJ
cblr-2965	1318	28	literature	literature	NOUN
cblr-2965	1318	29	.	.	PUNCT
cblr-2965	1319	1	in	in	ADP
cblr-2965	1319	2	that	that	DET
cblr-2965	1319	3	rulemaking	rulemake	VERB
cblr-2965	1319	4	proposal	proposal	NOUN
cblr-2965	1319	5	,	,	PUNCT
cblr-2965	1319	6	the	the	DET
cblr-2965	1319	7	sec	sec	PROPN
cblr-2965	1319	8	cited	cite	VERB
cblr-2965	1319	9	to	to	ADP
cblr-2965	1319	10	one	one	NUM
cblr-2965	1319	11	academic	academic	ADJ
cblr-2965	1319	12	study	study	NOUN
cblr-2965	1319	13	as	as	ADP
cblr-2965	1319	14	support	support	NOUN
cblr-2965	1319	15	for	for	ADP
cblr-2965	1319	16	the	the	DET
cblr-2965	1319	17	general	general	ADJ
cblr-2965	1319	18	proposition	proposition	NOUN
cblr-2965	1319	19	that	that	SCONJ
cblr-2965	1319	20	there	there	PRON
cblr-2965	1319	21	are	be	VERB
cblr-2965	1319	22	"	"	PUNCT
cblr-2965	1319	23	continuing	continue	VERB
cblr-2965	1319	24	concerns	concern	NOUN
cblr-2965	1319	25	about	about	ADP
cblr-2965	1319	26	investor	investor	NOUN
cblr-2965	1319	27	understanding	understanding	NOUN
cblr-2965	1319	28	of	of	ADP
cblr-2965	1319	29	mutual	mutual	ADJ
cblr-2965	1319	30	fund	fund	NOUN
cblr-2965	1319	31	costs	cost	NOUN
cblr-2965	1319	32	.	.	PUNCT
cblr-2965	1319	33	"	"	PUNCT
cblr-2965	1320	1	335	335	NUM
cblr-2965	1320	2	although	although	SCONJ
cblr-2965	1320	3	sec	sec	PROPN
cblr-2965	1320	4	references	reference	NOUN
cblr-2965	1320	5	to	to	ADP
cblr-2965	1320	6	the	the	DET
cblr-2965	1320	7	academic	academic	ADJ
cblr-2965	1320	8	literature	literature	NOUN
cblr-2965	1320	9	are	be	AUX
cblr-2965	1320	10	rare	rare	ADJ
cblr-2965	1320	11	,	,	PUNCT
cblr-2965	1320	12	table	table	NOUN
cblr-2965	1320	13	1	1	NUM
cblr-2965	1320	14	shows	show	VERB
cblr-2965	1320	15	that	that	SCONJ
cblr-2965	1320	16	the	the	DET
cblr-2965	1320	17	sec	sec	PROPN
cblr-2965	1320	18	has	have	AUX
cblr-2965	1320	19	sometimes	sometimes	ADV
cblr-2965	1320	20	cited	cite	VERB
cblr-2965	1320	21	to	to	ADP
cblr-2965	1320	22	the	the	DET
cblr-2965	1320	23	popular	popular	ADJ
cblr-2965	1320	24	media	medium	NOUN
cblr-2965	1320	25	for	for	ADP
cblr-2965	1320	26	anecdotal	anecdotal	ADJ
cblr-2965	1320	27	evidence	evidence	NOUN
cblr-2965	1320	28	of	of	ADP
cblr-2965	1320	29	the	the	DET
cblr-2965	1320	30	difficulties	difficulty	NOUN
cblr-2965	1320	31	fund	fund	NOUN
cblr-2965	1320	32	investors	investor	NOUN
cblr-2965	1320	33	have	have	VERB
cblr-2965	1320	34	in	in	ADP
cblr-2965	1320	35	understanding	understand	VERB
cblr-2965	1320	36	fund	fund	NOUN
cblr-2965	1320	37	disclosure	disclosure	NOUN
cblr-2965	1320	38	.	.	PUNCT
cblr-2965	1321	1	in	in	ADP
cblr-2965	1321	2	its	its	PRON
cblr-2965	1321	3	rulemaking	rulemaking	NOUN
cblr-2965	1321	4	on	on	ADP
cblr-2965	1321	5	prospectus	prospectus	NOUN
cblr-2965	1321	6	disclosure	disclosure	NOUN
cblr-2965	1321	7	,	,	PUNCT
cblr-2965	1321	8	36	36	NUM
cblr-2965	1321	9	its	its	PRON
cblr-2965	1321	10	adoption	adoption	NOUN
cblr-2965	1321	11	of	of	ADP
cblr-2965	1321	12	the	the	DET
cblr-2965	1321	13	fund	fund	NOUN
cblr-2965	1321	14	profile	profile	NOUN
cblr-2965	1321	15	37	37	NUM
cblr-2965	1321	16	its	its	PRON
cblr-2965	1321	17	changes	change	NOUN
cblr-2965	1321	18	to	to	ADP
cblr-2965	1321	19	the	the	DET
cblr-2965	1321	20	rules	rule	NOUN
cblr-2965	1321	21	on	on	ADP
cblr-2965	1321	22	advertising	advertise	VERB
cblr-2965	1321	23	333	333	NUM
cblr-2965	1321	24	i	i	PRON
cblr-2965	1321	25	d.	d.	PROPN
cblr-2965	1321	26	at	at	ADP
cblr-2965	1321	27	13,922	13,922	NUM
cblr-2965	1321	28	n.48	n.48	NOUN
cblr-2965	1321	29	.	.	PROPN
cblr-2965	1321	30	31	31	NUM
cblr-2965	1321	31	sec	sec	PROPN
cblr-2965	1321	32	,	,	PUNCT
cblr-2965	1321	33	invest	invest	VERB
cblr-2965	1321	34	wisely	wisely	ADV
cblr-2965	1321	35	,	,	PUNCT
cblr-2965	1321	36	supra	supra	ADJ
cblr-2965	1321	37	note	note	NOUN
cblr-2965	1321	38	1	1	NUM
cblr-2965	1321	39	(	(	PUNCT
cblr-2965	1321	40	emphasis	emphasis	NOUN
cblr-2965	1321	41	added	add	VERB
cblr-2965	1321	42	)	)	PUNCT
cblr-2965	1321	43	.	.	PUNCT
cblr-2965	1322	1	3	3	X
cblr-2965	1322	2	'	'	PART
cblr-2965	1322	3	enhanced	enhanced	ADJ
cblr-2965	1322	4	disclosure	disclosure	NOUN
cblr-2965	1322	5	and	and	CCONJ
cblr-2965	1322	6	new	new	ADJ
cblr-2965	1322	7	prospectus	prospectus	NOUN
cblr-2965	1322	8	delivery	delivery	NOUN
cblr-2965	1322	9	option	option	NOUN
cblr-2965	1322	10	for	for	ADP
cblr-2965	1322	11	registered	register	VERB
cblr-2965	1322	12	open	open	ADJ
cblr-2965	1322	13	-	-	PUNCT
cblr-2965	1322	14	end	end	NOUN
cblr-2965	1322	15	management	management	NOUN
cblr-2965	1322	16	investment	investment	NOUN
cblr-2965	1322	17	companies	company	NOUN
cblr-2965	1322	18	,	,	PUNCT
cblr-2965	1322	19	supra	supra	PROPN
cblr-2965	1322	20	note	note	NOUN
cblr-2965	1322	21	97	97	NUM
cblr-2965	1322	22	at	at	ADP
cblr-2965	1322	23	67,794	67,794	NUM
cblr-2965	1322	24	&	&	CCONJ
cblr-2965	1322	25	n.45	n.45	PROPN
cblr-2965	1322	26	.	.	PROPN
cblr-2965	1322	27	...	...	PUNCT
cblr-2965	1323	1	registration	registration	NOUN
cblr-2965	1323	2	form	form	NOUN
cblr-2965	1323	3	used	use	VERB
cblr-2965	1323	4	by	by	ADP
cblr-2965	1323	5	open	open	ADJ
cblr-2965	1323	6	-	-	PUNCT
cblr-2965	1323	7	end	end	NOUN
cblr-2965	1323	8	management	management	NOUN
cblr-2965	1323	9	investment	investment	NOUN
cblr-2965	1323	10	companies	company	NOUN
cblr-2965	1323	11	,	,	PUNCT
cblr-2965	1323	12	supra	supra	PROPN
cblr-2965	1323	13	note	note	NOUN
cblr-2965	1323	14	72	72	NUM
cblr-2965	1323	15	.	.	PUNCT
cblr-2965	1323	16	"	"	PUNCT
cblr-2965	1324	1	new	new	ADJ
cblr-2965	1324	2	disclosure	disclosure	NOUN
cblr-2965	1324	3	option	option	NOUN
cblr-2965	1324	4	for	for	ADP
cblr-2965	1324	5	open	open	ADJ
cblr-2965	1324	6	-	-	PUNCT
cblr-2965	1324	7	end	end	NOUN
cblr-2965	1324	8	management	management	NOUN
cblr-2965	1324	9	investment	investment	NOUN
cblr-2965	1324	10	companies	company	NOUN
cblr-2965	1324	11	,	,	PUNCT
cblr-2965	1324	12	supra	supra	PROPN
