id	sid	tid	token	lemma	pos
cblr-3006	1	1	payment	payment	NOUN
cblr-3006	1	2	card	card	NOUN
cblr-3006	1	3	regulation	regulation	NOUN
cblr-3006	1	4	and	and	CCONJ
cblr-3006	1	5	the	the	DET
cblr-3006	1	6	(	(	PUNCT
cblr-3006	1	7	mis)application	mis)application	NOUN
cblr-3006	1	8	of	of	ADP
cblr-3006	1	9	the	the	DET
cblr-3006	1	10	economics	economic	NOUN
cblr-3006	1	11	of	of	ADP
cblr-3006	1	12	two	two	NUM
cblr-3006	1	13	-	-	PUNCT
cblr-3006	1	14	sided	sided	ADJ
cblr-3006	1	15	markets	market	NOUN
cblr-3006	1	16	payment	payment	NOUN
cblr-3006	1	17	card	card	NOUN
cblr-3006	1	18	regulation	regulation	NOUN
cblr-3006	1	19	and	and	CCONJ
cblr-3006	1	20	the	the	DET
cblr-3006	1	21	(	(	PUNCT
cblr-3006	1	22	mis)application	mis)application	NOUN
cblr-3006	1	23	of	of	ADP
cblr-3006	1	24	the	the	DET
cblr-3006	1	25	economics	economic	NOUN
cblr-3006	1	26	of	of	ADP
cblr-3006	1	27	two	two	NUM
cblr-3006	1	28	-	-	PUNCT
cblr-3006	1	29	sided	side	VERB
cblr-3006	1	30	markets	market	NOUN
cblr-3006	1	31	timothy	timothy	PROPN
cblr-3006	1	32	j.	j.	PROPN
cblr-3006	1	33	muris	muris	PROPN
cblr-3006	1	34	*	*	PROPN
cblr-3006	1	35	i.	i.	PROPN
cblr-3006	1	36	introduction	introduction	NOUN
cblr-3006	1	37	................................................................	................................................................	PUNCT
cblr-3006	1	38	515	515	NUM
cblr-3006	1	39	ii	ii	NOUN
cblr-3006	1	40	.	.	PUNCT
cblr-3006	2	1	the	the	DET
cblr-3006	2	2	economics	economic	NOUN
cblr-3006	2	3	of	of	ADP
cblr-3006	2	4	two	two	NUM
cblr-3006	2	5	-	-	PUNCT
cblr-3006	2	6	sided	sided	ADJ
cblr-3006	2	7	markets	market	NOUN
cblr-3006	2	8	......................	......................	PUNCT
cblr-3006	3	1	517	517	NUM
cblr-3006	3	2	iii	iii	NOUN
cblr-3006	3	3	.	.	PUNCT
cblr-3006	3	4	payment	payment	NOUN
cblr-3006	3	5	cards	card	NOUN
cblr-3006	3	6	as	as	ADP
cblr-3006	3	7	a	a	DET
cblr-3006	3	8	two	two	NUM
cblr-3006	3	9	-	-	PUNCT
cblr-3006	3	10	sided	sided	ADJ
cblr-3006	3	11	market	market	NOUN
cblr-3006	3	12	...................	...................	PUNCT
cblr-3006	3	13	520	520	NUM
cblr-3006	3	14	iv	iv	NOUN
cblr-3006	3	15	.	.	PUNCT
cblr-3006	4	1	the	the	DET
cblr-3006	4	2	benefits	benefit	NOUN
cblr-3006	4	3	of	of	ADP
cblr-3006	4	4	payment	payment	NOUN
cblr-3006	4	5	cards	card	NOUN
cblr-3006	4	6	.................................	.................................	PUNCT
cblr-3006	4	7	523	523	NUM
cblr-3006	4	8	a.	a.	NOUN
cblr-3006	4	9	benefits	benefit	NOUN
cblr-3006	4	10	to	to	ADP
cblr-3006	4	11	consumers	consumer	NOUN
cblr-3006	4	12	........................................	........................................	PUNCT
cblr-3006	5	1	524	524	NUM
cblr-3006	5	2	1	1	X
cblr-3006	5	3	.	.	PUNCT
cblr-3006	5	4	general	general	ADJ
cblr-3006	5	5	benefits	benefit	NOUN
cblr-3006	5	6	.............................................	.............................................	PUNCT
cblr-3006	6	1	524	524	NUM
cblr-3006	6	2	2	2	X
cblr-3006	6	3	.	.	PUNCT
cblr-3006	6	4	payment	payment	NOUN
cblr-3006	6	5	cards	card	NOUN
cblr-3006	6	6	as	as	ADP
cblr-3006	6	7	a	a	DET
cblr-3006	6	8	form	form	NOUN
cblr-3006	6	9	of	of	ADP
cblr-3006	6	10	credit	credit	NOUN
cblr-3006	6	11	..............	..............	PUNCT
cblr-3006	7	1	527	527	NUM
cblr-3006	7	2	b.	b.	PROPN
cblr-3006	7	3	benefits	benefit	NOUN
cblr-3006	7	4	to	to	ADP
cblr-3006	7	5	m	m	PROPN
cblr-3006	7	6	erchants	erchant	NOUN
cblr-3006	7	7	........................................	........................................	PUNCT
cblr-3006	8	1	529	529	NUM
cblr-3006	8	2	v.	v.	ADP
cblr-3006	8	3	government	government	NOUN
cblr-3006	8	4	intervention	intervention	NOUN
cblr-3006	8	5	in	in	ADP
cblr-3006	8	6	the	the	DET
cblr-3006	8	7	payment	payment	NOUN
cblr-3006	8	8	card	card	NOUN
cblr-3006	8	9	m	m	PROPN
cblr-3006	8	10	arket	arket	NOUN
cblr-3006	8	11	........................................................................	........................................................................	PUNCT
cblr-3006	9	1	530	530	NUM
cblr-3006	9	2	a.	a.	NOUN
cblr-3006	9	3	the	the	DET
cblr-3006	9	4	origins	origin	NOUN
cblr-3006	9	5	and	and	CCONJ
cblr-3006	9	6	role	role	NOUN
cblr-3006	9	7	of	of	ADP
cblr-3006	9	8	interchange	interchange	NOUN
cblr-3006	9	9	fees	fee	NOUN
cblr-3006	9	10	.........	.........	PUNCT
cblr-3006	10	1	531	531	NUM
cblr-3006	10	2	b.	b.	NOUN
cblr-3006	10	3	the	the	DET
cblr-3006	10	4	attacks	attack	NOUN
cblr-3006	10	5	on	on	ADP
cblr-3006	10	6	interchange	interchange	NOUN
cblr-3006	10	7	fees	fee	NOUN
cblr-3006	10	8	.......................	.......................	PUNCT
cblr-3006	10	9	535	535	NUM
cblr-3006	10	10	c.	c.	NOUN
cblr-3006	10	11	the	the	DET
cblr-3006	10	12	impact	impact	NOUN
cblr-3006	10	13	of	of	ADP
cblr-3006	10	14	suppressing	suppress	VERB
cblr-3006	10	15	interchange	interchange	NOUN
cblr-3006	10	16	fees	fee	NOUN
cblr-3006	10	17	....	....	PUNCT
cblr-3006	11	1	542	542	NUM
cblr-3006	11	2	v	v	NUM
cblr-3006	11	3	i.	i.	PROPN
cblr-3006	11	4	c	c	PROPN
cblr-3006	11	5	onclusion	onclusion	NOUN
cblr-3006	11	6	..................................................................	..................................................................	PUNCT
cblr-3006	11	7	549	549	NUM
cblr-3006	11	8	i.	i.	NOUN
cblr-3006	11	9	introduction	introduction	NOUN
cblr-3006	11	10	plastic	plastic	NOUN
cblr-3006	11	11	payment	payment	NOUN
cblr-3006	11	12	cards	card	NOUN
cblr-3006	11	13	are	be	AUX
cblr-3006	11	14	one	one	NUM
cblr-3006	11	15	of	of	ADP
cblr-3006	11	16	the	the	DET
cblr-3006	11	17	great	great	ADJ
cblr-3006	11	18	innovations	innovation	NOUN
cblr-3006	11	19	of	of	ADP
cblr-3006	11	20	the	the	DET
cblr-3006	11	21	twentieth	twentieth	ADJ
cblr-3006	11	22	century	century	NOUN
cblr-3006	11	23	.	.	PUNCT
cblr-3006	12	1	like	like	ADP
cblr-3006	12	2	the	the	DET
cblr-3006	12	3	microchip	microchip	NOUN
cblr-3006	12	4	,	,	PUNCT
cblr-3006	12	5	the	the	DET
cblr-3006	12	6	personal	personal	ADJ
cblr-3006	12	7	computer	computer	NOUN
cblr-3006	12	8	,	,	PUNCT
cblr-3006	12	9	and	and	CCONJ
cblr-3006	12	10	the	the	DET
cblr-3006	12	11	cellular	cellular	ADJ
cblr-3006	12	12	telephone	telephone	NOUN
cblr-3006	12	13	,	,	PUNCT
cblr-3006	12	14	payment	payment	NOUN
cblr-3006	12	15	cards	card	NOUN
cblr-3006	12	16	have	have	AUX
cblr-3006	12	17	become	become	VERB
cblr-3006	12	18	ubiquitous	ubiquitous	ADJ
cblr-3006	12	19	after	after	ADP
cblr-3006	12	20	only	only	ADV
cblr-3006	12	21	a	a	DET
cblr-3006	12	22	few	few	ADJ
cblr-3006	12	23	decades	decade	NOUN
cblr-3006	12	24	of	of	ADP
cblr-3006	12	25	use	use	NOUN
cblr-3006	12	26	,	,	PUNCT
cblr-3006	12	27	transforming	transform	VERB
cblr-3006	12	28	the	the	DET
cblr-3006	12	29	way	way	NOUN
cblr-3006	12	30	business	business	NOUN
cblr-3006	12	31	is	be	AUX
cblr-3006	12	32	conducted	conduct	VERB
cblr-3006	12	33	.	.	PUNCT
cblr-3006	13	1	the	the	DET
cblr-3006	13	2	simplicity	simplicity	NOUN
cblr-3006	13	3	of	of	ADP
cblr-3006	13	4	pulling	pull	VERB
cblr-3006	13	5	a	a	DET
cblr-3006	13	6	card	card	NOUN
cblr-3006	13	7	from	from	ADP
cblr-3006	13	8	one	one	PRON
cblr-3006	13	9	's	's	PART
cblr-3006	13	10	wallet	wallet	NOUN
cblr-3006	13	11	belies	belie	VERB
cblr-3006	13	12	the	the	DET
cblr-3006	13	13	extraordinarily	extraordinarily	ADV
cblr-3006	13	14	complex	complex	ADJ
cblr-3006	13	15	technological	technological	ADJ
cblr-3006	13	16	infrastructure	infrastructure	NOUN
cblr-3006	13	17	that	that	PRON
cblr-3006	13	18	supports	support	VERB
cblr-3006	13	19	payment	payment	NOUN
cblr-3006	13	20	card	card	NOUN
cblr-3006	13	21	transactions	transaction	NOUN
cblr-3006	13	22	,	,	PUNCT
cblr-3006	13	23	connecting	connect	VERB
cblr-3006	13	24	merchants	merchant	NOUN
cblr-3006	13	25	,	,	PUNCT
cblr-3006	13	26	*	*	PUNCT
cblr-3006	13	27	foundation	foundation	NOUN
cblr-3006	13	28	professor	professor	NOUN
cblr-3006	13	29	of	of	ADP
cblr-3006	13	30	law	law	NOUN
cblr-3006	13	31	,	,	PUNCT
cblr-3006	13	32	george	george	PROPN
cblr-3006	13	33	mason	mason	PROPN
cblr-3006	13	34	university	university	PROPN
cblr-3006	13	35	school	school	NOUN
cblr-3006	13	36	of	of	ADP
cblr-3006	13	37	law	law	NOUN
cblr-3006	13	38	.	.	PUNCT
cblr-3006	14	1	i	i	PRON
cblr-3006	14	2	thank	thank	VERB
cblr-3006	14	3	tom	tom	PROPN
cblr-3006	14	4	brown	brown	PROPN
cblr-3006	14	5	,	,	PUNCT
cblr-3006	14	6	schan	schan	PROPN
cblr-3006	14	7	duff	duff	PROPN
cblr-3006	14	8	,	,	PUNCT
cblr-3006	14	9	ben	ben	PROPN
cblr-3006	14	10	klein	klein	PROPN
cblr-3006	14	11	,	,	PUNCT
cblr-3006	14	12	christine	christine	PROPN
cblr-3006	14	13	wilson	wilson	PROPN
cblr-3006	14	14	,	,	PUNCT
cblr-3006	14	15	todd	todd	PROPN
cblr-3006	14	16	zywicki	zywicki	PROPN
cblr-3006	14	17	,	,	PUNCT
cblr-3006	14	18	and	and	CCONJ
cblr-3006	14	19	participants	participant	NOUN
cblr-3006	14	20	in	in	ADP
cblr-3006	14	21	the	the	DET
cblr-3006	14	22	columbia	columbia	PROPN
cblr-3006	14	23	law	law	PROPN
cblr-3006	14	24	school	school	NOUN
cblr-3006	14	25	symposium	symposium	NOUN
cblr-3006	14	26	on	on	ADP
cblr-3006	14	27	twosided	twoside	VERB
cblr-3006	14	28	markets	market	NOUN
cblr-3006	14	29	for	for	ADP
cblr-3006	14	30	their	their	PRON
cblr-3006	14	31	many	many	ADJ
cblr-3006	14	32	helpful	helpful	ADJ
cblr-3006	14	33	comments	comment	NOUN
cblr-3006	14	34	.	.	PUNCT
cblr-3006	15	1	i	i	PRON
cblr-3006	15	2	have	have	AUX
cblr-3006	15	3	consulted	consult	VERB
cblr-3006	15	4	with	with	ADP
cblr-3006	15	5	visa	visa	NOUN
cblr-3006	15	6	u.s.a	u.s.a	PROPN
cblr-3006	15	7	.	.	PUNCT
cblr-3006	16	1	on	on	ADP
cblr-3006	16	2	a	a	DET
cblr-3006	16	3	variety	variety	NOUN
cblr-3006	16	4	of	of	ADP
cblr-3006	16	5	antitrust	antitrust	ADJ
cblr-3006	16	6	and	and	CCONJ
cblr-3006	16	7	consumer	consumer	NOUN
cblr-3006	16	8	protection	protection	NOUN
cblr-3006	16	9	issues	issue	NOUN
cblr-3006	16	10	.	.	PUNCT
cblr-3006	17	1	the	the	DET
cblr-3006	17	2	views	view	NOUN
cblr-3006	17	3	expressed	express	VERB
cblr-3006	17	4	herein	herein	NOUN
cblr-3006	17	5	are	be	AUX
cblr-3006	17	6	mine	mine	PRON
cblr-3006	17	7	alone	alone	ADV
cblr-3006	17	8	.	.	PUNCT
cblr-3006	18	1	consumers	consumer	NOUN
cblr-3006	18	2	,	,	PUNCT
cblr-3006	18	3	and	and	CCONJ
cblr-3006	18	4	financial	financial	ADJ
cblr-3006	18	5	institutions	institution	NOUN
cblr-3006	18	6	seamlessly	seamlessly	ADV
cblr-3006	18	7	,	,	PUNCT
cblr-3006	18	8	efficiently	efficiently	ADV
cblr-3006	18	9	,	,	PUNCT
cblr-3006	18	10	and	and	CCONJ
cblr-3006	18	11	securely	securely	ADV
cblr-3006	18	12	.	.	PUNCT
cblr-3006	19	1	this	this	DET
cblr-3006	19	2	system	system	NOUN
cblr-3006	19	3	benefits	benefit	VERB
cblr-3006	19	4	consumers	consumer	NOUN
cblr-3006	19	5	and	and	CCONJ
cblr-3006	19	6	merchants	merchant	NOUN
cblr-3006	19	7	alike	alike	ADP
cblr-3006	19	8	-	-	PUNCT
cblr-3006	19	9	consumers	consumer	NOUN
cblr-3006	19	10	enjoy	enjoy	VERB
cblr-3006	19	11	convenience	convenience	NOUN
cblr-3006	19	12	,	,	PUNCT
cblr-3006	19	13	speed	speed	NOUN
cblr-3006	19	14	,	,	PUNCT
cblr-3006	19	15	security	security	NOUN
cblr-3006	19	16	,	,	PUNCT
cblr-3006	19	17	and	and	CCONJ
cblr-3006	19	18	accurate	accurate	ADJ
cblr-3006	19	19	recordkeeping	recordkeeping	NOUN
cblr-3006	19	20	for	for	ADP
cblr-3006	19	21	their	their	PRON
cblr-3006	19	22	cards	card	NOUN
cblr-3006	19	23	,	,	PUNCT
cblr-3006	19	24	while	while	SCONJ
cblr-3006	19	25	merchants	merchant	NOUN
cblr-3006	19	26	benefit	benefit	VERB
cblr-3006	19	27	from	from	ADP
cblr-3006	19	28	the	the	DET
cblr-3006	19	29	reliability	reliability	NOUN
cblr-3006	19	30	of	of	ADP
cblr-3006	19	31	guaranteed	guarantee	VERB
cblr-3006	19	32	payments	payment	NOUN
cblr-3006	19	33	,	,	PUNCT
cblr-3006	19	34	faster	fast	ADJ
cblr-3006	19	35	throughput	throughput	NOUN
cblr-3006	19	36	at	at	ADP
cblr-3006	19	37	the	the	DET
cblr-3006	19	38	point	point	NOUN
cblr-3006	19	39	of	of	ADP
cblr-3006	19	40	sale	sale	NOUN
cblr-3006	19	41	,	,	PUNCT
cblr-3006	19	42	and	and	CCONJ
cblr-3006	19	43	access	access	NOUN
cblr-3006	19	44	to	to	ADP
cblr-3006	19	45	tens	ten	NOUN
cblr-3006	19	46	of	of	ADP
cblr-3006	19	47	millions	million	NOUN
cblr-3006	19	48	of	of	ADP
cblr-3006	19	49	customers	customer	NOUN
cblr-3006	19	50	who	who	PRON
cblr-3006	19	51	prefer	prefer	VERB
cblr-3006	19	52	to	to	PART
cblr-3006	19	53	pay	pay	VERB
cblr-3006	19	54	with	with	ADP
cblr-3006	19	55	plastic	plastic	NOUN
cblr-3006	19	56	.	.	PUNCT
cblr-3006	20	1	billions	billion	NOUN
cblr-3006	20	2	of	of	ADP
cblr-3006	20	3	dollars	dollar	NOUN
cblr-3006	20	4	have	have	AUX
cblr-3006	20	5	been	be	AUX
cblr-3006	20	6	invested	invest	VERB
cblr-3006	20	7	to	to	PART
cblr-3006	20	8	produce	produce	VERB
cblr-3006	20	9	the	the	DET
cblr-3006	20	10	innovations	innovation	NOUN
cblr-3006	20	11	necessary	necessary	ADJ
cblr-3006	20	12	to	to	PART
cblr-3006	20	13	make	make	VERB
cblr-3006	20	14	today	today	NOUN
cblr-3006	20	15	's	's	PART
cblr-3006	20	16	system	system	NOUN
cblr-3006	20	17	function	function	NOUN
cblr-3006	20	18	.	.	PUNCT
cblr-3006	21	1	crucially	crucially	ADV
cblr-3006	21	2	,	,	PUNCT
cblr-3006	21	3	the	the	DET
cblr-3006	21	4	enormous	enormous	ADJ
cblr-3006	21	5	benefits	benefit	NOUN
cblr-3006	21	6	of	of	ADP
cblr-3006	21	7	payment	payment	NOUN
cblr-3006	21	8	cards	card	NOUN
cblr-3006	21	9	have	have	AUX
cblr-3006	21	10	developed	develop	VERB
cblr-3006	21	11	through	through	ADP
cblr-3006	21	12	market	market	NOUN
cblr-3006	21	13	competition	competition	NOUN
cblr-3006	21	14	,	,	PUNCT
cblr-3006	21	15	largely	largely	ADV
cblr-3006	21	16	free	free	ADJ
cblr-3006	21	17	from	from	ADP
cblr-3006	21	18	micromanagement	micromanagement	NOUN
cblr-3006	21	19	by	by	ADP
cblr-3006	21	20	government	government	NOUN
cblr-3006	21	21	regulators	regulator	NOUN
cblr-3006	21	22	.	.	PUNCT
cblr-3006	22	1	yet	yet	CCONJ
cblr-3006	22	2	payment	payment	NOUN
cblr-3006	22	3	card	card	NOUN
cblr-3006	22	4	companies	company	NOUN
cblr-3006	22	5	are	be	AUX
cblr-3006	22	6	increasingly	increasingly	ADV
cblr-3006	22	7	under	under	ADP
cblr-3006	22	8	attack	attack	NOUN
cblr-3006	22	9	.	.	PUNCT
cblr-3006	23	1	in	in	ADP
cblr-3006	23	2	the	the	DET
cblr-3006	23	3	united	united	PROPN
cblr-3006	23	4	states	states	PROPN
cblr-3006	23	5	,	,	PUNCT
cblr-3006	23	6	the	the	DET
cblr-3006	23	7	industry	industry	NOUN
cblr-3006	23	8	has	have	AUX
cblr-3006	23	9	become	become	VERB
cblr-3006	23	10	an	an	DET
cblr-3006	23	11	attractive	attractive	ADJ
cblr-3006	23	12	target	target	NOUN
cblr-3006	23	13	for	for	ADP
cblr-3006	23	14	the	the	DET
cblr-3006	23	15	plaintiffs	plaintiff	NOUN
cblr-3006	23	16	'	'	PART
cblr-3006	23	17	bar	bar	NOUN
cblr-3006	23	18	.	.	PUNCT
cblr-3006	23	19	'	'	PUNCT
cblr-3006	24	1	merchants	merchant	NOUN
cblr-3006	24	2	throughout	throughout	ADP
cblr-3006	24	3	the	the	DET
cblr-3006	24	4	world	world	NOUN
cblr-3006	24	5	recognize	recognize	VERB
cblr-3006	24	6	the	the	DET
cblr-3006	24	7	benefits	benefit	NOUN
cblr-3006	24	8	of	of	ADP
cblr-3006	24	9	plastic	plastic	NOUN
cblr-3006	24	10	,	,	PUNCT
cblr-3006	24	11	but	but	CCONJ
cblr-3006	24	12	have	have	AUX
cblr-3006	24	13	turned	turn	VERB
cblr-3006	24	14	to	to	ADP
cblr-3006	24	15	lawsuits	lawsuit	NOUN
cblr-3006	24	16	and	and	CCONJ
cblr-3006	24	17	regulators	regulator	NOUN
cblr-3006	24	18	to	to	PART
cblr-3006	24	19	reduce	reduce	VERB
cblr-3006	24	20	the	the	DET
cblr-3006	24	21	associated	associated	ADJ
cblr-3006	24	22	costs	cost	NOUN
cblr-3006	24	23	.	.	PUNCT
cblr-3006	25	1	australia	australia	PROPN
cblr-3006	25	2	and	and	CCONJ
cblr-3006	25	3	other	other	ADJ
cblr-3006	25	4	governments	government	NOUN
cblr-3006	25	5	have	have	AUX
cblr-3006	25	6	actually	actually	ADV
cblr-3006	25	7	imposed	impose	VERB
cblr-3006	25	8	controls	control	NOUN
cblr-3006	25	9	on	on	ADP
cblr-3006	25	10	the	the	DET
cblr-3006	25	11	price	price	NOUN
cblr-3006	25	12	that	that	PRON
cblr-3006	25	13	some	some	DET
cblr-3006	25	14	card	card	NOUN
cblr-3006	25	15	issuers	issuer	NOUN
cblr-3006	25	16	can	can	AUX
cblr-3006	25	17	charge	charge	VERB
cblr-3006	25	18	merchants	merchant	NOUN
cblr-3006	25	19	.	.	PUNCT
cblr-3006	26	1	this	this	DET
cblr-3006	26	2	article	article	NOUN
cblr-3006	26	3	considers	consider	VERB
cblr-3006	26	4	actions	action	NOUN
cblr-3006	26	5	against	against	ADP
cblr-3006	26	6	payment	payment	NOUN
cblr-3006	26	7	card	card	NOUN
cblr-3006	26	8	companies	company	NOUN
cblr-3006	26	9	in	in	ADP
cblr-3006	26	10	light	light	NOUN
cblr-3006	26	11	of	of	ADP
cblr-3006	26	12	the	the	DET
cblr-3006	26	13	economics	economic	NOUN
cblr-3006	26	14	of	of	ADP
cblr-3006	26	15	two	two	NUM
cblr-3006	26	16	-	-	PUNCT
cblr-3006	26	17	sided	sided	ADJ
cblr-3006	26	18	markets	market	NOUN
cblr-3006	26	19	.	.	PUNCT
cblr-3006	27	1	one	one	NUM
cblr-3006	27	2	side	side	NOUN
cblr-3006	27	3	of	of	ADP
cblr-3006	27	4	the	the	DET
cblr-3006	27	5	payment	payment	NOUN
cblr-3006	27	6	card	card	NOUN
cblr-3006	27	7	market	market	NOUN
cblr-3006	27	8	consists	consist	VERB
cblr-3006	27	9	of	of	ADP
cblr-3006	27	10	the	the	DET
cblr-3006	27	11	consumer	consumer	NOUN
cblr-3006	27	12	and	and	CCONJ
cblr-3006	27	13	the	the	DET
cblr-3006	27	14	card	card	NOUN
cblr-3006	27	15	issuer	issuer	NOUN
cblr-3006	27	16	,	,	PUNCT
cblr-3006	27	17	and	and	CCONJ
cblr-3006	27	18	the	the	DET
cblr-3006	27	19	other	other	ADJ
cblr-3006	27	20	consists	consist	VERB
cblr-3006	27	21	of	of	ADP
cblr-3006	27	22	the	the	DET
cblr-3006	27	23	acquirer	acquirer	NOUN
cblr-3006	27	24	(	(	PUNCT
cblr-3006	27	25	or	or	CCONJ
cblr-3006	27	26	an	an	DET
cblr-3006	27	27	intermediary	intermediary	NOUN
cblr-3006	27	28	)	)	PUNCT
cblr-3006	27	29	and	and	CCONJ
cblr-3006	27	30	the	the	DET
cblr-3006	27	31	merchant	merchant	NOUN
cblr-3006	27	32	.	.	PUNCT
cblr-3006	28	1	for	for	SCONJ
cblr-3006	28	2	the	the	DET
cblr-3006	28	3	system	system	NOUN
cblr-3006	28	4	to	to	PART
cblr-3006	28	5	function	function	VERB
cblr-3006	28	6	,	,	PUNCT
cblr-3006	28	7	consumers	consumer	NOUN
cblr-3006	28	8	must	must	AUX
cblr-3006	28	9	carry	carry	VERB
cblr-3006	28	10	cards	card	NOUN
cblr-3006	28	11	and	and	CCONJ
cblr-3006	28	12	merchants	merchant	NOUN
cblr-3006	28	13	must	must	AUX
cblr-3006	28	14	accept	accept	VERB
cblr-3006	28	15	them	they	PRON
cblr-3006	28	16	.	.	PUNCT
cblr-3006	29	1	neither	neither	DET
cblr-3006	29	2	side	side	NOUN
cblr-3006	29	3	can	can	AUX
cblr-3006	29	4	be	be	AUX
cblr-3006	29	5	considered	consider	VERB
cblr-3006	29	6	in	in	ADP
cblr-3006	29	7	isolation	isolation	NOUN
cblr-3006	29	8	;	;	PUNCT
cblr-3006	29	9	rather	rather	ADV
cblr-3006	29	10	,	,	PUNCT
cblr-3006	29	11	understanding	understand	VERB
cblr-3006	29	12	the	the	DET
cblr-3006	29	13	interrelation	interrelation	NOUN
cblr-3006	29	14	between	between	ADP
cblr-3006	29	15	the	the	DET
cblr-3006	29	16	two	two	NUM
cblr-3006	29	17	is	be	AUX
cblr-3006	29	18	crucial	crucial	ADJ
cblr-3006	29	19	.	.	PUNCT
cblr-3006	30	1	this	this	DET
cblr-3006	30	2	two	two	NUM
cblr-3006	30	3	-	-	PUNCT
cblr-3006	30	4	sided	sided	ADJ
cblr-3006	30	5	feature	feature	NOUN
cblr-3006	30	6	dramatically	dramatically	ADV
cblr-3006	30	7	expands	expand	VERB
cblr-3006	30	8	the	the	DET
cblr-3006	30	9	challenge	challenge	NOUN
cblr-3006	30	10	for	for	ADP
cblr-3006	30	11	those	those	PRON
cblr-3006	30	12	attempting	attempt	VERB
cblr-3006	30	13	to	to	PART
cblr-3006	30	14	formulate	formulate	VERB
cblr-3006	30	15	sensible	sensible	ADJ
cblr-3006	30	16	regulations	regulation	NOUN
cblr-3006	30	17	.	.	PUNCT
cblr-3006	31	1	because	because	SCONJ
cblr-3006	31	2	participants	participant	NOUN
cblr-3006	31	3	on	on	ADP
cblr-3006	31	4	each	each	DET
cblr-3006	31	5	side	side	NOUN
cblr-3006	31	6	of	of	ADP
cblr-3006	31	7	the	the	DET
cblr-3006	31	8	card	card	NOUN
cblr-3006	31	9	transaction	transaction	NOUN
cblr-3006	31	10	simultaneously	simultaneously	ADV
cblr-3006	31	11	generate	generate	VERB
cblr-3006	31	12	costs	cost	NOUN
cblr-3006	31	13	and	and	CCONJ
cblr-3006	31	14	benefits	benefit	NOUN
cblr-3006	31	15	for	for	ADP
cblr-3006	31	16	one	one	NUM
cblr-3006	31	17	another	another	DET
cblr-3006	31	18	,	,	PUNCT
cblr-3006	31	19	pricing	pricing	NOUN
cblr-3006	31	20	according	accord	VERB
cblr-3006	31	21	to	to	ADP
cblr-3006	31	22	marginal	marginal	ADJ
cblr-3006	31	23	costs	cost	NOUN
cblr-3006	31	24	and	and	CCONJ
cblr-3006	31	25	other	other	ADJ
cblr-3006	31	26	traditional	traditional	ADJ
cblr-3006	31	27	measures	measure	NOUN
cblr-3006	31	28	of	of	ADP
cblr-3006	31	29	market	market	NOUN
cblr-3006	31	30	efficiency	efficiency	NOUN
cblr-3006	31	31	has	have	VERB
cblr-3006	31	32	little	little	ADJ
cblr-3006	31	33	relevance	relevance	NOUN
cblr-3006	31	34	.	.	PUNCT
cblr-3006	32	1	unfortunately	unfortunately	ADV
cblr-3006	32	2	,	,	PUNCT
cblr-3006	32	3	most	most	ADJ
cblr-3006	32	4	legal	legal	ADJ
cblr-3006	32	5	interventions	intervention	NOUN
cblr-3006	32	6	in	in	ADP
cblr-3006	32	7	the	the	DET
cblr-3006	32	8	'	'	PUNCT
cblr-3006	32	9	see	see	NOUN
cblr-3006	32	10	,	,	PUNCT
cblr-3006	32	11	e.g.	e.g.	ADV
cblr-3006	32	12	,	,	PUNCT
cblr-3006	32	13	kendall	kendall	PROPN
cblr-3006	32	14	v.	v.	PROPN
cblr-3006	32	15	visa	visa	PROPN
cblr-3006	32	16	u.s.a	u.s.a	PROPN
cblr-3006	32	17	,	,	PUNCT
cblr-3006	32	18	inc	inc	PROPN
cblr-3006	32	19	.	.	PROPN
cblr-3006	32	20	,	,	PUNCT
cblr-3006	32	21	2005	2005	NUM
cblr-3006	32	22	u.s	u.s	PROPN
cblr-3006	32	23	.	.	PROPN
cblr-3006	32	24	dist	dist	PROPN
cblr-3006	32	25	.	.	PUNCT
cblr-3006	33	1	lexis	lexis	NOUN
cblr-3006	33	2	21450	21450	NUM
cblr-3006	33	3	(	(	PUNCT
cblr-3006	33	4	n.d	n.d	PROPN
cblr-3006	33	5	.	.	PROPN
cblr-3006	33	6	cal	cal	PROPN
cblr-3006	33	7	.	.	PUNCT
cblr-3006	34	1	july	july	PROPN
cblr-3006	34	2	25	25	NUM
cblr-3006	34	3	,	,	PUNCT
cblr-3006	34	4	2005	2005	NUM
cblr-3006	34	5	)	)	PUNCT
cblr-3006	34	6	(	(	PUNCT
cblr-3006	34	7	motion	motion	NOUN
cblr-3006	34	8	to	to	PART
cblr-3006	34	9	dismiss	dismiss	VERB
cblr-3006	34	10	granted	grant	VERB
cblr-3006	34	11	)	)	PUNCT
cblr-3006	34	12	.	.	PUNCT
cblr-3006	35	1	col	col	PROPN
cblr-3006	35	2	umia	umia	PROPN
cblr-3006	35	3	b	b	PROPN
cblr-3006	35	4	usiness	usiness	PROPN
cblr-3006	35	5	la	la	PROPN
cblr-3006	35	6	w	w	PROPN
cblr-3006	35	7	re	re	PROPN
cblr-3006	35	8	vie	vie	PROPN
cblr-3006	35	9	w	w	PROPN
cblr-3006	35	10	(	(	PUNCT
cblr-3006	35	11	vol	vol	NOUN
cblr-3006	35	12	.	.	NOUN
cblr-3006	35	13	2005	2005	NUM
cblr-3006	35	14	payment	payment	NOUN
cblr-3006	35	15	card	card	NOUN
cblr-3006	35	16	industry	industry	NOUN
cblr-3006	35	17	to	to	ADP
cblr-3006	35	18	date	date	NOUN
cblr-3006	35	19	have	have	AUX
cblr-3006	35	20	ignored	ignore	VERB
cblr-3006	35	21	the	the	DET
cblr-3006	35	22	dynamics	dynamic	NOUN
cblr-3006	35	23	of	of	ADP
cblr-3006	35	24	this	this	DET
cblr-3006	35	25	two	two	NUM
cblr-3006	35	26	-	-	PUNCT
cblr-3006	35	27	sided	sided	ADJ
cblr-3006	35	28	market	market	NOUN
cblr-3006	35	29	.	.	PUNCT
cblr-3006	36	1	section	section	NOUN
cblr-3006	36	2	ii	ii	PROPN
cblr-3006	36	3	of	of	ADP
cblr-3006	36	4	this	this	DET
cblr-3006	36	5	article	article	NOUN
cblr-3006	36	6	briefly	briefly	ADV
cblr-3006	36	7	summarizes	summarize	VERB
cblr-3006	36	8	the	the	DET
cblr-3006	36	9	relevant	relevant	ADJ
cblr-3006	36	10	economic	economic	ADJ
cblr-3006	36	11	literature	literature	NOUN
cblr-3006	36	12	regarding	regard	VERB
cblr-3006	36	13	two	two	NUM
cblr-3006	36	14	-	-	PUNCT
cblr-3006	36	15	sided	sided	ADJ
cblr-3006	36	16	markets	market	NOUN
cblr-3006	36	17	.	.	PUNCT
cblr-3006	37	1	section	section	NOUN
cblr-3006	37	2	iii	iii	PROPN
cblr-3006	37	3	provides	provide	VERB
cblr-3006	37	4	an	an	DET
cblr-3006	37	5	overview	overview	NOUN
cblr-3006	37	6	of	of	ADP
cblr-3006	37	7	the	the	DET
cblr-3006	37	8	payment	payment	NOUN
cblr-3006	37	9	card	card	NOUN
cblr-3006	37	10	industry	industry	NOUN
cblr-3006	37	11	,	,	PUNCT
cblr-3006	37	12	and	and	CCONJ
cblr-3006	37	13	section	section	NOUN
cblr-3006	37	14	iv	iv	NUM
cblr-3006	37	15	discusses	discuss	VERB
cblr-3006	37	16	the	the	DET
cblr-3006	37	17	many	many	ADJ
cblr-3006	37	18	benefits	benefit	NOUN
cblr-3006	37	19	of	of	ADP
cblr-3006	37	20	payment	payment	NOUN
cblr-3006	37	21	cards	card	NOUN
cblr-3006	37	22	.	.	PUNCT
cblr-3006	38	1	section	section	NOUN
cblr-3006	38	2	v	v	PROPN
cblr-3006	38	3	then	then	ADV
cblr-3006	38	4	considers	consider	VERB
cblr-3006	38	5	one	one	NUM
cblr-3006	38	6	recent	recent	ADJ
cblr-3006	38	7	example	example	NOUN
cblr-3006	38	8	of	of	ADP
cblr-3006	38	9	government	government	NOUN
cblr-3006	38	10	intervention	intervention	NOUN
cblr-3006	38	11	:	:	PUNCT
cblr-3006	38	12	australia	australia	PROPN
cblr-3006	38	13	's	's	PART
cblr-3006	38	14	regulation	regulation	NOUN
cblr-3006	38	15	of	of	ADP
cblr-3006	38	16	the	the	DET
cblr-3006	38	17	fees	fee	NOUN
cblr-3006	38	18	that	that	SCONJ
cblr-3006	38	19	certain	certain	ADJ
cblr-3006	38	20	card	card	NOUN
cblr-3006	38	21	issuers	issuer	NOUN
cblr-3006	38	22	charge	charge	VERB
cblr-3006	38	23	for	for	ADP
cblr-3006	38	24	their	their	PRON
cblr-3006	38	25	services	service	NOUN
cblr-3006	38	26	.	.	PUNCT
cblr-3006	39	1	section	section	NOUN
cblr-3006	39	2	vi	vi	PROPN
cblr-3006	39	3	offers	offer	VERB
cblr-3006	39	4	concluding	conclude	VERB
cblr-3006	39	5	remarks	remark	NOUN
cblr-3006	39	6	.	.	PUNCT
cblr-3006	40	1	ii	ii	X
cblr-3006	40	2	.	.	PUNCT
cblr-3006	41	1	the	the	DET
cblr-3006	41	2	economics	economic	NOUN
cblr-3006	41	3	of	of	ADP
cblr-3006	41	4	two	two	NUM
cblr-3006	41	5	-	-	PUNCT
cblr-3006	41	6	sided	sided	ADJ
cblr-3006	41	7	markets	market	NOUN
cblr-3006	41	8	two	two	NUM
cblr-3006	41	9	-	-	PUNCT
cblr-3006	41	10	sided	sided	ADJ
cblr-3006	41	11	markets	market	NOUN
cblr-3006	41	12	are	be	AUX
cblr-3006	41	13	common	common	ADJ
cblr-3006	41	14	in	in	ADP
cblr-3006	41	15	today	today	NOUN
cblr-3006	41	16	's	's	PART
cblr-3006	41	17	economy.2	economy.2	PROPN
cblr-3006	41	18	newspapers	newspaper	NOUN
cblr-3006	41	19	,	,	PUNCT
cblr-3006	41	20	for	for	ADP
cblr-3006	41	21	example	example	NOUN
cblr-3006	41	22	,	,	PUNCT
cblr-3006	41	23	link	link	VERB
cblr-3006	41	24	readers	reader	NOUN
cblr-3006	41	25	and	and	CCONJ
cblr-3006	41	26	advertisers	advertiser	NOUN
cblr-3006	41	27	and	and	CCONJ
cblr-3006	41	28	thus	thus	ADV
cblr-3006	41	29	provide	provide	VERB
cblr-3006	41	30	one	one	NUM
cblr-3006	41	31	example	example	NOUN
cblr-3006	41	32	of	of	ADP
cblr-3006	41	33	a	a	DET
cblr-3006	41	34	two	two	NUM
cblr-3006	41	35	-	-	PUNCT
cblr-3006	41	36	sided	sided	ADJ
cblr-3006	41	37	market	market	NOUN
cblr-3006	41	38	.	.	PUNCT
cblr-3006	42	1	a	a	DET
cblr-3006	42	2	newspaper	newspaper	NOUN
cblr-3006	42	3	without	without	ADP
cblr-3006	42	4	readers	reader	NOUN
cblr-3006	42	5	will	will	AUX
cblr-3006	42	6	not	not	PART
cblr-3006	42	7	attract	attract	VERB
cblr-3006	42	8	advertisers	advertiser	NOUN
cblr-3006	42	9	,	,	PUNCT
cblr-3006	42	10	and	and	CCONJ
cblr-3006	42	11	increasing	increase	VERB
cblr-3006	42	12	the	the	DET
cblr-3006	42	13	price	price	NOUN
cblr-3006	42	14	of	of	ADP
cblr-3006	42	15	a	a	DET
cblr-3006	42	16	newspaper	newspaper	NOUN
cblr-3006	42	17	to	to	PART
cblr-3006	42	18	compensate	compensate	VERB
cblr-3006	42	19	for	for	ADP
cblr-3006	42	20	the	the	DET
cblr-3006	42	21	absence	absence	NOUN
cblr-3006	42	22	of	of	ADP
cblr-3006	42	23	revenue	revenue	NOUN
cblr-3006	42	24	from	from	ADP
cblr-3006	42	25	advertisers	advertiser	NOUN
cblr-3006	42	26	will	will	AUX
cblr-3006	42	27	turn	turn	VERB
cblr-3006	42	28	away	away	ADP
cblr-3006	42	29	readers	reader	NOUN
cblr-3006	42	30	.	.	PUNCT
cblr-3006	43	1	three	three	NUM
cblr-3006	43	2	conditions	condition	NOUN
cblr-3006	43	3	must	must	AUX
cblr-3006	43	4	be	be	AUX
cblr-3006	43	5	present	present	ADJ
cblr-3006	43	6	in	in	ADP
cblr-3006	43	7	a	a	DET
cblr-3006	43	8	two	two	NUM
cblr-3006	43	9	-	-	PUNCT
cblr-3006	43	10	sided	sided	ADJ
cblr-3006	43	11	market	market	NOUN
cblr-3006	43	12	:	:	PUNCT
cblr-3006	43	13	(	(	PUNCT
cblr-3006	43	14	1	1	X
cblr-3006	43	15	)	)	PUNCT
cblr-3006	43	16	two	two	NUM
cblr-3006	43	17	distinct	distinct	ADJ
cblr-3006	43	18	groups	group	NOUN
cblr-3006	43	19	of	of	ADP
cblr-3006	43	20	customers	customer	NOUN
cblr-3006	43	21	;	;	PUNCT
cblr-3006	43	22	(	(	PUNCT
cblr-3006	43	23	2	2	X
cblr-3006	43	24	)	)	PUNCT
cblr-3006	43	25	the	the	DET
cblr-3006	43	26	value	value	NOUN
cblr-3006	43	27	obtained	obtain	VERB
cblr-3006	43	28	by	by	ADP
cblr-3006	43	29	one	one	NUM
cblr-3006	43	30	group	group	NOUN
cblr-3006	43	31	increases	increase	VERB
cblr-3006	43	32	with	with	ADP
cblr-3006	43	33	the	the	DET
cblr-3006	43	34	size	size	NOUN
cblr-3006	43	35	of	of	ADP
cblr-3006	43	36	the	the	DET
cblr-3006	43	37	other	other	ADJ
cblr-3006	43	38	;	;	PUNCT
cblr-3006	43	39	and	and	CCONJ
cblr-3006	43	40	(	(	PUNCT
cblr-3006	43	41	3	3	X
cblr-3006	43	42	)	)	PUNCT
cblr-3006	43	43	an	an	DET
cblr-3006	43	44	intermediary	intermediary	NOUN
cblr-3006	43	45	connects	connect	VERB
cblr-3006	43	46	the	the	DET
cblr-3006	43	47	two	two	NUM
cblr-3006	43	48	.	.	PUNCT
cblr-3006	44	1	coordination	coordination	NOUN
cblr-3006	44	2	of	of	ADP
cblr-3006	44	3	two	two	NUM
cblr-3006	44	4	-	-	PUNCT
cblr-3006	44	5	sided	side	VERB
cblr-3006	44	6	markets	market	NOUN
cblr-3006	44	7	requires	require	VERB
cblr-3006	44	8	that	that	SCONJ
cblr-3006	44	9	this	this	DET
cblr-3006	44	10	intermediary	intermediary	NOUN
cblr-3006	44	11	or	or	CCONJ
cblr-3006	44	12	"	"	PUNCT
cblr-3006	44	13	middleman	middleman	NOUN
cblr-3006	44	14	"	"	PUNCT
cblr-3006	44	15	2	2	NUM
cblr-3006	44	16	the	the	DET
cblr-3006	44	17	literature	literature	NOUN
cblr-3006	44	18	on	on	ADP
cblr-3006	44	19	the	the	DET
cblr-3006	44	20	economics	economic	NOUN
cblr-3006	44	21	of	of	ADP
cblr-3006	44	22	the	the	DET
cblr-3006	44	23	payment	payment	NOUN
cblr-3006	44	24	card	card	NOUN
cblr-3006	44	25	industry	industry	NOUN
cblr-3006	44	26	is	be	AUX
cblr-3006	44	27	voluminous	voluminous	ADJ
cblr-3006	44	28	.	.	PUNCT
cblr-3006	45	1	many	many	ADJ
cblr-3006	45	2	of	of	ADP
cblr-3006	45	3	the	the	DET
cblr-3006	45	4	leading	lead	VERB
cblr-3006	45	5	papers	paper	NOUN
cblr-3006	45	6	have	have	AUX
cblr-3006	45	7	been	be	AUX
cblr-3006	45	8	collected	collect	VERB
cblr-3006	45	9	in	in	ADP
cblr-3006	45	10	two	two	NUM
cblr-3006	45	11	volumes	volume	NOUN
cblr-3006	45	12	of	of	ADP
cblr-3006	45	13	the	the	DET
cblr-3006	45	14	payment	payment	NOUN
cblr-3006	45	15	card	card	NOUN
cblr-3006	45	16	economics	economic	NOUN
cblr-3006	45	17	review	review	NOUN
cblr-3006	45	18	.	.	PUNCT
cblr-3006	46	1	see	see	VERB
cblr-3006	46	2	two	two	NUM
cblr-3006	46	3	-	-	PUNCT
cblr-3006	46	4	sided	sided	ADJ
cblr-3006	46	5	markets	market	NOUN
cblr-3006	46	6	and	and	CCONJ
cblr-3006	46	7	interchange	interchange	NOUN
cblr-3006	46	8	fees	fee	NOUN
cblr-3006	46	9	,	,	PUNCT
cblr-3006	46	10	1	1	NUM
cblr-3006	46	11	payment	payment	NOUN
cblr-3006	46	12	card	card	NOUN
cblr-3006	46	13	econ	econ	NOUN
cblr-3006	46	14	.	.	PUNCT
cblr-3006	47	1	rev	rev	PROPN
cblr-3006	47	2	.	.	PROPN
cblr-3006	48	1	(	(	PUNCT
cblr-3006	48	2	2003	2003	NUM
cblr-3006	48	3	)	)	PUNCT
cblr-3006	48	4	and	and	CCONJ
cblr-3006	48	5	the	the	DET
cblr-3006	48	6	industry	industry	NOUN
cblr-3006	48	7	and	and	CCONJ
cblr-3006	48	8	its	its	PRON
cblr-3006	48	9	legal	legal	ADJ
cblr-3006	48	10	challenges	challenge	NOUN
cblr-3006	48	11	,	,	PUNCT
cblr-3006	48	12	2	2	NUM
cblr-3006	48	13	payment	payment	NOUN
cblr-3006	48	14	card	card	NOUN
cblr-3006	48	15	econ	econ	NOUN
cblr-3006	48	16	.	.	PUNCT
cblr-3006	49	1	rev	rev	PROPN
cblr-3006	49	2	.	.	PROPN
cblr-3006	50	1	(	(	PUNCT
cblr-3006	50	2	2004	2004	NUM
cblr-3006	50	3	)	)	PUNCT
cblr-3006	50	4	and	and	CCONJ
cblr-3006	50	5	sources	source	NOUN
cblr-3006	50	6	cited	cite	VERB
cblr-3006	50	7	therein	therein	ADV
cblr-3006	50	8	.	.	PUNCT
cblr-3006	51	1	see	see	VERB
cblr-3006	51	2	also	also	ADV
cblr-3006	51	3	david	david	PROPN
cblr-3006	51	4	s.	s.	PROPN
cblr-3006	51	5	evans	evans	PROPN
cblr-3006	51	6	&	&	CCONJ
cblr-3006	51	7	richard	richard	PROPN
cblr-3006	51	8	schmalensee	schmalensee	PROPN
cblr-3006	51	9	,	,	PUNCT
cblr-3006	51	10	paying	pay	VERB
cblr-3006	51	11	with	with	ADP
cblr-3006	51	12	plastic	plastic	NOUN
cblr-3006	51	13	:	:	PUNCT
cblr-3006	51	14	the	the	DET
cblr-3006	51	15	digital	digital	ADJ
cblr-3006	51	16	revolution	revolution	NOUN
cblr-3006	51	17	in	in	ADP
cblr-3006	51	18	buying	buying	NOUN
cblr-3006	51	19	and	and	CCONJ
cblr-3006	51	20	borrowing	borrow	VERB
cblr-3006	51	21	133	133	NUM
cblr-3006	51	22	(	(	PUNCT
cblr-3006	51	23	2d	2d	NUM
cblr-3006	51	24	ed	ed	NOUN
cblr-3006	51	25	.	.	PROPN
cblr-3006	51	26	2005	2005	NUM
cblr-3006	51	27	)	)	PUNCT
cblr-3006	51	28	;	;	PUNCT
cblr-3006	51	29	benjamin	benjamin	PROPN
cblr-3006	51	30	klein	klein	PROPN
cblr-3006	51	31	et	et	PROPN
cblr-3006	51	32	al	al	PROPN
cblr-3006	51	33	.	.	PROPN
cblr-3006	51	34	,	,	PUNCT
cblr-3006	51	35	competition	competition	NOUN
cblr-3006	51	36	in	in	ADP
cblr-3006	51	37	two	two	NUM
cblr-3006	51	38	-	-	PUNCT
cblr-3006	51	39	sided	sided	ADJ
cblr-3006	51	40	markets	market	NOUN
cblr-3006	51	41	:	:	PUNCT
cblr-3006	51	42	the	the	DET
cblr-3006	51	43	antitrust	antitrust	ADJ
cblr-3006	51	44	economics	economic	NOUN
cblr-3006	51	45	of	of	ADP
cblr-3006	51	46	payment	payment	NOUN
cblr-3006	51	47	card	card	NOUN
cblr-3006	51	48	interchange	interchange	NOUN
cblr-3006	51	49	fees	fee	NOUN
cblr-3006	51	50	,	,	PUNCT
cblr-3006	51	51	antitrust	antitrust	ADJ
cblr-3006	51	52	l.j	l.j	NOUN
cblr-3006	51	53	.	.	PUNCT
cblr-3006	52	1	(	(	PUNCT
cblr-3006	52	2	forthcoming	forthcoming	ADJ
cblr-3006	52	3	2005	2005	NUM
cblr-3006	52	4	)	)	PUNCT
cblr-3006	52	5	(	(	PUNCT
cblr-3006	52	6	manuscript	manuscript	NOUN
cblr-3006	52	7	on	on	ADP
cblr-3006	52	8	file	file	NOUN
cblr-3006	52	9	with	with	ADP
cblr-3006	52	10	authors	author	NOUN
cblr-3006	52	11	)	)	PUNCT
cblr-3006	52	12	;	;	PUNCT
cblr-3006	52	13	jeancharles	jeancharles	PROPN
cblr-3006	52	14	rochet	rochet	PROPN
cblr-3006	52	15	&	&	CCONJ
cblr-3006	52	16	jean	jean	PROPN
cblr-3006	52	17	tirole	tirole	PROPN
cblr-3006	52	18	,	,	PUNCT
cblr-3006	52	19	cooperation	cooperation	NOUN
cblr-3006	52	20	among	among	ADP
cblr-3006	52	21	competitors	competitor	NOUN
cblr-3006	52	22	:	:	PUNCT
cblr-3006	52	23	some	some	DET
cblr-3006	52	24	economics	economic	NOUN
cblr-3006	52	25	of	of	ADP
cblr-3006	52	26	payment	payment	NOUN
cblr-3006	52	27	card	card	NOUN
cblr-3006	52	28	associations	association	NOUN
cblr-3006	52	29	,	,	PUNCT
cblr-3006	52	30	33	33	NUM
cblr-3006	52	31	rand	rand	NOUN
cblr-3006	52	32	j.	j.	PROPN
cblr-3006	52	33	econ	econ	PROPN
cblr-3006	52	34	.	.	PUNCT
cblr-3006	53	1	549	549	NUM
cblr-3006	53	2	(	(	PUNCT
cblr-3006	53	3	2002	2002	NUM
cblr-3006	53	4	)	)	PUNCT
cblr-3006	54	1	[	[	X
cblr-3006	54	2	hereinafter	hereinafter	NOUN
cblr-3006	54	3	rochet	rochet	NOUN
cblr-3006	54	4	&	&	CCONJ
cblr-3006	54	5	tirole	tirole	PROPN
cblr-3006	54	6	,	,	PUNCT
cblr-3006	54	7	cooperation	cooperation	NOUN
cblr-3006	54	8	among	among	ADP
cblr-3006	54	9	competitors	competitor	NOUN
cblr-3006	54	10	]	]	PUNCT
cblr-3006	54	11	;	;	PUNCT
cblr-3006	54	12	jeancharles	jeancharles	PROPN
cblr-3006	54	13	rochet	rochet	PROPN
cblr-3006	54	14	&	&	CCONJ
cblr-3006	54	15	jean	jean	PROPN
cblr-3006	54	16	tirole	tirole	PROPN
cblr-3006	54	17	,	,	PUNCT
cblr-3006	54	18	platform	platform	NOUN
cblr-3006	54	19	competition	competition	NOUN
cblr-3006	54	20	in	in	ADP
cblr-3006	54	21	two	two	NUM
cblr-3006	54	22	-	-	PUNCT
cblr-3006	54	23	sided	sided	ADJ
cblr-3006	54	24	markets	market	NOUN
cblr-3006	54	25	,	,	PUNCT
cblr-3006	54	26	1	1	NUM
cblr-3006	54	27	j.	j.	PROPN
cblr-3006	54	28	eur	eur	PROPN
cblr-3006	54	29	.	.	PUNCT
cblr-3006	54	30	econ	econ	PROPN
cblr-3006	54	31	.	.	PUNCT
cblr-3006	55	1	ass'n	ass'n	ADP
cblr-3006	55	2	990	990	NUM
cblr-3006	55	3	(	(	PUNCT
cblr-3006	55	4	2003	2003	NUM
cblr-3006	55	5	)	)	PUNCT
cblr-3006	55	6	;	;	PUNCT
cblr-3006	55	7	todd	todd	PROPN
cblr-3006	55	8	j.	j.	PROPN
cblr-3006	55	9	zywicki	zywicki	PROPN
cblr-3006	55	10	,	,	PUNCT
cblr-3006	55	11	the	the	DET
cblr-3006	55	12	economics	economic	NOUN
cblr-3006	55	13	of	of	ADP
cblr-3006	55	14	credit	credit	NOUN
cblr-3006	55	15	cards	card	NOUN
cblr-3006	55	16	,	,	PUNCT
cblr-3006	55	17	3	3	NUM
cblr-3006	55	18	chap	chap	NOUN
cblr-3006	55	19	.	.	PUNCT
cblr-3006	56	1	l.	l.	PROPN
cblr-3006	56	2	rev	rev	PROPN
cblr-3006	56	3	.	.	PROPN
cblr-3006	56	4	79	79	NUM
cblr-3006	56	5	(	(	PUNCT
cblr-3006	56	6	2000	2000	NUM
cblr-3006	56	7	)	)	PUNCT
cblr-3006	57	1	[	[	X
cblr-3006	57	2	hereinafter	hereinafter	NOUN
cblr-3006	57	3	zywicki	zywicki	NOUN
cblr-3006	57	4	,	,	PUNCT
cblr-3006	57	5	economics	economic	NOUN
cblr-3006	57	6	of	of	ADP
cblr-3006	57	7	credit	credit	NOUN
cblr-3006	57	8	cards	card	NOUN
cblr-3006	57	9	]	]	PUNCT
cblr-3006	57	10	.	.	PUNCT
cblr-3006	58	1	no	no	INTJ
cblr-3006	58	2	.	.	PUNCT
cblr-3006	59	1	3:515	3:515	NUM
cblr-3006	59	2	]	]	X
cblr-3006	59	3	the	the	DET
cblr-3006	59	4	economifcs	economifcs	NOUN
cblr-3006	59	5	of	of	ADP
cblr-3006	59	6	two	two	NUM
cblr-3006	59	7	-	-	PUNCT
cblr-3006	59	8	sided	side	VERB
cblr-3006	59	9	mrkets	mrket	NOUN
cblr-3006	59	10	create	create	VERB
cblr-3006	59	11	a	a	DET
cblr-3006	59	12	platform	platform	NOUN
cblr-3006	59	13	for	for	SCONJ
cblr-3006	59	14	the	the	DET
cblr-3006	59	15	groups	group	NOUN
cblr-3006	59	16	to	to	PART
cblr-3006	59	17	interact	interact	VERB
cblr-3006	59	18	.	.	PUNCT
cblr-3006	60	1	the	the	DET
cblr-3006	60	2	intermediary	intermediary	NOUN
cblr-3006	60	3	must	must	AUX
cblr-3006	60	4	ensure	ensure	VERB
cblr-3006	60	5	the	the	DET
cblr-3006	60	6	existence	existence	NOUN
cblr-3006	60	7	of	of	ADP
cblr-3006	60	8	a	a	DET
cblr-3006	60	9	critical	critical	ADJ
cblr-3006	60	10	mass	mass	NOUN
cblr-3006	60	11	on	on	ADP
cblr-3006	60	12	both	both	DET
cblr-3006	60	13	sides	side	NOUN
cblr-3006	60	14	.	.	PUNCT
cblr-3006	61	1	which	which	DET
cblr-3006	61	2	side	side	NOUN
cblr-3006	61	3	of	of	ADP
cblr-3006	61	4	the	the	DET
cblr-3006	61	5	market	market	NOUN
cblr-3006	61	6	exists	exist	VERB
cblr-3006	61	7	first	first	ADV
cblr-3006	61	8	is	be	AUX
cblr-3006	61	9	not	not	PART
cblr-3006	61	10	crucial	crucial	ADJ
cblr-3006	61	11	;	;	PUNCT
cblr-3006	61	12	what	what	PRON
cblr-3006	61	13	does	do	AUX
cblr-3006	61	14	matter	matter	VERB
cblr-3006	61	15	is	be	AUX
cblr-3006	61	16	that	that	SCONJ
cblr-3006	61	17	"	"	PUNCT
cblr-3006	61	18	the	the	DET
cblr-3006	61	19	product	product	NOUN
cblr-3006	61	20	may	may	AUX
cblr-3006	61	21	not	not	PART
cblr-3006	61	22	exist	exist	VERB
cblr-3006	61	23	at	at	ADV
cblr-3006	61	24	all	all	ADV
cblr-3006	61	25	if	if	SCONJ
cblr-3006	61	26	the	the	DET
cblr-3006	61	27	business	business	NOUN
cblr-3006	61	28	does	do	AUX
cblr-3006	61	29	not	not	PART
cblr-3006	61	30	get	get	VERB
cblr-3006	61	31	the	the	DET
cblr-3006	61	32	price	price	NOUN
cblr-3006	61	33	structure	structure	NOUN
cblr-3006	61	34	right	right	ADV
cblr-3006	61	35	.	.	PUNCT
cblr-3006	62	1	"3	"3	NOUN
cblr-3006	62	2	coordinating	coordinate	VERB
cblr-3006	62	3	the	the	DET
cblr-3006	62	4	two	two	NUM
cblr-3006	62	5	sides	side	NOUN
cblr-3006	62	6	can	can	AUX
cblr-3006	62	7	result	result	VERB
cblr-3006	62	8	in	in	ADP
cblr-3006	62	9	behavior	behavior	NOUN
cblr-3006	62	10	that	that	PRON
cblr-3006	62	11	appears	appear	VERB
cblr-3006	62	12	irrational	irrational	ADJ
cblr-3006	62	13	when	when	SCONJ
cblr-3006	62	14	examined	examine	VERB
cblr-3006	62	15	in	in	ADP
cblr-3006	62	16	isolation	isolation	NOUN
cblr-3006	62	17	.	.	PUNCT
cblr-3006	63	1	for	for	ADP
cblr-3006	63	2	instance	instance	NOUN
cblr-3006	63	3	,	,	PUNCT
cblr-3006	63	4	one	one	PRON
cblr-3006	63	5	might	might	AUX
cblr-3006	63	6	argue	argue	VERB
cblr-3006	63	7	that	that	SCONJ
cblr-3006	63	8	the	the	DET
cblr-3006	63	9	price	price	NOUN
cblr-3006	63	10	that	that	PRON
cblr-3006	63	11	readers	reader	NOUN
cblr-3006	63	12	pay	pay	VERB
cblr-3006	63	13	for	for	ADP
cblr-3006	63	14	newspapers	newspaper	NOUN
cblr-3006	63	15	is	be	AUX
cblr-3006	63	16	too	too	ADV
cblr-3006	63	17	low	low	ADJ
cblr-3006	63	18	because	because	SCONJ
cblr-3006	63	19	it	it	PRON
cblr-3006	63	20	fails	fail	VERB
cblr-3006	63	21	to	to	PART
cblr-3006	63	22	cover	cover	VERB
cblr-3006	63	23	the	the	DET
cblr-3006	63	24	cost	cost	NOUN
cblr-3006	63	25	of	of	ADP
cblr-3006	63	26	production	production	NOUN
cblr-3006	63	27	.	.	PUNCT
cblr-3006	64	1	indeed	indeed	ADV
cblr-3006	64	2	,	,	PUNCT
cblr-3006	64	3	some	some	DET
cblr-3006	64	4	newspapers	newspaper	NOUN
cblr-3006	64	5	are	be	AUX
cblr-3006	64	6	provided	provide	VERB
cblr-3006	64	7	free	free	ADJ
cblr-3006	64	8	to	to	ADP
cblr-3006	64	9	readers	reader	NOUN
cblr-3006	64	10	,	,	PUNCT
cblr-3006	64	11	with	with	ADP
cblr-3006	64	12	revenues	revenue	NOUN
cblr-3006	64	13	obtained	obtain	VERB
cblr-3006	64	14	solely	solely	ADV
cblr-3006	64	15	from	from	ADP
cblr-3006	64	16	advertisers	advertiser	NOUN
cblr-3006	64	17	.	.	PUNCT
cblr-3006	65	1	the	the	DET
cblr-3006	65	2	newspaper	newspaper	NOUN
cblr-3006	65	3	thus	thus	ADV
cblr-3006	65	4	"	"	PUNCT
cblr-3006	65	5	subsidizes	subsidize	VERB
cblr-3006	65	6	"	"	PUNCT
cblr-3006	65	7	readers	reader	NOUN
cblr-3006	65	8	to	to	PART
cblr-3006	65	9	increase	increase	VERB
cblr-3006	65	10	circulation	circulation	NOUN
cblr-3006	65	11	,	,	PUNCT
cblr-3006	65	12	thereby	thereby	ADV
cblr-3006	65	13	making	make	VERB
cblr-3006	65	14	it	it	PRON
cblr-3006	65	15	more	more	ADV
cblr-3006	65	16	attractive	attractive	ADJ
cblr-3006	65	17	to	to	PART
cblr-3006	65	18	advertise	advertise	VERB
cblr-3006	65	19	in	in	ADP
cblr-3006	65	20	the	the	DET
cblr-3006	65	21	newspaper	newspaper	NOUN
cblr-3006	65	22	,	,	PUNCT
cblr-3006	65	23	and	and	CCONJ
cblr-3006	65	24	increasing	increase	VERB
cblr-3006	65	25	the	the	DET
cblr-3006	65	26	demand	demand	NOUN
cblr-3006	65	27	for	for	ADP
cblr-3006	65	28	,	,	PUNCT
cblr-3006	65	29	and	and	CCONJ
cblr-3006	65	30	price	price	NOUN
cblr-3006	65	31	of	of	ADP
cblr-3006	65	32	,	,	PUNCT
cblr-3006	65	33	newspaper	newspaper	NOUN
cblr-3006	65	34	advertising	advertising	NOUN
cblr-3006	65	35	.	.	PUNCT
cblr-3006	66	1	seeking	seek	VERB
cblr-3006	66	2	to	to	PART
cblr-3006	66	3	eliminate	eliminate	VERB
cblr-3006	66	4	the	the	DET
cblr-3006	66	5	"	"	PUNCT
cblr-3006	66	6	subsidy	subsidy	NOUN
cblr-3006	66	7	"	"	PUNCT
cblr-3006	66	8	to	to	ADP
cblr-3006	66	9	readers	reader	NOUN
cblr-3006	66	10	while	while	SCONJ
cblr-3006	66	11	ignoring	ignore	VERB
cblr-3006	66	12	the	the	DET
cblr-3006	66	13	advertiser	advertiser	NOUN
cblr-3006	66	14	side	side	NOUN
cblr-3006	66	15	of	of	ADP
cblr-3006	66	16	the	the	DET
cblr-3006	66	17	market	market	NOUN
cblr-3006	66	18	is	be	AUX
cblr-3006	66	19	not	not	PART
cblr-3006	66	20	only	only	ADV
cblr-3006	66	21	incorrect	incorrect	ADJ
cblr-3006	66	22	,	,	PUNCT
cblr-3006	66	23	but	but	CCONJ
cblr-3006	66	24	it	it	PRON
cblr-3006	66	25	would	would	AUX
cblr-3006	66	26	harm	harm	VERB
cblr-3006	66	27	all	all	DET
cblr-3006	66	28	parties	party	NOUN
cblr-3006	66	29	-	-	NOUN
cblr-3006	66	30	readers	reader	NOUN
cblr-3006	66	31	,	,	PUNCT
cblr-3006	66	32	advertisers	advertiser	NOUN
cblr-3006	66	33	,	,	PUNCT
cblr-3006	66	34	and	and	CCONJ
cblr-3006	66	35	newspaper	newspaper	NOUN
cblr-3006	66	36	producers	producer	NOUN
cblr-3006	66	37	alike	alike	ADV
cblr-3006	66	38	.	.	PUNCT
cblr-3006	67	1	such	such	ADJ
cblr-3006	67	2	"	"	PUNCT
cblr-3006	67	3	subsidies	subsidy	NOUN
cblr-3006	67	4	"	"	PUNCT
cblr-3006	67	5	are	be	AUX
cblr-3006	67	6	commonly	commonly	ADV
cblr-3006	67	7	used	use	VERB
cblr-3006	67	8	to	to	PART
cblr-3006	67	9	solve	solve	VERB
cblr-3006	67	10	the	the	DET
cblr-3006	67	11	"	"	PUNCT
cblr-3006	67	12	chicken	chicken	NOUN
cblr-3006	67	13	and	and	CCONJ
cblr-3006	67	14	egg	egg	NOUN
cblr-3006	67	15	"	"	PUNCT
cblr-3006	67	16	problem	problem	NOUN
cblr-3006	67	17	of	of	ADP
cblr-3006	67	18	coordinating	coordinate	VERB
cblr-3006	67	19	the	the	DET
cblr-3006	67	20	two	two	NUM
cblr-3006	67	21	sides	side	NOUN
cblr-3006	67	22	of	of	ADP
cblr-3006	67	23	the	the	DET
cblr-3006	67	24	market.4	market.4	PROPN
cblr-3006	67	25	these	these	DET
cblr-3006	67	26	"	"	PUNCT
cblr-3006	67	27	subsidies	subsidy	NOUN
cblr-3006	67	28	"	"	PUNCT
cblr-3006	67	29	might	might	AUX
cblr-3006	67	30	be	be	AUX
cblr-3006	67	31	deemed	deem	VERB
cblr-3006	67	32	inefficient	inefficient	ADJ
cblr-3006	67	33	because	because	SCONJ
cblr-3006	67	34	some	some	DET
cblr-3006	67	35	users	user	NOUN
cblr-3006	67	36	pay	pay	VERB
cblr-3006	67	37	less	less	ADJ
cblr-3006	67	38	than	than	ADP
cblr-3006	67	39	the	the	DET
cblr-3006	67	40	product	product	NOUN
cblr-3006	67	41	's	's	PART
cblr-3006	67	42	full	full	ADJ
cblr-3006	67	43	marginal	marginal	ADJ
cblr-3006	67	44	cost	cost	NOUN
cblr-3006	67	45	.	.	PUNCT
cblr-3006	68	1	but	but	CCONJ
cblr-3006	68	2	this	this	DET
cblr-3006	68	3	naive	naive	ADJ
cblr-3006	68	4	analysis	analysis	NOUN
cblr-3006	68	5	is	be	AUX
cblr-3006	68	6	incorrect	incorrect	ADJ
cblr-3006	68	7	-	-	PUNCT
cblr-3006	68	8	the	the	DET
cblr-3006	68	9	relevant	relevant	ADJ
cblr-3006	68	10	measure	measure	NOUN
cblr-3006	68	11	is	be	AUX
cblr-3006	68	12	the	the	DET
cblr-3006	68	13	joint	joint	ADJ
cblr-3006	68	14	surplus	surplus	NOUN
cblr-3006	68	15	obtained	obtain	VERB
cblr-3006	68	16	by	by	ADP
cblr-3006	68	17	coordinating	coordinate	VERB
cblr-3006	68	18	the	the	DET
cblr-3006	68	19	activities	activity	NOUN
cblr-3006	68	20	of	of	ADP
cblr-3006	68	21	the	the	DET
cblr-3006	68	22	two	two	NUM
cblr-3006	68	23	groups	group	NOUN
cblr-3006	68	24	,	,	PUNCT
cblr-3006	68	25	e.g.	e.g.	ADV
cblr-3006	68	26	,	,	PUNCT
cblr-3006	68	27	advertisers	advertiser	NOUN
cblr-3006	68	28	and	and	CCONJ
cblr-3006	68	29	readers	reader	NOUN
cblr-3006	68	30	.	.	PUNCT
cblr-3006	69	1	increased	increase	VERB
cblr-3006	69	2	readership	readership	NOUN
cblr-3006	69	3	raises	raise	VERB
cblr-3006	69	4	the	the	DET
cblr-3006	69	5	value	value	NOUN
cblr-3006	69	6	of	of	ADP
cblr-3006	69	7	advertising	advertising	NOUN
cblr-3006	69	8	in	in	ADP
cblr-3006	69	9	the	the	DET
cblr-3006	69	10	newspaper	newspaper	NOUN
cblr-3006	69	11	,	,	PUNCT
cblr-3006	69	12	while	while	SCONJ
cblr-3006	69	13	increased	increase	VERB
cblr-3006	69	14	advertising	advertising	NOUN
cblr-3006	69	15	raises	raise	VERB
cblr-3006	69	16	the	the	DET
cblr-3006	69	17	value	value	NOUN
cblr-3006	69	18	of	of	ADP
cblr-3006	69	19	the	the	DET
cblr-3006	69	20	newspaper	newspaper	NOUN
cblr-3006	69	21	to	to	ADP
cblr-3006	69	22	each	each	DET
cblr-3006	69	23	reader	reader	NOUN
cblr-3006	69	24	by	by	ADP
cblr-3006	69	25	reducing	reduce	VERB
cblr-3006	69	26	his	his	PRON
cblr-3006	69	27	search	search	NOUN
cblr-3006	69	28	costs	cost	NOUN
cblr-3006	69	29	for	for	ADP
cblr-3006	69	30	information	information	NOUN
cblr-3006	69	31	,	,	PUNCT
cblr-3006	69	32	and	and	CCONJ
cblr-3006	69	33	by	by	ADP
cblr-3006	69	34	increasing	increase	VERB
cblr-3006	69	35	the	the	DET
cblr-3006	69	36	likelihood	likelihood	NOUN
cblr-3006	69	37	that	that	SCONJ
cblr-3006	69	38	he	he	PRON
cblr-3006	69	39	will	will	AUX
cblr-3006	69	40	3	3	NUM
cblr-3006	69	41	evans	evans	PROPN
cblr-3006	69	42	&	&	CCONJ
cblr-3006	69	43	schmalensee	schmalensee	PROPN
cblr-3006	69	44	,	,	PUNCT
cblr-3006	69	45	supra	supra	PROPN
cblr-3006	69	46	note	note	NOUN
cblr-3006	69	47	2	2	NUM
cblr-3006	69	48	,	,	PUNCT
cblr-3006	69	49	at	at	ADP
cblr-3006	69	50	4	4	NUM
cblr-3006	69	51	.	.	PUNCT
cblr-3006	70	1	the	the	DET
cblr-3006	70	2	industries	industry	NOUN
cblr-3006	70	3	characterized	characterize	VERB
cblr-3006	70	4	by	by	ADP
cblr-3006	70	5	"	"	PUNCT
cblr-3006	70	6	network	network	NOUN
cblr-3006	70	7	effects	effect	NOUN
cblr-3006	70	8	"	"	PUNCT
cblr-3006	70	9	are	be	AUX
cblr-3006	70	10	commonly	commonly	ADV
cblr-3006	70	11	two	two	NUM
cblr-3006	70	12	-	-	PUNCT
cblr-3006	70	13	sided	sided	ADJ
cblr-3006	70	14	markets	market	NOUN
cblr-3006	70	15	because	because	SCONJ
cblr-3006	70	16	it	it	PRON
cblr-3006	70	17	is	be	AUX
cblr-3006	70	18	often	often	ADV
cblr-3006	70	19	the	the	DET
cblr-3006	70	20	two	two	NUM
cblr-3006	70	21	-	-	PUNCT
cblr-3006	70	22	sided	sided	ADJ
cblr-3006	70	23	nature	nature	NOUN
cblr-3006	70	24	of	of	ADP
cblr-3006	70	25	a	a	DET
cblr-3006	70	26	product	product	NOUN
cblr-3006	70	27	that	that	PRON
cblr-3006	70	28	creates	create	VERB
cblr-3006	70	29	the	the	DET
cblr-3006	70	30	network	network	NOUN
cblr-3006	70	31	effects	effect	NOUN
cblr-3006	70	32	.	.	PUNCT
cblr-3006	71	1	classic	classic	ADJ
cblr-3006	71	2	network	network	NOUN
cblr-3006	71	3	industries	industry	NOUN
cblr-3006	71	4	,	,	PUNCT
cblr-3006	71	5	such	such	ADJ
cblr-3006	71	6	as	as	ADP
cblr-3006	71	7	telephones	telephone	NOUN
cblr-3006	71	8	and	and	CCONJ
cblr-3006	71	9	fax	fax	NOUN
cblr-3006	71	10	machines	machine	NOUN
cblr-3006	71	11	,	,	PUNCT
cblr-3006	71	12	require	require	VERB
cblr-3006	71	13	both	both	DET
cblr-3006	71	14	parties	party	NOUN
cblr-3006	71	15	to	to	ADP
cblr-3006	71	16	the	the	DET
cblr-3006	71	17	transaction	transaction	NOUN
cblr-3006	71	18	to	to	PART
cblr-3006	71	19	use	use	VERB
cblr-3006	71	20	the	the	DET
cblr-3006	71	21	product	product	NOUN
cblr-3006	71	22	for	for	SCONJ
cblr-3006	71	23	it	it	PRON
cblr-3006	71	24	to	to	PART
cblr-3006	71	25	have	have	VERB
cblr-3006	71	26	value	value	NOUN
cblr-3006	71	27	to	to	ADP
cblr-3006	71	28	either	either	ADV
cblr-3006	71	29	.	.	PUNCT
cblr-3006	72	1	4	4	NUM
cblr-3006	72	2	other	other	ADJ
cblr-3006	72	3	two	two	NUM
cblr-3006	72	4	-	-	PUNCT
cblr-3006	72	5	sided	sided	ADJ
cblr-3006	72	6	markets	market	NOUN
cblr-3006	72	7	utilizing	utilize	VERB
cblr-3006	72	8	subsidies	subsidy	NOUN
cblr-3006	72	9	include	include	VERB
cblr-3006	72	10	dating	date	VERB
cblr-3006	72	11	clubs	club	NOUN
cblr-3006	72	12	,	,	PUNCT
cblr-3006	72	13	shopping	shopping	NOUN
cblr-3006	72	14	malls	mall	NOUN
cblr-3006	72	15	,	,	PUNCT
cblr-3006	72	16	real	real	ADJ
cblr-3006	72	17	estate	estate	NOUN
cblr-3006	72	18	,	,	PUNCT
cblr-3006	72	19	television	television	NOUN
cblr-3006	72	20	,	,	PUNCT
cblr-3006	72	21	software	software	NOUN
cblr-3006	72	22	,	,	PUNCT
cblr-3006	72	23	the	the	DET
cblr-3006	72	24	yellow	yellow	ADJ
cblr-3006	72	25	pages	page	NOUN
cblr-3006	72	26	,	,	PUNCT
cblr-3006	72	27	and	and	CCONJ
cblr-3006	72	28	many	many	ADJ
cblr-3006	72	29	more	more	ADJ
cblr-3006	72	30	.	.	PUNCT
cblr-3006	73	1	see	see	VERB
cblr-3006	73	2	evans	evans	PROPN
cblr-3006	73	3	&	&	CCONJ
cblr-3006	73	4	schmalensee	schmalensee	PROPN
cblr-3006	73	5	,	,	PUNCT
cblr-3006	73	6	supra	supra	PROPN
cblr-3006	73	7	note	note	NOUN
cblr-3006	73	8	2	2	NUM
cblr-3006	73	9	,	,	PUNCT
cblr-3006	73	10	at	at	ADP
cblr-3006	73	11	133	133	NUM
cblr-3006	73	12	-	-	SYM
cblr-3006	73	13	58	58	NUM
cblr-3006	73	14	.	.	PUNCT
cblr-3006	74	1	col	col	PROPN
cblr-3006	74	2	umbia	umbia	PROPN
cblr-3006	74	3	b	b	PROPN
cblr-3006	74	4	usiness	usiness	PROPN
cblr-3006	74	5	la	la	PROPN
cblr-3006	74	6	w	w	PROPN
cblr-3006	74	7	re	re	PROPN
cblr-3006	74	8	vie	vie	PROPN
cblr-3006	74	9	w	w	PROPN
cblr-3006	75	1	[	[	X
cblr-3006	75	2	vol	vol	NOUN
cblr-3006	75	3	.	.	PUNCT
cblr-3006	75	4	2005	2005	NUM
cblr-3006	75	5	find	find	VERB
cblr-3006	75	6	information	information	NOUN
cblr-3006	75	7	he	he	PRON
cblr-3006	75	8	desires	desire	VERB
cblr-3006	75	9	.	.	PUNCT
cblr-3006	76	1	thus	thus	ADV
cblr-3006	76	2	,	,	PUNCT
cblr-3006	76	3	advertisers	advertiser	NOUN
cblr-3006	76	4	and	and	CCONJ
cblr-3006	76	5	readers	reader	NOUN
cblr-3006	76	6	both	both	PRON
cblr-3006	76	7	benefit	benefit	VERB
cblr-3006	76	8	from	from	ADP
cblr-3006	76	9	the	the	DET
cblr-3006	76	10	purported	purport	VERB
cblr-3006	76	11	subsidy	subsidy	NOUN
cblr-3006	76	12	.	.	PUNCT
cblr-3006	77	1	although	although	SCONJ
cblr-3006	77	2	the	the	DET
cblr-3006	77	3	marginal	marginal	ADJ
cblr-3006	77	4	costs	cost	NOUN
cblr-3006	77	5	of	of	ADP
cblr-3006	77	6	supplying	supply	VERB
cblr-3006	77	7	each	each	DET
cblr-3006	77	8	side	side	NOUN
cblr-3006	77	9	are	be	AUX
cblr-3006	77	10	relevant	relevant	ADJ
cblr-3006	77	11	in	in	ADP
cblr-3006	77	12	pricing	pricing	NOUN
cblr-3006	77	13	decisions	decision	NOUN
cblr-3006	77	14	,	,	PUNCT
cblr-3006	77	15	they	they	PRON
cblr-3006	77	16	are	be	AUX
cblr-3006	77	17	not	not	PART
cblr-3006	77	18	dispositive	dispositive	ADJ
cblr-3006	77	19	.	.	PUNCT
cblr-3006	78	1	two	two	NUM
cblr-3006	78	2	other	other	ADJ
cblr-3006	78	3	variables	variable	NOUN
cblr-3006	78	4	are	be	AUX
cblr-3006	78	5	crucial	crucial	ADJ
cblr-3006	78	6	in	in	ADP
cblr-3006	78	7	determining	determine	VERB
cblr-3006	78	8	which	which	DET
cblr-3006	78	9	side	side	NOUN
cblr-3006	78	10	of	of	ADP
cblr-3006	78	11	a	a	DET
cblr-3006	78	12	market	market	NOUN
cblr-3006	78	13	"	"	PUNCT
cblr-3006	78	14	subsidizes	subsidize	VERB
cblr-3006	78	15	"	"	PUNCT
cblr-3006	78	16	the	the	DET
cblr-3006	78	17	other	other	ADJ
cblr-3006	78	18	:	:	PUNCT
cblr-3006	78	19	the	the	DET
cblr-3006	78	20	relative	relative	ADJ
cblr-3006	78	21	demand	demand	NOUN
cblr-3006	78	22	elasticities	elasticity	NOUN
cblr-3006	78	23	of	of	ADP
cblr-3006	78	24	the	the	DET
cblr-3006	78	25	participants	participant	NOUN
cblr-3006	78	26	on	on	ADP
cblr-3006	78	27	each	each	DET
cblr-3006	78	28	side	side	NOUN
cblr-3006	78	29	and	and	CCONJ
cblr-3006	78	30	the	the	DET
cblr-3006	78	31	relative	relative	ADJ
cblr-3006	78	32	importance	importance	NOUN
cblr-3006	78	33	of	of	ADP
cblr-3006	78	34	network	network	NOUN
cblr-3006	78	35	effects	effect	NOUN
cblr-3006	78	36	.	.	PUNCT
cblr-3006	78	37	'	'	PUNCT
cblr-3006	79	1	first	first	ADV
cblr-3006	79	2	,	,	PUNCT
cblr-3006	79	3	in	in	ADP
cblr-3006	79	4	a	a	DET
cblr-3006	79	5	two	two	NUM
cblr-3006	79	6	-	-	PUNCT
cblr-3006	79	7	sided	sided	ADJ
cblr-3006	79	8	market	market	NOUN
cblr-3006	79	9	,	,	PUNCT
cblr-3006	79	10	the	the	DET
cblr-3006	79	11	side	side	NOUN
cblr-3006	79	12	with	with	ADP
cblr-3006	79	13	less	less	ADJ
cblr-3006	79	14	elastic	elastic	ADJ
cblr-3006	79	15	demand	demand	NOUN
cblr-3006	79	16	will	will	AUX
cblr-3006	79	17	typically	typically	ADV
cblr-3006	79	18	face	face	VERB
cblr-3006	79	19	the	the	DET
cblr-3006	79	20	higher	high	ADJ
cblr-3006	79	21	price	price	NOUN
cblr-3006	79	22	,	,	PUNCT
cblr-3006	79	23	because	because	SCONJ
cblr-3006	79	24	raising	raise	VERB
cblr-3006	79	25	the	the	DET
cblr-3006	79	26	price	price	NOUN
cblr-3006	79	27	for	for	ADP
cblr-3006	79	28	those	those	PRON
cblr-3006	79	29	with	with	ADP
cblr-3006	79	30	more	more	ADJ
cblr-3006	79	31	elastic	elastic	ADJ
cblr-3006	79	32	demand	demand	NOUN
cblr-3006	79	33	will	will	AUX
cblr-3006	79	34	lead	lead	VERB
cblr-3006	79	35	to	to	ADP
cblr-3006	79	36	more	more	ADV
cblr-3006	79	37	lost	lost	ADJ
cblr-3006	79	38	sales	sale	NOUN
cblr-3006	79	39	.	.	PUNCT
cblr-3006	80	1	consider	consider	VERB
cblr-3006	80	2	newspapers	newspaper	NOUN
cblr-3006	80	3	again	again	ADV
cblr-3006	80	4	-	-	PUNCT
cblr-3006	80	5	local	local	ADJ
cblr-3006	80	6	advertisers	advertiser	NOUN
cblr-3006	80	7	have	have	VERB
cblr-3006	80	8	relatively	relatively	ADV
cblr-3006	80	9	few	few	ADJ
cblr-3006	80	10	outlets	outlet	NOUN
cblr-3006	80	11	for	for	ADP
cblr-3006	80	12	informing	inform	VERB
cblr-3006	80	13	consumers	consumer	NOUN
cblr-3006	80	14	.	.	PUNCT
cblr-3006	80	15	'	'	PUNCT
cblr-3006	81	1	by	by	ADP
cblr-3006	81	2	contrast	contrast	NOUN
cblr-3006	81	3	,	,	PUNCT
cblr-3006	81	4	consumers	consumer	NOUN
cblr-3006	81	5	have	have	VERB
cblr-3006	81	6	many	many	ADJ
cblr-3006	81	7	other	other	ADJ
cblr-3006	81	8	sources	source	NOUN
cblr-3006	81	9	of	of	ADP
cblr-3006	81	10	news	news	NOUN
cblr-3006	81	11	,	,	PUNCT
cblr-3006	81	12	including	include	VERB
cblr-3006	81	13	radio	radio	NOUN
cblr-3006	81	14	,	,	PUNCT
cblr-3006	81	15	television	television	NOUN
cblr-3006	81	16	,	,	PUNCT
cblr-3006	81	17	and	and	CCONJ
cblr-3006	81	18	the	the	DET
cblr-3006	81	19	internet	internet	NOUN
cblr-3006	81	20	.	.	PUNCT
cblr-3006	82	1	thus	thus	ADV
cblr-3006	82	2	,	,	PUNCT
cblr-3006	82	3	at	at	ADP
cblr-3006	82	4	the	the	DET
cblr-3006	82	5	margin	margin	NOUN
cblr-3006	82	6	,	,	PUNCT
cblr-3006	82	7	readers	reader	NOUN
cblr-3006	82	8	will	will	AUX
cblr-3006	82	9	be	be	AUX
cblr-3006	82	10	more	more	ADV
cblr-3006	82	11	likely	likely	ADJ
cblr-3006	82	12	to	to	PART
cblr-3006	82	13	respond	respond	VERB
cblr-3006	82	14	to	to	ADP
cblr-3006	82	15	changes	change	NOUN
cblr-3006	82	16	in	in	ADP
cblr-3006	82	17	subscription	subscription	NOUN
cblr-3006	82	18	prices	price	NOUN
cblr-3006	82	19	than	than	SCONJ
cblr-3006	82	20	advertisers	advertiser	NOUN
cblr-3006	82	21	to	to	AUX
cblr-3006	82	22	changes	change	NOUN
cblr-3006	82	23	in	in	ADP
cblr-3006	82	24	advertising	advertising	NOUN
cblr-3006	82	25	rates	rate	NOUN
cblr-3006	82	26	.	.	PUNCT
cblr-3006	83	1	second	second	ADJ
cblr-3006	83	2	,	,	PUNCT
cblr-3006	83	3	firms	firm	NOUN
cblr-3006	83	4	selling	sell	VERB
cblr-3006	83	5	in	in	ADP
cblr-3006	83	6	two	two	NUM
cblr-3006	83	7	-	-	PUNCT
cblr-3006	83	8	sided	sided	ADJ
cblr-3006	83	9	markets	market	NOUN
cblr-3006	83	10	will	will	AUX
cblr-3006	83	11	tend	tend	VERB
cblr-3006	83	12	to	to	PART
cblr-3006	83	13	charge	charge	VERB
cblr-3006	83	14	a	a	DET
cblr-3006	83	15	lower	low	ADJ
cblr-3006	83	16	price	price	NOUN
cblr-3006	83	17	to	to	ADP
cblr-3006	83	18	the	the	DET
cblr-3006	83	19	group	group	NOUN
cblr-3006	83	20	with	with	ADP
cblr-3006	83	21	greater	great	ADJ
cblr-3006	83	22	network	network	NOUN
cblr-3006	83	23	effects	effect	NOUN
cblr-3006	83	24	,	,	PUNCT
cblr-3006	83	25	i.e.	i.e.	X
cblr-3006	83	26	,	,	PUNCT
cblr-3006	83	27	where	where	SCONJ
cblr-3006	83	28	increased	increase	VERB
cblr-3006	83	29	demand	demand	NOUN
cblr-3006	83	30	has	have	VERB
cblr-3006	83	31	a	a	DET
cblr-3006	83	32	larger	large	ADJ
cblr-3006	83	33	effect	effect	NOUN
cblr-3006	83	34	on	on	ADP
cblr-3006	83	35	value	value	NOUN
cblr-3006	83	36	on	on	ADP
cblr-3006	83	37	the	the	DET
cblr-3006	83	38	other	other	ADJ
cblr-3006	83	39	side	side	NOUN
cblr-3006	83	40	of	of	ADP
cblr-3006	83	41	the	the	DET
cblr-3006	83	42	market	market	NOUN
cblr-3006	83	43	.	.	PUNCT
cblr-3006	84	1	with	with	ADP
cblr-3006	84	2	newspapers	newspaper	NOUN
cblr-3006	84	3	,	,	PUNCT
cblr-3006	84	4	the	the	DET
cblr-3006	84	5	network	network	NOUN
cblr-3006	84	6	effects	effect	NOUN
cblr-3006	84	7	of	of	ADP
cblr-3006	84	8	increased	increase	VERB
cblr-3006	84	9	readership	readership	NOUN
cblr-3006	84	10	on	on	ADP
cblr-3006	84	11	the	the	DET
cblr-3006	84	12	value	value	NOUN
cblr-3006	84	13	of	of	ADP
cblr-3006	84	14	advertising	advertising	NOUN
cblr-3006	84	15	are	be	AUX
cblr-3006	84	16	generally	generally	ADV
cblr-3006	84	17	much	much	ADV
cblr-3006	84	18	greater	great	ADJ
cblr-3006	84	19	than	than	ADP
cblr-3006	84	20	the	the	DET
cblr-3006	84	21	effects	effect	NOUN
cblr-3006	84	22	of	of	ADP
cblr-3006	84	23	increased	increase	VERB
cblr-3006	84	24	advertising	advertising	NOUN
cblr-3006	84	25	on	on	ADP
cblr-3006	84	26	the	the	DET
cblr-3006	84	27	value	value	NOUN
cblr-3006	84	28	of	of	ADP
cblr-3006	84	29	the	the	DET
cblr-3006	84	30	paper	paper	NOUN
cblr-3006	84	31	to	to	ADP
cblr-3006	84	32	readers	reader	NOUN
cblr-3006	84	33	.	.	PUNCT
cblr-3006	84	34	'	'	PUNCT
cblr-3006	84	35	'	'	PUNCT
cblr-3006	85	1	"	"	PUNCT
cblr-3006	85	2	[	[	X
cblr-3006	85	3	specifically	specifically	ADV
cblr-3006	85	4	,	,	PUNCT
cblr-3006	85	5	]	]	PUNCT
cblr-3006	85	6	if	if	SCONJ
cblr-3006	85	7	a	a	DET
cblr-3006	85	8	supplier	supplier	NOUN
cblr-3006	85	9	wishes	wish	VERB
cblr-3006	85	10	to	to	PART
cblr-3006	85	11	increase	increase	VERB
cblr-3006	85	12	price	price	NOUN
cblr-3006	85	13	,	,	PUNCT
cblr-3006	85	14	it	it	PRON
cblr-3006	85	15	will	will	AUX
cblr-3006	85	16	be	be	AUX
cblr-3006	85	17	more	more	ADV
cblr-3006	85	18	profitable	profitable	ADJ
cblr-3006	85	19	to	to	PART
cblr-3006	85	20	do	do	VERB
cblr-3006	85	21	so	so	ADV
cblr-3006	85	22	on	on	ADP
cblr-3006	85	23	the	the	DET
cblr-3006	85	24	side	side	NOUN
cblr-3006	85	25	of	of	ADP
cblr-3006	85	26	the	the	DET
cblr-3006	85	27	market	market	NOUN
