id	sid	tid	token	lemma	pos
cblr-2966	1	1	to	to	PART
cblr-2966	1	2	assign	assign	VERB
cblr-2966	1	3	,	,	PUNCT
cblr-2966	1	4	or	or	CCONJ
cblr-2966	1	5	not	not	PART
cblr-2966	1	6	to	to	PART
cblr-2966	1	7	assign	assign	VERB
cblr-2966	1	8	:	:	PUNCT
cblr-2966	1	9	rethinking	rethink	VERB
cblr-2966	1	10	assignee	assignee	NOUN
cblr-2966	1	11	liability	liability	NOUN
cblr-2966	1	12	as	as	ADP
cblr-2966	1	13	a	a	DET
cblr-2966	1	14	solution	solution	NOUN
cblr-2966	1	15	to	to	ADP
cblr-2966	1	16	the	the	DET
cblr-2966	1	17	subprime	subprime	ADJ
cblr-2966	1	18	mortgage	mortgage	NOUN
cblr-2966	1	19	crisis	crisis	NOUN
cblr-2966	1	20	to	to	PART
cblr-2966	1	21	assign	assign	VERB
cblr-2966	1	22	,	,	PUNCT
cblr-2966	1	23	or	or	CCONJ
cblr-2966	1	24	not	not	PART
cblr-2966	1	25	to	to	PART
cblr-2966	1	26	assign	assign	VERB
cblr-2966	1	27	:	:	PUNCT
cblr-2966	1	28	rethinking	rethink	VERB
cblr-2966	1	29	assignee	assignee	NOUN
cblr-2966	1	30	liability	liability	NOUN
cblr-2966	1	31	as	as	ADP
cblr-2966	1	32	a	a	DET
cblr-2966	1	33	solution	solution	NOUN
cblr-2966	1	34	to	to	ADP
cblr-2966	1	35	the	the	DET
cblr-2966	1	36	subprime	subprime	ADJ
cblr-2966	1	37	mortgage	mortgage	NOUN
cblr-2966	1	38	crisis	crisis	NOUN
cblr-2966	1	39	james	james	PROPN
cblr-2966	1	40	carlson	carlson	PROPN
cblr-2966	1	41	*	*	PROPN
cblr-2966	1	42	i.	i.	PROPN
cblr-2966	1	43	introduction	introduction	NOUN
cblr-2966	1	44	..............................................................	..............................................................	PUNCT
cblr-2966	1	45	1022	1022	NUM
cblr-2966	1	46	ii	ii	NOUN
cblr-2966	1	47	.	.	PUNCT
cblr-2966	2	1	b	b	X
cblr-2966	2	2	ackground	ackground	NOUN
cblr-2966	2	3	...............................................................	...............................................................	PUNCT
cblr-2966	2	4	1025	1025	NUM
cblr-2966	2	5	a.	a.	NOUN
cblr-2966	2	6	subprim	subprim	NOUN
cblr-2966	2	7	e	e	NOUN
cblr-2966	2	8	lending	lending	NOUN
cblr-2966	2	9	.............................................	.............................................	PUNCT
cblr-2966	2	10	1025	1025	NUM
cblr-2966	2	11	b	b	NOUN
cblr-2966	2	12	.	.	PUNCT
cblr-2966	3	1	securitization	securitization	NOUN
cblr-2966	3	2	.....................................................	.....................................................	PUNCT
cblr-2966	3	3	1030	1030	NUM
cblr-2966	3	4	iii	iii	NOUN
cblr-2966	3	5	.	.	PUNCT
cblr-2966	3	6	current	current	ADJ
cblr-2966	3	7	legal	legal	ADJ
cblr-2966	3	8	landscape	landscape	NOUN
cblr-2966	3	9	........................................	........................................	PUNCT
cblr-2966	3	10	1034	1034	NUM
cblr-2966	3	11	a.	a.	NOUN
cblr-2966	3	12	federal	federal	ADJ
cblr-2966	3	13	solutions	solution	NOUN
cblr-2966	3	14	:	:	PUNCT
cblr-2966	3	15	the	the	DET
cblr-2966	3	16	weak	weak	ADJ
cblr-2966	3	17	federal	federal	ADJ
cblr-2966	3	18	a	a	DET
cblr-2966	3	19	pproach	pproach	NOUN
cblr-2966	3	20	............................................................	............................................................	PUNCT
cblr-2966	3	21	1037	1037	NUM
cblr-2966	3	22	b.	b.	PROPN
cblr-2966	3	23	state	state	NOUN
cblr-2966	3	24	solutions	solution	NOUN
cblr-2966	3	25	:	:	PUNCT
cblr-2966	3	26	the	the	DET
cblr-2966	3	27	problem	problem	NOUN
cblr-2966	3	28	of	of	ADP
cblr-2966	3	29	regulatory	regulatory	ADJ
cblr-2966	3	30	c	c	NOUN
cblr-2966	3	31	apture	apture	NOUN
cblr-2966	3	32	...............................................................	...............................................................	PUNCT
cblr-2966	3	33	1038	1038	NUM
cblr-2966	3	34	iv	iv	X
cblr-2966	3	35	.	.	PUNCT
cblr-2966	4	1	conceptualizing	conceptualize	VERB
cblr-2966	4	2	assignee	assignee	NOUN
cblr-2966	4	3	liability	liability	NOUN
cblr-2966	4	4	.........................	.........................	PUNCT
cblr-2966	4	5	1040	1040	NUM
cblr-2966	4	6	a.	a.	NOUN
cblr-2966	4	7	the	the	DET
cblr-2966	4	8	costs	cost	NOUN
cblr-2966	4	9	and	and	CCONJ
cblr-2966	4	10	uncertainties	uncertainty	NOUN
cblr-2966	4	11	of	of	ADP
cblr-2966	4	12	due	due	ADJ
cblr-2966	4	13	diligence	diligence	NOUN
cblr-2966	4	14	r	r	NOUN
cblr-2966	4	15	eview	eview	NOUN
cblr-2966	4	16	................................................................	................................................................	PUNCT
cblr-2966	4	17	1042	1042	NUM
cblr-2966	4	18	b.	b.	PROPN
cblr-2966	4	19	requiring	require	VERB
cblr-2966	4	20	solvency	solvency	NOUN
cblr-2966	4	21	:	:	PUNCT
cblr-2966	4	22	practical	practical	ADJ
cblr-2966	4	23	and	and	CCONJ
cblr-2966	4	24	legal	legal	ADJ
cblr-2966	4	25	o	o	NOUN
cblr-2966	4	26	bstacles	bstacle	NOUN
cblr-2966	4	27	............................................................	............................................................	PUNCT
cblr-2966	4	28	1043	1043	NUM
cblr-2966	4	29	c.	c.	NOUN
cblr-2966	4	30	litigation	litigation	NOUN
cblr-2966	4	31	barriers	barrier	NOUN
cblr-2966	4	32	:	:	PUNCT
cblr-2966	4	33	assignee	assignee	NOUN
cblr-2966	4	34	liability	liability	NOUN
cblr-2966	4	35	and	and	CCONJ
cblr-2966	4	36	obstacles	obstacle	NOUN
cblr-2966	4	37	to	to	PART
cblr-2966	4	38	enforcement	enforcement	NOUN
cblr-2966	4	39	..................................	..................................	PUNCT
cblr-2966	4	40	1046	1046	NUM
cblr-2966	5	1	v.	v.	ADP
cblr-2966	5	2	empirical	empirical	ADJ
cblr-2966	5	3	analysis	analysis	NOUN
cblr-2966	5	4	of	of	ADP
cblr-2966	5	5	assignee	assignee	NOUN
cblr-2966	5	6	liability	liability	NOUN
cblr-2966	5	7	................	................	PUNCT
cblr-2966	5	8	1048	1048	NUM
cblr-2966	5	9	a.	a.	NOUN
cblr-2966	5	10	a	a	DET
cblr-2966	5	11	note	note	NOUN
cblr-2966	5	12	on	on	ADP
cblr-2966	5	13	the	the	DET
cblr-2966	5	14	data	datum	NOUN
cblr-2966	5	15	............................................	............................................	PUNCT
cblr-2966	5	16	1049	1049	NUM
cblr-2966	5	17	b.	b.	NOUN
cblr-2966	5	18	past	past	ADJ
cblr-2966	5	19	empirical	empirical	ADJ
cblr-2966	5	20	research	research	NOUN
cblr-2966	5	21	...................................	...................................	PUNCT
cblr-2966	5	22	1050	1050	NUM
cblr-2966	5	23	c.	c.	NOUN
cblr-2966	5	24	contributions	contribution	NOUN
cblr-2966	5	25	to	to	ADP
cblr-2966	5	26	the	the	DET
cblr-2966	5	27	empirical	empirical	ADJ
cblr-2966	5	28	study	study	NOUN
cblr-2966	5	29	..............	..............	PUNCT
cblr-2966	6	1	1052	1052	NUM
cblr-2966	6	2	1	1	NUM
cblr-2966	6	3	.	.	PUNCT
cblr-2966	6	4	propensity	propensity	NOUN
cblr-2966	6	5	score	score	NOUN
cblr-2966	6	6	matching	match	VERB
cblr-2966	6	7	..........................	..........................	PROPN
cblr-2966	6	8	1052	1052	NUM
cblr-2966	6	9	2	2	X
cblr-2966	6	10	.	.	PUNCT
cblr-2966	6	11	using	use	VERB
cblr-2966	6	12	rate	rate	NOUN
cblr-2966	6	13	spread	spread	VERB
cblr-2966	6	14	instead	instead	ADV
cblr-2966	6	15	of	of	ADP
cblr-2966	6	16	subprime	subprime	ADJ
cblr-2966	6	17	lender	lender	NOUN
cblr-2966	6	18	list	list	NOUN
cblr-2966	6	19	....................................................	....................................................	PUNCT
cblr-2966	6	20	1055	1055	NUM
cblr-2966	6	21	*	*	PUNCT
cblr-2966	6	22	abraham	abraham	PROPN
cblr-2966	6	23	l.	l.	PROPN
cblr-2966	6	24	freedman	freedman	PROPN
cblr-2966	6	25	fellow	fellow	PROPN
cblr-2966	6	26	,	,	PUNCT
cblr-2966	6	27	beasley	beasley	PROPN
cblr-2966	6	28	school	school	PROPN
cblr-2966	6	29	of	of	ADP
cblr-2966	6	30	law	law	NOUN
cblr-2966	6	31	,	,	PUNCT
cblr-2966	6	32	temple	temple	PROPN
cblr-2966	6	33	university	university	PROPN
cblr-2966	6	34	;	;	PUNCT
cblr-2966	6	35	b.a	b.a	PROPN
cblr-2966	6	36	.	.	PROPN
cblr-2966	6	37	1996	1996	NUM
cblr-2966	6	38	,	,	PUNCT
cblr-2966	6	39	loyola	loyola	PROPN
cblr-2966	6	40	university	university	PROPN
cblr-2966	6	41	of	of	ADP
cblr-2966	6	42	new	new	PROPN
cblr-2966	6	43	orleans	orleans	PROPN
cblr-2966	6	44	;	;	PUNCT
cblr-2966	6	45	j.d	j.d	PROPN
cblr-2966	6	46	.	.	PROPN
cblr-2966	6	47	1999	1999	NUM
cblr-2966	6	48	,	,	PUNCT
cblr-2966	6	49	columbia	columbia	PROPN
cblr-2966	6	50	university	university	PROPN
cblr-2966	6	51	.	.	PUNCT
cblr-2966	7	1	the	the	DET
cblr-2966	7	2	author	author	NOUN
cblr-2966	7	3	wishes	wish	VERB
cblr-2966	7	4	to	to	PART
cblr-2966	7	5	thank	thank	VERB
cblr-2966	7	6	lester	lester	PROPN
cblr-2966	7	7	brickman	brickman	PROPN
cblr-2966	7	8	,	,	PUNCT
cblr-2966	7	9	richard	richard	PROPN
cblr-2966	7	10	nagareda	nagareda	PROPN
cblr-2966	7	11	,	,	PUNCT
cblr-2966	7	12	david	david	PROPN
cblr-2966	7	13	beck	beck	PROPN
cblr-2966	7	14	and	and	CCONJ
cblr-2966	7	15	all	all	PRON
cblr-2966	7	16	of	of	ADP
cblr-2966	7	17	the	the	DET
cblr-2966	7	18	practitioners	practitioner	NOUN
cblr-2966	7	19	representing	represent	VERB
cblr-2966	7	20	the	the	DET
cblr-2966	7	21	distinct	distinct	ADJ
cblr-2966	7	22	constituencies	constituency	NOUN
cblr-2966	7	23	discussed	discuss	VERB
cblr-2966	7	24	in	in	ADP
cblr-2966	7	25	this	this	DET
cblr-2966	7	26	article	article	NOUN
cblr-2966	7	27	that	that	PRON
cblr-2966	7	28	provided	provide	VERB
cblr-2966	7	29	comments	comment	NOUN
cblr-2966	7	30	and	and	CCONJ
cblr-2966	7	31	suggestions	suggestion	NOUN
cblr-2966	7	32	on	on	ADP
cblr-2966	7	33	previous	previous	ADJ
cblr-2966	7	34	drafts	draft	NOUN
cblr-2966	7	35	.	.	PUNCT
cblr-2966	8	1	3	3	X
cblr-2966	8	2	.	.	X
cblr-2966	8	3	comparing	compare	VERB
cblr-2966	8	4	assignee	assignee	NOUN
cblr-2966	8	5	liability	liability	NOUN
cblr-2966	8	6	provisions	provision	NOUN
cblr-2966	8	7	...	...	PUNCT
cblr-2966	8	8	1056	1056	NUM
cblr-2966	8	9	4	4	NUM
cblr-2966	8	10	.	.	PUNCT
cblr-2966	8	11	state	state	NOUN
cblr-2966	8	12	-	-	PUNCT
cblr-2966	8	13	specific	specific	ADJ
cblr-2966	8	14	focus	focus	NOUN
cblr-2966	8	15	......................................	......................................	PUNCT
cblr-2966	8	16	1057	1057	NUM
cblr-2966	8	17	d.	d.	PROPN
cblr-2966	8	18	theoretical	theoretical	PROPN
cblr-2966	8	19	m	m	PROPN
cblr-2966	8	20	odels	odel	NOUN
cblr-2966	8	21	.............................................	.............................................	PUNCT
cblr-2966	8	22	1059	1059	NUM
cblr-2966	8	23	e	e	NOUN
cblr-2966	8	24	.	.	PUNCT
cblr-2966	9	1	r	r	NOUN
cblr-2966	9	2	esults	esult	NOUN
cblr-2966	9	3	................................................................	................................................................	PUNCT
cblr-2966	10	1	1060	1060	NUM
cblr-2966	10	2	1	1	NUM
cblr-2966	10	3	.	.	PUNCT
cblr-2966	11	1	full	full	ADJ
cblr-2966	11	2	sam	sam	PROPN
cblr-2966	11	3	ple	ple	PROPN
cblr-2966	11	4	...................................................	...................................................	PUNCT
cblr-2966	11	5	1060	1060	NUM
cblr-2966	11	6	a.	a.	NOUN
cblr-2966	11	7	rate	rate	NOUN
cblr-2966	11	8	spread	spread	NOUN
cblr-2966	11	9	:	:	PUNCT
cblr-2966	11	10	interest	interest	NOUN
cblr-2966	11	11	rate	rate	NOUN
cblr-2966	11	12	on	on	ADP
cblr-2966	11	13	subprime	subprime	ADJ
cblr-2966	11	14	l	l	X
cblr-2966	11	15	oan	oan	PROPN
cblr-2966	11	16	s	s	PART
cblr-2966	11	17	.......................................................	.......................................................	PROPN
cblr-2966	11	18	1060	1060	NUM
cblr-2966	11	19	2	2	NUM
cblr-2966	11	20	.	.	X
cblr-2966	11	21	high	high	ADJ
cblr-2966	11	22	cost	cost	NOUN
cblr-2966	11	23	:	:	PUNCT
cblr-2966	11	24	probability	probability	NOUN
cblr-2966	11	25	of	of	ADP
cblr-2966	11	26	originating	originate	VERB
cblr-2966	11	27	a	a	DET
cblr-2966	11	28	h	h	NOUN
cblr-2966	11	29	igh	igh	PROPN
cblr-2966	11	30	cost	cost	NOUN
cblr-2966	11	31	loan	loan	NOUN
cblr-2966	11	32	.............................................	.............................................	PUNCT
cblr-2966	12	1	1062	1062	NUM
cblr-2966	12	2	3	3	X
cblr-2966	12	3	.	.	PUNCT
cblr-2966	12	4	state	state	NOUN
cblr-2966	12	5	sample	sample	NOUN
cblr-2966	12	6	:	:	PUNCT
cblr-2966	12	7	probability	probability	NOUN
cblr-2966	12	8	of	of	ADP
cblr-2966	12	9	securitization	securitization	NOUN
cblr-2966	12	10	1064	1064	NUM
cblr-2966	12	11	f	f	NOUN
cblr-2966	12	12	.	.	PUNCT
cblr-2966	13	1	d	d	X
cblr-2966	13	2	iscussion	iscussion	NOUN
cblr-2966	13	3	..........................................................	..........................................................	PUNCT
cblr-2966	13	4	1064	1064	NUM
cblr-2966	13	5	vi	vi	NOUN
cblr-2966	13	6	.	.	PUNCT
cblr-2966	14	1	the	the	DET
cblr-2966	14	2	great	great	ADJ
cblr-2966	14	3	misconceptualization	misconceptualization	NOUN
cblr-2966	14	4	of	of	ADP
cblr-2966	14	5	subprime	subprime	ADJ
cblr-2966	14	6	l	l	NOUN
cblr-2966	14	7	ending	ending	NOUN
cblr-2966	14	8	.....................................................................	.....................................................................	PUNCT
cblr-2966	14	9	1065	1065	NUM
cblr-2966	14	10	v	v	NUM
cblr-2966	14	11	ii	ii	PROPN
cblr-2966	14	12	.	.	PUNCT
cblr-2966	15	1	conclusion	conclusion	NOUN
cblr-2966	15	2	................................................................	................................................................	PUNCT
cblr-2966	15	3	1068	1068	NUM
cblr-2966	15	4	i.	i.	NOUN
cblr-2966	15	5	introduction	introduction	NOUN
cblr-2966	15	6	no	no	DET
cblr-2966	15	7	city	city	NOUN
cblr-2966	15	8	better	well	ADV
cblr-2966	15	9	epitomizes	epitomize	VERB
cblr-2966	15	10	the	the	DET
cblr-2966	15	11	subprime	subprime	ADJ
cblr-2966	15	12	crisis	crisis	NOUN
cblr-2966	15	13	than	than	ADP
cblr-2966	15	14	cleveland	cleveland	PROPN
cblr-2966	15	15	.	.	PUNCT
cblr-2966	16	1	in	in	ADP
cblr-2966	16	2	2006	2006	NUM
cblr-2966	16	3	,	,	PUNCT
cblr-2966	16	4	the	the	DET
cblr-2966	16	5	census	census	NOUN
cblr-2966	16	6	bureau	bureau	NOUN
cblr-2966	16	7	declared	declare	VERB
cblr-2966	16	8	cleveland	cleveland	PROPN
cblr-2966	16	9	the	the	DET
cblr-2966	16	10	poorest	poor	ADJ
cblr-2966	16	11	big	big	ADJ
cblr-2966	16	12	city	city	NOUN
cblr-2966	16	13	in	in	ADP
cblr-2966	16	14	america	america	PROPN
cblr-2966	16	15	-	-	PUNCT
cblr-2966	16	16	with	with	ADP
cblr-2966	16	17	32	32	NUM
cblr-2966	16	18	%	%	NOUN
cblr-2966	16	19	of	of	ADP
cblr-2966	16	20	its	its	PRON
cblr-2966	16	21	population	population	NOUN
cblr-2966	16	22	living	live	VERB
cblr-2966	16	23	below	below	ADP
cblr-2966	16	24	the	the	DET
cblr-2966	16	25	poverty	poverty	NOUN
cblr-2966	16	26	level	level	NOUN
cblr-2966	16	27	.	.	PUNCT
cblr-2966	16	28	'	'	PUNCT
cblr-2966	17	1	expectedly	expectedly	ADV
cblr-2966	17	2	,	,	PUNCT
cblr-2966	17	3	nearly	nearly	ADV
cblr-2966	17	4	30	30	NUM
cblr-2966	17	5	%	%	NOUN
cblr-2966	17	6	of	of	ADP
cblr-2966	17	7	loans	loan	NOUN
cblr-2966	17	8	originating	originate	VERB
cblr-2966	17	9	in	in	ADP
cblr-2966	17	10	the	the	DET
cblr-2966	17	11	cleveland	cleveland	PROPN
cblr-2966	17	12	region	region	NOUN
cblr-2966	17	13	during	during	ADP
cblr-2966	17	14	this	this	DET
cblr-2966	17	15	time	time	NOUN
cblr-2966	17	16	were	be	AUX
cblr-2966	17	17	subprime	subprime	ADJ
cblr-2966	17	18	,	,	PUNCT
cblr-2966	17	19	many	many	ADJ
cblr-2966	17	20	undoubtedly	undoubtedly	ADV
cblr-2966	17	21	on	on	ADP
cblr-2966	17	22	predatory	predatory	ADJ
cblr-2966	17	23	terms	term	NOUN
cblr-2966	17	24	.	.	PUNCT
cblr-2966	18	1	when	when	SCONJ
cblr-2966	18	2	the	the	DET
cblr-2966	18	3	subprime	subprime	ADJ
cblr-2966	18	4	crash	crash	NOUN
cblr-2966	18	5	engulfed	engulf	VERB
cblr-2966	18	6	the	the	DET
cblr-2966	18	7	region	region	NOUN
cblr-2966	18	8	,	,	PUNCT
cblr-2966	18	9	nearly	nearly	ADV
cblr-2966	18	10	24,000	24,000	NUM
cblr-2966	18	11	people	people	NOUN
cblr-2966	18	12	lost	lose	VERB
cblr-2966	18	13	their	their	PRON
cblr-2966	18	14	homes	home	NOUN
cblr-2966	18	15	,	,	PUNCT
cblr-2966	18	16	leaving	leave	VERB
cblr-2966	18	17	10,000	10,000	NUM
cblr-2966	18	18	abandoned	abandon	VERB
cblr-2966	18	19	buildings	building	NOUN
cblr-2966	18	20	.	.	PUNCT
cblr-2966	18	21	'	'	PUNCT
cblr-2966	19	1	by	by	ADP
cblr-2966	19	2	contrast	contrast	NOUN
cblr-2966	19	3	,	,	PUNCT
cblr-2966	19	4	one	one	NUM
cblr-2966	19	5	of	of	ADP
cblr-2966	19	6	the	the	DET
cblr-2966	19	7	more	more	ADV
cblr-2966	19	8	devastated	devastated	ADJ
cblr-2966	19	9	regions	region	NOUN
cblr-2966	19	10	of	of	ADP
cblr-2966	19	11	new	new	ADJ
cblr-2966	19	12	orleans	orleans	PROPN
cblr-2966	19	13	,	,	PUNCT
cblr-2966	19	14	in	in	ADP
cblr-2966	19	15	the	the	DET
cblr-2966	19	16	wake	wake	NOUN
cblr-2966	19	17	of	of	ADP
cblr-2966	19	18	hurricane	hurricane	PROPN
cblr-2966	19	19	katrina	katrina	PROPN
cblr-2966	19	20	,	,	PUNCT
cblr-2966	19	21	lost	lose	VERB
cblr-2966	19	22	about	about	ADV
cblr-2966	19	23	13,700	13,700	NUM
cblr-2966	19	24	homes.4	homes.4	NOUN
cblr-2966	19	25	the	the	DET
cblr-2966	19	26	mortgage	mortgage	NOUN
cblr-2966	19	27	foreclosure	foreclosure	NOUN
cblr-2966	19	28	crisis	crisis	NOUN
cblr-2966	19	29	and	and	CCONJ
cblr-2966	19	30	subprime	subprime	ADJ
cblr-2966	19	31	meltdown	meltdown	NOUN
cblr-2966	19	32	hardly	hardly	ADV
cblr-2966	19	33	needs	need	VERB
cblr-2966	19	34	further	further	ADJ
cblr-2966	19	35	introduction	introduction	NOUN
cblr-2966	19	36	.	.	PUNCT
cblr-2966	20	1	from	from	ADP
cblr-2966	20	2	1994	1994	NUM
cblr-2966	20	3	to	to	ADP
cblr-2966	20	4	2006	2006	NUM
cblr-2966	20	5	,	,	PUNCT
cblr-2966	20	6	the	the	DET
cblr-2966	20	7	value	value	NOUN
cblr-2966	20	8	of	of	ADP
cblr-2966	20	9	all	all	DET
cblr-2966	20	10	subprime	subprime	ADJ
cblr-2966	20	11	loans	loan	NOUN
cblr-2966	20	12	increased	increase	VERB
cblr-2966	20	13	from	from	ADP
cblr-2966	20	14	$	$	SYM
cblr-2966	20	15	30	30	NUM
cblr-2966	20	16	billion	billion	NUM
cblr-2966	20	17	to	to	PART
cblr-2966	20	18	$	$	SYM
cblr-2966	20	19	640	640	NUM
cblr-2966	20	20	billion.5	billion.5	NOUN
cblr-2966	20	21	in	in	ADP
cblr-2966	20	22	2007	2007	NUM
cblr-2966	20	23	,	,	PUNCT
cblr-2966	20	24	subprime	subprime	ADJ
cblr-2966	20	25	loans	loan	NOUN
cblr-2966	20	26	plummeted	plummet	VERB
cblr-2966	20	27	to	to	ADP
cblr-2966	20	28	$	$	SYM
cblr-2966	20	29	50	50	NUM
cblr-2966	20	30	billion	billion	NUM
cblr-2966	20	31	,	,	PUNCT
cblr-2966	20	32	'	'	PUNCT
cblr-2966	20	33	thomas	thomas	PROPN
cblr-2966	20	34	ott	ott	PROPN
cblr-2966	20	35	,	,	PUNCT
cblr-2966	20	36	real	real	ADJ
cblr-2966	20	37	estate	estate	NOUN
cblr-2966	20	38	's	's	PART
cblr-2966	20	39	perfect	perfect	ADJ
cblr-2966	20	40	storm	storm	NOUN
cblr-2966	20	41	,	,	PUNCT
cblr-2966	20	42	cleveland	cleveland	PROPN
cblr-2966	20	43	plain	plain	PROPN
cblr-2966	20	44	dealer	dealer	NOUN
cblr-2966	20	45	,	,	PUNCT
cblr-2966	20	46	jan	jan	PROPN
cblr-2966	20	47	.	.	PROPN
cblr-2966	20	48	20	20	NUM
cblr-2966	20	49	,	,	PUNCT
cblr-2966	20	50	2008	2008	NUM
cblr-2966	20	51	,	,	PUNCT
cblr-2966	20	52	at	at	ADP
cblr-2966	20	53	al	al	PROPN
cblr-2966	20	54	.	.	PROPN
cblr-2966	20	55	2	2	NUM
cblr-2966	20	56	see	see	VERB
cblr-2966	20	57	i	i	PRON
cblr-2966	20	58	d.	d.	PROPN
cblr-2966	20	59	3	3	NUM
cblr-2966	21	1	i	i	PROPN
cblr-2966	21	2	d.	d.	PROPN
cblr-2966	21	3	4	4	NUM
cblr-2966	21	4	i	i	PROPN
cblr-2966	21	5	d.	d.	PROPN
cblr-2966	21	6	'	'	PUNCT
cblr-2966	21	7	see	see	PROPN
cblr-2966	21	8	ted	ted	PROPN
cblr-2966	21	9	frank	frank	PROPN
cblr-2966	21	10	,	,	PUNCT
cblr-2966	21	11	prime	prime	ADJ
cblr-2966	21	12	target	target	NOUN
cblr-2966	21	13	,	,	PUNCT
cblr-2966	21	14	wall	wall	PROPN
cblr-2966	21	15	st	st	PROPN
cblr-2966	21	16	.	.	PROPN
cblr-2966	21	17	j.	j.	PROPN
cblr-2966	21	18	,	,	PUNCT
cblr-2966	21	19	apr	apr	PROPN
cblr-2966	21	20	.	.	PROPN
cblr-2966	21	21	25	25	NUM
cblr-2966	21	22	,	,	PUNCT
cblr-2966	21	23	2007	2007	NUM
cblr-2966	21	24	,	,	PUNCT
cblr-2966	21	25	at	at	ADP
cblr-2966	21	26	a15	a15	NOUN
cblr-2966	21	27	.	.	PUNCT
cblr-2966	22	1	col	col	PROPN
cblr-2966	22	2	umbia	umbia	PROPN
cblr-2966	22	3	b	b	PROPN
cblr-2966	23	1	usiness	usiness	PROPN
cblr-2966	23	2	l4	l4	PROPN
cblr-2966	23	3	w	w	PROPN
cblr-2966	23	4	re	re	PROPN
cblr-2966	23	5	vie	vie	PROPN
cblr-2966	23	6	w	w	PROPN
cblr-2966	24	1	[	[	X
cblr-2966	24	2	vol	vol	NOUN
cblr-2966	24	3	.	.	NOUN
cblr-2966	24	4	2008	2008	NUM
cblr-2966	24	5	rethinking	rethink	VERB
cblr-2966	24	6	assignee	assignee	NOUN
cblr-2966	24	7	liability	liability	NOUN
cblr-2966	24	8	or	or	CCONJ
cblr-2966	24	9	2	2	NUM
cblr-2966	24	10	%	%	NOUN
cblr-2966	24	11	of	of	ADP
cblr-2966	24	12	all	all	PRON
cblr-2966	24	13	loans.6	loans.6	NOUN
cblr-2966	24	14	investment	investment	NOUN
cblr-2966	24	15	in	in	ADP
cblr-2966	24	16	subprime	subprime	ADJ
cblr-2966	24	17	loans	loan	NOUN
cblr-2966	24	18	,	,	PUNCT
cblr-2966	24	19	securitization	securitization	NOUN
cblr-2966	24	20	,	,	PUNCT
cblr-2966	24	21	prompted	prompt	VERB
cblr-2966	24	22	the	the	DET
cblr-2966	24	23	expansion	expansion	NOUN
cblr-2966	24	24	of	of	ADP
cblr-2966	24	25	subprime	subprime	ADJ
cblr-2966	24	26	lending	lending	NOUN
cblr-2966	24	27	.	.	PUNCT
cblr-2966	25	1	over	over	ADP
cblr-2966	25	2	8	8	NUM
cblr-2966	25	3	%	%	NOUN
cblr-2966	25	4	of	of	ADP
cblr-2966	25	5	subprime	subprime	ADJ
cblr-2966	25	6	loans	loan	NOUN
cblr-2966	25	7	in	in	ADP
cblr-2966	25	8	2006	2006	NUM
cblr-2966	25	9	found	find	VERB
cblr-2966	25	10	their	their	PRON
cblr-2966	25	11	way	way	NOUN
cblr-2966	25	12	into	into	ADP
cblr-2966	25	13	securitized	securitized	ADJ
cblr-2966	25	14	pools	pool	NOUN
cblr-2966	25	15	.	.	PUNCT
cblr-2966	25	16	'	'	PUNCT
cblr-2966	26	1	securitization	securitization	NOUN
cblr-2966	26	2	allowed	allow	VERB
cblr-2966	26	3	mortgage	mortgage	NOUN
cblr-2966	26	4	originators	originator	NOUN
cblr-2966	26	5	to	to	PART
cblr-2966	26	6	shift	shift	VERB
cblr-2966	26	7	lending	lending	NOUN
cblr-2966	26	8	risk	risk	NOUN
cblr-2966	26	9	to	to	ADP
cblr-2966	26	10	the	the	DET
cblr-2966	26	11	larger	large	ADJ
cblr-2966	26	12	economy	economy	NOUN
cblr-2966	26	13	,	,	PUNCT
cblr-2966	26	14	making	make	VERB
cblr-2966	26	15	loans	loan	NOUN
cblr-2966	26	16	possible	possible	ADJ
cblr-2966	26	17	to	to	ADP
cblr-2966	26	18	those	those	PRON
cblr-2966	26	19	previously	previously	ADV
cblr-2966	26	20	thought	think	VERB
cblr-2966	26	21	too	too	ADV
cblr-2966	26	22	risky	risky	ADJ
cblr-2966	26	23	.	.	PUNCT
cblr-2966	27	1	at	at	ADP
cblr-2966	27	2	the	the	DET
cblr-2966	27	3	same	same	ADJ
cblr-2966	27	4	time	time	NOUN
cblr-2966	27	5	,	,	PUNCT
cblr-2966	27	6	it	it	PRON
cblr-2966	27	7	gave	give	VERB
cblr-2966	27	8	investment	investment	NOUN
cblr-2966	27	9	banks	bank	NOUN
cblr-2966	27	10	an	an	DET
cblr-2966	27	11	unprecedented	unprecedented	ADJ
cblr-2966	27	12	amount	amount	NOUN
cblr-2966	27	13	of	of	ADP
cblr-2966	27	14	capital	capital	NOUN
cblr-2966	27	15	to	to	PART
cblr-2966	27	16	finance	finance	VERB
cblr-2966	27	17	new	new	ADJ
cblr-2966	27	18	projects	project	NOUN
cblr-2966	27	19	.	.	PUNCT
cblr-2966	28	1	seven	seven	NUM
cblr-2966	28	2	of	of	ADP
cblr-2966	28	3	the	the	DET
cblr-2966	28	4	largest	large	ADJ
cblr-2966	28	5	buyouts	buyout	NOUN
cblr-2966	28	6	of	of	ADP
cblr-2966	28	7	all	all	DET
cblr-2966	28	8	time	time	NOUN
cblr-2966	28	9	occurred	occur	VERB
cblr-2966	28	10	in	in	ADP
cblr-2966	28	11	2006.8	2006.8	NUM
cblr-2966	28	12	yet	yet	ADV
cblr-2966	28	13	,	,	PUNCT
cblr-2966	28	14	securitization	securitization	NOUN
cblr-2966	28	15	had	have	VERB
cblr-2966	28	16	consequences	consequence	NOUN
cblr-2966	28	17	.	.	PUNCT
cblr-2966	29	1	mortgage	mortgage	NOUN
cblr-2966	29	2	originators	originator	NOUN
cblr-2966	29	3	sold	sell	VERB
cblr-2966	29	4	loans	loan	NOUN
cblr-2966	29	5	to	to	ADP
cblr-2966	29	6	security	security	NOUN
cblr-2966	29	7	pools	pool	NOUN
cblr-2966	29	8	so	so	ADV
cblr-2966	29	9	quickly	quickly	ADV
cblr-2966	29	10	that	that	SCONJ
cblr-2966	29	11	they	they	PRON
cblr-2966	29	12	needed	need	VERB
cblr-2966	29	13	to	to	PART
cblr-2966	29	14	pay	pay	VERB
cblr-2966	29	15	little	little	ADJ
cblr-2966	29	16	attention	attention	NOUN
cblr-2966	29	17	to	to	ADP
cblr-2966	29	18	the	the	DET
cblr-2966	29	19	legal	legal	ADJ
cblr-2966	29	20	and	and	CCONJ
cblr-2966	29	21	financial	financial	ADJ
cblr-2966	29	22	consequences	consequence	NOUN
cblr-2966	29	23	of	of	ADP
cblr-2966	29	24	unsound	unsound	ADJ
cblr-2966	29	25	lending	lending	NOUN
cblr-2966	29	26	.	.	PUNCT
cblr-2966	30	1	in	in	ADP
cblr-2966	30	2	2005	2005	NUM
cblr-2966	30	3	,	,	PUNCT
cblr-2966	30	4	the	the	DET
cblr-2966	30	5	housing	housing	NOUN
cblr-2966	30	6	bubble	bubble	NOUN
cblr-2966	30	7	exhibited	exhibit	VERB
cblr-2966	30	8	the	the	DET
cblr-2966	30	9	first	first	ADJ
cblr-2966	30	10	signs	sign	NOUN
cblr-2966	30	11	of	of	ADP
cblr-2966	30	12	strain.9	strain.9	ADJ
cblr-2966	30	13	housing	housing	NOUN
cblr-2966	30	14	prices	price	NOUN
cblr-2966	30	15	flattened	flatten	VERB
cblr-2966	30	16	in	in	ADP
cblr-2966	30	17	2006.10	2006.10	NUM
cblr-2966	30	18	this	this	PRON
cblr-2966	30	19	meant	mean	VERB
cblr-2966	30	20	homeowners	homeowner	NOUN
cblr-2966	30	21	,	,	PUNCT
cblr-2966	30	22	owing	owe	VERB
cblr-2966	30	23	amounts	amount	NOUN
cblr-2966	30	24	beyond	beyond	ADP
cblr-2966	30	25	their	their	PRON
cblr-2966	30	26	means	mean	NOUN
cblr-2966	30	27	,	,	PUNCT
cblr-2966	30	28	no	no	ADV
cblr-2966	30	29	longer	long	ADV
cblr-2966	30	30	had	have	VERB
cblr-2966	30	31	an	an	DET
cblr-2966	30	32	ever	ever	ADV
cblr-2966	30	33	-	-	PUNCT
cblr-2966	30	34	increasing	increase	VERB
cblr-2966	30	35	amount	amount	NOUN
cblr-2966	30	36	of	of	ADP
cblr-2966	30	37	equity	equity	NOUN
cblr-2966	30	38	with	with	ADP
cblr-2966	30	39	which	which	PRON
cblr-2966	30	40	to	to	PART
cblr-2966	30	41	finance	finance	VERB
cblr-2966	30	42	debt	debt	NOUN
cblr-2966	30	43	.	.	PUNCT
cblr-2966	31	1	as	as	SCONJ
cblr-2966	31	2	the	the	DET
cblr-2966	31	3	number	number	NOUN
cblr-2966	31	4	of	of	ADP
cblr-2966	31	5	foreclosures	foreclosure	NOUN
cblr-2966	31	6	increased	increase	VERB
cblr-2966	31	7	,	,	PUNCT
cblr-2966	31	8	experts	expert	NOUN
cblr-2966	31	9	predicted	predict	VERB
cblr-2966	31	10	a	a	DET
cblr-2966	31	11	dire	dire	ADJ
cblr-2966	31	12	future	future	NOUN
cblr-2966	31	13	-	-	PUNCT
cblr-2966	31	14	one	one	NUM
cblr-2966	31	15	predicted	predict	VERB
cblr-2966	31	16	that	that	SCONJ
cblr-2966	31	17	at	at	ADV
cblr-2966	31	18	least	least	ADV
cblr-2966	31	19	20	20	NUM
cblr-2966	31	20	%	%	NOUN
cblr-2966	31	21	of	of	ADP
cblr-2966	31	22	subprime	subprime	ADJ
cblr-2966	31	23	borrowers	borrower	NOUN
cblr-2966	31	24	were	be	AUX
cblr-2966	31	25	likely	likely	ADJ
cblr-2966	31	26	to	to	PART
cblr-2966	31	27	default	default	VERB
cblr-2966	31	28	by	by	ADP
cblr-2966	31	29	2008	2008	NUM
cblr-2966	31	30	.	.	PUNCT
cblr-2966	31	31	"	"	PUNCT
cblr-2966	32	1	investors	investor	NOUN
cblr-2966	32	2	panicked	panic	VERB
cblr-2966	32	3	,	,	PUNCT
cblr-2966	32	4	and	and	CCONJ
cblr-2966	32	5	almost	almost	ADV
cblr-2966	32	6	overnight	overnight	ADV
cblr-2966	32	7	,	,	PUNCT
cblr-2966	32	8	the	the	DET
cblr-2966	32	9	subprime	subprime	ADJ
cblr-2966	32	10	credit	credit	NOUN
cblr-2966	32	11	market	market	NOUN
cblr-2966	32	12	collapsed	collapse	VERB
cblr-2966	32	13	.	.	PUNCT
cblr-2966	33	1	6	6	NUM
cblr-2966	33	2	see	see	VERB
cblr-2966	33	3	damian	damian	PROPN
cblr-2966	33	4	paletta	paletta	PROPN
cblr-2966	33	5	&	&	CCONJ
cblr-2966	33	6	james	james	PROPN
cblr-2966	33	7	r.	r.	PROPN
cblr-2966	33	8	hagerty	hagerty	PROPN
cblr-2966	33	9	,	,	PUNCT
cblr-2966	33	10	fed	fed	PROPN
cblr-2966	33	11	's	's	PART
cblr-2966	33	12	new	new	ADJ
cblr-2966	33	13	rules	rule	NOUN
cblr-2966	33	14	on	on	ADP
cblr-2966	33	15	mortgages	mortgage	NOUN
cblr-2966	33	16	draw	draw	VERB
cblr-2966	33	17	hostility	hostility	NOUN
cblr-2966	33	18	,	,	PUNCT
cblr-2966	33	19	wall	wall	PROPN
cblr-2966	33	20	st	st	PROPN
cblr-2966	33	21	.	.	PROPN
cblr-2966	33	22	j.	j.	PROPN
cblr-2966	33	23	,	,	PUNCT
cblr-2966	33	24	dec	dec	PROPN
cblr-2966	33	25	.	.	PROPN
cblr-2966	33	26	19	19	NUM
cblr-2966	33	27	,	,	PUNCT
cblr-2966	33	28	2007	2007	NUM
cblr-2966	33	29	,	,	PUNCT
cblr-2966	33	30	at	at	ADP
cblr-2966	33	31	al	al	PROPN
cblr-2966	33	32	.	.	PROPN
cblr-2966	33	33	7	7	NUM
cblr-2966	33	34	see	see	VERB
cblr-2966	33	35	raphael	raphael	PROPN
cblr-2966	33	36	w.	w.	PROPN
cblr-2966	33	37	bostic	bostic	PROPN
cblr-2966	33	38	et	et	PROPN
cblr-2966	33	39	al	al	PROPN
cblr-2966	33	40	.	.	PROPN
cblr-2966	33	41	,	,	PUNCT
cblr-2966	33	42	state	state	NOUN
cblr-2966	33	43	and	and	CCONJ
cblr-2966	33	44	local	local	ADJ
cblr-2966	33	45	anti	anti	ADJ
cblr-2966	33	46	-	-	ADJ
cblr-2966	33	47	predatory	predatory	ADJ
cblr-2966	33	48	lending	lending	NOUN
cblr-2966	33	49	laws	law	NOUN
cblr-2966	33	50	:	:	PUNCT
cblr-2966	33	51	the	the	DET
cblr-2966	33	52	effect	effect	NOUN
cblr-2966	33	53	of	of	ADP
cblr-2966	33	54	legal	legal	ADJ
cblr-2966	33	55	enforcement	enforcement	NOUN
cblr-2966	33	56	mechanisms	mechanism	NOUN
cblr-2966	33	57	10	10	NUM
cblr-2966	33	58	(	(	PUNCT
cblr-2966	33	59	aug	aug	PROPN
cblr-2966	33	60	.	.	PROPN
cblr-2966	33	61	7	7	NUM
cblr-2966	33	62	,	,	PUNCT
cblr-2966	33	63	2007	2007	NUM
cblr-2966	33	64	)	)	PUNCT
cblr-2966	33	65	(	(	PUNCT
cblr-2966	33	66	unpublished	unpublished	ADJ
cblr-2966	33	67	manuscript	manuscript	NOUN
cblr-2966	33	68	,	,	PUNCT
cblr-2966	33	69	available	available	ADJ
cblr-2966	33	70	at	at	ADP
cblr-2966	33	71	http://ssrn.com/abstract=	http://ssrn.com/abstract=	NOUN
cblr-2966	33	72	1005423	1005423	NUM
cblr-2966	33	73	)	)	PUNCT
cblr-2966	33	74	.	.	PUNCT
cblr-2966	33	75	'	'	PUNCT
cblr-2966	34	1	see	see	VERB
cblr-2966	34	2	goldman	goldman	PROPN
cblr-2966	34	3	,	,	PUNCT
cblr-2966	34	4	citi	citi	PROPN
cblr-2966	34	5	top	top	ADJ
cblr-2966	34	6	list	list	NOUN
cblr-2966	34	7	of	of	ADP
cblr-2966	34	8	2006	2006	NUM
cblr-2966	34	9	m&a	m&a	PROPN
cblr-2966	34	10	deal	deal	NOUN
cblr-2966	34	11	makers	maker	NOUN
cblr-2966	34	12	,	,	PUNCT
cblr-2966	34	13	n.y	n.y	PROPN
cblr-2966	34	14	.	.	PROPN
cblr-2966	34	15	times	times	PROPN
cblr-2966	34	16	dealbook	dealbook	PROPN
cblr-2966	34	17	,	,	PUNCT
cblr-2966	34	18	jan	jan	PROPN
cblr-2966	34	19	.	.	PROPN
cblr-2966	34	20	3	3	NUM
cblr-2966	34	21	,	,	PUNCT
cblr-2966	34	22	2007	2007	NUM
cblr-2966	34	23	,	,	PUNCT
cblr-2966	34	24	http://dealbook.blogs.nytimes.com/2007/01/03/	http://dealbook.blogs.nytimes.com/2007/01/03/	NOUN
cblr-2966	34	25	goldman	goldman	NOUN
cblr-2966	34	26	-	-	PUNCT
cblr-2966	34	27	citi	citi	PROPN
cblr-2966	34	28	-	-	PUNCT
cblr-2966	34	29	top	top	ADJ
cblr-2966	34	30	-	-	PUNCT
cblr-2966	34	31	final	final	ADJ
cblr-2966	34	32	-	-	PUNCT
cblr-2966	34	33	ma	ma	NOUN
cblr-2966	34	34	-	-	PUNCT
cblr-2966	34	35	league	league	NOUN
cblr-2966	34	36	-	-	PUNCT
cblr-2966	34	37	tables	table	NOUN
cblr-2966	34	38	.	.	PUNCT
cblr-2966	34	39	'	'	PUNCT
cblr-2966	35	1	see	see	VERB
cblr-2966	35	2	ruth	ruth	PROPN
cblr-2966	35	3	simon	simon	PROPN
cblr-2966	35	4	&	&	CCONJ
cblr-2966	35	5	james	james	PROPN
cblr-2966	35	6	r.	r.	PROPN
cblr-2966	35	7	hagerty	hagerty	PROPN
cblr-2966	35	8	,	,	PUNCT
cblr-2966	35	9	how	how	SCONJ
cblr-2966	35	10	american	american	ADJ
cblr-2966	35	11	lenders	lender	NOUN
cblr-2966	35	12	shelter	shelter	VERB
cblr-2966	35	13	themselves	themselves	PRON
cblr-2966	35	14	,	,	PUNCT
cblr-2966	35	15	wall	wall	PROPN
cblr-2966	35	16	st	st	PROPN
cblr-2966	35	17	.	.	PROPN
cblr-2966	35	18	j.	j.	PROPN
cblr-2966	35	19	,	,	PUNCT
cblr-2966	35	20	sept	sept	PROPN
cblr-2966	35	21	.	.	PROPN
cblr-2966	35	22	22	22	NUM
cblr-2966	35	23	,	,	PUNCT
cblr-2966	35	24	2005	2005	NUM
cblr-2966	35	25	,	,	PUNCT
cblr-2966	35	26	at	at	ADP
cblr-2966	35	27	cl	cl	NOUN
cblr-2966	35	28	;	;	PUNCT
cblr-2966	35	29	see	see	VERB
cblr-2966	35	30	also	also	ADV
cblr-2966	35	31	al	al	PROPN
cblr-2966	35	32	yoon	yoon	PROPN
cblr-2966	35	33	,	,	PUNCT
cblr-2966	35	34	housing	housing	NOUN
cblr-2966	35	35	bubble	bubble	NOUN
cblr-2966	35	36	bursts	burst	NOUN
cblr-2966	35	37	in	in	ADP
cblr-2966	35	38	u.s	u.s	PROPN
cblr-2966	35	39	.	.	PROPN
cblr-2966	35	40	mortgage	mortgage	NOUN
cblr-2966	35	41	bond	bond	NOUN
cblr-2966	35	42	market	market	NOUN
cblr-2966	35	43	(	(	PUNCT
cblr-2966	35	44	update	update	NOUN
cblr-2966	35	45	2	2	NUM
cblr-2966	35	46	)	)	PUNCT
cblr-2966	35	47	,	,	PUNCT
cblr-2966	35	48	bloomberg.com	bloomberg.com	X
cblr-2966	35	49	,	,	PUNCT
cblr-2966	35	50	dec	dec	PROPN
cblr-2966	35	51	.	.	PROPN
cblr-2966	35	52	6	6	NUM
cblr-2966	35	53	,	,	PUNCT
cblr-2966	35	54	2005	2005	NUM
cblr-2966	35	55	,	,	PUNCT
cblr-2966	35	56	http://www.bloomberg.com/apps/news?pid=	http://www.bloomberg.com/apps/news?pid=	ADJ
cblr-2966	35	57	10000103&sid	10000103&sid	NUM
cblr-2966	35	58	=	=	SYM
cblr-2966	35	59	adsb37oitsju&refer	adsb37oitsju&refer	NOUN
cblr-2966	35	60	=	=	NOUN
cblr-2966	35	61	us	us	PROPN
cblr-2966	35	62	.	.	PUNCT
cblr-2966	36	1	10	10	NUM
cblr-2966	36	2	see	see	VERB
cblr-2966	36	3	mark	mark	NOUN
cblr-2966	36	4	whitehouse	whitehouse	NOUN
cblr-2966	36	5	,	,	PUNCT
cblr-2966	36	6	risk	risk	NOUN
cblr-2966	36	7	management	management	NOUN
cblr-2966	36	8	:	:	PUNCT
cblr-2966	36	9	as	as	SCONJ
cblr-2966	36	10	home	home	NOUN
cblr-2966	36	11	owners	owner	NOUN
cblr-2966	36	12	face	face	VERB
cblr-2966	36	13	strains	strain	NOUN
cblr-2966	36	14	,	,	PUNCT
cblr-2966	36	15	market	market	NOUN
cblr-2966	36	16	bets	bet	NOUN
cblr-2966	36	17	on	on	ADP
cblr-2966	36	18	loan	loan	NOUN
cblr-2966	36	19	defaults	default	NOUN
cblr-2966	36	20	,	,	PUNCT
cblr-2966	36	21	wall	wall	PROPN
cblr-2966	36	22	st	st	PROPN
cblr-2966	36	23	.	.	PROPN
cblr-2966	36	24	j.	j.	PROPN
cblr-2966	36	25	,	,	PUNCT
cblr-2966	36	26	oct	oct	PROPN
cblr-2966	36	27	.	.	PROPN
cblr-2966	36	28	30	30	NUM
cblr-2966	36	29	,	,	PUNCT
cblr-2966	36	30	2006	2006	NUM
cblr-2966	36	31	,	,	PUNCT
cblr-2966	36	32	at	at	ADP
cblr-2966	36	33	al	al	PROPN
cblr-2966	36	34	.	.	PUNCT
cblr-2966	37	1	n	n	PROPN
cblr-2966	37	2	see	see	VERB
cblr-2966	37	3	i	i	PRON
cblr-2966	37	4	d.	d.	PROPN
cblr-2966	37	5	no	no	INTJ
cblr-2966	37	6	.	.	PUNCT
cblr-2966	38	1	3:1021	3:1021	NUM
cblr-2966	38	2	]	]	X
cblr-2966	38	3	columbia	columbia	PROPN
cblr-2966	38	4	business	business	PROPN
cblr-2966	38	5	law	law	PROPN
cblr-2966	38	6	review	review	NOUN
cblr-2966	38	7	following	follow	VERB
cblr-2966	38	8	the	the	DET
cblr-2966	38	9	subprime	subprime	ADJ
cblr-2966	38	10	crash	crash	NOUN
cblr-2966	38	11	of	of	ADP
cblr-2966	38	12	2007	2007	NUM
cblr-2966	38	13	,	,	PUNCT
cblr-2966	38	14	calls	call	VERB
cblr-2966	38	15	for	for	ADP
cblr-2966	38	16	regulation	regulation	NOUN
cblr-2966	38	17	of	of	ADP
cblr-2966	38	18	subprime	subprime	ADJ
cblr-2966	38	19	lending	lending	NOUN
cblr-2966	38	20	reached	reach	VERB
cblr-2966	38	21	fever	fever	NOUN
cblr-2966	38	22	pitch	pitch	NOUN
cblr-2966	38	23	.	.	PUNCT
cblr-2966	39	1	assignee	assignee	NOUN
cblr-2966	39	2	liability	liability	NOUN
cblr-2966	39	3	,	,	PUNCT
cblr-2966	39	4	or	or	CCONJ
cblr-2966	39	5	abrogation	abrogation	NOUN
cblr-2966	39	6	of	of	ADP
cblr-2966	39	7	the	the	DET
cblr-2966	39	8	"	"	PUNCT
cblr-2966	39	9	holder	holder	NOUN
cblr-2966	39	10	in	in	ADP
cblr-2966	39	11	due	due	ADJ
cblr-2966	39	12	course	course	NOUN
cblr-2966	39	13	"	"	PUNCT
cblr-2966	39	14	doctrine	doctrine	NOUN
cblr-2966	39	15	,	,	PUNCT
cblr-2966	39	16	emerged	emerge	VERB
cblr-2966	39	17	as	as	ADP
cblr-2966	39	18	a	a	DET
cblr-2966	39	19	consistent	consistent	ADJ
cblr-2966	39	20	favorite	favorite	NOUN
cblr-2966	39	21	.	.	PUNCT
cblr-2966	40	1	praised	praise	VERB
cblr-2966	40	2	by	by	ADP
cblr-2966	40	3	academics	academic	NOUN
cblr-2966	40	4	and	and	CCONJ
cblr-2966	40	5	adopted	adopt	VERB
cblr-2966	40	6	by	by	ADP
cblr-2966	40	7	many	many	ADJ
cblr-2966	40	8	states	state	NOUN
cblr-2966	40	9	,	,	PUNCT
cblr-2966	40	10	assignee	assignee	NOUN
cblr-2966	40	11	liability	liability	NOUN
cblr-2966	40	12	allowed	allow	VERB
cblr-2966	40	13	borrowers	borrower	NOUN
cblr-2966	40	14	to	to	PART
cblr-2966	40	15	bring	bring	VERB
cblr-2966	40	16	claims	claim	NOUN
cblr-2966	40	17	against	against	ADP
cblr-2966	40	18	the	the	DET
cblr-2966	40	19	trust	trust	NOUN
cblr-2966	40	20	holding	hold	VERB
cblr-2966	40	21	their	their	PRON
cblr-2966	40	22	loan	loan	NOUN
cblr-2966	40	23	,	,	PUNCT
cblr-2966	40	24	as	as	ADV
cblr-2966	40	25	well	well	ADV
cblr-2966	40	26	as	as	ADP
cblr-2966	40	27	the	the	DET
cblr-2966	40	28	originator	originator	NOUN
cblr-2966	40	29	.	.	PUNCT
cblr-2966	41	1	this	this	PRON
cblr-2966	41	2	provided	provide	VERB
cblr-2966	41	3	a	a	DET
cblr-2966	41	4	remedy	remedy	NOUN
cblr-2966	41	5	for	for	ADP
cblr-2966	41	6	the	the	DET
cblr-2966	41	7	homeowner	homeowner	NOUN
cblr-2966	41	8	when	when	SCONJ
cblr-2966	41	9	the	the	DET
cblr-2966	41	10	originator	originator	NOUN
cblr-2966	41	11	disappeared	disappear	VERB
cblr-2966	41	12	and	and	CCONJ
cblr-2966	41	13	would	would	AUX
cblr-2966	41	14	,	,	PUNCT
cblr-2966	41	15	in	in	ADP
cblr-2966	41	16	theory	theory	NOUN
cblr-2966	41	17	,	,	PUNCT
cblr-2966	41	18	force	force	VERB
cblr-2966	41	19	the	the	DET
cblr-2966	41	20	banks	bank	NOUN
cblr-2966	41	21	to	to	PART
cblr-2966	41	22	police	police	VERB
cblr-2966	41	23	the	the	DET
cblr-2966	41	24	originators	originator	NOUN
cblr-2966	41	25	.	.	PUNCT
cblr-2966	42	1	regulators	regulator	NOUN
cblr-2966	42	2	believed	believe	VERB
cblr-2966	42	3	that	that	SCONJ
cblr-2966	42	4	by	by	ADP
cblr-2966	42	5	making	make	VERB
cblr-2966	42	6	assignees	assignee	NOUN
cblr-2966	42	7	liable	liable	ADJ
cblr-2966	42	8	they	they	PRON
cblr-2966	42	9	could	could	AUX
cblr-2966	42	10	prevent	prevent	VERB
cblr-2966	42	11	some	some	PRON
cblr-2966	42	12	of	of	ADP
cblr-2966	42	13	the	the	DET
cblr-2966	42	14	riskshifting	riskshifting	NOUN
cblr-2966	42	15	that	that	PRON
cblr-2966	42	16	made	make	VERB
cblr-2966	42	17	predatory	predatory	ADJ
cblr-2966	42	18	lending	lending	NOUN
cblr-2966	42	19	possible	possible	ADJ
cblr-2966	42	20	.	.	PUNCT
cblr-2966	43	1	this	this	DET
cblr-2966	43	2	note	note	NOUN
cblr-2966	43	3	offers	offer	VERB
cblr-2966	43	4	a	a	DET
cblr-2966	43	5	novel	novel	ADJ
cblr-2966	43	6	empirical	empirical	ADJ
cblr-2966	43	7	rebuke	rebuke	NOUN
cblr-2966	43	8	of	of	ADP
cblr-2966	43	9	assignee	assignee	NOUN
cblr-2966	43	10	liability	liability	NOUN
cblr-2966	43	11	.	.	PUNCT
cblr-2966	44	1	the	the	DET
cblr-2966	44	2	use	use	NOUN
cblr-2966	44	3	of	of	ADP
cblr-2966	44	4	propensity	propensity	NOUN
cblr-2966	44	5	score	score	NOUN
cblr-2966	44	6	matching	matching	NOUN
cblr-2966	44	7	creates	create	VERB
cblr-2966	44	8	a	a	DET
cblr-2966	44	9	more	more	ADV
cblr-2966	44	10	robust	robust	ADJ
cblr-2966	44	11	picture	picture	NOUN
cblr-2966	44	12	of	of	ADP
cblr-2966	44	13	subprime	subprime	ADJ
cblr-2966	44	14	lending	lending	NOUN
cblr-2966	44	15	than	than	SCONJ
cblr-2966	44	16	did	do	VERB
cblr-2966	44	17	previous	previous	ADJ
cblr-2966	44	18	studies	study	NOUN
cblr-2966	44	19	limited	limit	VERB
cblr-2966	44	20	to	to	ADP
cblr-2966	44	21	cross	cross	ADJ
cblr-2966	44	22	-	-	ADJ
cblr-2966	44	23	border	border	ADJ
cblr-2966	44	24	controls	control	NOUN
cblr-2966	44	25	.	.	PUNCT
cblr-2966	45	1	in	in	ADP
cblr-2966	45	2	doing	do	VERB
cblr-2966	45	3	so	so	ADV
cblr-2966	45	4	,	,	PUNCT
cblr-2966	45	5	this	this	DET
cblr-2966	45	6	note	note	NOUN
cblr-2966	45	7	tests	test	VERB
cblr-2966	45	8	three	three	NUM
cblr-2966	45	9	questions	question	NOUN
cblr-2966	45	10	:	:	PUNCT
cblr-2966	45	11	(	(	PUNCT
cblr-2966	45	12	1	1	X
cblr-2966	45	13	)	)	PUNCT
cblr-2966	45	14	whether	whether	SCONJ
cblr-2966	45	15	assignee	assignee	NOUN
cblr-2966	45	16	laws	law	NOUN
cblr-2966	45	17	make	make	VERB
cblr-2966	45	18	subprime	subprime	ADJ
cblr-2966	45	19	lending	lending	NOUN
cblr-2966	45	20	more	more	ADV
cblr-2966	45	21	expensive	expensive	ADJ
cblr-2966	45	22	,	,	PUNCT
cblr-2966	45	23	(	(	PUNCT
cblr-2966	45	24	2	2	X
cblr-2966	45	25	)	)	PUNCT
cblr-2966	45	26	whether	whether	SCONJ
cblr-2966	45	27	assignee	assignee	NOUN
cblr-2966	45	28	laws	law	NOUN
cblr-2966	45	29	promote	promote	VERB
cblr-2966	45	30	a	a	DET
cblr-2966	45	31	sense	sense	NOUN
cblr-2966	45	32	of	of	ADP
cblr-2966	45	33	security	security	NOUN
cblr-2966	45	34	in	in	ADP
cblr-2966	45	35	borrowers	borrower	NOUN
cblr-2966	45	36	,	,	PUNCT
cblr-2966	45	37	and	and	CCONJ
cblr-2966	45	38	(	(	PUNCT
cblr-2966	45	39	3	3	X
cblr-2966	45	40	)	)	PUNCT
cblr-2966	45	41	whether	whether	SCONJ
cblr-2966	45	42	predatory	predatory	ADJ
cblr-2966	45	43	lending	lending	NOUN
cblr-2966	45	44	laws	law	NOUN
cblr-2966	45	45	stop	stop	VERB
cblr-2966	45	46	predatory	predatory	ADJ
cblr-2966	45	47	lending	lending	NOUN
cblr-2966	45	48	,	,	PUNCT
cblr-2966	45	49	or	or	CCONJ
cblr-2966	45	50	merely	merely	ADV
cblr-2966	45	51	cause	cause	VERB
cblr-2966	45	52	it	it	PRON
cblr-2966	45	53	to	to	PART
cblr-2966	45	54	hide	hide	VERB
cblr-2966	45	55	at	at	ADP
cblr-2966	45	56	lower	low	ADJ
cblr-2966	45	57	interest	interest	NOUN
cblr-2966	45	58	rates	rate	NOUN
cblr-2966	45	59	.	.	PUNCT
cblr-2966	46	1	the	the	DET
cblr-2966	46	2	results	result	NOUN
cblr-2966	46	3	suggest	suggest	VERB
cblr-2966	46	4	that	that	SCONJ
cblr-2966	46	5	assignee	assignee	NOUN
cblr-2966	46	6	liability	liability	NOUN
cblr-2966	46	7	laws	law	NOUN
cblr-2966	46	8	may	may	AUX
cblr-2966	46	9	be	be	AUX
cblr-2966	46	10	promoting	promote	VERB
cblr-2966	46	11	a	a	DET
cblr-2966	46	12	false	false	ADJ
cblr-2966	46	13	sense	sense	NOUN
cblr-2966	46	14	of	of	ADP
cblr-2966	46	15	security	security	NOUN
cblr-2966	46	16	by	by	ADP
cblr-2966	46	17	appearing	appear	VERB
cblr-2966	46	18	to	to	PART
cblr-2966	46	19	eliminate	eliminate	VERB
cblr-2966	46	20	predatory	predatory	ADJ
cblr-2966	46	21	lending	lending	NOUN
cblr-2966	46	22	,	,	PUNCT
cblr-2966	46	23	but	but	CCONJ
cblr-2966	46	24	not	not	PART
cblr-2966	46	25	doing	do	VERB
cblr-2966	46	26	so	so	ADV
cblr-2966	46	27	in	in	ADP
cblr-2966	46	28	fact	fact	NOUN
cblr-2966	46	29	.	.	PUNCT
cblr-2966	47	1	they	they	PRON
cblr-2966	47	2	demonstrate	demonstrate	VERB
cblr-2966	47	3	a	a	DET
cblr-2966	47	4	consumer	consumer	NOUN
cblr-2966	47	5	confidence	confidence	NOUN
cblr-2966	47	6	effect	effect	NOUN
cblr-2966	47	7	of	of	ADP
cblr-2966	47	8	predatory	predatory	ADJ
cblr-2966	47	9	lending	lending	NOUN
cblr-2966	47	10	legislation	legislation	NOUN
cblr-2966	47	11	,	,	PUNCT
cblr-2966	47	12	one	one	NUM
cblr-2966	47	13	that	that	PRON
cblr-2966	47	14	makes	make	VERB
cblr-2966	47	15	assignee	assignee	NOUN
cblr-2966	47	16	liability	liability	NOUN
cblr-2966	47	17	particularly	particularly	ADV
cblr-2966	47	18	dangerous	dangerous	ADJ
cblr-2966	47	19	if	if	SCONJ
cblr-2966	47	20	it	it	PRON
cblr-2966	47	21	is	be	AUX
cblr-2966	47	22	otherwise	otherwise	ADV
cblr-2966	47	23	ineffective	ineffective	ADJ
cblr-2966	47	24	.	.	PUNCT
cblr-2966	48	1	the	the	DET
cblr-2966	48	2	failure	failure	NOUN
cblr-2966	48	3	of	of	ADP
cblr-2966	48	4	assignee	assignee	NOUN
cblr-2966	48	5	liability	liability	NOUN
cblr-2966	48	6	is	be	AUX
cblr-2966	48	7	a	a	DET
cblr-2966	48	8	failure	failure	NOUN
cblr-2966	48	9	of	of	ADP
cblr-2966	48	10	conception	conception	NOUN
cblr-2966	48	11	.	.	PUNCT
cblr-2966	49	1	in	in	ADP
cblr-2966	49	2	an	an	DET
cblr-2966	49	3	attempt	attempt	NOUN
cblr-2966	49	4	to	to	PART
cblr-2966	49	5	remedy	remedy	VERB
cblr-2966	49	6	the	the	DET
cblr-2966	49	7	effects	effect	NOUN
cblr-2966	49	8	of	of	ADP
cblr-2966	49	9	subprime	subprime	ADJ
cblr-2966	49	10	lending	lending	NOUN
cblr-2966	49	11	,	,	PUNCT
cblr-2966	49	12	the	the	DET
cblr-2966	49	13	quest	quest	NOUN
cblr-2966	49	14	became	become	VERB
cblr-2966	49	15	one	one	NUM
cblr-2966	49	16	of	of	ADP
cblr-2966	49	17	compensation	compensation	NOUN
cblr-2966	49	18	for	for	ADP
cblr-2966	49	19	the	the	DET
cblr-2966	49	20	victims	victim	NOUN
cblr-2966	49	21	,	,	PUNCT
cblr-2966	49	22	rather	rather	ADV
cblr-2966	49	23	than	than	ADP
cblr-2966	49	24	deterrence	deterrence	NOUN
cblr-2966	49	25	of	of	ADP
cblr-2966	49	26	the	the	DET
cblr-2966	49	27	practice	practice	NOUN
cblr-2966	49	28	.	.	PUNCT
cblr-2966	50	1	the	the	DET
cblr-2966	50	2	result	result	NOUN
cblr-2966	50	3	is	be	AUX
cblr-2966	50	4	a	a	DET
cblr-2966	50	5	regime	regime	NOUN
cblr-2966	50	6	that	that	PRON
cblr-2966	50	7	adds	add	VERB
cblr-2966	50	8	a	a	DET
cblr-2966	50	9	surcharge	surcharge	NOUN
cblr-2966	50	10	to	to	ADP
cblr-2966	50	11	the	the	DET
cblr-2966	50	12	cost	cost	NOUN
cblr-2966	50	13	of	of	ADP
cblr-2966	50	14	making	make	VERB
cblr-2966	50	15	legitimate	legitimate	ADJ
cblr-2966	50	16	subprime	subprime	ADJ
cblr-2966	50	17	loans	loan	NOUN
cblr-2966	50	18	,	,	PUNCT
cblr-2966	50	19	limiting	limit	VERB
cblr-2966	50	20	the	the	DET
cblr-2966	50	21	subprime	subprime	ADJ
cblr-2966	50	22	market	market	NOUN
cblr-2966	50	23	without	without	ADP
cblr-2966	50	24	preventing	prevent	VERB
cblr-2966	50	25	predatory	predatory	ADJ
cblr-2966	50	26	practices	practice	NOUN
cblr-2966	50	27	.	.	PUNCT
cblr-2966	51	1	solutions	solution	NOUN
cblr-2966	51	2	like	like	ADP
cblr-2966	51	3	those	those	PRON
cblr-2966	51	4	used	use	VERB
cblr-2966	51	5	against	against	ADP
cblr-2966	51	6	insider	insider	NOUN
cblr-2966	51	7	trading	trading	NOUN
cblr-2966	51	8	-	-	PUNCT
cblr-2966	51	9	putting	put	VERB
cblr-2966	51	10	the	the	DET
cblr-2966	51	11	good	good	NOUN
cblr-2966	51	12	of	of	ADP
cblr-2966	51	13	the	the	DET
cblr-2966	51	14	market	market	NOUN
cblr-2966	51	15	ahead	ahead	ADV
cblr-2966	51	16	of	of	ADP
cblr-2966	51	17	compensation	compensation	NOUN
cblr-2966	51	18	for	for	ADP
cblr-2966	51	19	individuals	individual	NOUN
cblr-2966	51	20	-	-	PUNCT
cblr-2966	51	21	provide	provide	VERB
cblr-2966	51	22	a	a	DET
cblr-2966	51	23	more	more	ADV
cblr-2966	51	24	sustainable	sustainable	ADJ
cblr-2966	51	25	approach	approach	NOUN
cblr-2966	51	26	.	.	PUNCT
cblr-2966	52	1	it	it	PRON
cblr-2966	52	2	is	be	AUX
cblr-2966	52	3	least	least	ADJ
cblr-2966	52	4	cost	cost	NOUN
cblr-2966	52	5	avoidance	avoidance	NOUN
cblr-2966	52	6	,	,	PUNCT
cblr-2966	52	7	investor	investor	NOUN
cblr-2966	52	8	confidence	confidence	NOUN
cblr-2966	52	9	,	,	PUNCT
cblr-2966	52	10	and	and	CCONJ
cblr-2966	52	11	deterrence	deterrence	NOUN
cblr-2966	52	12	,	,	PUNCT
cblr-2966	52	13	not	not	PART
cblr-2966	52	14	compensation	compensation	NOUN
cblr-2966	52	15	,	,	PUNCT
cblr-2966	52	16	that	that	PRON
cblr-2966	52	17	must	must	AUX
cblr-2966	52	18	form	form	VERB
cblr-2966	52	19	the	the	DET
cblr-2966	52	20	basis	basis	NOUN
cblr-2966	52	21	of	of	ADP
cblr-2966	52	22	any	any	DET
cblr-2966	52	23	solution	solution	NOUN
cblr-2966	52	24	.	.	PUNCT
cblr-2966	53	1	[	[	X
cblr-2966	53	2	vol	vol	NOUN
cblr-2966	53	3	.	.	PUNCT
cblr-2966	53	4	2008	2008	NUM
cblr-2966	54	1	rethinking	rethink	VERB
cblr-2966	54	2	assignee	assignee	NOUN
cblr-2966	54	3	liability	liability	NOUN
cblr-2966	54	4	this	this	DET
cblr-2966	54	5	note	note	NOUN
cblr-2966	54	6	includes	include	VERB
cblr-2966	54	7	six	six	NUM
cblr-2966	54	8	parts	part	NOUN
cblr-2966	54	9	.	.	PUNCT
cblr-2966	55	1	part	part	PROPN
cblr-2966	55	2	ii	ii	PROPN
cblr-2966	55	3	includes	include	VERB
cblr-2966	55	4	necessary	necessary	ADJ
cblr-2966	55	5	background	background	NOUN
cblr-2966	55	6	on	on	ADP
cblr-2966	55	7	subprime	subprime	ADJ
cblr-2966	55	8	lending	lending	NOUN
cblr-2966	55	9	,	,	PUNCT
cblr-2966	55	10	a	a	DET
cblr-2966	55	11	tentative	tentative	ADJ
cblr-2966	55	12	definition	definition	NOUN
cblr-2966	55	13	of	of	ADP
cblr-2966	55	14	predatory	predatory	ADJ
cblr-2966	55	15	lending	lending	NOUN
cblr-2966	55	16	,	,	PUNCT
cblr-2966	55	17	and	and	CCONJ
cblr-2966	55	18	a	a	DET
cblr-2966	55	19	brief	brief	ADJ
cblr-2966	55	20	explanation	explanation	NOUN
cblr-2966	55	21	of	of	ADP
cblr-2966	55	22	how	how	SCONJ
cblr-2966	55	23	securitization	securitization	NOUN
cblr-2966	55	24	created	create	VERB
cblr-2966	55	25	the	the	DET
cblr-2966	55	26	present	present	ADJ
cblr-2966	55	27	disaster	disaster	NOUN
cblr-2966	55	28	.	.	PUNCT
cblr-2966	56	1	part	part	NOUN
cblr-2966	56	2	iii	iii	PROPN
cblr-2966	56	3	explains	explain	VERB
cblr-2966	56	4	the	the	DET
cblr-2966	56	5	current	current	ADJ
cblr-2966	56	6	federal	federal	ADJ
cblr-2966	56	7	-and	-and	PUNCT
cblr-2966	56	8	state	state	ADJ
cblr-2966	56	9	legal	legal	ADJ
cblr-2966	56	10	landscape	landscape	NOUN
cblr-2966	56	11	,	,	PUNCT
cblr-2966	56	12	positing	posit	VERB
cblr-2966	56	13	the	the	DET
cblr-2966	56	14	weaknesses	weakness	NOUN
cblr-2966	56	15	inherent	inherent	ADJ
cblr-2966	56	16	in	in	ADP
cblr-2966	56	17	a	a	DET
cblr-2966	56	18	state	state	NOUN
cblr-2966	56	19	-	-	PUNCT
cblr-2966	56	20	based	base	VERB
cblr-2966	56	21	approach	approach	NOUN
cblr-2966	56	22	.	.	PUNCT
cblr-2966	57	1	part	part	NOUN
cblr-2966	57	2	iv	iv	NUM
cblr-2966	57	3	explores	explore	VERB
cblr-2966	57	4	how	how	SCONJ
cblr-2966	57	5	the	the	DET
cblr-2966	57	6	current	current	ADJ
cblr-2966	57	7	conceptualization	conceptualization	NOUN
cblr-2966	57	8	of	of	ADP
cblr-2966	57	9	the	the	DET
cblr-2966	57	10	subprime	subprime	ADJ
cblr-2966	57	11	crisis	crisis	NOUN
cblr-2966	57	12	leads	lead	VERB
cblr-2966	57	13	to	to	ADP
cblr-2966	57	14	a	a	DET
cblr-2966	57	15	theoretically	theoretically	ADV
cblr-2966	57	16	ineffective	ineffective	ADJ
cblr-2966	57	17	solution	solution	NOUN
cblr-2966	57	18	like	like	ADP
cblr-2966	57	19	assignee	assignee	NOUN
cblr-2966	57	20	liability	liability	NOUN
cblr-2966	57	21	.	.	PUNCT
cblr-2966	58	1	part	part	NOUN
cblr-2966	58	2	v	v	ADP
cblr-2966	58	3	demonstrates	demonstrate	NOUN
cblr-2966	58	4	,	,	PUNCT
cblr-2966	58	5	empirically	empirically	ADV
cblr-2966	58	6	,	,	PUNCT
cblr-2966	58	7	that	that	DET
cblr-2966	58	8	assignee	assignee	NOUN
cblr-2966	58	9	liability	liability	NOUN
cblr-2966	58	10	may	may	AUX
cblr-2966	58	11	not	not	PART
cblr-2966	58	12	only	only	ADV
cblr-2966	58	13	be	be	AUX
cblr-2966	58	14	ineffective	ineffective	ADJ
cblr-2966	58	15	,	,	PUNCT
cblr-2966	58	16	but	but	CCONJ
cblr-2966	58	17	actually	actually	ADV
cblr-2966	58	18	dangerous	dangerous	ADJ
cblr-2966	58	19	.	.	PUNCT
cblr-2966	59	1	finally	finally	ADV
cblr-2966	59	2	,	,	PUNCT
cblr-2966	59	3	part	part	NOUN
cblr-2966	59	4	vi	vi	PROPN
cblr-2966	59	5	suggests	suggest	VERB
cblr-2966	59	6	a	a	DET
cblr-2966	59	7	way	way	NOUN
cblr-2966	59	8	to	to	PART
cblr-2966	59	9	properly	properly	ADV
cblr-2966	59	10	conceptualize	conceptualize	VERB
cblr-2966	59	11	the	the	DET
cblr-2966	59	12	subprime	subprime	ADJ
cblr-2966	59	13	crisis	crisis	NOUN
cblr-2966	59	14	in	in	ADP
cblr-2966	59	15	the	the	DET
cblr-2966	59	16	search	search	NOUN
cblr-2966	59	17	for	for	ADP
cblr-2966	59	18	a	a	DET
cblr-2966	59	19	solution	solution	NOUN
cblr-2966	59	20	.	.	PUNCT
cblr-2966	60	1	ii	ii	PROPN
cblr-2966	60	2	.	.	PUNCT
cblr-2966	60	3	background	background	PROPN
cblr-2966	60	4	a.	a.	PROPN
cblr-2966	60	5	subprime	subprime	PROPN
cblr-2966	60	6	lending	lending	NOUN
cblr-2966	60	7	subprime	subprime	NOUN
cblr-2966	60	8	mortgages	mortgage	NOUN
cblr-2966	60	9	fall	fall	VERB
cblr-2966	60	10	into	into	ADP
cblr-2966	60	11	several	several	ADJ
cblr-2966	60	12	categories	category	NOUN
cblr-2966	60	13	.	.	PUNCT
cblr-2966	61	1	these	these	PRON
cblr-2966	61	2	include	include	VERB
cblr-2966	61	3	borrowers	borrower	NOUN
cblr-2966	61	4	with	with	ADP
cblr-2966	61	5	fair	fair	PROPN
cblr-2966	61	6	isaac	isaac	PROPN
cblr-2966	61	7	&	&	CCONJ
cblr-2966	61	8	co.	co.	PROPN
cblr-2966	61	9	(	(	PUNCT
cblr-2966	61	10	fico	fico	PROPN
cblr-2966	61	11	)	)	PUNCT
cblr-2966	61	12	scores	score	NOUN
cblr-2966	61	13	below	below	ADP
cblr-2966	61	14	660	660	NUM
cblr-2966	61	15	,	,	PUNCT
cblr-2966	61	16	borrowers	borrower	NOUN
cblr-2966	61	17	with	with	ADP
cblr-2966	61	18	at	at	ADV
cblr-2966	61	19	least	least	ADV
cblr-2966	61	20	one	one	NUM
cblr-2966	61	21	sixty	sixty	NUM
cblr-2966	61	22	-	-	PUNCT
cblr-2966	61	23	day	day	NOUN
cblr-2966	61	24	or	or	CCONJ
cblr-2966	61	25	two	two	NUM
cblr-2966	61	26	thirty	thirty	NUM
cblr-2966	61	27	-	-	PUNCT
cblr-2966	61	28	day	day	NOUN
cblr-2966	61	29	delinquencies	delinquency	NOUN
cblr-2966	61	30	in	in	ADP
cblr-2966	61	31	the	the	DET
cblr-2966	61	32	past	past	ADJ
cblr-2966	61	33	two	two	NUM
cblr-2966	61	34	years	year	NOUN
cblr-2966	61	35	,	,	PUNCT
cblr-2966	61	36	or	or	CCONJ
cblr-2966	61	37	borrowers	borrower	NOUN
cblr-2966	61	38	subject	subject	ADJ
cblr-2966	61	39	to	to	ADP
cblr-2966	61	40	a	a	DET
cblr-2966	61	41	judgment	judgment	NOUN
cblr-2966	61	42	or	or	CCONJ
cblr-2966	61	43	foreclosure	foreclosure	NOUN
cblr-2966	61	44	in	in	ADP
cblr-2966	61	45	the	the	DET
cblr-2966	61	46	last	last	ADJ
cblr-2966	61	47	five	five	NUM
cblr-2966	61	48	years	year	NOUN
cblr-2966	61	49	.	.	PUNCT
cblr-2966	62	1	2	2	NUM
cblr-2966	62	2	subprime	subprime	NOUN
cblr-2966	62	3	loans	loan	NOUN
cblr-2966	62	4	typically	typically	ADV
cblr-2966	62	5	carry	carry	VERB
cblr-2966	62	6	higher	high	ADJ
cblr-2966	62	7	interest	interest	NOUN
cblr-2966	62	8	rates	rate	NOUN
cblr-2966	62	9	than	than	ADP
cblr-2966	62	10	prime	prime	ADJ
cblr-2966	62	11	loans	loan	NOUN
cblr-2966	62	12	.	.	PUNCT
cblr-2966	63	1	not	not	PART
cblr-2966	63	2	only	only	ADV
cblr-2966	63	3	is	be	AUX
cblr-2966	63	4	the	the	DET
cblr-2966	63	5	risk	risk	NOUN
cblr-2966	63	6	of	of	ADP
cblr-2966	63	7	default	default	NOUN
cblr-2966	63	8	higher	higher	ADV
cblr-2966	63	9	,	,	PUNCT
cblr-2966	63	10	but	but	CCONJ
cblr-2966	63	11	the	the	DET
cblr-2966	63	12	risk	risk	NOUN
cblr-2966	63	13	of	of	ADP
cblr-2966	63	14	prepayment	prepayment	NOUN
cblr-2966	63	15	is	be	AUX
cblr-2966	63	16	higher	high	ADJ
cblr-2966	63	17	because	because	SCONJ
cblr-2966	63	18	prepayment	prepayment	NOUN
cblr-2966	63	19	occurs	occur	VERB
cblr-2966	63	20	not	not	PART
cblr-2966	63	21	only	only	ADV
cblr-2966	63	22	2	2	NUM
cblr-2966	63	23	lenders	lender	NOUN
cblr-2966	63	24	use	use	VERB
cblr-2966	63	25	fico	fico	NOUN
cblr-2966	63	26	scores	score	NOUN
cblr-2966	63	27	to	to	PART
cblr-2966	63	28	determine	determine	VERB
cblr-2966	63	29	the	the	DET
cblr-2966	63	30	creditworthiness	creditworthiness	NOUN
cblr-2966	63	31	of	of	ADP
cblr-2966	63	32	a	a	DET
cblr-2966	63	33	potential	potential	ADJ
cblr-2966	63	34	borrower	borrower	NOUN
cblr-2966	63	35	.	.	PUNCT
cblr-2966	64	1	the	the	DET
cblr-2966	64	2	fair	fair	PROPN
cblr-2966	64	3	isaac	isaac	PROPN
cblr-2966	64	4	&	&	CCONJ
cblr-2966	64	5	company	company	PROPN
cblr-2966	64	6	offers	offer	VERB
cblr-2966	64	7	a	a	DET
cblr-2966	64	8	full	full	ADJ
cblr-2966	64	9	explanation	explanation	NOUN
cblr-2966	64	10	.	.	PUNCT
cblr-2966	65	1	see	see	VERB
cblr-2966	65	2	generally	generally	ADV
cblr-2966	65	3	myfico.com	myfico.com	X
cblr-2966	65	4	,	,	PUNCT
cblr-2966	65	5	http://www.myfico.com/downloads/files/	http://www.myfico.com/downloads/files/	PROPN
cblr-2966	65	6	myfico_uyfsbooklet.pdf	myfico_uyfsbooklet.pdf	PROPN
cblr-2966	65	7	(	(	PUNCT
cblr-2966	65	8	last	last	ADV
cblr-2966	65	9	visited	visit	VERB
cblr-2966	65	10	dec	dec	PROPN
cblr-2966	65	11	.	.	PROPN
cblr-2966	65	12	3	3	NUM
cblr-2966	65	13	,	,	PUNCT
cblr-2966	65	14	2008	2008	NUM
cblr-2966	65	15	)	)	PUNCT
cblr-2966	65	16	(	(	PUNCT
cblr-2966	65	17	explaining	explain	VERB
cblr-2966	65	18	fico	fico	NOUN
cblr-2966	65	19	scores	score	NOUN
cblr-2966	65	20	)	)	PUNCT
cblr-2966	65	21	.	.	PUNCT
cblr-2966	66	1	the	the	DET
cblr-2966	66	2	subprime	subprime	ADJ
cblr-2966	66	3	market	market	NOUN
cblr-2966	66	4	can	can	AUX
cblr-2966	66	5	include	include	VERB
cblr-2966	66	6	people	people	NOUN
cblr-2966	66	7	with	with	ADP
cblr-2966	66	8	good	good	ADJ
cblr-2966	66	9	credit	credit	NOUN
cblr-2966	66	10	who	who	PRON
cblr-2966	66	11	have	have	VERB
cblr-2966	66	12	high	high	ADJ
cblr-2966	66	13	loan	loan	NOUN
cblr-2966	66	14	to	to	ADP
cblr-2966	66	15	value	value	NOUN
cblr-2966	66	16	ratios	ratio	NOUN
cblr-2966	66	17	,	,	PUNCT
cblr-2966	66	18	high	high	ADJ
cblr-2966	66	19	payment	payment	NOUN
cblr-2966	66	20	to	to	ADP
cblr-2966	66	21	income	income	NOUN
cblr-2966	66	22	ratios	ratio	NOUN
cblr-2966	66	23	,	,	PUNCT
cblr-2966	66	24	limited	limited	ADJ
cblr-2966	66	25	documentation	documentation	NOUN
cblr-2966	66	26	of	of	ADP
cblr-2966	66	27	income	income	NOUN
cblr-2966	66	28	,	,	PUNCT
cblr-2966	66	29	or	or	CCONJ
cblr-2966	66	30	unstable	unstable	ADJ
cblr-2966	66	31	income	income	NOUN
cblr-2966	66	32	.	.	PUNCT
cblr-2966	67	1	see	see	VERB
cblr-2966	67	2	roberto	roberto	PROPN
cblr-2966	67	3	g.	g.	PROPN
cblr-2966	67	4	quercia	quercia	PROPN
cblr-2966	67	5	et	et	PROPN
cblr-2966	67	6	al	al	PROPN
cblr-2966	67	7	.	.	PROPN
cblr-2966	67	8	,	,	PUNCT
cblr-2966	67	9	assessing	assess	VERB
cblr-2966	67	10	the	the	DET
cblr-2966	67	11	impact	impact	NOUN
cblr-2966	67	12	of	of	ADP
cblr-2966	67	13	north	north	PROPN
cblr-2966	67	14	carolina	carolina	PROPN
cblr-2966	67	15	's	's	PART
cblr-2966	67	16	predatory	predatory	ADJ
cblr-2966	67	17	lending	lending	NOUN
cblr-2966	67	18	law	law	NOUN
cblr-2966	67	19	,	,	PUNCT
cblr-2966	67	20	15	15	NUM
cblr-2966	67	21	housing	housing	NOUN
cblr-2966	67	22	poly	poly	ADJ
cblr-2966	67	23	debate	debate	NOUN
cblr-2966	67	24	573	573	NUM
cblr-2966	67	25	,	,	PUNCT
cblr-2966	67	26	574	574	NUM
cblr-2966	67	27	(	(	PUNCT
cblr-2966	67	28	2004	2004	NUM
cblr-2966	67	29	)	)	PUNCT
cblr-2966	67	30	.	.	PUNCT
cblr-2966	68	1	perhaps	perhaps	ADV
cblr-2966	68	2	the	the	DET
cblr-2966	68	3	easiest	easy	ADJ
cblr-2966	68	4	way	way	NOUN
cblr-2966	68	5	of	of	ADP
cblr-2966	68	6	characterizing	characterize	VERB
cblr-2966	68	7	subprime	subprime	ADJ
cblr-2966	68	8	lending	lending	NOUN
cblr-2966	68	9	is	be	AUX
cblr-2966	68	10	that	that	SCONJ
cblr-2966	68	11	it	it	PRON
cblr-2966	68	12	encompasses	encompass	VERB
cblr-2966	68	13	all	all	DET
cblr-2966	68	14	those	those	PRON
cblr-2966	68	15	who	who	PRON
cblr-2966	68	16	are	be	AUX
cblr-2966	68	17	ineligible	ineligible	ADJ
cblr-2966	68	18	for	for	ADP
cblr-2966	68	19	prime	prime	ADJ
cblr-2966	68	20	lending	lending	NOUN
cblr-2966	68	21	.	.	PUNCT
cblr-2966	69	1	see	see	VERB
cblr-2966	69	2	peter	peter	PROPN
cblr-2966	69	3	chinloy	chinloy	PROPN
cblr-2966	69	4	&	&	CCONJ
cblr-2966	69	5	nancy	nancy	PROPN
cblr-2966	69	6	macdonald	macdonald	PROPN
cblr-2966	69	7	,	,	PUNCT
cblr-2966	69	8	subprime	subprime	ADJ
cblr-2966	69	9	lenders	lender	NOUN
cblr-2966	69	10	and	and	CCONJ
cblr-2966	69	11	mortgage	mortgage	NOUN
cblr-2966	69	12	market	market	NOUN
cblr-2966	69	13	completion	completion	NOUN
cblr-2966	69	14	,	,	PUNCT
cblr-2966	69	15	30	30	NUM
cblr-2966	69	16	j.	j.	PROPN
cblr-2966	69	17	real	real	PROPN
cblr-2966	69	18	est	est	X
cblr-2966	69	19	.	.	PUNCT
cblr-2966	70	1	fin	fin	NOUN
cblr-2966	70	2	.	.	PUNCT
cblr-2966	70	3	&	&	CCONJ
cblr-2966	70	4	econ	econ	PROPN
cblr-2966	70	5	.	.	PUNCT
cblr-2966	71	1	153	153	NUM
cblr-2966	71	2	,	,	PUNCT
cblr-2966	71	3	164	164	NUM
cblr-2966	71	4	(	(	PUNCT
cblr-2966	71	5	2005	2005	NUM
cblr-2966	71	6	)	)	PUNCT
cblr-2966	71	7	.	.	PUNCT
cblr-2966	72	1	no	no	INTJ
cblr-2966	72	2	.	.	PUNCT
cblr-2966	73	1	3:1021	3:1021	NUM
cblr-2966	73	2	]	]	X
cblr-2966	73	3	when	when	SCONJ
cblr-2966	73	4	interest	interest	NOUN
cblr-2966	73	5	rates	rate	NOUN
cblr-2966	73	6	go	go	VERB
cblr-2966	73	7	down	down	ADV
cblr-2966	73	8	,	,	PUNCT
cblr-2966	73	9	but	but	CCONJ
cblr-2966	73	10	also	also	ADV
cblr-2966	73	11	if	if	SCONJ
cblr-2966	73	12	the	the	DET
cblr-2966	73	13	borrower	borrower	NOUN
cblr-2966	73	14	later	later	ADV
cblr-2966	73	15	qualifies	qualify	VERB
cblr-2966	73	16	for	for	ADP
cblr-2966	73	17	a	a	DET
cblr-2966	73	18	prime	prime	ADJ
cblr-2966	73	19	loan	loan	NOUN
cblr-2966	73	20	.	.	PUNCT
cblr-2966	74	1	13	13	NUM
cblr-2966	74	2	households	household	NOUN
cblr-2966	74	3	historically	historically	ADV
cblr-2966	74	4	excluded	exclude	VERB
cblr-2966	74	5	from	from	ADP
cblr-2966	74	6	the	the	DET
cblr-2966	74	7	regular	regular	ADJ
cblr-2966	74	8	credit	credit	NOUN
cblr-2966	74	9	market	market	NOUN
cblr-2966	74	10	,	,	PUNCT
cblr-2966	74	11	especially	especially	ADV
cblr-2966	74	12	minority	minority	NOUN
cblr-2966	74	13	households	household	NOUN
cblr-2966	74	14	,	,	PUNCT
cblr-2966	74	15	comprise	comprise	VERB
cblr-2966	74	16	much	much	ADJ
cblr-2966	74	17	of	of	ADP
cblr-2966	74	18	subprime	subprime	ADJ
cblr-2966	74	19	lending	lending	NOUN
cblr-2966	74	20	.	.	PUNCT
cblr-2966	75	1	4	4	NUM
cblr-2966	75	2	these	these	DET
cblr-2966	75	3	consumers	consumer	NOUN
cblr-2966	75	4	tend	tend	VERB
cblr-2966	75	5	to	to	PART
cblr-2966	75	6	be	be	AUX
cblr-2966	75	7	unfamiliar	unfamiliar	ADJ
cblr-2966	75	8	with	with	ADP
cblr-2966	75	9	the	the	DET
cblr-2966	75	10	loan	loan	NOUN
cblr-2966	75	11	process	process	NOUN
cblr-2966	75	12	and	and	CCONJ
cblr-2966	75	13	often	often	ADV
cblr-2966	75	14	lack	lack	VERB
cblr-2966	75	15	the	the	DET
cblr-2966	75	16	educational	educational	ADJ
cblr-2966	75	17	skills	skill	NOUN
cblr-2966	75	18	necessary	necessary	ADJ
cblr-2966	75	19	to	to	PART
cblr-2966	75	20	comprehend	comprehend	VERB
cblr-2966	75	21	the	the	DET
cblr-2966	75	22	loan	loan	NOUN
cblr-2966	75	23	documents	document	NOUN
cblr-2966	75	24	they	they	PRON
cblr-2966	75	25	sign	sign	VERB
cblr-2966	75	26	.	.	PUNCT
cblr-2966	76	1	5	5	NUM
cblr-2966	76	2	the	the	DET
cblr-2966	76	3	subprime	subprime	ADJ
cblr-2966	76	4	market	market	NOUN
cblr-2966	76	5	tends	tend	VERB
cblr-2966	76	6	to	to	PART
cblr-2966	76	7	consist	consist	VERB
cblr-2966	76	8	of	of	ADP
cblr-2966	76	9	the	the	DET
cblr-2966	76	10	most	most	ADV
cblr-2966	76	11	vulnerable	vulnerable	ADJ
cblr-2966	76	12	consumers	consumer	NOUN
cblr-2966	76	13	.	.	PUNCT
cblr-2966	77	1	'	'	PUNCT
cblr-2966	77	2	"	"	PUNCT
cblr-2966	77	3	see	see	VERB
cblr-2966	77	4	ronald	ronald	PROPN
cblr-2966	77	5	h.	h.	PROPN
cblr-2966	77	6	silverman	silverman	PROPN
cblr-2966	77	7	,	,	PUNCT
cblr-2966	77	8	toward	toward	ADP
cblr-2966	77	9	curing	cure	VERB
cblr-2966	77	10	predatory	predatory	ADJ
cblr-2966	77	11	lending	lending	NOUN
cblr-2966	77	12	,	,	PUNCT
cblr-2966	77	13	122	122	NUM
cblr-2966	77	14	banking	banking	NOUN
cblr-2966	77	15	l.j	l.j	PROPN
cblr-2966	77	16	.	.	PROPN
cblr-2966	77	17	483	483	NUM
cblr-2966	77	18	,	,	PUNCT
cblr-2966	77	19	528	528	NUM
cblr-2966	77	20	-	-	SYM
cblr-2966	77	21	29	29	NUM
cblr-2966	77	22	(	(	PUNCT
cblr-2966	77	23	2005	2005	NUM
cblr-2966	77	24	)	)	PUNCT
cblr-2966	77	25	(	(	PUNCT
cblr-2966	77	26	suggesting	suggest	VERB
cblr-2966	77	27	that	that	SCONJ
cblr-2966	77	28	lenders	lender	NOUN
cblr-2966	77	29	dislike	dislike	VERB
cblr-2966	77	30	prepayment	prepayment	NOUN
cblr-2966	77	31	because	because	SCONJ
cblr-2966	77	32	they	they	PRON
cblr-2966	77	33	lose	lose	VERB
cblr-2966	77	34	out	out	ADP
cblr-2966	77	35	on	on	ADP
cblr-2966	77	36	interest	interest	NOUN
cblr-2966	77	37	payments	payment	NOUN
cblr-2966	77	38	,	,	PUNCT
cblr-2966	77	39	and	and	CCONJ
cblr-2966	77	40	that	that	SCONJ
cblr-2966	77	41	subprime	subprime	ADJ
cblr-2966	77	42	borrowers	borrower	NOUN
cblr-2966	77	43	are	be	AUX
cblr-2966	77	44	particularly	particularly	ADV
cblr-2966	77	45	likely	likely	ADJ
cblr-2966	77	46	to	to	PART
cblr-2966	77	47	prepay	prepay	VERB
cblr-2966	77	48	)	)	PUNCT
cblr-2966	77	49	.	.	PUNCT
cblr-2966	78	1	14	14	NUM
cblr-2966	78	2	see	see	VERB
cblr-2966	78	3	david	david	PROPN
cblr-2966	78	4	j.	j.	PROPN
cblr-2966	78	5	weiner	weiner	PROPN
cblr-2966	78	6	,	,	PUNCT
cblr-2966	78	7	assignee	assignee	NOUN
cblr-2966	78	8	liability	liability	NOUN
cblr-2966	78	9	in	in	ADP
cblr-2966	78	10	state	state	NOUN
cblr-2966	78	11	predatory	predatory	NOUN
cblr-2966	78	12	lending	lending	NOUN
cblr-2966	78	13	laws	law	NOUN
cblr-2966	78	14	:	:	PUNCT
cblr-2966	78	15	how	how	SCONJ
cblr-2966	78	16	uncapped	uncapped	ADJ
cblr-2966	78	17	punitive	punitive	ADJ
cblr-2966	78	18	damages	damage	NOUN
cblr-2966	78	19	threaten	threaten	VERB
cblr-2966	78	20	the	the	DET
cblr-2966	78	21	secondary	secondary	ADJ
cblr-2966	78	22	mortgage	mortgage	NOUN
cblr-2966	78	23	market	market	NOUN
cblr-2966	78	24	,	,	PUNCT
cblr-2966	78	25	55	55	NUM
cblr-2966	78	26	emory	emory	PROPN
cblr-2966	78	27	l.j	l.j	PROPN
cblr-2966	78	28	.	.	PROPN
cblr-2966	78	29	535	535	NUM
cblr-2966	78	30	,	,	PUNCT
cblr-2966	78	31	542	542	NUM
cblr-2966	78	32	(	(	PUNCT
cblr-2966	78	33	2006	2006	NUM
cblr-2966	78	34	)	)	PUNCT
cblr-2966	78	35	(	(	PUNCT
cblr-2966	78	36	suggesting	suggest	VERB
cblr-2966	78	37	that	that	SCONJ
cblr-2966	78	38	subprime	subprime	ADJ
cblr-2966	78	39	lending	lending	NOUN
cblr-2966	78	40	was	be	AUX
cblr-2966	78	41	three	three	NUM
cblr-2966	78	42	times	time	NOUN
cblr-2966	78	43	more	more	ADV
cblr-2966	78	44	likely	likely	ADJ
cblr-2966	78	45	in	in	ADP
cblr-2966	78	46	low	low	ADJ
cblr-2966	78	47	-	-	PUNCT
cblr-2966	78	48	income	income	NOUN
cblr-2966	78	49	neighborhoods	neighborhood	NOUN
cblr-2966	78	50	,	,	PUNCT
cblr-2966	78	51	and	and	CCONJ
cblr-2966	78	52	five	five	NUM
cblr-2966	78	53	times	time	NOUN
cblr-2966	78	54	more	more	ADV
cblr-2966	78	55	likely	likely	ADJ
cblr-2966	78	56	in	in	ADP
cblr-2966	78	57	minority	minority	NOUN
cblr-2966	78	58	neighborhoods	neighborhood	NOUN
cblr-2966	78	59	)	)	PUNCT
cblr-2966	78	60	.	.	PUNCT
cblr-2966	79	1	see	see	VERB
cblr-2966	79	2	also	also	ADV
cblr-2966	79	3	robert	robert	PROPN
cblr-2966	79	4	b.	b.	PROPN
cblr-2966	79	5	avery	avery	PROPN
cblr-2966	79	6	et	et	PROPN
cblr-2966	79	7	al	al	PROPN
cblr-2966	79	8	.	.	PROPN
cblr-2966	79	9	,	,	PUNCT
cblr-2966	79	10	higher	higher	ADV
cblr-2966	79	11	-	-	PUNCT
cblr-2966	79	12	priced	price	VERB
cblr-2966	79	13	home	home	NOUN
cblr-2966	79	14	lending	lending	NOUN
cblr-2966	79	15	and	and	CCONJ
cblr-2966	79	16	the	the	DET
cblr-2966	79	17	2005	2005	NUM
cblr-2966	79	18	hmda	hmda	ADJ
cblr-2966	79	19	data	datum	NOUN
cblr-2966	79	20	,	,	PUNCT
cblr-2966	79	21	92	92	NUM
cblr-2966	79	22	fed	feed	VERB
cblr-2966	79	23	.	.	PUNCT
cblr-2966	80	1	res	re	NOUN
cblr-2966	80	2	.	.	PUNCT
cblr-2966	81	1	bull	bull	NOUN
cblr-2966	81	2	.	.	PUNCT
cblr-2966	82	1	a123	a123	PROPN
cblr-2966	82	2	,	,	PUNCT
cblr-2966	82	3	a126	a126	PROPN
cblr-2966	82	4	(	(	PUNCT
cblr-2966	82	5	2006	2006	NUM
cblr-2966	82	6	)	)	PUNCT
cblr-2966	82	7	;	;	PUNCT
cblr-2966	82	8	debbie	debbie	PROPN
cblr-2966	82	9	gruenstein	gruenstein	PROPN
cblr-2966	82	10	bocian	bocian	PROPN
cblr-2966	82	11	et	et	PROPN
cblr-2966	82	12	al	al	PROPN
cblr-2966	82	13	.	.	PROPN
cblr-2966	82	14	,	,	PUNCT
cblr-2966	82	15	ctr	ctr	PROPN
cblr-2966	82	16	.	.	PUNCT
cblr-2966	83	1	for	for	ADP
cblr-2966	83	2	responsible	responsible	ADJ
cblr-2966	83	3	lending	lending	NOUN
cblr-2966	83	4	,	,	PUNCT
cblr-2966	83	5	unfair	unfair	ADJ
cblr-2966	83	6	lending	lending	NOUN
cblr-2966	83	7	:	:	PUNCT
cblr-2966	83	8	the	the	DET
cblr-2966	83	9	effect	effect	NOUN
cblr-2966	83	10	of	of	ADP
cblr-2966	83	11	race	race	NOUN
cblr-2966	83	12	and	and	CCONJ
cblr-2966	83	13	ethnicity	ethnicity	NOUN
cblr-2966	83	14	on	on	ADP
cblr-2966	83	15	the	the	DET
cblr-2966	83	16	price	price	NOUN
cblr-2966	83	17	of	of	ADP
cblr-2966	83	18	subprime	subprime	ADJ
cblr-2966	83	19	mortgages	mortgage	NOUN
cblr-2966	83	20	(	(	PUNCT
cblr-2966	83	21	2006	2006	NUM
cblr-2966	83	22	)	)	PUNCT
cblr-2966	83	23	,	,	PUNCT
cblr-2966	83	24	http://www	http://www	PROPN
cblr-2966	83	25	.	.	PROPN
cblr-2966	83	26	responsiblelending.org/pdfs/rrol1-unfairlending-0506.pdf	responsiblelending.org/pdfs/rrol1-unfairlending-0506.pdf	PROPN
cblr-2966	83	27	;	;	PUNCT
cblr-2966	83	28	bostic	bostic	PROPN
cblr-2966	83	29	et	et	PROPN
cblr-2966	83	30	al	al	PROPN
cblr-2966	83	31	.	.	PROPN
cblr-2966	83	32	,	,	PUNCT
cblr-2966	83	33	supra	supra	PROPN
cblr-2966	83	34	note	note	PROPN
cblr-2966	83	35	7	7	NUM
cblr-2966	83	36	,	,	PUNCT
cblr-2966	83	37	at	at	ADP
cblr-2966	83	38	15	15	NUM
cblr-2966	83	39	;	;	PUNCT
cblr-2966	83	40	giang	giang	PROPN
cblr-2966	83	41	ho	ho	PROPN
cblr-2966	83	42	&	&	CCONJ
cblr-2966	83	43	anthony	anthony	PROPN
cblr-2966	83	44	pennington	pennington	PROPN
cblr-2966	83	45	-	-	PUNCT
cblr-2966	83	46	cross	cross	PROPN
cblr-2966	83	47	,	,	PUNCT
cblr-2966	83	48	the	the	DET
cblr-2966	83	49	impact	impact	NOUN
cblr-2966	83	50	of	of	ADP
cblr-2966	83	51	local	local	ADJ
cblr-2966	83	52	predatory	predatory	ADJ
cblr-2966	83	53	lending	lending	NOUN
cblr-2966	83	54	laws	law	NOUN
cblr-2966	83	55	on	on	ADP
cblr-2966	83	56	the	the	DET
cblr-2966	83	57	flow	flow	NOUN
cblr-2966	83	58	of	of	ADP
cblr-2966	83	59	subprime	subprime	ADJ
cblr-2966	83	60	credit	credit	NOUN
cblr-2966	83	61	,	,	PUNCT
cblr-2966	83	62	60	60	NUM
cblr-2966	83	63	j.	j.	PROPN
cblr-2966	83	64	urban	urban	PROPN
cblr-2966	83	65	econ	econ	PROPN
cblr-2966	83	66	.	.	PROPN
cblr-2966	83	67	210	210	NUM
cblr-2966	83	68	,	,	PUNCT
cblr-2966	83	69	219	219	NUM
cblr-2966	83	70	(	(	PUNCT
cblr-2966	83	71	2006	2006	NUM
cblr-2966	83	72	)	)	PUNCT
cblr-2966	83	73	.	.	PUNCT
cblr-2966	84	1	moreover	moreover	ADV
cblr-2966	84	2	table	table	NOUN
cblr-2966	84	3	4	4	NUM
cblr-2966	84	4	demonstrates	demonstrate	VERB
cblr-2966	84	5	that	that	SCONJ
cblr-2966	84	6	minorities	minority	NOUN
cblr-2966	84	7	comprise	comprise	VERB
cblr-2966	84	8	nearly	nearly	ADV
cblr-2966	84	9	40	40	NUM
cblr-2966	84	10	%	%	NOUN
cblr-2966	84	11	of	of	ADP
cblr-2966	84	12	all	all	DET
cblr-2966	84	13	the	the	DET
cblr-2966	84	14	subprime	subprime	ADJ
cblr-2966	84	15	loans	loan	NOUN
cblr-2966	84	16	offered	offer	VERB
cblr-2966	84	17	between	between	ADP
cblr-2966	84	18	2004	2004	NUM
cblr-2966	84	19	and	and	CCONJ
cblr-2966	84	20	2006	2006	NUM
cblr-2966	84	21	,	,	PUNCT
cblr-2966	84	22	whereas	whereas	SCONJ
cblr-2966	84	23	they	they	PRON
cblr-2966	84	24	comprise	comprise	VERB
cblr-2966	84	25	roughly	roughly	ADV
cblr-2966	84	26	only	only	ADV
cblr-2966	84	27	20	20	NUM
cblr-2966	84	28	%	%	NOUN
cblr-2966	84	29	of	of	ADP
cblr-2966	84	30	the	the	DET
cblr-2966	84	31	prime	prime	ADJ
cblr-2966	84	32	market	market	NOUN
cblr-2966	84	33	in	in	ADP
cblr-2966	84	34	the	the	DET
cblr-2966	84	35	same	same	ADJ
cblr-2966	84	36	period	period	NOUN
cblr-2966	84	37	.	.	PUNCT
cblr-2966	84	38	"	"	PUNCT
cblr-2966	85	1	these	these	PRON
cblr-2966	85	2	are	be	AUX
cblr-2966	85	3	complex	complex	ADJ
cblr-2966	85	4	transactions	transaction	NOUN
cblr-2966	85	5	.	.	PUNCT
cblr-2966	86	1	the	the	DET
cblr-2966	86	2	paper	paper	NOUN
cblr-2966	86	3	documentation	documentation	NOUN
cblr-2966	86	4	can	can	AUX
cblr-2966	86	5	be	be	AUX
cblr-2966	86	6	up	up	ADP
cblr-2966	86	7	to	to	PART
cblr-2966	86	8	one	one	NUM
cblr-2966	86	9	inch	inch	NOUN
cblr-2966	86	10	thick	thick	ADJ
cblr-2966	86	11	and	and	CCONJ
cblr-2966	86	12	require	require	VERB
cblr-2966	86	13	signatures	signature	NOUN
cblr-2966	86	14	in	in	ADP
cblr-2966	86	15	twenty	twenty	NUM
cblr-2966	86	16	to	to	PART
cblr-2966	86	17	forty	forty	NUM
cblr-2966	86	18	places	place	NOUN
cblr-2966	86	19	.	.	PUNCT
cblr-2966	87	1	one	one	NUM
cblr-2966	87	2	study	study	NOUN
cblr-2966	87	3	demonstrated	demonstrate	VERB
cblr-2966	87	4	that	that	SCONJ
cblr-2966	87	5	about	about	ADV
cblr-2966	87	6	79	79	NUM
cblr-2966	87	7	%	%	NOUN
cblr-2966	87	8	of	of	ADP
cblr-2966	87	9	adults	adult	NOUN
cblr-2966	87	10	have	have	AUX
cblr-2966	87	11	limited	limit	VERB
cblr-2966	87	12	quantitative	quantitative	ADJ
cblr-2966	87	13	literacy	literacy	NOUN
cblr-2966	87	14	skills	skill	NOUN
cblr-2966	87	15	and	and	CCONJ
cblr-2966	87	16	96	96	NUM
cblr-2966	87	17	%	%	NOUN
cblr-2966	87	18	can	can	AUX
cblr-2966	87	19	not	not	PART
cblr-2966	87	20	extract	extract	VERB
cblr-2966	87	21	and	and	CCONJ
cblr-2966	87	22	compute	compute	VERB
cblr-2966	87	23	credit	credit	NOUN
cblr-2966	87	24	cost	cost	NOUN
cblr-2966	87	25	information	information	NOUN
cblr-2966	87	26	from	from	ADP
cblr-2966	87	27	disclosure	disclosure	NOUN
cblr-2966	87	28	documents	document	NOUN
cblr-2966	87	29	.	.	PUNCT
cblr-2966	88	1	elizabeth	elizabeth	PROPN
cblr-2966	88	2	renuart	renuart	PROPN
cblr-2966	88	3	,	,	PUNCT
cblr-2966	88	4	toward	toward	ADP
cblr-2966	88	5	one	one	NUM
cblr-2966	88	6	competitive	competitive	ADJ
cblr-2966	88	7	and	and	CCONJ
cblr-2966	88	8	fair	fair	ADJ
cblr-2966	88	9	mortgage	mortgage	NOUN
cblr-2966	88	10	market	market	NOUN
cblr-2966	88	11	:	:	PUNCT
cblr-2966	88	12	suggested	suggest	VERB
cblr-2966	88	13	reforms	reform	NOUN
cblr-2966	88	14	in	in	ADP
cblr-2966	88	15	a	a	DET
cblr-2966	88	16	tale	tale	NOUN
cblr-2966	88	17	of	of	ADP
cblr-2966	88	18	three	three	NUM
cblr-2966	88	19	markets	market	NOUN
cblr-2966	88	20	point	point	NOUN
cblr-2966	88	21	in	in	ADP
cblr-2966	88	22	the	the	DET
cblr-2966	88	23	right	right	ADJ
cblr-2966	88	24	direction	direction	NOUN
cblr-2966	88	25	,	,	PUNCT
cblr-2966	88	26	82	82	NUM
cblr-2966	88	27	tex	tex	PROPN
cblr-2966	88	28	.	.	PROPN
cblr-2966	88	29	l.	l.	PROPN
cblr-2966	88	30	rev	rev	PROPN
cblr-2966	88	31	.	.	PROPN
cblr-2966	88	32	421	421	NUM
cblr-2966	88	33	,	,	PUNCT
cblr-2966	88	34	432	432	NUM
cblr-2966	88	35	(	(	PUNCT
cblr-2966	88	36	2003	2003	NUM
cblr-2966	88	37	)	)	PUNCT
cblr-2966	88	38	.	.	PUNCT
cblr-2966	89	1	moreover	moreover	ADV
cblr-2966	89	2	,	,	PUNCT
cblr-2966	89	3	the	the	DET
cblr-2966	89	4	great	great	ADJ
cblr-2966	89	5	effectiveness	effectiveness	NOUN
cblr-2966	89	6	of	of	ADP
cblr-2966	89	7	credit	credit	NOUN
cblr-2966	89	8	counseling	counseling	NOUN
cblr-2966	89	9	-	-	PUNCT
cblr-2966	89	10	homeowners	homeowner	NOUN
cblr-2966	89	11	are	be	AUX
cblr-2966	89	12	almost	almost	ADV
cblr-2966	89	13	twice	twice	ADV
cblr-2966	89	14	as	as	ADV
cblr-2966	89	15	likely	likely	ADJ
cblr-2966	89	16	to	to	PART
cblr-2966	89	17	avoid	avoid	VERB
cblr-2966	89	18	foreclosure	foreclosure	NOUN
cblr-2966	89	19	when	when	SCONJ
cblr-2966	89	20	they	they	PRON
cblr-2966	89	21	see	see	VERB
cblr-2966	89	22	a	a	DET
cblr-2966	89	23	counselor	counselor	NOUN
cblr-2966	89	24	--	--	PUNCT
cblr-2966	89	25	demonstrates	demonstrate	VERB
cblr-2966	89	26	that	that	SCONJ
cblr-2966	89	27	most	most	ADJ
cblr-2966	89	28	subprime	subprime	ADJ
cblr-2966	89	29	borrowers	borrower	NOUN
cblr-2966	89	30	do	do	AUX
cblr-2966	89	31	not	not	PART
cblr-2966	89	32	have	have	VERB
cblr-2966	89	33	the	the	DET
cblr-2966	89	34	wherewithal	wherewithal	NOUN
cblr-2966	89	35	to	to	PART
cblr-2966	89	36	make	make	VERB
cblr-2966	89	37	sustainable	sustainable	ADJ
cblr-2966	89	38	credit	credit	NOUN
cblr-2966	89	39	decisions	decision	NOUN
cblr-2966	89	40	.	.	PUNCT
cblr-2966	90	1	roberto	roberto	PROPN
cblr-2966	90	2	g.	g.	PROPN
cblr-2966	90	3	quercia	quercia	PROPN
cblr-2966	90	4	et	et	PROPN
cblr-2966	90	5	al	al	PROPN
cblr-2966	90	6	.	.	PROPN
cblr-2966	90	7	,	,	PUNCT
cblr-2966	90	8	the	the	DET
cblr-2966	90	9	costeffectiveness	costeffectiveness	NOUN
cblr-2966	90	10	of	of	ADP
cblr-2966	90	11	community	community	NOUN
cblr-2966	90	12	-	-	PUNCT
cblr-2966	90	13	based	base	VERB
cblr-2966	90	14	foreclosure	foreclosure	NOUN
cblr-2966	90	15	prevention	prevention	NOUN
cblr-2966	90	16	31	31	NUM
cblr-2966	90	17	(	(	PUNCT
cblr-2966	90	18	dec	dec	PROPN
cblr-2966	90	19	.	.	PROPN
cblr-2966	90	20	8	8	NUM
cblr-2966	90	21	,	,	PUNCT
cblr-2966	90	22	2005	2005	NUM
cblr-2966	90	23	)	)	PUNCT
cblr-2966	90	24	(	(	PUNCT
cblr-2966	90	25	unpublished	unpublished	ADJ
cblr-2966	90	26	manuscript	manuscript	NOUN
cblr-2966	90	27	,	,	PUNCT
cblr-2966	90	28	available	available	ADJ
cblr-2966	90	29	at	at	ADP
cblr-2966	90	30	http://www.fhfund.org/	http://www.fhfund.org/	ADJ
cblr-2966	90	31	dnldlreports	dnldlreport	NOUN
cblr-2966	90	32	/	/	SYM
cblr-2966	90	33	mfpfull	mfpfull	NOUN
cblr-2966	90	34	-	-	PUNCT
cblr-2966	90	35	report.pdf	report.pdf	NOUN
cblr-2966	90	36	)	)	PUNCT
cblr-2966	90	37	.	.	PUNCT
cblr-2966	91	1	[	[	X
cblr-2966	91	2	vol	vol	NOUN
cblr-2966	91	3	.	.	PUNCT
cblr-2966	92	1	2008col	2008col	NUM
cblr-2966	92	2	umia	umia	NOUN
cblr-2966	92	3	b	b	PROPN
cblr-2966	92	4	usiness	usiness	NOUN
cblr-2966	92	5	la	la	PROPN
cblr-2966	92	6	w	w	PROPN
cblr-2966	92	7	re	re	PROPN
cblr-2966	92	8	vie	vie	PROPN
cblr-2966	92	9	w	w	PROPN
cblr-2966	92	10	rethinking	rethink	VERB
cblr-2966	92	11	assignee	assignee	NOUN
cblr-2966	92	12	liability	liability	NOUN
cblr-2966	92	13	nevertheless	nevertheless	ADV
cblr-2966	92	14	,	,	PUNCT
cblr-2966	92	15	many	many	ADJ
cblr-2966	92	16	experts	expert	NOUN
cblr-2966	92	17	believe	believe	VERB
cblr-2966	92	18	subprime	subprime	ADJ
cblr-2966	92	19	lending	lending	NOUN
cblr-2966	92	20	is	be	AUX
cblr-2966	92	21	welfare	welfare	NOUN
cblr-2966	92	22	enhancing	enhancing	NOUN
cblr-2966	92	23	.	.	PUNCT
cblr-2966	93	1	6	6	NUM
cblr-2966	93	2	numerous	numerous	ADJ
cblr-2966	93	3	studies	study	NOUN
cblr-2966	93	4	link	link	VERB
cblr-2966	93	5	the	the	DET
cblr-2966	93	6	availability	availability	NOUN
cblr-2966	93	7	of	of	ADP
cblr-2966	93	8	subprime	subprime	ADJ
cblr-2966	93	9	credit	credit	NOUN
cblr-2966	93	10	to	to	ADP
cblr-2966	93	11	a	a	DET
cblr-2966	93	12	national	national	ADJ
cblr-2966	93	13	rise	rise	NOUN
cblr-2966	93	14	in	in	ADP
cblr-2966	93	15	home	home	NOUN
cblr-2966	93	16	ownership	ownership	NOUN
cblr-2966	93	17	.	.	PUNCT
cblr-2966	94	1	7	7	NUM
cblr-2966	94	2	table	table	NOUN
cblr-2966	94	3	1	1	NUM
cblr-2966	94	4	tracks	track	VERB
cblr-2966	94	5	the	the	DET
cblr-2966	94	6	dramatic	dramatic	ADJ
cblr-2966	94	7	5	5	NUM
cblr-2966	94	8	%	%	NOUN
cblr-2966	94	9	increase	increase	NOUN
cblr-2966	94	10	in	in	ADP
cblr-2966	94	11	u.s	u.s	PROPN
cblr-2966	94	12	.	.	PROPN
cblr-2966	94	13	homeownership	homeownership	NOUN
cblr-2966	94	14	since	since	SCONJ
cblr-2966	94	15	1995.1	1995.1	NUM
cblr-2966	94	16	these	these	DET
cblr-2966	94	17	gains	gain	NOUN
cblr-2966	94	18	were	be	AUX
cblr-2966	94	19	the	the	DET
cblr-2966	94	20	most	most	ADV
cblr-2966	94	21	pronounced	pronounce	VERB
cblr-2966	94	22	among	among	ADP
cblr-2966	94	23	african	african	PROPN
cblr-2966	94	24	-	-	PUNCT
cblr-2966	94	25	americans	americans	PROPN
cblr-2966	94	26	and	and	CCONJ
cblr-2966	94	27	hispanics	hispanic	NOUN
cblr-2966	94	28	,	,	PUNCT
cblr-2966	94	29	with	with	ADP
cblr-2966	94	30	homeownership	homeownership	NOUN
cblr-2966	94	31	rates	rate	NOUN
cblr-2966	94	32	increasing	increase	VERB
cblr-2966	94	33	almost	almost	ADV
cblr-2966	94	34	10	10	NUM
cblr-2966	94	35	%	%	NOUN
cblr-2966	94	36	for	for	ADP
cblr-2966	94	37	each	each	DET
cblr-2966	94	38	group	group	NOUN
cblr-2966	94	39	.	.	PUNCT
cblr-2966	95	1	the	the	DET
cblr-2966	95	2	rise	rise	NOUN
cblr-2966	95	3	of	of	ADP
cblr-2966	95	4	homeownership	homeownership	NOUN
cblr-2966	95	5	closely	closely	ADV
cblr-2966	95	6	followed	follow	VERB
cblr-2966	95	7	the	the	DET
cblr-2966	95	8	explosion	explosion	NOUN
cblr-2966	95	9	of	of	ADP
cblr-2966	95	10	subprime	subprime	ADJ
cblr-2966	95	11	lending	lending	NOUN
cblr-2966	95	12	.	.	PUNCT
cblr-2966	96	1	9	9	NUM
cblr-2966	96	2	one	one	NUM
cblr-2966	96	3	study	study	NOUN
cblr-2966	96	4	determined	determine	VERB
cblr-2966	96	5	that	that	SCONJ
cblr-2966	96	6	changes	change	NOUN
cblr-2966	96	7	in	in	ADP
cblr-2966	96	8	demographics	demographic	NOUN
cblr-2966	96	9	only	only	ADV
cblr-2966	96	10	accounted	account	VERB
cblr-2966	96	11	for	for	ADP
cblr-2966	96	12	about	about	ADP
cblr-2966	96	13	half	half	NOUN
cblr-2966	96	14	of	of	ADP
cblr-2966	96	15	the	the	DET
cblr-2966	96	16	housing	housing	NOUN
cblr-2966	96	17	growth.2	growth.2	NOUN
cblr-2966	96	18	°	°	ADJ
cblr-2966	96	19	subprime	subprime	ADJ
cblr-2966	96	20	lending	lending	NOUN
cblr-2966	96	21	provides	provide	VERB
cblr-2966	96	22	needed	need	VERB
cblr-2966	96	23	credit	credit	NOUN
cblr-2966	96	24	to	to	ADP
cblr-2966	96	25	many	many	ADJ
cblr-2966	96	26	in	in	ADP
cblr-2966	96	27	the	the	DET
cblr-2966	96	28	non	non	ADJ
cblr-2966	96	29	-	-	ADJ
cblr-2966	96	30	prime	prime	ADJ
cblr-2966	96	31	sector.21	sector.21	PROPN
cblr-2966	96	32	subprime	subprime	ADJ
cblr-2966	96	33	loans	loan	NOUN
cblr-2966	96	34	also	also	ADV
cblr-2966	96	35	help	help	VERB
cblr-2966	96	36	credit	credit	NOUN
cblr-2966	96	37	16	16	NUM
cblr-2966	96	38	ho	ho	PROPN
cblr-2966	96	39	&	&	CCONJ
cblr-2966	96	40	pennington	pennington	PROPN
cblr-2966	96	41	-	-	PUNCT
cblr-2966	96	42	cross	cross	PROPN
cblr-2966	96	43	,	,	PUNCT
cblr-2966	96	44	supra	supra	ADJ
cblr-2966	96	45	note	note	PROPN
cblr-2966	96	46	14	14	NUM
cblr-2966	96	47	,	,	PUNCT
cblr-2966	96	48	at	at	ADP
cblr-2966	96	49	211	211	NUM
cblr-2966	96	50	;	;	PUNCT
cblr-2966	96	51	chinloy	chinloy	PROPN
cblr-2966	96	52	&	&	CCONJ
cblr-2966	96	53	macdonald	macdonald	PROPN
cblr-2966	96	54	,	,	PUNCT
cblr-2966	96	55	supra	supra	PROPN
cblr-2966	96	56	note	note	NOUN
cblr-2966	96	57	12	12	NUM
cblr-2966	96	58	,	,	PUNCT
cblr-2966	96	59	at	at	ADP
cblr-2966	96	60	154	154	NUM
cblr-2966	96	61	;	;	PUNCT
cblr-2966	96	62	keith	keith	PROPN
cblr-2966	96	63	d.	d.	PROPN
cblr-2966	96	64	harvey	harvey	PROPN
cblr-2966	96	65	&	&	CCONJ
cblr-2966	96	66	peter	peter	PROPN
cblr-2966	96	67	j.	j.	PROPN
cblr-2966	96	68	nigro	nigro	PROPN
cblr-2966	96	69	,	,	PUNCT
cblr-2966	96	70	how	how	SCONJ
cblr-2966	96	71	do	do	AUX
cblr-2966	96	72	predatory	predatory	NOUN
cblr-2966	96	73	lending	lending	NOUN
cblr-2966	96	74	laws	law	NOUN
cblr-2966	96	75	influence	influence	VERB
cblr-2966	96	76	mortgage	mortgage	NOUN
cblr-2966	96	77	lending	lending	NOUN
cblr-2966	96	78	in	in	ADP
cblr-2966	96	79	urban	urban	ADJ
cblr-2966	96	80	areas	area	NOUN
cblr-2966	96	81	?	?	PUNCT
cblr-2966	97	1	a	a	DET
cblr-2966	97	2	tale	tale	NOUN
cblr-2966	97	3	of	of	ADP
cblr-2966	97	4	two	two	NUM
cblr-2966	97	5	cities	city	NOUN
cblr-2966	97	6	,	,	PUNCT
cblr-2966	97	7	25	25	NUM
cblr-2966	97	8	j.	j.	PROPN
cblr-2966	97	9	real	real	PROPN
cblr-2966	97	10	est	est	X
cblr-2966	97	11	.	.	PUNCT
cblr-2966	98	1	res	re	NOUN
cblr-2966	98	2	.	.	PUNCT
cblr-2966	99	1	479	479	NUM
cblr-2966	99	2	(	(	PUNCT
cblr-2966	99	3	2003	2003	NUM
cblr-2966	99	4	)	)	PUNCT
cblr-2966	99	5	.	.	PUNCT
cblr-2966	100	1	17	17	NUM
cblr-2966	100	2	john	john	PROPN
cblr-2966	100	3	kiff	kiff	PROPN
cblr-2966	100	4	&	&	CCONJ
cblr-2966	100	5	paul	paul	PROPN
cblr-2966	100	6	mills	mills	PROPN
cblr-2966	100	7	,	,	PUNCT
cblr-2966	100	8	money	money	NOUN
cblr-2966	100	9	for	for	ADP
cblr-2966	100	10	nothing	nothing	PRON
cblr-2966	100	11	and	and	CCONJ
cblr-2966	100	12	checks	check	NOUN
cblr-2966	100	13	for	for	ADP
cblr-2966	100	14	free	free	ADJ
cblr-2966	100	15	:	:	PUNCT
cblr-2966	100	16	recent	recent	ADJ
cblr-2966	100	17	developments	development	NOUN
cblr-2966	100	18	in	in	ADP
cblr-2966	100	19	u.s	u.s	PROPN
cblr-2966	100	20	.	.	PROPN
cblr-2966	100	21	subprime	subprime	ADJ
cblr-2966	100	22	mortgage	mortgage	NOUN
cblr-2966	100	23	markets	market	NOUN
cblr-2966	100	24	4	4	NUM
cblr-2966	100	25	(	(	PUNCT
cblr-2966	100	26	int'l	int'l	ADP
cblr-2966	100	27	monetary	monetary	ADJ
cblr-2966	100	28	fund	fund	NOUN
cblr-2966	100	29	,	,	PUNCT
cblr-2966	100	30	working	working	NOUN
cblr-2966	100	31	paper	paper	NOUN
cblr-2966	100	32	no	no	INTJ
cblr-2966	100	33	.	.	PUNCT
cblr-2966	101	1	wp07188	wp07188	PROPN
cblr-2966	101	2	,	,	PUNCT
cblr-2966	101	3	2007	2007	NUM
cblr-2966	101	4	)	)	PUNCT
cblr-2966	101	5	;	;	PUNCT
cblr-2966	101	6	chinloy	chinloy	PROPN
cblr-2966	101	7	&	&	CCONJ
cblr-2966	101	8	macdonald	macdonald	PROPN
cblr-2966	101	9	,	,	PUNCT
cblr-2966	101	10	supra	supra	PROPN
cblr-2966	101	11	note	note	NOUN
cblr-2966	101	12	12	12	NUM
cblr-2966	101	13	,	,	PUNCT
cblr-2966	101	14	at	at	ADP
cblr-2966	101	15	163	163	NUM
cblr-2966	101	16	.	.	PUNCT
cblr-2966	101	17	"	"	PUNCT
cblr-2966	102	1	table	table	NOUN
cblr-2966	102	2	1	1	NUM
cblr-2966	102	3	reflects	reflect	VERB
cblr-2966	102	4	census	census	NOUN
cblr-2966	102	5	bureau	bureau	NOUN
cblr-2966	102	6	data	datum	NOUN
cblr-2966	102	7	through	through	ADP
cblr-2966	102	8	the	the	DET
cblr-2966	102	9	third	third	ADJ
cblr-2966	102	10	quarter	quarter	NOUN
cblr-2966	102	11	of	of	ADP
cblr-2966	102	12	2007	2007	NUM
cblr-2966	102	13	.	.	PUNCT
cblr-2966	103	1	19	19	NUM
cblr-2966	103	2	from	from	ADP
cblr-2966	103	3	1983	1983	NUM
cblr-2966	103	4	to	to	ADP
cblr-2966	103	5	1994	1994	NUM
cblr-2966	103	6	,	,	PUNCT
cblr-2966	103	7	subprime	subprime	ADJ
cblr-2966	103	8	lending	lending	NOUN
cblr-2966	103	9	grew	grow	VERB
cblr-2966	103	10	from	from	ADP
cblr-2966	103	11	less	less	ADJ
cblr-2966	103	12	than	than	ADP
cblr-2966	103	13	2	2	NUM
cblr-2966	103	14	%	%	NOUN
cblr-2966	103	15	to	to	ADP
cblr-2966	103	16	about	about	ADP
cblr-2966	103	17	5	5	NUM
cblr-2966	103	18	%	%	NOUN
cblr-2966	103	19	of	of	ADP
cblr-2966	103	20	the	the	DET
cblr-2966	103	21	market	market	NOUN
cblr-2966	103	22	.	.	PUNCT
cblr-2966	104	1	by	by	ADP
cblr-2966	104	2	1996	1996	NUM
cblr-2966	104	3	,	,	PUNCT
cblr-2966	104	4	it	it	PRON
cblr-2966	104	5	was	be	AUX
cblr-2966	104	6	at	at	ADP
cblr-2966	104	7	roughly	roughly	ADV
cblr-2966	104	8	10	10	NUM
cblr-2966	104	9	%	%	NOUN
cblr-2966	104	10	of	of	ADP
cblr-2966	104	11	the	the	DET
cblr-2966	104	12	market	market	NOUN
cblr-2966	104	13	.	.	PUNCT
cblr-2966	105	1	baher	bah	ADJ
cblr-2966	106	1	azmy	azmy	PROPN
cblr-2966	106	2	,	,	PUNCT
cblr-2966	106	3	squaring	square	VERB
cblr-2966	106	4	the	the	DET
cblr-2966	106	5	predatory	predatory	ADJ
cblr-2966	106	6	lending	lending	NOUN
cblr-2966	106	7	circle	circle	NOUN
cblr-2966	106	8	:	:	PUNCT
cblr-2966	106	9	a	a	DET
cblr-2966	106	10	case	case	NOUN
cblr-2966	106	11	for	for	ADP
cblr-2966	106	12	states	state	NOUN
cblr-2966	106	13	as	as	ADP
cblr-2966	106	14	laboratories	laboratory	NOUN
cblr-2966	106	15	of	of	ADP
cblr-2966	106	16	experimentation	experimentation	NOUN
cblr-2966	106	17	,	,	PUNCT
cblr-2966	106	18	57	57	NUM
cblr-2966	106	19	fla	fla	NOUN
cblr-2966	106	20	.	.	PUNCT
cblr-2966	107	1	l.	l.	PROPN
cblr-2966	107	2	rev	rev	PROPN
cblr-2966	107	3	.	.	PROPN
cblr-2966	107	4	295	295	NUM
cblr-2966	107	5	,	,	PUNCT
cblr-2966	107	6	307	307	NUM
cblr-2966	107	7	(	(	PUNCT
cblr-2966	107	8	2005	2005	NUM
cblr-2966	107	9	)	)	PUNCT
cblr-2966	107	10	.	.	PUNCT
cblr-2966	108	1	by	by	ADP
cblr-2966	108	2	2006	2006	NUM
cblr-2966	108	3	,	,	PUNCT
cblr-2966	108	4	it	it	PRON
cblr-2966	108	5	was	be	AUX
cblr-2966	108	6	well	well	ADV
cblr-2966	108	7	over	over	ADP
cblr-2966	108	8	20	20	NUM
cblr-2966	108	9	%	%	NOUN
cblr-2966	108	10	of	of	ADP
cblr-2966	108	11	the	the	DET
cblr-2966	108	12	market	market	NOUN
cblr-2966	108	13	.	.	PUNCT
cblr-2966	109	1	if	if	SCONJ
cblr-2966	109	2	subprime	subprime	ADJ
cblr-2966	109	3	and	and	CCONJ
cblr-2966	109	4	alt	alt	ADJ
cblr-2966	109	5	-	-	PUNCT
cblr-2966	109	6	a	a	DET
cblr-2966	109	7	loans	loan	NOUN
cblr-2966	109	8	are	be	AUX
cblr-2966	109	9	included	include	VERB
cblr-2966	109	10	(	(	PUNCT
cblr-2966	109	11	loans	loan	NOUN
cblr-2966	109	12	not	not	PART
cblr-2966	109	13	technically	technically	ADV
cblr-2966	109	14	subprime	subprime	ADJ
cblr-2966	109	15	,	,	PUNCT
cblr-2966	109	16	but	but	CCONJ
cblr-2966	109	17	with	with	ADP
cblr-2966	109	18	higher	high	ADJ
cblr-2966	109	19	interest	interest	NOUN
cblr-2966	109	20	rates	rate	NOUN
cblr-2966	109	21	than	than	ADP
cblr-2966	109	22	regular	regular	ADJ
cblr-2966	109	23	prime	prime	ADJ
cblr-2966	109	24	loans	loan	NOUN
cblr-2966	109	25	)	)	PUNCT
cblr-2966	109	26	,	,	PUNCT
cblr-2966	109	27	the	the	DET
cblr-2966	109	28	market	market	NOUN
cblr-2966	109	29	-	-	PUNCT
cblr-2966	109	30	share	share	NOUN
cblr-2966	109	31	reaches	reach	VERB
cblr-2966	109	32	almost	almost	ADV
cblr-2966	109	33	46	46	NUM
cblr-2966	109	34	%	%	NOUN
cblr-2966	109	35	.	.	PUNCT
cblr-2966	110	1	see	see	VERB
cblr-2966	110	2	,	,	PUNCT
cblr-2966	110	3	e.g.	e.g.	ADV
cblr-2966	110	4	,	,	PUNCT
cblr-2966	110	5	kiff	kiff	PROPN
cblr-2966	110	6	&	&	CCONJ
cblr-2966	110	7	mills	mills	PROPN
cblr-2966	110	8	,	,	PUNCT
cblr-2966	110	9	supra	supra	PROPN
cblr-2966	110	10	note	note	PROPN
cblr-2966	110	11	17	17	NUM
cblr-2966	110	12	,	,	PUNCT
cblr-2966	110	13	at	at	ADP
cblr-2966	110	14	6	6	NUM
cblr-2966	110	15	;	;	PUNCT
cblr-2966	110	16	paletta	paletta	PROPN
cblr-2966	110	17	&	&	CCONJ
cblr-2966	110	18	hagerty	hagerty	PROPN
cblr-2966	110	19	,	,	PUNCT
cblr-2966	110	20	supra	supra	PROPN
cblr-2966	110	21	note	note	NOUN
cblr-2966	110	22	6	6	NUM
cblr-2966	110	23	.	.	SYM
cblr-2966	110	24	20	20	NUM
cblr-2966	110	25	see	see	VERB
cblr-2966	110	26	jonas	jonas	PROPN
cblr-2966	110	27	d.	d.	PROPN
cblr-2966	110	28	m.	m.	PROPN
cblr-2966	110	29	fisher	fisher	PROPN
cblr-2966	110	30	&	&	CCONJ
cblr-2966	110	31	saad	saad	PROPN
cblr-2966	110	32	quayyum	quayyum	PROPN
cblr-2966	110	33	,	,	PUNCT
cblr-2966	110	34	the	the	DET
cblr-2966	110	35	great	great	ADJ
cblr-2966	110	36	turn	turn	NOUN
cblr-2966	110	37	-	-	PUNCT
cblr-2966	110	38	of	of	ADP
cblr-2966	110	39	-	-	PUNCT
cblr-2966	110	40	thecentury	thecentury	NOUN
cblr-2966	110	41	housing	housing	NOUN
cblr-2966	110	42	boom	boom	NOUN
cblr-2966	110	43	,	,	PUNCT
cblr-2966	110	44	30	30	NUM
cblr-2966	110	45	econ	econ	NOUN
cblr-2966	110	46	.	.	PUNCT
cblr-2966	111	1	persp	persp	PROPN
cblr-2966	111	2	.	.	PUNCT
cblr-2966	112	1	29	29	NUM
cblr-2966	112	2	,	,	PUNCT
cblr-2966	112	3	40	40	NUM
cblr-2966	112	4	-	-	SYM
cblr-2966	112	5	41	41	NUM
cblr-2966	112	6	(	(	PUNCT
cblr-2966	112	7	2006	2006	NUM
cblr-2966	112	8	)	)	PUNCT
cblr-2966	112	9	,	,	PUNCT
cblr-2966	112	10	available	available	ADJ
cblr-2966	112	11	at	at	ADP
cblr-2966	112	12	http://www.chicagofed.org/publications/economicperspectives/ep-3qtr2006part3_fisher-quayyum.pdf	http://www.chicagofed.org/publications/economicperspectives/ep-3qtr2006part3_fisher-quayyum.pdf	PROPN
cblr-2966	112	13	.	.	PROPN
cblr-2966	113	1	21	21	NUM
cblr-2966	113	2	this	this	DET
cblr-2966	113	3	real	real	ADJ
cblr-2966	113	4	-	-	PUNCT
cblr-2966	113	5	world	world	NOUN
cblr-2966	113	6	result	result	NOUN
cblr-2966	113	7	is	be	AUX
cblr-2966	113	8	backed	back	VERB
cblr-2966	113	9	by	by	ADP
cblr-2966	113	10	studies	study	NOUN
cblr-2966	113	11	demonstrating	demonstrate	VERB
cblr-2966	113	12	that	that	SCONJ
cblr-2966	113	13	liquidity	liquidity	NOUN
cblr-2966	113	14	is	be	AUX
cblr-2966	113	15	quite	quite	ADV
cblr-2966	113	16	important	important	ADJ
cblr-2966	113	17	.	.	PUNCT
cblr-2966	114	1	one	one	NUM
cblr-2966	114	2	such	such	ADJ
cblr-2966	114	3	study	study	NOUN
cblr-2966	114	4	demonstrated	demonstrate	VERB
cblr-2966	114	5	that	that	SCONJ
cblr-2966	114	6	usury	usury	NOUN
cblr-2966	114	7	lending	lending	NOUN
cblr-2966	114	8	,	,	PUNCT
cblr-2966	114	9	lending	lend	VERB
cblr-2966	114	10	to	to	ADP
cblr-2966	114	11	the	the	DET
cblr-2966	114	12	poor	poor	ADJ
cblr-2966	114	13	at	at	ADP
cblr-2966	114	14	very	very	ADV
cblr-2966	114	15	high	high	ADJ
cblr-2966	114	16	rates	rate	NOUN
cblr-2966	114	17	,	,	PUNCT
cblr-2966	114	18	was	be	AUX
cblr-2966	114	19	actually	actually	ADV
cblr-2966	114	20	welfare	welfare	NOUN
cblr-2966	114	21	enhancing	enhance	VERB
cblr-2966	114	22	in	in	ADP
cblr-2966	114	23	africa	africa	PROPN
cblr-2966	114	24	.	.	PUNCT
cblr-2966	115	1	families	family	NOUN
cblr-2966	115	2	to	to	PART
cblr-2966	115	3	whom	whom	PRON
cblr-2966	115	4	short	short	ADJ
cblr-2966	115	5	-	-	PUNCT
cblr-2966	115	6	term	term	NOUN
cblr-2966	115	7	loans	loan	NOUN
cblr-2966	115	8	were	be	AUX
cblr-2966	115	9	extended	extend	VERB
cblr-2966	115	10	were	be	AUX
cblr-2966	115	11	more	more	ADV
cblr-2966	115	12	likely	likely	ADJ
cblr-2966	115	13	to	to	PART
cblr-2966	115	14	keep	keep	VERB
cblr-2966	115	15	jobs	job	NOUN
cblr-2966	115	16	,	,	PUNCT
cblr-2966	115	17	eat	eat	VERB
cblr-2966	115	18	adequately	adequately	ADV
cblr-2966	115	19	,	,	PUNCT
cblr-2966	115	20	and	and	CCONJ
cblr-2966	115	21	maintain	maintain	VERB
cblr-2966	115	22	shelter	shelter	NOUN
cblr-2966	115	23	than	than	SCONJ
cblr-2966	115	24	were	be	AUX
cblr-2966	115	25	those	those	PRON
cblr-2966	115	26	denied	deny	VERB
cblr-2966	115	27	the	the	DET
cblr-2966	115	28	same	same	ADJ
cblr-2966	115	29	loans	loan	NOUN
cblr-2966	115	30	,	,	PUNCT
cblr-2966	115	31	even	even	ADV
cblr-2966	115	32	with	with	ADP
cblr-2966	115	33	annual	annual	ADJ
cblr-2966	115	34	percentage	percentage	NOUN
cblr-2966	115	35	rates	rate	NOUN
cblr-2966	115	36	(	(	PUNCT
cblr-2966	115	37	aprs	aprs	NOUN
cblr-2966	115	38	)	)	PUNCT
cblr-2966	115	39	exceeding	exceed	VERB
cblr-2966	115	40	200	200	NUM
cblr-2966	115	41	%	%	NOUN
cblr-2966	115	42	.	.	PUNCT
cblr-2966	116	1	see	see	VERB
cblr-2966	116	2	in	in	ADP
cblr-2966	116	3	praise	praise	NOUN
cblr-2966	116	4	of	of	ADP
cblr-2966	116	5	usury	usury	NOUN
cblr-2966	116	6	;	;	PUNCT
cblr-2966	116	7	economics	economic	NOUN
cblr-2966	116	8	focus	focus	NOUN
cblr-2966	116	9	,	,	PUNCT
cblr-2966	116	10	economist	economist	NOUN
cblr-2966	116	11	,	,	PUNCT
cblr-2966	116	12	aug	aug	PROPN
cblr-2966	116	13	.	.	PROPN
cblr-2966	116	14	4	4	NUM
cblr-2966	116	15	,	,	PUNCT
cblr-2966	116	16	2007	2007	NUM
cblr-2966	116	17	,	,	PUNCT
cblr-2966	116	18	at	at	ADP
cblr-2966	116	19	66	66	NUM
cblr-2966	116	20	.	.	PUNCT
cblr-2966	117	1	no	no	INTJ
cblr-2966	117	2	.	.	PUNCT
cblr-2966	118	1	3:1021	3:1021	NUM
cblr-2966	118	2	]	]	X
cblr-2966	118	3	consumers	consumer	NOUN
cblr-2966	118	4	avoid	avoid	VERB
cblr-2966	118	5	many	many	ADJ
cblr-2966	118	6	more	more	ADV
cblr-2966	118	7	costly	costly	ADJ
cblr-2966	118	8	regimes	regime	NOUN
cblr-2966	118	9	-	-	PUNCT
cblr-2966	118	10	like	like	ADJ
cblr-2966	118	11	credit	credit	NOUN
cblr-2966	118	12	cards	card	NOUN
cblr-2966	118	13	,	,	PUNCT
cblr-2966	118	14	check	check	VERB
cblr-2966	118	15	cashing	cashing	NOUN
cblr-2966	118	16	,	,	PUNCT
cblr-2966	118	17	and	and	CCONJ
cblr-2966	118	18	cash	cash	NOUN
cblr-2966	118	19	leases.22	leases.22	NOUN
cblr-2966	118	20	while	while	SCONJ
cblr-2966	118	21	most	most	ADJ
cblr-2966	118	22	researchers	researcher	NOUN
cblr-2966	118	23	agree	agree	VERB
cblr-2966	118	24	some	some	DET
cblr-2966	118	25	subprime	subprime	ADJ
cblr-2966	118	26	lending	lending	NOUN
cblr-2966	118	27	is	be	AUX
cblr-2966	118	28	a	a	DET
cblr-2966	118	29	net	net	ADJ
cblr-2966	118	30	positive	positive	NOUN
cblr-2966	118	31	,	,	PUNCT
cblr-2966	118	32	the	the	DET
cblr-2966	118	33	point	point	NOUN
cblr-2966	118	34	at	at	ADP
cblr-2966	118	35	which	which	PRON
cblr-2966	118	36	it	it	PRON
cblr-2966	118	37	becomes	become	VERB
cblr-2966	118	38	a	a	DET
cblr-2966	118	39	net	net	ADJ
cblr-2966	118	40	-	-	PUNCT
cblr-2966	118	41	negative	negative	ADJ
cblr-2966	118	42	is	be	AUX
cblr-2966	118	43	a	a	DET
cblr-2966	118	44	hotly	hotly	ADV
cblr-2966	118	45	contested	contest	VERB
cblr-2966	118	46	and	and	CCONJ
cblr-2966	118	47	case	case	NOUN
cblr-2966	118	48	-	-	PUNCT
cblr-2966	118	49	by	by	ADP
cblr-2966	118	50	-	-	PUNCT
cblr-2966	118	51	case	case	NOUN
cblr-2966	118	52	inquiry.23	inquiry.23	ADP
cblr-2966	118	53	predatory	predatory	ADJ
cblr-2966	118	54	lending	lending	NOUN
cblr-2966	118	55	presents	present	VERB
cblr-2966	118	56	the	the	DET
cblr-2966	118	57	dark	dark	ADJ
cblr-2966	118	58	side	side	NOUN
cblr-2966	118	59	of	of	ADP
cblr-2966	118	60	the	the	DET
cblr-2966	118	61	subprime	subprime	ADJ
cblr-2966	118	62	market	market	NOUN
cblr-2966	118	63	.	.	PUNCT
cblr-2966	119	1	while	while	SCONJ
cblr-2966	119	2	difficult	difficult	ADJ
cblr-2966	119	3	to	to	PART
cblr-2966	119	4	define	define	VERB
cblr-2966	119	5	,	,	PUNCT
cblr-2966	119	6	one	one	NUM
cblr-2966	119	7	accepted	accept	VERB
cblr-2966	119	8	definition	definition	NOUN
cblr-2966	119	9	is	be	AUX
cblr-2966	119	10	any	any	DET
cblr-2966	119	11	loan	loan	NOUN
cblr-2966	119	12	that	that	PRON
cblr-2966	119	13	results	result	VERB
cblr-2966	119	14	in	in	ADP
