id	sid	tid	token	lemma	pos
cblr-3007	1	1	the	the	DET
cblr-3007	1	2	regulation	regulation	NOUN
cblr-3007	1	3	of	of	ADP
cblr-3007	1	4	interchange	interchange	NOUN
cblr-3007	1	5	fees	fee	NOUN
cblr-3007	1	6	:	:	PUNCT
cblr-3007	1	7	australian	australian	ADJ
cblr-3007	1	8	fine	fine	NOUN
cblr-3007	1	9	-	-	PUNCT
cblr-3007	1	10	tuning	tuning	NOUN
cblr-3007	1	11	gone	go	VERB
cblr-3007	1	12	awry	awry	ADJ
cblr-3007	1	13	the	the	DET
cblr-3007	1	14	regulation	regulation	NOUN
cblr-3007	1	15	of	of	ADP
cblr-3007	1	16	interchange	interchange	NOUN
cblr-3007	1	17	fees	fee	NOUN
cblr-3007	1	18	:	:	PUNCT
cblr-3007	1	19	australian	australian	ADJ
cblr-3007	1	20	fine	fine	NOUN
cblr-3007	1	21	-	-	PUNCT
cblr-3007	1	22	tuning	tuning	NOUN
cblr-3007	1	23	gone	go	VERB
cblr-3007	2	1	awry	awry	ADJ
cblr-3007	2	2	richard	richard	PROPN
cblr-3007	2	3	a.	a.	PROPN
cblr-3007	2	4	epstein	epstein	PROPN
cblr-3007	2	5	*	*	PROPN
cblr-3007	2	6	i.	i.	PROPN
cblr-3007	2	7	introduction	introduction	NOUN
cblr-3007	2	8	................................................................	................................................................	PUNCT
cblr-3007	2	9	551	551	NUM
cblr-3007	2	10	ii	ii	NOUN
cblr-3007	2	11	.	.	PUNCT
cblr-3007	2	12	methodology	methodology	NOUN
cblr-3007	2	13	and	and	CCONJ
cblr-3007	2	14	conclusion	conclusion	NOUN
cblr-3007	2	15	.....................................	.....................................	PUNCT
cblr-3007	2	16	556	556	NUM
cblr-3007	2	17	iii	iii	NOUN
cblr-3007	2	18	.	.	PUNCT
cblr-3007	2	19	interchange	interchange	NOUN
cblr-3007	2	20	regulation	regulation	NOUN
cblr-3007	2	21	.............................................	.............................................	PUNCT
cblr-3007	2	22	562	562	NUM
cblr-3007	2	23	a.	a.	NOUN
cblr-3007	2	24	m	m	VERB
cblr-3007	2	25	erchant	erchant	ADJ
cblr-3007	2	26	choices	choice	NOUN
cblr-3007	2	27	................................................	................................................	PUNCT
cblr-3007	2	28	562	562	NUM
cblr-3007	2	29	b.	b.	NOUN
cblr-3007	2	30	the	the	DET
cblr-3007	2	31	not	not	PART
cblr-3007	2	32	so	so	ADV
cblr-3007	2	33	subtle	subtle	ADJ
cblr-3007	2	34	credit	credit	NOUN
cblr-3007	2	35	card	card	NOUN
cblr-3007	2	36	benefits	benefit	NOUN
cblr-3007	2	37	............	............	PUNCT
cblr-3007	2	38	568	568	NUM
cblr-3007	2	39	c.	c.	NOUN
cblr-3007	2	40	the	the	DET
cblr-3007	2	41	impact	impact	NOUN
cblr-3007	2	42	of	of	ADP
cblr-3007	2	43	interchange	interchange	NOUN
cblr-3007	2	44	fees	fee	NOUN
cblr-3007	2	45	.........................	.........................	PUNCT
cblr-3007	3	1	571	571	NUM
cblr-3007	3	2	1	1	NUM
cblr-3007	3	3	.	.	PUNCT
cblr-3007	4	1	debit	debit	NOUN
cblr-3007	4	2	instrum	instrum	NOUN
cblr-3007	4	3	ents	ent	NOUN
cblr-3007	4	4	..........................................	..........................................	PUNCT
cblr-3007	5	1	571	571	NUM
cblr-3007	5	2	2	2	NUM
cblr-3007	5	3	.	.	PUNCT
cblr-3007	5	4	closed	close	VERB
cblr-3007	5	5	-	-	PUNCT
cblr-3007	5	6	system	system	NOUN
cblr-3007	5	7	payments	payment	NOUN
cblr-3007	5	8	...............................	...............................	PUNCT
cblr-3007	6	1	575	575	NUM
cblr-3007	6	2	3	3	NUM
cblr-3007	6	3	.	.	PUNCT
cblr-3007	6	4	distributional	distributional	ADJ
cblr-3007	6	5	consequences	consequence	NOUN
cblr-3007	6	6	.........................	.........................	PUNCT
cblr-3007	6	7	579	579	NUM
cblr-3007	6	8	iv	iv	NOUN
cblr-3007	6	9	.	.	PUNCT
cblr-3007	7	1	the	the	DET
cblr-3007	7	2	no	no	DET
cblr-3007	7	3	surcharge	surcharge	NOUN
cblr-3007	7	4	rule	rule	NOUN
cblr-3007	7	5	..............................................	..............................................	PUNCT
cblr-3007	7	6	582	582	NUM
cblr-3007	7	7	v.	v.	ADP
cblr-3007	7	8	the	the	DET
cblr-3007	7	9	uses	use	NOUN
cblr-3007	7	10	and	and	CCONJ
cblr-3007	7	11	limits	limit	NOUN
cblr-3007	7	12	of	of	ADP
cblr-3007	7	13	credit	credit	NOUN
cblr-3007	7	14	card	card	NOUN
cblr-3007	7	15	regulation	regulation	NOUN
cblr-3007	7	16	.....	.....	PUNCT
cblr-3007	8	1	586	586	NUM
cblr-3007	8	2	vi	vi	NOUN
cblr-3007	8	3	.	.	PUNCT
cblr-3007	8	4	antitrust	antitrust	ADJ
cblr-3007	9	1	i	i	PRON
cblr-3007	9	2	m	m	VERB
cblr-3007	9	3	plications	plication	NOUN
cblr-3007	9	4	...............................................	...............................................	PUNCT
cblr-3007	10	1	591	591	NUM
cblr-3007	10	2	v	v	NUM
cblr-3007	10	3	ii	ii	NOUN
cblr-3007	10	4	.	.	PUNCT
cblr-3007	11	1	c	c	PROPN
cblr-3007	11	2	onclusion	onclusion	NOUN
cblr-3007	11	3	..................................................................	..................................................................	PUNCT
cblr-3007	11	4	595	595	NUM
cblr-3007	11	5	i.	i.	NOUN
cblr-3007	11	6	introduction	introduction	NOUN
cblr-3007	11	7	this	this	DET
cblr-3007	11	8	symposium	symposium	NOUN
cblr-3007	11	9	provides	provide	VERB
cblr-3007	11	10	a	a	DET
cblr-3007	11	11	notable	notable	ADJ
cblr-3007	11	12	addition	addition	NOUN
cblr-3007	11	13	to	to	ADP
cblr-3007	11	14	the	the	DET
cblr-3007	11	15	extensive	extensive	ADJ
cblr-3007	11	16	literature	literature	NOUN
cblr-3007	11	17	that	that	PRON
cblr-3007	11	18	has	have	AUX
cblr-3007	11	19	developed	develop	VERB
cblr-3007	11	20	on	on	ADP
cblr-3007	11	21	the	the	DET
cblr-3007	11	22	operation	operation	NOUN
cblr-3007	11	23	of	of	ADP
cblr-3007	11	24	two	two	NUM
cblr-3007	11	25	-	-	PUNCT
cblr-3007	11	26	sided	sided	ADJ
cblr-3007	11	27	markets	market	NOUN
cblr-3007	11	28	.	.	PUNCT
cblr-3007	12	1	two	two	NUM
cblr-3007	12	2	-	-	PUNCT
cblr-3007	12	3	sided	sided	ADJ
cblr-3007	12	4	markets	market	NOUN
cblr-3007	12	5	are	be	AUX
cblr-3007	12	6	generally	generally	ADV
cblr-3007	12	7	defined	define	VERB
cblr-3007	12	8	as	as	ADP
cblr-3007	12	9	markets	market	NOUN
cblr-3007	12	10	in	in	ADP
cblr-3007	12	11	which	which	PRON
cblr-3007	12	12	the	the	DET
cblr-3007	12	13	value	value	NOUN
cblr-3007	12	14	attributed	attribute	VERB
cblr-3007	12	15	to	to	ADP
cblr-3007	12	16	the	the	DET
cblr-3007	12	17	goods	good	NOUN
cblr-3007	12	18	and	and	CCONJ
cblr-3007	12	19	services	service	NOUN
cblr-3007	12	20	received	receive	VERB
cblr-3007	12	21	by	by	ADP
cblr-3007	12	22	parties	party	NOUN
cblr-3007	12	23	on	on	ADP
cblr-3007	12	24	one	one	NUM
cblr-3007	12	25	side	side	NOUN
cblr-3007	12	26	of	of	ADP
cblr-3007	12	27	an	an	DET
cblr-3007	12	28	exchange	exchange	NOUN
cblr-3007	12	29	depends	depend	VERB
cblr-3007	12	30	not	not	PART
cblr-3007	12	31	only	only	ADV
cblr-3007	12	32	on	on	ADP
cblr-3007	12	33	the	the	DET
cblr-3007	12	34	intrinsic	intrinsic	ADJ
cblr-3007	12	35	properties	property	NOUN
cblr-3007	12	36	of	of	ADP
cblr-3007	12	37	those	those	DET
cblr-3007	12	38	items	item	NOUN
cblr-3007	12	39	,	,	PUNCT
cblr-3007	12	40	but	but	CCONJ
cblr-3007	12	41	also	also	ADV
cblr-3007	12	42	on	on	ADP
cblr-3007	12	43	the	the	DET
cblr-3007	12	44	number	number	NOUN
cblr-3007	12	45	of	of	ADP
cblr-3007	12	46	parties	party	NOUN
cblr-3007	12	47	located	locate	VERB
cblr-3007	12	48	on	on	ADP
cblr-3007	12	49	the	the	DET
cblr-3007	12	50	other	other	ADJ
cblr-3007	12	51	side	side	NOUN
cblr-3007	12	52	.	.	PUNCT
cblr-3007	13	1	in	in	ADP
cblr-3007	13	2	the	the	DET
cblr-3007	13	3	credit	credit	NOUN
cblr-3007	13	4	card	card	NOUN
cblr-3007	13	5	context	context	NOUN
cblr-3007	13	6	,	,	PUNCT
cblr-3007	13	7	which	which	PRON
cblr-3007	13	8	i	i	PRON
cblr-3007	13	9	shall	shall	AUX
cblr-3007	13	10	address	address	VERB
cblr-3007	13	11	here	here	ADV
cblr-3007	13	12	,	,	PUNCT
cblr-3007	13	13	the	the	DET
cblr-3007	13	14	story	story	NOUN
cblr-3007	13	15	plays	play	VERB
cblr-3007	13	16	out	out	ADP
cblr-3007	13	17	as	as	SCONJ
cblr-3007	13	18	follows	follow	VERB
cblr-3007	13	19	:	:	PUNCT
cblr-3007	13	20	merchants	merchant	NOUN
cblr-3007	13	21	accept	accept	VERB
cblr-3007	13	22	credit	credit	NOUN
cblr-3007	13	23	cards	card	NOUN
cblr-3007	13	24	only	only	ADV
cblr-3007	13	25	*	*	PUNCT
cblr-3007	13	26	james	james	PROPN
cblr-3007	13	27	parker	parker	PROPN
cblr-3007	13	28	hall	hall	PROPN
cblr-3007	13	29	distinguished	distinguish	VERB
cblr-3007	13	30	professor	professor	NOUN
cblr-3007	13	31	of	of	ADP
cblr-3007	13	32	law	law	NOUN
cblr-3007	13	33	,	,	PUNCT
cblr-3007	13	34	the	the	DET
cblr-3007	13	35	university	university	NOUN
cblr-3007	13	36	of	of	ADP
cblr-3007	13	37	chicago	chicago	PROPN
cblr-3007	13	38	;	;	PUNCT
cblr-3007	13	39	the	the	DET
cblr-3007	13	40	peter	peter	PROPN
cblr-3007	13	41	and	and	CCONJ
cblr-3007	13	42	kirsten	kirsten	VERB
cblr-3007	13	43	senior	senior	ADJ
cblr-3007	13	44	fellow	fellow	NOUN
cblr-3007	13	45	,	,	PUNCT
cblr-3007	13	46	the	the	DET
cblr-3007	13	47	hoover	hoover	NOUN
cblr-3007	13	48	institution	institution	NOUN
cblr-3007	13	49	;	;	PUNCT
cblr-3007	13	50	affiliate	affiliate	NOUN
cblr-3007	13	51	,	,	PUNCT
cblr-3007	13	52	lecg	lecg	PROPN
cblr-3007	13	53	.	.	PUNCT
cblr-3007	14	1	the	the	DET
cblr-3007	14	2	research	research	NOUN
cblr-3007	14	3	for	for	ADP
cblr-3007	14	4	this	this	DET
cblr-3007	14	5	paper	paper	NOUN
cblr-3007	14	6	was	be	AUX
cblr-3007	14	7	conducted	conduct	VERB
cblr-3007	14	8	with	with	ADP
cblr-3007	14	9	the	the	DET
cblr-3007	14	10	financial	financial	ADJ
cblr-3007	14	11	support	support	NOUN
cblr-3007	14	12	of	of	ADP
cblr-3007	14	13	visa	visa	NOUN
cblr-3007	14	14	.	.	PUNCT
cblr-3007	15	1	my	my	PRON
cblr-3007	15	2	thanks	thank	NOUN
cblr-3007	15	3	to	to	ADP
cblr-3007	15	4	tom	tom	PROPN
cblr-3007	15	5	brown	brown	PROPN
cblr-3007	15	6	of	of	ADP
cblr-3007	15	7	visa	visa	NOUN
cblr-3007	15	8	for	for	ADP
cblr-3007	15	9	his	his	PRON
cblr-3007	15	10	constant	constant	ADJ
cblr-3007	15	11	advice	advice	NOUN
cblr-3007	15	12	and	and	CCONJ
cblr-3007	15	13	to	to	ADP
cblr-3007	15	14	howard	howard	PROPN
cblr-3007	15	15	chang	chang	PROPN
cblr-3007	15	16	and	and	CCONJ
cblr-3007	15	17	david	david	PROPN
cblr-3007	15	18	evans	evans	PROPN
cblr-3007	15	19	of	of	ADP
cblr-3007	15	20	lecg	lecg	PROPN
cblr-3007	15	21	for	for	ADP
cblr-3007	15	22	their	their	PRON
cblr-3007	15	23	continued	continue	VERB
cblr-3007	15	24	involvement	involvement	NOUN
cblr-3007	15	25	in	in	ADP
cblr-3007	15	26	my	my	PRON
cblr-3007	15	27	work	work	NOUN
cblr-3007	15	28	.	.	PUNCT
cblr-3007	16	1	the	the	DET
cblr-3007	16	2	views	view	NOUN
cblr-3007	16	3	expressed	express	VERB
cblr-3007	16	4	herein	herein	NOUN
cblr-3007	16	5	are	be	AUX
cblr-3007	16	6	my	my	PRON
cblr-3007	16	7	own	own	ADJ
cblr-3007	16	8	.	.	PUNCT
cblr-3007	17	1	columbia	columbia	PROPN
cblr-3007	17	2	business	business	PROPN
cblr-3007	17	3	la	la	PROPN
cblr-3007	17	4	w	w	PROPN
cblr-3007	17	5	review	review	NOUN
cblr-3007	17	6	if	if	SCONJ
cblr-3007	17	7	customers	customer	NOUN
cblr-3007	17	8	are	be	AUX
cblr-3007	17	9	willing	willing	ADJ
cblr-3007	17	10	to	to	PART
cblr-3007	17	11	use	use	VERB
cblr-3007	17	12	them	they	PRON
cblr-3007	17	13	to	to	PART
cblr-3007	17	14	make	make	VERB
cblr-3007	17	15	purchases	purchase	NOUN
cblr-3007	17	16	.	.	PUNCT
cblr-3007	18	1	customers	customer	NOUN
cblr-3007	18	2	use	use	VERB
cblr-3007	18	3	credit	credit	NOUN
cblr-3007	18	4	cards	card	NOUN
cblr-3007	18	5	only	only	ADV
cblr-3007	18	6	if	if	SCONJ
cblr-3007	18	7	merchants	merchant	NOUN
cblr-3007	18	8	will	will	AUX
cblr-3007	18	9	accept	accept	VERB
cblr-3007	18	10	them	they	PRON
cblr-3007	18	11	.	.	PUNCT
cblr-3007	19	1	today	today	NOUN
cblr-3007	19	2	,	,	PUNCT
cblr-3007	19	3	there	there	PRON
cblr-3007	19	4	also	also	ADV
cblr-3007	19	5	exists	exist	VERB
cblr-3007	19	6	extensive	extensive	ADJ
cblr-3007	19	7	literature	literature	NOUN
cblr-3007	19	8	describing	describe	VERB
cblr-3007	19	9	the	the	DET
cblr-3007	19	10	theoretical	theoretical	ADJ
cblr-3007	19	11	features	feature	NOUN
cblr-3007	19	12	of	of	ADP
cblr-3007	19	13	these	these	DET
cblr-3007	19	14	markets	market	NOUN
cblr-3007	19	15	,	,	PUNCT
cblr-3007	19	16	which	which	PRON
cblr-3007	19	17	,	,	PUNCT
cblr-3007	19	18	as	as	SCONJ
cblr-3007	19	19	this	this	DET
cblr-3007	19	20	article	article	NOUN
cblr-3007	19	21	will	will	AUX
cblr-3007	19	22	explain	explain	VERB
cblr-3007	19	23	,	,	PUNCT
cblr-3007	19	24	do	do	AUX
cblr-3007	19	25	not	not	PART
cblr-3007	19	26	operate	operate	VERB
cblr-3007	19	27	with	with	ADP
cblr-3007	19	28	the	the	DET
cblr-3007	19	29	matchless	matchless	ADJ
cblr-3007	19	30	efficiency	efficiency	NOUN
cblr-3007	19	31	of	of	ADP
cblr-3007	19	32	ordinary	ordinary	ADJ
cblr-3007	19	33	competitive	competitive	ADJ
cblr-3007	19	34	markets	market	NOUN
cblr-3007	19	35	.	.	PUNCT
cblr-3007	19	36	'	'	PUNCT
cblr-3007	20	1	given	give	VERB
cblr-3007	20	2	this	this	DET
cblr-3007	20	3	starting	starting	NOUN
cblr-3007	20	4	point	point	NOUN
cblr-3007	20	5	,	,	PUNCT
cblr-3007	20	6	the	the	DET
cblr-3007	20	7	question	question	NOUN
cblr-3007	20	8	of	of	ADP
cblr-3007	20	9	industrial	industrial	ADJ
cblr-3007	20	10	organization	organization	NOUN
cblr-3007	20	11	faced	face	VERB
cblr-3007	20	12	in	in	ADP
cblr-3007	20	13	two	two	NUM
cblr-3007	20	14	-	-	PUNCT
cblr-3007	20	15	sided	sided	ADJ
cblr-3007	20	16	markets	market	NOUN
cblr-3007	20	17	is	be	AUX
cblr-3007	20	18	that	that	PRON
cblr-3007	20	19	of	of	ADP
cblr-3007	20	20	selecting	select	VERB
cblr-3007	20	21	the	the	DET
cblr-3007	20	22	second	second	ADJ
cblr-3007	20	23	best	good	ADJ
cblr-3007	20	24	option	option	NOUN
cblr-3007	20	25	.	.	PUNCT
cblr-3007	21	1	because	because	SCONJ
cblr-3007	21	2	the	the	DET
cblr-3007	21	3	ideal	ideal	ADJ
cblr-3007	21	4	solution	solution	NOUN
cblr-3007	21	5	can	can	AUX
cblr-3007	21	6	not	not	PART
cblr-3007	21	7	be	be	AUX
cblr-3007	21	8	achieved	achieve	VERB
cblr-3007	21	9	,	,	PUNCT
cblr-3007	21	10	we	we	PRON
cblr-3007	21	11	must	must	AUX
cblr-3007	21	12	locate	locate	VERB
cblr-3007	21	13	the	the	DET
cblr-3007	21	14	closest	close	ADJ
cblr-3007	21	15	approximation	approximation	NOUN
cblr-3007	21	16	to	to	ADP
cblr-3007	21	17	that	that	DET
cblr-3007	21	18	ideal	ideal	NOUN
cblr-3007	21	19	that	that	PRON
cblr-3007	21	20	can	can	AUX
cblr-3007	21	21	be	be	AUX
cblr-3007	21	22	attained	attain	VERB
cblr-3007	21	23	under	under	ADP
cblr-3007	21	24	practical	practical	ADJ
cblr-3007	21	25	circumstances	circumstance	NOUN
cblr-3007	21	26	.	.	PUNCT
cblr-3007	22	1	stated	state	VERB
cblr-3007	22	2	more	more	ADV
cblr-3007	22	3	generally	generally	ADV
cblr-3007	22	4	,	,	PUNCT
cblr-3007	22	5	this	this	DET
cblr-3007	22	6	inquiry	inquiry	NOUN
cblr-3007	22	7	can	can	AUX
cblr-3007	22	8	be	be	AUX
cblr-3007	22	9	reduced	reduce	VERB
cblr-3007	22	10	to	to	ADP
cblr-3007	22	11	the	the	DET
cblr-3007	22	12	question	question	NOUN
cblr-3007	22	13	of	of	ADP
cblr-3007	22	14	whether	whether	SCONJ
cblr-3007	22	15	state	state	NOUN
cblr-3007	22	16	regulation	regulation	NOUN
cblr-3007	22	17	can	can	AUX
cblr-3007	22	18	improve	improve	VERB
cblr-3007	22	19	the	the	DET
cblr-3007	22	20	operation	operation	NOUN
cblr-3007	22	21	of	of	ADP
cblr-3007	22	22	twosided	twoside	VERB
cblr-3007	22	23	markets	market	NOUN
cblr-3007	22	24	.	.	PUNCT
cblr-3007	23	1	fortunately	fortunately	ADV
cblr-3007	23	2	,	,	PUNCT
cblr-3007	23	3	we	we	PRON
cblr-3007	23	4	do	do	AUX
cblr-3007	23	5	not	not	PART
cblr-3007	23	6	have	have	VERB
cblr-3007	23	7	to	to	PART
cblr-3007	23	8	examine	examine	VERB
cblr-3007	23	9	two	two	NUM
cblr-3007	23	10	-	-	PUNCT
cblr-3007	23	11	sided	sided	ADJ
cblr-3007	23	12	markets	market	NOUN
cblr-3007	23	13	solely	solely	ADV
cblr-3007	23	14	from	from	ADP
cblr-3007	23	15	a	a	DET
cblr-3007	23	16	theoretical	theoretical	ADJ
cblr-3007	23	17	perspective	perspective	NOUN
cblr-3007	23	18	.	.	PUNCT
cblr-3007	24	1	we	we	PRON
cblr-3007	24	2	have	have	AUX
cblr-3007	24	3	available	available	ADJ
cblr-3007	24	4	at	at	ADV
cblr-3007	24	5	least	least	ADV
cblr-3007	24	6	one	one	NUM
cblr-3007	24	7	real	real	ADJ
cblr-3007	24	8	world	world	NOUN
cblr-3007	24	9	example	example	NOUN
cblr-3007	24	10	,	,	PUNCT
cblr-3007	24	11	namely	namely	ADV
cblr-3007	24	12	the	the	DET
cblr-3007	24	13	interchange	interchange	NOUN
cblr-3007	24	14	fee	fee	NOUN
cblr-3007	24	15	restrictions	restriction	NOUN
cblr-3007	24	16	that	that	PRON
cblr-3007	24	17	the	the	DET
cblr-3007	24	18	reserve	reserve	PROPN
cblr-3007	24	19	bank	bank	PROPN
cblr-3007	24	20	of	of	ADP
cblr-3007	24	21	australia	australia	PROPN
cblr-3007	24	22	(	(	PUNCT
cblr-3007	24	23	"	"	PUNCT
cblr-3007	24	24	rba	rba	NOUN
cblr-3007	24	25	"	"	PUNCT
cblr-3007	24	26	)	)	PUNCT
cblr-3007	24	27	imposed	impose	VERB
cblr-3007	24	28	on	on	ADP
cblr-3007	24	29	the	the	DET
cblr-3007	24	30	credit	credit	NOUN
cblr-3007	24	31	card	card	NOUN
cblr-3007	24	32	industry	industry	NOUN
cblr-3007	24	33	in	in	ADP
cblr-3007	24	34	july	july	PROPN
cblr-3007	24	35	of	of	ADP
cblr-3007	24	36	2003.2	2003.2	NUM
cblr-3007	24	37	in	in	ADP
cblr-3007	24	38	a	a	DET
cblr-3007	24	39	report	report	NOUN
cblr-3007	24	40	entitled	entitle	VERB
cblr-3007	24	41	reform	reform	NOUN
cblr-3007	24	42	of	of	ADP
cblr-3007	24	43	credit	credit	NOUN
cblr-3007	24	44	card	card	NOUN
cblr-3007	24	45	schemes	scheme	NOUN
cblr-3007	24	46	in	in	ADP
cblr-3007	24	47	australia	australia	PROPN
cblr-3007	24	48	,	,	PUNCT
cblr-3007	24	49	the	the	DET
cblr-3007	24	50	rba	rba	NOUN
cblr-3007	24	51	implemented	implement	VERB
cblr-3007	24	52	a	a	DET
cblr-3007	24	53	series	series	NOUN
cblr-3007	24	54	of	of	ADP
cblr-3007	24	55	recommendations	recommendation	NOUN
cblr-3007	24	56	that	that	PRON
cblr-3007	24	57	had	have	AUX
cblr-3007	24	58	been	be	AUX
cblr-3007	24	59	announced	announce	VERB
cblr-3007	24	60	in	in	ADP
cblr-3007	24	61	its	its	PRON
cblr-3007	24	62	comprehensive	comprehensive	ADJ
cblr-3007	24	63	2001	2001	NUM
cblr-3007	24	64	regulatory	regulatory	ADJ
cblr-3007	24	65	initiative	initiative	NOUN
cblr-3007	24	66	.	.	PUNCT
cblr-3007	24	67	'	'	PUNCT
cblr-3007	25	1	1	1	NUM
cblr-3007	25	2	william	william	PROPN
cblr-3007	25	3	f.	f.	PROPN
cblr-3007	25	4	baxter	baxter	PROPN
cblr-3007	25	5	,	,	PUNCT
cblr-3007	25	6	bank	bank	NOUN
cblr-3007	25	7	interchange	interchange	NOUN
cblr-3007	25	8	of	of	ADP
cblr-3007	25	9	transactional	transactional	ADJ
cblr-3007	25	10	paper	paper	NOUN
cblr-3007	25	11	:	:	PUNCT
cblr-3007	25	12	legal	legal	ADJ
cblr-3007	25	13	and	and	CCONJ
cblr-3007	25	14	economic	economic	ADJ
cblr-3007	25	15	perspectives	perspective	NOUN
cblr-3007	25	16	,	,	PUNCT
cblr-3007	25	17	26	26	NUM
cblr-3007	25	18	j.l	j.l	PROPN
cblr-3007	25	19	.	.	PROPN
cblr-3007	25	20	&	&	CCONJ
cblr-3007	25	21	econ	econ	PROPN
cblr-3007	25	22	.	.	PUNCT
cblr-3007	26	1	541	541	NUM
cblr-3007	26	2	(	(	PUNCT
cblr-3007	26	3	1983	1983	NUM
cblr-3007	26	4	)	)	PUNCT
cblr-3007	26	5	.	.	PUNCT
cblr-3007	27	1	2	2	NUM
cblr-3007	27	2	for	for	ADP
cblr-3007	27	3	a	a	DET
cblr-3007	27	4	more	more	ADV
cblr-3007	27	5	detailed	detailed	ADJ
cblr-3007	27	6	discussion	discussion	NOUN
cblr-3007	27	7	of	of	ADP
cblr-3007	27	8	the	the	DET
cblr-3007	27	9	rba	rba	NOUN
cblr-3007	27	10	's	's	PART
cblr-3007	27	11	regulatory	regulatory	ADJ
cblr-3007	27	12	initiative	initiative	NOUN
cblr-3007	27	13	,	,	PUNCT
cblr-3007	27	14	see	see	VERB
cblr-3007	27	15	howard	howard	PROPN
cblr-3007	27	16	h.	h.	PROPN
cblr-3007	27	17	chang	chang	PROPN
cblr-3007	27	18	et	et	PROPN
cblr-3007	27	19	al	al	PROPN
cblr-3007	27	20	.	.	PROPN
cblr-3007	27	21	,	,	PUNCT
cblr-3007	27	22	the	the	DET
cblr-3007	27	23	effect	effect	NOUN
cblr-3007	27	24	of	of	ADP
cblr-3007	27	25	regulatory	regulatory	ADJ
cblr-3007	27	26	intervention	intervention	NOUN
cblr-3007	27	27	in	in	ADP
cblr-3007	27	28	twosided	twoside	VERB
cblr-3007	27	29	markets	market	NOUN
cblr-3007	27	30	:	:	PUNCT
cblr-3007	27	31	an	an	DET
cblr-3007	27	32	assessment	assessment	NOUN
cblr-3007	27	33	of	of	ADP
cblr-3007	27	34	interchange	interchange	NOUN
cblr-3007	27	35	-	-	PUNCT
cblr-3007	27	36	fee	fee	NOUN
cblr-3007	27	37	capping	capping	NOUN
cblr-3007	27	38	in	in	ADP
cblr-3007	27	39	australia	australia	PROPN
cblr-3007	27	40	,	,	PUNCT
cblr-3007	27	41	rev	rev	PROPN
cblr-3007	27	42	.	.	PROPN
cblr-3007	27	43	of	of	ADP
cblr-3007	27	44	network	network	PROPN
cblr-3007	27	45	econ	econ	PROPN
cblr-3007	27	46	.	.	PUNCT
cblr-3007	28	1	(	(	PUNCT
cblr-3007	28	2	forthcoming	forthcoming	ADJ
cblr-3007	28	3	2005	2005	NUM
cblr-3007	28	4	)	)	PUNCT
cblr-3007	28	5	,	,	PUNCT
cblr-3007	28	6	available	available	ADJ
cblr-3007	28	7	at	at	ADP
cblr-3007	28	8	http://papers.ssrn.com/sol3/papers.cfm?abstractid=820044	http://papers.ssrn.com/sol3/papers.cfm?abstractid=820044	PROPN
cblr-3007	29	1	[	[	X
cblr-3007	29	2	hereinafter	hereinafter	NOUN
cblr-3007	29	3	chang	chang	PROPN
cblr-3007	29	4	,	,	PUNCT
cblr-3007	29	5	australian	australian	ADJ
cblr-3007	29	6	interchange	interchange	NOUN
cblr-3007	29	7	]	]	PUNCT
cblr-3007	29	8	.	.	PUNCT
cblr-3007	29	9	3	3	NUM
cblr-3007	29	10	reserve	reserve	PROPN
cblr-3007	29	11	bank	bank	PROPN
cblr-3007	29	12	of	of	ADP
cblr-3007	29	13	australia	australia	PROPN
cblr-3007	29	14	,	,	PUNCT
cblr-3007	29	15	reform	reform	NOUN
cblr-3007	29	16	of	of	ADP
cblr-3007	29	17	credit	credit	NOUN
cblr-3007	29	18	card	card	NOUN
cblr-3007	29	19	schemes	scheme	NOUN
cblr-3007	29	20	in	in	ADP
cblr-3007	29	21	australia	australia	PROPN
cblr-3007	29	22	i	i	PRON
cblr-3007	29	23	(	(	PUNCT
cblr-3007	29	24	2001	2001	NUM
cblr-3007	29	25	)	)	PUNCT
cblr-3007	29	26	,	,	PUNCT
cblr-3007	29	27	available	available	ADJ
cblr-3007	29	28	at	at	ADP
cblr-3007	29	29	http://www.rba.gov.au/paymentssystem	http://www.rba.gov.au/paymentssystem	PROPN
cblr-3007	29	30	reforms	reform	NOUN
cblr-3007	29	31	/	/	SYM
cblr-3007	29	32	ccschemes	ccscheme	NOUN
cblr-3007	29	33	/	/	SYM
cblr-3007	29	34	iaconsultdoc	iaconsultdoc	PROPN
cblr-3007	29	35	/	/	SYM
cblr-3007	29	36	index.html	index.html	PROPN
cblr-3007	30	1	[	[	X
cblr-3007	30	2	hereinafter	hereinafter	NOUN
cblr-3007	30	3	rba	rba	NOUN
cblr-3007	30	4	,	,	PUNCT
cblr-3007	30	5	australian	australian	ADJ
cblr-3007	30	6	reform	reform	NOUN
cblr-3007	30	7	]	]	PUNCT
cblr-3007	30	8	.	.	PUNCT
cblr-3007	31	1	the	the	DET
cblr-3007	31	2	rba	rba	NOUN
cblr-3007	31	3	relied	rely	VERB
cblr-3007	31	4	heavily	heavily	ADV
cblr-3007	31	5	on	on	ADP
cblr-3007	31	6	michael	michael	PROPN
cblr-3007	31	7	l.	l.	PROPN
cblr-3007	31	8	katz	katz	PROPN
cblr-3007	31	9	,	,	PUNCT
cblr-3007	31	10	reserve	reserve	PROPN
cblr-3007	31	11	bank	bank	PROPN
cblr-3007	31	12	of	of	ADP
cblr-3007	31	13	australia	australia	PROPN
cblr-3007	31	14	,	,	PUNCT
cblr-3007	31	15	network	network	NOUN
cblr-3007	31	16	effects	effect	NOUN
cblr-3007	31	17	,	,	PUNCT
cblr-3007	31	18	interchange	interchange	NOUN
cblr-3007	31	19	fees	fee	NOUN
cblr-3007	31	20	,	,	PUNCT
cblr-3007	31	21	and	and	CCONJ
cblr-3007	31	22	nosurcharge	nosurcharge	NOUN
cblr-3007	31	23	rules	rule	NOUN
cblr-3007	31	24	in	in	ADP
cblr-3007	31	25	the	the	DET
cblr-3007	31	26	australian	australian	ADJ
cblr-3007	31	27	credit	credit	NOUN
cblr-3007	31	28	and	and	CCONJ
cblr-3007	31	29	charge	charge	NOUN
cblr-3007	31	30	card	card	NOUN
cblr-3007	31	31	industry	industry	NOUN
cblr-3007	31	32	,	,	PUNCT
cblr-3007	31	33	in	in	ADP
cblr-3007	31	34	reform	reform	NOUN
cblr-3007	31	35	of	of	ADP
cblr-3007	31	36	credit	credit	NOUN
cblr-3007	31	37	card	card	NOUN
cblr-3007	31	38	schemes	scheme	NOUN
cblr-3007	31	39	in	in	ADP
cblr-3007	31	40	australia	australia	PROPN
cblr-3007	31	41	ii	ii	PROPN
cblr-3007	31	42	(	(	PUNCT
cblr-3007	31	43	2001	2001	NUM
cblr-3007	31	44	)	)	PUNCT
cblr-3007	31	45	,	,	PUNCT
cblr-3007	31	46	available	available	ADJ
cblr-3007	31	47	at	at	ADP
cblr-3007	31	48	http://www.rba.gov.au/paymentssystemi/reforms/ccschemes/iicommissio	http://www.rba.gov.au/paymentssystemi/reforms/ccschemes/iicommissio	PROPN
cblr-3007	31	49	nedreport	nedreport	PROPN
cblr-3007	31	50	/	/	SYM
cblr-3007	31	51	index.html	index.html	PROPN
cblr-3007	31	52	.	.	PUNCT
cblr-3007	32	1	[	[	X
cblr-3007	32	2	vol	vol	NOUN
cblr-3007	32	3	.	.	NOUN
cblr-3007	32	4	2005	2005	NUM
cblr-3007	32	5	to	to	PART
cblr-3007	32	6	assess	assess	VERB
cblr-3007	32	7	this	this	DET
cblr-3007	32	8	report	report	NOUN
cblr-3007	32	9	and	and	CCONJ
cblr-3007	32	10	the	the	DET
cblr-3007	32	11	regulations	regulation	NOUN
cblr-3007	32	12	it	it	PRON
cblr-3007	32	13	has	have	AUX
cblr-3007	32	14	spawned	spawn	VERB
cblr-3007	32	15	,	,	PUNCT
cblr-3007	32	16	it	it	PRON
cblr-3007	32	17	is	be	AUX
cblr-3007	32	18	useful	useful	ADJ
cblr-3007	32	19	to	to	PART
cblr-3007	32	20	review	review	VERB
cblr-3007	32	21	the	the	DET
cblr-3007	32	22	basic	basic	ADJ
cblr-3007	32	23	features	feature	NOUN
cblr-3007	32	24	of	of	ADP
cblr-3007	32	25	the	the	DET
cblr-3007	32	26	credit	credit	NOUN
cblr-3007	32	27	card	card	NOUN
cblr-3007	32	28	system	system	NOUN
cblr-3007	32	29	.	.	PUNCT
cblr-3007	33	1	the	the	DET
cblr-3007	33	2	credit	credit	NOUN
cblr-3007	33	3	card	card	NOUN
cblr-3007	33	4	system	system	NOUN
cblr-3007	33	5	is	be	AUX
cblr-3007	33	6	one	one	NUM
cblr-3007	33	7	component	component	NOUN
cblr-3007	33	8	of	of	ADP
cblr-3007	33	9	a	a	DET
cblr-3007	33	10	larger	large	ADJ
cblr-3007	33	11	payment	payment	NOUN
cblr-3007	33	12	system	system	NOUN
cblr-3007	33	13	,	,	PUNCT
cblr-3007	33	14	which	which	PRON
cblr-3007	33	15	includes	include	VERB
cblr-3007	33	16	cash	cash	NOUN
cblr-3007	33	17	,	,	PUNCT
cblr-3007	33	18	checks	check	NOUN
cblr-3007	33	19	,	,	PUNCT
cblr-3007	33	20	debit	debit	NOUN
cblr-3007	33	21	and	and	CCONJ
cblr-3007	33	22	credit	credit	NOUN
cblr-3007	33	23	cards	card	NOUN
cblr-3007	33	24	,	,	PUNCT
cblr-3007	33	25	and	and	CCONJ
cblr-3007	33	26	charge	charge	NOUN
cblr-3007	33	27	cards	card	NOUN
cblr-3007	33	28	-	-	PUNCT
cblr-3007	33	29	the	the	DET
cblr-3007	33	30	last	last	ADJ
cblr-3007	33	31	of	of	ADP
cblr-3007	33	32	which	which	PRON
cblr-3007	33	33	provide	provide	VERB
cblr-3007	33	34	credit	credit	NOUN
cblr-3007	33	35	only	only	ADV
cblr-3007	33	36	for	for	ADP
cblr-3007	33	37	purchases	purchase	NOUN
cblr-3007	33	38	made	make	VERB
cblr-3007	33	39	from	from	ADP
cblr-3007	33	40	the	the	DET
cblr-3007	33	41	business	business	NOUN
cblr-3007	33	42	that	that	PRON
cblr-3007	33	43	issued	issue	VERB
cblr-3007	33	44	the	the	DET
cblr-3007	33	45	card.4	card.4	NOUN
cblr-3007	33	46	bankcard	bankcard	NOUN
cblr-3007	33	47	,	,	PUNCT
cblr-3007	33	48	an	an	DET
cblr-3007	33	49	australian	australian	ADJ
cblr-3007	33	50	operation	operation	NOUN
cblr-3007	33	51	,	,	PUNCT
cblr-3007	33	52	as	as	ADV
cblr-3007	33	53	well	well	ADV
cblr-3007	33	54	as	as	ADP
cblr-3007	33	55	visa	visa	NOUN
cblr-3007	33	56	and	and	CCONJ
cblr-3007	33	57	mastercard	mastercard	NOUN
cblr-3007	33	58	,	,	PUNCT
cblr-3007	33	59	employ	employ	VERB
cblr-3007	33	60	what	what	PRON
cblr-3007	33	61	are	be	AUX
cblr-3007	33	62	known	know	VERB
cblr-3007	33	63	as	as	ADP
cblr-3007	33	64	open	open	ADJ
cblr-3007	33	65	credit	credit	NOUN
cblr-3007	33	66	card	card	NOUN
cblr-3007	33	67	systems	system	NOUN
cblr-3007	33	68	,	,	PUNCT
cblr-3007	33	69	which	which	PRON
cblr-3007	33	70	stand	stand	VERB
cblr-3007	33	71	in	in	ADP
cblr-3007	33	72	contrast	contrast	NOUN
cblr-3007	33	73	to	to	ADP
cblr-3007	33	74	closed	close	VERB
cblr-3007	33	75	credit	credit	NOUN
cblr-3007	33	76	card	card	NOUN
cblr-3007	33	77	systems	system	NOUN
cblr-3007	33	78	,	,	PUNCT
cblr-3007	33	79	both	both	PRON
cblr-3007	33	80	of	of	ADP
cblr-3007	33	81	which	which	PRON
cblr-3007	33	82	are	be	AUX
cblr-3007	33	83	explained	explain	VERB
cblr-3007	33	84	below	below	ADV
cblr-3007	33	85	.	.	PUNCT
cblr-3007	34	1	the	the	DET
cblr-3007	34	2	rba	rba	NOUN
cblr-3007	34	3	's	's	PART
cblr-3007	34	4	key	key	ADJ
cblr-3007	34	5	initiatives	initiative	NOUN
cblr-3007	34	6	focused	focus	VERB
cblr-3007	34	7	on	on	ADP
cblr-3007	34	8	two	two	NUM
cblr-3007	34	9	essential	essential	ADJ
cblr-3007	34	10	features	feature	NOUN
cblr-3007	34	11	of	of	ADP
cblr-3007	34	12	the	the	DET
cblr-3007	34	13	open	open	ADJ
cblr-3007	34	14	credit	credit	NOUN
cblr-3007	34	15	card	card	NOUN
cblr-3007	34	16	systems	system	NOUN
cblr-3007	34	17	used	use	VERB
cblr-3007	34	18	by	by	ADP
cblr-3007	34	19	bankcard	bankcard	NOUN
cblr-3007	34	20	,	,	PUNCT
cblr-3007	34	21	visa	visa	NOUN
cblr-3007	34	22	,	,	PUNCT
cblr-3007	34	23	and	and	CCONJ
cblr-3007	34	24	mastercard	mastercard	NOUN
cblr-3007	34	25	.	.	PUNCT
cblr-3007	35	1	the	the	DET
cblr-3007	35	2	first	first	ADJ
cblr-3007	35	3	of	of	ADP
cblr-3007	35	4	these	these	PRON
cblr-3007	35	5	was	be	AUX
cblr-3007	35	6	the	the	DET
cblr-3007	35	7	regulation	regulation	NOUN
cblr-3007	35	8	of	of	ADP
cblr-3007	35	9	interchange	interchange	NOUN
cblr-3007	35	10	fees	fee	NOUN
cblr-3007	35	11	.	.	PUNCT
cblr-3007	36	1	the	the	DET
cblr-3007	36	2	second	second	ADJ
cblr-3007	36	3	was	be	AUX
cblr-3007	36	4	a	a	DET
cblr-3007	36	5	contract	contract	NOUN
cblr-3007	36	6	provision	provision	NOUN
cblr-3007	36	7	that	that	PRON
cblr-3007	36	8	prevents	prevent	VERB
cblr-3007	36	9	merchants	merchant	NOUN
cblr-3007	36	10	in	in	ADP
cblr-3007	36	11	these	these	DET
cblr-3007	36	12	systems	system	NOUN
cblr-3007	36	13	from	from	ADP
cblr-3007	36	14	offering	offer	VERB
cblr-3007	36	15	lower	low	ADJ
cblr-3007	36	16	prices	price	NOUN
cblr-3007	36	17	to	to	ADP
cblr-3007	36	18	their	their	PRON
cblr-3007	36	19	cash	cash	NOUN
cblr-3007	36	20	customers	customer	NOUN
cblr-3007	36	21	.	.	PUNCT
cblr-3007	37	1	in	in	ADP
cblr-3007	37	2	order	order	NOUN
cblr-3007	37	3	to	to	PART
cblr-3007	37	4	assess	assess	VERB
cblr-3007	37	5	these	these	DET
cblr-3007	37	6	two	two	NUM
cblr-3007	37	7	initiatives	initiative	NOUN
cblr-3007	37	8	,	,	PUNCT
cblr-3007	37	9	it	it	PRON
cblr-3007	37	10	is	be	AUX
cblr-3007	37	11	helpful	helpful	ADJ
cblr-3007	37	12	first	first	ADV
cblr-3007	37	13	to	to	PART
cblr-3007	37	14	understand	understand	VERB
cblr-3007	37	15	how	how	SCONJ
cblr-3007	37	16	the	the	DET
cblr-3007	37	17	closed	closed	ADJ
cblr-3007	37	18	,	,	PUNCT
cblr-3007	37	19	or	or	CCONJ
cblr-3007	37	20	integrated	integrate	VERB
cblr-3007	37	21	,	,	PUNCT
cblr-3007	37	22	systems	system	NOUN
cblr-3007	37	23	of	of	ADP
cblr-3007	37	24	american	american	PROPN
cblr-3007	37	25	express	express	PROPN
cblr-3007	37	26	and	and	CCONJ
cblr-3007	37	27	diners	diner	NOUN
cblr-3007	37	28	club	club	NOUN
cblr-3007	37	29	operate	operate	VERB
cblr-3007	37	30	.	.	PUNCT
cblr-3007	38	1	both	both	PRON
cblr-3007	38	2	of	of	ADP
cblr-3007	38	3	these	these	DET
cblr-3007	38	4	companies	company	NOUN
cblr-3007	38	5	operate	operate	VERB
cblr-3007	38	6	simpler	simple	ADJ
cblr-3007	38	7	three	three	NUM
cblr-3007	38	8	-	-	PUNCT
cblr-3007	38	9	party	party	NOUN
cblr-3007	38	10	,	,	PUNCT
cblr-3007	38	11	or	or	CCONJ
cblr-3007	38	12	standalone	standalone	NOUN
cblr-3007	38	13	,	,	PUNCT
cblr-3007	38	14	systems	system	NOUN
cblr-3007	38	15	involving	involve	VERB
cblr-3007	38	16	cardholders	cardholder	NOUN
cblr-3007	38	17	,	,	PUNCT
cblr-3007	38	18	card	card	NOUN
cblr-3007	38	19	companies	company	NOUN
cblr-3007	38	20	,	,	PUNCT
cblr-3007	38	21	and	and	CCONJ
cblr-3007	38	22	merchants	merchant	NOUN
cblr-3007	38	23	.	.	PUNCT
cblr-3007	39	1	in	in	ADP
cblr-3007	39	2	closed	closed	ADJ
cblr-3007	39	3	systems	system	NOUN
cblr-3007	39	4	,	,	PUNCT
cblr-3007	39	5	the	the	DET
cblr-3007	39	6	credit	credit	NOUN
cblr-3007	39	7	card	card	NOUN
cblr-3007	39	8	company	company	NOUN
cblr-3007	39	9	acts	act	VERB
cblr-3007	39	10	as	as	ADP
cblr-3007	39	11	the	the	DET
cblr-3007	39	12	sole	sole	ADJ
cblr-3007	39	13	intermediary	intermediary	NOUN
cblr-3007	39	14	between	between	ADP
cblr-3007	39	15	its	its	PRON
cblr-3007	39	16	cardholders	cardholder	NOUN
cblr-3007	39	17	and	and	CCONJ
cblr-3007	39	18	the	the	DET
cblr-3007	39	19	merchant	merchant	NOUN
cblr-3007	39	20	base	base	NOUN
cblr-3007	39	21	,	,	PUNCT
cblr-3007	39	22	and	and	CCONJ
cblr-3007	39	23	it	it	PRON
cblr-3007	39	24	profits	profit	VERB
cblr-3007	39	25	by	by	ADP
cblr-3007	39	26	retaining	retain	VERB
cblr-3007	39	27	some	some	DET
cblr-3007	39	28	portion	portion	NOUN
cblr-3007	39	29	of	of	ADP
cblr-3007	39	30	the	the	DET
cblr-3007	39	31	payment	payment	NOUN
cblr-3007	39	32	from	from	ADP
cblr-3007	39	33	the	the	DET
cblr-3007	39	34	cardholder	cardholder	NOUN
cblr-3007	39	35	to	to	ADP
cblr-3007	39	36	the	the	DET
cblr-3007	39	37	merchant	merchant	NOUN
cblr-3007	39	38	in	in	ADP
cblr-3007	39	39	exchange	exchange	NOUN
cblr-3007	39	40	for	for	ADP
cblr-3007	39	41	its	its	PRON
cblr-3007	39	42	services	service	NOUN
cblr-3007	39	43	.	.	PUNCT
cblr-3007	40	1	on	on	ADP
cblr-3007	40	2	the	the	DET
cblr-3007	40	3	other	other	ADJ
cblr-3007	40	4	hand	hand	NOUN
cblr-3007	40	5	,	,	PUNCT
cblr-3007	40	6	the	the	DET
cblr-3007	40	7	more	more	ADV
cblr-3007	40	8	complex	complex	ADJ
cblr-3007	40	9	four	four	NUM
cblr-3007	40	10	-	-	PUNCT
cblr-3007	40	11	party	party	NOUN
cblr-3007	40	12	systems	system	NOUN
cblr-3007	40	13	employed	employ	VERB
cblr-3007	40	14	by	by	ADP
cblr-3007	40	15	visa	visa	NOUN
cblr-3007	40	16	and	and	CCONJ
cblr-3007	40	17	mastercard	mastercard	PROPN
cblr-3007	40	18	operate	operate	VERB
cblr-3007	40	19	a	a	DET
cblr-3007	40	20	comprehensive	comprehensive	ADJ
cblr-3007	40	21	network	network	NOUN
cblr-3007	40	22	that	that	PRON
cblr-3007	40	23	consists	consist	VERB
cblr-3007	40	24	of	of	ADP
cblr-3007	40	25	a	a	DET
cblr-3007	40	26	large	large	ADJ
cblr-3007	40	27	number	number	NOUN
cblr-3007	40	28	of	of	ADP
cblr-3007	40	29	member	member	NOUN
cblr-3007	40	30	banks	bank	NOUN
cblr-3007	40	31	.	.	PUNCT
cblr-3007	41	1	therefore	therefore	ADV
cblr-3007	41	2	,	,	PUNCT
cblr-3007	41	3	these	these	DET
cblr-3007	41	4	systems	system	NOUN
cblr-3007	41	5	need	need	VERB
cblr-3007	41	6	to	to	PART
cblr-3007	41	7	employ	employ	VERB
cblr-3007	41	8	the	the	DET
cblr-3007	41	9	services	service	NOUN
cblr-3007	41	10	of	of	ADP
cblr-3007	41	11	two	two	NUM
cblr-3007	41	12	banks	bank	NOUN
cblr-3007	41	13	instead	instead	ADV
cblr-3007	41	14	of	of	ADP
cblr-3007	41	15	a	a	DET
cblr-3007	41	16	single	single	ADJ
cblr-3007	41	17	company	company	NOUN
cblr-3007	41	18	intermediary	intermediary	NOUN
cblr-3007	41	19	.	.	PUNCT
cblr-3007	42	1	the	the	DET
cblr-3007	42	2	four	four	NUM
cblr-3007	42	3	roles	role	NOUN
cblr-3007	42	4	in	in	ADP
cblr-3007	42	5	these	these	DET
cblr-3007	42	6	systems	system	NOUN
cblr-3007	42	7	line	line	NOUN
cblr-3007	42	8	up	up	ADP
cblr-3007	42	9	as	as	SCONJ
cblr-3007	42	10	follows	follow	VERB
cblr-3007	42	11	:	:	PUNCT
cblr-3007	42	12	the	the	DET
cblr-3007	42	13	cardholder	cardholder	NOUN
cblr-3007	42	14	receives	receive	VERB
cblr-3007	42	15	the	the	DET
cblr-3007	42	16	card	card	NOUN
cblr-3007	42	17	from	from	ADP
cblr-3007	42	18	the	the	DET
cblr-3007	42	19	issuing	issue	VERB
cblr-3007	42	20	bank	bank	NOUN
cblr-3007	42	21	,	,	PUNCT
cblr-3007	42	22	which	which	PRON
cblr-3007	42	23	transacts	transact	VERB
cblr-3007	42	24	with	with	ADP
cblr-3007	42	25	the	the	DET
cblr-3007	42	26	acquiring	acquire	VERB
cblr-3007	42	27	bank	bank	NOUN
cblr-3007	42	28	,	,	PUNCT
cblr-3007	42	29	which	which	PRON
cblr-3007	42	30	in	in	ADP
cblr-3007	42	31	turn	turn	NOUN
cblr-3007	42	32	has	have	VERB
cblr-3007	42	33	connections	connection	NOUN
cblr-3007	42	34	with	with	ADP
cblr-3007	42	35	the	the	DET
cblr-3007	42	36	merchant	merchant	NOUN
cblr-3007	42	37	,	,	PUNCT
cblr-3007	42	38	4	4	NUM
cblr-3007	42	39	for	for	ADP
cblr-3007	42	40	accounts	account	NOUN
cblr-3007	42	41	of	of	ADP
cblr-3007	42	42	these	these	DET
cblr-3007	42	43	systems	system	NOUN
cblr-3007	42	44	,	,	PUNCT
cblr-3007	42	45	see	see	VERB
cblr-3007	42	46	david	david	PROPN
cblr-3007	42	47	s.	s.	PROPN
cblr-3007	42	48	evans	evans	PROPN
cblr-3007	42	49	&	&	CCONJ
cblr-3007	42	50	richard	richard	PROPN
cblr-3007	42	51	schmalensee	schmalensee	PROPN
cblr-3007	42	52	,	,	PUNCT
cblr-3007	42	53	paying	pay	VERB
cblr-3007	42	54	with	with	ADP
cblr-3007	42	55	plastic	plastic	NOUN
cblr-3007	42	56	:	:	PUNCT
cblr-3007	42	57	the	the	DET
cblr-3007	42	58	digital	digital	ADJ
cblr-3007	42	59	revolution	revolution	NOUN
cblr-3007	42	60	in	in	ADP
cblr-3007	42	61	buying	buying	NOUN
cblr-3007	42	62	and	and	CCONJ
cblr-3007	42	63	borrowing	borrow	VERB
cblr-3007	42	64	1	1	NUM
cblr-3007	42	65	-	-	SYM
cblr-3007	42	66	21	21	NUM
cblr-3007	42	67	(	(	PUNCT
cblr-3007	42	68	2d	2d	NUM
cblr-3007	42	69	ed	ed	NOUN
cblr-3007	42	70	.	.	PROPN
cblr-3007	42	71	2005	2005	NUM
cblr-3007	42	72	)	)	PUNCT
cblr-3007	42	73	.	.	PUNCT
cblr-3007	43	1	no	no	INTJ
cblr-3007	43	2	.	.	PUNCT
cblr-3007	44	1	3:551	3:551	NUM
cblr-3007	44	2	]	]	X
cblr-3007	44	3	the	the	DET
cblr-3007	44	4	regulation	regulation	NOUN
cblr-3007	44	5	of	of	ADP
cblr-3007	44	6	interchange	interchange	NOUN
cblr-3007	44	7	fees	fee	NOUN
cblr-3007	44	8	whose	whose	DET
cblr-3007	44	9	customers	customer	NOUN
cblr-3007	44	10	pay	pay	VERB
cblr-3007	44	11	for	for	ADP
cblr-3007	44	12	their	their	PRON
cblr-3007	44	13	purchases	purchase	NOUN
cblr-3007	44	14	with	with	ADP
cblr-3007	44	15	either	either	CCONJ
cblr-3007	44	16	credit	credit	NOUN
cblr-3007	44	17	or	or	CCONJ
cblr-3007	44	18	debit	debit	NOUN
cblr-3007	44	19	cards	card	NOUN
cblr-3007	44	20	.	.	PUNCT
cblr-3007	45	1	visa	visa	NOUN
cblr-3007	45	2	and	and	CCONJ
cblr-3007	45	3	mastercard	mastercard	PROPN
cblr-3007	45	4	serve	serve	VERB
cblr-3007	45	5	as	as	ADP
cblr-3007	45	6	cooperative	cooperative	ADJ
cblr-3007	45	7	or	or	CCONJ
cblr-3007	45	8	coopetitive	coopetitive	ADJ
cblr-3007	45	9	arrangements	arrangement	NOUN
cblr-3007	45	10	of	of	ADP
cblr-3007	45	11	the	the	DET
cblr-3007	45	12	various	various	ADJ
cblr-3007	45	13	member	member	NOUN
cblr-3007	45	14	banks	bank	NOUN
cblr-3007	45	15	that	that	PRON
cblr-3007	45	16	perform	perform	VERB
cblr-3007	45	17	recordkeeping	recordkeeping	NOUN
cblr-3007	45	18	and	and	CCONJ
cblr-3007	45	19	orchestrate	orchestrate	VERB
cblr-3007	45	20	the	the	DET
cblr-3007	45	21	interactions	interaction	NOUN
cblr-3007	45	22	between	between	ADP
cblr-3007	45	23	the	the	DET
cblr-3007	45	24	issuing	issuing	NOUN
cblr-3007	45	25	and	and	CCONJ
cblr-3007	45	26	the	the	DET
cblr-3007	45	27	acquiring	acquire	VERB
cblr-3007	45	28	banks	bank	NOUN
cblr-3007	45	29	.	.	PUNCT
cblr-3007	46	1	using	use	VERB
cblr-3007	46	2	the	the	DET
cblr-3007	46	3	term	term	NOUN
cblr-3007	46	4	"	"	PUNCT
cblr-3007	46	5	coopetitive	coopetitive	ADJ
cblr-3007	46	6	"	"	PUNCT
cblr-3007	46	7	highlights	highlight	NOUN
cblr-3007	46	8	that	that	PRON
cblr-3007	46	9	each	each	DET
cblr-3007	46	10	system	system	NOUN
cblr-3007	46	11	's	's	PART
cblr-3007	46	12	member	member	NOUN
cblr-3007	46	13	banks	bank	NOUN
cblr-3007	46	14	must	must	AUX
cblr-3007	46	15	cooperate	cooperate	VERB
cblr-3007	46	16	in	in	ADP
cblr-3007	46	17	setting	set	VERB
cblr-3007	46	18	standards	standard	NOUN
cblr-3007	46	19	for	for	ADP
cblr-3007	46	20	credit	credit	NOUN
cblr-3007	46	21	and	and	CCONJ
cblr-3007	46	22	debit	debit	NOUN
cblr-3007	46	23	card	card	NOUN
cblr-3007	46	24	transactions	transaction	NOUN
cblr-3007	46	25	,	,	PUNCT
cblr-3007	46	26	even	even	ADV
cblr-3007	46	27	as	as	SCONJ
cblr-3007	46	28	they	they	PRON
cblr-3007	46	29	simultaneously	simultaneously	ADV
cblr-3007	46	30	compete	compete	VERB
cblr-3007	46	31	with	with	ADP
cblr-3007	46	32	each	each	DET
cblr-3007	46	33	other	other	ADJ
cblr-3007	46	34	to	to	PART
cblr-3007	46	35	sign	sign	VERB
cblr-3007	46	36	up	up	ADP
cblr-3007	46	37	consumers	consumer	NOUN
cblr-3007	46	38	and	and	CCONJ
cblr-3007	46	39	merchants	merchant	NOUN
cblr-3007	46	40	on	on	ADP
cblr-3007	46	41	either	either	DET
cblr-3007	46	42	end	end	NOUN
cblr-3007	46	43	of	of	ADP
cblr-3007	46	44	the	the	DET
cblr-3007	46	45	market.5	market.5	NOUN
cblr-3007	46	46	their	their	PRON
cblr-3007	46	47	"	"	PUNCT
cblr-3007	46	48	interchange	interchange	NOUN
cblr-3007	46	49	fees	fee	NOUN
cblr-3007	46	50	"	"	PUNCT
cblr-3007	46	51	refer	refer	VERB
cblr-3007	46	52	to	to	ADP
cblr-3007	46	53	the	the	DET
cblr-3007	46	54	amounts	amount	NOUN
cblr-3007	46	55	that	that	SCONJ
cblr-3007	46	56	issuing	issue	VERB
cblr-3007	46	57	banks	bank	NOUN
cblr-3007	46	58	collect	collect	VERB
cblr-3007	46	59	from	from	ADP
cblr-3007	46	60	acquiring	acquire	VERB
cblr-3007	46	61	banks	bank	NOUN
cblr-3007	46	62	for	for	ADP
cblr-3007	46	63	processing	process	VERB
cblr-3007	46	64	a	a	DET
cblr-3007	46	65	credit	credit	NOUN
cblr-3007	46	66	transaction	transaction	NOUN
cblr-3007	46	67	,	,	PUNCT
cblr-3007	46	68	which	which	PRON
cblr-3007	46	69	the	the	DET
cblr-3007	46	70	acquiring	acquire	VERB
cblr-3007	46	71	banks	bank	NOUN
cblr-3007	46	72	then	then	ADV
cblr-3007	46	73	pass	pass	VERB
cblr-3007	46	74	along	along	ADP
cblr-3007	46	75	to	to	ADP
cblr-3007	46	76	merchants	merchant	NOUN
cblr-3007	46	77	as	as	ADP
cblr-3007	46	78	additional	additional	ADJ
cblr-3007	46	79	service	service	NOUN
cblr-3007	46	80	charges	charge	NOUN
cblr-3007	46	81	.	.	PUNCT
cblr-3007	47	1	functionally	functionally	ADV
cblr-3007	47	2	,	,	PUNCT
cblr-3007	47	3	the	the	DET
cblr-3007	47	4	interchange	interchange	NOUN
cblr-3007	47	5	fee	fee	NOUN
cblr-3007	47	6	is	be	AUX
cblr-3007	47	7	usually	usually	ADV
cblr-3007	47	8	deducted	deduct	VERB
cblr-3007	47	9	from	from	ADP
cblr-3007	47	10	the	the	DET
cblr-3007	47	11	total	total	ADJ
cblr-3007	47	12	amount	amount	NOUN
cblr-3007	47	13	owed	owe	VERB
cblr-3007	47	14	from	from	ADP
cblr-3007	47	15	the	the	DET
cblr-3007	47	16	issuing	issue	VERB
cblr-3007	47	17	bank	bank	NOUN
cblr-3007	47	18	(	(	PUNCT
cblr-3007	47	19	for	for	ADP
cblr-3007	47	20	its	its	PRON
cblr-3007	47	21	customer	customer	NOUN
cblr-3007	47	22	)	)	PUNCT
cblr-3007	47	23	to	to	ADP
cblr-3007	47	24	the	the	DET
cblr-3007	47	25	acquiring	acquire	VERB
cblr-3007	47	26	bank	bank	NOUN
cblr-3007	47	27	(	(	PUNCT
cblr-3007	47	28	for	for	ADP
cblr-3007	47	29	its	its	PRON
cblr-3007	47	30	merchant	merchant	NOUN
cblr-3007	47	31	)	)	PUNCT
cblr-3007	47	32	for	for	ADP
cblr-3007	47	33	the	the	DET
cblr-3007	47	34	relevant	relevant	ADJ
cblr-3007	47	35	transaction	transaction	NOUN
cblr-3007	47	36	.	.	PUNCT
cblr-3007	48	1	before	before	SCONJ
cblr-3007	48	2	australia	australia	PROPN
cblr-3007	48	3	enacted	enact	VERB
cblr-3007	48	4	its	its	PRON
cblr-3007	48	5	regulatory	regulatory	ADJ
cblr-3007	48	6	scheme	scheme	NOUN
cblr-3007	48	7	,	,	PUNCT
cblr-3007	48	8	the	the	DET
cblr-3007	48	9	interchange	interchange	NOUN
cblr-3007	48	10	fee	fee	NOUN
cblr-3007	48	11	for	for	ADP
cblr-3007	48	12	open	open	ADJ
cblr-3007	48	13	credit	credit	NOUN
cblr-3007	48	14	card	card	NOUN
cblr-3007	48	15	systems	system	NOUN
cblr-3007	48	16	was	be	AUX
cblr-3007	48	17	set	set	VERB
cblr-3007	48	18	at	at	ADP
cblr-3007	48	19	0.95	0.95	NUM
cblr-3007	48	20	%	%	NOUN
cblr-3007	48	21	of	of	ADP
cblr-3007	48	22	the	the	DET
cblr-3007	48	23	value	value	NOUN
cblr-3007	48	24	of	of	ADP
cblr-3007	48	25	a	a	DET
cblr-3007	48	26	transaction	transaction	NOUN
cblr-3007	48	27	.	.	PUNCT
cblr-3007	49	1	the	the	DET
cblr-3007	49	2	rba	rba	NOUN
cblr-3007	49	3	's	's	PART
cblr-3007	49	4	first	first	ADJ
cblr-3007	49	5	initiative	initiative	NOUN
cblr-3007	49	6	reduced	reduce	VERB
cblr-3007	49	7	that	that	DET
cblr-3007	49	8	figure	figure	NOUN
cblr-3007	49	9	to	to	ADP
cblr-3007	49	10	0.55	0.55	NUM
cblr-3007	49	11	%	%	NOUN
cblr-3007	49	12	,	,	PUNCT
cblr-3007	49	13	a	a	DET
cblr-3007	49	14	decrease	decrease	NOUN
cblr-3007	49	15	of	of	ADP
cblr-3007	49	16	approximately	approximately	ADV
cblr-3007	49	17	43	43	NUM
cblr-3007	49	18	%	%	NOUN
cblr-3007	49	19	relative	relative	ADJ
cblr-3007	49	20	to	to	ADP
cblr-3007	49	21	the	the	DET
cblr-3007	49	22	original	original	ADJ
cblr-3007	49	23	charge	charge	NOUN
cblr-3007	49	24	.	.	PUNCT
cblr-3007	50	1	the	the	DET
cblr-3007	50	2	rba	rba	NOUN
cblr-3007	50	3	's	's	PART
cblr-3007	50	4	second	second	ADJ
cblr-3007	50	5	initiative	initiative	NOUN
cblr-3007	50	6	,	,	PUNCT
cblr-3007	50	7	dealing	deal	VERB
cblr-3007	50	8	with	with	ADP
cblr-3007	50	9	price	price	NOUN
cblr-3007	50	10	cuts	cut	NOUN
cblr-3007	50	11	for	for	ADP
cblr-3007	50	12	non	non	ADJ
cblr-3007	50	13	-	-	ADJ
cblr-3007	50	14	credit	credit	ADJ
cblr-3007	50	15	card	card	NOUN
cblr-3007	50	16	users	user	NOUN
cblr-3007	50	17	,	,	PUNCT
cblr-3007	50	18	is	be	AUX
cblr-3007	50	19	of	of	ADP
cblr-3007	50	20	lesser	less	ADJ
cblr-3007	50	21	import	import	NOUN
cblr-3007	50	22	than	than	ADP
cblr-3007	50	23	the	the	DET
cblr-3007	50	24	first	first	ADJ
cblr-3007	50	25	.	.	PUNCT
cblr-3007	51	1	typically	typically	ADV
cblr-3007	51	2	,	,	PUNCT
cblr-3007	51	3	contract	contract	NOUN
cblr-3007	51	4	terms	term	NOUN
cblr-3007	51	5	in	in	ADP
cblr-3007	51	6	open	open	ADJ
cblr-3007	51	7	credit	credit	NOUN
cblr-3007	51	8	card	card	NOUN
cblr-3007	51	9	systems	system	NOUN
cblr-3007	51	10	prohibit	prohibit	VERB
cblr-3007	51	11	the	the	DET
cblr-3007	51	12	merchant	merchant	NOUN
cblr-3007	51	13	from	from	ADP
cblr-3007	51	14	offering	offer	VERB
cblr-3007	51	15	any	any	DET
cblr-3007	51	16	discounts	discount	NOUN
cblr-3007	51	17	to	to	ADP
cblr-3007	51	18	those	those	DET
cblr-3007	51	19	customers	customer	NOUN
cblr-3007	51	20	who	who	PRON
cblr-3007	51	21	prefer	prefer	VERB
cblr-3007	51	22	to	to	PART
cblr-3007	51	23	pay	pay	VERB
cblr-3007	51	24	by	by	ADP
cblr-3007	51	25	check	check	NOUN
cblr-3007	51	26	,	,	PUNCT
cblr-3007	51	27	cash	cash	NOUN
cblr-3007	51	28	,	,	PUNCT
cblr-3007	51	29	or	or	CCONJ
cblr-3007	51	30	debit	debit	NOUN
cblr-3007	51	31	card	card	NOUN
cblr-3007	51	32	.	.	PUNCT
cblr-3007	52	1	in	in	ADP
cblr-3007	52	2	effect	effect	NOUN
cblr-3007	52	3	,	,	PUNCT
cblr-3007	52	4	these	these	DET
cblr-3007	52	5	terms	term	NOUN
cblr-3007	52	6	prevent	prevent	VERB
cblr-3007	52	7	merchants	merchant	NOUN
cblr-3007	52	8	from	from	ADP
cblr-3007	52	9	inducing	induce	VERB
cblr-3007	52	10	customers	customer	NOUN
cblr-3007	52	11	to	to	PART
cblr-3007	52	12	favor	favor	VERB
cblr-3007	52	13	one	one	NUM
cblr-3007	52	14	of	of	ADP
cblr-3007	52	15	these	these	DET
cblr-3007	52	16	three	three	NUM
cblr-3007	52	17	modes	mode	NOUN
cblr-3007	52	18	of	of	ADP
cblr-3007	52	19	payment	payment	NOUN
cblr-3007	52	20	,	,	PUNCT
cblr-3007	52	21	each	each	PRON
cblr-3007	52	22	of	of	ADP
cblr-3007	52	23	which	which	PRON
cblr-3007	52	24	the	the	DET
cblr-3007	52	25	rba	rba	NOUN
cblr-3007	52	26	found	find	VERB
cblr-3007	52	27	to	to	PART
cblr-3007	52	28	be	be	AUX
cblr-3007	52	29	cheaper	cheap	ADJ
cblr-3007	52	30	in	in	ADP
cblr-3007	52	31	total	total	ADJ
cblr-3007	52	32	cost	cost	NOUN
cblr-3007	52	33	than	than	ADP
cblr-3007	52	34	credit	credit	NOUN
cblr-3007	52	35	transactions	transaction	NOUN
cblr-3007	52	36	.	.	PUNCT
cblr-3007	53	1	ultimately	ultimately	ADV
cblr-3007	53	2	,	,	PUNCT
cblr-3007	53	3	these	these	DET
cblr-3007	53	4	regulatory	regulatory	ADJ
cblr-3007	53	5	interventions	intervention	NOUN
cblr-3007	53	6	are	be	AUX
cblr-3007	53	7	intended	intend	VERB
cblr-3007	53	8	to	to	PART
cblr-3007	53	9	address	address	VERB
cblr-3007	53	10	what	what	PRON
cblr-3007	53	11	the	the	DET
cblr-3007	53	12	rba	rba	NOUN
cblr-3007	53	13	claims	claim	NOUN
cblr-3007	53	14	are	be	AUX
cblr-3007	53	15	efficiency	efficiency	NOUN
cblr-3007	53	16	and	and	CCONJ
cblr-3007	53	17	distributional	distributional	ADJ
cblr-3007	53	18	concerns	concern	NOUN
cblr-3007	53	19	,	,	PUNCT
cblr-3007	53	20	thereby	thereby	ADV
cblr-3007	53	21	reducing	reduce	VERB
cblr-3007	53	22	the	the	DET
cblr-3007	53	23	implicit	implicit	ADJ
cblr-3007	53	24	subsidies	subsidy	NOUN
cblr-3007	53	25	that	that	SCONJ
cblr-3007	53	26	cash	cash	NOUN
cblr-3007	53	27	,	,	PUNCT
cblr-3007	53	28	check	check	NOUN
cblr-3007	53	29	,	,	PUNCT
cblr-3007	53	30	and	and	CCONJ
cblr-3007	53	31	debit	debit	NOUN
cblr-3007	53	32	card	card	NOUN
cblr-3007	53	33	users	user	NOUN
cblr-3007	53	34	pay	pay	VERB
cblr-3007	53	35	for	for	ADP
cblr-3007	53	36	credit	credit	NOUN
cblr-3007	53	37	card	card	NOUN
cblr-3007	53	38	users	user	NOUN
cblr-3007	53	39	.	.	PUNCT
cblr-3007	54	1	the	the	DET
cblr-3007	54	2	rba	rba	NOUN
cblr-3007	54	3	's	's	PART
cblr-3007	54	4	program	program	NOUN
cblr-3007	54	5	is	be	AUX
cblr-3007	54	6	explicitly	explicitly	ADV
cblr-3007	54	7	designed	design	VERB
cblr-3007	54	8	to	to	PART
cblr-3007	54	9	improve	improve	VERB
cblr-3007	54	10	the	the	DET
cblr-3007	54	11	position	position	NOUN
cblr-3007	54	12	of	of	ADP
cblr-3007	54	13	merchants	merchant	NOUN
cblr-3007	54	14	(	(	PUNCT
cblr-3007	54	15	and	and	CCONJ
cblr-3007	54	16	their	their	PRON
cblr-3007	54	17	broad	broad	ADJ
cblr-3007	54	18	5	5	NUM
cblr-3007	54	19	i	i	PRON
cblr-3007	54	20	d.	d.	NOUN
cblr-3007	54	21	at	at	ADP
cblr-3007	54	22	161	161	NUM
cblr-3007	54	23	-	-	SYM
cblr-3007	54	24	84	84	NUM
cblr-3007	54	25	.	.	PUNCT
cblr-3007	55	1	col	col	PROPN
cblr-3007	55	2	umbia	umbia	PROPN
cblr-3007	55	3	b	b	PROPN
cblr-3007	55	4	usiness	usiness	PROPN
cblr-3007	55	5	la	la	PROPN
cblr-3007	55	6	w	w	PROPN
cblr-3007	55	7	re	re	PROPN
cblr-3007	55	8	vie	vie	PROPN
cblr-3007	55	9	w	w	PROPN
cblr-3007	56	1	[	[	X
cblr-3007	56	2	vol	vol	NOUN
cblr-3007	56	3	.	.	PUNCT
cblr-3007	56	4	2005	2005	NUM
cblr-3007	56	5	the	the	DET
cblr-3007	56	6	regulation	regulation	NOUN
cblr-3007	56	7	of	of	ADP
cblr-3007	56	8	interchange	interchange	NOUN
cblr-3007	56	9	fees	fee	NOUN
cblr-3007	56	10	customer	customer	NOUN
cblr-3007	56	11	base	base	NOUN
cblr-3007	56	12	)	)	PUNCT
cblr-3007	56	13	and	and	CCONJ
cblr-3007	56	14	acquiring	acquire	VERB
cblr-3007	56	15	banks	bank	NOUN
cblr-3007	56	16	relative	relative	ADJ
cblr-3007	56	17	to	to	ADP
cblr-3007	56	18	that	that	PRON
cblr-3007	56	19	of	of	ADP
cblr-3007	56	20	issuing	issue	VERB
cblr-3007	56	21	banks	bank	NOUN
cblr-3007	56	22	and	and	CCONJ
cblr-3007	56	23	their	their	PRON
cblr-3007	56	24	cardholders	cardholder	NOUN
cblr-3007	56	25	(	(	PUNCT
cblr-3007	56	26	which	which	PRON
cblr-3007	56	27	are	be	AUX
cblr-3007	56	28	only	only	ADV
cblr-3007	56	29	a	a	DET
cblr-3007	56	30	subset	subset	NOUN
cblr-3007	56	31	of	of	ADP
cblr-3007	56	32	all	all	DET
cblr-3007	56	33	customers	customer	NOUN
cblr-3007	56	34	)	)	PUNCT
cblr-3007	56	35	.	.	PUNCT
cblr-3007	57	1	this	this	DET
cblr-3007	57	2	article	article	NOUN
cblr-3007	57	3	shall	shall	AUX
cblr-3007	57	4	examine	examine	VERB
cblr-3007	57	5	whether	whether	SCONJ
cblr-3007	57	6	implementing	implement	VERB
cblr-3007	57	7	these	these	DET
cblr-3007	57	8	reforms	reform	NOUN
cblr-3007	57	9	has	have	AUX
cblr-3007	57	10	allowed	allow	VERB
cblr-3007	57	11	the	the	DET
cblr-3007	57	12	rba	rba	NOUN
cblr-3007	57	13	to	to	PART
cblr-3007	57	14	make	make	VERB
cblr-3007	57	15	good	good	ADJ
cblr-3007	57	16	on	on	ADP
cblr-3007	57	17	its	its	PRON
cblr-3007	57	18	objectives	objective	NOUN
cblr-3007	57	19	.	.	PUNCT
cblr-3007	58	1	in	in	ADP
cblr-3007	58	2	evaluating	evaluate	VERB
cblr-3007	58	3	the	the	DET
cblr-3007	58	4	outcome	outcome	NOUN
cblr-3007	58	5	,	,	PUNCT
cblr-3007	58	6	i	i	PRON
cblr-3007	58	7	do	do	AUX
cblr-3007	58	8	not	not	PART
cblr-3007	58	9	wish	wish	VERB
cblr-3007	58	10	to	to	PART
cblr-3007	58	11	reexamine	reexamine	VERB
cblr-3007	58	12	the	the	DET
cblr-3007	58	13	detailed	detailed	ADJ
cblr-3007	58	14	empirical	empirical	ADJ
cblr-3007	58	15	issues	issue	NOUN
cblr-3007	58	16	raised	raise	VERB
cblr-3007	58	17	by	by	ADP
cblr-3007	58	18	the	the	DET
cblr-3007	58	19	rba	rba	NOUN
cblr-3007	58	20	's	's	PART
cblr-3007	58	21	initiatives	initiative	NOUN
cblr-3007	58	22	.	.	PUNCT
cblr-3007	59	1	for	for	ADP
cblr-3007	59	2	these	these	DET
cblr-3007	59	3	purposes	purpose	NOUN
cblr-3007	59	4	,	,	PUNCT
cblr-3007	59	5	i	i	PRON
cblr-3007	59	6	am	be	AUX
cblr-3007	59	7	quite	quite	ADV
cblr-3007	59	8	content	content	ADJ
cblr-3007	59	9	to	to	PART
cblr-3007	59	10	rely	rely	VERB
cblr-3007	59	11	on	on	ADP
cblr-3007	59	12	three	three	NUM
cblr-3007	59	13	main	main	ADJ
cblr-3007	59	14	sources	source	NOUN
cblr-3007	59	15	.	.	PUNCT
cblr-3007	60	1	the	the	DET
cblr-3007	60	2	first	first	ADJ
cblr-3007	60	3	is	be	AUX
cblr-3007	60	4	the	the	DET
cblr-3007	60	5	empirical	empirical	ADJ
cblr-3007	60	6	evidence	evidence	NOUN
cblr-3007	60	7	assembled	assemble	VERB
cblr-3007	60	8	by	by	ADP
cblr-3007	60	9	howard	howard	PROPN
cblr-3007	60	10	h.	h.	PROPN
cblr-3007	60	11	chang	chang	PROPN
cblr-3007	60	12	,	,	PUNCT
cblr-3007	60	13	daniel	daniel	PROPN
cblr-3007	60	14	s.	s.	PROPN
cblr-3007	60	15	evans	evans	PROPN
cblr-3007	60	16	,	,	PUNCT
cblr-3007	60	17	and	and	CCONJ
cblr-3007	60	18	daniel	daniel	PROPN
cblr-3007	60	19	d.	d.	PROPN
cblr-3007	60	20	garcia	garcia	PROPN
cblr-3007	60	21	-	-	PUNCT
cblr-3007	61	1	swartz.6	swartz.6	PRON
cblr-3007	61	2	the	the	DET
cblr-3007	61	3	second	second	NOUN
cblr-3007	61	4	is	be	AUX
cblr-3007	61	5	testimony	testimony	NOUN
cblr-3007	61	6	offered	offer	VERB
cblr-3007	61	7	by	by	ADP
cblr-3007	61	8	ian	ian	PROPN
cblr-3007	61	9	macfarlane	macfarlane	PROPN
cblr-3007	61	10	,	,	PUNCT
cblr-3007	61	11	governor	governor	NOUN
cblr-3007	61	12	of	of	ADP
cblr-3007	61	13	the	the	DET
cblr-3007	61	14	rba	rba	NOUN
cblr-3007	61	15	,	,	PUNCT
cblr-3007	61	16	in	in	ADP
cblr-3007	61	17	defense	defense	NOUN
cblr-3007	61	18	of	of	ADP
cblr-3007	61	19	the	the	DET
cblr-3007	61	20	rba	rba	NOUN
cblr-3007	61	21	's	's	PART
cblr-3007	61	22	2001	2001	NUM
cblr-3007	61	23	initiatives.7	initiatives.7	VERB
cblr-3007	61	24	the	the	DET
cblr-3007	61	25	final	final	ADJ
cblr-3007	61	26	source	source	NOUN
cblr-3007	61	27	consists	consist	VERB
cblr-3007	61	28	of	of	ADP
cblr-3007	61	29	the	the	DET
cblr-3007	61	30	various	various	ADJ
cblr-3007	61	31	submissions	submission	NOUN
cblr-3007	61	32	made	make	VERB
cblr-3007	61	33	to	to	ADP
cblr-3007	61	34	the	the	DET
cblr-3007	61	35	rba	rba	NOUN
cblr-3007	61	36	on	on	ADP
cblr-3007	61	37	these	these	DET
cblr-3007	61	38	matters.8	matters.8	PROPN
cblr-3007	61	39	that	that	DET
cblr-3007	61	40	evidence	evidence	NOUN
cblr-3007	61	41	provides	provide	VERB
cblr-3007	61	42	a	a	DET
cblr-3007	61	43	useful	useful	ADJ
cblr-3007	61	44	framework	framework	NOUN
cblr-3007	61	45	with	with	ADP
cblr-3007	61	46	which	which	PRON
cblr-3007	61	47	to	to	PART
cblr-3007	61	48	reexamine	reexamine	VERB
cblr-3007	61	49	the	the	DET
cblr-3007	61	50	conceptual	conceptual	ADJ
cblr-3007	61	51	arguments	argument	NOUN
cblr-3007	61	52	that	that	PRON
cblr-3007	61	53	led	lead	VERB
cblr-3007	61	54	the	the	DET
cblr-3007	61	55	rba	rba	NOUN
cblr-3007	61	56	to	to	PART
cblr-3007	61	57	adopt	adopt	VERB
cblr-3007	61	58	these	these	DET
cblr-3007	61	59	proposals	proposal	NOUN
cblr-3007	61	60	in	in	ADP
cblr-3007	61	61	2001	2001	NUM
cblr-3007	61	62	,	,	PUNCT
cblr-3007	61	63	in	in	ADP
cblr-3007	61	64	light	light	NOUN
cblr-3007	61	65	of	of	ADP
cblr-3007	61	66	their	their	PRON
cblr-3007	61	67	impact	impact	NOUN
cblr-3007	61	68	over	over	ADP
cblr-3007	61	69	the	the	DET
cblr-3007	61	70	two	two	NUM
cblr-3007	61	71	years	year	NOUN
cblr-3007	61	72	.	.	PUNCT
cblr-3007	62	1	accordingly	accordingly	ADV
cblr-3007	62	2	,	,	PUNCT
cblr-3007	62	3	the	the	DET
cblr-3007	62	4	remainder	remainder	NOUN
cblr-3007	62	5	of	of	ADP
cblr-3007	62	6	this	this	DET
cblr-3007	62	7	paper	paper	NOUN
cblr-3007	62	8	is	be	AUX
cblr-3007	62	9	divided	divide	VERB
cblr-3007	62	10	into	into	ADP
cblr-3007	62	11	seven	seven	NUM
cblr-3007	62	12	parts	part	NOUN
cblr-3007	62	13	.	.	PUNCT
cblr-3007	63	1	part	part	PROPN
cblr-3007	63	2	ii	ii	PROPN
cblr-3007	63	3	sets	set	VERB
cblr-3007	63	4	out	out	ADP
cblr-3007	63	5	the	the	DET
cblr-3007	63	6	basic	basic	ADJ
cblr-3007	63	7	intellectual	intellectual	ADJ
cblr-3007	63	8	framework	framework	NOUN
cblr-3007	63	9	for	for	ADP
cblr-3007	63	10	examining	examine	VERB
cblr-3007	63	11	the	the	DET
cblr-3007	63	12	rba	rba	NOUN
cblr-3007	63	13	's	's	PART
cblr-3007	63	14	arguments	argument	NOUN
cblr-3007	63	15	in	in	ADP
cblr-3007	63	16	defense	defense	NOUN
cblr-3007	63	17	of	of	ADP
cblr-3007	63	18	its	its	PRON
cblr-3007	63	19	reforms	reform	NOUN
cblr-3007	63	20	.	.	PUNCT
cblr-3007	64	1	part	part	PROPN
cblr-3007	64	2	iii	iii	PROPN
cblr-3007	64	3	applies	apply	VERB
cblr-3007	64	4	this	this	DET
cblr-3007	64	5	framework	framework	NOUN
cblr-3007	64	6	to	to	ADP
cblr-3007	64	7	the	the	DET
cblr-3007	64	8	arguments	argument	NOUN
cblr-3007	64	9	that	that	SCONJ
cblr-3007	64	10	the	the	DET
cblr-3007	64	11	rba	rba	NOUN
cblr-3007	64	12	made	make	VERB
cblr-3007	64	13	in	in	ADP
cblr-3007	64	14	support	support	NOUN
cblr-3007	64	15	of	of	ADP
cblr-3007	64	16	capping	cap	VERB
cblr-3007	64	17	interchange	interchange	NOUN
cblr-3007	64	18	fees	fee	NOUN
cblr-3007	64	19	.	.	PUNCT
cblr-3007	65	1	part	part	NOUN
cblr-3007	65	2	iv	iv	NUM
cblr-3007	65	3	examines	examine	VERB
cblr-3007	65	4	the	the	DET
cblr-3007	65	5	rba	rba	NOUN
cblr-3007	65	6	's	's	PART
cblr-3007	65	7	prohibition	prohibition	NOUN
cblr-3007	65	8	on	on	ADP
cblr-3007	65	9	credit	credit	NOUN
cblr-3007	65	10	card	card	NOUN
cblr-3007	65	11	surcharges	surcharge	NOUN
cblr-3007	65	12	.	.	PUNCT
cblr-3007	66	1	part	part	NOUN
cblr-3007	66	2	v	v	NOUN
cblr-3007	66	3	examines	examine	VERB
cblr-3007	66	4	the	the	DET
cblr-3007	66	5	use	use	NOUN
cblr-3007	66	6	and	and	CCONJ
cblr-3007	66	7	limits	limit	NOUN
cblr-3007	66	8	of	of	ADP
cblr-3007	66	9	credit	credit	NOUN
cblr-3007	66	10	card	card	NOUN
cblr-3007	66	11	regulation	regulation	NOUN
cblr-3007	66	12	.	.	PUNCT
cblr-3007	67	1	part	part	NOUN
cblr-3007	67	2	vi	vi	PROPN
cblr-3007	67	3	offers	offer	VERB
cblr-3007	67	4	preliminary	preliminary	ADJ
cblr-3007	67	5	remarks	remark	NOUN
cblr-3007	67	6	on	on	ADP
cblr-3007	67	7	the	the	DET
cblr-3007	67	8	relative	relative	ADJ
cblr-3007	67	9	merits	merit	NOUN
cblr-3007	67	10	of	of	ADP
cblr-3007	67	11	regulation	regulation	NOUN
cblr-3007	67	12	and	and	CCONJ
cblr-3007	67	13	antitrust	antitrust	ADJ
cblr-3007	67	14	litigation	litigation	NOUN
cblr-3007	67	15	for	for	ADP
cblr-3007	67	16	controlling	control	VERB
cblr-3007	67	17	the	the	DET
cblr-3007	67	18	use	use	NOUN
cblr-3007	67	19	of	of	ADP
cblr-3007	67	20	credit	credit	NOUN
cblr-3007	67	21	cards	card	NOUN
cblr-3007	67	22	,	,	PUNCT
cblr-3007	67	23	should	should	AUX
cblr-3007	67	24	such	such	ADJ
cblr-3007	67	25	controls	control	NOUN
cblr-3007	67	26	be	be	AUX
cblr-3007	67	27	necessary	necessary	ADJ
cblr-3007	67	28	.	.	PUNCT
cblr-3007	68	1	finally	finally	ADV
cblr-3007	68	2	,	,	PUNCT
cblr-3007	68	3	part	part	NOUN
cblr-3007	68	4	vii	vii	PROPN
cblr-3007	68	5	offers	offer	VERB
cblr-3007	68	6	a	a	DET
cblr-3007	68	7	brief	brief	ADJ
cblr-3007	68	8	conclusion	conclusion	NOUN
cblr-3007	68	9	.	.	PUNCT
cblr-3007	69	1	6	6	NUM
cblr-3007	69	2	see	see	VERB
cblr-3007	69	3	generally	generally	ADV
cblr-3007	69	4	chang	chang	PROPN
cblr-3007	69	5	,	,	PUNCT
cblr-3007	69	6	australian	australian	ADJ
cblr-3007	69	7	interchange	interchange	NOUN
cblr-3007	69	8	,	,	PUNCT
cblr-3007	69	9	supra	supra	PROPN
cblr-3007	69	10	note	note	NOUN
cblr-3007	69	11	2	2	NUM
cblr-3007	69	12	.	.	X
cblr-3007	69	13	review	review	NOUN
cblr-3007	69	14	of	of	ADP
cblr-3007	69	15	the	the	DET
cblr-3007	69	16	reserve	reserve	PROPN
cblr-3007	69	17	bank	bank	PROPN
cblr-3007	69	18	of	of	ADP
cblr-3007	69	19	australia	australia	PROPN
cblr-3007	69	20	's	's	PART
cblr-3007	69	21	annual	annual	ADJ
cblr-3007	69	22	report	report	NOUN
cblr-3007	69	23	1997	1997	NUM
cblr-3007	69	24	-	-	SYM
cblr-3007	69	25	98	98	NUM
cblr-3007	69	26	:	:	PUNCT
cblr-3007	69	27	hearing	hear	VERB
cblr-3007	69	28	before	before	ADP
cblr-3007	69	29	the	the	DET
cblr-3007	69	30	house	house	PROPN
cblr-3007	69	31	of	of	ADP
cblr-3007	69	32	representatives	representatives	PROPN
cblr-3007	69	33	standing	standing	PROPN
cblr-3007	69	34	committee	committee	PROPN
cblr-3007	69	35	on	on	ADP
cblr-3007	69	36	economics	economic	NOUN
cblr-3007	69	37	,	,	PUNCT
cblr-3007	69	38	finance	finance	NOUN
cblr-3007	69	39	and	and	CCONJ
cblr-3007	69	40	public	public	ADJ
cblr-3007	69	41	administration	administration	NOUN
cblr-3007	69	42	(	(	PUNCT
cblr-3007	69	43	2005	2005	NUM
cblr-3007	69	44	)	)	PUNCT
cblr-3007	69	45	(	(	PUNCT
cblr-3007	69	46	statement	statement	NOUN
cblr-3007	69	47	of	of	ADP
cblr-3007	69	48	ian	ian	PROPN
cblr-3007	69	49	macfarlane	macfarlane	PROPN
cblr-3007	69	50	)	)	PUNCT
cblr-3007	69	51	,	,	PUNCT
cblr-3007	69	52	available	available	ADJ
cblr-3007	69	53	at	at	ADP
cblr-3007	69	54	http://www.aph.gov.au/hansard/reps/	http://www.aph.gov.au/hansard/reps/	PROPN
cblr-3007	69	55	commttee	commttee	NOUN
cblr-3007	69	56	/	/	SYM
cblr-3007	69	57	r2365.pdf	r2365.pdf	NOUN
cblr-3007	69	58	[	[	X
cblr-3007	69	59	hereinafter	hereinafter	NOUN
cblr-3007	69	60	macfarlane	macfarlane	NOUN
cblr-3007	69	61	testimony	testimony	NOUN
cblr-3007	69	62	]	]	PUNCT
cblr-3007	69	63	.	.	PUNCT
cblr-3007	69	64	'	'	PUNCT
cblr-3007	70	1	see	see	AUX
cblr-3007	70	2	generally	generally	ADV
cblr-3007	70	3	reserve	reserve	VERB
cblr-3007	70	4	bank	bank	PROPN
cblr-3007	70	5	of	of	ADP
cblr-3007	70	6	australia	australia	PROPN
cblr-3007	70	7	,	,	PUNCT
cblr-3007	70	8	http://www.rba.gov.au/	http://www.rba.gov.au/	ADJ
cblr-3007	70	9	paymentssystem	paymentssystem	NOUN
cblr-3007	70	10	/	/	SYM
cblr-3007	70	11	reforms	reform	NOUN
cblr-3007	70	12	/	/	SYM
cblr-3007	70	13	ccschemes	ccscheme	NOUN
cblr-3007	70	14	/	/	SYM
cblr-3007	70	15	index.html	index.html	NOUN
cblr-3007	70	16	(	(	PUNCT
cblr-3007	70	17	last	last	ADV
cblr-3007	70	18	visited	visit	VERB
cblr-3007	70	19	november	november	PROPN
cblr-3007	70	20	1	1	NUM
cblr-3007	70	21	,	,	PUNCT
cblr-3007	70	22	2005	2005	NUM
cblr-3007	70	23	)	)	PUNCT
cblr-3007	70	24	.	.	PUNCT
cblr-3007	71	1	no	no	INTJ
cblr-3007	71	2	.	.	PUNCT
cblr-3007	72	1	3:55	3:55	NUM
cblr-3007	72	2	11	11	NUM
cblr-3007	72	3	ii	ii	NOUN
cblr-3007	72	4	.	.	PUNCT
cblr-3007	72	5	methodology	methodology	NOUN
cblr-3007	72	6	and	and	CCONJ
cblr-3007	72	7	conclusion	conclusion	VERB
cblr-3007	72	8	my	my	PRON
cblr-3007	72	9	basic	basic	ADJ
cblr-3007	72	10	thesis	thesis	NOUN
cblr-3007	72	11	runs	run	VERB
cblr-3007	72	12	as	as	SCONJ
cblr-3007	72	13	follows	follow	VERB
cblr-3007	72	14	:	:	PUNCT
cblr-3007	72	15	the	the	DET
cblr-3007	72	16	rba	rba	NOUN
cblr-3007	72	17	reforms	reform	NOUN
cblr-3007	72	18	have	have	AUX
cblr-3007	72	19	not	not	PART
cblr-3007	72	20	delivered	deliver	VERB
cblr-3007	72	21	their	their	PRON
cblr-3007	72	22	promised	promise	VERB
cblr-3007	72	23	benefits	benefit	NOUN
cblr-3007	72	24	because	because	SCONJ
cblr-3007	72	25	they	they	PRON
cblr-3007	72	26	are	be	AUX
cblr-3007	72	27	incapable	incapable	ADJ
cblr-3007	72	28	of	of	ADP
cblr-3007	72	29	doing	do	VERB
cblr-3007	72	30	so	so	ADV
cblr-3007	72	31	.	.	PUNCT
cblr-3007	73	1	this	this	DET
cblr-3007	73	2	conclusion	conclusion	NOUN
cblr-3007	73	3	depends	depend	VERB
cblr-3007	73	4	as	as	ADV
cblr-3007	73	5	much	much	ADJ
cblr-3007	73	6	on	on	ADP
cblr-3007	73	7	the	the	DET
cblr-3007	73	8	underlying	underlying	ADJ
cblr-3007	73	9	intellectual	intellectual	ADJ
cblr-3007	73	10	framework	framework	NOUN
cblr-3007	73	11	as	as	ADP
cblr-3007	73	12	on	on	ADP
cblr-3007	73	13	the	the	DET
cblr-3007	73	14	particulars	particular	NOUN
cblr-3007	73	15	of	of	ADP
cblr-3007	73	16	the	the	DET
cblr-3007	73	17	reform	reform	NOUN
cblr-3007	73	18	effort	effort	NOUN
cblr-3007	73	19	.	.	PUNCT
cblr-3007	74	1	quite	quite	ADV
cblr-3007	74	2	simply	simply	ADV
cblr-3007	74	3	,	,	PUNCT
cblr-3007	74	4	payment	payment	NOUN
cblr-3007	74	5	systems	system	NOUN
cblr-3007	74	6	can	can	AUX
cblr-3007	74	7	never	never	ADV
cblr-3007	74	8	achieve	achieve	VERB
cblr-3007	74	9	the	the	DET
cblr-3007	74	10	results	result	NOUN
cblr-3007	74	11	attainable	attainable	ADJ
cblr-3007	74	12	in	in	ADP
cblr-3007	74	13	perfectly	perfectly	ADV
cblr-3007	74	14	competitive	competitive	ADJ
cblr-3007	74	15	markets	market	NOUN
cblr-3007	74	16	,	,	PUNCT
cblr-3007	74	17	so	so	SCONJ
cblr-3007	74	18	the	the	DET
cblr-3007	74	19	best	good	ADJ
cblr-3007	74	20	option	option	NOUN
cblr-3007	74	21	under	under	ADP
cblr-3007	74	22	the	the	DET
cblr-3007	74	23	circumstances	circumstance	NOUN
cblr-3007	74	24	is	be	AUX
cblr-3007	74	25	the	the	DET
cblr-3007	74	26	one	one	NOUN
cblr-3007	74	27	that	that	PRON
cblr-3007	74	28	best	good	ADJ
cblr-3007	74	29	minimizes	minimize	VERB
cblr-3007	74	30	social	social	ADJ
cblr-3007	74	31	losses	loss	NOUN
cblr-3007	74	32	.	.	PUNCT
cblr-3007	75	1	in	in	ADP
cblr-3007	75	2	light	light	NOUN
cblr-3007	75	3	of	of	ADP
cblr-3007	75	4	this	this	DET
cblr-3007	75	5	caveat	caveat	NOUN
cblr-3007	75	6	,	,	PUNCT
cblr-3007	75	7	any	any	DET
cblr-3007	75	8	evaluation	evaluation	NOUN
cblr-3007	75	9	of	of	ADP
cblr-3007	75	10	the	the	DET
cblr-3007	75	11	rba	rba	NOUN
cblr-3007	75	12	's	's	PART
cblr-3007	75	13	reforms	reform	NOUN
cblr-3007	75	14	must	must	AUX
cblr-3007	75	15	be	be	AUX
cblr-3007	75	16	nuanced	nuance	VERB
cblr-3007	75	17	enough	enough	ADV
cblr-3007	75	18	to	to	PART
cblr-3007	75	19	ask	ask	VERB
cblr-3007	75	20	this	this	DET
cblr-3007	75	21	question	question	NOUN
cblr-3007	75	22	:	:	PUNCT
cblr-3007	75	23	are	be	AUX
cblr-3007	75	24	the	the	DET
cblr-3007	75	25	benefits	benefit	NOUN
cblr-3007	75	26	that	that	PRON
cblr-3007	75	27	result	result	VERB
cblr-3007	75	28	from	from	ADP
cblr-3007	75	29	the	the	DET
cblr-3007	75	30	regulations	regulation	NOUN
cblr-3007	75	31	large	large	ADJ
cblr-3007	75	32	enough	enough	ADV
cblr-3007	75	33	to	to	PART
cblr-3007	75	34	overcome	overcome	VERB
cblr-3007	75	35	the	the	DET
cblr-3007	75	36	obstacles	obstacle	NOUN
cblr-3007	75	37	to	to	ADP
cblr-3007	75	38	,	,	PUNCT
cblr-3007	75	39	and	and	CCONJ
cblr-3007	75	40	costs	cost	NOUN
cblr-3007	75	41	of	of	ADP
cblr-3007	75	42	,	,	PUNCT
cblr-3007	75	43	achieving	achieve	VERB
cblr-3007	75	44	the	the	DET
cblr-3007	75	45	stated	state	VERB
cblr-3007	75	46	ends	end	VERB
cblr-3007	75	47	?	?	PUNCT
cblr-3007	76	1	the	the	DET
cblr-3007	76	2	key	key	ADJ
cblr-3007	76	3	feature	feature	NOUN
cblr-3007	76	4	of	of	ADP
cblr-3007	76	5	the	the	DET
cblr-3007	76	6	payment	payment	NOUN
cblr-3007	76	7	card	card	NOUN
cblr-3007	76	8	industry	industry	NOUN
cblr-3007	76	9	is	be	AUX
cblr-3007	76	10	that	that	SCONJ
cblr-3007	76	11	the	the	DET
cblr-3007	76	12	demands	demand	NOUN
cblr-3007	76	13	of	of	ADP
cblr-3007	76	14	network	network	NOUN
cblr-3007	76	15	formation	formation	NOUN
cblr-3007	76	16	require	require	VERB
cblr-3007	76	17	a	a	DET
cblr-3007	76	18	high	high	ADJ
cblr-3007	76	19	industry	industry	NOUN
cblr-3007	76	20	concentration	concentration	NOUN
cblr-3007	76	21	within	within	ADP
cblr-3007	76	22	limited	limited	ADJ
cblr-3007	76	23	affiliated	affiliated	ADJ
cblr-3007	76	24	groups	group	NOUN
cblr-3007	76	25	.	.	PUNCT
cblr-3007	77	1	even	even	ADV
cblr-3007	77	2	when	when	SCONJ
cblr-3007	77	3	the	the	DET
cblr-3007	77	4	issuing	issue	VERB
cblr-3007	77	5	banks	bank	NOUN
cblr-3007	77	6	do	do	AUX
cblr-3007	77	7	not	not	PART
cblr-3007	77	8	collude	collude	VERB
cblr-3007	77	9	with	with	ADP
cblr-3007	77	10	each	each	DET
cblr-3007	77	11	other	other	ADJ
cblr-3007	77	12	,	,	PUNCT
cblr-3007	77	13	prices	price	NOUN
cblr-3007	77	14	on	on	ADP
cblr-3007	77	15	either	either	DET
cblr-3007	77	16	side	side	NOUN
cblr-3007	77	17	of	of	ADP
cblr-3007	77	18	the	the	DET
cblr-3007	77	19	market	market	NOUN
cblr-3007	77	20	could	could	AUX
cblr-3007	77	21	easily	easily	ADV
cblr-3007	77	22	exceed	exceed	VERB
cblr-3007	77	23	marginal	marginal	ADJ
cblr-3007	77	24	cost	cost	NOUN
cblr-3007	77	25	.	.	PUNCT
cblr-3007	78	1	but	but	CCONJ
cblr-3007	78	2	owing	owe	VERB
cblr-3007	78	3	to	to	ADP
cblr-3007	78	4	the	the	DET
cblr-3007	78	5	interdependence	interdependence	NOUN
cblr-3007	78	6	between	between	ADP
cblr-3007	78	7	both	both	DET
cblr-3007	78	8	sides	side	NOUN
cblr-3007	78	9	of	of	ADP
cblr-3007	78	10	the	the	DET
cblr-3007	78	11	market	market	NOUN
cblr-3007	78	12	,	,	PUNCT
cblr-3007	78	13	there	there	PRON
cblr-3007	78	14	exists	exist	VERB
cblr-3007	78	15	no	no	DET
cblr-3007	78	16	effective	effective	ADJ
cblr-3007	78	17	remedy	remedy	NOUN
cblr-3007	78	18	for	for	ADP
cblr-3007	78	19	this	this	DET
cblr-3007	78	20	imperfect	imperfect	ADJ
cblr-3007	78	21	state	state	NOUN
cblr-3007	78	22	of	of	ADP
cblr-3007	78	23	affairs	affair	NOUN
cblr-3007	78	24	.	.	PUNCT
cblr-3007	79	1	direct	direct	ADJ
cblr-3007	79	2	systems	system	NOUN
cblr-3007	79	3	of	of	ADP
cblr-3007	79	4	price	price	NOUN
cblr-3007	79	5	regulation	regulation	NOUN
cblr-3007	79	6	create	create	VERB
cblr-3007	79	7	as	as	ADV
cblr-3007	79	8	many	many	ADJ
cblr-3007	79	9	distortions	distortion	NOUN