cblr-3006	85	28	where	where	SCONJ
cblr-3006	85	29	the	the	DET
cblr-3006	85	30	demand	demand	NOUN
cblr-3006	85	31	response	response	NOUN
cblr-3006	85	32	is	be	AUX
cblr-3006	85	33	likely	likely	ADJ
cblr-3006	85	34	to	to	PART
cblr-3006	85	35	be	be	AUX
cblr-3006	85	36	less	less	ADV
cblr-3006	85	37	and	and	CCONJ
cblr-3006	85	38	where	where	SCONJ
cblr-3006	85	39	network	network	NOUN
cblr-3006	85	40	effects	effect	NOUN
cblr-3006	85	41	are	be	AUX
cblr-3006	85	42	less	less	ADV
cblr-3006	85	43	important	important	ADJ
cblr-3006	85	44	.	.	PUNCT
cblr-3006	85	45	"	"	PUNCT
cblr-3006	86	1	klein	klein	PROPN
cblr-3006	86	2	et	et	PROPN
cblr-3006	86	3	al	al	PROPN
cblr-3006	86	4	.	.	PROPN
cblr-3006	86	5	,	,	PUNCT
cblr-3006	86	6	supra	supra	PROPN
cblr-3006	86	7	note	note	NOUN
cblr-3006	86	8	2	2	NUM
cblr-3006	86	9	,	,	PUNCT
cblr-3006	86	10	at	at	ADP
cblr-3006	86	11	16	16	NUM
cblr-3006	86	12	.	.	PUNCT
cblr-3006	87	1	the	the	DET
cblr-3006	87	2	intensity	intensity	NOUN
cblr-3006	87	3	of	of	ADP
cblr-3006	87	4	competition	competition	NOUN
cblr-3006	87	5	on	on	ADP
cblr-3006	87	6	each	each	DET
cblr-3006	87	7	side	side	NOUN
cblr-3006	87	8	may	may	AUX
cblr-3006	87	9	also	also	ADV
cblr-3006	87	10	be	be	AUX
cblr-3006	87	11	relevant	relevant	ADJ
cblr-3006	87	12	.	.	PUNCT
cblr-3006	88	1	i	i	PRON
cblr-3006	88	2	d.	d.	PROPN
cblr-3006	88	3	at	at	ADP
cblr-3006	88	4	17	17	NUM
cblr-3006	88	5	n.31	n.31	NOUN
cblr-3006	88	6	.	.	PROPN
cblr-3006	88	7	6	6	NUM
cblr-3006	88	8	in	in	ADP
cblr-3006	88	9	relation	relation	NOUN
cblr-3006	88	10	to	to	ADP
cblr-3006	88	11	newspapers	newspaper	NOUN
cblr-3006	88	12	,	,	PUNCT
cblr-3006	88	13	television	television	NOUN
cblr-3006	88	14	and	and	CCONJ
cblr-3006	88	15	radio	radio	NOUN
cblr-3006	88	16	are	be	AUX
cblr-3006	88	17	usually	usually	ADV
cblr-3006	88	18	much	much	ADV
cblr-3006	88	19	more	more	ADV
cblr-3006	88	20	expensive	expensive	ADJ
cblr-3006	88	21	forms	form	NOUN
cblr-3006	88	22	of	of	ADP
cblr-3006	88	23	advertising	advertising	NOUN
cblr-3006	88	24	for	for	ADP
cblr-3006	88	25	the	the	DET
cblr-3006	88	26	benefit	benefit	NOUN
cblr-3006	88	27	that	that	PRON
cblr-3006	88	28	local	local	ADJ
cblr-3006	88	29	advertisers	advertiser	NOUN
cblr-3006	88	30	derive	derive	VERB
cblr-3006	88	31	.	.	PUNCT
cblr-3006	89	1	7	7	NUM
cblr-3006	89	2	klein	klein	PROPN
cblr-3006	89	3	et	et	PROPN
cblr-3006	89	4	al	al	PROPN
cblr-3006	89	5	.	.	PROPN
cblr-3006	89	6	,	,	PUNCT
cblr-3006	89	7	supra	supra	PROPN
cblr-3006	89	8	note	note	NOUN
cblr-3006	89	9	2	2	NUM
cblr-3006	89	10	,	,	PUNCT
cblr-3006	89	11	at	at	ADP
cblr-3006	89	12	15	15	NUM
cblr-3006	89	13	(	(	PUNCT
cblr-3006	89	14	arguing	argue	VERB
cblr-3006	89	15	that	that	SCONJ
cblr-3006	89	16	relative	relative	ADJ
cblr-3006	89	17	network	network	NOUN
cblr-3006	89	18	effects	effect	NOUN
cblr-3006	89	19	is	be	AUX
cblr-3006	89	20	the	the	DET
cblr-3006	89	21	most	most	ADV
cblr-3006	89	22	important	important	ADJ
cblr-3006	89	23	reason	reason	NOUN
cblr-3006	89	24	for	for	ADP
cblr-3006	89	25	low	low	ADJ
cblr-3006	89	26	subscription	subscription	NOUN
cblr-3006	89	27	prices	price	NOUN
cblr-3006	89	28	)	)	PUNCT
cblr-3006	89	29	.	.	PUNCT
cblr-3006	90	1	klein	klein	PROPN
cblr-3006	90	2	et	et	PROPN
cblr-3006	90	3	al	al	PROPN
cblr-3006	90	4	.	.	PROPN
cblr-3006	91	1	argue	argue	VERB
cblr-3006	91	2	that	that	SCONJ
cblr-3006	91	3	these	these	DET
cblr-3006	91	4	factors	factor	NOUN
cblr-3006	91	5	explain	explain	VERB
cblr-3006	91	6	why	why	SCONJ
cblr-3006	91	7	the	the	DET
cblr-3006	91	8	adobe	adobe	PROPN
cblr-3006	91	9	reader	reader	NOUN
cblr-3006	91	10	is	be	AUX
cblr-3006	91	11	distributed	distribute	VERB
cblr-3006	91	12	free	free	ADJ
cblr-3006	91	13	,	,	PUNCT
cblr-3006	91	14	while	while	SCONJ
cblr-3006	91	15	the	the	DET
cblr-3006	91	16	writer	writer	NOUN
cblr-3006	91	17	is	be	AUX
cblr-3006	91	18	not	not	PART
cblr-3006	91	19	.	.	PUNCT
cblr-3006	92	1	readers	reader	NOUN
cblr-3006	92	2	are	be	AUX
cblr-3006	92	3	likely	likely	ADJ
cblr-3006	92	4	to	to	PART
cblr-3006	92	5	be	be	AUX
cblr-3006	92	6	more	more	ADJ
cblr-3006	92	7	price	price	NOUN
cblr-3006	92	8	-	-	PUNCT
cblr-3006	92	9	sensitive	sensitive	ADJ
cblr-3006	92	10	than	than	ADP
cblr-3006	92	11	writers	writer	NOUN
cblr-3006	92	12	because	because	SCONJ
cblr-3006	92	13	of	of	ADP
cblr-3006	92	14	the	the	DET
cblr-3006	92	15	larger	large	ADJ
cblr-3006	92	16	heterogeneity	heterogeneity	NOUN
cblr-3006	92	17	among	among	ADP
cblr-3006	92	18	readers	reader	NOUN
cblr-3006	92	19	.	.	PUNCT
cblr-3006	93	1	many	many	ADJ
cblr-3006	93	2	readers	reader	NOUN
cblr-3006	93	3	will	will	AUX
cblr-3006	93	4	use	use	VERB
cblr-3006	93	5	the	the	DET
cblr-3006	93	6	software	software	NOUN
cblr-3006	93	7	only	only	ADV
cblr-3006	93	8	occasionally	occasionally	ADV
cblr-3006	93	9	and	and	CCONJ
cblr-3006	93	10	will	will	AUX
cblr-3006	93	11	value	value	VERB
cblr-3006	93	12	it	it	PRON
cblr-3006	93	13	little	little	ADJ
cblr-3006	93	14	.	.	PUNCT
cblr-3006	94	1	by	by	ADP
cblr-3006	94	2	contrast	contrast	NOUN
cblr-3006	94	3	,	,	PUNCT
cblr-3006	94	4	there	there	PRON
cblr-3006	94	5	are	be	VERB
cblr-3006	94	6	very	very	ADV
cblr-3006	94	7	large	large	ADJ
cblr-3006	94	8	network	network	NOUN
cblr-3006	94	9	effects	effect	NOUN
cblr-3006	94	10	to	to	ADP
cblr-3006	94	11	writers	writer	NOUN
cblr-3006	94	12	,	,	PUNCT
cblr-3006	94	13	in	in	SCONJ
cblr-3006	94	14	that	that	SCONJ
cblr-3006	94	15	there	there	PRON
cblr-3006	94	16	is	be	VERB
cblr-3006	94	17	great	great	ADJ
cblr-3006	94	18	value	value	NOUN
cblr-3006	94	19	in	in	ADP
cblr-3006	94	20	being	be	AUX
cblr-3006	94	21	able	able	ADJ
cblr-3006	94	22	to	to	PART
cblr-3006	94	23	reach	reach	VERB
cblr-3006	94	24	everyone	everyone	PRON
cblr-3006	94	25	,	,	PUNCT
cblr-3006	94	26	including	include	VERB
cblr-3006	94	27	these	these	DET
cblr-3006	94	28	low	low	ADJ
cblr-3006	94	29	value	value	NOUN
cblr-3006	94	30	no	no	NOUN
cblr-3006	94	31	.	.	PUNCT
cblr-3006	95	1	3:5151	3:5151	NUM
cblr-3006	95	2	the	the	DET
cblr-3006	95	3	economics	economic	NOUN
cblr-3006	95	4	of	of	ADP
cblr-3006	95	5	two	two	NUM
cblr-3006	95	6	-	-	PUNCT
cblr-3006	95	7	sided	side	VERB
cblr-3006	95	8	mrkets	mrket	NOUN
cblr-3006	95	9	columbia	columbia	PROPN
cblr-3006	95	10	business	business	PROPN
cblr-3006	95	11	la	la	PROPN
cblr-3006	95	12	w	w	PROPN
cblr-3006	95	13	review	review	NOUN
cblr-3006	95	14	because	because	SCONJ
cblr-3006	95	15	of	of	ADP
cblr-3006	95	16	these	these	DET
cblr-3006	95	17	dynamics	dynamic	NOUN
cblr-3006	95	18	,	,	PUNCT
cblr-3006	95	19	there	there	PRON
cblr-3006	95	20	is	be	VERB
cblr-3006	95	21	no	no	DET
cblr-3006	95	22	reason	reason	NOUN
cblr-3006	95	23	why	why	SCONJ
cblr-3006	95	24	the	the	DET
cblr-3006	95	25	price	price	NOUN
cblr-3006	95	26	charged	charge	VERB
cblr-3006	95	27	to	to	ADP
cblr-3006	95	28	the	the	DET
cblr-3006	95	29	two	two	NUM
cblr-3006	95	30	sides	side	NOUN
cblr-3006	95	31	in	in	ADP
cblr-3006	95	32	a	a	DET
cblr-3006	95	33	two	two	NUM
cblr-3006	95	34	-	-	PUNCT
cblr-3006	95	35	sided	sided	ADJ
cblr-3006	95	36	market	market	NOUN
cblr-3006	95	37	should	should	AUX
cblr-3006	95	38	,	,	PUNCT
cblr-3006	95	39	or	or	CCONJ
cblr-3006	95	40	would	would	AUX
cblr-3006	95	41	,	,	PUNCT
cblr-3006	95	42	equal	equal	ADJ
cblr-3006	95	43	marginal	marginal	ADJ
cblr-3006	95	44	cost	cost	NOUN
cblr-3006	95	45	.	.	PUNCT
cblr-3006	96	1	the	the	DET
cblr-3006	96	2	price	price	NOUN
cblr-3006	96	3	charged	charge	VERB
cblr-3006	96	4	to	to	ADP
cblr-3006	96	5	newspaper	newspaper	NOUN
cblr-3006	96	6	readers	reader	NOUN
cblr-3006	96	7	need	need	AUX
cblr-3006	96	8	not	not	PART
cblr-3006	96	9	reflect	reflect	VERB
cblr-3006	96	10	the	the	DET
cblr-3006	96	11	marginal	marginal	ADJ
cblr-3006	96	12	cost	cost	NOUN
cblr-3006	96	13	of	of	ADP
cblr-3006	96	14	producing	produce	VERB
cblr-3006	96	15	the	the	DET
cblr-3006	96	16	paper	paper	NOUN
cblr-3006	96	17	.	.	PUNCT
cblr-3006	97	1	the	the	DET
cblr-3006	97	2	concept	concept	NOUN
cblr-3006	97	3	of	of	ADP
cblr-3006	97	4	a	a	DET
cblr-3006	97	5	"	"	PUNCT
cblr-3006	97	6	subsidy	subsidy	NOUN
cblr-3006	97	7	"	"	PUNCT
cblr-3006	97	8	or	or	CCONJ
cblr-3006	97	9	belowcost	belowcost	ADJ
cblr-3006	97	10	pricing	pricing	NOUN
cblr-3006	97	11	makes	make	VERB
cblr-3006	97	12	no	no	DET
cblr-3006	97	13	sense	sense	NOUN
cblr-3006	97	14	in	in	ADP
cblr-3006	97	15	this	this	DET
cblr-3006	97	16	context	context	NOUN
cblr-3006	97	17	given	give	VERB
cblr-3006	97	18	that	that	SCONJ
cblr-3006	97	19	each	each	DET
cblr-3006	97	20	side	side	NOUN
cblr-3006	97	21	of	of	ADP
cblr-3006	97	22	the	the	DET
cblr-3006	97	23	market	market	NOUN
cblr-3006	97	24	simultaneously	simultaneously	ADV
cblr-3006	97	25	creates	create	VERB
cblr-3006	97	26	benefits	benefit	NOUN
cblr-3006	97	27	for	for	ADP
cblr-3006	97	28	the	the	DET
cblr-3006	97	29	other	other	ADJ
cblr-3006	97	30	side	side	NOUN
cblr-3006	97	31	.	.	PUNCT
cblr-3006	98	1	iii	iii	X
cblr-3006	98	2	.	.	PUNCT
cblr-3006	98	3	payment	payment	NOUN
cblr-3006	98	4	cards	card	NOUN
cblr-3006	98	5	as	as	ADP
cblr-3006	98	6	a	a	DET
cblr-3006	98	7	two	two	NUM
cblr-3006	98	8	-	-	PUNCT
cblr-3006	98	9	sided	sided	ADJ
cblr-3006	98	10	market	market	NOUN
cblr-3006	98	11	payment	payment	NOUN
cblr-3006	98	12	cards	card	NOUN
cblr-3006	98	13	,	,	PUNCT
cblr-3006	98	14	through	through	ADP
cblr-3006	98	15	their	their	PRON
cblr-3006	98	16	coordination	coordination	NOUN
cblr-3006	98	17	of	of	ADP
cblr-3006	98	18	merchants	merchant	NOUN
cblr-3006	98	19	and	and	CCONJ
cblr-3006	98	20	consumers	consumer	NOUN
cblr-3006	98	21	,	,	PUNCT
cblr-3006	98	22	are	be	AUX
cblr-3006	98	23	another	another	DET
cblr-3006	98	24	example	example	NOUN
cblr-3006	98	25	of	of	ADP
cblr-3006	98	26	a	a	DET
cblr-3006	98	27	two	two	NUM
cblr-3006	98	28	-	-	PUNCT
cblr-3006	98	29	sided	sided	ADJ
cblr-3006	98	30	market	market	NOUN
cblr-3006	98	31	.	.	PUNCT
cblr-3006	99	1	consumers	consumer	NOUN
cblr-3006	99	2	will	will	AUX
cblr-3006	99	3	carry	carry	VERB
cblr-3006	99	4	payment	payment	NOUN
cblr-3006	99	5	cards	card	NOUN
cblr-3006	99	6	only	only	ADV
cblr-3006	99	7	if	if	SCONJ
cblr-3006	99	8	merchants	merchant	NOUN
cblr-3006	99	9	accept	accept	VERB
cblr-3006	99	10	them	they	PRON
cblr-3006	99	11	,	,	PUNCT
cblr-3006	99	12	and	and	CCONJ
cblr-3006	99	13	merchants	merchant	NOUN
cblr-3006	99	14	will	will	AUX
cblr-3006	99	15	accept	accept	VERB
cblr-3006	99	16	cards	card	NOUN
cblr-3006	99	17	only	only	ADV
cblr-3006	99	18	if	if	SCONJ
cblr-3006	99	19	a	a	DET
cblr-3006	99	20	sufficient	sufficient	ADJ
cblr-3006	99	21	number	number	NOUN
cblr-3006	99	22	of	of	ADP
cblr-3006	99	23	consumers	consumer	NOUN
cblr-3006	99	24	use	use	VERB
cblr-3006	99	25	them	they	PRON
cblr-3006	99	26	.	.	PUNCT
cblr-3006	100	1	the	the	DET
cblr-3006	100	2	united	united	PROPN
cblr-3006	100	3	states	states	PROPN
cblr-3006	100	4	has	have	VERB
cblr-3006	100	5	four	four	NUM
cblr-3006	100	6	major	major	ADJ
cblr-3006	100	7	"	"	PUNCT
cblr-3006	100	8	brands	brand	NOUN
cblr-3006	100	9	"	"	PUNCT
cblr-3006	100	10	of	of	ADP
cblr-3006	100	11	payment	payment	NOUN
cblr-3006	100	12	cards	card	NOUN
cblr-3006	100	13	-	-	PUNCT
cblr-3006	100	14	american	american	ADJ
cblr-3006	100	15	express	express	PROPN
cblr-3006	100	16	,	,	PUNCT
cblr-3006	100	17	discover	discover	NOUN
cblr-3006	100	18	,	,	PUNCT
cblr-3006	100	19	mastercard	mastercard	NOUN
cblr-3006	100	20	,	,	PUNCT
cblr-3006	100	21	and	and	CCONJ
cblr-3006	100	22	visa	visa	NOUN
cblr-3006	100	23	.	.	PUNCT
cblr-3006	101	1	these	these	DET
cblr-3006	101	2	four	four	NUM
cblr-3006	101	3	are	be	AUX
cblr-3006	101	4	card	card	NOUN
cblr-3006	101	5	systems	system	NOUN
cblr-3006	101	6	that	that	PRON
cblr-3006	101	7	connect	connect	VERB
cblr-3006	101	8	networks	network	NOUN
cblr-3006	101	9	of	of	ADP
cblr-3006	101	10	businesses	business	NOUN
cblr-3006	101	11	and	and	CCONJ
cblr-3006	101	12	merchants	merchant	NOUN
cblr-3006	101	13	who	who	PRON
cblr-3006	101	14	process	process	VERB
cblr-3006	101	15	transactions	transaction	NOUN
cblr-3006	101	16	,	,	PUNCT
cblr-3006	101	17	transfer	transfer	NOUN
cblr-3006	101	18	funds	fund	NOUN
cblr-3006	101	19	,	,	PUNCT
cblr-3006	101	20	and	and	CCONJ
cblr-3006	101	21	provide	provide	VERB
cblr-3006	101	22	billing	billing	NOUN
cblr-3006	101	23	information	information	NOUN
cblr-3006	101	24	.	.	PUNCT
cblr-3006	102	1	american	american	PROPN
cblr-3006	102	2	express	express	VERB
cblr-3006	102	3	and	and	CCONJ
cblr-3006	102	4	discover	discover	VERB
cblr-3006	102	5	are	be	AUX
cblr-3006	102	6	integrated	integrate	VERB
cblr-3006	102	7	,	,	PUNCT
cblr-3006	102	8	proprietary	proprietary	ADJ
cblr-3006	102	9	systems	system	NOUN
cblr-3006	102	10	that	that	PRON
cblr-3006	102	11	provide	provide	VERB
cblr-3006	102	12	all	all	PRON
cblr-3006	102	13	of	of	ADP
cblr-3006	102	14	the	the	DET
cblr-3006	102	15	financial	financial	ADJ
cblr-3006	102	16	services	service	NOUN
cblr-3006	102	17	linking	link	VERB
cblr-3006	102	18	consumers	consumer	NOUN
cblr-3006	102	19	to	to	ADP
cblr-3006	102	20	merchants	merchant	NOUN
cblr-3006	102	21	that	that	PRON
cblr-3006	102	22	are	be	AUX
cblr-3006	102	23	necessary	necessary	ADJ
cblr-3006	102	24	to	to	PART
cblr-3006	102	25	effectuate	effectuate	VERB
cblr-3006	102	26	payment	payment	NOUN
cblr-3006	102	27	transactions	transaction	NOUN
cblr-3006	102	28	.	.	PUNCT
cblr-3006	103	1	visa	visa	NOUN
cblr-3006	103	2	and	and	CCONJ
cblr-3006	103	3	mastercard	mastercard	PROPN
cblr-3006	103	4	,	,	PUNCT
cblr-3006	103	5	by	by	ADP
cblr-3006	103	6	contrast	contrast	NOUN
cblr-3006	103	7	,	,	PUNCT
cblr-3006	103	8	are	be	AUX
cblr-3006	103	9	joint	joint	ADJ
cblr-3006	103	10	ventures	venture	NOUN
cblr-3006	103	11	of	of	ADP
cblr-3006	103	12	the	the	DET
cblr-3006	103	13	thousands	thousand	NOUN
cblr-3006	103	14	of	of	ADP
cblr-3006	103	15	banks	bank	NOUN
cblr-3006	103	16	that	that	PRON
cblr-3006	103	17	issue	issue	VERB
cblr-3006	103	18	their	their	PRON
cblr-3006	103	19	credit	credit	NOUN
cblr-3006	103	20	cards	card	NOUN
cblr-3006	103	21	to	to	ADP
cblr-3006	103	22	consumers	consumer	NOUN
cblr-3006	103	23	.	.	PUNCT
cblr-3006	104	1	the	the	DET
cblr-3006	104	2	visa	visa	NOUN
cblr-3006	104	3	and	and	CCONJ
cblr-3006	104	4	mastercard	mastercard	PROPN
cblr-3006	104	5	systems	system	NOUN
cblr-3006	104	6	provide	provide	VERB
cblr-3006	104	7	the	the	DET
cblr-3006	104	8	structure	structure	NOUN
cblr-3006	104	9	to	to	ADP
cblr-3006	104	10	clear	clear	ADJ
cblr-3006	104	11	transactions	transaction	NOUN
cblr-3006	104	12	and	and	CCONJ
cblr-3006	104	13	coordinate	coordinate	VERB
cblr-3006	104	14	billing	billing	NOUN
cblr-3006	104	15	information	information	NOUN
cblr-3006	104	16	between	between	ADP
cblr-3006	104	17	consumers	consumer	NOUN
cblr-3006	104	18	and	and	CCONJ
cblr-3006	104	19	merchants	merchant	NOUN
cblr-3006	104	20	.	.	PUNCT
cblr-3006	105	1	within	within	ADP
cblr-3006	105	2	mastercard	mastercard	PROPN
cblr-3006	105	3	and	and	CCONJ
cblr-3006	105	4	visa	visa	NOUN
cblr-3006	105	5	,	,	PUNCT
cblr-3006	105	6	"	"	PUNCT
cblr-3006	105	7	issuers	issuer	NOUN
cblr-3006	105	8	"	"	PUNCT
cblr-3006	105	9	provide	provide	VERB
cblr-3006	105	10	cards	card	NOUN
cblr-3006	105	11	to	to	ADP
cblr-3006	105	12	consumers	consumer	NOUN
cblr-3006	105	13	,	,	PUNCT
cblr-3006	105	14	while	while	SCONJ
cblr-3006	105	15	"	"	PUNCT
cblr-3006	105	16	acquirers	acquirer	NOUN
cblr-3006	105	17	"	"	PUNCT
cblr-3006	105	18	process	process	NOUN
cblr-3006	105	19	payment	payment	NOUN
cblr-3006	105	20	card	card	NOUN
cblr-3006	105	21	transactions	transaction	NOUN
cblr-3006	105	22	for	for	ADP
cblr-3006	105	23	merchants.8	merchants.8	PROPN
cblr-3006	105	24	when	when	SCONJ
cblr-3006	105	25	a	a	DET
cblr-3006	105	26	consumer	consumer	NOUN
cblr-3006	105	27	uses	use	VERB
cblr-3006	105	28	a	a	DET
cblr-3006	105	29	card	card	NOUN
cblr-3006	105	30	,	,	PUNCT
cblr-3006	105	31	the	the	DET
cblr-3006	105	32	merchant	merchant	NOUN
cblr-3006	105	33	transfers	transfer	VERB
cblr-3006	105	34	the	the	DET
cblr-3006	105	35	billing	billing	NOUN
cblr-3006	105	36	information	information	NOUN
cblr-3006	105	37	to	to	ADP
cblr-3006	105	38	its	its	PRON
cblr-3006	105	39	acquirer	acquirer	NOUN
cblr-3006	105	40	,	,	PUNCT
cblr-3006	105	41	which	which	PRON
cblr-3006	105	42	then	then	ADV
cblr-3006	105	43	transfers	transfer	VERB
cblr-3006	105	44	the	the	DET
cblr-3006	105	45	billing	billing	NOUN
cblr-3006	105	46	request	request	NOUN
cblr-3006	105	47	to	to	ADP
cblr-3006	105	48	the	the	DET
cblr-3006	105	49	bank	bank	NOUN
cblr-3006	105	50	issuer	issuer	NOUN
cblr-3006	105	51	.	.	PUNCT
cblr-3006	106	1	the	the	DET
cblr-3006	106	2	issuer	issuer	NOUN
cblr-3006	106	3	then	then	ADV
cblr-3006	106	4	pays	pay	VERB
cblr-3006	106	5	the	the	DET
cblr-3006	106	6	acquirer	acquirer	NOUN
cblr-3006	106	7	,	,	PUNCT
cblr-3006	106	8	minus	minus	CCONJ
cblr-3006	106	9	an	an	DET
cblr-3006	106	10	amount	amount	NOUN
cblr-3006	106	11	called	call	VERB
cblr-3006	106	12	the	the	DET
cblr-3006	106	13	"	"	PUNCT
cblr-3006	106	14	interchange	interchange	NOUN
cblr-3006	106	15	fee	fee	NOUN
cblr-3006	106	16	,	,	PUNCT
cblr-3006	106	17	"	"	PUNCT
cblr-3006	106	18	which	which	PRON
cblr-3006	106	19	is	be	AUX
cblr-3006	106	20	set	set	VERB
cblr-3006	106	21	by	by	ADP
cblr-3006	106	22	mastercard	mastercard	PROPN
cblr-3006	106	23	and	and	CCONJ
cblr-3006	106	24	users	user	NOUN
cblr-3006	106	25	.	.	PUNCT
cblr-3006	107	1	"	"	PUNCT
cblr-3006	107	2	[	[	X
cblr-3006	107	3	miany	miany	ADJ
cblr-3006	107	4	readers	reader	NOUN
cblr-3006	107	5	increase	increase	VERB
cblr-3006	107	6	the	the	DET
cblr-3006	107	7	value	value	NOUN
cblr-3006	107	8	of	of	ADP
cblr-3006	107	9	writer	writer	NOUN
cblr-3006	107	10	software	software	NOUN
cblr-3006	107	11	more	more	ADJ
cblr-3006	107	12	than	than	SCONJ
cblr-3006	107	13	lots	lot	NOUN
cblr-3006	107	14	of	of	ADP
cblr-3006	107	15	writers	writer	NOUN
cblr-3006	107	16	increase	increase	VERB
cblr-3006	107	17	the	the	DET
cblr-3006	107	18	value	value	NOUN
cblr-3006	107	19	of	of	ADP
cblr-3006	107	20	reader	reader	NOUN
cblr-3006	107	21	software	software	NOUN
cblr-3006	107	22	.	.	PUNCT
cblr-3006	107	23	"	"	PUNCT
cblr-3006	108	1	i	i	PRON
cblr-3006	108	2	d.	d.	PROPN
cblr-3006	108	3	at	at	ADP
cblr-3006	108	4	17	17	NUM
cblr-3006	108	5	.	.	NOUN
cblr-3006	108	6	8	8	NUM
cblr-3006	109	1	i	i	PRON
cblr-3006	109	2	d.	d.	NOUN
cblr-3006	109	3	at	at	ADP
cblr-3006	109	4	6	6	NUM
cblr-3006	109	5	-	-	SYM
cblr-3006	109	6	7	7	NUM
cblr-3006	109	7	.	.	PUNCT
cblr-3006	110	1	[	[	X
cblr-3006	110	2	vol	vol	NOUN
cblr-3006	110	3	.	.	PUNCT
cblr-3006	110	4	2005	2005	NUM
cblr-3006	110	5	visa	visa	NOUN
cblr-3006	110	6	,	,	PUNCT
cblr-3006	110	7	and	and	CCONJ
cblr-3006	110	8	posts	post	VERB
cblr-3006	110	9	the	the	DET
cblr-3006	110	10	charge	charge	NOUN
cblr-3006	110	11	to	to	ADP
cblr-3006	110	12	the	the	DET
cblr-3006	110	13	consumer	consumer	NOUN
cblr-3006	110	14	's	's	PART
cblr-3006	110	15	account	account	NOUN
cblr-3006	110	16	.	.	PUNCT
cblr-3006	111	1	the	the	DET
cblr-3006	111	2	acquirer	acquirer	NOUN
cblr-3006	111	3	then	then	ADV
cblr-3006	111	4	credits	credit	VERB
cblr-3006	111	5	the	the	DET
cblr-3006	111	6	amount	amount	NOUN
cblr-3006	111	7	charged	charge	VERB
cblr-3006	111	8	to	to	ADP
cblr-3006	111	9	the	the	DET
cblr-3006	111	10	merchant	merchant	NOUN
cblr-3006	111	11	's	's	PART
cblr-3006	111	12	account	account	NOUN
cblr-3006	111	13	,	,	PUNCT
cblr-3006	111	14	less	less	ADJ
cblr-3006	111	15	another	another	DET
cblr-3006	111	16	fee	fee	NOUN
cblr-3006	111	17	for	for	ADP
cblr-3006	111	18	its	its	PRON
cblr-3006	111	19	services	service	NOUN
cblr-3006	111	20	.	.	PUNCT
cblr-3006	112	1	the	the	DET
cblr-3006	112	2	total	total	ADJ
cblr-3006	112	3	difference	difference	NOUN
cblr-3006	112	4	between	between	ADP
cblr-3006	112	5	the	the	DET
cblr-3006	112	6	amount	amount	NOUN
cblr-3006	112	7	that	that	PRON
cblr-3006	112	8	the	the	DET
cblr-3006	112	9	consumer	consumer	NOUN
cblr-3006	112	10	pays	pay	NOUN
cblr-3006	112	11	and	and	CCONJ
cblr-3006	112	12	the	the	DET
cblr-3006	112	13	amount	amount	NOUN
cblr-3006	112	14	the	the	DET
cblr-3006	112	15	merchant	merchant	NOUN
cblr-3006	112	16	receives	receive	VERB
cblr-3006	112	17	is	be	AUX
cblr-3006	112	18	called	call	VERB
cblr-3006	112	19	the	the	DET
cblr-3006	112	20	"	"	PUNCT
cblr-3006	112	21	merchant	merchant	NOUN
cblr-3006	112	22	discount	discount	NOUN
cblr-3006	112	23	.	.	PUNCT
cblr-3006	112	24	"	"	PUNCT
cblr-3006	113	1	the	the	DET
cblr-3006	113	2	average	average	ADJ
cblr-3006	113	3	merchant	merchant	NOUN
cblr-3006	113	4	discount	discount	NOUN
cblr-3006	113	5	on	on	ADP
cblr-3006	113	6	a	a	DET
cblr-3006	113	7	visa	visa	NOUN
cblr-3006	113	8	or	or	CCONJ
cblr-3006	113	9	mastercard	mastercard	PROPN
cblr-3006	113	10	credit	credit	NOUN
cblr-3006	113	11	transaction	transaction	NOUN
cblr-3006	113	12	is	be	AUX
cblr-3006	113	13	approximately	approximately	ADV
cblr-3006	113	14	2.0	2.0	NUM
cblr-3006	113	15	%	%	NOUN
cblr-3006	113	16	of	of	ADP
cblr-3006	113	17	the	the	DET
cblr-3006	113	18	purchase	purchase	NOUN
cblr-3006	113	19	price	price	NOUN
cblr-3006	113	20	.	.	PUNCT
cblr-3006	114	1	the	the	DET
cblr-3006	114	2	acquirer	acquirer	NOUN
cblr-3006	114	3	receives	receive	VERB
cblr-3006	114	4	approximately	approximately	ADV
cblr-3006	114	5	0.6	0.6	NUM
cblr-3006	114	6	%	%	NOUN
cblr-3006	114	7	of	of	ADP
cblr-3006	114	8	the	the	DET
cblr-3006	114	9	purchase	purchase	NOUN
cblr-3006	114	10	price	price	NOUN
cblr-3006	114	11	,	,	PUNCT
cblr-3006	114	12	and	and	CCONJ
cblr-3006	114	13	the	the	DET
cblr-3006	114	14	issuer	issuer	NOUN
cblr-3006	114	15	receives	receive	VERB
cblr-3006	114	16	the	the	DET
cblr-3006	114	17	remaining	remain	VERB
cblr-3006	114	18	1.4	1.4	NUM
cblr-3006	114	19	%	%	NOUN
cblr-3006	114	20	in	in	ADP
cblr-3006	114	21	the	the	DET
cblr-3006	114	22	form	form	NOUN
cblr-3006	114	23	of	of	ADP
cblr-3006	114	24	an	an	DET
cblr-3006	114	25	interchange	interchange	NOUN
cblr-3006	114	26	fee.9	fee.9	NOUN
cblr-3006	114	27	the	the	DET
cblr-3006	114	28	interchange	interchange	NOUN
cblr-3006	114	29	fee	fee	NOUN
cblr-3006	114	30	is	be	AUX
cblr-3006	114	31	the	the	DET
cblr-3006	114	32	source	source	NOUN
cblr-3006	114	33	of	of	ADP
cblr-3006	114	34	considerable	considerable	ADJ
cblr-3006	114	35	academic	academic	ADJ
cblr-3006	114	36	and	and	CCONJ
cblr-3006	114	37	regulatory	regulatory	ADJ
cblr-3006	114	38	interest	interest	NOUN
cblr-3006	114	39	,	,	PUNCT
cblr-3006	114	40	as	as	SCONJ
cblr-3006	114	41	will	will	AUX
cblr-3006	114	42	be	be	AUX
cblr-3006	114	43	discussed	discuss	VERB
cblr-3006	114	44	below	below	ADV
cblr-3006	114	45	.	.	PUNCT
cblr-3006	115	1	mastercard	mastercard	PROPN
cblr-3006	115	2	and	and	CCONJ
cblr-3006	115	3	visa	visa	NOUN
cblr-3006	115	4	use	use	VERB
cblr-3006	115	5	the	the	DET
cblr-3006	115	6	fee	fee	NOUN
cblr-3006	115	7	to	to	PART
cblr-3006	115	8	attract	attract	VERB
cblr-3006	115	9	issuing	issue	VERB
cblr-3006	115	10	banks	bank	NOUN
cblr-3006	115	11	.	.	PUNCT
cblr-3006	116	1	because	because	SCONJ
cblr-3006	116	2	competition	competition	NOUN
cblr-3006	116	3	between	between	ADP
cblr-3006	116	4	the	the	DET
cblr-3006	116	5	issuers	issuer	NOUN
cblr-3006	116	6	is	be	AUX
cblr-3006	116	7	so	so	ADV
cblr-3006	116	8	intense	intense	ADJ
cblr-3006	116	9	,	,	PUNCT
cblr-3006	116	10	°	°	ADP
cblr-3006	116	11	the	the	DET
cblr-3006	116	12	issuers	issuer	NOUN
cblr-3006	116	13	use	use	VERB
cblr-3006	116	14	the	the	DET
cblr-3006	116	15	fee	fee	NOUN
cblr-3006	116	16	to	to	PART
cblr-3006	116	17	provide	provide	VERB
cblr-3006	116	18	benefits	benefit	NOUN
cblr-3006	116	19	to	to	ADP
cblr-3006	116	20	consumers	consumer	NOUN
cblr-3006	116	21	,	,	PUNCT
cblr-3006	116	22	including	include	VERB
cblr-3006	116	23	rebating	rebate	VERB
cblr-3006	116	24	some	some	PRON
cblr-3006	116	25	of	of	ADP
cblr-3006	116	26	it	it	PRON
cblr-3006	116	27	directly	directly	ADV
cblr-3006	116	28	to	to	ADP
cblr-3006	116	29	the	the	DET
cblr-3006	116	30	cardholder	cardholder	NOUN
cblr-3006	116	31	through	through	ADP
cblr-3006	116	32	a	a	DET
cblr-3006	116	33	cash	cash	NOUN
cblr-3006	116	34	refund	refund	NOUN
cblr-3006	116	35	or	or	CCONJ
cblr-3006	116	36	providing	provide	VERB
cblr-3006	116	37	additional	additional	ADJ
cblr-3006	116	38	benefits	benefit	NOUN
cblr-3006	116	39	to	to	ADP
cblr-3006	116	40	cardholders	cardholder	NOUN
cblr-3006	116	41	,	,	PUNCT
cblr-3006	116	42	such	such	ADJ
cblr-3006	116	43	as	as	ADP
cblr-3006	116	44	24	24	NUM
cblr-3006	116	45	-	-	PUNCT
cblr-3006	116	46	hour	hour	NOUN
cblr-3006	116	47	customer	customer	NOUN
cblr-3006	116	48	service	service	NOUN
cblr-3006	116	49	,	,	PUNCT
cblr-3006	116	50	car	car	NOUN
cblr-3006	116	51	rental	rental	NOUN
cblr-3006	116	52	insurance	insurance	NOUN
cblr-3006	116	53	,	,	PUNCT
cblr-3006	116	54	and	and	CCONJ
cblr-3006	116	55	ancillary	ancillary	ADJ
cblr-3006	116	56	benefits	benefit	NOUN
cblr-3006	116	57	like	like	ADP
cblr-3006	116	58	frequent	frequent	ADJ
cblr-3006	116	59	flyer	flyer	NOUN
cblr-3006	116	60	miles	mile	NOUN
cblr-3006	116	61	or	or	CCONJ
cblr-3006	116	62	affinity	affinity	NOUN
cblr-3006	116	63	card	card	NOUN
cblr-3006	116	64	programs	program	NOUN
cblr-3006	116	65	with	with	ADP
cblr-3006	116	66	nonprofit	nonprofit	ADJ
cblr-3006	116	67	organizations	organization	NOUN
cblr-3006	116	68	.	.	PUNCT
cblr-3006	117	1	because	because	SCONJ
cblr-3006	117	2	american	american	PROPN
cblr-3006	117	3	express	express	VERB
cblr-3006	117	4	and	and	CCONJ
cblr-3006	117	5	discover	discover	VERB
cblr-3006	117	6	are	be	AUX
cblr-3006	117	7	unitary	unitary	ADJ
cblr-3006	117	8	systems	system	NOUN
cblr-3006	117	9	rather	rather	ADV
cblr-3006	117	10	than	than	ADP
cblr-3006	117	11	joint	joint	ADJ
cblr-3006	117	12	ventures	venture	NOUN
cblr-3006	117	13	,	,	PUNCT
cblr-3006	117	14	they	they	PRON
cblr-3006	117	15	combine	combine	VERB
cblr-3006	117	16	the	the	DET
cblr-3006	117	17	functions	function	NOUN
cblr-3006	117	18	of	of	ADP
cblr-3006	117	19	issuer	issuer	NOUN
cblr-3006	117	20	and	and	CCONJ
cblr-3006	117	21	acquirer	acquirer	NOUN
cblr-3006	117	22	and	and	CCONJ
cblr-3006	117	23	thus	thus	ADV
cblr-3006	117	24	capture	capture	VERB
cblr-3006	117	25	the	the	DET
cblr-3006	117	26	entire	entire	ADJ
cblr-3006	117	27	merchant	merchant	NOUN
cblr-3006	117	28	discount	discount	NOUN
cblr-3006	117	29	directly	directly	ADV
cblr-3006	117	30	.	.	PUNCT
cblr-3006	118	1	american	american	PROPN
cblr-3006	118	2	express	express	PROPN
cblr-3006	118	3	charges	charge	NOUN
cblr-3006	118	4	a	a	DET
cblr-3006	118	5	relatively	relatively	ADV
cblr-3006	118	6	high	high	ADJ
cblr-3006	118	7	merchant	merchant	NOUN
cblr-3006	118	8	discount	discount	NOUN
cblr-3006	118	9	rate	rate	NOUN
cblr-3006	118	10	,	,	PUNCT
cblr-3006	118	11	averaging	average	VERB
cblr-3006	118	12	2.7	2.7	NUM
cblr-3006	118	13	%	%	NOUN
cblr-3006	118	14	,	,	PUNCT
cblr-3006	118	15	whereas	whereas	SCONJ
cblr-3006	118	16	discover	discover	VERB
cblr-3006	118	17	charges	charge	NOUN
cblr-3006	118	18	a	a	DET
cblr-3006	118	19	relatively	relatively	ADV
cblr-3006	118	20	low	low	ADJ
cblr-3006	118	21	rate	rate	NOUN
cblr-3006	118	22	,	,	PUNCT
cblr-3006	118	23	averaging	average	VERB
cblr-3006	118	24	1.5	1.5	NUM
cblr-3006	118	25	%	%	NOUN
cblr-3006	118	26	.	.	PUNCT
cblr-3006	118	27	"	"	PUNCT
cblr-3006	119	1	payment	payment	NOUN
cblr-3006	119	2	cards	card	NOUN
cblr-3006	119	3	thus	thus	ADV
cblr-3006	119	4	simultaneously	simultaneously	ADV
cblr-3006	119	5	benefit	benefit	VERB
cblr-3006	119	6	two	two	NUM
cblr-3006	119	7	groupsconsumers	groupsconsumer	NOUN
cblr-3006	119	8	who	who	PRON
cblr-3006	119	9	use	use	VERB
cblr-3006	119	10	cards	card	NOUN
cblr-3006	119	11	to	to	PART
cblr-3006	119	12	pay	pay	VERB
cblr-3006	119	13	for	for	ADP
cblr-3006	119	14	purchases	purchase	NOUN
cblr-3006	119	15	and	and	CCONJ
cblr-3006	119	16	merchants	merchant	NOUN
cblr-3006	119	17	who	who	PRON
cblr-3006	119	18	use	use	VERB
cblr-3006	119	19	cards	card	NOUN
cblr-3006	119	20	to	to	PART
cblr-3006	119	21	receive	receive	VERB
cblr-3006	119	22	payment	payment	NOUN
cblr-3006	119	23	for	for	ADP
cblr-3006	119	24	their	their	PRON
cblr-3006	119	25	sales	sale	NOUN
cblr-3006	119	26	.	.	PUNCT
cblr-3006	120	1	the	the	DET
cblr-3006	120	2	demands	demand	NOUN
cblr-3006	120	3	of	of	ADP
cblr-3006	120	4	the	the	DET
cblr-3006	120	5	two	two	NUM
cblr-3006	120	6	groups	group	NOUN
cblr-3006	120	7	are	be	AUX
cblr-3006	120	8	interdependent	interdependent	ADJ
cblr-3006	120	9	in	in	ADP
cblr-3006	120	10	that	that	DET
cblr-3006	120	11	one	one	NUM
cblr-3006	120	12	values	value	VERB
cblr-3006	120	13	the	the	DET
cblr-3006	120	14	product	product	NOUN
cblr-3006	120	15	only	only	ADV
cblr-3006	120	16	if	if	SCONJ
cblr-3006	120	17	the	the	DET
cblr-3006	120	18	other	other	ADJ
cblr-3006	120	19	does	do	VERB
cblr-3006	120	20	as	as	ADV
cblr-3006	120	21	well	well	ADV
cblr-3006	120	22	.	.	PUNCT
cblr-3006	121	1	as	as	SCONJ
cblr-3006	121	2	9	9	NUM
cblr-3006	121	3	see	see	VERB
cblr-3006	121	4	united	united	PROPN
cblr-3006	121	5	states	states	PROPN
cblr-3006	121	6	v.	v.	ADP
cblr-3006	121	7	visa	visa	NOUN
cblr-3006	121	8	,	,	PUNCT
cblr-3006	121	9	344	344	NUM
cblr-3006	121	10	f.3d	f.3d	NUM
cblr-3006	121	11	229	229	NUM
cblr-3006	121	12	,	,	PUNCT
cblr-3006	121	13	235	235	NUM
cblr-3006	121	14	(	(	PUNCT
cblr-3006	121	15	2d	2d	NUM
cblr-3006	121	16	cir	cir	NOUN
cblr-3006	121	17	.	.	PUNCT
cblr-3006	121	18	2003	2003	NUM
cblr-3006	121	19	)	)	PUNCT
cblr-3006	121	20	.	.	PUNCT
cblr-3006	122	1	10	10	NUM
cblr-3006	122	2	in	in	ADP
cblr-3006	122	3	2002	2002	NUM
cblr-3006	122	4	,	,	PUNCT
cblr-3006	122	5	the	the	DET
cblr-3006	122	6	ten	ten	NUM
cblr-3006	122	7	largest	large	ADJ
cblr-3006	122	8	bank	bank	NOUN
cblr-3006	122	9	issuers	issuer	NOUN
cblr-3006	122	10	of	of	ADP
cblr-3006	122	11	credit	credit	NOUN
cblr-3006	122	12	cards	card	NOUN
cblr-3006	122	13	captured	capture	VERB
cblr-3006	122	14	about	about	ADV
cblr-3006	122	15	75	75	NUM
cblr-3006	122	16	%	%	NOUN
cblr-3006	122	17	of	of	ADP
cblr-3006	122	18	the	the	DET
cblr-3006	122	19	market	market	NOUN
cblr-3006	122	20	.	.	PUNCT
cblr-3006	123	1	the	the	DET
cblr-3006	123	2	top	top	ADJ
cblr-3006	123	3	twenty	twenty	NUM
cblr-3006	123	4	-	-	PUNCT
cblr-3006	123	5	five	five	NUM
cblr-3006	123	6	issuers	issuer	NOUN
cblr-3006	123	7	controlled	control	VERB
cblr-3006	123	8	about	about	ADP
cblr-3006	123	9	85	85	NUM
cblr-3006	123	10	%	%	NOUN
cblr-3006	123	11	of	of	ADP
cblr-3006	123	12	the	the	DET
cblr-3006	123	13	market	market	NOUN
cblr-3006	123	14	.	.	PUNCT
cblr-3006	124	1	evans	evans	PROPN
cblr-3006	124	2	&	&	CCONJ
cblr-3006	124	3	schmalensee	schmalensee	PROPN
cblr-3006	124	4	,	,	PUNCT
cblr-3006	124	5	supra	supra	PROPN
cblr-3006	124	6	note	note	NOUN
cblr-3006	124	7	2	2	NUM
cblr-3006	124	8	,	,	PUNCT
cblr-3006	124	9	at	at	ADP
cblr-3006	124	10	173	173	NUM
cblr-3006	124	11	.	.	PUNCT
cblr-3006	125	1	american	american	PROPN
cblr-3006	125	2	express	express	VERB
cblr-3006	125	3	and	and	CCONJ
cblr-3006	125	4	discover	discover	VERB
cblr-3006	125	5	raise	raise	NOUN
cblr-3006	125	6	the	the	DET
cblr-3006	125	7	percentage	percentage	NOUN
cblr-3006	125	8	controlled	control	VERB
cblr-3006	125	9	by	by	ADP
cblr-3006	125	10	the	the	DET
cblr-3006	125	11	top	top	ADJ
cblr-3006	125	12	ten	ten	NUM
cblr-3006	125	13	to	to	PART
cblr-3006	125	14	78	78	NUM
cblr-3006	125	15	%	%	NOUN
cblr-3006	125	16	of	of	ADP
cblr-3006	125	17	total	total	ADJ
cblr-3006	125	18	charge	charge	NOUN
cblr-3006	125	19	volume	volume	NOUN
cblr-3006	125	20	.	.	PUNCT
cblr-3006	126	1	i	i	PRON
cblr-3006	126	2	d.	d.	PROPN
cblr-3006	126	3	at	at	ADP
cblr-3006	126	4	214	214	NUM
cblr-3006	126	5	.	.	PUNCT
cblr-3006	126	6	"	"	PUNCT
cblr-3006	127	1	see	see	VERB
cblr-3006	127	2	i	i	PRON
cblr-3006	127	3	d.	d.	PROPN
cblr-3006	127	4	at	at	ADP
cblr-3006	127	5	236	236	NUM
cblr-3006	127	6	.	.	PUNCT
cblr-3006	128	1	the	the	DET
cblr-3006	128	2	economics	economic	NOUN
cblr-3006	128	3	of	of	ADP
cblr-3006	128	4	two	two	NUM
cblr-3006	128	5	-	-	PUNCT
cblr-3006	128	6	sided	sided	ADJ
cblr-3006	128	7	marketsno	marketsno	NOUN
cblr-3006	128	8	.	.	PUNCT
cblr-3006	129	1	3:5151	3:5151	NUM
cblr-3006	129	2	522	522	NUM
cblr-3006	129	3	columbia	columbia	PROPN
cblr-3006	129	4	business	business	NOUN
cblr-3006	129	5	law	law	PROPN
cblr-3006	129	6	re	re	PROPN
cblr-3006	129	7	vie	vie	PROPN
cblr-3006	129	8	w	w	PROPN
cblr-3006	130	1	[	[	X
cblr-3006	130	2	vol	vol	NOUN
cblr-3006	130	3	.	.	PUNCT
cblr-3006	130	4	2005	2005	NUM
cblr-3006	130	5	discussed	discuss	VERB
cblr-3006	130	6	above	above	ADV
cblr-3006	130	7	,	,	PUNCT
cblr-3006	130	8	in	in	ADP
cblr-3006	130	9	two	two	NUM
cblr-3006	130	10	-	-	PUNCT
cblr-3006	130	11	sided	sided	ADJ
cblr-3006	130	12	markets	market	NOUN
cblr-3006	130	13	the	the	DET
cblr-3006	130	14	side	side	NOUN
cblr-3006	130	15	with	with	ADP
cblr-3006	130	16	less	less	ADJ
cblr-3006	130	17	elastic	elastic	ADJ
cblr-3006	130	18	demand	demand	NOUN
cblr-3006	130	19	and	and	CCONJ
cblr-3006	130	20	lower	low	ADJ
cblr-3006	130	21	network	network	NOUN
cblr-3006	130	22	effects	effect	NOUN
cblr-3006	130	23	will	will	AUX
cblr-3006	130	24	generally	generally	ADV
cblr-3006	130	25	"	"	PUNCT
cblr-3006	130	26	subsidize	subsidize	VERB
cblr-3006	130	27	"	"	PUNCT
cblr-3006	130	28	the	the	DET
cblr-3006	130	29	other	other	ADJ
cblr-3006	130	30	side	side	NOUN
cblr-3006	130	31	.	.	PUNCT
cblr-3006	131	1	with	with	ADP
cblr-3006	131	2	payment	payment	NOUN
cblr-3006	131	3	cards	card	NOUN
cblr-3006	131	4	,	,	PUNCT
cblr-3006	131	5	merchants	merchant	NOUN
cblr-3006	131	6	would	would	AUX
cblr-3006	131	7	be	be	AUX
cblr-3006	131	8	expected	expect	VERB
cblr-3006	131	9	to	to	PART
cblr-3006	131	10	pay	pay	VERB
cblr-3006	131	11	more	more	ADJ
cblr-3006	131	12	than	than	ADP
cblr-3006	131	13	consumers.12	consumers.12	NOUN
cblr-3006	131	14	although	although	SCONJ
cblr-3006	131	15	network	network	NOUN
cblr-3006	131	16	effects	effect	NOUN
cblr-3006	131	17	are	be	AUX
cblr-3006	131	18	clearly	clearly	ADV
cblr-3006	131	19	present	present	ADJ
cblr-3006	131	20	,	,	PUNCT
cblr-3006	131	21	the	the	DET
cblr-3006	131	22	effects	effect	NOUN
cblr-3006	131	23	do	do	AUX
cblr-3006	131	24	not	not	PART
cblr-3006	131	25	appear	appear	VERB
cblr-3006	131	26	to	to	PART
cblr-3006	131	27	be	be	AUX
cblr-3006	131	28	greater	great	ADJ
cblr-3006	131	29	in	in	ADP
cblr-3006	131	30	one	one	NUM
cblr-3006	131	31	direction	direction	NOUN
cblr-3006	131	32	than	than	ADP
cblr-3006	131	33	the	the	DET
cblr-3006	131	34	other	other	ADJ
cblr-3006	131	35	-	-	PUNCT
cblr-3006	131	36	consumers	consumer	NOUN
cblr-3006	131	37	and	and	CCONJ
cblr-3006	131	38	merchants	merchant	NOUN
cblr-3006	131	39	both	both	PRON
cblr-3006	131	40	benefit	benefit	VERB
cblr-3006	131	41	substantially	substantially	ADV
cblr-3006	131	42	from	from	ADP
cblr-3006	131	43	payment	payment	NOUN
cblr-3006	131	44	cards	card	NOUN
cblr-3006	131	45	.	.	PUNCT
cblr-3006	132	1	on	on	ADP
cblr-3006	132	2	the	the	DET
cblr-3006	132	3	other	other	ADJ
cblr-3006	132	4	hand	hand	NOUN
cblr-3006	132	5	,	,	PUNCT
cblr-3006	132	6	cardholder	cardholder	VERB
cblr-3006	132	7	demand	demand	NOUN
cblr-3006	132	8	for	for	ADP
cblr-3006	132	9	a	a	DET
cblr-3006	132	10	particular	particular	ADJ
cblr-3006	132	11	system	system	NOUN
cblr-3006	132	12	's	's	PART
cblr-3006	132	13	card	card	NOUN
cblr-3006	132	14	is	be	AUX
cblr-3006	132	15	likely	likely	ADJ
cblr-3006	132	16	to	to	PART
cblr-3006	132	17	be	be	AUX
cblr-3006	132	18	more	more	ADJ
cblr-3006	132	19	price	price	NOUN
cblr-3006	132	20	-	-	PUNCT
cblr-3006	132	21	sensitive	sensitive	ADJ
cblr-3006	132	22	than	than	ADP
cblr-3006	132	23	merchant	merchant	NOUN
cblr-3006	132	24	demand	demand	NOUN
cblr-3006	132	25	,	,	PUNCT
cblr-3006	132	26	leading	lead	VERB
cblr-3006	132	27	to	to	ADP
cblr-3006	132	28	merchant	merchant	NOUN
cblr-3006	132	29	fees	fee	NOUN
cblr-3006	132	30	that	that	PRON
cblr-3006	132	31	are	be	AUX
cblr-3006	132	32	higher	high	ADJ
cblr-3006	132	33	than	than	ADP
cblr-3006	132	34	cardholder	cardholder	VERB
cblr-3006	132	35	fees	fee	NOUN
cblr-3006	132	36	.	.	PUNCT
cblr-3006	133	1	cardholders	cardholder	NOUN
cblr-3006	133	2	are	be	AUX
cblr-3006	133	3	more	more	ADJ
cblr-3006	133	4	price	price	NOUN
cblr-3006	133	5	-	-	PUNCT
cblr-3006	133	6	sensitive	sensitive	ADJ
cblr-3006	133	7	because	because	SCONJ
cblr-3006	133	8	many	many	ADJ
cblr-3006	133	9	consumers	consumer	NOUN
cblr-3006	133	10	have	have	VERB
cblr-3006	133	11	multiple	multiple	ADJ
cblr-3006	133	12	payment	payment	NOUN
cblr-3006	133	13	methods	method	NOUN
cblr-3006	133	14	,	,	PUNCT
cblr-3006	133	15	including	include	VERB
cblr-3006	133	16	alternative	alternative	ADJ
cblr-3006	133	17	payment	payment	NOUN
cblr-3006	133	18	cards	card	NOUN
cblr-3006	133	19	.	.	PUNCT
cblr-3006	134	1	most	most	ADJ
cblr-3006	134	2	merchants	merchant	NOUN
cblr-3006	134	3	,	,	PUNCT
cblr-3006	134	4	by	by	ADP
cblr-3006	134	5	contrast	contrast	NOUN
cblr-3006	134	6	,	,	PUNCT
cblr-3006	134	7	can	can	AUX
cblr-3006	134	8	not	not	PART
cblr-3006	134	9	accept	accept	VERB
cblr-3006	134	10	just	just	ADV
cblr-3006	134	11	one	one	NUM
cblr-3006	134	12	major	major	ADJ
cblr-3006	134	13	card	card	NOUN
cblr-3006	134	14	because	because	SCONJ
cblr-3006	134	15	they	they	PRON
cblr-3006	134	16	are	be	AUX
cblr-3006	134	17	likely	likely	ADJ
cblr-3006	134	18	to	to	PART
cblr-3006	134	19	lose	lose	VERB
cblr-3006	134	20	profitable	profitable	ADJ
cblr-3006	134	21	incremental	incremental	ADJ
cblr-3006	134	22	sales	sale	NOUN
cblr-3006	134	23	if	if	SCONJ
cblr-3006	134	24	they	they	PRON
cblr-3006	134	25	do	do	AUX
cblr-3006	134	26	not	not	PART
cblr-3006	134	27	take	take	VERB
cblr-3006	134	28	the	the	DET
cblr-3006	134	29	major	major	ADJ
cblr-3006	134	30	payment	payment	NOUN
cblr-3006	134	31	cards.13	cards.13	PROPN
cblr-3006	134	32	because	because	SCONJ
cblr-3006	134	33	most	most	ADJ
cblr-3006	134	34	consumers	consumer	NOUN
cblr-3006	134	35	do	do	AUX
cblr-3006	134	36	not	not	PART
cblr-3006	134	37	carry	carry	VERB
cblr-3006	134	38	all	all	PRON
cblr-3006	134	39	of	of	ADP
cblr-3006	134	40	the	the	DET
cblr-3006	134	41	major	major	ADJ
cblr-3006	134	42	payment	payment	NOUN
cblr-3006	134	43	cards	card	NOUN
cblr-3006	134	44	,	,	PUNCT
cblr-3006	134	45	refusing	refuse	VERB
cblr-3006	134	46	to	to	PART
cblr-3006	134	47	accept	accept	VERB
cblr-3006	134	48	a	a	DET
cblr-3006	134	49	major	major	ADJ
cblr-3006	134	50	card	card	NOUN
cblr-3006	134	51	may	may	AUX
cblr-3006	134	52	cost	cost	VERB
cblr-3006	134	53	the	the	DET
cblr-3006	134	54	merchant	merchant	NOUN
cblr-3006	134	55	substantial	substantial	ADJ
cblr-3006	134	56	sales	sale	NOUN
cblr-3006	134	57	.	.	PUNCT
cblr-3006	135	1	4	4	NUM
cblr-3006	135	2	credit	credit	NOUN
cblr-3006	135	3	card	card	NOUN
cblr-3006	135	4	issuers	issuer	NOUN
cblr-3006	135	5	have	have	VERB
cblr-3006	135	6	three	three	NUM
cblr-3006	135	7	streams	stream	NOUN
cblr-3006	135	8	of	of	ADP
cblr-3006	135	9	revenue	revenue	NOUN
cblr-3006	135	10	.	.	PUNCT
cblr-3006	136	1	first	first	ADV
cblr-3006	136	2	,	,	PUNCT
cblr-3006	136	3	the	the	DET
cblr-3006	136	4	acquirer	acquirer	NOUN
cblr-3006	136	5	pays	pay	VERB
cblr-3006	136	6	the	the	DET
cblr-3006	136	7	interchange	interchange	NOUN
cblr-3006	136	8	fee	fee	NOUN
cblr-3006	136	9	whenever	whenever	SCONJ
cblr-3006	136	10	consumers	consumer	NOUN
cblr-3006	136	11	use	use	VERB
cblr-3006	136	12	the	the	DET
cblr-3006	136	13	issuer	issuer	NOUN
cblr-3006	136	14	's	's	PART
cblr-3006	136	15	card	card	NOUN
cblr-3006	136	16	.	.	PUNCT
cblr-3006	137	1	(	(	PUNCT
cblr-3006	137	2	american	american	PROPN
cblr-3006	137	3	express	express	VERB
cblr-3006	137	4	and	and	CCONJ
cblr-3006	137	5	discover	discover	VERB
cblr-3006	137	6	receive	receive	VERB
cblr-3006	137	7	the	the	DET
cblr-3006	137	8	entire	entire	ADJ
cblr-3006	137	9	merchant	merchant	NOUN
cblr-3006	137	10	discount	discount	NOUN
cblr-3006	137	11	.	.	PUNCT
cblr-3006	137	12	)	)	PUNCT
cblr-3006	138	1	second	second	ADV
cblr-3006	138	2	,	,	PUNCT
cblr-3006	138	3	issuers	issuer	NOUN
cblr-3006	138	4	gain	gain	VERB
cblr-3006	138	5	revenues	revenue	NOUN
cblr-3006	138	6	from	from	ADP
cblr-3006	138	7	consumers	consumer	NOUN
cblr-3006	138	8	who	who	PRON
cblr-3006	138	9	revolve	revolve	VERB
cblr-3006	138	10	balances	balance	NOUN
cblr-3006	138	11	from	from	ADP
cblr-3006	138	12	one	one	NUM
cblr-3006	138	13	month	month	NOUN
cblr-3006	138	14	to	to	ADP
cblr-3006	138	15	the	the	DET
cblr-3006	138	16	next	next	ADJ
cblr-3006	138	17	.	.	PUNCT
cblr-3006	139	1	these	these	DET
cblr-3006	139	2	revenues	revenue	NOUN
cblr-3006	139	3	consist	consist	VERB
cblr-3006	139	4	primarily	primarily	ADV
cblr-3006	139	5	of	of	ADP
cblr-3006	139	6	interest	interest	NOUN
cblr-3006	139	7	paid	pay	VERB
cblr-3006	139	8	on	on	ADP
cblr-3006	139	9	the	the	DET
cblr-3006	139	10	balance	balance	NOUN
cblr-3006	139	11	,	,	PUNCT
cblr-3006	139	12	but	but	CCONJ
cblr-3006	139	13	also	also	ADV
cblr-3006	139	14	include	include	VERB
cblr-3006	139	15	penalties	penalty	NOUN
cblr-3006	139	16	and	and	CCONJ
cblr-3006	139	17	charges	charge	NOUN
cblr-3006	139	18	,	,	PUNCT
cblr-3006	139	19	such	such	ADJ
cblr-3006	139	20	as	as	ADP
cblr-3006	139	21	late	late	ADJ
cblr-3006	139	22	fees	fee	NOUN
cblr-3006	139	23	and	and	CCONJ
cblr-3006	139	24	finance	finance	NOUN
cblr-3006	139	25	charges	charge	NOUN
cblr-3006	139	26	.	.	PUNCT
cblr-3006	140	1	third	third	ADJ
cblr-3006	140	2	,	,	PUNCT
cblr-3006	140	3	some	some	DET
cblr-3006	140	4	issuers	issuer	NOUN
cblr-3006	140	5	assess	assess	VERB
cblr-3006	140	6	an	an	DET
cblr-3006	140	7	annual	annual	ADJ
cblr-3006	140	8	fee	fee	NOUN
cblr-3006	140	9	for	for	ADP
cblr-3006	140	10	their	their	PRON
cblr-3006	140	11	cards	card	NOUN
cblr-3006	140	12	.	.	PUNCT
cblr-3006	141	1	different	different	ADJ
cblr-3006	141	2	issuers	issuer	NOUN
cblr-3006	141	3	capture	capture	VERB
cblr-3006	141	4	different	different	ADJ
cblr-3006	141	5	shares	share	NOUN
cblr-3006	141	6	of	of	ADP
cblr-3006	141	7	these	these	DET
cblr-3006	141	8	revenues	revenue	NOUN
cblr-3006	141	9	.	.	PUNCT
cblr-3006	142	1	american	american	PROPN
cblr-3006	142	2	express	express	PROPN
cblr-3006	142	3	earns	earn	VERB
cblr-3006	142	4	most	most	ADJ
cblr-3006	142	5	of	of	ADP
cblr-3006	142	6	its	its	PRON
cblr-3006	142	7	revenues	revenue	NOUN
cblr-3006	142	8	(	(	PUNCT
cblr-3006	142	9	approximately	approximately	ADV
cblr-3006	142	10	82	82	NUM
cblr-3006	142	11	%	%	NOUN
cblr-3006	142	12	)	)	PUNCT
cblr-3006	142	13	from	from	ADP
cblr-3006	142	14	its	its	PRON
cblr-3006	142	15	high	high	ADJ
cblr-3006	142	16	merchant	merchant	NOUN
cblr-3006	142	17	discount	discount	NOUN
cblr-3006	142	18	.	.	PUNCT
cblr-3006	143	1	5	5	NUM
cblr-3006	143	2	visa	visa	NOUN
cblr-3006	143	3	and	and	CCONJ
cblr-3006	143	4	mastercard	mastercard	PROPN
cblr-3006	143	5	issuers	issuer	NOUN
cblr-3006	143	6	,	,	PUNCT
cblr-3006	143	7	by	by	ADP
cblr-3006	143	8	contrast	contrast	NOUN
cblr-3006	143	9	,	,	PUNCT
cblr-3006	143	10	receive	receive	VERB
cblr-3006	143	11	substantial	substantial	ADJ
cblr-3006	143	12	revenue	revenue	NOUN
cblr-3006	143	13	from	from	ADP
cblr-3006	143	14	consumers	consumer	NOUN
cblr-3006	143	15	via	via	ADP
cblr-3006	143	16	revolving	revolve	VERB
cblr-3006	143	17	debt	debt	NOUN
cblr-3006	143	18	,	,	PUNCT
cblr-3006	143	19	as	as	ADV
cblr-3006	143	20	well	well	ADV
cblr-3006	143	21	as	as	ADP
cblr-3006	143	22	12	12	NUM
cblr-3006	143	23	see	see	NOUN
cblr-3006	143	24	klein	klein	PROPN
cblr-3006	143	25	et	et	PROPN
cblr-3006	143	26	al	al	PROPN
cblr-3006	143	27	.	.	PROPN
cblr-3006	143	28	,	,	PUNCT
cblr-3006	143	29	supra	supra	PROPN
cblr-3006	143	30	note	note	NOUN
cblr-3006	143	31	2	2	NUM
cblr-3006	143	32	,	,	PUNCT
cblr-3006	143	33	at	at	ADP
cblr-3006	143	34	18	18	NUM
cblr-3006	143	35	.	.	SYM
cblr-3006	143	36	13	13	NUM
cblr-3006	144	1	i	i	PRON
cblr-3006	144	2	d.	d.	PROPN
cblr-3006	144	3	at	at	ADP
cblr-3006	144	4	5	5	NUM
cblr-3006	144	5	.	.	SYM
cblr-3006	144	6	14	14	NUM
cblr-3006	144	7	klein	klein	PROPN
cblr-3006	144	8	et	et	PROPN
cblr-3006	144	9	al	al	PROPN
cblr-3006	144	10	.	.	PROPN
cblr-3006	144	11	estimate	estimate	VERB
cblr-3006	144	12	that	that	SCONJ
cblr-3006	144	13	it	it	PRON
cblr-3006	144	14	would	would	AUX
cblr-3006	144	15	not	not	PART
cblr-3006	144	16	be	be	AUX
cblr-3006	144	17	profitable	profitable	ADJ
cblr-3006	144	18	for	for	ADP
cblr-3006	144	19	a	a	DET
cblr-3006	144	20	merchant	merchant	NOUN
cblr-3006	144	21	to	to	PART
cblr-3006	144	22	drop	drop	VERB
cblr-3006	144	23	visa	visa	NOUN
cblr-3006	144	24	if	if	SCONJ
cblr-3006	144	25	the	the	DET
cblr-3006	144	26	merchant	merchant	NOUN
cblr-3006	144	27	lost	lose	VERB
cblr-3006	144	28	just	just	ADV
cblr-3006	144	29	one	one	NUM
cblr-3006	144	30	in	in	ADP
cblr-3006	144	31	five	five	NUM
cblr-3006	144	32	of	of	ADP
cblr-3006	144	33	the	the	DET
cblr-3006	144	34	sales	sale	NOUN
cblr-3006	144	35	that	that	PRON
cblr-3006	144	36	it	it	PRON
cblr-3006	144	37	otherwise	otherwise	ADV
cblr-3006	144	38	would	would	AUX
cblr-3006	144	39	have	have	AUX
cblr-3006	144	40	made	make	VERB
cblr-3006	144	41	.	.	PUNCT
cblr-3006	145	1	i	i	PRON
cblr-3006	145	2	d.	d.	PROPN
cblr-3006	145	3	at	at	ADP
cblr-3006	145	4	21	21	NUM
cblr-3006	145	5	.	.	PUNCT
cblr-3006	145	6	15	15	NUM
cblr-3006	146	1	david	david	PROPN
cblr-3006	146	2	s.	s.	PROPN
cblr-3006	146	3	evans	evans	PROPN
cblr-3006	146	4	,	,	PUNCT
cblr-3006	146	5	it	it	PRON
cblr-3006	146	6	takes	take	VERB
cblr-3006	146	7	two	two	NUM
cblr-3006	146	8	to	to	ADP
cblr-3006	146	9	tango	tango	NOUN
cblr-3006	146	10	:	:	PUNCT
cblr-3006	146	11	the	the	DET
cblr-3006	146	12	economics	economic	NOUN
cblr-3006	146	13	of	of	ADP
cblr-3006	146	14	twosided	twoside	VERB
cblr-3006	146	15	markets	market	NOUN
cblr-3006	146	16	,	,	PUNCT
cblr-3006	146	17	1	1	NUM
cblr-3006	146	18	payment	payment	NOUN
cblr-3006	146	19	card	card	NOUN
cblr-3006	146	20	econ	econ	NOUN
cblr-3006	146	21	.	.	PUNCT
cblr-3006	147	1	rev	rev	PROPN
cblr-3006	147	2	.	.	PROPN
cblr-3006	147	3	3	3	NUM
cblr-3006	147	4	,	,	PUNCT
cblr-3006	147	5	4	4	NUM
cblr-3006	147	6	(	(	PUNCT
cblr-3006	147	7	2003	2003	NUM
cblr-3006	147	8	)	)	PUNCT
cblr-3006	147	9	.	.	PUNCT
cblr-3006	148	1	through	through	ADP
cblr-3006	148	2	other	other	ADJ
cblr-3006	148	3	charges	charge	NOUN
cblr-3006	148	4	and	and	CCONJ
cblr-3006	148	5	late	late	ADJ
cblr-3006	148	6	fees	fee	NOUN
cblr-3006	148	7	.	.	PUNCT
cblr-3006	149	1	issuers	issuer	NOUN
cblr-3006	149	2	of	of	ADP
cblr-3006	149	3	these	these	DET
cblr-3006	149	4	cards	card	NOUN
cblr-3006	149	5	earn	earn	VERB
cblr-3006	149	6	only	only	ADV
cblr-3006	149	7	15	15	NUM
cblr-3006	149	8	%	%	NOUN
cblr-3006	149	9	of	of	ADP
cblr-3006	149	10	their	their	PRON
cblr-3006	149	11	revenue	revenue	NOUN
cblr-3006	149	12	from	from	ADP
cblr-3006	149	13	interchange	interchange	NOUN
cblr-3006	149	14	fees	fee	NOUN
cblr-3006	149	15	,	,	PUNCT
cblr-3006	149	16	with	with	ADP
cblr-3006	149	17	70	70	NUM
cblr-3006	149	18	%	%	NOUN
cblr-3006	149	19	of	of	ADP
cblr-3006	149	20	their	their	PRON
cblr-3006	149	21	revenue	revenue	NOUN
cblr-3006	149	22	derived	derive	VERB
cblr-3006	149	23	from	from	ADP
cblr-3006	149	24	finance	finance	NOUN
cblr-3006	149	25	charges	charge	NOUN
cblr-3006	149	26	,	,	PUNCT
cblr-3006	149	27	12	12	NUM
cblr-3006	149	28	%	%	NOUN
cblr-3006	149	29	from	from	ADP
cblr-3006	149	30	penalty	penalty	NOUN
cblr-3006	149	31	and	and	CCONJ
cblr-3006	149	32	cash	cash	NOUN
cblr-3006	149	33	advance	advance	NOUN
cblr-3006	149	34	fees	fee	NOUN
cblr-3006	149	35	,	,	PUNCT
cblr-3006	149	36	and	and	CCONJ
cblr-3006	149	37	3	3	NUM
cblr-3006	149	38	%	%	NOUN
cblr-3006	149	39	from	from	ADP
cblr-3006	149	40	annual	annual	ADJ
cblr-3006	149	41	fees	fee	NOUN
cblr-3006	149	42	.	.	PUNCT
cblr-3006	150	1	6	6	NUM
cblr-3006	150	2	these	these	DET
cblr-3006	150	3	different	different	ADJ
cblr-3006	150	4	price	price	NOUN
cblr-3006	150	5	structures	structure	NOUN
cblr-3006	150	6	reflect	reflect	VERB
cblr-3006	150	7	,	,	PUNCT
cblr-3006	150	8	in	in	ADP
cblr-3006	150	9	part	part	NOUN
cblr-3006	150	10	,	,	PUNCT
cblr-3006	150	11	different	different	ADJ
cblr-3006	150	12	groups	group	NOUN
cblr-3006	150	13	of	of	ADP
cblr-3006	150	14	cardholders	cardholder	NOUN
cblr-3006	150	15	.	.	PUNCT
cblr-3006	151	1	american	american	PROPN
cblr-3006	151	2	express	express	PROPN
cblr-3006	151	3	receives	receive	VERB
cblr-3006	151	4	higher	high	ADJ
cblr-3006	151	5	merchant	merchant	NOUN
cblr-3006	151	6	discounts	discount	NOUN
cblr-3006	151	7	because	because	SCONJ
cblr-3006	151	8	its	its	PRON
cblr-3006	151	9	cardholders	cardholder	NOUN
cblr-3006	151	10	are	be	AUX
cblr-3006	151	11	financially	financially	ADV
cblr-3006	151	12	attractive	attractive	ADJ
cblr-3006	151	13	-	-	PUNCT
cblr-3006	151	14	especially	especially	ADV
cblr-3006	151	15	corporate	corporate	ADJ
cblr-3006	151	16	card	card	NOUN
cblr-3006	151	17	users	user	NOUN
cblr-3006	151	18	and	and	CCONJ
cblr-3006	151	19	wealthy	wealthy	ADJ
cblr-3006	151	20	individuals	individual	NOUN
cblr-3006	151	21	.	.	PUNCT
cblr-3006	152	1	moreover	moreover	ADV
cblr-3006	152	2	,	,	PUNCT
cblr-3006	152	3	corporate	corporate	ADJ
cblr-3006	152	4	card	card	NOUN
cblr-3006	152	5	accounts	account	NOUN
cblr-3006	152	6	will	will	AUX
cblr-3006	152	7	not	not	PART
cblr-3006	152	8	revolve	revolve	VERB
cblr-3006	152	9	,	,	PUNCT
cblr-3006	152	10	regardless	regardless	ADV
cblr-3006	152	11	of	of	ADP
cblr-3006	152	12	whether	whether	SCONJ
cblr-3006	152	13	the	the	DET
cblr-3006	152	14	corporate	corporate	ADJ
cblr-3006	152	15	account	account	NOUN
cblr-3006	152	16	is	be	AUX
cblr-3006	152	17	a	a	DET
cblr-3006	152	18	charge	charge	NOUN
cblr-3006	152	19	or	or	CCONJ
cblr-3006	152	20	credit	credit	NOUN
cblr-3006	152	21	card	card	NOUN
cblr-3006	152	22	.	.	PUNCT
cblr-3006	153	1	thus	thus	ADV
cblr-3006	153	2	,	,	PUNCT
cblr-3006	153	3	american	american	PROPN
cblr-3006	153	4	express	express	PROPN
cblr-3006	153	5	,	,	PUNCT
cblr-3006	153	6	with	with	ADP
cblr-3006	153	7	a	a	DET
cblr-3006	153	8	high	high	ADJ
cblr-3006	153	9	corporate	corporate	ADJ
cblr-3006	153	10	card	card	NOUN
cblr-3006	153	11	user	user	NOUN
cblr-3006	153	12	base	base	NOUN
cblr-3006	153	13	,	,	PUNCT
cblr-3006	153	14	relies	rely	VERB
cblr-3006	153	15	more	more	ADV
cblr-3006	153	16	heavily	heavily	ADV
cblr-3006	153	17	on	on	ADP
cblr-3006	153	18	revenue	revenue	NOUN
cblr-3006	153	19	streams	stream	NOUN
cblr-3006	153	20	from	from	ADP
cblr-3006	153	21	merchant	merchant	NOUN
cblr-3006	153	22	discounts	discount	NOUN
cblr-3006	153	23	and	and	CCONJ
cblr-3006	153	24	annual	annual	ADJ
cblr-3006	153	25	fees	fee	NOUN
cblr-3006	153	26	than	than	ADP
cblr-3006	153	27	on	on	ADP
cblr-3006	153	28	interest	interest	NOUN
cblr-3006	153	29	and	and	CCONJ
cblr-3006	153	30	penalties	penalty	NOUN
cblr-3006	153	31	.	.	PUNCT
cblr-3006	154	1	iv	iv	X
cblr-3006	154	2	.	.	PUNCT
cblr-3006	155	1	the	the	DET
cblr-3006	155	2	benefits	benefit	NOUN
cblr-3006	155	3	of	of	ADP
cblr-3006	155	4	payment	payment	NOUN
cblr-3006	155	5	cards	card	NOUN
cblr-3006	155	6	payment	payment	NOUN
cblr-3006	155	7	card	card	NOUN
cblr-3006	155	8	ownership	ownership	NOUN
cblr-3006	155	9	grew	grow	VERB
cblr-3006	155	10	dramatically	dramatically	ADV
cblr-3006	155	11	at	at	ADP
cblr-3006	155	12	the	the	DET
cblr-3006	155	13	end	end	NOUN
cblr-3006	155	14	of	of	ADP
cblr-3006	155	15	the	the	DET
cblr-3006	155	16	twentieth	twentieth	ADJ
cblr-3006	155	17	century	century	NOUN
cblr-3006	155	18	.	.	PUNCT
cblr-3006	156	1	from	from	ADP
cblr-3006	156	2	1970	1970	NUM
cblr-3006	156	3	to	to	ADP
cblr-3006	156	4	1986	1986	NUM
cblr-3006	156	5	,	,	PUNCT
cblr-3006	156	6	the	the	DET
cblr-3006	156	7	proportion	proportion	NOUN
cblr-3006	156	8	of	of	ADP
cblr-3006	156	9	families	family	NOUN
cblr-3006	156	10	owning	own	VERB
cblr-3006	156	11	a	a	DET
cblr-3006	156	12	general	general	ADJ
cblr-3006	156	13	purpose	purpose	NOUN
cblr-3006	156	14	bank	bank	NOUN
cblr-3006	156	15	card	card	NOUN
cblr-3006	156	16	rose	rise	VERB
cblr-3006	156	17	from	from	ADP
cblr-3006	156	18	16	16	NUM
cblr-3006	156	19	%	%	NOUN
cblr-3006	156	20	to	to	ADP
cblr-3006	156	21	55%,17	55%,17	NUM
cblr-3006	156	22	and	and	CCONJ
cblr-3006	156	23	by	by	ADP
cblr-3006	156	24	2001	2001	NUM
cblr-3006	156	25	,	,	PUNCT
cblr-3006	156	26	73	73	NUM
cblr-3006	156	27	%	%	NOUN
cblr-3006	156	28	owned	own	VERB
cblr-3006	156	29	a	a	DET
cblr-3006	156	30	card.18	card.18	NOUN
cblr-3006	156	31	most	most	ADJ
cblr-3006	156	32	of	of	ADP
cblr-3006	156	33	these	these	DET
cblr-3006	156	34	consumers	consumer	NOUN
cblr-3006	156	35	own	own	VERB
cblr-3006	156	36	more	more	ADJ
cblr-3006	156	37	than	than	ADP
cblr-3006	156	38	one	one	NUM
cblr-3006	156	39	card	card	NOUN
cblr-3006	156	40	;	;	PUNCT
cblr-3006	156	41	in	in	ADP
cblr-3006	156	42	2003	2003	NUM
cblr-3006	156	43	,	,	PUNCT
cblr-3006	156	44	the	the	DET
cblr-3006	156	45	average	average	ADJ
cblr-3006	156	46	cardholder	cardholder	NOUN
cblr-3006	156	47	held	hold	VERB
cblr-3006	156	48	four	four	NUM
cblr-3006	156	49	or	or	CCONJ
cblr-3006	156	50	five	five	NUM
cblr-3006	156	51	cards	card	NOUN
cblr-3006	156	52	.	.	PUNCT
cblr-3006	157	1	9	9	NUM
cblr-3006	157	2	among	among	ADP
cblr-3006	157	3	households	household	NOUN
cblr-3006	157	4	that	that	PRON
cblr-3006	157	5	own	own	ADJ
cblr-3006	157	6	cards	card	NOUN
cblr-3006	157	7	,	,	PUNCT
cblr-3006	157	8	66	66	NUM
cblr-3006	157	9	%	%	NOUN
cblr-3006	157	10	have	have	VERB
cblr-3006	157	11	more	more	ADJ
cblr-3006	157	12	than	than	ADP
cblr-3006	157	13	one	one	NUM
cblr-3006	157	14	,	,	PUNCT
cblr-3006	157	15	accounting	account	VERB
cblr-3006	157	16	for	for	ADP
cblr-3006	157	17	almost	almost	ADV
cblr-3006	157	18	80	80	NUM
cblr-3006	157	19	%	%	NOUN
cblr-3006	157	20	of	of	ADP
cblr-3006	157	21	credit	credit	NOUN
cblr-3006	157	22	card	card	NOUN
cblr-3006	157	23	transaction	transaction	NOUN
cblr-3006	157	24	volume	volume	NOUN
cblr-3006	157	25	.	.	PUNCT
cblr-3006	158	1	20	20	NUM
cblr-3006	158	2	these	these	DET
cblr-3006	158	3	consumers	consumer	NOUN
cblr-3006	158	4	can	can	AUX
cblr-3006	158	5	thus	thus	ADV
cblr-3006	158	6	switch	switch	VERB
cblr-3006	158	7	easily	easily	ADV
cblr-3006	158	8	among	among	ADP
cblr-3006	158	9	different	different	ADJ
cblr-3006	158	10	payment	payment	NOUN
cblr-3006	158	11	cards	card	NOUN
cblr-3006	158	12	,	,	PUNCT
cblr-3006	158	13	depending	depend	VERB
cblr-3006	158	14	on	on	ADP
cblr-3006	158	15	their	their	PRON
cblr-3006	158	16	relative	relative	ADJ
cblr-3006	158	17	costs	cost	NOUN
cblr-3006	158	18	and	and	CCONJ
cblr-3006	158	19	benefits	benefit	NOUN
cblr-3006	158	20	.	.	PUNCT
cblr-3006	159	1	in	in	ADP
cblr-3006	159	2	addition	addition	NOUN
cblr-3006	159	3	,	,	PUNCT
cblr-3006	159	4	most	most	ADJ
cblr-3006	159	5	consumers	consumer	NOUN
cblr-3006	159	6	own	own	VERB
cblr-3006	159	7	a	a	DET
cblr-3006	159	8	bank	bank	NOUN
cblr-3006	159	9	atm	atm	NOUN
cblr-3006	159	10	card	card	NOUN
cblr-3006	159	11	that	that	PRON
cblr-3006	159	12	can	can	AUX
cblr-3006	159	13	be	be	AUX
cblr-3006	159	14	used	use	VERB
cblr-3006	159	15	for	for	ADP
cblr-3006	159	16	debit	debit	NOUN
cblr-3006	159	17	transactions	transaction	NOUN
cblr-3006	159	18	.	.	PUNCT
cblr-3006	160	1	this	this	DET
cblr-3006	160	2	phenomenon	phenomenon	NOUN
cblr-3006	160	3	,	,	PUNCT
cblr-3006	160	4	called	call	VERB
cblr-3006	160	5	"	"	PUNCT
cblr-3006	160	6	multihoming	multihoming	ADJ
cblr-3006	160	7	,	,	PUNCT
cblr-3006	160	8	"	"	PUNCT
cblr-3006	160	9	refers	refer	VERB
cblr-3006	160	10	to	to	ADP
cblr-3006	160	11	retaining	retain	VERB
cblr-3006	160	12	access	access	NOUN
cblr-3006	160	13	to	to	ADP
cblr-3006	160	14	several	several	ADJ
cblr-3006	160	15	different	different	ADJ
cblr-3006	160	16	networks	network	NOUN
cblr-3006	160	17	simultaneously	simultaneously	ADV
cblr-3006	160	18	.	.	PUNCT
cblr-3006	161	1	multihoming	multihome	VERB
cblr-3006	161	2	increases	increase	NOUN
cblr-3006	161	3	competition	competition	NOUN
cblr-3006	161	4	and	and	CCONJ
cblr-3006	161	5	'	'	PUNCT
cblr-3006	161	6	telephone	telephone	NOUN
cblr-3006	161	7	interview	interview	NOUN
cblr-3006	161	8	with	with	ADP
cblr-3006	161	9	visa	visa	NOUN
cblr-3006	161	10	officials	official	NOUN
cblr-3006	161	11	(	(	PUNCT
cblr-3006	161	12	april	april	PROPN
cblr-3006	161	13	20	20	NUM
cblr-3006	161	14	,	,	PUNCT
cblr-3006	161	15	2005	2005	NUM
cblr-3006	161	16	)	)	PUNCT
cblr-3006	161	17	.	.	PUNCT
cblr-3006	162	1	17	17	NUM
cblr-3006	162	2	see	see	VERB
cblr-3006	162	3	fed	fed	PROPN
cblr-3006	162	4	.	.	PUNCT
cblr-3006	163	1	reserve	reserve	PROPN
cblr-3006	163	2	bd	bd	PROPN
cblr-3006	163	3	.	.	PROPN
cblr-3006	163	4	,	,	PUNCT
cblr-3006	163	5	the	the	DET
cblr-3006	163	6	profitability	profitability	NOUN
cblr-3006	163	7	of	of	ADP
cblr-3006	163	8	credit	credit	NOUN
cblr-3006	163	9	card	card	NOUN
cblr-3006	163	10	operations	operation	NOUN
cblr-3006	163	11	of	of	ADP
cblr-3006	163	12	depository	depository	NOUN
cblr-3006	163	13	institutions	institution	NOUN
cblr-3006	163	14	5	5	NUM
cblr-3006	163	15	(	(	PUNCT
cblr-3006	163	16	1999	1999	NUM
cblr-3006	163	17	)	)	PUNCT
cblr-3006	163	18	,	,	PUNCT
cblr-3006	163	19	available	available	ADJ
cblr-3006	163	20	at	at	ADP
cblr-3006	163	21	http://www	http://www	PROPN
cblr-3006	163	22	.	.	PUNCT
cblr-3006	164	1	federalreserve.gov/boarddocs/rptcongress/creditcard/1999/default.htm	federalreserve.gov/boarddocs/rptcongress/creditcard/1999/default.htm	PROPN
cblr-3006	164	2	.	.	PUNCT
cblr-3006	165	1	18	18	NUM
cblr-3006	165	2	evans	evans	PROPN
cblr-3006	165	3	&	&	CCONJ
cblr-3006	165	4	schmalensee	schmalensee	PROPN
cblr-3006	165	5	,	,	PUNCT
cblr-3006	165	6	supra	supra	PROPN
cblr-3006	165	7	note	note	NOUN
cblr-3006	165	8	2	2	NUM
cblr-3006	165	9	,	,	PUNCT
cblr-3006	165	10	at	at	ADP
cblr-3006	165	11	95	95	NUM
cblr-3006	165	12	.	.	PUNCT
cblr-3006	165	13	19	19	NUM
cblr-3006	165	14	see	see	VERB
cblr-3006	165	15	fed	fed	PROPN
cblr-3006	165	16	.	.	PUNCT
cblr-3006	166	1	reserve	reserve	PROPN
cblr-3006	166	2	bd	bd	PROPN
cblr-3006	166	3	.	.	PROPN
cblr-3006	166	4	,	,	PUNCT
cblr-3006	166	5	supra	supra	PROPN
cblr-3006	166	6	note	note	PROPN
cblr-3006	166	7	17	17	NUM
cblr-3006	166	8	,	,	PUNCT
cblr-3006	166	9	at	at	ADP
cblr-3006	166	10	4	4	NUM
cblr-3006	166	11	(	(	PUNCT
cblr-3006	166	12	the	the	DET
cblr-3006	166	13	precise	precise	ADJ
cblr-3006	166	14	average	average	NOUN
cblr-3006	166	15	was	be	AUX
cblr-3006	166	16	4.7	4.7	NUM
cblr-3006	166	17	)	)	PUNCT
cblr-3006	166	18	.	.	PUNCT
cblr-3006	167	1	20	20	NUM
cblr-3006	167	2	evans	evans	PROPN
cblr-3006	167	3	&	&	CCONJ
cblr-3006	167	4	schmalensee	schmalensee	PROPN
cblr-3006	167	5	,	,	PUNCT
cblr-3006	167	6	supra	supra	PROPN
cblr-3006	167	7	note	note	NOUN
cblr-3006	167	8	2	2	NUM
cblr-3006	167	9	,	,	PUNCT
cblr-3006	167	10	at	at	ADP
cblr-3006	167	11	232	232	NUM
cblr-3006	167	12	.	.	PUNCT
cblr-3006	168	1	the	the	DET
cblr-3006	168	2	economics	economic	NOUN
cblr-3006	168	3	of	of	ADP
cblr-3006	168	4	two	two	NUM
cblr-3006	168	5	-	-	PUNCT
cblr-3006	168	6	sided	sided	ADJ
cblr-3006	168	7	marketsno	marketsno	NOUN
cblr-3006	168	8	.	.	PUNCT
cblr-3006	169	1	3:5151	3:5151	NUM
cblr-3006	169	2	columbia	columbia	PROPN
cblr-3006	169	3	business	business	NOUN
cblr-3006	169	4	law	law	NOUN
cblr-3006	169	5	review	review	VERB
cblr-3006	169	6	consumer	consumer	NOUN
cblr-3006	169	7	choice	choice	NOUN
cblr-3006	169	8	by	by	ADP
cblr-3006	169	9	permitting	permit	VERB
cblr-3006	169	10	easy	easy	ADJ
cblr-3006	169	11	switching	switching	NOUN
cblr-3006	169	12	among	among	ADP
cblr-3006	169	13	networks	network	NOUN
cblr-3006	169	14	.	.	PUNCT
cblr-3006	169	15	'	'	PUNCT
cblr-3006	169	16	a.	a.	NOUN
cblr-3006	169	17	benefits	benefit	NOUN
cblr-3006	169	18	to	to	ADP
cblr-3006	169	19	consumers	consumer	NOUN