cblr-2966	119	15	net	net	ADJ
cblr-2966	119	16	harm	harm	NOUN
cblr-2966	119	17	to	to	ADP
cblr-2966	119	18	the	the	DET
cblr-2966	119	19	borrower.24	borrower.24	NOUN
cblr-2966	119	20	some	some	DET
cblr-2966	119	21	specific	specific	ADJ
cblr-2966	119	22	practices	practice	NOUN
cblr-2966	119	23	include	include	VERB
cblr-2966	119	24	asset	asset	NOUN
cblr-2966	119	25	-	-	PUNCT
cblr-2966	119	26	based	base	VERB
cblr-2966	119	27	lending	lending	NOUN
cblr-2966	119	28	,	,	PUNCT
cblr-2966	119	29	rent	rent	NOUN
cblr-2966	119	30	seeking	seeking	NOUN
cblr-2966	119	31	,	,	PUNCT
cblr-2966	119	32	fraud	fraud	NOUN
cblr-2966	119	33	,	,	PUNCT
cblr-2966	119	34	non	non	ADJ
cblr-2966	119	35	-	-	NOUN
cblr-2966	119	36	transparency	transparency	NOUN
cblr-2966	119	37	,	,	PUNCT
cblr-2966	119	38	loans	loan	NOUN
cblr-2966	119	39	requiring	require	VERB
cblr-2966	119	40	the	the	DET
cblr-2966	119	41	waiver	waiver	NOUN
cblr-2966	119	42	of	of	ADP
cblr-2966	119	43	legal	legal	ADJ
cblr-2966	119	44	redress	redress	NOUN
cblr-2966	119	45	,	,	PUNCT
cblr-2966	119	46	lending	lending	NOUN
cblr-2966	119	47	discrimination	discrimination	NOUN
cblr-2966	119	48	,	,	PUNCT
cblr-2966	119	49	and	and	CCONJ
cblr-2966	119	50	servicing	servicing	NOUN
cblr-2966	119	51	abuses	abuse	NOUN
cblr-2966	119	52	.	.	PUNCT
cblr-2966	119	53	"	"	PUNCT
cblr-2966	120	1	a	a	DET
cblr-2966	120	2	look	look	NOUN
cblr-2966	120	3	at	at	ADP
cblr-2966	120	4	state	state	NOUN
cblr-2966	120	5	lending	lending	NOUN
cblr-2966	120	6	laws	law	NOUN
cblr-2966	120	7	suggests	suggest	VERB
cblr-2966	120	8	that	that	SCONJ
cblr-2966	120	9	other	other	ADJ
cblr-2966	120	10	practices	practice	NOUN
cblr-2966	120	11	like	like	ADP
cblr-2966	120	12	balloon	balloon	NOUN
cblr-2966	120	13	payments	payment	NOUN
cblr-2966	120	14	,	,	PUNCT
cblr-2966	120	15	negative	negative	ADJ
cblr-2966	120	16	amortization	amortization	NOUN
cblr-2966	120	17	,	,	PUNCT
cblr-2966	120	18	prepayment	prepayment	NOUN
cblr-2966	120	19	penalties	penalty	NOUN
cblr-2966	120	20	,	,	PUNCT
cblr-2966	120	21	and	and	CCONJ
cblr-2966	120	22	asset	asset	NOUN
cblr-2966	120	23	-	-	PUNCT
cblr-2966	120	24	based	base	VERB
cblr-2966	120	25	lending	lending	NOUN
cblr-2966	120	26	are	be	AUX
cblr-2966	120	27	all	all	PRON
cblr-2966	120	28	predatory.26	predatory.26	ADJ
cblr-2966	120	29	22	22	NUM
cblr-2966	120	30	see	see	VERB
cblr-2966	120	31	generally	generally	ADV
cblr-2966	120	32	silverman	silverman	NOUN
cblr-2966	120	33	,	,	PUNCT
cblr-2966	120	34	supra	supra	PROPN
cblr-2966	120	35	note	note	PROPN
cblr-2966	120	36	13	13	NUM
cblr-2966	120	37	,	,	PUNCT
cblr-2966	120	38	at	at	ADP
cblr-2966	120	39	483	483	NUM
cblr-2966	120	40	-	-	SYM
cblr-2966	120	41	91	91	NUM
cblr-2966	120	42	(	(	PUNCT
cblr-2966	120	43	describing	describe	VERB
cblr-2966	120	44	some	some	PRON
cblr-2966	120	45	of	of	ADP
cblr-2966	120	46	the	the	DET
cblr-2966	120	47	egregious	egregious	ADJ
cblr-2966	120	48	practices	practice	NOUN
cblr-2966	120	49	in	in	ADP
cblr-2966	120	50	a	a	DET
cblr-2966	120	51	variety	variety	NOUN
cblr-2966	120	52	of	of	ADP
cblr-2966	120	53	other	other	ADJ
cblr-2966	120	54	alternative	alternative	ADJ
cblr-2966	120	55	credit	credit	NOUN
cblr-2966	120	56	regimes	regime	NOUN
cblr-2966	120	57	)	)	PUNCT
cblr-2966	120	58	.	.	PUNCT
cblr-2966	121	1	these	these	PRON
cblr-2966	121	2	include	include	VERB
cblr-2966	121	3	aprs	aprs	NOUN
cblr-2966	121	4	on	on	ADP
cblr-2966	121	5	payday	payday	NOUN
cblr-2966	121	6	loans	loan	NOUN
cblr-2966	121	7	of	of	ADP
cblr-2966	121	8	over	over	ADP
cblr-2966	121	9	365	365	NUM
cblr-2966	121	10	%	%	NOUN
cblr-2966	121	11	and	and	CCONJ
cblr-2966	121	12	cash	cash	NOUN
cblr-2966	121	13	leasing	leasing	NOUN
cblr-2966	121	14	services	service	NOUN
cblr-2966	121	15	(	(	PUNCT
cblr-2966	121	16	short	short	ADJ
cblr-2966	121	17	-	-	PUNCT
cblr-2966	121	18	term	term	NOUN
cblr-2966	121	19	loans	loan	NOUN
cblr-2966	121	20	for	for	ADP
cblr-2966	121	21	small	small	ADJ
cblr-2966	121	22	amounts	amount	NOUN
cblr-2966	121	23	of	of	ADP
cblr-2966	121	24	money	money	NOUN
cblr-2966	121	25	with	with	ADP
cblr-2966	121	26	proof	proof	NOUN
cblr-2966	121	27	of	of	ADP
cblr-2966	121	28	ownership	ownership	NOUN
cblr-2966	121	29	of	of	ADP
cblr-2966	121	30	electronic	electronic	ADJ
cblr-2966	121	31	devices	device	NOUN
cblr-2966	121	32	)	)	PUNCT
cblr-2966	121	33	with	with	ADP
cblr-2966	121	34	aprs	aprs	NOUN
cblr-2966	121	35	exceeding	exceed	VERB
cblr-2966	121	36	730	730	NUM
cblr-2966	121	37	%	%	NOUN
cblr-2966	121	38	.	.	PUNCT
cblr-2966	122	1	credit	credit	NOUN
cblr-2966	122	2	cards	card	NOUN
cblr-2966	122	3	,	,	PUNCT
cblr-2966	122	4	a	a	DET
cblr-2966	122	5	more	more	ADV
cblr-2966	122	6	mainstream	mainstream	ADJ
cblr-2966	122	7	alternative	alternative	ADJ
cblr-2966	122	8	source	source	NOUN
cblr-2966	122	9	of	of	ADP
cblr-2966	122	10	credit	credit	NOUN
cblr-2966	122	11	,	,	PUNCT
cblr-2966	122	12	have	have	VERB
cblr-2966	122	13	an	an	DET
cblr-2966	122	14	average	average	ADJ
cblr-2966	122	15	apr	apr	NOUN
cblr-2966	122	16	of	of	ADP
cblr-2966	122	17	almost	almost	ADV
cblr-2966	122	18	15	15	NUM
cblr-2966	122	19	%	%	NOUN
cblr-2966	122	20	.	.	PUNCT
cblr-2966	123	1	see	see	VERB
cblr-2966	123	2	consumer-action.org	consumer-action.org	ADP
cblr-2966	123	3	,	,	PUNCT
cblr-2966	123	4	2007	2007	NUM
cblr-2966	123	5	credit	credit	NOUN
cblr-2966	123	6	card	card	NOUN
cblr-2966	123	7	survey	survey	NOUN
cblr-2966	123	8	,	,	PUNCT
cblr-2966	123	9	http://	http://	PROPN
cblr-2966	123	10	www.consumer-action.org/news/articles/2007	www.consumer-action.org/news/articles/2007	NOUN
cblr-2966	123	11	credit	credit	NOUN
cblr-2966	123	12	-	-	PUNCT
cblr-2966	123	13	cardsurvey	cardsurvey	NOUN
cblr-2966	123	14	.	.	PUNCT
cblr-2966	124	1	credit	credit	NOUN
cblr-2966	124	2	cards	card	NOUN
cblr-2966	124	3	with	with	ADP
cblr-2966	124	4	the	the	DET
cblr-2966	124	5	lowest	low	ADJ
cblr-2966	124	6	aprs	aprs	NOUN
cblr-2966	124	7	are	be	AUX
cblr-2966	124	8	unavailable	unavailable	ADJ
cblr-2966	124	9	to	to	ADP
cblr-2966	124	10	subprime	subprime	ADJ
cblr-2966	124	11	borrowers	borrower	NOUN
cblr-2966	124	12	,	,	PUNCT
cblr-2966	124	13	suggesting	suggest	VERB
cblr-2966	124	14	the	the	DET
cblr-2966	124	15	average	average	ADJ
cblr-2966	124	16	rate	rate	NOUN
cblr-2966	124	17	for	for	ADP
cblr-2966	124	18	them	they	PRON
cblr-2966	124	19	is	be	AUX
cblr-2966	124	20	much	much	ADV
cblr-2966	124	21	higher	high	ADJ
cblr-2966	124	22	.	.	PUNCT
cblr-2966	125	1	23	23	NUM
cblr-2966	125	2	see	see	VERB
cblr-2966	125	3	daniel	daniel	PROPN
cblr-2966	125	4	s.	s.	PROPN
cblr-2966	125	5	ehrenberg	ehrenberg	PROPN
cblr-2966	125	6	,	,	PUNCT
cblr-2966	125	7	if	if	SCONJ
cblr-2966	125	8	the	the	DET
cblr-2966	125	9	loan	loan	NOUN
cblr-2966	125	10	does	do	AUX
cblr-2966	125	11	n't	not	PART
cblr-2966	125	12	fit	fit	VERB
cblr-2966	125	13	,	,	PUNCT
cblr-2966	125	14	do	do	AUX
cblr-2966	125	15	n't	not	PART
cblr-2966	125	16	take	take	VERB
cblr-2966	125	17	it	it	PRON
cblr-2966	125	18	:	:	PUNCT
cblr-2966	125	19	applying	apply	VERB
cblr-2966	125	20	the	the	DET
cblr-2966	125	21	suitability	suitability	NOUN
cblr-2966	125	22	doctrine	doctrine	NOUN
cblr-2966	125	23	to	to	ADP
cblr-2966	125	24	the	the	DET
cblr-2966	125	25	mortgage	mortgage	NOUN
cblr-2966	125	26	industry	industry	NOUN
cblr-2966	125	27	to	to	PART
cblr-2966	125	28	eliminate	eliminate	VERB
cblr-2966	125	29	predatory	predatory	ADJ
cblr-2966	125	30	lending	lending	NOUN
cblr-2966	125	31	,	,	PUNCT
cblr-2966	125	32	10	10	NUM
cblr-2966	125	33	j.	j.	PROPN
cblr-2966	125	34	affordable	affordable	PROPN
cblr-2966	125	35	housing	housing	PROPN
cblr-2966	125	36	&	&	CCONJ
cblr-2966	125	37	community	community	PROPN
cblr-2966	125	38	dev	dev	PROPN
cblr-2966	125	39	.	.	PROPN
cblr-2966	126	1	117	117	NUM
cblr-2966	126	2	,	,	PUNCT
cblr-2966	126	3	119	119	NUM
cblr-2966	126	4	(	(	PUNCT
cblr-2966	126	5	2001	2001	NUM
cblr-2966	126	6	)	)	PUNCT
cblr-2966	126	7	(	(	PUNCT
cblr-2966	126	8	suggesting	suggest	VERB
cblr-2966	126	9	it	it	PRON
cblr-2966	126	10	is	be	AUX
cblr-2966	126	11	difficult	difficult	ADJ
cblr-2966	126	12	to	to	PART
cblr-2966	126	13	determine	determine	VERB
cblr-2966	126	14	,	,	PUNCT
cblr-2966	126	15	even	even	ADV
cblr-2966	126	16	looking	look	VERB
cblr-2966	126	17	solely	solely	ADV
cblr-2966	126	18	at	at	ADP
cblr-2966	126	19	interest	interest	NOUN
cblr-2966	126	20	rates	rate	NOUN
cblr-2966	126	21	,	,	PUNCT
cblr-2966	126	22	at	at	ADP
cblr-2966	126	23	what	what	DET
cblr-2966	126	24	level	level	NOUN
cblr-2966	126	25	a	a	DET
cblr-2966	126	26	subprime	subprime	ADJ
cblr-2966	126	27	loan	loan	NOUN
cblr-2966	126	28	becomes	become	VERB
cblr-2966	126	29	ruinous	ruinous	ADJ
cblr-2966	126	30	rather	rather	ADV
cblr-2966	126	31	than	than	ADP
cblr-2966	126	32	beneficial	beneficial	ADJ
cblr-2966	126	33	)	)	PUNCT
cblr-2966	126	34	;	;	PUNCT
cblr-2966	126	35	see	see	VERB
cblr-2966	126	36	also	also	ADV
cblr-2966	126	37	michael	michael	PROPN
cblr-2966	126	38	j.	j.	PROPN
cblr-2966	126	39	pyle	pyle	PROPN
cblr-2966	126	40	,	,	PUNCT
cblr-2966	126	41	a	a	DET
cblr-2966	126	42	"	"	PUNCT
cblr-2966	126	43	flip	flip	NOUN
cblr-2966	126	44	"	"	PUNCT
cblr-2966	126	45	look	look	NOUN
cblr-2966	126	46	at	at	ADP
cblr-2966	126	47	predatory	predatory	ADJ
cblr-2966	126	48	lending	lending	NOUN
cblr-2966	126	49	:	:	PUNCT
cblr-2966	126	50	will	will	AUX
cblr-2966	126	51	the	the	DET
cblr-2966	126	52	fed	fed	PROPN
cblr-2966	126	53	's	's	PART
cblr-2966	126	54	revised	revise	VERB
cblr-2966	126	55	regulation	regulation	NOUN
cblr-2966	126	56	z	z	NOUN
cblr-2966	126	57	end	end	VERB
cblr-2966	126	58	abusive	abusive	ADJ
cblr-2966	126	59	refinancing	refinancing	NOUN
cblr-2966	126	60	practices	practice	NOUN
cblr-2966	126	61	?	?	PUNCT
cblr-2966	126	62	,	,	PUNCT
cblr-2966	126	63	112	112	NUM
cblr-2966	126	64	yale	yale	PROPN
cblr-2966	126	65	l.j	l.j	PROPN
cblr-2966	126	66	.	.	PROPN
cblr-2966	126	67	1919	1919	NUM
cblr-2966	126	68	,	,	PUNCT
cblr-2966	126	69	1925	1925	NUM
cblr-2966	126	70	(	(	PUNCT
cblr-2966	126	71	2003	2003	NUM
cblr-2966	126	72	)	)	PUNCT
cblr-2966	126	73	.	.	PUNCT
cblr-2966	127	1	21	21	NUM
cblr-2966	128	1	some	some	PRON
cblr-2966	128	2	argue	argue	VERB
cblr-2966	128	3	that	that	SCONJ
cblr-2966	128	4	the	the	DET
cblr-2966	128	5	entire	entire	ADJ
cblr-2966	128	6	subprime	subprime	ADJ
cblr-2966	128	7	market	market	NOUN
cblr-2966	128	8	is	be	AUX
cblr-2966	128	9	predatory	predatory	ADJ
cblr-2966	128	10	.	.	PUNCT
cblr-2966	129	1	for	for	ADP
cblr-2966	129	2	example	example	NOUN
cblr-2966	129	3	,	,	PUNCT
cblr-2966	129	4	one	one	NUM
cblr-2966	129	5	author	author	NOUN
cblr-2966	129	6	argues	argue	VERB
cblr-2966	129	7	that	that	SCONJ
cblr-2966	129	8	all	all	DET
cblr-2966	129	9	subprime	subprime	ADJ
cblr-2966	129	10	lenders	lender	NOUN
cblr-2966	129	11	charge	charge	VERB
cblr-2966	129	12	interest	interest	NOUN
cblr-2966	129	13	rates	rate	NOUN
cblr-2966	129	14	that	that	PRON
cblr-2966	129	15	are	be	AUX
cblr-2966	129	16	unrelated	unrelated	ADJ
cblr-2966	129	17	to	to	PART
cblr-2966	129	18	risk	risk	VERB
cblr-2966	129	19	.	.	PUNCT
cblr-2966	130	1	see	see	VERB
cblr-2966	130	2	renuart	renuart	NOUN
cblr-2966	130	3	,	,	PUNCT
cblr-2966	130	4	supra	supra	PROPN
cblr-2966	130	5	note	note	NOUN
cblr-2966	130	6	15	15	NUM
cblr-2966	130	7	,	,	PUNCT
cblr-2966	130	8	at	at	ADP
cblr-2966	130	9	428	428	NUM
cblr-2966	130	10	-	-	SYM
cblr-2966	130	11	30	30	NUM
cblr-2966	130	12	.	.	PUNCT
cblr-2966	130	13	21	21	NUM
cblr-2966	130	14	see	see	VERB
cblr-2966	130	15	kathleen	kathleen	PROPN
cblr-2966	130	16	c.	c.	PROPN
cblr-2966	130	17	engel	engel	PROPN
cblr-2966	130	18	&	&	CCONJ
cblr-2966	130	19	patricia	patricia	PROPN
cblr-2966	130	20	a.	a.	PROPN
cblr-2966	130	21	mccoy	mccoy	PROPN
cblr-2966	130	22	,	,	PUNCT
cblr-2966	130	23	turning	turn	VERB
cblr-2966	130	24	a	a	DET
cblr-2966	130	25	blind	blind	ADJ
cblr-2966	130	26	eye	eye	NOUN
cblr-2966	130	27	:	:	PUNCT
cblr-2966	130	28	wall	wall	PROPN
cblr-2966	130	29	street	street	PROPN
cblr-2966	130	30	finance	finance	PROPN
cblr-2966	130	31	of	of	ADP
cblr-2966	130	32	predatory	predatory	ADJ
cblr-2966	130	33	lending	lending	NOUN
cblr-2966	130	34	,	,	PUNCT
cblr-2966	130	35	75	75	NUM
cblr-2966	130	36	fordham	fordham	PROPN
cblr-2966	130	37	l.	l.	PROPN
cblr-2966	130	38	rev	rev	PROPN
cblr-2966	130	39	.	.	PROPN
cblr-2966	130	40	2039	2039	NUM
cblr-2966	130	41	(	(	PUNCT
cblr-2966	130	42	2007	2007	NUM
cblr-2966	130	43	)	)	PUNCT
cblr-2966	130	44	.	.	PUNCT
cblr-2966	131	1	26	26	NUM
cblr-2966	131	2	california	california	PROPN
cblr-2966	131	3	specifically	specifically	ADV
cblr-2966	131	4	outlawed	outlaw	VERB
cblr-2966	131	5	:	:	PUNCT
cblr-2966	131	6	prepayment	prepayment	NOUN
cblr-2966	131	7	fees	fee	NOUN
cblr-2966	131	8	after	after	ADP
cblr-2966	131	9	thirty	thirty	NUM
cblr-2966	131	10	-	-	PUNCT
cblr-2966	131	11	six	six	NUM
cblr-2966	131	12	months	month	NOUN
cblr-2966	131	13	,	,	PUNCT
cblr-2966	131	14	negative	negative	ADJ
cblr-2966	131	15	amortization	amortization	NOUN
cblr-2966	131	16	(	(	PUNCT
cblr-2966	131	17	monthly	monthly	ADJ
cblr-2966	131	18	payments	payment	NOUN
cblr-2966	131	19	lower	low	ADJ
cblr-2966	131	20	than	than	ADP
cblr-2966	131	21	interest	interest	NOUN
cblr-2966	131	22	)	)	PUNCT
cblr-2966	131	23	,	,	PUNCT
cblr-2966	131	24	the	the	DET
cblr-2966	131	25	increase	increase	NOUN
cblr-2966	131	26	of	of	ADP
cblr-2966	131	27	interest	interest	NOUN
cblr-2966	131	28	rate	rate	NOUN
cblr-2966	131	29	following	follow	VERB
cblr-2966	131	30	default	default	NOUN
cblr-2966	131	31	(	(	PUNCT
cblr-2966	131	32	late	late	ADJ
cblr-2966	131	33	payment	payment	NOUN
cblr-2966	131	34	)	)	PUNCT
cblr-2966	131	35	,	,	PUNCT
cblr-2966	131	36	having	have	VERB
cblr-2966	131	37	no	no	DET
cblr-2966	131	38	reasonable	reasonable	ADJ
cblr-2966	131	39	belief	belief	NOUN
cblr-2966	131	40	that	that	SCONJ
cblr-2966	131	41	borrower	borrower	NOUN
cblr-2966	131	42	can	can	AUX
cblr-2966	131	43	pay	pay	VERB
cblr-2966	131	44	loan	loan	NOUN
cblr-2966	131	45	(	(	PUNCT
cblr-2966	131	46	no	no	DET
cblr-2966	131	47	asset	asset	NOUN
cblr-2966	131	48	-	-	PUNCT
cblr-2966	131	49	based	base	VERB
cblr-2966	131	50	lendingcol	lendingcol	NOUN
cblr-2966	131	51	umbia	umbia	PROPN
cblr-2966	131	52	business	business	PROPN
cblr-2966	131	53	la	la	PROPN
cblr-2966	131	54	w	w	PROPN
cblr-2966	131	55	re	re	PROPN
cblr-2966	131	56	vie	vie	PROPN
cblr-2966	131	57	w	w	PROPN
cblr-2966	132	1	[	[	X
cblr-2966	132	2	vol	vol	NOUN
cblr-2966	132	3	.	.	NOUN
cblr-2966	132	4	2008	2008	NUM
cblr-2966	132	5	rethinking	rethink	VERB
cblr-2966	132	6	assignee	assignee	NOUN
cblr-2966	132	7	liability	liability	NOUN
cblr-2966	132	8	predatory	predatory	NOUN
cblr-2966	132	9	lending	lending	NOUN
cblr-2966	132	10	also	also	ADV
cblr-2966	132	11	often	often	ADV
cblr-2966	132	12	encompasses	encompass	VERB
cblr-2966	132	13	"	"	PUNCT
cblr-2966	132	14	steering	steering	NOUN
cblr-2966	132	15	,	,	PUNCT
cblr-2966	132	16	"	"	PUNCT
cblr-2966	132	17	or	or	CCONJ
cblr-2966	132	18	pushing	push	VERB
cblr-2966	132	19	people	people	NOUN
cblr-2966	132	20	toward	toward	ADP
cblr-2966	132	21	subprime	subprime	ADJ
cblr-2966	132	22	loans	loan	NOUN
cblr-2966	132	23	when	when	SCONJ
cblr-2966	132	24	they	they	PRON
cblr-2966	132	25	could	could	AUX
cblr-2966	132	26	qualify	qualify	VERB
cblr-2966	132	27	for	for	ADP
cblr-2966	132	28	prime	prime	ADJ
cblr-2966	132	29	loans.27	loans.27	PROPN
cblr-2966	132	30	predatory	predatory	ADJ
cblr-2966	132	31	loans	loan	NOUN
cblr-2966	132	32	entail	entail	VERB
cblr-2966	132	33	significant	significant	ADJ
cblr-2966	132	34	costs	cost	NOUN
cblr-2966	132	35	.	.	PUNCT
cblr-2966	133	1	studies	study	NOUN
cblr-2966	133	2	suggest	suggest	VERB
cblr-2966	133	3	that	that	SCONJ
cblr-2966	133	4	prepayment	prepayment	NOUN
cblr-2966	133	5	penalties	penalty	NOUN
cblr-2966	133	6	or	or	CCONJ
cblr-2966	133	7	balloon	balloon	NOUN
cblr-2966	133	8	payments	payment	NOUN
cblr-2966	133	9	boost	boost	VERB
cblr-2966	133	10	the	the	DET
cblr-2966	133	11	risk	risk	NOUN
cblr-2966	133	12	of	of	ADP
cblr-2966	133	13	foreclosure	foreclosure	NOUN
cblr-2966	133	14	by	by	ADP
cblr-2966	133	15	up	up	ADP
cblr-2966	133	16	to	to	ADP
cblr-2966	133	17	50%.28	50%.28	NUM
cblr-2966	133	18	in	in	ADP
cblr-2966	133	19	turn	turn	NOUN
cblr-2966	133	20	,	,	PUNCT
cblr-2966	133	21	foreclosures	foreclosure	NOUN
cblr-2966	133	22	impose	impose	VERB
cblr-2966	133	23	negative	negative	ADJ
cblr-2966	133	24	externalities	externality	NOUN
cblr-2966	133	25	.	.	PUNCT
cblr-2966	134	1	aside	aside	ADV
cblr-2966	134	2	from	from	ADP
cblr-2966	134	3	increasing	increase	VERB
cblr-2966	134	4	homelessness	homelessness	NOUN
cblr-2966	134	5	,	,	PUNCT
cblr-2966	134	6	foreclosures	foreclosure	NOUN
cblr-2966	134	7	lead	lead	VERB
cblr-2966	134	8	to	to	ADP
cblr-2966	134	9	abandoned	abandon	VERB
cblr-2966	134	10	houses	house	NOUN
cblr-2966	134	11	.	.	PUNCT
cblr-2966	135	1	abandonment	abandonment	NOUN
cblr-2966	135	2	creates	create	VERB
cblr-2966	135	3	both	both	CCONJ
cblr-2966	135	4	direct	direct	ADJ
cblr-2966	135	5	civic	civic	ADJ
cblr-2966	135	6	costs	cost	NOUN
cblr-2966	135	7	and	and	CCONJ
cblr-2966	135	8	indirect	indirect	ADJ
cblr-2966	135	9	neighborhood	neighborhood	NOUN
cblr-2966	135	10	cohesion	cohesion	NOUN
cblr-2966	135	11	costs.29	costs.29	NOUN
cblr-2966	135	12	moreover	moreover	ADV
cblr-2966	135	13	,	,	PUNCT
cblr-2966	135	14	lenders	lender	NOUN
cblr-2966	135	15	lose	lose	VERB
cblr-2966	135	16	roughly	roughly	ADV
cblr-2966	135	17	$	$	SYM
cblr-2966	135	18	35,000	35,000	NUM
cblr-2966	135	19	on	on	ADP
cblr-2966	135	20	the	the	DET
cblr-2966	135	21	average	average	ADJ
cblr-2966	135	22	foreclosure	foreclosure	NOUN
cblr-2966	135	23	,	,	PUNCT
cblr-2966	135	24	a	a	DET
cblr-2966	135	25	number	number	NOUN
cblr-2966	135	26	likely	likely	ADJ
cblr-2966	135	27	to	to	PART
cblr-2966	135	28	increase	increase	VERB
cblr-2966	135	29	as	as	SCONJ
cblr-2966	135	30	more	more	ADJ
cblr-2966	135	31	homes	home	NOUN
cblr-2966	135	32	fall	fall	VERB
cblr-2966	135	33	into	into	ADP
cblr-2966	135	34	receivership	receivership	NOUN
cblr-2966	135	35	.	.	PUNCT
cblr-2966	135	36	"	"	PUNCT
cblr-2966	136	1	the	the	DET
cblr-2966	136	2	lending	lending	NOUN
cblr-2966	136	3	with	with	ADP
cblr-2966	136	4	intent	intent	NOUN
cblr-2966	136	5	to	to	PART
cblr-2966	136	6	foreclose	foreclose	VERB
cblr-2966	136	7	)	)	PUNCT
cblr-2966	136	8	,	,	PUNCT
cblr-2966	136	9	brokers	broker	NOUN
cblr-2966	136	10	'	'	PART
cblr-2966	136	11	fees	fee	NOUN
cblr-2966	136	12	over	over	ADP
cblr-2966	136	13	a	a	DET
cblr-2966	136	14	certain	certain	ADJ
cblr-2966	136	15	amount	amount	NOUN
cblr-2966	136	16	,	,	PUNCT
cblr-2966	136	17	and	and	CCONJ
cblr-2966	136	18	loan	loan	NOUN
cblr-2966	136	19	flipping	flipping	NOUN
cblr-2966	136	20	(	(	PUNCT
cblr-2966	136	21	refinancing	refinance	VERB
cblr-2966	136	22	with	with	ADP
cblr-2966	136	23	same	same	ADJ
cblr-2966	136	24	lender	lender	NOUN
cblr-2966	136	25	in	in	ADP
cblr-2966	136	26	order	order	NOUN
cblr-2966	136	27	to	to	PART
cblr-2966	136	28	perpetuate	perpetuate	VERB
cblr-2966	136	29	someone	someone	PRON
cblr-2966	136	30	in	in	ADP
cblr-2966	136	31	a	a	DET
cblr-2966	136	32	loan	loan	NOUN
cblr-2966	136	33	they	they	PRON
cblr-2966	136	34	can	can	AUX
cblr-2966	136	35	not	not	PART
cblr-2966	136	36	afford	afford	VERB
cblr-2966	136	37	)	)	PUNCT
cblr-2966	136	38	.	.	PUNCT
cblr-2966	137	1	see	see	VERB
cblr-2966	137	2	cal	cal	PROPN
cblr-2966	137	3	.	.	PUNCT
cblr-2966	138	1	fin	fin	NOUN
cblr-2966	138	2	.	.	PUNCT
cblr-2966	138	3	code	code	PROPN
cblr-2966	138	4	§	§	PROPN
cblr-2966	138	5	§	§	PROPN
cblr-2966	138	6	4973	4973	NUM
cblr-2966	138	7	,	,	PUNCT
cblr-2966	138	8	4979	4979	NUM
cblr-2966	138	9	(	(	PUNCT
cblr-2966	138	10	2008	2008	NUM
cblr-2966	138	11	)	)	PUNCT
cblr-2966	138	12	.	.	PUNCT
cblr-2966	139	1	the	the	DET
cblr-2966	139	2	texas	texas	PROPN
cblr-2966	139	3	anti	anti	ADJ
cblr-2966	139	4	-	-	ADJ
cblr-2966	139	5	predatory	predatory	ADJ
cblr-2966	139	6	lending	lending	NOUN
cblr-2966	139	7	law	law	NOUN
cblr-2966	139	8	bans	ban	VERB
cblr-2966	139	9	balloon	balloon	NOUN
cblr-2966	139	10	payments	payment	NOUN
cblr-2966	139	11	(	(	PUNCT
cblr-2966	139	12	loan	loan	NOUN
cblr-2966	139	13	payments	payment	NOUN
cblr-2966	139	14	increase	increase	VERB
cblr-2966	139	15	dramatically	dramatically	ADV
cblr-2966	139	16	over	over	ADP
cblr-2966	139	17	life	life	NOUN
cblr-2966	139	18	of	of	ADP
cblr-2966	139	19	loan	loan	NOUN
cblr-2966	139	20	)	)	PUNCT
cblr-2966	139	21	.	.	PUNCT
cblr-2966	140	1	see	see	VERB
cblr-2966	140	2	tex	tex	PROPN
cblr-2966	140	3	.	.	PROPN
cblr-2966	140	4	fin	fin	PROPN
cblr-2966	140	5	.	.	PUNCT
cblr-2966	140	6	code	code	PROPN
cblr-2966	140	7	ann	ann	PROPN
cblr-2966	140	8	.	.	PUNCT
cblr-2966	141	1	§	§	PROPN
cblr-2966	141	2	§	§	PROPN
cblr-2966	141	3	343.201	343.201	NUM
cblr-2966	141	4	-	-	SYM
cblr-2966	141	5	205	205	NUM
cblr-2966	141	6	(	(	PUNCT
cblr-2966	141	7	2007	2007	NUM
cblr-2966	141	8	)	)	PUNCT
cblr-2966	141	9	.	.	PUNCT
cblr-2966	142	1	finally	finally	ADV
cblr-2966	142	2	,	,	PUNCT
cblr-2966	142	3	pennsylvania	pennsylvania	PROPN
cblr-2966	142	4	bans	ban	VERB
cblr-2966	142	5	call	call	VERB
cblr-2966	142	6	provisions	provision	NOUN
cblr-2966	142	7	(	(	PUNCT
cblr-2966	142	8	ability	ability	NOUN
cblr-2966	142	9	to	to	PART
cblr-2966	142	10	call	call	VERB
cblr-2966	142	11	for	for	ADP
cblr-2966	142	12	full	full	ADJ
cblr-2966	142	13	amount	amount	NOUN
cblr-2966	142	14	of	of	ADP
cblr-2966	142	15	indebtedness	indebtedness	NOUN
cblr-2966	142	16	at	at	ADP
cblr-2966	142	17	anytime	anytime	NOUN
cblr-2966	142	18	)	)	PUNCT
cblr-2966	142	19	and	and	CCONJ
cblr-2966	142	20	advance	advance	NOUN
cblr-2966	142	21	payments	payment	NOUN
cblr-2966	142	22	from	from	ADP
cblr-2966	142	23	the	the	DET
cblr-2966	142	24	proceeds	proceed	NOUN
cblr-2966	142	25	of	of	ADP
cblr-2966	142	26	the	the	DET
cblr-2966	142	27	loan	loan	NOUN
cblr-2966	142	28	itself	itself	PRON
cblr-2966	142	29	.	.	PUNCT
cblr-2966	143	1	see	see	VERB
cblr-2966	143	2	63	63	NUM
cblr-2966	143	3	pa	pa	PROPN
cblr-2966	143	4	.	.	PROPN
cblr-2966	143	5	stat	stat	PROPN
cblr-2966	143	6	.	.	PUNCT
cblr-2966	144	1	ann	ann	PROPN
cblr-2966	144	2	.	.	PUNCT
cblr-2966	145	1	§	§	PROPN
cblr-2966	145	2	456.511	456.511	NUM
cblr-2966	145	3	(	(	PUNCT
cblr-2966	145	4	2007	2007	NUM
cblr-2966	145	5	)	)	PUNCT
cblr-2966	145	6	.	.	PUNCT
cblr-2966	146	1	27	27	NUM
cblr-2966	146	2	scholars	scholar	NOUN
cblr-2966	146	3	blame	blame	VERB
cblr-2966	146	4	informational	informational	ADJ
cblr-2966	146	5	asymmetries	asymmetry	NOUN
cblr-2966	146	6	for	for	ADP
cblr-2966	146	7	some	some	PRON
cblr-2966	146	8	of	of	ADP
cblr-2966	146	9	this	this	DET
cblr-2966	146	10	problem	problem	NOUN
cblr-2966	146	11	.	.	PUNCT
cblr-2966	147	1	many	many	ADJ
cblr-2966	147	2	subprime	subprime	ADJ
cblr-2966	147	3	lenders	lender	NOUN
cblr-2966	147	4	set	set	VERB
cblr-2966	147	5	up	up	ADP
cblr-2966	147	6	shop	shop	NOUN
cblr-2966	147	7	in	in	ADP
cblr-2966	147	8	historically	historically	ADV
cblr-2966	147	9	unserved	unserved	ADJ
cblr-2966	147	10	areas	area	NOUN
cblr-2966	147	11	.	.	PUNCT
cblr-2966	148	1	thus	thus	ADV
cblr-2966	148	2	,	,	PUNCT
cblr-2966	148	3	the	the	DET
cblr-2966	148	4	majority	majority	NOUN
cblr-2966	148	5	of	of	ADP
cblr-2966	148	6	their	their	PRON
cblr-2966	148	7	customers	customer	NOUN
cblr-2966	148	8	are	be	AUX
cblr-2966	148	9	subprime	subprime	ADJ
cblr-2966	148	10	,	,	PUNCT
cblr-2966	148	11	but	but	CCONJ
cblr-2966	148	12	they	they	PRON
cblr-2966	148	13	can	can	AUX
cblr-2966	148	14	steer	steer	VERB
cblr-2966	148	15	even	even	ADV
cblr-2966	148	16	those	those	PRON
cblr-2966	148	17	who	who	PRON
cblr-2966	148	18	are	be	AUX
cblr-2966	148	19	not	not	PART
cblr-2966	148	20	into	into	ADP
cblr-2966	148	21	subprime	subprime	ADJ
cblr-2966	148	22	loans	loan	NOUN
cblr-2966	148	23	because	because	SCONJ
cblr-2966	148	24	they	they	PRON
cblr-2966	148	25	are	be	AUX
cblr-2966	148	26	credit	credit	NOUN
cblr-2966	148	27	-	-	PUNCT
cblr-2966	148	28	status	status	NOUN
cblr-2966	148	29	naive	naive	ADJ
cblr-2966	148	30	.	.	PUNCT
cblr-2966	149	1	see	see	VERB
cblr-2966	149	2	renuart	renuart	NOUN
cblr-2966	149	3	,	,	PUNCT
cblr-2966	149	4	supra	supra	PROPN
cblr-2966	149	5	note	note	NOUN
cblr-2966	149	6	15	15	NUM
cblr-2966	149	7	,	,	PUNCT
cblr-2966	149	8	at	at	ADP
cblr-2966	149	9	423	423	NUM
cblr-2966	149	10	;	;	PUNCT
cblr-2966	149	11	silverman	silverman	NOUN
cblr-2966	149	12	,	,	PUNCT
cblr-2966	149	13	supra	supra	PROPN
cblr-2966	149	14	note	note	PROPN
cblr-2966	149	15	13	13	NUM
cblr-2966	149	16	,	,	PUNCT
cblr-2966	149	17	at	at	ADP
cblr-2966	149	18	528	528	NUM
cblr-2966	149	19	-	-	SYM
cblr-2966	149	20	29	29	NUM
cblr-2966	149	21	;	;	PUNCT
cblr-2966	149	22	lloyd	lloyd	PROPN
cblr-2966	149	23	t.	t.	PROPN
cblr-2966	149	24	wilson	wilson	PROPN
cblr-2966	149	25	,	,	PUNCT
cblr-2966	149	26	jr	jr	PROPN
cblr-2966	149	27	.	.	PROPN
cblr-2966	149	28	,	,	PUNCT
cblr-2966	149	29	effecting	effect	VERB
cblr-2966	149	30	responsibility	responsibility	NOUN
cblr-2966	149	31	in	in	ADP
cblr-2966	149	32	the	the	DET
cblr-2966	149	33	mortgage	mortgage	NOUN
cblr-2966	149	34	broker	broker	NOUN
cblr-2966	149	35	-	-	PUNCT
cblr-2966	149	36	borrower	borrower	NOUN
cblr-2966	149	37	relationship	relationship	NOUN
cblr-2966	149	38	:	:	PUNCT
cblr-2966	149	39	a	a	DET
cblr-2966	149	40	role	role	NOUN
cblr-2966	149	41	for	for	ADP
cblr-2966	149	42	agency	agency	NOUN
cblr-2966	149	43	principles	principle	NOUN
cblr-2966	149	44	in	in	ADP
cblr-2966	149	45	predatory	predatory	ADJ
cblr-2966	149	46	lending	lending	NOUN
cblr-2966	149	47	,	,	PUNCT
cblr-2966	149	48	73	73	NUM
cblr-2966	149	49	u.	u.	NOUN
cblr-2966	149	50	cin	cin	PROPN
cblr-2966	149	51	.	.	PUNCT
cblr-2966	150	1	l.	l.	PROPN
cblr-2966	150	2	rev	rev	PROPN
cblr-2966	150	3	.	.	PROPN
cblr-2966	150	4	1471	1471	NUM
cblr-2966	150	5	,	,	PUNCT
cblr-2966	150	6	1478	1478	NUM
cblr-2966	150	7	-	-	SYM
cblr-2966	150	8	79	79	NUM
cblr-2966	150	9	(	(	PUNCT
cblr-2966	150	10	2005	2005	NUM
cblr-2966	150	11	)	)	PUNCT
cblr-2966	150	12	.	.	PUNCT
cblr-2966	151	1	in	in	ADP
cblr-2966	151	2	fact	fact	NOUN
cblr-2966	151	3	,	,	PUNCT
cblr-2966	151	4	fannie	fannie	PROPN
cblr-2966	151	5	mae	mae	PROPN
cblr-2966	151	6	alleges	allege	VERB
cblr-2966	151	7	that	that	SCONJ
cblr-2966	151	8	over	over	ADP
cblr-2966	151	9	half	half	NOUN
cblr-2966	151	10	of	of	ADP
cblr-2966	151	11	the	the	DET
cblr-2966	151	12	people	people	NOUN
cblr-2966	151	13	who	who	PRON
cblr-2966	151	14	take	take	VERB
cblr-2966	151	15	out	out	ADP
cblr-2966	151	16	subprime	subprime	ADJ
cblr-2966	151	17	loans	loan	NOUN
cblr-2966	151	18	could	could	AUX
cblr-2966	151	19	qualify	qualify	VERB
cblr-2966	151	20	for	for	ADP
cblr-2966	151	21	prime	prime	ADJ
cblr-2966	151	22	loans	loan	NOUN
cblr-2966	151	23	but	but	CCONJ
cblr-2966	151	24	do	do	AUX
cblr-2966	151	25	not	not	PART
cblr-2966	151	26	realize	realize	VERB
cblr-2966	151	27	it	it	PRON
cblr-2966	151	28	.	.	PUNCT
cblr-2966	152	1	hunting	hunt	VERB
cblr-2966	152	2	the	the	DET
cblr-2966	152	3	loan	loan	NOUN
cblr-2966	152	4	sharks	shark	NOUN
cblr-2966	152	5	;	;	PUNCT
cblr-2966	152	6	predatory	predatory	NOUN
cblr-2966	152	7	lending	lending	NOUN
cblr-2966	152	8	in	in	ADP
cblr-2966	152	9	america	america	PROPN
cblr-2966	152	10	,	,	PUNCT
cblr-2966	152	11	economist	economist	NOUN
cblr-2966	152	12	,	,	PUNCT
cblr-2966	152	13	aug	aug	PROPN
cblr-2966	152	14	.	.	PROPN
cblr-2966	152	15	31	31	NUM
cblr-2966	152	16	,	,	PUNCT
cblr-2966	152	17	2002	2002	NUM
cblr-2966	152	18	,	,	PUNCT
cblr-2966	152	19	at	at	ADP
cblr-2966	152	20	55	55	NUM
cblr-2966	152	21	-	-	SYM
cblr-2966	152	22	56	56	NUM
cblr-2966	152	23	.	.	NOUN
cblr-2966	152	24	21	21	NUM
cblr-2966	152	25	see	see	VERB
cblr-2966	152	26	engel	engel	PROPN
cblr-2966	152	27	&	&	CCONJ
cblr-2966	152	28	mccoy	mccoy	PROPN
cblr-2966	152	29	,	,	PUNCT
cblr-2966	152	30	supra	supra	PROPN
cblr-2966	152	31	note	note	PROPN
cblr-2966	152	32	25	25	NUM
cblr-2966	152	33	,	,	PUNCT
cblr-2966	152	34	at	at	ADP
cblr-2966	152	35	2042	2042	NUM
cblr-2966	152	36	.	.	PUNCT
cblr-2966	153	1	29	29	NUM
cblr-2966	153	2	see	see	VERB
cblr-2966	153	3	silverman	silverman	NOUN
cblr-2966	153	4	,	,	PUNCT
cblr-2966	153	5	supra	supra	PROPN
cblr-2966	153	6	note	note	PROPN
cblr-2966	153	7	13	13	NUM
cblr-2966	153	8	,	,	PUNCT
cblr-2966	153	9	at	at	ADP
cblr-2966	153	10	528	528	NUM
cblr-2966	153	11	-	-	SYM
cblr-2966	153	12	29	29	NUM
cblr-2966	153	13	(	(	PUNCT
cblr-2966	153	14	suggesting	suggest	VERB
cblr-2966	153	15	foreclosures	foreclosure	NOUN
cblr-2966	153	16	destroy	destroy	VERB
cblr-2966	153	17	any	any	DET
cblr-2966	153	18	sense	sense	NOUN
cblr-2966	153	19	of	of	ADP
cblr-2966	153	20	neighborhood	neighborhood	NOUN
cblr-2966	153	21	)	)	PUNCT
cblr-2966	153	22	.	.	PUNCT
cblr-2966	154	1	these	these	DET
cblr-2966	154	2	damages	damage	NOUN
cblr-2966	154	3	include	include	VERB
cblr-2966	154	4	things	thing	NOUN
cblr-2966	154	5	like	like	ADP
cblr-2966	154	6	extra	extra	ADJ
cblr-2966	154	7	police	police	NOUN
cblr-2966	154	8	and	and	CCONJ
cblr-2966	154	9	fire	fire	NOUN
cblr-2966	154	10	costs	cost	NOUN
cblr-2966	154	11	to	to	PART
cblr-2966	154	12	cover	cover	VERB
cblr-2966	154	13	the	the	DET
cblr-2966	154	14	risk	risk	NOUN
cblr-2966	154	15	of	of	ADP
cblr-2966	154	16	vandalism	vandalism	NOUN
cblr-2966	154	17	and	and	CCONJ
cblr-2966	154	18	arson	arson	NOUN
cblr-2966	154	19	in	in	ADP
cblr-2966	154	20	abandoned	abandon	VERB
cblr-2966	154	21	homes	home	NOUN
cblr-2966	154	22	.	.	PUNCT
cblr-2966	155	1	see	see	VERB
cblr-2966	155	2	also	also	ADV
cblr-2966	155	3	gretchen	gretchen	PROPN
cblr-2966	155	4	morgenson	morgenson	PROPN
cblr-2966	155	5	,	,	PUNCT
cblr-2966	155	6	baltimore	baltimore	PROPN
cblr-2966	155	7	is	be	AUX
cblr-2966	155	8	suing	sue	VERB
cblr-2966	155	9	bank	bank	NOUN
cblr-2966	155	10	over	over	ADP
cblr-2966	155	11	foreclosure	foreclosure	NOUN
cblr-2966	155	12	crisis	crisis	NOUN
cblr-2966	155	13	,	,	PUNCT
cblr-2966	155	14	n.y	n.y	PROPN
cblr-2966	155	15	.	.	PROPN
cblr-2966	155	16	times	times	PROPN
cblr-2966	155	17	,	,	PUNCT
cblr-2966	155	18	jan	jan	PROPN
cblr-2966	155	19	.	.	PROPN
cblr-2966	155	20	8	8	NUM
cblr-2966	155	21	,	,	PUNCT
cblr-2966	155	22	2008	2008	NUM
cblr-2966	155	23	,	,	PUNCT
cblr-2966	155	24	at	at	ADP
cblr-2966	155	25	a12	a12	PROPN
cblr-2966	155	26	.	.	PUNCT
cblr-2966	156	1	cleveland	cleveland	PROPN
cblr-2966	156	2	has	have	AUX
cblr-2966	156	3	recently	recently	ADV
cblr-2966	156	4	attempted	attempt	VERB
cblr-2966	156	5	to	to	PART
cblr-2966	156	6	recover	recover	VERB
cblr-2966	156	7	these	these	DET
cblr-2966	156	8	damages	damage	NOUN
cblr-2966	156	9	under	under	ADP
cblr-2966	156	10	a	a	DET
cblr-2966	156	11	public	public	ADJ
cblr-2966	156	12	nuisance	nuisance	NOUN
cblr-2966	156	13	theory	theory	NOUN
cblr-2966	156	14	.	.	PUNCT
cblr-2966	157	1	see	see	VERB
cblr-2966	157	2	henry	henry	PROPN
cblr-2966	157	3	j.	j.	PROPN
cblr-2966	157	4	gomez	gomez	PROPN
cblr-2966	157	5	&	&	CCONJ
cblr-2966	157	6	thomas	thomas	PROPN
cblr-2966	157	7	ott	ott	PROPN
cblr-2966	157	8	,	,	PUNCT
cblr-2966	157	9	mayor	mayor	NOUN
cblr-2966	157	10	takes	take	VERB
cblr-2966	157	11	on	on	ADP
cblr-2966	157	12	banks	bank	NOUN
cblr-2966	157	13	in	in	ADP
cblr-2966	157	14	lawsuit	lawsuit	NOUN
cblr-2966	157	15	,	,	PUNCT
cblr-2966	157	16	cleveland	cleveland	PROPN
cblr-2966	157	17	plain	plain	PROPN
cblr-2966	157	18	dealer	dealer	NOUN
cblr-2966	157	19	,	,	PUNCT
cblr-2966	157	20	jan	jan	PROPN
cblr-2966	157	21	.	.	PROPN
cblr-2966	157	22	11	11	NUM
cblr-2966	157	23	,	,	PUNCT
cblr-2966	157	24	2008	2008	NUM
cblr-2966	157	25	,	,	PUNCT
cblr-2966	157	26	at	at	ADP
cblr-2966	157	27	al	al	PROPN
cblr-2966	157	28	.	.	PUNCT
cblr-2966	157	29	'	'	PUNCT
cblr-2966	157	30	0	0	NUM
cblr-2966	158	1	see	see	VERB
cblr-2966	158	2	william	william	PROPN
cblr-2966	158	3	c.	c.	PROPN
cblr-2966	158	4	apgar	apgar	PROPN
cblr-2966	158	5	et	et	PROPN
cblr-2966	158	6	al	al	PROPN
cblr-2966	158	7	.	.	PROPN
cblr-2966	158	8	,	,	PUNCT
cblr-2966	158	9	the	the	DET
cblr-2966	158	10	municipal	municipal	ADJ
cblr-2966	158	11	cost	cost	NOUN
cblr-2966	158	12	of	of	ADP
cblr-2966	158	13	foreclosures	foreclosure	NOUN
cblr-2966	158	14	:	:	PUNCT
cblr-2966	158	15	a	a	DET
cblr-2966	158	16	chicago	chicago	PROPN
cblr-2966	158	17	case	case	NOUN
cblr-2966	158	18	study	study	NOUN
cblr-2966	158	19	,	,	PUNCT
cblr-2966	158	20	(	(	PUNCT
cblr-2966	158	21	homeownership	homeownership	NOUN
cblr-2966	158	22	preservation	preservation	NOUN
cblr-2966	158	23	foundation	foundation	NOUN
cblr-2966	158	24	,	,	PUNCT
cblr-2966	158	25	policy	policy	NOUN
cblr-2966	158	26	paper	paper	NOUN
cblr-2966	158	27	no	no	NOUN
cblr-2966	158	28	.	.	PROPN
cblr-2966	158	29	2005	2005	NUM
cblr-2966	158	30	-	-	SYM
cblr-2966	158	31	1	1	NUM
cblr-2966	158	32	,	,	PUNCT
cblr-2966	158	33	2005	2005	NUM
cblr-2966	158	34	)	)	PUNCT
cblr-2966	158	35	,	,	PUNCT
cblr-2966	158	36	available	available	ADJ
cblr-2966	158	37	at	at	ADP
cblr-2966	158	38	http://www.nw.org/network/	http://www.nw.org/network/	PROPN
cblr-2966	158	39	no	no	NOUN
cblr-2966	158	40	.	.	PUNCT
cblr-2966	159	1	3:1021	3:1021	NUM
cblr-2966	159	2	]	]	X
cblr-2966	159	3	problem	problem	NOUN
cblr-2966	159	4	is	be	AUX
cblr-2966	159	5	not	not	PART
cblr-2966	159	6	going	go	VERB
cblr-2966	159	7	anywhere	anywhere	ADV
cblr-2966	159	8	.	.	PUNCT
cblr-2966	160	1	in	in	ADP
cblr-2966	160	2	2005	2005	NUM
cblr-2966	160	3	,	,	PUNCT
cblr-2966	160	4	experts	expert	NOUN
cblr-2966	160	5	estimated	estimate	VERB
cblr-2966	160	6	that	that	SCONJ
cblr-2966	160	7	almost	almost	ADV
cblr-2966	160	8	15	15	NUM
cblr-2966	160	9	%	%	NOUN
cblr-2966	160	10	of	of	ADP
cblr-2966	160	11	all	all	DET
cblr-2966	160	12	mortgages	mortgage	NOUN
cblr-2966	160	13	were	be	AUX
cblr-2966	160	14	to	to	ADP
cblr-2966	160	15	borrowers	borrower	NOUN
cblr-2966	160	16	considered	consider	VERB
cblr-2966	160	17	most	most	ADV
cblr-2966	160	18	likely	likely	ADJ
cblr-2966	160	19	to	to	PART
cblr-2966	160	20	default	default	VERB
cblr-2966	160	21	.	.	PUNCT
cblr-2966	160	22	"	"	PUNCT
cblr-2966	161	1	in	in	ADP
cblr-2966	161	2	2006	2006	NUM
cblr-2966	161	3	,	,	PUNCT
cblr-2966	161	4	experts	expert	NOUN
cblr-2966	161	5	predicted	predict	VERB
cblr-2966	161	6	that	that	SCONJ
cblr-2966	161	7	by	by	ADP
cblr-2966	161	8	2008	2008	NUM
cblr-2966	161	9	as	as	ADV
cblr-2966	161	10	many	many	ADJ
cblr-2966	161	11	as	as	ADP
cblr-2966	161	12	20	20	NUM
cblr-2966	161	13	%	%	NOUN
cblr-2966	161	14	of	of	ADP
cblr-2966	161	15	all	all	DET
cblr-2966	161	16	subprime	subprime	ADJ
cblr-2966	161	17	borrowers	borrower	NOUN
cblr-2966	161	18	would	would	AUX
cblr-2966	161	19	be	be	AUX
cblr-2966	161	20	in	in	ADP
cblr-2966	161	21	arrears.12	arrears.12	NOUN
cblr-2966	161	22	the	the	DET
cblr-2966	161	23	cost	cost	NOUN
cblr-2966	161	24	of	of	ADP
cblr-2966	161	25	foreclosureinduced	foreclosureinduced	ADJ
cblr-2966	161	26	home	home	NOUN
cblr-2966	161	27	turnover	turnover	NOUN
cblr-2966	161	28	necessitates	necessitate	VERB
cblr-2966	161	29	the	the	DET
cblr-2966	161	30	intervention	intervention	NOUN
cblr-2966	161	31	of	of	ADP
cblr-2966	161	32	a	a	DET
cblr-2966	161	33	regulatory	regulatory	ADJ
cblr-2966	161	34	regime	regime	NOUN
cblr-2966	161	35	.	.	PUNCT
cblr-2966	162	1	b.	b.	PROPN
cblr-2966	162	2	securitization	securitization	NOUN
cblr-2966	162	3	securitization	securitization	NOUN
cblr-2966	162	4	has	have	AUX
cblr-2966	162	5	fostered	foster	VERB
cblr-2966	162	6	a	a	DET
cblr-2966	162	7	climate	climate	NOUN
cblr-2966	162	8	for	for	ADP
cblr-2966	162	9	predatory	predatory	ADJ
cblr-2966	162	10	practices	practice	NOUN
cblr-2966	162	11	to	to	PART
cblr-2966	162	12	flourish	flourish	VERB
cblr-2966	162	13	alongside	alongside	ADP
cblr-2966	162	14	legitimate	legitimate	ADJ
cblr-2966	162	15	subprime	subprime	ADJ
cblr-2966	162	16	lending	lending	NOUN
cblr-2966	162	17	.	.	PUNCT
cblr-2966	163	1	however	however	ADV
cblr-2966	163	2	,	,	PUNCT
cblr-2966	163	3	in	in	ADP
cblr-2966	163	4	an	an	DET
cblr-2966	163	5	unsolved	unsolved	ADJ
cblr-2966	163	6	enigma	enigma	NOUN
cblr-2966	163	7	,	,	PUNCT
cblr-2966	163	8	legitimate	legitimate	ADJ
cblr-2966	163	9	subprime	subprime	ADJ
cblr-2966	163	10	lending	lending	NOUN
cblr-2966	163	11	only	only	ADV
cblr-2966	163	12	became	become	VERB
cblr-2966	163	13	possible	possible	ADJ
cblr-2966	163	14	due	due	ADP
cblr-2966	163	15	to	to	ADP
cblr-2966	163	16	securitization	securitization	NOUN
cblr-2966	163	17	3	3	NUM
cblr-2966	163	18	securitization	securitization	NOUN
cblr-2966	163	19	involves	involve	VERB
cblr-2966	163	20	the	the	DET
cblr-2966	163	21	pooling	pooling	NOUN
cblr-2966	163	22	of	of	ADP
cblr-2966	163	23	multiple	multiple	ADJ
cblr-2966	163	24	loans	loan	NOUN
cblr-2966	163	25	and	and	CCONJ
cblr-2966	163	26	then	then	ADV
cblr-2966	163	27	the	the	DET
cblr-2966	163	28	selling	selling	NOUN
cblr-2966	163	29	of	of	ADP
cblr-2966	163	30	securities	security	NOUN
cblr-2966	163	31	backed	back	VERB
cblr-2966	163	32	by	by	ADP
cblr-2966	163	33	the	the	DET
cblr-2966	163	34	interest	interest	NOUN
cblr-2966	163	35	and	and	CCONJ
cblr-2966	163	36	principal	principal	ADJ
cblr-2966	163	37	payments	payment	NOUN
cblr-2966	163	38	of	of	ADP
cblr-2966	163	39	the	the	DET
cblr-2966	163	40	pooled	pool	VERB
cblr-2966	163	41	loans	loan	NOUN
cblr-2966	163	42	.	.	PUNCT
cblr-2966	164	1	this	this	PRON
cblr-2966	164	2	is	be	AUX
cblr-2966	164	3	no	no	DET
cblr-2966	164	4	small	small	ADJ
cblr-2966	164	5	phenomenon	phenomenon	NOUN
cblr-2966	164	6	;	;	PUNCT
cblr-2966	164	7	about	about	ADV
cblr-2966	164	8	80	80	NUM
cblr-2966	164	9	%	%	NOUN
cblr-2966	164	10	of	of	ADP
cblr-2966	164	11	subprime	subprime	ADJ
cblr-2966	164	12	loans	loan	NOUN
cblr-2966	164	13	are	be	AUX
cblr-2966	164	14	securitized.3	securitized.3	PROPN
cblr-2966	164	15	4	4	NUM
cblr-2966	164	16	roughly	roughly	ADV
cblr-2966	164	17	70	70	NUM
cblr-2966	164	18	%	%	NOUN
cblr-2966	164	19	neighborworksprogs	neighborworksprog	NOUN
cblr-2966	164	20	/	/	SYM
cblr-2966	164	21	foreclosuresolutions	foreclosuresolution	NOUN
cblr-2966	164	22	/	/	SYM
cblr-2966	164	23	pdf	pdf	NOUN
cblr-2966	164	24	docs/2005apgar	docs/2005apgar	NOUN
cblr-2966	164	25	-	-	PUNCT
cblr-2966	164	26	dudastudyfullversion.pdf	dudastudyfullversion.pdf	NOUN
cblr-2966	164	27	.	.	PUNCT
cblr-2966	164	28	"	"	PUNCT
cblr-2966	165	1	see	see	VERB
cblr-2966	165	2	yoon	yoon	PROPN
cblr-2966	165	3	,	,	PUNCT
cblr-2966	165	4	supra	supra	PROPN
cblr-2966	165	5	note	note	NOUN
cblr-2966	165	6	9	9	NUM
cblr-2966	165	7	.	.	SYM
cblr-2966	165	8	32	32	NUM
cblr-2966	165	9	see	see	NOUN
cblr-2966	165	10	whitehouse	whitehouse	NOUN
cblr-2966	165	11	,	,	PUNCT
cblr-2966	165	12	supra	supra	PROPN
cblr-2966	165	13	note	note	NOUN
cblr-2966	165	14	10	10	NUM
cblr-2966	165	15	.	.	PUNCT
cblr-2966	166	1	an	an	DET
cblr-2966	166	2	early	early	ADJ
cblr-2966	166	3	article	article	NOUN
cblr-2966	166	4	on	on	ADP
cblr-2966	166	5	securitization	securitization	NOUN
cblr-2966	166	6	pointed	point	VERB
cblr-2966	166	7	out	out	ADP
cblr-2966	166	8	that	that	SCONJ
cblr-2966	166	9	economies	economy	NOUN
cblr-2966	166	10	of	of	ADP
cblr-2966	166	11	scale	scale	NOUN
cblr-2966	166	12	involved	involve	VERB
cblr-2966	166	13	in	in	ADP
cblr-2966	166	14	large	large	ADJ
cblr-2966	166	15	pooling	pooling	NOUN
cblr-2966	166	16	and	and	CCONJ
cblr-2966	166	17	reselling	resell	VERB
cblr-2966	166	18	of	of	ADP
cblr-2966	166	19	bonds	bond	NOUN
cblr-2966	166	20	allows	allow	VERB
cblr-2966	166	21	the	the	DET
cblr-2966	166	22	income	income	NOUN
cblr-2966	166	23	stream	stream	NOUN
cblr-2966	166	24	to	to	PART
cblr-2966	166	25	become	become	VERB
cblr-2966	166	26	far	far	ADV
cblr-2966	166	27	more	more	ADV
cblr-2966	166	28	valuable	valuable	ADJ
cblr-2966	166	29	than	than	SCONJ
cblr-2966	166	30	it	it	PRON
cblr-2966	166	31	would	would	AUX
cblr-2966	166	32	on	on	ADP
cblr-2966	166	33	its	its	PRON
cblr-2966	166	34	own	own	ADJ
cblr-2966	166	35	.	.	PUNCT
cblr-2966	167	1	see	see	VERB
cblr-2966	167	2	steven	steven	PROPN
cblr-2966	167	3	l.	l.	PROPN
cblr-2966	167	4	schwarcz	schwarcz	PROPN
cblr-2966	167	5	,	,	PUNCT
cblr-2966	167	6	the	the	DET
cblr-2966	167	7	parts	part	NOUN
cblr-2966	167	8	are	be	AUX
cblr-2966	167	9	greater	great	ADJ
cblr-2966	167	10	than	than	ADP
cblr-2966	167	11	the	the	DET
cblr-2966	167	12	whole	whole	NOUN
cblr-2966	167	13	:	:	PUNCT
cblr-2966	167	14	how	how	SCONJ
cblr-2966	167	15	securitization	securitization	NOUN
cblr-2966	167	16	of	of	ADP
cblr-2966	167	17	divisible	divisible	ADJ
cblr-2966	167	18	interests	interest	NOUN
cblr-2966	167	19	can	can	AUX
cblr-2966	167	20	revolutionize	revolutionize	VERB
cblr-2966	167	21	structured	structured	ADJ
cblr-2966	167	22	finance	finance	NOUN
cblr-2966	167	23	and	and	CCONJ
cblr-2966	167	24	open	open	VERB
cblr-2966	167	25	the	the	DET
cblr-2966	167	26	capital	capital	NOUN
cblr-2966	167	27	markets	market	NOUN
cblr-2966	167	28	to	to	ADP
cblr-2966	167	29	middle	middle	ADJ
cblr-2966	167	30	-	-	PUNCT
cblr-2966	167	31	market	market	NOUN
cblr-2966	167	32	companies	company	NOUN
cblr-2966	167	33	,	,	PUNCT
cblr-2966	167	34	1993	1993	NUM
cblr-2966	167	35	colum	colum	NOUN
cblr-2966	167	36	.	.	PUNCT
cblr-2966	168	1	bus	bus	NOUN
cblr-2966	168	2	.	.	PUNCT
cblr-2966	169	1	l.	l.	PROPN
cblr-2966	169	2	rev	rev	PROPN
cblr-2966	169	3	.	.	PROPN
cblr-2966	169	4	139	139	NUM
cblr-2966	169	5	,	,	PUNCT
cblr-2966	169	6	167	167	NUM
cblr-2966	169	7	(	(	PUNCT
cblr-2966	169	8	1993	1993	NUM
cblr-2966	169	9	)	)	PUNCT
cblr-2966	169	10	.	.	PUNCT
cblr-2966	170	1	"	"	PUNCT
cblr-2966	171	1	this	this	DET
cblr-2966	171	2	phenomenon	phenomenon	NOUN
cblr-2966	171	3	amounts	amount	VERB
cblr-2966	171	4	to	to	ADP
cblr-2966	171	5	about	about	ADP
cblr-2966	171	6	$	$	SYM
cblr-2966	171	7	525	525	NUM
cblr-2966	171	8	billion	billion	NUM
cblr-2966	171	9	in	in	ADP
cblr-2966	171	10	the	the	DET
cblr-2966	171	11	securities	security	NOUN
cblr-2966	171	12	market	market	NOUN
cblr-2966	171	13	.	.	PUNCT
cblr-2966	172	1	see	see	VERB
cblr-2966	172	2	engel	engel	PROPN
cblr-2966	172	3	&	&	CCONJ
cblr-2966	172	4	mccoy	mccoy	PROPN
cblr-2966	172	5	,	,	PUNCT
cblr-2966	172	6	supra	supra	PROPN
cblr-2966	172	7	note	note	PROPN
cblr-2966	172	8	25	25	NUM
cblr-2966	172	9	,	,	PUNCT
cblr-2966	172	10	at	at	ADP
cblr-2966	172	11	2045	2045	NUM
cblr-2966	172	12	.	.	PUNCT
cblr-2966	173	1	that	that	PRON
cblr-2966	173	2	said	say	VERB
cblr-2966	173	3	,	,	PUNCT
cblr-2966	173	4	wall	wall	PROPN
cblr-2966	173	5	street	street	PROPN
cblr-2966	173	6	has	have	AUX
cblr-2966	173	7	long	long	ADV
cblr-2966	173	8	experienced	experience	VERB
cblr-2966	173	9	securitizing	securitize	VERB
cblr-2966	173	10	essentially	essentially	ADV
cblr-2966	173	11	any	any	DET
cblr-2966	173	12	positive	positive	ADJ
cblr-2966	173	13	cash	cash	NOUN
cblr-2966	173	14	flow	flow	NOUN
cblr-2966	173	15	.	.	PUNCT
cblr-2966	174	1	these	these	PRON
cblr-2966	174	2	have	have	AUX
cblr-2966	174	3	included	include	VERB
cblr-2966	174	4	credit	credit	NOUN
cblr-2966	174	5	card	card	NOUN
cblr-2966	174	6	debt	debt	NOUN
cblr-2966	174	7	,	,	PUNCT
cblr-2966	174	8	automobile	automobile	NOUN
cblr-2966	174	9	loans	loan	NOUN
cblr-2966	174	10	,	,	PUNCT
cblr-2966	174	11	commercial	commercial	ADJ
cblr-2966	174	12	loans	loan	NOUN
cblr-2966	174	13	,	,	PUNCT
cblr-2966	174	14	equipment	equipment	NOUN
cblr-2966	174	15	leases	lease	NOUN
cblr-2966	174	16	,	,	PUNCT
cblr-2966	174	17	and	and	CCONJ
cblr-2966	174	18	even	even	ADV
cblr-2966	174	19	loans	loan	NOUN
cblr-2966	174	20	to	to	ADP
cblr-2966	174	21	developing	develop	VERB
cblr-2966	174	22	countries	country	NOUN
cblr-2966	174	23	.	.	PUNCT
cblr-2966	175	1	see	see	VERB
cblr-2966	175	2	christopher	christopher	PROPN
cblr-2966	175	3	l.	l.	PROPN
cblr-2966	175	4	peterson	peterson	PROPN
cblr-2966	175	5	,	,	PUNCT
cblr-2966	175	6	predatory	predatory	ADJ
cblr-2966	175	7	structured	structure	VERB
cblr-2966	175	8	finance	finance	NOUN
cblr-2966	175	9	,	,	PUNCT
cblr-2966	175	10	28	28	NUM
cblr-2966	175	11	cardozo	cardozo	PROPN
cblr-2966	175	12	l.	l.	PROPN
cblr-2966	175	13	rev	rev	PROPN
cblr-2966	175	14	.	.	PROPN
cblr-2966	175	15	2185	2185	NUM
cblr-2966	175	16	,	,	PUNCT
cblr-2966	175	17	2198	2198	NUM
cblr-2966	175	18	(	(	PUNCT
cblr-2966	175	19	2006	2006	NUM
cblr-2966	175	20	)	)	PUNCT
cblr-2966	175	21	.	.	PUNCT
cblr-2966	176	1	even	even	ADV
cblr-2966	176	2	a	a	DET
cblr-2966	176	3	david	david	PROPN
cblr-2966	176	4	bowie	bowie	PROPN
cblr-2966	176	5	album	album	NOUN
cblr-2966	176	6	had	have	VERB
cblr-2966	176	7	its	its	PRON
cblr-2966	176	8	future	future	ADJ
cblr-2966	176	9	revenue	revenue	NOUN
cblr-2966	176	10	streams	stream	NOUN
cblr-2966	176	11	securitized	securitize	VERB
cblr-2966	176	12	.	.	PUNCT
cblr-2966	177	1	lisa	lisa	PROPN
cblr-2966	177	2	m.	m.	PROPN
cblr-2966	177	3	fairfax	fairfax	PROPN
cblr-2966	177	4	,	,	PUNCT
cblr-2966	177	5	when	when	SCONJ
cblr-2966	177	6	you	you	PRON
cblr-2966	177	7	wish	wish	VERB
cblr-2966	177	8	upon	upon	SCONJ
cblr-2966	177	9	a	a	DET
cblr-2966	177	10	star	star	NOUN
cblr-2966	177	11	:	:	PUNCT
cblr-2966	177	12	explaining	explain	VERB
cblr-2966	177	13	the	the	DET
cblr-2966	177	14	cautious	cautious	ADJ
cblr-2966	177	15	growth	growth	NOUN
cblr-2966	177	16	of	of	ADP
cblr-2966	177	17	royalty	royalty	NOUN
cblr-2966	177	18	-	-	PUNCT
cblr-2966	177	19	backed	back	VERB
cblr-2966	177	20	securitization	securitization	NOUN
cblr-2966	177	21	,	,	PUNCT
cblr-2966	177	22	1999	1999	NUM
cblr-2966	177	23	colum	colum	NOUN
cblr-2966	177	24	.	.	PUNCT
cblr-2966	178	1	bus	bus	NOUN
cblr-2966	178	2	.	.	PUNCT
cblr-2966	179	1	l.	l.	PROPN
cblr-2966	179	2	rev	rev	PROPN
cblr-2966	179	3	.	.	PROPN
cblr-2966	179	4	441,442	441,442	NUM
cblr-2966	179	5	(	(	PUNCT
cblr-2966	179	6	1999	1999	NUM
cblr-2966	179	7	)	)	PUNCT
cblr-2966	179	8	.	.	PUNCT
cblr-2966	180	1	col	col	PROPN
cblr-2966	180	2	umbia	umbia	PROPN
cblr-2966	180	3	b	b	PROPN
cblr-2966	180	4	usiness	usiness	PROPN
cblr-2966	180	5	la	la	PROPN
cblr-2966	180	6	w	w	PROPN
cblr-2966	180	7	re	re	PROPN
cblr-2966	180	8	vie	vie	PROPN
cblr-2966	180	9	w	w	PROPN
cblr-2966	180	10	(	(	PUNCT
cblr-2966	180	11	vol	vol	NOUN
cblr-2966	180	12	.	.	PROPN
cblr-2966	180	13	2008	2008	NUM
cblr-2966	180	14	of	of	ADP
cblr-2966	180	15	subprime	subprime	ADJ
cblr-2966	180	16	loans	loan	NOUN
cblr-2966	180	17	in	in	ADP
cblr-2966	180	18	this	this	DET
cblr-2966	180	19	note	note	NOUN
cblr-2966	180	20	's	's	PART
cblr-2966	180	21	study	study	NOUN
cblr-2966	180	22	were	be	AUX
cblr-2966	180	23	resold	resold	VERB
cblr-2966	180	24	.	.	PUNCT
cblr-2966	180	25	"	"	PUNCT
cblr-2966	181	1	creditors	creditor	NOUN
cblr-2966	181	2	utilize	utilize	VERB
cblr-2966	181	3	securitization	securitization	NOUN
cblr-2966	181	4	to	to	PART
cblr-2966	181	5	increase	increase	VERB
cblr-2966	181	6	their	their	PRON
cblr-2966	181	7	profits	profit	NOUN
cblr-2966	181	8	from	from	ADP
cblr-2966	181	9	extending	extend	VERB
cblr-2966	181	10	credit	credit	NOUN
cblr-2966	181	11	and	and	CCONJ
cblr-2966	181	12	share	share	VERB
cblr-2966	181	13	the	the	DET
cblr-2966	181	14	risk	risk	NOUN
cblr-2966	181	15	with	with	ADP
cblr-2966	181	16	other	other	ADJ
cblr-2966	181	17	parties.36	parties.36	NOUN
cblr-2966	181	18	pooling	pool	VERB
cblr-2966	181	19	the	the	DET
cblr-2966	181	20	loans	loan	NOUN
cblr-2966	181	21	reduces	reduce	VERB
cblr-2966	181	22	the	the	DET
cblr-2966	181	23	risk	risk	NOUN
cblr-2966	181	24	from	from	ADP
cblr-2966	181	25	any	any	DET
cblr-2966	181	26	one	one	NUM
cblr-2966	181	27	individual	individual	ADJ
cblr-2966	181	28	loan	loan	NOUN
cblr-2966	181	29	while	while	SCONJ
cblr-2966	181	30	making	make	VERB
cblr-2966	181	31	"	"	PUNCT
cblr-2966	181	32	lemons	lemon	NOUN
cblr-2966	181	33	"	"	PUNCT
cblr-2966	181	34	harder	hard	ADJ
cblr-2966	181	35	to	to	PART
cblr-2966	181	36	detect	detect	VERB
cblr-2966	181	37	,	,	PUNCT
cblr-2966	181	38	allowing	allow	VERB
cblr-2966	181	39	predatory	predatory	ADJ
cblr-2966	181	40	lenders	lender	NOUN
cblr-2966	181	41	to	to	PART
cblr-2966	181	42	package	package	VERB
cblr-2966	181	43	predatory	predatory	ADJ
cblr-2966	181	44	loans	loan	NOUN
cblr-2966	181	45	with	with	ADP
cblr-2966	181	46	legitimate	legitimate	ADJ
cblr-2966	181	47	ones	one	NOUN
cblr-2966	181	48	.	.	PUNCT
cblr-2966	182	1	37	37	NUM
cblr-2966	182	2	the	the	DET
cblr-2966	182	3	complexity	complexity	NOUN
cblr-2966	182	4	of	of	ADP
cblr-2966	182	5	securitization	securitization	NOUN
cblr-2966	182	6	is	be	AUX
cblr-2966	182	7	responsible	responsible	ADJ
cblr-2966	182	8	for	for	ADP
cblr-2966	182	9	its	its	PRON
cblr-2966	182	10	success	success	NOUN
cblr-2966	182	11	.	.	PUNCT
cblr-2966	183	1	initially	initially	ADV
cblr-2966	183	2	,	,	PUNCT
cblr-2966	183	3	an	an	DET
cblr-2966	183	4	investment	investment	NOUN
cblr-2966	183	5	bank	bank	NOUN
cblr-2966	183	6	buys	buy	VERB
cblr-2966	183	7	a	a	DET
cblr-2966	183	8	selection	selection	NOUN
cblr-2966	183	9	of	of	ADP
cblr-2966	183	10	subprime	subprime	ADJ
cblr-2966	183	11	loans	loan	NOUN
cblr-2966	183	12	throughout	throughout	ADP
cblr-2966	183	13	the	the	DET
cblr-2966	183	14	country	country	NOUN
cblr-2966	183	15	.	.	PUNCT
cblr-2966	184	1	it	it	PRON
cblr-2966	184	2	pools	pool	VERB
cblr-2966	184	3	the	the	DET
cblr-2966	184	4	loans	loan	NOUN
cblr-2966	184	5	,	,	PUNCT
cblr-2966	184	6	takes	take	VERB
cblr-2966	184	7	the	the	DET
cblr-2966	184	8	receivables	receivables	NOUN
cblr-2966	184	9	from	from	ADP
cblr-2966	184	10	those	those	DET
cblr-2966	184	11	loans	loan	NOUN
cblr-2966	184	12	(	(	PUNCT
cblr-2966	184	13	payments	payment	NOUN
cblr-2966	184	14	)	)	PUNCT
cblr-2966	184	15	,	,	PUNCT
cblr-2966	184	16	and	and	CCONJ
cblr-2966	184	17	converts	convert	VERB
cblr-2966	184	18	the	the	DET
cblr-2966	184	19	cash	cash	NOUN
cblr-2966	184	20	flows	flow	VERB
cblr-2966	184	21	into	into	ADP
cblr-2966	184	22	bonds	bond	NOUN
cblr-2966	184	23	.	.	PUNCT
cblr-2966	185	1	the	the	DET
cblr-2966	185	2	asset	asset	NOUN
cblr-2966	185	3	-	-	PUNCT
cblr-2966	185	4	backed	back	VERB
cblr-2966	185	5	securities	security	NOUN
cblr-2966	185	6	(	(	PUNCT
cblr-2966	185	7	"	"	PUNCT
cblr-2966	185	8	abss	abss	NOUN
cblr-2966	185	9	"	"	PUNCT
cblr-2966	185	10	)	)	PUNCT
cblr-2966	185	11	are	be	AUX
cblr-2966	185	12	then	then	ADV
cblr-2966	185	13	sold	sell	VERB
cblr-2966	185	14	to	to	ADP
cblr-2966	185	15	"	"	PUNCT
cblr-2966	185	16	special	special	ADJ
cblr-2966	185	17	purpose	purpose	NOUN
cblr-2966	185	18	vehicles	vehicle	NOUN
cblr-2966	185	19	"	"	PUNCT
cblr-2966	185	20	(	(	PUNCT
cblr-2966	185	21	"	"	PUNCT
cblr-2966	185	22	spvs	spvs	NOUN
cblr-2966	185	23	"	"	PUNCT
cblr-2966	185	24	)	)	PUNCT
cblr-2966	185	25	who	who	PRON
cblr-2966	185	26	add	add	VERB
cblr-2966	185	27	credit	credit	NOUN
cblr-2966	185	28	enhancements	enhancement	NOUN
cblr-2966	185	29	in	in	ADP
cblr-2966	185	30	both	both	CCONJ
cblr-2966	185	31	external	external	ADJ
cblr-2966	185	32	(	(	PUNCT
cblr-2966	185	33	insurance	insurance	NOUN
cblr-2966	185	34	)	)	PUNCT
cblr-2966	185	35	and	and	CCONJ
cblr-2966	185	36	internal	internal	ADJ
cblr-2966	185	37	(	(	PUNCT
cblr-2966	185	38	"	"	PUNCT
cblr-2966	185	39	tranching	tranche	VERB
cblr-2966	185	40	"	"	PUNCT
cblr-2966	185	41	)	)	PUNCT
cblr-2966	185	42	forms	form	NOUN
cblr-2966	185	43	.	.	PUNCT
cblr-2966	186	1	9	9	NUM
cblr-2966	186	2	tranching	tranching	NOUN
cblr-2966	186	3	refers	refer	VERB
cblr-2966	186	4	to	to	ADP
cblr-2966	186	5	a	a	DET
cblr-2966	186	6	"	"	PUNCT
cblr-2966	186	7	senior	senior	ADJ
cblr-2966	186	8	subordinate	subordinate	ADJ
cblr-2966	186	9	structure	structure	NOUN
cblr-2966	186	10	"	"	PUNCT
cblr-2966	186	11	that	that	PRON
cblr-2966	186	12	should	should	AUX
cblr-2966	186	13	be	be	AUX
cblr-2966	186	14	familiar	familiar	ADJ
cblr-2966	186	15	to	to	ADP
cblr-2966	186	16	any	any	DET
cblr-2966	186	17	preferred	preferred	ADJ
cblr-2966	186	18	stock	stock	NOUN
cblr-2966	186	19	holder.4	holder.4	NOUN
cblr-2966	186	20	"	"	PUNCT
cblr-2966	186	21	next	next	ADV
cblr-2966	186	22	,	,	PUNCT
cblr-2966	186	23	the	the	DET
cblr-2966	186	24	spv	spv	NOUN
cblr-2966	186	25	picks	pick	VERB
cblr-2966	186	26	a	a	DET
cblr-2966	186	27	servicer	servicer	NOUN
cblr-2966	186	28	to	to	PART
cblr-2966	186	29	collect	collect	VERB
cblr-2966	186	30	payments	payment	NOUN
cblr-2966	186	31	from	from	ADP
cblr-2966	186	32	the	the	DET
cblr-2966	186	33	borrowers	borrower	NOUN
cblr-2966	186	34	for	for	ADP
cblr-2966	186	35	transfer	transfer	NOUN
cblr-2966	186	36	"	"	PUNCT
cblr-2966	186	37	which	which	PRON
cblr-2966	186	38	makes	make	VERB
cblr-2966	186	39	sense	sense	NOUN
cblr-2966	186	40	,	,	PUNCT
cblr-2966	186	41	as	as	SCONJ
cblr-2966	186	42	the	the	DET
cblr-2966	186	43	data	datum	NOUN
cblr-2966	186	44	only	only	ADV
cblr-2966	186	45	include	include	VERB
cblr-2966	186	46	those	those	DET
cblr-2966	186	47	loans	loan	NOUN
cblr-2966	186	48	securitized	securitize	VERB
cblr-2966	186	49	in	in	ADP
cblr-2966	186	50	the	the	DET
cblr-2966	186	51	same	same	ADJ
cblr-2966	186	52	year	year	NOUN
cblr-2966	186	53	as	as	SCONJ
cblr-2966	186	54	the	the	DET
cblr-2966	186	55	loan	loan	NOUN
cblr-2966	186	56	was	be	AUX
cblr-2966	186	57	made	make	VERB
cblr-2966	186	58	.	.	PUNCT
cblr-2966	187	1	while	while	SCONJ
cblr-2966	187	2	often	often	ADV
cblr-2966	187	3	these	these	PRON
cblr-2966	187	4	happen	happen	VERB
cblr-2966	187	5	quickly	quickly	ADV
cblr-2966	187	6	,	,	PUNCT
cblr-2966	187	7	one	one	PRON
cblr-2966	187	8	can	can	AUX
cblr-2966	187	9	imagine	imagine	VERB
cblr-2966	187	10	the	the	DET
cblr-2966	187	11	case	case	NOUN
cblr-2966	187	12	where	where	SCONJ
cblr-2966	187	13	it	it	PRON
cblr-2966	187	14	does	do	VERB
cblr-2966	187	15	not	not	PART
cblr-2966	187	16	.	.	PUNCT
cblr-2966	188	1	36	36	NUM
cblr-2966	188	2	see	see	VERB
cblr-2966	188	3	kathleen	kathleen	PROPN
cblr-2966	188	4	c.	c.	PROPN
cblr-2966	188	5	engel	engel	PROPN
cblr-2966	188	6	&	&	CCONJ
cblr-2966	188	7	patricia	patricia	PROPN
cblr-2966	188	8	a.	a.	PROPN
cblr-2966	188	9	mccoy	mccoy	PROPN
cblr-2966	188	10	,	,	PUNCT
cblr-2966	188	11	a	a	DET
cblr-2966	188	12	tale	tale	NOUN
cblr-2966	188	13	of	of	ADP
cblr-2966	188	14	three	three	NUM
cblr-2966	188	15	markets	market	NOUN
cblr-2966	188	16	:	:	PUNCT
cblr-2966	188	17	the	the	DET
cblr-2966	188	18	law	law	NOUN
cblr-2966	188	19	and	and	CCONJ
cblr-2966	188	20	economics	economic	NOUN
cblr-2966	188	21	of	of	ADP
cblr-2966	188	22	predatory	predatory	ADJ
cblr-2966	188	23	lending	lending	NOUN
cblr-2966	188	24	,	,	PUNCT
cblr-2966	188	25	80	80	NUM
cblr-2966	188	26	tex	tex	PROPN
cblr-2966	188	27	.	.	PROPN
cblr-2966	188	28	l.	l.	PROPN
cblr-2966	188	29	rev	rev	PROPN
cblr-2966	188	30	.	.	PROPN
cblr-2966	188	31	1255	1255	NUM
cblr-2966	188	32	,	,	PUNCT
cblr-2966	188	33	1274	1274	NUM
cblr-2966	188	34	(	(	PUNCT
cblr-2966	188	35	2002	2002	NUM
cblr-2966	188	36	)	)	PUNCT
cblr-2966	188	37	;	;	PUNCT
cblr-2966	188	38	peterson	peterson	PROPN
cblr-2966	188	39	,	,	PUNCT
cblr-2966	188	40	supra	supra	PROPN
cblr-2966	188	41	note	note	PROPN
cblr-2966	188	42	34	34	NUM
cblr-2966	188	43	,	,	PUNCT
cblr-2966	188	44	at	at	ADP
cblr-2966	188	45	2200	2200	NUM
cblr-2966	188	46	-	-	SYM
cblr-2966	188	47	07	07	NUM
cblr-2966	188	48	;	;	PUNCT
cblr-2966	188	49	david	david	PROPN
cblr-2966	188	50	reiss	reiss	PROPN
cblr-2966	188	51	,	,	PUNCT
cblr-2966	188	52	subprime	subprime	ADJ
cblr-2966	188	53	securitization	securitization	NOUN
cblr-2966	188	54	:	:	PUNCT
cblr-2966	188	55	how	how	SCONJ
cblr-2966	188	56	rating	rating	NOUN
cblr-2966	188	57	agencies	agency	NOUN
cblr-2966	188	58	allow	allow	VERB
cblr-2966	188	59	predatory	predatory	NOUN
cblr-2966	188	60	lending	lending	NOUN
cblr-2966	188	61	to	to	PART
cblr-2966	188	62	flourish	flourish	VERB
cblr-2966	188	63	in	in	ADP
cblr-2966	188	64	the	the	DET
cblr-2966	188	65	secondary	secondary	ADJ
cblr-2966	188	66	mortgage	mortgage	NOUN
cblr-2966	188	67	market	market	NOUN
cblr-2966	188	68	,	,	PUNCT
cblr-2966	188	69	33	33	NUM
cblr-2966	188	70	fla	fla	NOUN
cblr-2966	188	71	.	.	PUNCT
cblr-2966	189	1	st	st	PROPN
cblr-2966	189	2	.	.	PROPN
cblr-2966	189	3	u.	u.	PROPN
cblr-2966	189	4	l.	l.	PROPN
cblr-2966	189	5	rev	rev	PROPN
cblr-2966	189	6	.	.	PROPN
cblr-2966	189	7	985	985	NUM
cblr-2966	189	8	,	,	PUNCT
cblr-2966	189	9	1001	1001	NUM
cblr-2966	189	10	-	-	SYM
cblr-2966	189	11	02	02	NUM
cblr-2966	189	12	(	(	PUNCT
cblr-2966	189	13	2006	2006	NUM
cblr-2966	189	14	)	)	PUNCT
cblr-2966	189	15	;	;	PUNCT
cblr-2966	189	16	silverman	silverman	NOUN
cblr-2966	189	17	,	,	PUNCT
cblr-2966	189	18	supra	supra	PROPN
cblr-2966	189	19	note	note	PROPN
cblr-2966	189	20	13	13	NUM
cblr-2966	189	21	,	,	PUNCT
cblr-2966	189	22	at	at	ADP
cblr-2966	189	23	537	537	NUM
cblr-2966	189	24	.	.	PUNCT
cblr-2966	189	25	"	"	PUNCT
cblr-2966	190	1	for	for	ADP
cblr-2966	190	2	a	a	DET
cblr-2966	190	3	more	more	ADV
cblr-2966	190	4	thorough	thorough	ADJ
cblr-2966	190	5	overview	overview	NOUN
cblr-2966	190	6	of	of	ADP
cblr-2966	190	7	the	the	DET
cblr-2966	190	8	subprime	subprime	ADJ
cblr-2966	190	9	lending	lending	NOUN
cblr-2966	190	10	process	process	NOUN
cblr-2966	190	11	,	,	PUNCT
cblr-2966	190	12	see	see	VERB
cblr-2966	190	13	azmy	azmy	PROPN
cblr-2966	190	14	,	,	PUNCT
cblr-2966	190	15	supra	supra	PROPN
cblr-2966	190	16	note	note	PROPN
cblr-2966	190	17	19	19	NUM
cblr-2966	190	18	;	;	PUNCT
cblr-2966	190	19	bostic	bostic	PROPN
cblr-2966	190	20	et	et	PROPN
cblr-2966	190	21	al	al	PROPN
cblr-2966	190	22	.	.	PROPN
cblr-2966	190	23	,	,	PUNCT
cblr-2966	190	24	supra	supra	PROPN
cblr-2966	190	25	note	note	PROPN
cblr-2966	190	26	7	7	NUM
cblr-2966	190	27	;	;	PUNCT
cblr-2966	190	28	engel	engel	PROPN
cblr-2966	190	29	&	&	CCONJ
cblr-2966	190	30	mccoy	mccoy	PROPN
cblr-2966	190	31	,	,	PUNCT
cblr-2966	190	32	supra	supra	PROPN
cblr-2966	190	33	note	note	PROPN
cblr-2966	190	34	25	25	NUM
cblr-2966	190	35	;	;	PUNCT
cblr-2966	190	36	reiss	reiss	PROPN
cblr-2966	190	37	,	,	PUNCT
cblr-2966	190	38	supra	supra	PROPN
cblr-2966	190	39	note	note	NOUN
cblr-2966	190	40	36	36	NUM
cblr-2966	190	41	.	.	PUNCT
cblr-2966	191	1	38	38	NUM
cblr-2966	191	2	engel	engel	PROPN
cblr-2966	191	3	&	&	CCONJ
cblr-2966	191	4	mccoy	mccoy	PROPN
cblr-2966	191	5	,	,	PUNCT
cblr-2966	191	6	supra	supra	PROPN
cblr-2966	191	7	note	note	PROPN
cblr-2966	191	8	25	25	NUM
cblr-2966	191	9	,	,	PUNCT
cblr-2966	191	10	at	at	ADP
cblr-2966	191	11	2045	2045	NUM
cblr-2966	191	12	.	.	PUNCT
cblr-2966	192	1	9	9	NUM
cblr-2966	192	2	see	see	VERB
cblr-2966	192	3	engel	engel	PROPN
cblr-2966	192	4	&	&	CCONJ
cblr-2966	192	5	mccoy	mccoy	PROPN
cblr-2966	192	6	,	,	PUNCT
cblr-2966	192	7	supra	supra	PROPN
cblr-2966	192	8	note	note	PROPN
cblr-2966	192	9	25	25	NUM
cblr-2966	192	10	,	,	PUNCT
cblr-2966	192	11	at	at	ADP
cblr-2966	192	12	2045	2045	NUM
cblr-2966	192	13	;	;	PUNCT
cblr-2966	192	14	reiss	reiss	PROPN
cblr-2966	192	15	,	,	PUNCT
cblr-2966	192	16	supra	supra	PROPN
cblr-2966	192	17	note	note	NOUN
cblr-2966	192	18	36	36	NUM
cblr-2966	192	19	,	,	PUNCT
cblr-2966	192	20	at	at	ADP
cblr-2966	192	21	1003	1003	NUM
cblr-2966	192	22	.	.	PUNCT
cblr-2966	193	1	this	this	DET
cblr-2966	193	2	transfer	transfer	NOUN
cblr-2966	193	3	ensures	ensure	VERB
cblr-2966	193	4	protection	protection	NOUN
cblr-2966	193	5	of	of	ADP
cblr-2966	193	6	the	the	DET
cblr-2966	193	7	investor	investor	NOUN
cblr-2966	193	8	from	from	ADP
cblr-2966	193	9	claims	claim	NOUN
cblr-2966	193	10	by	by	ADP
cblr-2966	193	11	a	a	DET
cblr-2966	193	12	creditor	creditor	NOUN
cblr-2966	193	13	against	against	ADP
cblr-2966	193	14	the	the	DET
cblr-2966	193	15	bank	bank	NOUN
cblr-2966	193	16	,	,	PUNCT
cblr-2966	193	17	because	because	SCONJ
cblr-2966	193	18	the	the	DET
cblr-2966	193	19	bank	bank	NOUN
cblr-2966	193	20	no	no	ADV
cblr-2966	193	21	longer	long	ADV
cblr-2966	193	22	holds	hold	VERB
cblr-2966	193	23	the	the	DET
cblr-2966	193	24	assets	asset	NOUN
cblr-2966	193	25	.	.	PUNCT
cblr-2966	194	1	when	when	SCONJ
cblr-2966	194	2	combined	combine	VERB
cblr-2966	194	3	with	with	ADP
cblr-2966	194	4	the	the	DET
cblr-2966	194	5	"	"	PUNCT
cblr-2966	194	6	holder	holder	NOUN
cblr-2966	194	7	in	in	ADP
cblr-2966	194	8	due	due	ADJ
cblr-2966	194	9	course	course	NOUN
cblr-2966	194	10	"	"	PUNCT
cblr-2966	194	11	rule	rule	NOUN
cblr-2966	194	12	discussed	discuss	VERB
cblr-2966	194	13	infra	infra	NOUN
cblr-2966	194	14	,	,	PUNCT
cblr-2966	194	15	it	it	PRON
cblr-2966	194	16	makes	make	VERB
cblr-2966	194	17	the	the	DET
cblr-2966	194	18	actual	actual	ADJ
cblr-2966	194	19	money	money	NOUN
cblr-2966	194	20	paid	pay	VERB
cblr-2966	194	21	out	out	ADP
cblr-2966	194	22	of	of	ADP
cblr-2966	194	23	the	the	DET
cblr-2966	194	24	loan	loan	NOUN
cblr-2966	194	25	untouchable	untouchable	ADJ
cblr-2966	194	26	by	by	ADP
cblr-2966	194	27	the	the	DET
cblr-2966	194	28	borrower	borrower	NOUN
cblr-2966	194	29	.	.	PUNCT
cblr-2966	195	1	40	40	NUM
cblr-2966	195	2	essentially	essentially	ADV
cblr-2966	195	3	,	,	PUNCT
cblr-2966	195	4	tranching	tranche	VERB
cblr-2966	195	5	ranks	rank	VERB
cblr-2966	195	6	the	the	DET
cblr-2966	195	7	bonds	bond	NOUN
cblr-2966	195	8	from	from	ADP
cblr-2966	195	9	"	"	PUNCT
cblr-2966	195	10	aaa	aaa	NOUN
cblr-2966	195	11	"	"	PUNCT
cblr-2966	195	12	to	to	ADP
cblr-2966	195	13	"	"	PUNCT
cblr-2966	195	14	b	b	NOUN
cblr-2966	195	15	"	"	PUNCT
cblr-2966	195	16	with	with	ADP
cblr-2966	195	17	"	"	PUNCT
cblr-2966	195	18	aaa	aaa	NOUN
cblr-2966	195	19	"	"	PUNCT
cblr-2966	195	20	being	be	AUX
cblr-2966	195	21	the	the	DET
cblr-2966	195	22	first	first	ADJ
cblr-2966	195	23	to	to	PART
cblr-2966	195	24	receive	receive	VERB
cblr-2966	195	25	payment	payment	NOUN
cblr-2966	195	26	,	,	PUNCT
cblr-2966	195	27	and	and	CCONJ
cblr-2966	195	28	then	then	ADV
cblr-2966	195	29	"	"	PUNCT
cblr-2966	195	30	aa	aa	INTJ
cblr-2966	195	31	,	,	PUNCT
cblr-2966	195	32	"	"	PUNCT
cblr-2966	195	33	and	and	CCONJ
cblr-2966	195	34	so	so	ADV
cblr-2966	195	35	on	on	ADV
cblr-2966	195	36	.	.	PUNCT
cblr-2966	196	1	see	see	VERB
cblr-2966	196	2	engel	engel	PROPN
cblr-2966	196	3	&	&	CCONJ
cblr-2966	196	4	mccoy	mccoy	PROPN
cblr-2966	196	5	,	,	PUNCT
cblr-2966	196	6	supra	supra	PROPN
cblr-2966	196	7	note	note	PROPN
cblr-2966	196	8	25	25	NUM
cblr-2966	196	9	,	,	PUNCT
cblr-2966	196	10	at	at	ADP
cblr-2966	196	11	2046	2046	NUM
cblr-2966	196	12	.	.	PUNCT
cblr-2966	197	1	no	no	INTJ
cblr-2966	197	2	.	.	PUNCT
cblr-2966	198	1	3:1021	3:1021	NUM
cblr-2966	198	2	]	]	X
cblr-2966	199	1	rethinking	rethink	VERB
cblr-2966	199	2	assignee	assignee	NOUN
cblr-2966	199	3	liability	liability	NOUN
cblr-2966	199	4	columbia	columbia	PROPN
cblr-2966	199	5	business	business	PROPN
cblr-2966	199	6	la	la	PROPN
cblr-2966	199	7	w	w	PROPN
cblr-2966	199	8	review	review	NOUN
cblr-2966	199	9	to	to	ADP
cblr-2966	199	10	the	the	DET
cblr-2966	199	11	trust	trust	NOUN
cblr-2966	199	12	and	and	CCONJ
cblr-2966	199	13	subsequent	subsequent	ADJ
cblr-2966	199	14	payment	payment	NOUN
cblr-2966	199	15	to	to	ADP
cblr-2966	199	16	investors.4	investors.4	PROPN
cblr-2966	199	17	then	then	ADV
cblr-2966	199	18	,	,	PUNCT
cblr-2966	199	19	a	a	DET
cblr-2966	199	20	rating	rating	NOUN
cblr-2966	199	21	agency	agency	NOUN
cblr-2966	199	22	rates	rate	VERB
cblr-2966	199	23	the	the	DET
cblr-2966	199	24	bonds	bond	NOUN
cblr-2966	199	25	based	base	VERB
cblr-2966	199	26	on	on	ADP
cblr-2966	199	27	a	a	DET
cblr-2966	199	28	cursory	cursory	NOUN
cblr-2966	199	29	,	,	PUNCT
cblr-2966	199	30	possibly	possibly	ADV
cblr-2966	199	31	fraudulent	fraudulent	ADJ
cblr-2966	199	32	,	,	PUNCT
cblr-2966	199	33	review	review	NOUN
cblr-2966	199	34	of	of	ADP
cblr-2966	199	35	the	the	DET
cblr-2966	199	36	underlying	underlying	ADJ
cblr-2966	199	37	mortgages.42	mortgages.42	NOUN
cblr-2966	199	38	finally	finally	ADV
cblr-2966	199	39	,	,	PUNCT
cblr-2966	199	40	the	the	DET
cblr-2966	199	41	spv	spv	NOUN
cblr-2966	199	42	makes	make	VERB
cblr-2966	199	43	the	the	DET
cblr-2966	199	44	bonds	bond	NOUN
cblr-2966	199	45	available	available	ADJ
cblr-2966	199	46	to	to	ADP
cblr-2966	199	47	the	the	DET
cblr-2966	199	48	market	market	NOUN
cblr-2966	199	49	for	for	SCONJ
cblr-2966	199	50	investors	investor	NOUN
cblr-2966	199	51	to	to	PART
cblr-2966	199	52	purchase	purchase	VERB
cblr-2966	199	53	.	.	PUNCT
cblr-2966	200	1	the	the	DET
cblr-2966	200	2	worst	bad	ADJ
cblr-2966	200	3	of	of	ADP
cblr-2966	200	4	the	the	DET
cblr-2966	200	5	tranches	tranche	NOUN
cblr-2966	200	6	,	,	PUNCT
cblr-2966	200	7	those	those	PRON
cblr-2966	200	8	at	at	ADP
cblr-2966	200	9	the	the	DET
cblr-2966	200	10	bottom	bottom	NOUN
cblr-2966	200	11	of	of	ADP
cblr-2966	200	12	the	the	DET
cblr-2966	200	13	subordinate	subordinate	ADJ
cblr-2966	200	14	structure	structure	NOUN
cblr-2966	200	15	,	,	PUNCT
cblr-2966	200	16	are	be	AUX
cblr-2966	200	17	often	often	ADV
cblr-2966	200	18	pooled	pool	VERB
cblr-2966	200	19	together	together	ADV
cblr-2966	200	20	with	with	ADP
cblr-2966	200	21	similar	similar	ADJ
cblr-2966	200	22	tranches	tranche	NOUN
cblr-2966	200	23	from	from	ADP
cblr-2966	200	24	other	other	ADJ
cblr-2966	200	25	pools	pool	NOUN
cblr-2966	200	26	of	of	ADP
cblr-2966	200	27	bonds	bond	NOUN
cblr-2966	200	28	.	.	PUNCT
cblr-2966	201	1	these	these	DET
cblr-2966	201	2	"	"	PUNCT
cblr-2966	201	3	collateralized	collateralized	ADJ
cblr-2966	201	4	debt	debt	NOUN
cblr-2966	201	5	obligations	obligation	NOUN
cblr-2966	201	6	"	"	PUNCT
cblr-2966	201	7	(	(	PUNCT
cblr-2966	201	8	"	"	PUNCT
cblr-2966	201	9	cdos	cdo	NOUN
cblr-2966	201	10	"	"	PUNCT
cblr-2966	201	11	)	)	PUNCT
cblr-2966	201	12	are	be	AUX
cblr-2966	201	13	usually	usually	ADV
cblr-2966	201	14	sold	sell	VERB
cblr-2966	201	15	to	to	ADP
cblr-2966	201	16	overseas	overseas	ADJ
cblr-2966	201	17	investors.43	investors.43	PROPN
cblr-2966	201	18	investors	investor	NOUN
cblr-2966	201	19	buy	buy	VERB
cblr-2966	201	20	many	many	ADJ
cblr-2966	201	21	bonds	bond	NOUN
cblr-2966	201	22	with	with	ADP
cblr-2966	201	23	little	little	ADJ
cblr-2966	201	24	to	to	ADP
cblr-2966	201	25	no	no	DET
cblr-2966	201	26	information	information	NOUN
cblr-2966	201	27	about	about	ADP
cblr-2966	201	28	the	the	DET
cblr-2966	201	29	underlying	underlie	VERB
cblr-2966	201	30	loans	loan	NOUN
cblr-2966	201	31	.	.	PUNCT
cblr-2966	202	1	these	these	DET
cblr-2966	202	2	securities	security	NOUN
cblr-2966	202	3	were	be	AUX
cblr-2966	202	4	initially	initially	ADV
cblr-2966	202	5	so	so	ADV
cblr-2966	202	6	popular	popular	ADJ
cblr-2966	202	7	that	that	SCONJ
cblr-2966	202	8	they	they	PRON
cblr-2966	202	9	were	be	AUX
cblr-2966	202	10	even	even	ADV
cblr-2966	202	11	sold	sell	VERB
cblr-2966	202	12	on	on	ADP
cblr-2966	202	13	a	a	DET
cblr-2966	202	14	"	"	PUNCT
cblr-2966	202	15	to	to	PART
cblr-2966	202	16	be	be	AUX
cblr-2966	202	17	announced	announce	VERB
cblr-2966	202	18	"	"	PUNCT
cblr-2966	202	19	basis.44	basis.44	NOUN
cblr-2966	202	20	the	the	DET
cblr-2966	202	21	housing	housing	NOUN
cblr-2966	202	22	bubble	bubble	NOUN
cblr-2966	202	23	made	make	VERB
cblr-2966	202	24	abss	abss	ADP
cblr-2966	202	25	an	an	DET
cblr-2966	202	26	unmatched	unmatched	ADJ
cblr-2966	202	27	investment	investment	NOUN
cblr-2966	202	28	vehicle	vehicle	NOUN
cblr-2966	202	29	because	because	SCONJ
cblr-2966	202	30	even	even	ADV
cblr-2966	202	31	the	the	DET
cblr-2966	202	32	riskiest	risky	ADJ
cblr-2966	202	33	loans	loan	NOUN
cblr-2966	202	34	avoided	avoid	VERB
cblr-2966	202	35	foreclosure	foreclosure	NOUN
cblr-2966	202	36	.	.	PUNCT
cblr-2966	203	1	as	as	SCONJ
cblr-2966	203	2	housing	housing	NOUN
cblr-2966	203	3	prices	price	NOUN
cblr-2966	203	4	appreciated	appreciate	VERB
cblr-2966	203	5	-	-	PUNCT
cblr-2966	203	6	thus	thus	ADV
cblr-2966	203	7	generating	generate	VERB
cblr-2966	203	8	new	new	ADJ
cblr-2966	203	9	equity	equity	NOUN
cblr-2966	203	10	-	-	PUNCT
cblr-2966	203	11	loans	loan	NOUN
cblr-2966	203	12	were	be	AUX
cblr-2966	203	13	extended	extend	VERB
cblr-2966	203	14	to	to	ADP
cblr-2966	203	15	families	family	NOUN
cblr-2966	203	16	who	who	PRON
cblr-2966	203	17	could	could	AUX
cblr-2966	203	18	not	not	PART
cblr-2966	203	19	possibly	possibly	ADV
cblr-2966	203	20	afford	afford	VERB
cblr-2966	203	21	them	they	PRON
cblr-2966	203	22	.	.	PUNCT
cblr-2966	204	1	these	these	DET
cblr-2966	204	2	loans	loan	NOUN
cblr-2966	204	3	were	be	AUX
cblr-2966	204	4	then	then	ADV
cblr-2966	204	5	refinanced	refinance	VERB
cblr-2966	204	6	as	as	SCONJ
cblr-2966	204	7	the	the	DET
cblr-2966	204	8	price	price	NOUN
cblr-2966	204	9	of	of	ADP
cblr-2966	204	10	the	the	DET
cblr-2966	204	11	home	home	NOUN
cblr-2966	204	12	increased	increase	VERB
cblr-2966	204	13	,	,	PUNCT
cblr-2966	204	14	taking	take	VERB
cblr-2966	204	15	the	the	DET
cblr-2966	204	16	appreciated	appreciated	ADJ
cblr-2966	204	17	equity	equity	NOUN
cblr-2966	204	18	immediately	immediately	ADV
cblr-2966	204	19	before	before	ADP
cblr-2966	204	20	default	default	NOUN
cblr-2966	204	21	and	and	CCONJ
cblr-2966	204	22	continuing	continue	VERB
cblr-2966	204	23	payments	payment	NOUN
cblr-2966	204	24	to	to	PART
cblr-2966	204	25	investors.45	investors.45	VERB
cblr-2966	204	26	the	the	DET
cblr-2966	204	27	subsequent	subsequent	ADJ
cblr-2966	204	28	high	high	ADJ
cblr-2966	204	29	investor	investor	NOUN
cblr-2966	204	30	demand	demand	NOUN
cblr-2966	204	31	and	and	CCONJ
cblr-2966	204	32	separation	separation	NOUN
cblr-2966	204	33	from	from	ADP
cblr-2966	204	34	risk	risk	NOUN
cblr-2966	204	35	,	,	PUNCT
cblr-2966	204	36	combined	combine	VERB
cblr-2966	204	37	with	with	ADP
cblr-2966	204	38	questionable	questionable	ADJ
cblr-2966	204	39	oversight	oversight	NOUN
cblr-2966	204	40	4	4	NUM
cblr-2966	204	41	"	"	PUNCT
cblr-2966	204	42	see	see	VERB
cblr-2966	204	43	engel	engel	PROPN
cblr-2966	204	44	&	&	CCONJ
cblr-2966	204	45	mccoy	mccoy	PROPN
cblr-2966	204	46	,	,	PUNCT
cblr-2966	204	47	supra	supra	PROPN
cblr-2966	204	48	note	note	PROPN
cblr-2966	204	49	36	36	NUM
cblr-2966	204	50	,	,	PUNCT
cblr-2966	204	51	at	at	ADP
cblr-2966	204	52	1274	1274	NUM
cblr-2966	204	53	.	.	PUNCT
cblr-2966	205	1	often	often	ADV
cblr-2966	205	2	the	the	DET
cblr-2966	205	3	original	original	ADJ
cblr-2966	205	4	lender	lender	NOUN
cblr-2966	205	5	,	,	PUNCT
cblr-2966	205	6	who	who	PRON
cblr-2966	205	7	no	no	ADV
cblr-2966	205	8	longer	long	ADV
cblr-2966	205	9	holds	hold	VERB
cblr-2966	205	10	the	the	DET
cblr-2966	205	11	loan	loan	NOUN
cblr-2966	205	12	,	,	PUNCT
cblr-2966	205	13	is	be	AUX
cblr-2966	205	14	chosen	choose	VERB
cblr-2966	205	15	to	to	PART
cblr-2966	205	16	be	be	AUX
cblr-2966	205	17	the	the	DET
cblr-2966	205	18	servicer	servicer	NOUN
cblr-2966	205	19	.	.	PUNCT
cblr-2966	206	1	this	this	PRON
cblr-2966	206	2	can	can	AUX
cblr-2966	206	3	be	be	AUX
cblr-2966	206	4	especially	especially	ADV
cblr-2966	206	5	lucrative	lucrative	ADJ
cblr-2966	206	6	to	to	ADP
cblr-2966	206	7	the	the	DET
cblr-2966	206	8	lender	lender	NOUN
cblr-2966	206	9	,	,	PUNCT
cblr-2966	206	10	who	who	PRON
cblr-2966	206	11	receives	receive	VERB
cblr-2966	206	12	a	a	DET
cblr-2966	206	13	fee	fee	NOUN
cblr-2966	206	14	for	for	ADP
cblr-2966	206	15	this	this	DET
cblr-2966	206	16	service	service	NOUN
cblr-2966	206	17	.	.	PUNCT
cblr-2966	207	1	the	the	DET
cblr-2966	207	2	origniator	origniator	NOUN
cblr-2966	207	3	gets	get	VERB
cblr-2966	207	4	not	not	PART
cblr-2966	207	5	only	only	ADV
cblr-2966	207	6	the	the	DET
cblr-2966	207	7	money	money	NOUN
cblr-2966	207	8	from	from	ADP
cblr-2966	207	9	selling	sell	VERB
cblr-2966	207	10	the	the	DET
cblr-2966	207	11	loan	loan	NOUN
cblr-2966	207	12	,	,	PUNCT
cblr-2966	207	13	but	but	CCONJ
cblr-2966	207	14	also	also	ADV
cblr-2966	207	15	gets	get	AUX
cblr-2966	207	16	paid	pay	VERB
cblr-2966	207	17	to	to	PART
cblr-2966	207	18	service	service	VERB
cblr-2966	207	19	the	the	DET
cblr-2966	207	20	loan	loan	NOUN
cblr-2966	207	21	.	.	PUNCT
cblr-2966	208	1	42	42	NUM
cblr-2966	208	2	see	see	VERB
cblr-2966	208	3	engel	engel	PROPN
cblr-2966	208	4	&	&	CCONJ
cblr-2966	208	5	mccoy	mccoy	PROPN
cblr-2966	208	6	,	,	PUNCT
cblr-2966	208	7	supra	supra	PROPN
cblr-2966	208	8	note	note	PROPN
cblr-2966	208	9	36	36	NUM
cblr-2966	208	10	.	.	PUNCT
cblr-2966	209	1	the	the	DET
cblr-2966	209	2	rating	rating	NOUN
cblr-2966	209	3	agency	agency	NOUN
cblr-2966	209	4	may	may	AUX
cblr-2966	209	5	require	require	VERB
cblr-2966	209	6	further	further	ADJ
cblr-2966	209	7	credit	credit	NOUN
cblr-2966	209	8	enhancement	enhancement	NOUN
cblr-2966	209	9	in	in	ADP
cblr-2966	209	10	the	the	DET
cblr-2966	209	11	form	form	NOUN
cblr-2966	209	12	of	of	ADP
cblr-2966	209	13	more	more	ADJ
cblr-2966	209	14	tranching	tranching	NOUN
cblr-2966	209	15	or	or	CCONJ
cblr-2966	209	16	more	more	ADJ
cblr-2966	209	17	insurance	insurance	NOUN
cblr-2966	209	18	.	.	PUNCT
cblr-2966	210	1	typically	typically	ADV
cblr-2966	210	2	the	the	DET
cblr-2966	210	3	rating	rating	NOUN
cblr-2966	210	4	agencies	agency	NOUN
cblr-2966	210	5	rate	rate	VERB
cblr-2966	210	6	four	four	NUM
cblr-2966	210	7	aspects	aspect	NOUN
cblr-2966	210	8	:	:	PUNCT
cblr-2966	210	9	qualitative	qualitative	NOUN
cblr-2966	210	10	,	,	PUNCT
cblr-2966	210	11	quantitative	quantitative	ADJ
cblr-2966	210	12	,	,	PUNCT
cblr-2966	210	13	servicing	servicing	NOUN
cblr-2966	210	14	,	,	PUNCT
cblr-2966	210	15	and	and	CCONJ
cblr-2966	210	16	legal	legal	ADJ
cblr-2966	210	17	risk	risk	NOUN
cblr-2966	210	18	.	.	PUNCT
cblr-2966	211	1	reiss	reiss	PROPN
cblr-2966	211	2	,	,	PUNCT
cblr-2966	211	3	supra	supra	PROPN
cblr-2966	211	4	note	note	PROPN
cblr-2966	211	5	36	36	NUM
cblr-2966	211	6	,	,	PUNCT
cblr-2966	211	7	at	at	ADP
cblr-2966	211	8	1014	1014	NUM
cblr-2966	211	9	.	.	PUNCT
cblr-2966	212	1	there	there	PRON
cblr-2966	212	2	is	be	VERB
cblr-2966	212	3	significant	significant	ADJ
cblr-2966	212	4	evidence	evidence	NOUN
cblr-2966	212	5	that	that	SCONJ
cblr-2966	212	6	rating	rating	NOUN
cblr-2966	212	7	agencies	agency	NOUN
cblr-2966	212	8	,	,	PUNCT
cblr-2966	212	9	who	who	PRON
cblr-2966	212	10	have	have	VERB
cblr-2966	212	11	little	little	ADJ
cblr-2966	212	12	incentive	incentive	NOUN
cblr-2966	212	13	to	to	PART
cblr-2966	212	14	rate	rate	VERB
cblr-2966	212	15	tranches	tranche	NOUN
cblr-2966	212	16	lowly	lowly	ADJ
cblr-2966	212	17	(	(	PUNCT
cblr-2966	212	18	as	as	SCONJ
cblr-2966	212	19	they	they	PRON
cblr-2966	212	20	are	be	AUX
cblr-2966	212	21	paid	pay	VERB
cblr-2966	212	22	by	by	ADP
cblr-2966	212	23	the	the	DET
cblr-2966	212	24	banks	bank	NOUN
cblr-2966	212	25	)	)	PUNCT
cblr-2966	212	26	,	,	PUNCT
cblr-2966	212	27	were	be	AUX
cblr-2966	212	28	doing	do	VERB
cblr-2966	212	29	a	a	DET
cblr-2966	212	30	completely	completely	ADV
cblr-2966	212	31	inadequate	inadequate	ADJ
cblr-2966	212	32	,	,	PUNCT
cblr-2966	212	33	and	and	CCONJ
cblr-2966	212	34	possibly	possibly	ADV
cblr-2966	212	35	fraudulent	fraudulent	ADJ
cblr-2966	212	36	,	,	PUNCT
cblr-2966	212	37	review	review	NOUN
cblr-2966	212	38	.	.	PUNCT
cblr-2966	213	1	see	see	VERB
cblr-2966	213	2	aaasking	aaaske	VERB
cblr-2966	213	3	for	for	ADP
cblr-2966	213	4	trouble	trouble	NOUN
cblr-2966	213	5	;	;	PUNCT
cblr-2966	213	6	debt	debt	NOUN
cblr-2966	213	7	ratings	rating	NOUN
cblr-2966	213	8	,	,	PUNCT
cblr-2966	213	9	economist	economist	NOUN
cblr-2966	213	10	,	,	PUNCT
cblr-2966	213	11	july	july	PROPN
cblr-2966	213	12	14	14	NUM
cblr-2966	213	13	,	,	PUNCT
cblr-2966	213	14	2007	2007	NUM
cblr-2966	213	15	,	,	PUNCT
cblr-2966	213	16	at	at	ADP
cblr-2966	213	17	83	83	NUM
cblr-2966	213	18	.	.	PUNCT
cblr-2966	214	1	collateralized	collateralize	VERB
cblr-2966	214	2	debt	debt	NOUN
cblr-2966	214	3	obligations	obligation	NOUN
cblr-2966	214	4	,	,	PUNCT
cblr-2966	214	5	(	(	PUNCT
cblr-2966	214	6	"	"	PUNCT
cblr-2966	214	7	cdos	cdo	NOUN
cblr-2966	214	8	"	"	PUNCT
cblr-2966	214	9	)	)	PUNCT
cblr-2966	214	10	,	,	PUNCT
cblr-2966	214	11	the	the	DET
cblr-2966	214	12	worst	bad	ADJ
cblr-2966	214	13	of	of	ADP
cblr-2966	214	14	the	the	DET
cblr-2966	214	15	abss	abss	NOUN
cblr-2966	214	16	,	,	PUNCT
cblr-2966	214	17	made	make	VERB
cblr-2966	214	18	up	up	ADP
cblr-2966	214	19	roughly	roughly	ADV
cblr-2966	214	20	40	40	NUM
cblr-2966	214	21	%	%	NOUN
cblr-2966	214	22	of	of	ADP
cblr-2966	214	23	rating	rating	NOUN
cblr-2966	214	24	agency	agency	NOUN
cblr-2966	214	25	moody	moody	PROPN
cblr-2966	214	26	's	's	PART
cblr-2966	214	27	profits	profit	NOUN
cblr-2966	214	28	in	in	ADP
cblr-2966	214	29	2006	2006	NUM
cblr-2966	214	30	.	.	PUNCT
cblr-2966	215	1	see	see	VERB
cblr-2966	215	2	i	i	PRON
cblr-2966	215	3	d.	d.	PROPN
cblr-2966	215	4	43	43	NUM
cblr-2966	215	5	see	see	VERB
cblr-2966	215	6	engel	engel	PROPN
cblr-2966	215	7	&	&	CCONJ
cblr-2966	215	8	mccoy	mccoy	PROPN
cblr-2966	215	9	,	,	PUNCT
cblr-2966	215	10	supra	supra	PROPN
cblr-2966	215	11	note	note	PROPN
cblr-2966	215	12	25	25	NUM
cblr-2966	215	13	,	,	PUNCT
cblr-2966	215	14	at	at	ADP
cblr-2966	215	15	2066	2066	NUM
cblr-2966	215	16	-	-	SYM
cblr-2966	215	17	68	68	NUM
cblr-2966	215	18	.	.	PUNCT
cblr-2966	216	1	it	it	PRON
cblr-2966	216	2	should	should	AUX
cblr-2966	216	3	come	come	VERB
cblr-2966	216	4	as	as	ADP
cblr-2966	216	5	no	no	DET
cblr-2966	216	6	surprise	surprise	NOUN
cblr-2966	216	7	that	that	SCONJ
cblr-2966	216	8	countries	country	NOUN
cblr-2966	216	9	everywhere	everywhere	ADV
cblr-2966	216	10	are	be	AUX
cblr-2966	216	11	concerned	concern	VERB
cblr-2966	216	12	by	by	ADP
cblr-2966	216	13	the	the	DET
cblr-2966	216	14	american	american	ADJ
cblr-2966	216	15	foreclosure	foreclosure	NOUN
cblr-2966	216	16	plight	plight	NOUN
cblr-2966	216	17	.	.	PUNCT
cblr-2966	216	18	'	'	PUNCT
cblr-2966	217	1	see	see	VERB
cblr-2966	217	2	engel	engel	PROPN
cblr-2966	217	3	&	&	CCONJ
cblr-2966	217	4	mccoy	mccoy	PROPN
cblr-2966	217	5	,	,	PUNCT
cblr-2966	217	6	supra	supra	PROPN
cblr-2966	217	7	note	note	PROPN
cblr-2966	217	8	25	25	NUM
cblr-2966	217	9	,	,	PUNCT
cblr-2966	217	10	at	at	ADP
cblr-2966	217	11	2071	2071	NUM
cblr-2966	217	12	.	.	PUNCT
cblr-2966	218	1	41	41	NUM
cblr-2966	218	2	see	see	VERB
cblr-2966	218	3	kiff	kiff	PROPN
cblr-2966	218	4	&	&	CCONJ
cblr-2966	218	5	mills	mills	PROPN
cblr-2966	218	6	,	,	PUNCT
cblr-2966	218	7	supra	supra	PROPN
cblr-2966	218	8	note	note	PROPN
cblr-2966	218	9	17	17	NUM
cblr-2966	218	10	,	,	PUNCT
cblr-2966	218	11	at	at	ADP
cblr-2966	218	12	9	9	NUM
cblr-2966	218	13	-	-	SYM
cblr-2966	218	14	10	10	NUM
cblr-2966	218	15	.	.	PUNCT
cblr-2966	219	1	[	[	X
cblr-2966	219	2	vol	vol	NOUN
cblr-2966	219	3	.	.	NOUN
cblr-2966	219	4	2008	2008	NUM
cblr-2966	219	5	by	by	ADP
cblr-2966	219	6	the	the	DET
cblr-2966	219	7	rating	rating	NOUN
cblr-2966	219	8	agencies	agency	NOUN
cblr-2966	219	9	,	,	PUNCT
cblr-2966	219	10	allowed	allow	VERB
cblr-2966	219	11	bad	bad	ADJ
cblr-2966	219	12	loans	loan	NOUN
cblr-2966	219	13	to	to	PART
cblr-2966	219	14	be	be	AUX
cblr-2966	219	15	included	include	VERB
cblr-2966	219	16	with	with	ADP
cblr-2966	219	17	good	good	ADJ
cblr-2966	219	18	loans	loan	NOUN
cblr-2966	219	19	while	while	SCONJ
cblr-2966	219	20	providing	provide	VERB
cblr-2966	219	21	no	no	DET
cblr-2966	219	22	incentive	incentive	NOUN
cblr-2966	219	23	for	for	SCONJ
cblr-2966	219	24	lenders	lender	NOUN
cblr-2966	219	25	to	to	PART
cblr-2966	219	26	make	make	VERB
cblr-2966	219	27	reasonable	reasonable	ADJ
cblr-2966	219	28	loans.46	loans.46	NOUN
cblr-2966	219	29	therefore	therefore	ADV
cblr-2966	219	30	,	,	PUNCT
cblr-2966	219	31	the	the	DET
cblr-2966	219	32	market	market	NOUN
cblr-2966	219	33	rewards	reward	VERB
cblr-2966	219	34	lenders	lender	NOUN
cblr-2966	219	35	for	for	ADP
cblr-2966	219	36	quantity	quantity	NOUN
cblr-2966	219	37	,	,	PUNCT
cblr-2966	219	38	not	not	PART
cblr-2966	219	39	quality	quality	NOUN
cblr-2966	219	40	of	of	ADP
cblr-2966	219	41	loans	loan	NOUN
cblr-2966	219	42	.	.	PUNCT
cblr-2966	220	1	however	however	ADV
cblr-2966	220	2	,	,	PUNCT
cblr-2966	220	3	once	once	SCONJ
cblr-2966	220	4	the	the	DET
cblr-2966	220	5	bubble	bubble	NOUN
cblr-2966	220	6	burst	burst	NOUN
cblr-2966	220	7	,	,	PUNCT
cblr-2966	220	8	housing	housing	NOUN
cblr-2966	220	9	prices	price	NOUN
cblr-2966	220	10	flattened	flatten	VERB
cblr-2966	220	11	and	and	CCONJ
cblr-2966	220	12	even	even	ADV
cblr-2966	220	13	fell.47	fell.47	NOUN
cblr-2966	220	14	now	now	ADV
cblr-2966	220	15	home	home	NOUN
cblr-2966	220	16	owners	owner	NOUN
cblr-2966	220	17	have	have	VERB
cblr-2966	220	18	negative	negative	ADJ
cblr-2966	220	19	equity	equity	NOUN
cblr-2966	220	20	and	and	CCONJ
cblr-2966	220	21	no	no	DET
cblr-2966	220	22	ability	ability	NOUN
cblr-2966	220	23	to	to	PART
cblr-2966	220	24	refinance.48	refinance.48	VERB
cblr-2966	220	25	unsurprisingly	unsurprisingly	ADV
cblr-2966	220	26	,	,	PUNCT
cblr-2966	220	27	default	default	NOUN
cblr-2966	220	28	and	and	CCONJ
cblr-2966	220	29	foreclosure	foreclosure	NOUN
cblr-2966	220	30	followed	follow	VERB
cblr-2966	220	31	,	,	PUNCT
cblr-2966	220	32	with	with	SCONJ
cblr-2966	220	33	investors	investor	NOUN
cblr-2966	220	34	at	at	ADP
cblr-2966	220	35	the	the	DET
cblr-2966	220	36	lower	low	ADJ
cblr-2966	220	37	end	end	NOUN
cblr-2966	220	38	of	of	ADP
cblr-2966	220	39	the	the	DET
cblr-2966	220	40	subordinate	subordinate	ADJ
cblr-2966	220	41	tranches	tranche	NOUN
cblr-2966	220	42	losing	lose	VERB
cblr-2966	220	43	significant	significant	ADJ
cblr-2966	220	44	amounts	amount	NOUN
cblr-2966	220	45	of	of	ADP
cblr-2966	220	46	money.49	money.49	X
cblr-2966	220	47	the	the	DET
cblr-2966	220	48	securitization	securitization	NOUN
cblr-2966	220	49	market	market	NOUN
cblr-2966	220	50	represents	represent	VERB
cblr-2966	220	51	a	a	DET
cblr-2966	220	52	series	series	NOUN
cblr-2966	220	53	of	of	ADP
cblr-2966	220	54	incentive	incentive	NOUN
cblr-2966	220	55	mismatches	mismatch	NOUN
cblr-2966	220	56	.	.	PUNCT
cblr-2966	221	1	first	first	ADV
cblr-2966	221	2	,	,	PUNCT
cblr-2966	221	3	originators	originator	NOUN
cblr-2966	221	4	can	can	AUX
cblr-2966	221	5	ignore	ignore	VERB
cblr-2966	221	6	the	the	DET
cblr-2966	221	7	likelihood	likelihood	NOUN
cblr-2966	221	8	of	of	ADP
cblr-2966	221	9	loan	loan	NOUN
cblr-2966	221	10	repayment	repayment	NOUN
cblr-2966	221	11	when	when	SCONJ
cblr-2966	221	12	originating	originate	VERB
cblr-2966	221	13	new	new	ADJ
cblr-2966	221	14	loans	loan	NOUN
cblr-2966	221	15	because	because	SCONJ
cblr-2966	221	16	they	they	PRON
cblr-2966	221	17	can	can	AUX
cblr-2966	221	18	hide	hide	VERB
cblr-2966	221	19	and	and	CCONJ
cblr-2966	221	20	sell	sell	VERB
cblr-2966	221	21	them	they	PRON
cblr-2966	221	22	before	before	ADP
cblr-2966	221	23	foreclosure	foreclosure	NOUN
cblr-2966	221	24	.	.	PUNCT
cblr-2966	222	1	second	second	ADJ
cblr-2966	222	2	,	,	PUNCT
cblr-2966	222	3	rating	rating	NOUN
cblr-2966	222	4	agencies	agency	NOUN
cblr-2966	222	5	are	be	AUX
cblr-2966	222	6	rewarded	reward	VERB
cblr-2966	222	7	by	by	ADP
cblr-2966	222	8	banks	bank	NOUN
cblr-2966	222	9	for	for	ADP
cblr-2966	222	10	rating	rating	NOUN
cblr-2966	222	11	highly	highly	ADV
cblr-2966	222	12	.	.	PUNCT
cblr-2966	223	1	so	so	ADV
cblr-2966	223	2	long	long	ADV
cblr-2966	223	3	as	as	SCONJ
cblr-2966	223	4	investors	investor	NOUN
cblr-2966	223	5	make	make	VERB
cblr-2966	223	6	money	money	NOUN
cblr-2966	223	7	,	,	PUNCT
cblr-2966	223	8	the	the	DET
cblr-2966	223	9	agencies	agency	NOUN
cblr-2966	223	10	can	can	AUX
cblr-2966	223	11	justify	justify	VERB
cblr-2966	223	12	providing	provide	VERB
cblr-2966	223	13	inflated	inflated	ADJ
cblr-2966	223	14	ratings	rating	NOUN
cblr-2966	223	15	to	to	ADP
cblr-2966	223	16	investors.0	investors.0	PROPN
cblr-2966	223	17	third	third	ADJ
cblr-2966	223	18	,	,	PUNCT
cblr-2966	223	19	originators	originator	NOUN
cblr-2966	223	20	can	can	AUX
cblr-2966	223	21	distort	distort	VERB
cblr-2966	223	22	the	the	DET
cblr-2966	223	23	employment	employment	NOUN
cblr-2966	223	24	history	history	NOUN
cblr-2966	223	25	of	of	ADP
cblr-2966	223	26	the	the	DET
cblr-2966	223	27	borrower	borrower	NOUN
cblr-2966	223	28	,	,	PUNCT
cblr-2966	223	29	the	the	DET
cblr-2966	223	30	borrower	borrower	NOUN
cblr-2966	223	31	's	's	PART
cblr-2966	223	32	46	46	NUM
cblr-2966	223	33	see	see	VERB
cblr-2966	223	34	generally	generally	ADV
cblr-2966	223	35	kiff	kiff	PROPN
cblr-2966	223	36	&	&	CCONJ
cblr-2966	223	37	mills	mills	PROPN
cblr-2966	223	38	,	,	PUNCT
cblr-2966	223	39	supra	supra	PROPN
cblr-2966	223	40	note	note	PROPN
cblr-2966	223	41	17	17	NUM
cblr-2966	223	42	(	(	PUNCT
cblr-2966	223	43	referring	refer	VERB
cblr-2966	223	44	to	to	ADP
cblr-2966	223	45	the	the	DET
cblr-2966	223	46	high	high	ADJ
cblr-2966	223	47	demand	demand	NOUN
cblr-2966	223	48	for	for	ADP
cblr-2966	223	49	abss	abss	NOUN
cblr-2966	223	50	)	)	PUNCT
cblr-2966	223	51	;	;	PUNCT
cblr-2966	223	52	reiss	reiss	PROPN
cblr-2966	223	53	,	,	PUNCT
cblr-2966	223	54	supra	supra	PROPN
cblr-2966	223	55	note	note	NOUN
cblr-2966	223	56	36	36	NUM
cblr-2966	223	57	(	(	PUNCT
cblr-2966	223	58	referring	refer	VERB
cblr-2966	223	59	to	to	ADP
cblr-2966	223	60	the	the	DET
cblr-2966	223	61	questionable	questionable	ADJ
cblr-2966	223	62	rating	rating	NOUN
cblr-2966	223	63	practices	practice	NOUN
cblr-2966	223	64	and	and	CCONJ
cblr-2966	223	65	perhaps	perhaps	ADV
cblr-2966	223	66	outright	outright	ADJ
cblr-2966	223	67	fraud	fraud	NOUN
cblr-2966	223	68	of	of	ADP
cblr-2966	223	69	the	the	DET
cblr-2966	223	70	rating	rating	NOUN
cblr-2966	223	71	agencies	agency	NOUN
cblr-2966	223	72	)	)	PUNCT
cblr-2966	223	73	;	;	PUNCT
cblr-2966	223	74	special	special	ADJ
cblr-2966	223	75	report	report	NOUN
cblr-2966	223	76	:	:	PUNCT
cblr-2966	223	77	cracks	crack	NOUN
cblr-2966	223	78	in	in	ADP
cblr-2966	223	79	the	the	DET
cblr-2966	223	80	facade	facade	NOUN
cblr-2966	223	81	,	,	PUNCT
cblr-2966	223	82	economist	economist	NOUN
cblr-2966	223	83	,	,	PUNCT
cblr-2966	223	84	mar	mar	PROPN
cblr-2966	223	85	.	.	PROPN
cblr-2966	223	86	24	24	NUM
cblr-2966	223	87	,	,	PUNCT
cblr-2966	223	88	2007	2007	NUM
cblr-2966	223	89	,	,	PUNCT
cblr-2966	223	90	at	at	ADP
cblr-2966	223	91	87	87	NUM
cblr-2966	223	92	(	(	PUNCT
cblr-2966	223	93	reminding	remind	VERB
cblr-2966	223	94	that	that	SCONJ
cblr-2966	223	95	it	it	PRON
cblr-2966	223	96	was	be	AUX
cblr-2966	223	97	insatiable	insatiable	ADJ
cblr-2966	223	98	investor	investor	NOUN
cblr-2966	223	99	desire	desire	NOUN
cblr-2966	223	100	driving	drive	VERB
cblr-2966	223	101	this	this	DET
cblr-2966	223	102	trend	trend	NOUN
cblr-2966	223	103	)	)	PUNCT
cblr-2966	223	104	.	.	PUNCT
cblr-2966	224	1	47	47	NUM
cblr-2966	224	2	see	see	VERB
cblr-2966	224	3	generally	generally	ADV
cblr-2966	224	4	simon	simon	PROPN
cblr-2966	224	5	&	&	CCONJ
cblr-2966	224	6	hagerty	hagerty	PROPN
cblr-2966	224	7	,	,	PUNCT
cblr-2966	224	8	supra	supra	PROPN
cblr-2966	224	9	note	note	NOUN
cblr-2966	224	10	9	9	NUM
cblr-2966	224	11	(	(	PUNCT
cblr-2966	224	12	forecasting	forecast	VERB
cblr-2966	224	13	that	that	SCONJ
cblr-2966	224	14	a	a	DET
cblr-2966	224	15	weak	weak	ADJ
cblr-2966	224	16	housing	housing	NOUN
cblr-2966	224	17	market	market	NOUN
cblr-2966	224	18	would	would	AUX
cblr-2966	224	19	cause	cause	VERB
cblr-2966	224	20	significant	significant	ADJ
cblr-2966	224	21	problems	problem	NOUN
cblr-2966	224	22	for	for	ADP
cblr-2966	224	23	the	the	DET
cblr-2966	224	24	subprime	subprime	ADJ
cblr-2966	224	25	industry	industry	NOUN
cblr-2966	224	26	)	)	PUNCT
cblr-2966	224	27	;	;	PUNCT
cblr-2966	224	28	yoon	yoon	PROPN
cblr-2966	224	29	,	,	PUNCT
cblr-2966	224	30	supra	supra	PROPN
cblr-2966	224	31	note	note	NOUN
cblr-2966	224	32	9	9	NUM
cblr-2966	224	33	(	(	PUNCT
cblr-2966	224	34	pointing	point	VERB
cblr-2966	224	35	out	out	ADP
cblr-2966	224	36	the	the	DET
cblr-2966	224	37	slowing	slowing	NOUN
cblr-2966	224	38	of	of	ADP
cblr-2966	224	39	housing	housing	NOUN
cblr-2966	224	40	price	price	NOUN
cblr-2966	224	41	growth	growth	NOUN
cblr-2966	224	42	)	)	PUNCT
cblr-2966	224	43	.	.	PUNCT
cblr-2966	224	44	'	'	PUNCT
cblr-2966	225	1	there	there	PRON
cblr-2966	225	2	is	be	VERB
cblr-2966	225	3	some	some	DET
cblr-2966	225	4	suggestion	suggestion	NOUN
cblr-2966	225	5	that	that	SCONJ
cblr-2966	225	6	18	18	NUM
cblr-2966	225	7	%	%	NOUN
cblr-2966	225	8	of	of	ADP
cblr-2966	225	9	people	people	NOUN
cblr-2966	225	10	taking	take	VERB
cblr-2966	225	11	out	out	ADP
cblr-2966	225	12	loans	loan	NOUN
cblr-2966	225	13	in	in	ADP
cblr-2966	225	14	2006	2006	NUM
cblr-2966	225	15	had	have	AUX
cblr-2966	225	16	negative	negative	ADJ
cblr-2966	225	17	equity	equity	NOUN
cblr-2966	225	18	.	.	PUNCT
cblr-2966	226	1	see	see	VERB
cblr-2966	226	2	special	special	ADJ
cblr-2966	226	3	report	report	NOUN
cblr-2966	226	4	:	:	PUNCT
cblr-2966	226	5	cracks	crack	NOUN
cblr-2966	226	6	in	in	ADP
cblr-2966	226	7	the	the	DET
cblr-2966	226	8	facade	facade	NOUN
cblr-2966	226	9	,	,	PUNCT
cblr-2966	226	10	supra	supra	ADJ
cblr-2966	226	11	note	note	NOUN
cblr-2966	226	12	46	46	NUM
cblr-2966	226	13	.	.	PROPN
cblr-2966	226	14	49	49	NUM
cblr-2966	226	15	see	see	VERB
cblr-2966	226	16	kiff	kiff	PROPN
cblr-2966	226	17	&	&	CCONJ
cblr-2966	226	18	mills	mills	PROPN
cblr-2966	226	19	,	,	PUNCT
cblr-2966	226	20	supra	supra	PROPN
cblr-2966	226	21	note	note	PROPN
cblr-2966	226	22	17	17	NUM
cblr-2966	226	23	,	,	PUNCT
cblr-2966	226	24	at	at	ADP
cblr-2966	226	25	10	10	NUM
cblr-2966	226	26	(	(	PUNCT
cblr-2966	226	27	estimating	estimate	VERB
cblr-2966	226	28	that	that	SCONJ
cblr-2966	226	29	the	the	DET
cblr-2966	226	30	losses	loss	NOUN
cblr-2966	226	31	will	will	AUX
cblr-2966	226	32	be	be	AUX
cblr-2966	226	33	almost	almost	ADV
cblr-2966	226	34	twenty	twenty	NUM
cblr-2966	226	35	-	-	PUNCT
cblr-2966	226	36	five	five	NUM
cblr-2966	226	37	billion	billion	NUM
cblr-2966	226	38	dollars	dollar	NOUN
cblr-2966	226	39	if	if	SCONJ
cblr-2966	226	40	the	the	DET
cblr-2966	226	41	housing	housing	NOUN
cblr-2966	226	42	prices	price	NOUN
cblr-2966	226	43	remain	remain	VERB
cblr-2966	226	44	flat	flat	ADJ
cblr-2966	226	45	,	,	PUNCT
cblr-2966	226	46	but	but	CCONJ
cblr-2966	226	47	that	that	SCONJ
cblr-2966	226	48	if	if	SCONJ
cblr-2966	226	49	they	they	PRON
cblr-2966	226	50	drop	drop	VERB
cblr-2966	226	51	5	5	NUM
cblr-2966	226	52	%	%	NOUN
cblr-2966	226	53	,	,	PUNCT
cblr-2966	226	54	losses	loss	NOUN
cblr-2966	226	55	will	will	AUX
cblr-2966	226	56	be	be	AUX
cblr-2966	226	57	closer	close	ADJ
cblr-2966	226	58	to	to	ADP
cblr-2966	226	59	sixty	sixty	NUM
cblr-2966	226	60	billion	billion	NUM
cblr-2966	226	61	dollars	dollar	NOUN
cblr-2966	226	62	)	)	PUNCT
cblr-2966	226	63	.	.	PUNCT
cblr-2966	227	1	in	in	ADP
cblr-2966	227	2	2007	2007	NUM
cblr-2966	227	3	,	,	PUNCT
cblr-2966	227	4	some	some	DET
cblr-2966	227	5	experts	expert	NOUN
cblr-2966	227	6	predicted	predict	VERB
cblr-2966	227	7	prices	price	NOUN
cblr-2966	227	8	might	might	AUX
cblr-2966	227	9	fall	fall	VERB
cblr-2966	227	10	as	as	ADV
cblr-2966	227	11	much	much	ADJ
cblr-2966	227	12	as	as	ADP
cblr-2966	227	13	10	10	NUM
cblr-2966	227	14	%	%	NOUN
cblr-2966	227	15	,	,	PUNCT
cblr-2966	227	16	which	which	PRON
cblr-2966	227	17	others	other	NOUN
cblr-2966	227	18	predict	predict	VERB
cblr-2966	227	19	would	would	AUX
cblr-2966	227	20	mean	mean	VERB
cblr-2966	227	21	a	a	DET
cblr-2966	227	22	loss	loss	NOUN
cblr-2966	227	23	of	of	ADP
cblr-2966	227	24	about	about	ADV
cblr-2966	227	25	one	one	NUM
cblr-2966	227	26	-	-	PUNCT
cblr-2966	227	27	hundred	hundred	NUM
cblr-2966	227	28	and	and	CCONJ
cblr-2966	227	29	twelve	twelve	NUM
cblr-2966	227	30	billion	billion	NUM
cblr-2966	227	31	.	.	PUNCT
cblr-2966	228	1	see	see	VERB
cblr-2966	228	2	special	special	ADJ
cblr-2966	228	3	report	report	NOUN
cblr-2966	228	4	:	:	PUNCT
cblr-2966	228	5	cracks	crack	NOUN
cblr-2966	228	6	in	in	ADP
cblr-2966	228	7	the	the	DET
cblr-2966	228	8	facade	facade	NOUN
cblr-2966	228	9	,	,	PUNCT
cblr-2966	228	10	supra	supra	ADJ
cblr-2966	228	11	note	note	NOUN
cblr-2966	228	12	46	46	NUM
cblr-2966	228	13	.	.	PUNCT
cblr-2966	229	1	also	also	ADV
cblr-2966	229	2	,	,	PUNCT
cblr-2966	229	3	there	there	PRON
cblr-2966	229	4	is	be	VERB
cblr-2966	229	5	a	a	DET
cblr-2966	229	6	fear	fear	NOUN
cblr-2966	229	7	that	that	SCONJ
cblr-2966	229	8	this	this	PRON
cblr-2966	229	9	may	may	AUX
cblr-2966	229	10	have	have	AUX
cblr-2966	229	11	a	a	DET
cblr-2966	229	12	larger	large	ADJ
cblr-2966	229	13	cost	cost	NOUN
cblr-2966	229	14	in	in	ADP
cblr-2966	229	15	terms	term	NOUN
cblr-2966	229	16	of	of	ADP
cblr-2966	229	17	shaking	shake	VERB
cblr-2966	229	18	overall	overall	ADJ
cblr-2966	229	19	investor	investor	NOUN
cblr-2966	229	20	confidence	confidence	NOUN
cblr-2966	229	21	.	.	PUNCT
cblr-2966	230	1	see	see	VERB
cblr-2966	230	2	subprime	subprime	ADJ
cblr-2966	230	3	subsidence	subsidence	NOUN
cblr-2966	230	4	;	;	PUNCT
cblr-2966	230	5	mortgage	mortgage	NOUN
cblr-2966	230	6	lending	lending	NOUN
cblr-2966	230	7	,	,	PUNCT
cblr-2966	230	8	economist	economist	NOUN
cblr-2966	230	9	,	,	PUNCT
cblr-2966	230	10	dec	dec	PROPN
cblr-2966	230	11	.	.	PROPN
cblr-2966	230	12	16	16	NUM
cblr-2966	230	13	,	,	PUNCT
cblr-2966	230	14	2006	2006	NUM
cblr-2966	230	15	,	,	PUNCT
cblr-2966	230	16	at	at	ADP
cblr-2966	230	17	89	89	NUM
cblr-2966	230	18	.	.	PUNCT
cblr-2966	230	19	"	"	PUNCT
cblr-2966	230	20	see	see	VERB
cblr-2966	230	21	engel	engel	PROPN
cblr-2966	230	22	&	&	CCONJ
cblr-2966	230	23	mccoy	mccoy	PROPN
cblr-2966	230	24	,	,	PUNCT
cblr-2966	230	25	supra	supra	PROPN
cblr-2966	230	26	note	note	PROPN
cblr-2966	230	27	25	25	NUM
cblr-2966	230	28	,	,	PUNCT
cblr-2966	230	29	at	at	ADP
cblr-2966	230	30	2055	2055	NUM
cblr-2966	230	31	(	(	PUNCT
cblr-2966	230	32	pointing	point	VERB
cblr-2966	230	33	out	out	ADP
cblr-2966	230	34	that	that	SCONJ
cblr-2966	230	35	there	there	PRON
cblr-2966	230	36	were	be	VERB
cblr-2966	230	37	still	still	ADV
cblr-2966	230	38	highly	highly	ADV
cblr-2966	230	39	rated	rate	VERB
cblr-2966	230	40	securities	security	NOUN
cblr-2966	230	41	backed	back	VERB
cblr-2966	230	42	by	by	ADP
cblr-2966	230	43	subprime	subprime	ADJ
cblr-2966	230	44	loans	loan	NOUN
cblr-2966	230	45	,	,	PUNCT
cblr-2966	230	46	even	even	ADV
cblr-2966	230	47	when	when	SCONJ
cblr-2966	230	48	the	the	DET
cblr-2966	230	49	collapse	collapse	NOUN
cblr-2966	230	50	had	have	AUX
cblr-2966	230	51	already	already	ADV
cblr-2966	230	52	begun	begin	VERB
cblr-2966	230	53	in	in	ADP
cblr-2966	230	54	2006	2006	NUM
cblr-2966	230	55	)	)	PUNCT
cblr-2966	230	56	.	.	PUNCT
cblr-2966	231	1	no	no	INTJ
cblr-2966	231	2	.	.	PUNCT
cblr-2966	232	1	3:1021	3:1021	NUM
cblr-2966	232	2	]	]	X
cblr-2966	232	3	rethinking	rethink	VERB
cblr-2966	232	4	assignee	assignee	NOUN
cblr-2966	232	5	liability	liability	NOUN
cblr-2966	232	6	income	income	NOUN
cblr-2966	232	7	,	,	PUNCT
cblr-2966	232	8	and	and	CCONJ
cblr-2966	232	9	home	home	NOUN
cblr-2966	232	10	appraisals	appraisal	NOUN
cblr-2966	232	11	without	without	ADP
cblr-2966	232	12	much	much	ADJ
cblr-2966	232	13	risk	risk	NOUN
cblr-2966	232	14	of	of	ADP
cblr-2966	232	15	discovery	discovery	NOUN
cblr-2966	232	16	until	until	SCONJ
cblr-2966	232	17	it	it	PRON