cblr-2965	1324	13	note	note	PROPN
cblr-2965	1324	14	72	72	NUM
cblr-2965	1324	15	,	,	PUNCT
cblr-2965	1324	16	at	at	ADP
cblr-2965	1324	17	13,969	13,969	NUM
cblr-2965	1324	18	.	.	PUNCT
cblr-2965	1325	1	colu]ma	colu]ma	PROPN
cblr-2965	1325	2	b	b	PROPN
cblr-2965	1326	1	usiness	usiness	PROPN
cblr-2965	1326	2	la	la	PROPN
cblr-2965	1326	3	w	w	PROPN
cblr-2965	1326	4	re	re	PROPN
cblr-2965	1326	5	vie	vie	PROPN
cblr-2965	1326	6	w	w	PROPN
cblr-2965	1327	1	[	[	X
cblr-2965	1327	2	vol	vol	NOUN
cblr-2965	1327	3	.	.	NOUN
cblr-2965	1327	4	2008	2008	NUM
cblr-2965	1327	5	content,33	content,33	NOUN
cblr-2965	1327	6	and	and	CCONJ
cblr-2965	1327	7	its	its	PRON
cblr-2965	1327	8	changes	change	NOUN
cblr-2965	1327	9	to	to	ADP
cblr-2965	1327	10	rules	rule	NOUN
cblr-2965	1327	11	on	on	ADP
cblr-2965	1327	12	the	the	DET
cblr-2965	1327	13	content	content	NOUN
cblr-2965	1327	14	of	of	ADP
cblr-2965	1327	15	shareholder	shareholder	NOUN
cblr-2965	1327	16	reports	report	VERB
cblr-2965	1327	17	3	3	NUM
cblr-2965	1327	18	9	9	NUM
cblr-2965	1327	19	the	the	DET
cblr-2965	1327	20	sec	sec	PROPN
cblr-2965	1327	21	liberally	liberally	ADV
cblr-2965	1327	22	cites	cite	VERB
cblr-2965	1327	23	to	to	ADP
cblr-2965	1327	24	news	news	NOUN
cblr-2965	1327	25	articles	article	NOUN
cblr-2965	1327	26	suggesting	suggest	VERB
cblr-2965	1327	27	fund	fund	NOUN
cblr-2965	1327	28	investors	investor	NOUN
cblr-2965	1327	29	'	'	PART
cblr-2965	1327	30	limitations	limitation	NOUN
cblr-2965	1327	31	.	.	PUNCT
cblr-2965	1328	1	in	in	ADP
cblr-2965	1328	2	the	the	DET
cblr-2965	1328	3	sec	sec	PROPN
cblr-2965	1328	4	's	's	PART
cblr-2965	1328	5	adopting	adopt	VERB
cblr-2965	1328	6	release	release	NOUN
cblr-2965	1328	7	on	on	ADP
cblr-2965	1328	8	fund	fund	NOUN
cblr-2965	1328	9	prospectus	prospectus	NOUN
cblr-2965	1328	10	disclosure	disclosure	NOUN
cblr-2965	1328	11	,	,	PUNCT
cblr-2965	1328	12	for	for	ADP
cblr-2965	1328	13	example	example	NOUN
cblr-2965	1328	14	,	,	PUNCT
cblr-2965	1328	15	there	there	PRON
cblr-2965	1328	16	are	be	VERB
cblr-2965	1328	17	thirteen	thirteen	NUM
cblr-2965	1328	18	cites	cite	VERB
cblr-2965	1328	19	to	to	ADP
cblr-2965	1328	20	news	news	NOUN
cblr-2965	1328	21	articles	article	NOUN
cblr-2965	1328	22	,	,	PUNCT
cblr-2965	1328	23	including	include	VERB
cblr-2965	1328	24	journalistic	journalistic	ADJ
cblr-2965	1328	25	critiques	critique	NOUN
cblr-2965	1328	26	of	of	ADP
cblr-2965	1328	27	the	the	DET
cblr-2965	1328	28	opacity	opacity	NOUN
cblr-2965	1328	29	of	of	ADP
cblr-2965	1328	30	fund	fund	NOUN
cblr-2965	1328	31	disclosure.34	disclosure.34	NOUN
cblr-2965	1328	32	°	°	NOUN
cblr-2965	1328	33	in	in	ADP
cblr-2965	1328	34	short	short	ADJ
cblr-2965	1328	35	,	,	PUNCT
cblr-2965	1328	36	in	in	ADP
cblr-2965	1328	37	developing	develop	VERB
cblr-2965	1328	38	its	its	PRON
cblr-2965	1328	39	understanding	understanding	NOUN
cblr-2965	1328	40	of	of	ADP
cblr-2965	1328	41	the	the	DET
cblr-2965	1328	42	mutual	mutual	ADJ
cblr-2965	1328	43	fund	fund	NOUN
cblr-2965	1328	44	investor	investor	NOUN
cblr-2965	1328	45	,	,	PUNCT
cblr-2965	1328	46	the	the	DET
cblr-2965	1328	47	sec	sec	PROPN
cblr-2965	1328	48	has	have	AUX
cblr-2965	1328	49	essentially	essentially	ADV
cblr-2965	1328	50	ignored	ignore	VERB
cblr-2965	1328	51	the	the	DET
cblr-2965	1328	52	academic	academic	ADJ
cblr-2965	1328	53	literature	literature	NOUN
cblr-2965	1328	54	,	,	PUNCT
cblr-2965	1328	55	instead	instead	ADV
cblr-2965	1328	56	relying	rely	VERB
cblr-2965	1328	57	heavily	heavily	ADV
cblr-2965	1328	58	on	on	ADP
cblr-2965	1328	59	the	the	DET
cblr-2965	1328	60	fund	fund	NOUN
cblr-2965	1328	61	industry	industry	NOUN
cblr-2965	1328	62	itself	itself	PRON
cblr-2965	1328	63	.	.	PUNCT
cblr-2965	1329	1	interestingly	interestingly	ADV
cblr-2965	1329	2	,	,	PUNCT
cblr-2965	1329	3	the	the	DET
cblr-2965	1329	4	need	need	NOUN
cblr-2965	1329	5	to	to	PART
cblr-2965	1329	6	pay	pay	VERB
cblr-2965	1329	7	attention	attention	NOUN
cblr-2965	1329	8	to	to	ADP
cblr-2965	1329	9	academic	academic	ADJ
cblr-2965	1329	10	research	research	NOUN
cblr-2965	1329	11	is	be	AUX
cblr-2965	1329	12	not	not	PART
cblr-2965	1329	13	lost	lose	VERB
cblr-2965	1329	14	on	on	ADP
cblr-2965	1329	15	everyone	everyone	PRON
cblr-2965	1329	16	in	in	ADP
cblr-2965	1329	17	the	the	DET
cblr-2965	1329	18	agency	agency	NOUN
cblr-2965	1329	19	.	.	PUNCT
cblr-2965	1330	1	in	in	ADP
cblr-2965	1330	2	a	a	DET
cblr-2965	1330	3	recent	recent	ADJ
cblr-2965	1330	4	speech	speech	NOUN
cblr-2965	1330	5	,	,	PUNCT
cblr-2965	1330	6	brian	brian	PROPN
cblr-2965	1330	7	cartwright	cartwright	PROPN
cblr-2965	1330	8	,	,	PUNCT
cblr-2965	1330	9	the	the	DET
cblr-2965	1330	10	general	general	ADJ
cblr-2965	1330	11	counsel	counsel	NOUN
cblr-2965	1330	12	of	of	ADP
cblr-2965	1330	13	the	the	DET
cblr-2965	1330	14	sec	sec	PROPN
cblr-2965	1330	15	,	,	PUNCT
cblr-2965	1330	16	pointed	point	VERB
cblr-2965	1330	17	out	out	ADP
cblr-2965	1330	18	that	that	SCONJ
cblr-2965	1330	19	:	:	PUNCT
cblr-2965	1330	20	given	give	VERB
cblr-2965	1330	21	the	the	DET
cblr-2965	1330	22	practical	practical	ADJ
cblr-2965	1330	23	applications	application	NOUN
cblr-2965	1330	24	of	of	ADP
cblr-2965	1330	25	theoretical	theoretical	ADJ
cblr-2965	1330	26	finance	finance	NOUN
cblr-2965	1330	27	,	,	PUNCT
cblr-2965	1330	28	it	it	PRON
cblr-2965	1330	29	's	be	AUX
cblr-2965	1330	30	not	not	PART
cblr-2965	1330	31	surprising	surprising	ADJ
cblr-2965	1330	32	that	that	SCONJ
cblr-2965	1330	33	today	today	NOUN
cblr-2965	1330	34	's	's	PART
cblr-2965	1330	35	hedge	hedge	NOUN
cblr-2965	1330	36	fund	fund	NOUN
cblr-2965	1330	37	managers	manager	NOUN
cblr-2965	1330	38	regularly	regularly	ADV
cblr-2965	1330	39	turn	turn	VERB
cblr-2965	1330	40	up	up	ADP
cblr-2965	1330	41	at	at	ADP
cblr-2965	1330	42	academic	academic	ADJ
cblr-2965	1330	43	conferences	conference	NOUN
cblr-2965	1330	44	and	and	CCONJ