cblr-3007	79	10	as	as	SCONJ
cblr-3007	79	11	they	they	PRON
cblr-3007	79	12	remove	remove	VERB
cblr-3007	79	13	.	.	PUNCT
cblr-3007	80	1	moreover	moreover	ADV
cblr-3007	80	2	,	,	PUNCT
cblr-3007	80	3	antitrust	antitrust	ADJ
cblr-3007	80	4	or	or	CCONJ
cblr-3007	80	5	competition	competition	NOUN
cblr-3007	80	6	policy	policy	NOUN
cblr-3007	80	7	can	can	AUX
cblr-3007	80	8	not	not	PART
cblr-3007	80	9	fashion	fashion	VERB
cblr-3007	80	10	a	a	DET
cblr-3007	80	11	useful	useful	ADJ
cblr-3007	80	12	remedy	remedy	NOUN
cblr-3007	80	13	for	for	ADP
cblr-3007	80	14	an	an	DET
cblr-3007	80	15	industry	industry	NOUN
cblr-3007	80	16	that	that	PRON
cblr-3007	80	17	can	can	AUX
cblr-3007	80	18	not	not	PART
cblr-3007	80	19	operate	operate	VERB
cblr-3007	80	20	in	in	ADP
cblr-3007	80	21	pure	pure	ADJ
cblr-3007	80	22	competitive	competitive	ADJ
cblr-3007	80	23	fashion	fashion	NOUN
cblr-3007	80	24	.	.	PUNCT
cblr-3007	81	1	in	in	ADP
cblr-3007	81	2	the	the	DET
cblr-3007	81	3	world	world	NOUN
cblr-3007	81	4	of	of	ADP
cblr-3007	81	5	second	second	ADJ
cblr-3007	81	6	best	good	ADJ
cblr-3007	81	7	options	option	NOUN
cblr-3007	81	8	,	,	PUNCT
cblr-3007	81	9	it	it	PRON
cblr-3007	81	10	is	be	AUX
cblr-3007	81	11	unwise	unwise	ADJ
cblr-3007	81	12	to	to	PART
cblr-3007	81	13	invest	invest	VERB
cblr-3007	81	14	limited	limited	ADJ
cblr-3007	81	15	resources	resource	NOUN
cblr-3007	81	16	in	in	ADP
cblr-3007	81	17	proposing	propose	VERB
cblr-3007	81	18	and	and	CCONJ
cblr-3007	81	19	resisting	resist	VERB
cblr-3007	81	20	regulation	regulation	NOUN
cblr-3007	81	21	,	,	PUNCT
cblr-3007	81	22	where	where	SCONJ
cblr-3007	81	23	they	they	PRON
cblr-3007	81	24	yield	yield	VERB
cblr-3007	81	25	a	a	DET
cblr-3007	81	26	low	low	ADJ
cblr-3007	81	27	rate	rate	NOUN
cblr-3007	81	28	of	of	ADP
cblr-3007	81	29	return	return	NOUN
cblr-3007	81	30	.	.	PUNCT
cblr-3007	82	1	this	this	DET
cblr-3007	82	2	conclusion	conclusion	NOUN
cblr-3007	82	3	is	be	AUX
cblr-3007	82	4	not	not	PART
cblr-3007	82	5	based	base	VERB
cblr-3007	82	6	,	,	PUNCT
cblr-3007	82	7	either	either	CCONJ
cblr-3007	82	8	largely	largely	ADV
cblr-3007	82	9	or	or	CCONJ
cblr-3007	82	10	exclusively	exclusively	ADV
cblr-3007	82	11	,	,	PUNCT
cblr-3007	82	12	on	on	ADP
cblr-3007	82	13	any	any	DET
cblr-3007	82	14	appeal	appeal	NOUN
cblr-3007	82	15	to	to	ADP
cblr-3007	82	16	public	public	ADJ
cblr-3007	82	17	choice	choice	NOUN
cblr-3007	82	18	theory	theory	NOUN
cblr-3007	82	19	,	,	PUNCT
cblr-3007	82	20	which	which	PRON
cblr-3007	82	21	suggests	suggest	VERB
cblr-3007	82	22	that	that	SCONJ
cblr-3007	82	23	political	political	ADJ
cblr-3007	82	24	factions	faction	NOUN
cblr-3007	82	25	can	can	AUX
cblr-3007	82	26	capture	capture	VERB
cblr-3007	82	27	public	public	ADJ
cblr-3007	82	28	administrative	administrative	ADJ
cblr-3007	82	29	bodies	body	NOUN
cblr-3007	82	30	.	.	PUNCT
cblr-3007	83	1	even	even	ADV
cblr-3007	83	2	though	though	SCONJ
cblr-3007	83	3	key	key	ADJ
cblr-3007	83	4	interest	interest	NOUN
cblr-3007	83	5	groups	group	NOUN
cblr-3007	83	6	lobbied	lobby	VERB
cblr-3007	83	7	the	the	DET
cblr-3007	83	8	rba	rba	NOUN
cblr-3007	83	9	hard	hard	ADV
cblr-3007	83	10	for	for	ADP
cblr-3007	83	11	their	their	PRON
cblr-3007	83	12	preferred	preferred	ADJ
cblr-3007	83	13	positions	position	NOUN
cblr-3007	83	14	,	,	PUNCT
cblr-3007	83	15	there	there	PRON
cblr-3007	83	16	is	be	VERB
cblr-3007	83	17	no	no	DET
cblr-3007	83	18	real	real	ADJ
cblr-3007	83	19	evidence	evidence	NOUN
cblr-3007	83	20	that	that	SCONJ
cblr-3007	83	21	the	the	DET
cblr-3007	83	22	rba	rba	NOUN
cblr-3007	83	23	did	do	AUX
cblr-3007	83	24	anything	anything	PRON
cblr-3007	83	25	other	other	ADJ
cblr-3007	83	26	than	than	SCONJ
cblr-3007	83	27	seek	seek	VERB
cblr-3007	83	28	to	to	PART
cblr-3007	83	29	maximize	maximize	VERB
cblr-3007	83	30	its	its	PRON
cblr-3007	83	31	vision	vision	NOUN
cblr-3007	83	32	of	of	ADP
cblr-3007	83	33	social	social	ADJ
cblr-3007	83	34	welfare	welfare	NOUN
cblr-3007	83	35	.	.	PUNCT
cblr-3007	84	1	although	although	SCONJ
cblr-3007	84	2	merchants	merchant	NOUN
cblr-3007	84	3	as	as	ADP
cblr-3007	84	4	a	a	DET
cblr-3007	84	5	class	class	NOUN
cblr-3007	84	6	benefited	benefit	VERB
cblr-3007	84	7	from	from	ADP
cblr-3007	84	8	this	this	DET
cblr-3007	84	9	proposal	proposal	NOUN
cblr-3007	84	10	,	,	PUNCT
cblr-3007	84	11	the	the	DET
cblr-3007	84	12	reforms	reform	NOUN
cblr-3007	84	13	were	be	AUX
cblr-3007	84	14	not	not	PART
cblr-3007	84	15	promoted	promote	VERB
cblr-3007	84	16	as	as	ADP
cblr-3007	84	17	an	an	DET
cblr-3007	84	18	effort	effort	NOUN
cblr-3007	84	19	to	to	PART
cblr-3007	84	20	achieve	achieve	VERB
cblr-3007	84	21	that	that	DET
cblr-3007	84	22	partisan	partisan	ADJ
cblr-3007	84	23	end	end	NOUN
cblr-3007	84	24	.	.	PUNCT
cblr-3007	85	1	rather	rather	ADV
cblr-3007	85	2	,	,	PUNCT
cblr-3007	85	3	the	the	DET
cblr-3007	85	4	rba	rba	NOUN
cblr-3007	85	5	seems	seem	VERB
cblr-3007	85	6	to	to	PART
cblr-3007	85	7	have	have	AUX
cblr-3007	85	8	followed	follow	VERB
cblr-3007	85	9	the	the	DET
cblr-3007	85	10	highest	high	ADJ
cblr-3007	85	11	standards	standard	NOUN
cblr-3007	85	12	of	of	ADP
cblr-3007	85	13	public	public	ADJ
cblr-3007	85	14	responsibility	responsibility	NOUN
cblr-3007	85	15	in	in	ADP
cblr-3007	85	16	promulgating	promulgate	VERB
cblr-3007	85	17	these	these	DET
cblr-3007	85	18	regulations	regulation	NOUN
cblr-3007	85	19	.	.	PUNCT
cblr-3007	86	1	nevertheless	nevertheless	ADV
cblr-3007	86	2	,	,	PUNCT
cblr-3007	86	3	the	the	DET
cblr-3007	86	4	rba	rba	NOUN
cblr-3007	86	5	's	's	PART
cblr-3007	86	6	col	col	PROPN
cblr-3007	86	7	umbia	umbia	PROPN
cblr-3007	86	8	b	b	PROPN
cblr-3007	86	9	usiness	usiness	PROPN
cblr-3007	86	10	la	la	PROPN
cblr-3007	86	11	w	w	PROPN
cblr-3007	86	12	re	re	PROPN
cblr-3007	86	13	vie	vie	PROPN
cblr-3007	86	14	w	w	PROPN
cblr-3007	87	1	[	[	X
cblr-3007	87	2	vol	vol	NOUN
cblr-3007	87	3	.	.	PUNCT
cblr-3007	87	4	2005	2005	NUM
cblr-3007	87	5	the	the	DET
cblr-3007	87	6	regulation	regulation	NOUN
cblr-3007	87	7	of	of	ADP
cblr-3007	87	8	interchange	interchange	NOUN
cblr-3007	87	9	fees	fee	NOUN
cblr-3007	87	10	proposal	proposal	NOUN
cblr-3007	87	11	still	still	ADV
cblr-3007	87	12	lacks	lack	VERB
cblr-3007	87	13	the	the	DET
cblr-3007	87	14	intellectual	intellectual	ADJ
cblr-3007	87	15	and	and	CCONJ
cblr-3007	87	16	institutional	institutional	ADJ
cblr-3007	87	17	soundness	soundness	NOUN
cblr-3007	87	18	to	to	PART
cblr-3007	87	19	make	make	VERB
cblr-3007	87	20	it	it	PRON
cblr-3007	87	21	work	work	VERB
cblr-3007	87	22	.	.	PUNCT
cblr-3007	88	1	the	the	DET
cblr-3007	88	2	key	key	ADJ
cblr-3007	88	3	intellectual	intellectual	ADJ
cblr-3007	88	4	objection	objection	NOUN
cblr-3007	88	5	to	to	ADP
cblr-3007	88	6	the	the	DET
cblr-3007	88	7	rba	rba	NOUN
cblr-3007	88	8	's	's	PART
cblr-3007	88	9	reforms	reform	NOUN
cblr-3007	88	10	stresses	stress	VERB
cblr-3007	88	11	the	the	DET
cblr-3007	88	12	limited	limited	ADJ
cblr-3007	88	13	potential	potential	NOUN
cblr-3007	88	14	for	for	ADP
cblr-3007	88	15	social	social	ADJ
cblr-3007	88	16	gains	gain	NOUN
cblr-3007	88	17	under	under	ADP
cblr-3007	88	18	this	this	DET
cblr-3007	88	19	regime	regime	NOUN
cblr-3007	88	20	.	.	PUNCT
cblr-3007	89	1	because	because	SCONJ
cblr-3007	89	2	the	the	DET
cblr-3007	89	3	rba	rba	NOUN
cblr-3007	89	4	chose	choose	VERB
cblr-3007	89	5	to	to	PART
cblr-3007	89	6	regulate	regulate	VERB
cblr-3007	89	7	those	those	DET
cblr-3007	89	8	credit	credit	NOUN
cblr-3007	89	9	arrangements	arrangement	NOUN
cblr-3007	89	10	that	that	PRON
cblr-3007	89	11	are	be	AUX
cblr-3007	89	12	both	both	PRON
cblr-3007	89	13	"	"	PUNCT
cblr-3007	89	14	consensual	consensual	ADJ
cblr-3007	89	15	"	"	PUNCT
cblr-3007	89	16	in	in	ADP
cblr-3007	89	17	origin	origin	NOUN
cblr-3007	89	18	and	and	CCONJ
cblr-3007	89	19	"	"	PUNCT
cblr-3007	89	20	durable	durable	ADJ
cblr-3007	89	21	"	"	PUNCT
cblr-3007	89	22	in	in	ADP
cblr-3007	89	23	effect	effect	NOUN
cblr-3007	89	24	,	,	PUNCT
cblr-3007	89	25	it	it	PRON
cblr-3007	89	26	effectively	effectively	ADV
cblr-3007	89	27	placed	place	VERB
cblr-3007	89	28	a	a	DET
cblr-3007	89	29	sharp	sharp	ADJ
cblr-3007	89	30	upper	upper	ADJ
cblr-3007	89	31	boundary	boundary	NOUN
cblr-3007	89	32	on	on	ADP
cblr-3007	89	33	the	the	DET
cblr-3007	89	34	potential	potential	NOUN
cblr-3007	89	35	for	for	ADP
cblr-3007	89	36	social	social	ADJ
cblr-3007	89	37	gain	gain	NOUN
cblr-3007	89	38	under	under	ADP
cblr-3007	89	39	its	its	PRON
cblr-3007	89	40	intervention.9	intervention.9	NOUN
cblr-3007	89	41	consensual	consensual	ADJ
cblr-3007	89	42	transactions	transaction	NOUN
cblr-3007	89	43	routinely	routinely	ADV
cblr-3007	89	44	describe	describe	VERB
cblr-3007	89	45	those	those	DET
cblr-3007	89	46	situations	situation	NOUN
cblr-3007	89	47	in	in	ADP
cblr-3007	89	48	which	which	PRON
cblr-3007	89	49	all	all	DET
cblr-3007	89	50	parties	party	NOUN
cblr-3007	89	51	to	to	ADP
cblr-3007	89	52	the	the	DET
cblr-3007	89	53	arrangement	arrangement	NOUN
cblr-3007	89	54	are	be	AUX
cblr-3007	89	55	better	well	ADJ
cblr-3007	89	56	off	off	ADV
cblr-3007	89	57	than	than	SCONJ
cblr-3007	89	58	they	they	PRON
cblr-3007	89	59	were	be	AUX
cblr-3007	89	60	before	before	ADP
cblr-3007	89	61	entering	enter	VERB
cblr-3007	89	62	into	into	ADP
cblr-3007	89	63	the	the	DET
cblr-3007	89	64	arrangement	arrangement	NOUN
cblr-3007	89	65	.	.	PUNCT
cblr-3007	90	1	10	10	NUM
cblr-3007	90	2	these	these	DET
cblr-3007	90	3	payment	payment	NOUN
cblr-3007	90	4	transactions	transaction	NOUN
cblr-3007	90	5	therefore	therefore	ADV
cblr-3007	90	6	differ	differ	VERB
cblr-3007	90	7	sharply	sharply	ADV
cblr-3007	90	8	from	from	ADP
cblr-3007	90	9	situations	situation	NOUN
cblr-3007	90	10	where	where	SCONJ
cblr-3007	90	11	the	the	DET
cblr-3007	90	12	"	"	PUNCT
cblr-3007	90	13	unilateral	unilateral	ADJ
cblr-3007	90	14	"	"	PUNCT
cblr-3007	90	15	actions	action	NOUN
cblr-3007	90	16	of	of	ADP
cblr-3007	90	17	one	one	NUM
cblr-3007	90	18	party	party	NOUN
cblr-3007	90	19	have	have	VERB
cblr-3007	90	20	negative	negative	ADJ
cblr-3007	90	21	external	external	ADJ
cblr-3007	90	22	effects	effect	NOUN
cblr-3007	90	23	upon	upon	SCONJ
cblr-3007	90	24	a	a	DET
cblr-3007	90	25	second	second	ADJ
cblr-3007	90	26	party	party	NOUN
cblr-3007	90	27	,	,	PUNCT
cblr-3007	90	28	such	such	ADJ
cblr-3007	90	29	as	as	ADP
cblr-3007	90	30	in	in	ADP
cblr-3007	90	31	instances	instance	NOUN
cblr-3007	90	32	of	of	ADP
cblr-3007	90	33	aggression	aggression	NOUN
cblr-3007	90	34	or	or	CCONJ
cblr-3007	90	35	pollution	pollution	NOUN
cblr-3007	90	36	.	.	PUNCT
cblr-3007	91	1	moreover	moreover	ADV
cblr-3007	91	2	,	,	PUNCT
cblr-3007	91	3	"	"	PUNCT
cblr-3007	91	4	durable	durable	ADJ
cblr-3007	91	5	"	"	PUNCT
cblr-3007	91	6	transactions	transaction	NOUN
cblr-3007	91	7	eliminate	eliminate	VERB
cblr-3007	91	8	certain	certain	ADJ
cblr-3007	91	9	risks	risk	NOUN
cblr-3007	91	10	that	that	PRON
cblr-3007	91	11	often	often	ADV
cblr-3007	91	12	infect	infect	VERB
cblr-3007	91	13	voluntary	voluntary	ADJ
cblr-3007	91	14	transactions	transaction	NOUN
cblr-3007	91	15	,	,	PUNCT
cblr-3007	91	16	including	include	VERB
cblr-3007	91	17	mistake	mistake	NOUN
cblr-3007	91	18	,	,	PUNCT
cblr-3007	91	19	nondisclosure	nondisclosure	NOUN
cblr-3007	91	20	,	,	PUNCT
cblr-3007	91	21	and	and	CCONJ
cblr-3007	91	22	misrepresentation	misrepresentation	NOUN
cblr-3007	91	23	.	.	PUNCT
cblr-3007	92	1	while	while	SCONJ
cblr-3007	92	2	these	these	DET
cblr-3007	92	3	risks	risk	NOUN
cblr-3007	92	4	could	could	AUX
cblr-3007	92	5	be	be	AUX
cblr-3007	92	6	present	present	ADJ
cblr-3007	92	7	in	in	ADP
cblr-3007	92	8	one	one	NUM
cblr-3007	92	9	-	-	PUNCT
cblr-3007	92	10	shot	shot	NOUN
cblr-3007	92	11	transactions	transaction	NOUN
cblr-3007	92	12	(	(	PUNCT
cblr-3007	92	13	e.g.	e.g.	ADV
cblr-3007	92	14	,	,	PUNCT
cblr-3007	92	15	the	the	DET
cblr-3007	92	16	private	private	ADJ
cblr-3007	92	17	sale	sale	NOUN
cblr-3007	92	18	of	of	ADP
cblr-3007	92	19	a	a	DET
cblr-3007	92	20	used	use	VERB
cblr-3007	92	21	car	car	NOUN
cblr-3007	92	22	)	)	PUNCT
cblr-3007	92	23	,	,	PUNCT
cblr-3007	92	24	they	they	PRON
cblr-3007	92	25	are	be	AUX
cblr-3007	92	26	not	not	PART
cblr-3007	92	27	likely	likely	ADJ
cblr-3007	92	28	to	to	PART
cblr-3007	92	29	exist	exist	VERB
cblr-3007	92	30	among	among	ADP
cblr-3007	92	31	repeat	repeat	NOUN
cblr-3007	92	32	players	player	NOUN
cblr-3007	92	33	,	,	PUNCT
cblr-3007	92	34	especially	especially	ADV
cblr-3007	92	35	the	the	DET
cblr-3007	92	36	sophisticated	sophisticated	ADJ
cblr-3007	92	37	parties	party	NOUN
cblr-3007	92	38	involved	involve	VERB
cblr-3007	92	39	here	here	ADV
cblr-3007	92	40	.	.	PUNCT
cblr-3007	93	1	in	in	ADP
cblr-3007	93	2	the	the	DET
cblr-3007	93	3	payment	payment	NOUN
cblr-3007	93	4	industry	industry	NOUN
cblr-3007	93	5	,	,	PUNCT
cblr-3007	93	6	for	for	ADP
cblr-3007	93	7	example	example	NOUN
cblr-3007	93	8	,	,	PUNCT
cblr-3007	93	9	the	the	DET
cblr-3007	93	10	feedback	feedback	NOUN
cblr-3007	93	11	mechanisms	mechanism	NOUN
cblr-3007	93	12	on	on	ADP
cblr-3007	93	13	information	information	NOUN
cblr-3007	93	14	are	be	AUX
cblr-3007	93	15	exceedingly	exceedingly	ADV
cblr-3007	93	16	strong	strong	ADJ
cblr-3007	93	17	because	because	SCONJ
cblr-3007	93	18	the	the	DET
cblr-3007	93	19	entire	entire	ADJ
cblr-3007	93	20	system	system	NOUN
cblr-3007	93	21	can	can	AUX
cblr-3007	93	22	operate	operate	VERB
cblr-3007	93	23	only	only	ADV
cblr-3007	93	24	if	if	SCONJ
cblr-3007	93	25	the	the	DET
cblr-3007	93	26	parties	party	NOUN
cblr-3007	93	27	preserve	preserve	VERB
cblr-3007	93	28	complete	complete	ADJ
cblr-3007	93	29	and	and	CCONJ
cblr-3007	93	30	accurate	accurate	ADJ
cblr-3007	93	31	records	record	NOUN
cblr-3007	93	32	of	of	ADP
cblr-3007	93	33	all	all	DET
cblr-3007	93	34	transactions	transaction	NOUN
cblr-3007	93	35	and	and	CCONJ
cblr-3007	93	36	share	share	VERB
cblr-3007	93	37	this	this	DET
cblr-3007	93	38	information	information	NOUN
cblr-3007	93	39	with	with	ADP
cblr-3007	93	40	both	both	CCONJ
cblr-3007	93	41	cardholders	cardholder	NOUN
cblr-3007	93	42	and	and	CCONJ
cblr-3007	93	43	merchants	merchant	NOUN
cblr-3007	93	44	on	on	ADP
cblr-3007	93	45	a	a	DET
cblr-3007	93	46	routine	routine	ADJ
cblr-3007	93	47	basis	basis	NOUN
cblr-3007	93	48	.	.	PUNCT
cblr-3007	94	1	while	while	SCONJ
cblr-3007	94	2	the	the	DET
cblr-3007	94	3	element	element	NOUN
cblr-3007	94	4	of	of	ADP
cblr-3007	94	5	surprise	surprise	NOUN
cblr-3007	94	6	may	may	AUX
cblr-3007	94	7	infect	infect	VERB
cblr-3007	94	8	some	some	DET
cblr-3007	94	9	individual	individual	ADJ
cblr-3007	94	10	transactions	transaction	NOUN
cblr-3007	94	11	,	,	PUNCT
cblr-3007	94	12	it	it	PRON
cblr-3007	94	13	is	be	AUX
cblr-3007	94	14	not	not	PART
cblr-3007	94	15	the	the	DET
cblr-3007	94	16	norm	norm	NOUN
cblr-3007	94	17	in	in	ADP
cblr-3007	94	18	any	any	DET
cblr-3007	94	19	situation	situation	NOUN
cblr-3007	94	20	involving	involve	VERB
cblr-3007	94	21	either	either	CCONJ
cblr-3007	94	22	checks	check	NOUN
cblr-3007	94	23	or	or	CCONJ
cblr-3007	94	24	payment	payment	NOUN
cblr-3007	94	25	cards	card	NOUN
cblr-3007	94	26	.	.	PUNCT
cblr-3007	94	27	"	"	PUNCT
cblr-3007	95	1	to	to	PART
cblr-3007	95	2	be	be	AUX
cblr-3007	95	3	sure	sure	ADJ
cblr-3007	95	4	,	,	PUNCT
cblr-3007	95	5	most	most	ADJ
cblr-3007	95	6	individuals	individual	NOUN
cblr-3007	95	7	do	do	AUX
cblr-3007	95	8	not	not	PART
cblr-3007	95	9	have	have	VERB
cblr-3007	95	10	perfect	perfect	ADJ
cblr-3007	95	11	knowledge	knowledge	NOUN
cblr-3007	95	12	of	of	ADP
cblr-3007	95	13	the	the	DET
cblr-3007	95	14	full	full	ADJ
cblr-3007	95	15	range	range	NOUN
cblr-3007	95	16	of	of	ADP
cblr-3007	95	17	9	9	NUM
cblr-3007	95	18	this	this	DET
cblr-3007	95	19	conclusion	conclusion	NOUN
cblr-3007	95	20	holds	hold	VERB
cblr-3007	95	21	whether	whether	SCONJ
cblr-3007	95	22	such	such	ADJ
cblr-3007	95	23	changes	change	NOUN
cblr-3007	95	24	result	result	VERB
cblr-3007	95	25	from	from	ADP
cblr-3007	95	26	direct	direct	ADJ
cblr-3007	95	27	regulation	regulation	NOUN
cblr-3007	95	28	or	or	CCONJ
cblr-3007	95	29	from	from	ADP
cblr-3007	95	30	private	private	ADJ
cblr-3007	95	31	litigation	litigation	NOUN
cblr-3007	95	32	,	,	PUNCT
cblr-3007	95	33	but	but	CCONJ
cblr-3007	95	34	particularly	particularly	ADV
cblr-3007	95	35	under	under	ADP
cblr-3007	95	36	the	the	DET
cblr-3007	95	37	antitrust	antitrust	ADJ
cblr-3007	95	38	laws	law	NOUN
cblr-3007	95	39	in	in	ADP
cblr-3007	95	40	the	the	DET
cblr-3007	95	41	united	united	PROPN
cblr-3007	95	42	states	states	PROPN
cblr-3007	95	43	or	or	CCONJ
cblr-3007	95	44	the	the	DET
cblr-3007	95	45	competition	competition	NOUN
cblr-3007	95	46	law	law	NOUN
cblr-3007	95	47	,	,	PUNCT
cblr-3007	95	48	as	as	SCONJ
cblr-3007	95	49	it	it	PRON
cblr-3007	95	50	is	be	AUX
cblr-3007	95	51	described	describe	VERB
cblr-3007	95	52	,	,	PUNCT
cblr-3007	95	53	elsewhere	elsewhere	ADV
cblr-3007	95	54	in	in	ADP
cblr-3007	95	55	the	the	DET
cblr-3007	95	56	world	world	NOUN
cblr-3007	95	57	.	.	PUNCT
cblr-3007	96	1	10	10	NUM
cblr-3007	96	2	baxter	baxter	PROPN
cblr-3007	96	3	,	,	PUNCT
cblr-3007	96	4	supra	supra	PROPN
cblr-3007	96	5	note	note	PROPN
cblr-3007	96	6	1	1	NUM
cblr-3007	96	7	,	,	PUNCT
cblr-3007	96	8	at	at	ADP
cblr-3007	96	9	552	552	NUM
cblr-3007	96	10	-	-	SYM
cblr-3007	96	11	56	56	NUM
cblr-3007	96	12	.	.	PUNCT
cblr-3007	96	13	"	"	PUNCT
cblr-3007	97	1	a	a	DET
cblr-3007	97	2	truth	truth	NOUN
cblr-3007	97	3	in	in	ADP
cblr-3007	97	4	lending	lending	NOUN
cblr-3007	97	5	remedy	remedy	NOUN
cblr-3007	97	6	may	may	AUX
cblr-3007	97	7	prove	prove	VERB
cblr-3007	97	8	appropriate	appropriate	ADJ
cblr-3007	97	9	in	in	ADP
cblr-3007	97	10	these	these	DET
cblr-3007	97	11	cases	case	NOUN
cblr-3007	97	12	.	.	PUNCT
cblr-3007	98	1	for	for	ADP
cblr-3007	98	2	a	a	DET
cblr-3007	98	3	useful	useful	ADJ
cblr-3007	98	4	discussion	discussion	NOUN
cblr-3007	98	5	concerning	concern	VERB
cblr-3007	98	6	the	the	DET
cblr-3007	98	7	topics	topic	NOUN
cblr-3007	98	8	of	of	ADP
cblr-3007	98	9	misrepresentation	misrepresentation	NOUN
cblr-3007	98	10	and	and	CCONJ
cblr-3007	98	11	disclosure	disclosure	NOUN
cblr-3007	98	12	,	,	PUNCT
cblr-3007	98	13	see	see	VERB
cblr-3007	98	14	rossman	rossman	PROPN
cblr-3007	98	15	v.	v.	PROPN
cblr-3007	98	16	fleet	fleet	PROPN
cblr-3007	98	17	bank	bank	PROPN
cblr-3007	98	18	nat'l	nat'l	PROPN
cblr-3007	98	19	ass'n	ass'n	PROPN
cblr-3007	98	20	,	,	PUNCT
cblr-3007	98	21	280	280	NUM
cblr-3007	98	22	f.3d	f.3d	NUM
cblr-3007	98	23	384	384	NUM
cblr-3007	98	24	,	,	PUNCT
cblr-3007	98	25	389	389	NUM
cblr-3007	98	26	-	-	SYM
cblr-3007	98	27	91	91	NUM
cblr-3007	98	28	(	(	PUNCT
cblr-3007	98	29	3d	3d	NUM
cblr-3007	98	30	cir	cir	NOUN
cblr-3007	98	31	.	.	PUNCT
cblr-3007	98	32	2002	2002	NUM
cblr-3007	98	33	)	)	PUNCT
cblr-3007	98	34	.	.	PUNCT
cblr-3007	99	1	no	no	INTJ
cblr-3007	99	2	.	.	PUNCT
cblr-3007	100	1	3:551	3:551	NUM
cblr-3007	100	2	]	]	X
cblr-3007	100	3	available	available	ADJ
cblr-3007	100	4	card	card	NOUN
cblr-3007	100	5	alternatives	alternative	NOUN
cblr-3007	100	6	,	,	PUNCT
cblr-3007	100	7	even	even	ADV
cblr-3007	100	8	though	though	SCONJ
cblr-3007	100	9	competitors	competitor	NOUN
cblr-3007	100	10	will	will	AUX
cblr-3007	100	11	constantly	constantly	ADV
cblr-3007	100	12	try	try	VERB
cblr-3007	100	13	to	to	PART
cblr-3007	100	14	place	place	VERB
cblr-3007	100	15	better	well	ADJ
cblr-3007	100	16	terms	term	NOUN
cblr-3007	100	17	in	in	ADP
cblr-3007	100	18	front	front	NOUN
cblr-3007	100	19	of	of	ADP
cblr-3007	100	20	them	they	PRON
cblr-3007	100	21	.	.	PUNCT
cblr-3007	101	1	nonetheless	nonetheless	ADV
cblr-3007	101	2	,	,	PUNCT
cblr-3007	101	3	these	these	DET
cblr-3007	101	4	individuals	individual	NOUN
cblr-3007	101	5	do	do	AUX
cblr-3007	101	6	have	have	VERB
cblr-3007	101	7	enough	enough	ADJ
cblr-3007	101	8	information	information	NOUN
cblr-3007	101	9	to	to	PART
cblr-3007	101	10	be	be	AUX
cblr-3007	101	11	sure	sure	ADJ
cblr-3007	101	12	that	that	SCONJ
cblr-3007	101	13	they	they	PRON
cblr-3007	101	14	are	be	AUX
cblr-3007	101	15	not	not	PART
cblr-3007	101	16	made	make	VERB
cblr-3007	101	17	worse	bad	ADJ
cblr-3007	101	18	off	off	ADP
cblr-3007	101	19	by	by	ADP
cblr-3007	101	20	their	their	PRON
cblr-3007	101	21	particular	particular	ADJ
cblr-3007	101	22	pattern	pattern	NOUN
cblr-3007	101	23	of	of	ADP
cblr-3007	101	24	doing	do	VERB
cblr-3007	101	25	business	business	NOUN
cblr-3007	101	26	than	than	SCONJ
cblr-3007	101	27	they	they	PRON
cblr-3007	101	28	would	would	AUX
cblr-3007	101	29	have	have	AUX
cblr-3007	101	30	been	be	AUX
cblr-3007	101	31	if	if	SCONJ
cblr-3007	101	32	they	they	PRON
cblr-3007	101	33	had	have	AUX
cblr-3007	101	34	not	not	PART
cblr-3007	101	35	used	use	VERB
cblr-3007	101	36	any	any	DET
cblr-3007	101	37	credit	credit	NOUN
cblr-3007	101	38	device	device	NOUN
cblr-3007	101	39	at	at	ADV
cblr-3007	101	40	all	all	ADV
cblr-3007	101	41	.	.	PUNCT
cblr-3007	102	1	the	the	DET
cblr-3007	102	2	purpose	purpose	NOUN
cblr-3007	102	3	of	of	ADP
cblr-3007	102	4	the	the	DET
cblr-3007	102	5	rba	rba	NOUN
cblr-3007	102	6	's	's	PART
cblr-3007	102	7	regulation	regulation	NOUN
cblr-3007	102	8	,	,	PUNCT
cblr-3007	102	9	therefore	therefore	ADV
cblr-3007	102	10	,	,	PUNCT
cblr-3007	102	11	was	be	AUX
cblr-3007	102	12	not	not	PART
cblr-3007	102	13	to	to	PART
cblr-3007	102	14	prevent	prevent	VERB
cblr-3007	102	15	negative	negative	ADJ
cblr-3007	102	16	sum	sum	NOUN
cblr-3007	102	17	games	game	NOUN
cblr-3007	102	18	from	from	ADP
cblr-3007	102	19	emerging	emerge	VERB
cblr-3007	102	20	among	among	ADP
cblr-3007	102	21	the	the	DET
cblr-3007	102	22	four	four	NUM
cblr-3007	102	23	parties	party	NOUN
cblr-3007	102	24	to	to	ADP
cblr-3007	102	25	the	the	DET
cblr-3007	102	26	standard	standard	ADJ
cblr-3007	102	27	open	open	ADJ
cblr-3007	102	28	-	-	PUNCT
cblr-3007	102	29	system	system	NOUN
cblr-3007	102	30	credit	credit	NOUN
cblr-3007	102	31	transaction	transaction	NOUN
cblr-3007	102	32	.	.	PUNCT
cblr-3007	103	1	rather	rather	ADV
cblr-3007	103	2	,	,	PUNCT
cblr-3007	103	3	its	its	PRON
cblr-3007	103	4	goal	goal	NOUN
cblr-3007	103	5	was	be	AUX
cblr-3007	103	6	to	to	PART
cblr-3007	103	7	improve	improve	VERB
cblr-3007	103	8	the	the	DET
cblr-3007	103	9	outcome	outcome	NOUN
cblr-3007	103	10	of	of	ADP
cblr-3007	103	11	positive	positive	ADJ
cblr-3007	103	12	sum	sum	NOUN
cblr-3007	103	13	games	game	NOUN
cblr-3007	103	14	in	in	ADP
cblr-3007	103	15	which	which	PRON
cblr-3007	103	16	all	all	DET
cblr-3007	103	17	individual	individual	ADJ
cblr-3007	103	18	players	player	NOUN
cblr-3007	103	19	shared	share	VERB
cblr-3007	103	20	at	at	ADP
cblr-3007	103	21	least	least	ADJ
cblr-3007	103	22	some	some	PRON
cblr-3007	103	23	fraction	fraction	NOUN
cblr-3007	103	24	of	of	ADP
cblr-3007	103	25	the	the	DET
cblr-3007	103	26	gain	gain	NOUN
cblr-3007	103	27	under	under	ADP
cblr-3007	103	28	the	the	DET
cblr-3007	103	29	previous	previous	ADJ
cblr-3007	103	30	institutional	institutional	ADJ
cblr-3007	103	31	arrangements	arrangement	NOUN
cblr-3007	103	32	.	.	PUNCT
cblr-3007	104	1	in	in	ADP
cblr-3007	104	2	principle	principle	NOUN
cblr-3007	104	3	,	,	PUNCT
cblr-3007	104	4	it	it	PRON
cblr-3007	104	5	is	be	AUX
cblr-3007	104	6	always	always	ADV
cblr-3007	104	7	possible	possible	ADJ
cblr-3007	104	8	to	to	PART
cblr-3007	104	9	conceive	conceive	VERB
cblr-3007	104	10	of	of	ADP
cblr-3007	104	11	some	some	DET
cblr-3007	104	12	regulation	regulation	NOUN
cblr-3007	104	13	that	that	PRON
cblr-3007	104	14	can	can	AUX
cblr-3007	104	15	improve	improve	VERB
cblr-3007	104	16	upon	upon	SCONJ
cblr-3007	104	17	the	the	DET
cblr-3007	104	18	status	status	NOUN
cblr-3007	104	19	quo	quo	NOUN
cblr-3007	104	20	,	,	PUNCT
cblr-3007	104	21	but	but	CCONJ
cblr-3007	104	22	,	,	PUNCT
cblr-3007	104	23	as	as	SCONJ
cblr-3007	104	24	chess	chess	NOUN
cblr-3007	104	25	players	player	NOUN
cblr-3007	104	26	concede	concede	VERB
cblr-3007	104	27	,	,	PUNCT
cblr-3007	104	28	it	it	PRON
cblr-3007	104	29	is	be	AUX
cblr-3007	104	30	much	much	ADV
cblr-3007	104	31	more	more	ADV
cblr-3007	104	32	difficult	difficult	ADJ
cblr-3007	104	33	to	to	PART
cblr-3007	104	34	find	find	VERB
cblr-3007	104	35	that	that	SCONJ
cblr-3007	104	36	winning	win	VERB
cblr-3007	104	37	move	move	NOUN
cblr-3007	104	38	on	on	ADP
cblr-3007	104	39	the	the	DET
cblr-3007	104	40	board	board	NOUN
cblr-3007	104	41	.	.	PUNCT
cblr-3007	105	1	in	in	ADP
cblr-3007	105	2	particular	particular	ADJ
cblr-3007	105	3	,	,	PUNCT
cblr-3007	105	4	there	there	PRON
cblr-3007	105	5	are	be	VERB
cblr-3007	105	6	two	two	NUM
cblr-3007	105	7	systemic	systemic	ADJ
cblr-3007	105	8	obstacles	obstacle	NOUN
cblr-3007	105	9	that	that	PRON
cblr-3007	105	10	make	make	VERB
cblr-3007	105	11	this	this	DET
cblr-3007	105	12	endeavor	endeavor	VERB
cblr-3007	105	13	more	more	ADV
cblr-3007	105	14	difficult	difficult	ADJ
cblr-3007	105	15	than	than	SCONJ
cblr-3007	105	16	would	would	AUX
cblr-3007	105	17	otherwise	otherwise	ADV
cblr-3007	105	18	be	be	AUX
cblr-3007	105	19	the	the	DET
cblr-3007	105	20	case	case	NOUN
cblr-3007	105	21	:	:	PUNCT
cblr-3007	105	22	administrative	administrative	ADJ
cblr-3007	105	23	costs	cost	NOUN
cblr-3007	105	24	and	and	CCONJ
cblr-3007	105	25	error	error	NOUN
cblr-3007	105	26	costs	cost	NOUN
cblr-3007	105	27	.	.	PUNCT
cblr-3007	106	1	the	the	DET
cblr-3007	106	2	first	first	ADJ
cblr-3007	106	3	obstacle	obstacle	NOUN
cblr-3007	106	4	is	be	AUX
cblr-3007	106	5	that	that	SCONJ
cblr-3007	106	6	the	the	DET
cblr-3007	106	7	proposed	propose	VERB
cblr-3007	106	8	system	system	NOUN
cblr-3007	106	9	or	or	CCONJ
cblr-3007	106	10	regulation	regulation	NOUN
cblr-3007	106	11	always	always	ADV
cblr-3007	106	12	adds	add	VERB
cblr-3007	106	13	additional	additional	ADJ
cblr-3007	106	14	costs	cost	NOUN
cblr-3007	106	15	.	.	PUNCT
cblr-3007	107	1	at	at	ADP
cblr-3007	107	2	a	a	DET
cblr-3007	107	3	minimum	minimum	NOUN
cblr-3007	107	4	,	,	PUNCT
cblr-3007	107	5	these	these	PRON
cblr-3007	107	6	include	include	VERB
cblr-3007	107	7	the	the	DET
cblr-3007	107	8	costs	cost	NOUN
cblr-3007	107	9	of	of	ADP
cblr-3007	107	10	deciding	decide	VERB
cblr-3007	107	11	what	what	PRON
cblr-3007	107	12	should	should	AUX
cblr-3007	107	13	be	be	AUX
cblr-3007	107	14	done	do	VERB
cblr-3007	107	15	.	.	PUNCT
cblr-3007	108	1	moreover	moreover	ADV
cblr-3007	108	2	,	,	PUNCT
cblr-3007	108	3	within	within	ADP
cblr-3007	108	4	the	the	DET
cblr-3007	108	5	modern	modern	ADJ
cblr-3007	108	6	administrative	administrative	ADJ
cblr-3007	108	7	state	state	NOUN
cblr-3007	108	8	,	,	PUNCT
cblr-3007	108	9	new	new	ADJ
cblr-3007	108	10	rules	rule	NOUN
cblr-3007	108	11	can	can	AUX
cblr-3007	108	12	not	not	PART
cblr-3007	108	13	be	be	AUX
cblr-3007	108	14	imposed	impose	VERB
cblr-3007	108	15	by	by	ADP
cblr-3007	108	16	fiat	fiat	NOUN
cblr-3007	108	17	,	,	PUNCT
cblr-3007	108	18	but	but	CCONJ
cblr-3007	108	19	instead	instead	ADV
cblr-3007	108	20	require	require	VERB
cblr-3007	108	21	a	a	DET
cblr-3007	108	22	period	period	NOUN
cblr-3007	108	23	of	of	ADP
cblr-3007	108	24	reflection	reflection	NOUN
cblr-3007	108	25	,	,	PUNCT
cblr-3007	108	26	research	research	NOUN
cblr-3007	108	27	,	,	PUNCT
cblr-3007	108	28	comment	comment	NOUN
cblr-3007	108	29	,	,	PUNCT
cblr-3007	108	30	and	and	CCONJ
cblr-3007	108	31	debate	debate	NOUN
cblr-3007	108	32	before	before	ADP
cblr-3007	108	33	implementation	implementation	NOUN
cblr-3007	108	34	,	,	PUNCT
cblr-3007	108	35	and	and	CCONJ
cblr-3007	108	36	in	in	ADP
cblr-3007	108	37	many	many	ADJ
cblr-3007	108	38	cases	case	NOUN
cblr-3007	108	39	,	,	PUNCT
cblr-3007	108	40	cry	cry	VERB
cblr-3007	108	41	out	out	ADP
cblr-3007	108	42	for	for	ADP
cblr-3007	108	43	constant	constant	ADJ
cblr-3007	108	44	revision	revision	NOUN
cblr-3007	108	45	thereafter	thereafter	ADV
cblr-3007	108	46	.	.	PUNCT
cblr-3007	109	1	agencies	agency	NOUN
cblr-3007	109	2	justify	justify	VERB
cblr-3007	109	3	this	this	DET
cblr-3007	109	4	elaborate	elaborate	ADJ
cblr-3007	109	5	ritual	ritual	NOUN
cblr-3007	109	6	as	as	ADP
cblr-3007	109	7	a	a	DET
cblr-3007	109	8	means	means	NOUN
cblr-3007	109	9	to	to	PART
cblr-3007	109	10	acquire	acquire	VERB
cblr-3007	109	11	the	the	DET
cblr-3007	109	12	information	information	NOUN
cblr-3007	109	13	necessary	necessary	ADJ
cblr-3007	109	14	to	to	PART
cblr-3007	109	15	prevent	prevent	VERB
cblr-3007	109	16	their	their	PRON
cblr-3007	109	17	regulations	regulation	NOUN
cblr-3007	109	18	from	from	ADP
cblr-3007	109	19	being	be	AUX
cblr-3007	109	20	,	,	PUNCT
cblr-3007	109	21	at	at	ADP
cblr-3007	109	22	best	well	ADV
cblr-3007	109	23	,	,	PUNCT
cblr-3007	109	24	hit	hit	VERB
cblr-3007	109	25	-	-	PUNCT
cblr-3007	109	26	or	or	CCONJ
cblr-3007	109	27	-	-	PUNCT
cblr-3007	109	28	miss	miss	NOUN
cblr-3007	109	29	affairs	affair	NOUN
cblr-3007	109	30	.	.	PUNCT
cblr-3007	110	1	even	even	ADV
cblr-3007	110	2	if	if	SCONJ
cblr-3007	110	3	the	the	DET
cblr-3007	110	4	rba	rba	NOUN
cblr-3007	110	5	's	's	PART
cblr-3007	110	6	relatively	relatively	ADV
cblr-3007	110	7	simple	simple	ADJ
cblr-3007	110	8	price	price	NOUN
cblr-3007	110	9	and	and	CCONJ
cblr-3007	110	10	term	term	NOUN
cblr-3007	110	11	restrictions	restriction	NOUN
cblr-3007	110	12	come	come	VERB
cblr-3007	110	13	only	only	ADV
cblr-3007	110	14	on	on	ADP
cblr-3007	110	15	the	the	DET
cblr-3007	110	16	heels	heel	NOUN
cblr-3007	110	17	of	of	ADP
cblr-3007	110	18	this	this	DET
cblr-3007	110	19	lengthy	lengthy	ADJ
cblr-3007	110	20	process	process	NOUN
cblr-3007	110	21	,	,	PUNCT
cblr-3007	110	22	they	they	PRON
cblr-3007	110	23	are	be	AUX
cblr-3007	110	24	surely	surely	ADV
cblr-3007	110	25	less	less	ADV
cblr-3007	110	26	costly	costly	ADJ
cblr-3007	110	27	than	than	ADP
cblr-3007	110	28	those	those	PRON
cblr-3007	110	29	setting	set	VERB
cblr-3007	110	30	out	out	ADP
cblr-3007	110	31	,	,	PUNCT
cblr-3007	110	32	for	for	ADP
cblr-3007	110	33	example	example	NOUN
cblr-3007	110	34	,	,	PUNCT
cblr-3007	110	35	the	the	DET
cblr-3007	110	36	requirements	requirement	NOUN
cblr-3007	110	37	for	for	ADP
cblr-3007	110	38	workplace	workplace	NOUN
cblr-3007	110	39	or	or	CCONJ
cblr-3007	110	40	environmental	environmental	ADJ
cblr-3007	110	41	safety	safety	NOUN
cblr-3007	110	42	.	.	PUNCT
cblr-3007	111	1	in	in	ADP
cblr-3007	111	2	light	light	NOUN
cblr-3007	111	3	of	of	ADP
cblr-3007	111	4	the	the	DET
cblr-3007	111	5	extensive	extensive	ADJ
cblr-3007	111	6	commentary	commentary	NOUN
cblr-3007	111	7	and	and	CCONJ
cblr-3007	111	8	debate	debate	NOUN
cblr-3007	111	9	,	,	PUNCT
cblr-3007	111	10	the	the	DET
cblr-3007	111	11	total	total	ADJ
cblr-3007	111	12	costs	cost	NOUN
cblr-3007	111	13	have	have	AUX
cblr-3007	111	14	likely	likely	ADV
cblr-3007	111	15	run	run	VERB
cblr-3007	111	16	into	into	ADP
cblr-3007	111	17	the	the	DET
cblr-3007	111	18	millions	million	NOUN
cblr-3007	111	19	of	of	ADP
cblr-3007	111	20	dollars	dollar	NOUN
cblr-3007	111	21	on	on	ADP
cblr-3007	111	22	a	a	DET
cblr-3007	111	23	cumulative	cumulative	ADJ
cblr-3007	111	24	basis	basis	NOUN
cblr-3007	111	25	,	,	PUNCT
cblr-3007	111	26	in	in	ADP
cblr-3007	111	27	what	what	PRON
cblr-3007	111	28	has	have	AUX
cblr-3007	111	29	proven	prove	VERB
cblr-3007	111	30	to	to	PART
cblr-3007	111	31	be	be	AUX
cblr-3007	111	32	an	an	DET
cblr-3007	111	33	ongoing	ongoing	ADJ
cblr-3007	111	34	col	col	PROPN
cblr-3007	111	35	umbia	umbia	PROPN
cblr-3007	111	36	b	b	PROPN
cblr-3007	112	1	usiness	usiness	PROPN
cblr-3007	112	2	la	la	PROPN
cblr-3007	112	3	w	w	PROPN
cblr-3007	112	4	re	re	PROPN
cblr-3007	112	5	vie	vie	PROPN
cblr-3007	112	6	w	w	PROPN
cblr-3007	113	1	[	[	X
cblr-3007	113	2	vol	vol	NOUN
cblr-3007	113	3	.	.	PUNCT
cblr-3007	113	4	2005	2005	NUM
cblr-3007	113	5	the	the	DET
cblr-3007	113	6	regulation	regulation	NOUN
cblr-3007	113	7	of	of	ADP
cblr-3007	113	8	interchange	interchange	NOUN
cblr-3007	113	9	fees	fee	NOUN
cblr-3007	113	10	project.12	project.12	NOUN
cblr-3007	113	11	these	these	DET
cblr-3007	113	12	costs	cost	NOUN
cblr-3007	113	13	are	be	AUX
cblr-3007	113	14	borne	bear	VERB
cblr-3007	113	15	in	in	ADP
cblr-3007	113	16	part	part	NOUN
cblr-3007	113	17	privately	privately	ADV
cblr-3007	113	18	,	,	PUNCT
cblr-3007	113	19	by	by	ADP
cblr-3007	113	20	the	the	DET
cblr-3007	113	21	firms	firm	NOUN
cblr-3007	113	22	that	that	PRON
cblr-3007	113	23	participate	participate	VERB
cblr-3007	113	24	in	in	ADP
cblr-3007	113	25	the	the	DET
cblr-3007	113	26	administrative	administrative	ADJ
cblr-3007	113	27	process	process	NOUN
cblr-3007	113	28	,	,	PUNCT
cblr-3007	113	29	and	and	CCONJ
cblr-3007	113	30	in	in	ADP
cblr-3007	113	31	part	part	NOUN
cblr-3007	113	32	publicly	publicly	ADV
cblr-3007	113	33	,	,	PUNCT
cblr-3007	113	34	by	by	ADP
cblr-3007	113	35	all	all	PRON
cblr-3007	113	36	of	of	ADP
cblr-3007	113	37	the	the	DET
cblr-3007	113	38	citizens	citizen	NOUN
cblr-3007	113	39	whose	whose	DET
cblr-3007	113	40	tax	tax	NOUN
cblr-3007	113	41	dollars	dollar	NOUN
cblr-3007	113	42	support	support	VERB
cblr-3007	113	43	these	these	DET
cblr-3007	113	44	initiatives	initiative	NOUN
cblr-3007	113	45	.	.	PUNCT
cblr-3007	114	1	given	give	VERB
cblr-3007	114	2	this	this	DET
cblr-3007	114	3	first	first	ADJ
cblr-3007	114	4	obstacle	obstacle	NOUN
cblr-3007	114	5	,	,	PUNCT
cblr-3007	114	6	regulators	regulator	NOUN
cblr-3007	114	7	should	should	AUX
cblr-3007	114	8	not	not	PART
cblr-3007	114	9	pursue	pursue	VERB
cblr-3007	114	10	a	a	DET
cblr-3007	114	11	program	program	NOUN
cblr-3007	114	12	unless	unless	SCONJ
cblr-3007	114	13	they	they	PRON
cblr-3007	114	14	have	have	VERB
cblr-3007	114	15	some	some	DET
cblr-3007	114	16	reason	reason	NOUN
cblr-3007	114	17	to	to	PART
cblr-3007	114	18	believe	believe	VERB
cblr-3007	114	19	that	that	SCONJ
cblr-3007	114	20	the	the	DET
cblr-3007	114	21	total	total	ADJ
cblr-3007	114	22	gains	gain	NOUN
cblr-3007	114	23	realized	realize	VERB
cblr-3007	114	24	therefrom	therefrom	NOUN
cblr-3007	114	25	are	be	AUX
cblr-3007	114	26	greater	great	ADJ
cblr-3007	114	27	than	than	ADP
cblr-3007	114	28	the	the	DET
cblr-3007	114	29	full	full	ADJ
cblr-3007	114	30	administrative	administrative	ADJ
cblr-3007	114	31	costs	cost	NOUN
cblr-3007	114	32	required	require	VERB
cblr-3007	114	33	to	to	PART
cblr-3007	114	34	implement	implement	VERB
cblr-3007	114	35	it	it	PRON
cblr-3007	114	36	.	.	PUNCT
cblr-3007	115	1	on	on	ADP
cblr-3007	115	2	the	the	DET
cblr-3007	115	3	other	other	ADJ
cblr-3007	115	4	hand	hand	NOUN
cblr-3007	115	5	,	,	PUNCT
cblr-3007	115	6	evaluating	evaluate	VERB
cblr-3007	115	7	the	the	DET
cblr-3007	115	8	potential	potential	ADJ
cblr-3007	115	9	error	error	NOUN
cblr-3007	115	10	costs	cost	NOUN
cblr-3007	115	11	of	of	ADP
cblr-3007	115	12	a	a	DET
cblr-3007	115	13	proposal	proposal	NOUN
cblr-3007	115	14	leads	lead	VERB
cblr-3007	115	15	one	one	NUM
cblr-3007	115	16	to	to	PART
cblr-3007	115	17	favor	favor	VERB
cblr-3007	115	18	the	the	DET
cblr-3007	115	19	status	status	NOUN
cblr-3007	115	20	quo	quo	NOUN
cblr-3007	115	21	even	even	ADV
cblr-3007	115	22	more	more	ADV
cblr-3007	115	23	than	than	ADP
cblr-3007	115	24	evaluating	evaluate	VERB
cblr-3007	115	25	the	the	DET
cblr-3007	115	26	potential	potential	ADJ
cblr-3007	115	27	administrative	administrative	ADJ
cblr-3007	115	28	costs	cost	NOUN
cblr-3007	115	29	.	.	PUNCT
cblr-3007	116	1	the	the	DET
cblr-3007	116	2	success	success	NOUN
cblr-3007	116	3	of	of	ADP
cblr-3007	116	4	a	a	DET
cblr-3007	116	5	proposal	proposal	NOUN
cblr-3007	116	6	depends	depend	VERB
cblr-3007	116	7	critically	critically	ADV
cblr-3007	116	8	on	on	ADP
cblr-3007	116	9	whether	whether	SCONJ
cblr-3007	116	10	its	its	PRON
cblr-3007	116	11	ultimate	ultimate	ADJ
cblr-3007	116	12	design	design	NOUN
cblr-3007	116	13	takes	take	VERB
cblr-3007	116	14	into	into	ADP
cblr-3007	116	15	account	account	NOUN
cblr-3007	116	16	all	all	PRON
cblr-3007	116	17	of	of	ADP
cblr-3007	116	18	the	the	DET
cblr-3007	116	19	relevant	relevant	ADJ
cblr-3007	116	20	variables	variable	NOUN
cblr-3007	116	21	.	.	PUNCT
cblr-3007	117	1	that	that	DET
cblr-3007	117	2	task	task	NOUN
cblr-3007	117	3	is	be	AUX
cblr-3007	117	4	not	not	PART
cblr-3007	117	5	easy	easy	ADJ
cblr-3007	117	6	to	to	PART
cblr-3007	117	7	discharge	discharge	VERB
cblr-3007	117	8	because	because	SCONJ
cblr-3007	117	9	any	any	DET
cblr-3007	117	10	proposed	propose	VERB
cblr-3007	117	11	regulation	regulation	NOUN
cblr-3007	117	12	,	,	PUNCT
cblr-3007	117	13	regardless	regardless	ADV
cblr-3007	117	14	of	of	ADP
cblr-3007	117	15	its	its	PRON
cblr-3007	117	16	superficial	superficial	ADJ
cblr-3007	117	17	simplicity	simplicity	NOUN
cblr-3007	117	18	,	,	PUNCT
cblr-3007	117	19	will	will	AUX
cblr-3007	117	20	have	have	VERB
cblr-3007	117	21	ripple	ripple	ADJ
cblr-3007	117	22	effects	effect	NOUN
cblr-3007	117	23	on	on	ADP
cblr-3007	117	24	multiple	multiple	ADJ
cblr-3007	117	25	margins	margin	NOUN
cblr-3007	117	26	.	.	PUNCT
cblr-3007	118	1	more	more	ADV
cblr-3007	118	2	concretely	concretely	ADV
cblr-3007	118	3	,	,	PUNCT
cblr-3007	118	4	any	any	DET
cblr-3007	118	5	regulatory	regulatory	ADJ
cblr-3007	118	6	initiative	initiative	NOUN
cblr-3007	118	7	could	could	AUX
cblr-3007	118	8	be	be	AUX
cblr-3007	118	9	said	say	VERB
cblr-3007	118	10	to	to	PART
cblr-3007	118	11	promise	promise	VERB
cblr-3007	118	12	some	some	DET
cblr-3007	118	13	form	form	NOUN
cblr-3007	118	14	of	of	ADP
cblr-3007	118	15	social	social	ADJ
cblr-3007	118	16	gain	gain	NOUN
cblr-3007	118	17	if	if	SCONJ
cblr-3007	118	18	the	the	DET
cblr-3007	118	19	only	only	ADJ
cblr-3007	118	20	consequences	consequence	NOUN
cblr-3007	118	21	that	that	PRON
cblr-3007	118	22	mattered	matter	VERB
cblr-3007	118	23	were	be	AUX
cblr-3007	118	24	those	those	PRON
cblr-3007	118	25	that	that	PRON
cblr-3007	118	26	fell	fall	VERB
cblr-3007	118	27	within	within	ADP
cblr-3007	118	28	the	the	DET
cblr-3007	118	29	terms	term	NOUN
cblr-3007	118	30	of	of	ADP
cblr-3007	118	31	reference	reference	NOUN
cblr-3007	118	32	in	in	ADP
cblr-3007	118	33	the	the	DET
cblr-3007	118	34	original	original	ADJ
cblr-3007	118	35	study	study	NOUN
cblr-3007	118	36	.	.	PUNCT
cblr-3007	119	1	but	but	CCONJ
cblr-3007	119	2	it	it	PRON
cblr-3007	119	3	is	be	AUX
cblr-3007	119	4	one	one	NUM
cblr-3007	119	5	thing	thing	NOUN
cblr-3007	119	6	for	for	ADP
cblr-3007	119	7	regulatory	regulatory	ADJ
cblr-3007	119	8	review	review	NOUN
cblr-3007	119	9	to	to	PART
cblr-3007	119	10	consider	consider	VERB
cblr-3007	119	11	a	a	DET
cblr-3007	119	12	limited	limited	ADJ
cblr-3007	119	13	set	set	NOUN
cblr-3007	119	14	of	of	ADP
cblr-3007	119	15	consequences	consequence	NOUN
cblr-3007	119	16	;	;	PUNCT
cblr-3007	119	17	it	it	PRON
cblr-3007	119	18	is	be	AUX
cblr-3007	119	19	quite	quite	DET
cblr-3007	119	20	another	another	PRON
cblr-3007	119	21	to	to	PART
cblr-3007	119	22	be	be	AUX
cblr-3007	119	23	confident	confident	ADJ
cblr-3007	119	24	that	that	SCONJ
cblr-3007	119	25	the	the	DET
cblr-3007	119	26	regulator	regulator	NOUN
cblr-3007	119	27	has	have	AUX
cblr-3007	119	28	included	include	VERB
cblr-3007	119	29	within	within	ADP
cblr-3007	119	30	the	the	DET
cblr-3007	119	31	frame	frame	NOUN
cblr-3007	119	32	of	of	ADP
cblr-3007	119	33	reference	reference	NOUN
cblr-3007	119	34	all	all	PRON
cblr-3007	119	35	of	of	ADP
cblr-3007	119	36	the	the	DET
cblr-3007	119	37	economic	economic	ADJ
cblr-3007	119	38	consequences	consequence	NOUN
cblr-3007	119	39	that	that	PRON
cblr-3007	119	40	matter	matter	VERB
cblr-3007	119	41	.	.	PUNCT
cblr-3007	120	1	as	as	SCONJ
cblr-3007	120	2	i	i	PRON
cblr-3007	120	3	will	will	AUX
cblr-3007	120	4	explain	explain	VERB
cblr-3007	120	5	,	,	PUNCT
cblr-3007	120	6	one	one	NUM
cblr-3007	120	7	key	key	ADJ
cblr-3007	120	8	margin	margin	NOUN
cblr-3007	120	9	on	on	ADP
cblr-3007	120	10	which	which	PRON
cblr-3007	120	11	the	the	DET
cblr-3007	120	12	rba	rba	NOUN
cblr-3007	120	13	's	's	PART
cblr-3007	120	14	proposal	proposal	NOUN
cblr-3007	120	15	should	should	AUX
cblr-3007	120	16	be	be	AUX
cblr-3007	120	17	evaluated	evaluate	VERB
cblr-3007	120	18	is	be	AUX
cblr-3007	120	19	its	its	PRON
cblr-3007	120	20	impact	impact	NOUN
cblr-3007	120	21	on	on	ADP
cblr-3007	120	22	the	the	DET
cblr-3007	120	23	competitive	competitive	ADJ
cblr-3007	120	24	balance	balance	NOUN
cblr-3007	120	25	between	between	ADP
cblr-3007	120	26	open	open	ADJ
cblr-3007	120	27	and	and	CCONJ
cblr-3007	120	28	closed	closed	ADJ
cblr-3007	120	29	systems	system	NOUN
cblr-3007	120	30	,	,	PUNCT
cblr-3007	120	31	which	which	PRON
cblr-3007	120	32	the	the	DET
cblr-3007	120	33	rba	rba	NOUN
cblr-3007	120	34	has	have	AUX
cblr-3007	120	35	systematically	systematically	ADV
cblr-3007	120	36	and	and	CCONJ
cblr-3007	120	37	incorrectly	incorrectly	ADV
cblr-3007	120	38	refused	refuse	VERB
cblr-3007	120	39	to	to	PART
cblr-3007	120	40	undertake	undertake	VERB
cblr-3007	120	41	.	.	PUNCT
cblr-3007	121	1	in	in	ADP
cblr-3007	121	2	conventional	conventional	ADJ
cblr-3007	121	3	academic	academic	ADJ
cblr-3007	121	4	terms	term	NOUN
cblr-3007	121	5	,	,	PUNCT
cblr-3007	121	6	the	the	DET
cblr-3007	121	7	basic	basic	ADJ
cblr-3007	121	8	challenge	challenge	NOUN
cblr-3007	121	9	of	of	ADP
cblr-3007	121	10	evaluating	evaluate	VERB
cblr-3007	121	11	regulatory	regulatory	ADJ
cblr-3007	121	12	reform	reform	NOUN
cblr-3007	121	13	requires	require	VERB
cblr-3007	121	14	a	a	DET
cblr-3007	121	15	close	close	ADJ
cblr-3007	121	16	look	look	NOUN
cblr-3007	121	17	at	at	ADP
cblr-3007	121	18	the	the	DET
cblr-3007	121	19	persistent	persistent	ADJ
cblr-3007	121	20	tradeoff	tradeoff	NOUN
cblr-3007	121	21	between	between	ADP
cblr-3007	121	22	validity	validity	NOUN
cblr-3007	121	23	and	and	CCONJ
cblr-3007	121	24	reliability	reliability	NOUN
cblr-3007	121	25	.	.	PUNCT
cblr-3007	122	1	the	the	DET
cblr-3007	122	2	study	study	NOUN
cblr-3007	122	3	with	with	ADP
cblr-3007	122	4	the	the	DET
cblr-3007	122	5	greatest	great	ADJ
cblr-3007	122	6	validity	validity	NOUN
cblr-3007	122	7	seeks	seek	VERB
cblr-3007	122	8	to	to	PART
cblr-3007	122	9	examine	examine	VERB
cblr-3007	122	10	the	the	DET
cblr-3007	122	11	impact	impact	NOUN
cblr-3007	122	12	of	of	ADP
cblr-3007	122	13	a	a	DET
cblr-3007	122	14	regulation	regulation	NOUN
cblr-3007	122	15	along	along	ADP
cblr-3007	122	16	as	as	ADV
cblr-3007	122	17	many	many	ADJ
cblr-3007	122	18	margins	margin	NOUN
cblr-3007	122	19	as	as	ADP
cblr-3007	122	20	possible	possible	ADJ
cblr-3007	122	21	.	.	PUNCT
cblr-3007	123	1	for	for	ADP
cblr-3007	123	2	example	example	NOUN
cblr-3007	123	3	,	,	PUNCT
cblr-3007	123	4	a	a	DET
cblr-3007	123	5	study	study	NOUN
cblr-3007	123	6	of	of	ADP
cblr-3007	123	7	the	the	DET
cblr-3007	123	8	minimum	minimum	ADJ
cblr-3007	123	9	wage	wage	NOUN
cblr-3007	123	10	law	law	NOUN
cblr-3007	123	11	would	would	AUX
cblr-3007	123	12	be	be	AUX
cblr-3007	123	13	insufficient	insufficient	ADJ
cblr-3007	123	14	if	if	SCONJ
cblr-3007	123	15	it	it	PRON
cblr-3007	123	16	only	only	ADV
cblr-3007	123	17	considered	consider	VERB
cblr-3007	123	18	possible	possible	ADJ
cblr-3007	123	19	short	short	ADJ
cblr-3007	123	20	-	-	PUNCT
cblr-3007	123	21	term	term	NOUN
cblr-3007	123	22	decreases	decrease	NOUN
cblr-3007	123	23	in	in	ADP
cblr-3007	123	24	employment	employment	NOUN
cblr-3007	123	25	levels	level	NOUN
cblr-3007	123	26	.	.	PUNCT
cblr-3007	124	1	it	it	PRON
cblr-3007	124	2	would	would	AUX
cblr-3007	124	3	also	also	ADV
cblr-3007	124	4	be	be	AUX
cblr-3007	124	5	necessary	necessary	ADJ
cblr-3007	124	6	for	for	SCONJ
cblr-3007	124	7	the	the	DET
cblr-3007	124	8	study	study	NOUN
cblr-3007	124	9	to	to	PART
cblr-3007	124	10	contemplate	contemplate	VERB
cblr-3007	124	11	the	the	DET
cblr-3007	124	12	impact	impact	NOUN
cblr-3007	124	13	on	on	ADP
cblr-3007	124	14	other	other	ADJ
cblr-3007	124	15	terms	term	NOUN
cblr-3007	124	16	of	of	ADP
cblr-3007	124	17	the	the	DET
cblr-3007	124	18	employment	employment	NOUN
cblr-3007	124	19	relationship	relationship	NOUN
cblr-3007	124	20	,	,	PUNCT
cblr-3007	124	21	including	include	VERB
cblr-3007	124	22	shift	shift	NOUN
cblr-3007	124	23	lengths	length	NOUN
cblr-3007	124	24	and	and	CCONJ
cblr-3007	124	25	the	the	DET
cblr-3007	124	26	12	12	NUM
cblr-3007	124	27	see	see	NOUN
cblr-3007	124	28	reserve	reserve	PROPN
cblr-3007	124	29	bank	bank	PROPN
cblr-3007	124	30	of	of	ADP
cblr-3007	124	31	australia	australia	PROPN
cblr-3007	124	32	,	,	PUNCT
cblr-3007	124	33	supra	supra	PROPN
cblr-3007	124	34	note	note	NOUN
cblr-3007	124	35	8	8	NUM
cblr-3007	124	36	.	.	PUNCT
cblr-3007	125	1	i	i	PRON
cblr-3007	125	2	do	do	AUX
cblr-3007	125	3	not	not	PART
cblr-3007	125	4	know	know	VERB
cblr-3007	125	5	of	of	ADP
cblr-3007	125	6	any	any	DET
cblr-3007	125	7	effort	effort	NOUN
cblr-3007	125	8	to	to	PART
cblr-3007	125	9	sum	sum	VERB
cblr-3007	125	10	the	the	DET
cblr-3007	125	11	costs	cost	NOUN
cblr-3007	125	12	of	of	ADP
cblr-3007	125	13	these	these	DET
cblr-3007	125	14	various	various	ADJ
cblr-3007	125	15	efforts	effort	NOUN
cblr-3007	125	16	.	.	PUNCT
cblr-3007	126	1	no	no	INTJ
cblr-3007	126	2	.	.	NOUN
cblr-3007	127	1	3:551	3:551	NUM
cblr-3007	127	2	)	)	PUNCT
cblr-3007	127	3	amount	amount	NOUN
cblr-3007	127	4	of	of	ADP
cblr-3007	127	5	training	training	NOUN
cblr-3007	127	6	.	.	PUNCT
cblr-3007	128	1	even	even	ADV
cblr-3007	128	2	a	a	DET
cblr-3007	128	3	study	study	NOUN
cblr-3007	128	4	that	that	PRON
cblr-3007	128	5	considered	consider	VERB
cblr-3007	128	6	these	these	DET
cblr-3007	128	7	additional	additional	ADJ
cblr-3007	128	8	facets	facet	NOUN
cblr-3007	128	9	of	of	ADP
cblr-3007	128	10	the	the	DET
cblr-3007	128	11	problem	problem	NOUN
cblr-3007	128	12	would	would	AUX
cblr-3007	128	13	be	be	AUX
cblr-3007	128	14	incomplete	incomplete	ADJ
cblr-3007	128	15	if	if	SCONJ
cblr-3007	128	16	it	it	PRON
cblr-3007	128	17	did	do	AUX
cblr-3007	128	18	not	not	PART
cblr-3007	128	19	also	also	ADV
cblr-3007	128	20	consider	consider	VERB
cblr-3007	128	21	the	the	DET
cblr-3007	128	22	impact	impact	NOUN
cblr-3007	128	23	on	on	ADP
cblr-3007	128	24	the	the	DET
cblr-3007	128	25	level	level	NOUN
cblr-3007	128	26	of	of	ADP
cblr-3007	128	27	capital	capital	NOUN
cblr-3007	128	28	improvements	improvement	NOUN
cblr-3007	128	29	undertaken	undertake	VERB
cblr-3007	128	30	,	,	PUNCT
cblr-3007	128	31	the	the	DET
cblr-3007	128	32	educational	educational	ADJ
cblr-3007	128	33	efforts	effort	NOUN
cblr-3007	128	34	of	of	ADP
cblr-3007	128	35	low	low	ADJ
cblr-3007	128	36	income	income	NOUN
cblr-3007	128	37	workers	worker	NOUN
cblr-3007	128	38	,	,	PUNCT
cblr-3007	128	39	the	the	DET
cblr-3007	128	40	relative	relative	ADJ
cblr-3007	128	41	wages	wage	NOUN
cblr-3007	128	42	of	of	ADP
cblr-3007	128	43	workers	worker	NOUN
cblr-3007	128	44	in	in	ADP
cblr-3007	128	45	the	the	DET
cblr-3007	128	46	middle	middle	NOUN
cblr-3007	128	47	of	of	ADP
cblr-3007	128	48	the	the	DET
cblr-3007	128	49	wage	wage	NOUN
cblr-3007	128	50	pyramid	pyramid	NOUN
cblr-3007	128	51	,	,	PUNCT
cblr-3007	128	52	and	and	CCONJ
cblr-3007	128	53	so	so	ADV
cblr-3007	128	54	forth	forth	ADV
cblr-3007	128	55	.	.	PUNCT
cblr-3007	129	1	but	but	CCONJ
cblr-3007	129	2	the	the	DET
cblr-3007	129	3	further	far	ADV
cblr-3007	129	4	the	the	DET
cblr-3007	129	5	range	range	NOUN
cblr-3007	129	6	expands	expand	VERB
cblr-3007	129	7	,	,	PUNCT
cblr-3007	129	8	the	the	PRON
cblr-3007	129	9	more	more	ADV
cblr-3007	129	10	difficult	difficult	ADJ
cblr-3007	129	11	it	it	PRON
cblr-3007	129	12	is	be	AUX
cblr-3007	129	13	to	to	PART
cblr-3007	129	14	control	control	VERB
cblr-3007	129	15	for	for	ADP
cblr-3007	129	16	the	the	DET
cblr-3007	129	17	relevant	relevant	ADJ
cblr-3007	129	18	variables	variable	NOUN
cblr-3007	129	19	,	,	PUNCT
cblr-3007	129	20	and	and	CCONJ
cblr-3007	129	21	the	the	DET
cblr-3007	129	22	reliability	reliability	NOUN
cblr-3007	129	23	of	of	ADP
cblr-3007	129	24	the	the	DET
cblr-3007	129	25	conclusions	conclusion	NOUN
cblr-3007	129	26	is	be	AUX
cblr-3007	129	27	compromised	compromise	VERB
cblr-3007	129	28	as	as	SCONJ
cblr-3007	129	29	the	the	DET
cblr-3007	129	30	set	set	NOUN
cblr-3007	129	31	of	of	ADP
cblr-3007	129	32	relevant	relevant	ADJ
cblr-3007	129	33	considerations	consideration	NOUN
cblr-3007	129	34	expands	expand	VERB
cblr-3007	129	35	,	,	PUNCT
cblr-3007	129	36	seemingly	seemingly	ADV
cblr-3007	129	37	without	without	ADP
cblr-3007	129	38	limits	limit	NOUN
cblr-3007	129	39	.	.	PUNCT
cblr-3007	130	1	finding	find	VERB
cblr-3007	130	2	the	the	DET
cblr-3007	130	3	golden	golden	ADJ
cblr-3007	130	4	mean	mean	NOUN
cblr-3007	130	5	between	between	ADP
cblr-3007	130	6	the	the	DET
cblr-3007	130	7	two	two	NUM
cblr-3007	130	8	extremes	extreme	NOUN
cblr-3007	130	9	raises	raise	VERB
cblr-3007	130	10	a	a	DET
cblr-3007	130	11	persistent	persistent	ADJ
cblr-3007	130	12	methodological	methodological	ADJ
cblr-3007	130	13	problem	problem	NOUN
cblr-3007	130	14	that	that	PRON
cblr-3007	130	15	is	be	AUX
cblr-3007	130	16	easier	easy	ADJ
cblr-3007	130	17	to	to	PART
cblr-3007	130	18	state	state	VERB
cblr-3007	130	19	than	than	SCONJ
cblr-3007	130	20	to	to	PART
cblr-3007	130	21	resolve	resolve	VERB
cblr-3007	130	22	.	.	PUNCT
cblr-3007	131	1	while	while	SCONJ
cblr-3007	131	2	an	an	DET
cblr-3007	131	3	assessment	assessment	NOUN
cblr-3007	131	4	of	of	ADP
cblr-3007	131	5	the	the	DET
cblr-3007	131	6	minimum	minimum	ADJ
cblr-3007	131	7	wage	wage	NOUN
cblr-3007	131	8	law	law	NOUN
cblr-3007	131	9	is	be	AUX
cblr-3007	131	10	more	more	ADV
cblr-3007	131	11	complex	complex	ADJ
cblr-3007	131	12	than	than	ADP
cblr-3007	131	13	an	an	DET
cblr-3007	131	14	assessment	assessment	NOUN
cblr-3007	131	15	of	of	ADP
cblr-3007	131	16	many	many	ADJ
cblr-3007	131	17	regulations	regulation	NOUN
cblr-3007	131	18	governing	govern	VERB
cblr-3007	131	19	the	the	DET
cblr-3007	131	20	credit	credit	NOUN
cblr-3007	131	21	markets	market	NOUN
cblr-3007	131	22	(	(	PUNCT
cblr-3007	131	23	e.g.	e.g.	ADV
cblr-3007	131	24	,	,	PUNCT
cblr-3007	131	25	what	what	PRON
cblr-3007	131	26	counts	count	VERB
cblr-3007	131	27	as	as	ADP
cblr-3007	131	28	an	an	DET
cblr-3007	131	29	"	"	PUNCT
cblr-3007	131	30	hour	hour	NOUN
cblr-3007	131	31	"	"	PUNCT
cblr-3007	131	32	is	be	AUX
cblr-3007	131	33	only	only	ADV
cblr-3007	131	34	one	one	NUM
cblr-3007	131	35	of	of	ADP
cblr-3007	131	36	many	many	ADJ
cblr-3007	131	37	issues	issue	NOUN
cblr-3007	131	38	to	to	PART
cblr-3007	131	39	be	be	AUX
cblr-3007	131	40	faced	face	VERB
cblr-3007	131	41	)	)	PUNCT
cblr-3007	131	42	,	,	PUNCT
cblr-3007	131	43	this	this	DET
cblr-3007	131	44	example	example	NOUN
cblr-3007	131	45	illustrates	illustrate	VERB
cblr-3007	131	46	the	the	DET
cblr-3007	131	47	necessity	necessity	NOUN
cblr-3007	131	48	of	of	ADP
cblr-3007	131	49	considering	consider	VERB
cblr-3007	131	50	all	all	DET
cblr-3007	131	51	aspects	aspect	NOUN
cblr-3007	131	52	of	of	ADP
cblr-3007	131	53	that	that	DET
cblr-3007	131	54	problem	problem	NOUN
cblr-3007	131	55	before	before	ADP
cblr-3007	131	56	making	make	VERB
cblr-3007	131	57	any	any	DET
cblr-3007	131	58	empirical	empirical	ADJ
cblr-3007	131	59	judgments	judgment	NOUN
cblr-3007	131	60	.	.	PUNCT
cblr-3007	132	1	defining	define	VERB
cblr-3007	132	2	the	the	DET
cblr-3007	132	3	proper	proper	ADJ
cblr-3007	132	4	scope	scope	NOUN
cblr-3007	132	5	for	for	ADP
cblr-3007	132	6	assessing	assess	VERB
cblr-3007	132	7	the	the	DET
cblr-3007	132	8	likely	likely	ADJ
cblr-3007	132	9	consequences	consequence	NOUN
cblr-3007	132	10	of	of	ADP
cblr-3007	132	11	regulation	regulation	NOUN
cblr-3007	132	12	is	be	AUX
cblr-3007	132	13	also	also	ADV
cblr-3007	132	14	difficult	difficult	ADJ
cblr-3007	132	15	.	.	PUNCT
cblr-3007	133	1	the	the	PRON
cblr-3007	133	2	wider	wide	ADJ
cblr-3007	133	3	the	the	DET
cblr-3007	133	4	net	net	NOUN
cblr-3007	133	5	is	be	AUX
cblr-3007	133	6	cast	cast	VERB
cblr-3007	133	7	,	,	PUNCT
cblr-3007	133	8	the	the	PRON
cblr-3007	133	9	more	more	ADV
cblr-3007	133	10	complete	complete	ADJ
cblr-3007	133	11	the	the	DET
cblr-3007	133	12	analysis	analysis	NOUN
cblr-3007	133	13	,	,	PUNCT
cblr-3007	133	14	but	but	CCONJ
cblr-3007	133	15	the	the	DET
cblr-3007	133	16	less	less	ADV
cblr-3007	133	17	reliable	reliable	ADJ
cblr-3007	133	18	the	the	DET
cblr-3007	133	19	data	datum	NOUN
cblr-3007	133	20	.	.	PUNCT
cblr-3007	134	1	nothing	nothing	PRON
cblr-3007	134	2	guarantees	guarantee	VERB
cblr-3007	134	3	that	that	SCONJ
cblr-3007	134	4	we	we	PRON
cblr-3007	134	5	can	can	AUX
cblr-3007	134	6	find	find	VERB
cblr-3007	134	7	some	some	DET
cblr-3007	134	8	combination	combination	NOUN
cblr-3007	134	9	of	of	ADP
cblr-3007	134	10	breadth	breadth	NOUN
cblr-3007	134	11	and	and	CCONJ
cblr-3007	134	12	concreteness	concreteness	NOUN
cblr-3007	134	13	that	that	PRON
cblr-3007	134	14	makes	make	VERB
cblr-3007	134	15	the	the	DET
cblr-3007	134	16	enterprise	enterprise	NOUN
cblr-3007	134	17	worth	worth	ADJ
cblr-3007	134	18	undertaking	undertake	VERB
cblr-3007	134	19	.	.	PUNCT
cblr-3007	135	1	on	on	ADP
cblr-3007	135	2	the	the	DET
cblr-3007	135	3	one	one	NUM
cblr-3007	135	4	hand	hand	NOUN
cblr-3007	135	5	,	,	PUNCT
cblr-3007	135	6	the	the	DET
cblr-3007	135	7	task	task	NOUN
cblr-3007	135	8	of	of	ADP
cblr-3007	135	9	policymaking	policymaking	NOUN
cblr-3007	135	10	becomes	become	VERB
cblr-3007	135	11	ever	ever	ADV
cblr-3007	135	12	more	more	ADV
cblr-3007	135	13	complicated	complicated	ADJ
cblr-3007	135	14	.	.	PUNCT
cblr-3007	136	1	on	on	ADP
cblr-3007	136	2	the	the	DET
cblr-3007	136	3	other	other	ADJ
cblr-3007	136	4	,	,	PUNCT
cblr-3007	136	5	reliance	reliance	NOUN
cblr-3007	136	6	on	on	ADP
cblr-3007	136	7	simple	simple	ADJ
cblr-3007	136	8	solutions	solution	NOUN
cblr-3007	136	9	with	with	ADP
cblr-3007	136	10	low	low	ADJ
cblr-3007	136	11	administrative	administrative	ADJ
cblr-3007	136	12	cost	cost	NOUN
cblr-3007	136	13	rightly	rightly	ADV
cblr-3007	136	14	becomes	become	VERB
cblr-3007	136	15	the	the	DET
cblr-3007	136	16	implicit	implicit	ADJ
cblr-3007	136	17	default	default	NOUN
cblr-3007	136	18	position	position	NOUN
cblr-3007	136	19	,	,	PUNCT
cblr-3007	136	20	especially	especially	ADV
cblr-3007	136	21	when	when	SCONJ
cblr-3007	136	22	efforts	effort	NOUN
cblr-3007	136	23	are	be	AUX
cblr-3007	136	24	made	make	VERB
cblr-3007	136	25	to	to	PART
cblr-3007	136	26	override	override	VERB
cblr-3007	136	27	consensual	consensual	ADJ
cblr-3007	136	28	arrangements	arrangement	NOUN
cblr-3007	136	29	.	.	PUNCT
cblr-3007	137	1	one	one	NUM
cblr-3007	137	2	minimum	minimum	ADJ
cblr-3007	137	3	condition	condition	NOUN
cblr-3007	137	4	for	for	ADP
cblr-3007	137	5	this	this	DET
cblr-3007	137	6	regulatory	regulatory	ADJ
cblr-3007	137	7	effort	effort	NOUN
cblr-3007	137	8	is	be	AUX
cblr-3007	137	9	to	to	PART
cblr-3007	137	10	set	set	VERB
cblr-3007	137	11	a	a	DET
cblr-3007	137	12	legislative	legislative	ADJ
cblr-3007	137	13	frame	frame	NOUN
cblr-3007	137	14	of	of	ADP
cblr-3007	137	15	reference	reference	NOUN
cblr-3007	137	16	that	that	PRON
cblr-3007	137	17	considers	consider	VERB
cblr-3007	137	18	the	the	DET
cblr-3007	137	19	position	position	NOUN
cblr-3007	137	20	of	of	ADP
cblr-3007	137	21	all	all	DET
cblr-3007	137	22	competitors	competitor	NOUN
cblr-3007	137	23	within	within	ADP
cblr-3007	137	24	the	the	DET
cblr-3007	137	25	same	same	ADJ
cblr-3007	137	26	overall	overall	ADJ
cblr-3007	137	27	market	market	NOUN
cblr-3007	137	28	niche	niche	NOUN
cblr-3007	137	29	.	.	PUNCT
cblr-3007	138	1	that	that	PRON
cblr-3007	138	2	was	be	AUX
cblr-3007	138	3	not	not	PART
cblr-3007	138	4	done	do	VERB
cblr-3007	138	5	in	in	ADP
cblr-3007	138	6	this	this	DET
cblr-3007	138	7	instance	instance	NOUN
cblr-3007	138	8	,	,	PUNCT
cblr-3007	138	9	given	give	VERB
cblr-3007	138	10	the	the	DET
cblr-3007	138	11	rba	rba	NOUN
cblr-3007	138	12	's	's	PART
cblr-3007	138	13	decision	decision	NOUN
cblr-3007	138	14	to	to	PART
cblr-3007	138	15	refrain	refrain	VERB
cblr-3007	138	16	from	from	ADP
cblr-3007	138	17	regulating	regulate	VERB
cblr-3007	138	18	merchant	merchant	NOUN
cblr-3007	138	19	discounts	discount	NOUN
cblr-3007	138	20	within	within	ADP
cblr-3007	138	21	the	the	DET
cblr-3007	138	22	closed	closed	ADJ
cblr-3007	138	23	systems	system	NOUN
cblr-3007	138	24	of	of	ADP
cblr-3007	138	25	american	american	PROPN
cblr-3007	138	26	express	express	PROPN
cblr-3007	138	27	and	and	CCONJ
cblr-3007	138	28	diners	diner	NOUN
cblr-3007	138	29	club	club	NOUN
cblr-3007	138	30	.	.	PUNCT
cblr-3007	139	1	in	in	ADP
cblr-3007	139	2	effect	effect	NOUN
cblr-3007	139	3	,	,	PUNCT
cblr-3007	139	4	the	the	DET
cblr-3007	139	5	rba	rba	NOUN
cblr-3007	139	6	relied	rely	VERB
cblr-3007	139	7	on	on	ADP
cblr-3007	139	8	a	a	DET
cblr-3007	139	9	partial	partial	ADJ
cblr-3007	139	10	equilibrium	equilibrium	NOUN
cblr-3007	139	11	analysis	analysis	NOUN
cblr-3007	139	12	with	with	ADP
cblr-3007	139	13	a	a	DET
cblr-3007	139	14	big	big	ADJ
cblr-3007	139	15	piece	piece	NOUN
cblr-3007	139	16	missing	miss	VERB
cblr-3007	139	17	,	,	PUNCT
cblr-3007	139	18	namely	namely	ADV
cblr-3007	139	19	the	the	DET
cblr-3007	139	20	operation	operation	NOUN
cblr-3007	139	21	of	of	ADP
cblr-3007	139	22	the	the	DET
cblr-3007	139	23	direct	direct	ADJ
cblr-3007	139	24	competitors	competitor	NOUN
cblr-3007	139	25	of	of	ADP
cblr-3007	139	26	the	the	DET
cblr-3007	139	27	regulated	regulated	ADJ
cblr-3007	139	28	parties	party	NOUN
cblr-3007	139	29	.	.	PUNCT
cblr-3007	140	1	if	if	SCONJ
cblr-3007	140	2	the	the	DET
cblr-3007	140	3	rba	rba	NOUN
cblr-3007	140	4	had	have	AUX
cblr-3007	140	5	performed	perform	VERB
cblr-3007	140	6	a	a	DET
cblr-3007	140	7	general	general	ADJ
cblr-3007	140	8	equilibrium	equilibrium	NOUN
cblr-3007	140	9	analysis	analysis	NOUN
cblr-3007	140	10	,	,	PUNCT
cblr-3007	140	11	it	it	PRON
cblr-3007	140	12	would	would	AUX
cblr-3007	140	13	have	have	AUX
cblr-3007	140	14	recognized	recognize	VERB
cblr-3007	140	15	that	that	SCONJ
cblr-3007	140	16	the	the	DET
cblr-3007	140	17	different	different	ADJ
cblr-3007	140	18	forms	form	NOUN
cblr-3007	140	19	of	of	ADP
cblr-3007	140	20	payment	payment	NOUN
cblr-3007	140	21	mechanisms	mechanism	NOUN
cblr-3007	140	22	operate	operate	VERB
cblr-3007	140	23	at	at	ADP
cblr-3007	140	24	some	some	DET
cblr-3007	140	25	col	col	PROPN
cblr-3007	140	26	umbia	umbia	PROPN
cblr-3007	140	27	b	b	PROPN
cblr-3007	141	1	usiness	usiness	PROPN
cblr-3007	141	2	la	la	PROPN
cblr-3007	141	3	w	w	PROPN
cblr-3007	141	4	re	re	PROPN
cblr-3007	141	5	vie	vie	PROPN
cblr-3007	141	6	w	w	PROPN
cblr-3007	141	7	(	(	PUNCT
cblr-3007	141	8	vol	vol	NOUN
cblr-3007	141	9	.	.	PUNCT
cblr-3007	141	10	2005	2005	NUM
cblr-3007	141	11	the	the	DET
cblr-3007	141	12	regulation	regulation	NOUN
cblr-3007	141	13	of	of	ADP
cblr-3007	141	14	interchange	interchange	NOUN
cblr-3007	141	15	fees	fee	NOUN
cblr-3007	141	16	level	level	NOUN
cblr-3007	141	17	of	of	ADP
cblr-3007	141	18	(	(	PUNCT
cblr-3007	141	19	imperfect	imperfect	ADJ
cblr-3007	141	20	)	)	PUNCT
cblr-3007	141	21	competition	competition	NOUN
cblr-3007	141	22	with	with	ADP
cblr-3007	141	23	each	each	DET
cblr-3007	141	24	other	other	ADJ
cblr-3007	141	25	.	.	PUNCT
cblr-3007	142	1	such	such	ADJ
cblr-3007	142	2	omissions	omission	NOUN
cblr-3007	142	3	need	need	AUX
cblr-3007	142	4	not	not	PART
cblr-3007	142	5	be	be	AUX
cblr-3007	142	6	fatal	fatal	ADJ
cblr-3007	142	7	,	,	PUNCT
cblr-3007	142	8	but	but	CCONJ
cblr-3007	142	9	in	in	ADP
cblr-3007	142	10	most	most	ADJ
cblr-3007	142	11	cases	case	NOUN
cblr-3007	142	12	they	they	PRON
cblr-3007	142	13	are	be	AUX
cblr-3007	142	14	likely	likely	ADJ
cblr-3007	142	15	to	to	PART
cblr-3007	142	16	seriously	seriously	ADV
cblr-3007	142	17	skew	skew	VERB
cblr-3007	142	18	the	the	DET
cblr-3007	142	19	study	study	NOUN
cblr-3007	142	20	of	of	ADP
cblr-3007	142	21	a	a	DET
cblr-3007	142	22	regulation	regulation	NOUN
cblr-3007	142	23	whose	whose	DET
cblr-3007	142	24	upside	upside	ADJ
cblr-3007	142	25	potential	potential	NOUN
cblr-3007	142	26	is	be	AUX
cblr-3007	142	27	limited	limit	VERB
cblr-3007	142	28	by	by	ADP
cblr-3007	142	29	gains	gain	NOUN
cblr-3007	142	30	achievable	achievable	ADJ
cblr-3007	142	31	under	under	ADP
cblr-3007	142	32	the	the	DET
cblr-3007	142	33	present	present	ADJ
cblr-3007	142	34	consensual	consensual	ADJ
cblr-3007	142	35	and	and	CCONJ
cblr-3007	142	36	durable	durable	ADJ
cblr-3007	142	37	relationship	relationship	NOUN
cblr-3007	142	38	.	.	PUNCT
cblr-3007	143	1	in	in	ADP
cblr-3007	143	2	this	this	DET
cblr-3007	143	3	environment	environment	NOUN
cblr-3007	143	4	,	,	PUNCT
cblr-3007	143	5	poorly	poorly	ADV
cblr-3007	143	6	considered	consider	VERB
cblr-3007	143	7	proposals	proposal	NOUN
cblr-3007	143	8	are	be	AUX
cblr-3007	143	9	especially	especially	ADV
cblr-3007	143	10	improvident	improvident	ADJ
cblr-3007	143	11	because	because	SCONJ
cblr-3007	143	12	the	the	DET
cblr-3007	143	13	benefits	benefit	NOUN
cblr-3007	143	14	of	of	ADP
cblr-3007	143	15	a	a	DET
cblr-3007	143	16	program	program	NOUN
cblr-3007	143	17	must	must	AUX
cblr-3007	143	18	be	be	AUX
cblr-3007	143	19	large	large	ADJ
cblr-3007	143	20	enough	enough	ADV
cblr-3007	143	21	to	to	PART
cblr-3007	143	22	cover	cover	VERB
cblr-3007	143	23	both	both	CCONJ
cblr-3007	143	24	the	the	DET
cblr-3007	143	25	anticipated	anticipated	ADJ
cblr-3007	143	26	administrative	administrative	ADJ
cblr-3007	143	27	costs	cost	NOUN
cblr-3007	143	28	of	of	ADP
cblr-3007	143	29	the	the	DET
cblr-3007	143	30	system	system	NOUN
cblr-3007	143	31	and	and	CCONJ
cblr-3007	143	32	the	the	DET
cblr-3007	143	33	extensive	extensive	ADJ
cblr-3007	143	34	error	error	NOUN
cblr-3007	143	35	costs	cost	NOUN
cblr-3007	143	36	driven	drive	VERB
cblr-3007	143	37	by	by	ADP
cblr-3007	143	38	the	the	DET
cblr-3007	143	39	artificial	artificial	ADJ
cblr-3007	143	40	limitations	limitation	NOUN
cblr-3007	143	41	in	in	ADP
cblr-3007	143	42	the	the	DET
cblr-3007	143	43	study	study	NOUN
cblr-3007	143	44	's	's	PART
cblr-3007	143	45	initial	initial	ADJ
cblr-3007	143	46	frame	frame	NOUN
cblr-3007	143	47	of	of	ADP
cblr-3007	143	48	reference	reference	NOUN
cblr-3007	143	49	.	.	PUNCT
cblr-3007	144	1	these	these	DET
cblr-3007	144	2	general	general	ADJ
cblr-3007	144	3	remarks	remark	NOUN
cblr-3007	144	4	are	be	AUX
cblr-3007	144	5	not	not	PART
cblr-3007	144	6	confined	confine	VERB
cblr-3007	144	7	to	to	ADP
cblr-3007	144	8	intervention	intervention	NOUN
cblr-3007	144	9	in	in	ADP
cblr-3007	144	10	the	the	DET
cblr-3007	144	11	credit	credit	NOUN
cblr-3007	144	12	system	system	NOUN
cblr-3007	144	13	alone	alone	ADV
cblr-3007	144	14	,	,	PUNCT
cblr-3007	144	15	but	but	CCONJ
cblr-3007	144	16	reflect	reflect	VERB
cblr-3007	144	17	upon	upon	SCONJ
cblr-3007	144	18	the	the	DET
cblr-3007	144	19	broader	broad	ADJ
cblr-3007	144	20	purposes	purpose	NOUN
cblr-3007	144	21	of	of	ADP
cblr-3007	144	22	regulation	regulation	NOUN
cblr-3007	144	23	within	within	ADP
cblr-3007	144	24	the	the	DET
cblr-3007	144	25	financial	financial	ADJ
cblr-3007	144	26	markets	market	NOUN
cblr-3007	144	27	generally	generally	ADV
cblr-3007	144	28	.	.	PUNCT
cblr-3007	145	1	yet	yet	ADV
cblr-3007	145	2	before	before	ADP
cblr-3007	145	3	reaching	reach	VERB
cblr-3007	145	4	the	the	DET
cblr-3007	145	5	difficult	difficult	ADJ
cblr-3007	145	6	issues	issue	NOUN
cblr-3007	145	7	that	that	PRON
cblr-3007	145	8	the	the	DET
cblr-3007	145	9	rba	rba	NOUN
cblr-3007	145	10	faced	face	VERB
cblr-3007	145	11	here	here	ADV
cblr-3007	145	12	,	,	PUNCT
cblr-3007	145	13	it	it	PRON
cblr-3007	145	14	is	be	AUX
cblr-3007	145	15	necessary	necessary	ADJ
cblr-3007	145	16	briefly	briefly	ADV
cblr-3007	145	17	to	to	PART
cblr-3007	145	18	consider	consider	VERB
cblr-3007	145	19	two	two	NUM
cblr-3007	145	20	other	other	ADJ
cblr-3007	145	21	types	type	NOUN
cblr-3007	145	22	of	of	ADP
cblr-3007	145	23	regulation	regulation	NOUN
cblr-3007	145	24	.	.	PUNCT
cblr-3007	146	1	the	the	DET
cblr-3007	146	2	first	first	ADJ
cblr-3007	146	3	type	type	NOUN
cblr-3007	146	4	seeks	seek	VERB
cblr-3007	146	5	to	to	PART
cblr-3007	146	6	regulate	regulate	VERB
cblr-3007	146	7	overreaching	overreach	VERB
cblr-3007	146	8	and	and	CCONJ
cblr-3007	146	9	fraudulent	fraudulent	ADJ
cblr-3007	146	10	or	or	CCONJ
cblr-3007	146	11	misleading	misleading	ADJ
cblr-3007	146	12	behavior	behavior	NOUN
cblr-3007	146	13	in	in	ADP
cblr-3007	146	14	transactions	transaction	NOUN
cblr-3007	146	15	.	.	PUNCT
cblr-3007	147	1	these	these	DET
cblr-3007	147	2	risks	risk	NOUN
cblr-3007	147	3	are	be	AUX
cblr-3007	147	4	not	not	PART
cblr-3007	147	5	present	present	ADJ
cblr-3007	147	6	here	here	ADV
cblr-3007	147	7	.	.	PUNCT
cblr-3007	148	1	the	the	DET
cblr-3007	148	2	second	second	ADJ
cblr-3007	148	3	type	type	NOUN
cblr-3007	148	4	,	,	PUNCT
cblr-3007	148	5	which	which	PRON
cblr-3007	148	6	concentrates	concentrate	VERB
cblr-3007	148	7	on	on	ADP
cblr-3007	148	8	the	the	DET
cblr-3007	148	9	regulation	regulation	NOUN
cblr-3007	148	10	of	of	ADP
cblr-3007	148	11	cartels	cartel	NOUN
cblr-3007	148	12	and	and	CCONJ
cblr-3007	148	13	monopolies	monopoly	NOUN
cblr-3007	148	14	,	,	PUNCT
cblr-3007	148	15	is	be	AUX
cblr-3007	148	16	intended	intend	VERB
cblr-3007	148	17	to	to	PART
cblr-3007	148	18	prevent	prevent	VERB
cblr-3007	148	19	anticompetitive	anticompetitive	ADJ
cblr-3007	148	20	behavior	behavior	NOUN
cblr-3007	148	21	.	.	PUNCT
cblr-3007	149	1	this	this	DET
cblr-3007	149	2	risk	risk	NOUN
cblr-3007	149	3	is	be	AUX
cblr-3007	149	4	present	present	ADJ
cblr-3007	149	5	here	here	ADV
cblr-3007	149	6	only	only	ADV
cblr-3007	149	7	in	in	ADP
cblr-3007	149	8	an	an	DET
cblr-3007	149	9	attenuated	attenuate	VERB
cblr-3007	149	10	fashion	fashion	NOUN
cblr-3007	149	11	and	and	CCONJ
cblr-3007	149	12	is	be	AUX
cblr-3007	149	13	largely	largely	ADV
cblr-3007	149	14	inapplicable	inapplicable	ADJ
cblr-3007	149	15	to	to	ADP
cblr-3007	149	16	ratemaking	ratemake	VERB
cblr-3007	149	17	questions	question	NOUN
cblr-3007	149	18	.	.	PUNCT
cblr-3007	150	1	in	in	ADP
cblr-3007	150	2	light	light	NOUN
cblr-3007	150	3	of	of	ADP
cblr-3007	150	4	the	the	DET
cblr-3007	150	5	strong	strong	ADJ
cblr-3007	150	6	background	background	NOUN
cblr-3007	150	7	features	feature	VERB
cblr-3007	150	8	that	that	PRON
cblr-3007	150	9	exist	exist	VERB
cblr-3007	150	10	in	in	ADP
cblr-3007	150	11	the	the	DET
cblr-3007	150	12	payment	payment	NOUN
cblr-3007	150	13	card	card	NOUN
cblr-3007	150	14	system	system	NOUN
cblr-3007	150	15	,	,	PUNCT
cblr-3007	150	16	any	any	DET
cblr-3007	150	17	alterations	alteration	NOUN
cblr-3007	150	18	to	to	ADP
cblr-3007	150	19	the	the	DET
cblr-3007	150	20	incentive	incentive	NOUN
cblr-3007	150	21	structure	structure	NOUN
cblr-3007	150	22	necessarily	necessarily	ADV
cblr-3007	150	23	will	will	AUX
cblr-3007	150	24	affect	affect	VERB
cblr-3007	150	25	the	the	DET
cblr-3007	150	26	behaviors	behavior	NOUN
cblr-3007	150	27	of	of	ADP
cblr-3007	150	28	the	the	DET
cblr-3007	150	29	key	key	ADJ
cblr-3007	150	30	players	player	NOUN
cblr-3007	150	31	in	in	ADP
cblr-3007	150	32	the	the	DET
cblr-3007	150	33	system	system	NOUN
cblr-3007	150	34	.	.	PUNCT
cblr-3007	151	1	however	however	ADV
cblr-3007	151	2	,	,	PUNCT
cblr-3007	151	3	the	the	DET
cblr-3007	151	4	behavioral	behavioral	ADJ
cblr-3007	151	5	responses	response	NOUN
cblr-3007	151	6	are	be	AUX
cblr-3007	151	7	unlikely	unlikely	ADJ
cblr-3007	151	8	to	to	PART
cblr-3007	151	9	correlate	correlate	VERB
cblr-3007	151	10	with	with	ADP
cblr-3007	151	11	any	any	DET
cblr-3007	151	12	overall	overall	ADJ
cblr-3007	151	13	sense	sense	NOUN
cblr-3007	151	14	of	of	ADP
cblr-3007	151	15	social	social	ADJ
cblr-3007	151	16	improvement	improvement	NOUN
cblr-3007	151	17	because	because	SCONJ
cblr-3007	151	18	of	of	ADP
cblr-3007	151	19	the	the	DET
cblr-3007	151	20	inability	inability	NOUN
cblr-3007	151	21	to	to	PART
cblr-3007	151	22	identify	identify	VERB
cblr-3007	151	23	a	a	DET
cblr-3007	151	24	large	large	ADJ
cblr-3007	151	25	target	target	NOUN
cblr-3007	151	26	of	of	ADP
cblr-3007	151	27	opportunity	opportunity	NOUN
cblr-3007	151	28	:	:	PUNCT
cblr-3007	151	29	the	the	DET
cblr-3007	151	30	case	case	NOUN
cblr-3007	151	31	is	be	AUX
cblr-3007	151	32	not	not	PART
cblr-3007	151	33	about	about	ADP
cblr-3007	151	34	stopping	stop	VERB