cblr-2966	232	18	is	be	AUX
cblr-2966	232	19	too	too	ADV
cblr-2966	232	20	late.5	late.5	NOUN
cblr-2966	232	21	'	'	PUNCT
cblr-2966	232	22	to	to	PART
cblr-2966	232	23	complicate	complicate	VERB
cblr-2966	232	24	matters	matter	NOUN
cblr-2966	232	25	further	far	ADV
cblr-2966	232	26	,	,	PUNCT
cblr-2966	232	27	the	the	DET
cblr-2966	232	28	"	"	PUNCT
cblr-2966	232	29	holder	holder	NOUN
cblr-2966	232	30	in	in	ADP
cblr-2966	232	31	due	due	ADJ
cblr-2966	232	32	course	course	NOUN
cblr-2966	232	33	"	"	PUNCT
cblr-2966	232	34	doctrine	doctrine	NOUN
cblr-2966	232	35	compounds	compound	VERB
cblr-2966	232	36	the	the	DET
cblr-2966	232	37	securitization	securitization	NOUN
cblr-2966	232	38	incentive	incentive	NOUN
cblr-2966	232	39	mismatch	mismatch	NOUN
cblr-2966	232	40	by	by	ADP
cblr-2966	232	41	preventing	prevent	VERB
cblr-2966	232	42	the	the	DET
cblr-2966	232	43	borrower	borrower	NOUN
cblr-2966	232	44	from	from	ADP
cblr-2966	232	45	asserting	assert	VERB
cblr-2966	232	46	claims	claim	NOUN
cblr-2966	232	47	against	against	ADP
cblr-2966	232	48	the	the	DET
cblr-2966	232	49	trusts	trust	NOUN
cblr-2966	232	50	holding	hold	VERB
cblr-2966	232	51	the	the	DET
cblr-2966	232	52	pooled	pool	VERB
cblr-2966	232	53	loans.52	loans.52	NOUN
cblr-2966	232	54	first	first	ADV
cblr-2966	232	55	,	,	PUNCT
cblr-2966	232	56	securitization	securitization	NOUN
cblr-2966	232	57	allows	allow	VERB
cblr-2966	232	58	originators	originator	NOUN
cblr-2966	232	59	to	to	PART
cblr-2966	232	60	operate	operate	VERB
cblr-2966	232	61	at	at	ADP
cblr-2966	232	62	the	the	DET
cblr-2966	232	63	edge	edge	NOUN
cblr-2966	232	64	of	of	ADP
cblr-2966	232	65	solvency	solvency	NOUN
cblr-2966	232	66	with	with	ADP
cblr-2966	232	67	little	little	ADJ
cblr-2966	232	68	regard	regard	NOUN
cblr-2966	232	69	to	to	ADP
cblr-2966	232	70	the	the	DET
cblr-2966	232	71	quality	quality	NOUN
cblr-2966	232	72	of	of	ADP
cblr-2966	232	73	originated	originated	ADJ
cblr-2966	232	74	loans.53	loans.53	NOUN
cblr-2966	232	75	second	second	ADV
cblr-2966	232	76	,	,	PUNCT
cblr-2966	232	77	since	since	SCONJ
cblr-2966	232	78	there	there	PRON
cblr-2966	232	79	is	be	VERB
cblr-2966	232	80	no	no	DET
cblr-2966	232	81	remedy	remedy	NOUN
cblr-2966	232	82	for	for	ADP
cblr-2966	232	83	predatory	predatory	ADJ
cblr-2966	232	84	lending	lending	NOUN
cblr-2966	232	85	practices	practice	NOUN
cblr-2966	232	86	if	if	SCONJ
cblr-2966	232	87	the	the	DET
cblr-2966	232	88	originator	originator	NOUN
cblr-2966	232	89	is	be	AUX
cblr-2966	232	90	insolvent	insolvent	ADJ
cblr-2966	232	91	,	,	PUNCT
cblr-2966	232	92	the	the	DET
cblr-2966	232	93	borrower	borrower	NOUN
cblr-2966	232	94	may	may	AUX
cblr-2966	232	95	find	find	VERB
cblr-2966	232	96	that	that	SCONJ
cblr-2966	232	97	the	the	DET
cblr-2966	232	98	originator	originator	NOUN
cblr-2966	232	99	has	have	AUX
cblr-2966	232	100	disappeared	disappear	VERB
cblr-2966	232	101	and	and	CCONJ
cblr-2966	232	102	that	that	SCONJ
cblr-2966	232	103	the	the	DET
cblr-2966	232	104	securitized	securitized	ADJ
cblr-2966	232	105	trust	trust	NOUN
cblr-2966	232	106	is	be	AUX
cblr-2966	232	107	legally	legally	ADV
cblr-2966	232	108	immune	immune	ADJ
cblr-2966	232	109	.	.	PUNCT
cblr-2966	233	1	when	when	SCONJ
cblr-2966	233	2	the	the	DET
cblr-2966	233	3	trust	trust	NOUN
cblr-2966	233	4	goes	go	VERB
cblr-2966	233	5	to	to	PART
cblr-2966	233	6	foreclose	foreclose	VERB
cblr-2966	233	7	after	after	ADP
cblr-2966	233	8	default	default	NOUN
cblr-2966	233	9	,	,	PUNCT
cblr-2966	233	10	the	the	DET
cblr-2966	233	11	borrower	borrower	NOUN
cblr-2966	233	12	has	have	VERB
cblr-2966	233	13	no	no	DET
cblr-2966	233	14	remedy	remedy	NOUN
cblr-2966	233	15	and	and	CCONJ
cblr-2966	233	16	is	be	AUX
cblr-2966	233	17	left	leave	VERB
cblr-2966	233	18	without	without	ADP
cblr-2966	233	19	a	a	DET
cblr-2966	233	20	house	house	NOUN
cblr-2966	233	21	,	,	PUNCT
cblr-2966	233	22	despite	despite	SCONJ
cblr-2966	233	23	having	have	VERB
cblr-2966	233	24	a	a	DET
cblr-2966	233	25	legitimate	legitimate	ADJ
cblr-2966	233	26	claim	claim	NOUN
cblr-2966	233	27	for	for	ADP
cblr-2966	233	28	fraudulent	fraudulent	ADJ
cblr-2966	233	29	and	and	CCONJ
cblr-2966	233	30	abusive	abusive	ADJ
cblr-2966	233	31	conduct	conduct	NOUN
cblr-2966	233	32	.	.	PUNCT
cblr-2966	234	1	at	at	ADP
cblr-2966	234	2	its	its	PRON
cblr-2966	234	3	simplest	simple	ADJ
cblr-2966	234	4	,	,	PUNCT
cblr-2966	234	5	the	the	DET
cblr-2966	234	6	subprime	subprime	ADJ
cblr-2966	234	7	collapse	collapse	NOUN
cblr-2966	234	8	was	be	AUX
cblr-2966	234	9	a	a	DET
cblr-2966	234	10	product	product	NOUN
cblr-2966	234	11	of	of	ADP
cblr-2966	234	12	misaligned	misaligned	ADJ
cblr-2966	234	13	incentives	incentive	NOUN
cblr-2966	234	14	compounded	compound	VERB
cblr-2966	234	15	by	by	ADP
cblr-2966	234	16	legal	legal	ADJ
cblr-2966	234	17	immunity.54	immunity.54	PROPN
cblr-2966	234	18	iii	iii	PROPN
cblr-2966	234	19	.	.	PUNCT
cblr-2966	235	1	current	current	ADJ
cblr-2966	235	2	legal	legal	ADJ
cblr-2966	235	3	landscape	landscape	NOUN
cblr-2966	235	4	predatory	predatory	NOUN
cblr-2966	235	5	lending	lending	NOUN
cblr-2966	235	6	laws	law	NOUN
cblr-2966	235	7	exist	exist	VERB
cblr-2966	235	8	at	at	ADP
cblr-2966	235	9	both	both	CCONJ
cblr-2966	235	10	the	the	DET
cblr-2966	235	11	federal	federal	ADJ
cblr-2966	235	12	and	and	CCONJ
cblr-2966	235	13	state	state	NOUN
cblr-2966	235	14	level	level	NOUN
cblr-2966	235	15	and	and	CCONJ
cblr-2966	235	16	have	have	VERB
cblr-2966	235	17	essentially	essentially	ADV
cblr-2966	235	18	two	two	NUM
cblr-2966	235	19	important	important	ADJ
cblr-2966	235	20	features	feature	NOUN
cblr-2966	235	21	:	:	PUNCT
cblr-2966	235	22	(	(	PUNCT
cblr-2966	235	23	1	1	X
cblr-2966	235	24	)	)	PUNCT
cblr-2966	235	25	damages	damage	NOUN
cblr-2966	235	26	and	and	CCONJ
cblr-2966	235	27	(	(	PUNCT
cblr-2966	235	28	2	2	NUM
cblr-2966	235	29	)	)	PUNCT
cblr-2966	235	30	coverage	coverage	NOUN
cblr-2966	235	31	.	.	PUNCT
cblr-2966	236	1	damages	damage	NOUN
cblr-2966	236	2	determine	determine	VERB
cblr-2966	236	3	predictability	predictability	NOUN
cblr-2966	236	4	,	,	PUNCT
cblr-2966	236	5	and	and	CCONJ
cblr-2966	236	6	coverage	coverage	NOUN
cblr-2966	236	7	determines	determine	NOUN
cblr-2966	236	8	scope	scope	NOUN
cblr-2966	236	9	.	.	PUNCT
cblr-2966	237	1	5	5	NUM
cblr-2966	237	2	the	the	DET
cblr-2966	237	3	laws	law	NOUN
cblr-2966	237	4	51	51	NUM
cblr-2966	237	5	see	see	VERB
cblr-2966	237	6	generally	generally	ADV
cblr-2966	237	7	silverman	silverman	NOUN
cblr-2966	237	8	,	,	PUNCT
cblr-2966	237	9	supra	supra	PROPN
cblr-2966	237	10	note	note	PROPN
cblr-2966	237	11	13	13	NUM
cblr-2966	237	12	,	,	PUNCT
cblr-2966	237	13	at	at	ADP
cblr-2966	237	14	516	516	NUM
cblr-2966	237	15	;	;	PUNCT
cblr-2966	237	16	patrick	patrick	PROPN
cblr-2966	237	17	barta	barta	PROPN
cblr-2966	237	18	,	,	PUNCT
cblr-2966	237	19	is	be	AUX
cblr-2966	237	20	appraisal	appraisal	NOUN
cblr-2966	237	21	process	process	NOUN
cblr-2966	237	22	skewing	skew	VERB
cblr-2966	237	23	home	home	NOUN
cblr-2966	237	24	values	value	NOUN
cblr-2966	237	25	?	?	PUNCT
cblr-2966	237	26	,	,	PUNCT
cblr-2966	237	27	wall	wall	PROPN
cblr-2966	237	28	st	st	PROPN
cblr-2966	237	29	.	.	PROPN
cblr-2966	237	30	j.	j.	PROPN
cblr-2966	237	31	,	,	PUNCT
cblr-2966	237	32	aug	aug	PROPN
cblr-2966	237	33	.	.	PROPN
cblr-2966	237	34	13	13	NUM
cblr-2966	237	35	,	,	PUNCT
cblr-2966	237	36	2001	2001	NUM
cblr-2966	237	37	,	,	PUNCT
cblr-2966	237	38	at	at	ADP
cblr-2966	237	39	al	al	PROPN
cblr-2966	237	40	(	(	PUNCT
cblr-2966	237	41	interviewing	interview	VERB
cblr-2966	237	42	an	an	DET
cblr-2966	237	43	appraiser	appraiser	NOUN
cblr-2966	237	44	to	to	PART
cblr-2966	237	45	demonstrate	demonstrate	VERB
cblr-2966	237	46	the	the	DET
cblr-2966	237	47	pressure	pressure	NOUN
cblr-2966	237	48	lenders	lender	NOUN
cblr-2966	237	49	put	put	VERB
cblr-2966	237	50	on	on	ADP
cblr-2966	237	51	them	they	PRON
cblr-2966	237	52	to	to	PART
cblr-2966	237	53	produce	produce	VERB
cblr-2966	237	54	the	the	DET
cblr-2966	237	55	"	"	PUNCT
cblr-2966	237	56	right	right	ADJ
cblr-2966	237	57	"	"	PUNCT
cblr-2966	237	58	number	number	NOUN
cblr-2966	237	59	)	)	PUNCT
cblr-2966	237	60	.	.	PUNCT
cblr-2966	238	1	"	"	PUNCT
cblr-2966	238	2	see	see	VERB
cblr-2966	238	3	infra	infra	NOUN
cblr-2966	238	4	note	note	VERB
cblr-2966	238	5	56	56	NUM
cblr-2966	238	6	(	(	PUNCT
cblr-2966	238	7	discussing	discuss	VERB
cblr-2966	238	8	the	the	DET
cblr-2966	238	9	"	"	PUNCT
cblr-2966	238	10	holder	holder	NOUN
cblr-2966	238	11	in	in	ADP
cblr-2966	238	12	due	due	ADJ
cblr-2966	238	13	course	course	NOUN
cblr-2966	238	14	"	"	PUNCT
cblr-2966	238	15	doctrine	doctrine	NOUN
cblr-2966	238	16	in	in	ADP
cblr-2966	238	17	more	more	ADJ
cblr-2966	238	18	detail	detail	NOUN
cblr-2966	238	19	)	)	PUNCT
cblr-2966	238	20	;	;	PUNCT
cblr-2966	238	21	see	see	VERB
cblr-2966	238	22	also	also	ADV
cblr-2966	238	23	peterson	peterson	PROPN
cblr-2966	238	24	,	,	PUNCT
cblr-2966	238	25	supra	supra	PROPN
cblr-2966	238	26	note	note	PROPN
cblr-2966	238	27	34	34	NUM
cblr-2966	238	28	,	,	PUNCT
cblr-2966	238	29	at	at	ADP
cblr-2966	238	30	2236	2236	NUM
cblr-2966	238	31	.	.	PUNCT
cblr-2966	239	1	essentially	essentially	ADV
cblr-2966	239	2	the	the	DET
cblr-2966	239	3	doctrine	doctrine	NOUN
cblr-2966	239	4	means	mean	VERB
cblr-2966	239	5	that	that	SCONJ
cblr-2966	239	6	the	the	DET
cblr-2966	239	7	holder	holder	NOUN
cblr-2966	239	8	of	of	ADP
cblr-2966	239	9	a	a	DET
cblr-2966	239	10	loan	loan	NOUN
cblr-2966	239	11	purchased	purchase	VERB
cblr-2966	239	12	for	for	ADP
cblr-2966	239	13	consideration	consideration	NOUN
cblr-2966	239	14	is	be	AUX
cblr-2966	239	15	not	not	PART
cblr-2966	239	16	liable	liable	ADJ
cblr-2966	239	17	for	for	ADP
cblr-2966	239	18	anything	anything	PRON
cblr-2966	239	19	that	that	PRON
cblr-2966	239	20	could	could	AUX
cblr-2966	239	21	have	have	AUX
cblr-2966	239	22	been	be	AUX
cblr-2966	239	23	brought	bring	VERB
cblr-2966	239	24	against	against	ADP
cblr-2966	239	25	the	the	DET
cblr-2966	239	26	originator	originator	NOUN
cblr-2966	239	27	.	.	PUNCT
cblr-2966	240	1	the	the	DET
cblr-2966	240	2	idea	idea	NOUN
cblr-2966	240	3	was	be	AUX
cblr-2966	240	4	to	to	PART
cblr-2966	240	5	encourage	encourage	VERB
cblr-2966	240	6	liquidity	liquidity	NOUN
cblr-2966	240	7	,	,	PUNCT
cblr-2966	240	8	but	but	CCONJ
cblr-2966	240	9	it	it	PRON
cblr-2966	240	10	has	have	AUX
cblr-2966	240	11	caused	cause	VERB
cblr-2966	240	12	many	many	ADJ
cblr-2966	240	13	troubling	troubling	ADJ
cblr-2966	240	14	results	result	NOUN
cblr-2966	240	15	.	.	PUNCT
cblr-2966	240	16	'	'	PUNCT
cblr-2966	241	1	as	as	SCONJ
cblr-2966	241	2	noted	note	VERB
cblr-2966	241	3	,	,	PUNCT
cblr-2966	241	4	the	the	DET
cblr-2966	241	5	originator	originator	NOUN
cblr-2966	241	6	sells	sell	VERB
cblr-2966	241	7	the	the	DET
cblr-2966	241	8	loan	loan	NOUN
cblr-2966	242	1	so	so	SCONJ
cblr-2966	242	2	quickly-70	quickly-70	PROPN
cblr-2966	242	3	%	%	NOUN
cblr-2966	242	4	in	in	ADP
cblr-2966	242	5	the	the	DET
cblr-2966	242	6	first	first	ADJ
cblr-2966	242	7	year	year	NOUN
cblr-2966	242	8	according	accord	VERB
cblr-2966	242	9	to	to	ADP
cblr-2966	242	10	data	datum	NOUN
cblr-2966	242	11	in	in	ADP
cblr-2966	242	12	this	this	DET
cblr-2966	242	13	study	study	NOUN
cblr-2966	242	14	-	-	PUNCT
cblr-2966	242	15	that	that	SCONJ
cblr-2966	242	16	they	they	PRON
cblr-2966	242	17	are	be	AUX
cblr-2966	242	18	very	very	ADV
cblr-2966	242	19	unlikely	unlikely	ADJ
cblr-2966	242	20	to	to	PART
cblr-2966	242	21	be	be	AUX
cblr-2966	242	22	stuck	stick	VERB
cblr-2966	242	23	with	with	ADP
cblr-2966	242	24	it	it	PRON
cblr-2966	242	25	when	when	SCONJ
cblr-2966	242	26	it	it	PRON
cblr-2966	242	27	goes	go	VERB
cblr-2966	242	28	bad	bad	ADJ
cblr-2966	242	29	.	.	PUNCT
cblr-2966	243	1	see	see	VERB
cblr-2966	243	2	kiff	kiff	PROPN
cblr-2966	243	3	&	&	CCONJ
cblr-2966	243	4	mills	mills	PROPN
cblr-2966	243	5	,	,	PUNCT
cblr-2966	243	6	supra	supra	PROPN
cblr-2966	243	7	note	note	PROPN
cblr-2966	243	8	17	17	NUM
cblr-2966	243	9	,	,	PUNCT
cblr-2966	243	10	at	at	ADP
cblr-2966	243	11	7	7	NUM
cblr-2966	243	12	.	.	NOUN
cblr-2966	243	13	5	5	NUM
cblr-2966	243	14	'	'	PART
cblr-2966	243	15	most	most	ADJ
cblr-2966	243	16	laws	law	NOUN
cblr-2966	243	17	allow	allow	VERB
cblr-2966	243	18	for	for	ADP
cblr-2966	243	19	recovery	recovery	NOUN
cblr-2966	243	20	to	to	ADP
cblr-2966	243	21	the	the	DET
cblr-2966	243	22	extent	extent	NOUN
cblr-2966	243	23	of	of	ADP
cblr-2966	243	24	the	the	DET
cblr-2966	243	25	loan	loan	NOUN
cblr-2966	243	26	plus	plus	CCONJ
cblr-2966	243	27	some	some	DET
cblr-2966	243	28	extra	extra	ADJ
cblr-2966	243	29	costs	cost	NOUN
cblr-2966	243	30	.	.	PUNCT
cblr-2966	244	1	some	some	DET
cblr-2966	244	2	laws	law	NOUN
cblr-2966	244	3	,	,	PUNCT
cblr-2966	244	4	however	however	ADV
cblr-2966	244	5	,	,	PUNCT
cblr-2966	244	6	allow	allow	VERB
cblr-2966	244	7	treble	treble	ADJ
cblr-2966	244	8	damages	damage	NOUN
cblr-2966	244	9	and	and	CCONJ
cblr-2966	244	10	punitive	punitive	PROPN
cblr-2966	244	11	columbia	columbia	PROPN
cblr-2966	244	12	b	b	PROPN
cblr-2966	244	13	usiness	usiness	PROPN
cblr-2966	244	14	la	la	PROPN
cblr-2966	244	15	w	w	PROPN
cblr-2966	244	16	re	re	VERB
cblr-2966	244	17	view	view	NOUN
cblr-2966	244	18	[	[	X
cblr-2966	244	19	vol	vol	NOUN
cblr-2966	244	20	.	.	PUNCT
cblr-2966	244	21	2008	2008	NUM
cblr-2966	244	22	come	come	VERB
cblr-2966	244	23	in	in	ADP
cblr-2966	244	24	several	several	ADJ
cblr-2966	244	25	variations	variation	NOUN
cblr-2966	244	26	under	under	ADP
cblr-2966	244	27	these	these	DET
cblr-2966	244	28	two	two	NUM
cblr-2966	244	29	dimensions	dimension	NOUN
cblr-2966	244	30	.	.	PUNCT
cblr-2966	245	1	some	some	DET
cblr-2966	245	2	laws	law	NOUN
cblr-2966	245	3	cover	cover	VERB
cblr-2966	245	4	only	only	ADV
cblr-2966	245	5	refinancing	refinance	VERB
cblr-2966	245	6	,	,	PUNCT
cblr-2966	245	7	some	some	DET
cblr-2966	245	8	laws	law	NOUN
cblr-2966	245	9	cover	cover	VERB
cblr-2966	245	10	only	only	ADV
cblr-2966	245	11	certain	certain	ADJ
cblr-2966	245	12	loans	loan	NOUN
cblr-2966	245	13	based	base	VERB
cblr-2966	245	14	on	on	ADP
cblr-2966	245	15	interest	interest	NOUN
cblr-2966	245	16	rate	rate	NOUN
cblr-2966	245	17	,	,	PUNCT
cblr-2966	245	18	and	and	CCONJ
cblr-2966	245	19	some	some	DET
cblr-2966	245	20	laws	law	NOUN
cblr-2966	245	21	impose	impose	VERB
cblr-2966	245	22	full	full	ADJ
cblr-2966	245	23	assignee	assignee	NOUN
cblr-2966	245	24	liability	liability	NOUN
cblr-2966	245	25	.	.	PUNCT
cblr-2966	246	1	assignee	assignee	NOUN
cblr-2966	246	2	lending	lending	NOUN
cblr-2966	246	3	laws	law	NOUN
cblr-2966	246	4	allow	allow	VERB
cblr-2966	246	5	consumers	consumer	NOUN
cblr-2966	246	6	to	to	PART
cblr-2966	246	7	overcome	overcome	VERB
cblr-2966	246	8	the	the	DET
cblr-2966	246	9	"	"	PUNCT
cblr-2966	246	10	holder	holder	NOUN
cblr-2966	246	11	in	in	ADP
cblr-2966	246	12	due	due	ADJ
cblr-2966	246	13	course	course	NOUN
cblr-2966	246	14	"	"	PUNCT
cblr-2966	246	15	doctrine	doctrine	NOUN
cblr-2966	246	16	and	and	CCONJ
cblr-2966	246	17	sue	sue	NOUN
cblr-2966	246	18	trusts	trust	NOUN
cblr-2966	246	19	holding	hold	VERB
cblr-2966	246	20	the	the	DET
cblr-2966	246	21	securitized	securitized	ADJ
cblr-2966	246	22	loans.56	loans.56	VERB
cblr-2966	246	23	many	many	ADJ
cblr-2966	246	24	regulators	regulator	NOUN
cblr-2966	246	25	and	and	CCONJ
cblr-2966	246	26	academics	academic	NOUN
cblr-2966	246	27	favor	favor	VERB
cblr-2966	246	28	laws	law	NOUN
cblr-2966	246	29	with	with	ADP
cblr-2966	246	30	assignee	assignee	NOUN
cblr-2966	246	31	coverage	coverage	NOUN
cblr-2966	246	32	,	,	PUNCT
cblr-2966	246	33	arguing	argue	VERB
cblr-2966	246	34	that	that	SCONJ
cblr-2966	246	35	it	it	PRON
cblr-2966	246	36	properly	properly	ADV
cblr-2966	246	37	realigns	realign	VERB
cblr-2966	246	38	market	market	NOUN
cblr-2966	246	39	incentives.57	incentives.57	ADV
cblr-2966	246	40	also	also	ADV
cblr-2966	246	41	,	,	PUNCT
cblr-2966	246	42	federal	federal	ADJ
cblr-2966	246	43	regulators	regulator	NOUN
cblr-2966	246	44	have	have	AUX
cblr-2966	246	45	begun	begin	VERB
cblr-2966	246	46	to	to	PART
cblr-2966	246	47	question	question	VERB
cblr-2966	246	48	the	the	DET
cblr-2966	246	49	wisdom	wisdom	NOUN
cblr-2966	246	50	of	of	ADP
cblr-2966	246	51	allowing	allow	VERB
cblr-2966	246	52	states	state	NOUN
cblr-2966	246	53	to	to	PART
cblr-2966	246	54	regulate	regulate	VERB
cblr-2966	246	55	lending	lending	NOUN
cblr-2966	246	56	.	.	PUNCT
cblr-2966	247	1	in	in	ADP
cblr-2966	247	2	fact	fact	NOUN
cblr-2966	247	3	,	,	PUNCT
cblr-2966	247	4	one	one	NUM
cblr-2966	247	5	recent	recent	ADJ
cblr-2966	247	6	regulatory	regulatory	ADJ
cblr-2966	247	7	proposal	proposal	NOUN
cblr-2966	247	8	is	be	AUX
cblr-2966	247	9	a	a	DET
cblr-2966	247	10	strictly	strictly	ADV
cblr-2966	247	11	national	national	ADJ
cblr-2966	247	12	assignee	assignee	NOUN
cblr-2966	247	13	liability	liability	NOUN
cblr-2966	247	14	approach.58	approach.58	ADP
cblr-2966	247	15	the	the	DET
cblr-2966	247	16	range	range	NOUN
cblr-2966	247	17	of	of	ADP
cblr-2966	247	18	conduct	conduct	NOUN
cblr-2966	247	19	prohibited	prohibit	VERB
cblr-2966	247	20	by	by	ADP
cblr-2966	247	21	predatory	predatory	ADJ
cblr-2966	247	22	lending	lending	NOUN
cblr-2966	247	23	laws	law	NOUN
cblr-2966	247	24	,	,	PUNCT
cblr-2966	247	25	and	and	CCONJ
cblr-2966	247	26	therefore	therefore	ADV
cblr-2966	247	27	,	,	PUNCT
cblr-2966	247	28	what	what	DET
cblr-2966	247	29	conduct	conduct	NOUN
cblr-2966	247	30	might	might	AUX
cblr-2966	247	31	also	also	ADV
cblr-2966	247	32	impose	impose	VERB
cblr-2966	247	33	liability	liability	NOUN
cblr-2966	247	34	on	on	ADP
cblr-2966	247	35	assignees	assignee	NOUN
cblr-2966	247	36	,	,	PUNCT
cblr-2966	247	37	is	be	AUX
cblr-2966	247	38	fairly	fairly	ADV
cblr-2966	247	39	uniform.59	uniform.59	ADJ
cblr-2966	247	40	the	the	DET
cblr-2966	247	41	targeted	target	VERB
cblr-2966	247	42	predatory	predatory	ADJ
cblr-2966	247	43	practices	practice	NOUN
cblr-2966	247	44	were	be	AUX
cblr-2966	247	45	already	already	ADV
cblr-2966	247	46	described	describe	VERB
cblr-2966	247	47	when	when	SCONJ
cblr-2966	247	48	defining	define	VERB
cblr-2966	247	49	predatory	predatory	ADJ
cblr-2966	247	50	lending	lending	NOUN
cblr-2966	247	51	.	.	PUNCT
cblr-2966	248	1	these	these	PRON
cblr-2966	248	2	include	include	VERB
cblr-2966	248	3	balloon	balloon	NOUN
cblr-2966	248	4	payments	payment	NOUN
cblr-2966	248	5	,	,	PUNCT
cblr-2966	248	6	negative	negative	ADJ
cblr-2966	248	7	amortization	amortization	NOUN
cblr-2966	248	8	,	,	PUNCT
cblr-2966	248	9	asset	asset	NOUN
cblr-2966	248	10	-	-	PUNCT
cblr-2966	248	11	based	base	VERB
cblr-2966	248	12	lending	lending	NOUN
cblr-2966	248	13	,	,	PUNCT
cblr-2966	248	14	call	call	NOUN
cblr-2966	248	15	provisions	provision	NOUN
cblr-2966	248	16	,	,	PUNCT
cblr-2966	248	17	prepayment	prepayment	NOUN
cblr-2966	248	18	penalties	penalty	NOUN
cblr-2966	248	19	,	,	PUNCT
cblr-2966	248	20	and	and	CCONJ
cblr-2966	248	21	outright	outright	ADJ
cblr-2966	248	22	fraud.6	fraud.6	NOUN
cblr-2966	248	23	"	"	PUNCT
cblr-2966	248	24	originators	originator	NOUN
cblr-2966	248	25	are	be	AUX
cblr-2966	248	26	damages	damage	NOUN
cblr-2966	248	27	.	.	PUNCT
cblr-2966	249	1	laws	law	NOUN
cblr-2966	249	2	with	with	ADP
cblr-2966	249	3	unpredictable	unpredictable	ADJ
cblr-2966	249	4	damages	damage	NOUN
cblr-2966	249	5	can	can	AUX
cblr-2966	249	6	make	make	VERB
cblr-2966	249	7	lending	lending	NOUN
cblr-2966	249	8	in	in	ADP
cblr-2966	249	9	that	that	DET
cblr-2966	249	10	market	market	NOUN
cblr-2966	249	11	particularly	particularly	ADV
cblr-2966	249	12	difficult	difficult	ADJ
cblr-2966	249	13	or	or	CCONJ
cblr-2966	249	14	costly	costly	ADJ
cblr-2966	249	15	.	.	PUNCT
cblr-2966	250	1	56	56	NUM
cblr-2966	250	2	normally	normally	ADV
cblr-2966	250	3	,	,	PUNCT
cblr-2966	250	4	the	the	DET
cblr-2966	250	5	"	"	PUNCT
cblr-2966	250	6	holder	holder	NOUN
cblr-2966	250	7	in	in	ADP
cblr-2966	250	8	due	due	ADJ
cblr-2966	250	9	course	course	NOUN
cblr-2966	250	10	"	"	PUNCT
cblr-2966	250	11	doctrine	doctrine	NOUN
cblr-2966	250	12	prevents	prevent	VERB
cblr-2966	250	13	any	any	DET
cblr-2966	250	14	claims	claim	NOUN
cblr-2966	250	15	from	from	ADP
cblr-2966	250	16	being	be	AUX
cblr-2966	250	17	asserted	assert	VERB
cblr-2966	250	18	against	against	ADP
cblr-2966	250	19	the	the	DET
cblr-2966	250	20	assignee	assignee	NOUN
cblr-2966	250	21	of	of	ADP
cblr-2966	250	22	a	a	DET
cblr-2966	250	23	promissory	promissory	NOUN
cblr-2966	250	24	note	note	NOUN
cblr-2966	250	25	.	.	PUNCT
cblr-2966	251	1	u.c.c	u.c.c	ADP
cblr-2966	251	2	.	.	PUNCT
cblr-2966	252	1	§	§	PROPN
cblr-2966	252	2	3302	3302	NUM
cblr-2966	252	3	(	(	PUNCT
cblr-2966	252	4	2005	2005	NUM
cblr-2966	252	5	)	)	PUNCT
cblr-2966	252	6	.	.	PUNCT
cblr-2966	253	1	this	this	PRON
cblr-2966	253	2	effectively	effectively	ADV
cblr-2966	253	3	leaves	leave	VERB
cblr-2966	253	4	the	the	DET
cblr-2966	253	5	borrower	borrower	NOUN
cblr-2966	253	6	with	with	ADP
cblr-2966	253	7	no	no	DET
cblr-2966	253	8	remedy	remedy	NOUN
cblr-2966	253	9	because	because	SCONJ
cblr-2966	253	10	the	the	DET
cblr-2966	253	11	mortgage	mortgage	NOUN
cblr-2966	253	12	originators	originator	NOUN
cblr-2966	253	13	operate	operate	VERB
cblr-2966	253	14	constantly	constantly	ADV
cblr-2966	253	15	at	at	ADP
cblr-2966	253	16	the	the	DET
cblr-2966	253	17	edge	edge	NOUN
cblr-2966	253	18	of	of	ADP
cblr-2966	253	19	insolvency	insolvency	NOUN
cblr-2966	253	20	.	.	PUNCT
cblr-2966	254	1	engel	engel	PROPN
cblr-2966	254	2	&	&	CCONJ
cblr-2966	254	3	mccoy	mccoy	PROPN
cblr-2966	254	4	,	,	PUNCT
cblr-2966	254	5	supra	supra	PROPN
cblr-2966	254	6	note	note	PROPN
cblr-2966	254	7	25	25	NUM
cblr-2966	254	8	,	,	PUNCT
cblr-2966	254	9	at	at	ADP
cblr-2966	254	10	2079	2079	NUM
cblr-2966	254	11	(	(	PUNCT
cblr-2966	254	12	arguing	argue	VERB
cblr-2966	254	13	that	that	SCONJ
cblr-2966	254	14	borrowers	borrower	NOUN
cblr-2966	254	15	are	be	AUX
cblr-2966	254	16	left	leave	VERB
cblr-2966	254	17	without	without	ADP
cblr-2966	254	18	full	full	ADJ
cblr-2966	254	19	legal	legal	ADJ
cblr-2966	254	20	relief	relief	NOUN
cblr-2966	254	21	)	)	PUNCT
cblr-2966	254	22	.	.	PUNCT
cblr-2966	255	1	"	"	PUNCT
cblr-2966	255	2	see	see	VERB
cblr-2966	255	3	,	,	PUNCT
cblr-2966	255	4	e.g.	e.g.	ADV
cblr-2966	255	5	,	,	PUNCT
cblr-2966	255	6	bostic	bostic	PROPN
cblr-2966	255	7	et	et	PROPN
cblr-2966	255	8	al	al	PROPN
cblr-2966	255	9	.	.	PROPN
cblr-2966	255	10	,	,	PUNCT
cblr-2966	255	11	supra	supra	PROPN
cblr-2966	255	12	note	note	PROPN
cblr-2966	255	13	7	7	NUM
cblr-2966	255	14	;	;	PUNCT
cblr-2966	255	15	engel	engel	PROPN
cblr-2966	255	16	&	&	CCONJ
cblr-2966	255	17	mccoy	mccoy	PROPN
cblr-2966	255	18	,	,	PUNCT
cblr-2966	255	19	supra	supra	PROPN
cblr-2966	255	20	note	note	PROPN
cblr-2966	255	21	25	25	NUM
cblr-2966	255	22	;	;	PUNCT
cblr-2966	255	23	kiff	kiff	PROPN
cblr-2966	255	24	&	&	CCONJ
cblr-2966	255	25	mills	mills	PROPN
cblr-2966	255	26	,	,	PUNCT
cblr-2966	255	27	supra	supra	PROPN
cblr-2966	255	28	note	note	PROPN
cblr-2966	255	29	17	17	NUM
cblr-2966	255	30	;	;	PUNCT
cblr-2966	256	1	peterson	peterson	NOUN
cblr-2966	256	2	,	,	PUNCT
cblr-2966	256	3	supra	supra	PROPN
cblr-2966	256	4	note	note	PROPN
cblr-2966	256	5	34	34	NUM
cblr-2966	256	6	;	;	PUNCT
cblr-2966	256	7	siddhartha	siddhartha	PROPN
cblr-2966	256	8	venkatesan	venkatesan	NOUN
cblr-2966	256	9	,	,	PUNCT
cblr-2966	256	10	abrogating	abrogate	VERB
cblr-2966	256	11	the	the	DET
cblr-2966	256	12	holder	holder	NOUN
cblr-2966	256	13	in	in	ADP
cblr-2966	256	14	due	due	ADJ
cblr-2966	256	15	course	course	NOUN
cblr-2966	256	16	doctrine	doctrine	NOUN
cblr-2966	256	17	in	in	ADP
cblr-2966	256	18	subprime	subprime	ADJ
cblr-2966	256	19	mortgage	mortgage	NOUN
cblr-2966	256	20	transactions	transaction	NOUN
cblr-2966	256	21	to	to	PART
cblr-2966	256	22	more	more	ADV
cblr-2966	256	23	effectively	effectively	ADV
cblr-2966	256	24	police	police	NOUN
cblr-2966	256	25	predatory	predatory	ADJ
cblr-2966	256	26	lending	lending	NOUN
cblr-2966	256	27	,	,	PUNCT
cblr-2966	256	28	7	7	NUM
cblr-2966	256	29	n.y.u	n.y.u	NOUN
cblr-2966	256	30	.	.	PUNCT
cblr-2966	257	1	j.	j.	PROPN
cblr-2966	257	2	int'l	int'l	PROPN
cblr-2966	257	3	l.	l.	PROPN
cblr-2966	257	4	&	&	CCONJ
cblr-2966	257	5	pol	pol	PROPN
cblr-2966	257	6	.	.	PUNCT
cblr-2966	258	1	177	177	NUM
cblr-2966	258	2	(	(	PUNCT
cblr-2966	258	3	2003	2003	NUM
cblr-2966	258	4	)	)	PUNCT
cblr-2966	258	5	;	;	PUNCT
cblr-2966	258	6	weiner	weiner	NOUN
cblr-2966	258	7	,	,	PUNCT
cblr-2966	258	8	supra	supra	PROPN
cblr-2966	258	9	note	note	NOUN
cblr-2966	258	10	14	14	NUM
cblr-2966	258	11	.	.	PUNCT
cblr-2966	259	1	stuart	stuart	PROPN
cblr-2966	259	2	m.	m.	PROPN
cblr-2966	259	3	saft	saft	PROPN
cblr-2966	259	4	,	,	PUNCT
cblr-2966	259	5	the	the	DET
cblr-2966	259	6	anti	anti	ADJ
cblr-2966	259	7	-	-	ADJ
cblr-2966	259	8	mortgage	mortgage	ADJ
cblr-2966	259	9	lending	lending	NOUN
cblr-2966	259	10	act	act	NOUN
cblr-2966	259	11	,	,	PUNCT
cblr-2966	259	12	wall	wall	PROPN
cblr-2966	259	13	st	st	PROPN
cblr-2966	259	14	.	.	PROPN
cblr-2966	259	15	j.	j.	PROPN
cblr-2966	259	16	,	,	PUNCT
cblr-2966	259	17	nov	nov	PROPN
cblr-2966	259	18	.	.	PROPN
cblr-2966	259	19	10	10	NUM
cblr-2966	259	20	,	,	PUNCT
cblr-2966	259	21	2007	2007	NUM
cblr-2966	259	22	,	,	PUNCT
cblr-2966	259	23	at	at	ADP
cblr-2966	259	24	a10	a10	NOUN
cblr-2966	259	25	(	(	PUNCT
cblr-2966	259	26	reviving	revive	VERB
cblr-2966	259	27	the	the	DET
cblr-2966	259	28	mortgage	mortgage	NOUN
cblr-2966	259	29	reform	reform	NOUN
cblr-2966	259	30	and	and	CCONJ
cblr-2966	259	31	anti	anti	ADJ
cblr-2966	259	32	-	-	ADJ
cblr-2966	259	33	predatory	predatory	ADJ
cblr-2966	259	34	lending	lending	NOUN
cblr-2966	259	35	act	act	NOUN
cblr-2966	259	36	that	that	PRON
cblr-2966	259	37	was	be	AUX
cblr-2966	259	38	approved	approve	VERB
cblr-2966	259	39	by	by	ADP
cblr-2966	259	40	the	the	DET
cblr-2966	259	41	house	house	PROPN
cblr-2966	259	42	financial	financial	PROPN
cblr-2966	259	43	services	services	PROPN
cblr-2966	259	44	committee	committee	NOUN
cblr-2966	259	45	at	at	ADP
cblr-2966	259	46	the	the	DET
cblr-2966	259	47	beginning	beginning	NOUN
cblr-2966	259	48	of	of	ADP
cblr-2966	259	49	november	november	PROPN
cblr-2966	259	50	)	)	PUNCT
cblr-2966	259	51	.	.	PUNCT
cblr-2966	259	52	"	"	PUNCT
cblr-2966	260	1	currently	currently	ADV
cblr-2966	260	2	,	,	PUNCT
cblr-2966	260	3	the	the	DET
cblr-2966	260	4	federal	federal	ADJ
cblr-2966	260	5	approach	approach	NOUN
cblr-2966	260	6	covers	cover	VERB
cblr-2966	260	7	little	little	ADJ
cblr-2966	260	8	,	,	PUNCT
cblr-2966	260	9	so	so	ADV
cblr-2966	260	10	the	the	DET
cblr-2966	260	11	state	state	NOUN
cblr-2966	260	12	laws	law	NOUN
cblr-2966	260	13	generally	generally	ADV
cblr-2966	260	14	provide	provide	VERB
cblr-2966	260	15	the	the	DET
cblr-2966	260	16	basis	basis	NOUN
cblr-2966	260	17	for	for	ADP
cblr-2966	260	18	analysis	analysis	NOUN
cblr-2966	260	19	.	.	PUNCT
cblr-2966	261	1	what	what	PRON
cblr-2966	261	2	they	they	PRON
cblr-2966	261	3	cover	cover	VERB
cblr-2966	261	4	and	and	CCONJ
cblr-2966	261	5	do	do	AUX
cblr-2966	261	6	not	not	PART
cblr-2966	261	7	cover	cover	VERB
cblr-2966	261	8	is	be	AUX
cblr-2966	261	9	more	more	ADV
cblr-2966	261	10	important	important	ADJ
cblr-2966	261	11	than	than	ADP
cblr-2966	261	12	the	the	DET
cblr-2966	261	13	federal	federal	ADJ
cblr-2966	261	14	law	law	NOUN
cblr-2966	261	15	because	because	SCONJ
cblr-2966	261	16	they	they	PRON
cblr-2966	261	17	usually	usually	ADV
cblr-2966	261	18	are	be	AUX
cblr-2966	261	19	triggered	trigger	VERB
cblr-2966	261	20	first	first	ADV
cblr-2966	261	21	.	.	PUNCT
cblr-2966	262	1	60	60	NUM
cblr-2966	262	2	see	see	VERB
cblr-2966	262	3	supra	supra	PROPN
cblr-2966	262	4	notes	note	VERB
cblr-2966	262	5	26	26	NUM
cblr-2966	262	6	-	-	SYM
cblr-2966	262	7	27	27	NUM
cblr-2966	262	8	and	and	CCONJ
cblr-2966	262	9	accompanying	accompany	VERB
cblr-2966	262	10	text	text	NOUN
cblr-2966	262	11	.	.	PUNCT
cblr-2966	263	1	no	no	INTJ
cblr-2966	263	2	.	.	PUNCT
cblr-2966	264	1	3:1021	3:1021	NUM
cblr-2966	264	2	]	]	X
cblr-2966	264	3	rethinking	rethink	VERB
cblr-2966	264	4	assignee	assignee	NOUN
cblr-2966	264	5	liability	liability	NOUN
cblr-2966	264	6	columbia	columbia	PROPN
cblr-2966	264	7	business	business	PROPN
cblr-2966	264	8	law	law	PROPN
cblr-2966	264	9	review	review	NOUN
cblr-2966	264	10	liable	liable	ADJ
cblr-2966	264	11	for	for	ADP
cblr-2966	264	12	any	any	DET
cblr-2966	264	13	loans	loan	NOUN
cblr-2966	264	14	they	they	PRON
cblr-2966	264	15	make	make	VERB
cblr-2966	264	16	that	that	PRON
cblr-2966	264	17	have	have	VERB
cblr-2966	264	18	these	these	DET
cblr-2966	264	19	characteristics	characteristic	NOUN
cblr-2966	264	20	under	under	ADP
cblr-2966	264	21	virtually	virtually	ADV
cblr-2966	264	22	any	any	DET
cblr-2966	264	23	predatory	predatory	ADJ
cblr-2966	264	24	lending	lending	NOUN
cblr-2966	264	25	law	law	NOUN
cblr-2966	264	26	.	.	PUNCT
cblr-2966	265	1	yet	yet	ADV
cblr-2966	265	2	,	,	PUNCT
cblr-2966	265	3	the	the	DET
cblr-2966	265	4	important	important	ADJ
cblr-2966	265	5	provisions	provision	NOUN
cblr-2966	265	6	include	include	VERB
cblr-2966	265	7	what	what	PRON
cblr-2966	265	8	practices	practice	VERB
cblr-2966	265	9	the	the	DET
cblr-2966	265	10	law	law	NOUN
cblr-2966	265	11	transfers	transfer	NOUN
cblr-2966	265	12	to	to	ADP
cblr-2966	265	13	assignees	assignee	NOUN
cblr-2966	265	14	.	.	PUNCT
cblr-2966	266	1	the	the	DET
cblr-2966	266	2	illinois	illinois	PROPN
cblr-2966	266	3	high	high	ADJ
cblr-2966	266	4	risk	risk	NOUN
cblr-2966	266	5	home	home	NOUN
cblr-2966	266	6	loan	loan	NOUN
cblr-2966	266	7	act	act	NOUN
cblr-2966	266	8	demonstrates	demonstrate	VERB
cblr-2966	266	9	a	a	DET
cblr-2966	266	10	typical	typical	ADJ
cblr-2966	266	11	predatory	predatory	ADJ
cblr-2966	266	12	lending	lending	NOUN
cblr-2966	266	13	law	law	NOUN
cblr-2966	266	14	with	with	ADP
cblr-2966	266	15	assignee	assignee	NOUN
cblr-2966	266	16	liability	liability	NOUN
cblr-2966	266	17	.	.	PUNCT
cblr-2966	267	1	the	the	DET
cblr-2966	267	2	law	law	NOUN
cblr-2966	267	3	allows	allow	VERB
cblr-2966	267	4	borrowers	borrower	NOUN
cblr-2966	267	5	to	to	PART
cblr-2966	267	6	assert	assert	VERB
cblr-2966	267	7	all	all	DET
cblr-2966	267	8	affirmative	affirmative	ADJ
cblr-2966	267	9	claims	claim	NOUN
cblr-2966	267	10	and	and	CCONJ
cblr-2966	267	11	defenses	defense	NOUN
cblr-2966	267	12	they	they	PRON
cblr-2966	267	13	would	would	AUX
cblr-2966	267	14	have	have	VERB
cblr-2966	267	15	against	against	ADP
cblr-2966	267	16	the	the	DET
cblr-2966	267	17	originator	originator	NOUN
cblr-2966	267	18	also	also	ADV
cblr-2966	267	19	against	against	ADP
cblr-2966	267	20	an	an	DET
cblr-2966	267	21	assignee	assignee	NOUN
cblr-2966	267	22	,	,	PUNCT
cblr-2966	267	23	so	so	ADV
cblr-2966	267	24	long	long	ADV
cblr-2966	267	25	as	as	SCONJ
cblr-2966	267	26	the	the	DET
cblr-2966	267	27	underlying	underlying	ADJ
cblr-2966	267	28	loan	loan	NOUN
cblr-2966	267	29	is	be	AUX
cblr-2966	267	30	a	a	DET
cblr-2966	267	31	"	"	PUNCT
cblr-2966	267	32	high	high	ADJ
cblr-2966	267	33	risk	risk	NOUN
cblr-2966	267	34	home	home	NOUN
cblr-2966	267	35	loan	loan	NOUN
cblr-2966	267	36	.	.	PUNCT
cblr-2966	268	1	"6	"6	VERB
cblr-2966	268	2	'	'	PUNCT
cblr-2966	268	3	the	the	DET
cblr-2966	268	4	statute	statute	NOUN
cblr-2966	268	5	defines	define	VERB
cblr-2966	268	6	the	the	DET
cblr-2966	268	7	term	term	NOUN
cblr-2966	268	8	as	as	ADP
cblr-2966	268	9	loans	loan	NOUN
cblr-2966	268	10	with	with	ADP
cblr-2966	268	11	interest	interest	NOUN
cblr-2966	268	12	rates	rate	NOUN
cblr-2966	268	13	6	6	NUM
cblr-2966	268	14	%	%	NOUN
cblr-2966	268	15	or	or	CCONJ
cblr-2966	268	16	8	8	NUM
cblr-2966	268	17	%	%	NOUN
cblr-2966	268	18	higher	high	ADJ
cblr-2966	268	19	than	than	ADP
cblr-2966	268	20	a	a	DET
cblr-2966	268	21	comparable	comparable	ADJ
cblr-2966	268	22	treasury	treasury	NOUN
cblr-2966	268	23	loan	loan	NOUN
cblr-2966	268	24	,	,	PUNCT
cblr-2966	268	25	depending	depend	VERB
cblr-2966	268	26	on	on	ADP
cblr-2966	268	27	whether	whether	SCONJ
cblr-2966	268	28	it	it	PRON
cblr-2966	268	29	is	be	AUX
cblr-2966	268	30	a	a	DET
cblr-2966	268	31	first	first	ADJ
cblr-2966	268	32	or	or	CCONJ
cblr-2966	268	33	second	second	ADJ
cblr-2966	268	34	lien	lien	NOUN
cblr-2966	268	35	,	,	PUNCT
cblr-2966	268	36	respectively.2	respectively.2	VERB
cblr-2966	268	37	so	so	ADV
cblr-2966	268	38	,	,	PUNCT
cblr-2966	268	39	if	if	SCONJ
cblr-2966	268	40	a	a	DET
cblr-2966	268	41	loan	loan	NOUN
cblr-2966	268	42	has	have	VERB
cblr-2966	268	43	any	any	DET
cblr-2966	268	44	of	of	ADP
cblr-2966	268	45	the	the	DET
cblr-2966	268	46	characteristics	characteristic	NOUN
cblr-2966	268	47	just	just	ADV
cblr-2966	268	48	mentioned	mention	VERB
cblr-2966	268	49	-	-	PUNCT
cblr-2966	268	50	balloon	balloon	NOUN
cblr-2966	268	51	payments	payment	NOUN
cblr-2966	268	52	,	,	PUNCT
cblr-2966	268	53	negative	negative	ADJ
cblr-2966	268	54	amortization	amortization	NOUN
cblr-2966	268	55	,	,	PUNCT
cblr-2966	268	56	etc	etc	X
cblr-2966	268	57	.	.	X
cblr-2966	269	1	the	the	DET
cblr-2966	269	2	assignee	assignee	NOUN
cblr-2966	269	3	can	can	AUX
cblr-2966	269	4	be	be	AUX
cblr-2966	269	5	liable	liable	ADJ
cblr-2966	269	6	,	,	PUNCT
cblr-2966	269	7	but	but	CCONJ
cblr-2966	269	8	only	only	ADV
cblr-2966	269	9	if	if	SCONJ
cblr-2966	269	10	the	the	DET
cblr-2966	269	11	interest	interest	NOUN
cblr-2966	269	12	rate	rate	NOUN
cblr-2966	269	13	on	on	ADP
cblr-2966	269	14	the	the	DET
cblr-2966	269	15	loan	loan	NOUN
cblr-2966	269	16	exceeds	exceed	VERB
cblr-2966	269	17	the	the	DET
cblr-2966	269	18	threshold	threshold	NOUN
cblr-2966	269	19	.	.	PUNCT
cblr-2966	270	1	however	however	ADV
cblr-2966	270	2	,	,	PUNCT
cblr-2966	270	3	the	the	DET
cblr-2966	270	4	law	law	NOUN
cblr-2966	270	5	also	also	ADV
cblr-2966	270	6	offers	offer	VERB
cblr-2966	270	7	due	due	ADJ
cblr-2966	270	8	diligence	diligence	NOUN
cblr-2966	270	9	protection	protection	NOUN
cblr-2966	270	10	for	for	ADP
cblr-2966	270	11	the	the	DET
cblr-2966	270	12	assignee	assignee	NOUN
cblr-2966	270	13	.	.	PUNCT
cblr-2966	271	1	assignees	assignee	NOUN
cblr-2966	271	2	may	may	AUX
cblr-2966	271	3	avoid	avoid	VERB
cblr-2966	271	4	liability	liability	NOUN
cblr-2966	271	5	by	by	ADP
cblr-2966	271	6	demonstrating	demonstrate	VERB
cblr-2966	271	7	that	that	SCONJ
cblr-2966	271	8	they	they	PRON
cblr-2966	271	9	:	:	PUNCT
cblr-2966	271	10	(	(	PUNCT
cblr-2966	271	11	1	1	X
cblr-2966	271	12	)	)	PUNCT
cblr-2966	271	13	have	have	VERB
cblr-2966	271	14	a	a	DET
cblr-2966	271	15	policy	policy	NOUN
cblr-2966	271	16	against	against	ADP
cblr-2966	271	17	purchasing	purchase	VERB
cblr-2966	271	18	"	"	PUNCT
cblr-2966	271	19	high	high	ADJ
cblr-2966	271	20	risk	risk	NOUN
cblr-2966	271	21	loans	loan	NOUN
cblr-2966	271	22	,	,	PUNCT
cblr-2966	271	23	"	"	PUNCT
cblr-2966	271	24	(	(	PUNCT
cblr-2966	271	25	2	2	X
cblr-2966	271	26	)	)	PUNCT
cblr-2966	271	27	require	require	VERB
cblr-2966	271	28	the	the	DET
cblr-2966	271	29	originator	originator	NOUN
cblr-2966	271	30	,	,	PUNCT
cblr-2966	271	31	by	by	ADP
cblr-2966	271	32	contract	contract	NOUN
cblr-2966	271	33	,	,	PUNCT
cblr-2966	271	34	not	not	PART
cblr-2966	271	35	to	to	PART
cblr-2966	271	36	sell	sell	VERB
cblr-2966	271	37	such	such	ADJ
cblr-2966	271	38	loans	loan	NOUN
cblr-2966	271	39	to	to	ADP
cblr-2966	271	40	them	they	PRON
cblr-2966	271	41	,	,	PUNCT
cblr-2966	271	42	and	and	CCONJ
cblr-2966	271	43	(	(	PUNCT
cblr-2966	271	44	3	3	X
cblr-2966	271	45	)	)	PUNCT
cblr-2966	271	46	exercise	exercise	NOUN
cblr-2966	271	47	"	"	PUNCT
cblr-2966	271	48	reasonable	reasonable	ADJ
cblr-2966	271	49	"	"	PUNCT
cblr-2966	271	50	due	due	ADJ
cblr-2966	271	51	diligence	diligence	NOUN
cblr-2966	271	52	based	base	VERB
cblr-2966	271	53	on	on	ADP
cblr-2966	271	54	a	a	DET
cblr-2966	271	55	sampling	sampling	NOUN
cblr-2966	271	56	of	of	ADP
cblr-2966	271	57	the	the	DET
cblr-2966	271	58	loans	loan	NOUN
cblr-2966	271	59	.	.	PUNCT
cblr-2966	272	1	the	the	DET
cblr-2966	272	2	law	law	NOUN
cblr-2966	272	3	offers	offer	VERB
cblr-2966	272	4	even	even	ADV
cblr-2966	272	5	more	more	ADJ
cblr-2966	272	6	protection	protection	NOUN
cblr-2966	272	7	in	in	ADP
cblr-2966	272	8	the	the	DET
cblr-2966	272	9	form	form	NOUN
cblr-2966	272	10	of	of	ADP
cblr-2966	272	11	a	a	DET
cblr-2966	272	12	"	"	PUNCT
cblr-2966	272	13	shield	shield	NOUN
cblr-2966	272	14	provision	provision	NOUN
cblr-2966	272	15	.	.	PUNCT
cblr-2966	272	16	"	"	PUNCT
cblr-2966	273	1	the	the	DET
cblr-2966	273	2	"	"	PUNCT
cblr-2966	273	3	shield	shield	NOUN
cblr-2966	273	4	provision	provision	NOUN
cblr-2966	273	5	"	"	PUNCT
cblr-2966	273	6	allows	allow	VERB
cblr-2966	273	7	an	an	DET
cblr-2966	273	8	assignee	assignee	NOUN
cblr-2966	273	9	to	to	PART
cblr-2966	273	10	"	"	PUNCT
cblr-2966	273	11	buy	buy	VERB
cblr-2966	273	12	"	"	PUNCT
cblr-2966	273	13	itself	itself	PRON
cblr-2966	273	14	out	out	ADP
cblr-2966	273	15	of	of	ADP
cblr-2966	273	16	liability	liability	NOUN
cblr-2966	273	17	by	by	ADP
cblr-2966	273	18	paying	pay	VERB
cblr-2966	273	19	restitution	restitution	NOUN
cblr-2966	273	20	necessary	necessary	ADJ
cblr-2966	273	21	to	to	PART
cblr-2966	273	22	remove	remove	VERB
cblr-2966	273	23	a	a	DET
cblr-2966	273	24	loan	loan	NOUN
cblr-2966	273	25	from	from	ADP
cblr-2966	273	26	the	the	DET
cblr-2966	273	27	category	category	NOUN
cblr-2966	273	28	of	of	ADP
cblr-2966	273	29	"	"	PUNCT
cblr-2966	273	30	high	high	ADJ
cblr-2966	273	31	risk	risk	NOUN
cblr-2966	273	32	"	"	PUNCT
cblr-2966	273	33	and	and	CCONJ
cblr-2966	273	34	by	by	ADP
cblr-2966	273	35	proving	prove	VERB
cblr-2966	273	36	that	that	SCONJ
cblr-2966	273	37	acceptance	acceptance	NOUN
cblr-2966	273	38	of	of	ADP
cblr-2966	273	39	the	the	DET
cblr-2966	273	40	"	"	PUNCT
cblr-2966	273	41	high	high	ADJ
cblr-2966	273	42	risk	risk	NOUN
cblr-2966	273	43	"	"	PUNCT
cblr-2966	273	44	loan	loan	NOUN
cblr-2966	273	45	was	be	AUX
cblr-2966	273	46	unintentional.64	unintentional.64	PROPN
cblr-2966	273	47	finally	finally	ADV
cblr-2966	273	48	,	,	PUNCT
cblr-2966	273	49	the	the	DET
cblr-2966	273	50	illinois	illinois	PROPN
cblr-2966	273	51	act	act	PROPN
cblr-2966	273	52	caps	cap	NOUN
cblr-2966	273	53	assignee	assignee	NOUN
cblr-2966	273	54	damages	damage	NOUN
cblr-2966	273	55	at	at	ADP
cblr-2966	273	56	the	the	DET
cblr-2966	273	57	amount	amount	NOUN
cblr-2966	273	58	of	of	ADP
cblr-2966	273	59	remaining	remain	VERB
cblr-2966	273	60	indebtedness	indebtedness	NOUN
cblr-2966	273	61	plus	plus	CCONJ
cblr-2966	273	62	costs	cost	NOUN
cblr-2966	273	63	including	include	VERB
cblr-2966	273	64	attorneys	attorney	NOUN
cblr-2966	273	65	'	'	PART
cblr-2966	273	66	fees	fee	NOUN
cblr-2966	273	67	.	.	PUNCT
cblr-2966	274	1	5	5	NUM
cblr-2966	274	2	61	61	NUM
cblr-2966	274	3	see	see	VERB
cblr-2966	274	4	815	815	NUM
cblr-2966	274	5	ill	ill	ADJ
cblr-2966	274	6	.	.	PUNCT
cblr-2966	275	1	comp	comp	PROPN
cblr-2966	275	2	.	.	PUNCT
cblr-2966	276	1	stat	stat	PROPN
cblr-2966	276	2	.	.	PUNCT
cblr-2966	277	1	137/135(d)(1	137/135(d)(1	X
cblr-2966	277	2	)	)	PUNCT
cblr-2966	277	3	(	(	PUNCT
cblr-2966	277	4	2007	2007	NUM
cblr-2966	277	5	)	)	PUNCT
cblr-2966	277	6	.	.	PUNCT
cblr-2966	278	1	62	62	NUM
cblr-2966	278	2	note	note	VERB
cblr-2966	278	3	that	that	SCONJ
cblr-2966	278	4	charging	charge	VERB
cblr-2966	278	5	fees	fee	NOUN
cblr-2966	278	6	or	or	CCONJ
cblr-2966	278	7	closing	closing	NOUN
cblr-2966	278	8	costs	cost	NOUN
cblr-2966	278	9	greater	great	ADJ
cblr-2966	278	10	than	than	ADP
cblr-2966	278	11	5	5	NUM
cblr-2966	278	12	%	%	NOUN
cblr-2966	278	13	of	of	ADP
cblr-2966	278	14	the	the	DET
cblr-2966	278	15	value	value	NOUN
cblr-2966	278	16	of	of	ADP
cblr-2966	278	17	the	the	DET
cblr-2966	278	18	loan	loan	NOUN
cblr-2966	278	19	also	also	ADV
cblr-2966	278	20	makes	make	VERB
cblr-2966	278	21	a	a	DET
cblr-2966	278	22	loan	loan	NOUN
cblr-2966	278	23	"	"	PUNCT
cblr-2966	278	24	high	high	ADJ
cblr-2966	278	25	risk	risk	NOUN
cblr-2966	278	26	.	.	PUNCT
cblr-2966	278	27	"	"	PUNCT
cblr-2966	278	28	see	see	VERB
cblr-2966	278	29	815	815	NUM
cblr-2966	278	30	ill	ill	ADJ
cblr-2966	278	31	.	.	PUNCT
cblr-2966	279	1	comp	comp	PROPN
cblr-2966	279	2	.	.	PUNCT
cblr-2966	280	1	stat	stat	PROPN
cblr-2966	280	2	.	.	PUNCT
cblr-2966	281	1	137/10	137/10	NUM
cblr-2966	281	2	(	(	PUNCT
cblr-2966	281	3	2007	2007	NUM
cblr-2966	281	4	)	)	PUNCT
cblr-2966	281	5	.	.	PUNCT
cblr-2966	282	1	see	see	VERB
cblr-2966	282	2	815	815	NUM
cblr-2966	282	3	ill	ill	ADJ
cblr-2966	282	4	.	.	PUNCT
cblr-2966	283	1	comp	comp	PROPN
cblr-2966	283	2	.	.	PUNCT
cblr-2966	284	1	stat	stat	PROPN
cblr-2966	284	2	.	.	PUNCT
cblr-2966	285	1	137/135(d)(1	137/135(d)(1	X
cblr-2966	285	2	)	)	PUNCT
cblr-2966	285	3	(	(	PUNCT
cblr-2966	285	4	2007	2007	NUM
cblr-2966	285	5	)	)	PUNCT
cblr-2966	285	6	.	.	PUNCT
cblr-2966	286	1	see	see	VERB
cblr-2966	286	2	815	815	NUM
cblr-2966	286	3	ill	ill	ADJ
cblr-2966	286	4	.	.	PUNCT
cblr-2966	287	1	comp	comp	PROPN
cblr-2966	287	2	.	.	PUNCT
cblr-2966	288	1	stat	stat	PROPN
cblr-2966	288	2	.	.	PUNCT
cblr-2966	289	1	137/135(e	137/135(e	NUM
cblr-2966	289	2	)	)	PUNCT
cblr-2966	289	3	(	(	PUNCT
cblr-2966	289	4	2007	2007	NUM
cblr-2966	289	5	)	)	PUNCT
cblr-2966	289	6	.	.	PUNCT
cblr-2966	290	1	6	6	NUM
cblr-2966	290	2	'	'	PUNCT
cblr-2966	290	3	see	see	VERB
cblr-2966	290	4	815	815	NUM
cblr-2966	290	5	ill	ill	ADJ
cblr-2966	290	6	.	.	PUNCT
cblr-2966	291	1	comp	comp	PROPN
cblr-2966	291	2	.	.	PUNCT
cblr-2966	292	1	stat	stat	PROPN
cblr-2966	292	2	.	.	PUNCT
cblr-2966	293	1	137/135(d)(2	137/135(d)(2	X
cblr-2966	293	2	)	)	PUNCT
cblr-2966	293	3	(	(	PUNCT
cblr-2966	293	4	2007	2007	NUM
cblr-2966	293	5	)	)	PUNCT
cblr-2966	293	6	.	.	PUNCT
cblr-2966	294	1	[	[	X
cblr-2966	294	2	vol	vol	NOUN
cblr-2966	294	3	.	.	PUNCT
cblr-2966	294	4	2008	2008	NUM
cblr-2966	295	1	rethinking	rethink	VERB
cblr-2966	295	2	assignee	assignee	NOUN
cblr-2966	295	3	liability	liability	NOUN
cblr-2966	295	4	a.	a.	NOUN
cblr-2966	295	5	federal	federal	ADJ
cblr-2966	295	6	solutions	solution	NOUN
cblr-2966	295	7	:	:	PUNCT
cblr-2966	295	8	the	the	DET
cblr-2966	295	9	weak	weak	ADJ
cblr-2966	295	10	federal	federal	ADJ
cblr-2966	295	11	approach	approach	NOUN
cblr-2966	295	12	at	at	ADP
cblr-2966	295	13	the	the	DET
cblr-2966	295	14	federal	federal	ADJ
cblr-2966	295	15	level	level	NOUN
cblr-2966	295	16	,	,	PUNCT
cblr-2966	295	17	there	there	PRON
cblr-2966	295	18	are	be	VERB
cblr-2966	295	19	three	three	NUM
cblr-2966	295	20	pertinent	pertinent	ADJ
cblr-2966	295	21	laws	law	NOUN
cblr-2966	295	22	governing	govern	VERB
cblr-2966	295	23	the	the	DET
cblr-2966	295	24	mortgage	mortgage	NOUN
cblr-2966	295	25	market	market	NOUN
cblr-2966	295	26	.	.	PUNCT
cblr-2966	296	1	these	these	DET
cblr-2966	296	2	laws	law	NOUN
cblr-2966	296	3	are	be	AUX
cblr-2966	296	4	ineffective	ineffective	ADJ
cblr-2966	296	5	.	.	PUNCT
cblr-2966	297	1	primarily	primarily	ADV
cblr-2966	297	2	,	,	PUNCT
cblr-2966	297	3	the	the	DET
cblr-2966	297	4	home	home	NOUN
cblr-2966	297	5	ownership	ownership	NOUN
cblr-2966	297	6	and	and	CCONJ
cblr-2966	297	7	equity	equity	NOUN
cblr-2966	297	8	protection	protection	PROPN
cblr-2966	297	9	act	act	PROPN
cblr-2966	297	10	(	(	PUNCT
cblr-2966	297	11	"	"	PUNCT
cblr-2966	297	12	hoepa	hoepa	NOUN
cblr-2966	297	13	"	"	PUNCT
cblr-2966	297	14	)	)	PUNCT
cblr-2966	297	15	is	be	AUX
cblr-2966	297	16	a	a	DET
cblr-2966	297	17	narrow	narrow	ADJ
cblr-2966	297	18	measure	measure	NOUN
cblr-2966	297	19	that	that	PRON
cblr-2966	297	20	prohibits	prohibit	VERB
cblr-2966	297	21	many	many	ADJ
cblr-2966	297	22	predatory	predatory	NOUN
cblr-2966	297	23	practices.66	practices.66	NOUN
cblr-2966	297	24	hoepa	hoepa	NOUN
cblr-2966	297	25	includes	include	VERB
cblr-2966	297	26	assignee	assignee	NOUN
cblr-2966	297	27	liability	liability	NOUN
cblr-2966	297	28	,	,	PUNCT
cblr-2966	297	29	allowing	allow	VERB
cblr-2966	297	30	a	a	DET
cblr-2966	297	31	borrower	borrower	NOUN
cblr-2966	297	32	to	to	PART
cblr-2966	297	33	collect	collect	VERB
cblr-2966	297	34	against	against	ADP
cblr-2966	297	35	the	the	DET
cblr-2966	297	36	trusts	trust	NOUN
cblr-2966	297	37	for	for	ADP
cblr-2966	297	38	the	the	DET
cblr-2966	297	39	remaining	remain	VERB
cblr-2966	297	40	balance	balance	NOUN
cblr-2966	297	41	of	of	ADP
cblr-2966	297	42	the	the	DET
cblr-2966	297	43	loan	loan	NOUN
cblr-2966	297	44	,	,	PUNCT
cblr-2966	297	45	plus	plus	CCONJ
cblr-2966	297	46	principal	principal	NOUN
cblr-2966	297	47	paid	pay	VERB
cblr-2966	297	48	,	,	PUNCT
cblr-2966	297	49	attorneys	attorney	NOUN
cblr-2966	297	50	'	'	PART
cblr-2966	297	51	fees	fee	NOUN
cblr-2966	297	52	,	,	PUNCT
cblr-2966	297	53	and	and	CCONJ
cblr-2966	297	54	costs.67	costs.67	VERB
cblr-2966	297	55	however	however	ADV
cblr-2966	297	56	,	,	PUNCT
cblr-2966	297	57	hoepa	hoepa	NOUN
cblr-2966	297	58	assignee	assignee	NOUN
cblr-2966	297	59	liability	liability	NOUN
cblr-2966	297	60	only	only	ADV
cblr-2966	297	61	applies	apply	VERB
cblr-2966	297	62	to	to	ADP
cblr-2966	297	63	refinancing	refinance	VERB
cblr-2966	297	64	,	,	PUNCT
cblr-2966	297	65	and	and	CCONJ
cblr-2966	297	66	even	even	ADV
cblr-2966	297	67	then	then	ADV
cblr-2966	297	68	,	,	PUNCT
cblr-2966	297	69	only	only	ADV
cblr-2966	297	70	to	to	ADP
cblr-2966	297	71	"	"	PUNCT
cblr-2966	297	72	high	high	ADJ
cblr-2966	297	73	cost	cost	NOUN
cblr-2966	297	74	"	"	PUNCT
cblr-2966	297	75	loans	loan	NOUN
cblr-2966	297	76	.	.	PUNCT
cblr-2966	298	1	the	the	DET
cblr-2966	298	2	statute	statute	NOUN
cblr-2966	298	3	defines	define	VERB
cblr-2966	298	4	"	"	PUNCT
cblr-2966	298	5	high	high	ADJ
cblr-2966	298	6	cost	cost	NOUN
cblr-2966	298	7	"	"	PUNCT
cblr-2966	298	8	as	as	ADP
cblr-2966	298	9	loans	loan	NOUN
cblr-2966	298	10	with	with	ADP
cblr-2966	298	11	an	an	DET
cblr-2966	298	12	interest	interest	NOUN
cblr-2966	298	13	rate	rate	NOUN
cblr-2966	298	14	8	8	NUM
cblr-2966	298	15	%	%	NOUN
cblr-2966	298	16	greater	great	ADJ
cblr-2966	298	17	than	than	ADP
cblr-2966	298	18	a	a	DET
cblr-2966	298	19	comparable	comparable	ADJ
cblr-2966	298	20	treasury	treasury	NOUN
cblr-2966	298	21	security	security	NOUN
cblr-2966	298	22	for	for	ADP
cblr-2966	298	23	a	a	DET
cblr-2966	298	24	first	first	ADJ
cblr-2966	298	25	lien	lien	NOUN
cblr-2966	298	26	or	or	CCONJ
cblr-2966	298	27	10	10	NUM
cblr-2966	298	28	%	%	NOUN
cblr-2966	298	29	for	for	ADP
cblr-2966	298	30	a	a	DET
cblr-2966	298	31	second	second	ADJ
cblr-2966	298	32	lien	lien	NOUN
cblr-2966	298	33	.	.	PUNCT
cblr-2966	299	1	alternatively	alternatively	ADV
cblr-2966	299	2	,	,	PUNCT
cblr-2966	299	3	a	a	DET
cblr-2966	299	4	loan	loan	NOUN
cblr-2966	299	5	is	be	AUX
cblr-2966	299	6	"	"	PUNCT
cblr-2966	299	7	high	high	ADJ
cblr-2966	299	8	cost	cost	NOUN
cblr-2966	299	9	"	"	PUNCT
cblr-2966	299	10	if	if	SCONJ
cblr-2966	299	11	the	the	DET
cblr-2966	299	12	total	total	ADJ
cblr-2966	299	13	points	point	NOUN
cblr-2966	299	14	and	and	CCONJ
cblr-2966	299	15	fees	fee	NOUN
cblr-2966	299	16	exceed	exceed	VERB
cblr-2966	299	17	8	8	NUM
cblr-2966	299	18	%	%	NOUN
cblr-2966	299	19	of	of	ADP
cblr-2966	299	20	the	the	DET
cblr-2966	299	21	loan	loan	NOUN
cblr-2966	299	22	or	or	CCONJ
cblr-2966	299	23	$	$	SYM
cblr-2966	299	24	400.68	400.68	NUM
cblr-2966	299	25	"	"	PUNCT
cblr-2966	299	26	high	high	ADJ
cblr-2966	299	27	cost	cost	NOUN
cblr-2966	299	28	"	"	PUNCT
cblr-2966	299	29	loans	loan	NOUN
cblr-2966	299	30	,	,	PUNCT
cblr-2966	299	31	and	and	CCONJ
cblr-2966	299	32	thus	thus	ADV
cblr-2966	299	33	hoepa	hoepa	NOUN
cblr-2966	299	34	assignee	assignee	NOUN
cblr-2966	299	35	liability	liability	NOUN
cblr-2966	299	36	coverage	coverage	NOUN
cblr-2966	299	37	,	,	PUNCT
cblr-2966	299	38	amount	amount	VERB
cblr-2966	299	39	to	to	ADP
cblr-2966	299	40	less	less	ADJ
cblr-2966	299	41	than	than	ADP
cblr-2966	299	42	1	1	NUM
cblr-2966	299	43	%	%	NOUN
cblr-2966	299	44	of	of	ADP
cblr-2966	299	45	all	all	DET
cblr-2966	299	46	originations	origination	NOUN
cblr-2966	299	47	.	.	PUNCT
cblr-2966	300	1	9	9	NUM
cblr-2966	300	2	second	second	NOUN
cblr-2966	300	3	,	,	PUNCT
cblr-2966	300	4	the	the	DET
cblr-2966	300	5	fair	fair	ADJ
cblr-2966	300	6	housing	housing	NOUN
cblr-2966	300	7	act	act	NOUN
cblr-2966	300	8	(	(	PUNCT
cblr-2966	300	9	"	"	PUNCT
cblr-2966	300	10	fha	fha	PROPN
cblr-2966	300	11	"	"	PUNCT
cblr-2966	300	12	)	)	PUNCT
cblr-2966	300	13	and	and	CCONJ
cblr-2966	300	14	the	the	DET
cblr-2966	300	15	equal	equal	ADJ
cblr-2966	300	16	credit	credit	NOUN
cblr-2966	300	17	opportunity	opportunity	NOUN
cblr-2966	300	18	act	act	NOUN
cblr-2966	300	19	(	(	PUNCT
cblr-2966	300	20	"	"	PUNCT
cblr-2966	300	21	ecoa	ecoa	NOUN
cblr-2966	300	22	"	"	PUNCT
cblr-2966	300	23	)	)	PUNCT
cblr-2966	300	24	prohibit	prohibit	VERB
cblr-2966	300	25	race	race	NOUN
cblr-2966	300	26	,	,	PUNCT
cblr-2966	300	27	gender	gender	NOUN
cblr-2966	300	28	,	,	PUNCT
cblr-2966	300	29	or	or	CCONJ
cblr-2966	300	30	religious	religious	ADJ
cblr-2966	300	31	discrimination	discrimination	NOUN
cblr-2966	300	32	in	in	ADP
cblr-2966	300	33	the	the	DET
cblr-2966	300	34	provision	provision	NOUN
cblr-2966	300	35	of	of	ADP
cblr-2966	300	36	housing	housing	NOUN
cblr-2966	300	37	financing	financing	NOUN
cblr-2966	300	38	.	.	PUNCT
cblr-2966	301	1	°	°	NUM
cblr-2966	301	2	either	either	CCONJ
cblr-2966	301	3	disparate	disparate	ADJ
cblr-2966	301	4	treatment	treatment	NOUN
cblr-2966	301	5	or	or	CCONJ
cblr-2966	301	6	disparate	disparate	ADJ
cblr-2966	301	7	impact	impact	NOUN
cblr-2966	301	8	is	be	AUX
cblr-2966	301	9	enough	enough	ADJ
cblr-2966	301	10	to	to	PART
cblr-2966	301	11	prove	prove	VERB
cblr-2966	301	12	a	a	DET
cblr-2966	301	13	violation	violation	NOUN
cblr-2966	301	14	under	under	ADP
cblr-2966	301	15	the	the	DET
cblr-2966	301	16	fha	fha	NOUN
cblr-2966	301	17	or	or	CCONJ
cblr-2966	301	18	the	the	DET
cblr-2966	301	19	ecoa.7	ecoa.7	NOUN
cblr-2966	301	20	'	'	PUNCT
cblr-2966	301	21	see	see	VERB
cblr-2966	301	22	15	15	NUM
cblr-2966	301	23	u.s.c	u.s.c	ADJ
cblr-2966	301	24	.	.	PUNCT
cblr-2966	302	1	§	§	PROPN
cblr-2966	302	2	§	§	PROPN
cblr-2966	302	3	1601	1601	NUM
cblr-2966	302	4	-	-	SYM
cblr-2966	302	5	1649	1649	NUM
cblr-2966	302	6	(	(	PUNCT
cblr-2966	302	7	2006	2006	NUM
cblr-2966	302	8	)	)	PUNCT
cblr-2966	302	9	;	;	PUNCT
cblr-2966	302	10	12	12	NUM
cblr-2966	302	11	c.f.r	c.f.r	NOUN
cblr-2966	302	12	.	.	PUNCT
cblr-2966	303	1	§	§	PROPN
cblr-2966	303	2	226.32(d	226.32(d	NUM
cblr-2966	303	3	)	)	PUNCT
cblr-2966	303	4	(	(	PUNCT
cblr-2966	303	5	2007	2007	NUM
cblr-2966	303	6	)	)	PUNCT
cblr-2966	303	7	;	;	PUNCT
cblr-2966	303	8	peterson	peterson	NOUN
cblr-2966	303	9	,	,	PUNCT
cblr-2966	303	10	supra	supra	PROPN
cblr-2966	303	11	note	note	PROPN
cblr-2966	303	12	36	36	NUM
cblr-2966	303	13	,	,	PUNCT
cblr-2966	303	14	at	at	ADP
cblr-2966	303	15	2227	2227	NUM
cblr-2966	303	16	(	(	PUNCT
cblr-2966	303	17	pointing	point	VERB
cblr-2966	303	18	out	out	ADP
cblr-2966	303	19	that	that	SCONJ
cblr-2966	303	20	hoepa	hoepa	NOUN
cblr-2966	303	21	bans	ban	VERB
cblr-2966	303	22	negative	negative	ADJ
cblr-2966	303	23	amortization	amortization	NOUN
cblr-2966	303	24	,	,	PUNCT
cblr-2966	303	25	penalty	penalty	NOUN
cblr-2966	303	26	interest	interest	NOUN
cblr-2966	303	27	increases	increase	NOUN
cblr-2966	303	28	,	,	PUNCT
cblr-2966	303	29	balloon	balloon	NOUN
cblr-2966	303	30	payments	payment	NOUN
cblr-2966	303	31	,	,	PUNCT
cblr-2966	303	32	and	and	CCONJ
cblr-2966	303	33	assetbased	assetbase	VERB
cblr-2966	303	34	lending	lending	NOUN
cblr-2966	303	35	)	)	PUNCT
cblr-2966	303	36	.	.	PUNCT
cblr-2966	304	1	67	67	NUM
cblr-2966	304	2	see	see	VERB
cblr-2966	304	3	15	15	NUM
cblr-2966	304	4	u.s.c	u.s.c	ADJ
cblr-2966	304	5	.	.	PUNCT
cblr-2966	305	1	§	§	PROPN
cblr-2966	305	2	1641	1641	NUM
cblr-2966	305	3	(	(	PUNCT
cblr-2966	305	4	2006	2006	NUM
cblr-2966	305	5	)	)	PUNCT
cblr-2966	305	6	(	(	PUNCT
cblr-2966	305	7	tempering	temper	VERB
cblr-2966	305	8	assignee	assignee	NOUN
cblr-2966	305	9	liability	liability	NOUN
cblr-2966	305	10	by	by	ADP
cblr-2966	305	11	creating	create	VERB
cblr-2966	305	12	essentially	essentially	ADV
cblr-2966	305	13	due	due	ADJ
cblr-2966	305	14	diligence	diligence	NOUN
cblr-2966	305	15	shields	shield	NOUN
cblr-2966	305	16	for	for	ADP
cblr-2966	305	17	any	any	DET
cblr-2966	305	18	violation	violation	NOUN
cblr-2966	305	19	of	of	ADP
cblr-2966	305	20	hoepa	hoepa	NOUN
cblr-2966	305	21	that	that	PRON
cblr-2966	305	22	could	could	AUX
cblr-2966	305	23	not	not	PART
cblr-2966	305	24	be	be	AUX
cblr-2966	305	25	discovered	discover	VERB
cblr-2966	305	26	based	base	VERB
cblr-2966	305	27	on	on	ADP
cblr-2966	305	28	a	a	DET
cblr-2966	305	29	reasonable	reasonable	ADJ
cblr-2966	305	30	review	review	NOUN
cblr-2966	305	31	of	of	ADP
cblr-2966	305	32	the	the	DET
cblr-2966	305	33	loan	loan	NOUN
cblr-2966	305	34	documents	document	NOUN
cblr-2966	305	35	)	)	PUNCT
cblr-2966	305	36	.	.	PUNCT
cblr-2966	306	1	6	6	NUM
cblr-2966	306	2	see	see	VERB
cblr-2966	306	3	15	15	NUM
cblr-2966	306	4	u.s.c	u.s.c	ADJ
cblr-2966	306	5	.	.	PUNCT
cblr-2966	307	1	§	§	PROPN
cblr-2966	307	2	1602(aa)(1	1602(aa)(1	NUM
cblr-2966	307	3	)	)	PUNCT
cblr-2966	307	4	(	(	PUNCT
cblr-2966	307	5	2006	2006	NUM
cblr-2966	307	6	)	)	PUNCT
cblr-2966	307	7	.	.	PUNCT
cblr-2966	308	1	69	69	NUM
cblr-2966	308	2	azmy	azmy	PROPN
cblr-2966	308	3	,	,	PUNCT
cblr-2966	308	4	supra	supra	PROPN
cblr-2966	308	5	note	note	PROPN
cblr-2966	308	6	19	19	NUM
cblr-2966	308	7	,	,	PUNCT
cblr-2966	308	8	at	at	ADP
cblr-2966	308	9	355	355	NUM
cblr-2966	308	10	.	.	PUNCT
cblr-2966	308	11	table	table	NOUN
cblr-2966	308	12	3	3	NUM
cblr-2966	308	13	demonstrates	demonstrate	VERB
cblr-2966	308	14	that	that	SCONJ
cblr-2966	308	15	hoepa	hoepa	NOUN
cblr-2966	308	16	loans	loan	NOUN
cblr-2966	308	17	are	be	AUX
cblr-2966	308	18	far	far	ADV
cblr-2966	308	19	less	less	ADJ
cblr-2966	308	20	than	than	ADP
cblr-2966	308	21	1	1	NUM
cblr-2966	308	22	%	%	NOUN
cblr-2966	308	23	of	of	ADP
cblr-2966	308	24	the	the	DET
cblr-2966	308	25	standard	standard	NOUN
cblr-2966	308	26	.	.	PUNCT
cblr-2966	309	1	some	some	PRON
cblr-2966	309	2	suggest	suggest	VERB
cblr-2966	309	3	that	that	SCONJ
cblr-2966	309	4	many	many	ADJ
cblr-2966	309	5	lenders	lender	NOUN
cblr-2966	309	6	skirt	skirt	VERB
cblr-2966	309	7	the	the	DET
cblr-2966	309	8	hoepa	hoepa	NOUN
cblr-2966	309	9	requirements	requirement	NOUN
cblr-2966	309	10	by	by	ADP
cblr-2966	309	11	lending	lend	VERB
cblr-2966	309	12	at	at	ADP
cblr-2966	309	13	interest	interest	NOUN
cblr-2966	309	14	rates	rate	NOUN
cblr-2966	309	15	and	and	CCONJ
cblr-2966	309	16	fees	fee	NOUN
cblr-2966	309	17	just	just	ADV
cblr-2966	309	18	under	under	ADP
cblr-2966	309	19	the	the	DET
cblr-2966	309	20	hoepa	hoepa	NOUN
cblr-2966	309	21	shield	shield	NOUN
cblr-2966	309	22	.	.	PUNCT
cblr-2966	310	1	pyle	pyle	PROPN
cblr-2966	310	2	,	,	PUNCT
cblr-2966	310	3	supra	supra	PROPN
cblr-2966	310	4	note	note	NOUN
cblr-2966	310	5	23	23	NUM
cblr-2966	310	6	,	,	PUNCT
cblr-2966	310	7	at	at	ADP
cblr-2966	310	8	1923	1923	NUM
cblr-2966	310	9	.	.	PUNCT
cblr-2966	311	1	70	70	NUM
cblr-2966	311	2	42	42	NUM
cblr-2966	311	3	u.s.c	u.s.c	ADJ
cblr-2966	311	4	.	.	PUNCT
cblr-2966	312	1	§	§	PROPN
cblr-2966	312	2	§	§	PROPN
cblr-2966	312	3	3604	3604	NUM
cblr-2966	312	4	-	-	SYM
cblr-2966	312	5	3605	3605	NUM
cblr-2966	312	6	(	(	PUNCT
cblr-2966	312	7	2006	2006	NUM
cblr-2966	312	8	)	)	PUNCT
cblr-2966	312	9	(	(	PUNCT
cblr-2966	312	10	fha	fha	PROPN
cblr-2966	312	11	as	as	SCONJ
cblr-2966	312	12	implemented	implement	VERB
cblr-2966	312	13	by	by	ADP
cblr-2966	312	14	24	24	NUM
cblr-2966	312	15	c.f.r	c.f.r	NOUN
cblr-2966	312	16	.	.	PUNCT
cblr-2966	313	1	§	§	PROPN
cblr-2966	313	2	100	100	NUM
cblr-2966	313	3	)	)	PUNCT
cblr-2966	313	4	;	;	PUNCT
cblr-2966	313	5	15	15	NUM
cblr-2966	313	6	u.s.c	u.s.c	NOUN
cblr-2966	313	7	.	.	PUNCT
cblr-2966	314	1	§	§	PROPN
cblr-2966	314	2	1691	1691	NUM
cblr-2966	314	3	(	(	PUNCT
cblr-2966	314	4	2006	2006	NUM
cblr-2966	314	5	)	)	PUNCT
cblr-2966	314	6	(	(	PUNCT
cblr-2966	314	7	ecoa	ecoa	VERB
cblr-2966	314	8	as	as	SCONJ
cblr-2966	314	9	implemented	implement	VERB
cblr-2966	314	10	by	by	ADP
cblr-2966	314	11	12	12	NUM
cblr-2966	314	12	c.f.r	c.f.r	NOUN
cblr-2966	314	13	.	.	PUNCT
cblr-2966	315	1	§	§	PROPN
cblr-2966	315	2	202	202	NUM
cblr-2966	315	3	)	)	PUNCT
cblr-2966	315	4	;	;	PUNCT
cblr-2966	315	5	peterson	peterson	PROPN
cblr-2966	315	6	,	,	PUNCT
cblr-2966	315	7	supra	supra	PROPN
cblr-2966	315	8	note	note	PROPN
cblr-2966	315	9	34	34	NUM
cblr-2966	315	10	,	,	PUNCT
cblr-2966	315	11	at	at	ADP
cblr-2966	315	12	2228	2228	NUM
cblr-2966	315	13	.	.	PUNCT
cblr-2966	316	1	71	71	NUM
cblr-2966	316	2	see	see	VERB
cblr-2966	316	3	davis	davis	PROPN
cblr-2966	316	4	v.	v.	PROPN
cblr-2966	316	5	new	new	PROPN
cblr-2966	316	6	york	york	PROPN
cblr-2966	316	7	city	city	PROPN
cblr-2966	316	8	hous	hous	ADJ
cblr-2966	316	9	.	.	PUNCT
cblr-2966	317	1	auth	auth	PROPN
cblr-2966	317	2	.	.	PROPN
cblr-2966	317	3	,	,	PUNCT
cblr-2966	317	4	278	278	NUM
cblr-2966	317	5	f.3d	f.3d	NUM
cblr-2966	317	6	64	64	NUM
cblr-2966	317	7	,	,	PUNCT
cblr-2966	317	8	81	81	NUM
cblr-2966	317	9	(	(	PUNCT
cblr-2966	317	10	2d	2d	NUM
cblr-2966	317	11	cir	cir	NOUN
cblr-2966	317	12	.	.	PUNCT
cblr-2966	317	13	2002	2002	NUM
cblr-2966	317	14	)	)	PUNCT
cblr-2966	317	15	(	(	PUNCT
cblr-2966	317	16	holding	hold	VERB
cblr-2966	317	17	that	that	PRON
cblr-2966	317	18	to	to	PART
cblr-2966	317	19	establish	establish	VERB
cblr-2966	317	20	a	a	DET
cblr-2966	317	21	violation	violation	NOUN
cblr-2966	317	22	of	of	ADP
cblr-2966	317	23	the	the	DET
cblr-2966	317	24	fha	fha	PROPN
cblr-2966	317	25	,	,	PUNCT
cblr-2966	317	26	a	a	DET
cblr-2966	317	27	plaintiff	plaintiff	NOUN
cblr-2966	317	28	need	need	VERB
cblr-2966	317	29	not	not	PART
cblr-2966	317	30	no	no	INTJ
cblr-2966	317	31	.	.	PUNCT
cblr-2966	318	1	3:1021	3:1021	NUM
cblr-2966	318	2	]	]	X
cblr-2966	318	3	columbia	columbia	PROPN
cblr-2966	318	4	business	business	PROPN
cblr-2966	318	5	law	law	PROPN
cblr-2966	318	6	review	review	NOUN
cblr-2966	318	7	because	because	SCONJ
cblr-2966	318	8	the	the	DET
cblr-2966	318	9	riskiness	riskiness	NOUN
cblr-2966	318	10	of	of	ADP
cblr-2966	318	11	subprime	subprime	ADJ
cblr-2966	318	12	borrowers	borrower	NOUN
cblr-2966	318	13	is	be	AUX
cblr-2966	318	14	hard	hard	ADJ
cblr-2966	318	15	to	to	PART
cblr-2966	318	16	calculate	calculate	VERB
cblr-2966	318	17	,	,	PUNCT
cblr-2966	318	18	this	this	DET
cblr-2966	318	19	pair	pair	NOUN
cblr-2966	318	20	of	of	ADP
cblr-2966	318	21	federal	federal	ADJ
cblr-2966	318	22	laws	law	NOUN
cblr-2966	318	23	makes	make	VERB
cblr-2966	318	24	it	it	PRON
cblr-2966	318	25	difficult	difficult	ADJ
cblr-2966	318	26	for	for	SCONJ
cblr-2966	318	27	traditional	traditional	ADJ
cblr-2966	318	28	bank	bank	NOUN
cblr-2966	318	29	institutions	institution	NOUN
cblr-2966	318	30	to	to	PART
cblr-2966	318	31	enter	enter	VERB
cblr-2966	318	32	the	the	DET
cblr-2966	318	33	subprime	subprime	ADJ
cblr-2966	318	34	market	market	NOUN
cblr-2966	318	35	without	without	ADP
cblr-2966	318	36	incurring	incur	VERB
cblr-2966	318	37	disparate	disparate	ADJ
cblr-2966	318	38	impact	impact	NOUN
cblr-2966	318	39	lawsuits	lawsuit	NOUN
cblr-2966	318	40	.	.	PUNCT
cblr-2966	319	1	the	the	DET
cblr-2966	319	2	federal	federal	ADJ
cblr-2966	319	3	laws	law	NOUN
cblr-2966	319	4	are	be	AUX
cblr-2966	319	5	quite	quite	ADV
cblr-2966	319	6	limited	limited	ADJ
cblr-2966	319	7	.	.	PUNCT
cblr-2966	320	1	hoepa	hoepa	NOUN
cblr-2966	320	2	applies	apply	VERB
cblr-2966	320	3	to	to	ADP
cblr-2966	320	4	such	such	DET
cblr-2966	320	5	a	a	DET
cblr-2966	320	6	small	small	ADJ
cblr-2966	320	7	percentage	percentage	NOUN
cblr-2966	320	8	of	of	ADP
cblr-2966	320	9	loans	loan	NOUN
cblr-2966	320	10	that	that	PRON
cblr-2966	320	11	it	it	PRON
cblr-2966	320	12	does	do	VERB
cblr-2966	320	13	little	little	ADJ
cblr-2966	320	14	to	to	PART
cblr-2966	320	15	mitigate	mitigate	VERB
cblr-2966	320	16	abusive	abusive	ADJ
cblr-2966	320	17	practices	practice	NOUN
cblr-2966	320	18	.	.	PUNCT
cblr-2966	321	1	2	2	NUM
cblr-2966	321	2	the	the	DET
cblr-2966	321	3	federal	federal	ADJ
cblr-2966	321	4	laws	law	NOUN
cblr-2966	321	5	have	have	AUX
cblr-2966	321	6	already	already	ADV
cblr-2966	321	7	failed	fail	VERB
cblr-2966	321	8	to	to	PART
cblr-2966	321	9	control	control	VERB
cblr-2966	321	10	the	the	DET
cblr-2966	321	11	market	market	NOUN
cblr-2966	321	12	during	during	ADP
cblr-2966	321	13	the	the	DET
cblr-2966	321	14	subprime	subprime	ADJ
cblr-2966	321	15	build	build	NOUN
cblr-2966	321	16	-	-	PUNCT
cblr-2966	321	17	up	up	NOUN
cblr-2966	321	18	and	and	CCONJ
cblr-2966	321	19	crash	crash	NOUN
cblr-2966	321	20	.	.	PUNCT
cblr-2966	322	1	there	there	PRON
cblr-2966	322	2	is	be	VERB
cblr-2966	322	3	little	little	ADJ
cblr-2966	322	4	reason	reason	NOUN
cblr-2966	322	5	to	to	PART
cblr-2966	322	6	believe	believe	VERB
cblr-2966	322	7	they	they	PRON
cblr-2966	322	8	will	will	AUX
cblr-2966	322	9	work	work	VERB
cblr-2966	322	10	now	now	ADV
cblr-2966	322	11	.	.	PUNCT
cblr-2966	323	1	b.	b.	PROPN
cblr-2966	323	2	state	state	NOUN
cblr-2966	323	3	solutions	solution	NOUN
cblr-2966	323	4	:	:	PUNCT
cblr-2966	323	5	the	the	DET
cblr-2966	323	6	problem	problem	NOUN
cblr-2966	323	7	of	of	ADP
cblr-2966	323	8	regulatory	regulatory	ADJ
cblr-2966	323	9	capture	capture	NOUN
cblr-2966	323	10	finding	find	VERB
cblr-2966	323	11	the	the	DET
cblr-2966	323	12	federal	federal	ADJ
cblr-2966	323	13	legislation	legislation	NOUN
cblr-2966	323	14	ineffective	ineffective	ADJ
cblr-2966	323	15	,	,	PUNCT
cblr-2966	323	16	many	many	ADJ
cblr-2966	323	17	states	state	NOUN
cblr-2966	323	18	began	begin	VERB
cblr-2966	323	19	directly	directly	ADV
cblr-2966	323	20	regulating	regulate	VERB
cblr-2966	323	21	lending	lending	NOUN
cblr-2966	323	22	.	.	PUNCT
cblr-2966	324	1	the	the	DET
cblr-2966	324	2	first	first	ADJ
cblr-2966	324	3	state	state	NOUN
cblr-2966	324	4	to	to	PART
cblr-2966	324	5	pass	pass	VERB
cblr-2966	324	6	a	a	DET
cblr-2966	324	7	predatory	predatory	ADJ
cblr-2966	324	8	lending	lending	NOUN
cblr-2966	324	9	law	law	NOUN
cblr-2966	324	10	was	be	AUX
cblr-2966	324	11	north	north	PROPN
cblr-2966	324	12	carolina	carolina	PROPN
cblr-2966	324	13	in	in	ADP
cblr-2966	324	14	1999."3	1999."3	PRON
cblr-2966	324	15	the	the	DET
cblr-2966	324	16	vast	vast	ADJ
cblr-2966	324	17	majority	majority	NOUN
cblr-2966	324	18	of	of	ADP
cblr-2966	324	19	these	these	DET
cblr-2966	324	20	states	state	NOUN
cblr-2966	324	21	passed	pass	VERB
cblr-2966	324	22	"	"	PUNCT
cblr-2966	324	23	mini	mini	NOUN
cblr-2966	324	24	-	-	NOUN
cblr-2966	324	25	hoepa	hoepa	ADJ
cblr-2966	324	26	"	"	PUNCT
cblr-2966	324	27	laws	law	NOUN
cblr-2966	324	28	.	.	PUNCT
cblr-2966	324	29	"	"	PUNCT
cblr-2966	325	1	mini	mini	ADJ
cblr-2966	325	2	-	-	NOUN
cblr-2966	325	3	hoepa	hoepa	ADJ
cblr-2966	325	4	laws	law	NOUN
cblr-2966	325	5	usually	usually	ADV
cblr-2966	325	6	follow	follow	VERB
cblr-2966	325	7	the	the	DET
cblr-2966	325	8	same	same	ADJ
cblr-2966	325	9	basic	basic	ADJ
cblr-2966	325	10	prohibitions	prohibition	NOUN
cblr-2966	325	11	as	as	ADP
cblr-2966	325	12	hoepa	hoepa	NOUN
cblr-2966	325	13	,	,	PUNCT
cblr-2966	325	14	but	but	CCONJ
cblr-2966	325	15	with	with	ADP
cblr-2966	325	16	lower	low	ADJ
cblr-2966	325	17	interest	interest	NOUN
cblr-2966	325	18	rate	rate	NOUN
cblr-2966	325	19	or	or	CCONJ
cblr-2966	325	20	fee	fee	NOUN
cblr-2966	325	21	triggers	trigger	NOUN
cblr-2966	325	22	,	,	PUNCT
cblr-2966	325	23	and	and	CCONJ
cblr-2966	325	24	often	often	ADV
cblr-2966	325	25	with	with	ADP
cblr-2966	325	26	more	more	ADV
cblr-2966	325	27	draconian	draconian	ADJ
cblr-2966	325	28	remedies	remedy	NOUN
cblr-2966	325	29	.	.	PUNCT
cblr-2966	326	1	5	5	NUM
cblr-2966	326	2	roughly	roughly	ADV
cblr-2966	326	3	twenty	twenty	NUM
cblr-2966	326	4	-	-	PUNCT
cblr-2966	326	5	three	three	NUM
cblr-2966	326	6	states	state	NOUN
cblr-2966	326	7	also	also	ADV
cblr-2966	326	8	adopted	adopt	VERB
cblr-2966	326	9	,	,	PUNCT
cblr-2966	326	10	like	like	ADP
cblr-2966	326	11	hoepa	hoepa	NOUN
cblr-2966	326	12	,	,	PUNCT
cblr-2966	326	13	assignee	assignee	NOUN
cblr-2966	326	14	liability	liability	NOUN
cblr-2966	326	15	provisions	provision	NOUN
cblr-2966	326	16	.	.	PUNCT
cblr-2966	327	1	these	these	DET
cblr-2966	327	2	range	range	VERB
cblr-2966	327	3	from	from	ADP
cblr-2966	327	4	being	be	AUX
cblr-2966	327	5	no	no	ADV
cblr-2966	327	6	different	different	ADJ
cblr-2966	327	7	than	than	ADP
cblr-2966	327	8	hoepa	hoepa	NOUN
cblr-2966	327	9	assignee	assignee	NOUN
cblr-2966	327	10	liability	liability	NOUN
cblr-2966	327	11	,	,	PUNCT
cblr-2966	327	12	to	to	ADP
cblr-2966	327	13	nevada	nevada	PROPN
cblr-2966	327	14	,	,	PUNCT
cblr-2966	327	15	where	where	SCONJ
cblr-2966	327	16	the	the	DET
cblr-2966	327	17	assignee	assignee	NOUN
cblr-2966	327	18	show	show	VERB
cblr-2966	327	19	discriminatory	discriminatory	ADJ
cblr-2966	327	20	intent	intent	NOUN
cblr-2966	327	21	but	but	CCONJ
cblr-2966	327	22	need	need	VERB
cblr-2966	327	23	only	only	ADV
cblr-2966	327	24	prove	prove	VERB
cblr-2966	327	25	that	that	SCONJ
cblr-2966	327	26	the	the	DET
cblr-2966	327	27	challenged	challenge	VERB
cblr-2966	327	28	practice	practice	NOUN
cblr-2966	327	29	has	have	VERB
cblr-2966	327	30	a	a	DET
cblr-2966	327	31	discriminatory	discriminatory	ADJ
cblr-2966	327	32	effect	effect	NOUN
cblr-2966	327	33	)	)	PUNCT
cblr-2966	327	34	.	.	PUNCT
cblr-2966	328	1	72	72	NUM
cblr-2966	328	2	a	a	DET
cblr-2966	328	3	price	price	NOUN
cblr-2966	328	4	ceiling	ceiling	NOUN
cblr-2966	328	5	occurs	occur	VERB
cblr-2966	328	6	when	when	SCONJ
cblr-2966	328	7	originators	originator	NOUN
cblr-2966	328	8	refuse	refuse	VERB
cblr-2966	328	9	to	to	PART
cblr-2966	328	10	lend	lend	VERB
cblr-2966	328	11	in	in	ADP
cblr-2966	328	12	amounts	amount	NOUN
cblr-2966	328	13	that	that	PRON
cblr-2966	328	14	put	put	VERB
cblr-2966	328	15	a	a	DET
cblr-2966	328	16	loan	loan	NOUN
cblr-2966	328	17	within	within	ADP
cblr-2966	328	18	hoepa	hoepa	NOUN
cblr-2966	328	19	.	.	PUNCT
cblr-2966	329	1	hoepa	hoepa	NOUN
cblr-2966	329	2	's	's	PART
cblr-2966	329	3	provisions	provision	NOUN
cblr-2966	329	4	are	be	AUX
cblr-2966	329	5	sufficiently	sufficiently	ADV
cblr-2966	329	6	draconian	draconian	ADJ
cblr-2966	329	7	that	that	SCONJ
cblr-2966	329	8	the	the	DET
cblr-2966	329	9	interest	interest	NOUN
cblr-2966	329	10	rate	rate	NOUN
cblr-2966	329	11	trigger	trigger	NOUN
cblr-2966	329	12	under	under	ADP
cblr-2966	329	13	hoepa	hoepa	NOUN
cblr-2966	329	14	becomes	become	VERB
cblr-2966	329	15	the	the	DET
cblr-2966	329	16	market	market	NOUN
cblr-2966	329	17	ceiling	ceiling	NOUN
cblr-2966	329	18	.	.	PUNCT
cblr-2966	330	1	yet	yet	ADV
cblr-2966	330	2	,	,	PUNCT
cblr-2966	330	3	this	this	PRON
cblr-2966	330	4	essentially	essentially	ADV
cblr-2966	330	5	truncates	truncate	VERB
cblr-2966	330	6	the	the	DET
cblr-2966	330	7	credit	credit	NOUN
cblr-2966	330	8	market	market	NOUN
cblr-2966	330	9	.	.	PUNCT
cblr-2966	331	1	to	to	ADP
cblr-2966	331	2	the	the	DET
cblr-2966	331	3	extent	extent	NOUN
cblr-2966	331	4	this	this	DET
cblr-2966	331	5	ceiling	ceiling	NOUN
cblr-2966	331	6	is	be	AUX
cblr-2966	331	7	non	non	ADJ
cblr-2966	331	8	-	-	ADJ
cblr-2966	331	9	binding	binding	ADJ
cblr-2966	331	10	,	,	PUNCT
cblr-2966	331	11	that	that	SCONJ
cblr-2966	331	12	borrowers	borrower	NOUN
cblr-2966	331	13	would	would	AUX
cblr-2966	331	14	not	not	PART
cblr-2966	331	15	accept	accept	VERB
cblr-2966	331	16	a	a	DET
cblr-2966	331	17	loan	loan	NOUN
cblr-2966	331	18	with	with	ADP
cblr-2966	331	19	interest	interest	NOUN
cblr-2966	331	20	rates	rate	NOUN
cblr-2966	331	21	that	that	PRON
cblr-2966	331	22	high	high	ADV
cblr-2966	331	23	,	,	PUNCT
cblr-2966	331	24	there	there	PRON
cblr-2966	331	25	is	be	VERB
cblr-2966	331	26	no	no	DET
cblr-2966	331	27	inefficiency	inefficiency	NOUN
cblr-2966	331	28	.	.	PUNCT
cblr-2966	332	1	however	however	ADV
cblr-2966	332	2	,	,	PUNCT
cblr-2966	332	3	if	if	SCONJ
cblr-2966	332	4	the	the	DET
cblr-2966	332	5	ceiling	ceiling	NOUN
cblr-2966	332	6	prevents	prevent	VERB
cblr-2966	332	7	loans	loan	NOUN
cblr-2966	332	8	that	that	PRON
cblr-2966	332	9	otherwise	otherwise	ADV
cblr-2966	332	10	would	would	AUX
cblr-2966	332	11	be	be	AUX
cblr-2966	332	12	made	make	VERB
cblr-2966	332	13	,	,	PUNCT
cblr-2966	332	14	then	then	ADV
cblr-2966	332	15	there	there	PRON
cblr-2966	332	16	must	must	AUX
cblr-2966	332	17	be	be	AUX
cblr-2966	332	18	a	a	DET
cblr-2966	332	19	determination	determination	NOUN
cblr-2966	332	20	of	of	ADP
cblr-2966	332	21	whether	whether	SCONJ
cblr-2966	332	22	that	that	DET
cblr-2966	332	23	loan	loan	NOUN
cblr-2966	332	24	would	would	AUX
cblr-2966	332	25	have	have	AUX
cblr-2966	332	26	been	be	AUX
cblr-2966	332	27	positive	positive	ADJ
cblr-2966	332	28	for	for	ADP
cblr-2966	332	29	that	that	DET
cblr-2966	332	30	particular	particular	ADJ
cblr-2966	332	31	individual	individual	NOUN
cblr-2966	332	32	.	.	PUNCT
cblr-2966	332	33	"	"	PUNCT
cblr-2966	332	34	see	see	VERB
cblr-2966	332	35	n.c	n.c	PROPN
cblr-2966	332	36	.	.	PROPN
cblr-2966	332	37	gen	gen	PROPN
cblr-2966	332	38	.	.	PROPN
cblr-2966	332	39	stat	stat	PROPN
cblr-2966	332	40	.	.	PUNCT
cblr-2966	333	1	§	§	PROPN
cblr-2966	333	2	24	24	NUM
cblr-2966	333	3	-	-	SYM
cblr-2966	333	4	1.1(e	1.1(e	NUM
cblr-2966	333	5	)	)	PUNCT
cblr-2966	333	6	(	(	PUNCT
cblr-2966	333	7	2007	2007	NUM
cblr-2966	333	8	)	)	PUNCT
cblr-2966	333	9	(	(	PUNCT
cblr-2966	333	10	demonstrating	demonstrate	VERB
cblr-2966	333	11	an	an	DET
cblr-2966	333	12	example	example	NOUN
cblr-2966	333	13	of	of	ADP
cblr-2966	333	14	a	a	DET
cblr-2966	333	15	mini	mini	ADJ
cblr-2966	333	16	-	-	NOUN
cblr-2966	333	17	hoepa	hoepa	ADJ
cblr-2966	333	18	law	law	NOUN
cblr-2966	333	19	)	)	PUNCT
cblr-2966	333	20	.	.	PUNCT
cblr-2966	334	1	71	71	NUM
cblr-2966	334	2	see	see	VERB
cblr-2966	334	3	ho	ho	PROPN
cblr-2966	334	4	&	&	CCONJ
cblr-2966	334	5	pennington	pennington	PROPN
cblr-2966	334	6	-	-	PUNCT
cblr-2966	334	7	cross	cross	PROPN
cblr-2966	334	8	,	,	PUNCT
cblr-2966	334	9	supra	supra	ADJ
cblr-2966	334	10	note	note	PROPN
cblr-2966	334	11	14	14	NUM
cblr-2966	334	12	,	,	PUNCT
cblr-2966	334	13	table	table	NOUN
cblr-2966	334	14	2	2	NUM
cblr-2966	334	15	at	at	ADP
cblr-2966	334	16	216	216	NUM
cblr-2966	334	17	.	.	PUNCT
cblr-2966	334	18	7	7	NUM
cblr-2966	334	19	'	'	PUNCT
cblr-2966	334	20	for	for	ADP
cblr-2966	334	21	example	example	NOUN
cblr-2966	334	22	,	,	PUNCT
cblr-2966	334	23	the	the	DET
cblr-2966	334	24	new	new	PROPN
cblr-2966	334	25	york	york	PROPN
cblr-2966	334	26	law	law	NOUN
cblr-2966	334	27	,	,	PUNCT
cblr-2966	334	28	effective	effective	ADJ
cblr-2966	334	29	in	in	ADP
cblr-2966	334	30	2003	2003	NUM
cblr-2966	334	31	,	,	PUNCT
cblr-2966	334	32	triggers	trigger	VERB
cblr-2966	334	33	at	at	ADP
cblr-2966	334	34	8	8	NUM
cblr-2966	334	35	%	%	NOUN
cblr-2966	334	36	for	for	ADP
cblr-2966	334	37	a	a	DET
cblr-2966	334	38	first	first	ADJ
cblr-2966	334	39	lien	lien	NOUN
cblr-2966	334	40	and	and	CCONJ
cblr-2966	334	41	9	9	NUM
cblr-2966	334	42	%	%	NOUN
cblr-2966	334	43	for	for	ADP
cblr-2966	334	44	a	a	DET
cblr-2966	334	45	second	second	ADJ
cblr-2966	334	46	lien	lien	NOUN
cblr-2966	334	47	.	.	PUNCT
cblr-2966	335	1	it	it	PRON
cblr-2966	335	2	also	also	ADV
cblr-2966	335	3	imposes	impose	VERB
cblr-2966	335	4	assignee	assignee	NOUN
cblr-2966	335	5	liability	liability	NOUN
cblr-2966	335	6	,	,	PUNCT
cblr-2966	335	7	but	but	CCONJ
cblr-2966	335	8	unlike	unlike	ADP
cblr-2966	335	9	hoepa	hoepa	NOUN
cblr-2966	335	10	that	that	PRON
cblr-2966	335	11	assignee	assignee	NOUN
cblr-2966	335	12	liability	liability	NOUN
cblr-2966	335	13	is	be	AUX
cblr-2966	335	14	strict	strict	ADJ
cblr-2966	335	15	-	-	PUNCT
cblr-2966	335	16	it	it	PRON
cblr-2966	335	17	functions	function	NOUN
cblr-2966	335	18	regardless	regardless	ADV
cblr-2966	335	19	of	of	ADP
cblr-2966	335	20	knowledge	knowledge	NOUN
cblr-2966	335	21	or	or	CCONJ
cblr-2966	335	22	diligence	diligence	NOUN
cblr-2966	335	23	.	.	PUNCT
cblr-2966	336	1	n.y	n.y	PROPN
cblr-2966	336	2	.	.	PROPN
cblr-2966	336	3	banking	banking	NOUN
cblr-2966	336	4	law	law	NOUN
cblr-2966	336	5	§	§	PROPN
cblr-2966	336	6	6	6	NUM
cblr-2966	336	7	-	-	SYM
cblr-2966	336	8	1(13	1(13	NUM
cblr-2966	336	9	)	)	PUNCT
cblr-2966	336	10	(	(	PUNCT
cblr-2966	336	11	mckinney	mckinney	PROPN
cblr-2966	336	12	2003	2003	NUM
cblr-2966	336	13	)	)	PUNCT
cblr-2966	336	14	.	.	PUNCT
cblr-2966	337	1	[	[	X
cblr-2966	337	2	vol	vol	NOUN
cblr-2966	337	3	.	.	NOUN
cblr-2966	337	4	2008	2008	NUM
cblr-2966	337	5	could	could	AUX
cblr-2966	337	6	be	be	AUX
cblr-2966	337	7	liable	liable	ADJ
cblr-2966	337	8	for	for	ADP
cblr-2966	337	9	up	up	ADP
cblr-2966	337	10	to	to	PART
cblr-2966	337	11	three	three	NUM
cblr-2966	337	12	times	time	NOUN
cblr-2966	337	13	the	the	DET
cblr-2966	337	14	amount	amount	NOUN
cblr-2966	337	15	of	of	ADP
cblr-2966	337	16	damage.7	damage.7	NOUN
cblr-2966	337	17	6	6	NUM
cblr-2966	337	18	only	only	ADV
cblr-2966	337	19	eleven	eleven	NUM
cblr-2966	337	20	states	state	NOUN
cblr-2966	337	21	have	have	VERB
cblr-2966	337	22	no	no	DET
cblr-2966	337	23	predatory	predatory	ADJ
cblr-2966	337	24	lending	lending	NOUN
cblr-2966	337	25	laws	law	NOUN
cblr-2966	337	26	of	of	ADP
cblr-2966	337	27	any	any	DET
cblr-2966	337	28	consequence.7	consequence.7	NOUN
cblr-2966	337	29	state	state	NOUN
cblr-2966	337	30	-	-	PUNCT
cblr-2966	337	31	level	level	NOUN
cblr-2966	337	32	predatory	predatory	NOUN
cblr-2966	337	33	lending	lending	NOUN
cblr-2966	337	34	laws	law	NOUN
cblr-2966	337	35	are	be	AUX
cblr-2966	337	36	important	important	ADJ
cblr-2966	337	37	for	for	ADP
cblr-2966	337	38	two	two	NUM
cblr-2966	337	39	reasons	reason	NOUN
cblr-2966	337	40	.	.	PUNCT
cblr-2966	338	1	first	first	ADV
cblr-2966	338	2	,	,	PUNCT
cblr-2966	338	3	even	even	ADV
cblr-2966	338	4	if	if	SCONJ
cblr-2966	338	5	only	only	ADV
cblr-2966	338	6	enacting	enact	VERB
cblr-2966	338	7	hoepa	hoepa	NOUN
cblr-2966	338	8	at	at	ADP
cblr-2966	338	9	the	the	DET
cblr-2966	338	10	state	state	NOUN
cblr-2966	338	11	level	level	NOUN
cblr-2966	338	12	,	,	PUNCT
cblr-2966	338	13	they	they	PRON
cblr-2966	338	14	enable	enable	VERB
cblr-2966	338	15	enforcement	enforcement	NOUN
cblr-2966	338	16	by	by	ADP
cblr-2966	338	17	the	the	DET
cblr-2966	338	18	state	state	NOUN
cblr-2966	338	19	attorney	attorney	NOUN
cblr-2966	338	20	general	general	NOUN
cblr-2966	338	21	.	.	PUNCT
cblr-2966	339	1	second	second	ADJ
cblr-2966	339	2	,	,	PUNCT
cblr-2966	339	3	in	in	ADP
cblr-2966	339	4	enacting	enact	VERB
cblr-2966	339	5	lower	low	ADJ
cblr-2966	339	6	triggers	trigger	NOUN
cblr-2966	339	7	or	or	CCONJ
cblr-2966	339	8	more	more	ADV
cblr-2966	339	9	draconian	draconian	ADJ
cblr-2966	339	10	assignee	assignee	NOUN
cblr-2966	339	11	liability	liability	NOUN
cblr-2966	339	12	,	,	PUNCT
cblr-2966	339	13	states	state	NOUN
cblr-2966	339	14	can	can	AUX
cblr-2966	339	15	experiment	experiment	VERB
cblr-2966	339	16	with	with	ADP
cblr-2966	339	17	what	what	DET
cblr-2966	339	18	combination	combination	NOUN
cblr-2966	339	19	quashes	quash	VERB
cblr-2966	339	20	predatory	predatory	ADJ
cblr-2966	339	21	lending	lending	NOUN
cblr-2966	339	22	without	without	ADP
cblr-2966	339	23	damaging	damage	VERB
cblr-2966	339	24	the	the	DET
cblr-2966	339	25	subprime	subprime	ADJ
cblr-2966	339	26	market	market	NOUN
cblr-2966	339	27	.	.	PUNCT
cblr-2966	340	1	however	however	ADV
cblr-2966	340	2	,	,	PUNCT
cblr-2966	340	3	state	state	NOUN
cblr-2966	340	4	-	-	PUNCT
cblr-2966	340	5	level	level	NOUN
cblr-2966	340	6	regulation	regulation	NOUN
cblr-2966	340	7	creates	create	VERB
cblr-2966	340	8	unique	unique	ADJ
cblr-2966	340	9	problems	problem	NOUN
cblr-2966	340	10	of	of	ADP
cblr-2966	340	11	regulatory	regulatory	ADJ
cblr-2966	340	12	capture	capture	NOUN
cblr-2966	340	13	.	.	PUNCT
cblr-2966	341	1	states	state	NOUN
cblr-2966	341	2	often	often	ADV
cblr-2966	341	3	lack	lack	VERB
cblr-2966	341	4	the	the	DET
cblr-2966	341	5	power	power	NOUN
cblr-2966	341	6	to	to	PART
cblr-2966	341	7	enact	enact	VERB
cblr-2966	341	8	mortgage	mortgage	NOUN
cblr-2966	341	9	laws	law	NOUN
cblr-2966	341	10	on	on	ADP
cblr-2966	341	11	their	their	PRON
cblr-2966	341	12	own	own	ADJ
cblr-2966	341	13	.	.	PUNCT
cblr-2966	342	1	georgia	georgia	PROPN
cblr-2966	342	2	's	's	PART
cblr-2966	342	3	attempt	attempt	NOUN
cblr-2966	342	4	to	to	PART
cblr-2966	342	5	use	use	VERB
cblr-2966	342	6	unlimited	unlimited	ADJ
cblr-2966	342	7	assignee	assignee	NOUN
cblr-2966	342	8	liability	liability	NOUN
cblr-2966	342	9	demonstrates	demonstrate	VERB
cblr-2966	342	10	the	the	DET
cblr-2966	342	11	problem	problem	NOUN
cblr-2966	342	12	.	.	PUNCT
cblr-2966	343	1	when	when	SCONJ
cblr-2966	343	2	georgia	georgia	PROPN
cblr-2966	343	3	proposed	propose	VERB
cblr-2966	343	4	strict	strict	ADJ
cblr-2966	343	5	assignee	assignee	NOUN
cblr-2966	343	6	liability	liability	NOUN
cblr-2966	343	7	in	in	ADP
cblr-2966	343	8	2002	2002	NUM
cblr-2966	343	9	,	,	PUNCT
cblr-2966	343	10	standard	standard	PROPN
cblr-2966	343	11	&	&	CCONJ
cblr-2966	343	12	poor	poor	PROPN
cblr-2966	343	13	's	's	PART
cblr-2966	343	14	(	(	PUNCT
cblr-2966	343	15	"	"	PUNCT
cblr-2966	343	16	s&p	s&p	PROPN
cblr-2966	343	17	"	"	PUNCT
cblr-2966	343	18	)	)	PUNCT
cblr-2966	343	19	,	,	PUNCT
cblr-2966	343	20	one	one	NUM
cblr-2966	343	21	of	of	ADP
cblr-2966	343	22	the	the	DET
cblr-2966	343	23	three	three	NUM
cblr-2966	343	24	authorized	authorize	VERB
cblr-2966	343	25	76	76	NUM
cblr-2966	343	26	see	see	NOUN
cblr-2966	343	27	nev	nev	PROPN
cblr-2966	343	28	.	.	PROPN
cblr-2966	343	29	rev	rev	PROPN
cblr-2966	343	30	.	.	PROPN
cblr-2966	343	31	stat	stat	PROPN
cblr-2966	343	32	.	.	PUNCT
cblr-2966	344	1	§	§	PROPN
cblr-2966	344	2	598d.110(2)(a	598d.110(2)(a	NUM
cblr-2966	344	3	)	)	PUNCT
cblr-2966	344	4	(	(	PUNCT
cblr-2966	344	5	2007	2007	NUM
cblr-2966	344	6	)	)	PUNCT
cblr-2966	344	7	.	.	PUNCT
cblr-2966	345	1	states	state	NOUN
cblr-2966	345	2	with	with	ADP
cblr-2966	345	3	assignee	assignee	NOUN
cblr-2966	345	4	liability	liability	NOUN
cblr-2966	345	5	passed	pass	VERB
cblr-2966	345	6	in	in	ADP
cblr-2966	345	7	time	time	NOUN
cblr-2966	345	8	to	to	PART
cblr-2966	345	9	be	be	AUX
cblr-2966	345	10	included	include	VERB
cblr-2966	345	11	in	in	ADP
cblr-2966	345	12	this	this	DET
cblr-2966	345	13	paper	paper	NOUN
cblr-2966	345	14	:	:	PUNCT
cblr-2966	345	15	arkansas	arkansas	PROPN
cblr-2966	345	16	,	,	PUNCT
cblr-2966	345	17	colorado	colorado	PROPN
cblr-2966	345	18	,	,	PUNCT
cblr-2966	345	19	connecticut	connecticut	NOUN
cblr-2966	345	20	,	,	PUNCT
cblr-2966	345	21	district	district	PROPN
cblr-2966	345	22	of	of	ADP
cblr-2966	345	23	columbia	columbia	PROPN
cblr-2966	345	24	,	,	PUNCT
cblr-2966	345	25	florida	florida	PROPN
cblr-2966	345	26	,	,	PUNCT
cblr-2966	345	27	georgia	georgia	PROPN
cblr-2966	345	28	,	,	PUNCT
cblr-2966	345	29	illinois	illinois	PROPN
cblr-2966	345	30	,	,	PUNCT
cblr-2966	345	31	indiana	indiana	PROPN
cblr-2966	345	32	,	,	PUNCT
cblr-2966	345	33	kansas	kansas	PROPN
cblr-2966	345	34	,	,	PUNCT
cblr-2966	345	35	kentucky	kentucky	PROPN
cblr-2966	345	36	,	,	PUNCT
cblr-2966	345	37	maine	maine	PROPN
cblr-2966	345	38	,	,	PUNCT
cblr-2966	345	39	massachusetts	massachusetts	PROPN
cblr-2966	345	40	,	,	PUNCT
cblr-2966	345	41	nevada	nevada	PROPN
cblr-2966	345	42	,	,	PUNCT
cblr-2966	345	43	new	new	PROPN
cblr-2966	345	44	jersey	jersey	PROPN
cblr-2966	345	45	,	,	PUNCT
cblr-2966	345	46	new	new	PROPN
cblr-2966	345	47	mexico	mexico	PROPN
cblr-2966	345	48	,	,	PUNCT
cblr-2966	345	49	new	new	PROPN
cblr-2966	345	50	york	york	PROPN
cblr-2966	345	51	,	,	PUNCT
cblr-2966	345	52	north	north	PROPN
cblr-2966	345	53	carolina	carolina	PROPN
cblr-2966	345	54	,	,	PUNCT
cblr-2966	345	55	ohio	ohio	PROPN
cblr-2966	345	56	,	,	PUNCT
cblr-2966	345	57	oklahoma	oklahoma	PROPN
cblr-2966	345	58	,	,	PUNCT
cblr-2966	345	59	south	south	PROPN
cblr-2966	345	60	carolina	carolina	PROPN
cblr-2966	345	61	,	,	PUNCT
cblr-2966	345	62	west	west	PROPN
cblr-2966	345	63	virginia	virginia	PROPN
cblr-2966	345	64	(	(	PUNCT
cblr-2966	345	65	as	as	ADP
cblr-2966	345	66	of	of	ADP
cblr-2966	345	67	the	the	DET
cblr-2966	345	68	end	end	NOUN
cblr-2966	345	69	of	of	ADP
cblr-2966	345	70	2006	2006	NUM
cblr-2966	345	71	)	)	PUNCT
cblr-2966	345	72	.	.	PUNCT
cblr-2966	346	1	ark	ark	PROPN
cblr-2966	346	2	.	.	PROPN
cblr-2966	346	3	code	code	PROPN
cblr-2966	346	4	ann	ann	PROPN
cblr-2966	346	5	.	.	PUNCT
cblr-2966	347	1	§	§	PROPN
cblr-2966	347	2	23	23	NUM
cblr-2966	347	3	-	-	SYM
cblr-2966	347	4	53	53	NUM
cblr-2966	347	5	-	-	SYM
cblr-2966	347	6	101	101	NUM
cblr-2966	347	7	(	(	PUNCT
cblr-2966	347	8	2008	2008	NUM
cblr-2966	347	9	)	)	PUNCT
cblr-2966	347	10	;	;	PUNCT
cblr-2966	347	11	colo	colo	PROPN
cblr-2966	347	12	.	.	PUNCT
cblr-2966	347	13	rev	rev	PROPN
cblr-2966	347	14	.	.	PROPN
cblr-2966	347	15	stat	stat	PROPN
cblr-2966	347	16	.	.	PUNCT
cblr-2966	348	1	§	§	PROPN
cblr-2966	348	2	5	5	NUM
cblr-2966	348	3	-	-	SYM
cblr-2966	348	4	3.5	3.5	NUM
cblr-2966	348	5	-	-	SYM
cblr-2966	348	6	101	101	NUM
cblr-2966	348	7	(	(	PUNCT
cblr-2966	348	8	2008	2008	NUM
cblr-2966	348	9	)	)	PUNCT
cblr-2966	348	10	;	;	PUNCT
cblr-2966	348	11	conn	conn	PROPN
cblr-2966	348	12	.	.	PUNCT
cblr-2966	348	13	gen	gen	PROPN
cblr-2966	348	14	.	.	PROPN
cblr-2966	348	15	stat	stat	PROPN
cblr-2966	348	16	.	.	PUNCT
cblr-2966	349	1	§	§	PROPN
cblr-2966	349	2	36a-746	36a-746	NUM
cblr-2966	349	3	(	(	PUNCT
cblr-2966	349	4	2008	2008	NUM
cblr-2966	349	5	)	)	PUNCT
cblr-2966	349	6	;	;	PUNCT
cblr-2966	349	7	d.c	d.c	PROPN
cblr-2966	349	8	.	.	PROPN
cblr-2966	349	9	code	code	PROPN
cblr-2966	349	10	§	§	PROPN
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cblr-2966	349	12	-	-	SYM
cblr-2966	349	13	1151.01	1151.01	NUM
cblr-2966	349	14	(	(	PUNCT
cblr-2966	349	15	2008	2008	NUM
cblr-2966	349	16	)	)	PUNCT
cblr-2966	349	17	;	;	PUNCT
cblr-2966	349	18	fla	fla	PROPN
cblr-2966	349	19	.	.	PUNCT
cblr-2966	350	1	stat	stat	PROPN
cblr-2966	350	2	.	.	PUNCT
cblr-2966	351	1	§	§	PROPN
cblr-2966	351	2	494.00793	494.00793	NUM
cblr-2966	351	3	(	(	PUNCT
cblr-2966	351	4	2008	2008	NUM
cblr-2966	351	5	)	)	PUNCT
cblr-2966	351	6	;	;	PUNCT
cblr-2966	351	7	ga	ga	PROPN
cblr-2966	351	8	.	.	PROPN
cblr-2966	351	9	code	code	PROPN
cblr-2966	351	10	ann	ann	PROPN
cblr-2966	351	11	.	.	PUNCT
cblr-2966	352	1	§	§	PROPN
cblr-2966	352	2	7	7	NUM
cblr-2966	352	3	-	-	NUM
cblr-2966	352	4	6a-1	6a-1	NUM
cblr-2966	352	5	(	(	PUNCT
cblr-2966	352	6	2008	2008	NUM
cblr-2966	352	7	)	)	PUNCT
cblr-2966	352	8	;	;	PUNCT
cblr-2966	353	1	815	815	NUM
cblr-2966	353	2	ill	ill	ADJ
cblr-2966	353	3	.	.	PUNCT
cblr-2966	353	4	comp	comp	PROPN
cblr-2966	353	5	.	.	PUNCT
cblr-2966	354	1	stat	stat	PROPN
cblr-2966	354	2	.	.	PUNCT
cblr-2966	355	1	§	§	PROPN
cblr-2966	355	2	137/1	137/1	PROPN
cblr-2966	355	3	(	(	PUNCT
cblr-2966	355	4	2008	2008	NUM
cblr-2966	355	5	)	)	PUNCT
cblr-2966	355	6	;	;	PUNCT
cblr-2966	355	7	ind	ind	PROPN
cblr-2966	355	8	.	.	PUNCT
cblr-2966	355	9	code	code	PROPN
cblr-2966	355	10	ann	ann	PROPN
cblr-2966	355	11	.	.	PUNCT
cblr-2966	356	1	§	§	PROPN
cblr-2966	356	2	24	24	NUM
cblr-2966	356	3	-	-	PUNCT
cblr-2966	356	4	91	91	NUM
cblr-2966	356	5	-	-	SYM
cblr-2966	356	6	1	1	NUM
cblr-2966	356	7	(	(	PUNCT
cblr-2966	356	8	lexisnexis	lexisnexis	NOUN
cblr-2966	356	9	2008	2008	NUM
cblr-2966	356	10	)	)	PUNCT
cblr-2966	356	11	;	;	PUNCT
cblr-2966	357	1	kan	kan	PROPN
cblr-2966	357	2	.	.	PROPN
cblr-2966	357	3	stat	stat	PROPN
cblr-2966	357	4	.	.	PUNCT
cblr-2966	358	1	ann	ann	PROPN
cblr-2966	358	2	.	.	PUNCT
cblr-2966	359	1	§	§	PROPN
cblr-2966	359	2	16a-5	16a-5	PROPN
cblr-2966	359	3	-	-	PUNCT
cblr-2966	359	4	201	201	NUM
cblr-2966	359	5	(	(	PUNCT
cblr-2966	359	6	2008	2008	NUM
cblr-2966	359	7	)	)	PUNCT
cblr-2966	359	8	;	;	PUNCT
cblr-2966	359	9	ky	ky	PROPN
cblr-2966	359	10	.	.	PROPN
cblr-2966	359	11	rev	rev	PROPN
cblr-2966	359	12	.	.	PROPN
cblr-2966	359	13	stat	stat	PROPN
cblr-2966	359	14	.	.	PUNCT
cblr-2966	360	1	ann	ann	PROPN
cblr-2966	360	2	.	.	PUNCT
cblr-2966	361	1	§	§	PROPN
cblr-2966	361	2	360.100	360.100	NUM
cblr-2966	361	3	(	(	PUNCT
cblr-2966	361	4	lexisnexis	lexisnexis	PROPN
cblr-2966	361	5	2008	2008	NUM
cblr-2966	361	6	)	)	PUNCT
cblr-2966	361	7	;	;	PUNCT
cblr-2966	361	8	me	i	PRON
cblr-2966	361	9	.	.	PUNCT
cblr-2966	362	1	rev	rev	PROPN
cblr-2966	362	2	.	.	PROPN
cblr-2966	362	3	stat	stat	PROPN
cblr-2966	362	4	.	.	PUNCT
cblr-2966	363	1	ann	ann	PROPN
cblr-2966	363	2	.	.	PUNCT
cblr-2966	364	1	tit	tit	PROPN
cblr-2966	364	2	.	.	PUNCT
cblr-2966	365	1	9	9	NUM
cblr-2966	365	2	-	-	SYM
cblr-2966	365	3	a	a	NOUN
cblr-2966	365	4	,	,	PUNCT
cblr-2966	365	5	§	§	PROPN
cblr-2966	365	6	8	8	NUM
cblr-2966	365	7	-	-	SYM
cblr-2966	365	8	101	101	NUM
cblr-2966	365	9	(	(	PUNCT
cblr-2966	365	10	2008	2008	NUM
cblr-2966	365	11	)	)	PUNCT
cblr-2966	365	12	;	;	PUNCT
cblr-2966	365	13	mass	mass	PROPN
cblr-2966	365	14	.	.	PUNCT
cblr-2966	366	1	gen	gen	PROPN
cblr-2966	366	2	.	.	PROPN
cblr-2966	366	3	laws	laws	PROPN
cblr-2966	366	4	ann	ann	PROPN
cblr-2966	366	5	.	.	PUNCT
cblr-2966	367	1	ch	ch	PROPN
cblr-2966	367	2	.	.	PROPN
cblr-2966	367	3	183c	183c	PROPN
cblr-2966	367	4	,	,	PUNCT
cblr-2966	367	5	§	§	PROPN
cblr-2966	367	6	1	1	NUM
cblr-2966	367	7	(	(	PUNCT
cblr-2966	367	8	west	west	NOUN
cblr-2966	367	9	2008	2008	NUM
cblr-2966	367	10	)	)	PUNCT
cblr-2966	367	11	;	;	PUNCT
cblr-2966	367	12	nev	nev	PROPN
cblr-2966	367	13	.	.	PROPN
cblr-2966	367	14	rev	rev	PROPN
cblr-2966	367	15	.	.	PROPN
cblr-2966	367	16	stat	stat	PROPN
cblr-2966	367	17	.	.	PUNCT
cblr-2966	368	1	ann	ann	PROPN
cblr-2966	368	2	.	.	PUNCT
cblr-2966	369	1	§	§	PROPN
cblr-2966	369	2	598d.010	598d.010	NUM
cblr-2966	369	3	(	(	PUNCT
cblr-2966	369	4	lexisnexis	lexisnexis	NOUN
cblr-2966	369	5	2008	2008	NUM
cblr-2966	369	6	)	)	PUNCT
cblr-2966	369	7	;	;	PUNCT
cblr-2966	369	8	n.j	n.j	PROPN
cblr-2966	369	9	.	.	PROPN
cblr-2966	369	10	stat	stat	PROPN
cblr-2966	369	11	.	.	PUNCT
cblr-2966	370	1	ann	ann	PROPN
cblr-2966	370	2	.	.	PUNCT
cblr-2966	371	1	§	§	PROPN
cblr-2966	371	2	46:10b-22	46:10b-22	PROPN
cblr-2966	371	3	(	(	PUNCT
cblr-2966	371	4	west	west	NOUN
cblr-2966	371	5	2008	2008	NUM
cblr-2966	371	6	)	)	PUNCT
cblr-2966	371	7	;	;	PUNCT
cblr-2966	371	8	n.m	n.m	PROPN
cblr-2966	371	9	.	.	PROPN
cblr-2966	371	10	stat	stat	PROPN
cblr-2966	371	11	.	.	PUNCT
cblr-2966	372	1	ann	ann	PROPN
cblr-2966	372	2	.	.	PUNCT
cblr-2966	373	1	§	§	PROPN
cblr-2966	373	2	58	58	NUM
cblr-2966	373	3	-	-	SYM
cblr-2966	373	4	21a-1	21a-1	NUM
cblr-2966	373	5	(	(	PUNCT
cblr-2966	373	6	west	west	NOUN
cblr-2966	373	7	2008	2008	NUM
cblr-2966	373	8	)	)	PUNCT
cblr-2966	373	9	;	;	PUNCT
cblr-2966	373	10	n.y	n.y	PROPN
cblr-2966	373	11	.	.	PROPN
cblr-2966	373	12	banking	banking	NOUN
cblr-2966	373	13	law	law	NOUN
cblr-2966	373	14	§	§	PROPN
cblr-2966	373	15	6	6	NUM
cblr-2966	373	16	-	-	SYM
cblr-2966	373	17	1	1	NUM
cblr-2966	373	18	(	(	PUNCT
cblr-2966	373	19	mckinney	mckinney	NOUN
cblr-2966	373	20	2008	2008	NUM
cblr-2966	373	21	)	)	PUNCT
cblr-2966	373	22	;	;	PUNCT
cblr-2966	373	23	n.c	n.c	PROPN
cblr-2966	373	24	.	.	PROPN
cblr-2966	373	25	gen	gen	PROPN
cblr-2966	373	26	.	.	PROPN
cblr-2966	373	27	stat	stat	PROPN
cblr-2966	373	28	.	.	PUNCT
cblr-2966	374	1	§	§	PROPN
cblr-2966	374	2	24	24	NUM
cblr-2966	374	3	-	-	SYM
cblr-2966	374	4	1.1e	1.1e	NUM
cblr-2966	374	5	(	(	PUNCT
cblr-2966	374	6	2008	2008	NUM
cblr-2966	374	7	)	)	PUNCT
cblr-2966	374	8	;	;	PUNCT
cblr-2966	374	9	ohio	ohio	PROPN
cblr-2966	374	10	rev	rev	PROPN
cblr-2966	374	11	.	.	PROPN
cblr-2966	374	12	code	code	PROPN
cblr-2966	374	13	ann	ann	PROPN
cblr-2966	374	14	.	.	PUNCT
cblr-2966	375	1	§	§	PROPN
cblr-2966	375	2	1349.25	1349.25	NUM
cblr-2966	375	3	(	(	PUNCT
cblr-2966	375	4	west	west	PROPN
cblr-2966	375	5	2008	2008	NUM
cblr-2966	375	6	)	)	PUNCT
cblr-2966	375	7	;	;	PUNCT
cblr-2966	375	8	okla	okla	NOUN
cblr-2966	375	9	.	.	PUNCT
cblr-2966	376	1	stat	stat	PROPN
cblr-2966	376	2	.	.	PUNCT
cblr-2966	377	1	tit	tit	NOUN
cblr-2966	377	2	.	.	PUNCT
cblr-2966	378	1	14a	14a	NOUN
cblr-2966	378	2	,	,	PUNCT
cblr-2966	378	3	§	§	PROPN
cblr-2966	378	4	5	5	NUM
cblr-2966	378	5	-	-	SYM
cblr-2966	378	6	203	203	NUM
cblr-2966	378	7	(	(	PUNCT
cblr-2966	378	8	2008	2008	NUM
cblr-2966	378	9	)	)	PUNCT
cblr-2966	378	10	;	;	PUNCT
cblr-2966	378	11	s.c	s.c	PROPN
cblr-2966	378	12	.	.	PROPN
cblr-2966	378	13	code	code	PROPN
cblr-2966	378	14	ann	ann	PROPN
cblr-2966	378	15	.	.	PUNCT
cblr-2966	379	1	§	§	PROPN
cblr-2966	379	2	37	37	NUM
cblr-2966	379	3	-	-	SYM
cblr-2966	379	4	23	23	NUM
cblr-2966	379	5	-	-	SYM
cblr-2966	379	6	10	10	NUM
cblr-2966	379	7	(	(	PUNCT
cblr-2966	379	8	2008	2008	NUM
cblr-2966	379	9	)	)	PUNCT
cblr-2966	379	10	;	;	PUNCT
cblr-2966	379	11	w.	w.	PROPN
cblr-2966	379	12	va	va	PROPN
cblr-2966	379	13	.	.	PUNCT
cblr-2966	379	14	code	code	PROPN
cblr-2966	379	15	§	§	PROPN
cblr-2966	379	16	31	31	NUM
cblr-2966	379	17	-	-	SYM
cblr-2966	379	18	17	17	NUM
cblr-2966	379	19	-	-	SYM
cblr-2966	379	20	1	1	NUM
cblr-2966	379	21	(	(	PUNCT
cblr-2966	379	22	2008	2008	NUM
cblr-2966	379	23	)	)	PUNCT
cblr-2966	379	24	.	.	PUNCT
cblr-2966	380	1	in	in	ADP
cblr-2966	380	2	2007	2007	NUM
cblr-2966	380	3	,	,	PUNCT
cblr-2966	380	4	tennessee	tennessee	PROPN
cblr-2966	380	5	and	and	CCONJ
cblr-2966	380	6	rhode	rhode	PROPN
cblr-2966	380	7	island	island	NOUN
cblr-2966	380	8	joined	join	VERB
cblr-2966	380	9	the	the	DET
cblr-2966	380	10	list	list	NOUN
cblr-2966	380	11	,	,	PUNCT
cblr-2966	380	12	making	make	VERB
cblr-2966	380	13	it	it	PRON
cblr-2966	380	14	twenty	twenty	NUM
cblr-2966	380	15	-	-	PUNCT
cblr-2966	380	16	three	three	NUM
cblr-2966	380	17	.	.	PUNCT
cblr-2966	381	1	r.i	r.i	PROPN
cblr-2966	381	2	.	.	PROPN
cblr-2966	381	3	gen	gen	PROPN
cblr-2966	381	4	laws	law	NOUN
cblr-2966	381	5	§	§	PROPN
cblr-2966	381	6	3425.2	3425.2	NUM
cblr-2966	381	7	-	-	SYM
cblr-2966	381	8	1	1	NUM
cblr-2966	381	9	(	(	PUNCT
cblr-2966	381	10	2008	2008	NUM
cblr-2966	381	11	)	)	PUNCT
cblr-2966	381	12	;	;	PUNCT
cblr-2966	381	13	tenn	tenn	PROPN
cblr-2966	381	14	.	.	PROPN
cblr-2966	381	15	code	code	PROPN
cblr-2966	381	16	.	.	PUNCT
cblr-2966	382	1	ann	ann	PROPN
cblr-2966	382	2	§	§	PROPN
cblr-2966	382	3	45	45	NUM
cblr-2966	382	4	-	-	SYM
cblr-2966	382	5	20	20	NUM
cblr-2966	382	6	-	-	SYM
cblr-2966	382	7	101	101	NUM
cblr-2966	382	8	(	(	PUNCT
cblr-2966	382	9	2008	2008	NUM
cblr-2966	382	10	)	)	PUNCT
cblr-2966	382	11	.	.	PUNCT
cblr-2966	383	1	"	"	PUNCT
cblr-2966	384	1	some	some	DET
cblr-2966	384	2	articles	article	NOUN
cblr-2966	384	3	seem	seem	VERB
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cblr-2966	384	5	interpret	interpret	VERB
cblr-2966	384	6	generic	generic	ADJ
cblr-2966	384	7	consumer	consumer	NOUN
cblr-2966	384	8	protection	protection	NOUN
cblr-2966	384	9	laws	law	NOUN
cblr-2966	384	10	to	to	PART
cblr-2966	384	11	be	be	AUX
cblr-2966	384	12	predatory	predatory	ADJ
cblr-2966	384	13	lending	lending	NOUN
cblr-2966	384	14	laws	law	NOUN
cblr-2966	384	15	,	,	PUNCT
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cblr-2966	384	17	sometimes	sometimes	ADV
cblr-2966	384	18	having	having	AUX
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cblr-2966	384	20	in	in	ADP
cblr-2966	384	21	effect	effect	NOUN
cblr-2966	384	22	for	for	ADP
cblr-2966	384	23	many	many	ADJ
cblr-2966	384	24	years	year	NOUN
cblr-2966	384	25	.	.	PUNCT
cblr-2966	385	1	ho	ho	PROPN
cblr-2966	385	2	&	&	CCONJ
cblr-2966	385	3	pennington	pennington	PROPN
cblr-2966	385	4	-	-	PUNCT
cblr-2966	385	5	cross	cross	PROPN
cblr-2966	385	6	,	,	PUNCT
cblr-2966	385	7	supra	supra	ADJ
cblr-2966	385	8	note	note	PROPN
cblr-2966	385	9	14	14	NUM
cblr-2966	385	10	,	,	PUNCT
cblr-2966	385	11	at	at	ADP
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cblr-2966	385	13	.	.	PUNCT
cblr-2966	386	1	the	the	DET
cblr-2966	386	2	eleven	eleven	NUM
cblr-2966	386	3	states	state	NOUN
cblr-2966	386	4	with	with	ADP
cblr-2966	386	5	no	no	DET
cblr-2966	386	6	predatory	predatory	ADJ
cblr-2966	386	7	lending	lending	NOUN
cblr-2966	386	8	laws	law	NOUN
cblr-2966	386	9	(	(	PUNCT
cblr-2966	386	10	as	as	ADP
cblr-2966	386	11	of	of	ADP
cblr-2966	386	12	the	the	DET
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cblr-2966	386	14	of	of	ADP
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cblr-2966	386	16	)	)	PUNCT
cblr-2966	386	17	are	be	AUX
cblr-2966	386	18	:	:	PUNCT
cblr-2966	386	19	alabama	alabama	PROPN
cblr-2966	386	20	,	,	PUNCT
cblr-2966	386	21	alaska	alaska	PROPN
cblr-2966	386	22	,	,	PUNCT
cblr-2966	386	23	arizona	arizona	PROPN
cblr-2966	386	24	,	,	PUNCT
cblr-2966	386	25	delaware	delaware	PROPN
cblr-2966	386	26	,	,	PUNCT
cblr-2966	386	27	hawaii	hawaii	PROPN
cblr-2966	386	28	,	,	PUNCT
cblr-2966	386	29	iowa	iowa	PROPN
cblr-2966	386	30	,	,	PUNCT
cblr-2966	386	31	montana	montana	PROPN
cblr-2966	386	32	,	,	PUNCT
cblr-2966	386	33	north	north	NOUN
cblr-2966	386	34	dakota	dakota	PROPN
cblr-2966	386	35	,	,	PUNCT
cblr-2966	386	36	oregon	oregon	PROPN
cblr-2966	386	37	,	,	PUNCT
cblr-2966	386	38	south	south	NOUN
cblr-2966	386	39	dakota	dakota	PROPN
cblr-2966	386	40	,	,	PUNCT
cblr-2966	386	41	and	and	CCONJ
cblr-2966	386	42	washington	washington	PROPN
cblr-2966	386	43	.	.	PUNCT
cblr-2966	387	1	7	7	X
cblr-2966	387	2	"	"	PUNCT
cblr-2966	387	3	see	see	VERB
cblr-2966	387	4	generally	generally	ADV
cblr-2966	387	5	azmy	azmy	PROPN
cblr-2966	387	6	,	,	PUNCT
cblr-2966	387	7	supra	supra	PROPN
cblr-2966	387	8	note	note	NOUN
cblr-2966	387	9	19	19	NUM
cblr-2966	387	10	.	.	PUNCT
cblr-2966	388	1	no	no	INTJ
cblr-2966	388	2	.	.	PUNCT
cblr-2966	389	1	3:1021	3:1021	NUM
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cblr-2966	389	3	rethinking	rethink	VERB
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cblr-2966	389	5	liability	liability	NOUN
cblr-2966	389	6	columbia	columbia	PROPN
cblr-2966	389	7	business	business	PROPN
cblr-2966	389	8	la	la	PROPN
cblr-2966	389	9	w	w	PROPN
cblr-2966	389	10	review	review	PROPN
cblr-2966	389	11	national	national	ADJ
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cblr-2966	389	13	agencies	agency	NOUN
cblr-2966	389	14	,	,	PUNCT
cblr-2966	389	15	refused	refuse	VERB
cblr-2966	389	16	to	to	PART
cblr-2966	389	17	rate	rate	VERB
cblr-2966	389	18	subprime	subprime	ADJ
cblr-2966	389	19	securitizations	securitization	NOUN
cblr-2966	389	20	coming	come	VERB
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cblr-2966	389	24	9	9	NUM
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cblr-2966	389	27	unrated	unrated	ADJ
cblr-2966	389	28	loans	loan	NOUN
cblr-2966	389	29	are	be	AUX
cblr-2966	389	30	impossible	impossible	ADJ
cblr-2966	389	31	to	to	PART
cblr-2966	389	32	securitize	securitize	VERB
cblr-2966	389	33	,	,	PUNCT
cblr-2966	389	34	this	this	PRON
cblr-2966	389	35	essentially	essentially	ADV
cblr-2966	389	36	would	would	AUX
cblr-2966	389	37	have	have	AUX