cblr-2965	1330	45	eagerly	eagerly	ADV
cblr-2965	1330	46	scour	scour	VERB
cblr-2965	1330	47	the	the	DET
cblr-2965	1330	48	academic	academic	ADJ
cblr-2965	1330	49	literature	literature	NOUN
cblr-2965	1330	50	for	for	ADP
cblr-2965	1330	51	the	the	DET
cblr-2965	1330	52	next	next	ADJ
cblr-2965	1330	53	big	big	ADJ
cblr-2965	1330	54	thing	thing	NOUN
cblr-2965	1330	55	.	.	PUNCT
cblr-2965	1331	1	regulators	regulator	NOUN
cblr-2965	1331	2	should	should	AUX
cblr-2965	1331	3	too	too	ADV
cblr-2965	1331	4	.	.	PUNCT
cblr-2965	1332	1	if	if	SCONJ
cblr-2965	1332	2	the	the	DET
cblr-2965	1332	3	investment	investment	NOUN
cblr-2965	1332	4	choice	choice	NOUN
cblr-2965	1332	5	most	most	ADV
cblr-2965	1332	6	important	important	ADJ
cblr-2965	1332	7	for	for	ADP
cblr-2965	1332	8	retail	retail	ADJ
cblr-2965	1332	9	investors	investor	NOUN
cblr-2965	1332	10	these	these	DET
cblr-2965	1332	11	days	day	NOUN
cblr-2965	1332	12	is	be	AUX
cblr-2965	1332	13	not	not	PART
cblr-2965	1332	14	which	which	DET
cblr-2965	1332	15	stock	stock	NOUN
cblr-2965	1332	16	or	or	CCONJ
cblr-2965	1332	17	bond	bond	NOUN
cblr-2965	1332	18	to	to	PART
cblr-2965	1332	19	buy	buy	VERB
cblr-2965	1332	20	,	,	PUNCT
cblr-2965	1332	21	but	but	CCONJ
cblr-2965	1332	22	which	which	DET
cblr-2965	1332	23	fund	fund	NOUN
cblr-2965	1332	24	(	(	PUNCT
cblr-2965	1332	25	or	or	CCONJ
cblr-2965	1332	26	other	other	ADJ
cblr-2965	1332	27	intermediary	intermediary	NOUN
cblr-2965	1332	28	)	)	PUNCT
cblr-2965	1332	29	to	to	PART
cblr-2965	1332	30	choose	choose	VERB
cblr-2965	1332	31	,	,	PUNCT
cblr-2965	1332	32	we	we	PRON
cblr-2965	1332	33	need	need	VERB
cblr-2965	1332	34	to	to	PART
cblr-2965	1332	35	find	find	VERB
cblr-2965	1332	36	ways	way	NOUN
cblr-2965	1332	37	to	to	PART
cblr-2965	1332	38	apply	apply	VERB
cblr-2965	1332	39	the	the	DET
cblr-2965	1332	40	insights	insight	NOUN
cblr-2965	1332	41	recent	recent	ADJ
cblr-2965	1332	42	finance	finance	NOUN
cblr-2965	1332	43	theory	theory	NOUN
cblr-2965	1332	44	has	have	AUX
cblr-2965	1332	45	given	give	VERB
cblr-2965	1332	46	us	we	PRON
cblr-2965	1332	47	in	in	ADP
cblr-2965	1332	48	the	the	DET
cblr-2965	1332	49	service	service	NOUN
cblr-2965	1332	50	of	of	ADP
cblr-2965	1332	51	retail	retail	ADJ
cblr-2965	1332	52	investors	investor	NOUN
cblr-2965	1332	53	341	341	NUM
cblr-2965	1332	54	this	this	PRON
cblr-2965	1332	55	would	would	AUX
cblr-2965	1332	56	be	be	AUX
cblr-2965	1332	57	a	a	DET
cblr-2965	1332	58	step	step	NOUN
cblr-2965	1332	59	in	in	ADP
cblr-2965	1332	60	the	the	DET
cblr-2965	1332	61	right	right	ADJ
cblr-2965	1332	62	direction	direction	NOUN
cblr-2965	1332	63	.	.	PUNCT
cblr-2965	1333	1	338	338	NUM
cblr-2965	1333	2	amendments	amendment	NOUN
cblr-2965	1333	3	to	to	ADP
cblr-2965	1333	4	investment	investment	NOUN
cblr-2965	1333	5	company	company	NOUN
cblr-2965	1333	6	advertising	advertising	NOUN
cblr-2965	1333	7	rules	rule	NOUN
cblr-2965	1333	8	,	,	PUNCT
cblr-2965	1333	9	supra	supra	PROPN
cblr-2965	1333	10	note	note	NOUN
cblr-2965	1333	11	71	71	NUM
cblr-2965	1333	12	.	.	PUNCT
cblr-2965	1333	13	...	...	PUNCT
cblr-2965	1334	1	shareholder	shareholder	NOUN
cblr-2965	1334	2	reports	report	NOUN
cblr-2965	1334	3	and	and	CCONJ
cblr-2965	1334	4	quarterly	quarterly	ADJ
cblr-2965	1334	5	portfolio	portfolio	NOUN
cblr-2965	1334	6	disclosure	disclosure	NOUN
cblr-2965	1334	7	of	of	ADP
cblr-2965	1334	8	registered	register	VERB
cblr-2965	1334	9	management	management	NOUN
cblr-2965	1334	10	investment	investment	NOUN
cblr-2965	1334	11	companies	company	NOUN
cblr-2965	1334	12	,	,	PUNCT
cblr-2965	1334	13	supra	supra	PROPN
cblr-2965	1334	14	note	note	NOUN
cblr-2965	1334	15	145	145	NUM
cblr-2965	1334	16	.	.	NOUN
cblr-2965	1334	17	340	340	NUM
cblr-2965	1334	18	see	see	NOUN
cblr-2965	1334	19	,	,	PUNCT
cblr-2965	1334	20	e.g.	e.g.	ADV
cblr-2965	1334	21	,	,	PUNCT
cblr-2965	1334	22	registration	registration	NOUN
cblr-2965	1334	23	form	form	NOUN
cblr-2965	1334	24	used	use	VERB
cblr-2965	1334	25	by	by	ADP
cblr-2965	1334	26	open	open	ADJ
cblr-2965	1334	27	-	-	PUNCT
cblr-2965	1334	28	end	end	NOUN
cblr-2965	1334	29	management	management	NOUN
cblr-2965	1334	30	investment	investment	NOUN
cblr-2965	1334	31	companies	company	NOUN
cblr-2965	1334	32	,	,	PUNCT
cblr-2965	1334	33	63	63	NUM
cblr-2965	1334	34	fed	feed	VERB
cblr-2965	1334	35	.	.	PUNCT
cblr-2965	1335	1	reg	reg	NOUN
cblr-2965	1335	2	.	.	PROPN
cblr-2965	1336	1	13,916	13,916	NUM
cblr-2965	1336	2	n.4	n.4	NOUN
cblr-2965	1336	3	,	,	PUNCT
cblr-2965	1336	4	13,933	13,933	NUM
cblr-2965	1336	5	n.150	n.150	NUM
cblr-2965	1336	6	.	.	PUNCT
cblr-2965	1337	1	141	141	NUM
cblr-2965	1337	2	brian	brian	PROPN
cblr-2965	1337	3	g.	g.	PROPN
cblr-2965	1337	4	cartwright	cartwright	PROPN
cblr-2965	1337	5	,	,	PUNCT
cblr-2965	1337	6	general	general	ADJ
cblr-2965	1337	7	counsel	counsel	NOUN
cblr-2965	1337	8	,	,	PUNCT
cblr-2965	1337	9	sec	sec	PROPN
cblr-2965	1337	10	,	,	PUNCT
cblr-2965	1337	11	remarks	remark	VERB
cblr-2965	1337	12	at	at	ADP
cblr-2965	1337	13	the	the	DET
cblr-2965	1337	14	university	university	PROPN
cblr-2965	1337	15	of	of	ADP
cblr-2965	1337	16	pennsylvania	pennsylvania	PROPN
cblr-2965	1337	17	law	law	PROPN
cblr-2965	1337	18	school	school	PROPN
cblr-2965	1337	19	institute	institute	PROPN
cblr-2965	1337	20	for	for	ADP
cblr-2965	1337	21	law	law	NOUN
cblr-2965	1337	22	and	and	CCONJ
cblr-2965	1337	23	economics	economic	NOUN
cblr-2965	1337	24	:	:	PUNCT
cblr-2965	1337	25	the	the	DET
cblr-2965	1337	26	future	future	NOUN
cblr-2965	1337	27	of	of	ADP
cblr-2965	1337	28	securities	security	NOUN
cblr-2965	1337	29	regulation	regulation	NOUN
cblr-2965	1337	30	(	(	PUNCT
cblr-2965	1337	31	oct	oct	PROPN
cblr-2965	1337	32	.	.	PROPN
cblr-2965	1337	33	24	24	NUM
cblr-2965	1337	34	,	,	PUNCT
cblr-2965	1337	35	2007	2007	NUM
cblr-2965	1337	36	)	)	PUNCT
cblr-2965	1337	37	,	,	PUNCT