cblr-3007	151	35	cartel	cartel	NOUN
cblr-3007	151	36	conduct	conduct	NOUN
cblr-3007	151	37	,	,	PUNCT
cblr-3007	151	38	for	for	ADP
cblr-3007	151	39	example	example	NOUN
cblr-3007	151	40	.	.	PUNCT
cblr-3007	152	1	in	in	ADP
cblr-3007	152	2	addition	addition	NOUN
cblr-3007	152	3	,	,	PUNCT
cblr-3007	152	4	clearly	clearly	ADV
cblr-3007	152	5	there	there	PRON
cblr-3007	152	6	can	can	AUX
cblr-3007	152	7	be	be	AUX
cblr-3007	152	8	no	no	DET
cblr-3007	152	9	strong	strong	ADJ
cblr-3007	152	10	pareto	pareto	ADJ
cblr-3007	152	11	improvement	improvement	NOUN
cblr-3007	152	12	because	because	SCONJ
cblr-3007	152	13	the	the	DET
cblr-3007	152	14	entire	entire	ADJ
cblr-3007	152	15	purpose	purpose	NOUN
cblr-3007	152	16	of	of	ADP
cblr-3007	152	17	the	the	DET
cblr-3007	152	18	reforms	reform	NOUN
cblr-3007	152	19	was	be	AUX
cblr-3007	152	20	to	to	PART
cblr-3007	152	21	make	make	VERB
cblr-3007	152	22	the	the	DET
cblr-3007	152	23	position	position	NOUN
cblr-3007	152	24	of	of	ADP
cblr-3007	152	25	the	the	DET
cblr-3007	152	26	credit	credit	NOUN
cblr-3007	152	27	card	card	NOUN
cblr-3007	152	28	holders	holder	NOUN
cblr-3007	152	29	and	and	CCONJ
cblr-3007	152	30	issuing	issue	VERB
cblr-3007	152	31	banks	bank	NOUN
cblr-3007	152	32	more	more	ADV
cblr-3007	152	33	precarious	precarious	ADJ
cblr-3007	152	34	than	than	SCONJ
cblr-3007	152	35	it	it	PRON
cblr-3007	152	36	had	have	AUX
cblr-3007	152	37	been	be	AUX
cblr-3007	152	38	under	under	ADP
cblr-3007	152	39	the	the	DET
cblr-3007	152	40	status	status	NOUN
cblr-3007	152	41	quo	quo	NOUN
cblr-3007	152	42	.	.	PUNCT
cblr-3007	153	1	in	in	ADP
cblr-3007	153	2	itself	itself	PRON
cblr-3007	153	3	,	,	PUNCT
cblr-3007	153	4	this	this	DET
cblr-3007	153	5	criticism	criticism	NOUN
cblr-3007	153	6	is	be	AUX
cblr-3007	153	7	hardly	hardly	ADV
cblr-3007	153	8	decisive	decisive	ADJ
cblr-3007	153	9	,	,	PUNCT
cblr-3007	153	10	because	because	SCONJ
cblr-3007	153	11	the	the	DET
cblr-3007	153	12	exacting	exact	VERB
cblr-3007	153	13	pareto	pareto	ADJ
cblr-3007	153	14	standard	standard	NOUN
cblr-3007	153	15	is	be	AUX
cblr-3007	153	16	commonly	commonly	ADV
cblr-3007	153	17	thought	think	VERB
cblr-3007	153	18	to	to	PART
cblr-3007	153	19	be	be	AUX
cblr-3007	153	20	too	too	ADV
cblr-3007	153	21	rigorous	rigorous	ADJ
cblr-3007	153	22	with	with	ADP
cblr-3007	153	23	respect	respect	NOUN
cblr-3007	153	24	to	to	ADP
cblr-3007	153	25	any	any	DET
cblr-3007	153	26	social	social	ADJ
cblr-3007	153	27	reform	reform	NOUN
cblr-3007	153	28	that	that	PRON
cblr-3007	153	29	does	do	AUX
cblr-3007	153	30	not	not	PART
cblr-3007	153	31	begin	begin	VERB
cblr-3007	153	32	with	with	ADP
cblr-3007	153	33	a	a	DET
cblr-3007	153	34	blank	blank	ADJ
cblr-3007	153	35	slate	slate	NOUN
cblr-3007	153	36	.	.	PUNCT
cblr-3007	154	1	it	it	PRON
cblr-3007	154	2	is	be	AUX
cblr-3007	154	3	simply	simply	ADV
cblr-3007	154	4	too	too	ADV
cblr-3007	154	5	much	much	ADJ
cblr-3007	154	6	to	to	PART
cblr-3007	154	7	demand	demand	VERB
cblr-3007	154	8	that	that	SCONJ
cblr-3007	154	9	no	no	DET
cblr-3007	154	10	one	one	NOUN
cblr-3007	154	11	be	be	AUX
cblr-3007	154	12	made	make	VERB
cblr-3007	154	13	worse	bad	ADJ
cblr-3007	154	14	off	off	ADP
cblr-3007	154	15	when	when	SCONJ
cblr-3007	154	16	at	at	ADV
cblr-3007	154	17	least	least	ADV
cblr-3007	154	18	one	one	NUM
cblr-3007	154	19	person	person	NOUN
cblr-3007	154	20	(	(	PUNCT
cblr-3007	154	21	or	or	CCONJ
cblr-3007	154	22	group	group	NOUN
cblr-3007	154	23	of	of	ADP
cblr-3007	154	24	persons	person	NOUN
cblr-3007	154	25	)	)	PUNCT
cblr-3007	154	26	is	be	AUX
cblr-3007	154	27	made	make	VERB
cblr-3007	154	28	better	well	ADJ
cblr-3007	154	29	off	off	ADP
cblr-3007	154	30	.	.	PUNCT
cblr-3007	155	1	but	but	CCONJ
cblr-3007	155	2	,	,	PUNCT
cblr-3007	155	3	no	no	INTJ
cblr-3007	155	4	.	.	NOUN
cblr-3007	156	1	3:551	3:551	NUM
cblr-3007	156	2	]	]	X
cblr-3007	156	3	conscientious	conscientious	ADJ
cblr-3007	156	4	social	social	ADJ
cblr-3007	156	5	reforms	reform	NOUN
cblr-3007	156	6	should	should	AUX
cblr-3007	156	7	satisfy	satisfy	VERB
cblr-3007	156	8	,	,	PUNCT
cblr-3007	156	9	at	at	ADP
cblr-3007	156	10	a	a	DET
cblr-3007	156	11	minimum	minimum	NOUN
cblr-3007	156	12	,	,	PUNCT
cblr-3007	156	13	the	the	DET
cblr-3007	156	14	somewhat	somewhat	ADV
cblr-3007	156	15	weaker	weak	ADJ
cblr-3007	156	16	kaldor	kaldor	PROPN
cblr-3007	156	17	-	-	PUNCT
cblr-3007	156	18	hicks	hicks	PROPN
cblr-3007	156	19	standard	standard	NOUN
cblr-3007	156	20	.	.	PUNCT
cblr-3007	157	1	under	under	ADP
cblr-3007	157	2	this	this	DET
cblr-3007	157	3	standard	standard	NOUN
cblr-3007	157	4	,	,	PUNCT
cblr-3007	157	5	the	the	DET
cblr-3007	157	6	rba	rba	NOUN
cblr-3007	157	7	regulations	regulation	NOUN
cblr-3007	157	8	would	would	AUX
cblr-3007	157	9	have	have	VERB
cblr-3007	157	10	to	to	PART
cblr-3007	157	11	produce	produce	VERB
cblr-3007	157	12	more	more	ADJ
cblr-3007	157	13	gains	gain	NOUN
cblr-3007	157	14	for	for	ADP
cblr-3007	157	15	the	the	DET
cblr-3007	157	16	merchants	merchant	NOUN
cblr-3007	157	17	and	and	CCONJ
cblr-3007	157	18	their	their	PRON
cblr-3007	157	19	non	non	ADJ
cblr-3007	157	20	-	-	ADJ
cblr-3007	157	21	credit	credit	ADJ
cblr-3007	157	22	card	card	NOUN
cblr-3007	157	23	customers	customer	NOUN
cblr-3007	157	24	-	-	PUNCT
cblr-3007	157	25	an	an	DET
cblr-3007	157	26	ambitious	ambitious	ADJ
cblr-3007	157	27	and	and	CCONJ
cblr-3007	157	28	ambiguous	ambiguous	ADJ
cblr-3007	157	29	objective	objective	ADJ
cblr-3007	157	30	3	3	NUM
cblr-3007	157	31	-	-	PUNCT
cblr-3007	157	32	than	than	ADP
cblr-3007	157	33	losses	loss	NOUN
cblr-3007	157	34	for	for	ADP
cblr-3007	157	35	the	the	DET
cblr-3007	157	36	issuing	issue	VERB
cblr-3007	157	37	banks	bank	NOUN
cblr-3007	157	38	and	and	CCONJ
cblr-3007	157	39	their	their	PRON
cblr-3007	157	40	customers	customer	NOUN
cblr-3007	157	41	,	,	PUNCT
cblr-3007	157	42	especially	especially	ADV
cblr-3007	157	43	since	since	SCONJ
cblr-3007	157	44	there	there	PRON
cblr-3007	157	45	is	be	VERB
cblr-3007	157	46	substantial	substantial	ADJ
cblr-3007	157	47	overlap	overlap	NOUN
cblr-3007	157	48	among	among	ADP
cblr-3007	157	49	the	the	DET
cblr-3007	157	50	populations	population	NOUN
cblr-3007	157	51	of	of	ADP
cblr-3007	157	52	the	the	DET
cblr-3007	157	53	various	various	ADJ
cblr-3007	157	54	groups	group	NOUN
cblr-3007	157	55	.	.	PUNCT
cblr-3007	158	1	yet	yet	ADV
cblr-3007	158	2	that	that	PRON
cblr-3007	158	3	too	too	ADV
cblr-3007	158	4	is	be	AUX
cblr-3007	158	5	an	an	DET
cblr-3007	158	6	uphill	uphill	ADJ
cblr-3007	158	7	battle	battle	NOUN
cblr-3007	158	8	.	.	PUNCT
cblr-3007	159	1	a	a	DET
cblr-3007	159	2	closer	close	ADJ
cblr-3007	159	3	look	look	NOUN
cblr-3007	159	4	at	at	ADP
cblr-3007	159	5	the	the	DET
cblr-3007	159	6	allocative	allocative	ADJ
cblr-3007	159	7	and	and	CCONJ
cblr-3007	159	8	distributional	distributional	ADJ
cblr-3007	159	9	consequences	consequence	NOUN
cblr-3007	159	10	belies	belie	VERB
cblr-3007	159	11	any	any	DET
cblr-3007	159	12	reason	reason	NOUN
cblr-3007	159	13	to	to	PART
cblr-3007	159	14	think	think	VERB
cblr-3007	159	15	that	that	SCONJ
cblr-3007	159	16	this	this	DET
cblr-3007	159	17	standard	standard	NOUN
cblr-3007	159	18	has	have	AUX
cblr-3007	159	19	been	be	AUX
cblr-3007	159	20	achieved	achieve	VERB
cblr-3007	159	21	.	.	PUNCT
cblr-3007	160	1	iii	iii	X
cblr-3007	160	2	.	.	PUNCT
cblr-3007	160	3	interchange	interchange	NOUN
cblr-3007	160	4	regulation	regulation	NOUN
cblr-3007	160	5	a.	a.	NOUN
cblr-3007	160	6	merchant	merchant	NOUN
cblr-3007	160	7	choices	choice	VERB
cblr-3007	160	8	the	the	DET
cblr-3007	160	9	more	more	ADV
cblr-3007	160	10	important	important	ADJ
cblr-3007	160	11	of	of	ADP
cblr-3007	160	12	the	the	DET
cblr-3007	160	13	rba	rba	NOUN
cblr-3007	160	14	's	's	PART
cblr-3007	160	15	two	two	NUM
cblr-3007	160	16	reforms	reform	NOUN
cblr-3007	160	17	is	be	AUX
cblr-3007	160	18	the	the	DET
cblr-3007	160	19	sharp	sharp	ADJ
cblr-3007	160	20	restriction	restriction	NOUN
cblr-3007	160	21	on	on	ADP
cblr-3007	160	22	the	the	DET
cblr-3007	160	23	level	level	NOUN
cblr-3007	160	24	of	of	ADP
cblr-3007	160	25	interchange	interchange	NOUN
cblr-3007	160	26	fees	fee	NOUN
cblr-3007	160	27	.	.	PUNCT
cblr-3007	161	1	the	the	DET
cblr-3007	161	2	rba	rba	NOUN
cblr-3007	161	3	established	establish	VERB
cblr-3007	161	4	this	this	DET
cblr-3007	161	5	restriction	restriction	NOUN
cblr-3007	161	6	to	to	PART
cblr-3007	161	7	remove	remove	VERB
cblr-3007	161	8	the	the	DET
cblr-3007	161	9	set	set	NOUN
cblr-3007	161	10	of	of	ADP
cblr-3007	161	11	subsidies	subsidy	NOUN
cblr-3007	161	12	that	that	PRON
cblr-3007	161	13	led	lead	VERB
cblr-3007	161	14	to	to	ADP
cblr-3007	161	15	the	the	DET
cblr-3007	161	16	systematic	systematic	ADJ
cblr-3007	161	17	overuse	overuse	NOUN
cblr-3007	161	18	of	of	ADP
cblr-3007	161	19	credit	credit	NOUN
cblr-3007	161	20	cards	card	NOUN
cblr-3007	161	21	relative	relative	ADJ
cblr-3007	161	22	to	to	ADP
cblr-3007	161	23	other	other	ADJ
cblr-3007	161	24	forms	form	NOUN
cblr-3007	161	25	of	of	ADP
cblr-3007	161	26	payment	payment	NOUN
cblr-3007	161	27	.	.	PUNCT
cblr-3007	162	1	the	the	DET
cblr-3007	162	2	rba	rba	NOUN
cblr-3007	162	3	argued	argue	VERB
cblr-3007	162	4	that	that	SCONJ
cblr-3007	162	5	the	the	DET
cblr-3007	162	6	high	high	ADJ
cblr-3007	162	7	interchange	interchange	NOUN
cblr-3007	162	8	fees	fee	NOUN
cblr-3007	162	9	forced	force	VERB
cblr-3007	162	10	all	all	DET
cblr-3007	162	11	consumers	consumer	NOUN
cblr-3007	162	12	of	of	ADP
cblr-3007	162	13	covered	cover	VERB
cblr-3007	162	14	merchants	merchant	NOUN
cblr-3007	162	15	to	to	PART
cblr-3007	162	16	subsidize	subsidize	VERB
cblr-3007	162	17	a	a	DET
cblr-3007	162	18	payment	payment	NOUN
cblr-3007	162	19	system	system	NOUN
cblr-3007	162	20	that	that	PRON
cblr-3007	162	21	only	only	ADV
cblr-3007	162	22	benefited	benefit	VERB
cblr-3007	162	23	credit	credit	NOUN
cblr-3007	162	24	card	card	NOUN
cblr-3007	162	25	users	user	NOUN
cblr-3007	162	26	.	.	PUNCT
cblr-3007	163	1	this	this	DET
cblr-3007	163	2	conclusion	conclusion	NOUN
cblr-3007	163	3	contains	contain	VERB
cblr-3007	163	4	both	both	PRON
cblr-3007	163	5	an	an	DET
cblr-3007	163	6	allocative	allocative	ADJ
cblr-3007	163	7	component	component	NOUN
cblr-3007	163	8	(	(	PUNCT
cblr-3007	163	9	that	that	SCONJ
cblr-3007	163	10	the	the	DET
cblr-3007	163	11	fees	fee	NOUN
cblr-3007	163	12	in	in	ADP
cblr-3007	163	13	question	question	NOUN
cblr-3007	163	14	led	lead	VERB
cblr-3007	163	15	to	to	ADP
cblr-3007	163	16	a	a	DET
cblr-3007	163	17	distortion	distortion	NOUN
cblr-3007	163	18	of	of	ADP
cblr-3007	163	19	relative	relative	ADJ
cblr-3007	163	20	prices	price	NOUN
cblr-3007	163	21	)	)	PUNCT
cblr-3007	163	22	and	and	CCONJ
cblr-3007	163	23	a	a	DET
cblr-3007	163	24	distributional	distributional	ADJ
cblr-3007	163	25	component	component	NOUN
cblr-3007	163	26	(	(	PUNCT
cblr-3007	163	27	that	that	SCONJ
cblr-3007	163	28	subsidies	subsidy	NOUN
cblr-3007	163	29	were	be	AUX
cblr-3007	163	30	extracted	extract	VERB
cblr-3007	163	31	from	from	ADP
cblr-3007	163	32	non	non	ADJ
cblr-3007	163	33	-	-	ADJ
cblr-3007	163	34	credit	credit	ADJ
cblr-3007	163	35	card	card	NOUN
cblr-3007	163	36	users	user	NOUN
cblr-3007	163	37	without	without	ADP
cblr-3007	163	38	sufficient	sufficient	ADJ
cblr-3007	163	39	social	social	ADJ
cblr-3007	163	40	justification	justification	NOUN
cblr-3007	163	41	)	)	PUNCT
cblr-3007	163	42	.	.	PUNCT
cblr-3007	164	1	the	the	DET
cblr-3007	164	2	allocative	allocative	ADJ
cblr-3007	164	3	claim	claim	NOUN
cblr-3007	164	4	rests	rest	VERB
cblr-3007	164	5	on	on	ADP
cblr-3007	164	6	what	what	PRON
cblr-3007	164	7	can	can	AUX
cblr-3007	164	8	only	only	ADV
cblr-3007	164	9	be	be	AUX
cblr-3007	164	10	termed	term	VERB
cblr-3007	164	11	the	the	DET
cblr-3007	164	12	odd	odd	ADJ
cblr-3007	164	13	view	view	NOUN
cblr-3007	164	14	-	-	PUNCT
cblr-3007	164	15	especially	especially	ADV
cblr-3007	164	16	odd	odd	ADJ
cblr-3007	164	17	for	for	ADP
cblr-3007	164	18	a	a	DET
cblr-3007	164	19	national	national	ADJ
cblr-3007	164	20	bank	bank	NOUN
cblr-3007	164	21	system	system	NOUN
cblr-3007	164	22	-	-	PUNCT
cblr-3007	164	23	that	that	SCONJ
cblr-3007	164	24	credit	credit	NOUN
cblr-3007	164	25	cards	card	NOUN
cblr-3007	164	26	provide	provide	VERB
cblr-3007	164	27	few	few	ADJ
cblr-3007	164	28	if	if	SCONJ
cblr-3007	164	29	any	any	DET
cblr-3007	164	30	benefits	benefit	NOUN
cblr-3007	164	31	over	over	ADP
cblr-3007	164	32	alternative	alternative	ADJ
cblr-3007	164	33	payment	payment	NOUN
cblr-3007	164	34	systems	system	NOUN
cblr-3007	164	35	.	.	PUNCT
cblr-3007	165	1	that	that	DET
cblr-3007	165	2	conclusion	conclusion	NOUN
cblr-3007	165	3	seems	seem	VERB
cblr-3007	165	4	to	to	PART
cblr-3007	165	5	conflict	conflict	VERB
cblr-3007	165	6	with	with	ADP
cblr-3007	165	7	the	the	DET
cblr-3007	165	8	obvious	obvious	ADJ
cblr-3007	165	9	historical	historical	ADJ
cblr-3007	165	10	fact	fact	NOUN
cblr-3007	165	11	that	that	SCONJ
cblr-3007	165	12	credit	credit	NOUN
cblr-3007	165	13	cards	card	NOUN
cblr-3007	165	14	have	have	AUX
cblr-3007	165	15	expanded	expand	VERB
cblr-3007	165	16	their	their	PRON
cblr-3007	165	17	market	market	NOUN
cblr-3007	165	18	share	share	NOUN
cblr-3007	165	19	of	of	ADP
cblr-3007	165	20	payment	payment	NOUN
cblr-3007	165	21	transactions	transaction	NOUN
cblr-3007	165	22	both	both	CCONJ
cblr-3007	165	23	before	before	ADP
cblr-3007	165	24	and	and	CCONJ
cblr-3007	165	25	after	after	ADP
cblr-3007	165	26	13	13	NUM
cblr-3007	165	27	for	for	ADP
cblr-3007	165	28	discussion	discussion	NOUN
cblr-3007	165	29	of	of	ADP
cblr-3007	165	30	these	these	DET
cblr-3007	165	31	problems	problem	NOUN
cblr-3007	165	32	,	,	PUNCT
cblr-3007	165	33	see	see	VERB
cblr-3007	165	34	infra	infra	NOUN
cblr-3007	165	35	the	the	DET
cblr-3007	165	36	discussion	discussion	NOUN
cblr-3007	165	37	of	of	ADP
cblr-3007	165	38	passthroughs	passthrough	NOUN
cblr-3007	165	39	in	in	ADP
cblr-3007	165	40	section	section	NOUN
cblr-3007	165	41	v.	v.	ADP
cblr-3007	165	42	col	col	PROPN
cblr-3007	165	43	umbia	umbia	PROPN
cblr-3007	165	44	b	b	PROPN
cblr-3007	166	1	usiness	usiness	PROPN
cblr-3007	166	2	la	la	PROPN
cblr-3007	166	3	w	w	PROPN
cblr-3007	166	4	re	re	PROPN
cblr-3007	166	5	vie	vie	PROPN
cblr-3007	166	6	w	w	PROPN
cblr-3007	167	1	[	[	X
cblr-3007	167	2	vol	vol	NOUN
cblr-3007	167	3	.	.	PUNCT
cblr-3007	167	4	2005	2005	NUM
cblr-3007	167	5	no	no	NOUN
cblr-3007	167	6	.	.	PUNCT
cblr-3007	168	1	3:551	3:551	NUM
cblr-3007	168	2	]	]	X
cblr-3007	168	3	the	the	DET
cblr-3007	168	4	regulation	regulation	NOUN
cblr-3007	168	5	of	of	ADP
cblr-3007	168	6	interchange	interchange	NOUN
cblr-3007	168	7	fees	fee	NOUN
cblr-3007	168	8	the	the	DET
cblr-3007	168	9	2003	2003	NUM
cblr-3007	168	10	capping	capping	NOUN
cblr-3007	168	11	of	of	ADP
cblr-3007	168	12	interchange	interchange	NOUN
cblr-3007	168	13	fees	fee	NOUN
cblr-3007	168	14	.	.	PUNCT
cblr-3007	169	1	4	4	NUM
cblr-3007	169	2	to	to	PART
cblr-3007	169	3	illustrate	illustrate	VERB
cblr-3007	169	4	,	,	PUNCT
cblr-3007	169	5	figure	figure	NOUN
cblr-3007	169	6	1	1	NUM
cblr-3007	169	7	shows	show	VERB
cblr-3007	169	8	a	a	DET
cblr-3007	169	9	continuous	continuous	ADJ
cblr-3007	169	10	upward	upward	ADJ
cblr-3007	169	11	trend	trend	NOUN
cblr-3007	169	12	that	that	PRON
cblr-3007	169	13	is	be	AUX
cblr-3007	169	14	so	so	ADV
cblr-3007	169	15	smooth	smooth	ADJ
cblr-3007	169	16	that	that	SCONJ
cblr-3007	169	17	no	no	DET
cblr-3007	169	18	one	one	PRON
cblr-3007	169	19	could	could	AUX
cblr-3007	169	20	figure	figure	VERB
cblr-3007	169	21	out	out	ADP
cblr-3007	169	22	from	from	ADP
cblr-3007	169	23	visual	visual	ADJ
cblr-3007	169	24	inspection	inspection	NOUN
cblr-3007	169	25	when	when	SCONJ
cblr-3007	169	26	the	the	DET
cblr-3007	169	27	rba	rba	NOUN
cblr-3007	169	28	imposed	impose	VERB
cblr-3007	169	29	its	its	PRON
cblr-3007	169	30	cap	cap	NOUN
cblr-3007	169	31	on	on	ADP
cblr-3007	169	32	interchange	interchange	NOUN
cblr-3007	169	33	fees	fee	NOUN
cblr-3007	169	34	.	.	PUNCT
cblr-3007	170	1	figure	figure	NOUN
cblr-3007	170	2	1	1	NUM
cblr-3007	170	3	.	.	PUNCT
cblr-3007	170	4	real	real	ADJ
cblr-3007	170	5	interchange	interchange	NOUN
cblr-3007	170	6	revenue	revenue	NOUN
cblr-3007	170	7	per	per	ADP
cblr-3007	170	8	card	card	NOUN
cblr-3007	170	9	"	"	PUNCT
cblr-3007	170	10	30	30	NUM
cblr-3007	170	11	1	1	NUM
cblr-3007	170	12	25	25	NUM
cblr-3007	170	13	a	a	DET
cblr-3007	170	14	5	5	NUM
cblr-3007	170	15	......	......	PUNCT
cblr-3007	170	16	but	but	CCONJ
cblr-3007	170	17	-	-	PUNCT
cblr-3007	170	18	for	for	ADP
cblr-3007	170	19	0	0	NUM
cblr-3007	170	20	1	1	NUM
cblr-3007	170	21	.	.	PUNCT
cblr-3007	170	22	.	.	PUNCT
cblr-3007	170	23	.	.	PUNCT
cblr-3007	170	24	.	.	PUNCT
cblr-3007	170	25	.	.	PUNCT
cblr-3007	170	26	.	.	PUNCT
cblr-3007	170	27	.	.	PUNCT
cblr-3007	170	28	.	.	PUNCT
cblr-3007	171	1	....	....	PUNCT
cblr-3007	171	2	.	.	PUNCT
cblr-3007	171	3	.	.	PUNCT
cblr-3007	171	4	.	.	PUNCT
cblr-3007	171	5	.	.	PUNCT
cblr-3007	171	6	.	.	PUNCT
cblr-3007	171	7	.	.	PUNCT
cblr-3007	171	8	.	.	PUNCT
cblr-3007	171	9	.	.	PUNCT
cblr-3007	171	10	.	.	PUNCT
cblr-3007	171	11	.	.	PUNCT
cblr-3007	172	1	.	.	PUNCT
cblr-3007	173	1	..	..	PUNCT
cblr-3007	173	2	.	.	PUNCT
cblr-3007	173	3	.	.	PUNCT
cblr-3007	173	4	.	.	PUNCT
cblr-3007	173	5	.	.	PUNCT
cblr-3007	173	6	.	.	PUNCT
cblr-3007	173	7	.	.	PUNCT
cblr-3007	173	8	.	.	PUNCT
cblr-3007	173	9	.	.	PUNCT
cblr-3007	174	1	.	.	PUNCT
cblr-3007	175	1	*	*	PUNCT
cblr-3007	175	2	notwithstanding	notwithstanding	ADP
cblr-3007	175	3	this	this	DET
cblr-3007	175	4	obvious	obvious	ADJ
cblr-3007	175	5	trend	trend	NOUN
cblr-3007	175	6	,	,	PUNCT
cblr-3007	175	7	the	the	DET
cblr-3007	175	8	rba	rba	NOUN
cblr-3007	175	9	's	's	PART
cblr-3007	175	10	basic	basic	ADJ
cblr-3007	175	11	claim	claim	NOUN
cblr-3007	175	12	is	be	AUX
cblr-3007	175	13	that	that	SCONJ
cblr-3007	175	14	"	"	PUNCT
cblr-3007	175	15	[	[	X
cblr-3007	175	16	hiigher	hiigher	ADJ
cblr-3007	175	17	sales	sale	NOUN
cblr-3007	175	18	on	on	ADP
cblr-3007	175	19	credit	credit	NOUN
cblr-3007	175	20	cards	card	NOUN
cblr-3007	175	21	for	for	ADP
cblr-3007	175	22	individual	individual	ADJ
cblr-3007	175	23	merchants	merchant	NOUN
cblr-3007	175	24	do	do	AUX
cblr-3007	175	25	not	not	PART
cblr-3007	175	26	,	,	PUNCT
cblr-3007	175	27	of	of	ADP
cblr-3007	175	28	themselves	themselves	PRON
cblr-3007	175	29	,	,	PUNCT
cblr-3007	175	30	give	give	VERB
cblr-3007	175	31	rise	rise	NOUN
cblr-3007	175	32	to	to	ADP
cblr-3007	175	33	overall	overall	ADJ
cblr-3007	175	34	merchant	merchant	NOUN
cblr-3007	175	35	benefits	benefit	NOUN
cblr-3007	175	36	if	if	SCONJ
cblr-3007	175	37	:	:	PUNCT
cblr-3007	175	38	(	(	PUNCT
cblr-3007	175	39	i	i	NOUN
cblr-3007	175	40	)	)	PUNCT
cblr-3007	175	41	those	those	DET
cblr-3007	175	42	sales	sale	NOUN
cblr-3007	175	43	would	would	AUX
cblr-3007	175	44	have	have	AUX
cblr-3007	175	45	taken	take	VERB
cblr-3007	175	46	place	place	NOUN
cblr-3007	175	47	anyway	anyway	ADV
cblr-3007	175	48	using	use	VERB
cblr-3007	175	49	other	other	ADJ
cblr-3007	175	50	payment	payment	NOUN
cblr-3007	175	51	instruments	instrument	NOUN
cblr-3007	175	52	;	;	PUNCT
cblr-3007	175	53	or	or	CCONJ
cblr-3007	175	54	(	(	PUNCT
cblr-3007	175	55	ii	ii	NOUN
cblr-3007	175	56	)	)	PUNCT
cblr-3007	175	57	the	the	DET
cblr-3007	175	58	sales	sale	NOUN
cblr-3007	175	59	have	have	AUX
cblr-3007	175	60	merely	merely	ADV
cblr-3007	175	61	diverted	divert	VERB
cblr-3007	175	62	business	business	NOUN
cblr-3007	175	63	from	from	ADP
cblr-3007	175	64	one	one	NUM
cblr-3007	175	65	merchant	merchant	NOUN
cblr-3007	175	66	to	to	ADP
cblr-3007	175	67	another	another	PRON
cblr-3007	175	68	.	.	PUNCT
cblr-3007	175	69	"	"	PUNCT
cblr-3007	176	1	6	6	NUM
cblr-3007	176	2	the	the	DET
cblr-3007	176	3	background	background	NOUN
cblr-3007	176	4	assumption	assumption	NOUN
cblr-3007	176	5	underlying	underlie	VERB
cblr-3007	176	6	these	these	DET
cblr-3007	176	7	two	two	NUM
cblr-3007	176	8	conclusions	conclusion	NOUN
cblr-3007	176	9	is	be	AUX
cblr-3007	176	10	that	that	SCONJ
cblr-3007	176	11	credit	credit	NOUN
cblr-3007	176	12	cards	card	NOUN
cblr-3007	176	13	do	do	AUX
cblr-3007	176	14	not	not	PART
cblr-3007	176	15	add	add	VERB
cblr-3007	176	16	much	much	ADJ
cblr-3007	176	17	net	net	ADJ
cblr-3007	176	18	benefit	benefit	NOUN
cblr-3007	176	19	to	to	ADP
cblr-3007	176	20	the	the	DET
cblr-3007	176	21	operation	operation	NOUN
cblr-3007	176	22	of	of	ADP
cblr-3007	176	23	the	the	DET
cblr-3007	176	24	economy	economy	NOUN
cblr-3007	176	25	and	and	CCONJ
cblr-3007	176	26	only	only	ADV
cblr-3007	176	27	divert	divert	VERB
cblr-3007	176	28	transactions	transaction	NOUN
cblr-3007	176	29	into	into	ADP
cblr-3007	176	30	more	more	ADV
cblr-3007	176	31	expensive	expensive	ADJ
cblr-3007	176	32	modes	mode	NOUN
cblr-3007	176	33	of	of	ADP
cblr-3007	176	34	payment	payment	NOUN
cblr-3007	176	35	.	.	PUNCT
cblr-3007	177	1	in	in	ADP
cblr-3007	177	2	support	support	NOUN
cblr-3007	177	3	of	of	ADP
cblr-3007	177	4	this	this	DET
cblr-3007	177	5	conclusion	conclusion	NOUN
cblr-3007	177	6	,	,	PUNCT
cblr-3007	177	7	the	the	DET
cblr-3007	177	8	rba	rba	NOUN
cblr-3007	177	9	notes	note	VERB
cblr-3007	177	10	that	that	SCONJ
cblr-3007	177	11	credit	credit	NOUN
cblr-3007	177	12	card	card	NOUN
cblr-3007	177	13	fees	fee	NOUN
cblr-3007	177	14	comprise	comprise	VERB
cblr-3007	177	15	a	a	DET
cblr-3007	177	16	much	much	ADV
cblr-3007	177	17	heftier	hefty	ADJ
cblr-3007	177	18	percentage	percentage	NOUN
cblr-3007	177	19	of	of	ADP
cblr-3007	177	20	sales	sale	NOUN
cblr-3007	177	21	than	than	ADP
cblr-3007	177	22	fees	fee	NOUN
cblr-3007	177	23	for	for	ADP
cblr-3007	177	24	other	other	ADJ
cblr-3007	177	25	forms	form	NOUN
cblr-3007	177	26	of	of	ADP
cblr-3007	177	27	payment	payment	NOUN
cblr-3007	177	28	,	,	PUNCT
cblr-3007	177	29	as	as	SCONJ
cblr-3007	177	30	shown	show	VERB
cblr-3007	177	31	in	in	ADP
cblr-3007	177	32	figure	figure	NOUN
cblr-3007	177	33	2	2	NUM
cblr-3007	177	34	below	below	ADV
cblr-3007	177	35	.	.	PUNCT
cblr-3007	178	1	"	"	PUNCT
cblr-3007	178	2	4	4	NUM
cblr-3007	178	3	for	for	ADP
cblr-3007	178	4	the	the	DET
cblr-3007	178	5	overall	overall	ADJ
cblr-3007	178	6	progression	progression	NOUN
cblr-3007	178	7	,	,	PUNCT
cblr-3007	178	8	see	see	VERB
cblr-3007	178	9	evans	evans	PROPN
cblr-3007	178	10	&	&	CCONJ
cblr-3007	178	11	schmalensee	schmalensee	PROPN
cblr-3007	178	12	,	,	PUNCT
cblr-3007	178	13	supra	supra	PROPN
cblr-3007	178	14	note	note	PROPN
cblr-3007	178	15	4	4	NUM
cblr-3007	178	16	,	,	PUNCT
cblr-3007	178	17	at	at	ADP
cblr-3007	178	18	84	84	NUM
cblr-3007	178	19	(	(	PUNCT
cblr-3007	178	20	noting	note	VERB
cblr-3007	178	21	the	the	DET
cblr-3007	178	22	steady	steady	ADJ
cblr-3007	178	23	rise	rise	NOUN
cblr-3007	178	24	in	in	ADP
cblr-3007	178	25	use	use	NOUN
cblr-3007	178	26	of	of	ADP
cblr-3007	178	27	payment	payment	NOUN
cblr-3007	178	28	cards	card	NOUN
cblr-3007	178	29	from	from	ADP
cblr-3007	178	30	about	about	ADV
cblr-3007	178	31	2	2	NUM
cblr-3007	178	32	%	%	NOUN
cblr-3007	178	33	to	to	PART
cblr-3007	178	34	25	25	NUM
cblr-3007	178	35	%	%	NOUN
cblr-3007	178	36	)	)	PUNCT
cblr-3007	178	37	.	.	PUNCT
cblr-3007	179	1	"	"	PUNCT
cblr-3007	179	2	'	'	PUNCT
cblr-3007	179	3	chang	chang	PROPN
cblr-3007	179	4	,	,	PUNCT
cblr-3007	179	5	australian	australian	ADJ
cblr-3007	179	6	interchange	interchange	NOUN
cblr-3007	179	7	,	,	PUNCT
cblr-3007	179	8	supra	supra	PROPN
cblr-3007	179	9	note	note	NOUN
cblr-3007	179	10	2	2	NUM
cblr-3007	179	11	,	,	PUNCT
cblr-3007	179	12	at	at	ADP
cblr-3007	179	13	21	21	NUM
cblr-3007	179	14	.	.	PUNCT
cblr-3007	180	1	16	16	NUM
cblr-3007	180	2	rba	rba	NOUN
cblr-3007	180	3	,	,	PUNCT
cblr-3007	180	4	australan	australan	NOUN
cblr-3007	180	5	reform	reform	NOUN
cblr-3007	180	6	,	,	PUNCT
cblr-3007	180	7	supra	supra	PROPN
cblr-3007	180	8	note	note	NOUN
cblr-3007	180	9	3	3	NUM
cblr-3007	180	10	,	,	PUNCT
cblr-3007	180	11	at	at	ADP
cblr-3007	180	12	23	23	NUM
cblr-3007	180	13	.	.	PUNCT
cblr-3007	181	1	the	the	DET
cblr-3007	181	2	regulation	regulation	NOUN
cblr-3007	181	3	of	of	ADP
cblr-3007	181	4	interchange	interchange	NOUN
cblr-3007	181	5	feesno	feesno	NOUN
cblr-3007	181	6	.	.	PUNCT
cblr-3007	182	1	3:551	3:551	NUM
cblr-3007	182	2	]	]	X
cblr-3007	182	3	columbia	columbia	PROPN
cblr-3007	182	4	business	business	PROPN
cblr-3007	182	5	la	la	PROPN
cblr-3007	182	6	w	w	PROPN
cblr-3007	182	7	review	review	PROPN
cblr-3007	182	8	figure	figure	NOUN
cblr-3007	182	9	2	2	NUM
cblr-3007	182	10	.	.	PUNCT
cblr-3007	182	11	payment	payment	NOUN
cblr-3007	182	12	costs	cost	NOUN
cblr-3007	182	13	to	to	ADP
cblr-3007	182	14	australian	australian	ADJ
cblr-3007	182	15	retailers	retailer	NOUN
cblr-3007	182	16	as	as	ADP
cblr-3007	182	17	a	a	DET
cblr-3007	182	18	percentage	percentage	NOUN
cblr-3007	182	19	of	of	ADP
cblr-3007	182	20	average	average	ADJ
cblr-3007	182	21	transaction	transaction	NOUN
cblr-3007	182	22	value17	value17	VERB
cblr-3007	182	23	3.5	3.5	NUM
cblr-3007	182	24	3.0	3.0	NUM
cblr-3007	182	25	2.5	2.5	NUM
cblr-3007	182	26	2.0	2.0	NUM
cblr-3007	182	27	1.5	1.5	NUM
cblr-3007	182	28	1.0	1.0	NUM
cblr-3007	182	29	0.5	0.5	NUM
cblr-3007	182	30	0.0	0.0	NUM
cblr-3007	182	31	debit	debit	NOUN
cblr-3007	182	32	card	card	NOUN
cblr-3007	182	33	cash	cash	NOUN
cblr-3007	182	34	check	check	VERB
cblr-3007	182	35	open	open	ADJ
cblr-3007	182	36	-	-	PUNCT
cblr-3007	182	37	system	system	NOUN
cblr-3007	182	38	charge	charge	NOUN
cblr-3007	182	39	card	card	NOUN
cblr-3007	182	40	closedcredit	closedcredit	NOUN
cblr-3007	182	41	card	card	NOUN
cblr-3007	182	42	system	system	NOUN
cblr-3007	182	43	credit	credit	NOUN
cblr-3007	182	44	card	card	NOUN
cblr-3007	182	45	the	the	DET
cblr-3007	182	46	last	last	ADJ
cblr-3007	182	47	line	line	NOUN
cblr-3007	182	48	,	,	PUNCT
cblr-3007	182	49	which	which	PRON
cblr-3007	182	50	refers	refer	VERB
cblr-3007	182	51	to	to	ADP
cblr-3007	182	52	closed	closed	ADJ
cblr-3007	182	53	-	-	PUNCT
cblr-3007	182	54	system	system	NOUN
cblr-3007	182	55	credit	credit	NOUN
cblr-3007	182	56	cards	card	NOUN
cblr-3007	182	57	(	(	PUNCT
cblr-3007	182	58	american	american	PROPN
cblr-3007	182	59	express	express	VERB
cblr-3007	182	60	and	and	CCONJ
cblr-3007	182	61	diners	diner	NOUN
cblr-3007	182	62	club	club	NOUN
cblr-3007	182	63	)	)	PUNCT
cblr-3007	182	64	,	,	PUNCT
cblr-3007	182	65	was	be	AUX
cblr-3007	182	66	not	not	PART
cblr-3007	182	67	in	in	ADP
cblr-3007	182	68	the	the	DET
cblr-3007	182	69	rba	rba	NOUN
cblr-3007	182	70	's	's	PART
cblr-3007	182	71	original	original	ADJ
cblr-3007	182	72	report	report	NOUN
cblr-3007	182	73	.	.	PUNCT
cblr-3007	183	1	that	that	DET
cblr-3007	183	2	bar	bar	NOUN
cblr-3007	183	3	can	can	AUX
cblr-3007	183	4	be	be	AUX
cblr-3007	183	5	added	add	VERB
cblr-3007	183	6	in	in	ADP
cblr-3007	183	7	,	,	PUNCT
cblr-3007	183	8	however	however	ADV
cblr-3007	183	9	.	.	PUNCT
cblr-3007	184	1	more	more	ADV
cblr-3007	184	2	generally	generally	ADV
cblr-3007	184	3	,	,	PUNCT
cblr-3007	184	4	what	what	PRON
cblr-3007	184	5	is	be	AUX
cblr-3007	184	6	most	most	ADV
cblr-3007	184	7	instructive	instructive	ADJ
cblr-3007	184	8	here	here	ADV
cblr-3007	184	9	is	be	AUX
cblr-3007	184	10	how	how	SCONJ
cblr-3007	184	11	this	this	DET
cblr-3007	184	12	rate	rate	NOUN
cblr-3007	184	13	compares	compare	VERB
cblr-3007	184	14	with	with	ADP
cblr-3007	184	15	that	that	PRON
cblr-3007	184	16	of	of	ADP
cblr-3007	184	17	the	the	DET
cblr-3007	184	18	open	open	ADJ
cblr-3007	184	19	-	-	PUNCT
cblr-3007	184	20	system	system	NOUN
cblr-3007	184	21	credit	credit	NOUN
cblr-3007	184	22	cards	card	NOUN
cblr-3007	184	23	(	(	PUNCT
cblr-3007	184	24	visa	visa	NOUN
cblr-3007	184	25	and	and	CCONJ
cblr-3007	184	26	mastercard	mastercard	NOUN
cblr-3007	184	27	)	)	PUNCT
cblr-3007	184	28	,	,	PUNCT
cblr-3007	184	29	both	both	CCONJ
cblr-3007	184	30	before	before	ADP
cblr-3007	184	31	and	and	CCONJ
cblr-3007	184	32	after	after	ADP
cblr-3007	184	33	the	the	DET
cblr-3007	184	34	imposition	imposition	NOUN
cblr-3007	184	35	of	of	ADP
cblr-3007	184	36	rate	rate	NOUN
cblr-3007	184	37	caps	cap	NOUN
cblr-3007	184	38	.	.	PUNCT
cblr-3007	185	1	it	it	PRON
cblr-3007	185	2	seems	seem	VERB
cblr-3007	185	3	as	as	SCONJ
cblr-3007	185	4	though	though	SCONJ
cblr-3007	185	5	the	the	DET
cblr-3007	185	6	figures	figure	NOUN
cblr-3007	185	7	are	be	AUX
cblr-3007	185	8	derived	derive	VERB
cblr-3007	185	9	from	from	ADP
cblr-3007	185	10	a	a	DET
cblr-3007	185	11	different	different	ADJ
cblr-3007	185	12	metric	metric	NOUN
cblr-3007	185	13	because	because	SCONJ
cblr-3007	185	14	the	the	DET
cblr-3007	185	15	absolute	absolute	ADJ
cblr-3007	185	16	values	value	NOUN
cblr-3007	185	17	differ	differ	VERB
cblr-3007	185	18	.	.	PUNCT
cblr-3007	186	1	but	but	CCONJ
cblr-3007	186	2	the	the	DET
cblr-3007	186	3	relative	relative	ADJ
cblr-3007	186	4	values	value	NOUN
cblr-3007	186	5	are	be	AUX
cblr-3007	186	6	the	the	DET
cblr-3007	186	7	same	same	ADJ
cblr-3007	186	8	,	,	PUNCT
cblr-3007	186	9	and	and	CCONJ
cblr-3007	186	10	they	they	PRON
cblr-3007	186	11	speak	speak	VERB
cblr-3007	186	12	to	to	ADP
cblr-3007	186	13	a	a	DET
cblr-3007	186	14	real	real	ADJ
cblr-3007	186	15	price	price	NOUN
cblr-3007	186	16	advantage	advantage	NOUN
cblr-3007	186	17	for	for	ADP
cblr-3007	186	18	both	both	DET
cblr-3007	186	19	mastercard	mastercard	NOUN
cblr-3007	186	20	and	and	CCONJ
cblr-3007	186	21	visa	visa	NOUN
cblr-3007	186	22	.	.	PUNCT
cblr-3007	187	1	before	before	SCONJ
cblr-3007	187	2	the	the	DET
cblr-3007	187	3	rate	rate	NOUN
cblr-3007	187	4	caps	cap	NOUN
cblr-3007	187	5	were	be	AUX
cblr-3007	187	6	imposed	impose	VERB
cblr-3007	187	7	,	,	PUNCT
cblr-3007	187	8	mastercard	mastercard	PROPN
cblr-3007	187	9	and	and	CCONJ
cblr-3007	187	10	visa	visa	NOUN
cblr-3007	187	11	(	(	PUNCT
cblr-3007	187	12	the	the	DET
cblr-3007	187	13	open	open	ADJ
cblr-3007	187	14	-	-	PUNCT
cblr-3007	187	15	system	system	NOUN
cblr-3007	187	16	credit	credit	NOUN
cblr-3007	187	17	cards	card	NOUN
cblr-3007	187	18	)	)	PUNCT
cblr-3007	187	19	had	have	VERB
cblr-3007	187	20	total	total	ADJ
cblr-3007	187	21	interchange	interchange	NOUN
cblr-3007	187	22	fees	fee	NOUN
cblr-3007	187	23	of	of	ADP
cblr-3007	187	24	approximately	approximately	ADV
cblr-3007	187	25	1.45	1.45	NUM
cblr-3007	187	26	%	%	NOUN
cblr-3007	187	27	,	,	PUNCT
cblr-3007	187	28	relative	relative	ADJ
cblr-3007	187	29	to	to	ADP
cblr-3007	187	30	2.58	2.58	NUM
cblr-3007	187	31	%	%	NOUN
cblr-3007	187	32	for	for	ADP
cblr-3007	187	33	american	american	PROPN
cblr-3007	187	34	express	express	PROPN
cblr-3007	187	35	and	and	CCONJ
cblr-3007	187	36	2.35	2.35	NUM
cblr-3007	187	37	%	%	NOUN
cblr-3007	187	38	for	for	ADP
cblr-3007	187	39	17	17	NUM
cblr-3007	187	40	rba	rba	NOUN
cblr-3007	187	41	,	,	PUNCT
cblr-3007	187	42	austraian	austraian	ADJ
cblr-3007	187	43	reform	reform	NOUN
cblr-3007	187	44	,	,	PUNCT
cblr-3007	187	45	supra	supra	PROPN
cblr-3007	187	46	note	note	NOUN
cblr-3007	187	47	3	3	NUM
cblr-3007	187	48	,	,	PUNCT
cblr-3007	187	49	at	at	ADP
cblr-3007	187	50	22	22	NUM
cblr-3007	187	51	.	.	PUNCT
cblr-3007	188	1	in	in	ADP
cblr-3007	188	2	this	this	DET
cblr-3007	188	3	figure	figure	NOUN
cblr-3007	188	4	,	,	PUNCT
cblr-3007	188	5	the	the	DET
cblr-3007	188	6	first	first	ADJ
cblr-3007	188	7	five	five	NUM
cblr-3007	188	8	columns	column	NOUN
cblr-3007	188	9	were	be	AUX
cblr-3007	188	10	taken	take	VERB
cblr-3007	188	11	from	from	ADP
cblr-3007	188	12	the	the	DET
cblr-3007	188	13	rba	rba	NOUN
cblr-3007	188	14	report	report	NOUN
cblr-3007	188	15	,	,	PUNCT
cblr-3007	188	16	but	but	CCONJ
cblr-3007	188	17	the	the	DET
cblr-3007	188	18	sixth	sixth	ADJ
cblr-3007	188	19	column	column	NOUN
cblr-3007	188	20	,	,	PUNCT
cblr-3007	188	21	representing	represent	VERB
cblr-3007	188	22	closed	closed	ADJ
cblr-3007	188	23	card	card	NOUN
cblr-3007	188	24	systems	system	NOUN
cblr-3007	188	25	like	like	ADP
cblr-3007	188	26	american	american	PROPN
cblr-3007	188	27	express	express	VERB
cblr-3007	188	28	and	and	CCONJ
cblr-3007	188	29	diners	diner	NOUN
cblr-3007	188	30	club	club	NOUN
cblr-3007	188	31	,	,	PUNCT
cblr-3007	188	32	has	have	AUX
cblr-3007	188	33	been	be	AUX
cblr-3007	188	34	added	add	VERB
cblr-3007	188	35	in	in	ADP
cblr-3007	188	36	because	because	SCONJ
cblr-3007	188	37	the	the	DET
cblr-3007	188	38	fees	fee	NOUN
cblr-3007	188	39	for	for	ADP
cblr-3007	188	40	these	these	DET
cblr-3007	188	41	systems	system	NOUN
cblr-3007	188	42	are	be	AUX
cblr-3007	188	43	higher	high	ADJ
cblr-3007	188	44	than	than	ADP
cblr-3007	188	45	those	those	PRON
cblr-3007	188	46	of	of	ADP
cblr-3007	188	47	the	the	DET
cblr-3007	188	48	four	four	NUM
cblr-3007	188	49	-	-	PUNCT
cblr-3007	188	50	party	party	NOUN
cblr-3007	188	51	systems	system	NOUN
cblr-3007	188	52	.	.	PUNCT
cblr-3007	189	1	see	see	VERB
cblr-3007	189	2	evans	evans	PROPN
cblr-3007	189	3	&	&	CCONJ
cblr-3007	189	4	schmalensee	schmalensee	PROPN
cblr-3007	189	5	,	,	PUNCT
cblr-3007	189	6	supra	supra	PROPN
cblr-3007	189	7	note	note	PROPN
cblr-3007	189	8	4	4	NUM
cblr-3007	189	9	,	,	PUNCT
cblr-3007	189	10	at	at	ADP
cblr-3007	189	11	152	152	NUM
cblr-3007	189	12	fig.6.1	fig.6.1	NOUN
cblr-3007	189	13	(	(	PUNCT
cblr-3007	189	14	reporting	report	VERB
cblr-3007	189	15	the	the	DET
cblr-3007	189	16	figure	figure	NOUN
cblr-3007	189	17	for	for	ADP
cblr-3007	189	18	american	american	PROPN
cblr-3007	189	19	express	express	VERB
cblr-3007	189	20	at	at	ADP
cblr-3007	189	21	around	around	ADP
cblr-3007	189	22	3	3	NUM
cblr-3007	189	23	%	%	NOUN
cblr-3007	189	24	)	)	PUNCT
cblr-3007	189	25	.	.	PUNCT
cblr-3007	190	1	the	the	DET
cblr-3007	190	2	implications	implication	NOUN
cblr-3007	190	3	of	of	ADP
cblr-3007	190	4	this	this	DET
cblr-3007	190	5	omission	omission	NOUN
cblr-3007	190	6	will	will	AUX
cblr-3007	190	7	be	be	AUX
cblr-3007	190	8	discussed	discuss	VERB
cblr-3007	190	9	presently	presently	ADV
cblr-3007	190	10	.	.	PUNCT
cblr-3007	191	1	[	[	X
cblr-3007	191	2	vol	vol	NOUN
cblr-3007	191	3	.	.	PUNCT
cblr-3007	191	4	2005	2005	NUM
cblr-3007	191	5	the	the	DET
cblr-3007	191	6	regulation	regulation	NOUN
cblr-3007	191	7	of	of	ADP
cblr-3007	191	8	interchange	interchange	NOUN
cblr-3007	191	9	fees	fee	NOUN
cblr-3007	191	10	diners	diner	NOUN
cblr-3007	191	11	club	club	NOUN
cblr-3007	191	12	(	(	PUNCT
cblr-3007	191	13	the	the	DET
cblr-3007	191	14	closed	close	VERB
cblr-3007	191	15	-	-	PUNCT
cblr-3007	191	16	sytem	sytem	NOUN
cblr-3007	191	17	credit	credit	NOUN
cblr-3007	191	18	cards)."8	cards)."8	NOUN
cblr-3007	191	19	the	the	DET
cblr-3007	191	20	interchange	interchange	NOUN
cblr-3007	191	21	fees	fee	NOUN
cblr-3007	191	22	for	for	ADP
cblr-3007	191	23	mastercard	mastercard	PROPN
cblr-3007	191	24	and	and	CCONJ
cblr-3007	191	25	visa	visa	NOUN
cblr-3007	191	26	were	be	AUX
cblr-3007	191	27	thus	thus	ADV
cblr-3007	191	28	approximately	approximately	ADV
cblr-3007	191	29	1	1	NUM
cblr-3007	191	30	%	%	NOUN
cblr-3007	191	31	lower	low	ADJ
cblr-3007	191	32	than	than	ADP
cblr-3007	191	33	for	for	ADP
cblr-3007	191	34	american	american	PROPN
cblr-3007	191	35	express	express	PROPN
cblr-3007	191	36	and	and	CCONJ
cblr-3007	191	37	diners	diner	NOUN
cblr-3007	191	38	club	club	NOUN
cblr-3007	191	39	.	.	PUNCT
cblr-3007	192	1	once	once	ADV
cblr-3007	192	2	the	the	DET
cblr-3007	192	3	rate	rate	NOUN
cblr-3007	192	4	caps	cap	NOUN
cblr-3007	192	5	were	be	AUX
cblr-3007	192	6	imposed	impose	VERB
cblr-3007	192	7	,	,	PUNCT
cblr-3007	192	8	the	the	DET
cblr-3007	192	9	interchange	interchange	NOUN
cblr-3007	192	10	fees	fee	NOUN
cblr-3007	192	11	for	for	ADP
cblr-3007	192	12	mastercard	mastercard	PROPN
cblr-3007	192	13	and	and	CCONJ
cblr-3007	192	14	visa	visa	NOUN
cblr-3007	192	15	dropped	drop	VERB
cblr-3007	192	16	to	to	ADP
cblr-3007	192	17	approximately	approximately	ADV
cblr-3007	192	18	0.96	0.96	NUM
cblr-3007	192	19	%	%	NOUN
cblr-3007	192	20	,	,	PUNCT
cblr-3007	192	21	while	while	SCONJ
cblr-3007	192	22	those	those	PRON
cblr-3007	192	23	for	for	ADP
cblr-3007	192	24	american	american	PROPN
cblr-3007	192	25	express	express	PROPN
cblr-3007	192	26	and	and	CCONJ
cblr-3007	192	27	diners	diner	NOUN
cblr-3007	192	28	club	club	NOUN
cblr-3007	192	29	remained	remain	VERB
cblr-3007	192	30	at	at	ADP
cblr-3007	192	31	2.38	2.38	NUM
cblr-3007	192	32	%	%	NOUN
cblr-3007	192	33	and	and	CCONJ
cblr-3007	192	34	2.31	2.31	NUM
cblr-3007	192	35	%	%	NOUN
cblr-3007	192	36	,	,	PUNCT
cblr-3007	192	37	respectively	respectively	ADV
cblr-3007	192	38	.	.	PUNCT
cblr-3007	193	1	9	9	NUM
cblr-3007	193	2	the	the	DET
cblr-3007	193	3	unregulated	unregulated	ADJ
cblr-3007	193	4	sector	sector	NOUN
cblr-3007	193	5	barely	barely	ADV
cblr-3007	193	6	budged	budge	VERB
cblr-3007	193	7	in	in	ADP
cblr-3007	193	8	response	response	NOUN
cblr-3007	193	9	to	to	ADP
cblr-3007	193	10	the	the	DET
cblr-3007	193	11	rate	rate	NOUN
cblr-3007	193	12	caps	cap	NOUN
cblr-3007	193	13	in	in	ADP
cblr-3007	193	14	the	the	DET
cblr-3007	193	15	regulated	regulated	ADJ
cblr-3007	193	16	sector	sector	NOUN
cblr-3007	193	17	,	,	PUNCT
cblr-3007	193	18	so	so	SCONJ
cblr-3007	193	19	that	that	SCONJ
cblr-3007	193	20	the	the	DET
cblr-3007	193	21	gap	gap	NOUN
cblr-3007	193	22	in	in	ADP
cblr-3007	193	23	interchange	interchange	NOUN
cblr-3007	193	24	fees	fee	NOUN
cblr-3007	193	25	between	between	ADP
cblr-3007	193	26	the	the	DET
cblr-3007	193	27	two	two	NUM
cblr-3007	193	28	types	type	NOUN
cblr-3007	193	29	of	of	ADP
cblr-3007	193	30	cards	card	NOUN
cblr-3007	193	31	only	only	ADV
cblr-3007	193	32	increased	increase	VERB
cblr-3007	193	33	.	.	PUNCT
cblr-3007	194	1	it	it	PRON
cblr-3007	194	2	seems	seem	VERB
cblr-3007	194	3	odd	odd	ADJ
cblr-3007	194	4	indeed	indeed	ADV
cblr-3007	194	5	that	that	SCONJ
cblr-3007	194	6	the	the	DET
cblr-3007	194	7	regulatory	regulatory	ADJ
cblr-3007	194	8	initiative	initiative	NOUN
cblr-3007	194	9	is	be	AUX
cblr-3007	194	10	directed	direct	VERB
cblr-3007	194	11	exclusively	exclusively	ADV
cblr-3007	194	12	at	at	ADP
cblr-3007	194	13	that	that	DET
cblr-3007	194	14	form	form	NOUN
cblr-3007	194	15	of	of	ADP
cblr-3007	194	16	business	business	NOUN
cblr-3007	194	17	which	which	PRON
cblr-3007	194	18	does	do	VERB
cblr-3007	194	19	better	well	ADV
cblr-3007	194	20	under	under	ADP
cblr-3007	194	21	the	the	DET
cblr-3007	194	22	rba	rba	NOUN
cblr-3007	194	23	's	's	PART
cblr-3007	194	24	own	own	ADJ
cblr-3007	194	25	test	test	NOUN
cblr-3007	194	26	for	for	ADP
cblr-3007	194	27	relevance	relevance	NOUN
cblr-3007	194	28	.	.	PUNCT
cblr-3007	195	1	the	the	DET
cblr-3007	195	2	attack	attack	NOUN
cblr-3007	195	3	on	on	ADP
cblr-3007	195	4	the	the	DET
cblr-3007	195	5	fourparty	fourparty	NOUN
cblr-3007	195	6	,	,	PUNCT
cblr-3007	195	7	open	open	ADJ
cblr-3007	195	8	-	-	PUNCT
cblr-3007	195	9	system	system	NOUN
cblr-3007	195	10	,	,	PUNCT
cblr-3007	195	11	credit	credit	NOUN
cblr-3007	195	12	cards	card	NOUN
cblr-3007	195	13	seems	seem	VERB
cblr-3007	195	14	at	at	ADV
cblr-3007	195	15	best	well	ADV
cblr-3007	195	16	misplaced	misplace	VERB
cblr-3007	195	17	.	.	PUNCT
cblr-3007	196	1	to	to	PART
cblr-3007	196	2	bolster	bolster	VERB
cblr-3007	196	3	its	its	PRON
cblr-3007	196	4	attack	attack	NOUN
cblr-3007	196	5	on	on	ADP
cblr-3007	196	6	these	these	DET
cblr-3007	196	7	four	four	NUM
cblr-3007	196	8	-	-	PUNCT
cblr-3007	196	9	party	party	NOUN
cblr-3007	196	10	credit	credit	NOUN
cblr-3007	196	11	card	card	NOUN
cblr-3007	196	12	systems	system	NOUN
cblr-3007	196	13	,	,	PUNCT
cblr-3007	196	14	however	however	ADV
cblr-3007	196	15	,	,	PUNCT
cblr-3007	196	16	the	the	DET
cblr-3007	196	17	rba	rba	NOUN
cblr-3007	196	18	takes	take	VERB
cblr-3007	196	19	the	the	DET
cblr-3007	196	20	position	position	NOUN
cblr-3007	196	21	that	that	SCONJ
cblr-3007	196	22	the	the	DET
cblr-3007	196	23	transactions	transaction	NOUN
cblr-3007	196	24	involved	involve	VERB
cblr-3007	196	25	in	in	ADP
cblr-3007	196	26	these	these	DET
cblr-3007	196	27	cases	case	NOUN
cblr-3007	196	28	are	be	AUX
cblr-3007	196	29	not	not	PART
cblr-3007	196	30	"	"	PUNCT
cblr-3007	196	31	really	really	ADV
cblr-3007	196	32	"	"	PUNCT
cblr-3007	196	33	consensual	consensual	ADJ
cblr-3007	196	34	at	at	ADV
cblr-3007	196	35	all	all	ADV
cblr-3007	196	36	.	.	PUNCT
cblr-3007	197	1	rather	rather	ADV
cblr-3007	197	2	,	,	PUNCT
cblr-3007	197	3	merchants	merchant	NOUN
cblr-3007	197	4	,	,	PUNCT
cblr-3007	197	5	both	both	CCONJ
cblr-3007	197	6	large	large	ADJ
cblr-3007	197	7	and	and	CCONJ
cblr-3007	197	8	small	small	ADJ
cblr-3007	197	9	,	,	PUNCT
cblr-3007	197	10	succumb	succumb	ADJ
cblr-3007	197	11	to	to	ADP
cblr-3007	197	12	the	the	DET
cblr-3007	197	13	blandishment	blandishment	NOUN
cblr-3007	197	14	of	of	ADP
cblr-3007	197	15	credit	credit	NOUN
cblr-3007	197	16	cards	card	NOUN
cblr-3007	197	17	because	because	SCONJ
cblr-3007	197	18	"	"	PUNCT
cblr-3007	197	19	credit	credit	NOUN
cblr-3007	197	20	card	card	NOUN
cblr-3007	197	21	use	use	NOUN
cblr-3007	197	22	has	have	AUX
cblr-3007	197	23	become	become	VERB
cblr-3007	197	24	so	so	ADV
cblr-3007	197	25	widespread	widespread	ADJ
cblr-3007	197	26	that	that	SCONJ
cblr-3007	197	27	most	most	ADJ
cblr-3007	197	28	merchants	merchant	NOUN
cblr-3007	197	29	believe	believe	VERB
cblr-3007	197	30	they	they	PRON
cblr-3007	197	31	have	have	VERB
cblr-3007	197	32	no	no	DET
cblr-3007	197	33	choice	choice	NOUN
cblr-3007	197	34	but	but	SCONJ
cblr-3007	197	35	to	to	PART
cblr-3007	197	36	accept	accept	VERB
cblr-3007	197	37	credit	credit	NOUN
cblr-3007	197	38	cards	card	NOUN
cblr-3007	197	39	.	.	PUNCT
cblr-3007	198	1	"2	"2	PROPN
cblr-3007	198	2	"	"	PUNCT
cblr-3007	198	3	i	i	PRON
cblr-3007	198	4	use	use	VERB
cblr-3007	198	5	the	the	DET
cblr-3007	198	6	word	word	NOUN
cblr-3007	198	7	"	"	PUNCT
cblr-3007	198	8	really	really	ADV
cblr-3007	198	9	"	"	PUNCT
cblr-3007	198	10	in	in	ADP
cblr-3007	198	11	quotations	quotation	NOUN
cblr-3007	198	12	to	to	PART
cblr-3007	198	13	stress	stress	VERB
cblr-3007	198	14	the	the	DET
cblr-3007	198	15	rba	rba	NOUN
cblr-3007	198	16	's	's	PART
cblr-3007	198	17	questionable	questionable	ADJ
cblr-3007	198	18	insistence	insistence	NOUN
cblr-3007	198	19	that	that	SCONJ
cblr-3007	198	20	merchants	merchant	NOUN
cblr-3007	198	21	have	have	AUX
cblr-3007	198	22	"	"	PUNCT
cblr-3007	198	23	no	no	DET
cblr-3007	198	24	choice	choice	NOUN
cblr-3007	198	25	"	"	PUNCT
cblr-3007	198	26	in	in	ADP
cblr-3007	198	27	this	this	DET
cblr-3007	198	28	critical	critical	ADJ
cblr-3007	198	29	matter	matter	NOUN
cblr-3007	198	30	.	.	PUNCT
cblr-3007	199	1	a	a	DET
cblr-3007	199	2	far	far	ADV
cblr-3007	199	3	simpler	simple	ADJ
cblr-3007	199	4	,	,	PUNCT
cblr-3007	199	5	albeit	albeit	SCONJ
cblr-3007	199	6	more	more	ADV
cblr-3007	199	7	cynical	cynical	ADJ
cblr-3007	199	8	,	,	PUNCT
cblr-3007	199	9	interpretation	interpretation	NOUN
cblr-3007	199	10	of	of	ADP
cblr-3007	199	11	the	the	DET
cblr-3007	199	12	phrase	phrase	NOUN
cblr-3007	199	13	"	"	PUNCT
cblr-3007	199	14	no	no	DET
cblr-3007	199	15	choice	choice	NOUN
cblr-3007	199	16	"	"	PUNCT
cblr-3007	199	17	is	be	AUX
cblr-3007	199	18	that	that	SCONJ
cblr-3007	199	19	merchants	merchant	NOUN
cblr-3007	199	20	like	like	VERB
cblr-3007	199	21	to	to	PART
cblr-3007	199	22	use	use	VERB
cblr-3007	199	23	credit	credit	NOUN
cblr-3007	199	24	cards	card	NOUN
cblr-3007	199	25	,	,	PUNCT
cblr-3007	199	26	but	but	CCONJ
cblr-3007	199	27	,	,	PUNCT
cblr-3007	199	28	like	like	ADP
cblr-3007	199	29	the	the	DET
cblr-3007	199	30	rest	rest	NOUN
cblr-3007	199	31	of	of	ADP
cblr-3007	199	32	humanity	humanity	NOUN
cblr-3007	199	33	,	,	PUNCT
cblr-3007	199	34	would	would	AUX
cblr-3007	199	35	rather	rather	ADV
cblr-3007	199	36	pay	pay	VERB
cblr-3007	199	37	less	less	ADJ
cblr-3007	199	38	for	for	ADP
cblr-3007	199	39	something	something	PRON
cblr-3007	199	40	from	from	ADP
cblr-3007	199	41	which	which	PRON
cblr-3007	199	42	they	they	PRON
cblr-3007	199	43	already	already	ADV
cblr-3007	199	44	derive	derive	VERB
cblr-3007	199	45	net	net	ADJ
cblr-3007	199	46	benefits	benefit	NOUN
cblr-3007	199	47	.	.	PUNCT
cblr-3007	200	1	moreover	moreover	ADV
cblr-3007	200	2	,	,	PUNCT
cblr-3007	200	3	a	a	DET
cblr-3007	200	4	closer	close	ADJ
cblr-3007	200	5	analysis	analysis	NOUN
cblr-3007	200	6	reveals	reveal	VERB
cblr-3007	200	7	the	the	DET
cblr-3007	200	8	conceptual	conceptual	ADJ
cblr-3007	200	9	confusion	confusion	NOUN
cblr-3007	200	10	that	that	PRON
cblr-3007	200	11	surrounds	surround	VERB
cblr-3007	200	12	the	the	DET
cblr-3007	200	13	easy	easy	ADJ
cblr-3007	200	14	invocation	invocation	NOUN
cblr-3007	200	15	of	of	ADP
cblr-3007	200	16	this	this	DET
cblr-3007	200	17	"	"	PUNCT
cblr-3007	200	18	no	no	DET
cblr-3007	200	19	choice	choice	NOUN
cblr-3007	200	20	"	"	PUNCT
cblr-3007	200	21	model	model	NOUN
cblr-3007	200	22	.	.	PUNCT
cblr-3007	201	1	start	start	VERB
cblr-3007	201	2	with	with	ADP
cblr-3007	201	3	this	this	DET
cblr-3007	201	4	question	question	NOUN
cblr-3007	201	5	at	at	ADP
cblr-3007	201	6	the	the	DET
cblr-3007	201	7	institutional	institutional	ADJ
cblr-3007	201	8	level	level	NOUN
cblr-3007	201	9	:	:	PUNCT
cblr-3007	201	10	why	why	SCONJ
cblr-3007	201	11	would	would	AUX
cblr-3007	201	12	consumers	consumer	NOUN
cblr-3007	201	13	and	and	CCONJ
cblr-3007	201	14	merchants	merchant	NOUN
cblr-3007	201	15	choose	choose	VERB
cblr-3007	201	16	to	to	PART
cblr-3007	201	17	support	support	VERB
cblr-3007	201	18	a	a	DET
cblr-3007	201	19	system	system	NOUN
cblr-3007	201	20	of	of	ADP
cblr-3007	201	21	credit	credit	NOUN
cblr-3007	201	22	that	that	PRON
cblr-3007	201	23	is	be	AUX
cblr-3007	201	24	both	both	CCONJ
cblr-3007	201	25	clumsier	clumsy	ADJ
cblr-3007	201	26	and	and	CCONJ
cblr-3007	201	27	less	less	ADV
cblr-3007	201	28	18	18	NUM
cblr-3007	201	29	see	see	NOUN
cblr-3007	201	30	rba	rba	NOUN
cblr-3007	201	31	,	,	PUNCT
cblr-3007	201	32	bulletin	bulletin	NOUN
cblr-3007	201	33	table	table	NOUN
cblr-3007	201	34	c3	c3	PROPN
cblr-3007	201	35	,	,	PUNCT
cblr-3007	201	36	http://www.rba.gov.au/payments	http://www.rba.gov.au/payments	PROPN
cblr-3007	201	37	systemlpaymentsstatistics	systemlpaymentsstatistic	NOUN
cblr-3007	201	38	/	/	SYM
cblr-3007	201	39	paymentsdata.html	paymentsdata.html	PROPN
cblr-3007	201	40	(	(	PUNCT
cblr-3007	201	41	last	last	ADV
cblr-3007	201	42	visited	visit	VERB
cblr-3007	201	43	nov	nov	PROPN
cblr-3007	201	44	.	.	PROPN
cblr-3007	201	45	21	21	NUM
cblr-3007	201	46	,	,	PUNCT
cblr-3007	201	47	2005	2005	NUM
cblr-3007	201	48	)	)	PUNCT
cblr-3007	201	49	.	.	PUNCT
cblr-3007	202	1	19	19	NUM
cblr-3007	203	1	i	i	PRON
cblr-3007	203	2	d.	d.	PROPN
cblr-3007	203	3	20	20	NUM
cblr-3007	203	4	rba	rba	NOUN
cblr-3007	203	5	,	,	PUNCT
cblr-3007	203	6	australian	australian	ADJ
cblr-3007	203	7	reform	reform	NOUN
cblr-3007	203	8	,	,	PUNCT
cblr-3007	203	9	supra	supra	PROPN
cblr-3007	203	10	note	note	NOUN
cblr-3007	203	11	3	3	NUM
cblr-3007	203	12	,	,	PUNCT
cblr-3007	203	13	at	at	ADP
cblr-3007	203	14	i.	i.	PROPN
cblr-3007	203	15	no	no	PROPN
cblr-3007	203	16	.	.	PROPN
cblr-3007	204	1	3:551	3:551	NUM
cblr-3007	204	2	)	)	PUNCT
cblr-3007	204	3	efficient	efficient	ADJ
cblr-3007	204	4	than	than	ADP
cblr-3007	204	5	the	the	DET
cblr-3007	204	6	systems	system	NOUN
cblr-3007	204	7	already	already	ADV
cblr-3007	204	8	in	in	ADP
cblr-3007	204	9	place	place	NOUN
cblr-3007	204	10	,	,	PUNCT
cblr-3007	204	11	i.e.	i.e.	X
cblr-3007	204	12	,	,	PUNCT
cblr-3007	204	13	cash	cash	NOUN
cblr-3007	204	14	and	and	CCONJ
cblr-3007	204	15	checks	check	NOUN
cblr-3007	204	16	?	?	PUNCT
cblr-3007	205	1	the	the	DET
cblr-3007	205	2	slippery	slippery	ADJ
cblr-3007	205	3	phrase	phrase	NOUN
cblr-3007	205	4	"	"	PUNCT
cblr-3007	205	5	no	no	DET
cblr-3007	205	6	choice	choice	NOUN
cblr-3007	205	7	"	"	PUNCT
cblr-3007	205	8	only	only	ADV
cblr-3007	205	9	obscures	obscure	VERB
cblr-3007	205	10	the	the	DET
cblr-3007	205	11	rba	rba	NOUN
cblr-3007	205	12	's	's	PART
cblr-3007	205	13	central	central	ADJ
cblr-3007	205	14	claim	claim	NOUN
cblr-3007	205	15	.	.	PUNCT
cblr-3007	206	1	for	for	ADP
cblr-3007	206	2	example	example	NOUN
cblr-3007	206	3	,	,	PUNCT
cblr-3007	206	4	one	one	NUM
cblr-3007	206	5	colloquial	colloquial	ADJ
cblr-3007	206	6	meaning	meaning	NOUN
cblr-3007	206	7	of	of	ADP
cblr-3007	206	8	the	the	DET
cblr-3007	206	9	phrase	phrase	NOUN
cblr-3007	206	10	"	"	PUNCT
cblr-3007	206	11	i	i	PRON
cblr-3007	206	12	had	have	VERB
cblr-3007	206	13	no	no	DET
cblr-3007	206	14	choice	choice	NOUN
cblr-3007	206	15	"	"	PUNCT
cblr-3007	206	16	refers	refer	VERB
cblr-3007	206	17	to	to	ADP
cblr-3007	206	18	the	the	DET
cblr-3007	206	19	common	common	ADJ
cblr-3007	206	20	situation	situation	NOUN
cblr-3007	206	21	where	where	SCONJ
cblr-3007	206	22	a	a	DET
cblr-3007	206	23	robber	robber	NOUN
cblr-3007	206	24	comes	come	VERB
cblr-3007	206	25	up	up	ADP
cblr-3007	206	26	to	to	ADP
cblr-3007	206	27	you	you	PRON
cblr-3007	206	28	and	and	CCONJ
cblr-3007	206	29	says	say	VERB
cblr-3007	206	30	:	:	PUNCT
cblr-3007	206	31	"	"	PUNCT
cblr-3007	206	32	your	your	PRON
cblr-3007	206	33	money	money	NOUN
cblr-3007	206	34	or	or	CCONJ
cblr-3007	206	35	your	your	PRON
cblr-3007	206	36	life	life	NOUN
cblr-3007	206	37	.	.	PUNCT
cblr-3007	206	38	"	"	PUNCT
cblr-3007	207	1	in	in	ADP
cblr-3007	207	2	one	one	NUM
cblr-3007	207	3	sense	sense	NOUN
cblr-3007	207	4	,	,	PUNCT
cblr-3007	207	5	you	you	PRON
cblr-3007	207	6	remain	remain	VERB
cblr-3007	207	7	,	,	PUNCT
cblr-3007	207	8	to	to	PART
cblr-3007	207	9	misuse	misuse	VERB
cblr-3007	207	10	a	a	DET
cblr-3007	207	11	phrase	phrase	NOUN
cblr-3007	207	12	from	from	ADP
cblr-3007	207	13	milton	milton	PROPN
cblr-3007	207	14	and	and	CCONJ
cblr-3007	207	15	rose	rise	VERB
cblr-3007	207	16	friedman	friedman	PROPN
cblr-3007	207	17	,	,	PUNCT
cblr-3007	207	18	"	"	PUNCT
cblr-3007	207	19	free	free	ADJ
cblr-3007	207	20	to	to	PART
cblr-3007	207	21	choose	choose	VERB
cblr-3007	207	22	"	"	PUNCT
cblr-3007	207	23	either	either	CCONJ
cblr-3007	207	24	alternative	alternative	NOUN
cblr-3007	207	25	.	.	PUNCT
cblr-3007	208	1	yet	yet	ADV
cblr-3007	208	2	,	,	PUNCT
cblr-3007	208	3	anyone	anyone	PRON
cblr-3007	208	4	who	who	PRON
cblr-3007	208	5	decides	decide	VERB
cblr-3007	208	6	to	to	PART
cblr-3007	208	7	hand	hand	VERB
cblr-3007	208	8	over	over	ADP
cblr-3007	208	9	the	the	DET
cblr-3007	208	10	money	money	NOUN
cblr-3007	208	11	can	can	AUX
cblr-3007	208	12	rightly	rightly	ADV
cblr-3007	208	13	say	say	VERB
cblr-3007	208	14	this	this	DET
cblr-3007	208	15	"	"	PUNCT
cblr-3007	208	16	choice	choice	NOUN
cblr-3007	208	17	"	"	PUNCT
cblr-3007	208	18	did	do	AUX
cblr-3007	208	19	not	not	PART
cblr-3007	208	20	count	count	VERB
cblr-3007	208	21	as	as	ADP
cblr-3007	208	22	vindication	vindication	NOUN
cblr-3007	208	23	of	of	ADP
cblr-3007	208	24	free	free	ADJ
cblr-3007	208	25	will	will	NOUN
cblr-3007	208	26	,	,	PUNCT
cblr-3007	208	27	but	but	CCONJ
cblr-3007	208	28	rather	rather	ADV
cblr-3007	208	29	provided	provide	VERB
cblr-3007	208	30	conclusive	conclusive	ADJ
cblr-3007	208	31	evidence	evidence	NOUN
cblr-3007	208	32	of	of	ADP
cblr-3007	208	33	illegal	illegal	ADJ
cblr-3007	208	34	duress	duress	NOUN
cblr-3007	208	35	.	.	PUNCT
cblr-3007	209	1	the	the	DET
cblr-3007	209	2	standard	standard	ADJ
cblr-3007	209	3	libertarian	libertarian	ADJ
cblr-3007	209	4	theory	theory	NOUN
cblr-3007	209	5	,	,	PUNCT
cblr-3007	209	6	which	which	PRON
cblr-3007	209	7	treats	treat	VERB
cblr-3007	209	8	the	the	DET
cblr-3007	209	9	use	use	NOUN
cblr-3007	209	10	of	of	ADP
cblr-3007	209	11	force	force	NOUN
cblr-3007	209	12	as	as	ADP
cblr-3007	209	13	the	the	DET
cblr-3007	209	14	primary	primary	ADJ
cblr-3007	209	15	evil	evil	NOUN
cblr-3007	209	16	,	,	PUNCT
cblr-3007	209	17	has	have	AUX
cblr-3007	209	18	always	always	ADV
cblr-3007	209	19	adopted	adopt	VERB
cblr-3007	209	20	this	this	DET
cblr-3007	209	21	anticircumvention	anticircumvention	NOUN
cblr-3007	209	22	principle	principle	NOUN
cblr-3007	209	23	as	as	ADP
cblr-3007	209	24	its	its	PRON
cblr-3007	209	25	corollary	corollary	NOUN
cblr-3007	209	26	:	:	PUNCT
cblr-3007	209	27	to	to	PART
cblr-3007	209	28	limit	limit	VERB
cblr-3007	209	29	the	the	DET
cblr-3007	209	30	effectiveness	effectiveness	NOUN
cblr-3007	209	31	of	of	ADP
cblr-3007	209	32	force	force	NOUN
cblr-3007	209	33	,	,	PUNCT
cblr-3007	209	34	the	the	DET
cblr-3007	209	35	threat	threat	NOUN
cblr-3007	209	36	of	of	ADP
cblr-3007	209	37	force	force	NOUN
cblr-3007	209	38	must	must	AUX
cblr-3007	209	39	be	be	AUX
cblr-3007	209	40	subject	subject	ADJ
cblr-3007	209	41	to	to	ADP
cblr-3007	209	42	the	the	DET
cblr-3007	209	43	same	same	ADJ
cblr-3007	209	44	prohibitions	prohibition	NOUN
cblr-3007	209	45	and	and	CCONJ
cblr-3007	209	46	coupled	couple	VERB
cblr-3007	209	47	with	with	ADP
cblr-3007	209	48	the	the	DET
cblr-3007	209	49	same	same	ADJ
cblr-3007	209	50	exceptions	exception	NOUN
cblr-3007	209	51	.	.	PUNCT
cblr-3007	210	1	in	in	ADP
cblr-3007	210	2	other	other	ADJ
cblr-3007	210	3	words	word	NOUN
cblr-3007	210	4	,	,	PUNCT
cblr-3007	210	5	a	a	DET
cblr-3007	210	6	threat	threat	NOUN
cblr-3007	210	7	of	of	ADP
cblr-3007	210	8	force	force	NOUN
cblr-3007	210	9	in	in	ADP
cblr-3007	210	10	self	self	NOUN
cblr-3007	210	11	defense	defense	NOUN
cblr-3007	210	12	is	be	AUX
cblr-3007	210	13	as	as	ADV
cblr-3007	210	14	legitimate	legitimate	ADJ
cblr-3007	210	15	as	as	ADP
cblr-3007	210	16	the	the	DET
cblr-3007	210	17	use	use	NOUN
cblr-3007	210	18	of	of	ADP
cblr-3007	210	19	force	force	NOUN
cblr-3007	210	20	.	.	PUNCT
cblr-3007	211	1	any	any	DET
cblr-3007	211	2	threat	threat	NOUN
cblr-3007	211	3	that	that	PRON
cblr-3007	211	4	takes	take	VERB
cblr-3007	211	5	the	the	DET
cblr-3007	211	6	form	form	NOUN
cblr-3007	211	7	"	"	PUNCT
cblr-3007	211	8	your	your	PRON
cblr-3007	211	9	money	money	NOUN
cblr-3007	211	10	or	or	CCONJ
cblr-3007	211	11	your	your	PRON
cblr-3007	211	12	life	life	NOUN
cblr-3007	211	13	"	"	PUNCT
cblr-3007	211	14	is	be	AUX
cblr-3007	211	15	especially	especially	ADV
cblr-3007	211	16	dangerous	dangerous	ADJ
cblr-3007	211	17	because	because	SCONJ
cblr-3007	211	18	it	it	PRON
cblr-3007	211	19	leaves	leave	VERB
cblr-3007	211	20	the	the	DET
cblr-3007	211	21	putative	putative	ADJ
cblr-3007	211	22	wrongdoer	wrongdoer	NOUN
cblr-3007	211	23	better	well	ADV
cblr-3007	211	24	off	off	ADV
cblr-3007	211	25	than	than	SCONJ
cblr-3007	211	26	he	he	PRON
cblr-3007	211	27	would	would	AUX
cblr-3007	211	28	have	have	AUX
cblr-3007	211	29	been	be	AUX
cblr-3007	211	30	had	have	VERB
cblr-3007	211	31	he	he	PRON
cblr-3007	211	32	just	just	ADV
cblr-3007	211	33	used	use	VERB
cblr-3007	211	34	the	the	DET
cblr-3007	211	35	force	force	NOUN
cblr-3007	211	36	itself	itself	PRON
cblr-3007	211	37	.	.	PUNCT
cblr-3007	212	1	you	you	PRON
cblr-3007	212	2	value	value	VERB
cblr-3007	212	3	your	your	PRON
cblr-3007	212	4	life	life	NOUN
cblr-3007	212	5	more	more	ADJ
cblr-3007	212	6	than	than	ADP
cblr-3007	212	7	your	your	PRON
cblr-3007	212	8	money	money	NOUN
cblr-3007	212	9	.	.	PUNCT
cblr-3007	213	1	the	the	DET
cblr-3007	213	2	robber	robber	NOUN
cblr-3007	213	3	values	value	VERB
cblr-3007	213	4	the	the	DET
cblr-3007	213	5	money	money	NOUN
cblr-3007	213	6	more	more	ADJ
cblr-3007	213	7	than	than	ADP
cblr-3007	213	8	your	your	PRON
cblr-3007	213	9	life	life	NOUN
cblr-3007	213	10	.	.	PUNCT
cblr-3007	214	1	individual	individual	ADJ
cblr-3007	214	2	differences	difference	NOUN
cblr-3007	214	3	are	be	AUX
cblr-3007	214	4	not	not	PART
cblr-3007	214	5	important	important	ADJ
cblr-3007	214	6	in	in	ADP
cblr-3007	214	7	this	this	DET
cblr-3007	214	8	stark	stark	ADJ
cblr-3007	214	9	calculation	calculation	NOUN
cblr-3007	214	10	.	.	PUNCT
cblr-3007	215	1	so	so	ADV
cblr-3007	215	2	the	the	DET
cblr-3007	215	3	deal	deal	NOUN
cblr-3007	215	4	is	be	AUX
cblr-3007	215	5	struck	strike	VERB
cblr-3007	215	6	,	,	PUNCT
cblr-3007	215	7	leaving	leave	VERB
cblr-3007	215	8	both	both	DET
cblr-3007	215	9	sides	side	NOUN
cblr-3007	215	10	better	well	ADJ
cblr-3007	215	11	off	off	ADV
cblr-3007	215	12	than	than	ADP
cblr-3007	215	13	under	under	ADP
cblr-3007	215	14	the	the	DET
cblr-3007	215	15	alternative	alternative	NOUN
cblr-3007	215	16	under	under	ADP
cblr-3007	215	17	the	the	DET
cblr-3007	215	18	circumstances	circumstance	NOUN
cblr-3007	215	19	.	.	PUNCT
cblr-3007	216	1	but	but	CCONJ
cblr-3007	216	2	this	this	DET
cblr-3007	216	3	happy	happy	ADJ
cblr-3007	216	4	account	account	NOUN
cblr-3007	216	5	misses	miss	VERB
cblr-3007	216	6	the	the	DET
cblr-3007	216	7	obvious	obvious	ADJ
cblr-3007	216	8	rejoinder	rejoinder	NOUN
cblr-3007	216	9	.	.	PUNCT
cblr-3007	217	1	the	the	DET
cblr-3007	217	2	robber	robber	NOUN
cblr-3007	217	3	has	have	VERB
cblr-3007	217	4	no	no	DET
cblr-3007	217	5	right	right	NOUN
cblr-3007	217	6	to	to	PART
cblr-3007	217	7	put	put	VERB
cblr-3007	217	8	you	you	PRON
cblr-3007	217	9	to	to	ADP
cblr-3007	217	10	that	that	DET
cblr-3007	217	11	choice	choice	NOUN
cblr-3007	217	12	;	;	PUNCT
cblr-3007	217	13	he	he	PRON
cblr-3007	217	14	is	be	AUX
cblr-3007	217	15	not	not	PART
cblr-3007	217	16	like	like	ADP
cblr-3007	217	17	the	the	DET
cblr-3007	217	18	taxman	taxman	NOUN
cblr-3007	217	19	who	who	PRON
cblr-3007	217	20	says	say	VERB
cblr-3007	217	21	:	:	PUNCT
cblr-3007	217	22	"	"	PUNCT
cblr-3007	217	23	give	give	VERB
cblr-3007	217	24	us	we	PRON
cblr-3007	217	25	your	your	PRON
cblr-3007	217	26	cash	cash	NOUN
cblr-3007	217	27	or	or	CCONJ
cblr-3007	217	28	we	we	PRON
cblr-3007	217	29	will	will	AUX
cblr-3007	217	30	seize	seize	VERB
cblr-3007	217	31	your	your	PRON
cblr-3007	217	32	specific	specific	ADJ
cblr-3007	217	33	assets	asset	NOUN
cblr-3007	217	34	to	to	PART
cblr-3007	217	35	pay	pay	VERB
cblr-3007	217	36	your	your	PRON
cblr-3007	217	37	lawful	lawful	ADJ
cblr-3007	217	38	debt	debt	NOUN
cblr-3007	217	39	,	,	PUNCT
cblr-3007	217	40	"	"	PUNCT
cblr-3007	217	41	which	which	PRON
cblr-3007	217	42	is	be	AUX
cblr-3007	217	43	another	another	DET
cblr-3007	217	44	offer	offer	NOUN
cblr-3007	217	45	that	that	PRON
cblr-3007	217	46	works	work	VERB
cblr-3007	217	47	to	to	ADP
cblr-3007	217	48	the	the	DET
cblr-3007	217	49	benefit	benefit	NOUN
cblr-3007	217	50	of	of	ADP
cblr-3007	217	51	both	both	DET
cblr-3007	217	52	sides	side	NOUN
cblr-3007	217	53	.	.	PUNCT
cblr-3007	218	1	rather	rather	ADV
cblr-3007	218	2	,	,	PUNCT
cblr-3007	218	3	when	when	SCONJ
cblr-3007	218	4	facing	face	VERB
cblr-3007	218	5	the	the	DET
cblr-3007	218	6	thief	thief	NOUN
cblr-3007	218	7	,	,	PUNCT
cblr-3007	218	8	you	you	PRON
cblr-3007	218	9	are	be	AUX
cblr-3007	218	10	entitled	entitle	VERB
cblr-3007	218	11	to	to	ADP
cblr-3007	218	12	both	both	PRON
cblr-3007	218	13	your	your	PRON
cblr-3007	218	14	money	money	NOUN
cblr-3007	218	15	and	and	CCONJ
cblr-3007	218	16	your	your	PRON
cblr-3007	218	17	life	life	NOUN
cblr-3007	218	18	,	,	PUNCT
cblr-3007	218	19	so	so	ADV
cblr-3007	218	20	,	,	PUNCT
cblr-3007	218	21	therefore	therefore	ADV
cblr-3007	218	22	,	,	PUNCT
cblr-3007	218	23	his	his	PRON
cblr-3007	218	24	"	"	PUNCT
cblr-3007	218	25	choice	choice	NOUN
cblr-3007	218	26	"	"	PUNCT
cblr-3007	218	27	gives	give	VERB
cblr-3007	218	28	you	you	PRON
cblr-3007	218	29	only	only	ADV
cblr-3007	218	30	a	a	DET
cblr-3007	218	31	means	mean	NOUN
cblr-3007	218	32	of	of	ADP
cblr-3007	218	33	minimizing	minimize	VERB
cblr-3007	218	34	loss	loss	NOUN
cblr-3007	218	35	,	,	PUNCT
cblr-3007	218	36	not	not	PART
cblr-3007	218	37	securing	secure	VERB
cblr-3007	218	38	gain	gain	NOUN
cblr-3007	218	39	from	from	ADP
cblr-3007	218	40	the	the	DET
cblr-3007	218	41	prethreat	prethreat	ADJ
cblr-3007	218	42	state	state	NOUN
cblr-3007	218	43	of	of	ADP
cblr-3007	218	44	the	the	DET
cblr-3007	218	45	world	world	NOUN
cblr-3007	218	46	.	.	PUNCT
cblr-3007	219	1	contrast	contrast	VERB
cblr-3007	219	2	that	that	DET
cblr-3007	219	3	position	position	NOUN
cblr-3007	219	4	with	with	ADP
cblr-3007	219	5	the	the	DET
cblr-3007	219	6	ordinary	ordinary	ADJ
cblr-3007	219	7	business	business	NOUN
cblr-3007	219	8	offer	offer	NOUN
cblr-3007	219	9	in	in	ADP
cblr-3007	219	10	which	which	PRON
cblr-3007	219	11	you	you	PRON
cblr-3007	219	12	have	have	VERB
cblr-3007	219	13	to	to	PART
cblr-3007	219	14	choose	choose	VERB
cblr-3007	219	15	between	between	ADP
cblr-3007	219	16	your	your	PRON
cblr-3007	219	17	money	money	NOUN
cblr-3007	219	18	and	and	CCONJ
cblr-3007	219	19	his	his	PRON
cblr-3007	219	20	goods	good	NOUN
cblr-3007	219	21	.	.	PUNCT
cblr-3007	220	1	the	the	DET
cblr-3007	220	2	mere	mere	ADJ
cblr-3007	220	3	presence	presence	NOUN
cblr-3007	220	4	or	or	CCONJ
cblr-3007	220	5	absence	absence	NOUN
cblr-3007	220	6	of	of	ADP
cblr-3007	220	7	choice	choice	NOUN
cblr-3007	220	8	is	be	AUX
cblr-3007	220	9	neither	neither	CCONJ
cblr-3007	220	10	here	here	ADV
cblr-3007	220	11	nor	nor	CCONJ
cblr-3007	220	12	there	there	ADV
cblr-3007	220	13	.	.	PUNCT
cblr-3007	221	1	the	the	DET
cblr-3007	221	2	choice	choice	NOUN
cblr-3007	221	3	given	give	VERB
cblr-3007	221	4	to	to	ADP
cblr-3007	221	5	you	you	PRON
cblr-3007	221	6	by	by	ADP
cblr-3007	221	7	the	the	DET
cblr-3007	221	8	robber	robber	NOUN
cblr-3007	221	9	does	do	AUX
cblr-3007	221	10	not	not	PART
cblr-3007	221	11	generate	generate	VERB
cblr-3007	221	12	systematic	systematic	ADJ
cblr-3007	221	13	win	win	NOUN
cblr-3007	221	14	-	-	PUNCT
cblr-3007	221	15	win	win	NOUN
cblr-3007	221	16	outcomes	outcome	NOUN
cblr-3007	221	17	.	.	PUNCT
cblr-3007	222	1	market	market	NOUN
cblr-3007	222	2	exchanges	exchange	NOUN
cblr-3007	222	3	do	do	VERB
cblr-3007	222	4	.	.	PUNCT
cblr-3007	223	1	[	[	X
cblr-3007	223	2	vol	vol	NOUN
cblr-3007	223	3	.	.	PUNCT
cblr-3007	224	1	2005col	2005col	NUM
cblr-3007	224	2	umbia	umbia	NOUN
cblr-3007	225	1	b	b	PROPN
cblr-3007	226	1	usiness	usiness	PROPN
cblr-3007	226	2	la	la	PROPN
cblr-3007	226	3	w	w	PROPN
cblr-3007	226	4	re	re	PROPN
cblr-3007	226	5	vie	vie	PROPN
cblr-3007	226	6	w	w	PROPN
cblr-3007	226	7	the	the	DET
cblr-3007	226	8	regula	regula	NOUN
cblr-3007	226	9	tion	tion	NOUN
cblr-3007	226	10	of	of	ADP
cblr-3007	226	11	interchange	interchange	NOUN
cblr-3007	226	12	fees	fee	NOUN
cblr-3007	226	13	against	against	ADP
cblr-3007	226	14	that	that	DET
cblr-3007	226	15	backdrop	backdrop	NOUN
cblr-3007	226	16	,	,	PUNCT
cblr-3007	226	17	the	the	DET
cblr-3007	226	18	phrase	phrase	NOUN
cblr-3007	226	19	"	"	PUNCT
cblr-3007	226	20	no	no	DET
cblr-3007	226	21	choice	choice	NOUN
cblr-3007	226	22	"	"	PUNCT
cblr-3007	226	23	in	in	ADP
cblr-3007	226	24	the	the	DET
cblr-3007	226	25	rba	rba	NOUN
cblr-3007	226	26	report	report	NOUN
cblr-3007	226	27	gains	gain	VERB
cblr-3007	226	28	no	no	DET
cblr-3007	226	29	traction	traction	NOUN
cblr-3007	226	30	from	from	ADP
cblr-3007	226	31	the	the	DET
cblr-3007	226	32	common	common	ADJ
cblr-3007	226	33	law	law	NOUN
cblr-3007	226	34	cases	case	NOUN
cblr-3007	226	35	of	of	ADP
cblr-3007	226	36	duress	duress	NOUN
cblr-3007	226	37	.	.	PUNCT
cblr-3007	227	1	rather	rather	ADV
cblr-3007	227	2	,	,	PUNCT
cblr-3007	227	3	all	all	DET
cblr-3007	227	4	credit	credit	NOUN
cblr-3007	227	5	transactions	transaction	NOUN
cblr-3007	227	6	fall	fall	VERB
cblr-3007	227	7	within	within	ADP
cblr-3007	227	8	the	the	DET
cblr-3007	227	9	domain	domain	NOUN
cblr-3007	227	10	of	of	ADP
cblr-3007	227	11	win	win	NOUN
cblr-3007	227	12	-	-	PUNCT
cblr-3007	227	13	win	win	NOUN
cblr-3007	227	14	transactions	transaction	NOUN
cblr-3007	227	15	,	,	PUNCT
cblr-3007	227	16	where	where	SCONJ
cblr-3007	227	17	the	the	DET
cblr-3007	227	18	only	only	ADJ
cblr-3007	227	19	quarrel	quarrel	NOUN
cblr-3007	227	20	is	be	AUX
cblr-3007	227	21	over	over	ADP
cblr-3007	227	22	the	the	DET
cblr-3007	227	23	size	size	NOUN
cblr-3007	227	24	of	of	ADP
cblr-3007	227	25	the	the	DET
cblr-3007	227	26	gain	gain	NOUN
cblr-3007	227	27	for	for	ADP
cblr-3007	227	28	each	each	DET
cblr-3007	227	29	party	party	NOUN
cblr-3007	227	30	.	.	PUNCT
cblr-3007	228	1	nor	nor	CCONJ
cblr-3007	228	2	could	could	AUX
cblr-3007	228	3	it	it	PRON
cblr-3007	228	4	be	be	AUX
cblr-3007	228	5	otherwise	otherwise	ADV
cblr-3007	228	6	.	.	PUNCT
cblr-3007	229	1	if	if	SCONJ
cblr-3007	229	2	the	the	DET
cblr-3007	229	3	credit	credit	NOUN
cblr-3007	229	4	card	card	NOUN
cblr-3007	229	5	system	system	NOUN
cblr-3007	229	6	is	be	AUX
cblr-3007	229	7	as	as	ADV
cblr-3007	229	8	inefficient	inefficient	ADJ
cblr-3007	229	9	as	as	SCONJ
cblr-3007	229	10	the	the	DET
cblr-3007	229	11	rba	rba	NOUN
cblr-3007	229	12	supposes	suppose	VERB
cblr-3007	229	13	,	,	PUNCT
cblr-3007	229	14	then	then	ADV
cblr-3007	229	15	any	any	DET
cblr-3007	229	16	merchant	merchant	NOUN
cblr-3007	229	17	could	could	AUX
cblr-3007	229	18	effortlessly	effortlessly	ADV
cblr-3007	229	19	decide	decide	VERB
cblr-3007	229	20	to	to	PART
cblr-3007	229	21	accept	accept	VERB
cblr-3007	229	22	only	only	ADJ
cblr-3007	229	23	cash	cash	NOUN
cblr-3007	229	24	,	,	PUNCT
cblr-3007	229	25	checks	check	NOUN
cblr-3007	229	26	,	,	PUNCT
cblr-3007	229	27	or	or	CCONJ
cblr-3007	229	28	debit	debit	VERB
cblr-3007	229	29	cards	card	NOUN
cblr-3007	229	30	and	and	CCONJ
cblr-3007	229	31	eliminate	eliminate	VERB
cblr-3007	229	32	the	the	DET
cblr-3007	229	33	other	other	ADJ
cblr-3007	229	34	options	option	NOUN
cblr-3007	229	35	.	.	PUNCT
cblr-3007	230	1	this	this	DET
cblr-3007	230	2	unilateral	unilateral	ADJ
cblr-3007	230	3	threat	threat	NOUN
cblr-3007	230	4	(	(	PUNCT
cblr-3007	230	5	or	or	CCONJ
cblr-3007	230	6	option	option	NOUN
cblr-3007	230	7	)	)	PUNCT
cblr-3007	230	8	to	to	PART
cblr-3007	230	9	withdraw	withdraw	VERB
cblr-3007	230	10	is	be	AUX
cblr-3007	230	11	perfectly	perfectly	ADV
cblr-3007	230	12	credible	credible	ADJ
cblr-3007	230	13	no	no	ADV
cblr-3007	230	14	matter	matter	ADV
cblr-3007	230	15	what	what	DET
cblr-3007	230	16	decision	decision	NOUN
cblr-3007	230	17	other	other	ADJ
cblr-3007	230	18	merchants	merchant	NOUN
cblr-3007	230	19	make	make	VERB
cblr-3007	230	20	regarding	regard	VERB
cblr-3007	230	21	which	which	DET
cblr-3007	230	22	payment	payment	NOUN
cblr-3007	230	23	methods	method	NOUN
cblr-3007	230	24	to	to	PART
cblr-3007	230	25	accept	accept	VERB
cblr-3007	230	26	.	.	PUNCT
cblr-3007	231	1	to	to	PART
cblr-3007	231	2	avoid	avoid	VERB
cblr-3007	231	3	this	this	DET
cblr-3007	231	4	conclusion	conclusion	NOUN
cblr-3007	231	5	,	,	PUNCT
cblr-3007	231	6	the	the	DET
cblr-3007	231	7	rba	rba	NOUN
cblr-3007	231	8	takes	take	VERB
cblr-3007	231	9	the	the	DET
cblr-3007	231	10	position	position	NOUN
cblr-3007	231	11	of	of	ADP
cblr-3007	231	12	the	the	DET
cblr-3007	231	13	marginal	marginal	ADJ
cblr-3007	231	14	merchant	merchant	NOUN
cblr-3007	231	15	,	,	PUNCT
cblr-3007	231	16	who	who	PRON
cblr-3007	231	17	must	must	AUX
cblr-3007	231	18	decide	decide	VERB
cblr-3007	231	19	whether	whether	SCONJ
cblr-3007	231	20	to	to	PART
cblr-3007	231	21	stay	stay	VERB
cblr-3007	231	22	in	in	ADP
cblr-3007	231	23	the	the	DET
cblr-3007	231	24	game	game	NOUN
cblr-3007	231	25	or	or	CCONJ
cblr-3007	231	26	forego	forego	VERB
cblr-3007	231	27	the	the	DET
cblr-3007	231	28	enormous	enormous	ADJ
cblr-3007	231	29	benefits	benefit	NOUN
cblr-3007	231	30	that	that	PRON
cblr-3007	231	31	credit	credit	NOUN
cblr-3007	231	32	cards	card	NOUN
cblr-3007	231	33	have	have	VERB
cblr-3007	231	34	"	"	PUNCT
cblr-3007	231	35	of	of	ADP
cblr-3007	231	36	attracting	attract	VERB
cblr-3007	231	37	sales	sale	NOUN
cblr-3007	231	38	from	from	ADP
cblr-3007	231	39	,	,	PUNCT
cblr-3007	231	40	or	or	CCONJ
cblr-3007	231	41	not	not	PART
cblr-3007	231	42	losing	lose	VERB
cblr-3007	231	43	sales	sale	NOUN
cblr-3007	231	44	to	to	ADP
cblr-3007	231	45	,	,	PUNCT
cblr-3007	231	46	rival	rival	ADJ
cblr-3007	231	47	merchants	merchant	NOUN
cblr-3007	231	48	.	.	PUNCT
cblr-3007	232	1	"21	"21	INTJ
cblr-3007	233	1	but	but	CCONJ
cblr-3007	233	2	if	if	SCONJ
cblr-3007	233	3	the	the	DET
cblr-3007	233	4	basic	basic	ADJ
cblr-3007	233	5	assumption	assumption	NOUN
cblr-3007	233	6	is	be	AUX
cblr-3007	233	7	that	that	SCONJ
cblr-3007	233	8	credit	credit	NOUN
cblr-3007	233	9	cards	card	NOUN
cblr-3007	233	10	are	be	AUX
cblr-3007	233	11	inefficient	inefficient	ADJ
cblr-3007	233	12	,	,	PUNCT
cblr-3007	233	13	then	then	ADV
cblr-3007	233	14	this	this	DET
cblr-3007	233	15	dodge	dodge	VERB
cblr-3007	233	16	fails	fail	VERB
cblr-3007	233	17	because	because	SCONJ
cblr-3007	233	18	it	it	PRON