cblr-2966	389	38	caused	cause	VERB
cblr-2966	389	39	a	a	DET
cblr-2966	389	40	total	total	ADJ
cblr-2966	389	41	collapse	collapse	NOUN
cblr-2966	389	42	of	of	ADP
cblr-2966	389	43	the	the	DET
cblr-2966	389	44	georgia	georgia	PROPN
cblr-2966	389	45	subprime	subprime	NOUN
cblr-2966	389	46	market	market	NOUN
cblr-2966	389	47	.	.	PUNCT
cblr-2966	390	1	the	the	DET
cblr-2966	390	2	georgia	georgia	PROPN
cblr-2966	390	3	legislature	legislature	NOUN
cblr-2966	390	4	repealed	repeal	VERB
cblr-2966	390	5	the	the	DET
cblr-2966	390	6	assignee	assignee	NOUN
cblr-2966	390	7	liability	liability	NOUN
cblr-2966	390	8	provisions	provision	NOUN
cblr-2966	390	9	.	.	PUNCT
cblr-2966	391	1	the	the	DET
cblr-2966	391	2	rating	rating	NOUN
cblr-2966	391	3	agencies	agency	NOUN
cblr-2966	391	4	flexed	flex	VERB
cblr-2966	391	5	their	their	PRON
cblr-2966	391	6	muscles	muscle	NOUN
cblr-2966	391	7	with	with	ADP
cblr-2966	391	8	similar	similar	ADJ
cblr-2966	391	9	results	result	NOUN
cblr-2966	391	10	when	when	SCONJ
cblr-2966	391	11	new	new	PROPN
cblr-2966	391	12	jersey	jersey	PROPN
cblr-2966	391	13	attempted	attempt	VERB
cblr-2966	391	14	to	to	PART
cblr-2966	391	15	pass	pass	VERB
cblr-2966	391	16	a	a	DET
cblr-2966	391	17	draconian	draconian	ADJ
cblr-2966	391	18	assignee	assignee	NOUN
cblr-2966	391	19	liability	liability	NOUN
cblr-2966	391	20	law.8	law.8	PROPN
cblr-2966	391	21	°	°	PROPN
cblr-2966	392	1	state	state	NOUN
cblr-2966	392	2	regulatory	regulatory	ADJ
cblr-2966	392	3	capture	capture	NOUN
cblr-2966	392	4	is	be	AUX
cblr-2966	392	5	especially	especially	ADV
cblr-2966	392	6	problematic	problematic	ADJ
cblr-2966	392	7	because	because	SCONJ
cblr-2966	392	8	there	there	PRON
cblr-2966	392	9	are	be	VERB
cblr-2966	392	10	only	only	ADV
cblr-2966	392	11	three	three	NUM
cblr-2966	392	12	rating	rating	NOUN
cblr-2966	392	13	agencies	agency	NOUN
cblr-2966	392	14	:	:	PUNCT
cblr-2966	392	15	standard	standard	PROPN
cblr-2966	392	16	&	&	CCONJ
cblr-2966	392	17	poor	poor	PROPN
cblr-2966	392	18	's	's	PART
cblr-2966	392	19	,	,	PUNCT
cblr-2966	392	20	moody	moody	PROPN
cblr-2966	392	21	's	's	PART
cblr-2966	392	22	investor	investor	NOUN
cblr-2966	392	23	services	service	NOUN
cblr-2966	392	24	,	,	PUNCT
cblr-2966	392	25	and	and	CCONJ
cblr-2966	392	26	fitch	fitch	NOUN
cblr-2966	392	27	ratings	rating	NOUN
cblr-2966	392	28	.	.	PUNCT
cblr-2966	393	1	"1	"1	NOUN
cblr-2966	393	2	due	due	ADP
cblr-2966	393	3	to	to	ADP
cblr-2966	393	4	sec	sec	PROPN
cblr-2966	393	5	regulations	regulation	NOUN
cblr-2966	393	6	,	,	PUNCT
cblr-2966	393	7	these	these	PRON
cblr-2966	393	8	are	be	AUX
cblr-2966	393	9	the	the	DET
cblr-2966	393	10	only	only	ADJ
cblr-2966	393	11	rating	rating	NOUN
cblr-2966	393	12	agencies	agency	NOUN
cblr-2966	393	13	with	with	ADP
cblr-2966	393	14	the	the	DET
cblr-2966	393	15	authority	authority	NOUN
cblr-2966	393	16	to	to	PART
cblr-2966	393	17	rate	rate	VERB
cblr-2966	393	18	securities	security	NOUN
cblr-2966	393	19	before	before	SCONJ
cblr-2966	393	20	they	they	PRON
cblr-2966	393	21	enter	enter	VERB
cblr-2966	393	22	the	the	DET
cblr-2966	393	23	national	national	ADJ
cblr-2966	393	24	securities	security	NOUN
cblr-2966	393	25	market	market	NOUN
cblr-2966	393	26	,	,	PUNCT
cblr-2966	393	27	and	and	CCONJ
cblr-2966	393	28	all	all	DET
cblr-2966	393	29	securities	security	NOUN
cblr-2966	393	30	must	must	AUX
cblr-2966	393	31	be	be	AUX
cblr-2966	393	32	rated	rate	VERB
cblr-2966	393	33	before	before	SCONJ
cblr-2966	393	34	they	they	PRON
cblr-2966	393	35	can	can	AUX
cblr-2966	393	36	be	be	AUX
cblr-2966	393	37	traded	trade	VERB
cblr-2966	393	38	.	.	PUNCT
cblr-2966	393	39	"	"	PUNCT
cblr-2966	394	1	the	the	DET
cblr-2966	394	2	privileged	privileged	ADJ
cblr-2966	394	3	raters	rater	NOUN
cblr-2966	394	4	are	be	AUX
cblr-2966	394	5	,	,	PUNCT
cblr-2966	394	6	of	of	ADP
cblr-2966	394	7	their	their	PRON
cblr-2966	394	8	own	own	ADJ
cblr-2966	394	9	admission	admission	NOUN
cblr-2966	394	10	,	,	PUNCT
cblr-2966	394	11	on	on	ADP
cblr-2966	394	12	the	the	DET
cblr-2966	394	13	side	side	NOUN
cblr-2966	394	14	of	of	ADP
cblr-2966	394	15	subprime	subprime	ADJ
cblr-2966	394	16	growth	growth	NOUN
cblr-2966	394	17	and	and	CCONJ
cblr-2966	394	18	stability	stability	NOUN
cblr-2966	394	19	or	or	CCONJ
cblr-2966	394	20	,	,	PUNCT
cblr-2966	394	21	in	in	ADP
cblr-2966	394	22	other	other	ADJ
cblr-2966	394	23	words	word	NOUN
cblr-2966	394	24	,	,	PUNCT
cblr-2966	394	25	more	more	ADJ
cblr-2966	394	26	business	business	NOUN
cblr-2966	394	27	.	.	PUNCT
cblr-2966	395	1	3	3	NUM
cblr-2966	395	2	they	they	PRON
cblr-2966	395	3	contribute	contribute	VERB
cblr-2966	395	4	to	to	ADP
cblr-2966	395	5	the	the	DET
cblr-2966	395	6	campaigns	campaign	NOUN
cblr-2966	395	7	of	of	ADP
cblr-2966	395	8	state	state	NOUN
cblr-2966	395	9	political	political	ADJ
cblr-2966	395	10	leaders	leader	NOUN
cblr-2966	395	11	,	,	PUNCT
cblr-2966	395	12	resorting	resort	VERB
cblr-2966	395	13	to	to	ADP
cblr-2966	395	14	direct	direct	VERB
cblr-2966	395	15	economic	economic	ADJ
cblr-2966	395	16	pressure	pressure	NOUN
cblr-2966	395	17	,	,	PUNCT
cblr-2966	395	18	as	as	SCONJ
cblr-2966	395	19	they	they	PRON
cblr-2966	395	20	did	do	VERB
cblr-2966	395	21	in	in	ADP
cblr-2966	395	22	georgia	georgia	PROPN
cblr-2966	395	23	and	and	CCONJ
cblr-2966	395	24	new	new	PROPN
cblr-2966	395	25	jersey	jersey	PROPN
cblr-2966	395	26	,	,	PUNCT
cblr-2966	395	27	when	when	SCONJ
cblr-2966	395	28	necessary	necessary	ADJ
cblr-2966	395	29	.	.	PUNCT
cblr-2966	396	1	4	4	NUM
cblr-2966	396	2	when	when	SCONJ
cblr-2966	396	3	a	a	DET
cblr-2966	396	4	state	state	NOUN
cblr-2966	396	5	legislature	legislature	NOUN
cblr-2966	396	6	attempts	attempt	VERB
cblr-2966	396	7	to	to	PART
cblr-2966	396	8	pass	pass	VERB
cblr-2966	396	9	an	an	DET
cblr-2966	396	10	assignee	assignee	NOUN
cblr-2966	396	11	liability	liability	NOUN
cblr-2966	396	12	law	law	NOUN
cblr-2966	396	13	,	,	PUNCT
cblr-2966	396	14	it	it	PRON
cblr-2966	396	15	faces	face	VERB
cblr-2966	396	16	a	a	DET
cblr-2966	396	17	well	well	ADV
cblr-2966	396	18	-	-	PUNCT
cblr-2966	396	19	organized	organize	VERB
cblr-2966	396	20	and	and	CCONJ
cblr-2966	396	21	wealthy	wealthy	ADJ
cblr-2966	396	22	opposition	opposition	NOUN
cblr-2966	396	23	.	.	PUNCT
cblr-2966	397	1	iv	iv	X
cblr-2966	397	2	.	.	PUNCT
cblr-2966	398	1	conceptualizing	conceptualize	VERB
cblr-2966	398	2	assignee	assignee	NOUN
cblr-2966	398	3	liability	liability	NOUN
cblr-2966	398	4	whether	whether	SCONJ
cblr-2966	398	5	at	at	ADP
cblr-2966	398	6	the	the	DET
cblr-2966	398	7	state	state	NOUN
cblr-2966	398	8	or	or	CCONJ
cblr-2966	398	9	federal	federal	ADJ
cblr-2966	398	10	level	level	NOUN
cblr-2966	398	11	,	,	PUNCT
cblr-2966	398	12	assignee	assignee	NOUN
cblr-2966	398	13	liability	liability	NOUN
cblr-2966	398	14	is	be	AUX
cblr-2966	398	15	a	a	DET
cblr-2966	398	16	hot	hot	ADJ
cblr-2966	398	17	topic	topic	NOUN
cblr-2966	398	18	in	in	ADP
cblr-2966	398	19	the	the	DET
cblr-2966	398	20	regulation	regulation	NOUN
cblr-2966	398	21	of	of	ADP
cblr-2966	398	22	subprime	subprime	ADJ
cblr-2966	398	23	lending	lending	NOUN
cblr-2966	398	24	.	.	PUNCT
cblr-2966	399	1	many	many	ADJ
cblr-2966	399	2	view	view	VERB
cblr-2966	399	3	78	78	NUM
cblr-2966	399	4	see	see	VERB
cblr-2966	399	5	engel	engel	PROPN
cblr-2966	399	6	&	&	CCONJ
cblr-2966	399	7	mccoy	mccoy	PROPN
cblr-2966	399	8	,	,	PUNCT
cblr-2966	399	9	supra	supra	PROPN
cblr-2966	399	10	note	note	PROPN
cblr-2966	399	11	25	25	NUM
cblr-2966	399	12	,	,	PUNCT
cblr-2966	399	13	at	at	ADP
cblr-2966	399	14	2099	2099	NUM
cblr-2966	399	15	;	;	PUNCT
cblr-2966	399	16	peterson	peterson	NOUN
cblr-2966	399	17	,	,	PUNCT
cblr-2966	399	18	supra	supra	PROPN
cblr-2966	399	19	note	note	PROPN
cblr-2966	399	20	36	36	NUM
cblr-2966	399	21	,	,	PUNCT
cblr-2966	399	22	at	at	ADP
cblr-2966	399	23	2243	2243	NUM
cblr-2966	399	24	.	.	PUNCT
cblr-2966	400	1	80	80	NUM
cblr-2966	400	2	see	see	VERB
cblr-2966	400	3	reiss	reiss	NOUN
cblr-2966	400	4	,	,	PUNCT
cblr-2966	400	5	supra	supra	PROPN
cblr-2966	400	6	note	note	NOUN
cblr-2966	400	7	36	36	NUM
cblr-2966	400	8	,	,	PUNCT
cblr-2966	400	9	at	at	ADP
cblr-2966	400	10	1048	1048	NUM
cblr-2966	400	11	-	-	SYM
cblr-2966	400	12	49	49	NUM
cblr-2966	400	13	(	(	PUNCT
cblr-2966	400	14	showing	show	VERB
cblr-2966	400	15	that	that	SCONJ
cblr-2966	400	16	at	at	ADP
cblr-2966	400	17	first	first	ADJ
cblr-2966	400	18	new	new	PROPN
cblr-2966	400	19	jersey	jersey	PROPN
cblr-2966	400	20	refused	refuse	VERB
cblr-2966	400	21	to	to	PART
cblr-2966	400	22	amend	amend	VERB
cblr-2966	400	23	its	its	PRON
cblr-2966	400	24	law	law	NOUN
cblr-2966	400	25	under	under	ADP
cblr-2966	400	26	the	the	DET
cblr-2966	400	27	pressure	pressure	NOUN
cblr-2966	400	28	of	of	ADP
cblr-2966	400	29	the	the	DET
cblr-2966	400	30	rating	rating	NOUN
cblr-2966	400	31	agencies	agency	NOUN
cblr-2966	400	32	,	,	PUNCT
cblr-2966	400	33	but	but	CCONJ
cblr-2966	400	34	then	then	ADV
cblr-2966	400	35	eventually	eventually	ADV
cblr-2966	400	36	was	be	AUX
cblr-2966	400	37	forced	force	VERB
cblr-2966	400	38	to	to	PART
cblr-2966	400	39	submit	submit	VERB
cblr-2966	400	40	)	)	PUNCT
cblr-2966	400	41	;	;	PUNCT
cblr-2966	400	42	n.j	n.j	PROPN
cblr-2966	400	43	.	.	PROPN
cblr-2966	400	44	stat	stat	PROPN
cblr-2966	400	45	.	.	PUNCT
cblr-2966	401	1	ann	ann	PROPN
cblr-2966	401	2	.	.	PUNCT
cblr-2966	402	1	§	§	PROPN
cblr-2966	402	2	46:10b-27	46:10b-27	PROPN
cblr-2966	402	3	(	(	PUNCT
cblr-2966	402	4	west	west	PROPN
cblr-2966	402	5	2008	2008	NUM
cblr-2966	402	6	)	)	PUNCT
cblr-2966	402	7	.	.	PUNCT
cblr-2966	403	1	s1	s1	NOUN
cblr-2966	403	2	see	see	VERB
cblr-2966	403	3	reiss	reiss	PROPN
cblr-2966	403	4	,	,	PUNCT
cblr-2966	403	5	supra	supra	PROPN
cblr-2966	403	6	note	note	NOUN
cblr-2966	403	7	36	36	NUM
cblr-2966	403	8	,	,	PUNCT
cblr-2966	403	9	at	at	ADP
cblr-2966	403	10	987	987	NUM
cblr-2966	403	11	.	.	PUNCT
cblr-2966	404	1	82	82	NUM
cblr-2966	404	2	see	see	VERB
cblr-2966	404	3	generally	generally	ADV
cblr-2966	404	4	reiss	reiss	ADJ
cblr-2966	404	5	,	,	PUNCT
cblr-2966	404	6	supra	supra	PROPN
cblr-2966	404	7	note	note	NOUN
cblr-2966	404	8	36	36	NUM
cblr-2966	404	9	,	,	PUNCT
cblr-2966	404	10	at	at	ADP
cblr-2966	404	11	987	987	NUM
cblr-2966	404	12	-	-	SYM
cblr-2966	404	13	91	91	NUM
cblr-2966	404	14	(	(	PUNCT
cblr-2966	404	15	describing	describe	VERB
cblr-2966	404	16	the	the	DET
cblr-2966	404	17	"	"	PUNCT
cblr-2966	404	18	privileged	privileged	ADJ
cblr-2966	404	19	"	"	PUNCT
cblr-2966	404	20	raters	rater	NOUN
cblr-2966	404	21	)	)	PUNCT
cblr-2966	404	22	.	.	PUNCT
cblr-2966	405	1	see	see	VERB
cblr-2966	405	2	reiss	reiss	PROPN
cblr-2966	405	3	,	,	PUNCT
cblr-2966	405	4	supra	supra	PROPN
cblr-2966	405	5	note	note	NOUN
cblr-2966	405	6	36	36	NUM
cblr-2966	405	7	,	,	PUNCT
cblr-2966	405	8	at	at	ADP
cblr-2966	405	9	988	988	NUM
cblr-2966	405	10	.	.	PUNCT
cblr-2966	406	1	see	see	VERB
cblr-2966	406	2	glenn	glenn	PROPN
cblr-2966	406	3	r.	r.	PROPN
cblr-2966	406	4	simpson	simpson	PROPN
cblr-2966	406	5	,	,	PUNCT
cblr-2966	406	6	lender	lender	NOUN
cblr-2966	406	7	lobbying	lobbying	NOUN
cblr-2966	406	8	blitz	blitz	NOUN
cblr-2966	406	9	abetted	abet	VERB
cblr-2966	406	10	mortgage	mortgage	NOUN
cblr-2966	406	11	mess	mess	NOUN
cblr-2966	406	12	,	,	PUNCT
cblr-2966	406	13	wall	wall	PROPN
cblr-2966	406	14	st	st	PROPN
cblr-2966	406	15	.	.	PROPN
cblr-2966	406	16	j.	j.	PROPN
cblr-2966	406	17	,	,	PUNCT
cblr-2966	406	18	dec	dec	PROPN
cblr-2966	406	19	.	.	PROPN
cblr-2966	406	20	31	31	NUM
cblr-2966	406	21	,	,	PUNCT
cblr-2966	406	22	2007	2007	NUM
cblr-2966	406	23	,	,	PUNCT
cblr-2966	406	24	at	at	ADP
cblr-2966	406	25	al	al	PROPN
cblr-2966	406	26	.	.	PUNCT
cblr-2966	407	1	[	[	X
cblr-2966	407	2	vol	vol	NOUN
cblr-2966	407	3	.	.	NOUN
cblr-2966	407	4	2008	2008	NUM
cblr-2966	407	5	assignee	assignee	NOUN
cblr-2966	407	6	liability	liability	NOUN
cblr-2966	407	7	as	as	ADP
cblr-2966	407	8	an	an	DET
cblr-2966	407	9	integral	integral	ADJ
cblr-2966	407	10	part	part	NOUN
cblr-2966	407	11	of	of	ADP
cblr-2966	407	12	any	any	DET
cblr-2966	407	13	predatory	predatory	ADJ
cblr-2966	407	14	lending	lend	VERB
cblr-2966	407	15	regulatory	regulatory	ADJ
cblr-2966	407	16	scheme.8	scheme.8	PROPN
cblr-2966	407	17	"	"	PUNCT
cblr-2966	407	18	yet	yet	ADV
cblr-2966	407	19	,	,	PUNCT
cblr-2966	407	20	while	while	SCONJ
cblr-2966	407	21	assignee	assignee	NOUN
cblr-2966	407	22	liability	liability	NOUN
cblr-2966	407	23	has	have	VERB
cblr-2966	407	24	an	an	DET
cblr-2966	407	25	intuitive	intuitive	ADJ
cblr-2966	407	26	appeal	appeal	NOUN
cblr-2966	407	27	,	,	PUNCT
cblr-2966	407	28	it	it	PRON
cblr-2966	407	29	is	be	AUX
cblr-2966	407	30	not	not	PART
cblr-2966	407	31	clear	clear	ADJ
cblr-2966	407	32	that	that	SCONJ
cblr-2966	407	33	it	it	PRON
cblr-2966	407	34	has	have	AUX
cblr-2966	407	35	been	be	AUX
cblr-2966	407	36	properly	properly	ADV
cblr-2966	407	37	characterized	characterize	VERB
cblr-2966	407	38	to	to	ADP
cblr-2966	407	39	this	this	DET
cblr-2966	407	40	point	point	NOUN
cblr-2966	407	41	.	.	PUNCT
cblr-2966	408	1	in	in	ADP
cblr-2966	408	2	order	order	NOUN
cblr-2966	408	3	to	to	PART
cblr-2966	408	4	properly	properly	ADV
cblr-2966	408	5	characterize	characterize	VERB
cblr-2966	408	6	the	the	DET
cblr-2966	408	7	impact	impact	NOUN
cblr-2966	408	8	of	of	ADP
cblr-2966	408	9	assignee	assignee	NOUN
cblr-2966	408	10	liability	liability	NOUN
cblr-2966	408	11	,	,	PUNCT
cblr-2966	408	12	researchers	researcher	NOUN
cblr-2966	408	13	must	must	AUX
cblr-2966	408	14	put	put	VERB
cblr-2966	408	15	themselves	themselves	PRON
cblr-2966	408	16	in	in	ADP
cblr-2966	408	17	the	the	DET
cblr-2966	408	18	"	"	PUNCT
cblr-2966	408	19	shoes	shoe	NOUN
cblr-2966	408	20	"	"	PUNCT
cblr-2966	408	21	of	of	ADP
cblr-2966	408	22	the	the	DET
cblr-2966	408	23	banks	bank	NOUN
cblr-2966	408	24	and	and	CCONJ
cblr-2966	408	25	trusts	trust	NOUN
cblr-2966	408	26	.	.	PUNCT
cblr-2966	409	1	some	some	DET
cblr-2966	409	2	studies	study	NOUN
cblr-2966	409	3	have	have	AUX
cblr-2966	409	4	begun	begin	VERB
cblr-2966	409	5	such	such	DET
cblr-2966	409	6	an	an	DET
cblr-2966	409	7	analysis	analysis	NOUN
cblr-2966	409	8	.	.	PUNCT
cblr-2966	410	1	for	for	ADP
cblr-2966	410	2	example	example	NOUN
cblr-2966	410	3	,	,	PUNCT
cblr-2966	410	4	several	several	ADJ
cblr-2966	410	5	academics	academic	NOUN
cblr-2966	410	6	stress	stress	VERB
cblr-2966	410	7	the	the	DET
cblr-2966	410	8	importance	importance	NOUN
cblr-2966	410	9	of	of	ADP
cblr-2966	410	10	predictable	predictable	ADJ
cblr-2966	410	11	costs	cost	NOUN
cblr-2966	410	12	under	under	ADP
cblr-2966	410	13	any	any	DET
cblr-2966	410	14	regulation.8	regulation.8	NOUN
cblr-2966	410	15	the	the	DET
cblr-2966	410	16	two	two	NUM
cblr-2966	410	17	most	most	ADV
cblr-2966	410	18	likely	likely	ADJ
cblr-2966	410	19	bank	bank	NOUN
cblr-2966	410	20	responses	response	NOUN
cblr-2966	410	21	to	to	ADP
cblr-2966	410	22	an	an	DET
cblr-2966	410	23	assignee	assignee	NOUN
cblr-2966	410	24	liability	liability	NOUN
cblr-2966	410	25	law	law	NOUN
cblr-2966	410	26	are	be	AUX
cblr-2966	410	27	either	either	ADV
cblr-2966	410	28	to	to	PART
cblr-2966	410	29	perform	perform	VERB
cblr-2966	410	30	due	due	ADJ
cblr-2966	410	31	diligence	diligence	NOUN
cblr-2966	410	32	on	on	ADP
cblr-2966	410	33	loans	loan	NOUN
cblr-2966	410	34	targeted	target	VERB
cblr-2966	410	35	for	for	ADP
cblr-2966	410	36	securitization	securitization	NOUN
cblr-2966	410	37	or	or	CCONJ
cblr-2966	410	38	require	require	VERB
cblr-2966	410	39	solvency	solvency	NOUN
cblr-2966	410	40	from	from	ADP
cblr-2966	410	41	the	the	DET
cblr-2966	410	42	originators	originator	NOUN
cblr-2966	410	43	.	.	PUNCT
cblr-2966	411	1	7	7	NUM
cblr-2966	411	2	"	"	PUNCT
cblr-2966	411	3	see	see	NOUN
cblr-2966	411	4	,	,	PUNCT
cblr-2966	411	5	e.g.	e.g.	ADV
cblr-2966	411	6	,	,	PUNCT
cblr-2966	411	7	engel	engel	PROPN
cblr-2966	411	8	&	&	CCONJ
cblr-2966	411	9	mccoy	mccoy	PROPN
cblr-2966	411	10	,	,	PUNCT
cblr-2966	411	11	supra	supra	PROPN
cblr-2966	411	12	note	note	PROPN
cblr-2966	411	13	25	25	NUM
cblr-2966	411	14	;	;	PUNCT
cblr-2966	411	15	venkatesan	venkatesan	ADJ
cblr-2966	411	16	,	,	PUNCT
cblr-2966	411	17	supra	supra	PROPN
cblr-2966	411	18	note	note	PROPN
cblr-2966	411	19	57	57	NUM
cblr-2966	411	20	;	;	PUNCT
cblr-2966	411	21	weiner	weiner	NOUN
cblr-2966	411	22	,	,	PUNCT
cblr-2966	411	23	supra	supra	PROPN
cblr-2966	411	24	note	note	NOUN
cblr-2966	411	25	14	14	NUM
cblr-2966	411	26	.	.	PUNCT
cblr-2966	412	1	86	86	NUM
cblr-2966	412	2	see	see	VERB
cblr-2966	412	3	engel	engel	PROPN
cblr-2966	412	4	&	&	CCONJ
cblr-2966	412	5	mccoy	mccoy	PROPN
cblr-2966	412	6	,	,	PUNCT
cblr-2966	412	7	supra	supra	PROPN
cblr-2966	412	8	note	note	PROPN
cblr-2966	412	9	25	25	NUM
cblr-2966	412	10	,	,	PUNCT
cblr-2966	412	11	at	at	ADP
cblr-2966	412	12	2052	2052	NUM
cblr-2966	412	13	;	;	PUNCT
cblr-2966	412	14	peterson	peterson	PROPN
cblr-2966	412	15	,	,	PUNCT
cblr-2966	412	16	supra	supra	PROPN
cblr-2966	412	17	note	note	PROPN
cblr-2966	412	18	36	36	NUM
cblr-2966	412	19	,	,	PUNCT
cblr-2966	412	20	at	at	ADP
cblr-2966	412	21	2275	2275	NUM
cblr-2966	412	22	;	;	PUNCT
cblr-2966	412	23	weiner	weiner	NOUN
cblr-2966	412	24	,	,	PUNCT
cblr-2966	412	25	supra	supra	PROPN
cblr-2966	412	26	note	note	PROPN
cblr-2966	412	27	14	14	NUM
cblr-2966	412	28	(	(	PUNCT
cblr-2966	412	29	finding	find	VERB
cblr-2966	412	30	the	the	DET
cblr-2966	412	31	real	real	ADJ
cblr-2966	412	32	issue	issue	NOUN
cblr-2966	412	33	is	be	AUX
cblr-2966	412	34	uncertainty	uncertainty	NOUN
cblr-2966	412	35	in	in	ADP
cblr-2966	412	36	assignee	assignee	NOUN
cblr-2966	412	37	liability	liability	NOUN
cblr-2966	412	38	laws	law	NOUN
cblr-2966	412	39	)	)	PUNCT
cblr-2966	412	40	.	.	PUNCT
cblr-2966	413	1	however	however	ADV
cblr-2966	413	2	,	,	PUNCT
cblr-2966	413	3	it	it	PRON
cblr-2966	413	4	is	be	AUX
cblr-2966	413	5	hard	hard	ADJ
cblr-2966	413	6	to	to	PART
cblr-2966	413	7	accept	accept	VERB
cblr-2966	413	8	the	the	DET
cblr-2966	413	9	rating	rating	NOUN
cblr-2966	413	10	agency	agency	NOUN
cblr-2966	413	11	's	's	PART
cblr-2966	413	12	arguments	argument	NOUN
cblr-2966	413	13	that	that	SCONJ
cblr-2966	413	14	uncertain	uncertain	ADJ
cblr-2966	413	15	damages	damage	NOUN
cblr-2966	413	16	are	be	AUX
cblr-2966	413	17	incalcuable	incalcuable	ADJ
cblr-2966	413	18	.	.	PUNCT
cblr-2966	414	1	punitive	punitive	ADJ
cblr-2966	414	2	damage	damage	NOUN
cblr-2966	414	3	insurance	insurance	NOUN
cblr-2966	414	4	,	,	PUNCT
cblr-2966	414	5	although	although	SCONJ
cblr-2966	414	6	sometimes	sometimes	ADV
cblr-2966	414	7	prohibited	prohibit	VERB
cblr-2966	414	8	by	by	ADP
cblr-2966	414	9	law	law	NOUN
cblr-2966	414	10	,	,	PUNCT
cblr-2966	414	11	is	be	AUX
cblr-2966	414	12	available	available	ADJ
cblr-2966	414	13	.	.	PUNCT
cblr-2966	415	1	this	this	PRON
cblr-2966	415	2	indicates	indicate	VERB
cblr-2966	415	3	that	that	SCONJ
cblr-2966	415	4	these	these	DET
cblr-2966	415	5	damages	damage	NOUN
cblr-2966	415	6	are	be	AUX
cblr-2966	415	7	not	not	PART
cblr-2966	415	8	entirely	entirely	ADV
cblr-2966	415	9	incalculable	incalculable	ADJ
cblr-2966	415	10	.	.	PUNCT
cblr-2966	416	1	minn	minn	PROPN
cblr-2966	416	2	.	.	PUNCT
cblr-2966	416	3	stat	stat	PROPN
cblr-2966	416	4	.	.	PUNCT
cblr-2966	417	1	ann	ann	PROPN
cblr-2966	417	2	.	.	PUNCT
cblr-2966	418	1	§	§	PROPN
cblr-2966	418	2	60a.06	60a.06	PROPN
cblr-2966	418	3	(	(	PUNCT
cblr-2966	418	4	west	west	NOUN
cblr-2966	418	5	2008	2008	NUM
cblr-2966	418	6	)	)	PUNCT
cblr-2966	418	7	(	(	PUNCT
cblr-2966	418	8	demonstrating	demonstrate	VERB
cblr-2966	418	9	only	only	ADV
cblr-2966	418	10	vicarious	vicarious	ADJ
cblr-2966	418	11	liability	liability	NOUN
cblr-2966	418	12	insurance	insurance	NOUN
cblr-2966	418	13	for	for	ADP
cblr-2966	418	14	punitive	punitive	ADJ
cblr-2966	418	15	damages	damage	NOUN
cblr-2966	418	16	is	be	AUX
cblr-2966	418	17	allowed	allow	VERB
cblr-2966	418	18	in	in	ADP
cblr-2966	418	19	minnesota	minnesota	PROPN
cblr-2966	418	20	)	)	PUNCT
cblr-2966	418	21	;	;	PUNCT
cblr-2966	418	22	brown	brown	PROPN
cblr-2966	418	23	v.	v.	ADP
cblr-2966	418	24	maxey	maxey	PROPN
cblr-2966	418	25	,	,	PUNCT
cblr-2966	418	26	369	369	NUM
cblr-2966	418	27	n.w.2d	n.w.2d	PUNCT
cblr-2966	418	28	677	677	NUM
cblr-2966	418	29	,	,	PUNCT
cblr-2966	418	30	686	686	NUM
cblr-2966	418	31	-	-	SYM
cblr-2966	418	32	88	88	NUM
cblr-2966	418	33	(	(	PUNCT
cblr-2966	418	34	wis	wis	PROPN
cblr-2966	418	35	.	.	NOUN
cblr-2966	418	36	1985	1985	NUM
cblr-2966	418	37	)	)	PUNCT
cblr-2966	418	38	(	(	PUNCT
cblr-2966	418	39	indicating	indicate	VERB
cblr-2966	418	40	that	that	SCONJ
cblr-2966	418	41	punitive	punitive	ADJ
cblr-2966	418	42	damage	damage	NOUN
cblr-2966	418	43	insurance	insurance	NOUN
cblr-2966	418	44	is	be	AUX
cblr-2966	418	45	allowed	allow	VERB
cblr-2966	418	46	)	)	PUNCT
cblr-2966	418	47	.	.	PUNCT
cblr-2966	419	1	87	87	NUM
cblr-2966	419	2	there	there	PRON
cblr-2966	419	3	are	be	VERB
cblr-2966	419	4	essentially	essentially	ADV
cblr-2966	419	5	four	four	NUM
cblr-2966	419	6	options	option	NOUN
cblr-2966	419	7	for	for	ADP
cblr-2966	419	8	an	an	DET
cblr-2966	419	9	investment	investment	NOUN
cblr-2966	419	10	bank	bank	NOUN
cblr-2966	419	11	when	when	SCONJ
cblr-2966	419	12	faced	face	VERB
cblr-2966	419	13	with	with	ADP
cblr-2966	419	14	an	an	DET
cblr-2966	419	15	assignee	assignee	NOUN
cblr-2966	419	16	liability	liability	NOUN
cblr-2966	419	17	law	law	NOUN
cblr-2966	419	18	that	that	PRON
cblr-2966	419	19	covers	cover	VERB
cblr-2966	419	20	a	a	DET
cblr-2966	419	21	wider	wide	ADJ
cblr-2966	419	22	variety	variety	NOUN
cblr-2966	419	23	of	of	ADP
cblr-2966	419	24	loans	loan	NOUN
cblr-2966	419	25	:	:	PUNCT
cblr-2966	419	26	(	(	PUNCT
cblr-2966	419	27	1	1	X
cblr-2966	419	28	)	)	PUNCT
cblr-2966	419	29	accept	accept	VERB
cblr-2966	419	30	the	the	DET
cblr-2966	419	31	risk	risk	NOUN
cblr-2966	419	32	,	,	PUNCT
cblr-2966	419	33	continue	continue	VERB
cblr-2966	419	34	trading	trade	VERB
cblr-2966	419	35	as	as	ADV
cblr-2966	419	36	normal	normal	ADJ
cblr-2966	419	37	;	;	PUNCT
cblr-2966	419	38	(	(	PUNCT
cblr-2966	419	39	2	2	X
cblr-2966	419	40	)	)	PUNCT
cblr-2966	419	41	perform	perform	VERB
cblr-2966	419	42	due	due	ADJ
cblr-2966	419	43	diligence	diligence	NOUN
cblr-2966	419	44	on	on	ADP
cblr-2966	419	45	the	the	DET
cblr-2966	419	46	loans	loan	NOUN
cblr-2966	419	47	;	;	PUNCT
cblr-2966	419	48	(	(	PUNCT
cblr-2966	419	49	3	3	X
cblr-2966	419	50	)	)	PUNCT
cblr-2966	419	51	require	require	VERB
cblr-2966	419	52	solvency	solvency	NOUN
cblr-2966	419	53	from	from	ADP
cblr-2966	419	54	originators	originator	NOUN
cblr-2966	419	55	;	;	PUNCT
cblr-2966	419	56	(	(	PUNCT
cblr-2966	419	57	4	4	X
cblr-2966	419	58	)	)	PUNCT
cblr-2966	419	59	exit	exit	NOUN
cblr-2966	419	60	the	the	DET
cblr-2966	419	61	market	market	NOUN
cblr-2966	419	62	.	.	PUNCT
cblr-2966	420	1	all	all	PRON
cblr-2966	420	2	of	of	ADP
cblr-2966	420	3	these	these	PRON
cblr-2966	420	4	carry	carry	VERB
cblr-2966	420	5	certain	certain	ADJ
cblr-2966	420	6	costs	cost	NOUN
cblr-2966	420	7	,	,	PUNCT
cblr-2966	420	8	and	and	CCONJ
cblr-2966	420	9	we	we	PRON
cblr-2966	420	10	can	can	AUX
cblr-2966	420	11	expect	expect	VERB
cblr-2966	420	12	,	,	PUNCT
cblr-2966	420	13	all	all	PRON
cblr-2966	420	14	else	else	ADV
cblr-2966	420	15	equal	equal	ADJ
cblr-2966	420	16	,	,	PUNCT
cblr-2966	420	17	that	that	SCONJ
cblr-2966	420	18	the	the	DET
cblr-2966	420	19	investment	investment	NOUN
cblr-2966	420	20	bank	bank	NOUN
cblr-2966	420	21	will	will	AUX
cblr-2966	420	22	choose	choose	VERB
cblr-2966	420	23	the	the	DET
cblr-2966	420	24	least	least	ADV
cblr-2966	420	25	costly	costly	ADJ
cblr-2966	420	26	option	option	NOUN
cblr-2966	420	27	.	.	PUNCT
cblr-2966	421	1	(	(	PUNCT
cblr-2966	421	2	this	this	PRON
cblr-2966	421	3	would	would	AUX
cblr-2966	421	4	mean	mean	VERB
cblr-2966	421	5	opportunity	opportunity	NOUN
cblr-2966	421	6	cost	cost	NOUN
cblr-2966	421	7	in	in	ADP
cblr-2966	421	8	the	the	DET
cblr-2966	421	9	case	case	NOUN
cblr-2966	421	10	of	of	ADP
cblr-2966	421	11	exit	exit	NOUN
cblr-2966	421	12	or	or	CCONJ
cblr-2966	421	13	actual	actual	ADJ
cblr-2966	421	14	cost	cost	NOUN
cblr-2966	421	15	from	from	ADP
cblr-2966	421	16	legal	legal	ADJ
cblr-2966	421	17	liability	liability	NOUN
cblr-2966	421	18	in	in	ADP
cblr-2966	421	19	other	other	ADJ
cblr-2966	421	20	cases	case	NOUN
cblr-2966	421	21	.	.	PUNCT
cblr-2966	421	22	)	)	PUNCT
cblr-2966	422	1	the	the	DET
cblr-2966	422	2	bank	bank	NOUN
cblr-2966	422	3	's	's	PART
cblr-2966	422	4	action	action	NOUN
cblr-2966	422	5	depends	depend	VERB
cblr-2966	422	6	on	on	ADP
cblr-2966	422	7	a	a	DET
cblr-2966	422	8	careful	careful	ADJ
cblr-2966	422	9	calculation	calculation	NOUN
cblr-2966	422	10	of	of	ADP
cblr-2966	422	11	these	these	DET
cblr-2966	422	12	costs	cost	NOUN
cblr-2966	422	13	,	,	PUNCT
cblr-2966	422	14	and	and	CCONJ
cblr-2966	422	15	thus	thus	ADV
cblr-2966	422	16	if	if	SCONJ
cblr-2966	422	17	the	the	DET
cblr-2966	422	18	law	law	NOUN
cblr-2966	422	19	allows	allow	VERB
cblr-2966	422	20	for	for	ADP
cblr-2966	422	21	unlimited	unlimited	ADJ
cblr-2966	422	22	punitive	punitive	ADJ
cblr-2966	422	23	damages	damage	NOUN
cblr-2966	422	24	,	,	PUNCT
cblr-2966	422	25	or	or	CCONJ
cblr-2966	422	26	any	any	DET
cblr-2966	422	27	uncertain	uncertain	ADJ
cblr-2966	422	28	damages	damage	NOUN
cblr-2966	422	29	,	,	PUNCT
cblr-2966	422	30	many	many	ADJ
cblr-2966	422	31	banks	bank	NOUN
cblr-2966	422	32	are	be	AUX
cblr-2966	422	33	likely	likely	ADJ
cblr-2966	422	34	to	to	PART
cblr-2966	422	35	choose	choose	VERB
cblr-2966	422	36	exit	exit	NOUN
cblr-2966	422	37	(	(	PUNCT
cblr-2966	422	38	for	for	ADP
cblr-2966	422	39	certainty	certainty	NOUN
cblr-2966	422	40	)	)	PUNCT
cblr-2966	422	41	over	over	ADP
cblr-2966	422	42	the	the	DET
cblr-2966	422	43	unpredictable	unpredictable	ADJ
cblr-2966	422	44	cost	cost	NOUN
cblr-2966	422	45	of	of	ADP
cblr-2966	422	46	any	any	PRON
cblr-2966	422	47	of	of	ADP
cblr-2966	422	48	the	the	DET
cblr-2966	422	49	other	other	ADJ
cblr-2966	422	50	three	three	NUM
cblr-2966	422	51	options	option	NOUN
cblr-2966	422	52	.	.	PUNCT
cblr-2966	423	1	regulations	regulation	NOUN
cblr-2966	423	2	would	would	AUX
cblr-2966	423	3	not	not	PART
cblr-2966	423	4	be	be	AUX
cblr-2966	423	5	successful	successful	ADJ
cblr-2966	423	6	if	if	SCONJ
cblr-2966	423	7	the	the	DET
cblr-2966	423	8	banks	bank	NOUN
cblr-2966	423	9	chose	choose	VERB
cblr-2966	423	10	exit	exit	NOUN
cblr-2966	423	11	,	,	PUNCT
cblr-2966	423	12	given	give	VERB
cblr-2966	423	13	the	the	DET
cblr-2966	423	14	benefits	benefit	NOUN
cblr-2966	423	15	to	to	ADP
cblr-2966	423	16	housing	housing	NOUN
cblr-2966	423	17	and	and	CCONJ
cblr-2966	423	18	liquidity	liquidity	NOUN
cblr-2966	423	19	suggested	suggest	VERB
cblr-2966	423	20	earlier	early	ADV
cblr-2966	423	21	.	.	PUNCT
cblr-2966	424	1	see	see	VERB
cblr-2966	424	2	supra	supra	PROPN
cblr-2966	424	3	part	part	PROPN
cblr-2966	424	4	ii(a	ii(a	NOUN
cblr-2966	424	5	)	)	PUNCT
cblr-2966	424	6	.	.	PUNCT
cblr-2966	425	1	moreover	moreover	ADV
cblr-2966	425	2	,	,	PUNCT
cblr-2966	425	3	it	it	PRON
cblr-2966	425	4	is	be	AUX
cblr-2966	425	5	exceedingly	exceedingly	ADV
cblr-2966	425	6	unlikely	unlikely	ADJ
cblr-2966	425	7	that	that	SCONJ
cblr-2966	425	8	in	in	ADP
cblr-2966	425	9	any	any	DET
cblr-2966	425	10	binding	bind	VERB
cblr-2966	425	11	legal	legal	ADJ
cblr-2966	425	12	regime	regime	NOUN
cblr-2966	425	13	a	a	DET
cblr-2966	425	14	bank	bank	NOUN
cblr-2966	425	15	would	would	AUX
cblr-2966	425	16	choose	choose	VERB
cblr-2966	425	17	merely	merely	ADV
cblr-2966	425	18	to	to	PART
cblr-2966	425	19	accept	accept	VERB
cblr-2966	425	20	the	the	DET
cblr-2966	425	21	risk	risk	NOUN
cblr-2966	425	22	.	.	PUNCT
cblr-2966	426	1	the	the	DET
cblr-2966	426	2	only	only	ADJ
cblr-2966	426	3	way	way	NOUN
cblr-2966	426	4	a	a	DET
cblr-2966	426	5	bank	bank	NOUN
cblr-2966	426	6	would	would	AUX
cblr-2966	426	7	accept	accept	VERB
cblr-2966	426	8	the	the	DET
cblr-2966	426	9	risk	risk	NOUN
cblr-2966	426	10	is	be	AUX
cblr-2966	426	11	if	if	SCONJ
cblr-2966	426	12	the	the	DET
cblr-2966	426	13	gains	gain	NOUN
cblr-2966	426	14	to	to	ADP
cblr-2966	426	15	options	option	NOUN
cblr-2966	426	16	(	(	PUNCT
cblr-2966	426	17	2	2	NUM
cblr-2966	426	18	)	)	PUNCT
cblr-2966	426	19	or	or	CCONJ
cblr-2966	426	20	(	(	PUNCT
cblr-2966	426	21	3	3	X
cblr-2966	426	22	)	)	PUNCT
cblr-2966	426	23	minus	minus	CCONJ
cblr-2966	426	24	the	the	DET
cblr-2966	426	25	cost	cost	NOUN
cblr-2966	426	26	of	of	ADP
cblr-2966	426	27	implementing	implement	VERB
cblr-2966	426	28	(	(	PUNCT
cblr-2966	426	29	2	2	NUM
cblr-2966	426	30	)	)	PUNCT
cblr-2966	426	31	or	or	CCONJ
cblr-2966	426	32	(	(	PUNCT
cblr-2966	426	33	3	3	X
cblr-2966	426	34	)	)	PUNCT
cblr-2966	426	35	were	be	AUX
cblr-2966	426	36	greater	great	ADJ
cblr-2966	426	37	than	than	ADP
cblr-2966	426	38	the	the	DET
cblr-2966	426	39	cost	cost	NOUN
cblr-2966	426	40	of	of	ADP
cblr-2966	426	41	option	option	NOUN
cblr-2966	426	42	(	(	PUNCT
cblr-2966	426	43	1	1	NUM
cblr-2966	426	44	)	)	PUNCT
cblr-2966	426	45	.	.	PUNCT
cblr-2966	427	1	thus	thus	ADV
cblr-2966	427	2	,	,	PUNCT
cblr-2966	427	3	we	we	PRON
cblr-2966	427	4	are	be	AUX
cblr-2966	427	5	left	leave	VERB
cblr-2966	427	6	with	with	ADP
cblr-2966	427	7	options	option	NOUN
cblr-2966	427	8	(	(	PUNCT
cblr-2966	427	9	2	2	NUM
cblr-2966	427	10	)	)	PUNCT
cblr-2966	427	11	and	and	CCONJ
cblr-2966	427	12	(	(	PUNCT
cblr-2966	427	13	3	3	NUM
cblr-2966	427	14	)	)	PUNCT
cblr-2966	427	15	.	.	PUNCT
cblr-2966	428	1	no	no	INTJ
cblr-2966	428	2	.	.	PUNCT
cblr-2966	429	1	3:1021	3:1021	NUM
cblr-2966	429	2	]	]	X
cblr-2966	430	1	rethinking	rethink	VERB
cblr-2966	430	2	assignee	assignee	NOUN
cblr-2966	430	3	liability	liability	NOUN
cblr-2966	430	4	a.	a.	NOUN
cblr-2966	430	5	the	the	DET
cblr-2966	430	6	costs	cost	NOUN
cblr-2966	430	7	and	and	CCONJ
cblr-2966	430	8	uncertainties	uncertainty	NOUN
cblr-2966	430	9	of	of	ADP
cblr-2966	430	10	due	due	ADJ
cblr-2966	430	11	diligence	diligence	NOUN
cblr-2966	430	12	review	review	NOUN
cblr-2966	430	13	while	while	SCONJ
cblr-2966	430	14	due	due	ADJ
cblr-2966	430	15	diligence	diligence	NOUN
cblr-2966	430	16	review	review	NOUN
cblr-2966	430	17	appears	appear	VERB
cblr-2966	430	18	a	a	DET
cblr-2966	430	19	plausible	plausible	ADJ
cblr-2966	430	20	response	response	NOUN
cblr-2966	430	21	to	to	PART
cblr-2966	430	22	assignee	assignee	VERB
cblr-2966	430	23	liability	liability	NOUN
cblr-2966	430	24	,	,	PUNCT
cblr-2966	430	25	the	the	DET
cblr-2966	430	26	remaining	remain	VERB
cblr-2966	430	27	uncertainties	uncertainty	NOUN
cblr-2966	430	28	and	and	CCONJ
cblr-2966	430	29	considerable	considerable	ADJ
cblr-2966	430	30	costs	cost	NOUN
cblr-2966	430	31	make	make	VERB
cblr-2966	430	32	it	it	PRON
cblr-2966	430	33	an	an	DET
cblr-2966	430	34	unlikely	unlikely	ADJ
cblr-2966	430	35	solution	solution	NOUN
cblr-2966	430	36	.	.	PUNCT
cblr-2966	431	1	nevertheless	nevertheless	ADV
cblr-2966	431	2	,	,	PUNCT
cblr-2966	431	3	many	many	ADJ
cblr-2966	431	4	academics	academic	NOUN
cblr-2966	431	5	expect	expect	VERB
cblr-2966	431	6	banks	bank	NOUN
cblr-2966	431	7	to	to	PART
cblr-2966	431	8	take	take	VERB
cblr-2966	431	9	this	this	DET
cblr-2966	431	10	approach	approach	NOUN
cblr-2966	431	11	.	.	PUNCT
cblr-2966	432	1	'8	'8	PUNCT
cblr-2966	433	1	they	they	PRON
cblr-2966	433	2	cite	cite	VERB
cblr-2966	433	3	the	the	DET
cblr-2966	433	4	fact	fact	NOUN
cblr-2966	433	5	that	that	SCONJ
cblr-2966	433	6	automated	automate	VERB
cblr-2966	433	7	loan	loan	NOUN
cblr-2966	433	8	review	review	NOUN
cblr-2966	433	9	can	can	AUX
cblr-2966	433	10	cost	cost	VERB
cblr-2966	433	11	as	as	ADV
cblr-2966	433	12	little	little	ADJ
cblr-2966	433	13	as	as	ADP
cblr-2966	433	14	one	one	NUM
cblr-2966	433	15	dollar	dollar	NOUN
cblr-2966	433	16	per	per	ADP
cblr-2966	433	17	loan.89	loan.89	NOUN
cblr-2966	433	18	however	however	ADV
cblr-2966	433	19	,	,	PUNCT
cblr-2966	433	20	automated	automated	ADJ
cblr-2966	433	21	review	review	NOUN
cblr-2966	433	22	would	would	AUX
cblr-2966	433	23	not	not	PART
cblr-2966	433	24	be	be	AUX
cblr-2966	433	25	enough	enough	ADJ
cblr-2966	433	26	.	.	PUNCT
cblr-2966	434	1	there	there	PRON
cblr-2966	434	2	are	be	VERB
cblr-2966	434	3	several	several	ADJ
cblr-2966	434	4	elements	element	NOUN
cblr-2966	434	5	of	of	ADP
cblr-2966	434	6	creditworthiness	creditworthiness	NOUN
cblr-2966	434	7	that	that	PRON
cblr-2966	434	8	can	can	AUX
cblr-2966	434	9	not	not	PART
cblr-2966	434	10	be	be	AUX
cblr-2966	434	11	caught	catch	VERB
cblr-2966	434	12	on	on	ADP
cblr-2966	434	13	automated	automate	VERB
cblr-2966	434	14	review	review	NOUN
cblr-2966	434	15	:	:	PUNCT
cblr-2966	434	16	originator	originator	NOUN
cblr-2966	434	17	's	's	PART
cblr-2966	434	18	lying	lie	VERB
cblr-2966	434	19	about	about	ADP
cblr-2966	434	20	employment	employment	NOUN
cblr-2966	434	21	history	history	NOUN
cblr-2966	434	22	,	,	PUNCT
cblr-2966	434	23	home	home	NOUN
cblr-2966	434	24	appraisals	appraisal	NOUN
cblr-2966	434	25	,	,	PUNCT
cblr-2966	434	26	or	or	CCONJ
cblr-2966	434	27	applicant	applicant	ADJ
cblr-2966	434	28	income.9	income.9	NOUN
cblr-2966	434	29	since	since	SCONJ
cblr-2966	434	30	assignees	assignee	NOUN
cblr-2966	434	31	,	,	PUNCT
cblr-2966	434	32	under	under	ADP
cblr-2966	434	33	most	most	ADJ
cblr-2966	434	34	laws	law	NOUN
cblr-2966	434	35	,	,	PUNCT
cblr-2966	434	36	are	be	AUX
cblr-2966	434	37	liable	liable	ADJ
cblr-2966	434	38	for	for	ADP
cblr-2966	434	39	all	all	PRON
cblr-2966	434	40	of	of	ADP
cblr-2966	434	41	the	the	DET
cblr-2966	434	42	predatory	predatory	NOUN
cblr-2966	434	43	acts	act	NOUN
cblr-2966	434	44	of	of	ADP
cblr-2966	434	45	the	the	DET
cblr-2966	434	46	originators	originator	NOUN
cblr-2966	434	47	,	,	PUNCT
cblr-2966	434	48	this	this	PRON
cblr-2966	434	49	leaves	leave	VERB
cblr-2966	434	50	significant	significant	ADJ
cblr-2966	434	51	,	,	PUNCT
cblr-2966	434	52	likely	likely	ADV
cblr-2966	434	53	unacceptable	unacceptable	ADJ
cblr-2966	434	54	,	,	PUNCT
cblr-2966	434	55	uncertainty	uncertainty	NOUN
cblr-2966	434	56	.	.	PUNCT
cblr-2966	435	1	automated	automate	VERB
cblr-2966	435	2	review	review	NOUN
cblr-2966	435	3	would	would	AUX
cblr-2966	435	4	need	need	VERB
cblr-2966	435	5	to	to	PART
cblr-2966	435	6	be	be	AUX
cblr-2966	435	7	followed	follow	VERB
cblr-2966	435	8	-	-	PUNCT
cblr-2966	435	9	up	up	NOUN
cblr-2966	435	10	with	with	ADP
cblr-2966	435	11	an	an	DET
cblr-2966	435	12	on	on	ADP
cblr-2966	435	13	-	-	PUNCT
cblr-2966	435	14	site	site	NOUN
cblr-2966	435	15	review	review	NOUN
cblr-2966	435	16	of	of	ADP
cblr-2966	435	17	a	a	DET
cblr-2966	435	18	randomized	randomized	ADJ
cblr-2966	435	19	sample	sample	NOUN
cblr-2966	435	20	of	of	ADP
cblr-2966	435	21	the	the	DET
cblr-2966	435	22	loans	loan	NOUN
cblr-2966	435	23	.	.	PUNCT
cblr-2966	436	1	due	due	ADJ
cblr-2966	436	2	diligence	diligence	NOUN
cblr-2966	436	3	review	review	NOUN
cblr-2966	436	4	would	would	AUX
cblr-2966	436	5	quickly	quickly	ADV
cblr-2966	436	6	become	become	VERB
cblr-2966	436	7	an	an	DET
cblr-2966	436	8	expensive	expensive	ADJ
cblr-2966	436	9	and	and	CCONJ
cblr-2966	436	10	ineffective	ineffective	ADJ
cblr-2966	436	11	endeavor	endeavor	NOUN
cblr-2966	436	12	.	.	PUNCT
cblr-2966	437	1	expanding	expand	VERB
cblr-2966	437	2	both	both	DET
cblr-2966	437	3	the	the	DET
cblr-2966	437	4	coverage	coverage	NOUN
cblr-2966	437	5	and	and	CCONJ
cblr-2966	437	6	extent	extent	NOUN
cblr-2966	437	7	of	of	ADP
cblr-2966	437	8	possible	possible	ADJ
cblr-2966	437	9	damages	damage	NOUN
cblr-2966	437	10	for	for	ADP
cblr-2966	437	11	assignee	assignee	NOUN
cblr-2966	437	12	provisions	provision	NOUN
cblr-2966	437	13	would	would	AUX
cblr-2966	437	14	make	make	VERB
cblr-2966	437	15	review	review	NOUN
cblr-2966	437	16	of	of	ADP
cblr-2966	437	17	loans	loan	NOUN
cblr-2966	437	18	a	a	DET
cblr-2966	437	19	more	more	ADV
cblr-2966	437	20	high	high	ADJ
cblr-2966	437	21	-	-	PUNCT
cblr-2966	437	22	stakes	stake	NOUN
cblr-2966	437	23	and	and	CCONJ
cblr-2966	437	24	,	,	PUNCT
cblr-2966	437	25	hence	hence	ADV
cblr-2966	437	26	,	,	PUNCT
cblr-2966	437	27	even	even	ADV
cblr-2966	437	28	more	more	ADV
cblr-2966	437	29	expensive	expensive	ADJ
cblr-2966	437	30	,	,	PUNCT
cblr-2966	437	31	proposition	proposition	NOUN
cblr-2966	437	32	.	.	PUNCT
cblr-2966	438	1	even	even	ADV
cblr-2966	438	2	worse	bad	ADJ
cblr-2966	438	3	,	,	PUNCT
cblr-2966	438	4	the	the	DET
cblr-2966	438	5	review	review	NOUN
cblr-2966	438	6	would	would	AUX
cblr-2966	438	7	have	have	VERB
cblr-2966	438	8	to	to	PART
cblr-2966	438	9	be	be	AUX
cblr-2966	438	10	done	do	VERB
cblr-2966	438	11	before	before	SCONJ
cblr-2966	438	12	the	the	DET
cblr-2966	438	13	bank	bank	NOUN
cblr-2966	438	14	securitizes	securitize	VERB
cblr-2966	438	15	the	the	DET
cblr-2966	438	16	loans	loan	NOUN
cblr-2966	438	17	.	.	PUNCT
cblr-2966	439	1	since	since	SCONJ
cblr-2966	439	2	many	many	ADJ
cblr-2966	439	3	offerings	offering	NOUN
cblr-2966	439	4	are	be	AUX
cblr-2966	439	5	done	do	VERB
cblr-2966	439	6	on	on	ADP
cblr-2966	439	7	a	a	DET
cblr-2966	439	8	to	to	PART
cblr-2966	439	9	-	-	PUNCT
cblr-2966	439	10	be	be	AUX
cblr-2966	439	11	-	-	PUNCT
cblr-2966	439	12	announced	announce	VERB
cblr-2966	439	13	basis	basis	NOUN
cblr-2966	439	14	,	,	PUNCT
cblr-2966	439	15	this	this	DET
cblr-2966	439	16	sort	sort	NOUN
cblr-2966	439	17	of	of	ADP
cblr-2966	439	18	system	system	NOUN
cblr-2966	439	19	88	88	NUM
cblr-2966	439	20	see	see	NOUN
cblr-2966	439	21	,	,	PUNCT
cblr-2966	439	22	e.g.	e.g.	ADV
cblr-2966	439	23	,	,	PUNCT
cblr-2966	439	24	delvin	delvin	PROPN
cblr-2966	439	25	m.	m.	PROPN
cblr-2966	439	26	davis	davis	PROPN
cblr-2966	439	27	&	&	CCONJ
cblr-2966	439	28	ellen	ellen	PROPN
cblr-2966	439	29	schloemer	schloemer	PROPN
cblr-2966	439	30	,	,	PUNCT
cblr-2966	439	31	ctr	ctr	PROPN
cblr-2966	439	32	.	.	PUNCT
cblr-2966	440	1	for	for	ADP
cblr-2966	440	2	responsible	responsible	ADJ
cblr-2966	440	3	lending	lending	NOUN
cblr-2966	440	4	,	,	PUNCT
cblr-2966	440	5	strong	strong	ADJ
cblr-2966	440	6	compliance	compliance	NOUN
cblr-2966	440	7	systems	system	NOUN
cblr-2966	440	8	support	support	VERB
cblr-2966	440	9	profitable	profitable	ADJ
cblr-2966	440	10	lending	lending	NOUN
cblr-2966	440	11	while	while	SCONJ
cblr-2966	440	12	reducing	reduce	VERB
cblr-2966	440	13	predatory	predatory	ADJ
cblr-2966	440	14	practices	practice	NOUN
cblr-2966	440	15	(	(	PUNCT
cblr-2966	440	16	2005	2005	NUM
cblr-2966	440	17	)	)	PUNCT
cblr-2966	440	18	,	,	PUNCT
cblr-2966	440	19	http://www	http://www	PROPN
cblr-2966	440	20	.	.	PUNCT
cblr-2966	440	21	responsiblelending.org/pdfs/ipolo-compliance-costs-0705.pdf	responsiblelending.org/pdfs/ipolo-compliance-costs-0705.pdf	PROPN
cblr-2966	440	22	;	;	PUNCT
cblr-2966	440	23	engel	engel	PROPN
cblr-2966	440	24	&	&	CCONJ
cblr-2966	440	25	mccoy	mccoy	PROPN
cblr-2966	440	26	,	,	PUNCT
cblr-2966	440	27	supra	supra	PROPN
cblr-2966	440	28	note	note	PROPN
cblr-2966	440	29	25	25	NUM
cblr-2966	440	30	.	.	PUNCT
cblr-2966	441	1	contra	contra	PROPN
cblr-2966	441	2	silverman	silverman	PROPN
cblr-2966	441	3	,	,	PUNCT
cblr-2966	441	4	supra	supra	PROPN
cblr-2966	441	5	note	note	PROPN
cblr-2966	441	6	13	13	NUM
cblr-2966	441	7	.	.	SYM
cblr-2966	441	8	89	89	NUM
cblr-2966	441	9	see	see	VERB
cblr-2966	441	10	davis	davis	PROPN
cblr-2966	441	11	&	&	CCONJ
cblr-2966	441	12	schloemer	schloemer	PROPN
cblr-2966	441	13	,	,	PUNCT
cblr-2966	441	14	supra	supra	PROPN
cblr-2966	441	15	note	note	NOUN
cblr-2966	441	16	88	88	NUM
cblr-2966	441	17	,	,	PUNCT
cblr-2966	441	18	at	at	ADP
cblr-2966	441	19	6	6	NUM
cblr-2966	441	20	.	.	PUNCT
cblr-2966	442	1	assignees	assignee	NOUN
cblr-2966	442	2	could	could	AUX
cblr-2966	442	3	be	be	AUX
cblr-2966	442	4	liable	liable	ADJ
cblr-2966	442	5	for	for	ADP
cblr-2966	442	6	the	the	DET
cblr-2966	442	7	fraud	fraud	NOUN
cblr-2966	442	8	of	of	ADP
cblr-2966	442	9	the	the	DET
cblr-2966	442	10	originator	originator	NOUN
cblr-2966	442	11	on	on	ADP
cblr-2966	442	12	the	the	DET
cblr-2966	442	13	loan	loan	NOUN
cblr-2966	442	14	documents	document	NOUN
cblr-2966	442	15	themselves	themselves	PRON
cblr-2966	442	16	in	in	ADP
cblr-2966	442	17	that	that	SCONJ
cblr-2966	442	18	the	the	DET
cblr-2966	442	19	originator	originator	NOUN
cblr-2966	442	20	made	make	VERB
cblr-2966	442	21	a	a	DET
cblr-2966	442	22	loan	loan	NOUN
cblr-2966	442	23	not	not	PART
cblr-2966	442	24	based	base	VERB
cblr-2966	442	25	on	on	ADP
cblr-2966	442	26	true	true	ADJ
cblr-2966	442	27	ability	ability	NOUN
cblr-2966	442	28	to	to	PART
cblr-2966	442	29	repay	repay	VERB
cblr-2966	442	30	.	.	PUNCT
cblr-2966	443	1	most	most	ADJ
cblr-2966	443	2	of	of	ADP
cblr-2966	443	3	the	the	DET
cblr-2966	443	4	laws	law	NOUN
cblr-2966	443	5	deal	deal	NOUN
cblr-2966	443	6	,	,	PUNCT
cblr-2966	443	7	in	in	ADP
cblr-2966	443	8	terms	term	NOUN
cblr-2966	443	9	of	of	ADP
cblr-2966	443	10	culpability	culpability	NOUN
cblr-2966	443	11	,	,	PUNCT
cblr-2966	443	12	only	only	ADV
cblr-2966	443	13	with	with	ADP
cblr-2966	443	14	whether	whether	SCONJ
cblr-2966	443	15	the	the	DET
cblr-2966	443	16	loan	loan	NOUN
cblr-2966	443	17	meets	meet	VERB
cblr-2966	443	18	the	the	DET
cblr-2966	443	19	interest	interest	NOUN
cblr-2966	443	20	rate	rate	NOUN
cblr-2966	443	21	threshold	threshold	NOUN
cblr-2966	443	22	,	,	PUNCT
cblr-2966	443	23	not	not	PART
cblr-2966	443	24	whether	whether	SCONJ
cblr-2966	443	25	the	the	DET
cblr-2966	443	26	assignee	assignee	NOUN
cblr-2966	443	27	knew	know	VERB
cblr-2966	443	28	about	about	ADP
cblr-2966	443	29	the	the	DET
cblr-2966	443	30	bad	bad	ADJ
cblr-2966	443	31	acts	act	NOUN
cblr-2966	443	32	of	of	ADP
cblr-2966	443	33	the	the	DET
cblr-2966	443	34	originator	originator	NOUN
cblr-2966	443	35	.	.	PUNCT
cblr-2966	444	1	see	see	VERB
cblr-2966	444	2	815	815	NUM
cblr-2966	444	3	ill	ill	ADJ
cblr-2966	444	4	.	.	PUNCT
cblr-2966	445	1	comp	comp	PROPN
cblr-2966	445	2	.	.	PUNCT
cblr-2966	446	1	stat	stat	PROPN
cblr-2966	446	2	.	.	PUNCT
cblr-2966	447	1	137/135(d)(1	137/135(d)(1	X
cblr-2966	447	2	)	)	PUNCT
cblr-2966	447	3	(	(	PUNCT
cblr-2966	447	4	2007	2007	NUM
cblr-2966	447	5	)	)	PUNCT
cblr-2966	447	6	.	.	PUNCT
cblr-2966	448	1	90	90	NUM
cblr-2966	448	2	moreover	moreover	ADV
cblr-2966	448	3	fannie	fannie	PROPN
cblr-2966	448	4	mae	mae	PROPN
cblr-2966	448	5	and	and	CCONJ
cblr-2966	448	6	freddie	freddie	PROPN
cblr-2966	448	7	mac	mac	PROPN
cblr-2966	448	8	,	,	PUNCT
cblr-2966	448	9	the	the	DET
cblr-2966	448	10	government	government	NOUN
cblr-2966	448	11	sponsored	sponsor	VERB
cblr-2966	448	12	entities	entity	NOUN
cblr-2966	448	13	,	,	PUNCT
cblr-2966	448	14	have	have	AUX
cblr-2966	448	15	already	already	ADV
cblr-2966	448	16	instituted	institute	VERB
cblr-2966	448	17	loan	loan	NOUN
cblr-2966	448	18	review	review	NOUN
cblr-2966	448	19	.	.	PUNCT
cblr-2966	449	1	see	see	VERB
cblr-2966	449	2	engel	engel	PROPN
cblr-2966	449	3	&	&	CCONJ
cblr-2966	449	4	mccoy	mccoy	PROPN
cblr-2966	449	5	,	,	PUNCT
cblr-2966	449	6	supra	supra	PROPN
cblr-2966	449	7	note	note	PROPN
cblr-2966	449	8	25	25	NUM
cblr-2966	449	9	,	,	PUNCT
cblr-2966	449	10	at	at	ADP
cblr-2966	449	11	2095	2095	NUM
cblr-2966	449	12	(	(	PUNCT
cblr-2966	449	13	suggesting	suggest	VERB
cblr-2966	449	14	that	that	SCONJ
cblr-2966	449	15	there	there	PRON
cblr-2966	449	16	would	would	AUX
cblr-2966	449	17	still	still	ADV
cblr-2966	449	18	need	need	VERB
cblr-2966	449	19	to	to	PART
cblr-2966	449	20	be	be	AUX
cblr-2966	449	21	manual	manual	ADJ
cblr-2966	449	22	spot	spot	NOUN
cblr-2966	449	23	loan	loan	NOUN
cblr-2966	449	24	reviews	review	NOUN
cblr-2966	449	25	)	)	PUNCT
cblr-2966	449	26	.	.	PUNCT
cblr-2966	450	1	"	"	PUNCT
cblr-2966	450	2	'	'	PUNCT
cblr-2966	450	3	see	see	VERB
cblr-2966	450	4	silverman	silverman	NOUN
cblr-2966	450	5	,	,	PUNCT
cblr-2966	450	6	supra	supra	PROPN
cblr-2966	450	7	note	note	PROPN
cblr-2966	450	8	13	13	NUM
cblr-2966	450	9	,	,	PUNCT
cblr-2966	450	10	at	at	ADP
cblr-2966	450	11	515	515	NUM
cblr-2966	450	12	-	-	SYM
cblr-2966	450	13	17	17	NUM
cblr-2966	450	14	.	.	PUNCT
cblr-2966	451	1	coluamia	coluamia	NOUN
cblr-2966	451	2	b	b	NUM
cblr-2966	451	3	usiness	usiness	PROPN
cblr-2966	451	4	la	la	PROPN
cblr-2966	451	5	w	w	PROPN
cblr-2966	451	6	re	re	PROPN
cblr-2966	451	7	vie	vie	PROPN
cblr-2966	451	8	w	w	PROPN
cblr-2966	452	1	[	[	X
cblr-2966	452	2	vol	vol	NOUN
cblr-2966	452	3	.	.	NOUN
cblr-2966	452	4	2008	2008	NUM
cblr-2966	452	5	would	would	AUX
cblr-2966	452	6	be	be	AUX
cblr-2966	452	7	slower	slow	ADJ
cblr-2966	452	8	and	and	CCONJ
cblr-2966	452	9	,	,	PUNCT
cblr-2966	452	10	therefore	therefore	ADV
cblr-2966	452	11	,	,	PUNCT
cblr-2966	452	12	more	more	ADV
cblr-2966	452	13	costly	costly	ADJ
cblr-2966	452	14	.	.	PUNCT
cblr-2966	453	1	finally	finally	ADV
cblr-2966	453	2	,	,	PUNCT
cblr-2966	453	3	after	after	ADP
cblr-2966	453	4	making	make	VERB
cblr-2966	453	5	the	the	DET
cblr-2966	453	6	process	process	NOUN
cblr-2966	453	7	inefficiently	inefficiently	ADV
cblr-2966	453	8	slow	slow	ADJ
cblr-2966	453	9	and	and	CCONJ
cblr-2966	453	10	costly	costly	ADJ
cblr-2966	453	11	,	,	PUNCT
cblr-2966	453	12	the	the	DET
cblr-2966	453	13	bank	bank	NOUN
cblr-2966	453	14	would	would	AUX
cblr-2966	453	15	still	still	ADV
cblr-2966	453	16	be	be	AUX
cblr-2966	453	17	left	leave	VERB
cblr-2966	453	18	with	with	ADP
cblr-2966	453	19	a	a	DET
cblr-2966	453	20	certain	certain	ADJ
cblr-2966	453	21	probability	probability	NOUN
cblr-2966	453	22	that	that	SCONJ
cblr-2966	453	23	it	it	PRON
cblr-2966	453	24	missed	miss	VERB
cblr-2966	453	25	some	some	DET
cblr-2966	453	26	very	very	ADV
cblr-2966	453	27	egregious	egregious	ADJ
cblr-2966	453	28	loans	loan	NOUN
cblr-2966	453	29	that	that	PRON
cblr-2966	453	30	will	will	AUX
cblr-2966	453	31	later	later	ADV
cblr-2966	453	32	come	come	VERB
cblr-2966	453	33	back	back	ADV
cblr-2966	453	34	to	to	PART
cblr-2966	453	35	haunt	haunt	VERB
cblr-2966	453	36	it	it	PRON
cblr-2966	453	37	.	.	PUNCT
cblr-2966	454	1	loan	loan	NOUN
cblr-2966	454	2	review	review	NOUN
cblr-2966	454	3	is	be	AUX
cblr-2966	454	4	an	an	DET
cblr-2966	454	5	expensive	expensive	ADJ
cblr-2966	454	6	way	way	NOUN
cblr-2966	454	7	to	to	PART
cblr-2966	454	8	police	police	VERB
cblr-2966	454	9	the	the	DET
cblr-2966	454	10	subprime	subprime	ADJ
cblr-2966	454	11	market	market	NOUN
cblr-2966	454	12	.	.	PUNCT
cblr-2966	455	1	b.	b.	PROPN
cblr-2966	455	2	requiring	require	VERB
cblr-2966	455	3	solvency	solvency	NOUN
cblr-2966	455	4	:	:	PUNCT
cblr-2966	455	5	practical	practical	ADJ
cblr-2966	455	6	and	and	CCONJ
cblr-2966	455	7	legal	legal	ADJ
cblr-2966	455	8	obstacles	obstacle	NOUN
cblr-2966	455	9	requiring	require	VERB
cblr-2966	455	10	solvency	solvency	NOUN
cblr-2966	455	11	from	from	ADP
cblr-2966	455	12	originators	originator	NOUN
cblr-2966	455	13	appears	appear	VERB
cblr-2966	455	14	,	,	PUNCT
cblr-2966	455	15	at	at	ADP
cblr-2966	455	16	first	first	ADV
cblr-2966	455	17	,	,	PUNCT
cblr-2966	455	18	to	to	PART
cblr-2966	455	19	be	be	AUX
cblr-2966	455	20	a	a	DET
cblr-2966	455	21	more	more	ADV
cblr-2966	455	22	realistic	realistic	ADJ
cblr-2966	455	23	option	option	NOUN
cblr-2966	455	24	.	.	PUNCT
cblr-2966	456	1	presumably	presumably	ADV
cblr-2966	456	2	,	,	PUNCT
cblr-2966	456	3	under	under	ADP
cblr-2966	456	4	any	any	DET
cblr-2966	456	5	assignee	assignee	NOUN
cblr-2966	456	6	liability	liability	NOUN
cblr-2966	456	7	regime	regime	NOUN
cblr-2966	456	8	,	,	PUNCT
cblr-2966	456	9	the	the	DET
cblr-2966	456	10	assignee	assignee	NOUN
cblr-2966	456	11	,	,	PUNCT
cblr-2966	456	12	if	if	SCONJ
cblr-2966	456	13	sued	sue	VERB
cblr-2966	456	14	,	,	PUNCT
cblr-2966	456	15	can	can	AUX
cblr-2966	456	16	implead	implead	VERB
cblr-2966	456	17	the	the	DET
cblr-2966	456	18	originator	originator	NOUN
cblr-2966	456	19	of	of	ADP
cblr-2966	456	20	the	the	DET
cblr-2966	456	21	loan	loan	NOUN
cblr-2966	456	22	.	.	PUNCT
cblr-2966	457	1	however	however	ADV
cblr-2966	457	2	,	,	PUNCT
cblr-2966	457	3	the	the	DET
cblr-2966	457	4	originator	originator	NOUN
cblr-2966	457	5	is	be	AUX
cblr-2966	457	6	often	often	ADV
cblr-2966	457	7	insolvent	insolvent	ADJ
cblr-2966	457	8	;	;	PUNCT
cblr-2966	457	9	otherwise	otherwise	ADV
cblr-2966	457	10	the	the	DET
cblr-2966	457	11	borrower	borrower	NOUN
cblr-2966	457	12	would	would	AUX
cblr-2966	457	13	have	have	AUX
cblr-2966	457	14	sued	sue	VERB
cblr-2966	457	15	the	the	DET
cblr-2966	457	16	originator	originator	NOUN
cblr-2966	457	17	in	in	ADP
cblr-2966	457	18	the	the	DET
cblr-2966	457	19	first	first	ADJ
cblr-2966	457	20	instance.2	instance.2	PROPN
cblr-2966	457	21	one	one	NUM
cblr-2966	457	22	solution	solution	NOUN
cblr-2966	457	23	is	be	AUX
cblr-2966	457	24	for	for	SCONJ
cblr-2966	457	25	assignees	assignee	NOUN
cblr-2966	457	26	to	to	PART
cblr-2966	457	27	require	require	VERB
cblr-2966	457	28	solvency	solvency	NOUN
cblr-2966	457	29	from	from	ADP
cblr-2966	457	30	the	the	DET
cblr-2966	457	31	originator	originator	NOUN
cblr-2966	457	32	.	.	PUNCT
cblr-2966	458	1	this	this	PRON
cblr-2966	458	2	requires	require	VERB
cblr-2966	458	3	less	less	ADJ
cblr-2966	458	4	review	review	NOUN
cblr-2966	458	5	of	of	ADP
cblr-2966	458	6	loans	loan	NOUN
cblr-2966	458	7	and	and	CCONJ
cblr-2966	458	8	could	could	AUX
cblr-2966	458	9	be	be	AUX
cblr-2966	458	10	based	base	VERB
cblr-2966	458	11	on	on	ADP
cblr-2966	458	12	average	average	ADJ
cblr-2966	458	13	solvency	solvency	NOUN
cblr-2966	458	14	requirements	requirement	NOUN
cblr-2966	458	15	garnered	garner	VERB
cblr-2966	458	16	from	from	ADP
cblr-2966	458	17	readily	readily	ADV
cblr-2966	458	18	available	available	ADJ
cblr-2966	458	19	characteristics	characteristic	NOUN
cblr-2966	458	20	of	of	ADP
cblr-2966	458	21	the	the	DET
cblr-2966	458	22	loan	loan	NOUN
cblr-2966	458	23	pool	pool	NOUN
cblr-2966	458	24	,	,	PUNCT
cblr-2966	458	25	yet	yet	CCONJ
cblr-2966	458	26	this	this	DET
cblr-2966	458	27	approach	approach	NOUN
cblr-2966	458	28	is	be	AUX
cblr-2966	458	29	likely	likely	ADV
cblr-2966	458	30	more	more	ADV
cblr-2966	458	31	costly	costly	ADJ
cblr-2966	458	32	than	than	ADP
cblr-2966	458	33	due	due	ADJ
cblr-2966	458	34	diligence	diligence	NOUN
cblr-2966	458	35	.	.	PUNCT
cblr-2966	459	1	indemnification	indemnification	NOUN
cblr-2966	459	2	is	be	AUX
cblr-2966	459	3	not	not	PART
cblr-2966	459	4	costless	costless	ADJ
cblr-2966	459	5	.	.	PUNCT
cblr-2966	460	1	first	first	ADV
cblr-2966	460	2	,	,	PUNCT
cblr-2966	460	3	the	the	DET
cblr-2966	460	4	bank	bank	NOUN
cblr-2966	460	5	must	must	AUX
cblr-2966	460	6	determine	determine	VERB
cblr-2966	460	7	how	how	SCONJ
cblr-2966	460	8	much	much	ADJ
cblr-2966	460	9	solvency	solvency	NOUN
cblr-2966	460	10	to	to	ADP
cblr-2966	460	11	require.93	require.93	PROPN
cblr-2966	460	12	second	second	ADV
cblr-2966	460	13	,	,	PUNCT
cblr-2966	460	14	ensuring	ensure	VERB
cblr-2966	460	15	solvency	solvency	NOUN
cblr-2966	460	16	has	have	VERB
cblr-2966	460	17	costs	cost	NOUN
cblr-2966	460	18	.	.	PUNCT
cblr-2966	461	1	an	an	DET
cblr-2966	461	2	originator	originator	NOUN
cblr-2966	461	3	can	can	AUX
cblr-2966	461	4	appear	appear	VERB
cblr-2966	461	5	solvent	solvent	ADJ
cblr-2966	461	6	,	,	PUNCT
cblr-2966	461	7	but	but	CCONJ
cblr-2966	461	8	then	then	ADV
cblr-2966	461	9	transfer	transfer	VERB
cblr-2966	461	10	funds	fund	NOUN
cblr-2966	461	11	,	,	PUNCT
cblr-2966	461	12	declare	declare	VERB
cblr-2966	461	13	bankruptcy	bankruptcy	NOUN
cblr-2966	461	14	,	,	PUNCT
cblr-2966	461	15	or	or	CCONJ
cblr-2966	461	16	otherwise	otherwise	ADV
cblr-2966	461	17	disappear	disappear	VERB
cblr-2966	461	18	after	after	SCONJ
cblr-2966	461	19	the	the	DET
cblr-2966	461	20	loans	loan	NOUN
cblr-2966	461	21	are	be	AUX
cblr-2966	461	22	sold	sell	VERB
cblr-2966	461	23	.	.	PUNCT
cblr-2966	462	1	while	while	SCONJ
cblr-2966	462	2	larger	large	ADJ
cblr-2966	462	3	subprime	subprime	ADJ
cblr-2966	462	4	lenders	lender	NOUN
cblr-2966	462	5	would	would	AUX
cblr-2966	462	6	be	be	AUX
cblr-2966	462	7	more	more	ADV
cblr-2966	462	8	trustworthy	trustworthy	ADJ
cblr-2966	462	9	,	,	PUNCT
cblr-2966	462	10	those	those	DET
cblr-2966	462	11	outfits	outfit	NOUN
cblr-2966	462	12	are	be	AUX
cblr-2966	462	13	also	also	ADV
cblr-2966	462	14	92	92	NUM
cblr-2966	462	15	the	the	DET
cblr-2966	462	16	difficulties	difficulty	NOUN
cblr-2966	462	17	of	of	ADP
cblr-2966	462	18	litigating	litigate	VERB
cblr-2966	462	19	against	against	ADP
cblr-2966	462	20	a	a	DET
cblr-2966	462	21	trust	trust	NOUN
cblr-2966	462	22	are	be	AUX
cblr-2966	462	23	well	well	ADV
cblr-2966	462	24	documented	document	VERB
cblr-2966	462	25	.	.	PUNCT
cblr-2966	463	1	there	there	PRON
cblr-2966	463	2	are	be	VERB
cblr-2966	463	3	issues	issue	NOUN
cblr-2966	463	4	of	of	ADP
cblr-2966	463	5	finding	find	VERB
cblr-2966	463	6	who	who	PRON
cblr-2966	463	7	is	be	AUX
cblr-2966	463	8	the	the	DET
cblr-2966	463	9	right	right	ADJ
cblr-2966	463	10	party	party	NOUN
cblr-2966	463	11	to	to	PART
cblr-2966	463	12	sue	sue	VERB
cblr-2966	463	13	,	,	PUNCT
cblr-2966	463	14	ensuring	ensure	VERB
cblr-2966	463	15	that	that	SCONJ
cblr-2966	463	16	personal	personal	ADJ
cblr-2966	463	17	jurisdiction	jurisdiction	NOUN
cblr-2966	463	18	is	be	AUX
cblr-2966	463	19	satisfied	satisfied	ADJ
cblr-2966	463	20	,	,	PUNCT
cblr-2966	463	21	and	and	CCONJ
cblr-2966	463	22	timing	timing	NOUN
cblr-2966	463	23	(	(	PUNCT
cblr-2966	463	24	in	in	ADP
cblr-2966	463	25	a	a	DET
cblr-2966	463	26	foreclosure	foreclosure	NOUN
cblr-2966	463	27	case	case	NOUN
cblr-2966	463	28	)	)	PUNCT
cblr-2966	463	29	is	be	AUX
cblr-2966	463	30	of	of	ADP
cblr-2966	463	31	paramount	paramount	ADJ
cblr-2966	463	32	importance	importance	NOUN
cblr-2966	463	33	.	.	PUNCT
cblr-2966	464	1	see	see	VERB
cblr-2966	464	2	peterson	peterson	PROPN
cblr-2966	464	3	,	,	PUNCT
cblr-2966	464	4	supra	supra	PROPN
cblr-2966	464	5	note	note	PROPN
cblr-2966	464	6	36	36	NUM
cblr-2966	464	7	,	,	PUNCT
cblr-2966	464	8	at	at	ADP
cblr-2966	464	9	2265	2265	NUM
cblr-2966	464	10	.	.	PUNCT
cblr-2966	464	11	"	"	PUNCT
cblr-2966	465	1	in	in	ADP
cblr-2966	465	2	fact	fact	NOUN
cblr-2966	465	3	,	,	PUNCT
cblr-2966	465	4	this	this	DET
cblr-2966	465	5	question	question	NOUN
cblr-2966	465	6	could	could	AUX
cblr-2966	465	7	be	be	AUX
cblr-2966	465	8	quite	quite	ADV
cblr-2966	465	9	costly	costly	ADJ
cblr-2966	465	10	and	and	CCONJ
cblr-2966	465	11	by	by	ADP
cblr-2966	465	12	itself	itself	PRON
cblr-2966	465	13	makes	make	VERB
cblr-2966	465	14	this	this	DET
cblr-2966	465	15	essentially	essentially	ADV
cblr-2966	465	16	the	the	DET
cblr-2966	465	17	same	same	ADJ
cblr-2966	465	18	as	as	ADP
cblr-2966	465	19	reviewing	review	VERB
cblr-2966	465	20	loans	loan	NOUN
cblr-2966	465	21	.	.	PUNCT
cblr-2966	466	1	either	either	CCONJ
cblr-2966	466	2	the	the	DET
cblr-2966	466	3	bank	bank	NOUN
cblr-2966	466	4	would	would	AUX
cblr-2966	466	5	need	need	VERB
cblr-2966	466	6	to	to	PART
cblr-2966	466	7	know	know	VERB
cblr-2966	466	8	exactly	exactly	ADV
cblr-2966	466	9	how	how	SCONJ
cblr-2966	466	10	much	much	ADJ
cblr-2966	466	11	insolvency	insolvency	NOUN
cblr-2966	466	12	was	be	AUX
cblr-2966	466	13	required	require	VERB
cblr-2966	466	14	,	,	PUNCT
cblr-2966	466	15	and	and	CCONJ
cblr-2966	466	16	therefore	therefore	ADV
cblr-2966	466	17	have	have	VERB
cblr-2966	466	18	to	to	PART
cblr-2966	466	19	conduct	conduct	VERB
cblr-2966	466	20	the	the	DET
cblr-2966	466	21	same	same	ADJ
cblr-2966	466	22	reviews	review	NOUN
cblr-2966	466	23	as	as	ADP
cblr-2966	466	24	before	before	ADV
cblr-2966	466	25	,	,	PUNCT
cblr-2966	466	26	or	or	CCONJ
cblr-2966	466	27	the	the	DET
cblr-2966	466	28	bank	bank	NOUN
cblr-2966	466	29	would	would	AUX
cblr-2966	466	30	need	need	VERB
cblr-2966	466	31	to	to	PART
cblr-2966	466	32	require	require	VERB
cblr-2966	466	33	an	an	DET
cblr-2966	466	34	excess	excess	ADJ
cblr-2966	466	35	amount	amount	NOUN
cblr-2966	466	36	to	to	PART
cblr-2966	466	37	make	make	VERB
cblr-2966	466	38	sure	sure	ADJ
cblr-2966	466	39	it	it	PRON
cblr-2966	466	40	was	be	AUX
cblr-2966	466	41	covered	cover	VERB
cblr-2966	466	42	.	.	PUNCT
cblr-2966	467	1	this	this	DET
cblr-2966	467	2	excess	excess	ADJ
cblr-2966	467	3	solvency	solvency	NOUN
cblr-2966	467	4	requirement	requirement	NOUN
cblr-2966	467	5	would	would	AUX
cblr-2966	467	6	shift	shift	VERB
cblr-2966	467	7	the	the	DET
cblr-2966	467	8	costs	cost	NOUN
cblr-2966	467	9	to	to	ADP
cblr-2966	467	10	the	the	DET
cblr-2966	467	11	originator	originator	NOUN
cblr-2966	467	12	,	,	PUNCT
cblr-2966	467	13	but	but	CCONJ
cblr-2966	467	14	would	would	AUX
cblr-2966	467	15	shift	shift	VERB
cblr-2966	467	16	them	they	PRON
cblr-2966	467	17	at	at	ADP
cblr-2966	467	18	an	an	DET
cblr-2966	467	19	inefficiently	inefficiently	ADV
cblr-2966	467	20	high	high	ADJ
cblr-2966	467	21	level	level	NOUN
cblr-2966	467	22	,	,	PUNCT
cblr-2966	467	23	thus	thus	ADV
cblr-2966	467	24	exaggerating	exaggerate	VERB
cblr-2966	467	25	the	the	DET
cblr-2966	467	26	impact	impact	NOUN
cblr-2966	467	27	of	of	ADP
cblr-2966	467	28	any	any	DET
cblr-2966	467	29	predatory	predatory	ADJ
cblr-2966	467	30	lending	lending	NOUN
cblr-2966	467	31	law	law	NOUN
cblr-2966	467	32	.	.	PUNCT
cblr-2966	468	1	thus	thus	ADV
cblr-2966	468	2	,	,	PUNCT
cblr-2966	468	3	it	it	PRON
cblr-2966	468	4	would	would	AUX
cblr-2966	468	5	be	be	AUX
cblr-2966	468	6	quite	quite	ADV
cblr-2966	468	7	important	important	ADJ
cblr-2966	468	8	to	to	PART
cblr-2966	468	9	determine	determine	VERB
cblr-2966	468	10	the	the	DET
cblr-2966	468	11	appropriate	appropriate	ADJ
cblr-2966	468	12	level	level	NOUN
cblr-2966	468	13	of	of	ADP
cblr-2966	468	14	solvency	solvency	NOUN
cblr-2966	468	15	required	require	VERB
cblr-2966	468	16	,	,	PUNCT
cblr-2966	468	17	and	and	CCONJ
cblr-2966	468	18	determining	determine	VERB
cblr-2966	468	19	that	that	DET
cblr-2966	468	20	level	level	NOUN
cblr-2966	468	21	may	may	AUX
cblr-2966	468	22	be	be	AUX
cblr-2966	468	23	just	just	ADV
cblr-2966	468	24	as	as	ADV
cblr-2966	468	25	costly	costly	ADJ
cblr-2966	468	26	as	as	ADP
cblr-2966	468	27	reviewing	review	VERB
cblr-2966	468	28	the	the	DET
cblr-2966	468	29	loans	loan	NOUN
cblr-2966	468	30	.	.	PUNCT
cblr-2966	469	1	no	no	INTJ
cblr-2966	469	2	.	.	PUNCT
cblr-2966	470	1	3:102	3:102	NUM
cblr-2966	470	2	11	11	NUM
cblr-2966	470	3	rethinking	rethink	VERB
cblr-2966	470	4	assignee	assignee	NOUN
cblr-2966	470	5	liability	liability	NOUN
cblr-2966	470	6	columbia	columbia	PROPN
cblr-2966	470	7	business	business	NOUN
cblr-2966	470	8	law	law	PROPN
cblr-2966	470	9	review	review	NOUN
cblr-2966	470	10	presumably	presumably	ADV
cblr-2966	470	11	least	least	ADV
cblr-2966	470	12	likely	likely	ADJ
cblr-2966	470	13	to	to	PART
cblr-2966	470	14	engage	engage	VERB
cblr-2966	470	15	in	in	ADP
cblr-2966	470	16	predatory	predatory	ADJ
cblr-2966	470	17	lending.94	lending.94	PROPN
cblr-2966	470	18	the	the	DET
cblr-2966	470	19	lenders	lender	NOUN
cblr-2966	470	20	most	most	ADV
cblr-2966	470	21	likely	likely	ADJ
cblr-2966	470	22	to	to	PART
cblr-2966	470	23	be	be	AUX
cblr-2966	470	24	predatory	predatory	ADJ
cblr-2966	470	25	,	,	PUNCT
cblr-2966	470	26	and	and	CCONJ
cblr-2966	470	27	therefore	therefore	ADV
cblr-2966	470	28	most	most	ADV
cblr-2966	470	29	likely	likely	ADJ
cblr-2966	470	30	to	to	PART
cblr-2966	470	31	create	create	VERB
cblr-2966	470	32	a	a	DET
cblr-2966	470	33	need	need	NOUN
cblr-2966	470	34	for	for	ADP
cblr-2966	470	35	indemnification	indemnification	NOUN
cblr-2966	470	36	,	,	PUNCT
cblr-2966	470	37	would	would	AUX
cblr-2966	470	38	also	also	ADV
cblr-2966	470	39	be	be	AUX
cblr-2966	470	40	the	the	DET
cblr-2966	470	41	costliest	costly	ADJ
cblr-2966	470	42	ones	one	NOUN
cblr-2966	470	43	to	to	PART
cblr-2966	470	44	indemnify	indemnify	VERB
cblr-2966	470	45	.	.	PUNCT
cblr-2966	471	1	given	give	VERB
cblr-2966	471	2	the	the	DET
cblr-2966	471	3	large	large	ADJ
cblr-2966	471	4	costs	cost	NOUN
cblr-2966	471	5	involved	involve	VERB
cblr-2966	471	6	,	,	PUNCT
cblr-2966	471	7	the	the	DET
cblr-2966	471	8	banks	bank	NOUN
cblr-2966	471	9	would	would	AUX
cblr-2966	471	10	likely	likely	ADV
cblr-2966	471	11	have	have	VERB
cblr-2966	471	12	to	to	PART
cblr-2966	471	13	create	create	VERB
cblr-2966	471	14	subsidiaries	subsidiary	NOUN
cblr-2966	471	15	for	for	ADP
cblr-2966	471	16	extending	extend	VERB
cblr-2966	471	17	credit	credit	NOUN
cblr-2966	471	18	to	to	ADP
cblr-2966	471	19	subprime	subprime	ADJ
cblr-2966	471	20	markets	market	NOUN
cblr-2966	471	21	or	or	CCONJ
cblr-2966	471	22	extend	extend	VERB
cblr-2966	471	23	subprime	subprime	ADJ
cblr-2966	471	24	credit	credit	NOUN
cblr-2966	471	25	directly	directly	ADV
cblr-2966	471	26	.	.	PUNCT
cblr-2966	472	1	yet	yet	CCONJ
cblr-2966	472	2	the	the	DET
cblr-2966	472	3	extension	extension	NOUN
cblr-2966	472	4	of	of	ADP
cblr-2966	472	5	subprime	subprime	ADJ
cblr-2966	472	6	credit	credit	NOUN
cblr-2966	472	7	directly	directly	ADV
cblr-2966	472	8	,	,	PUNCT
cblr-2966	472	9	or	or	CCONJ
cblr-2966	472	10	even	even	ADV
cblr-2966	472	11	through	through	ADP
cblr-2966	472	12	a	a	DET
cblr-2966	472	13	subsidiary	subsidiary	NOUN
cblr-2966	472	14	,	,	PUNCT
cblr-2966	472	15	has	have	VERB
cblr-2966	472	16	other	other	ADJ
cblr-2966	472	17	costs	cost	NOUN
cblr-2966	472	18	.	.	PUNCT
cblr-2966	473	1	the	the	DET
cblr-2966	473	2	first	first	ADJ
cblr-2966	473	3	is	be	AUX
cblr-2966	473	4	reputational	reputational	ADJ
cblr-2966	473	5	.	.	PUNCT
cblr-2966	474	1	many	many	ADJ
cblr-2966	474	2	banks	bank	NOUN
cblr-2966	474	3	have	have	AUX
cblr-2966	474	4	traditionally	traditionally	ADV
cblr-2966	474	5	avoided	avoid	VERB
cblr-2966	474	6	subprime	subprime	ADJ
cblr-2966	474	7	lending	lending	NOUN
cblr-2966	474	8	because	because	SCONJ
cblr-2966	474	9	it	it	PRON
cblr-2966	474	10	increases	increase	VERB
cblr-2966	474	11	the	the	DET
cblr-2966	474	12	risk	risk	NOUN
cblr-2966	474	13	of	of	ADP
cblr-2966	474	14	foreclosure	foreclosure	NOUN
cblr-2966	474	15	.	.	PUNCT
cblr-2966	475	1	banks	bank	NOUN
cblr-2966	475	2	dislike	dislike	VERB
cblr-2966	475	3	foreclosure	foreclosure	NOUN
cblr-2966	475	4	because	because	SCONJ
cblr-2966	475	5	they	they	PRON
cblr-2966	475	6	are	be	AUX
cblr-2966	475	7	expensive	expensive	ADJ
cblr-2966	475	8	and	and	CCONJ
cblr-2966	475	9	create	create	VERB
cblr-2966	475	10	potential	potential	ADJ
cblr-2966	475	11	public	public	ADJ
cblr-2966	475	12	relations	relation	NOUN
cblr-2966	475	13	fiascos.9	fiascos.9	PROPN
cblr-2966	475	14	"	"	PUNCT
cblr-2966	475	15	the	the	DET
cblr-2966	475	16	second	second	ADJ
cblr-2966	475	17	,	,	PUNCT
cblr-2966	475	18	however	however	ADV
cblr-2966	475	19	,	,	PUNCT
cblr-2966	475	20	is	be	AUX
cblr-2966	475	21	more	more	ADV
cblr-2966	475	22	serious	serious	ADJ
cblr-2966	475	23	.	.	PUNCT
cblr-2966	476	1	federal	federal	ADJ
cblr-2966	476	2	laws	law	NOUN
cblr-2966	476	3	-	-	PUNCT
cblr-2966	476	4	the	the	DET
cblr-2966	476	5	fha	fha	NOUN
cblr-2966	476	6	and	and	CCONJ
cblr-2966	476	7	the	the	DET
cblr-2966	476	8	ecoa	ecoa	NOUN
cblr-2966	476	9	-	-	PUNCT
cblr-2966	476	10	make	make	VERB
cblr-2966	476	11	it	it	PRON
cblr-2966	476	12	illegal	illegal	ADJ
cblr-2966	476	13	to	to	PART
cblr-2966	476	14	discriminate	discriminate	VERB
cblr-2966	476	15	in	in	ADP
cblr-2966	476	16	credit	credit	NOUN
cblr-2966	476	17	transactions.96	transactions.96	NOUN
cblr-2966	476	18	mere	mere	ADJ
cblr-2966	476	19	disparate	disparate	ADJ
cblr-2966	476	20	impact	impact	NOUN
cblr-2966	476	21	is	be	AUX
cblr-2966	476	22	enough	enough	ADJ
cblr-2966	476	23	for	for	ADP
cblr-2966	476	24	liability	liability	NOUN
cblr-2966	476	25	under	under	ADP
cblr-2966	476	26	these	these	DET
cblr-2966	476	27	laws	law	NOUN
cblr-2966	476	28	;	;	PUNCT
cblr-2966	476	29	they	they	PRON
cblr-2966	476	30	require	require	VERB
cblr-2966	476	31	no	no	DET
cblr-2966	476	32	proof	proof	NOUN
cblr-2966	476	33	of	of	ADP
cblr-2966	476	34	intent.97	intent.97	NOUN
cblr-2966	476	35	when	when	SCONJ
cblr-2966	476	36	faced	face	VERB
cblr-2966	476	37	with	with	ADP
cblr-2966	476	38	such	such	DET
cblr-2966	476	39	a	a	DET
cblr-2966	476	40	suit	suit	NOUN
cblr-2966	476	41	,	,	PUNCT
cblr-2966	476	42	it	it	PRON
cblr-2966	476	43	becomes	become	VERB
cblr-2966	476	44	incumbent	incumbent	ADJ
cblr-2966	476	45	on	on	ADP
cblr-2966	476	46	the	the	DET
cblr-2966	476	47	lender	lender	NOUN
cblr-2966	476	48	to	to	PART
cblr-2966	476	49	demonstrate	demonstrate	VERB
cblr-2966	476	50	that	that	SCONJ
cblr-2966	476	51	there	there	PRON
cblr-2966	476	52	was	be	VERB
cblr-2966	476	53	a	a	DET
cblr-2966	476	54	business	business	NOUN
cblr-2966	476	55	necessity	necessity	NOUN
cblr-2966	476	56	to	to	ADP
cblr-2966	476	57	the	the	PRON
cblr-2966	476	58	"	"	PUNCT
cblr-2966	476	59	although	although	SCONJ
cblr-2966	476	60	given	give	VERB
cblr-2966	476	61	the	the	DET
cblr-2966	476	62	action	action	NOUN
cblr-2966	476	63	against	against	ADP
cblr-2966	476	64	many	many	ADJ
cblr-2966	476	65	of	of	ADP
cblr-2966	476	66	the	the	DET
cblr-2966	476	67	larger	large	ADJ
cblr-2966	476	68	subprime	subprime	ADJ
cblr-2966	476	69	lenders	lender	NOUN
cblr-2966	476	70	,	,	PUNCT
cblr-2966	476	71	this	this	PRON
cblr-2966	476	72	might	might	AUX
cblr-2966	476	73	not	not	PART
cblr-2966	476	74	be	be	AUX
cblr-2966	476	75	true	true	ADJ
cblr-2966	476	76	.	.	PUNCT
cblr-2966	477	1	see	see	VERB
cblr-2966	477	2	erick	erick	PROPN
cblr-2966	477	3	bergquist	bergquist	PROPN
cblr-2966	477	4	,	,	PUNCT
cblr-2966	477	5	experts	expert	NOUN
cblr-2966	477	6	say	say	VERB
cblr-2966	477	7	lehman	lehman	PROPN
cblr-2966	477	8	case	case	NOUN
cblr-2966	477	9	is	be	AUX
cblr-2966	477	10	warning	warn	VERB
cblr-2966	477	11	,	,	PUNCT
cblr-2966	477	12	not	not	PART
cblr-2966	477	13	precedent	precedent	NOUN
cblr-2966	477	14	,	,	PUNCT
cblr-2966	477	15	am	be	AUX
cblr-2966	478	1	.	.	PUNCT
cblr-2966	478	2	banker	banker	PROPN
cblr-2966	478	3	,	,	PUNCT
cblr-2966	478	4	june	june	PROPN
cblr-2966	478	5	18	18	NUM
cblr-2966	478	6	,	,	PUNCT
cblr-2966	478	7	2003	2003	NUM
cblr-2966	478	8	,	,	PUNCT
cblr-2966	478	9	at	at	ADP
cblr-2966	478	10	6	6	NUM
cblr-2966	478	11	(	(	PUNCT
cblr-2966	478	12	referring	refer	VERB
cblr-2966	478	13	to	to	ADP
cblr-2966	478	14	a	a	DET
cblr-2966	478	15	case	case	NOUN
cblr-2966	478	16	involving	involve	VERB
cblr-2966	478	17	predatory	predatory	ADJ
cblr-2966	478	18	lending	lending	NOUN
cblr-2966	478	19	by	by	ADP
cblr-2966	478	20	first	first	ADJ
cblr-2966	478	21	alliance	alliance	NOUN
cblr-2966	478	22	on	on	ADP
cblr-2966	478	23	largescale	largescale	ADJ
cblr-2966	478	24	level	level	NOUN
cblr-2966	478	25	)	)	PUNCT
cblr-2966	478	26	.	.	PUNCT
cblr-2966	479	1	"	"	PUNCT
cblr-2966	479	2	see	see	VERB
cblr-2966	479	3	engel	engel	PROPN
cblr-2966	479	4	&	&	CCONJ
cblr-2966	479	5	mccoy	mccoy	PROPN
cblr-2966	479	6	,	,	PUNCT
cblr-2966	479	7	supra	supra	PROPN
cblr-2966	479	8	note	note	PROPN
cblr-2966	479	9	36	36	NUM
cblr-2966	479	10	,	,	PUNCT
cblr-2966	479	11	at	at	ADP
cblr-2966	479	12	1290	1290	NUM
cblr-2966	479	13	-	-	SYM
cblr-2966	479	14	91	91	NUM
cblr-2966	479	15	.	.	PUNCT
cblr-2966	480	1	banks	bank	NOUN
cblr-2966	480	2	,	,	PUNCT
cblr-2966	480	3	businesses	business	NOUN
cblr-2966	480	4	based	base	VERB
cblr-2966	480	5	largely	largely	ADV
cblr-2966	480	6	on	on	ADP
cblr-2966	480	7	trust	trust	NOUN
cblr-2966	480	8	,	,	PUNCT
cblr-2966	480	9	dislike	dislike	VERB
cblr-2966	480	10	bad	bad	ADJ
cblr-2966	480	11	press	press	NOUN
cblr-2966	480	12	,	,	PUNCT
cblr-2966	480	13	which	which	DET
cblr-2966	480	14	foreclosures	foreclosure	NOUN
cblr-2966	480	15	tend	tend	VERB
cblr-2966	480	16	to	to	PART
cblr-2966	480	17	create	create	VERB
cblr-2966	480	18	.	.	PUNCT
cblr-2966	481	1	as	as	SCONJ
cblr-2966	481	2	subprime	subprime	ADJ
cblr-2966	481	3	loans	loan	NOUN
cblr-2966	481	4	are	be	AUX
cblr-2966	481	5	more	more	ADV
cblr-2966	481	6	likely	likely	ADJ
cblr-2966	481	7	to	to	PART
cblr-2966	481	8	foreclose	foreclose	VERB
cblr-2966	481	9	,	,	PUNCT
cblr-2966	481	10	traditional	traditional	ADJ
cblr-2966	481	11	banks	bank	NOUN
cblr-2966	481	12	do	do	AUX
cblr-2966	481	13	not	not	PART
cblr-2966	481	14	want	want	VERB
cblr-2966	481	15	their	their	PRON
cblr-2966	481	16	prime	prime	ADJ
cblr-2966	481	17	customers	customer	NOUN
cblr-2966	481	18	to	to	PART
cblr-2966	481	19	feel	feel	VERB
cblr-2966	481	20	threatened	threaten	VERB
cblr-2966	481	21	by	by	ADP
cblr-2966	481	22	the	the	DET
cblr-2966	481	23	negative	negative	ADJ
cblr-2966	481	24	public	public	ADJ
cblr-2966	481	25	image	image	NOUN
cblr-2966	481	26	foreclosures	foreclosure	NOUN
cblr-2966	481	27	can	can	AUX
cblr-2966	481	28	create	create	VERB
cblr-2966	481	29	.	.	PUNCT
cblr-2966	482	1	moreover	moreover	ADV
cblr-2966	482	2	,	,	PUNCT
cblr-2966	482	3	carrying	carry	VERB
cblr-2966	482	4	subprime	subprime	ADJ
cblr-2966	482	5	loans	loan	NOUN
cblr-2966	482	6	,	,	PUNCT
cblr-2966	482	7	due	due	ADP
cblr-2966	482	8	to	to	ADP
cblr-2966	482	9	the	the	DET
cblr-2966	482	10	risk	risk	NOUN
cblr-2966	482	11	involved	involve	VERB
cblr-2966	482	12	,	,	PUNCT
cblr-2966	482	13	may	may	AUX
cblr-2966	482	14	force	force	VERB
cblr-2966	482	15	the	the	DET
cblr-2966	482	16	bank	bank	NOUN
cblr-2966	482	17	to	to	PART
cblr-2966	482	18	hold	hold	VERB
cblr-2966	482	19	a	a	DET
cblr-2966	482	20	higher	high	ADJ
cblr-2966	482	21	loan	loan	NOUN
cblr-2966	482	22	-	-	PUNCT
cblr-2966	482	23	loss	loss	NOUN
cblr-2966	482	24	reserve	reserve	NOUN
cblr-2966	482	25	ratio	ratio	NOUN
cblr-2966	482	26	.	.	PUNCT
cblr-2966	483	1	see	see	VERB
cblr-2966	483	2	i	i	PRON
cblr-2966	483	3	d.	d.	PROPN
cblr-2966	483	4	at	at	ADP
cblr-2966	483	5	1291	1291	NUM
cblr-2966	483	6	.	.	PUNCT
cblr-2966	484	1	96	96	NUM
cblr-2966	484	2	see	see	VERB
cblr-2966	484	3	42	42	NUM
cblr-2966	484	4	u.s.c	u.s.c	ADJ
cblr-2966	484	5	.	.	PUNCT
cblr-2966	485	1	§	§	PROPN
cblr-2966	485	2	§	§	PROPN
cblr-2966	485	3	3604	3604	NUM
cblr-2966	485	4	-	-	SYM
cblr-2966	485	5	05	05	NUM
cblr-2966	485	6	(	(	PUNCT
cblr-2966	485	7	2006	2006	NUM
cblr-2966	485	8	)	)	PUNCT
cblr-2966	485	9	(	(	PUNCT
cblr-2966	485	10	fha	fha	PROPN
cblr-2966	485	11	-	-	PUNCT
cblr-2966	485	12	which	which	PRON
cblr-2966	485	13	was	be	AUX
cblr-2966	485	14	implemented	implement	VERB
cblr-2966	485	15	by	by	ADP
cblr-2966	485	16	24	24	NUM
cblr-2966	485	17	c.f.r	c.f.r	NOUN
cblr-2966	485	18	.	.	PUNCT
cblr-2966	486	1	§	§	PROPN
cblr-2966	486	2	100	100	NUM
cblr-2966	486	3	)	)	PUNCT
cblr-2966	486	4	;	;	PUNCT
cblr-2966	486	5	15	15	NUM
cblr-2966	486	6	u.s.c	u.s.c	NOUN
cblr-2966	486	7	.	.	PUNCT
cblr-2966	487	1	§	§	PROPN
cblr-2966	487	2	1691	1691	NUM
cblr-2966	487	3	(	(	PUNCT
cblr-2966	487	4	2006	2006	NUM
cblr-2966	487	5	)	)	PUNCT
cblr-2966	487	6	(	(	PUNCT
cblr-2966	487	7	ecoa	ecoa	VERB
cblr-2966	487	8	as	as	SCONJ
cblr-2966	487	9	implemented	implement	VERB
cblr-2966	487	10	by	by	ADP
cblr-2966	487	11	12	12	NUM
cblr-2966	487	12	c.f.r	c.f.r	NOUN
cblr-2966	487	13	.	.	PUNCT
cblr-2966	488	1	§	§	PROPN
cblr-2966	488	2	202	202	NUM
cblr-2966	488	3	)	)	PUNCT
cblr-2966	488	4	.	.	PUNCT
cblr-2966	488	5	"	"	PUNCT
cblr-2966	489	1	see	see	VERB
cblr-2966	489	2	davis	davis	PROPN
cblr-2966	489	3	v.	v.	PROPN
cblr-2966	489	4	new	new	PROPN
cblr-2966	489	5	york	york	PROPN
cblr-2966	489	6	city	city	PROPN
cblr-2966	489	7	hous	hous	ADJ
cblr-2966	489	8	.	.	PUNCT
cblr-2966	490	1	auth	auth	PROPN
cblr-2966	490	2	.	.	PROPN
cblr-2966	490	3	,	,	PUNCT
cblr-2966	490	4	278	278	NUM
cblr-2966	490	5	f.3d	f.3d	NUM
cblr-2966	490	6	64	64	NUM
cblr-2966	490	7	,	,	PUNCT
cblr-2966	490	8	81	81	NUM
cblr-2966	490	9	(	(	PUNCT
cblr-2966	490	10	2d	2d	NUM
cblr-2966	490	11	cir	cir	NOUN
cblr-2966	490	12	.	.	PUNCT
cblr-2966	490	13	2002	2002	NUM
cblr-2966	490	14	)	)	PUNCT
cblr-2966	490	15	(	(	PUNCT
cblr-2966	490	16	finding	find	VERB
cblr-2966	490	17	discriminatory	discriminatory	ADJ
cblr-2966	490	18	effect	effect	NOUN
cblr-2966	490	19	sufficient	sufficient	ADJ
cblr-2966	490	20	to	to	PART
cblr-2966	490	21	prove	prove	VERB
cblr-2966	490	22	violation	violation	NOUN
cblr-2966	490	23	)	)	PUNCT
cblr-2966	490	24	;	;	PUNCT
cblr-2966	490	25	charleston	charleston	PROPN
cblr-2966	490	26	hous	hous	PROPN
cblr-2966	490	27	.	.	PUNCT
cblr-2966	491	1	auth	auth	PROPN
cblr-2966	491	2	.	.	PUNCT
cblr-2966	492	1	v.	v.	CCONJ
cblr-2966	492	2	u.s	u.s	PROPN
cblr-2966	492	3	.	.	PROPN
cblr-2966	492	4	dep't	dep't	PROPN
cblr-2966	492	5	.	.	PUNCT
cblr-2966	493	1	of	of	ADP
cblr-2966	493	2	agric	agric	PROPN
cblr-2966	493	3	.	.	PROPN
cblr-2966	494	1	,	,	PUNCT
cblr-2966	494	2	419	419	NUM
cblr-2966	494	3	f.3d	f.3d	NUM
cblr-2966	494	4	729	729	NUM
cblr-2966	494	5	(	(	PUNCT
cblr-2966	494	6	8th	8th	ADJ
cblr-2966	494	7	cir	cir	NOUN
cblr-2966	494	8	.	.	PROPN
cblr-2966	494	9	2005	2005	NUM
cblr-2966	494	10	)	)	PUNCT
cblr-2966	494	11	;	;	PUNCT
cblr-2966	494	12	anast	anast	NOUN
cblr-2966	494	13	v.	v.	ADP
cblr-2966	494	14	commonwealth	commonwealth	NOUN
cblr-2966	494	15	apartments	apartment	NOUN
cblr-2966	494	16	,	,	PUNCT
cblr-2966	494	17	956	956	NUM
cblr-2966	494	18	f.	f.	PROPN
cblr-2966	494	19	supp	supp	PROPN
cblr-2966	494	20	.	.	PUNCT
cblr-2966	495	1	792	792	NUM
cblr-2966	495	2	(	(	PUNCT
cblr-2966	495	3	n.d	n.d	PROPN
cblr-2966	495	4	.	.	PROPN
cblr-2966	495	5	ill	ill	PROPN
cblr-2966	495	6	.	.	PROPN
cblr-2966	495	7	1997	1997	NUM
cblr-2966	495	8	)	)	PUNCT
cblr-2966	495	9	(	(	PUNCT
cblr-2966	495	10	finding	find	VERB
cblr-2966	495	11	violation	violation	NOUN
cblr-2966	495	12	need	need	AUX
cblr-2966	495	13	not	not	PART
cblr-2966	495	14	be	be	AUX
cblr-2966	495	15	intentional	intentional	ADJ
cblr-2966	495	16	discrimination	discrimination	NOUN
cblr-2966	495	17	)	)	PUNCT
cblr-2966	495	18	.	.	PUNCT
cblr-2966	496	1	[	[	X
cblr-2966	496	2	vol	vol	NOUN
cblr-2966	496	3	.	.	PUNCT
cblr-2966	496	4	2008	2008	NUM
cblr-2966	497	1	rethinking	rethink	VERB
cblr-2966	497	2	assignee	assignee	NOUN
cblr-2966	497	3	liability	liability	NOUN
cblr-2966	497	4	practice	practice	NOUN
cblr-2966	497	5	and	and	CCONJ
cblr-2966	497	6	that	that	SCONJ
cblr-2966	497	7	there	there	PRON
cblr-2966	497	8	is	be	VERB
cblr-2966	497	9	no	no	DET
cblr-2966	497	10	less	less	ADV
cblr-2966	497	11	discriminatory	discriminatory	ADJ
cblr-2966	497	12	means	mean	NOUN
cblr-2966	497	13	to	to	PART
cblr-2966	497	14	do	do	VERB
cblr-2966	497	15	it	it	PRON
cblr-2966	497	16	.	.	PUNCT
cblr-2966	498	1	98	98	NUM
cblr-2966	498	2	as	as	SCONJ
cblr-2966	498	3	demonstrated	demonstrate	VERB
cblr-2966	498	4	in	in	ADP
cblr-2966	498	5	table	table	NOUN
cblr-2966	498	6	4	4	NUM
cblr-2966	498	7	,	,	PUNCT
cblr-2966	498	8	subprime	subprime	ADJ
cblr-2966	498	9	credit	credit	NOUN
cblr-2966	498	10	is	be	AUX
cblr-2966	498	11	disproportionately	disproportionately	ADV
cblr-2966	498	12	extended	extend	VERB
cblr-2966	498	13	to	to	ADP
cblr-2966	498	14	minority	minority	NOUN
cblr-2966	498	15	applicants	applicant	NOUN
cblr-2966	498	16	.	.	PUNCT
cblr-2966	499	1	low	low	ADJ
cblr-2966	499	2	to	to	ADP
cblr-2966	499	3	moderate	moderate	ADJ
cblr-2966	499	4	income	income	NOUN
cblr-2966	499	5	applicants	applicant	NOUN
cblr-2966	499	6	are	be	AUX
cblr-2966	499	7	very	very	ADV
cblr-2966	499	8	difficult	difficult	ADJ
cblr-2966	499	9	to	to	PART
cblr-2966	499	10	differentiate	differentiate	VERB
cblr-2966	499	11	based	base	VERB
cblr-2966	499	12	on	on	ADP
cblr-2966	499	13	their	their	PRON
cblr-2966	499	14	individual	individual	ADJ
cblr-2966	499	15	characteristics.99	characteristics.99	NOUN
cblr-2966	499	16	moreover	moreover	ADV
cblr-2966	499	17	,	,	PUNCT
cblr-2966	499	18	simply	simply	ADV
cblr-2966	499	19	increasing	increase	VERB
cblr-2966	499	20	price	price	NOUN
cblr-2966	499	21	does	do	AUX
cblr-2966	499	22	not	not	PART
cblr-2966	499	23	draw	draw	VERB
cblr-2966	499	24	in	in	ADP
cblr-2966	499	25	higher	high	ADJ
cblr-2966	499	26	quality	quality	NOUN
cblr-2966	499	27	applicants	applicant	NOUN
cblr-2966	499	28	,	,	PUNCT
cblr-2966	499	29	but	but	CCONJ
cblr-2966	499	30	instead	instead	ADV
cblr-2966	499	31	brings	bring	VERB
cblr-2966	499	32	in	in	ADP
cblr-2966	499	33	riskier	risky	ADJ
cblr-2966	499	34	ones	one	NOUN
cblr-2966	499	35	.	.	PUNCT
cblr-2966	499	36	'o	'o	PART
cblr-2966	499	37	°	°	PRON
cblr-2966	499	38	thus	thus	ADV
cblr-2966	499	39	,	,	PUNCT
cblr-2966	499	40	many	many	ADJ
cblr-2966	499	41	subprime	subprime	ADJ
cblr-2966	499	42	lending	lending	NOUN
cblr-2966	499	43	decisions	decision	NOUN
cblr-2966	499	44	are	be	AUX
cblr-2966	499	45	offered	offer	VERB
cblr-2966	499	46	at	at	ADP
cblr-2966	499	47	rates	rate	NOUN
cblr-2966	499	48	based	base	VERB
cblr-2966	499	49	on	on	ADP
cblr-2966	499	50	the	the	DET
cblr-2966	499	51	community	community	NOUN
cblr-2966	499	52	in	in	ADP
cblr-2966	499	53	which	which	PRON
cblr-2966	499	54	the	the	DET
cblr-2966	499	55	individual	individual	ADJ
cblr-2966	499	56	lives	live	VERB
cblr-2966	499	57	.	.	PUNCT
cblr-2966	500	1	troubled	troubled	ADJ
cblr-2966	500	2	communities	community	NOUN
cblr-2966	500	3	with	with	ADP
cblr-2966	500	4	a	a	DET
cblr-2966	500	5	higher	high	ADJ
cblr-2966	500	6	minority	minority	NOUN
cblr-2966	500	7	population	population	NOUN
cblr-2966	500	8	present	present	VERB
cblr-2966	500	9	a	a	DET
cblr-2966	500	10	greater	great	ADJ
cblr-2966	500	11	risk	risk	NOUN
cblr-2966	500	12	of	of	ADP
cblr-2966	500	13	stalled	stall	VERB
cblr-2966	500	14	housing	housing	NOUN
cblr-2966	500	15	values	value	NOUN
cblr-2966	500	16	,	,	PUNCT
cblr-2966	500	17	and	and	CCONJ
cblr-2966	500	18	therefore	therefore	ADV
cblr-2966	500	19	they	they	PRON
cblr-2966	500	20	systematically	systematically	ADV
cblr-2966	500	21	receive	receive	VERB
cblr-2966	500	22	higher	high	ADJ
cblr-2966	500	23	rates	rate	NOUN
cblr-2966	500	24	.	.	PUNCT
cblr-2966	501	1	'0	'0	X
cblr-2966	501	2	'	'	PART
cblr-2966	502	1	discrimination	discrimination	NOUN
cblr-2966	502	2	claims	claim	NOUN
cblr-2966	502	3	are	be	AUX
cblr-2966	502	4	harder	hard	ADJ
cblr-2966	502	5	to	to	PART
cblr-2966	502	6	make	make	VERB
cblr-2966	502	7	out	out	ADP
cblr-2966	502	8	against	against	ADP
cblr-2966	502	9	subprime	subprime	ADJ
cblr-2966	502	10	specialists	specialist	NOUN
cblr-2966	502	11	because	because	SCONJ
cblr-2966	502	12	they	they	PRON
cblr-2966	502	13	do	do	AUX
cblr-2966	502	14	not	not	PART
cblr-2966	502	15	make	make	VERB
cblr-2966	502	16	loans	loan	NOUN
cblr-2966	502	17	to	to	ADP
cblr-2966	502	18	other	other	ADJ
cblr-2966	502	19	parts	part	NOUN
cblr-2966	502	20	of	of	ADP
cblr-2966	502	21	the	the	DET
cblr-2966	502	22	population	population	NOUN
cblr-2966	502	23	.	.	PUNCT
cblr-2966	503	1	instead	instead	ADV
cblr-2966	503	2	,	,	PUNCT
cblr-2966	503	3	it	it	PRON
cblr-2966	503	4	is	be	AUX
cblr-2966	503	5	the	the	DET
cblr-2966	503	6	large	large	ADJ
cblr-2966	503	7	banks	bank	NOUN
cblr-2966	503	8	and	and	CCONJ
cblr-2966	503	9	their	their	PRON
cblr-2966	503	10	subsidiaries	subsidiary	NOUN
cblr-2966	503	11	that	that	PRON
cblr-2966	503	12	invite	invite	VERB
cblr-2966	503	13	comparison	comparison	NOUN
cblr-2966	503	14	and	and	CCONJ
cblr-2966	503	15	,	,	PUNCT
cblr-2966	503	16	consequently	consequently	ADV
cblr-2966	503	17	,	,	PUNCT
cblr-2966	503	18	liability	liability	NOUN
cblr-2966	503	19	.	.	PUNCT
cblr-2966	504	1	in	in	ADP
cblr-2966	504	2	january	january	PROPN
cblr-2966	504	3	of	of	ADP
cblr-2966	504	4	2008	2008	NUM
cblr-2966	504	5	,	,	PUNCT
cblr-2966	504	6	the	the	DET
cblr-2966	504	7	city	city	NOUN
cblr-2966	504	8	of	of	ADP
cblr-2966	504	9	baltimore	baltimore	PROPN
cblr-2966	504	10	proved	prove	VERB
cblr-2966	504	11	that	that	SCONJ
cblr-2966	504	12	the	the	DET
cblr-2966	504	13	fha	fha	PROPN
cblr-2966	504	14	is	be	AUX
cblr-2966	504	15	no	no	DET
cblr-2966	504	16	idle	idle	ADJ
cblr-2966	504	17	threat	threat	NOUN
cblr-2966	504	18	when	when	SCONJ
cblr-2966	504	19	it	it	PRON
cblr-2966	504	20	brought	bring	VERB
cblr-2966	504	21	suit	suit	NOUN
cblr-2966	504	22	against	against	ADP
cblr-2966	504	23	wells	wells	PROPN
cblr-2966	504	24	fargo	fargo	PROPN
cblr-2966	504	25	for	for	ADP
cblr-2966	504	26	reverseredlining	reverseredline	VERB
cblr-2966	504	27	disproportionately	disproportionately	ADV
cblr-2966	504	28	african	african	ADJ
cblr-2966	504	29	-	-	PUNCT
cblr-2966	504	30	american	american	ADJ
cblr-2966	504	31	neighborhoods	neighborhood	NOUN
cblr-2966	504	32	of	of	ADP
cblr-2966	504	33	the	the	DET
cblr-2966	504	34	city.102	city.102	PROPN
cblr-2966	504	35	thus	thus	ADV
cblr-2966	504	36	,	,	PUNCT
cblr-2966	504	37	bank	bank	NOUN
cblr-2966	504	38	subsidiaries	subsidiary	NOUN
cblr-2966	504	39	or	or	CCONJ
cblr-2966	504	40	"	"	PUNCT
cblr-2966	504	41	fdic	fdic	ADJ
cblr-2966	504	42	statement	statement	NOUN
cblr-2966	504	43	of	of	ADP
cblr-2966	504	44	policy	policy	NOUN
cblr-2966	504	45	says	say	VERB
cblr-2966	504	46	that	that	SCONJ
cblr-2966	504	47	the	the	DET
cblr-2966	504	48	defense	defense	NOUN
cblr-2966	504	49	to	to	PART
cblr-2966	504	50	fha	fha	PROPN
cblr-2966	504	51	disparate	disparate	ADJ
cblr-2966	504	52	impact	impact	NOUN
cblr-2966	504	53	is	be	AUX
cblr-2966	504	54	to	to	PART
cblr-2966	504	55	demonstrate	demonstrate	VERB
cblr-2966	504	56	the	the	DET
cblr-2966	504	57	practice	practice	NOUN
cblr-2966	504	58	is	be	AUX
cblr-2966	504	59	justified	justify	VERB
cblr-2966	504	60	by	by	ADP
cblr-2966	504	61	"	"	PUNCT
cblr-2966	504	62	business	business	NOUN
cblr-2966	504	63	necessity	necessity	NOUN
cblr-2966	504	64	"	"	PUNCT
cblr-2966	504	65	and	and	CCONJ
cblr-2966	504	66	that	that	SCONJ
cblr-2966	504	67	there	there	PRON
cblr-2966	504	68	is	be	VERB
cblr-2966	504	69	no	no	DET
cblr-2966	504	70	less	less	ADV
cblr-2966	504	71	discriminatory	discriminatory	ADJ
cblr-2966	504	72	alternative	alternative	NOUN
cblr-2966	504	73	.	.	PUNCT
cblr-2966	505	1	see	see	VERB
cblr-2966	505	2	policy	policy	NOUN
cblr-2966	505	3	statement	statement	NOUN
cblr-2966	505	4	on	on	ADP
cblr-2966	505	5	discrimination	discrimination	NOUN
cblr-2966	505	6	in	in	ADP
cblr-2966	505	7	lending	lending	NOUN
cblr-2966	505	8	,	,	PUNCT
cblr-2966	505	9	59	59	NUM
cblr-2966	505	10	fed	feed	VERB
cblr-2966	505	11	.	.	PUNCT
cblr-2966	506	1	reg	reg	PROPN
cblr-2966	506	2	.	.	PUNCT
cblr-2966	507	1	18267	18267	NUM
cblr-2966	507	2	-	-	SYM
cblr-2966	507	3	18268	18268	NUM
cblr-2966	507	4	(	(	PUNCT
cblr-2966	507	5	apr	apr	PROPN
cblr-2966	507	6	.	.	PROPN
cblr-2966	507	7	15	15	NUM
cblr-2966	507	8	,	,	PUNCT
cblr-2966	507	9	1994	1994	NUM
cblr-2966	507	10	)	)	PUNCT
cblr-2966	507	11	,	,	PUNCT
cblr-2966	507	12	available	available	ADJ
cblr-2966	507	13	at	at	ADP
cblr-2966	507	14	http://www.fdic.gov/regulations/laws/rules/5000-3860.html	http://www.fdic.gov/regulations/laws/rules/5000-3860.html	PROPN
cblr-2966	507	15	.	.	PUNCT
cblr-2966	507	16	"	"	PUNCT
cblr-2966	508	1	engel	engel	PROPN
cblr-2966	508	2	&	&	CCONJ
cblr-2966	508	3	mccoy	mccoy	PROPN
cblr-2966	508	4	,	,	PUNCT
cblr-2966	508	5	supra	supra	PROPN
cblr-2966	508	6	note	note	PROPN
cblr-2966	508	7	36	36	NUM
cblr-2966	508	8	,	,	PUNCT
cblr-2966	508	9	at	at	ADP
cblr-2966	508	10	1292	1292	NUM
cblr-2966	508	11	;	;	PUNCT
cblr-2966	508	12	silverman	silverman	NOUN
cblr-2966	508	13	,	,	PUNCT
cblr-2966	508	14	supra	supra	PROPN
cblr-2966	508	15	note	note	PROPN
cblr-2966	508	16	13	13	NUM
cblr-2966	508	17	,	,	PUNCT
cblr-2966	508	18	at	at	ADP
cblr-2966	508	19	534	534	NUM
cblr-2966	508	20	-	-	SYM
cblr-2966	508	21	35	35	NUM
cblr-2966	508	22	(	(	PUNCT
cblr-2966	508	23	suggesting	suggest	VERB
cblr-2966	508	24	that	that	SCONJ
cblr-2966	508	25	things	thing	NOUN
cblr-2966	508	26	like	like	ADP
cblr-2966	508	27	employment	employment	NOUN
cblr-2966	508	28	history	history	NOUN
cblr-2966	508	29	and	and	CCONJ
cblr-2966	508	30	credit	credit	NOUN
cblr-2966	508	31	history	history	NOUN
cblr-2966	508	32	often	often	ADV
cblr-2966	508	33	do	do	AUX
cblr-2966	508	34	not	not	PART
cblr-2966	508	35	tell	tell	VERB
cblr-2966	508	36	the	the	DET
cblr-2966	508	37	whole	whole	ADJ
cblr-2966	508	38	story	story	NOUN
cblr-2966	508	39	)	)	PUNCT
cblr-2966	508	40	.	.	PUNCT
cblr-2966	509	1	100	100	NUM
cblr-2966	509	2	see	see	VERB
cblr-2966	509	3	michael	michael	PROPN
cblr-2966	509	4	klausner	klausner	PROPN
cblr-2966	509	5	,	,	PUNCT
cblr-2966	509	6	market	market	NOUN
cblr-2966	509	7	failure	failure	NOUN
cblr-2966	509	8	and	and	CCONJ
cblr-2966	509	9	community	community	NOUN
cblr-2966	509	10	investment	investment	NOUN
cblr-2966	509	11	:	:	PUNCT
cblr-2966	509	12	a	a	DET
cblr-2966	509	13	market	market	NOUN
cblr-2966	509	14	-	-	PUNCT
cblr-2966	509	15	oriented	orient	VERB
cblr-2966	509	16	alternative	alternative	NOUN
cblr-2966	509	17	to	to	ADP
cblr-2966	509	18	the	the	DET
cblr-2966	509	19	community	community	NOUN
cblr-2966	509	20	reinvestment	reinvestment	NOUN
cblr-2966	509	21	act	act	NOUN
cblr-2966	509	22	,	,	PUNCT
cblr-2966	509	23	143	143	NUM
cblr-2966	509	24	u.	u.	PROPN
cblr-2966	509	25	pa	pa	PROPN
cblr-2966	509	26	.	.	PUNCT
cblr-2966	509	27	l.	l.	PROPN
cblr-2966	509	28	rev	rev	PROPN
cblr-2966	509	29	.	.	PROPN
cblr-2966	509	30	1561	1561	NUM
cblr-2966	509	31	,	,	PUNCT
cblr-2966	509	32	1566	1566	NUM
cblr-2966	509	33	-	-	SYM
cblr-2966	509	34	68	68	NUM
cblr-2966	509	35	(	(	PUNCT
cblr-2966	509	36	1995	1995	NUM
cblr-2966	509	37	)	)	PUNCT
cblr-2966	509	38	(	(	PUNCT
cblr-2966	509	39	noting	note	VERB
cblr-2966	509	40	that	that	SCONJ
cblr-2966	509	41	if	if	SCONJ
cblr-2966	509	42	lenders	lender	NOUN
cblr-2966	509	43	made	make	VERB
cblr-2966	509	44	loans	loan	NOUN
cblr-2966	509	45	to	to	ADP
cblr-2966	509	46	the	the	DET
cblr-2966	509	47	highest	high	ADJ
cblr-2966	509	48	bidders	bidder	NOUN
cblr-2966	509	49	,	,	PUNCT
cblr-2966	509	50	the	the	DET
cblr-2966	509	51	borrowers	borrower	NOUN
cblr-2966	509	52	would	would	AUX
cblr-2966	509	53	be	be	AUX
cblr-2966	509	54	the	the	DET
cblr-2966	509	55	riskiest	risky	ADJ
cblr-2966	509	56	borrowers	borrower	NOUN
cblr-2966	509	57	)	)	PUNCT
cblr-2966	509	58	.	.	PUNCT
cblr-2966	510	1	101	101	NUM
cblr-2966	510	2	see	see	VERB
cblr-2966	510	3	silverman	silverman	NOUN
cblr-2966	510	4	,	,	PUNCT
cblr-2966	510	5	supra	supra	PROPN
cblr-2966	510	6	note	note	PROPN
cblr-2966	510	7	13	13	NUM
cblr-2966	510	8	,	,	PUNCT
cblr-2966	510	9	at	at	ADP
cblr-2966	510	10	535	535	NUM
cblr-2966	510	11	-	-	SYM
cblr-2966	510	12	36	36	NUM
cblr-2966	510	13	(	(	PUNCT
cblr-2966	510	14	noting	note	VERB
cblr-2966	510	15	that	that	SCONJ
cblr-2966	510	16	race	race	NOUN
cblr-2966	510	17	might	might	AUX
cblr-2966	510	18	be	be	AUX
cblr-2966	510	19	used	use	VERB
cblr-2966	510	20	as	as	ADP
cblr-2966	510	21	a	a	DET
cblr-2966	510	22	proxy	proxy	NOUN
cblr-2966	510	23	,	,	PUNCT
cblr-2966	510	24	although	although	SCONJ
cblr-2966	510	25	illegal	illegal	ADJ
cblr-2966	510	26	,	,	PUNCT
cblr-2966	510	27	as	as	SCONJ
cblr-2966	510	28	declining	decline	VERB
cblr-2966	510	29	neighborhoods	neighborhood	NOUN
cblr-2966	510	30	present	present	VERB
cblr-2966	510	31	greater	great	ADJ
cblr-2966	510	32	risk	risk	NOUN
cblr-2966	510	33	of	of	ADP
cblr-2966	510	34	falling	fall	VERB
cblr-2966	510	35	housing	housing	NOUN
cblr-2966	510	36	values	value	NOUN
cblr-2966	510	37	)	)	PUNCT
cblr-2966	510	38	.	.	PUNCT
cblr-2966	511	1	102	102	NUM
cblr-2966	511	2	reverse	reverse	NOUN
cblr-2966	511	3	-	-	PUNCT
cblr-2966	511	4	redlining	redline	VERB
cblr-2966	511	5	refers	refer	VERB
cblr-2966	511	6	to	to	ADP
cblr-2966	511	7	the	the	DET
cblr-2966	511	8	practice	practice	NOUN
cblr-2966	511	9	of	of	ADP
cblr-2966	511	10	targeting	target	VERB
cblr-2966	511	11	certain	certain	ADJ
cblr-2966	511	12	communities	community	NOUN
cblr-2966	511	13	for	for	ADP
cblr-2966	511	14	predatory	predatory	ADJ
cblr-2966	511	15	loans	loan	NOUN
cblr-2966	511	16	.	.	PUNCT
cblr-2966	512	1	complaint	complaint	NOUN
cblr-2966	512	2	for	for	ADP
cblr-2966	512	3	declaratory	declaratory	ADJ
cblr-2966	512	4	and	and	CCONJ
cblr-2966	512	5	injunctive	injunctive	ADJ
cblr-2966	512	6	relief	relief	NOUN
cblr-2966	512	7	and	and	CCONJ
cblr-2966	512	8	damages	damage	NOUN
cblr-2966	512	9	,	,	PUNCT
cblr-2966	512	10	mayor	mayor	NOUN
cblr-2966	512	11	&	&	CCONJ
cblr-2966	512	12	city	city	PROPN
cblr-2966	512	13	council	council	PROPN
cblr-2966	512	14	of	of	ADP
cblr-2966	512	15	baltimore	baltimore	PROPN
cblr-2966	512	16	v.	v.	PROPN
cblr-2966	512	17	wells	wells	PROPN
cblr-2966	512	18	fargo	fargo	PROPN
cblr-2966	512	19	bank	bank	PROPN
cblr-2966	512	20	,	,	PUNCT
cblr-2966	512	21	n.a	n.a	PROPN
cblr-2966	512	22	.	.	PROPN
cblr-2966	512	23	,	,	PUNCT
cblr-2966	512	24	no	no	INTJ
cblr-2966	512	25	.	.	PUNCT
cblr-2966	513	1	l08cv062	l08cv062	PROPN
cblr-2966	513	2	(	(	PUNCT
cblr-2966	513	3	d.	d.	PROPN
cblr-2966	513	4	md	md	PROPN
cblr-2966	513	5	.	.	PROPN
cblr-2966	513	6	,	,	PUNCT
cblr-2966	513	7	jan	jan	PROPN
cblr-2966	513	8	.	.	PROPN
cblr-2966	513	9	8	8	NUM
cblr-2966	513	10	,	,	PUNCT
cblr-2966	513	11	2008	2008	NUM
cblr-2966	513	12	)	)	PUNCT
cblr-2966	513	13	,	,	PUNCT
cblr-2966	513	14	available	available	ADJ
cblr-2966	513	15	at	at	ADP
cblr-2966	513	16	http://www.relmanlaw.com/city%20of%2obaltimore%20v.%2owells%20	http://www.relmanlaw.com/city%20of%2obaltimore%20v.%2owells%20	PROPN
cblr-2966	513	17	no	no	INTJ
cblr-2966	513	18	.	.	PUNCT
cblr-2966	514	1	3:1021	3:1021	NUM
cblr-2966	514	2	]	]	X
cblr-2966	514	3	columbia	columbia	PROPN
cblr-2966	514	4	business	business	PROPN
cblr-2966	514	5	la	la	PROPN
cblr-2966	514	6	w	w	PROPN
cblr-2966	514	7	review	review	PROPN
cblr-2966	514	8	banks	bank	NOUN
cblr-2966	514	9	entering	enter	VERB
cblr-2966	514	10	the	the	DET
cblr-2966	514	11	subprime	subprime	ADJ
cblr-2966	514	12	market	market	NOUN
cblr-2966	514	13	themselves	themselves	PRON
cblr-2966	514	14	may	may	AUX
cblr-2966	514	15	face	face	VERB
cblr-2966	514	16	prohibitive	prohibitive	ADJ
cblr-2966	514	17	costs	cost	NOUN
cblr-2966	514	18	.	.	PUNCT
cblr-2966	515	1	whether	whether	SCONJ
cblr-2966	515	2	it	it	PRON
cblr-2966	515	3	is	be	AUX
cblr-2966	515	4	due	due	ADJ
cblr-2966	515	5	to	to	ADP
cblr-2966	515	6	the	the	DET
cblr-2966	515	7	solvency	solvency	NOUN
cblr-2966	515	8	of	of	ADP
cblr-2966	515	9	originators	originator	NOUN
cblr-2966	515	10	or	or	CCONJ
cblr-2966	515	11	reviewing	reviewing	NOUN
cblr-2966	515	12	of	of	ADP
cblr-2966	515	13	loans	loan	NOUN
cblr-2966	515	14	,	,	PUNCT
cblr-2966	515	15	the	the	DET
cblr-2966	515	16	securities	security	NOUN
cblr-2966	515	17	market	market	NOUN
cblr-2966	515	18	will	will	AUX
cblr-2966	515	19	face	face	VERB
cblr-2966	515	20	significant	significant	ADJ
cblr-2966	515	21	costs	cost	NOUN
cblr-2966	515	22	from	from	ADP
cblr-2966	515	23	assignee	assignee	NOUN
cblr-2966	515	24	liability	liability	NOUN
cblr-2966	515	25	.	.	PUNCT
cblr-2966	516	1	depending	depend	VERB
cblr-2966	516	2	on	on	ADP
cblr-2966	516	3	how	how	SCONJ
cblr-2966	516	4	high	high	ADJ
cblr-2966	516	5	those	those	DET
cblr-2966	516	6	costs	cost	NOUN
cblr-2966	516	7	are	be	AUX
cblr-2966	516	8	,	,	PUNCT
cblr-2966	516	9	the	the	DET
cblr-2966	516	10	subprime	subprime	ADJ
cblr-2966	516	11	market	market	NOUN
cblr-2966	516	12	could	could	AUX
cblr-2966	516	13	disappear	disappear	VERB
cblr-2966	516	14	,	,	PUNCT
cblr-2966	516	15	recreating	recreate	VERB
cblr-2966	516	16	the	the	DET
cblr-2966	516	17	incomplete	incomplete	ADJ
cblr-2966	516	18	credit	credit	NOUN
cblr-2966	516	19	market	market	NOUN
cblr-2966	516	20	of	of	ADP
cblr-2966	516	21	the	the	DET
cblr-2966	516	22	early	early	ADJ
cblr-2966	516	23	1990s	1990	NOUN
cblr-2966	516	24	.	.	PUNCT
cblr-2966	517	1	10	10	NUM
cblr-2966	517	2	3	3	NUM
cblr-2966	517	3	c.	c.	PROPN
cblr-2966	517	4	litigation	litigation	NOUN
cblr-2966	517	5	barriers	barrier	NOUN
cblr-2966	517	6	:	:	PUNCT
cblr-2966	517	7	assignee	assignee	NOUN
cblr-2966	517	8	liability	liability	NOUN
cblr-2966	517	9	and	and	CCONJ
cblr-2966	517	10	obstacles	obstacle	NOUN
cblr-2966	517	11	to	to	ADP
cblr-2966	517	12	enforcement	enforcement	NOUN
cblr-2966	517	13	due	due	ADP
cblr-2966	517	14	to	to	ADP
cblr-2966	517	15	the	the	DET
cblr-2966	517	16	difficulty	difficulty	NOUN
cblr-2966	517	17	of	of	ADP
cblr-2966	517	18	litigating	litigate	VERB
cblr-2966	517	19	an	an	DET
cblr-2966	517	20	assignee	assignee	NOUN
cblr-2966	517	21	liability	liability	NOUN
cblr-2966	517	22	claim	claim	NOUN
cblr-2966	517	23	,	,	PUNCT
cblr-2966	517	24	there	there	PRON
cblr-2966	517	25	is	be	VERB
cblr-2966	517	26	likely	likely	ADJ
cblr-2966	517	27	to	to	PART
cblr-2966	517	28	be	be	AUX
cblr-2966	517	29	systematic	systematic	ADJ
cblr-2966	517	30	under	under	NOUN
cblr-2966	517	31	-	-	PUNCT
cblr-2966	517	32	enforcement	enforcement	NOUN
cblr-2966	517	33	.	.	PUNCT
cblr-2966	518	1	this	this	PRON
cblr-2966	518	2	not	not	PART
cblr-2966	518	3	only	only	ADV
cblr-2966	518	4	means	mean	VERB
cblr-2966	518	5	the	the	DET
cblr-2966	518	6	law	law	NOUN
cblr-2966	518	7	will	will	AUX
cblr-2966	518	8	entail	entail	VERB
cblr-2966	518	9	costs	cost	NOUN
cblr-2966	518	10	,	,	PUNCT
cblr-2966	518	11	but	but	CCONJ
cblr-2966	518	12	that	that	SCONJ
cblr-2966	518	13	it	it	PRON
cblr-2966	518	14	will	will	AUX
cblr-2966	518	15	also	also	ADV
cblr-2966	518	16	likely	likely	ADV
cblr-2966	518	17	do	do	VERB
cblr-2966	518	18	so	so	ADV
cblr-2966	518	19	without	without	ADP
cblr-2966	518	20	completely	completely	ADV
cblr-2966	518	21	stopping	stop	VERB
cblr-2966	518	22	predatory	predatory	ADJ
cblr-2966	518	23	lending	lending	NOUN
cblr-2966	518	24	activity	activity	NOUN
cblr-2966	518	25	.	.	PUNCT
cblr-2966	519	1	104	104	NUM
cblr-2966	520	1	the	the	DET
cblr-2966	520	2	litigation	litigation	NOUN
cblr-2966	520	3	barriers	barrier	NOUN
cblr-2966	520	4	are	be	AUX
cblr-2966	520	5	of	of	ADP
cblr-2966	520	6	two	two	NUM
cblr-2966	520	7	types	type	NOUN
cblr-2966	520	8	.	.	PUNCT
cblr-2966	521	1	first	first	ADV
cblr-2966	521	2	,	,	PUNCT
cblr-2966	521	3	there	there	PRON
cblr-2966	521	4	is	be	VERB
cblr-2966	521	5	the	the	DET
cblr-2966	521	6	difficulty	difficulty	NOUN
cblr-2966	521	7	of	of	ADP
cblr-2966	521	8	finding	find	VERB
cblr-2966	521	9	and	and	CCONJ
cblr-2966	521	10	retaining	retain	VERB
cblr-2966	521	11	a	a	DET
cblr-2966	521	12	lawyer	lawyer	NOUN
cblr-2966	521	13	.	.	PUNCT
cblr-2966	522	1	many	many	ADJ
cblr-2966	522	2	people	people	NOUN
cblr-2966	522	3	do	do	AUX
cblr-2966	522	4	not	not	PART
cblr-2966	522	5	seek	seek	VERB
cblr-2966	522	6	attorneys	attorney	NOUN
cblr-2966	522	7	until	until	SCONJ
cblr-2966	522	8	they	they	PRON
cblr-2966	522	9	are	be	AUX
cblr-2966	522	10	on	on	ADP
cblr-2966	522	11	the	the	DET
cblr-2966	522	12	verge	verge	NOUN
cblr-2966	522	13	of	of	ADP
cblr-2966	522	14	foreclosure	foreclosure	NOUN
cblr-2966	522	15	.	.	PUNCT
cblr-2966	523	1	at	at	ADP
cblr-2966	523	2	that	that	DET
cblr-2966	523	3	point	point	NOUN
cblr-2966	523	4	,	,	PUNCT
cblr-2966	523	5	they	they	PRON
cblr-2966	523	6	have	have	VERB
cblr-2966	523	7	little	little	ADJ
cblr-2966	523	8	or	or	CCONJ
cblr-2966	523	9	no	no	PRON
cblr-2966	523	10	money	money	NOUN
cblr-2966	523	11	and	and	CCONJ
cblr-2966	523	12	are	be	AUX
cblr-2966	523	13	unlikely	unlikely	ADJ