cblr-3006	169	20	the	the	DET
cblr-3006	169	21	dramatic	dramatic	ADJ
cblr-3006	169	22	growth	growth	NOUN
cblr-3006	169	23	of	of	ADP
cblr-3006	169	24	payment	payment	NOUN
cblr-3006	169	25	cards	card	NOUN
cblr-3006	169	26	reflects	reflect	VERB
cblr-3006	169	27	their	their	PRON
cblr-3006	169	28	attractiveness	attractiveness	NOUN
cblr-3006	169	29	to	to	ADP
cblr-3006	169	30	consumers	consumer	NOUN
cblr-3006	169	31	over	over	ADP
cblr-3006	169	32	other	other	ADJ
cblr-3006	169	33	forms	form	NOUN
cblr-3006	169	34	of	of	ADP
cblr-3006	169	35	payment	payment	NOUN
cblr-3006	169	36	and	and	CCONJ
cblr-3006	169	37	credit	credit	NOUN
cblr-3006	169	38	.	.	PUNCT
cblr-3006	170	1	payment	payment	NOUN
cblr-3006	170	2	cards	card	NOUN
cblr-3006	170	3	offer	offer	VERB
cblr-3006	170	4	consumers	consumer	NOUN
cblr-3006	170	5	numerous	numerous	ADJ
cblr-3006	170	6	benefits	benefit	NOUN
cblr-3006	170	7	,	,	PUNCT
cblr-3006	170	8	including	include	VERB
cblr-3006	170	9	better	well	ADJ
cblr-3006	170	10	management	management	NOUN
cblr-3006	170	11	of	of	ADP
cblr-3006	170	12	one	one	PRON
cblr-3006	170	13	's	's	PART
cblr-3006	170	14	expenses	expense	NOUN
cblr-3006	170	15	,	,	PUNCT
cblr-3006	170	16	improved	improved	ADJ
cblr-3006	170	17	recordkeeping	recordkeeping	NOUN
cblr-3006	170	18	,	,	PUNCT
cblr-3006	170	19	greater	great	ADJ
cblr-3006	170	20	shopping	shopping	NOUN
cblr-3006	170	21	convenience	convenience	NOUN
cblr-3006	170	22	,	,	PUNCT
cblr-3006	170	23	reduction	reduction	NOUN
cblr-3006	170	24	of	of	ADP
cblr-3006	170	25	the	the	DET
cblr-3006	170	26	risk	risk	NOUN
cblr-3006	170	27	of	of	ADP
cblr-3006	170	28	theft	theft	NOUN
cblr-3006	170	29	,	,	PUNCT
cblr-3006	170	30	float	float	VERB
cblr-3006	170	31	for	for	ADP
cblr-3006	170	32	those	those	PRON
cblr-3006	170	33	who	who	PRON
cblr-3006	170	34	do	do	AUX
cblr-3006	170	35	not	not	PART
cblr-3006	170	36	revolve	revolve	VERB
cblr-3006	170	37	balances	balance	NOUN
cblr-3006	170	38	,	,	PUNCT
cblr-3006	170	39	rewards	reward	VERB
cblr-3006	170	40	from	from	ADP
cblr-3006	170	41	use	use	NOUN
cblr-3006	170	42	of	of	ADP
cblr-3006	170	43	cards	card	NOUN
cblr-3006	170	44	that	that	PRON
cblr-3006	170	45	are	be	AUX
cblr-3006	170	46	available	available	ADJ
cblr-3006	170	47	for	for	ADP
cblr-3006	170	48	additional	additional	ADJ
cblr-3006	170	49	purchases	purchase	NOUN
cblr-3006	170	50	,	,	PUNCT
cblr-3006	170	51	and	and	CCONJ
cblr-3006	170	52	,	,	PUNCT
cblr-3006	170	53	especially	especially	ADV
cblr-3006	170	54	for	for	ADP
cblr-3006	170	55	debit	debit	NOUN
cblr-3006	170	56	cards	card	NOUN
cblr-3006	170	57	,	,	PUNCT
cblr-3006	170	58	convenience	convenience	NOUN
cblr-3006	170	59	in	in	ADP
cblr-3006	170	60	obtaining	obtain	VERB
cblr-3006	170	61	cash	cash	NOUN
cblr-3006	170	62	.	.	PUNCT
cblr-3006	171	1	i	i	PRON
cblr-3006	171	2	first	first	ADV
cblr-3006	171	3	discuss	discuss	VERB
cblr-3006	171	4	these	these	DET
cblr-3006	171	5	benefits	benefit	NOUN
cblr-3006	171	6	and	and	CCONJ
cblr-3006	171	7	then	then	ADV
cblr-3006	171	8	consider	consider	VERB
cblr-3006	171	9	the	the	DET
cblr-3006	171	10	benefits	benefit	NOUN
cblr-3006	171	11	of	of	ADP
cblr-3006	171	12	payment	payment	NOUN
cblr-3006	171	13	cards	card	NOUN
cblr-3006	171	14	when	when	SCONJ
cblr-3006	171	15	used	use	VERB
cblr-3006	171	16	to	to	PART
cblr-3006	171	17	obtain	obtain	VERB
cblr-3006	171	18	credit	credit	NOUN
cblr-3006	171	19	.	.	PUNCT
cblr-3006	172	1	1	1	X
cblr-3006	172	2	.	.	X
cblr-3006	172	3	general	general	ADJ
cblr-3006	172	4	benefits	benefit	NOUN
cblr-3006	172	5	payment	payment	NOUN
cblr-3006	172	6	cards	card	NOUN
cblr-3006	172	7	allow	allow	VERB
cblr-3006	172	8	consumers	consumer	NOUN
cblr-3006	172	9	to	to	PART
cblr-3006	172	10	manage	manage	VERB
cblr-3006	172	11	their	their	PRON
cblr-3006	172	12	money	money	NOUN
cblr-3006	172	13	better	well	ADV
cblr-3006	172	14	by	by	ADP
cblr-3006	172	15	making	make	VERB
cblr-3006	172	16	it	it	PRON
cblr-3006	172	17	possible	possible	ADJ
cblr-3006	172	18	to	to	PART
cblr-3006	172	19	anticipate	anticipate	VERB
cblr-3006	172	20	,	,	PUNCT
cblr-3006	172	21	plan	plan	NOUN
cblr-3006	172	22	,	,	PUNCT
cblr-3006	172	23	and	and	CCONJ
cblr-3006	172	24	match	match	VERB
cblr-3006	172	25	their	their	PRON
cblr-3006	172	26	obligations	obligation	NOUN
cblr-3006	172	27	to	to	ADP
cblr-3006	172	28	their	their	PRON
cblr-3006	172	29	available	available	ADJ
cblr-3006	172	30	funds.22	funds.22	NOUN
cblr-3006	172	31	most	most	ADJ
cblr-3006	172	32	households	household	NOUN
cblr-3006	172	33	receive	receive	VERB
cblr-3006	172	34	income	income	NOUN
cblr-3006	172	35	in	in	ADP
cblr-3006	172	36	regular	regular	ADJ
cblr-3006	172	37	increments	increment	NOUN
cblr-3006	172	38	,	,	PUNCT
cblr-3006	172	39	biweekly	biweekly	ADJ
cblr-3006	172	40	or	or	CCONJ
cblr-3006	172	41	monthly	monthly	ADJ
cblr-3006	172	42	paychecks	paycheck	NOUN
cblr-3006	172	43	,	,	PUNCT
cblr-3006	172	44	for	for	ADP
cblr-3006	172	45	instance	instance	NOUN
cblr-3006	172	46	,	,	PUNCT
cblr-3006	172	47	yet	yet	ADV
cblr-3006	172	48	make	make	VERB
cblr-3006	172	49	purchases	purchase	NOUN
cblr-3006	172	50	on	on	ADP
cblr-3006	172	51	an	an	DET
cblr-3006	172	52	ongoing	ongoing	ADJ
cblr-3006	172	53	basis	basis	NOUN
cblr-3006	172	54	.	.	PUNCT
cblr-3006	173	1	thus	thus	ADV
cblr-3006	173	2	,	,	PUNCT
cblr-3006	173	3	consumers	consumer	NOUN
cblr-3006	173	4	benefit	benefit	VERB
cblr-3006	173	5	from	from	ADP
cblr-3006	173	6	combining	combine	VERB
cblr-3006	173	7	their	their	PRON
cblr-3006	173	8	bills	bill	NOUN
cblr-3006	173	9	into	into	ADP
cblr-3006	173	10	a	a	DET
cblr-3006	173	11	monthly	monthly	ADJ
cblr-3006	173	12	payment	payment	NOUN
cblr-3006	173	13	card	card	NOUN
cblr-3006	173	14	obligation	obligation	NOUN
cblr-3006	173	15	rather	rather	ADV
cblr-3006	173	16	than	than	ADP
cblr-3006	173	17	constantly	constantly	ADV
cblr-3006	173	18	holding	hold	VERB
cblr-3006	173	19	sufficient	sufficient	ADJ
cblr-3006	173	20	funds	fund	NOUN
cblr-3006	173	21	in	in	ADP
cblr-3006	173	22	their	their	PRON
cblr-3006	173	23	wallets	wallet	NOUN
cblr-3006	173	24	or	or	CCONJ
cblr-3006	173	25	checking	check	VERB
cblr-3006	173	26	accounts	account	NOUN
cblr-3006	173	27	.	.	PUNCT
cblr-3006	174	1	similarly	similarly	ADV
cblr-3006	174	2	,	,	PUNCT
cblr-3006	174	3	payment	payment	NOUN
cblr-3006	174	4	cards	card	NOUN
cblr-3006	174	5	allow	allow	VERB
cblr-3006	174	6	consumers	consumer	NOUN
cblr-3006	174	7	to	to	PART
cblr-3006	174	8	smooth	smooth	VERB
cblr-3006	174	9	out	out	ADP
cblr-3006	174	10	unexpected	unexpected	ADJ
cblr-3006	174	11	expenditures	expenditure	NOUN
cblr-3006	174	12	,	,	PUNCT
cblr-3006	174	13	such	such	ADJ
cblr-3006	174	14	as	as	ADP
cblr-3006	174	15	car	car	NOUN
cblr-3006	174	16	repairs	repair	NOUN
cblr-3006	174	17	or	or	CCONJ
cblr-3006	174	18	family	family	NOUN
cblr-3006	174	19	emergencies	emergency	NOUN
cblr-3006	174	20	.	.	PUNCT
cblr-3006	175	1	again	again	ADV
cblr-3006	175	2	,	,	PUNCT
cblr-3006	175	3	the	the	DET
cblr-3006	175	4	alternative	alternative	NOUN
cblr-3006	175	5	would	would	AUX
cblr-3006	175	6	be	be	AUX
cblr-3006	175	7	for	for	SCONJ
cblr-3006	175	8	households	household	NOUN
cblr-3006	175	9	to	to	PART
cblr-3006	175	10	maintain	maintain	VERB
cblr-3006	175	11	sufficient	sufficient	ADJ
cblr-3006	175	12	reserves	reserve	NOUN
cblr-3006	175	13	to	to	PART
cblr-3006	175	14	cover	cover	VERB
cblr-3006	175	15	such	such	ADJ
cblr-3006	175	16	costs	cost	NOUN
cblr-3006	175	17	.	.	PUNCT
cblr-3006	176	1	some	some	DET
cblr-3006	176	2	commentators	commentator	NOUN
cblr-3006	176	3	have	have	AUX
cblr-3006	176	4	estimated	estimate	VERB
cblr-3006	176	5	that	that	SCONJ
cblr-3006	176	6	the	the	DET
cblr-3006	176	7	benefit	benefit	NOUN
cblr-3006	176	8	to	to	ADP
cblr-3006	176	9	consumers	consumer	NOUN
cblr-3006	176	10	of	of	ADP
cblr-3006	176	11	reducing	reduce	VERB
cblr-3006	176	12	precautionary	precautionary	ADJ
cblr-3006	176	13	balances	balance	NOUN
cblr-3006	176	14	(	(	PUNCT
cblr-3006	176	15	and	and	CCONJ
cblr-3006	176	16	thereby	thereby	ADV
cblr-3006	176	17	earning	earn	VERB
cblr-3006	176	18	interest	interest	NOUN
cblr-3006	176	19	on	on	ADP
cblr-3006	176	20	their	their	PRON
cblr-3006	176	21	money	money	NOUN
cblr-3006	176	22	)	)	PUNCT
cblr-3006	176	23	is	be	AUX
cblr-3006	176	24	substantial	substantial	ADJ
cblr-3006	176	25	,	,	PUNCT
cblr-3006	176	26	21	21	NUM
cblr-3006	176	27	see	see	VERB
cblr-3006	176	28	generally	generally	ADV
cblr-3006	176	29	rochet	rochet	PROPN
cblr-3006	176	30	&	&	CCONJ
cblr-3006	176	31	tirole	tirole	PROPN
cblr-3006	176	32	,	,	PUNCT
cblr-3006	176	33	cooperation	cooperation	NOUN
cblr-3006	176	34	among	among	ADP
cblr-3006	176	35	competitors	competitor	NOUN
cblr-3006	176	36	,	,	PUNCT
cblr-3006	176	37	supra	supra	PROPN
cblr-3006	176	38	note	note	NOUN
cblr-3006	176	39	2	2	NUM
cblr-3006	176	40	.	.	SYM
cblr-3006	176	41	22	22	NUM
cblr-3006	176	42	evans	evans	PROPN
cblr-3006	176	43	&	&	CCONJ
cblr-3006	176	44	schmalensee	schmalensee	PROPN
cblr-3006	176	45	,	,	PUNCT
cblr-3006	176	46	supra	supra	PROPN
cblr-3006	176	47	note	note	NOUN
cblr-3006	176	48	2	2	NUM
cblr-3006	176	49	,	,	PUNCT
cblr-3006	176	50	at	at	ADP
cblr-3006	176	51	91	91	NUM
cblr-3006	176	52	.	.	PUNCT
cblr-3006	177	1	households	household	NOUN
cblr-3006	177	2	with	with	ADP
cblr-3006	177	3	payment	payment	NOUN
cblr-3006	177	4	cards	card	NOUN
cblr-3006	177	5	maintain	maintain	VERB
cblr-3006	177	6	lower	low	ADJ
cblr-3006	177	7	balances	balance	NOUN
cblr-3006	177	8	in	in	ADP
cblr-3006	177	9	their	their	PRON
cblr-3006	177	10	checking	check	VERB
cblr-3006	177	11	accounts	account	NOUN
cblr-3006	177	12	than	than	ADP
cblr-3006	177	13	households	household	NOUN
cblr-3006	177	14	without	without	ADP
cblr-3006	177	15	payment	payment	NOUN
cblr-3006	177	16	cards	card	NOUN
cblr-3006	177	17	.	.	PUNCT
cblr-3006	178	1	i	i	PRON
cblr-3006	178	2	d.	d.	PROPN
cblr-3006	178	3	at	at	ADP
cblr-3006	178	4	92	92	NUM
cblr-3006	178	5	-	-	SYM
cblr-3006	178	6	93	93	NUM
cblr-3006	178	7	.	.	PUNCT
cblr-3006	179	1	[	[	X
cblr-3006	179	2	vol	vol	NOUN
cblr-3006	179	3	.	.	PUNCT
cblr-3006	179	4	2005	2005	NUM
cblr-3006	179	5	the	the	DET
cblr-3006	179	6	economics	economic	NOUN
cblr-3006	179	7	of	of	ADP
cblr-3006	179	8	two	two	NUM
cblr-3006	179	9	-	-	PUNCT
cblr-3006	179	10	sided	sided	ADJ
cblr-3006	179	11	markets	market	NOUN
cblr-3006	179	12	one	one	NUM
cblr-3006	179	13	that	that	PRON
cblr-3006	179	14	alone	alone	ADV
cblr-3006	179	15	exceeds	exceed	VERB
cblr-3006	179	16	the	the	DET
cblr-3006	179	17	cost	cost	NOUN
cblr-3006	179	18	of	of	ADP
cblr-3006	179	19	the	the	DET
cblr-3006	179	20	annual	annual	ADJ
cblr-3006	179	21	fee	fee	NOUN
cblr-3006	179	22	on	on	ADP
cblr-3006	179	23	those	those	DET
cblr-3006	179	24	cards	card	NOUN
cblr-3006	179	25	that	that	PRON
cblr-3006	179	26	have	have	VERB
cblr-3006	179	27	them.23	them.23	ADJ
cblr-3006	179	28	payment	payment	NOUN
cblr-3006	179	29	cards	card	NOUN
cblr-3006	179	30	also	also	ADV
cblr-3006	179	31	reduce	reduce	VERB
cblr-3006	179	32	the	the	DET
cblr-3006	179	33	costs	cost	NOUN
cblr-3006	179	34	of	of	ADP
cblr-3006	179	35	recordkeeping	recordkeeping	NOUN
cblr-3006	179	36	versus	versus	ADP
cblr-3006	179	37	retaining	retain	VERB
cblr-3006	179	38	individual	individual	ADJ
cblr-3006	179	39	receipts	receipt	NOUN
cblr-3006	179	40	.	.	PUNCT
cblr-3006	180	1	checks	check	NOUN
cblr-3006	180	2	also	also	ADV
cblr-3006	180	3	offer	offer	VERB
cblr-3006	180	4	this	this	DET
cblr-3006	180	5	advantage	advantage	NOUN
cblr-3006	180	6	,	,	PUNCT
cblr-3006	180	7	but	but	CCONJ
cblr-3006	180	8	payment	payment	NOUN
cblr-3006	180	9	cards	card	NOUN
cblr-3006	180	10	do	do	AUX
cblr-3006	180	11	not	not	PART
cblr-3006	180	12	require	require	VERB
cblr-3006	180	13	the	the	DET
cblr-3006	180	14	additional	additional	ADJ
cblr-3006	180	15	inconvenience	inconvenience	NOUN
cblr-3006	180	16	of	of	ADP
cblr-3006	180	17	recording	recording	NOUN
cblr-3006	180	18	in	in	ADP
cblr-3006	180	19	,	,	PUNCT
cblr-3006	180	20	and	and	CCONJ
cblr-3006	180	21	then	then	ADV
cblr-3006	180	22	rebalancing	rebalancing	NOUN
cblr-3006	180	23	,	,	PUNCT
cblr-3006	180	24	a	a	DET
cblr-3006	180	25	checkbook	checkbook	NOUN
cblr-3006	180	26	.	.	PUNCT
cblr-3006	181	1	payment	payment	NOUN
cblr-3006	181	2	cards	card	NOUN
cblr-3006	181	3	also	also	ADV
cblr-3006	181	4	create	create	VERB
cblr-3006	181	5	written	write	VERB
cblr-3006	181	6	records	record	NOUN
cblr-3006	181	7	for	for	ADP
cblr-3006	181	8	the	the	DET
cblr-3006	181	9	merchant	merchant	NOUN
cblr-3006	181	10	,	,	PUNCT
cblr-3006	181	11	which	which	PRON
cblr-3006	181	12	can	can	AUX
cblr-3006	181	13	aid	aid	VERB
cblr-3006	181	14	the	the	DET
cblr-3006	181	15	processing	processing	NOUN
cblr-3006	181	16	of	of	ADP
cblr-3006	181	17	product	product	NOUN
cblr-3006	181	18	returns	return	NOUN
cblr-3006	181	19	and	and	CCONJ
cblr-3006	181	20	refunds	refund	NOUN
cblr-3006	181	21	.	.	PUNCT
cblr-3006	182	1	moreover	moreover	ADV
cblr-3006	182	2	,	,	PUNCT
cblr-3006	182	3	payment	payment	NOUN
cblr-3006	182	4	cards	card	NOUN
cblr-3006	182	5	can	can	AUX
cblr-3006	182	6	reduce	reduce	VERB
cblr-3006	182	7	the	the	DET
cblr-3006	182	8	time	time	NOUN
cblr-3006	182	9	and	and	CCONJ
cblr-3006	182	10	transaction	transaction	NOUN
cblr-3006	182	11	costs	cost	NOUN
cblr-3006	182	12	associated	associate	VERB
cblr-3006	182	13	with	with	ADP
cblr-3006	182	14	shopping	shopping	NOUN
cblr-3006	182	15	.	.	PUNCT
cblr-3006	183	1	advances	advance	NOUN
cblr-3006	183	2	in	in	ADP
cblr-3006	183	3	technology	technology	NOUN
cblr-3006	183	4	have	have	AUX
cblr-3006	183	5	dramatically	dramatically	ADV
cblr-3006	183	6	increased	increase	VERB
cblr-3006	183	7	the	the	DET
cblr-3006	183	8	speed	speed	NOUN
cblr-3006	183	9	of	of	ADP
cblr-3006	183	10	processing	processing	NOUN
cblr-3006	183	11	card	card	NOUN
cblr-3006	183	12	transactions	transaction	NOUN
cblr-3006	183	13	,	,	PUNCT
cblr-3006	183	14	which	which	PRON
cblr-3006	183	15	are	be	AUX
cblr-3006	183	16	now	now	ADV
cblr-3006	183	17	substantially	substantially	ADV
cblr-3006	183	18	faster	fast	ADJ
cblr-3006	183	19	than	than	ADP
cblr-3006	183	20	writing	write	VERB
cblr-3006	183	21	checks.2	checks.2	NOUN
cblr-3006	183	22	4	4	NUM
cblr-3006	183	23	although	although	SCONJ
cblr-3006	183	24	it	it	PRON
cblr-3006	183	25	is	be	AUX
cblr-3006	183	26	unclear	unclear	ADJ
cblr-3006	183	27	whether	whether	SCONJ
cblr-3006	183	28	paying	pay	VERB
cblr-3006	183	29	with	with	ADP
cblr-3006	183	30	cards	card	NOUN
cblr-3006	183	31	or	or	CCONJ
cblr-3006	183	32	cash	cash	NOUN
cblr-3006	183	33	is	be	AUX
cblr-3006	183	34	faster	fast	ADJ
cblr-3006	183	35	,	,	PUNCT
cblr-3006	183	36	using	use	VERB
cblr-3006	183	37	cash	cash	NOUN
cblr-3006	183	38	requires	require	VERB
cblr-3006	183	39	the	the	DET
cblr-3006	183	40	consumer	consumer	NOUN
cblr-3006	183	41	to	to	PART
cblr-3006	183	42	obtain	obtain	VERB
cblr-3006	183	43	it	it	PRON
cblr-3006	183	44	in	in	ADP
cblr-3006	183	45	the	the	DET
cblr-3006	183	46	first	first	ADJ
cblr-3006	183	47	place	place	NOUN
cblr-3006	183	48	.	.	PUNCT
cblr-3006	184	1	this	this	PRON
cblr-3006	184	2	in	in	ADP
cblr-3006	184	3	turn	turn	NOUN
cblr-3006	184	4	requires	require	VERB
cblr-3006	184	5	a	a	DET
cblr-3006	184	6	trip	trip	NOUN
cblr-3006	184	7	to	to	ADP
cblr-3006	184	8	a	a	DET
cblr-3006	184	9	bank	bank	NOUN
cblr-3006	184	10	or	or	CCONJ
cblr-3006	184	11	an	an	DET
cblr-3006	184	12	atm	atm	NOUN
cblr-3006	184	13	,	,	PUNCT
cblr-3006	184	14	either	either	PRON
cblr-3006	184	15	of	of	ADP
cblr-3006	184	16	which	which	PRON
cblr-3006	184	17	requires	require	VERB
cblr-3006	184	18	planning	plan	VERB
cblr-3006	184	19	to	to	PART
cblr-3006	184	20	make	make	VERB
cblr-3006	184	21	the	the	DET
cblr-3006	184	22	trip	trip	NOUN
cblr-3006	184	23	and	and	CCONJ
cblr-3006	184	24	can	can	AUX
cblr-3006	184	25	be	be	AUX
cblr-3006	184	26	time	time	NOUN
cblr-3006	184	27	consuming	consume	VERB
cblr-3006	184	28	.	.	PUNCT
cblr-3006	185	1	moreover	moreover	ADV
cblr-3006	185	2	,	,	PUNCT
cblr-3006	185	3	if	if	SCONJ
cblr-3006	185	4	the	the	DET
cblr-3006	185	5	atm	atm	NOUN
cblr-3006	185	6	is	be	AUX
cblr-3006	185	7	outside	outside	ADP
cblr-3006	185	8	of	of	ADP
cblr-3006	185	9	the	the	DET
cblr-3006	185	10	consumer	consumer	NOUN
cblr-3006	185	11	's	's	PART
cblr-3006	185	12	network	network	NOUN
cblr-3006	185	13	the	the	DET
cblr-3006	185	14	consumer	consumer	NOUN
cblr-3006	185	15	must	must	AUX
cblr-3006	185	16	pay	pay	VERB
cblr-3006	185	17	a	a	DET
cblr-3006	185	18	fee	fee	NOUN
cblr-3006	185	19	to	to	PART
cblr-3006	185	20	withdraw	withdraw	VERB
cblr-3006	185	21	the	the	DET
cblr-3006	185	22	money	money	NOUN
cblr-3006	185	23	.	.	PUNCT
cblr-3006	186	1	by	by	ADP
cblr-3006	186	2	contrast	contrast	NOUN
cblr-3006	186	3	,	,	PUNCT
cblr-3006	186	4	transactional	transactional	ADJ
cblr-3006	186	5	users	user	NOUN
cblr-3006	186	6	of	of	ADP
cblr-3006	186	7	payment	payment	NOUN
cblr-3006	186	8	cards	card	NOUN
cblr-3006	186	9	pay	pay	VERB
cblr-3006	186	10	nothing	nothing	PRON
cblr-3006	186	11	to	to	PART
cblr-3006	186	12	use	use	VERB
cblr-3006	186	13	their	their	PRON
cblr-3006	186	14	card	card	NOUN
cblr-3006	186	15	.	.	PUNCT
cblr-3006	187	1	transaction	transaction	NOUN
cblr-3006	187	2	errors	error	NOUN
cblr-3006	187	3	,	,	PUNCT
cblr-3006	187	4	such	such	ADJ
cblr-3006	187	5	as	as	ADP
cblr-3006	187	6	receiving	receive	VERB
cblr-3006	187	7	too	too	ADV
cblr-3006	187	8	little	little	ADJ
cblr-3006	187	9	or	or	CCONJ
cblr-3006	187	10	too	too	ADV
cblr-3006	187	11	much	much	ADJ
cblr-3006	187	12	change	change	NOUN
cblr-3006	187	13	,	,	PUNCT
cblr-3006	187	14	are	be	AUX
cblr-3006	187	15	also	also	ADV
cblr-3006	187	16	probably	probably	ADV
cblr-3006	187	17	higher	high	ADJ
cblr-3006	187	18	with	with	ADP
cblr-3006	187	19	cash	cash	NOUN
cblr-3006	187	20	than	than	ADP
cblr-3006	187	21	with	with	ADP
cblr-3006	187	22	electronic	electronic	ADJ
cblr-3006	187	23	payment	payment	NOUN
cblr-3006	187	24	card	card	NOUN
cblr-3006	187	25	transactions	transaction	NOUN
cblr-3006	187	26	.	.	PUNCT
cblr-3006	188	1	moreover	moreover	ADV
cblr-3006	188	2	,	,	PUNCT
cblr-3006	188	3	once	once	ADV
cblr-3006	188	4	withdrawn	withdraw	VERB
cblr-3006	188	5	,	,	PUNCT
cblr-3006	188	6	cash	cash	NOUN
cblr-3006	188	7	on	on	ADP
cblr-3006	188	8	hand	hand	NOUN
cblr-3006	188	9	is	be	AUX
cblr-3006	188	10	held	hold	VERB
cblr-3006	188	11	interest	interest	NOUN
cblr-3006	188	12	free	free	ADJ
cblr-3006	188	13	,	,	PUNCT
cblr-3006	188	14	thereby	thereby	ADV
cblr-3006	188	15	costing	cost	VERB
cblr-3006	188	16	the	the	DET
cblr-3006	188	17	consumer	consumer	NOUN
cblr-3006	188	18	this	this	DET
cblr-3006	188	19	foregone	foregone	NOUN
cblr-3006	188	20	interest	interest	NOUN
cblr-3006	188	21	income	income	NOUN
cblr-3006	188	22	.	.	PUNCT
cblr-3006	189	1	yet	yet	CCONJ
cblr-3006	189	2	another	another	DET
cblr-3006	189	3	advantage	advantage	NOUN
cblr-3006	189	4	of	of	ADP
cblr-3006	189	5	payment	payment	NOUN
cblr-3006	189	6	cards	card	NOUN
cblr-3006	189	7	is	be	AUX
cblr-3006	189	8	that	that	SCONJ
cblr-3006	189	9	payment	payment	NOUN
cblr-3006	189	10	cards	card	NOUN
cblr-3006	189	11	can	can	AUX
cblr-3006	189	12	be	be	AUX
cblr-3006	189	13	used	use	VERB
cblr-3006	189	14	in	in	ADP
cblr-3006	189	15	a	a	DET
cblr-3006	189	16	wide	wide	ADJ
cblr-3006	189	17	variety	variety	NOUN
cblr-3006	189	18	of	of	ADP
cblr-3006	189	19	outlets	outlet	NOUN
cblr-3006	189	20	,	,	PUNCT
cblr-3006	189	21	helping	help	VERB
cblr-3006	189	22	both	both	DET
cblr-3006	189	23	consumers	consumer	NOUN
cblr-3006	189	24	and	and	CCONJ
cblr-3006	189	25	merchants	merchant	NOUN
cblr-3006	189	26	.	.	PUNCT
cblr-3006	190	1	some	some	DET
cblr-3006	190	2	car	car	NOUN
cblr-3006	190	3	rental	rental	NOUN
cblr-3006	190	4	transactions	transaction	NOUN
cblr-3006	190	5	require	require	VERB
cblr-3006	190	6	payment	payment	NOUN
cblr-3006	190	7	cards	card	NOUN
cblr-3006	190	8	.	.	PUNCT
cblr-3006	191	1	perhaps	perhaps	ADV
cblr-3006	191	2	the	the	DET
cblr-3006	191	3	most	most	ADV
cblr-3006	191	4	important	important	ADJ
cblr-3006	191	5	development	development	NOUN
cblr-3006	191	6	related	relate	VERB
cblr-3006	191	7	to	to	ADP
cblr-3006	191	8	payment	payment	NOUN
cblr-3006	191	9	cards	card	NOUN
cblr-3006	191	10	has	have	AUX
cblr-3006	191	11	been	be	AUX
cblr-3006	191	12	internet	internet	NOUN
cblr-3006	191	13	commerce	commerce	NOUN
cblr-3006	191	14	,	,	PUNCT
cblr-3006	191	15	which	which	PRON
cblr-3006	191	16	relies	rely	VERB
cblr-3006	191	17	on	on	ADP
cblr-3006	191	18	electronic	electronic	ADJ
cblr-3006	191	19	payments	payment	NOUN
cblr-3006	191	20	.	.	PUNCT
cblr-3006	192	1	not	not	PART
cblr-3006	192	2	only	only	ADV
cblr-3006	192	3	do	do	AUX
cblr-3006	192	4	cards	card	NOUN
cblr-3006	192	5	provide	provide	VERB
cblr-3006	192	6	convenient	convenient	ADJ
cblr-3006	192	7	payment	payment	NOUN
cblr-3006	192	8	,	,	PUNCT
cblr-3006	192	9	but	but	CCONJ
cblr-3006	192	10	they	they	PRON
cblr-3006	192	11	also	also	ADV
cblr-3006	192	12	assist	assist	VERB
cblr-3006	192	13	in	in	ADP
cblr-3006	192	14	ancillary	ancillary	ADJ
cblr-3006	192	15	functions	function	NOUN
cblr-3006	192	16	such	such	ADJ
cblr-3006	192	17	as	as	ADP
cblr-3006	192	18	age	age	NOUN
cblr-3006	192	19	verification	verification	NOUN
cblr-3006	192	20	,	,	PUNCT
cblr-3006	192	21	when	when	SCONJ
cblr-3006	192	22	appropriate	appropriate	ADJ
cblr-3006	192	23	.	.	PUNCT
cblr-3006	193	1	during	during	ADP
cblr-3006	193	2	2002	2002	NUM
cblr-3006	193	3	,	,	PUNCT
cblr-3006	193	4	americans	americans	PROPN
cblr-3006	193	5	bought	buy	VERB
cblr-3006	193	6	$	$	SYM
cblr-3006	193	7	43	43	NUM
cblr-3006	193	8	billion	billion	NUM
cblr-3006	193	9	23	23	NUM
cblr-3006	193	10	see	see	VERB
cblr-3006	193	11	i	i	PRON
cblr-3006	193	12	d.	d.	PROPN
cblr-3006	193	13	at	at	ADP
cblr-3006	193	14	91	91	NUM
cblr-3006	193	15	-	-	SYM
cblr-3006	193	16	93	93	NUM
cblr-3006	193	17	.	.	PUNCT
cblr-3006	194	1	24	24	NUM
cblr-3006	195	1	i	i	PRON
cblr-3006	195	2	d.	d.	PROPN
cblr-3006	195	3	at	at	ADP
cblr-3006	195	4	93	93	NUM
cblr-3006	195	5	(	(	PUNCT
cblr-3006	195	6	estimating	estimate	VERB
cblr-3006	195	7	that	that	SCONJ
cblr-3006	195	8	payments	payment	NOUN
cblr-3006	195	9	take	take	VERB
cblr-3006	195	10	seventeen	seventeen	NUM
cblr-3006	195	11	seconds	second	NOUN
cblr-3006	195	12	using	use	VERB
cblr-3006	195	13	cards	card	NOUN
cblr-3006	195	14	and	and	CCONJ
cblr-3006	195	15	seventy	seventy	NUM
cblr-3006	195	16	-	-	PUNCT
cblr-3006	195	17	three	three	NUM
cblr-3006	195	18	seconds	second	NOUN
cblr-3006	195	19	using	use	VERB
cblr-3006	195	20	checks	check	NOUN
cblr-3006	195	21	)	)	PUNCT
cblr-3006	195	22	.	.	PUNCT
cblr-3006	196	1	no	no	INTJ
cblr-3006	196	2	.	.	PUNCT
cblr-3006	197	1	3:515	3:515	NUM
cblr-3006	197	2	]	]	SYM
cblr-3006	197	3	worth	worth	NOUN
cblr-3006	197	4	of	of	ADP
cblr-3006	197	5	retail	retail	ADJ
cblr-3006	197	6	goods	good	NOUN
cblr-3006	197	7	over	over	ADP
cblr-3006	197	8	the	the	DET
cblr-3006	197	9	internet	internet	NOUN
cblr-3006	197	10	,	,	PUNCT
cblr-3006	197	11	comprising	comprise	VERB
cblr-3006	197	12	1.3	1.3	NUM
cblr-3006	197	13	%	%	NOUN
cblr-3006	197	14	of	of	ADP
cblr-3006	197	15	all	all	DET
cblr-3006	197	16	retail	retail	ADJ
cblr-3006	197	17	sales	sale	NOUN
cblr-3006	197	18	.2	.2	NUM
cblr-3006	197	19	by	by	ADP
cblr-3006	197	20	2004	2004	NUM
cblr-3006	198	1	,	,	PUNCT
cblr-3006	198	2	this	this	DET
cblr-3006	198	3	figure	figure	NOUN
cblr-3006	198	4	had	have	AUX
cblr-3006	198	5	grown	grow	VERB
cblr-3006	198	6	to	to	ADP
cblr-3006	198	7	over	over	ADP
cblr-3006	198	8	$	$	SYM
cblr-3006	198	9	100	100	NUM
cblr-3006	198	10	billion.26	billion.26	ADJ
cblr-3006	198	11	in	in	ADP
cblr-3006	198	12	the	the	DET
cblr-3006	198	13	united	united	PROPN
cblr-3006	198	14	states	states	PROPN
cblr-3006	198	15	,	,	PUNCT
cblr-3006	198	16	95	95	NUM
cblr-3006	198	17	%	%	NOUN
cblr-3006	198	18	of	of	ADP
cblr-3006	198	19	internet	internet	NOUN
cblr-3006	198	20	purchases	purchase	NOUN
cblr-3006	198	21	are	be	AUX
cblr-3006	198	22	made	make	VERB
cblr-3006	198	23	with	with	ADP
cblr-3006	198	24	payment	payment	NOUN
cblr-3006	198	25	cards	card	NOUN
cblr-3006	198	26	.	.	PUNCT
cblr-3006	199	1	27	27	NUM
cblr-3006	199	2	the	the	DET
cblr-3006	199	3	development	development	NOUN
cblr-3006	199	4	of	of	ADP
cblr-3006	199	5	e	e	NOUN
cblr-3006	199	6	-	-	NOUN
cblr-3006	199	7	commerce	commerce	NOUN
cblr-3006	199	8	would	would	AUX
cblr-3006	199	9	have	have	AUX
cblr-3006	199	10	been	be	AUX
cblr-3006	199	11	stifled	stifle	VERB
cblr-3006	199	12	without	without	ADP
cblr-3006	199	13	consumer	consumer	NOUN
cblr-3006	199	14	confidence	confidence	NOUN
cblr-3006	199	15	in	in	ADP
cblr-3006	199	16	the	the	DET
cblr-3006	199	17	security	security	NOUN
cblr-3006	199	18	and	and	CCONJ
cblr-3006	199	19	usefulness	usefulness	NOUN
cblr-3006	199	20	of	of	ADP
cblr-3006	199	21	payment	payment	NOUN
cblr-3006	199	22	cards	card	NOUN
cblr-3006	199	23	.	.	PUNCT
cblr-3006	200	1	by	by	ADP
cblr-3006	200	2	increasing	increase	VERB
cblr-3006	200	3	shopping	shopping	NOUN
cblr-3006	200	4	convenience	convenience	NOUN
cblr-3006	200	5	and	and	CCONJ
cblr-3006	200	6	permitting	permit	VERB
cblr-3006	200	7	greater	great	ADJ
cblr-3006	200	8	e	e	NOUN
cblr-3006	200	9	-	-	NOUN
cblr-3006	200	10	commerce	commerce	NOUN
cblr-3006	200	11	,	,	PUNCT
cblr-3006	200	12	the	the	DET
cblr-3006	200	13	widespread	widespread	ADJ
cblr-3006	200	14	use	use	NOUN
cblr-3006	200	15	of	of	ADP
cblr-3006	200	16	payment	payment	NOUN
cblr-3006	200	17	cards	card	NOUN
cblr-3006	200	18	has	have	AUX
cblr-3006	200	19	helped	help	VERB
cblr-3006	200	20	enable	enable	VERB
cblr-3006	200	21	the	the	DET
cblr-3006	200	22	creation	creation	NOUN
cblr-3006	200	23	and	and	CCONJ
cblr-3006	200	24	expansion	expansion	NOUN
cblr-3006	200	25	of	of	ADP
cblr-3006	200	26	new	new	ADJ
cblr-3006	200	27	businesses	business	NOUN
cblr-3006	200	28	in	in	ADP
cblr-3006	200	29	the	the	DET
cblr-3006	200	30	economy	economy	NOUN
cblr-3006	200	31	,	,	PUNCT
cblr-3006	200	32	especially	especially	ADV
cblr-3006	200	33	small	small	ADJ
cblr-3006	200	34	and	and	CCONJ
cblr-3006	200	35	niche	niche	NOUN
cblr-3006	200	36	-	-	PUNCT
cblr-3006	200	37	focused	focused	ADJ
cblr-3006	200	38	firms	firm	NOUN
cblr-3006	200	39	that	that	PRON
cblr-3006	200	40	could	could	AUX
cblr-3006	200	41	not	not	PART
cblr-3006	200	42	survive	survive	VERB
cblr-3006	200	43	in	in	ADP
cblr-3006	200	44	traditional	traditional	ADJ
cblr-3006	200	45	brick	brick	NOUN
cblr-3006	200	46	-	-	PUNCT
cblr-3006	200	47	and	and	CCONJ
cblr-3006	200	48	-	-	PUNCT
cblr-3006	200	49	mortar	mortar	NOUN
cblr-3006	200	50	markets	market	NOUN
cblr-3006	200	51	.	.	PUNCT
cblr-3006	201	1	cash	cash	NOUN
cblr-3006	201	2	has	have	VERB
cblr-3006	201	3	a	a	DET
cblr-3006	201	4	much	much	ADV
cblr-3006	201	5	higher	high	ADJ
cblr-3006	201	6	risk	risk	NOUN
cblr-3006	201	7	of	of	ADP
cblr-3006	201	8	theft	theft	NOUN
cblr-3006	201	9	than	than	ADP
cblr-3006	201	10	payment	payment	NOUN
cblr-3006	201	11	cards	card	NOUN
cblr-3006	201	12	.	.	PUNCT
cblr-3006	202	1	empirical	empirical	ADJ
cblr-3006	202	2	evidence	evidence	NOUN
cblr-3006	202	3	indicates	indicate	VERB
cblr-3006	202	4	that	that	SCONJ
cblr-3006	202	5	people	people	NOUN
cblr-3006	202	6	carry	carry	VERB
cblr-3006	202	7	less	less	ADJ
cblr-3006	202	8	cash	cash	NOUN
cblr-3006	202	9	in	in	ADP
cblr-3006	202	10	high	high	ADJ
cblr-3006	202	11	crime	crime	NOUN
cblr-3006	202	12	areas.2	areas.2	NOUN
cblr-3006	202	13	"	"	PUNCT
cblr-3006	202	14	when	when	SCONJ
cblr-3006	202	15	individuals	individual	NOUN
cblr-3006	202	16	carry	carry	VERB
cblr-3006	202	17	less	less	ADJ
cblr-3006	202	18	cash	cash	NOUN
cblr-3006	202	19	,	,	PUNCT
cblr-3006	202	20	they	they	PRON
cblr-3006	202	21	must	must	AUX
cblr-3006	202	22	visit	visit	VERB
cblr-3006	202	23	an	an	DET
cblr-3006	202	24	atm	atm	NOUN
cblr-3006	202	25	more	more	ADV
cblr-3006	202	26	often	often	ADV
cblr-3006	202	27	.	.	PUNCT
cblr-3006	203	1	moreover	moreover	ADV
cblr-3006	203	2	,	,	PUNCT
cblr-3006	203	3	out	out	ADP
cblr-3006	203	4	of	of	ADP
cblr-3006	203	5	pocket	pocket	NOUN
cblr-3006	203	6	liability	liability	NOUN
cblr-3006	203	7	is	be	AUX
cblr-3006	203	8	limited	limit	VERB
cblr-3006	203	9	by	by	ADP
cblr-3006	203	10	law	law	NOUN
cblr-3006	203	11	for	for	ADP
cblr-3006	203	12	credit	credit	NOUN
cblr-3006	203	13	cards.29	cards.29	NOUN
cblr-3006	203	14	payment	payment	NOUN
cblr-3006	203	15	cards	card	NOUN
cblr-3006	203	16	also	also	ADV
cblr-3006	203	17	offer	offer	VERB
cblr-3006	203	18	"	"	PUNCT
cblr-3006	203	19	float	float	NOUN
cblr-3006	203	20	"	"	PUNCT
cblr-3006	203	21	to	to	ADP
cblr-3006	203	22	consumers	consumer	NOUN
cblr-3006	203	23	during	during	ADP
cblr-3006	203	24	the	the	DET
cblr-3006	203	25	period	period	NOUN
cblr-3006	203	26	of	of	ADP
cblr-3006	203	27	time	time	NOUN
cblr-3006	203	28	between	between	ADP
cblr-3006	203	29	the	the	DET
cblr-3006	203	30	purchase	purchase	NOUN
cblr-3006	203	31	and	and	CCONJ
cblr-3006	203	32	the	the	DET
cblr-3006	203	33	card	card	NOUN
cblr-3006	203	34	payment	payment	NOUN
cblr-3006	203	35	date	date	NOUN
cblr-3006	203	36	.	.	PUNCT
cblr-3006	204	1	payment	payment	NOUN
cblr-3006	204	2	on	on	ADP
cblr-3006	204	3	a	a	DET
cblr-3006	204	4	credit	credit	NOUN
cblr-3006	204	5	card	card	NOUN
cblr-3006	204	6	transaction	transaction	NOUN
cblr-3006	204	7	is	be	AUX
cblr-3006	204	8	not	not	PART
cblr-3006	204	9	due	due	ADJ
cblr-3006	204	10	until	until	ADP
cblr-3006	204	11	the	the	DET
cblr-3006	204	12	end	end	NOUN
cblr-3006	204	13	of	of	ADP
cblr-3006	204	14	the	the	DET
cblr-3006	204	15	billing	billing	NOUN
cblr-3006	204	16	period	period	NOUN
cblr-3006	204	17	,	,	PUNCT
cblr-3006	204	18	and	and	CCONJ
cblr-3006	204	19	even	even	ADV
cblr-3006	204	20	then	then	ADV
cblr-3006	204	21	a	a	DET
cblr-3006	204	22	grace	grace	NOUN
cblr-3006	204	23	period	period	NOUN
cblr-3006	204	24	for	for	ADP
cblr-3006	204	25	payment	payment	NOUN
cblr-3006	204	26	of	of	ADP
cblr-3006	204	27	the	the	DET
cblr-3006	204	28	bill	bill	NOUN
cblr-3006	204	29	continues	continue	VERB
cblr-3006	204	30	.	.	PUNCT
cblr-3006	205	1	during	during	ADP
cblr-3006	205	2	this	this	DET
cblr-3006	205	3	time	time	NOUN
cblr-3006	205	4	consumers	consumer	NOUN
cblr-3006	205	5	can	can	AUX
cblr-3006	205	6	invest	invest	VERB
cblr-3006	205	7	their	their	PRON
cblr-3006	205	8	money	money	NOUN
cblr-3006	205	9	in	in	ADP
cblr-3006	205	10	interest	interest	NOUN
cblr-3006	205	11	-	-	PUNCT
cblr-3006	205	12	bearing	bearing	NOUN
cblr-3006	205	13	or	or	CCONJ
cblr-3006	205	14	revenue	revenue	NOUN
cblr-3006	205	15	-	-	PUNCT
cblr-3006	205	16	producing	produce	VERB
cblr-3006	205	17	assets	asset	NOUN
cblr-3006	205	18	,	,	PUNCT
cblr-3006	205	19	rather	rather	ADV
cblr-3006	205	20	than	than	ADP
cblr-3006	205	21	in	in	ADP
cblr-3006	205	22	low-	low-	ADJ
cblr-3006	205	23	,	,	PUNCT
cblr-3006	205	24	or	or	CCONJ
cblr-3006	205	25	no	no	DET
cblr-3006	205	26	-	-	PUNCT
cblr-3006	205	27	interest	interest	NOUN
cblr-3006	205	28	,	,	PUNCT
cblr-3006	205	29	checking	check	VERB
cblr-3006	205	30	accounts	account	NOUN
cblr-3006	205	31	.	.	PUNCT
cblr-3006	206	1	°	°	ADP
cblr-3006	207	1	the	the	DET
cblr-3006	207	2	25	25	NUM
cblr-3006	207	3	i	i	PROPN
cblr-3006	207	4	d.	d.	NOUN
cblr-3006	207	5	at	at	ADP
cblr-3006	207	6	305	305	NUM
cblr-3006	207	7	.	.	PUNCT
cblr-3006	208	1	26	26	NUM
cblr-3006	208	2	see	see	VERB
cblr-3006	208	3	zdnet	zdnet	PROPN
cblr-3006	208	4	research	research	PROPN
cblr-3006	208	5	,	,	PUNCT
cblr-3006	208	6	online	online	ADJ
cblr-3006	208	7	retail	retail	ADJ
cblr-3006	208	8	volume	volume	NOUN
cblr-3006	208	9	will	will	AUX
cblr-3006	208	10	reach	reach	VERB
cblr-3006	208	11	$	$	SYM
cblr-3006	208	12	100	100	NUM
cblr-3006	208	13	bln	bln	NUM
cblr-3006	208	14	in	in	ADP
cblr-3006	208	15	2004	2004	NUM
cblr-3006	208	16	,	,	PUNCT
cblr-3006	208	17	feb	feb	PROPN
cblr-3006	208	18	.	.	PROPN
cblr-3006	208	19	20	20	NUM
cblr-3006	208	20	,	,	PUNCT
cblr-3006	208	21	2004	2004	NUM
cblr-3006	208	22	,	,	PUNCT
cblr-3006	208	23	http://www.itfacts.bizlindex.php?id=p766	http://www.itfacts.bizlindex.php?id=p766	NUM
cblr-3006	208	24	.	.	PUNCT
cblr-3006	209	1	27	27	NUM
cblr-3006	209	2	evans	evans	PROPN
cblr-3006	209	3	&	&	CCONJ
cblr-3006	209	4	schmalensee	schmalensee	PROPN
cblr-3006	209	5	,	,	PUNCT
cblr-3006	209	6	supra	supra	PROPN
cblr-3006	209	7	note	note	NOUN
cblr-3006	209	8	2	2	NUM
cblr-3006	209	9	,	,	PUNCT
cblr-3006	209	10	at	at	ADP
cblr-3006	209	11	84	84	NUM
cblr-3006	209	12	.	.	PUNCT
cblr-3006	210	1	2	2	NUM
cblr-3006	210	2	'	'	PUNCT
cblr-3006	210	3	david	david	PROPN
cblr-3006	210	4	b.	b.	PROPN
cblr-3006	210	5	humphrey	humphrey	PROPN
cblr-3006	210	6	et	et	PROPN
cblr-3006	211	1	al	al	PROPN
cblr-3006	211	2	.	.	PROPN
cblr-3006	211	3	,	,	PUNCT
cblr-3006	211	4	cash	cash	NOUN
cblr-3006	211	5	,	,	PUNCT
cblr-3006	211	6	paper	paper	NOUN
cblr-3006	211	7	,	,	PUNCT
cblr-3006	211	8	and	and	CCONJ
cblr-3006	211	9	electronic	electronic	ADJ
cblr-3006	211	10	payments	payment	NOUN
cblr-3006	211	11	:	:	PUNCT
cblr-3006	211	12	a	a	DET
cblr-3006	211	13	cross	cross	ADJ
cblr-3006	211	14	-	-	ADJ
cblr-3006	211	15	country	country	ADJ
cblr-3006	211	16	analysis	analysis	NOUN
cblr-3006	211	17	,	,	PUNCT
cblr-3006	211	18	28	28	NUM
cblr-3006	211	19	j.	j.	PROPN
cblr-3006	211	20	money	money	PROPN
cblr-3006	211	21	,	,	PUNCT
cblr-3006	211	22	credit	credit	NOUN
cblr-3006	211	23	&	&	CCONJ
cblr-3006	211	24	banking	banking	NOUN
cblr-3006	211	25	914	914	NUM
cblr-3006	211	26	,	,	PUNCT
cblr-3006	211	27	934	934	NUM
cblr-3006	211	28	(	(	PUNCT
cblr-3006	211	29	1996	1996	NUM
cblr-3006	211	30	)	)	PUNCT
cblr-3006	211	31	.	.	PUNCT
cblr-3006	212	1	29	29	NUM
cblr-3006	212	2	although	although	SCONJ
cblr-3006	212	3	payment	payment	NOUN
cblr-3006	212	4	cards	card	NOUN
cblr-3006	212	5	offer	offer	VERB
cblr-3006	212	6	limited	limited	ADJ
cblr-3006	212	7	liability	liability	NOUN
cblr-3006	212	8	in	in	ADP
cblr-3006	212	9	the	the	DET
cblr-3006	212	10	case	case	NOUN
cblr-3006	212	11	of	of	ADP
cblr-3006	212	12	theft	theft	NOUN
cblr-3006	212	13	or	or	CCONJ
cblr-3006	212	14	loss	loss	NOUN
cblr-3006	212	15	,	,	PUNCT
cblr-3006	212	16	they	they	PRON
cblr-3006	212	17	do	do	AUX
cblr-3006	212	18	pose	pose	VERB
cblr-3006	212	19	other	other	ADJ
cblr-3006	212	20	security	security	NOUN
cblr-3006	212	21	concerns	concern	NOUN
cblr-3006	212	22	,	,	PUNCT
cblr-3006	212	23	such	such	ADJ
cblr-3006	212	24	as	as	ADP
cblr-3006	212	25	the	the	DET
cblr-3006	212	26	risk	risk	NOUN
cblr-3006	212	27	of	of	ADP
cblr-3006	212	28	identify	identify	VERB
cblr-3006	212	29	theft	theft	NOUN
cblr-3006	212	30	.	.	PUNCT
cblr-3006	213	1	20	20	NUM
cblr-3006	213	2	one	one	NUM
cblr-3006	213	3	recent	recent	ADJ
cblr-3006	213	4	paper	paper	NOUN
cblr-3006	213	5	estimated	estimate	VERB
cblr-3006	213	6	the	the	DET
cblr-3006	213	7	value	value	NOUN
cblr-3006	213	8	of	of	ADP
cblr-3006	213	9	float	float	NOUN
cblr-3006	213	10	to	to	PART
cblr-3006	213	11	be	be	AUX
cblr-3006	213	12	roughly	roughly	ADV
cblr-3006	213	13	eight	eight	NUM
cblr-3006	213	14	to	to	PART
cblr-3006	213	15	twelve	twelve	NUM
cblr-3006	213	16	times	time	NOUN
cblr-3006	213	17	more	more	ADV
cblr-3006	213	18	valuable	valuable	ADJ
cblr-3006	213	19	for	for	ADP
cblr-3006	213	20	credit	credit	NOUN
cblr-3006	213	21	and	and	CCONJ
cblr-3006	213	22	charge	charge	NOUN
cblr-3006	213	23	cards	card	NOUN
cblr-3006	213	24	than	than	ADP
cblr-3006	213	25	for	for	ADP
cblr-3006	213	26	payment	payment	NOUN
cblr-3006	213	27	devices	device	NOUN
cblr-3006	213	28	like	like	ADP
cblr-3006	213	29	debit	debit	NOUN
cblr-3006	213	30	cards	card	NOUN
cblr-3006	213	31	that	that	PRON
cblr-3006	213	32	offer	offer	VERB
cblr-3006	213	33	only	only	ADV
cblr-3006	213	34	a	a	DET
cblr-3006	213	35	day	day	NOUN
cblr-3006	213	36	or	or	CCONJ
cblr-3006	213	37	two	two	NUM
cblr-3006	213	38	of	of	ADP
cblr-3006	213	39	float	float	NOUN
cblr-3006	213	40	,	,	PUNCT
cblr-3006	213	41	depending	depend	VERB
cblr-3006	213	42	on	on	ADP
cblr-3006	213	43	the	the	DET
cblr-3006	213	44	type	type	NOUN
cblr-3006	213	45	of	of	ADP
cblr-3006	213	46	transaction	transaction	NOUN
cblr-3006	213	47	and	and	CCONJ
cblr-3006	213	48	the	the	DET
cblr-3006	213	49	size	size	NOUN
cblr-3006	213	50	of	of	ADP
cblr-3006	213	51	the	the	DET
cblr-3006	213	52	average	average	ADJ
cblr-3006	213	53	purchase	purchase	NOUN
cblr-3006	213	54	.	.	PUNCT
cblr-3006	214	1	on	on	ADP
cblr-3006	214	2	average	average	ADJ
cblr-3006	214	3	,	,	PUNCT
cblr-3006	214	4	consumers	consumer	NOUN
cblr-3006	214	5	have	have	VERB
cblr-3006	214	6	twenty	twenty	NUM
cblr-3006	214	7	-	-	PUNCT
cblr-3006	214	8	five	five	NUM
cblr-3006	214	9	days	day	NOUN
cblr-3006	214	10	from	from	ADP
cblr-3006	214	11	the	the	DET
cblr-3006	214	12	date	date	NOUN
cblr-3006	214	13	of	of	ADP
cblr-3006	214	14	purchase	purchase	NOUN
cblr-3006	214	15	to	to	ADP
cblr-3006	214	16	the	the	DET
cblr-3006	214	17	date	date	NOUN
cblr-3006	214	18	their	their	PRON
cblr-3006	214	19	card	card	NOUN
cblr-3006	214	20	bill	bill	NOUN
cblr-3006	214	21	is	be	AUX
cblr-3006	214	22	due	due	ADJ
cblr-3006	214	23	.	.	PUNCT
cblr-3006	215	1	daniel	daniel	PROPN
cblr-3006	215	2	d.	d.	PROPN
cblr-3006	215	3	garcia	garcia	PROPN
cblr-3006	215	4	swartz	swartz	PROPN
cblr-3006	215	5	et	et	PROPN
cblr-3006	215	6	al	al	PROPN
cblr-3006	215	7	.	.	PROPN
cblr-3006	215	8	,	,	PUNCT
cblr-3006	215	9	the	the	DET
cblr-3006	215	10	economics	economic	NOUN
cblr-3006	215	11	of	of	ADP
cblr-3006	215	12	a	a	DET
cblr-3006	215	13	cashless	cashless	NOUN
cblr-3006	215	14	society	society	NOUN
cblr-3006	215	15	:	:	PUNCT
cblr-3006	215	16	an	an	DET
cblr-3006	215	17	analysis	analysis	NOUN
cblr-3006	215	18	of	of	ADP
cblr-3006	215	19	the	the	DET
cblr-3006	215	20	costs	cost	NOUN
cblr-3006	215	21	and	and	CCONJ
cblr-3006	215	22	benefits	benefit	NOUN
cblr-3006	215	23	of	of	ADP
cblr-3006	215	24	payment	payment	NOUN
cblr-3006	215	25	instruments	instrument	NOUN
cblr-3006	215	26	52	52	NUM
cblr-3006	215	27	(	(	PUNCT
cblr-3006	215	28	aei	aei	ADJ
cblr-3006	215	29	-	-	PUNCT
cblr-3006	215	30	brookings	brookings	PROPN
cblr-3006	215	31	joint	joint	ADJ
cblr-3006	215	32	center	center	NOUN
cblr-3006	215	33	for	for	ADP
cblr-3006	215	34	regulatory	regulatory	ADJ
cblr-3006	215	35	studies	study	NOUN
cblr-3006	215	36	,	,	PUNCT
cblr-3006	215	37	[	[	X
cblr-3006	215	38	vol	vol	NOUN
cblr-3006	215	39	.	.	PUNCT
cblr-3006	216	1	2005col	2005col	NUM
cblr-3006	216	2	umbia	umbia	NOUN
cblr-3006	217	1	b	b	PROPN
cblr-3006	218	1	usiness	usiness	PROPN
cblr-3006	218	2	la	la	PROPN
cblr-3006	218	3	w	w	PROPN
cblr-3006	218	4	re	re	PROPN
cblr-3006	218	5	vie	vie	PROPN
cblr-3006	218	6	w	w	PROPN
cblr-3006	218	7	the	the	DET
cblr-3006	218	8	economics	economic	NOUN
cblr-3006	218	9	of	of	ADP
cblr-3006	218	10	two	two	NUM
cblr-3006	218	11	-	-	PUNCT
cblr-3006	218	12	sided	side	VERB
cblr-3006	218	13	markets	market	NOUN
cblr-3006	218	14	opportunity	opportunity	NOUN
cblr-3006	218	15	to	to	PART
cblr-3006	218	16	earn	earn	VERB
cblr-3006	218	17	rewards	reward	NOUN
cblr-3006	218	18	such	such	ADJ
cblr-3006	218	19	as	as	ADP
cblr-3006	218	20	frequent	frequent	ADJ
cblr-3006	218	21	flyer	flyer	NOUN
cblr-3006	218	22	miles	mile	NOUN
cblr-3006	218	23	or	or	CCONJ
cblr-3006	218	24	a	a	DET
cblr-3006	218	25	cash	cash	NOUN
cblr-3006	218	26	back	back	NOUN
cblr-3006	218	27	bonus	bonus	NOUN
cblr-3006	218	28	is	be	AUX
cblr-3006	218	29	yet	yet	ADV
cblr-3006	218	30	another	another	DET
cblr-3006	218	31	benefit	benefit	NOUN
cblr-3006	218	32	of	of	ADP
cblr-3006	218	33	payment	payment	NOUN
cblr-3006	218	34	cards	card	NOUN
cblr-3006	218	35	.	.	PUNCT
cblr-3006	219	1	like	like	INTJ
cblr-3006	219	2	float	float	VERB
cblr-3006	219	3	,	,	PUNCT
cblr-3006	219	4	rewards	reward	NOUN
cblr-3006	219	5	are	be	AUX
cblr-3006	219	6	an	an	DET
cblr-3006	219	7	advantage	advantage	NOUN
cblr-3006	219	8	of	of	ADP
cblr-3006	219	9	credit	credit	NOUN
cblr-3006	219	10	and	and	CCONJ
cblr-3006	219	11	charge	charge	NOUN
cblr-3006	219	12	cards	card	NOUN
cblr-3006	219	13	over	over	ADP
cblr-3006	219	14	debit	debit	NOUN
cblr-3006	219	15	cards	card	NOUN
cblr-3006	219	16	.	.	PUNCT
cblr-3006	220	1	among	among	ADP
cblr-3006	220	2	debit	debit	NOUN
cblr-3006	220	3	cards	card	NOUN
cblr-3006	220	4	,	,	PUNCT
cblr-3006	220	5	pin	pin	NOUN
cblr-3006	220	6	or	or	CCONJ
cblr-3006	220	7	online	online	ADJ
cblr-3006	220	8	cards	card	NOUN
cblr-3006	220	9	allow	allow	VERB
cblr-3006	220	10	consumers	consumer	NOUN
cblr-3006	220	11	to	to	PART
cblr-3006	220	12	withdraw	withdraw	VERB
cblr-3006	220	13	additional	additional	ADJ
cblr-3006	220	14	cash	cash	NOUN
cblr-3006	220	15	beyond	beyond	ADP
cblr-3006	220	16	the	the	DET
cblr-3006	220	17	price	price	NOUN
cblr-3006	220	18	of	of	ADP
cblr-3006	220	19	the	the	DET
cblr-3006	220	20	purchase	purchase	NOUN
cblr-3006	220	21	for	for	ADP
cblr-3006	220	22	which	which	PRON
cblr-3006	220	23	the	the	DET
cblr-3006	220	24	card	card	NOUN
cblr-3006	220	25	is	be	AUX
cblr-3006	220	26	used	use	VERB
cblr-3006	220	27	,	,	PUNCT
cblr-3006	220	28	thereby	thereby	ADV
cblr-3006	220	29	saving	save	VERB
cblr-3006	220	30	a	a	DET
cblr-3006	220	31	trip	trip	NOUN
cblr-3006	220	32	to	to	ADP
cblr-3006	220	33	the	the	DET
cblr-3006	220	34	atm	atm	NOUN
cblr-3006	220	35	.	.	PUNCT
cblr-3006	221	1	nevertheless	nevertheless	ADV
cblr-3006	221	2	,	,	PUNCT
cblr-3006	221	3	many	many	ADJ
cblr-3006	221	4	consumers	consumer	NOUN
cblr-3006	221	5	prefer	prefer	VERB
cblr-3006	221	6	signature	signature	NOUN
cblr-3006	221	7	or	or	CCONJ
cblr-3006	221	8	offline	offline	ADJ
cblr-3006	221	9	debit	debit	NOUN
cblr-3006	221	10	,	,	PUNCT
cblr-3006	221	11	as	as	SCONJ
cblr-3006	221	12	signature	signature	NOUN
cblr-3006	221	13	debit	debit	NOUN
cblr-3006	221	14	provides	provide	VERB
cblr-3006	221	15	dispute	dispute	NOUN
cblr-3006	221	16	resolution	resolution	NOUN
cblr-3006	221	17	procedures	procedure	NOUN
cblr-3006	221	18	,	,	PUNCT
cblr-3006	221	19	more	more	ADV
cblr-3006	221	20	extensive	extensive	ADJ
cblr-3006	221	21	merchant	merchant	NOUN
cblr-3006	221	22	acceptance	acceptance	NOUN
cblr-3006	221	23	(	(	PUNCT
cblr-3006	221	24	because	because	SCONJ
cblr-3006	221	25	signature	signature	NOUN
cblr-3006	221	26	debit	debit	NOUN
cblr-3006	221	27	runs	run	VERB
cblr-3006	221	28	on	on	ADP
cblr-3006	221	29	the	the	DET
cblr-3006	221	30	same	same	ADJ
cblr-3006	221	31	machine	machine	NOUN
cblr-3006	221	32	as	as	ADP
cblr-3006	221	33	credit	credit	NOUN
cblr-3006	221	34	cards	card	NOUN
cblr-3006	221	35	,	,	PUNCT
cblr-3006	221	36	whereas	whereas	SCONJ
cblr-3006	221	37	pin	pin	NOUN
cblr-3006	221	38	debit	debit	NOUN
cblr-3006	221	39	requires	require	VERB
cblr-3006	221	40	a	a	DET
cblr-3006	221	41	new	new	ADJ
cblr-3006	221	42	machine	machine	NOUN
cblr-3006	221	43	)	)	PUNCT
cblr-3006	221	44	,	,	PUNCT
cblr-3006	221	45	and	and	CCONJ
cblr-3006	221	46	more	more	ADV
cblr-3006	221	47	familiar	familiar	ADJ
cblr-3006	221	48	use	use	NOUN
cblr-3006	221	49	(	(	PUNCT
cblr-3006	221	50	because	because	SCONJ
cblr-3006	221	51	they	they	PRON
cblr-3006	221	52	are	be	AUX
cblr-3006	221	53	patterned	pattern	VERB
cblr-3006	221	54	after	after	ADP
cblr-3006	221	55	credit	credit	NOUN
cblr-3006	221	56	cards	card	NOUN
cblr-3006	221	57	)	)	PUNCT
cblr-3006	221	58	.	.	PUNCT
cblr-3006	222	1	2	2	X
cblr-3006	222	2	.	.	X
cblr-3006	222	3	payment	payment	NOUN
cblr-3006	222	4	cards	card	NOUN
cblr-3006	222	5	as	as	ADP
cblr-3006	222	6	a	a	DET
cblr-3006	222	7	form	form	NOUN
cblr-3006	222	8	of	of	ADP
cblr-3006	222	9	credit	credit	NOUN
cblr-3006	222	10	many	many	ADJ
cblr-3006	222	11	payment	payment	NOUN
cblr-3006	222	12	cards	card	NOUN
cblr-3006	222	13	also	also	ADV
cblr-3006	222	14	provide	provide	VERB
cblr-3006	222	15	revolving	revolve	VERB
cblr-3006	222	16	credit	credit	NOUN
cblr-3006	222	17	,	,	PUNCT
cblr-3006	222	18	and	and	CCONJ
cblr-3006	222	19	credit	credit	NOUN
cblr-3006	222	20	cards	card	NOUN
cblr-3006	222	21	are	be	AUX
cblr-3006	222	22	now	now	ADV
cblr-3006	222	23	an	an	DET
cblr-3006	222	24	important	important	ADJ
cblr-3006	222	25	source	source	NOUN
cblr-3006	222	26	of	of	ADP
cblr-3006	222	27	consumer	consumer	NOUN
cblr-3006	222	28	credit	credit	NOUN
cblr-3006	222	29	.	.	PUNCT
cblr-3006	223	1	the	the	DET
cblr-3006	223	2	growth	growth	NOUN
cblr-3006	223	3	in	in	ADP
cblr-3006	223	4	credit	credit	NOUN
cblr-3006	223	5	card	card	NOUN
cblr-3006	223	6	credit	credit	NOUN
cblr-3006	223	7	appears	appear	VERB
cblr-3006	223	8	to	to	PART
cblr-3006	223	9	have	have	AUX
cblr-3006	223	10	resulted	result	VERB
cblr-3006	223	11	primarily	primarily	ADV
cblr-3006	223	12	from	from	ADP
cblr-3006	223	13	the	the	DET
cblr-3006	223	14	substitution	substitution	NOUN
cblr-3006	223	15	of	of	ADP
cblr-3006	223	16	cards	card	NOUN
cblr-3006	223	17	for	for	ADP
cblr-3006	223	18	alternative	alternative	ADJ
cblr-3006	223	19	,	,	PUNCT
cblr-3006	223	20	less	less	ADV
cblr-3006	223	21	attractive	attractive	ADJ
cblr-3006	223	22	forms	form	NOUN
cblr-3006	223	23	of	of	ADP
cblr-3006	223	24	credit	credit	NOUN
cblr-3006	223	25	.	.	PUNCT
cblr-3006	224	1	for	for	ADP
cblr-3006	224	2	instance	instance	NOUN
cblr-3006	224	3	,	,	PUNCT
cblr-3006	224	4	many	many	ADJ
cblr-3006	224	5	consumers	consumer	NOUN
cblr-3006	224	6	who	who	PRON
cblr-3006	224	7	can	can	AUX
cblr-3006	224	8	not	not	PART
cblr-3006	224	9	obtain	obtain	VERB
cblr-3006	224	10	unsecured	unsecured	ADJ
cblr-3006	224	11	credit	credit	NOUN
cblr-3006	224	12	through	through	ADP
cblr-3006	224	13	credit	credit	NOUN
cblr-3006	224	14	cards	card	NOUN
cblr-3006	224	15	are	be	AUX
cblr-3006	224	16	instead	instead	ADV
cblr-3006	224	17	forced	force	VERB
cblr-3006	224	18	to	to	PART
cblr-3006	224	19	rely	rely	VERB
cblr-3006	224	20	on	on	ADP
cblr-3006	224	21	pawn	pawn	NOUN
cblr-3006	224	22	shops	shop	NOUN
cblr-3006	224	23	and	and	CCONJ
cblr-3006	224	24	payday	payday	NOUN
cblr-3006	224	25	lenders	lender	NOUN
cblr-3006	224	26	.	.	PUNCT
cblr-3006	225	1	1	1	NUM
cblr-3006	225	2	credit	credit	NOUN
cblr-3006	225	3	cards	card	NOUN
cblr-3006	225	4	have	have	AUX
cblr-3006	225	5	also	also	ADV
cblr-3006	225	6	replaced	replace	VERB
cblr-3006	225	7	informal	informal	ADJ
cblr-3006	225	8	sources	source	NOUN
cblr-3006	225	9	of	of	ADP
cblr-3006	225	10	shortterm	shortterm	PROPN
cblr-3006	225	11	credit	credit	NOUN
cblr-3006	225	12	,	,	PUNCT
cblr-3006	225	13	such	such	ADJ
cblr-3006	225	14	as	as	ADP
cblr-3006	225	15	borrowing	borrow	VERB
cblr-3006	225	16	from	from	ADP
cblr-3006	225	17	friends	friend	NOUN
cblr-3006	225	18	and	and	CCONJ
cblr-3006	225	19	family	family	NOUN
cblr-3006	225	20	.	.	PUNCT
cblr-3006	225	21	"	"	PUNCT
cblr-3006	226	1	related	related	ADJ
cblr-3006	226	2	publication	publication	NOUN
cblr-3006	226	3	no	no	INTJ
cblr-3006	226	4	.	.	NOUN
cblr-3006	226	5	04	04	NUM
cblr-3006	226	6	-	-	SYM
cblr-3006	226	7	24	24	NUM
cblr-3006	226	8	,	,	PUNCT
cblr-3006	226	9	2004	2004	NUM
cblr-3006	226	10	)	)	PUNCT
cblr-3006	226	11	,	,	PUNCT
cblr-3006	226	12	available	available	ADJ
cblr-3006	226	13	at	at	ADP
cblr-3006	226	14	http://www.aeibrookings.org/admin/authorpdfs/page.php?id=1048	http://www.aeibrookings.org/admin/authorpdfs/page.php?id=1048	PROPN
cblr-3006	226	15	.	.	PUNCT
cblr-3006	227	1	"	"	PUNCT
cblr-3006	227	2	'	'	PUNCT
cblr-3006	227	3	see	see	VERB
cblr-3006	227	4	zywicki	zywicki	NOUN
cblr-3006	227	5	,	,	PUNCT
cblr-3006	227	6	economics	economic	NOUN
cblr-3006	227	7	of	of	ADP
cblr-3006	227	8	credit	credit	NOUN
cblr-3006	227	9	cards	card	NOUN
cblr-3006	227	10	,	,	PUNCT
cblr-3006	227	11	supra	supra	PROPN
cblr-3006	227	12	note	note	NOUN
cblr-3006	227	13	2	2	NUM
cblr-3006	227	14	,	,	PUNCT
cblr-3006	227	15	at	at	ADP
cblr-3006	227	16	96	96	NUM
cblr-3006	227	17	;	;	PUNCT
cblr-3006	227	18	richard	richard	PROPN
cblr-3006	227	19	l.	l.	PROPN
cblr-3006	227	20	peterson	peterson	PROPN
cblr-3006	227	21	&	&	CCONJ
cblr-3006	227	22	gregory	gregory	PROPN
cblr-3006	227	23	a.	a.	PROPN
cblr-3006	227	24	falls	fall	VERB
cblr-3006	227	25	,	,	PUNCT
cblr-3006	227	26	impact	impact	NOUN
cblr-3006	227	27	of	of	ADP
cblr-3006	227	28	a	a	DET
cblr-3006	227	29	ten	ten	NUM
cblr-3006	227	30	percent	percent	NOUN
cblr-3006	227	31	usury	usury	NOUN
cblr-3006	227	32	ceiling	ceiling	NOUN
cblr-3006	227	33	:	:	PUNCT
cblr-3006	227	34	empirical	empirical	ADJ
cblr-3006	227	35	evidence	evidence	NOUN
cblr-3006	227	36	15	15	NUM
cblr-3006	227	37	-	-	SYM
cblr-3006	227	38	20	20	NUM
cblr-3006	227	39	(	(	PUNCT
cblr-3006	227	40	credit	credit	NOUN
cblr-3006	227	41	research	research	PROPN
cblr-3006	227	42	ctr	ctr	PROPN
cblr-3006	227	43	.	.	PROPN
cblr-3006	227	44	,	,	PUNCT
cblr-3006	227	45	working	work	VERB
cblr-3006	227	46	paper	paper	NOUN
cblr-3006	227	47	no	no	INTJ
cblr-3006	227	48	.	.	PROPN
cblr-3006	227	49	40	40	NUM
cblr-3006	227	50	,	,	PUNCT
cblr-3006	227	51	1981	1981	NUM
cblr-3006	227	52	)	)	PUNCT
cblr-3006	227	53	,	,	PUNCT
cblr-3006	227	54	available	available	ADJ
cblr-3006	227	55	at	at	ADP
cblr-3006	227	56	http://www.msb.edu/faculty/research/	http://www.msb.edu/faculty/research/	PROPN
cblr-3006	227	57	credit_research	credit_research	NOUN
cblr-3006	227	58	/	/	SYM
cblr-3006	227	59	pdf	pdf	NOUN
cblr-3006	227	60	/	/	SYM
cblr-3006	227	61	wp40.pdf	wp40.pdf	PROPN
cblr-3006	227	62	;	;	PUNCT
cblr-3006	227	63	robert	robert	PROPN
cblr-3006	227	64	w.	w.	PROPN
cblr-3006	227	65	johnson	johnson	PROPN
cblr-3006	227	66	&	&	CCONJ
cblr-3006	227	67	dixie	dixie	PROPN
cblr-3006	227	68	p.	p.	PROPN
cblr-3006	227	69	johnson	johnson	PROPN
cblr-3006	227	70	,	,	PUNCT
cblr-3006	227	71	credit	credit	NOUN
cblr-3006	227	72	research	research	PROPN
cblr-3006	227	73	ctr	ctr	PROPN
cblr-3006	227	74	.	.	PROPN
cblr-3006	227	75	,	,	PUNCT
cblr-3006	227	76	pawnbroking	pawnbroke	VERB
cblr-3006	227	77	in	in	ADP
cblr-3006	227	78	the	the	DET
cblr-3006	227	79	u.s	u.s	PROPN
cblr-3006	227	80	.	.	PROPN
cblr-3006	227	81	:	:	PUNCT
cblr-3006	228	1	a	a	DET
cblr-3006	228	2	profile	profile	NOUN
cblr-3006	228	3	of	of	ADP
cblr-3006	228	4	customers	customer	NOUN
cblr-3006	228	5	47	47	NUM
cblr-3006	228	6	(	(	PUNCT
cblr-3006	228	7	1998	1998	NUM
cblr-3006	228	8	)	)	PUNCT
cblr-3006	228	9	,	,	PUNCT
cblr-3006	228	10	http://www.msb.edu/faculty/research/creditresearch/pdf/mono34.pdf	http://www.msb.edu/faculty/research/creditresearch/pdf/mono34.pdf	NOUN
cblr-3006	228	11	(	(	PUNCT
cblr-3006	228	12	finding	find	VERB
cblr-3006	228	13	that	that	SCONJ
cblr-3006	228	14	those	those	PRON
cblr-3006	228	15	who	who	PRON
cblr-3006	228	16	borrow	borrow	VERB
cblr-3006	228	17	money	money	NOUN
cblr-3006	228	18	from	from	ADP
cblr-3006	228	19	pawnbrokers	pawnbroker	NOUN
cblr-3006	228	20	do	do	VERB
cblr-3006	228	21	so	so	ADV
cblr-3006	228	22	because	because	SCONJ
cblr-3006	228	23	their	their	PRON
cblr-3006	228	24	alternative	alternative	ADJ
cblr-3006	228	25	sources	source	NOUN
cblr-3006	228	26	of	of	ADP
cblr-3006	228	27	borrowing	borrowing	NOUN
cblr-3006	228	28	were	be	AUX
cblr-3006	228	29	family	family	NOUN
cblr-3006	228	30	,	,	PUNCT
cblr-3006	228	31	friends	friend	NOUN
cblr-3006	228	32	,	,	PUNCT
cblr-3006	228	33	or	or	CCONJ
cblr-3006	228	34	check	check	VERB
cblr-3006	228	35	cashers	casher	NOUN
cblr-3006	228	36	)	)	PUNCT
cblr-3006	228	37	.	.	PUNCT
cblr-3006	229	1	32	32	NUM
cblr-3006	229	2	traditionally	traditionally	ADV
cblr-3006	229	3	,	,	PUNCT
cblr-3006	229	4	this	this	DET
cblr-3006	229	5	informal	informal	ADJ
cblr-3006	229	6	form	form	NOUN
cblr-3006	229	7	of	of	ADP
cblr-3006	229	8	credit	credit	NOUN
cblr-3006	229	9	was	be	AUX
cblr-3006	229	10	the	the	DET
cblr-3006	229	11	most	most	ADV
cblr-3006	229	12	common	common	ADJ
cblr-3006	229	13	form	form	NOUN
cblr-3006	229	14	.	.	PUNCT
cblr-3006	230	1	see	see	VERB
cblr-3006	230	2	lendol	lendol	PROPN
cblr-3006	230	3	calder	calder	PROPN
cblr-3006	230	4	,	,	PUNCT
cblr-3006	230	5	financing	finance	VERB
cblr-3006	230	6	the	the	DET
cblr-3006	230	7	american	american	ADJ
cblr-3006	230	8	dream	dream	NOUN
cblr-3006	230	9	:	:	PUNCT
cblr-3006	230	10	a	a	DET
cblr-3006	230	11	cultural	cultural	ADJ
cblr-3006	230	12	history	history	NOUN
cblr-3006	230	13	of	of	ADP
cblr-3006	230	14	consumer	consumer	NOUN
cblr-3006	230	15	credit	credit	NOUN
cblr-3006	230	16	60	60	NUM
cblr-3006	230	17	-	-	SYM
cblr-3006	230	18	64	64	NUM
cblr-3006	230	19	(	(	PUNCT
cblr-3006	230	20	1999	1999	NUM
cblr-3006	230	21	)	)	PUNCT
cblr-3006	230	22	.	.	PUNCT
cblr-3006	231	1	no	no	INTJ
cblr-3006	231	2	.	.	PUNCT
cblr-3006	232	1	3:515	3:515	NUM
cblr-3006	232	2	]	]	X
cblr-3006	232	3	columbia	columbia	PROPN
cblr-3006	232	4	business	business	PROPN
cblr-3006	232	5	law	law	PROPN
cblr-3006	232	6	review	review	NOUN
cblr-3006	232	7	although	although	SCONJ
cblr-3006	232	8	home	home	NOUN
cblr-3006	232	9	equity	equity	NOUN
cblr-3006	232	10	loans	loan	NOUN
cblr-3006	232	11	or	or	CCONJ
cblr-3006	232	12	lines	line	NOUN
cblr-3006	232	13	of	of	ADP
cblr-3006	232	14	credit	credit	NOUN
cblr-3006	232	15	offer	offer	VERB
cblr-3006	232	16	lower	low	ADJ
cblr-3006	232	17	interest	interest	NOUN
cblr-3006	232	18	rates	rate	NOUN
cblr-3006	232	19	than	than	ADP
cblr-3006	232	20	other	other	ADJ
cblr-3006	232	21	types	type	NOUN
cblr-3006	232	22	of	of	ADP
cblr-3006	232	23	consumer	consumer	NOUN
cblr-3006	232	24	credit	credit	NOUN
cblr-3006	232	25	,	,	PUNCT
cblr-3006	232	26	those	those	PRON
cblr-3006	232	27	who	who	PRON
cblr-3006	232	28	borrow	borrow	VERB
cblr-3006	232	29	with	with	ADP
cblr-3006	232	30	credit	credit	NOUN
cblr-3006	232	31	cards	card	NOUN
cblr-3006	232	32	,	,	PUNCT
cblr-3006	232	33	or	or	CCONJ
cblr-3006	232	34	otherwise	otherwise	ADV
cblr-3006	232	35	rely	rely	VERB
cblr-3006	232	36	heavily	heavily	ADV
cblr-3006	232	37	on	on	ADP
cblr-3006	232	38	unsecured	unsecured	ADJ
cblr-3006	232	39	credit	credit	NOUN
cblr-3006	232	40	,	,	PUNCT
cblr-3006	232	41	often	often	ADV
cblr-3006	232	42	do	do	AUX
cblr-3006	232	43	not	not	PART
cblr-3006	232	44	own	own	VERB
cblr-3006	232	45	homes.3	homes.3	NOUN
cblr-3006	232	46	most	most	ADV
cblr-3006	232	47	prominently	prominently	ADV
cblr-3006	232	48	,	,	PUNCT
cblr-3006	232	49	credit	credit	NOUN
cblr-3006	232	50	cards	card	NOUN
cblr-3006	232	51	have	have	AUX
cblr-3006	232	52	displaced	displace	VERB
cblr-3006	232	53	personal	personal	ADJ
cblr-3006	232	54	finance	finance	NOUN
cblr-3006	232	55	companies	company	NOUN
cblr-3006	232	56	and	and	CCONJ
cblr-3006	232	57	retail	retail	ADJ
cblr-3006	232	58	stores	store	NOUN
cblr-3006	232	59	as	as	ADP
cblr-3006	232	60	sources	source	NOUN
cblr-3006	232	61	of	of	ADP
cblr-3006	232	62	unsecured	unsecured	ADJ
cblr-3006	232	63	credit	credit	NOUN
cblr-3006	232	64	.	.	PUNCT
cblr-3006	233	1	4	4	NUM
cblr-3006	233	2	unsecured	unsecured	ADJ
cblr-3006	233	3	personal	personal	ADJ
cblr-3006	233	4	finance	finance	NOUN
cblr-3006	233	5	loans	loan	NOUN
cblr-3006	233	6	are	be	AUX
cblr-3006	233	7	expensive	expensive	ADJ
cblr-3006	233	8	,	,	PUNCT
cblr-3006	233	9	with	with	ADP
cblr-3006	233	10	much	much	ADV
cblr-3006	233	11	higher	high	ADJ
cblr-3006	233	12	initiation	initiation	NOUN
cblr-3006	233	13	fees	fee	NOUN
cblr-3006	233	14	than	than	ADP
cblr-3006	233	15	credit	credit	NOUN
cblr-3006	233	16	cards	card	NOUN
cblr-3006	233	17	.	.	PUNCT
cblr-3006	234	1	5	5	NUM
cblr-3006	234	2	in	in	ADP
cblr-3006	234	3	addition	addition	NOUN
cblr-3006	234	4	,	,	PUNCT
cblr-3006	234	5	finance	finance	NOUN
cblr-3006	234	6	loans	loan	NOUN
cblr-3006	234	7	are	be	AUX
cblr-3006	234	8	usually	usually	ADV
cblr-3006	234	9	made	make	VERB
cblr-3006	234	10	in	in	ADP
cblr-3006	234	11	set	set	ADJ
cblr-3006	234	12	amounts	amount	NOUN
cblr-3006	234	13	with	with	ADP
cblr-3006	234	14	regular	regular	ADJ
cblr-3006	234	15	payment	payment	NOUN
cblr-3006	234	16	terms	term	NOUN
cblr-3006	234	17	,	,	PUNCT
cblr-3006	234	18	and	and	CCONJ
cblr-3006	234	19	often	often	ADV
cblr-3006	234	20	limit	limit	VERB
cblr-3006	234	21	the	the	DET
cblr-3006	234	22	borrower	borrower	NOUN
cblr-3006	234	23	's	's	PART
cblr-3006	234	24	ability	ability	NOUN
cblr-3006	234	25	to	to	PART
cblr-3006	234	26	prepay	prepay	VERB
cblr-3006	234	27	.	.	PUNCT
cblr-3006	235	1	therefore	therefore	ADV
cblr-3006	235	2	,	,	PUNCT
cblr-3006	235	3	for	for	ADP
cblr-3006	235	4	both	both	CCONJ
cblr-3006	235	5	cost	cost	NOUN
cblr-3006	235	6	and	and	CCONJ
cblr-3006	235	7	convenience	convenience	NOUN
cblr-3006	235	8	,	,	PUNCT
cblr-3006	235	9	credit	credit	NOUN
cblr-3006	235	10	cards	card	NOUN
cblr-3006	235	11	are	be	AUX
cblr-3006	235	12	attractive	attractive	ADJ
cblr-3006	235	13	for	for	ADP
cblr-3006	235	14	consumers	consumer	NOUN
cblr-3006	235	15	.	.	PUNCT
cblr-3006	236	1	general	general	ADJ
cblr-3006	236	2	purpose	purpose	NOUN
cblr-3006	236	3	credit	credit	NOUN
cblr-3006	236	4	cards	card	NOUN
cblr-3006	236	5	have	have	AUX
cblr-3006	236	6	also	also	ADV
cblr-3006	236	7	substantially	substantially	ADV
cblr-3006	236	8	displaced	displace	VERB
cblr-3006	236	9	retail	retail	ADJ
cblr-3006	236	10	store	store	NOUN
cblr-3006	236	11	credit	credit	NOUN
cblr-3006	236	12	.	.	PUNCT
cblr-3006	237	1	6	6	NUM
cblr-3006	237	2	purchases	purchase	NOUN
cblr-3006	237	3	of	of	ADP
cblr-3006	237	4	household	household	NOUN
cblr-3006	237	5	durables	durable	NOUN
cblr-3006	237	6	and	and	CCONJ
cblr-3006	237	7	apparel	apparel	NOUN
cblr-3006	237	8	were	be	AUX
cblr-3006	237	9	31	31	NUM
cblr-3006	237	10	see	see	VERB
cblr-3006	237	11	todd	todd	PROPN
cblr-3006	237	12	j.	j.	PROPN
cblr-3006	237	13	zywicki	zywicki	PROPN
cblr-3006	237	14	,	,	PUNCT
cblr-3006	237	15	an	an	DET
cblr-3006	237	16	economic	economic	ADJ
cblr-3006	237	17	analysis	analysis	NOUN
cblr-3006	237	18	of	of	ADP
cblr-3006	237	19	the	the	DET
cblr-3006	237	20	consumer	consumer	NOUN
cblr-3006	237	21	bankruptcy	bankruptcy	NOUN
cblr-3006	237	22	crisis	crisis	NOUN
cblr-3006	237	23	99	99	NUM
cblr-3006	237	24	nw	nw	PROPN
cblr-3006	237	25	.	.	PUNCT
cblr-3006	237	26	u.	u.	PROPN
cblr-3006	237	27	l.	l.	PROPN
cblr-3006	237	28	rev	rev	PROPN
cblr-3006	237	29	.	.	PROPN
cblr-3006	237	30	1463	1463	NUM
cblr-3006	237	31	,	,	PUNCT
cblr-3006	237	32	1492	1492	NUM
cblr-3006	237	33	-	-	SYM
cblr-3006	237	34	99	99	NUM
cblr-3006	237	35	(	(	PUNCT
cblr-3006	237	36	2005	2005	NUM
cblr-3006	237	37	)	)	PUNCT
cblr-3006	238	1	[	[	X
cblr-3006	238	2	hereinafter	hereinafter	NOUN
cblr-3006	238	3	zywicki	zywicki	NOUN
cblr-3006	238	4	,	,	PUNCT
cblr-3006	238	5	bankruptcy	bankruptcy	NOUN
cblr-3006	238	6	crisis	crisis	NOUN
cblr-3006	238	7	]	]	PUNCT
cblr-3006	238	8	;	;	PUNCT
cblr-3006	238	9	see	see	VERB
cblr-3006	238	10	also	also	ADV
cblr-3006	238	11	johnson	johnson	PROPN
cblr-3006	238	12	&	&	CCONJ
cblr-3006	238	13	johnson	johnson	PROPN
cblr-3006	238	14	,	,	PUNCT
cblr-3006	238	15	supra	supra	PROPN
cblr-3006	238	16	note	note	PROPN
cblr-3006	238	17	31	31	NUM
cblr-3006	238	18	,	,	PUNCT
cblr-3006	238	19	at	at	ADP
cblr-3006	238	20	47	47	NUM
cblr-3006	238	21	(	(	PUNCT
cblr-3006	238	22	finding	find	VERB
cblr-3006	238	23	that	that	SCONJ
cblr-3006	238	24	65.4	65.4	NUM
cblr-3006	238	25	%	%	NOUN
cblr-3006	238	26	of	of	ADP
cblr-3006	238	27	americans	americans	PROPN
cblr-3006	238	28	own	own	VERB
cblr-3006	238	29	their	their	PRON
cblr-3006	238	30	homes	home	NOUN
cblr-3006	238	31	,	,	PUNCT
cblr-3006	238	32	but	but	CCONJ
cblr-3006	238	33	only	only	ADV
cblr-3006	238	34	34.8	34.8	NUM
cblr-3006	238	35	%	%	NOUN
cblr-3006	238	36	of	of	ADP
cblr-3006	238	37	those	those	PRON
cblr-3006	238	38	who	who	PRON
cblr-3006	238	39	borrow	borrow	VERB
cblr-3006	238	40	from	from	ADP
cblr-3006	238	41	pawn	pawn	NOUN
cblr-3006	238	42	shops	shop	NOUN
cblr-3006	238	43	do	do	VERB
cblr-3006	238	44	so	so	ADV
cblr-3006	238	45	)	)	PUNCT