cblr-3007	233	19	does	do	AUX
cblr-3007	233	20	not	not	PART
cblr-3007	233	21	acknowledge	acknowledge	VERB
cblr-3007	233	22	the	the	DET
cblr-3007	233	23	last	last	ADJ
cblr-3007	233	24	crucial	crucial	ADJ
cblr-3007	233	25	step	step	NOUN
cblr-3007	233	26	:	:	PUNCT
cblr-3007	233	27	why	why	SCONJ
cblr-3007	233	28	is	be	AUX
cblr-3007	233	29	it	it	PRON
cblr-3007	233	30	necessary	necessary	ADJ
cblr-3007	233	31	for	for	SCONJ
cblr-3007	233	32	any	any	DET
cblr-3007	233	33	merchant	merchant	NOUN
cblr-3007	233	34	to	to	PART
cblr-3007	233	35	join	join	VERB
cblr-3007	233	36	an	an	DET
cblr-3007	233	37	inefficient	inefficient	ADJ
cblr-3007	233	38	system	system	NOUN
cblr-3007	233	39	to	to	PART
cblr-3007	233	40	attract	attract	VERB
cblr-3007	233	41	customers	customer	NOUN
cblr-3007	233	42	from	from	ADP
cblr-3007	233	43	rival	rival	ADJ
cblr-3007	233	44	merchants	merchant	NOUN
cblr-3007	233	45	or	or	CCONJ
cblr-3007	233	46	to	to	PART
cblr-3007	233	47	keep	keep	VERB
cblr-3007	233	48	them	they	PRON
cblr-3007	233	49	from	from	ADP
cblr-3007	233	50	sliding	slide	VERB
cblr-3007	233	51	off	off	ADP
cblr-3007	233	52	to	to	ADP
cblr-3007	233	53	competitors	competitor	NOUN
cblr-3007	233	54	?	?	PUNCT
cblr-3007	234	1	to	to	PART
cblr-3007	234	2	see	see	VERB
cblr-3007	234	3	why	why	SCONJ
cblr-3007	234	4	,	,	PUNCT
cblr-3007	234	5	think	think	VERB
cblr-3007	234	6	of	of	ADP
cblr-3007	234	7	this	this	PRON
cblr-3007	234	8	as	as	ADP
cblr-3007	234	9	a	a	DET
cblr-3007	234	10	prisoner	prisoner	NOUN
cblr-3007	234	11	's	's	PART
cblr-3007	234	12	dilemma	dilemma	NOUN
cblr-3007	234	13	game	game	NOUN
cblr-3007	234	14	in	in	ADP
cblr-3007	234	15	which	which	PRON
cblr-3007	234	16	each	each	DET
cblr-3007	234	17	merchant	merchant	NOUN
cblr-3007	234	18	,	,	PUNCT
cblr-3007	234	19	acting	act	VERB
cblr-3007	234	20	out	out	ADP
cblr-3007	234	21	of	of	ADP
cblr-3007	234	22	narrow	narrow	ADJ
cblr-3007	234	23	self	self	NOUN
cblr-3007	234	24	-	-	PUNCT
cblr-3007	234	25	interest	interest	NOUN
cblr-3007	234	26	,	,	PUNCT
cblr-3007	234	27	has	have	VERB
cblr-3007	234	28	the	the	DET
cblr-3007	234	29	option	option	NOUN
cblr-3007	234	30	to	to	PART
cblr-3007	234	31	participate	participate	VERB
cblr-3007	234	32	in	in	ADP
cblr-3007	234	33	or	or	CCONJ
cblr-3007	234	34	opt	opt	VERB
cblr-3007	234	35	out	out	ADP
cblr-3007	234	36	of	of	ADP
cblr-3007	234	37	the	the	DET
cblr-3007	234	38	credit	credit	NOUN
cblr-3007	234	39	card	card	NOUN
cblr-3007	234	40	system	system	NOUN
cblr-3007	234	41	.	.	PUNCT
cblr-3007	235	1	opting	opt	VERB
cblr-3007	235	2	out	out	ADP
cblr-3007	235	3	is	be	AUX
cblr-3007	235	4	the	the	DET
cblr-3007	235	5	dominant	dominant	ADJ
cblr-3007	235	6	solution	solution	NOUN
cblr-3007	235	7	.	.	PUNCT
cblr-3007	236	1	if	if	SCONJ
cblr-3007	236	2	other	other	ADJ
cblr-3007	236	3	merchants	merchant	NOUN
cblr-3007	236	4	cling	cle	VERB
cblr-3007	236	5	to	to	ADP
cblr-3007	236	6	the	the	DET
cblr-3007	236	7	expensive	expensive	ADJ
cblr-3007	236	8	system	system	NOUN
cblr-3007	236	9	,	,	PUNCT
cblr-3007	236	10	then	then	ADV
cblr-3007	236	11	the	the	DET
cblr-3007	236	12	single	single	ADJ
cblr-3007	236	13	merchant	merchant	NOUN
cblr-3007	236	14	that	that	PRON
cblr-3007	236	15	lowers	lower	VERB
cblr-3007	236	16	prices	price	NOUN
cblr-3007	236	17	by	by	ADP
cblr-3007	236	18	one	one	NUM
cblr-3007	236	19	or	or	CCONJ
cblr-3007	236	20	two	two	NUM
cblr-3007	236	21	percent	percent	NOUN
cblr-3007	236	22	has	have	VERB
cblr-3007	236	23	a	a	DET
cblr-3007	236	24	real	real	ADJ
cblr-3007	236	25	advantage	advantage	NOUN
cblr-3007	236	26	for	for	ADP
cblr-3007	236	27	himself	himself	PRON
cblr-3007	236	28	.	.	PUNCT
cblr-3007	237	1	thus	thus	ADV
cblr-3007	237	2	,	,	PUNCT
cblr-3007	237	3	he	he	PRON
cblr-3007	237	4	should	should	AUX
cblr-3007	237	5	defect	defect	VERB
cblr-3007	237	6	from	from	ADP
cblr-3007	237	7	credit	credit	NOUN
cblr-3007	237	8	cards	card	NOUN
cblr-3007	237	9	.	.	PUNCT
cblr-3007	238	1	alternatively	alternatively	ADV
cblr-3007	238	2	,	,	PUNCT
cblr-3007	238	3	if	if	SCONJ
cblr-3007	238	4	the	the	DET
cblr-3007	238	5	other	other	ADJ
cblr-3007	238	6	merchants	merchant	NOUN
cblr-3007	238	7	opt	opt	VERB
cblr-3007	238	8	out	out	ADP
cblr-3007	238	9	,	,	PUNCT
cblr-3007	238	10	then	then	ADV
cblr-3007	238	11	the	the	DET
cblr-3007	238	12	no	no	DET
cblr-3007	238	13	-	-	PUNCT
cblr-3007	238	14	credit	credit	NOUN
cblr-3007	238	15	card	card	NOUN
cblr-3007	238	16	strategy	strategy	NOUN
cblr-3007	238	17	is	be	AUX
cblr-3007	238	18	needed	need	VERB
cblr-3007	238	19	to	to	PART
cblr-3007	238	20	keep	keep	VERB
cblr-3007	238	21	pace	pace	NOUN
cblr-3007	238	22	with	with	ADP
cblr-3007	238	23	others	other	NOUN
cblr-3007	238	24	who	who	PRON
cblr-3007	238	25	have	have	AUX
cblr-3007	238	26	previously	previously	ADV
cblr-3007	238	27	adopted	adopt	VERB
cblr-3007	238	28	the	the	DET
cblr-3007	238	29	no	no	DET
cblr-3007	238	30	-	-	PUNCT
cblr-3007	238	31	credit	credit	NOUN
cblr-3007	238	32	card	card	NOUN
cblr-3007	238	33	strategy	strategy	NOUN
cblr-3007	238	34	.	.	PUNCT
cblr-3007	239	1	he	he	PRON
cblr-3007	239	2	should	should	AUX
cblr-3007	239	3	defect	defect	VERB
cblr-3007	239	4	again	again	ADV
cblr-3007	239	5	.	.	PUNCT
cblr-3007	240	1	if	if	SCONJ
cblr-3007	240	2	the	the	DET
cblr-3007	240	3	credit	credit	NOUN
cblr-3007	240	4	card	card	NOUN
cblr-3007	240	5	system	system	NOUN
cblr-3007	240	6	offers	offer	VERB
cblr-3007	240	7	a	a	DET
cblr-3007	240	8	more	more	ADV
cblr-3007	240	9	expensive	expensive	ADJ
cblr-3007	240	10	payment	payment	NOUN
cblr-3007	240	11	system	system	NOUN
cblr-3007	240	12	without	without	ADP
cblr-3007	240	13	offsetting	offset	VERB
cblr-3007	240	14	benefits	benefit	NOUN
cblr-3007	240	15	,	,	PUNCT
cblr-3007	240	16	then	then	ADV
cblr-3007	240	17	the	the	DET
cblr-3007	240	18	migration	migration	NOUN
cblr-3007	240	19	from	from	ADP
cblr-3007	240	20	it	it	PRON
cblr-3007	240	21	should	should	AUX
cblr-3007	240	22	be	be	AUX
cblr-3007	240	23	fast	fast	ADJ
cblr-3007	240	24	and	and	CCONJ
cblr-3007	240	25	furious	furious	ADJ
cblr-3007	240	26	,	,	PUNCT
cblr-3007	240	27	as	as	SCONJ
cblr-3007	240	28	each	each	DET
cblr-3007	240	29	merchant	merchant	NOUN
cblr-3007	240	30	follows	follow	VERB
cblr-3007	240	31	the	the	DET
cblr-3007	240	32	dominant	dominant	ADJ
cblr-3007	240	33	strategy	strategy	NOUN
cblr-3007	240	34	of	of	ADP
cblr-3007	240	35	ditching	ditch	VERB
cblr-3007	240	36	credit	credit	NOUN
cblr-3007	240	37	cards	card	NOUN
cblr-3007	240	38	in	in	ADP
cblr-3007	240	39	favor	favor	NOUN
cblr-3007	240	40	of	of	ADP
cblr-3007	240	41	cheaper	cheap	ADJ
cblr-3007	240	42	cash	cash	NOUN
cblr-3007	240	43	,	,	PUNCT
cblr-3007	240	44	check	check	NOUN
cblr-3007	240	45	,	,	PUNCT
cblr-3007	240	46	or	or	CCONJ
cblr-3007	240	47	debit	debit	VERB
cblr-3007	240	48	card	card	NOUN
cblr-3007	240	49	payments	payment	NOUN
cblr-3007	240	50	.	.	PUNCT
cblr-3007	241	1	there	there	PRON
cblr-3007	241	2	is	be	VERB
cblr-3007	241	3	no	no	DET
cblr-3007	241	4	need	need	NOUN
cblr-3007	241	5	for	for	SCONJ
cblr-3007	241	6	government	government	NOUN
cblr-3007	241	7	action	action	NOUN
cblr-3007	241	8	to	to	PART
cblr-3007	241	9	eliminate	eliminate	VERB
cblr-3007	241	10	the	the	DET
cblr-3007	241	11	21	21	NUM
cblr-3007	241	12	i	i	PRON
cblr-3007	241	13	d.	d.	PROPN
cblr-3007	241	14	at	at	ADP
cblr-3007	241	15	i.	i.	PROPN
cblr-3007	241	16	no	no	PROPN
cblr-3007	241	17	.	.	PUNCT
cblr-3007	242	1	3:5511	3:5511	NUM
cblr-3007	242	2	columbia	columbia	PROPN
cblr-3007	242	3	business	business	NOUN
cblr-3007	242	4	law	law	PROPN
cblr-3007	242	5	review	review	NOUN
cblr-3007	242	6	dreaded	dread	VERB
cblr-3007	242	7	cross	cross	NOUN
cblr-3007	242	8	-	-	ADJ
cblr-3007	242	9	subsidy	subsidy	ADJ
cblr-3007	242	10	.	.	PUNCT
cblr-3007	243	1	merchants	merchant	NOUN
cblr-3007	243	2	can	can	AUX
cblr-3007	243	3	do	do	VERB
cblr-3007	243	4	this	this	PRON
cblr-3007	243	5	unilaterally	unilaterally	ADV
cblr-3007	243	6	.	.	PUNCT
cblr-3007	244	1	when	when	SCONJ
cblr-3007	244	2	they	they	PRON
cblr-3007	244	3	do	do	VERB
cblr-3007	244	4	,	,	PUNCT
cblr-3007	244	5	the	the	DET
cblr-3007	244	6	people	people	NOUN
cblr-3007	244	7	who	who	PRON
cblr-3007	244	8	invest	invest	VERB
cblr-3007	244	9	in	in	ADP
cblr-3007	244	10	credit	credit	NOUN
cblr-3007	244	11	cards	card	NOUN
cblr-3007	244	12	will	will	AUX
cblr-3007	244	13	cut	cut	VERB
cblr-3007	244	14	them	they	PRON
cblr-3007	244	15	in	in	ADP
cblr-3007	244	16	half	half	NOUN
cblr-3007	244	17	precisely	precisely	ADV
cblr-3007	244	18	because	because	SCONJ
cblr-3007	244	19	they	they	PRON
cblr-3007	244	20	have	have	VERB
cblr-3007	244	21	no	no	DET
cblr-3007	244	22	reason	reason	NOUN
cblr-3007	244	23	to	to	PART
cblr-3007	244	24	clutter	clutter	VERB
cblr-3007	244	25	up	up	ADP
cblr-3007	244	26	their	their	PRON
cblr-3007	244	27	wallets	wallet	NOUN
cblr-3007	244	28	.	.	PUNCT
cblr-3007	245	1	yet	yet	ADV
cblr-3007	245	2	,	,	PUNCT
cblr-3007	245	3	that	that	PRON
cblr-3007	245	4	is	be	AUX
cblr-3007	245	5	just	just	ADV
cblr-3007	245	6	not	not	PART
cblr-3007	245	7	in	in	ADP
cblr-3007	245	8	the	the	DET
cblr-3007	245	9	(	(	PUNCT
cblr-3007	245	10	credit	credit	NOUN
cblr-3007	245	11	)	)	PUNCT
cblr-3007	245	12	cards	card	NOUN
cblr-3007	245	13	.	.	PUNCT
cblr-3007	246	1	instead	instead	ADV
cblr-3007	246	2	,	,	PUNCT
cblr-3007	246	3	we	we	PRON
cblr-3007	246	4	see	see	VERB
cblr-3007	246	5	the	the	DET
cblr-3007	246	6	reverse	reverse	ADJ
cblr-3007	246	7	flow	flow	NOUN
cblr-3007	246	8	taking	take	VERB
cblr-3007	246	9	place	place	NOUN
cblr-3007	246	10	as	as	ADP
cblr-3007	246	11	lower	low	ADJ
cblr-3007	246	12	transaction	transaction	NOUN
cblr-3007	246	13	costs	cost	NOUN
cblr-3007	246	14	,	,	PUNCT
cblr-3007	246	15	in	in	ADP
cblr-3007	246	16	the	the	DET
cblr-3007	246	17	form	form	NOUN
cblr-3007	246	18	of	of	ADP
cblr-3007	246	19	faster	fast	ADJ
cblr-3007	246	20	computers	computer	NOUN
cblr-3007	246	21	,	,	PUNCT
cblr-3007	246	22	more	more	ADV
cblr-3007	246	23	reliable	reliable	ADJ
cblr-3007	246	24	scoring	scoring	NOUN
cblr-3007	246	25	methods	method	NOUN
cblr-3007	246	26	,	,	PUNCT
cblr-3007	246	27	and	and	CCONJ
cblr-3007	246	28	other	other	ADJ
cblr-3007	246	29	improvements	improvement	NOUN
cblr-3007	246	30	,	,	PUNCT
cblr-3007	246	31	have	have	AUX
cblr-3007	246	32	led	lead	VERB
cblr-3007	246	33	the	the	DET
cblr-3007	246	34	credit	credit	NOUN
cblr-3007	246	35	card	card	NOUN
cblr-3007	246	36	market	market	NOUN
cblr-3007	246	37	to	to	PART
cblr-3007	246	38	expand	expand	VERB
cblr-3007	246	39	into	into	ADP
cblr-3007	246	40	niches	niche	NOUN
cblr-3007	246	41	that	that	PRON
cblr-3007	246	42	it	it	PRON
cblr-3007	246	43	had	have	AUX
cblr-3007	246	44	not	not	PART
cblr-3007	246	45	previously	previously	ADV
cblr-3007	246	46	penetrated	penetrate	VERB
cblr-3007	246	47	.	.	PUNCT
cblr-3007	247	1	five	five	NUM
cblr-3007	247	2	or	or	CCONJ
cblr-3007	247	3	ten	ten	NUM
cblr-3007	247	4	years	year	NOUN
cblr-3007	247	5	ago	ago	ADV
cblr-3007	247	6	,	,	PUNCT
cblr-3007	247	7	credit	credit	NOUN
cblr-3007	247	8	cards	card	NOUN
cblr-3007	247	9	were	be	AUX
cblr-3007	247	10	not	not	PART
cblr-3007	247	11	accepted	accept	VERB
cblr-3007	247	12	at	at	ADP
cblr-3007	247	13	fast	fast	ADJ
cblr-3007	247	14	food	food	NOUN
cblr-3007	247	15	outlets	outlet	NOUN
cblr-3007	247	16	like	like	ADP
cblr-3007	247	17	mcdonald	mcdonald	PROPN
cblr-3007	247	18	's	's	PART
cblr-3007	247	19	and	and	CCONJ
cblr-3007	247	20	subway	subway	NOUN
cblr-3007	247	21	.	.	PUNCT
cblr-3007	248	1	the	the	DET
cblr-3007	248	2	sums	sum	NOUN
cblr-3007	248	3	were	be	AUX
cblr-3007	248	4	too	too	ADV
cblr-3007	248	5	small	small	ADJ
cblr-3007	248	6	and	and	CCONJ
cblr-3007	248	7	the	the	DET
cblr-3007	248	8	per	per	X
cblr-3007	248	9	transaction	transaction	NOUN
cblr-3007	248	10	costs	cost	NOUN
cblr-3007	248	11	were	be	AUX
cblr-3007	248	12	too	too	ADV
cblr-3007	248	13	high	high	ADJ
cblr-3007	248	14	.	.	PUNCT
cblr-3007	249	1	if	if	SCONJ
cblr-3007	249	2	the	the	DET
cblr-3007	249	3	rba	rba	NOUN
cblr-3007	249	4	's	's	PART
cblr-3007	249	5	assumptions	assumption	NOUN
cblr-3007	249	6	were	be	AUX
cblr-3007	249	7	correct	correct	ADJ
cblr-3007	249	8	,	,	PUNCT
cblr-3007	249	9	this	this	DET
cblr-3007	249	10	equilibrium	equilibrium	NOUN
cblr-3007	249	11	should	should	AUX
cblr-3007	249	12	have	have	AUX
cblr-3007	249	13	proven	prove	VERB
cblr-3007	249	14	stable	stable	ADJ
cblr-3007	249	15	because	because	SCONJ
cblr-3007	249	16	every	every	DET
cblr-3007	249	17	firm	firm	NOUN
cblr-3007	249	18	could	could	AUX
cblr-3007	249	19	stand	stand	VERB
cblr-3007	249	20	pat	pat	NOUN
cblr-3007	249	21	without	without	ADP
cblr-3007	249	22	having	have	VERB
cblr-3007	249	23	to	to	PART
cblr-3007	249	24	play	play	VERB
cblr-3007	249	25	follow	follow	VERB
cblr-3007	249	26	-	-	PUNCT
cblr-3007	249	27	the	the	DET
cblr-3007	249	28	-	-	PUNCT
cblr-3007	249	29	leader	leader	NOUN
cblr-3007	249	30	.	.	PUNCT
cblr-3007	250	1	however	however	ADV
cblr-3007	250	2	,	,	PUNCT
cblr-3007	250	3	the	the	DET
cblr-3007	250	4	opposite	opposite	ADJ
cblr-3007	250	5	result	result	NOUN
cblr-3007	250	6	ensued	ensue	VERB
cblr-3007	250	7	.	.	PUNCT
cblr-3007	251	1	special	special	ADJ
cblr-3007	251	2	price	price	NOUN
cblr-3007	251	3	deals	deal	NOUN
cblr-3007	251	4	,	,	PUNCT
cblr-3007	251	5	one	one	NUM
cblr-3007	251	6	suspects	suspect	NOUN
cblr-3007	251	7	,	,	PUNCT
cblr-3007	251	8	brought	bring	VERB
cblr-3007	251	9	this	this	DET
cblr-3007	251	10	segment	segment	NOUN
cblr-3007	251	11	of	of	ADP
cblr-3007	251	12	the	the	DET
cblr-3007	251	13	market	market	NOUN
cblr-3007	251	14	into	into	ADP
cblr-3007	251	15	the	the	DET
cblr-3007	251	16	credit	credit	NOUN
cblr-3007	251	17	card	card	NOUN
cblr-3007	251	18	orbit	orbit	NOUN
cblr-3007	251	19	.	.	PUNCT
cblr-3007	252	1	it	it	PRON
cblr-3007	252	2	is	be	AUX
cblr-3007	252	3	unlikely	unlikely	ADJ
cblr-3007	252	4	that	that	SCONJ
cblr-3007	252	5	the	the	DET
cblr-3007	252	6	decision	decision	NOUN
cblr-3007	252	7	was	be	AUX
cblr-3007	252	8	just	just	ADV
cblr-3007	252	9	a	a	DET
cblr-3007	252	10	bad	bad	ADJ
cblr-3007	252	11	mistake	mistake	NOUN
cblr-3007	252	12	.	.	PUNCT
cblr-3007	253	1	clearly	clearly	ADV
cblr-3007	253	2	something	something	PRON
cblr-3007	253	3	is	be	AUX
cblr-3007	253	4	deeply	deeply	ADV
cblr-3007	253	5	amiss	amiss	ADJ
cblr-3007	253	6	in	in	ADP
cblr-3007	253	7	any	any	DET
cblr-3007	253	8	analysis	analysis	NOUN
cblr-3007	253	9	whose	whose	DET
cblr-3007	253	10	major	major	ADJ
cblr-3007	253	11	premise	premise	NOUN
cblr-3007	253	12	predicts	predict	VERB
cblr-3007	253	13	the	the	DET
cblr-3007	253	14	demise	demise	NOUN
cblr-3007	253	15	of	of	ADP
cblr-3007	253	16	credit	credit	NOUN
cblr-3007	253	17	cards	card	NOUN
cblr-3007	253	18	in	in	ADP
cblr-3007	253	19	the	the	DET
cblr-3007	253	20	midst	midst	NOUN
cblr-3007	253	21	of	of	ADP
cblr-3007	253	22	an	an	DET
cblr-3007	253	23	explosion	explosion	NOUN
cblr-3007	253	24	in	in	ADP
cblr-3007	253	25	their	their	PRON
cblr-3007	253	26	use	use	NOUN
cblr-3007	253	27	.	.	PUNCT
cblr-3007	254	1	to	to	PART
cblr-3007	254	2	see	see	VERB
cblr-3007	254	3	what	what	PRON
cblr-3007	254	4	this	this	DET
cblr-3007	254	5	problem	problem	NOUN
cblr-3007	254	6	is	be	AUX
cblr-3007	254	7	,	,	PUNCT
cblr-3007	254	8	we	we	PRON
cblr-3007	254	9	have	have	VERB
cblr-3007	254	10	to	to	PART
cblr-3007	254	11	examine	examine	VERB
cblr-3007	254	12	more	more	ADV
cblr-3007	254	13	closely	closely	ADV
cblr-3007	254	14	the	the	DET
cblr-3007	254	15	proposition	proposition	NOUN
cblr-3007	254	16	that	that	SCONJ
cblr-3007	254	17	credit	credit	NOUN
cblr-3007	254	18	cards	card	NOUN
cblr-3007	254	19	have	have	AUX
cblr-3007	254	20	no	no	DET
cblr-3007	254	21	advantages	advantage	NOUN
cblr-3007	254	22	over	over	ADP
cblr-3007	254	23	other	other	ADJ
cblr-3007	254	24	systems	system	NOUN
cblr-3007	254	25	of	of	ADP
cblr-3007	254	26	immediate	immediate	ADJ
cblr-3007	254	27	payment	payment	NOUN
cblr-3007	254	28	.	.	PUNCT
cblr-3007	255	1	the	the	DET
cblr-3007	255	2	key	key	NOUN
cblr-3007	255	3	is	be	AUX
cblr-3007	255	4	finding	find	VERB
cblr-3007	255	5	benefits	benefit	NOUN
cblr-3007	255	6	that	that	PRON
cblr-3007	255	7	differentiate	differentiate	VERB
cblr-3007	255	8	all	all	DET
cblr-3007	255	9	types	type	NOUN
cblr-3007	255	10	of	of	ADP
cblr-3007	255	11	credit	credit	NOUN
cblr-3007	255	12	payments	payment	NOUN
cblr-3007	255	13	from	from	ADP
cblr-3007	255	14	all	all	DET
cblr-3007	255	15	other	other	ADJ
cblr-3007	255	16	payment	payment	NOUN
cblr-3007	255	17	systems	system	NOUN
cblr-3007	255	18	.	.	PUNCT
cblr-3007	256	1	b.	b.	PROPN
cblr-3007	257	1	the	the	DET
cblr-3007	257	2	not	not	PART
cblr-3007	257	3	so	so	ADV
cblr-3007	257	4	subtle	subtle	ADJ
cblr-3007	257	5	credit	credit	NOUN
cblr-3007	257	6	card	card	NOUN
cblr-3007	257	7	benefits	benefit	NOUN
cblr-3007	257	8	to	to	PART
cblr-3007	257	9	highlight	highlight	VERB
cblr-3007	257	10	the	the	DET
cblr-3007	257	11	benefits	benefit	NOUN
cblr-3007	257	12	of	of	ADP
cblr-3007	257	13	credit	credit	NOUN
cblr-3007	257	14	cards	card	NOUN
cblr-3007	257	15	,	,	PUNCT
cblr-3007	257	16	divide	divide	VERB
cblr-3007	257	17	the	the	DET
cblr-3007	257	18	landscape	landscape	NOUN
cblr-3007	257	19	of	of	ADP
cblr-3007	257	20	payment	payment	NOUN
cblr-3007	257	21	methods	method	NOUN
cblr-3007	257	22	into	into	ADP
cblr-3007	257	23	two	two	NUM
cblr-3007	257	24	categories	category	NOUN
cblr-3007	257	25	.	.	PUNCT
cblr-3007	258	1	charge	charge	NOUN
cblr-3007	258	2	and	and	CCONJ
cblr-3007	258	3	credit	credit	NOUN
cblr-3007	258	4	cards	card	NOUN
cblr-3007	258	5	,	,	PUNCT
cblr-3007	258	6	including	include	VERB
cblr-3007	258	7	those	those	PRON
cblr-3007	258	8	issued	issue	VERB
cblr-3007	258	9	by	by	ADP
cblr-3007	258	10	both	both	CCONJ
cblr-3007	258	11	open	open	ADJ
cblr-3007	258	12	and	and	CCONJ
cblr-3007	258	13	closed	closed	ADJ
cblr-3007	258	14	systems	system	NOUN
cblr-3007	258	15	,	,	PUNCT
cblr-3007	258	16	are	be	AUX
cblr-3007	258	17	on	on	ADP
cblr-3007	258	18	one	one	NUM
cblr-3007	258	19	side	side	NOUN
cblr-3007	258	20	of	of	ADP
cblr-3007	258	21	the	the	DET
cblr-3007	258	22	line	line	NOUN
cblr-3007	258	23	.	.	PUNCT
cblr-3007	259	1	checks	check	NOUN
cblr-3007	259	2	,	,	PUNCT
cblr-3007	259	3	cash	cash	NOUN
cblr-3007	259	4	,	,	PUNCT
cblr-3007	259	5	and	and	CCONJ
cblr-3007	259	6	debit	debit	NOUN
cblr-3007	259	7	cards	card	NOUN
cblr-3007	259	8	,	,	PUNCT
cblr-3007	259	9	which	which	PRON
cblr-3007	259	10	i	i	PRON
cblr-3007	259	11	collectively	collectively	ADV
cblr-3007	259	12	term	term	NOUN
cblr-3007	259	13	"	"	PUNCT
cblr-3007	259	14	debit	debit	NOUN
cblr-3007	259	15	instruments	instrument	NOUN
cblr-3007	259	16	,	,	PUNCT
cblr-3007	259	17	"	"	PUNCT
cblr-3007	259	18	are	be	AUX
cblr-3007	259	19	on	on	ADP
cblr-3007	259	20	the	the	DET
cblr-3007	259	21	other	other	ADJ
cblr-3007	259	22	side	side	NOUN
cblr-3007	259	23	.	.	PUNCT
cblr-3007	260	1	the	the	DET
cblr-3007	260	2	credit	credit	NOUN
cblr-3007	260	3	and	and	CCONJ
cblr-3007	260	4	charge	charge	NOUN
cblr-3007	260	5	instruments	instrument	NOUN
cblr-3007	260	6	,	,	PUNCT
cblr-3007	260	7	which	which	PRON
cblr-3007	260	8	are	be	AUX
cblr-3007	260	9	more	more	ADV
cblr-3007	260	10	expensive	expensive	ADJ
cblr-3007	260	11	than	than	ADP
cblr-3007	260	12	the	the	DET
cblr-3007	260	13	debit	debit	NOUN
cblr-3007	260	14	instruments	instrument	NOUN
cblr-3007	260	15	,	,	PUNCT
cblr-3007	260	16	also	also	ADV
cblr-3007	260	17	perform	perform	VERB
cblr-3007	260	18	additional	additional	ADJ
cblr-3007	260	19	functions	function	NOUN
cblr-3007	260	20	.	.	PUNCT
cblr-3007	261	1	because	because	SCONJ
cblr-3007	261	2	the	the	DET
cblr-3007	261	3	debit	debit	NOUN
cblr-3007	261	4	instruments	instrument	NOUN
cblr-3007	261	5	have	have	VERB
cblr-3007	261	6	no	no	DET
cblr-3007	261	7	built	build	VERB
cblr-3007	261	8	-	-	PUNCT
cblr-3007	261	9	in	in	ADP
cblr-3007	261	10	credit	credit	NOUN
cblr-3007	261	11	component	component	NOUN
cblr-3007	261	12	,	,	PUNCT
cblr-3007	261	13	they	they	PRON
cblr-3007	261	14	only	only	ADV
cblr-3007	261	15	allow	allow	VERB
cblr-3007	261	16	the	the	DET
cblr-3007	261	17	purchaser	purchaser	NOUN
cblr-3007	261	18	in	in	ADP
cblr-3007	261	19	a	a	DET
cblr-3007	261	20	given	give	VERB
cblr-3007	261	21	transaction	transaction	NOUN
cblr-3007	261	22	to	to	PART
cblr-3007	261	23	spend	spend	VERB
cblr-3007	261	24	the	the	DET
cblr-3007	261	25	money	money	NOUN
cblr-3007	261	26	that	that	PRON
cblr-3007	261	27	he	he	PRON
cblr-3007	261	28	or	or	CCONJ
cblr-3007	261	29	she	she	PRON
cblr-3007	261	30	already	already	ADV
cblr-3007	261	31	has	have	VERB
cblr-3007	261	32	in	in	ADP
cblr-3007	261	33	his	his	PRON
cblr-3007	261	34	pocket	pocket	NOUN
cblr-3007	261	35	or	or	CCONJ
cblr-3007	261	36	salted	salt	VERB
cblr-3007	261	37	away	away	ADV
cblr-3007	261	38	in	in	ADP
cblr-3007	261	39	some	some	DET
cblr-3007	261	40	bank	bank	NOUN
cblr-3007	262	1	[	[	X
cblr-3007	262	2	vol	vol	NOUN
cblr-3007	262	3	.	.	PUNCT
cblr-3007	262	4	2005	2005	NUM
cblr-3007	263	1	the	the	DET
cblr-3007	263	2	regulation	regulation	NOUN
cblr-3007	263	3	of	of	ADP
cblr-3007	263	4	interchange	interchange	NOUN
cblr-3007	263	5	fees	fee	NOUN
cblr-3007	263	6	account	account	VERB
cblr-3007	263	7	.	.	PUNCT
cblr-3007	264	1	these	these	DET
cblr-3007	264	2	stores	store	NOUN
cblr-3007	264	3	of	of	ADP
cblr-3007	264	4	wealth	wealth	NOUN
cblr-3007	264	5	do	do	AUX
cblr-3007	264	6	not	not	PART
cblr-3007	264	7	allow	allow	VERB
cblr-3007	264	8	purchasers	purchaser	NOUN
cblr-3007	264	9	to	to	PART
cblr-3007	264	10	buy	buy	VERB
cblr-3007	264	11	goods	good	NOUN
cblr-3007	264	12	or	or	CCONJ
cblr-3007	264	13	services	service	NOUN
cblr-3007	264	14	that	that	PRON
cblr-3007	264	15	are	be	AUX
cblr-3007	264	16	desired	desire	VERB
cblr-3007	264	17	today	today	NOUN
cblr-3007	264	18	with	with	ADP
cblr-3007	264	19	a	a	DET
cblr-3007	264	20	promise	promise	NOUN
cblr-3007	264	21	to	to	PART
cblr-3007	264	22	pay	pay	VERB
cblr-3007	264	23	for	for	ADP
cblr-3007	264	24	them	they	PRON
cblr-3007	264	25	tomorrow	tomorrow	NOUN
cblr-3007	264	26	out	out	ADP
cblr-3007	264	27	of	of	ADP
cblr-3007	264	28	future	future	ADJ
cblr-3007	264	29	earnings	earning	NOUN
cblr-3007	264	30	.	.	PUNCT
cblr-3007	265	1	nor	nor	CCONJ
cblr-3007	265	2	do	do	AUX
cblr-3007	265	3	they	they	PRON
cblr-3007	265	4	give	give	VERB
cblr-3007	265	5	their	their	PRON
cblr-3007	265	6	users	user	NOUN
cblr-3007	265	7	the	the	DET
cblr-3007	265	8	prospect	prospect	NOUN
cblr-3007	265	9	of	of	ADP
cblr-3007	265	10	free	free	ADJ
cblr-3007	265	11	float	float	NOUN
cblr-3007	265	12	for	for	ADP
cblr-3007	265	13	a	a	DET
cblr-3007	265	14	month	month	NOUN
cblr-3007	265	15	,	,	PUNCT
cblr-3007	265	16	which	which	PRON
cblr-3007	265	17	is	be	AUX
cblr-3007	265	18	attractive	attractive	ADJ
cblr-3007	265	19	to	to	ADP
cblr-3007	265	20	high	high	ADJ
cblr-3007	265	21	-	-	PUNCT
cblr-3007	265	22	income	income	NOUN
cblr-3007	265	23	borrowers	borrower	NOUN
cblr-3007	265	24	who	who	PRON
cblr-3007	265	25	have	have	VERB
cblr-3007	265	26	sufficient	sufficient	ADJ
cblr-3007	265	27	funds	fund	NOUN
cblr-3007	265	28	to	to	PART
cblr-3007	265	29	pay	pay	VERB
cblr-3007	265	30	off	off	ADP
cblr-3007	265	31	their	their	PRON
cblr-3007	265	32	bills	bill	NOUN
cblr-3007	265	33	when	when	SCONJ
cblr-3007	265	34	they	they	PRON
cblr-3007	265	35	become	become	VERB
cblr-3007	265	36	due	due	ADJ
cblr-3007	265	37	.	.	PUNCT
cblr-3007	266	1	with	with	ADP
cblr-3007	266	2	debit	debit	NOUN
cblr-3007	266	3	cards	card	NOUN
cblr-3007	266	4	,	,	PUNCT
cblr-3007	266	5	it	it	PRON
cblr-3007	266	6	is	be	AUX
cblr-3007	266	7	as	as	SCONJ
cblr-3007	266	8	though	though	SCONJ
cblr-3007	266	9	one	one	NUM
cblr-3007	266	10	wanted	want	VERB
cblr-3007	266	11	to	to	PART
cblr-3007	266	12	use	use	VERB
cblr-3007	266	13	savings	saving	NOUN
cblr-3007	266	14	to	to	PART
cblr-3007	266	15	do	do	VERB
cblr-3007	266	16	the	the	DET
cblr-3007	266	17	work	work	NOUN
cblr-3007	266	18	of	of	ADP
cblr-3007	266	19	life	life	NOUN
cblr-3007	266	20	insurance	insurance	NOUN
cblr-3007	266	21	.	.	PUNCT
cblr-3007	267	1	yet	yet	ADV
cblr-3007	267	2	,	,	PUNCT
cblr-3007	267	3	it	it	PRON
cblr-3007	267	4	takes	take	VERB
cblr-3007	267	5	little	little	ADJ
cblr-3007	267	6	imagination	imagination	NOUN
cblr-3007	267	7	to	to	PART
cblr-3007	267	8	realize	realize	VERB
cblr-3007	267	9	that	that	SCONJ
cblr-3007	267	10	most	most	ADJ
cblr-3007	267	11	people	people	NOUN
cblr-3007	267	12	would	would	AUX
cblr-3007	267	13	like	like	VERB
cblr-3007	267	14	to	to	PART
cblr-3007	267	15	make	make	VERB
cblr-3007	267	16	their	their	PRON
cblr-3007	267	17	consumption	consumption	NOUN
cblr-3007	267	18	patterns	pattern	NOUN
cblr-3007	267	19	smoother	smooth	ADJ
cblr-3007	267	20	than	than	ADP
cblr-3007	267	21	their	their	PRON
cblr-3007	267	22	earning	earn	VERB
cblr-3007	267	23	patterns.22	patterns.22	NOUN
cblr-3007	267	24	no	no	DET
cblr-3007	267	25	profound	profound	ADJ
cblr-3007	267	26	demonstration	demonstration	NOUN
cblr-3007	267	27	of	of	ADP
cblr-3007	267	28	this	this	DET
cblr-3007	267	29	point	point	NOUN
cblr-3007	267	30	is	be	AUX
cblr-3007	267	31	needed	need	VERB
cblr-3007	267	32	at	at	ADP
cblr-3007	267	33	this	this	DET
cblr-3007	267	34	time	time	NOUN
cblr-3007	267	35	.	.	PUNCT
cblr-3007	268	1	just	just	ADV
cblr-3007	268	2	recall	recall	VERB
cblr-3007	268	3	that	that	SCONJ
cblr-3007	268	4	,	,	PUNCT
cblr-3007	268	5	even	even	ADV
cblr-3007	268	6	as	as	ADP
cblr-3007	268	7	adults	adult	NOUN
cblr-3007	268	8	,	,	PUNCT
cblr-3007	268	9	people	people	NOUN
cblr-3007	268	10	borrow	borrow	VERB
cblr-3007	268	11	while	while	SCONJ
cblr-3007	268	12	in	in	ADP
cblr-3007	268	13	school	school	NOUN
cblr-3007	268	14	yet	yet	ADV
cblr-3007	268	15	simultaneously	simultaneously	ADV
cblr-3007	268	16	save	save	VERB
cblr-3007	268	17	for	for	ADP
cblr-3007	268	18	retirement	retirement	NOUN
cblr-3007	268	19	.	.	PUNCT
cblr-3007	269	1	thus	thus	ADV
cblr-3007	269	2	,	,	PUNCT
cblr-3007	269	3	the	the	DET
cblr-3007	269	4	earnings	earning	NOUN
cblr-3007	269	5	in	in	ADP
cblr-3007	269	6	an	an	DET
cblr-3007	269	7	individual	individual	NOUN
cblr-3007	269	8	's	's	PART
cblr-3007	269	9	peak	peak	NOUN
cblr-3007	269	10	period	period	NOUN
cblr-3007	269	11	are	be	AUX
cblr-3007	269	12	moved	move	VERB
cblr-3007	269	13	both	both	CCONJ
cblr-3007	269	14	forward	forward	ADV
cblr-3007	269	15	and	and	CCONJ
cblr-3007	269	16	backward	backward	ADJ
cblr-3007	269	17	in	in	ADP
cblr-3007	269	18	time	time	NOUN
cblr-3007	269	19	.	.	PUNCT
cblr-3007	270	1	debit	debit	NOUN
cblr-3007	270	2	instruments	instrument	NOUN
cblr-3007	270	3	can	can	AUX
cblr-3007	270	4	not	not	PART
cblr-3007	270	5	perform	perform	VERB
cblr-3007	270	6	this	this	DET
cblr-3007	270	7	function	function	NOUN
cblr-3007	270	8	of	of	ADP
cblr-3007	270	9	tapping	tap	VERB
cblr-3007	270	10	future	future	ADJ
cblr-3007	270	11	income	income	NOUN
cblr-3007	270	12	.	.	PUNCT
cblr-3007	271	1	in	in	ADP
cblr-3007	271	2	contrast	contrast	NOUN
cblr-3007	271	3	,	,	PUNCT
cblr-3007	271	4	credit	credit	NOUN
cblr-3007	271	5	and	and	CCONJ
cblr-3007	271	6	charge	charge	NOUN
cblr-3007	271	7	cards	card	NOUN
cblr-3007	271	8	facilitate	facilitate	VERB
cblr-3007	271	9	this	this	DET
cblr-3007	271	10	goal	goal	NOUN
cblr-3007	271	11	on	on	ADP
cblr-3007	271	12	a	a	DET
cblr-3007	271	13	shorter	short	ADJ
cblr-3007	271	14	time	time	NOUN
cblr-3007	271	15	frame	frame	NOUN
cblr-3007	271	16	by	by	ADP
cblr-3007	271	17	allowing	allow	VERB
cblr-3007	271	18	individuals	individual	NOUN
cblr-3007	271	19	to	to	PART
cblr-3007	271	20	pay	pay	VERB
cblr-3007	271	21	over	over	ADP
cblr-3007	271	22	time	time	NOUN
cblr-3007	271	23	for	for	ADP
cblr-3007	271	24	goods	good	NOUN
cblr-3007	271	25	and	and	CCONJ
cblr-3007	271	26	services	service	NOUN
cblr-3007	271	27	,	,	PUNCT
cblr-3007	271	28	whose	whose	DET
cblr-3007	271	29	value	value	NOUN
cblr-3007	271	30	to	to	ADP
cblr-3007	271	31	the	the	DET
cblr-3007	271	32	consumer	consumer	NOUN
cblr-3007	271	33	is	be	AUX
cblr-3007	271	34	captured	capture	VERB
cblr-3007	271	35	over	over	ADP
cblr-3007	271	36	time	time	NOUN
cblr-3007	271	37	.	.	PUNCT
cblr-3007	272	1	few	few	ADJ
cblr-3007	272	2	people	people	NOUN
cblr-3007	272	3	buy	buy	VERB
cblr-3007	272	4	homes	home	NOUN
cblr-3007	272	5	with	with	ADP
cblr-3007	272	6	cash	cash	NOUN
cblr-3007	272	7	;	;	PUNCT
cblr-3007	272	8	instead	instead	ADV
cblr-3007	272	9	,	,	PUNCT
cblr-3007	272	10	they	they	PRON
cblr-3007	272	11	take	take	VERB
cblr-3007	272	12	out	out	ADP
cblr-3007	272	13	home	home	NOUN
cblr-3007	272	14	mortgages	mortgage	NOUN
cblr-3007	272	15	,	,	PUNCT
cblr-3007	272	16	where	where	SCONJ
cblr-3007	272	17	the	the	DET
cblr-3007	272	18	monthly	monthly	ADJ
cblr-3007	272	19	payments	payment	NOUN
cblr-3007	272	20	closely	closely	ADV
cblr-3007	272	21	track	track	VERB
cblr-3007	272	22	the	the	DET
cblr-3007	272	23	benefits	benefit	NOUN
cblr-3007	272	24	derived	derive	VERB
cblr-3007	272	25	from	from	ADP
cblr-3007	272	26	the	the	DET
cblr-3007	272	27	initial	initial	ADJ
cblr-3007	272	28	purchase	purchase	NOUN
cblr-3007	272	29	during	during	ADP
cblr-3007	272	30	each	each	DET
cblr-3007	272	31	pay	pay	NOUN
cblr-3007	272	32	period	period	NOUN
cblr-3007	272	33	.	.	PUNCT
cblr-3007	273	1	a	a	DET
cblr-3007	273	2	question	question	NOUN
cblr-3007	273	3	then	then	ADV
cblr-3007	273	4	arises	arise	VERB
cblr-3007	273	5	over	over	SCONJ
cblr-3007	273	6	which	which	DET
cblr-3007	273	7	type	type	NOUN
cblr-3007	273	8	of	of	ADP
cblr-3007	273	9	card	card	NOUN
cblr-3007	273	10	is	be	AUX
cblr-3007	273	11	superior	superior	ADJ
cblr-3007	273	12	,	,	PUNCT
cblr-3007	273	13	the	the	DET
cblr-3007	273	14	store	store	NOUN
cblr-3007	273	15	charge	charge	NOUN
cblr-3007	273	16	card	card	NOUN
cblr-3007	273	17	that	that	PRON
cblr-3007	273	18	is	be	AUX
cblr-3007	273	19	valid	valid	ADJ
cblr-3007	273	20	at	at	ADP
cblr-3007	273	21	only	only	ADV
cblr-3007	273	22	one	one	NUM
cblr-3007	273	23	merchant	merchant	NOUN
cblr-3007	273	24	,	,	PUNCT
cblr-3007	273	25	or	or	CCONJ
cblr-3007	273	26	the	the	DET
cblr-3007	273	27	credit	credit	NOUN
cblr-3007	273	28	card	card	NOUN
cblr-3007	273	29	from	from	ADP
cblr-3007	273	30	either	either	CCONJ
cblr-3007	273	31	a	a	DET
cblr-3007	273	32	closed	closed	ADJ
cblr-3007	273	33	or	or	CCONJ
cblr-3007	273	34	an	an	DET
cblr-3007	273	35	open	open	ADJ
cblr-3007	273	36	system	system	NOUN
cblr-3007	273	37	that	that	PRON
cblr-3007	273	38	may	may	AUX
cblr-3007	273	39	be	be	AUX
cblr-3007	273	40	used	use	VERB
cblr-3007	273	41	at	at	ADP
cblr-3007	273	42	any	any	DET
cblr-3007	273	43	merchant	merchant	NOUN
cblr-3007	273	44	who	who	PRON
cblr-3007	273	45	has	have	AUX
cblr-3007	273	46	agreed	agree	VERB
cblr-3007	273	47	in	in	ADP
cblr-3007	273	48	advance	advance	NOUN
cblr-3007	273	49	to	to	PART
cblr-3007	273	50	accept	accept	VERB
cblr-3007	273	51	the	the	DET
cblr-3007	273	52	card	card	NOUN
cblr-3007	273	53	.	.	PUNCT
cblr-3007	274	1	clearly	clearly	ADV
cblr-3007	274	2	,	,	PUNCT
cblr-3007	274	3	if	if	SCONJ
cblr-3007	274	4	one	one	NUM
cblr-3007	274	5	method	method	NOUN
cblr-3007	274	6	was	be	AUX
cblr-3007	274	7	dominant	dominant	ADJ
cblr-3007	274	8	over	over	ADP
cblr-3007	274	9	all	all	DET
cblr-3007	274	10	others	other	NOUN
cblr-3007	274	11	,	,	PUNCT
cblr-3007	274	12	then	then	ADV
cblr-3007	274	13	we	we	PRON
cblr-3007	274	14	would	would	AUX
cblr-3007	274	15	see	see	VERB
cblr-3007	274	16	either	either	CCONJ
cblr-3007	274	17	credit	credit	NOUN
cblr-3007	274	18	or	or	CCONJ
cblr-3007	274	19	charge	charge	NOUN
cblr-3007	274	20	cards	card	NOUN
cblr-3007	274	21	driven	drive	VERB
cblr-3007	274	22	from	from	ADP
cblr-3007	274	23	the	the	DET
cblr-3007	274	24	marketplace	marketplace	NOUN
cblr-3007	274	25	.	.	PUNCT
cblr-3007	275	1	but	but	CCONJ
cblr-3007	275	2	the	the	DET
cblr-3007	275	3	simple	simple	ADJ
cblr-3007	275	4	fact	fact	NOUN
cblr-3007	275	5	that	that	SCONJ
cblr-3007	275	6	neiman	neiman	PROPN
cblr-3007	275	7	marcus	marcus	PROPN
cblr-3007	275	8	does	do	AUX
cblr-3007	275	9	not	not	PART
cblr-3007	275	10	accept	accept	VERB
cblr-3007	275	11	general	general	ADJ
cblr-3007	275	12	credit	credit	NOUN
cblr-3007	275	13	cards	card	NOUN
cblr-3007	275	14	provides	provide	VERB
cblr-3007	275	15	evidence	evidence	NOUN
cblr-3007	275	16	that	that	SCONJ
cblr-3007	275	17	each	each	DET
cblr-3007	275	18	card	card	NOUN
cblr-3007	275	19	has	have	AUX
cblr-3007	275	20	its	its	PRON
cblr-3007	275	21	own	own	ADJ
cblr-3007	275	22	distinct	distinct	ADJ
cblr-3007	275	23	advantages	advantage	NOUN
cblr-3007	275	24	enabling	enable	VERB
cblr-3007	275	25	it	it	PRON
cblr-3007	275	26	to	to	PART
cblr-3007	275	27	survive	survive	VERB
cblr-3007	275	28	.	.	PUNCT
cblr-3007	276	1	charge	charge	NOUN
cblr-3007	276	2	cards	card	NOUN
cblr-3007	276	3	,	,	PUNCT
cblr-3007	276	4	for	for	ADP
cblr-3007	276	5	example	example	NOUN
cblr-3007	276	6	,	,	PUNCT
cblr-3007	276	7	may	may	AUX
cblr-3007	276	8	entitle	entitle	VERB
cblr-3007	276	9	their	their	PRON
cblr-3007	276	10	users	user	NOUN
cblr-3007	276	11	to	to	ADP
cblr-3007	276	12	certain	certain	ADJ
cblr-3007	276	13	privileges	privilege	NOUN
cblr-3007	276	14	that	that	SCONJ
cblr-3007	276	15	non	non	ADJ
cblr-3007	276	16	-	-	ADJ
cblr-3007	276	17	charge	charge	ADJ
cblr-3007	276	18	card	card	NOUN
cblr-3007	276	19	holders	holder	NOUN
cblr-3007	276	20	can	can	AUX
cblr-3007	276	21	not	not	PART
cblr-3007	276	22	receive	receive	VERB
cblr-3007	276	23	,	,	PUNCT
cblr-3007	276	24	including	include	VERB
cblr-3007	276	25	the	the	DET
cblr-3007	276	26	receipt	receipt	NOUN
cblr-3007	276	27	of	of	ADP
cblr-3007	276	28	information	information	NOUN
cblr-3007	276	29	22	22	NUM
cblr-3007	276	30	for	for	ADP
cblr-3007	276	31	a	a	DET
cblr-3007	276	32	basic	basic	ADJ
cblr-3007	276	33	discussion	discussion	NOUN
cblr-3007	276	34	of	of	ADP
cblr-3007	276	35	the	the	DET
cblr-3007	276	36	permanent	permanent	ADJ
cblr-3007	276	37	-	-	PUNCT
cblr-3007	276	38	income	income	NOUN
cblr-3007	276	39	hypothesis	hypothesis	NOUN
cblr-3007	276	40	,	,	PUNCT
cblr-3007	276	41	see	see	VERB
cblr-3007	276	42	robert	robert	PROPN
cblr-3007	276	43	schenk	schenk	PROPN
cblr-3007	276	44	,	,	PUNCT
cblr-3007	276	45	permanent	permanent	ADJ
cblr-3007	276	46	-	-	PUNCT
cblr-3007	276	47	income	income	NOUN
cblr-3007	276	48	hypothesis	hypothesis	NOUN
cblr-3007	276	49	(	(	PUNCT
cblr-3007	276	50	2002	2002	NUM
cblr-3007	276	51	)	)	PUNCT
cblr-3007	276	52	,	,	PUNCT
cblr-3007	276	53	available	available	ADJ
cblr-3007	276	54	at	at	ADP
cblr-3007	276	55	http	http	ADJ
cblr-3007	276	56	:	:	PUNCT
cblr-3007	276	57	ll	ll	NOUN
cblr-3007	276	58	ingrimayne.saintjoe.edu/econ/fiscaldead/permincome.html	ingrimayne.saintjoe.edu/econ/fiscaldead/permincome.html	PROPN
cblr-3007	276	59	.	.	PUNCT
cblr-3007	277	1	no	no	INTJ
cblr-3007	277	2	.	.	PUNCT
cblr-3007	278	1	3:551	3:551	NUM
cblr-3007	278	2	]	]	X
cblr-3007	278	3	about	about	ADP
cblr-3007	278	4	various	various	ADJ
cblr-3007	278	5	sales	sale	NOUN
cblr-3007	278	6	and	and	CCONJ
cblr-3007	278	7	special	special	ADJ
cblr-3007	278	8	offerings	offering	NOUN
cblr-3007	278	9	;	;	PUNCT
cblr-3007	278	10	free	free	ADJ
cblr-3007	278	11	services	service	NOUN
cblr-3007	278	12	such	such	ADJ
cblr-3007	278	13	as	as	ADP
cblr-3007	278	14	gift	gift	NOUN
cblr-3007	278	15	wrapping	wrapping	NOUN
cblr-3007	278	16	and	and	CCONJ
cblr-3007	278	17	holding	hold	VERB
cblr-3007	278	18	or	or	CCONJ
cblr-3007	278	19	delivering	deliver	VERB
cblr-3007	278	20	parcels	parcel	NOUN
cblr-3007	278	21	;	;	PUNCT
cblr-3007	278	22	the	the	DET
cblr-3007	278	23	ability	ability	NOUN
cblr-3007	278	24	to	to	PART
cblr-3007	278	25	purchase	purchase	VERB
cblr-3007	278	26	,	,	PUNCT
cblr-3007	278	27	or	or	CCONJ
cblr-3007	278	28	purchase	purchase	VERB
cblr-3007	278	29	more	more	ADV
cblr-3007	278	30	quickly	quickly	ADV
cblr-3007	278	31	,	,	PUNCT
cblr-3007	278	32	by	by	ADP
cblr-3007	278	33	phone	phone	NOUN
cblr-3007	278	34	;	;	PUNCT
cblr-3007	278	35	and	and	CCONJ
cblr-3007	278	36	the	the	DET
cblr-3007	278	37	ability	ability	NOUN
cblr-3007	278	38	to	to	PART
cblr-3007	278	39	go	go	VERB
cblr-3007	278	40	to	to	ADP
cblr-3007	278	41	the	the	DET
cblr-3007	278	42	head	head	NOUN
cblr-3007	278	43	of	of	ADP
cblr-3007	278	44	the	the	DET
cblr-3007	278	45	line	line	NOUN
cblr-3007	278	46	at	at	ADP
cblr-3007	278	47	the	the	PRON
cblr-3007	278	48	(	(	PUNCT
cblr-3007	278	49	quaintly	quaintly	ADV
cblr-3007	278	50	termed	term	VERB
cblr-3007	278	51	)	)	PUNCT
cblr-3007	278	52	cash	cash	NOUN
cblr-3007	278	53	register	register	NOUN
cblr-3007	278	54	.	.	PUNCT
cblr-3007	279	1	the	the	DET
cblr-3007	279	2	obvious	obvious	ADJ
cblr-3007	279	3	point	point	NOUN
cblr-3007	279	4	here	here	ADV
cblr-3007	279	5	is	be	AUX
cblr-3007	279	6	that	that	SCONJ
cblr-3007	279	7	the	the	DET
cblr-3007	279	8	charge	charge	NOUN
cblr-3007	279	9	card	card	NOUN
cblr-3007	279	10	signals	signal	VERB
cblr-3007	279	11	a	a	DET
cblr-3007	279	12	form	form	NOUN
cblr-3007	279	13	of	of	ADP
cblr-3007	279	14	loyalty	loyalty	NOUN
cblr-3007	279	15	that	that	PRON
cblr-3007	279	16	generates	generate	VERB
cblr-3007	279	17	loyalty	loyalty	NOUN
cblr-3007	279	18	discounts	discount	NOUN
cblr-3007	279	19	in	in	ADP
cblr-3007	279	20	return	return	NOUN
cblr-3007	279	21	.	.	PUNCT
cblr-3007	280	1	in	in	ADP
cblr-3007	280	2	a	a	DET
cblr-3007	280	3	competitive	competitive	ADJ
cblr-3007	280	4	marketplace	marketplace	NOUN
cblr-3007	280	5	,	,	PUNCT
cblr-3007	280	6	there	there	PRON
cblr-3007	280	7	is	be	VERB
cblr-3007	280	8	no	no	DET
cblr-3007	280	9	reason	reason	NOUN
cblr-3007	280	10	whatsoever	whatsoever	ADV
cblr-3007	280	11	to	to	PART
cblr-3007	280	12	regulate	regulate	VERB
cblr-3007	280	13	the	the	DET
cblr-3007	280	14	pricing	pricing	NOUN
cblr-3007	280	15	structure	structure	NOUN
cblr-3007	280	16	of	of	ADP
cblr-3007	280	17	these	these	DET
cblr-3007	280	18	charge	charge	NOUN
cblr-3007	280	19	cards	card	NOUN
cblr-3007	280	20	any	any	PRON
cblr-3007	280	21	more	more	ADJ
cblr-3007	280	22	than	than	SCONJ
cblr-3007	280	23	there	there	PRON
cblr-3007	280	24	is	be	VERB
cblr-3007	280	25	to	to	PART
cblr-3007	280	26	regulate	regulate	VERB
cblr-3007	280	27	the	the	DET
cblr-3007	280	28	price	price	NOUN
cblr-3007	280	29	of	of	ADP
cblr-3007	280	30	pajamas	pajama	NOUN
cblr-3007	280	31	or	or	CCONJ
cblr-3007	280	32	alarm	alarm	NOUN
cblr-3007	280	33	clocks	clock	NOUN
cblr-3007	280	34	.	.	PUNCT
cblr-3007	281	1	after	after	ADV
cblr-3007	281	2	all	all	ADV
cblr-3007	281	3	,	,	PUNCT
cblr-3007	281	4	reductions	reduction	NOUN
cblr-3007	281	5	in	in	ADP
cblr-3007	281	6	the	the	DET
cblr-3007	281	7	price	price	NOUN
cblr-3007	281	8	of	of	ADP
cblr-3007	281	9	pajamas	pajama	NOUN
cblr-3007	281	10	are	be	AUX
cblr-3007	281	11	said	say	VERB
cblr-3007	281	12	to	to	PART
cblr-3007	281	13	create	create	VERB
cblr-3007	281	14	an	an	DET
cblr-3007	281	15	implicit	implicit	ADJ
cblr-3007	281	16	cross	cross	NOUN
cblr-3007	281	17	-	-	ADJ
cblr-3007	281	18	subsidy	subsidy	ADJ
cblr-3007	281	19	from	from	ADP
cblr-3007	281	20	purchasers	purchaser	NOUN
cblr-3007	281	21	of	of	ADP
cblr-3007	281	22	alarm	alarm	NOUN
cblr-3007	281	23	clocks	clock	NOUN
cblr-3007	281	24	to	to	ADP
cblr-3007	281	25	those	those	PRON
cblr-3007	281	26	of	of	ADP
cblr-3007	281	27	pajamas	pajama	NOUN
cblr-3007	281	28	because	because	SCONJ
cblr-3007	281	29	of	of	ADP
cblr-3007	281	30	an	an	DET
cblr-3007	281	31	implicit	implicit	ADJ
cblr-3007	281	32	shift	shift	NOUN
cblr-3007	281	33	of	of	ADP
cblr-3007	281	34	some	some	DET
cblr-3007	281	35	joint	joint	ADJ
cblr-3007	281	36	costs	cost	NOUN
cblr-3007	281	37	from	from	ADP
cblr-3007	281	38	the	the	DET
cblr-3007	281	39	former	former	ADJ
cblr-3007	281	40	to	to	ADP
cblr-3007	281	41	the	the	DET
cblr-3007	281	42	latter	latter	ADJ
cblr-3007	281	43	.	.	PUNCT
cblr-3007	282	1	nonetheless	nonetheless	ADV
cblr-3007	282	2	,	,	PUNCT
cblr-3007	282	3	there	there	PRON
cblr-3007	282	4	is	be	VERB
cblr-3007	282	5	a	a	DET
cblr-3007	282	6	simple	simple	ADJ
cblr-3007	282	7	but	but	CCONJ
cblr-3007	282	8	compelling	compelling	ADJ
cblr-3007	282	9	explanation	explanation	NOUN
cblr-3007	282	10	that	that	PRON
cblr-3007	282	11	explains	explain	VERB
cblr-3007	282	12	why	why	SCONJ
cblr-3007	282	13	credit	credit	NOUN
cblr-3007	282	14	cards	card	NOUN
cblr-3007	282	15	have	have	AUX
cblr-3007	282	16	gained	gain	VERB
cblr-3007	282	17	ground	ground	NOUN
cblr-3007	282	18	in	in	ADP
cblr-3007	282	19	recent	recent	ADJ
cblr-3007	282	20	years	year	NOUN
cblr-3007	282	21	relative	relative	ADJ
cblr-3007	282	22	to	to	ADP
cblr-3007	282	23	charge	charge	NOUN
cblr-3007	282	24	cards	card	NOUN
cblr-3007	282	25	:	:	PUNCT
cblr-3007	282	26	the	the	DET
cblr-3007	282	27	credit	credit	NOUN
cblr-3007	282	28	card	card	NOUN
cblr-3007	282	29	in	in	ADP
cblr-3007	282	30	question	question	NOUN
cblr-3007	282	31	may	may	AUX
cblr-3007	282	32	be	be	AUX
cblr-3007	282	33	used	use	VERB
cblr-3007	282	34	at	at	ADP
cblr-3007	282	35	any	any	DET
cblr-3007	282	36	one	one	NUM
cblr-3007	282	37	of	of	ADP
cblr-3007	282	38	a	a	DET
cblr-3007	282	39	number	number	NOUN
cblr-3007	282	40	of	of	ADP
cblr-3007	282	41	stores	store	NOUN
cblr-3007	282	42	,	,	PUNCT
cblr-3007	282	43	which	which	PRON
cblr-3007	282	44	allows	allow	VERB
cblr-3007	282	45	its	its	PRON
cblr-3007	282	46	holder	holder	NOUN
cblr-3007	282	47	to	to	PART
cblr-3007	282	48	compare	compare	VERB
cblr-3007	282	49	prices	price	NOUN
cblr-3007	282	50	and	and	CCONJ
cblr-3007	282	51	goods	good	NOUN
cblr-3007	282	52	across	across	ADP
cblr-3007	282	53	different	different	ADJ
cblr-3007	282	54	merchants	merchant	NOUN
cblr-3007	282	55	in	in	ADP
cblr-3007	282	56	an	an	DET
cblr-3007	282	57	effort	effort	NOUN
cblr-3007	282	58	to	to	PART
cblr-3007	282	59	obtain	obtain	VERB
cblr-3007	282	60	the	the	DET
cblr-3007	282	61	best	good	ADJ
cblr-3007	282	62	available	available	ADJ
cblr-3007	282	63	combination	combination	NOUN
cblr-3007	282	64	of	of	ADP
cblr-3007	282	65	price	price	NOUN
cblr-3007	282	66	and	and	CCONJ
cblr-3007	282	67	quality	quality	NOUN
cblr-3007	282	68	.	.	PUNCT
cblr-3007	282	69	"	"	PUNCT
cblr-3007	283	1	it	it	PRON
cblr-3007	283	2	is	be	AUX
cblr-3007	283	3	a	a	DET
cblr-3007	283	4	mistake	mistake	NOUN
cblr-3007	283	5	to	to	PART
cblr-3007	283	6	assume	assume	VERB
cblr-3007	283	7	,	,	PUNCT
cblr-3007	283	8	as	as	SCONJ
cblr-3007	283	9	the	the	DET
cblr-3007	283	10	rba	rba	NOUN
cblr-3007	283	11	did	do	VERB
cblr-3007	283	12	,	,	PUNCT
cblr-3007	283	13	that	that	SCONJ
cblr-3007	283	14	the	the	DET
cblr-3007	283	15	net	net	ADJ
cblr-3007	283	16	result	result	NOUN
cblr-3007	283	17	of	of	ADP
cblr-3007	283	18	any	any	DET
cblr-3007	283	19	product	product	NOUN
cblr-3007	283	20	or	or	CCONJ
cblr-3007	283	21	service	service	NOUN
cblr-3007	283	22	substitution	substitution	NOUN
cblr-3007	283	23	should	should	AUX
cblr-3007	283	24	be	be	AUX
cblr-3007	283	25	scored	score	VERB
cblr-3007	283	26	as	as	ADP
cblr-3007	283	27	a	a	DET
cblr-3007	283	28	wash	wash	NOUN
cblr-3007	283	29	.	.	PUNCT
cblr-3007	284	1	each	each	DET
cblr-3007	284	2	substitution	substitution	NOUN
cblr-3007	284	3	should	should	AUX
cblr-3007	284	4	generate	generate	VERB
cblr-3007	284	5	some	some	DET
cblr-3007	284	6	additional	additional	ADJ
cblr-3007	284	7	level	level	NOUN
cblr-3007	284	8	of	of	ADP
cblr-3007	284	9	consumer	consumer	NOUN
cblr-3007	284	10	surplus	surplus	NOUN
cblr-3007	284	11	.	.	PUNCT
cblr-3007	285	1	merchants	merchant	NOUN
cblr-3007	285	2	,	,	PUNCT
cblr-3007	285	3	therefore	therefore	ADV
cblr-3007	285	4	,	,	PUNCT
cblr-3007	285	5	find	find	VERB
cblr-3007	285	6	themselves	themselves	PRON
cblr-3007	285	7	in	in	ADP
cblr-3007	285	8	an	an	DET
cblr-3007	285	9	unhappy	unhappy	ADJ
cblr-3007	285	10	position	position	NOUN
cblr-3007	285	11	.	.	PUNCT
cblr-3007	286	1	if	if	SCONJ
cblr-3007	286	2	they	they	PRON
cblr-3007	286	3	stand	stand	VERB
cblr-3007	286	4	aloof	aloof	ADJ
cblr-3007	286	5	from	from	ADP
cblr-3007	286	6	the	the	DET
cblr-3007	286	7	network	network	NOUN
cblr-3007	286	8	,	,	PUNCT
cblr-3007	286	9	they	they	PRON
cblr-3007	286	10	lose	lose	VERB
cblr-3007	286	11	the	the	DET
cblr-3007	286	12	ability	ability	NOUN
cblr-3007	286	13	to	to	PART
cblr-3007	286	14	compete	compete	VERB
cblr-3007	286	15	for	for	ADP
cblr-3007	286	16	credit	credit	NOUN
cblr-3007	286	17	purchases	purchase	NOUN
cblr-3007	286	18	that	that	PRON
cblr-3007	286	19	may	may	AUX
cblr-3007	286	20	benefit	benefit	VERB
cblr-3007	286	21	them	they	PRON
cblr-3007	286	22	.	.	PUNCT
cblr-3007	287	1	so	so	ADV
cblr-3007	287	2	,	,	PUNCT
cblr-3007	287	3	they	they	PRON
cblr-3007	287	4	join	join	VERB
cblr-3007	287	5	the	the	DET
cblr-3007	287	6	greater	great	ADJ
cblr-3007	287	7	number	number	NOUN
cblr-3007	287	8	of	of	ADP
cblr-3007	287	9	merchants	merchant	NOUN
cblr-3007	287	10	who	who	PRON
cblr-3007	287	11	accept	accept	VERB
cblr-3007	287	12	credit	credit	NOUN
cblr-3007	287	13	cards	card	NOUN
cblr-3007	287	14	and	and	CCONJ
cblr-3007	287	15	thus	thus	ADV
cblr-3007	287	16	make	make	VERB
cblr-3007	287	17	the	the	DET
cblr-3007	287	18	market	market	NOUN
cblr-3007	287	19	more	more	ADV
cblr-3007	287	20	competitive	competitive	ADJ
cblr-3007	287	21	for	for	ADP
cblr-3007	287	22	everyone	everyone	PRON
cblr-3007	287	23	else	else	ADV
cblr-3007	287	24	,	,	PUNCT
cblr-3007	287	25	because	because	SCONJ
cblr-3007	287	26	they	they	PRON
cblr-3007	287	27	sensibly	sensibly	ADV
cblr-3007	287	28	expect	expect	VERB
cblr-3007	287	29	that	that	SCONJ
cblr-3007	287	30	more	more	ADJ
cblr-3007	287	31	shoppers	shopper	NOUN
cblr-3007	287	32	will	will	AUX
cblr-3007	287	33	come	come	VERB
cblr-3007	287	34	their	their	PRON
cblr-3007	287	35	way	way	NOUN
cblr-3007	287	36	.	.	PUNCT
cblr-3007	288	1	a	a	DET
cblr-3007	288	2	similar	similar	ADJ
cblr-3007	288	3	reason	reason	NOUN
cblr-3007	288	4	explains	explain	VERB
cblr-3007	288	5	why	why	SCONJ
cblr-3007	288	6	jewelers	jeweler	NOUN
cblr-3007	288	7	or	or	CCONJ
cblr-3007	288	8	diamond	diamond	NOUN
cblr-3007	288	9	dealers	dealer	NOUN
cblr-3007	288	10	all	all	PRON
cblr-3007	288	11	like	like	VERB
cblr-3007	288	12	to	to	PART
cblr-3007	288	13	work	work	VERB
cblr-3007	288	14	in	in	ADP
cblr-3007	288	15	the	the	DET
cblr-3007	288	16	same	same	ADJ
cblr-3007	288	17	district	district	NOUN
cblr-3007	288	18	.	.	PUNCT
cblr-3007	289	1	their	their	PRON
cblr-3007	289	2	close	close	ADJ
cblr-3007	289	3	proximity	proximity	NOUN
cblr-3007	289	4	generates	generate	VERB
cblr-3007	289	5	higher	high	ADJ
cblr-3007	289	6	overall	overall	ADJ
cblr-3007	289	7	traffic	traffic	NOUN
cblr-3007	289	8	that	that	PRON
cblr-3007	289	9	more	more	ADJ
cblr-3007	289	10	than	than	ADP
cblr-3007	289	11	compensates	compensate	NOUN
cblr-3007	289	12	for	for	ADP
cblr-3007	289	13	the	the	DET
cblr-3007	289	14	stiffer	stiff	ADJ
cblr-3007	289	15	competition	competition	NOUN
cblr-3007	289	16	.	.	PUNCT
cblr-3007	290	1	the	the	DET
cblr-3007	290	2	consumer	consumer	NOUN
cblr-3007	290	3	benefits	benefit	NOUN
cblr-3007	290	4	in	in	ADP
cblr-3007	290	5	both	both	DET
cblr-3007	290	6	cases	case	NOUN
cblr-3007	290	7	are	be	AUX
cblr-3007	290	8	unambiguous	unambiguous	ADJ
cblr-3007	290	9	.	.	PUNCT
cblr-3007	291	1	credit	credit	NOUN
cblr-3007	291	2	cards	card	NOUN
cblr-3007	291	3	also	also	ADV
cblr-3007	291	4	have	have	VERB
cblr-3007	291	5	other	other	ADJ
cblr-3007	291	6	advantages	advantage	NOUN
cblr-3007	291	7	for	for	ADP
cblr-3007	291	8	which	which	PRON
cblr-3007	291	9	debit	debit	NOUN
cblr-3007	291	10	instruments	instrument	NOUN
cblr-3007	291	11	are	be	AUX
cblr-3007	291	12	an	an	DET
cblr-3007	291	13	ineffective	ineffective	ADJ
cblr-3007	291	14	substitute	substitute	NOUN
cblr-3007	291	15	.	.	PUNCT
cblr-3007	292	1	try	try	VERB
cblr-3007	292	2	to	to	PART
cblr-3007	292	3	rent	rent	VERB
cblr-3007	292	4	a	a	DET
cblr-3007	292	5	car	car	NOUN
cblr-3007	292	6	23	23	NUM
cblr-3007	292	7	see	see	VERB
cblr-3007	292	8	evans	evans	PROPN
cblr-3007	292	9	&	&	CCONJ
cblr-3007	292	10	schmalensee	schmalensee	PROPN
cblr-3007	292	11	,	,	PUNCT
cblr-3007	292	12	supra	supra	PROPN
cblr-3007	292	13	note	note	PROPN
cblr-3007	292	14	4	4	NUM
cblr-3007	292	15	,	,	PUNCT
cblr-3007	292	16	at	at	ADP
cblr-3007	292	17	122	122	NUM
cblr-3007	292	18	-	-	SYM
cblr-3007	292	19	24	24	NUM
cblr-3007	292	20	.	.	PUNCT
cblr-3007	293	1	[	[	X
cblr-3007	293	2	vol	vol	NOUN
cblr-3007	293	3	.	.	PUNCT
cblr-3007	294	1	2005col	2005col	NUM
cblr-3007	294	2	umbia	umbia	NOUN
cblr-3007	295	1	b	b	PROPN
cblr-3007	296	1	usiness	usiness	PROPN
cblr-3007	296	2	la	la	PROPN
cblr-3007	296	3	w	w	PROPN
cblr-3007	296	4	re	re	PROPN
cblr-3007	296	5	vie	vie	PROPN
cblr-3007	296	6	w	w	PROPN
cblr-3007	296	7	the	the	DET
cblr-3007	296	8	regulation	regulation	NOUN
cblr-3007	296	9	of	of	ADP
cblr-3007	296	10	interchange	interchange	NOUN
cblr-3007	296	11	fees	fee	NOUN
cblr-3007	296	12	at	at	ADP
cblr-3007	296	13	the	the	DET
cblr-3007	296	14	airport	airport	NOUN
cblr-3007	296	15	or	or	CCONJ
cblr-3007	296	16	check	check	VERB
cblr-3007	296	17	into	into	ADP
cblr-3007	296	18	a	a	DET
cblr-3007	296	19	hotel	hotel	NOUN
cblr-3007	296	20	without	without	ADP
cblr-3007	296	21	a	a	DET
cblr-3007	296	22	credit	credit	NOUN
cblr-3007	296	23	card	card	NOUN
cblr-3007	296	24	.	.	PUNCT
cblr-3007	297	1	usually	usually	ADV
cblr-3007	297	2	,	,	PUNCT
cblr-3007	297	3	it	it	PRON
cblr-3007	297	4	is	be	AUX
cblr-3007	297	5	necessary	necessary	ADJ
cblr-3007	297	6	to	to	PART
cblr-3007	297	7	provide	provide	VERB
cblr-3007	297	8	a	a	DET
cblr-3007	297	9	credit	credit	NOUN
cblr-3007	297	10	card	card	NOUN
cblr-3007	297	11	to	to	PART
cblr-3007	297	12	cover	cover	VERB
cblr-3007	297	13	the	the	DET
cblr-3007	297	14	expenses	expense	NOUN
cblr-3007	297	15	of	of	ADP
cblr-3007	297	16	a	a	DET
cblr-3007	297	17	trip	trip	NOUN
cblr-3007	297	18	.	.	PUNCT
cblr-3007	298	1	the	the	DET
cblr-3007	298	2	protection	protection	NOUN
cblr-3007	298	3	here	here	ADV
cblr-3007	298	4	is	be	AUX
cblr-3007	298	5	imperfect	imperfect	ADJ
cblr-3007	298	6	because	because	SCONJ
cblr-3007	298	7	the	the	DET
cblr-3007	298	8	card	card	NOUN
cblr-3007	298	9	limit	limit	NOUN
cblr-3007	298	10	may	may	AUX
cblr-3007	298	11	be	be	AUX
cblr-3007	298	12	lower	low	ADJ
cblr-3007	298	13	than	than	ADP
cblr-3007	298	14	the	the	DET
cblr-3007	298	15	customer	customer	NOUN
cblr-3007	298	16	's	's	PART
cblr-3007	298	17	potential	potential	ADJ
cblr-3007	298	18	tab	tab	NOUN
cblr-3007	298	19	.	.	PUNCT
cblr-3007	299	1	this	this	DET
cblr-3007	299	2	recognition	recognition	NOUN
cblr-3007	299	3	explains	explain	VERB
cblr-3007	299	4	why	why	SCONJ
cblr-3007	299	5	most	most	ADJ
cblr-3007	299	6	consumers	consumer	NOUN
cblr-3007	299	7	seek	seek	VERB
cblr-3007	299	8	to	to	PART
cblr-3007	299	9	raise	raise	VERB
cblr-3007	299	10	their	their	PRON
cblr-3007	299	11	credit	credit	NOUN
cblr-3007	299	12	limits	limit	NOUN
cblr-3007	299	13	,	,	PUNCT
cblr-3007	299	14	as	as	SCONJ
cblr-3007	299	15	opposed	oppose	VERB
cblr-3007	299	16	to	to	ADP
cblr-3007	299	17	keeping	keep	VERB
cblr-3007	299	18	them	they	PRON
cblr-3007	299	19	low	low	ADJ
cblr-3007	299	20	(	(	PUNCT
cblr-3007	299	21	in	in	ADP
cblr-3007	299	22	an	an	DET
cblr-3007	299	23	effort	effort	NOUN
cblr-3007	299	24	to	to	PART
cblr-3007	299	25	guard	guard	VERB
cblr-3007	299	26	against	against	ADP
cblr-3007	299	27	binge	binge	NOUN
cblr-3007	299	28	buying	buying	NOUN
cblr-3007	299	29	,	,	PUNCT
cblr-3007	299	30	which	which	PRON
cblr-3007	299	31	people	people	NOUN
cblr-3007	299	32	can	can	AUX
cblr-3007	299	33	indulge	indulge	VERB
cblr-3007	299	34	in	in	ADP
cblr-3007	299	35	on	on	ADP
cblr-3007	299	36	store	store	NOUN
cblr-3007	299	37	credit	credit	NOUN
cblr-3007	299	38	)	)	PUNCT
cblr-3007	299	39	.	.	PUNCT
cblr-3007	300	1	but	but	CCONJ
cblr-3007	300	2	any	any	DET
cblr-3007	300	3	card	card	NOUN
cblr-3007	300	4	is	be	AUX
cblr-3007	300	5	likely	likely	ADJ
cblr-3007	300	6	to	to	PART
cblr-3007	300	7	prove	prove	VERB
cblr-3007	300	8	superior	superior	ADJ
cblr-3007	300	9	to	to	ADP
cblr-3007	300	10	leaving	leave	VERB
cblr-3007	300	11	wads	wad	NOUN
cblr-3007	300	12	of	of	ADP
cblr-3007	300	13	cash	cash	NOUN
cblr-3007	300	14	on	on	ADP
cblr-3007	300	15	the	the	DET
cblr-3007	300	16	table	table	NOUN
cblr-3007	300	17	or	or	CCONJ
cblr-3007	300	18	signing	signing	NOUN
cblr-3007	300	19	over	over	ADP
cblr-3007	300	20	a	a	DET
cblr-3007	300	21	blank	blank	ADJ
cblr-3007	300	22	check	check	NOUN
cblr-3007	300	23	that	that	PRON
cblr-3007	300	24	may	may	AUX
cblr-3007	300	25	or	or	CCONJ
cblr-3007	300	26	not	not	PART
cblr-3007	300	27	be	be	AUX
cblr-3007	300	28	backed	back	VERB
cblr-3007	300	29	by	by	ADP
cblr-3007	300	30	sufficient	sufficient	ADJ
cblr-3007	300	31	funds	fund	NOUN
cblr-3007	300	32	.	.	PUNCT
cblr-3007	301	1	credit	credit	NOUN
cblr-3007	301	2	cards	card	NOUN
cblr-3007	301	3	,	,	PUNCT
cblr-3007	301	4	therefore	therefore	ADV
cblr-3007	301	5	,	,	PUNCT
cblr-3007	301	6	also	also	ADV
cblr-3007	301	7	have	have	VERB
cblr-3007	301	8	their	their	PRON
cblr-3007	301	9	distinct	distinct	ADJ
cblr-3007	301	10	market	market	NOUN
cblr-3007	301	11	niche	niche	NOUN
cblr-3007	301	12	.	.	PUNCT
cblr-3007	302	1	the	the	DET
cblr-3007	302	2	question	question	NOUN
cblr-3007	302	3	remains	remain	VERB
cblr-3007	302	4	,	,	PUNCT
cblr-3007	302	5	though	though	ADV
cblr-3007	302	6	,	,	PUNCT
cblr-3007	302	7	how	how	SCONJ
cblr-3007	302	8	the	the	DET
cblr-3007	302	9	regulation	regulation	NOUN
cblr-3007	302	10	of	of	ADP
cblr-3007	302	11	interchange	interchange	NOUN
cblr-3007	302	12	fees	fee	NOUN
cblr-3007	302	13	in	in	ADP
cblr-3007	302	14	open	open	ADJ
cblr-3007	302	15	systems	system	NOUN
cblr-3007	302	16	will	will	AUX
cblr-3007	302	17	manifest	manifest	VERB
cblr-3007	302	18	itself	itself	PRON
cblr-3007	302	19	.	.	PUNCT
cblr-3007	303	1	c.	c.	NOUN
cblr-3007	304	1	the	the	DET
cblr-3007	304	2	impact	impact	NOUN
cblr-3007	304	3	of	of	ADP
cblr-3007	304	4	interchange	interchange	NOUN
cblr-3007	304	5	fees	fee	NOUN
cblr-3007	304	6	1	1	NUM
cblr-3007	304	7	.	.	PUNCT
cblr-3007	304	8	debit	debit	NOUN
cblr-3007	304	9	instruments	instrument	NOUN
cblr-3007	304	10	the	the	DET
cblr-3007	304	11	obvious	obvious	ADJ
cblr-3007	304	12	implication	implication	NOUN
cblr-3007	304	13	of	of	ADP
cblr-3007	304	14	the	the	DET
cblr-3007	304	15	rba	rba	NOUN
cblr-3007	304	16	report	report	NOUN
cblr-3007	304	17	is	be	AUX
cblr-3007	304	18	that	that	SCONJ
cblr-3007	304	19	the	the	DET
cblr-3007	304	20	removal	removal	NOUN
cblr-3007	304	21	of	of	ADP
cblr-3007	304	22	the	the	DET
cblr-3007	304	23	cross	cross	NOUN
cblr-3007	304	24	-	-	ADJ
cblr-3007	304	25	subsidy	subsidy	ADJ
cblr-3007	304	26	will	will	AUX
cblr-3007	304	27	increase	increase	VERB
cblr-3007	304	28	,	,	PUNCT
cblr-3007	304	29	to	to	ADP
cblr-3007	304	30	some	some	DET
cblr-3007	304	31	extent	extent	NOUN
cblr-3007	304	32	,	,	PUNCT
cblr-3007	304	33	the	the	DET
cblr-3007	304	34	frequency	frequency	NOUN
cblr-3007	304	35	of	of	ADP
cblr-3007	304	36	use	use	NOUN
cblr-3007	304	37	for	for	ADP
cblr-3007	304	38	all	all	DET
cblr-3007	304	39	debit	debit	NOUN
cblr-3007	304	40	instruments	instrument	NOUN
cblr-3007	304	41	.	.	PUNCT
cblr-3007	305	1	the	the	DET
cblr-3007	305	2	extent	extent	NOUN
cblr-3007	305	3	of	of	ADP
cblr-3007	305	4	this	this	DET
cblr-3007	305	5	effect	effect	NOUN
cblr-3007	305	6	depends	depend	VERB
cblr-3007	305	7	in	in	ADP
cblr-3007	305	8	large	large	ADJ
cblr-3007	305	9	part	part	NOUN
cblr-3007	305	10	on	on	ADP
cblr-3007	305	11	the	the	DET
cblr-3007	305	12	relative	relative	ADJ
cblr-3007	305	13	price	price	NOUN
cblr-3007	305	14	differences	difference	NOUN
cblr-3007	305	15	observed	observe	VERB
cblr-3007	305	16	by	by	ADP
cblr-3007	305	17	consumers	consumer	NOUN
cblr-3007	305	18	.	.	PUNCT
cblr-3007	306	1	in	in	ADP
cblr-3007	306	2	this	this	DET
cblr-3007	306	3	regard	regard	NOUN
cblr-3007	306	4	,	,	PUNCT
cblr-3007	306	5	it	it	PRON
cblr-3007	306	6	is	be	AUX
cblr-3007	306	7	critical	critical	ADJ
cblr-3007	306	8	to	to	PART
cblr-3007	306	9	look	look	VERB
cblr-3007	306	10	back	back	ADV
cblr-3007	306	11	to	to	ADP
cblr-3007	306	12	the	the	DET
cblr-3007	306	13	relative	relative	ADJ
cblr-3007	306	14	costs	cost	NOUN
cblr-3007	306	15	of	of	ADP
cblr-3007	306	16	the	the	DET
cblr-3007	306	17	two	two	NUM
cblr-3007	306	18	transactions	transaction	NOUN
cblr-3007	306	19	as	as	SCONJ
cblr-3007	306	20	outlined	outline	VERB
cblr-3007	306	21	in	in	ADP
cblr-3007	306	22	figure	figure	NOUN
cblr-3007	306	23	2	2	NUM
cblr-3007	306	24	above.24	above.24	NOUN
cblr-3007	306	25	here	here	ADV
cblr-3007	306	26	,	,	PUNCT
cblr-3007	306	27	the	the	DET
cblr-3007	306	28	costs	cost	NOUN
cblr-3007	306	29	portrayed	portray	VERB
cblr-3007	306	30	are	be	AUX
cblr-3007	306	31	not	not	PART
cblr-3007	306	32	the	the	DET
cblr-3007	306	33	total	total	ADJ
cblr-3007	306	34	costs	cost	NOUN
cblr-3007	306	35	to	to	ADP
cblr-3007	306	36	the	the	DET
cblr-3007	306	37	user	user	NOUN
cblr-3007	306	38	,	,	PUNCT
cblr-3007	306	39	but	but	CCONJ
cblr-3007	306	40	only	only	ADV
cblr-3007	306	41	the	the	DET
cblr-3007	306	42	transfer	transfer	NOUN
cblr-3007	306	43	payments	payment	NOUN
cblr-3007	306	44	that	that	PRON
cblr-3007	306	45	users	user	NOUN
cblr-3007	306	46	make	make	VERB
cblr-3007	306	47	to	to	ADP
cblr-3007	306	48	merchants	merchant	NOUN
cblr-3007	306	49	in	in	ADP
cblr-3007	306	50	order	order	NOUN
cblr-3007	306	51	to	to	PART
cblr-3007	306	52	participate	participate	VERB
cblr-3007	306	53	in	in	ADP
cblr-3007	306	54	these	these	DET
cblr-3007	306	55	transactions	transaction	NOUN
cblr-3007	306	56	.	.	PUNCT
cblr-3007	307	1	but	but	CCONJ
cblr-3007	307	2	the	the	DET
cblr-3007	307	3	situation	situation	NOUN
cblr-3007	307	4	from	from	ADP
cblr-3007	307	5	the	the	DET
cblr-3007	307	6	customer	customer	NOUN
cblr-3007	307	7	's	's	PART
cblr-3007	307	8	point	point	NOUN
cblr-3007	307	9	of	of	ADP
cblr-3007	307	10	view	view	NOUN
cblr-3007	307	11	is	be	AUX
cblr-3007	307	12	decidedly	decidedly	ADV
cblr-3007	307	13	different	different	ADJ
cblr-3007	307	14	than	than	SCONJ
cblr-3007	307	15	this	this	DET
cblr-3007	307	16	figure	figure	NOUN
cblr-3007	307	17	indicates	indicate	VERB
cblr-3007	307	18	because	because	SCONJ
cblr-3007	307	19	cash	cash	NOUN
cblr-3007	307	20	and	and	CCONJ
cblr-3007	307	21	checks	check	NOUN
cblr-3007	307	22	,	,	PUNCT
cblr-3007	307	23	in	in	ADP
cblr-3007	307	24	particular	particular	ADJ
cblr-3007	307	25	,	,	PUNCT
cblr-3007	307	26	have	have	VERB
cblr-3007	307	27	costs	cost	NOUN
cblr-3007	307	28	that	that	PRON
cblr-3007	307	29	are	be	AUX
cblr-3007	307	30	not	not	PART
cblr-3007	307	31	reflected	reflect	VERB
cblr-3007	307	32	in	in	ADP
cblr-3007	307	33	these	these	DET
cblr-3007	307	34	transfer	transfer	NOUN
cblr-3007	307	35	payments	payment	NOUN
cblr-3007	307	36	.	.	PUNCT
cblr-3007	308	1	the	the	DET
cblr-3007	308	2	private	private	ADJ
cblr-3007	308	3	costs	cost	NOUN
cblr-3007	308	4	associated	associate	VERB
cblr-3007	308	5	with	with	ADP
cblr-3007	308	6	the	the	DET
cblr-3007	308	7	use	use	NOUN
cblr-3007	308	8	of	of	ADP
cblr-3007	308	9	cash	cash	NOUN
cblr-3007	308	10	and	and	CCONJ
cblr-3007	308	11	checks	check	NOUN
cblr-3007	308	12	are	be	AUX
cblr-3007	308	13	plentiful	plentiful	ADJ
cblr-3007	308	14	and	and	CCONJ
cblr-3007	308	15	should	should	AUX
cblr-3007	308	16	not	not	PART
cblr-3007	308	17	be	be	AUX
cblr-3007	308	18	ignored	ignore	VERB
cblr-3007	308	19	.	.	PUNCT
cblr-3007	309	1	most	most	ADJ
cblr-3007	309	2	people	people	NOUN
cblr-3007	309	3	withdraw	withdraw	VERB
cblr-3007	309	4	their	their	PRON
cblr-3007	309	5	cash	cash	NOUN
cblr-3007	309	6	from	from	ADP
cblr-3007	309	7	an	an	DET
cblr-3007	309	8	atm	atm	NOUN
cblr-3007	309	9	.	.	PUNCT
cblr-3007	310	1	when	when	SCONJ
cblr-3007	310	2	cash	cash	NOUN
cblr-3007	310	3	is	be	AUX
cblr-3007	310	4	drawn	draw	VERB
cblr-3007	310	5	from	from	ADP
cblr-3007	310	6	a	a	DET
cblr-3007	310	7	machine	machine	NOUN
cblr-3007	310	8	owned	own	VERB
cblr-3007	310	9	by	by	ADP
cblr-3007	310	10	another	another	DET
cblr-3007	310	11	bank	bank	NOUN
cblr-3007	310	12	,	,	PUNCT
cblr-3007	310	13	consumers	consumer	NOUN
cblr-3007	310	14	frequently	frequently	ADV
cblr-3007	310	15	pay	pay	VERB
cblr-3007	310	16	a	a	DET
cblr-3007	310	17	flat	flat	ADJ
cblr-3007	310	18	fee	fee	NOUN
cblr-3007	310	19	that	that	PRON
cblr-3007	310	20	,	,	PUNCT
cblr-3007	310	21	for	for	ADP
cblr-3007	310	22	most	most	ADJ
cblr-3007	310	23	withdrawals	withdrawal	NOUN
cblr-3007	310	24	,	,	PUNCT
cblr-3007	310	25	will	will	AUX
cblr-3007	310	26	be	be	AUX
cblr-3007	310	27	4	4	NUM
cblr-3007	310	28	see	see	NOUN
cblr-3007	310	29	supra	supra	PROPN
cblr-3007	310	30	note	note	PROPN
cblr-3007	310	31	17	17	NUM
cblr-3007	310	32	and	and	CCONJ
cblr-3007	310	33	accompanying	accompany	VERB
cblr-3007	310	34	text	text	NOUN
cblr-3007	310	35	and	and	CCONJ
cblr-3007	310	36	graphic	graphic	NOUN
cblr-3007	310	37	.	.	PUNCT
cblr-3007	311	1	no	no	INTJ
cblr-3007	311	2	.	.	PUNCT
cblr-3007	312	1	3:55	3:55	NUM
cblr-3007	312	2	1	1	NUM
cblr-3007	312	3	]	]	PUNCT
cblr-3007	312	4	equal	equal	ADJ
cblr-3007	312	5	to	to	ADP
cblr-3007	312	6	about	about	ADV
cblr-3007	312	7	one	one	NUM
cblr-3007	312	8	percent	percent	NOUN
cblr-3007	312	9	of	of	ADP
cblr-3007	312	10	the	the	DET
cblr-3007	312	11	money	money	NOUN
cblr-3007	312	12	received.25	received.25	NOUN
cblr-3007	312	13	in	in	ADP
cblr-3007	312	14	addition	addition	NOUN
cblr-3007	312	15	,	,	PUNCT
cblr-3007	312	16	to	to	PART
cblr-3007	312	17	maintain	maintain	VERB
cblr-3007	312	18	ready	ready	ADJ
cblr-3007	312	19	access	access	NOUN
cblr-3007	312	20	to	to	ADP
cblr-3007	312	21	their	their	PRON
cblr-3007	312	22	funds	fund	NOUN
cblr-3007	312	23	,	,	PUNCT
cblr-3007	312	24	consumers	consumer	NOUN
cblr-3007	312	25	must	must	AUX
cblr-3007	312	26	keep	keep	VERB
cblr-3007	312	27	their	their	PRON
cblr-3007	312	28	money	money	NOUN
cblr-3007	312	29	in	in	ADP
cblr-3007	312	30	checking	check	VERB
cblr-3007	312	31	accounts	account	NOUN
cblr-3007	312	32	that	that	PRON
cblr-3007	312	33	pay	pay	VERB
cblr-3007	312	34	little	little	ADJ
cblr-3007	312	35	or	or	CCONJ
cblr-3007	312	36	no	no	PRON
cblr-3007	312	37	interest	interest	NOUN
cblr-3007	312	38	.	.	PUNCT
cblr-3007	313	1	often	often	ADV
cblr-3007	313	2	there	there	PRON
cblr-3007	313	3	are	be	VERB
cblr-3007	313	4	also	also	ADV
cblr-3007	313	5	fees	fee	NOUN
cblr-3007	313	6	for	for	ADP
cblr-3007	313	7	maintaining	maintain	VERB
cblr-3007	313	8	checking	check	VERB
cblr-3007	313	9	accounts	account	NOUN
cblr-3007	313	10	or	or	CCONJ
cblr-3007	313	11	for	for	ADP
cblr-3007	313	12	cashing	cash	VERB
cblr-3007	313	13	individual	individual	ADJ
cblr-3007	313	14	checks	check	NOUN
cblr-3007	313	15	.	.	PUNCT
cblr-3007	314	1	another	another	DET
cblr-3007	314	2	private	private	ADJ
cblr-3007	314	3	cost	cost	NOUN
cblr-3007	314	4	is	be	AUX
cblr-3007	314	5	risk	risk	NOUN
cblr-3007	314	6	:	:	PUNCT
cblr-3007	314	7	both	both	CCONJ
cblr-3007	314	8	cash	cash	NOUN
cblr-3007	314	9	and	and	CCONJ
cblr-3007	314	10	checks	check	NOUN
cblr-3007	314	11	can	can	AUX
cblr-3007	314	12	be	be	AUX
cblr-3007	314	13	lost	lose	VERB
cblr-3007	314	14	or	or	CCONJ
cblr-3007	314	15	stolen.26	stolen.26	ADJ
cblr-3007	314	16	with	with	ADP
cblr-3007	314	17	regard	regard	NOUN
cblr-3007	314	18	to	to	ADP
cblr-3007	314	19	cash	cash	NOUN
cblr-3007	314	20	,	,	PUNCT
cblr-3007	314	21	what	what	PRON
cblr-3007	314	22	is	be	AUX
cblr-3007	314	23	gone	go	VERB
cblr-3007	314	24	is	be	AUX
cblr-3007	314	25	gone	go	VERB
cblr-3007	314	26	;	;	PUNCT
cblr-3007	314	27	there	there	PRON
cblr-3007	314	28	is	be	VERB
cblr-3007	314	29	simply	simply	ADV
cblr-3007	314	30	no	no	DET
cblr-3007	314	31	way	way	NOUN
cblr-3007	314	32	to	to	PART
cblr-3007	314	33	stop	stop	VERB
cblr-3007	314	34	payment	payment	NOUN
cblr-3007	314	35	on	on	ADP
cblr-3007	314	36	this	this	DET
cblr-3007	314	37	ultimate	ultimate	ADJ
cblr-3007	314	38	negotiable	negotiable	ADJ
cblr-3007	314	39	instrument	instrument	NOUN
cblr-3007	314	40	.	.	PUNCT
cblr-3007	315	1	all	all	PRON
cblr-3007	315	2	of	of	ADP
cblr-3007	315	3	these	these	DET
cblr-3007	315	4	aforementioned	aforementione	VERB
cblr-3007	315	5	costs	cost	NOUN
cblr-3007	315	6	must	must	AUX
cblr-3007	315	7	be	be	AUX
cblr-3007	315	8	added	add	VERB
cblr-3007	315	9	back	back	ADV
cblr-3007	315	10	into	into	ADP
cblr-3007	315	11	the	the	DET
cblr-3007	315	12	cost	cost	NOUN
cblr-3007	315	13	of	of	ADP
cblr-3007	315	14	transacting	transact	VERB
cblr-3007	315	15	by	by	ADP
cblr-3007	315	16	cash	cash	NOUN
cblr-3007	315	17	or	or	CCONJ
cblr-3007	315	18	check	check	NOUN
cblr-3007	315	19	.	.	PUNCT
cblr-3007	316	1	one	one	NUM
cblr-3007	316	2	response	response	NOUN
cblr-3007	316	3	to	to	ADP
cblr-3007	316	4	this	this	DET
cblr-3007	316	5	concern	concern	NOUN
cblr-3007	316	6	argues	argue	VERB
cblr-3007	316	7	that	that	SCONJ
cblr-3007	316	8	the	the	DET
cblr-3007	316	9	amount	amount	NOUN
cblr-3007	316	10	of	of	ADP
cblr-3007	316	11	money	money	NOUN
cblr-3007	316	12	lost	lose	VERB
cblr-3007	316	13	or	or	CCONJ
cblr-3007	316	14	stolen	steal	VERB
cblr-3007	316	15	is	be	AUX
cblr-3007	316	16	trivial	trivial	ADJ
cblr-3007	316	17	in	in	ADP
cblr-3007	316	18	relation	relation	NOUN
cblr-3007	316	19	to	to	ADP
cblr-3007	316	20	the	the	DET
cblr-3007	316	21	total	total	ADJ
cblr-3007	316	22	amount	amount	NOUN
cblr-3007	316	23	of	of	ADP
cblr-3007	316	24	cash	cash	NOUN
cblr-3007	316	25	in	in	ADP
cblr-3007	316	26	circulation	circulation	NOUN
cblr-3007	316	27	.	.	PUNCT
cblr-3007	317	1	while	while	SCONJ
cblr-3007	317	2	this	this	PRON
cblr-3007	317	3	may	may	AUX
cblr-3007	317	4	be	be	AUX
cblr-3007	317	5	true	true	ADJ
cblr-3007	317	6	,	,	PUNCT
cblr-3007	317	7	it	it	PRON
cblr-3007	317	8	is	be	AUX
cblr-3007	317	9	not	not	PART
cblr-3007	317	10	a	a	DET
cblr-3007	317	11	decisive	decisive	ADJ
cblr-3007	317	12	criticism	criticism	NOUN
cblr-3007	317	13	because	because	SCONJ
cblr-3007	317	14	the	the	DET
cblr-3007	317	15	amount	amount	NOUN
cblr-3007	317	16	of	of	ADP
cblr-3007	317	17	cash	cash	NOUN
cblr-3007	317	18	lost	lose	VERB
cblr-3007	317	19	is	be	AUX
cblr-3007	317	20	typically	typically	ADV
cblr-3007	317	21	small	small	ADJ
cblr-3007	317	22	because	because	SCONJ
cblr-3007	317	23	most	most	ADJ
cblr-3007	317	24	people	people	NOUN
cblr-3007	317	25	choose	choose	VERB
cblr-3007	317	26	to	to	PART
cblr-3007	317	27	carry	carry	VERB
cblr-3007	317	28	only	only	ADV
cblr-3007	317	29	small	small	ADJ
cblr-3007	317	30	amounts	amount	NOUN
cblr-3007	317	31	of	of	ADP
cblr-3007	317	32	cash	cash	NOUN
cblr-3007	317	33	.	.	PUNCT
cblr-3007	318	1	they	they	PRON
cblr-3007	318	2	are	be	AUX
cblr-3007	318	3	able	able	ADJ
cblr-3007	318	4	to	to	PART
cblr-3007	318	5	do	do	VERB
cblr-3007	318	6	this	this	PRON
cblr-3007	318	7	because	because	SCONJ
cblr-3007	318	8	they	they	PRON
cblr-3007	318	9	have	have	VERB
cblr-3007	318	10	credit	credit	NOUN
cblr-3007	318	11	cards	card	NOUN
cblr-3007	318	12	at	at	ADP
cblr-3007	318	13	their	their	PRON
cblr-3007	318	14	disposal	disposal	NOUN
cblr-3007	318	15	for	for	ADP
cblr-3007	318	16	most	most	ADJ
cblr-3007	318	17	transactions	transaction	NOUN
cblr-3007	318	18	,	,	PUNCT
cblr-3007	318	19	especially	especially	ADV
cblr-3007	318	20	for	for	ADP
cblr-3007	318	21	big	big	ADJ
cblr-3007	318	22	ticket	ticket	NOUN
cblr-3007	318	23	items	item	NOUN
cblr-3007	318	24	.	.	PUNCT
cblr-3007	319	1	few	few	ADJ
cblr-3007	319	2	people	people	NOUN
cblr-3007	319	3	will	will	AUX
cblr-3007	319	4	opt	opt	VERB
cblr-3007	319	5	to	to	PART
cblr-3007	319	6	carry	carry	VERB
cblr-3007	319	7	around	around	ADP
cblr-3007	319	8	the	the	DET
cblr-3007	319	9	thousands	thousand	NOUN
cblr-3007	319	10	of	of	ADP
cblr-3007	319	11	dollars	dollar	NOUN
cblr-3007	319	12	that	that	PRON
cblr-3007	319	13	it	it	PRON
cblr-3007	319	14	would	would	AUX
cblr-3007	319	15	take	take	VERB
cblr-3007	319	16	to	to	PART
cblr-3007	319	17	purchase	purchase	VERB
cblr-3007	319	18	a	a	DET
cblr-3007	319	19	plasma	plasma	NOUN
cblr-3007	319	20	television	television	NOUN
cblr-3007	319	21	when	when	SCONJ
cblr-3007	319	22	they	they	PRON
cblr-3007	319	23	can	can	AUX
cblr-3007	319	24	simply	simply	ADV