cblr-2965	1337	38	http://www.sec.gov/news/speech/2007/spch102407bgc.htm	http://www.sec.gov/news/speech/2007/spch102407bgc.htm	PROPN
cblr-2965	1337	39	.	.	PUNCT
cblr-2965	1338	1	no	no	INTJ
cblr-2965	1338	2	.	.	PUNCT
cblr-2965	1339	1	3:934	3:934	X
cblr-2965	1339	2	]	]	X
cblr-2965	1339	3	mutual	mutual	ADJ
cblr-2965	1339	4	fund	fund	NOUN
cblr-2965	1339	5	investors	investors	PROPN
cblr-2965	1339	6	columbia	columbia	PROPN
cblr-2965	1339	7	business	business	PROPN
cblr-2965	1339	8	la	la	PROPN
cblr-2965	1339	9	w	w	PROPN
cblr-2965	1339	10	review	review	PROPN
cblr-2965	1339	11	vii	vii	PROPN
cblr-2965	1339	12	.	.	PROPN
cblr-2965	1339	13	conclusion	conclusion	NOUN
cblr-2965	1339	14	saving	save	VERB
cblr-2965	1339	15	for	for	ADP
cblr-2965	1339	16	one	one	NUM
cblr-2965	1339	17	's	's	PART
cblr-2965	1339	18	retirement	retirement	NOUN
cblr-2965	1339	19	is	be	AUX
cblr-2965	1339	20	a	a	DET
cblr-2965	1339	21	relatively	relatively	ADV
cblr-2965	1339	22	recent	recent	ADJ
cblr-2965	1339	23	phenomenon	phenomenon	NOUN
cblr-2965	1339	24	.	.	PUNCT
cblr-2965	1340	1	seven	seven	NUM
cblr-2965	1340	2	decades	decade	NOUN
cblr-2965	1340	3	ago	ago	ADV
cblr-2965	1340	4	our	our	PRON
cblr-2965	1340	5	national	national	PROPN
cblr-2965	1340	6	retirement	retirement	PROPN
cblr-2965	1340	7	program	program	NOUN
cblr-2965	1340	8	was	be	AUX
cblr-2965	1340	9	entrusted	entrust	VERB
cblr-2965	1340	10	to	to	ADP
cblr-2965	1340	11	a	a	DET
cblr-2965	1340	12	federal	federal	ADJ
cblr-2965	1340	13	bureaucracy	bureaucracy	NOUN
cblr-2965	1340	14	.	.	PUNCT
cblr-2965	1341	1	two	two	NUM
cblr-2965	1341	2	decades	decade	NOUN
cblr-2965	1341	3	later	later	ADV
cblr-2965	1341	4	,	,	PUNCT
cblr-2965	1341	5	our	our	PRON
cblr-2965	1341	6	private	private	ADJ
cblr-2965	1341	7	retirement	retirement	NOUN
cblr-2965	1341	8	savings	saving	NOUN
cblr-2965	1341	9	moved	move	VERB
cblr-2965	1341	10	to	to	ADP
cblr-2965	1341	11	company	company	NOUN
cblr-2965	1341	12	and	and	CCONJ
cblr-2965	1341	13	government	government	NOUN
cblr-2965	1341	14	pension	pension	NOUN
cblr-2965	1341	15	plans	plan	NOUN
cblr-2965	1341	16	,	,	PUNCT
cblr-2965	1341	17	administered	administer	VERB
cblr-2965	1341	18	by	by	ADP
cblr-2965	1341	19	professional	professional	ADJ
cblr-2965	1341	20	money	money	NOUN
cblr-2965	1341	21	managers	manager	NOUN
cblr-2965	1341	22	.	.	PUNCT
cblr-2965	1342	1	today	today	NOUN
cblr-2965	1342	2	as	as	SCONJ
cblr-2965	1342	3	social	social	ADJ
cblr-2965	1342	4	security	security	NOUN
cblr-2965	1342	5	becomes	become	VERB
cblr-2965	1342	6	less	less	ADV
cblr-2965	1342	7	certain	certain	ADJ
cblr-2965	1342	8	and	and	CCONJ
cblr-2965	1342	9	defined	define	VERB
cblr-2965	1342	10	-	-	PUNCT
cblr-2965	1342	11	benefit	benefit	NOUN
cblr-2965	1342	12	pension	pension	NOUN
cblr-2965	1342	13	plans	plan	NOUN
cblr-2965	1342	14	give	give	VERB
cblr-2965	1342	15	way	way	NOUN
cblr-2965	1342	16	to	to	ADP
cblr-2965	1342	17	defined	define	VERB
cblr-2965	1342	18	-	-	PUNCT
cblr-2965	1342	19	contribution	contribution	NOUN
cblr-2965	1342	20	plans	plan	NOUN
cblr-2965	1342	21	,	,	PUNCT
cblr-2965	1342	22	our	our	PRON
cblr-2965	1342	23	retirement	retirement	NOUN
cblr-2965	1342	24	savings	saving	NOUN
cblr-2965	1342	25	have	have	AUX
cblr-2965	1342	26	moved	move	VERB
cblr-2965	1342	27	to	to	ADP
cblr-2965	1342	28	mutual	mutual	ADJ
cblr-2965	1342	29	funds	fund	NOUN
cblr-2965	1342	30	.	.	PUNCT
cblr-2965	1343	1	in	in	ADP
cblr-2965	1343	2	the	the	DET
cblr-2965	1343	3	process	process	NOUN
cblr-2965	1343	4	,	,	PUNCT
cblr-2965	1343	5	fund	fund	NOUN
cblr-2965	1343	6	investors	investor	NOUN
cblr-2965	1343	7	have	have	AUX
cblr-2965	1343	8	found	find	VERB
cblr-2965	1343	9	themselves	themselves	PRON
cblr-2965	1343	10	responsible	responsible	ADJ
cblr-2965	1343	11	for	for	ADP
cblr-2965	1343	12	making	make	VERB
cblr-2965	1343	13	the	the	DET
cblr-2965	1343	14	essential	essential	ADJ
cblr-2965	1343	15	investment	investment	NOUN
cblr-2965	1343	16	choices	choice	NOUN
cblr-2965	1343	17	regarding	regard	VERB
cblr-2965	1343	18	their	their	PRON
cblr-2965	1343	19	own	own	ADJ
cblr-2965	1343	20	retirement	retirement	NOUN
cblr-2965	1343	21	savings	saving	NOUN
cblr-2965	1343	22	.	.	PUNCT
cblr-2965	1344	1	are	be	AUX
cblr-2965	1344	2	mutual	mutual	ADJ
cblr-2965	1344	3	fund	fund	NOUN
cblr-2965	1344	4	investors	investor	NOUN
cblr-2965	1344	5	up	up	ADP
cblr-2965	1344	6	to	to	ADP
cblr-2965	1344	7	this	this	DET
cblr-2965	1344	8	heady	heady	ADJ
cblr-2965	1344	9	new	new	ADJ
cblr-2965	1344	10	role	role	NOUN
cblr-2965	1344	11	?	?	PUNCT
cblr-2965	1345	1	the	the	DET
cblr-2965	1345	2	mutual	mutual	ADJ
cblr-2965	1345	3	fund	fund	NOUN
cblr-2965	1345	4	industry	industry	NOUN
cblr-2965	1345	5	takes	take	VERB
cblr-2965	1345	6	the	the	DET
cblr-2965	1345	7	position	position	NOUN
cblr-2965	1345	8	that	that	PRON
cblr-2965	1345	9	fund	fund	NOUN
cblr-2965	1345	10	investors	investor	NOUN
cblr-2965	1345	11	are	be	AUX
cblr-2965	1345	12	mostly	mostly	ADV
cblr-2965	1345	13	knowledgeable	knowledgeable	ADJ
cblr-2965	1345	14	and	and	CCONJ
cblr-2965	1345	15	capable	capable	ADJ
cblr-2965	1345	16	,	,	PUNCT
cblr-2965	1345	17	although	although	SCONJ
cblr-2965	1345	18	they	they	PRON
cblr-2965	1345	19	could	could	AUX
cblr-2965	1345	20	always	always	ADV
cblr-2965	1345	21	use	use	VERB
cblr-2965	1345	22	even	even	ADV
cblr-2965	1345	23	more	more	ADV
cblr-2965	1345	24	simplified	simplified	ADJ
cblr-2965	1345	25	disclosure	disclosure	NOUN
cblr-2965	1345	26	.	.	PUNCT
cblr-2965	1346	1	the	the	DET
cblr-2965	1346	2	sec	sec	PROPN
cblr-2965	1346	3	,	,	PUNCT
cblr-2965	1346	4	the	the	DET
cblr-2965	1346	5	regulator	regulator	NOUN
cblr-2965	1346	6	on	on	ADP
cblr-2965	1346	7	behalf	behalf	NOUN
cblr-2965	1346	8	of	of	ADP
cblr-2965	1346	9	fund	fund	NOUN
cblr-2965	1346	10	investors	investor	NOUN
cblr-2965	1346	11	,	,	PUNCT
cblr-2965	1346	12	has	have	AUX
cblr-2965	1346	13	expressed	express	VERB