cblr-3006	238	46	.	.	PUNCT
cblr-3006	238	47	"	"	PUNCT
cblr-3006	239	1	see	see	VERB
cblr-3006	239	2	alan	alan	PROPN
cblr-3006	239	3	greenspan	greenspan	PROPN
cblr-3006	239	4	,	,	PUNCT
cblr-3006	239	5	chairman	chairman	NOUN
cblr-3006	239	6	,	,	PUNCT
cblr-3006	239	7	federal	federal	PROPN
cblr-3006	239	8	reserve	reserve	PROPN
cblr-3006	239	9	board	board	PROPN
cblr-3006	239	10	,	,	PUNCT
cblr-3006	239	11	understanding	understand	VERB
cblr-3006	239	12	household	household	NOUN
cblr-3006	239	13	debt	debt	NOUN
cblr-3006	239	14	obligations	obligation	NOUN
cblr-3006	239	15	,	,	PUNCT
cblr-3006	239	16	remarks	remark	NOUN
cblr-3006	239	17	given	give	VERB
cblr-3006	239	18	at	at	ADP
cblr-3006	239	19	the	the	DET
cblr-3006	239	20	credit	credit	NOUN
cblr-3006	239	21	union	union	PROPN
cblr-3006	239	22	national	national	PROPN
cblr-3006	239	23	association	association	PROPN
cblr-3006	239	24	2004	2004	NUM
cblr-3006	239	25	governmental	governmental	PROPN
cblr-3006	239	26	affairs	affairs	PROPN
cblr-3006	239	27	conference	conference	NOUN
cblr-3006	239	28	(	(	PUNCT
cblr-3006	239	29	feb	feb	PROPN
cblr-3006	239	30	.	.	PROPN
cblr-3006	239	31	23	23	NUM
cblr-3006	239	32	,	,	PUNCT
cblr-3006	239	33	2004	2004	NUM
cblr-3006	239	34	)	)	PUNCT
cblr-3006	239	35	,	,	PUNCT
cblr-3006	239	36	available	available	ADJ
cblr-3006	239	37	at	at	ADP
cblr-3006	239	38	http://www.federalreserve.gov/boarddocs/speeches/	http://www.federalreserve.gov/boarddocs/speeches/	PROPN
cblr-3006	239	39	2004/20040223	2004/20040223	NUM
cblr-3006	239	40	/	/	SYM
cblr-3006	239	41	default.htm	default.htm	X
cblr-3006	239	42	(	(	PUNCT
cblr-3006	239	43	noting	note	VERB
cblr-3006	239	44	that	that	SCONJ
cblr-3006	239	45	"	"	PUNCT
cblr-3006	239	46	the	the	DET
cblr-3006	239	47	rise	rise	NOUN
cblr-3006	239	48	in	in	ADP
cblr-3006	239	49	credit	credit	NOUN
cblr-3006	239	50	card	card	NOUN
cblr-3006	239	51	debt	debt	NOUN
cblr-3006	239	52	in	in	ADP
cblr-3006	239	53	the	the	DET
cblr-3006	239	54	latter	latter	ADJ
cblr-3006	239	55	half	half	NOUN
cblr-3006	239	56	of	of	ADP
cblr-3006	239	57	the	the	DET
cblr-3006	239	58	1990s	1990s	NUM
cblr-3006	239	59	is	be	AUX
cblr-3006	239	60	mirrored	mirror	VERB
cblr-3006	239	61	by	by	ADP
cblr-3006	239	62	a	a	DET
cblr-3006	239	63	fall	fall	NOUN
cblr-3006	239	64	in	in	ADP
cblr-3006	239	65	unsecured	unsecured	ADJ
cblr-3006	239	66	personal	personal	ADJ
cblr-3006	239	67	loans	loan	NOUN
cblr-3006	239	68	"	"	PUNCT
cblr-3006	239	69	)	)	PUNCT
cblr-3006	239	70	;	;	PUNCT
cblr-3006	239	71	arthur	arthur	PROPN
cblr-3006	239	72	b.	b.	PROPN
cblr-3006	239	73	kennickell	kennickell	PROPN
cblr-3006	239	74	,	,	PUNCT
cblr-3006	239	75	a	a	DET
cblr-3006	239	76	rolling	rolling	ADJ
cblr-3006	239	77	tide	tide	NOUN
cblr-3006	239	78	:	:	PUNCT
cblr-3006	239	79	changes	change	NOUN
cblr-3006	239	80	in	in	ADP
cblr-3006	239	81	the	the	DET
cblr-3006	239	82	distribution	distribution	NOUN
cblr-3006	239	83	of	of	ADP
cblr-3006	239	84	wealth	wealth	NOUN
cblr-3006	239	85	in	in	ADP
cblr-3006	239	86	the	the	DET
cblr-3006	239	87	u.s	u.s	PROPN
cblr-3006	239	88	.	.	PROPN
cblr-3006	239	89	,	,	PUNCT
cblr-3006	239	90	1989	1989	NUM
cblr-3006	239	91	-	-	SYM
cblr-3006	239	92	2001	2001	NUM
cblr-3006	239	93	17	17	NUM
cblr-3006	239	94	(	(	PUNCT
cblr-3006	239	95	federal	federal	PROPN
cblr-3006	239	96	reserve	reserve	PROPN
cblr-3006	239	97	board	board	PROPN
cblr-3006	239	98	,	,	PUNCT
cblr-3006	239	99	survey	survey	NOUN
cblr-3006	239	100	of	of	ADP
cblr-3006	239	101	consumer	consumer	NOUN
cblr-3006	239	102	finances	finance	NOUN
cblr-3006	239	103	working	working	NOUN
cblr-3006	239	104	paper	paper	NOUN
cblr-3006	239	105	,	,	PUNCT
cblr-3006	239	106	sept	sept	PROPN
cblr-3006	239	107	.	.	PROPN
cblr-3006	239	108	2003	2003	NUM
cblr-3006	239	109	)	)	PUNCT
cblr-3006	239	110	,	,	PUNCT
cblr-3006	239	111	available	available	ADJ
cblr-3006	239	112	at	at	ADP
cblr-3006	239	113	http://www.federalreserve.gov/pubs/oss/oss2/papers/concentration.2001.10	http://www.federalreserve.gov/pubs/oss/oss2/papers/concentration.2001.10	PROPN
cblr-3006	239	114	.	.	PROPN
cblr-3006	239	115	pdf	pdf	PROPN
cblr-3006	239	116	(	(	PUNCT
cblr-3006	239	117	noting	note	VERB
cblr-3006	239	118	that	that	SCONJ
cblr-3006	239	119	many	many	ADJ
cblr-3006	239	120	lenders	lender	NOUN
cblr-3006	239	121	have	have	AUX
cblr-3006	239	122	stopped	stop	VERB
cblr-3006	239	123	offering	offer	VERB
cblr-3006	239	124	unsecured	unsecured	ADJ
cblr-3006	239	125	lines	line	NOUN
cblr-3006	239	126	of	of	ADP
cblr-3006	239	127	credit	credit	NOUN
cblr-3006	239	128	)	)	PUNCT
cblr-3006	239	129	.	.	PUNCT
cblr-3006	240	1	"	"	PUNCT
cblr-3006	240	2	see	see	VERB
cblr-3006	240	3	dagobert	dagobert	PROPN
cblr-3006	240	4	l.	l.	PROPN
cblr-3006	240	5	brito	brito	PROPN
cblr-3006	240	6	&	&	CCONJ
cblr-3006	240	7	peter	peter	PROPN
cblr-3006	240	8	r.	r.	PROPN
cblr-3006	240	9	hartley	hartley	PROPN
cblr-3006	240	10	,	,	PUNCT
cblr-3006	240	11	consumer	consumer	NOUN
cblr-3006	240	12	rationality	rationality	NOUN
cblr-3006	240	13	and	and	CCONJ
cblr-3006	240	14	credit	credit	NOUN
cblr-3006	240	15	cards	card	NOUN
cblr-3006	240	16	,	,	PUNCT
cblr-3006	240	17	103	103	NUM
cblr-3006	240	18	j.	j.	PROPN
cblr-3006	240	19	pol	pol	PROPN
cblr-3006	240	20	.	.	PUNCT
cblr-3006	241	1	econ	econ	PROPN
cblr-3006	241	2	.	.	PUNCT
cblr-3006	242	1	400	400	NUM
cblr-3006	242	2	,	,	PUNCT
cblr-3006	242	3	402	402	NUM
cblr-3006	242	4	(	(	PUNCT
cblr-3006	242	5	1995	1995	NUM
cblr-3006	242	6	)	)	PUNCT
cblr-3006	242	7	.	.	PUNCT
cblr-3006	243	1	in	in	ADP
cblr-3006	243	2	addition	addition	NOUN
cblr-3006	243	3	,	,	PUNCT
cblr-3006	243	4	credit	credit	NOUN
cblr-3006	243	5	card	card	NOUN
cblr-3006	243	6	applications	application	NOUN
cblr-3006	243	7	are	be	AUX
cblr-3006	243	8	generally	generally	ADV
cblr-3006	243	9	easier	easy	ADJ
cblr-3006	243	10	and	and	CCONJ
cblr-3006	243	11	more	more	ADV
cblr-3006	243	12	convenient	convenient	ADJ
cblr-3006	243	13	than	than	ADP
cblr-3006	243	14	those	those	PRON
cblr-3006	243	15	for	for	ADP
cblr-3006	243	16	personal	personal	ADJ
cblr-3006	243	17	loans	loan	NOUN
cblr-3006	243	18	.	.	PUNCT
cblr-3006	244	1	36	36	NUM
cblr-3006	244	2	see	see	VERB
cblr-3006	244	3	thomas	thomas	PROPN
cblr-3006	244	4	a.	a.	PROPN
cblr-3006	244	5	durkin	durkin	PROPN
cblr-3006	244	6	,	,	PUNCT
cblr-3006	244	7	credit	credit	NOUN
cblr-3006	244	8	cards	card	NOUN
cblr-3006	244	9	:	:	PUNCT
cblr-3006	244	10	use	use	NOUN
cblr-3006	244	11	and	and	CCONJ
cblr-3006	244	12	consumer	consumer	NOUN
cblr-3006	244	13	attitudes	attitude	NOUN
cblr-3006	244	14	,	,	PUNCT
cblr-3006	244	15	1970	1970	NUM
cblr-3006	244	16	-	-	SYM
cblr-3006	244	17	2000	2000	NUM
cblr-3006	244	18	,	,	PUNCT
cblr-3006	244	19	86	86	NUM
cblr-3006	244	20	fed	fed	PROPN
cblr-3006	244	21	.	.	PUNCT
cblr-3006	245	1	res	re	NOUN
cblr-3006	245	2	.	.	PUNCT
cblr-3006	246	1	bull	bull	NOUN
cblr-3006	246	2	.	.	PUNCT
cblr-3006	247	1	623	623	NUM
cblr-3006	247	2	,	,	PUNCT
cblr-3006	247	3	623	623	NUM
cblr-3006	247	4	-	-	SYM
cblr-3006	247	5	24	24	NUM
cblr-3006	247	6	(	(	PUNCT
cblr-3006	247	7	2000	2000	NUM
cblr-3006	247	8	)	)	PUNCT
cblr-3006	247	9	,	,	PUNCT
cblr-3006	247	10	available	available	ADJ
cblr-3006	247	11	at	at	ADP
cblr-3006	247	12	http://www.federalreserve.gov/pubs/bulletin/200/0900lead.pdf	http://www.federalreserve.gov/pubs/bulletin/200/0900lead.pdf	NOUN
cblr-3006	247	13	(	(	PUNCT
cblr-3006	247	14	observing	observe	VERB
cblr-3006	247	15	that	that	SCONJ
cblr-3006	247	16	credit	credit	NOUN
cblr-3006	247	17	cards	card	NOUN
cblr-3006	247	18	"	"	PUNCT
cblr-3006	247	19	have	have	AUX
cblr-3006	247	20	largely	largely	ADV
cblr-3006	247	21	replaced	replace	VERB
cblr-3006	247	22	the	the	DET
cblr-3006	247	23	installment	installment	NOUN
cblr-3006	247	24	-	-	PUNCT
cblr-3006	247	25	purchase	purchase	NOUN
cblr-3006	247	26	plans	plan	NOUN
cblr-3006	247	27	that	that	PRON
cblr-3006	247	28	were	be	AUX
cblr-3006	247	29	important	important	ADJ
cblr-3006	247	30	to	to	ADP
cblr-3006	247	31	the	the	DET
cblr-3006	247	32	sales	sale	NOUN
cblr-3006	247	33	volume	volume	NOUN
cblr-3006	247	34	at	at	ADP
cblr-3006	247	35	many	many	ADJ
cblr-3006	247	36	retail	retail	ADJ
cblr-3006	247	37	stores	store	NOUN
cblr-3006	247	38	in	in	ADP
cblr-3006	247	39	earlier	early	ADJ
cblr-3006	247	40	decades	decade	NOUN
cblr-3006	247	41	,	,	PUNCT
cblr-3006	247	42	"	"	PUNCT
cblr-3006	247	43	especially	especially	ADV
cblr-3006	247	44	for	for	ADP
cblr-3006	247	45	the	the	DET
cblr-3006	247	46	purchase	purchase	NOUN
cblr-3006	247	47	of	of	ADP
cblr-3006	247	48	appliances	appliance	NOUN
cblr-3006	247	49	,	,	PUNCT
cblr-3006	247	50	furniture	furniture	NOUN
cblr-3006	247	51	,	,	PUNCT
cblr-3006	247	52	and	and	CCONJ
cblr-3006	247	53	other	other	ADJ
cblr-3006	247	54	durables	durable	NOUN
cblr-3006	247	55	)	)	PUNCT
cblr-3006	247	56	.	.	PUNCT
cblr-3006	248	1	(	(	PUNCT
cblr-3006	248	2	vol	vol	NOUN
cblr-3006	248	3	.	.	PUNCT
cblr-3006	248	4	2005	2005	NUM
cblr-3006	248	5	the	the	DET
cblr-3006	248	6	economics	economic	NOUN
cblr-3006	248	7	of	of	ADP
cblr-3006	248	8	two	two	NUM
cblr-3006	248	9	-	-	PUNCT
cblr-3006	248	10	sided	sided	ADJ
cblr-3006	248	11	markets	market	NOUN
cblr-3006	248	12	traditionally	traditionally	ADV
cblr-3006	248	13	made	make	VERB
cblr-3006	248	14	on	on	ADP
cblr-3006	248	15	credit	credit	NOUN
cblr-3006	248	16	,	,	PUNCT
cblr-3006	248	17	but	but	CCONJ
cblr-3006	248	18	credit	credit	NOUN
cblr-3006	248	19	cards	card	NOUN
cblr-3006	248	20	now	now	ADV
cblr-3006	248	21	substitute	substitute	VERB
cblr-3006	248	22	for	for	ADP
cblr-3006	248	23	the	the	DET
cblr-3006	248	24	in	in	ADP
cblr-3006	248	25	-	-	PUNCT
cblr-3006	248	26	house	house	NOUN
cblr-3006	248	27	credit	credit	NOUN
cblr-3006	248	28	operations	operation	NOUN
cblr-3006	248	29	of	of	ADP
cblr-3006	248	30	retailers	retailer	NOUN
cblr-3006	248	31	.	.	PUNCT
cblr-3006	249	1	7	7	NUM
cblr-3006	249	2	because	because	SCONJ
cblr-3006	249	3	of	of	ADP
cblr-3006	249	4	this	this	DET
cblr-3006	249	5	substitution	substitution	NOUN
cblr-3006	249	6	effect	effect	NOUN
cblr-3006	249	7	,	,	PUNCT
cblr-3006	249	8	most	most	ADJ
cblr-3006	249	9	of	of	ADP
cblr-3006	249	10	the	the	DET
cblr-3006	249	11	growth	growth	NOUN
cblr-3006	249	12	in	in	ADP
cblr-3006	249	13	credit	credit	NOUN
cblr-3006	249	14	card	card	NOUN
cblr-3006	249	15	credit	credit	NOUN
cblr-3006	249	16	has	have	AUX
cblr-3006	249	17	not	not	PART
cblr-3006	249	18	increased	increase	VERB
cblr-3006	249	19	overall	overall	ADJ
cblr-3006	249	20	consumer	consumer	NOUN
cblr-3006	249	21	debt	debt	NOUN
cblr-3006	249	22	.	.	PUNCT
cblr-3006	250	1	the	the	DET
cblr-3006	250	2	use	use	NOUN
cblr-3006	250	3	of	of	ADP
cblr-3006	250	4	revolving	revolve	VERB
cblr-3006	250	5	credit	credit	NOUN
cblr-3006	250	6	has	have	AUX
cblr-3006	250	7	risen	rise	VERB
cblr-3006	250	8	,	,	PUNCT
cblr-3006	250	9	while	while	SCONJ
cblr-3006	250	10	consumer	consumer	NOUN
cblr-3006	250	11	installment	installment	NOUN
cblr-3006	250	12	borrowing	borrowing	NOUN
cblr-3006	250	13	has	have	AUX
cblr-3006	250	14	fallen	fall	VERB
cblr-3006	250	15	.	.	PUNCT
cblr-3006	251	1	8	8	NUM
cblr-3006	251	2	b.	b.	PROPN
cblr-3006	251	3	benefits	benefit	NOUN
cblr-3006	251	4	to	to	ADP
cblr-3006	251	5	merchants	merchant	NOUN
cblr-3006	251	6	payment	payment	NOUN
cblr-3006	251	7	cards	card	NOUN
cblr-3006	251	8	offer	offer	VERB
cblr-3006	251	9	substantial	substantial	ADJ
cblr-3006	251	10	benefits	benefit	NOUN
cblr-3006	251	11	to	to	ADP
cblr-3006	251	12	merchants	merchant	NOUN
cblr-3006	251	13	as	as	ADV
cblr-3006	251	14	well	well	ADV
cblr-3006	251	15	.	.	PUNCT
cblr-3006	252	1	some	some	PRON
cblr-3006	252	2	of	of	ADP
cblr-3006	252	3	the	the	DET
cblr-3006	252	4	benefits	benefit	NOUN
cblr-3006	252	5	to	to	ADP
cblr-3006	252	6	consumers	consumer	NOUN
cblr-3006	252	7	discussed	discuss	VERB
cblr-3006	252	8	above	above	ADV
cblr-3006	252	9	,	,	PUNCT
cblr-3006	252	10	such	such	ADJ
cblr-3006	252	11	as	as	ADP
cblr-3006	252	12	speed	speed	NOUN
cblr-3006	252	13	of	of	ADP
cblr-3006	252	14	use	use	NOUN
cblr-3006	252	15	and	and	CCONJ
cblr-3006	252	16	convenience	convenience	NOUN
cblr-3006	252	17	,	,	PUNCT
cblr-3006	252	18	also	also	ADV
cblr-3006	252	19	aid	aid	VERB
cblr-3006	252	20	merchants	merchant	NOUN
cblr-3006	252	21	.	.	PUNCT
cblr-3006	253	1	additionally	additionally	ADV
cblr-3006	253	2	,	,	PUNCT
cblr-3006	253	3	most	most	ADJ
cblr-3006	253	4	acquirers	acquirer	NOUN
cblr-3006	253	5	offer	offer	VERB
cblr-3006	253	6	useful	useful	ADJ
cblr-3006	253	7	and	and	CCONJ
cblr-3006	253	8	convenient	convenient	ADJ
cblr-3006	253	9	billing	billing	NOUN
cblr-3006	253	10	operations	operation	NOUN
cblr-3006	253	11	that	that	PRON
cblr-3006	253	12	can	can	AUX
cblr-3006	253	13	reduce	reduce	VERB
cblr-3006	253	14	bookkeeping	bookkeeping	NOUN
cblr-3006	253	15	costs	cost	NOUN
cblr-3006	253	16	.	.	PUNCT
cblr-3006	254	1	moreover	moreover	ADV
cblr-3006	254	2	,	,	PUNCT
cblr-3006	254	3	unlike	unlike	ADP
cblr-3006	254	4	bounced	bounce	VERB
cblr-3006	254	5	checks	check	NOUN
cblr-3006	254	6	for	for	ADP
cblr-3006	254	7	which	which	PRON
cblr-3006	254	8	the	the	DET
cblr-3006	254	9	merchant	merchant	NOUN
cblr-3006	254	10	bears	bear	VERB
cblr-3006	254	11	the	the	DET
cblr-3006	254	12	risk	risk	NOUN
cblr-3006	254	13	,	,	PUNCT
cblr-3006	254	14	card	card	NOUN
cblr-3006	254	15	issuers	issuer	NOUN
cblr-3006	254	16	bear	bear	VERB
cblr-3006	254	17	the	the	DET
cblr-3006	254	18	risk	risk	NOUN
cblr-3006	254	19	of	of	ADP
cblr-3006	254	20	consumer	consumer	NOUN
cblr-3006	254	21	nonpayment	nonpayment	NOUN
cblr-3006	254	22	.	.	PUNCT
cblr-3006	255	1	9	9	NUM
cblr-3006	256	1	compared	compare	VERB
cblr-3006	256	2	to	to	ADP
cblr-3006	256	3	cash	cash	NOUN
cblr-3006	256	4	,	,	PUNCT
cblr-3006	256	5	payment	payment	NOUN
cblr-3006	256	6	cards	card	NOUN
cblr-3006	256	7	also	also	ADV
cblr-3006	256	8	reduce	reduce	VERB
cblr-3006	256	9	the	the	DET
cblr-3006	256	10	risk	risk	NOUN
cblr-3006	256	11	of	of	ADP
cblr-3006	256	12	employee	employee	NOUN
cblr-3006	256	13	errors	error	NOUN
cblr-3006	256	14	and	and	CCONJ
cblr-3006	256	15	theft	theft	NOUN
cblr-3006	256	16	.	.	PUNCT
cblr-3006	257	1	most	most	ADJ
cblr-3006	257	2	consumer	consumer	NOUN
cblr-3006	257	3	credit	credit	NOUN
cblr-3006	257	4	was	be	AUX
cblr-3006	257	5	once	once	ADV
cblr-3006	257	6	tied	tie	VERB
cblr-3006	257	7	to	to	ADP
cblr-3006	257	8	specific	specific	ADJ
cblr-3006	257	9	companies	company	NOUN
cblr-3006	257	10	such	such	ADJ
cblr-3006	257	11	as	as	ADP
cblr-3006	257	12	gasoline	gasoline	NOUN
cblr-3006	257	13	refineries	refinery	NOUN
cblr-3006	257	14	and	and	CCONJ
cblr-3006	257	15	department	department	NOUN
cblr-3006	257	16	stores	store	NOUN
cblr-3006	257	17	.	.	PUNCT
cblr-3006	258	1	singer	singer	NOUN
cblr-3006	258	2	sewing	sewing	NOUN
cblr-3006	258	3	machine	machine	NOUN
cblr-3006	258	4	company	company	NOUN
cblr-3006	258	5	was	be	AUX
cblr-3006	258	6	the	the	DET
cblr-3006	258	7	first	first	ADJ
cblr-3006	258	8	large	large	ADJ
cblr-3006	258	9	scale	scale	NOUN
cblr-3006	258	10	issuer	issuer	NOUN
cblr-3006	258	11	of	of	ADP
cblr-3006	258	12	installment	installment	NOUN
cblr-3006	258	13	credit	credit	NOUN
cblr-3006	258	14	for	for	ADP
cblr-3006	258	15	consumer	consumer	NOUN
cblr-3006	258	16	sales	sale	NOUN
cblr-3006	258	17	,	,	PUNCT
cblr-3006	258	18	beginning	begin	VERB
cblr-3006	258	19	in	in	ADP
cblr-3006	258	20	1850.40	1850.40	NUM
cblr-3006	258	21	oil	oil	NOUN
cblr-3006	258	22	company	company	NOUN
cblr-3006	258	23	and	and	CCONJ
cblr-3006	258	24	hotel	hotel	NOUN
cblr-3006	258	25	charge	charge	NOUN
cblr-3006	258	26	cards	card	NOUN
cblr-3006	258	27	appeared	appear	VERB
cblr-3006	258	28	relatively	relatively	ADV
cblr-3006	258	29	early	early	ADV
cblr-3006	258	30	as	as	ADV
cblr-3006	258	31	well	well	ADV
cblr-3006	258	32	,	,	PUNCT
cblr-3006	258	33	catering	cater	VERB
cblr-3006	258	34	to	to	ADP
cblr-3006	258	35	businessmen	businessman	NOUN
cblr-3006	258	36	who	who	PRON
cblr-3006	258	37	needed	need	VERB
cblr-3006	258	38	to	to	PART
cblr-3006	258	39	transact	transact	VERB
cblr-3006	258	40	while	while	SCONJ
cblr-3006	258	41	traveling.41	traveling.41	NUM
cblr-3006	258	42	department	department	NOUN
cblr-3006	258	43	stores	store	NOUN
cblr-3006	258	44	issued	issue	VERB
cblr-3006	258	45	credit	credit	NOUN
cblr-3006	258	46	to	to	ADP
cblr-3006	258	47	consumers	consumer	NOUN
cblr-3006	258	48	,	,	PUNCT
cblr-3006	258	49	especially	especially	ADV
cblr-3006	258	50	for	for	ADP
cblr-3006	258	51	appliances	appliance	NOUN
cblr-3006	258	52	and	and	CCONJ
cblr-3006	258	53	other	other	ADJ
cblr-3006	258	54	consumer	consumer	NOUN
cblr-3006	258	55	durables	durable	NOUN
cblr-3006	258	56	.	.	PUNCT
cblr-3006	259	1	as	as	ADV
cblr-3006	259	2	early	early	ADV
cblr-3006	259	3	as	as	ADP
cblr-3006	259	4	1930	1930	NUM
cblr-3006	259	5	,	,	PUNCT
cblr-3006	259	6	almost	almost	ADV
cblr-3006	259	7	as	as	ADP
cblr-3006	259	8	many	many	ADJ
cblr-3006	259	9	purchases	purchase	NOUN
cblr-3006	259	10	in	in	ADP
cblr-3006	259	11	department	department	NOUN
cblr-3006	259	12	stores	store	NOUN
cblr-3006	259	13	were	be	AUX
cblr-3006	259	14	made	make	VERB
cblr-3006	259	15	on	on	ADP
cblr-3006	259	16	"	"	PUNCT
cblr-3006	259	17	open	open	ADJ
cblr-3006	259	18	book	book	NOUN
cblr-3006	259	19	"	"	PUNCT
cblr-3006	259	20	revolving	revolve	VERB
cblr-3006	259	21	credit	credit	NOUN
cblr-3006	259	22	37	37	NUM
cblr-3006	259	23	evans	evans	PROPN
cblr-3006	259	24	&	&	CCONJ
cblr-3006	259	25	schmalensee	schmalensee	PROPN
cblr-3006	259	26	,	,	PUNCT
cblr-3006	259	27	supra	supra	PROPN
cblr-3006	259	28	note	note	NOUN
cblr-3006	259	29	2	2	NUM
cblr-3006	259	30	,	,	PUNCT
cblr-3006	259	31	at	at	ADP
cblr-3006	259	32	118	118	NUM
cblr-3006	259	33	.	.	NOUN
cblr-3006	259	34	3	3	NUM
cblr-3006	259	35	zywicki	zywicki	NOUN
cblr-3006	259	36	,	,	PUNCT
cblr-3006	259	37	bankruptcy	bankruptcy	NOUN
cblr-3006	259	38	crisis	crisis	NOUN
cblr-3006	259	39	,	,	PUNCT
cblr-3006	259	40	supra	supra	PROPN
cblr-3006	259	41	note	note	VERB
cblr-3006	259	42	33	33	NUM
cblr-3006	259	43	;	;	PUNCT
cblr-3006	259	44	see	see	VERB
cblr-3006	259	45	also	also	ADV
cblr-3006	259	46	wendy	wendy	PROPN
cblr-3006	259	47	m.	m.	PROPN
cblr-3006	259	48	edelberg	edelberg	PROPN
cblr-3006	259	49	&	&	CCONJ
cblr-3006	259	50	jonas	jonas	PROPN
cblr-3006	259	51	d.	d.	PROPN
cblr-3006	259	52	m.	m.	PROPN
cblr-3006	259	53	fisher	fisher	PROPN
cblr-3006	259	54	,	,	PUNCT
cblr-3006	259	55	household	household	NOUN
cblr-3006	259	56	debt	debt	NOUN
cblr-3006	259	57	,	,	PUNCT
cblr-3006	259	58	123	123	NUM
cblr-3006	259	59	chicago	chicago	PROPN
cblr-3006	259	60	fed	fed	PROPN
cblr-3006	259	61	.	.	PUNCT
cblr-3006	260	1	letter	letter	PROPN
cblr-3006	260	2	1	1	NUM
cblr-3006	260	3	,	,	PUNCT
cblr-3006	260	4	3	3	NUM
cblr-3006	260	5	(	(	PUNCT
cblr-3006	260	6	1997	1997	NUM
cblr-3006	260	7	)	)	PUNCT
cblr-3006	260	8	.	.	PUNCT
cblr-3006	261	1	"	"	PUNCT
cblr-3006	261	2	between	between	ADP
cblr-3006	261	3	1992	1992	NUM
cblr-3006	261	4	and	and	CCONJ
cblr-3006	261	5	2001	2001	NUM
cblr-3006	261	6	,	,	PUNCT
cblr-3006	261	7	visa	visa	NOUN
cblr-3006	261	8	issuers	issuer	NOUN
cblr-3006	261	9	wrote	write	VERB
cblr-3006	261	10	off	off	ADP
cblr-3006	261	11	$	$	SYM
cblr-3006	261	12	114	114	NUM
cblr-3006	261	13	billion	billion	NUM
cblr-3006	261	14	(	(	PUNCT
cblr-3006	261	15	about	about	ADV
cblr-3006	261	16	three	three	NUM
cblr-3006	261	17	percent	percent	NOUN
cblr-3006	261	18	of	of	ADP
cblr-3006	261	19	total	total	ADJ
cblr-3006	261	20	charges	charge	NOUN
cblr-3006	261	21	)	)	PUNCT
cblr-3006	261	22	as	as	ADP
cblr-3006	261	23	uncollectible	uncollectible	ADJ
cblr-3006	261	24	.	.	PUNCT
cblr-3006	262	1	see	see	VERB
cblr-3006	262	2	evans	evans	PROPN
cblr-3006	262	3	&	&	CCONJ
cblr-3006	262	4	schmalensee	schmalensee	PROPN
cblr-3006	262	5	,	,	PUNCT
cblr-3006	262	6	supra	supra	PROPN
cblr-3006	262	7	note	note	NOUN
cblr-3006	262	8	2	2	NUM
cblr-3006	262	9	,	,	PUNCT
cblr-3006	262	10	at	at	ADP
cblr-3006	262	11	102	102	NUM
cblr-3006	262	12	.	.	PUNCT
cblr-3006	263	1	40	40	NUM
cblr-3006	263	2	see	see	VERB
cblr-3006	263	3	james	james	PROPN
cblr-3006	263	4	m.	m.	PROPN
cblr-3006	263	5	ackerman	ackerman	PROPN
cblr-3006	263	6	,	,	PUNCT
cblr-3006	263	7	interest	interest	NOUN
cblr-3006	263	8	rates	rate	NOUN
cblr-3006	263	9	and	and	CCONJ
cblr-3006	263	10	the	the	DET
cblr-3006	263	11	law	law	NOUN
cblr-3006	263	12	:	:	PUNCT
cblr-3006	263	13	a	a	DET
cblr-3006	263	14	history	history	NOUN
cblr-3006	263	15	of	of	ADP
cblr-3006	263	16	usury	usury	NOUN
cblr-3006	263	17	,	,	PUNCT
cblr-3006	263	18	1981	1981	NUM
cblr-3006	263	19	ariz	ariz	PROPN
cblr-3006	263	20	.	.	PUNCT
cblr-3006	264	1	st	st	PROPN
cblr-3006	264	2	.	.	PROPN
cblr-3006	264	3	l.j	l.j	PROPN
cblr-3006	264	4	.	.	PROPN
cblr-3006	264	5	61	61	NUM
cblr-3006	264	6	,	,	PUNCT
cblr-3006	264	7	95	95	NUM
cblr-3006	264	8	(	(	PUNCT
cblr-3006	264	9	1981	1981	NUM
cblr-3006	264	10	)	)	PUNCT
cblr-3006	264	11	.	.	PUNCT
cblr-3006	265	1	41	41	NUM
cblr-3006	266	1	i	i	PRON
cblr-3006	266	2	d.	d.	PROPN
cblr-3006	266	3	no	no	INTJ
cblr-3006	266	4	.	.	PUNCT
cblr-3006	267	1	3:515	3:515	NUM
cblr-3006	267	2	]	]	X
cblr-3006	267	3	columbia	columbia	PROPN
cblr-3006	267	4	business	business	PROPN
cblr-3006	267	5	la	la	PROPN
cblr-3006	267	6	w	w	PROPN
cblr-3006	267	7	re	re	VERB
cblr-3006	267	8	view	view	NOUN
cblr-3006	267	9	as	as	SCONJ
cblr-3006	267	10	were	be	AUX
cblr-3006	267	11	made	make	VERB
cblr-3006	267	12	with	with	ADP
cblr-3006	267	13	cash.42	cash.42	NOUN
cblr-3006	267	14	historically	historically	ADV
cblr-3006	267	15	,	,	PUNCT
cblr-3006	267	16	only	only	ADV
cblr-3006	267	17	large	large	ADJ
cblr-3006	267	18	companies	company	NOUN
cblr-3006	267	19	and	and	CCONJ
cblr-3006	267	20	department	department	NOUN
cblr-3006	267	21	stores	store	NOUN
cblr-3006	267	22	could	could	AUX
cblr-3006	267	23	afford	afford	VERB
cblr-3006	267	24	the	the	DET
cblr-3006	267	25	administrative	administrative	ADJ
cblr-3006	267	26	expense	expense	NOUN
cblr-3006	267	27	and	and	CCONJ
cblr-3006	267	28	risk	risk	NOUN
cblr-3006	267	29	of	of	ADP
cblr-3006	267	30	providing	provide	VERB
cblr-3006	267	31	in	in	ADP
cblr-3006	267	32	-	-	PUNCT
cblr-3006	267	33	house	house	NOUN
cblr-3006	267	34	consumer	consumer	NOUN
cblr-3006	267	35	credit	credit	NOUN
cblr-3006	267	36	.	.	PUNCT
cblr-3006	268	1	even	even	ADV
cblr-3006	268	2	if	if	SCONJ
cblr-3006	268	3	credit	credit	NOUN
cblr-3006	268	4	was	be	AUX
cblr-3006	268	5	not	not	PART
cblr-3006	268	6	particularly	particularly	ADV
cblr-3006	268	7	profitable	profitable	ADJ
cblr-3006	268	8	,	,	PUNCT
cblr-3006	268	9	businesses	business	NOUN
cblr-3006	268	10	such	such	ADJ
cblr-3006	268	11	as	as	ADP
cblr-3006	268	12	department	department	NOUN
cblr-3006	268	13	stores	store	NOUN
cblr-3006	268	14	used	use	VERB
cblr-3006	268	15	their	their	PRON
cblr-3006	268	16	credit	credit	NOUN
cblr-3006	268	17	cards	card	NOUN
cblr-3006	268	18	to	to	PART
cblr-3006	268	19	build	build	VERB
cblr-3006	268	20	customer	customer	NOUN
cblr-3006	268	21	loyalty	loyalty	NOUN
cblr-3006	268	22	,	,	PUNCT
cblr-3006	268	23	enhance	enhance	VERB
cblr-3006	268	24	customer	customer	NOUN
cblr-3006	268	25	convenience	convenience	NOUN
cblr-3006	268	26	,	,	PUNCT
cblr-3006	268	27	and	and	CCONJ
cblr-3006	268	28	track	track	VERB
cblr-3006	268	29	customer	customer	NOUN
cblr-3006	268	30	purchase	purchase	NOUN
cblr-3006	268	31	patterns	pattern	NOUN
cblr-3006	268	32	.	.	PUNCT
cblr-3006	269	1	thus	thus	ADV
cblr-3006	269	2	,	,	PUNCT
cblr-3006	269	3	credit	credit	NOUN
cblr-3006	269	4	operations	operation	NOUN
cblr-3006	269	5	furthered	further	VERB
cblr-3006	269	6	the	the	DET
cblr-3006	269	7	larger	large	ADJ
cblr-3006	269	8	goal	goal	NOUN
cblr-3006	269	9	of	of	ADP
cblr-3006	269	10	promoting	promote	VERB
cblr-3006	269	11	sales	sale	NOUN
cblr-3006	269	12	.	.	PUNCT
cblr-3006	270	1	the	the	DET
cblr-3006	270	2	development	development	NOUN
cblr-3006	270	3	of	of	ADP
cblr-3006	270	4	universal	universal	ADJ
cblr-3006	270	5	bank	bank	NOUN
cblr-3006	270	6	cards	card	NOUN
cblr-3006	270	7	has	have	AUX
cblr-3006	270	8	especially	especially	ADV
cblr-3006	270	9	aided	aid	VERB
cblr-3006	270	10	small	small	ADJ
cblr-3006	270	11	and	and	CCONJ
cblr-3006	270	12	"	"	PUNCT
cblr-3006	270	13	boutique	boutique	NOUN
cblr-3006	270	14	"	"	PUNCT
cblr-3006	270	15	businesses	business	NOUN
cblr-3006	270	16	by	by	ADP
cblr-3006	270	17	separating	separate	VERB
cblr-3006	270	18	credit	credit	NOUN
cblr-3006	270	19	from	from	ADP
cblr-3006	270	20	the	the	DET
cblr-3006	270	21	retail	retail	ADJ
cblr-3006	270	22	transaction	transaction	NOUN
cblr-3006	270	23	.	.	PUNCT
cblr-3006	271	1	rather	rather	ADV
cblr-3006	271	2	than	than	ADP
cblr-3006	271	3	being	be	AUX
cblr-3006	271	4	forced	force	VERB
cblr-3006	271	5	to	to	PART
cblr-3006	271	6	maintain	maintain	VERB
cblr-3006	271	7	the	the	DET
cblr-3006	271	8	fixed	fix	VERB
cblr-3006	271	9	cost	cost	NOUN
cblr-3006	271	10	and	and	CCONJ
cblr-3006	271	11	risk	risk	NOUN
cblr-3006	271	12	of	of	ADP
cblr-3006	271	13	a	a	DET
cblr-3006	271	14	full	full	ADV
cblr-3006	271	15	-	-	PUNCT
cblr-3006	271	16	blown	blow	VERB
cblr-3006	271	17	consumer	consumer	NOUN
cblr-3006	271	18	credit	credit	NOUN
cblr-3006	271	19	system	system	NOUN
cblr-3006	271	20	,	,	PUNCT
cblr-3006	271	21	small	small	ADJ
cblr-3006	271	22	retailers	retailer	NOUN
cblr-3006	271	23	may	may	AUX
cblr-3006	271	24	now	now	ADV
cblr-3006	271	25	make	make	VERB
cblr-3006	271	26	sales	sale	NOUN
cblr-3006	271	27	on	on	ADP
cblr-3006	271	28	credit	credit	NOUN
cblr-3006	271	29	while	while	SCONJ
cblr-3006	271	30	shifting	shift	VERB
cblr-3006	271	31	the	the	DET
cblr-3006	271	32	risk	risk	NOUN
cblr-3006	271	33	and	and	CCONJ
cblr-3006	271	34	most	most	ADJ
cblr-3006	271	35	of	of	ADP
cblr-3006	271	36	the	the	DET
cblr-3006	271	37	fixed	fix	VERB
cblr-3006	271	38	costs	cost	NOUN
cblr-3006	271	39	to	to	ADP
cblr-3006	271	40	third	third	ADJ
cblr-3006	271	41	parties.43	parties.43	NOUN
cblr-3006	271	42	moreover	moreover	ADV
cblr-3006	271	43	,	,	PUNCT
cblr-3006	271	44	given	give	VERB
cblr-3006	271	45	the	the	DET
cblr-3006	271	46	obvious	obvious	ADJ
cblr-3006	271	47	comparative	comparative	ADJ
cblr-3006	271	48	advantage	advantage	NOUN
cblr-3006	271	49	and	and	CCONJ
cblr-3006	271	50	specialization	specialization	NOUN
cblr-3006	271	51	of	of	ADP
cblr-3006	271	52	banks	bank	NOUN
cblr-3006	271	53	and	and	CCONJ
cblr-3006	271	54	financial	financial	ADJ
cblr-3006	271	55	institutions	institution	NOUN
cblr-3006	271	56	in	in	ADP
cblr-3006	271	57	evaluating	evaluate	VERB
cblr-3006	271	58	consumers	consumer	NOUN
cblr-3006	271	59	'	'	PART
cblr-3006	271	60	repayment	repayment	NOUN
cblr-3006	271	61	capacity	capacity	NOUN
cblr-3006	271	62	,	,	PUNCT
cblr-3006	271	63	banks	bank	NOUN
cblr-3006	271	64	and	and	CCONJ
cblr-3006	271	65	financial	financial	ADJ
cblr-3006	271	66	institutions	institution	NOUN
cblr-3006	271	67	almost	almost	ADV
cblr-3006	271	68	certainly	certainly	ADV
cblr-3006	271	69	bear	bear	VERB
cblr-3006	271	70	the	the	DET
cblr-3006	271	71	nonpayment	nonpayment	NOUN
cblr-3006	271	72	risk	risk	NOUN
cblr-3006	271	73	at	at	ADP
cblr-3006	271	74	a	a	DET
cblr-3006	271	75	lesser	less	ADJ
cblr-3006	271	76	cost	cost	NOUN
cblr-3006	271	77	than	than	ADP
cblr-3006	271	78	most	most	ADJ
cblr-3006	271	79	retailers	retailer	NOUN
cblr-3006	271	80	.	.	PUNCT
cblr-3006	272	1	thus	thus	ADV
cblr-3006	272	2	,	,	PUNCT
cblr-3006	272	3	the	the	DET
cblr-3006	272	4	development	development	NOUN
cblr-3006	272	5	of	of	ADP
cblr-3006	272	6	universal	universal	ADJ
cblr-3006	272	7	bank	bank	NOUN
cblr-3006	272	8	cards	card	NOUN
cblr-3006	272	9	has	have	AUX
cblr-3006	272	10	especially	especially	ADV
cblr-3006	272	11	helped	help	VERB
cblr-3006	272	12	smaller	small	ADJ
cblr-3006	272	13	businesses	business	NOUN
cblr-3006	272	14	and	and	CCONJ
cblr-3006	272	15	increased	increase	VERB
cblr-3006	272	16	competition	competition	NOUN
cblr-3006	272	17	and	and	CCONJ
cblr-3006	272	18	consumer	consumer	NOUN
cblr-3006	272	19	choice	choice	NOUN
cblr-3006	272	20	.	.	PUNCT
cblr-3006	273	1	v.	v.	ADP
cblr-3006	273	2	government	government	NOUN
cblr-3006	273	3	intervention	intervention	NOUN
cblr-3006	273	4	in	in	ADP
cblr-3006	273	5	the	the	DET
cblr-3006	273	6	payment	payment	NOUN
cblr-3006	273	7	card	card	NOUN
cblr-3006	273	8	market	market	NOUN
cblr-3006	273	9	this	this	DET
cblr-3006	273	10	section	section	NOUN
cblr-3006	273	11	discusses	discuss	VERB
cblr-3006	273	12	an	an	DET
cblr-3006	273	13	important	important	ADJ
cblr-3006	273	14	example	example	NOUN
cblr-3006	273	15	of	of	ADP
cblr-3006	273	16	regulation	regulation	NOUN
cblr-3006	273	17	in	in	ADP
cblr-3006	273	18	the	the	DET
cblr-3006	273	19	payment	payment	NOUN
cblr-3006	273	20	card	card	NOUN
cblr-3006	273	21	market	market	NOUN
cblr-3006	273	22	.	.	PUNCT
cblr-3006	274	1	the	the	DET
cblr-3006	274	2	purported	purport	VERB
cblr-3006	274	3	need	need	NOUN
cblr-3006	274	4	for	for	ADP
cblr-3006	274	5	regulation	regulation	NOUN
cblr-3006	274	6	is	be	AUX
cblr-3006	274	7	based	base	VERB
cblr-3006	274	8	on	on	ADP
cblr-3006	274	9	the	the	DET
cblr-3006	274	10	claim	claim	NOUN
cblr-3006	274	11	that	that	SCONJ
cblr-3006	274	12	interchange	interchange	NOUN
cblr-3006	274	13	fees	fee	NOUN
cblr-3006	274	14	are	be	AUX
cblr-3006	274	15	"	"	PUNCT
cblr-3006	274	16	too	too	ADV
cblr-3006	274	17	high	high	ADJ
cblr-3006	274	18	"	"	PUNCT
cblr-3006	274	19	and	and	CCONJ
cblr-3006	274	20	,	,	PUNCT
cblr-3006	274	21	as	as	ADP
cblr-3006	274	22	a	a	DET
cblr-3006	274	23	result	result	NOUN
cblr-3006	274	24	,	,	PUNCT
cblr-3006	274	25	subsidize	subsidize	VERB
cblr-3006	274	26	consumers	consumer	NOUN
cblr-3006	274	27	to	to	PART
cblr-3006	274	28	overuse	overuse	VERB
cblr-3006	274	29	payment	payment	NOUN
cblr-3006	274	30	cards	card	NOUN
cblr-3006	274	31	.	.	PUNCT
cblr-3006	275	1	but	but	CCONJ
cblr-3006	275	2	regulators	regulator	NOUN
cblr-3006	275	3	'	'	PART
cblr-3006	275	4	failure	failure	NOUN
cblr-3006	275	5	to	to	PART
cblr-3006	275	6	recognize	recognize	VERB
cblr-3006	275	7	the	the	DET
cblr-3006	275	8	twosided	twoside	VERB
cblr-3006	275	9	nature	nature	NOUN
cblr-3006	275	10	of	of	ADP
cblr-3006	275	11	the	the	DET
cblr-3006	275	12	payment	payment	NOUN
cblr-3006	275	13	card	card	NOUN
cblr-3006	275	14	market	market	NOUN
cblr-3006	275	15	has	have	AUX
cblr-3006	275	16	resulted	result	VERB
cblr-3006	275	17	in	in	ADP
cblr-3006	275	18	42	42	NUM
cblr-3006	275	19	see	see	NOUN
cblr-3006	275	20	lewis	lewis	PROPN
cblr-3006	275	21	mandell	mandell	PROPN
cblr-3006	275	22	,	,	PUNCT
cblr-3006	275	23	the	the	DET
cblr-3006	275	24	credit	credit	NOUN
cblr-3006	275	25	card	card	NOUN
cblr-3006	275	26	industry	industry	NOUN
cblr-3006	275	27	:	:	PUNCT
cblr-3006	275	28	a	a	DET
cblr-3006	275	29	history	history	NOUN
cblr-3006	275	30	17	17	NUM
cblr-3006	275	31	(	(	PUNCT
cblr-3006	275	32	twain	twain	NOUN
cblr-3006	275	33	publishers	publisher	NOUN
cblr-3006	275	34	1990	1990	NUM
cblr-3006	275	35	)	)	PUNCT
cblr-3006	275	36	.	.	PUNCT
cblr-3006	276	1	"	"	PUNCT
cblr-3006	277	1	some	some	DET
cblr-3006	277	2	fixed	fix	VERB
cblr-3006	277	3	costs	cost	NOUN
cblr-3006	277	4	do	do	AUX
cblr-3006	277	5	remain	remain	VERB
cblr-3006	277	6	with	with	ADP
cblr-3006	277	7	the	the	DET
cblr-3006	277	8	retailer	retailer	NOUN
cblr-3006	277	9	,	,	PUNCT
cblr-3006	277	10	such	such	ADJ
cblr-3006	277	11	as	as	ADP
cblr-3006	277	12	the	the	DET
cblr-3006	277	13	costs	cost	NOUN
cblr-3006	277	14	of	of	ADP
cblr-3006	277	15	purchasing	purchase	VERB
cblr-3006	277	16	one	one	NUM
cblr-3006	277	17	or	or	CCONJ
cblr-3006	277	18	more	more	ADJ
cblr-3006	277	19	card	card	NOUN
cblr-3006	277	20	readers	reader	NOUN
cblr-3006	277	21	,	,	PUNCT
cblr-3006	277	22	buying	buy	VERB
cblr-3006	277	23	phone	phone	NOUN
cblr-3006	277	24	lines	line	NOUN
cblr-3006	277	25	,	,	PUNCT
cblr-3006	277	26	and	and	CCONJ
cblr-3006	277	27	training	training	NOUN
cblr-3006	277	28	staff	staff	NOUN
cblr-3006	277	29	.	.	PUNCT
cblr-3006	278	1	most	most	ADJ
cblr-3006	278	2	costs	cost	NOUN
cblr-3006	278	3	to	to	ADP
cblr-3006	278	4	merchants	merchant	NOUN
cblr-3006	278	5	of	of	ADP
cblr-3006	278	6	accepting	accept	VERB
cblr-3006	278	7	payment	payment	NOUN
cblr-3006	278	8	cards	card	NOUN
cblr-3006	278	9	,	,	PUNCT
cblr-3006	278	10	however	however	ADV
cblr-3006	278	11	,	,	PUNCT
cblr-3006	278	12	are	be	AUX
cblr-3006	278	13	variable	variable	ADJ
cblr-3006	278	14	.	.	PUNCT
cblr-3006	279	1	evans	evans	PROPN
cblr-3006	279	2	&	&	CCONJ
cblr-3006	279	3	schmalensee	schmalensee	PROPN
cblr-3006	279	4	,	,	PUNCT
cblr-3006	279	5	supra	supra	PROPN
cblr-3006	279	6	note	note	NOUN
cblr-3006	279	7	2	2	NUM
cblr-3006	279	8	,	,	PUNCT
cblr-3006	279	9	at	at	ADP
cblr-3006	279	10	122	122	NUM
cblr-3006	279	11	.	.	PUNCT
cblr-3006	280	1	[	[	X
cblr-3006	280	2	vol	vol	NOUN
cblr-3006	280	3	.	.	PUNCT
cblr-3006	280	4	2005	2005	NUM
cblr-3006	280	5	flawed	flawed	ADJ
cblr-3006	280	6	action	action	NOUN
cblr-3006	280	7	.	.	PUNCT
cblr-3006	281	1	to	to	PART
cblr-3006	281	2	help	help	VERB
cblr-3006	281	3	the	the	DET
cblr-3006	281	4	reader	reader	NOUN
cblr-3006	281	5	understand	understand	VERB
cblr-3006	281	6	the	the	DET
cblr-3006	281	7	issues	issue	NOUN
cblr-3006	281	8	,	,	PUNCT
cblr-3006	281	9	i	i	PRON
cblr-3006	281	10	begin	begin	VERB
cblr-3006	281	11	with	with	ADP
cblr-3006	281	12	some	some	DET
cblr-3006	281	13	background	background	NOUN
cblr-3006	281	14	on	on	ADP
cblr-3006	281	15	interchange	interchange	NOUN
cblr-3006	281	16	fees	fee	NOUN
cblr-3006	281	17	.	.	PUNCT
cblr-3006	282	1	a.	a.	NOUN
cblr-3006	282	2	the	the	DET
cblr-3006	282	3	origins	origin	NOUN
cblr-3006	282	4	and	and	CCONJ
cblr-3006	282	5	role	role	NOUN
cblr-3006	282	6	of	of	ADP
cblr-3006	282	7	interchange	interchange	NOUN
cblr-3006	282	8	fees	fee	NOUN
cblr-3006	282	9	interchange	interchange	NOUN
cblr-3006	282	10	fees	fee	NOUN
cblr-3006	282	11	arose	arise	VERB
cblr-3006	282	12	from	from	ADP
cblr-3006	282	13	the	the	DET
cblr-3006	282	14	structure	structure	NOUN
cblr-3006	282	15	of	of	ADP
cblr-3006	282	16	the	the	DET
cblr-3006	282	17	visa	visa	NOUN
cblr-3006	282	18	and	and	CCONJ
cblr-3006	282	19	mastercard	mastercard	PROPN
cblr-3006	282	20	networks	network	NOUN
cblr-3006	282	21	.	.	PUNCT
cblr-3006	283	1	bank	bank	PROPN
cblr-3006	283	2	of	of	ADP
cblr-3006	283	3	america	america	PROPN
cblr-3006	283	4	started	start	VERB
cblr-3006	283	5	a	a	DET
cblr-3006	283	6	credit	credit	NOUN
cblr-3006	283	7	card	card	NOUN
cblr-3006	283	8	business	business	NOUN
cblr-3006	283	9	in	in	ADP
cblr-3006	283	10	1958	1958	NUM
cblr-3006	283	11	,	,	PUNCT
cblr-3006	283	12	but	but	CCONJ
cblr-3006	283	13	banking	banking	NOUN
cblr-3006	283	14	regulations	regulation	NOUN
cblr-3006	283	15	prohibiting	prohibit	VERB
cblr-3006	283	16	interstate	interstate	ADJ
cblr-3006	283	17	banking	banking	NOUN
cblr-3006	283	18	prevented	prevent	VERB
cblr-3006	283	19	it	it	PRON
cblr-3006	283	20	from	from	ADP
cblr-3006	283	21	expanding	expand	VERB
cblr-3006	283	22	beyond	beyond	ADP
cblr-3006	283	23	its	its	PRON
cblr-3006	283	24	home	home	NOUN
cblr-3006	283	25	state	state	NOUN
cblr-3006	283	26	of	of	ADP
cblr-3006	283	27	california.4	california.4	PROPN
cblr-3006	283	28	bank	bank	PROPN
cblr-3006	283	29	of	of	ADP
cblr-3006	283	30	america	america	PROPN
cblr-3006	283	31	instead	instead	ADV
cblr-3006	283	32	began	begin	VERB
cblr-3006	283	33	to	to	PART
cblr-3006	283	34	franchise	franchise	VERB
cblr-3006	283	35	its	its	PRON
cblr-3006	283	36	card	card	NOUN
cblr-3006	283	37	brand	brand	NOUN
cblr-3006	283	38	in	in	ADP
cblr-3006	283	39	1966	1966	NUM
cblr-3006	283	40	,	,	PUNCT
cblr-3006	283	41	and	and	CCONJ
cblr-3006	283	42	initially	initially	ADV
cblr-3006	283	43	required	require	VERB
cblr-3006	283	44	that	that	SCONJ
cblr-3006	283	45	acquirers	acquirer	NOUN
cblr-3006	283	46	pay	pay	VERB
cblr-3006	283	47	issuers	issuer	NOUN
cblr-3006	283	48	the	the	DET
cblr-3006	283	49	entire	entire	ADJ
cblr-3006	283	50	merchant	merchant	NOUN
cblr-3006	283	51	discount	discount	NOUN
cblr-3006	283	52	on	on	ADP
cblr-3006	283	53	a	a	DET
cblr-3006	283	54	transaction	transaction	NOUN
cblr-3006	283	55	.	.	PUNCT
cblr-3006	284	1	this	this	DET
cblr-3006	284	2	procedure	procedure	NOUN
cblr-3006	284	3	had	have	VERB
cblr-3006	284	4	obvious	obvious	ADJ
cblr-3006	284	5	problems	problem	NOUN
cblr-3006	284	6	:	:	PUNCT
cblr-3006	284	7	it	it	PRON
cblr-3006	284	8	offered	offer	VERB
cblr-3006	284	9	greater	great	ADJ
cblr-3006	284	10	incentives	incentive	NOUN
cblr-3006	284	11	to	to	PART
cblr-3006	284	12	be	be	AUX
cblr-3006	284	13	an	an	DET
cblr-3006	284	14	issuer	issuer	NOUN
cblr-3006	284	15	than	than	ADP
cblr-3006	284	16	an	an	DET
cblr-3006	284	17	acquirer	acquirer	NOUN
cblr-3006	284	18	,	,	PUNCT
cblr-3006	284	19	because	because	SCONJ
cblr-3006	284	20	the	the	DET
cblr-3006	284	21	acquirer	acquirer	NOUN
cblr-3006	284	22	would	would	AUX
cblr-3006	284	23	receive	receive	VERB
cblr-3006	284	24	no	no	DET
cblr-3006	284	25	net	net	ADJ
cblr-3006	284	26	revenues	revenue	NOUN
cblr-3006	284	27	to	to	PART
cblr-3006	284	28	cover	cover	VERB
cblr-3006	284	29	its	its	PRON
cblr-3006	284	30	costs	cost	NOUN
cblr-3006	284	31	.	.	PUNCT
cblr-3006	285	1	moreover	moreover	ADV
cblr-3006	285	2	,	,	PUNCT
cblr-3006	285	3	negotiations	negotiation	NOUN
cblr-3006	285	4	between	between	ADP
cblr-3006	285	5	the	the	DET
cblr-3006	285	6	acquirers	acquirer	NOUN
cblr-3006	285	7	and	and	CCONJ
cblr-3006	285	8	the	the	DET
cblr-3006	285	9	merchants	merchant	NOUN
cblr-3006	285	10	set	set	VERB
cblr-3006	285	11	the	the	DET
cblr-3006	285	12	discount	discount	NOUN
cblr-3006	285	13	rate	rate	NOUN
cblr-3006	285	14	,	,	PUNCT
cblr-3006	285	15	leading	lead	VERB
cblr-3006	285	16	issuers	issuer	NOUN
cblr-3006	285	17	to	to	PART
cblr-3006	285	18	suspect	suspect	VERB
cblr-3006	285	19	that	that	SCONJ
cblr-3006	285	20	acquirers	acquirer	NOUN
cblr-3006	285	21	did	do	AUX
cblr-3006	285	22	not	not	PART
cblr-3006	285	23	disclose	disclose	VERB
cblr-3006	285	24	and	and	CCONJ
cblr-3006	285	25	remit	remit	VERB
cblr-3006	285	26	the	the	DET
cblr-3006	285	27	full	full	ADJ
cblr-3006	285	28	amount	amount	NOUN
cblr-3006	285	29	owed	owe	VERB
cblr-3006	285	30	.	.	PUNCT
cblr-3006	286	1	in	in	ADP
cblr-3006	286	2	1970	1970	NUM
cblr-3006	286	3	,	,	PUNCT
cblr-3006	286	4	bank	bank	PROPN
cblr-3006	286	5	of	of	ADP
cblr-3006	286	6	america	america	PROPN
cblr-3006	286	7	converted	convert	VERB
cblr-3006	286	8	its	its	PRON
cblr-3006	286	9	franchise	franchise	NOUN
cblr-3006	286	10	system	system	NOUN
cblr-3006	286	11	into	into	ADP
cblr-3006	286	12	a	a	DET
cblr-3006	286	13	member	member	NOUN
cblr-3006	286	14	owned	own	VERB
cblr-3006	286	15	cooperative	cooperative	NOUN
cblr-3006	286	16	,	,	PUNCT
cblr-3006	286	17	which	which	PRON
cblr-3006	286	18	later	later	ADV
cblr-3006	286	19	changed	change	VERB
cblr-3006	286	20	its	its	PRON
cblr-3006	286	21	name	name	NOUN
cblr-3006	286	22	to	to	ADP
cblr-3006	286	23	visa	visa	NOUN
cblr-3006	286	24	.	.	PUNCT
cblr-3006	287	1	since	since	SCONJ
cblr-3006	287	2	then	then	ADV
cblr-3006	287	3	,	,	PUNCT
cblr-3006	287	4	visa	visa	NOUN
cblr-3006	287	5	has	have	AUX
cblr-3006	287	6	pursued	pursue	VERB
cblr-3006	287	7	an	an	DET
cblr-3006	287	8	essentially	essentially	ADV
cblr-3006	287	9	open	open	ADJ
cblr-3006	287	10	membership	membership	NOUN
cblr-3006	287	11	policy	policy	NOUN
cblr-3006	287	12	,	,	PUNCT
cblr-3006	287	13	growing	grow	VERB
cblr-3006	287	14	to	to	ADP
cblr-3006	287	15	21,000	21,000	NUM
cblr-3006	287	16	member	member	NOUN
cblr-3006	287	17	banks.4	banks.4	NOUN
cblr-3006	287	18	"	"	PUNCT
cblr-3006	287	19	facing	face	VERB
cblr-3006	287	20	the	the	DET
cblr-3006	287	21	same	same	ADJ
cblr-3006	287	22	restrictions	restriction	NOUN
cblr-3006	287	23	on	on	ADP
cblr-3006	287	24	multistate	multistate	NOUN
cblr-3006	287	25	banking	banking	NOUN
cblr-3006	287	26	,	,	PUNCT
cblr-3006	287	27	other	other	ADJ
cblr-3006	287	28	banks	bank	NOUN
cblr-3006	287	29	formed	form	VERB
cblr-3006	287	30	mastercard	mastercard	PROPN
cblr-3006	287	31	.	.	PUNCT
cblr-3006	288	1	today	today	NOUN
cblr-3006	288	2	,	,	PUNCT
cblr-3006	288	3	mastercard	mastercard	PROPN
cblr-3006	288	4	comprises	comprise	VERB
cblr-3006	288	5	approximately	approximately	ADV
cblr-3006	288	6	over	over	ADP
cblr-3006	288	7	25,000	25,000	NUM
cblr-3006	288	8	issuers	issuer	NOUN
cblr-3006	288	9	around	around	ADP
cblr-3006	288	10	the	the	DET
cblr-3006	288	11	world.46	world.46	NOUN
cblr-3006	288	12	soon	soon	ADV
cblr-3006	288	13	after	after	ADP
cblr-3006	288	14	1970	1970	NUM
cblr-3006	288	15	,	,	PUNCT
cblr-3006	288	16	visa	visa	NOUN
cblr-3006	288	17	adopted	adopt	VERB
cblr-3006	288	18	a	a	DET
cblr-3006	288	19	fixed	fix	VERB
cblr-3006	288	20	interchange	interchange	NOUN
cblr-3006	288	21	fee	fee	NOUN
cblr-3006	288	22	,	,	PUNCT
cblr-3006	288	23	which	which	PRON
cblr-3006	288	24	was	be	AUX
cblr-3006	288	25	not	not	PART
cblr-3006	288	26	linked	link	VERB
cblr-3006	288	27	to	to	ADP
cblr-3006	288	28	the	the	DET
cblr-3006	288	29	merchant	merchant	NOUN
cblr-3006	288	30	discount	discount	NOUN
cblr-3006	288	31	charged	charge	VERB
cblr-3006	288	32	by	by	ADP
cblr-3006	288	33	individual	individual	ADJ
cblr-3006	288	34	acquirers	acquirer	NOUN
cblr-3006	288	35	.	.	PUNCT
cblr-3006	289	1	a	a	DET
cblr-3006	289	2	uniform	uniform	ADJ
cblr-3006	289	3	fee	fee	NOUN
cblr-3006	289	4	reduced	reduce	VERB
cblr-3006	289	5	the	the	DET
cblr-3006	289	6	transaction	transaction	NOUN
cblr-3006	289	7	costs	cost	NOUN
cblr-3006	289	8	of	of	ADP
cblr-3006	289	9	negotiating	negotiate	VERB
cblr-3006	289	10	separate	separate	ADJ
cblr-3006	289	11	interchange	interchange	NOUN
cblr-3006	289	12	fees	fee	NOUN
cblr-3006	289	13	between	between	ADP
cblr-3006	289	14	acquirers	acquirer	NOUN
cblr-3006	289	15	and	and	CCONJ
cblr-3006	289	16	issuers	issuer	NOUN
cblr-3006	289	17	and	and	CCONJ
cblr-3006	289	18	eliminated	eliminate	VERB
cblr-3006	289	19	the	the	DET
cblr-3006	289	20	difficulties	difficulty	NOUN
cblr-3006	289	21	that	that	PRON
cblr-3006	289	22	"	"	PUNCT
cblr-3006	289	23	howard	howard	PROPN
cblr-3006	289	24	h.	h.	PROPN
cblr-3006	289	25	chang	chang	PROPN
cblr-3006	289	26	,	,	PUNCT
cblr-3006	289	27	interchange	interchange	NOUN
cblr-3006	289	28	fees	fee	NOUN
cblr-3006	289	29	in	in	ADP
cblr-3006	289	30	the	the	DET
cblr-3006	289	31	courts	court	NOUN
cblr-3006	289	32	and	and	CCONJ
cblr-3006	289	33	regulatory	regulatory	ADJ
cblr-3006	289	34	authorities	authority	NOUN
cblr-3006	289	35	,	,	PUNCT
cblr-3006	289	36	1	1	NUM
cblr-3006	289	37	payment	payment	NOUN
cblr-3006	289	38	card	card	NOUN
cblr-3006	289	39	econ	econ	NOUN
cblr-3006	289	40	.	.	PUNCT
cblr-3006	289	41	rev	rev	PROPN
cblr-3006	289	42	.	.	PROPN
cblr-3006	289	43	13	13	NUM
cblr-3006	289	44	,	,	PUNCT
cblr-3006	289	45	17	17	NUM
cblr-3006	289	46	(	(	PUNCT
cblr-3006	289	47	2003	2003	NUM
cblr-3006	289	48	)	)	PUNCT
cblr-3006	289	49	.	.	PUNCT
cblr-3006	290	1	4	4	NUM
cblr-3006	290	2	visa	visa	PROPN
cblr-3006	290	3	usa	usa	PROPN
cblr-3006	290	4	,	,	PUNCT
cblr-3006	290	5	http://www.usa.visa.com/about	http://www.usa.visa.com/about	VERB
cblr-3006	290	6	visa	visa	NOUN
cblr-3006	290	7	/	/	SYM
cblr-3006	290	8	about	about	ADP
cblr-3006	290	9	-	-	PUNCT
cblr-3006	290	10	visausa/	visausa/	NUM
cblr-3006	290	11	index.html?it=fl/index%2ehtml	index.html?it=fl/index%2ehtml	PUNCT
cblr-3006	290	12	i	i	PRON
cblr-3006	290	13	about%2ovisa%20u.s.a	about%2ovisa%20u.s.a	NOUN
cblr-3006	290	14	.	.	PUNCT
cblr-3006	291	1	(	(	PUNCT
cblr-3006	291	2	last	last	ADV
cblr-3006	291	3	visited	visit	VERB
cblr-3006	291	4	oct	oct	PROPN
cblr-3006	291	5	.	.	PROPN
cblr-3006	291	6	25	25	NUM
cblr-3006	291	7	,	,	PUNCT
cblr-3006	291	8	2005	2005	NUM
cblr-3006	291	9	)	)	PUNCT
cblr-3006	291	10	.	.	PUNCT
cblr-3006	292	1	46	46	NUM
cblr-3006	292	2	mastercard	mastercard	PROPN
cblr-3006	292	3	company	company	PROPN
cblr-3006	292	4	fact	fact	NOUN
cblr-3006	292	5	sheet	sheet	NOUN
cblr-3006	292	6	,	,	PUNCT
cblr-3006	292	7	http://www.mastercard	http://www.mastercard	ADV
cblr-3006	292	8	international.com/newsroom/company-fact.html	international.com/newsroom/company-fact.html	PROPN
cblr-3006	292	9	(	(	PUNCT
cblr-3006	292	10	last	last	ADV
cblr-3006	292	11	visited	visit	VERB
cblr-3006	292	12	oct	oct	PROPN
cblr-3006	292	13	.	.	PROPN
cblr-3006	292	14	25	25	NUM
cblr-3006	292	15	,	,	PUNCT
cblr-3006	292	16	2005	2005	NUM
cblr-3006	292	17	)	)	PUNCT
cblr-3006	292	18	.	.	PUNCT
cblr-3006	293	1	the	the	DET
cblr-3006	293	2	economics	economic	NOUN
cblr-3006	293	3	of	of	ADP
cblr-3006	293	4	two	two	NUM
cblr-3006	293	5	-	-	PUNCT
cblr-3006	293	6	sided	sided	ADJ
cblr-3006	293	7	amrketsno	amrketsno	NOUN
cblr-3006	293	8	.	.	PUNCT
cblr-3006	294	1	3:5151	3:5151	NUM
cblr-3006	294	2	columbia	columbia	PROPN
cblr-3006	294	3	business	business	PROPN
cblr-3006	294	4	la	la	PROPN
cblr-3006	294	5	w	w	PROPN
cblr-3006	294	6	review	review	NOUN
cblr-3006	294	7	issuers	issuer	NOUN
cblr-3006	294	8	faced	face	VERB
cblr-3006	294	9	in	in	ADP
cblr-3006	294	10	monitoring	monitor	VERB
cblr-3006	294	11	the	the	DET
cblr-3006	294	12	merchant	merchant	NOUN
cblr-3006	294	13	discounts	discount	NOUN
cblr-3006	294	14	set	set	VERB
cblr-3006	294	15	by	by	ADP
cblr-3006	294	16	acquirers	acquirer	NOUN
cblr-3006	294	17	.	.	PUNCT
cblr-3006	295	1	given	give	VERB
cblr-3006	295	2	the	the	DET
cblr-3006	295	3	need	need	NOUN
cblr-3006	295	4	for	for	SCONJ
cblr-3006	295	5	merchants	merchant	NOUN
cblr-3006	295	6	to	to	PART
cblr-3006	295	7	honor	honor	VERB
cblr-3006	295	8	cards	card	NOUN
cblr-3006	295	9	from	from	ADP
cblr-3006	295	10	each	each	PRON
cblr-3006	295	11	of	of	ADP
cblr-3006	295	12	the	the	DET
cblr-3006	295	13	thousands	thousand	NOUN
cblr-3006	295	14	of	of	ADP
cblr-3006	295	15	issuers	issuer	NOUN
cblr-3006	295	16	,	,	PUNCT
cblr-3006	295	17	a	a	DET
cblr-3006	295	18	systemwide	systemwide	ADJ
cblr-3006	295	19	fee	fee	NOUN
cblr-3006	295	20	also	also	ADV
cblr-3006	295	21	avoided	avoid	VERB
cblr-3006	295	22	the	the	DET
cblr-3006	295	23	costs	cost	NOUN
cblr-3006	295	24	of	of	ADP
cblr-3006	295	25	the	the	DET
cblr-3006	295	26	"	"	PUNCT
cblr-3006	295	27	hold	hold	VERB
cblr-3006	295	28	up	up	ADP
cblr-3006	295	29	"	"	PUNCT
cblr-3006	295	30	problem	problem	NOUN
cblr-3006	295	31	created	create	VERB
cblr-3006	295	32	by	by	ADP
cblr-3006	295	33	individual	individual	ADJ
cblr-3006	295	34	issuers	issuer	NOUN
cblr-3006	295	35	demanding	demand	VERB
cblr-3006	295	36	higher	high	ADJ
cblr-3006	295	37	interchange	interchange	NOUN
cblr-3006	295	38	fees	fee	NOUN
cblr-3006	295	39	in	in	ADP
cblr-3006	295	40	any	any	DET
cblr-3006	295	41	bilateral	bilateral	ADJ
cblr-3006	295	42	negotiation.47	negotiation.47	NOUN
cblr-3006	295	43	thus	thus	ADV
cblr-3006	295	44	,	,	PUNCT
cblr-3006	295	45	the	the	DET
cblr-3006	295	46	essential	essential	ADJ
cblr-3006	295	47	structure	structure	NOUN
cblr-3006	295	48	,	,	PUNCT
cblr-3006	295	49	comprising	comprise	VERB
cblr-3006	295	50	a	a	DET
cblr-3006	295	51	merchant	merchant	NOUN
cblr-3006	295	52	discount	discount	NOUN
cblr-3006	295	53	that	that	PRON
cblr-3006	295	54	provided	provide	VERB
cblr-3006	295	55	revenues	revenue	NOUN
cblr-3006	295	56	for	for	ADP
cblr-3006	295	57	the	the	DET
cblr-3006	295	58	acquirer	acquirer	NOUN
cblr-3006	295	59	bank	bank	PROPN
cblr-3006	295	60	and	and	CCONJ
cblr-3006	295	61	included	include	VERB
cblr-3006	295	62	the	the	DET
cblr-3006	295	63	interchange	interchange	NOUN
cblr-3006	295	64	fee	fee	NOUN
cblr-3006	295	65	,	,	PUNCT
cblr-3006	295	66	was	be	AUX
cblr-3006	295	67	in	in	ADP
cblr-3006	295	68	place	place	NOUN
cblr-3006	295	69	from	from	ADP
cblr-3006	295	70	almost	almost	ADV
cblr-3006	295	71	the	the	DET
cblr-3006	295	72	very	very	ADJ
cblr-3006	295	73	beginning	beginning	NOUN
cblr-3006	295	74	,	,	PUNCT
cblr-3006	295	75	long	long	ADV
cblr-3006	295	76	before	before	SCONJ
cblr-3006	295	77	visa	visa	NOUN
cblr-3006	295	78	and	and	CCONJ
cblr-3006	295	79	mastercard	mastercard	PROPN
cblr-3006	295	80	possibly	possibly	ADV
cblr-3006	295	81	had	have	VERB
cblr-3006	295	82	any	any	DET
cblr-3006	295	83	market	market	NOUN
cblr-3006	295	84	power	power	NOUN
cblr-3006	295	85	.	.	PUNCT
cblr-3006	296	1	in	in	ADP
cblr-3006	296	2	fact	fact	NOUN
cblr-3006	296	3	,	,	PUNCT
cblr-3006	296	4	the	the	DET
cblr-3006	296	5	early	early	ADJ
cblr-3006	296	6	emergence	emergence	NOUN
cblr-3006	296	7	of	of	ADP
cblr-3006	296	8	the	the	DET
cblr-3006	296	9	interchange	interchange	NOUN
cblr-3006	296	10	fee	fee	NOUN
cblr-3006	296	11	and	and	CCONJ
cblr-3006	296	12	its	its	PRON
cblr-3006	296	13	continued	continue	VERB
cblr-3006	296	14	presence	presence	NOUN
cblr-3006	296	15	in	in	ADP
cblr-3006	296	16	the	the	DET
cblr-3006	296	17	payment	payment	NOUN
cblr-3006	296	18	card	card	NOUN
cblr-3006	296	19	industry	industry	NOUN
cblr-3006	296	20	testify	testify	VERB
cblr-3006	296	21	to	to	ADP
cblr-3006	296	22	the	the	DET
cblr-3006	296	23	inherent	inherent	ADJ
cblr-3006	296	24	logic	logic	NOUN
cblr-3006	296	25	of	of	ADP
cblr-3006	296	26	interchange	interchange	NOUN
cblr-3006	296	27	fees	fee	NOUN
cblr-3006	296	28	in	in	ADP
cblr-3006	296	29	equilibrating	equilibrate	VERB
cblr-3006	296	30	the	the	DET
cblr-3006	296	31	two	two	NUM
cblr-3006	296	32	sides	side	NOUN
cblr-3006	296	33	of	of	ADP
cblr-3006	296	34	the	the	DET
cblr-3006	296	35	market	market	NOUN
cblr-3006	296	36	.	.	PUNCT
cblr-3006	297	1	indeed	indeed	ADV
cblr-3006	297	2	,	,	PUNCT
cblr-3006	297	3	both	both	PRON
cblr-3006	297	4	american	american	ADJ
cblr-3006	297	5	express	express	VERB
cblr-3006	297	6	and	and	CCONJ
cblr-3006	297	7	discover	discover	VERB
cblr-3006	297	8	use	use	NOUN
cblr-3006	297	9	merchant	merchant	NOUN
cblr-3006	297	10	discounts	discount	NOUN
cblr-3006	297	11	in	in	ADP
cblr-3006	297	12	the	the	DET
cblr-3006	297	13	same	same	ADJ
cblr-3006	297	14	manner	manner	NOUN
cblr-3006	297	15	as	as	ADP
cblr-3006	297	16	the	the	DET
cblr-3006	297	17	cooperatives	cooperative	NOUN
cblr-3006	297	18	to	to	PART
cblr-3006	297	19	solve	solve	VERB
cblr-3006	297	20	the	the	DET
cblr-3006	297	21	problem	problem	NOUN
cblr-3006	297	22	of	of	ADP
cblr-3006	297	23	simultaneously	simultaneously	ADV
cblr-3006	297	24	coordinating	coordinate	VERB
cblr-3006	297	25	the	the	DET
cblr-3006	297	26	two	two	NUM
cblr-3006	297	27	sides	side	NOUN
cblr-3006	297	28	of	of	ADP
cblr-3006	297	29	the	the	DET
cblr-3006	297	30	market	market	NOUN
cblr-3006	297	31	.	.	PUNCT
cblr-3006	298	1	in	in	ADP
cblr-3006	298	2	1979	1979	NUM
cblr-3006	298	3	,	,	PUNCT
cblr-3006	298	4	national	national	PROPN
cblr-3006	298	5	bancard	bancard	PROPN
cblr-3006	298	6	corporation	corporation	PROPN
cblr-3006	298	7	sued	sue	VERB
cblr-3006	298	8	visa	visa	NOUN
cblr-3006	298	9	,	,	PUNCT
cblr-3006	298	10	claiming	claim	VERB
cblr-3006	298	11	that	that	SCONJ
cblr-3006	298	12	setting	set	VERB
cblr-3006	298	13	the	the	DET
cblr-3006	298	14	interchange	interchange	NOUN
cblr-3006	298	15	fee	fee	NOUN
cblr-3006	298	16	fixed	fix	VERB
cblr-3006	298	17	prices	price	NOUN
cblr-3006	298	18	in	in	ADP
cblr-3006	298	19	violation	violation	NOUN
cblr-3006	298	20	of	of	ADP
cblr-3006	298	21	the	the	DET
cblr-3006	298	22	antitrust	antitrust	ADJ
cblr-3006	298	23	laws.4	laws.4	PROPN
cblr-3006	298	24	ruling	rule	VERB
cblr-3006	298	25	for	for	ADP
cblr-3006	298	26	visa	visa	NOUN
cblr-3006	298	27	,	,	PUNCT
cblr-3006	298	28	the	the	DET
cblr-3006	298	29	eleventh	eleventh	ADJ
cblr-3006	298	30	circuit	circuit	NOUN
cblr-3006	298	31	noted	note	VERB
cblr-3006	298	32	that	that	SCONJ
cblr-3006	298	33	there	there	PRON
cblr-3006	298	34	were	be	VERB
cblr-3006	298	35	two	two	NUM
cblr-3006	298	36	possible	possible	ADJ
cblr-3006	298	37	sources	source	NOUN
cblr-3006	298	38	of	of	ADP
cblr-3006	298	39	revenue	revenue	NOUN
cblr-3006	298	40	within	within	ADP
cblr-3006	298	41	the	the	DET
cblr-3006	298	42	visa	visa	NOUN
cblr-3006	298	43	system	system	NOUN
cblr-3006	298	44	-	-	PUNCT
cblr-3006	298	45	cardholders	cardholder	NOUN
cblr-3006	298	46	and	and	CCONJ
cblr-3006	298	47	merchants	merchant	NOUN
cblr-3006	298	48	-	-	PUNCT
cblr-3006	298	49	and	and	CCONJ
cblr-3006	298	50	that	that	SCONJ
cblr-3006	298	51	it	it	PRON
cblr-3006	298	52	was	be	AUX
cblr-3006	298	53	necessary	necessary	ADJ
cblr-3006	298	54	to	to	PART
cblr-3006	298	55	balance	balance	VERB
cblr-3006	298	56	the	the	DET
cblr-3006	298	57	two	two	NUM
cblr-3006	298	58	sides	side	NOUN
cblr-3006	298	59	.	.	PUNCT
cblr-3006	299	1	"	"	PUNCT
cblr-3006	299	2	as	as	ADP
cblr-3006	299	3	a	a	DET
cblr-3006	299	4	practical	practical	ADJ
cblr-3006	299	5	matter	matter	NOUN
cblr-3006	299	6	,	,	PUNCT
cblr-3006	299	7	"	"	PUNCT
cblr-3006	299	8	the	the	DET
cblr-3006	299	9	court	court	NOUN
cblr-3006	299	10	observed	observe	VERB
cblr-3006	299	11	,	,	PUNCT
cblr-3006	299	12	"	"	PUNCT
cblr-3006	299	13	the	the	DET
cblr-3006	299	14	cardissuing	cardissue	VERB
cblr-3006	299	15	and	and	CCONJ
cblr-3006	299	16	merchant	merchant	NOUN
cblr-3006	299	17	-	-	PUNCT
cblr-3006	299	18	signing	signing	NOUN
cblr-3006	299	19	members	member	NOUN
cblr-3006	299	20	have	have	VERB
cblr-3006	299	21	a	a	DET
cblr-3006	299	22	mutually	mutually	ADV
cblr-3006	299	23	dependent	dependent	ADJ
cblr-3006	299	24	relationship	relationship	NOUN
cblr-3006	299	25	....	....	PUNCT
cblr-3006	299	26	in	in	ADP
cblr-3006	299	27	short	short	ADJ
cblr-3006	299	28	,	,	PUNCT
cblr-3006	299	29	the	the	DET
cblr-3006	299	30	cardholder	cardholder	NOUN
cblr-3006	299	31	can	can	AUX
cblr-3006	299	32	not	not	PART
cblr-3006	299	33	use	use	VERB
cblr-3006	299	34	his	his	PRON
cblr-3006	299	35	card	card	NOUN
cblr-3006	299	36	unless	unless	SCONJ
cblr-3006	299	37	the	the	DET
cblr-3006	299	38	merchant	merchant	NOUN
cblr-3006	299	39	accepts	accept	VERB
cblr-3006	299	40	it	it	PRON
cblr-3006	299	41	and	and	CCONJ
cblr-3006	299	42	the	the	DET
cblr-3006	299	43	merchant	merchant	NOUN
cblr-3006	299	44	can	can	AUX
cblr-3006	299	45	not	not	PART
cblr-3006	299	46	accept	accept	VERB
cblr-3006	299	47	the	the	DET
cblr-3006	299	48	card	card	NOUN
cblr-3006	299	49	unless	unless	SCONJ
cblr-3006	299	50	the	the	DET
cblr-3006	299	51	cardholder	cardholder	NOUN
cblr-3006	299	52	uses	use	VERB
cblr-3006	299	53	one	one	NUM
cblr-3006	299	54	.	.	PUNCT
cblr-3006	300	1	"49	"49	VERB
cblr-3006	300	2	the	the	DET
cblr-3006	300	3	court	court	NOUN
cblr-3006	300	4	recognized	recognize	VERB
cblr-3006	300	5	the	the	DET
cblr-3006	300	6	procompetitive	procompetitive	ADJ
cblr-3006	300	7	role	role	NOUN
cblr-3006	300	8	of	of	ADP
cblr-3006	300	9	interchange	interchange	NOUN
cblr-3006	300	10	fees	fee	NOUN
cblr-3006	300	11	in	in	ADP
cblr-3006	300	12	coordinating	coordinate	VERB
cblr-3006	300	13	the	the	DET
cblr-3006	300	14	two	two	NUM
cblr-3006	300	15	sides	side	NOUN
cblr-3006	300	16	and	and	CCONJ
cblr-3006	300	17	found	find	VERB
cblr-3006	300	18	that	that	SCONJ
cblr-3006	300	19	the	the	DET
cblr-3006	300	20	competitive	competitive	ADJ
cblr-3006	300	21	restraint	restraint	NOUN
cblr-3006	300	22	was	be	AUX
cblr-3006	300	23	no	no	ADV
cblr-3006	300	24	broader	broad	ADJ
cblr-3006	300	25	than	than	SCONJ
cblr-3006	300	26	required	require	VERB
cblr-3006	300	27	.	.	PUNCT
cblr-3006	301	1	as	as	SCONJ
cblr-3006	301	2	noted	note	VERB
cblr-3006	301	3	above	above	ADV
cblr-3006	301	4	,	,	PUNCT
cblr-3006	301	5	in	in	ADP
cblr-3006	301	6	two	two	NUM
cblr-3006	301	7	-	-	PUNCT
cblr-3006	301	8	sided	sided	ADJ
cblr-3006	301	9	markets	market	NOUN
cblr-3006	301	10	,	,	PUNCT
cblr-3006	301	11	pricing	pricing	NOUN
cblr-3006	301	12	incentives	incentive	NOUN
cblr-3006	301	13	draw	draw	VERB
cblr-3006	301	14	a	a	DET
cblr-3006	301	15	critical	critical	ADJ
cblr-3006	301	16	mass	mass	NOUN
cblr-3006	301	17	of	of	ADP
cblr-3006	301	18	participants	participant	NOUN
cblr-3006	301	19	to	to	ADP
cblr-3006	301	20	one	one	NUM
cblr-3006	301	21	side	side	NOUN
cblr-3006	301	22	of	of	ADP
cblr-3006	301	23	the	the	DET
cblr-3006	301	24	market	market	NOUN
cblr-3006	301	25	,	,	PUNCT
cblr-3006	301	26	which	which	PRON
cblr-3006	301	27	then	then	ADV
cblr-3006	301	28	calls	call	VERB
cblr-3006	301	29	forth	forth	ADP
cblr-3006	301	30	supply	supply	NOUN
cblr-3006	301	31	on	on	ADP
cblr-3006	301	32	the	the	DET
cblr-3006	301	33	other	other	ADJ
cblr-3006	301	34	side	side	NOUN
cblr-3006	301	35	.	.	PUNCT
cblr-3006	302	1	unlike	unlike	ADP
cblr-3006	302	2	41	41	NUM
cblr-3006	302	3	see	see	NOUN
cblr-3006	302	4	klein	klein	PROPN
cblr-3006	302	5	et	et	PROPN
cblr-3006	302	6	al	al	PROPN
cblr-3006	302	7	.	.	PROPN
cblr-3006	302	8	,	,	PUNCT
cblr-3006	302	9	supra	supra	PROPN
cblr-3006	302	10	note	note	NOUN
cblr-3006	302	11	2	2	NUM
cblr-3006	302	12	,	,	PUNCT
cblr-3006	302	13	at	at	ADP
cblr-3006	302	14	23	23	NUM
cblr-3006	302	15	-	-	SYM
cblr-3006	302	16	36	36	NUM
cblr-3006	302	17	.	.	PUNCT
cblr-3006	303	1	4	4	NUM
cblr-3006	303	2	'	'	PART
cblr-3006	303	3	nat'l	nat'l	PROPN
cblr-3006	303	4	bancard	bancard	PROPN
cblr-3006	303	5	corp	corp	PROPN
cblr-3006	303	6	.	.	PROPN
cblr-3006	303	7	v.	v.	ADP
cblr-3006	303	8	visa	visa	PROPN
cblr-3006	303	9	u.s.a	u.s.a	PROPN
cblr-3006	303	10	.	.	PROPN
cblr-3006	303	11	,	,	PUNCT
cblr-3006	303	12	inc	inc	PROPN
cblr-3006	303	13	.	.	PROPN
cblr-3006	303	14	,	,	PUNCT
cblr-3006	303	15	779	779	NUM
cblr-3006	303	16	f.2d	f.2d	ADP
cblr-3006	303	17	592	592	NUM
cblr-3006	303	18	(	(	PUNCT
cblr-3006	303	19	11th	11th	ADJ
cblr-3006	303	20	cir	cir	NOUN
cblr-3006	303	21	.	.	PUNCT
cblr-3006	303	22	1986	1986	NUM
cblr-3006	303	23	)	)	PUNCT
cblr-3006	303	24	.	.	PUNCT
cblr-3006	304	1	49	49	NUM
cblr-3006	305	1	i	i	PRON
cblr-3006	305	2	d.	d.	PROPN
cblr-3006	305	3	at	at	ADP
cblr-3006	305	4	602	602	NUM
cblr-3006	305	5	.	.	PUNCT
cblr-3006	306	1	[	[	X
cblr-3006	306	2	vol	vol	NOUN
cblr-3006	306	3	.	.	PUNCT
cblr-3006	306	4	2005	2005	NUM
cblr-3006	306	5	suppliers	supplier	NOUN
cblr-3006	306	6	to	to	ADP
cblr-3006	306	7	one	one	NUM
cblr-3006	306	8	-	-	PUNCT
cblr-3006	306	9	sided	sided	ADJ
cblr-3006	306	10	markets	market	NOUN
cblr-3006	306	11	,	,	PUNCT
cblr-3006	306	12	who	who	PRON
cblr-3006	306	13	focus	focus	VERB
cblr-3006	306	14	on	on	ADP
cblr-3006	306	15	maximizing	maximize	VERB
cblr-3006	306	16	output	output	NOUN
cblr-3006	306	17	at	at	ADP
cblr-3006	306	18	a	a	DET
cblr-3006	306	19	minimum	minimum	ADJ
cblr-3006	306	20	cost	cost	NOUN
cblr-3006	306	21	,	,	PUNCT
cblr-3006	306	22	suppliers	supplier	NOUN
cblr-3006	306	23	to	to	ADP
cblr-3006	306	24	two	two	NUM
cblr-3006	306	25	-	-	PUNCT
cblr-3006	306	26	sided	side	VERB
cblr-3006	306	27	markets	market	NOUN
cblr-3006	306	28	must	must	AUX
cblr-3006	306	29	balance	balance	VERB
cblr-3006	306	30	both	both	DET
cblr-3006	306	31	sides	side	NOUN
cblr-3006	306	32	.	.	PUNCT
cblr-3006	307	1	the	the	DET
cblr-3006	307	2	visa	visa	NOUN
cblr-3006	307	3	and	and	CCONJ
cblr-3006	307	4	mastercard	mastercard	PROPN
cblr-3006	307	5	systems	system	NOUN
cblr-3006	307	6	coordinate	coordinate	VERB
cblr-3006	307	7	the	the	DET
cblr-3006	307	8	consumer	consumer	NOUN
cblr-3006	307	9	and	and	CCONJ
cblr-3006	307	10	merchant	merchant	NOUN
cblr-3006	307	11	sides	side	NOUN
cblr-3006	307	12	of	of	ADP
cblr-3006	307	13	the	the	DET
cblr-3006	307	14	market	market	NOUN
cblr-3006	307	15	,	,	PUNCT
cblr-3006	307	16	and	and	CCONJ
cblr-3006	307	17	the	the	DET
cblr-3006	307	18	interchange	interchange	NOUN
cblr-3006	307	19	fee	fee	NOUN
cblr-3006	307	20	balances	balance	NOUN
cblr-3006	307	21	demand	demand	NOUN
cblr-3006	307	22	on	on	ADP
cblr-3006	307	23	both	both	DET
cblr-3006	307	24	sides	side	NOUN
cblr-3006	307	25	.	.	PUNCT
cblr-3006	308	1	the	the	PRON