cblr-2966	523	14	fargo%20-%2008	fargo%20-%2008	NOUN
cblr-2966	523	15	-	-	PUNCT
cblr-2966	523	16	cv-62%20-%2ocomplaint.pdf	cv-62%20-%2ocomplaint.pdf	PROPN
cblr-2966	523	17	;	;	PUNCT
cblr-2966	523	18	ben	ben	PROPN
cblr-2966	523	19	nuckols	nuckols	PROPN
cblr-2966	523	20	,	,	PUNCT
cblr-2966	523	21	baltimore	baltimore	PROPN
cblr-2966	523	22	sues	sue	VERB
cblr-2966	523	23	wells	wells	PROPN
cblr-2966	523	24	fargo	fargo	PROPN
cblr-2966	523	25	for	for	ADP
cblr-2966	523	26	subprimes	subprime	NOUN
cblr-2966	523	27	,	,	PUNCT
cblr-2966	523	28	abc	abc	PROPN
cblr-2966	523	29	news	news	PROPN
cblr-2966	523	30	online	online	NOUN
cblr-2966	523	31	,	,	PUNCT
cblr-2966	523	32	jan	jan	PROPN
cblr-2966	523	33	.	.	PROPN
cblr-2966	523	34	8	8	NUM
cblr-2966	523	35	,	,	PUNCT
cblr-2966	523	36	2008	2008	NUM
cblr-2966	523	37	,	,	PUNCT
cblr-2966	523	38	http://abcnews.go.com/business/wirestory?id=4105228	http://abcnews.go.com/business/wirestory?id=4105228	PROPN
cblr-2966	523	39	.	.	PROPN
cblr-2966	524	1	10	10	NUM
cblr-2966	524	2	see	see	VERB
cblr-2966	524	3	chinloy	chinloy	PROPN
cblr-2966	524	4	&	&	CCONJ
cblr-2966	524	5	macdonald	macdonald	PROPN
cblr-2966	524	6	,	,	PUNCT
cblr-2966	524	7	supra	supra	PROPN
cblr-2966	524	8	note	note	NOUN
cblr-2966	524	9	12	12	NUM
cblr-2966	524	10	,	,	PUNCT
cblr-2966	524	11	at	at	ADP
cblr-2966	524	12	11	11	NUM
cblr-2966	524	13	.	.	PUNCT
cblr-2966	525	1	but	but	CCONJ
cblr-2966	525	2	see	see	VERB
cblr-2966	525	3	engel	engel	PROPN
cblr-2966	525	4	&	&	CCONJ
cblr-2966	525	5	mccoy	mccoy	PROPN
cblr-2966	525	6	,	,	PUNCT
cblr-2966	525	7	supra	supra	PROPN
cblr-2966	525	8	note	note	PROPN
cblr-2966	525	9	25	25	NUM
cblr-2966	525	10	,	,	PUNCT
cblr-2966	525	11	at	at	ADP
cblr-2966	525	12	2100	2100	NUM
cblr-2966	525	13	-	-	SYM
cblr-2966	525	14	01	01	NUM
cblr-2966	525	15	.	.	PUNCT
cblr-2966	526	1	104	104	NUM
cblr-2966	527	1	it	it	PRON
cblr-2966	527	2	would	would	AUX
cblr-2966	527	3	not	not	PART
cblr-2966	527	4	be	be	AUX
cblr-2966	527	5	possible	possible	ADJ
cblr-2966	527	6	for	for	SCONJ
cblr-2966	527	7	companies	company	NOUN
cblr-2966	527	8	to	to	PART
cblr-2966	527	9	adapt	adapt	VERB
cblr-2966	527	10	diligence	diligence	NOUN
cblr-2966	527	11	standards	standard	NOUN
cblr-2966	527	12	to	to	PART
cblr-2966	527	13	exactly	exactly	ADV
cblr-2966	527	14	match	match	VERB
cblr-2966	527	15	the	the	DET
cblr-2966	527	16	potential	potential	ADJ
cblr-2966	527	17	enforcement	enforcement	NOUN
cblr-2966	527	18	costs	cost	NOUN
cblr-2966	527	19	.	.	PUNCT
cblr-2966	528	1	most	most	ADJ
cblr-2966	528	2	assignee	assignee	NOUN
cblr-2966	528	3	laws	law	NOUN
cblr-2966	528	4	apply	apply	VERB
cblr-2966	528	5	draconian	draconian	ADJ
cblr-2966	528	6	liability	liability	NOUN
cblr-2966	528	7	unless	unless	SCONJ
cblr-2966	528	8	a	a	DET
cblr-2966	528	9	sufficient	sufficient	ADJ
cblr-2966	528	10	,	,	PUNCT
cblr-2966	528	11	set	set	ADJ
cblr-2966	528	12	level	level	NOUN
cblr-2966	528	13	of	of	ADP
cblr-2966	528	14	due	due	ADJ
cblr-2966	528	15	diligence	diligence	NOUN
cblr-2966	528	16	is	be	AUX
cblr-2966	528	17	taken	take	VERB
cblr-2966	528	18	in	in	ADP
cblr-2966	528	19	regards	regard	NOUN
cblr-2966	528	20	to	to	ADP
cblr-2966	528	21	all	all	DET
cblr-2966	528	22	the	the	DET
cblr-2966	528	23	loans	loan	NOUN
cblr-2966	528	24	made	make	VERB
cblr-2966	528	25	by	by	ADP
cblr-2966	528	26	an	an	DET
cblr-2966	528	27	originator	originator	NOUN
cblr-2966	528	28	.	.	PUNCT
cblr-2966	529	1	see	see	VERB
cblr-2966	529	2	,	,	PUNCT
cblr-2966	529	3	e.g.	e.g.	ADV
cblr-2966	529	4	,	,	PUNCT
cblr-2966	529	5	engel	engel	PROPN
cblr-2966	529	6	&	&	CCONJ
cblr-2966	529	7	mccoy	mccoy	PROPN
cblr-2966	529	8	,	,	PUNCT
cblr-2966	529	9	supra	supra	PROPN
cblr-2966	529	10	note	note	PROPN
cblr-2966	529	11	25	25	NUM
cblr-2966	529	12	.	.	PUNCT
cblr-2966	530	1	a	a	DET
cblr-2966	530	2	company	company	NOUN
cblr-2966	530	3	is	be	AUX
cblr-2966	530	4	subject	subject	ADJ
cblr-2966	530	5	to	to	ADP
cblr-2966	530	6	serious	serious	ADJ
cblr-2966	530	7	penalties	penalty	NOUN
cblr-2966	530	8	in	in	ADP
cblr-2966	530	9	all	all	DET
cblr-2966	530	10	cases	case	NOUN
cblr-2966	530	11	based	base	VERB
cblr-2966	530	12	on	on	ADP
cblr-2966	530	13	its	its	PRON
cblr-2966	530	14	generic	generic	ADJ
cblr-2966	530	15	diligence	diligence	NOUN
cblr-2966	530	16	practice	practice	NOUN
cblr-2966	530	17	.	.	PUNCT
cblr-2966	531	1	there	there	PRON
cblr-2966	531	2	could	could	AUX
cblr-2966	531	3	be	be	AUX
cblr-2966	531	4	no	no	DET
cblr-2966	531	5	"	"	PUNCT
cblr-2966	531	6	reducing	reduce	VERB
cblr-2966	531	7	of	of	ADP
cblr-2966	531	8	costs	cost	NOUN
cblr-2966	531	9	"	"	PUNCT
cblr-2966	531	10	in	in	ADP
cblr-2966	531	11	this	this	DET
cblr-2966	531	12	regime	regime	NOUN
cblr-2966	531	13	.	.	PUNCT
cblr-2966	532	1	section	section	NOUN
cblr-2966	532	2	204	204	NUM
cblr-2966	532	3	of	of	ADP
cblr-2966	532	4	the	the	DET
cblr-2966	532	5	recently	recently	ADV
cblr-2966	532	6	introduced	introduce	VERB
cblr-2966	532	7	mortgage	mortgage	NOUN
cblr-2966	532	8	reform	reform	NOUN
cblr-2966	532	9	and	and	CCONJ
cblr-2966	532	10	anti	anti	ADJ
cblr-2966	532	11	-	-	ADJ
cblr-2966	532	12	predatory	predatory	ADJ
cblr-2966	532	13	lending	lending	NOUN
cblr-2966	532	14	act	act	NOUN
cblr-2966	532	15	requires	require	VERB
cblr-2966	532	16	a	a	DET
cblr-2966	532	17	company	company	NOUN
cblr-2966	532	18	to	to	PART
cblr-2966	532	19	use	use	VERB
cblr-2966	532	20	a	a	DET
cblr-2966	532	21	specific	specific	ADJ
cblr-2966	532	22	sampling	sample	VERB
cblr-2966	532	23	procedure	procedure	NOUN
cblr-2966	532	24	with	with	ADP
cblr-2966	532	25	all	all	PRON
cblr-2966	532	26	of	of	ADP
cblr-2966	532	27	its	its	PRON
cblr-2966	532	28	loans	loan	NOUN
cblr-2966	532	29	in	in	ADP
cblr-2966	532	30	order	order	NOUN
cblr-2966	532	31	to	to	PART
cblr-2966	532	32	avoid	avoid	VERB
cblr-2966	532	33	assignee	assignee	NOUN
cblr-2966	532	34	liability	liability	NOUN
cblr-2966	532	35	on	on	ADP
cblr-2966	532	36	any	any	DET
cblr-2966	532	37	individual	individual	ADJ
cblr-2966	532	38	loan	loan	NOUN
cblr-2966	532	39	.	.	PUNCT
cblr-2966	533	1	mortgage	mortgage	NOUN
cblr-2966	533	2	reform	reform	NOUN
cblr-2966	533	3	and	and	CCONJ
cblr-2966	533	4	anti	anti	ADJ
cblr-2966	533	5	-	-	ADJ
cblr-2966	533	6	predatory	predatory	ADJ
cblr-2966	533	7	lending	lending	NOUN
cblr-2966	533	8	act	act	NOUN
cblr-2966	533	9	of	of	ADP
cblr-2966	533	10	2007	2007	NUM
cblr-2966	533	11	,	,	PUNCT
cblr-2966	533	12	h.r	h.r	PROPN
cblr-2966	533	13	.	.	PROPN
cblr-2966	533	14	3915	3915	NUM
cblr-2966	533	15	,	,	PUNCT
cblr-2966	533	16	110th	110th	ADJ
cblr-2966	533	17	cong	cong	NOUN
cblr-2966	533	18	.	.	PUNCT
cblr-2966	534	1	§	§	PROPN
cblr-2966	534	2	204	204	NUM
cblr-2966	534	3	(	(	PUNCT
cblr-2966	534	4	2007	2007	NUM
cblr-2966	534	5	)	)	PUNCT
cblr-2966	534	6	,	,	PUNCT
cblr-2966	534	7	available	available	ADJ
cblr-2966	534	8	at	at	ADP
cblr-2966	534	9	http://www.house.gov/apps/list/press/financialsvcs-dem/subprimeleg.pdf	http://www.house.gov/apps/list/press/financialsvcs-dem/subprimeleg.pdf	PROPN
cblr-2966	534	10	.	.	PUNCT
cblr-2966	535	1	under	under	ADP
cblr-2966	535	2	this	this	DET
cblr-2966	535	3	system	system	NOUN
cblr-2966	535	4	,	,	PUNCT
cblr-2966	535	5	assignee	assignee	NOUN
cblr-2966	535	6	is	be	AUX
cblr-2966	535	7	an	an	DET
cblr-2966	535	8	on	on	ADP
cblr-2966	535	9	-	-	PUNCT
cblr-2966	535	10	off	off	ADP
cblr-2966	535	11	switch	switch	NOUN
cblr-2966	535	12	for	for	ADP
cblr-2966	535	13	all	all	DET
cblr-2966	535	14	loans	loan	NOUN
cblr-2966	535	15	made	make	VERB
cblr-2966	535	16	by	by	ADP
cblr-2966	535	17	an	an	DET
cblr-2966	535	18	originator	originator	NOUN
cblr-2966	535	19	based	base	VERB
cblr-2966	535	20	on	on	ADP
cblr-2966	535	21	the	the	DET
cblr-2966	535	22	originator	originator	NOUN
cblr-2966	535	23	's	's	PART
cblr-2966	535	24	generic	generic	ADJ
cblr-2966	535	25	diligence	diligence	NOUN
cblr-2966	535	26	practice	practice	NOUN
cblr-2966	535	27	.	.	PUNCT
cblr-2966	536	1	so	so	ADV
cblr-2966	536	2	long	long	ADV
cblr-2966	536	3	as	as	SCONJ
cblr-2966	536	4	the	the	DET
cblr-2966	536	5	under	under	NOUN
cblr-2966	536	6	-	-	PUNCT
cblr-2966	536	7	enforcement	enforcement	NOUN
cblr-2966	536	8	does	do	AUX
cblr-2966	536	9	not	not	PART
cblr-2966	536	10	make	make	VERB
cblr-2966	536	11	the	the	DET
cblr-2966	536	12	law	law	NOUN
cblr-2966	536	13	meaningless	meaningless	ADJ
cblr-2966	536	14	,	,	PUNCT
cblr-2966	536	15	the	the	DET
cblr-2966	536	16	costs	cost	NOUN
cblr-2966	536	17	are	be	AUX
cblr-2966	536	18	likely	likely	ADJ
cblr-2966	536	19	to	to	PART
cblr-2966	536	20	exceed	exceed	VERB
cblr-2966	536	21	the	the	DET
cblr-2966	536	22	enforcement	enforcement	NOUN
cblr-2966	536	23	gains	gain	NOUN
cblr-2966	536	24	.	.	PUNCT
cblr-2966	537	1	[	[	X
cblr-2966	537	2	vol	vol	NOUN
cblr-2966	537	3	.	.	PUNCT
cblr-2966	537	4	2008	2008	NUM
cblr-2966	538	1	rethinking	rethink	VERB
cblr-2966	538	2	assignee	assignee	NOUN
cblr-2966	538	3	liability	liability	NOUN
cblr-2966	538	4	to	to	PART
cblr-2966	538	5	continue	continue	VERB
cblr-2966	538	6	pursuing	pursue	VERB
cblr-2966	538	7	the	the	DET
cblr-2966	538	8	claim	claim	NOUN
cblr-2966	538	9	after	after	SCONJ
cblr-2966	538	10	the	the	DET
cblr-2966	538	11	foreclosure	foreclosure	NOUN
cblr-2966	538	12	ends	end	VERB
cblr-2966	538	13	.	.	PUNCT
cblr-2966	539	1	1	1	NUM
cblr-2966	539	2	°	°	NUM
cblr-2966	539	3	the	the	DET
cblr-2966	539	4	only	only	ADJ
cblr-2966	539	5	recompense	recompense	NOUN
cblr-2966	539	6	that	that	SCONJ
cblr-2966	539	7	attorneys	attorney	NOUN
cblr-2966	539	8	can	can	AUX
cblr-2966	539	9	hope	hope	VERB
cblr-2966	539	10	for	for	ADP
cblr-2966	539	11	are	be	AUX
cblr-2966	539	12	their	their	PRON
cblr-2966	539	13	fees	fee	NOUN
cblr-2966	539	14	,	,	PUNCT
cblr-2966	539	15	under	under	ADP
cblr-2966	539	16	a	a	DET
cblr-2966	539	17	statute	statute	NOUN
cblr-2966	539	18	that	that	PRON
cblr-2966	539	19	requires	require	VERB
cblr-2966	539	20	the	the	DET
cblr-2966	539	21	paying	paying	NOUN
cblr-2966	539	22	of	of	ADP
cblr-2966	539	23	those	those	DET
cblr-2966	539	24	fees	fee	NOUN
cblr-2966	539	25	,	,	PUNCT
cblr-2966	539	26	and	and	CCONJ
cblr-2966	539	27	even	even	ADV
cblr-2966	539	28	those	those	PRON
cblr-2966	539	29	are	be	AUX
cblr-2966	539	30	contingent	contingent	ADJ
cblr-2966	539	31	upon	upon	SCONJ
cblr-2966	539	32	winning	win	VERB
cblr-2966	539	33	.	.	PUNCT
cblr-2966	540	1	they	they	PRON
cblr-2966	540	2	are	be	AUX
cblr-2966	540	3	not	not	PART
cblr-2966	540	4	likely	likely	ADJ
cblr-2966	540	5	to	to	PART
cblr-2966	540	6	be	be	AUX
cblr-2966	540	7	able	able	ADJ
cblr-2966	540	8	to	to	PART
cblr-2966	540	9	compensate	compensate	VERB
cblr-2966	540	10	for	for	ADP
cblr-2966	540	11	the	the	DET
cblr-2966	540	12	chance	chance	NOUN
cblr-2966	540	13	of	of	ADP
cblr-2966	540	14	losing	lose	VERB
cblr-2966	540	15	the	the	DET
cblr-2966	540	16	claim	claim	NOUN
cblr-2966	540	17	against	against	ADP
cblr-2966	540	18	the	the	DET
cblr-2966	540	19	lender	lender	NOUN
cblr-2966	540	20	.	.	PUNCT
cblr-2966	541	1	moreover	moreover	ADV
cblr-2966	541	2	,	,	PUNCT
cblr-2966	541	3	it	it	PRON
cblr-2966	541	4	is	be	AUX
cblr-2966	541	5	almost	almost	ADV
cblr-2966	541	6	impossible	impossible	ADJ
cblr-2966	541	7	to	to	PART
cblr-2966	541	8	certify	certify	VERB
cblr-2966	541	9	a	a	DET
cblr-2966	541	10	class	class	NOUN
cblr-2966	541	11	to	to	PART
cblr-2966	541	12	make	make	VERB
cblr-2966	541	13	these	these	DET
cblr-2966	541	14	cases	case	NOUN
cblr-2966	541	15	worthwhile	worthwhile	ADJ
cblr-2966	541	16	.	.	PUNCT
cblr-2966	542	1	not	not	PART
cblr-2966	542	2	only	only	ADV
cblr-2966	542	3	are	be	AUX
cblr-2966	542	4	the	the	DET
cblr-2966	542	5	cases	case	NOUN
cblr-2966	542	6	time	time	NOUN
cblr-2966	542	7	-	-	PUNCT
cblr-2966	542	8	sensitive	sensitive	ADJ
cblr-2966	542	9	and	and	CCONJ
cblr-2966	542	10	,	,	PUNCT
cblr-2966	542	11	thus	thus	ADV
cblr-2966	542	12	,	,	PUNCT
cblr-2966	542	13	plaintiffs	plaintiff	NOUN
cblr-2966	542	14	are	be	AUX
cblr-2966	542	15	unlikely	unlikely	ADJ
cblr-2966	542	16	to	to	PART
cblr-2966	542	17	want	want	VERB
cblr-2966	542	18	to	to	PART
cblr-2966	542	19	continue	continue	VERB
cblr-2966	542	20	long	long	ADV
cblr-2966	542	21	enough	enough	ADV
cblr-2966	542	22	to	to	PART
cblr-2966	542	23	sustain	sustain	VERB
cblr-2966	542	24	one	one	NUM
cblr-2966	542	25	,	,	PUNCT
cblr-2966	542	26	but	but	CCONJ
cblr-2966	542	27	also	also	ADV
cblr-2966	542	28	,	,	PUNCT
cblr-2966	542	29	since	since	SCONJ
cblr-2966	542	30	the	the	DET
cblr-2966	542	31	claim	claim	NOUN
cblr-2966	542	32	is	be	AUX
cblr-2966	542	33	essentially	essentially	ADV
cblr-2966	542	34	fraud	fraud	NOUN
cblr-2966	542	35	,	,	PUNCT
cblr-2966	542	36	it	it	PRON
cblr-2966	542	37	is	be	AUX
cblr-2966	542	38	very	very	ADV
cblr-2966	542	39	difficult	difficult	ADJ
cblr-2966	542	40	to	to	PART
cblr-2966	542	41	demonstrate	demonstrate	VERB
cblr-2966	542	42	the	the	DET
cblr-2966	542	43	necessary	necessary	ADJ
cblr-2966	542	44	shared	shared	ADJ
cblr-2966	542	45	reliance	reliance	NOUN
cblr-2966	542	46	element.0	element.0	PROPN
cblr-2966	542	47	°	°	ADP
cblr-2966	543	1	the	the	DET
cblr-2966	543	2	second	second	ADJ
cblr-2966	543	3	litigation	litigation	NOUN
cblr-2966	543	4	barrier	barrier	NOUN
cblr-2966	543	5	involves	involve	VERB
cblr-2966	543	6	transaction	transaction	NOUN
cblr-2966	543	7	costs	cost	NOUN
cblr-2966	543	8	for	for	ADP
cblr-2966	543	9	the	the	DET
cblr-2966	543	10	actual	actual	ADJ
cblr-2966	543	11	litigation	litigation	NOUN
cblr-2966	543	12	.	.	PUNCT
cblr-2966	544	1	the	the	DET
cblr-2966	544	2	mortgage	mortgage	NOUN
cblr-2966	544	3	electronic	electronic	ADJ
cblr-2966	544	4	registration	registration	NOUN
cblr-2966	544	5	system	system	NOUN
cblr-2966	544	6	(	(	PUNCT
cblr-2966	544	7	mers	mer	NOUN
cblr-2966	544	8	)	)	PUNCT
cblr-2966	544	9	has	have	AUX
cblr-2966	544	10	replaced	replace	VERB
cblr-2966	544	11	the	the	DET
cblr-2966	544	12	prior	prior	ADJ
cblr-2966	544	13	practice	practice	NOUN
cblr-2966	544	14	of	of	ADP
cblr-2966	544	15	reregistering	reregistere	VERB
cblr-2966	544	16	mortgages	mortgage	NOUN
cblr-2966	544	17	with	with	ADP
cblr-2966	544	18	the	the	DET
cblr-2966	544	19	county	county	NOUN
cblr-2966	544	20	records	record	NOUN
cblr-2966	544	21	office	office	NOUN
cblr-2966	544	22	each	each	DET
cblr-2966	544	23	time	time	NOUN
cblr-2966	544	24	a	a	DET
cblr-2966	544	25	lender	lender	NOUN
cblr-2966	544	26	assigns	assign	VERB
cblr-2966	544	27	it	it	PRON
cblr-2966	544	28	.	.	PUNCT
cblr-2966	545	1	when	when	SCONJ
cblr-2966	545	2	a	a	DET
cblr-2966	545	3	trust	trust	NOUN
cblr-2966	545	4	takes	take	VERB
cblr-2966	545	5	control	control	NOUN
cblr-2966	545	6	of	of	ADP
cblr-2966	545	7	a	a	DET
cblr-2966	545	8	securitized	securitized	ADJ
cblr-2966	545	9	pool	pool	NOUN
cblr-2966	545	10	,	,	PUNCT
cblr-2966	545	11	it	it	PRON
cblr-2966	545	12	typically	typically	ADV
cblr-2966	545	13	registers	register	VERB
cblr-2966	545	14	with	with	ADP
cblr-2966	545	15	mers	mer	NOUN
cblr-2966	545	16	and	and	CCONJ
cblr-2966	545	17	therefore	therefore	ADV
cblr-2966	545	18	mers	mer	NOUN
cblr-2966	545	19	is	be	AUX
cblr-2966	545	20	the	the	DET
cblr-2966	545	21	only	only	ADJ
cblr-2966	545	22	name	name	NOUN
cblr-2966	545	23	that	that	PRON
cblr-2966	545	24	appears	appear	VERB
cblr-2966	545	25	in	in	ADP
cblr-2966	545	26	the	the	DET
cblr-2966	545	27	county	county	NOUN
cblr-2966	545	28	register	register	NOUN
cblr-2966	545	29	.	.	PUNCT
cblr-2966	546	1	when	when	SCONJ
cblr-2966	546	2	foreclosures	foreclosure	NOUN
cblr-2966	546	3	occur	occur	VERB
cblr-2966	546	4	,	,	PUNCT
cblr-2966	546	5	mers	mers	PROPN
cblr-2966	546	6	brings	bring	VERB
cblr-2966	546	7	the	the	DET
cblr-2966	546	8	foreclosure	foreclosure	NOUN
cblr-2966	546	9	in	in	ADP
cblr-2966	546	10	its	its	PRON
cblr-2966	546	11	name.0	name.0	PROPN
cblr-2966	546	12	7	7	NUM
cblr-2966	546	13	thus	thus	ADV
cblr-2966	546	14	,	,	PUNCT
cblr-2966	546	15	even	even	ADV
cblr-2966	546	16	determining	determine	VERB
cblr-2966	546	17	who	who	PRON
cblr-2966	546	18	to	to	PART
cblr-2966	546	19	sue	sue	VERB
cblr-2966	546	20	is	be	AUX
cblr-2966	546	21	not	not	PART
cblr-2966	546	22	easy	easy	ADJ
cblr-2966	546	23	,	,	PUNCT
cblr-2966	546	24	raising	raise	VERB
cblr-2966	546	25	transaction	transaction	NOUN
cblr-2966	546	26	costs	cost	NOUN
cblr-2966	546	27	for	for	ADP
cblr-2966	546	28	precisely	precisely	ADV
cblr-2966	546	29	the	the	DET
cblr-2966	546	30	type	type	NOUN
cblr-2966	546	31	of	of	ADP
cblr-2966	546	32	clients	client	NOUN
cblr-2966	546	33	and	and	CCONJ
cblr-2966	546	34	attorneys	attorney	NOUN
cblr-2966	546	35	already	already	ADV
cblr-2966	546	36	particularly	particularly	ADV
cblr-2966	546	37	sensitive	sensitive	ADJ
cblr-2966	546	38	to	to	ADP
cblr-2966	546	39	them	they	PRON
cblr-2966	546	40	.	.	PUNCT
cblr-2966	547	1	moreover	moreover	ADV
cblr-2966	547	2	,	,	PUNCT
cblr-2966	547	3	the	the	DET
cblr-2966	547	4	under	under	NOUN
cblr-2966	547	5	-	-	PUNCT
cblr-2966	547	6	enforcement	enforcement	NOUN
cblr-2966	547	7	problems	problem	NOUN
cblr-2966	547	8	can	can	AUX
cblr-2966	547	9	not	not	PART
cblr-2966	547	10	be	be	AUX
cblr-2966	547	11	solved	solve	VERB
cblr-2966	547	12	by	by	ADP
cblr-2966	547	13	punitive	punitive	ADJ
cblr-2966	547	14	damages	damage	NOUN
cblr-2966	547	15	or	or	CCONJ
cblr-2966	547	16	grossly	grossly	ADV
cblr-2966	547	17	exaggerated	exaggerated	ADJ
cblr-2966	547	18	penalties	penalty	NOUN
cblr-2966	547	19	toward	toward	ADP
cblr-2966	547	20	the	the	DET
cblr-2966	547	21	assignees	assignee	NOUN
cblr-2966	547	22	.	.	PUNCT
cblr-2966	547	23	'	'	PUNCT
cblr-2966	548	1	8	8	NUM
cblr-2966	548	2	105	105	NUM
cblr-2966	548	3	peterson	peterson	NOUN
cblr-2966	548	4	,	,	PUNCT
cblr-2966	548	5	supra	supra	PROPN
cblr-2966	548	6	note	note	PROPN
cblr-2966	548	7	34	34	NUM
cblr-2966	548	8	,	,	PUNCT
cblr-2966	548	9	at	at	ADP
cblr-2966	548	10	2267	2267	NUM
cblr-2966	548	11	-	-	SYM
cblr-2966	548	12	68	68	NUM
cblr-2966	548	13	.	.	PUNCT
cblr-2966	549	1	'	'	PUNCT
cblr-2966	550	1	o	o	INTJ
cblr-2966	550	2	see	see	VERB
cblr-2966	550	3	i	i	PRON
cblr-2966	550	4	d.	d.	PROPN
cblr-2966	550	5	at	at	ADP
cblr-2966	550	6	2268	2268	NUM
cblr-2966	550	7	.	.	PUNCT
cblr-2966	551	1	107	107	NUM
cblr-2966	551	2	see	see	VERB
cblr-2966	551	3	i	i	PRON
cblr-2966	551	4	d.	d.	PROPN
cblr-2966	551	5	at	at	ADP
cblr-2966	551	6	2266	2266	NUM
cblr-2966	551	7	.	.	PUNCT
cblr-2966	552	1	108	108	NUM
cblr-2966	552	2	there	there	PRON
cblr-2966	552	3	are	be	VERB
cblr-2966	552	4	two	two	NUM
cblr-2966	552	5	reasons	reason	NOUN
cblr-2966	552	6	for	for	ADP
cblr-2966	552	7	this	this	PRON
cblr-2966	552	8	.	.	PUNCT
cblr-2966	553	1	first	first	ADV
cblr-2966	553	2	,	,	PUNCT
cblr-2966	553	3	the	the	DET
cblr-2966	553	4	industry	industry	NOUN
cblr-2966	553	5	currently	currently	ADV
cblr-2966	553	6	is	be	AUX
cblr-2966	553	7	very	very	ADV
cblr-2966	553	8	hesitant	hesitant	ADJ
cblr-2966	553	9	to	to	PART
cblr-2966	553	10	rate	rate	VERB
cblr-2966	553	11	punitive	punitive	ADJ
cblr-2966	553	12	damages	damage	NOUN
cblr-2966	553	13	,	,	PUNCT
cblr-2966	553	14	and	and	CCONJ
cblr-2966	553	15	even	even	ADV
cblr-2966	553	16	though	though	SCONJ
cblr-2966	553	17	it	it	PRON
cblr-2966	553	18	likely	likely	ADV
cblr-2966	553	19	could	could	AUX
cblr-2966	553	20	,	,	PUNCT
cblr-2966	553	21	it	it	PRON
cblr-2966	553	22	would	would	AUX
cblr-2966	553	23	be	be	AUX
cblr-2966	553	24	a	a	DET
cblr-2966	553	25	cautious	cautious	ADJ
cblr-2966	553	26	estimate	estimate	NOUN
cblr-2966	553	27	-	-	PUNCT
cblr-2966	553	28	over	over	ADP
cblr-2966	553	29	-	-	PUNCT
cblr-2966	553	30	estimating	estimate	VERB
cblr-2966	553	31	the	the	DET
cblr-2966	553	32	true	true	ADJ
cblr-2966	553	33	probability	probability	NOUN
cblr-2966	553	34	and	and	CCONJ
cblr-2966	553	35	leading	lead	VERB
cblr-2966	553	36	to	to	ADP
cblr-2966	553	37	deadweight	deadweight	NOUN
cblr-2966	553	38	loss	loss	NOUN
cblr-2966	553	39	.	.	PUNCT
cblr-2966	554	1	see	see	VERB
cblr-2966	554	2	generally	generally	ADV
cblr-2966	554	3	weiner	weiner	NOUN
cblr-2966	554	4	,	,	PUNCT
cblr-2966	554	5	supra	supra	PROPN
cblr-2966	554	6	note	note	NOUN
cblr-2966	554	7	14	14	NUM
cblr-2966	554	8	.	.	PUNCT
cblr-2966	555	1	second	second	ADJ
cblr-2966	555	2	,	,	PUNCT
cblr-2966	555	3	as	as	SCONJ
cblr-2966	555	4	pointed	point	VERB
cblr-2966	555	5	out	out	ADP
cblr-2966	555	6	previously	previously	ADV
cblr-2966	555	7	,	,	PUNCT
cblr-2966	555	8	the	the	DET
cblr-2966	555	9	current	current	ADJ
cblr-2966	555	10	regimes	regime	NOUN
cblr-2966	555	11	,	,	PUNCT
cblr-2966	555	12	with	with	ADP
cblr-2966	555	13	the	the	DET
cblr-2966	555	14	"	"	PUNCT
cblr-2966	555	15	due	due	ADJ
cblr-2966	555	16	diligence	diligence	NOUN
cblr-2966	555	17	safe	safe	ADJ
cblr-2966	555	18	harbors	harbor	NOUN
cblr-2966	555	19	,	,	PUNCT
cblr-2966	555	20	"	"	PUNCT
cblr-2966	555	21	make	make	VERB
cblr-2966	555	22	any	any	DET
cblr-2966	555	23	focus	focus	NOUN
cblr-2966	555	24	on	on	ADP
cblr-2966	555	25	costs	cost	NOUN
cblr-2966	555	26	irrelevant	irrelevant	ADJ
cblr-2966	555	27	to	to	ADP
cblr-2966	555	28	the	the	DET
cblr-2966	555	29	due	due	ADJ
cblr-2966	555	30	diligence	diligence	NOUN
cblr-2966	555	31	performed	perform	VERB
cblr-2966	555	32	by	by	ADP
cblr-2966	555	33	the	the	DET
cblr-2966	555	34	lenders	lender	NOUN
cblr-2966	555	35	.	.	PUNCT
cblr-2966	556	1	mortgage	mortgage	NOUN
cblr-2966	556	2	reform	reform	NOUN
cblr-2966	556	3	and	and	CCONJ
cblr-2966	556	4	anti	anti	ADJ
cblr-2966	556	5	-	-	ADJ
cblr-2966	556	6	predatory	predatory	ADJ
cblr-2966	556	7	lending	lending	NOUN
cblr-2966	556	8	act	act	NOUN
cblr-2966	556	9	of	of	ADP
cblr-2966	556	10	2007	2007	NUM
cblr-2966	556	11	,	,	PUNCT
cblr-2966	556	12	h.r	h.r	PROPN
cblr-2966	556	13	.	.	PROPN
cblr-2966	556	14	3915	3915	NUM
cblr-2966	556	15	,	,	PUNCT
cblr-2966	556	16	110th	110th	ADJ
cblr-2966	556	17	cong	cong	NOUN
cblr-2966	556	18	.	.	PUNCT
cblr-2966	557	1	§	§	PROPN
cblr-2966	557	2	204	204	NUM
cblr-2966	557	3	(	(	PUNCT
cblr-2966	557	4	2007	2007	NUM
cblr-2966	557	5	)	)	PUNCT
cblr-2966	557	6	,	,	PUNCT
cblr-2966	557	7	available	available	ADJ
cblr-2966	557	8	at	at	ADP
cblr-2966	557	9	http://www	http://www	PROPN
cblr-2966	557	10	.	.	PUNCT
cblr-2966	557	11	house.gov/apps/list/press/financialsvcs-dem/subprimeleg.pdf	house.gov/apps/list/press/financialsvcs-dem/subprimeleg.pdf	NOUN
cblr-2966	557	12	.	.	PUNCT
cblr-2966	558	1	once	once	SCONJ
cblr-2966	558	2	they	they	PRON
cblr-2966	558	3	reach	reach	VERB
cblr-2966	558	4	a	a	DET
cblr-2966	558	5	certain	certain	ADJ
cblr-2966	558	6	level	level	NOUN
cblr-2966	558	7	they	they	PRON
cblr-2966	558	8	are	be	AUX
cblr-2966	558	9	protected	protect	VERB
cblr-2966	558	10	and	and	CCONJ
cblr-2966	558	11	have	have	VERB
cblr-2966	558	12	no	no	DET
cblr-2966	558	13	incentive	incentive	NOUN
cblr-2966	558	14	to	to	PART
cblr-2966	558	15	perform	perform	VERB
cblr-2966	558	16	further	further	ADJ
cblr-2966	558	17	review	review	NOUN
cblr-2966	558	18	.	.	PUNCT
cblr-2966	559	1	moreover	moreover	ADV
cblr-2966	559	2	,	,	PUNCT
cblr-2966	559	3	this	this	PRON
cblr-2966	559	4	causes	cause	VERB
cblr-2966	559	5	serious	serious	ADJ
cblr-2966	559	6	problems	problem	NOUN
cblr-2966	559	7	for	for	ADP
cblr-2966	559	8	loan	loan	NOUN
cblr-2966	559	9	innovation	innovation	NOUN
cblr-2966	559	10	.	.	PUNCT
cblr-2966	560	1	the	the	PRON
cblr-2966	560	2	higher	high	ADJ
cblr-2966	560	3	the	the	DET
cblr-2966	560	4	costs	cost	NOUN
cblr-2966	560	5	go	go	VERB
cblr-2966	560	6	,	,	PUNCT
cblr-2966	560	7	especially	especially	ADV
cblr-2966	560	8	if	if	SCONJ
cblr-2966	560	9	laws	law	NOUN
cblr-2966	560	10	cease	cease	VERB
cblr-2966	560	11	to	to	PART
cblr-2966	560	12	provide	provide	VERB
cblr-2966	560	13	due	due	ADJ
cblr-2966	560	14	no	no	NOUN
cblr-2966	560	15	.	.	PUNCT
cblr-2966	561	1	3:10211	3:10211	NUM
cblr-2966	561	2	compounding	compound	VERB
cblr-2966	561	3	the	the	DET
cblr-2966	561	4	cost	cost	NOUN
cblr-2966	561	5	of	of	ADP
cblr-2966	561	6	assignee	assignee	NOUN
cblr-2966	561	7	liability	liability	NOUN
cblr-2966	561	8	regimes	regime	NOUN
cblr-2966	561	9	and	and	CCONJ
cblr-2966	561	10	the	the	DET
cblr-2966	561	11	under	under	NOUN
cblr-2966	561	12	-	-	PUNCT
cblr-2966	561	13	enforcement	enforcement	NOUN
cblr-2966	561	14	problems	problem	NOUN
cblr-2966	561	15	is	be	AUX
cblr-2966	561	16	the	the	DET
cblr-2966	561	17	fact	fact	NOUN
cblr-2966	561	18	that	that	SCONJ
cblr-2966	561	19	assignee	assignee	NOUN
cblr-2966	561	20	liability	liability	NOUN
cblr-2966	561	21	laws	law	NOUN
cblr-2966	561	22	do	do	AUX
cblr-2966	561	23	not	not	PART
cblr-2966	561	24	stop	stop	VERB
cblr-2966	561	25	predatory	predatory	ADJ
cblr-2966	561	26	lending	lending	NOUN
cblr-2966	561	27	.	.	PUNCT
cblr-2966	562	1	since	since	SCONJ
cblr-2966	562	2	the	the	DET
cblr-2966	562	3	laws	law	NOUN
cblr-2966	562	4	involve	involve	VERB
cblr-2966	562	5	interest	interest	NOUN
cblr-2966	562	6	rate	rate	NOUN
cblr-2966	562	7	triggers	trigger	NOUN
cblr-2966	562	8	for	for	ADP
cblr-2966	562	9	assignee	assignee	NOUN
cblr-2966	562	10	liability	liability	NOUN
cblr-2966	562	11	,	,	PUNCT
cblr-2966	562	12	they	they	PRON
cblr-2966	562	13	leave	leave	VERB
cblr-2966	562	14	open	open	ADJ
cblr-2966	562	15	the	the	DET
cblr-2966	562	16	possibility	possibility	NOUN
cblr-2966	562	17	of	of	ADP
cblr-2966	562	18	predators	predator	NOUN
cblr-2966	562	19	merely	merely	ADV
cblr-2966	562	20	shifting	shift	VERB
cblr-2966	562	21	to	to	PART
cblr-2966	562	22	use	use	VERB
cblr-2966	562	23	of	of	ADP
cblr-2966	562	24	balloon	balloon	NOUN
cblr-2966	562	25	payments	payment	NOUN
cblr-2966	562	26	,	,	PUNCT
cblr-2966	562	27	negative	negative	ADJ
cblr-2966	562	28	amortization	amortization	NOUN
cblr-2966	562	29	,	,	PUNCT
cblr-2966	562	30	or	or	CCONJ
cblr-2966	562	31	other	other	ADJ
cblr-2966	562	32	practices	practice	NOUN
cblr-2966	562	33	.	.	PUNCT
cblr-2966	563	1	loans	loan	NOUN
cblr-2966	563	2	can	can	AUX
cblr-2966	563	3	still	still	ADV
cblr-2966	563	4	have	have	VERB
cblr-2966	563	5	predatory	predatory	ADJ
cblr-2966	563	6	characteristics	characteristic	NOUN
cblr-2966	563	7	without	without	ADP
cblr-2966	563	8	charging	charge	VERB
cblr-2966	563	9	high	high	ADJ
cblr-2966	563	10	interest	interest	NOUN
cblr-2966	563	11	rates	rate	NOUN
cblr-2966	563	12	.	.	PUNCT
cblr-2966	564	1	for	for	ADP
cblr-2966	564	2	example	example	NOUN
cblr-2966	564	3	,	,	PUNCT
cblr-2966	564	4	they	they	PRON
cblr-2966	564	5	can	can	AUX
cblr-2966	564	6	still	still	ADV
cblr-2966	564	7	be	be	AUX
cblr-2966	564	8	made	make	VERB
cblr-2966	564	9	to	to	ADP
cblr-2966	564	10	people	people	NOUN
cblr-2966	564	11	who	who	PRON
cblr-2966	564	12	can	can	AUX
cblr-2966	564	13	not	not	PART
cblr-2966	564	14	possibly	possibly	ADV
cblr-2966	564	15	afford	afford	VERB
cblr-2966	564	16	them	they	PRON
cblr-2966	564	17	,	,	PUNCT
cblr-2966	564	18	while	while	SCONJ
cblr-2966	564	19	including	include	VERB
cblr-2966	564	20	balloon	balloon	NOUN
cblr-2966	564	21	payments	payment	NOUN
cblr-2966	564	22	to	to	PART
cblr-2966	564	23	maximize	maximize	VERB
cblr-2966	564	24	the	the	DET
cblr-2966	564	25	payout	payout	NOUN
cblr-2966	564	26	before	before	ADP
cblr-2966	564	27	default	default	NOUN
cblr-2966	564	28	.	.	PUNCT
cblr-2966	565	1	in	in	ADP
cblr-2966	565	2	that	that	DET
cblr-2966	565	3	case	case	NOUN
cblr-2966	565	4	,	,	PUNCT
cblr-2966	565	5	only	only	ADJ
cblr-2966	565	6	originators	originator	NOUN
cblr-2966	565	7	are	be	AUX
cblr-2966	565	8	actionable	actionable	ADJ
cblr-2966	565	9	.	.	PUNCT
cblr-2966	566	1	assignees	assignee	NOUN
cblr-2966	566	2	are	be	AUX
cblr-2966	566	3	untouchable	untouchable	ADJ
cblr-2966	566	4	,	,	PUNCT
cblr-2966	566	5	leaving	leave	VERB
cblr-2966	566	6	the	the	DET
cblr-2966	566	7	same	same	ADJ
cblr-2966	566	8	problems	problem	NOUN
cblr-2966	566	9	that	that	PRON
cblr-2966	566	10	caused	cause	VERB
cblr-2966	566	11	the	the	DET
cblr-2966	566	12	2007	2007	NUM
cblr-2966	566	13	crash	crash	NOUN
cblr-2966	566	14	.	.	PUNCT
cblr-2966	567	1	assignee	assignee	NOUN
cblr-2966	567	2	liability	liability	NOUN
cblr-2966	567	3	may	may	AUX
cblr-2966	567	4	quash	quash	VERB
cblr-2966	567	5	the	the	DET
cblr-2966	567	6	legitimate	legitimate	ADJ
cblr-2966	567	7	subprime	subprime	ADJ
cblr-2966	567	8	market	market	NOUN
cblr-2966	567	9	,	,	PUNCT
cblr-2966	567	10	while	while	SCONJ
cblr-2966	567	11	leaving	leave	VERB
cblr-2966	567	12	predatory	predatory	NOUN
cblr-2966	567	13	lending	lending	NOUN
cblr-2966	567	14	alive	alive	ADJ
cblr-2966	567	15	and	and	CCONJ
cblr-2966	567	16	well.1"9	well.1"9	VERB
cblr-2966	567	17	v.	v.	ADP
cblr-2966	567	18	empirical	empirical	ADJ
cblr-2966	567	19	analysis	analysis	NOUN
cblr-2966	567	20	of	of	ADP
cblr-2966	567	21	assignee	assignee	NOUN
cblr-2966	567	22	liability	liability	NOUN
cblr-2966	567	23	a	a	DET
cblr-2966	567	24	study	study	NOUN
cblr-2966	567	25	of	of	ADP
cblr-2966	567	26	the	the	DET
cblr-2966	567	27	impact	impact	NOUN
cblr-2966	567	28	of	of	ADP
cblr-2966	567	29	assignee	assignee	NOUN
cblr-2966	567	30	liability	liability	NOUN
cblr-2966	567	31	laws	law	NOUN
cblr-2966	567	32	in	in	ADP
cblr-2966	567	33	the	the	DET
cblr-2966	567	34	united	united	PROPN
cblr-2966	567	35	states	states	PROPN
cblr-2966	567	36	confirms	confirm	VERB
cblr-2966	567	37	the	the	DET
cblr-2966	567	38	theoretical	theoretical	ADJ
cblr-2966	567	39	case	case	NOUN
cblr-2966	567	40	against	against	ADP
cblr-2966	567	41	assignee	assignee	NOUN
cblr-2966	567	42	liability	liability	NOUN
cblr-2966	567	43	.	.	PUNCT
cblr-2966	568	1	by	by	ADP
cblr-2966	568	2	looking	look	VERB
cblr-2966	568	3	directly	directly	ADV
cblr-2966	568	4	at	at	ADP
cblr-2966	568	5	interest	interest	NOUN
cblr-2966	568	6	rates	rate	NOUN
cblr-2966	568	7	and	and	CCONJ
cblr-2966	568	8	the	the	DET
cblr-2966	568	9	prevalence	prevalence	NOUN
cblr-2966	568	10	of	of	ADP
cblr-2966	568	11	high	high	ADJ
cblr-2966	568	12	-	-	PUNCT
cblr-2966	568	13	cost	cost	NOUN
cblr-2966	568	14	loans	loan	NOUN
cblr-2966	568	15	,	,	PUNCT
cblr-2966	568	16	and	and	CCONJ
cblr-2966	568	17	by	by	ADP
cblr-2966	568	18	using	use	VERB
cblr-2966	568	19	states	state	NOUN
cblr-2966	568	20	as	as	ADP
cblr-2966	568	21	controlled	control	VERB
cblr-2966	568	22	experimental	experimental	ADJ
cblr-2966	568	23	comparisons	comparison	NOUN
cblr-2966	568	24	,	,	PUNCT
cblr-2966	568	25	this	this	DET
cblr-2966	568	26	note	note	NOUN
cblr-2966	568	27	attempts	attempt	VERB
cblr-2966	568	28	to	to	PART
cblr-2966	568	29	test	test	VERB
cblr-2966	568	30	three	three	NUM
cblr-2966	568	31	hypotheses	hypothesis	NOUN
cblr-2966	568	32	.	.	PUNCT
cblr-2966	569	1	the	the	DET
cblr-2966	569	2	first	first	ADJ
cblr-2966	569	3	hypothesis	hypothesis	NOUN
cblr-2966	569	4	is	be	AUX
cblr-2966	569	5	that	that	SCONJ
cblr-2966	569	6	predatory	predatory	ADJ
cblr-2966	569	7	lending	lending	NOUN
cblr-2966	569	8	laws	law	NOUN
cblr-2966	569	9	make	make	VERB
cblr-2966	569	10	subprime	subprime	ADJ
cblr-2966	569	11	lending	lending	NOUN
cblr-2966	569	12	more	more	ADV
cblr-2966	569	13	expensive	expensive	ADJ
cblr-2966	569	14	.	.	PUNCT
cblr-2966	570	1	the	the	DET
cblr-2966	570	2	second	second	ADJ
cblr-2966	570	3	hypothesis	hypothesis	NOUN
cblr-2966	570	4	is	be	AUX
cblr-2966	570	5	that	that	SCONJ
cblr-2966	570	6	predatory	predatory	ADJ
cblr-2966	570	7	lending	lending	NOUN
cblr-2966	570	8	laws	law	NOUN
cblr-2966	570	9	give	give	VERB
cblr-2966	570	10	consumers	consumer	NOUN
cblr-2966	570	11	more	more	ADJ
cblr-2966	570	12	confidence	confidence	NOUN
cblr-2966	570	13	,	,	PUNCT
cblr-2966	570	14	and	and	CCONJ
cblr-2966	570	15	therefore	therefore	ADV
cblr-2966	570	16	offset	offset	VERB
cblr-2966	570	17	some	some	PRON
cblr-2966	570	18	of	of	ADP
cblr-2966	570	19	the	the	DET
cblr-2966	570	20	expense	expense	NOUN
cblr-2966	570	21	by	by	ADP
cblr-2966	570	22	introducing	introduce	VERB
cblr-2966	570	23	new	new	ADJ
cblr-2966	570	24	,	,	PUNCT
cblr-2966	570	25	less	less	ADV
cblr-2966	570	26	desperate	desperate	ADJ
cblr-2966	570	27	consumers	consumer	NOUN
cblr-2966	570	28	to	to	ADP
cblr-2966	570	29	the	the	DET
cblr-2966	570	30	market	market	NOUN
cblr-2966	570	31	.	.	PUNCT
cblr-2966	571	1	finally	finally	ADV
cblr-2966	571	2	,	,	PUNCT
cblr-2966	571	3	the	the	DET
cblr-2966	571	4	third	third	ADJ
cblr-2966	571	5	hypothesis	hypothesis	NOUN
cblr-2966	571	6	is	be	AUX
cblr-2966	571	7	that	that	SCONJ
cblr-2966	571	8	predatory	predatory	ADJ
cblr-2966	571	9	lending	lending	NOUN
cblr-2966	571	10	laws	law	NOUN
cblr-2966	571	11	merely	merely	ADV
cblr-2966	571	12	act	act	VERB
cblr-2966	571	13	as	as	ADP
cblr-2966	571	14	interest	interest	NOUN
cblr-2966	571	15	rate	rate	NOUN
cblr-2966	571	16	caps	cap	NOUN
cblr-2966	571	17	on	on	ADP
cblr-2966	571	18	loans	loan	NOUN
cblr-2966	571	19	,	,	PUNCT
cblr-2966	571	20	rather	rather	ADV
cblr-2966	571	21	than	than	ADP
cblr-2966	571	22	stopping	stop	VERB
cblr-2966	571	23	predatory	predatory	ADJ
cblr-2966	571	24	behavior	behavior	NOUN
cblr-2966	571	25	.	.	PUNCT
cblr-2966	572	1	diligence	diligence	VERB
cblr-2966	572	2	safe	safe	ADJ
cblr-2966	572	3	harbors	harbor	NOUN
cblr-2966	572	4	,	,	PUNCT
cblr-2966	572	5	the	the	DET
cblr-2966	572	6	more	more	ADV
cblr-2966	572	7	likely	likely	ADJ
cblr-2966	572	8	the	the	DET
cblr-2966	572	9	industry	industry	NOUN
cblr-2966	572	10	will	will	AUX
cblr-2966	572	11	be	be	AUX
cblr-2966	572	12	to	to	PART
cblr-2966	572	13	adopt	adopt	VERB
cblr-2966	572	14	specific	specific	ADJ
cblr-2966	572	15	form	form	NOUN
cblr-2966	572	16	transactions	transaction	NOUN
cblr-2966	572	17	.	.	PUNCT
cblr-2966	573	1	this	this	PRON
cblr-2966	573	2	would	would	AUX
cblr-2966	573	3	mean	mean	VERB
cblr-2966	573	4	that	that	SCONJ
cblr-2966	573	5	all	all	DET
cblr-2966	573	6	loans	loan	NOUN
cblr-2966	573	7	would	would	AUX
cblr-2966	573	8	have	have	VERB
cblr-2966	573	9	virtually	virtually	ADV
cblr-2966	573	10	the	the	DET
cblr-2966	573	11	same	same	ADJ
cblr-2966	573	12	terms	term	NOUN
cblr-2966	573	13	in	in	ADP
cblr-2966	573	14	order	order	NOUN
cblr-2966	573	15	to	to	PART
cblr-2966	573	16	ensure	ensure	VERB
cblr-2966	573	17	the	the	DET
cblr-2966	573	18	loan	loan	NOUN
cblr-2966	573	19	did	do	AUX
cblr-2966	573	20	not	not	PART
cblr-2966	573	21	run	run	VERB
cblr-2966	573	22	afoul	afoul	ADV
cblr-2966	573	23	of	of	ADP
cblr-2966	573	24	the	the	DET
cblr-2966	573	25	draconian	draconian	ADJ
cblr-2966	573	26	penalties	penalty	NOUN
cblr-2966	573	27	.	.	PUNCT
cblr-2966	574	1	venkatesan	venkatesan	ADJ
cblr-2966	574	2	,	,	PUNCT
cblr-2966	574	3	supra	supra	PROPN
cblr-2966	574	4	note	note	NOUN
cblr-2966	574	5	57	57	NUM
cblr-2966	574	6	,	,	PUNCT
cblr-2966	574	7	at	at	ADP
cblr-2966	574	8	191	191	NUM
cblr-2966	574	9	.	.	PUNCT
cblr-2966	575	1	109	109	NUM
cblr-2966	575	2	even	even	ADV
cblr-2966	575	3	assignee	assignee	NOUN
cblr-2966	575	4	liability	liability	NOUN
cblr-2966	575	5	's	's	PART
cblr-2966	575	6	staunchest	staunch	ADJ
cblr-2966	575	7	supporters	supporter	NOUN
cblr-2966	575	8	worry	worry	VERB
cblr-2966	575	9	about	about	ADP
cblr-2966	575	10	and	and	CCONJ
cblr-2966	575	11	,	,	PUNCT
cblr-2966	575	12	indeed	indeed	ADV
cblr-2966	575	13	,	,	PUNCT
cblr-2966	575	14	accept	accept	VERB
cblr-2966	575	15	that	that	SCONJ
cblr-2966	575	16	assignee	assignee	NOUN
cblr-2966	575	17	liability	liability	NOUN
cblr-2966	575	18	will	will	AUX
cblr-2966	575	19	take	take	VERB
cblr-2966	575	20	a	a	DET
cblr-2966	575	21	toll	toll	NOUN
cblr-2966	575	22	on	on	ADP
cblr-2966	575	23	legitimate	legitimate	ADJ
cblr-2966	575	24	subprime	subprime	ADJ
cblr-2966	575	25	lending	lending	NOUN
cblr-2966	575	26	.	.	PUNCT
cblr-2966	576	1	venkatesan	venkatesan	ADJ
cblr-2966	576	2	,	,	PUNCT
cblr-2966	576	3	supra	supra	PROPN
cblr-2966	576	4	note	note	NOUN
cblr-2966	576	5	57	57	NUM
cblr-2966	576	6	,	,	PUNCT
cblr-2966	576	7	at	at	ADP
cblr-2966	576	8	211	211	NUM
cblr-2966	576	9	.	.	PUNCT
cblr-2966	577	1	[	[	X
cblr-2966	577	2	vol	vol	NOUN
cblr-2966	577	3	.	.	PUNCT
cblr-2966	577	4	2008_col	2008_col	NUM
cblr-2966	577	5	uamia	uamia	PROPN
cblr-2966	578	1	b	b	NOUN
cblr-2966	578	2	usiness	usiness	NOUN
cblr-2966	578	3	la	la	PROPN
cblr-2966	578	4	w	w	PROPN
cblr-2966	578	5	re	re	PROPN
cblr-2966	578	6	vie	vie	PROPN
cblr-2966	578	7	w	w	PROPN
cblr-2966	578	8	since	since	SCONJ
cblr-2966	578	9	the	the	DET
cblr-2966	578	10	first	first	ADJ
cblr-2966	578	11	and	and	CCONJ
cblr-2966	578	12	second	second	ADJ
cblr-2966	578	13	hypotheses	hypothesis	NOUN
cblr-2966	578	14	push	push	VERB
cblr-2966	578	15	in	in	ADP
cblr-2966	578	16	opposite	opposite	ADJ
cblr-2966	578	17	directions	direction	NOUN
cblr-2966	578	18	,	,	PUNCT
cblr-2966	578	19	it	it	PRON
cblr-2966	578	20	becomes	become	VERB
cblr-2966	578	21	clear	clear	ADJ
cblr-2966	578	22	that	that	SCONJ
cblr-2966	578	23	just	just	ADV
cblr-2966	578	24	looking	look	VERB
cblr-2966	578	25	at	at	ADP
cblr-2966	578	26	the	the	DET
cblr-2966	578	27	incidence	incidence	NOUN
cblr-2966	578	28	of	of	ADP
cblr-2966	578	29	subprime	subprime	ADJ
cblr-2966	578	30	lending	lending	NOUN
cblr-2966	578	31	does	do	AUX
cblr-2966	578	32	not	not	PART
cblr-2966	578	33	tell	tell	VERB
cblr-2966	578	34	the	the	DET
cblr-2966	578	35	whole	whole	ADJ
cblr-2966	578	36	story	story	NOUN
cblr-2966	578	37	.	.	PUNCT
cblr-2966	579	1	further	far	ADV
cblr-2966	579	2	,	,	PUNCT
cblr-2966	579	3	since	since	SCONJ
cblr-2966	579	4	the	the	DET
cblr-2966	579	5	laws	law	NOUN
cblr-2966	579	6	target	target	VERB
cblr-2966	579	7	only	only	ADV
cblr-2966	579	8	loans	loan	NOUN
cblr-2966	579	9	over	over	ADP
cblr-2966	579	10	a	a	DET
cblr-2966	579	11	certain	certain	ADJ
cblr-2966	579	12	interest	interest	NOUN
cblr-2966	579	13	rate	rate	NOUN
cblr-2966	579	14	,	,	PUNCT
cblr-2966	579	15	it	it	PRON
cblr-2966	579	16	is	be	AUX
cblr-2966	579	17	unclear	unclear	ADJ
cblr-2966	579	18	whether	whether	SCONJ
cblr-2966	579	19	predatory	predatory	ADJ
cblr-2966	579	20	practices	practice	NOUN
cblr-2966	579	21	are	be	AUX
cblr-2966	579	22	being	be	AUX
cblr-2966	579	23	prevented	prevent	VERB
cblr-2966	579	24	or	or	CCONJ
cblr-2966	579	25	just	just	ADV
cblr-2966	579	26	changed	change	VERB
cblr-2966	579	27	.	.	PUNCT
cblr-2966	580	1	the	the	DET
cblr-2966	580	2	story	story	NOUN
cblr-2966	580	3	is	be	AUX
cblr-2966	580	4	quite	quite	ADV
cblr-2966	580	5	complex	complex	ADJ
cblr-2966	580	6	,	,	PUNCT
cblr-2966	580	7	suggesting	suggest	VERB
cblr-2966	580	8	that	that	SCONJ
cblr-2966	580	9	predatory	predatory	NOUN
cblr-2966	580	10	lending	lending	NOUN
cblr-2966	580	11	laws	law	NOUN
cblr-2966	580	12	,	,	PUNCT
cblr-2966	580	13	by	by	ADP
cblr-2966	580	14	including	include	VERB
cblr-2966	580	15	assignee	assignee	NOUN
cblr-2966	580	16	liability	liability	NOUN
cblr-2966	580	17	provisions	provision	NOUN
cblr-2966	580	18	,	,	PUNCT
cblr-2966	580	19	may	may	AUX
cblr-2966	580	20	be	be	AUX
cblr-2966	580	21	crowding	crowd	VERB
cblr-2966	580	22	out	out	ADP
cblr-2966	580	23	legitimate	legitimate	ADJ
cblr-2966	580	24	subprime	subprime	ADJ
cblr-2966	580	25	lending	lending	NOUN
cblr-2966	580	26	,	,	PUNCT
cblr-2966	580	27	lulling	lull	VERB
cblr-2966	580	28	consumers	consumer	NOUN
cblr-2966	580	29	into	into	ADP
cblr-2966	580	30	a	a	DET
cblr-2966	580	31	false	false	ADJ
cblr-2966	580	32	sense	sense	NOUN
cblr-2966	580	33	of	of	ADP
cblr-2966	580	34	confidence	confidence	NOUN
cblr-2966	580	35	without	without	ADP
cblr-2966	580	36	actually	actually	ADV
cblr-2966	580	37	policing	police	VERB
cblr-2966	580	38	predatory	predatory	ADJ
cblr-2966	580	39	practices	practice	NOUN
cblr-2966	580	40	.	.	PUNCT
cblr-2966	581	1	a.	a.	NOUN
cblr-2966	581	2	a	a	DET
cblr-2966	581	3	note	note	NOUN
cblr-2966	581	4	on	on	ADP
cblr-2966	581	5	the	the	DET
cblr-2966	581	6	data	datum	NOUN
cblr-2966	581	7	the	the	DET
cblr-2966	581	8	data	datum	NOUN
cblr-2966	581	9	set	set	VERB
cblr-2966	581	10	for	for	ADP
cblr-2966	581	11	this	this	DET
cblr-2966	581	12	project	project	NOUN
cblr-2966	581	13	came	come	VERB
cblr-2966	581	14	from	from	ADP
cblr-2966	581	15	required	require	VERB
cblr-2966	581	16	reporting	reporting	NOUN
cblr-2966	581	17	under	under	ADP
cblr-2966	581	18	the	the	DET
cblr-2966	581	19	home	home	NOUN
cblr-2966	581	20	mortgage	mortgage	NOUN
cblr-2966	581	21	disclosure	disclosure	NOUN
cblr-2966	581	22	act	act	NOUN
cblr-2966	581	23	(	(	PUNCT
cblr-2966	581	24	hmda	hmda	PROPN
cblr-2966	581	25	)	)	PUNCT
cblr-2966	581	26	.	.	PUNCT
cblr-2966	581	27	"	"	PUNCT
cblr-2966	582	1	°	°	CCONJ
cblr-2966	583	1	it	it	PRON
cblr-2966	583	2	includes	include	VERB
cblr-2966	583	3	the	the	DET
cblr-2966	583	4	vast	vast	ADJ
cblr-2966	583	5	majority	majority	NOUN
cblr-2966	583	6	of	of	ADP
cblr-2966	583	7	u.s	u.s	PROPN
cblr-2966	583	8	.	.	PROPN
cblr-2966	583	9	mortgage	mortgage	NOUN
cblr-2966	583	10	transactions	transaction	NOUN
cblr-2966	583	11	and	and	CCONJ
cblr-2966	583	12	is	be	AUX
cblr-2966	583	13	the	the	DET
cblr-2966	583	14	universal	universal	ADJ
cblr-2966	583	15	standard	standard	NOUN
cblr-2966	583	16	for	for	ADP
cblr-2966	583	17	mortgage	mortgage	NOUN
cblr-2966	583	18	research	research	NOUN
cblr-2966	583	19	.	.	PUNCT
cblr-2966	584	1	"	"	PUNCT
cblr-2966	584	2	'	'	PUNCT
cblr-2966	584	3	the	the	DET
cblr-2966	584	4	data	datum	NOUN
cblr-2966	584	5	are	be	AUX
cblr-2966	584	6	for	for	ADP
cblr-2966	584	7	the	the	DET
cblr-2966	584	8	years	year	NOUN
cblr-2966	584	9	2004	2004	NUM
cblr-2966	584	10	to	to	ADP
cblr-2966	584	11	2006	2006	NUM
cblr-2966	584	12	.	.	PUNCT
cblr-2966	585	1	since	since	SCONJ
cblr-2966	585	2	there	there	PRON
cblr-2966	585	3	are	be	VERB
cblr-2966	585	4	well	well	ADV
cblr-2966	585	5	over	over	ADP
cblr-2966	585	6	onehundred	onehundred	ADJ
cblr-2966	585	7	million	million	NUM
cblr-2966	585	8	loans	loan	NOUN
cblr-2966	585	9	for	for	ADP
cblr-2966	585	10	that	that	DET
cblr-2966	585	11	period	period	NOUN
cblr-2966	585	12	,	,	PUNCT
cblr-2966	585	13	a	a	DET
cblr-2966	585	14	random	random	ADJ
cblr-2966	585	15	sample	sample	NOUN
cblr-2966	585	16	of	of	ADP
cblr-2966	585	17	roughly	roughly	ADV
cblr-2966	585	18	4	4	NUM
cblr-2966	585	19	%	%	NOUN
cblr-2966	585	20	is	be	AUX
cblr-2966	585	21	reported	report	VERB
cblr-2966	585	22	here.11	here.11	PROPN
cblr-2966	585	23	2	2	NUM
cblr-2966	585	24	this	this	PRON
cblr-2966	585	25	left	leave	VERB
cblr-2966	585	26	roughly	roughly	ADV
cblr-2966	585	27	3.8	3.8	NUM
cblr-2966	585	28	million	million	NUM
cblr-2966	585	29	loans	loan	NOUN
cblr-2966	585	30	.	.	PUNCT
cblr-2966	586	1	some	some	DET
cblr-2966	586	2	summary	summary	NOUN
cblr-2966	586	3	statistics	statistic	NOUN
cblr-2966	586	4	of	of	ADP
cblr-2966	586	5	relevant	relevant	ADJ
cblr-2966	586	6	variables	variable	NOUN
cblr-2966	586	7	are	be	AUX
cblr-2966	586	8	presented	present	VERB
cblr-2966	586	9	in	in	ADP
cblr-2966	586	10	table	table	NOUN
cblr-2966	586	11	2	2	NUM
cblr-2966	586	12	through	through	ADP
cblr-2966	586	13	table	table	NOUN
cblr-2966	586	14	11	11	NUM
cblr-2966	586	15	.	.	PUNCT
cblr-2966	587	1	while	while	SCONJ
cblr-2966	587	2	focusing	focus	VERB
cblr-2966	587	3	on	on	ADP
cblr-2966	587	4	subprime	subprime	ADJ
cblr-2966	587	5	loans	loan	NOUN
cblr-2966	587	6	,	,	PUNCT
cblr-2966	587	7	this	this	DET
cblr-2966	587	8	note	note	NOUN
cblr-2966	587	9	will	will	AUX
cblr-2966	587	10	refer	refer	VERB
cblr-2966	587	11	to	to	ADP
cblr-2966	587	12	them	they	PRON
cblr-2966	587	13	in	in	ADP
cblr-2966	587	14	the	the	DET
cblr-2966	587	15	data	datum	NOUN
cblr-2966	587	16	as	as	ADP
cblr-2966	587	17	"	"	PUNCT
cblr-2966	587	18	high	high	ADJ
cblr-2966	587	19	cost	cost	NOUN
cblr-2966	587	20	"	"	PUNCT
cblr-2966	587	21	loans	loan	NOUN
cblr-2966	587	22	.	.	PUNCT
cblr-2966	588	1	11	11	NUM
cblr-2966	588	2	'	'	PUNCT
cblr-2966	588	3	see	see	VERB
cblr-2966	588	4	home	home	NOUN
cblr-2966	588	5	mortgage	mortgage	NOUN
cblr-2966	588	6	disclosure	disclosure	NOUN
cblr-2966	588	7	act	act	NOUN
cblr-2966	588	8	,	,	PUNCT
cblr-2966	588	9	12	12	NUM
cblr-2966	588	10	u.s.c	u.s.c	ADJ
cblr-2966	588	11	.	.	PUNCT
cblr-2966	589	1	§	§	PROPN
cblr-2966	589	2	§	§	PROPN
cblr-2966	589	3	2801	2801	NUM
cblr-2966	589	4	-	-	SYM
cblr-2966	589	5	10	10	NUM
cblr-2966	589	6	(	(	PUNCT
cblr-2966	589	7	2006	2006	NUM
cblr-2966	589	8	)	)	PUNCT
cblr-2966	589	9	;	;	PUNCT
cblr-2966	589	10	12	12	NUM
cblr-2966	589	11	c.f.r	c.f.r	NOUN
cblr-2966	589	12	.	.	PUNCT
cblr-2966	590	1	§	§	PROPN
cblr-2966	590	2	203	203	NUM
cblr-2966	590	3	(	(	PUNCT
cblr-2966	590	4	2007	2007	NUM
cblr-2966	590	5	)	)	PUNCT
cblr-2966	590	6	;	;	PUNCT
cblr-2966	590	7	federal	federal	ADJ
cblr-2966	590	8	financial	financial	ADJ
cblr-2966	590	9	institutions	institution	NOUN
cblr-2966	590	10	examination	examination	PROPN
cblr-2966	590	11	council	council	PROPN
cblr-2966	590	12	,	,	PUNCT
cblr-2966	590	13	home	home	NOUN
cblr-2966	590	14	mortgage	mortgage	NOUN
cblr-2966	590	15	disclosure	disclosure	NOUN
cblr-2966	590	16	act	act	NOUN
cblr-2966	590	17	,	,	PUNCT
cblr-2966	590	18	http://www.ffiec.gov/hmda/	http://www.ffiec.gov/hmda/	X
cblr-2966	590	19	default.htm	default.htm	X
cblr-2966	590	20	(	(	PUNCT
cblr-2966	590	21	last	last	ADV
cblr-2966	590	22	visited	visit	VERB
cblr-2966	590	23	dec	dec	PROPN
cblr-2966	590	24	.	.	PROPN
cblr-2966	590	25	3	3	NUM
cblr-2966	590	26	,	,	PUNCT
cblr-2966	590	27	2008	2008	NUM
cblr-2966	590	28	)	)	PUNCT
cblr-2966	590	29	(	(	PUNCT
cblr-2966	590	30	source	source	NOUN
cblr-2966	590	31	of	of	ADP
cblr-2966	590	32	data	datum	NOUN
cblr-2966	590	33	)	)	PUNCT
cblr-2966	590	34	.	.	PUNCT
cblr-2966	590	35	.	.	PUNCT
cblr-2966	591	1	see	see	VERB
cblr-2966	591	2	,	,	PUNCT
cblr-2966	591	3	e.g.	e.g.	ADV
cblr-2966	591	4	,	,	PUNCT
cblr-2966	591	5	avery	avery	PROPN
cblr-2966	591	6	et	et	PROPN
cblr-2966	591	7	al	al	PROPN
cblr-2966	591	8	.	.	PROPN
cblr-2966	591	9	,	,	PUNCT
cblr-2966	591	10	supra	supra	PROPN
cblr-2966	591	11	note	note	PROPN
cblr-2966	591	12	14	14	NUM
cblr-2966	591	13	,	,	PUNCT
cblr-2966	591	14	at	at	ADP
cblr-2966	591	15	a124	a124	PROPN
cblr-2966	591	16	;	;	PUNCT
cblr-2966	591	17	bostic	bostic	PROPN
cblr-2966	591	18	et	et	PROPN
cblr-2966	591	19	al	al	PROPN
cblr-2966	591	20	.	.	PROPN
cblr-2966	591	21	,	,	PUNCT
cblr-2966	591	22	supra	supra	PROPN
cblr-2966	591	23	note	note	PROPN
cblr-2966	591	24	7	7	NUM
cblr-2966	591	25	;	;	PUNCT
cblr-2966	592	1	paul	paul	PROPN
cblr-2966	592	2	s.	s.	PROPN
cblr-2966	592	3	calem	calem	PROPN
cblr-2966	592	4	et	et	PROPN
cblr-2966	592	5	al	al	PROPN
cblr-2966	592	6	.	.	PROPN
cblr-2966	592	7	,	,	PUNCT
cblr-2966	592	8	neighborhood	neighborhood	NOUN
cblr-2966	592	9	patterns	pattern	NOUN
cblr-2966	592	10	of	of	ADP
cblr-2966	592	11	subprime	subprime	ADJ
cblr-2966	592	12	lending	lending	NOUN
cblr-2966	592	13	:	:	PUNCT
cblr-2966	592	14	evidence	evidence	NOUN
cblr-2966	592	15	from	from	ADP
cblr-2966	592	16	disparate	disparate	ADJ
cblr-2966	592	17	cities	city	NOUN
cblr-2966	592	18	,	,	PUNCT
cblr-2966	592	19	15	15	NUM
cblr-2966	592	20	housing	housing	NOUN
cblr-2966	592	21	pol'y	pol'y	NOUN
cblr-2966	592	22	debate	debate	VERB
cblr-2966	592	23	603	603	NUM
cblr-2966	592	24	(	(	PUNCT
cblr-2966	592	25	2004	2004	NUM
cblr-2966	592	26	)	)	PUNCT
cblr-2966	592	27	;	;	PUNCT
cblr-2966	592	28	harvey	harvey	NOUN
cblr-2966	592	29	&	&	CCONJ
cblr-2966	592	30	nigro	nigro	PROPN
cblr-2966	592	31	,	,	PUNCT
cblr-2966	592	32	supra	supra	PROPN
cblr-2966	592	33	note	note	NOUN
cblr-2966	592	34	16	16	NUM
cblr-2966	592	35	,	,	PUNCT
cblr-2966	592	36	at	at	ADP
cblr-2966	592	37	483	483	NUM
cblr-2966	592	38	;	;	PUNCT
cblr-2966	592	39	keith	keith	PROPN
cblr-2966	592	40	d.	d.	PROPN
cblr-2966	592	41	harvey	harvey	PROPN
cblr-2966	592	42	&	&	CCONJ
cblr-2966	592	43	peter	peter	PROPN
cblr-2966	592	44	j.	j.	PROPN
cblr-2966	592	45	nigro	nigro	PROPN
cblr-2966	592	46	,	,	PUNCT
cblr-2966	592	47	do	do	VERB
cblr-2966	592	48	predatory	predatory	NOUN
cblr-2966	592	49	lending	lending	NOUN
cblr-2966	592	50	laws	law	NOUN
cblr-2966	592	51	influence	influence	VERB
cblr-2966	592	52	mortgage	mortgage	NOUN
cblr-2966	592	53	lending	lending	NOUN
cblr-2966	592	54	?	?	PUNCT
cblr-2966	593	1	an	an	DET
cblr-2966	593	2	analysis	analysis	NOUN
cblr-2966	593	3	of	of	ADP
cblr-2966	593	4	the	the	DET
cblr-2966	593	5	north	north	PROPN
cblr-2966	593	6	carolina	carolina	PROPN
cblr-2966	593	7	predatory	predatory	NOUN
cblr-2966	593	8	lending	lending	NOUN
cblr-2966	593	9	law	law	NOUN
cblr-2966	593	10	,	,	PUNCT
cblr-2966	593	11	29	29	NUM
cblr-2966	593	12	j.	j.	PROPN
cblr-2966	593	13	real	real	PROPN
cblr-2966	593	14	est	est	X
cblr-2966	593	15	.	.	PUNCT
cblr-2966	594	1	fin	fin	NOUN
cblr-2966	594	2	.	.	PUNCT
cblr-2966	594	3	&	&	CCONJ
cblr-2966	594	4	econ	econ	PROPN
cblr-2966	594	5	.	.	PROPN
cblr-2966	594	6	,	,	PUNCT
cblr-2966	594	7	435	435	NUM
cblr-2966	594	8	(	(	PUNCT
cblr-2966	594	9	2004	2004	NUM
cblr-2966	594	10	)	)	PUNCT
cblr-2966	594	11	;	;	PUNCT
cblr-2966	594	12	ho	ho	PROPN
cblr-2966	594	13	&	&	CCONJ
cblr-2966	594	14	pennington	pennington	PROPN
cblr-2966	594	15	-	-	PUNCT
cblr-2966	594	16	cross	cross	PROPN
cblr-2966	594	17	,	,	PUNCT
cblr-2966	594	18	supra	supra	ADJ
cblr-2966	594	19	note	note	PROPN
cblr-2966	594	20	14	14	NUM
cblr-2966	594	21	,	,	PUNCT
cblr-2966	594	22	at	at	ADP
cblr-2966	594	23	218	218	NUM
cblr-2966	594	24	;	;	PUNCT
cblr-2966	594	25	wachter	wachter	X
cblr-2966	594	26	et	et	PROPN
cblr-2966	594	27	al	al	PROPN
cblr-2966	594	28	.	.	PROPN
cblr-2966	594	29	,	,	PUNCT
cblr-2966	594	30	subprime	subprime	ADJ
cblr-2966	594	31	lending	lending	NOUN
cblr-2966	594	32	:	:	PUNCT
cblr-2966	594	33	neighborhood	neighborhood	NOUN
cblr-2966	594	34	patterns	pattern	NOUN
cblr-2966	594	35	over	over	ADP
cblr-2966	594	36	time	time	NOUN
cblr-2966	594	37	in	in	ADP
cblr-2966	594	38	us	us	PROPN
cblr-2966	594	39	cities	city	NOUN
cblr-2966	594	40	,	,	PUNCT
cblr-2966	594	41	(	(	PUNCT
cblr-2966	594	42	institute	institute	NOUN
cblr-2966	594	43	for	for	ADP
cblr-2966	594	44	law	law	NOUN
cblr-2966	594	45	and	and	CCONJ
cblr-2966	594	46	economics	economic	NOUN
cblr-2966	594	47	,	,	PUNCT
cblr-2966	594	48	research	research	NOUN
cblr-2966	594	49	paper	paper	NOUN
cblr-2966	594	50	no	no	INTJ
cblr-2966	595	1	.	.	PROPN
cblr-2966	595	2	06	06	NUM
cblr-2966	595	3	-	-	SYM
cblr-2966	595	4	19	19	NUM
cblr-2966	595	5	,	,	PUNCT
cblr-2966	595	6	2006	2006	NUM
cblr-2966	595	7	)	)	PUNCT
cblr-2966	595	8	.	.	PUNCT
cblr-2966	596	1	112	112	NUM
cblr-2966	596	2	similar	similar	ADJ
cblr-2966	596	3	to	to	ADP
cblr-2966	596	4	the	the	DET
cblr-2966	596	5	approach	approach	NOUN
cblr-2966	596	6	used	use	VERB
cblr-2966	596	7	by	by	ADP
cblr-2966	596	8	bostic	bostic	PROPN
cblr-2966	596	9	et	et	PROPN
cblr-2966	596	10	al	al	PROPN
cblr-2966	596	11	.	.	PROPN
cblr-2966	596	12	,	,	PUNCT
cblr-2966	596	13	supra	supra	PROPN
cblr-2966	596	14	note	note	PROPN
cblr-2966	596	15	7	7	NUM
cblr-2966	596	16	,	,	PUNCT
cblr-2966	596	17	this	this	DET
cblr-2966	596	18	study	study	NOUN
cblr-2966	596	19	used	use	VERB
cblr-2966	596	20	a	a	DET
cblr-2966	596	21	stata	stata	ADJ
cblr-2966	596	22	random	random	ADJ
cblr-2966	596	23	sampling	sampling	NOUN
cblr-2966	596	24	algorithm	algorithm	NOUN
cblr-2966	596	25	to	to	PART
cblr-2966	596	26	take	take	VERB
cblr-2966	596	27	a	a	DET
cblr-2966	596	28	5	5	NUM
cblr-2966	596	29	%	%	NOUN
cblr-2966	596	30	random	random	ADJ
cblr-2966	596	31	sample	sample	NOUN
cblr-2966	596	32	.	.	PUNCT
cblr-2966	597	1	no	no	INTJ
cblr-2966	597	2	.	.	PUNCT
cblr-2966	598	1	3:1021	3:1021	NUM
cblr-2966	598	2	]	]	X
cblr-2966	598	3	rethinking	rethink	VERB
cblr-2966	598	4	assignee	assignee	NOUN
cblr-2966	598	5	liability	liability	NOUN
cblr-2966	598	6	columbia	columbia	PROPN
cblr-2966	598	7	business	business	PROPN
cblr-2966	598	8	la	la	PROPN
cblr-2966	598	9	w	w	PROPN
cblr-2966	598	10	review	review	PROPN
cblr-2966	598	11	b.	b.	PROPN
cblr-2966	598	12	past	past	PROPN
cblr-2966	598	13	empirical	empirical	ADJ
cblr-2966	598	14	research	research	NOUN
cblr-2966	598	15	studies	study	NOUN
cblr-2966	598	16	of	of	ADP
cblr-2966	598	17	predatory	predatory	ADJ
cblr-2966	598	18	lending	lending	NOUN
cblr-2966	598	19	are	be	AUX
cblr-2966	598	20	part	part	NOUN
cblr-2966	598	21	of	of	ADP
cblr-2966	598	22	a	a	DET
cblr-2966	598	23	rapidly	rapidly	ADV
cblr-2966	598	24	growing	grow	VERB
cblr-2966	598	25	field	field	NOUN
cblr-2966	598	26	.	.	PUNCT
cblr-2966	599	1	early	early	ADJ
cblr-2966	599	2	studies	study	NOUN
cblr-2966	599	3	focused	focus	VERB
cblr-2966	599	4	on	on	ADP
cblr-2966	599	5	the	the	DET
cblr-2966	599	6	first	first	ADJ
cblr-2966	599	7	state	state	NOUN
cblr-2966	599	8	to	to	PART
cblr-2966	599	9	enact	enact	VERB
cblr-2966	599	10	a	a	DET
cblr-2966	599	11	major	major	ADJ
cblr-2966	599	12	predatory	predatory	ADJ
cblr-2966	599	13	lending	lending	NOUN
cblr-2966	599	14	law	law	NOUN
cblr-2966	599	15	,	,	PUNCT
cblr-2966	599	16	north	north	PROPN
cblr-2966	599	17	carolina	carolina	PROPN
cblr-2966	599	18	.	.	PUNCT
cblr-2966	600	1	these	these	DET
cblr-2966	600	2	studies	study	NOUN
cblr-2966	600	3	produced	produce	VERB
cblr-2966	600	4	conflicting	conflicting	ADJ
cblr-2966	600	5	results	result	NOUN
cblr-2966	600	6	.	.	PUNCT
cblr-2966	601	1	one	one	NUM
cblr-2966	601	2	study	study	NOUN
cblr-2966	601	3	,	,	PUNCT
cblr-2966	601	4	using	use	VERB
cblr-2966	601	5	a	a	DET
cblr-2966	601	6	proprietary	proprietary	ADJ
cblr-2966	601	7	data	datum	NOUN
cblr-2966	601	8	set	set	VERB
cblr-2966	601	9	,	,	PUNCT
cblr-2966	601	10	determined	determine	VERB
cblr-2966	601	11	that	that	SCONJ
cblr-2966	601	12	the	the	DET
cblr-2966	601	13	north	north	PROPN
cblr-2966	601	14	carolina	carolina	PROPN
cblr-2966	601	15	law	law	PROPN
cblr-2966	601	16	pushed	push	VERB
cblr-2966	601	17	lenders	lender	NOUN
cblr-2966	601	18	away	away	ADV
cblr-2966	601	19	from	from	ADP
cblr-2966	601	20	riskier	risky	ADJ
cblr-2966	601	21	credit	credit	NOUN
cblr-2966	601	22	extensions	extension	NOUN
cblr-2966	601	23	.	.	PUNCT
cblr-2966	602	1	it	it	PRON
cblr-2966	602	2	reduced	reduce	VERB
cblr-2966	602	3	subprime	subprime	ADJ
cblr-2966	602	4	lending	lending	NOUN
cblr-2966	602	5	to	to	ADP
cblr-2966	602	6	lower	low	ADJ
cblr-2966	602	7	-	-	PUNCT
cblr-2966	602	8	income	income	NOUN
cblr-2966	602	9	borrowers	borrower	NOUN
cblr-2966	602	10	,	,	PUNCT
cblr-2966	602	11	causing	cause	VERB
cblr-2966	602	12	the	the	DET
cblr-2966	602	13	total	total	ADJ
cblr-2966	602	14	amount	amount	NOUN
cblr-2966	602	15	of	of	ADP
cblr-2966	602	16	subprime	subprime	ADJ
cblr-2966	602	17	lending	lending	NOUN
cblr-2966	602	18	to	to	PART
cblr-2966	602	19	decrease	decrease	VERB
cblr-2966	602	20	.	.	PUNCT
cblr-2966	603	1	"	"	PUNCT
cblr-2966	603	2	'	'	PUNCT
cblr-2966	603	3	in	in	ADP
cblr-2966	603	4	2004	2004	NUM
cblr-2966	603	5	,	,	PUNCT
cblr-2966	603	6	a	a	DET
cblr-2966	603	7	study	study	NOUN
cblr-2966	603	8	using	use	VERB
cblr-2966	603	9	hmda	hmda	ADJ
cblr-2966	603	10	data	datum	NOUN
cblr-2966	603	11	concluded	conclude	VERB
cblr-2966	603	12	that	that	SCONJ
cblr-2966	603	13	the	the	DET
cblr-2966	603	14	amount	amount	NOUN
cblr-2966	603	15	of	of	ADP
cblr-2966	603	16	subprime	subprime	ADJ
cblr-2966	603	17	lending	lending	NOUN
cblr-2966	603	18	in	in	ADP
cblr-2966	603	19	north	north	PROPN
cblr-2966	603	20	carolina	carolina	PROPN
cblr-2966	603	21	declined	decline	VERB
cblr-2966	603	22	because	because	SCONJ
cblr-2966	603	23	of	of	ADP
cblr-2966	603	24	a	a	DET
cblr-2966	603	25	decrease	decrease	NOUN
cblr-2966	603	26	in	in	ADP
cblr-2966	603	27	applicants	applicant	NOUN
cblr-2966	603	28	rather	rather	ADV
cblr-2966	603	29	than	than	ADP
cblr-2966	603	30	an	an	DET
cblr-2966	603	31	increase	increase	NOUN
cblr-2966	603	32	in	in	ADP
cblr-2966	603	33	the	the	DET
cblr-2966	603	34	rejection	rejection	NOUN
cblr-2966	603	35	rate	rate	NOUN
cblr-2966	603	36	.	.	PUNCT
cblr-2966	604	1	"4	"4	NOUN
cblr-2966	604	2	this	this	PRON
cblr-2966	604	3	suggested	suggest	VERB
cblr-2966	604	4	that	that	SCONJ
cblr-2966	604	5	the	the	DET
cblr-2966	604	6	north	north	PROPN
cblr-2966	604	7	carolina	carolina	PROPN
cblr-2966	604	8	law	law	NOUN
cblr-2966	604	9	curbed	curb	VERB
cblr-2966	604	10	some	some	DET
cblr-2966	604	11	abusive	abusive	ADJ
cblr-2966	604	12	practices	practice	NOUN
cblr-2966	604	13	without	without	ADP
cblr-2966	604	14	harming	harm	VERB
cblr-2966	604	15	the	the	DET
cblr-2966	604	16	flow	flow	NOUN
cblr-2966	604	17	of	of	ADP
cblr-2966	604	18	subprime	subprime	ADJ
cblr-2966	604	19	credit	credit	NOUN
cblr-2966	604	20	.	.	PUNCT
cblr-2966	605	1	a	a	DET
cblr-2966	605	2	2004	2004	NUM
cblr-2966	605	3	study	study	NOUN
cblr-2966	605	4	determined	determine	VERB
cblr-2966	605	5	that	that	SCONJ
cblr-2966	605	6	a	a	DET
cblr-2966	605	7	decrease	decrease	NOUN
cblr-2966	605	8	in	in	ADP
cblr-2966	605	9	subprime	subprime	ADJ
cblr-2966	605	10	loans	loan	NOUN
cblr-2966	605	11	reflected	reflect	VERB
cblr-2966	605	12	mostly	mostly	ADV
cblr-2966	605	13	the	the	DET
cblr-2966	605	14	halting	halting	NOUN
cblr-2966	605	15	of	of	ADP
cblr-2966	605	16	loans	loan	NOUN
cblr-2966	605	17	with	with	ADP
cblr-2966	605	18	predatory	predatory	ADJ
cblr-2966	605	19	aspects	aspect	NOUN
cblr-2966	605	20	.	.	PUNCT
cblr-2966	605	21	'	'	PUNCT
cblr-2966	606	1	there	there	PRON
cblr-2966	606	2	are	be	VERB
cblr-2966	606	3	also	also	ADV
cblr-2966	606	4	many	many	ADJ
cblr-2966	606	5	national	national	ADJ
cblr-2966	606	6	predatory	predatory	ADJ
cblr-2966	606	7	lending	lending	NOUN
cblr-2966	606	8	studies	study	NOUN
cblr-2966	606	9	.	.	PUNCT
cblr-2966	607	1	in	in	ADP
cblr-2966	607	2	2003	2003	NUM
cblr-2966	607	3	,	,	PUNCT
cblr-2966	607	4	one	one	NUM
cblr-2966	607	5	study	study	NOUN
cblr-2966	607	6	compared	compare	VERB
cblr-2966	607	7	anti	anti	ADJ
cblr-2966	607	8	-	-	ADJ
cblr-2966	607	9	predatory	predatory	ADJ
cblr-2966	607	10	lending	lending	NOUN
cblr-2966	607	11	laws	law	NOUN
cblr-2966	607	12	in	in	ADP
cblr-2966	607	13	chicago	chicago	PROPN
cblr-2966	607	14	and	and	CCONJ
cblr-2966	607	15	philadelphia	philadelphia	PROPN
cblr-2966	607	16	.	.	PUNCT
cblr-2966	608	1	"6	"6	NOUN
cblr-2966	608	2	in	in	ADP
cblr-2966	608	3	chicago	chicago	PROPN
cblr-2966	608	4	,	,	PUNCT
cblr-2966	608	5	where	where	SCONJ
cblr-2966	608	6	the	the	DET
cblr-2966	608	7	law	law	NOUN
cblr-2966	608	8	targeted	target	VERB
cblr-2966	608	9	banks	bank	NOUN
cblr-2966	608	10	,	,	PUNCT
cblr-2966	608	11	the	the	DET
cblr-2966	608	12	chance	chance	NOUN
cblr-2966	608	13	of	of	ADP
cblr-2966	608	14	a	a	DET
cblr-2966	608	15	subprime	subprime	ADJ
cblr-2966	608	16	origination	origination	NOUN
cblr-2966	608	17	remained	remain	VERB
cblr-2966	608	18	unchanged	unchanged	ADJ
cblr-2966	608	19	,	,	PUNCT
cblr-2966	608	20	but	but	CCONJ
cblr-2966	608	21	the	the	DET
cblr-2966	608	22	portion	portion	NOUN
cblr-2966	608	23	of	of	ADP
cblr-2966	608	24	the	the	DET
cblr-2966	608	25	market	market	NOUN
cblr-2966	608	26	serviced	service	VERB
cblr-2966	608	27	by	by	ADP
cblr-2966	608	28	non	non	ADJ
cblr-2966	608	29	-	-	ADJ
cblr-2966	608	30	bank	bank	ADJ
cblr-2966	608	31	entities	entity	NOUN
cblr-2966	608	32	increased.1	increased.1	VERB
cblr-2966	608	33	7	7	NUM
cblr-2966	608	34	in	in	ADP
cblr-2966	608	35	philadelphia	philadelphia	PROPN
cblr-2966	608	36	,	,	PUNCT
cblr-2966	608	37	where	where	SCONJ
cblr-2966	608	38	the	the	DET
cblr-2966	608	39	law	law	NOUN
cblr-2966	608	40	covered	cover	VERB
cblr-2966	608	41	a	a	DET
cblr-2966	608	42	greater	great	ADJ
cblr-2966	608	43	percentage	percentage	NOUN
cblr-2966	608	44	of	of	ADP
cblr-2966	608	45	loans	loan	NOUN
cblr-2966	608	46	,	,	PUNCT
cblr-2966	608	47	it	it	PRON
cblr-2966	608	48	caused	cause	VERB
cblr-2966	608	49	a	a	DET
cblr-2966	608	50	dramatic	dramatic	ADJ
cblr-2966	608	51	decline	decline	NOUN
cblr-2966	608	52	in	in	ADP
cblr-2966	608	53	subprime	subprime	ADJ
cblr-2966	608	54	lending	lending	NOUN
cblr-2966	608	55	,	,	PUNCT
cblr-2966	608	56	virtually	virtually	ADV
cblr-2966	608	57	removing	remove	VERB
cblr-2966	608	58	lines	line	NOUN
cblr-2966	608	59	of	of	ADP
cblr-2966	608	60	credit	credit	NOUN
cblr-2966	608	61	for	for	ADP
cblr-2966	608	62	low	low	ADJ
cblr-2966	608	63	-	-	PUNCT
cblr-2966	608	64	income	income	NOUN
cblr-2966	608	65	and	and	CCONJ
cblr-2966	608	66	minority	minority	NOUN
cblr-2966	608	67	applicants	applicant	NOUN
cblr-2966	608	68	.	.	PUNCT
cblr-2966	609	1	"8	"8	NOUN
cblr-2966	609	2	in	in	ADP
cblr-2966	609	3	2006	2006	NUM
cblr-2966	609	4	,	,	PUNCT
cblr-2966	609	5	a	a	DET
cblr-2966	609	6	national	national	ADJ
cblr-2966	609	7	study	study	NOUN
cblr-2966	609	8	determined	determine	VERB
cblr-2966	609	9	that	that	SCONJ
cblr-2966	609	10	when	when	SCONJ
cblr-2966	609	11	a	a	DET
cblr-2966	609	12	law	law	NOUN
cblr-2966	609	13	was	be	AUX
cblr-2966	609	14	average	average	ADJ
cblr-2966	609	15	or	or	CCONJ
cblr-2966	609	16	above	above	ADV
cblr-2966	609	17	average	average	NOUN
cblr-2966	609	18	in	in	ADP
cblr-2966	609	19	its	its	PRON
cblr-2966	609	20	restrictive	restrictive	ADJ
cblr-2966	609	21	effect	effect	NOUN
cblr-2966	609	22	,	,	PUNCT
cblr-2966	609	23	there	there	ADV
cblr-2966	609	24	113	113	NUM
cblr-2966	609	25	see	see	VERB
cblr-2966	609	26	gregory	gregory	PROPN
cblr-2966	609	27	elliehausen	elliehausen	PROPN
cblr-2966	609	28	&	&	CCONJ
cblr-2966	609	29	michael	michael	PROPN
cblr-2966	609	30	e.	e.	PROPN
cblr-2966	609	31	staten	staten	PROPN
cblr-2966	609	32	,	,	PUNCT
cblr-2966	609	33	regulation	regulation	NOUN
cblr-2966	609	34	of	of	ADP
cblr-2966	609	35	subprime	subprime	ADJ
cblr-2966	609	36	mortgage	mortgage	NOUN
cblr-2966	609	37	products	product	NOUN
cblr-2966	609	38	:	:	PUNCT
cblr-2966	609	39	an	an	DET
cblr-2966	609	40	analysis	analysis	NOUN
cblr-2966	609	41	of	of	ADP
cblr-2966	609	42	north	north	PROPN
cblr-2966	609	43	carolina	carolina	PROPN
cblr-2966	609	44	's	's	PART
cblr-2966	609	45	predatory	predatory	ADJ
cblr-2966	609	46	lending	lending	NOUN
cblr-2966	609	47	law	law	NOUN
cblr-2966	609	48	,	,	PUNCT
cblr-2966	609	49	29	29	NUM
cblr-2966	609	50	j.	j.	PROPN
cblr-2966	609	51	real	real	PROPN
cblr-2966	609	52	est	est	X
cblr-2966	609	53	.	.	PUNCT
cblr-2966	610	1	fin	fin	NOUN
cblr-2966	610	2	.	.	PUNCT
cblr-2966	610	3	&	&	CCONJ
cblr-2966	610	4	econ	econ	PROPN
cblr-2966	610	5	.	.	PUNCT
cblr-2966	611	1	411	411	NUM
cblr-2966	611	2	,	,	PUNCT
cblr-2966	611	3	426	426	NUM
cblr-2966	611	4	(	(	PUNCT
cblr-2966	611	5	2004	2004	NUM
cblr-2966	611	6	)	)	PUNCT
cblr-2966	611	7	.	.	PUNCT
cblr-2966	612	1	114	114	NUM
cblr-2966	612	2	see	see	VERB
cblr-2966	612	3	harvey	harvey	NOUN
cblr-2966	612	4	&	&	CCONJ
cblr-2966	612	5	nigro	nigro	PROPN
cblr-2966	612	6	,	,	PUNCT
cblr-2966	612	7	supra	supra	PROPN
cblr-2966	612	8	note	note	NOUN
cblr-2966	612	9	111	111	NUM
cblr-2966	612	10	.	.	PUNCT
cblr-2966	612	11	115	115	NUM
cblr-2966	612	12	see	see	VERB
cblr-2966	612	13	quercia	quercia	PROPN
cblr-2966	612	14	et	et	PROPN
cblr-2966	612	15	al	al	PROPN
cblr-2966	612	16	.	.	PROPN
cblr-2966	612	17	,	,	PUNCT
cblr-2966	612	18	supra	supra	PROPN
cblr-2966	612	19	note	note	PROPN
cblr-2966	612	20	12	12	NUM
cblr-2966	612	21	,	,	PUNCT
cblr-2966	612	22	at	at	ADP
cblr-2966	612	23	593	593	NUM
cblr-2966	612	24	.	.	PUNCT
cblr-2966	613	1	16	16	NUM
cblr-2966	613	2	see	see	VERB
cblr-2966	613	3	harvey	harvey	NOUN
cblr-2966	613	4	&	&	CCONJ
cblr-2966	613	5	nigro	nigro	PROPN
cblr-2966	613	6	,	,	PUNCT
cblr-2966	613	7	supra	supra	PROPN
cblr-2966	613	8	note	note	NOUN
cblr-2966	613	9	16	16	NUM
cblr-2966	613	10	.	.	PUNCT
cblr-2966	614	1	17	17	NUM
cblr-2966	615	1	i	i	PRON
cblr-2966	615	2	d.	d.	PROPN
cblr-2966	615	3	at	at	ADP
cblr-2966	615	4	488	488	NUM
cblr-2966	615	5	-	-	SYM
cblr-2966	615	6	89	89	NUM
cblr-2966	615	7	(	(	PUNCT
cblr-2966	615	8	indicating	indicate	VERB
cblr-2966	615	9	it	it	PRON
cblr-2966	615	10	may	may	AUX
cblr-2966	615	11	have	have	AUX
cblr-2966	615	12	actually	actually	ADV
cblr-2966	615	13	shifted	shift	VERB
cblr-2966	615	14	the	the	DET
cblr-2966	615	15	market	market	NOUN
cblr-2966	615	16	toward	toward	ADP
cblr-2966	615	17	predatory	predatory	ADJ
cblr-2966	615	18	lending	lending	NOUN
cblr-2966	615	19	)	)	PUNCT
cblr-2966	615	20	.	.	PUNCT
cblr-2966	616	1	18	18	NUM
cblr-2966	617	1	i	i	PRON
cblr-2966	617	2	d.	d.	PROPN
cblr-2966	617	3	at	at	ADP
cblr-2966	617	4	489	489	NUM
cblr-2966	617	5	.	.	PUNCT
cblr-2966	618	1	[	[	X
cblr-2966	618	2	vol	vol	NOUN
cblr-2966	618	3	.	.	PUNCT
cblr-2966	618	4	2008	2008	NUM
cblr-2966	619	1	rethinking	rethink	VERB
cblr-2966	619	2	assignee	assignee	NOUN
cblr-2966	619	3	liability	liability	NOUN
cblr-2966	619	4	was	be	AUX
cblr-2966	619	5	a	a	DET
cblr-2966	619	6	significant	significant	ADJ
cblr-2966	619	7	decline	decline	NOUN
cblr-2966	619	8	in	in	ADP
cblr-2966	619	9	subprime	subprime	ADJ
cblr-2966	619	10	originations.119	originations.119	NOUN
cblr-2966	619	11	also	also	ADV
cblr-2966	619	12	in	in	ADP
cblr-2966	619	13	2006	2006	NUM
cblr-2966	619	14	,	,	PUNCT
cblr-2966	619	15	a	a	DET
cblr-2966	619	16	study	study	NOUN
cblr-2966	619	17	using	use	VERB
cblr-2966	619	18	cross	cross	ADJ
cblr-2966	619	19	-	-	ADJ
cblr-2966	619	20	border	border	ADJ
cblr-2966	619	21	comparisons	comparison	NOUN
cblr-2966	619	22	examined	examine	VERB
cblr-2966	619	23	the	the	DET
cblr-2966	619	24	impact	impact	NOUN
cblr-2966	619	25	of	of	ADP
cblr-2966	619	26	subprime	subprime	ADJ
cblr-2966	619	27	laws	law	NOUN
cblr-2966	619	28	using	use	VERB
cblr-2966	619	29	an	an	DET
cblr-2966	619	30	index	index	NOUN
cblr-2966	619	31	to	to	PART
cblr-2966	619	32	account	account	VERB
cblr-2966	619	33	for	for	ADP
cblr-2966	619	34	the	the	DET
cblr-2966	619	35	strength	strength	NOUN
cblr-2966	619	36	of	of	ADP
cblr-2966	619	37	the	the	DET
cblr-2966	619	38	predatory	predatory	NOUN
cblr-2966	619	39	lending	lending	NOUN
cblr-2966	619	40	law.12	law.12	NOUN
cblr-2966	619	41	°	°	ADP
cblr-2966	619	42	the	the	DET
cblr-2966	619	43	authors	author	NOUN
cblr-2966	619	44	found	find	VERB
cblr-2966	619	45	that	that	SCONJ
cblr-2966	619	46	there	there	PRON
cblr-2966	619	47	was	be	VERB
cblr-2966	619	48	a	a	DET
cblr-2966	619	49	small	small	ADJ
cblr-2966	619	50	or	or	CCONJ
cblr-2966	619	51	insignificant	insignificant	ADJ
cblr-2966	619	52	change	change	NOUN
cblr-2966	619	53	in	in	ADP
cblr-2966	619	54	the	the	DET
cblr-2966	619	55	probability	probability	NOUN
cblr-2966	619	56	of	of	ADP
cblr-2966	619	57	applying	apply	VERB
cblr-2966	619	58	for	for	ADP
cblr-2966	619	59	or	or	CCONJ
cblr-2966	619	60	originating	originate	VERB
cblr-2966	619	61	a	a	DET
cblr-2966	619	62	loan	loan	NOUN
cblr-2966	619	63	.	.	PUNCT
cblr-2966	620	1	however	however	ADV
cblr-2966	620	2	,	,	PUNCT
cblr-2966	620	3	there	there	PRON
cblr-2966	620	4	was	be	VERB
cblr-2966	620	5	also	also	ADV
cblr-2966	620	6	a	a	DET
cblr-2966	620	7	large	large	ADJ
cblr-2966	620	8	decrease	decrease	NOUN
cblr-2966	620	9	in	in	ADP
cblr-2966	620	10	the	the	DET
cblr-2966	620	11	probability	probability	NOUN
cblr-2966	620	12	of	of	ADP
cblr-2966	620	13	being	be	AUX
cblr-2966	620	14	rejected	reject	VERB
cblr-2966	620	15	for	for	ADP
cblr-2966	620	16	a	a	DET
cblr-2966	620	17	loan.121	loan.121	NOUN
cblr-2966	620	18	the	the	DET
cblr-2966	620	19	authors	author	NOUN
cblr-2966	620	20	theorized	theorize	VERB
cblr-2966	620	21	that	that	SCONJ
cblr-2966	620	22	while	while	SCONJ
cblr-2966	620	23	enacting	enact	VERB
cblr-2966	620	24	a	a	DET
cblr-2966	620	25	strong	strong	ADJ
cblr-2966	620	26	predatory	predatory	ADJ
cblr-2966	620	27	lending	lending	NOUN
cblr-2966	620	28	law	law	NOUN
cblr-2966	620	29	increases	increase	VERB
cblr-2966	620	30	the	the	DET
cblr-2966	620	31	cost	cost	NOUN
cblr-2966	620	32	of	of	ADP
cblr-2966	620	33	subprime	subprime	ADJ
cblr-2966	620	34	lending	lending	NOUN
cblr-2966	620	35	,	,	PUNCT
cblr-2966	620	36	the	the	DET
cblr-2966	620	37	feeling	feeling	NOUN
cblr-2966	620	38	of	of	ADP
cblr-2966	620	39	security	security	NOUN
cblr-2966	620	40	such	such	DET
cblr-2966	620	41	a	a	DET
cblr-2966	620	42	law	law	NOUN
cblr-2966	620	43	creates	create	VERB
cblr-2966	620	44	draws	draw	VERB
cblr-2966	620	45	less	less	ADV
cblr-2966	620	46	risky	risky	ADJ
cblr-2966	620	47	and	and	CCONJ
cblr-2966	620	48	previously	previously	ADV
cblr-2966	620	49	wary	wary	ADJ
cblr-2966	620	50	consumers	consumer	NOUN
cblr-2966	620	51	to	to	ADP
cblr-2966	620	52	the	the	DET
cblr-2966	620	53	market	market	NOUN
cblr-2966	620	54	,	,	PUNCT
cblr-2966	620	55	causing	cause	VERB
cblr-2966	620	56	conflicting	conflict	VERB
cblr-2966	620	57	effects.122	effects.122	ADV
cblr-2966	620	58	further	far	ADV
cblr-2966	620	59	,	,	PUNCT
cblr-2966	620	60	in	in	ADP
cblr-2966	620	61	2006	2006	NUM
cblr-2966	620	62	,	,	PUNCT
cblr-2966	620	63	one	one	NUM
cblr-2966	620	64	study	study	NOUN
cblr-2966	620	65	found	find	VERB
cblr-2966	620	66	that	that	SCONJ
cblr-2966	620	67	predatory	predatory	NOUN
cblr-2966	620	68	lending	lending	NOUN
cblr-2966	620	69	laws	law	NOUN
cblr-2966	620	70	shifted	shift	VERB
cblr-2966	620	71	subprime	subprime	ADJ
cblr-2966	620	72	lending	lending	NOUN
cblr-2966	620	73	from	from	ADP
cblr-2966	620	74	african	african	ADJ
cblr-2966	620	75	-	-	PUNCT
cblr-2966	620	76	american	american	ADJ
cblr-2966	620	77	neighborhoods	neighborhood	NOUN
cblr-2966	620	78	to	to	ADP
cblr-2966	620	79	slightly	slightly	ADV
cblr-2966	620	80	higher	high	ADJ
cblr-2966	620	81	-	-	PUNCT
cblr-2966	620	82	income	income	NOUN
cblr-2966	620	83	hispanic	hispanic	NOUN
cblr-2966	620	84	neighborhoods.1	neighborhoods.1	NOUN
cblr-2966	620	85	23	23	NUM
cblr-2966	620	86	in	in	ADP
cblr-2966	620	87	a	a	DET
cblr-2966	620	88	2006	2006	NUM
cblr-2966	620	89	study	study	NOUN
cblr-2966	620	90	using	use	VERB
cblr-2966	620	91	proprietary	proprietary	ADJ
cblr-2966	620	92	data	datum	NOUN
cblr-2966	620	93	,	,	PUNCT
cblr-2966	620	94	the	the	DET
cblr-2966	620	95	authors	author	NOUN
cblr-2966	620	96	determined	determine	VERB
cblr-2966	620	97	that	that	SCONJ
cblr-2966	620	98	states	state	NOUN
cblr-2966	620	99	with	with	ADP
cblr-2966	620	100	stronger	strong	ADJ
cblr-2966	620	101	laws	law	NOUN
cblr-2966	620	102	saw	see	VERB
cblr-2966	620	103	loans	loan	NOUN
cblr-2966	620	104	with	with	ADP
cblr-2966	620	105	predatory	predatory	ADJ
cblr-2966	620	106	characteristics	characteristic	NOUN
cblr-2966	620	107	(	(	PUNCT
cblr-2966	620	108	prepayment	prepayment	NOUN
cblr-2966	620	109	penalties	penalty	NOUN
cblr-2966	620	110	,	,	PUNCT
cblr-2966	620	111	balloon	balloon	NOUN
cblr-2966	620	112	payments	payment	NOUN
cblr-2966	620	113	,	,	PUNCT
cblr-2966	620	114	and	and	CCONJ
cblr-2966	620	115	steering	steering	NOUN
cblr-2966	620	116	)	)	PUNCT
cblr-2966	620	117	decrease	decrease	NOUN
cblr-2966	620	118	20%.124	20%.124	INTJ
cblr-2966	620	119	however	however	ADV
cblr-2966	620	120	,	,	PUNCT
cblr-2966	620	121	they	they	PRON
cblr-2966	620	122	found	find	VERB
cblr-2966	620	123	no	no	DET
cblr-2966	620	124	decrease	decrease	NOUN
cblr-2966	620	125	in	in	ADP
cblr-2966	620	126	overall	overall	ADJ
cblr-2966	620	127	subprime	subprime	ADJ
cblr-2966	620	128	volumes	volume	NOUN
cblr-2966	620	129	.	.	PUNCT
cblr-2966	621	1	125	125	NUM
cblr-2966	621	2	finally	finally	ADV
cblr-2966	621	3	,	,	PUNCT
cblr-2966	621	4	in	in	ADP
cblr-2966	621	5	2007	2007	NUM
cblr-2966	621	6	,	,	PUNCT
cblr-2966	621	7	a	a	DET
cblr-2966	621	8	study	study	NOUN
cblr-2966	621	9	analyzing	analyze	VERB
cblr-2966	621	10	data	datum	NOUN
cblr-2966	621	11	from	from	ADP
cblr-2966	621	12	forty	forty	NUM
cblr-2966	621	13	-	-	PUNCT
cblr-2966	621	14	one	one	NUM
cblr-2966	621	15	states	state	NOUN
cblr-2966	621	16	with	with	ADP
cblr-2966	621	17	predatory	predatory	ADJ
cblr-2966	621	18	lending	lending	NOUN
cblr-2966	621	19	laws	law	NOUN
cblr-2966	621	20	was	be	AUX
cblr-2966	621	21	the	the	DET
cblr-2966	621	22	first	first	ADJ
cblr-2966	621	23	to	to	PART
cblr-2966	621	24	analyze	analyze	VERB
cblr-2966	621	25	the	the	DET
cblr-2966	621	26	impact	impact	NOUN
cblr-2966	621	27	of	of	ADP
cblr-2966	621	28	assignee	assignee	NOUN
cblr-2966	621	29	liability.126	liability.126	NOUN
cblr-2966	621	30	this	this	DET
cblr-2966	621	31	study	study	NOUN
cblr-2966	621	32	formulated	formulate	VERB
cblr-2966	621	33	an	an	DET
cblr-2966	621	34	index	index	NOUN
cblr-2966	621	35	of	of	ADP
cblr-2966	621	36	the	the	DET
cblr-2966	621	37	strength	strength	NOUN
cblr-2966	621	38	of	of	ADP
cblr-2966	621	39	various	various	ADJ
cblr-2966	621	40	legal	legal	ADJ
cblr-2966	621	41	provisions	provision	NOUN
cblr-2966	621	42	,	,	PUNCT
cblr-2966	621	43	including	include	VERB
cblr-2966	621	44	an	an	DET
cblr-2966	621	45	enforcement	enforcement	NOUN
cblr-2966	621	46	factor	factor	NOUN
cblr-2966	621	47	for	for	ADP
cblr-2966	621	48	methods	method	NOUN
cblr-2966	621	49	like	like	ADP
cblr-2966	621	50	assignee	assignee	NOUN
cblr-2966	621	51	liability	liability	NOUN
cblr-2966	621	52	.	.	PUNCT
cblr-2966	622	1	27	27	NUM
cblr-2966	622	2	the	the	DET
cblr-2966	622	3	119	119	NUM
cblr-2966	622	4	see	see	VERB
cblr-2966	622	5	elliehausen	elliehausen	PROPN
cblr-2966	622	6	&	&	CCONJ
cblr-2966	622	7	staten	staten	PROPN
cblr-2966	622	8	,	,	PUNCT
cblr-2966	622	9	supra	supra	PROPN
cblr-2966	622	10	note	note	PROPN
cblr-2966	622	11	113	113	NUM
cblr-2966	622	12	,	,	PUNCT
cblr-2966	622	13	at	at	ADP
cblr-2966	622	14	16	16	NUM
cblr-2966	622	15	.	.	PUNCT
cblr-2966	623	1	120	120	NUM
cblr-2966	623	2	see	see	VERB
cblr-2966	623	3	ho	ho	PROPN
cblr-2966	623	4	&	&	CCONJ
cblr-2966	623	5	pennington	pennington	PROPN
cblr-2966	623	6	-	-	PUNCT
cblr-2966	623	7	cross	cross	PROPN
cblr-2966	623	8	,	,	PUNCT
cblr-2966	623	9	supra	supra	ADJ
cblr-2966	623	10	note	note	NOUN
cblr-2966	623	11	14	14	NUM
cblr-2966	623	12	.	.	NUM
cblr-2966	623	13	121	121	NUM
cblr-2966	624	1	i	i	PRON
cblr-2966	624	2	d.	d.	NOUN
cblr-2966	624	3	at	at	ADP
cblr-2966	624	4	223	223	NUM
cblr-2966	624	5	.	.	PUNCT
cblr-2966	625	1	122	122	NUM
cblr-2966	626	1	i	i	PRON
cblr-2966	626	2	d.	d.	PROPN
cblr-2966	626	3	at	at	ADP
cblr-2966	626	4	212	212	NUM
cblr-2966	626	5	;	;	PUNCT
cblr-2966	626	6	see	see	VERB
cblr-2966	626	7	generally	generally	ADV
cblr-2966	626	8	george	george	PROPN
cblr-2966	626	9	a.	a.	NOUN
cblr-2966	626	10	akerlof	akerlof	NOUN
cblr-2966	626	11	,	,	PUNCT
cblr-2966	626	12	the	the	DET
cblr-2966	626	13	market	market	NOUN
cblr-2966	626	14	for	for	ADP
cblr-2966	626	15	"	"	PUNCT
cblr-2966	626	16	lemons	lemon	NOUN
cblr-2966	626	17	"	"	PUNCT
cblr-2966	626	18	:	:	PUNCT
cblr-2966	626	19	quality	quality	NOUN
cblr-2966	626	20	uncertainty	uncertainty	NOUN
cblr-2966	626	21	and	and	CCONJ
cblr-2966	626	22	the	the	DET
cblr-2966	626	23	market	market	NOUN
cblr-2966	626	24	mechanism	mechanism	NOUN
cblr-2966	626	25	,	,	PUNCT
cblr-2966	626	26	84	84	NUM
cblr-2966	626	27	q.	q.	PROPN
cblr-2966	626	28	j.	j.	PROPN
cblr-2966	626	29	econ	econ	PROPN
cblr-2966	626	30	.	.	PUNCT
cblr-2966	627	1	488	488	NUM
cblr-2966	627	2	(	(	PUNCT
cblr-2966	627	3	1970	1970	NUM
cblr-2966	627	4	)	)	PUNCT
cblr-2966	627	5	.	.	PUNCT
cblr-2966	628	1	121	121	NUM
cblr-2966	628	2	see	see	VERB
cblr-2966	628	3	wachter	wachter	NOUN
cblr-2966	628	4	et	et	PROPN
cblr-2966	628	5	al	al	PROPN
cblr-2966	628	6	.	.	PROPN
cblr-2966	628	7	,	,	PUNCT
cblr-2966	628	8	supra	supra	PROPN
cblr-2966	628	9	note	note	NOUN
cblr-2966	628	10	111	111	NUM
cblr-2966	628	11	.	.	PUNCT
cblr-2966	629	1	this	this	DET
cblr-2966	629	2	study	study	NOUN
cblr-2966	629	3	introduces	introduce	VERB
cblr-2966	629	4	the	the	DET
cblr-2966	629	5	idea	idea	NOUN
cblr-2966	629	6	that	that	SCONJ
cblr-2966	629	7	predatory	predatory	NOUN
cblr-2966	629	8	lenders	lender	NOUN
cblr-2966	629	9	are	be	AUX
cblr-2966	629	10	very	very	ADV
cblr-2966	629	11	adept	adept	ADJ
cblr-2966	629	12	at	at	ADP
cblr-2966	629	13	shifting	shift	VERB
cblr-2966	629	14	practices	practice	NOUN
cblr-2966	629	15	to	to	PART
cblr-2966	629	16	avoid	avoid	VERB
cblr-2966	629	17	law	law	NOUN
cblr-2966	629	18	coverage	coverage	NOUN
cblr-2966	629	19	.	.	PUNCT
cblr-2966	630	1	124	124	NUM
cblr-2966	630	2	see	see	VERB
cblr-2966	630	3	wei	wei	PROPN
cblr-2966	630	4	li	li	PROPN
cblr-2966	630	5	&	&	CCONJ
cblr-2966	630	6	keith	keith	PROPN
cblr-2966	630	7	s.	s.	PROPN
cblr-2966	630	8	ernst	ernst	PROPN
cblr-2966	630	9	,	,	PUNCT
cblr-2966	630	10	ctr	ctr	PROPN
cblr-2966	630	11	.	.	PUNCT
cblr-2966	631	1	for	for	ADP
cblr-2966	631	2	responsible	responsible	ADJ
cblr-2966	631	3	lending	lending	NOUN
cblr-2966	631	4	,	,	PUNCT
cblr-2966	631	5	the	the	DET
cblr-2966	631	6	best	good	ADJ
cblr-2966	631	7	value	value	NOUN
cblr-2966	631	8	in	in	ADP
cblr-2966	631	9	the	the	DET
cblr-2966	631	10	subprime	subprime	ADJ
cblr-2966	631	11	market	market	NOUN
cblr-2966	631	12	11	11	NUM
cblr-2966	631	13	(	(	PUNCT
cblr-2966	631	14	2006	2006	NUM
cblr-2966	631	15	)	)	PUNCT
cblr-2966	631	16	,	,	PUNCT
cblr-2966	631	17	http://www.responsible	http://www.responsible	PROPN
cblr-2966	631	18	lending.org	lending.org	X
cblr-2966	631	19	/pdfs	/pdfs	NOUN
cblr-2966	631	20	/	/	SYM
cblr-2966	631	21	rrolo	rrolo	NOUN
cblr-2966	631	22	-	-	PUNCT
cblr-2966	631	23	stateeffects-0206.pdf	stateeffects-0206.pdf	NOUN
cblr-2966	631	24	.	.	PUNCT
cblr-2966	632	1	125	125	NUM
cblr-2966	632	2	i	i	PRON
cblr-2966	632	3	d.	d.	PROPN
cblr-2966	632	4	at	at	ADP
cblr-2966	632	5	13	13	NUM
cblr-2966	632	6	.	.	PUNCT
cblr-2966	633	1	126	126	NUM
cblr-2966	633	2	see	see	VERB
cblr-2966	633	3	bostic	bostic	PROPN
cblr-2966	633	4	et	et	PROPN
cblr-2966	633	5	al	al	PROPN
cblr-2966	633	6	.	.	PROPN
cblr-2966	633	7	,	,	PUNCT
cblr-2966	633	8	supra	supra	PROPN
cblr-2966	633	9	note	note	VERB
cblr-2966	633	10	7	7	NUM
cblr-2966	633	11	.	.	NOUN
cblr-2966	633	12	127	127	NUM
cblr-2966	634	1	i	i	PRON
cblr-2966	634	2	d.	d.	PROPN
cblr-2966	634	3	no	no	INTJ
cblr-2966	634	4	.	.	PUNCT
cblr-2966	635	1	3:1021	3:1021	NUM
cblr-2966	635	2	]	]	PUNCT
cblr-2966	636	1	authors	author	NOUN
cblr-2966	636	2	found	find	VERB
cblr-2966	636	3	that	that	SCONJ
cblr-2966	636	4	the	the	DET
cblr-2966	636	5	presence	presence	NOUN
cblr-2966	636	6	of	of	ADP
cblr-2966	636	7	a	a	DET
cblr-2966	636	8	predatory	predatory	ADJ
cblr-2966	636	9	lending	lending	NOUN
cblr-2966	636	10	law	law	NOUN
cblr-2966	636	11	has	have	VERB
cblr-2966	636	12	little	little	ADJ
cblr-2966	636	13	impact	impact	NOUN
cblr-2966	636	14	on	on	ADP
cblr-2966	636	15	applications	application	NOUN
cblr-2966	636	16	,	,	PUNCT
cblr-2966	636	17	originations	origination	NOUN
cblr-2966	636	18	,	,	PUNCT
cblr-2966	636	19	or	or	CCONJ
cblr-2966	636	20	rejections	rejection	NOUN
cblr-2966	636	21	.	.	PUNCT
cblr-2966	637	1	however	however	ADV
cblr-2966	637	2	,	,	PUNCT
cblr-2966	637	3	the	the	DET
cblr-2966	637	4	presence	presence	NOUN
cblr-2966	637	5	of	of	ADP
cblr-2966	637	6	more	more	ADV
cblr-2966	637	7	restrictive	restrictive	ADJ
cblr-2966	637	8	laws	law	NOUN
cblr-2966	637	9	reduces	reduce	VERB
cblr-2966	637	10	originations	origination	NOUN
cblr-2966	637	11	and	and	CCONJ
cblr-2966	637	12	increases	increase	VERB
cblr-2966	637	13	rejections	rejection	NOUN
cblr-2966	637	14	.	.	PUNCT
cblr-2966	638	1	they	they	PRON
cblr-2966	638	2	determined	determine	VERB
cblr-2966	638	3	that	that	SCONJ
cblr-2966	638	4	variation	variation	NOUN
cblr-2966	638	5	in	in	ADP
cblr-2966	638	6	enforcement	enforcement	NOUN
cblr-2966	638	7	mechanisms	mechanism	NOUN
cblr-2966	638	8	(	(	PUNCT
cblr-2966	638	9	including	include	VERB
cblr-2966	638	10	the	the	DET
cblr-2966	638	11	use	use	NOUN
cblr-2966	638	12	of	of	ADP
cblr-2966	638	13	assignee	assignee	NOUN
cblr-2966	638	14	liability	liability	NOUN
cblr-2966	638	15	)	)	PUNCT
cblr-2966	638	16	has	have	VERB
cblr-2966	638	17	no	no	DET
cblr-2966	638	18	effect	effect	NOUN
cblr-2966	638	19	on	on	ADP
cblr-2966	638	20	originations	origination	NOUN
cblr-2966	638	21	or	or	CCONJ
cblr-2966	638	22	applications	application	NOUN
cblr-2966	638	23	,	,	PUNCT
cblr-2966	638	24	but	but	CCONJ
cblr-2966	638	25	does	do	AUX
cblr-2966	638	26	marginally	marginally	ADV
cblr-2966	638	27	increase	increase	VERB
cblr-2966	638	28	rejection	rejection	NOUN
cblr-2966	638	29	rates.12	rates.12	PROPN
cblr-2966	638	30	c.	c.	NOUN
cblr-2966	638	31	contributions	contribution	NOUN
cblr-2966	638	32	to	to	ADP
cblr-2966	638	33	the	the	DET
cblr-2966	638	34	empirical	empirical	ADJ
cblr-2966	638	35	study	study	NOUN
cblr-2966	638	36	this	this	DET
cblr-2966	638	37	note	note	NOUN
cblr-2966	638	38	utilizes	utilize	VERB
cblr-2966	638	39	four	four	NUM
cblr-2966	638	40	novel	novel	ADJ
cblr-2966	638	41	approaches	approach	NOUN
cblr-2966	638	42	in	in	ADP
cblr-2966	638	43	an	an	DET
cblr-2966	638	44	attempt	attempt	NOUN
cblr-2966	638	45	to	to	PART
cblr-2966	638	46	address	address	VERB
cblr-2966	638	47	many	many	ADJ
cblr-2966	638	48	of	of	ADP
cblr-2966	638	49	the	the	DET
cblr-2966	638	50	problems	problem	NOUN
cblr-2966	638	51	facing	face	VERB
cblr-2966	638	52	subprime	subprime	ADJ
cblr-2966	638	53	mortgage	mortgage	NOUN
cblr-2966	638	54	research	research	NOUN
cblr-2966	638	55	.	.	PUNCT
cblr-2966	639	1	first	first	ADV
cblr-2966	639	2	,	,	PUNCT
cblr-2966	639	3	this	this	DET
cblr-2966	639	4	note	note	NOUN
cblr-2966	639	5	utilizes	utilize	VERB
cblr-2966	639	6	propensity	propensity	NOUN
cblr-2966	639	7	score	score	NOUN
cblr-2966	639	8	matching	match	VERB
cblr-2966	639	9	to	to	PART
cblr-2966	639	10	prove	prove	VERB
cblr-2966	639	11	,	,	PUNCT
cblr-2966	639	12	rather	rather	ADV
cblr-2966	639	13	than	than	ADP
cblr-2966	639	14	assume	assume	VERB
cblr-2966	639	15	,	,	PUNCT
cblr-2966	639	16	identical	identical	ADJ
cblr-2966	639	17	regions	region	NOUN
cblr-2966	639	18	are	be	AUX
cblr-2966	639	19	in	in	ADP
cblr-2966	639	20	the	the	DET
cblr-2966	639	21	treatment	treatment	NOUN
cblr-2966	639	22	and	and	CCONJ
cblr-2966	639	23	non	non	ADJ
cblr-2966	639	24	-	-	ADJ
cblr-2966	639	25	treatment	treatment	ADJ
cblr-2966	639	26	conditions	condition	NOUN
cblr-2966	639	27	.	.	PUNCT
cblr-2966	640	1	second	second	ADJ
cblr-2966	640	2	,	,	PUNCT
cblr-2966	640	3	this	this	DET
cblr-2966	640	4	note	note	NOUN
cblr-2966	640	5	uses	use	VERB
cblr-2966	640	6	the	the	DET
cblr-2966	640	7	new	new	ADJ
cblr-2966	640	8	hmda	hmda	ADJ
cblr-2966	640	9	identifier	identifier	NOUN
cblr-2966	640	10	for	for	ADP
cblr-2966	640	11	subprime	subprime	ADJ
cblr-2966	640	12	loans	loan	NOUN
cblr-2966	640	13	to	to	PART
cblr-2966	640	14	create	create	VERB
cblr-2966	640	15	a	a	DET
cblr-2966	640	16	more	more	ADV
cblr-2966	640	17	accurate	accurate	ADJ
cblr-2966	640	18	picture	picture	NOUN
cblr-2966	640	19	of	of	ADP
cblr-2966	640	20	the	the	DET
cblr-2966	640	21	market	market	NOUN
cblr-2966	640	22	.	.	PUNCT
cblr-2966	641	1	third	third	ADV
cblr-2966	641	2	,	,	PUNCT
cblr-2966	641	3	this	this	DET
cblr-2966	641	4	note	note	NOUN
cblr-2966	641	5	uses	use	VERB
cblr-2966	641	6	a	a	DET
cblr-2966	641	7	field	field	NOUN
cblr-2966	641	8	published	publish	VERB
cblr-2966	641	9	index	index	NOUN
cblr-2966	641	10	of	of	ADP
cblr-2966	641	11	subprime	subprime	ADJ
cblr-2966	641	12	regulatory	regulatory	ADJ
cblr-2966	641	13	severity	severity	NOUN
cblr-2966	641	14	in	in	ADP
cblr-2966	641	15	order	order	NOUN
cblr-2966	641	16	to	to	PART
cblr-2966	641	17	assess	assess	VERB
cblr-2966	641	18	,	,	PUNCT
cblr-2966	641	19	from	from	ADP
cblr-2966	641	20	the	the	DET
cblr-2966	641	21	industry	industry	NOUN
cblr-2966	641	22	's	's	PART
cblr-2966	641	23	standpoint	standpoint	NOUN
cblr-2966	641	24	,	,	PUNCT
cblr-2966	641	25	the	the	DET
cblr-2966	641	26	difference	difference	NOUN
cblr-2966	641	27	between	between	ADP
cblr-2966	641	28	regulatory	regulatory	ADJ
cblr-2966	641	29	provisions	provision	NOUN
cblr-2966	641	30	.	.	PUNCT
cblr-2966	642	1	fourth	fourth	ADJ
cblr-2966	642	2	,	,	PUNCT
cblr-2966	642	3	this	this	DET
cblr-2966	642	4	note	note	NOUN
cblr-2966	642	5	includes	include	VERB
cblr-2966	642	6	a	a	DET
cblr-2966	642	7	state	state	NOUN
cblr-2966	642	8	-	-	PUNCT
cblr-2966	642	9	specific	specific	ADJ
cblr-2966	642	10	focus	focus	NOUN
cblr-2966	642	11	to	to	AUX
cblr-2966	642	12	more	more	ADV
cblr-2966	642	13	directly	directly	ADV
cblr-2966	642	14	study	study	VERB
cblr-2966	642	15	certain	certain	ADJ
cblr-2966	642	16	impacts	impact	NOUN
cblr-2966	642	17	of	of	ADP
cblr-2966	642	18	regulatory	regulatory	ADJ
cblr-2966	642	19	solutions	solution	NOUN
cblr-2966	642	20	.	.	PUNCT
cblr-2966	643	1	all	all	PRON
cblr-2966	643	2	of	of	ADP
cblr-2966	643	3	these	these	DET
cblr-2966	643	4	innovations	innovation	NOUN
cblr-2966	643	5	offer	offer	VERB
cblr-2966	643	6	grounds	ground	NOUN
cblr-2966	643	7	for	for	ADP
cblr-2966	643	8	a	a	DET
cblr-2966	643	9	new	new	ADJ
cblr-2966	643	10	approach	approach	NOUN
cblr-2966	643	11	to	to	ADP
cblr-2966	643	12	the	the	DET
cblr-2966	643	13	study	study	NOUN
cblr-2966	643	14	of	of	ADP
cblr-2966	643	15	subprime	subprime	ADJ
cblr-2966	643	16	regulation	regulation	NOUN
cblr-2966	643	17	.	.	PUNCT
cblr-2966	644	1	1	1	X
cblr-2966	644	2	.	.	X
cblr-2966	644	3	propensity	propensity	NOUN
cblr-2966	644	4	score	score	NOUN
cblr-2966	644	5	matching	match	VERB
cblr-2966	644	6	first	first	ADV
cblr-2966	644	7	,	,	PUNCT
cblr-2966	644	8	unlike	unlike	ADP
cblr-2966	644	9	the	the	DET
cblr-2966	644	10	cross	cross	ADJ
cblr-2966	644	11	-	-	ADJ
cblr-2966	644	12	border	border	ADJ
cblr-2966	644	13	approach	approach	NOUN
cblr-2966	644	14	,	,	PUNCT
cblr-2966	644	15	or	or	CCONJ
cblr-2966	644	16	event	event	NOUN
cblr-2966	644	17	approach	approach	NOUN
cblr-2966	644	18	,	,	PUNCT
cblr-2966	644	19	used	use	VERB
cblr-2966	644	20	by	by	ADP
cblr-2966	644	21	many	many	ADJ
cblr-2966	644	22	other	other	ADJ
cblr-2966	644	23	studies	study	NOUN
cblr-2966	644	24	,	,	PUNCT
cblr-2966	644	25	this	this	DET
cblr-2966	644	26	note	note	NOUN
cblr-2966	644	27	uses	use	VERB
cblr-2966	644	28	a	a	DET
cblr-2966	644	29	propensity	propensity	NOUN
cblr-2966	644	30	score	score	NOUN
cblr-2966	644	31	matching	matching	NOUN
cblr-2966	644	32	method	method	NOUN
cblr-2966	644	33	to	to	PART
cblr-2966	644	34	compare	compare	VERB
cblr-2966	644	35	a	a	DET
cblr-2966	644	36	broader	broad	ADJ
cblr-2966	644	37	sample	sample	NOUN
cblr-2966	644	38	.	.	PUNCT
cblr-2966	645	1	'29	'29	NUM
cblr-2966	645	2	selection	selection	NOUN
cblr-2966	645	3	bias	bias	NOUN
cblr-2966	645	4	and	and	CCONJ
cblr-2966	645	5	omitted	omit	VERB
cblr-2966	645	6	variables	variable	NOUN
cblr-2966	645	7	are	be	AUX
cblr-2966	645	8	serious	serious	ADJ
cblr-2966	645	9	128	128	NUM
cblr-2966	646	1	i	i	NOUN
cblr-2966	646	2	d.	d.	PROPN
cblr-2966	646	3	129	129	NUM
cblr-2966	646	4	the	the	DET
cblr-2966	646	5	cross	cross	ADJ
cblr-2966	646	6	-	-	ADJ
cblr-2966	646	7	border	border	ADJ
cblr-2966	646	8	approach	approach	NOUN
cblr-2966	646	9	uses	use	VERB
cblr-2966	646	10	regions	region	NOUN
cblr-2966	646	11	on	on	ADP
cblr-2966	646	12	either	either	DET
cblr-2966	646	13	side	side	NOUN
cblr-2966	646	14	of	of	ADP
cblr-2966	646	15	a	a	DET
cblr-2966	646	16	state	state	NOUN
cblr-2966	646	17	border	border	NOUN
cblr-2966	646	18	as	as	ADP
cblr-2966	646	19	a	a	DET
cblr-2966	646	20	proxy	proxy	NOUN
cblr-2966	646	21	for	for	ADP
cblr-2966	646	22	a	a	DET
cblr-2966	646	23	single	single	ADJ
cblr-2966	646	24	economic	economic	ADJ
cblr-2966	646	25	region	region	NOUN
cblr-2966	646	26	,	,	PUNCT
cblr-2966	646	27	in	in	ADP
cblr-2966	646	28	which	which	PRON
cblr-2966	646	29	the	the	DET
cblr-2966	646	30	only	only	ADJ
cblr-2966	646	31	difference	difference	NOUN
cblr-2966	646	32	is	be	AUX
cblr-2966	646	33	the	the	DET
cblr-2966	646	34	predatory	predatory	ADJ
cblr-2966	646	35	lending	lending	NOUN
cblr-2966	646	36	law	law	NOUN
cblr-2966	646	37	.	.	PUNCT
cblr-2966	647	1	a	a	DET
cblr-2966	647	2	time	time	NOUN
cblr-2966	647	3	series	series	NOUN
cblr-2966	647	4	approach	approach	NOUN
cblr-2966	647	5	looks	look	VERB
cblr-2966	647	6	at	at	ADP
cblr-2966	647	7	the	the	DET
cblr-2966	647	8	same	same	ADJ
cblr-2966	647	9	region	region	NOUN
cblr-2966	647	10	both	both	CCONJ
cblr-2966	647	11	before	before	ADP
cblr-2966	647	12	and	and	CCONJ
cblr-2966	647	13	after	after	ADP
cblr-2966	647	14	the	the	DET
cblr-2966	647	15	passage	passage	NOUN
cblr-2966	647	16	of	of	ADP
cblr-2966	647	17	a	a	DET
cblr-2966	647	18	law	law	NOUN
cblr-2966	647	19	,	,	PUNCT
cblr-2966	647	20	assuming	assume	VERB
cblr-2966	647	21	the	the	DET
cblr-2966	647	22	only	only	ADJ
cblr-2966	647	23	difference	difference	NOUN
cblr-2966	647	24	is	be	AUX
cblr-2966	647	25	the	the	DET
cblr-2966	647	26	enactment	enactment	NOUN
cblr-2966	647	27	of	of	ADP
cblr-2966	647	28	the	the	DET
cblr-2966	647	29	law	law	NOUN
cblr-2966	647	30	.	.	PUNCT
cblr-2966	648	1	see	see	VERB
cblr-2966	648	2	,	,	PUNCT
cblr-2966	648	3	e.g.	e.g.	ADV
cblr-2966	648	4	,	,	PUNCT
cblr-2966	648	5	gregory	gregory	PROPN
cblr-2966	648	6	elliehausen	elliehausen	PROPN
cblr-2966	648	7	et	et	PROPN
cblr-2966	648	8	al	al	PROPN
cblr-2966	648	9	.	.	PROPN
cblr-2966	648	10	,	,	PUNCT
cblr-2966	648	11	credit	credit	NOUN
cblr-2966	648	12	research	research	PROPN
cblr-2966	648	13	ctr	ctr	PROPN
cblr-2966	648	14	.	.	PROPN
cblr-2966	648	15	,	,	PUNCT
cblr-2966	648	16	mcdonough	mcdonough	PROPN
cblr-2966	648	17	sch	sch	PROPN
cblr-2966	648	18	.	.	PROPN
cblr-2966	648	19	of	of	ADP
cblr-2966	648	20	bus	bus	NOUN
cblr-2966	648	21	.	.	PUNCT
cblr-2966	648	22	,	,	PUNCT
cblr-2966	648	23	georgetown	georgetown	PROPN
cblr-2966	648	24	univ	univ	PROPN
cblr-2966	648	25	.	.	PROPN
cblr-2966	648	26	,	,	PUNCT
cblr-2966	648	27	the	the	DET
cblr-2966	648	28	effects	effect	NOUN
cblr-2966	648	29	of	of	ADP
cblr-2966	648	30	state	state	NOUN
cblr-2966	648	31	predatory	predatory	NOUN
cblr-2966	648	32	lending	lending	NOUN
cblr-2966	648	33	laws	law	NOUN
cblr-2966	648	34	on	on	ADP
cblr-2966	648	35	the	the	DET
cblr-2966	648	36	availability	availability	NOUN
cblr-2966	648	37	of	of	ADP
cblr-2966	648	38	subprime	subprime	ADJ
cblr-2966	648	39	mortgage	mortgage	NOUN
cblr-2966	648	40	credit	credit	NOUN
cblr-2966	648	41	(	(	PUNCT
cblr-2966	648	42	2006	2006	NUM
cblr-2966	648	43	)	)	PUNCT
cblr-2966	648	44	,	,	PUNCT
cblr-2966	648	45	http://www.business	http://www.business	PROPN
cblr-2966	648	46	.	.	PUNCT
cblr-2966	649	1	gwu.edu/research/centers/fsrp/pdf/m38.pdf	gwu.edu/research/centers/fsrp/pdf/m38.pdf	PROPN
cblr-2966	649	2	.	.	PUNCT
cblr-2966	650	1	see	see	VERB
cblr-2966	650	2	also	also	ADV
cblr-2966	650	3	bostic	bostic	PROPN
cblr-2966	650	4	et	et	PROPN
cblr-2966	650	5	al	al	PROPN
cblr-2966	650	6	.	.	PROPN
cblr-2966	650	7	,	,	PUNCT
cblr-2966	650	8	supra	supra	PROPN
cblr-2966	650	9	note	note	PROPN
cblr-2966	650	10	7	7	NUM
cblr-2966	650	11	;	;	PUNCT
cblr-2966	650	12	ho	ho	PROPN
cblr-2966	650	13	&	&	CCONJ
cblr-2966	650	14	pennington	pennington	PROPN
cblr-2966	650	15	-	-	PUNCT
cblr-2966	650	16	cross	cross	PROPN
cblr-2966	650	17	,	,	PUNCT
cblr-2966	650	18	supra	supra	ADJ
cblr-2966	650	19	note	note	NOUN
cblr-2966	650	20	14	14	NUM
cblr-2966	650	21	.	.	PUNCT
cblr-2966	651	1	col	col	PROPN
cblr-2966	651	2	umbia	umbia	PROPN
cblr-2966	651	3	b	b	PROPN
cblr-2966	651	4	usiness	usiness	PROPN
cblr-2966	651	5	la	la	PROPN
cblr-2966	651	6	w	w	PROPN
cblr-2966	651	7	re	re	PROPN
cblr-2966	651	8	vie	vie	PROPN
cblr-2966	651	9	w	w	PROPN
cblr-2966	652	1	[	[	X
cblr-2966	652	2	vol	vol	NOUN
cblr-2966	652	3	.	.	NOUN
cblr-2966	652	4	2008	2008	NUM
cblr-2966	652	5	rethinking	rethink	VERB
cblr-2966	652	6	assignee	assignee	NOUN
cblr-2966	652	7	liability	liability	NOUN
cblr-2966	652	8	problems	problem	NOUN
cblr-2966	652	9	in	in	ADP
cblr-2966	652	10	any	any	DET
cblr-2966	652	11	empirical	empirical	ADJ
cblr-2966	652	12	analysis.13	analysis.13	NOUN
cblr-2966	652	13	°	°	PUNCT
cblr-2966	652	14	this	this	DET
cblr-2966	652	15	note	note	NOUN
cblr-2966	652	16	suggests	suggest	VERB
cblr-2966	652	17	propensity	propensity	NOUN
cblr-2966	652	18	score	score	NOUN
cblr-2966	652	19	matching	matching	NOUN
cblr-2966	652	20	may	may	AUX
cblr-2966	652	21	remove	remove	VERB
cblr-2966	652	22	selection	selection	NOUN
cblr-2966	652	23	problems	problem	NOUN
cblr-2966	652	24	,	,	PUNCT
cblr-2966	652	25	without	without	ADP
cblr-2966	652	26	sacrificing	sacrifice	VERB
cblr-2966	652	27	flexibility	flexibility	NOUN
cblr-2966	652	28	of	of	ADP
cblr-2966	652	29	analysis	analysis	NOUN
cblr-2966	652	30	.	.	PUNCT
cblr-2966	653	1	"	"	PUNCT
cblr-2966	653	2	'	'	PUNCT
cblr-2966	653	3	propensity	propensity	NOUN
cblr-2966	653	4	score	score	NOUN
cblr-2966	653	5	matching	matching	NOUN
cblr-2966	653	6	was	be	AUX
cblr-2966	653	7	first	first	ADV
cblr-2966	653	8	developed	develop	VERB
cblr-2966	653	9	by	by	ADP
cblr-2966	653	10	h.w	h.w	PROPN
cblr-2966	653	11	.	.	PUNCT
cblr-2966	654	1	rubin	rubin	PROPN
cblr-2966	654	2	in	in	ADP
cblr-2966	654	3	the	the	DET
cblr-2966	654	4	1970s.132	1970s.132	NUM
cblr-2966	654	5	it	it	PRON
cblr-2966	654	6	provides	provide	VERB
cblr-2966	654	7	a	a	DET
cblr-2966	654	8	method	method	NOUN
cblr-2966	654	9	for	for	ADP
cblr-2966	654	10	controlling	control	VERB
cblr-2966	654	11	selection	selection	NOUN
cblr-2966	654	12	bias	bias	NOUN
cblr-2966	654	13	in	in	ADP
cblr-2966	654	14	studies	study	NOUN
cblr-2966	654	15	.	.	PUNCT
cblr-2966	655	1	33	33	NUM
cblr-2966	655	2	selection	selection	NOUN
cblr-2966	655	3	bias	bias	NOUN
cblr-2966	655	4	occurs	occur	VERB
cblr-2966	655	5	in	in	ADP
cblr-2966	655	6	many	many	ADJ
cblr-2966	655	7	forms	form	NOUN
cblr-2966	655	8	,	,	PUNCT
cblr-2966	655	9	but	but	CCONJ
cblr-2966	655	10	in	in	ADP
cblr-2966	655	11	studies	study	NOUN
cblr-2966	655	12	such	such	ADJ
cblr-2966	655	13	as	as	ADP
cblr-2966	655	14	this	this	PRON
cblr-2966	655	15	,	,	PUNCT
cblr-2966	655	16	the	the	DET
cblr-2966	655	17	biggest	big	ADJ
cblr-2966	655	18	danger	danger	NOUN
cblr-2966	655	19	is	be	AUX
cblr-2966	655	20	that	that	SCONJ
cblr-2966	655	21	comparison	comparison	NOUN
cblr-2966	655	22	groups	group	NOUN
cblr-2966	655	23	differ	differ	VERB
cblr-2966	655	24	along	along	ADP
cblr-2966	655	25	an	an	DET
cblr-2966	655	26	unobserved	unobserved	ADJ
cblr-2966	655	27	characteristic	characteristic	NOUN
cblr-2966	655	28	.	.	PUNCT
cblr-2966	656	1	that	that	DET
cblr-2966	656	2	difference	difference	NOUN
cblr-2966	656	3	makes	make	VERB
cblr-2966	656	4	the	the	DET
cblr-2966	656	5	delineation	delineation	NOUN
cblr-2966	656	6	between	between	ADP
cblr-2966	656	7	treatment	treatment	NOUN
cblr-2966	656	8	and	and	CCONJ
cblr-2966	656	9	non	non	ADJ
cblr-2966	656	10	-	-	ADJ
cblr-2966	656	11	treatment	treatment	ADJ
cblr-2966	656	12	non	non	ADJ
cblr-2966	656	13	-	-	ADJ
cblr-2966	656	14	random	random	ADJ
cblr-2966	656	15	.	.	PUNCT
cblr-2966	657	1	34	34	NUM
cblr-2966	657	2	for	for	ADP
cblr-2966	657	3	example	example	NOUN
cblr-2966	657	4	,	,	PUNCT
cblr-2966	657	5	whether	whether	SCONJ
cblr-2966	657	6	a	a	DET
cblr-2966	657	7	state	state	NOUN
cblr-2966	657	8	decides	decide	VERB
cblr-2966	657	9	to	to	PART
cblr-2966	657	10	enact	enact	VERB
cblr-2966	657	11	a	a	DET
cblr-2966	657	12	subprime	subprime	ADJ
cblr-2966	657	13	lending	lending	NOUN
cblr-2966	657	14	law	law	NOUN
cblr-2966	657	15	may	may	AUX
cblr-2966	657	16	have	have	VERB