cblr-2965	1346	14	some	some	DET
cblr-2965	1346	15	concern	concern	NOUN
cblr-2965	1346	16	about	about	ADP
cblr-2965	1346	17	investors	investor	NOUN
cblr-2965	1346	18	'	'	PART
cblr-2965	1346	19	capabilities	capability	NOUN
cblr-2965	1346	20	but	but	CCONJ
cblr-2965	1346	21	has	have	AUX
cblr-2965	1346	22	sought	seek	VERB
cblr-2965	1346	23	to	to	PART
cblr-2965	1346	24	address	address	VERB
cblr-2965	1346	25	these	these	DET
cblr-2965	1346	26	concerns	concern	NOUN
cblr-2965	1346	27	through	through	ADP
cblr-2965	1346	28	required	require	VERB
cblr-2965	1346	29	warnings	warning	NOUN
cblr-2965	1346	30	and	and	CCONJ
cblr-2965	1346	31	simplified	simplified	ADJ
cblr-2965	1346	32	disclosure	disclosure	NOUN
cblr-2965	1346	33	,	,	PUNCT
cblr-2965	1346	34	with	with	ADP
cblr-2965	1346	35	a	a	DET
cblr-2965	1346	36	casual	casual	ADJ
cblr-2965	1346	37	nod	nod	NOUN
cblr-2965	1346	38	to	to	ADP
cblr-2965	1346	39	more	more	ADJ
cblr-2965	1346	40	investor	investor	NOUN
cblr-2965	1346	41	education	education	NOUN
cblr-2965	1346	42	.	.	PUNCT
cblr-2965	1347	1	unfortunately	unfortunately	ADV
cblr-2965	1347	2	,	,	PUNCT
cblr-2965	1347	3	however	however	ADV
cblr-2965	1347	4	,	,	PUNCT
cblr-2965	1347	5	an	an	DET
cblr-2965	1347	6	extensive	extensive	ADJ
cblr-2965	1347	7	academic	academic	ADJ
cblr-2965	1347	8	literature	literature	NOUN
cblr-2965	1347	9	finds	find	VERB
cblr-2965	1347	10	that	that	SCONJ
cblr-2965	1347	11	mutual	mutual	ADJ
cblr-2965	1347	12	fund	fund	NOUN
cblr-2965	1347	13	investors	investor	NOUN
cblr-2965	1347	14	remain	remain	VERB
cblr-2965	1347	15	largely	largely	ADV
cblr-2965	1347	16	ignorant	ignorant	ADJ
cblr-2965	1347	17	of	of	ADP
cblr-2965	1347	18	even	even	ADV
cblr-2965	1347	19	the	the	DET
cblr-2965	1347	20	basics	basic	NOUN
cblr-2965	1347	21	of	of	ADP
cblr-2965	1347	22	their	their	PRON
cblr-2965	1347	23	mutual	mutual	ADJ
cblr-2965	1347	24	funds	fund	NOUN
cblr-2965	1347	25	and	and	CCONJ
cblr-2965	1347	26	chase	chase	NOUN
cblr-2965	1347	27	past	past	ADJ
cblr-2965	1347	28	returns	return	NOUN
cblr-2965	1347	29	while	while	SCONJ
cblr-2965	1347	30	neglecting	neglect	VERB
cblr-2965	1347	31	fund	fund	NOUN
cblr-2965	1347	32	risks	risk	NOUN
cblr-2965	1347	33	and	and	CCONJ
cblr-2965	1347	34	costs	cost	NOUN
cblr-2965	1347	35	.	.	PUNCT
cblr-2965	1348	1	the	the	DET
cblr-2965	1348	2	fund	fund	NOUN
cblr-2965	1348	3	industry	industry	NOUN
cblr-2965	1348	4	,	,	PUNCT
cblr-2965	1348	5	while	while	SCONJ
cblr-2965	1348	6	painting	paint	VERB
cblr-2965	1348	7	a	a	DET
cblr-2965	1348	8	favorable	favorable	ADJ
cblr-2965	1348	9	portrait	portrait	NOUN
cblr-2965	1348	10	of	of	ADP
cblr-2965	1348	11	fund	fund	NOUN
cblr-2965	1348	12	investors	investor	NOUN
cblr-2965	1348	13	,	,	PUNCT
cblr-2965	1348	14	benefits	benefit	NOUN
cblr-2965	1348	15	from	from	ADP
cblr-2965	1348	16	investor	investor	NOUN
cblr-2965	1348	17	ignorance	ignorance	NOUN
cblr-2965	1348	18	.	.	PUNCT
cblr-2965	1349	1	the	the	DET
cblr-2965	1349	2	industry	industry	NOUN
cblr-2965	1349	3	earns	earn	VERB
cblr-2965	1349	4	fees	fee	NOUN
cblr-2965	1349	5	based	base	VERB
cblr-2965	1349	6	on	on	ADP
cblr-2965	1349	7	assets	asset	NOUN
cblr-2965	1349	8	under	under	ADP
cblr-2965	1349	9	management	management	NOUN
cblr-2965	1349	10	,	,	PUNCT
cblr-2965	1349	11	and	and	CCONJ
cblr-2965	1349	12	investors	investor	NOUN
cblr-2965	1349	13	who	who	PRON
cblr-2965	1349	14	pay	pay	VERB
cblr-2965	1349	15	little	little	ADJ
cblr-2965	1349	16	attention	attention	NOUN
cblr-2965	1349	17	to	to	ADP
cblr-2965	1349	18	fund	fund	NOUN
cblr-2965	1349	19	costs	cost	NOUN
cblr-2965	1349	20	create	create	VERB
cblr-2965	1349	21	little	little	ADJ
cblr-2965	1349	22	pressure	pressure	NOUN
cblr-2965	1349	23	to	to	PART
cblr-2965	1349	24	lower	lower	VERB
cblr-2965	1349	25	these	these	DET
cblr-2965	1349	26	costs	cost	NOUN
cblr-2965	1349	27	.	.	PUNCT
cblr-2965	1350	1	in	in	ADP
cblr-2965	1350	2	addition	addition	NOUN
cblr-2965	1350	3	,	,	PUNCT
cblr-2965	1350	4	investors	investor	NOUN
cblr-2965	1350	5	'	'	PART
cblr-2965	1350	6	tendency	tendency	NOUN
cblr-2965	1350	7	to	to	PART
cblr-2965	1350	8	chase	chase	VERB
cblr-2965	1350	9	past	past	ADJ
cblr-2965	1350	10	returns	return	NOUN
cblr-2965	1350	11	makes	make	VERB
cblr-2965	1350	12	promoting	promote	VERB
cblr-2965	1350	13	past	past	ADJ
cblr-2965	1350	14	winners	winner	NOUN
cblr-2965	1350	15	an	an	DET
cblr-2965	1350	16	effective	effective	ADJ
cblr-2965	1350	17	marketing	marketing	NOUN
cblr-2965	1350	18	method	method	NOUN
cblr-2965	1350	19	.	.	PUNCT
cblr-2965	1351	1	so	so	ADV
cblr-2965	1351	2	long	long	ADV
cblr-2965	1351	3	as	as	SCONJ
cblr-2965	1351	4	investors	investor	NOUN
cblr-2965	1351	5	pay	pay	VERB
cblr-2965	1351	6	insufficient	insufficient	ADJ
cblr-2965	1351	7	attention	attention	NOUN
cblr-2965	1351	8	to	to	ADP
cblr-2965	1351	9	fund	fund	NOUN
cblr-2965	1351	10	costs	cost	NOUN
cblr-2965	1351	11	,	,	PUNCT
cblr-2965	1351	12	the	the	DET
cblr-2965	1351	13	industry	industry	NOUN
cblr-2965	1351	14	has	have	VERB
cblr-2965	1351	15	an	an	DET
cblr-2965	1351	16	unassailable	unassailable	ADJ
cblr-2965	1351	17	and	and	CCONJ
cblr-2965	1351	18	highly	highly	ADV
cblr-2965	1351	19	profitable	profitable	ADJ
cblr-2965	1351	20	business	business	NOUN
cblr-2965	1351	21	model	model	NOUN
cblr-2965	1351	22	.	.	PUNCT
cblr-2965	1352	1	furthermore	furthermore	ADV
cblr-2965	1352	2	,	,	PUNCT
cblr-2965	1352	3	the	the	DET
cblr-2965	1352	4	industry	industry	NOUN
cblr-2965	1352	5	's	's	PART
cblr-2965	1352	6	favorable	favorable	ADJ
cblr-2965	1352	7	portrait	portrait	NOUN
cblr-2965	1352	8	of	of	ADP
cblr-2965	1352	9	fund	fund	NOUN
cblr-2965	1352	10	investors	investor	NOUN
cblr-2965	1352	11	undercuts	undercut	VERB
cblr-2965	1352	12	the	the	DET
cblr-2965	1352	13	need	need	NOUN
cblr-2965	1352	14	for	for	ADP
cblr-2965	1352	15	regulatory	regulatory	ADJ