cblr-3006	308	2	higher	high	ADJ
cblr-3006	308	3	the	the	DET
cblr-3006	308	4	fee	fee	NOUN
cblr-3006	308	5	,	,	PUNCT
cblr-3006	308	6	the	the	PRON
cblr-3006	308	7	greater	great	ADJ
cblr-3006	308	8	the	the	DET
cblr-3006	308	9	incentive	incentive	NOUN
cblr-3006	308	10	for	for	SCONJ
cblr-3006	308	11	issuers	issuer	NOUN
cblr-3006	308	12	to	to	PART
cblr-3006	308	13	expand	expand	VERB
cblr-3006	308	14	consumer	consumer	NOUN
cblr-3006	308	15	demand	demand	NOUN
cblr-3006	308	16	for	for	ADP
cblr-3006	308	17	credit	credit	NOUN
cblr-3006	308	18	cards	card	NOUN
cblr-3006	308	19	through	through	ADP
cblr-3006	308	20	lower	low	ADJ
cblr-3006	308	21	prices	price	NOUN
cblr-3006	308	22	.	.	PUNCT
cblr-3006	309	1	because	because	SCONJ
cblr-3006	309	2	of	of	ADP
cblr-3006	309	3	the	the	DET
cblr-3006	309	4	extraordinary	extraordinary	ADJ
cblr-3006	309	5	level	level	NOUN
cblr-3006	309	6	of	of	ADP
cblr-3006	309	7	competition	competition	NOUN
cblr-3006	309	8	in	in	ADP
cblr-3006	309	9	the	the	DET
cblr-3006	309	10	consumer	consumer	NOUN
cblr-3006	309	11	market	market	NOUN
cblr-3006	309	12	-	-	PUNCT
cblr-3006	309	13	including	include	VERB
cblr-3006	309	14	some	some	DET
cblr-3006	309	15	21,000	21,000	NUM
cblr-3006	309	16	visa	visa	NOUN
cblr-3006	309	17	and	and	CCONJ
cblr-3006	309	18	25,000	25,000	NUM
cblr-3006	309	19	mastercard	mastercard	PROPN
cblr-3006	309	20	issuers	issuer	NOUN
cblr-3006	309	21	-	-	PUNCT
cblr-3006	309	22	there	there	PRON
cblr-3006	309	23	is	be	VERB
cblr-3006	309	24	an	an	DET
cblr-3006	309	25	overwhelming	overwhelming	ADJ
cblr-3006	309	26	incentive	incentive	NOUN
cblr-3006	309	27	for	for	SCONJ
cblr-3006	309	28	issuers	issuer	NOUN
cblr-3006	309	29	to	to	PART
cblr-3006	309	30	pass	pass	VERB
cblr-3006	309	31	increases	increase	NOUN
cblr-3006	309	32	in	in	ADP
cblr-3006	309	33	their	their	PRON
cblr-3006	309	34	interchange	interchange	NOUN
cblr-3006	309	35	fees	fee	NOUN
cblr-3006	309	36	on	on	ADP
cblr-3006	309	37	to	to	ADP
cblr-3006	309	38	consumers	consumer	NOUN
cblr-3006	309	39	.	.	PUNCT
cblr-3006	310	1	thus	thus	ADV
cblr-3006	310	2	,	,	PUNCT
cblr-3006	310	3	higher	high	ADJ
cblr-3006	310	4	interchange	interchange	NOUN
cblr-3006	310	5	fees	fee	NOUN
cblr-3006	310	6	(	(	PUNCT
cblr-3006	310	7	and	and	CCONJ
cblr-3006	310	8	correspondingly	correspondingly	ADV
cblr-3006	310	9	higher	high	ADJ
cblr-3006	310	10	merchant	merchant	NOUN
cblr-3006	310	11	discounts	discount	NOUN
cblr-3006	310	12	)	)	PUNCT
cblr-3006	310	13	expand	expand	VERB
cblr-3006	310	14	the	the	DET
cblr-3006	310	15	number	number	NOUN
cblr-3006	310	16	of	of	ADP
cblr-3006	310	17	consumers	consumer	NOUN
cblr-3006	310	18	carrying	carry	VERB
cblr-3006	310	19	and	and	CCONJ
cblr-3006	310	20	using	use	VERB
cblr-3006	310	21	a	a	DET
cblr-3006	310	22	given	give	VERB
cblr-3006	310	23	card	card	NOUN
cblr-3006	310	24	.	.	PUNCT
cblr-3006	311	1	by	by	ADP
cblr-3006	311	2	contrast	contrast	NOUN
cblr-3006	311	3	,	,	PUNCT
cblr-3006	311	4	lower	low	ADJ
cblr-3006	311	5	interchange	interchange	NOUN
cblr-3006	311	6	fees	fee	NOUN
cblr-3006	311	7	and	and	CCONJ
cblr-3006	311	8	lower	low	ADJ
cblr-3006	311	9	merchant	merchant	NOUN
cblr-3006	311	10	discount	discount	NOUN
cblr-3006	311	11	rates	rate	NOUN
cblr-3006	311	12	reduce	reduce	VERB
cblr-3006	311	13	the	the	DET
cblr-3006	311	14	costs	cost	NOUN
cblr-3006	311	15	to	to	ADP
cblr-3006	311	16	merchants	merchant	NOUN
cblr-3006	311	17	of	of	ADP
cblr-3006	311	18	accepting	accept	VERB
cblr-3006	311	19	the	the	DET
cblr-3006	311	20	card	card	NOUN
cblr-3006	311	21	;	;	PUNCT
cblr-3006	311	22	thus	thus	ADV
cblr-3006	311	23	,	,	PUNCT
cblr-3006	311	24	lower	low	ADJ
cblr-3006	311	25	discounts	discount	NOUN
cblr-3006	311	26	increase	increase	VERB
cblr-3006	311	27	merchant	merchant	NOUN
cblr-3006	311	28	willingness	willingness	NOUN
cblr-3006	311	29	to	to	PART
cblr-3006	311	30	accept	accept	VERB
cblr-3006	311	31	the	the	DET
cblr-3006	311	32	card	card	NOUN
cblr-3006	311	33	.	.	PUNCT
cblr-3006	312	1	in	in	ADP
cblr-3006	312	2	a	a	DET
cblr-3006	312	3	seminal	seminal	ADJ
cblr-3006	312	4	1983	1983	NUM
cblr-3006	312	5	article	article	NOUN
cblr-3006	312	6	,	,	PUNCT
cblr-3006	312	7	william	william	PROPN
cblr-3006	312	8	baxter	baxter	PROPN
cblr-3006	312	9	discussed	discuss	VERB
cblr-3006	312	10	how	how	SCONJ
cblr-3006	312	11	both	both	DET
cblr-3006	312	12	demand	demand	NOUN
cblr-3006	312	13	and	and	CCONJ
cblr-3006	312	14	supply	supply	NOUN
cblr-3006	312	15	must	must	AUX
cblr-3006	312	16	be	be	AUX
cblr-3006	312	17	generated	generate	VERB
cblr-3006	312	18	jointly	jointly	ADV
cblr-3006	312	19	in	in	ADP
cblr-3006	312	20	a	a	DET
cblr-3006	312	21	visa	visa	NOUN
cblr-3006	312	22	or	or	CCONJ
cblr-3006	312	23	mastercard	mastercard	PROPN
cblr-3006	312	24	transaction	transaction	NOUN
cblr-3006	312	25	.	.	PUNCT
cblr-3006	313	1	50	50	NUM
cblr-3006	313	2	both	both	CCONJ
cblr-3006	313	3	the	the	DET
cblr-3006	313	4	purchaser	purchaser	NOUN
cblr-3006	313	5	and	and	CCONJ
cblr-3006	313	6	the	the	DET
cblr-3006	313	7	merchant	merchant	NOUN
cblr-3006	313	8	consume	consume	VERB
cblr-3006	313	9	the	the	DET
cblr-3006	313	10	payment	payment	NOUN
cblr-3006	313	11	card	card	NOUN
cblr-3006	313	12	services	service	NOUN
cblr-3006	313	13	,	,	PUNCT
cblr-3006	313	14	which	which	PRON
cblr-3006	313	15	issuing	issue	VERB
cblr-3006	313	16	and	and	CCONJ
cblr-3006	313	17	acquiring	acquire	VERB
cblr-3006	313	18	banks	bank	NOUN
cblr-3006	313	19	supply	supply	VERB
cblr-3006	313	20	together	together	ADV
cblr-3006	313	21	(	(	PUNCT
cblr-3006	313	22	although	although	SCONJ
cblr-3006	313	23	in	in	ADP
cblr-3006	313	24	the	the	DET
cblr-3006	313	25	american	american	PROPN
cblr-3006	313	26	express	express	VERB
cblr-3006	313	27	and	and	CCONJ
cblr-3006	313	28	discover	discover	VERB
cblr-3006	313	29	systems	system	NOUN
cblr-3006	313	30	,	,	PUNCT
cblr-3006	313	31	one	one	NUM
cblr-3006	313	32	party	party	NOUN
cblr-3006	313	33	performs	perform	VERB
cblr-3006	313	34	both	both	DET
cblr-3006	313	35	functions	function	NOUN
cblr-3006	313	36	)	)	PUNCT
cblr-3006	313	37	.	.	PUNCT
cblr-3006	314	1	yet	yet	ADV
cblr-3006	314	2	,	,	PUNCT
cblr-3006	314	3	none	none	NOUN
cblr-3006	314	4	of	of	ADP
cblr-3006	314	5	the	the	DET
cblr-3006	314	6	parties	party	NOUN
cblr-3006	314	7	will	will	AUX
cblr-3006	314	8	participate	participate	VERB
cblr-3006	314	9	unless	unless	SCONJ
cblr-3006	314	10	the	the	DET
cblr-3006	314	11	individual	individual	ADJ
cblr-3006	314	12	benefit	benefit	NOUN
cblr-3006	314	13	to	to	ADP
cblr-3006	314	14	each	each	PRON
cblr-3006	314	15	exceeds	exceed	NOUN
cblr-3006	314	16	its	its	PRON
cblr-3006	314	17	individual	individual	ADJ
cblr-3006	314	18	marginal	marginal	ADJ
cblr-3006	314	19	cost	cost	NOUN
cblr-3006	314	20	.	.	PUNCT
cblr-3006	315	1	if	if	SCONJ
cblr-3006	315	2	the	the	DET
cblr-3006	315	3	overall	overall	ADJ
cblr-3006	315	4	transaction	transaction	NOUN
cblr-3006	315	5	produces	produce	VERB
cblr-3006	315	6	sufficient	sufficient	ADJ
cblr-3006	315	7	benefits	benefit	NOUN
cblr-3006	315	8	to	to	PART
cblr-3006	315	9	cover	cover	VERB
cblr-3006	315	10	the	the	DET
cblr-3006	315	11	total	total	ADJ
cblr-3006	315	12	transaction	transaction	NOUN
cblr-3006	315	13	costs	cost	NOUN
cblr-3006	315	14	,	,	PUNCT
cblr-3006	315	15	there	there	PRON
cblr-3006	315	16	are	be	VERB
cblr-3006	315	17	many	many	ADJ
cblr-3006	315	18	possible	possible	ADJ
cblr-3006	315	19	ways	way	NOUN
cblr-3006	315	20	that	that	PRON
cblr-3006	315	21	the	the	DET
cblr-3006	315	22	costs	cost	NOUN
cblr-3006	315	23	and	and	CCONJ
cblr-3006	315	24	benefits	benefit	NOUN
cblr-3006	315	25	can	can	AUX
cblr-3006	315	26	be	be	AUX
cblr-3006	315	27	distributed	distribute	VERB
cblr-3006	315	28	among	among	ADP
cblr-3006	315	29	the	the	DET
cblr-3006	315	30	parties	party	NOUN
cblr-3006	315	31	while	while	SCONJ
cblr-3006	315	32	still	still	ADV
cblr-3006	315	33	allowing	allow	VERB
cblr-3006	315	34	the	the	DET
cblr-3006	315	35	transaction	transaction	NOUN
cblr-3006	315	36	to	to	PART
cblr-3006	315	37	occur	occur	VERB
cblr-3006	315	38	.	.	PUNCT
cblr-3006	316	1	although	although	SCONJ
cblr-3006	316	2	one	one	NUM
cblr-3006	316	3	bank	bank	NOUN
cblr-3006	316	4	or	or	CCONJ
cblr-3006	316	5	the	the	DET
cblr-3006	316	6	other	other	ADJ
cblr-3006	316	7	may	may	AUX
cblr-3006	316	8	perform	perform	VERB
cblr-3006	316	9	certain	certain	ADJ
cblr-3006	316	10	services	service	NOUN
cblr-3006	316	11	for	for	ADP
cblr-3006	316	12	one	one	NUM
cblr-3006	316	13	party	party	NOUN
cblr-3006	316	14	or	or	CCONJ
cblr-3006	316	15	the	the	DET
cblr-3006	316	16	other	other	ADJ
cblr-3006	316	17	,	,	PUNCT
cblr-3006	316	18	the	the	DET
cblr-3006	316	19	party	party	NOUN
cblr-3006	316	20	receiving	receive	VERB
cblr-3006	316	21	the	the	DET
cblr-3006	316	22	services	service	NOUN
cblr-3006	316	23	need	need	AUX
cblr-3006	316	24	not	not	PART
cblr-3006	316	25	directly	directly	ADV
cblr-3006	316	26	compensate	compensate	VERB
cblr-3006	316	27	the	the	DET
cblr-3006	316	28	bank	bank	NOUN
cblr-3006	316	29	providing	provide	VERB
cblr-3006	316	30	them	they	PRON
cblr-3006	316	31	.	.	PUNCT
cblr-3006	317	1	while	while	SCONJ
cblr-3006	317	2	both	both	DET
cblr-3006	317	3	merchants	merchant	NOUN
cblr-3006	317	4	and	and	CCONJ
cblr-3006	317	5	consumers	consumer	NOUN
cblr-3006	317	6	must	must	AUX
cblr-3006	317	7	participate	participate	VERB
cblr-3006	317	8	in	in	ADP
cblr-3006	317	9	any	any	DET
cblr-3006	317	10	payment	payment	NOUN
cblr-3006	317	11	system	system	NOUN
cblr-3006	317	12	,	,	PUNCT
cblr-3006	317	13	different	different	ADJ
cblr-3006	317	14	systems	system	NOUN
cblr-3006	317	15	adopt	adopt	VERB
cblr-3006	317	16	different	different	ADJ
cblr-3006	317	17	o	o	INTJ
cblr-3006	317	18	see	see	VERB
cblr-3006	317	19	william	william	PROPN
cblr-3006	317	20	f.	f.	PROPN
cblr-3006	317	21	baxter	baxter	PROPN
cblr-3006	317	22	,	,	PUNCT
cblr-3006	317	23	bank	bank	NOUN
cblr-3006	317	24	interchange	interchange	NOUN
cblr-3006	317	25	fees	fee	NOUN
cblr-3006	317	26	of	of	ADP
cblr-3006	317	27	transactional	transactional	ADJ
cblr-3006	317	28	paper	paper	NOUN
cblr-3006	317	29	:	:	PUNCT
cblr-3006	317	30	legal	legal	ADJ
cblr-3006	317	31	and	and	CCONJ
cblr-3006	317	32	economic	economic	ADJ
cblr-3006	317	33	perspectives	perspective	NOUN
cblr-3006	317	34	,	,	PUNCT
cblr-3006	317	35	26	26	NUM
cblr-3006	317	36	j.l	j.l	PROPN
cblr-3006	317	37	.	.	PROPN
cblr-3006	317	38	&	&	CCONJ
cblr-3006	317	39	econ	econ	PROPN
cblr-3006	317	40	.	.	PUNCT
cblr-3006	318	1	541	541	NUM
cblr-3006	318	2	(	(	PUNCT
cblr-3006	318	3	1983	1983	NUM
cblr-3006	318	4	)	)	PUNCT
cblr-3006	318	5	.	.	PUNCT
cblr-3006	319	1	no	no	INTJ
cblr-3006	319	2	.	.	PUNCT
cblr-3006	320	1	3:5151	3:5151	NUM
cblr-3006	320	2	the	the	DET
cblr-3006	320	3	economics	economic	NOUN
cblr-3006	320	4	of	of	ADP
cblr-3006	320	5	two	two	NUM
cblr-3006	320	6	-	-	PUNCT
cblr-3006	320	7	sided	sided	ADJ
cblr-3006	320	8	mrkets	mrket	NOUN
cblr-3006	320	9	strategies	strategy	NOUN
cblr-3006	320	10	to	to	PART
cblr-3006	320	11	accomplish	accomplish	VERB
cblr-3006	320	12	this	this	DET
cblr-3006	320	13	goal	goal	NOUN
cblr-3006	320	14	.	.	PUNCT
cblr-3006	321	1	for	for	ADP
cblr-3006	321	2	instance	instance	NOUN
cblr-3006	321	3	,	,	PUNCT
cblr-3006	321	4	when	when	SCONJ
cblr-3006	321	5	discover	discover	NOUN
cblr-3006	321	6	entered	enter	VERB
cblr-3006	321	7	the	the	DET
cblr-3006	321	8	market	market	NOUN
cblr-3006	321	9	,	,	PUNCT
cblr-3006	321	10	it	it	PRON
cblr-3006	321	11	offered	offer	VERB
cblr-3006	321	12	a	a	DET
cblr-3006	321	13	low	low	ADJ
cblr-3006	321	14	merchant	merchant	NOUN
cblr-3006	321	15	discount	discount	NOUN
cblr-3006	321	16	to	to	PART
cblr-3006	321	17	induce	induce	VERB
cblr-3006	321	18	merchants	merchant	NOUN
cblr-3006	321	19	to	to	PART
cblr-3006	321	20	accept	accept	VERB
cblr-3006	321	21	the	the	DET
cblr-3006	321	22	card	card	NOUN
cblr-3006	321	23	.	.	PUNCT
cblr-3006	322	1	on	on	ADP
cblr-3006	322	2	the	the	DET
cblr-3006	322	3	consumer	consumer	NOUN
cblr-3006	322	4	side	side	NOUN
cblr-3006	322	5	of	of	ADP
cblr-3006	322	6	the	the	DET
cblr-3006	322	7	market	market	NOUN
cblr-3006	322	8	,	,	PUNCT
cblr-3006	322	9	discover	discover	VERB
cblr-3006	322	10	faced	face	VERB
cblr-3006	322	11	a	a	DET
cblr-3006	322	12	less	less	ADV
cblr-3006	322	13	difficult	difficult	ADJ
cblr-3006	322	14	problem	problem	NOUN
cblr-3006	322	15	.	.	PUNCT
cblr-3006	323	1	because	because	SCONJ
cblr-3006	323	2	it	it	PRON
cblr-3006	323	3	grew	grow	VERB
cblr-3006	323	4	out	out	ADP
cblr-3006	323	5	of	of	ADP
cblr-3006	323	6	the	the	DET
cblr-3006	323	7	sears	sears	PROPN
cblr-3006	323	8	financial	financial	ADJ
cblr-3006	323	9	network	network	NOUN
cblr-3006	323	10	,	,	PUNCT
cblr-3006	323	11	discover	discover	VERB
cblr-3006	323	12	distributed	distribute	VERB
cblr-3006	323	13	its	its	PRON
cblr-3006	323	14	card	card	NOUN
cblr-3006	323	15	with	with	ADP
cblr-3006	323	16	ease	ease	NOUN
cblr-3006	323	17	to	to	ADP
cblr-3006	323	18	many	many	ADJ
cblr-3006	323	19	consumers	consumer	NOUN
cblr-3006	323	20	.	.	PUNCT
cblr-3006	324	1	thus	thus	ADV
cblr-3006	324	2	,	,	PUNCT
cblr-3006	324	3	rather	rather	ADV
cblr-3006	324	4	than	than	ADP
cblr-3006	324	5	the	the	DET
cblr-3006	324	6	challenge	challenge	NOUN
cblr-3006	324	7	of	of	ADP
cblr-3006	324	8	generating	generate	VERB
cblr-3006	324	9	consumer	consumer	NOUN
cblr-3006	324	10	use	use	NOUN
cblr-3006	324	11	,	,	PUNCT
cblr-3006	324	12	discover	discover	NOUN
cblr-3006	324	13	's	's	PART
cblr-3006	324	14	challenge	challenge	NOUN
cblr-3006	324	15	was	be	AUX
cblr-3006	324	16	to	to	PART
cblr-3006	324	17	overcome	overcome	VERB
cblr-3006	324	18	the	the	DET
cblr-3006	324	19	problem	problem	NOUN
cblr-3006	324	20	of	of	ADP
cblr-3006	324	21	merchant	merchant	NOUN
cblr-3006	324	22	acceptance	acceptance	NOUN
cblr-3006	324	23	,	,	PUNCT
cblr-3006	324	24	which	which	PRON
cblr-3006	324	25	it	it	PRON
cblr-3006	324	26	achieved	achieve	VERB
cblr-3006	324	27	through	through	ADP
cblr-3006	324	28	a	a	DET
cblr-3006	324	29	low	low	ADJ
cblr-3006	324	30	merchant	merchant	NOUN
cblr-3006	324	31	discount	discount	NOUN
cblr-3006	324	32	.	.	PUNCT
cblr-3006	325	1	american	american	PROPN
cblr-3006	325	2	express	express	PROPN
cblr-3006	325	3	has	have	AUX
cblr-3006	325	4	pursued	pursue	VERB
cblr-3006	325	5	a	a	DET
cblr-3006	325	6	different	different	ADJ
cblr-3006	325	7	strategy	strategy	NOUN
cblr-3006	325	8	.	.	PUNCT
cblr-3006	326	1	the	the	DET
cblr-3006	326	2	company	company	NOUN
cblr-3006	326	3	has	have	AUX
cblr-3006	326	4	historically	historically	ADV
cblr-3006	326	5	targeted	target	VERB
cblr-3006	326	6	high	high	ADJ
cblr-3006	326	7	-	-	PUNCT
cblr-3006	326	8	end	end	NOUN
cblr-3006	326	9	customers	customer	NOUN
cblr-3006	326	10	and	and	CCONJ
cblr-3006	326	11	merchants	merchant	NOUN
cblr-3006	326	12	,	,	PUNCT
cblr-3006	326	13	especially	especially	ADV
cblr-3006	326	14	through	through	ADP
cblr-3006	326	15	its	its	PRON
cblr-3006	326	16	corporate	corporate	ADJ
cblr-3006	326	17	card	card	NOUN
cblr-3006	326	18	.	.	PUNCT
cblr-3006	327	1	initially	initially	ADV
cblr-3006	327	2	,	,	PUNCT
cblr-3006	327	3	the	the	DET
cblr-3006	327	4	attractiveness	attractiveness	NOUN
cblr-3006	327	5	of	of	ADP
cblr-3006	327	6	its	its	PRON
cblr-3006	327	7	corporate	corporate	ADJ
cblr-3006	327	8	card	card	NOUN
cblr-3006	327	9	stemmed	stem	VERB
cblr-3006	327	10	from	from	ADP
cblr-3006	327	11	the	the	DET
cblr-3006	327	12	travel	travel	NOUN
cblr-3006	327	13	benefits	benefit	NOUN
cblr-3006	327	14	and	and	CCONJ
cblr-3006	327	15	other	other	ADJ
cblr-3006	327	16	services	service	NOUN
cblr-3006	327	17	that	that	PRON
cblr-3006	327	18	american	american	PROPN
cblr-3006	327	19	express	express	NOUN
cblr-3006	327	20	provided	provide	VERB
cblr-3006	327	21	to	to	ADP
cblr-3006	327	22	its	its	PRON
cblr-3006	327	23	corporate	corporate	ADJ
cblr-3006	327	24	clients	client	NOUN
cblr-3006	327	25	.	.	PUNCT
cblr-3006	328	1	to	to	PART
cblr-3006	328	2	fund	fund	VERB
cblr-3006	328	3	these	these	DET
cblr-3006	328	4	services	service	NOUN
cblr-3006	328	5	,	,	PUNCT
cblr-3006	328	6	the	the	DET
cblr-3006	328	7	company	company	NOUN
cblr-3006	328	8	charged	charge	VERB
cblr-3006	328	9	a	a	DET
cblr-3006	328	10	high	high	ADJ
cblr-3006	328	11	discount	discount	NOUN
cblr-3006	328	12	fee	fee	NOUN
cblr-3006	328	13	to	to	ADP
cblr-3006	328	14	merchants	merchant	NOUN
cblr-3006	328	15	that	that	PRON
cblr-3006	328	16	were	be	AUX
cblr-3006	328	17	willing	willing	ADJ
cblr-3006	328	18	to	to	PART
cblr-3006	328	19	pay	pay	VERB
cblr-3006	328	20	to	to	PART
cblr-3006	328	21	attract	attract	VERB
cblr-3006	328	22	affluent	affluent	ADJ
cblr-3006	328	23	and	and	CCONJ
cblr-3006	328	24	expense	expense	NOUN
cblr-3006	328	25	account	account	NOUN
cblr-3006	328	26	customers	customer	NOUN
cblr-3006	328	27	,	,	PUNCT
cblr-3006	328	28	who	who	PRON
cblr-3006	328	29	are	be	AUX
cblr-3006	328	30	relatively	relatively	ADV
cblr-3006	328	31	insensitive	insensitive	ADJ
cblr-3006	328	32	to	to	ADP
cblr-3006	328	33	prices	price	NOUN
cblr-3006	328	34	.	.	PUNCT
cblr-3006	329	1	"1	"1	NOUN
cblr-3006	329	2	thus	thus	ADV
cblr-3006	329	3	,	,	PUNCT
cblr-3006	329	4	while	while	SCONJ
cblr-3006	329	5	discover	discover	AUX
cblr-3006	329	6	pursued	pursue	VERB
cblr-3006	329	7	a	a	DET
cblr-3006	329	8	low	low	ADJ
cblr-3006	329	9	discount	discount	NOUN
cblr-3006	329	10	strategy	strategy	NOUN
cblr-3006	329	11	,	,	PUNCT
cblr-3006	329	12	american	american	PROPN
cblr-3006	329	13	express	express	PROPN
cblr-3006	329	14	used	use	VERB
cblr-3006	329	15	a	a	DET
cblr-3006	329	16	high	high	ADJ
cblr-3006	329	17	discount	discount	NOUN
cblr-3006	329	18	.	.	PUNCT
cblr-3006	330	1	although	although	SCONJ
cblr-3006	330	2	the	the	DET
cblr-3006	330	3	details	detail	NOUN
cblr-3006	330	4	differed	differ	VERB
cblr-3006	330	5	,	,	PUNCT
cblr-3006	330	6	both	both	DET
cblr-3006	330	7	companies	company	NOUN
cblr-3006	330	8	faced	face	VERB
cblr-3006	330	9	the	the	DET
cblr-3006	330	10	same	same	ADJ
cblr-3006	330	11	underlying	underlying	ADJ
cblr-3006	330	12	problemmatching	problemmatching	NOUN
cblr-3006	330	13	merchants	merchant	NOUN
cblr-3006	330	14	with	with	ADP
cblr-3006	330	15	consumers	consumer	NOUN
cblr-3006	330	16	.	.	PUNCT
cblr-3006	331	1	the	the	DET
cblr-3006	331	2	efforts	effort	NOUN
cblr-3006	331	3	of	of	ADP
cblr-3006	331	4	payment	payment	NOUN
cblr-3006	331	5	card	card	NOUN
cblr-3006	331	6	systems	system	NOUN
cblr-3006	331	7	to	to	PART
cblr-3006	331	8	induce	induce	VERB
cblr-3006	331	9	supermarket	supermarket	NOUN
cblr-3006	331	10	acceptance	acceptance	NOUN
cblr-3006	331	11	provides	provide	VERB
cblr-3006	331	12	another	another	DET
cblr-3006	331	13	illustration	illustration	NOUN
cblr-3006	331	14	of	of	ADP
cblr-3006	331	15	the	the	DET
cblr-3006	331	16	different	different	ADJ
cblr-3006	331	17	strategies	strategy	NOUN
cblr-3006	331	18	available	available	ADJ
cblr-3006	331	19	to	to	PART
cblr-3006	331	20	balance	balance	VERB
cblr-3006	331	21	the	the	DET
cblr-3006	331	22	two	two	NUM
cblr-3006	331	23	-	-	PUNCT
cblr-3006	331	24	sided	sided	ADJ
cblr-3006	331	25	market	market	NOUN
cblr-3006	331	26	.	.	PUNCT
cblr-3006	332	1	to	to	PART
cblr-3006	332	2	induce	induce	VERB
cblr-3006	332	3	acceptance	acceptance	NOUN
cblr-3006	332	4	of	of	ADP
cblr-3006	332	5	their	their	PRON
cblr-3006	332	6	cards	card	NOUN
cblr-3006	332	7	,	,	PUNCT
cblr-3006	332	8	american	american	PROPN
cblr-3006	332	9	express	express	VERB
cblr-3006	332	10	and	and	CCONJ
cblr-3006	332	11	discover	discover	VERB
cblr-3006	332	12	directly	directly	ADV
cblr-3006	332	13	lowered	lower	VERB
cblr-3006	332	14	their	their	PRON
cblr-3006	332	15	merchant	merchant	NOUN
cblr-3006	332	16	discounts	discount	NOUN
cblr-3006	332	17	for	for	ADP
cblr-3006	332	18	supermarkets.5	supermarkets.5	PROPN
cblr-3006	332	19	"	"	PUNCT
cblr-3006	332	20	similarly	similarly	ADV
cblr-3006	332	21	,	,	PUNCT
cblr-3006	332	22	visa	visa	NOUN
cblr-3006	332	23	and	and	CCONJ
cblr-3006	332	24	mastercard	mastercard	PROPN
cblr-3006	332	25	reduced	reduce	VERB
cblr-3006	332	26	the	the	DET
cblr-3006	332	27	interchange	interchange	NOUN
cblr-3006	332	28	fees	fee	NOUN
cblr-3006	332	29	charged	charge	VERB
cblr-3006	332	30	to	to	ADP
cblr-3006	332	31	supermarkets	supermarket	NOUN
cblr-3006	332	32	,	,	PUNCT
cblr-3006	332	33	thereby	thereby	ADV
cblr-3006	332	34	reducing	reduce	VERB
cblr-3006	332	35	the	the	DET
cblr-3006	332	36	merchant	merchant	NOUN
cblr-3006	332	37	discount	discount	NOUN
cblr-3006	332	38	.	.	PUNCT
cblr-3006	333	1	3	3	NUM
cblr-3006	333	2	s	s	NOUN
cblr-3006	333	3	'	'	X
cblr-3006	333	4	chang	chang	PROPN
cblr-3006	333	5	,	,	PUNCT
cblr-3006	333	6	supra	supra	PROPN
cblr-3006	333	7	note	note	PROPN
cblr-3006	333	8	44	44	NUM
cblr-3006	333	9	,	,	PUNCT
cblr-3006	333	10	at	at	ADP
cblr-3006	333	11	16	16	NUM
cblr-3006	333	12	-	-	SYM
cblr-3006	333	13	17	17	NUM
cblr-3006	333	14	.	.	PUNCT
cblr-3006	333	15	52	52	NUM
cblr-3006	333	16	although	although	SCONJ
cblr-3006	333	17	many	many	ADJ
cblr-3006	333	18	grocery	grocery	NOUN
cblr-3006	333	19	chains	chain	NOUN
cblr-3006	333	20	do	do	AUX
cblr-3006	333	21	not	not	PART
cblr-3006	333	22	accept	accept	VERB
cblr-3006	333	23	american	american	PROPN
cblr-3006	333	24	express	express	PROPN
cblr-3006	333	25	,	,	PUNCT
cblr-3006	333	26	it	it	PRON
cblr-3006	333	27	is	be	AUX
cblr-3006	333	28	the	the	DET
cblr-3006	333	29	only	only	ADJ
cblr-3006	333	30	card	card	NOUN
cblr-3006	333	31	accepted	accept	VERB
cblr-3006	333	32	at	at	ADP
cblr-3006	333	33	costco	costco	PROPN
cblr-3006	333	34	.	.	PUNCT
cblr-3006	334	1	"	"	PUNCT
cblr-3006	334	2	3	3	NUM
cblr-3006	334	3	the	the	DET
cblr-3006	334	4	overall	overall	ADJ
cblr-3006	334	5	level	level	NOUN
cblr-3006	334	6	of	of	ADP
cblr-3006	334	7	the	the	DET
cblr-3006	334	8	discount	discount	NOUN
cblr-3006	334	9	has	have	AUX
cblr-3006	334	10	fluctuated	fluctuate	VERB
cblr-3006	334	11	.	.	PUNCT
cblr-3006	335	1	over	over	ADP
cblr-3006	335	2	the	the	DET
cblr-3006	335	3	past	past	ADJ
cblr-3006	335	4	two	two	NUM
cblr-3006	335	5	decades	decade	NOUN
cblr-3006	335	6	,	,	PUNCT
cblr-3006	335	7	average	average	ADJ
cblr-3006	335	8	merchant	merchant	NOUN
cblr-3006	335	9	discount	discount	NOUN
cblr-3006	335	10	rates	rate	NOUN
cblr-3006	335	11	on	on	ADP
cblr-3006	335	12	all	all	DET
cblr-3006	335	13	cards	card	NOUN
cblr-3006	335	14	fell	fall	VERB
cblr-3006	335	15	from	from	ADP
cblr-3006	335	16	about	about	ADP
cblr-3006	335	17	2.7	2.7	NUM
cblr-3006	335	18	%	%	NOUN
cblr-3006	335	19	in	in	ADP
cblr-3006	335	20	1982	1982	NUM
cblr-3006	335	21	to	to	ADP
cblr-3006	335	22	2.0	2.0	NUM
cblr-3006	335	23	%	%	NOUN
cblr-3006	335	24	in	in	ADP
cblr-3006	335	25	1994	1994	NUM
cblr-3006	335	26	,	,	PUNCT
cblr-3006	335	27	before	before	ADP
cblr-3006	335	28	rising	rise	VERB
cblr-3006	335	29	to	to	ADP
cblr-3006	335	30	about	about	ADP
cblr-3006	335	31	2.3	2.3	NUM
cblr-3006	335	32	%	%	NOUN
cblr-3006	335	33	by	by	ADP
cblr-3006	335	34	2001	2001	NUM
cblr-3006	335	35	.	.	PUNCT
cblr-3006	336	1	evans	evans	PROPN
cblr-3006	336	2	&	&	CCONJ
cblr-3006	336	3	schmalensee	schmalensee	PROPN
cblr-3006	336	4	,	,	PUNCT
cblr-3006	336	5	supra	supra	PROPN
cblr-3006	336	6	note	note	NOUN
cblr-3006	336	7	2	2	NUM
cblr-3006	336	8	,	,	PUNCT
cblr-3006	336	9	at	at	ADP
cblr-3006	336	10	126	126	NUM
cblr-3006	336	11	.	.	PUNCT
cblr-3006	337	1	the	the	DET
cblr-3006	337	2	increase	increase	NOUN
cblr-3006	337	3	in	in	ADP
cblr-3006	337	4	the	the	DET
cblr-3006	337	5	late	late	ADJ
cblr-3006	337	6	1990s	1990	NOUN
cblr-3006	337	7	appears	appear	VERB
cblr-3006	337	8	to	to	PART
cblr-3006	337	9	have	have	AUX
cblr-3006	337	10	resulted	result	VERB
cblr-3006	337	11	from	from	ADP
cblr-3006	337	12	increased	increase	VERB
cblr-3006	337	13	competition	competition	NOUN
cblr-3006	337	14	between	between	ADP
cblr-3006	337	15	visa	visa	NOUN
cblr-3006	337	16	and	and	CCONJ
cblr-3006	337	17	col	col	PROPN
cblr-3006	337	18	umbia	umbia	PROPN
cblr-3006	337	19	b	b	PROPN
cblr-3006	338	1	usiness	usiness	PROPN
cblr-3006	338	2	la	la	PROPN
cblr-3006	338	3	w	w	PROPN
cblr-3006	338	4	re	re	PROPN
cblr-3006	338	5	vie	vie	PROPN
cblr-3006	338	6	w	w	PROPN
cblr-3006	339	1	[	[	X
cblr-3006	339	2	vol	vol	NOUN
cblr-3006	339	3	.	.	PUNCT
cblr-3006	339	4	2005	2005	NUM
cblr-3006	339	5	the	the	DET
cblr-3006	339	6	economics	economic	NOUN
cblr-3006	339	7	of	of	ADP
cblr-3006	339	8	two	two	NUM
cblr-3006	339	9	-	-	PUNCT
cblr-3006	339	10	sided	sided	ADJ
cblr-3006	339	11	markets	market	NOUN
cblr-3006	339	12	the	the	DET
cblr-3006	339	13	proliferation	proliferation	NOUN
cblr-3006	339	14	of	of	ADP
cblr-3006	339	15	debit	debit	NOUN
cblr-3006	339	16	cards	card	NOUN
cblr-3006	339	17	offers	offer	VERB
cblr-3006	339	18	yet	yet	ADV
cblr-3006	339	19	another	another	DET
cblr-3006	339	20	example	example	NOUN
cblr-3006	339	21	of	of	ADP
cblr-3006	339	22	the	the	DET
cblr-3006	339	23	different	different	ADJ
cblr-3006	339	24	strategies	strategy	NOUN
cblr-3006	339	25	available	available	ADJ
cblr-3006	339	26	to	to	PART
cblr-3006	339	27	balance	balance	VERB
cblr-3006	339	28	the	the	DET
cblr-3006	339	29	two	two	NUM
cblr-3006	339	30	-	-	PUNCT
cblr-3006	339	31	sided	sided	ADJ
cblr-3006	339	32	market	market	NOUN
cblr-3006	339	33	.	.	PUNCT
cblr-3006	340	1	so	so	ADV
cblr-3006	340	2	-	-	PUNCT
cblr-3006	340	3	called	call	VERB
cblr-3006	340	4	pin	pin	NOUN
cblr-3006	340	5	debit	debit	NOUN
cblr-3006	340	6	systems	system	NOUN
cblr-3006	340	7	originated	originate	VERB
cblr-3006	340	8	in	in	ADP
cblr-3006	340	9	those	those	DET
cblr-3006	340	10	banks	bank	NOUN
cblr-3006	340	11	that	that	PRON
cblr-3006	340	12	had	have	VERB
cblr-3006	340	13	large	large	ADJ
cblr-3006	340	14	customer	customer	NOUN
cblr-3006	340	15	bases	basis	NOUN
cblr-3006	340	16	holding	hold	VERB
cblr-3006	340	17	atm	atm	NOUN
cblr-3006	340	18	cards	card	NOUN
cblr-3006	340	19	.	.	PUNCT
cblr-3006	341	1	because	because	SCONJ
cblr-3006	341	2	the	the	DET
cblr-3006	341	3	systems	system	NOUN
cblr-3006	341	4	already	already	ADV
cblr-3006	341	5	had	have	VERB
cblr-3006	341	6	cardholders	cardholder	NOUN
cblr-3006	341	7	,	,	PUNCT
cblr-3006	341	8	but	but	CCONJ
cblr-3006	341	9	not	not	PART
cblr-3006	341	10	merchants	merchant	NOUN
cblr-3006	341	11	,	,	PUNCT
cblr-3006	341	12	they	they	PRON
cblr-3006	341	13	charged	charge	VERB
cblr-3006	341	14	a	a	DET
cblr-3006	341	15	lower	low	ADJ
cblr-3006	341	16	interchange	interchange	NOUN
cblr-3006	341	17	fee	fee	NOUN
cblr-3006	341	18	.	.	PUNCT
cblr-3006	342	1	on	on	ADP
cblr-3006	342	2	the	the	DET
cblr-3006	342	3	other	other	ADJ
cblr-3006	342	4	hand	hand	NOUN
cblr-3006	342	5	,	,	PUNCT
cblr-3006	342	6	because	because	SCONJ
cblr-3006	342	7	mastercard	mastercard	PROPN
cblr-3006	342	8	and	and	CCONJ
cblr-3006	342	9	visa	visa	NOUN
cblr-3006	342	10	had	have	VERB
cblr-3006	342	11	a	a	DET
cblr-3006	342	12	large	large	ADJ
cblr-3006	342	13	merchant	merchant	NOUN
cblr-3006	342	14	base	base	NOUN
cblr-3006	342	15	but	but	CCONJ
cblr-3006	342	16	lacked	lack	VERB
cblr-3006	342	17	debit	debit	NOUN
cblr-3006	342	18	card	card	NOUN
cblr-3006	342	19	holders	holder	NOUN
cblr-3006	342	20	,	,	PUNCT
cblr-3006	342	21	they	they	PRON
cblr-3006	342	22	charged	charge	VERB
cblr-3006	342	23	a	a	DET
cblr-3006	342	24	higher	high	ADJ
cblr-3006	342	25	interchange	interchange	NOUN
cblr-3006	342	26	fee	fee	NOUN
cblr-3006	342	27	to	to	PART
cblr-3006	342	28	induce	induce	VERB
cblr-3006	342	29	issuers	issuer	NOUN
cblr-3006	342	30	to	to	PART
cblr-3006	342	31	seek	seek	VERB
cblr-3006	342	32	card	card	NOUN
cblr-3006	342	33	holders	holder	NOUN
cblr-3006	342	34	.	.	PUNCT
cblr-3006	343	1	4	4	NUM
cblr-3006	343	2	b.	b.	NOUN
cblr-3006	343	3	the	the	DET
cblr-3006	343	4	attacks	attack	NOUN
cblr-3006	343	5	on	on	ADP
cblr-3006	343	6	interchange	interchange	NOUN
cblr-3006	343	7	fees	fee	NOUN
cblr-3006	343	8	interchange	interchange	NOUN
cblr-3006	343	9	fees	fee	NOUN
cblr-3006	343	10	have	have	AUX
cblr-3006	343	11	recently	recently	ADV
cblr-3006	343	12	come	come	VERB
cblr-3006	343	13	under	under	ADP
cblr-3006	343	14	regulatory	regulatory	ADJ
cblr-3006	343	15	scrutiny	scrutiny	NOUN
cblr-3006	343	16	.	.	PUNCT
cblr-3006	344	1	in	in	ADP
cblr-3006	344	2	2000	2000	NUM
cblr-3006	344	3	,	,	PUNCT
cblr-3006	344	4	the	the	DET
cblr-3006	344	5	european	european	PROPN
cblr-3006	344	6	commission	commission	PROPN
cblr-3006	344	7	,	,	PUNCT
cblr-3006	344	8	acting	act	VERB
cblr-3006	344	9	on	on	ADP
cblr-3006	344	10	retailer	retailer	NOUN
cblr-3006	344	11	complaints	complaint	NOUN
cblr-3006	344	12	,	,	PUNCT
cblr-3006	344	13	preliminarily	preliminarily	ADV
cblr-3006	344	14	determined	determine	VERB
cblr-3006	344	15	that	that	SCONJ
cblr-3006	344	16	visa	visa	NOUN
cblr-3006	344	17	's	's	PART
cblr-3006	344	18	fixed	fix	VERB
cblr-3006	344	19	fee	fee	NOUN
cblr-3006	344	20	violated	violate	VERB
cblr-3006	344	21	european	european	ADJ
cblr-3006	344	22	laws	law	NOUN
cblr-3006	344	23	against	against	ADP
cblr-3006	344	24	collective	collective	ADJ
cblr-3006	344	25	price	price	NOUN
cblr-3006	344	26	setting.5	setting.5	NOUN
cblr-3006	344	27	two	two	NUM
cblr-3006	344	28	years	year	NOUN
cblr-3006	344	29	later	later	ADV
cblr-3006	344	30	the	the	DET
cblr-3006	344	31	commission	commission	NOUN
cblr-3006	344	32	determined	determine	VERB
cblr-3006	344	33	that	that	SCONJ
cblr-3006	344	34	no	no	DET
cblr-3006	344	35	feasible	feasible	ADJ
cblr-3006	344	36	alternative	alternative	NOUN
cblr-3006	344	37	to	to	PART
cblr-3006	344	38	collectively	collectively	ADV
cblr-3006	344	39	determined	determine	VERB
cblr-3006	344	40	fees	fee	NOUN
cblr-3006	344	41	existed	exist	VERB
cblr-3006	344	42	,	,	PUNCT
cblr-3006	344	43	but	but	CCONJ
cblr-3006	344	44	nonetheless	nonetheless	ADV
cblr-3006	344	45	refused	refuse	VERB
cblr-3006	344	46	to	to	PART
cblr-3006	344	47	allow	allow	VERB
cblr-3006	344	48	visa	visa	NOUN
cblr-3006	344	49	to	to	PART
cblr-3006	344	50	set	set	VERB
cblr-3006	344	51	the	the	DET
cblr-3006	344	52	fee	fee	NOUN
cblr-3006	344	53	alone	alone	ADV
cblr-3006	344	54	.	.	PUNCT
cblr-3006	345	1	instead	instead	ADV
cblr-3006	345	2	,	,	PUNCT
cblr-3006	345	3	visa	visa	PROPN
cblr-3006	345	4	agreed	agree	VERB
cblr-3006	345	5	to	to	PART
cblr-3006	345	6	lower	lower	VERB
cblr-3006	345	7	its	its	PRON
cblr-3006	345	8	fee	fee	NOUN
cblr-3006	345	9	and	and	CCONJ
cblr-3006	345	10	conduct	conduct	VERB
cblr-3006	345	11	cost	cost	NOUN
cblr-3006	345	12	studies	study	NOUN
cblr-3006	345	13	that	that	SCONJ
cblr-3006	345	14	the	the	DET
cblr-3006	345	15	commission	commission	NOUN
cblr-3006	345	16	would	would	AUX
cblr-3006	345	17	then	then	ADV
cblr-3006	345	18	review	review	VERB
cblr-3006	345	19	for	for	ADP
cblr-3006	345	20	conformity	conformity	NOUN
cblr-3006	345	21	to	to	ADP
cblr-3006	345	22	cost	cost	NOUN
cblr-3006	345	23	-	-	PUNCT
cblr-3006	345	24	based	base	VERB
cblr-3006	345	25	benchmarks	benchmark	NOUN
cblr-3006	345	26	.	.	PUNCT
cblr-3006	346	1	6	6	NUM
cblr-3006	346	2	in	in	ADP
cblr-3006	346	3	2002	2002	NUM
cblr-3006	346	4	,	,	PUNCT
cblr-3006	346	5	the	the	DET
cblr-3006	346	6	reserve	reserve	PROPN
cblr-3006	346	7	bank	bank	PROPN
cblr-3006	346	8	of	of	ADP
cblr-3006	346	9	mastercard	mastercard	PROPN
cblr-3006	346	10	for	for	SCONJ
cblr-3006	346	11	banks	bank	NOUN
cblr-3006	346	12	to	to	PART
cblr-3006	346	13	dedicate	dedicate	VERB
cblr-3006	346	14	themselves	themselves	PRON
cblr-3006	346	15	to	to	ADP
cblr-3006	346	16	one	one	NUM
cblr-3006	346	17	system	system	NOUN
cblr-3006	346	18	or	or	CCONJ
cblr-3006	346	19	the	the	DET
cblr-3006	346	20	other	other	ADJ
cblr-3006	346	21	.	.	PUNCT
cblr-3006	347	1	see	see	VERB
cblr-3006	347	2	klein	klein	PROPN
cblr-3006	347	3	et	et	PROPN
cblr-3006	347	4	al	al	PROPN
cblr-3006	347	5	.	.	PROPN
cblr-3006	347	6	,	,	PUNCT
cblr-3006	347	7	supra	supra	PROPN
cblr-3006	347	8	note	note	NOUN
cblr-3006	347	9	2	2	NUM
cblr-3006	347	10	,	,	PUNCT
cblr-3006	347	11	at	at	ADP
cblr-3006	347	12	41	41	NUM
cblr-3006	347	13	-	-	SYM
cblr-3006	347	14	45	45	NUM
cblr-3006	347	15	.	.	PUNCT
cblr-3006	348	1	with	with	ADP
cblr-3006	348	2	higher	high	ADJ
cblr-3006	348	3	interchange	interchange	NOUN
cblr-3006	348	4	fees	fee	NOUN
cblr-3006	348	5	,	,	PUNCT
cblr-3006	348	6	credit	credit	NOUN
cblr-3006	348	7	cards	card	NOUN
cblr-3006	348	8	with	with	ADP
cblr-3006	348	9	reward	reward	NOUN
cblr-3006	348	10	programs	program	NOUN
cblr-3006	348	11	have	have	AUX
cblr-3006	348	12	increased	increase	VERB
cblr-3006	348	13	dramatically	dramatically	ADV
cblr-3006	348	14	.	.	PUNCT
cblr-3006	349	1	i	i	PRON
cblr-3006	349	2	d.	d.	PROPN
cblr-3006	349	3	at	at	ADP
cblr-3006	349	4	45	45	NUM
cblr-3006	349	5	n.87	n.87	ADJ
cblr-3006	349	6	.	.	PUNCT
cblr-3006	350	1	the	the	DET
cblr-3006	350	2	two	two	NUM
cblr-3006	350	3	integrated	integrate	VERB
cblr-3006	350	4	systems	system	NOUN
cblr-3006	350	5	,	,	PUNCT
cblr-3006	350	6	american	american	PROPN
cblr-3006	350	7	express	express	VERB
cblr-3006	350	8	and	and	CCONJ
cblr-3006	350	9	discover	discover	VERB
cblr-3006	350	10	,	,	PUNCT
cblr-3006	350	11	charge	charge	VERB
cblr-3006	350	12	the	the	DET
cblr-3006	350	13	highest	high	ADJ
cblr-3006	350	14	and	and	CCONJ
cblr-3006	350	15	lowest	low	ADJ
cblr-3006	350	16	discount	discount	NOUN
cblr-3006	350	17	rates	rate	NOUN
cblr-3006	350	18	respectively	respectively	ADV
cblr-3006	350	19	,	,	PUNCT
cblr-3006	350	20	with	with	ADP
cblr-3006	350	21	the	the	DET
cblr-3006	350	22	visa	visa	NOUN
cblr-3006	350	23	and	and	CCONJ
cblr-3006	350	24	mastercard	mastercard	PROPN
cblr-3006	350	25	systems	system	NOUN
cblr-3006	350	26	in	in	ADP
cblr-3006	350	27	between	between	ADP
cblr-3006	350	28	.	.	PUNCT
cblr-3006	351	1	14	14	NUM
cblr-3006	351	2	see	see	VERB
cblr-3006	351	3	klein	klein	PROPN
cblr-3006	351	4	et	et	PROPN
cblr-3006	351	5	al	al	PROPN
cblr-3006	351	6	.	.	PROPN
cblr-3006	351	7	,	,	PUNCT
cblr-3006	351	8	supra	supra	PROPN
cblr-3006	351	9	note	note	NOUN
cblr-3006	351	10	2	2	NUM
cblr-3006	351	11	,	,	PUNCT
cblr-3006	351	12	at	at	ADP
cblr-3006	351	13	49	49	NUM
cblr-3006	351	14	n.93	n.93	NOUN
cblr-3006	351	15	.	.	PUNCT
cblr-3006	352	1	although	although	SCONJ
cblr-3006	352	2	the	the	DET
cblr-3006	352	3	low	low	ADJ
cblr-3006	352	4	interchange	interchange	NOUN
cblr-3006	352	5	fees	fee	NOUN
cblr-3006	352	6	characteristic	characteristic	ADJ
cblr-3006	352	7	of	of	ADP
cblr-3006	352	8	pin	pin	NOUN
cblr-3006	352	9	debit	debit	NOUN
cblr-3006	352	10	discouraged	discourage	VERB
cblr-3006	352	11	pin	pin	PROPN
cblr-3006	352	12	issuer	issuer	NOUN
cblr-3006	352	13	promotion	promotion	NOUN
cblr-3006	352	14	,	,	PUNCT
cblr-3006	352	15	the	the	DET
cblr-3006	352	16	pin	pin	NOUN
cblr-3006	352	17	debit	debit	NOUN
cblr-3006	352	18	networks	network	NOUN
cblr-3006	352	19	benefited	benefit	VERB
cblr-3006	352	20	from	from	ADP
cblr-3006	352	21	the	the	DET
cblr-3006	352	22	interest	interest	NOUN
cblr-3006	352	23	in	in	ADP
cblr-3006	352	24	debit	debit	NOUN
cblr-3006	352	25	that	that	SCONJ
cblr-3006	352	26	visa	visa	NOUN
cblr-3006	352	27	and	and	CCONJ
cblr-3006	352	28	mastercard	mastercard	PROPN
cblr-3006	352	29	generated	generate	VERB
cblr-3006	352	30	.	.	PUNCT
cblr-3006	352	31	"	"	PUNCT
cblr-3006	353	1	press	press	NOUN
cblr-3006	353	2	release	release	NOUN
cblr-3006	353	3	,	,	PUNCT
cblr-3006	353	4	european	european	PROPN
cblr-3006	353	5	commission	commission	PROPN
cblr-3006	353	6	,	,	PUNCT
cblr-3006	353	7	commission	commission	NOUN
cblr-3006	353	8	plans	plan	VERB
cblr-3006	353	9	to	to	PART
cblr-3006	353	10	clear	clear	VERB
cblr-3006	353	11	certain	certain	ADJ
cblr-3006	353	12	visa	visa	NOUN
cblr-3006	353	13	provisions	provision	NOUN
cblr-3006	353	14	,	,	PUNCT
cblr-3006	353	15	challenges	challenge	VERB
cblr-3006	353	16	others	other	NOUN
cblr-3006	353	17	(	(	PUNCT
cblr-3006	353	18	oct	oct	PROPN
cblr-3006	353	19	.	.	PROPN
cblr-3006	353	20	16	16	NUM
cblr-3006	353	21	,	,	PUNCT
cblr-3006	353	22	2000	2000	NUM
cblr-3006	353	23	)	)	PUNCT
cblr-3006	353	24	,	,	PUNCT
cblr-3006	353	25	available	available	ADJ
cblr-3006	353	26	at	at	ADP
cblr-3006	353	27	http://europa.eu.int/rapid/pressreleasesaction.do?reference=ip/00/1164	http://europa.eu.int/rapid/pressreleasesaction.do?reference=ip/00/1164	NOUN
cblr-3006	353	28	&	&	CCONJ
cblr-3006	353	29	format	format	NOUN
cblr-3006	353	30	=	=	PROPN
cblr-3006	353	31	html&aged=	html&aged=	NOUN
cblr-3006	353	32	l&language	l&language	NOUN
cblr-3006	353	33	=	=	SYM
cblr-3006	353	34	en&guilanguage	en&guilanguage	NOUN
cblr-3006	353	35	=	=	SYM
cblr-3006	353	36	en	en	X
cblr-3006	353	37	.	.	PROPN
cblr-3006	353	38	6	6	NUM
cblr-3006	353	39	press	press	NOUN
cblr-3006	353	40	release	release	NOUN
cblr-3006	353	41	,	,	PUNCT
cblr-3006	353	42	european	european	PROPN
cblr-3006	353	43	commission	commission	PROPN
cblr-3006	353	44	,	,	PUNCT
cblr-3006	353	45	commission	commission	NOUN
cblr-3006	353	46	exempts	exempt	VERB
cblr-3006	353	47	multilateral	multilateral	ADJ
cblr-3006	353	48	interchange	interchange	NOUN
cblr-3006	353	49	fees	fee	NOUN
cblr-3006	353	50	for	for	ADP
cblr-3006	353	51	cross	cross	ADJ
cblr-3006	353	52	-	-	ADJ
cblr-3006	353	53	border	border	ADJ
cblr-3006	353	54	visa	visa	NOUN
cblr-3006	353	55	card	card	NOUN
cblr-3006	353	56	payments	payment	NOUN
cblr-3006	353	57	(	(	PUNCT
cblr-3006	353	58	july	july	PROPN
cblr-3006	353	59	24	24	NUM
cblr-3006	353	60	,	,	PUNCT
cblr-3006	353	61	2002	2002	NUM
cblr-3006	353	62	)	)	PUNCT
cblr-3006	353	63	,	,	PUNCT
cblr-3006	353	64	available	available	ADJ
cblr-3006	353	65	at	at	ADP
cblr-3006	353	66	http://europa.eu.int/rapid/pressreleasesaction.do	http://europa.eu.int/rapid/pressreleasesaction.do	NOUN
cblr-3006	353	67	?	?	PUNCT
cblr-3006	354	1	no	no	INTJ
cblr-3006	354	2	.	.	PUNCT
cblr-3006	355	1	3:515	3:515	NUM
cblr-3006	355	2	]	]	X
cblr-3006	355	3	australia	australia	PROPN
cblr-3006	355	4	(	(	PUNCT
cblr-3006	355	5	"	"	PUNCT
cblr-3006	355	6	rba	rba	NOUN
cblr-3006	355	7	"	"	PUNCT
cblr-3006	355	8	)	)	PUNCT
cblr-3006	355	9	determined	determine	VERB
cblr-3006	355	10	that	that	SCONJ
cblr-3006	355	11	interchange	interchange	NOUN
cblr-3006	355	12	fees	fee	NOUN
cblr-3006	355	13	were	be	AUX
cblr-3006	355	14	too	too	ADV
cblr-3006	355	15	high	high	ADJ
cblr-3006	355	16	and	and	CCONJ
cblr-3006	355	17	decided	decide	VERB
cblr-3006	355	18	that	that	SCONJ
cblr-3006	355	19	they	they	PRON
cblr-3006	355	20	should	should	AUX
cblr-3006	355	21	be	be	AUX
cblr-3006	355	22	based	base	VERB
cblr-3006	355	23	on	on	ADP
cblr-3006	355	24	certain	certain	ADJ
cblr-3006	355	25	costs	cost	NOUN
cblr-3006	355	26	,	,	PUNCT
cblr-3006	355	27	subject	subject	ADJ
cblr-3006	355	28	to	to	ADP
cblr-3006	355	29	governmental	governmental	ADJ
cblr-3006	355	30	oversight	oversight	NOUN
cblr-3006	355	31	.	.	PUNCT
cblr-3006	356	1	57	57	NUM
cblr-3006	356	2	the	the	DET
cblr-3006	356	3	regulation	regulation	NOUN
cblr-3006	356	4	became	become	VERB
cblr-3006	356	5	effective	effective	ADJ
cblr-3006	356	6	in	in	ADP
cblr-3006	356	7	october	october	PROPN
cblr-3006	356	8	of	of	ADP
cblr-3006	356	9	2003	2003	NUM
cblr-3006	356	10	.	.	PUNCT
cblr-3006	357	1	critics	critic	NOUN
cblr-3006	357	2	argue	argue	VERB
cblr-3006	357	3	that	that	SCONJ
cblr-3006	357	4	"	"	PUNCT
cblr-3006	357	5	high	high	ADJ
cblr-3006	357	6	"	"	PUNCT
cblr-3006	357	7	interchange	interchange	NOUN
cblr-3006	357	8	fees	fee	NOUN
cblr-3006	357	9	cause	cause	VERB
cblr-3006	357	10	payment	payment	NOUN
cblr-3006	357	11	cards	card	NOUN
cblr-3006	357	12	to	to	PART
cblr-3006	357	13	be	be	AUX
cblr-3006	357	14	overused	overuse	VERB
cblr-3006	357	15	relative	relative	ADJ
cblr-3006	357	16	to	to	ADP
cblr-3006	357	17	less	less	ADV
cblr-3006	357	18	expensive	expensive	ADJ
cblr-3006	357	19	payment	payment	NOUN
cblr-3006	357	20	devices.58	devices.58	NOUN
cblr-3006	357	21	as	as	SCONJ
cblr-3006	357	22	explained	explain	VERB
cblr-3006	357	23	above	above	ADV
cblr-3006	357	24	,	,	PUNCT
cblr-3006	357	25	when	when	SCONJ
cblr-3006	357	26	interchange	interchange	NOUN
cblr-3006	357	27	fees	fee	NOUN
cblr-3006	357	28	increase	increase	NOUN
cblr-3006	357	29	,	,	PUNCT
cblr-3006	357	30	issuers	issuer	NOUN
cblr-3006	357	31	reduce	reduce	VERB
cblr-3006	357	32	the	the	DET
cblr-3006	357	33	effective	effective	ADJ
cblr-3006	357	34	price	price	NOUN
cblr-3006	357	35	charged	charge	VERB
cblr-3006	357	36	to	to	ADP
cblr-3006	357	37	cardholders	cardholder	NOUN
cblr-3006	357	38	,	,	PUNCT
cblr-3006	357	39	whether	whether	SCONJ
cblr-3006	357	40	through	through	ADP
cblr-3006	357	41	lower	low	ADJ
cblr-3006	357	42	card	card	NOUN
cblr-3006	357	43	fees	fee	NOUN
cblr-3006	357	44	or	or	CCONJ
cblr-3006	357	45	enhanced	enhance	VERB
cblr-3006	357	46	benefits	benefit	NOUN
cblr-3006	357	47	or	or	CCONJ
cblr-3006	357	48	rewards	reward	NOUN
cblr-3006	357	49	.	.	PUNCT
cblr-3006	358	1	because	because	SCONJ
cblr-3006	358	2	cards	card	NOUN
cblr-3006	358	3	are	be	AUX
cblr-3006	358	4	now	now	ADV
cblr-3006	358	5	cheaper	cheap	ADJ
cblr-3006	358	6	,	,	PUNCT
cblr-3006	358	7	more	more	ADJ
cblr-3006	358	8	consumers	consumer	NOUN
cblr-3006	358	9	will	will	AUX
cblr-3006	358	10	obtain	obtain	VERB
cblr-3006	358	11	them	they	PRON
cblr-3006	358	12	and	and	CCONJ
cblr-3006	358	13	those	those	PRON
cblr-3006	358	14	with	with	ADP
cblr-3006	358	15	cards	card	NOUN
cblr-3006	358	16	will	will	AUX
cblr-3006	358	17	use	use	VERB
cblr-3006	358	18	them	they	PRON
cblr-3006	358	19	more	more	ADJ
cblr-3006	358	20	.	.	PUNCT
cblr-3006	359	1	for	for	ADP
cblr-3006	359	2	merchants	merchant	NOUN
cblr-3006	359	3	,	,	PUNCT
cblr-3006	359	4	a	a	DET
cblr-3006	359	5	higher	high	ADJ
cblr-3006	359	6	interchange	interchange	NOUN
cblr-3006	359	7	fee	fee	NOUN
cblr-3006	359	8	increases	increase	VERB
cblr-3006	359	9	the	the	DET
cblr-3006	359	10	costs	cost	NOUN
cblr-3006	359	11	of	of	ADP
cblr-3006	359	12	accepting	accept	VERB
cblr-3006	359	13	cards	card	NOUN
cblr-3006	359	14	.	.	PUNCT
cblr-3006	360	1	if	if	SCONJ
cblr-3006	360	2	merchants	merchant	NOUN
cblr-3006	360	3	are	be	AUX
cblr-3006	360	4	not	not	PART
cblr-3006	360	5	willing	willing	ADJ
cblr-3006	360	6	or	or	CCONJ
cblr-3006	360	7	able	able	ADJ
cblr-3006	360	8	to	to	PART
cblr-3006	360	9	pass	pass	VERB
cblr-3006	360	10	the	the	DET
cblr-3006	360	11	higher	high	ADJ
cblr-3006	360	12	charges	charge	NOUN
cblr-3006	360	13	directly	directly	ADV
cblr-3006	360	14	on	on	ADP
cblr-3006	360	15	to	to	ADP
cblr-3006	360	16	customers	customer	NOUN
cblr-3006	360	17	using	use	VERB
cblr-3006	360	18	payment	payment	NOUN
cblr-3006	360	19	cards	card	NOUN
cblr-3006	360	20	,	,	PUNCT
cblr-3006	360	21	or	or	CCONJ
cblr-3006	360	22	are	be	AUX
cblr-3006	360	23	unable	unable	ADJ
cblr-3006	360	24	to	to	PART
cblr-3006	360	25	cease	cease	VERB
cblr-3006	360	26	accepting	accept	VERB
cblr-3006	360	27	cards	card	NOUN
cblr-3006	360	28	,	,	PUNCT
cblr-3006	360	29	then	then	ADV
cblr-3006	360	30	critics	critic	NOUN
cblr-3006	360	31	contend	contend	VERB
cblr-3006	360	32	that	that	SCONJ
cblr-3006	360	33	merchants	merchant	NOUN
cblr-3006	360	34	will	will	AUX
cblr-3006	360	35	raise	raise	VERB
cblr-3006	360	36	their	their	PRON
cblr-3006	360	37	overall	overall	ADJ
cblr-3006	360	38	prices	price	NOUN
cblr-3006	360	39	with	with	ADP
cblr-3006	360	40	the	the	DET
cblr-3006	360	41	resulting	result	VERB
cblr-3006	360	42	effect	effect	NOUN
cblr-3006	360	43	that	that	SCONJ
cblr-3006	360	44	consumers	consumer	NOUN
cblr-3006	360	45	without	without	ADP
cblr-3006	360	46	cards	card	NOUN
cblr-3006	360	47	will	will	AUX
cblr-3006	360	48	pay	pay	VERB
cblr-3006	360	49	more	more	ADJ
cblr-3006	360	50	without	without	ADP
cblr-3006	360	51	any	any	DET
cblr-3006	360	52	corresponding	corresponding	ADJ
cblr-3006	360	53	benefits	benefit	NOUN
cblr-3006	360	54	.	.	PUNCT
cblr-3006	361	1	as	as	ADP
cblr-3006	361	2	a	a	DET
cblr-3006	361	3	result	result	NOUN
cblr-3006	361	4	,	,	PUNCT
cblr-3006	361	5	the	the	DET
cblr-3006	361	6	private	private	ADJ
cblr-3006	361	7	incentives	incentive	NOUN
cblr-3006	361	8	of	of	ADP
cblr-3006	361	9	card	card	NOUN
cblr-3006	361	10	issuers	issuer	NOUN
cblr-3006	361	11	and	and	CCONJ
cblr-3006	361	12	consumers	consumer	NOUN
cblr-3006	361	13	to	to	PART
cblr-3006	361	14	use	use	VERB
cblr-3006	361	15	payment	payment	NOUN
cblr-3006	361	16	cards	card	NOUN
cblr-3006	361	17	are	be	AUX
cblr-3006	361	18	said	say	VERB
cblr-3006	361	19	to	to	PART
cblr-3006	361	20	expand	expand	VERB
cblr-3006	361	21	the	the	DET
cblr-3006	361	22	level	level	NOUN
cblr-3006	361	23	of	of	ADP
cblr-3006	361	24	card	card	NOUN
cblr-3006	361	25	transactions	transaction	NOUN
cblr-3006	361	26	beyond	beyond	ADP
cblr-3006	361	27	that	that	PRON
cblr-3006	361	28	which	which	PRON
cblr-3006	361	29	maximizes	maximize	VERB
cblr-3006	361	30	social	social	ADJ
cblr-3006	361	31	welfare	welfare	NOUN
cblr-3006	361	32	(	(	PUNCT
cblr-3006	361	33	in	in	ADP
cblr-3006	361	34	that	that	DET
cblr-3006	361	35	cards	card	NOUN
cblr-3006	361	36	externalize	externalize	VERB
cblr-3006	361	37	costs	cost	NOUN
cblr-3006	361	38	to	to	ADP
cblr-3006	361	39	merchants	merchant	NOUN
cblr-3006	361	40	and	and	CCONJ
cblr-3006	361	41	other	other	ADJ
cblr-3006	361	42	consumers	consumer	NOUN
cblr-3006	361	43	)	)	PUNCT
cblr-3006	361	44	.	.	PUNCT
cblr-3006	362	1	ian	ian	PROPN
cblr-3006	362	2	j.	j.	PROPN
cblr-3006	362	3	macfarlane	macfarlane	PROPN
cblr-3006	362	4	,	,	PUNCT
cblr-3006	362	5	governor	governor	NOUN
cblr-3006	362	6	of	of	ADP
cblr-3006	362	7	the	the	DET
cblr-3006	362	8	reserve	reserve	PROPN
cblr-3006	362	9	bank	bank	PROPN
cblr-3006	362	10	of	of	ADP
cblr-3006	362	11	australia	australia	PROPN
cblr-3006	362	12	,	,	PUNCT
cblr-3006	362	13	recently	recently	ADV
cblr-3006	362	14	referred	refer	VERB
cblr-3006	362	15	to	to	ADP
cblr-3006	362	16	this	this	DET
cblr-3006	362	17	phenomenon	phenomenon	NOUN
cblr-3006	362	18	as	as	ADP
cblr-3006	362	19	gresham	gresham	PROPN
cblr-3006	362	20	's	's	PART
cblr-3006	362	21	law	law	NOUN
cblr-3006	362	22	of	of	ADP
cblr-3006	362	23	payments	payment	NOUN
cblr-3006	362	24	,	,	PUNCT
cblr-3006	362	25	because	because	SCONJ
cblr-3006	362	26	it	it	PRON
cblr-3006	362	27	can	can	AUX
cblr-3006	362	28	potentially	potentially	ADV
cblr-3006	362	29	lead	lead	VERB
cblr-3006	362	30	to	to	ADP
cblr-3006	362	31	more	more	ADV
cblr-3006	362	32	expensive	expensive	ADJ
cblr-3006	362	33	means	mean	NOUN
cblr-3006	362	34	of	of	ADP
cblr-3006	362	35	payment	payment	NOUN
cblr-3006	362	36	driving	drive	VERB
cblr-3006	362	37	out	out	ADP
cblr-3006	362	38	less	less	ADJ
cblr-3006	362	39	reference	reference	NOUN
cblr-3006	362	40	=	=	SYM
cblr-3006	362	41	ip/02/1138&format	ip/02/1138&format	NOUN
cblr-3006	362	42	=	=	ADJ
cblr-3006	362	43	html&aged	html&age	VERB
cblr-3006	362	44	=	=	NOUN
cblr-3006	362	45	o&language	o&language	NOUN
cblr-3006	362	46	=	=	SYM
cblr-3006	362	47	en&guilangua	en&guilangua	X
cblr-3006	362	48	ge	ge	PROPN
cblr-3006	362	49	=	=	PROPN
cblr-3006	362	50	en	en	X
cblr-3006	362	51	.	.	PROPN
cblr-3006	362	52	57	57	NUM
cblr-3006	362	53	reserve	reserve	PROPN
cblr-3006	362	54	bank	bank	PROPN
cblr-3006	362	55	of	of	ADP
cblr-3006	362	56	australia	australia	PROPN
cblr-3006	362	57	,	,	PUNCT
cblr-3006	362	58	reform	reform	NOUN
cblr-3006	362	59	of	of	ADP
cblr-3006	362	60	credit	credit	NOUN
cblr-3006	362	61	card	card	NOUN
cblr-3006	362	62	schemes	scheme	NOUN
cblr-3006	362	63	in	in	ADP
cblr-3006	362	64	australia	australia	PROPN
cblr-3006	362	65	iv	iv	NUM
cblr-3006	362	66	:	:	PUNCT
cblr-3006	362	67	final	final	ADJ
cblr-3006	362	68	reforms	reform	NOUN
cblr-3006	362	69	and	and	CCONJ
cblr-3006	362	70	regulation	regulation	NOUN
cblr-3006	362	71	impact	impact	NOUN
cblr-3006	362	72	statement	statement	NOUN
cblr-3006	362	73	(	(	PUNCT
cblr-3006	362	74	aug	aug	PROPN
cblr-3006	362	75	.	.	PROPN
cblr-3006	362	76	2002	2002	NUM
cblr-3006	362	77	)	)	PUNCT
cblr-3006	362	78	,	,	PUNCT
cblr-3006	362	79	available	available	ADJ
cblr-3006	362	80	at	at	ADP
cblr-3006	362	81	http://www.rba.gov.au/paymentssystem/reforms/	http://www.rba.gov.au/paymentssystem/reforms/	ADJ
cblr-3006	362	82	ccschemes	ccscheme	NOUN
cblr-3006	362	83	/	/	SYM
cblr-3006	362	84	finalreforms	finalreform	NOUN
cblr-3006	362	85	/	/	SYM
cblr-3006	362	86	impact	impact	NOUN
cblr-3006	362	87	-	-	PUNCT
cblr-3006	362	88	analysis.pdf	analysis.pdf	NOUN
cblr-3006	362	89	.	.	PUNCT
cblr-3006	362	90	"	"	PUNCT
cblr-3006	363	1	see	see	VERB
cblr-3006	363	2	,	,	PUNCT
cblr-3006	363	3	e.g.	e.g.	ADV
cblr-3006	363	4	,	,	PUNCT
cblr-3006	363	5	alan	alan	PROPN
cblr-3006	363	6	s.	s.	PROPN
cblr-3006	363	7	frankel	frankel	PROPN
cblr-3006	363	8	,	,	PUNCT
cblr-3006	363	9	monopoly	monopoly	NOUN
cblr-3006	363	10	and	and	CCONJ
cblr-3006	363	11	competition	competition	NOUN
cblr-3006	363	12	in	in	ADP
cblr-3006	363	13	the	the	DET
cblr-3006	363	14	supply	supply	NOUN
cblr-3006	363	15	and	and	CCONJ
cblr-3006	363	16	exchange	exchange	NOUN
cblr-3006	363	17	of	of	ADP
cblr-3006	363	18	money	money	NOUN
cblr-3006	363	19	,	,	PUNCT
cblr-3006	363	20	66	66	NUM
cblr-3006	363	21	antitrust	antitrust	ADJ
cblr-3006	363	22	l.j	l.j	PROPN
cblr-3006	363	23	.	.	PROPN
cblr-3006	363	24	313	313	NUM
cblr-3006	363	25	(	(	PUNCT
cblr-3006	363	26	1998	1998	NUM
cblr-3006	363	27	)	)	PUNCT
cblr-3006	363	28	.	.	PUNCT
cblr-3006	364	1	"	"	PUNCT
cblr-3006	364	2	given	give	VERB
cblr-3006	364	3	the	the	DET
cblr-3006	364	4	benefits	benefit	NOUN
cblr-3006	364	5	of	of	ADP
cblr-3006	364	6	card	card	NOUN
cblr-3006	364	7	use	use	NOUN
cblr-3006	364	8	that	that	SCONJ
cblr-3006	364	9	some	some	DET
cblr-3006	364	10	issuers	issuer	NOUN
cblr-3006	364	11	provide	provide	VERB
cblr-3006	364	12	,	,	PUNCT
cblr-3006	364	13	the	the	DET
cblr-3006	364	14	price	price	NOUN
cblr-3006	364	15	to	to	ADP
cblr-3006	364	16	consumers	consumer	NOUN
cblr-3006	364	17	may	may	AUX
cblr-3006	364	18	actually	actually	ADV
cblr-3006	364	19	be	be	AUX
cblr-3006	364	20	negative	negative	ADJ
cblr-3006	364	21	.	.	PUNCT
cblr-3006	365	1	coluama	coluama	PROPN
cblr-3006	366	1	b	b	PRON
cblr-3006	366	2	usiness	usiness	NOUN
cblr-3006	366	3	la	la	PROPN
cblr-3006	366	4	w	w	PROPN
cblr-3006	366	5	re	re	PROPN
cblr-3006	366	6	vie	vie	PROPN
cblr-3006	366	7	w	w	PROPN
cblr-3006	367	1	[	[	X
cblr-3006	367	2	vol	vol	NOUN
cblr-3006	367	3	.	.	PUNCT
cblr-3006	367	4	2005	2005	NUM
cblr-3006	367	5	expensive	expensive	ADJ
cblr-3006	367	6	means	mean	NOUN
cblr-3006	367	7	.	.	PUNCT
cblr-3006	367	8	"	"	PUNCT
cblr-3006	368	1	in	in	ADP
cblr-3006	368	2	these	these	DET
cblr-3006	368	3	circumstances	circumstance	NOUN
cblr-3006	368	4	it	it	PRON
cblr-3006	368	5	is	be	AUX
cblr-3006	368	6	alleged	allege	VERB
cblr-3006	368	7	that	that	SCONJ
cblr-3006	368	8	competition	competition	NOUN
cblr-3006	368	9	may	may	AUX
cblr-3006	368	10	not	not	PART
cblr-3006	368	11	prevent	prevent	VERB
cblr-3006	368	12	card	card	NOUN
cblr-3006	368	13	companies	company	NOUN
cblr-3006	368	14	from	from	ADP
cblr-3006	368	15	setting	set	VERB
cblr-3006	368	16	an	an	DET
cblr-3006	368	17	inefficiently	inefficiently	ADV
cblr-3006	368	18	high	high	ADJ
cblr-3006	368	19	interchange	interchange	NOUN
cblr-3006	368	20	fee	fee	NOUN
cblr-3006	368	21	.	.	PUNCT
cblr-3006	369	1	the	the	DET
cblr-3006	369	2	rba	rba	NOUN
cblr-3006	369	3	used	use	VERB
cblr-3006	369	4	this	this	DET
cblr-3006	369	5	analysis	analysis	NOUN
cblr-3006	369	6	to	to	PART
cblr-3006	369	7	determine	determine	VERB
cblr-3006	369	8	that	that	SCONJ
cblr-3006	369	9	credit	credit	NOUN
cblr-3006	369	10	cards	card	NOUN
cblr-3006	369	11	were	be	AUX
cblr-3006	369	12	overused	overused	ADJ
cblr-3006	369	13	and	and	CCONJ
cblr-3006	369	14	to	to	PART
cblr-3006	369	15	impose	impose	VERB
cblr-3006	369	16	cost	cost	NOUN
cblr-3006	369	17	-	-	PUNCT
cblr-3006	369	18	based	base	VERB
cblr-3006	369	19	price	price	NOUN
cblr-3006	369	20	caps	cap	NOUN
cblr-3006	369	21	on	on	ADP
cblr-3006	369	22	interchange	interchange	NOUN
cblr-3006	369	23	fees	fee	NOUN
cblr-3006	369	24	.	.	PUNCT
cblr-3006	370	1	this	this	DET
cblr-3006	370	2	approach	approach	NOUN
cblr-3006	370	3	appears	appear	VERB
cblr-3006	370	4	flawed	flawed	ADJ
cblr-3006	370	5	.	.	PUNCT
cblr-3006	371	1	first	first	ADV
cblr-3006	371	2	,	,	PUNCT
cblr-3006	371	3	as	as	SCONJ
cblr-3006	371	4	discussed	discuss	VERB
cblr-3006	371	5	above	above	ADV
cblr-3006	371	6	,	,	PUNCT
cblr-3006	371	7	in	in	ADP
cblr-3006	371	8	two	two	NUM
cblr-3006	371	9	-	-	PUNCT
cblr-3006	371	10	sided	sided	ADJ
cblr-3006	371	11	markets	market	NOUN
cblr-3006	371	12	there	there	PRON
cblr-3006	371	13	is	be	VERB
cblr-3006	371	14	no	no	DET
cblr-3006	371	15	reason	reason	NOUN
cblr-3006	371	16	why	why	SCONJ
cblr-3006	371	17	each	each	DET
cblr-3006	371	18	participant	participant	NOUN
cblr-3006	371	19	should	should	AUX
cblr-3006	371	20	necessarily	necessarily	ADV
cblr-3006	371	21	pay	pay	VERB
cblr-3006	371	22	a	a	DET
cblr-3006	371	23	price	price	NOUN
cblr-3006	371	24	related	relate	VERB
cblr-3006	371	25	to	to	ADP
cblr-3006	371	26	his	his	PRON
cblr-3006	371	27	marginal	marginal	ADJ
cblr-3006	371	28	cost	cost	NOUN
cblr-3006	371	29	.	.	PUNCT
cblr-3006	372	1	instead	instead	ADV
cblr-3006	372	2	,	,	PUNCT
cblr-3006	372	3	the	the	DET
cblr-3006	372	4	"	"	PUNCT
cblr-3006	372	5	correct	correct	ADJ
cblr-3006	372	6	"	"	PUNCT
cblr-3006	372	7	interchange	interchange	NOUN
cblr-3006	372	8	fee	fee	NOUN
cblr-3006	372	9	should	should	AUX
cblr-3006	372	10	account	account	VERB
cblr-3006	372	11	for	for	ADP
cblr-3006	372	12	the	the	DET
cblr-3006	372	13	differential	differential	ADJ
cblr-3006	372	14	demand	demand	NOUN
cblr-3006	372	15	elasticities	elasticity	NOUN
cblr-3006	372	16	of	of	ADP
cblr-3006	372	17	cardholders	cardholder	NOUN
cblr-3006	372	18	and	and	CCONJ
cblr-3006	372	19	merchants	merchant	NOUN
cblr-3006	372	20	.	.	PUNCT
cblr-3006	373	1	in	in	ADP
cblr-3006	373	2	fact	fact	NOUN
cblr-3006	373	3	,	,	PUNCT
cblr-3006	373	4	as	as	SCONJ
cblr-3006	373	5	also	also	ADV
cblr-3006	373	6	explained	explain	VERB
cblr-3006	373	7	above	above	ADV
cblr-3006	373	8	,	,	PUNCT
cblr-3006	373	9	different	different	ADJ
cblr-3006	373	10	payment	payment	NOUN
cblr-3006	373	11	cards	card	NOUN
cblr-3006	373	12	follow	follow	VERB
cblr-3006	373	13	different	different	ADJ
cblr-3006	373	14	pricing	pricing	NOUN
cblr-3006	373	15	strategies	strategy	NOUN
cblr-3006	373	16	,	,	PUNCT
cblr-3006	373	17	with	with	ADP
cblr-3006	373	18	some	some	PRON
cblr-3006	373	19	imposing	impose	VERB
cblr-3006	373	20	higher	high	ADJ
cblr-3006	373	21	costs	cost	NOUN
cblr-3006	373	22	on	on	ADP
cblr-3006	373	23	merchants	merchant	NOUN
cblr-3006	373	24	than	than	ADP
cblr-3006	373	25	others	other	NOUN
cblr-3006	373	26	.	.	PUNCT
cblr-3006	374	1	second	second	ADV
cblr-3006	374	2	,	,	PUNCT
cblr-3006	374	3	the	the	DET
cblr-3006	374	4	rba	rba	NOUN
cblr-3006	374	5	ignored	ignore	VERB
cblr-3006	374	6	both	both	CCONJ
cblr-3006	374	7	the	the	DET
cblr-3006	374	8	marginal	marginal	ADJ
cblr-3006	374	9	benefits	benefit	NOUN
cblr-3006	374	10	that	that	PRON
cblr-3006	374	11	payment	payment	NOUN
cblr-3006	374	12	cards	card	NOUN
cblr-3006	374	13	provide	provide	VERB
cblr-3006	374	14	to	to	ADP
cblr-3006	374	15	consumers	consumer	NOUN
cblr-3006	374	16	and	and	CCONJ
cblr-3006	374	17	the	the	DET
cblr-3006	374	18	full	full	ADJ
cblr-3006	374	19	cost	cost	NOUN
cblr-3006	374	20	of	of	ADP
cblr-3006	374	21	using	use	VERB
cblr-3006	374	22	alternative	alternative	ADJ
cblr-3006	374	23	payment	payment	NOUN
cblr-3006	374	24	systems	system	NOUN
cblr-3006	374	25	.	.	PUNCT
cblr-3006	375	1	the	the	DET
cblr-3006	375	2	relevant	relevant	ADJ
cblr-3006	375	3	policy	policy	NOUN
cblr-3006	375	4	question	question	NOUN
cblr-3006	375	5	is	be	AUX
cblr-3006	375	6	not	not	PART
cblr-3006	375	7	simply	simply	ADV
cblr-3006	375	8	how	how	SCONJ
cblr-3006	375	9	to	to	PART
cblr-3006	375	10	minimize	minimize	VERB
cblr-3006	375	11	the	the	DET
cblr-3006	375	12	direct	direct	ADJ
cblr-3006	375	13	costs	cost	NOUN
cblr-3006	375	14	of	of	ADP
cblr-3006	375	15	conducting	conduct	VERB
cblr-3006	375	16	transactions	transaction	NOUN
cblr-3006	375	17	using	use	VERB
cblr-3006	375	18	various	various	ADJ
cblr-3006	375	19	payment	payment	NOUN
cblr-3006	375	20	forms	form	NOUN
cblr-3006	375	21	;	;	PUNCT
cblr-3006	375	22	rather	rather	ADV
cblr-3006	375	23	,	,	PUNCT
cblr-3006	375	24	the	the	DET
cblr-3006	375	25	crucial	crucial	ADJ
cblr-3006	375	26	policy	policy	NOUN
cblr-3006	375	27	concern	concern	NOUN
cblr-3006	375	28	is	be	AUX
cblr-3006	375	29	how	how	SCONJ
cblr-3006	375	30	to	to	PART
cblr-3006	375	31	maximize	maximize	VERB
cblr-3006	375	32	the	the	DET
cblr-3006	375	33	amount	amount	NOUN
cblr-3006	375	34	by	by	ADP
cblr-3006	375	35	which	which	PRON
cblr-3006	375	36	society	society	NOUN
cblr-3006	375	37	's	's	PART
cblr-3006	375	38	total	total	ADJ
cblr-3006	375	39	benefits	benefit	NOUN
cblr-3006	375	40	exceed	exceed	VERB
cblr-3006	375	41	its	its	PRON
cblr-3006	375	42	total	total	ADJ
cblr-3006	375	43	costs	cost	NOUN
cblr-3006	375	44	.	.	PUNCT
cblr-3006	376	1	by	by	ADP
cblr-3006	376	2	this	this	DET
cblr-3006	376	3	standard	standard	NOUN
cblr-3006	376	4	,	,	PUNCT
cblr-3006	376	5	the	the	DET
cblr-3006	376	6	rba	rba	NOUN
cblr-3006	376	7	's	's	PART
cblr-3006	376	8	analysis	analysis	NOUN
cblr-3006	376	9	is	be	AUX
cblr-3006	376	10	seriously	seriously	ADV
cblr-3006	376	11	incomplete	incomplete	ADJ
cblr-3006	376	12	.	.	PUNCT
cblr-3006	377	1	payment	payment	NOUN
cblr-3006	377	2	cards	card	NOUN
cblr-3006	377	3	offer	offer	VERB
cblr-3006	377	4	substantial	substantial	ADJ
cblr-3006	377	5	private	private	ADJ
cblr-3006	377	6	and	and	CCONJ
cblr-3006	377	7	social	social	ADJ
cblr-3006	377	8	benefits	benefit	NOUN
cblr-3006	377	9	that	that	PRON
cblr-3006	377	10	must	must	AUX
cblr-3006	377	11	be	be	AUX
cblr-3006	377	12	considered	consider	VERB
cblr-3006	377	13	to	to	PART
cblr-3006	377	14	calculate	calculate	VERB
cblr-3006	377	15	overall	overall	ADJ
cblr-3006	377	16	efficiency	efficiency	NOUN
cblr-3006	377	17	accurately	accurately	ADV
cblr-3006	377	18	.	.	PUNCT
cblr-3006	378	1	for	for	ADP
cblr-3006	378	2	example	example	NOUN
cblr-3006	378	3	,	,	PUNCT
cblr-3006	378	4	payment	payment	NOUN
cblr-3006	378	5	cards	card	NOUN
cblr-3006	378	6	offer	offer	VERB
cblr-3006	378	7	many	many	ADJ
cblr-3006	378	8	benefits	benefit	NOUN
cblr-3006	378	9	to	to	ADP
cblr-3006	378	10	consumers	consumer	NOUN
cblr-3006	378	11	relative	relative	ADJ
cblr-3006	378	12	to	to	ADP
cblr-3006	378	13	the	the	DET
cblr-3006	378	14	alternatives	alternative	NOUN
cblr-3006	378	15	.	.	PUNCT
cblr-3006	379	1	a	a	DET
cblr-3006	379	2	recent	recent	ADJ
cblr-3006	379	3	ael	ael	PROPN
cblr-3006	379	4	/	/	SYM
cblr-3006	379	5	brookings	brookings	PROPN
cblr-3006	379	6	paper	paper	NOUN
cblr-3006	379	7	attempts	attempt	VERB
cblr-3006	379	8	to	to	PART
cblr-3006	379	9	quantify	quantify	VERB
cblr-3006	379	10	the	the	DET
cblr-3006	379	11	relative	relative	ADJ
cblr-3006	379	12	costs	cost	NOUN
cblr-3006	379	13	and	and	CCONJ
cblr-3006	379	14	benefits	benefit	NOUN
cblr-3006	379	15	to	to	ADP
cblr-3006	379	16	all	all	DET
cblr-3006	379	17	parties	party	NOUN
cblr-3006	379	18	associated	associate	VERB
cblr-3006	379	19	with	with	ADP
cblr-3006	379	20	different	different	ADJ
cblr-3006	379	21	payment	payment	NOUN
cblr-3006	379	22	devices	device	NOUN
cblr-3006	379	23	to	to	PART
cblr-3006	379	24	estimate	estimate	VERB
cblr-3006	379	25	the	the	DET
cblr-3006	379	26	social	social	ADJ
cblr-3006	379	27	cost	cost	NOUN
cblr-3006	379	28	of	of	ADP
cblr-3006	379	29	each	each	DET
cblr-3006	379	30	system	system	NOUN
cblr-3006	379	31	once	once	ADV
cblr-3006	379	32	the	the	DET
cblr-3006	379	33	offsetting	offset	VERB
cblr-3006	379	34	benefits	benefit	NOUN