cblr-2966	657	17	much	much	ADJ
cblr-2966	657	18	to	to	PART
cblr-2966	657	19	do	do	VERB
cblr-2966	657	20	with	with	ADP
cblr-2966	657	21	the	the	DET
cblr-2966	657	22	economic	economic	ADJ
cblr-2966	657	23	conditions	condition	NOUN
cblr-2966	657	24	of	of	ADP
cblr-2966	657	25	subprime	subprime	ADJ
cblr-2966	657	26	lending	lending	NOUN
cblr-2966	657	27	in	in	ADP
cblr-2966	657	28	the	the	DET
cblr-2966	657	29	state	state	NOUN
cblr-2966	657	30	itself	itself	PRON
cblr-2966	657	31	and	and	CCONJ
cblr-2966	657	32	,	,	PUNCT
cblr-2966	657	33	thus	thus	ADV
cblr-2966	657	34	,	,	PUNCT
cblr-2966	657	35	the	the	DET
cblr-2966	657	36	characteristics	characteristic	NOUN
cblr-2966	657	37	of	of	ADP
cblr-2966	657	38	the	the	DET
cblr-2966	657	39	people	people	NOUN
cblr-2966	657	40	who	who	PRON
cblr-2966	657	41	live	live	VERB
cblr-2966	657	42	there	there	ADV
cblr-2966	657	43	.	.	PUNCT
cblr-2966	658	1	this	this	PRON
cblr-2966	658	2	makes	make	VERB
cblr-2966	658	3	direct	direct	ADJ
cblr-2966	658	4	comparison	comparison	NOUN
cblr-2966	658	5	of	of	ADP
cblr-2966	658	6	the	the	DET
cblr-2966	658	7	effect	effect	NOUN
cblr-2966	658	8	of	of	ADP
cblr-2966	658	9	the	the	DET
cblr-2966	658	10	different	different	ADJ
cblr-2966	658	11	laws	law	NOUN
cblr-2966	658	12	passed	pass	VERB
cblr-2966	658	13	in	in	ADP
cblr-2966	658	14	two	two	NUM
cblr-2966	658	15	different	different	ADJ
cblr-2966	658	16	states	state	NOUN
cblr-2966	658	17	difficult	difficult	ADJ
cblr-2966	658	18	.	.	PUNCT
cblr-2966	659	1	the	the	DET
cblr-2966	659	2	direct	direct	ADJ
cblr-2966	659	3	comparison	comparison	NOUN
cblr-2966	659	4	would	would	AUX
cblr-2966	659	5	make	make	VERB
cblr-2966	659	6	as	as	ADV
cblr-2966	659	7	much	much	ADJ
cblr-2966	659	8	sense	sense	NOUN
cblr-2966	659	9	as	as	SCONJ
cblr-2966	659	10	"	"	PUNCT
cblr-2966	659	11	0	0	NUM
cblr-2966	659	12	selection	selection	NOUN
cblr-2966	659	13	bias	bias	NOUN
cblr-2966	659	14	involves	involve	VERB
cblr-2966	659	15	the	the	DET
cblr-2966	659	16	situation	situation	NOUN
cblr-2966	659	17	wherein	wherein	SCONJ
cblr-2966	659	18	inclusion	inclusion	NOUN
cblr-2966	659	19	into	into	ADP
cblr-2966	659	20	the	the	DET
cblr-2966	659	21	treatment	treatment	NOUN
cblr-2966	659	22	(	(	PUNCT
cblr-2966	659	23	having	have	VERB
cblr-2966	659	24	a	a	DET
cblr-2966	659	25	predatory	predatory	ADJ
cblr-2966	659	26	law	law	NOUN
cblr-2966	659	27	)	)	PUNCT
cblr-2966	659	28	is	be	AUX
cblr-2966	659	29	not	not	PART
cblr-2966	659	30	completely	completely	ADV
cblr-2966	659	31	random	random	ADJ
cblr-2966	659	32	,	,	PUNCT
cblr-2966	659	33	but	but	CCONJ
cblr-2966	659	34	rather	rather	ADV
cblr-2966	659	35	dependent	dependent	ADJ
cblr-2966	659	36	on	on	ADP
cblr-2966	659	37	characteristics	characteristic	NOUN
cblr-2966	659	38	of	of	ADP
cblr-2966	659	39	the	the	DET
cblr-2966	659	40	subject	subject	NOUN
cblr-2966	659	41	.	.	PUNCT
cblr-2966	660	1	omitted	omit	VERB
cblr-2966	660	2	variable	variable	ADJ
cblr-2966	660	3	bias	bias	NOUN
cblr-2966	660	4	refers	refer	VERB
cblr-2966	660	5	to	to	ADP
cblr-2966	660	6	the	the	DET
cblr-2966	660	7	problem	problem	NOUN
cblr-2966	660	8	when	when	SCONJ
cblr-2966	660	9	a	a	DET
cblr-2966	660	10	statistical	statistical	ADJ
cblr-2966	660	11	model	model	NOUN
cblr-2966	660	12	is	be	AUX
cblr-2966	660	13	missing	miss	VERB
cblr-2966	660	14	an	an	DET
cblr-2966	660	15	independent	independent	ADJ
cblr-2966	660	16	variable	variable	NOUN
cblr-2966	660	17	that	that	PRON
cblr-2966	660	18	would	would	AUX
cblr-2966	660	19	otherwise	otherwise	ADV
cblr-2966	660	20	explain	explain	VERB
cblr-2966	660	21	some	some	PRON
cblr-2966	660	22	of	of	ADP
cblr-2966	660	23	the	the	DET
cblr-2966	660	24	variance	variance	NOUN
cblr-2966	660	25	in	in	ADP
cblr-2966	660	26	the	the	DET
cblr-2966	660	27	dependent	dependent	ADJ
cblr-2966	660	28	variable	variable	NOUN
cblr-2966	660	29	.	.	PUNCT
cblr-2966	661	1	"	"	PUNCT
cblr-2966	661	2	3	3	NUM
cblr-2966	661	3	studies	study	NOUN
cblr-2966	661	4	which	which	PRON
cblr-2966	661	5	fail	fail	VERB
cblr-2966	661	6	to	to	PART
cblr-2966	661	7	control	control	VERB
cblr-2966	661	8	for	for	ADP
cblr-2966	661	9	omitted	omit	VERB
cblr-2966	661	10	variables	variable	NOUN
cblr-2966	661	11	include	include	VERB
cblr-2966	661	12	:	:	PUNCT
cblr-2966	661	13	avery	avery	PROPN
cblr-2966	661	14	et	et	PROPN
cblr-2966	661	15	al	al	PROPN
cblr-2966	661	16	.	.	PROPN
cblr-2966	661	17	,	,	PUNCT
cblr-2966	661	18	supra	supra	PROPN
cblr-2966	661	19	note	note	PROPN
cblr-2966	661	20	14	14	NUM
cblr-2966	661	21	;	;	PUNCT
cblr-2966	661	22	calem	calem	PROPN
cblr-2966	661	23	et	et	PROPN
cblr-2966	661	24	al	al	PROPN
cblr-2966	661	25	.	.	PROPN
cblr-2966	661	26	,	,	PUNCT
cblr-2966	661	27	supra	supra	PROPN
cblr-2966	661	28	note	note	PROPN
cblr-2966	661	29	111	111	NUM
cblr-2966	661	30	;	;	PUNCT
cblr-2966	661	31	elliehausen	elliehausen	NOUN
cblr-2966	661	32	&	&	CCONJ
cblr-2966	661	33	staten	staten	PROPN
cblr-2966	661	34	,	,	PUNCT
cblr-2966	661	35	supra	supra	PROPN
cblr-2966	661	36	note	note	PROPN
cblr-2966	661	37	113	113	NUM
cblr-2966	661	38	;	;	PUNCT
cblr-2966	661	39	harvey	harvey	NOUN
cblr-2966	661	40	&	&	CCONJ
cblr-2966	661	41	nigro	nigro	PROPN
cblr-2966	661	42	,	,	PUNCT
cblr-2966	661	43	supra	supra	PROPN
cblr-2966	661	44	note	note	PROPN
cblr-2966	661	45	16	16	NUM
cblr-2966	661	46	;	;	PUNCT
cblr-2966	661	47	harvey	harvey	NOUN
cblr-2966	661	48	&	&	CCONJ
cblr-2966	661	49	nigro	nigro	PROPN
cblr-2966	661	50	,	,	PUNCT
cblr-2966	661	51	supra	supra	PROPN
cblr-2966	661	52	note	note	NOUN
cblr-2966	661	53	111	111	NUM
cblr-2966	661	54	;	;	PUNCT
cblr-2966	661	55	keith	keith	PROPN
cblr-2966	661	56	ernst	ernst	PROPN
cblr-2966	661	57	et	et	PROPN
cblr-2966	661	58	al	al	PROPN
cblr-2966	661	59	.	.	PROPN
cblr-2966	661	60	,	,	PUNCT
cblr-2966	661	61	ctr	ctr	PROPN
cblr-2966	661	62	.	.	PUNCT
cblr-2966	662	1	for	for	ADP
cblr-2966	662	2	responsible	responsible	ADJ
cblr-2966	662	3	lending	lending	NOUN
cblr-2966	662	4	,	,	PUNCT
cblr-2966	662	5	north	north	PROPN
cblr-2966	662	6	carolina	carolina	PROPN
cblr-2966	662	7	's	's	PART
cblr-2966	662	8	subprime	subprime	ADJ
cblr-2966	662	9	home	home	NOUN
cblr-2966	662	10	loan	loan	NOUN
cblr-2966	662	11	market	market	NOUN
cblr-2966	662	12	after	after	ADP
cblr-2966	662	13	predatory	predatory	NOUN
cblr-2966	662	14	lending	lending	NOUN
cblr-2966	662	15	reform	reform	NOUN
cblr-2966	662	16	(	(	PUNCT
cblr-2966	662	17	2002	2002	NUM
cblr-2966	662	18	)	)	PUNCT
cblr-2966	662	19	,	,	PUNCT
cblr-2966	662	20	http://www.responsiblelending.orgpdfs/hmdastudy-on	http://www.responsiblelending.orgpdfs/hmdastudy-on	PROPN
cblr-2966	662	21	ncmarket.pdf	ncmarket.pdf	PROPN
cblr-2966	662	22	;	;	PUNCT
cblr-2966	662	23	li	li	PROPN
cblr-2966	662	24	&	&	CCONJ
cblr-2966	662	25	ernst	ernst	PROPN
cblr-2966	662	26	,	,	PUNCT
cblr-2966	662	27	supra	supra	PROPN
cblr-2966	662	28	note	note	PROPN
cblr-2966	662	29	124	124	NUM
cblr-2966	662	30	;	;	PUNCT
cblr-2966	662	31	quercia	quercia	PROPN
cblr-2966	662	32	et	et	PROPN
cblr-2966	662	33	al	al	PROPN
cblr-2966	662	34	.	.	PROPN
cblr-2966	662	35	,	,	PUNCT
cblr-2966	662	36	supra	supra	PROPN
cblr-2966	662	37	note	note	NOUN
cblr-2966	662	38	12	12	NUM
cblr-2966	662	39	.	.	PUNCT
cblr-2966	663	1	132	132	NUM
cblr-2966	663	2	see	see	VERB
cblr-2966	663	3	paul	paul	PROPN
cblr-2966	663	4	r.	r.	PROPN
cblr-2966	663	5	rosenbaum	rosenbaum	PROPN
cblr-2966	663	6	&	&	CCONJ
cblr-2966	663	7	donald	donald	PROPN
cblr-2966	663	8	r.	r.	PROPN
cblr-2966	663	9	rubin	rubin	PROPN
cblr-2966	663	10	,	,	PUNCT
cblr-2966	663	11	the	the	DET
cblr-2966	663	12	central	central	ADJ
cblr-2966	663	13	role	role	NOUN
cblr-2966	663	14	of	of	ADP
cblr-2966	663	15	the	the	DET
cblr-2966	663	16	propensity	propensity	NOUN
cblr-2966	663	17	score	score	NOUN
cblr-2966	663	18	in	in	ADP
cblr-2966	663	19	observational	observational	ADJ
cblr-2966	663	20	studies	study	NOUN
cblr-2966	663	21	for	for	ADP
cblr-2966	663	22	causal	causal	ADJ
cblr-2966	663	23	effects	effect	NOUN
cblr-2966	663	24	,	,	PUNCT
cblr-2966	663	25	70	70	NUM
cblr-2966	663	26	biometrika	biometrika	NOUN
cblr-2966	663	27	41	41	NUM
cblr-2966	663	28	,	,	PUNCT
cblr-2966	663	29	41	41	NUM
cblr-2966	663	30	-	-	SYM
cblr-2966	663	31	55	55	NUM
cblr-2966	663	32	(	(	PUNCT
cblr-2966	663	33	1983	1983	NUM
cblr-2966	663	34	)	)	PUNCT
cblr-2966	663	35	.	.	PUNCT
cblr-2966	664	1	133	133	NUM
cblr-2966	664	2	see	see	VERB
cblr-2966	664	3	,	,	PUNCT
cblr-2966	664	4	e.g.	e.g.	ADV
cblr-2966	664	5	,	,	PUNCT
cblr-2966	664	6	james	james	PROPN
cblr-2966	664	7	heckman	heckman	PROPN
cblr-2966	664	8	et	et	PROPN
cblr-2966	664	9	al	al	PROPN
cblr-2966	664	10	.	.	PROPN
cblr-2966	664	11	,	,	PUNCT
cblr-2966	664	12	characterizing	characterize	VERB
cblr-2966	664	13	selection	selection	NOUN
cblr-2966	664	14	bias	bias	NOUN
cblr-2966	664	15	using	use	VERB
cblr-2966	664	16	experimental	experimental	ADJ
cblr-2966	664	17	data	datum	NOUN
cblr-2966	664	18	,	,	PUNCT
cblr-2966	664	19	66	66	NUM
cblr-2966	664	20	econometrica	econometrica	PROPN
cblr-2966	664	21	1017	1017	NUM
cblr-2966	664	22	(	(	PUNCT
cblr-2966	664	23	1998	1998	NUM
cblr-2966	664	24	)	)	PUNCT
cblr-2966	664	25	.	.	PUNCT
cblr-2966	665	1	134	134	NUM
cblr-2966	665	2	see	see	VERB
cblr-2966	665	3	,	,	PUNCT
cblr-2966	665	4	e.g.	e.g.	ADV
cblr-2966	665	5	,	,	PUNCT
cblr-2966	665	6	donald	donald	PROPN
cblr-2966	665	7	b.	b.	PROPN
cblr-2966	665	8	rubin	rubin	PROPN
cblr-2966	665	9	,	,	PUNCT
cblr-2966	665	10	estimating	estimate	VERB
cblr-2966	665	11	causal	causal	ADJ
cblr-2966	665	12	effects	effect	NOUN
cblr-2966	665	13	of	of	ADP
cblr-2966	665	14	treatments	treatment	NOUN
cblr-2966	665	15	in	in	ADP
cblr-2966	665	16	randomized	randomized	ADJ
cblr-2966	665	17	and	and	CCONJ
cblr-2966	665	18	non	non	ADJ
cblr-2966	665	19	-	-	ADJ
cblr-2966	665	20	randomized	randomized	ADJ
cblr-2966	665	21	studies	study	NOUN
cblr-2966	665	22	,	,	PUNCT
cblr-2966	665	23	66	66	NUM
cblr-2966	665	24	j.	j.	PROPN
cblr-2966	665	25	educ	educ	PROPN
cblr-2966	665	26	.	.	PUNCT
cblr-2966	666	1	psychol	psychol	PROPN
cblr-2966	666	2	.	.	PROPN
cblr-2966	667	1	688	688	NUM
cblr-2966	667	2	,	,	PUNCT
cblr-2966	667	3	688	688	NUM
cblr-2966	667	4	-	-	SYM
cblr-2966	667	5	701	701	NUM
cblr-2966	667	6	(	(	PUNCT
cblr-2966	667	7	1974	1974	NUM
cblr-2966	667	8	)	)	PUNCT
cblr-2966	667	9	;	;	PUNCT
cblr-2966	667	10	paul	paul	PROPN
cblr-2966	667	11	r.	r.	PROPN
cblr-2966	667	12	rosenbaum	rosenbaum	PROPN
cblr-2966	667	13	&	&	CCONJ
cblr-2966	667	14	donald	donald	PROPN
cblr-2966	667	15	b.	b.	PROPN
cblr-2966	667	16	rubin	rubin	PROPN
cblr-2966	667	17	,	,	PUNCT
cblr-2966	667	18	constructing	construct	VERB
cblr-2966	667	19	a	a	DET
cblr-2966	667	20	control	control	NOUN
cblr-2966	667	21	group	group	NOUN
cblr-2966	667	22	using	use	VERB
cblr-2966	667	23	multivariate	multivariate	NOUN
cblr-2966	667	24	matched	match	VERB
cblr-2966	667	25	sampling	sampling	NOUN
cblr-2966	667	26	methods	method	NOUN
cblr-2966	667	27	that	that	PRON
cblr-2966	667	28	incorporate	incorporate	VERB
cblr-2966	667	29	the	the	DET
cblr-2966	667	30	propensity	propensity	NOUN
cblr-2966	667	31	score	score	NOUN
cblr-2966	667	32	,	,	PUNCT
cblr-2966	667	33	39	39	NUM
cblr-2966	667	34	am	am	NOUN
cblr-2966	667	35	.	.	PUNCT
cblr-2966	668	1	statistician	statistician	PROPN
cblr-2966	668	2	33	33	NUM
cblr-2966	668	3	,	,	PUNCT
cblr-2966	668	4	33	33	NUM
cblr-2966	668	5	-	-	SYM
cblr-2966	668	6	38	38	NUM
cblr-2966	668	7	(	(	PUNCT
cblr-2966	668	8	1985	1985	NUM
cblr-2966	668	9	)	)	PUNCT
cblr-2966	668	10	.	.	PUNCT
cblr-2966	669	1	no	no	INTJ
cblr-2966	669	2	.	.	PUNCT
cblr-2966	670	1	3:10211	3:10211	NUM
cblr-2966	670	2	columbia	columbia	PROPN
cblr-2966	670	3	business	business	PROPN
cblr-2966	670	4	la	la	PROPN
cblr-2966	670	5	wreview	wreview	VERB
cblr-2966	670	6	comparing	compare	VERB
cblr-2966	670	7	the	the	DET
cblr-2966	670	8	effectiveness	effectiveness	NOUN
cblr-2966	670	9	of	of	ADP
cblr-2966	670	10	two	two	NUM
cblr-2966	670	11	slicers	slicer	NOUN
cblr-2966	670	12	,	,	PUNCT
cblr-2966	670	13	one	one	NUM
cblr-2966	670	14	with	with	ADP
cblr-2966	670	15	an	an	DET
cblr-2966	670	16	apple	apple	NOUN
cblr-2966	670	17	,	,	PUNCT
cblr-2966	670	18	and	and	CCONJ
cblr-2966	670	19	one	one	NUM
cblr-2966	670	20	with	with	ADP
cblr-2966	670	21	an	an	DET
cblr-2966	670	22	orange	orange	NOUN
cblr-2966	670	23	,	,	PUNCT
cblr-2966	670	24	to	to	PART
cblr-2966	670	25	declare	declare	VERB
cblr-2966	670	26	which	which	PRON
cblr-2966	670	27	is	be	AUX
cblr-2966	670	28	the	the	DET
cblr-2966	670	29	better	well	ADJ
cblr-2966	670	30	slicer	slicer	NOUN
cblr-2966	670	31	.	.	PUNCT
cblr-2966	671	1	researchers	researcher	NOUN
cblr-2966	671	2	combat	combat	VERB
cblr-2966	671	3	this	this	DET
cblr-2966	671	4	problem	problem	NOUN
cblr-2966	671	5	by	by	ADP
cblr-2966	671	6	trying	try	VERB
cblr-2966	671	7	to	to	PART
cblr-2966	671	8	find	find	VERB
cblr-2966	671	9	similar	similar	ADJ
cblr-2966	671	10	"	"	PUNCT
cblr-2966	671	11	apples	apple	NOUN
cblr-2966	671	12	"	"	PUNCT
cblr-2966	671	13	in	in	ADP
cblr-2966	671	14	the	the	DET
cblr-2966	671	15	two	two	NUM
cblr-2966	671	16	different	different	ADJ
cblr-2966	671	17	states	state	NOUN
cblr-2966	671	18	.	.	PUNCT
cblr-2966	672	1	the	the	DET
cblr-2966	672	2	two	two	NUM
cblr-2966	672	3	most	most	ADV
cblr-2966	672	4	common	common	ADJ
cblr-2966	672	5	means	mean	NOUN
cblr-2966	672	6	of	of	ADP
cblr-2966	672	7	addressing	address	VERB
cblr-2966	672	8	this	this	DET
cblr-2966	672	9	problem	problem	NOUN
cblr-2966	672	10	are	be	AUX
cblr-2966	672	11	using	use	VERB
cblr-2966	672	12	a	a	DET
cblr-2966	672	13	discontinuity	discontinuity	NOUN
cblr-2966	672	14	approach	approach	NOUN
cblr-2966	672	15	or	or	CCONJ
cblr-2966	672	16	analyzing	analyze	VERB
cblr-2966	672	17	only	only	ADV
cblr-2966	672	18	areas	area	NOUN
cblr-2966	672	19	that	that	PRON
cblr-2966	672	20	are	be	AUX
cblr-2966	672	21	across	across	ADP
cblr-2966	672	22	state	state	NOUN
cblr-2966	672	23	borders	border	NOUN
cblr-2966	672	24	from	from	ADP
cblr-2966	672	25	one	one	NUM
cblr-2966	672	26	another	another	DET
cblr-2966	672	27	.	.	PUNCT
cblr-2966	673	1	3	3	NUM
cblr-2966	673	2	'	'	PUNCT
cblr-2966	673	3	a	a	DET
cblr-2966	673	4	discontinuity	discontinuity	NOUN
cblr-2966	673	5	approach	approach	NOUN
cblr-2966	673	6	compares	compare	VERB
cblr-2966	673	7	the	the	DET
cblr-2966	673	8	same	same	ADJ
cblr-2966	673	9	apple	apple	NOUN
cblr-2966	673	10	to	to	ADP
cblr-2966	673	11	itself	itself	PRON
cblr-2966	673	12	-	-	PUNCT
cblr-2966	673	13	the	the	DET
cblr-2966	673	14	same	same	ADJ
cblr-2966	673	15	group	group	NOUN
cblr-2966	673	16	of	of	ADP
cblr-2966	673	17	people	people	NOUN
cblr-2966	673	18	in	in	ADP
cblr-2966	673	19	a	a	DET
cblr-2966	673	20	state	state	NOUN
cblr-2966	673	21	before	before	ADP
cblr-2966	673	22	and	and	CCONJ
cblr-2966	673	23	after	after	ADP
cblr-2966	673	24	the	the	DET
cblr-2966	673	25	passage	passage	NOUN
cblr-2966	673	26	of	of	ADP
cblr-2966	673	27	a	a	DET
cblr-2966	673	28	law	law	NOUN
cblr-2966	673	29	.	.	PUNCT
cblr-2966	674	1	the	the	DET
cblr-2966	674	2	crossborder	crossborder	NOUN
cblr-2966	674	3	approach	approach	NOUN
cblr-2966	674	4	assumes	assume	VERB
cblr-2966	674	5	that	that	SCONJ
cblr-2966	674	6	economic	economic	ADJ
cblr-2966	674	7	regions	region	NOUN
cblr-2966	674	8	are	be	AUX
cblr-2966	674	9	not	not	PART
cblr-2966	674	10	contained	contain	VERB
cblr-2966	674	11	by	by	ADP
cblr-2966	674	12	state	state	NOUN
cblr-2966	674	13	borders	border	NOUN
cblr-2966	674	14	,	,	PUNCT
cblr-2966	674	15	meaning	mean	VERB
cblr-2966	674	16	that	that	SCONJ
cblr-2966	674	17	researchers	researcher	NOUN
cblr-2966	674	18	can	can	AUX
cblr-2966	674	19	test	test	VERB
cblr-2966	674	20	two	two	NUM
cblr-2966	674	21	halves	half	NOUN
cblr-2966	674	22	of	of	ADP
cblr-2966	674	23	the	the	DET
cblr-2966	674	24	same	same	ADJ
cblr-2966	674	25	apple	apple	NOUN
cblr-2966	674	26	by	by	ADP
cblr-2966	674	27	examining	examine	VERB
cblr-2966	674	28	the	the	DET
cblr-2966	674	29	effect	effect	NOUN
cblr-2966	674	30	of	of	ADP
cblr-2966	674	31	the	the	DET
cblr-2966	674	32	law	law	NOUN
cblr-2966	674	33	on	on	ADP
cblr-2966	674	34	each	each	DET
cblr-2966	674	35	side	side	NOUN
cblr-2966	674	36	of	of	ADP
cblr-2966	674	37	a	a	DET
cblr-2966	674	38	state	state	NOUN
cblr-2966	674	39	line	line	NOUN
cblr-2966	674	40	.	.	PUNCT
cblr-2966	675	1	'36	'36	NUM
cblr-2966	675	2	either	either	CCONJ
cblr-2966	675	3	approach	approach	NOUN
cblr-2966	675	4	limits	limit	VERB
cblr-2966	675	5	the	the	DET
cblr-2966	675	6	universe	universe	NOUN
cblr-2966	675	7	of	of	ADP
cblr-2966	675	8	possible	possible	ADJ
cblr-2966	675	9	comparisons	comparison	NOUN
cblr-2966	675	10	significantly	significantly	ADV
cblr-2966	675	11	.	.	PUNCT
cblr-2966	676	1	while	while	SCONJ
cblr-2966	676	2	both	both	PRON
cblr-2966	676	3	discontinuity	discontinuity	NOUN
cblr-2966	676	4	and	and	CCONJ
cblr-2966	676	5	cross	cross	ADJ
cblr-2966	676	6	-	-	ADJ
cblr-2966	676	7	border	border	ADJ
cblr-2966	676	8	approaches	approach	NOUN
cblr-2966	676	9	are	be	AUX
cblr-2966	676	10	widely	widely	ADV
cblr-2966	676	11	accepted	accept	VERB
cblr-2966	676	12	,	,	PUNCT
cblr-2966	676	13	propensity	propensity	NOUN
cblr-2966	676	14	score	score	NOUN
cblr-2966	676	15	matching	matching	NOUN
cblr-2966	676	16	is	be	AUX
cblr-2966	676	17	a	a	DET
cblr-2966	676	18	more	more	ADV
cblr-2966	676	19	flexible	flexible	ADJ
cblr-2966	676	20	approach	approach	NOUN
cblr-2966	676	21	,	,	PUNCT
cblr-2966	676	22	one	one	NUM
cblr-2966	676	23	that	that	PRON
cblr-2966	676	24	proves	prove	VERB
cblr-2966	676	25	,	,	PUNCT
cblr-2966	676	26	rather	rather	ADV
cblr-2966	676	27	than	than	ADP
cblr-2966	676	28	assumes	assume	NOUN
cblr-2966	676	29	,	,	PUNCT
cblr-2966	676	30	regions	region	NOUN
cblr-2966	676	31	are	be	AUX
cblr-2966	676	32	identical	identical	ADJ
cblr-2966	676	33	.	.	PUNCT
cblr-2966	677	1	for	for	ADP
cblr-2966	677	2	each	each	DET
cblr-2966	677	3	data	datum	NOUN
cblr-2966	677	4	set	set	VERB
cblr-2966	677	5	used	use	VERB
cblr-2966	677	6	in	in	ADP
cblr-2966	677	7	this	this	DET
cblr-2966	677	8	note	note	NOUN
cblr-2966	677	9	,	,	PUNCT
cblr-2966	677	10	the	the	DET
cblr-2966	677	11	author	author	NOUN
cblr-2966	677	12	ran	run	VERB
cblr-2966	677	13	a	a	DET
cblr-2966	677	14	propensity	propensity	NOUN
cblr-2966	677	15	matching	match	VERB
cblr-2966	677	16	algorithm	algorithm	NOUN
cblr-2966	677	17	to	to	PART
cblr-2966	677	18	calculate	calculate	VERB
cblr-2966	677	19	the	the	DET
cblr-2966	677	20	odds	odd	NOUN
cblr-2966	677	21	whether	whether	SCONJ
cblr-2966	677	22	a	a	DET
cblr-2966	677	23	particular	particular	ADJ
cblr-2966	677	24	census	census	NOUN
cblr-2966	677	25	tract	tract	NOUN
cblr-2966	677	26	was	be	AUX
cblr-2966	677	27	covered	cover	VERB
cblr-2966	677	28	by	by	ADP
cblr-2966	677	29	an	an	DET
cblr-2966	677	30	assignee	assignee	NOUN
cblr-2966	677	31	liability	liability	NOUN
cblr-2966	677	32	law	law	NOUN
cblr-2966	677	33	.	.	PUNCT
cblr-2966	678	1	essentially	essentially	ADV
cblr-2966	678	2	,	,	PUNCT
cblr-2966	678	3	the	the	DET
cblr-2966	678	4	author	author	NOUN
cblr-2966	678	5	attempted	attempt	VERB
cblr-2966	678	6	to	to	PART
cblr-2966	678	7	control	control	VERB
cblr-2966	678	8	for	for	ADP
cblr-2966	678	9	economic	economic	ADJ
cblr-2966	678	10	conditions	condition	NOUN
cblr-2966	678	11	by	by	ADP
cblr-2966	678	12	equalizing	equalize	VERB
cblr-2966	678	13	the	the	DET
cblr-2966	678	14	means	mean	NOUN
cblr-2966	678	15	of	of	ADP
cblr-2966	678	16	various	various	ADJ
cblr-2966	678	17	demographic	demographic	ADJ
cblr-2966	678	18	variables	variable	NOUN
cblr-2966	678	19	,	,	PUNCT
cblr-2966	678	20	on	on	ADP
cblr-2966	678	21	a	a	DET
cblr-2966	678	22	census	census	NOUN
cblr-2966	678	23	tract	tract	NOUN
cblr-2966	678	24	level	level	NOUN
cblr-2966	678	25	,	,	PUNCT
cblr-2966	678	26	based	base	VERB
cblr-2966	678	27	on	on	ADP
cblr-2966	678	28	whether	whether	SCONJ
cblr-2966	678	29	or	or	CCONJ
cblr-2966	678	30	not	not	PART
cblr-2966	678	31	that	that	DET
cblr-2966	678	32	tract	tract	NOUN
cblr-2966	678	33	received	receive	VERB
cblr-2966	678	34	the	the	DET
cblr-2966	678	35	treatment	treatment	NOUN
cblr-2966	678	36	(	(	PUNCT
cblr-2966	678	37	an	an	DET
cblr-2966	678	38	assignee	assignee	NOUN
cblr-2966	678	39	liability	liability	NOUN
cblr-2966	678	40	law).3	law).3	ADP
cblr-2966	678	41	7	7	NUM
cblr-2966	678	42	table	table	NOUN
cblr-2966	678	43	9	9	NUM
cblr-2966	678	44	(	(	PUNCT
cblr-2966	678	45	unmatched	unmatched	ADJ
cblr-2966	678	46	)	)	PUNCT
cblr-2966	678	47	and	and	CCONJ
cblr-2966	678	48	table	table	NOUN
cblr-2966	678	49	10	10	NUM
cblr-2966	678	50	(	(	PUNCT
cblr-2966	678	51	matched	match	VERB
cblr-2966	678	52	)	)	PUNCT
cblr-2966	678	53	demonstrate	demonstrate	VERB
cblr-2966	678	54	the	the	DET
cblr-2966	678	55	outcome	outcome	NOUN
cblr-2966	678	56	.	.	PUNCT
cblr-2966	679	1	while	while	SCONJ
cblr-2966	679	2	this	this	DET
cblr-2966	679	3	approach	approach	NOUN
cblr-2966	679	4	is	be	AUX
cblr-2966	679	5	not	not	PART
cblr-2966	679	6	perfect	perfect	ADJ
cblr-2966	679	7	,	,	PUNCT
cblr-2966	679	8	it	it	PRON
cblr-2966	679	9	demonstrates	demonstrate	VERB
cblr-2966	679	10	a	a	DET
cblr-2966	679	11	novel	novel	ADJ
cblr-2966	679	12	technique	technique	NOUN
cblr-2966	679	13	that	that	PRON
cblr-2966	679	14	is	be	AUX
cblr-2966	679	15	more	more	ADV
cblr-2966	679	16	flexible	flexible	ADJ
cblr-2966	679	17	and	and	CCONJ
cblr-2966	679	18	inclusive	inclusive	ADJ
cblr-2966	679	19	than	than	ADP
cblr-2966	679	20	those	those	PRON
cblr-2966	679	21	used	use	VERB
cblr-2966	679	22	previously	previously	ADV
cblr-2966	679	23	.	.	PUNCT
cblr-2966	680	1	38	38	NUM
cblr-2966	680	2	135	135	NUM
cblr-2966	680	3	see	see	VERB
cblr-2966	680	4	,	,	PUNCT
cblr-2966	680	5	e.g.	e.g.	ADV
cblr-2966	680	6	,	,	PUNCT
cblr-2966	680	7	bostic	bostic	PROPN
cblr-2966	680	8	et	et	PROPN
cblr-2966	680	9	al	al	PROPN
cblr-2966	680	10	.	.	PROPN
cblr-2966	680	11	,	,	PUNCT
cblr-2966	680	12	supra	supra	PROPN
cblr-2966	680	13	note	note	VERB
cblr-2966	680	14	7	7	NUM
cblr-2966	680	15	(	(	PUNCT
cblr-2966	680	16	state	state	NOUN
cblr-2966	680	17	border	border	NOUN
cblr-2966	680	18	approach	approach	NOUN
cblr-2966	680	19	)	)	PUNCT
cblr-2966	680	20	;	;	PUNCT
cblr-2966	680	21	elliehausen	elliehausen	NOUN
cblr-2966	680	22	et	et	PROPN
cblr-2966	680	23	al	al	PROPN
cblr-2966	680	24	.	.	PROPN
cblr-2966	680	25	,	,	PUNCT
cblr-2966	680	26	supra	supra	PROPN
cblr-2966	680	27	note	note	NOUN
cblr-2966	680	28	129	129	NUM
cblr-2966	680	29	(	(	PUNCT
cblr-2966	680	30	event	event	NOUN
cblr-2966	680	31	series	series	PROPN
cblr-2966	680	32	)	)	PUNCT
cblr-2966	680	33	.	.	PUNCT
cblr-2966	681	1	136	136	NUM
cblr-2966	681	2	ho	ho	PROPN
cblr-2966	681	3	&	&	CCONJ
cblr-2966	681	4	pennington	pennington	PROPN
cblr-2966	681	5	-	-	PUNCT
cblr-2966	681	6	cross	cross	PROPN
cblr-2966	681	7	,	,	PUNCT
cblr-2966	681	8	supra	supra	ADJ
cblr-2966	681	9	note	note	PROPN
cblr-2966	681	10	14	14	NUM
cblr-2966	681	11	,	,	PUNCT
cblr-2966	681	12	at	at	ADP
cblr-2966	681	13	218	218	NUM
cblr-2966	681	14	.	.	PUNCT
cblr-2966	681	15	...	...	PUNCT
cblr-2966	682	1	this	this	DET
cblr-2966	682	2	paper	paper	NOUN
cblr-2966	682	3	first	first	ADV
cblr-2966	682	4	calculated	calculate	VERB
cblr-2966	682	5	propensity	propensity	NOUN
cblr-2966	682	6	scores	score	NOUN
cblr-2966	682	7	and	and	CCONJ
cblr-2966	682	8	then	then	ADV
cblr-2966	682	9	used	use	VERB
cblr-2966	682	10	"	"	PUNCT
cblr-2966	682	11	nearest	near	ADJ
cblr-2966	682	12	neighbor	neighbor	NOUN
cblr-2966	682	13	"	"	PUNCT
cblr-2966	682	14	matching	match	VERB
cblr-2966	682	15	to	to	PART
cblr-2966	682	16	match	match	VERB
cblr-2966	682	17	similar	similar	ADJ
cblr-2966	682	18	observations	observation	NOUN
cblr-2966	682	19	in	in	ADP
cblr-2966	682	20	the	the	DET
cblr-2966	682	21	treatment	treatment	NOUN
cblr-2966	682	22	and	and	CCONJ
cblr-2966	682	23	control	control	NOUN
cblr-2966	682	24	.	.	PUNCT
cblr-2966	683	1	the	the	DET
cblr-2966	683	2	maximum	maximum	ADJ
cblr-2966	683	3	allowable	allowable	ADJ
cblr-2966	683	4	difference	difference	NOUN
cblr-2966	683	5	between	between	ADP
cblr-2966	683	6	neighbors	neighbor	NOUN
cblr-2966	683	7	is	be	AUX
cblr-2966	683	8	limited	limit	VERB
cblr-2966	683	9	in	in	ADP
cblr-2966	683	10	order	order	NOUN
cblr-2966	683	11	to	to	PART
cblr-2966	683	12	acquire	acquire	VERB
cblr-2966	683	13	demographic	demographic	ADJ
cblr-2966	683	14	means	mean	NOUN
cblr-2966	683	15	statistically	statistically	ADV
cblr-2966	683	16	identical	identical	ADJ
cblr-2966	683	17	(	(	PUNCT
cblr-2966	683	18	or	or	CCONJ
cblr-2966	683	19	as	as	ADV
cblr-2966	683	20	close	close	ADJ
cblr-2966	683	21	as	as	ADP
cblr-2966	683	22	possible	possible	ADJ
cblr-2966	683	23	to	to	ADP
cblr-2966	683	24	identical	identical	ADJ
cblr-2966	683	25	)	)	PUNCT
cblr-2966	683	26	between	between	ADP
cblr-2966	683	27	the	the	DET
cblr-2966	683	28	two	two	NUM
cblr-2966	683	29	groups	group	NOUN
cblr-2966	683	30	.	.	PUNCT
cblr-2966	684	1	138	138	NUM
cblr-2966	684	2	for	for	ADP
cblr-2966	684	3	example	example	NOUN
cblr-2966	684	4	,	,	PUNCT
cblr-2966	684	5	this	this	DET
cblr-2966	684	6	analysis	analysis	NOUN
cblr-2966	684	7	assumes	assume	VERB
cblr-2966	684	8	that	that	SCONJ
cblr-2966	684	9	median	median	ADJ
cblr-2966	684	10	income	income	NOUN
cblr-2966	684	11	,	,	PUNCT
cblr-2966	684	12	type	type	NOUN
cblr-2966	684	13	of	of	ADP
cblr-2966	684	14	housing	housing	NOUN
cblr-2966	684	15	,	,	PUNCT
cblr-2966	684	16	percentage	percentage	NOUN
cblr-2966	684	17	of	of	ADP
cblr-2966	684	18	minority	minority	NOUN
cblr-2966	684	19	groups	group	NOUN
cblr-2966	684	20	,	,	PUNCT
cblr-2966	684	21	wealth	wealth	NOUN
cblr-2966	684	22	disparity	disparity	NOUN
cblr-2966	684	23	,	,	PUNCT
cblr-2966	684	24	and	and	CCONJ
cblr-2966	684	25	population	population	NOUN
cblr-2966	684	26	,	,	PUNCT
cblr-2966	684	27	captures	capture	VERB
cblr-2966	684	28	regions	region	NOUN
cblr-2966	684	29	that	that	PRON
cblr-2966	684	30	are	be	AUX
cblr-2966	684	31	sufficiently	sufficiently	ADV
cblr-2966	684	32	similar	similar	ADJ
cblr-2966	684	33	economically	economically	ADV
cblr-2966	684	34	to	to	PART
cblr-2966	684	35	avoid	avoid	VERB
cblr-2966	684	36	selection	selection	NOUN
cblr-2966	684	37	bias	bias	NOUN
cblr-2966	684	38	.	.	PUNCT
cblr-2966	685	1	however	however	ADV
cblr-2966	685	2	,	,	PUNCT
cblr-2966	685	3	this	this	PRON
cblr-2966	685	4	might	might	AUX
cblr-2966	685	5	not	not	PART
cblr-2966	685	6	be	be	AUX
cblr-2966	685	7	the	the	DET
cblr-2966	685	8	case	case	NOUN
cblr-2966	685	9	for	for	ADP
cblr-2966	685	10	several	several	ADJ
cblr-2966	685	11	reasons	reason	NOUN
cblr-2966	685	12	:	:	PUNCT
cblr-2966	685	13	(	(	PUNCT
cblr-2966	685	14	1	1	X
cblr-2966	685	15	)	)	PUNCT
cblr-2966	686	1	[	[	X
cblr-2966	686	2	vol	vol	NOUN
cblr-2966	686	3	.	.	PUNCT
cblr-2966	686	4	2008	2008	NUM
cblr-2966	687	1	rethinking	rethink	VERB
cblr-2966	687	2	assignee	assignee	NOUN
cblr-2966	687	3	liability	liability	NOUN
cblr-2966	687	4	2	2	NUM
cblr-2966	687	5	.	.	PUNCT
cblr-2966	687	6	using	use	VERB
cblr-2966	687	7	rate	rate	NOUN
cblr-2966	687	8	spread	spread	VERB
cblr-2966	687	9	instead	instead	ADV
cblr-2966	687	10	of	of	ADP
cblr-2966	687	11	subprime	subprime	ADJ
cblr-2966	687	12	lender	lender	NOUN
cblr-2966	687	13	list	list	NOUN
cblr-2966	687	14	second	second	ADV
cblr-2966	687	15	,	,	PUNCT
cblr-2966	687	16	this	this	DET
cblr-2966	687	17	note	note	NOUN
cblr-2966	687	18	uses	use	VERB
cblr-2966	687	19	the	the	DET
cblr-2966	687	20	hmda	hmda	ADJ
cblr-2966	687	21	supplied	supply	VERB
cblr-2966	687	22	interest	interest	NOUN
cblr-2966	687	23	rate	rate	NOUN
cblr-2966	687	24	data	datum	NOUN
cblr-2966	687	25	(	(	PUNCT
cblr-2966	687	26	rate	rate	NOUN
cblr-2966	687	27	spread	spread	NOUN
cblr-2966	687	28	)	)	PUNCT
cblr-2966	687	29	to	to	PART
cblr-2966	687	30	determine	determine	VERB
cblr-2966	687	31	whether	whether	SCONJ
cblr-2966	687	32	a	a	DET
cblr-2966	687	33	loan	loan	NOUN
cblr-2966	687	34	is	be	AUX
cblr-2966	687	35	"	"	PUNCT
cblr-2966	687	36	high	high	ADJ
cblr-2966	687	37	cost	cost	NOUN
cblr-2966	687	38	,	,	PUNCT
cblr-2966	687	39	"	"	PUNCT
cblr-2966	687	40	instead	instead	ADV
cblr-2966	687	41	of	of	ADP
cblr-2966	687	42	the	the	DET
cblr-2966	687	43	more	more	ADV
cblr-2966	687	44	typical	typical	ADJ
cblr-2966	687	45	department	department	NOUN
cblr-2966	687	46	of	of	ADP
cblr-2966	687	47	housing	housing	PROPN
cblr-2966	687	48	and	and	CCONJ
cblr-2966	687	49	urban	urban	PROPN
cblr-2966	687	50	development	development	PROPN
cblr-2966	687	51	(	(	PUNCT
cblr-2966	687	52	hud	hud	PROPN
cblr-2966	687	53	)	)	PUNCT
cblr-2966	687	54	list	list	NOUN
cblr-2966	687	55	of	of	ADP
cblr-2966	687	56	subprime	subprime	ADJ
cblr-2966	687	57	lenders.139	lenders.139	NOUN
cblr-2966	687	58	while	while	SCONJ
cblr-2966	687	59	either	either	CCONJ
cblr-2966	687	60	approach	approach	NOUN
cblr-2966	687	61	introduces	introduce	VERB
cblr-2966	687	62	considerable	considerable	ADJ
cblr-2966	687	63	noise	noise	NOUN
cblr-2966	687	64	into	into	ADP
cblr-2966	687	65	the	the	DET
cblr-2966	687	66	sample	sample	NOUN
cblr-2966	687	67	,	,	PUNCT
cblr-2966	687	68	using	use	VERB
cblr-2966	687	69	the	the	DET
cblr-2966	687	70	rate	rate	NOUN
cblr-2966	687	71	spread	spread	VERB
cblr-2966	687	72	data	datum	NOUN
cblr-2966	687	73	,	,	PUNCT
cblr-2966	687	74	which	which	PRON
cblr-2966	687	75	has	have	AUX
cblr-2966	687	76	only	only	ADV
cblr-2966	687	77	been	be	AUX
cblr-2966	687	78	available	available	ADJ
cblr-2966	687	79	since	since	SCONJ
cblr-2966	687	80	2004	2004	NUM
cblr-2966	687	81	,	,	PUNCT
cblr-2966	687	82	introduces	introduce	NOUN
cblr-2966	687	83	noise	noise	NOUN
cblr-2966	687	84	that	that	PRON
cblr-2966	687	85	is	be	AUX
cblr-2966	687	86	more	more	ADV
cblr-2966	687	87	controllable	controllable	ADJ
cblr-2966	687	88	.	.	PUNCT
cblr-2966	688	1	hud	hud	PROPN
cblr-2966	688	2	compiles	compile	VERB
cblr-2966	688	3	a	a	DET
cblr-2966	688	4	list	list	NOUN
cblr-2966	688	5	each	each	DET
cblr-2966	688	6	year	year	NOUN
cblr-2966	688	7	of	of	ADP
cblr-2966	688	8	lenders	lender	NOUN
cblr-2966	688	9	that	that	SCONJ
cblr-2966	688	10	it	it	PRON
cblr-2966	688	11	believes	believe	VERB
cblr-2966	688	12	to	to	PART
cblr-2966	688	13	be	be	AUX
cblr-2966	688	14	subprime	subprime	ADJ
cblr-2966	688	15	lenders	lender	NOUN
cblr-2966	688	16	.	.	PUNCT
cblr-2966	689	1	it	it	PRON
cblr-2966	689	2	gathers	gather	VERB
cblr-2966	689	3	this	this	DET
cblr-2966	689	4	list	list	NOUN
cblr-2966	689	5	by	by	ADP
cblr-2966	689	6	determining	determine	VERB
cblr-2966	689	7	which	which	PRON
cblr-2966	689	8	lenders	lender	NOUN
cblr-2966	689	9	,	,	PUNCT
cblr-2966	689	10	based	base	VERB
cblr-2966	689	11	on	on	ADP
cblr-2966	689	12	other	other	ADJ
cblr-2966	689	13	characteristics	characteristic	NOUN
cblr-2966	689	14	of	of	ADP
cblr-2966	689	15	hmda	hmda	NOUN
cblr-2966	689	16	,	,	PUNCT
cblr-2966	689	17	might	might	AUX
cblr-2966	689	18	be	be	AUX
cblr-2966	689	19	subprime	subprime	ADJ
cblr-2966	689	20	,	,	PUNCT
cblr-2966	689	21	and	and	CCONJ
cblr-2966	689	22	then	then	ADV
cblr-2966	689	23	contacting	contact	VERB
cblr-2966	689	24	them	they	PRON
cblr-2966	689	25	to	to	PART
cblr-2966	689	26	ask	ask	VERB
cblr-2966	689	27	if	if	SCONJ
cblr-2966	689	28	they	they	PRON
cblr-2966	689	29	are	be	AUX
cblr-2966	689	30	subprime	subprime	ADJ
cblr-2966	689	31	specialists	specialist	NOUN
cblr-2966	689	32	.	.	PUNCT
cblr-2966	690	1	if	if	SCONJ
cblr-2966	690	2	subprime	subprime	ADJ
cblr-2966	690	3	loans	loan	NOUN
cblr-2966	690	4	account	account	VERB
cblr-2966	690	5	for	for	ADP
cblr-2966	690	6	50	50	NUM
cblr-2966	690	7	%	%	NOUN
cblr-2966	690	8	of	of	ADP
cblr-2966	690	9	a	a	DET
cblr-2966	690	10	lender	lender	NOUN
cblr-2966	690	11	's	's	PART
cblr-2966	690	12	business	business	NOUN
cblr-2966	690	13	,	,	PUNCT
cblr-2966	690	14	or	or	CCONJ
cblr-2966	690	15	if	if	SCONJ
cblr-2966	690	16	the	the	DET
cblr-2966	690	17	lender	lender	NOUN
cblr-2966	690	18	self	self	NOUN
cblr-2966	690	19	-	-	PUNCT
cblr-2966	690	20	identifies	identifie	NOUN
cblr-2966	690	21	as	as	ADP
cblr-2966	690	22	a	a	DET
cblr-2966	690	23	subprime	subprime	ADJ
cblr-2966	690	24	lender	lender	NOUN
cblr-2966	690	25	,	,	PUNCT
cblr-2966	690	26	then	then	ADV
cblr-2966	690	27	all	all	PRON
cblr-2966	690	28	of	of	ADP
cblr-2966	690	29	that	that	DET
cblr-2966	690	30	lender	lender	NOUN
cblr-2966	690	31	's	's	PART
cblr-2966	690	32	loans	loan	NOUN
cblr-2966	690	33	are	be	AUX
cblr-2966	690	34	counted	count	VERB
cblr-2966	690	35	as	as	ADP
cblr-2966	690	36	subprime	subprime	ADJ
cblr-2966	690	37	.	.	PUNCT
cblr-2966	691	1	this	this	DET
cblr-2966	691	2	approach	approach	NOUN
cblr-2966	691	3	introduces	introduce	VERB
cblr-2966	691	4	non	non	ADJ
cblr-2966	691	5	-	-	ADJ
cblr-2966	691	6	random	random	ADJ
cblr-2966	691	7	noise	noise	NOUN
cblr-2966	691	8	,	,	PUNCT
cblr-2966	691	9	for	for	ADP
cblr-2966	691	10	which	which	PRON
cblr-2966	691	11	other	other	ADJ
cblr-2966	691	12	variables	variable	NOUN
cblr-2966	691	13	can	can	AUX
cblr-2966	691	14	not	not	PART
cblr-2966	691	15	control	control	VERB
cblr-2966	691	16	.	.	PUNCT
cblr-2966	692	1	4	4	NUM
cblr-2966	692	2	°	°	NOUN
cblr-2966	692	3	the	the	DET
cblr-2966	692	4	rate	rate	NOUN
cblr-2966	692	5	spread	spread	VERB
cblr-2966	692	6	interest	interest	NOUN
cblr-2966	692	7	rate	rate	NOUN
cblr-2966	692	8	pricing	pricing	NOUN
cblr-2966	692	9	of	of	ADP
cblr-2966	692	10	loans	loan	NOUN
cblr-2966	692	11	is	be	AUX
cblr-2966	692	12	the	the	DET
cblr-2966	692	13	approach	approach	NOUN
cblr-2966	692	14	adopted	adopt	VERB
cblr-2966	692	15	here	here	ADV
cblr-2966	692	16	.	.	PUNCT
cblr-2966	693	1	rate	rate	NOUN
cblr-2966	693	2	spread	spread	VERB
cblr-2966	693	3	refers	refer	VERB
cblr-2966	693	4	to	to	ADP
cblr-2966	693	5	the	the	DET
cblr-2966	693	6	difference	difference	NOUN
cblr-2966	693	7	between	between	ADP
cblr-2966	693	8	the	the	DET
cblr-2966	693	9	interest	interest	NOUN
cblr-2966	693	10	rate	rate	NOUN
cblr-2966	693	11	on	on	ADP
cblr-2966	693	12	the	the	DET
cblr-2966	693	13	mortgage	mortgage	NOUN
cblr-2966	693	14	in	in	ADP
cblr-2966	693	15	question	question	NOUN
cblr-2966	693	16	,	,	PUNCT
cblr-2966	693	17	and	and	CCONJ
cblr-2966	693	18	a	a	DET
cblr-2966	693	19	comparable	comparable	ADJ
cblr-2966	693	20	treasury	treasury	NOUN
cblr-2966	693	21	note	note	NOUN
cblr-2966	693	22	.	.	PUNCT
cblr-2966	694	1	a	a	DET
cblr-2966	694	2	rate	rate	NOUN
cblr-2966	694	3	spread	spread	NOUN
cblr-2966	694	4	appears	appear	VERB
cblr-2966	694	5	in	in	ADP
cblr-2966	694	6	hmda	hmda	ADJ
cblr-2966	694	7	data	datum	NOUN
cblr-2966	694	8	only	only	ADV
cblr-2966	694	9	if	if	SCONJ
cblr-2966	694	10	it	it	PRON
cblr-2966	694	11	exceeds	exceed	VERB
cblr-2966	694	12	three	three	NUM
cblr-2966	694	13	points	point	NOUN
cblr-2966	694	14	on	on	ADP
cblr-2966	694	15	a	a	DET
cblr-2966	694	16	first	first	ADJ
cblr-2966	694	17	lien	lien	NOUN
cblr-2966	694	18	or	or	CCONJ
cblr-2966	694	19	five	five	NUM
cblr-2966	694	20	points	point	NOUN
cblr-2966	694	21	on	on	ADP
cblr-2966	694	22	a	a	DET
cblr-2966	694	23	second	second	ADJ
cblr-2966	694	24	lien.141	lien.141	NOUN
cblr-2966	694	25	however	however	ADV
cblr-2966	694	26	,	,	PUNCT
cblr-2966	694	27	treasury	treasury	PROPN
cblr-2966	694	28	notes	note	NOUN
cblr-2966	694	29	are	be	AUX
cblr-2966	694	30	set	set	VERB
cblr-2966	694	31	to	to	ADP
cblr-2966	694	32	a	a	DET
cblr-2966	694	33	"	"	PUNCT
cblr-2966	694	34	yield	yield	NOUN
cblr-2966	694	35	curve	curve	NOUN
cblr-2966	694	36	,	,	PUNCT
cblr-2966	694	37	"	"	PUNCT
cblr-2966	694	38	which	which	PRON
cblr-2966	694	39	constantly	constantly	ADV
cblr-2966	694	40	changes	change	VERB
cblr-2966	694	41	the	the	DET
cblr-2966	694	42	underlying	underlying	ADJ
cblr-2966	694	43	interest	interest	NOUN
cblr-2966	694	44	rate	rate	NOUN
cblr-2966	694	45	.	.	PUNCT
cblr-2966	695	1	the	the	DET
cblr-2966	695	2	shape	shape	NOUN
cblr-2966	695	3	and	and	CCONJ
cblr-2966	695	4	position	position	NOUN
cblr-2966	695	5	of	of	ADP
cblr-2966	695	6	the	the	DET
cblr-2966	695	7	yield	yield	NOUN
cblr-2966	695	8	curve	curve	NOUN
cblr-2966	695	9	the	the	DET
cblr-2966	695	10	demographics	demographic	NOUN
cblr-2966	695	11	might	might	AUX
cblr-2966	695	12	not	not	PART
cblr-2966	695	13	be	be	AUX
cblr-2966	695	14	the	the	DET
cblr-2966	695	15	relevant	relevant	ADJ
cblr-2966	695	16	ones	one	NOUN
cblr-2966	695	17	to	to	PART
cblr-2966	695	18	determine	determine	VERB
cblr-2966	695	19	an	an	DET
cblr-2966	695	20	economic	economic	ADJ
cblr-2966	695	21	region	region	NOUN
cblr-2966	695	22	,	,	PUNCT
cblr-2966	695	23	(	(	PUNCT
cblr-2966	695	24	2	2	X
cblr-2966	695	25	)	)	PUNCT
cblr-2966	695	26	there	there	PRON
cblr-2966	695	27	may	may	AUX
cblr-2966	695	28	be	be	AUX
cblr-2966	695	29	other	other	ADJ
cblr-2966	695	30	,	,	PUNCT
cblr-2966	695	31	non	non	ADJ
cblr-2966	695	32	-	-	ADJ
cblr-2966	695	33	economic	economic	ADJ
cblr-2966	695	34	related	related	ADJ
cblr-2966	695	35	factors	factor	NOUN
cblr-2966	695	36	that	that	PRON
cblr-2966	695	37	influence	influence	VERB
cblr-2966	695	38	subprime	subprime	ADJ
cblr-2966	695	39	lending	lending	NOUN
cblr-2966	695	40	,	,	PUNCT
cblr-2966	695	41	(	(	PUNCT
cblr-2966	695	42	3	3	X
cblr-2966	695	43	)	)	PUNCT
cblr-2966	695	44	the	the	DET
cblr-2966	695	45	treatment	treatment	NOUN
cblr-2966	695	46	effect	effect	NOUN
cblr-2966	695	47	specified	specify	VERB
cblr-2966	695	48	,	,	PUNCT
cblr-2966	695	49	assignee	assignee	NOUN
cblr-2966	695	50	liability	liability	NOUN
cblr-2966	695	51	law	law	NOUN
cblr-2966	695	52	,	,	PUNCT
cblr-2966	695	53	may	may	AUX
cblr-2966	695	54	be	be	AUX
cblr-2966	695	55	too	too	ADV
cblr-2966	695	56	limited	limited	ADJ
cblr-2966	695	57	for	for	ADP
cblr-2966	695	58	the	the	DET
cblr-2966	695	59	overall	overall	ADJ
cblr-2966	695	60	analysis	analysis	NOUN
cblr-2966	695	61	.	.	PUNCT
cblr-2966	696	1	nevertheless	nevertheless	ADV
cblr-2966	696	2	,	,	PUNCT
cblr-2966	696	3	propensity	propensity	NOUN
cblr-2966	696	4	score	score	NOUN
cblr-2966	696	5	matching	matching	NOUN
cblr-2966	696	6	could	could	AUX
cblr-2966	696	7	provide	provide	VERB
cblr-2966	696	8	an	an	DET
cblr-2966	696	9	excellent	excellent	ADJ
cblr-2966	696	10	approach	approach	NOUN
cblr-2966	696	11	for	for	ADP
cblr-2966	696	12	further	further	ADJ
cblr-2966	696	13	study	study	NOUN
cblr-2966	696	14	.	.	PUNCT
cblr-2966	697	1	139	139	NUM
cblr-2966	697	2	note	note	VERB
cblr-2966	697	3	the	the	DET
cblr-2966	697	4	data	datum	NOUN
cblr-2966	697	5	supplied	supply	VERB
cblr-2966	697	6	by	by	ADP
cblr-2966	697	7	hmda	hmda	PROPN
cblr-2966	697	8	is	be	AUX
cblr-2966	697	9	actually	actually	ADV
cblr-2966	697	10	"	"	PUNCT
cblr-2966	697	11	rate	rate	NOUN
cblr-2966	697	12	spread	spread	NOUN
cblr-2966	697	13	,	,	PUNCT
cblr-2966	697	14	"	"	PUNCT
cblr-2966	697	15	defined	define	VERB
cblr-2966	697	16	as	as	ADP
cblr-2966	697	17	three	three	NUM
cblr-2966	697	18	percentage	percentage	NOUN
cblr-2966	697	19	points	point	NOUN
cblr-2966	697	20	above	above	ADP
cblr-2966	697	21	the	the	DET
cblr-2966	697	22	comparable	comparable	ADJ
cblr-2966	697	23	treasury	treasury	NOUN
cblr-2966	697	24	note	note	NOUN
cblr-2966	697	25	.	.	PUNCT
cblr-2966	698	1	see	see	VERB
cblr-2966	698	2	federal	federal	ADJ
cblr-2966	698	3	financial	financial	ADJ
cblr-2966	698	4	institutions	institution	NOUN
cblr-2966	698	5	examination	examination	PROPN
cblr-2966	698	6	council	council	PROPN
cblr-2966	698	7	,	,	PUNCT
cblr-2966	698	8	a	a	DET
cblr-2966	698	9	guide	guide	NOUN
cblr-2966	698	10	to	to	ADP
cblr-2966	698	11	hmda	hmda	ADJ
cblr-2966	698	12	reporting	reporting	NOUN
cblr-2966	698	13	(	(	PUNCT
cblr-2966	698	14	2003	2003	NUM
cblr-2966	698	15	)	)	PUNCT
cblr-2966	698	16	,	,	PUNCT
cblr-2966	698	17	http://www.ffiec.gov/hmda/pdf/2004guide.pdf	http://www.ffiec.gov/hmda/pdf/2004guide.pdf	NOUN
cblr-2966	698	18	;	;	PUNCT
cblr-2966	698	19	bostic	bostic	PROPN
cblr-2966	698	20	et	et	PROPN
cblr-2966	698	21	al	al	PROPN
cblr-2966	698	22	.	.	PROPN
cblr-2966	698	23	,	,	PUNCT
cblr-2966	698	24	supra	supra	PROPN
cblr-2966	698	25	note	note	VERB
cblr-2966	698	26	7	7	NUM
cblr-2966	698	27	.	.	SYM
cblr-2966	698	28	140	140	NUM
cblr-2966	698	29	see	see	VERB
cblr-2966	698	30	calem	calem	PROPN
cblr-2966	698	31	et	et	PROPN
cblr-2966	698	32	al	al	PROPN
cblr-2966	698	33	.	.	PROPN
cblr-2966	698	34	,	,	PUNCT
cblr-2966	698	35	supra	supra	PROPN
cblr-2966	698	36	note	note	NOUN
cblr-2966	698	37	111	111	NUM
cblr-2966	698	38	.	.	PUNCT
cblr-2966	698	39	141	141	NUM
cblr-2966	698	40	see	see	VERB
cblr-2966	698	41	a	a	DET
cblr-2966	698	42	guide	guide	NOUN
cblr-2966	698	43	to	to	ADP
cblr-2966	698	44	hmda	hmda	ADJ
cblr-2966	698	45	reporting	reporting	NOUN
cblr-2966	698	46	,	,	PUNCT
cblr-2966	698	47	supra	supra	PROPN
cblr-2966	698	48	note	note	NOUN
cblr-2966	698	49	139	139	NUM
cblr-2966	698	50	.	.	PUNCT
cblr-2966	699	1	no	no	INTJ
cblr-2966	699	2	.	.	PUNCT
cblr-2966	700	1	3:1021	3:1021	NUM
cblr-2966	700	2	]	]	X
cblr-2966	700	3	determines	determine	VERB
cblr-2966	700	4	both	both	CCONJ
cblr-2966	700	5	the	the	DET
cblr-2966	700	6	absolute	absolute	ADJ
cblr-2966	700	7	and	and	CCONJ
cblr-2966	700	8	the	the	DET
cblr-2966	700	9	relative	relative	ADJ
cblr-2966	700	10	prices	price	NOUN
cblr-2966	700	11	of	of	ADP
cblr-2966	700	12	short	short	ADJ
cblr-2966	700	13	and	and	CCONJ
cblr-2966	700	14	long	long	ADJ
cblr-2966	700	15	term	term	NOUN
cblr-2966	700	16	notes	note	NOUN
cblr-2966	700	17	.	.	PUNCT
cblr-2966	701	1	142	142	NUM
cblr-2966	701	2	therefore	therefore	ADV
cblr-2966	701	3	,	,	PUNCT
cblr-2966	701	4	a	a	DET
cblr-2966	701	5	shift	shift	NOUN
cblr-2966	701	6	in	in	ADP
cblr-2966	701	7	the	the	DET
cblr-2966	701	8	yield	yield	NOUN
cblr-2966	701	9	curve	curve	NOUN
cblr-2966	701	10	can	can	AUX
cblr-2966	701	11	cause	cause	VERB
cblr-2966	701	12	loans	loan	NOUN
cblr-2966	701	13	to	to	PART
cblr-2966	701	14	be	be	AUX
cblr-2966	701	15	,	,	PUNCT
cblr-2966	701	16	or	or	CCONJ
cblr-2966	701	17	not	not	PART
cblr-2966	701	18	to	to	PART
cblr-2966	701	19	be	be	AUX
cblr-2966	701	20	,	,	PUNCT
cblr-2966	701	21	reported	report	VERB
cblr-2966	701	22	despite	despite	SCONJ
cblr-2966	701	23	no	no	DET
cblr-2966	701	24	change	change	NOUN
cblr-2966	701	25	in	in	ADP
cblr-2966	701	26	interest	interest	NOUN
cblr-2966	701	27	rate	rate	NOUN
cblr-2966	701	28	of	of	ADP
cblr-2966	701	29	the	the	DET
cblr-2966	701	30	loan	loan	NOUN
cblr-2966	701	31	itself	itself	PRON
cblr-2966	701	32	.	.	PUNCT
cblr-2966	701	33	'	'	PUNCT
cblr-2966	702	1	moreover	moreover	ADV
cblr-2966	702	2	,	,	PUNCT
cblr-2966	702	3	in	in	ADP
cblr-2966	702	4	2004	2004	NUM
cblr-2966	702	5	,	,	PUNCT
cblr-2966	702	6	there	there	PRON
cblr-2966	702	7	was	be	VERB
cblr-2966	702	8	a	a	DET
cblr-2966	702	9	large	large	ADJ
cblr-2966	702	10	shift	shift	NOUN
cblr-2966	702	11	in	in	ADP
cblr-2966	702	12	the	the	DET
cblr-2966	702	13	yield	yield	NOUN
cblr-2966	702	14	curve	curve	NOUN
cblr-2966	702	15	,	,	PUNCT
cblr-2966	702	16	causing	cause	VERB
cblr-2966	702	17	it	it	PRON
cblr-2966	702	18	to	to	PART
cblr-2966	702	19	flatten	flatten	VERB
cblr-2966	702	20	-	-	PUNCT
cblr-2966	702	21	out	out	NOUN
cblr-2966	702	22	and	and	CCONJ
cblr-2966	702	23	price	price	VERB
cblr-2966	702	24	long	long	ADJ
cblr-2966	702	25	-	-	PUNCT
cblr-2966	702	26	term	term	NOUN
cblr-2966	702	27	and	and	CCONJ
cblr-2966	702	28	short	short	ADJ
cblr-2966	702	29	-	-	PUNCT
cblr-2966	702	30	term	term	NOUN
cblr-2966	702	31	loans	loan	NOUN
cblr-2966	702	32	similarly	similarly	ADV
cblr-2966	702	33	.	.	PUNCT
cblr-2966	703	1	4	4	NUM
cblr-2966	703	2	1	1	NUM
cblr-2966	703	3	yet	yet	ADV
cblr-2966	703	4	,	,	PUNCT
cblr-2966	703	5	since	since	SCONJ
cblr-2966	703	6	that	that	DET
cblr-2966	703	7	time	time	NOUN
cblr-2966	703	8	,	,	PUNCT
cblr-2966	703	9	the	the	DET
cblr-2966	703	10	yield	yield	NOUN
cblr-2966	703	11	curve	curve	NOUN
cblr-2966	703	12	has	have	AUX
cblr-2966	703	13	changed	change	VERB
cblr-2966	703	14	very	very	ADV
cblr-2966	703	15	little	little	ADV
cblr-2966	703	16	,	,	PUNCT
cblr-2966	703	17	making	make	VERB
cblr-2966	703	18	comparisons	comparison	NOUN
cblr-2966	703	19	between	between	ADP
cblr-2966	703	20	2005	2005	NUM
cblr-2966	703	21	and	and	CCONJ
cblr-2966	703	22	2006	2006	NUM
cblr-2966	703	23	relatively	relatively	ADV
cblr-2966	703	24	accurate	accurate	ADJ
cblr-2966	703	25	and	and	CCONJ
cblr-2966	703	26	allowing	allow	VERB
cblr-2966	703	27	one	one	NUM
cblr-2966	703	28	to	to	PART
cblr-2966	703	29	control	control	VERB
cblr-2966	703	30	for	for	ADP
cblr-2966	703	31	2004	2004	NUM
cblr-2966	703	32	with	with	ADP
cblr-2966	703	33	year	year	NOUN
cblr-2966	703	34	dummy	dummy	ADJ
cblr-2966	703	35	variables	variable	NOUN
cblr-2966	703	36	.	.	PUNCT
cblr-2966	704	1	'45	'45	NUM
cblr-2966	704	2	while	while	SCONJ
cblr-2966	704	3	this	this	DET
cblr-2966	704	4	approach	approach	NOUN
cblr-2966	704	5	still	still	ADV
cblr-2966	704	6	creates	create	VERB
cblr-2966	704	7	noise	noise	NOUN
cblr-2966	704	8	,	,	PUNCT
cblr-2966	704	9	it	it	PRON
cblr-2966	704	10	is	be	AUX
cblr-2966	704	11	predictable	predictable	ADJ
cblr-2966	704	12	.	.	PUNCT
cblr-2966	705	1	46	46	NUM
cblr-2966	705	2	3	3	NUM
cblr-2966	705	3	.	.	PUNCT
cblr-2966	705	4	comparing	compare	VERB
cblr-2966	705	5	assignee	assignee	NOUN
cblr-2966	705	6	liability	liability	NOUN
cblr-2966	705	7	provisions	provision	NOUN
cblr-2966	705	8	third	third	ADV
cblr-2966	705	9	,	,	PUNCT
cblr-2966	705	10	in	in	ADP
cblr-2966	705	11	order	order	NOUN
cblr-2966	705	12	to	to	PART
cblr-2966	705	13	gauge	gauge	VERB
cblr-2966	705	14	the	the	DET
cblr-2966	705	15	severity	severity	NOUN
cblr-2966	705	16	of	of	ADP
cblr-2966	705	17	assignee	assignee	NOUN
cblr-2966	705	18	liability	liability	NOUN
cblr-2966	705	19	provisions	provision	NOUN
cblr-2966	705	20	,	,	PUNCT
cblr-2966	705	21	this	this	DET
cblr-2966	705	22	note	note	NOUN
cblr-2966	705	23	uses	use	VERB
cblr-2966	705	24	an	an	DET
cblr-2966	705	25	index	index	NOUN
cblr-2966	705	26	developed	develop	VERB
cblr-2966	705	27	by	by	ADP
cblr-2966	705	28	s&p.1	s&p.1	PROPN
cblr-2966	705	29	47	47	NUM
cblr-2966	705	30	142	142	NUM
cblr-2966	705	31	see	see	VERB
cblr-2966	705	32	hud	hud	PROPN
cblr-2966	705	33	subprime	subprime	NOUN
cblr-2966	705	34	and	and	CCONJ
cblr-2966	705	35	manufactured	manufacture	VERB
cblr-2966	705	36	home	home	NOUN
cblr-2966	705	37	lender	lender	NOUN
cblr-2966	705	38	list	list	NOUN
cblr-2966	705	39	,	,	PUNCT
cblr-2966	705	40	http://www.huduser.org/datasets/manu.html	http://www.huduser.org/datasets/manu.html	PROPN
cblr-2966	705	41	(	(	PUNCT
cblr-2966	705	42	last	last	ADV
cblr-2966	705	43	visited	visit	VERB
cblr-2966	705	44	dec	dec	PROPN
cblr-2966	705	45	.	.	PROPN
cblr-2966	705	46	3	3	NUM
cblr-2966	705	47	,	,	PUNCT
cblr-2966	705	48	2008	2008	NUM
cblr-2966	705	49	)	)	PUNCT
cblr-2966	705	50	.	.	PUNCT
cblr-2966	706	1	143	143	NUM
cblr-2966	706	2	see	see	VERB
cblr-2966	706	3	avery	avery	PROPN
cblr-2966	706	4	et	et	PROPN
cblr-2966	706	5	al	al	PROPN
cblr-2966	706	6	.	.	PROPN
cblr-2966	706	7	,	,	PUNCT
cblr-2966	706	8	supra	supra	PROPN
cblr-2966	706	9	note	note	PROPN
cblr-2966	706	10	14	14	NUM
cblr-2966	706	11	,	,	PUNCT
cblr-2966	706	12	at	at	ADP
cblr-2966	706	13	a142	a142	PROPN
cblr-2966	706	14	(	(	PUNCT
cblr-2966	706	15	explaining	explain	VERB
cblr-2966	706	16	the	the	DET
cblr-2966	706	17	hmda	hmda	ADJ
cblr-2966	706	18	yield	yield	NOUN
cblr-2966	706	19	curve	curve	NOUN
cblr-2966	706	20	effect	effect	NOUN
cblr-2966	706	21	)	)	PUNCT
cblr-2966	706	22	.	.	PUNCT
cblr-2966	707	1	14	14	NUM
cblr-2966	707	2	see	see	VERB
cblr-2966	707	3	i	i	PRON
cblr-2966	707	4	d.	d.	PROPN
cblr-2966	707	5	141	141	NUM
cblr-2966	707	6	see	see	NOUN
cblr-2966	707	7	,	,	PUNCT
cblr-2966	707	8	e.g	e.g	PROPN
cblr-2966	707	9	,	,	PUNCT
cblr-2966	707	10	i	i	PRON
cblr-2966	707	11	d.	d.	PROPN
cblr-2966	707	12	at	at	ADP
cblr-2966	707	13	a143	a143	PROPN
cblr-2966	707	14	;	;	PUNCT
cblr-2966	707	15	frequently	frequently	ADV
cblr-2966	707	16	asked	ask	VERB
cblr-2966	707	17	questions	question	NOUN
cblr-2966	707	18	about	about	ADP
cblr-2966	707	19	the	the	DET
cblr-2966	707	20	new	new	ADJ
cblr-2966	707	21	hmda	hmda	ADJ
cblr-2966	707	22	data	datum	NOUN
cblr-2966	707	23	,	,	PUNCT
cblr-2966	707	24	http://www.federalreserve.gov/newsevents/press/bcreg/bcreg	http://www.federalreserve.gov/newsevents/press/bcreg/bcreg	PROPN
cblr-2966	707	25	20060403al.pdf	20060403al.pdf	PROPN
cblr-2966	707	26	(	(	PUNCT
cblr-2966	707	27	last	last	ADV
cblr-2966	707	28	visited	visit	VERB
cblr-2966	707	29	dec	dec	PROPN
cblr-2966	707	30	.	.	PROPN
cblr-2966	707	31	3	3	NUM
cblr-2966	707	32	,	,	PUNCT
cblr-2966	707	33	2008	2008	NUM
cblr-2966	707	34	)	)	PUNCT
cblr-2966	707	35	.	.	PUNCT
cblr-2966	708	1	146	146	NUM
cblr-2966	708	2	part	part	NOUN
cblr-2966	708	3	of	of	ADP
cblr-2966	708	4	the	the	DET
cblr-2966	708	5	previous	previous	ADJ
cblr-2966	708	6	reluctance	reluctance	NOUN
cblr-2966	708	7	of	of	ADP
cblr-2966	708	8	researchers	researcher	NOUN
cblr-2966	708	9	to	to	PART
cblr-2966	708	10	use	use	VERB
cblr-2966	708	11	this	this	DET
cblr-2966	708	12	data	datum	NOUN
cblr-2966	708	13	was	be	AUX
cblr-2966	708	14	due	due	ADJ
cblr-2966	708	15	to	to	ADP
cblr-2966	708	16	suggestions	suggestion	NOUN
cblr-2966	708	17	by	by	ADP
cblr-2966	708	18	lenders	lender	NOUN
cblr-2966	708	19	and	and	CCONJ
cblr-2966	708	20	hud	hud	PROPN
cblr-2966	708	21	that	that	SCONJ
cblr-2966	708	22	there	there	PRON
cblr-2966	708	23	were	be	VERB
cblr-2966	708	24	reporting	report	VERB
cblr-2966	708	25	errors	error	NOUN
cblr-2966	708	26	in	in	ADP
cblr-2966	708	27	2004	2004	NUM
cblr-2966	708	28	,	,	PUNCT
cblr-2966	708	29	the	the	DET
cblr-2966	708	30	first	first	ADJ
cblr-2966	708	31	year	year	NOUN
cblr-2966	708	32	of	of	ADP
cblr-2966	708	33	rate	rate	NOUN
cblr-2966	708	34	spread	spread	VERB
cblr-2966	708	35	information	information	NOUN
cblr-2966	708	36	collection	collection	NOUN
cblr-2966	708	37	.	.	PUNCT
cblr-2966	709	1	bostic	bostic	PROPN
cblr-2966	709	2	et	et	PROPN
cblr-2966	709	3	al	al	PROPN
cblr-2966	709	4	.	.	PROPN
cblr-2966	709	5	,	,	PUNCT
cblr-2966	709	6	supra	supra	PROPN
cblr-2966	709	7	note	note	PROPN
cblr-2966	709	8	7	7	NUM
cblr-2966	709	9	,	,	PUNCT
cblr-2966	709	10	at	at	ADP
cblr-2966	709	11	18	18	NUM
cblr-2966	709	12	.	.	PUNCT
cblr-2966	710	1	however	however	ADV
cblr-2966	710	2	,	,	PUNCT
cblr-2966	710	3	some	some	PRON
cblr-2966	710	4	of	of	ADP
cblr-2966	710	5	the	the	DET
cblr-2966	710	6	reported	report	VERB
cblr-2966	710	7	inconsistencies	inconsistency	NOUN
cblr-2966	710	8	were	be	AUX
cblr-2966	710	9	from	from	ADP
cblr-2966	710	10	government	government	NOUN
cblr-2966	710	11	officials	official	NOUN
cblr-2966	710	12	at	at	ADP
cblr-2966	710	13	hud	hud	PROPN
cblr-2966	710	14	calling	call	VERB
cblr-2966	710	15	to	to	PART
cblr-2966	710	16	inquire	inquire	VERB
cblr-2966	710	17	about	about	ADP
cblr-2966	710	18	high	high	ADJ
cblr-2966	710	19	levels	level	NOUN
cblr-2966	710	20	of	of	ADP
cblr-2966	710	21	subprime	subprime	ADJ
cblr-2966	710	22	loans	loan	NOUN
cblr-2966	710	23	from	from	ADP
cblr-2966	710	24	a	a	DET
cblr-2966	710	25	lender	lender	NOUN
cblr-2966	710	26	that	that	PRON
cblr-2966	710	27	had	have	AUX
cblr-2966	710	28	not	not	PART
cblr-2966	710	29	identified	identify	VERB
cblr-2966	710	30	itself	itself	PRON
cblr-2966	710	31	as	as	ADP
cblr-2966	710	32	such	such	ADJ
cblr-2966	710	33	.	.	PUNCT
cblr-2966	711	1	the	the	DET
cblr-2966	711	2	lenders	lender	NOUN
cblr-2966	711	3	would	would	AUX
cblr-2966	711	4	generally	generally	ADV
cblr-2966	711	5	insist	insist	VERB
cblr-2966	711	6	they	they	PRON
cblr-2966	711	7	were	be	AUX
cblr-2966	711	8	not	not	PART
cblr-2966	711	9	per	per	ADP
cblr-2966	711	10	se	se	X
cblr-2966	711	11	subprime	subprime	ADJ
cblr-2966	711	12	lenders	lender	NOUN
cblr-2966	711	13	,	,	PUNCT
cblr-2966	711	14	claims	claim	NOUN
cblr-2966	711	15	of	of	ADP
cblr-2966	711	16	which	which	PRON
cblr-2966	711	17	there	there	PRON
cblr-2966	711	18	is	be	VERB
cblr-2966	711	19	dubious	dubious	ADJ
cblr-2966	711	20	validity	validity	NOUN
cblr-2966	711	21	.	.	PUNCT
cblr-2966	712	1	see	see	VERB
cblr-2966	712	2	hud	hud	PROPN
cblr-2966	712	3	subprime	subprime	PROPN
cblr-2966	712	4	and	and	CCONJ
cblr-2966	712	5	manufactured	manufacture	VERB
cblr-2966	712	6	home	home	NOUN
cblr-2966	712	7	lender	lender	NOUN
cblr-2966	712	8	list	list	NOUN
cblr-2966	712	9	,	,	PUNCT
cblr-2966	712	10	supra	supra	PROPN
cblr-2966	712	11	note	note	PROPN
cblr-2966	712	12	142	142	NUM
cblr-2966	712	13	.	.	PUNCT
cblr-2966	713	1	there	there	PRON
cblr-2966	713	2	is	be	VERB
cblr-2966	713	3	precedent	precedent	NOUN
cblr-2966	713	4	for	for	SCONJ
cblr-2966	713	5	lenders	lender	NOUN
cblr-2966	713	6	underreporting	underreporte	VERB
cblr-2966	713	7	the	the	DET
cblr-2966	713	8	amount	amount	NOUN
cblr-2966	713	9	of	of	ADP
cblr-2966	713	10	subprime	subprime	ADJ
cblr-2966	713	11	lending	lending	NOUN
cblr-2966	713	12	in	in	ADP
cblr-2966	713	13	which	which	PRON
cblr-2966	713	14	they	they	PRON
cblr-2966	713	15	engage	engage	VERB
cblr-2966	713	16	.	.	PUNCT
cblr-2966	714	1	see	see	VERB
cblr-2966	714	2	julia	julia	PROPN
cblr-2966	714	3	forrester	forrester	PROPN
cblr-2966	714	4	,	,	PUNCT
cblr-2966	714	5	still	still	ADV
cblr-2966	714	6	mortgaging	mortgage	VERB
cblr-2966	714	7	the	the	DET
cblr-2966	714	8	american	american	ADJ
cblr-2966	714	9	dream	dream	NOUN
cblr-2966	714	10	:	:	PUNCT
cblr-2966	714	11	predatory	predatory	ADJ
cblr-2966	714	12	lending	lending	NOUN
cblr-2966	714	13	,	,	PUNCT
cblr-2966	714	14	preemption	preemption	NOUN
cblr-2966	714	15	,	,	PUNCT
cblr-2966	714	16	and	and	CCONJ
cblr-2966	714	17	federally	federally	ADV
cblr-2966	714	18	supported	support	VERB
cblr-2966	714	19	lenders	lender	NOUN
cblr-2966	714	20	,	,	PUNCT
cblr-2966	714	21	74	74	NUM
cblr-2966	714	22	u.	u.	NOUN
cblr-2966	714	23	cin	cin	PROPN
cblr-2966	714	24	.	.	PUNCT
cblr-2966	715	1	l.	l.	PROPN
cblr-2966	715	2	rev	rev	PROPN
cblr-2966	715	3	.	.	PROPN
cblr-2966	715	4	1303	1303	NUM
cblr-2966	715	5	,	,	PUNCT
cblr-2966	715	6	1305	1305	NUM
cblr-2966	715	7	-	-	SYM
cblr-2966	715	8	06	06	NUM
cblr-2966	715	9	(	(	PUNCT
cblr-2966	715	10	2006	2006	NUM
cblr-2966	715	11	)	)	PUNCT
cblr-2966	715	12	(	(	PUNCT
cblr-2966	715	13	noting	note	VERB
cblr-2966	715	14	that	that	SCONJ
cblr-2966	715	15	citigroup	citigroup	PROPN
cblr-2966	715	16	admitted	admit	VERB
cblr-2966	715	17	in	in	ADP
cblr-2966	715	18	2005	2005	NUM
cblr-2966	715	19	that	that	SCONJ
cblr-2966	715	20	it	it	PRON
cblr-2966	715	21	had	have	AUX
cblr-2966	715	22	continued	continue	VERB
cblr-2966	715	23	to	to	PART
cblr-2966	715	24	make	make	VERB
cblr-2966	715	25	subprime	subprime	ADJ
cblr-2966	715	26	loans	loan	NOUN
cblr-2966	715	27	despite	despite	SCONJ
cblr-2966	715	28	a	a	DET
cblr-2966	715	29	public	public	ADJ
cblr-2966	715	30	policy	policy	NOUN
cblr-2966	715	31	of	of	ADP
cblr-2966	715	32	not	not	PART
cblr-2966	715	33	making	make	VERB
cblr-2966	715	34	those	those	DET
cblr-2966	715	35	loans	loan	NOUN
cblr-2966	715	36	,	,	PUNCT
cblr-2966	715	37	and	and	CCONJ
cblr-2966	715	38	after	after	ADP
cblr-2966	715	39	a	a	DET
cblr-2966	715	40	large	large	ADJ
cblr-2966	715	41	judgment	judgment	NOUN
cblr-2966	715	42	paid	pay	VERB
cblr-2966	715	43	in	in	ADP
cblr-2966	715	44	2001	2001	NUM
cblr-2966	715	45	for	for	ADP
cblr-2966	715	46	making	make	VERB
cblr-2966	715	47	predatory	predatory	ADJ
cblr-2966	715	48	loans	loan	NOUN
cblr-2966	715	49	)	)	PUNCT
cblr-2966	715	50	.	.	PUNCT
cblr-2966	716	1	147	147	NUM
cblr-2966	716	2	see	see	VERB
cblr-2966	716	3	standard	standard	PROPN
cblr-2966	716	4	&	&	CCONJ
cblr-2966	716	5	poor	poor	PROPN
cblr-2966	716	6	's	's	PART
cblr-2966	716	7	,	,	PUNCT
cblr-2966	716	8	criteria	criterion	NOUN
cblr-2966	716	9	:	:	PUNCT
cblr-2966	716	10	anti	anti	ADJ
cblr-2966	716	11	-	-	ADJ
cblr-2966	716	12	predatory	predatory	ADJ
cblr-2966	716	13	lending	lending	NOUN
cblr-2966	716	14	law	law	NOUN
cblr-2966	716	15	update	update	NOUN
cblr-2966	716	16	,	,	PUNCT
cblr-2966	716	17	ratingsdirect	ratingsdirect	NOUN
cblr-2966	716	18	,	,	PUNCT
cblr-2966	716	19	oct	oct	PROPN
cblr-2966	716	20	.	.	PROPN
cblr-2966	716	21	20	20	NUM
cblr-2966	716	22	,	,	PUNCT
cblr-2966	716	23	2006	2006	NUM
cblr-2966	716	24	.	.	PUNCT
cblr-2966	717	1	col	col	PROPN
cblr-2966	717	2	umbia	umbia	PROPN
cblr-2966	717	3	b	b	PROPN
cblr-2966	717	4	usiness	usiness	PROPN
cblr-2966	717	5	la	la	PROPN
cblr-2966	717	6	w	w	PROPN
cblr-2966	717	7	re	re	PROPN
cblr-2966	717	8	vie	vie	PROPN
cblr-2966	717	9	w	w	PROPN
cblr-2966	718	1	[	[	X
cblr-2966	718	2	vol	vol	NOUN
cblr-2966	718	3	.	.	NOUN
cblr-2966	718	4	2008	2008	NUM
cblr-2966	718	5	this	this	DET
cblr-2966	718	6	index	index	NOUN
cblr-2966	718	7	,	,	PUNCT
cblr-2966	718	8	based	base	VERB
cblr-2966	718	9	on	on	ADP
cblr-2966	718	10	data	datum	NOUN
cblr-2966	718	11	used	use	VERB
cblr-2966	718	12	to	to	PART
cblr-2966	718	13	accurately	accurately	ADV
cblr-2966	718	14	price	price	VERB
cblr-2966	718	15	securitizations	securitization	NOUN
cblr-2966	718	16	from	from	ADP
cblr-2966	718	17	states	state	NOUN
cblr-2966	718	18	with	with	ADP
cblr-2966	718	19	assignee	assignee	NOUN
cblr-2966	718	20	liability	liability	NOUN
cblr-2966	718	21	laws	law	NOUN
cblr-2966	718	22	,	,	PUNCT
cblr-2966	718	23	is	be	AUX
cblr-2966	718	24	a	a	DET
cblr-2966	718	25	more	more	ADV
cblr-2966	718	26	consistent	consistent	ADJ
cblr-2966	718	27	approach	approach	NOUN
cblr-2966	718	28	than	than	ADP
cblr-2966	718	29	the	the	DET
cblr-2966	718	30	legal	legal	ADJ
cblr-2966	718	31	indexing	indexing	NOUN
cblr-2966	718	32	used	use	VERB
cblr-2966	718	33	in	in	ADP
cblr-2966	718	34	other	other	ADJ
cblr-2966	718	35	studies	study	NOUN
cblr-2966	718	36	.	.	PUNCT
cblr-2966	719	1	48	48	NUM
cblr-2966	719	2	the	the	DET
cblr-2966	719	3	s&p	s&p	PROPN
cblr-2966	719	4	index	index	NOUN
cblr-2966	719	5	calculates	calculate	VERB
cblr-2966	719	6	the	the	DET
cblr-2966	719	7	"	"	PUNCT
cblr-2966	719	8	loss	loss	NOUN
cblr-2966	719	9	severity	severity	NOUN
cblr-2966	719	10	"	"	PUNCT
cblr-2966	719	11	for	for	ADP
cblr-2966	719	12	each	each	DET
cblr-2966	719	13	state	state	NOUN
cblr-2966	719	14	based	base	VERB
cblr-2966	719	15	on	on	ADP
cblr-2966	719	16	a	a	DET
cblr-2966	719	17	calculation	calculation	NOUN
cblr-2966	719	18	of	of	ADP
cblr-2966	719	19	the	the	DET
cblr-2966	719	20	potential	potential	ADJ
cblr-2966	719	21	relative	relative	ADJ
cblr-2966	719	22	cost	cost	NOUN
cblr-2966	719	23	to	to	ADP
cblr-2966	719	24	the	the	DET
cblr-2966	719	25	assignee	assignee	NOUN
cblr-2966	719	26	.	.	PUNCT
cblr-2966	719	27	"	"	PUNCT
cblr-2966	720	1	9	9	NUM
cblr-2966	720	2	for	for	ADP
cblr-2966	720	3	example	example	NOUN
cblr-2966	720	4	,	,	PUNCT
cblr-2966	720	5	it	it	PRON
cblr-2966	720	6	calculates	calculate	VERB
cblr-2966	720	7	that	that	SCONJ
cblr-2966	720	8	all	all	DET
cblr-2966	720	9	states	state	NOUN
cblr-2966	720	10	have	have	VERB
cblr-2966	720	11	a	a	DET
cblr-2966	720	12	loss	loss	NOUN
cblr-2966	720	13	severity	severity	NOUN
cblr-2966	720	14	index	index	NOUN
cblr-2966	720	15	of	of	ADP
cblr-2966	720	16	119	119	NUM
cblr-2966	720	17	because	because	SCONJ
cblr-2966	720	18	of	of	ADP
cblr-2966	720	19	hoepa	hoepa	NOUN
cblr-2966	720	20	.	.	PUNCT
cblr-2966	721	1	it	it	PRON
cblr-2966	721	2	then	then	ADV
cblr-2966	721	3	proceeds	proceed	VERB
cblr-2966	721	4	to	to	PART
cblr-2966	721	5	calculate	calculate	VERB
cblr-2966	721	6	the	the	DET
cblr-2966	721	7	loss	loss	NOUN
cblr-2966	721	8	severity	severity	NOUN
cblr-2966	721	9	based	base	VERB
cblr-2966	721	10	on	on	ADP
cblr-2966	721	11	each	each	DET
cblr-2966	721	12	state	state	NOUN
cblr-2966	721	13	law	law	NOUN
cblr-2966	721	14	.	.	PUNCT
cblr-2966	722	1	these	these	DET
cblr-2966	722	2	indexes	index	NOUN
cblr-2966	722	3	range	range	VERB
cblr-2966	722	4	from	from	ADP
cblr-2966	722	5	thirty	thirty	NUM
cblr-2966	722	6	-	-	PUNCT
cblr-2966	722	7	seven	seven	NUM
cblr-2966	722	8	for	for	ADP
cblr-2966	722	9	a	a	DET
cblr-2966	722	10	weak	weak	ADJ
cblr-2966	722	11	ohio	ohio	NOUN
cblr-2966	722	12	law	law	NOUN
cblr-2966	722	13	,	,	PUNCT
cblr-2966	722	14	to	to	ADP
cblr-2966	722	15	275	275	NUM
cblr-2966	722	16	for	for	ADP
cblr-2966	722	17	a	a	DET
cblr-2966	722	18	strong	strong	ADJ
cblr-2966	722	19	north	north	PROPN
cblr-2966	722	20	carolina	carolina	PROPN
cblr-2966	722	21	law	law	NOUN
cblr-2966	722	22	.	.	PUNCT
cblr-2966	722	23	'	'	PUNCT
cblr-2966	722	24	0	0	NUM
cblr-2966	723	1	in	in	ADP
cblr-2966	723	2	order	order	NOUN
cblr-2966	723	3	to	to	PART
cblr-2966	723	4	analyze	analyze	VERB
cblr-2966	723	5	the	the	DET
cblr-2966	723	6	ratings	rating	NOUN
cblr-2966	723	7	,	,	PUNCT
cblr-2966	723	8	the	the	DET
cblr-2966	723	9	variable	variable	NOUN
cblr-2966	723	10	was	be	AUX
cblr-2966	723	11	"	"	PUNCT
cblr-2966	723	12	mean	mean	ADJ
cblr-2966	723	13	-	-	PUNCT
cblr-2966	723	14	centered	center	VERB
cblr-2966	723	15	,	,	PUNCT
cblr-2966	723	16	"	"	PUNCT
cblr-2966	723	17	by	by	ADP
cblr-2966	723	18	calculating	calculate	VERB
cblr-2966	723	19	the	the	DET
cblr-2966	723	20	mean	mean	NOUN
cblr-2966	723	21	and	and	CCONJ
cblr-2966	723	22	subtracting	subtract	VERB
cblr-2966	723	23	it	it	PRON
cblr-2966	723	24	from	from	ADP
cblr-2966	723	25	each	each	DET
cblr-2966	723	26	datapoint	datapoint	NOUN
cblr-2966	723	27	.	.	PUNCT
cblr-2966	724	1	this	this	PRON
cblr-2966	724	2	allows	allow	VERB
cblr-2966	724	3	for	for	ADP
cblr-2966	724	4	calculation	calculation	NOUN
cblr-2966	724	5	of	of	ADP
cblr-2966	724	6	effects	effect	NOUN
cblr-2966	724	7	based	base	VERB
cblr-2966	724	8	on	on	ADP
cblr-2966	724	9	a	a	DET
cblr-2966	724	10	state	state	NOUN
cblr-2966	724	11	having	have	VERB
cblr-2966	724	12	stronger	strong	ADJ
cblr-2966	724	13	or	or	CCONJ
cblr-2966	724	14	weaker	weak	ADJ
cblr-2966	724	15	laws	law	NOUN
cblr-2966	724	16	than	than	ADP
cblr-2966	724	17	the	the	DET
cblr-2966	724	18	average	average	ADJ
cblr-2966	724	19	state	state	NOUN
cblr-2966	724	20	.	.	PUNCT
cblr-2966	725	1	the	the	DET
cblr-2966	725	2	s&p	s&p	PROPN
cblr-2966	725	3	index	index	NOUN
cblr-2966	725	4	is	be	AUX
cblr-2966	725	5	an	an	DET
cblr-2966	725	6	important	important	ADJ
cblr-2966	725	7	tool	tool	NOUN
cblr-2966	725	8	because	because	SCONJ
cblr-2966	725	9	it	it	PRON
cblr-2966	725	10	demonstrates	demonstrate	VERB
cblr-2966	725	11	how	how	SCONJ
cblr-2966	725	12	s&p	s&p	PROPN
cblr-2966	725	13	rates	rate	VERB
cblr-2966	725	14	loans	loan	NOUN
cblr-2966	725	15	coming	come	VERB
cblr-2966	725	16	out	out	ADP
cblr-2966	725	17	of	of	ADP
cblr-2966	725	18	these	these	DET
cblr-2966	725	19	states	state	NOUN
cblr-2966	725	20	.	.	PUNCT
cblr-2966	726	1	5	5	X
cblr-2966	726	2	'	'	PUNCT
cblr-2966	726	3	since	since	SCONJ
cblr-2966	726	4	the	the	DET
cblr-2966	726	5	ratings	rating	NOUN
cblr-2966	726	6	given	give	VERB
cblr-2966	726	7	to	to	ADP
cblr-2966	726	8	bonds	bond	NOUN
cblr-2966	726	9	based	base	VERB
cblr-2966	726	10	on	on	ADP
cblr-2966	726	11	subprime	subprime	ADJ
cblr-2966	726	12	loans	loan	NOUN
cblr-2966	726	13	coming	come	VERB
cblr-2966	726	14	out	out	ADP
cblr-2966	726	15	of	of	ADP
cblr-2966	726	16	these	these	DET
cblr-2966	726	17	states	state	NOUN
cblr-2966	726	18	is	be	AUX
cblr-2966	726	19	the	the	DET
cblr-2966	726	20	basis	basis	NOUN
cblr-2966	726	21	upon	upon	SCONJ
cblr-2966	726	22	which	which	PRON
cblr-2966	726	23	people	people	NOUN
cblr-2966	726	24	choose	choose	VERB
cblr-2966	726	25	to	to	PART
cblr-2966	726	26	invest	invest	VERB
cblr-2966	726	27	,	,	PUNCT
cblr-2966	726	28	using	use	VERB
cblr-2966	726	29	this	this	DET
cblr-2966	726	30	rating	rating	NOUN
cblr-2966	726	31	should	should	AUX
cblr-2966	726	32	most	most	ADV
cblr-2966	726	33	accurately	accurately	ADV
cblr-2966	726	34	reflect	reflect	VERB
cblr-2966	726	35	actual	actual	ADJ
cblr-2966	726	36	investor	investor	NOUN
cblr-2966	726	37	behavior	behavior	NOUN
cblr-2966	726	38	.	.	PUNCT
cblr-2966	727	1	52	52	NUM
cblr-2966	727	2	4	4	NUM
cblr-2966	727	3	.	.	PUNCT
cblr-2966	727	4	state	state	NOUN
cblr-2966	727	5	-	-	PUNCT
cblr-2966	727	6	specific	specific	ADJ
cblr-2966	727	7	focus	focus	NOUN
cblr-2966	727	8	finally	finally	ADV
cblr-2966	727	9	,	,	PUNCT
cblr-2966	727	10	the	the	DET
cblr-2966	727	11	analysis	analysis	NOUN
cblr-2966	727	12	concludes	conclude	VERB
cblr-2966	727	13	with	with	ADP
cblr-2966	727	14	an	an	DET
cblr-2966	727	15	examination	examination	NOUN
cblr-2966	727	16	of	of	ADP
cblr-2966	727	17	three	three	NUM
cblr-2966	727	18	specific	specific	ADJ
cblr-2966	727	19	state	state	NOUN
cblr-2966	727	20	pairs	pair	NOUN
cblr-2966	727	21	.	.	PUNCT
cblr-2966	728	1	this	this	DET
cblr-2966	728	2	isolation	isolation	NOUN
cblr-2966	728	3	attempts	attempt	VERB
cblr-2966	728	4	to	to	PART
cblr-2966	728	5	weed	weed	VERB
cblr-2966	728	6	"	"	PUNCT
cblr-2966	728	7	see	see	VERB
cblr-2966	728	8	,	,	PUNCT
cblr-2966	728	9	e.g.	e.g.	ADV
cblr-2966	728	10	,	,	PUNCT
cblr-2966	728	11	bostic	bostic	PROPN
cblr-2966	728	12	et	et	PROPN
cblr-2966	728	13	al	al	PROPN
cblr-2966	728	14	,	,	PUNCT
cblr-2966	728	15	supra	supra	PROPN
cblr-2966	728	16	note	note	PROPN
cblr-2966	728	17	7	7	NUM
cblr-2966	728	18	;	;	PUNCT
cblr-2966	728	19	ho	ho	PROPN
cblr-2966	728	20	&	&	CCONJ
cblr-2966	728	21	pennington	pennington	PROPN
cblr-2966	728	22	-	-	PUNCT
cblr-2966	728	23	cross	cross	PROPN
cblr-2966	728	24	,	,	PUNCT
cblr-2966	728	25	supra	supra	ADJ
cblr-2966	728	26	note	note	NOUN
cblr-2966	728	27	14	14	NUM
cblr-2966	728	28	.	.	PUNCT
cblr-2966	729	1	both	both	DET
cblr-2966	729	2	studies	study	NOUN
cblr-2966	729	3	created	create	VERB
cblr-2966	729	4	a	a	DET
cblr-2966	729	5	legal	legal	ADJ
cblr-2966	729	6	index	index	NOUN
cblr-2966	729	7	that	that	PRON
cblr-2966	729	8	assigned	assign	VERB
cblr-2966	729	9	different	different	ADJ
cblr-2966	729	10	normalized	normalize	VERB
cblr-2966	729	11	values	value	NOUN
cblr-2966	729	12	to	to	PART
cblr-2966	729	13	regimes	regime	NOUN
cblr-2966	729	14	,	,	PUNCT
cblr-2966	729	15	based	base	VERB
cblr-2966	729	16	on	on	ADP
cblr-2966	729	17	how	how	SCONJ
cblr-2966	729	18	draconian	draconian	ADJ
cblr-2966	729	19	the	the	DET
cblr-2966	729	20	authors	author	NOUN
cblr-2966	729	21	believed	believe	VERB
cblr-2966	729	22	those	those	DET
cblr-2966	729	23	regimes	regime	NOUN
cblr-2966	729	24	to	to	PART
cblr-2966	729	25	be	be	AUX
cblr-2966	729	26	.	.	PUNCT
cblr-2966	729	27	149	149	NUM
cblr-2966	729	28	see	see	VERB
cblr-2966	729	29	criteria	criterion	NOUN
cblr-2966	729	30	:	:	PUNCT
cblr-2966	729	31	anti	anti	ADJ
cblr-2966	729	32	-	-	ADJ
cblr-2966	729	33	predatory	predatory	ADJ
cblr-2966	729	34	lending	lending	NOUN
cblr-2966	729	35	law	law	NOUN
cblr-2966	729	36	update	update	NOUN
cblr-2966	729	37	,	,	PUNCT
cblr-2966	729	38	supra	supra	PROPN
cblr-2966	729	39	note	note	NOUN
cblr-2966	729	40	147	147	NUM
cblr-2966	729	41	,	,	PUNCT
cblr-2966	729	42	at	at	ADP
cblr-2966	729	43	6	6	NUM
cblr-2966	729	44	.	.	NUM
cblr-2966	729	45	150	150	NUM
cblr-2966	729	46	see	see	VERB
cblr-2966	729	47	i	i	PROPN
cblr-2966	729	48	d.	d.	PROPN
cblr-2966	729	49	;	;	PUNCT
cblr-2966	729	50	n.c	n.c	PROPN
cblr-2966	729	51	.	.	PROPN
cblr-2966	729	52	gen	gen	PROPN
cblr-2966	729	53	.	.	PROPN
cblr-2966	729	54	stat	stat	PROPN
cblr-2966	729	55	.	.	PUNCT
cblr-2966	730	1	§	§	PROPN
cblr-2966	730	2	24	24	NUM
cblr-2966	730	3	-	-	SYM
cblr-2966	730	4	1.1(e	1.1(e	NUM
cblr-2966	730	5	)	)	PUNCT
cblr-2966	730	6	(	(	PUNCT
cblr-2966	730	7	2007	2007	NUM
cblr-2966	730	8	)	)	PUNCT
cblr-2966	730	9	;	;	PUNCT
cblr-2966	730	10	ohio	ohio	PROPN
cblr-2966	730	11	rev	rev	PROPN
cblr-2966	730	12	.	.	PROPN
cblr-2966	730	13	code	code	PROPN
cblr-2966	730	14	ann	ann	PROPN
cblr-2966	730	15	.	.	PUNCT
cblr-2966	731	1	§	§	PROPN
cblr-2966	731	2	1349.25	1349.25	NUM
cblr-2966	731	3	(	(	PUNCT
cblr-2966	731	4	west	west	NOUN
cblr-2966	731	5	2008	2008	NUM
cblr-2966	731	6	)	)	PUNCT
cblr-2966	731	7	.	.	PUNCT
cblr-2966	732	1	151	151	NUM
cblr-2966	732	2	this	this	DET
cblr-2966	732	3	approach	approach	NOUN
cblr-2966	732	4	is	be	AUX
cblr-2966	732	5	unlike	unlike	ADP
cblr-2966	732	6	the	the	DET
cblr-2966	732	7	legal	legal	ADJ
cblr-2966	732	8	index	index	NOUN
cblr-2966	732	9	popularized	popularize	VERB
cblr-2966	732	10	by	by	ADP
cblr-2966	732	11	bostic	bostic	PROPN
cblr-2966	732	12	et	et	PROPN
cblr-2966	732	13	al	al	PROPN
cblr-2966	732	14	.	.	PROPN
cblr-2966	732	15	,	,	PUNCT
cblr-2966	732	16	supra	supra	PROPN
cblr-2966	732	17	note	note	PROPN
cblr-2966	732	18	7	7	NUM
cblr-2966	732	19	,	,	PUNCT
cblr-2966	732	20	at	at	ADP
cblr-2966	732	21	12	12	NUM
cblr-2966	732	22	and	and	CCONJ
cblr-2966	732	23	ho	ho	PROPN
cblr-2966	732	24	&	&	CCONJ
cblr-2966	732	25	pennington	pennington	PROPN
cblr-2966	732	26	-	-	PUNCT
cblr-2966	732	27	cross	cross	PROPN
cblr-2966	732	28	,	,	PUNCT
cblr-2966	732	29	supra	supra	ADJ
cblr-2966	732	30	note	note	PROPN
cblr-2966	732	31	14	14	NUM
cblr-2966	732	32	,	,	PUNCT
cblr-2966	732	33	at	at	ADP
cblr-2966	732	34	214	214	NUM
cblr-2966	732	35	,	,	PUNCT
cblr-2966	732	36	which	which	PRON
cblr-2966	732	37	operates	operate	VERB
cblr-2966	732	38	as	as	ADP
cblr-2966	732	39	a	a	DET
cblr-2966	732	40	post	post	X
cblr-2966	732	41	hoc	hoc	X
cblr-2966	732	42	indexing	indexing	NOUN
cblr-2966	732	43	.	.	PUNCT
cblr-2966	733	1	see	see	VERB
cblr-2966	733	2	generally	generally	ADV
cblr-2966	733	3	,	,	PUNCT
cblr-2966	733	4	elliehausen	elliehausen	PROPN
cblr-2966	733	5	et	et	PROPN
cblr-2966	733	6	al	al	PROPN
cblr-2966	733	7	.	.	PROPN
cblr-2966	733	8	,	,	PUNCT
cblr-2966	733	9	supra	supra	PROPN
cblr-2966	733	10	note	note	PROPN
cblr-2966	733	11	129	129	NUM
cblr-2966	733	12	,	,	PUNCT
cblr-2966	733	13	at	at	ADP
cblr-2966	733	14	12	12	NUM
cblr-2966	733	15	-	-	SYM
cblr-2966	733	16	13	13	NUM
cblr-2966	733	17	.	.	PUNCT
cblr-2966	734	1	152	152	NUM
cblr-2966	734	2	weiner	weiner	NOUN
cblr-2966	734	3	,	,	PUNCT
cblr-2966	734	4	supra	supra	PROPN
cblr-2966	734	5	note	note	NOUN
cblr-2966	734	6	14	14	NUM
cblr-2966	734	7	,	,	PUNCT
cblr-2966	734	8	at	at	ADP
cblr-2966	734	9	537	537	NUM
cblr-2966	734	10	(	(	PUNCT
cblr-2966	734	11	noting	note	VERB
cblr-2966	734	12	that	that	SCONJ
cblr-2966	734	13	agencies	agency	NOUN
cblr-2966	734	14	'	'	PART
cblr-2966	734	15	refusal	refusal	NOUN
cblr-2966	734	16	to	to	PART
cblr-2966	734	17	rate	rate	VERB
cblr-2966	734	18	such	such	ADJ
cblr-2966	734	19	bonds	bond	NOUN
cblr-2966	734	20	discourages	discourage	VERB
cblr-2966	734	21	investment	investment	NOUN
cblr-2966	734	22	in	in	ADP
cblr-2966	734	23	them	they	PRON
cblr-2966	734	24	)	)	PUNCT
cblr-2966	734	25	.	.	PUNCT
cblr-2966	735	1	no	no	INTJ
cblr-2966	735	2	.	.	PUNCT
cblr-2966	736	1	3:10211	3:10211	NUM
cblr-2966	736	2	rethinking	rethink	VERB
cblr-2966	736	3	assignee	assignee	NOUN
cblr-2966	736	4	liability	liability	NOUN
cblr-2966	736	5	out	out	ADP
cblr-2966	736	6	the	the	DET
cblr-2966	736	7	"	"	PUNCT
cblr-2966	736	8	lemon	lemon	NOUN
cblr-2966	736	9	effect	effect	NOUN
cblr-2966	736	10	"	"	PUNCT
cblr-2966	736	11	first	first	ADV
cblr-2966	736	12	discovered	discover	VERB
cblr-2966	736	13	by	by	ADP
cblr-2966	736	14	george	george	PROPN
cblr-2966	736	15	akerlof	akerlof	PROPN
cblr-2966	736	16	.	.	PUNCT
cblr-2966	737	1	15	15	NUM
cblr-2966	737	2	1	1	NUM
cblr-2966	737	3	the	the	DET
cblr-2966	737	4	general	general	ADJ
cblr-2966	737	5	idea	idea	NOUN
cblr-2966	737	6	is	be	AUX
cblr-2966	737	7	that	that	SCONJ
cblr-2966	737	8	it	it	PRON
cblr-2966	737	9	is	be	AUX
cblr-2966	737	10	difficult	difficult	ADJ
cblr-2966	737	11	or	or	CCONJ
cblr-2966	737	12	impossible	impossible	ADJ
cblr-2966	737	13	for	for	SCONJ
cblr-2966	737	14	consumers	consumer	NOUN
cblr-2966	737	15	to	to	PART
cblr-2966	737	16	determine	determine	VERB
cblr-2966	737	17	whether	whether	SCONJ
cblr-2966	737	18	they	they	PRON
cblr-2966	737	19	are	be	AUX
cblr-2966	737	20	getting	getting	AUX
cblr-2966	737	21	"	"	PUNCT
cblr-2966	737	22	ripped	rip	VERB
cblr-2966	737	23	off	off	ADP
cblr-2966	737	24	'	'	PUNCT
cblr-2966	737	25	in	in	ADP
cblr-2966	737	26	an	an	DET
cblr-2966	737	27	unregulated	unregulated	ADJ
cblr-2966	737	28	market	market	NOUN
cblr-2966	737	29	.	.	PUNCT
cblr-2966	738	1	"	"	PUNCT
cblr-2966	738	2	'	'	PUNCT
cblr-2966	738	3	by	by	ADP
cblr-2966	738	4	passing	pass	VERB
cblr-2966	738	5	a	a	DET
cblr-2966	738	6	law	law	NOUN
cblr-2966	738	7	,	,	PUNCT
cblr-2966	738	8	regulators	regulator	NOUN
cblr-2966	738	9	lower	low	ADJ
cblr-2966	738	10	that	that	SCONJ
cblr-2966	738	11	transaction	transaction	NOUN
cblr-2966	738	12	cost	cost	NOUN
cblr-2966	738	13	,	,	PUNCT
cblr-2966	738	14	and	and	CCONJ
cblr-2966	738	15	thus	thus	ADV
cblr-2966	738	16	increase	increase	VERB
cblr-2966	738	17	the	the	DET
cblr-2966	738	18	demand	demand	NOUN
cblr-2966	738	19	for	for	ADP
cblr-2966	738	20	subprime	subprime	ADJ
cblr-2966	738	21	loans.1	loans.1	PROPN
cblr-2966	738	22	5	5	NUM
cblr-2966	738	23	first	first	ADV
cblr-2966	738	24	,	,	PUNCT
cblr-2966	738	25	this	this	DET
cblr-2966	738	26	note	note	NOUN
cblr-2966	738	27	examines	examine	VERB
cblr-2966	738	28	the	the	DET
cblr-2966	738	29	"	"	PUNCT
cblr-2966	738	30	placebo	placebo	NOUN
cblr-2966	738	31	effect	effect	NOUN
cblr-2966	738	32	"	"	PUNCT
cblr-2966	738	33	of	of	ADP
cblr-2966	738	34	subprime	subprime	ADJ
cblr-2966	738	35	laws	law	NOUN
cblr-2966	738	36	by	by	ADP
cblr-2966	738	37	comparing	compare	VERB
cblr-2966	738	38	pennsylvania	pennsylvania	PROPN
cblr-2966	738	39	and	and	CCONJ
cblr-2966	738	40	delaware	delaware	PROPN
cblr-2966	738	41	.	.	PUNCT
cblr-2966	739	1	pennsylvania	pennsylvania	PROPN
cblr-2966	739	2	put	put	VERB
cblr-2966	739	3	into	into	ADP
cblr-2966	739	4	effect	effect	NOUN
cblr-2966	739	5	an	an	DET
cblr-2966	739	6	anti	anti	ADJ
cblr-2966	739	7	-	-	ADJ
cblr-2966	739	8	predatory	predatory	ADJ
cblr-2966	739	9	lending	lending	NOUN
cblr-2966	739	10	law	law	NOUN
cblr-2966	739	11	in	in	ADP
cblr-2966	739	12	2002	2002	NUM
cblr-2966	739	13	that	that	PRON
cblr-2966	739	14	is	be	AUX
cblr-2966	739	15	virtually	virtually	ADV
cblr-2966	739	16	identical	identical	ADJ
cblr-2966	739	17	to	to	ADP
cblr-2966	739	18	hoepa	hoepa	NOUN
cblr-2966	739	19	,	,	PUNCT
cblr-2966	739	20	but	but	CCONJ
cblr-2966	739	21	without	without	ADP
cblr-2966	739	22	explicit	explicit	ADJ
cblr-2966	739	23	assignee	assignee	NOUN
cblr-2966	739	24	liability	liability	NOUN
cblr-2966	739	25	.	.	PUNCT
cblr-2966	740	1	56	56	NUM
cblr-2966	740	2	meanwhile	meanwhile	ADV
cblr-2966	740	3	,	,	PUNCT
cblr-2966	740	4	delaware	delaware	PROPN
cblr-2966	740	5	has	have	VERB
cblr-2966	740	6	no	no	DET
cblr-2966	740	7	subprime	subprime	ADJ
cblr-2966	740	8	lending	lending	NOUN
cblr-2966	740	9	law	law	NOUN
cblr-2966	740	10	of	of	ADP
cblr-2966	740	11	its	its	PRON
cblr-2966	740	12	own	own	ADJ
cblr-2966	740	13	.	.	PUNCT
cblr-2966	741	1	the	the	DET
cblr-2966	741	2	pennsylvania	pennsylvania	PROPN
cblr-2966	741	3	law	law	NOUN
cblr-2966	741	4	changes	change	VERB
cblr-2966	741	5	little	little	ADJ
cblr-2966	741	6	legally	legally	ADV
cblr-2966	741	7	,	,	PUNCT
cblr-2966	741	8	but	but	CCONJ
cblr-2966	741	9	may	may	AUX
cblr-2966	741	10	assuage	assuage	VERB
cblr-2966	741	11	the	the	DET
cblr-2966	741	12	consumer	consumer	NOUN
cblr-2966	741	13	into	into	ADP
cblr-2966	741	14	greater	great	ADJ
cblr-2966	741	15	confidence	confidence	NOUN
cblr-2966	741	16	and	and	CCONJ
cblr-2966	741	17	thus	thus	ADV
cblr-2966	741	18	create	create	VERB
cblr-2966	741	19	a	a	DET
cblr-2966	741	20	"	"	PUNCT
cblr-2966	741	21	placebo	placebo	NOUN
cblr-2966	741	22	effect	effect	NOUN
cblr-2966	741	23	.	.	PUNCT
cblr-2966	741	24	"	"	PUNCT
cblr-2966	742	1	second	second	ADV
cblr-2966	742	2	,	,	PUNCT
cblr-2966	742	3	this	this	DET
cblr-2966	742	4	note	note	NOUN
cblr-2966	742	5	compares	compare	VERB
cblr-2966	742	6	the	the	DET
cblr-2966	742	7	pennsylvania	pennsylvania	PROPN
cblr-2966	742	8	law	law	PROPN
cblr-2966	742	9	with	with	ADP
cblr-2966	742	10	a	a	DET
cblr-2966	742	11	florida	florida	PROPN
cblr-2966	742	12	law	law	NOUN
cblr-2966	742	13	also	also	ADV
cblr-2966	742	14	put	put	VERB
cblr-2966	742	15	into	into	ADP
cblr-2966	742	16	effect	effect	NOUN
cblr-2966	742	17	in	in	ADP
cblr-2966	742	18	2002	2002	NUM
cblr-2966	742	19	.	.	PUNCT
cblr-2966	743	1	the	the	DET
cblr-2966	743	2	florida	florida	PROPN
cblr-2966	743	3	law	law	NOUN
cblr-2966	743	4	is	be	AUX
cblr-2966	743	5	essentially	essentially	ADV
cblr-2966	743	6	a	a	DET
cblr-2966	743	7	pure	pure	ADJ
cblr-2966	743	8	"	"	PUNCT
cblr-2966	743	9	mini	mini	NOUN
cblr-2966	743	10	-	-	NOUN
cblr-2966	743	11	hoepa	hoepa	ADJ
cblr-2966	743	12	"	"	PUNCT
cblr-2966	743	13	law	law	NOUN
cblr-2966	743	14	,	,	PUNCT
cblr-2966	743	15	which	which	PRON
cblr-2966	743	16	mirrors	mirror	VERB
cblr-2966	743	17	hoepa	hoepa	NOUN
cblr-2966	743	18	exactly	exactly	ADV
cblr-2966	743	19	.	.	PUNCT
cblr-2966	744	1	7	7	NUM
cblr-2966	745	1	thus	thus	ADV
cblr-2966	745	2	,	,	PUNCT
cblr-2966	745	3	this	this	DET
cblr-2966	745	4	comparison	comparison	NOUN
cblr-2966	745	5	can	can	AUX
cblr-2966	745	6	be	be	AUX
cblr-2966	745	7	used	use	VERB
cblr-2966	745	8	to	to	PART
cblr-2966	745	9	further	far	ADV
cblr-2966	745	10	test	test	VERB
cblr-2966	745	11	the	the	DET
cblr-2966	745	12	placebo	placebo	NOUN
cblr-2966	745	13	effect	effect	NOUN
cblr-2966	745	14	of	of	ADP
cblr-2966	745	15	passing	pass	VERB
cblr-2966	745	16	a	a	DET
cblr-2966	745	17	law	law	NOUN
cblr-2966	745	18	with	with	ADP
cblr-2966	745	19	assignee	assignee	NOUN
cblr-2966	745	20	liability	liability	NOUN
cblr-2966	745	21	that	that	PRON
cblr-2966	745	22	causes	cause	VERB
cblr-2966	745	23	little	little	ADJ
cblr-2966	745	24	actual	actual	ADJ
cblr-2966	745	25	legal	legal	ADJ
cblr-2966	745	26	change	change	NOUN
cblr-2966	745	27	.	.	PUNCT
cblr-2966	746	1	finally	finally	ADV
cblr-2966	746	2	,	,	PUNCT
cblr-2966	746	3	the	the	DET
cblr-2966	746	4	note	note	NOUN
cblr-2966	746	5	compares	compare	VERB
cblr-2966	746	6	california	california	PROPN
cblr-2966	746	7	's	's	PART
cblr-2966	746	8	approach	approach	NOUN
cblr-2966	746	9	to	to	ADP
cblr-2966	746	10	its	its	PRON
cblr-2966	746	11	"	"	PUNCT
cblr-2966	746	12	mini	mini	NOUN
cblr-2966	746	13	-	-	NOUN
cblr-2966	746	14	hoepa	hoepa	ADJ
cblr-2966	746	15	"	"	PUNCT
cblr-2966	746	16	law	law	NOUN
cblr-2966	746	17	with	with	ADP
cblr-2966	746	18	new	new	PROPN
cblr-2966	746	19	york	york	PROPN
cblr-2966	746	20	's	's	PART
cblr-2966	746	21	approach	approach	NOUN
cblr-2966	746	22	.	.	PUNCT
cblr-2966	747	1	these	these	DET
cblr-2966	747	2	two	two	NUM
cblr-2966	747	3	laws	law	NOUN
cblr-2966	747	4	are	be	AUX
cblr-2966	747	5	identical	identical	ADJ
cblr-2966	747	6	,	,	PUNCT
cblr-2966	747	7	except	except	SCONJ
cblr-2966	747	8	that	that	PRON
cblr-2966	747	9	new	new	PROPN
cblr-2966	747	10	york	york	PROPN
cblr-2966	747	11	includes	include	VERB
cblr-2966	747	12	an	an	DET
cblr-2966	747	13	assignee	assignee	NOUN
cblr-2966	747	14	liability	liability	NOUN
cblr-2966	747	15	provision	provision	NOUN
cblr-2966	747	16	that	that	PRON
cblr-2966	747	17	is	be	AUX
cblr-2966	747	18	more	more	ADV
cblr-2966	747	19	aggressive	aggressive	ADJ
cblr-2966	747	20	than	than	SCONJ
cblr-2966	747	21	that	that	PRON
cblr-2966	747	22	see	see	VERB
cblr-2966	747	23	george	george	PROPN
cblr-2966	747	24	a.	a.	PROPN
cblr-2966	747	25	akerlof	akerlof	PROPN
cblr-2966	747	26	,	,	PUNCT
cblr-2966	747	27	the	the	DET
cblr-2966	747	28	market	market	NOUN
cblr-2966	747	29	for	for	ADP
cblr-2966	747	30	"	"	PUNCT
cblr-2966	747	31	lemons	lemon	NOUN
cblr-2966	747	32	"	"	PUNCT
cblr-2966	747	33	:	:	PUNCT
cblr-2966	747	34	quality	quality	NOUN
cblr-2966	747	35	uncertainty	uncertainty	NOUN
cblr-2966	747	36	and	and	CCONJ
cblr-2966	747	37	the	the	DET
cblr-2966	747	38	market	market	NOUN
cblr-2966	747	39	mechanism	mechanism	NOUN
cblr-2966	747	40	,	,	PUNCT
cblr-2966	747	41	84	84	NUM
cblr-2966	747	42	q.	q.	PROPN
cblr-2966	747	43	j.	j.	PROPN
cblr-2966	747	44	econ	econ	PROPN
cblr-2966	747	45	.	.	PUNCT
cblr-2966	748	1	488	488	NUM
cblr-2966	748	2	,	,	PUNCT
cblr-2966	748	3	488	488	NUM
cblr-2966	748	4	(	(	PUNCT
cblr-2966	748	5	1970	1970	NUM
cblr-2966	748	6	)	)	PUNCT
cblr-2966	748	7	.	.	PUNCT
cblr-2966	749	1	"	"	PUNCT
cblr-2966	749	2	'	'	PUNCT
cblr-2966	749	3	the	the	DET
cblr-2966	749	4	"	"	PUNCT
cblr-2966	749	5	lemon	lemon	NOUN
cblr-2966	749	6	effect	effect	NOUN
cblr-2966	749	7	"	"	PUNCT
cblr-2966	749	8	suggests	suggest	VERB
cblr-2966	749	9	that	that	SCONJ
cblr-2966	749	10	creditworthy	creditworthy	ADJ
cblr-2966	749	11	borrowers	borrower	NOUN
cblr-2966	749	12	who	who	PRON
cblr-2966	749	13	were	be	AUX
cblr-2966	749	14	previously	previously	ADV
cblr-2966	749	15	not	not	PART
cblr-2966	749	16	part	part	NOUN
cblr-2966	749	17	of	of	ADP
cblr-2966	749	18	any	any	DET
cblr-2966	749	19	credit	credit	NOUN
cblr-2966	749	20	market	market	NOUN
cblr-2966	749	21	are	be	AUX
cblr-2966	749	22	wary	wary	ADJ
cblr-2966	749	23	of	of	ADP
cblr-2966	749	24	predatory	predatory	ADJ
cblr-2966	749	25	loans	loan	NOUN
cblr-2966	749	26	but	but	CCONJ
cblr-2966	749	27	too	too	ADV
cblr-2966	749	28	unsophisticated	unsophisticated	ADJ
cblr-2966	749	29	to	to	PART
cblr-2966	749	30	realize	realize	VERB
cblr-2966	749	31	the	the	DET
cblr-2966	749	32	difference	difference	NOUN
cblr-2966	749	33	.	.	PUNCT
cblr-2966	750	1	therefore	therefore	ADV
cblr-2966	750	2	,	,	PUNCT
cblr-2966	750	3	these	these	DET
cblr-2966	750	4	more	more	ADV
cblr-2966	750	5	desirable	desirable	ADJ
cblr-2966	750	6	borrowers	borrower	NOUN
cblr-2966	750	7	stay	stay	VERB
cblr-2966	750	8	out	out	ADP
cblr-2966	750	9	of	of	ADP
cblr-2966	750	10	the	the	DET
cblr-2966	750	11	market	market	NOUN
cblr-2966	750	12	until	until	SCONJ
cblr-2966	750	13	regulators	regulator	NOUN
cblr-2966	750	14	declare	declare	VERB
cblr-2966	750	15	it	it	PRON
cblr-2966	750	16	safe	safe	ADJ
cblr-2966	750	17	by	by	ADP
cblr-2966	750	18	passing	pass	VERB
cblr-2966	750	19	a	a	DET
cblr-2966	750	20	law	law	NOUN
cblr-2966	750	21	.	.	PUNCT
cblr-2966	751	1	155	155	NUM
cblr-2966	751	2	see	see	NOUN
cblr-2966	751	3	,	,	PUNCT
cblr-2966	751	4	e.g.	e.g.	ADV
cblr-2966	751	5	,	,	PUNCT
cblr-2966	751	6	akerlof	akerlof	ADJ
cblr-2966	751	7	,	,	PUNCT
cblr-2966	751	8	supra	supra	PROPN
cblr-2966	751	9	note	note	PROPN
cblr-2966	751	10	153	153	NUM
cblr-2966	751	11	,	,	PUNCT
cblr-2966	751	12	at	at	ADP
cblr-2966	751	13	490	490	NUM
cblr-2966	751	14	-	-	SYM
cblr-2966	751	15	91	91	NUM
cblr-2966	751	16	;	;	PUNCT
cblr-2966	751	17	ho	ho	PROPN
cblr-2966	751	18	&	&	CCONJ
cblr-2966	751	19	penningtoncross	penningtoncross	PROPN
cblr-2966	751	20	,	,	PUNCT
cblr-2966	751	21	supra	supra	PROPN
cblr-2966	751	22	note	note	PROPN
cblr-2966	751	23	14	14	NUM
cblr-2966	751	24	,	,	PUNCT
cblr-2966	751	25	at	at	ADP
cblr-2966	751	26	212	212	NUM
cblr-2966	751	27	.	.	PUNCT
cblr-2966	752	1	156	156	NUM
cblr-2966	752	2	see	see	VERB
cblr-2966	752	3	15	15	NUM
cblr-2966	752	4	u.s.c	u.s.c	ADJ
cblr-2966	752	5	.	.	PUNCT
cblr-2966	753	1	§	§	PROPN
cblr-2966	753	2	§	§	PROPN
cblr-2966	753	3	1601	1601	NUM
cblr-2966	753	4	-	-	SYM
cblr-2966	753	5	66	66	NUM
cblr-2966	753	6	(	(	PUNCT
cblr-2966	753	7	2007	2007	NUM
cblr-2966	753	8	)	)	PUNCT
cblr-2966	753	9	(	(	PUNCT
cblr-2966	753	10	hoepa	hoepa	NOUN
cblr-2966	753	11	)	)	PUNCT
cblr-2966	753	12	;	;	PUNCT
cblr-2966	753	13	63	63	NUM
cblr-2966	753	14	pa	pa	PROPN
cblr-2966	753	15	.	.	PROPN
cblr-2966	753	16	stat	stat	PROPN
cblr-2966	753	17	.	.	PUNCT
cblr-2966	754	1	ann	ann	PROPN
cblr-2966	754	2	.	.	PUNCT
cblr-2966	755	1	§	§	PROPN
cblr-2966	755	2	456.503	456.503	NUM
cblr-2966	755	3	(	(	PUNCT
cblr-2966	755	4	west	west	NOUN
cblr-2966	755	5	2007	2007	NUM
cblr-2966	755	6	)	)	PUNCT
cblr-2966	755	7	(	(	PUNCT
cblr-2966	755	8	pennsylvania	pennsylvania	PROPN
cblr-2966	755	9	law	law	PROPN
cblr-2966	755	10	)	)	PUNCT
cblr-2966	755	11	.	.	PUNCT
cblr-2966	756	1	157	157	NUM
cblr-2966	756	2	see	see	VERB
cblr-2966	756	3	fla	fla	PROPN
cblr-2966	756	4	.	.	PUNCT
cblr-2966	757	1	stat	stat	PROPN
cblr-2966	757	2	.	.	PUNCT
cblr-2966	758	1	ann	ann	PROPN
cblr-2966	758	2	.	.	PUNCT
cblr-2966	759	1	§	§	PROPN
cblr-2966	759	2	494.00793	494.00793	NUM
cblr-2966	759	3	(	(	PUNCT
cblr-2966	759	4	west	west	NOUN
cblr-2966	759	5	2007	2007	NUM
cblr-2966	759	6	)	)	PUNCT
cblr-2966	759	7	;	;	PUNCT
cblr-2966	759	8	bostic	bostic	PROPN
cblr-2966	759	9	et	et	PROPN
cblr-2966	759	10	al	al	PROPN
cblr-2966	759	11	.	.	PROPN
cblr-2966	759	12	,	,	PUNCT
cblr-2966	759	13	supra	supra	PROPN
cblr-2966	759	14	note	note	PROPN
cblr-2966	759	15	7	7	NUM
cblr-2966	759	16	,	,	PUNCT
cblr-2966	759	17	at	at	ADP
cblr-2966	759	18	4	4	NUM
cblr-2966	759	19	-	-	SYM
cblr-2966	759	20	5	5	NUM
cblr-2966	759	21	.	.	PUNCT
cblr-2966	759	22	col	col	PROPN
cblr-2966	759	23	umbia	umbia	PROPN
cblr-2966	760	1	b	b	PROPN
cblr-2966	761	1	usiness	usiness	PROPN
cblr-2966	761	2	la	la	PROPN
cblr-2966	761	3	w	w	PROPN
cblr-2966	761	4	re	re	PROPN
cblr-2966	761	5	vie	vie	PROPN
cblr-2966	761	6	w	w	PROPN
cblr-2966	762	1	[	[	X
cblr-2966	762	2	vol	vol	NOUN
cblr-2966	762	3	.	.	NOUN
cblr-2966	762	4	2008	2008	NUM
cblr-2966	762	5	included	include	VERB
cblr-2966	762	6	in	in	ADP
cblr-2966	762	7	hoepa	hoepa	NOUN
cblr-2966	762	8	.	.	PUNCT
cblr-2966	763	1	california	california	PROPN
cblr-2966	763	2	specifically	specifically	ADV
cblr-2966	763	3	excludes	exclude	VERB
cblr-2966	763	4	assignee	assignee	NOUN
cblr-2966	763	5	liability.158	liability.158	PROPN
cblr-2966	763	6	d.	d.	PROPN
cblr-2966	763	7	theoretical	theoretical	ADJ
cblr-2966	763	8	models	model	NOUN
cblr-2966	763	9	this	this	DET
cblr-2966	763	10	paper	paper	NOUN
cblr-2966	763	11	expands	expand	VERB
cblr-2966	763	12	upon	upon	SCONJ
cblr-2966	763	13	existing	exist	VERB
cblr-2966	763	14	research	research	NOUN
cblr-2966	763	15	by	by	ADP
cblr-2966	763	16	offering	offer	VERB
cblr-2966	763	17	essentially	essentially	ADV
cblr-2966	763	18	four	four	NUM
cblr-2966	763	19	basic	basic	ADJ
cblr-2966	763	20	specifications	specification	NOUN
cblr-2966	763	21	at	at	ADP
cblr-2966	763	22	the	the	DET
cblr-2966	763	23	full	full	ADJ
cblr-2966	763	24	sample	sample	NOUN
cblr-2966	763	25	level	level	NOUN
cblr-2966	763	26	,	,	PUNCT
cblr-2966	763	27	and	and	CCONJ
cblr-2966	763	28	one	one	NUM
cblr-2966	763	29	basic	basic	ADJ
cblr-2966	763	30	specification	specification	NOUN
cblr-2966	763	31	at	at	ADP
cblr-2966	763	32	the	the	DET
cblr-2966	763	33	state	state	NOUN
cblr-2966	763	34	level	level	NOUN
cblr-2966	763	35	.	.	PUNCT
cblr-2966	764	1	in	in	ADP
cblr-2966	764	2	all	all	DET
cblr-2966	764	3	cases	case	NOUN
cblr-2966	764	4	,	,	PUNCT
cblr-2966	764	5	the	the	DET
cblr-2966	764	6	data	datum	NOUN
cblr-2966	764	7	set	set	VERB
cblr-2966	764	8	is	be	AUX
cblr-2966	764	9	restricted	restrict	VERB
cblr-2966	764	10	to	to	ADP
cblr-2966	764	11	the	the	DET
cblr-2966	764	12	year	year	NOUN
cblr-2966	764	13	-	-	PUNCT
cblr-2966	764	14	by	by	ADP
cblr-2966	764	15	-	-	PUNCT
cblr-2966	764	16	year	year	NOUN
cblr-2966	764	17	propensity	propensity	NOUN
cblr-2966	764	18	score	score	NOUN
cblr-2966	764	19	matched	match	VERB
cblr-2966	764	20	data	datum	NOUN
cblr-2966	764	21	.	.	PUNCT
cblr-2966	765	1	the	the	DET
cblr-2966	765	2	dependent	dependent	ADJ
cblr-2966	765	3	variables	variable	NOUN
cblr-2966	765	4	are	be	AUX
cblr-2966	765	5	:	:	PUNCT
cblr-2966	765	6	rate	rate	NOUN
cblr-2966	765	7	spread	spread	NOUN
cblr-2966	765	8	,	,	PUNCT
cblr-2966	765	9	high	high	ADJ
cblr-2966	765	10	cost	cost	NOUN
cblr-2966	765	11	,	,	PUNCT
cblr-2966	765	12	and	and	CCONJ
cblr-2966	765	13	securitized	securitized	ADJ
cblr-2966	765	14	.	.	PUNCT
cblr-2966	766	1	rate	rate	NOUN
cblr-2966	766	2	spread	spread	VERB
cblr-2966	766	3	examines	examine	VERB
cblr-2966	766	4	how	how	SCONJ
cblr-2966	766	5	interest	interest	NOUN
cblr-2966	766	6	rates	rate	NOUN
cblr-2966	766	7	on	on	ADP
cblr-2966	766	8	subprime	subprime	ADJ
cblr-2966	766	9	loans	loan	NOUN
cblr-2966	766	10	change	change	NOUN
cblr-2966	766	11	depending	depend	VERB
cblr-2966	766	12	on	on	ADP
cblr-2966	766	13	the	the	DET
cblr-2966	766	14	presence	presence	NOUN
cblr-2966	766	15	of	of	ADP
cblr-2966	766	16	an	an	DET
cblr-2966	766	17	assignee	assignee	NOUN
cblr-2966	766	18	liability	liability	NOUN
cblr-2966	766	19	law	law	NOUN
cblr-2966	766	20	.	.	PUNCT
cblr-2966	767	1	high	high	ADJ
cblr-2966	767	2	cost	cost	NOUN
cblr-2966	767	3	examines	examine	VERB
cblr-2966	767	4	the	the	DET
cblr-2966	767	5	change	change	NOUN
cblr-2966	767	6	in	in	ADP
cblr-2966	767	7	probability	probability	NOUN
cblr-2966	767	8	of	of	ADP
cblr-2966	767	9	originating	originate	VERB
cblr-2966	767	10	a	a	DET
cblr-2966	767	11	high	high	ADJ
cblr-2966	767	12	cost	cost	NOUN
cblr-2966	767	13	loan	loan	NOUN
cblr-2966	767	14	(	(	PUNCT
cblr-2966	767	15	subprime	subprime	NOUN
cblr-2966	767	16	)	)	PUNCT
cblr-2966	767	17	by	by	ADP
cblr-2966	767	18	using	use	VERB
cblr-2966	767	19	rate	rate	NOUN
cblr-2966	767	20	spread	spread	VERB
cblr-2966	767	21	as	as	ADP
cblr-2966	767	22	a	a	DET
cblr-2966	767	23	proxy	proxy	NOUN
cblr-2966	767	24	for	for	ADP
cblr-2966	767	25	subprime	subprime	ADJ
cblr-2966	767	26	loans	loan	NOUN
cblr-2966	767	27	.	.	PUNCT
cblr-2966	768	1	securitized	securitize	VERB
cblr-2966	768	2	is	be	AUX
cblr-2966	768	3	a	a	DET
cblr-2966	768	4	variable	variable	NOUN
cblr-2966	768	5	provided	provide	VERB
cblr-2966	768	6	by	by	ADP
cblr-2966	768	7	hmda	hmda	PROPN
cblr-2966	768	8	that	that	PRON
cblr-2966	768	9	indicates	indicate	VERB
cblr-2966	768	10	whether	whether	SCONJ
cblr-2966	768	11	the	the	DET
cblr-2966	768	12	initial	initial	ADJ
cblr-2966	768	13	lender	lender	NOUN
cblr-2966	768	14	sold	sell	VERB
cblr-2966	768	15	the	the	DET
cblr-2966	768	16	loan	loan	NOUN
cblr-2966	768	17	within	within	ADP
cblr-2966	768	18	the	the	DET
cblr-2966	768	19	same	same	ADJ
cblr-2966	768	20	year	year	NOUN
cblr-2966	768	21	as	as	SCONJ
cblr-2966	768	22	it	it	PRON
cblr-2966	768	23	was	be	AUX
cblr-2966	768	24	originated	originate	VERB
cblr-2966	768	25	.	.	PUNCT
cblr-2966	769	1	for	for	ADP
cblr-2966	769	2	the	the	DET
cblr-2966	769	3	full	full	ADJ
cblr-2966	769	4	sample	sample	NOUN
cblr-2966	769	5	,	,	PUNCT
cblr-2966	769	6	specification	specification	NOUN
cblr-2966	769	7	(	(	PUNCT
cblr-2966	769	8	1	1	NUM
cblr-2966	769	9	)	)	PUNCT
cblr-2966	769	10	compares	compare	VERB
cblr-2966	769	11	states	state	NOUN
cblr-2966	769	12	based	base	VERB
cblr-2966	769	13	on	on	ADP
cblr-2966	769	14	whether	whether	SCONJ
cblr-2966	769	15	they	they	PRON
cblr-2966	769	16	ever	ever	ADV
cblr-2966	769	17	passed	pass	VERB
cblr-2966	769	18	an	an	DET
cblr-2966	769	19	assignee	assignee	NOUN
cblr-2966	769	20	or	or	CCONJ
cblr-2966	769	21	predatory	predatory	NOUN
cblr-2966	769	22	lending	lending	NOUN
cblr-2966	769	23	law.159	law.159	PROPN
cblr-2966	769	24	specification	specification	NOUN
cblr-2966	769	25	(	(	PUNCT
cblr-2966	769	26	2	2	X
cblr-2966	769	27	)	)	PUNCT
cblr-2966	769	28	compares	compare	VERB
cblr-2966	769	29	the	the	DET
cblr-2966	769	30	respective	respective	ADJ
cblr-2966	769	31	laws	law	NOUN
cblr-2966	769	32	when	when	SCONJ
cblr-2966	769	33	they	they	PRON
cblr-2966	769	34	are	be	AUX
cblr-2966	769	35	actually	actually	ADV
cblr-2966	769	36	in	in	ADP
cblr-2966	769	37	effect	effect	NOUN
cblr-2966	769	38	.	.	PUNCT
cblr-2966	770	1	specification	specification	NOUN
cblr-2966	770	2	(	(	PUNCT
cblr-2966	770	3	3	3	NUM
cblr-2966	770	4	)	)	PUNCT
cblr-2966	770	5	includes	include	VERB
cblr-2966	770	6	controls	control	NOUN
cblr-2966	770	7	for	for	ADP
cblr-2966	770	8	the	the	DET
cblr-2966	770	9	strength	strength	NOUN
cblr-2966	770	10	of	of	ADP
cblr-2966	770	11	the	the	DET
cblr-2966	770	12	assignee	assignee	NOUN
cblr-2966	770	13	liability	liability	NOUN
cblr-2966	770	14	law	law	NOUN
cblr-2966	770	15	(	(	PUNCT
cblr-2966	770	16	assigneeindex	assigneeindex	NOUN
cblr-2966	770	17	and	and	CCONJ
cblr-2966	770	18	assigneeunrated	assigneeunrate	VERB
cblr-2966	770	19	)	)	PUNCT
cblr-2966	770	20	.	.	PUNCT
cblr-2966	771	1	finally	finally	ADV
cblr-2966	771	2	,	,	PUNCT
cblr-2966	771	3	specification	specification	NOUN
cblr-2966	771	4	(	(	PUNCT
cblr-2966	771	5	4	4	NUM
cblr-2966	771	6	)	)	PUNCT
cblr-2966	771	7	interacts	interact	VERB
cblr-2966	771	8	the	the	DET
cblr-2966	771	9	assigneeineffect	assigneeineffect	NOUN
cblr-2966	771	10	with	with	ADP
cblr-2966	771	11	the	the	DET
cblr-2966	771	12	assigneeindex	assigneeindex	NOUN
cblr-2966	771	13	variable	variable	NOUN
cblr-2966	771	14	to	to	PART
cblr-2966	771	15	determine	determine	VERB
cblr-2966	771	16	the	the	DET
cblr-2966	771	17	marginal	marginal	ADJ
cblr-2966	771	18	effect	effect	NOUN
cblr-2966	771	19	of	of	ADP
cblr-2966	771	20	the	the	DET
cblr-2966	771	21	strength	strength	NOUN
cblr-2966	771	22	of	of	ADP
cblr-2966	771	23	the	the	DET
cblr-2966	771	24	assignee	assignee	NOUN
cblr-2966	771	25	liability	liability	NOUN
cblr-2966	771	26	law	law	NOUN
cblr-2966	771	27	only	only	ADV
cblr-2966	771	28	when	when	SCONJ
cblr-2966	771	29	it	it	PRON
cblr-2966	771	30	is	be	AUX
cblr-2966	771	31	in	in	ADP
cblr-2966	771	32	effect	effect	NOUN
cblr-2966	771	33	.	.	PUNCT
cblr-2966	772	1	6	6	NUM
cblr-2966	772	2	°	°	NOUN
cblr-2966	772	3	158	158	NUM
cblr-2966	772	4	see	see	VERB
cblr-2966	772	5	cal	cal	ADJ
cblr-2966	772	6	.	.	PUNCT
cblr-2966	773	1	fin	fin	NOUN
cblr-2966	773	2	.	.	PUNCT
cblr-2966	773	3	code	code	PROPN
cblr-2966	773	4	§	§	PROPN
cblr-2966	773	5	4979.8	4979.8	NUM
cblr-2966	773	6	(	(	PUNCT
cblr-2966	773	7	west	west	NOUN
cblr-2966	773	8	2007	2007	NUM
cblr-2966	773	9	)	)	PUNCT
cblr-2966	773	10	;	;	PUNCT
cblr-2966	773	11	n.y	n.y	PROPN
cblr-2966	773	12	.	.	PROPN
cblr-2966	773	13	banking	banking	NOUN
cblr-2966	773	14	law	law	NOUN
cblr-2966	773	15	§	§	PROPN
cblr-2966	773	16	61(13	61(13	PROPN
cblr-2966	773	17	)	)	PUNCT
cblr-2966	773	18	(	(	PUNCT
cblr-2966	773	19	mckinney	mckinney	PROPN
cblr-2966	773	20	2003	2003	NUM
cblr-2966	773	21	)	)	PUNCT
cblr-2966	773	22	.	.	PUNCT
cblr-2966	774	1	"	"	PUNCT
cblr-2966	774	2	'	'	PUNCT
cblr-2966	774	3	the	the	DET
cblr-2966	774	4	basic	basic	ADJ
cblr-2966	774	5	model	model	NOUN
cblr-2966	774	6	looks	look	VERB
cblr-2966	774	7	something	something	PRON
cblr-2966	774	8	like	like	ADP
cblr-2966	774	9	this	this	PRON
cblr-2966	774	10	:	:	PUNCT
cblr-2966	774	11	(	(	PUNCT
cblr-2966	774	12	rate	rate	NOUN
cblr-2966	774	13	spread	spread	NOUN
cblr-2966	774	14	,	,	PUNCT
cblr-2966	774	15	high	high	ADJ
cblr-2966	774	16	cost	cost	NOUN
cblr-2966	774	17	)	)	PUNCT
cblr-2966	774	18	=	=	PUNCT
cblr-2966	775	1	a	a	DET
cblr-2966	775	2	+	+	X
cblr-2966	775	3	pl*assigneeliabilty	pl*assigneeliabilty	NOUN
cblr-2966	775	4	(	(	PUNCT
cblr-2966	775	5	whether	whether	SCONJ
cblr-2966	775	6	a	a	DET
cblr-2966	775	7	state	state	NOUN
cblr-2966	775	8	ever	ever	ADV
cblr-2966	775	9	had	have	VERB
cblr-2966	775	10	an	an	DET
cblr-2966	775	11	assignee	assignee	NOUN
cblr-2966	775	12	liability	liability	NOUN
cblr-2966	775	13	law	law	NOUN