cblr-3007	319	25	take	take	VERB
cblr-3007	319	26	a	a	DET
cblr-3007	319	27	credit	credit	NOUN
cblr-3007	319	28	card	card	NOUN
cblr-3007	319	29	instead	instead	ADV
cblr-3007	319	30	.	.	PUNCT
cblr-3007	320	1	the	the	DET
cblr-3007	320	2	costs	cost	NOUN
cblr-3007	320	3	associated	associate	VERB
cblr-3007	320	4	with	with	ADP
cblr-3007	320	5	the	the	DET
cblr-3007	320	6	risk	risk	NOUN
cblr-3007	320	7	of	of	ADP
cblr-3007	320	8	theft	theft	NOUN
cblr-3007	320	9	also	also	ADV
cblr-3007	320	10	applies	apply	VERB
cblr-3007	320	11	to	to	ADP
cblr-3007	320	12	the	the	DET
cblr-3007	320	13	use	use	NOUN
cblr-3007	320	14	of	of	ADP
cblr-3007	320	15	checks	check	NOUN
cblr-3007	320	16	in	in	ADP
cblr-3007	320	17	stores	store	NOUN
cblr-3007	320	18	.	.	PUNCT
cblr-3007	321	1	anyone	anyone	PRON
cblr-3007	321	2	who	who	PRON
cblr-3007	321	3	has	have	AUX
cblr-3007	321	4	ever	ever	ADV
cblr-3007	321	5	had	have	VERB
cblr-3007	321	6	his	his	PRON
cblr-3007	321	7	or	or	CCONJ
cblr-3007	321	8	her	her	PRON
cblr-3007	321	9	checkbook	checkbook	NOUN
cblr-3007	321	10	stolen	steal	VERB
cblr-3007	321	11	knows	know	VERB
cblr-3007	321	12	how	how	SCONJ
cblr-3007	321	13	difficult	difficult	ADJ
cblr-3007	321	14	it	it	PRON
cblr-3007	321	15	is	be	AUX
cblr-3007	321	16	to	to	PART
cblr-3007	321	17	stop	stop	VERB
cblr-3007	321	18	payment	payment	NOUN
cblr-3007	321	19	on	on	ADP
cblr-3007	321	20	forged	forge	VERB
cblr-3007	321	21	checks	check	NOUN
cblr-3007	321	22	.	.	PUNCT
cblr-3007	322	1	a	a	DET
cblr-3007	322	2	theft	theft	NOUN
cblr-3007	322	3	may	may	AUX
cblr-3007	322	4	go	go	VERB
cblr-3007	322	5	undetected	undetected	ADJ
cblr-3007	322	6	for	for	ADP
cblr-3007	322	7	25	25	NUM
cblr-3007	322	8	greg	greg	PROPN
cblr-3007	322	9	mcbride	mcbride	PROPN
cblr-3007	322	10	,	,	PUNCT
cblr-3007	322	11	checking	check	VERB
cblr-3007	322	12	study	study	NOUN
cblr-3007	322	13	:	:	PUNCT
cblr-3007	322	14	atm	atm	PROPN
cblr-3007	322	15	fees	fee	NOUN
cblr-3007	322	16	keep	keep	VERB
cblr-3007	322	17	climbing	climb	VERB
cblr-3007	322	18	,	,	PUNCT
cblr-3007	322	19	bankrate.com	bankrate.com	X
cblr-3007	322	20	,	,	PUNCT
cblr-3007	322	21	may	may	AUX
cblr-3007	322	22	11	11	NUM
cblr-3007	322	23	,	,	PUNCT
cblr-3007	322	24	2005	2005	NUM
cblr-3007	322	25	,	,	PUNCT
cblr-3007	322	26	http://www.bankrate.com/brm/news/	http://www.bankrate.com/brm/news/	DET
cblr-3007	322	27	chk/20050511cl.asp	chk/20050511cl.asp	PROPN
cblr-3007	322	28	.	.	PUNCT
cblr-3007	323	1	the	the	DET
cblr-3007	323	2	study	study	NOUN
cblr-3007	323	3	reports	report	VERB
cblr-3007	323	4	that	that	SCONJ
cblr-3007	323	5	the	the	DET
cblr-3007	323	6	average	average	ADJ
cblr-3007	323	7	fee	fee	NOUN
cblr-3007	323	8	for	for	ADP
cblr-3007	323	9	withdrawal	withdrawal	NOUN
cblr-3007	323	10	from	from	ADP
cblr-3007	323	11	a	a	DET
cblr-3007	323	12	"	"	PUNCT
cblr-3007	323	13	wrong	wrong	ADJ
cblr-3007	323	14	"	"	PUNCT
cblr-3007	323	15	bank	bank	NOUN
cblr-3007	323	16	atm	atm	NOUN
cblr-3007	323	17	is	be	AUX
cblr-3007	323	18	now	now	ADV
cblr-3007	323	19	about	about	ADP
cblr-3007	323	20	$	$	SYM
cblr-3007	323	21	1.35	1.35	NUM
cblr-3007	323	22	and	and	CCONJ
cblr-3007	323	23	that	that	SCONJ
cblr-3007	323	24	estimated	estimate	VERB
cblr-3007	323	25	total	total	ADJ
cblr-3007	323	26	annual	annual	ADJ
cblr-3007	323	27	fees	fee	NOUN
cblr-3007	323	28	exacted	exact	VERB
cblr-3007	323	29	from	from	ADP
cblr-3007	323	30	these	these	DET
cblr-3007	323	31	transactions	transaction	NOUN
cblr-3007	323	32	approximate	approximate	VERB
cblr-3007	323	33	almost	almost	ADV
cblr-3007	323	34	four	four	NUM
cblr-3007	323	35	billion	billion	NUM
cblr-3007	323	36	dollars	dollar	NOUN
cblr-3007	323	37	in	in	ADP
cblr-3007	323	38	2005	2005	NUM
cblr-3007	323	39	.	.	PUNCT
cblr-3007	324	1	a	a	DET
cblr-3007	324	2	second	second	ADJ
cblr-3007	324	3	recent	recent	ADJ
cblr-3007	324	4	survey	survey	NOUN
cblr-3007	324	5	placed	place	VERB
cblr-3007	324	6	the	the	DET
cblr-3007	324	7	average	average	ADJ
cblr-3007	324	8	atm	atm	NOUN
cblr-3007	324	9	service	service	NOUN
cblr-3007	324	10	charge	charge	NOUN
cblr-3007	324	11	at	at	ADP
cblr-3007	324	12	$	$	SYM
cblr-3007	324	13	1.55	1.55	NUM
cblr-3007	324	14	.	.	PUNCT
cblr-3007	325	1	mike	mike	PROPN
cblr-3007	325	2	licker	licker	PROPN
cblr-3007	325	3	,	,	PUNCT
cblr-3007	325	4	nypirg	nypirg	NOUN
cblr-3007	325	5	plans	plan	NOUN
cblr-3007	325	6	to	to	PART
cblr-3007	325	7	warn	warn	VERB
cblr-3007	325	8	students	student	NOUN
cblr-3007	325	9	about	about	ADP
cblr-3007	325	10	expensive	expensive	ADJ
cblr-3007	325	11	atm	atm	NOUN
cblr-3007	325	12	service	service	NOUN
cblr-3007	325	13	fees	fee	NOUN
cblr-3007	325	14	,	,	PUNCT
cblr-3007	325	15	the	the	DET
cblr-3007	325	16	daily	daily	ADJ
cblr-3007	325	17	orange	orange	NOUN
cblr-3007	325	18	,	,	PUNCT
cblr-3007	325	19	apr	apr	PROPN
cblr-3007	325	20	.	.	PROPN
cblr-3007	325	21	26	26	NUM
cblr-3007	325	22	,	,	PUNCT
cblr-3007	325	23	2004	2004	NUM
cblr-3007	325	24	,	,	PUNCT
cblr-3007	325	25	http://www.dailyorange.com/media/paper522/news/2004/	http://www.dailyorange.com/media/paper522/news/2004/	NOUN
cblr-3007	325	26	04/26	04/26	NOUN
cblr-3007	325	27	/	/	SYM
cblr-3007	325	28	news	news	NOUN
cblr-3007	325	29	/	/	SYM
cblr-3007	325	30	nypirg.plans.to.warn.students.about.expensive.atm.service	nypirg.plans.to.warn.students.about.expensive.atm.service	NOUN
cblr-3007	325	31	.fees-671154.shtml	.fees-671154.shtml	PUNCT
cblr-3007	325	32	.	.	PUNCT
cblr-3007	326	1	in	in	ADP
cblr-3007	326	2	some	some	DET
cblr-3007	326	3	cases	case	NOUN
cblr-3007	326	4	,	,	PUNCT
cblr-3007	326	5	a	a	DET
cblr-3007	326	6	percentage	percentage	NOUN
cblr-3007	326	7	fee	fee	NOUN
cblr-3007	326	8	is	be	AUX
cblr-3007	326	9	charged	charge	VERB
cblr-3007	326	10	depending	depend	VERB
cblr-3007	326	11	on	on	ADP
cblr-3007	326	12	the	the	DET
cblr-3007	326	13	size	size	NOUN
cblr-3007	326	14	of	of	ADP
cblr-3007	326	15	the	the	DET
cblr-3007	326	16	withdrawal	withdrawal	NOUN
cblr-3007	326	17	,	,	PUNCT
cblr-3007	326	18	but	but	CCONJ
cblr-3007	326	19	these	these	DET
cblr-3007	326	20	surveys	survey	NOUN
cblr-3007	326	21	did	do	AUX
cblr-3007	326	22	not	not	PART
cblr-3007	326	23	report	report	VERB
cblr-3007	326	24	as	as	ADP
cblr-3007	326	25	such	such	ADJ
cblr-3007	326	26	.	.	PUNCT
cblr-3007	327	1	26	26	NUM
cblr-3007	327	2	see	see	VERB
cblr-3007	327	3	evans	evans	PROPN
cblr-3007	327	4	&	&	CCONJ
cblr-3007	327	5	schmalensee	schmalensee	PROPN
cblr-3007	327	6	,	,	PUNCT
cblr-3007	327	7	supra	supra	PROPN
cblr-3007	327	8	note	note	PROPN
cblr-3007	327	9	4	4	NUM
cblr-3007	327	10	,	,	PUNCT
cblr-3007	327	11	at	at	ADP
cblr-3007	327	12	30	30	NUM
cblr-3007	327	13	-	-	SYM
cblr-3007	327	14	31	31	NUM
cblr-3007	327	15	.	.	PUNCT
cblr-3007	328	1	evans	evans	PROPN
cblr-3007	328	2	and	and	CCONJ
cblr-3007	328	3	schmalensee	schmalensee	PROPN
cblr-3007	328	4	report	report	VERB
cblr-3007	328	5	that	that	SCONJ
cblr-3007	328	6	$	$	SYM
cblr-3007	328	7	850	850	NUM
cblr-3007	328	8	million	million	NUM
cblr-3007	328	9	in	in	ADP
cblr-3007	328	10	cash	cash	NOUN
cblr-3007	328	11	was	be	AUX
cblr-3007	328	12	stolen	steal	VERB
cblr-3007	328	13	from	from	ADP
cblr-3007	328	14	84,000	84,000	NUM
cblr-3007	328	15	robberies	robbery	NOUN
cblr-3007	328	16	and	and	CCONJ
cblr-3007	328	17	pickpockets	pickpocket	NOUN
cblr-3007	328	18	in	in	ADP
cblr-3007	328	19	1995	1995	NUM
cblr-3007	328	20	alone	alone	ADV
cblr-3007	328	21	.	.	PUNCT
cblr-3007	329	1	col	col	PROPN
cblr-3007	329	2	umbia	umbia	PROPN
cblr-3007	329	3	b	b	PROPN
cblr-3007	329	4	usiness	usiness	PROPN
cblr-3007	329	5	la	la	PROPN
cblr-3007	329	6	w	w	PROPN
cblr-3007	329	7	re	re	PROPN
cblr-3007	329	8	vie	vie	PROPN
cblr-3007	329	9	w	w	PROPN
cblr-3007	330	1	[	[	X
cblr-3007	330	2	vol	vol	NOUN
cblr-3007	330	3	.	.	PUNCT
cblr-3007	330	4	2005	2005	NUM
cblr-3007	330	5	the	the	DET
cblr-3007	330	6	regula	regula	NOUN
cblr-3007	330	7	tion	tion	NOUN
cblr-3007	330	8	of	of	ADP
cblr-3007	330	9	interchange	interchange	NOUN
cblr-3007	330	10	fees	fee	NOUN
cblr-3007	330	11	hours	hour	NOUN
cblr-3007	330	12	or	or	CCONJ
cblr-3007	330	13	perhaps	perhaps	ADV
cblr-3007	330	14	even	even	ADV
cblr-3007	330	15	days	day	NOUN
cblr-3007	330	16	.	.	PUNCT
cblr-3007	331	1	in	in	ADP
cblr-3007	331	2	the	the	DET
cblr-3007	331	3	meantime	meantime	NOUN
cblr-3007	331	4	,	,	PUNCT
cblr-3007	331	5	large	large	ADJ
cblr-3007	331	6	amounts	amount	NOUN
cblr-3007	331	7	of	of	ADP
cblr-3007	331	8	money	money	NOUN
cblr-3007	331	9	can	can	AUX
cblr-3007	331	10	be	be	AUX
cblr-3007	331	11	charged	charge	VERB
cblr-3007	331	12	against	against	ADP
cblr-3007	331	13	a	a	DET
cblr-3007	331	14	consumer	consumer	NOUN
cblr-3007	331	15	's	's	PART
cblr-3007	331	16	account	account	NOUN
cblr-3007	331	17	,	,	PUNCT
cblr-3007	331	18	particularly	particularly	ADV
cblr-3007	331	19	if	if	SCONJ
cblr-3007	331	20	merchants	merchant	NOUN
cblr-3007	331	21	fail	fail	VERB
cblr-3007	331	22	to	to	PART
cblr-3007	331	23	seek	seek	VERB
cblr-3007	331	24	verification	verification	NOUN
cblr-3007	331	25	of	of	ADP
cblr-3007	331	26	the	the	DET
cblr-3007	331	27	check	check	NOUN
cblr-3007	331	28	writer	writer	NOUN
cblr-3007	331	29	's	's	PART
cblr-3007	331	30	signature	signature	NOUN
cblr-3007	331	31	.	.	PUNCT
cblr-3007	332	1	thus	thus	ADV
cblr-3007	332	2	,	,	PUNCT
cblr-3007	332	3	the	the	DET
cblr-3007	332	4	obvious	obvious	ADJ
cblr-3007	332	5	strategy	strategy	NOUN
cblr-3007	332	6	is	be	AUX
cblr-3007	332	7	to	to	PART
cblr-3007	332	8	leave	leave	VERB
cblr-3007	332	9	the	the	DET
cblr-3007	332	10	checkbook	checkbook	NOUN
cblr-3007	332	11	at	at	ADP
cblr-3007	332	12	home	home	NOUN
cblr-3007	332	13	because	because	SCONJ
cblr-3007	332	14	it	it	PRON
cblr-3007	332	15	is	be	AUX
cblr-3007	332	16	safer	safe	ADJ
cblr-3007	332	17	to	to	PART
cblr-3007	332	18	carry	carry	VERB
cblr-3007	332	19	a	a	DET
cblr-3007	332	20	credit	credit	NOUN
cblr-3007	332	21	or	or	CCONJ
cblr-3007	332	22	debit	debit	NOUN
cblr-3007	332	23	card	card	NOUN
cblr-3007	332	24	.	.	PUNCT
cblr-3007	333	1	this	this	DET
cblr-3007	333	2	analysis	analysis	NOUN
cblr-3007	333	3	suggests	suggest	VERB
cblr-3007	333	4	that	that	SCONJ
cblr-3007	333	5	debit	debit	VERB
cblr-3007	333	6	cards	card	NOUN
cblr-3007	333	7	,	,	PUNCT
cblr-3007	333	8	due	due	ADP
cblr-3007	333	9	to	to	ADP
cblr-3007	333	10	their	their	PRON
cblr-3007	333	11	inherent	inherent	ADJ
cblr-3007	333	12	safety	safety	NOUN
cblr-3007	333	13	value	value	NOUN
cblr-3007	333	14	,	,	PUNCT
cblr-3007	333	15	have	have	VERB
cblr-3007	333	16	an	an	DET
cblr-3007	333	17	even	even	ADV
cblr-3007	333	18	greater	great	ADJ
cblr-3007	333	19	transactional	transactional	ADJ
cblr-3007	333	20	advantage	advantage	NOUN
cblr-3007	333	21	than	than	SCONJ
cblr-3007	333	22	the	the	DET
cblr-3007	333	23	overall	overall	ADJ
cblr-3007	333	24	numbers	number	NOUN
cblr-3007	333	25	suggest	suggest	VERB
cblr-3007	333	26	and	and	CCONJ
cblr-3007	333	27	may	may	AUX
cblr-3007	333	28	explain	explain	VERB
cblr-3007	333	29	why	why	SCONJ
cblr-3007	333	30	their	their	PRON
cblr-3007	333	31	use	use	NOUN
cblr-3007	333	32	has	have	AUX
cblr-3007	333	33	increased	increase	VERB
cblr-3007	333	34	so	so	ADV
cblr-3007	333	35	rapidly	rapidly	ADV
cblr-3007	333	36	.	.	PUNCT
cblr-3007	334	1	moreover	moreover	ADV
cblr-3007	334	2	,	,	PUNCT
cblr-3007	334	3	future	future	ADJ
cblr-3007	334	4	developments	development	NOUN
cblr-3007	334	5	will	will	AUX
cblr-3007	334	6	continue	continue	VERB
cblr-3007	334	7	to	to	PART
cblr-3007	334	8	influence	influence	VERB
cblr-3007	334	9	the	the	DET
cblr-3007	334	10	mix	mix	NOUN
cblr-3007	334	11	of	of	ADP
cblr-3007	334	12	payment	payment	NOUN
cblr-3007	334	13	instruments	instrument	NOUN
cblr-3007	334	14	for	for	ADP
cblr-3007	334	15	debit	debit	NOUN
cblr-3007	334	16	transactions	transaction	NOUN
cblr-3007	334	17	.	.	PUNCT
cblr-3007	335	1	one	one	NUM
cblr-3007	335	2	issue	issue	NOUN
cblr-3007	335	3	worth	worth	ADJ
cblr-3007	335	4	examining	examine	VERB
cblr-3007	335	5	is	be	AUX
cblr-3007	335	6	how	how	SCONJ
cblr-3007	335	7	the	the	DET
cblr-3007	335	8	use	use	NOUN
cblr-3007	335	9	of	of	ADP
cblr-3007	335	10	online	online	ADJ
cblr-3007	335	11	bill	bill	NOUN
cblr-3007	335	12	payment	payment	NOUN
cblr-3007	335	13	fits	fit	VERB
cblr-3007	335	14	into	into	ADP
cblr-3007	335	15	the	the	DET
cblr-3007	335	16	overall	overall	ADJ
cblr-3007	335	17	scheme	scheme	NOUN
cblr-3007	335	18	of	of	ADP
cblr-3007	335	19	payments.27	payments.27	PROPN
cblr-3007	335	20	while	while	SCONJ
cblr-3007	335	21	these	these	DET
cblr-3007	335	22	online	online	ADJ
cblr-3007	335	23	transactions	transaction	NOUN
cblr-3007	335	24	do	do	AUX
cblr-3007	335	25	not	not	PART
cblr-3007	335	26	count	count	VERB
cblr-3007	335	27	as	as	ADP
cblr-3007	335	28	credit	credit	NOUN
cblr-3007	335	29	payments	payment	NOUN
cblr-3007	335	30	,	,	PUNCT
cblr-3007	335	31	they	they	PRON
cblr-3007	335	32	do	do	AUX
cblr-3007	335	33	transfer	transfer	VERB
cblr-3007	335	34	some	some	DET
cblr-3007	335	35	portion	portion	NOUN
cblr-3007	335	36	of	of	ADP
cblr-3007	335	37	the	the	DET
cblr-3007	335	38	payment	payment	NOUN
cblr-3007	335	39	volume	volume	NOUN
cblr-3007	335	40	from	from	ADP
cblr-3007	335	41	checks	check	NOUN
cblr-3007	335	42	into	into	ADP
cblr-3007	335	43	electronic	electronic	ADJ
cblr-3007	335	44	exchanges	exchange	NOUN
cblr-3007	335	45	,	,	PUNCT
cblr-3007	335	46	since	since	SCONJ
cblr-3007	335	47	the	the	DET
cblr-3007	335	48	same	same	ADJ
cblr-3007	335	49	banks	bank	NOUN
cblr-3007	335	50	that	that	PRON
cblr-3007	335	51	run	run	VERB
cblr-3007	335	52	the	the	DET
cblr-3007	335	53	credit	credit	NOUN
cblr-3007	335	54	systems	system	NOUN
cblr-3007	335	55	support	support	VERB
cblr-3007	335	56	the	the	DET
cblr-3007	335	57	applicable	applicable	ADJ
cblr-3007	335	58	networks	network	NOUN
cblr-3007	335	59	.	.	PUNCT
cblr-3007	336	1	the	the	DET
cblr-3007	336	2	benefits	benefit	NOUN
cblr-3007	336	3	of	of	ADP
cblr-3007	336	4	online	online	ADJ
cblr-3007	336	5	payments	payment	NOUN
cblr-3007	336	6	are	be	AUX
cblr-3007	336	7	manifest	manifest	ADJ
cblr-3007	336	8	:	:	PUNCT
cblr-3007	336	9	time	time	NOUN
cblr-3007	336	10	savings	saving	NOUN
cblr-3007	336	11	,	,	PUNCT
cblr-3007	336	12	instantaneous	instantaneous	ADJ
cblr-3007	336	13	financial	financial	ADJ
cblr-3007	336	14	position	position	NOUN
cblr-3007	336	15	reporting	reporting	NOUN
cblr-3007	336	16	,	,	PUNCT
cblr-3007	336	17	and	and	CCONJ
cblr-3007	336	18	other	other	ADJ
cblr-3007	336	19	such	such	ADJ
cblr-3007	336	20	personal	personal	ADJ
cblr-3007	336	21	and	and	CCONJ
cblr-3007	336	22	financial	financial	ADJ
cblr-3007	336	23	benefits	benefit	NOUN
cblr-3007	336	24	.	.	PUNCT
cblr-3007	337	1	one	one	NUM
cblr-3007	337	2	important	important	ADJ
cblr-3007	337	3	advantage	advantage	NOUN
cblr-3007	337	4	of	of	ADP
cblr-3007	337	5	this	this	DET
cblr-3007	337	6	ongoing	ongoing	ADJ
cblr-3007	337	7	development	development	NOUN
cblr-3007	337	8	is	be	AUX
cblr-3007	337	9	that	that	SCONJ
cblr-3007	337	10	it	it	PRON
cblr-3007	337	11	allows	allow	VERB
cblr-3007	337	12	individuals	individual	NOUN
cblr-3007	337	13	to	to	PART
cblr-3007	337	14	better	well	ADV
cblr-3007	337	15	manage	manage	VERB
cblr-3007	337	16	their	their	PRON
cblr-3007	337	17	credit	credit	NOUN
cblr-3007	337	18	card	card	NOUN
cblr-3007	337	19	balances	balance	NOUN
cblr-3007	337	20	and	and	CCONJ
cblr-3007	337	21	,	,	PUNCT
cblr-3007	337	22	as	as	ADP
cblr-3007	337	23	a	a	DET
cblr-3007	337	24	result	result	NOUN
cblr-3007	337	25	,	,	PUNCT
cblr-3007	337	26	to	to	PART
cblr-3007	337	27	control	control	VERB
cblr-3007	337	28	their	their	PRON
cblr-3007	337	29	interest	interest	NOUN
cblr-3007	337	30	rates	rate	NOUN
cblr-3007	337	31	.	.	PUNCT
cblr-3007	338	1	even	even	ADV
cblr-3007	338	2	if	if	SCONJ
cblr-3007	338	3	banks	bank	NOUN
cblr-3007	338	4	had	have	AUX
cblr-3007	338	5	preferred	prefer	VERB
cblr-3007	338	6	the	the	DET
cblr-3007	338	7	older	old	ADJ
cblr-3007	338	8	systems	system	NOUN
cblr-3007	338	9	of	of	ADP
cblr-3007	338	10	payment	payment	NOUN
cblr-3007	338	11	,	,	PUNCT
cblr-3007	338	12	competition	competition	NOUN
cblr-3007	338	13	would	would	AUX
cblr-3007	338	14	nonetheless	nonetheless	ADV
cblr-3007	338	15	have	have	AUX
cblr-3007	338	16	brought	bring	VERB
cblr-3007	338	17	about	about	ADP
cblr-3007	338	18	a	a	DET
cblr-3007	338	19	shift	shift	NOUN
cblr-3007	338	20	towards	towards	ADP
cblr-3007	338	21	online	online	ADJ
cblr-3007	338	22	payment	payment	NOUN
cblr-3007	338	23	because	because	SCONJ
cblr-3007	338	24	of	of	ADP
cblr-3007	338	25	these	these	DET
cblr-3007	338	26	kinds	kind	NOUN
cblr-3007	338	27	of	of	ADP
cblr-3007	338	28	advantages	advantage	NOUN
cblr-3007	338	29	for	for	ADP
cblr-3007	338	30	the	the	DET
cblr-3007	338	31	consumer	consumer	NOUN
cblr-3007	338	32	.	.	PUNCT
cblr-3007	339	1	and	and	CCONJ
cblr-3007	339	2	,	,	PUNCT
cblr-3007	339	3	in	in	ADP
cblr-3007	339	4	fact	fact	NOUN
cblr-3007	339	5	,	,	PUNCT
cblr-3007	339	6	most	most	ADJ
cblr-3007	339	7	banks	bank	NOUN
cblr-3007	339	8	also	also	ADV
cblr-3007	339	9	prefer	prefer	VERB
cblr-3007	339	10	online	online	ADJ
cblr-3007	339	11	banking	banking	NOUN
cblr-3007	339	12	transactions	transaction	NOUN
cblr-3007	339	13	because	because	SCONJ
cblr-3007	339	14	of	of	ADP
cblr-3007	339	15	their	their	PRON
cblr-3007	339	16	own	own	ADJ
cblr-3007	339	17	cost	cost	NOUN
cblr-3007	339	18	savings	saving	NOUN
cblr-3007	339	19	.	.	PUNCT
cblr-3007	340	1	furthermore	furthermore	ADV
cblr-3007	340	2	,	,	PUNCT
cblr-3007	340	3	the	the	DET
cblr-3007	340	4	whole	whole	ADJ
cblr-3007	340	5	system	system	NOUN
cblr-3007	340	6	contains	contain	VERB
cblr-3007	340	7	within	within	ADP
cblr-3007	340	8	it	it	PRON
cblr-3007	340	9	no	no	DET
cblr-3007	340	10	element	element	NOUN
cblr-3007	340	11	of	of	ADP
cblr-3007	340	12	government	government	NOUN
cblr-3007	340	13	subsidy	subsidy	NOUN
cblr-3007	340	14	because	because	SCONJ
cblr-3007	340	15	it	it	PRON
cblr-3007	340	16	more	more	ADV
cblr-3007	340	17	closely	closely	ADV
cblr-3007	340	18	resembles	resemble	VERB
cblr-3007	340	19	a	a	DET
cblr-3007	340	20	private	private	ADJ
cblr-3007	340	21	form	form	NOUN
cblr-3007	340	22	of	of	ADP
cblr-3007	340	23	money	money	NOUN
cblr-3007	340	24	,	,	PUNCT
cblr-3007	340	25	albeit	albeit	SCONJ
cblr-3007	340	26	one	one	NUM
cblr-3007	340	27	parasitic	parasitic	ADJ
cblr-3007	340	28	on	on	ADP
cblr-3007	340	29	the	the	DET
cblr-3007	340	30	general	general	ADJ
cblr-3007	340	31	currency	currency	NOUN
cblr-3007	340	32	.	.	PUNCT
cblr-3007	341	1	it	it	PRON
cblr-3007	341	2	is	be	AUX
cblr-3007	341	3	thus	thus	ADV
cblr-3007	341	4	clear	clear	ADJ
cblr-3007	341	5	that	that	SCONJ
cblr-3007	341	6	checks	check	NOUN
cblr-3007	341	7	,	,	PUNCT
cblr-3007	341	8	once	once	ADV
cblr-3007	341	9	considered	consider	VERB
cblr-3007	341	10	universal	universal	ADJ
cblr-3007	341	11	payment	payment	NOUN
cblr-3007	341	12	options	option	NOUN
cblr-3007	341	13	,	,	PUNCT
cblr-3007	341	14	are	be	AUX
cblr-3007	341	15	becoming	become	VERB
cblr-3007	341	16	obsolete	obsolete	ADJ
cblr-3007	341	17	.	.	PUNCT
cblr-3007	342	1	why	why	SCONJ
cblr-3007	342	2	perpetuate	perpetuate	VERB
cblr-3007	342	3	such	such	ADJ
cblr-3007	342	4	obsolete	obsolete	ADJ
cblr-3007	342	5	systems	system	NOUN
cblr-3007	342	6	?	?	PUNCT
cblr-3007	343	1	27	27	NUM
cblr-3007	343	2	terry	terry	NOUN
cblr-3007	343	3	savage	savage	NOUN
cblr-3007	343	4	,	,	PUNCT
cblr-3007	343	5	why	why	SCONJ
cblr-3007	343	6	online	online	ADJ
cblr-3007	343	7	bill	bill	NOUN
cblr-3007	343	8	payment	payment	NOUN
cblr-3007	343	9	is	be	AUX
cblr-3007	343	10	booming	booming	ADJ
cblr-3007	343	11	,	,	PUNCT
cblr-3007	343	12	msn.com	msn.com	X
cblr-3007	343	13	(	(	PUNCT
cblr-3007	343	14	2005	2005	NUM
cblr-3007	343	15	)	)	PUNCT
cblr-3007	343	16	,	,	PUNCT
cblr-3007	343	17	http://moneycentral.msn.com/contentlbanking/betterbankingfp38218.asp	http://moneycentral.msn.com/contentlbanking/betterbankingfp38218.asp	PROPN
cblr-3007	343	18	(	(	PUNCT
cblr-3007	343	19	anticipating	anticipate	VERB
cblr-3007	343	20	that	that	SCONJ
cblr-3007	343	21	this	this	DET
cblr-3007	343	22	year	year	NOUN
cblr-3007	343	23	forty	forty	NUM
cblr-3007	343	24	million	million	NUM
cblr-3007	343	25	americans	americans	PROPN
cblr-3007	343	26	will	will	AUX
cblr-3007	343	27	pay	pay	VERB
cblr-3007	343	28	bills	bill	NOUN
cblr-3007	343	29	online	online	ADV
cblr-3007	343	30	to	to	PART
cblr-3007	343	31	avoid	avoid	VERB
cblr-3007	343	32	the	the	DET
cblr-3007	343	33	inconvenience	inconvenience	NOUN
cblr-3007	343	34	and	and	CCONJ
cblr-3007	343	35	cost	cost	NOUN
cblr-3007	343	36	of	of	ADP
cblr-3007	343	37	writing	write	VERB
cblr-3007	343	38	checks	check	NOUN
cblr-3007	343	39	)	)	PUNCT
cblr-3007	343	40	.	.	PUNCT
cblr-3007	344	1	no	no	INTJ
cblr-3007	344	2	.	.	PUNCT
cblr-3007	345	1	3:55	3:55	NUM
cblr-3007	345	2	1	1	NUM
cblr-3007	345	3	]	]	PUNCT
cblr-3007	345	4	aside	aside	ADV
cblr-3007	345	5	from	from	ADP
cblr-3007	345	6	efficiency	efficiency	NOUN
cblr-3007	345	7	and	and	CCONJ
cblr-3007	345	8	theft	theft	NOUN
cblr-3007	345	9	concerns	concern	NOUN
cblr-3007	345	10	,	,	PUNCT
cblr-3007	345	11	another	another	DET
cblr-3007	345	12	important	important	ADJ
cblr-3007	345	13	issue	issue	NOUN
cblr-3007	345	14	relates	relate	VERB
cblr-3007	345	15	to	to	ADP
cblr-3007	345	16	the	the	DET
cblr-3007	345	17	number	number	NOUN
cblr-3007	345	18	of	of	ADP
cblr-3007	345	19	subsidies	subsidy	NOUN
cblr-3007	345	20	that	that	PRON
cblr-3007	345	21	are	be	AUX
cblr-3007	345	22	involved	involve	VERB
cblr-3007	345	23	in	in	ADP
cblr-3007	345	24	the	the	DET
cblr-3007	345	25	respective	respective	ADJ
cblr-3007	345	26	payment	payment	NOUN
cblr-3007	345	27	systems	system	NOUN
cblr-3007	345	28	.	.	PUNCT
cblr-3007	346	1	the	the	DET
cblr-3007	346	2	entire	entire	ADJ
cblr-3007	346	3	clearance	clearance	NOUN
cblr-3007	346	4	system	system	NOUN
cblr-3007	346	5	for	for	ADP
cblr-3007	346	6	credit	credit	NOUN
cblr-3007	346	7	cards	card	NOUN
cblr-3007	346	8	is	be	AUX
cblr-3007	346	9	privately	privately	ADV
cblr-3007	346	10	financed	finance	VERB
cblr-3007	346	11	;	;	PUNCT
cblr-3007	346	12	it	it	PRON
cblr-3007	346	13	is	be	AUX
cblr-3007	346	14	as	as	SCONJ
cblr-3007	346	15	though	though	SCONJ
cblr-3007	346	16	the	the	DET
cblr-3007	346	17	dream	dream	NOUN
cblr-3007	346	18	of	of	ADP
cblr-3007	346	19	a	a	DET
cblr-3007	346	20	private	private	ADJ
cblr-3007	346	21	money	money	NOUN
cblr-3007	346	22	system	system	NOUN
cblr-3007	346	23	has	have	AUX
cblr-3007	346	24	been	be	AUX
cblr-3007	346	25	realized	realize	VERB
cblr-3007	346	26	by	by	ADP
cblr-3007	346	27	indirection	indirection	NOUN
cblr-3007	346	28	.	.	PUNCT
cblr-3007	347	1	the	the	DET
cblr-3007	347	2	same	same	ADJ
cblr-3007	347	3	can	can	AUX
cblr-3007	347	4	not	not	PART
cblr-3007	347	5	be	be	AUX
cblr-3007	347	6	said	say	VERB
cblr-3007	347	7	for	for	ADP
cblr-3007	347	8	either	either	CCONJ
cblr-3007	347	9	the	the	DET
cblr-3007	347	10	cash	cash	NOUN
cblr-3007	347	11	or	or	CCONJ
cblr-3007	347	12	the	the	DET
cblr-3007	347	13	check	check	NOUN
cblr-3007	347	14	system	system	NOUN
cblr-3007	347	15	,	,	PUNCT
cblr-3007	347	16	both	both	PRON
cblr-3007	347	17	of	of	ADP
cblr-3007	347	18	which	which	PRON
cblr-3007	347	19	receive	receive	VERB
cblr-3007	347	20	extensive	extensive	ADJ
cblr-3007	347	21	government	government	NOUN
cblr-3007	347	22	subsidies	subsidy	NOUN
cblr-3007	347	23	.	.	PUNCT
cblr-3007	347	24	"	"	PUNCT
cblr-3007	348	1	the	the	DET
cblr-3007	348	2	national	national	PROPN
cblr-3007	348	3	treasury	treasury	PROPN
cblr-3007	348	4	bears	bear	VERB
cblr-3007	348	5	the	the	DET
cblr-3007	348	6	cost	cost	NOUN
cblr-3007	348	7	of	of	ADP
cblr-3007	348	8	printing	printing	NOUN
cblr-3007	348	9	,	,	PUNCT
cblr-3007	348	10	distributing	distributing	NOUN
cblr-3007	348	11	,	,	PUNCT
cblr-3007	348	12	and	and	CCONJ
cblr-3007	348	13	protecting	protect	VERB
cblr-3007	348	14	currency	currency	NOUN
cblr-3007	348	15	.	.	PUNCT
cblr-3007	349	1	the	the	DET
cblr-3007	349	2	entire	entire	ADJ
cblr-3007	349	3	system	system	NOUN
cblr-3007	349	4	of	of	ADP
cblr-3007	349	5	check	check	NOUN
cblr-3007	349	6	exchanges	exchange	NOUN
cblr-3007	349	7	relies	rely	VERB
cblr-3007	349	8	upon	upon	SCONJ
cblr-3007	349	9	the	the	DET
cblr-3007	349	10	operation	operation	NOUN
cblr-3007	349	11	of	of	ADP
cblr-3007	349	12	the	the	DET
cblr-3007	349	13	various	various	ADJ
cblr-3007	349	14	federal	federal	ADJ
cblr-3007	349	15	banks	bank	NOUN
cblr-3007	349	16	.	.	PUNCT
cblr-3007	350	1	hence	hence	ADV
cblr-3007	350	2	,	,	PUNCT
cblr-3007	350	3	one	one	NUM
cblr-3007	350	4	way	way	NOUN
cblr-3007	350	5	to	to	PART
cblr-3007	350	6	look	look	VERB
cblr-3007	350	7	at	at	ADP
cblr-3007	350	8	the	the	DET
cblr-3007	350	9	rba	rba	NOUN
cblr-3007	350	10	initiative	initiative	NOUN
cblr-3007	350	11	on	on	ADP
cblr-3007	350	12	its	its	PRON
cblr-3007	350	13	own	own	ADJ
cblr-3007	350	14	terms	term	NOUN
cblr-3007	350	15	is	be	AUX
cblr-3007	350	16	to	to	PART
cblr-3007	350	17	see	see	VERB
cblr-3007	350	18	that	that	SCONJ
cblr-3007	350	19	it	it	PRON
cblr-3007	350	20	substitutes	substitute	VERB
cblr-3007	350	21	one	one	NUM
cblr-3007	350	22	implicit	implicit	ADJ
cblr-3007	350	23	cross	cross	NOUN
cblr-3007	350	24	-	-	ADJ
cblr-3007	350	25	subsidy	subsidy	ADJ
cblr-3007	350	26	(	(	PUNCT
cblr-3007	350	27	for	for	ADP
cblr-3007	350	28	cash	cash	NOUN
cblr-3007	350	29	and	and	CCONJ
cblr-3007	350	30	check	check	VERB
cblr-3007	350	31	users	user	NOUN
cblr-3007	350	32	)	)	PUNCT
cblr-3007	350	33	for	for	ADP
cblr-3007	350	34	one	one	NUM
cblr-3007	350	35	explicit	explicit	ADJ
cblr-3007	350	36	cross	cross	NOUN
cblr-3007	350	37	-	-	ADJ
cblr-3007	350	38	subsidy	subsidy	ADJ
cblr-3007	350	39	(	(	PUNCT
cblr-3007	350	40	for	for	ADP
cblr-3007	350	41	credit	credit	NOUN
cblr-3007	350	42	card	card	NOUN
cblr-3007	350	43	users	user	NOUN
cblr-3007	350	44	)	)	PUNCT
cblr-3007	350	45	.	.	PUNCT
cblr-3007	351	1	the	the	DET
cblr-3007	351	2	net	net	ADJ
cblr-3007	351	3	resource	resource	NOUN
cblr-3007	351	4	implications	implication	NOUN
cblr-3007	351	5	of	of	ADP
cblr-3007	351	6	such	such	ADJ
cblr-3007	351	7	subsidies	subsidy	NOUN
cblr-3007	351	8	are	be	AUX
cblr-3007	351	9	not	not	PART
cblr-3007	351	10	clear	clear	ADJ
cblr-3007	351	11	.	.	PUNCT
cblr-3007	352	1	how	how	SCONJ
cblr-3007	352	2	is	be	AUX
cblr-3007	352	3	the	the	DET
cblr-3007	352	4	state	state	NOUN
cblr-3007	352	5	subsidy	subsidy	NOUN
cblr-3007	352	6	,	,	PUNCT
cblr-3007	352	7	which	which	PRON
cblr-3007	352	8	falls	fall	VERB
cblr-3007	352	9	on	on	ADP
cblr-3007	352	10	all	all	DET
cblr-3007	352	11	persons	person	NOUN
cblr-3007	352	12	alike	alike	ADV
cblr-3007	352	13	,	,	PUNCT
cblr-3007	352	14	better	well	ADJ
cblr-3007	352	15	or	or	CCONJ
cblr-3007	352	16	worse	bad	ADJ
cblr-3007	352	17	than	than	ADP
cblr-3007	352	18	a	a	DET
cblr-3007	352	19	cross	cross	NOUN
cblr-3007	352	20	-	-	NOUN
cblr-3007	352	21	subsidy	subsidy	NOUN
cblr-3007	352	22	that	that	PRON
cblr-3007	352	23	applies	apply	VERB
cblr-3007	352	24	within	within	ADP
cblr-3007	352	25	an	an	DET
cblr-3007	352	26	elaborate	elaborate	ADJ
cblr-3007	352	27	industry	industry	NOUN
cblr-3007	352	28	network	network	NOUN
cblr-3007	352	29	of	of	ADP
cblr-3007	352	30	consenting	consent	VERB
cblr-3007	352	31	participants	participant	NOUN
cblr-3007	352	32	?	?	PUNCT
cblr-3007	353	1	it	it	PRON
cblr-3007	353	2	is	be	AUX
cblr-3007	353	3	far	far	ADV
cblr-3007	353	4	from	from	ADP
cblr-3007	353	5	clear	clear	ADJ
cblr-3007	353	6	whether	whether	SCONJ
cblr-3007	353	7	the	the	DET
cblr-3007	353	8	rba	rba	NOUN
cblr-3007	353	9	's	's	PART
cblr-3007	353	10	dismal	dismal	ADJ
cblr-3007	353	11	view	view	NOUN
cblr-3007	353	12	on	on	ADP
cblr-3007	353	13	credit	credit	NOUN
cblr-3007	353	14	cards	card	NOUN
cblr-3007	353	15	is	be	AUX
cblr-3007	353	16	an	an	DET
cblr-3007	353	17	accurate	accurate	ADJ
cblr-3007	353	18	one	one	NUM
cblr-3007	353	19	.	.	PUNCT
cblr-3007	354	1	the	the	DET
cblr-3007	354	2	final	final	ADJ
cblr-3007	354	3	issue	issue	NOUN
cblr-3007	354	4	relates	relate	VERB
cblr-3007	354	5	to	to	ADP
cblr-3007	354	6	the	the	DET
cblr-3007	354	7	utility	utility	NOUN
cblr-3007	354	8	of	of	ADP
cblr-3007	354	9	cash	cash	NOUN
cblr-3007	354	10	and	and	CCONJ
cblr-3007	354	11	checks	check	NOUN
cblr-3007	354	12	.	.	PUNCT
cblr-3007	355	1	cash	cash	NOUN
cblr-3007	355	2	represents	represent	VERB
cblr-3007	355	3	a	a	DET
cblr-3007	355	4	national	national	ADJ
cblr-3007	355	5	currency	currency	NOUN
cblr-3007	355	6	,	,	PUNCT
cblr-3007	355	7	and	and	CCONJ
cblr-3007	355	8	persons	person	NOUN
cblr-3007	355	9	who	who	PRON
cblr-3007	355	10	travel	travel	VERB
cblr-3007	355	11	overseas	overseas	ADJ
cblr-3007	355	12	incur	incur	NOUN
cblr-3007	355	13	significant	significant	ADJ
cblr-3007	355	14	conversion	conversion	NOUN
cblr-3007	355	15	costs	cost	NOUN
cblr-3007	355	16	that	that	PRON
cblr-3007	355	17	can	can	AUX
cblr-3007	355	18	easily	easily	ADV
cblr-3007	355	19	consume	consume	VERB
cblr-3007	355	20	one	one	NUM
cblr-3007	355	21	to	to	PART
cblr-3007	355	22	two	two	NUM
cblr-3007	355	23	percent	percent	NOUN
cblr-3007	355	24	of	of	ADP
cblr-3007	355	25	the	the	DET
cblr-3007	355	26	money	money	NOUN
cblr-3007	355	27	's	's	PART
cblr-3007	355	28	overall	overall	ADJ
cblr-3007	355	29	value	value	NOUN
cblr-3007	355	30	.	.	PUNCT
cblr-3007	356	1	checks	check	NOUN
cblr-3007	356	2	,	,	PUNCT
cblr-3007	356	3	for	for	ADP
cblr-3007	356	4	their	their	PRON
cblr-3007	356	5	part	part	NOUN
cblr-3007	356	6	,	,	PUNCT
cblr-3007	356	7	have	have	VERB
cblr-3007	356	8	an	an	DET
cblr-3007	356	9	even	even	ADV
cblr-3007	356	10	narrower	narrow	ADJ
cblr-3007	356	11	scope	scope	NOUN
cblr-3007	356	12	of	of	ADP
cblr-3007	356	13	use	use	NOUN
cblr-3007	356	14	.	.	PUNCT
cblr-3007	357	1	they	they	PRON
cblr-3007	357	2	are	be	AUX
cblr-3007	357	3	of	of	ADP
cblr-3007	357	4	little	little	ADJ
cblr-3007	357	5	use	use	NOUN
cblr-3007	357	6	in	in	ADP
cblr-3007	357	7	foreign	foreign	ADJ
cblr-3007	357	8	countries	country	NOUN
cblr-3007	357	9	and	and	CCONJ
cblr-3007	357	10	,	,	PUNCT
cblr-3007	357	11	even	even	ADV
cblr-3007	357	12	within	within	ADP
cblr-3007	357	13	the	the	DET
cblr-3007	357	14	united	united	PROPN
cblr-3007	357	15	states	states	PROPN
cblr-3007	357	16	,	,	PUNCT
cblr-3007	357	17	have	have	VERB
cblr-3007	357	18	limited	limit	VERB
cblr-3007	357	19	value	value	NOUN
cblr-3007	357	20	outside	outside	ADP
cblr-3007	357	21	of	of	ADP
cblr-3007	357	22	the	the	DET
cblr-3007	357	23	community	community	NOUN
cblr-3007	357	24	served	serve	VERB
cblr-3007	357	25	by	by	ADP
cblr-3007	357	26	the	the	DET
cblr-3007	357	27	issuing	issue	VERB
cblr-3007	357	28	bank	bank	NOUN
cblr-3007	357	29	.	.	PUNCT
cblr-3007	358	1	it	it	PRON
cblr-3007	358	2	is	be	AUX
cblr-3007	358	3	harder	hard	ADJ
cblr-3007	358	4	to	to	PART
cblr-3007	358	5	run	run	VERB
cblr-3007	358	6	a	a	DET
cblr-3007	358	7	credit	credit	NOUN
cblr-3007	358	8	check	check	NOUN
cblr-3007	358	9	on	on	ADP
cblr-3007	358	10	a	a	DET
cblr-3007	358	11	checking	check	VERB
cblr-3007	358	12	account	account	NOUN
cblr-3007	358	13	than	than	ADP
cblr-3007	358	14	on	on	ADP
cblr-3007	358	15	a	a	DET
cblr-3007	358	16	credit	credit	NOUN
cblr-3007	358	17	card	card	NOUN
cblr-3007	358	18	,	,	PUNCT
cblr-3007	358	19	and	and	CCONJ
cblr-3007	358	20	people	people	NOUN
cblr-3007	358	21	do	do	AUX
cblr-3007	358	22	not	not	PART
cblr-3007	358	23	want	want	VERB
cblr-3007	358	24	to	to	PART
cblr-3007	358	25	suffer	suffer	VERB
cblr-3007	358	26	the	the	DET
cblr-3007	358	27	costs	cost	NOUN
cblr-3007	358	28	associated	associate	VERB
cblr-3007	358	29	with	with	ADP
cblr-3007	358	30	bad	bad	ADJ
cblr-3007	358	31	checks	check	NOUN
cblr-3007	358	32	.	.	PUNCT
cblr-3007	359	1	credit	credit	NOUN
cblr-3007	359	2	and	and	CCONJ
cblr-3007	359	3	debit	debit	NOUN
cblr-3007	359	4	cards	card	NOUN
cblr-3007	359	5	are	be	AUX
cblr-3007	359	6	both	both	PRON
cblr-3007	359	7	immune	immune	ADJ
cblr-3007	359	8	from	from	ADP
cblr-3007	359	9	these	these	DET
cblr-3007	359	10	relative	relative	ADJ
cblr-3007	359	11	disadvantages	disadvantage	NOUN
cblr-3007	359	12	.	.	PUNCT
cblr-3007	360	1	given	give	VERB
cblr-3007	360	2	all	all	PRON
cblr-3007	360	3	of	of	ADP
cblr-3007	360	4	the	the	DET
cblr-3007	360	5	concerns	concern	NOUN
cblr-3007	360	6	associated	associate	VERB
cblr-3007	360	7	with	with	ADP
cblr-3007	360	8	the	the	DET
cblr-3007	360	9	use	use	NOUN
cblr-3007	360	10	of	of	ADP
cblr-3007	360	11	cash	cash	NOUN
cblr-3007	360	12	and	and	CCONJ
cblr-3007	360	13	checks	check	NOUN
cblr-3007	360	14	,	,	PUNCT
cblr-3007	360	15	we	we	PRON
cblr-3007	360	16	should	should	AUX
cblr-3007	360	17	expect	expect	VERB
cblr-3007	360	18	that	that	SCONJ
cblr-3007	360	19	,	,	PUNCT
cblr-3007	360	20	as	as	SCONJ
cblr-3007	360	21	2	2	NUM
cblr-3007	360	22	i	i	PRON
cblr-3007	360	23	have	have	AUX
cblr-3007	360	24	not	not	PART
cblr-3007	360	25	been	be	AUX
cblr-3007	360	26	able	able	ADJ
cblr-3007	360	27	to	to	PART
cblr-3007	360	28	find	find	VERB
cblr-3007	360	29	exact	exact	ADJ
cblr-3007	360	30	estimates	estimate	NOUN
cblr-3007	360	31	of	of	ADP
cblr-3007	360	32	the	the	DET
cblr-3007	360	33	cost	cost	NOUN
cblr-3007	360	34	of	of	ADP
cblr-3007	360	35	these	these	DET
cblr-3007	360	36	subsidies	subsidy	NOUN
cblr-3007	360	37	,	,	PUNCT
cblr-3007	360	38	but	but	CCONJ
cblr-3007	360	39	the	the	DET
cblr-3007	360	40	number	number	NOUN
cblr-3007	360	41	is	be	AUX
cblr-3007	360	42	commonly	commonly	ADV
cblr-3007	360	43	stated	state	VERB
cblr-3007	360	44	to	to	PART
cblr-3007	360	45	be	be	AUX
cblr-3007	360	46	in	in	ADP
cblr-3007	360	47	the	the	DET
cblr-3007	360	48	billions	billion	NOUN
cblr-3007	360	49	.	.	PUNCT
cblr-3007	361	1	for	for	ADP
cblr-3007	361	2	one	one	NUM
cblr-3007	361	3	estimate	estimate	NOUN
cblr-3007	361	4	,	,	PUNCT
cblr-3007	361	5	see	see	VERB
cblr-3007	361	6	oc6	oc6	NOUN
cblr-3007	361	7	,	,	PUNCT
cblr-3007	361	8	check	check	VERB
cblr-3007	361	9	clearing	clearing	NOUN
cblr-3007	361	10	for	for	ADP
cblr-3007	361	11	the	the	DET
cblr-3007	361	12	21	21	NUM
cblr-3007	361	13	"	"	PUNCT
cblr-3007	361	14	century	century	NOUN
cblr-3007	361	15	act	act	NOUN
cblr-3007	361	16	:	:	PUNCT
cblr-3007	361	17	printing	printing	NOUN
cblr-3007	361	18	implications	implication	NOUN
cblr-3007	361	19	for	for	ADP
cblr-3007	361	20	financial	financial	ADJ
cblr-3007	361	21	institutions	institution	NOUN
cblr-3007	361	22	and	and	CCONJ
cblr-3007	361	23	service	service	NOUN
cblr-3007	361	24	bureaus	bureaus	NOUN
cblr-3007	361	25	4	4	NUM
cblr-3007	361	26	(	(	PUNCT
cblr-3007	361	27	working	working	NOUN
cblr-3007	361	28	paper	paper	NOUN
cblr-3007	361	29	,	,	PUNCT
cblr-3007	361	30	available	available	ADJ
cblr-3007	361	31	at	at	ADP
cblr-3007	361	32	http://www.ondemandjournal.com/whitepapers/	http://www.ondemandjournal.com/whitepapers/	PROPN
cblr-3007	361	33	check_21.pdf	check_21.pdf	PROPN
cblr-3007	361	34	)	)	PUNCT
cblr-3007	361	35	.	.	PUNCT
cblr-3007	362	1	col	col	PROPN
cblr-3007	362	2	umbia	umbia	PROPN
cblr-3007	362	3	b	b	PROPN
cblr-3007	362	4	usiness	usiness	PROPN
cblr-3007	362	5	la	la	PROPN
cblr-3007	362	6	w	w	PROPN
cblr-3007	362	7	re	re	PROPN
cblr-3007	362	8	vie	vie	PROPN
cblr-3007	362	9	w	w	PROPN
cblr-3007	363	1	[	[	X
cblr-3007	363	2	vol	vol	NOUN
cblr-3007	363	3	.	.	X
cblr-3007	363	4	2005	2005	NUM
cblr-3007	363	5	technology	technology	NOUN
cblr-3007	363	6	continues	continue	VERB
cblr-3007	363	7	to	to	PART
cblr-3007	363	8	improve	improve	VERB
cblr-3007	363	9	over	over	ADP
cblr-3007	363	10	time	time	NOUN
cblr-3007	363	11	,	,	PUNCT
cblr-3007	363	12	the	the	DET
cblr-3007	363	13	use	use	NOUN
cblr-3007	363	14	of	of	ADP
cblr-3007	363	15	both	both	DET
cblr-3007	363	16	credit	credit	NOUN
cblr-3007	363	17	and	and	CCONJ
cblr-3007	363	18	debit	debit	VERB
cblr-3007	363	19	payment	payment	NOUN
cblr-3007	363	20	options	option	NOUN
cblr-3007	363	21	will	will	AUX
cblr-3007	363	22	further	far	ADV
cblr-3007	363	23	increase	increase	VERB
cblr-3007	363	24	relative	relative	ADJ
cblr-3007	363	25	to	to	ADP
cblr-3007	363	26	traditional	traditional	ADJ
cblr-3007	363	27	modes	mode	NOUN
cblr-3007	363	28	of	of	ADP
cblr-3007	363	29	payment	payment	NOUN
cblr-3007	363	30	.	.	PUNCT
cblr-3007	364	1	2	2	X
cblr-3007	364	2	.	.	NUM
cblr-3007	364	3	closed	closed	ADJ
cblr-3007	364	4	-	-	PUNCT
cblr-3007	364	5	system	system	NOUN
cblr-3007	364	6	payments	payment	NOUN
cblr-3007	364	7	the	the	DET
cblr-3007	364	8	substitution	substitution	NOUN
cblr-3007	364	9	from	from	ADP
cblr-3007	364	10	the	the	DET
cblr-3007	364	11	open	open	ADJ
cblr-3007	364	12	systems	system	NOUN
cblr-3007	364	13	,	,	PUNCT
cblr-3007	364	14	visa	visa	NOUN
cblr-3007	364	15	and	and	CCONJ
cblr-3007	364	16	mastercard	mastercard	NOUN
cblr-3007	364	17	,	,	PUNCT
cblr-3007	364	18	to	to	ADP
cblr-3007	364	19	the	the	DET
cblr-3007	364	20	closed	closed	ADJ
cblr-3007	364	21	systems	system	NOUN
cblr-3007	364	22	,	,	PUNCT
cblr-3007	364	23	diners	diner	NOUN
cblr-3007	364	24	club	club	NOUN
cblr-3007	364	25	and	and	CCONJ
cblr-3007	364	26	american	american	PROPN
cblr-3007	364	27	express	express	PROPN
cblr-3007	364	28	,	,	PUNCT
cblr-3007	364	29	is	be	AUX
cblr-3007	364	30	more	more	ADV
cblr-3007	364	31	critical	critical	ADJ
cblr-3007	364	32	to	to	ADP
cblr-3007	364	33	this	this	DET
cblr-3007	364	34	systematic	systematic	ADJ
cblr-3007	364	35	analysis	analysis	NOUN
cblr-3007	364	36	.	.	PUNCT
cblr-3007	365	1	the	the	DET
cblr-3007	365	2	economic	economic	ADJ
cblr-3007	365	3	dislocations	dislocation	NOUN
cblr-3007	365	4	here	here	ADV
cblr-3007	365	5	stem	stem	VERB
cblr-3007	365	6	from	from	ADP
cblr-3007	365	7	the	the	DET
cblr-3007	365	8	truncation	truncation	NOUN
cblr-3007	365	9	and	and	CCONJ
cblr-3007	365	10	inadequate	inadequate	ADJ
cblr-3007	365	11	frame	frame	NOUN
cblr-3007	365	12	of	of	ADP
cblr-3007	365	13	reference	reference	NOUN
cblr-3007	365	14	of	of	ADP
cblr-3007	365	15	the	the	DET
cblr-3007	365	16	rba	rba	NOUN
cblr-3007	365	17	's	's	PART
cblr-3007	365	18	interchange	interchange	NOUN
cblr-3007	365	19	inquiry	inquiry	NOUN
cblr-3007	365	20	.	.	PUNCT
cblr-3007	366	1	interchange	interchange	NOUN
cblr-3007	366	2	fees	fee	NOUN
cblr-3007	366	3	arise	arise	VERB
cblr-3007	366	4	only	only	ADV
cblr-3007	366	5	in	in	ADP
cblr-3007	366	6	a	a	DET
cblr-3007	366	7	credit	credit	NOUN
cblr-3007	366	8	card	card	NOUN
cblr-3007	366	9	network	network	NOUN
cblr-3007	366	10	that	that	PRON
cblr-3007	366	11	utilizes	utilize	VERB
cblr-3007	366	12	both	both	PRON
cblr-3007	366	13	acquiring	acquire	VERB
cblr-3007	366	14	and	and	CCONJ
cblr-3007	366	15	issuing	issue	VERB
cblr-3007	366	16	banks	bank	NOUN
cblr-3007	366	17	.	.	PUNCT
cblr-3007	367	1	in	in	ADP
cblr-3007	367	2	contrast	contrast	NOUN
cblr-3007	367	3	to	to	ADP
cblr-3007	367	4	the	the	DET
cblr-3007	367	5	open	open	ADJ
cblr-3007	367	6	systems	system	NOUN
cblr-3007	367	7	,	,	PUNCT
cblr-3007	367	8	the	the	DET
cblr-3007	367	9	closed	closed	ADJ
cblr-3007	367	10	systems	system	NOUN
cblr-3007	367	11	utilize	utilize	VERB
cblr-3007	367	12	a	a	DET
cblr-3007	367	13	single	single	ADJ
cblr-3007	367	14	company	company	NOUN
cblr-3007	367	15	that	that	PRON
cblr-3007	367	16	serves	serve	VERB
cblr-3007	367	17	as	as	ADP
cblr-3007	367	18	the	the	DET
cblr-3007	367	19	sole	sole	ADJ
cblr-3007	367	20	intermediary	intermediary	NOUN
cblr-3007	367	21	between	between	ADP
cblr-3007	367	22	its	its	PRON
cblr-3007	367	23	customers	customer	NOUN
cblr-3007	367	24	and	and	CCONJ
cblr-3007	367	25	its	its	PRON
cblr-3007	367	26	merchants	merchant	NOUN
cblr-3007	367	27	.	.	PUNCT
cblr-3007	368	1	the	the	DET
cblr-3007	368	2	more	more	ADV
cblr-3007	368	3	compact	compact	ADJ
cblr-3007	368	4	nature	nature	NOUN
cblr-3007	368	5	of	of	ADP
cblr-3007	368	6	a	a	DET
cblr-3007	368	7	closed	closed	ADJ
cblr-3007	368	8	system	system	NOUN
cblr-3007	368	9	's	's	PART
cblr-3007	368	10	business	business	NOUN
cblr-3007	368	11	obviates	obviate	VERB
cblr-3007	368	12	its	its	PRON
cblr-3007	368	13	need	need	NOUN
cblr-3007	368	14	to	to	PART
cblr-3007	368	15	levy	levy	VERB
cblr-3007	368	16	any	any	DET
cblr-3007	368	17	interchange	interchange	NOUN
cblr-3007	368	18	fees	fee	NOUN
cblr-3007	368	19	.	.	PUNCT
cblr-3007	369	1	however	however	ADV
cblr-3007	369	2	,	,	PUNCT
cblr-3007	369	3	such	such	DET
cblr-3007	369	4	a	a	DET
cblr-3007	369	5	system	system	NOUN
cblr-3007	369	6	is	be	AUX
cblr-3007	369	7	not	not	PART
cblr-3007	369	8	free	free	ADJ
cblr-3007	369	9	from	from	ADP
cblr-3007	369	10	the	the	DET
cblr-3007	369	11	underlying	underlie	VERB
cblr-3007	369	12	economic	economic	ADJ
cblr-3007	369	13	issue	issue	NOUN
cblr-3007	369	14	that	that	PRON
cblr-3007	369	15	prompted	prompt	VERB
cblr-3007	369	16	the	the	DET
cblr-3007	369	17	rba	rba	NOUN
cblr-3007	369	18	's	's	PART
cblr-3007	369	19	initial	initial	ADJ
cblr-3007	369	20	effort	effort	NOUN
cblr-3007	369	21	:	:	PUNCT
cblr-3007	369	22	were	be	AUX
cblr-3007	369	23	merchants	merchant	NOUN
cblr-3007	369	24	as	as	ADP
cblr-3007	369	25	a	a	DET
cblr-3007	369	26	group	group	NOUN
cblr-3007	369	27	-	-	PUNCT
cblr-3007	369	28	and	and	CCONJ
cblr-3007	369	29	,	,	PUNCT
cblr-3007	369	30	indirectly	indirectly	ADV
cblr-3007	369	31	,	,	PUNCT
cblr-3007	369	32	their	their	PRON
cblr-3007	369	33	non	non	ADJ
cblr-3007	369	34	-	-	ADJ
cblr-3007	369	35	credit	credit	ADJ
cblr-3007	369	36	card	card	NOUN
cblr-3007	369	37	customers	customer	NOUN
cblr-3007	369	38	-	-	PUNCT
cblr-3007	369	39	being	be	AUX
cblr-3007	369	40	asked	ask	VERB
cblr-3007	369	41	to	to	PART
cblr-3007	369	42	foot	foot	VERB
cblr-3007	369	43	too	too	ADV
cblr-3007	369	44	much	much	ADJ
cblr-3007	369	45	of	of	ADP
cblr-3007	369	46	the	the	DET
cblr-3007	369	47	cost	cost	NOUN
cblr-3007	369	48	of	of	ADP
cblr-3007	369	49	running	run	VERB
cblr-3007	369	50	the	the	DET
cblr-3007	369	51	entire	entire	ADJ
cblr-3007	369	52	credit	credit	NOUN
cblr-3007	369	53	card	card	NOUN
cblr-3007	369	54	system	system	NOUN
cblr-3007	369	55	,	,	PUNCT
cblr-3007	369	56	thereby	thereby	ADV
cblr-3007	369	57	creating	create	VERB
cblr-3007	369	58	an	an	DET
cblr-3007	369	59	implicit	implicit	ADJ
cblr-3007	369	60	subsidy	subsidy	NOUN
cblr-3007	369	61	for	for	ADP
cblr-3007	369	62	credit	credit	NOUN
cblr-3007	369	63	card	card	NOUN
cblr-3007	369	64	users	user	NOUN
cblr-3007	369	65	?	?	PUNCT
cblr-3007	370	1	that	that	DET
cblr-3007	370	2	question	question	NOUN
cblr-3007	370	3	arises	arise	VERB
cblr-3007	370	4	solely	solely	ADV
cblr-3007	370	5	because	because	SCONJ
cblr-3007	370	6	the	the	DET
cblr-3007	370	7	merchant	merchant	NOUN
cblr-3007	370	8	,	,	PUNCT
cblr-3007	370	9	through	through	ADP
cblr-3007	370	10	the	the	DET
cblr-3007	370	11	payment	payment	NOUN
cblr-3007	370	12	system	system	NOUN
cblr-3007	370	13	,	,	PUNCT
cblr-3007	370	14	receives	receive	VERB
cblr-3007	370	15	only	only	ADV
cblr-3007	370	16	a	a	DET
cblr-3007	370	17	portion	portion	NOUN
cblr-3007	370	18	of	of	ADP
cblr-3007	370	19	the	the	DET
cblr-3007	370	20	face	face	NOUN
cblr-3007	370	21	amount	amount	NOUN
cblr-3007	370	22	of	of	ADP
cblr-3007	370	23	the	the	DET
cblr-3007	370	24	credit	credit	NOUN
cblr-3007	370	25	card	card	NOUN
cblr-3007	370	26	charge	charge	NOUN
cblr-3007	370	27	.	.	PUNCT
cblr-3007	371	1	the	the	DET
cblr-3007	371	2	issue	issue	NOUN
cblr-3007	371	3	is	be	AUX
cblr-3007	371	4	actually	actually	ADV
cblr-3007	371	5	more	more	ADV
cblr-3007	371	6	acute	acute	ADJ
cblr-3007	371	7	for	for	ADP
cblr-3007	371	8	merchants	merchant	NOUN
cblr-3007	371	9	(	(	PUNCT
cblr-3007	371	10	and	and	CCONJ
cblr-3007	371	11	their	their	PRON
cblr-3007	371	12	customers	customer	NOUN
cblr-3007	371	13	)	)	PUNCT
cblr-3007	371	14	transacting	transact	VERB
cblr-3007	371	15	with	with	ADP
cblr-3007	371	16	the	the	DET
cblr-3007	371	17	closed	closed	ADJ
cblr-3007	371	18	-	-	PUNCT
cblr-3007	371	19	system	system	NOUN
cblr-3007	371	20	players	player	NOUN
cblr-3007	371	21	,	,	PUNCT
cblr-3007	371	22	who	who	PRON
cblr-3007	371	23	charge	charge	VERB
cblr-3007	371	24	a	a	DET
cblr-3007	371	25	larger	large	ADJ
cblr-3007	371	26	percentage	percentage	NOUN
cblr-3007	371	27	of	of	ADP
cblr-3007	371	28	the	the	DET
cblr-3007	371	29	face	face	NOUN
cblr-3007	371	30	amount	amount	NOUN
cblr-3007	371	31	of	of	ADP
cblr-3007	371	32	the	the	DET
cblr-3007	371	33	transaction	transaction	NOUN
cblr-3007	371	34	than	than	ADP
cblr-3007	371	35	the	the	DET
cblr-3007	371	36	open	open	ADJ
cblr-3007	371	37	-	-	PUNCT
cblr-3007	371	38	system	system	NOUN
cblr-3007	371	39	players	player	NOUN
cblr-3007	371	40	,	,	PUNCT
cblr-3007	371	41	while	while	SCONJ
cblr-3007	371	42	avoiding	avoid	VERB
cblr-3007	371	43	the	the	DET
cblr-3007	371	44	use	use	NOUN
cblr-3007	371	45	of	of	ADP
cblr-3007	371	46	interchange	interchange	NOUN
cblr-3007	371	47	fees	fee	NOUN
cblr-3007	371	48	.	.	PUNCT
cblr-3007	372	1	why	why	SCONJ
cblr-3007	372	2	then	then	ADV
cblr-3007	372	3	limit	limit	VERB
cblr-3007	372	4	the	the	DET
cblr-3007	372	5	inquiry	inquiry	NOUN
cblr-3007	372	6	to	to	PART
cblr-3007	372	7	interchange	interchange	VERB
cblr-3007	372	8	fees	fee	NOUN
cblr-3007	372	9	when	when	SCONJ
cblr-3007	372	10	the	the	DET
cblr-3007	372	11	merchants	merchant	NOUN
cblr-3007	372	12	'	'	PART
cblr-3007	372	13	complaint	complaint	NOUN
cblr-3007	372	14	applies	apply	VERB
cblr-3007	372	15	equally	equally	ADV
cblr-3007	372	16	to	to	ADP
cblr-3007	372	17	both	both	DET
cblr-3007	372	18	forms	form	NOUN
cblr-3007	372	19	of	of	ADP
cblr-3007	372	20	credit	credit	NOUN
cblr-3007	372	21	transactions	transaction	NOUN
cblr-3007	372	22	?	?	PUNCT
cblr-3007	373	1	surely	surely	ADV
cblr-3007	373	2	merchants	merchant	NOUN
cblr-3007	373	3	can	can	AUX
cblr-3007	373	4	not	not	PART
cblr-3007	373	5	object	object	VERB
cblr-3007	373	6	to	to	ADP
cblr-3007	373	7	the	the	DET
cblr-3007	373	8	high	high	ADJ
cblr-3007	373	9	costs	cost	NOUN
cblr-3007	373	10	of	of	ADP
cblr-3007	373	11	their	their	PRON
cblr-3007	373	12	own	own	ADJ
cblr-3007	373	13	store	store	NOUN
cblr-3007	373	14	cards	card	NOUN
cblr-3007	373	15	.	.	PUNCT
cblr-3007	374	1	at	at	ADP
cblr-3007	374	2	this	this	DET
cblr-3007	374	3	point	point	NOUN
cblr-3007	374	4	,	,	PUNCT
cblr-3007	374	5	moreover	moreover	ADV
cblr-3007	374	6	,	,	PUNCT
cblr-3007	374	7	the	the	DET
cblr-3007	374	8	rate	rate	NOUN
cblr-3007	374	9	of	of	ADP
cblr-3007	374	10	substitution	substitution	NOUN
cblr-3007	374	11	between	between	ADP
cblr-3007	374	12	the	the	DET
cblr-3007	374	13	two	two	NUM
cblr-3007	374	14	rival	rival	ADJ
cblr-3007	374	15	card	card	NOUN
cblr-3007	374	16	types	type	NOUN
cblr-3007	374	17	(	(	PUNCT
cblr-3007	374	18	opensystem	opensystem	NOUN
cblr-3007	374	19	and	and	CCONJ
cblr-3007	374	20	closed	closed	ADJ
cblr-3007	374	21	-	-	PUNCT
cblr-3007	374	22	system	system	NOUN
cblr-3007	374	23	)	)	PUNCT
cblr-3007	374	24	should	should	AUX
cblr-3007	374	25	be	be	AUX
cblr-3007	374	26	greater	great	ADJ
cblr-3007	374	27	than	than	ADP
cblr-3007	374	28	that	that	PRON
cblr-3007	374	29	observed	observe	VERB
cblr-3007	374	30	between	between	ADP
cblr-3007	374	31	credit	credit	NOUN
cblr-3007	374	32	cards	card	NOUN
cblr-3007	374	33	and	and	CCONJ
cblr-3007	374	34	any	any	DET
cblr-3007	374	35	debit	debit	NOUN
cblr-3007	374	36	system	system	NOUN
cblr-3007	374	37	.	.	PUNCT
cblr-3007	375	1	if	if	SCONJ
cblr-3007	375	2	these	these	DET
cblr-3007	375	3	credit	credit	NOUN
cblr-3007	375	4	advantages	advantage	NOUN
cblr-3007	375	5	prove	prove	VERB
cblr-3007	375	6	tangible	tangible	ADJ
cblr-3007	375	7	,	,	PUNCT
cblr-3007	375	8	then	then	ADV
cblr-3007	375	9	we	we	PRON
cblr-3007	375	10	would	would	AUX
cblr-3007	375	11	expect	expect	VERB
cblr-3007	375	12	closed	closed	ADJ
cblr-3007	375	13	systems	system	NOUN
cblr-3007	375	14	to	to	PART
cblr-3007	375	15	garner	garner	VERB
cblr-3007	375	16	a	a	DET
cblr-3007	375	17	larger	large	ADJ
cblr-3007	375	18	share	share	NOUN
cblr-3007	375	19	of	of	ADP
cblr-3007	375	20	the	the	DET
cblr-3007	375	21	overall	overall	ADJ
cblr-3007	375	22	market	market	NOUN
cblr-3007	375	23	after	after	ADP
cblr-3007	375	24	the	the	DET
cblr-3007	375	25	cap	cap	NOUN
cblr-3007	375	26	on	on	ADP
cblr-3007	375	27	interchange	interchange	NOUN
cblr-3007	375	28	fees	fee	NOUN
cblr-3007	375	29	than	than	SCONJ
cblr-3007	375	30	they	they	PRON
cblr-3007	375	31	had	have	VERB
cblr-3007	375	32	prior	prior	ADV
cblr-3007	375	33	to	to	ADP
cblr-3007	375	34	the	the	DET
cblr-3007	375	35	the	the	DET
cblr-3007	375	36	regulation	regulation	NOUN
cblr-3007	375	37	of	of	ADP
cblr-3007	375	38	interchange	interchange	NOUN
cblr-3007	375	39	feesno	feesno	NOUN
cblr-3007	375	40	.	.	PUNCT
cblr-3007	376	1	3:5511	3:5511	NUM
cblr-3007	376	2	cap	cap	NOUN
cblr-3007	376	3	's	's	PART
cblr-3007	376	4	imposition	imposition	NOUN
cblr-3007	376	5	.	.	PUNCT
cblr-3007	377	1	if	if	SCONJ
cblr-3007	377	2	this	this	DET
cblr-3007	377	3	swing	swing	NOUN
cblr-3007	377	4	does	do	AUX
cblr-3007	377	5	occur	occur	VERB
cblr-3007	377	6	,	,	PUNCT
cblr-3007	377	7	then	then	ADV
cblr-3007	377	8	the	the	DET
cblr-3007	377	9	ostensible	ostensible	ADJ
cblr-3007	377	10	subsidy	subsidy	NOUN
cblr-3007	377	11	that	that	SCONJ
cblr-3007	377	12	the	the	DET
cblr-3007	377	13	closed	closed	ADJ
cblr-3007	377	14	systems	system	NOUN
cblr-3007	377	15	'	'	PART
cblr-3007	377	16	cardholders	cardholder	NOUN
cblr-3007	377	17	receive	receive	VERB
cblr-3007	377	18	from	from	ADP
cblr-3007	377	19	non	non	ADJ
cblr-3007	377	20	-	-	ADJ
cblr-3007	377	21	credit	credit	ADJ
cblr-3007	377	22	card	card	NOUN
cblr-3007	377	23	users	user	NOUN
cblr-3007	377	24	should	should	AUX
cblr-3007	377	25	increase	increase	VERB
cblr-3007	377	26	accordingly	accordingly	ADV
cblr-3007	377	27	.	.	PUNCT
cblr-3007	378	1	this	this	DET
cblr-3007	378	2	prediction	prediction	NOUN
cblr-3007	378	3	seems	seem	VERB
cblr-3007	378	4	to	to	PART
cblr-3007	378	5	have	have	AUX
cblr-3007	378	6	been	be	AUX
cblr-3007	378	7	borne	bear	VERB
cblr-3007	378	8	out	out	ADP
cblr-3007	378	9	by	by	ADP
cblr-3007	378	10	the	the	DET
cblr-3007	378	11	recent	recent	ADJ
cblr-3007	378	12	data	datum	NOUN
cblr-3007	378	13	collected	collect	VERB
cblr-3007	378	14	by	by	ADP
cblr-3007	378	15	the	the	DET
cblr-3007	378	16	rba	rba	NOUN
cblr-3007	378	17	,	,	PUNCT
cblr-3007	378	18	which	which	PRON
cblr-3007	378	19	shows	show	VERB
cblr-3007	378	20	an	an	DET
cblr-3007	378	21	increase	increase	NOUN
cblr-3007	378	22	in	in	ADP
cblr-3007	378	23	the	the	DET
cblr-3007	378	24	use	use	NOUN
cblr-3007	378	25	of	of	ADP
cblr-3007	378	26	closed	closed	ADJ
cblr-3007	378	27	-	-	PUNCT
cblr-3007	378	28	system	system	NOUN
cblr-3007	378	29	cards	card	NOUN
cblr-3007	378	30	relative	relative	ADJ
cblr-3007	378	31	to	to	ADP
cblr-3007	378	32	open	open	ADJ
cblr-3007	378	33	-	-	PUNCT
cblr-3007	378	34	system	system	NOUN
cblr-3007	378	35	cards	card	NOUN
cblr-3007	378	36	,	,	PUNCT
cblr-3007	378	37	even	even	ADV
cblr-3007	378	38	though	though	SCONJ
cblr-3007	378	39	the	the	DET
cblr-3007	378	40	gap	gap	NOUN
cblr-3007	378	41	in	in	ADP
cblr-3007	378	42	the	the	DET
cblr-3007	378	43	merchant	merchant	NOUN
cblr-3007	378	44	discount	discount	NOUN
cblr-3007	378	45	has	have	AUX
cblr-3007	378	46	grown	grow	VERB
cblr-3007	378	47	steeper	steep	ADJ
cblr-3007	378	48	since	since	SCONJ
cblr-3007	378	49	the	the	DET
cblr-3007	378	50	advent	advent	NOUN
cblr-3007	378	51	of	of	ADP
cblr-3007	378	52	the	the	DET
cblr-3007	378	53	rba	rba	NOUN
cblr-3007	378	54	's	's	PART
cblr-3007	378	55	selective	selective	ADJ
cblr-3007	378	56	administrative	administrative	ADJ
cblr-3007	378	57	rule	rule	NOUN
cblr-3007	378	58	.	.	PUNCT
cblr-3007	379	1	it	it	PRON
cblr-3007	379	2	is	be	AUX
cblr-3007	379	3	a	a	DET
cblr-3007	379	4	fact	fact	NOUN
cblr-3007	379	5	that	that	SCONJ
cblr-3007	379	6	three	three	NUM
cblr-3007	379	7	-	-	PUNCT
cblr-3007	379	8	party	party	NOUN
cblr-3007	379	9	(	(	PUNCT
cblr-3007	379	10	closedsystem	closedsystem	NOUN
cblr-3007	379	11	)	)	PUNCT
cblr-3007	379	12	cards	card	NOUN
cblr-3007	379	13	now	now	ADV
cblr-3007	379	14	account	account	VERB
cblr-3007	379	15	for	for	ADP
cblr-3007	379	16	17	17	NUM
cblr-3007	379	17	%	%	NOUN
cblr-3007	379	18	of	of	ADP
cblr-3007	379	19	transactions	transaction	NOUN
cblr-3007	379	20	by	by	ADP
cblr-3007	379	21	cash	cash	NOUN
cblr-3007	379	22	volume	volume	NOUN
cblr-3007	379	23	as	as	ADP
cblr-3007	379	24	of	of	ADP
cblr-3007	379	25	august	august	PROPN
cblr-3007	379	26	2005	2005	NUM
cblr-3007	379	27	,	,	PUNCT
cblr-3007	379	28	up	up	ADV
cblr-3007	379	29	from	from	ADP
cblr-3007	379	30	13.7	13.7	NUM
cblr-3007	379	31	%	%	NOUN
cblr-3007	379	32	as	as	ADP
cblr-3007	379	33	of	of	ADP
cblr-3007	379	34	september	september	PROPN
cblr-3007	379	35	2003.29	2003.29	NUM
cblr-3007	379	36	in	in	ADP
cblr-3007	379	37	the	the	DET
cblr-3007	379	38	face	face	NOUN
cblr-3007	379	39	of	of	ADP
cblr-3007	379	40	this	this	DET
cblr-3007	379	41	criticism	criticism	NOUN
cblr-3007	379	42	,	,	PUNCT
cblr-3007	379	43	the	the	DET
cblr-3007	379	44	rba	rba	NOUN
cblr-3007	379	45	retreats	retreat	VERB
cblr-3007	379	46	to	to	ADP
cblr-3007	379	47	a	a	DET
cblr-3007	379	48	set	set	NOUN
cblr-3007	379	49	of	of	ADP
cblr-3007	379	50	unpersuasive	unpersuasive	ADJ
cblr-3007	379	51	bromides	bromide	NOUN
cblr-3007	379	52	.	.	PUNCT
cblr-3007	380	1	the	the	DET
cblr-3007	380	2	rba	rba	NOUN
cblr-3007	380	3	claims	claim	VERB
cblr-3007	380	4	that	that	SCONJ
cblr-3007	380	5	"	"	PUNCT
cblr-3007	380	6	at	at	ADP
cblr-3007	380	7	this	this	DET
cblr-3007	380	8	stage	stage	NOUN
cblr-3007	380	9	,	,	PUNCT
cblr-3007	380	10	such	such	ADJ
cblr-3007	380	11	regulation	regulation	NOUN
cblr-3007	380	12	[	[	X
cblr-3007	380	13	of	of	ADP
cblr-3007	380	14	both	both	DET
cblr-3007	380	15	types	type	NOUN
cblr-3007	380	16	of	of	ADP
cblr-3007	380	17	card	card	NOUN
cblr-3007	380	18	systems	system	NOUN
cblr-3007	380	19	]	]	PUNCT
cblr-3007	380	20	would	would	AUX
cblr-3007	380	21	not	not	PART
cblr-3007	380	22	improve	improve	VERB
cblr-3007	380	23	the	the	DET
cblr-3007	380	24	overall	overall	ADJ
cblr-3007	380	25	efficiency	efficiency	NOUN
cblr-3007	380	26	of	of	ADP
cblr-3007	380	27	the	the	DET
cblr-3007	380	28	payments	payment	NOUN
cblr-3007	380	29	system	system	NOUN
cblr-3007	380	30	,	,	PUNCT
cblr-3007	380	31	"	"	PUNCT
cblr-3007	380	32	that	that	SCONJ
cblr-3007	380	33	it	it	PRON
cblr-3007	380	34	would	would	AUX
cblr-3007	380	35	have	have	VERB
cblr-3007	380	36	"	"	PUNCT
cblr-3007	380	37	relatively	relatively	ADV
cblr-3007	380	38	little	little	ADJ
cblr-3007	380	39	effect	effect	NOUN
cblr-3007	380	40	on	on	ADP
cblr-3007	380	41	merchant	merchant	NOUN
cblr-3007	380	42	charges	charge	NOUN
cblr-3007	380	43	,	,	PUNCT
cblr-3007	380	44	"	"	PUNCT
cblr-3007	380	45	and	and	CCONJ
cblr-3007	380	46	that	that	SCONJ
cblr-3007	380	47	any	any	DET
cblr-3007	380	48	effort	effort	NOUN
cblr-3007	380	49	to	to	PART
cblr-3007	380	50	reach	reach	VERB
cblr-3007	380	51	this	this	DET
cblr-3007	380	52	problem	problem	NOUN
cblr-3007	380	53	could	could	AUX
cblr-3007	380	54	"	"	PUNCT
cblr-3007	380	55	only	only	ADV
cblr-3007	380	56	be	be	AUX
cblr-3007	380	57	addressed	address	VERB
cblr-3007	380	58	through	through	ADP
cblr-3007	380	59	considerably	considerably	ADV
cblr-3007	380	60	more	more	ADV
cblr-3007	380	61	extensive	extensive	ADJ
cblr-3007	380	62	regulation	regulation	NOUN
cblr-3007	380	63	than	than	ADP
cblr-3007	380	64	that	that	PRON
cblr-3007	380	65	currently	currently	ADV
cblr-3007	380	66	existing	exist	VERB
cblr-3007	380	67	in	in	ADP
cblr-3007	380	68	the	the	DET
cblr-3007	380	69	credit	credit	NOUN
cblr-3007	380	70	card	card	NOUN
cblr-3007	380	71	schemes	scheme	NOUN
cblr-3007	380	72	.	.	PUNCT
cblr-3007	381	1	"3	"3	NOUN
cblr-3007	381	2	the	the	DET
cblr-3007	381	3	rba	rba	NOUN
cblr-3007	381	4	advances	advance	VERB
cblr-3007	381	5	these	these	DET
cblr-3007	381	6	defensive	defensive	ADJ
cblr-3007	381	7	claims	claim	NOUN
cblr-3007	381	8	without	without	ADP
cblr-3007	381	9	support	support	NOUN
cblr-3007	381	10	from	from	ADP
cblr-3007	381	11	any	any	DET
cblr-3007	381	12	empirical	empirical	ADJ
cblr-3007	381	13	or	or	CCONJ
cblr-3007	381	14	theoretical	theoretical	ADJ
cblr-3007	381	15	evidence	evidence	NOUN
cblr-3007	381	16	.	.	PUNCT
cblr-3007	382	1	in	in	ADP
cblr-3007	382	2	particular	particular	ADJ
cblr-3007	382	3	,	,	PUNCT
cblr-3007	382	4	the	the	DET
cblr-3007	382	5	rba	rba	NOUN
cblr-3007	382	6	does	do	AUX
cblr-3007	382	7	not	not	PART
cblr-3007	382	8	explain	explain	VERB
cblr-3007	382	9	why	why	SCONJ
cblr-3007	382	10	no	no	DET
cblr-3007	382	11	regulation	regulation	NOUN
cblr-3007	382	12	of	of	ADP
cblr-3007	382	13	either	either	CCONJ
cblr-3007	382	14	closed	closed	ADJ
cblr-3007	382	15	or	or	CCONJ
cblr-3007	382	16	open	open	ADJ
cblr-3007	382	17	systems	system	NOUN
cblr-3007	382	18	is	be	AUX
cblr-3007	382	19	better	well	ADJ
cblr-3007	382	20	than	than	ADP
cblr-3007	382	21	the	the	DET
cblr-3007	382	22	partial	partial	ADJ
cblr-3007	382	23	regulation	regulation	NOUN
cblr-3007	382	24	of	of	ADP
cblr-3007	382	25	one	one	NUM
cblr-3007	382	26	type	type	NOUN
cblr-3007	382	27	of	of	ADP
cblr-3007	382	28	competitor	competitor	NOUN
cblr-3007	382	29	with	with	ADP
cblr-3007	382	30	its	its	PRON
cblr-3007	382	31	attendant	attendant	ADJ
cblr-3007	382	32	distortions	distortion	NOUN
cblr-3007	382	33	.	.	PUNCT
cblr-3007	383	1	nor	nor	CCONJ
cblr-3007	383	2	does	do	AUX
cblr-3007	383	3	the	the	DET
cblr-3007	383	4	rba	rba	NOUN
cblr-3007	383	5	offer	offer	VERB
cblr-3007	383	6	any	any	DET
cblr-3007	383	7	explanation	explanation	NOUN
cblr-3007	383	8	as	as	ADP
cblr-3007	383	9	to	to	ADP
cblr-3007	383	10	why	why	SCONJ
cblr-3007	383	11	the	the	DET
cblr-3007	383	12	admitted	admit	VERB
cblr-3007	383	13	shift	shift	NOUN
cblr-3007	383	14	in	in	ADP
cblr-3007	383	15	transaction	transaction	NOUN
cblr-3007	383	16	volume	volume	NOUN
cblr-3007	383	17	has	have	AUX
cblr-3007	383	18	taken	take	VERB
cblr-3007	383	19	place	place	NOUN
cblr-3007	383	20	,	,	PUNCT
cblr-3007	383	21	if	if	SCONJ
cblr-3007	383	22	not	not	PART
cblr-3007	383	23	for	for	ADP
cblr-3007	383	24	the	the	DET
cblr-3007	383	25	competitive	competitive	ADJ
cblr-3007	383	26	boost	boost	NOUN
cblr-3007	383	27	.	.	PUNCT
cblr-3007	384	1	the	the	DET
cblr-3007	384	2	simple	simple	ADJ
cblr-3007	384	3	explanation	explanation	NOUN
cblr-3007	384	4	for	for	ADP
cblr-3007	384	5	the	the	DET
cblr-3007	384	6	problem	problem	NOUN
cblr-3007	384	7	lies	lie	VERB
cblr-3007	384	8	in	in	ADP
cblr-3007	384	9	the	the	DET
cblr-3007	384	10	peculiar	peculiar	ADJ
cblr-3007	384	11	economics	economic	NOUN
cblr-3007	384	12	of	of	ADP
cblr-3007	384	13	two	two	NUM
cblr-3007	384	14	-	-	PUNCT
cblr-3007	384	15	sided	sided	ADJ
cblr-3007	384	16	markets	market	NOUN
cblr-3007	384	17	,	,	PUNCT
cblr-3007	384	18	which	which	PRON
cblr-3007	384	19	include	include	VERB
cblr-3007	384	20	29	29	NUM
cblr-3007	384	21	letter	letter	NOUN
cblr-3007	384	22	from	from	ADP
cblr-3007	384	23	leigh	leigh	PROPN
cblr-3007	384	24	clapham	clapham	PROPN
cblr-3007	384	25	,	,	PUNCT
cblr-3007	384	26	senior	senior	ADJ
cblr-3007	384	27	vice	vice	NOUN
cblr-3007	384	28	president	president	NOUN
cblr-3007	384	29	,	,	PUNCT
cblr-3007	384	30	mastercard	mastercard	PROPN
cblr-3007	384	31	australia	australia	PROPN
cblr-3007	384	32	,	,	PUNCT
cblr-3007	384	33	to	to	ADP
cblr-3007	384	34	dr	dr	PROPN
cblr-3007	384	35	.	.	PROPN
cblr-3007	385	1	john	john	PROPN
cblr-3007	385	2	veale	veale	PROPN
cblr-3007	385	3	,	,	PUNCT
cblr-3007	385	4	head	head	NOUN
cblr-3007	385	5	,	,	PUNCT
cblr-3007	385	6	payments	payment	VERB
cblr-3007	385	7	policy	policy	NOUN
cblr-3007	385	8	of	of	ADP
cblr-3007	385	9	the	the	DET
cblr-3007	385	10	reserve	reserve	PROPN
cblr-3007	385	11	bank	bank	PROPN
cblr-3007	385	12	of	of	ADP
cblr-3007	385	13	australia	australia	PROPN
cblr-3007	385	14	(	(	PUNCT
cblr-3007	385	15	aug	aug	PROPN
cblr-3007	385	16	.	.	PROPN
cblr-3007	385	17	25	25	NUM
cblr-3007	385	18	,	,	PUNCT
cblr-3007	385	19	2005	2005	NUM
cblr-3007	385	20	)	)	PUNCT
cblr-3007	385	21	,	,	PUNCT
cblr-3007	385	22	available	available	ADJ
cblr-3007	385	23	at	at	ADP
cblr-3007	385	24	http://www.rba.gov.au/	http://www.rba.gov.au/	ADJ
cblr-3007	385	25	paymentssystem	paymentssystem	NOUN
cblr-3007	385	26	/	/	SYM
cblr-3007	385	27	reforms	reform	NOUN
cblr-3007	385	28	/	/	SYM
cblr-3007	385	29	ccschemes	ccscheme	NOUN
cblr-3007	385	30	/	/	SYM
cblr-3007	385	31	submissionsdcccistd	submissionsdcccistd	PROPN
cblr-3007	385	32	/	/	SYM
cblr-3007	385	33	mc_250820	mc_250820	NOUN
cblr-3007	385	34	05_l.pdf	05_l.pdf	NUM
cblr-3007	386	1	[	[	X
cblr-3007	386	2	hereinafter	hereinafter	NOUN
cblr-3007	386	3	clapham	clapham	NOUN
cblr-3007	386	4	letter	letter	NOUN
cblr-3007	386	5	]	]	PUNCT
cblr-3007	386	6	.	.	PUNCT
cblr-3007	386	7	"	"	PUNCT
cblr-3007	386	8	see	see	VERB
cblr-3007	386	9	i	i	PRON
cblr-3007	386	10	d.	d.	PROPN
cblr-3007	386	11	at	at	ADP
cblr-3007	386	12	3	3	NUM
cblr-3007	386	13	;	;	PUNCT
cblr-3007	386	14	see	see	VERB
cblr-3007	386	15	also	also	ADV
cblr-3007	386	16	press	press	NOUN
cblr-3007	386	17	release	release	NOUN
cblr-3007	386	18	,	,	PUNCT
cblr-3007	386	19	reserve	reserve	PROPN
cblr-3007	386	20	bank	bank	PROPN
cblr-3007	386	21	of	of	ADP
cblr-3007	386	22	australia	australia	PROPN
cblr-3007	386	23	,	,	PUNCT
cblr-3007	386	24	payments	payment	NOUN
cblr-3007	386	25	system	system	NOUN
cblr-3007	386	26	reform	reform	NOUN
cblr-3007	386	27	(	(	PUNCT
cblr-3007	386	28	feb	feb	PROPN
cblr-3007	386	29	.	.	PROPN
cblr-3007	386	30	24	24	NUM
cblr-3007	386	31	,	,	PUNCT
cblr-3007	386	32	2005	2005	NUM
cblr-3007	386	33	)	)	PUNCT
cblr-3007	386	34	,	,	PUNCT
cblr-3007	386	35	available	available	ADJ
cblr-3007	386	36	at	at	ADP
cblr-3007	386	37	http:/	http:/	PROPN
cblr-3007	386	38	!	!	PUNCT
cblr-3007	387	1	www.rba.gov.au/mediareleases/2005/mr	www.rba.gov.au/mediareleases/2005/mr	PROPN
cblr-3007	387	2	05_02.html	05_02.html	NUM
cblr-3007	387	3	.	.	PUNCT
cblr-3007	388	1	[	[	X
cblr-3007	388	2	vol	vol	NOUN
cblr-3007	388	3	.	.	PUNCT
cblr-3007	389	1	2005col	2005col	NUM
cblr-3007	389	2	umbia	umbia	NOUN
cblr-3007	390	1	b	b	PROPN
cblr-3007	391	1	usiness	usiness	PROPN
cblr-3007	391	2	la	la	PROPN
cblr-3007	391	3	w	w	PROPN
cblr-3007	391	4	re	re	PROPN
cblr-3007	391	5	vie	vie	PROPN
cblr-3007	391	6	w	w	PROPN
cblr-3007	391	7	credit	credit	NOUN
cblr-3007	391	8	card	card	NOUN
cblr-3007	391	9	platforms	platform	NOUN
cblr-3007	391	10	.	.	PUNCT
cblr-3007	392	1	both	both	DET
cblr-3007	392	2	closed	close	VERB
cblr-3007	392	3	-	-	PUNCT
cblr-3007	392	4	system	system	NOUN
cblr-3007	392	5	merchant	merchant	NOUN
cblr-3007	392	6	charges	charge	NOUN
cblr-3007	392	7	without	without	ADP
cblr-3007	392	8	regulation	regulation	NOUN
cblr-3007	392	9	and	and	CCONJ
cblr-3007	392	10	open	open	ADJ
cblr-3007	392	11	-	-	PUNCT
cblr-3007	392	12	system	system	NOUN
cblr-3007	392	13	merchant	merchant	NOUN
cblr-3007	392	14	charges	charge	NOUN
cblr-3007	392	15	with	with	ADP
cblr-3007	392	16	regulation	regulation	NOUN
cblr-3007	392	17	must	must	AUX
cblr-3007	392	18	satisfy	satisfy	VERB
cblr-3007	392	19	this	this	DET
cblr-3007	392	20	minimum	minimum	ADJ
cblr-3007	392	21	condition	condition	NOUN
cblr-3007	392	22	:	:	PUNCT
cblr-3007	392	23	all	all	DET
cblr-3007	392	24	relevant	relevant	ADJ
cblr-3007	392	25	parties	party	NOUN
cblr-3007	392	26	must	must	AUX
cblr-3007	392	27	desire	desire	VERB
cblr-3007	392	28	to	to	PART
cblr-3007	392	29	remain	remain	VERB
cblr-3007	392	30	in	in	ADP
cblr-3007	392	31	the	the	DET
cblr-3007	392	32	network	network	NOUN
cblr-3007	392	33	.	.	PUNCT
cblr-3007	393	1	two	two	NUM
cblr-3007	393	2	-	-	PUNCT
cblr-3007	393	3	sided	sided	ADJ
cblr-3007	393	4	markets	market	NOUN
cblr-3007	393	5	are	be	AUX
cblr-3007	393	6	distinctive	distinctive	ADJ
cblr-3007	393	7	in	in	ADP
cblr-3007	393	8	that	that	SCONJ
cblr-3007	393	9	the	the	DET
cblr-3007	393	10	charges	charge	NOUN
cblr-3007	393	11	levied	levy	VERB
cblr-3007	393	12	on	on	ADP
cblr-3007	393	13	all	all	DET
cblr-3007	393	14	players	player	NOUN
cblr-3007	393	15	in	in	ADP
cblr-3007	393	16	the	the	DET
cblr-3007	393	17	system	system	NOUN
cblr-3007	393	18	do	do	AUX
cblr-3007	393	19	not	not	PART
cblr-3007	393	20	equate	equate	VERB
cblr-3007	393	21	with	with	ADP
cblr-3007	393	22	these	these	DET
cblr-3007	393	23	players	player	NOUN
cblr-3007	393	24	'	'	PART
cblr-3007	393	25	marginal	marginal	ADJ
cblr-3007	393	26	costs	cost	NOUN
cblr-3007	393	27	,	,	PUNCT
cblr-3007	393	28	as	as	SCONJ
cblr-3007	393	29	they	they	PRON
cblr-3007	393	30	generally	generally	ADV
cblr-3007	393	31	do	do	VERB
cblr-3007	393	32	in	in	ADP
cblr-3007	393	33	competitive	competitive	ADJ
cblr-3007	393	34	markets	market	NOUN
cblr-3007	393	35	where	where	SCONJ
cblr-3007	393	36	marginal	marginal	ADJ
cblr-3007	393	37	costs	cost	NOUN
cblr-3007	393	38	are	be	AUX
cblr-3007	393	39	constant	constant	ADJ
cblr-3007	393	40	.	.	PUNCT
cblr-3007	394	1	in	in	ADP
cblr-3007	394	2	competitive	competitive	ADJ
cblr-3007	394	3	market	market	NOUN
cblr-3007	394	4	situations	situation	NOUN
cblr-3007	394	5	,	,	PUNCT
cblr-3007	394	6	there	there	PRON
cblr-3007	394	7	are	be	VERB
cblr-3007	394	8	plenty	plenty	NOUN
cblr-3007	394	9	of	of	ADP
cblr-3007	394	10	bargains	bargain	NOUN
cblr-3007	394	11	,	,	PUNCT
cblr-3007	394	12	but	but	CCONJ
cblr-3007	394	13	no	no	DET
cblr-3007	394	14	bargaining	bargaining	NOUN
cblr-3007	394	15	,	,	PUNCT
cblr-3007	394	16	because	because	SCONJ
cblr-3007	394	17	of	of	ADP
cblr-3007	394	18	the	the	DET
cblr-3007	394	19	unique	unique	ADJ
cblr-3007	394	20	competitive	competitive	ADJ
cblr-3007	394	21	equilibrium	equilibrium	NOUN
cblr-3007	394	22	that	that	PRON
cblr-3007	394	23	sets	set	VERB
cblr-3007	394	24	price	price	NOUN
cblr-3007	394	25	equal	equal	ADJ
cblr-3007	394	26	to	to	ADP
cblr-3007	394	27	marginal	marginal	ADJ
cblr-3007	394	28	cost	cost	NOUN
cblr-3007	394	29	.	.	PUNCT
cblr-3007	395	1	that	that	DET
cblr-3007	395	2	unique	unique	ADJ
cblr-3007	395	3	equilibrium	equilibrium	NOUN
cblr-3007	395	4	does	do	AUX
cblr-3007	395	5	not	not	PART
cblr-3007	395	6	exist	exist	VERB
cblr-3007	395	7	in	in	ADP
cblr-3007	395	8	two	two	NUM
cblr-3007	395	9	-	-	PUNCT
cblr-3007	395	10	sided	sided	ADJ
cblr-3007	395	11	markets	market	NOUN
cblr-3007	395	12	.	.	PUNCT
cblr-3007	396	1	hence	hence	ADV
cblr-3007	396	2	,	,	PUNCT
cblr-3007	396	3	a	a	DET
cblr-3007	396	4	pricing	pricing	NOUN
cblr-3007	396	5	problem	problem	NOUN
cblr-3007	396	6	arises	arise	VERB
cblr-3007	396	7	that	that	PRON
cblr-3007	396	8	is	be	AUX
cblr-3007	396	9	not	not	PART
cblr-3007	396	10	dissimilar	dissimilar	ADJ
cblr-3007	396	11	to	to	ADP
cblr-3007	396	12	the	the	DET
cblr-3007	396	13	problem	problem	NOUN
cblr-3007	396	14	that	that	PRON
cblr-3007	396	15	arises	arise	VERB
cblr-3007	396	16	in	in	ADP
cblr-3007	396	17	connection	connection	NOUN
cblr-3007	396	18	with	with	ADP
cblr-3007	396	19	the	the	DET
cblr-3007	396	20	general	general	ADJ
cblr-3007	396	21	marginal	marginal	ADJ
cblr-3007	396	22	cost	cost	NOUN
cblr-3007	396	23	controversy	controversy	NOUN
cblr-3007	396	24	:	:	PUNCT
cblr-3007	396	25	how	how	SCONJ
cblr-3007	396	26	does	do	AUX
cblr-3007	396	27	one	one	NUM
cblr-3007	396	28	price	price	VERB
cblr-3007	396	29	an	an	DET
cblr-3007	396	30	item	item	NOUN
cblr-3007	396	31	when	when	SCONJ
cblr-3007	396	32	the	the	DET
cblr-3007	396	33	cost	cost	NOUN
cblr-3007	396	34	of	of	ADP
cblr-3007	396	35	the	the	DET
cblr-3007	396	36	first	first	ADJ
cblr-3007	396	37	unit	unit	NOUN
cblr-3007	396	38	is	be	AUX
cblr-3007	396	39	exceedingly	exceedingly	ADV
cblr-3007	396	40	high	high	ADJ
cblr-3007	396	41	(	(	PUNCT
cblr-3007	396	42	e.g.	e.g.	ADV
cblr-3007	396	43	,	,	PUNCT
cblr-3007	396	44	a	a	DET
cblr-3007	396	45	new	new	ADJ
cblr-3007	396	46	bridge	bridge	NOUN
cblr-3007	396	47	or	or	CCONJ
cblr-3007	396	48	a	a	DET
cblr-3007	396	49	new	new	ADJ
cblr-3007	396	50	drug	drug	NOUN
cblr-3007	396	51	)	)	PUNCT
cblr-3007	396	52	,	,	PUNCT
cblr-3007	396	53	but	but	CCONJ
cblr-3007	396	54	the	the	DET
cblr-3007	396	55	cost	cost	NOUN
cblr-3007	396	56	of	of	ADP
cblr-3007	396	57	each	each	DET
cblr-3007	396	58	subsequent	subsequent	ADJ
cblr-3007	396	59	unit	unit	NOUN
cblr-3007	396	60	is	be	AUX