cblr-2965	1352	16	protection	protection	NOUN
cblr-2965	1352	17	.	.	PUNCT
cblr-2965	1353	1	by	by	ADP
cblr-2965	1353	2	advancing	advance	VERB
cblr-2965	1353	3	the	the	DET
cblr-2965	1353	4	notion	notion	NOUN
cblr-2965	1353	5	of	of	ADP
cblr-2965	1353	6	a	a	DET
cblr-2965	1353	7	functioning	functioning	ADJ
cblr-2965	1353	8	,	,	PUNCT
cblr-2965	1353	9	investor	investor	NOUN
cblr-2965	1353	10	-	-	PUNCT
cblr-2965	1353	11	driven	drive	VERB
cblr-2965	1353	12	[	[	X
cblr-2965	1353	13	vol	vol	NOUN
cblr-2965	1353	14	.	.	NOUN
cblr-2965	1353	15	2008	2008	NUM
cblr-2965	1353	16	market	market	NOUN
cblr-2965	1353	17	,	,	PUNCT
cblr-2965	1353	18	the	the	DET
cblr-2965	1353	19	ici	ici	NOUN
cblr-2965	1353	20	discourages	discourage	VERB
cblr-2965	1353	21	intrusive	intrusive	ADJ
cblr-2965	1353	22	regulation	regulation	NOUN
cblr-2965	1353	23	of	of	ADP
cblr-2965	1353	24	the	the	DET
cblr-2965	1353	25	industry	industry	NOUN
cblr-2965	1353	26	.	.	PUNCT
cblr-2965	1354	1	the	the	DET
cblr-2965	1354	2	ici	ici	NOUN
cblr-2965	1354	3	has	have	AUX
cblr-2965	1354	4	masterfully	masterfully	ADV
cblr-2965	1354	5	played	play	VERB
cblr-2965	1354	6	the	the	DET
cblr-2965	1354	7	role	role	NOUN
cblr-2965	1354	8	of	of	ADP
cblr-2965	1354	9	supporting	support	VERB
cblr-2965	1354	10	disclosure	disclosure	NOUN
cblr-2965	1354	11	-	-	PUNCT
cblr-2965	1354	12	simplification	simplification	NOUN
cblr-2965	1354	13	reforms	reform	NOUN
cblr-2965	1354	14	in	in	ADP
cblr-2965	1354	15	the	the	DET
cblr-2965	1354	16	name	name	NOUN
cblr-2965	1354	17	of	of	ADP
cblr-2965	1354	18	investor	investor	NOUN
cblr-2965	1354	19	empowerment	empowerment	NOUN
cblr-2965	1354	20	,	,	PUNCT
cblr-2965	1354	21	while	while	SCONJ
cblr-2965	1354	22	resisting	resist	VERB
cblr-2965	1354	23	providing	provide	VERB
cblr-2965	1354	24	clear	clear	ADJ
cblr-2965	1354	25	,	,	PUNCT
cblr-2965	1354	26	comparative	comparative	ADJ
cblr-2965	1354	27	information	information	NOUN
cblr-2965	1354	28	regarding	regard	VERB
cblr-2965	1354	29	fund	fund	NOUN
cblr-2965	1354	30	costs	cost	NOUN
cblr-2965	1354	31	on	on	ADP
cblr-2965	1354	32	the	the	DET
cblr-2965	1354	33	grounds	ground	NOUN
cblr-2965	1354	34	that	that	SCONJ
cblr-2965	1354	35	investors	investor	NOUN
cblr-2965	1354	36	can	can	AUX
cblr-2965	1354	37	glean	glean	VERB
cblr-2965	1354	38	such	such	ADJ
cblr-2965	1354	39	information	information	NOUN
cblr-2965	1354	40	on	on	ADP
cblr-2965	1354	41	their	their	PRON
cblr-2965	1354	42	own	own	ADJ
cblr-2965	1354	43	.	.	PUNCT
cblr-2965	1355	1	the	the	DET
cblr-2965	1355	2	sec	sec	PROPN
cblr-2965	1355	3	has	have	AUX
cblr-2965	1355	4	undertaken	undertake	VERB
cblr-2965	1355	5	only	only	ADJ
cblr-2965	1355	6	marginal	marginal	ADJ
cblr-2965	1355	7	reforms	reform	NOUN
cblr-2965	1355	8	,	,	PUNCT
cblr-2965	1355	9	primarily	primarily	ADV
cblr-2965	1355	10	focused	focus	VERB
cblr-2965	1355	11	on	on	ADP
cblr-2965	1355	12	streamlined	streamlined	ADJ
cblr-2965	1355	13	disclosure	disclosure	NOUN
cblr-2965	1355	14	and	and	CCONJ
cblr-2965	1355	15	formulaic	formulaic	ADJ
cblr-2965	1355	16	warnings	warning	NOUN
cblr-2965	1355	17	.	.	PUNCT
cblr-2965	1356	1	relying	rely	VERB
cblr-2965	1356	2	significantly	significantly	ADV
cblr-2965	1356	3	on	on	ADP
cblr-2965	1356	4	the	the	DET
cblr-2965	1356	5	industry	industry	NOUN
cblr-2965	1356	6	for	for	ADP
cblr-2965	1356	7	information	information	NOUN
cblr-2965	1356	8	about	about	ADP
cblr-2965	1356	9	investor	investor	NOUN
cblr-2965	1356	10	needs	need	NOUN
cblr-2965	1356	11	,	,	PUNCT
cblr-2965	1356	12	the	the	DET
cblr-2965	1356	13	sec	sec	PROPN
cblr-2965	1356	14	has	have	AUX
cblr-2965	1356	15	largely	largely	ADV
cblr-2965	1356	16	accepted	accept	VERB
cblr-2965	1356	17	the	the	DET
cblr-2965	1356	18	story	story	NOUN
cblr-2965	1356	19	of	of	ADP
cblr-2965	1356	20	a	a	DET
cblr-2965	1356	21	well	well	ADV
cblr-2965	1356	22	-	-	PUNCT
cblr-2965	1356	23	functioning	function	VERB
cblr-2965	1356	24	market	market	NOUN
cblr-2965	1356	25	.	.	PUNCT
cblr-2965	1357	1	while	while	SCONJ
cblr-2965	1357	2	the	the	DET
cblr-2965	1357	3	sec	sec	PROPN
cblr-2965	1357	4	's	's	PART
cblr-2965	1357	5	reforms	reform	NOUN
cblr-2965	1357	6	play	play	VERB
cblr-2965	1357	7	around	around	ADP
cblr-2965	1357	8	the	the	DET
cblr-2965	1357	9	edges	edge	NOUN
cblr-2965	1357	10	of	of	ADP
cblr-2965	1357	11	addressing	address	VERB
cblr-2965	1357	12	investors	investor	NOUN
cblr-2965	1357	13	'	'	PART
cblr-2965	1357	14	inability	inability	NOUN
cblr-2965	1357	15	to	to	PART
cblr-2965	1357	16	fend	fend	VERB
cblr-2965	1357	17	for	for	ADP
cblr-2965	1357	18	themselves	themselves	PRON
cblr-2965	1357	19	,	,	PUNCT
cblr-2965	1357	20	the	the	DET
cblr-2965	1357	21	agency	agency	NOUN
cblr-2965	1357	22	seems	seem	VERB
cblr-2965	1357	23	in	in	ADP
cblr-2965	1357	24	denial	denial	NOUN
cblr-2965	1357	25	about	about	ADP
cblr-2965	1357	26	the	the	DET
cblr-2965	1357	27	extent	extent	NOUN
cblr-2965	1357	28	of	of	ADP
cblr-2965	1357	29	this	this	DET
cblr-2965	1357	30	problem	problem	NOUN
cblr-2965	1357	31	.	.	PUNCT
cblr-2965	1358	1	the	the	DET
cblr-2965	1358	2	sec	sec	PROPN
cblr-2965	1358	3	's	's	PART
cblr-2965	1358	4	almost	almost	ADV
cblr-2965	1358	5	complete	complete	ADJ
cblr-2965	1358	6	disregard	disregard	NOUN
cblr-2965	1358	7	of	of	ADP
cblr-2965	1358	8	academic	academic	ADJ
cblr-2965	1358	9	studies	study	NOUN
cblr-2965	1358	10	of	of	ADP
cblr-2965	1358	11	fund	fund	NOUN
cblr-2965	1358	12	investor	investor	NOUN
cblr-2965	1358	13	behavior	behavior	NOUN
cblr-2965	1358	14	ensures	ensure	VERB
cblr-2965	1358	15	that	that	SCONJ
cblr-2965	1358	16	investors	investor	NOUN
cblr-2965	1358	17	'	'	PART
cblr-2965	1358	18	limitations	limitation	NOUN
cblr-2965	1358	19	will	will	AUX
cblr-2965	1358	20	continue	continue	VERB
cblr-2965	1358	21	to	to	PART
cblr-2965	1358	22	be	be	AUX
cblr-2965	1358	23	greatly	greatly	ADV
cblr-2965	1358	24	underestimated	underestimate	VERB