cblr-2966	775	14	)	)	PUNCT
cblr-2966	776	1	+	+	CCONJ
cblr-2966	776	2	0*predatorylendinglaw	0*predatorylendinglaw	NOUN
cblr-2966	776	3	(	(	PUNCT
cblr-2966	776	4	whether	whether	SCONJ
cblr-2966	776	5	a	a	DET
cblr-2966	776	6	state	state	NOUN
cblr-2966	776	7	ever	ever	ADV
cblr-2966	776	8	had	have	VERB
cblr-2966	776	9	a	a	DET
cblr-2966	776	10	predatory	predatory	ADJ
cblr-2966	776	11	lending	lending	NOUN
cblr-2966	776	12	law	law	NOUN
cblr-2966	776	13	)	)	PUNCT
cblr-2966	777	1	+	+	CCONJ
cblr-2966	777	2	,	,	PUNCT
cblr-2966	777	3	..	..	PUNCT
cblr-2966	777	4	(	(	PUNCT
cblr-2966	777	5	individual	individual	ADJ
cblr-2966	777	6	characteristics	characteristic	NOUN
cblr-2966	777	7	of	of	ADP
cblr-2966	777	8	the	the	DET
cblr-2966	777	9	loan	loan	NOUN
cblr-2966	777	10	)	)	PUNCT
cblr-2966	778	1	+	+	CCONJ
cblr-2966	778	2	p	p	X
cblr-2966	778	3	,	,	PUNCT
cblr-2966	778	4	.	.	PUNCT
cblr-2966	779	1	(	(	PUNCT
cblr-2966	779	2	fixed	fix	VERB
cblr-2966	779	3	effects	effect	NOUN
cblr-2966	779	4	for	for	ADP
cblr-2966	779	5	state	state	NOUN
cblr-2966	779	6	and	and	CCONJ
cblr-2966	779	7	year	year	NOUN
cblr-2966	779	8	)	)	PUNCT
cblr-2966	779	9	.	.	PUNCT
cblr-2966	780	1	160	160	NUM
cblr-2966	780	2	the	the	DET
cblr-2966	780	3	state	state	NOUN
cblr-2966	780	4	-	-	PUNCT
cblr-2966	780	5	level	level	NOUN
cblr-2966	780	6	basic	basic	ADJ
cblr-2966	780	7	model	model	NOUN
cblr-2966	780	8	is	be	AUX
cblr-2966	780	9	very	very	ADV
cblr-2966	780	10	similar	similar	ADJ
cblr-2966	780	11	:	:	PUNCT
cblr-2966	780	12	(	(	PUNCT
cblr-2966	780	13	securitization	securitization	NOUN
cblr-2966	780	14	)	)	PUNCT
cblr-2966	780	15	=	=	PUNCT
cblr-2966	781	1	a	a	DET
cblr-2966	781	2	+	+	NUM
cblr-2966	781	3	vlawineffect	vlawineffect	NOUN
cblr-2966	781	4	(	(	PUNCT
cblr-2966	781	5	whether	whether	SCONJ
cblr-2966	781	6	predatory	predatory	NOUN
cblr-2966	781	7	or	or	CCONJ
cblr-2966	781	8	assignee	assignee	NOUN
cblr-2966	781	9	or	or	CCONJ
cblr-2966	781	10	both	both	PRON
cblr-2966	781	11	,	,	PUNCT
cblr-2966	781	12	the	the	DET
cblr-2966	781	13	measure	measure	NOUN
cblr-2966	781	14	is	be	AUX
cblr-2966	781	15	just	just	ADV
cblr-2966	781	16	trying	try	VERB
cblr-2966	781	17	to	to	PART
cblr-2966	781	18	capture	capture	VERB
cblr-2966	781	19	the	the	DET
cblr-2966	781	20	difference	difference	NOUN
cblr-2966	781	21	between	between	ADP
cblr-2966	781	22	the	the	DET
cblr-2966	781	23	laws	law	NOUN
cblr-2966	781	24	)	)	PUNCT
cblr-2966	782	1	+	+	CCONJ
cblr-2966	782	2	p	p	X
cblr-2966	782	3	,	,	PUNCT
cblr-2966	782	4	..	..	PUNCT
cblr-2966	782	5	(	(	PUNCT
cblr-2966	782	6	individual	individual	ADJ
cblr-2966	782	7	characteristics	characteristic	NOUN
cblr-2966	782	8	of	of	ADP
cblr-2966	782	9	the	the	DET
cblr-2966	782	10	loan	loan	NOUN
cblr-2966	782	11	)	)	PUNCT
cblr-2966	783	1	+	+	CCONJ
cblr-2966	783	2	0	0	NUM
cblr-2966	783	3	.,	.,	SYM
cblr-2966	783	4	..	..	PUNCT
cblr-2966	783	5	(fixed	(fixe	VERB
cblr-2966	783	6	effects	effect	NOUN
cblr-2966	783	7	for	for	ADP
cblr-2966	783	8	year	year	NOUN
cblr-2966	783	9	)	)	PUNCT
cblr-2966	783	10	.	.	PUNCT
cblr-2966	784	1	no	no	INTJ
cblr-2966	784	2	.	.	PUNCT
cblr-2966	785	1	3:1021	3:1021	NUM
cblr-2966	785	2	]	]	X
cblr-2966	785	3	rethinking	rethink	VERB
cblr-2966	785	4	assignee	assignee	NOUN
cblr-2966	785	5	liability	liability	NOUN
cblr-2966	785	6	columbia	columbia	PROPN
cblr-2966	785	7	business	business	NOUN
cblr-2966	785	8	law	law	PROPN
cblr-2966	785	9	review	review	NOUN
cblr-2966	785	10	for	for	ADP
cblr-2966	785	11	the	the	DET
cblr-2966	785	12	state	state	NOUN
cblr-2966	785	13	sample	sample	NOUN
cblr-2966	785	14	,	,	PUNCT
cblr-2966	785	15	specification	specification	NOUN
cblr-2966	785	16	(	(	PUNCT
cblr-2966	785	17	1	1	NUM
cblr-2966	785	18	)	)	PUNCT
cblr-2966	785	19	compares	compare	VERB
cblr-2966	785	20	pennsylvania	pennsylvania	PROPN
cblr-2966	785	21	and	and	CCONJ
cblr-2966	785	22	delaware	delaware	PROPN
cblr-2966	785	23	,	,	PUNCT
cblr-2966	785	24	measuring	measure	VERB
cblr-2966	785	25	the	the	DET
cblr-2966	785	26	difference	difference	NOUN
cblr-2966	785	27	between	between	ADP
cblr-2966	785	28	a	a	DET
cblr-2966	785	29	state	state	NOUN
cblr-2966	785	30	with	with	ADP
cblr-2966	785	31	a	a	DET
cblr-2966	785	32	law	law	NOUN
cblr-2966	785	33	without	without	ADP
cblr-2966	785	34	assignee	assignee	NOUN
cblr-2966	785	35	liability	liability	NOUN
cblr-2966	785	36	and	and	CCONJ
cblr-2966	785	37	a	a	DET
cblr-2966	785	38	state	state	NOUN
cblr-2966	785	39	without	without	ADP
cblr-2966	785	40	a	a	DET
cblr-2966	785	41	law.161	law.161	ADJ
cblr-2966	785	42	specification	specification	NOUN
cblr-2966	785	43	(	(	PUNCT
cblr-2966	785	44	2	2	NUM
cblr-2966	785	45	)	)	PUNCT
cblr-2966	785	46	compares	compare	VERB
cblr-2966	785	47	pennsylvania	pennsylvania	PROPN
cblr-2966	785	48	,	,	PUNCT
cblr-2966	785	49	a	a	DET
cblr-2966	785	50	state	state	NOUN
cblr-2966	785	51	that	that	PRON
cblr-2966	785	52	does	do	AUX
cblr-2966	785	53	not	not	PART
cblr-2966	785	54	impose	impose	VERB
cblr-2966	785	55	assignee	assignee	NOUN
cblr-2966	785	56	liability	liability	NOUN
cblr-2966	785	57	,	,	PUNCT
cblr-2966	785	58	with	with	ADP
cblr-2966	785	59	florida	florida	PROPN
cblr-2966	785	60	,	,	PUNCT
cblr-2966	785	61	a	a	DET
cblr-2966	785	62	state	state	NOUN
cblr-2966	785	63	that	that	PRON
cblr-2966	785	64	does	do	VERB
cblr-2966	785	65	,	,	PUNCT
cblr-2966	785	66	but	but	CCONJ
cblr-2966	785	67	with	with	ADP
cblr-2966	785	68	no	no	DET
cblr-2966	785	69	greater	great	ADJ
cblr-2966	785	70	penalty	penalty	NOUN
cblr-2966	785	71	than	than	ADP
cblr-2966	785	72	hoepa	hoepa	NOUN
cblr-2966	785	73	.	.	PUNCT
cblr-2966	786	1	62	62	NUM
cblr-2966	786	2	in	in	ADP
cblr-2966	786	3	both	both	DET
cblr-2966	786	4	specification	specification	NOUN
cblr-2966	786	5	(	(	PUNCT
cblr-2966	786	6	1	1	NUM
cblr-2966	786	7	)	)	PUNCT
cblr-2966	786	8	and	and	CCONJ
cblr-2966	786	9	specification	specification	NOUN
cblr-2966	786	10	(	(	PUNCT
cblr-2966	786	11	2	2	NUM
cblr-2966	786	12	)	)	PUNCT
cblr-2966	786	13	,	,	PUNCT
cblr-2966	786	14	the	the	DET
cblr-2966	786	15	laws	law	NOUN
cblr-2966	786	16	do	do	AUX
cblr-2966	786	17	not	not	PART
cblr-2966	786	18	exceed	exceed	VERB
cblr-2966	786	19	hoepa	hoepa	NOUN
cblr-2966	786	20	.	.	PUNCT
cblr-2966	787	1	finally	finally	ADV
cblr-2966	787	2	,	,	PUNCT
cblr-2966	787	3	specification	specification	NOUN
cblr-2966	787	4	(	(	PUNCT
cblr-2966	787	5	3	3	NUM
cblr-2966	787	6	)	)	PUNCT
cblr-2966	787	7	compares	compare	VERB
cblr-2966	787	8	california	california	PROPN
cblr-2966	787	9	and	and	CCONJ
cblr-2966	787	10	new	new	PROPN
cblr-2966	787	11	york	york	PROPN
cblr-2966	787	12	in	in	SCONJ
cblr-2966	787	13	order	order	NOUN
cblr-2966	787	14	to	to	PART
cblr-2966	787	15	test	test	VERB
cblr-2966	787	16	the	the	DET
cblr-2966	787	17	difference	difference	NOUN
cblr-2966	787	18	between	between	ADP
cblr-2966	787	19	a	a	DET
cblr-2966	787	20	state	state	NOUN
cblr-2966	787	21	with	with	ADP
cblr-2966	787	22	no	no	DET
cblr-2966	787	23	assignee	assignee	NOUN
cblr-2966	787	24	liability	liability	NOUN
cblr-2966	787	25	and	and	CCONJ
cblr-2966	787	26	a	a	DET
cblr-2966	787	27	state	state	NOUN
cblr-2966	787	28	with	with	ADP
cblr-2966	787	29	assignee	assignee	NOUN
cblr-2966	787	30	liability	liability	NOUN
cblr-2966	787	31	that	that	PRON
cblr-2966	787	32	is	be	AUX
cblr-2966	787	33	stronger	strong	ADJ
cblr-2966	787	34	,	,	PUNCT
cblr-2966	787	35	as	as	SCONJ
cblr-2966	787	36	measured	measure	VERB
cblr-2966	787	37	by	by	ADP
cblr-2966	787	38	the	the	DET
cblr-2966	787	39	s&p	s&p	PROPN
cblr-2966	787	40	index	index	NOUN
cblr-2966	787	41	,	,	PUNCT
cblr-2966	787	42	than	than	ADP
cblr-2966	787	43	hoepa	hoepa	NOUN
cblr-2966	787	44	63	63	NUM
cblr-2966	787	45	e.	e.	PROPN
cblr-2966	787	46	results	result	VERB
cblr-2966	787	47	1	1	NUM
cblr-2966	787	48	.	.	PUNCT
cblr-2966	788	1	full	full	ADJ
cblr-2966	788	2	sample	sample	NOUN
cblr-2966	788	3	a.	a.	NOUN
cblr-2966	788	4	rate	rate	NOUN
cblr-2966	788	5	spread	spread	NOUN
cblr-2966	788	6	:	:	PUNCT
cblr-2966	788	7	interest	interest	NOUN
cblr-2966	788	8	rate	rate	NOUN
cblr-2966	788	9	on	on	ADP
cblr-2966	788	10	subprime	subprime	ADJ
cblr-2966	788	11	loans	loan	NOUN
cblr-2966	788	12	table	table	NOUN
cblr-2966	788	13	12	12	NUM
cblr-2966	788	14	presents	present	VERB
cblr-2966	788	15	the	the	DET
cblr-2966	788	16	results	result	NOUN
cblr-2966	788	17	for	for	ADP
cblr-2966	788	18	rate	rate	NOUN
cblr-2966	788	19	spread	spread	VERB
cblr-2966	788	20	for	for	ADP
cblr-2966	788	21	the	the	DET
cblr-2966	788	22	entire	entire	ADJ
cblr-2966	788	23	national	national	ADJ
cblr-2966	788	24	sample	sample	NOUN
cblr-2966	788	25	.	.	PUNCT
cblr-2966	789	1	the	the	DET
cblr-2966	789	2	demographic	demographic	ADJ
cblr-2966	789	3	results	result	NOUN
cblr-2966	789	4	suggest	suggest	VERB
cblr-2966	789	5	that	that	SCONJ
cblr-2966	789	6	african	african	PROPN
cblr-2966	789	7	-	-	PUNCT
cblr-2966	789	8	americans	americans	PROPN
cblr-2966	789	9	and	and	CCONJ
cblr-2966	789	10	hispanics	hispanic	NOUN
cblr-2966	789	11	both	both	PRON
cblr-2966	789	12	face	face	VERB
cblr-2966	789	13	higher	high	ADJ
cblr-2966	789	14	rates	rate	NOUN
cblr-2966	789	15	as	as	ADP
cblr-2966	789	16	compared	compare	VERB
cblr-2966	789	17	to	to	ADP
cblr-2966	789	18	white	white	ADJ
cblr-2966	789	19	borrowers	borrower	NOUN
cblr-2966	789	20	.	.	PUNCT
cblr-2966	790	1	moreover	moreover	ADV
cblr-2966	790	2	,	,	PUNCT
cblr-2966	790	3	tractminoritypercent	tractminoritypercent	NOUN
cblr-2966	790	4	demonstrates	demonstrate	VERB
cblr-2966	790	5	that	that	SCONJ
cblr-2966	790	6	living	live	VERB
cblr-2966	790	7	in	in	ADP
cblr-2966	790	8	a	a	DET
cblr-2966	790	9	tract	tract	NOUN
cblr-2966	790	10	with	with	ADP
cblr-2966	790	11	more	more	ADJ
cblr-2966	790	12	than	than	ADP
cblr-2966	790	13	the	the	DET
cblr-2966	790	14	average	average	ADJ
cblr-2966	790	15	percentage	percentage	NOUN
cblr-2966	790	16	of	of	ADP
cblr-2966	790	17	minorities	minority	NOUN
cblr-2966	790	18	increases	increase	VERB
cblr-2966	790	19	the	the	DET
cblr-2966	790	20	likelihood	likelihood	NOUN
cblr-2966	790	21	of	of	ADP
cblr-2966	790	22	originating	originate	VERB
cblr-2966	790	23	a	a	DET
cblr-2966	790	24	more	more	ADV
cblr-2966	790	25	expensive	expensive	ADJ
cblr-2966	790	26	loan	loan	NOUN
cblr-2966	790	27	.	.	PUNCT
cblr-2966	791	1	it	it	PRON
cblr-2966	791	2	also	also	ADV
cblr-2966	791	3	suggests	suggest	VERB
cblr-2966	791	4	that	that	SCONJ
cblr-2966	791	5	applicant	applicant	ADJ
cblr-2966	791	6	income	income	NOUN
cblr-2966	791	7	is	be	AUX
cblr-2966	791	8	negatively	negatively	ADV
cblr-2966	791	9	correlated	correlate	VERB
cblr-2966	791	10	with	with	ADP
cblr-2966	791	11	higher	high	ADJ
cblr-2966	791	12	interest	interest	NOUN
cblr-2966	791	13	rate	rate	NOUN
cblr-2966	791	14	.	.	PUNCT
cblr-2966	792	1	specification	specification	NOUN
cblr-2966	792	2	(	(	PUNCT
cblr-2966	792	3	2	2	NUM
cblr-2966	792	4	)	)	PUNCT
cblr-2966	792	5	suggests	suggest	VERB
cblr-2966	792	6	that	that	SCONJ
cblr-2966	792	7	when	when	SCONJ
cblr-2966	792	8	an	an	DET
cblr-2966	792	9	assignee	assignee	NOUN
cblr-2966	792	10	liability	liability	NOUN
cblr-2966	792	11	law	law	NOUN
cblr-2966	792	12	is	be	AUX
cblr-2966	792	13	in	in	ADP
cblr-2966	792	14	effect	effect	NOUN
cblr-2966	792	15	,	,	PUNCT
cblr-2966	792	16	the	the	DET
cblr-2966	792	17	interest	interest	NOUN
cblr-2966	792	18	rate	rate	NOUN
cblr-2966	792	19	on	on	ADP
cblr-2966	792	20	high	high	ADJ
cblr-2966	792	21	cost	cost	NOUN
cblr-2966	792	22	loans	loan	NOUN
cblr-2966	792	23	increases	increase	NOUN
cblr-2966	792	24	.	.	PUNCT
cblr-2966	793	1	moreover	moreover	ADV
cblr-2966	793	2	,	,	PUNCT
cblr-2966	793	3	states	state	NOUN
cblr-2966	793	4	with	with	ADP
cblr-2966	793	5	predatory	predatory	ADJ
cblr-2966	793	6	lending	lending	NOUN
cblr-2966	793	7	laws	law	NOUN
cblr-2966	793	8	see	see	VERB
cblr-2966	793	9	a	a	DET
cblr-2966	793	10	decrease	decrease	NOUN
cblr-2966	793	11	in	in	ADP
cblr-2966	793	12	interest	interest	NOUN
cblr-2966	793	13	rates	rate	NOUN
cblr-2966	793	14	when	when	SCONJ
cblr-2966	793	15	compared	compare	VERB
cblr-2966	793	16	161	161	NUM
cblr-2966	793	17	see	see	NOUN
cblr-2966	793	18	63	63	NUM
cblr-2966	793	19	pa	pa	PROPN
cblr-2966	793	20	.	.	PROPN
cblr-2966	793	21	stat	stat	PROPN
cblr-2966	793	22	.	.	PUNCT
cblr-2966	794	1	ann	ann	PROPN
cblr-2966	794	2	.	.	PUNCT
cblr-2966	795	1	§	§	PROPN
cblr-2966	795	2	456.503	456.503	NUM
cblr-2966	795	3	(	(	PUNCT
cblr-2966	795	4	west	west	NOUN
cblr-2966	795	5	2007	2007	NUM
cblr-2966	795	6	)	)	PUNCT
cblr-2966	795	7	.	.	PUNCT
cblr-2966	796	1	16	16	NUM
cblr-2966	796	2	compare	compare	VERB
cblr-2966	796	3	i	i	PROPN
cblr-2966	796	4	d.	d.	PROPN
cblr-2966	796	5	with	with	ADP
cblr-2966	796	6	fla	fla	PROPN
cblr-2966	796	7	.	.	PUNCT
cblr-2966	797	1	stat	stat	PROPN
cblr-2966	797	2	.	.	PUNCT
cblr-2966	798	1	ann	ann	PROPN
cblr-2966	798	2	.	.	PUNCT
cblr-2966	799	1	§	§	PROPN
cblr-2966	799	2	494.00793	494.00793	NUM
cblr-2966	799	3	(	(	PUNCT
cblr-2966	799	4	west	west	NOUN
cblr-2966	799	5	2007	2007	NUM
cblr-2966	799	6	)	)	PUNCT
cblr-2966	799	7	.	.	PUNCT
cblr-2966	800	1	163	163	NUM
cblr-2966	800	2	compare	compare	VERB
cblr-2966	800	3	cal	cal	ADJ
cblr-2966	800	4	.	.	PUNCT
cblr-2966	801	1	fin	fin	NOUN
cblr-2966	801	2	.	.	PUNCT
cblr-2966	801	3	code	code	PROPN
cblr-2966	801	4	§	§	PROPN
cblr-2966	801	5	4970	4970	NUM
cblr-2966	801	6	(	(	PUNCT
cblr-2966	801	7	west	west	NOUN
cblr-2966	801	8	2007	2007	NUM
cblr-2966	801	9	)	)	PUNCT
cblr-2966	801	10	with	with	ADP
cblr-2966	801	11	n.y	n.y	PROPN
cblr-2966	801	12	.	.	PROPN
cblr-2966	801	13	banking	banking	NOUN
cblr-2966	801	14	law	law	NOUN
cblr-2966	801	15	§	§	PROPN
cblr-2966	801	16	6	6	NUM
cblr-2966	801	17	-	-	SYM
cblr-2966	801	18	1(13	1(13	NUM
cblr-2966	801	19	)	)	PUNCT
cblr-2966	801	20	(	(	PUNCT
cblr-2966	801	21	mckinney	mckinney	PROPN
cblr-2966	801	22	2003	2003	NUM
cblr-2966	801	23	)	)	PUNCT
cblr-2966	801	24	;	;	PUNCT
cblr-2966	801	25	see	see	VERB
cblr-2966	801	26	also	also	ADV
cblr-2966	801	27	criteria	criteria	VERB
cblr-2966	801	28	:	:	PUNCT
cblr-2966	801	29	anti	anti	ADJ
cblr-2966	801	30	-	-	ADJ
cblr-2966	801	31	predatory	predatory	ADJ
cblr-2966	801	32	lending	lending	NOUN
cblr-2966	801	33	law	law	NOUN
cblr-2966	801	34	update	update	NOUN
cblr-2966	801	35	,	,	PUNCT
cblr-2966	801	36	supra	supra	PROPN
cblr-2966	801	37	note	note	NOUN
cblr-2966	801	38	147	147	NUM
cblr-2966	801	39	(	(	PUNCT
cblr-2966	801	40	rating	rate	VERB
cblr-2966	801	41	new	new	PROPN
cblr-2966	801	42	york	york	PROPN
cblr-2966	801	43	's	's	PART
cblr-2966	801	44	law	law	NOUN
cblr-2966	801	45	as	as	ADP
cblr-2966	801	46	more	more	ADV
cblr-2966	801	47	aggressive	aggressive	ADJ
cblr-2966	801	48	than	than	ADP
cblr-2966	801	49	the	the	DET
cblr-2966	801	50	hoepa	hoepa	NOUN
cblr-2966	801	51	baseline	baseline	NOUN
cblr-2966	801	52	)	)	PUNCT
cblr-2966	801	53	.	.	PUNCT
cblr-2966	802	1	[	[	X
cblr-2966	802	2	vol	vol	NOUN
cblr-2966	802	3	.	.	NOUN
cblr-2966	802	4	2008	2008	NUM
cblr-2966	802	5	to	to	ADP
cblr-2966	802	6	states	state	NOUN
cblr-2966	802	7	without	without	ADP
cblr-2966	802	8	predatory	predatory	NOUN
cblr-2966	802	9	lending	lending	NOUN
cblr-2966	802	10	laws	law	NOUN
cblr-2966	802	11	.	.	PUNCT
cblr-2966	803	1	this	this	PRON
cblr-2966	803	2	suggests	suggest	VERB
cblr-2966	803	3	the	the	DET
cblr-2966	803	4	"	"	PUNCT
cblr-2966	803	5	lemon	lemon	NOUN
cblr-2966	803	6	effect	effect	NOUN
cblr-2966	803	7	"	"	PUNCT
cblr-2966	803	8	in	in	ADP
cblr-2966	803	9	full	full	ADJ
cblr-2966	803	10	force	force	NOUN
cblr-2966	803	11	.	.	PUNCT
cblr-2966	804	1	"m	"m	PROPN
cblr-2966	804	2	column	column	NOUN
cblr-2966	804	3	(	(	PUNCT
cblr-2966	804	4	3	3	X
cblr-2966	804	5	)	)	PUNCT
cblr-2966	804	6	lends	lend	VERB
cblr-2966	804	7	further	further	ADJ
cblr-2966	804	8	support	support	NOUN
cblr-2966	804	9	to	to	ADP
cblr-2966	804	10	this	this	DET
cblr-2966	804	11	hypothesis	hypothesis	NOUN
cblr-2966	804	12	by	by	ADP
cblr-2966	804	13	demonstrating	demonstrate	VERB
cblr-2966	804	14	that	that	SCONJ
cblr-2966	804	15	stronger	strong	ADJ
cblr-2966	804	16	assignee	assignee	NOUN
cblr-2966	804	17	liability	liability	NOUN
cblr-2966	804	18	laws	law	NOUN
cblr-2966	804	19	actually	actually	ADV
cblr-2966	804	20	reduce	reduce	VERB
cblr-2966	804	21	interest	interest	NOUN
cblr-2966	804	22	rates	rate	NOUN
cblr-2966	804	23	.	.	PUNCT
cblr-2966	805	1	finally	finally	ADV
cblr-2966	805	2	,	,	PUNCT
cblr-2966	805	3	in	in	ADP
cblr-2966	805	4	specification	specification	NOUN
cblr-2966	805	5	(	(	PUNCT
cblr-2966	805	6	4	4	NUM
cblr-2966	805	7	)	)	PUNCT
cblr-2966	805	8	,	,	PUNCT
cblr-2966	805	9	the	the	DET
cblr-2966	805	10	interaction	interaction	NOUN
cblr-2966	805	11	between	between	ADP
cblr-2966	805	12	assigneeindex	assigneeindex	NOUN
cblr-2966	805	13	and	and	CCONJ
cblr-2966	805	14	assigneeineffect	assigneeineffect	ADJ
cblr-2966	805	15	suggests	suggest	VERB
cblr-2966	805	16	that	that	SCONJ
cblr-2966	805	17	marginally	marginally	ADV
cblr-2966	805	18	increasing	increase	VERB
cblr-2966	805	19	the	the	DET
cblr-2966	805	20	strength	strength	NOUN
cblr-2966	805	21	of	of	ADP
cblr-2966	805	22	an	an	DET
cblr-2966	805	23	assignee	assignee	NOUN
cblr-2966	805	24	liability	liability	NOUN
cblr-2966	805	25	law	law	NOUN
cblr-2966	805	26	that	that	PRON
cblr-2966	805	27	is	be	AUX
cblr-2966	805	28	already	already	ADV
cblr-2966	805	29	in	in	ADP
cblr-2966	805	30	effect	effect	NOUN
cblr-2966	805	31	mitigates	mitigate	VERB
cblr-2966	805	32	the	the	DET
cblr-2966	805	33	higher	high	ADJ
cblr-2966	805	34	costs	cost	NOUN
cblr-2966	805	35	caused	cause	VERB
cblr-2966	805	36	by	by	ADP
cblr-2966	805	37	the	the	DET
cblr-2966	805	38	assignee	assignee	NOUN
cblr-2966	805	39	law	law	NOUN
cblr-2966	805	40	.	.	PUNCT
cblr-2966	806	1	these	these	DET
cblr-2966	806	2	interactions	interaction	NOUN
cblr-2966	806	3	describe	describe	VERB
cblr-2966	806	4	the	the	DET
cblr-2966	806	5	conflicting	conflicting	ADJ
cblr-2966	806	6	influences	influence	NOUN
cblr-2966	806	7	of	of	ADP
cblr-2966	806	8	the	the	DET
cblr-2966	806	9	"	"	PUNCT
cblr-2966	806	10	lemon	lemon	NOUN
cblr-2966	806	11	effect	effect	NOUN
cblr-2966	806	12	"	"	PUNCT
cblr-2966	806	13	and	and	CCONJ
cblr-2966	806	14	increased	increase	VERB
cblr-2966	806	15	costs	cost	NOUN
cblr-2966	806	16	to	to	ADP
cblr-2966	806	17	securitization	securitization	NOUN
cblr-2966	806	18	.	.	PUNCT
cblr-2966	807	1	specification	specification	NOUN
cblr-2966	807	2	(	(	PUNCT
cblr-2966	807	3	2	2	NUM
cblr-2966	807	4	)	)	PUNCT
cblr-2966	807	5	suggests	suggest	VERB
cblr-2966	807	6	that	that	SCONJ
cblr-2966	807	7	assignee	assignee	NOUN
cblr-2966	807	8	laws	law	NOUN
cblr-2966	807	9	increase	increase	VERB
cblr-2966	807	10	the	the	DET
cblr-2966	807	11	cost	cost	NOUN
cblr-2966	807	12	of	of	ADP
cblr-2966	807	13	subprime	subprime	ADJ
cblr-2966	807	14	lending	lending	NOUN
cblr-2966	807	15	,	,	PUNCT
cblr-2966	807	16	leading	lead	VERB
cblr-2966	807	17	to	to	ADP
cblr-2966	807	18	an	an	DET
cblr-2966	807	19	increase	increase	NOUN
cblr-2966	807	20	in	in	ADP
cblr-2966	807	21	interest	interest	NOUN
cblr-2966	807	22	rates	rate	NOUN
cblr-2966	807	23	.	.	PUNCT
cblr-2966	808	1	however	however	ADV
cblr-2966	808	2	,	,	PUNCT
cblr-2966	808	3	a	a	DET
cblr-2966	808	4	predatory	predatory	ADJ
cblr-2966	808	5	lending	lending	NOUN
cblr-2966	808	6	law	law	NOUN
cblr-2966	808	7	has	have	VERB
cblr-2966	808	8	the	the	DET
cblr-2966	808	9	opposite	opposite	ADJ
cblr-2966	808	10	effect	effect	NOUN
cblr-2966	808	11	.	.	PUNCT
cblr-2966	809	1	the	the	DET
cblr-2966	809	2	difference	difference	NOUN
cblr-2966	809	3	is	be	AUX
cblr-2966	809	4	the	the	DET
cblr-2966	809	5	effect	effect	NOUN
cblr-2966	809	6	each	each	DET
cblr-2966	809	7	regime	regime	NOUN
cblr-2966	809	8	has	have	VERB
cblr-2966	809	9	on	on	ADP
cblr-2966	809	10	the	the	DET
cblr-2966	809	11	asymmetric	asymmetric	ADJ
cblr-2966	809	12	information	information	NOUN
cblr-2966	809	13	problem	problem	NOUN
cblr-2966	809	14	.	.	PUNCT
cblr-2966	809	15	'65	'65	NUM
cblr-2966	810	1	the	the	DET
cblr-2966	810	2	following	follow	VERB
cblr-2966	810	3	illustration	illustration	NOUN
cblr-2966	810	4	may	may	AUX
cblr-2966	810	5	prove	prove	VERB
cblr-2966	810	6	useful	useful	ADJ
cblr-2966	810	7	.	.	PUNCT
cblr-2966	811	1	the	the	DET
cblr-2966	811	2	existence	existence	NOUN
cblr-2966	811	3	of	of	ADP
cblr-2966	811	4	a	a	DET
cblr-2966	811	5	state	state	NOUN
cblr-2966	811	6	law	law	NOUN
cblr-2966	811	7	boosts	boost	VERB
cblr-2966	811	8	the	the	DET
cblr-2966	811	9	confidence	confidence	NOUN
cblr-2966	811	10	of	of	ADP
cblr-2966	811	11	consumers	consumer	NOUN
cblr-2966	811	12	,	,	PUNCT
cblr-2966	811	13	which	which	DET
cblr-2966	811	14	gain	gain	NOUN
cblr-2966	811	15	is	be	AUX
cblr-2966	811	16	symbolized	symbolize	VERB
cblr-2966	811	17	by	by	ADP
cblr-2966	811	18	x.	x.	NOUN
cblr-2966	811	19	the	the	DET
cblr-2966	811	20	subprime	subprime	ADJ
cblr-2966	811	21	lender	lender	NOUN
cblr-2966	811	22	incurs	incur	VERB
cblr-2966	811	23	a	a	DET
cblr-2966	811	24	cost	cost	NOUN
cblr-2966	811	25	,	,	PUNCT
cblr-2966	811	26	y.	y.	NOUN
cblr-2966	811	27	the	the	DET
cblr-2966	811	28	consumer	consumer	NOUN
cblr-2966	811	29	initially	initially	ADV
cblr-2966	811	30	hesitates	hesitate	VERB
cblr-2966	811	31	to	to	PART
cblr-2966	811	32	enter	enter	VERB
cblr-2966	811	33	the	the	DET
cblr-2966	811	34	subprime	subprime	ADJ
cblr-2966	811	35	loan	loan	NOUN
cblr-2966	811	36	market	market	NOUN
cblr-2966	811	37	due	due	ADP
cblr-2966	811	38	to	to	ADP
cblr-2966	811	39	the	the	DET
cblr-2966	811	40	transaction	transaction	NOUN
cblr-2966	811	41	costs	cost	NOUN
cblr-2966	811	42	imposed	impose	VERB
cblr-2966	811	43	by	by	ADP
cblr-2966	811	44	the	the	DET
cblr-2966	811	45	uncertain	uncertain	ADJ
cblr-2966	811	46	possibility	possibility	NOUN
cblr-2966	811	47	of	of	ADP
cblr-2966	811	48	deception	deception	NOUN
cblr-2966	811	49	,	,	PUNCT
cblr-2966	811	50	the	the	DET
cblr-2966	811	51	"	"	PUNCT
cblr-2966	811	52	lemon	lemon	NOUN
cblr-2966	811	53	effect	effect	NOUN
cblr-2966	811	54	,	,	PUNCT
cblr-2966	811	55	"	"	PUNCT
cblr-2966	811	56	z.	z.	PROPN
cblr-2966	811	57	when	when	SCONJ
cblr-2966	811	58	the	the	DET
cblr-2966	811	59	predatory	predatory	NOUN
cblr-2966	811	60	lending	lending	NOUN
cblr-2966	811	61	law	law	NOUN
cblr-2966	811	62	comes	come	VERB
cblr-2966	811	63	into	into	ADP
cblr-2966	811	64	place	place	NOUN
cblr-2966	811	65	,	,	PUNCT
cblr-2966	811	66	the	the	DET
cblr-2966	811	67	consumer	consumer	NOUN
cblr-2966	811	68	price	price	NOUN
cblr-2966	811	69	equation	equation	NOUN
cblr-2966	811	70	becomes	become	VERB
cblr-2966	811	71	z	z	NOUN
cblr-2966	811	72	-	-	PUNCT
cblr-2966	811	73	x.	x.	NOUN
cblr-2966	811	74	if	if	SCONJ
cblr-2966	811	75	z	z	NOUN
cblr-2966	811	76	-	-	PUNCT
cblr-2966	811	77	x	x	ADP
cblr-2966	811	78	sufficiently	sufficiently	ADV
cblr-2966	811	79	reduces	reduce	VERB
cblr-2966	811	80	costs	cost	NOUN
cblr-2966	811	81	such	such	ADJ
cblr-2966	811	82	that	that	SCONJ
cblr-2966	811	83	the	the	DET
cblr-2966	811	84	consumer	consumer	NOUN
cblr-2966	811	85	receives	receive	VERB
cblr-2966	811	86	a	a	DET
cblr-2966	811	87	net	net	ADJ
cblr-2966	811	88	gain	gain	NOUN
cblr-2966	811	89	from	from	ADP
cblr-2966	811	90	entering	enter	VERB
cblr-2966	811	91	the	the	DET
cblr-2966	811	92	subprime	subprime	ADJ
cblr-2966	811	93	market	market	NOUN
cblr-2966	811	94	,	,	PUNCT
cblr-2966	811	95	he	he	PRON
cblr-2966	811	96	or	or	CCONJ
cblr-2966	811	97	she	she	PRON
cblr-2966	811	98	will	will	AUX
cblr-2966	811	99	do	do	VERB
cblr-2966	811	100	so	so	ADV
cblr-2966	811	101	.	.	PUNCT
cblr-2966	812	1	however	however	ADV
cblr-2966	812	2	,	,	PUNCT
cblr-2966	812	3	enacting	enact	VERB
cblr-2966	812	4	a	a	DET
cblr-2966	812	5	predatory	predatory	ADJ
cblr-2966	812	6	lending	lending	NOUN
cblr-2966	812	7	law	law	NOUN
cblr-2966	812	8	with	with	ADP
cblr-2966	812	9	assignee	assignee	NOUN
cblr-2966	812	10	liability	liability	NOUN
cblr-2966	812	11	is	be	AUX
cblr-2966	812	12	unlikely	unlikely	ADJ
cblr-2966	812	13	to	to	PART
cblr-2966	812	14	affect	affect	VERB
cblr-2966	812	15	the	the	DET
cblr-2966	812	16	day	day	NOUN
cblr-2966	812	17	-	-	PUNCT
cblr-2966	812	18	to	to	ADP
cblr-2966	812	19	-	-	PUNCT
cblr-2966	812	20	day	day	NOUN
cblr-2966	812	21	behavior	behavior	NOUN
cblr-2966	812	22	of	of	ADP
cblr-2966	812	23	the	the	DET
cblr-2966	812	24	average	average	ADJ
cblr-2966	812	25	consumer	consumer	NOUN
cblr-2966	812	26	any	any	ADV
cblr-2966	812	27	more	more	ADJ
cblr-2966	812	28	than	than	ADP
cblr-2966	812	29	a	a	DET
cblr-2966	812	30	predatory	predatory	ADJ
cblr-2966	812	31	law	law	NOUN
cblr-2966	812	32	without	without	SCONJ
cblr-2966	812	33	assignee	assignee	NOUN
cblr-2966	812	34	liability	liability	NOUN
cblr-2966	812	35	does.166	does.166	NOUN
cblr-2966	812	36	yet	yet	ADV
cblr-2966	812	37	,	,	PUNCT
cblr-2966	812	38	such	such	DET
cblr-2966	812	39	a	a	DET
cblr-2966	812	40	law	law	NOUN
cblr-2966	812	41	is	be	AUX
cblr-2966	812	42	likely	likely	ADJ
cblr-2966	812	43	to	to	PART
cblr-2966	812	44	impact	impact	VERB
cblr-2966	812	45	a	a	DET
cblr-2966	812	46	potential	potential	ADJ
cblr-2966	812	47	lender	lender	NOUN
cblr-2966	812	48	.	.	PUNCT
cblr-2966	813	1	the	the	DET
cblr-2966	813	2	lender	lender	NOUN
cblr-2966	813	3	incurs	incur	VERB
cblr-2966	813	4	cost	cost	PROPN
cblr-2966	813	5	y+a	y+a	PROPN
cblr-2966	813	6	(	(	PUNCT
cblr-2966	813	7	assignee	assignee	NOUN
cblr-2966	813	8	liability	liability	NOUN
cblr-2966	813	9	securitization	securitization	NOUN
cblr-2966	813	10	cost	cost	NOUN
cblr-2966	813	11	)	)	PUNCT
cblr-2966	813	12	,	,	PUNCT
cblr-2966	813	13	even	even	ADV
cblr-2966	813	14	though	though	SCONJ
cblr-2966	813	15	the	the	DET
cblr-2966	813	16	consumer	consumer	NOUN
cblr-2966	813	17	maintains	maintain	VERB
cblr-2966	813	18	only	only	ADV
cblr-2966	813	19	boost	boost	NOUN
cblr-2966	813	20	of	of	ADP
cblr-2966	813	21	confidence	confidence	NOUN
cblr-2966	813	22	x.	x.	NOUN
cblr-2966	813	23	14	14	NUM
cblr-2966	813	24	ho	ho	PROPN
cblr-2966	813	25	&	&	CCONJ
cblr-2966	813	26	pennington	pennington	PROPN
cblr-2966	813	27	-	-	PUNCT
cblr-2966	813	28	cross	cross	PROPN
cblr-2966	813	29	,	,	PUNCT
cblr-2966	813	30	supra	supra	ADJ
cblr-2966	813	31	note	note	NOUN
cblr-2966	813	32	14	14	NUM
cblr-2966	813	33	.	.	PUNCT
cblr-2966	814	1	16	16	NUM
cblr-2966	814	2	akerlof	akerlof	ADJ
cblr-2966	814	3	,	,	PUNCT
cblr-2966	814	4	supra	supra	PROPN
cblr-2966	814	5	note	note	NOUN
cblr-2966	814	6	153	153	NUM
cblr-2966	814	7	,	,	PUNCT
cblr-2966	814	8	at	at	ADP
cblr-2966	814	9	495	495	NUM
cblr-2966	814	10	.	.	PUNCT
cblr-2966	815	1	as	as	SCONJ
cblr-2966	815	2	suggested	suggest	VERB
cblr-2966	815	3	earlier	early	ADV
cblr-2966	815	4	,	,	PUNCT
cblr-2966	815	5	it	it	PRON
cblr-2966	815	6	seems	seem	VERB
cblr-2966	815	7	unlikely	unlikely	ADJ
cblr-2966	815	8	that	that	SCONJ
cblr-2966	815	9	a	a	DET
cblr-2966	815	10	consumer	consumer	NOUN
cblr-2966	815	11	would	would	AUX
cblr-2966	815	12	understand	understand	VERB
cblr-2966	815	13	how	how	SCONJ
cblr-2966	815	14	an	an	DET
cblr-2966	815	15	assignee	assignee	NOUN
cblr-2966	815	16	liability	liability	NOUN
cblr-2966	815	17	law	law	NOUN
cblr-2966	815	18	works	work	VERB
cblr-2966	815	19	,	,	PUNCT
cblr-2966	815	20	or	or	CCONJ
cblr-2966	815	21	what	what	PRON
cblr-2966	815	22	it	it	PRON
cblr-2966	815	23	does	do	VERB
cblr-2966	815	24	.	.	PUNCT
cblr-2966	816	1	thus	thus	ADV
cblr-2966	816	2	,	,	PUNCT
cblr-2966	816	3	while	while	SCONJ
cblr-2966	816	4	the	the	DET
cblr-2966	816	5	assignees	assignee	NOUN
cblr-2966	816	6	and	and	CCONJ
cblr-2966	816	7	originators	originator	NOUN
cblr-2966	816	8	would	would	AUX
cblr-2966	816	9	be	be	AUX
cblr-2966	816	10	concerned	concern	VERB
cblr-2966	816	11	by	by	ADP
cblr-2966	816	12	the	the	DET
cblr-2966	816	13	law	law	NOUN
cblr-2966	816	14	,	,	PUNCT
cblr-2966	816	15	assignee	assignee	NOUN
cblr-2966	816	16	liability	liability	NOUN
cblr-2966	816	17	is	be	AUX
cblr-2966	816	18	unlikely	unlikely	ADJ
cblr-2966	816	19	to	to	PART
cblr-2966	816	20	garner	garner	VERB
cblr-2966	816	21	more	more	ADJ
cblr-2966	816	22	consumers	consumer	NOUN
cblr-2966	816	23	to	to	ADP
cblr-2966	816	24	the	the	DET
cblr-2966	816	25	market	market	NOUN
cblr-2966	816	26	then	then	ADV
cblr-2966	816	27	a	a	DET
cblr-2966	816	28	traditional	traditional	ADJ
cblr-2966	816	29	predatory	predatory	ADJ
cblr-2966	816	30	lending	lending	NOUN
cblr-2966	816	31	law	law	NOUN
cblr-2966	816	32	.	.	PUNCT
cblr-2966	817	1	no	no	INTJ
cblr-2966	817	2	.	.	PUNCT
cblr-2966	818	1	3:1021	3:1021	NUM
cblr-2966	818	2	]	]	X
cblr-2966	819	1	rethinking	rethink	VERB
cblr-2966	819	2	assignee	assignee	NOUN
cblr-2966	819	3	liability	liability	NOUN
cblr-2966	819	4	columbia	columbia	PROPN
cblr-2966	819	5	business	business	NOUN
cblr-2966	819	6	law	law	PROPN
cblr-2966	819	7	re	re	AUX
cblr-2966	819	8	view	view	VERB
cblr-2966	819	9	nevertheless	nevertheless	ADV
cblr-2966	819	10	,	,	PUNCT
cblr-2966	819	11	the	the	DET
cblr-2966	819	12	negative	negative	ADJ
cblr-2966	819	13	coefficient	coefficient	NOUN
cblr-2966	819	14	for	for	ADP
cblr-2966	819	15	the	the	DET
cblr-2966	819	16	interaction	interaction	NOUN
cblr-2966	819	17	of	of	ADP
cblr-2966	819	18	the	the	DET
cblr-2966	819	19	strength	strength	NOUN
cblr-2966	819	20	of	of	ADP
cblr-2966	819	21	an	an	DET
cblr-2966	819	22	assignee	assignee	NOUN
cblr-2966	819	23	liability	liability	NOUN
cblr-2966	819	24	law	law	NOUN
cblr-2966	819	25	(	(	PUNCT
cblr-2966	819	26	assigneeindex	assigneeindex	NOUN
cblr-2966	819	27	)	)	PUNCT
cblr-2966	819	28	with	with	ADP
cblr-2966	819	29	its	its	PRON
cblr-2966	819	30	existence	existence	NOUN
cblr-2966	819	31	(	(	PUNCT
cblr-2966	819	32	assigneeineffect	assigneeineffect	ADJ
cblr-2966	819	33	)	)	PUNCT
cblr-2966	819	34	in	in	ADP
cblr-2966	819	35	specification	specification	NOUN
cblr-2966	819	36	(	(	PUNCT
cblr-2966	819	37	4	4	NUM
cblr-2966	819	38	)	)	PUNCT
cblr-2966	819	39	suggests	suggest	VERB
cblr-2966	819	40	something	something	PRON
cblr-2966	819	41	more	more	ADV
cblr-2966	819	42	interesting	interesting	ADJ
cblr-2966	819	43	.	.	PUNCT
cblr-2966	820	1	weak	weak	ADJ
cblr-2966	820	2	assignee	assignee	NOUN
cblr-2966	820	3	liability	liability	NOUN
cblr-2966	820	4	laws	law	NOUN
cblr-2966	820	5	create	create	VERB
cblr-2966	820	6	few	few	ADJ
cblr-2966	820	7	additional	additional	ADJ
cblr-2966	820	8	costs	cost	NOUN
cblr-2966	820	9	for	for	ADP
cblr-2966	820	10	originators	originator	NOUN
cblr-2966	820	11	because	because	SCONJ
cblr-2966	820	12	they	they	PRON
cblr-2966	820	13	are	be	AUX
cblr-2966	820	14	no	no	ADV
cblr-2966	820	15	different	different	ADJ
cblr-2966	820	16	from	from	ADP
cblr-2966	820	17	the	the	DET
cblr-2966	820	18	nationwide	nationwide	ADJ
cblr-2966	820	19	hoepa	hoepa	NOUN
cblr-2966	820	20	base	base	NOUN
cblr-2966	820	21	-	-	PUNCT
cblr-2966	820	22	level	level	NOUN
cblr-2966	820	23	.	.	PUNCT
cblr-2966	821	1	however	however	ADV
cblr-2966	821	2	,	,	PUNCT
cblr-2966	821	3	originators	originator	NOUN
cblr-2966	821	4	under	under	ADP
cblr-2966	821	5	such	such	ADJ
cblr-2966	821	6	regimes	regime	NOUN
cblr-2966	821	7	avoid	avoid	VERB
cblr-2966	821	8	draconian	draconian	ADJ
cblr-2966	821	9	assignee	assignee	NOUN
cblr-2966	821	10	liability	liability	NOUN
cblr-2966	821	11	laws	law	NOUN
cblr-2966	821	12	.	.	PUNCT
cblr-2966	822	1	these	these	DET
cblr-2966	822	2	laws	law	NOUN
cblr-2966	822	3	,	,	PUNCT
cblr-2966	822	4	like	like	ADP
cblr-2966	822	5	hoepa	hoepa	NOUN
cblr-2966	822	6	,	,	PUNCT
cblr-2966	822	7	typically	typically	ADV
cblr-2966	822	8	have	have	VERB
cblr-2966	822	9	interest	interest	NOUN
cblr-2966	822	10	rate	rate	NOUN
cblr-2966	822	11	triggers	trigger	NOUN
cblr-2966	822	12	.	.	PUNCT
cblr-2966	823	1	most	most	ADJ
cblr-2966	823	2	states	state	NOUN
cblr-2966	823	3	adopt	adopt	VERB
cblr-2966	823	4	the	the	DET
cblr-2966	823	5	same	same	ADJ
cblr-2966	823	6	triggers	trigger	NOUN
cblr-2966	823	7	as	as	ADP
cblr-2966	823	8	hoepa	hoepa	NOUN
cblr-2966	823	9	,	,	PUNCT
cblr-2966	823	10	but	but	CCONJ
cblr-2966	823	11	the	the	DET
cblr-2966	823	12	most	most	ADV
cblr-2966	823	13	typical	typical	ADJ
cblr-2966	823	14	way	way	NOUN
cblr-2966	823	15	a	a	DET
cblr-2966	823	16	law	law	NOUN
cblr-2966	823	17	becomes	become	VERB
cblr-2966	823	18	more	more	ADV
cblr-2966	823	19	draconian	draconian	ADJ
cblr-2966	823	20	is	be	AUX
cblr-2966	823	21	by	by	ADP
cblr-2966	823	22	setting	set	VERB
cblr-2966	823	23	a	a	DET
cblr-2966	823	24	lower	low	ADJ
cblr-2966	823	25	trigger	trigger	NOUN
cblr-2966	823	26	rate	rate	NOUN
cblr-2966	823	27	.	.	PUNCT
cblr-2966	824	1	'	'	NUM
cblr-2966	824	2	67	67	NUM
cblr-2966	824	3	the	the	DET
cblr-2966	824	4	negative	negative	ADJ
cblr-2966	824	5	coefficient	coefficient	NOUN
cblr-2966	824	6	for	for	ADP
cblr-2966	824	7	marginally	marginally	ADV
cblr-2966	824	8	increasing	increase	VERB
cblr-2966	824	9	the	the	DET
cblr-2966	824	10	strength	strength	NOUN
cblr-2966	824	11	of	of	ADP
cblr-2966	824	12	an	an	DET
cblr-2966	824	13	assignee	assignee	NOUN
cblr-2966	824	14	liability	liability	NOUN
cblr-2966	824	15	law	law	NOUN
cblr-2966	824	16	suggests	suggest	VERB
cblr-2966	824	17	that	that	SCONJ
cblr-2966	824	18	when	when	SCONJ
cblr-2966	824	19	a	a	DET
cblr-2966	824	20	state	state	NOUN
cblr-2966	824	21	passes	pass	VERB
cblr-2966	824	22	a	a	DET
cblr-2966	824	23	stronger	strong	ADJ
cblr-2966	824	24	law	law	NOUN
cblr-2966	824	25	,	,	PUNCT
cblr-2966	824	26	originators	originator	NOUN
cblr-2966	824	27	lower	lower	VERB
cblr-2966	824	28	their	their	PRON
cblr-2966	824	29	interest	interest	NOUN
cblr-2966	824	30	rates	rate	NOUN
cblr-2966	824	31	in	in	ADP
cblr-2966	824	32	order	order	NOUN
cblr-2966	824	33	to	to	PART
cblr-2966	824	34	avoid	avoid	VERB
cblr-2966	824	35	coverage	coverage	NOUN
cblr-2966	824	36	by	by	ADP
cblr-2966	824	37	the	the	DET
cblr-2966	824	38	law	law	NOUN
cblr-2966	824	39	.	.	PUNCT
cblr-2966	825	1	that	that	PRON
cblr-2966	825	2	originators	originator	NOUN
cblr-2966	825	3	care	care	VERB
cblr-2966	825	4	about	about	ADP
cblr-2966	825	5	avoiding	avoid	VERB
cblr-2966	825	6	assignee	assignee	NOUN
cblr-2966	825	7	liability	liability	NOUN
cblr-2966	825	8	laws	law	NOUN
cblr-2966	825	9	should	should	AUX
cblr-2966	825	10	come	come	VERB
cblr-2966	825	11	as	as	ADP
cblr-2966	825	12	no	no	DET
cblr-2966	825	13	surprise	surprise	NOUN
cblr-2966	825	14	.	.	PUNCT
cblr-2966	826	1	given	give	VERB
cblr-2966	826	2	the	the	DET
cblr-2966	826	3	ease	ease	NOUN
cblr-2966	826	4	with	with	ADP
cblr-2966	826	5	which	which	PRON
cblr-2966	826	6	predatory	predatory	NOUN
cblr-2966	826	7	laws	law	NOUN
cblr-2966	826	8	can	can	AUX
cblr-2966	826	9	be	be	AUX
cblr-2966	826	10	avoided	avoid	VERB
cblr-2966	826	11	,	,	PUNCT
cblr-2966	826	12	regulators	regulator	NOUN
cblr-2966	826	13	should	should	AUX
cblr-2966	826	14	be	be	AUX
cblr-2966	826	15	especially	especially	ADV
cblr-2966	826	16	concerned	concerned	ADJ
cblr-2966	826	17	about	about	ADP
cblr-2966	826	18	lulling	lull	VERB
cblr-2966	826	19	consumers	consumer	NOUN
cblr-2966	826	20	into	into	ADP
cblr-2966	826	21	a	a	DET
cblr-2966	826	22	false	false	ADJ
cblr-2966	826	23	sense	sense	NOUN
cblr-2966	826	24	of	of	ADP
cblr-2966	826	25	security	security	NOUN
cblr-2966	826	26	.	.	PUNCT
cblr-2966	827	1	2	2	X
cblr-2966	827	2	.	.	X
cblr-2966	827	3	high	high	ADJ
cblr-2966	827	4	cost	cost	NOUN
cblr-2966	827	5	:	:	PUNCT
cblr-2966	827	6	probability	probability	NOUN
cblr-2966	827	7	of	of	ADP
cblr-2966	827	8	originating	originate	VERB
cblr-2966	827	9	a	a	DET
cblr-2966	827	10	high	high	ADJ
cblr-2966	827	11	cost	cost	NOUN
cblr-2966	827	12	loan	loan	NOUN
cblr-2966	827	13	table	table	NOUN
cblr-2966	827	14	13	13	NUM
cblr-2966	827	15	presents	present	VERB
cblr-2966	827	16	the	the	DET
cblr-2966	827	17	full	full	ADJ
cblr-2966	827	18	sample	sample	NOUN
cblr-2966	827	19	results	result	NOUN
cblr-2966	827	20	for	for	ADP
cblr-2966	827	21	the	the	DET
cblr-2966	827	22	probability	probability	NOUN
cblr-2966	827	23	of	of	ADP
cblr-2966	827	24	originating	originate	VERB
cblr-2966	827	25	a	a	DET
cblr-2966	827	26	"	"	PUNCT
cblr-2966	827	27	high	high	ADJ
cblr-2966	827	28	cost	cost	NOUN
cblr-2966	827	29	"	"	PUNCT
cblr-2966	827	30	(	(	PUNCT
cblr-2966	827	31	subprime	subprime	ADJ
cblr-2966	827	32	)	)	PUNCT
cblr-2966	827	33	loan	loan	NOUN
cblr-2966	827	34	.	.	PUNCT
cblr-2966	828	1	in	in	ADP
cblr-2966	828	2	specification	specification	NOUN
cblr-2966	828	3	(	(	PUNCT
cblr-2966	828	4	2	2	NUM
cblr-2966	828	5	)	)	PUNCT
cblr-2966	828	6	,	,	PUNCT
cblr-2966	828	7	assignee	assignee	NOUN
cblr-2966	828	8	liability	liability	NOUN
cblr-2966	828	9	is	be	AUX
cblr-2966	828	10	insignificant	insignificant	ADJ
cblr-2966	828	11	,	,	PUNCT
cblr-2966	828	12	and	and	CCONJ
cblr-2966	828	13	specification	specification	NOUN
cblr-2966	828	14	(	(	PUNCT
cblr-2966	828	15	3	3	NUM
cblr-2966	828	16	)	)	PUNCT
cblr-2966	828	17	demonstrates	demonstrate	VERB
cblr-2966	828	18	that	that	SCONJ
cblr-2966	828	19	only	only	ADV
cblr-2966	828	20	the	the	DET
cblr-2966	828	21	attitude	attitude	NOUN
cblr-2966	828	22	of	of	ADP
cblr-2966	828	23	the	the	DET
cblr-2966	828	24	state	state	NOUN
cblr-2966	828	25	toward	toward	ADP
cblr-2966	828	26	assignee	assignee	NOUN
cblr-2966	828	27	liability	liability	NOUN
cblr-2966	828	28	-	-	PUNCT
cblr-2966	828	29	as	as	SCONJ
cblr-2966	828	30	demonstrated	demonstrate	VERB
cblr-2966	828	31	by	by	ADP
cblr-2966	828	32	passing	pass	VERB
cblr-2966	828	33	a	a	DET
cblr-2966	828	34	particularly	particularly	ADV
cblr-2966	828	35	strong	strong	ADJ
cblr-2966	828	36	assignee	assignee	NOUN
cblr-2966	828	37	law	law	NOUN
cblr-2966	828	38	-	-	PUNCT
cblr-2966	828	39	reduces	reduce	VERB
cblr-2966	828	40	high	high	ADJ
cblr-2966	828	41	cost	cost	NOUN
cblr-2966	828	42	(	(	PUNCT
cblr-2966	828	43	subprime	subprime	ADJ
cblr-2966	828	44	)	)	PUNCT
cblr-2966	828	45	loans	loan	NOUN
cblr-2966	828	46	.	.	PUNCT
cblr-2966	829	1	specification	specification	NOUN
cblr-2966	829	2	(	(	PUNCT
cblr-2966	829	3	4	4	NUM
cblr-2966	829	4	)	)	PUNCT
cblr-2966	829	5	demonstrates	demonstrate	VERB
cblr-2966	829	6	that	that	SCONJ
cblr-2966	829	7	having	have	VERB
cblr-2966	829	8	the	the	DET
cblr-2966	829	9	law	law	NOUN
cblr-2966	829	10	in	in	ADP
cblr-2966	829	11	effect	effect	NOUN
cblr-2966	829	12	,	,	PUNCT
cblr-2966	829	13	however	however	ADV
cblr-2966	829	14	,	,	PUNCT
cblr-2966	829	15	does	do	AUX
cblr-2966	829	16	not	not	PART
cblr-2966	829	17	change	change	VERB
cblr-2966	829	18	anything	anything	PRON
cblr-2966	829	19	.	.	PUNCT
cblr-2966	830	1	table	table	NOUN
cblr-2966	830	2	13	13	NUM
cblr-2966	830	3	demonstrates	demonstrate	VERB
cblr-2966	830	4	the	the	DET
cblr-2966	830	5	difficulty	difficulty	NOUN
cblr-2966	830	6	of	of	ADP
cblr-2966	830	7	assessing	assess	VERB
cblr-2966	830	8	the	the	DET
cblr-2966	830	9	subprime	subprime	ADJ
cblr-2966	830	10	market	market	NOUN
cblr-2966	830	11	by	by	ADP
cblr-2966	830	12	looking	look	VERB
cblr-2966	830	13	merely	merely	ADV
cblr-2966	830	14	at	at	ADP
cblr-2966	830	15	the	the	DET
cblr-2966	830	16	incidence	incidence	NOUN
cblr-2966	830	17	of	of	ADP
cblr-2966	830	18	high	high	ADJ
cblr-2966	830	19	cost	cost	NOUN
cblr-2966	830	20	loans	loan	NOUN
cblr-2966	830	21	.	.	PUNCT
cblr-2966	831	1	most	most	ADJ
cblr-2966	831	2	assignee	assignee	NOUN
cblr-2966	831	3	liability	liability	NOUN
cblr-2966	831	4	laws	law	NOUN
cblr-2966	831	5	have	have	VERB
cblr-2966	831	6	little	little	ADJ
cblr-2966	831	7	effect	effect	NOUN
cblr-2966	831	8	on	on	ADP
cblr-2966	831	9	167	167	NUM
cblr-2966	831	10	see	see	VERB
cblr-2966	831	11	n.m	n.m	PROPN
cblr-2966	831	12	.	.	PROPN
cblr-2966	831	13	stat	stat	PROPN
cblr-2966	831	14	.	.	PUNCT
cblr-2966	832	1	ann	ann	PROPN
cblr-2966	832	2	.	.	PUNCT
cblr-2966	833	1	§	§	PROPN
cblr-2966	833	2	58	58	NUM
cblr-2966	833	3	-	-	PUNCT
cblr-2966	833	4	21a-3	21a-3	NUM
cblr-2966	833	5	(	(	PUNCT
cblr-2966	833	6	west	west	NOUN
cblr-2966	833	7	2007	2007	NUM
cblr-2966	833	8	)	)	PUNCT
cblr-2966	833	9	(	(	PUNCT
cblr-2966	833	10	setting	set	VERB
cblr-2966	833	11	new	new	ADJ
cblr-2966	833	12	mexico	mexico	PROPN
cblr-2966	833	13	cut	cut	NOUN
cblr-2966	833	14	-	-	PUNCT
cblr-2966	833	15	offs	off	NOUN
cblr-2966	833	16	at	at	ADP
cblr-2966	833	17	7	7	NUM
cblr-2966	833	18	%	%	NOUN
cblr-2966	833	19	and	and	CCONJ
cblr-2966	833	20	9	9	NUM
cblr-2966	833	21	%	%	NOUN
cblr-2966	833	22	)	)	PUNCT
cblr-2966	833	23	;	;	PUNCT
cblr-2966	834	1	815	815	NUM
cblr-2966	834	2	ill	ill	ADJ
cblr-2966	834	3	.	.	PUNCT
cblr-2966	834	4	comp	comp	PROPN
cblr-2966	834	5	.	.	PUNCT
cblr-2966	835	1	stat	stat	PROPN
cblr-2966	835	2	.	.	PUNCT
cblr-2966	836	1	137/10	137/10	NUM
cblr-2966	836	2	(	(	PUNCT
cblr-2966	836	3	2007	2007	NUM
cblr-2966	836	4	)	)	PUNCT
cblr-2966	836	5	(	(	PUNCT
cblr-2966	836	6	setting	set	VERB
cblr-2966	836	7	illinois	illinois	PROPN
cblr-2966	836	8	cut	cut	NOUN
cblr-2966	836	9	-	-	PUNCT
cblr-2966	836	10	offs	off	NOUN
cblr-2966	836	11	at	at	ADP
cblr-2966	836	12	6	6	NUM
cblr-2966	836	13	%	%	NOUN
cblr-2966	836	14	and	and	CCONJ
cblr-2966	836	15	8	8	NUM
cblr-2966	836	16	%	%	NOUN
cblr-2966	836	17	)	)	PUNCT
cblr-2966	836	18	.	.	PUNCT
cblr-2966	837	1	however	however	ADV
cblr-2966	837	2	,	,	PUNCT
cblr-2966	837	3	both	both	PRON
cblr-2966	837	4	received	receive	VERB
cblr-2966	837	5	ratings	rating	NOUN
cblr-2966	837	6	from	from	ADP
cblr-2966	837	7	s&p	s&p	PROPN
cblr-2966	837	8	as	as	ADP
cblr-2966	837	9	being	be	AUX
cblr-2966	837	10	less	less	ADV
cblr-2966	837	11	costly	costly	ADJ
cblr-2966	837	12	than	than	ADP
cblr-2966	837	13	the	the	DET
cblr-2966	837	14	hoepa	hoepa	NOUN
cblr-2966	837	15	regime	regime	NOUN
cblr-2966	837	16	.	.	PUNCT
cblr-2966	838	1	see	see	VERB
cblr-2966	838	2	criteria	criterion	NOUN
cblr-2966	838	3	:	:	PUNCT
cblr-2966	838	4	anti	anti	ADJ
cblr-2966	838	5	-	-	ADJ
cblr-2966	838	6	predatory	predatory	ADJ
cblr-2966	838	7	lending	lending	NOUN
cblr-2966	838	8	law	law	NOUN
cblr-2966	838	9	update	update	NOUN
cblr-2966	838	10	,	,	PUNCT
cblr-2966	838	11	supra	supra	PROPN
cblr-2966	838	12	note	note	NOUN
cblr-2966	838	13	147	147	NUM
cblr-2966	838	14	.	.	PUNCT
cblr-2966	839	1	[	[	X
cblr-2966	839	2	vol	vol	NOUN
cblr-2966	839	3	.	.	PUNCT
cblr-2966	839	4	2008	2008	NUM
cblr-2966	840	1	rethinking	rethink	VERB
cblr-2966	840	2	assignee	assignee	NOUN
cblr-2966	840	3	liability	liability	NOUN
cblr-2966	840	4	the	the	DET
cblr-2966	840	5	number	number	NOUN
cblr-2966	840	6	of	of	ADP
cblr-2966	840	7	high	high	ADJ
cblr-2966	840	8	cost	cost	NOUN
cblr-2966	840	9	loans	loan	NOUN
cblr-2966	840	10	,	,	PUNCT
cblr-2966	840	11	and	and	CCONJ
cblr-2966	840	12	even	even	ADV
cblr-2966	840	13	the	the	DET
cblr-2966	840	14	draconian	draconian	ADJ
cblr-2966	840	15	ones	one	NOUN
cblr-2966	840	16	change	change	VERB
cblr-2966	840	17	the	the	DET
cblr-2966	840	18	number	number	NOUN
cblr-2966	840	19	of	of	ADP
cblr-2966	840	20	high	high	ADJ
cblr-2966	840	21	cost	cost	NOUN
cblr-2966	840	22	loans	loan	NOUN
cblr-2966	840	23	very	very	ADV
cblr-2966	840	24	little	little	ADJ
cblr-2966	840	25	.	.	PUNCT
cblr-2966	841	1	some	some	PRON
cblr-2966	841	2	would	would	AUX
cblr-2966	841	3	declare	declare	VERB
cblr-2966	841	4	victory	victory	NOUN
cblr-2966	841	5	-	-	PUNCT
cblr-2966	841	6	that	that	SCONJ
cblr-2966	841	7	the	the	DET
cblr-2966	841	8	presence	presence	NOUN
cblr-2966	841	9	of	of	ADP
cblr-2966	841	10	better	well	ADJ
cblr-2966	841	11	consumers	consumer	NOUN
cblr-2966	841	12	in	in	ADP
cblr-2966	841	13	the	the	DET
cblr-2966	841	14	market	market	NOUN
cblr-2966	841	15	drives	drive	VERB
cblr-2966	841	16	the	the	DET
cblr-2966	841	17	outcome	outcome	NOUN
cblr-2966	841	18	.	.	PUNCT
cblr-2966	842	1	that	that	PRON
cblr-2966	842	2	,	,	PUNCT
cblr-2966	842	3	however	however	ADV
cblr-2966	842	4	,	,	PUNCT
cblr-2966	842	5	would	would	AUX
cblr-2966	842	6	not	not	PART
cblr-2966	842	7	be	be	AUX
cblr-2966	842	8	looking	look	VERB
cblr-2966	842	9	at	at	ADP
cblr-2966	842	10	the	the	DET
cblr-2966	842	11	whole	whole	ADJ
cblr-2966	842	12	story	story	NOUN
cblr-2966	842	13	.	.	PUNCT
cblr-2966	843	1	most	most	ADJ
cblr-2966	843	2	of	of	ADP
cblr-2966	843	3	the	the	DET
cblr-2966	843	4	state	state	NOUN
cblr-2966	843	5	laws	law	NOUN
cblr-2966	843	6	have	have	VERB
cblr-2966	843	7	the	the	DET
cblr-2966	843	8	same	same	ADJ
cblr-2966	843	9	limited	limited	ADJ
cblr-2966	843	10	coverage	coverage	NOUN
cblr-2966	843	11	as	as	ADP
cblr-2966	843	12	hoepa	hoepa	NOUN
cblr-2966	843	13	,	,	PUNCT
cblr-2966	843	14	and	and	CCONJ
cblr-2966	843	15	thus	thus	ADV
cblr-2966	843	16	very	very	ADV
cblr-2966	843	17	few	few	ADJ
cblr-2966	843	18	affect	affect	VERB
cblr-2966	843	19	lending	lending	NOUN
cblr-2966	843	20	behavior	behavior	NOUN
cblr-2966	843	21	.	.	PUNCT
cblr-2966	844	1	6	6	NUM
cblr-2966	844	2	'	'	PUNCT
cblr-2966	844	3	under	under	ADP
cblr-2966	844	4	these	these	DET
cblr-2966	844	5	regimes	regime	NOUN
cblr-2966	844	6	,	,	PUNCT
cblr-2966	844	7	lenders	lender	NOUN
cblr-2966	844	8	can	can	AUX
cblr-2966	844	9	insert	insert	VERB
cblr-2966	844	10	high	high	ADJ
cblr-2966	844	11	balloon	balloon	NOUN
cblr-2966	844	12	payments	payment	NOUN
cblr-2966	844	13	,	,	PUNCT
cblr-2966	844	14	engage	engage	VERB
cblr-2966	844	15	in	in	ADP
cblr-2966	844	16	negative	negative	ADJ
cblr-2966	844	17	amortization	amortization	NOUN
cblr-2966	844	18	,	,	PUNCT
cblr-2966	844	19	and	and	CCONJ
cblr-2966	844	20	lend	lend	VERB
cblr-2966	844	21	in	in	ADP
cblr-2966	844	22	amounts	amount	NOUN
cblr-2966	844	23	that	that	SCONJ
cblr-2966	844	24	the	the	DET
cblr-2966	844	25	lender	lender	NOUN
cblr-2966	844	26	could	could	AUX
cblr-2966	844	27	never	never	ADV
cblr-2966	844	28	repay	repay	VERB
cblr-2966	844	29	without	without	ADP
cblr-2966	844	30	any	any	DET
cblr-2966	844	31	danger	danger	NOUN
cblr-2966	844	32	to	to	ADP
cblr-2966	844	33	assignees	assignee	NOUN
cblr-2966	844	34	,	,	PUNCT
cblr-2966	844	35	so	so	ADV
cblr-2966	844	36	long	long	ADV
cblr-2966	844	37	as	as	SCONJ
cblr-2966	844	38	they	they	PRON
cblr-2966	844	39	keep	keep	VERB
cblr-2966	844	40	the	the	DET
cblr-2966	844	41	interest	interest	NOUN
cblr-2966	844	42	rate	rate	NOUN
cblr-2966	844	43	below	below	ADP
cblr-2966	844	44	a	a	DET
cblr-2966	844	45	certain	certain	ADJ
cblr-2966	844	46	amount	amount	NOUN
cblr-2966	844	47	.	.	PUNCT
cblr-2966	844	48	'69	'69	X
cblr-2966	844	49	moreover	moreover	ADV
cblr-2966	844	50	,	,	PUNCT
cblr-2966	844	51	given	give	VERB
cblr-2966	844	52	the	the	DET
cblr-2966	844	53	adverse	adverse	ADJ
cblr-2966	844	54	selection	selection	NOUN
cblr-2966	844	55	problems	problem	NOUN
cblr-2966	844	56	in	in	ADP
cblr-2966	844	57	the	the	DET
cblr-2966	844	58	high	high	ADJ
cblr-2966	844	59	cost	cost	NOUN
cblr-2966	844	60	loan	loan	NOUN
cblr-2966	844	61	market	market	NOUN
cblr-2966	844	62	,	,	PUNCT
cblr-2966	844	63	it	it	PRON
cblr-2966	844	64	is	be	AUX
cblr-2966	844	65	unlikely	unlikely	ADJ
cblr-2966	844	66	that	that	SCONJ
cblr-2966	844	67	demand	demand	NOUN
cblr-2966	844	68	will	will	AUX
cblr-2966	844	69	change	change	VERB
cblr-2966	844	70	based	base	VERB
cblr-2966	844	71	on	on	ADP
cblr-2966	844	72	the	the	DET
cblr-2966	844	73	increase	increase	NOUN
cblr-2966	844	74	in	in	ADP
cblr-2966	844	75	predatory	predatory	ADJ
cblr-2966	844	76	terms	term	NOUN
cblr-2966	844	77	.	.	PUNCT
cblr-2966	845	1	7	7	NUM
cblr-2966	845	2	°	°	NOUN
cblr-2966	845	3	therefore	therefore	ADV
cblr-2966	845	4	,	,	PUNCT
cblr-2966	845	5	the	the	DET
cblr-2966	845	6	laws	law	NOUN
cblr-2966	845	7	increase	increase	VERB
cblr-2966	845	8	the	the	DET
cblr-2966	845	9	number	number	NOUN
cblr-2966	845	10	of	of	ADP
cblr-2966	845	11	consumers	consumer	NOUN
cblr-2966	845	12	in	in	ADP
cblr-2966	845	13	the	the	DET
cblr-2966	845	14	market	market	NOUN
cblr-2966	845	15	by	by	ADP
cblr-2966	845	16	increasing	increase	VERB
cblr-2966	845	17	consumer	consumer	NOUN
cblr-2966	845	18	confidence	confidence	NOUN
cblr-2966	845	19	but	but	CCONJ
cblr-2966	845	20	,	,	PUNCT
cblr-2966	845	21	at	at	ADP
cblr-2966	845	22	the	the	DET
cblr-2966	845	23	same	same	ADJ
cblr-2966	845	24	time	time	NOUN
cblr-2966	845	25	,	,	PUNCT
cblr-2966	845	26	only	only	ADV
cblr-2966	845	27	put	put	VERB
cblr-2966	845	28	caps	cap	NOUN
cblr-2966	845	29	on	on	ADP
cblr-2966	845	30	two	two	NUM
cblr-2966	845	31	methods	method	NOUN
cblr-2966	845	32	of	of	ADP
cblr-2966	845	33	predatory	predatory	ADJ
cblr-2966	845	34	lending	lending	NOUN
cblr-2966	845	35	-	-	PUNCT
cblr-2966	845	36	interest	interest	NOUN
cblr-2966	845	37	rates	rate	NOUN
cblr-2966	845	38	and	and	CCONJ
cblr-2966	845	39	fees	fee	NOUN
cblr-2966	845	40	.	.	PUNCT
cblr-2966	846	1	this	this	PRON
cblr-2966	846	2	leaves	leave	VERB
cblr-2966	846	3	consumers	consumer	NOUN
cblr-2966	846	4	a	a	DET
cblr-2966	846	5	manipulation	manipulation	NOUN
cblr-2966	846	6	of	of	ADP
cblr-2966	846	7	interest	interest	NOUN
cblr-2966	846	8	rates	rate	NOUN
cblr-2966	846	9	away	away	ADV
cblr-2966	846	10	from	from	ADP
cblr-2966	846	11	having	have	VERB
cblr-2966	846	12	the	the	DET
cblr-2966	846	13	same	same	ADJ
cblr-2966	846	14	problem	problem	NOUN
cblr-2966	846	15	as	as	ADP
cblr-2966	846	16	before	before	ADV
cblr-2966	846	17	.	.	PUNCT
cblr-2966	846	18	"	"	PUNCT
cblr-2966	847	1	this	this	DET
cblr-2966	847	2	trend	trend	NOUN
cblr-2966	847	3	may	may	AUX
cblr-2966	847	4	suggest	suggest	VERB
cblr-2966	847	5	a	a	DET
cblr-2966	847	6	desire	desire	NOUN
cblr-2966	847	7	on	on	ADP
cblr-2966	847	8	the	the	DET
cblr-2966	847	9	part	part	NOUN
cblr-2966	847	10	of	of	ADP
cblr-2966	847	11	legislators	legislator	NOUN
cblr-2966	847	12	to	to	PART
cblr-2966	847	13	create	create	VERB
cblr-2966	847	14	a	a	DET
cblr-2966	847	15	sort	sort	NOUN
cblr-2966	847	16	of	of	ADP
cblr-2966	847	17	"	"	PUNCT
cblr-2966	847	18	placebo	placebo	NOUN
cblr-2966	847	19	effect	effect	NOUN
cblr-2966	847	20	"	"	PUNCT
cblr-2966	847	21	by	by	ADP
cblr-2966	847	22	increasing	increase	VERB
cblr-2966	847	23	consumer	consumer	NOUN
cblr-2966	847	24	confidence	confidence	NOUN
cblr-2966	847	25	,	,	PUNCT
cblr-2966	847	26	without	without	ADP
cblr-2966	847	27	really	really	ADV
cblr-2966	847	28	hampering	hamper	VERB
cblr-2966	847	29	the	the	DET
cblr-2966	847	30	market	market	NOUN
cblr-2966	847	31	.	.	PUNCT
cblr-2966	848	1	the	the	DET
cblr-2966	848	2	possible	possible	ADJ
cblr-2966	848	3	disaster	disaster	NOUN
cblr-2966	848	4	this	this	DET
cblr-2966	848	5	action	action	NOUN
cblr-2966	848	6	may	may	AUX
cblr-2966	848	7	cause	cause	VERB
cblr-2966	848	8	is	be	AUX
cblr-2966	848	9	hard	hard	ADJ
cblr-2966	848	10	to	to	PART
cblr-2966	848	11	overestimate	overestimate	VERB
cblr-2966	848	12	.	.	PUNCT
cblr-2966	849	1	169	169	NUM
cblr-2966	849	2	hoepa	hoepa	NOUN
cblr-2966	849	3	covers	cover	VERB
cblr-2966	849	4	first	first	ADJ
cblr-2966	849	5	liens	lien	NOUN
cblr-2966	849	6	with	with	ADP
cblr-2966	849	7	rate	rate	NOUN
cblr-2966	849	8	spreads	spread	NOUN
cblr-2966	849	9	over	over	ADP
cblr-2966	849	10	8	8	NUM
cblr-2966	849	11	%	%	NOUN
cblr-2966	849	12	and	and	CCONJ
cblr-2966	849	13	second	second	ADJ
cblr-2966	849	14	liens	lien	NOUN
cblr-2966	849	15	with	with	ADP
cblr-2966	849	16	rate	rate	NOUN
cblr-2966	849	17	spreads	spread	NOUN
cblr-2966	849	18	over	over	ADP
cblr-2966	849	19	10	10	NUM
cblr-2966	849	20	%	%	NOUN
cblr-2966	849	21	.	.	PUNCT
cblr-2966	850	1	15	15	NUM
cblr-2966	850	2	u.s.c	u.s.c	ADJ
cblr-2966	850	3	.	.	PUNCT
cblr-2966	851	1	§	§	PROPN
cblr-2966	851	2	1602(aa	1602(aa	NUM
cblr-2966	851	3	)	)	PUNCT
cblr-2966	851	4	(	(	PUNCT
cblr-2966	851	5	2007	2007	NUM
cblr-2966	851	6	)	)	PUNCT
cblr-2966	851	7	.	.	PUNCT
cblr-2966	852	1	this	this	PRON
cblr-2966	852	2	meant	mean	VERB
cblr-2966	852	3	in	in	ADP
cblr-2966	852	4	february	february	PROPN
cblr-2966	852	5	of	of	ADP
cblr-2966	852	6	2008	2008	NUM
cblr-2966	852	7	,	,	PUNCT
cblr-2966	852	8	hoepa	hoepa	NOUN
cblr-2966	852	9	covered	cover	VERB
cblr-2966	852	10	twenty	twenty	NUM
cblr-2966	852	11	year	year	NOUN
cblr-2966	852	12	mortgages	mortgage	NOUN
cblr-2966	852	13	with	with	ADP
cblr-2966	852	14	interest	interest	NOUN
cblr-2966	852	15	rates	rate	NOUN
cblr-2966	852	16	of	of	ADP
cblr-2966	852	17	12.5	12.5	NUM
cblr-2966	852	18	%	%	NOUN
cblr-2966	852	19	for	for	ADP
cblr-2966	852	20	a	a	DET
cblr-2966	852	21	first	first	ADJ
cblr-2966	852	22	lien	lien	NOUN
cblr-2966	852	23	,	,	PUNCT
cblr-2966	852	24	and	and	CCONJ
cblr-2966	852	25	14.5	14.5	NUM
cblr-2966	852	26	%	%	NOUN
cblr-2966	852	27	for	for	ADP
cblr-2966	852	28	a	a	DET
cblr-2966	852	29	second	second	ADJ
cblr-2966	852	30	lien	lien	NOUN
cblr-2966	852	31	.	.	PUNCT
cblr-2966	853	1	the	the	DET
cblr-2966	853	2	department	department	PROPN
cblr-2966	853	3	of	of	ADP
cblr-2966	853	4	treasury	treasury	PROPN
cblr-2966	853	5	,	,	PUNCT
cblr-2966	853	6	daily	daily	ADJ
cblr-2966	853	7	treasury	treasury	NOUN
cblr-2966	853	8	yield	yield	NOUN
cblr-2966	853	9	curve	curve	NOUN
cblr-2966	853	10	rates	rate	NOUN
cblr-2966	853	11	,	,	PUNCT
cblr-2966	853	12	http://www.ustreas.gov/offices/domestic-finance/debtmanagement/interestrate/yield.shtml	http://www.ustreas.gov/offices/domestic-finance/debtmanagement/interestrate/yield.shtml	PROPN
cblr-2966	853	13	(	(	PUNCT
cblr-2966	853	14	last	last	ADV
cblr-2966	853	15	visited	visit	VERB
cblr-2966	853	16	dec	dec	PROPN
cblr-2966	853	17	.	.	PROPN
cblr-2966	853	18	3	3	NUM
cblr-2966	853	19	,	,	PUNCT
cblr-2966	853	20	2008	2008	NUM
cblr-2966	853	21	)	)	PUNCT
cblr-2966	853	22	.	.	PUNCT
cblr-2966	854	1	of	of	ADP
cblr-2966	854	2	course	course	ADV
cblr-2966	854	3	,	,	PUNCT
cblr-2966	854	4	it	it	PRON
cblr-2966	854	5	is	be	AUX
cblr-2966	854	6	important	important	ADJ
cblr-2966	854	7	to	to	PART
cblr-2966	854	8	point	point	VERB
cblr-2966	854	9	out	out	ADP
cblr-2966	854	10	that	that	SCONJ
cblr-2966	854	11	the	the	DET
cblr-2966	854	12	originators	originator	NOUN
cblr-2966	854	13	themselves	themselves	PRON
cblr-2966	854	14	could	could	AUX
cblr-2966	854	15	still	still	ADV
cblr-2966	854	16	be	be	AUX
cblr-2966	854	17	held	hold	VERB
cblr-2966	854	18	accountable	accountable	ADJ
cblr-2966	854	19	for	for	ADP
cblr-2966	854	20	these	these	DET
cblr-2966	854	21	provisions	provision	NOUN
cblr-2966	854	22	,	,	PUNCT
cblr-2966	854	23	but	but	CCONJ
cblr-2966	854	24	that	that	PRON
cblr-2966	854	25	has	have	AUX
cblr-2966	854	26	been	be	AUX
cblr-2966	854	27	the	the	DET
cblr-2966	854	28	case	case	NOUN
cblr-2966	854	29	for	for	ADP
cblr-2966	854	30	some	some	DET
cblr-2966	854	31	time	time	NOUN
cblr-2966	854	32	,	,	PUNCT
cblr-2966	854	33	and	and	CCONJ
cblr-2966	854	34	it	it	PRON
cblr-2966	854	35	has	have	AUX
cblr-2966	854	36	already	already	ADV
cblr-2966	854	37	been	be	AUX
cblr-2966	854	38	shown	show	VERB
cblr-2966	854	39	that	that	SCONJ
cblr-2966	854	40	holding	hold	VERB
cblr-2966	854	41	originators	originator	NOUN
cblr-2966	854	42	financially	financially	ADV
cblr-2966	854	43	responsible	responsible	ADJ
cblr-2966	854	44	for	for	ADP
cblr-2966	854	45	predatory	predatory	ADJ
cblr-2966	854	46	loans	loan	NOUN
cblr-2966	854	47	does	do	VERB
cblr-2966	854	48	nothing	nothing	PRON
cblr-2966	854	49	to	to	PART
cblr-2966	854	50	stop	stop	VERB
cblr-2966	854	51	them	they	PRON
cblr-2966	854	52	.	.	PUNCT
cblr-2966	855	1	170	170	NUM
cblr-2966	855	2	silverman	silverman	NOUN
cblr-2966	855	3	,	,	PUNCT
cblr-2966	855	4	supra	supra	PROPN
cblr-2966	855	5	note	note	PROPN
cblr-2966	855	6	13	13	NUM
cblr-2966	855	7	,	,	PUNCT
cblr-2966	855	8	at	at	ADP
cblr-2966	855	9	578	578	NUM
cblr-2966	855	10	-	-	SYM
cblr-2966	855	11	79	79	NUM
cblr-2966	855	12	(	(	PUNCT
cblr-2966	855	13	suggesting	suggest	VERB
cblr-2966	855	14	that	that	SCONJ
cblr-2966	855	15	it	it	PRON
cblr-2966	855	16	is	be	AUX
cblr-2966	855	17	the	the	DET
cblr-2966	855	18	riskiest	risky	ADJ
cblr-2966	855	19	,	,	PUNCT
cblr-2966	855	20	most	most	ADV
cblr-2966	855	21	desperate	desperate	ADJ
cblr-2966	855	22	consumers	consumer	NOUN
cblr-2966	855	23	that	that	PRON
cblr-2966	855	24	will	will	AUX
cblr-2966	855	25	take	take	VERB
cblr-2966	855	26	the	the	DET
cblr-2966	855	27	worst	bad	ADJ
cblr-2966	855	28	loans	loan	NOUN
cblr-2966	855	29	,	,	PUNCT
cblr-2966	855	30	and	and	CCONJ
cblr-2966	855	31	since	since	SCONJ
cblr-2966	855	32	better	well	ADJ
cblr-2966	855	33	consumers	consumer	NOUN
cblr-2966	855	34	have	have	VERB
cblr-2966	855	35	lower	low	ADJ
cblr-2966	855	36	prices	price	NOUN
cblr-2966	855	37	available	available	ADJ
cblr-2966	855	38	to	to	ADP
cblr-2966	855	39	them	they	PRON
cblr-2966	855	40	,	,	PUNCT
cblr-2966	855	41	raising	raise	VERB
cblr-2966	855	42	the	the	DET
cblr-2966	855	43	"	"	PUNCT
cblr-2966	855	44	cost	cost	NOUN
cblr-2966	855	45	"	"	PUNCT
cblr-2966	855	46	of	of	ADP
cblr-2966	855	47	lending	lending	NOUN
cblr-2966	855	48	-	-	PUNCT
cblr-2966	855	49	whether	whether	SCONJ
cblr-2966	855	50	through	through	ADP
cblr-2966	855	51	balloon	balloon	NOUN
cblr-2966	855	52	payments	payment	NOUN
cblr-2966	855	53	,	,	PUNCT
cblr-2966	855	54	negative	negative	ADJ
cblr-2966	855	55	amortization	amortization	NOUN
cblr-2966	855	56	,	,	PUNCT
cblr-2966	855	57	etc.-will	etc.-will	CCONJ
cblr-2966	855	58	increase	increase	VERB
cblr-2966	855	59	the	the	DET
cblr-2966	855	60	number	number	NOUN
cblr-2966	855	61	of	of	ADP
cblr-2966	855	62	risky	risky	ADJ
cblr-2966	855	63	consumers	consumer	NOUN
cblr-2966	855	64	)	)	PUNCT
cblr-2966	855	65	.	.	PUNCT
cblr-2966	856	1	no	no	INTJ
cblr-2966	856	2	.	.	PUNCT
cblr-2966	857	1	3:1021	3:1021	NUM
cblr-2966	857	2	]	]	X
cblr-2966	857	3	columbia	columbia	PROPN
cblr-2966	857	4	business	business	PROPN
cblr-2966	857	5	law	law	PROPN
cblr-2966	857	6	review	review	NOUN
cblr-2966	857	7	3	3	NUM
cblr-2966	857	8	.	.	PUNCT
cblr-2966	858	1	state	state	NOUN
cblr-2966	858	2	sample	sample	NOUN
cblr-2966	858	3	:	:	PUNCT
cblr-2966	858	4	probability	probability	NOUN
cblr-2966	858	5	of	of	ADP
cblr-2966	858	6	securitization	securitization	NOUN
cblr-2966	858	7	table	table	NOUN
cblr-2966	858	8	14	14	NUM
cblr-2966	858	9	demonstrates	demonstrate	VERB
cblr-2966	858	10	the	the	DET
cblr-2966	858	11	change	change	NOUN
cblr-2966	858	12	in	in	ADP
cblr-2966	858	13	probability	probability	NOUN
cblr-2966	858	14	that	that	SCONJ
cblr-2966	858	15	an	an	DET
cblr-2966	858	16	individual	individual	ADJ
cblr-2966	858	17	loan	loan	NOUN
cblr-2966	858	18	was	be	AUX
cblr-2966	858	19	securitized	securitize	VERB
cblr-2966	858	20	when	when	SCONJ
cblr-2966	858	21	comparing	compare	VERB
cblr-2966	858	22	states	state	NOUN
cblr-2966	858	23	with	with	ADP
cblr-2966	858	24	specific	specific	ADJ
cblr-2966	858	25	legal	legal	ADJ
cblr-2966	858	26	situations	situation	NOUN
cblr-2966	858	27	.	.	PUNCT
cblr-2966	859	1	here	here	ADV
cblr-2966	859	2	,	,	PUNCT
cblr-2966	859	3	we	we	PRON
cblr-2966	859	4	see	see	VERB
cblr-2966	859	5	an	an	DET
cblr-2966	859	6	increase	increase	NOUN
cblr-2966	859	7	in	in	ADP
cblr-2966	859	8	specification	specification	NOUN
cblr-2966	859	9	(	(	PUNCT
cblr-2966	859	10	1	1	NUM
cblr-2966	859	11	)	)	PUNCT
cblr-2966	859	12	,	,	PUNCT
cblr-2966	859	13	an	an	DET
cblr-2966	859	14	increase	increase	NOUN
cblr-2966	859	15	in	in	ADP
cblr-2966	859	16	specification	specification	NOUN
cblr-2966	859	17	(	(	PUNCT
cblr-2966	859	18	2	2	NUM
cblr-2966	859	19	)	)	PUNCT
cblr-2966	859	20	,	,	PUNCT
cblr-2966	859	21	and	and	CCONJ
cblr-2966	859	22	a	a	DET
cblr-2966	859	23	decrease	decrease	NOUN
cblr-2966	859	24	in	in	ADP
cblr-2966	859	25	specification	specification	NOUN
cblr-2966	859	26	(	(	PUNCT
cblr-2966	859	27	3	3	NUM
cblr-2966	859	28	)	)	PUNCT
cblr-2966	859	29	.	.	PUNCT
cblr-2966	860	1	the	the	DET
cblr-2966	860	2	results	result	NOUN
cblr-2966	860	3	are	be	AUX
cblr-2966	860	4	consistent	consistent	ADJ
cblr-2966	860	5	.	.	PUNCT
cblr-2966	861	1	in	in	ADP
cblr-2966	861	2	specification	specification	NOUN
cblr-2966	861	3	(	(	PUNCT
cblr-2966	861	4	1	1	NUM
cblr-2966	861	5	)	)	PUNCT
cblr-2966	861	6	,	,	PUNCT
cblr-2966	861	7	comparing	compare	VERB
cblr-2966	861	8	pennsylvania	pennsylvania	PROPN
cblr-2966	861	9	and	and	CCONJ
cblr-2966	861	10	delaware	delaware	PROPN
cblr-2966	861	11	,	,	PUNCT
cblr-2966	861	12	there	there	PRON
cblr-2966	861	13	has	have	AUX
cblr-2966	861	14	been	be	AUX
cblr-2966	861	15	no	no	DET
cblr-2966	861	16	legal	legal	ADJ
cblr-2966	861	17	change	change	NOUN
cblr-2966	861	18	from	from	ADP
cblr-2966	861	19	an	an	DET
cblr-2966	861	20	assignee	assignee	NOUN
cblr-2966	861	21	's	's	PART
cblr-2966	861	22	point	point	NOUN
cblr-2966	861	23	of	of	ADP
cblr-2966	861	24	view	view	NOUN
cblr-2966	861	25	,	,	PUNCT
cblr-2966	861	26	only	only	ADV
cblr-2966	861	27	a	a	DET
cblr-2966	861	28	boost	boost	NOUN
cblr-2966	861	29	in	in	ADP
cblr-2966	861	30	consumer	consumer	NOUN
cblr-2966	861	31	confidence	confidence	NOUN
cblr-2966	861	32	,	,	PUNCT
cblr-2966	861	33	resulting	result	VERB
cblr-2966	861	34	in	in	ADP
cblr-2966	861	35	better	well	ADJ
cblr-2966	861	36	applicants	applicant	NOUN
cblr-2966	861	37	,	,	PUNCT
cblr-2966	861	38	and	and	CCONJ
cblr-2966	861	39	thus	thus	ADV
cblr-2966	861	40	more	more	ADV
cblr-2966	861	41	easily	easily	ADV
cblr-2966	861	42	securitized	securitized	ADJ
cblr-2966	861	43	loans	loan	NOUN
cblr-2966	861	44	.	.	PUNCT
cblr-2966	862	1	this	this	DET
cblr-2966	862	2	result	result	NOUN
cblr-2966	862	3	is	be	AUX
cblr-2966	862	4	consistent	consistent	ADJ
cblr-2966	862	5	with	with	ADP
cblr-2966	862	6	overcoming	overcome	VERB
cblr-2966	862	7	the	the	DET
cblr-2966	862	8	"	"	PUNCT
cblr-2966	862	9	lemon	lemon	NOUN
cblr-2966	862	10	effect	effect	NOUN
cblr-2966	862	11	.	.	PUNCT
cblr-2966	862	12	"	"	PUNCT
cblr-2966	863	1	specification	specification	NOUN
cblr-2966	863	2	(	(	PUNCT
cblr-2966	863	3	2	2	NUM
cblr-2966	863	4	)	)	PUNCT
cblr-2966	863	5	is	be	AUX
cblr-2966	863	6	in	in	ADP
cblr-2966	863	7	line	line	NOUN
cblr-2966	863	8	with	with	ADP
cblr-2966	863	9	the	the	DET
cblr-2966	863	10	situation	situation	NOUN
cblr-2966	863	11	suggested	suggest	VERB
cblr-2966	863	12	in	in	ADP
cblr-2966	863	13	the	the	DET
cblr-2966	863	14	full	full	ADJ
cblr-2966	863	15	sample	sample	NOUN
cblr-2966	863	16	.	.	PUNCT
cblr-2966	864	1	since	since	SCONJ
cblr-2966	864	2	most	most	ADJ
cblr-2966	864	3	loans	loan	NOUN
cblr-2966	864	4	were	be	AUX
cblr-2966	864	5	already	already	ADV
cblr-2966	864	6	avoiding	avoid	VERB
cblr-2966	864	7	assignee	assignee	NOUN
cblr-2966	864	8	liability	liability	NOUN
cblr-2966	864	9	under	under	ADP
cblr-2966	864	10	hoepa	hoepa	NOUN
cblr-2966	864	11	,	,	PUNCT
cblr-2966	864	12	it	it	PRON
cblr-2966	864	13	is	be	AUX
cblr-2966	864	14	unlikely	unlikely	ADJ
cblr-2966	864	15	that	that	SCONJ
cblr-2966	864	16	the	the	DET
cblr-2966	864	17	investment	investment	NOUN
cblr-2966	864	18	banks	bank	NOUN
cblr-2966	864	19	saw	see	VERB
cblr-2966	864	20	this	this	DET
cblr-2966	864	21	law	law	NOUN
cblr-2966	864	22	as	as	ADP
cblr-2966	864	23	changing	change	VERB
cblr-2966	864	24	anything	anything	PRON
cblr-2966	864	25	.	.	PUNCT
cblr-2966	865	1	however	however	ADV
cblr-2966	865	2	,	,	PUNCT
cblr-2966	865	3	the	the	DET
cblr-2966	865	4	active	active	ADJ
cblr-2966	865	5	role	role	NOUN
cblr-2966	865	6	of	of	ADP
cblr-2966	865	7	the	the	DET
cblr-2966	865	8	new	new	PROPN
cblr-2966	865	9	york	york	PROPN
cblr-2966	865	10	state	state	PROPN
cblr-2966	865	11	attorney	attorney	NOUN
cblr-2966	865	12	general	general	NOUN
cblr-2966	865	13	in	in	ADP
cblr-2966	865	14	touting	tout	VERB
cblr-2966	865	15	the	the	DET
cblr-2966	865	16	new	new	ADJ
cblr-2966	865	17	law	law	NOUN
cblr-2966	865	18	may	may	AUX
cblr-2966	865	19	have	have	AUX
cblr-2966	865	20	caused	cause	VERB
cblr-2966	865	21	a	a	DET
cblr-2966	865	22	boost	boost	NOUN
cblr-2966	865	23	in	in	ADP
cblr-2966	865	24	confidence	confidence	NOUN
cblr-2966	865	25	,	,	PUNCT
cblr-2966	865	26	especially	especially	ADV
cblr-2966	865	27	when	when	SCONJ
cblr-2966	865	28	they	they	PRON
cblr-2966	865	29	could	could	AUX
cblr-2966	865	30	point	point	VERB
cblr-2966	865	31	to	to	ADP
cblr-2966	865	32	the	the	DET
cblr-2966	865	33	sparse	sparse	ADJ
cblr-2966	865	34	federal	federal	ADJ
cblr-2966	865	35	enforcement	enforcement	NOUN
cblr-2966	865	36	.	.	PUNCT
cblr-2966	865	37	'	'	PUNCT
cblr-2966	866	1	7	7	X
cblr-2966	866	2	'	'	PUNCT
cblr-2966	866	3	finally	finally	ADV
cblr-2966	866	4	,	,	PUNCT
cblr-2966	866	5	specification	specification	NOUN
cblr-2966	866	6	(	(	PUNCT
cblr-2966	866	7	3	3	NUM
cblr-2966	866	8	)	)	PUNCT
cblr-2966	866	9	suggests	suggest	VERB
cblr-2966	866	10	that	that	SCONJ
cblr-2966	866	11	when	when	SCONJ
cblr-2966	866	12	an	an	DET
cblr-2966	866	13	assignee	assignee	NOUN
cblr-2966	866	14	liability	liability	NOUN
cblr-2966	866	15	law	law	NOUN
cblr-2966	866	16	is	be	AUX
cblr-2966	866	17	more	more	ADV
cblr-2966	866	18	draconian	draconian	ADJ
cblr-2966	866	19	,	,	PUNCT
cblr-2966	866	20	it	it	PRON
cblr-2966	866	21	begins	begin	VERB
cblr-2966	866	22	to	to	PART
cblr-2966	866	23	push	push	VERB
cblr-2966	866	24	away	away	ADV
cblr-2966	866	25	investors	investor	NOUN
cblr-2966	866	26	and	and	CCONJ
cblr-2966	866	27	thus	thus	ADV
cblr-2966	866	28	increases	increase	VERB
cblr-2966	866	29	the	the	DET
cblr-2966	866	30	costs	cost	NOUN
cblr-2966	866	31	of	of	ADP
cblr-2966	866	32	subprime	subprime	ADJ
cblr-2966	866	33	lending	lending	NOUN
cblr-2966	866	34	.	.	PUNCT
cblr-2966	867	1	f.	f.	PROPN
cblr-2966	867	2	discussion	discussion	PROPN
cblr-2966	867	3	assignee	assignee	NOUN
cblr-2966	867	4	liability	liability	NOUN
cblr-2966	867	5	laws	law	NOUN
cblr-2966	867	6	have	have	VERB
cblr-2966	867	7	an	an	DET
cblr-2966	867	8	effect	effect	NOUN
cblr-2966	867	9	on	on	ADP
cblr-2966	867	10	the	the	DET
cblr-2966	867	11	consumer	consumer	NOUN
cblr-2966	867	12	market	market	NOUN
cblr-2966	867	13	.	.	PUNCT
cblr-2966	868	1	available	available	ADJ
cblr-2966	868	2	data	datum	NOUN
cblr-2966	868	3	make	make	VERB
cblr-2966	868	4	it	it	PRON
cblr-2966	868	5	difficult	difficult	ADJ
cblr-2966	868	6	to	to	PART
cblr-2966	868	7	specify	specify	VERB
cblr-2966	868	8	that	that	DET
cblr-2966	868	9	effect	effect	NOUN
cblr-2966	868	10	,	,	PUNCT
cblr-2966	868	11	but	but	CCONJ
cblr-2966	868	12	combined	combine	VERB
cblr-2966	868	13	with	with	ADP
cblr-2966	868	14	a	a	DET
cblr-2966	868	15	state	state	NOUN
cblr-2966	868	16	penalty	penalty	NOUN
cblr-2966	868	17	system	system	NOUN
cblr-2966	868	18	set	set	VERB
cblr-2966	868	19	to	to	ADP
cblr-2966	868	20	interest	interest	NOUN
cblr-2966	868	21	rates	rate	NOUN
cblr-2966	868	22	,	,	PUNCT
cblr-2966	868	23	the	the	DET
cblr-2966	868	24	data	datum	NOUN
cblr-2966	868	25	suggest	suggest	VERB
cblr-2966	868	26	consumers	consumer	NOUN
cblr-2966	868	27	may	may	AUX
cblr-2966	868	28	be	be	AUX
cblr-2966	868	29	lulled	lull	VERB
cblr-2966	868	30	into	into	ADP
cblr-2966	868	31	a	a	DET
cblr-2966	868	32	market	market	NOUN
cblr-2966	868	33	that	that	PRON
cblr-2966	868	34	is	be	AUX
cblr-2966	868	35	no	no	ADV
cblr-2966	868	36	safer	safe	ADJ
cblr-2966	868	37	after	after	SCONJ
cblr-2966	868	38	the	the	DET
cblr-2966	868	39	law	law	NOUN
cblr-2966	868	40	was	be	AUX
cblr-2966	868	41	enacted	enact	VERB
cblr-2966	868	42	than	than	SCONJ
cblr-2966	868	43	it	it	PRON
cblr-2966	868	44	was	be	AUX
cblr-2966	868	45	before	before	ADV
cblr-2966	868	46	.	.	PUNCT
cblr-2966	869	1	to	to	ADP
cblr-2966	869	2	the	the	DET
cblr-2966	869	3	extent	extent	NOUN
cblr-2966	869	4	the	the	DET
cblr-2966	869	5	data	datum	NOUN
cblr-2966	869	6	demonstrate	demonstrate	VERB
cblr-2966	869	7	manipulation	manipulation	NOUN
cblr-2966	869	8	of	of	ADP
cblr-2966	869	9	interest	interest	NOUN
cblr-2966	869	10	rates	rate	NOUN
cblr-2966	869	11	to	to	PART
cblr-2966	869	12	avoid	avoid	VERB
cblr-2966	869	13	laws	law	NOUN
cblr-2966	869	14	,	,	PUNCT
cblr-2966	869	15	subprime	subprime	ADJ
cblr-2966	869	16	lending	lending	NOUN
cblr-2966	869	17	laws	law	NOUN
cblr-2966	869	18	may	may	AUX
cblr-2966	869	19	become	become	VERB
cblr-2966	869	20	entirely	entirely	ADV
cblr-2966	869	21	wealth	wealth	NOUN
cblr-2966	869	22	-	-	PUNCT
cblr-2966	869	23	reducing	reduce	VERB
cblr-2966	869	24	.	.	PUNCT
cblr-2966	870	1	the	the	DET
cblr-2966	870	2	state	state	NOUN
cblr-2966	870	3	data	datum	NOUN
cblr-2966	870	4	confirm	confirm	VERB
cblr-2966	870	5	that	that	SCONJ
cblr-2966	870	6	the	the	DET
cblr-2966	870	7	"	"	PUNCT
cblr-2966	870	8	lemon	lemon	NOUN
cblr-2966	870	9	effect	effect	NOUN
cblr-2966	870	10	"	"	PUNCT
cblr-2966	870	11	on	on	ADP
cblr-2966	870	12	consumer	consumer	NOUN
cblr-2966	870	13	confidence	confidence	NOUN
cblr-2966	870	14	is	be	AUX
cblr-2966	870	15	real	real	ADJ
cblr-2966	870	16	.	.	PUNCT
cblr-2966	871	1	laws	law	NOUN
cblr-2966	871	2	that	that	PRON
cblr-2966	871	3	change	change	VERB
cblr-2966	871	4	very	very	ADV
cblr-2966	871	5	little	little	ADV
cblr-2966	871	6	from	from	ADP
cblr-2966	871	7	the	the	DET
cblr-2966	871	8	1	1	NUM
cblr-2966	871	9	peterson	peterson	NOUN
cblr-2966	871	10	,	,	PUNCT
cblr-2966	871	11	supra	supra	PROPN
cblr-2966	871	12	note	note	PROPN
cblr-2966	871	13	36	36	NUM
cblr-2966	871	14	,	,	PUNCT
cblr-2966	871	15	at	at	ADP
cblr-2966	871	16	8	8	NUM
cblr-2966	871	17	;	;	PUNCT
cblr-2966	871	18	eric	eric	NOUN
cblr-2966	871	19	dash	dash	NOUN
cblr-2966	871	20	,	,	PUNCT
cblr-2966	871	21	new	new	PROPN
cblr-2966	871	22	york	york	PROPN
cblr-2966	871	23	begins	begin	VERB
cblr-2966	871	24	inquiry	inquiry	NOUN
cblr-2966	871	25	into	into	ADP
cblr-2966	871	26	possible	possible	ADJ
cblr-2966	871	27	mortgage	mortgage	NOUN
cblr-2966	871	28	bias	bias	NOUN
cblr-2966	871	29	,	,	PUNCT
cblr-2966	871	30	n.y	n.y	PROPN
cblr-2966	871	31	.	.	PROPN
cblr-2966	871	32	times	times	PROPN
cblr-2966	871	33	,	,	PUNCT
cblr-2966	871	34	apr	apr	PROPN
cblr-2966	871	35	.	.	PROPN
cblr-2966	871	36	29	29	NUM
cblr-2966	871	37	,	,	PUNCT
cblr-2966	871	38	2005	2005	NUM
cblr-2966	871	39	,	,	PUNCT
cblr-2966	871	40	at	at	ADP
cblr-2966	871	41	c2	c2	PROPN
cblr-2966	871	42	;	;	PUNCT
cblr-2966	871	43	special	special	ADJ
cblr-2966	871	44	report	report	NOUN
cblr-2966	871	45	:	:	PUNCT
cblr-2966	871	46	cracks	crack	NOUN
cblr-2966	871	47	in	in	ADP
cblr-2966	871	48	the	the	DET
cblr-2966	871	49	facade	facade	NOUN
cblr-2966	871	50	,	,	PUNCT
cblr-2966	871	51	supra	supra	PROPN
cblr-2966	871	52	note	note	NOUN
cblr-2966	871	53	46	46	NUM
cblr-2966	871	54	.	.	PUNCT
cblr-2966	872	1	[	[	X
cblr-2966	872	2	vol	vol	NOUN
cblr-2966	872	3	.	.	NOUN
cblr-2966	872	4	2008	2008	NUM
cblr-2966	872	5	assignee	assignee	NOUN
cblr-2966	872	6	's	's	PART
cblr-2966	872	7	point	point	NOUN
cblr-2966	872	8	of	of	ADP
cblr-2966	872	9	view	view	NOUN
cblr-2966	872	10	increase	increase	VERB
cblr-2966	872	11	consumer	consumer	NOUN
cblr-2966	872	12	confidence	confidence	NOUN
cblr-2966	872	13	in	in	ADP
cblr-2966	872	14	the	the	DET
cblr-2966	872	15	lenders	lender	NOUN
cblr-2966	872	16	,	,	PUNCT
cblr-2966	872	17	broadening	broaden	VERB
cblr-2966	872	18	the	the	DET
cblr-2966	872	19	market	market	NOUN
cblr-2966	872	20	.	.	PUNCT
cblr-2966	873	1	in	in	ADP
cblr-2966	873	2	states	state	NOUN
cblr-2966	873	3	where	where	SCONJ
cblr-2966	873	4	laws	law	NOUN
cblr-2966	873	5	do	do	AUX
cblr-2966	873	6	change	change	VERB
cblr-2966	873	7	the	the	DET
cblr-2966	873	8	landscape	landscape	NOUN
cblr-2966	873	9	for	for	ADP
cblr-2966	873	10	the	the	DET
cblr-2966	873	11	assignees	assignee	NOUN
cblr-2966	873	12	,	,	PUNCT
cblr-2966	873	13	securitization	securitization	NOUN
cblr-2966	873	14	decreases	decrease	VERB
cblr-2966	873	15	,	,	PUNCT
cblr-2966	873	16	presumably	presumably	ADV
cblr-2966	873	17	increasing	increase	VERB
cblr-2966	873	18	origination	origination	NOUN
cblr-2966	873	19	costs	cost	NOUN
cblr-2966	873	20	.	.	PUNCT
cblr-2966	874	1	assignee	assignee	NOUN
cblr-2966	874	2	liability	liability	NOUN
cblr-2966	874	3	is	be	AUX
cblr-2966	874	4	too	too	ADV
cblr-2966	874	5	blunt	blunt	ADJ
cblr-2966	874	6	.	.	PUNCT
cblr-2966	875	1	together	together	ADV
cblr-2966	875	2	,	,	PUNCT
cblr-2966	875	3	the	the	DET
cblr-2966	875	4	full	full	ADJ
cblr-2966	875	5	sample	sample	NOUN
cblr-2966	875	6	and	and	CCONJ
cblr-2966	875	7	state	state	NOUN
cblr-2966	875	8	-	-	PUNCT
cblr-2966	875	9	level	level	NOUN
cblr-2966	875	10	analyses	analysis	NOUN
cblr-2966	875	11	demonstrate	demonstrate	VERB
cblr-2966	875	12	that	that	SCONJ
cblr-2966	875	13	assignee	assignee	NOUN
cblr-2966	875	14	liability	liability	NOUN
cblr-2966	875	15	increases	increase	VERB
cblr-2966	875	16	costs	cost	NOUN
cblr-2966	875	17	(	(	PUNCT
cblr-2966	875	18	by	by	ADP
cblr-2966	875	19	reducing	reduce	VERB
cblr-2966	875	20	securitization	securitization	NOUN
cblr-2966	875	21	)	)	PUNCT
cblr-2966	875	22	at	at	ADP
cblr-2966	875	23	the	the	DET
cblr-2966	875	24	same	same	ADJ
cblr-2966	875	25	time	time	NOUN
cblr-2966	875	26	as	as	SCONJ
cblr-2966	875	27	it	it	PRON
cblr-2966	875	28	encourages	encourage	VERB
cblr-2966	875	29	consumers	consumer	NOUN
cblr-2966	875	30	to	to	PART
cblr-2966	875	31	enter	enter	VERB
cblr-2966	875	32	the	the	DET
cblr-2966	875	33	market	market	NOUN
cblr-2966	875	34	.	.	PUNCT
cblr-2966	876	1	in	in	ADP
cblr-2966	876	2	fact	fact	NOUN
cblr-2966	876	3	,	,	PUNCT
cblr-2966	876	4	assignee	assignee	NOUN
cblr-2966	876	5	liability	liability	NOUN
cblr-2966	876	6	may	may	AUX
cblr-2966	876	7	make	make	VERB
cblr-2966	876	8	predatory	predatory	ADJ
cblr-2966	876	9	lending	lending	NOUN
cblr-2966	876	10	more	more	ADV
cblr-2966	876	11	dangerous	dangerous	ADJ
cblr-2966	876	12	by	by	ADP
cblr-2966	876	13	failing	fail	VERB
cblr-2966	876	14	to	to	PART
cblr-2966	876	15	stop	stop	VERB
cblr-2966	876	16	the	the	DET
cblr-2966	876	17	practice	practice	NOUN
cblr-2966	876	18	while	while	SCONJ
cblr-2966	876	19	convincing	convince	VERB
cblr-2966	876	20	consumers	consumer	NOUN
cblr-2966	876	21	otherwise	otherwise	ADV
cblr-2966	876	22	.	.	PUNCT
cblr-2966	877	1	at	at	ADP
cblr-2966	877	2	a	a	DET
cblr-2966	877	3	minimum	minimum	NOUN
cblr-2966	877	4	,	,	PUNCT
cblr-2966	877	5	assignee	assignee	NOUN
cblr-2966	877	6	liability	liability	NOUN
cblr-2966	877	7	may	may	AUX
cblr-2966	877	8	be	be	AUX
cblr-2966	877	9	both	both	PRON
cblr-2966	877	10	ill	ill	ADV
cblr-2966	877	11	-	-	PUNCT
cblr-2966	877	12	aimed	aim	VERB
cblr-2966	877	13	and	and	CCONJ
cblr-2966	877	14	too	too	ADV
cblr-2966	877	15	blunt	blunt	ADJ
cblr-2966	877	16	to	to	PART
cblr-2966	877	17	accomplish	accomplish	VERB
cblr-2966	877	18	its	its	PRON
cblr-2966	877	19	purpose	purpose	NOUN
cblr-2966	877	20	without	without	ADP
cblr-2966	877	21	undue	undue	ADJ
cblr-2966	877	22	damage	damage	NOUN
cblr-2966	877	23	to	to	ADP
cblr-2966	877	24	legitimate	legitimate	ADJ
cblr-2966	877	25	subprime	subprime	ADJ
cblr-2966	877	26	credit	credit	NOUN
cblr-2966	877	27	.	.	PUNCT
cblr-2966	878	1	at	at	ADP
cblr-2966	878	2	worst	bad	ADJ
cblr-2966	878	3	,	,	PUNCT
cblr-2966	878	4	it	it	PRON
cblr-2966	878	5	both	both	PRON
cblr-2966	878	6	fails	fail	VERB
cblr-2966	878	7	to	to	PART
cblr-2966	878	8	prevent	prevent	VERB
cblr-2966	878	9	predatory	predatory	NOUN
cblr-2966	878	10	lending	lending	NOUN
cblr-2966	878	11	and	and	CCONJ
cblr-2966	878	12	increases	increase	VERB
cblr-2966	878	13	costs	cost	NOUN
cblr-2966	878	14	for	for	ADP
cblr-2966	878	15	the	the	DET
cblr-2966	878	16	legitimate	legitimate	ADJ
cblr-2966	878	17	market	market	NOUN
cblr-2966	878	18	.	.	PUNCT
cblr-2966	879	1	vi	vi	X
cblr-2966	879	2	.	.	PUNCT
cblr-2966	880	1	the	the	DET
cblr-2966	880	2	great	great	ADJ
cblr-2966	880	3	misconceptualization	misconceptualization	NOUN
cblr-2966	880	4	of	of	ADP
cblr-2966	880	5	subprime	subprime	ADJ
cblr-2966	880	6	lending	lend	VERB
cblr-2966	880	7	the	the	DET
cblr-2966	880	8	failure	failure	NOUN
cblr-2966	880	9	of	of	ADP
cblr-2966	880	10	assignee	assignee	NOUN
cblr-2966	880	11	liability	liability	NOUN
cblr-2966	880	12	suggests	suggest	VERB
cblr-2966	880	13	a	a	DET
cblr-2966	880	14	need	need	NOUN
cblr-2966	880	15	to	to	PART
cblr-2966	880	16	reconceptualize	reconceptualize	VERB
cblr-2966	880	17	the	the	DET
cblr-2966	880	18	problem	problem	NOUN
cblr-2966	880	19	.	.	PUNCT
cblr-2966	881	1	regulators	regulator	NOUN
cblr-2966	881	2	must	must	AUX
cblr-2966	881	3	determine	determine	VERB
cblr-2966	881	4	exactly	exactly	ADV
cblr-2966	881	5	what	what	PRON
cblr-2966	881	6	they	they	PRON
cblr-2966	881	7	are	be	AUX
cblr-2966	881	8	trying	try	VERB
cblr-2966	881	9	to	to	PART
cblr-2966	881	10	accomplish	accomplish	VERB
cblr-2966	881	11	.	.	PUNCT
cblr-2966	882	1	there	there	PRON
cblr-2966	882	2	are	be	VERB
cblr-2966	882	3	many	many	ADJ
cblr-2966	882	4	possible	possible	ADJ
cblr-2966	882	5	goals	goal	NOUN
cblr-2966	882	6	of	of	ADP
cblr-2966	882	7	a	a	DET
cblr-2966	882	8	predatory	predatory	ADJ
cblr-2966	882	9	lending	lending	NOUN
cblr-2966	882	10	regime	regime	NOUN
cblr-2966	882	11	:	:	PUNCT
cblr-2966	882	12	(	(	PUNCT
cblr-2966	882	13	1	1	X
cblr-2966	882	14	)	)	PUNCT
cblr-2966	882	15	to	to	PART
cblr-2966	882	16	make	make	VERB
cblr-2966	882	17	the	the	DET
cblr-2966	882	18	victim	victim	NOUN
cblr-2966	882	19	whole	whole	NOUN
cblr-2966	882	20	;	;	PUNCT
cblr-2966	882	21	(	(	PUNCT
cblr-2966	882	22	2	2	X
cblr-2966	882	23	)	)	PUNCT
cblr-2966	882	24	stop	stop	VERB
cblr-2966	882	25	predatory	predatory	ADJ
cblr-2966	882	26	lending	lending	NOUN
cblr-2966	882	27	;	;	PUNCT
cblr-2966	882	28	(	(	PUNCT
cblr-2966	882	29	3	3	X
cblr-2966	882	30	)	)	PUNCT
cblr-2966	882	31	soothe	soothe	ADJ
cblr-2966	882	32	jittery	jittery	ADJ
cblr-2966	882	33	investors	investor	NOUN
cblr-2966	882	34	in	in	ADP
cblr-2966	882	35	order	order	NOUN
cblr-2966	882	36	to	to	PART
cblr-2966	882	37	encourage	encourage	VERB
cblr-2966	882	38	subprime	subprime	ADJ
cblr-2966	882	39	investment	investment	NOUN
cblr-2966	882	40	;	;	PUNCT
cblr-2966	882	41	(	(	PUNCT
cblr-2966	882	42	4	4	X
cblr-2966	882	43	)	)	PUNCT
cblr-2966	882	44	uphold	uphold	VERB
cblr-2966	882	45	the	the	DET
cblr-2966	882	46	principle	principle	NOUN
cblr-2966	882	47	of	of	ADP
cblr-2966	882	48	free	free	ADJ
cblr-2966	882	49	choice	choice	NOUN
cblr-2966	882	50	in	in	ADP
cblr-2966	882	51	credit	credit	NOUN
cblr-2966	882	52	decisions	decision	NOUN
cblr-2966	882	53	;	;	PUNCT
cblr-2966	882	54	(	(	PUNCT
cblr-2966	882	55	5	5	X
cblr-2966	882	56	)	)	PUNCT
cblr-2966	882	57	encourage	encourage	VERB
cblr-2966	882	58	homeownership	homeownership	NOUN
cblr-2966	882	59	as	as	ADP
cblr-2966	882	60	a	a	DET
cblr-2966	882	61	policy	policy	NOUN
cblr-2966	882	62	goal	goal	NOUN
cblr-2966	882	63	;	;	PUNCT
cblr-2966	882	64	and	and	CCONJ
cblr-2966	882	65	(	(	PUNCT
cblr-2966	882	66	6	6	X
cblr-2966	882	67	)	)	PUNCT
cblr-2966	882	68	encourage	encourage	VERB
cblr-2966	882	69	the	the	DET
cblr-2966	882	70	legitimate	legitimate	ADJ
cblr-2966	882	71	subprime	subprime	ADJ
cblr-2966	882	72	market	market	NOUN
cblr-2966	882	73	.	.	PUNCT
cblr-2966	883	1	the	the	DET
cblr-2966	883	2	current	current	ADJ
cblr-2966	883	3	regime	regime	NOUN
cblr-2966	883	4	tries	try	VERB
cblr-2966	883	5	to	to	PART
cblr-2966	883	6	accomplish	accomplish	VERB
cblr-2966	883	7	all	all	PRON
cblr-2966	883	8	of	of	ADP
cblr-2966	883	9	these	these	DET
cblr-2966	883	10	goals	goal	NOUN
cblr-2966	883	11	,	,	PUNCT
cblr-2966	883	12	but	but	CCONJ
cblr-2966	883	13	does	do	VERB
cblr-2966	883	14	so	so	ADV
cblr-2966	883	15	by	by	ADP
cblr-2966	883	16	focusing	focus	VERB
cblr-2966	883	17	on	on	ADP
cblr-2966	883	18	the	the	DET
cblr-2966	883	19	victim	victim	NOUN
cblr-2966	883	20	with	with	ADP
cblr-2966	883	21	monetary	monetary	ADJ
cblr-2966	883	22	remedies	remedy	NOUN
cblr-2966	883	23	.	.	PUNCT
cblr-2966	884	1	as	as	SCONJ
cblr-2966	884	2	this	this	DET
cblr-2966	884	3	note	note	NOUN
cblr-2966	884	4	has	have	AUX
cblr-2966	884	5	attempted	attempt	VERB
cblr-2966	884	6	to	to	PART
cblr-2966	884	7	demonstrate	demonstrate	VERB
cblr-2966	884	8	,	,	PUNCT
cblr-2966	884	9	it	it	PRON
cblr-2966	884	10	does	do	AUX
cblr-2966	884	11	not	not	PART
cblr-2966	884	12	work	work	VERB
cblr-2966	884	13	.	.	PUNCT
cblr-2966	885	1	instead	instead	ADV
cblr-2966	885	2	,	,	PUNCT
cblr-2966	885	3	policy	policy	NOUN
cblr-2966	885	4	makers	maker	NOUN
cblr-2966	885	5	must	must	AUX
cblr-2966	885	6	be	be	AUX
cblr-2966	885	7	honest	honest	ADJ
cblr-2966	885	8	with	with	ADP
cblr-2966	885	9	themselves	themselves	PRON
cblr-2966	885	10	in	in	ADP
cblr-2966	885	11	determining	determine	VERB
cblr-2966	885	12	which	which	DET
cblr-2966	885	13	goals	goal	NOUN
cblr-2966	885	14	are	be	AUX
cblr-2966	885	15	most	most	ADV
cblr-2966	885	16	important	important	ADJ
cblr-2966	885	17	in	in	ADP
cblr-2966	885	18	the	the	DET
cblr-2966	885	19	long	long	ADV
cblr-2966	885	20	-	-	PUNCT
cblr-2966	885	21	run	run	NOUN
cblr-2966	885	22	.	.	PUNCT
cblr-2966	886	1	'72	'72	NUM
cblr-2966	886	2	if	if	SCONJ
cblr-2966	886	3	society	society	NOUN
cblr-2966	886	4	believes	believe	VERB
cblr-2966	886	5	that	that	SCONJ
cblr-2966	886	6	172	172	NUM
cblr-2966	886	7	other	other	ADJ
cblr-2966	886	8	academics	academic	NOUN
cblr-2966	886	9	suggest	suggest	VERB
cblr-2966	886	10	that	that	SCONJ
cblr-2966	886	11	,	,	PUNCT
cblr-2966	886	12	in	in	ADP
cblr-2966	886	13	targeting	target	VERB
cblr-2966	886	14	assignees	assignee	NOUN
cblr-2966	886	15	,	,	PUNCT
cblr-2966	886	16	society	society	NOUN
cblr-2966	886	17	is	be	AUX
cblr-2966	886	18	misconstruing	misconstrue	VERB
cblr-2966	886	19	the	the	DET
cblr-2966	886	20	problem	problem	NOUN
cblr-2966	886	21	as	as	ADP
cblr-2966	886	22	merely	merely	ADV
cblr-2966	886	23	a	a	DET
cblr-2966	886	24	market	market	NOUN
cblr-2966	886	25	failure	failure	NOUN
cblr-2966	886	26	.	.	PUNCT
cblr-2966	887	1	one	one	NUM
cblr-2966	887	2	suggests	suggest	VERB
cblr-2966	887	3	that	that	SCONJ
cblr-2966	887	4	we	we	PRON
cblr-2966	887	5	need	need	VERB
cblr-2966	887	6	to	to	PART
cblr-2966	887	7	reconceptualize	reconceptualize	VERB
cblr-2966	887	8	the	the	DET
cblr-2966	887	9	broker	broker	NOUN
cblr-2966	887	10	-	-	PUNCT
cblr-2966	887	11	borrower	borrower	NOUN
cblr-2966	887	12	relationship	relationship	NOUN
cblr-2966	887	13	from	from	ADP
cblr-2966	887	14	one	one	NUM
cblr-2966	887	15	of	of	ADP
cblr-2966	887	16	equal	equal	ADJ
cblr-2966	887	17	bargaining	bargaining	NOUN
cblr-2966	887	18	to	to	ADP
cblr-2966	887	19	one	one	NUM
cblr-2966	887	20	of	of	ADP
cblr-2966	887	21	agency	agency	NOUN
cblr-2966	887	22	.	.	PUNCT
cblr-2966	888	1	wilson	wilson	PROPN
cblr-2966	888	2	,	,	PUNCT
cblr-2966	888	3	supra	supra	PROPN
cblr-2966	888	4	note	note	PROPN
cblr-2966	888	5	27	27	NUM
cblr-2966	888	6	.	.	PUNCT
cblr-2966	889	1	another	another	PRON
cblr-2966	889	2	wants	want	VERB
cblr-2966	889	3	to	to	PART
cblr-2966	889	4	use	use	VERB
cblr-2966	889	5	the	the	DET
cblr-2966	889	6	"	"	PUNCT
cblr-2966	889	7	suitability	suitability	NOUN
cblr-2966	889	8	doctrine	doctrine	NOUN
cblr-2966	889	9	"	"	PUNCT
cblr-2966	889	10	from	from	ADP
cblr-2966	889	11	securities	security	NOUN
cblr-2966	889	12	law	law	NOUN
cblr-2966	889	13	to	to	PART
cblr-2966	889	14	judge	judge	VERB
cblr-2966	889	15	loans	loan	NOUN
cblr-2966	889	16	.	.	PUNCT
cblr-2966	890	1	ehrenberg	ehrenberg	PROPN
cblr-2966	890	2	,	,	PUNCT
cblr-2966	890	3	supra	supra	PROPN
cblr-2966	890	4	note	note	NOUN
cblr-2966	890	5	23	23	NUM
cblr-2966	890	6	,	,	PUNCT
cblr-2966	890	7	at	at	ADP
cblr-2966	890	8	125	125	NUM
cblr-2966	890	9	.	.	PUNCT
cblr-2966	891	1	this	this	DET
cblr-2966	891	2	approach	approach	NOUN
cblr-2966	891	3	suffers	suffer	VERB
cblr-2966	891	4	from	from	ADP
cblr-2966	891	5	concern	concern	NOUN
cblr-2966	891	6	no	no	NOUN
cblr-2966	891	7	.	.	PUNCT
cblr-2966	892	1	3:1021	3:1021	NUM
cblr-2966	892	2	]	]	X
cblr-2966	892	3	rethinking	rethink	VERB
cblr-2966	892	4	assignee	assignee	NOUN
cblr-2966	892	5	liability	liability	NOUN
cblr-2966	892	6	columbia	columbia	PROPN
cblr-2966	892	7	business	business	PROPN
cblr-2966	892	8	la	la	PROPN
cblr-2966	892	9	w	w	PROPN
cblr-2966	892	10	review	review	NOUN
cblr-2966	892	11	compensating	compensate	VERB
cblr-2966	892	12	the	the	DET
cblr-2966	892	13	victim	victim	NOUN
cblr-2966	892	14	is	be	AUX
cblr-2966	892	15	more	more	ADV
cblr-2966	892	16	important	important	ADJ
cblr-2966	892	17	than	than	ADP
cblr-2966	892	18	the	the	DET
cblr-2966	892	19	availability	availability	NOUN
cblr-2966	892	20	of	of	ADP
cblr-2966	892	21	subprime	subprime	ADJ
cblr-2966	892	22	credit	credit	NOUN
cblr-2966	892	23	,	,	PUNCT
cblr-2966	892	24	then	then	ADV
cblr-2966	892	25	monetary	monetary	ADJ
cblr-2966	892	26	remedies	remedy	NOUN
cblr-2966	892	27	could	could	AUX
cblr-2966	892	28	be	be	AUX
cblr-2966	892	29	the	the	DET
cblr-2966	892	30	right	right	ADJ
cblr-2966	892	31	choice	choice	NOUN
cblr-2966	892	32	.	.	PUNCT
cblr-2966	893	1	however	however	ADV
cblr-2966	893	2	,	,	PUNCT
cblr-2966	893	3	if	if	SCONJ
cblr-2966	893	4	society	society	NOUN
cblr-2966	893	5	determines	determine	VERB
cblr-2966	893	6	that	that	SCONJ
cblr-2966	893	7	stopping	stop	VERB
cblr-2966	893	8	the	the	DET
cblr-2966	893	9	practice	practice	NOUN
cblr-2966	893	10	and	and	CCONJ
cblr-2966	893	11	preserving	preserve	VERB
cblr-2966	893	12	the	the	DET
cblr-2966	893	13	legitimate	legitimate	ADJ
cblr-2966	893	14	subprime	subprime	ADJ
cblr-2966	893	15	market	market	NOUN
cblr-2966	893	16	is	be	AUX
cblr-2966	893	17	more	more	ADV
cblr-2966	893	18	important	important	ADJ
cblr-2966	893	19	than	than	ADP
cblr-2966	893	20	making	make	VERB
cblr-2966	893	21	individuals	individual	NOUN
cblr-2966	893	22	whole	whole	ADJ
cblr-2966	893	23	,	,	PUNCT
cblr-2966	893	24	the	the	DET
cblr-2966	893	25	answer	answer	NOUN
cblr-2966	893	26	may	may	AUX
cblr-2966	893	27	be	be	AUX
cblr-2966	893	28	elsewhere.173	elsewhere.173	PROPN
cblr-2966	893	29	any	any	DET
cblr-2966	893	30	approach	approach	NOUN
cblr-2966	893	31	must	must	AUX
cblr-2966	893	32	address	address	VERB
cblr-2966	893	33	several	several	ADJ
cblr-2966	893	34	key	key	ADJ
cblr-2966	893	35	problems	problem	NOUN
cblr-2966	893	36	in	in	ADP
cblr-2966	893	37	the	the	DET
cblr-2966	893	38	regulation	regulation	NOUN
cblr-2966	893	39	of	of	ADP
cblr-2966	893	40	subprime	subprime	ADJ
cblr-2966	893	41	lending	lending	NOUN
cblr-2966	893	42	.	.	PUNCT
cblr-2966	894	1	first	first	ADV
cblr-2966	894	2	,	,	PUNCT
cblr-2966	894	3	insolvency	insolvency	NOUN
cblr-2966	894	4	can	can	AUX
cblr-2966	894	5	not	not	PART
cblr-2966	894	6	be	be	AUX
cblr-2966	894	7	a	a	DET
cblr-2966	894	8	defense	defense	NOUN
cblr-2966	894	9	.	.	PUNCT
cblr-2966	895	1	since	since	SCONJ
cblr-2966	895	2	near	near	ADJ
cblr-2966	895	3	-	-	PUNCT
cblr-2966	895	4	insolvent	insolvent	ADJ
cblr-2966	895	5	mortgage	mortgage	NOUN
cblr-2966	895	6	brokers	broker	NOUN
cblr-2966	895	7	,	,	PUNCT
cblr-2966	895	8	rather	rather	ADV
cblr-2966	895	9	than	than	ADP
cblr-2966	895	10	larger	large	ADJ
cblr-2966	895	11	asset	asset	NOUN
cblr-2966	895	12	-	-	PUNCT
cblr-2966	895	13	backed	back	VERB
cblr-2966	895	14	banks	bank	NOUN
cblr-2966	895	15	,	,	PUNCT
cblr-2966	895	16	make	make	VERB
cblr-2966	895	17	well	well	ADV
cblr-2966	895	18	over	over	ADP
cblr-2966	895	19	half	half	DET
cblr-2966	895	20	the	the	DET
cblr-2966	895	21	loans	loan	NOUN
cblr-2966	895	22	,	,	PUNCT
cblr-2966	895	23	this	this	PRON
cblr-2966	895	24	is	be	AUX
cblr-2966	895	25	a	a	DET
cblr-2966	895	26	necessity	necessity	NOUN
cblr-2966	895	27	.	.	PUNCT
cblr-2966	896	1	second	second	ADJ
cblr-2966	896	2	,	,	PUNCT
cblr-2966	896	3	experimentation	experimentation	NOUN
cblr-2966	896	4	must	must	AUX
cblr-2966	896	5	be	be	AUX
cblr-2966	896	6	restored	restore	VERB
cblr-2966	896	7	to	to	ADP
cblr-2966	896	8	the	the	DET
cblr-2966	896	9	states	state	NOUN
cblr-2966	896	10	.	.	PUNCT
cblr-2966	897	1	any	any	DET
cblr-2966	897	2	solution	solution	NOUN
cblr-2966	897	3	is	be	AUX
cblr-2966	897	4	likely	likely	ADJ
cblr-2966	897	5	to	to	PART
cblr-2966	897	6	require	require	VERB
cblr-2966	897	7	finetuning	finetuning	NOUN
cblr-2966	897	8	;	;	PUNCT
cblr-2966	897	9	focusing	focus	VERB
cblr-2966	897	10	on	on	ADP
cblr-2966	897	11	the	the	DET
cblr-2966	897	12	originators	originator	NOUN
cblr-2966	897	13	rather	rather	ADV
cblr-2966	897	14	than	than	ADP
cblr-2966	897	15	assignees	assignee	NOUN
cblr-2966	897	16	would	would	AUX
cblr-2966	897	17	remove	remove	VERB
cblr-2966	897	18	much	much	ADJ
cblr-2966	897	19	of	of	ADP
cblr-2966	897	20	the	the	DET
cblr-2966	897	21	national	national	ADJ
cblr-2966	897	22	rating	rating	NOUN
cblr-2966	897	23	agency	agency	NOUN
cblr-2966	897	24	pressure	pressure	NOUN
cblr-2966	897	25	and	and	CCONJ
cblr-2966	897	26	restore	restore	VERB
cblr-2966	897	27	autonomy	autonomy	NOUN
cblr-2966	897	28	to	to	ADP
cblr-2966	897	29	the	the	DET
cblr-2966	897	30	states	state	NOUN
cblr-2966	897	31	.	.	PUNCT
cblr-2966	898	1	third	third	ADV
cblr-2966	898	2	,	,	PUNCT
cblr-2966	898	3	the	the	DET
cblr-2966	898	4	solution	solution	NOUN
cblr-2966	898	5	should	should	AUX
cblr-2966	898	6	not	not	PART
cblr-2966	898	7	cause	cause	VERB
cblr-2966	898	8	harm	harm	NOUN
cblr-2966	898	9	to	to	ADP
cblr-2966	898	10	investors	investor	NOUN
cblr-2966	898	11	.	.	PUNCT
cblr-2966	899	1	the	the	DET
cblr-2966	899	2	securitized	securitized	ADJ
cblr-2966	899	3	trust	trust	NOUN
cblr-2966	899	4	about	about	ADP
cblr-2966	899	5	predictability	predictability	NOUN
cblr-2966	899	6	and	and	CCONJ
cblr-2966	899	7	does	do	AUX
cblr-2966	899	8	not	not	PART
cblr-2966	899	9	capture	capture	VERB
cblr-2966	899	10	the	the	DET
cblr-2966	899	11	underlying	underlying	ADJ
cblr-2966	899	12	problem	problem	NOUN
cblr-2966	899	13	of	of	ADP
cblr-2966	899	14	how	how	SCONJ
cblr-2966	899	15	to	to	PART
cblr-2966	899	16	apportion	apportion	VERB
cblr-2966	899	17	liability	liability	NOUN
cblr-2966	899	18	.	.	PUNCT
cblr-2966	900	1	173	173	NUM
cblr-2966	900	2	one	one	NUM
cblr-2966	900	3	might	might	AUX
cblr-2966	900	4	pause	pause	VERB
cblr-2966	900	5	to	to	PART
cblr-2966	900	6	consider	consider	VERB
cblr-2966	900	7	whether	whether	SCONJ
cblr-2966	900	8	the	the	DET
cblr-2966	900	9	subprime	subprime	ADJ
cblr-2966	900	10	crisis	crisis	NOUN
cblr-2966	900	11	requires	require	VERB
cblr-2966	900	12	any	any	DET
cblr-2966	900	13	regulatory	regulatory	ADJ
cblr-2966	900	14	action	action	NOUN
cblr-2966	900	15	at	at	ADV
cblr-2966	900	16	all	all	ADV
cblr-2966	900	17	.	.	PUNCT
cblr-2966	901	1	at	at	ADV
cblr-2966	901	2	least	least	ADV
cblr-2966	901	3	two	two	NUM
cblr-2966	901	4	scholars	scholar	NOUN
cblr-2966	901	5	suggest	suggest	VERB
cblr-2966	901	6	this	this	PRON
cblr-2966	901	7	was	be	AUX
cblr-2966	901	8	a	a	DET
cblr-2966	901	9	market	market	NOUN
cblr-2966	901	10	failure	failure	NOUN
cblr-2966	901	11	of	of	ADP
cblr-2966	901	12	excess	excess	ADJ
cblr-2966	901	13	demand	demand	NOUN
cblr-2966	901	14	-	-	PUNCT
cblr-2966	901	15	a	a	DET
cblr-2966	901	16	bubble	bubble	NOUN
cblr-2966	901	17	-	-	PUNCT
cblr-2966	901	18	that	that	ADV
cblr-2966	901	19	likely	likely	ADV
cblr-2966	901	20	will	will	AUX
cblr-2966	901	21	not	not	PART
cblr-2966	901	22	occur	occur	VERB
cblr-2966	901	23	again	again	ADV
cblr-2966	901	24	.	.	PUNCT
cblr-2966	902	1	see	see	VERB
cblr-2966	902	2	kiff	kiff	PROPN
cblr-2966	902	3	&	&	CCONJ
cblr-2966	902	4	mills	mills	PROPN
cblr-2966	902	5	,	,	PUNCT
cblr-2966	902	6	supra	supra	PROPN
cblr-2966	902	7	note	note	NOUN
cblr-2966	902	8	17	17	NUM
cblr-2966	902	9	.	.	PUNCT
cblr-2966	903	1	there	there	PRON
cblr-2966	903	2	is	be	VERB
cblr-2966	903	3	ample	ample	ADJ
cblr-2966	903	4	evidence	evidence	NOUN
cblr-2966	903	5	of	of	ADP
cblr-2966	903	6	an	an	DET
cblr-2966	903	7	industry	industry	NOUN
cblr-2966	903	8	-	-	PUNCT
cblr-2966	903	9	wide	wide	ADJ
cblr-2966	903	10	self	self	NOUN
cblr-2966	903	11	-	-	PUNCT
cblr-2966	903	12	correction	correction	NOUN
cblr-2966	903	13	.	.	PUNCT
cblr-2966	904	1	investors	investor	NOUN
cblr-2966	904	2	are	be	AUX
cblr-2966	904	3	starting	start	VERB
cblr-2966	904	4	to	to	PART
cblr-2966	904	5	sue	sue	VERB
cblr-2966	904	6	banks	bank	NOUN
cblr-2966	904	7	for	for	ADP
cblr-2966	904	8	failing	fail	VERB
cblr-2966	904	9	to	to	PART
cblr-2966	904	10	make	make	VERB
cblr-2966	904	11	adequate	adequate	ADJ
cblr-2966	904	12	reserves	reserve	NOUN
cblr-2966	904	13	or	or	CCONJ
cblr-2966	904	14	explain	explain	VERB
cblr-2966	904	15	the	the	DET
cblr-2966	904	16	risk	risk	NOUN
cblr-2966	904	17	of	of	ADP
cblr-2966	904	18	subprime	subprime	ADJ
cblr-2966	904	19	investing	investing	NOUN
cblr-2966	904	20	.	.	PUNCT
cblr-2966	905	1	the	the	DET
cblr-2966	905	2	finger	finger	NOUN
cblr-2966	905	3	of	of	ADP
cblr-2966	905	4	suspicion	suspicion	NOUN
cblr-2966	905	5	;	;	PUNCT
cblr-2966	905	6	mortgage	mortgage	NOUN
cblr-2966	905	7	-	-	PUNCT
cblr-2966	905	8	industry	industry	NOUN
cblr-2966	905	9	lawsuits	lawsuit	NOUN
cblr-2966	905	10	,	,	PUNCT
cblr-2966	905	11	economist	economist	NOUN
cblr-2966	905	12	,	,	PUNCT
cblr-2966	905	13	dec	dec	PROPN
cblr-2966	905	14	.	.	PROPN
cblr-2966	905	15	22	22	NUM
cblr-2966	905	16	,	,	PUNCT
cblr-2966	905	17	2007	2007	NUM
cblr-2966	905	18	,	,	PUNCT
cblr-2966	905	19	at	at	ADP
cblr-2966	905	20	118	118	NUM
cblr-2966	905	21	.	.	PUNCT
cblr-2966	906	1	the	the	DET
cblr-2966	906	2	sec	sec	PROPN
cblr-2966	906	3	has	have	VERB
cblr-2966	906	4	twenty	twenty	NUM
cblr-2966	906	5	on	on	ADP
cblr-2966	906	6	-	-	PUNCT
cblr-2966	906	7	going	go	VERB
cblr-2966	906	8	investigations	investigation	NOUN
cblr-2966	906	9	,	,	PUNCT
cblr-2966	906	10	targeting	target	VERB
cblr-2966	906	11	banks	bank	NOUN
cblr-2966	906	12	,	,	PUNCT
cblr-2966	906	13	rating	rating	NOUN
cblr-2966	906	14	agencies	agency	NOUN
cblr-2966	906	15	,	,	PUNCT
cblr-2966	906	16	and	and	CCONJ
cblr-2966	906	17	insurers	insurer	NOUN
cblr-2966	906	18	.	.	PUNCT
cblr-2966	907	1	see	see	VERB
cblr-2966	907	2	i	i	PRON
cblr-2966	907	3	d.	d.	PROPN
cblr-2966	907	4	in	in	ADP
cblr-2966	907	5	2006	2006	NUM
cblr-2966	907	6	,	,	PUNCT
cblr-2966	907	7	there	there	PRON
cblr-2966	907	8	were	be	VERB
cblr-2966	907	9	no	no	DET
cblr-2966	907	10	subprime	subprime	ADJ
cblr-2966	907	11	securities	security	NOUN
cblr-2966	907	12	class	class	NOUN
cblr-2966	907	13	actions	action	NOUN
cblr-2966	907	14	;	;	PUNCT
cblr-2966	907	15	in	in	ADP
cblr-2966	907	16	2007	2007	NUM
cblr-2966	907	17	,	,	PUNCT
cblr-2966	907	18	there	there	PRON
cblr-2966	907	19	were	be	VERB
cblr-2966	907	20	thirty	thirty	NUM
cblr-2966	907	21	-	-	PUNCT
cblr-2966	907	22	eight	eight	NUM
cblr-2966	907	23	.	.	PUNCT
cblr-2966	908	1	karen	karen	PROPN
cblr-2966	908	2	donovan	donovan	PROPN
cblr-2966	908	3	,	,	PUNCT
cblr-2966	908	4	class	class	NOUN
cblr-2966	908	5	actions	action	NOUN
cblr-2966	908	6	rise	rise	VERB
cblr-2966	908	7	,	,	PUNCT
cblr-2966	908	8	fueled	fuel	VERB
cblr-2966	908	9	by	by	ADP
cblr-2966	908	10	subprime	subprime	ADJ
cblr-2966	908	11	troubles	trouble	NOUN
cblr-2966	908	12	,	,	PUNCT
cblr-2966	908	13	n.y	n.y	PROPN
cblr-2966	908	14	.	.	PROPN
cblr-2966	908	15	times	times	PROPN
cblr-2966	908	16	,	,	PUNCT
cblr-2966	908	17	dec	dec	PROPN
cblr-2966	908	18	.	.	PROPN
cblr-2966	908	19	21	21	NUM