cblr-3006	379	35	are	be	AUX
cblr-3006	379	36	deducted.6	deducted.6	NOUN
cblr-3006	379	37	'	'	PUNCT
cblr-3006	379	38	the	the	DET
cblr-3006	379	39	authors	author	NOUN
cblr-3006	379	40	calculate	calculate	VERB
cblr-3006	379	41	the	the	DET
cblr-3006	379	42	costs	cost	NOUN
cblr-3006	379	43	and	and	CCONJ
cblr-3006	379	44	benefits	benefit	NOUN
cblr-3006	379	45	to	to	ADP
cblr-3006	379	46	four	four	NUM
cblr-3006	379	47	different	different	ADJ
cblr-3006	379	48	parties	party	NOUN
cblr-3006	379	49	in	in	ADP
cblr-3006	379	50	60	60	NUM
cblr-3006	379	51	see	see	VERB
cblr-3006	379	52	i.j	i.j	PROPN
cblr-3006	379	53	.	.	PROPN
cblr-3006	379	54	macfarlane	macfarlane	PROPN
cblr-3006	379	55	,	,	PUNCT
cblr-3006	379	56	governor	governor	NOUN
cblr-3006	379	57	,	,	PUNCT
cblr-3006	379	58	reserve	reserve	PROPN
cblr-3006	379	59	bank	bank	PROPN
cblr-3006	379	60	of	of	ADP
cblr-3006	379	61	australia	australia	PROPN
cblr-3006	379	62	,	,	PUNCT
cblr-3006	379	63	gresham	gresham	PROPN
cblr-3006	379	64	's	's	PART
cblr-3006	379	65	law	law	NOUN
cblr-3006	379	66	of	of	ADP
cblr-3006	379	67	payments	payment	NOUN
cblr-3006	379	68	,	,	PUNCT
cblr-3006	379	69	address	address	NOUN
cblr-3006	379	70	before	before	ADP
cblr-3006	379	71	the	the	DET
cblr-3006	379	72	aibf	aibf	NOUN
cblr-3006	379	73	industry	industry	NOUN
cblr-3006	379	74	forum	forum	NOUN
cblr-3006	379	75	(	(	PUNCT
cblr-3006	379	76	mar	mar	PROPN
cblr-3006	379	77	.	.	PROPN
cblr-3006	379	78	23	23	NUM
cblr-3006	379	79	,	,	PUNCT
cblr-3006	379	80	2005	2005	NUM
cblr-3006	379	81	)	)	PUNCT
cblr-3006	379	82	,	,	PUNCT
cblr-3006	379	83	available	available	ADJ
cblr-3006	379	84	at	at	ADP
cblr-3006	379	85	http://www.rba.gov.au/speeches/2005/	http://www.rba.gov.au/speeches/2005/	NOUN
cblr-3006	379	86	sp-gov_230305.html	sp-gov_230305.html	NOUN
cblr-3006	379	87	.	.	PUNCT
cblr-3006	380	1	even	even	ADV
cblr-3006	380	2	the	the	DET
cblr-3006	380	3	economist	economist	NOUN
cblr-3006	380	4	that	that	PRON
cblr-3006	380	5	the	the	DET
cblr-3006	380	6	rba	rba	NOUN
cblr-3006	380	7	hired	hire	VERB
cblr-3006	380	8	to	to	PART
cblr-3006	380	9	study	study	VERB
cblr-3006	380	10	the	the	DET
cblr-3006	380	11	issue	issue	NOUN
cblr-3006	380	12	,	,	PUNCT
cblr-3006	380	13	michael	michael	PROPN
cblr-3006	380	14	katz	katz	PROPN
cblr-3006	380	15	,	,	PUNCT
cblr-3006	380	16	observed	observe	VERB
cblr-3006	380	17	that	that	SCONJ
cblr-3006	380	18	focusing	focus	VERB
cblr-3006	380	19	only	only	ADV
cblr-3006	380	20	on	on	ADP
cblr-3006	380	21	the	the	DET
cblr-3006	380	22	cost	cost	NOUN
cblr-3006	380	23	of	of	ADP
cblr-3006	380	24	various	various	ADJ
cblr-3006	380	25	payment	payment	NOUN
cblr-3006	380	26	mechanisms	mechanism	NOUN
cblr-3006	380	27	ignores	ignore	VERB
cblr-3006	380	28	the	the	DET
cblr-3006	380	29	demand	demand	NOUN
cblr-3006	380	30	-	-	PUNCT
cblr-3006	380	31	side	side	NOUN
cblr-3006	380	32	considerations	consideration	NOUN
cblr-3006	380	33	of	of	ADP
cblr-3006	380	34	consumers	consumer	NOUN
cblr-3006	380	35	and	and	CCONJ
cblr-3006	380	36	merchants	merchant	NOUN
cblr-3006	380	37	and	and	CCONJ
cblr-3006	380	38	is	be	AUX
cblr-3006	380	39	therefore	therefore	ADV
cblr-3006	380	40	inappropriate	inappropriate	ADJ
cblr-3006	380	41	.	.	PUNCT
cblr-3006	381	1	see	see	VERB
cblr-3006	381	2	evans	evans	PROPN
cblr-3006	381	3	&	&	CCONJ
cblr-3006	381	4	schmalensee	schmalensee	PROPN
cblr-3006	381	5	,	,	PUNCT
cblr-3006	381	6	supra	supra	PROPN
cblr-3006	381	7	note	note	NOUN
cblr-3006	381	8	2	2	NUM
cblr-3006	381	9	,	,	PUNCT
cblr-3006	381	10	at	at	ADP
cblr-3006	381	11	290	290	NUM
cblr-3006	381	12	.	.	NOUN
cblr-3006	381	13	6	6	NUM
cblr-3006	381	14	see	see	VERB
cblr-3006	381	15	garcia	garcia	PROPN
cblr-3006	381	16	swartz	swartz	PROPN
cblr-3006	381	17	et	et	PROPN
cblr-3006	381	18	al	al	PROPN
cblr-3006	381	19	.	.	PROPN
cblr-3006	381	20	,	,	PUNCT
cblr-3006	381	21	supra	supra	PROPN
cblr-3006	381	22	note	note	NOUN
cblr-3006	381	23	30	30	NUM
cblr-3006	381	24	.	.	PUNCT
cblr-3006	382	1	the	the	DET
cblr-3006	382	2	economcs	economcs	NOUN
cblr-3006	382	3	of	of	ADP
cblr-3006	382	4	two	two	NUM
cblr-3006	382	5	-	-	PUNCT
cblr-3006	382	6	sided	sided	ADJ
cblr-3006	382	7	marketsno	marketsno	NOUN
cblr-3006	382	8	.	.	PUNCT
cblr-3006	383	1	3:5151	3:5151	NUM
cblr-3006	383	2	the	the	DET
cblr-3006	383	3	system	system	NOUN
cblr-3006	383	4	:	:	PUNCT
cblr-3006	383	5	merchants	merchant	NOUN
cblr-3006	383	6	,	,	PUNCT
cblr-3006	383	7	consumers	consumer	NOUN
cblr-3006	383	8	,	,	PUNCT
cblr-3006	383	9	the	the	DET
cblr-3006	383	10	central	central	ADJ
cblr-3006	383	11	bank	bank	NOUN
cblr-3006	383	12	,	,	PUNCT
cblr-3006	383	13	and	and	CCONJ
cblr-3006	383	14	commercial	commercial	ADJ
cblr-3006	383	15	banks	bank	NOUN
cblr-3006	383	16	.	.	PUNCT
cblr-3006	384	1	they	they	PRON
cblr-3006	384	2	examine	examine	VERB
cblr-3006	384	3	six	six	NUM
cblr-3006	384	4	different	different	ADJ
cblr-3006	384	5	types	type	NOUN
cblr-3006	384	6	of	of	ADP
cblr-3006	384	7	payment	payment	NOUN
cblr-3006	384	8	instruments	instrument	NOUN
cblr-3006	384	9	:	:	PUNCT
cblr-3006	384	10	cash	cash	NOUN
cblr-3006	384	11	,	,	PUNCT
cblr-3006	384	12	non	non	ADJ
cblr-3006	384	13	-	-	ADJ
cblr-3006	384	14	verified	verified	ADJ
cblr-3006	384	15	check	check	NOUN
cblr-3006	384	16	,	,	PUNCT
cblr-3006	384	17	verified	verified	ADJ
cblr-3006	384	18	check	check	NOUN
cblr-3006	384	19	,	,	PUNCT
cblr-3006	384	20	credit	credit	NOUN
cblr-3006	384	21	/	/	SYM
cblr-3006	384	22	charge	charge	NOUN
cblr-3006	384	23	,	,	PUNCT
cblr-3006	384	24	signature	signature	NOUN
cblr-3006	384	25	debit	debit	NOUN
cblr-3006	384	26	,	,	PUNCT
cblr-3006	384	27	and	and	CCONJ
cblr-3006	384	28	pin	pin	NOUN
cblr-3006	384	29	debit	debit	NOUN
cblr-3006	384	30	.	.	PUNCT
cblr-3006	385	1	in	in	ADP
cblr-3006	385	2	some	some	DET
cblr-3006	385	3	cases	case	NOUN
cblr-3006	385	4	,	,	PUNCT
cblr-3006	385	5	they	they	PRON
cblr-3006	385	6	also	also	ADV
cblr-3006	385	7	calculate	calculate	VERB
cblr-3006	385	8	the	the	DET
cblr-3006	385	9	net	net	ADJ
cblr-3006	385	10	marginal	marginal	ADJ
cblr-3006	385	11	social	social	ADJ
cblr-3006	385	12	cost	cost	NOUN
cblr-3006	385	13	for	for	ADP
cblr-3006	385	14	various	various	ADJ
cblr-3006	385	15	card	card	NOUN
cblr-3006	385	16	brands	brand	NOUN
cblr-3006	385	17	.	.	PUNCT
cblr-3006	386	1	finally	finally	ADV
cblr-3006	386	2	,	,	PUNCT
cblr-3006	386	3	they	they	PRON
cblr-3006	386	4	examine	examine	VERB
cblr-3006	386	5	the	the	DET
cblr-3006	386	6	relative	relative	ADJ
cblr-3006	386	7	costs	cost	NOUN
cblr-3006	386	8	and	and	CCONJ
cblr-3006	386	9	benefits	benefit	NOUN
cblr-3006	386	10	in	in	ADP
cblr-3006	386	11	three	three	NUM
cblr-3006	386	12	different	different	ADJ
cblr-3006	386	13	purchasing	purchasing	NOUN
cblr-3006	386	14	environmentsgrocery	environmentsgrocery	NOUN
cblr-3006	386	15	stores	store	NOUN
cblr-3006	386	16	,	,	PUNCT
cblr-3006	386	17	discount	discount	NOUN
cblr-3006	386	18	stores	store	NOUN
cblr-3006	386	19	,	,	PUNCT
cblr-3006	386	20	and	and	CCONJ
cblr-3006	386	21	electronics	electronic	NOUN
cblr-3006	386	22	stores	store	NOUN
cblr-3006	386	23	-	-	PUNCT
cblr-3006	386	24	for	for	ADP
cblr-3006	386	25	two	two	NUM
cblr-3006	386	26	sizes	size	NOUN
cblr-3006	386	27	of	of	ADP
cblr-3006	386	28	purchase	purchase	NOUN
cblr-3006	386	29	in	in	ADP
cblr-3006	386	30	each	each	DET
cblr-3006	386	31	environment	environment	NOUN
cblr-3006	386	32	.	.	PUNCT
cblr-3006	387	1	any	any	DET
cblr-3006	387	2	payment	payment	NOUN
cblr-3006	387	3	system	system	NOUN
cblr-3006	387	4	has	have	VERB
cblr-3006	387	5	costs	cost	NOUN
cblr-3006	387	6	.	.	PUNCT
cblr-3006	388	1	one	one	NUM
cblr-3006	388	2	or	or	CCONJ
cblr-3006	388	3	both	both	PRON
cblr-3006	388	4	of	of	ADP
cblr-3006	388	5	the	the	DET
cblr-3006	388	6	parties	party	NOUN
cblr-3006	388	7	to	to	ADP
cblr-3006	388	8	the	the	DET
cblr-3006	388	9	transaction	transaction	NOUN
cblr-3006	388	10	--	--	PUNCT
cblr-3006	388	11	consumers	consumer	NOUN
cblr-3006	388	12	and	and	CCONJ
cblr-3006	388	13	merchants	merchant	NOUN
cblr-3006	388	14	-	-	PUNCT
cblr-3006	388	15	bear	bear	VERB
cblr-3006	388	16	some	some	PRON
cblr-3006	388	17	of	of	ADP
cblr-3006	388	18	these	these	DET
cblr-3006	388	19	costs	cost	NOUN
cblr-3006	388	20	directly	directly	ADV
cblr-3006	388	21	.	.	PUNCT
cblr-3006	389	1	third	third	ADJ
cblr-3006	389	2	parties	party	NOUN
cblr-3006	389	3	also	also	ADV
cblr-3006	389	4	have	have	VERB
cblr-3006	389	5	costs	cost	NOUN
cblr-3006	389	6	,	,	PUNCT
cblr-3006	389	7	such	such	ADJ
cblr-3006	389	8	as	as	ADP
cblr-3006	389	9	the	the	DET
cblr-3006	389	10	federal	federal	PROPN
cblr-3006	389	11	reserve	reserve	PROPN
cblr-3006	389	12	's	's	PART
cblr-3006	389	13	cost	cost	NOUN
cblr-3006	389	14	of	of	ADP
cblr-3006	389	15	printing	print	VERB
cblr-3006	389	16	money	money	NOUN
cblr-3006	389	17	and	and	CCONJ
cblr-3006	389	18	replacing	replace	VERB
cblr-3006	389	19	worn	worn	ADJ
cblr-3006	389	20	cash	cash	NOUN
cblr-3006	389	21	,	,	PUNCT
cblr-3006	389	22	and	and	CCONJ
cblr-3006	389	23	the	the	DET
cblr-3006	389	24	costs	cost	NOUN
cblr-3006	389	25	to	to	ADP
cblr-3006	389	26	consumers	consumer	NOUN
cblr-3006	389	27	who	who	PRON
cblr-3006	389	28	wait	wait	VERB
cblr-3006	389	29	in	in	ADP
cblr-3006	389	30	line	line	NOUN
cblr-3006	389	31	longer	long	ADV
cblr-3006	389	32	when	when	SCONJ
cblr-3006	389	33	those	those	PRON
cblr-3006	389	34	in	in	ADP
cblr-3006	389	35	front	front	NOUN
cblr-3006	389	36	of	of	ADP
cblr-3006	389	37	them	they	PRON
cblr-3006	389	38	use	use	VERB
cblr-3006	389	39	slower	slow	ADJ
cblr-3006	389	40	payment	payment	NOUN
cblr-3006	389	41	methods	method	NOUN
cblr-3006	389	42	.	.	PUNCT
cblr-3006	390	1	all	all	DET
cblr-3006	390	2	social	social	ADJ
cblr-3006	390	3	costs	cost	NOUN
cblr-3006	390	4	should	should	AUX
cblr-3006	390	5	be	be	AUX
cblr-3006	390	6	considered	consider	VERB
cblr-3006	390	7	.	.	PUNCT
cblr-3006	391	1	cash	cash	NOUN
cblr-3006	391	2	,	,	PUNCT
cblr-3006	391	3	for	for	ADP
cblr-3006	391	4	instance	instance	NOUN
cblr-3006	391	5	,	,	PUNCT
cblr-3006	391	6	imposes	impose	VERB
cblr-3006	391	7	costs	cost	NOUN
cblr-3006	391	8	on	on	ADP
cblr-3006	391	9	retailers	retailer	NOUN
cblr-3006	391	10	and	and	CCONJ
cblr-3006	391	11	consumers	consumer	NOUN
cblr-3006	391	12	that	that	PRON
cblr-3006	391	13	electronic	electronic	ADJ
cblr-3006	391	14	payment	payment	NOUN
cblr-3006	391	15	systems	system	NOUN
cblr-3006	391	16	do	do	VERB
cblr-3006	391	17	not	not	PART
cblr-3006	391	18	.	.	PUNCT
cblr-3006	392	1	one	one	NUM
cblr-3006	392	2	example	example	NOUN
cblr-3006	392	3	is	be	AUX
cblr-3006	392	4	the	the	DET
cblr-3006	392	5	labor	labor	NOUN
cblr-3006	392	6	cost	cost	NOUN
cblr-3006	392	7	associated	associate	VERB
cblr-3006	392	8	with	with	ADP
cblr-3006	392	9	counting	count	VERB
cblr-3006	392	10	cash	cash	NOUN
cblr-3006	392	11	and	and	CCONJ
cblr-3006	392	12	reconciling	reconcile	VERB
cblr-3006	392	13	the	the	DET
cblr-3006	392	14	cash	cash	NOUN
cblr-3006	392	15	register	register	NOUN
cblr-3006	392	16	drawer	drawer	NOUN
cblr-3006	392	17	.	.	PUNCT
cblr-3006	393	1	as	as	SCONJ
cblr-3006	393	2	labor	labor	NOUN
cblr-3006	393	3	costs	cost	NOUN
cblr-3006	393	4	increase	increase	VERB
cblr-3006	393	5	,	,	PUNCT
cblr-3006	393	6	the	the	DET
cblr-3006	393	7	cost	cost	NOUN
cblr-3006	393	8	of	of	ADP
cblr-3006	393	9	cash	cash	NOUN
cblr-3006	393	10	payments	payment	NOUN
cblr-3006	393	11	to	to	ADP
cblr-3006	393	12	retailers	retailer	NOUN
cblr-3006	393	13	becomes	become	VERB
cblr-3006	393	14	more	more	ADV
cblr-3006	393	15	expensive	expensive	ADJ
cblr-3006	393	16	relative	relative	NOUN
cblr-3006	393	17	to	to	ADP
cblr-3006	393	18	electronic	electronic	ADJ
cblr-3006	393	19	payments	payment	NOUN
cblr-3006	393	20	.	.	PUNCT
cblr-3006	394	1	in	in	ADP
cblr-3006	394	2	addition	addition	NOUN
cblr-3006	394	3	,	,	PUNCT
cblr-3006	394	4	cash	cash	NOUN
cblr-3006	394	5	has	have	VERB
cblr-3006	394	6	a	a	DET
cblr-3006	394	7	higher	high	ADJ
cblr-3006	394	8	risk	risk	NOUN
cblr-3006	394	9	of	of	ADP
cblr-3006	394	10	theft	theft	NOUN
cblr-3006	394	11	and	and	CCONJ
cblr-3006	394	12	loss	loss	NOUN
cblr-3006	394	13	for	for	ADP
cblr-3006	394	14	both	both	DET
cblr-3006	394	15	consumers	consumer	NOUN
cblr-3006	394	16	and	and	CCONJ
cblr-3006	394	17	merchants	merchant	NOUN
cblr-3006	394	18	(	(	PUNCT
cblr-3006	394	19	from	from	ADP
cblr-3006	394	20	employee	employee	NOUN
cblr-3006	394	21	malfeasance	malfeasance	NOUN
cblr-3006	394	22	)	)	PUNCT
cblr-3006	394	23	.	.	PUNCT
cblr-3006	395	1	the	the	DET
cblr-3006	395	2	costs	cost	NOUN
cblr-3006	395	3	associated	associate	VERB
cblr-3006	395	4	with	with	ADP
cblr-3006	395	5	collecting	collect	VERB
cblr-3006	395	6	and	and	CCONJ
cblr-3006	395	7	transporting	transport	VERB
cblr-3006	395	8	cash	cash	NOUN
cblr-3006	395	9	safely	safely	ADV
cblr-3006	395	10	,	,	PUNCT
cblr-3006	395	11	most	most	ADV
cblr-3006	395	12	notably	notably	ADV
cblr-3006	395	13	armored	armored	ADJ
cblr-3006	395	14	cars	car	NOUN
cblr-3006	395	15	,	,	PUNCT
cblr-3006	395	16	do	do	AUX
cblr-3006	395	17	not	not	PART
cblr-3006	395	18	exist	exist	VERB
cblr-3006	395	19	for	for	ADP
cblr-3006	395	20	payment	payment	NOUN
cblr-3006	395	21	cards	card	NOUN
cblr-3006	395	22	.	.	PUNCT
cblr-3006	396	1	moreover	moreover	ADV
cblr-3006	396	2	,	,	PUNCT
cblr-3006	396	3	commercial	commercial	ADJ
cblr-3006	396	4	banks	bank	NOUN
cblr-3006	396	5	generally	generally	ADV
cblr-3006	396	6	charge	charge	VERB
cblr-3006	396	7	a	a	DET
cblr-3006	396	8	fee	fee	NOUN
cblr-3006	396	9	for	for	ADP
cblr-3006	396	10	processing	process	VERB
cblr-3006	396	11	deposits	deposit	NOUN
cblr-3006	396	12	.	.	PUNCT
cblr-3006	397	1	banks	bank	NOUN
cblr-3006	397	2	incur	incur	VERB
cblr-3006	397	3	additional	additional	ADJ
cblr-3006	397	4	costs	cost	NOUN
cblr-3006	397	5	to	to	PART
cblr-3006	397	6	maintain	maintain	VERB
cblr-3006	397	7	and	and	CCONJ
cblr-3006	397	8	restock	restock	PROPN
cblr-3006	397	9	atms	atms	NOUN
cblr-3006	397	10	;	;	PUNCT
cblr-3006	397	11	similarly	similarly	ADV
cblr-3006	397	12	,	,	PUNCT
cblr-3006	397	13	consumers	consumer	NOUN
cblr-3006	397	14	bear	bear	VERB
cblr-3006	397	15	the	the	DET
cblr-3006	397	16	costs	cost	NOUN
cblr-3006	397	17	associated	associate	VERB
cblr-3006	397	18	with	with	ADP
cblr-3006	397	19	finding	finding	NOUN
cblr-3006	397	20	,	,	PUNCT
cblr-3006	397	21	and	and	CCONJ
cblr-3006	397	22	traveling	travel	VERB
cblr-3006	397	23	to	to	ADP
cblr-3006	397	24	,	,	PUNCT
cblr-3006	397	25	an	an	DET
cblr-3006	397	26	atm	atm	NOUN
cblr-3006	397	27	.	.	PUNCT
cblr-3006	398	1	consumers	consumer	NOUN
cblr-3006	398	2	can	can	AUX
cblr-3006	398	3	withdraw	withdraw	VERB
cblr-3006	398	4	more	more	ADJ
cblr-3006	398	5	money	money	NOUN
cblr-3006	398	6	per	per	ADP
cblr-3006	398	7	visit	visit	NOUN
cblr-3006	398	8	,	,	PUNCT
cblr-3006	398	9	but	but	CCONJ
cblr-3006	398	10	increased	increase	VERB
cblr-3006	398	11	withdrawals	withdrawal	NOUN
cblr-3006	398	12	also	also	ADV
cblr-3006	398	13	increase	increase	VERB
cblr-3006	398	14	the	the	DET
cblr-3006	398	15	risk	risk	NOUN
cblr-3006	398	16	of	of	ADP
cblr-3006	398	17	loss	loss	NOUN
cblr-3006	398	18	from	from	ADP
cblr-3006	398	19	theft	theft	NOUN
cblr-3006	398	20	.	.	PUNCT
cblr-3006	399	1	finally	finally	ADV
cblr-3006	399	2	,	,	PUNCT
cblr-3006	399	3	if	if	SCONJ
cblr-3006	399	4	the	the	DET
cblr-3006	399	5	consumer	consumer	NOUN
cblr-3006	399	6	draws	draw	VERB
cblr-3006	399	7	the	the	DET
cblr-3006	399	8	money	money	NOUN
cblr-3006	399	9	from	from	ADP
cblr-3006	399	10	an	an	DET
cblr-3006	399	11	interest	interest	NOUN
cblr-3006	399	12	-	-	PUNCT
cblr-3006	399	13	bearing	bear	VERB
cblr-3006	399	14	account	account	NOUN
cblr-3006	399	15	,	,	PUNCT
cblr-3006	399	16	increasing	increase	VERB
cblr-3006	399	17	the	the	DET
cblr-3006	399	18	amount	amount	NOUN
cblr-3006	399	19	withdrawn	withdraw	VERB
cblr-3006	399	20	will	will	AUX
cblr-3006	399	21	reduce	reduce	VERB
cblr-3006	399	22	the	the	DET
cblr-3006	399	23	interest	interest	NOUN
cblr-3006	399	24	earned	earn	VERB
cblr-3006	399	25	,	,	PUNCT
cblr-3006	399	26	and	and	CCONJ
cblr-3006	399	27	thus	thus	ADV
cblr-3006	399	28	further	far	ADV
cblr-3006	399	29	deter	deter	VERB
cblr-3006	399	30	larger	large	ADJ
cblr-3006	399	31	cash	cash	NOUN
cblr-3006	399	32	withdrawals	withdrawal	NOUN
cblr-3006	399	33	.	.	PUNCT
cblr-3006	400	1	unlike	unlike	ADP
cblr-3006	400	2	the	the	DET
cblr-3006	400	3	cost	cost	NOUN
cblr-3006	400	4	of	of	ADP
cblr-3006	400	5	the	the	DET
cblr-3006	400	6	merchant	merchant	NOUN
cblr-3006	400	7	discount	discount	NOUN
cblr-3006	400	8	associated	associate	VERB
cblr-3006	400	9	with	with	ADP
cblr-3006	400	10	payment	payment	NOUN
cblr-3006	400	11	cards	card	NOUN
cblr-3006	400	12	,	,	PUNCT
cblr-3006	400	13	these	these	DET
cblr-3006	400	14	costs	cost	NOUN
cblr-3006	400	15	of	of	ADP
cblr-3006	400	16	using	use	VERB
cblr-3006	400	17	cash	cash	NOUN
cblr-3006	400	18	are	be	AUX
cblr-3006	400	19	less	less	ADV
cblr-3006	400	20	obvious	obvious	ADJ
cblr-3006	400	21	.	.	PUNCT
cblr-3006	401	1	nonetheless	nonetheless	ADV
cblr-3006	401	2	,	,	PUNCT
cblr-3006	401	3	they	they	PRON
cblr-3006	401	4	exist	exist	VERB
cblr-3006	401	5	and	and	CCONJ
cblr-3006	401	6	can	can	AUX
cblr-3006	401	7	be	be	AUX
cblr-3006	401	8	substantial	substantial	ADJ
cblr-3006	401	9	.	.	PUNCT
cblr-3006	402	1	in	in	ADP
cblr-3006	402	2	practice	practice	NOUN
cblr-3006	402	3	[	[	X
cblr-3006	402	4	vol	vol	NOUN
cblr-3006	402	5	.	.	PUNCT
cblr-3006	403	1	2005col	2005col	PRON
cblr-3006	403	2	umia	umia	NOUN
cblr-3006	403	3	b	b	X
cblr-3006	404	1	usiness	usiness	NOUN
cblr-3006	404	2	la	la	PROPN
cblr-3006	404	3	w	w	PROPN
cblr-3006	404	4	re	re	PROPN
cblr-3006	404	5	vie	vie	PROPN
cblr-3006	404	6	w	w	PROPN
cblr-3006	404	7	the	the	DET
cblr-3006	404	8	economics	economic	NOUN
cblr-3006	404	9	of	of	ADP
cblr-3006	404	10	two	two	NUM
cblr-3006	404	11	-	-	PUNCT
cblr-3006	404	12	sided	sided	ADJ
cblr-3006	404	13	markets	market	NOUN
cblr-3006	404	14	today	today	NOUN
cblr-3006	404	15	,	,	PUNCT
cblr-3006	404	16	cash	cash	NOUN
cblr-3006	404	17	is	be	AUX
cblr-3006	404	18	used	use	VERB
cblr-3006	404	19	frequently	frequently	ADV
cblr-3006	404	20	only	only	ADV
cblr-3006	404	21	for	for	ADP
cblr-3006	404	22	relatively	relatively	ADV
cblr-3006	404	23	small	small	ADJ
cblr-3006	404	24	transactions	transaction	NOUN
cblr-3006	404	25	.	.	PUNCT
cblr-3006	405	1	for	for	ADP
cblr-3006	405	2	instance	instance	NOUN
cblr-3006	405	3	,	,	PUNCT
cblr-3006	405	4	in	in	ADP
cblr-3006	405	5	grocery	grocery	NOUN
cblr-3006	405	6	stores	store	NOUN
cblr-3006	405	7	the	the	DET
cblr-3006	405	8	average	average	ADJ
cblr-3006	405	9	size	size	NOUN
cblr-3006	405	10	of	of	ADP
cblr-3006	405	11	a	a	DET
cblr-3006	405	12	cash	cash	NOUN
cblr-3006	405	13	transaction	transaction	NOUN
cblr-3006	405	14	is	be	AUX
cblr-3006	405	15	only	only	ADV
cblr-3006	405	16	$	$	SYM
cblr-3006	405	17	11.52	11.52	NUM
cblr-3006	405	18	,	,	PUNCT
cblr-3006	405	19	whereas	whereas	SCONJ
cblr-3006	405	20	the	the	DET
cblr-3006	405	21	average	average	ADJ
cblr-3006	405	22	size	size	NOUN
cblr-3006	405	23	of	of	ADP
cblr-3006	405	24	a	a	DET
cblr-3006	405	25	check	check	NOUN
cblr-3006	405	26	transaction	transaction	NOUN
cblr-3006	405	27	is	be	AUX
cblr-3006	405	28	$	$	SYM
cblr-3006	405	29	54.24.62	54.24.62	NOUN
cblr-3006	405	30	checks	check	NOUN
cblr-3006	405	31	also	also	ADV
cblr-3006	405	32	have	have	VERB
cblr-3006	405	33	many	many	ADJ
cblr-3006	405	34	costs	cost	NOUN
cblr-3006	405	35	beyond	beyond	ADP
cblr-3006	405	36	those	those	PRON
cblr-3006	405	37	of	of	ADP
cblr-3006	405	38	the	the	DET
cblr-3006	405	39	direct	direct	ADJ
cblr-3006	405	40	transaction	transaction	NOUN
cblr-3006	405	41	between	between	ADP
cblr-3006	405	42	consumer	consumer	NOUN
cblr-3006	405	43	and	and	CCONJ
cblr-3006	405	44	merchant	merchant	NOUN
cblr-3006	405	45	.	.	PUNCT
cblr-3006	406	1	consumers	consumer	NOUN
cblr-3006	406	2	bear	bear	VERB
cblr-3006	406	3	the	the	DET
cblr-3006	406	4	cost	cost	NOUN
cblr-3006	406	5	of	of	ADP
cblr-3006	406	6	purchasing	purchase	VERB
cblr-3006	406	7	checks	check	NOUN
cblr-3006	406	8	,	,	PUNCT
cblr-3006	406	9	which	which	PRON
cblr-3006	406	10	have	have	VERB
cblr-3006	406	11	to	to	PART
cblr-3006	406	12	be	be	AUX
cblr-3006	406	13	printed	print	VERB
cblr-3006	406	14	.	.	PUNCT
cblr-3006	407	1	banks	bank	NOUN
cblr-3006	407	2	pay	pay	VERB
cblr-3006	407	3	the	the	DET
cblr-3006	407	4	federal	federal	PROPN
cblr-3006	407	5	reserve	reserve	NOUN
cblr-3006	407	6	to	to	PART
cblr-3006	407	7	process	process	VERB
cblr-3006	407	8	and	and	CCONJ
cblr-3006	407	9	clear	clear	ADJ
cblr-3006	407	10	checks	check	NOUN
cblr-3006	407	11	.	.	PUNCT
cblr-3006	408	1	merchants	merchant	NOUN
cblr-3006	408	2	bear	bear	VERB
cblr-3006	408	3	the	the	DET
cblr-3006	408	4	costs	cost	NOUN
cblr-3006	408	5	of	of	ADP
cblr-3006	408	6	bounced	bounce	VERB
cblr-3006	408	7	checks	check	NOUN
cblr-3006	408	8	and	and	CCONJ
cblr-3006	408	9	collection	collection	NOUN
cblr-3006	408	10	costs	cost	NOUN
cblr-3006	408	11	;	;	PUNCT
cblr-3006	408	12	alternatively	alternatively	ADV
cblr-3006	408	13	,	,	PUNCT
cblr-3006	408	14	merchants	merchant	NOUN
cblr-3006	408	15	themselves	themselves	PRON
cblr-3006	408	16	will	will	AUX
cblr-3006	408	17	bear	bear	VERB
cblr-3006	408	18	most	most	ADJ
cblr-3006	408	19	of	of	ADP
cblr-3006	408	20	the	the	DET
cblr-3006	408	21	costs	cost	NOUN
cblr-3006	408	22	of	of	ADP
cblr-3006	408	23	implementing	implement	VERB
cblr-3006	408	24	more	more	ADJ
cblr-3006	408	25	rigorous	rigorous	ADJ
cblr-3006	408	26	procedures	procedure	NOUN
cblr-3006	408	27	to	to	PART
cblr-3006	408	28	prevent	prevent	VERB
cblr-3006	408	29	bad	bad	ADJ
cblr-3006	408	30	checks	check	NOUN
cblr-3006	408	31	,	,	PUNCT
cblr-3006	408	32	including	include	VERB
cblr-3006	408	33	the	the	DET
cblr-3006	408	34	time	time	NOUN
cblr-3006	408	35	required	require	VERB
cblr-3006	408	36	for	for	ADP
cblr-3006	408	37	closer	close	ADJ
cblr-3006	408	38	inspection	inspection	NOUN
cblr-3006	408	39	of	of	ADP
cblr-3006	408	40	identification	identification	NOUN
cblr-3006	408	41	.	.	PUNCT
cblr-3006	409	1	payment	payment	NOUN
cblr-3006	409	2	cards	card	NOUN
cblr-3006	409	3	also	also	ADV
cblr-3006	409	4	have	have	VERB
cblr-3006	409	5	costs	cost	NOUN
cblr-3006	409	6	.	.	PUNCT
cblr-3006	410	1	like	like	ADP
cblr-3006	410	2	currency	currency	NOUN
cblr-3006	410	3	,	,	PUNCT
cblr-3006	410	4	the	the	DET
cblr-3006	410	5	magnetic	magnetic	ADJ
cblr-3006	410	6	strip	strip	NOUN
cblr-3006	410	7	on	on	ADP
cblr-3006	410	8	payment	payment	NOUN
cblr-3006	410	9	cards	card	NOUN
cblr-3006	410	10	wears	wear	VERB
cblr-3006	410	11	out	out	ADP
cblr-3006	410	12	with	with	ADP
cblr-3006	410	13	use	use	NOUN
cblr-3006	410	14	.	.	PUNCT
cblr-3006	411	1	banks	bank	NOUN
cblr-3006	411	2	levy	levy	VERB
cblr-3006	411	3	a	a	DET
cblr-3006	411	4	charge	charge	NOUN
cblr-3006	411	5	for	for	ADP
cblr-3006	411	6	processing	process	VERB
cblr-3006	411	7	payment	payment	NOUN
cblr-3006	411	8	card	card	NOUN
cblr-3006	411	9	transactions	transaction	NOUN
cblr-3006	411	10	,	,	PUNCT
cblr-3006	411	11	which	which	PRON
cblr-3006	411	12	becomes	become	VERB
cblr-3006	411	13	part	part	NOUN
cblr-3006	411	14	of	of	ADP
cblr-3006	411	15	the	the	DET
cblr-3006	411	16	merchant	merchant	NOUN
cblr-3006	411	17	discount	discount	NOUN
cblr-3006	411	18	.	.	PUNCT
cblr-3006	412	1	cards	card	NOUN
cblr-3006	412	2	with	with	ADP
cblr-3006	412	3	reward	reward	NOUN
cblr-3006	412	4	schemes	scheme	NOUN
cblr-3006	412	5	such	such	ADJ
cblr-3006	412	6	as	as	ADP
cblr-3006	412	7	cash	cash	NOUN
cblr-3006	412	8	back	back	ADV
cblr-3006	412	9	or	or	CCONJ
cblr-3006	412	10	frequent	frequent	ADJ
cblr-3006	412	11	flyer	flyer	NOUN
cblr-3006	412	12	miles	mile	NOUN
cblr-3006	412	13	have	have	VERB
cblr-3006	412	14	processing	processing	NOUN
cblr-3006	412	15	costs	cost	NOUN
cblr-3006	412	16	.	.	PUNCT
cblr-3006	413	1	merchants	merchant	NOUN
cblr-3006	413	2	also	also	ADV
cblr-3006	413	3	bear	bear	VERB
cblr-3006	413	4	the	the	DET
cblr-3006	413	5	cost	cost	NOUN
cblr-3006	413	6	of	of	ADP
cblr-3006	413	7	credit	credit	NOUN
cblr-3006	413	8	card	card	NOUN
cblr-3006	413	9	losses	loss	NOUN
cblr-3006	413	10	,	,	PUNCT
cblr-3006	413	11	i.e.	i.e.	X
cblr-3006	413	12	,	,	PUNCT
cblr-3006	413	13	chargebacks	chargeback	NOUN
cblr-3006	413	14	,	,	PUNCT
cblr-3006	413	15	for	for	ADP
cblr-3006	413	16	certain	certain	ADJ
cblr-3006	413	17	types	type	NOUN
cblr-3006	413	18	of	of	ADP
cblr-3006	413	19	losses	loss	NOUN
cblr-3006	413	20	.	.	PUNCT
cblr-3006	414	1	card	card	NOUN
cblr-3006	414	2	issuers	issuer	NOUN
cblr-3006	414	3	face	face	VERB
cblr-3006	414	4	the	the	DET
cblr-3006	414	5	additional	additional	ADJ
cblr-3006	414	6	costs	cost	NOUN
cblr-3006	414	7	of	of	ADP
cblr-3006	414	8	providing	provide	VERB
cblr-3006	414	9	"	"	PUNCT
cblr-3006	414	10	float	float	NOUN
cblr-3006	414	11	"	"	PUNCT
cblr-3006	414	12	to	to	ADP
cblr-3006	414	13	consumers	consumer	NOUN
cblr-3006	414	14	between	between	ADP
cblr-3006	414	15	the	the	DET
cblr-3006	414	16	time	time	NOUN
cblr-3006	414	17	a	a	DET
cblr-3006	414	18	charge	charge	NOUN
cblr-3006	414	19	is	be	AUX
cblr-3006	414	20	made	make	VERB
cblr-3006	414	21	and	and	CCONJ
cblr-3006	414	22	the	the	DET
cblr-3006	414	23	time	time	NOUN
cblr-3006	414	24	that	that	PRON
cblr-3006	414	25	payment	payment	NOUN
cblr-3006	414	26	for	for	ADP
cblr-3006	414	27	it	it	PRON
cblr-3006	414	28	becomes	become	VERB
cblr-3006	414	29	due	due	ADJ
cblr-3006	414	30	.	.	PUNCT
cblr-3006	415	1	for	for	ADP
cblr-3006	415	2	charge	charge	NOUN
cblr-3006	415	3	and	and	CCONJ
cblr-3006	415	4	credit	credit	NOUN
cblr-3006	415	5	cards	card	NOUN
cblr-3006	415	6	,	,	PUNCT
cblr-3006	415	7	this	this	DET
cblr-3006	415	8	period	period	NOUN
cblr-3006	415	9	is	be	AUX
cblr-3006	415	10	25	25	NUM
cblr-3006	415	11	days	day	NOUN
cblr-3006	415	12	;	;	PUNCT
cblr-3006	415	13	for	for	ADP
cblr-3006	415	14	signature	signature	NOUN
cblr-3006	415	15	debit	debit	NOUN
cblr-3006	415	16	it	it	PRON
cblr-3006	415	17	is	be	AUX
cblr-3006	415	18	two	two	NUM
cblr-3006	415	19	days	day	NOUN
cblr-3006	415	20	.	.	PUNCT
cblr-3006	415	21	'	'	PUNCT
cblr-3006	416	1	of	of	ADP
cblr-3006	416	2	course	course	NOUN
cblr-3006	416	3	,	,	PUNCT
cblr-3006	416	4	float	float	NOUN
cblr-3006	416	5	is	be	AUX
cblr-3006	416	6	a	a	DET
cblr-3006	416	7	symmetrical	symmetrical	ADJ
cblr-3006	416	8	benefit	benefit	NOUN
cblr-3006	416	9	to	to	ADP
cblr-3006	416	10	consumers	consumer	NOUN
cblr-3006	416	11	.	.	PUNCT
cblr-3006	417	1	the	the	DET
cblr-3006	417	2	various	various	ADJ
cblr-3006	417	3	payment	payment	NOUN
cblr-3006	417	4	systems	system	NOUN
cblr-3006	417	5	have	have	VERB
cblr-3006	417	6	benefits	benefit	NOUN
cblr-3006	417	7	as	as	ADV
cblr-3006	417	8	well	well	ADV
cblr-3006	417	9	.	.	PUNCT
cblr-3006	418	1	for	for	ADP
cblr-3006	418	2	example	example	NOUN
cblr-3006	418	3	,	,	PUNCT
cblr-3006	418	4	cash	cash	NOUN
cblr-3006	418	5	permits	permit	VERB
cblr-3006	418	6	complete	complete	ADJ
cblr-3006	418	7	consumer	consumer	NOUN
cblr-3006	418	8	privacy	privacy	NOUN
cblr-3006	418	9	.	.	PUNCT
cblr-3006	419	1	relative	relative	ADJ
cblr-3006	419	2	to	to	ADP
cblr-3006	419	3	cash	cash	NOUN
cblr-3006	419	4	,	,	PUNCT
cblr-3006	419	5	checks	check	NOUN
cblr-3006	419	6	lead	lead	VERB
cblr-3006	419	7	to	to	ADP
cblr-3006	419	8	better	well	ADJ
cblr-3006	419	9	recordkeeping	recordkeeping	NOUN
cblr-3006	419	10	.	.	PUNCT
cblr-3006	420	1	the	the	DET
cblr-3006	420	2	many	many	ADJ
cblr-3006	420	3	benefits	benefit	NOUN
cblr-3006	420	4	of	of	ADP
cblr-3006	420	5	payment	payment	NOUN
cblr-3006	420	6	cards	card	NOUN
cblr-3006	420	7	,	,	PUNCT
cblr-3006	420	8	both	both	PRON
cblr-3006	420	9	to	to	ADP
cblr-3006	420	10	consumers	consumer	NOUN
cblr-3006	420	11	and	and	CCONJ
cblr-3006	420	12	merchants	merchant	NOUN
cblr-3006	420	13	,	,	PUNCT
cblr-3006	420	14	are	be	AUX
cblr-3006	420	15	discussed	discuss	VERB
cblr-3006	420	16	above.6	above.6	ADP
cblr-3006	420	17	the	the	DET
cblr-3006	420	18	aei	aei	PROPN
cblr-3006	420	19	/	/	SYM
cblr-3006	420	20	brookings	brookings	PROPN
cblr-3006	420	21	paper	paper	NOUN
cblr-3006	420	22	,	,	PUNCT
cblr-3006	420	23	considering	consider	VERB
cblr-3006	420	24	these	these	DET
cblr-3006	420	25	relevant	relevant	ADJ
cblr-3006	420	26	costs	cost	NOUN
cblr-3006	420	27	and	and	CCONJ
cblr-3006	420	28	benefits	benefit	NOUN
cblr-3006	420	29	,	,	PUNCT
cblr-3006	420	30	estimates	estimate	VERB
cblr-3006	420	31	the	the	DET
cblr-3006	420	32	net	net	ADJ
cblr-3006	420	33	social	social	ADJ
cblr-3006	420	34	costs	cost	NOUN
cblr-3006	420	35	of	of	ADP
cblr-3006	420	36	these	these	DET
cblr-3006	420	37	different	different	ADJ
cblr-3006	420	38	payment	payment	NOUN
cblr-3006	420	39	systems	system	NOUN
cblr-3006	420	40	.	.	PUNCT
cblr-3006	421	1	it	it	PRON
cblr-3006	421	2	finds	find	VERB
cblr-3006	421	3	that	that	SCONJ
cblr-3006	421	4	contrary	contrary	ADV
cblr-3006	421	5	to	to	ADP
cblr-3006	421	6	conventional	conventional	ADJ
cblr-3006	421	7	wisdom	wisdom	NOUN
cblr-3006	421	8	,	,	PUNCT
cblr-3006	421	9	payment	payment	NOUN
cblr-3006	421	10	cards	card	NOUN
cblr-3006	421	11	generally	generally	ADV
cblr-3006	421	12	,	,	PUNCT
cblr-3006	421	13	and	and	CCONJ
cblr-3006	421	14	62	62	NUM
cblr-3006	421	15	i	i	PRON
cblr-3006	421	16	d.	d.	VERB
cblr-3006	421	17	at	at	ADP
cblr-3006	421	18	40	40	NUM
cblr-3006	421	19	-	-	SYM
cblr-3006	421	20	41	41	NUM
cblr-3006	421	21	.	.	PUNCT
cblr-3006	422	1	see	see	VERB
cblr-3006	422	2	i	i	PRON
cblr-3006	422	3	d.	d.	PROPN
cblr-3006	422	4	at	at	ADP
cblr-3006	422	5	44	44	NUM
cblr-3006	422	6	.	.	PUNCT
cblr-3006	423	1	see	see	VERB
cblr-3006	423	2	supra	supra	PROPN
cblr-3006	423	3	section	section	PROPN
cblr-3006	423	4	iv	iv	PROPN
cblr-3006	423	5	.	.	PUNCT
cblr-3006	424	1	no	no	INTJ
cblr-3006	424	2	.	.	PUNCT
cblr-3006	425	1	3:5151	3:5151	NUM
cblr-3006	425	2	charge	charge	NOUN
cblr-3006	425	3	/	/	SYM
cblr-3006	425	4	credit	credit	NOUN
cblr-3006	425	5	cards	card	NOUN
cblr-3006	425	6	specifically	specifically	ADV
cblr-3006	425	7	,	,	PUNCT
cblr-3006	425	8	are	be	AUX
cblr-3006	425	9	not	not	PART
cblr-3006	425	10	substantially	substantially	ADV
cblr-3006	425	11	more	more	ADV
cblr-3006	425	12	expensive	expensive	ADJ
cblr-3006	425	13	than	than	ADP
cblr-3006	425	14	more	more	ADV
cblr-3006	425	15	traditional	traditional	ADJ
cblr-3006	425	16	payment	payment	NOUN
cblr-3006	425	17	forms	form	NOUN
cblr-3006	425	18	.	.	PUNCT
cblr-3006	426	1	the	the	DET
cblr-3006	426	2	paper	paper	NOUN
cblr-3006	426	3	provides	provide	VERB
cblr-3006	426	4	separate	separate	ADJ
cblr-3006	426	5	estimates	estimate	NOUN
cblr-3006	426	6	for	for	ADP
cblr-3006	426	7	each	each	DET
cblr-3006	426	8	transaction	transaction	NOUN
cblr-3006	426	9	studied	study	VERB
cblr-3006	426	10	.	.	PUNCT
cblr-3006	427	1	for	for	ADP
cblr-3006	427	2	grocery	grocery	NOUN
cblr-3006	427	3	stores	store	NOUN
cblr-3006	427	4	,	,	PUNCT
cblr-3006	427	5	the	the	DET
cblr-3006	427	6	net	net	ADJ
cblr-3006	427	7	social	social	ADJ
cblr-3006	427	8	marginal	marginal	ADJ
cblr-3006	427	9	cost	cost	NOUN
cblr-3006	427	10	(	(	PUNCT
cblr-3006	427	11	i.e.	i.e.	X
cblr-3006	427	12	,	,	PUNCT
cblr-3006	427	13	social	social	ADJ
cblr-3006	427	14	cost	cost	NOUN
cblr-3006	427	15	minus	minus	CCONJ
cblr-3006	427	16	social	social	ADJ
cblr-3006	427	17	benefit	benefit	NOUN
cblr-3006	427	18	)	)	PUNCT
cblr-3006	427	19	of	of	ADP
cblr-3006	427	20	a	a	DET
cblr-3006	427	21	small	small	ADJ
cblr-3006	427	22	transaction	transaction	NOUN
cblr-3006	427	23	is	be	AUX
cblr-3006	427	24	approximately	approximately	ADV
cblr-3006	427	25	the	the	DET
cblr-3006	427	26	same	same	ADJ
cblr-3006	427	27	for	for	ADP
cblr-3006	427	28	cash	cash	NOUN
cblr-3006	427	29	,	,	PUNCT
cblr-3006	427	30	verified	verify	VERB
cblr-3006	427	31	check	check	NOUN
cblr-3006	427	32	,	,	PUNCT
cblr-3006	427	33	credit	credit	NOUN
cblr-3006	427	34	/	/	SYM
cblr-3006	427	35	charge	charge	NOUN
cblr-3006	427	36	card	card	NOUN
cblr-3006	427	37	,	,	PUNCT
cblr-3006	427	38	or	or	CCONJ
cblr-3006	427	39	pin	pin	NOUN
cblr-3006	427	40	debit	debit	NOUN
cblr-3006	427	41	,	,	PUNCT
cblr-3006	427	42	is	be	AUX
cblr-3006	427	43	slightly	slightly	ADV
cblr-3006	427	44	higher	high	ADJ
cblr-3006	427	45	for	for	ADP
cblr-3006	427	46	nonverified	nonverified	ADJ
cblr-3006	427	47	check	check	NOUN
cblr-3006	427	48	,	,	PUNCT
cblr-3006	427	49	and	and	CCONJ
cblr-3006	427	50	is	be	AUX
cblr-3006	427	51	slightly	slightly	ADV
cblr-3006	427	52	lower	low	ADJ
cblr-3006	427	53	for	for	ADP
cblr-3006	427	54	signature	signature	NOUN
cblr-3006	427	55	debit.6	debit.6	NOUN
cblr-3006	427	56	"	"	PUNCT
cblr-3006	427	57	for	for	ADP
cblr-3006	427	58	larger	large	ADJ
cblr-3006	427	59	grocery	grocery	NOUN
cblr-3006	427	60	purchases	purchase	NOUN
cblr-3006	427	61	,	,	PUNCT
cblr-3006	427	62	credit	credit	NOUN
cblr-3006	427	63	/	/	SYM
cblr-3006	427	64	charge	charge	NOUN
cblr-3006	427	65	cards	card	NOUN
cblr-3006	427	66	unambiguously	unambiguously	ADV
cblr-3006	427	67	have	have	VERB
cblr-3006	427	68	the	the	DET
cblr-3006	427	69	lowest	low	ADJ
cblr-3006	427	70	net	net	ADJ
cblr-3006	427	71	social	social	ADJ
cblr-3006	427	72	marginal	marginal	ADJ
cblr-3006	427	73	cost	cost	NOUN
cblr-3006	427	74	,	,	PUNCT
cblr-3006	427	75	cash	cash	NOUN
cblr-3006	427	76	has	have	VERB
cblr-3006	427	77	the	the	DET
cblr-3006	427	78	highest	high	ADJ
cblr-3006	427	79	,	,	PUNCT
cblr-3006	427	80	and	and	CCONJ
cblr-3006	427	81	the	the	DET
cblr-3006	427	82	others	other	NOUN
cblr-3006	427	83	fall	fall	VERB
cblr-3006	427	84	somewhere	somewhere	ADV
cblr-3006	427	85	in	in	ADP
cblr-3006	427	86	between.66	between.66	ADP
cblr-3006	427	87	a	a	DET
cblr-3006	427	88	calculation	calculation	NOUN
cblr-3006	427	89	of	of	ADP
cblr-3006	427	90	net	net	ADJ
cblr-3006	427	91	social	social	ADJ
cblr-3006	427	92	marginal	marginal	ADJ
cblr-3006	427	93	cost	cost	NOUN
cblr-3006	427	94	for	for	ADP
cblr-3006	427	95	"	"	PUNCT
cblr-3006	427	96	small	small	ADJ
cblr-3006	427	97	"	"	PUNCT
cblr-3006	427	98	purchases	purchase	NOUN
cblr-3006	427	99	in	in	ADP
cblr-3006	427	100	discount	discount	NOUN
cblr-3006	427	101	stores	store	NOUN
cblr-3006	427	102	revealed	reveal	VERB
cblr-3006	427	103	no	no	DET
cblr-3006	427	104	substantial	substantial	ADJ
cblr-3006	427	105	differences	difference	NOUN
cblr-3006	427	106	among	among	ADP
cblr-3006	427	107	the	the	DET
cblr-3006	427	108	various	various	ADJ
cblr-3006	427	109	forms	form	NOUN
cblr-3006	427	110	of	of	ADP
cblr-3006	427	111	payment	payment	NOUN
cblr-3006	427	112	,	,	PUNCT
cblr-3006	427	113	with	with	ADP
cblr-3006	427	114	the	the	DET
cblr-3006	427	115	lone	lone	ADJ
cblr-3006	427	116	exception	exception	NOUN
cblr-3006	427	117	of	of	ADP
cblr-3006	427	118	checks	check	NOUN
cblr-3006	427	119	,	,	PUNCT
cblr-3006	427	120	which	which	PRON
cblr-3006	427	121	are	be	AUX
cblr-3006	427	122	substantially	substantially	ADV
cblr-3006	427	123	more	more	ADV
cblr-3006	427	124	expensive.67	expensive.67	ADJ
cblr-3006	427	125	as	as	ADP
cblr-3006	427	126	transaction	transaction	NOUN
cblr-3006	427	127	size	size	NOUN
cblr-3006	427	128	increases	increase	NOUN
cblr-3006	427	129	,	,	PUNCT
cblr-3006	427	130	however	however	ADV
cblr-3006	427	131	,	,	PUNCT
cblr-3006	427	132	cash	cash	NOUN
cblr-3006	427	133	again	again	ADV
cblr-3006	427	134	becomes	become	VERB
cblr-3006	427	135	inferior.6	inferior.6	NOUN
cblr-3006	427	136	'	'	PUNCT
cblr-3006	427	137	for	for	ADP
cblr-3006	427	138	electronics	electronics	NOUN
cblr-3006	427	139	store	store	NOUN
cblr-3006	427	140	purchases	purchase	NOUN
cblr-3006	427	141	,	,	PUNCT
cblr-3006	427	142	checks	check	NOUN
cblr-3006	427	143	are	be	AUX
cblr-3006	427	144	slightly	slightly	ADV
cblr-3006	427	145	better	well	ADJ
cblr-3006	427	146	than	than	ADP
cblr-3006	427	147	other	other	ADJ
cblr-3006	427	148	forms	form	NOUN
cblr-3006	427	149	of	of	ADP
cblr-3006	427	150	payment	payment	NOUN
cblr-3006	427	151	,	,	PUNCT
cblr-3006	427	152	and	and	CCONJ
cblr-3006	427	153	cash	cash	NOUN
cblr-3006	427	154	remains	remain	VERB
cblr-3006	427	155	the	the	DET
cblr-3006	427	156	worst	bad	ADJ
cblr-3006	427	157	.	.	PUNCT
cblr-3006	428	1	for	for	ADP
cblr-3006	428	2	the	the	DET
cblr-3006	428	3	average	average	ADJ
cblr-3006	428	4	cash	cash	NOUN
cblr-3006	428	5	purchase	purchase	NOUN
cblr-3006	428	6	in	in	ADP
cblr-3006	428	7	electronics	electronics	NOUN
cblr-3006	428	8	stores	store	NOUN
cblr-3006	428	9	(	(	PUNCT
cblr-3006	428	10	$	$	SYM
cblr-3006	428	11	64.98	64.98	NUM
cblr-3006	428	12	)	)	PUNCT
cblr-3006	428	13	,	,	PUNCT
cblr-3006	428	14	checks	check	NOUN
cblr-3006	428	15	have	have	VERB
cblr-3006	428	16	the	the	DET
cblr-3006	428	17	lowest	low	ADJ
cblr-3006	428	18	net	net	ADJ
cblr-3006	428	19	social	social	ADJ
cblr-3006	428	20	marginal	marginal	ADJ
cblr-3006	428	21	cost	cost	NOUN
cblr-3006	428	22	;	;	PUNCT
cblr-3006	428	23	credit	credit	NOUN
cblr-3006	428	24	and	and	CCONJ
cblr-3006	428	25	charge	charge	NOUN
cblr-3006	428	26	cards	card	NOUN
cblr-3006	428	27	are	be	AUX
cblr-3006	428	28	estimated	estimate	VERB
cblr-3006	428	29	to	to	PART
cblr-3006	428	30	be	be	AUX
cblr-3006	428	31	'	'	PUNCT
cblr-3006	428	32	garcia	garcia	PROPN
cblr-3006	428	33	swartz	swartz	PROPN
cblr-3006	428	34	et	et	PROPN
cblr-3006	428	35	al	al	PROPN
cblr-3006	428	36	.	.	PROPN
cblr-3006	428	37	,	,	PUNCT
cblr-3006	428	38	supra	supra	PROPN
cblr-3006	428	39	note	note	NOUN
cblr-3006	428	40	30	30	NUM
cblr-3006	428	41	,	,	PUNCT
cblr-3006	428	42	at	at	ADP
cblr-3006	428	43	51	51	NUM
cblr-3006	428	44	.	.	PUNCT
cblr-3006	429	1	the	the	DET
cblr-3006	429	2	transaction	transaction	NOUN
cblr-3006	429	3	size	size	NOUN
cblr-3006	429	4	was	be	AUX
cblr-3006	429	5	$	$	SYM
cblr-3006	429	6	11.54	11.54	NUM
cblr-3006	429	7	,	,	PUNCT
cblr-3006	429	8	the	the	DET
cblr-3006	429	9	average	average	ADJ
cblr-3006	429	10	cash	cash	NOUN
cblr-3006	429	11	purchase	purchase	NOUN
cblr-3006	429	12	size	size	NOUN
cblr-3006	429	13	for	for	ADP
cblr-3006	429	14	grocery	grocery	NOUN
cblr-3006	429	15	stores	store	NOUN
cblr-3006	429	16	.	.	PUNCT
cblr-3006	430	1	these	these	DET
cblr-3006	430	2	statistics	statistic	NOUN
cblr-3006	430	3	measure	measure	VERB
cblr-3006	430	4	the	the	DET
cblr-3006	430	5	cost	cost	NOUN
cblr-3006	430	6	of	of	ADP
cblr-3006	430	7	replacing	replace	VERB
cblr-3006	430	8	the	the	DET
cblr-3006	430	9	average	average	ADJ
cblr-3006	430	10	cash	cash	NOUN
cblr-3006	430	11	transaction	transaction	NOUN
cblr-3006	430	12	with	with	ADP
cblr-3006	430	13	alternative	alternative	ADJ
cblr-3006	430	14	payment	payment	NOUN
cblr-3006	430	15	methods	method	NOUN
cblr-3006	430	16	.	.	PUNCT
cblr-3006	431	1	the	the	DET
cblr-3006	431	2	estimated	estimate	VERB
cblr-3006	431	3	net	net	ADJ
cblr-3006	431	4	social	social	ADJ
cblr-3006	431	5	costs	cost	NOUN
cblr-3006	431	6	were	be	AUX
cblr-3006	431	7	:	:	PUNCT
cblr-3006	431	8	cash	cash	NOUN
cblr-3006	431	9	(	(	PUNCT
cblr-3006	431	10	$	$	SYM
cblr-3006	431	11	0.83	0.83	NUM
cblr-3006	431	12	)	)	PUNCT
cblr-3006	431	13	;	;	PUNCT
cblr-3006	431	14	verified	verify	VERB
cblr-3006	431	15	check	check	NOUN
cblr-3006	431	16	(	(	PUNCT
cblr-3006	431	17	$	$	SYM
cblr-3006	431	18	0.87	0.87	NUM
cblr-3006	431	19	)	)	PUNCT
cblr-3006	431	20	;	;	PUNCT
cblr-3006	431	21	credit	credit	NOUN
cblr-3006	431	22	/	/	SYM
cblr-3006	431	23	charge	charge	NOUN
cblr-3006	431	24	card	card	NOUN
cblr-3006	431	25	(	(	PUNCT
cblr-3006	431	26	$	$	SYM
cblr-3006	431	27	0.84	0.84	NUM
cblr-3006	431	28	)	)	PUNCT
cblr-3006	431	29	;	;	PUNCT
cblr-3006	431	30	pin	pin	NOUN
cblr-3006	431	31	debit	debit	NOUN
cblr-3006	431	32	(	(	PUNCT
cblr-3006	431	33	$	$	SYM
cblr-3006	431	34	0.83	0.83	NUM
cblr-3006	431	35	)	)	PUNCT
cblr-3006	431	36	;	;	PUNCT
cblr-3006	431	37	non	non	ADJ
cblr-3006	431	38	-	-	ADJ
cblr-3006	431	39	verified	verified	ADJ
cblr-3006	431	40	check	check	NOUN
cblr-3006	431	41	(	(	PUNCT
cblr-3006	431	42	$	$	SYM
cblr-3006	431	43	0.99	0.99	NUM
cblr-3006	431	44	)	)	PUNCT
cblr-3006	431	45	;	;	PUNCT
cblr-3006	431	46	and	and	CCONJ
cblr-3006	431	47	signature	signature	NOUN
cblr-3006	431	48	debit	debit	NOUN
cblr-3006	431	49	(	(	PUNCT
cblr-3006	431	50	$	$	SYM
cblr-3006	431	51	0.76	0.76	NUM
cblr-3006	431	52	)	)	PUNCT
cblr-3006	431	53	.	.	PUNCT
cblr-3006	431	54	'	'	PUNCT
cblr-3006	432	1	the	the	DET
cblr-3006	432	2	transaction	transaction	NOUN
cblr-3006	432	3	size	size	NOUN
cblr-3006	432	4	for	for	ADP
cblr-3006	432	5	larger	large	ADJ
cblr-3006	432	6	purchases	purchase	NOUN
cblr-3006	432	7	was	be	AUX
cblr-3006	432	8	$	$	SYM
cblr-3006	432	9	54.24	54.24	NUM
cblr-3006	432	10	,	,	PUNCT
cblr-3006	432	11	which	which	PRON
cblr-3006	432	12	is	be	AUX
cblr-3006	432	13	the	the	DET
cblr-3006	432	14	average	average	ADJ
cblr-3006	432	15	purchase	purchase	NOUN
cblr-3006	432	16	size	size	NOUN
cblr-3006	432	17	for	for	ADP
cblr-3006	432	18	grocery	grocery	NOUN
cblr-3006	432	19	stores	store	NOUN
cblr-3006	432	20	when	when	SCONJ
cblr-3006	432	21	the	the	DET
cblr-3006	432	22	purchase	purchase	NOUN
cblr-3006	432	23	was	be	AUX
cblr-3006	432	24	paid	pay	VERB
cblr-3006	432	25	by	by	ADP
cblr-3006	432	26	check	check	NOUN
cblr-3006	432	27	.	.	PUNCT
cblr-3006	433	1	the	the	DET
cblr-3006	433	2	statistics	statistic	NOUN
cblr-3006	433	3	measure	measure	VERB
cblr-3006	433	4	the	the	DET
cblr-3006	433	5	cost	cost	NOUN
cblr-3006	433	6	of	of	ADP
cblr-3006	433	7	replacing	replace	VERB
cblr-3006	433	8	the	the	DET
cblr-3006	433	9	average	average	ADJ
cblr-3006	433	10	check	check	NOUN
cblr-3006	433	11	transaction	transaction	NOUN
cblr-3006	433	12	with	with	ADP
cblr-3006	433	13	one	one	NUM
cblr-3006	433	14	of	of	ADP
cblr-3006	433	15	the	the	DET
cblr-3006	433	16	alternative	alternative	ADJ
cblr-3006	433	17	payment	payment	NOUN
cblr-3006	433	18	methods	method	NOUN
cblr-3006	433	19	.	.	PUNCT
cblr-3006	434	1	the	the	DET
cblr-3006	434	2	net	net	ADJ
cblr-3006	434	3	marginal	marginal	ADJ
cblr-3006	434	4	social	social	ADJ
cblr-3006	434	5	cost	cost	NOUN
cblr-3006	434	6	of	of	ADP
cblr-3006	434	7	credit	credit	NOUN
cblr-3006	434	8	/	/	SYM
cblr-3006	434	9	charge	charge	NOUN
cblr-3006	434	10	cards	card	NOUN
cblr-3006	434	11	was	be	AUX
cblr-3006	434	12	estimated	estimate	VERB
cblr-3006	434	13	as	as	ADP
cblr-3006	434	14	$	$	SYM
cblr-3006	434	15	0.74	0.74	NUM
cblr-3006	434	16	and	and	CCONJ
cblr-3006	434	17	for	for	ADP
cblr-3006	434	18	cash	cash	NOUN
cblr-3006	434	19	at	at	ADP
cblr-3006	434	20	$	$	SYM
cblr-3006	434	21	1.79	1.79	NUM
cblr-3006	434	22	.	.	PUNCT
cblr-3006	435	1	i	i	PRON
cblr-3006	435	2	d.	d.	PROPN
cblr-3006	435	3	at	at	ADP
cblr-3006	435	4	56	56	NUM
cblr-3006	435	5	.	.	NOUN
cblr-3006	435	6	67	67	NUM
cblr-3006	435	7	for	for	ADP
cblr-3006	435	8	the	the	DET
cblr-3006	435	9	average	average	ADJ
cblr-3006	435	10	cash	cash	NOUN
cblr-3006	435	11	transaction	transaction	NOUN
cblr-3006	435	12	in	in	ADP
cblr-3006	435	13	discount	discount	NOUN
cblr-3006	435	14	stores	store	NOUN
cblr-3006	435	15	(	(	PUNCT
cblr-3006	435	16	$	$	SYM
cblr-3006	435	17	15.49	15.49	NUM
cblr-3006	435	18	)	)	PUNCT
cblr-3006	435	19	,	,	PUNCT
cblr-3006	435	20	checks	check	NOUN
cblr-3006	435	21	are	be	AUX
cblr-3006	435	22	calculated	calculate	VERB
cblr-3006	435	23	to	to	PART
cblr-3006	435	24	have	have	VERB
cblr-3006	435	25	a	a	DET
cblr-3006	435	26	net	net	ADJ
cblr-3006	435	27	social	social	ADJ
cblr-3006	435	28	marginal	marginal	ADJ
cblr-3006	435	29	cost	cost	NOUN
cblr-3006	435	30	of	of	ADP
cblr-3006	435	31	$	$	SYM
cblr-3006	435	32	0.96	0.96	NUM
cblr-3006	435	33	,	,	PUNCT
cblr-3006	435	34	charge	charge	NOUN
cblr-3006	435	35	and	and	CCONJ
cblr-3006	435	36	credit	credit	NOUN
cblr-3006	435	37	cards	card	NOUN
cblr-3006	435	38	are	be	AUX
cblr-3006	435	39	$	$	SYM
cblr-3006	435	40	0.60-$0.61	0.60-$0.61	NUM
cblr-3006	435	41	,	,	PUNCT
cblr-3006	435	42	pin	pin	NOUN
cblr-3006	435	43	debit	debit	NOUN
cblr-3006	435	44	is	be	AUX
cblr-3006	435	45	$	$	SYM
cblr-3006	435	46	0.64	0.64	NUM
cblr-3006	435	47	,	,	PUNCT
cblr-3006	435	48	cash	cash	NOUN
cblr-3006	435	49	is	be	AUX
cblr-3006	435	50	$	$	SYM
cblr-3006	435	51	0.57	0.57	NUM
cblr-3006	435	52	,	,	PUNCT
cblr-3006	435	53	and	and	CCONJ
cblr-3006	435	54	signature	signature	NOUN
cblr-3006	435	55	debit	debit	NOUN
cblr-3006	435	56	is	be	AUX
cblr-3006	435	57	$	$	SYM
cblr-3006	435	58	0.52	0.52	NUM
cblr-3006	435	59	.	.	PUNCT
cblr-3006	436	1	i	i	PRON
cblr-3006	436	2	d.	d.	PROPN
cblr-3006	436	3	at	at	ADP
cblr-3006	436	4	62	62	NUM
cblr-3006	436	5	.	.	PUNCT
cblr-3006	436	6	'	'	PUNCT
cblr-3006	437	1	i	i	PRON
cblr-3006	437	2	d.	d.	PROPN
cblr-3006	437	3	at	at	ADP
cblr-3006	437	4	63	63	NUM
cblr-3006	437	5	.	.	PUNCT
cblr-3006	438	1	for	for	ADP
cblr-3006	438	2	transactions	transaction	NOUN
cblr-3006	438	3	of	of	ADP
cblr-3006	438	4	$	$	SYM
cblr-3006	438	5	43.93	43.93	NUM
cblr-3006	438	6	,	,	PUNCT
cblr-3006	438	7	the	the	DET
cblr-3006	438	8	net	net	ADJ
cblr-3006	438	9	social	social	ADJ
cblr-3006	438	10	marginal	marginal	ADJ
cblr-3006	438	11	cost	cost	NOUN
cblr-3006	438	12	for	for	ADP
cblr-3006	438	13	cash	cash	NOUN
cblr-3006	438	14	is	be	AUX
cblr-3006	438	15	calculated	calculate	VERB
cblr-3006	438	16	to	to	PART
cblr-3006	438	17	be	be	AUX
cblr-3006	438	18	$	$	SYM
cblr-3006	438	19	1.55	1.55	NUM
cblr-3006	438	20	,	,	PUNCT
cblr-3006	438	21	for	for	ADP
cblr-3006	438	22	checks	check	NOUN
cblr-3006	438	23	$	$	SYM
cblr-3006	438	24	1.06	1.06	NUM
cblr-3006	438	25	,	,	PUNCT
cblr-3006	438	26	for	for	ADP
cblr-3006	438	27	pin	pin	NOUN
cblr-3006	438	28	debit	debit	VERB
cblr-3006	438	29	$	$	SYM
cblr-3006	438	30	0.69	0.69	NUM
cblr-3006	438	31	,	,	PUNCT
cblr-3006	438	32	and	and	CCONJ
cblr-3006	438	33	for	for	ADP
cblr-3006	438	34	signature	signature	NOUN
cblr-3006	438	35	debit	debit	NOUN
cblr-3006	438	36	and	and	CCONJ
cblr-3006	438	37	all	all	DET
cblr-3006	438	38	charge	charge	NOUN
cblr-3006	438	39	/	/	SYM
cblr-3006	438	40	credit	credit	NOUN
cblr-3006	438	41	cards	card	NOUN
cblr-3006	438	42	$	$	SYM
cblr-3006	438	43	0.53-$0.55	0.53-$0.55	NUM
cblr-3006	438	44	.	.	PUNCT
cblr-3006	439	1	col	col	PROPN
cblr-3006	439	2	umia	umia	PROPN
cblr-3006	439	3	business	business	PROPN
cblr-3006	439	4	la	la	PROPN
cblr-3006	439	5	w	w	PROPN
cblr-3006	439	6	re	re	PROPN
cblr-3006	439	7	vie	vie	PROPN
cblr-3006	439	8	w	w	PROPN
cblr-3006	440	1	[	[	X
cblr-3006	440	2	vol	vol	NOUN
cblr-3006	440	3	.	.	PUNCT
cblr-3006	440	4	2005	2005	NUM
cblr-3006	440	5	the	the	DET
cblr-3006	440	6	economics	economic	NOUN
cblr-3006	440	7	of	of	ADP
cblr-3006	440	8	two	two	NUM
cblr-3006	440	9	-	-	PUNCT
cblr-3006	440	10	sided	side	VERB
cblr-3006	440	11	markets	market	NOUN
cblr-3006	440	12	slightly	slightly	ADV
cblr-3006	440	13	higher	high	ADJ
cblr-3006	440	14	,	,	PUNCT
cblr-3006	440	15	signature	signature	NOUN
cblr-3006	440	16	debit	debit	NOUN
cblr-3006	440	17	is	be	AUX
cblr-3006	440	18	somewhat	somewhat	ADV
cblr-3006	440	19	higher	high	ADJ
cblr-3006	440	20	,	,	PUNCT
cblr-3006	440	21	and	and	CCONJ
cblr-3006	440	22	cash	cash	NOUN
cblr-3006	440	23	is	be	AUX
cblr-3006	440	24	by	by	ADP
cblr-3006	440	25	far	far	ADV
cblr-3006	440	26	the	the	DET
cblr-3006	440	27	most	most	ADJ
cblr-3006	440	28	expensive.69	expensive.69	NOUN
cblr-3006	440	29	if	if	SCONJ
cblr-3006	440	30	the	the	DET
cblr-3006	440	31	average	average	ADJ
cblr-3006	440	32	electronics	electronic	NOUN
cblr-3006	440	33	store	store	NOUN
cblr-3006	440	34	purchase	purchase	NOUN
cblr-3006	440	35	is	be	AUX
cblr-3006	440	36	increased	increase	VERB
cblr-3006	440	37	to	to	ADP
cblr-3006	440	38	$	$	SYM
cblr-3006	440	39	124.66	124.66	NUM
cblr-3006	440	40	,	,	PUNCT
cblr-3006	440	41	however	however	ADV
cblr-3006	440	42	,	,	PUNCT
cblr-3006	440	43	checks	check	NOUN
cblr-3006	440	44	and	and	CCONJ
cblr-3006	440	45	credit	credit	NOUN
cblr-3006	440	46	/	/	SYM
cblr-3006	440	47	charge	charge	NOUN
cblr-3006	440	48	cards	card	NOUN
cblr-3006	440	49	converge	converge	VERB
cblr-3006	440	50	to	to	ADP
cblr-3006	440	51	roughly	roughly	ADV
cblr-3006	440	52	the	the	DET
cblr-3006	440	53	same	same	ADJ
cblr-3006	440	54	net	net	ADJ
cblr-3006	440	55	social	social	ADJ
cblr-3006	440	56	marginal	marginal	ADJ
cblr-3006	440	57	cost	cost	NOUN
cblr-3006	440	58	(	(	PUNCT
cblr-3006	440	59	$	$	SYM
cblr-3006	440	60	0.61	0.61	NUM
cblr-3006	440	61	for	for	ADP
cblr-3006	440	62	mastercard	mastercard	NOUN
cblr-3006	440	63	and	and	CCONJ
cblr-3006	440	64	visa	visa	NOUN
cblr-3006	440	65	,	,	PUNCT
cblr-3006	440	66	$	$	SYM
cblr-3006	440	67	0.68	0.68	NUM
cblr-3006	440	68	for	for	ADP
cblr-3006	440	69	discover	discover	NOUN
cblr-3006	440	70	and	and	CCONJ
cblr-3006	440	71	american	american	PROPN
cblr-3006	440	72	express	express	PROPN
cblr-3006	440	73	,	,	PUNCT
cblr-3006	440	74	and	and	CCONJ
cblr-3006	440	75	$	$	SYM
cblr-3006	440	76	0.66	0.66	NUM
cblr-3006	440	77	for	for	ADP
cblr-3006	440	78	checks	check	NOUN
cblr-3006	440	79	)	)	PUNCT
cblr-3006	440	80	.	.	PUNCT
cblr-3006	441	1	in	in	ADP
cblr-3006	441	2	this	this	DET
cblr-3006	441	3	scenario	scenario	NOUN
cblr-3006	441	4	,	,	PUNCT
cblr-3006	441	5	signature	signature	NOUN
cblr-3006	441	6	debit	debit	NOUN
cblr-3006	441	7	is	be	AUX
cblr-3006	441	8	calculated	calculate	VERB
cblr-3006	441	9	to	to	PART
cblr-3006	441	10	cost	cost	VERB
cblr-3006	441	11	$	$	SYM
cblr-3006	441	12	1.06	1.06	NUM
cblr-3006	441	13	and	and	CCONJ
cblr-3006	441	14	cash	cash	VERB
cblr-3006	441	15	$	$	SYM
cblr-3006	441	16	1.56	1.56	NUM
cblr-3006	441	17	.	.	PUNCT
cblr-3006	442	1	because	because	SCONJ
cblr-3006	442	2	debit	debit	NOUN
cblr-3006	442	3	cards	card	NOUN
cblr-3006	442	4	have	have	VERB
cblr-3006	442	5	lower	low	ADJ
cblr-3006	442	6	interchange	interchange	NOUN
cblr-3006	442	7	fees	fee	NOUN
cblr-3006	442	8	than	than	ADP
cblr-3006	442	9	credit	credit	NOUN
cblr-3006	442	10	cards	card	NOUN
cblr-3006	442	11	,	,	PUNCT
cblr-3006	442	12	the	the	DET
cblr-3006	442	13	rba	rba	NOUN
cblr-3006	442	14	prefers	prefer	VERB
cblr-3006	442	15	the	the	DET
cblr-3006	442	16	former	former	ADJ
cblr-3006	442	17	to	to	ADP
cblr-3006	442	18	the	the	DET
cblr-3006	442	19	latter	latter	ADJ
cblr-3006	442	20	.	.	PUNCT
cblr-3006	443	1	yet	yet	CCONJ
cblr-3006	443	2	credit	credit	NOUN
cblr-3006	443	3	cards	card	NOUN
cblr-3006	443	4	have	have	VERB
cblr-3006	443	5	benefits	benefit	NOUN
cblr-3006	443	6	that	that	PRON
cblr-3006	443	7	debit	debit	NOUN
cblr-3006	443	8	cards	card	NOUN
cblr-3006	443	9	lack	lack	NOUN
cblr-3006	443	10	,	,	PUNCT
cblr-3006	443	11	including	include	VERB
cblr-3006	443	12	float	float	NOUN
cblr-3006	443	13	,	,	PUNCT
cblr-3006	443	14	rewards	reward	NOUN
cblr-3006	443	15	,	,	PUNCT
cblr-3006	443	16	and	and	CCONJ
cblr-3006	443	17	the	the	DET
cblr-3006	443	18	credit	credit	NOUN
cblr-3006	443	19	option	option	NOUN
cblr-3006	443	20	.	.	PUNCT
cblr-3006	444	1	(	(	PUNCT
cblr-3006	444	2	debit	debit	NOUN
cblr-3006	444	3	cards	card	NOUN
cblr-3006	444	4	do	do	AUX
cblr-3006	444	5	allow	allow	VERB
cblr-3006	444	6	one	one	PRON
cblr-3006	444	7	to	to	PART
cblr-3006	444	8	get	get	VERB
cblr-3006	444	9	cash	cash	NOUN
cblr-3006	444	10	back	back	ADV
cblr-3006	444	11	at	at	ADP
cblr-3006	444	12	the	the	DET
cblr-3006	444	13	register	register	NOUN
cblr-3006	444	14	,	,	PUNCT
cblr-3006	444	15	however	however	ADV
cblr-3006	444	16	,	,	PUNCT
cblr-3006	444	17	a	a	DET
cblr-3006	444	18	feature	feature	NOUN
cblr-3006	444	19	that	that	PRON
cblr-3006	444	20	most	most	ADJ
cblr-3006	444	21	credit	credit	NOUN
cblr-3006	444	22	cards	card	NOUN
cblr-3006	444	23	lack	lack	VERB
cblr-3006	444	24	.	.	PUNCT
cblr-3006	444	25	)	)	PUNCT
cblr-3006	445	1	in	in	ADP
cblr-3006	445	2	measuring	measure	VERB
cblr-3006	445	3	net	net	ADJ
cblr-3006	445	4	social	social	ADJ
cblr-3006	445	5	cost	cost	NOUN
cblr-3006	445	6	,	,	PUNCT
cblr-3006	445	7	the	the	DET
cblr-3006	445	8	aei	aei	PROPN
cblr-3006	445	9	/	/	SYM
cblr-3006	445	10	brookings	brookings	PROPN
cblr-3006	445	11	study	study	NOUN
cblr-3006	445	12	finds	find	VERB
cblr-3006	445	13	that	that	DET
cblr-3006	445	14	debit	debit	NOUN
cblr-3006	445	15	is	be	AUX
cblr-3006	445	16	not	not	PART
cblr-3006	445	17	superior	superior	ADJ
cblr-3006	445	18	to	to	ADP
cblr-3006	445	19	credit.7	credit.7	PROPN
cblr-3006	445	20	"	"	PUNCT
cblr-3006	445	21	overall	overall	ADV
cblr-3006	445	22	,	,	PUNCT
cblr-3006	445	23	once	once	SCONJ
cblr-3006	445	24	the	the	DET
cblr-3006	445	25	full	full	ADJ
cblr-3006	445	26	benefits	benefit	NOUN
cblr-3006	445	27	and	and	CCONJ
cblr-3006	445	28	costs	cost	NOUN
cblr-3006	445	29	of	of	ADP
cblr-3006	445	30	payment	payment	NOUN
cblr-3006	445	31	mechanisms	mechanism	NOUN
cblr-3006	445	32	are	be	AUX
cblr-3006	445	33	estimated	estimate	VERB
cblr-3006	445	34	,	,	PUNCT
cblr-3006	445	35	credit	credit	NOUN
cblr-3006	445	36	and	and	CCONJ
cblr-3006	445	37	charge	charge	NOUN
cblr-3006	445	38	cards	card	NOUN
cblr-3006	445	39	do	do	AUX
cblr-3006	445	40	not	not	PART
cblr-3006	445	41	appear	appear	VERB
cblr-3006	445	42	to	to	PART
cblr-3006	445	43	be	be	AUX
cblr-3006	445	44	at	at	ADP
cblr-3006	445	45	a	a	DET
cblr-3006	445	46	systematic	systematic	ADJ
cblr-3006	445	47	disadvantage	disadvantage	NOUN
cblr-3006	445	48	to	to	ADP
cblr-3006	445	49	alternative	alternative	ADJ
cblr-3006	445	50	payment	payment	NOUN
cblr-3006	445	51	systems	system	NOUN
cblr-3006	445	52	.	.	PUNCT
cblr-3006	446	1	because	because	SCONJ
cblr-3006	446	2	this	this	PRON
cblr-3006	446	3	is	be	AUX
cblr-3006	446	4	the	the	DET
cblr-3006	446	5	best	good	ADJ
cblr-3006	446	6	data	datum	NOUN
cblr-3006	446	7	currently	currently	ADV
cblr-3006	446	8	available	available	ADJ
cblr-3006	446	9	,	,	PUNCT
cblr-3006	446	10	it	it	PRON
cblr-3006	446	11	provides	provide	VERB
cblr-3006	446	12	additional	additional	ADJ
cblr-3006	446	13	evidence	evidence	NOUN
cblr-3006	446	14	that	that	SCONJ
cblr-3006	446	15	the	the	DET
cblr-3006	446	16	rba	rba	NOUN
cblr-3006	446	17	's	's	PART
cblr-3006	446	18	attack	attack	NOUN
cblr-3006	446	19	on	on	ADP
cblr-3006	446	20	interchange	interchange	NOUN
cblr-3006	446	21	fees	fee	NOUN
cblr-3006	446	22	is	be	AUX
cblr-3006	446	23	misplaced	misplace	VERB
cblr-3006	446	24	.	.	PUNCT
cblr-3006	447	1	primarily	primarily	ADV
cblr-3006	447	2	,	,	PUNCT
cblr-3006	447	3	capping	cap	VERB
cblr-3006	447	4	the	the	DET
cblr-3006	447	5	interchange	interchange	NOUN
cblr-3006	447	6	fees	fee	NOUN
cblr-3006	447	7	appears	appear	VERB
cblr-3006	447	8	to	to	PART
cblr-3006	447	9	change	change	VERB
cblr-3006	447	10	the	the	DET
cblr-3006	447	11	wealth	wealth	NOUN
cblr-3006	447	12	"	"	PUNCT
cblr-3006	447	13	i	i	PRON
cblr-3006	447	14	d.	d.	PROPN
cblr-3006	447	15	at	at	ADP
cblr-3006	447	16	67	67	NUM
cblr-3006	447	17	.	.	PUNCT
cblr-3006	448	1	for	for	ADP
cblr-3006	448	2	the	the	DET
cblr-3006	448	3	average	average	ADJ
cblr-3006	448	4	cash	cash	NOUN
cblr-3006	448	5	purchase	purchase	NOUN
cblr-3006	448	6	of	of	ADP
cblr-3006	448	7	$	$	SYM
cblr-3006	448	8	64.98	64.98	NUM
cblr-3006	448	9	,	,	PUNCT
cblr-3006	448	10	checks	check	NOUN
cblr-3006	448	11	have	have	VERB
cblr-3006	448	12	a	a	DET
cblr-3006	448	13	net	net	ADJ
cblr-3006	448	14	social	social	ADJ
cblr-3006	448	15	marginal	marginal	ADJ
cblr-3006	448	16	cost	cost	NOUN
cblr-3006	448	17	of	of	ADP
cblr-3006	448	18	$	$	SYM
cblr-3006	448	19	0.64	0.64	NUM
cblr-3006	448	20	,	,	PUNCT
cblr-3006	448	21	credit	credit	NOUN
cblr-3006	448	22	and	and	CCONJ
cblr-3006	448	23	charge	charge	NOUN
cblr-3006	448	24	cards	card	NOUN
cblr-3006	448	25	are	be	AUX
cblr-3006	448	26	$	$	SYM
cblr-3006	448	27	0.76-$0.79	0.76-$0.79	NUM
cblr-3006	448	28	,	,	PUNCT
cblr-3006	448	29	signature	signature	NOUN
cblr-3006	448	30	debit	debit	NOUN
cblr-3006	448	31	is	be	AUX
cblr-3006	448	32	$	$	SYM
cblr-3006	448	33	0.95	0.95	NUM
cblr-3006	448	34	,	,	PUNCT
cblr-3006	448	35	and	and	CCONJ
cblr-3006	448	36	cash	cash	NOUN
cblr-3006	448	37	is	be	AUX
cblr-3006	448	38	$	$	SYM
cblr-3006	448	39	1.74	1.74	NUM
cblr-3006	448	40	.	.	PUNCT
cblr-3006	449	1	the	the	DET
cblr-3006	449	2	authors	author	NOUN
cblr-3006	449	3	hypothesize	hypothesize	VERB
cblr-3006	449	4	that	that	SCONJ
cblr-3006	449	5	the	the	DET
cblr-3006	449	6	surprising	surprising	ADJ
cblr-3006	449	7	standing	standing	NOUN
cblr-3006	449	8	of	of	ADP
cblr-3006	449	9	checks	check	NOUN
cblr-3006	449	10	relative	relative	ADJ
cblr-3006	449	11	to	to	ADP
cblr-3006	449	12	other	other	ADJ
cblr-3006	449	13	payment	payment	NOUN
cblr-3006	449	14	forms	form	NOUN
cblr-3006	449	15	in	in	ADP
cblr-3006	449	16	electronics	electronic	NOUN
cblr-3006	449	17	stores	store	NOUN
cblr-3006	449	18	may	may	AUX
cblr-3006	449	19	be	be	AUX
cblr-3006	449	20	attributable	attributable	ADJ
cblr-3006	449	21	to	to	ADP
cblr-3006	449	22	an	an	DET
cblr-3006	449	23	anomaly	anomaly	NOUN
cblr-3006	449	24	in	in	ADP
cblr-3006	449	25	the	the	DET
cblr-3006	449	26	data	datum	NOUN
cblr-3006	449	27	set	set	VERB
cblr-3006	449	28	.	.	PUNCT
cblr-3006	450	1	the	the	DET
cblr-3006	450	2	authors	author	NOUN
cblr-3006	450	3	base	base	VERB
cblr-3006	450	4	their	their	PRON
cblr-3006	450	5	study	study	NOUN
cblr-3006	450	6	on	on	ADP
cblr-3006	450	7	non	non	ADJ
cblr-3006	450	8	-	-	ADJ
cblr-3006	450	9	venue	venue	ADJ
cblr-3006	450	10	-	-	PUNCT
cblr-3006	450	11	specific	specific	ADJ
cblr-3006	450	12	check	check	NOUN
cblr-3006	450	13	processing	processing	NOUN
cblr-3006	450	14	costs	cost	NOUN
cblr-3006	450	15	,	,	PUNCT
cblr-3006	450	16	but	but	CCONJ
cblr-3006	450	17	utilize	utilize	VERB
cblr-3006	450	18	venue	venue	NOUN
cblr-3006	450	19	-	-	PUNCT
cblr-3006	450	20	specific	specific	ADJ
cblr-3006	450	21	data	datum	NOUN
cblr-3006	450	22	on	on	ADP
cblr-3006	450	23	bank	bank	NOUN
cblr-3006	450	24	processing	processing	NOUN
cblr-3006	450	25	revenues	revenue	NOUN
cblr-3006	450	26	.	.	PUNCT
cblr-3006	451	1	the	the	DET
cblr-3006	451	2	relatively	relatively	ADV
cblr-3006	451	3	high	high	ADJ
cblr-3006	451	4	per	per	ADP
cblr-3006	451	5	check	check	NOUN
cblr-3006	451	6	revenue	revenue	NOUN
cblr-3006	451	7	at	at	ADP
cblr-3006	451	8	electronics	electronics	NOUN
cblr-3006	451	9	stores	store	NOUN
cblr-3006	451	10	thus	thus	ADV
cblr-3006	451	11	reduces	reduce	VERB
cblr-3006	451	12	the	the	DET
cblr-3006	451	13	net	net	ADJ
cblr-3006	451	14	social	social	ADJ
cblr-3006	451	15	costs	cost	NOUN
cblr-3006	451	16	for	for	ADP
cblr-3006	451	17	checks	check	NOUN
cblr-3006	451	18	when	when	SCONJ
cblr-3006	451	19	compared	compare	VERB
cblr-3006	451	20	against	against	ADP
cblr-3006	451	21	average	average	ADJ
cblr-3006	451	22	(	(	PUNCT
cblr-3006	451	23	that	that	ADV
cblr-3006	451	24	is	is	ADV
cblr-3006	451	25	,	,	PUNCT
cblr-3006	451	26	non	non	ADJ
cblr-3006	451	27	-	-	ADJ
cblr-3006	451	28	venuespecific	venuespecific	ADJ
cblr-3006	451	29	)	)	PUNCT
cblr-3006	451	30	check	check	NOUN
cblr-3006	451	31	processing	processing	NOUN
cblr-3006	451	32	costs	cost	NOUN
cblr-3006	451	33	.	.	PUNCT
cblr-3006	452	1	the	the	DET
cblr-3006	452	2	authors	author	NOUN
cblr-3006	452	3	hypothesize	hypothesize	VERB
cblr-3006	452	4	that	that	PRON
cblr-3006	452	5	venuespecific	venuespecific	NOUN
cblr-3006	452	6	check	check	NOUN
cblr-3006	452	7	processing	processing	NOUN
cblr-3006	452	8	data	datum	NOUN
cblr-3006	452	9	may	may	AUX
cblr-3006	452	10	reveal	reveal	VERB
cblr-3006	452	11	that	that	SCONJ
cblr-3006	452	12	banks	bank	NOUN
cblr-3006	452	13	actually	actually	ADV
cblr-3006	452	14	incur	incur	VERB
cblr-3006	452	15	higher	high	ADJ
cblr-3006	452	16	fraud	fraud	NOUN
cblr-3006	452	17	and	and	CCONJ
cblr-3006	452	18	insufficient	insufficient	ADJ
cblr-3006	452	19	funds	fund	NOUN
cblr-3006	452	20	risks	risk	NOUN
cblr-3006	452	21	with	with	ADP
cblr-3006	452	22	electronics	electronic	NOUN
cblr-3006	452	23	store	store	NOUN