cblr-2965	1358	25	,	,	PUNCT
cblr-2965	1358	26	and	and	CCONJ
cblr-2965	1358	27	that	that	SCONJ
cblr-2965	1358	28	any	any	DET
cblr-2965	1358	29	further	further	ADJ
cblr-2965	1358	30	reforms	reform	NOUN
cblr-2965	1358	31	will	will	AUX
cblr-2965	1358	32	miss	miss	VERB
cblr-2965	1358	33	their	their	PRON
cblr-2965	1358	34	mark	mark	NOUN
cblr-2965	1358	35	.	.	PUNCT
cblr-2965	1359	1	as	as	ADP
cblr-2965	1359	2	mutual	mutual	ADJ
cblr-2965	1359	3	fund	fund	NOUN
cblr-2965	1359	4	investors	investor	NOUN
cblr-2965	1359	5	,	,	PUNCT
cblr-2965	1359	6	our	our	PRON
cblr-2965	1359	7	financial	financial	ADJ
cblr-2965	1359	8	future	future	NOUN
cblr-2965	1359	9	has	have	AUX
cblr-2965	1359	10	been	be	AUX
cblr-2965	1359	11	placed	place	VERB
cblr-2965	1359	12	in	in	ADP
cblr-2965	1359	13	our	our	PRON
cblr-2965	1359	14	hands	hand	NOUN
cblr-2965	1359	15	.	.	PUNCT
cblr-2965	1360	1	and	and	CCONJ
cblr-2965	1360	2	,	,	PUNCT
cblr-2965	1360	3	as	as	SCONJ
cblr-2965	1360	4	pogo	pogo	NOUN
cblr-2965	1360	5	observed	observe	VERB
cblr-2965	1360	6	and	and	CCONJ
cblr-2965	1360	7	the	the	DET
cblr-2965	1360	8	sec	sec	PROPN
cblr-2965	1360	9	has	have	VERB
cblr-2965	1360	10	yet	yet	ADV
cblr-2965	1360	11	to	to	PART
cblr-2965	1360	12	fully	fully	ADV
cblr-2965	1360	13	recognize	recognize	VERB
cblr-2965	1360	14	,	,	PUNCT
cblr-2965	1360	15	"	"	PUNCT
cblr-2965	1360	16	we	we	PRON
cblr-2965	1360	17	have	have	AUX
cblr-2965	1360	18	met	meet	VERB
cblr-2965	1360	19	the	the	DET
cblr-2965	1360	20	enemy	enemy	NOUN
cblr-2965	1360	21	and	and	CCONJ
cblr-2965	1360	22	he	he	PRON
cblr-2965	1360	23	is	be	AUX
cblr-2965	1360	24	us	we	PRON
cblr-2965	1360	25	.	.	PUNCT
cblr-2965	1360	26	"	"	PUNCT
cblr-2965	1361	1	no	no	INTJ
cblr-2965	1361	2	.	.	PUNCT
cblr-2965	1362	1	3:934	3:934	X
cblr-2965	1362	2	]	]	X
cblr-2965	1362	3	mutual	mutual	ADJ
cblr-2965	1362	4	fund	fund	NOUN
cblr-2965	1362	5	investors	investors	PROPN
cblr-2965	1362	6	columbia	columbia	PROPN
cblr-2965	1362	7	business	business	PROPN
cblr-2965	1362	8	law	law	PROPN
cblr-2965	1362	9	review	review	NOUN
cblr-2965	1362	10	table	table	NOUN
cblr-2965	1362	11	1	1	NUM
cblr-2965	1362	12	:	:	PUNCT
cblr-2965	1362	13	sec	sec	PROPN
cblr-2965	1362	14	cites	cite	VERB
cblr-2965	1362	15	to	to	ADP
cblr-2965	1362	16	outside	outside	ADJ
cblr-2965	1362	17	sources	source	NOUN
cblr-2965	1362	18	topic	topic	NOUN
cblr-2965	1362	19	eq	eq	ADP
cblr-2965	1362	20	to	to	PART
cblr-2965	1362	21	w	w	PROPN
cblr-2965	1362	22	2	2	NUM
cblr-2965	1362	23	0	0	NUM
cblr-2965	1362	24	prospectus	prospectus	NOUN
cblr-2965	1362	25	disclosure	disclosure	NOUN
cblr-2965	1362	26	106	106	NUM
cblr-2965	1362	27	13	13	NUM
cblr-2965	1362	28	5	5	NUM
cblr-2965	1362	29	6	6	NUM
cblr-2965	1362	30	3	3	NUM
cblr-2965	1362	31	7	7	NUM
cblr-2965	1362	32	0	0	NUM
cblr-2965	1362	33	3	3	NUM
cblr-2965	1362	34	6	6	NUM
cblr-2965	1362	35	(	(	PUNCT
cblr-2965	1362	36	1998)a2	1998)a2	NUM
cblr-2965	1362	37	fund	fund	NOUN
cblr-2965	1362	38	profile	profile	NOUN
cblr-2965	1362	39	disclosure	disclosure	NOUN
cblr-2965	1362	40	63	63	NUM
cblr-2965	1362	41	4	4	NUM
cblr-2965	1362	42	0	0	NUM
cblr-2965	1362	43	0	0	NUM
cblr-2965	1362	44	7	7	NUM
cblr-2965	1362	45	4	4	NUM
cblr-2965	1362	46	0	0	NUM
cblr-2965	1362	47	1	1	NUM
cblr-2965	1362	48	2	2	NUM
cblr-2965	1362	49	(	(	PUNCT
cblr-2965	1362	50	1998	1998	NUM
cblr-2965	1362	51	)	)	PUNCT
cblr-2965	1362	52	33	33	NUM
cblr-2965	1362	53	dvertising	dvertise	VERB
cblr-2965	1362	54	les	le	NOUN
cblr-2965	1362	55	22	22	NUM
cblr-2965	1362	56	6	6	NUM
cblr-2965	1362	57	0	0	NUM
cblr-2965	1362	58	2	2	NUM
cblr-2965	1362	59	0	0	NUM
cblr-2965	1362	60	0	0	NUM
cblr-2965	1362	61	0	0	NUM
cblr-2965	1362	62	0	0	NUM
cblr-2965	1362	63	0	0	NUM
cblr-2965	1363	1	2003)344	2003)344	PROPN
cblr-2965	1363	2	hareholder	hareholder	ADJ
cblr-2965	1363	3	reports	report	NOUN
cblr-2965	1363	4	isclosure	isclosure	VERB
cblr-2965	1363	5	35	35	NUM
cblr-2965	1363	6	5	5	NUM
cblr-2965	1363	7	1	1	NUM
cblr-2965	1363	8	2	2	NUM
cblr-2965	1363	9	0	0	NUM
cblr-2965	1363	10	1	1	NUM
cblr-2965	1363	11	0	0	NUM
cblr-2965	1363	12	2	2	NUM
cblr-2965	1363	13	6	6	NUM
cblr-2965	1363	14	2004)345	2004)345	PROPN
cblr-2965	1363	15	portfolio	portfolio	NOUN
cblr-2965	1363	16	manager	manager	NOUN
cblr-2965	1363	17	disclosure	disclosure	VERB
cblr-2965	1363	18	27	27	NUM
cblr-2965	1363	19	0	0	NUM
cblr-2965	1363	20	0	0	NUM
cblr-2965	1363	21	0	0	NUM
cblr-2965	1363	22	0	0	NUM
cblr-2965	1363	23	0	0	NUM
cblr-2965	1363	24	0	0	NUM
cblr-2965	1363	25	0	0	NUM
cblr-2965	1363	26	0	0	NUM
cblr-2965	1364	1	(	(	PUNCT
cblr-2965	1364	2	2004)346	2004)346	NOUN
cblr-2965	1364	3	1	1	NUM
cblr-2965	1364	4	1	1	NUM
cblr-2965	1364	5	1	1	NUM
cblr-2965	1364	6	1	1	NUM
cblr-2965	1364	7	_	_	SYM
cblr-2965	1364	8	1	1	NUM
cblr-2965	1364	9	total	total	NOUN
cblr-2965	1364	10	253	253	NUM
cblr-2965	1364	11	28	28	NUM
cblr-2965	1364	12	6	6	NUM
cblr-2965	1364	13	10	10	NUM
cblr-2965	1364	14	10	10	NUM
cblr-2965	1364	15	12	12	NUM
cblr-2965	1364	16	0	0	NUM
cblr-2965	1364	17	6	6	NUM
cblr-2965	1364	18	14	14	NUM
cblr-2965	1364	19	342	342	NUM
cblr-2965	1364	20	registration	registration	NOUN
cblr-2965	1364	21	form	form	NOUN
cblr-2965	1364	22	used	use	VERB
cblr-2965	1364	23	by	by	ADP
cblr-2965	1364	24	open	open	ADJ
cblr-2965	1364	25	-	-	PUNCT
cblr-2965	1364	26	end	end	NOUN
cblr-2965	1364	27	management	management	NOUN
cblr-2965	1364	28	investment	investment	NOUN
cblr-2965	1364	29	companies	company	NOUN
cblr-2965	1364	30	,	,	PUNCT
cblr-2965	1364	31	63	63	NUM
cblr-2965	1364	32	fed	feed	VERB
cblr-2965	1364	33	.	.	PUNCT
cblr-2965	1365	1	reg	reg	PROPN
cblr-2965	1365	2	.	.	PUNCT
cblr-2965	1366	1	13,916	13,916	NUM
cblr-2965	1366	2	(	(	PUNCT
cblr-2965	1366	3	mar	mar	PROPN
cblr-2965	1366	4	.	.	PROPN
cblr-2965	1366	5	23	23	NUM
cblr-2965	1366	6	,	,	PUNCT
cblr-2965	1366	7	1998	1998	NUM
cblr-2965	1366	8	)	)	PUNCT
cblr-2965	1366	9	(	(	PUNCT