cblr-2966	908	20	,	,	PUNCT
cblr-2966	908	21	2007	2007	NUM
cblr-2966	908	22	,	,	PUNCT
cblr-2966	908	23	at	at	ADP
cblr-2966	908	24	c7	c7	PROPN
cblr-2966	908	25	.	.	PUNCT
cblr-2966	909	1	investors	investor	NOUN
cblr-2966	909	2	are	be	AUX
cblr-2966	909	3	holding	hold	VERB
cblr-2966	909	4	banks	bank	NOUN
cblr-2966	909	5	accountable	accountable	ADJ
cblr-2966	909	6	in	in	ADP
cblr-2966	909	7	exactly	exactly	ADV
cblr-2966	909	8	the	the	DET
cblr-2966	909	9	way	way	NOUN
cblr-2966	909	10	predatory	predatory	ADJ
cblr-2966	909	11	laws	law	NOUN
cblr-2966	909	12	would	would	AUX
cblr-2966	909	13	have	have	VERB
cblr-2966	909	14	borrowers	borrower	NOUN
cblr-2966	909	15	do	do	VERB
cblr-2966	909	16	.	.	PUNCT
cblr-2966	910	1	the	the	DET
cblr-2966	910	2	market	market	NOUN
cblr-2966	910	3	,	,	PUNCT
cblr-2966	910	4	left	leave	VERB
cblr-2966	910	5	alone	alone	ADV
cblr-2966	910	6	,	,	PUNCT
cblr-2966	910	7	may	may	AUX
cblr-2966	910	8	fix	fix	VERB
cblr-2966	910	9	itself	itself	PRON
cblr-2966	910	10	.	.	PUNCT
cblr-2966	911	1	however	however	ADV
cblr-2966	911	2	,	,	PUNCT
cblr-2966	911	3	some	some	PRON
cblr-2966	911	4	have	have	AUX
cblr-2966	911	5	suggested	suggest	VERB
cblr-2966	911	6	that	that	SCONJ
cblr-2966	911	7	this	this	DET
cblr-2966	911	8	backlash	backlash	NOUN
cblr-2966	911	9	has	have	AUX
cblr-2966	911	10	gone	go	VERB
cblr-2966	911	11	too	too	ADV
cblr-2966	911	12	far	far	ADV
cblr-2966	911	13	,	,	PUNCT
cblr-2966	911	14	undermining	undermine	VERB
cblr-2966	911	15	investor	investor	NOUN
cblr-2966	911	16	confidence	confidence	NOUN
cblr-2966	911	17	in	in	ADP
cblr-2966	911	18	the	the	DET
cblr-2966	911	19	market	market	NOUN
cblr-2966	911	20	.	.	PUNCT
cblr-2966	912	1	special	special	ADJ
cblr-2966	912	2	report	report	NOUN
cblr-2966	912	3	:	:	PUNCT
cblr-2966	912	4	cracks	crack	NOUN
cblr-2966	912	5	in	in	ADP
cblr-2966	912	6	the	the	DET
cblr-2966	912	7	facade	facade	NOUN
cblr-2966	912	8	,	,	PUNCT
cblr-2966	912	9	supra	supra	PROPN
cblr-2966	912	10	note	note	PROPN
cblr-2966	912	11	46	46	NUM
cblr-2966	912	12	;	;	PUNCT
cblr-2966	912	13	subprime	subprime	ADJ
cblr-2966	912	14	subsidence	subsidence	NOUN
cblr-2966	912	15	;	;	PUNCT
cblr-2966	912	16	mortgage	mortgage	NOUN
cblr-2966	912	17	lending	lending	NOUN
cblr-2966	912	18	,	,	PUNCT
cblr-2966	912	19	supra	supra	PROPN
cblr-2966	912	20	note	note	NOUN
cblr-2966	912	21	49	49	NUM
cblr-2966	912	22	.	.	PUNCT
cblr-2966	913	1	by	by	ADP
cblr-2966	913	2	the	the	DET
cblr-2966	913	3	end	end	NOUN
cblr-2966	913	4	of	of	ADP
cblr-2966	913	5	2007	2007	NUM
cblr-2966	913	6	,	,	PUNCT
cblr-2966	913	7	subprime	subprime	ADJ
cblr-2966	913	8	lending	lending	NOUN
cblr-2966	913	9	dropped	drop	VERB
cblr-2966	913	10	from	from	ADP
cblr-2966	913	11	well	well	ADV
cblr-2966	913	12	over	over	ADP
cblr-2966	913	13	20	20	NUM
cblr-2966	913	14	%	%	NOUN
cblr-2966	913	15	of	of	ADP
cblr-2966	913	16	the	the	DET
cblr-2966	913	17	mortgage	mortgage	NOUN
cblr-2966	913	18	market	market	NOUN
cblr-2966	913	19	to	to	ADP
cblr-2966	913	20	roughly	roughly	ADV
cblr-2966	913	21	2	2	NUM
cblr-2966	913	22	%	%	NOUN
cblr-2966	913	23	.	.	PUNCT
cblr-2966	914	1	paletta	paletta	PROPN
cblr-2966	914	2	&	&	CCONJ
cblr-2966	914	3	hagerty	hagerty	PROPN
cblr-2966	914	4	,	,	PUNCT
cblr-2966	914	5	supra	supra	PROPN
cblr-2966	914	6	note	note	NOUN
cblr-2966	914	7	6	6	NUM
cblr-2966	914	8	.	.	PUNCT
cblr-2966	915	1	what	what	PRON
cblr-2966	915	2	predatory	predatory	NOUN
cblr-2966	915	3	lending	lending	NOUN
cblr-2966	915	4	laws	law	NOUN
cblr-2966	915	5	,	,	PUNCT
cblr-2966	915	6	even	even	ADV
cblr-2966	915	7	with	with	ADP
cblr-2966	915	8	assignee	assignee	NOUN
cblr-2966	915	9	liability	liability	NOUN
cblr-2966	915	10	,	,	PUNCT
cblr-2966	915	11	were	be	AUX
cblr-2966	915	12	not	not	PART
cblr-2966	915	13	doing	do	VERB
cblr-2966	915	14	,	,	PUNCT
cblr-2966	915	15	the	the	DET
cblr-2966	915	16	risk	risk	NOUN
cblr-2966	915	17	associated	associate	VERB
cblr-2966	915	18	with	with	ADP
cblr-2966	915	19	the	the	DET
cblr-2966	915	20	foreclosure	foreclosure	NOUN
cblr-2966	915	21	crisis	crisis	NOUN
cblr-2966	915	22	did	do	VERB
cblr-2966	915	23	in	in	ADP
cblr-2966	915	24	one	one	NUM
cblr-2966	915	25	year	year	NOUN
cblr-2966	915	26	.	.	PUNCT
cblr-2966	916	1	if	if	SCONJ
cblr-2966	916	2	anything	anything	PRON
cblr-2966	916	3	,	,	PUNCT
cblr-2966	916	4	this	this	PRON
cblr-2966	916	5	indicates	indicate	VERB
cblr-2966	916	6	the	the	DET
cblr-2966	916	7	need	need	NOUN
cblr-2966	916	8	for	for	ADP
cblr-2966	916	9	a	a	DET
cblr-2966	916	10	law	law	NOUN
cblr-2966	916	11	promoting	promote	VERB
cblr-2966	916	12	investor	investor	NOUN
cblr-2966	916	13	and	and	CCONJ
cblr-2966	916	14	borrower	borrower	NOUN
cblr-2966	916	15	confidence	confidence	NOUN
cblr-2966	916	16	.	.	PUNCT
cblr-2966	917	1	taking	take	VERB
cblr-2966	917	2	no	no	DET
cblr-2966	917	3	action	action	NOUN
cblr-2966	917	4	does	do	AUX
cblr-2966	917	5	not	not	PART
cblr-2966	917	6	preserve	preserve	VERB
cblr-2966	917	7	the	the	DET
cblr-2966	917	8	subprime	subprime	ADJ
cblr-2966	917	9	mortgage	mortgage	NOUN
cblr-2966	917	10	market	market	NOUN
cblr-2966	917	11	.	.	PUNCT
cblr-2966	918	1	[	[	X
cblr-2966	918	2	vol	vol	NOUN
cblr-2966	918	3	.	.	PUNCT
cblr-2966	918	4	2008	2008	NUM
cblr-2966	919	1	rethinking	rethink	VERB
cblr-2966	919	2	assignee	assignee	NOUN
cblr-2966	919	3	liability	liability	NOUN
cblr-2966	919	4	must	must	AUX
cblr-2966	919	5	remain	remain	VERB
cblr-2966	919	6	independent	independent	ADJ
cblr-2966	919	7	of	of	ADP
cblr-2966	919	8	the	the	DET
cblr-2966	919	9	originator	originator	NOUN
cblr-2966	919	10	to	to	PART
cblr-2966	919	11	reduce	reduce	VERB
cblr-2966	919	12	investment	investment	NOUN
cblr-2966	919	13	risk	risk	NOUN
cblr-2966	919	14	,	,	PUNCT
cblr-2966	919	15	especially	especially	ADV
cblr-2966	919	16	for	for	ADP
cblr-2966	919	17	those	those	DET
cblr-2966	919	18	aspects	aspect	NOUN
cblr-2966	919	19	of	of	ADP
cblr-2966	919	20	borrower	borrower	NOUN
cblr-2966	919	21	characteristics	characteristic	NOUN
cblr-2966	919	22	that	that	PRON
cblr-2966	919	23	are	be	AUX
cblr-2966	919	24	impossible	impossible	ADJ
cblr-2966	919	25	to	to	PART
cblr-2966	919	26	verify	verify	VERB
cblr-2966	919	27	.	.	PUNCT
cblr-2966	920	1	fourth	fourth	ADV
cblr-2966	920	2	,	,	PUNCT
cblr-2966	920	3	any	any	DET
cblr-2966	920	4	regime	regime	NOUN
cblr-2966	920	5	must	must	AUX
cblr-2966	920	6	not	not	PART
cblr-2966	920	7	rely	rely	VERB
cblr-2966	920	8	on	on	ADP
cblr-2966	920	9	the	the	DET
cblr-2966	920	10	need	need	NOUN
cblr-2966	920	11	for	for	SCONJ
cblr-2966	920	12	third	third	ADJ
cblr-2966	920	13	parties	party	NOUN
cblr-2966	920	14	to	to	PART
cblr-2966	920	15	verify	verify	VERB
cblr-2966	920	16	that	that	SCONJ
cblr-2966	920	17	the	the	DET
cblr-2966	920	18	originator	originator	NOUN
cblr-2966	920	19	was	be	AUX
cblr-2966	920	20	truthful	truthful	ADJ
cblr-2966	920	21	about	about	ADP
cblr-2966	920	22	impossible	impossible	ADJ
cblr-2966	920	23	to	to	PART
cblr-2966	920	24	verify	verify	VERB
cblr-2966	920	25	characteristics	characteristic	NOUN
cblr-2966	920	26	.	.	PUNCT
cblr-2966	921	1	174	174	NUM
cblr-2966	921	2	finally	finally	ADV
cblr-2966	921	3	,	,	PUNCT
cblr-2966	921	4	the	the	DET
cblr-2966	921	5	solution	solution	NOUN
cblr-2966	921	6	must	must	AUX
cblr-2966	921	7	punish	punish	VERB
cblr-2966	921	8	bad	bad	ADJ
cblr-2966	921	9	actors	actor	NOUN
cblr-2966	921	10	without	without	ADP
cblr-2966	921	11	providing	provide	VERB
cblr-2966	921	12	a	a	DET
cblr-2966	921	13	windfall	windfall	NOUN
cblr-2966	921	14	for	for	ADP
cblr-2966	921	15	transactions	transaction	NOUN
cblr-2966	921	16	that	that	PRON
cblr-2966	921	17	victims	victim	NOUN
cblr-2966	921	18	willfully	willfully	ADV
cblr-2966	921	19	entered	enter	VERB
cblr-2966	921	20	.	.	PUNCT
cblr-2966	922	1	reconceptualizing	reconceptualizing	NOUN
cblr-2966	922	2	requires	require	VERB
cblr-2966	922	3	acknowledgement	acknowledgement	NOUN
cblr-2966	922	4	that	that	SCONJ
cblr-2966	922	5	the	the	DET
cblr-2966	922	6	borrower	borrower	NOUN
cblr-2966	922	7	agreed	agree	VERB
cblr-2966	922	8	to	to	ADP
cblr-2966	922	9	the	the	DET
cblr-2966	922	10	contract	contract	NOUN
cblr-2966	922	11	.	.	PUNCT
cblr-2966	923	1	focusing	focus	VERB
cblr-2966	923	2	on	on	ADP
cblr-2966	923	3	the	the	DET
cblr-2966	923	4	perpetrator	perpetrator	NOUN
cblr-2966	923	5	prevents	prevent	VERB
cblr-2966	923	6	the	the	DET
cblr-2966	923	7	regime	regime	NOUN
cblr-2966	923	8	from	from	ADP
cblr-2966	923	9	encouraging	encourage	VERB
cblr-2966	923	10	consumers	consumer	NOUN
cblr-2966	923	11	to	to	PART
cblr-2966	923	12	enter	enter	VERB
cblr-2966	923	13	into	into	ADP
cblr-2966	923	14	contracts	contract	NOUN
cblr-2966	923	15	they	they	PRON
cblr-2966	923	16	can	can	AUX
cblr-2966	923	17	not	not	PART
cblr-2966	923	18	afford	afford	VERB
cblr-2966	923	19	,	,	PUNCT
cblr-2966	923	20	while	while	SCONJ
cblr-2966	923	21	also	also	ADV
cblr-2966	923	22	preventing	prevent	VERB
cblr-2966	923	23	the	the	DET
cblr-2966	923	24	law	law	NOUN
cblr-2966	923	25	from	from	ADP
cblr-2966	923	26	artificially	artificially	ADV
cblr-2966	923	27	keeping	keep	VERB
cblr-2966	923	28	people	people	NOUN
cblr-2966	923	29	in	in	ADP
cblr-2966	923	30	houses	house	NOUN
cblr-2966	923	31	they	they	PRON
cblr-2966	923	32	can	can	AUX
cblr-2966	923	33	not	not	PART
cblr-2966	923	34	maintain	maintain	VERB
cblr-2966	923	35	.	.	PUNCT
cblr-2966	924	1	175	175	NUM
cblr-2966	924	2	the	the	DET
cblr-2966	924	3	solution	solution	NOUN
cblr-2966	924	4	to	to	ADP
cblr-2966	924	5	predatory	predatory	ADJ
cblr-2966	924	6	lending	lending	NOUN
cblr-2966	924	7	must	must	AUX
cblr-2966	924	8	separate	separate	VERB
cblr-2966	924	9	the	the	DET
cblr-2966	924	10	culpability	culpability	NOUN
cblr-2966	924	11	of	of	ADP
cblr-2966	924	12	the	the	DET
cblr-2966	924	13	originator	originator	NOUN
cblr-2966	924	14	from	from	ADP
cblr-2966	924	15	the	the	DET
cblr-2966	924	16	negligence	negligence	NOUN
cblr-2966	924	17	of	of	ADP
cblr-2966	924	18	the	the	DET
cblr-2966	924	19	"	"	PUNCT
cblr-2966	924	20	victim	victim	NOUN
cblr-2966	924	21	.	.	PUNCT
cblr-2966	924	22	"	"	PUNCT
cblr-2966	925	1	only	only	ADV
cblr-2966	925	2	then	then	ADV
cblr-2966	925	3	can	can	AUX
cblr-2966	925	4	the	the	DET
cblr-2966	925	5	system	system	NOUN
cblr-2966	925	6	punish	punish	VERB
cblr-2966	925	7	bad	bad	ADJ
cblr-2966	925	8	actors	actor	NOUN
cblr-2966	925	9	without	without	ADP
cblr-2966	925	10	creating	create	VERB
cblr-2966	925	11	a	a	DET
cblr-2966	925	12	cycle	cycle	NOUN
cblr-2966	925	13	that	that	PRON
cblr-2966	925	14	rewards	reward	VERB
cblr-2966	925	15	negative	negative	ADJ
cblr-2966	925	16	victim	victim	NOUN
cblr-2966	925	17	behavior	behavior	NOUN
cblr-2966	925	18	.	.	PUNCT
cblr-2966	926	1	focusing	focus	VERB
cblr-2966	926	2	on	on	ADP
cblr-2966	926	3	deterrence	deterrence	NOUN
cblr-2966	926	4	would	would	AUX
cblr-2966	926	5	provide	provide	VERB
cblr-2966	926	6	an	an	DET
cblr-2966	926	7	approach	approach	NOUN
cblr-2966	926	8	that	that	PRON
cblr-2966	926	9	is	be	AUX
cblr-2966	926	10	victim	victim	NOUN
cblr-2966	926	11	-	-	PUNCT
cblr-2966	926	12	neutral	neutral	ADJ
cblr-2966	926	13	,	,	PUNCT
cblr-2966	926	14	but	but	CCONJ
cblr-2966	926	15	more	more	ADV
cblr-2966	926	16	effective	effective	ADJ
cblr-2966	926	17	at	at	ADP
cblr-2966	926	18	both	both	PRON
cblr-2966	926	19	stopping	stop	VERB
cblr-2966	926	20	further	further	ADJ
cblr-2966	926	21	wrongdoing	wrongdoing	NOUN
cblr-2966	926	22	and	and	CCONJ
cblr-2966	926	23	maintaining	maintain	VERB
cblr-2966	926	24	subprime	subprime	ADJ
cblr-2966	926	25	credit	credit	NOUN
cblr-2966	926	26	.	.	PUNCT
cblr-2966	927	1	criminal	criminal	ADJ
cblr-2966	927	2	liability	liability	NOUN
cblr-2966	927	3	is	be	AUX
cblr-2966	927	4	one	one	NUM
cblr-2966	927	5	possible	possible	ADJ
cblr-2966	927	6	alternative	alternative	NOUN
cblr-2966	927	7	under	under	ADP
cblr-2966	927	8	this	this	DET
cblr-2966	927	9	rubric	rubric	NOUN
cblr-2966	927	10	.	.	PUNCT
cblr-2966	928	1	76	76	NUM
cblr-2966	928	2	criminal	criminal	ADJ
cblr-2966	928	3	liability	liability	NOUN
cblr-2966	928	4	is	be	AUX
cblr-2966	928	5	no	no	DET
cblr-2966	928	6	stranger	strange	ADJ
cblr-2966	928	7	to	to	ADP
cblr-2966	928	8	white	white	ADJ
cblr-2966	928	9	-	-	PUNCT
cblr-2966	928	10	collar	collar	NOUN
cblr-2966	928	11	offenses	offense	NOUN
cblr-2966	928	12	.	.	PUNCT
cblr-2966	929	1	77	77	NUM
cblr-2966	929	2	174	174	NUM
cblr-2966	929	3	unlike	unlike	ADP
cblr-2966	929	4	the	the	DET
cblr-2966	929	5	plaintiffs	plaintiff	NOUN
cblr-2966	929	6	in	in	ADP
cblr-2966	929	7	a	a	DET
cblr-2966	929	8	foreclosure	foreclosure	NOUN
cblr-2966	929	9	case	case	NOUN
cblr-2966	929	10	or	or	CCONJ
cblr-2966	929	11	direct	direct	ADJ
cblr-2966	929	12	predatory	predatory	NOUN
cblr-2966	929	13	lending	lending	NOUN
cblr-2966	929	14	case	case	NOUN
cblr-2966	929	15	,	,	PUNCT
cblr-2966	929	16	investors	investor	NOUN
cblr-2966	929	17	are	be	AUX
cblr-2966	929	18	(	(	PUNCT
cblr-2966	929	19	relatively	relatively	ADV
cblr-2966	929	20	)	)	PUNCT
cblr-2966	929	21	easily	easily	ADV
cblr-2966	929	22	pooled	pool	VERB
cblr-2966	929	23	into	into	ADP
cblr-2966	929	24	a	a	DET
cblr-2966	929	25	class	class	NOUN
cblr-2966	929	26	and	and	CCONJ
cblr-2966	929	27	have	have	VERB
cblr-2966	929	28	the	the	DET
cblr-2966	929	29	wherewithal	wherewithal	NOUN
cblr-2966	929	30	to	to	PART
cblr-2966	929	31	bring	bring	VERB
cblr-2966	929	32	suits	suit	NOUN
cblr-2966	929	33	,	,	PUNCT
cblr-2966	929	34	as	as	SCONJ
cblr-2966	929	35	evidenced	evidence	VERB
cblr-2966	929	36	by	by	ADP
cblr-2966	929	37	the	the	DET
cblr-2966	929	38	thirty	thirty	NUM
cblr-2966	929	39	-	-	PUNCT
cblr-2966	929	40	eight	eight	NUM
cblr-2966	929	41	brought	bring	VERB
cblr-2966	929	42	in	in	ADP
cblr-2966	929	43	2007	2007	NUM
cblr-2966	929	44	.	.	PUNCT
cblr-2966	930	1	donovan	donovan	PROPN
cblr-2966	930	2	,	,	PUNCT
cblr-2966	930	3	supra	supra	PROPN
cblr-2966	930	4	note	note	PROPN
cblr-2966	930	5	173	173	NUM
cblr-2966	930	6	;	;	PUNCT
cblr-2966	930	7	nathan	nathan	PROPN
cblr-2966	930	8	koppel	koppel	PROPN
cblr-2966	930	9	,	,	PUNCT
cblr-2966	930	10	securities	security	NOUN
cblr-2966	930	11	class	class	NOUN
cblr-2966	930	12	-	-	PUNCT
cblr-2966	930	13	action	action	NOUN
cblr-2966	930	14	lawsuits	lawsuit	NOUN
cblr-2966	930	15	climb	climb	VERB
cblr-2966	930	16	by	by	ADP
cblr-2966	930	17	43	43	NUM
cblr-2966	930	18	%	%	NOUN
cblr-2966	930	19	,	,	PUNCT
cblr-2966	930	20	wall	wall	PROPN
cblr-2966	930	21	st	st	PROPN
cblr-2966	930	22	.	.	PROPN
cblr-2966	930	23	j.	j.	PROPN
cblr-2966	930	24	,	,	PUNCT
cblr-2966	930	25	dec	dec	PROPN
cblr-2966	930	26	.	.	PROPN
cblr-2966	930	27	22	22	NUM
cblr-2966	930	28	,	,	PUNCT
cblr-2966	930	29	2007	2007	NUM
cblr-2966	930	30	,	,	PUNCT
cblr-2966	930	31	at	at	ADP
cblr-2966	930	32	b2	b2	NOUN
cblr-2966	930	33	.	.	PUNCT
cblr-2966	931	1	175	175	NUM
cblr-2966	931	2	see	see	VERB
cblr-2966	931	3	kiff	kiff	PROPN
cblr-2966	931	4	&	&	CCONJ
cblr-2966	931	5	mills	mills	PROPN
cblr-2966	931	6	,	,	PUNCT
cblr-2966	931	7	supra	supra	PROPN
cblr-2966	931	8	note	note	PROPN
cblr-2966	931	9	17	17	NUM
cblr-2966	931	10	,	,	PUNCT
cblr-2966	931	11	at	at	ADP
cblr-2966	931	12	15	15	NUM
cblr-2966	931	13	.	.	PUNCT
cblr-2966	931	14	...	...	PUNCT
cblr-2966	932	1	this	this	DET
cblr-2966	932	2	approach	approach	NOUN
cblr-2966	932	3	is	be	AUX
cblr-2966	932	4	very	very	ADV
cblr-2966	932	5	much	much	ADV
cblr-2966	932	6	in	in	ADP
cblr-2966	932	7	line	line	NOUN
cblr-2966	932	8	with	with	ADP
cblr-2966	932	9	the	the	DET
cblr-2966	932	10	10b5	10b5	NUM
cblr-2966	932	11	-	-	SYM
cblr-2966	932	12	1	1	NUM
cblr-2966	932	13	insider	insider	NOUN
cblr-2966	932	14	trading	trading	NOUN
cblr-2966	932	15	rules	rule	NOUN
cblr-2966	932	16	.	.	PUNCT
cblr-2966	933	1	insider	insider	NOUN
cblr-2966	933	2	trading	trading	NOUN
cblr-2966	933	3	remedies	remedy	NOUN
cblr-2966	933	4	run	run	VERB
cblr-2966	933	5	up	up	ADP
cblr-2966	933	6	to	to	ADP
cblr-2966	933	7	disgorgement	disgorgement	NOUN
cblr-2966	933	8	plus	plus	CCONJ
cblr-2966	933	9	three	three	NUM
cblr-2966	933	10	times	time	NOUN
cblr-2966	933	11	that	that	DET
cblr-2966	933	12	amount	amount	NOUN
cblr-2966	933	13	.	.	PUNCT
cblr-2966	934	1	however	however	ADV
cblr-2966	934	2	,	,	PUNCT
cblr-2966	934	3	insider	insider	NOUN
cblr-2966	934	4	trading	trading	NOUN
cblr-2966	934	5	could	could	AUX
cblr-2966	934	6	mean	mean	VERB
cblr-2966	934	7	huge	huge	ADJ
cblr-2966	934	8	damages	damage	NOUN
cblr-2966	934	9	for	for	ADP
cblr-2966	934	10	a	a	DET
cblr-2966	934	11	large	large	ADJ
cblr-2966	934	12	class	class	NOUN
cblr-2966	934	13	of	of	ADP
cblr-2966	934	14	people	people	NOUN
cblr-2966	934	15	.	.	PUNCT
cblr-2966	935	1	thus	thus	ADV
cblr-2966	935	2	,	,	PUNCT
cblr-2966	935	3	there	there	PRON
cblr-2966	935	4	is	be	VERB
cblr-2966	935	5	virtually	virtually	ADV
cblr-2966	935	6	no	no	DET
cblr-2966	935	7	way	way	NOUN
cblr-2966	935	8	those	those	DET
cblr-2966	935	9	people	people	NOUN
cblr-2966	935	10	will	will	AUX
cblr-2966	935	11	see	see	VERB
cblr-2966	935	12	more	more	ADJ
cblr-2966	935	13	than	than	ADP
cblr-2966	935	14	a	a	DET
cblr-2966	935	15	"	"	PUNCT
cblr-2966	935	16	penny	penny	NOUN
cblr-2966	935	17	on	on	ADP
cblr-2966	935	18	the	the	DET
cblr-2966	935	19	dollar	dollar	NOUN
cblr-2966	935	20	"	"	PUNCT
cblr-2966	935	21	for	for	ADP
cblr-2966	935	22	their	their	PRON
cblr-2966	935	23	losses	loss	NOUN
cblr-2966	935	24	.	.	PUNCT
cblr-2966	936	1	this	this	DET
cblr-2966	936	2	approach	approach	NOUN
cblr-2966	936	3	makes	make	VERB
cblr-2966	936	4	sense	sense	NOUN
cblr-2966	936	5	not	not	PART
cblr-2966	936	6	because	because	SCONJ
cblr-2966	936	7	it	it	PRON
cblr-2966	936	8	is	be	AUX
cblr-2966	936	9	cold	cold	ADJ
cblr-2966	936	10	-	-	PUNCT
cblr-2966	936	11	hearted	hearted	ADJ
cblr-2966	936	12	,	,	PUNCT
cblr-2966	936	13	but	but	CCONJ
cblr-2966	936	14	because	because	SCONJ
cblr-2966	936	15	it	it	PRON
cblr-2966	936	16	prevents	prevent	VERB
cblr-2966	936	17	the	the	DET
cblr-2966	936	18	practice	practice	NOUN
cblr-2966	936	19	from	from	ADP
cblr-2966	936	20	causing	cause	VERB
cblr-2966	936	21	more	more	ADJ
cblr-2966	936	22	damage	damage	NOUN
cblr-2966	936	23	to	to	ADP
cblr-2966	936	24	society	society	NOUN
cblr-2966	936	25	than	than	SCONJ
cblr-2966	936	26	it	it	PRON
cblr-2966	936	27	has	have	VERB
cblr-2966	936	28	already	already	ADV
cblr-2966	936	29	,	,	PUNCT
cblr-2966	936	30	both	both	CCONJ
cblr-2966	936	31	by	by	ADP
cblr-2966	936	32	stopping	stop	VERB
cblr-2966	936	33	it	it	PRON
cblr-2966	936	34	,	,	PUNCT
cblr-2966	936	35	and	and	CCONJ
cblr-2966	936	36	by	by	ADP
cblr-2966	936	37	not	not	PART
cblr-2966	936	38	harming	harm	VERB
cblr-2966	936	39	anything	anything	PRON
cblr-2966	936	40	else	else	ADV
cblr-2966	936	41	in	in	ADP
cblr-2966	936	42	the	the	DET
cblr-2966	936	43	process	process	NOUN
cblr-2966	936	44	.	.	PUNCT
cblr-2966	937	1	177	177	NUM
cblr-2966	937	2	insider	insider	NOUN
cblr-2966	937	3	trading	trading	NOUN
cblr-2966	937	4	is	be	AUX
cblr-2966	937	5	one	one	NUM
cblr-2966	937	6	example	example	NOUN
cblr-2966	937	7	.	.	PUNCT
cblr-2966	938	1	violations	violation	NOUN
cblr-2966	938	2	of	of	ADP
cblr-2966	938	3	rule	rule	NOUN
cblr-2966	938	4	10b5	10b5	NUM
cblr-2966	938	5	-	-	SYM
cblr-2966	938	6	1	1	NUM
cblr-2966	938	7	can	can	AUX
cblr-2966	938	8	carry	carry	VERB
cblr-2966	938	9	not	not	PART
cblr-2966	938	10	only	only	ADV
cblr-2966	938	11	civil	civil	ADJ
cblr-2966	938	12	penalties	penalty	NOUN
cblr-2966	938	13	,	,	PUNCT
cblr-2966	938	14	but	but	CCONJ
cblr-2966	938	15	also	also	ADV
cblr-2966	938	16	penal	penal	ADJ
cblr-2966	938	17	consequences	consequence	NOUN
cblr-2966	938	18	.	.	PUNCT
cblr-2966	939	1	one	one	NUM
cblr-2966	939	2	of	of	ADP
cblr-2966	939	3	the	the	DET
cblr-2966	939	4	best	well	ADV
cblr-2966	939	5	known	known	ADJ
cblr-2966	939	6	examples	example	NOUN
cblr-2966	939	7	is	be	AUX
cblr-2966	939	8	the	the	DET
cblr-2966	939	9	prosecution	prosecution	NOUN
cblr-2966	939	10	and	and	CCONJ
cblr-2966	939	11	one	one	NUM
cblr-2966	939	12	year	year	NOUN
cblr-2966	939	13	prison	prison	NOUN
cblr-2966	939	14	sentence	sentence	NOUN
cblr-2966	939	15	of	of	ADP
cblr-2966	939	16	ilan	ilan	PROPN
cblr-2966	939	17	reich	reich	PROPN
cblr-2966	939	18	for	for	ADP
cblr-2966	939	19	insider	insider	NOUN
cblr-2966	939	20	trading	trading	NOUN
cblr-2966	939	21	.	.	PUNCT
cblr-2966	940	1	jennifer	jennifer	PROPN
cblr-2966	940	2	reingold	reingold	PROPN
cblr-2966	940	3	,	,	PUNCT
cblr-2966	940	4	the	the	DET
cblr-2966	940	5	rise	rise	NOUN
cblr-2966	940	6	and	and	CCONJ
cblr-2966	940	7	fall	fall	VERB
cblr-2966	940	8	(	(	PUNCT
cblr-2966	940	9	and	and	CCONJ
cblr-2966	940	10	no	no	INTJ
cblr-2966	940	11	.	.	PUNCT
cblr-2966	941	1	3:1021	3:1021	NUM
cblr-2966	941	2	]	]	X
cblr-2966	941	3	columbia	columbia	PROPN
cblr-2966	941	4	business	business	PROPN
cblr-2966	941	5	la	la	PROPN
cblr-2966	941	6	w	w	PROPN
cblr-2966	941	7	review	review	PROPN
cblr-2966	941	8	like	like	ADP
cblr-2966	941	9	insider	insider	NOUN
cblr-2966	941	10	trading	trading	NOUN
cblr-2966	941	11	,	,	PUNCT
cblr-2966	941	12	criminal	criminal	ADJ
cblr-2966	941	13	liability	liability	NOUN
cblr-2966	941	14	rules	rule	NOUN
cblr-2966	941	15	that	that	PRON
cblr-2966	941	16	hold	hold	VERB
cblr-2966	941	17	mortgage	mortgage	NOUN
cblr-2966	941	18	brokers	broker	NOUN
cblr-2966	941	19	criminally	criminally	ADV
cblr-2966	941	20	liable	liable	ADJ
cblr-2966	941	21	for	for	ADP
cblr-2966	941	22	certain	certain	ADJ
cblr-2966	941	23	,	,	PUNCT
cblr-2966	941	24	defined	define	VERB
cblr-2966	941	25	lending	lending	NOUN
cblr-2966	941	26	practices	practice	NOUN
cblr-2966	941	27	could	could	AUX
cblr-2966	941	28	restore	restore	VERB
cblr-2966	941	29	investor	investor	NOUN
cblr-2966	941	30	confidence	confidence	NOUN
cblr-2966	941	31	without	without	ADP
cblr-2966	941	32	imposing	impose	VERB
cblr-2966	941	33	costs	cost	NOUN
cblr-2966	941	34	on	on	ADP
cblr-2966	941	35	securitization	securitization	NOUN
cblr-2966	941	36	.	.	PUNCT
cblr-2966	942	1	criminal	criminal	ADJ
cblr-2966	942	2	liability	liability	NOUN
cblr-2966	942	3	can	can	AUX
cblr-2966	942	4	not	not	PART
cblr-2966	942	5	be	be	AUX
cblr-2966	942	6	thwarted	thwart	VERB
cblr-2966	942	7	by	by	ADP
cblr-2966	942	8	insolvency	insolvency	NOUN
cblr-2966	942	9	,	,	PUNCT
cblr-2966	942	10	maintains	maintain	VERB
cblr-2966	942	11	focus	focus	NOUN
cblr-2966	942	12	on	on	ADP
cblr-2966	942	13	originators	originator	NOUN
cblr-2966	942	14	,	,	PUNCT
cblr-2966	942	15	and	and	CCONJ
cblr-2966	942	16	does	do	AUX
cblr-2966	942	17	not	not	PART
cblr-2966	942	18	encourage	encourage	VERB
cblr-2966	942	19	borrowers	borrower	NOUN
cblr-2966	942	20	to	to	PART
cblr-2966	942	21	enter	enter	VERB
cblr-2966	942	22	into	into	ADP
cblr-2966	942	23	unfavorable	unfavorable	ADJ
cblr-2966	942	24	contracts	contract	NOUN
cblr-2966	942	25	.	.	PUNCT
cblr-2966	943	1	moreover	moreover	ADV
cblr-2966	943	2	,	,	PUNCT
cblr-2966	943	3	the	the	DET
cblr-2966	943	4	federal	federal	ADJ
cblr-2966	943	5	bureau	bureau	PROPN
cblr-2966	943	6	of	of	ADP
cblr-2966	943	7	investigation	investigation	NOUN
cblr-2966	943	8	(	(	PUNCT
cblr-2966	943	9	"	"	PUNCT
cblr-2966	943	10	fbi	fbi	PROPN
cblr-2966	943	11	"	"	PUNCT
cblr-2966	943	12	)	)	PUNCT
cblr-2966	943	13	already	already	ADV
cblr-2966	943	14	uses	use	VERB
cblr-2966	943	15	criminal	criminal	ADJ
cblr-2966	943	16	investigations	investigation	NOUN
cblr-2966	943	17	against	against	ADP
cblr-2966	943	18	the	the	DET
cblr-2966	943	19	worst	bad	ADJ
cblr-2966	943	20	of	of	ADP
cblr-2966	943	21	the	the	DET
cblr-2966	943	22	predatory	predatory	ADJ
cblr-2966	943	23	lenders	lender	NOUN
cblr-2966	943	24	.	.	PUNCT
cblr-2966	944	1	'78	'78	NUM
cblr-2966	944	2	nevertheless	nevertheless	ADV
cblr-2966	944	3	,	,	PUNCT
cblr-2966	944	4	criminal	criminal	ADJ
cblr-2966	944	5	liability	liability	NOUN
cblr-2966	944	6	is	be	AUX
cblr-2966	944	7	just	just	ADV
cblr-2966	944	8	one	one	NUM
cblr-2966	944	9	example	example	NOUN
cblr-2966	944	10	of	of	ADP
cblr-2966	944	11	a	a	DET
cblr-2966	944	12	range	range	NOUN
cblr-2966	944	13	of	of	ADP
cblr-2966	944	14	possible	possible	ADJ
cblr-2966	944	15	solutions	solution	NOUN
cblr-2966	944	16	when	when	SCONJ
cblr-2966	944	17	regulators	regulator	NOUN
cblr-2966	944	18	reconceptualize	reconceptualize	VERB
cblr-2966	944	19	the	the	DET
cblr-2966	944	20	subprime	subprime	ADJ
cblr-2966	944	21	crisis	crisis	NOUN
cblr-2966	944	22	.	.	PUNCT
cblr-2966	945	1	instead	instead	ADV
cblr-2966	945	2	of	of	ADP
cblr-2966	945	3	focusing	focus	VERB
cblr-2966	945	4	on	on	ADP
cblr-2966	945	5	the	the	DET
cblr-2966	945	6	problem	problem	NOUN
cblr-2966	945	7	,	,	PUNCT
cblr-2966	945	8	a	a	DET
cblr-2966	945	9	focus	focus	NOUN
cblr-2966	945	10	on	on	ADP
cblr-2966	945	11	the	the	DET
cblr-2966	945	12	sanctity	sanctity	NOUN
cblr-2966	945	13	and	and	CCONJ
cblr-2966	945	14	importance	importance	NOUN
cblr-2966	945	15	of	of	ADP
cblr-2966	945	16	homeownership	homeownership	NOUN
cblr-2966	945	17	spurred	spur	VERB
cblr-2966	945	18	the	the	DET
cblr-2966	945	19	idea	idea	NOUN
cblr-2966	945	20	that	that	SCONJ
cblr-2966	945	21	the	the	DET
cblr-2966	945	22	victim	victim	NOUN
cblr-2966	945	23	must	must	AUX
cblr-2966	945	24	be	be	AUX
cblr-2966	945	25	made	make	VERB
cblr-2966	945	26	whole	whole	ADJ
cblr-2966	945	27	.	.	PUNCT
cblr-2966	946	1	yet	yet	ADV
cblr-2966	946	2	,	,	PUNCT
cblr-2966	946	3	that	that	DET
cblr-2966	946	4	wrong	wrong	ADJ
cblr-2966	946	5	conception	conception	NOUN
cblr-2966	946	6	creates	create	VERB
cblr-2966	946	7	laws	law	NOUN
cblr-2966	946	8	like	like	ADP
cblr-2966	946	9	assignee	assignee	NOUN
cblr-2966	946	10	liability	liability	NOUN
cblr-2966	946	11	that	that	PRON
cblr-2966	946	12	not	not	PART
cblr-2966	946	13	only	only	ADV
cblr-2966	946	14	fail	fail	VERB
cblr-2966	946	15	to	to	PART
cblr-2966	946	16	stop	stop	VERB
cblr-2966	946	17	predatory	predatory	ADJ
cblr-2966	946	18	lending	lending	NOUN
cblr-2966	946	19	,	,	PUNCT
cblr-2966	946	20	but	but	CCONJ
cblr-2966	946	21	instead	instead	ADV
cblr-2966	946	22	lull	lull	VERB
cblr-2966	946	23	more	more	ADV
cblr-2966	946	24	unwary	unwary	ADJ
cblr-2966	946	25	victims	victim	NOUN
cblr-2966	946	26	into	into	ADP
cblr-2966	946	27	the	the	DET
cblr-2966	946	28	market	market	NOUN
cblr-2966	946	29	.	.	PUNCT
cblr-2966	947	1	vii.conclusion	vii.conclusion	NOUN
cblr-2966	947	2	while	while	SCONJ
cblr-2966	947	3	predatory	predatory	ADJ
cblr-2966	947	4	lending	lending	NOUN
cblr-2966	947	5	is	be	AUX
cblr-2966	947	6	quite	quite	ADV
cblr-2966	947	7	troubling	troubling	ADJ
cblr-2966	947	8	,	,	PUNCT
cblr-2966	947	9	regulators	regulator	NOUN
cblr-2966	947	10	need	need	VERB
cblr-2966	947	11	to	to	PART
cblr-2966	947	12	check	check	VERB
cblr-2966	947	13	their	their	PRON
cblr-2966	947	14	instincts	instinct	NOUN
cblr-2966	947	15	at	at	ADP
cblr-2966	947	16	the	the	DET
cblr-2966	947	17	door	door	NOUN
cblr-2966	947	18	when	when	SCONJ
cblr-2966	947	19	crafting	craft	VERB
cblr-2966	947	20	regulations	regulation	NOUN
cblr-2966	947	21	.	.	PUNCT
cblr-2966	948	1	regulators	regulator	NOUN
cblr-2966	948	2	'	'	PART
cblr-2966	948	3	concern	concern	NOUN
cblr-2966	948	4	for	for	ADP
cblr-2966	948	5	making	make	VERB
cblr-2966	948	6	victims	victim	NOUN
cblr-2966	948	7	whole	whole	ADJ
cblr-2966	948	8	and	and	CCONJ
cblr-2966	948	9	being	be	AUX
cblr-2966	948	10	"	"	PUNCT
cblr-2966	948	11	fair	fair	ADJ
cblr-2966	948	12	"	"	PUNCT
cblr-2966	948	13	has	have	AUX
cblr-2966	948	14	caused	cause	VERB
cblr-2966	948	15	them	they	PRON
cblr-2966	948	16	to	to	PART
cblr-2966	948	17	adopt	adopt	VERB
cblr-2966	948	18	assignee	assignee	NOUN
cblr-2966	948	19	liability	liability	NOUN
cblr-2966	948	20	.	.	PUNCT
cblr-2966	949	1	by	by	ADP
cblr-2966	949	2	compensating	compensate	VERB
cblr-2966	949	3	the	the	DET
cblr-2966	949	4	victim	victim	NOUN
cblr-2966	949	5	,	,	PUNCT
cblr-2966	949	6	assignee	assignee	NOUN
cblr-2966	949	7	liability	liability	NOUN
cblr-2966	949	8	paves	pave	VERB
cblr-2966	949	9	the	the	DET
cblr-2966	949	10	way	way	NOUN
cblr-2966	949	11	for	for	ADP
cblr-2966	949	12	future	future	ADJ
cblr-2966	949	13	injustice	injustice	NOUN
cblr-2966	949	14	,	,	PUNCT
cblr-2966	949	15	while	while	SCONJ
cblr-2966	949	16	causing	cause	VERB
cblr-2966	949	17	significant	significant	ADJ
cblr-2966	949	18	damage	damage	NOUN
cblr-2966	949	19	to	to	ADP
cblr-2966	949	20	the	the	DET
cblr-2966	949	21	legitimate	legitimate	ADJ
cblr-2966	949	22	,	,	PUNCT
cblr-2966	949	23	welfare	welfare	NOUN
cblr-2966	949	24	-	-	PUNCT
cblr-2966	949	25	enhancing	enhance	VERB
cblr-2966	949	26	portion	portion	NOUN
cblr-2966	949	27	of	of	ADP
cblr-2966	949	28	the	the	DET
cblr-2966	949	29	subprime	subprime	ADJ
cblr-2966	949	30	industry	industry	NOUN
cblr-2966	949	31	.	.	PUNCT
cblr-2966	950	1	moreover	moreover	ADV
cblr-2966	950	2	,	,	PUNCT
cblr-2966	950	3	it	it	PRON
cblr-2966	950	4	may	may	AUX
cblr-2966	950	5	not	not	PART
cblr-2966	950	6	even	even	ADV
cblr-2966	950	7	make	make	VERB
cblr-2966	950	8	sense	sense	NOUN
cblr-2966	950	9	to	to	PART
cblr-2966	950	10	compensate	compensate	VERB
cblr-2966	950	11	people	people	NOUN
cblr-2966	950	12	who	who	PRON
cblr-2966	950	13	freely	freely	ADV
cblr-2966	950	14	signed	sign	VERB
cblr-2966	950	15	for	for	ADP
cblr-2966	950	16	loans	loan	NOUN
cblr-2966	950	17	they	they	PRON
cblr-2966	950	18	could	could	AUX
cblr-2966	950	19	not	not	PART
cblr-2966	950	20	repay	repay	VERB
cblr-2966	950	21	.	.	PUNCT
cblr-2966	951	1	both	both	PRON
cblr-2966	951	2	theoretically	theoretically	ADV
cblr-2966	951	3	and	and	CCONJ
cblr-2966	951	4	empirically	empirically	ADV
cblr-2966	951	5	,	,	PUNCT
cblr-2966	951	6	this	this	DET
cblr-2966	951	7	note	note	NOUN
cblr-2966	951	8	attempted	attempt	VERB
cblr-2966	951	9	to	to	PART
cblr-2966	951	10	demonstrate	demonstrate	VERB
cblr-2966	951	11	problems	problem	NOUN
cblr-2966	951	12	with	with	ADP
cblr-2966	951	13	assignee	assignee	NOUN
cblr-2966	951	14	liability	liability	NOUN
cblr-2966	951	15	.	.	PUNCT
cblr-2966	952	1	conceptually	conceptually	ADV
cblr-2966	952	2	,	,	PUNCT
cblr-2966	952	3	assignee	assignee	NOUN
cblr-2966	952	4	liability	liability	NOUN
cblr-2966	952	5	imposes	impose	VERB
cblr-2966	952	6	large	large	ADJ
cblr-2966	952	7	costs	cost	NOUN
cblr-2966	952	8	for	for	ADP
cblr-2966	952	9	assignees	assignee	NOUN
cblr-2966	952	10	.	.	PUNCT
cblr-2966	953	1	empirically	empirically	ADV
cblr-2966	953	2	,	,	PUNCT
cblr-2966	953	3	these	these	DET
cblr-2966	953	4	costs	cost	NOUN
cblr-2966	953	5	are	be	AUX
cblr-2966	953	6	real	real	ADJ
cblr-2966	953	7	.	.	PUNCT
cblr-2966	954	1	rather	rather	ADV
cblr-2966	954	2	than	than	ADP
cblr-2966	954	3	ending	end	VERB
cblr-2966	954	4	predatory	predatory	ADJ
cblr-2966	954	5	lending	lending	NOUN
cblr-2966	954	6	,	,	PUNCT
cblr-2966	954	7	the	the	DET
cblr-2966	954	8	laws	law	NOUN
cblr-2966	954	9	may	may	AUX
cblr-2966	954	10	merely	merely	ADV
cblr-2966	954	11	be	be	AUX
cblr-2966	954	12	forcing	force	VERB
cblr-2966	954	13	subsequent	subsequent	ADJ
cblr-2966	954	14	fall	fall	NOUN
cblr-2966	954	15	and	and	CCONJ
cblr-2966	954	16	rise	rise	NOUN
cblr-2966	954	17	)	)	PUNCT
cblr-2966	954	18	of	of	ADP
cblr-2966	954	19	ilan	ilan	PROPN
cblr-2966	954	20	k	k	PROPN
cblr-2966	954	21	reich	reich	PROPN
cblr-2966	954	22	,	,	PUNCT
cblr-2966	954	23	fortune	fortune	PROPN
cblr-2966	954	24	,	,	PUNCT
cblr-2966	954	25	june	june	PROPN
cblr-2966	954	26	11	11	NUM
cblr-2966	954	27	,	,	PUNCT
cblr-2966	954	28	2007	2007	NUM
cblr-2966	954	29	,	,	PUNCT
cblr-2966	954	30	at	at	ADP
cblr-2966	954	31	148	148	NUM
cblr-2966	954	32	.	.	PUNCT
cblr-2966	955	1	tax	tax	NOUN
cblr-2966	955	2	evasion	evasion	NOUN
cblr-2966	955	3	,	,	PUNCT
cblr-2966	955	4	another	another	DET
cblr-2966	955	5	form	form	NOUN
cblr-2966	955	6	of	of	ADP
cblr-2966	955	7	fraud	fraud	NOUN
cblr-2966	955	8	,	,	PUNCT
cblr-2966	955	9	would	would	AUX
cblr-2966	955	10	be	be	AUX
cblr-2966	955	11	a	a	DET
cblr-2966	955	12	further	further	ADJ
cblr-2966	955	13	example	example	NOUN
cblr-2966	955	14	.	.	PUNCT
cblr-2966	956	1	"	"	PUNCT
cblr-2966	956	2	'	'	PUNCT
cblr-2966	956	3	see	see	VERB
cblr-2966	956	4	carolyn	carolyn	PROPN
cblr-2966	956	5	said	say	VERB
cblr-2966	956	6	,	,	PUNCT
cblr-2966	956	7	plenty	plenty	NOUN
cblr-2966	956	8	of	of	ADP
cblr-2966	956	9	blame	blame	NOUN
cblr-2966	956	10	for	for	ADP
cblr-2966	956	11	lending	lending	NOUN
cblr-2966	956	12	mess	mess	NOUN
cblr-2966	956	13	,	,	PUNCT
cblr-2966	956	14	s.f	s.f	PROPN
cblr-2966	956	15	.	.	PROPN
cblr-2966	956	16	chron	chron	PROPN
cblr-2966	956	17	.	.	PUNCT
cblr-2966	956	18	,	,	PUNCT
cblr-2966	956	19	feb	feb	PROPN
cblr-2966	956	20	.	.	PROPN
cblr-2966	956	21	3	3	NUM
cblr-2966	956	22	,	,	PUNCT
cblr-2966	956	23	2008	2008	NUM
cblr-2966	956	24	,	,	PUNCT
cblr-2966	956	25	at	at	ADP
cblr-2966	956	26	c1	c1	PROPN
cblr-2966	956	27	(	(	PUNCT
cblr-2966	956	28	detailing	detail	VERB
cblr-2966	956	29	fourteen	fourteen	NUM
cblr-2966	956	30	fbi	fbi	PROPN
cblr-2966	956	31	criminal	criminal	ADJ
cblr-2966	956	32	cases	case	NOUN
cblr-2966	956	33	and	and	CCONJ
cblr-2966	956	34	investigations	investigation	NOUN
cblr-2966	956	35	by	by	ADP
cblr-2966	956	36	the	the	DET
cblr-2966	956	37	ohio	ohio	PROPN
cblr-2966	956	38	attorney	attorney	NOUN
cblr-2966	956	39	general	general	NOUN
cblr-2966	956	40	)	)	PUNCT
cblr-2966	956	41	.	.	PUNCT
cblr-2966	957	1	[	[	X
cblr-2966	957	2	vol	vol	NOUN
cblr-2966	957	3	.	.	NOUN
cblr-2966	957	4	2008	2008	NUM
cblr-2966	957	5	the	the	DET
cblr-2966	957	6	practices	practice	NOUN
cblr-2966	957	7	to	to	PART
cblr-2966	957	8	change	change	VERB
cblr-2966	957	9	.	.	PUNCT
cblr-2966	958	1	assignee	assignee	NOUN
cblr-2966	958	2	lending	lending	NOUN
cblr-2966	958	3	laws	law	NOUN
cblr-2966	958	4	boost	boost	VERB
cblr-2966	958	5	consumer	consumer	NOUN
cblr-2966	958	6	confidence	confidence	NOUN
cblr-2966	958	7	,	,	PUNCT
cblr-2966	958	8	while	while	SCONJ
cblr-2966	958	9	at	at	ADP
cblr-2966	958	10	the	the	DET
cblr-2966	958	11	same	same	ADJ
cblr-2966	958	12	time	time	NOUN
cblr-2966	958	13	failing	fail	VERB
cblr-2966	958	14	to	to	PART
cblr-2966	958	15	adequately	adequately	ADV
cblr-2966	958	16	police	police	VERB
cblr-2966	958	17	predatory	predatory	ADJ
cblr-2966	958	18	lending	lending	NOUN
cblr-2966	958	19	practices	practice	NOUN
cblr-2966	958	20	.	.	PUNCT
cblr-2966	959	1	assignee	assignee	NOUN
cblr-2966	959	2	liability	liability	NOUN
cblr-2966	959	3	laws	law	NOUN
cblr-2966	959	4	end	end	VERB
cblr-2966	959	5	up	up	ADP
cblr-2966	959	6	as	as	ADP
cblr-2966	959	7	an	an	DET
cblr-2966	959	8	ill	ill	ADV
cblr-2966	959	9	-	-	PUNCT
cblr-2966	959	10	fated	fate	VERB
cblr-2966	959	11	attempt	attempt	NOUN
cblr-2966	959	12	to	to	PART
cblr-2966	959	13	"	"	PUNCT
cblr-2966	959	14	right	right	VERB
cblr-2966	959	15	the	the	DET
cblr-2966	959	16	wrongs	wrong	NOUN
cblr-2966	959	17	"	"	PUNCT
cblr-2966	959	18	of	of	ADP
cblr-2966	959	19	predatory	predatory	ADJ
cblr-2966	959	20	lending	lending	NOUN
cblr-2966	959	21	.	.	PUNCT
cblr-2966	960	1	they	they	PRON
cblr-2966	960	2	end	end	VERB
cblr-2966	960	3	up	up	ADP
cblr-2966	960	4	not	not	PART
cblr-2966	960	5	only	only	ADV
cblr-2966	960	6	failing	fail	VERB
cblr-2966	960	7	in	in	ADP
cblr-2966	960	8	that	that	DET
cblr-2966	960	9	attempt	attempt	NOUN
cblr-2966	960	10	,	,	PUNCT
cblr-2966	960	11	but	but	CCONJ
cblr-2966	960	12	making	make	VERB
cblr-2966	960	13	the	the	DET
cblr-2966	960	14	problem	problem	NOUN
cblr-2966	960	15	even	even	ADV
cblr-2966	960	16	worse	bad	ADJ
cblr-2966	960	17	.	.	PUNCT
cblr-2966	961	1	regulators	regulator	NOUN
cblr-2966	961	2	need	need	VERB
cblr-2966	961	3	a	a	DET
cblr-2966	961	4	new	new	ADJ
cblr-2966	961	5	answer	answer	NOUN
cblr-2966	961	6	.	.	PUNCT
cblr-2966	962	1	a	a	DET
cblr-2966	962	2	first	first	ADJ
cblr-2966	962	3	glance	glance	NOUN
cblr-2966	962	4	at	at	ADP
cblr-2966	962	5	a	a	DET
cblr-2966	962	6	deterrence	deterrence	NOUN
cblr-2966	962	7	-	-	PUNCT
cblr-2966	962	8	based	base	VERB
cblr-2966	962	9	approach	approach	NOUN
cblr-2966	962	10	,	,	PUNCT
cblr-2966	962	11	such	such	ADJ
cblr-2966	962	12	as	as	ADP
cblr-2966	962	13	using	use	VERB
cblr-2966	962	14	criminal	criminal	ADJ
cblr-2966	962	15	liability	liability	NOUN
cblr-2966	962	16	,	,	PUNCT
cblr-2966	962	17	demonstrates	demonstrate	VERB
cblr-2966	962	18	the	the	DET
cblr-2966	962	19	possibility	possibility	NOUN
cblr-2966	962	20	that	that	SCONJ
cblr-2966	962	21	regulators	regulator	NOUN
cblr-2966	962	22	can	can	AUX
cblr-2966	962	23	restore	restore	VERB
cblr-2966	962	24	consumer	consumer	NOUN
cblr-2966	962	25	confidence	confidence	NOUN
cblr-2966	962	26	in	in	ADP
cblr-2966	962	27	the	the	DET
cblr-2966	962	28	credit	credit	NOUN
cblr-2966	962	29	market	market	NOUN
cblr-2966	962	30	,	,	PUNCT
cblr-2966	962	31	restore	restore	VERB
cblr-2966	962	32	investor	investor	NOUN
cblr-2966	962	33	confidence	confidence	NOUN
cblr-2966	962	34	in	in	ADP
cblr-2966	962	35	the	the	DET
cblr-2966	962	36	securities	security	NOUN
cblr-2966	962	37	market	market	NOUN
cblr-2966	962	38	,	,	PUNCT
cblr-2966	962	39	and	and	CCONJ
cblr-2966	962	40	prevent	prevent	VERB
cblr-2966	962	41	the	the	DET
cblr-2966	962	42	victimization	victimization	NOUN
cblr-2966	962	43	of	of	ADP
cblr-2966	962	44	consumers	consumer	NOUN
cblr-2966	962	45	.	.	PUNCT
cblr-2966	963	1	more	more	ADV
cblr-2966	963	2	important	important	ADJ
cblr-2966	963	3	than	than	ADP
cblr-2966	963	4	a	a	DET
cblr-2966	963	5	specific	specific	ADJ
cblr-2966	963	6	solution	solution	NOUN
cblr-2966	963	7	,	,	PUNCT
cblr-2966	963	8	however	however	ADV
cblr-2966	963	9	,	,	PUNCT
cblr-2966	963	10	is	be	AUX
cblr-2966	963	11	to	to	PART
cblr-2966	963	12	attack	attack	VERB
cblr-2966	963	13	the	the	DET
cblr-2966	963	14	problem	problem	NOUN
cblr-2966	963	15	with	with	ADP
cblr-2966	963	16	the	the	DET
cblr-2966	963	17	proper	proper	ADJ
cblr-2966	963	18	deterrence	deterrence	NOUN
cblr-2966	963	19	-	-	PUNCT
cblr-2966	963	20	oriented	orient	VERB
cblr-2966	963	21	conceptualization	conceptualization	NOUN
cblr-2966	963	22	.	.	PUNCT
cblr-2966	964	1	perhaps	perhaps	ADV
cblr-2966	964	2	hamlet	hamlet	PROPN
cblr-2966	964	3	was	be	AUX
cblr-2966	964	4	really	really	ADV
cblr-2966	964	5	discussing	discuss	VERB
cblr-2966	964	6	the	the	DET
cblr-2966	964	7	perils	peril	NOUN
cblr-2966	964	8	of	of	ADP
cblr-2966	964	9	assignee	assignee	NOUN
cblr-2966	964	10	liability	liability	NOUN
cblr-2966	964	11	when	when	SCONJ
cblr-2966	964	12	he	he	PRON
cblr-2966	964	13	suggested	suggest	VERB
cblr-2966	964	14	the	the	DET
cblr-2966	964	15	dangers	danger	NOUN
cblr-2966	964	16	of	of	ADP
cblr-2966	964	17	jumping	jump	VERB
cblr-2966	964	18	into	into	ADP
cblr-2966	964	19	unknown	unknown	ADJ
cblr-2966	964	20	evils	evil	NOUN
cblr-2966	964	21	,	,	PUNCT
cblr-2966	964	22	"	"	PUNCT
cblr-2966	964	23	and	and	CCONJ
cblr-2966	964	24	makes	make	VERB
cblr-2966	964	25	us	we	PRON
cblr-2966	964	26	rather	rather	ADV
cblr-2966	964	27	bear	bear	VERB
cblr-2966	964	28	those	those	DET
cblr-2966	964	29	ills	ill	NOUN
cblr-2966	964	30	we	we	PRON
cblr-2966	964	31	have	have	VERB
cblr-2966	964	32	/	/	PUNCT
cblr-2966	964	33	than	than	SCONJ
cblr-2966	964	34	fly	fly	VERB
cblr-2966	964	35	to	to	ADP
cblr-2966	964	36	others	other	NOUN
cblr-2966	964	37	that	that	SCONJ
cblr-2966	964	38	we	we	PRON
cblr-2966	964	39	know	know	VERB
cblr-2966	964	40	not	not	PART
cblr-2966	964	41	of?""'9	of?""'9	PROPN
cblr-2966	964	42	the	the	DET
cblr-2966	964	43	subprime	subprime	ADJ
cblr-2966	964	44	mortgage	mortgage	NOUN
cblr-2966	964	45	crisis	crisis	NOUN
cblr-2966	964	46	forces	force	VERB
cblr-2966	964	47	lawmakers	lawmaker	NOUN
cblr-2966	964	48	to	to	PART
cblr-2966	964	49	face	face	VERB
cblr-2966	964	50	the	the	DET
cblr-2966	964	51	harsh	harsh	ADJ
cblr-2966	964	52	reality	reality	NOUN
cblr-2966	964	53	that	that	SCONJ
cblr-2966	964	54	not	not	PART
cblr-2966	964	55	all	all	DET
cblr-2966	964	56	americans	americans	PROPN
cblr-2966	964	57	can	can	AUX
cblr-2966	964	58	afford	afford	VERB
cblr-2966	964	59	to	to	PART
cblr-2966	964	60	own	own	VERB
cblr-2966	964	61	a	a	DET
cblr-2966	964	62	home	home	NOUN
cblr-2966	964	63	.	.	PUNCT
cblr-2966	965	1	in	in	ADP
cblr-2966	965	2	attempting	attempt	VERB
cblr-2966	965	3	to	to	PART
cblr-2966	965	4	help	help	VERB
cblr-2966	965	5	those	those	DET
cblr-2966	965	6	americans	americans	PROPN
cblr-2966	965	7	,	,	PUNCT
cblr-2966	965	8	lawmakers	lawmaker	NOUN
cblr-2966	965	9	need	need	VERB
cblr-2966	965	10	to	to	PART
cblr-2966	965	11	be	be	AUX
cblr-2966	965	12	careful	careful	ADJ
cblr-2966	965	13	they	they	PRON
cblr-2966	965	14	do	do	AUX
cblr-2966	965	15	not	not	PART
cblr-2966	965	16	foreclose	foreclose	VERB
cblr-2966	965	17	the	the	DET
cblr-2966	965	18	opportunity	opportunity	NOUN
cblr-2966	965	19	for	for	ADP
cblr-2966	965	20	other	other	ADJ
cblr-2966	965	21	americans	american	NOUN
cblr-2966	965	22	who	who	PRON
cblr-2966	965	23	can	can	AUX
cblr-2966	965	24	.	.	PUNCT
cblr-2966	965	25	'	'	PUNCT
cblr-2966	966	1	william	william	PROPN
cblr-2966	966	2	shakespeare	shakespeare	PROPN
cblr-2966	966	3	,	,	PUNCT
cblr-2966	966	4	hamlet	hamlet	NOUN
cblr-2966	966	5	,	,	PUNCT
cblr-2966	966	6	prince	prince	NOUN
cblr-2966	966	7	of	of	ADP
cblr-2966	966	8	denmark	denmark	PROPN
cblr-2966	966	9	act	act	PROPN
cblr-2966	966	10	3	3	NUM
cblr-2966	966	11	,	,	PUNCT
cblr-2966	966	12	sc	sc	PROPN
cblr-2966	966	13	.	.	PROPN
cblr-2966	966	14	1	1	NUM
cblr-2966	966	15	.	.	X
cblr-2966	967	1	no	no	INTJ
cblr-2966	967	2	.	.	PUNCT
cblr-2966	968	1	3:1021	3:1021	NUM
cblr-2966	968	2	]	]	X
cblr-2966	968	3	rethinking	rethink	VERB
cblr-2966	968	4	assignee	assignee	NOUN
cblr-2966	968	5	liability	liability	NOUN
cblr-2966	968	6	table	table	NOUN
cblr-2966	968	7	1	1	NUM
cblr-2966	968	8	:	:	PUNCT
cblr-2966	968	9	u.s	u.s	PROPN
cblr-2966	968	10	.	.	PROPN
cblr-2966	968	11	census	census	PROPN
cblr-2966	968	12	bureau	bureau	PROPN
cblr-2966	968	13	home	home	PROPN
cblr-2966	968	14	ownership	ownership	NOUN
cblr-2966	968	15	data	datum	NOUN
cblr-2966	968	16	by	by	ADP
cblr-2966	968	17	race	race	NOUN
cblr-2966	968	18	u.s	u.s	PROPN
cblr-2966	968	19	.	.	PROPN
cblr-2966	968	20	census	census	PROPN
cblr-2966	968	21	bureau	bureau	PROPN
cblr-2966	968	22	home	home	PROPN
cblr-2966	968	23	ownership	ownership	NOUN
cblr-2966	968	24	data	datum	NOUN
cblr-2966	968	25	by	by	ADP
cblr-2966	968	26	race	race	NOUN
cblr-2966	968	27	(	(	PUNCT
cblr-2966	968	28	2007	2007	NUM
cblr-2966	968	29	3rd	3rd	ADJ
cblr-2966	968	30	quarter	quarter	NOUN
cblr-2966	968	31	and	and	CCONJ
cblr-2966	968	32	national	national	ADJ
cblr-2966	968	33	only	only	ADV
cblr-2966	968	34	)	)	PUNCT
cblr-2966	968	35	0.75	0.75	NUM
cblr-2966	968	36	0.7	0.7	NUM
cblr-2966	968	37	0.65	0.65	NUM
cblr-2966	968	38	0.6	0.6	NUM
cblr-2966	969	1	_	_	PRON
cblr-2966	969	2	-us	-us	ADJ
cblr-2966	969	3	-i	-i	PUNCT
cblr-2966	969	4	-caucasian	-caucasian	ADJ
cblr-2966	969	5	0.55	0.55	NUM
cblr-2966	969	6	-	-	SYM
cblr-2966	969	7	*	*	SYM
cblr-2966	969	8	_	_	PUNCT
cblr-2966	970	1	_	_	PUNCT
cblr-2966	971	1	_	_	PUNCT
cblr-2966	972	1	_	_	PUNCT
cblr-2966	972	2	-a	-a	NUM
cblr-2966	972	3	-	-	ADJ
cblr-2966	972	4	african	african	ADJ
cblr-2966	972	5	american	american	PROPN
cblr-2966	972	6	0	0	NUM
cblr-2966	972	7	0.5	0.5	NUM
cblr-2966	972	8	-hispanic	-hispanic	ADJ
cblr-2966	972	9	0.45	0.45	NUM
cblr-2966	972	10	0.4	0.4	NUM
cblr-2966	973	1	i	i	PRON
cblr-2966	973	2	i	i	PRON
cblr-2966	973	3	1995	1995	NUM
cblr-2966	973	4	1997	1997	NUM
cblr-2966	973	5	1999	1999	NUM
cblr-2966	973	6	2001	2001	NUM
cblr-2966	973	7	2003	2003	NUM
cblr-2966	973	8	2005	2005	NUM
cblr-2966	973	9	2007	2007	NUM
cblr-2966	973	10	table	table	NOUN
cblr-2966	973	11	2	2	NUM
cblr-2966	973	12	:	:	PUNCT
cblr-2966	973	13	applicant	applicant	ADJ
cblr-2966	973	14	characteristics	characteristic	NOUN
cblr-2966	973	15	mean	mean	VERB
cblr-2966	973	16	median	median	ADJ
cblr-2966	973	17	n	n	CCONJ
cblr-2966	973	18	applicant	applicant	ADJ
cblr-2966	973	19	income	income	NOUN
cblr-2966	973	20	:	:	PUNCT
cblr-2966	973	21	79.29	79.29	NUM
cblr-2966	973	22	66	66	NUM
cblr-2966	973	23	3388181	3388181	NUM
cblr-2966	973	24	(	(	PUNCT
cblr-2966	973	25	in	in	ADP
cblr-2966	973	26	thousands	thousand	NOUN
cblr-2966	973	27	)	)	PUNCT
cblr-2966	973	28	african	african	ADJ
cblr-2966	973	29	-	-	PUNCT
cblr-2966	973	30	american	american	ADJ
cblr-2966	973	31	9	9	NUM
cblr-2966	973	32	%	%	NOUN
cblr-2966	973	33	na	na	ADP
cblr-2966	973	34	3762438	3762438	NUM
cblr-2966	973	35	hispanic	hispanic	ADJ
cblr-2966	973	36	11	11	NUM
cblr-2966	973	37	%	%	NOUN
cblr-2966	973	38	na	na	ADP
cblr-2966	973	39	3762438	3762438	NUM
cblr-2966	973	40	asian	asian	ADJ
cblr-2966	973	41	3	3	NUM
cblr-2966	973	42	%	%	NOUN
cblr-2966	973	43	na	na	ADP
cblr-2966	973	44	3762438	3762438	NUM
cblr-2966	973	45	male	male	NOUN
cblr-2966	973	46	55	55	NUM
cblr-2966	973	47	%	%	NOUN
cblr-2966	973	48	na	na	ADP
cblr-2966	973	49	3762438	3762438	NUM
cblr-2966	973	50	loan	loan	NOUN
cblr-2966	973	51	amount:(in	amount:(in	NOUN
cblr-2966	973	52	houns	houn	NOUN
cblr-2966	973	53	152.93	152.93	NUM
cblr-2966	973	54	128	128	NUM
cblr-2966	973	55	3762438(in	3762438(in	NUM
cblr-2966	973	56	thousands	thousand	NOUN
cblr-2966	973	57	)	)	PUNCT
cblr-2966	973	58	table	table	NOUN
cblr-2966	973	59	3	3	NUM
cblr-2966	973	60	:	:	PUNCT
cblr-2966	973	61	distribution	distribution	NOUN
cblr-2966	973	62	of	of	ADP
cblr-2966	973	63	originations	origination	NOUN
cblr-2966	973	64	by	by	ADP
cblr-2966	973	65	type	type	NOUN
cblr-2966	973	66	percent	percent	NOUN
cblr-2966	973	67	of	of	ADP
cblr-2966	973	68	total	total	ADJ
cblr-2966	973	69	2004	2004	NUM
cblr-2966	973	70	2005	2005	NUM
cblr-2966	973	71	2006	2006	NUM
cblr-2966	973	72	high	high	ADJ
cblr-2966	973	73	cost	cost	NOUN
cblr-2966	973	74	loans	loan	NOUN
cblr-2966	973	75	16.45	16.45	NUM
cblr-2966	973	76	28.18	28.18	NUM
cblr-2966	973	77	29.35	29.35	NUM
cblr-2966	973	78	hoepa	hoepa	NOUN
cblr-2966	973	79	loans	loan	NOUN
cblr-2966	973	80	0.14	0.14	NUM
cblr-2966	973	81	0.24	0.24	NUM
cblr-2966	973	82	0.11	0.11	NUM
cblr-2966	973	83	conventional	conventional	ADJ
cblr-2966	973	84	loans	loan	NOUN
cblr-2966	973	85	83.51	83.51	NUM
cblr-2966	973	86	71.82	71.82	NUM
cblr-2966	973	87	70.65	70.65	NUM
cblr-2966	973	88	table	table	NOUN
cblr-2966	973	89	4	4	NUM
cblr-2966	973	90	:	:	PUNCT
cblr-2966	973	91	distribution	distribution	NOUN
cblr-2966	973	92	of	of	ADP
cblr-2966	973	93	ethnicity	ethnicity	NOUN
cblr-2966	973	94	by	by	ADP
cblr-2966	973	95	type	type	NOUN
cblr-2966	973	96	of	of	ADP
cblr-2966	973	97	loan	loan	NOUN
cblr-2966	973	98	percent	percent	NOUN
cblr-2966	973	99	of	of	ADP
cblr-2966	973	100	total	total	ADJ
cblr-2966	973	101	high	high	ADJ
cblr-2966	973	102	cost	cost	NOUN
cblr-2966	973	103	loans	loan	NOUN
cblr-2966	973	104	hoepa	hoepa	NOUN
cblr-2966	973	105	loans	loan	NOUN
cblr-2966	973	106	all	all	DET
cblr-2966	973	107	other	other	ADJ
cblr-2966	973	108	loans	loan	NOUN
cblr-2966	973	109	african	african	ADJ
cblr-2966	973	110	-	-	PUNCT
cblr-2966	973	111	american	american	ADJ
cblr-2966	973	112	15.87	15.87	NUM
cblr-2966	973	113	10.37	10.37	NUM
cblr-2966	973	114	6.08	6.08	NUM
cblr-2966	973	115	hispanic	hispanic	NOUN
cblr-2966	973	116	18.03	18.03	NUM
cblr-2966	973	117	7.41	7.41	NUM
cblr-2966	973	118	9.72	9.72	NUM
cblr-2966	973	119	asian	asian	ADJ
cblr-2966	973	120	2.60	2.60	NUM
cblr-2966	973	121	1.01	1.01	NUM
cblr-2966	973	122	4.26	4.26	NUM
cblr-2966	973	123	all	all	DET
cblr-2966	973	124	minorities	minority	NOUN
cblr-2966	973	125	36.13	36.13	NUM
cblr-2966	973	126	18.61	18.61	NUM
cblr-2966	973	127	19.87	19.87	NUM
cblr-2966	973	128	white	white	ADJ
cblr-2966	973	129	63.87	63.87	NUM
cblr-2966	973	130	81.40	81.40	NUM
cblr-2966	973	131	80.12	80.12	NUM
cblr-2966	973	132	col	col	PROPN
cblr-2966	973	133	umbia	umbia	PROPN
cblr-2966	973	134	b	b	PROPN
cblr-2966	974	1	usiness	usiness	PROPN
cblr-2966	974	2	la	la	PROPN
cblr-2966	974	3	w	w	PROPN
cblr-2966	974	4	re	re	PROPN
cblr-2966	974	5	vie	vie	PROPN
cblr-2966	974	6	w	w	PROPN
cblr-2966	975	1	[	[	X
cblr-2966	975	2	vol	vol	NOUN
cblr-2966	975	3	.	.	NOUN
cblr-2966	975	4	2008	2008	NUM
cblr-2966	975	5	rethinking	rethink	VERB
cblr-2966	975	6	assignee	assignee	NOUN
cblr-2966	975	7	liability	liability	NOUN
cblr-2966	975	8	table	table	NOUN
cblr-2966	975	9	5	5	NUM
cblr-2966	975	10	:	:	PUNCT
cblr-2966	975	11	income	income	NOUN
cblr-2966	975	12	by	by	ADP
cblr-2966	975	13	type	type	NOUN
cblr-2966	975	14	of	of	ADP
cblr-2966	975	15	loan	loan	NOUN
cblr-2966	975	16	high	high	ADJ
cblr-2966	975	17	cost	cost	NOUN
cblr-2966	975	18	hoepa	hoepa	NOUN
cblr-2966	975	19	loans	loan	NOUN
cblr-2966	975	20	all	all	DET
cblr-2966	975	21	other	other	ADJ
cblr-2966	975	22	loans	loan	NOUN
cblr-2966	975	23	loans	loan	NOUN
cblr-2966	975	24	income<25000	income<25000	VERB
cblr-2966	975	25	4.87	4.87	NUM
cblr-2966	975	26	11.31	11.31	NUM
cblr-2966	975	27	3.33	3.33	NUM
cblr-2966	975	28	income<50000	income<50000	PROPN
cblr-2966	975	29	28.80	28.80	NUM
cblr-2966	975	30	35.34	35.34	NUM
cblr-2966	975	31	22.78	22.78	NUM
cblr-2966	975	32	income>50000	income>50000	PROPN
cblr-2966	975	33	66.34	66.34	NUM
cblr-2966	975	34	53.35	53.35	NUM
cblr-2966	975	35	73.89	73.89	NUM
cblr-2966	975	36	table	table	NOUN
cblr-2966	975	37	6	6	NUM
cblr-2966	975	38	:	:	PUNCT
cblr-2966	975	39	percent	percent	NOUN
cblr-2966	975	40	of	of	ADP
cblr-2966	975	41	loans	loan	NOUN
cblr-2966	975	42	securitized	securitize	VERB
cblr-2966	975	43	(	(	PUNCT
cblr-2966	975	44	in	in	ADP
cblr-2966	975	45	same	same	ADJ
cblr-2966	975	46	year	year	NOUN
cblr-2966	975	47	of	of	ADP
cblr-2966	975	48	origination	origination	NOUN
cblr-2966	975	49	)	)	PUNCT
cblr-2966	975	50	2004	2004	NUM
cblr-2966	975	51	2005	2005	NUM
cblr-2966	975	52	2006	2006	NUM
cblr-2966	975	53	high	high	ADJ
cblr-2966	975	54	cost	cost	NOUN
cblr-2966	975	55	loans	loan	NOUN
cblr-2966	975	56	68.22	68.22	NUM
cblr-2966	975	57	72.10	72.10	NUM
cblr-2966	975	58	72.66	72.66	NUM
cblr-2966	975	59	hoepa	hoepa	NOUN
cblr-2966	975	60	loans	loan	NOUN
cblr-2966	975	61	27.33	27.33	NUM
cblr-2966	975	62	61.82	61.82	NUM
cblr-2966	975	63	10.23	10.23	NUM
cblr-2966	975	64	all	all	DET
cblr-2966	975	65	loans	loan	NOUN
cblr-2966	975	66	72.79	72.79	NUM
cblr-2966	975	67	69.94	69.94	NUM
cblr-2966	975	68	64.81	64.81	NUM
cblr-2966	975	69	table	table	NOUN
cblr-2966	975	70	7	7	NUM
cblr-2966	975	71	:	:	PUNCT
cblr-2966	975	72	rate	rate	NOUN
cblr-2966	975	73	spread	spread	NOUN
cblr-2966	975	74	(	(	PUNCT
cblr-2966	975	75	point	point	NOUN
cblr-2966	975	76	above	above	ADP
cblr-2966	975	77	comparable	comparable	ADJ
cblr-2966	975	78	u.s	u.s	PROPN
cblr-2966	975	79	.	.	PROPN
cblr-2966	975	80	treasury	treasury	PROPN
cblr-2966	975	81	bond	bond	PROPN
cblr-2966	975	82	)	)	PUNCT
cblr-2966	975	83	2004	2004	NUM
cblr-2966	975	84	2005	2005	NUM
cblr-2966	975	85	2006	2006	NUM
cblr-2966	975	86	4.71	4.71	NUM
cblr-2966	975	87	5.19	5.19	NUM
cblr-2966	975	88	5.35(1.61	5.35(1.61	NUM
cblr-2966	975	89	)	)	PUNCT
cblr-2966	975	90	(	(	PUNCT
cblr-2966	975	91	1.60	1.60	NUM
cblr-2966	975	92	)	)	PUNCT
cblr-2966	975	93	(	(	PUNCT
cblr-2966	975	94	1.66	1.66	NUM
cblr-2966	975	95	)	)	PUNCT
cblr-2966	975	96	4.68	4.68	NUM
cblr-2966	975	97	5.26	5.26	NUM
cblr-2966	975	98	5.64	5.64	NUM
cblr-2966	975	99	(	(	PUNCT
cblr-2966	975	100	1.51	1.51	NUM
cblr-2966	975	101	)	)	PUNCT
cblr-2966	975	102	(	(	PUNCT
cblr-2966	975	103	1.51	1.51	NUM
cblr-2966	975	104	)	)	PUNCT
cblr-2966	975	105	(	(	PUNCT
cblr-2966	975	106	1.63	1.63	NUM
cblr-2966	975	107	)	)	PUNCT
cblr-2966	975	108	4.78	4.78	NUM
cblr-2966	975	109	5.27	5.27	NUM
cblr-2966	975	110	5.72	5.72	NUM
cblr-2966	975	111	(	(	PUNCT
cblr-2966	975	112	1.60	1.60	NUM
cblr-2966	975	113	)	)	PUNCT
cblr-2966	975	114	(	(	PUNCT
cblr-2966	975	115	1.47	1.47	NUM
cblr-2966	975	116	)	)	PUNCT
cblr-2966	975	117	(	(	PUNCT
cblr-2966	975	118	1.62	1.62	NUM
cblr-2966	975	119	)	)	PUNCT
cblr-2966	975	120	4.72	4.72	NUM
cblr-2966	975	121	5.37	5.37	NUM
cblr-2966	975	122	5.90	5.90	NUM
cblr-2966	975	123	(	(	PUNCT
cblr-2966	975	124	1.50	1.50	NUM
cblr-2966	975	125	)	)	PUNCT
cblr-2966	975	126	(	(	PUNCT
cblr-2966	975	127	1.46	1.46	NUM
cblr-2966	975	128	)	)	PUNCT
cblr-2966	975	129	(	(	PUNCT
cblr-2966	975	130	1.59	1.59	NUM
cblr-2966	975	131	)	)	PUNCT
cblr-2966	975	132	4.77	4.77	NUM
cblr-2966	975	133	5.23	5.23	NUM
cblr-2966	975	134	5.77	5.77	NUM
cblr-2966	975	135	hispanic	hispanic	NOUN
cblr-2966	975	136	(	(	PUNCT
cblr-2966	975	137	1.55	1.55	NUM
cblr-2966	975	138	)	)	PUNCT
cblr-2966	975	139	(	(	PUNCT
cblr-2966	975	140	1.32	1.32	NUM
cblr-2966	975	141	)	)	PUNCT
cblr-2966	975	142	(	(	PUNCT
cblr-2966	975	143	1.47	1.47	NUM
cblr-2966	975	144	)	)	PUNCT
cblr-2966	975	145	4.76	4.76	NUM
cblr-2966	975	146	5.23	5.23	NUM
cblr-2966	975	147	5.62	5.62	NUM
cblr-2966	975	148	(	(	PUNCT
cblr-2966	975	149	1.48	1.48	NUM
cblr-2966	975	150	)	)	PUNCT
cblr-2966	975	151	(	(	PUNCT
cblr-2966	975	152	1.33	1.33	NUM
cblr-2966	975	153	)	)	PUNCT
cblr-2966	975	154	(	(	PUNCT
cblr-2966	975	155	1.54	1.54	NUM
cblr-2966	975	156	)	)	PUNCT
cblr-2966	975	157	4.74	4.74	NUM
cblr-2966	975	158	5.25	5.25	NUM
cblr-2966	975	159	5.60	5.60	NUM
cblr-2966	975	160	(	(	PUNCT
cblr-2966	975	161	1.59	1.59	NUM
cblr-2966	975	162	)	)	PUNCT
cblr-2966	975	163	(	(	PUNCT
cblr-2966	975	164	1.55	1.55	NUM
cblr-2966	975	165	)	)	PUNCT
cblr-2966	975	166	(	(	PUNCT
cblr-2966	975	167	1.68	1.68	NUM
cblr-2966	975	168	)	)	PUNCT
cblr-2966	975	169	state	state	NOUN
cblr-2966	975	170	with	with	ADP
cblr-2966	975	171	assignee	assignee	NOUN
cblr-2966	975	172	4.69	4.69	NUM
cblr-2966	975	173	5.28	5.28	NUM
cblr-2966	975	174	5.69	5.69	NUM
cblr-2966	975	175	liability	liability	NOUN
cblr-2966	975	176	(	(	PUNCT
cblr-2966	975	177	1.55	1.55	NUM
cblr-2966	975	178	)	)	PUNCT
cblr-2966	975	179	(	(	PUNCT
cblr-2966	975	180	1.52	1.52	NUM
cblr-2966	975	181	)	)	PUNCT
cblr-2966	975	182	(	(	PUNCT
cblr-2966	975	183	1.65	1.65	NUM
cblr-2966	975	184	)	)	PUNCT
cblr-2966	975	185	state	state	NOUN
cblr-2966	975	186	with	with	ADP
cblr-2966	975	187	4.74	4.74	NUM
cblr-2966	975	188	5.23	5.23	NUM
cblr-2966	975	189	5.66	5.66	NUM
cblr-2966	975	190	predatory	predatory	ADJ
cblr-2966	975	191	lending	lending	NOUN
cblr-2966	975	192	(	(	PUNCT
cblr-2966	975	193	1.53	1.53	NUM
cblr-2966	975	194	)	)	PUNCT
cblr-2966	975	195	(	(	PUNCT
cblr-2966	975	196	1.44	1.44	NUM
cblr-2966	975	197	)	)	PUNCT
cblr-2966	975	198	(	(	PUNCT
cblr-2966	975	199	1.58	1.58	NUM
cblr-2966	975	200	)	)	PUNCT
cblr-2966	975	201	no	no	INTJ
cblr-2966	975	202	.	.	PUNCT
cblr-2966	976	1	3:1021	3:1021	NUM
cblr-2966	976	2	]	]	PUNCT
cblr-2966	976	3	table	table	NOUN
cblr-2966	976	4	8	8	NUM
cblr-2966	976	5	:	:	PUNCT
cblr-2966	976	6	percentage	percentage	NOUN
cblr-2966	976	7	chance	chance	NOUN
cblr-2966	976	8	of	of	ADP
cblr-2966	976	9	denial	denial	NOUN
cblr-2966	976	10	of	of	ADP
cblr-2966	976	11	an	an	DET
cblr-2966	976	12	application	application	NOUN
cblr-2966	976	13	2004	2004	NUM
cblr-2966	976	14	2005	2005	NUM
cblr-2966	976	15	2006	2006	NUM
cblr-2966	976	16	income<25000	income<25000	PROPN
cblr-2966	976	17	39.42	39.42	NUM
cblr-2966	976	18	40.08	40.08	NUM
cblr-2966	976	19	39.17	39.17	NUM
cblr-2966	976	20	income<50000	income<50000	PRON
cblr-2966	976	21	24.33	24.33	NUM
cblr-2966	976	22	25.75	25.75	NUM
cblr-2966	976	23	26.79	26.79	NUM
cblr-2966	976	24	income>50000	income>50000	PROPN
cblr-2966	976	25	13.13	13.13	NUM
cblr-2966	976	26	14.06	14.06	NUM
cblr-2966	976	27	15.55	15.55	NUM
cblr-2966	976	28	african	african	ADJ
cblr-2966	976	29	-	-	PUNCT
cblr-2966	976	30	american	american	ADJ
cblr-2966	976	31	28.69	28.69	NUM
cblr-2966	976	32	28.98	28.98	NUM
cblr-2966	976	33	31.15	31.15	NUM
cblr-2966	976	34	hispanic	hispanic	NOUN
cblr-2966	976	35	21.60	21.60	NUM
cblr-2966	976	36	21.60	21.60	NUM
cblr-2966	976	37	24.78	24.78	NUM
cblr-2966	976	38	asian	asian	PROPN
cblr-2966	976	39	13.22	13.22	NUM
cblr-2966	976	40	14.86	14.86	NUM
cblr-2966	976	41	17.10	17.10	NUM
cblr-2966	976	42	white	white	ADJ
cblr-2966	976	43	15.98	15.98	NUM
cblr-2966	976	44	16.91	16.91	NUM
cblr-2966	976	45	16.85	16.85	NUM
cblr-2966	976	46	average	average	ADJ
cblr-2966	976	47	chance	chance	NOUN
cblr-2966	976	48	17.53	17.53	NUM
cblr-2966	976	49	18.40	18.40	NUM
cblr-2966	976	50	19.09	19.09	NUM
cblr-2966	976	51	table	table	NOUN
cblr-2966	976	52	9	9	NUM
cblr-2966	976	53	:	:	PUNCT
cblr-2966	976	54	unmatched	unmatched	ADJ
cblr-2966	976	55	census	census	NOUN
cblr-2966	976	56	tract	tract	NOUN
cblr-2966	976	57	comparison	comparison	NOUN
cblr-2966	976	58	,	,	PUNCT
cblr-2966	976	59	means	mean	VERB
cblr-2966	976	60	2004	2004	NUM
cblr-2966	976	61	2005	2005	NUM
cblr-2966	976	62	2006	2006	NUM
cblr-2966	976	63	2004	2004	NUM
cblr-2966	976	64	2005	2005	NUM
cblr-2966	976	65	2006	2006	NUM
cblr-2966	976	66	assignee	assignee	NOUN
cblr-2966	976	67	liability	liability	NOUN
cblr-2966	976	68	law	law	NOUN
cblr-2966	976	69	no	no	DET
cblr-2966	976	70	assignee	assignee	NOUN
cblr-2966	976	71	liability	liability	NOUN
cblr-2966	976	72	population	population	NOUN
cblr-2966	976	73	:	:	PUNCT
cblr-2966	976	74	4422	4422	NUM
cblr-2966	976	75	4264	4264	NUM
cblr-2966	976	76	4373	4373	NUM
cblr-2966	976	77	4514	4514	NUM
cblr-2966	976	78	4401	4401	NUM
cblr-2966	976	79	4404	4404	NUM
cblr-2966	976	80	(	(	PUNCT
cblr-2966	976	81	in	in	ADP
cblr-2966	976	82	(	(	PUNCT
cblr-2966	976	83	2216	2216	NUM
cblr-2966	976	84	)	)	PUNCT
cblr-2966	976	85	(	(	PUNCT
cblr-2966	976	86	2151	2151	NUM
cblr-2966	976	87	)	)	PUNCT
cblr-2966	976	88	(	(	PUNCT
cblr-2966	976	89	2148	2148	NUM
cblr-2966	976	90	)	)	PUNCT
cblr-2966	976	91	(	(	PUNCT
cblr-2966	976	92	2098	2098	NUM
cblr-2966	976	93	)	)	PUNCT
cblr-2966	976	94	(	(	PUNCT
cblr-2966	976	95	2038	2038	NUM
cblr-2966	976	96	)	)	PUNCT
cblr-2966	976	97	(	(	PUNCT
cblr-2966	976	98	2039)thousands	2039)thousands	NUM
cblr-2966	976	99	)	)	PUNCT
cblr-2966	976	100	percent	percent	NOUN
cblr-2966	976	101	32.03	32.03	NUM
cblr-2966	976	102	29.32	29.32	NUM
cblr-2966	976	103	29.33	29.33	NUM
cblr-2966	976	104	35.37	35.37	NUM
cblr-2966	976	105	31.69	31.69	NUM
cblr-2966	976	106	31.62	31.62	NUM
cblr-2966	976	107	minority	minority	NOUN
cblr-2966	976	108	(	(	PUNCT
cblr-2966	976	109	30.72	30.72	NUM
cblr-2966	976	110	)	)	PUNCT
cblr-2966	976	111	(	(	PUNCT
cblr-2966	976	112	29.69	29.69	NUM
cblr-2966	976	113	)	)	PUNCT
cblr-2966	976	114	(	(	PUNCT
cblr-2966	976	115	29.71	29.71	NUM
cblr-2966	976	116	)	)	PUNCT
cblr-2966	976	117	(	(	PUNCT
cblr-2966	976	118	30.95	30.95	NUM
cblr-2966	976	119	)	)	PUNCT
cblr-2966	976	120	(	(	PUNCT
cblr-2966	976	121	30.32	30.32	NUM
cblr-2966	976	122	)	)	PUNCT
cblr-2966	976	123	(	(	PUNCT
cblr-2966	976	124	30.26	30.26	NUM
cblr-2966	976	125	)	)	PUNCT
cblr-2966	976	126	median	median	NOUN
cblr-2966	976	127	61678	61678	NUM
cblr-2966	976	128	59745	59745	NUM
cblr-2966	976	129	61242	61242	NUM
cblr-2966	976	130	61237	61237	NUM
cblr-2966	976	131	59272	59272	NUM
cblr-2966	976	132	60846	60846	NUM
cblr-2966	976	133	income	income	NOUN
cblr-2966	976	134	(	(	PUNCT
cblr-2966	976	135	10533	10533	NUM
cblr-2966	976	136	)	)	PUNCT
cblr-2966	976	137	(	(	PUNCT
cblr-2966	976	138	11809	11809	NUM
cblr-2966	976	139	)	)	PUNCT
cblr-2966	976	140	(	(	PUNCT
cblr-2966	976	141	12454	12454	NUM
cblr-2966	976	142	)	)	PUNCT
cblr-2966	976	143	(	(	PUNCT
cblr-2966	976	144	10957	10957	NUM
cblr-2966	976	145	)	)	PUNCT
cblr-2966	976	146	(	(	PUNCT
cblr-2966	976	147	12100	12100	NUM
cblr-2966	976	148	)	)	PUNCT
cblr-2966	976	149	(	(	PUNCT
cblr-2966	976	150	12374	12374	NUM
cblr-2966	976	151	)	)	PUNCT
cblr-2966	976	152	percent	percent	NOUN
cblr-2966	976	153	of	of	ADP
cblr-2966	976	154	101.41	101.41	NUM
cblr-2966	976	155	101.02	101.02	NUM
cblr-2966	976	156	101.05	101.05	NUM
cblr-2966	976	157	102.28	102.28	NUM
cblr-2966	976	158	101.62	101.62	NUM
cblr-2966	976	159	101.60	101.60	NUM
cblr-2966	976	160	metropolitan	metropolitan	NOUN
cblr-2966	976	161	(	(	PUNCT
cblr-2966	976	162	42.14	42.14	NUM
cblr-2966	976	163	)	)	PUNCT
cblr-2966	976	164	(	(	PUNCT
cblr-2966	976	165	39.44	39.44	NUM
cblr-2966	976	166	)	)	PUNCT
cblr-2966	976	167	(	(	PUNCT
cblr-2966	976	168	39.31	39.31	NUM
cblr-2966	976	169	)	)	PUNCT
cblr-2966	976	170	(	(	PUNCT
cblr-2966	976	171	41.29	41.29	NUM
cblr-2966	976	172	)	)	PUNCT
cblr-2966	976	173	(	(	PUNCT
cblr-2966	976	174	37.92	37.92	NUM
cblr-2966	976	175	)	)	PUNCT
cblr-2966	976	176	(	(	PUNCT
cblr-2966	976	177	37.75	37.75	NUM
cblr-2966	976	178	)	)	PUNCT
cblr-2966	976	179	income	income	NOUN
cblr-2966	976	180	#	#	NOUN
cblr-2966	976	181	of	of	ADP
cblr-2966	976	182	owner	owner	NOUN
cblr-2966	976	183	1101	1101	NUM
cblr-2966	976	184	1114	1114	NUM
cblr-2966	976	185	1116	1116	NUM
cblr-2966	976	186	1076	1076	NUM
cblr-2966	976	187	1085	1085	NUM
cblr-2966	976	188	1086	1086	NUM
cblr-2966	976	189	occupied	occupy	VERB
cblr-2966	976	190	(	(	PUNCT
cblr-2966	976	191	713	713	NUM
cblr-2966	976	192	)	)	PUNCT
cblr-2966	976	193	(	(	PUNCT
cblr-2966	976	194	687	687	NUM
cblr-2966	976	195	)	)	PUNCT
cblr-2966	976	196	(	(	PUNCT
cblr-2966	976	197	687	687	NUM
cblr-2966	976	198	)	)	PUNCT
cblr-2966	976	199	(	(	PUNCT
cblr-2966	976	200	628	628	NUM
cblr-2966	976	201	)	)	PUNCT
cblr-2966	976	202	(	(	PUNCT
cblr-2966	976	203	604	604	NUM
cblr-2966	976	204	)	)	PUNCT
cblr-2966	976	205	(	(	PUNCT
cblr-2966	976	206	604	604	NUM
cblr-2966	976	207	)	)	PUNCT
cblr-2966	976	208	units	unit	NOUN
cblr-2966	976	209	number	number	NOUN
cblr-2966	976	210	of	of	ADP
cblr-2966	976	211	1	1	NUM
cblr-2966	976	212	1457	1457	NUM
cblr-2966	976	213	1511	1511	NUM
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cblr-2966	981	171	*	*	PUNCT
cblr-2966	981	172	(	(	PUNCT
cblr-2966	981	173	0.063	0.063	NUM
cblr-2966	981	174	)	)	PUNCT
cblr-2966	981	175	-0.033	-0.033	NOUN
cblr-2966	981	176	*	*	PUNCT
cblr-2966	981	177	*	*	PUNCT
cblr-2966	981	178	*	*	PUNCT
cblr-2966	981	179	-0.032	-0.032	PUNCT
cblr-2966	981	180	*	*	PUNCT
cblr-2966	981	181	*	*	PUNCT
cblr-2966	981	182	*	*	PUNCT
cblr-2966	981	183	-0.032	-0.032	PUNCT
cblr-2966	981	184	*	*	PUNCT
cblr-2966	981	185	*	*	PUNCT
cblr-2966	981	186	*	*	PUNCT
cblr-2966	981	187	-0.032	-0.032	PUNCT
cblr-2966	981	188	*	*	PUNCT
cblr-2966	981	189	*	*	PUNCT
cblr-2966	981	190	*	*	PUNCT
cblr-2966	981	191	(	(	PUNCT
cblr-2966	981	192	0.005	0.005	NUM
cblr-2966	981	193	)	)	PUNCT
cblr-2966	981	194	(	(	PUNCT
cblr-2966	981	195	0.005	0.005	NUM
cblr-2966	981	196	)	)	PUNCT
cblr-2966	981	197	(	(	PUNCT
cblr-2966	981	198	0.005	0.005	NUM
cblr-2966	981	199	)	)	PUNCT
cblr-2966	981	200	(	(	PUNCT
cblr-2966	981	201	0.005	0.005	NUM
cblr-2966	981	202	)	)	PUNCT
cblr-2966	981	203	0.028	0.028	NUM
cblr-2966	981	204	*	*	PUNCT
cblr-2966	981	205	*	*	PUNCT
cblr-2966	981	206	*	*	PUNCT
cblr-2966	981	207	0.028	0.028	NUM
cblr-2966	981	208	*	*	PUNCT
cblr-2966	981	209	*	*	PUNCT
cblr-2966	981	210	*	*	PUNCT
cblr-2966	981	211	0.028	0.028	NUM
cblr-2966	981	212	*	*	PUNCT
cblr-2966	981	213	*	*	PUNCT
cblr-2966	981	214	*	*	PUNCT
cblr-2966	981	215	0.028	0.028	NUM
cblr-2966	981	216	*	*	NOUN
cblr-2966	981	217	*	*	PUNCT
cblr-2966	981	218	*	*	PUNCT
cblr-2966	981	219	(	(	PUNCT
cblr-2966	981	220	0.007	0.007	NUM
cblr-2966	981	221	)	)	PUNCT
cblr-2966	981	222	(	(	PUNCT
cblr-2966	981	223	0.007	0.007	NUM
cblr-2966	981	224	)	)	PUNCT
cblr-2966	981	225	(	(	PUNCT
cblr-2966	981	226	0.007	0.007	NUM
cblr-2966	981	227	)	)	PUNCT
cblr-2966	981	228	(	(	PUNCT
cblr-2966	981	229	0.007	0.007	NUM
cblr-2966	981	230	)	)	PUNCT
cblr-2966	981	231	0.218	0.218	NUM
cblr-2966	981	232	*	*	PUNCT
cblr-2966	981	233	*	*	PUNCT
cblr-2966	981	234	*	*	PUNCT
cblr-2966	981	235	0.218	0.218	NUM
cblr-2966	981	236	*	*	PUNCT
cblr-2966	981	237	*	*	PUNCT
cblr-2966	981	238	*	*	PUNCT
cblr-2966	981	239	0.218	0.218	NUM
cblr-2966	981	240	*	*	PUNCT
cblr-2966	981	241	*	*	PUNCT
cblr-2966	981	242	*	*	PUNCT
cblr-2966	981	243	0.218	0.218	NUM
cblr-2966	981	244	*	*	PUNCT
cblr-2966	981	245	*	*	PUNCT
cblr-2966	981	246	*	*	PUNCT
cblr-2966	981	247	(	(	PUNCT
cblr-2966	981	248	0.007	0.007	NUM
cblr-2966	981	249	)	)	PUNCT
cblr-2966	981	250	(	(	PUNCT
cblr-2966	981	251	0.007	0.007	NUM
cblr-2966	981	252	)	)	PUNCT
cblr-2966	981	253	(	(	PUNCT
cblr-2966	981	254	0.007	0.007	NUM
cblr-2966	981	255	)	)	PUNCT
cblr-2966	981	256	(	(	PUNCT
cblr-2966	981	257	0.007	0.007	NUM
cblr-2966	981	258	)	)	PUNCT
cblr-2966	981	259	-0.051	-0.051	NOUN
cblr-2966	981	260	*	*	PUNCT
cblr-2966	981	261	*	*	PUNCT
cblr-2966	981	262	*	*	PUNCT
cblr-2966	981	263	-0.051	-0.051	PROPN
cblr-2966	981	264	*	*	PUNCT
cblr-2966	981	265	*	*	PUNCT
cblr-2966	981	266	*	*	PUNCT
cblr-2966	981	267	-0.051	-0.051	ADJ
cblr-2966	981	268	"	"	PUNCT
cblr-2966	981	269	*	*	PUNCT
cblr-2966	981	270	*	*	PUNCT
cblr-2966	981	271	-0.051	-0.051	PROPN
cblr-2966	981	272	*	*	PUNCT
cblr-2966	981	273	*	*	PUNCT
cblr-2966	981	274	*	*	PUNCT
cblr-2966	981	275	(	(	PUNCT
cblr-2966	981	276	0.013	0.013	NUM
cblr-2966	981	277	)	)	PUNCT
cblr-2966	981	278	(	(	PUNCT
cblr-2966	981	279	0.013	0.013	NUM
cblr-2966	981	280	)	)	PUNCT
cblr-2966	981	281	(	(	PUNCT
cblr-2966	981	282	0.013	0.013	NUM
cblr-2966	981	283	)	)	PUNCT
cblr-2966	981	284	(	(	PUNCT
cblr-2966	981	285	0.013	0.013	NUM
cblr-2966	981	286	)	)	PUNCT
cblr-2966	981	287	-0.000	-0.000	PUNCT
cblr-2966	982	1	*	*	PUNCT
cblr-2966	982	2	*	*	PUNCT
cblr-2966	982	3	*	*	PUNCT
cblr-2966	982	4	-0.000	-0.000	PUNCT
cblr-2966	982	5	*	*	PUNCT
cblr-2966	982	6	*	*	PUNCT
cblr-2966	982	7	*	*	PUNCT
cblr-2966	982	8	-0.000	-0.000	PUNCT
cblr-2966	982	9	*	*	PUNCT
cblr-2966	982	10	*	*	PUNCT
cblr-2966	982	11	*	*	PUNCT
cblr-2966	982	12	-0.000	-0.000	PUNCT
cblr-2966	982	13	*	*	PUNCT
cblr-2966	982	14	*	*	PUNCT
cblr-2966	982	15	*	*	PUNCT
cblr-2966	982	16	(	(	PUNCT
cblr-2966	982	17	0.000	0.000	NUM
cblr-2966	982	18	)	)	PUNCT
cblr-2966	982	19	(	(	PUNCT
cblr-2966	982	20	0.000	0.000	NUM
cblr-2966	982	21	)	)	PUNCT
cblr-2966	982	22	(	(	PUNCT
cblr-2966	982	23	0.000	0.000	NUM
cblr-2966	982	24	)	)	PUNCT
cblr-2966	982	25	(	(	PUNCT
cblr-2966	982	26	0.000	0.000	NUM
cblr-2966	982	27	)	)	PUNCT
cblr-2966	982	28	-0.001	-0.001	PUNCT
cblr-2966	983	1	*	*	PUNCT
cblr-2966	983	2	*	*	PUNCT
cblr-2966	983	3	*	*	PUNCT
cblr-2966	983	4	-0.001	-0.001	PUNCT
cblr-2966	984	1	*	*	PUNCT
cblr-2966	984	2	*	*	PUNCT
cblr-2966	984	3	*	*	PUNCT
cblr-2966	984	4	-0.001	-0.001	PUNCT
cblr-2966	985	1	*	*	PUNCT
cblr-2966	985	2	*	*	PUNCT
cblr-2966	985	3	*	*	PUNCT
cblr-2966	985	4	-0.001	-0.001	PUNCT
cblr-2966	986	1	*	*	PUNCT
cblr-2966	986	2	*	*	PUNCT
cblr-2966	986	3	*	*	PUNCT
cblr-2966	986	4	(	(	PUNCT
cblr-2966	986	5	0.000	0.000	NUM
cblr-2966	986	6	)	)	PUNCT
cblr-2966	986	7	(	(	PUNCT
cblr-2966	986	8	0.000	0.000	NUM
cblr-2966	986	9	)	)	PUNCT
cblr-2966	986	10	(	(	PUNCT
cblr-2966	986	11	0.000	0.000	NUM
cblr-2966	986	12	)	)	PUNCT
cblr-2966	986	13	(	(	PUNCT
cblr-2966	986	14	0.000	0.000	NUM
cblr-2966	986	15	)	)	PUNCT
cblr-2966	986	16	0.001	0.001	NUM
cblr-2966	986	17	*	*	PUNCT
cblr-2966	986	18	*	*	PUNCT
cblr-2966	986	19	*	*	PUNCT
cblr-2966	986	20	0.001	0.001	NUM
cblr-2966	986	21	*	*	NOUN
cblr-2966	986	22	*	*	NOUN
cblr-2966	986	23	0.001	0.001	NUM
cblr-2966	986	24	*	*	PUNCT
cblr-2966	986	25	*	*	PUNCT
cblr-2966	986	26	*	*	NOUN
cblr-2966	986	27	0.001	0.001	NUM
cblr-2966	986	28	*	*	PUNCT
cblr-2966	986	29	*	*	PUNCT
cblr-2966	986	30	*	*	PUNCT
cblr-2966	986	31	(	(	PUNCT
cblr-2966	986	32	0.000	0.000	NUM
cblr-2966	986	33	)	)	PUNCT
cblr-2966	986	34	(	(	PUNCT
cblr-2966	986	35	0.000	0.000	NUM
cblr-2966	986	36	)	)	PUNCT
cblr-2966	986	37	(	(	PUNCT
cblr-2966	986	38	0.000	0.000	NUM
cblr-2966	986	39	)	)	PUNCT
cblr-2966	986	40	(	(	PUNCT
cblr-2966	986	41	0.000	0.000	NUM
cblr-2966	986	42	)	)	PUNCT
cblr-2966	986	43	-0.000	-0.000	PUNCT
cblr-2966	987	1	*	*	PUNCT
cblr-2966	987	2	*	*	PUNCT
cblr-2966	987	3	*	*	PUNCT
cblr-2966	987	4	-0.000	-0.000	PUNCT
cblr-2966	987	5	*	*	PUNCT
cblr-2966	987	6	*	*	PUNCT
cblr-2966	987	7	*	*	PUNCT
cblr-2966	987	8	-0.000	-0.000	PUNCT
cblr-2966	987	9	*	*	PUNCT
cblr-2966	987	10	*	*	PUNCT
cblr-2966	987	11	*	*	PUNCT
cblr-2966	987	12	-0.000	-0.000	PUNCT
cblr-2966	987	13	*	*	PUNCT
cblr-2966	987	14	*	*	PUNCT
cblr-2966	987	15	*	*	PUNCT
cblr-2966	987	16	(	(	PUNCT
cblr-2966	987	17	0.000	0.000	NUM
cblr-2966	987	18	)	)	PUNCT
cblr-2966	987	19	(	(	PUNCT
cblr-2966	987	20	0.000	0.000	NUM
cblr-2966	987	21	)	)	PUNCT
cblr-2966	987	22	(	(	PUNCT
cblr-2966	987	23	0.000	0.000	NUM
cblr-2966	987	24	)	)	PUNCT
cblr-2966	987	25	(	(	PUNCT
cblr-2966	987	26	0.000	0.000	NUM
cblr-2966	987	27	)	)	PUNCT
cblr-2966	987	28	0.098	0.098	NUM
cblr-2966	988	1	*	*	PUNCT
cblr-2966	988	2	*	*	PUNCT
cblr-2966	989	1	*	*	PUNCT
cblr-2966	989	2	0.098	0.098	NUM
cblr-2966	989	3	*	*	PUNCT
cblr-2966	989	4	*	*	PUNCT
cblr-2966	989	5	*	*	PUNCT
cblr-2966	989	6	(	(	PUNCT
cblr-2966	989	7	0.034	0.034	NUM
cblr-2966	989	8	)	)	PUNCT
cblr-2966	989	9	(	(	PUNCT
cblr-2966	989	10	0.034	0.034	NUM
cblr-2966	989	11	)	)	PUNCT
cblr-2966	989	12	-0.079	-0.079	PUNCT
cblr-2966	990	1	*	*	PUNCT
cblr-2966	990	2	*	*	PUNCT
cblr-2966	990	3	*	*	PUNCT
cblr-2966	990	4	-0.079	-0.079	PUNCT
cblr-2966	990	5	*	*	PUNCT
cblr-2966	990	6	*	*	PUNCT
cblr-2966	990	7	*	*	PUNCT
cblr-2966	990	8	-0.079	-0.079	PUNCT
cblr-2966	990	9	*	*	PUNCT
cblr-2966	990	10	*	*	PUNCT
cblr-2966	990	11	*	*	PUNCT
cblr-2966	990	12	(	(	PUNCT
cblr-2966	990	13	0.025	0.025	NUM
cblr-2966	990	14	)	)	PUNCT
cblr-2966	990	15	(	(	PUNCT
cblr-2966	990	16	0.025	0.025	NUM
cblr-2966	990	17	)	)	PUNCT
cblr-2966	990	18	(	(	PUNCT
cblr-2966	990	19	0.025	0.025	NUM
cblr-2966	990	20	)	)	PUNCT
cblr-2966	990	21	-0.002	-0.002	PUNCT
cblr-2966	990	22	*	*	PUNCT
cblr-2966	990	23	*	*	PUNCT
cblr-2966	990	24	*	*	NOUN
cblr-2966	990	25	0.009	0.009	NUM
cblr-2966	990	26	*	*	NOUN
cblr-2966	990	27	*	*	PUNCT
cblr-2966	990	28	(	(	PUNCT
cblr-2966	990	29	0.000	0.000	NUM
cblr-2966	990	30	)	)	PUNCT
cblr-2966	990	31	(	(	PUNCT
cblr-2966	990	32	0.004	0.004	NUM
cblr-2966	990	33	)	)	PUNCT
cblr-2966	990	34	-0.364	-0.364	NOUN
cblr-2966	990	35	*	*	PUNCT
cblr-2966	990	36	*	*	PUNCT
cblr-2966	990	37	*	*	PUNCT
cblr-2966	990	38	-0.364	-0.364	X
cblr-2966	990	39	*	*	PUNCT
cblr-2966	990	40	*	*	PUNCT
cblr-2966	990	41	*	*	PUNCT
cblr-2966	990	42	(	(	PUNCT
cblr-2966	990	43	0.047	0.047	NUM
cblr-2966	990	44	)	)	PUNCT
cblr-2966	990	45	(	(	PUNCT
cblr-2966	990	46	0.047	0.047	NUM
cblr-2966	990	47	)	)	PUNCT
cblr-2966	990	48	-0.011	-0.011	NOUN
cblr-2966	990	49	*	*	PUNCT
cblr-2966	990	50	*	*	PUNCT
cblr-2966	990	51	(	(	PUNCT
cblr-2966	990	52	0.004	0.004	NUM
cblr-2966	990	53	)	)	PUNCT
cblr-2966	990	54	6.753	6.753	NUM
cblr-2966	990	55	*	*	PUNCT
cblr-2966	990	56	*	*	PUNCT
cblr-2966	990	57	*	*	PUNCT
cblr-2966	990	58	5.705	5.705	NUM
cblr-2966	990	59	*	*	PUNCT
cblr-2966	990	60	*	*	PUNCT
cblr-2966	990	61	*	*	PUNCT
cblr-2966	991	1	5.685	5.685	NUM
cblr-2966	991	2	*	*	PUNCT
cblr-2966	991	3	*	*	PUNCT
cblr-2966	991	4	*	*	PUNCT
cblr-2966	991	5	6.827	6.827	NUM
cblr-2966	991	6	*	*	PUNCT
cblr-2966	991	7	*	*	PUNCT
cblr-2966	991	8	*	*	PUNCT
cblr-2966	991	9	324288	324288	NUM
cblr-2966	991	10	324288	324288	NUM
cblr-2966	991	11	324288	324288	NUM
cblr-2966	991	12	324288	324288	NUM
cblr-2966	991	13	0.392	0.392	NUM
cblr-2966	991	14	0.392	0.392	NUM
cblr-2966	991	15	0.392	0.392	NUM
cblr-2966	991	16	0.392	0.392	NUM
cblr-2966	991	17	robust	robust	ADJ
cblr-2966	991	18	standard	standard	ADJ
cblr-2966	991	19	errors	error	NOUN
cblr-2966	991	20	in	in	ADP
cblr-2966	991	21	parenthesesso	parenthesesso	NOUN
cblr-2966	991	22	*	*	PUNCT
cblr-2966	991	23	significant	significant	ADJ
cblr-2966	991	24	at	at	ADP
cblr-2966	991	25	10	10	NUM
cblr-2966	991	26	%	%	NOUN
cblr-2966	991	27	;	;	PUNCT
cblr-2966	991	28	*	*	PUNCT
cblr-2966	991	29	*	*	PUNCT
cblr-2966	991	30	significant	significant	ADJ
cblr-2966	991	31	at	at	ADP
cblr-2966	991	32	5	5	NUM
cblr-2966	991	33	%	%	NOUN
cblr-2966	991	34	;	;	PUNCT
cblr-2966	991	35	*	*	PUNCT
cblr-2966	991	36	*	*	PUNCT
cblr-2966	991	37	*	*	PUNCT
cblr-2966	991	38	significant	significant	ADJ
cblr-2966	991	39	at	at	ADP
cblr-2966	991	40	1	1	NUM
cblr-2966	991	41	%	%	NOUN
cblr-2966	991	42	180	180	NUM
cblr-2966	991	43	variables	variable	NOUN
cblr-2966	991	44	not	not	PART
cblr-2966	991	45	shown	show	VERB
cblr-2966	991	46	:	:	PUNCT
cblr-2966	991	47	refinancing	refinancing	NOUN
cblr-2966	991	48	,	,	PUNCT
cblr-2966	991	49	tractpopulation	tractpopulation	NOUN
cblr-2966	991	50	,	,	PUNCT
cblr-2966	991	51	tractmsamdincome	tractmsamdincome	NOUN
cblr-2966	991	52	,	,	PUNCT
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cblr-2966	991	54	,	,	PUNCT
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cblr-2966	991	56	,	,	PUNCT
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cblr-2966	991	58	,	,	PUNCT
cblr-2966	991	59	hoepastatus	hoepastatus	NOUN
cblr-2966	991	60	,	,	PUNCT
cblr-2966	991	61	and	and	CCONJ
cblr-2966	991	62	fixedeffectsforyearandstate	fixedeffectsforyearandstate	NOUN
cblr-2966	991	63	.	.	PUNCT
cblr-2966	992	1	no	no	INTJ
cblr-2966	992	2	.	.	PUNCT
cblr-2966	993	1	3:1021	3:1021	NUM
cblr-2966	993	2	]	]	PUNCT
cblr-2966	993	3	table	table	NOUN
cblr-2966	993	4	13	13	NUM
cblr-2966	993	5	:	:	PUNCT
cblr-2966	993	6	probit	probit	VERB
cblr-2966	993	7	full	full	ADJ
cblr-2966	993	8	sample	sample	NOUN
cblr-2966	993	9	:	:	PUNCT
cblr-2966	993	10	probability	probability	NOUN
cblr-2966	993	11	of	of	ADP
cblr-2966	993	12	originating	originate	VERB
cblr-2966	993	13	a	a	DET
cblr-2966	993	14	high	high	ADJ
cblr-2966	993	15	cost	cost	NOUN
cblr-2966	993	16	loan	loan	NOUN
cblr-2966	993	17	(	(	PUNCT
cblr-2966	993	18	1	1	NUM
cblr-2966	993	19	)	)	PUNCT
cblr-2966	993	20	(	(	PUNCT
cblr-2966	993	21	2	2	NUM
cblr-2966	993	22	)	)	PUNCT
cblr-2966	993	23	(	(	PUNCT
cblr-2966	993	24	3	3	X
cblr-2966	993	25	)	)	PUNCT
cblr-2966	993	26	(	(	PUNCT
cblr-2966	993	27	4	4	X
cblr-2966	993	28	)	)	PUNCT
cblr-2966	993	29	assigneeliability	assigneeliability	NOUN
cblr-2966	993	30	-0.155	-0.155	PUNCT
cblr-2966	993	31	"	"	PUNCT
cblr-2966	993	32	*	*	NOUN
cblr-2966	993	33	*	*	PUNCT
cblr-2966	993	34	(	(	PUNCT
cblr-2966	993	35	0.022	0.022	NUM
cblr-2966	993	36	)	)	PUNCT
cblr-2966	993	37	predatorylendinglaw	predatorylendinglaw	NOUN
cblr-2966	993	38	-0.231	-0.231	NOUN
cblr-2966	993	39	*	*	PUNCT
cblr-2966	993	40	*	*	PUNCT
cblr-2966	993	41	*	*	PUNCT
cblr-2966	993	42	(	(	PUNCT
cblr-2966	993	43	0.034	0.034	NUM
cblr-2966	993	44	)	)	PUNCT
cblr-2966	993	45	gender	gender	NOUN
cblr-2966	993	46	-0.120	-0.120	NOUN
cblr-2966	993	47	*	*	PUNCT
cblr-2966	993	48	*	*	PUNCT
cblr-2966	993	49	*	*	PUNCT
cblr-2966	993	50	-0.120	-0.120	PUNCT
cblr-2966	993	51	*	*	PUNCT
cblr-2966	993	52	*	*	PUNCT
cblr-2966	993	53	*	*	PUNCT
cblr-2966	993	54	-0.120	-0.120	PUNCT
cblr-2966	993	55	*	*	PUNCT
cblr-2966	993	56	*	*	PUNCT
cblr-2966	993	57	*	*	PUNCT
cblr-2966	993	58	-0.120	-0.120	PUNCT
cblr-2966	993	59	*	*	PUNCT
cblr-2966	993	60	*	*	PUNCT
cblr-2966	993	61	*	*	PUNCT
cblr-2966	993	62	(	(	PUNCT
cblr-2966	993	63	0.003	0.003	NUM
cblr-2966	993	64	)	)	PUNCT
cblr-2966	993	65	(	(	PUNCT
cblr-2966	993	66	0.003	0.003	NUM
cblr-2966	993	67	)	)	PUNCT
cblr-2966	993	68	(	(	PUNCT
cblr-2966	993	69	0.003	0.003	NUM
cblr-2966	993	70	)	)	PUNCT
cblr-2966	993	71	(	(	PUNCT
cblr-2966	993	72	0.003	0.003	NUM
cblr-2966	993	73	)	)	PUNCT
cblr-2966	993	74	ethhispanic	ethhispanic	ADJ
cblr-2966	993	75	0.365	0.365	NUM
cblr-2966	993	76	*	*	PUNCT
cblr-2966	993	77	*	*	PUNCT
cblr-2966	993	78	*	*	PUNCT
cblr-2966	993	79	0.365	0.365	NUM
cblr-2966	993	80	*	*	PUNCT
cblr-2966	993	81	*	*	PUNCT
cblr-2966	993	82	*	*	PUNCT
cblr-2966	993	83	0.365	0.365	NUM
cblr-2966	993	84	*	*	PUNCT
cblr-2966	993	85	*	*	PUNCT
cblr-2966	993	86	*	*	PUNCT
cblr-2966	993	87	0.365	0.365	NUM
cblr-2966	993	88	*	*	PUNCT
cblr-2966	993	89	*	*	PUNCT
cblr-2966	993	90	*	*	PUNCT
cblr-2966	993	91	(	(	PUNCT
cblr-2966	993	92	0.004	0.004	NUM
cblr-2966	993	93	)	)	PUNCT
cblr-2966	993	94	(	(	PUNCT
cblr-2966	993	95	0.004	0.004	NUM
cblr-2966	993	96	)	)	PUNCT
cblr-2966	993	97	(	(	PUNCT
cblr-2966	993	98	0.004	0.004	NUM
cblr-2966	993	99	)	)	PUNCT
cblr-2966	993	100	(	(	PUNCT
cblr-2966	993	101	0.004	0.004	NUM
cblr-2966	993	102	)	)	PUNCT
cblr-2966	993	103	ethblack	ethblack	NOUN
cblr-2966	993	104	0.591	0.591	NUM
cblr-2966	993	105	*	*	PUNCT
cblr-2966	993	106	*	*	PUNCT
cblr-2966	993	107	*	*	PUNCT
cblr-2966	993	108	0.591	0.591	NUM
cblr-2966	993	109	*	*	PUNCT
cblr-2966	993	110	*	*	PUNCT
cblr-2966	993	111	*	*	PUNCT
cblr-2966	993	112	0.591	0.591	NUM
cblr-2966	993	113	*	*	PUNCT
cblr-2966	993	114	*	*	PUNCT
cblr-2966	993	115	*	*	PUNCT
cblr-2966	993	116	0.591	0.591	NUM
cblr-2966	993	117	*	*	PUNCT
cblr-2966	993	118	*	*	PUNCT
cblr-2966	993	119	*	*	PUNCT
cblr-2966	993	120	(	(	PUNCT
cblr-2966	993	121	0.005	0.005	NUM
cblr-2966	993	122	)	)	PUNCT
cblr-2966	993	123	(	(	PUNCT
cblr-2966	993	124	0.005	0.005	NUM
cblr-2966	993	125	)	)	PUNCT
cblr-2966	993	126	(	(	PUNCT
cblr-2966	993	127	0.005	0.005	NUM
cblr-2966	993	128	)	)	PUNCT
cblr-2966	993	129	(	(	PUNCT
cblr-2966	993	130	0.005	0.005	NUM
cblr-2966	993	131	)	)	PUNCT
cblr-2966	993	132	ethasian	ethasian	NOUN
cblr-2966	993	133	-0.063	-0.063	NOUN
cblr-2966	993	134	*	*	PUNCT
cblr-2966	993	135	*	*	PUNCT
cblr-2966	993	136	*	*	PUNCT
cblr-2966	994	1	-0.063	-0.063	ADJ
cblr-2966	994	2	*	*	PUNCT
cblr-2966	994	3	*	*	PUNCT
cblr-2966	994	4	*	*	PUNCT
cblr-2966	995	1	-0.063	-0.063	ADJ
cblr-2966	995	2	*	*	PUNCT
cblr-2966	995	3	*	*	PUNCT
cblr-2966	995	4	*	*	PUNCT
cblr-2966	996	1	-0.063	-0.063	ADJ
cblr-2966	996	2	*	*	PUNCT
cblr-2966	996	3	*	*	PUNCT
cblr-2966	996	4	*	*	PUNCT
cblr-2966	996	5	(	(	PUNCT
cblr-2966	996	6	0.007	0.007	NUM
cblr-2966	996	7	)	)	PUNCT
cblr-2966	996	8	(	(	PUNCT
cblr-2966	996	9	0.007	0.007	NUM
cblr-2966	996	10	)	)	PUNCT
cblr-2966	996	11	(	(	PUNCT
cblr-2966	996	12	0.007	0.007	NUM
cblr-2966	996	13	)	)	PUNCT
cblr-2966	996	14	(	(	PUNCT
cblr-2966	996	15	0.007	0.007	NUM
cblr-2966	996	16	)	)	PUNCT
cblr-2966	996	17	loanamount	loanamount	NOUN
cblr-2966	996	18	-0.001	-0.001	PUNCT
cblr-2966	996	19	"	"	PUNCT
cblr-2966	996	20	*	*	PUNCT
cblr-2966	996	21	*	*	PUNCT
cblr-2966	996	22	-0.001	-0.001	PUNCT
cblr-2966	996	23	"	"	PUNCT
cblr-2966	996	24	*	*	PUNCT
cblr-2966	996	25	*	*	PUNCT
cblr-2966	996	26	-0.001	-0.001	PUNCT
cblr-2966	996	27	"	"	PUNCT
cblr-2966	996	28	*	*	PUNCT
cblr-2966	996	29	*	*	PUNCT
cblr-2966	996	30	-0.001	-0.001	PUNCT
cblr-2966	996	31	"	"	PUNCT
cblr-2966	996	32	*	*	PUNCT
cblr-2966	996	33	*	*	PUNCT
cblr-2966	996	34	*	*	PUNCT
cblr-2966	996	35	(	(	PUNCT
cblr-2966	996	36	0.000	0.000	NUM
cblr-2966	996	37	)	)	PUNCT
cblr-2966	996	38	(	(	PUNCT
cblr-2966	996	39	0.000	0.000	NUM
cblr-2966	996	40	)	)	PUNCT
cblr-2966	996	41	(	(	PUNCT
cblr-2966	996	42	0.000	0.000	NUM
cblr-2966	996	43	)	)	PUNCT
cblr-2966	996	44	(	(	PUNCT
cblr-2966	996	45	0.000	0.000	X
cblr-2966	996	46	)	)	PUNCT
cblr-2966	996	47	applicantincome	applicantincome	NOUN
cblr-2966	996	48	-0.001	-0.001	PUNCT
cblr-2966	997	1	*	*	PUNCT
cblr-2966	997	2	*	*	PUNCT
cblr-2966	997	3	*	*	PUNCT
cblr-2966	997	4	-0.001	-0.001	PUNCT
cblr-2966	997	5	"	"	PUNCT
cblr-2966	997	6	*	*	PUNCT
cblr-2966	997	7	*	*	PUNCT
cblr-2966	997	8	-0.001	-0.001	PUNCT
cblr-2966	998	1	*	*	PUNCT
cblr-2966	998	2	*	*	PUNCT
cblr-2966	998	3	*	*	PUNCT
cblr-2966	998	4	-0.001	-0.001	PUNCT
cblr-2966	998	5	"	"	PUNCT
cblr-2966	998	6	*	*	PUNCT
cblr-2966	998	7	*	*	PUNCT
cblr-2966	998	8	(	(	PUNCT
cblr-2966	998	9	0.000	0.000	NUM
cblr-2966	998	10	)	)	PUNCT
cblr-2966	998	11	(	(	PUNCT
cblr-2966	998	12	0.000	0.000	NUM
cblr-2966	998	13	)	)	PUNCT
cblr-2966	998	14	(	(	PUNCT
cblr-2966	998	15	0.000	0.000	NUM
cblr-2966	998	16	)	)	PUNCT
cblr-2966	998	17	(	(	PUNCT
cblr-2966	998	18	0.000	0.000	X
cblr-2966	998	19	)	)	PUNCT
cblr-2966	998	20	tractminoritypercent	tractminoritypercent	NOUN
cblr-2966	998	21	0.003	0.003	NUM
cblr-2966	998	22	*	*	PUNCT
cblr-2966	998	23	*	*	PUNCT
cblr-2966	998	24	*	*	PUNCT
cblr-2966	998	25	0.003	0.003	NUM
cblr-2966	998	26	*	*	PUNCT
cblr-2966	998	27	*	*	PUNCT
cblr-2966	998	28	*	*	PUNCT
cblr-2966	998	29	0.003	0.003	NUM
cblr-2966	998	30	*	*	PUNCT
cblr-2966	998	31	*	*	PUNCT
cblr-2966	998	32	*	*	PUNCT
cblr-2966	998	33	0.003	0.003	NUM
cblr-2966	998	34	*	*	PUNCT
cblr-2966	998	35	*	*	PUNCT
cblr-2966	998	36	*	*	PUNCT
cblr-2966	998	37	(	(	PUNCT
cblr-2966	998	38	0.000	0.000	NUM
cblr-2966	998	39	)	)	PUNCT
cblr-2966	998	40	(	(	PUNCT
cblr-2966	998	41	0.000	0.000	NUM
cblr-2966	998	42	)	)	PUNCT
cblr-2966	998	43	(	(	PUNCT
cblr-2966	998	44	0.000	0.000	NUM
cblr-2966	998	45	)	)	PUNCT
cblr-2966	998	46	(	(	PUNCT
cblr-2966	998	47	0.000	0.000	X
cblr-2966	998	48	)	)	PUNCT
cblr-2966	998	49	tractmedianincome	tractmedianincome	NOUN
cblr-2966	998	50	-0.000	-0.000	PUNCT
cblr-2966	998	51	*	*	PUNCT
cblr-2966	999	1	*	*	PUNCT
cblr-2966	999	2	*	*	PUNCT
cblr-2966	999	3	-0.000	-0.000	PUNCT
cblr-2966	999	4	"	"	PUNCT
cblr-2966	999	5	*	*	PUNCT
cblr-2966	999	6	*	*	PUNCT
cblr-2966	999	7	-0.000	-0.000	PUNCT
cblr-2966	999	8	"	"	PUNCT
cblr-2966	999	9	*	*	PUNCT
cblr-2966	999	10	*	*	PUNCT
cblr-2966	999	11	-0.000	-0.000	PUNCT
cblr-2966	999	12	*	*	PUNCT
cblr-2966	999	13	*	*	PUNCT
cblr-2966	999	14	*	*	PUNCT
cblr-2966	999	15	(	(	PUNCT
cblr-2966	999	16	0.000	0.000	NUM
cblr-2966	999	17	)	)	PUNCT
cblr-2966	999	18	(	(	PUNCT
cblr-2966	999	19	0.000	0.000	NUM
cblr-2966	999	20	)	)	PUNCT
cblr-2966	999	21	(	(	PUNCT
cblr-2966	999	22	0.000	0.000	NUM
cblr-2966	999	23	)	)	PUNCT
cblr-2966	999	24	(	(	PUNCT
cblr-2966	999	25	0.000	0.000	X
cblr-2966	999	26	)	)	PUNCT
cblr-2966	999	27	assigneeineffect	assigneeineffect	ADP
cblr-2966	999	28	0.002	0.002	NUM
cblr-2966	999	29	0.002	0.002	NUM
cblr-2966	999	30	(	(	PUNCT
cblr-2966	999	31	0.018	0.018	NUM
cblr-2966	999	32	)	)	PUNCT
cblr-2966	999	33	(	(	PUNCT
cblr-2966	999	34	0.018	0.018	NUM
cblr-2966	999	35	)	)	PUNCT
cblr-2966	999	36	predatoryineffect	predatoryineffect	NOUN
cblr-2966	999	37	-0.073	-0.073	PUNCT
cblr-2966	999	38	*	*	PUNCT
cblr-2966	999	39	*	*	PUNCT
cblr-2966	999	40	*	*	PUNCT
cblr-2966	999	41	-0.073	-0.073	PUNCT
cblr-2966	999	42	*	*	PUNCT
cblr-2966	999	43	*	*	PUNCT
cblr-2966	999	44	*	*	PUNCT
cblr-2966	999	45	-0.073	-0.073	PUNCT
cblr-2966	999	46	*	*	PUNCT
cblr-2966	999	47	*	*	PUNCT
cblr-2966	999	48	*	*	PUNCT
cblr-2966	999	49	(	(	PUNCT
cblr-2966	999	50	0.013	0.013	NUM
cblr-2966	999	51	)	)	PUNCT
cblr-2966	999	52	(	(	PUNCT
cblr-2966	999	53	0.013	0.013	NUM
cblr-2966	999	54	)	)	PUNCT
cblr-2966	999	55	(	(	PUNCT
cblr-2966	999	56	0.013	0.013	NUM
cblr-2966	999	57	)	)	PUNCT
cblr-2966	999	58	assigneeindex	assigneeindex	NOUN
cblr-2966	999	59	-0.001	-0.001	PUNCT
cblr-2966	1000	1	"	"	PUNCT
cblr-2966	1000	2	*	*	NOUN
cblr-2966	1000	3	*	*	PUNCT
cblr-2966	1000	4	-0.000	-0.000	PUNCT
cblr-2966	1000	5	(	(	PUNCT
cblr-2966	1000	6	0.000	0.000	NUM
cblr-2966	1000	7	)	)	PUNCT
cblr-2966	1000	8	(	(	PUNCT
cblr-2966	1000	9	0.002	0.002	NUM
cblr-2966	1000	10	)	)	PUNCT
cblr-2966	1000	11	assigneeunrated	assigneeunrate	VERB
cblr-2966	1000	12	-0.028	-0.028	ADJ
cblr-2966	1000	13	-0.028	-0.028	INTJ
cblr-2966	1000	14	(	(	PUNCT
cblr-2966	1000	15	0.025	0.025	NUM
cblr-2966	1000	16	)	)	PUNCT
cblr-2966	1000	17	(	(	PUNCT
cblr-2966	1000	18	0.025	0.025	NUM
cblr-2966	1000	19	)	)	PUNCT
cblr-2966	1000	20	assigneemagnitudeineffect	assigneemagnitudeineffect	NOUN
cblr-2966	1000	21	-0.000	-0.000	PRON
cblr-2966	1000	22	(	(	PUNCT
cblr-2966	1000	23	0.002	0.002	NUM
cblr-2966	1000	24	)	)	PUNCT
cblr-2966	1000	25	constant	constant	ADJ
cblr-2966	1000	26	-0.253	-0.253	PUNCT
cblr-2966	1000	27	*	*	PUNCT
cblr-2966	1000	28	*	*	PUNCT
cblr-2966	1000	29	*	*	PUNCT
cblr-2966	1000	30	-0.255	-0.255	PROPN
cblr-2966	1000	31	*	*	PUNCT
cblr-2966	1000	32	*	*	PUNCT
cblr-2966	1000	33	*	*	PUNCT
cblr-2966	1000	34	-0.260	-0.260	PUNCT
cblr-2966	1000	35	*	*	PUNCT
cblr-2966	1000	36	*	*	PUNCT
cblr-2966	1000	37	*	*	PUNCT
cblr-2966	1000	38	-0.258	-0.258	PUNCT
cblr-2966	1000	39	*	*	PUNCT
cblr-2966	1000	40	*	*	PUNCT
cblr-2966	1000	41	*	*	VERB
cblr-2966	1000	42	observations	observation	NOUN
cblr-2966	1000	43	1292367	1292367	NUM
cblr-2966	1000	44	1292367	1292367	NUM
cblr-2966	1000	45	1292367	1292367	NUM
cblr-2966	1000	46	1292367	1292367	NUM
cblr-2966	1000	47	robust	robust	ADJ
cblr-2966	1000	48	standard	standard	ADJ
cblr-2966	1000	49	errors	error	NOUN
cblr-2966	1000	50	in	in	ADP
cblr-2966	1000	51	parentheses	parenthesis	NOUN
cblr-2966	1000	52	8	8	NUM
cblr-2966	1000	53	'	'	PART
cblr-2966	1000	54	*	*	NOUN
cblr-2966	1000	55	significant	significant	ADJ
cblr-2966	1000	56	at	at	ADP
cblr-2966	1000	57	10	10	NUM
cblr-2966	1000	58	%	%	NOUN
cblr-2966	1000	59	;	;	PUNCT
cblr-2966	1000	60	*	*	PUNCT
cblr-2966	1000	61	*	*	PUNCT
cblr-2966	1000	62	significant	significant	ADJ
cblr-2966	1000	63	at	at	ADP
cblr-2966	1000	64	5	5	NUM
cblr-2966	1000	65	%	%	NOUN
cblr-2966	1000	66	;	;	PUNCT
cblr-2966	1000	67	•	•	X
cblr-2966	1000	68	*	*	PUNCT
cblr-2966	1000	69	*	*	NOUN
cblr-2966	1000	70	significant	significant	ADJ
cblr-2966	1000	71	at	at	ADP
cblr-2966	1000	72	1	1	NUM
cblr-2966	1000	73	%	%	NOUN
cblr-2966	1000	74	181	181	NUM
cblr-2966	1000	75	variables	variable	NOUN
cblr-2966	1000	76	not	not	PART
cblr-2966	1000	77	shown	show	VERB
cblr-2966	1000	78	:	:	PUNCT
cblr-2966	1000	79	refinancing	refinancing	NOUN
cblr-2966	1000	80	,	,	PUNCT
cblr-2966	1000	81	homepurchase	homepurchase	NOUN
cblr-2966	1000	82	,	,	PUNCT
cblr-2966	1000	83	tractpopulation	tractpopulation	NOUN
cblr-2966	1000	84	tractmsamdincome	tractmsamdincome	NOUN
cblr-2966	1000	85	,	,	PUNCT
cblr-2966	1000	86	tractowneroccuppiedunits	tractowneroccuppiedunit	NOUN
cblr-2966	1000	87	,	,	PUNCT
cblr-2966	1000	88	numberofl4familyunits	numberofl4familyunit	NOUN
cblr-2966	1000	89	,	,	PUNCT
cblr-2966	1000	90	firstlien	firstlien	NOUN
cblr-2966	1000	91	,	,	PUNCT
cblr-2966	1000	92	hoepastatus	hoepastatus	NOUN
cblr-2966	1000	93	,	,	PUNCT
cblr-2966	1000	94	and	and	CCONJ
cblr-2966	1000	95	fixedeffectsforyearandstate	fixedeffectsforyearandstate	NOUN
cblr-2966	1000	96	.	.	PUNCT
cblr-2966	1001	1	col	col	PROPN
cblr-2966	1001	2	umbia	umbia	PROPN
cblr-2966	1001	3	b	b	PROPN
cblr-2966	1001	4	usiness	usiness	PROPN
cblr-2966	1001	5	la	la	PROPN
cblr-2966	1001	6	w	w	PROPN
cblr-2966	1001	7	re	re	PROPN
cblr-2966	1001	8	vie	vie	PROPN
cblr-2966	1001	9	w	w	PROPN
cblr-2966	1002	1	[	[	X
cblr-2966	1002	2	vol	vol	NOUN
cblr-2966	1002	3	.	.	NOUN
cblr-2966	1002	4	2008	2008	NUM
cblr-2966	1002	5	rethinking	rethink	VERB
cblr-2966	1002	6	assignee	assignee	NOUN
cblr-2966	1002	7	liability	liability	NOUN
cblr-2966	1002	8	table	table	NOUN
cblr-2966	1002	9	14	14	NUM
cblr-2966	1002	10	:	:	PUNCT
cblr-2966	1002	11	state	state	NOUN
cblr-2966	1002	12	probits	probit	NOUN
cblr-2966	1002	13	:	:	PUNCT
cblr-2966	1002	14	securitized	securitize	VERB
cblr-2966	1002	15	california	california	PROPN
cblr-2966	1002	16	pennsylvania	pennsylvania	PROPN
cblr-2966	1002	17	pennsylvania	pennsylvania	PROPN
cblr-2966	1002	18	and	and	CCONJ
cblr-2966	1002	19	new	new	PROPN
cblr-2966	1002	20	and	and	CCONJ
cblr-2966	1002	21	delaware	delaware	PROPN
cblr-2966	1002	22	and	and	CCONJ
cblr-2966	1002	23	florida	florida	PROPN
cblr-2966	1002	24	ynrk	ynrk	PROPN
cblr-2966	1002	25	york	york	PROPN
cblr-2966	1002	26	predatoryineffect	predatoryineffect	PROPN
cblr-2966	1002	27	gender	gender	NOUN
cblr-2966	1002	28	ethhispanic	ethhispanic	ADJ
cblr-2966	1002	29	ethblack	ethblack	NOUN
cblr-2966	1002	30	ethasian	ethasian	NOUN
cblr-2966	1002	31	loanamount	loanamount	NOUN
cblr-2966	1002	32	applicantincome	applicantincome	PROPN
cblr-2966	1002	33	tractminoritypercent	tractminoritypercent	PROPN
cblr-2966	1002	34	tractmedianincome	tractmedianincome	VERB
cblr-2966	1002	35	0.155	0.155	NUM
cblr-2966	1002	36	*	*	NOUN
cblr-2966	1002	37	*	*	PUNCT
cblr-2966	1002	38	*	*	PUNCT
cblr-2966	1002	39	(	(	PUNCT
cblr-2966	1002	40	0.057	0.057	NUM
cblr-2966	1002	41	)	)	PUNCT
cblr-2966	1002	42	0.140	0.140	NUM
cblr-2966	1002	43	*	*	PUNCT
cblr-2966	1002	44	*	*	PUNCT
cblr-2966	1002	45	*	*	PUNCT
cblr-2966	1002	46	(	(	PUNCT
cblr-2966	1002	47	0.054	0.054	NUM
cblr-2966	1002	48	)	)	PUNCT
cblr-2966	1002	49	-0.210	-0.210	NOUN
cblr-2966	1002	50	(	(	PUNCT
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cblr-2966	1002	52	)	)	PUNCT
cblr-2966	1002	53	-0.002	-0.002	PUNCT
cblr-2966	1002	54	(	(	PUNCT
cblr-2966	1002	55	0.075	0.075	NUM
cblr-2966	1002	56	)	)	PUNCT
cblr-2966	1002	57	0.787	0.787	NUM
cblr-2966	1002	58	*	*	SYM
cblr-2966	1002	59	*	*	PUNCT
cblr-2966	1002	60	(	(	PUNCT
cblr-2966	1002	61	0.336	0.336	NUM
cblr-2966	1002	62	)	)	PUNCT
cblr-2966	1002	63	0.003	0.003	NUM
cblr-2966	1002	64	*	*	PUNCT
cblr-2966	1002	65	*	*	PUNCT
cblr-2966	1002	66	*	*	PUNCT
cblr-2966	1002	67	(	(	PUNCT
cblr-2966	1002	68	0.000	0.000	NUM
cblr-2966	1002	69	)	)	PUNCT
cblr-2966	1002	70	-0.000	-0.000	X
cblr-2966	1002	71	(	(	PUNCT
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cblr-2966	1002	73	)	)	PUNCT
cblr-2966	1002	74	0.004	0.004	NUM
cblr-2966	1003	1	*	*	PUNCT
cblr-2966	1003	2	*	*	PUNCT
cblr-2966	1003	3	(	(	PUNCT
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cblr-2966	1003	5	)	)	PUNCT
cblr-2966	1003	6	0.000	0.000	NUM
cblr-2966	1003	7	(	(	PUNCT
cblr-2966	1003	8	0.000	0.000	NUM
cblr-2966	1003	9	)	)	PUNCT
cblr-2966	1003	10	assigneeineffect	assigneeineffect	ADJ
cblr-2966	1003	11	constant	constant	ADJ
cblr-2966	1003	12	-1.230	-1.230	PRON
cblr-2966	1003	13	"	"	PUNCT
cblr-2966	1003	14	*	*	NOUN
cblr-2966	1003	15	*	*	PUNCT
cblr-2966	1003	16	(	(	PUNCT
cblr-2966	1003	17	0.178	0.178	NUM
cblr-2966	1003	18	)	)	PUNCT
cblr-2966	1003	19	observations	observation	NOUN
cblr-2966	1003	20	2897	2897	NUM
cblr-2966	1003	21	robust	robust	ADJ
cblr-2966	1003	22	standard	standard	ADJ
cblr-2966	1003	23	errors	error	NOUN
cblr-2966	1003	24	in	in	ADP
cblr-2966	1003	25	parentheses"8	parentheses"8	NOUN
cblr-2966	1003	26	,	,	PUNCT
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cblr-2966	1003	28	(	(	PUNCT
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cblr-2966	1003	30	)	)	PUNCT
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cblr-2966	1003	32	(	(	PUNCT
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cblr-2966	1003	34	)	)	PUNCT
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cblr-2966	1003	36	(	(	PUNCT
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cblr-2966	1003	38	)	)	PUNCT
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cblr-2966	1004	1	*	*	PUNCT
cblr-2966	1004	2	*	*	PUNCT
cblr-2966	1004	3	(	(	PUNCT
cblr-2966	1004	4	0.086	0.086	NUM
cblr-2966	1004	5	)	)	PUNCT
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cblr-2966	1004	7	*	*	PUNCT
cblr-2966	1004	8	*	*	PUNCT
cblr-2966	1004	9	*	*	PUNCT
cblr-2966	1004	10	(	(	PUNCT
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cblr-2966	1004	12	)	)	PUNCT
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cblr-2966	1005	1	*	*	PUNCT
cblr-2966	1005	2	*	*	PUNCT
cblr-2966	1005	3	(	(	PUNCT
cblr-2966	1005	4	0.000	0.000	NUM
cblr-2966	1005	5	)	)	PUNCT
cblr-2966	1005	6	0.001	0.001	NUM
cblr-2966	1005	7	"	"	PUNCT
cblr-2966	1005	8	*	*	PUNCT
cblr-2966	1005	9	(	(	PUNCT
cblr-2966	1005	10	0.001	0.001	NUM
cblr-2966	1005	11	)	)	PUNCT
cblr-2966	1005	12	0.000	0.000	NUM
cblr-2966	1005	13	"	"	PUNCT
cblr-2966	1005	14	*	*	PUNCT
cblr-2966	1005	15	*	*	PUNCT
cblr-2966	1005	16	(	(	PUNCT
cblr-2966	1005	17	0.000	0.000	NUM
cblr-2966	1005	18	)	)	PUNCT
cblr-2966	1005	19	0.199	0.199	NUM
cblr-2966	1005	20	"	"	PUNCT
cblr-2966	1005	21	*	*	NOUN
cblr-2966	1005	22	*	*	PUNCT
cblr-2966	1005	23	(	(	PUNCT
cblr-2966	1005	24	0.023	0.023	NUM
cblr-2966	1005	25	)	)	PUNCT
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cblr-2966	1005	27	"	"	PUNCT
cblr-2966	1005	28	*	*	PUNCT
cblr-2966	1005	29	*	*	PUNCT
cblr-2966	1005	30	(	(	PUNCT
cblr-2966	1005	31	0.069	0.069	NUM
cblr-2966	1005	32	)	)	PUNCT
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cblr-2966	1005	35	*	*	PUNCT
cblr-2966	1005	36	*	*	PUNCT
cblr-2966	1005	37	(	(	PUNCT
cblr-2966	1005	38	0.011	0.011	NUM
cblr-2966	1005	39	)	)	PUNCT
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cblr-2966	1005	41	(	(	PUNCT
cblr-2966	1005	42	0.013	0.013	NUM
cblr-2966	1005	43	)	)	PUNCT
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cblr-2966	1005	45	(	(	PUNCT
cblr-2966	1005	46	0.019	0.019	NUM
cblr-2966	1005	47	)	)	PUNCT
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cblr-2966	1005	51	)	)	PUNCT
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cblr-2966	1005	55	(	(	PUNCT
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cblr-2966	1005	66	(	(	PUNCT
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cblr-2966	1005	68	)	)	PUNCT
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cblr-2966	1006	1	*	*	PUNCT
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cblr-2966	1006	4	(	(	PUNCT
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cblr-2966	1006	6	)	)	PUNCT
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cblr-2966	1007	1	*	*	PUNCT
cblr-2966	1007	2	*	*	PUNCT
cblr-2966	1007	3	(	(	PUNCT
cblr-2966	1007	4	0.013	0.013	NUM
cblr-2966	1007	5	)	)	PUNCT
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cblr-2966	1007	7	*	*	PUNCT
cblr-2966	1007	8	(	(	PUNCT
cblr-2966	1007	9	0.139	0.139	NUM
cblr-2966	1007	10	)	)	PUNCT
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cblr-2966	1008	1	*	*	PUNCT
cblr-2966	1008	2	significant	significant	ADJ
cblr-2966	1008	3	at	at	ADP
cblr-2966	1008	4	10	10	NUM
cblr-2966	1008	5	%	%	NOUN
cblr-2966	1008	6	;	;	PUNCT
cblr-2966	1009	1	*	*	PUNCT
cblr-2966	1009	2	*	*	PUNCT
cblr-2966	1009	3	significant	significant	ADJ
cblr-2966	1009	4	at	at	ADP
cblr-2966	1009	5	5	5	NUM
cblr-2966	1009	6	%	%	NOUN
cblr-2966	1009	7	;	;	PUNCT
cblr-2966	1009	8	*	*	PUNCT
cblr-2966	1009	9	*	*	PUNCT
cblr-2966	1009	10	*	*	PUNCT
cblr-2966	1009	11	significant	significant	ADJ
cblr-2966	1009	12	at	at	ADP
cblr-2966	1009	13	1	1	NUM
cblr-2966	1009	14	%	%	NOUN
cblr-2966	1009	15	12	12	NUM
cblr-2966	1009	16	variables	variable	NOUN
cblr-2966	1009	17	not	not	PART
cblr-2966	1009	18	shown	show	VERB
cblr-2966	1009	19	:	:	PUNCT
cblr-2966	1009	20	refinancing	refinancing	NOUN
cblr-2966	1009	21	,	,	PUNCT
cblr-2966	1009	22	homepurchase	homepurchase	NOUN
cblr-2966	1009	23	,	,	PUNCT
cblr-2966	1009	24	tractpopulation	tractpopulation	NOUN
cblr-2966	1009	25	tractmsamdincome	tractmsamdincome	NOUN
cblr-2966	1009	26	,	,	PUNCT
cblr-2966	1009	27	tractowneroccuppiedunits	tractowneroccuppiedunit	NOUN
cblr-2966	1009	28	,	,	PUNCT
cblr-2966	1009	29	numberofl4familyunits	numberofl4familyunit	NOUN
cblr-2966	1009	30	,	,	PUNCT
cblr-2966	1009	31	firstlien	firstlien	NOUN
cblr-2966	1009	32	,	,	PUNCT
cblr-2966	1009	33	hoepastatus	hoepastatus	NOUN
cblr-2966	1009	34	,	,	PUNCT
cblr-2966	1009	35	and	and	CCONJ
cblr-2966	1009	36	fixedeffectsforyear	fixedeffectsforyear	ADJ
cblr-2966	1009	37	.	.	PUNCT
cblr-2966	1010	1	no	no	INTJ
cblr-2966	1010	2	.	.	PUNCT
cblr-2966	1011	1	3:1021	3:1021	NUM
cblr-2966	1011	2	]	]	PUNCT