cblr-3007	396	61	very	very	ADV
cblr-3007	396	62	low?31	low?31	ADP
cblr-3007	396	63	the	the	DET
cblr-3007	396	64	decision	decision	NOUN
cblr-3007	396	65	to	to	PART
cblr-3007	396	66	charge	charge	VERB
cblr-3007	396	67	only	only	ADJ
cblr-3007	396	68	marginal	marginal	ADJ
cblr-3007	396	69	cost	cost	NOUN
cblr-3007	396	70	for	for	ADP
cblr-3007	396	71	all	all	DET
cblr-3007	396	72	units	unit	NOUN
cblr-3007	396	73	means	mean	VERB
cblr-3007	396	74	that	that	SCONJ
cblr-3007	396	75	the	the	DET
cblr-3007	396	76	developer	developer	NOUN
cblr-3007	396	77	can	can	AUX
cblr-3007	396	78	not	not	PART
cblr-3007	396	79	recoup	recoup	VERB
cblr-3007	396	80	its	its	PRON
cblr-3007	396	81	upfront	upfront	ADJ
cblr-3007	396	82	costs	cost	NOUN
cblr-3007	396	83	over	over	ADP
cblr-3007	396	84	the	the	DET
cblr-3007	396	85	useful	useful	ADJ
cblr-3007	396	86	life	life	NOUN
cblr-3007	396	87	of	of	ADP
cblr-3007	396	88	its	its	PRON
cblr-3007	396	89	asset	asset	NOUN
cblr-3007	396	90	.	.	PUNCT
cblr-3007	397	1	some	some	DET
cblr-3007	397	2	form	form	NOUN
cblr-3007	397	3	of	of	ADP
cblr-3007	397	4	subsidy	subsidy	NOUN
cblr-3007	397	5	,	,	PUNCT
cblr-3007	397	6	therefore	therefore	ADV
cblr-3007	397	7	,	,	PUNCT
cblr-3007	397	8	must	must	AUX
cblr-3007	397	9	be	be	AUX
cblr-3007	397	10	administered	administer	VERB
cblr-3007	397	11	without	without	ADP
cblr-3007	397	12	any	any	DET
cblr-3007	397	13	clear	clear	ADJ
cblr-3007	397	14	sense	sense	NOUN
cblr-3007	397	15	that	that	SCONJ
cblr-3007	397	16	the	the	DET
cblr-3007	397	17	ultimate	ultimate	ADJ
cblr-3007	397	18	social	social	ADJ
cblr-3007	397	19	value	value	NOUN
cblr-3007	397	20	of	of	ADP
cblr-3007	397	21	the	the	DET
cblr-3007	397	22	product	product	NOUN
cblr-3007	397	23	will	will	AUX
cblr-3007	397	24	justify	justify	VERB
cblr-3007	397	25	the	the	DET
cblr-3007	397	26	subsidy	subsidy	NOUN
cblr-3007	397	27	's	's	PART
cblr-3007	397	28	imposition	imposition	NOUN
cblr-3007	397	29	.	.	PUNCT
cblr-3007	398	1	the	the	DET
cblr-3007	398	2	only	only	ADJ
cblr-3007	398	3	alternative	alternative	ADJ
cblr-3007	398	4	pricing	pricing	NOUN
cblr-3007	398	5	method	method	NOUN
cblr-3007	398	6	,	,	PUNCT
cblr-3007	398	7	which	which	PRON
cblr-3007	398	8	in	in	ADP
cblr-3007	398	9	most	most	ADJ
cblr-3007	398	10	cases	case	NOUN
cblr-3007	398	11	is	be	AUX
cblr-3007	398	12	thought	think	VERB
cblr-3007	398	13	to	to	PART
cblr-3007	398	14	yield	yield	VERB
cblr-3007	398	15	fewer	few	ADJ
cblr-3007	398	16	distortions	distortion	NOUN
cblr-3007	398	17	,	,	PUNCT
cblr-3007	398	18	is	be	AUX
cblr-3007	398	19	to	to	PART
cblr-3007	398	20	allow	allow	VERB
cblr-3007	398	21	prices	price	NOUN
cblr-3007	398	22	on	on	ADP
cblr-3007	398	23	subsequent	subsequent	ADJ
cblr-3007	398	24	units	unit	NOUN
cblr-3007	398	25	to	to	PART
cblr-3007	398	26	be	be	AUX
cblr-3007	398	27	set	set	VERB
cblr-3007	398	28	above	above	ADP
cblr-3007	398	29	marginal	marginal	ADJ
cblr-3007	398	30	cost	cost	NOUN
cblr-3007	398	31	,	,	PUNCT
cblr-3007	398	32	allowing	allow	VERB
cblr-3007	398	33	for	for	ADP
cblr-3007	398	34	some	some	DET
cblr-3007	398	35	loss	loss	NOUN
cblr-3007	398	36	of	of	ADP
cblr-3007	398	37	the	the	DET
cblr-3007	398	38	user	user	NOUN
cblr-3007	398	39	base	base	NOUN
cblr-3007	398	40	,	,	PUNCT
cblr-3007	398	41	so	so	SCONJ
cblr-3007	398	42	that	that	SCONJ
cblr-3007	398	43	the	the	DET
cblr-3007	398	44	company	company	NOUN
cblr-3007	398	45	may	may	AUX
cblr-3007	398	46	recover	recover	VERB
cblr-3007	398	47	its	its	PRON
cblr-3007	398	48	upfront	upfront	ADJ
cblr-3007	398	49	fixed	fix	VERB
cblr-3007	398	50	costs	cost	NOUN
cblr-3007	398	51	.	.	PUNCT
cblr-3007	399	1	the	the	DET
cblr-3007	399	2	point	point	NOUN
cblr-3007	399	3	here	here	ADV
cblr-3007	399	4	is	be	AUX
cblr-3007	399	5	that	that	SCONJ
cblr-3007	399	6	even	even	ADV
cblr-3007	399	7	in	in	ADP
cblr-3007	399	8	this	this	DET
cblr-3007	399	9	relatively	relatively	ADV
cblr-3007	399	10	simple	simple	ADJ
cblr-3007	399	11	scenario	scenario	NOUN
cblr-3007	399	12	,	,	PUNCT
cblr-3007	399	13	there	there	PRON
cblr-3007	399	14	is	be	VERB
cblr-3007	399	15	no	no	DET
cblr-3007	399	16	optimal	optimal	ADJ
cblr-3007	399	17	solution	solution	NOUN
cblr-3007	399	18	that	that	PRON
cblr-3007	399	19	reaches	reach	VERB
cblr-3007	399	20	the	the	DET
cblr-3007	399	21	happy	happy	ADJ
cblr-3007	399	22	outcome	outcome	NOUN
cblr-3007	399	23	of	of	ADP
cblr-3007	399	24	an	an	DET
cblr-3007	399	25	ordinary	ordinary	ADJ
cblr-3007	399	26	competitive	competitive	ADJ
cblr-3007	399	27	market	market	NOUN
cblr-3007	399	28	where	where	SCONJ
cblr-3007	399	29	-	-	PUNCT
cblr-3007	399	30	in	in	ADP
cblr-3007	399	31	the	the	DET
cblr-3007	399	32	limiting	limit	VERB
cblr-3007	399	33	case	case	NOUN
cblr-3007	399	34	-	-	PUNCT
cblr-3007	399	35	marginal	marginal	ADJ
cblr-3007	399	36	costs	cost	NOUN
cblr-3007	399	37	are	be	AUX
cblr-3007	399	38	constant	constant	ADJ
cblr-3007	399	39	for	for	ADP
cblr-3007	399	40	all	all	DET
cblr-3007	399	41	levels	level	NOUN
cblr-3007	399	42	of	of	ADP
cblr-3007	399	43	production	production	NOUN
cblr-3007	399	44	.	.	PUNCT
cblr-3007	400	1	at	at	ADP
cblr-3007	400	2	this	this	DET
cblr-3007	400	3	point	point	NOUN
cblr-3007	400	4	,	,	PUNCT
cblr-3007	400	5	it	it	PRON
cblr-3007	400	6	should	should	AUX
cblr-3007	400	7	be	be	AUX
cblr-3007	400	8	clear	clear	ADJ
cblr-3007	400	9	that	that	SCONJ
cblr-3007	400	10	the	the	DET
cblr-3007	400	11	two	two	NUM
cblr-3007	400	12	-	-	PUNCT
cblr-3007	400	13	sided	sided	ADJ
cblr-3007	400	14	market	market	NOUN
cblr-3007	400	15	problem	problem	NOUN
cblr-3007	400	16	shares	share	VERB
cblr-3007	400	17	a	a	DET
cblr-3007	400	18	common	common	ADJ
cblr-3007	400	19	property	property	NOUN
cblr-3007	400	20	with	with	ADP
cblr-3007	400	21	the	the	DET
cblr-3007	400	22	high	high	ADJ
cblr-3007	400	23	fixed	fix	VERB
cblr-3007	400	24	,	,	PUNCT
cblr-3007	400	25	but	but	CCONJ
cblr-3007	400	26	31	31	NUM
cblr-3007	400	27	for	for	ADP
cblr-3007	400	28	the	the	DET
cblr-3007	400	29	original	original	ADJ
cblr-3007	400	30	proposal	proposal	NOUN
cblr-3007	400	31	,	,	PUNCT
cblr-3007	400	32	see	see	VERB
cblr-3007	400	33	harold	harold	PROPN
cblr-3007	400	34	hotelling	hotelling	PROPN
cblr-3007	400	35	,	,	PUNCT
cblr-3007	400	36	the	the	DET
cblr-3007	400	37	general	general	ADJ
cblr-3007	400	38	welfare	welfare	NOUN
cblr-3007	400	39	in	in	ADP
cblr-3007	400	40	relation	relation	NOUN
cblr-3007	400	41	to	to	ADP
cblr-3007	400	42	problems	problem	NOUN
cblr-3007	400	43	of	of	ADP
cblr-3007	400	44	taxation	taxation	NOUN
cblr-3007	400	45	and	and	CCONJ
cblr-3007	400	46	of	of	ADP
cblr-3007	400	47	railway	railway	NOUN
cblr-3007	400	48	and	and	CCONJ
cblr-3007	400	49	utility	utility	NOUN
cblr-3007	400	50	rates	rate	NOUN
cblr-3007	400	51	,	,	PUNCT
cblr-3007	400	52	6	6	NUM
cblr-3007	400	53	econometrica	econometrica	NOUN
cblr-3007	400	54	242	242	NUM
cblr-3007	400	55	(	(	PUNCT
cblr-3007	400	56	1938	1938	NUM
cblr-3007	400	57	)	)	PUNCT
cblr-3007	400	58	,	,	PUNCT
cblr-3007	400	59	as	as	SCONJ
cblr-3007	400	60	criticized	criticize	VERB
cblr-3007	400	61	in	in	ADP
cblr-3007	400	62	r.	r.	PROPN
cblr-3007	400	63	h.	h.	PROPN
cblr-3007	400	64	coase	coase	PROPN
cblr-3007	400	65	,	,	PUNCT
cblr-3007	400	66	the	the	DET
cblr-3007	400	67	marginal	marginal	ADJ
cblr-3007	400	68	cost	cost	NOUN
cblr-3007	400	69	controversy	controversy	NOUN
cblr-3007	400	70	,	,	PUNCT
cblr-3007	400	71	13	13	NUM
cblr-3007	400	72	economica	economica	PROPN
cblr-3007	400	73	169	169	NUM
cblr-3007	400	74	(	(	PUNCT
cblr-3007	400	75	1946	1946	NUM
cblr-3007	400	76	)	)	PUNCT
cblr-3007	400	77	,	,	PUNCT
cblr-3007	400	78	and	and	CCONJ
cblr-3007	400	79	,	,	PUNCT
cblr-3007	400	80	in	in	ADP
cblr-3007	400	81	relation	relation	NOUN
cblr-3007	400	82	to	to	ADP
cblr-3007	400	83	intellectual	intellectual	ADJ
cblr-3007	400	84	property	property	NOUN
cblr-3007	400	85	,	,	PUNCT
cblr-3007	400	86	in	in	ADP
cblr-3007	400	87	john	john	PROPN
cblr-3007	400	88	f.	f.	PROPN
cblr-3007	400	89	duffy	duffy	PROPN
cblr-3007	400	90	,	,	PUNCT
cblr-3007	400	91	the	the	DET
cblr-3007	400	92	marginal	marginal	ADJ
cblr-3007	400	93	cost	cost	NOUN
cblr-3007	400	94	controversy	controversy	NOUN
cblr-3007	400	95	in	in	ADP
cblr-3007	400	96	intellectual	intellectual	ADJ
cblr-3007	400	97	property	property	NOUN
cblr-3007	400	98	,	,	PUNCT
cblr-3007	400	99	71	71	NUM
cblr-3007	400	100	u.	u.	NOUN
cblr-3007	400	101	chi	chi	PROPN
cblr-3007	400	102	.	.	PUNCT
cblr-3007	401	1	l.	l.	PROPN
cblr-3007	401	2	rev	rev	PROPN
cblr-3007	401	3	.	.	PROPN
cblr-3007	401	4	37	37	NUM
cblr-3007	401	5	(	(	PUNCT
cblr-3007	401	6	2004	2004	NUM
cblr-3007	401	7	)	)	PUNCT
cblr-3007	401	8	.	.	PUNCT
cblr-3007	402	1	the	the	DET
cblr-3007	402	2	regulation	regulation	NOUN
cblr-3007	402	3	of	of	ADP
cblr-3007	402	4	interchange	interchange	NOUN
cblr-3007	402	5	feesno	feesno	NOUN
cblr-3007	402	6	.	.	PUNCT
cblr-3007	403	1	3:55	3:55	NUM
cblr-3007	403	2	1	1	NUM
cblr-3007	403	3	]	]	PUNCT
cblr-3007	403	4	columbia	columbia	PROPN
cblr-3007	403	5	business	business	PROPN
cblr-3007	403	6	law	law	PROPN
cblr-3007	403	7	review	review	VERB
cblr-3007	403	8	low	low	ADJ
cblr-3007	403	9	marginal	marginal	ADJ
cblr-3007	403	10	,	,	PUNCT
cblr-3007	403	11	cost	cost	NOUN
cblr-3007	403	12	situations	situation	NOUN
cblr-3007	403	13	.	.	PUNCT
cblr-3007	404	1	given	give	VERB
cblr-3007	404	2	the	the	DET
cblr-3007	404	3	excess	excess	ADJ
cblr-3007	404	4	wealth	wealth	NOUN
cblr-3007	404	5	within	within	ADP
cblr-3007	404	6	the	the	DET
cblr-3007	404	7	system	system	NOUN
cblr-3007	404	8	,	,	PUNCT
cblr-3007	404	9	it	it	PRON
cblr-3007	404	10	is	be	AUX
cblr-3007	404	11	not	not	PART
cblr-3007	404	12	possible	possible	ADJ
cblr-3007	404	13	to	to	PART
cblr-3007	404	14	set	set	VERB
cblr-3007	404	15	all	all	DET
cblr-3007	404	16	prices	price	NOUN
cblr-3007	404	17	equal	equal	ADJ
cblr-3007	404	18	to	to	ADP
cblr-3007	404	19	marginal	marginal	ADJ
cblr-3007	404	20	costs	cost	NOUN
cblr-3007	404	21	,	,	PUNCT
cblr-3007	404	22	which	which	PRON
cblr-3007	404	23	explains	explain	VERB
cblr-3007	404	24	why	why	SCONJ
cblr-3007	404	25	everyone	everyone	PRON
cblr-3007	404	26	(	(	PUNCT
cblr-3007	404	27	merchants	merchant	NOUN
cblr-3007	404	28	included	include	VERB
cblr-3007	404	29	)	)	PUNCT
cblr-3007	404	30	jockeys	jockey	NOUN
cblr-3007	404	31	to	to	PART
cblr-3007	404	32	shift	shift	VERB
cblr-3007	404	33	a	a	DET
cblr-3007	404	34	larger	large	ADJ
cblr-3007	404	35	fraction	fraction	NOUN
cblr-3007	404	36	of	of	ADP
cblr-3007	404	37	the	the	DET
cblr-3007	404	38	costs	cost	NOUN
cblr-3007	404	39	of	of	ADP
cblr-3007	404	40	the	the	DET
cblr-3007	404	41	system	system	NOUN
cblr-3007	404	42	to	to	ADP
cblr-3007	404	43	other	other	ADJ
cblr-3007	404	44	market	market	NOUN
cblr-3007	404	45	players	player	NOUN
cblr-3007	404	46	.	.	PUNCT
cblr-3007	405	1	to	to	PART
cblr-3007	405	2	see	see	VERB
cblr-3007	405	3	why	why	SCONJ
cblr-3007	405	4	this	this	PRON
cblr-3007	405	5	is	be	AUX
cblr-3007	405	6	so	so	ADV
cblr-3007	405	7	,	,	PUNCT
cblr-3007	405	8	think	think	VERB
cblr-3007	405	9	of	of	ADP
cblr-3007	405	10	the	the	DET
cblr-3007	405	11	familiar	familiar	ADJ
cblr-3007	405	12	problem	problem	NOUN
cblr-3007	405	13	facing	face	VERB
cblr-3007	405	14	the	the	DET
cblr-3007	405	15	pub	pub	NOUN
cblr-3007	405	16	that	that	PRON
cblr-3007	405	17	knows	know	VERB
cblr-3007	405	18	that	that	SCONJ
cblr-3007	405	19	its	its	PRON
cblr-3007	405	20	success	success	NOUN
cblr-3007	405	21	depends	depend	VERB
cblr-3007	405	22	upon	upon	SCONJ
cblr-3007	405	23	its	its	PRON
cblr-3007	405	24	ability	ability	NOUN
cblr-3007	405	25	to	to	PART
cblr-3007	405	26	attract	attract	VERB
cblr-3007	405	27	male	male	ADJ
cblr-3007	405	28	and	and	CCONJ
cblr-3007	405	29	female	female	ADJ
cblr-3007	405	30	customers	customer	NOUN
cblr-3007	405	31	in	in	ADP
cblr-3007	405	32	roughly	roughly	ADV
cblr-3007	405	33	even	even	ADJ
cblr-3007	405	34	proportions	proportion	NOUN
cblr-3007	405	35	.	.	PUNCT
cblr-3007	406	1	it	it	PRON
cblr-3007	406	2	is	be	AUX
cblr-3007	406	3	a	a	DET
cblr-3007	406	4	safe	safe	ADJ
cblr-3007	406	5	assumption	assumption	NOUN
cblr-3007	406	6	that	that	SCONJ
cblr-3007	406	7	the	the	DET
cblr-3007	406	8	cost	cost	NOUN
cblr-3007	406	9	of	of	ADP
cblr-3007	406	10	service	service	NOUN
cblr-3007	406	11	for	for	ADP
cblr-3007	406	12	both	both	DET
cblr-3007	406	13	classes	class	NOUN
cblr-3007	406	14	of	of	ADP
cblr-3007	406	15	customers	customer	NOUN
cblr-3007	406	16	is	be	AUX
cblr-3007	406	17	the	the	DET
cblr-3007	406	18	same	same	ADJ
cblr-3007	406	19	,	,	PUNCT
cblr-3007	406	20	yet	yet	CCONJ
cblr-3007	406	21	charging	charge	VERB
cblr-3007	406	22	the	the	DET
cblr-3007	406	23	same	same	ADJ
cblr-3007	406	24	price	price	NOUN
cblr-3007	406	25	to	to	ADP
cblr-3007	406	26	both	both	DET
cblr-3007	406	27	sexes	sex	NOUN
cblr-3007	406	28	will	will	AUX
cblr-3007	406	29	not	not	PART
cblr-3007	406	30	get	get	VERB
cblr-3007	406	31	either	either	CCONJ
cblr-3007	406	32	men	man	NOUN
cblr-3007	406	33	or	or	CCONJ
cblr-3007	406	34	women	woman	NOUN
cblr-3007	406	35	their	their	PRON
cblr-3007	406	36	desired	desire	VERB
cblr-3007	406	37	mix	mix	NOUN
cblr-3007	406	38	of	of	ADP
cblr-3007	406	39	goods	good	NOUN
cblr-3007	406	40	and	and	CCONJ
cblr-3007	406	41	services	service	NOUN
cblr-3007	406	42	.	.	PUNCT
cblr-3007	407	1	men	man	NOUN
cblr-3007	407	2	do	do	AUX
cblr-3007	407	3	not	not	PART
cblr-3007	407	4	want	want	VERB
cblr-3007	407	5	beer	beer	NOUN
cblr-3007	407	6	and	and	CCONJ
cblr-3007	407	7	pretzels	pretzel	NOUN
cblr-3007	407	8	as	as	ADP
cblr-3007	407	9	such	such	ADJ
cblr-3007	407	10	;	;	PUNCT
cblr-3007	407	11	they	they	PRON
cblr-3007	407	12	want	want	VERB
cblr-3007	407	13	beer	beer	NOUN
cblr-3007	407	14	and	and	CCONJ
cblr-3007	407	15	pretzels	pretzel	NOUN
cblr-3007	407	16	with	with	ADP
cblr-3007	407	17	women	woman	NOUN
cblr-3007	407	18	present	present	ADJ
cblr-3007	407	19	in	in	ADP
cblr-3007	407	20	sufficient	sufficient	ADJ
cblr-3007	407	21	numbers	number	NOUN
cblr-3007	407	22	.	.	PUNCT
cblr-3007	408	1	uniform	uniform	ADJ
cblr-3007	408	2	charges	charge	NOUN
cblr-3007	408	3	based	base	VERB
cblr-3007	408	4	only	only	ADV
cblr-3007	408	5	on	on	ADP
cblr-3007	408	6	the	the	DET
cblr-3007	408	7	cost	cost	NOUN
cblr-3007	408	8	of	of	ADP
cblr-3007	408	9	the	the	DET
cblr-3007	408	10	provision	provision	NOUN
cblr-3007	408	11	of	of	ADP
cblr-3007	408	12	service	service	NOUN
cblr-3007	408	13	thus	thus	ADV
cblr-3007	408	14	results	result	VERB
cblr-3007	408	15	in	in	ADP
cblr-3007	408	16	too	too	ADV
cblr-3007	408	17	few	few	ADJ
cblr-3007	408	18	women	woman	NOUN
cblr-3007	408	19	relative	relative	ADJ
cblr-3007	408	20	to	to	ADP
cblr-3007	408	21	men	man	NOUN
cblr-3007	408	22	;	;	PUNCT
cblr-3007	408	23	the	the	DET
cblr-3007	408	24	men	man	NOUN
cblr-3007	408	25	withdraw	withdraw	VERB
cblr-3007	408	26	because	because	SCONJ
cblr-3007	408	27	there	there	PRON
cblr-3007	408	28	are	be	VERB
cblr-3007	408	29	not	not	PART
cblr-3007	408	30	enough	enough	ADJ
cblr-3007	408	31	women	woman	NOUN
cblr-3007	408	32	,	,	PUNCT
cblr-3007	408	33	and	and	CCONJ
cblr-3007	408	34	the	the	DET
cblr-3007	408	35	few	few	ADJ
cblr-3007	408	36	remaining	remain	VERB
cblr-3007	408	37	women	woman	NOUN
cblr-3007	408	38	withdraw	withdraw	VERB
cblr-3007	408	39	because	because	SCONJ
cblr-3007	408	40	there	there	PRON
cblr-3007	408	41	are	be	VERB
cblr-3007	408	42	too	too	ADV
cblr-3007	408	43	many	many	ADJ
cblr-3007	408	44	men	man	NOUN
cblr-3007	408	45	.	.	PUNCT
cblr-3007	409	1	the	the	DET
cblr-3007	409	2	market	market	NOUN
cblr-3007	409	3	shuts	shut	VERB
cblr-3007	409	4	down	down	ADP
cblr-3007	409	5	on	on	ADP
cblr-3007	409	6	both	both	DET
cblr-3007	409	7	sides	side	NOUN
cblr-3007	409	8	.	.	PUNCT
cblr-3007	410	1	the	the	DET
cblr-3007	410	2	only	only	ADJ
cblr-3007	410	3	way	way	NOUN
cblr-3007	410	4	to	to	PART
cblr-3007	410	5	overcome	overcome	VERB
cblr-3007	410	6	this	this	DET
cblr-3007	410	7	problem	problem	NOUN
cblr-3007	410	8	is	be	AUX
cblr-3007	410	9	to	to	PART
cblr-3007	410	10	charge	charge	VERB
cblr-3007	410	11	different	different	ADJ
cblr-3007	410	12	prices	price	NOUN
cblr-3007	410	13	to	to	ADP
cblr-3007	410	14	each	each	DET
cblr-3007	410	15	sex	sex	NOUN
cblr-3007	410	16	based	base	VERB
cblr-3007	410	17	on	on	ADP
cblr-3007	410	18	the	the	DET
cblr-3007	410	19	intensity	intensity	NOUN
cblr-3007	410	20	of	of	ADP
cblr-3007	410	21	their	their	PRON
cblr-3007	410	22	demand	demand	NOUN
cblr-3007	410	23	.	.	PUNCT
cblr-3007	411	1	men	man	NOUN
cblr-3007	411	2	will	will	AUX
cblr-3007	411	3	remain	remain	VERB
cblr-3007	411	4	in	in	ADP
cblr-3007	411	5	the	the	DET
cblr-3007	411	6	market	market	NOUN
cblr-3007	411	7	at	at	ADP
cblr-3007	411	8	the	the	DET
cblr-3007	411	9	higher	high	ADJ
cblr-3007	411	10	price	price	NOUN
cblr-3007	411	11	,	,	PUNCT
cblr-3007	411	12	and	and	CCONJ
cblr-3007	411	13	more	more	ADJ
cblr-3007	411	14	women	woman	NOUN
cblr-3007	411	15	will	will	AUX
cblr-3007	411	16	enter	enter	VERB
cblr-3007	411	17	it	it	PRON
cblr-3007	411	18	at	at	ADP
cblr-3007	411	19	the	the	DET
cblr-3007	411	20	lower	low	ADJ
cblr-3007	411	21	price	price	NOUN
cblr-3007	411	22	,	,	PUNCT
cblr-3007	411	23	thus	thus	ADV
cblr-3007	411	24	reviving	revive	VERB
cblr-3007	411	25	the	the	DET
cblr-3007	411	26	underlying	underlie	VERB
cblr-3007	411	27	market	market	NOUN
cblr-3007	411	28	.	.	PUNCT
cblr-3007	412	1	the	the	DET
cblr-3007	412	2	credit	credit	NOUN
cblr-3007	412	3	card	card	NOUN
cblr-3007	412	4	market	market	NOUN
cblr-3007	412	5	shows	show	VERB
cblr-3007	412	6	the	the	DET
cblr-3007	412	7	same	same	ADJ
cblr-3007	412	8	imbalance	imbalance	NOUN
cblr-3007	412	9	,	,	PUNCT
cblr-3007	412	10	with	with	ADP
cblr-3007	412	11	the	the	DET
cblr-3007	412	12	merchants	merchant	NOUN
cblr-3007	412	13	as	as	ADP
cblr-3007	412	14	the	the	DET
cblr-3007	412	15	eager	eager	ADJ
cblr-3007	412	16	participants	participant	NOUN
cblr-3007	412	17	and	and	CCONJ
cblr-3007	412	18	the	the	DET
cblr-3007	412	19	customers	customer	NOUN
cblr-3007	412	20	as	as	ADP
cblr-3007	412	21	the	the	DET
cblr-3007	412	22	reluctant	reluctant	ADJ
cblr-3007	412	23	ones	one	NOUN
cblr-3007	412	24	.	.	PUNCT
cblr-3007	413	1	we	we	PRON
cblr-3007	413	2	should	should	AUX
cblr-3007	413	3	therefore	therefore	ADV
cblr-3007	413	4	,	,	PUNCT
cblr-3007	413	5	in	in	ADP
cblr-3007	413	6	most	most	ADJ
cblr-3007	413	7	markets	market	NOUN
cblr-3007	413	8	,	,	PUNCT
cblr-3007	413	9	see	see	VERB
cblr-3007	413	10	an	an	DET
cblr-3007	413	11	outcome	outcome	NOUN
cblr-3007	413	12	in	in	ADP
cblr-3007	413	13	which	which	PRON
cblr-3007	413	14	a	a	DET
cblr-3007	413	15	greater	great	ADJ
cblr-3007	413	16	fraction	fraction	NOUN
cblr-3007	413	17	of	of	ADP
cblr-3007	413	18	the	the	DET
cblr-3007	413	19	common	common	ADJ
cblr-3007	413	20	costs	cost	NOUN
cblr-3007	413	21	are	be	AUX
cblr-3007	413	22	borne	bear	VERB
cblr-3007	413	23	by	by	ADP
cblr-3007	413	24	the	the	DET
cblr-3007	413	25	merchants	merchant	NOUN
cblr-3007	413	26	,	,	PUNCT
cblr-3007	413	27	which	which	PRON
cblr-3007	413	28	,	,	PUNCT
cblr-3007	413	29	for	for	ADP
cblr-3007	413	30	open	open	ADJ
cblr-3007	413	31	-	-	PUNCT
cblr-3007	413	32	system	system	NOUN
cblr-3007	413	33	cards	card	NOUN
cblr-3007	413	34	,	,	PUNCT
cblr-3007	413	35	are	be	AUX
cblr-3007	413	36	mediated	mediate	VERB
cblr-3007	413	37	through	through	ADP
cblr-3007	413	38	the	the	DET
cblr-3007	413	39	interchange	interchange	NOUN
cblr-3007	413	40	fee	fee	NOUN
cblr-3007	413	41	and	and	CCONJ
cblr-3007	413	42	,	,	PUNCT
cblr-3007	413	43	for	for	ADP
cblr-3007	413	44	closed	closed	ADJ
cblr-3007	413	45	-	-	PUNCT
cblr-3007	413	46	system	system	NOUN
cblr-3007	413	47	cards	card	NOUN
cblr-3007	413	48	,	,	PUNCT
cblr-3007	413	49	are	be	AUX
cblr-3007	413	50	expressed	express	VERB
cblr-3007	413	51	through	through	ADP
cblr-3007	413	52	a	a	DET
cblr-3007	413	53	lower	low	ADJ
cblr-3007	413	54	reimbursement	reimbursement	NOUN
cblr-3007	413	55	rate	rate	NOUN
cblr-3007	413	56	for	for	ADP
cblr-3007	413	57	merchants	merchant	NOUN
cblr-3007	413	58	.	.	PUNCT
cblr-3007	414	1	the	the	DET
cblr-3007	414	2	rba	rba	NOUN
cblr-3007	414	3	's	's	PART
cblr-3007	414	4	imposition	imposition	NOUN
cblr-3007	414	5	of	of	ADP
cblr-3007	414	6	regulation	regulation	NOUN
cblr-3007	414	7	makes	make	VERB
cblr-3007	414	8	a	a	DET
cblr-3007	414	9	difference	difference	NOUN
cblr-3007	414	10	because	because	SCONJ
cblr-3007	414	11	it	it	PRON
cblr-3007	414	12	leaves	leave	VERB
cblr-3007	414	13	the	the	DET
cblr-3007	414	14	closedsystem	closedsystem	NOUN
cblr-3007	414	15	card	card	NOUN
cblr-3007	414	16	companies	company	NOUN
cblr-3007	414	17	with	with	ADP
cblr-3007	414	18	more	more	ADJ
cblr-3007	414	19	money	money	NOUN
cblr-3007	414	20	"	"	PUNCT
cblr-3007	414	21	in	in	ADP
cblr-3007	414	22	the	the	DET
cblr-3007	414	23	till	till	NOUN
cblr-3007	414	24	"	"	PUNCT
cblr-3007	414	25	to	to	PART
cblr-3007	414	26	recruit	recruit	VERB
cblr-3007	414	27	customers	customer	NOUN
cblr-3007	414	28	to	to	ADP
cblr-3007	414	29	their	their	PRON
cblr-3007	414	30	payment	payment	NOUN
cblr-3007	414	31	systems	system	NOUN
cblr-3007	414	32	.	.	PUNCT
cblr-3007	415	1	since	since	SCONJ
cblr-3007	415	2	these	these	DET
cblr-3007	415	3	closed	closed	ADJ
cblr-3007	415	4	-	-	PUNCT
cblr-3007	415	5	system	system	NOUN
cblr-3007	415	6	cards	card	NOUN
cblr-3007	415	7	specialize	specialize	VERB
cblr-3007	415	8	predominantly	predominantly	ADV
cblr-3007	415	9	in	in	ADP
cblr-3007	415	10	higher	high	ADJ
cblr-3007	415	11	-	-	PUNCT
cblr-3007	415	12	end	end	NOUN
cblr-3007	415	13	customers	customer	NOUN
cblr-3007	415	14	,	,	PUNCT
cblr-3007	415	15	the	the	DET
cblr-3007	415	16	observed	observed	ADJ
cblr-3007	415	17	outcome	outcome	NOUN
cblr-3007	415	18	is	be	AUX
cblr-3007	415	19	predictable	predictable	ADJ
cblr-3007	415	20	-	-	PUNCT
cblr-3007	415	21	a	a	DET
cblr-3007	415	22	larger	large	ADJ
cblr-3007	415	23	proportion	proportion	NOUN
cblr-3007	415	24	of	of	ADP
cblr-3007	415	25	transactions	transaction	NOUN
cblr-3007	415	26	are	be	AUX
cblr-3007	415	27	funneled	funnel	VERB
cblr-3007	415	28	through	through	ADP
cblr-3007	415	29	the	the	DET
cblr-3007	415	30	closedsystem	closedsystem	NOUN
cblr-3007	415	31	cards	card	NOUN
cblr-3007	415	32	,	,	PUNCT
cblr-3007	415	33	representing	represent	VERB
cblr-3007	415	34	a	a	DET
cblr-3007	415	35	still	still	ADV
cblr-3007	415	36	higher	high	ADJ
cblr-3007	415	37	proportion	proportion	NOUN
cblr-3007	415	38	of	of	ADP
cblr-3007	415	39	the	the	DET
cblr-3007	415	40	total	total	ADJ
cblr-3007	415	41	dollar	dollar	NOUN
cblr-3007	415	42	amount	amount	NOUN
cblr-3007	415	43	of	of	ADP
cblr-3007	415	44	credit	credit	NOUN
cblr-3007	415	45	transactions	transaction	NOUN
cblr-3007	415	46	.	.	PUNCT
cblr-3007	416	1	[	[	X
cblr-3007	416	2	vol	vol	NOUN
cblr-3007	416	3	.	.	PUNCT
cblr-3007	416	4	2005	2005	NUM
cblr-3007	416	5	the	the	DET
cblr-3007	416	6	regulation	regulation	NOUN
cblr-3007	416	7	of	of	ADP
cblr-3007	416	8	interchange	interchange	NOUN
cblr-3007	416	9	fees	fee	NOUN
cblr-3007	416	10	3	3	NUM
cblr-3007	416	11	.	.	PUNCT
cblr-3007	416	12	distributional	distributional	ADJ
cblr-3007	416	13	consequences	consequence	NOUN
cblr-3007	416	14	the	the	DET
cblr-3007	416	15	rba	rba	NOUN
cblr-3007	416	16	's	's	PART
cblr-3007	416	17	concern	concern	NOUN
cblr-3007	416	18	with	with	ADP
cblr-3007	416	19	unregulated	unregulated	ADJ
cblr-3007	416	20	interchange	interchange	NOUN
cblr-3007	416	21	fees	fee	NOUN
cblr-3007	416	22	also	also	ADV
cblr-3007	416	23	has	have	VERB
cblr-3007	416	24	an	an	DET
cblr-3007	416	25	important	important	ADJ
cblr-3007	416	26	distributional	distributional	ADJ
cblr-3007	416	27	component	component	NOUN
cblr-3007	416	28	.	.	PUNCT
cblr-3007	417	1	let	let	VERB
cblr-3007	417	2	us	we	PRON
cblr-3007	417	3	suppose	suppose	VERB
cblr-3007	417	4	(	(	PUNCT
cblr-3007	417	5	contrary	contrary	ADJ
cblr-3007	417	6	to	to	PART
cblr-3007	417	7	fact	fact	NOUN
cblr-3007	417	8	,	,	PUNCT
cblr-3007	417	9	i	i	PRON
cblr-3007	417	10	believe	believe	VERB
cblr-3007	417	11	)	)	PUNCT
cblr-3007	417	12	that	that	SCONJ
cblr-3007	417	13	credit	credit	NOUN
cblr-3007	417	14	cards	card	NOUN
cblr-3007	417	15	are	be	AUX
cblr-3007	417	16	a	a	DET
cblr-3007	417	17	less	less	ADV
cblr-3007	417	18	efficient	efficient	ADJ
cblr-3007	417	19	way	way	NOUN
cblr-3007	417	20	of	of	ADP
cblr-3007	417	21	doing	do	VERB
cblr-3007	417	22	business	business	NOUN
cblr-3007	417	23	.	.	PUNCT
cblr-3007	418	1	there	there	PRON
cblr-3007	418	2	is	be	VERB
cblr-3007	418	3	an	an	DET
cblr-3007	418	4	inherent	inherent	ADJ
cblr-3007	418	5	unfairness	unfairness	NOUN
cblr-3007	418	6	in	in	ADP
cblr-3007	418	7	asking	ask	VERB
cblr-3007	418	8	users	user	NOUN
cblr-3007	418	9	of	of	ADP
cblr-3007	418	10	cash	cash	NOUN
cblr-3007	418	11	or	or	CCONJ
cblr-3007	418	12	checks	check	NOUN
cblr-3007	418	13	to	to	PART
cblr-3007	418	14	subsidize	subsidize	VERB
cblr-3007	418	15	the	the	DET
cblr-3007	418	16	use	use	NOUN
cblr-3007	418	17	of	of	ADP
cblr-3007	418	18	these	these	DET
cblr-3007	418	19	instruments	instrument	NOUN
cblr-3007	418	20	.	.	PUNCT
cblr-3007	419	1	thus	thus	ADV
cblr-3007	419	2	,	,	PUNCT
cblr-3007	419	3	the	the	DET
cblr-3007	419	4	critical	critical	ADJ
cblr-3007	419	5	question	question	NOUN
cblr-3007	419	6	is	be	AUX
cblr-3007	419	7	to	to	PART
cblr-3007	419	8	ask	ask	VERB
cblr-3007	419	9	to	to	ADP
cblr-3007	419	10	what	what	DET
cblr-3007	419	11	extent	extent	NOUN
cblr-3007	419	12	,	,	PUNCT
cblr-3007	419	13	even	even	ADV
cblr-3007	419	14	accepting	accept	VERB
cblr-3007	419	15	the	the	DET
cblr-3007	419	16	rba	rba	NOUN
cblr-3007	419	17	's	's	PART
cblr-3007	419	18	basic	basic	ADJ
cblr-3007	419	19	assumptions	assumption	NOUN
cblr-3007	419	20	,	,	PUNCT
cblr-3007	419	21	do	do	AUX
cblr-3007	419	22	these	these	PRON
cblr-3007	419	23	cross	cros	NOUN
cblr-3007	419	24	-	-	NOUN
cblr-3007	419	25	subsidies	subsidy	NOUN
cblr-3007	419	26	actually	actually	ADV
cblr-3007	419	27	exist	exist	VERB
cblr-3007	419	28	?	?	PUNCT
cblr-3007	420	1	the	the	DET
cblr-3007	420	2	answer	answer	NOUN
cblr-3007	420	3	is	be	AUX
cblr-3007	420	4	that	that	SCONJ
cblr-3007	420	5	these	these	DET
cblr-3007	420	6	subsidies	subsidy	NOUN
cblr-3007	420	7	,	,	PUNCT
cblr-3007	420	8	while	while	SCONJ
cblr-3007	420	9	they	they	PRON
cblr-3007	420	10	do	do	AUX
cblr-3007	420	11	exist	exist	VERB
cblr-3007	420	12	,	,	PUNCT
cblr-3007	420	13	tend	tend	VERB
cblr-3007	420	14	to	to	PART
cblr-3007	420	15	be	be	AUX
cblr-3007	420	16	small	small	ADJ
cblr-3007	420	17	.	.	PUNCT
cblr-3007	421	1	the	the	DET
cblr-3007	421	2	distributional	distributional	ADJ
cblr-3007	421	3	point	point	NOUN
cblr-3007	421	4	is	be	AUX
cblr-3007	421	5	usually	usually	ADV
cblr-3007	421	6	framed	frame	VERB
cblr-3007	421	7	to	to	PART
cblr-3007	421	8	say	say	VERB
cblr-3007	421	9	that	that	SCONJ
cblr-3007	421	10	credit	credit	NOUN
cblr-3007	421	11	card	card	NOUN
cblr-3007	421	12	holders	holder	NOUN
cblr-3007	421	13	as	as	ADP
cblr-3007	421	14	a	a	DET
cblr-3007	421	15	class	class	NOUN
cblr-3007	421	16	receive	receive	VERB
cblr-3007	421	17	a	a	DET
cblr-3007	421	18	subsidy	subsidy	NOUN
cblr-3007	421	19	from	from	ADP
cblr-3007	421	20	individuals	individual	NOUN
cblr-3007	421	21	who	who	PRON
cblr-3007	421	22	use	use	VERB
cblr-3007	421	23	cash	cash	NOUN
cblr-3007	421	24	or	or	CCONJ
cblr-3007	421	25	checks	check	NOUN
cblr-3007	421	26	.	.	PUNCT
cblr-3007	422	1	but	but	CCONJ
cblr-3007	422	2	one	one	NUM
cblr-3007	422	3	mistake	mistake	NOUN
cblr-3007	422	4	in	in	ADP
cblr-3007	422	5	framing	frame	VERB
cblr-3007	422	6	the	the	DET
cblr-3007	422	7	point	point	NOUN
cblr-3007	422	8	this	this	DET
cblr-3007	422	9	way	way	NOUN
cblr-3007	422	10	is	be	AUX
cblr-3007	422	11	that	that	SCONJ
cblr-3007	422	12	it	it	PRON
cblr-3007	422	13	assumes	assume	VERB
cblr-3007	422	14	that	that	SCONJ
cblr-3007	422	15	the	the	DET
cblr-3007	422	16	various	various	ADJ
cblr-3007	422	17	users	user	NOUN
cblr-3007	422	18	fall	fall	VERB
cblr-3007	422	19	into	into	ADP
cblr-3007	422	20	discrete	discrete	ADJ
cblr-3007	422	21	categories	category	NOUN
cblr-3007	422	22	without	without	ADP
cblr-3007	422	23	overlap	overlap	NOUN
cblr-3007	422	24	in	in	ADP
cblr-3007	422	25	class	class	NOUN
cblr-3007	422	26	membership	membership	NOUN
cblr-3007	422	27	.	.	PUNCT
cblr-3007	423	1	this	this	DET
cblr-3007	423	2	assumption	assumption	NOUN
cblr-3007	423	3	is	be	AUX
cblr-3007	423	4	most	most	ADV
cblr-3007	423	5	decidedly	decidedly	ADV
cblr-3007	423	6	not	not	PART
cblr-3007	423	7	valid	valid	ADJ
cblr-3007	423	8	.	.	PUNCT
cblr-3007	424	1	most	most	ADJ
cblr-3007	424	2	people	people	NOUN
cblr-3007	424	3	use	use	VERB
cblr-3007	424	4	all	all	DET
cblr-3007	424	5	three	three	NUM
cblr-3007	424	6	systems	system	NOUN
cblr-3007	424	7	of	of	ADP
cblr-3007	424	8	payment	payment	NOUN
cblr-3007	424	9	in	in	ADP
cblr-3007	424	10	different	different	ADJ
cblr-3007	424	11	proportions	proportion	NOUN
cblr-3007	424	12	and	and	CCONJ
cblr-3007	424	13	,	,	PUNCT
cblr-3007	424	14	hence	hence	ADV
cblr-3007	424	15	,	,	PUNCT
cblr-3007	424	16	appear	appear	VERB
cblr-3007	424	17	on	on	ADP
cblr-3007	424	18	both	both	DET
cblr-3007	424	19	sides	side	NOUN
cblr-3007	424	20	of	of	ADP
cblr-3007	424	21	this	this	DET
cblr-3007	424	22	imaginary	imaginary	ADJ
cblr-3007	424	23	line	line	NOUN
cblr-3007	424	24	.	.	PUNCT
cblr-3007	425	1	assume	assume	VERB
cblr-3007	425	2	,	,	PUNCT
cblr-3007	425	3	in	in	ADP
cblr-3007	425	4	the	the	DET
cblr-3007	425	5	limit	limit	NOUN
cblr-3007	425	6	,	,	PUNCT
cblr-3007	425	7	that	that	SCONJ
cblr-3007	425	8	all	all	DET
cblr-3007	425	9	persons	person	NOUN
cblr-3007	425	10	,	,	PUNCT
cblr-3007	425	11	regardless	regardless	ADV
cblr-3007	425	12	of	of	ADP
cblr-3007	425	13	economic	economic	ADJ
cblr-3007	425	14	status	status	NOUN
cblr-3007	425	15	or	or	CCONJ
cblr-3007	425	16	consumption	consumption	NOUN
cblr-3007	425	17	patterns	pattern	NOUN
cblr-3007	425	18	,	,	PUNCT
cblr-3007	425	19	used	use	VERB
cblr-3007	425	20	the	the	DET
cblr-3007	425	21	six	six	NUM
cblr-3007	425	22	common	common	ADJ
cblr-3007	425	23	payment	payment	NOUN
cblr-3007	425	24	systems	system	NOUN
cblr-3007	425	25	-	-	PUNCT
cblr-3007	425	26	cash	cash	NOUN
cblr-3007	425	27	,	,	PUNCT
cblr-3007	425	28	check	check	NOUN
cblr-3007	425	29	,	,	PUNCT
cblr-3007	425	30	debit	debit	NOUN
cblr-3007	425	31	,	,	PUNCT
cblr-3007	425	32	charge	charge	NOUN
cblr-3007	425	33	,	,	PUNCT
cblr-3007	425	34	and	and	CCONJ
cblr-3007	425	35	the	the	DET
cblr-3007	425	36	two	two	NUM
cblr-3007	425	37	kinds	kind	NOUN
cblr-3007	425	38	of	of	ADP
cblr-3007	425	39	credit	credit	NOUN
cblr-3007	425	40	-	-	PUNCT
cblr-3007	425	41	in	in	ADP
cblr-3007	425	42	identical	identical	ADJ
cblr-3007	425	43	proportions	proportion	NOUN
cblr-3007	425	44	.	.	PUNCT
cblr-3007	426	1	no	no	DET
cblr-3007	426	2	one	one	NUM
cblr-3007	426	3	person	person	NOUN
cblr-3007	426	4	would	would	AUX
cblr-3007	426	5	receive	receive	VERB
cblr-3007	426	6	a	a	DET
cblr-3007	426	7	subsidy	subsidy	NOUN
cblr-3007	426	8	from	from	ADP
cblr-3007	426	9	any	any	DET
cblr-3007	426	10	other	other	ADJ
cblr-3007	426	11	person	person	NOUN
cblr-3007	426	12	.	.	PUNCT
cblr-3007	427	1	each	each	PRON
cblr-3007	427	2	would	would	AUX
cblr-3007	427	3	benefit	benefit	VERB
cblr-3007	427	4	in	in	ADP
cblr-3007	427	5	his	his	PRON
cblr-3007	427	6	or	or	CCONJ
cblr-3007	427	7	her	her	PRON
cblr-3007	427	8	role	role	NOUN
cblr-3007	427	9	as	as	ADP
cblr-3007	427	10	a	a	DET
cblr-3007	427	11	subsidized	subsidized	ADJ
cblr-3007	427	12	person	person	NOUN
cblr-3007	427	13	,	,	PUNCT
cblr-3007	427	14	while	while	SCONJ
cblr-3007	427	15	each	each	PRON
cblr-3007	427	16	would	would	AUX
cblr-3007	427	17	also	also	ADV
cblr-3007	427	18	be	be	AUX
cblr-3007	427	19	harmed	harm	VERB
cblr-3007	427	20	in	in	ADP
cblr-3007	427	21	the	the	DET
cblr-3007	427	22	role	role	NOUN
cblr-3007	427	23	of	of	ADP
cblr-3007	427	24	a	a	DET
cblr-3007	427	25	subsidizing	subsidize	VERB
cblr-3007	427	26	person	person	NOUN
cblr-3007	427	27	,	,	PUNCT
cblr-3007	427	28	but	but	CCONJ
cblr-3007	427	29	always	always	ADV
cblr-3007	427	30	in	in	ADP
cblr-3007	427	31	the	the	DET
cblr-3007	427	32	same	same	ADJ
cblr-3007	427	33	proportion	proportion	NOUN
cblr-3007	427	34	.	.	PUNCT
cblr-3007	428	1	in	in	ADP
cblr-3007	428	2	this	this	DET
cblr-3007	428	3	situation	situation	NOUN
cblr-3007	428	4	,	,	PUNCT
cblr-3007	428	5	the	the	DET
cblr-3007	428	6	only	only	ADJ
cblr-3007	428	7	concerns	concern	NOUN
cblr-3007	428	8	hearken	hearken	VERB
cblr-3007	428	9	back	back	ADV
cblr-3007	428	10	to	to	ADP
cblr-3007	428	11	the	the	DET
cblr-3007	428	12	efficiency	efficiency	NOUN
cblr-3007	428	13	question	question	NOUN
cblr-3007	428	14	.	.	PUNCT
cblr-3007	429	1	if	if	SCONJ
cblr-3007	429	2	the	the	DET
cblr-3007	429	3	systems	system	NOUN
cblr-3007	429	4	are	be	AUX
cblr-3007	429	5	mispriced	misprice	VERB
cblr-3007	429	6	relative	relative	ADJ
cblr-3007	429	7	to	to	ADP
cblr-3007	429	8	each	each	DET
cblr-3007	429	9	other	other	ADJ
cblr-3007	429	10	,	,	PUNCT
cblr-3007	429	11	then	then	ADV
cblr-3007	429	12	some	some	DET
cblr-3007	429	13	systems	system	NOUN
cblr-3007	429	14	will	will	AUX
cblr-3007	429	15	be	be	AUX
cblr-3007	429	16	overconsumed	overconsume	VERB
cblr-3007	429	17	and	and	CCONJ
cblr-3007	429	18	everyone	everyone	PRON
cblr-3007	429	19	would	would	AUX
cblr-3007	429	20	benefit	benefit	VERB
cblr-3007	429	21	from	from	ADP
cblr-3007	429	22	a	a	DET
cblr-3007	429	23	shift	shift	NOUN
cblr-3007	429	24	in	in	ADP
cblr-3007	429	25	prices	price	NOUN
cblr-3007	429	26	that	that	PRON
cblr-3007	429	27	captured	capture	VERB
cblr-3007	429	28	the	the	DET
cblr-3007	429	29	relevant	relevant	ADJ
cblr-3007	429	30	cost	cost	NOUN
cblr-3007	429	31	variables	variable	NOUN
cblr-3007	429	32	.	.	PUNCT
cblr-3007	430	1	the	the	DET
cblr-3007	430	2	actual	actual	ADJ
cblr-3007	430	3	situation	situation	NOUN
cblr-3007	430	4	on	on	ADP
cblr-3007	430	5	the	the	DET
cblr-3007	430	6	ground	ground	NOUN
cblr-3007	430	7	is	be	AUX
cblr-3007	430	8	,	,	PUNCT
cblr-3007	430	9	of	of	ADP
cblr-3007	430	10	course	course	NOUN
cblr-3007	430	11	,	,	PUNCT
cblr-3007	430	12	more	more	ADV
cblr-3007	430	13	muddied	muddied	ADJ
cblr-3007	430	14	.	.	PUNCT
cblr-3007	431	1	there	there	PRON
cblr-3007	431	2	are	be	VERB
cblr-3007	431	3	some	some	DET
cblr-3007	431	4	people	people	NOUN
cblr-3007	431	5	who	who	PRON
cblr-3007	431	6	do	do	AUX
cblr-3007	431	7	not	not	PART
cblr-3007	431	8	use	use	VERB
cblr-3007	431	9	credit	credit	NOUN
cblr-3007	431	10	cards	card	NOUN
cblr-3007	431	11	and	and	CCONJ
cblr-3007	431	12	still	still	ADV
cblr-3007	431	13	others	other	NOUN
cblr-3007	431	14	who	who	PRON
cblr-3007	431	15	use	use	VERB
cblr-3007	431	16	them	they	PRON
cblr-3007	431	17	in	in	ADP
cblr-3007	431	18	greater	great	ADJ
cblr-3007	431	19	or	or	CCONJ
cblr-3007	431	20	lesser	less	ADJ
cblr-3007	431	21	proportions	proportion	NOUN
cblr-3007	431	22	.	.	PUNCT
cblr-3007	432	1	it	it	PRON
cblr-3007	432	2	seems	seem	VERB
cblr-3007	432	3	that	that	SCONJ
cblr-3007	432	4	people	people	NOUN
cblr-3007	432	5	with	with	ADP
cblr-3007	432	6	both	both	DET
cblr-3007	432	7	credit	credit	NOUN
cblr-3007	432	8	and	and	CCONJ
cblr-3007	432	9	debit	debit	NOUN
cblr-3007	432	10	cards	card	NOUN
cblr-3007	432	11	tend	tend	VERB
cblr-3007	432	12	to	to	PART
cblr-3007	432	13	favor	favor	VERB
cblr-3007	432	14	one	one	NUM
cblr-3007	432	15	over	over	ADP
cblr-3007	432	16	the	the	DET
cblr-3007	432	17	other	other	ADJ
cblr-3007	432	18	.	.	PUNCT
cblr-3007	433	1	accordingly	accordingly	ADV
cblr-3007	433	2	,	,	PUNCT
cblr-3007	433	3	it	it	PRON
cblr-3007	433	4	would	would	AUX
cblr-3007	433	5	be	be	AUX
cblr-3007	433	6	necessary	necessary	ADJ
cblr-3007	433	7	to	to	PART
cblr-3007	433	8	figure	figure	VERB
cblr-3007	433	9	out	out	ADP
cblr-3007	433	10	the	the	DET
cblr-3007	433	11	transfer	transfer	NOUN
cblr-3007	433	12	payments	payment	NOUN
cblr-3007	433	13	that	that	PRON
cblr-3007	433	14	some	some	DET
cblr-3007	433	15	consumers	consumer	NOUN
cblr-3007	433	16	on	on	ADP
cblr-3007	433	17	balance	balance	NOUN
cblr-3007	433	18	receive	receive	VERB
cblr-3007	433	19	from	from	ADP
cblr-3007	433	20	others	other	NOUN
cblr-3007	433	21	.	.	PUNCT
cblr-3007	434	1	but	but	CCONJ
cblr-3007	434	2	the	the	DET
cblr-3007	434	3	net	net	ADJ
cblr-3007	434	4	size	size	NOUN
cblr-3007	434	5	of	of	ADP
cblr-3007	434	6	those	those	DET
cblr-3007	434	7	transfers	transfer	NOUN
cblr-3007	434	8	among	among	ADP
cblr-3007	434	9	consumers	consumer	NOUN
cblr-3007	434	10	has	have	VERB
cblr-3007	434	11	to	to	PART
cblr-3007	434	12	be	be	AUX
cblr-3007	434	13	decidedly	decidedly	ADV
cblr-3007	434	14	no	no	ADJ
cblr-3007	434	15	.	.	PUNCT
cblr-3007	435	1	3:551	3:551	NUM
cblr-3007	435	2	]	]	X
cblr-3007	435	3	columbia	columbia	PROPN
cblr-3007	435	4	business	business	PROPN
cblr-3007	435	5	la	la	PROPN
cblr-3007	435	6	w	w	PROPN
cblr-3007	435	7	review	review	NOUN
cblr-3007	435	8	smaller	small	ADJ
cblr-3007	435	9	than	than	ADP
cblr-3007	435	10	any	any	DET
cblr-3007	435	11	reduction	reduction	NOUN
cblr-3007	435	12	in	in	ADP
cblr-3007	435	13	the	the	DET
cblr-3007	435	14	collection	collection	NOUN
cblr-3007	435	15	of	of	ADP
cblr-3007	435	16	fees	fee	NOUN
cblr-3007	435	17	,	,	PUNCT
cblr-3007	435	18	and	and	CCONJ
cblr-3007	435	19	,	,	PUNCT
cblr-3007	435	20	certainly	certainly	ADV
cblr-3007	435	21	as	as	ADP
cblr-3007	435	22	between	between	ADP
cblr-3007	435	23	credit	credit	NOUN
cblr-3007	435	24	and	and	CCONJ
cblr-3007	435	25	debit	debit	NOUN
cblr-3007	435	26	,	,	PUNCT
cblr-3007	435	27	many	many	ADJ
cblr-3007	435	28	consumers	consumer	NOUN
cblr-3007	435	29	have	have	VERB
cblr-3007	435	30	the	the	DET
cblr-3007	435	31	easy	easy	ADJ
cblr-3007	435	32	option	option	NOUN
cblr-3007	435	33	to	to	PART
cblr-3007	435	34	shift	shift	VERB
cblr-3007	435	35	,	,	PUNCT
cblr-3007	435	36	at	at	ADP
cblr-3007	435	37	least	least	ADJ
cblr-3007	435	38	in	in	ADP
cblr-3007	435	39	part	part	NOUN
cblr-3007	435	40	,	,	PUNCT
cblr-3007	435	41	to	to	ADP
cblr-3007	435	42	their	their	PRON
cblr-3007	435	43	favored	favor	VERB
cblr-3007	435	44	system	system	NOUN
cblr-3007	435	45	.	.	PUNCT
cblr-3007	436	1	thus	thus	ADV
cblr-3007	436	2	,	,	PUNCT
cblr-3007	436	3	the	the	DET
cblr-3007	436	4	most	most	ADV
cblr-3007	436	5	recent	recent	ADJ
cblr-3007	436	6	testimony	testimony	NOUN
cblr-3007	436	7	from	from	ADP
cblr-3007	436	8	governor	governor	NOUN
cblr-3007	436	9	macfarlane	macfarlane	PROPN
cblr-3007	436	10	calculates	calculate	VERB
cblr-3007	436	11	the	the	DET
cblr-3007	436	12	annual	annual	ADJ
cblr-3007	436	13	savings	saving	NOUN
cblr-3007	436	14	to	to	ADP
cblr-3007	436	15	non	non	NOUN
cblr-3007	436	16	-	-	NOUN
cblr-3007	436	17	cardholders	cardholder	NOUN
cblr-3007	436	18	from	from	ADP
cblr-3007	436	19	capping	cap	VERB
cblr-3007	436	20	interchange	interchange	NOUN
cblr-3007	436	21	fees	fee	NOUN
cblr-3007	436	22	at	at	ADP
cblr-3007	436	23	$	$	SYM
cblr-3007	436	24	580	580	NUM
cblr-3007	436	25	million	million	NUM
cblr-3007	436	26	.	.	PUNCT
cblr-3007	437	1	2	2	NUM
cblr-3007	438	1	but	but	CCONJ
cblr-3007	438	2	of	of	ADP
cblr-3007	438	3	course	course	NOUN
cblr-3007	438	4	much	much	ADJ
cblr-3007	438	5	of	of	ADP
cblr-3007	438	6	the	the	DET
cblr-3007	438	7	wealth	wealth	NOUN
cblr-3007	438	8	is	be	AUX
cblr-3007	438	9	simply	simply	ADV
cblr-3007	438	10	a	a	DET
cblr-3007	438	11	transfer	transfer	NOUN
cblr-3007	438	12	from	from	ADP
cblr-3007	438	13	one	one	NUM
cblr-3007	438	14	pocket	pocket	NOUN
cblr-3007	438	15	to	to	ADP
cblr-3007	438	16	another	another	PRON
cblr-3007	438	17	among	among	ADP
cblr-3007	438	18	persons	person	NOUN
cblr-3007	438	19	who	who	PRON
cblr-3007	438	20	use	use	VERB
cblr-3007	438	21	all	all	PRON
cblr-3007	438	22	of	of	ADP
cblr-3007	438	23	the	the	DET
cblr-3007	438	24	different	different	ADJ
cblr-3007	438	25	types	type	NOUN
cblr-3007	438	26	of	of	ADP
cblr-3007	438	27	payment	payment	NOUN
cblr-3007	438	28	systems	system	NOUN
cblr-3007	438	29	simultaneously	simultaneously	ADV
cblr-3007	438	30	.	.	PUNCT
cblr-3007	439	1	we	we	PRON
cblr-3007	439	2	know	know	VERB
cblr-3007	439	3	that	that	SCONJ
cblr-3007	439	4	in	in	ADP
cblr-3007	439	5	australia	australia	PROPN
cblr-3007	439	6	,	,	PUNCT
cblr-3007	439	7	consumers	consumer	NOUN
cblr-3007	439	8	use	use	VERB
cblr-3007	439	9	the	the	DET
cblr-3007	439	10	various	various	ADJ
cblr-3007	439	11	instruments	instrument	NOUN
cblr-3007	439	12	-	-	PUNCT
cblr-3007	439	13	cash	cash	NOUN
cblr-3007	439	14	,	,	PUNCT
cblr-3007	439	15	check	check	NOUN
cblr-3007	439	16	,	,	PUNCT
cblr-3007	439	17	credit	credit	NOUN
cblr-3007	439	18	card	card	NOUN
cblr-3007	439	19	,	,	PUNCT
cblr-3007	439	20	and	and	CCONJ
cblr-3007	439	21	debit	debit	VERB
cblr-3007	439	22	card	card	NOUN
cblr-3007	439	23	-	-	PUNCT
cblr-3007	439	24	in	in	ADP
cblr-3007	439	25	roughly	roughly	ADV
cblr-3007	439	26	equal	equal	ADJ
cblr-3007	439	27	proportions	proportion	NOUN
cblr-3007	439	28	.	.	PUNCT
cblr-3007	440	1	allowing	allow	VERB
cblr-3007	440	2	for	for	ADP
cblr-3007	440	3	differential	differential	ADJ
cblr-3007	440	4	spending	spending	NOUN
cblr-3007	440	5	patterns	pattern	NOUN
cblr-3007	440	6	,	,	PUNCT
cblr-3007	440	7	it	it	PRON
cblr-3007	440	8	seems	seem	VERB
cblr-3007	440	9	unlikely	unlikely	ADJ
cblr-3007	440	10	that	that	SCONJ
cblr-3007	440	11	even	even	ADV
cblr-3007	440	12	half	half	NOUN
cblr-3007	440	13	of	of	ADP
cblr-3007	440	14	the	the	DET
cblr-3007	440	15	purported	purport	VERB
cblr-3007	440	16	savings	saving	NOUN
cblr-3007	440	17	represent	represent	VERB
cblr-3007	440	18	net	net	ADJ
cblr-3007	440	19	transfers	transfer	NOUN
cblr-3007	440	20	to	to	ADP
cblr-3007	440	21	persons	person	NOUN
cblr-3007	440	22	who	who	PRON
cblr-3007	440	23	predominantly	predominantly	ADV
cblr-3007	440	24	utilize	utilize	VERB
cblr-3007	440	25	debit	debit	NOUN
cblr-3007	440	26	instruments.3	instruments.3	NOUN
cblr-3007	440	27	there	there	PRON
cblr-3007	440	28	is	be	VERB
cblr-3007	440	29	one	one	NUM
cblr-3007	440	30	final	final	ADJ
cblr-3007	440	31	irony	irony	NOUN
cblr-3007	440	32	in	in	ADP
cblr-3007	440	33	this	this	DET
cblr-3007	440	34	argument	argument	NOUN
cblr-3007	440	35	concerning	concern	VERB
cblr-3007	440	36	the	the	DET
cblr-3007	440	37	extent	extent	NOUN
cblr-3007	440	38	of	of	ADP
cblr-3007	440	39	transfers	transfer	NOUN
cblr-3007	440	40	:	:	PUNCT
cblr-3007	440	41	there	there	PRON
cblr-3007	440	42	are	be	VERB
cblr-3007	440	43	two	two	NUM
cblr-3007	440	44	ways	way	NOUN
cblr-3007	440	45	in	in	ADP
cblr-3007	440	46	which	which	PRON
cblr-3007	440	47	the	the	DET
cblr-3007	440	48	rba	rba	NOUN
cblr-3007	440	49	could	could	AUX
cblr-3007	440	50	eliminate	eliminate	VERB
cblr-3007	440	51	the	the	DET
cblr-3007	440	52	ostensible	ostensible	ADJ
cblr-3007	440	53	transfer	transfer	NOUN
cblr-3007	440	54	payments	payment	NOUN
cblr-3007	440	55	.	.	PUNCT
cblr-3007	441	1	one	one	NUM
cblr-3007	441	2	option	option	NOUN
cblr-3007	441	3	,	,	PUNCT
cblr-3007	441	4	which	which	PRON
cblr-3007	441	5	is	be	AUX
cblr-3007	441	6	the	the	DET
cblr-3007	441	7	rba	rba	NOUN
cblr-3007	441	8	's	's	PART
cblr-3007	441	9	dominant	dominant	ADJ
cblr-3007	441	10	strategy	strategy	NOUN
cblr-3007	441	11	,	,	PUNCT
cblr-3007	441	12	would	would	AUX
cblr-3007	441	13	be	be	AUX
cblr-3007	441	14	to	to	PART
cblr-3007	441	15	crack	crack	VERB
cblr-3007	441	16	down	down	ADP
cblr-3007	441	17	on	on	ADP
cblr-3007	441	18	the	the	DET
cblr-3007	441	19	use	use	NOUN
cblr-3007	441	20	of	of	ADP
cblr-3007	441	21	credit	credit	NOUN
cblr-3007	441	22	cards	card	NOUN
cblr-3007	441	23	.	.	PUNCT
cblr-3007	442	1	a	a	DET
cblr-3007	442	2	more	more	ADV
cblr-3007	442	3	sensible	sensible	ADJ
cblr-3007	442	4	way	way	NOUN
cblr-3007	442	5	to	to	PART
cblr-3007	442	6	achieve	achieve	VERB
cblr-3007	442	7	this	this	DET
cblr-3007	442	8	result	result	NOUN
cblr-3007	442	9	,	,	PUNCT
cblr-3007	442	10	however	however	ADV
cblr-3007	442	11	,	,	PUNCT
cblr-3007	442	12	would	would	AUX
cblr-3007	442	13	be	be	AUX
cblr-3007	442	14	to	to	PART
cblr-3007	442	15	allow	allow	VERB
cblr-3007	442	16	market	market	NOUN
cblr-3007	442	17	forces	force	NOUN
cblr-3007	442	18	to	to	PART
cblr-3007	442	19	expand	expand	VERB
cblr-3007	442	20	the	the	DET
cblr-3007	442	21	use	use	NOUN
cblr-3007	442	22	of	of	ADP
cblr-3007	442	23	credit	credit	NOUN
cblr-3007	442	24	cards	card	NOUN
cblr-3007	442	25	,	,	PUNCT
cblr-3007	442	26	so	so	SCONJ
cblr-3007	442	27	that	that	SCONJ
cblr-3007	442	28	fewer	few	ADJ
cblr-3007	442	29	transactions	transaction	NOUN
cblr-3007	442	30	would	would	AUX
cblr-3007	442	31	run	run	VERB
cblr-3007	442	32	through	through	ADP
cblr-3007	442	33	cash	cash	NOUN
cblr-3007	442	34	and	and	CCONJ
cblr-3007	442	35	checks	check	NOUN
cblr-3007	442	36	.	.	PUNCT
cblr-3007	443	1	if	if	SCONJ
cblr-3007	443	2	that	that	DET
cblr-3007	443	3	route	route	NOUN
cblr-3007	443	4	were	be	AUX
cblr-3007	443	5	taken	take	VERB
cblr-3007	443	6	,	,	PUNCT
cblr-3007	443	7	the	the	DET
cblr-3007	443	8	extent	extent	NOUN
cblr-3007	443	9	of	of	ADP
cblr-3007	443	10	the	the	DET
cblr-3007	443	11	transfer	transfer	NOUN
cblr-3007	443	12	would	would	AUX
cblr-3007	443	13	necessarily	necessarily	ADV
cblr-3007	443	14	shrink	shrink	VERB
cblr-3007	443	15	as	as	SCONJ
cblr-3007	443	16	the	the	DET
cblr-3007	443	17	percentage	percentage	NOUN
cblr-3007	443	18	of	of	ADP
cblr-3007	443	19	credit	credit	NOUN
cblr-3007	443	20	card	card	NOUN
cblr-3007	443	21	payments	payment	NOUN
cblr-3007	443	22	rose	rise	VERB
cblr-3007	443	23	.	.	PUNCT
cblr-3007	444	1	ironically	ironically	ADV
cblr-3007	444	2	,	,	PUNCT
cblr-3007	444	3	if	if	SCONJ
cblr-3007	444	4	all	all	DET
cblr-3007	444	5	transactions	transaction	NOUN
cblr-3007	444	6	took	take	VERB
cblr-3007	444	7	place	place	NOUN
cblr-3007	444	8	via	via	ADP
cblr-3007	444	9	credit	credit	NOUN
cblr-3007	444	10	cards	card	NOUN
cblr-3007	444	11	,	,	PUNCT
cblr-3007	444	12	then	then	ADV
cblr-3007	444	13	interchange	interchange	NOUN
cblr-3007	444	14	fees	fee	NOUN
cblr-3007	444	15	could	could	AUX
cblr-3007	444	16	not	not	PART
cblr-3007	444	17	possibly	possibly	ADV
cblr-3007	444	18	contain	contain	VERB
cblr-3007	444	19	an	an	DET
cblr-3007	444	20	element	element	NOUN
cblr-3007	444	21	of	of	ADP
cblr-3007	444	22	cross	cross	NOUN
cblr-3007	444	23	-	-	ADJ
cblr-3007	444	24	subsidy	subsidy	ADJ
cblr-3007	444	25	.	.	PUNCT
cblr-3007	445	1	in	in	ADP
cblr-3007	445	2	light	light	NOUN
cblr-3007	445	3	of	of	ADP
cblr-3007	445	4	these	these	DET
cblr-3007	445	5	considerations	consideration	NOUN
cblr-3007	445	6	,	,	PUNCT
cblr-3007	445	7	it	it	PRON
cblr-3007	445	8	may	may	AUX
cblr-3007	445	9	well	well	ADV
cblr-3007	445	10	be	be	AUX
cblr-3007	445	11	that	that	SCONJ
cblr-3007	445	12	the	the	DET
cblr-3007	445	13	public	public	ADJ
cblr-3007	445	14	systems	system	NOUN
cblr-3007	445	15	of	of	ADP
cblr-3007	445	16	cash	cash	NOUN
cblr-3007	445	17	and	and	CCONJ
cblr-3007	445	18	checks	check	NOUN
cblr-3007	445	19	are	be	AUX
cblr-3007	445	20	inferior	inferior	ADJ
cblr-3007	445	21	technologies	technology	NOUN
cblr-3007	445	22	propped	prop	VERB
cblr-3007	445	23	up	up	ADP
cblr-3007	445	24	by	by	ADP
cblr-3007	445	25	the	the	DET
cblr-3007	445	26	imposition	imposition	NOUN
cblr-3007	445	27	of	of	ADP
cblr-3007	445	28	the	the	DET
cblr-3007	445	29	rba	rba	NOUN
cblr-3007	445	30	's	's	PART
cblr-3007	445	31	interchange	interchange	NOUN
cblr-3007	445	32	rules	rule	NOUN
cblr-3007	445	33	.	.	PUNCT
cblr-3007	446	1	32	32	NUM
cblr-3007	446	2	macfarlane	macfarlane	NOUN
cblr-3007	446	3	testimony	testimony	NOUN
cblr-3007	446	4	,	,	PUNCT
cblr-3007	446	5	supra	supra	PROPN
cblr-3007	446	6	note	note	NOUN
cblr-3007	446	7	7	7	NUM
cblr-3007	446	8	,	,	PUNCT
cblr-3007	446	9	at	at	ADP
cblr-3007	446	10	29	29	NUM
cblr-3007	446	11	-	-	SYM
cblr-3007	446	12	32	32	NUM
cblr-3007	446	13	.	.	PUNCT
cblr-3007	446	14	"	"	PUNCT
cblr-3007	447	1	although	although	SCONJ
cblr-3007	447	2	the	the	DET
cblr-3007	447	3	calculations	calculation	NOUN
cblr-3007	447	4	would	would	AUX
cblr-3007	447	5	be	be	AUX
cblr-3007	447	6	difficult	difficult	ADJ
cblr-3007	447	7	,	,	PUNCT
cblr-3007	447	8	it	it	PRON
cblr-3007	447	9	seems	seem	VERB
cblr-3007	447	10	likely	likely	ADJ
cblr-3007	447	11	that	that	SCONJ
cblr-3007	447	12	most	most	ADJ
cblr-3007	447	13	people	people	NOUN
cblr-3007	447	14	who	who	PRON
cblr-3007	447	15	record	record	VERB
cblr-3007	447	16	the	the	DET
cblr-3007	447	17	greatest	great	ADJ
cblr-3007	447	18	dollar	dollar	NOUN
cblr-3007	447	19	volume	volume	NOUN
cblr-3007	447	20	on	on	ADP
cblr-3007	447	21	credit	credit	NOUN
cblr-3007	447	22	cards	card	NOUN
cblr-3007	447	23	also	also	ADV
cblr-3007	447	24	make	make	VERB
cblr-3007	447	25	extensive	extensive	ADJ
cblr-3007	447	26	use	use	NOUN
cblr-3007	447	27	of	of	ADP
cblr-3007	447	28	other	other	ADJ
cblr-3007	447	29	payment	payment	NOUN
cblr-3007	447	30	systems	system	NOUN
cblr-3007	447	31	.	.	PUNCT
cblr-3007	448	1	for	for	ADP
cblr-3007	448	2	these	these	DET
cblr-3007	448	3	people	people	NOUN
cblr-3007	448	4	,	,	PUNCT
cblr-3007	448	5	redistribution	redistribution	NOUN
cblr-3007	448	6	is	be	AUX
cblr-3007	448	7	merely	merely	ADV
cblr-3007	448	8	from	from	ADP
cblr-3007	448	9	one	one	NUM
cblr-3007	448	10	pocket	pocket	NOUN
cblr-3007	448	11	to	to	ADP
cblr-3007	448	12	another	another	PRON
cblr-3007	448	13	.	.	PUNCT
cblr-3007	449	1	in	in	ADP
cblr-3007	449	2	contrast	contrast	NOUN
cblr-3007	449	3	,	,	PUNCT
cblr-3007	449	4	the	the	DET
cblr-3007	449	5	gain	gain	NOUN
cblr-3007	449	6	to	to	ADP
cblr-3007	449	7	those	those	DET
cblr-3007	449	8	consumers	consumer	NOUN
cblr-3007	449	9	who	who	PRON
cblr-3007	449	10	do	do	AUX
cblr-3007	449	11	not	not	PART
cblr-3007	449	12	use	use	VERB
cblr-3007	449	13	credit	credit	NOUN
cblr-3007	449	14	cards	card	NOUN
cblr-3007	449	15	,	,	PUNCT
cblr-3007	449	16	or	or	CCONJ
cblr-3007	449	17	use	use	VERB
cblr-3007	449	18	them	they	PRON
cblr-3007	449	19	sparingly	sparingly	ADV
cblr-3007	449	20	,	,	PUNCT
cblr-3007	449	21	is	be	AUX
cblr-3007	449	22	likely	likely	ADJ
cblr-3007	449	23	to	to	PART
cblr-3007	449	24	be	be	AUX
cblr-3007	449	25	small	small	ADJ
cblr-3007	449	26	.	.	PUNCT
cblr-3007	450	1	[	[	X
cblr-3007	450	2	vol	vol	NOUN
cblr-3007	450	3	.	.	PUNCT
cblr-3007	450	4	2005	2005	NUM
cblr-3007	451	1	these	these	DET
cblr-3007	451	2	criticisms	criticism	NOUN
cblr-3007	451	3	do	do	AUX
cblr-3007	451	4	not	not	PART
cblr-3007	451	5	,	,	PUNCT
cblr-3007	451	6	of	of	ADP
cblr-3007	451	7	course	course	NOUN
cblr-3007	451	8	,	,	PUNCT
cblr-3007	451	9	apply	apply	VERB
cblr-3007	451	10	with	with	ADP
cblr-3007	451	11	respect	respect	NOUN
cblr-3007	451	12	to	to	PART
cblr-3007	451	13	debit	debit	NOUN
cblr-3007	451	14	card	card	NOUN
cblr-3007	451	15	systems	system	NOUN
cblr-3007	451	16	,	,	PUNCT
cblr-3007	451	17	which	which	PRON
cblr-3007	451	18	share	share	VERB
cblr-3007	451	19	many	many	ADJ
cblr-3007	451	20	of	of	ADP
cblr-3007	451	21	the	the	DET
cblr-3007	451	22	efficiency	efficiency	NOUN
cblr-3007	451	23	features	feature	NOUN
cblr-3007	451	24	of	of	ADP
cblr-3007	451	25	credit	credit	NOUN
cblr-3007	451	26	card	card	NOUN
cblr-3007	451	27	systems	system	NOUN
cblr-3007	451	28	,	,	PUNCT
cblr-3007	451	29	but	but	CCONJ
cblr-3007	451	30	are	be	AUX
cblr-3007	451	31	cheaper	cheap	ADJ
cblr-3007	451	32	to	to	PART
cblr-3007	451	33	operate	operate	VERB
cblr-3007	451	34	precisely	precisely	ADV
cblr-3007	451	35	because	because	SCONJ
cblr-3007	451	36	they	they	PRON
cblr-3007	451	37	do	do	AUX
cblr-3007	451	38	not	not	PART
cblr-3007	451	39	have	have	VERB
cblr-3007	451	40	to	to	PART
cblr-3007	451	41	quantify	quantify	VERB
cblr-3007	451	42	or	or	CCONJ
cblr-3007	451	43	respond	respond	VERB
cblr-3007	451	44	to	to	ADP
cblr-3007	451	45	credit	credit	NOUN
cblr-3007	451	46	risk	risk	NOUN
cblr-3007	451	47	.	.	PUNCT
cblr-3007	452	1	indeed	indeed	ADV
cblr-3007	452	2	,	,	PUNCT
cblr-3007	452	3	debit	debit	VERB
cblr-3007	452	4	cards	card	NOUN
cblr-3007	452	5	often	often	ADV
cblr-3007	452	6	have	have	AUX
cblr-3007	452	7	uses	use	VERB
cblr-3007	452	8	that	that	DET
cblr-3007	452	9	cash	cash	NOUN
cblr-3007	452	10	and	and	CCONJ
cblr-3007	452	11	checks	check	NOUN
cblr-3007	452	12	do	do	VERB
cblr-3007	452	13	not	not	PART
cblr-3007	452	14	(	(	PUNCT
cblr-3007	452	15	e.g.	e.g.	ADV
cblr-3007	452	16	,	,	PUNCT
cblr-3007	452	17	as	as	ADP
cblr-3007	452	18	payment	payment	NOUN
cblr-3007	452	19	in	in	ADP
cblr-3007	452	20	e	e	NOUN
cblr-3007	452	21	-	-	NOUN
cblr-3007	452	22	commerce	commerce	NOUN
cblr-3007	452	23	)	)	PUNCT
cblr-3007	453	1	and	and	CCONJ
cblr-3007	453	2	,	,	PUNCT
cblr-3007	453	3	as	as	ADP
cblr-3007	453	4	a	a	DET
cblr-3007	453	5	result	result	NOUN
cblr-3007	453	6	,	,	PUNCT
cblr-3007	453	7	we	we	PRON
cblr-3007	453	8	may	may	AUX
cblr-3007	453	9	well	well	ADV
cblr-3007	453	10	expect	expect	VERB
cblr-3007	453	11	their	their	PRON
cblr-3007	453	12	use	use	NOUN
cblr-3007	453	13	to	to	PART
cblr-3007	453	14	grow	grow	VERB
cblr-3007	453	15	.	.	PUNCT
cblr-3007	454	1	indeed	indeed	ADV
cblr-3007	454	2	,	,	PUNCT
cblr-3007	454	3	one	one	NUM
cblr-3007	454	4	reason	reason	NOUN
cblr-3007	454	5	for	for	ADP
cblr-3007	454	6	visa	visa	NOUN
cblr-3007	454	7	's	's	PART
cblr-3007	454	8	stronger	strong	ADJ
cblr-3007	454	9	market	market	NOUN
cblr-3007	454	10	position	position	NOUN
cblr-3007	454	11	relativeto	relativeto	ADJ
cblr-3007	454	12	mastercard	mastercard	PROPN
cblr-3007	454	13	was	be	AUX
cblr-3007	454	14	its	its	PRON
cblr-3007	454	15	early	early	ADJ
cblr-3007	454	16	and	and	CCONJ
cblr-3007	454	17	forceful	forceful	ADJ
cblr-3007	454	18	moves	move	NOUN
cblr-3007	454	19	into	into	ADP
cblr-3007	454	20	the	the	DET
cblr-3007	454	21	debit	debit	NOUN
cblr-3007	454	22	card	card	NOUN
cblr-3007	454	23	business	business	NOUN
cblr-3007	454	24	-	-	PUNCT
cblr-3007	454	25	yet	yet	ADV
cblr-3007	454	26	another	another	DET
cblr-3007	454	27	example	example	NOUN
cblr-3007	454	28	of	of	ADP
cblr-3007	454	29	how	how	SCONJ
cblr-3007	454	30	successful	successful	ADJ
cblr-3007	454	31	firms	firm	NOUN
cblr-3007	454	32	can	can	AUX
cblr-3007	454	33	survive	survive	VERB
cblr-3007	454	34	only	only	ADV
cblr-3007	454	35	by	by	ADP
cblr-3007	454	36	cannibalizing	cannibalize	VERB
cblr-3007	454	37	their	their	PRON
cblr-3007	454	38	own	own	ADJ
cblr-3007	454	39	high	high	ADJ
cblr-3007	454	40	-	-	PUNCT
cblr-3007	454	41	margin	margin	NOUN
cblr-3007	454	42	businesses	business	NOUN
cblr-3007	454	43	.	.	PUNCT
cblr-3007	455	1	what	what	PRON
cblr-3007	455	2	then	then	ADV
cblr-3007	455	3	of	of	ADP
cblr-3007	455	4	the	the	DET
cblr-3007	455	5	possible	possible	ADJ
cblr-3007	455	6	cross	cross	NOUN
cblr-3007	455	7	-	-	NOUN
cblr-3007	455	8	subsidies	subsidy	NOUN
cblr-3007	455	9	between	between	ADP
cblr-3007	455	10	debit	debit	NOUN
cblr-3007	455	11	and	and	CCONJ
cblr-3007	455	12	credit	credit	NOUN
cblr-3007	455	13	cards	card	NOUN
cblr-3007	455	14	,	,	PUNCT
cblr-3007	455	15	which	which	PRON
cblr-3007	455	16	are	be	AUX
cblr-3007	455	17	often	often	ADV
cblr-3007	455	18	run	run	VERB
cblr-3007	455	19	by	by	ADP
cblr-3007	455	20	the	the	DET
cblr-3007	455	21	same	same	ADJ
cblr-3007	455	22	banks	bank	NOUN
cblr-3007	455	23	from	from	ADP
cblr-3007	455	24	the	the	DET
cblr-3007	455	25	same	same	ADJ
cblr-3007	455	26	platform	platform	NOUN
cblr-3007	455	27	?	?	PUNCT
cblr-3007	456	1	the	the	DET
cblr-3007	456	2	answer	answer	NOUN
cblr-3007	456	3	in	in	ADP
cblr-3007	456	4	many	many	ADJ
cblr-3007	456	5	ways	way	NOUN
cblr-3007	456	6	parallels	parallel	VERB
cblr-3007	456	7	the	the	DET
cblr-3007	456	8	cross	cross	ADJ
cblr-3007	456	9	-	-	ADJ
cblr-3007	456	10	subsidy	subsidy	ADJ
cblr-3007	456	11	answer	answer	NOUN
cblr-3007	456	12	given	give	VERB
cblr-3007	456	13	above	above	ADV
cblr-3007	456	14	in	in	ADP
cblr-3007	456	15	relation	relation	NOUN
cblr-3007	456	16	to	to	PART
cblr-3007	456	17	cash	cash	VERB
cblr-3007	456	18	and	and	CCONJ
cblr-3007	456	19	checks	check	NOUN
cblr-3007	456	20	.	.	PUNCT
cblr-3007	457	1	both	both	DET
cblr-3007	457	2	systems	system	NOUN
cblr-3007	457	3	are	be	AUX
cblr-3007	457	4	part	part	NOUN
cblr-3007	457	5	of	of	ADP
cblr-3007	457	6	a	a	DET
cblr-3007	457	7	consensual	consensual	ADJ
cblr-3007	457	8	network	network	NOUN
cblr-3007	457	9	in	in	ADP
cblr-3007	457	10	which	which	PRON
cblr-3007	457	11	there	there	PRON
cblr-3007	457	12	is	be	VERB
cblr-3007	457	13	no	no	DET
cblr-3007	457	14	unique	unique	ADJ
cblr-3007	457	15	fee	fee	NOUN
cblr-3007	457	16	structure	structure	NOUN
cblr-3007	457	17	that	that	PRON
cblr-3007	457	18	prices	price	VERB
cblr-3007	457	19	all	all	DET
cblr-3007	457	20	transactions	transaction	NOUN
cblr-3007	457	21	at	at	ADP
cblr-3007	457	22	marginal	marginal	ADJ
cblr-3007	457	23	cost	cost	NOUN
cblr-3007	457	24	.	.	PUNCT
cblr-3007	458	1	if	if	SCONJ
cblr-3007	458	2	it	it	PRON
cblr-3007	458	3	turns	turn	VERB
cblr-3007	458	4	out	out	ADP
cblr-3007	458	5	that	that	DET
cblr-3007	458	6	debit	debit	NOUN
cblr-3007	458	7	card	card	NOUN
cblr-3007	458	8	users	user	NOUN
cblr-3007	458	9	as	as	ADP
cblr-3007	458	10	a	a	DET
cblr-3007	458	11	class	class	NOUN
cblr-3007	458	12	are	be	AUX
cblr-3007	458	13	unhappy	unhappy	ADJ
cblr-3007	458	14	with	with	ADP
cblr-3007	458	15	the	the	DET
cblr-3007	458	16	association	association	NOUN
cblr-3007	458	17	of	of	ADP
cblr-3007	458	18	these	these	DET
cblr-3007	458	19	cards	card	NOUN
cblr-3007	458	20	with	with	ADP
cblr-3007	458	21	credit	credit	NOUN
cblr-3007	458	22	cards	card	NOUN
cblr-3007	458	23	,	,	PUNCT
cblr-3007	458	24	even	even	ADV
cblr-3007	458	25	when	when	SCONJ
cblr-3007	458	26	they	they	PRON
cblr-3007	458	27	carry	carry	VERB
cblr-3007	458	28	both	both	PRON
cblr-3007	458	29	,	,	PUNCT
cblr-3007	458	30	then	then	ADV
cblr-3007	458	31	some	some	DET
cblr-3007	458	32	form	form	NOUN
cblr-3007	458	33	of	of	ADP
cblr-3007	458	34	market	market	NOUN
cblr-3007	458	35	segmentation	segmentation	NOUN
cblr-3007	458	36	will	will	AUX
cblr-3007	458	37	occur	occur	VERB
cblr-3007	458	38	.	.	PUNCT
cblr-3007	459	1	new	new	ADJ
cblr-3007	459	2	companies	company	NOUN
cblr-3007	459	3	will	will	AUX
cblr-3007	459	4	offer	offer	VERB
cblr-3007	459	5	debit	debit	VERB
cblr-3007	459	6	-	-	PUNCT
cblr-3007	459	7	only	only	ADJ
cblr-3007	459	8	cards	card	NOUN
cblr-3007	459	9	at	at	ADP
cblr-3007	459	10	lower	low	ADJ
cblr-3007	459	11	rates	rate	NOUN
cblr-3007	459	12	than	than	ADP
cblr-3007	459	13	those	those	PRON
cblr-3007	459	14	at	at	ADP
cblr-3007	459	15	which	which	PRON
cblr-3007	459	16	existing	exist	VERB
cblr-3007	459	17	debit	debit	NOUN
cblr-3007	459	18	card	card	NOUN
cblr-3007	459	19	users	user	NOUN
cblr-3007	459	20	receive	receive	VERB
cblr-3007	459	21	the	the	DET
cblr-3007	459	22	blended	blended	ADJ
cblr-3007	459	23	product	product	NOUN
cblr-3007	459	24	,	,	PUNCT
cblr-3007	459	25	and	and	CCONJ
cblr-3007	459	26	the	the	DET
cblr-3007	459	27	incumbents	incumbent	NOUN
cblr-3007	459	28	will	will	AUX
cblr-3007	459	29	have	have	VERB
cblr-3007	459	30	to	to	PART
cblr-3007	459	31	follow	follow	VERB
cblr-3007	459	32	suit	suit	NOUN
cblr-3007	459	33	-	-	PUNCT
cblr-3007	459	34	unless	unless	SCONJ
cblr-3007	459	35	the	the	DET
cblr-3007	459	36	synergy	synergy	NOUN
cblr-3007	459	37	of	of	ADP
cblr-3007	459	38	the	the	DET
cblr-3007	459	39	two	two	NUM
cblr-3007	459	40	cards	card	NOUN
cblr-3007	459	41	has	have	VERB
cblr-3007	459	42	advantages	advantage	NOUN
cblr-3007	459	43	that	that	PRON
cblr-3007	459	44	debit	debit	NOUN
cblr-3007	459	45	-	-	PUNCT
cblr-3007	459	46	only	only	ADV
cblr-3007	459	47	plus	plus	CCONJ
cblr-3007	459	48	credit	credit	NOUN
cblr-3007	459	49	-	-	PUNCT
cblr-3007	459	50	only	only	ADJ
cblr-3007	459	51	cards	card	NOUN
cblr-3007	459	52	could	could	AUX
cblr-3007	459	53	not	not	PART
cblr-3007	459	54	equal	equal	VERB
cblr-3007	459	55	.	.	PUNCT
cblr-3007	459	56	nor	nor	CCONJ
cblr-3007	459	57	would	would	AUX
cblr-3007	459	58	it	it	PRON
cblr-3007	459	59	be	be	AUX
cblr-3007	459	60	necessary	necessary	ADJ
cblr-3007	459	61	that	that	SCONJ
cblr-3007	459	62	the	the	DET
cblr-3007	459	63	pressure	pressure	NOUN
cblr-3007	459	64	for	for	ADP
cblr-3007	459	65	market	market	NOUN
cblr-3007	459	66	segmentation	segmentation	NOUN
cblr-3007	459	67	come	come	VERB
cblr-3007	459	68	from	from	ADP
cblr-3007	459	69	customers	customer	NOUN
cblr-3007	459	70	.	.	PUNCT
cblr-3007	460	1	it	it	PRON
cblr-3007	460	2	might	might	AUX
cblr-3007	460	3	also	also	ADV
cblr-3007	460	4	come	come	VERB
cblr-3007	460	5	from	from	ADP
cblr-3007	460	6	merchants	merchant	NOUN
cblr-3007	460	7	who	who	PRON
cblr-3007	460	8	wish	wish	VERB
cblr-3007	460	9	to	to	PART
cblr-3007	460	10	negotiate	negotiate	VERB
cblr-3007	460	11	debit	debit	NOUN
cblr-3007	460	12	card	card	NOUN
cblr-3007	460	13	-	-	PUNCT
cblr-3007	460	14	only	only	ADJ
cblr-3007	460	15	deals	deal	NOUN
cblr-3007	460	16	with	with	ADP
cblr-3007	460	17	their	their	PRON
cblr-3007	460	18	banks	bank	NOUN
cblr-3007	460	19	at	at	ADP
cblr-3007	460	20	proportionately	proportionately	ADV
cblr-3007	460	21	lower	low	ADJ
cblr-3007	460	22	rates	rate	NOUN
cblr-3007	460	23	.	.	PUNCT
cblr-3007	461	1	in	in	ADP
cblr-3007	461	2	california	california	PROPN
cblr-3007	461	3	,	,	PUNCT
cblr-3007	461	4	for	for	ADP
cblr-3007	461	5	example	example	NOUN
cblr-3007	461	6	,	,	PUNCT
cblr-3007	461	7	payment	payment	NOUN
cblr-3007	461	8	at	at	ADP
cblr-3007	461	9	the	the	DET
cblr-3007	461	10	gasoline	gasoline	NOUN
cblr-3007	461	11	pump	pump	NOUN
cblr-3007	461	12	is	be	AUX
cblr-3007	461	13	by	by	ADP
cblr-3007	461	14	debit	debit	NOUN
cblr-3007	461	15	card	card	NOUN
cblr-3007	461	16	only	only	ADV
cblr-3007	461	17	(	(	PUNCT
cblr-3007	461	18	a	a	DET
cblr-3007	461	19	true	true	ADJ
cblr-3007	461	20	nuisance	nuisance	NOUN
cblr-3007	461	21	!	!	PUNCT
cblr-3007	461	22	)	)	PUNCT
cblr-3007	462	1	for	for	ADP
cblr-3007	462	2	precisely	precisely	ADV
cblr-3007	462	3	this	this	DET
cblr-3007	462	4	reason	reason	NOUN
cblr-3007	462	5	.	.	PUNCT
cblr-3007	463	1	given	give	VERB
cblr-3007	463	2	this	this	DET
cblr-3007	463	3	range	range	NOUN
cblr-3007	463	4	of	of	ADP
cblr-3007	463	5	responses	response	NOUN
cblr-3007	463	6	,	,	PUNCT
cblr-3007	463	7	it	it	PRON
cblr-3007	463	8	is	be	AUX
cblr-3007	463	9	at	at	ADP
cblr-3007	463	10	best	good	ADJ
cblr-3007	463	11	an	an	DET
cblr-3007	463	12	open	open	ADJ
cblr-3007	463	13	question	question	NOUN
cblr-3007	463	14	as	as	ADP
cblr-3007	463	15	to	to	ADP
cblr-3007	463	16	how	how	SCONJ
cblr-3007	463	17	many	many	ADJ
cblr-3007	463	18	people	people	NOUN
cblr-3007	463	19	using	use	VERB
cblr-3007	463	20	both	both	DET
cblr-3007	463	21	systems	system	NOUN
cblr-3007	463	22	simultaneously	simultaneously	ADV
cblr-3007	463	23	will	will	AUX
cblr-3007	463	24	migrate	migrate	VERB
cblr-3007	463	25	from	from	ADP
cblr-3007	463	26	the	the	DET
cblr-3007	463	27	current	current	ADJ
cblr-3007	463	28	platforms	platform	NOUN
cblr-3007	463	29	.	.	PUNCT
cblr-3007	464	1	but	but	CCONJ
cblr-3007	464	2	as	as	ADV
cblr-3007	464	3	long	long	ADV
cblr-3007	464	4	as	as	SCONJ
cblr-3007	464	5	that	that	DET
cblr-3007	464	6	possibility	possibility	NOUN
cblr-3007	464	7	remains	remain	VERB
cblr-3007	464	8	-	-	PUNCT
cblr-3007	464	9	and	and	CCONJ
cblr-3007	464	10	any	any	DET
cblr-3007	464	11	third	third	ADJ
cblr-3007	464	12	person	person	NOUN
cblr-3007	464	13	could	could	AUX
cblr-3007	464	14	start	start	VERB
cblr-3007	464	15	a	a	DET
cblr-3007	464	16	debit	debit	NOUN
cblr-3007	464	17	-	-	PUNCT
cblr-3007	464	18	only	only	ADV
cblr-3007	464	19	network	network	NOUN
cblr-3007	464	20	-	-	PUNCT
cblr-3007	464	21	then	then	ADV
cblr-3007	464	22	regulation	regulation	NOUN
cblr-3007	464	23	is	be	AUX
cblr-3007	464	24	not	not	PART
cblr-3007	464	25	needed	need	VERB
cblr-3007	464	26	as	as	ADP
cblr-3007	464	27	a	a	DET
cblr-3007	464	28	form	form	NOUN
cblr-3007	464	29	of	of	ADP
cblr-3007	464	30	no	no	NOUN
cblr-3007	464	31	.	.	PUNCT
cblr-3007	465	1	3:551	3:551	NUM
cblr-3007	465	2	]	]	X
cblr-3007	465	3	the	the	DET
cblr-3007	465	4	regulation	regulation	NOUN
cblr-3007	465	5	of	of	ADP
cblr-3007	465	6	interchange	interchange	NOUN
cblr-3007	465	7	fees	fee	NOUN
cblr-3007	465	8	industrial	industrial	ADJ
cblr-3007	465	9	policy	policy	NOUN
cblr-3007	465	10	to	to	PART
cblr-3007	465	11	force	force	VERB
cblr-3007	465	12	market	market	NOUN
cblr-3007	465	13	institutions	institution	NOUN
cblr-3007	465	14	to	to	PART
cblr-3007	465	15	march	march	VERB
cblr-3007	465	16	down	down	ADP
cblr-3007	465	17	an	an	DET
cblr-3007	465	18	intelligent	intelligent	ADJ
cblr-3007	465	19	path	path	NOUN
cblr-3007	465	20	.	.	PUNCT
cblr-3007	466	1	iv	iv	X
cblr-3007	466	2	.	.	PUNCT
cblr-3007	467	1	the	the	DET
cblr-3007	467	2	no	no	DET
cblr-3007	467	3	surcharge	surcharge	NOUN
cblr-3007	467	4	rule	rule	NOUN
cblr-3007	467	5	the	the	DET
cblr-3007	467	6	second	second	ADJ
cblr-3007	467	7	major	major	ADJ
cblr-3007	467	8	rba	rba	NOUN
cblr-3007	467	9	initiative	initiative	NOUN
cblr-3007	467	10	,	,	PUNCT
cblr-3007	467	11	disallowing	disallow	VERB
cblr-3007	467	12	surchages	surchage	NOUN
cblr-3007	467	13	,	,	PUNCT
cblr-3007	467	14	is	be	AUX
cblr-3007	467	15	surely	surely	ADV
cblr-3007	467	16	less	less	ADV
cblr-3007	467	17	important	important	ADJ
cblr-3007	467	18	than	than	ADP
cblr-3007	467	19	capping	cap	VERB
cblr-3007	467	20	interchange	interchange	NOUN
cblr-3007	467	21	fees	fee	NOUN
cblr-3007	467	22	,	,	PUNCT
cblr-3007	467	23	but	but	CCONJ
cblr-3007	467	24	it	it	PRON
cblr-3007	467	25	is	be	AUX
cblr-3007	467	26	nonetheless	nonetheless	ADV
cblr-3007	467	27	worthy	worthy	ADJ
cblr-3007	467	28	of	of	ADP
cblr-3007	467	29	comment	comment	NOUN
cblr-3007	467	30	.	.	PUNCT
cblr-3007	468	1	the	the	DET
cblr-3007	468	2	basic	basic	ADJ
cblr-3007	468	3	objection	objection	NOUN
cblr-3007	468	4	in	in	ADP
cblr-3007	468	5	this	this	DET
cblr-3007	468	6	case	case	NOUN
cblr-3007	468	7	is	be	AUX
cblr-3007	468	8	that	that	SCONJ
cblr-3007	468	9	standard	standard	ADJ
cblr-3007	468	10	contractual	contractual	ADJ
cblr-3007	468	11	prohibitions	prohibition	NOUN
cblr-3007	468	12	on	on	ADP
cblr-3007	468	13	surcharges	surcharge	NOUN
cblr-3007	468	14	prevent	prevent	VERB
cblr-3007	468	15	merchants	merchant	NOUN
cblr-3007	468	16	as	as	ADP
cblr-3007	468	17	a	a	DET
cblr-3007	468	18	whole	whole	NOUN
cblr-3007	468	19	from	from	ADP
cblr-3007	468	20	adjusting	adjust	VERB
cblr-3007	468	21	prices	price	NOUN
cblr-3007	468	22	for	for	ADP
cblr-3007	468	23	their	their	PRON
cblr-3007	468	24	various	various	ADJ
cblr-3007	468	25	classes	class	NOUN
cblr-3007	468	26	of	of	ADP
cblr-3007	468	27	users	user	NOUN
cblr-3007	468	28	in	in	ADP
cblr-3007	468	29	order	order	NOUN
cblr-3007	468	30	to	to	PART
cblr-3007	468	31	reflect	reflect	VERB
cblr-3007	468	32	the	the	DET
cblr-3007	468	33	relative	relative	ADJ
cblr-3007	468	34	costs	cost	NOUN
cblr-3007	468	35	that	that	PRON
cblr-3007	468	36	each	each	DET
cblr-3007	468	37	class	class	NOUN
cblr-3007	468	38	imposes	impose	VERB
cblr-3007	468	39	on	on	ADP
cblr-3007	468	40	the	the	DET
cblr-3007	468	41	overall	overall	ADJ
cblr-3007	468	42	system	system	NOUN
cblr-3007	468	43	.	.	PUNCT
cblr-3007	469	1	as	as	ADP
cblr-3007	469	2	with	with	ADP
cblr-3007	469	3	interchange	interchange	NOUN
cblr-3007	469	4	fees	fee	NOUN
cblr-3007	469	5	,	,	PUNCT
cblr-3007	469	6	the	the	DET
cblr-3007	469	7	potential	potential	ADJ
cblr-3007	469	8	gain	gain	NOUN
cblr-3007	469	9	from	from	ADP
cblr-3007	469	10	any	any	DET
cblr-3007	469	11	such	such	ADJ
cblr-3007	469	12	regulation	regulation	NOUN
cblr-3007	469	13	is	be	AUX
cblr-3007	469	14	strictly	strictly	ADV
cblr-3007	469	15	limited	limited	ADJ
cblr-3007	469	16	because	because	SCONJ
cblr-3007	469	17	we	we	PRON
cblr-3007	469	18	know	know	VERB
cblr-3007	469	19	from	from	ADP
cblr-3007	469	20	the	the	DET
cblr-3007	469	21	outset	outset	NOUN
cblr-3007	469	22	that	that	SCONJ
cblr-3007	469	23	the	the	DET
cblr-3007	469	24	differential	differential	NOUN
cblr-3007	469	25	is	be	AUX
cblr-3007	469	26	one	one	NUM
cblr-3007	469	27	that	that	PRON
cblr-3007	469	28	does	do	AUX
cblr-3007	469	29	not	not	PART