cblr-2965	1366	10	to	to	PART
cblr-2965	1366	11	be	be	AUX
cblr-2965	1366	12	codified	codify	VERB
cblr-2965	1366	13	at	at	ADP
cblr-2965	1366	14	17	17	NUM
cblr-2965	1366	15	c.f.r	c.f.r	NOUN
cblr-2965	1366	16	.	.	PUNCT
cblr-2965	1367	1	pt	pt	PROPN
cblr-2965	1367	2	.	.	PROPN
cblr-2965	1367	3	230	230	NUM
cblr-2965	1367	4	,	,	PUNCT
cblr-2965	1367	5	274	274	NUM
cblr-2965	1367	6	)	)	PUNCT
cblr-2965	1367	7	.	.	PUNCT
cblr-2965	1368	1	3	3	X
cblr-2965	1368	2	"	"	PUNCT
cblr-2965	1368	3	new	new	ADJ
cblr-2965	1368	4	disclosure	disclosure	NOUN
cblr-2965	1368	5	option	option	NOUN
cblr-2965	1368	6	for	for	ADP
cblr-2965	1368	7	open	open	ADJ
cblr-2965	1368	8	-	-	PUNCT
cblr-2965	1368	9	end	end	NOUN
cblr-2965	1368	10	management	management	NOUN
cblr-2965	1368	11	investment	investment	NOUN
cblr-2965	1368	12	companies	company	NOUN
cblr-2965	1368	13	,	,	PUNCT
cblr-2965	1368	14	63	63	NUM
cblr-2965	1368	15	fed	feed	VERB
cblr-2965	1368	16	.	.	PUNCT
cblr-2965	1369	1	reg	reg	PROPN
cblr-2965	1369	2	.	.	PROPN
cblr-2965	1370	1	13,968	13,968	NUM
cblr-2965	1370	2	(	(	PUNCT
cblr-2965	1370	3	mar	mar	PROPN
cblr-2965	1370	4	.	.	PROPN
cblr-2965	1370	5	23	23	NUM
cblr-2965	1370	6	,	,	PUNCT
cblr-2965	1370	7	1998	1998	NUM
cblr-2965	1370	8	)	)	PUNCT
cblr-2965	1370	9	(	(	PUNCT
cblr-2965	1370	10	to	to	PART
cblr-2965	1370	11	be	be	AUX
cblr-2965	1370	12	codified	codify	VERB
cblr-2965	1370	13	at	at	ADP
cblr-2965	1370	14	17	17	NUM
cblr-2965	1370	15	c.f.r	c.f.r	NOUN
cblr-2965	1370	16	.	.	PUNCT
cblr-2965	1371	1	pt	pt	PROPN
cblr-2965	1371	2	.	.	PROPN
cblr-2965	1371	3	230	230	NUM
cblr-2965	1371	4	)	)	PUNCT
cblr-2965	1371	5	.	.	PUNCT
cblr-2965	1372	1	'	'	PUNCT
cblr-2965	1372	2	"	"	PUNCT
cblr-2965	1372	3	amendments	amendment	NOUN
cblr-2965	1372	4	to	to	ADP
cblr-2965	1372	5	investment	investment	NOUN
cblr-2965	1372	6	company	company	NOUN
cblr-2965	1372	7	advertising	advertising	NOUN
cblr-2965	1372	8	rules	rule	NOUN
cblr-2965	1372	9	,	,	PUNCT
cblr-2965	1372	10	68	68	NUM
cblr-2965	1372	11	fed	feed	VERB
cblr-2965	1372	12	.	.	PUNCT
cblr-2965	1373	1	reg	reg	NOUN
cblr-2965	1373	2	.	.	PUNCT
cblr-2965	1374	1	57,760	57,760	NUM
cblr-2965	1374	2	(	(	PUNCT
cblr-2965	1374	3	oct	oct	PROPN
cblr-2965	1374	4	.	.	PROPN
cblr-2965	1374	5	6	6	NUM
cblr-2965	1374	6	,	,	PUNCT
cblr-2965	1374	7	2003	2003	NUM
cblr-2965	1374	8	)	)	PUNCT
cblr-2965	1374	9	(	(	PUNCT
cblr-2965	1374	10	to	to	PART
cblr-2965	1374	11	be	be	AUX
cblr-2965	1374	12	codified	codify	VERB
cblr-2965	1374	13	at	at	ADP
cblr-2965	1374	14	17	17	NUM
cblr-2965	1374	15	c.f.r	c.f.r	NOUN
cblr-2965	1374	16	.	.	PUNCT
cblr-2965	1375	1	pt	pt	PROPN
cblr-2965	1375	2	.	.	PROPN
cblr-2965	1375	3	230	230	NUM
cblr-2965	1375	4	,	,	PUNCT
cblr-2965	1375	5	239	239	NUM
cblr-2965	1375	6	,	,	PUNCT
cblr-2965	1375	7	274	274	NUM
cblr-2965	1375	8	)	)	PUNCT
cblr-2965	1375	9	.	.	PUNCT
cblr-2965	1376	1	141	141	NUM
cblr-2965	1376	2	shareholder	shareholder	NOUN
cblr-2965	1376	3	reports	report	NOUN
cblr-2965	1376	4	and	and	CCONJ
cblr-2965	1376	5	quarterly	quarterly	ADJ
cblr-2965	1376	6	portfolio	portfolio	NOUN
cblr-2965	1376	7	disclosure	disclosure	NOUN
cblr-2965	1376	8	of	of	ADP
cblr-2965	1376	9	registered	register	VERB
cblr-2965	1376	10	management	management	NOUN
cblr-2965	1376	11	investment	investment	NOUN
cblr-2965	1376	12	companies	company	NOUN
cblr-2965	1376	13	,	,	PUNCT
cblr-2965	1376	14	69	69	NUM
cblr-2965	1376	15	fed	feed	VERB
cblr-2965	1376	16	.	.	PUNCT
cblr-2965	1377	1	reg	reg	PROPN
cblr-2965	1377	2	.	.	PROPN
cblr-2965	1378	1	11,244	11,244	NUM
cblr-2965	1378	2	(	(	PUNCT
cblr-2965	1378	3	mar	mar	PROPN
cblr-2965	1378	4	.	.	PROPN
cblr-2965	1378	5	9	9	NUM
cblr-2965	1378	6	,	,	PUNCT
cblr-2965	1378	7	2004	2004	NUM
cblr-2965	1378	8	)	)	PUNCT
cblr-2965	1378	9	(	(	PUNCT
cblr-2965	1378	10	to	to	PART
cblr-2965	1378	11	be	be	AUX
cblr-2965	1378	12	codified	codify	VERB
cblr-2965	1378	13	at	at	ADP
cblr-2965	1378	14	17	17	NUM
cblr-2965	1378	15	c.f.r	c.f.r	NOUN
cblr-2965	1378	16	.	.	PUNCT
cblr-2965	1379	1	pt	pt	PROPN
cblr-2965	1379	2	.	.	PROPN
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cblr-2965	1379	4	,	,	PUNCT
cblr-2965	1379	5	239	239	NUM
cblr-2965	1379	6	,	,	PUNCT
cblr-2965	1379	7	240	240	NUM
cblr-2965	1379	8	,	,	PUNCT
cblr-2965	1379	9	270	270	NUM
cblr-2965	1379	10	,	,	PUNCT
cblr-2965	1379	11	274	274	NUM
cblr-2965	1379	12	)	)	PUNCT
cblr-2965	1379	13	.	.	PUNCT
cblr-2965	1380	1	34	34	NUM
cblr-2965	1380	2	disclosure	disclosure	NOUN
cblr-2965	1380	3	regarding	regard	VERB
cblr-2965	1380	4	portfolio	portfolio	NOUN
cblr-2965	1380	5	managers	manager	NOUN
cblr-2965	1380	6	of	of	ADP
cblr-2965	1380	7	registered	register	VERB
cblr-2965	1380	8	management	management	NOUN
cblr-2965	1380	9	investment	investment	NOUN
cblr-2965	1380	10	companies	company	NOUN
cblr-2965	1380	11	,	,	PUNCT
cblr-2965	1380	12	69	69	NUM
cblr-2965	1380	13	fed	feed	VERB
cblr-2965	1380	14	.	.	PUNCT
cblr-2965	1381	1	reg	reg	PROPN
cblr-2965	1381	2	.	.	PUNCT
cblr-2965	1382	1	52,788	52,788	NUM
cblr-2965	1382	2	(	(	PUNCT
cblr-2965	1382	3	aug	aug	PROPN
cblr-2965	1382	4	.	.	PROPN
cblr-2965	1382	5	27	27	NUM
cblr-2965	1382	6	,	,	PUNCT
cblr-2965	1382	7	2004	2004	NUM
cblr-2965	1382	8	)	)	PUNCT
cblr-2965	1382	9	(	(	PUNCT
cblr-2965	1382	10	to	to	PART
cblr-2965	1382	11	be	be	AUX
cblr-2965	1382	12	codified	codify	VERB
cblr-2965	1382	13	at	at	ADP
cblr-2965	1382	14	17	17	NUM
cblr-2965	1382	15	c.f.r	c.f.r	NOUN
cblr-2965	1382	16	.	.	PUNCT
cblr-2965	1383	1	pt	pt	PROPN
cblr-2965	1383	2	.	.	PROPN
cblr-2965	1383	3	239	239	NUM
cblr-2965	1383	4	,	,	PUNCT
cblr-2965	1383	5	249	249	NUM
cblr-2965	1383	6	,	,	PUNCT
cblr-2965	1383	7	270	270	NUM
cblr-2965	1383	8	,	,	PUNCT
cblr-2965	1383	9	274	274	NUM
cblr-2965	1383	10	)	)	PUNCT
cblr-2965	1383	11	.	.	PUNCT
cblr-2965	1384	1	[	[	X
cblr-2965	1384	2	vol	vol	NOUN
cblr-2965	1384	3	.	.	NOUN
cblr-2965	1384	4	2008	2008	NUM