cblr-3006	452	24	transactions	transaction	NOUN
cblr-3006	452	25	,	,	PUNCT
cblr-3006	452	26	and	and	CCONJ
cblr-3006	452	27	therefore	therefore	ADV
cblr-3006	452	28	,	,	PUNCT
cblr-3006	452	29	charge	charge	VERB
cblr-3006	452	30	these	these	DET
cblr-3006	452	31	merchants	merchant	NOUN
cblr-3006	452	32	higher	high	ADJ
cblr-3006	452	33	fees	fee	NOUN
cblr-3006	452	34	for	for	ADP
cblr-3006	452	35	check	check	NOUN
cblr-3006	452	36	processing	processing	NOUN
cblr-3006	452	37	.	.	PUNCT
cblr-3006	453	1	higher	high	ADJ
cblr-3006	453	2	check	check	NOUN
cblr-3006	453	3	processing	processing	NOUN
cblr-3006	453	4	fees	fee	NOUN
cblr-3006	453	5	would	would	AUX
cblr-3006	453	6	,	,	PUNCT
cblr-3006	453	7	or	or	CCONJ
cblr-3006	453	8	course	course	NOUN
cblr-3006	453	9	,	,	PUNCT
cblr-3006	453	10	increase	increase	VERB
cblr-3006	453	11	the	the	DET
cblr-3006	453	12	net	net	ADJ
cblr-3006	453	13	social	social	ADJ
cblr-3006	453	14	marginal	marginal	ADJ
cblr-3006	453	15	cost	cost	NOUN
cblr-3006	453	16	of	of	ADP
cblr-3006	453	17	check	check	NOUN
cblr-3006	453	18	transactions	transaction	NOUN
cblr-3006	453	19	relative	relative	ADJ
cblr-3006	453	20	to	to	ADP
cblr-3006	453	21	other	other	ADJ
cblr-3006	453	22	forms	form	NOUN
cblr-3006	453	23	of	of	ADP
cblr-3006	453	24	payment	payment	NOUN
cblr-3006	453	25	.	.	PUNCT
cblr-3006	454	1	70	70	NUM
cblr-3006	455	1	i	i	PRON
cblr-3006	455	2	d.	d.	PROPN
cblr-3006	455	3	at	at	ADP
cblr-3006	455	4	62	62	NUM
cblr-3006	455	5	.	.	PUNCT
cblr-3006	456	1	no	no	INTJ
cblr-3006	456	2	.	.	PUNCT
cblr-3006	457	1	3:515	3:515	NUM
cblr-3006	457	2	]	]	PUNCT
cblr-3006	457	3	distribution	distribution	NOUN
cblr-3006	457	4	between	between	ADP
cblr-3006	457	5	cardholders	cardholder	NOUN
cblr-3006	457	6	and	and	CCONJ
cblr-3006	457	7	merchants	merchant	NOUN
cblr-3006	457	8	,	,	PUNCT
cblr-3006	457	9	without	without	ADP
cblr-3006	457	10	a	a	DET
cblr-3006	457	11	positive	positive	ADJ
cblr-3006	457	12	effect	effect	NOUN
cblr-3006	457	13	on	on	ADP
cblr-3006	457	14	allocative	allocative	ADJ
cblr-3006	457	15	efficiency	efficiency	NOUN
cblr-3006	457	16	.	.	PUNCT
cblr-3006	458	1	moreover	moreover	ADV
cblr-3006	458	2	,	,	PUNCT
cblr-3006	458	3	the	the	DET
cblr-3006	458	4	rba	rba	NOUN
cblr-3006	458	5	regulation	regulation	NOUN
cblr-3006	458	6	is	be	AUX
cblr-3006	458	7	arbitrary	arbitrary	ADJ
cblr-3006	458	8	.	.	PUNCT
cblr-3006	459	1	the	the	DET
cblr-3006	459	2	rba	rba	NOUN
cblr-3006	459	3	caps	cap	VERB
cblr-3006	459	4	the	the	DET
cblr-3006	459	5	interchange	interchange	NOUN
cblr-3006	459	6	fees	fee	NOUN
cblr-3006	459	7	charged	charge	VERB
cblr-3006	459	8	by	by	ADP
cblr-3006	459	9	the	the	DET
cblr-3006	459	10	cooperative	cooperative	ADJ
cblr-3006	459	11	systems	system	NOUN
cblr-3006	459	12	(	(	PUNCT
cblr-3006	459	13	visa	visa	NOUN
cblr-3006	459	14	and	and	CCONJ
cblr-3006	459	15	mastercard	mastercard	NOUN
cblr-3006	459	16	)	)	PUNCT
cblr-3006	459	17	,	,	PUNCT
cblr-3006	459	18	but	but	CCONJ
cblr-3006	459	19	not	not	PART
cblr-3006	459	20	american	american	PROPN
cblr-3006	459	21	express.7	express.7	PROPN
cblr-3006	459	22	'	'	PUNCT
cblr-3006	459	23	as	as	ADP
cblr-3006	459	24	with	with	ADP
cblr-3006	459	25	the	the	DET
cblr-3006	459	26	visa	visa	NOUN
cblr-3006	459	27	and	and	CCONJ
cblr-3006	459	28	mastercard	mastercard	PROPN
cblr-3006	459	29	networks	network	NOUN
cblr-3006	459	30	,	,	PUNCT
cblr-3006	459	31	american	american	PROPN
cblr-3006	459	32	express	express	PROPN
cblr-3006	459	33	uses	use	VERB
cblr-3006	459	34	the	the	DET
cblr-3006	459	35	merchant	merchant	NOUN
cblr-3006	459	36	discount	discount	NOUN
cblr-3006	459	37	to	to	PART
cblr-3006	459	38	balance	balance	VERB
cblr-3006	459	39	the	the	DET
cblr-3006	459	40	two	two	NUM
cblr-3006	459	41	-	-	PUNCT
cblr-3006	459	42	sided	sided	ADJ
cblr-3006	459	43	payment	payment	NOUN
cblr-3006	459	44	card	card	NOUN
cblr-3006	459	45	market	market	NOUN
cblr-3006	459	46	.	.	PUNCT
cblr-3006	460	1	the	the	DET
cblr-3006	460	2	only	only	ADJ
cblr-3006	460	3	difference	difference	NOUN
cblr-3006	460	4	between	between	ADP
cblr-3006	460	5	integrated	integrate	VERB
cblr-3006	460	6	systems	system	NOUN
cblr-3006	460	7	and	and	CCONJ
cblr-3006	460	8	cooperative	cooperative	ADJ
cblr-3006	460	9	joint	joint	ADJ
cblr-3006	460	10	ventures	venture	NOUN
cblr-3006	460	11	is	be	AUX
cblr-3006	460	12	not	not	PART
cblr-3006	460	13	the	the	DET
cblr-3006	460	14	substance	substance	NOUN
cblr-3006	460	15	of	of	ADP
cblr-3006	460	16	the	the	DET
cblr-3006	460	17	transaction	transaction	NOUN
cblr-3006	460	18	-	-	PUNCT
cblr-3006	460	19	the	the	DET
cblr-3006	460	20	merchant	merchant	NOUN
cblr-3006	460	21	discount	discount	NOUN
cblr-3006	460	22	performs	perform	VERB
cblr-3006	460	23	the	the	DET
cblr-3006	460	24	same	same	ADJ
cblr-3006	460	25	function	function	NOUN
cblr-3006	460	26	in	in	ADP
cblr-3006	460	27	both	both	ADV
cblr-3006	460	28	-	-	PUNCT
cblr-3006	460	29	but	but	CCONJ
cblr-3006	460	30	the	the	DET
cblr-3006	460	31	form	form	NOUN
cblr-3006	460	32	of	of	ADP
cblr-3006	460	33	the	the	DET
cblr-3006	460	34	corporate	corporate	ADJ
cblr-3006	460	35	structure	structure	NOUN
cblr-3006	460	36	used	use	VERB
cblr-3006	460	37	and	and	CCONJ
cblr-3006	460	38	the	the	DET
cblr-3006	460	39	fee	fee	NOUN
cblr-3006	460	40	charged	charge	VERB
cblr-3006	460	41	.	.	PUNCT
cblr-3006	461	1	if	if	SCONJ
cblr-3006	461	2	the	the	DET
cblr-3006	461	3	problem	problem	NOUN
cblr-3006	461	4	is	be	AUX
cblr-3006	461	5	that	that	SCONJ
cblr-3006	461	6	payment	payment	NOUN
cblr-3006	461	7	card	card	NOUN
cblr-3006	461	8	use	use	NOUN
cblr-3006	461	9	is	be	AUX
cblr-3006	461	10	improperly	improperly	ADV
cblr-3006	461	11	subsidized	subsidize	VERB
cblr-3006	461	12	through	through	ADP
cblr-3006	461	13	these	these	DET
cblr-3006	461	14	fees	fee	NOUN
cblr-3006	461	15	,	,	PUNCT
cblr-3006	461	16	then	then	ADV
cblr-3006	461	17	that	that	DET
cblr-3006	461	18	concern	concern	NOUN
cblr-3006	461	19	applies	apply	VERB
cblr-3006	461	20	with	with	ADP
cblr-3006	461	21	equal	equal	ADJ
cblr-3006	461	22	force	force	NOUN
cblr-3006	461	23	to	to	ADP
cblr-3006	461	24	american	american	PROPN
cblr-3006	461	25	express	express	PROPN
cblr-3006	461	26	.	.	PUNCT
cblr-3006	462	1	in	in	ADP
cblr-3006	462	2	fact	fact	NOUN
cblr-3006	462	3	,	,	PUNCT
cblr-3006	462	4	american	american	PROPN
cblr-3006	462	5	express	express	NOUN
cblr-3006	462	6	'	'	PUNCT
cblr-3006	462	7	merchant	merchant	NOUN
cblr-3006	462	8	discount	discount	NOUN
cblr-3006	462	9	is	be	AUX
cblr-3006	462	10	substantially	substantially	ADV
cblr-3006	462	11	higher	high	ADJ
cblr-3006	462	12	than	than	ADP
cblr-3006	462	13	its	its	PRON
cblr-3006	462	14	competitors	competitor	NOUN
cblr-3006	462	15	'	'	PART
cblr-3006	462	16	;	;	PUNCT
cblr-3006	462	17	under	under	ADP
cblr-3006	462	18	the	the	DET
cblr-3006	462	19	rba	rba	NOUN
cblr-3006	462	20	's	's	PART
cblr-3006	462	21	logic	logic	NOUN
cblr-3006	462	22	,	,	PUNCT
cblr-3006	462	23	the	the	DET
cblr-3006	462	24	market	market	NOUN
cblr-3006	462	25	distortion	distortion	NOUN
cblr-3006	462	26	created	create	VERB
cblr-3006	462	27	by	by	ADP
cblr-3006	462	28	excessive	excessive	ADJ
cblr-3006	462	29	merchant	merchant	NOUN
cblr-3006	462	30	discounts	discount	NOUN
cblr-3006	462	31	should	should	AUX
cblr-3006	462	32	not	not	PART
cblr-3006	462	33	be	be	AUX
cblr-3006	462	34	less	less	ADJ
cblr-3006	462	35	for	for	ADP
cblr-3006	462	36	american	american	PROPN
cblr-3006	462	37	express	express	PROPN
cblr-3006	462	38	.	.	PUNCT
cblr-3006	463	1	thus	thus	ADV
cblr-3006	463	2	,	,	PUNCT
cblr-3006	463	3	the	the	DET
cblr-3006	463	4	decision	decision	NOUN
cblr-3006	463	5	by	by	ADP
cblr-3006	463	6	the	the	DET
cblr-3006	463	7	rba	rba	NOUN
cblr-3006	463	8	to	to	PART
cblr-3006	463	9	regulate	regulate	VERB
cblr-3006	463	10	interchange	interchange	NOUN
cblr-3006	463	11	fees	fee	NOUN
cblr-3006	463	12	for	for	ADP
cblr-3006	463	13	visa	visa	NOUN
cblr-3006	463	14	and	and	CCONJ
cblr-3006	463	15	mastercard	mastercard	NOUN
cblr-3006	463	16	,	,	PUNCT
cblr-3006	463	17	but	but	CCONJ
cblr-3006	463	18	not	not	PART
cblr-3006	463	19	american	american	PROPN
cblr-3006	463	20	express	express	PROPN
cblr-3006	463	21	,	,	PUNCT
cblr-3006	463	22	appears	appear	VERB
cblr-3006	463	23	inexplicable.72	inexplicable.72	PROPN
cblr-3006	463	24	c.	c.	PROPN
cblr-3006	463	25	the	the	DET
cblr-3006	463	26	impact	impact	NOUN
cblr-3006	463	27	of	of	ADP
cblr-3006	463	28	suppressing	suppress	VERB
cblr-3006	463	29	interchange	interchange	NOUN
cblr-3006	463	30	fees	fee	NOUN
cblr-3006	463	31	regulating	regulate	VERB
cblr-3006	463	32	interchange	interchange	NOUN
cblr-3006	463	33	fees	fee	NOUN
cblr-3006	463	34	will	will	AUX
cblr-3006	463	35	have	have	VERB
cblr-3006	463	36	harmful	harmful	ADJ
cblr-3006	463	37	effects	effect	NOUN
cblr-3006	463	38	.	.	PUNCT
cblr-3006	464	1	first	first	ADV
cblr-3006	464	2	,	,	PUNCT
cblr-3006	464	3	losing	lose	VERB
cblr-3006	464	4	these	these	DET
cblr-3006	464	5	revenues	revenue	NOUN
cblr-3006	464	6	will	will	AUX
cblr-3006	464	7	force	force	VERB
cblr-3006	464	8	card	card	VERB
cblr-3006	464	9	issuers	issuer	NOUN
cblr-3006	464	10	to	to	PART
cblr-3006	464	11	decrease	decrease	VERB
cblr-3006	464	12	their	their	PRON
cblr-3006	464	13	costs	cost	NOUN
cblr-3006	464	14	,	,	PUNCT
cblr-3006	464	15	either	either	CCONJ
cblr-3006	464	16	by	by	ADP
cblr-3006	464	17	reducing	reduce	VERB
cblr-3006	464	18	card	card	NOUN
cblr-3006	464	19	benefits	benefit	NOUN
cblr-3006	464	20	or	or	CCONJ
cblr-3006	464	21	increasing	increase	VERB
cblr-3006	464	22	the	the	DET
cblr-3006	464	23	revenues	revenue	NOUN
cblr-3006	464	24	that	that	PRON
cblr-3006	464	25	they	they	PRON
cblr-3006	464	26	receive	receive	VERB
cblr-3006	464	27	directly	directly	ADV
cblr-3006	464	28	from	from	ADP
cblr-3006	464	29	consumers	consumer	NOUN
cblr-3006	464	30	(	(	PUNCT
cblr-3006	464	31	e.g.	e.g.	ADV
cblr-3006	464	32	,	,	PUNCT
cblr-3006	464	33	through	through	ADP
cblr-3006	464	34	higher	high	ADJ
cblr-3006	464	35	annual	annual	ADJ
cblr-3006	464	36	fees	fee	NOUN
cblr-3006	464	37	,	,	PUNCT
cblr-3006	464	38	finance	finance	NOUN
cblr-3006	464	39	charges	charge	NOUN
cblr-3006	464	40	,	,	PUNCT
cblr-3006	464	41	and	and	CCONJ
cblr-3006	464	42	penalty	penalty	NOUN
cblr-3006	464	43	fees	fee	NOUN
cblr-3006	464	44	)	)	PUNCT
cblr-3006	464	45	.	.	PUNCT
cblr-3006	465	1	evans	evans	PROPN
cblr-3006	465	2	and	and	CCONJ
cblr-3006	465	3	schmalensee	schmalensee	PROPN
cblr-3006	465	4	illustrate	illustrate	VERB
cblr-3006	465	5	the	the	DET
cblr-3006	465	6	tradeoff	tradeoff	NOUN
cblr-3006	465	7	between	between	ADP
cblr-3006	465	8	interchange	interchange	NOUN
cblr-3006	465	9	fees	fee	NOUN
cblr-3006	465	10	and	and	CCONJ
cblr-3006	465	11	other	other	ADJ
cblr-3006	465	12	issuer	issuer	NOUN
cblr-3006	465	13	revenue	revenue	NOUN
cblr-3006	465	14	streams	stream	NOUN
cblr-3006	465	15	as	as	SCONJ
cblr-3006	465	16	follows	follow	VERB
cblr-3006	465	17	.	.	PUNCT
cblr-3006	466	1	in	in	ADP
cblr-3006	466	2	1983	1983	NUM
cblr-3006	466	3	,	,	PUNCT
cblr-3006	466	4	the	the	DET
cblr-3006	466	5	visa	visa	NOUN
cblr-3006	466	6	interchange	interchange	NOUN
cblr-3006	466	7	fee	fee	NOUN
cblr-3006	466	8	was	be	AUX
cblr-3006	466	9	1.6	1.6	NUM
cblr-3006	466	10	%	%	NOUN
cblr-3006	466	11	,	,	PUNCT
cblr-3006	466	12	the	the	DET
cblr-3006	466	13	average	average	ADJ
cblr-3006	466	14	merchant	merchant	NOUN
cblr-3006	466	15	discount	discount	NOUN
cblr-3006	466	16	rate	rate	NOUN
cblr-3006	466	17	was	be	AUX
cblr-3006	466	18	2.3	2.3	NUM
cblr-3006	466	19	%	%	NOUN
cblr-3006	466	20	,	,	PUNCT
cblr-3006	466	21	the	the	DET
cblr-3006	466	22	average	average	ADJ
cblr-3006	466	23	annual	annual	ADJ
cblr-3006	466	24	fee	fee	NOUN
cblr-3006	466	25	for	for	ADP
cblr-3006	466	26	cardholders	cardholder	NOUN
cblr-3006	466	27	was	be	AUX
cblr-3006	466	28	$	$	SYM
cblr-3006	466	29	16.86	16.86	NUM
cblr-3006	466	30	,	,	PUNCT
cblr-3006	466	31	and	and	CCONJ
cblr-3006	466	32	the	the	DET
cblr-3006	466	33	charge	charge	NOUN
cblr-3006	466	34	volume	volume	NOUN
cblr-3006	466	35	per	per	ADP
cblr-3006	466	36	account	account	NOUN
cblr-3006	466	37	was	be	AUX
cblr-3006	466	38	$	$	SYM
cblr-3006	466	39	1,720	1,720	NUM
cblr-3006	466	40	.	.	PUNCT
cblr-3006	467	1	if	if	SCONJ
cblr-3006	467	2	the	the	DET
cblr-3006	467	3	interchange	interchange	NOUN
cblr-3006	467	4	7	7	NUM
cblr-3006	467	5	discover	discover	NOUN
cblr-3006	467	6	does	do	AUX
cblr-3006	467	7	not	not	PART
cblr-3006	467	8	operate	operate	VERB
cblr-3006	467	9	in	in	ADP
cblr-3006	467	10	australia	australia	PROPN
cblr-3006	467	11	.	.	PUNCT
cblr-3006	468	1	72	72	NUM
cblr-3006	468	2	garcia	garcia	PROPN
cblr-3006	468	3	swartz	swartz	PROPN
cblr-3006	468	4	et	et	PROPN
cblr-3006	468	5	al	al	PROPN
cblr-3006	468	6	.	.	PROPN
cblr-3006	468	7	find	find	VERB
cblr-3006	468	8	no	no	DET
cblr-3006	468	9	systematic	systematic	ADJ
cblr-3006	468	10	difference	difference	NOUN
cblr-3006	468	11	between	between	ADP
cblr-3006	468	12	discover	discover	PROPN
cblr-3006	468	13	,	,	PUNCT
cblr-3006	468	14	american	american	PROPN
cblr-3006	468	15	express	express	PROPN
cblr-3006	468	16	,	,	PUNCT
cblr-3006	468	17	visa	visa	NOUN
cblr-3006	468	18	,	,	PUNCT
cblr-3006	468	19	and	and	CCONJ
cblr-3006	468	20	mastercard	mastercard	PROPN
cblr-3006	468	21	in	in	ADP
cblr-3006	468	22	terms	term	NOUN
cblr-3006	468	23	of	of	ADP
cblr-3006	468	24	net	net	ADJ
cblr-3006	468	25	social	social	ADJ
cblr-3006	468	26	cost	cost	NOUN
cblr-3006	468	27	.	.	PUNCT
cblr-3006	469	1	garcia	garcia	PROPN
cblr-3006	469	2	swartz	swartz	PROPN
cblr-3006	469	3	et	et	PROPN
cblr-3006	469	4	al	al	PROPN
cblr-3006	469	5	.	.	PROPN
cblr-3006	469	6	,	,	PUNCT
cblr-3006	469	7	supra	supra	PROPN
cblr-3006	469	8	note	note	NOUN
cblr-3006	469	9	30	30	NUM
cblr-3006	469	10	,	,	PUNCT
cblr-3006	469	11	at	at	ADP
cblr-3006	469	12	62	62	NUM
cblr-3006	469	13	-	-	SYM
cblr-3006	469	14	63	63	NUM
cblr-3006	469	15	.	.	PUNCT
cblr-3006	470	1	col	col	PROPN
cblr-3006	470	2	umbia	umbia	PROPN
cblr-3006	470	3	b	b	PROPN
cblr-3006	470	4	usiness	usiness	PROPN
cblr-3006	470	5	la	la	PROPN
cblr-3006	470	6	w	w	PROPN
cblr-3006	470	7	re	re	PROPN
cblr-3006	470	8	vie	vie	PROPN
cblr-3006	470	9	w	w	PROPN
cblr-3006	471	1	[	[	X
cblr-3006	471	2	vol	vol	NOUN
cblr-3006	471	3	.	.	PUNCT
cblr-3006	471	4	2005	2005	NUM
cblr-3006	471	5	the	the	DET
cblr-3006	471	6	economics	economic	NOUN
cblr-3006	471	7	of	of	ADP
cblr-3006	471	8	two	two	NUM
cblr-3006	471	9	-	-	PUNCT
cblr-3006	471	10	sided	sided	ADJ
cblr-3006	471	11	markets	market	NOUN
cblr-3006	471	12	fee	fee	NOUN
cblr-3006	471	13	had	have	AUX
cblr-3006	471	14	been	be	AUX
cblr-3006	471	15	$	$	SYM
cblr-3006	471	16	0	0	NUM
cblr-3006	471	17	,	,	PUNCT
cblr-3006	471	18	then	then	ADV
cblr-3006	471	19	the	the	DET
cblr-3006	471	20	merchant	merchant	NOUN
cblr-3006	471	21	discount	discount	NOUN
cblr-3006	471	22	rate	rate	NOUN
cblr-3006	471	23	would	would	AUX
cblr-3006	471	24	have	have	AUX
cblr-3006	471	25	been	be	AUX
cblr-3006	471	26	0.7	0.7	NUM
cblr-3006	471	27	%	%	NOUN
cblr-3006	471	28	and	and	CCONJ
cblr-3006	471	29	the	the	DET
cblr-3006	471	30	annual	annual	ADJ
cblr-3006	471	31	fee	fee	NOUN
cblr-3006	471	32	for	for	ADP
cblr-3006	471	33	cardholders	cardholder	NOUN
cblr-3006	471	34	would	would	AUX
cblr-3006	471	35	have	have	AUX
cblr-3006	471	36	had	have	VERB
cblr-3006	471	37	to	to	PART
cblr-3006	471	38	almost	almost	ADV
cblr-3006	471	39	triple	triple	ADV
cblr-3006	471	40	to	to	ADP
cblr-3006	471	41	$	$	SYM
cblr-3006	471	42	44.38	44.38	NUM
cblr-3006	471	43	to	to	PART
cblr-3006	471	44	keep	keep	VERB
cblr-3006	471	45	the	the	DET
cblr-3006	471	46	average	average	ADJ
cblr-3006	471	47	issuer	issuer	NOUN
cblr-3006	471	48	's	's	PART
cblr-3006	471	49	revenues	revenue	NOUN
cblr-3006	471	50	constant.73	constant.73	VERB
cblr-3006	471	51	alternatively	alternatively	ADV
cblr-3006	471	52	,	,	PUNCT
cblr-3006	471	53	issuers	issuer	NOUN
cblr-3006	471	54	would	would	AUX
cblr-3006	471	55	have	have	AUX
cblr-3006	471	56	had	have	VERB
cblr-3006	471	57	to	to	PART
cblr-3006	471	58	increase	increase	VERB
cblr-3006	471	59	finance	finance	NOUN
cblr-3006	471	60	or	or	CCONJ
cblr-3006	471	61	other	other	ADJ
cblr-3006	471	62	charges	charge	NOUN
cblr-3006	471	63	levied	levy	VERB
cblr-3006	471	64	on	on	ADP
cblr-3006	471	65	consumers	consumer	NOUN
cblr-3006	471	66	.	.	PUNCT
cblr-3006	472	1	of	of	ADP
cblr-3006	472	2	course	course	NOUN
cblr-3006	472	3	,	,	PUNCT
cblr-3006	472	4	such	such	ADJ
cblr-3006	472	5	dramatic	dramatic	ADJ
cblr-3006	472	6	increases	increase	NOUN
cblr-3006	472	7	would	would	AUX
cblr-3006	472	8	likely	likely	ADV
cblr-3006	472	9	decrease	decrease	VERB
cblr-3006	472	10	card	card	NOUN
cblr-3006	472	11	ownership	ownership	NOUN
cblr-3006	472	12	,	,	PUNCT
cblr-3006	472	13	and	and	CCONJ
cblr-3006	472	14	especially	especially	ADV
cblr-3006	472	15	multiple	multiple	ADJ
cblr-3006	472	16	card	card	NOUN
cblr-3006	472	17	ownership	ownership	NOUN
cblr-3006	472	18	,	,	PUNCT
cblr-3006	472	19	which	which	PRON
cblr-3006	472	20	would	would	AUX
cblr-3006	472	21	thereby	thereby	ADV
cblr-3006	472	22	reduce	reduce	VERB
cblr-3006	472	23	competition	competition	NOUN
cblr-3006	472	24	in	in	ADP
cblr-3006	472	25	the	the	DET
cblr-3006	472	26	payment	payment	NOUN
cblr-3006	472	27	card	card	NOUN
cblr-3006	472	28	market	market	NOUN
cblr-3006	472	29	.	.	PUNCT
cblr-3006	473	1	given	give	VERB
cblr-3006	473	2	the	the	DET
cblr-3006	473	3	presence	presence	NOUN
cblr-3006	473	4	of	of	ADP
cblr-3006	473	5	alternative	alternative	ADJ
cblr-3006	473	6	payment	payment	NOUN
cblr-3006	473	7	methods	method	NOUN
cblr-3006	473	8	,	,	PUNCT
cblr-3006	473	9	many	many	ADJ
cblr-3006	473	10	consumers	consumer	NOUN
cblr-3006	473	11	would	would	AUX
cblr-3006	473	12	avoid	avoid	VERB
cblr-3006	473	13	cards	card	NOUN
cblr-3006	473	14	rather	rather	ADV
cblr-3006	473	15	than	than	ADP
cblr-3006	473	16	pay	pay	VERB
cblr-3006	473	17	more	more	ADJ
cblr-3006	473	18	.	.	PUNCT
cblr-3006	474	1	as	as	ADP
cblr-3006	474	2	with	with	ADP
cblr-3006	474	3	price	price	NOUN
cblr-3006	474	4	controls	control	NOUN
cblr-3006	474	5	throughout	throughout	ADP
cblr-3006	474	6	history	history	NOUN
cblr-3006	474	7	,	,	PUNCT
cblr-3006	474	8	this	this	DET
cblr-3006	474	9	distortion	distortion	NOUN
cblr-3006	474	10	would	would	AUX
cblr-3006	474	11	force	force	VERB
cblr-3006	474	12	issuers	issuer	NOUN
cblr-3006	474	13	and	and	CCONJ
cblr-3006	474	14	consumers	consumer	NOUN
cblr-3006	474	15	to	to	PART
cblr-3006	474	16	make	make	VERB
cblr-3006	474	17	choices	choice	NOUN
cblr-3006	474	18	that	that	PRON
cblr-3006	474	19	they	they	PRON
cblr-3006	474	20	would	would	AUX
cblr-3006	474	21	have	have	AUX
cblr-3006	474	22	preferred	prefer	VERB
cblr-3006	474	23	to	to	PART
cblr-3006	474	24	avoid	avoid	VERB
cblr-3006	474	25	.	.	PUNCT
cblr-3006	475	1	although	although	SCONJ
cblr-3006	475	2	the	the	DET
cblr-3006	475	3	market	market	NOUN
cblr-3006	475	4	is	be	AUX
cblr-3006	475	5	still	still	ADV
cblr-3006	475	6	adjusting	adjust	VERB
cblr-3006	475	7	to	to	ADP
cblr-3006	475	8	the	the	DET
cblr-3006	475	9	regulatory	regulatory	ADJ
cblr-3006	475	10	change	change	NOUN
cblr-3006	475	11	,	,	PUNCT
cblr-3006	475	12	the	the	DET
cblr-3006	475	13	evidence	evidence	NOUN
cblr-3006	475	14	from	from	ADP
cblr-3006	475	15	australia	australia	PROPN
cblr-3006	475	16	thus	thus	ADV
cblr-3006	475	17	far	far	ADV
cblr-3006	475	18	is	be	AUX
cblr-3006	475	19	consistent	consistent	ADJ
cblr-3006	475	20	with	with	ADP
cblr-3006	475	21	the	the	DET
cblr-3006	475	22	conclusion	conclusion	NOUN
cblr-3006	475	23	that	that	SCONJ
cblr-3006	475	24	the	the	DET
cblr-3006	475	25	controls	control	NOUN
cblr-3006	475	26	on	on	ADP
cblr-3006	475	27	interchange	interchange	NOUN
cblr-3006	475	28	fees	fee	NOUN
cblr-3006	475	29	have	have	AUX
cblr-3006	475	30	harmed	harm	VERB
cblr-3006	475	31	consumers	consumer	NOUN
cblr-3006	475	32	directly	directly	ADV
cblr-3006	475	33	and	and	CCONJ
cblr-3006	475	34	had	have	VERB
cblr-3006	475	35	a	a	DET
cblr-3006	475	36	detrimental	detrimental	ADJ
cblr-3006	475	37	impact	impact	NOUN
cblr-3006	475	38	on	on	ADP
cblr-3006	475	39	competition	competition	NOUN
cblr-3006	475	40	.	.	PUNCT
cblr-3006	476	1	4	4	NUM
cblr-3006	476	2	if	if	SCONJ
cblr-3006	476	3	issuers	issuer	NOUN
cblr-3006	476	4	receive	receive	VERB
cblr-3006	476	5	less	less	ADJ
cblr-3006	476	6	from	from	ADP
cblr-3006	476	7	merchants	merchant	NOUN
cblr-3006	476	8	then	then	ADV
cblr-3006	476	9	they	they	PRON
cblr-3006	476	10	must	must	AUX
cblr-3006	476	11	receive	receive	VERB
cblr-3006	476	12	more	more	ADJ
cblr-3006	476	13	from	from	ADP
cblr-3006	476	14	consumers	consumer	NOUN
cblr-3006	476	15	or	or	CCONJ
cblr-3006	476	16	reduce	reduce	VERB
cblr-3006	476	17	the	the	DET
cblr-3006	476	18	benefits	benefit	NOUN
cblr-3006	476	19	that	that	PRON
cblr-3006	476	20	consumers	consumer	NOUN
cblr-3006	476	21	receive	receive	VERB
cblr-3006	476	22	.	.	PUNCT
cblr-3006	477	1	in	in	ADP
cblr-3006	477	2	fact	fact	NOUN
cblr-3006	477	3	,	,	PUNCT
cblr-3006	477	4	issuers	issuer	NOUN
cblr-3006	477	5	have	have	AUX
cblr-3006	477	6	increased	increase	VERB
cblr-3006	477	7	annual	annual	ADJ
cblr-3006	477	8	and	and	CCONJ
cblr-3006	477	9	other	other	ADJ
cblr-3006	477	10	fees.75	fees.75	ADJ
cblr-3006	477	11	following	follow	VERB
cblr-3006	477	12	the	the	DET
cblr-3006	477	13	imposition	imposition	NOUN
cblr-3006	477	14	of	of	ADP
cblr-3006	477	15	cost	cost	NOUN
cblr-3006	477	16	-	-	PUNCT
cblr-3006	477	17	based	base	VERB
cblr-3006	477	18	price	price	NOUN
cblr-3006	477	19	caps	cap	NOUN
cblr-3006	477	20	on	on	ADP
cblr-3006	477	21	interchange	interchange	NOUN
cblr-3006	477	22	fees	fee	NOUN
cblr-3006	477	23	,	,	PUNCT
cblr-3006	477	24	bank	bank	NOUN
cblr-3006	477	25	fee	fee	NOUN
cblr-3006	477	26	income	income	NOUN
cblr-3006	477	27	from	from	ADP
cblr-3006	477	28	credit	credit	NOUN
cblr-3006	477	29	cards	card	NOUN
cblr-3006	477	30	increased	increase	VERB
cblr-3006	477	31	30	30	NUM
cblr-3006	477	32	-	-	SYM
cblr-3006	477	33	35	35	NUM
cblr-3006	477	34	%	%	NOUN
cblr-3006	477	35	in	in	ADP
cblr-3006	477	36	2003	2003	NUM
cblr-3006	477	37	,	,	PUNCT
cblr-3006	477	38	including	include	VERB
cblr-3006	477	39	a	a	DET
cblr-3006	477	40	small	small	ADJ
cblr-3006	477	41	increase	increase	NOUN
cblr-3006	477	42	in	in	ADP
cblr-3006	477	43	annual	annual	ADJ
cblr-3006	477	44	fees.76	fees.76	PROPN
cblr-3006	477	45	issuers	issuer	NOUN
cblr-3006	477	46	appear	appear	VERB
cblr-3006	477	47	to	to	PART
cblr-3006	477	48	have	have	AUX
cblr-3006	477	49	increased	increase	VERB
cblr-3006	477	50	late	late	ADJ
cblr-3006	477	51	payment	payment	NOUN
cblr-3006	477	52	fees	fee	NOUN
cblr-3006	477	53	and	and	CCONJ
cblr-3006	477	54	tightened	tighten	VERB
cblr-3006	477	55	their	their	PRON
cblr-3006	477	56	collection	collection	NOUN
cblr-3006	477	57	procedures	procedure	NOUN
cblr-3006	477	58	.	.	PUNCT
cblr-3006	478	1	banks	bank	NOUN
cblr-3006	478	2	have	have	AUX
cblr-3006	478	3	also	also	ADV
cblr-3006	478	4	reduced	reduce	VERB
cblr-3006	478	5	cardholder	cardholder	NOUN
cblr-3006	478	6	benefits	benefit	NOUN
cblr-3006	478	7	.	.	PUNCT
cblr-3006	479	1	they	they	PRON
cblr-3006	479	2	have	have	AUX
cblr-3006	479	3	increased	increase	VERB
cblr-3006	479	4	the	the	DET
cblr-3006	479	5	spending	spending	NOUN
cblr-3006	479	6	levels	level	NOUN
cblr-3006	479	7	required	require	VERB
cblr-3006	479	8	to	to	PART
cblr-3006	479	9	obtain	obtain	VERB
cblr-3006	479	10	particular	particular	ADJ
cblr-3006	479	11	rewards	reward	NOUN
cblr-3006	479	12	and	and	CCONJ
cblr-3006	479	13	have	have	AUX
cblr-3006	479	14	capped	cap	VERB
cblr-3006	479	15	the	the	DET
cblr-3006	479	16	reward	reward	NOUN
cblr-3006	479	17	13	13	NUM
cblr-3006	479	18	evans	evans	PROPN
cblr-3006	479	19	&	&	CCONJ
cblr-3006	479	20	schmalensee	schmalensee	PROPN
cblr-3006	479	21	,	,	PUNCT
cblr-3006	479	22	supra	supra	PROPN
cblr-3006	479	23	note	note	NOUN
cblr-3006	479	24	2	2	NUM
cblr-3006	479	25	,	,	PUNCT
cblr-3006	479	26	at	at	ADP
cblr-3006	479	27	156	156	NUM
cblr-3006	479	28	.	.	PUNCT
cblr-3006	480	1	14	14	NUM
cblr-3006	480	2	reserve	reserve	PROPN
cblr-3006	480	3	bank	bank	PROPN
cblr-3006	480	4	of	of	ADP
cblr-3006	480	5	australia	australia	PROPN
cblr-3006	480	6	payment	payment	NOUN
cblr-3006	480	7	sys	sys	PROPN
cblr-3006	480	8	.	.	PUNCT
cblr-3006	480	9	board	board	PROPN
cblr-3006	480	10	,	,	PUNCT
cblr-3006	480	11	annual	annual	ADJ
cblr-3006	480	12	report	report	NOUN
cblr-3006	480	13	11	11	NUM
cblr-3006	480	14	(	(	PUNCT
cblr-3006	480	15	2004	2004	NUM
cblr-3006	480	16	)	)	PUNCT
cblr-3006	480	17	.	.	PUNCT
cblr-3006	481	1	the	the	DET
cblr-3006	481	2	rba	rba	NOUN
cblr-3006	481	3	also	also	ADV
cblr-3006	481	4	appeared	appear	VERB
cblr-3006	481	5	to	to	PART
cblr-3006	481	6	have	have	AUX
cblr-3006	481	7	failed	fail	VERB
cblr-3006	481	8	in	in	ADP
cblr-3006	481	9	its	its	PRON
cblr-3006	481	10	goal	goal	NOUN
cblr-3006	481	11	of	of	ADP
cblr-3006	481	12	forcing	force	VERB
cblr-3006	481	13	consumers	consumer	NOUN
cblr-3006	481	14	to	to	PART
cblr-3006	481	15	face	face	VERB
cblr-3006	481	16	the	the	DET
cblr-3006	481	17	marginal	marginal	ADJ
cblr-3006	481	18	costs	cost	NOUN
cblr-3006	481	19	of	of	ADP
cblr-3006	481	20	credit	credit	NOUN
cblr-3006	481	21	card	card	NOUN
cblr-3006	481	22	use	use	NOUN
cblr-3006	481	23	.	.	PUNCT
cblr-3006	482	1	see	see	VERB
cblr-3006	482	2	evans	evans	PROPN
cblr-3006	482	3	and	and	CCONJ
cblr-3006	482	4	schmalensee	schmalensee	PROPN
cblr-3006	482	5	,	,	PUNCT
cblr-3006	482	6	the	the	DET
cblr-3006	482	7	economics	economic	NOUN
cblr-3006	482	8	of	of	ADP
cblr-3006	482	9	interchange	interchange	NOUN
cblr-3006	482	10	fees	fee	NOUN
cblr-3006	482	11	and	and	CCONJ
cblr-3006	482	12	their	their	PRON
cblr-3006	482	13	regulation	regulation	NOUN
cblr-3006	482	14	:	:	PUNCT
cblr-3006	482	15	an	an	DET
cblr-3006	482	16	overview	overview	NOUN
cblr-3006	482	17	(	(	PUNCT
cblr-3006	482	18	aei	aei	ADJ
cblr-3006	482	19	-	-	PUNCT
cblr-3006	482	20	brookings	brookings	PROPN
cblr-3006	482	21	institute	institute	NOUN
cblr-3006	482	22	,	,	PUNCT
cblr-3006	482	23	working	working	NOUN
cblr-3006	482	24	paper	paper	NOUN
cblr-3006	482	25	,	,	PUNCT
cblr-3006	482	26	2005	2005	NUM
cblr-3006	482	27	)	)	PUNCT
cblr-3006	482	28	.	.	PUNCT
cblr-3006	483	1	15	15	NUM
cblr-3006	483	2	see	see	VERB
cblr-3006	483	3	howard	howard	PROPN
cblr-3006	483	4	h.	h.	PROPN
cblr-3006	483	5	chang	chang	PROPN
cblr-3006	483	6	,	,	PUNCT
cblr-3006	483	7	david	david	PROPN
cblr-3006	483	8	s.	s.	PROPN
cblr-3006	483	9	evans	evans	PROPN
cblr-3006	483	10	,	,	PUNCT
cblr-3006	483	11	&	&	CCONJ
cblr-3006	483	12	daniel	daniel	PROPN
cblr-3006	483	13	d.	d.	PROPN
cblr-3006	483	14	garcia	garcia	PROPN
cblr-3006	483	15	swartz	swartz	PROPN
cblr-3006	483	16	,	,	PUNCT
cblr-3006	483	17	an	an	DET
cblr-3006	483	18	assessment	assessment	NOUN
cblr-3006	483	19	of	of	ADP
cblr-3006	483	20	the	the	DET
cblr-3006	483	21	reserve	reserve	PROPN
cblr-3006	483	22	bank	bank	PROPN
cblr-3006	483	23	of	of	ADP
cblr-3006	483	24	australia	australia	PROPN
cblr-3006	483	25	's	's	PART
cblr-3006	483	26	interchange	interchange	NOUN
cblr-3006	483	27	fee	fee	NOUN
cblr-3006	483	28	regulation	regulation	NOUN
cblr-3006	483	29	(	(	PUNCT
cblr-3006	483	30	forthcoming	forthcoming	ADJ
cblr-3006	483	31	)	)	PUNCT
cblr-3006	483	32	,	,	PUNCT
cblr-3006	483	33	available	available	ADJ
cblr-3006	483	34	at	at	ADP
cblr-3006	483	35	http://www.newyorkfed.org/	http://www.newyorkfed.org/	ADJ
cblr-3006	483	36	research	research	NOUN
cblr-3006	483	37	/	/	SYM
cblr-3006	483	38	conference/2005	conference/2005	PROPN
cblr-3006	483	39	/	/	SYM
cblr-3006	483	40	antitrustchang	antitrustchang	PROPN
cblr-3006	483	41	-	-	PUNCT
cblr-3006	483	42	evans	evans	PROPN
cblr-3006	483	43	-	-	PUNCT
cblr-3006	483	44	garcia.pdf	garcia.pdf	PROPN
cblr-3006	483	45	.	.	NOUN
cblr-3006	484	1	16	16	NUM
cblr-3006	485	1	i	i	PRON
cblr-3006	485	2	d.	d.	PROPN
cblr-3006	485	3	at	at	ADP
cblr-3006	485	4	31	31	NUM
cblr-3006	485	5	-	-	SYM
cblr-3006	485	6	32	32	NUM
cblr-3006	485	7	.	.	PUNCT
cblr-3006	486	1	no	no	INTJ
cblr-3006	486	2	.	.	PUNCT
cblr-3006	487	1	3:515	3:515	NUM
cblr-3006	487	2	]	]	PUNCT
cblr-3006	487	3	points	point	NOUN
cblr-3006	487	4	available	available	ADJ
cblr-3006	487	5	in	in	ADP
cblr-3006	487	6	a	a	DET
cblr-3006	487	7	year	year	NOUN
cblr-3006	487	8	(	(	PUNCT
cblr-3006	487	9	e.g.	e.g.	ADV
cblr-3006	487	10	,	,	PUNCT
cblr-3006	487	11	by	by	ADP
cblr-3006	487	12	increasing	increase	VERB
cblr-3006	487	13	the	the	DET
cblr-3006	487	14	miles	mile	NOUN
cblr-3006	487	15	necessary	necessary	ADJ
cblr-3006	487	16	for	for	ADP
cblr-3006	487	17	free	free	ADJ
cblr-3006	487	18	airline	airline	NOUN
cblr-3006	487	19	tickets	ticket	NOUN
cblr-3006	487	20	and	and	CCONJ
cblr-3006	487	21	capping	cap	VERB
cblr-3006	487	22	the	the	DET
cblr-3006	487	23	number	number	NOUN
cblr-3006	487	24	of	of	ADP
cblr-3006	487	25	miles	mile	NOUN
cblr-3006	487	26	that	that	PRON
cblr-3006	487	27	can	can	AUX
cblr-3006	487	28	be	be	AUX
cblr-3006	487	29	accumulated).77	accumulated).77	ADJ
cblr-3006	487	30	because	because	SCONJ
cblr-3006	487	31	the	the	DET
cblr-3006	487	32	rule	rule	NOUN
cblr-3006	487	33	applies	apply	VERB
cblr-3006	487	34	only	only	ADV
cblr-3006	487	35	to	to	ADP
cblr-3006	487	36	the	the	DET
cblr-3006	487	37	cooperative	cooperative	ADJ
cblr-3006	487	38	systems	system	NOUN
cblr-3006	487	39	,	,	PUNCT
cblr-3006	487	40	the	the	DET
cblr-3006	487	41	evidence	evidence	NOUN
cblr-3006	487	42	also	also	ADV
cblr-3006	487	43	reveals	reveal	VERB
cblr-3006	487	44	that	that	SCONJ
cblr-3006	487	45	visa	visa	NOUN
cblr-3006	487	46	and	and	CCONJ
cblr-3006	487	47	mastercard	mastercard	PROPN
cblr-3006	487	48	have	have	AUX
cblr-3006	487	49	been	be	AUX
cblr-3006	487	50	disadvantaged	disadvantage	VERB
cblr-3006	487	51	relative	relative	ADJ
cblr-3006	487	52	to	to	ADP
cblr-3006	487	53	american	american	PROPN
cblr-3006	487	54	express	express	PROPN
cblr-3006	487	55	.	.	PUNCT
cblr-3006	488	1	the	the	DET
cblr-3006	488	2	rba	rba	NOUN
cblr-3006	488	3	dramatically	dramatically	ADV
cblr-3006	488	4	reduced	reduce	VERB
cblr-3006	488	5	the	the	DET
cblr-3006	488	6	interchange	interchange	NOUN
cblr-3006	488	7	fee	fee	NOUN
cblr-3006	488	8	for	for	ADP
cblr-3006	488	9	the	the	DET
cblr-3006	488	10	cooperatives	cooperative	NOUN
cblr-3006	488	11	,	,	PUNCT
cblr-3006	488	12	from	from	ADP
cblr-3006	488	13	0.95	0.95	NUM
cblr-3006	488	14	%	%	NOUN
cblr-3006	488	15	of	of	ADP
cblr-3006	488	16	the	the	DET
cblr-3006	488	17	transaction	transaction	NOUN
cblr-3006	488	18	value	value	NOUN
cblr-3006	488	19	down	down	ADV
cblr-3006	488	20	to	to	ADP
cblr-3006	488	21	0.55	0.55	NUM
cblr-3006	488	22	%	%	NOUN
cblr-3006	488	23	of	of	ADP
cblr-3006	488	24	the	the	DET
cblr-3006	488	25	transaction	transaction	NOUN
cblr-3006	488	26	value	value	NOUN
cblr-3006	488	27	.	.	PUNCT
cblr-3006	489	1	the	the	DET
cblr-3006	489	2	merchant	merchant	NOUN
cblr-3006	489	3	discount	discount	NOUN
cblr-3006	489	4	declined	decline	VERB
cblr-3006	489	5	by	by	ADP
cblr-3006	489	6	a	a	DET
cblr-3006	489	7	similar	similar	ADJ
cblr-3006	489	8	amount	amount	NOUN
cblr-3006	489	9	,	,	PUNCT
cblr-3006	489	10	from	from	ADP
cblr-3006	489	11	1.41	1.41	NUM
cblr-3006	489	12	%	%	NOUN
cblr-3006	489	13	to	to	PART
cblr-3006	489	14	0.99	0.99	NUM
cblr-3006	489	15	%	%	NOUN
cblr-3006	489	16	.	.	PUNCT
cblr-3006	490	1	by	by	ADP
cblr-3006	490	2	contrast	contrast	NOUN
cblr-3006	490	3	,	,	PUNCT
cblr-3006	490	4	the	the	DET
cblr-3006	490	5	discount	discount	NOUN
cblr-3006	490	6	rate	rate	NOUN
cblr-3006	490	7	for	for	ADP
cblr-3006	490	8	the	the	DET
cblr-3006	490	9	major	major	ADJ
cblr-3006	490	10	integrated	integrate	VERB
cblr-3006	490	11	system	system	NOUN
cblr-3006	490	12	,	,	PUNCT
cblr-3006	490	13	american	american	PROPN
cblr-3006	490	14	express	express	PROPN
cblr-3006	490	15	,	,	PUNCT
cblr-3006	490	16	fell	fall	VERB
cblr-3006	490	17	only	only	ADV
cblr-3006	490	18	to	to	ADP
cblr-3006	490	19	2.37	2.37	NUM
cblr-3006	490	20	%	%	NOUN
cblr-3006	490	21	from	from	ADP
cblr-3006	490	22	2.5	2.5	NUM
cblr-3006	490	23	%	%	NOUN
cblr-3006	490	24	.	.	PUNCT
cblr-3006	491	1	moreover	moreover	ADV
cblr-3006	491	2	,	,	PUNCT
cblr-3006	491	3	although	although	SCONJ
cblr-3006	491	4	issuers	issuer	NOUN
cblr-3006	491	5	reduced	reduce	VERB
cblr-3006	491	6	the	the	DET
cblr-3006	491	7	benefits	benefit	NOUN
cblr-3006	491	8	available	available	ADJ
cblr-3006	491	9	to	to	ADP
cblr-3006	491	10	mastercard	mastercard	PROPN
cblr-3006	491	11	and	and	CCONJ
cblr-3006	491	12	visa	visa	NOUN
cblr-3006	491	13	cardholders	cardholder	NOUN
cblr-3006	491	14	,	,	PUNCT
cblr-3006	491	15	there	there	PRON
cblr-3006	491	16	is	be	VERB
cblr-3006	491	17	no	no	DET
cblr-3006	491	18	evidence	evidence	NOUN
cblr-3006	491	19	that	that	SCONJ
cblr-3006	491	20	cardholders	cardholder	NOUN
cblr-3006	491	21	of	of	ADP
cblr-3006	491	22	the	the	DET
cblr-3006	491	23	integrated	integrate	VERB
cblr-3006	491	24	issuers	issuer	NOUN
cblr-3006	491	25	have	have	AUX
cblr-3006	491	26	suffered	suffer	VERB
cblr-3006	491	27	similar	similar	ADJ
cblr-3006	491	28	cuts	cut	NOUN
cblr-3006	491	29	.	.	PUNCT
cblr-3006	492	1	in	in	ADP
cblr-3006	492	2	fact	fact	NOUN
cblr-3006	492	3	,	,	PUNCT
cblr-3006	492	4	american	american	PROPN
cblr-3006	492	5	express	express	NOUN
cblr-3006	492	6	'	'	PUNCT
cblr-3006	492	7	market	market	NOUN
cblr-3006	492	8	share	share	NOUN
cblr-3006	492	9	has	have	AUX
cblr-3006	492	10	increased	increase	VERB
cblr-3006	492	11	significantly.79	significantly.79	NOUN
cblr-3006	492	12	as	as	SCONJ
cblr-3006	492	13	experience	experience	NOUN
cblr-3006	492	14	in	in	ADP
cblr-3006	492	15	the	the	DET
cblr-3006	492	16	united	united	PROPN
cblr-3006	492	17	states	states	PROPN
cblr-3006	492	18	suggests	suggest	VERB
cblr-3006	492	19	,	,	PUNCT
cblr-3006	492	20	an	an	DET
cblr-3006	492	21	adjustment	adjustment	NOUN
cblr-3006	492	22	as	as	ADP
cblr-3006	492	23	seemingly	seemingly	ADV
cblr-3006	492	24	simple	simple	ADJ
cblr-3006	492	25	as	as	ADP
cblr-3006	492	26	raising	raise	VERB
cblr-3006	492	27	annual	annual	ADJ
cblr-3006	492	28	fees	fee	NOUN
cblr-3006	492	29	can	can	AUX
cblr-3006	492	30	have	have	VERB
cblr-3006	492	31	profound	profound	ADJ
cblr-3006	492	32	effects	effect	NOUN
cblr-3006	492	33	.	.	PUNCT
cblr-3006	493	1	during	during	ADP
cblr-3006	493	2	the	the	DET
cblr-3006	493	3	1970s	1970	NOUN
cblr-3006	493	4	and	and	CCONJ
cblr-3006	493	5	early	early	ADJ
cblr-3006	493	6	1980s	1980s	NUM
cblr-3006	493	7	,	,	PUNCT
cblr-3006	493	8	high	high	ADJ
cblr-3006	493	9	inflation	inflation	NOUN
cblr-3006	493	10	increasingly	increasingly	ADV
cblr-3006	493	11	caused	cause	VERB
cblr-3006	493	12	credit	credit	NOUN
cblr-3006	493	13	card	card	NOUN
cblr-3006	493	14	interest	interest	NOUN
cblr-3006	493	15	rates	rate	NOUN
cblr-3006	493	16	to	to	PART
cblr-3006	493	17	bump	bump	VERB
cblr-3006	493	18	up	up	ADP
cblr-3006	493	19	against	against	ADP
cblr-3006	493	20	state	state	NOUN
cblr-3006	493	21	-	-	PUNCT
cblr-3006	493	22	imposed	impose	VERB
cblr-3006	493	23	usury	usury	NOUN
cblr-3006	493	24	ceilings	ceiling	NOUN
cblr-3006	493	25	.	.	PUNCT
cblr-3006	494	1	faced	face	VERB
cblr-3006	494	2	with	with	ADP
cblr-3006	494	3	the	the	DET
cblr-3006	494	4	inability	inability	NOUN
cblr-3006	494	5	to	to	PART
cblr-3006	494	6	charge	charge	VERB
cblr-3006	494	7	market	market	NOUN
cblr-3006	494	8	interest	interest	NOUN
cblr-3006	494	9	rates	rate	NOUN
cblr-3006	494	10	,	,	PUNCT
cblr-3006	494	11	credit	credit	NOUN
cblr-3006	494	12	card	card	NOUN
cblr-3006	494	13	issuers	issuer	NOUN
cblr-3006	494	14	turned	turn	VERB
cblr-3006	494	15	elsewhere	elsewhere	ADV
cblr-3006	494	16	for	for	ADP
cblr-3006	494	17	revenues	revenue	NOUN
cblr-3006	494	18	.	.	PUNCT
cblr-3006	495	1	80	80	NUM
cblr-3006	495	2	in	in	ADP
cblr-3006	495	3	particular	particular	ADJ
cblr-3006	495	4	,	,	PUNCT
cblr-3006	495	5	credit	credit	NOUN
cblr-3006	495	6	card	card	NOUN
cblr-3006	495	7	issuers	issuer	NOUN
cblr-3006	495	8	began	begin	VERB
cblr-3006	495	9	to	to	PART
cblr-3006	495	10	impose	impose	VERB
cblr-3006	495	11	annual	annual	ADJ
cblr-3006	495	12	fees	fee	NOUN
cblr-3006	495	13	to	to	PART
cblr-3006	495	14	supplement	supplement	VERB
cblr-3006	495	15	interest	interest	NOUN
cblr-3006	495	16	income.8	income.8	PROPN
cblr-3006	495	17	"	"	PUNCT
cblr-3006	495	18	following	follow	VERB
cblr-3006	495	19	the	the	DET
cblr-3006	495	20	imposition	imposition	NOUN
cblr-3006	495	21	of	of	ADP
cblr-3006	495	22	annual	annual	ADJ
cblr-3006	495	23	fees	fee	NOUN
cblr-3006	495	24	,	,	PUNCT
cblr-3006	495	25	17	17	NUM
cblr-3006	495	26	reserve	reserve	PROPN
cblr-3006	495	27	bank	bank	PROPN
cblr-3006	495	28	of	of	ADP
cblr-3006	495	29	australia	australia	PROPN
cblr-3006	495	30	,	,	PUNCT
cblr-3006	495	31	supra	supra	PROPN
cblr-3006	495	32	note	note	NOUN
cblr-3006	495	33	74	74	NUM
cblr-3006	495	34	,	,	PUNCT
cblr-3006	495	35	at	at	ADP
cblr-3006	495	36	11	11	NUM
cblr-3006	495	37	.	.	PUNCT
cblr-3006	496	1	78	78	NUM
cblr-3006	496	2	see	see	VERB
cblr-3006	496	3	chang	chang	PROPN
cblr-3006	496	4	et	et	PROPN
cblr-3006	496	5	al	al	PROPN
cblr-3006	496	6	.	.	PROPN
cblr-3006	496	7	,	,	PUNCT
cblr-3006	496	8	supra	supra	PROPN
cblr-3006	496	9	note	note	NOUN
cblr-3006	496	10	75	75	NUM
cblr-3006	496	11	,	,	PUNCT
cblr-3006	496	12	at	at	ADP
cblr-3006	496	13	1	1	NUM
cblr-3006	496	14	.	.	PUNCT
cblr-3006	496	15	"	"	PUNCT
cblr-3006	497	1	see	see	VERB
cblr-3006	497	2	klein	klein	PROPN
cblr-3006	497	3	et	et	PROPN
cblr-3006	497	4	al	al	PROPN
cblr-3006	497	5	.	.	PROPN
cblr-3006	497	6	,	,	PUNCT
cblr-3006	497	7	supra	supra	PROPN
cblr-3006	497	8	note	note	NOUN
cblr-3006	497	9	2	2	NUM
cblr-3006	497	10	,	,	PUNCT
cblr-3006	497	11	at	at	ADP
cblr-3006	497	12	28	28	NUM
cblr-3006	497	13	-	-	SYM
cblr-3006	497	14	30	30	NUM
cblr-3006	497	15	(	(	PUNCT
cblr-3006	497	16	american	american	PROPN
cblr-3006	497	17	express	express	ADJ
cblr-3006	497	18	and	and	CCONJ
cblr-3006	497	19	diner	diner	NOUN
cblr-3006	497	20	's	's	PART
cblr-3006	497	21	club	club	NOUN
cblr-3006	497	22	shares	share	NOUN
cblr-3006	497	23	increased	increase	VERB
cblr-3006	497	24	from	from	ADP
cblr-3006	497	25	14.6	14.6	NUM
cblr-3006	497	26	%	%	NOUN
cblr-3006	497	27	to	to	ADP
cblr-3006	497	28	at	at	ADV
cblr-3006	497	29	least	least	ADV
cblr-3006	497	30	16.5	16.5	NUM
cblr-3006	497	31	%	%	NOUN
cblr-3006	497	32	)	)	PUNCT
cblr-3006	497	33	.	.	PUNCT
cblr-3006	498	1	the	the	DET
cblr-3006	498	2	corresponding	corresponding	ADJ
cblr-3006	498	3	decline	decline	NOUN
cblr-3006	498	4	in	in	ADP
cblr-3006	498	5	visa	visa	NOUN
cblr-3006	498	6	and	and	CCONJ
cblr-3006	498	7	mastercard	mastercard	NOUN
cblr-3006	498	8	shares	share	NOUN
cblr-3006	498	9	when	when	SCONJ
cblr-3006	498	10	the	the	DET
cblr-3006	498	11	interchange	interchange	NOUN
cblr-3006	498	12	fee	fee	NOUN
cblr-3006	498	13	decreased	decrease	VERB
cblr-3006	498	14	is	be	AUX
cblr-3006	498	15	inconsistent	inconsistent	ADJ
cblr-3006	498	16	with	with	ADP
cblr-3006	498	17	the	the	DET
cblr-3006	498	18	argument	argument	NOUN
cblr-3006	498	19	that	that	SCONJ
cblr-3006	498	20	the	the	DET
cblr-3006	498	21	higher	high	ADJ
cblr-3006	498	22	interchange	interchange	NOUN
cblr-3006	498	23	fee	fee	NOUN
cblr-3006	498	24	before	before	SCONJ
cblr-3006	498	25	regulation	regulation	NOUN
cblr-3006	498	26	evidenced	evidence	VERB
cblr-3006	498	27	market	market	NOUN
cblr-3006	498	28	power	power	NOUN
cblr-3006	498	29	.	.	PUNCT
cblr-3006	499	1	i	i	PRON
cblr-3006	499	2	d.	d.	PROPN
cblr-3006	499	3	at	at	ADP
cblr-3006	499	4	52	52	NUM
cblr-3006	499	5	-	-	SYM
cblr-3006	499	6	53	53	NUM
cblr-3006	499	7	.	.	PUNCT
cblr-3006	500	1	'	'	NUM
cblr-3006	500	2	0	0	NUM
cblr-3006	500	3	issuers	issuer	NOUN
cblr-3006	500	4	also	also	ADV
cblr-3006	500	5	adopted	adopt	VERB
cblr-3006	500	6	stricter	strict	ADJ
cblr-3006	500	7	lending	lending	NOUN
cblr-3006	500	8	policies	policy	NOUN
cblr-3006	500	9	and	and	CCONJ
cblr-3006	500	10	rationed	ration	VERB
cblr-3006	500	11	credit	credit	NOUN
cblr-3006	500	12	more	more	ADV
cblr-3006	500	13	tightly	tightly	ADV
cblr-3006	500	14	.	.	PUNCT
cblr-3006	501	1	glenn	glenn	PROPN
cblr-3006	501	2	b.	b.	PROPN
cblr-3006	501	3	canner	canner	PROPN
cblr-3006	501	4	&	&	CCONJ
cblr-3006	501	5	charles	charles	PROPN
cblr-3006	501	6	a.	a.	PROPN
cblr-3006	501	7	luckett	luckett	PROPN
cblr-3006	501	8	,	,	PUNCT
cblr-3006	501	9	developments	development	NOUN
cblr-3006	501	10	in	in	ADP
cblr-3006	501	11	the	the	DET
cblr-3006	501	12	pricing	pricing	NOUN
cblr-3006	501	13	of	of	ADP
cblr-3006	501	14	credit	credit	NOUN
cblr-3006	501	15	card	card	NOUN
cblr-3006	501	16	services	service	NOUN
cblr-3006	501	17	,	,	PUNCT
cblr-3006	501	18	78	78	NUM
cblr-3006	501	19	fed	feed	VERB
cblr-3006	501	20	.	.	PUNCT
cblr-3006	502	1	res	re	NOUN
cblr-3006	502	2	.	.	PUNCT
cblr-3006	503	1	bull	bull	NOUN
cblr-3006	503	2	.	.	PUNCT
cblr-3006	504	1	652	652	NUM
cblr-3006	504	2	,	,	PUNCT
cblr-3006	504	3	654	654	NUM
cblr-3006	504	4	(	(	PUNCT
cblr-3006	504	5	1992	1992	NUM
cblr-3006	504	6	)	)	PUNCT
cblr-3006	504	7	.	.	PUNCT
cblr-3006	505	1	81	81	NUM
cblr-3006	506	1	i	i	PRON
cblr-3006	506	2	d.	d.	PROPN
cblr-3006	507	1	[	[	X
cblr-3006	507	2	vol	vol	NOUN
cblr-3006	507	3	.	.	PUNCT
cblr-3006	508	1	2005colum4bia	2005colum4bia	NUM
cblr-3006	509	1	b	b	X
cblr-3006	509	2	usiness	usiness	NOUN
cblr-3006	509	3	la	la	PROPN
cblr-3006	509	4	w	w	PROPN
cblr-3006	509	5	re	re	PROPN
cblr-3006	509	6	vie	vie	PROPN
cblr-3006	509	7	w	w	PROPN
cblr-3006	509	8	however	however	ADV
cblr-3006	509	9	,	,	PUNCT
cblr-3006	509	10	consumers	consumer	NOUN
cblr-3006	509	11	canceled	cancel	VERB
cblr-3006	509	12	over	over	ADP
cblr-3006	509	13	nine	nine	NUM
cblr-3006	509	14	million	million	NUM
cblr-3006	509	15	credit	credit	NOUN
cblr-3006	509	16	cards	card	NOUN
cblr-3006	509	17	,	,	PUNCT
cblr-3006	509	18	or	or	CCONJ
cblr-3006	509	19	roughly	roughly	ADV
cblr-3006	509	20	eight	eight	NUM
cblr-3006	509	21	percent	percent	NOUN
cblr-3006	509	22	of	of	ADP
cblr-3006	509	23	the	the	DET
cblr-3006	509	24	cards	card	NOUN
cblr-3006	509	25	then	then	ADV
cblr-3006	509	26	outstanding	outstanding	ADJ
cblr-3006	509	27	.	.	PUNCT
cblr-3006	509	28	"	"	PUNCT
cblr-3006	510	1	in	in	ADP
cblr-3006	510	2	1978	1978	NUM
cblr-3006	510	3	,	,	PUNCT
cblr-3006	510	4	the	the	DET
cblr-3006	510	5	supreme	supreme	PROPN
cblr-3006	510	6	court	court	PROPN
cblr-3006	510	7	decided	decide	VERB
cblr-3006	510	8	marquette	marquette	PROPN
cblr-3006	510	9	national	national	PROPN
cblr-3006	510	10	bank	bank	PROPN
cblr-3006	510	11	v.	v.	PROPN
cblr-3006	510	12	omaha	omaha	PROPN
cblr-3006	510	13	service	service	PROPN
cblr-3006	510	14	corp	corp	PROPN
cblr-3006	510	15	.	.	PROPN
cblr-3006	510	16	,83	,83	PUNCT
cblr-3006	510	17	which	which	PRON
cblr-3006	510	18	fostered	foster	VERB
cblr-3006	510	19	a	a	DET
cblr-3006	510	20	dramatic	dramatic	ADJ
cblr-3006	510	21	increase	increase	NOUN
cblr-3006	510	22	in	in	ADP
cblr-3006	510	23	competition	competition	NOUN
cblr-3006	510	24	within	within	ADP
cblr-3006	510	25	the	the	DET
cblr-3006	510	26	payment	payment	NOUN
cblr-3006	510	27	card	card	NOUN
cblr-3006	510	28	industry	industry	NOUN
cblr-3006	510	29	.	.	PUNCT
cblr-3006	511	1	prior	prior	ADV
cblr-3006	511	2	to	to	ADP
cblr-3006	511	3	marquette	marquette	NOUN
cblr-3006	511	4	,	,	PUNCT
cblr-3006	511	5	interest	interest	NOUN
cblr-3006	511	6	rates	rate	NOUN
cblr-3006	511	7	on	on	ADP
cblr-3006	511	8	unsecured	unsecured	ADJ
cblr-3006	511	9	credit	credit	NOUN
cblr-3006	511	10	such	such	ADJ
cblr-3006	511	11	as	as	ADP
cblr-3006	511	12	payment	payment	NOUN
cblr-3006	511	13	cards	card	NOUN
cblr-3006	511	14	faced	face	VERB
cblr-3006	511	15	strict	strict	ADJ
cblr-3006	511	16	usury	usury	NOUN
cblr-3006	511	17	restrictions	restriction	NOUN
cblr-3006	511	18	in	in	ADP
cblr-3006	511	19	many	many	ADJ
cblr-3006	511	20	states	state	NOUN
cblr-3006	511	21	,	,	PUNCT
cblr-3006	511	22	with	with	ADP
cblr-3006	511	23	the	the	DET
cblr-3006	511	24	state	state	NOUN
cblr-3006	511	25	in	in	ADP
cblr-3006	511	26	which	which	PRON
cblr-3006	511	27	the	the	DET
cblr-3006	511	28	cardholder	cardholder	NOUN
cblr-3006	511	29	resided	reside	VERB
cblr-3006	511	30	setting	set	VERB
cblr-3006	511	31	the	the	DET
cblr-3006	511	32	rates	rate	NOUN
cblr-3006	511	33	.	.	PUNCT
cblr-3006	512	1	strict	strict	ADJ
cblr-3006	512	2	usury	usury	NOUN
cblr-3006	512	3	laws	law	NOUN
cblr-3006	512	4	had	have	VERB
cblr-3006	512	5	severe	severe	ADJ
cblr-3006	512	6	effects	effect	NOUN
cblr-3006	512	7	.	.	PUNCT
cblr-3006	513	1	first	first	ADV
cblr-3006	513	2	,	,	PUNCT
cblr-3006	513	3	when	when	SCONJ
cblr-3006	513	4	lenders	lender	NOUN
cblr-3006	513	5	could	could	AUX
cblr-3006	513	6	not	not	PART
cblr-3006	513	7	achieve	achieve	VERB
cblr-3006	513	8	a	a	DET
cblr-3006	513	9	market	market	NOUN
cblr-3006	513	10	rate	rate	NOUN
cblr-3006	513	11	of	of	ADP
cblr-3006	513	12	return	return	NOUN
cblr-3006	513	13	they	they	PRON
cblr-3006	513	14	rationed	ration	VERB
cblr-3006	513	15	credit	credit	NOUN
cblr-3006	513	16	,	,	PUNCT
cblr-3006	513	17	especially	especially	ADV
cblr-3006	513	18	to	to	ADP
cblr-3006	513	19	high	high	ADJ
cblr-3006	513	20	risk	risk	NOUN
cblr-3006	513	21	borrowers	borrower	NOUN
cblr-3006	513	22	.	.	PUNCT
cblr-3006	514	1	the	the	DET
cblr-3006	514	2	evidence	evidence	NOUN
cblr-3006	514	3	demonstrates	demonstrate	VERB
cblr-3006	514	4	that	that	SCONJ
cblr-3006	514	5	these	these	DET
cblr-3006	514	6	restrictions	restriction	NOUN
cblr-3006	514	7	reduced	reduce	VERB
cblr-3006	514	8	the	the	DET
cblr-3006	514	9	amount	amount	NOUN
cblr-3006	514	10	of	of	ADP
cblr-3006	514	11	unsecured	unsecured	ADJ
cblr-3006	514	12	credit	credit	NOUN
cblr-3006	514	13	available	available	ADJ
cblr-3006	514	14	to	to	ADP
cblr-3006	514	15	consumers	consumer	NOUN
cblr-3006	514	16	.	.	PUNCT
cblr-3006	515	1	4	4	NUM
cblr-3006	515	2	second	second	ADJ
cblr-3006	515	3	,	,	PUNCT
cblr-3006	515	4	and	and	CCONJ
cblr-3006	515	5	more	more	ADV
cblr-3006	515	6	important	important	ADJ
cblr-3006	515	7	for	for	ADP
cblr-3006	515	8	the	the	DET
cblr-3006	515	9	interchange	interchange	NOUN
cblr-3006	515	10	debate	debate	NOUN
cblr-3006	515	11	,	,	PUNCT
cblr-3006	515	12	annual	annual	ADJ
cblr-3006	515	13	fees	fee	NOUN
cblr-3006	515	14	on	on	ADP
cblr-3006	515	15	payment	payment	NOUN
cblr-3006	515	16	cards	card	NOUN
cblr-3006	515	17	were	be	AUX
cblr-3006	515	18	introduced	introduce	VERB
cblr-3006	515	19	to	to	PART
cblr-3006	515	20	compensate	compensate	VERB
cblr-3006	515	21	for	for	ADP
cblr-3006	515	22	revenue	revenue	NOUN
cblr-3006	515	23	losses	loss	NOUN
cblr-3006	515	24	from	from	ADP
cblr-3006	515	25	the	the	DET
cblr-3006	515	26	banks	bank	NOUN
cblr-3006	515	27	'	'	PART
cblr-3006	515	28	inability	inability	NOUN
cblr-3006	515	29	to	to	PART
cblr-3006	515	30	charge	charge	VERB
cblr-3006	515	31	market	market	NOUN
cblr-3006	515	32	interest	interest	NOUN
cblr-3006	515	33	rates	rate	NOUN
cblr-3006	515	34	,	,	PUNCT
cblr-3006	515	35	thereby	thereby	ADV
cblr-3006	515	36	circumventing	circumvent	VERB
cblr-3006	515	37	interest	interest	NOUN
cblr-3006	515	38	rate	rate	NOUN
cblr-3006	515	39	ceilings	ceiling	NOUN
cblr-3006	515	40	.	.	PUNCT
cblr-3006	515	41	"	"	PUNCT
cblr-3006	516	1	82	82	NUM
cblr-3006	517	1	i	i	PROPN
cblr-3006	517	2	d.	d.	PROPN
cblr-3006	517	3	439	439	NUM
cblr-3006	517	4	u.s	u.s	PROPN
cblr-3006	517	5	.	.	PROPN
cblr-3006	517	6	299	299	NUM
cblr-3006	517	7	(	(	PUNCT
cblr-3006	517	8	1978	1978	NUM
cblr-3006	517	9	)	)	PUNCT
cblr-3006	517	10	.	.	PUNCT
cblr-3006	518	1	84	84	NUM
cblr-3006	518	2	see	see	VERB
cblr-3006	518	3	christopher	christopher	PROPN
cblr-3006	518	4	c.	c.	PROPN
cblr-3006	518	5	demuth	demuth	PROPN
cblr-3006	518	6	,	,	PUNCT
cblr-3006	518	7	the	the	DET
cblr-3006	518	8	case	case	NOUN
cblr-3006	518	9	against	against	ADP
cblr-3006	518	10	credit	credit	NOUN
cblr-3006	518	11	card	card	NOUN
cblr-3006	518	12	interest	interest	NOUN
cblr-3006	518	13	rate	rate	NOUN
cblr-3006	518	14	regulation	regulation	NOUN
cblr-3006	518	15	,	,	PUNCT
cblr-3006	518	16	3	3	NUM
cblr-3006	518	17	yale	yale	PROPN
cblr-3006	518	18	j.	j.	PROPN
cblr-3006	518	19	on	on	ADP
cblr-3006	518	20	reg	reg	PROPN
cblr-3006	518	21	.	.	PUNCT
cblr-3006	519	1	201	201	NUM
cblr-3006	519	2	,	,	PUNCT
cblr-3006	519	3	217	217	NUM
cblr-3006	519	4	(	(	PUNCT
cblr-3006	519	5	1986	1986	NUM
cblr-3006	519	6	)	)	PUNCT
cblr-3006	519	7	;	;	PUNCT
cblr-3006	519	8	see	see	VERB
cblr-3006	519	9	also	also	ADV
cblr-3006	519	10	donna	donna	PROPN
cblr-3006	519	11	craig	craig	PROPN
cblr-3006	519	12	vandenbrink	vandenbrink	PROPN
cblr-3006	519	13	,	,	PUNCT
cblr-3006	519	14	the	the	DET
cblr-3006	519	15	effects	effect	NOUN
cblr-3006	519	16	of	of	ADP
cblr-3006	519	17	usury	usury	NOUN
cblr-3006	519	18	ceilings	ceiling	NOUN
cblr-3006	519	19	:	:	PUNCT
cblr-3006	519	20	the	the	DET
cblr-3006	519	21	economic	economic	ADJ
cblr-3006	519	22	evidence	evidence	NOUN
cblr-3006	519	23	(	(	PUNCT
cblr-3006	519	24	federal	federal	PROPN
cblr-3006	519	25	reserve	reserve	PROPN
cblr-3006	519	26	bank	bank	PROPN
cblr-3006	519	27	of	of	ADP
cblr-3006	519	28	chicago	chicago	PROPN
cblr-3006	519	29	,	,	PUNCT
cblr-3006	519	30	working	working	NOUN
cblr-3006	519	31	paper	paper	NOUN
cblr-3006	519	32	,	,	PUNCT
cblr-3006	519	33	1982	1982	NUM
cblr-3006	519	34	)	)	PUNCT
cblr-3006	519	35	.	.	PUNCT
cblr-3006	520	1	85	85	NUM
cblr-3006	520	2	see	see	VERB
cblr-3006	520	3	canner	canner	NOUN
cblr-3006	520	4	&	&	CCONJ
cblr-3006	520	5	luckett	luckett	PROPN
cblr-3006	520	6	,	,	PUNCT
cblr-3006	520	7	supra	supra	PROPN
cblr-3006	520	8	note	note	PROPN
cblr-3006	520	9	80	80	NUM
cblr-3006	520	10	,	,	PUNCT
cblr-3006	520	11	at	at	ADP
cblr-3006	520	12	654	654	NUM
cblr-3006	520	13	;	;	PUNCT
cblr-3006	520	14	demuth	demuth	NOUN
cblr-3006	520	15	,	,	PUNCT
cblr-3006	520	16	supra	supra	PROPN
cblr-3006	520	17	note	note	PROPN
cblr-3006	520	18	85	85	NUM
cblr-3006	520	19	,	,	PUNCT
cblr-3006	520	20	at	at	ADP
cblr-3006	520	21	218	218	NUM
cblr-3006	520	22	(	(	PUNCT
cblr-3006	520	23	"	"	PUNCT
cblr-3006	520	24	for	for	ADP
cblr-3006	520	25	example	example	NOUN
cblr-3006	520	26	,	,	PUNCT
cblr-3006	520	27	if	if	SCONJ
cblr-3006	520	28	interest	interest	NOUN
cblr-3006	520	29	rates	rate	NOUN
cblr-3006	520	30	on	on	ADP
cblr-3006	520	31	credit	credit	NOUN
cblr-3006	520	32	cards	card	NOUN
cblr-3006	520	33	are	be	AUX
cblr-3006	520	34	set	set	VERB
cblr-3006	520	35	at	at	ADP
cblr-3006	520	36	below	below	ADP
cblr-3006	520	37	the	the	DET
cblr-3006	520	38	cost	cost	NOUN
cblr-3006	520	39	of	of	ADP
cblr-3006	520	40	funds	fund	NOUN
cblr-3006	520	41	but	but	CCONJ
cblr-3006	520	42	annual	annual	ADJ
cblr-3006	520	43	fees	fee	NOUN
cblr-3006	520	44	are	be	AUX
cblr-3006	520	45	not	not	PART
cblr-3006	520	46	controlled	control	VERB
cblr-3006	520	47	,	,	PUNCT
cblr-3006	520	48	issuers	issuer	NOUN
cblr-3006	520	49	may	may	AUX
cblr-3006	520	50	raise	raise	VERB
cblr-3006	520	51	their	their	PRON
cblr-3006	520	52	fees	fee	NOUN
cblr-3006	520	53	in	in	ADP
cblr-3006	520	54	an	an	DET
cblr-3006	520	55	effort	effort	NOUN
cblr-3006	520	56	to	to	PART
cblr-3006	520	57	meet	meet	VERB
cblr-3006	520	58	their	their	PRON
cblr-3006	520	59	costs	cost	NOUN
cblr-3006	520	60	.	.	PUNCT
cblr-3006	521	1	if	if	SCONJ
cblr-3006	521	2	such	such	ADJ
cblr-3006	521	3	pricing	pricing	NOUN
cblr-3006	521	4	responses	response	NOUN
cblr-3006	521	5	are	be	AUX
cblr-3006	521	6	feasible	feasible	ADJ
cblr-3006	521	7	,	,	PUNCT
cblr-3006	521	8	price	price	NOUN
cblr-3006	521	9	controls	control	NOUN
cblr-3006	521	10	will	will	AUX
cblr-3006	521	11	be	be	AUX
cblr-3006	521	12	circumvented	circumvent	VERB
cblr-3006	521	13	.	.	PUNCT
cblr-3006	522	1	consumers	consumer	NOUN
cblr-3006	522	2	will	will	AUX
cblr-3006	522	3	be	be	AUX
cblr-3006	522	4	worse	bad	ADJ
cblr-3006	522	5	off	off	ADV
cblr-3006	522	6	than	than	ADP
cblr-3006	522	7	before	before	ADV
cblr-3006	522	8	,	,	PUNCT
cblr-3006	522	9	however	however	ADV
cblr-3006	522	10	,	,	PUNCT
cblr-3006	522	11	since	since	SCONJ
cblr-3006	522	12	the	the	DET
cblr-3006	522	13	new	new	ADJ
cblr-3006	522	14	pricing	pricing	NOUN
cblr-3006	522	15	system	system	NOUN
cblr-3006	522	16	will	will	AUX
cblr-3006	522	17	be	be	AUX
cblr-3006	522	18	less	less	ADV
cblr-3006	522	19	efficient	efficient	ADJ
cblr-3006	522	20	and	and	CCONJ
cblr-3006	522	21	hence	hence	ADV
cblr-3006	522	22	more	more	ADV
cblr-3006	522	23	costly	costly	ADJ
cblr-3006	522	24	than	than	ADP
cblr-3006	522	25	the	the	DET
cblr-3006	522	26	one	one	NOUN
cblr-3006	522	27	it	it	PRON
cblr-3006	522	28	replaced	replace	VERB
cblr-3006	522	29	.	.	PUNCT
cblr-3006	523	1	"	"	PUNCT
cblr-3006	523	2	)	)	PUNCT
cblr-3006	523	3	.	.	PUNCT
cblr-3006	524	1	early	early	ADJ
cblr-3006	524	2	efforts	effort	NOUN
cblr-3006	524	3	to	to	PART
cblr-3006	524	4	impose	impose	VERB
cblr-3006	524	5	annual	annual	ADJ
cblr-3006	524	6	fees	fee	NOUN
cblr-3006	524	7	on	on	ADP
cblr-3006	524	8	credit	credit	NOUN
cblr-3006	524	9	cards	card	NOUN
cblr-3006	524	10	were	be	AUX
cblr-3006	524	11	constrained	constrain	VERB
cblr-3006	524	12	by	by	ADP
cblr-3006	524	13	the	the	DET
cblr-3006	524	14	feared	fear	VERB
cblr-3006	524	15	competitive	competitive	ADJ
cblr-3006	524	16	harm	harm	NOUN
cblr-3006	524	17	to	to	ADP
cblr-3006	524	18	the	the	DET
cblr-3006	524	19	first	first	ADJ
cblr-3006	524	20	institution	institution	NOUN
cblr-3006	524	21	to	to	PART
cblr-3006	524	22	do	do	VERB
cblr-3006	524	23	so	so	ADV
cblr-3006	524	24	.	.	PUNCT
cblr-3006	525	1	to	to	PART
cblr-3006	525	2	fight	fight	VERB
cblr-3006	525	3	inflation	inflation	NOUN
cblr-3006	525	4	,	,	PUNCT
cblr-3006	525	5	president	president	PROPN
cblr-3006	525	6	carter	carter	PROPN
cblr-3006	525	7	imposed	impose	VERB
cblr-3006	525	8	a	a	DET
cblr-3006	525	9	ban	ban	NOUN
cblr-3006	525	10	on	on	ADP
cblr-3006	525	11	the	the	DET
cblr-3006	525	12	solicitation	solicitation	NOUN
cblr-3006	525	13	of	of	ADP
cblr-3006	525	14	new	new	ADJ
cblr-3006	525	15	accounts	account	NOUN
cblr-3006	525	16	by	by	ADP
cblr-3006	525	17	credit	credit	NOUN
cblr-3006	525	18	card	card	NOUN
cblr-3006	525	19	issuers	issuer	NOUN
cblr-3006	525	20	in	in	ADP
cblr-3006	525	21	1980	1980	NUM
cblr-3006	525	22	.	.	PUNCT
cblr-3006	526	1	this	this	DET
cblr-3006	526	2	stifling	stifle	VERB
cblr-3006	526	3	of	of	ADP
cblr-3006	526	4	competition	competition	NOUN
cblr-3006	526	5	provided	provide	VERB
cblr-3006	526	6	an	an	DET
cblr-3006	526	7	opportunity	opportunity	NOUN
cblr-3006	526	8	for	for	SCONJ
cblr-3006	526	9	banks	bank	NOUN
cblr-3006	526	10	to	to	PART
cblr-3006	526	11	circumvent	circumvent	VERB
cblr-3006	526	12	usury	usury	NOUN
cblr-3006	526	13	restrictions	restriction	NOUN
cblr-3006	526	14	through	through	ADP
cblr-3006	526	15	annual	annual	ADJ
cblr-3006	526	16	fees	fee	NOUN
cblr-3006	526	17	,	,	PUNCT
cblr-3006	526	18	with	with	ADP
cblr-3006	526	19	reduced	reduce	VERB
cblr-3006	526	20	competitive	competitive	ADJ
cblr-3006	526	21	harm	harm	NOUN
cblr-3006	526	22	.	.	PUNCT
cblr-3006	527	1	mandell	mandell	PROPN
cblr-3006	527	2	,	,	PUNCT
cblr-3006	527	3	supra	supra	PROPN
cblr-3006	527	4	note	note	PROPN
cblr-3006	527	5	42	42	NUM
cblr-3006	527	6	,	,	PUNCT
cblr-3006	527	7	at	at	ADP
cblr-3006	527	8	72	72	NUM
cblr-3006	527	9	.	.	PUNCT
cblr-3006	528	1	one	one	NUM
cblr-3006	528	2	effect	effect	NOUN
cblr-3006	528	3	of	of	ADP
cblr-3006	528	4	the	the	DET
cblr-3006	528	5	annual	annual	ADJ
cblr-3006	528	6	fee	fee	NOUN
cblr-3006	528	7	was	be	AUX
cblr-3006	528	8	that	that	SCONJ
cblr-3006	528	9	convenience	convenience	NOUN
cblr-3006	528	10	users	user	NOUN
cblr-3006	528	11	subsidized	subsidize	VERB
cblr-3006	528	12	revolvers	revolver	NOUN
cblr-3006	528	13	.	.	PUNCT
cblr-3006	529	1	the	the	DET
cblr-3006	529	2	annual	annual	ADJ
cblr-3006	529	3	fee	fee	NOUN
cblr-3006	529	4	was	be	AUX
cblr-3006	529	5	assessed	assess	VERB
cblr-3006	529	6	equally	equally	ADV
cblr-3006	529	7	against	against	ADP
cblr-3006	529	8	both	both	DET
cblr-3006	529	9	types	type	NOUN
cblr-3006	529	10	of	of	ADP
cblr-3006	529	11	users	user	NOUN
cblr-3006	529	12	,	,	PUNCT
cblr-3006	529	13	even	even	ADV
cblr-3006	529	14	though	though	SCONJ
cblr-3006	529	15	its	its	PRON
cblr-3006	529	16	purpose	purpose	NOUN
cblr-3006	529	17	was	be	AUX
cblr-3006	529	18	to	to	PART
cblr-3006	529	19	offset	offset	VERB
cblr-3006	529	20	losses	loss	NOUN
cblr-3006	529	21	from	from	ADP
cblr-3006	529	22	the	the	DET
cblr-3006	529	23	inability	inability	NOUN
cblr-3006	529	24	to	to	PART
cblr-3006	529	25	charge	charge	VERB
cblr-3006	529	26	the	the	DET
cblr-3006	529	27	market	market	NOUN
cblr-3006	529	28	interest	interest	NOUN
cblr-3006	529	29	price	price	NOUN
cblr-3006	529	30	to	to	ADP
cblr-3006	529	31	revolvers	revolver	NOUN
cblr-3006	529	32	.	.	PUNCT
cblr-3006	530	1	no	no	INTJ
cblr-3006	530	2	.	.	PUNCT
cblr-3006	531	1	3:5151	3:5151	NUM
cblr-3006	531	2	the	the	DET
cblr-3006	531	3	economics	economic	NOUN
cblr-3006	531	4	of	of	ADP
cblr-3006	531	5	two	two	NUM
cblr-3006	531	6	-	-	PUNCT
cblr-3006	531	7	sided	side	VERB
cblr-3006	531	8	markets	market	NOUN
cblr-3006	531	9	columbia	columbia	PROPN
cblr-3006	531	10	business	business	PROPN
cblr-3006	531	11	la	la	PROPN
cblr-3006	531	12	w	w	PROPN
cblr-3006	531	13	review	review	PROPN
cblr-3006	531	14	marquette	marquette	NOUN
cblr-3006	531	15	essentially	essentially	ADV
cblr-3006	531	16	deregulated	deregulate	VERB
cblr-3006	531	17	interest	interest	NOUN
cblr-3006	531	18	rates	rate	NOUN
cblr-3006	531	19	on	on	ADP
cblr-3006	531	20	credit	credit	NOUN
cblr-3006	531	21	cards	card	NOUN
cblr-3006	531	22	by	by	ADP
cblr-3006	531	23	holding	hold	VERB
cblr-3006	531	24	that	that	SCONJ
cblr-3006	531	25	the	the	DET
cblr-3006	531	26	bank	bank	NOUN
cblr-3006	531	27	's	's	PART
cblr-3006	531	28	,	,	PUNCT
cblr-3006	531	29	and	and	CCONJ
cblr-3006	531	30	not	not	PART
cblr-3006	531	31	the	the	DET
cblr-3006	531	32	consumer	consumer	NOUN
cblr-3006	531	33	's	's	PART
cblr-3006	531	34	,	,	PUNCT
cblr-3006	531	35	home	home	NOUN
cblr-3006	531	36	state	state	NOUN
cblr-3006	531	37	would	would	AUX
cblr-3006	531	38	regulate	regulate	VERB
cblr-3006	531	39	applicable	applicable	ADJ
cblr-3006	531	40	interest	interest	NOUN
cblr-3006	531	41	rates	rate	NOUN
cblr-3006	531	42	.	.	PUNCT
cblr-3006	532	1	in	in	ADP
cblr-3006	532	2	response	response	NOUN
cblr-3006	532	3	,	,	PUNCT
cblr-3006	532	4	several	several	ADJ
cblr-3006	532	5	states	state	NOUN
cblr-3006	532	6	-	-	PUNCT
cblr-3006	532	7	notably	notably	ADV
cblr-3006	532	8	south	south	PROPN
cblr-3006	532	9	dakota	dakota	PROPN
cblr-3006	532	10	and	and	CCONJ
cblr-3006	532	11	delaware	delaware	PROPN
cblr-3006	532	12	-	-	PUNCT
cblr-3006	532	13	raised	raise	VERB
cblr-3006	532	14	or	or	CCONJ
cblr-3006	532	15	abolished	abolish	VERB
cblr-3006	532	16	their	their	PRON
cblr-3006	532	17	interest	interest	NOUN
cblr-3006	532	18	rate	rate	NOUN
cblr-3006	532	19	ceilings	ceiling	NOUN
cblr-3006	532	20	,	,	PUNCT
cblr-3006	532	21	leading	lead	VERB
cblr-3006	532	22	issuers	issuer	NOUN
cblr-3006	532	23	to	to	PART
cblr-3006	532	24	relocate	relocate	VERB
cblr-3006	532	25	to	to	ADP
cblr-3006	532	26	those	those	DET
cblr-3006	532	27	states	state	NOUN
cblr-3006	532	28	.	.	PUNCT
cblr-3006	533	1	s6	s6	PROPN
cblr-3006	533	2	one	one	NUM
cblr-3006	533	3	result	result	NOUN
cblr-3006	533	4	of	of	ADP
cblr-3006	533	5	the	the	DET
cblr-3006	533	6	deregulation	deregulation	NOUN
cblr-3006	533	7	of	of	ADP
cblr-3006	533	8	interest	interest	NOUN
cblr-3006	533	9	rates	rate	NOUN
cblr-3006	533	10	and	and	CCONJ
cblr-3006	533	11	subsequent	subsequent	ADJ