cblr-3007	469	30	meet	meet	VERB
cblr-3007	469	31	with	with	ADP
cblr-3007	469	32	stern	stern	ADJ
cblr-3007	469	33	market	market	NOUN
cblr-3007	469	34	resistance	resistance	NOUN
cblr-3007	469	35	-	-	PUNCT
cblr-3007	469	36	which	which	PRON
cblr-3007	469	37	would	would	AUX
cblr-3007	469	38	surely	surely	ADV
cblr-3007	469	39	be	be	AUX
cblr-3007	469	40	the	the	DET
cblr-3007	469	41	case	case	NOUN
cblr-3007	469	42	,	,	PUNCT
cblr-3007	469	43	for	for	ADP
cblr-3007	469	44	example	example	NOUN
cblr-3007	469	45	,	,	PUNCT
cblr-3007	469	46	if	if	SCONJ
cblr-3007	469	47	the	the	DET
cblr-3007	469	48	differential	differential	ADJ
cblr-3007	469	49	cost	cost	NOUN
cblr-3007	469	50	of	of	ADP
cblr-3007	469	51	service	service	NOUN
cblr-3007	469	52	were	be	AUX
cblr-3007	469	53	closer	close	ADJ
cblr-3007	469	54	to	to	PART
cblr-3007	469	55	five	five	NUM
cblr-3007	469	56	percent	percent	NOUN
cblr-3007	469	57	instead	instead	ADV
cblr-3007	469	58	of	of	ADP
cblr-3007	469	59	the	the	DET
cblr-3007	469	60	one	one	NUM
cblr-3007	469	61	or	or	CCONJ
cblr-3007	469	62	two	two	NUM
cblr-3007	469	63	percent	percent	NOUN
cblr-3007	469	64	that	that	PRON
cblr-3007	469	65	we	we	PRON
cblr-3007	469	66	see	see	VERB
cblr-3007	469	67	.	.	PUNCT
cblr-3007	470	1	in	in	ADP
cblr-3007	470	2	part	part	NOUN
cblr-3007	470	3	,	,	PUNCT
cblr-3007	470	4	there	there	PRON
cblr-3007	470	5	is	be	VERB
cblr-3007	470	6	no	no	DET
cblr-3007	470	7	resistance	resistance	NOUN
cblr-3007	470	8	because	because	SCONJ
cblr-3007	470	9	customers	customer	NOUN
cblr-3007	470	10	often	often	ADV
cblr-3007	470	11	prefer	prefer	VERB
cblr-3007	470	12	to	to	PART
cblr-3007	470	13	pay	pay	VERB
cblr-3007	470	14	with	with	ADP
cblr-3007	470	15	credit	credit	NOUN
cblr-3007	470	16	cards	card	NOUN
cblr-3007	470	17	than	than	ADP
cblr-3007	470	18	with	with	ADP
cblr-3007	470	19	cash	cash	NOUN
cblr-3007	470	20	,	,	PUNCT
cblr-3007	470	21	and	and	CCONJ
cblr-3007	470	22	these	these	DET
cblr-3007	470	23	key	key	ADJ
cblr-3007	470	24	customers	customer	NOUN
cblr-3007	470	25	would	would	AUX
cblr-3007	470	26	be	be	AUX
cblr-3007	470	27	angry	angry	ADJ
cblr-3007	470	28	with	with	ADP
cblr-3007	470	29	the	the	DET
cblr-3007	470	30	small	small	ADJ
cblr-3007	470	31	surcharges	surcharge	NOUN
cblr-3007	470	32	that	that	PRON
cblr-3007	470	33	occupy	occupy	VERB
cblr-3007	470	34	their	their	PRON
cblr-3007	470	35	time	time	NOUN
cblr-3007	470	36	and	and	CCONJ
cblr-3007	470	37	do	do	VERB
cblr-3007	470	38	little	little	ADJ
cblr-3007	470	39	else	else	ADV
cblr-3007	470	40	.	.	PUNCT
cblr-3007	471	1	the	the	DET
cblr-3007	471	2	customers	customer	NOUN
cblr-3007	471	3	who	who	PRON
cblr-3007	471	4	pay	pay	VERB
cblr-3007	471	5	by	by	ADP
cblr-3007	471	6	check	check	NOUN
cblr-3007	471	7	and	and	CCONJ
cblr-3007	471	8	cash	cash	NOUN
cblr-3007	471	9	do	do	AUX
cblr-3007	471	10	on	on	ADP
cblr-3007	471	11	occasion	occasion	NOUN
cblr-3007	471	12	ask	ask	VERB
cblr-3007	471	13	for	for	ADP
cblr-3007	471	14	and	and	CCONJ
cblr-3007	471	15	receive	receive	VERB
cblr-3007	471	16	certain	certain	ADJ
cblr-3007	471	17	discounts	discount	NOUN
cblr-3007	471	18	,	,	PUNCT
cblr-3007	471	19	particularly	particularly	ADV
cblr-3007	471	20	on	on	ADP
cblr-3007	471	21	larger	large	ADJ
cblr-3007	471	22	purchases	purchase	NOUN
cblr-3007	471	23	,	,	PUNCT
cblr-3007	471	24	and	and	CCONJ
cblr-3007	471	25	thus	thus	ADV
cblr-3007	471	26	have	have	VERB
cblr-3007	471	27	little	little	ADJ
cblr-3007	471	28	bloc	bloc	NOUN
cblr-3007	471	29	interest	interest	NOUN
cblr-3007	471	30	-	-	PUNCT
cblr-3007	471	31	assuming	assume	VERB
cblr-3007	471	32	that	that	SCONJ
cblr-3007	471	33	they	they	PRON
cblr-3007	471	34	are	be	AUX
cblr-3007	471	35	a	a	DET
cblr-3007	471	36	bloc	bloc	NOUN
cblr-3007	471	37	-	-	PUNCT
cblr-3007	471	38	to	to	PART
cblr-3007	471	39	override	override	VERB
cblr-3007	471	40	the	the	DET
cblr-3007	471	41	clause	clause	NOUN
cblr-3007	471	42	.	.	PUNCT
cblr-3007	472	1	thus	thus	ADV
cblr-3007	472	2	,	,	PUNCT
cblr-3007	472	3	the	the	DET
cblr-3007	472	4	porous	porous	ADJ
cblr-3007	472	5	nature	nature	NOUN
cblr-3007	472	6	of	of	ADP
cblr-3007	472	7	this	this	DET
cblr-3007	472	8	rule	rule	NOUN
cblr-3007	472	9	accounts	account	VERB
cblr-3007	472	10	for	for	ADP
cblr-3007	472	11	part	part	NOUN
cblr-3007	472	12	of	of	ADP
cblr-3007	472	13	its	its	PRON
cblr-3007	472	14	durability	durability	NOUN
cblr-3007	472	15	.	.	PUNCT
cblr-3007	473	1	another	another	DET
cblr-3007	473	2	objection	objection	NOUN
cblr-3007	473	3	is	be	AUX
cblr-3007	473	4	that	that	SCONJ
cblr-3007	473	5	the	the	DET
cblr-3007	473	6	argument	argument	NOUN
cblr-3007	473	7	for	for	ADP
cblr-3007	473	8	a	a	DET
cblr-3007	473	9	surcharge	surcharge	NOUN
cblr-3007	473	10	rests	rest	VERB
cblr-3007	473	11	on	on	ADP
cblr-3007	473	12	the	the	DET
cblr-3007	473	13	assumption	assumption	NOUN
cblr-3007	473	14	that	that	SCONJ
cblr-3007	473	15	non	non	ADJ
cblr-3007	473	16	-	-	ADJ
cblr-3007	473	17	credit	credit	ADJ
cblr-3007	473	18	card	card	NOUN
cblr-3007	473	19	users	user	NOUN
cblr-3007	473	20	gain	gain	VERB
cblr-3007	473	21	no	no	DET
cblr-3007	473	22	particular	particular	ADJ
cblr-3007	473	23	advantage	advantage	NOUN
cblr-3007	473	24	because	because	SCONJ
cblr-3007	473	25	others	other	NOUN
cblr-3007	473	26	use	use	VERB
cblr-3007	473	27	credit	credit	NOUN
cblr-3007	473	28	cards	card	NOUN
cblr-3007	473	29	at	at	ADP
cblr-3007	473	30	the	the	DET
cblr-3007	473	31	same	same	ADJ
cblr-3007	473	32	place	place	NOUN
cblr-3007	473	33	of	of	ADP
cblr-3007	473	34	business	business	NOUN
cblr-3007	473	35	.	.	PUNCT
cblr-3007	474	1	there	there	PRON
cblr-3007	474	2	is	be	VERB
cblr-3007	474	3	some	some	DET
cblr-3007	474	4	reason	reason	NOUN
cblr-3007	474	5	to	to	PART
cblr-3007	474	6	think	think	VERB
cblr-3007	474	7	that	that	SCONJ
cblr-3007	474	8	this	this	DET
cblr-3007	474	9	assumption	assumption	NOUN
cblr-3007	474	10	is	be	AUX
cblr-3007	474	11	overstated	overstate	VERB
cblr-3007	474	12	.	.	PUNCT
cblr-3007	475	1	consider	consider	VERB
cblr-3007	475	2	the	the	DET
cblr-3007	475	3	following	follow	VERB
cblr-3007	475	4	thought	think	VERB
cblr-3007	475	5	experiment	experiment	NOUN
cblr-3007	475	6	that	that	PRON
cblr-3007	475	7	could	could	AUX
cblr-3007	475	8	,	,	PUNCT
cblr-3007	475	9	in	in	ADP
cblr-3007	475	10	principle	principle	NOUN
cblr-3007	475	11	,	,	PUNCT
cblr-3007	475	12	become	become	VERB
cblr-3007	475	13	the	the	DET
cblr-3007	475	14	basis	basis	NOUN
cblr-3007	475	15	of	of	ADP
cblr-3007	475	16	systematic	systematic	ADJ
cblr-3007	475	17	empirical	empirical	ADJ
cblr-3007	475	18	research	research	NOUN
cblr-3007	475	19	.	.	PUNCT
cblr-3007	476	1	suppose	suppose	VERB
cblr-3007	476	2	that	that	SCONJ
cblr-3007	476	3	you	you	PRON
cblr-3007	476	4	are	be	AUX
cblr-3007	476	5	intent	intent	ADJ
cblr-3007	476	6	on	on	ADP
cblr-3007	476	7	paying	pay	VERB
cblr-3007	476	8	for	for	ADP
cblr-3007	476	9	a	a	DET
cblr-3007	476	10	product	product	NOUN
cblr-3007	476	11	by	by	ADP
cblr-3007	476	12	cash	cash	NOUN
cblr-3007	476	13	or	or	CCONJ
cblr-3007	476	14	check	check	VERB
cblr-3007	476	15	and	and	CCONJ
cblr-3007	476	16	could	could	AUX
cblr-3007	476	17	enter	enter	VERB
cblr-3007	476	18	into	into	ADP
cblr-3007	476	19	either	either	PRON
cblr-3007	476	20	of	of	ADP
cblr-3007	476	21	two	two	NUM
cblr-3007	476	22	competitive	competitive	ADJ
cblr-3007	476	23	establishments	establishment	NOUN
cblr-3007	476	24	,	,	PUNCT
cblr-3007	476	25	one	one	NUM
cblr-3007	476	26	that	that	PRON
cblr-3007	476	27	announces	announce	VERB
cblr-3007	476	28	that	that	SCONJ
cblr-3007	476	29	it	it	PRON
cblr-3007	476	30	will	will	AUX
cblr-3007	476	31	accept	accept	VERB
cblr-3007	476	32	credit	credit	NOUN
cblr-3007	476	33	cards	card	NOUN
cblr-3007	476	34	at	at	ADP
cblr-3007	476	35	no	no	DET
cblr-3007	476	36	additional	additional	ADJ
cblr-3007	476	37	cost	cost	NOUN
cblr-3007	476	38	and	and	CCONJ
cblr-3007	476	39	another	another	PRON
cblr-3007	476	40	that	that	PRON
cblr-3007	476	41	announces	announce	VERB
cblr-3007	476	42	that	that	SCONJ
cblr-3007	476	43	it	it	PRON
cblr-3007	476	44	will	will	AUX
cblr-3007	476	45	not	not	PART
cblr-3007	476	46	take	take	VERB
cblr-3007	476	47	any	any	DET
cblr-3007	476	48	cards	card	NOUN
cblr-3007	476	49	at	at	ADV
cblr-3007	476	50	all	all	ADV
cblr-3007	476	51	.	.	PUNCT
cblr-3007	477	1	if	if	SCONJ
cblr-3007	477	2	one	one	PRON
cblr-3007	477	3	takes	take	VERB
cblr-3007	477	4	the	the	DET
cblr-3007	477	5	rba	rba	NOUN
cblr-3007	477	6	assertions	assertion	NOUN
cblr-3007	477	7	seriously	seriously	ADV
cblr-3007	477	8	,	,	PUNCT
cblr-3007	477	9	then	then	ADV
cblr-3007	477	10	the	the	DET
cblr-3007	477	11	cash	cash	NOUN
cblr-3007	477	12	purchaser	purchaser	NOUN
cblr-3007	477	13	should	should	AUX
cblr-3007	477	14	,	,	PUNCT
cblr-3007	477	15	ceteris	ceteris	VERB
cblr-3007	477	16	paribus	paribus	NOUN
cblr-3007	477	17	,	,	PUNCT
cblr-3007	477	18	make	make	VERB
cblr-3007	477	19	a	a	DET
cblr-3007	477	20	beeline	beeline	NOUN
cblr-3007	478	1	[	[	X
cblr-3007	478	2	vol	vol	NOUN
cblr-3007	478	3	.	.	PUNCT
cblr-3007	479	1	2005columbia	2005columbia	NUM
cblr-3007	479	2	business	business	NOUN
cblr-3007	479	3	la	la	PROPN
cblr-3007	479	4	w	w	PROPN
cblr-3007	479	5	review	review	VERB
cblr-3007	479	6	the	the	DET
cblr-3007	479	7	regulation	regulation	NOUN
cblr-3007	479	8	of	of	ADP
cblr-3007	479	9	interchange	interchange	NOUN
cblr-3007	479	10	fees	fee	NOUN
cblr-3007	479	11	for	for	ADP
cblr-3007	479	12	a	a	DET
cblr-3007	479	13	place	place	NOUN
cblr-3007	479	14	that	that	PRON
cblr-3007	479	15	,	,	PUNCT
cblr-3007	479	16	on	on	ADP
cblr-3007	479	17	average	average	ADJ
cblr-3007	479	18	,	,	PUNCT
cblr-3007	479	19	will	will	AUX
cblr-3007	479	20	charge	charge	VERB
cblr-3007	479	21	about	about	ADV
cblr-3007	479	22	one	one	NUM
cblr-3007	479	23	percent	percent	NOUN
cblr-3007	479	24	less	less	ADJ
cblr-3007	479	25	for	for	ADP
cblr-3007	479	26	each	each	DET
cblr-3007	479	27	individual	individual	ADJ
cblr-3007	479	28	purchase	purchase	NOUN
cblr-3007	479	29	.	.	PUNCT
cblr-3007	480	1	there	there	PRON
cblr-3007	480	2	are	be	VERB
cblr-3007	480	3	three	three	NUM
cblr-3007	480	4	reasons	reason	NOUN
cblr-3007	480	5	why	why	SCONJ
cblr-3007	480	6	the	the	DET
cblr-3007	480	7	behavior	behavior	NOUN
cblr-3007	480	8	observed	observe	VERB
cblr-3007	480	9	will	will	AUX
cblr-3007	480	10	not	not	PART
cblr-3007	480	11	prove	prove	VERB
cblr-3007	480	12	to	to	PART
cblr-3007	480	13	be	be	AUX
cblr-3007	480	14	all	all	DET
cblr-3007	480	15	that	that	DET
cblr-3007	480	16	simple	simple	ADJ
cblr-3007	480	17	.	.	PUNCT
cblr-3007	481	1	first	first	ADV
cblr-3007	481	2	,	,	PUNCT
cblr-3007	481	3	from	from	ADP
cblr-3007	481	4	the	the	DET
cblr-3007	481	5	outside	outside	NOUN
cblr-3007	481	6	,	,	PUNCT
cblr-3007	481	7	the	the	DET
cblr-3007	481	8	two	two	NUM
cblr-3007	481	9	stores	store	NOUN
cblr-3007	481	10	are	be	AUX
cblr-3007	481	11	in	in	ADP
cblr-3007	481	12	some	some	DET
cblr-3007	481	13	sense	sense	NOUN
cblr-3007	481	14	black	black	ADJ
cblr-3007	481	15	boxes	box	NOUN
cblr-3007	481	16	,	,	PUNCT
cblr-3007	481	17	especially	especially	ADV
cblr-3007	481	18	to	to	ADP
cblr-3007	481	19	tourists	tourist	NOUN
cblr-3007	481	20	,	,	PUNCT
cblr-3007	481	21	who	who	PRON
cblr-3007	481	22	have	have	VERB
cblr-3007	481	23	no	no	DET
cblr-3007	481	24	knowledge	knowledge	NOUN
cblr-3007	481	25	of	of	ADP
cblr-3007	481	26	what	what	PRON
cblr-3007	481	27	types	type	NOUN
cblr-3007	481	28	of	of	ADP
cblr-3007	481	29	goods	good	NOUN
cblr-3007	481	30	they	they	PRON
cblr-3007	481	31	carry	carry	VERB
cblr-3007	481	32	or	or	CCONJ
cblr-3007	481	33	the	the	DET
cblr-3007	481	34	clientele	clientele	NOUN
cblr-3007	481	35	that	that	PRON
cblr-3007	481	36	they	they	PRON
cblr-3007	481	37	serve	serve	VERB
cblr-3007	481	38	.	.	PUNCT
cblr-3007	482	1	in	in	ADP
cblr-3007	482	2	these	these	DET
cblr-3007	482	3	situations	situation	NOUN
cblr-3007	482	4	,	,	PUNCT
cblr-3007	482	5	the	the	DET
cblr-3007	482	6	credit	credit	NOUN
cblr-3007	482	7	card	card	NOUN
cblr-3007	482	8	logo	logo	NOUN
cblr-3007	482	9	over	over	ADP
cblr-3007	482	10	the	the	DET
cblr-3007	482	11	door	door	NOUN
cblr-3007	482	12	operates	operate	VERB
cblr-3007	482	13	as	as	ADP
cblr-3007	482	14	a	a	DET
cblr-3007	482	15	useful	useful	ADJ
cblr-3007	482	16	signaling	signal	VERB
cblr-3007	482	17	device	device	NOUN
cblr-3007	482	18	that	that	PRON
cblr-3007	482	19	tells	tell	VERB
cblr-3007	482	20	the	the	DET
cblr-3007	482	21	potential	potential	ADJ
cblr-3007	482	22	buyer	buyer	NOUN
cblr-3007	482	23	that	that	SCONJ
cblr-3007	482	24	this	this	DET
cblr-3007	482	25	business	business	NOUN
cblr-3007	482	26	has	have	VERB
cblr-3007	482	27	sufficient	sufficient	ADJ
cblr-3007	482	28	stability	stability	NOUN
cblr-3007	482	29	and	and	CCONJ
cblr-3007	482	30	organization	organization	NOUN
cblr-3007	482	31	to	to	PART
cblr-3007	482	32	participate	participate	VERB
cblr-3007	482	33	in	in	ADP
cblr-3007	482	34	a	a	DET
cblr-3007	482	35	credit	credit	NOUN
cblr-3007	482	36	card	card	NOUN
cblr-3007	482	37	operation	operation	NOUN
cblr-3007	482	38	.	.	PUNCT
cblr-3007	483	1	this	this	DET
cblr-3007	483	2	type	type	NOUN
cblr-3007	483	3	of	of	ADP
cblr-3007	483	4	information	information	NOUN
cblr-3007	483	5	is	be	AUX
cblr-3007	483	6	valuable	valuable	ADJ
cblr-3007	483	7	not	not	PART
cblr-3007	483	8	only	only	ADV
cblr-3007	483	9	to	to	ADP
cblr-3007	483	10	credit	credit	NOUN
cblr-3007	483	11	card	card	NOUN
cblr-3007	483	12	holders	holder	NOUN
cblr-3007	483	13	,	,	PUNCT
cblr-3007	483	14	but	but	CCONJ
cblr-3007	483	15	also	also	ADV
cblr-3007	483	16	to	to	PART
cblr-3007	483	17	cash	cash	VERB
cblr-3007	483	18	purchasers	purchaser	NOUN
cblr-3007	483	19	who	who	PRON
cblr-3007	483	20	see	see	VERB
cblr-3007	483	21	it	it	PRON
cblr-3007	483	22	as	as	ADP
cblr-3007	483	23	a	a	DET
cblr-3007	483	24	general	general	ADJ
cblr-3007	483	25	indication	indication	NOUN
cblr-3007	483	26	of	of	ADP
cblr-3007	483	27	the	the	DET
cblr-3007	483	28	scope	scope	NOUN
cblr-3007	483	29	and	and	CCONJ
cblr-3007	483	30	reliability	reliability	NOUN
cblr-3007	483	31	of	of	ADP
cblr-3007	483	32	the	the	DET
cblr-3007	483	33	business	business	NOUN
cblr-3007	483	34	'	'	PART
cblr-3007	483	35	full	full	ADJ
cblr-3007	483	36	range	range	NOUN
cblr-3007	483	37	of	of	ADP
cblr-3007	483	38	operations	operation	NOUN
cblr-3007	483	39	.	.	PUNCT
cblr-3007	484	1	there	there	PRON
cblr-3007	484	2	is	be	VERB
cblr-3007	484	3	no	no	DET
cblr-3007	484	4	direct	direct	ADJ
cblr-3007	484	5	way	way	NOUN
cblr-3007	484	6	for	for	SCONJ
cblr-3007	484	7	credit	credit	NOUN
cblr-3007	484	8	card	card	NOUN
cblr-3007	484	9	companies	company	NOUN
cblr-3007	484	10	to	to	PART
cblr-3007	484	11	collect	collect	VERB
cblr-3007	484	12	for	for	ADP
cblr-3007	484	13	this	this	DET
cblr-3007	484	14	bonding	bonding	NOUN
cblr-3007	484	15	function	function	NOUN
cblr-3007	484	16	,	,	PUNCT
cblr-3007	484	17	in	in	ADP
cblr-3007	484	18	essence	essence	NOUN
cblr-3007	484	19	a	a	DET
cblr-3007	484	20	form	form	NOUN
cblr-3007	484	21	of	of	ADP
cblr-3007	484	22	cobranding	cobranding	NOUN
cblr-3007	484	23	,	,	PUNCT
cblr-3007	484	24	from	from	ADP
cblr-3007	484	25	non	non	ADJ
cblr-3007	484	26	-	-	ADJ
cblr-3007	484	27	credit	credit	ADJ
cblr-3007	484	28	card	card	NOUN
cblr-3007	484	29	users	user	NOUN
cblr-3007	484	30	.	.	PUNCT
cblr-3007	485	1	the	the	DET
cblr-3007	485	2	imperfect	imperfect	ADJ
cblr-3007	485	3	maintenance	maintenance	NOUN
cblr-3007	485	4	of	of	ADP
cblr-3007	485	5	the	the	DET
cblr-3007	485	6	surcharge	surcharge	NOUN
cblr-3007	485	7	helps	helps	AUX
cblr-3007	485	8	counteract	counteract	VERB
cblr-3007	485	9	such	such	DET
cblr-3007	485	10	a	a	DET
cblr-3007	485	11	free	free	ADJ
cblr-3007	485	12	riding	riding	NOUN
cblr-3007	485	13	effect	effect	NOUN
cblr-3007	485	14	.	.	PUNCT
cblr-3007	486	1	the	the	DET
cblr-3007	486	2	second	second	ADJ
cblr-3007	486	3	reason	reason	NOUN
cblr-3007	486	4	is	be	AUX
cblr-3007	486	5	more	more	ADV
cblr-3007	486	6	restrictive	restrictive	ADJ
cblr-3007	486	7	,	,	PUNCT
cblr-3007	486	8	and	and	CCONJ
cblr-3007	486	9	it	it	PRON
cblr-3007	486	10	applies	apply	VERB
cblr-3007	486	11	only	only	ADV
cblr-3007	486	12	to	to	ADP
cblr-3007	486	13	those	those	DET
cblr-3007	486	14	people	people	NOUN
cblr-3007	486	15	who	who	PRON
cblr-3007	486	16	are	be	AUX
cblr-3007	486	17	happy	happy	ADJ
cblr-3007	486	18	to	to	PART
cblr-3007	486	19	use	use	VERB
cblr-3007	486	20	cash	cash	NOUN
cblr-3007	486	21	,	,	PUNCT
cblr-3007	486	22	but	but	CCONJ
cblr-3007	486	23	carry	carry	VERB
cblr-3007	486	24	credit	credit	NOUN
cblr-3007	486	25	cards	card	NOUN
cblr-3007	486	26	as	as	ADV
cblr-3007	486	27	well	well	ADV
cblr-3007	486	28	.	.	PUNCT
cblr-3007	487	1	when	when	SCONJ
cblr-3007	487	2	they	they	PRON
cblr-3007	487	3	enter	enter	VERB
cblr-3007	487	4	a	a	DET
cblr-3007	487	5	store	store	NOUN
cblr-3007	487	6	,	,	PUNCT
cblr-3007	487	7	they	they	PRON
cblr-3007	487	8	may	may	AUX
cblr-3007	487	9	well	well	ADV
cblr-3007	487	10	plan	plan	VERB
cblr-3007	487	11	on	on	ADP
cblr-3007	487	12	making	make	VERB
cblr-3007	487	13	some	some	DET
cblr-3007	487	14	modest	modest	ADJ
cblr-3007	487	15	purchase	purchase	NOUN
cblr-3007	487	16	.	.	PUNCT
cblr-3007	488	1	however	however	ADV
cblr-3007	488	2	,	,	PUNCT
cblr-3007	488	3	if	if	SCONJ
cblr-3007	488	4	they	they	PRON
cblr-3007	488	5	then	then	ADV
cblr-3007	488	6	decide	decide	VERB
cblr-3007	488	7	to	to	PART
cblr-3007	488	8	buy	buy	VERB
cblr-3007	488	9	an	an	DET
cblr-3007	488	10	unexpected	unexpected	ADJ
cblr-3007	488	11	and	and	CCONJ
cblr-3007	488	12	expensive	expensive	ADJ
cblr-3007	488	13	item	item	NOUN
cblr-3007	488	14	,	,	PUNCT
cblr-3007	488	15	they	they	PRON
cblr-3007	488	16	may	may	AUX
cblr-3007	488	17	prefer	prefer	VERB
cblr-3007	488	18	to	to	PART
cblr-3007	488	19	switch	switch	VERB
cblr-3007	488	20	to	to	ADP
cblr-3007	488	21	a	a	DET
cblr-3007	488	22	credit	credit	NOUN
cblr-3007	488	23	card	card	NOUN
cblr-3007	488	24	for	for	ADP
cblr-3007	488	25	payment	payment	NOUN
cblr-3007	488	26	.	.	PUNCT
cblr-3007	489	1	thus	thus	ADV
cblr-3007	489	2	,	,	PUNCT
cblr-3007	489	3	they	they	PRON
cblr-3007	489	4	will	will	AUX
cblr-3007	489	5	gravitate	gravitate	VERB
cblr-3007	489	6	to	to	ADP
cblr-3007	489	7	the	the	DET
cblr-3007	489	8	place	place	NOUN
cblr-3007	489	9	that	that	PRON
cblr-3007	489	10	provides	provide	VERB
cblr-3007	489	11	them	they	PRON
cblr-3007	489	12	with	with	ADP
cblr-3007	489	13	the	the	DET
cblr-3007	489	14	added	add	VERB
cblr-3007	489	15	flexibility	flexibility	NOUN
cblr-3007	489	16	of	of	ADP
cblr-3007	489	17	paying	pay	VERB
cblr-3007	489	18	by	by	ADP
cblr-3007	489	19	credit	credit	NOUN
cblr-3007	489	20	card	card	NOUN
cblr-3007	489	21	.	.	PUNCT
cblr-3007	490	1	once	once	ADV
cblr-3007	490	2	again	again	ADV
cblr-3007	490	3	,	,	PUNCT
cblr-3007	490	4	allowing	allow	VERB
cblr-3007	490	5	the	the	DET
cblr-3007	490	6	credit	credit	NOUN
cblr-3007	490	7	card	card	NOUN
cblr-3007	490	8	company	company	NOUN
cblr-3007	490	9	to	to	PART
cblr-3007	490	10	impose	impose	VERB
cblr-3007	490	11	a	a	DET
cblr-3007	490	12	surcharge	surcharge	NOUN
cblr-3007	490	13	is	be	AUX
cblr-3007	490	14	the	the	DET
cblr-3007	490	15	only	only	ADJ
cblr-3007	490	16	way	way	NOUN
cblr-3007	490	17	to	to	PART
cblr-3007	490	18	overcome	overcome	VERB
cblr-3007	490	19	free	free	ADJ
cblr-3007	490	20	riding	riding	NOUN
cblr-3007	490	21	by	by	ADP
cblr-3007	490	22	cash	cash	NOUN
cblr-3007	490	23	-	-	PUNCT
cblr-3007	490	24	only	only	ADJ
cblr-3007	490	25	customers	customer	NOUN
cblr-3007	490	26	.	.	PUNCT
cblr-3007	491	1	finally	finally	ADV
cblr-3007	491	2	,	,	PUNCT
cblr-3007	491	3	there	there	PRON
cblr-3007	491	4	is	be	VERB
cblr-3007	491	5	the	the	DET
cblr-3007	491	6	standard	standard	ADJ
cblr-3007	491	7	concern	concern	NOUN
cblr-3007	491	8	with	with	ADP
cblr-3007	491	9	the	the	DET
cblr-3007	491	10	ease	ease	NOUN
cblr-3007	491	11	of	of	ADP
cblr-3007	491	12	transacting	transacting	NOUN
cblr-3007	491	13	,	,	PUNCT
cblr-3007	491	14	which	which	PRON
cblr-3007	491	15	looms	loom	VERB
cblr-3007	491	16	especially	especially	ADV
cblr-3007	491	17	large	large	ADJ
cblr-3007	491	18	in	in	ADP
cblr-3007	491	19	any	any	DET
cblr-3007	491	20	setting	setting	NOUN
cblr-3007	491	21	with	with	ADP
cblr-3007	491	22	a	a	DET
cblr-3007	491	23	high	high	ADJ
cblr-3007	491	24	volume	volume	NOUN
cblr-3007	491	25	of	of	ADP
cblr-3007	491	26	low	low	ADJ
cblr-3007	491	27	-	-	PUNCT
cblr-3007	491	28	cost	cost	NOUN
cblr-3007	491	29	transactions	transaction	NOUN
cblr-3007	491	30	.	.	PUNCT
cblr-3007	492	1	customers	customer	NOUN
cblr-3007	492	2	hate	hate	VERB
cblr-3007	492	3	to	to	PART
cblr-3007	492	4	wait	wait	VERB
cblr-3007	492	5	in	in	ADP
cblr-3007	492	6	lines	line	NOUN
cblr-3007	492	7	,	,	PUNCT
cblr-3007	492	8	and	and	CCONJ
cblr-3007	492	9	anything	anything	PRON
cblr-3007	492	10	that	that	PRON
cblr-3007	492	11	complicates	complicate	VERB
cblr-3007	492	12	the	the	DET
cblr-3007	492	13	checkout	checkout	NOUN
cblr-3007	492	14	process	process	NOUN
cblr-3007	492	15	will	will	AUX
cblr-3007	492	16	often	often	ADV
cblr-3007	492	17	result	result	VERB
cblr-3007	492	18	in	in	ADP
cblr-3007	492	19	a	a	DET
cblr-3007	492	20	reduction	reduction	NOUN
cblr-3007	492	21	in	in	ADP
cblr-3007	492	22	sales	sale	NOUN
cblr-3007	492	23	,	,	PUNCT
cblr-3007	492	24	with	with	ADP
cblr-3007	492	25	attendant	attendant	ADJ
cblr-3007	492	26	detriments	detriment	NOUN
cblr-3007	492	27	to	to	ADP
cblr-3007	492	28	both	both	DET
cblr-3007	492	29	sides	side	NOUN
cblr-3007	492	30	.	.	PUNCT
cblr-3007	493	1	multiple	multiple	ADJ
cblr-3007	493	2	price	price	NOUN
cblr-3007	493	3	schedules	schedule	NOUN
cblr-3007	493	4	are	be	AUX
cblr-3007	493	5	sure	sure	ADJ
cblr-3007	493	6	to	to	PART
cblr-3007	493	7	slow	slow	VERB
cblr-3007	493	8	down	down	ADP
cblr-3007	493	9	business	business	NOUN
cblr-3007	493	10	,	,	PUNCT
cblr-3007	493	11	even	even	ADV
cblr-3007	493	12	if	if	SCONJ
cblr-3007	493	13	the	the	DET
cblr-3007	493	14	delays	delay	NOUN
cblr-3007	493	15	only	only	ADV
cblr-3007	493	16	come	come	VERB
cblr-3007	493	17	from	from	ADP
cblr-3007	493	18	customers	customer	NOUN
cblr-3007	493	19	who	who	PRON
cblr-3007	493	20	have	have	VERB
cblr-3007	493	21	to	to	PART
cblr-3007	493	22	check	check	VERB
cblr-3007	493	23	first	first	ADV
cblr-3007	493	24	to	to	PART
cblr-3007	493	25	see	see	VERB
cblr-3007	493	26	whether	whether	SCONJ
cblr-3007	493	27	they	they	PRON
cblr-3007	493	28	have	have	VERB
cblr-3007	493	29	sufficient	sufficient	ADJ
cblr-3007	493	30	cash	cash	NOUN
cblr-3007	493	31	in	in	ADP
cblr-3007	493	32	their	their	PRON
cblr-3007	493	33	pockets	pocket	NOUN
cblr-3007	493	34	or	or	CCONJ
cblr-3007	493	35	funds	fund	NOUN
cblr-3007	493	36	in	in	ADP
cblr-3007	493	37	their	their	PRON
cblr-3007	493	38	checking	checking	NOUN
cblr-3007	493	39	or	or	CCONJ
cblr-3007	493	40	debit	debit	NOUN
cblr-3007	493	41	accounts	account	NOUN
cblr-3007	493	42	.	.	PUNCT
cblr-3007	494	1	in	in	ADP
cblr-3007	494	2	any	any	DET
cblr-3007	494	3	individual	individual	ADJ
cblr-3007	494	4	case	case	NOUN
cblr-3007	494	5	,	,	PUNCT
cblr-3007	494	6	the	the	DET
cblr-3007	494	7	time	time	NOUN
cblr-3007	494	8	no	no	INTJ
cblr-3007	494	9	.	.	NOUN
cblr-3007	495	1	3:551	3:551	NUM
cblr-3007	495	2	]	]	PUNCT
cblr-3007	495	3	costs	cost	NOUN
cblr-3007	495	4	look	look	VERB
cblr-3007	495	5	trivial	trivial	ADJ
cblr-3007	495	6	,	,	PUNCT
cblr-3007	495	7	but	but	CCONJ
cblr-3007	495	8	their	their	PRON
cblr-3007	495	9	aggregate	aggregate	ADJ
cblr-3007	495	10	sum	sum	NOUN
cblr-3007	495	11	over	over	ADP
cblr-3007	495	12	the	the	DET
cblr-3007	495	13	course	course	NOUN
cblr-3007	495	14	of	of	ADP
cblr-3007	495	15	days	day	NOUN
cblr-3007	495	16	and	and	CCONJ
cblr-3007	495	17	weeks	week	NOUN
cblr-3007	495	18	,	,	PUNCT
cblr-3007	495	19	like	like	ADP
cblr-3007	495	20	that	that	PRON
cblr-3007	495	21	of	of	ADP
cblr-3007	495	22	interchange	interchange	NOUN
cblr-3007	495	23	fees	fee	NOUN
cblr-3007	495	24	,	,	PUNCT
cblr-3007	495	25	is	be	AUX
cblr-3007	495	26	not	not	PART
cblr-3007	495	27	.	.	PUNCT
cblr-3007	496	1	if	if	SCONJ
cblr-3007	496	2	multiple	multiple	ADJ
cblr-3007	496	3	price	price	NOUN
cblr-3007	496	4	schedules	schedule	NOUN
cblr-3007	496	5	serve	serve	VERB
cblr-3007	496	6	to	to	PART
cblr-3007	496	7	slow	slow	VERB
cblr-3007	496	8	down	down	ADP
cblr-3007	496	9	lines	line	NOUN
cblr-3007	496	10	by	by	ADP
cblr-3007	496	11	even	even	ADV
cblr-3007	496	12	one	one	NUM
cblr-3007	496	13	or	or	CCONJ
cblr-3007	496	14	two	two	NUM
cblr-3007	496	15	percent	percent	NOUN
cblr-3007	496	16	-	-	PUNCT
cblr-3007	496	17	a	a	DET
cblr-3007	496	18	conservative	conservative	ADJ
cblr-3007	496	19	estimate	estimate	NOUN
cblr-3007	496	20	-	-	PUNCT
cblr-3007	496	21	this	this	PRON
cblr-3007	496	22	would	would	AUX
cblr-3007	496	23	translate	translate	VERB
cblr-3007	496	24	into	into	ADP
cblr-3007	496	25	higher	high	ADJ
cblr-3007	496	26	labor	labor	NOUN
cblr-3007	496	27	costs	cost	NOUN
cblr-3007	496	28	and	and	CCONJ
cblr-3007	496	29	longer	long	ADV
cblr-3007	496	30	waiting	wait	VERB
cblr-3007	496	31	times	time	NOUN
cblr-3007	496	32	,	,	PUNCT
cblr-3007	496	33	which	which	PRON
cblr-3007	496	34	might	might	AUX
cblr-3007	496	35	equal	equal	VERB
cblr-3007	496	36	or	or	CCONJ
cblr-3007	496	37	exceed	exceed	VERB
cblr-3007	496	38	the	the	DET
cblr-3007	496	39	surcharge	surcharge	NOUN
cblr-3007	496	40	differential	differential	NOUN
cblr-3007	496	41	.	.	PUNCT
cblr-3007	497	1	these	these	DET
cblr-3007	497	2	costs	cost	NOUN
cblr-3007	497	3	are	be	AUX
cblr-3007	497	4	,	,	PUNCT
cblr-3007	497	5	of	of	ADP
cblr-3007	497	6	course	course	NOUN
cblr-3007	497	7	,	,	PUNCT
cblr-3007	497	8	apparent	apparent	ADJ
cblr-3007	497	9	to	to	ADP
cblr-3007	497	10	the	the	DET
cblr-3007	497	11	merchants	merchant	NOUN
cblr-3007	497	12	themselves	themselves	PRON
cblr-3007	497	13	,	,	PUNCT
cblr-3007	497	14	which	which	PRON
cblr-3007	497	15	is	be	AUX
cblr-3007	497	16	why	why	SCONJ
cblr-3007	497	17	in	in	ADP
cblr-3007	497	18	many	many	ADJ
cblr-3007	497	19	instances	instance	NOUN
cblr-3007	497	20	they	they	PRON
cblr-3007	497	21	avoid	avoid	VERB
cblr-3007	497	22	the	the	DET
cblr-3007	497	23	adoption	adoption	NOUN
cblr-3007	497	24	of	of	ADP
cblr-3007	497	25	separate	separate	ADJ
cblr-3007	497	26	price	price	NOUN
cblr-3007	497	27	tiers	tier	NOUN
cblr-3007	497	28	even	even	ADV
cblr-3007	497	29	when	when	SCONJ
cblr-3007	497	30	given	give	VERB
cblr-3007	497	31	the	the	DET
cblr-3007	497	32	opportunity	opportunity	NOUN
cblr-3007	497	33	to	to	PART
cblr-3007	497	34	do	do	AUX
cblr-3007	497	35	so	so	ADV
cblr-3007	497	36	.	.	PUNCT
cblr-3007	498	1	in	in	ADP
cblr-3007	498	2	this	this	DET
cblr-3007	498	3	regard	regard	NOUN
cblr-3007	498	4	,	,	PUNCT
cblr-3007	498	5	it	it	PRON
cblr-3007	498	6	is	be	AUX
cblr-3007	498	7	instructive	instructive	ADJ
cblr-3007	498	8	that	that	SCONJ
cblr-3007	498	9	the	the	DET
cblr-3007	498	10	surcharge	surcharge	NOUN
cblr-3007	498	11	arrangements	arrangement	NOUN
cblr-3007	498	12	found	find	VERB
cblr-3007	498	13	in	in	ADP
cblr-3007	498	14	the	the	DET
cblr-3007	498	15	australian	australian	ADJ
cblr-3007	498	16	context	context	NOUN
cblr-3007	498	17	do	do	AUX
cblr-3007	498	18	not	not	PART
cblr-3007	498	19	support	support	VERB
cblr-3007	498	20	the	the	DET
cblr-3007	498	21	view	view	NOUN
cblr-3007	498	22	that	that	SCONJ
cblr-3007	498	23	similar	similar	ADJ
cblr-3007	498	24	arrangements	arrangement	NOUN
cblr-3007	498	25	are	be	AUX
cblr-3007	498	26	essential	essential	ADJ
cblr-3007	498	27	to	to	PART
cblr-3007	498	28	deal	deal	VERB
cblr-3007	498	29	with	with	ADP
cblr-3007	498	30	the	the	DET
cblr-3007	498	31	implicit	implicit	ADJ
cblr-3007	498	32	cross	cross	NOUN
cblr-3007	498	33	-	-	ADJ
cblr-3007	498	34	subsidy	subsidy	NOUN
cblr-3007	498	35	of	of	ADP
cblr-3007	498	36	cash	cash	NOUN
cblr-3007	498	37	customers	customer	NOUN
cblr-3007	498	38	.	.	PUNCT
cblr-3007	499	1	the	the	DET
cblr-3007	499	2	best	good	ADJ
cblr-3007	499	3	data	datum	NOUN
cblr-3007	499	4	suggests	suggest	VERB
cblr-3007	499	5	that	that	SCONJ
cblr-3007	499	6	the	the	DET
cblr-3007	499	7	percentage	percentage	NOUN
cblr-3007	499	8	of	of	ADP
cblr-3007	499	9	merchants	merchant	NOUN
cblr-3007	499	10	that	that	PRON
cblr-3007	499	11	use	use	VERB
cblr-3007	499	12	surcharges	surcharge	NOUN
cblr-3007	499	13	is	be	AUX
cblr-3007	499	14	between	between	ADP
cblr-3007	499	15	2.3	2.3	NUM
cblr-3007	499	16	%	%	NOUN
cblr-3007	499	17	and	and	CCONJ
cblr-3007	499	18	7	7	NUM
cblr-3007	499	19	%	%	NOUN
cblr-3007	499	20	,	,	PUNCT
cblr-3007	499	21	and	and	CCONJ
cblr-3007	499	22	that	that	SCONJ
cblr-3007	499	23	,	,	PUNCT
cblr-3007	499	24	of	of	ADP
cblr-3007	499	25	these	these	DET
cblr-3007	499	26	merchants	merchant	NOUN
cblr-3007	499	27	,	,	PUNCT
cblr-3007	499	28	none	none	NOUN
cblr-3007	499	29	impose	impose	VERB
cblr-3007	499	30	surcharges	surcharge	NOUN
cblr-3007	499	31	in	in	ADP
cblr-3007	499	32	all	all	DET
cblr-3007	499	33	cases.34	cases.34	NOUN
cblr-3007	499	34	in	in	ADP
cblr-3007	499	35	addition	addition	NOUN
cblr-3007	499	36	,	,	PUNCT
cblr-3007	499	37	in	in	ADP
cblr-3007	499	38	some	some	DET
cblr-3007	499	39	instances	instance	NOUN
cblr-3007	499	40	merchants	merchant	NOUN
cblr-3007	499	41	impose	impose	VERB
cblr-3007	499	42	surcharges	surcharge	NOUN
cblr-3007	499	43	on	on	ADP
cblr-3007	499	44	credit	credit	NOUN
cblr-3007	499	45	transactions	transaction	NOUN
cblr-3007	499	46	that	that	PRON
cblr-3007	499	47	exceed	exceed	VERB
cblr-3007	499	48	the	the	DET
cblr-3007	499	49	interchange	interchange	NOUN
cblr-3007	499	50	fee	fee	NOUN
cblr-3007	499	51	,	,	PUNCT
cblr-3007	499	52	a	a	DET
cblr-3007	499	53	strategy	strategy	NOUN
cblr-3007	499	54	that	that	PRON
cblr-3007	499	55	suggests	suggest	VERB
cblr-3007	499	56	that	that	SCONJ
cblr-3007	499	57	these	these	DET
cblr-3007	499	58	surcharges	surcharge	NOUN
cblr-3007	499	59	are	be	AUX
cblr-3007	499	60	imposed	impose	VERB
cblr-3007	499	61	with	with	ADP
cblr-3007	499	62	a	a	DET
cblr-3007	499	63	modest	modest	ADJ
cblr-3007	499	64	eye	eye	NOUN
cblr-3007	499	65	toward	toward	ADP
cblr-3007	499	66	price	price	NOUN
cblr-3007	499	67	discrimination	discrimination	NOUN
cblr-3007	499	68	.	.	PUNCT
cblr-3007	500	1	credit	credit	NOUN
cblr-3007	500	2	card	card	NOUN
cblr-3007	500	3	customers	customer	NOUN
cblr-3007	500	4	are	be	AUX
cblr-3007	500	5	,	,	PUNCT
cblr-3007	500	6	on	on	ADP
cblr-3007	500	7	average	average	ADJ
cblr-3007	500	8	,	,	PUNCT
cblr-3007	500	9	likely	likely	ADJ
cblr-3007	500	10	to	to	PART
cblr-3007	500	11	have	have	VERB
cblr-3007	500	12	higher	high	ADJ
cblr-3007	500	13	demand	demand	NOUN
cblr-3007	500	14	for	for	ADP
cblr-3007	500	15	goods	good	NOUN
cblr-3007	500	16	than	than	SCONJ
cblr-3007	500	17	are	be	AUX
cblr-3007	500	18	non	non	ADJ
cblr-3007	500	19	-	-	ADJ
cblr-3007	500	20	credit	credit	ADJ
cblr-3007	500	21	card	card	NOUN
cblr-3007	500	22	customers	customer	NOUN
cblr-3007	500	23	,	,	PUNCT
cblr-3007	500	24	and	and	CCONJ
cblr-3007	500	25	the	the	DET
cblr-3007	500	26	extra	extra	ADJ
cblr-3007	500	27	surcharge	surcharge	NOUN
cblr-3007	500	28	is	be	AUX
cblr-3007	500	29	a	a	DET
cblr-3007	500	30	way	way	NOUN
cblr-3007	500	31	to	to	PART
cblr-3007	500	32	single	single	VERB
cblr-3007	500	33	them	they	PRON
cblr-3007	500	34	out	out	ADP
cblr-3007	500	35	.	.	PUNCT
cblr-3007	501	1	again	again	ADV
cblr-3007	501	2	,	,	PUNCT
cblr-3007	501	3	therefore	therefore	ADV
cblr-3007	501	4	,	,	PUNCT
cblr-3007	501	5	the	the	DET
cblr-3007	501	6	no	no	DET
cblr-3007	501	7	surcharge	surcharge	NOUN
cblr-3007	501	8	rule	rule	NOUN
cblr-3007	501	9	does	do	AUX
cblr-3007	501	10	not	not	PART
cblr-3007	501	11	promote	promote	VERB
cblr-3007	501	12	competition	competition	NOUN
cblr-3007	501	13	,	,	PUNCT
cblr-3007	501	14	but	but	CCONJ
cblr-3007	501	15	instead	instead	ADV
cblr-3007	501	16	allows	allow	VERB
cblr-3007	501	17	merchants	merchant	NOUN
cblr-3007	501	18	in	in	ADP
cblr-3007	501	19	the	the	DET
cblr-3007	501	20	australian	australian	ADJ
cblr-3007	501	21	markets	market	NOUN
cblr-3007	501	22	(	(	PUNCT
cblr-3007	501	23	which	which	PRON
cblr-3007	501	24	are	be	AUX
cblr-3007	501	25	more	more	ADV
cblr-3007	501	26	concentrated	concentrated	ADJ
cblr-3007	501	27	than	than	ADP
cblr-3007	501	28	u.s	u.s	PROPN
cblr-3007	501	29	.	.	PROPN
cblr-3007	501	30	markets	market	NOUN
cblr-3007	501	31	)	)	PUNCT
cblr-3007	501	32	to	to	PART
cblr-3007	501	33	exercise	exercise	VERB
cblr-3007	501	34	some	some	DET
cblr-3007	501	35	modest	modest	ADJ
cblr-3007	501	36	degree	degree	NOUN
cblr-3007	501	37	of	of	ADP
cblr-3007	501	38	monopoly	monopoly	NOUN
cblr-3007	501	39	power	power	NOUN
cblr-3007	501	40	.	.	PUNCT
cblr-3007	502	1	the	the	DET
cblr-3007	502	2	general	general	ADJ
cblr-3007	502	3	unease	unease	NOUN
cblr-3007	502	4	with	with	ADP
cblr-3007	502	5	surcharges	surcharge	NOUN
cblr-3007	502	6	at	at	ADP
cblr-3007	502	7	the	the	DET
cblr-3007	502	8	merchant	merchant	NOUN
cblr-3007	502	9	level	level	NOUN
cblr-3007	502	10	also	also	ADV
cblr-3007	502	11	provides	provide	VERB
cblr-3007	502	12	the	the	DET
cblr-3007	502	13	best	good	ADJ
cblr-3007	502	14	explanation	explanation	NOUN
cblr-3007	502	15	of	of	ADP
cblr-3007	502	16	why	why	SCONJ
cblr-3007	502	17	issuing	issue	VERB
cblr-3007	502	18	banks	bank	NOUN
cblr-3007	502	19	have	have	AUX
cblr-3007	502	20	not	not	PART
cblr-3007	502	21	resorted	resort	VERB
cblr-3007	502	22	to	to	ADP
cblr-3007	502	23	tacking	tack	VERB
cblr-3007	502	24	on	on	ADP
cblr-3007	502	25	variable	variable	ADJ
cblr-3007	502	26	charges	charge	NOUN
cblr-3007	502	27	to	to	ADP
cblr-3007	502	28	individual	individual	ADJ
cblr-3007	502	29	credit	credit	NOUN
cblr-3007	502	30	transactions	transaction	NOUN
cblr-3007	502	31	,	,	PUNCT
cblr-3007	502	32	even	even	ADV
cblr-3007	502	33	when	when	SCONJ
cblr-3007	502	34	interchange	interchange	NOUN
cblr-3007	502	35	fees	fee	NOUN
cblr-3007	502	36	are	be	AUX
cblr-3007	502	37	capped	cap	VERB
cblr-3007	502	38	.	.	PUNCT
cblr-3007	503	1	the	the	DET
cblr-3007	503	2	main	main	ADJ
cblr-3007	503	3	argument	argument	NOUN
cblr-3007	503	4	in	in	ADP
cblr-3007	503	5	favor	favor	NOUN
cblr-3007	503	6	of	of	ADP
cblr-3007	503	7	having	have	VERB
cblr-3007	503	8	issuing	issue	VERB
cblr-3007	503	9	banks	bank	NOUN
cblr-3007	503	10	impose	impose	VERB
cblr-3007	503	11	surcharges	surcharge	NOUN
cblr-3007	503	12	on	on	ADP
cblr-3007	503	13	their	their	PRON
cblr-3007	503	14	cardholders	cardholder	NOUN
cblr-3007	503	15	is	be	AUX
cblr-3007	503	16	that	that	SCONJ
cblr-3007	503	17	it	it	PRON
cblr-3007	503	18	eliminates	eliminate	VERB
cblr-3007	503	19	the	the	DET
cblr-3007	503	20	ostensible	ostensible	ADJ
cblr-3007	503	21	cross	cross	NOUN
cblr-3007	503	22	-	-	ADJ
cblr-3007	503	23	subsidy	subsidy	ADJ
cblr-3007	503	24	that	that	SCONJ
cblr-3007	503	25	credit	credit	NOUN
cblr-3007	503	26	card	card	NOUN
cblr-3007	503	27	users	user	NOUN
cblr-3007	503	28	"	"	PUNCT
cblr-3007	503	29	see	see	VERB
cblr-3007	503	30	chang	chang	PROPN
cblr-3007	503	31	,	,	PUNCT
cblr-3007	503	32	australian	australian	ADJ
cblr-3007	503	33	interchange	interchange	NOUN
cblr-3007	503	34	,	,	PUNCT
cblr-3007	503	35	supra	supra	PROPN
cblr-3007	503	36	note	note	NOUN
cblr-3007	503	37	2	2	NUM
cblr-3007	503	38	,	,	PUNCT
cblr-3007	503	39	at	at	ADP
cblr-3007	503	40	19	19	NUM
cblr-3007	503	41	.	.	PUNCT
cblr-3007	504	1	note	note	VERB
cblr-3007	504	2	that	that	SCONJ
cblr-3007	504	3	in	in	ADP
cblr-3007	504	4	the	the	DET
cblr-3007	504	5	netherlands	netherlands	PROPN
cblr-3007	504	6	only	only	ADV
cblr-3007	504	7	about	about	ADV
cblr-3007	504	8	10	10	NUM
cblr-3007	504	9	%	%	NOUN
cblr-3007	504	10	of	of	ADP
cblr-3007	504	11	transactions	transaction	NOUN
cblr-3007	504	12	involve	involve	VERB
cblr-3007	504	13	merchant	merchant	NOUN
cblr-3007	504	14	surcharges	surcharge	NOUN
cblr-3007	504	15	.	.	PUNCT
cblr-3007	505	1	the	the	DET
cblr-3007	505	2	figure	figure	NOUN
cblr-3007	505	3	is	be	AUX
cblr-3007	505	4	just	just	ADV
cblr-3007	505	5	5	5	NUM
cblr-3007	505	6	%	%	NOUN
cblr-3007	505	7	in	in	ADP
cblr-3007	505	8	sweden	sweden	PROPN
cblr-3007	505	9	,	,	PUNCT
cblr-3007	505	10	and	and	CCONJ
cblr-3007	505	11	is	be	AUX
cblr-3007	505	12	also	also	ADV
cblr-3007	505	13	small	small	ADJ
cblr-3007	505	14	in	in	ADP
cblr-3007	505	15	great	great	ADJ
cblr-3007	505	16	britain	britain	PROPN
cblr-3007	505	17	.	.	PUNCT
cblr-3007	506	1	(	(	PUNCT
cblr-3007	506	2	vol	vol	NOUN
cblr-3007	506	3	.	.	PUNCT
cblr-3007	507	1	2005col	2005col	NUM
cblr-3007	507	2	umbia	umbia	NOUN
cblr-3007	508	1	b	b	PROPN
cblr-3007	509	1	usiness	usiness	PROPN
cblr-3007	509	2	la	la	PROPN
cblr-3007	509	3	w	w	PROPN
cblr-3007	509	4	re	re	PROPN
cblr-3007	509	5	vie	vie	PROPN
cblr-3007	509	6	w	w	PROPN
cblr-3007	509	7	receive	receive	VERB
cblr-3007	509	8	when	when	SCONJ
cblr-3007	509	9	the	the	DET
cblr-3007	509	10	interchange	interchange	NOUN
cblr-3007	509	11	fee	fee	NOUN
cblr-3007	509	12	is	be	AUX
cblr-3007	509	13	obscured	obscure	VERB
cblr-3007	509	14	by	by	ADP
cblr-3007	509	15	the	the	DET
cblr-3007	509	16	uniform	uniform	ADJ
cblr-3007	509	17	prices	price	NOUN
cblr-3007	509	18	charged	charge	VERB
cblr-3007	509	19	to	to	ADP
cblr-3007	509	20	all	all	DET
cblr-3007	509	21	purchasers	purchaser	NOUN
cblr-3007	509	22	.	.	PUNCT
cblr-3007	510	1	in	in	ADP
cblr-3007	510	2	such	such	DET
cblr-3007	510	3	a	a	DET
cblr-3007	510	4	case	case	NOUN
cblr-3007	510	5	,	,	PUNCT
cblr-3007	510	6	bankimposed	bankimpose	VERB
cblr-3007	510	7	surcharges	surcharge	NOUN
cblr-3007	510	8	should	should	AUX
cblr-3007	510	9	create	create	VERB
cblr-3007	510	10	uniform	uniform	ADJ
cblr-3007	510	11	prices	price	NOUN
cblr-3007	510	12	for	for	ADP
cblr-3007	510	13	products	product	NOUN
cblr-3007	510	14	and	and	CCONJ
cblr-3007	510	15	services	service	NOUN
cblr-3007	510	16	precisely	precisely	ADV
cblr-3007	510	17	because	because	SCONJ
cblr-3007	510	18	the	the	DET
cblr-3007	510	19	merchants	merchant	NOUN
cblr-3007	510	20	need	need	AUX
cblr-3007	510	21	not	not	PART
cblr-3007	510	22	build	build	VERB
cblr-3007	510	23	interchange	interchange	NOUN
cblr-3007	510	24	fees	fee	NOUN
cblr-3007	510	25	into	into	ADP
cblr-3007	510	26	their	their	PRON
cblr-3007	510	27	cost	cost	NOUN
cblr-3007	510	28	structure	structure	NOUN
cblr-3007	510	29	.	.	PUNCT
cblr-3007	511	1	yet	yet	ADV
cblr-3007	511	2	that	that	DET
cblr-3007	511	3	alternative	alternative	ADJ
cblr-3007	511	4	system	system	NOUN
cblr-3007	511	5	has	have	AUX
cblr-3007	511	6	never	never	ADV
cblr-3007	511	7	been	be	AUX
cblr-3007	511	8	used	use	VERB
cblr-3007	511	9	in	in	ADP
cblr-3007	511	10	the	the	DET
cblr-3007	511	11	credit	credit	NOUN
cblr-3007	511	12	card	card	NOUN
cblr-3007	511	13	business	business	NOUN
cblr-3007	511	14	,	,	PUNCT
cblr-3007	511	15	even	even	ADV
cblr-3007	511	16	during	during	ADP
cblr-3007	511	17	its	its	PRON
cblr-3007	511	18	infancy	infancy	NOUN
cblr-3007	511	19	.	.	PUNCT
cblr-3007	512	1	credit	credit	NOUN
cblr-3007	512	2	card	card	NOUN
cblr-3007	512	3	systems	system	NOUN
cblr-3007	512	4	that	that	PRON
cblr-3007	512	5	were	be	AUX
cblr-3007	512	6	devoid	devoid	ADJ
cblr-3007	512	7	of	of	ADP
cblr-3007	512	8	any	any	DET
cblr-3007	512	9	semblance	semblance	NOUN
cblr-3007	512	10	of	of	ADP
cblr-3007	512	11	market	market	NOUN
cblr-3007	512	12	power	power	NOUN
cblr-3007	512	13	used	use	VERB
cblr-3007	512	14	interchange	interchange	NOUN
cblr-3007	512	15	fees	fee	NOUN
cblr-3007	512	16	in	in	ADP
cblr-3007	512	17	order	order	NOUN
cblr-3007	512	18	to	to	PART
cblr-3007	512	19	help	help	VERB
cblr-3007	512	20	issuing	issue	VERB
cblr-3007	512	21	banks	bank	NOUN
cblr-3007	512	22	to	to	PART
cblr-3007	512	23	woo	woo	VERB
cblr-3007	512	24	credit	credit	NOUN
cblr-3007	512	25	card	card	NOUN
cblr-3007	512	26	customers	customer	NOUN
cblr-3007	512	27	.	.	PUNCT
cblr-3007	513	1	this	this	DET
cblr-3007	513	2	history	history	NOUN
cblr-3007	513	3	is	be	AUX
cblr-3007	513	4	consistent	consistent	ADJ
cblr-3007	513	5	with	with	ADP
cblr-3007	513	6	the	the	DET
cblr-3007	513	7	view	view	NOUN
cblr-3007	513	8	that	that	SCONJ
cblr-3007	513	9	two	two	NUM
cblr-3007	513	10	-	-	PUNCT
cblr-3007	513	11	sided	sided	ADJ
cblr-3007	513	12	markets	market	NOUN
cblr-3007	513	13	require	require	VERB
cblr-3007	513	14	these	these	DET
cblr-3007	513	15	types	type	NOUN
cblr-3007	513	16	of	of	ADP
cblr-3007	513	17	internal	internal	ADJ
cblr-3007	513	18	adjustments	adjustment	NOUN
cblr-3007	513	19	,	,	PUNCT
cblr-3007	513	20	wholly	wholly	ADV
cblr-3007	513	21	without	without	ADP
cblr-3007	513	22	regard	regard	NOUN
cblr-3007	513	23	to	to	ADP
cblr-3007	513	24	grand	grand	ADJ
cblr-3007	513	25	considerations	consideration	NOUN
cblr-3007	513	26	of	of	ADP
cblr-3007	513	27	monopoly	monopoly	NOUN
cblr-3007	513	28	and	and	CCONJ
cblr-3007	513	29	market	market	NOUN
cblr-3007	513	30	structure	structure	NOUN
cblr-3007	513	31	.	.	PUNCT
cblr-3007	514	1	similar	similar	ADJ
cblr-3007	514	2	to	to	ADP
cblr-3007	514	3	the	the	DET
cblr-3007	514	4	way	way	NOUN
cblr-3007	514	5	small	small	ADJ
cblr-3007	514	6	bars	bar	NOUN
cblr-3007	514	7	may	may	AUX
cblr-3007	514	8	charge	charge	VERB
cblr-3007	514	9	different	different	ADJ
cblr-3007	514	10	prices	price	NOUN
cblr-3007	514	11	to	to	ADP
cblr-3007	514	12	men	man	NOUN
cblr-3007	514	13	and	and	CCONJ
cblr-3007	514	14	women	woman	NOUN
cblr-3007	514	15	,	,	PUNCT
cblr-3007	514	16	small	small	ADJ
cblr-3007	514	17	(	(	PUNCT
cblr-3007	514	18	and	and	CCONJ
cblr-3007	514	19	large	large	ADJ
cblr-3007	514	20	)	)	PUNCT
cblr-3007	514	21	credit	credit	NOUN
cblr-3007	514	22	card	card	NOUN
cblr-3007	514	23	companies	company	NOUN
cblr-3007	514	24	have	have	AUX
cblr-3007	514	25	used	use	VERB
cblr-3007	514	26	the	the	DET
cblr-3007	514	27	same	same	ADJ
cblr-3007	514	28	strategy	strategy	NOUN
cblr-3007	514	29	for	for	ADP
cblr-3007	514	30	predominantly	predominantly	ADV
cblr-3007	514	31	the	the	DET
cblr-3007	514	32	same	same	ADJ
cblr-3007	514	33	efficiency	efficiency	NOUN
cblr-3007	514	34	-	-	PUNCT
cblr-3007	514	35	driven	drive	VERB
cblr-3007	514	36	reasons	reason	NOUN
cblr-3007	514	37	.	.	PUNCT
cblr-3007	515	1	any	any	DET
cblr-3007	515	2	surcharge	surcharge	NOUN
cblr-3007	515	3	imposed	impose	VERB
cblr-3007	515	4	by	by	ADP
cblr-3007	515	5	issuing	issue	VERB
cblr-3007	515	6	banks	bank	NOUN
cblr-3007	515	7	on	on	ADP
cblr-3007	515	8	cardholders	cardholder	NOUN
cblr-3007	515	9	has	have	VERB
cblr-3007	515	10	two	two	NUM
cblr-3007	515	11	distinct	distinct	ADJ
cblr-3007	515	12	disadvantages	disadvantage	NOUN
cblr-3007	515	13	.	.	PUNCT
cblr-3007	516	1	first	first	ADV
cblr-3007	516	2	,	,	PUNCT
cblr-3007	516	3	it	it	PRON
cblr-3007	516	4	forecloses	foreclose	VERB
cblr-3007	516	5	the	the	DET
cblr-3007	516	6	possibility	possibility	NOUN
cblr-3007	516	7	of	of	ADP
cblr-3007	516	8	merchant	merchant	NOUN
cblr-3007	516	9	subsidies	subsidy	NOUN
cblr-3007	516	10	for	for	ADP
cblr-3007	516	11	cardholders	cardholder	NOUN
cblr-3007	516	12	:	:	PUNCT
cblr-3007	516	13	once	once	SCONJ
cblr-3007	516	14	the	the	DET
cblr-3007	516	15	lines	line	NOUN
cblr-3007	516	16	of	of	ADP
cblr-3007	516	17	communication	communication	NOUN
cblr-3007	516	18	are	be	AUX
cblr-3007	516	19	cut	cut	VERB
cblr-3007	516	20	,	,	PUNCT
cblr-3007	516	21	it	it	PRON
cblr-3007	516	22	is	be	AUX
cblr-3007	516	23	impossible	impossible	ADJ
cblr-3007	516	24	to	to	PART
cblr-3007	516	25	run	run	VERB
cblr-3007	516	26	cost	cost	NOUN
cblr-3007	516	27	subsidies	subsidy	NOUN
cblr-3007	516	28	.	.	PUNCT
cblr-3007	517	1	second	second	ADJ
cblr-3007	517	2	,	,	PUNCT
cblr-3007	517	3	this	this	DET
cblr-3007	517	4	new	new	ADJ
cblr-3007	517	5	fee	fee	NOUN
cblr-3007	517	6	structure	structure	NOUN
cblr-3007	517	7	creates	create	VERB
cblr-3007	517	8	yet	yet	ADV
cblr-3007	517	9	another	another	DET
cblr-3007	517	10	level	level	NOUN
cblr-3007	517	11	of	of	ADP
cblr-3007	517	12	uncertainty	uncertainty	NOUN
cblr-3007	517	13	and	and	CCONJ
cblr-3007	517	14	confusion	confusion	NOUN
cblr-3007	517	15	.	.	PUNCT
cblr-3007	518	1	in	in	ADP
cblr-3007	518	2	principle	principle	NOUN
cblr-3007	518	3	,	,	PUNCT
cblr-3007	518	4	a	a	DET
cblr-3007	518	5	potential	potential	ADJ
cblr-3007	518	6	purchaser	purchaser	NOUN
cblr-3007	518	7	in	in	ADP
cblr-3007	518	8	a	a	DET
cblr-3007	518	9	store	store	NOUN
cblr-3007	518	10	would	would	AUX
cblr-3007	518	11	like	like	VERB
cblr-3007	518	12	to	to	PART
cblr-3007	518	13	know	know	VERB
cblr-3007	518	14	the	the	DET
cblr-3007	518	15	total	total	ADJ
cblr-3007	518	16	transaction	transaction	NOUN
cblr-3007	518	17	price	price	NOUN
cblr-3007	518	18	at	at	ADP
cblr-3007	518	19	the	the	DET
cblr-3007	518	20	moment	moment	NOUN
cblr-3007	518	21	that	that	SCONJ
cblr-3007	518	22	goods	good	NOUN
cblr-3007	518	23	or	or	CCONJ
cblr-3007	518	24	services	service	NOUN
cblr-3007	518	25	are	be	AUX
cblr-3007	518	26	purchased	purchase	VERB
cblr-3007	518	27	.	.	PUNCT
cblr-3007	519	1	that	that	DET
cblr-3007	519	2	determination	determination	NOUN
cblr-3007	519	3	is	be	AUX
cblr-3007	519	4	not	not	PART
cblr-3007	519	5	possible	possible	ADJ
cblr-3007	519	6	if	if	SCONJ
cblr-3007	519	7	there	there	PRON
cblr-3007	519	8	is	be	VERB
cblr-3007	519	9	a	a	DET
cblr-3007	519	10	subsequent	subsequent	ADJ
cblr-3007	519	11	service	service	NOUN
cblr-3007	519	12	charge	charge	NOUN
cblr-3007	519	13	of	of	ADP
cblr-3007	519	14	unknown	unknown	ADJ
cblr-3007	519	15	size	size	NOUN
cblr-3007	519	16	on	on	ADP
cblr-3007	519	17	the	the	DET
cblr-3007	519	18	credit	credit	NOUN
cblr-3007	519	19	transaction	transaction	NOUN
cblr-3007	519	20	of	of	ADP
cblr-3007	519	21	which	which	PRON
cblr-3007	519	22	the	the	DET
cblr-3007	519	23	merchant	merchant	NOUN
cblr-3007	519	24	is	be	AUX
cblr-3007	519	25	ignorant	ignorant	ADJ
cblr-3007	519	26	.	.	PUNCT
cblr-3007	520	1	in	in	ADP
cblr-3007	520	2	such	such	DET
cblr-3007	520	3	a	a	DET
cblr-3007	520	4	case	case	NOUN
cblr-3007	520	5	,	,	PUNCT
cblr-3007	520	6	the	the	DET
cblr-3007	520	7	customer	customer	NOUN
cblr-3007	520	8	has	have	VERB
cblr-3007	520	9	to	to	PART
cblr-3007	520	10	wait	wait	VERB
cblr-3007	520	11	until	until	SCONJ
cblr-3007	520	12	he	he	PRON
cblr-3007	520	13	receives	receive	VERB
cblr-3007	520	14	his	his	PRON
cblr-3007	520	15	bank	bank	NOUN
cblr-3007	520	16	statement	statement	NOUN
cblr-3007	520	17	to	to	PART
cblr-3007	520	18	be	be	AUX
cblr-3007	520	19	sure	sure	ADJ
cblr-3007	520	20	of	of	ADP
cblr-3007	520	21	the	the	DET
cblr-3007	520	22	exact	exact	ADJ
cblr-3007	520	23	charges	charge	NOUN
cblr-3007	520	24	.	.	PUNCT
cblr-3007	521	1	if	if	SCONJ
cblr-3007	521	2	there	there	PRON
cblr-3007	521	3	are	be	VERB
cblr-3007	521	4	multiple	multiple	ADJ
cblr-3007	521	5	transactions	transaction	NOUN
cblr-3007	521	6	,	,	PUNCT
cblr-3007	521	7	there	there	PRON
cblr-3007	521	8	is	be	VERB
cblr-3007	521	9	a	a	DET
cblr-3007	521	10	greater	great	ADJ
cblr-3007	521	11	likelihood	likelihood	NOUN
cblr-3007	521	12	of	of	ADP
cblr-3007	521	13	squabbles	squabble	NOUN
cblr-3007	521	14	over	over	ADP
cblr-3007	521	15	individual	individual	ADJ
cblr-3007	521	16	bills	bill	NOUN
cblr-3007	521	17	,	,	PUNCT
cblr-3007	521	18	especially	especially	ADV
cblr-3007	521	19	if	if	SCONJ
cblr-3007	521	20	the	the	DET
cblr-3007	521	21	surcharge	surcharge	NOUN
cblr-3007	521	22	in	in	ADP
cblr-3007	521	23	question	question	NOUN
cblr-3007	521	24	is	be	AUX
cblr-3007	521	25	not	not	PART
cblr-3007	521	26	denominated	denominate	VERB
cblr-3007	521	27	as	as	ADP
cblr-3007	521	28	a	a	DET
cblr-3007	521	29	simple	simple	ADJ
cblr-3007	521	30	fraction	fraction	NOUN
cblr-3007	521	31	of	of	ADP
cblr-3007	521	32	the	the	DET
cblr-3007	521	33	total	total	ADJ
cblr-3007	521	34	bill	bill	NOUN
cblr-3007	521	35	.	.	PUNCT
cblr-3007	522	1	yet	yet	ADV
cblr-3007	522	2	imposing	impose	VERB
cblr-3007	522	3	a	a	DET
cblr-3007	522	4	flat	flat	ADJ
cblr-3007	522	5	fee	fee	NOUN
cblr-3007	522	6	reduces	reduce	VERB
cblr-3007	522	7	the	the	DET
cblr-3007	522	8	ability	ability	NOUN
cblr-3007	522	9	to	to	PART
cblr-3007	522	10	differentiate	differentiate	VERB
cblr-3007	522	11	between	between	ADP
cblr-3007	522	12	different	different	ADJ
cblr-3007	522	13	types	type	NOUN
cblr-3007	522	14	of	of	ADP
cblr-3007	522	15	payment	payment	NOUN
cblr-3007	522	16	arrangements	arrangement	NOUN
cblr-3007	522	17	adopted	adopt	VERB
cblr-3007	522	18	by	by	ADP
cblr-3007	522	19	merchants	merchant	NOUN
cblr-3007	522	20	-	-	PUNCT
cblr-3007	522	21	such	such	ADJ
cblr-3007	522	22	as	as	ADP
cblr-3007	522	23	electronic	electronic	ADJ
cblr-3007	522	24	and	and	CCONJ
cblr-3007	522	25	non	non	ADJ
cblr-3007	522	26	-	-	ADJ
cblr-3007	522	27	electronic	electronic	ADJ
cblr-3007	522	28	processing	processing	NOUN
cblr-3007	522	29	.	.	PUNCT
cblr-3007	523	1	furthermore	furthermore	ADV
cblr-3007	523	2	,	,	PUNCT
cblr-3007	523	3	even	even	ADV
cblr-3007	523	4	if	if	SCONJ
cblr-3007	523	5	the	the	DET
cblr-3007	523	6	issuing	issue	VERB
cblr-3007	523	7	bank	bank	NOUN
cblr-3007	523	8	instantaneously	instantaneously	ADV
cblr-3007	523	9	disclosed	disclose	VERB
cblr-3007	523	10	the	the	DET
cblr-3007	523	11	fee	fee	NOUN
cblr-3007	523	12	to	to	ADP
cblr-3007	523	13	the	the	DET
cblr-3007	523	14	merchant	merchant	NOUN
cblr-3007	523	15	,	,	PUNCT
cblr-3007	523	16	it	it	PRON
cblr-3007	523	17	would	would	AUX
cblr-3007	523	18	merely	merely	ADV
cblr-3007	523	19	replicate	replicate	VERB
cblr-3007	523	20	the	the	DET
cblr-3007	523	21	unpopular	unpopular	ADJ
cblr-3007	523	22	system	system	NOUN
cblr-3007	523	23	of	of	ADP
cblr-3007	523	24	surcharges	surcharge	NOUN
cblr-3007	523	25	at	at	ADP
cblr-3007	523	26	the	the	DET
cblr-3007	523	27	the	the	DET
cblr-3007	523	28	regulation	regulation	NOUN
cblr-3007	523	29	of	of	ADP
cblr-3007	523	30	interchange	interchange	NOUN
cblr-3007	523	31	feesno	feesno	NOUN
cblr-3007	523	32	.	.	PUNCT
cblr-3007	524	1	3:5511	3:5511	NUM
cblr-3007	524	2	merchant	merchant	NOUN
cblr-3007	524	3	level	level	NOUN
cblr-3007	524	4	.	.	PUNCT
cblr-3007	525	1	the	the	DET
cblr-3007	525	2	argument	argument	NOUN
cblr-3007	525	3	in	in	ADP
cblr-3007	525	4	favor	favor	NOUN
cblr-3007	525	5	of	of	ADP
cblr-3007	525	6	the	the	DET
cblr-3007	525	7	current	current	ADJ
cblr-3007	525	8	contract	contract	NOUN
cblr-3007	525	9	provision	provision	NOUN
cblr-3007	525	10	is	be	AUX
cblr-3007	525	11	not	not	PART
cblr-3007	525	12	that	that	SCONJ
cblr-3007	525	13	the	the	DET
cblr-3007	525	14	no	no	DET
cblr-3007	525	15	surcharge	surcharge	NOUN
cblr-3007	525	16	rule	rule	NOUN
cblr-3007	525	17	is	be	AUX
cblr-3007	525	18	perfect	perfect	ADJ
cblr-3007	525	19	.	.	PUNCT
cblr-3007	526	1	rather	rather	ADV
cblr-3007	526	2	,	,	PUNCT
cblr-3007	526	3	it	it	PRON
cblr-3007	526	4	is	be	AUX
cblr-3007	526	5	that	that	SCONJ
cblr-3007	526	6	the	the	DET
cblr-3007	526	7	set	set	NOUN
cblr-3007	526	8	of	of	ADP
cblr-3007	526	9	advantages	advantage	NOUN
cblr-3007	526	10	and	and	CCONJ
cblr-3007	526	11	disadvantages	disadvantage	NOUN
cblr-3007	526	12	are	be	AUX
cblr-3007	526	13	so	so	ADV
cblr-3007	526	14	difficult	difficult	ADJ
cblr-3007	526	15	to	to	PART
cblr-3007	526	16	untangle	untangle	VERB
cblr-3007	526	17	that	that	SCONJ
cblr-3007	526	18	these	these	DET
cblr-3007	526	19	fees	fee	NOUN
cblr-3007	526	20	are	be	AUX
cblr-3007	526	21	not	not	PART
cblr-3007	526	22	an	an	DET
cblr-3007	526	23	ideal	ideal	ADJ
cblr-3007	526	24	target	target	NOUN
cblr-3007	526	25	of	of	ADP
cblr-3007	526	26	regulation	regulation	NOUN
cblr-3007	526	27	.	.	PUNCT
cblr-3007	527	1	v.	v.	ADP
cblr-3007	527	2	the	the	DET
cblr-3007	527	3	uses	use	NOUN
cblr-3007	527	4	and	and	CCONJ
cblr-3007	527	5	limits	limit	NOUN
cblr-3007	527	6	of	of	ADP
cblr-3007	527	7	credit	credit	NOUN
cblr-3007	527	8	card	card	NOUN
cblr-3007	527	9	regulation	regulation	NOUN
cblr-3007	527	10	in	in	ADP
cblr-3007	527	11	one	one	NUM
cblr-3007	527	12	broad	broad	ADJ
cblr-3007	527	13	sense	sense	NOUN
cblr-3007	527	14	,	,	PUNCT
cblr-3007	527	15	both	both	CCONJ
cblr-3007	527	16	the	the	DET
cblr-3007	527	17	interchange	interchange	NOUN
cblr-3007	527	18	and	and	CCONJ
cblr-3007	527	19	the	the	DET
cblr-3007	527	20	surcharge	surcharge	NOUN
cblr-3007	527	21	regulations	regulation	NOUN
cblr-3007	527	22	are	be	AUX
cblr-3007	527	23	efforts	effort	NOUN
cblr-3007	527	24	to	to	PART
cblr-3007	527	25	regulate	regulate	VERB
cblr-3007	527	26	the	the	DET
cblr-3007	527	27	payment	payment	NOUN
cblr-3007	527	28	systems	system	NOUN
cblr-3007	527	29	industry	industry	NOUN
cblr-3007	527	30	.	.	PUNCT
cblr-3007	528	1	however	however	ADV
cblr-3007	528	2	,	,	PUNCT
cblr-3007	528	3	the	the	DET
cblr-3007	528	4	two	two	NUM
cblr-3007	528	5	regulations	regulation	NOUN
cblr-3007	528	6	differ	differ	VERB
cblr-3007	528	7	in	in	ADP
cblr-3007	528	8	dramatic	dramatic	ADJ
cblr-3007	528	9	ways	way	NOUN
cblr-3007	528	10	in	in	ADP
cblr-3007	528	11	their	their	PRON
cblr-3007	528	12	institutional	institutional	ADJ
cblr-3007	528	13	implications	implication	NOUN
cblr-3007	528	14	.	.	PUNCT
cblr-3007	529	1	there	there	PRON
cblr-3007	529	2	are	be	VERB
cblr-3007	529	3	no	no	DET
cblr-3007	529	4	obstacles	obstacle	NOUN
cblr-3007	529	5	preventing	prevent	VERB
cblr-3007	529	6	the	the	DET
cblr-3007	529	7	implementation	implementation	NOUN
cblr-3007	529	8	of	of	ADP
cblr-3007	529	9	surcharge	surcharge	NOUN
cblr-3007	529	10	regulation	regulation	NOUN
cblr-3007	529	11	on	on	ADP
cblr-3007	529	12	a	a	DET
cblr-3007	529	13	permanent	permanent	ADJ
cblr-3007	529	14	basis	basis	NOUN
cblr-3007	529	15	.	.	PUNCT
cblr-3007	530	1	the	the	DET
cblr-3007	530	2	only	only	ADJ
cblr-3007	530	3	change	change	NOUN
cblr-3007	530	4	required	require	VERB
cblr-3007	530	5	is	be	AUX
cblr-3007	530	6	to	to	PART
cblr-3007	530	7	strike	strike	VERB
cblr-3007	530	8	surcharge	surcharge	NOUN
cblr-3007	530	9	clauses	clause	NOUN
cblr-3007	530	10	from	from	ADP
cblr-3007	530	11	contracts	contract	NOUN
cblr-3007	530	12	.	.	PUNCT
cblr-3007	531	1	there	there	PRON
cblr-3007	531	2	is	be	VERB
cblr-3007	531	3	no	no	DET
cblr-3007	531	4	need	need	NOUN
cblr-3007	531	5	for	for	ADP
cblr-3007	531	6	any	any	DET
cblr-3007	531	7	continuing	continue	VERB
cblr-3007	531	8	oversight	oversight	NOUN
cblr-3007	531	9	or	or	CCONJ
cblr-3007	531	10	enforcement	enforcement	NOUN
cblr-3007	531	11	of	of	ADP
cblr-3007	531	12	the	the	DET
cblr-3007	531	13	provision	provision	NOUN
cblr-3007	531	14	,	,	PUNCT
cblr-3007	531	15	as	as	SCONJ
cblr-3007	531	16	nature	nature	NOUN
cblr-3007	531	17	will	will	AUX
cblr-3007	531	18	take	take	VERB
cblr-3007	531	19	its	its	PRON
cblr-3007	531	20	own	own	ADJ
cblr-3007	531	21	course	course	NOUN
cblr-3007	531	22	in	in	ADP
cblr-3007	531	23	the	the	DET
cblr-3007	531	24	adjustment	adjustment	NOUN
cblr-3007	531	25	of	of	ADP
cblr-3007	531	26	other	other	ADJ
cblr-3007	531	27	terms	term	NOUN
cblr-3007	531	28	and	and	CCONJ
cblr-3007	531	29	practices	practice	NOUN
cblr-3007	531	30	.	.	PUNCT
cblr-3007	532	1	setting	set	VERB
cblr-3007	532	2	the	the	DET
cblr-3007	532	3	interchange	interchange	NOUN
cblr-3007	532	4	fees	fee	NOUN
cblr-3007	532	5	,	,	PUNCT
cblr-3007	532	6	however	however	ADV
cblr-3007	532	7	,	,	PUNCT
cblr-3007	532	8	is	be	AUX
cblr-3007	532	9	an	an	DET
cblr-3007	532	10	entirely	entirely	ADV
cblr-3007	532	11	different	different	ADJ
cblr-3007	532	12	proposition	proposition	NOUN
cblr-3007	532	13	that	that	PRON
cblr-3007	532	14	raises	raise	VERB
cblr-3007	532	15	all	all	PRON
cblr-3007	532	16	of	of	ADP
cblr-3007	532	17	the	the	DET
cblr-3007	532	18	nasty	nasty	ADJ
cblr-3007	532	19	complexities	complexity	NOUN
cblr-3007	532	20	associated	associate	VERB
cblr-3007	532	21	with	with	ADP
cblr-3007	532	22	ratemaking	ratemaking	NOUN
cblr-3007	532	23	procedures	procedure	NOUN
cblr-3007	532	24	that	that	PRON
cblr-3007	532	25	have	have	AUX
cblr-3007	532	26	traditionally	traditionally	ADV
cblr-3007	532	27	been	be	AUX
cblr-3007	532	28	invoked	invoke	VERB
cblr-3007	532	29	to	to	PART
cblr-3007	532	30	deal	deal	VERB
cblr-3007	532	31	with	with	ADP
cblr-3007	532	32	natural	natural	ADJ
cblr-3007	532	33	monopolies	monopoly	NOUN
cblr-3007	532	34	.	.	PUNCT
cblr-3007	533	1	the	the	DET
cblr-3007	533	2	first	first	ADJ
cblr-3007	533	3	step	step	NOUN
cblr-3007	533	4	of	of	ADP
cblr-3007	533	5	the	the	DET
cblr-3007	533	6	analysis	analysis	NOUN
cblr-3007	533	7	is	be	AUX
cblr-3007	533	8	to	to	PART
cblr-3007	533	9	determine	determine	VERB
cblr-3007	533	10	those	those	DET
cblr-3007	533	11	categories	category	NOUN
cblr-3007	533	12	of	of	ADP
cblr-3007	533	13	expenses	expense	NOUN
cblr-3007	533	14	that	that	PRON
cblr-3007	533	15	should	should	AUX
cblr-3007	533	16	be	be	AUX
cblr-3007	533	17	included	include	VERB
cblr-3007	533	18	in	in	ADP
cblr-3007	533	19	the	the	DET
cblr-3007	533	20	rate	rate	NOUN
cblr-3007	533	21	base	base	NOUN
cblr-3007	533	22	.	.	PUNCT
cblr-3007	534	1	the	the	DET
cblr-3007	534	2	rba	rba	NOUN
cblr-3007	534	3	,	,	PUNCT
cblr-3007	534	4	in	in	ADP
cblr-3007	534	5	its	its	PRON
cblr-3007	534	6	initial	initial	ADJ
cblr-3007	534	7	findings	finding	NOUN
cblr-3007	534	8	,	,	PUNCT
cblr-3007	534	9	took	take	VERB
cblr-3007	534	10	the	the	DET
cblr-3007	534	11	hard	hard	ADJ
cblr-3007	534	12	line	line	NOUN
cblr-3007	534	13	that	that	SCONJ
cblr-3007	534	14	the	the	DET
cblr-3007	534	15	only	only	ADJ
cblr-3007	534	16	expenses	expense	NOUN
cblr-3007	534	17	covered	cover	VERB
cblr-3007	534	18	were	be	AUX
cblr-3007	534	19	those	those	PRON
cblr-3007	534	20	that	that	PRON
cblr-3007	534	21	related	relate	VERB
cblr-3007	534	22	to	to	ADP
cblr-3007	534	23	either	either	CCONJ
cblr-3007	534	24	the	the	DET
cblr-3007	534	25	processing	processing	NOUN
cblr-3007	534	26	of	of	ADP
cblr-3007	534	27	transactions	transaction	NOUN
cblr-3007	534	28	or	or	CCONJ
cblr-3007	534	29	the	the	DET
cblr-3007	534	30	prevention	prevention	NOUN
cblr-3007	534	31	of	of	ADP
cblr-3007	534	32	fraud	fraud	NOUN
cblr-3007	534	33	.	.	PUNCT
cblr-3007	535	1	the	the	DET
cblr-3007	535	2	cost	cost	NOUN
cblr-3007	535	3	of	of	ADP
cblr-3007	535	4	an	an	DET
cblr-3007	535	5	"	"	PUNCT
cblr-3007	535	6	interest	interest	NOUN
cblr-3007	535	7	-	-	PUNCT
cblr-3007	535	8	free	free	ADJ
cblr-3007	535	9	period	period	NOUN
cblr-3007	535	10	,	,	PUNCT
cblr-3007	535	11	"	"	PUNCT
cblr-3007	535	12	which	which	PRON
cblr-3007	535	13	it	it	PRON
cblr-3007	535	14	makes	make	VERB
cblr-3007	535	15	sense	sense	NOUN
cblr-3007	535	16	to	to	PART
cblr-3007	535	17	include	include	VERB
cblr-3007	535	18	under	under	ADP
cblr-3007	535	19	a	a	DET
cblr-3007	535	20	sound	sound	ADJ
cblr-3007	535	21	analysis	analysis	NOUN
cblr-3007	535	22	of	of	ADP
cblr-3007	535	23	two	two	NUM
cblr-3007	535	24	-	-	PUNCT
cblr-3007	535	25	sided	sided	ADJ
cblr-3007	535	26	markets	market	NOUN
cblr-3007	535	27	,	,	PUNCT
cblr-3007	535	28	was	be	AUX
cblr-3007	535	29	excluded	exclude	VERB
cblr-3007	535	30	from	from	ADP
cblr-3007	535	31	the	the	DET
cblr-3007	535	32	base	base	NOUN
cblr-3007	535	33	on	on	ADP
cblr-3007	535	34	the	the	DET
cblr-3007	535	35	grounds	ground	NOUN
cblr-3007	535	36	that	that	SCONJ
cblr-3007	535	37	it	it	PRON
cblr-3007	535	38	"	"	PUNCT
cblr-3007	535	39	is	be	AUX
cblr-3007	535	40	a	a	DET
cblr-3007	535	41	matter	matter	NOUN
cblr-3007	535	42	exclusively	exclusively	ADV
cblr-3007	535	43	between	between	ADP
cblr-3007	535	44	individual	individual	ADJ
cblr-3007	535	45	card	card	NOUN
cblr-3007	535	46	issuers	issuer	NOUN
cblr-3007	535	47	and	and	CCONJ
cblr-3007	535	48	their	their	PRON
cblr-3007	535	49	customers	customer	NOUN
cblr-3007	535	50	.	.	PUNCT
cblr-3007	536	1	"	"	PUNCT
cblr-3007	536	2	"	"	PUNCT
cblr-3007	536	3	the	the	DET
cblr-3007	536	4	same	same	ADJ
cblr-3007	536	5	arguments	argument	NOUN
cblr-3007	536	6	apply	apply	VERB
cblr-3007	536	7	to	to	ADP
cblr-3007	536	8	"	"	PUNCT
cblr-3007	536	9	loyalty	loyalty	NOUN
cblr-3007	536	10	programs	program	NOUN
cblr-3007	536	11	"	"	PUNCT
cblr-3007	536	12	that	that	SCONJ
cblr-3007	536	13	issuing	issue	VERB
cblr-3007	536	14	banks	bank	NOUN
cblr-3007	536	15	use	use	VERB
cblr-3007	536	16	to	to	PART
cblr-3007	536	17	attract	attract	VERB
cblr-3007	536	18	and	and	CCONJ
cblr-3007	536	19	keep	keep	VERB
cblr-3007	536	20	customers	customer	NOUN
cblr-3007	536	21	3	3	NUM
cblr-3007	536	22	and	and	CCONJ
cblr-3007	536	23	,	,	PUNCT
cblr-3007	536	24	more	more	ADV
cblr-3007	536	25	dubiously	dubiously	ADV
cblr-3007	536	26	,	,	PUNCT
cblr-3007	536	27	to	to	ADP
cblr-3007	536	28	various	various	ADJ
cblr-3007	536	29	fees	fee	NOUN
cblr-3007	536	30	for	for	ADP
cblr-3007	536	31	starting	start	VERB
cblr-3007	536	32	3	3	NUM
cblr-3007	536	33	"	"	PUNCT
cblr-3007	536	34	rba	rba	NOUN
cblr-3007	536	35	,	,	PUNCT
cblr-3007	536	36	australia	australia	PROPN
cblr-3007	536	37	reform	reform	NOUN
cblr-3007	536	38	,	,	PUNCT
cblr-3007	536	39	supra	supra	PROPN
cblr-3007	536	40	note	note	NOUN
cblr-3007	536	41	3	3	NUM
cblr-3007	536	42	,	,	PUNCT
cblr-3007	536	43	at	at	ADP
cblr-3007	536	44	49	49	NUM
cblr-3007	536	45	.	.	PUNCT
cblr-3007	537	1	36	36	NUM
cblr-3007	538	1	i	i	PRON
cblr-3007	538	2	d.	d.	NOUN
cblr-3007	538	3	at	at	ADP
cblr-3007	538	4	49	49	NUM
cblr-3007	538	5	-	-	SYM
cblr-3007	538	6	50	50	NUM
cblr-3007	538	7	.	.	PUNCT
cblr-3007	538	8	col	col	PROPN
cblr-3007	538	9	umbia	umbia	PROPN
cblr-3007	538	10	b	b	PROPN
cblr-3007	539	1	usiness	usiness	PROPN
cblr-3007	539	2	la	la	PROPN
cblr-3007	539	3	w	w	PROPN
cblr-3007	539	4	re	re	PROPN
cblr-3007	539	5	vie	vie	PROPN
cblr-3007	539	6	w	w	PROPN
cblr-3007	540	1	[	[	X
cblr-3007	540	2	vol	vol	NOUN
cblr-3007	540	3	.	.	PUNCT
cblr-3007	540	4	2005	2005	NUM
cblr-3007	540	5	the	the	DET
cblr-3007	540	6	regula	regula	NOUN
cblr-3007	540	7	tion	tion	NOUN
cblr-3007	540	8	of	of	ADP
cblr-3007	540	9	interchange	interchange	NOUN
cblr-3007	540	10	fees	fee	NOUN
cblr-3007	540	11	and	and	CCONJ
cblr-3007	540	12	maintaining	maintain	VERB
cblr-3007	540	13	a	a	DET
cblr-3007	540	14	network	network	NOUN
cblr-3007	540	15	,	,	PUNCT
cblr-3007	540	16	even	even	ADV
cblr-3007	540	17	though	though	SCONJ
cblr-3007	540	18	these	these	DET
cblr-3007	540	19	relationships	relationship	NOUN
cblr-3007	540	20	have	have	VERB
cblr-3007	540	21	no	no	DET
cblr-3007	540	22	exclusivity	exclusivity	NOUN
cblr-3007	540	23	features.37	features.37	NOUN
cblr-3007	540	24	in	in	ADP
cblr-3007	540	25	effect	effect	NOUN
cblr-3007	540	26	,	,	PUNCT
cblr-3007	540	27	the	the	DET
cblr-3007	540	28	rba	rba	NOUN
cblr-3007	540	29	's	's	PART
cblr-3007	540	30	solution	solution	NOUN
cblr-3007	540	31	fixed	fix	VERB
cblr-3007	540	32	the	the	DET
cblr-3007	540	33	interchange	interchange	NOUN
cblr-3007	540	34	fee	fee	NOUN
cblr-3007	540	35	and	and	CCONJ
cblr-3007	540	36	thus	thus	ADV
cblr-3007	540	37	eliminated	eliminate	VERB
cblr-3007	540	38	it	it	PRON
cblr-3007	540	39	as	as	ADP
cblr-3007	540	40	a	a	DET
cblr-3007	540	41	source	source	NOUN
cblr-3007	540	42	of	of	ADP
cblr-3007	540	43	competition	competition	NOUN
cblr-3007	540	44	between	between	ADP
cblr-3007	540	45	the	the	DET
cblr-3007	540	46	various	various	ADJ
cblr-3007	540	47	payment	payment	NOUN
cblr-3007	540	48	systems	system	NOUN
cblr-3007	540	49	.	.	PUNCT
cblr-3007	541	1	at	at	ADP
cblr-3007	541	2	that	that	DET
cblr-3007	541	3	point	point	NOUN
cblr-3007	541	4	,	,	PUNCT
cblr-3007	541	5	the	the	DET
cblr-3007	541	6	operating	operating	NOUN
cblr-3007	541	7	costs	cost	NOUN
cblr-3007	541	8	had	have	VERB
cblr-3007	541	9	to	to	PART
cblr-3007	541	10	come	come	VERB
cblr-3007	541	11	out	out	ADP
cblr-3007	541	12	of	of	ADP
cblr-3007	541	13	bank	bank	NOUN
cblr-3007	541	14	profits	profit	NOUN
cblr-3007	541	15	or	or	CCONJ
cblr-3007	541	16	cardholder	cardholder	VERB
cblr-3007	541	17	fees	fee	NOUN
cblr-3007	541	18	,	,	PUNCT
cblr-3007	541	19	whether	whether	SCONJ
cblr-3007	541	20	on	on	ADP
cblr-3007	541	21	a	a	DET
cblr-3007	541	22	per	per	X
cblr-3007	541	23	transaction	transaction	NOUN
cblr-3007	541	24	or	or	CCONJ
cblr-3007	541	25	annual	annual	ADJ
cblr-3007	541	26	fee	fee	NOUN
cblr-3007	541	27	basis	basis	NOUN
cblr-3007	541	28	.	.	PUNCT
cblr-3007	542	1	the	the	DET
cblr-3007	542	2	interchange	interchange	NOUN
cblr-3007	542	3	fee	fee	NOUN
cblr-3007	542	4	had	have	VERB
cblr-3007	542	5	to	to	PART
cblr-3007	542	6	account	account	VERB
cblr-3007	542	7	for	for	ADP
cblr-3007	542	8	the	the	DET
cblr-3007	542	9	differential	differential	ADJ
cblr-3007	542	10	demands	demand	NOUN
cblr-3007	542	11	found	find	VERB
cblr-3007	542	12	in	in	ADP
cblr-3007	542	13	twosided	twoside	VERB
cblr-3007	542	14	markets	market	NOUN
cblr-3007	542	15	in	in	ADP
cblr-3007	542	16	order	order	NOUN
cblr-3007	542	17	for	for	SCONJ
cblr-3007	542	18	the	the	DET
cblr-3007	542	19	merchants	merchant	NOUN
cblr-3007	542	20	to	to	PART
cblr-3007	542	21	capture	capture	VERB
cblr-3007	542	22	the	the	DET
cblr-3007	542	23	full	full	ADJ
cblr-3007	542	24	range	range	NOUN
cblr-3007	542	25	of	of	ADP
cblr-3007	542	26	the	the	DET
cblr-3007	542	27	surplus	surplus	NOUN
cblr-3007	542	28	.	.	PUNCT
cblr-3007	543	1	the	the	DET
cblr-3007	543	2	rba	rba	NOUN
cblr-3007	543	3	thought	think	VERB
cblr-3007	543	4	that	that	SCONJ
cblr-3007	543	5	further	further	ADJ
cblr-3007	543	6	adjustments	adjustment	NOUN
cblr-3007	543	7	would	would	AUX
cblr-3007	543	8	take	take	VERB
cblr-3007	543	9	place	place	NOUN
cblr-3007	543	10	on	on	ADP
cblr-3007	543	11	both	both	DET
cblr-3007	543	12	sides	side	NOUN
cblr-3007	543	13	of	of	ADP
cblr-3007	543	14	the	the	DET
cblr-3007	543	15	markets	market	NOUN
cblr-3007	543	16	.	.	PUNCT
cblr-3007	544	1	merchants	merchant	NOUN
cblr-3007	544	2	would	would	AUX
cblr-3007	544	3	have	have	VERB
cblr-3007	544	4	some	some	DET
cblr-3007	544	5	incentive	incentive	NOUN
cblr-3007	544	6	to	to	PART
cblr-3007	544	7	pass	pass	VERB
cblr-3007	544	8	their	their	PRON
cblr-3007	544	9	lower	low	ADJ
cblr-3007	544	10	costs	cost	NOUN
cblr-3007	544	11	through	through	ADP
cblr-3007	544	12	to	to	ADP
cblr-3007	544	13	consumers	consumer	NOUN
cblr-3007	544	14	in	in	ADP
cblr-3007	544	15	the	the	DET
cblr-3007	544	16	form	form	NOUN
cblr-3007	544	17	of	of	ADP
cblr-3007	544	18	lower	low	ADJ
cblr-3007	544	19	prices	price	NOUN
cblr-3007	544	20	.	.	PUNCT
cblr-3007	545	1	likewise	likewise	ADV
cblr-3007	545	2	,	,	PUNCT
cblr-3007	545	3	issuing	issue	VERB
cblr-3007	545	4	banks	bank	NOUN
cblr-3007	545	5	would	would	AUX
cblr-3007	545	6	have	have	VERB
cblr-3007	545	7	an	an	DET
cblr-3007	545	8	incentive	incentive	NOUN
cblr-3007	545	9	to	to	PART
cblr-3007	545	10	raise	raise	VERB
cblr-3007	545	11	annual	annual	ADJ
cblr-3007	545	12	fees	fee	NOUN
cblr-3007	545	13	and	and	CCONJ
cblr-3007	545	14	transaction	transaction	NOUN
cblr-3007	545	15	fees	fee	NOUN
cblr-3007	545	16	to	to	PART
cblr-3007	545	17	cover	cover	VERB
cblr-3007	545	18	the	the	DET
cblr-3007	545	19	shortfall	shortfall	NOUN
cblr-3007	545	20	in	in	ADP
cblr-3007	545	21	revenue	revenue	NOUN
cblr-3007	545	22	.	.	PUNCT
cblr-3007	546	1	however	however	ADV
cblr-3007	546	2	,	,	PUNCT
cblr-3007	546	3	dollar	dollar	NOUN
cblr-3007	546	4	-	-	PUNCT
cblr-3007	546	5	for	for	ADP
cblr-3007	546	6	-	-	PUNCT
cblr-3007	546	7	dollar	dollar	NOUN
cblr-3007	546	8	passthroughs	passthrough	NOUN
cblr-3007	546	9	are	be	AUX
cblr-3007	546	10	unlikely	unlikely	ADJ
cblr-3007	546	11	on	on	ADP
cblr-3007	546	12	both	both	DET
cblr-3007	546	13	sides	side	NOUN
cblr-3007	546	14	of	of	ADP
cblr-3007	546	15	the	the	DET
cblr-3007	546	16	market	market	NOUN
cblr-3007	546	17	,	,	PUNCT
cblr-3007	546	18	in	in	ADP
cblr-3007	546	19	part	part	NOUN
cblr-3007	546	20	because	because	SCONJ
cblr-3007	546	21	of	of	ADP
cblr-3007	546	22	the	the	DET
cblr-3007	546	23	high	high	ADJ
cblr-3007	546	24	concentration	concentration	NOUN
cblr-3007	546	25	in	in	ADP
cblr-3007	546	26	both	both	CCONJ
cblr-3007	546	27	the	the	DET
cblr-3007	546	28	retail	retail	ADJ
cblr-3007	546	29	and	and	CCONJ
cblr-3007	546	30	banking	banking	NOUN
cblr-3007	546	31	sectors	sector	NOUN
cblr-3007	546	32	of	of	ADP
cblr-3007	546	33	the	the	DET
cblr-3007	546	34	australian	australian	ADJ
cblr-3007	546	35	system	system	NOUN
cblr-3007	546	36	.	.	PUNCT
cblr-3007	547	1	in	in	ADP
cblr-3007	547	2	fact	fact	NOUN