cblr-3006	533	12	entry	entry	NOUN
cblr-3006	533	13	of	of	ADP
cblr-3006	533	14	new	new	ADJ
cblr-3006	533	15	card	card	NOUN
cblr-3006	533	16	issuers	issuer	NOUN
cblr-3006	533	17	was	be	AUX
cblr-3006	533	18	the	the	DET
cblr-3006	533	19	gradual	gradual	ADJ
cblr-3006	533	20	elimination	elimination	NOUN
cblr-3006	533	21	of	of	ADP
cblr-3006	533	22	annual	annual	ADJ
cblr-3006	533	23	fees	fee	NOUN
cblr-3006	533	24	on	on	ADP
cblr-3006	533	25	most	most	ADJ
cblr-3006	533	26	cards	card	NOUN
cblr-3006	533	27	as	as	SCONJ
cblr-3006	533	28	competition	competition	NOUN
cblr-3006	533	29	intensified	intensify	VERB
cblr-3006	533	30	.	.	PUNCT
cblr-3006	533	31	"	"	PUNCT
cblr-3006	534	1	although	although	SCONJ
cblr-3006	534	2	credit	credit	NOUN
cblr-3006	534	3	card	card	NOUN
cblr-3006	534	4	pricing	pricing	NOUN
cblr-3006	534	5	remained	remain	VERB
cblr-3006	534	6	relatively	relatively	ADV
cblr-3006	534	7	unchanged	unchanged	ADJ
cblr-3006	534	8	during	during	ADP
cblr-3006	534	9	much	much	ADJ
cblr-3006	534	10	of	of	ADP
cblr-3006	534	11	the	the	DET
cblr-3006	534	12	1980s	1980	NOUN
cblr-3006	534	13	,	,	PUNCT
cblr-3006	534	14	eventually	eventually	ADV
cblr-3006	534	15	new	new	ADJ
cblr-3006	534	16	entrants	entrant	NOUN
cblr-3006	534	17	(	(	PUNCT
cblr-3006	534	18	mainly	mainly	ADV
cblr-3006	534	19	non	non	ADJ
cblr-3006	534	20	-	-	ADJ
cblr-3006	534	21	bank	bank	ADJ
cblr-3006	534	22	institutions	institution	NOUN
cblr-3006	534	23	such	such	ADJ
cblr-3006	534	24	as	as	ADP
cblr-3006	534	25	at&t	at&t	PROPN
cblr-3006	534	26	,	,	PUNCT
cblr-3006	534	27	sears	sear	NOUN
cblr-3006	534	28	,	,	PUNCT
cblr-3006	534	29	and	and	CCONJ
cblr-3006	534	30	general	general	ADJ
cblr-3006	534	31	motors	motors	PROPN
cblr-3006	534	32	)	)	PUNCT
cblr-3006	534	33	offered	offer	VERB
cblr-3006	534	34	consumers	consumer	NOUN
cblr-3006	534	35	lower	low	ADJ
cblr-3006	534	36	interest	interest	NOUN
cblr-3006	534	37	rates	rate	NOUN
cblr-3006	534	38	,	,	PUNCT
cblr-3006	534	39	enhanced	enhance	VERB
cblr-3006	534	40	card	card	NOUN
cblr-3006	534	41	features	feature	NOUN
cblr-3006	534	42	,	,	PUNCT
cblr-3006	534	43	and	and	CCONJ
cblr-3006	534	44	no	no	DET
cblr-3006	534	45	annual	annual	ADJ
cblr-3006	534	46	fees	fee	NOUN
cblr-3006	534	47	.	.	PUNCT
cblr-3006	535	1	8	8	NUM
cblr-3006	535	2	annual	annual	ADJ
cblr-3006	535	3	fee	fee	NOUN
cblr-3006	535	4	revenues	revenue	NOUN
cblr-3006	535	5	declined	decline	VERB
cblr-3006	535	6	rapidly,89	rapidly,89	NOUN
cblr-3006	535	7	and	and	CCONJ
cblr-3006	535	8	in	in	ADP
cblr-3006	535	9	their	their	PRON
cblr-3006	535	10	place	place	NOUN
cblr-3006	535	11	issuers	issuer	NOUN
cblr-3006	535	12	substituted	substitute	VERB
cblr-3006	535	13	new	new	ADJ
cblr-3006	535	14	riskbased	riskbase	VERB
cblr-3006	535	15	fees	fee	NOUN
cblr-3006	535	16	such	such	ADJ
cblr-3006	535	17	as	as	ADP
cblr-3006	535	18	late	late	ADJ
cblr-3006	535	19	fees	fee	NOUN
cblr-3006	535	20	,	,	PUNCT
cblr-3006	535	21	fees	fee	NOUN
cblr-3006	535	22	for	for	ADP
cblr-3006	535	23	exceeding	exceed	VERB
cblr-3006	535	24	one	one	NUM
cblr-3006	535	25	's	's	PART
cblr-3006	535	26	credit	credit	NOUN
cblr-3006	535	27	limit	limit	NOUN
cblr-3006	535	28	,	,	PUNCT
cblr-3006	535	29	and	and	CCONJ
cblr-3006	535	30	cash	cash	NOUN
cblr-3006	535	31	advance	advance	NOUN
cblr-3006	535	32	fees.90	fees.90	ADV
cblr-3006	535	33	moreover	moreover	ADV
cblr-3006	535	34	,	,	PUNCT
cblr-3006	535	35	the	the	DET
cblr-3006	535	36	elimination	elimination	NOUN
cblr-3006	535	37	of	of	ADP
cblr-3006	535	38	annual	annual	ADJ
cblr-3006	535	39	fees	fee	NOUN
cblr-3006	535	40	brought	bring	VERB
cblr-3006	535	41	credit	credit	NOUN
cblr-3006	535	42	card	card	NOUN
cblr-3006	535	43	pricing	pricing	NOUN
cblr-3006	535	44	into	into	ADP
cblr-3006	535	45	line	line	NOUN
cblr-3006	535	46	with	with	ADP
cblr-3006	535	47	consumer	consumer	NOUN
cblr-3006	535	48	preferences	preference	NOUN
cblr-3006	535	49	.	.	PUNCT
cblr-3006	536	1	in	in	ADP
cblr-3006	536	2	a	a	DET
cblr-3006	536	3	recent	recent	ADJ
cblr-3006	536	4	customer	customer	NOUN
cblr-3006	536	5	survey	survey	NOUN
cblr-3006	536	6	,	,	PUNCT
cblr-3006	536	7	"	"	PUNCT
cblr-3006	536	8	no	no	DET
cblr-3006	536	9	annual	annual	ADJ
cblr-3006	536	10	fee	fee	NOUN
cblr-3006	536	11	"	"	PUNCT
cblr-3006	536	12	was	be	AUX
cblr-3006	536	13	the	the	DET
cblr-3006	536	14	prime	prime	ADJ
cblr-3006	536	15	selection	selection	NOUN
cblr-3006	536	16	criterion	criterion	NOUN
cblr-3006	536	17	for	for	ADP
cblr-3006	536	18	one	one	NUM
cblr-3006	536	19	-	-	PUNCT
cblr-3006	536	20	third	third	NOUN
cblr-3006	536	21	of	of	ADP
cblr-3006	536	22	all	all	DET
cblr-3006	536	23	consumers	consumer	NOUN
cblr-3006	536	24	,	,	PUNCT
cblr-3006	536	25	more	more	ADJ
cblr-3006	536	26	than	than	ADP
cblr-3006	536	27	any	any	DET
cblr-3006	536	28	other	other	ADJ
cblr-3006	536	29	feature.91	feature.91	NOUN
cblr-3006	536	30	more	more	ADJ
cblr-3006	536	31	than	than	ADP
cblr-3006	536	32	thirty	thirty	NUM
cblr-3006	536	33	percent	percent	NOUN
cblr-3006	536	34	said	say	VERB
cblr-3006	536	35	that	that	SCONJ
cblr-3006	536	36	a	a	DET
cblr-3006	536	37	low	low	ADJ
cblr-3006	536	38	interest	interest	NOUN
cblr-3006	536	39	rate	rate	NOUN
cblr-3006	536	40	on	on	ADP
cblr-3006	536	41	purchases	purchase	NOUN
cblr-3006	536	42	was	be	AUX
cblr-3006	536	43	their	their	PRON
cblr-3006	536	44	prime	prime	ADJ
cblr-3006	536	45	selection	selection	NOUN
cblr-3006	536	46	criterion.2	criterion.2	PROPN
cblr-3006	536	47	consumers	consumer	NOUN
cblr-3006	536	48	appear	appear	VERB
cblr-3006	536	49	to	to	PART
cblr-3006	536	50	shop	shop	VERB
cblr-3006	536	51	on	on	ADP
cblr-3006	536	52	the	the	DET
cblr-3006	536	53	margins	margin	NOUN
cblr-3006	536	54	that	that	PRON
cblr-3006	536	55	best	well	ADV
cblr-3006	536	56	fit	fit	VERB
cblr-3006	536	57	their	their	PRON
cblr-3006	536	58	needs	need	NOUN
cblr-3006	536	59	.	.	PUNCT
cblr-3006	537	1	transactional	transactional	ADJ
cblr-3006	537	2	users	user	NOUN
cblr-3006	537	3	want	want	VERB
cblr-3006	537	4	cards	card	NOUN
cblr-3006	537	5	that	that	PRON
cblr-3006	537	6	are	be	AUX
cblr-3006	537	7	costless	costless	NOUN
cblr-3006	537	8	to	to	PART
cblr-3006	537	9	carry	carry	VERB
cblr-3006	537	10	and	and	CCONJ
cblr-3006	537	11	use	use	VERB
cblr-3006	537	12	,	,	PUNCT
cblr-3006	537	13	such	such	ADJ
cblr-3006	537	14	as	as	ADP
cblr-3006	537	15	cards	card	NOUN
cblr-3006	537	16	with	with	ADP
cblr-3006	537	17	no	no	DET
cblr-3006	537	18	annual	annual	ADJ
cblr-3006	537	19	fee	fee	NOUN
cblr-3006	537	20	,	,	PUNCT
cblr-3006	537	21	or	or	CCONJ
cblr-3006	537	22	enhanced	enhance	VERB
cblr-3006	537	23	'	'	PUNCT
cblr-3006	537	24	between	between	ADP
cblr-3006	537	25	1980	1980	NUM
cblr-3006	537	26	and	and	CCONJ
cblr-3006	537	27	1985	1985	NUM
cblr-3006	537	28	,	,	PUNCT
cblr-3006	537	29	fifteen	fifteen	NUM
cblr-3006	537	30	states	state	NOUN
cblr-3006	537	31	removed	remove	VERB
cblr-3006	537	32	their	their	PRON
cblr-3006	537	33	ceilings	ceiling	NOUN
cblr-3006	537	34	,	,	PUNCT
cblr-3006	537	35	and	and	CCONJ
cblr-3006	537	36	many	many	ADJ
cblr-3006	537	37	others	other	NOUN
cblr-3006	537	38	raised	raise	VERB
cblr-3006	537	39	theirs	theirs	PRON
cblr-3006	537	40	to	to	ADP
cblr-3006	537	41	levels	level	NOUN
cblr-3006	537	42	that	that	PRON
cblr-3006	537	43	far	far	ADV
cblr-3006	537	44	surpassed	surpass	VERB
cblr-3006	537	45	those	those	PRON
cblr-3006	537	46	needed	need	VERB
cblr-3006	537	47	to	to	PART
cblr-3006	537	48	cover	cover	VERB
cblr-3006	537	49	costs	cost	NOUN
cblr-3006	537	50	.	.	PUNCT
cblr-3006	538	1	canner	canner	NOUN
cblr-3006	538	2	&	&	CCONJ
cblr-3006	538	3	luckett	luckett	PROPN
cblr-3006	538	4	,	,	PUNCT
cblr-3006	538	5	supra	supra	PROPN
cblr-3006	538	6	note	note	PROPN
cblr-3006	538	7	80	80	NUM
cblr-3006	538	8	,	,	PUNCT
cblr-3006	538	9	at	at	ADP
cblr-3006	538	10	654	654	NUM
cblr-3006	538	11	n.4	n.4	NOUN
cblr-3006	538	12	.	.	PUNCT
cblr-3006	539	1	87	87	NUM
cblr-3006	539	2	see	see	VERB
cblr-3006	539	3	zywicki	zywicki	NOUN
cblr-3006	539	4	,	,	PUNCT
cblr-3006	539	5	economics	economic	NOUN
cblr-3006	539	6	of	of	ADP
cblr-3006	539	7	credit	credit	NOUN
cblr-3006	539	8	cards	card	NOUN
cblr-3006	539	9	,	,	PUNCT
cblr-3006	539	10	supra	supra	PROPN
cblr-3006	539	11	note	note	NOUN
cblr-3006	539	12	2	2	NUM
cblr-3006	539	13	,	,	PUNCT
cblr-3006	539	14	at	at	ADP
cblr-3006	539	15	118	118	NUM
cblr-3006	539	16	.	.	NOUN
cblr-3006	539	17	8	8	NUM
cblr-3006	539	18	mark	mark	NOUN
cblr-3006	539	19	furletti	furletti	NOUN
cblr-3006	539	20	,	,	PUNCT
cblr-3006	539	21	the	the	DET
cblr-3006	539	22	debate	debate	NOUN
cblr-3006	539	23	over	over	ADP
cblr-3006	539	24	the	the	DET
cblr-3006	539	25	national	national	PROPN
cblr-3006	539	26	bank	bank	PROPN
cblr-3006	539	27	act	act	PROPN
cblr-3006	539	28	and	and	CCONJ
cblr-3006	539	29	the	the	DET
cblr-3006	539	30	preemption	preemption	NOUN
cblr-3006	539	31	of	of	ADP
cblr-3006	539	32	state	state	NOUN
cblr-3006	539	33	efforts	effort	NOUN
cblr-3006	539	34	to	to	PART
cblr-3006	539	35	regulate	regulate	VERB
cblr-3006	539	36	credit	credit	NOUN
cblr-3006	539	37	cards	card	NOUN
cblr-3006	539	38	,	,	PUNCT
cblr-3006	539	39	77	77	NUM
cblr-3006	539	40	temp	temp	NOUN
cblr-3006	539	41	.	.	PUNCT
cblr-3006	540	1	l.	l.	PROPN
cblr-3006	540	2	rev	rev	PROPN
cblr-3006	540	3	.	.	PROPN
cblr-3006	540	4	425	425	NUM
cblr-3006	540	5	,	,	PUNCT
cblr-3006	540	6	444	444	NUM
cblr-3006	540	7	(	(	PUNCT
cblr-3006	540	8	2004	2004	NUM
cblr-3006	540	9	)	)	PUNCT
cblr-3006	540	10	;	;	PUNCT
cblr-3006	540	11	canner	canner	NOUN
cblr-3006	540	12	&	&	CCONJ
cblr-3006	540	13	luckett	luckett	PROPN
cblr-3006	540	14	,	,	PUNCT
cblr-3006	540	15	supra	supra	PROPN
cblr-3006	540	16	note	note	PROPN
cblr-3006	540	17	80	80	NUM
cblr-3006	540	18	,	,	PUNCT
cblr-3006	540	19	at	at	ADP
cblr-3006	540	20	654	654	NUM
cblr-3006	540	21	.	.	PUNCT
cblr-3006	540	22	"	"	PUNCT
cblr-3006	541	1	furletti	furletti	ADJ
cblr-3006	541	2	,	,	PUNCT
cblr-3006	541	3	supra	supra	ADJ
cblr-3006	541	4	note	note	NOUN
cblr-3006	541	5	88	88	NUM
cblr-3006	541	6	,	,	PUNCT
cblr-3006	541	7	at	at	ADP
cblr-3006	541	8	444	444	NUM
cblr-3006	541	9	.	.	PUNCT
cblr-3006	541	10	90	90	NUM
cblr-3006	541	11	eliminating	eliminate	VERB
cblr-3006	541	12	annual	annual	ADJ
cblr-3006	541	13	fees	fee	NOUN
cblr-3006	541	14	and	and	CCONJ
cblr-3006	541	15	replacing	replace	VERB
cblr-3006	541	16	them	they	PRON
cblr-3006	541	17	with	with	ADP
cblr-3006	541	18	these	these	DET
cblr-3006	541	19	alternative	alternative	ADJ
cblr-3006	541	20	fees	fee	NOUN
cblr-3006	541	21	also	also	ADV
cblr-3006	541	22	eliminated	eliminate	VERB
cblr-3006	541	23	many	many	ADJ
cblr-3006	541	24	of	of	ADP
cblr-3006	541	25	the	the	DET
cblr-3006	541	26	cross	cross	NOUN
cblr-3006	541	27	-	-	NOUN
cblr-3006	541	28	subsidies	subsidy	NOUN
cblr-3006	541	29	that	that	PRON
cblr-3006	541	30	had	have	AUX
cblr-3006	541	31	previously	previously	ADV
cblr-3006	541	32	been	be	AUX
cblr-3006	541	33	associated	associate	VERB
cblr-3006	541	34	with	with	ADP
cblr-3006	541	35	annual	annual	ADJ
cblr-3006	541	36	fees	fee	NOUN
cblr-3006	541	37	.	.	PUNCT
cblr-3006	542	1	i	i	PRON
cblr-3006	542	2	d.	d.	PROPN
cblr-3006	542	3	at	at	ADP
cblr-3006	542	4	444	444	NUM
cblr-3006	542	5	-	-	SYM
cblr-3006	542	6	45	45	NUM
cblr-3006	542	7	.	.	PUNCT
cblr-3006	543	1	91	91	NUM
cblr-3006	543	2	evans	evans	PROPN
cblr-3006	543	3	&	&	CCONJ
cblr-3006	543	4	schmalensee	schmalensee	PROPN
cblr-3006	543	5	,	,	PUNCT
cblr-3006	543	6	supra	supra	PROPN
cblr-3006	543	7	note	note	NOUN
cblr-3006	543	8	2	2	NUM
cblr-3006	543	9	,	,	PUNCT
cblr-3006	543	10	at	at	ADP
cblr-3006	543	11	218	218	NUM
cblr-3006	543	12	.	.	PUNCT
cblr-3006	544	1	92	92	NUM
cblr-3006	545	1	i	i	NOUN
cblr-3006	545	2	d.	d.	PROPN
cblr-3006	546	1	[	[	X
cblr-3006	546	2	vol	vol	NOUN
cblr-3006	546	3	.	.	PUNCT
cblr-3006	546	4	2005	2005	NUM
cblr-3006	546	5	benefits	benefit	NOUN
cblr-3006	546	6	such	such	ADJ
cblr-3006	546	7	as	as	ADP
cblr-3006	546	8	24	24	NUM
cblr-3006	546	9	-	-	PUNCT
cblr-3006	546	10	hour	hour	NOUN
cblr-3006	546	11	customer	customer	NOUN
cblr-3006	546	12	service	service	NOUN
cblr-3006	546	13	,	,	PUNCT
cblr-3006	546	14	car	car	NOUN
cblr-3006	546	15	rental	rental	NOUN
cblr-3006	546	16	insurance	insurance	NOUN
cblr-3006	546	17	,	,	PUNCT
cblr-3006	546	18	or	or	CCONJ
cblr-3006	546	19	cash	cash	VERB
cblr-3006	546	20	back	back	ADV
cblr-3006	546	21	on	on	ADP
cblr-3006	546	22	purchases	purchase	NOUN
cblr-3006	546	23	.	.	PUNCT
cblr-3006	547	1	on	on	ADP
cblr-3006	547	2	the	the	DET
cblr-3006	547	3	other	other	ADJ
cblr-3006	547	4	hand	hand	NOUN
cblr-3006	547	5	,	,	PUNCT
cblr-3006	547	6	revolvers	revolver	NOUN
cblr-3006	547	7	(	(	PUNCT
cblr-3006	547	8	or	or	CCONJ
cblr-3006	547	9	consumers	consumer	NOUN
cblr-3006	547	10	who	who	PRON
cblr-3006	547	11	carry	carry	VERB
cblr-3006	547	12	balances	balance	NOUN
cblr-3006	547	13	from	from	ADP
cblr-3006	547	14	month	month	NOUN
cblr-3006	547	15	to	to	ADP
cblr-3006	547	16	month	month	NOUN
cblr-3006	547	17	)	)	PUNCT
cblr-3006	547	18	are	be	AUX
cblr-3006	547	19	more	more	ADV
cblr-3006	547	20	interested	interested	ADJ
cblr-3006	547	21	in	in	ADP
cblr-3006	547	22	lower	low	ADJ
cblr-3006	547	23	interest	interest	NOUN
cblr-3006	547	24	rates	rate	NOUN
cblr-3006	547	25	and	and	CCONJ
cblr-3006	547	26	presumably	presumably	ADV
cblr-3006	547	27	would	would	AUX
cblr-3006	547	28	accept	accept	VERB
cblr-3006	547	29	some	some	DET
cblr-3006	547	30	annual	annual	ADJ
cblr-3006	547	31	fee	fee	NOUN
cblr-3006	547	32	if	if	SCONJ
cblr-3006	547	33	necessary	necessary	ADJ
cblr-3006	547	34	to	to	PART
cblr-3006	547	35	receive	receive	VERB
cblr-3006	547	36	a	a	DET
cblr-3006	547	37	lower	low	ADJ
cblr-3006	547	38	rate	rate	NOUN
cblr-3006	547	39	.	.	PUNCT
cblr-3006	548	1	after	after	ADP
cblr-3006	548	2	the	the	DET
cblr-3006	548	3	deregulation	deregulation	NOUN
cblr-3006	548	4	of	of	ADP
cblr-3006	548	5	interest	interest	NOUN
cblr-3006	548	6	rates	rate	NOUN
cblr-3006	548	7	,	,	PUNCT
cblr-3006	548	8	annual	annual	ADJ
cblr-3006	548	9	fees	fee	NOUN
cblr-3006	548	10	essentially	essentially	ADV
cblr-3006	548	11	disappeared	disappear	VERB
cblr-3006	548	12	for	for	ADP
cblr-3006	548	13	standard	standard	ADJ
cblr-3006	548	14	payment	payment	NOUN
cblr-3006	548	15	cards	card	NOUN
cblr-3006	548	16	and	and	CCONJ
cblr-3006	548	17	have	have	AUX
cblr-3006	548	18	been	be	AUX
cblr-3006	548	19	retained	retain	VERB
cblr-3006	548	20	only	only	ADV
cblr-3006	548	21	to	to	PART
cblr-3006	548	22	defray	defray	VERB
cblr-3006	548	23	the	the	DET
cblr-3006	548	24	administrative	administrative	ADJ
cblr-3006	548	25	costs	cost	NOUN
cblr-3006	548	26	for	for	ADP
cblr-3006	548	27	those	those	DET
cblr-3006	548	28	cards	card	NOUN
cblr-3006	548	29	offering	offer	VERB
cblr-3006	548	30	ancillary	ancillary	ADJ
cblr-3006	548	31	benefits	benefit	NOUN
cblr-3006	548	32	,	,	PUNCT
cblr-3006	548	33	such	such	ADJ
cblr-3006	548	34	as	as	ADP
cblr-3006	548	35	frequent	frequent	ADJ
cblr-3006	548	36	flyer	flyer	NOUN
cblr-3006	548	37	miles	mile	NOUN
cblr-3006	548	38	.	.	PUNCT
cblr-3006	549	1	3	3	NUM
cblr-3006	549	2	today	today	NOUN
cblr-3006	549	3	,	,	PUNCT
cblr-3006	549	4	about	about	ADV
cblr-3006	549	5	eighty	eighty	NUM
cblr-3006	549	6	-	-	PUNCT
cblr-3006	549	7	five	five	NUM
cblr-3006	549	8	percent	percent	NOUN
cblr-3006	549	9	of	of	ADP
cblr-3006	549	10	bankcards	bankcard	NOUN
cblr-3006	549	11	have	have	VERB
cblr-3006	549	12	no	no	DET
cblr-3006	549	13	annual	annual	ADJ
cblr-3006	549	14	fee.94	fee.94	NOUN
cblr-3006	549	15	thus	thus	ADV
cblr-3006	549	16	,	,	PUNCT
cblr-3006	549	17	the	the	DET
cblr-3006	549	18	deregulation	deregulation	NOUN
cblr-3006	549	19	of	of	ADP
cblr-3006	549	20	interest	interest	NOUN
cblr-3006	549	21	rates	rate	NOUN
cblr-3006	549	22	allowed	allow	VERB
cblr-3006	549	23	card	card	NOUN
cblr-3006	549	24	issuers	issuer	NOUN
cblr-3006	549	25	to	to	PART
cblr-3006	549	26	respond	respond	VERB
cblr-3006	549	27	to	to	ADP
cblr-3006	549	28	consumer	consumer	NOUN
cblr-3006	549	29	preferences	preference	NOUN
cblr-3006	549	30	by	by	ADP
cblr-3006	549	31	eliminating	eliminate	VERB
cblr-3006	549	32	annual	annual	ADJ
cblr-3006	549	33	fees	fee	NOUN
cblr-3006	549	34	.	.	PUNCT
cblr-3006	550	1	deregulating	deregulate	VERB
cblr-3006	550	2	payment	payment	NOUN
cblr-3006	550	3	card	card	NOUN
cblr-3006	550	4	terms	term	NOUN
cblr-3006	550	5	had	have	VERB
cblr-3006	550	6	the	the	DET
cblr-3006	550	7	additional	additional	ADJ
cblr-3006	550	8	and	and	CCONJ
cblr-3006	550	9	important	important	ADJ
cblr-3006	550	10	benefit	benefit	NOUN
cblr-3006	550	11	of	of	ADP
cblr-3006	550	12	increasing	increase	VERB
cblr-3006	550	13	competition	competition	NOUN
cblr-3006	550	14	.	.	PUNCT
cblr-3006	551	1	annual	annual	ADJ
cblr-3006	551	2	fees	fee	NOUN
cblr-3006	551	3	discourage	discourage	VERB
cblr-3006	551	4	consumers	consumer	NOUN
cblr-3006	551	5	from	from	ADP
cblr-3006	551	6	carrying	carry	VERB
cblr-3006	551	7	multiple	multiple	ADJ
cblr-3006	551	8	payment	payment	NOUN
cblr-3006	551	9	cards	card	NOUN
cblr-3006	551	10	because	because	SCONJ
cblr-3006	551	11	they	they	PRON
cblr-3006	551	12	increase	increase	VERB
cblr-3006	551	13	the	the	DET
cblr-3006	551	14	cost	cost	NOUN
cblr-3006	551	15	of	of	ADP
cblr-3006	551	16	owning	own	VERB
cblr-3006	551	17	additional	additional	ADJ
cblr-3006	551	18	cards	card	NOUN
cblr-3006	551	19	,	,	PUNCT
cblr-3006	551	20	thereby	thereby	ADV
cblr-3006	551	21	helping	help	VERB
cblr-3006	551	22	commit	commit	VERB
cblr-3006	551	23	consumers	consumer	NOUN
cblr-3006	551	24	to	to	ADP
cblr-3006	551	25	a	a	DET
cblr-3006	551	26	given	give	VERB
cblr-3006	551	27	card	card	NOUN
cblr-3006	551	28	.	.	PUNCT
cblr-3006	552	1	moreover	moreover	ADV
cblr-3006	552	2	,	,	PUNCT
cblr-3006	552	3	once	once	ADV
cblr-3006	552	4	paid	pay	VERB
cblr-3006	552	5	,	,	PUNCT
cblr-3006	552	6	an	an	DET
cblr-3006	552	7	annual	annual	ADJ
cblr-3006	552	8	fee	fee	NOUN
cblr-3006	552	9	discourages	discourage	VERB
cblr-3006	552	10	a	a	DET
cblr-3006	552	11	consumer	consumer	NOUN
cblr-3006	552	12	from	from	ADP
cblr-3006	552	13	switching	switch	VERB
cblr-3006	552	14	mid	mid	NOUN
cblr-3006	552	15	-	-	NOUN
cblr-3006	552	16	year	year	NOUN
cblr-3006	552	17	and	and	CCONJ
cblr-3006	552	18	thereby	thereby	ADV
cblr-3006	552	19	paying	pay	VERB
cblr-3006	552	20	another	another	DET
cblr-3006	552	21	annual	annual	ADJ
cblr-3006	552	22	fee	fee	NOUN
cblr-3006	552	23	.	.	PUNCT
cblr-3006	553	1	95	95	NUM
cblr-3006	554	1	the	the	DET
cblr-3006	554	2	deregulation	deregulation	NOUN
cblr-3006	554	3	of	of	ADP
cblr-3006	554	4	the	the	DET
cblr-3006	554	5	payment	payment	NOUN
cblr-3006	554	6	card	card	NOUN
cblr-3006	554	7	market	market	NOUN
cblr-3006	554	8	therefore	therefore	ADV
cblr-3006	554	9	had	have	VERB
cblr-3006	554	10	two	two	NUM
cblr-3006	554	11	predictable	predictable	ADJ
cblr-3006	554	12	effects	effect	NOUN
cblr-3006	554	13	.	.	PUNCT
cblr-3006	555	1	first	first	ADV
cblr-3006	555	2	,	,	PUNCT
cblr-3006	555	3	it	it	PRON
cblr-3006	555	4	encouraged	encourage	VERB
cblr-3006	555	5	steady	steady	ADJ
cblr-3006	555	6	"	"	PUNCT
cblr-3006	555	7	i	i	PROPN
cblr-3006	555	8	d.	d.	PROPN
cblr-3006	555	9	;	;	PUNCT
cblr-3006	555	10	lawrence	lawrence	PROPN
cblr-3006	555	11	m.	m.	PROPN
cblr-3006	555	12	ausubel	ausubel	PROPN
cblr-3006	555	13	,	,	PUNCT
cblr-3006	555	14	the	the	DET
cblr-3006	555	15	credit	credit	NOUN
cblr-3006	555	16	card	card	NOUN
cblr-3006	555	17	market	market	NOUN
cblr-3006	555	18	,	,	PUNCT
cblr-3006	555	19	revisited	revisit	VERB
cblr-3006	555	20	(	(	PUNCT
cblr-3006	555	21	univ	univ	PROPN
cblr-3006	555	22	.	.	PROPN
cblr-3006	555	23	of	of	ADP
cblr-3006	555	24	md	md	PROPN
cblr-3006	555	25	.	.	PROPN
cblr-3006	555	26	,	,	PUNCT
cblr-3006	555	27	dep't	dep't	NOUN
cblr-3006	555	28	of	of	ADP
cblr-3006	555	29	econ	econ	PROPN
cblr-3006	555	30	.	.	PUNCT
cblr-3006	555	31	,	,	PUNCT
cblr-3006	555	32	working	working	NOUN
cblr-3006	555	33	paper	paper	NOUN
cblr-3006	555	34	,	,	PUNCT
cblr-3006	555	35	july	july	PROPN
cblr-3006	555	36	20	20	NUM
cblr-3006	555	37	,	,	PUNCT
cblr-3006	555	38	1995	1995	NUM
cblr-3006	555	39	)	)	PUNCT
cblr-3006	555	40	.	.	PUNCT
cblr-3006	556	1	a	a	DET
cblr-3006	556	2	survey	survey	NOUN
cblr-3006	556	3	of	of	ADP
cblr-3006	556	4	top	top	ADJ
cblr-3006	556	5	issuers	issuer	NOUN
cblr-3006	556	6	found	find	VERB
cblr-3006	556	7	that	that	SCONJ
cblr-3006	556	8	by	by	ADP
cblr-3006	556	9	1998	1998	NUM
cblr-3006	556	10	only	only	ADV
cblr-3006	556	11	14	14	NUM
cblr-3006	556	12	%	%	NOUN
cblr-3006	556	13	percent	percent	NOUN
cblr-3006	556	14	of	of	ADP
cblr-3006	556	15	customers	customer	NOUN
cblr-3006	556	16	who	who	PRON
cblr-3006	556	17	had	have	AUX
cblr-3006	556	18	not	not	PART
cblr-3006	556	19	enrolled	enrol	VERB
cblr-3006	556	20	in	in	ADP
cblr-3006	556	21	a	a	DET
cblr-3006	556	22	rewards	reward	NOUN
cblr-3006	556	23	program	program	NOUN
cblr-3006	556	24	(	(	PUNCT
cblr-3006	556	25	such	such	ADJ
cblr-3006	556	26	as	as	ADP
cblr-3006	556	27	a	a	DET
cblr-3006	556	28	frequent	frequent	ADJ
cblr-3006	556	29	flyer	flyer	NOUN
cblr-3006	556	30	miles	miles	PROPN
cblr-3006	556	31	program	program	PROPN
cblr-3006	556	32	)	)	PUNCT
cblr-3006	556	33	paid	pay	VERB
cblr-3006	556	34	an	an	DET
cblr-3006	556	35	annual	annual	ADJ
cblr-3006	556	36	fee	fee	NOUN
cblr-3006	556	37	,	,	PUNCT
cblr-3006	556	38	and	and	CCONJ
cblr-3006	556	39	by	by	ADP
cblr-3006	556	40	2002	2002	NUM
cblr-3006	556	41	,	,	PUNCT
cblr-3006	556	42	only	only	ADV
cblr-3006	556	43	2	2	NUM
cblr-3006	556	44	%	%	NOUN
cblr-3006	556	45	had	have	AUX
cblr-3006	556	46	done	do	VERB
cblr-3006	556	47	so	so	ADV
cblr-3006	556	48	.	.	PUNCT
cblr-3006	557	1	the	the	DET
cblr-3006	557	2	average	average	ADJ
cblr-3006	557	3	annual	annual	ADJ
cblr-3006	557	4	fee	fee	NOUN
cblr-3006	557	5	charged	charge	VERB
cblr-3006	557	6	on	on	ADP
cblr-3006	557	7	non	non	ADJ
cblr-3006	557	8	-	-	ADJ
cblr-3006	557	9	rewards	rewards	ADJ
cblr-3006	557	10	cards	card	NOUN
cblr-3006	557	11	has	have	AUX
cblr-3006	557	12	fallen	fall	VERB
cblr-3006	557	13	from	from	ADP
cblr-3006	557	14	$	$	SYM
cblr-3006	557	15	3.31	3.31	NUM
cblr-3006	557	16	in	in	ADP
cblr-3006	557	17	1998	1998	NUM
cblr-3006	557	18	to	to	ADP
cblr-3006	557	19	$	$	SYM
cblr-3006	557	20	0.50	0.50	NUM
cblr-3006	557	21	in	in	ADP
cblr-3006	557	22	2002	2002	NUM
cblr-3006	557	23	.	.	PUNCT
cblr-3006	558	1	see	see	VERB
cblr-3006	558	2	also	also	ADV
cblr-3006	558	3	mark	mark	PROPN
cblr-3006	558	4	furletti	furletti	PROPN
cblr-3006	558	5	,	,	PUNCT
cblr-3006	558	6	federal	federal	PROPN
cblr-3006	558	7	reserve	reserve	PROPN
cblr-3006	558	8	bank	bank	PROPN
cblr-3006	558	9	of	of	ADP
cblr-3006	558	10	philadelphia	philadelphia	PROPN
cblr-3006	558	11	,	,	PUNCT
cblr-3006	558	12	credit	credit	NOUN
cblr-3006	558	13	card	card	NOUN
cblr-3006	558	14	pricing	pricing	NOUN
cblr-3006	558	15	developments	development	NOUN
cblr-3006	558	16	and	and	CCONJ
cblr-3006	558	17	their	their	PRON
cblr-3006	558	18	disclosure	disclosure	NOUN
cblr-3006	558	19	9	9	NUM
cblr-3006	558	20	-	-	SYM
cblr-3006	558	21	10	10	NUM
cblr-3006	558	22	(	(	PUNCT
cblr-3006	558	23	2003	2003	NUM
cblr-3006	558	24	)	)	PUNCT
cblr-3006	558	25	.	.	PUNCT
cblr-3006	559	1	94	94	NUM
cblr-3006	559	2	evans	evans	PROPN
cblr-3006	559	3	&	&	CCONJ
cblr-3006	559	4	schmalensee	schmalensee	PROPN
cblr-3006	559	5	,	,	PUNCT
cblr-3006	559	6	supra	supra	PROPN
cblr-3006	559	7	note	note	NOUN
cblr-3006	559	8	2	2	NUM
cblr-3006	559	9	,	,	PUNCT
cblr-3006	559	10	at	at	ADP
cblr-3006	559	11	87	87	NUM
cblr-3006	559	12	.	.	PUNCT
cblr-3006	559	13	"	"	PUNCT
cblr-3006	559	14	see	see	VERB
cblr-3006	559	15	zywicki	zywicki	NOUN
cblr-3006	559	16	,	,	PUNCT
cblr-3006	559	17	economics	economic	NOUN
cblr-3006	559	18	of	of	ADP
cblr-3006	559	19	credit	credit	NOUN
cblr-3006	559	20	cards	card	NOUN
cblr-3006	559	21	,	,	PUNCT
cblr-3006	559	22	supra	supra	PROPN
cblr-3006	559	23	note	note	NOUN
cblr-3006	559	24	2	2	NUM
cblr-3006	559	25	,	,	PUNCT
cblr-3006	559	26	at	at	ADP
cblr-3006	559	27	143	143	NUM
cblr-3006	559	28	(	(	PUNCT
cblr-3006	559	29	describing	describe	VERB
cblr-3006	559	30	annual	annual	ADJ
cblr-3006	559	31	fees	fee	NOUN
cblr-3006	559	32	as	as	ADP
cblr-3006	559	33	a	a	DET
cblr-3006	559	34	"	"	PUNCT
cblr-3006	559	35	tax	tax	NOUN
cblr-3006	559	36	"	"	PUNCT
cblr-3006	559	37	on	on	ADP
cblr-3006	559	38	switching	switch	VERB
cblr-3006	559	39	cards	card	NOUN
cblr-3006	559	40	mid	mid	NOUN
cblr-3006	559	41	-	-	NOUN
cblr-3006	559	42	year	year	NOUN
cblr-3006	559	43	because	because	SCONJ
cblr-3006	559	44	the	the	DET
cblr-3006	559	45	fees	fee	NOUN
cblr-3006	559	46	require	require	VERB
cblr-3006	559	47	forfeiture	forfeiture	NOUN
cblr-3006	559	48	of	of	ADP
cblr-3006	559	49	the	the	DET
cblr-3006	559	50	value	value	NOUN
cblr-3006	559	51	of	of	ADP
cblr-3006	559	52	the	the	DET
cblr-3006	559	53	first	first	ADJ
cblr-3006	559	54	annual	annual	ADJ
cblr-3006	559	55	fee	fee	NOUN
cblr-3006	559	56	and	and	CCONJ
cblr-3006	559	57	payment	payment	NOUN
cblr-3006	559	58	of	of	ADP
cblr-3006	559	59	a	a	DET
cblr-3006	559	60	second	second	NOUN
cblr-3006	559	61	.	.	PUNCT
cblr-3006	559	62	)	)	PUNCT
cblr-3006	560	1	the	the	DET
cblr-3006	560	2	economics	economic	NOUN
cblr-3006	560	3	of	of	ADP
cblr-3006	560	4	two	two	NUM
cblr-3006	560	5	-	-	PUNCT
cblr-3006	560	6	sided	side	VERB
cblr-3006	560	7	ma	ma	PROPN
cblr-3006	560	8	rke	rke	PROPN
cblr-3006	560	9	tsno	tsno	PROPN
cblr-3006	560	10	.	.	PUNCT
cblr-3006	561	1	3:5151	3:5151	NUM
cblr-3006	561	2	columbia	columbia	PROPN
cblr-3006	561	3	business	business	PROPN
cblr-3006	561	4	la	la	PROPN
cblr-3006	561	5	w	w	PROPN
cblr-3006	561	6	review	review	NOUN
cblr-3006	561	7	growth	growth	NOUN
cblr-3006	561	8	in	in	ADP
cblr-3006	561	9	payment	payment	NOUN
cblr-3006	561	10	card	card	NOUN
cblr-3006	561	11	ownership	ownership	NOUN
cblr-3006	561	12	across	across	ADP
cblr-3006	561	13	all	all	DET
cblr-3006	561	14	income	income	NOUN
cblr-3006	561	15	levels.96	levels.96	NOUN
cblr-3006	561	16	second	second	ADJ
cblr-3006	561	17	,	,	PUNCT
cblr-3006	561	18	it	it	PRON
cblr-3006	561	19	stimulated	stimulate	VERB
cblr-3006	561	20	a	a	DET
cblr-3006	561	21	steady	steady	ADJ
cblr-3006	561	22	increase	increase	NOUN
cblr-3006	561	23	in	in	ADP
cblr-3006	561	24	the	the	DET
cblr-3006	561	25	number	number	NOUN
cblr-3006	561	26	of	of	ADP
cblr-3006	561	27	payment	payment	NOUN
cblr-3006	561	28	cards	card	NOUN
cblr-3006	561	29	held	hold	VERB
cblr-3006	561	30	by	by	ADP
cblr-3006	561	31	each	each	DET
cblr-3006	561	32	household	household	NOUN
cblr-3006	561	33	-	-	PUNCT
cblr-3006	561	34	many	many	ADJ
cblr-3006	561	35	households	household	NOUN
cblr-3006	561	36	have	have	VERB
cblr-3006	561	37	visa	visa	NOUN
cblr-3006	561	38	,	,	PUNCT
cblr-3006	561	39	mastercard	mastercard	NOUN
cblr-3006	561	40	,	,	PUNCT
cblr-3006	561	41	and	and	CCONJ
cblr-3006	561	42	discover	discover	VERB
cblr-3006	561	43	cards	card	NOUN
cblr-3006	561	44	,	,	PUNCT
cblr-3006	561	45	and	and	CCONJ
cblr-3006	561	46	some	some	PRON
cblr-3006	561	47	have	have	VERB
cblr-3006	561	48	even	even	ADV
cblr-3006	561	49	more	more	ADJ
cblr-3006	561	50	than	than	ADP
cblr-3006	561	51	one	one	NUM
cblr-3006	561	52	visa	visa	NOUN
cblr-3006	561	53	or	or	CCONJ
cblr-3006	561	54	mastercard	mastercard	NOUN
cblr-3006	561	55	from	from	ADP
cblr-3006	561	56	different	different	ADJ
cblr-3006	561	57	issuers	issuer	NOUN
cblr-3006	561	58	.	.	PUNCT
cblr-3006	562	1	that	that	SCONJ
cblr-3006	562	2	many	many	ADJ
cblr-3006	562	3	consumers	consumer	NOUN
cblr-3006	562	4	hold	hold	VERB
cblr-3006	562	5	multiple	multiple	ADJ
cblr-3006	562	6	cards	card	NOUN
cblr-3006	562	7	is	be	AUX
cblr-3006	562	8	a	a	DET
cblr-3006	562	9	direct	direct	ADJ
cblr-3006	562	10	effect	effect	NOUN
cblr-3006	562	11	of	of	ADP
cblr-3006	562	12	the	the	DET
cblr-3006	562	13	elimination	elimination	NOUN
cblr-3006	562	14	of	of	ADP
cblr-3006	562	15	annual	annual	ADJ
cblr-3006	562	16	fees	fee	NOUN
cblr-3006	562	17	.	.	PUNCT
cblr-3006	563	1	competition	competition	NOUN
cblr-3006	563	2	and	and	CCONJ
cblr-3006	563	3	consumer	consumer	NOUN
cblr-3006	563	4	choice	choice	NOUN
cblr-3006	563	5	have	have	AUX
cblr-3006	563	6	increased	increase	VERB
cblr-3006	563	7	as	as	SCONJ
cblr-3006	563	8	consumers	consumer	NOUN
cblr-3006	563	9	can	can	AUX
cblr-3006	563	10	choose	choose	VERB
cblr-3006	563	11	their	their	PRON
cblr-3006	563	12	preferred	prefer	VERB
cblr-3006	563	13	card	card	NOUN
cblr-3006	563	14	each	each	DET
cblr-3006	563	15	time	time	NOUN
cblr-3006	563	16	they	they	PRON
cblr-3006	563	17	shop	shop	VERB
cblr-3006	563	18	.	.	PUNCT
cblr-3006	564	1	thus	thus	ADV
cblr-3006	564	2	,	,	PUNCT
cblr-3006	564	3	the	the	DET
cblr-3006	564	4	de	de	X
cblr-3006	564	5	facto	facto	X
cblr-3006	564	6	elimination	elimination	NOUN
cblr-3006	564	7	of	of	ADP
cblr-3006	564	8	usury	usury	NOUN
cblr-3006	564	9	restrictions	restriction	NOUN
cblr-3006	564	10	and	and	CCONJ
cblr-3006	564	11	deregulation	deregulation	NOUN
cblr-3006	564	12	of	of	ADP
cblr-3006	564	13	credit	credit	NOUN
cblr-3006	564	14	card	card	NOUN
cblr-3006	564	15	interest	interest	NOUN
cblr-3006	564	16	rates	rate	NOUN
cblr-3006	564	17	increased	increase	VERB
cblr-3006	564	18	consumer	consumer	NOUN
cblr-3006	564	19	welfare	welfare	NOUN
cblr-3006	564	20	,	,	PUNCT
cblr-3006	564	21	reduced	reduce	VERB
cblr-3006	564	22	prices	price	NOUN
cblr-3006	564	23	,	,	PUNCT
cblr-3006	564	24	increased	increase	VERB
cblr-3006	564	25	the	the	DET
cblr-3006	564	26	quality	quality	NOUN
cblr-3006	564	27	of	of	ADP
cblr-3006	564	28	cards	card	NOUN
cblr-3006	564	29	through	through	ADP
cblr-3006	564	30	enhanced	enhanced	ADJ
cblr-3006	564	31	benefits	benefit	NOUN
cblr-3006	564	32	,	,	PUNCT
cblr-3006	564	33	and	and	CCONJ
cblr-3006	564	34	perhaps	perhaps	ADV
cblr-3006	564	35	most	most	ADV
cblr-3006	564	36	importantly	importantly	ADV
cblr-3006	564	37	,	,	PUNCT
cblr-3006	564	38	increased	increase	VERB
cblr-3006	564	39	competition	competition	NOUN
cblr-3006	564	40	.	.	PUNCT
cblr-3006	565	1	by	by	ADP
cblr-3006	565	2	imposing	impose	VERB
cblr-3006	565	3	price	price	NOUN
cblr-3006	565	4	controls	control	NOUN
cblr-3006	565	5	on	on	ADP
cblr-3006	565	6	interest	interest	NOUN
cblr-3006	565	7	rates	rate	NOUN
cblr-3006	565	8	,	,	PUNCT
cblr-3006	565	9	the	the	DET
cblr-3006	565	10	prior	prior	ADJ
cblr-3006	565	11	regime	regime	NOUN
cblr-3006	565	12	led	lead	VERB
cblr-3006	565	13	to	to	ADP
cblr-3006	565	14	inefficient	inefficient	ADJ
cblr-3006	565	15	repricing	repricing	NOUN
cblr-3006	565	16	of	of	ADP
cblr-3006	565	17	credit	credit	NOUN
cblr-3006	565	18	terms	term	NOUN
cblr-3006	565	19	,	,	PUNCT
cblr-3006	565	20	in	in	ADP
cblr-3006	565	21	part	part	NOUN
cblr-3006	565	22	by	by	ADP
cblr-3006	565	23	creating	create	VERB
cblr-3006	565	24	the	the	DET
cblr-3006	565	25	need	need	NOUN
cblr-3006	565	26	for	for	ADP
cblr-3006	565	27	annual	annual	ADJ
cblr-3006	565	28	fees	fee	NOUN
cblr-3006	565	29	and	and	CCONJ
cblr-3006	565	30	forcing	force	VERB
cblr-3006	565	31	convenience	convenience	NOUN
cblr-3006	565	32	users	user	NOUN
cblr-3006	565	33	to	to	PART
cblr-3006	565	34	subsidize	subsidize	VERB
cblr-3006	565	35	revolvers	revolver	NOUN
cblr-3006	565	36	.	.	PUNCT
cblr-3006	566	1	this	this	DET
cblr-3006	566	2	experience	experience	NOUN
cblr-3006	566	3	with	with	ADP
cblr-3006	566	4	usury	usury	NOUN
cblr-3006	566	5	regulations	regulation	NOUN
cblr-3006	566	6	thus	thus	ADV
cblr-3006	566	7	provides	provide	VERB
cblr-3006	566	8	important	important	ADJ
cblr-3006	566	9	lessons	lesson	NOUN
cblr-3006	566	10	for	for	ADP
cblr-3006	566	11	recent	recent	ADJ
cblr-3006	566	12	proposals	proposal	NOUN
cblr-3006	566	13	to	to	PART
cblr-3006	566	14	regulate	regulate	VERB
cblr-3006	566	15	interchange	interchange	NOUN
cblr-3006	566	16	fees	fee	NOUN
cblr-3006	566	17	.	.	PUNCT
cblr-3006	567	1	most	most	ADV
cblr-3006	567	2	notably	notably	ADV
cblr-3006	567	3	,	,	PUNCT
cblr-3006	567	4	it	it	PRON
cblr-3006	567	5	demonstrates	demonstrate	VERB
cblr-3006	567	6	the	the	DET
cblr-3006	567	7	need	need	NOUN
cblr-3006	567	8	to	to	PART
cblr-3006	567	9	recognize	recognize	VERB
cblr-3006	567	10	that	that	SCONJ
cblr-3006	567	11	different	different	ADJ
cblr-3006	567	12	streams	stream	NOUN
cblr-3006	567	13	of	of	ADP
cblr-3006	567	14	card	card	NOUN
cblr-3006	567	15	revenues	revenue	NOUN
cblr-3006	567	16	are	be	AUX
cblr-3006	567	17	interrelated	interrelated	ADJ
cblr-3006	567	18	and	and	CCONJ
cblr-3006	567	19	that	that	SCONJ
cblr-3006	567	20	the	the	DET
cblr-3006	567	21	curtailment	curtailment	NOUN
cblr-3006	567	22	of	of	ADP
cblr-3006	567	23	one	one	NUM
cblr-3006	567	24	stream	stream	NOUN
cblr-3006	567	25	will	will	AUX
cblr-3006	567	26	generate	generate	VERB
cblr-3006	567	27	responses	response	NOUN
cblr-3006	567	28	,	,	PUNCT
cblr-3006	567	29	from	from	ADP
cblr-3006	567	30	the	the	DET
cblr-3006	567	31	repricing	repricing	NOUN
cblr-3006	567	32	of	of	ADP
cblr-3006	567	33	other	other	ADJ
cblr-3006	567	34	credit	credit	NOUN
cblr-3006	567	35	terms	term	NOUN
cblr-3006	567	36	to	to	ADP
cblr-3006	567	37	a	a	DET
cblr-3006	567	38	reduction	reduction	NOUN
cblr-3006	567	39	in	in	ADP
cblr-3006	567	40	card	card	NOUN
cblr-3006	567	41	benefits	benefit	NOUN
cblr-3006	567	42	.	.	PUNCT
cblr-3006	568	1	more	more	ADV
cblr-3006	568	2	fundamentally	fundamentally	ADV
cblr-3006	568	3	,	,	PUNCT
cblr-3006	568	4	price	price	NOUN
cblr-3006	568	5	controls	control	NOUN
cblr-3006	568	6	have	have	VERB
cblr-3006	568	7	an	an	DET
cblr-3006	568	8	important	important	ADJ
cblr-3006	568	9	impact	impact	NOUN
cblr-3006	568	10	on	on	ADP
cblr-3006	568	11	competition	competition	NOUN
cblr-3006	568	12	.	.	PUNCT
cblr-3006	569	1	based	base	VERB
cblr-3006	569	2	on	on	ADP
cblr-3006	569	3	the	the	DET
cblr-3006	569	4	u.s	u.s	PROPN
cblr-3006	569	5	.	.	PROPN
cblr-3006	569	6	usury	usury	PROPN
cblr-3006	569	7	experience	experience	NOUN
cblr-3006	569	8	,	,	PUNCT
cblr-3006	569	9	the	the	DET
cblr-3006	569	10	imposition	imposition	NOUN
cblr-3006	569	11	of	of	ADP
cblr-3006	569	12	annual	annual	ADJ
cblr-3006	569	13	fees	fee	NOUN
cblr-3006	569	14	to	to	PART
cblr-3006	569	15	compensate	compensate	VERB
cblr-3006	569	16	for	for	ADP
cblr-3006	569	17	the	the	DET
cblr-3006	569	18	inability	inability	NOUN
cblr-3006	569	19	to	to	PART
cblr-3006	569	20	charge	charge	VERB
cblr-3006	569	21	market	market	NOUN
cblr-3006	569	22	interchange	interchange	NOUN
cblr-3006	569	23	fees	fee	NOUN
cblr-3006	569	24	would	would	AUX
cblr-3006	569	25	be	be	AUX
cblr-3006	569	26	an	an	DET
cblr-3006	569	27	especially	especially	ADV
cblr-3006	569	28	damaging	damaging	ADJ
cblr-3006	569	29	adjustment	adjustment	NOUN
cblr-3006	569	30	since	since	SCONJ
cblr-3006	569	31	annual	annual	ADJ
cblr-3006	569	32	fees	fee	NOUN
cblr-3006	569	33	would	would	AUX
cblr-3006	569	34	dampen	dampen	VERB
cblr-3006	569	35	the	the	DET
cblr-3006	569	36	incentive	incentive	NOUN
cblr-3006	569	37	for	for	SCONJ
cblr-3006	569	38	consumers	consumer	NOUN
cblr-3006	569	39	to	to	PART
cblr-3006	569	40	switch	switch	VERB
cblr-3006	569	41	among	among	ADP
cblr-3006	569	42	cards	card	NOUN
cblr-3006	569	43	and	and	CCONJ
cblr-3006	569	44	thereby	thereby	ADV
cblr-3006	569	45	reduce	reduce	VERB
cblr-3006	569	46	competition	competition	NOUN
cblr-3006	569	47	and	and	CCONJ
cblr-3006	569	48	its	its	PRON
cblr-3006	569	49	pro	pro	ADJ
cblr-3006	569	50	-	-	ADJ
cblr-3006	569	51	consumer	consumer	ADJ
cblr-3006	569	52	effects	effect	NOUN
cblr-3006	569	53	.	.	PUNCT
cblr-3006	570	1	of	of	ADP
cblr-3006	570	2	course	course	NOUN
cblr-3006	570	3	,	,	PUNCT
cblr-3006	570	4	the	the	DET
cblr-3006	570	5	reduction	reduction	NOUN
cblr-3006	570	6	in	in	ADP
cblr-3006	570	7	interchange	interchange	NOUN
cblr-3006	570	8	fees	fee	NOUN
cblr-3006	570	9	may	may	AUX
cblr-3006	570	10	benefit	benefit	VERB
cblr-3006	570	11	merchants	merchant	NOUN
cblr-3006	570	12	and	and	CCONJ
cblr-3006	570	13	consumers	consumer	NOUN
cblr-3006	570	14	who	who	PRON
cblr-3006	570	15	use	use	VERB
cblr-3006	570	16	other	other	ADJ
cblr-3006	570	17	payment	payment	NOUN
cblr-3006	570	18	forms.97	forms.97	NOUN
cblr-3006	570	19	'	'	PUNCT
cblr-3006	570	20	i	i	PRON
cblr-3006	570	21	d.	d.	PROPN
cblr-3006	570	22	at	at	ADP
cblr-3006	570	23	87	87	NUM
cblr-3006	570	24	-	-	SYM
cblr-3006	570	25	114	114	NUM
cblr-3006	570	26	.	.	PUNCT
cblr-3006	571	1	the	the	DET
cblr-3006	571	2	poorest	poor	ADJ
cblr-3006	571	3	quintile	quintile	NOUN
cblr-3006	571	4	has	have	AUX
cblr-3006	571	5	especially	especially	ADV
cblr-3006	571	6	benefited	benefit	VERB
cblr-3006	571	7	.	.	PUNCT
cblr-3006	572	1	in	in	ADP
cblr-3006	572	2	1970	1970	NUM
cblr-3006	572	3	,	,	PUNCT
cblr-3006	572	4	2	2	NUM
cblr-3006	572	5	%	%	NOUN
cblr-3006	572	6	had	have	VERB
cblr-3006	572	7	credit	credit	NOUN
cblr-3006	572	8	cards	card	NOUN
cblr-3006	572	9	;	;	PUNCT
cblr-3006	572	10	in	in	ADP
cblr-3006	572	11	2001	2001	NUM
cblr-3006	572	12	,	,	PUNCT
cblr-3006	572	13	38	38	NUM
cblr-3006	572	14	%	%	NOUN
cblr-3006	572	15	had	have	VERB
cblr-3006	572	16	credit	credit	NOUN
cblr-3006	572	17	cards	card	NOUN
cblr-3006	572	18	and	and	CCONJ
cblr-3006	572	19	43	43	NUM
cblr-3006	572	20	%	%	NOUN
cblr-3006	572	21	had	have	VERB
cblr-3006	572	22	debit	debit	NOUN
cblr-3006	572	23	cards	card	NOUN
cblr-3006	572	24	.	.	PUNCT
cblr-3006	573	1	9	9	NUM
cblr-3006	573	2	'	'	PUNCT
cblr-3006	573	3	as	as	ADP
cblr-3006	573	4	klein	klein	PROPN
cblr-3006	573	5	et	et	PROPN
cblr-3006	573	6	al	al	PROPN
cblr-3006	573	7	.	.	PROPN
cblr-3006	573	8	note	note	PROPN
cblr-3006	573	9	,	,	PUNCT
cblr-3006	573	10	increased	increase	VERB
cblr-3006	573	11	card	card	NOUN
cblr-3006	573	12	usage	usage	NOUN
cblr-3006	573	13	has	have	AUX
cblr-3006	573	14	increased	increase	VERB
cblr-3006	573	15	retail	retail	ADJ
cblr-3006	573	16	competition	competition	NOUN
cblr-3006	573	17	generally	generally	ADV
cblr-3006	573	18	,	,	PUNCT
cblr-3006	573	19	which	which	PRON
cblr-3006	573	20	may	may	AUX
cblr-3006	573	21	have	have	AUX
cblr-3006	573	22	lowered	lower	VERB
cblr-3006	573	23	overall	overall	ADJ
cblr-3006	573	24	price	price	NOUN
cblr-3006	573	25	levels	level	NOUN
cblr-3006	573	26	to	to	ADP
cblr-3006	573	27	the	the	DET
cblr-3006	573	28	[	[	X
cblr-3006	573	29	vol	vol	NOUN
cblr-3006	573	30	.	.	PUNCT
cblr-3006	573	31	2005	2005	NUM
cblr-3006	574	1	no	no	DET
cblr-3006	574	2	regulatory	regulatory	ADJ
cblr-3006	574	3	body	body	NOUN
cblr-3006	574	4	in	in	ADP
cblr-3006	574	5	history	history	NOUN
cblr-3006	574	6	has	have	AUX
cblr-3006	574	7	ever	ever	ADV
cblr-3006	574	8	been	be	AUX
cblr-3006	574	9	able	able	ADJ
cblr-3006	574	10	to	to	PART
cblr-3006	574	11	assess	assess	VERB
cblr-3006	574	12	confidently	confidently	ADV
cblr-3006	574	13	whether	whether	SCONJ
cblr-3006	574	14	such	such	ADJ
cblr-3006	574	15	gains	gain	NOUN
cblr-3006	574	16	more	more	ADV
cblr-3006	574	17	than	than	ADP
cblr-3006	574	18	offset	offset	VERB
cblr-3006	574	19	the	the	DET
cblr-3006	574	20	costs	cost	NOUN
cblr-3006	574	21	discussed	discuss	VERB
cblr-3006	574	22	in	in	ADP
cblr-3006	574	23	the	the	DET
cblr-3006	574	24	preceding	precede	VERB
cblr-3006	574	25	pages	page	NOUN
cblr-3006	574	26	.	.	PUNCT
cblr-3006	575	1	the	the	DET
cblr-3006	575	2	rba	rba	NOUN
cblr-3006	575	3	itself	itself	PRON
cblr-3006	575	4	does	do	AUX
cblr-3006	575	5	not	not	PART
cblr-3006	575	6	purport	purport	VERB
cblr-3006	575	7	to	to	PART
cblr-3006	575	8	do	do	VERB
cblr-3006	575	9	so	so	ADV
cblr-3006	575	10	.	.	PUNCT
cblr-3006	576	1	instead	instead	ADV
cblr-3006	576	2	,	,	PUNCT
cblr-3006	576	3	its	its	PRON
cblr-3006	576	4	price	price	NOUN
cblr-3006	576	5	controls	control	NOUN
cblr-3006	576	6	rest	rest	VERB
cblr-3006	576	7	on	on	ADP
cblr-3006	576	8	the	the	DET
cblr-3006	576	9	inaccurate	inaccurate	ADJ
cblr-3006	576	10	premise	premise	NOUN
cblr-3006	576	11	that	that	SCONJ
cblr-3006	576	12	credit	credit	NOUN
cblr-3006	576	13	cards	card	NOUN
cblr-3006	576	14	are	be	AUX
cblr-3006	576	15	more	more	ADV
cblr-3006	576	16	expensive	expensive	ADJ
cblr-3006	576	17	than	than	ADP
cblr-3006	576	18	other	other	ADJ
cblr-3006	576	19	payment	payment	NOUN
cblr-3006	576	20	methods	method	NOUN
cblr-3006	576	21	.	.	PUNCT
cblr-3006	577	1	because	because	SCONJ
cblr-3006	577	2	that	that	DET
cblr-3006	577	3	assumption	assumption	NOUN
cblr-3006	577	4	is	be	AUX
cblr-3006	577	5	unsupported	unsupported	ADJ
cblr-3006	577	6	,	,	PUNCT
cblr-3006	577	7	this	this	DET
cblr-3006	577	8	basis	basis	NOUN
cblr-3006	577	9	for	for	SCONJ
cblr-3006	577	10	the	the	DET
cblr-3006	577	11	rba	rba	NOUN
cblr-3006	577	12	's	's	PART
cblr-3006	577	13	regulation	regulation	NOUN
cblr-3006	577	14	fails	fail	VERB
cblr-3006	577	15	.	.	PUNCT
cblr-3006	577	16	"	"	PUNCT
cblr-3006	578	1	in	in	ADP
cblr-3006	578	2	summary	summary	NOUN
cblr-3006	578	3	,	,	PUNCT
cblr-3006	578	4	efforts	effort	NOUN
cblr-3006	578	5	to	to	PART
cblr-3006	578	6	control	control	VERB
cblr-3006	578	7	interchange	interchange	NOUN
cblr-3006	578	8	fees	fee	NOUN
cblr-3006	578	9	appear	appear	VERB
cblr-3006	578	10	to	to	PART
cblr-3006	578	11	be	be	AUX
cblr-3006	578	12	fundamentally	fundamentally	ADV
cblr-3006	578	13	misguided	misguided	ADJ
cblr-3006	578	14	.	.	PUNCT
cblr-3006	579	1	proposals	proposal	NOUN
cblr-3006	579	2	for	for	ADP
cblr-3006	579	3	capping	cap	VERB
cblr-3006	579	4	interchange	interchange	NOUN
cblr-3006	579	5	fees	fee	NOUN
cblr-3006	579	6	fail	fail	VERB
cblr-3006	579	7	to	to	PART
cblr-3006	579	8	appreciate	appreciate	VERB
cblr-3006	579	9	the	the	DET
cblr-3006	579	10	complexities	complexity	NOUN
cblr-3006	579	11	of	of	ADP
cblr-3006	579	12	regulating	regulate	VERB
cblr-3006	579	13	two	two	NUM
cblr-3006	579	14	-	-	PUNCT
cblr-3006	579	15	sided	sided	ADJ
cblr-3006	579	16	markets	market	NOUN
cblr-3006	579	17	and	and	CCONJ
cblr-3006	579	18	the	the	DET
cblr-3006	579	19	irrelevance	irrelevance	NOUN
cblr-3006	579	20	of	of	ADP
cblr-3006	579	21	costbased	costbase	VERB
cblr-3006	579	22	pricing	pricing	NOUN
cblr-3006	579	23	in	in	ADP
cblr-3006	579	24	these	these	DET
cblr-3006	579	25	markets	market	NOUN
cblr-3006	579	26	.	.	PUNCT
cblr-3006	580	1	in	in	ADP
cblr-3006	580	2	seeking	seek	VERB
cblr-3006	580	3	to	to	PART
cblr-3006	580	4	force	force	VERB
cblr-3006	580	5	the	the	DET
cblr-3006	580	6	internalization	internalization	NOUN
cblr-3006	580	7	of	of	ADP
cblr-3006	580	8	an	an	DET
cblr-3006	580	9	externality	externality	NOUN
cblr-3006	580	10	of	of	ADP
cblr-3006	580	11	dubious	dubious	ADJ
cblr-3006	580	12	existence	existence	NOUN
cblr-3006	580	13	and	and	CCONJ
cblr-3006	580	14	questionable	questionable	ADJ
cblr-3006	580	15	size	size	NOUN
cblr-3006	580	16	,	,	PUNCT
cblr-3006	580	17	the	the	DET
cblr-3006	580	18	rba	rba	NOUN
cblr-3006	580	19	neglected	neglect	VERB
cblr-3006	580	20	to	to	PART
cblr-3006	580	21	consider	consider	VERB
cblr-3006	580	22	the	the	DET
cblr-3006	580	23	full	full	ADJ
cblr-3006	580	24	costs	cost	NOUN
cblr-3006	580	25	and	and	CCONJ
cblr-3006	580	26	benefits	benefit	NOUN
cblr-3006	580	27	of	of	ADP
cblr-3006	580	28	payment	payment	NOUN
cblr-3006	580	29	card	card	NOUN
cblr-3006	580	30	use	use	NOUN
cblr-3006	580	31	,	,	PUNCT
cblr-3006	580	32	and	and	CCONJ
cblr-3006	580	33	thereby	thereby	ADV
cblr-3006	580	34	failed	fail	VERB
cblr-3006	580	35	to	to	PART
cblr-3006	580	36	appreciate	appreciate	VERB
cblr-3006	580	37	the	the	DET
cblr-3006	580	38	overall	overall	ADJ
cblr-3006	580	39	attractiveness	attractiveness	NOUN
cblr-3006	580	40	of	of	ADP
cblr-3006	580	41	cards	card	NOUN
cblr-3006	580	42	relative	relative	ADJ
cblr-3006	580	43	to	to	ADP
cblr-3006	580	44	other	other	ADJ
cblr-3006	580	45	payment	payment	NOUN
cblr-3006	580	46	methods	method	NOUN
cblr-3006	580	47	.	.	PUNCT
cblr-3006	581	1	moreover	moreover	ADV
cblr-3006	581	2	,	,	PUNCT
cblr-3006	581	3	australia	australia	PROPN
cblr-3006	581	4	drew	draw	VERB
cblr-3006	581	5	an	an	DET
cblr-3006	581	6	arbitrary	arbitrary	ADJ
cblr-3006	581	7	and	and	CCONJ
cblr-3006	581	8	unsupportable	unsupportable	ADJ
cblr-3006	581	9	distinction	distinction	NOUN
cblr-3006	581	10	between	between	ADP
cblr-3006	581	11	interchange	interchange	NOUN
cblr-3006	581	12	fees	fee	NOUN
cblr-3006	581	13	in	in	ADP
cblr-3006	581	14	the	the	DET
cblr-3006	581	15	cooperative	cooperative	ADJ
cblr-3006	581	16	systems	system	NOUN
cblr-3006	581	17	,	,	PUNCT
cblr-3006	581	18	visa	visa	NOUN
cblr-3006	581	19	and	and	CCONJ
cblr-3006	581	20	mastercard	mastercard	NOUN
cblr-3006	581	21	,	,	PUNCT
cblr-3006	581	22	and	and	CCONJ
cblr-3006	581	23	in	in	ADP
cblr-3006	581	24	the	the	DET
cblr-3006	581	25	proprietary	proprietary	ADJ
cblr-3006	581	26	system	system	NOUN
cblr-3006	581	27	,	,	PUNCT
cblr-3006	581	28	american	american	PROPN
cblr-3006	581	29	express	express	PROPN
cblr-3006	581	30	.	.	PUNCT
cblr-3006	582	1	by	by	ADP
cblr-3006	582	2	regulating	regulate	VERB
cblr-3006	582	3	interchange	interchange	NOUN
cblr-3006	582	4	fees	fee	NOUN
cblr-3006	582	5	,	,	PUNCT
cblr-3006	582	6	australia	australia	PROPN
cblr-3006	582	7	has	have	AUX
cblr-3006	582	8	forced	force	VERB
cblr-3006	582	9	issuers	issuer	NOUN
cblr-3006	582	10	to	to	PART
cblr-3006	582	11	increase	increase	VERB
cblr-3006	582	12	fees	fee	NOUN
cblr-3006	582	13	and	and	CCONJ
cblr-3006	582	14	reduce	reduce	VERB
cblr-3006	582	15	card	card	NOUN
cblr-3006	582	16	benefits	benefit	NOUN
cblr-3006	582	17	,	,	PUNCT
cblr-3006	582	18	all	all	ADV
cblr-3006	582	19	to	to	ADP
cblr-3006	582	20	the	the	DET
cblr-3006	582	21	detriment	detriment	NOUN
cblr-3006	582	22	of	of	ADP
cblr-3006	582	23	cardholders	cardholder	NOUN
cblr-3006	582	24	.	.	PUNCT
cblr-3006	583	1	vi	vi	X
cblr-3006	583	2	.	.	NOUN
cblr-3006	583	3	conclusion	conclusion	NOUN
cblr-3006	583	4	formulating	formulate	VERB
cblr-3006	583	5	sensible	sensible	ADJ
cblr-3006	583	6	regulation	regulation	NOUN
cblr-3006	583	7	is	be	AUX
cblr-3006	583	8	difficult	difficult	ADJ
cblr-3006	583	9	under	under	ADP
cblr-3006	583	10	the	the	DET
cblr-3006	583	11	best	good	ADJ
cblr-3006	583	12	circumstances	circumstance	NOUN
cblr-3006	583	13	;	;	PUNCT
cblr-3006	583	14	regulating	regulate	VERB
cblr-3006	583	15	sensibly	sensibly	ADV
cblr-3006	583	16	in	in	ADP
cblr-3006	583	17	ignorance	ignorance	NOUN
cblr-3006	583	18	of	of	ADP
cblr-3006	583	19	the	the	DET
cblr-3006	583	20	benefit	benefit	NOUN
cblr-3006	583	21	of	of	ADP
cblr-3006	583	22	card	card	NOUN
cblr-3006	583	23	users	user	NOUN
cblr-3006	583	24	and	and	CCONJ
cblr-3006	583	25	non	non	ADJ
cblr-3006	583	26	-	-	ADJ
cblr-3006	583	27	card	card	ADJ
cblr-3006	583	28	users	user	NOUN
cblr-3006	583	29	alike	alike	ADV
cblr-3006	583	30	.	.	PUNCT
cblr-3006	584	1	klein	klein	PROPN
cblr-3006	584	2	et	et	PROPN
cblr-3006	584	3	al	al	PROPN
cblr-3006	584	4	.	.	PROPN
cblr-3006	584	5	,	,	PUNCT
cblr-3006	584	6	supra	supra	PROPN
cblr-3006	584	7	note	note	NOUN
cblr-3006	584	8	2	2	NUM
cblr-3006	584	9	,	,	PUNCT
cblr-3006	584	10	at	at	ADP
cblr-3006	584	11	58	58	NUM
cblr-3006	584	12	n.110	n.110	NOUN
cblr-3006	584	13	.	.	PROPN
cblr-3006	584	14	98	98	NUM
cblr-3006	584	15	a	a	DET
cblr-3006	584	16	further	further	ADJ
cblr-3006	584	17	irony	irony	NOUN
cblr-3006	584	18	is	be	AUX
cblr-3006	584	19	that	that	SCONJ
cblr-3006	584	20	merchants	merchant	NOUN
cblr-3006	584	21	,	,	PUNCT
cblr-3006	584	22	who	who	PRON
cblr-3006	584	23	pushed	push	VERB
cblr-3006	584	24	for	for	ADP
cblr-3006	584	25	the	the	DET
cblr-3006	584	26	price	price	NOUN
cblr-3006	584	27	caps	cap	NOUN
cblr-3006	584	28	,	,	PUNCT
cblr-3006	584	29	believe	believe	VERB
cblr-3006	584	30	that	that	SCONJ
cblr-3006	584	31	cards	card	NOUN
cblr-3006	584	32	have	have	VERB
cblr-3006	584	33	positive	positive	ADJ
cblr-3006	584	34	overall	overall	ADJ
cblr-3006	584	35	benefits	benefit	NOUN
cblr-3006	584	36	.	.	PUNCT
cblr-3006	585	1	a	a	DET
cblr-3006	585	2	survey	survey	NOUN
cblr-3006	585	3	of	of	ADP
cblr-3006	585	4	australian	australian	ADJ
cblr-3006	585	5	retailers	retailer	NOUN
cblr-3006	585	6	found	find	VERB
cblr-3006	585	7	that	that	SCONJ
cblr-3006	585	8	62	62	NUM
cblr-3006	585	9	%	%	NOUN
cblr-3006	585	10	of	of	ADP
cblr-3006	585	11	merchants	merchant	NOUN
cblr-3006	585	12	believed	believe	VERB
cblr-3006	585	13	that	that	SCONJ
cblr-3006	585	14	their	their	PRON
cblr-3006	585	15	customers	customer	NOUN
cblr-3006	585	16	generally	generally	ADV
cblr-3006	585	17	spend	spend	VERB
cblr-3006	585	18	more	more	ADJ
cblr-3006	585	19	when	when	SCONJ
cblr-3006	585	20	using	use	VERB
cblr-3006	585	21	credit	credit	NOUN
cblr-3006	585	22	cards	card	NOUN
cblr-3006	585	23	than	than	SCONJ
cblr-3006	585	24	they	they	PRON
cblr-3006	585	25	do	do	VERB
cblr-3006	585	26	when	when	SCONJ
cblr-3006	585	27	using	use	VERB
cblr-3006	585	28	cash	cash	NOUN
cblr-3006	585	29	or	or	CCONJ
cblr-3006	585	30	electronic	electronic	ADJ
cblr-3006	585	31	funds	fund	NOUN
cblr-3006	585	32	transfer	transfer	NOUN
cblr-3006	585	33	;	;	PUNCT
cblr-3006	585	34	only	only	ADV
cblr-3006	585	35	28	28	NUM
cblr-3006	585	36	%	%	NOUN
cblr-3006	585	37	thought	think	VERB
cblr-3006	585	38	otherwise	otherwise	ADV
cblr-3006	585	39	.	.	PUNCT
cblr-3006	586	1	see	see	VERB
cblr-3006	586	2	chang	chang	PROPN
cblr-3006	586	3	et	et	PROPN
cblr-3006	586	4	al	al	PROPN
cblr-3006	586	5	.	.	PROPN
cblr-3006	586	6	,	,	PUNCT
cblr-3006	586	7	supra	supra	PROPN
cblr-3006	586	8	note	note	NOUN
cblr-3006	586	9	75	75	NUM
cblr-3006	586	10	,	,	PUNCT
cblr-3006	586	11	at	at	ADP
cblr-3006	586	12	1	1	NUM
cblr-3006	586	13	.	.	PUNCT
cblr-3006	587	1	another	another	DET
cblr-3006	587	2	empirical	empirical	ADJ
cblr-3006	587	3	issue	issue	NOUN
cblr-3006	587	4	involves	involve	VERB
cblr-3006	587	5	the	the	DET
cblr-3006	587	6	regulation	regulation	NOUN
cblr-3006	587	7	's	's	PART
cblr-3006	587	8	effect	effect	NOUN
cblr-3006	587	9	on	on	ADP
cblr-3006	587	10	the	the	DET
cblr-3006	587	11	intensity	intensity	NOUN
cblr-3006	587	12	of	of	ADP
cblr-3006	587	13	card	card	NOUN
cblr-3006	587	14	usage	usage	NOUN
cblr-3006	587	15	and	and	CCONJ
cblr-3006	587	16	the	the	DET
cblr-3006	587	17	overall	overall	ADJ
cblr-3006	587	18	growth	growth	NOUN
cblr-3006	587	19	of	of	ADP
cblr-3006	587	20	card	card	NOUN
cblr-3006	587	21	ownership	ownership	NOUN
cblr-3006	587	22	.	.	PUNCT
cblr-3006	588	1	preliminary	preliminary	ADJ
cblr-3006	588	2	analysis	analysis	NOUN
cblr-3006	588	3	indicates	indicate	VERB
cblr-3006	588	4	that	that	SCONJ
cblr-3006	588	5	the	the	DET
cblr-3006	588	6	regulation	regulation	NOUN
cblr-3006	588	7	may	may	AUX
cblr-3006	588	8	have	have	AUX
cblr-3006	588	9	decreased	decrease	VERB
cblr-3006	588	10	intensity	intensity	NOUN
cblr-3006	588	11	,	,	PUNCT
cblr-3006	588	12	but	but	CCONJ
cblr-3006	588	13	may	may	AUX
cblr-3006	588	14	not	not	PART
cblr-3006	588	15	have	have	AUX
cblr-3006	588	16	slowed	slow	VERB
cblr-3006	588	17	the	the	DET
cblr-3006	588	18	growth	growth	NOUN
cblr-3006	588	19	of	of	ADP
cblr-3006	588	20	ownership	ownership	NOUN
cblr-3006	588	21	.	.	PUNCT
cblr-3006	589	1	i	i	PRON
cblr-3006	589	2	d.	d.	PROPN
cblr-3006	589	3	no	no	INTJ
cblr-3006	589	4	.	.	PUNCT
cblr-3006	590	1	3:5151	3:5151	NUM
cblr-3006	590	2	the	the	DET
cblr-3006	590	3	economics	economic	NOUN
cblr-3006	590	4	of	of	ADP
cblr-3006	590	5	two	two	NUM
cblr-3006	590	6	-	-	PUNCT
cblr-3006	590	7	sided	side	VERB
cblr-3006	590	8	markets	market	NOUN
cblr-3006	590	9	columbia	columbia	PROPN
cblr-3006	590	10	business	business	PROPN
cblr-3006	590	11	la	la	PROPN
cblr-3006	590	12	w	w	PROPN
cblr-3006	590	13	review	review	PROPN
cblr-3006	590	14	relevant	relevant	ADJ
cblr-3006	590	15	economic	economic	ADJ
cblr-3006	590	16	theory	theory	NOUN
cblr-3006	590	17	and	and	CCONJ
cblr-3006	590	18	evidence	evidence	NOUN
cblr-3006	590	19	is	be	AUX
cblr-3006	590	20	nearly	nearly	ADV
cblr-3006	590	21	impossible	impossible	ADJ
cblr-3006	590	22	.	.	PUNCT
cblr-3006	591	1	with	with	ADP
cblr-3006	591	2	payment	payment	NOUN
cblr-3006	591	3	cards	card	NOUN
cblr-3006	591	4	,	,	PUNCT
cblr-3006	591	5	the	the	DET
cblr-3006	591	6	two	two	NUM
cblr-3006	591	7	-	-	PUNCT
cblr-3006	591	8	sided	sided	ADJ
cblr-3006	591	9	nature	nature	NOUN
cblr-3006	591	10	of	of	ADP
cblr-3006	591	11	the	the	DET
cblr-3006	591	12	market	market	NOUN
cblr-3006	591	13	dramatically	dramatically	ADV
cblr-3006	591	14	increases	increase	VERB
cblr-3006	591	15	the	the	DET
cblr-3006	591	16	challenges	challenge	NOUN
cblr-3006	591	17	faced	face	VERB
cblr-3006	591	18	by	by	ADP
cblr-3006	591	19	regulators	regulator	NOUN
cblr-3006	591	20	.	.	PUNCT
cblr-3006	592	1	because	because	SCONJ
cblr-3006	592	2	the	the	DET
cblr-3006	592	3	participants	participant	NOUN
cblr-3006	592	4	on	on	ADP
cblr-3006	592	5	each	each	DET
cblr-3006	592	6	side	side	NOUN
cblr-3006	592	7	of	of	ADP
cblr-3006	592	8	the	the	DET
cblr-3006	592	9	market	market	NOUN
cblr-3006	592	10	simultaneously	simultaneously	ADV
cblr-3006	592	11	generate	generate	VERB
cblr-3006	592	12	costs	cost	NOUN
cblr-3006	592	13	and	and	CCONJ
cblr-3006	592	14	benefits	benefit	NOUN
cblr-3006	592	15	for	for	ADP
cblr-3006	592	16	one	one	NUM
cblr-3006	592	17	another	another	DET
cblr-3006	592	18	,	,	PUNCT
cblr-3006	592	19	traditional	traditional	ADJ
cblr-3006	592	20	notions	notion	NOUN
cblr-3006	592	21	of	of	ADP
cblr-3006	592	22	setting	set	VERB
cblr-3006	592	23	prices	price	NOUN
cblr-3006	592	24	according	accord	VERB
cblr-3006	592	25	to	to	ADP
cblr-3006	592	26	marginal	marginal	ADJ
cblr-3006	592	27	cost	cost	NOUN
cblr-3006	592	28	and	and	CCONJ
cblr-3006	592	29	other	other	ADJ
cblr-3006	592	30	measures	measure	NOUN
cblr-3006	592	31	of	of	ADP
cblr-3006	592	32	market	market	NOUN
cblr-3006	592	33	efficiency	efficiency	NOUN
cblr-3006	592	34	are	be	AUX
cblr-3006	592	35	irrelevant	irrelevant	ADJ
cblr-3006	592	36	.	.	PUNCT
cblr-3006	593	1	rather	rather	ADV
cblr-3006	593	2	,	,	PUNCT
cblr-3006	593	3	the	the	DET
cblr-3006	593	4	need	need	NOUN
cblr-3006	593	5	to	to	PART
cblr-3006	593	6	synchronize	synchronize	VERB
cblr-3006	593	7	the	the	DET
cblr-3006	593	8	two	two	NUM
cblr-3006	593	9	sides	side	NOUN
cblr-3006	593	10	of	of	ADP
cblr-3006	593	11	the	the	DET
cblr-3006	593	12	market	market	NOUN
cblr-3006	593	13	may	may	AUX
cblr-3006	593	14	require	require	VERB
cblr-3006	593	15	one	one	NUM
cblr-3006	593	16	side	side	NOUN
cblr-3006	593	17	or	or	CCONJ
cblr-3006	593	18	the	the	DET
cblr-3006	593	19	other	other	ADJ
cblr-3006	593	20	to	to	PART
cblr-3006	593	21	bear	bear	VERB
cblr-3006	593	22	a	a	DET
cblr-3006	593	23	greater	great	ADJ
cblr-3006	593	24	share	share	NOUN
cblr-3006	593	25	of	of	ADP
cblr-3006	593	26	the	the	DET
cblr-3006	593	27	expense	expense	NOUN
cblr-3006	593	28	to	to	PART
cblr-3006	593	29	ensure	ensure	VERB
cblr-3006	593	30	the	the	DET
cblr-3006	593	31	market	market	NOUN
cblr-3006	593	32	's	's	PART
cblr-3006	593	33	existence	existence	NOUN
cblr-3006	593	34	and	and	CCONJ
cblr-3006	593	35	its	its	PRON
cblr-3006	593	36	efficient	efficient	ADJ
cblr-3006	593	37	operation	operation	NOUN
cblr-3006	593	38	.	.	PUNCT
cblr-3006	594	1	costs	cost	NOUN
cblr-3006	594	2	will	will	AUX
cblr-3006	594	3	generally	generally	ADV
cblr-3006	594	4	be	be	AUX
cblr-3006	594	5	imposed	impose	VERB
cblr-3006	594	6	on	on	ADP
cblr-3006	594	7	the	the	DET
cblr-3006	594	8	party	party	NOUN
cblr-3006	594	9	with	with	ADP
cblr-3006	594	10	fewer	few	ADJ
cblr-3006	594	11	network	network	NOUN
cblr-3006	594	12	effects	effect	NOUN
cblr-3006	594	13	or	or	CCONJ
cblr-3006	594	14	more	more	ADV
cblr-3006	594	15	inelastic	inelastic	ADJ
cblr-3006	594	16	demand	demand	NOUN
cblr-3006	594	17	.	.	PUNCT
cblr-3006	595	1	recognizing	recognize	VERB
cblr-3006	595	2	the	the	DET
cblr-3006	595	3	two	two	NUM
cblr-3006	595	4	-	-	PUNCT
cblr-3006	595	5	sided	sided	ADJ
cblr-3006	595	6	nature	nature	NOUN
cblr-3006	595	7	of	of	ADP
cblr-3006	595	8	the	the	DET
cblr-3006	595	9	payment	payment	NOUN
cblr-3006	595	10	card	card	NOUN
cblr-3006	595	11	market	market	NOUN
cblr-3006	595	12	can	can	AUX
cblr-3006	595	13	help	help	VERB
cblr-3006	595	14	to	to	PART
cblr-3006	595	15	identify	identify	VERB
cblr-3006	595	16	errors	error	NOUN
cblr-3006	595	17	in	in	ADP
cblr-3006	595	18	recent	recent	ADJ
cblr-3006	595	19	regulatory	regulatory	ADJ
cblr-3006	595	20	decisions	decision	NOUN
cblr-3006	595	21	.	.	PUNCT
cblr-3006	596	1	thus	thus	ADV
cblr-3006	596	2	,	,	PUNCT
cblr-3006	596	3	australia	australia	PROPN
cblr-3006	596	4	's	's	PART
cblr-3006	596	5	cap	cap	NOUN
cblr-3006	596	6	on	on	ADP
cblr-3006	596	7	interchange	interchange	NOUN
cblr-3006	596	8	fees	fee	NOUN
cblr-3006	596	9	will	will	AUX
cblr-3006	596	10	likely	likely	ADV
cblr-3006	596	11	lead	lead	VERB
cblr-3006	596	12	to	to	ADP
cblr-3006	596	13	increased	increase	VERB
cblr-3006	596	14	prices	price	NOUN
cblr-3006	596	15	for	for	ADP
cblr-3006	596	16	consumers	consumer	NOUN
cblr-3006	596	17	for	for	ADP
cblr-3006	596	18	holding	hold	VERB
cblr-3006	596	19	and	and	CCONJ
cblr-3006	596	20	using	use	VERB
cblr-3006	596	21	payment	payment	NOUN
cblr-3006	596	22	cards	card	NOUN
cblr-3006	596	23	,	,	PUNCT
cblr-3006	596	24	which	which	PRON
cblr-3006	596	25	in	in	ADP
cblr-3006	596	26	turn	turn	NOUN
cblr-3006	596	27	will	will	AUX
cblr-3006	596	28	likely	likely	ADV
cblr-3006	596	29	decrease	decrease	VERB
cblr-3006	596	30	competition	competition	NOUN
cblr-3006	596	31	and	and	CCONJ
cblr-3006	596	32	consumer	consumer	NOUN
cblr-3006	596	33	choice	choice	NOUN
cblr-3006	596	34	in	in	ADP
cblr-3006	596	35	the	the	DET
cblr-3006	596	36	payment	payment	NOUN
cblr-3006	596	37	card	card	NOUN
cblr-3006	596	38	market	market	NOUN
cblr-3006	596	39	.	.	PUNCT
cblr-3006	597	1	the	the	DET
cblr-3006	597	2	best	good	ADJ
cblr-3006	597	3	evidence	evidence	NOUN
cblr-3006	597	4	available	available	ADJ
cblr-3006	597	5	to	to	ADP
cblr-3006	597	6	date	date	NOUN
cblr-3006	597	7	rejects	reject	VERB
cblr-3006	597	8	the	the	DET
cblr-3006	597	9	fundamental	fundamental	ADJ
cblr-3006	597	10	premise	premise	NOUN
cblr-3006	597	11	of	of	ADP
cblr-3006	597	12	the	the	DET
cblr-3006	597	13	australian	australian	ADJ
cblr-3006	597	14	rationale	rationale	NOUN
cblr-3006	597	15	and	and	CCONJ
cblr-3006	597	16	finds	find	VERB
cblr-3006	597	17	that	that	SCONJ
cblr-3006	597	18	cards	card	NOUN
cblr-3006	597	19	are	be	AUX
cblr-3006	597	20	not	not	PART
cblr-3006	597	21	overused	overused	ADJ
cblr-3006	597	22	.	.	PUNCT
cblr-3006	598	1	instead	instead	ADV
cblr-3006	598	2	,	,	PUNCT
cblr-3006	598	3	payment	payment	NOUN
cblr-3006	598	4	cards	card	NOUN
cblr-3006	598	5	provide	provide	VERB
cblr-3006	598	6	enormous	enormous	ADJ
cblr-3006	598	7	benefits	benefit	NOUN
cblr-3006	598	8	.	.	PUNCT
cblr-3006	599	1	they	they	PRON
cblr-3006	599	2	should	should	AUX
cblr-3006	599	3	be	be	AUX
cblr-3006	599	4	allowed	allow	VERB
cblr-3006	599	5	to	to	PART
cblr-3006	599	6	grow	grow	VERB
cblr-3006	599	7	and	and	CCONJ
cblr-3006	599	8	thrive	thrive	VERB
cblr-3006	599	9	,	,	PUNCT
cblr-3006	599	10	not	not	PART
cblr-3006	599	11	stifled	stifle	VERB
cblr-3006	599	12	through	through	ADP
cblr-3006	599	13	misplaced	misplaced	ADJ
cblr-3006	599	14	theories	theory	NOUN
cblr-3006	599	15	,	,	PUNCT
cblr-3006	599	16	unsupported	unsupported	ADJ
cblr-3006	599	17	by	by	ADP
cblr-3006	599	18	relevant	relevant	ADJ
cblr-3006	599	19	evidence	evidence	NOUN
cblr-3006	599	20	,	,	PUNCT
cblr-3006	599	21	that	that	PRON
cblr-3006	599	22	encourage	encourage	VERB
cblr-3006	599	23	unnecessary	unnecessary	ADJ
cblr-3006	599	24	regulatory	regulatory	ADJ
cblr-3006	599	25	experimentation	experimentation	NOUN
cblr-3006	599	26	.	.	PUNCT
cblr-3006	600	1	[	[	X
cblr-3006	600	2	vol	vol	NOUN
cblr-3006	600	3	.	.	PUNCT
cblr-3006	600	4	2005	2005	NUM