cblr-3007	547	3	,	,	PUNCT
cblr-3007	547	4	the	the	DET
cblr-3007	547	5	chang	chang	PROPN
cblr-3007	547	6	,	,	PUNCT
cblr-3007	547	7	evans	evans	PROPN
cblr-3007	547	8	,	,	PUNCT
cblr-3007	547	9	and	and	CCONJ
cblr-3007	547	10	swartz	swartz	PROPN
cblr-3007	547	11	study	study	PROPN
cblr-3007	547	12	estimated	estimate	VERB
cblr-3007	547	13	that	that	SCONJ
cblr-3007	547	14	about	about	ADV
cblr-3007	547	15	one	one	NUM
cblr-3007	547	16	half	half	NOUN
cblr-3007	547	17	of	of	ADP
cblr-3007	547	18	the	the	DET
cblr-3007	547	19	merchant	merchant	NOUN
cblr-3007	547	20	savings	saving	NOUN
cblr-3007	547	21	could	could	AUX
cblr-3007	547	22	be	be	AUX
cblr-3007	547	23	expected	expect	VERB
cblr-3007	547	24	to	to	PART
cblr-3007	547	25	be	be	AUX
cblr-3007	547	26	passed	pass	VERB
cblr-3007	547	27	through	through	ADP
cblr-3007	547	28	to	to	ADP
cblr-3007	547	29	consumers	consumer	NOUN
cblr-3007	547	30	,	,	PUNCT
cblr-3007	547	31	if	if	SCONJ
cblr-3007	547	32	-	-	PUNCT
cblr-3007	547	33	and	and	CCONJ
cblr-3007	547	34	it	it	PRON
cblr-3007	547	35	is	be	AUX
cblr-3007	547	36	a	a	DET
cblr-3007	547	37	large	large	ADJ
cblr-3007	547	38	if	if	SCONJ
cblr-3007	547	39	-	-	PUNCT
cblr-3007	547	40	the	the	DET
cblr-3007	547	41	rigidities	rigidity	NOUN
cblr-3007	547	42	of	of	ADP
cblr-3007	547	43	the	the	DET
cblr-3007	547	44	price	price	NOUN
cblr-3007	547	45	system	system	NOUN
cblr-3007	547	46	do	do	AUX
cblr-3007	547	47	not	not	PART
cblr-3007	547	48	overwhelm	overwhelm	VERB
cblr-3007	547	49	the	the	DET
cblr-3007	547	50	small	small	ADJ
cblr-3007	547	51	sums	sum	NOUN
cblr-3007	547	52	involved	involve	VERB
cblr-3007	547	53	.	.	PUNCT
cblr-3007	548	1	"	"	PUNCT
cblr-3007	548	2	there	there	PRON
cblr-3007	548	3	is	be	VERB
cblr-3007	548	4	no	no	DET
cblr-3007	548	5	systematic	systematic	ADJ
cblr-3007	548	6	guarantee	guarantee	NOUN
cblr-3007	548	7	that	that	SCONJ
cblr-3007	548	8	when	when	SCONJ
cblr-3007	548	9	all	all	PRON
cblr-3007	548	10	of	of	ADP
cblr-3007	548	11	these	these	DET
cblr-3007	548	12	changes	change	NOUN
cblr-3007	548	13	are	be	AUX
cblr-3007	548	14	netted	net	VERB
cblr-3007	548	15	out	out	ADP
cblr-3007	548	16	,	,	PUNCT
cblr-3007	548	17	one	one	PRON
cblr-3007	548	18	could	could	AUX
cblr-3007	548	19	point	point	VERB
cblr-3007	548	20	to	to	ADP
cblr-3007	548	21	any	any	DET
cblr-3007	548	22	net	net	ADJ
cblr-3007	548	23	allocative	allocative	ADJ
cblr-3007	548	24	improvement	improvement	NOUN
cblr-3007	548	25	in	in	ADP
cblr-3007	548	26	the	the	DET
cblr-3007	548	27	overall	overall	ADJ
cblr-3007	548	28	operation	operation	NOUN
cblr-3007	548	29	of	of	ADP
cblr-3007	548	30	the	the	DET
cblr-3007	548	31	payment	payment	NOUN
cblr-3007	548	32	system	system	NOUN
cblr-3007	548	33	.	.	PUNCT
cblr-3007	549	1	choosing	choose	VERB
cblr-3007	549	2	this	this	DET
cblr-3007	549	3	limited	limit	VERB
cblr-3007	549	4	rate	rate	NOUN
cblr-3007	549	5	base	base	NOUN
cblr-3007	549	6	is	be	AUX
cblr-3007	549	7	only	only	ADV
cblr-3007	549	8	the	the	DET
cblr-3007	549	9	first	first	ADJ
cblr-3007	549	10	step	step	NOUN
cblr-3007	549	11	in	in	ADP
cblr-3007	549	12	the	the	DET
cblr-3007	549	13	overall	overall	ADJ
cblr-3007	549	14	process	process	NOUN
cblr-3007	549	15	.	.	PUNCT
cblr-3007	550	1	the	the	DET
cblr-3007	550	2	rba	rba	NOUN
cblr-3007	550	3	is	be	AUX
cblr-3007	550	4	also	also	ADV
cblr-3007	550	5	required	require	VERB
cblr-3007	550	6	to	to	PART
cblr-3007	550	7	set	set	VERB
cblr-3007	550	8	the	the	DET
cblr-3007	550	9	actual	actual	ADJ
cblr-3007	550	10	rates	rate	NOUN
cblr-3007	550	11	,	,	PUNCT
cblr-3007	550	12	and	and	CCONJ
cblr-3007	550	13	that	that	SCONJ
cblr-3007	550	14	determination	determination	NOUN
cblr-3007	550	15	gives	give	VERB
cblr-3007	550	16	rise	rise	NOUN
cblr-3007	550	17	,	,	PUNCT
cblr-3007	550	18	in	in	ADP
cblr-3007	550	19	turn	turn	NOUN
cblr-3007	550	20	,	,	PUNCT
cblr-3007	550	21	to	to	ADP
cblr-3007	550	22	two	two	NUM
cblr-3007	550	23	difficult	difficult	ADJ
cblr-3007	550	24	questions	question	NOUN
cblr-3007	550	25	.	.	PUNCT
cblr-3007	551	1	the	the	DET
cblr-3007	551	2	first	first	ADJ
cblr-3007	551	3	involves	involve	VERB
cblr-3007	551	4	the	the	DET
cblr-3007	551	5	duration	duration	NOUN
cblr-3007	551	6	of	of	ADP
cblr-3007	551	7	the	the	DET
cblr-3007	551	8	rate	rate	NOUN
cblr-3007	551	9	decision	decision	NOUN
cblr-3007	551	10	.	.	PUNCT
cblr-3007	552	1	presumably	presumably	ADV
cblr-3007	552	2	,	,	PUNCT
cblr-3007	552	3	the	the	DET
cblr-3007	552	4	0.55	0.55	NUM
cblr-3007	552	5	%	%	NOUN
cblr-3007	552	6	fee	fee	NOUN
cblr-3007	552	7	chosen	choose	VERB
cblr-3007	552	8	represented	represent	VERB
cblr-3007	552	9	a	a	DET
cblr-3007	552	10	good	good	ADJ
cblr-3007	552	11	initial	initial	ADJ
cblr-3007	552	12	estimate	estimate	NOUN
cblr-3007	552	13	of	of	ADP
cblr-3007	552	14	the	the	DET
cblr-3007	552	15	average	average	ADJ
cblr-3007	552	16	cost	cost	NOUN
cblr-3007	552	17	of	of	ADP
cblr-3007	552	18	running	run	VERB
cblr-3007	552	19	the	the	DET
cblr-3007	552	20	interchange	interchange	NOUN
cblr-3007	552	21	system	system	NOUN
cblr-3007	552	22	.	.	PUNCT
cblr-3007	553	1	such	such	DET
cblr-3007	553	2	a	a	DET
cblr-3007	553	3	presumption	presumption	NOUN
cblr-3007	553	4	is	be	AUX
cblr-3007	553	5	accorded	accord	VERB
cblr-3007	553	6	notwithstanding	notwithstanding	ADP
cblr-3007	553	7	the	the	DET
cblr-3007	553	8	fact	fact	NOUN
cblr-3007	553	9	that	that	SCONJ
cblr-3007	553	10	the	the	DET
cblr-3007	553	11	rba	rba	NOUN
cblr-3007	553	12	has	have	AUX
cblr-3007	553	13	offered	offer	VERB
cblr-3007	553	14	no	no	DET
cblr-3007	553	15	clear	clear	ADJ
cblr-3007	553	16	37	37	NUM
cblr-3007	553	17	i	i	PRON
cblr-3007	553	18	d.	d.	NOUN
cblr-3007	553	19	at	at	ADP
cblr-3007	553	20	51	51	NUM
cblr-3007	553	21	-	-	SYM
cblr-3007	553	22	52	52	NUM
cblr-3007	553	23	.	.	PUNCT
cblr-3007	554	1	31	31	NUM
cblr-3007	554	2	see	see	VERB
cblr-3007	554	3	chang	chang	PROPN
cblr-3007	554	4	,	,	PUNCT
cblr-3007	554	5	australian	australian	ADJ
cblr-3007	554	6	interchange	interchange	NOUN
cblr-3007	554	7	,	,	PUNCT
cblr-3007	554	8	supra	supra	PROPN
cblr-3007	554	9	note	note	NOUN
cblr-3007	554	10	2	2	NUM
cblr-3007	554	11	,	,	PUNCT
cblr-3007	554	12	at	at	ADP
cblr-3007	554	13	18	18	NUM
cblr-3007	554	14	(	(	PUNCT
cblr-3007	554	15	noting	note	VERB
cblr-3007	554	16	that	that	SCONJ
cblr-3007	554	17	a	a	DET
cblr-3007	554	18	50	50	NUM
cblr-3007	554	19	%	%	NOUN
cblr-3007	554	20	reduction	reduction	NOUN
cblr-3007	554	21	in	in	ADP
cblr-3007	554	22	a	a	DET
cblr-3007	554	23	0.21	0.21	NUM
cblr-3007	554	24	%	%	NOUN
cblr-3007	554	25	merchant	merchant	NOUN
cblr-3007	554	26	saving	saving	NOUN
cblr-3007	554	27	works	work	VERB
cblr-3007	554	28	out	out	ADV
cblr-3007	554	29	to	to	ADP
cblr-3007	554	30	0.105	0.105	NUM
cblr-3007	554	31	%	%	NOUN
cblr-3007	554	32	,	,	PUNCT
cblr-3007	554	33	which	which	PRON
cblr-3007	554	34	on	on	ADP
cblr-3007	554	35	a	a	DET
cblr-3007	554	36	$	$	SYM
cblr-3007	554	37	40	40	NUM
cblr-3007	554	38	transaction	transaction	NOUN
cblr-3007	554	39	is	be	AUX
cblr-3007	554	40	about	about	ADV
cblr-3007	554	41	$	$	SYM
cblr-3007	554	42	0.04	0.04	NUM
cblr-3007	554	43	,	,	PUNCT
cblr-3007	554	44	an	an	DET
cblr-3007	554	45	amount	amount	NOUN
cblr-3007	554	46	easily	easily	ADV
cblr-3007	554	47	lost	lose	VERB
cblr-3007	554	48	)	)	PUNCT
cblr-3007	554	49	.	.	PUNCT
cblr-3007	555	1	no	no	INTJ
cblr-3007	555	2	.	.	NOUN
cblr-3007	556	1	3:551	3:551	NUM
cblr-3007	556	2	]	]	PUNCT
cblr-3007	556	3	articulation	articulation	NOUN
cblr-3007	556	4	of	of	ADP
cblr-3007	556	5	why	why	SCONJ
cblr-3007	556	6	it	it	PRON
cblr-3007	556	7	chose	choose	VERB
cblr-3007	556	8	this	this	DET
cblr-3007	556	9	number	number	NOUN
cblr-3007	556	10	,	,	PUNCT
cblr-3007	556	11	much	much	ADV
cblr-3007	556	12	less	less	ADV
cblr-3007	556	13	why	why	SCONJ
cblr-3007	556	14	,	,	PUNCT
cblr-3007	556	15	given	give	VERB
cblr-3007	556	16	the	the	DET
cblr-3007	556	17	differences	difference	NOUN
cblr-3007	556	18	in	in	ADP
cblr-3007	556	19	customer	customer	NOUN
cblr-3007	556	20	mix	mix	NOUN
cblr-3007	556	21	and	and	CCONJ
cblr-3007	556	22	service	service	NOUN
cblr-3007	556	23	systems	system	NOUN
cblr-3007	556	24	,	,	PUNCT
cblr-3007	556	25	this	this	DET
cblr-3007	556	26	number	number	NOUN
cblr-3007	556	27	should	should	AUX
cblr-3007	556	28	be	be	AUX
cblr-3007	556	29	uniform	uniform	ADJ
cblr-3007	556	30	across	across	ADP
cblr-3007	556	31	all	all	DET
cblr-3007	556	32	payment	payment	NOUN
cblr-3007	556	33	systems	system	NOUN
cblr-3007	556	34	.	.	PUNCT
cblr-3007	557	1	but	but	CCONJ
cblr-3007	557	2	with	with	ADP
cblr-3007	557	3	the	the	DET
cblr-3007	557	4	rapid	rapid	ADJ
cblr-3007	557	5	movements	movement	NOUN
cblr-3007	557	6	in	in	ADP
cblr-3007	557	7	technology	technology	NOUN
cblr-3007	557	8	,	,	PUNCT
cblr-3007	557	9	or	or	CCONJ
cblr-3007	557	10	changes	change	NOUN
cblr-3007	557	11	in	in	ADP
cblr-3007	557	12	the	the	DET
cblr-3007	557	13	mix	mix	NOUN
cblr-3007	557	14	of	of	ADP
cblr-3007	557	15	borrowers	borrower	NOUN
cblr-3007	557	16	,	,	PUNCT
cblr-3007	557	17	nothing	nothing	PRON
cblr-3007	557	18	guarantees	guarantee	VERB
cblr-3007	557	19	that	that	SCONJ
cblr-3007	557	20	the	the	DET
cblr-3007	557	21	system	system	NOUN
cblr-3007	557	22	's	's	PART
cblr-3007	557	23	two	two	NUM
cblr-3007	557	24	key	key	ADJ
cblr-3007	557	25	cost	cost	NOUN
cblr-3007	557	26	drivers	driver	NOUN
cblr-3007	557	27	will	will	AUX
cblr-3007	557	28	remain	remain	VERB
cblr-3007	557	29	constant	constant	ADJ
cblr-3007	557	30	over	over	ADP
cblr-3007	557	31	time	time	NOUN
cblr-3007	557	32	.	.	PUNCT
cblr-3007	558	1	for	for	ADP
cblr-3007	558	2	example	example	NOUN
cblr-3007	558	3	,	,	PUNCT
cblr-3007	558	4	there	there	PRON
cblr-3007	558	5	is	be	VERB
cblr-3007	558	6	a	a	DET
cblr-3007	558	7	real	real	ADJ
cblr-3007	558	8	risk	risk	NOUN
cblr-3007	558	9	that	that	SCONJ
cblr-3007	558	10	an	an	DET
cblr-3007	558	11	increase	increase	NOUN
cblr-3007	558	12	in	in	ADP
cblr-3007	558	13	credit	credit	NOUN
cblr-3007	558	14	card	card	NOUN
cblr-3007	558	15	fraud	fraud	NOUN
cblr-3007	558	16	could	could	AUX
cblr-3007	558	17	require	require	VERB
cblr-3007	558	18	additional	additional	ADJ
cblr-3007	558	19	infrastructure	infrastructure	NOUN
cblr-3007	558	20	security	security	NOUN
cblr-3007	558	21	measures	measure	NOUN
cblr-3007	558	22	that	that	PRON
cblr-3007	558	23	would	would	AUX
cblr-3007	558	24	exceed	exceed	VERB
cblr-3007	558	25	the	the	DET
cblr-3007	558	26	allowable	allowable	ADJ
cblr-3007	558	27	costs	cost	NOUN
cblr-3007	558	28	,	,	PUNCT
cblr-3007	558	29	especially	especially	ADV
cblr-3007	558	30	expenditures	expenditure	NOUN
cblr-3007	558	31	that	that	PRON
cblr-3007	558	32	would	would	AUX
cblr-3007	558	33	be	be	AUX
cblr-3007	558	34	incurred	incur	VERB
cblr-3007	558	35	today	today	NOUN
cblr-3007	558	36	but	but	CCONJ
cblr-3007	558	37	would	would	AUX
cblr-3007	558	38	have	have	VERB
cblr-3007	558	39	to	to	PART
cblr-3007	558	40	be	be	AUX
cblr-3007	558	41	amortized	amortize	VERB
cblr-3007	558	42	over	over	ADP
cblr-3007	558	43	future	future	ADJ
cblr-3007	558	44	years	year	NOUN
cblr-3007	558	45	.	.	PUNCT
cblr-3007	559	1	by	by	ADP
cblr-3007	559	2	the	the	DET
cblr-3007	559	3	same	same	ADJ
cblr-3007	559	4	token	token	ADJ
cblr-3007	559	5	,	,	PUNCT
cblr-3007	559	6	greater	great	ADJ
cblr-3007	559	7	efficiencies	efficiency	NOUN
cblr-3007	559	8	in	in	ADP
cblr-3007	559	9	processing	processing	NOUN
cblr-3007	559	10	transactions	transaction	NOUN
cblr-3007	559	11	could	could	AUX
cblr-3007	559	12	,	,	PUNCT
cblr-3007	559	13	depending	depend	VERB
cblr-3007	559	14	on	on	ADP
cblr-3007	559	15	scale	scale	NOUN
cblr-3007	559	16	effects	effect	NOUN
cblr-3007	559	17	,	,	PUNCT
cblr-3007	559	18	reduce	reduce	VERB
cblr-3007	559	19	the	the	DET
cblr-3007	559	20	costs	cost	NOUN
cblr-3007	559	21	of	of	ADP
cblr-3007	559	22	running	run	VERB
cblr-3007	559	23	this	this	DET
cblr-3007	559	24	system	system	NOUN
cblr-3007	559	25	.	.	PUNCT
cblr-3007	560	1	the	the	DET
cblr-3007	560	2	balance	balance	NOUN
cblr-3007	560	3	is	be	AUX
cblr-3007	560	4	not	not	PART
cblr-3007	560	5	possible	possible	ADJ
cblr-3007	560	6	to	to	PART
cblr-3007	560	7	determine	determine	VERB
cblr-3007	560	8	in	in	ADP
cblr-3007	560	9	a	a	DET
cblr-3007	560	10	priori	priori	ADJ
cblr-3007	560	11	fashion	fashion	NOUN
cblr-3007	560	12	.	.	PUNCT
cblr-3007	561	1	these	these	DET
cblr-3007	561	2	uncertainties	uncertainty	NOUN
cblr-3007	561	3	suggest	suggest	VERB
cblr-3007	561	4	that	that	SCONJ
cblr-3007	561	5	some	some	DET
cblr-3007	561	6	rate	rate	NOUN
cblr-3007	561	7	adjustments	adjustment	NOUN
cblr-3007	561	8	,	,	PUNCT
cblr-3007	561	9	either	either	CCONJ
cblr-3007	561	10	up	up	ADV
cblr-3007	561	11	or	or	CCONJ
cblr-3007	561	12	down	down	ADV
cblr-3007	561	13	,	,	PUNCT
cblr-3007	561	14	might	might	AUX
cblr-3007	561	15	be	be	AUX
cblr-3007	561	16	appropriate	appropriate	ADJ
cblr-3007	561	17	over	over	ADP
cblr-3007	561	18	time	time	NOUN
cblr-3007	561	19	.	.	PUNCT
cblr-3007	562	1	in	in	ADP
cblr-3007	562	2	figuring	figure	VERB
cblr-3007	562	3	out	out	ADP
cblr-3007	562	4	what	what	PRON
cblr-3007	562	5	these	these	DET
cblr-3007	562	6	adjustments	adjustment	NOUN
cblr-3007	562	7	might	might	AUX
cblr-3007	562	8	need	need	VERB
cblr-3007	562	9	to	to	PART
cblr-3007	562	10	be	be	AUX
cblr-3007	562	11	,	,	PUNCT
cblr-3007	562	12	however	however	ADV
cblr-3007	562	13	,	,	PUNCT
cblr-3007	562	14	the	the	DET
cblr-3007	562	15	regulator	regulator	NOUN
cblr-3007	562	16	has	have	VERB
cblr-3007	562	17	to	to	PART
cblr-3007	562	18	guard	guard	VERB
cblr-3007	562	19	against	against	ADP
cblr-3007	562	20	the	the	DET
cblr-3007	562	21	danger	danger	NOUN
cblr-3007	562	22	that	that	PRON
cblr-3007	562	23	regulated	regulate	VERB
cblr-3007	562	24	firms	firm	NOUN
cblr-3007	562	25	(	(	PUNCT
cblr-3007	562	26	or	or	CCONJ
cblr-3007	562	27	some	some	PRON
cblr-3007	562	28	more	more	ADJ
cblr-3007	562	29	than	than	ADP
cblr-3007	562	30	others	other	NOUN
cblr-3007	562	31	)	)	PUNCT
cblr-3007	562	32	will	will	AUX
cblr-3007	562	33	pad	pad	VERB
cblr-3007	562	34	their	their	PRON
cblr-3007	562	35	expenses	expense	NOUN
cblr-3007	562	36	in	in	ADP
cblr-3007	562	37	order	order	NOUN
cblr-3007	562	38	to	to	PART
cblr-3007	562	39	increase	increase	VERB
cblr-3007	562	40	their	their	PRON
cblr-3007	562	41	net	net	ADJ
cblr-3007	562	42	profit	profit	NOUN
cblr-3007	562	43	under	under	ADP
cblr-3007	562	44	regulation	regulation	NOUN
cblr-3007	562	45	.	.	PUNCT
cblr-3007	563	1	the	the	DET
cblr-3007	563	2	major	major	ADJ
cblr-3007	563	3	tradeoff	tradeoff	NOUN
cblr-3007	563	4	in	in	ADP
cblr-3007	563	5	regulation	regulation	NOUN
cblr-3007	563	6	is	be	AUX
cblr-3007	563	7	between	between	ADP
cblr-3007	563	8	the	the	DET
cblr-3007	563	9	size	size	NOUN
cblr-3007	563	10	of	of	ADP
cblr-3007	563	11	the	the	DET
cblr-3007	563	12	rate	rate	NOUN
cblr-3007	563	13	base	base	NOUN
cblr-3007	563	14	and	and	CCONJ
cblr-3007	563	15	the	the	DET
cblr-3007	563	16	rate	rate	NOUN
cblr-3007	563	17	of	of	ADP
cblr-3007	563	18	return	return	NOUN
cblr-3007	563	19	.	.	PUNCT
cblr-3007	564	1	when	when	SCONJ
cblr-3007	564	2	the	the	DET
cblr-3007	564	3	base	base	NOUN
cblr-3007	564	4	includes	include	VERB
cblr-3007	564	5	all	all	DET
cblr-3007	564	6	investment	investment	NOUN
cblr-3007	564	7	expenditures	expenditure	NOUN
cblr-3007	564	8	,	,	PUNCT
cblr-3007	564	9	regardless	regardless	ADV
cblr-3007	564	10	of	of	ADP
cblr-3007	564	11	their	their	PRON
cblr-3007	564	12	prudence	prudence	NOUN
cblr-3007	564	13	,	,	PUNCT
cblr-3007	564	14	the	the	DET
cblr-3007	564	15	rate	rate	NOUN
cblr-3007	564	16	of	of	ADP
cblr-3007	564	17	return	return	NOUN
cblr-3007	564	18	should	should	AUX
cblr-3007	564	19	be	be	AUX
cblr-3007	564	20	lower	low	ADJ
cblr-3007	564	21	because	because	SCONJ
cblr-3007	564	22	the	the	DET
cblr-3007	564	23	firm	firm	NOUN
cblr-3007	564	24	bears	bear	VERB
cblr-3007	564	25	less	less	ADJ
cblr-3007	564	26	of	of	ADP
cblr-3007	564	27	the	the	DET
cblr-3007	564	28	economic	economic	ADJ
cblr-3007	564	29	risk	risk	NOUN
cblr-3007	564	30	than	than	ADP
cblr-3007	564	31	when	when	SCONJ
cblr-3007	564	32	such	such	ADJ
cblr-3007	564	33	expenditures	expenditure	NOUN
cblr-3007	564	34	are	be	AUX
cblr-3007	564	35	excluded	exclude	VERB
cblr-3007	564	36	.	.	PUNCT
cblr-3007	565	1	however	however	ADV
cblr-3007	565	2	,	,	PUNCT
cblr-3007	565	3	that	that	DET
cblr-3007	565	4	relationship	relationship	NOUN
cblr-3007	565	5	does	do	AUX
cblr-3007	565	6	not	not	PART
cblr-3007	565	7	normally	normally	ADV
cblr-3007	565	8	supply	supply	VERB
cblr-3007	565	9	sufficient	sufficient	ADJ
cblr-3007	565	10	information	information	NOUN
cblr-3007	565	11	regarding	regard	VERB
cblr-3007	565	12	how	how	SCONJ
cblr-3007	565	13	either	either	PRON
cblr-3007	565	14	of	of	ADP
cblr-3007	565	15	these	these	DET
cblr-3007	565	16	tasks	task	NOUN
cblr-3007	565	17	should	should	AUX
cblr-3007	565	18	be	be	AUX
cblr-3007	565	19	undertaken	undertake	VERB
cblr-3007	565	20	.	.	PUNCT
cblr-3007	566	1	it	it	PRON
cblr-3007	566	2	is	be	AUX
cblr-3007	566	3	useful	useful	ADJ
cblr-3007	566	4	to	to	PART
cblr-3007	566	5	exclude	exclude	VERB
cblr-3007	566	6	certain	certain	ADJ
cblr-3007	566	7	combinations	combination	NOUN
cblr-3007	566	8	,	,	PUNCT
cblr-3007	566	9	but	but	CCONJ
cblr-3007	566	10	no	no	DET
cblr-3007	566	11	ironclad	ironclad	ADJ
cblr-3007	566	12	test	test	NOUN
cblr-3007	566	13	points	point	NOUN
cblr-3007	566	14	to	to	ADP
cblr-3007	566	15	a	a	DET
cblr-3007	566	16	single	single	ADJ
cblr-3007	566	17	unique	unique	ADJ
cblr-3007	566	18	solution	solution	NOUN
cblr-3007	566	19	.	.	PUNCT
cblr-3007	567	1	these	these	DET
cblr-3007	567	2	problems	problem	NOUN
cblr-3007	567	3	only	only	ADV
cblr-3007	567	4	arise	arise	VERB
cblr-3007	567	5	in	in	ADP
cblr-3007	567	6	regulated	regulated	ADJ
cblr-3007	567	7	markets	market	NOUN
cblr-3007	567	8	.	.	PUNCT
cblr-3007	568	1	no	no	DET
cblr-3007	568	2	firm	firm	NOUN
cblr-3007	568	3	in	in	ADP
cblr-3007	568	4	an	an	DET
cblr-3007	568	5	unregulated	unregulated	ADJ
cblr-3007	568	6	market	market	NOUN
cblr-3007	568	7	has	have	VERB
cblr-3007	568	8	the	the	DET
cblr-3007	568	9	same	same	ADJ
cblr-3007	568	10	type	type	NOUN
cblr-3007	568	11	of	of	ADP
cblr-3007	568	12	perverse	perverse	ADJ
cblr-3007	568	13	incentive	incentive	NOUN
cblr-3007	568	14	to	to	PART
cblr-3007	568	15	control	control	VERB
cblr-3007	568	16	the	the	DET
cblr-3007	568	17	costs	cost	NOUN
cblr-3007	568	18	of	of	ADP
cblr-3007	568	19	its	its	PRON
cblr-3007	568	20	operations	operation	NOUN
cblr-3007	568	21	.	.	PUNCT
cblr-3007	569	1	instead	instead	ADV
cblr-3007	569	2	,	,	PUNCT
cblr-3007	569	3	in	in	ADP
cblr-3007	569	4	an	an	DET
cblr-3007	569	5	open	open	ADJ
cblr-3007	569	6	market	market	NOUN
cblr-3007	569	7	,	,	PUNCT
cblr-3007	569	8	a	a	DET
cblr-3007	569	9	firm	firm	NOUN
cblr-3007	569	10	will	will	AUX
cblr-3007	569	11	work	work	VERB
cblr-3007	569	12	to	to	PART
cblr-3007	569	13	reduce	reduce	VERB
cblr-3007	569	14	its	its	PRON
cblr-3007	569	15	costs	cost	NOUN
cblr-3007	569	16	in	in	ADP
cblr-3007	569	17	order	order	NOUN
cblr-3007	569	18	to	to	PART
cblr-3007	569	19	increase	increase	VERB
cblr-3007	569	20	its	its	PRON
cblr-3007	569	21	profits	profit	NOUN
cblr-3007	569	22	.	.	PUNCT
cblr-3007	570	1	yet	yet	ADV
cblr-3007	570	2	,	,	PUNCT
cblr-3007	570	3	by	by	ADP
cblr-3007	570	4	the	the	DET
cblr-3007	570	5	same	same	ADJ
cblr-3007	570	6	token	token	NOUN
cblr-3007	570	7	,	,	PUNCT
cblr-3007	570	8	the	the	DET
cblr-3007	570	9	risk	risk	NOUN
cblr-3007	570	10	of	of	ADP
cblr-3007	570	11	confiscation	confiscation	NOUN
cblr-3007	570	12	inherent	inherent	ADJ
cblr-3007	570	13	in	in	ADP
cblr-3007	570	14	any	any	DET
cblr-3007	570	15	ratemaking	ratemaking	NOUN
cblr-3007	570	16	scheme	scheme	NOUN
cblr-3007	570	17	has	have	AUX
cblr-3007	570	18	generated	generate	VERB
cblr-3007	570	19	in	in	ADP
cblr-3007	570	20	the	the	DET
cblr-3007	570	21	american	american	PROPN
cblr-3007	570	22	setting	set	VERB
cblr-3007	570	23	a	a	DET
cblr-3007	570	24	substantial	substantial	ADJ
cblr-3007	570	25	body	body	NOUN
cblr-3007	570	26	of	of	ADP
cblr-3007	570	27	(	(	PUNCT
cblr-3007	570	28	vol	vol	NOUN
cblr-3007	570	29	.	.	PUNCT
cblr-3007	571	1	2005col	2005col	PRON
cblr-3007	571	2	umb1a	umb1a	PROPN
cblr-3007	572	1	b	b	PROPN
cblr-3007	572	2	usiness	usiness	NOUN
cblr-3007	572	3	la	la	PROPN
cblr-3007	572	4	w	w	PROPN
cblr-3007	572	5	re	re	PROPN
cblr-3007	572	6	vie	vie	PROPN
cblr-3007	572	7	w	w	PROPN
cblr-3007	572	8	"	"	PUNCT
cblr-3007	572	9	takings	taking	NOUN
cblr-3007	572	10	law	law	NOUN
cblr-3007	572	11	.	.	PUNCT
cblr-3007	573	1	"39	"39	NOUN
cblr-3007	574	1	the	the	DET
cblr-3007	574	2	danger	danger	NOUN
cblr-3007	574	3	here	here	ADV
cblr-3007	574	4	is	be	AUX
cblr-3007	574	5	that	that	SCONJ
cblr-3007	574	6	the	the	DET
cblr-3007	574	7	regulation	regulation	NOUN
cblr-3007	574	8	will	will	AUX
cblr-3007	574	9	be	be	AUX
cblr-3007	574	10	so	so	ADV
cblr-3007	574	11	restrictive	restrictive	ADJ
cblr-3007	574	12	that	that	SCONJ
cblr-3007	574	13	the	the	DET
cblr-3007	574	14	regulated	regulated	ADJ
cblr-3007	574	15	firm	firm	NOUN
cblr-3007	574	16	will	will	AUX
cblr-3007	574	17	not	not	PART
cblr-3007	574	18	be	be	AUX
cblr-3007	574	19	able	able	ADJ
cblr-3007	574	20	to	to	PART
cblr-3007	574	21	recover	recover	VERB
cblr-3007	574	22	its	its	PRON
cblr-3007	574	23	initial	initial	ADJ
cblr-3007	574	24	investment	investment	NOUN
cblr-3007	574	25	or	or	CCONJ
cblr-3007	574	26	make	make	VERB
cblr-3007	574	27	a	a	DET
cblr-3007	574	28	reasonable	reasonable	ADJ
cblr-3007	574	29	return	return	NOUN
cblr-3007	574	30	on	on	ADP
cblr-3007	574	31	it	it	PRON
cblr-3007	574	32	.	.	PUNCT
cblr-3007	575	1	there	there	PRON
cblr-3007	575	2	is	be	VERB
cblr-3007	575	3	,	,	PUNCT
cblr-3007	575	4	therefore	therefore	ADV
cblr-3007	575	5	,	,	PUNCT
cblr-3007	575	6	no	no	DET
cblr-3007	575	7	"	"	PUNCT
cblr-3007	575	8	safe	safe	ADJ
cblr-3007	575	9	"	"	PUNCT
cblr-3007	575	10	direction	direction	NOUN
cblr-3007	575	11	in	in	ADP
cblr-3007	575	12	which	which	PRON
cblr-3007	575	13	the	the	DET
cblr-3007	575	14	regulator	regulator	NOUN
cblr-3007	575	15	can	can	AUX
cblr-3007	575	16	move	move	VERB
cblr-3007	575	17	.	.	PUNCT
cblr-3007	576	1	too	too	ADV
cblr-3007	576	2	little	little	ADJ
cblr-3007	576	3	regulation	regulation	NOUN
cblr-3007	576	4	yields	yield	NOUN
cblr-3007	576	5	monopoly	monopoly	NOUN
cblr-3007	576	6	profits	profit	NOUN
cblr-3007	576	7	;	;	PUNCT
cblr-3007	576	8	too	too	ADV
cblr-3007	576	9	much	much	ADJ
cblr-3007	576	10	results	result	NOUN
cblr-3007	576	11	in	in	ADP
cblr-3007	576	12	confiscation	confiscation	NOUN
cblr-3007	576	13	.	.	PUNCT
cblr-3007	577	1	an	an	DET
cblr-3007	577	2	unregulated	unregulated	ADJ
cblr-3007	577	3	market	market	NOUN
cblr-3007	577	4	does	do	AUX
cblr-3007	577	5	not	not	PART
cblr-3007	577	6	pose	pose	VERB
cblr-3007	577	7	these	these	DET
cblr-3007	577	8	difficulties	difficulty	NOUN
cblr-3007	577	9	.	.	PUNCT
cblr-3007	578	1	a	a	DET
cblr-3007	578	2	second	second	ADJ
cblr-3007	578	3	problem	problem	NOUN
cblr-3007	578	4	is	be	AUX
cblr-3007	578	5	parasitic	parasitic	ADJ
cblr-3007	578	6	on	on	ADP
cblr-3007	578	7	the	the	DET
cblr-3007	578	8	first	first	ADJ
cblr-3007	578	9	.	.	PUNCT
cblr-3007	579	1	at	at	ADP
cblr-3007	579	2	a	a	DET
cblr-3007	579	3	first	first	ADJ
cblr-3007	579	4	approximation	approximation	NOUN
cblr-3007	579	5	,	,	PUNCT
cblr-3007	579	6	the	the	DET
cblr-3007	579	7	operation	operation	NOUN
cblr-3007	579	8	of	of	ADP
cblr-3007	579	9	one	one	NUM
cblr-3007	579	10	credit	credit	NOUN
cblr-3007	579	11	card	card	NOUN
cblr-3007	579	12	payment	payment	NOUN
cblr-3007	579	13	system	system	NOUN
cblr-3007	579	14	looks	look	VERB
cblr-3007	579	15	more	more	ADV
cblr-3007	579	16	or	or	CCONJ
cblr-3007	579	17	less	less	ADV
cblr-3007	579	18	similar	similar	ADJ
cblr-3007	579	19	to	to	ADP
cblr-3007	579	20	another	another	PRON
cblr-3007	579	21	,	,	PUNCT
cblr-3007	579	22	but	but	CCONJ
cblr-3007	579	23	the	the	DET
cblr-3007	579	24	technology	technology	NOUN
cblr-3007	579	25	chosen	choose	VERB
cblr-3007	579	26	or	or	CCONJ
cblr-3007	579	27	the	the	DET
cblr-3007	579	28	book	book	NOUN
cblr-3007	579	29	of	of	ADP
cblr-3007	579	30	customer	customer	NOUN
cblr-3007	579	31	business	business	NOUN
cblr-3007	579	32	could	could	AUX
cblr-3007	579	33	easily	easily	ADV
cblr-3007	579	34	vary	vary	VERB
cblr-3007	579	35	across	across	ADP
cblr-3007	579	36	firms	firm	NOUN
cblr-3007	579	37	.	.	PUNCT
cblr-3007	580	1	the	the	DET
cblr-3007	580	2	cost	cost	NOUN
cblr-3007	580	3	structures	structure	NOUN
cblr-3007	580	4	of	of	ADP
cblr-3007	580	5	two	two	NUM
cblr-3007	580	6	or	or	CCONJ
cblr-3007	580	7	more	more	ADV
cblr-3007	580	8	competitive	competitive	ADJ
cblr-3007	580	9	firms	firm	NOUN
cblr-3007	580	10	could	could	AUX
cblr-3007	580	11	,	,	PUNCT
cblr-3007	580	12	therefore	therefore	ADV
cblr-3007	580	13	,	,	PUNCT
cblr-3007	580	14	differ	differ	VERB
cblr-3007	580	15	in	in	ADP
cblr-3007	580	16	small	small	ADJ
cblr-3007	580	17	ways	way	NOUN
cblr-3007	580	18	that	that	PRON
cblr-3007	580	19	add	add	VERB
cblr-3007	580	20	up	up	ADP
cblr-3007	580	21	in	in	ADP
cblr-3007	580	22	a	a	DET
cblr-3007	580	23	high	high	ADJ
cblr-3007	580	24	-	-	PUNCT
cblr-3007	580	25	volume	volume	NOUN
cblr-3007	580	26	business	business	NOUN
cblr-3007	580	27	.	.	PUNCT
cblr-3007	581	1	in	in	ADP
cblr-3007	581	2	the	the	DET
cblr-3007	581	3	absence	absence	NOUN
cblr-3007	581	4	of	of	ADP
cblr-3007	581	5	regulation	regulation	NOUN
cblr-3007	581	6	,	,	PUNCT
cblr-3007	581	7	each	each	DET
cblr-3007	581	8	firm	firm	NOUN
cblr-3007	581	9	is	be	AUX
cblr-3007	581	10	saddled	saddle	VERB
cblr-3007	581	11	with	with	ADP
cblr-3007	581	12	its	its	PRON
cblr-3007	581	13	own	own	ADJ
cblr-3007	581	14	cost	cost	NOUN
cblr-3007	581	15	structure	structure	NOUN
cblr-3007	581	16	.	.	PUNCT
cblr-3007	582	1	accordingly	accordingly	ADV
cblr-3007	582	2	,	,	PUNCT
cblr-3007	582	3	there	there	PRON
cblr-3007	582	4	is	be	VERB
cblr-3007	582	5	little	little	ADJ
cblr-3007	582	6	doubt	doubt	NOUN
cblr-3007	582	7	that	that	SCONJ
cblr-3007	582	8	if	if	SCONJ
cblr-3007	582	9	system	system	NOUN
cblr-3007	582	10	a	a	DET
cblr-3007	582	11	offered	offer	VERB
cblr-3007	582	12	lower	low	ADJ
cblr-3007	582	13	interchange	interchange	NOUN
cblr-3007	582	14	fees	fee	NOUN
cblr-3007	582	15	than	than	ADP
cblr-3007	582	16	system	system	NOUN
cblr-3007	582	17	b	b	NOUN
cblr-3007	582	18	,	,	PUNCT
cblr-3007	582	19	we	we	PRON
cblr-3007	582	20	should	should	AUX
cblr-3007	582	21	expect	expect	VERB
cblr-3007	582	22	merchants	merchant	NOUN
cblr-3007	582	23	,	,	PUNCT
cblr-3007	582	24	ceteris	ceteris	NOUN
cblr-3007	582	25	paribus	paribus	NOUN
cblr-3007	582	26	,	,	PUNCT
cblr-3007	582	27	to	to	PART
cblr-3007	582	28	gravitate	gravitate	VERB
cblr-3007	582	29	toward	toward	ADP
cblr-3007	582	30	the	the	DET
cblr-3007	582	31	system	system	NOUN
cblr-3007	582	32	with	with	ADP
cblr-3007	582	33	the	the	DET
cblr-3007	582	34	lower	low	ADJ
cblr-3007	582	35	cost	cost	NOUN
cblr-3007	582	36	-	-	PUNCT
cblr-3007	582	37	either	either	CCONJ
cblr-3007	582	38	by	by	ADP
cblr-3007	582	39	taking	take	VERB
cblr-3007	582	40	only	only	ADV
cblr-3007	582	41	one	one	NUM
cblr-3007	582	42	card	card	NOUN
cblr-3007	582	43	or	or	CCONJ
cblr-3007	582	44	by	by	ADP
cblr-3007	582	45	steering	steer	VERB
cblr-3007	582	46	their	their	PRON
cblr-3007	582	47	customers	customer	NOUN
cblr-3007	582	48	to	to	ADP
cblr-3007	582	49	the	the	DET
cblr-3007	582	50	preferred	preferred	ADJ
cblr-3007	582	51	card	card	NOUN
cblr-3007	582	52	when	when	SCONJ
cblr-3007	582	53	both	both	PRON
cblr-3007	582	54	are	be	AUX
cblr-3007	582	55	accepted	accept	VERB
cblr-3007	582	56	.	.	PUNCT
cblr-3007	583	1	if	if	SCONJ
cblr-3007	583	2	such	such	ADJ
cblr-3007	583	3	migration	migration	NOUN
cblr-3007	583	4	does	do	AUX
cblr-3007	583	5	not	not	PART
cblr-3007	583	6	take	take	VERB
cblr-3007	583	7	place	place	NOUN
cblr-3007	583	8	,	,	PUNCT
cblr-3007	583	9	then	then	ADV
cblr-3007	583	10	the	the	DET
cblr-3007	583	11	best	good	ADJ
cblr-3007	583	12	explanation	explanation	NOUN
cblr-3007	583	13	for	for	ADP
cblr-3007	583	14	that	that	DET
cblr-3007	583	15	stable	stable	ADJ
cblr-3007	583	16	equilibrium	equilibrium	NOUN
cblr-3007	583	17	is	be	AUX
cblr-3007	583	18	that	that	SCONJ
cblr-3007	583	19	each	each	DET
cblr-3007	583	20	company	company	NOUN
cblr-3007	583	21	is	be	AUX
cblr-3007	583	22	serving	serve	VERB
cblr-3007	583	23	the	the	DET
cblr-3007	583	24	clientele	clientele	NOUN
cblr-3007	583	25	in	in	ADP
cblr-3007	583	26	its	its	PRON
cblr-3007	583	27	own	own	ADJ
cblr-3007	583	28	niche	niche	NOUN
cblr-3007	583	29	in	in	ADP
cblr-3007	583	30	the	the	DET
cblr-3007	583	31	best	good	ADJ
cblr-3007	583	32	possible	possible	ADJ
cblr-3007	583	33	way	way	NOUN
cblr-3007	583	34	.	.	PUNCT
cblr-3007	584	1	in	in	ADP
cblr-3007	584	2	the	the	DET
cblr-3007	584	3	end	end	NOUN
cblr-3007	584	4	,	,	PUNCT
cblr-3007	584	5	all	all	DET
cblr-3007	584	6	card	card	NOUN
cblr-3007	584	7	companies	company	NOUN
cblr-3007	584	8	have	have	VERB
cblr-3007	584	9	an	an	DET
cblr-3007	584	10	incentive	incentive	NOUN
cblr-3007	584	11	to	to	PART
cblr-3007	584	12	reduce	reduce	VERB
cblr-3007	584	13	interchange	interchange	NOUN
cblr-3007	584	14	costs	cost	NOUN
cblr-3007	584	15	to	to	PART
cblr-3007	584	16	maximize	maximize	VERB
cblr-3007	584	17	profits	profit	NOUN
cblr-3007	584	18	.	.	PUNCT
cblr-3007	585	1	there	there	PRON
cblr-3007	585	2	is	be	VERB
cblr-3007	585	3	no	no	DET
cblr-3007	585	4	obvious	obvious	ADJ
cblr-3007	585	5	need	need	NOUN
cblr-3007	585	6	or	or	CCONJ
cblr-3007	585	7	way	way	NOUN
cblr-3007	585	8	for	for	SCONJ
cblr-3007	585	9	a	a	DET
cblr-3007	585	10	credit	credit	NOUN
cblr-3007	585	11	card	card	NOUN
cblr-3007	585	12	company	company	NOUN
cblr-3007	585	13	to	to	PART
cblr-3007	585	14	act	act	VERB
cblr-3007	585	15	opportunistically	opportunistically	ADV
cblr-3007	585	16	in	in	ADP
cblr-3007	585	17	an	an	DET
cblr-3007	585	18	unregulated	unregulated	ADJ
cblr-3007	585	19	system	system	NOUN
cblr-3007	585	20	.	.	PUNCT
cblr-3007	586	1	the	the	DET
cblr-3007	586	2	incentives	incentive	NOUN
cblr-3007	586	3	under	under	ADP
cblr-3007	586	4	a	a	DET
cblr-3007	586	5	system	system	NOUN
cblr-3007	586	6	of	of	ADP
cblr-3007	586	7	regulation	regulation	NOUN
cblr-3007	586	8	are	be	AUX
cblr-3007	586	9	much	much	ADV
cblr-3007	586	10	less	less	ADV
cblr-3007	586	11	clear	clear	ADJ
cblr-3007	586	12	.	.	PUNCT
cblr-3007	587	1	the	the	DET
cblr-3007	587	2	first	first	ADJ
cblr-3007	587	3	question	question	NOUN
cblr-3007	587	4	is	be	AUX
cblr-3007	587	5	whether	whether	SCONJ
cblr-3007	587	6	the	the	DET
cblr-3007	587	7	rate	rate	NOUN
cblr-3007	587	8	structure	structure	NOUN
cblr-3007	587	9	should	should	AUX
cblr-3007	587	10	allow	allow	VERB
cblr-3007	587	11	different	different	ADJ
cblr-3007	587	12	interchange	interchange	NOUN
cblr-3007	587	13	fees	fee	NOUN
cblr-3007	587	14	for	for	ADP
cblr-3007	587	15	payment	payment	NOUN
cblr-3007	587	16	systems	system	NOUN
cblr-3007	587	17	that	that	PRON
cblr-3007	587	18	bear	bear	VERB
cblr-3007	587	19	different	different	ADJ
cblr-3007	587	20	costs	cost	NOUN
cblr-3007	587	21	.	.	PUNCT
cblr-3007	588	1	(	(	PUNCT
cblr-3007	588	2	of	of	ADP
cblr-3007	588	3	course	course	NOUN
cblr-3007	588	4	,	,	PUNCT
cblr-3007	588	5	in	in	ADP
cblr-3007	588	6	unregulated	unregulated	ADJ
cblr-3007	588	7	markets	market	NOUN
cblr-3007	588	8	,	,	PUNCT
cblr-3007	588	9	the	the	DET
cblr-3007	588	10	inefficient	inefficient	ADJ
cblr-3007	588	11	firm	firm	NOUN
cblr-3007	588	12	just	just	ADV
cblr-3007	588	13	fails	fail	VERB
cblr-3007	588	14	to	to	PART
cblr-3007	588	15	recover	recover	VERB
cblr-3007	588	16	its	its	PRON
cblr-3007	588	17	full	full	ADJ
cblr-3007	588	18	costs	cost	NOUN
cblr-3007	588	19	.	.	PUNCT
cblr-3007	588	20	)	)	PUNCT
cblr-3007	589	1	this	this	DET
cblr-3007	589	2	issue	issue	NOUN
cblr-3007	589	3	"	"	PUNCT
cblr-3007	589	4	the	the	DET
cblr-3007	589	5	courts	court	NOUN
cblr-3007	589	6	have	have	AUX
cblr-3007	589	7	long	long	ADV
cblr-3007	589	8	been	be	AUX
cblr-3007	589	9	divided	divide	VERB
cblr-3007	589	10	over	over	ADP
cblr-3007	589	11	the	the	DET
cblr-3007	589	12	best	good	ADJ
cblr-3007	589	13	approach	approach	NOUN
cblr-3007	589	14	for	for	ADP
cblr-3007	589	15	preventing	prevent	VERB
cblr-3007	589	16	monopoly	monopoly	NOUN
cblr-3007	589	17	profits	profit	NOUN
cblr-3007	589	18	without	without	ADP
cblr-3007	589	19	allowing	allow	VERB
cblr-3007	589	20	confiscation	confiscation	NOUN
cblr-3007	589	21	.	.	PUNCT
cblr-3007	590	1	for	for	ADP
cblr-3007	590	2	the	the	DET
cblr-3007	590	3	most	most	ADV
cblr-3007	590	4	recent	recent	ADJ
cblr-3007	590	5	supreme	supreme	PROPN
cblr-3007	590	6	court	court	PROPN
cblr-3007	590	7	decision	decision	NOUN
cblr-3007	590	8	on	on	ADP
cblr-3007	590	9	the	the	DET
cblr-3007	590	10	matter	matter	NOUN
cblr-3007	590	11	,	,	PUNCT
cblr-3007	590	12	see	see	VERB
cblr-3007	590	13	duquesne	duquesne	PROPN
cblr-3007	590	14	light	light	PROPN
cblr-3007	590	15	co.	co.	PROPN
cblr-3007	590	16	v.	v.	ADP
cblr-3007	590	17	barasch	barasch	PROPN
cblr-3007	590	18	,	,	PUNCT
cblr-3007	590	19	488	488	NUM
cblr-3007	590	20	u.s	u.s	PROPN
cblr-3007	590	21	.	.	PROPN
cblr-3007	590	22	299	299	NUM
cblr-3007	590	23	(	(	PUNCT
cblr-3007	590	24	1989	1989	NUM
cblr-3007	590	25	)	)	PUNCT
cblr-3007	590	26	.	.	PUNCT
cblr-3007	591	1	see	see	VERB
cblr-3007	591	2	also	also	ADV
cblr-3007	591	3	jersey	jersey	PROPN
cblr-3007	591	4	cent	cent	PROPN
cblr-3007	591	5	.	.	PUNCT
cblr-3007	592	1	power	power	NOUN
cblr-3007	592	2	&	&	CCONJ
cblr-3007	592	3	light	light	PROPN
cblr-3007	592	4	co.	co.	PROPN
cblr-3007	592	5	v.	v.	ADP
cblr-3007	592	6	ferc	ferc	PROPN
cblr-3007	592	7	,	,	PUNCT
cblr-3007	592	8	810	810	NUM
cblr-3007	592	9	f.2d	f.2d	NOUN
cblr-3007	592	10	1168	1168	NUM
cblr-3007	592	11	(	(	PUNCT
cblr-3007	592	12	d.c	d.c	PROPN
cblr-3007	592	13	.	.	PROPN
cblr-3007	592	14	cir	cir	PROPN
cblr-3007	592	15	.	.	PUNCT
cblr-3007	592	16	1987	1987	NUM
cblr-3007	592	17	)	)	PUNCT
cblr-3007	592	18	.	.	PUNCT
cblr-3007	593	1	for	for	ADP
cblr-3007	593	2	earlier	early	ADJ
cblr-3007	593	3	supreme	supreme	PROPN
cblr-3007	593	4	court	court	PROPN
cblr-3007	593	5	landmarks	landmark	NOUN
cblr-3007	593	6	in	in	ADP
cblr-3007	593	7	this	this	DET
cblr-3007	593	8	area	area	NOUN
cblr-3007	593	9	,	,	PUNCT
cblr-3007	593	10	see	see	VERB
cblr-3007	593	11	smyth	smyth	PROPN
cblr-3007	593	12	v.	v.	PROPN
cblr-3007	593	13	ames	ames	PROPN
cblr-3007	593	14	,	,	PUNCT
cblr-3007	593	15	171	171	NUM
cblr-3007	593	16	u.s	u.s	PROPN
cblr-3007	593	17	.	.	PROPN
cblr-3007	593	18	361	361	NUM
cblr-3007	593	19	(	(	PUNCT
cblr-3007	593	20	1898	1898	NUM
cblr-3007	593	21	)	)	PUNCT
cblr-3007	593	22	and	and	CCONJ
cblr-3007	593	23	fed	fed	PROPN
cblr-3007	593	24	.	.	PUNCT
cblr-3007	594	1	power	power	NOUN
cblr-3007	594	2	comm'n	comm'n	CCONJ
cblr-3007	594	3	v.	v.	ADP
cblr-3007	594	4	hope	hope	ADJ
cblr-3007	594	5	natural	natural	ADJ
cblr-3007	594	6	gas	gas	NOUN
cblr-3007	594	7	,	,	PUNCT
cblr-3007	594	8	320	320	NUM
cblr-3007	594	9	u.s	u.s	PROPN
cblr-3007	594	10	.	.	PROPN
cblr-3007	594	11	591	591	NUM
cblr-3007	594	12	(	(	PUNCT
cblr-3007	594	13	1944	1944	NUM
cblr-3007	594	14	)	)	PUNCT
cblr-3007	594	15	.	.	PUNCT
cblr-3007	595	1	the	the	DET
cblr-3007	595	2	regulation	regulation	NOUN
cblr-3007	595	3	of	of	ADP
cblr-3007	595	4	interchange	interchange	NOUN
cblr-3007	595	5	feesno	feesno	NOUN
cblr-3007	595	6	.	.	PUNCT
cblr-3007	596	1	3:55	3:55	NUM
cblr-3007	596	2	11	11	NUM
cblr-3007	596	3	arose	arise	VERB
cblr-3007	596	4	in	in	ADP
cblr-3007	596	5	the	the	DET
cblr-3007	596	6	last	last	ADJ
cblr-3007	596	7	round	round	NOUN
cblr-3007	596	8	of	of	ADP
cblr-3007	596	9	the	the	DET
cblr-3007	596	10	australian	australian	ADJ
cblr-3007	596	11	discussion	discussion	NOUN
cblr-3007	596	12	,	,	PUNCT
cblr-3007	596	13	when	when	SCONJ
cblr-3007	596	14	the	the	DET
cblr-3007	596	15	representatives	representative	NOUN
cblr-3007	596	16	of	of	ADP
cblr-3007	596	17	both	both	DET
cblr-3007	596	18	visa	visa	NOUN
cblr-3007	596	19	and	and	CCONJ
cblr-3007	596	20	mastercard	mastercard	PROPN
cblr-3007	596	21	noted	note	VERB
cblr-3007	596	22	that	that	SCONJ
cblr-3007	596	23	there	there	PRON
cblr-3007	596	24	is	be	VERB
cblr-3007	596	25	no	no	DET
cblr-3007	596	26	good	good	ADJ
cblr-3007	596	27	solution	solution	NOUN
cblr-3007	596	28	to	to	ADP
cblr-3007	596	29	regulating	regulate	VERB
cblr-3007	596	30	rival	rival	ADJ
cblr-3007	596	31	schemes	scheme	NOUN
cblr-3007	596	32	with	with	ADP
cblr-3007	596	33	different	different	ADJ
cblr-3007	596	34	cost	cost	NOUN
cblr-3007	596	35	structures.4	structures.4	NOUN
cblr-3007	596	36	'	'	PUNCT
cblr-3007	596	37	any	any	DET
cblr-3007	596	38	decision	decision	NOUN
cblr-3007	596	39	to	to	PART
cblr-3007	596	40	use	use	VERB
cblr-3007	596	41	a	a	DET
cblr-3007	596	42	"	"	PUNCT
cblr-3007	596	43	blended	blended	ADJ
cblr-3007	596	44	rate	rate	NOUN
cblr-3007	596	45	"	"	PUNCT
cblr-3007	596	46	in	in	ADP
cblr-3007	596	47	setting	set	VERB
cblr-3007	596	48	the	the	DET
cblr-3007	596	49	interchange	interchange	NOUN
cblr-3007	596	50	fee	fee	NOUN
cblr-3007	596	51	would	would	AUX
cblr-3007	596	52	effectively	effectively	ADV
cblr-3007	596	53	serve	serve	VERB
cblr-3007	596	54	to	to	PART
cblr-3007	596	55	distort	distort	VERB
cblr-3007	596	56	the	the	DET
cblr-3007	596	57	incentives	incentive	NOUN
cblr-3007	596	58	of	of	ADP
cblr-3007	596	59	both	both	DET
cblr-3007	596	60	firms	firm	NOUN
cblr-3007	596	61	.	.	PUNCT
cblr-3007	597	1	the	the	DET
cblr-3007	597	2	firm	firm	NOUN
cblr-3007	597	3	with	with	ADP
cblr-3007	597	4	higher	high	ADJ
cblr-3007	597	5	costs	cost	NOUN
cblr-3007	597	6	will	will	AUX
cblr-3007	597	7	receive	receive	VERB
cblr-3007	597	8	a	a	DET
cblr-3007	597	9	rate	rate	NOUN
cblr-3007	597	10	that	that	PRON
cblr-3007	597	11	will	will	AUX
cblr-3007	597	12	not	not	PART
cblr-3007	597	13	quite	quite	ADV
cblr-3007	597	14	cover	cover	VERB
cblr-3007	597	15	its	its	PRON
cblr-3007	597	16	expenses	expense	NOUN
cblr-3007	597	17	,	,	PUNCT
cblr-3007	597	18	even	even	ADV
cblr-3007	597	19	if	if	SCONJ
cblr-3007	597	20	the	the	DET
cblr-3007	597	21	costs	cost	NOUN
cblr-3007	597	22	it	it	PRON
cblr-3007	597	23	incurs	incur	VERB
cblr-3007	597	24	are	be	AUX
cblr-3007	597	25	justified	justify	VERB
cblr-3007	597	26	.	.	PUNCT
cblr-3007	598	1	the	the	DET
cblr-3007	598	2	firm	firm	NOUN
cblr-3007	598	3	with	with	ADP
cblr-3007	598	4	the	the	DET
cblr-3007	598	5	lower	low	ADJ
cblr-3007	598	6	rate	rate	NOUN
cblr-3007	598	7	will	will	AUX
cblr-3007	598	8	receive	receive	VERB
cblr-3007	598	9	an	an	DET
cblr-3007	598	10	extra	extra	ADJ
cblr-3007	598	11	bonus	bonus	NOUN
cblr-3007	598	12	that	that	PRON
cblr-3007	598	13	bears	bear	VERB
cblr-3007	598	14	no	no	DET
cblr-3007	598	15	relationship	relationship	NOUN
cblr-3007	598	16	to	to	ADP
cblr-3007	598	17	its	its	PRON
cblr-3007	598	18	own	own	ADJ
cblr-3007	598	19	costs	cost	NOUN
cblr-3007	598	20	.	.	PUNCT
cblr-3007	599	1	yet	yet	ADV
cblr-3007	599	2	,	,	PUNCT
cblr-3007	599	3	adopting	adopt	VERB
cblr-3007	599	4	a	a	DET
cblr-3007	599	5	system	system	NOUN
cblr-3007	599	6	that	that	PRON
cblr-3007	599	7	allows	allow	VERB
cblr-3007	599	8	the	the	DET
cblr-3007	599	9	interchange	interchange	NOUN
cblr-3007	599	10	fee	fee	NOUN
cblr-3007	599	11	to	to	PART
cblr-3007	599	12	rise	rise	VERB
cblr-3007	599	13	in	in	ADP
cblr-3007	599	14	response	response	NOUN
cblr-3007	599	15	to	to	ADP
cblr-3007	599	16	higher	high	ADJ
cblr-3007	599	17	costs	cost	NOUN
cblr-3007	599	18	does	do	VERB
cblr-3007	599	19	nothing	nothing	PRON
cblr-3007	599	20	to	to	PART
cblr-3007	599	21	control	control	VERB
cblr-3007	599	22	the	the	DET
cblr-3007	599	23	operational	operational	ADJ
cblr-3007	599	24	efficiency	efficiency	NOUN
cblr-3007	599	25	of	of	ADP
cblr-3007	599	26	the	the	DET
cblr-3007	599	27	system	system	NOUN
cblr-3007	599	28	or	or	CCONJ
cblr-3007	599	29	to	to	PART
cblr-3007	599	30	rein	rein	VERB
cblr-3007	599	31	in	in	ADP
cblr-3007	599	32	any	any	DET
cblr-3007	599	33	component	component	NOUN
cblr-3007	599	34	of	of	ADP
cblr-3007	599	35	monopoly	monopoly	NOUN
cblr-3007	599	36	pricing	pricing	NOUN
cblr-3007	599	37	.	.	PUNCT
cblr-3007	600	1	in	in	ADP
cblr-3007	600	2	the	the	DET
cblr-3007	600	3	end	end	NOUN
cblr-3007	600	4	,	,	PUNCT
cblr-3007	600	5	therefore	therefore	ADV
cblr-3007	600	6	,	,	PUNCT
cblr-3007	600	7	no	no	DET
cblr-3007	600	8	form	form	NOUN
cblr-3007	600	9	of	of	ADP
cblr-3007	600	10	interchange	interchange	NOUN
cblr-3007	600	11	regulation	regulation	NOUN
cblr-3007	600	12	is	be	AUX
cblr-3007	600	13	likely	likely	ADJ
cblr-3007	600	14	to	to	PART
cblr-3007	600	15	generate	generate	VERB
cblr-3007	600	16	efficiency	efficiency	NOUN
cblr-3007	600	17	gains	gain	NOUN
cblr-3007	600	18	.	.	PUNCT
cblr-3007	601	1	cost	cost	NOUN
cblr-3007	601	2	-	-	PUNCT
cblr-3007	601	3	based	base	VERB
cblr-3007	601	4	regulation	regulation	NOUN
cblr-3007	601	5	forces	force	VERB
cblr-3007	601	6	the	the	DET
cblr-3007	601	7	firm	firm	NOUN
cblr-3007	601	8	that	that	PRON
cblr-3007	601	9	cuts	cut	VERB
cblr-3007	601	10	costs	cost	NOUN
cblr-3007	601	11	to	to	PART
cblr-3007	601	12	lose	lose	VERB
cblr-3007	601	13	revenue	revenue	NOUN
cblr-3007	601	14	if	if	SCONJ
cblr-3007	601	15	rates	rate	NOUN
cblr-3007	601	16	are	be	AUX
cblr-3007	601	17	calculated	calculate	VERB
cblr-3007	601	18	with	with	ADP
cblr-3007	601	19	reference	reference	NOUN
cblr-3007	601	20	to	to	ADP
cblr-3007	601	21	some	some	DET
cblr-3007	601	22	fixed	fix	VERB
cblr-3007	601	23	rate	rate	NOUN
cblr-3007	601	24	of	of	ADP
cblr-3007	601	25	return	return	NOUN
cblr-3007	601	26	.	.	PUNCT
cblr-3007	602	1	the	the	DET
cblr-3007	602	2	regulated	regulated	ADJ
cblr-3007	602	3	firm	firm	NOUN
cblr-3007	602	4	would	would	AUX
cblr-3007	602	5	do	do	VERB
cblr-3007	602	6	better	well	ADV
cblr-3007	602	7	by	by	ADP
cblr-3007	602	8	raising	raise	VERB
cblr-3007	602	9	costs	cost	NOUN
cblr-3007	602	10	,	,	PUNCT
cblr-3007	602	11	not	not	PART
cblr-3007	602	12	by	by	ADP
cblr-3007	602	13	cutting	cut	VERB
cblr-3007	602	14	them	they	PRON
cblr-3007	602	15	.	.	PUNCT
cblr-3007	603	1	in	in	ADP
cblr-3007	603	2	unregulated	unregulated	ADJ
cblr-3007	603	3	markets	market	NOUN
cblr-3007	603	4	,	,	PUNCT
cblr-3007	603	5	regardless	regardless	ADV
cblr-3007	603	6	of	of	ADP
cblr-3007	603	7	structure	structure	NOUN
cblr-3007	603	8	,	,	PUNCT
cblr-3007	603	9	the	the	DET
cblr-3007	603	10	opposite	opposite	NOUN
cblr-3007	603	11	is	be	AUX
cblr-3007	603	12	true	true	ADJ
cblr-3007	603	13	.	.	PUNCT
cblr-3007	604	1	the	the	DET
cblr-3007	604	2	firm	firm	NOUN
cblr-3007	604	3	that	that	PRON
cblr-3007	604	4	lowers	lower	VERB
cblr-3007	604	5	costs	cost	NOUN
cblr-3007	604	6	makes	make	VERB
cblr-3007	604	7	more	more	ADJ
cblr-3007	604	8	profits	profit	NOUN
cblr-3007	604	9	because	because	SCONJ
cblr-3007	604	10	it	it	PRON
cblr-3007	604	11	can	can	AUX
cblr-3007	604	12	internalize	internalize	VERB
cblr-3007	604	13	some	some	DET
cblr-3007	604	14	portion	portion	NOUN
cblr-3007	604	15	of	of	ADP
cblr-3007	604	16	the	the	DET
cblr-3007	604	17	relevant	relevant	ADJ
cblr-3007	604	18	gain	gain	NOUN
cblr-3007	604	19	.	.	PUNCT
cblr-3007	605	1	those	those	DET
cblr-3007	605	2	forces	force	NOUN
cblr-3007	605	3	remain	remain	VERB
cblr-3007	605	4	in	in	ADP
cblr-3007	605	5	the	the	DET
cblr-3007	605	6	interchange	interchange	NOUN
cblr-3007	605	7	fee	fee	NOUN
cblr-3007	605	8	market	market	NOUN
cblr-3007	605	9	.	.	PUNCT
cblr-3007	606	1	on	on	ADP
cblr-3007	606	2	balance	balance	NOUN
cblr-3007	606	3	,	,	PUNCT
cblr-3007	606	4	therefore	therefore	ADV
cblr-3007	606	5	,	,	PUNCT
cblr-3007	606	6	the	the	DET
cblr-3007	606	7	overall	overall	ADJ
cblr-3007	606	8	situation	situation	NOUN
cblr-3007	606	9	is	be	AUX
cblr-3007	606	10	as	as	SCONJ
cblr-3007	606	11	follows	follow	VERB
cblr-3007	606	12	.	.	PUNCT
cblr-3007	607	1	the	the	DET
cblr-3007	607	2	rba	rba	NOUN
cblr-3007	607	3	's	's	PART
cblr-3007	607	4	basic	basic	ADJ
cblr-3007	607	5	perception	perception	NOUN
cblr-3007	607	6	is	be	AUX
cblr-3007	607	7	that	that	SCONJ
cblr-3007	607	8	the	the	DET
cblr-3007	607	9	high	high	ADJ
cblr-3007	607	10	concentration	concentration	NOUN
cblr-3007	607	11	in	in	ADP
cblr-3007	607	12	the	the	DET
cblr-3007	607	13	credit	credit	NOUN
cblr-3007	607	14	card	card	NOUN
cblr-3007	607	15	industry	industry	NOUN
cblr-3007	607	16	suggests	suggest	VERB
cblr-3007	607	17	that	that	SCONJ
cblr-3007	607	18	the	the	DET
cblr-3007	607	19	interchange	interchange	NOUN
cblr-3007	607	20	fees	fee	NOUN
cblr-3007	607	21	observed	observe	VERB
cblr-3007	607	22	are	be	AUX
cblr-3007	607	23	higher	high	ADJ
cblr-3007	607	24	than	than	ADP
cblr-3007	607	25	those	those	PRON
cblr-3007	607	26	that	that	PRON
cblr-3007	607	27	could	could	AUX
cblr-3007	607	28	be	be	AUX
cblr-3007	607	29	sustained	sustain	VERB
cblr-3007	607	30	in	in	ADP
cblr-3007	607	31	a	a	DET
cblr-3007	607	32	competitive	competitive	ADJ
cblr-3007	607	33	market	market	NOUN
cblr-3007	607	34	.	.	PUNCT
cblr-3007	608	1	if	if	SCONJ
cblr-3007	608	2	this	this	PRON
cblr-3007	608	3	is	be	AUX
cblr-3007	608	4	so	so	ADV
cblr-3007	608	5	,	,	PUNCT
cblr-3007	608	6	then	then	ADV
cblr-3007	608	7	the	the	DET
cblr-3007	608	8	rate	rate	NOUN
cblr-3007	608	9	regulation	regulation	NOUN
cblr-3007	608	10	does	do	AUX
cblr-3007	608	11	not	not	PART
cblr-3007	608	12	look	look	VERB
cblr-3007	608	13	like	like	ADP
cblr-3007	608	14	some	some	DET
cblr-3007	608	15	special	special	ADJ
cblr-3007	608	16	intervention	intervention	NOUN
cblr-3007	608	17	tailored	tailor	VERB
cblr-3007	608	18	to	to	PART
cblr-3007	608	19	interchange	interchange	VERB
cblr-3007	608	20	relationships	relationship	NOUN
cblr-3007	608	21	,	,	PUNCT
cblr-3007	608	22	but	but	CCONJ
cblr-3007	608	23	rather	rather	ADV
cblr-3007	608	24	like	like	ADP
cblr-3007	608	25	typical	typical	ADJ
cblr-3007	608	26	rate	rate	NOUN
cblr-3007	608	27	-	-	PUNCT
cblr-3007	608	28	ofreturn	ofreturn	NOUN
cblr-3007	608	29	regulation	regulation	NOUN
cblr-3007	608	30	on	on	ADP
cblr-3007	608	31	a	a	DET
cblr-3007	608	32	natural	natural	ADJ
cblr-3007	608	33	monopoly	monopoly	NOUN
cblr-3007	608	34	thought	think	VERB
cblr-3007	608	35	to	to	PART
cblr-3007	608	36	be	be	AUX
cblr-3007	608	37	a	a	DET
cblr-3007	608	38	product	product	NOUN
cblr-3007	608	39	of	of	ADP
cblr-3007	608	40	the	the	DET
cblr-3007	608	41	new	new	ADJ
cblr-3007	608	42	technological	technological	ADJ
cblr-3007	608	43	age	age	NOUN
cblr-3007	608	44	.	.	PUNCT
cblr-3007	609	1	regulation	regulation	NOUN
cblr-3007	609	2	is	be	AUX
cblr-3007	609	3	used	use	VERB
cblr-3007	609	4	because	because	SCONJ
cblr-3007	609	5	a	a	DET
cblr-3007	609	6	competitive	competitive	ADJ
cblr-3007	609	7	equilibrium	equilibrium	NOUN
cblr-3007	609	8	is	be	AUX
cblr-3007	609	9	not	not	PART
cblr-3007	609	10	attainable	attainable	ADJ
cblr-3007	609	11	in	in	ADP
cblr-3007	609	12	this	this	DET
cblr-3007	609	13	network	network	NOUN
cblr-3007	609	14	industry	industry	NOUN
cblr-3007	609	15	.	.	PUNCT
cblr-3007	610	1	the	the	DET
cblr-3007	610	2	regulatory	regulatory	ADJ
cblr-3007	610	3	initiative	initiative	NOUN
cblr-3007	610	4	,	,	PUNCT
cblr-3007	610	5	therefore	therefore	ADV
cblr-3007	610	6	,	,	PUNCT
cblr-3007	610	7	is	be	AUX
cblr-3007	610	8	best	well	ADV
cblr-3007	610	9	explained	explain	VERB
cblr-3007	610	10	as	as	ADP
cblr-3007	610	11	an	an	DET
cblr-3007	610	12	effort	effort	NOUN
cblr-3007	610	13	to	to	PART
cblr-3007	610	14	offset	offset	VERB
cblr-3007	610	15	some	some	DET
cblr-3007	610	16	perceived	perceive	VERB
cblr-3007	610	17	monopolistic	monopolistic	ADJ
cblr-3007	610	18	imbalance	imbalance	NOUN
cblr-3007	610	19	stemming	stem	VERB
cblr-3007	610	20	from	from	ADP
cblr-3007	610	21	the	the	DET
cblr-3007	610	22	small	small	ADJ
cblr-3007	610	23	number	number	NOUN
cblr-3007	610	24	of	of	ADP
cblr-3007	610	25	independent	independent	ADJ
cblr-3007	610	26	networks	network	NOUN
cblr-3007	610	27	,	,	PUNCT
cblr-3007	610	28	but	but	CCONJ
cblr-3007	610	29	that	that	PRON
cblr-3007	610	30	is	be	AUX
cblr-3007	610	31	not	not	PART
cblr-3007	610	32	the	the	DET
cblr-3007	610	33	explicit	explicit	ADJ
cblr-3007	610	34	rationale	rationale	NOUN
cblr-3007	610	35	40	40	NUM
cblr-3007	610	36	see	see	VERB
cblr-3007	610	37	clapham	clapham	NOUN
cblr-3007	610	38	letter	letter	NOUN
cblr-3007	610	39	,	,	PUNCT
cblr-3007	610	40	supra	supra	PROPN
cblr-3007	610	41	note	note	PROPN
cblr-3007	610	42	29	29	NUM
cblr-3007	610	43	,	,	PUNCT
cblr-3007	610	44	at	at	ADP
cblr-3007	610	45	1	1	NUM
cblr-3007	610	46	-	-	SYM
cblr-3007	610	47	21	21	NUM
cblr-3007	610	48	.	.	PUNCT
cblr-3007	611	1	[	[	X
cblr-3007	611	2	vol	vol	NOUN
cblr-3007	611	3	.	.	PUNCT
cblr-3007	612	1	2005col	2005col	NUM
cblr-3007	612	2	umbia	umbia	NOUN
cblr-3007	613	1	b	b	PROPN
cblr-3007	614	1	usiness	usiness	PROPN
cblr-3007	614	2	la	la	PROPN
cblr-3007	614	3	w	w	PROPN
cblr-3007	614	4	re	re	PROPN
cblr-3007	614	5	vie	vie	PROPN
cblr-3007	614	6	w	w	PROPN
cblr-3007	614	7	the	the	DET
cblr-3007	614	8	regulation	regulation	NOUN
cblr-3007	614	9	of	of	ADP
cblr-3007	614	10	interchange	interchange	NOUN
cblr-3007	614	11	fees	fee	NOUN
cblr-3007	614	12	of	of	ADP
cblr-3007	614	13	the	the	DET
cblr-3007	614	14	rba.4	rba.4	PROPN
cblr-3007	614	15	1	1	NUM
cblr-3007	614	16	at	at	ADP
cblr-3007	614	17	this	this	DET
cblr-3007	614	18	point	point	NOUN
cblr-3007	614	19	,	,	PUNCT
cblr-3007	614	20	however	however	ADV
cblr-3007	614	21	,	,	PUNCT
cblr-3007	614	22	the	the	DET
cblr-3007	614	23	rba	rba	NOUN
cblr-3007	614	24	initiative	initiative	NOUN
cblr-3007	614	25	runs	run	VERB
cblr-3007	614	26	into	into	ADP
cblr-3007	614	27	the	the	DET
cblr-3007	614	28	same	same	ADJ
cblr-3007	614	29	objection	objection	NOUN
cblr-3007	614	30	that	that	PRON
cblr-3007	614	31	was	be	AUX
cblr-3007	614	32	raised	raise	VERB
cblr-3007	614	33	many	many	ADJ
cblr-3007	614	34	years	year	NOUN
cblr-3007	614	35	ago	ago	ADV
cblr-3007	614	36	by	by	ADP
cblr-3007	614	37	harold	harold	PROPN
cblr-3007	614	38	demsetz	demsetz	PROPN
cblr-3007	614	39	in	in	ADP
cblr-3007	614	40	his	his	PRON
cblr-3007	614	41	classic	classic	ADJ
cblr-3007	614	42	article	article	NOUN
cblr-3007	614	43	,	,	PUNCT
cblr-3007	614	44	why	why	SCONJ
cblr-3007	614	45	regulate	regulate	VERB
cblr-3007	614	46	utilities	utility	NOUN
cblr-3007	614	47	?	?	PUNCT
cblr-3007	614	48	:	:	PUNCT
cblr-3007	615	1	the	the	DET
cblr-3007	615	2	public	public	ADJ
cblr-3007	615	3	expenses	expense	NOUN
cblr-3007	615	4	incurred	incur	VERB
cblr-3007	615	5	will	will	AUX
cblr-3007	615	6	not	not	PART
cblr-3007	615	7	achieve	achieve	VERB
cblr-3007	615	8	the	the	DET
cblr-3007	615	9	static	static	ADJ
cblr-3007	615	10	competitive	competitive	ADJ
cblr-3007	615	11	solution.42	solution.42	NOUN
cblr-3007	615	12	at	at	ADP
cblr-3007	615	13	the	the	DET
cblr-3007	615	14	same	same	ADJ
cblr-3007	615	15	time	time	NOUN
cblr-3007	615	16	,	,	PUNCT
cblr-3007	615	17	the	the	DET
cblr-3007	615	18	rate	rate	NOUN
cblr-3007	615	19	structure	structure	NOUN
cblr-3007	615	20	operates	operate	VERB
cblr-3007	615	21	as	as	ADP
cblr-3007	615	22	a	a	DET
cblr-3007	615	23	systematic	systematic	ADJ
cblr-3007	615	24	drag	drag	NOUN
cblr-3007	615	25	on	on	ADP
cblr-3007	615	26	long	long	ADJ
cblr-3007	615	27	-	-	PUNCT
cblr-3007	615	28	term	term	NOUN
cblr-3007	615	29	innovation	innovation	NOUN
cblr-3007	615	30	by	by	ADP
cblr-3007	615	31	robbing	rob	VERB
cblr-3007	615	32	the	the	DET
cblr-3007	615	33	innovative	innovative	ADJ
cblr-3007	615	34	firm	firm	NOUN
cblr-3007	615	35	of	of	ADP
cblr-3007	615	36	the	the	DET
cblr-3007	615	37	additional	additional	ADJ
cblr-3007	615	38	revenues	revenue	NOUN
cblr-3007	615	39	it	it	PRON
cblr-3007	615	40	otherwise	otherwise	ADV
cblr-3007	615	41	deserves.43	deserves.43	VERB
cblr-3007	615	42	the	the	DET
cblr-3007	615	43	criticisms	criticism	NOUN
cblr-3007	615	44	of	of	ADP
cblr-3007	615	45	the	the	DET
cblr-3007	615	46	rba	rba	NOUN
cblr-3007	615	47	interchange	interchange	NOUN
cblr-3007	615	48	regulations	regulation	NOUN
cblr-3007	615	49	,	,	PUNCT
cblr-3007	615	50	therefore	therefore	ADV
cblr-3007	615	51	,	,	PUNCT
cblr-3007	615	52	must	must	AUX
cblr-3007	615	53	be	be	AUX
cblr-3007	615	54	tempered	temper	VERB
cblr-3007	615	55	because	because	SCONJ
cblr-3007	615	56	the	the	DET
cblr-3007	615	57	credit	credit	NOUN
cblr-3007	615	58	card	card	NOUN
cblr-3007	615	59	industry	industry	NOUN
cblr-3007	615	60	does	do	AUX
cblr-3007	615	61	not	not	PART
cblr-3007	615	62	operate	operate	VERB
cblr-3007	615	63	in	in	ADP
cblr-3007	615	64	a	a	DET
cblr-3007	615	65	perfectly	perfectly	ADV
cblr-3007	615	66	competitive	competitive	ADJ
cblr-3007	615	67	market	market	NOUN
cblr-3007	615	68	.	.	PUNCT
cblr-3007	616	1	as	as	ADP
cblr-3007	616	2	a	a	DET
cblr-3007	616	3	result	result	NOUN
cblr-3007	616	4	,	,	PUNCT
cblr-3007	616	5	some	some	DET
cblr-3007	616	6	regulation	regulation	NOUN
cblr-3007	616	7	in	in	ADP
cblr-3007	616	8	principle	principle	NOUN
cblr-3007	616	9	might	might	AUX
cblr-3007	616	10	create	create	VERB
cblr-3007	616	11	some	some	DET
cblr-3007	616	12	overall	overall	ADJ
cblr-3007	616	13	improvement	improvement	NOUN
cblr-3007	616	14	.	.	PUNCT
cblr-3007	617	1	nevertheless	nevertheless	ADV
cblr-3007	617	2	,	,	PUNCT
cblr-3007	617	3	one	one	PRON
cblr-3007	617	4	might	might	AUX
cblr-3007	617	5	wonder	wonder	VERB
cblr-3007	617	6	whether	whether	SCONJ
cblr-3007	617	7	major	major	ADJ
cblr-3007	617	8	regulatory	regulatory	ADJ
cblr-3007	617	9	initiatives	initiative	NOUN
cblr-3007	617	10	ought	ought	AUX
cblr-3007	617	11	to	to	PART
cblr-3007	617	12	rest	rest	VERB
cblr-3007	617	13	solely	solely	ADV
cblr-3007	617	14	on	on	ADP
cblr-3007	617	15	that	that	DET
cblr-3007	617	16	kind	kind	NOUN
cblr-3007	617	17	of	of	ADP
cblr-3007	617	18	existential	existential	ADJ
cblr-3007	617	19	theorem	theorem	NOUN
cblr-3007	617	20	in	in	ADP
cblr-3007	617	21	light	light	NOUN
cblr-3007	617	22	of	of	ADP
cblr-3007	617	23	the	the	DET
cblr-3007	617	24	formidable	formidable	ADJ
cblr-3007	617	25	obstacles	obstacle	NOUN
cblr-3007	617	26	that	that	PRON
cblr-3007	617	27	stand	stand	VERB
cblr-3007	617	28	in	in	ADP
cblr-3007	617	29	their	their	PRON
cblr-3007	617	30	path	path	NOUN
cblr-3007	617	31	.	.	PUNCT
cblr-3007	618	1	the	the	DET
cblr-3007	618	2	reforms	reform	NOUN
cblr-3007	618	3	that	that	PRON
cblr-3007	618	4	are	be	AUX
cblr-3007	618	5	necessary	necessary	ADJ
cblr-3007	618	6	to	to	PART
cblr-3007	618	7	correct	correct	VERB
cblr-3007	618	8	one	one	NUM
cblr-3007	618	9	admitted	admit	VERB
cblr-3007	618	10	market	market	NOUN
cblr-3007	618	11	imperfection	imperfection	NOUN
cblr-3007	618	12	introduce	introduce	VERB
cblr-3007	618	13	other	other	ADJ
cblr-3007	618	14	costs	cost	NOUN
cblr-3007	618	15	,	,	PUNCT
cblr-3007	618	16	errors	error	NOUN
cblr-3007	618	17	,	,	PUNCT
cblr-3007	618	18	and	and	CCONJ
cblr-3007	618	19	distortions	distortion	NOUN
cblr-3007	618	20	in	in	ADP
cblr-3007	618	21	their	their	PRON
cblr-3007	618	22	stead	stead	NOUN
cblr-3007	618	23	,	,	PUNCT
cblr-3007	618	24	which	which	PRON
cblr-3007	618	25	,	,	PUNCT
cblr-3007	618	26	in	in	ADP
cblr-3007	618	27	all	all	DET
cblr-3007	618	28	likelihood	likelihood	NOUN
cblr-3007	618	29	,	,	PUNCT
cblr-3007	618	30	are	be	AUX
cblr-3007	618	31	greater	great	ADJ
cblr-3007	618	32	than	than	ADP
cblr-3007	618	33	those	those	DET
cblr-3007	618	34	costs	cost	NOUN
cblr-3007	618	35	that	that	PRON
cblr-3007	618	36	regulation	regulation	NOUN
cblr-3007	618	37	has	have	AUX
cblr-3007	618	38	eliminated	eliminate	VERB
cblr-3007	618	39	.	.	PUNCT
cblr-3007	619	1	the	the	DET
cblr-3007	619	2	proper	proper	ADJ
cblr-3007	619	3	institutional	institutional	ADJ
cblr-3007	619	4	response	response	NOUN
cblr-3007	619	5	should	should	AUX
cblr-3007	619	6	take	take	VERB
cblr-3007	619	7	its	its	PRON
cblr-3007	619	8	cue	cue	NOUN
cblr-3007	619	9	from	from	ADP
cblr-3007	619	10	the	the	DET
cblr-3007	619	11	hippocratic	hippocratic	ADJ
cblr-3007	619	12	oath	oath	NOUN
cblr-3007	619	13	:	:	PUNCT
cblr-3007	619	14	primum	primum	PROPN
cblr-3007	619	15	non	non	X
cblr-3007	619	16	nocere	nocere	PROPN
cblr-3007	619	17	.	.	PUNCT
cblr-3007	620	1	first	first	ADV
cblr-3007	620	2	,	,	PUNCT
cblr-3007	620	3	do	do	AUX
cblr-3007	620	4	not	not	PART
cblr-3007	620	5	harm	harm	VERB
cblr-3007	620	6	.	.	PUNCT
cblr-3007	621	1	vi	vi	X
cblr-3007	621	2	.	.	NOUN
cblr-3007	621	3	antitrust	antitrust	ADJ
cblr-3007	621	4	implications	implication	NOUN
cblr-3007	621	5	in	in	ADP
cblr-3007	621	6	sum	sum	NOUN
cblr-3007	621	7	,	,	PUNCT
cblr-3007	621	8	the	the	DET
cblr-3007	621	9	rba	rba	NOUN
cblr-3007	621	10	's	's	PART
cblr-3007	621	11	well	well	ADV
cblr-3007	621	12	-	-	PUNCT
cblr-3007	621	13	intentioned	intentione	VERB
cblr-3007	621	14	efforts	effort	NOUN
cblr-3007	621	15	to	to	PART
cblr-3007	621	16	counteract	counteract	VERB
cblr-3007	621	17	imperfections	imperfection	NOUN
cblr-3007	621	18	in	in	ADP
cblr-3007	621	19	the	the	DET
cblr-3007	621	20	interchange	interchange	NOUN
cblr-3007	621	21	market	market	NOUN
cblr-3007	621	22	through	through	ADP
cblr-3007	621	23	regulation	regulation	NOUN
cblr-3007	621	24	may	may	AUX
cblr-3007	621	25	be	be	AUX
cblr-3007	621	26	worse	bad	ADJ
cblr-3007	621	27	than	than	ADP
cblr-3007	621	28	the	the	DET
cblr-3007	621	29	disease	disease	NOUN
cblr-3007	621	30	itself	itself	PRON
cblr-3007	621	31	.	.	PUNCT
cblr-3007	622	1	it	it	PRON
cblr-3007	622	2	does	do	AUX
cblr-3007	622	3	not	not	PART
cblr-3007	622	4	follow	follow	VERB
cblr-3007	622	5	,	,	PUNCT
cblr-3007	622	6	however	however	ADV
cblr-3007	622	7	,	,	PUNCT
cblr-3007	622	8	that	that	SCONJ
cblr-3007	622	9	administrative	administrative	ADJ
cblr-3007	622	10	actions	action	NOUN
cblr-3007	622	11	are	be	AUX
cblr-3007	622	12	the	the	DET
cblr-3007	622	13	wrong	wrong	ADJ
cblr-3007	622	14	way	way	NOUN
cblr-3007	622	15	to	to	PART
cblr-3007	622	16	regulate	regulate	VERB
cblr-3007	622	17	if	if	SCONJ
cblr-3007	622	18	some	some	DET
cblr-3007	622	19	state	state	NOUN
cblr-3007	622	20	intervention	intervention	NOUN
cblr-3007	622	21	is	be	AUX
cblr-3007	622	22	required	require	VERB
cblr-3007	622	23	to	to	PART
cblr-3007	622	24	address	address	VERB
cblr-3007	622	25	some	some	DET
cblr-3007	622	26	perceived	perceive	VERB
cblr-3007	622	27	monopolistic	monopolistic	ADJ
cblr-3007	622	28	(	(	PUNCT
cblr-3007	622	29	or	or	CCONJ
cblr-3007	622	30	at	at	ADP
cblr-3007	622	31	least	least	ADJ
cblr-3007	622	32	oligopolistic	oligopolistic	ADJ
cblr-3007	622	33	)	)	PUNCT
cblr-3007	622	34	power	power	NOUN
cblr-3007	622	35	inherent	inherent	ADJ
cblr-3007	622	36	in	in	ADP
cblr-3007	622	37	these	these	DET
cblr-3007	622	38	credit	credit	NOUN
cblr-3007	622	39	card	card	NOUN
cblr-3007	622	40	networks	network	NOUN
cblr-3007	622	41	.	.	PUNCT
cblr-3007	623	1	if	if	SCONJ
cblr-3007	623	2	some	some	DET
cblr-3007	623	3	public	public	ADJ
cblr-3007	623	4	response	response	NOUN
cblr-3007	623	5	is	be	AUX
cblr-3007	623	6	indeed	indeed	ADV
cblr-3007	623	7	required	require	VERB
cblr-3007	623	8	,	,	PUNCT
cblr-3007	623	9	then	then	ADV
cblr-3007	623	10	the	the	DET
cblr-3007	623	11	administrative	administrative	ADJ
cblr-3007	623	12	approach	approach	NOUN
cblr-3007	623	13	,	,	PUNCT
cblr-3007	623	14	for	for	ADP
cblr-3007	623	15	all	all	DET
cblr-3007	623	16	its	its	PRON
cblr-3007	623	17	failings	failing	NOUN
cblr-3007	623	18	,	,	PUNCT
cblr-3007	623	19	might	might	AUX
cblr-3007	623	20	be	be	AUX
cblr-3007	623	21	preferable	preferable	ADJ
cblr-3007	623	22	to	to	ADP
cblr-3007	623	23	its	its	PRON
cblr-3007	623	24	most	most	ADV
cblr-3007	623	25	common	common	ADJ
cblr-3007	623	26	rival	rival	NOUN
cblr-3007	623	27	-	-	PUNCT
cblr-3007	623	28	the	the	DET
cblr-3007	623	29	enforcement	enforcement	NOUN
cblr-3007	623	30	of	of	ADP
cblr-3007	623	31	antitrust	antitrust	ADJ
cblr-3007	623	32	laws	law	NOUN
cblr-3007	623	33	through	through	ADP
cblr-3007	623	34	private	private	ADJ
cblr-3007	623	35	rights	right	NOUN
cblr-3007	623	36	of	of	ADP
cblr-3007	623	37	action	action	NOUN
cblr-3007	623	38	,	,	PUNCT
cblr-3007	623	39	as	as	SCONJ
cblr-3007	623	40	allowed	allow	VERB
cblr-3007	623	41	in	in	ADP
cblr-3007	623	42	the	the	DET
cblr-3007	623	43	united	united	PROPN
cblr-3007	623	44	states	states	PROPN
cblr-3007	623	45	41	41	NUM
cblr-3007	623	46	i	i	PRON
cblr-3007	623	47	d.	d.	PROPN
cblr-3007	623	48	42	42	NUM
cblr-3007	623	49	harold	harold	PROPN
cblr-3007	623	50	demsetz	demsetz	PROPN
cblr-3007	623	51	,	,	PUNCT
cblr-3007	623	52	why	why	SCONJ
cblr-3007	623	53	regulate	regulate	VERB
cblr-3007	623	54	utilities	utility	NOUN
cblr-3007	623	55	?	?	PUNCT
cblr-3007	623	56	,	,	PUNCT
cblr-3007	623	57	11	11	NUM
cblr-3007	623	58	j.	j.	PROPN
cblr-3007	623	59	law	law	PROPN
cblr-3007	623	60	&	&	CCONJ
cblr-3007	623	61	econ	econ	PROPN
cblr-3007	623	62	.	.	PUNCT
cblr-3007	624	1	55	55	NUM
cblr-3007	624	2	(	(	PUNCT
cblr-3007	624	3	1968	1968	NUM
cblr-3007	624	4	)	)	PUNCT
cblr-3007	624	5	.	.	PUNCT
cblr-3007	625	1	43	43	NUM
cblr-3007	626	1	i	i	PRON
cblr-3007	626	2	d.	d.	PROPN
cblr-3007	626	3	no	no	INTJ
cblr-3007	626	4	.	.	PUNCT
cblr-3007	627	1	3:551	3:551	NUM
cblr-3007	627	2	]	]	X
cblr-3007	627	3	under	under	ADP
cblr-3007	627	4	the	the	DET
cblr-3007	627	5	clayton	clayton	PROPN
cblr-3007	627	6	act	act	PROPN
cblr-3007	627	7	,	,	PUNCT
cblr-3007	627	8	for	for	ADP
cblr-3007	627	9	damages	damage	NOUN
cblr-3007	627	10	resulting	result	VERB
cblr-3007	627	11	from	from	ADP
cblr-3007	627	12	another	another	DET
cblr-3007	627	13	firm	firm	NOUN
cblr-3007	627	14	's	's	PART
cblr-3007	627	15	improper	improper	ADJ
cblr-3007	627	16	business	business	NOUN
cblr-3007	627	17	practices	practice	NOUN
cblr-3007	627	18	.	.	PUNCT
cblr-3007	627	19	"	"	PUNCT
cblr-3007	628	1	in	in	ADP
cblr-3007	628	2	the	the	DET
cblr-3007	628	3	antitrust	antitrust	ADJ
cblr-3007	628	4	setting	setting	NOUN
cblr-3007	628	5	,	,	PUNCT
cblr-3007	628	6	as	as	ADP
cblr-3007	628	7	in	in	ADP
cblr-3007	628	8	the	the	DET
cblr-3007	628	9	regulatory	regulatory	ADJ
cblr-3007	628	10	arena	arena	NOUN
cblr-3007	628	11	,	,	PUNCT
cblr-3007	628	12	there	there	PRON
cblr-3007	628	13	is	be	VERB
cblr-3007	628	14	good	good	ADJ
cblr-3007	628	15	reason	reason	NOUN
cblr-3007	628	16	to	to	PART
cblr-3007	628	17	be	be	AUX
cblr-3007	628	18	cautious	cautious	ADJ
cblr-3007	628	19	.	.	PUNCT
cblr-3007	629	1	even	even	ADV
cblr-3007	629	2	under	under	ADP
cblr-3007	629	3	the	the	DET
cblr-3007	629	4	best	good	ADJ
cblr-3007	629	5	of	of	ADP
cblr-3007	629	6	circumstances	circumstance	NOUN
cblr-3007	629	7	,	,	PUNCT
cblr-3007	629	8	it	it	PRON
cblr-3007	629	9	is	be	AUX
cblr-3007	629	10	difficult	difficult	ADJ
cblr-3007	629	11	to	to	PART
cblr-3007	629	12	design	design	VERB
cblr-3007	629	13	an	an	DET
cblr-3007	629	14	ideal	ideal	ADJ
cblr-3007	629	15	antitrust	antitrust	ADJ
cblr-3007	629	16	law	law	NOUN
cblr-3007	629	17	.	.	PUNCT
cblr-3007	630	1	the	the	DET
cblr-3007	630	2	strongest	strong	ADJ
cblr-3007	630	3	case	case	NOUN
cblr-3007	630	4	for	for	ADP
cblr-3007	630	5	intervention	intervention	NOUN
cblr-3007	630	6	on	on	ADP
cblr-3007	630	7	that	that	DET
cblr-3007	630	8	score	score	NOUN
cblr-3007	630	9	is	be	AUX
cblr-3007	630	10	presented	present	VERB
cblr-3007	630	11	by	by	ADP
cblr-3007	630	12	"	"	PUNCT
cblr-3007	630	13	hardcore	hardcore	ADJ
cblr-3007	630	14	"	"	PUNCT
cblr-3007	630	15	cartels	cartel	NOUN
cblr-3007	630	16	in	in	ADP
cblr-3007	630	17	ordinary	ordinary	ADJ
cblr-3007	630	18	businesses	business	NOUN
cblr-3007	630	19	that	that	PRON
cblr-3007	630	20	raise	raise	VERB
cblr-3007	630	21	prices	price	NOUN
cblr-3007	630	22	,	,	PUNCT
cblr-3007	630	23	reduce	reduce	VERB
cblr-3007	630	24	quantity	quantity	NOUN
cblr-3007	630	25	,	,	PUNCT
cblr-3007	630	26	and	and	CCONJ
cblr-3007	630	27	precipitate	precipitate	VERB
cblr-3007	630	28	overall	overall	ADJ
cblr-3007	630	29	social	social	ADJ
cblr-3007	630	30	loss.4	loss.4	PROPN
cblr-3007	630	31	"	"	PUNCT
cblr-3007	630	32	yet	yet	ADV
cblr-3007	630	33	,	,	PUNCT
cblr-3007	630	34	even	even	ADV
cblr-3007	630	35	a	a	DET
cblr-3007	630	36	straightforward	straightforward	ADJ
cblr-3007	630	37	question	question	NOUN
cblr-3007	630	38	,	,	PUNCT
cblr-3007	630	39	such	such	ADJ
cblr-3007	630	40	as	as	ADP
cblr-3007	630	41	whether	whether	SCONJ
cblr-3007	630	42	to	to	PART
cblr-3007	630	43	allow	allow	VERB
cblr-3007	630	44	a	a	DET
cblr-3007	630	45	merger	merger	NOUN
cblr-3007	630	46	of	of	ADP
cblr-3007	630	47	two	two	NUM
cblr-3007	630	48	firms	firm	NOUN
cblr-3007	630	49	,	,	PUNCT
cblr-3007	630	50	is	be	AUX
cblr-3007	630	51	fraught	fraught	ADJ
cblr-3007	630	52	with	with	ADP
cblr-3007	630	53	difficulty	difficulty	NOUN
cblr-3007	630	54	,	,	PUNCT
cblr-3007	630	55	for	for	SCONJ
cblr-3007	630	56	it	it	PRON
cblr-3007	630	57	is	be	AUX
cblr-3007	630	58	not	not	PART
cblr-3007	630	59	easy	easy	ADJ
cblr-3007	630	60	to	to	PART
cblr-3007	630	61	trade	trade	VERB
cblr-3007	630	62	off	off	ADP
cblr-3007	630	63	the	the	DET
cblr-3007	630	64	deadweight	deadweight	NOUN
cblr-3007	630	65	losses	loss	NOUN
cblr-3007	630	66	that	that	PRON
cblr-3007	630	67	result	result	VERB
cblr-3007	630	68	from	from	ADP
cblr-3007	630	69	the	the	DET
cblr-3007	630	70	extension	extension	NOUN
cblr-3007	630	71	of	of	ADP
cblr-3007	630	72	monopoly	monopoly	NOUN
cblr-3007	630	73	power	power	NOUN
cblr-3007	630	74	(	(	PUNCT
cblr-3007	630	75	if	if	SCONJ
cblr-3007	630	76	any	any	PRON
cblr-3007	630	77	)	)	PUNCT
cblr-3007	630	78	against	against	ADP
cblr-3007	630	79	the	the	DET
cblr-3007	630	80	efficiency	efficiency	NOUN
cblr-3007	630	81	gains	gain	NOUN
cblr-3007	630	82	that	that	PRON
cblr-3007	630	83	result	result	VERB
cblr-3007	630	84	from	from	ADP
cblr-3007	630	85	the	the	DET
cblr-3007	630	86	change	change	NOUN
cblr-3007	630	87	in	in	ADP
cblr-3007	630	88	operations	operation	NOUN
cblr-3007	630	89	.	.	PUNCT
cblr-3007	631	1	once	once	ADV
cblr-3007	631	2	one	one	NUM
cblr-3007	631	3	moves	move	NOUN
cblr-3007	631	4	beyond	beyond	ADP
cblr-3007	631	5	these	these	DET
cblr-3007	631	6	cases	case	NOUN
cblr-3007	631	7	,	,	PUNCT
cblr-3007	631	8	the	the	DET
cblr-3007	631	9	efficiency	efficiency	NOUN
cblr-3007	631	10	/	/	SYM
cblr-3007	631	11	restraint	restraint	NOUN
cblr-3007	631	12	tradeoffs	tradeoff	NOUN
cblr-3007	631	13	are	be	AUX
cblr-3007	631	14	as	as	ADV
cblr-3007	631	15	hard	hard	ADJ
cblr-3007	631	16	,	,	PUNCT
cblr-3007	631	17	if	if	SCONJ
cblr-3007	631	18	not	not	PART
cblr-3007	631	19	harder	hard	ADJ
cblr-3007	631	20	,	,	PUNCT
cblr-3007	631	21	to	to	PART
cblr-3007	631	22	measure	measure	VERB
cblr-3007	631	23	in	in	ADP
cblr-3007	631	24	the	the	DET
cblr-3007	631	25	judicial	judicial	ADJ
cblr-3007	631	26	setting	setting	NOUN
cblr-3007	631	27	as	as	SCONJ
cblr-3007	631	28	they	they	PRON
cblr-3007	631	29	are	be	AUX
cblr-3007	631	30	in	in	ADP
cblr-3007	631	31	the	the	DET
cblr-3007	631	32	administrative	administrative	ADJ
cblr-3007	631	33	one	one	NOUN
cblr-3007	631	34	.	.	PUNCT
cblr-3007	632	1	in	in	ADP
cblr-3007	632	2	dealing	deal	VERB
cblr-3007	632	3	with	with	ADP
cblr-3007	632	4	interchange	interchange	NOUN
cblr-3007	632	5	fees	fee	NOUN
cblr-3007	632	6	,	,	PUNCT
cblr-3007	632	7	the	the	DET
cblr-3007	632	8	administrative	administrative	ADJ
cblr-3007	632	9	law	law	NOUN
cblr-3007	632	10	approach	approach	NOUN
cblr-3007	632	11	has	have	VERB
cblr-3007	632	12	major	major	ADJ
cblr-3007	632	13	advantages	advantage	NOUN
cblr-3007	632	14	.	.	PUNCT
cblr-3007	633	1	at	at	ADP
cblr-3007	633	2	the	the	DET
cblr-3007	633	3	outset	outset	NOUN
cblr-3007	633	4	,	,	PUNCT
cblr-3007	633	5	combining	combine	VERB
cblr-3007	633	6	efforts	effort	NOUN
cblr-3007	633	7	of	of	ADP
cblr-3007	633	8	the	the	DET
cblr-3007	633	9	various	various	ADJ
cblr-3007	633	10	banks	bank	NOUN
cblr-3007	633	11	to	to	PART
cblr-3007	633	12	work	work	VERB
cblr-3007	633	13	out	out	ADP
cblr-3007	633	14	one	one	NUM
cblr-3007	633	15	unified	unified	ADJ
cblr-3007	633	16	payment	payment	NOUN
cblr-3007	633	17	system	system	NOUN
cblr-3007	633	18	has	have	VERB
cblr-3007	633	19	huge	huge	ADJ
cblr-3007	633	20	social	social	ADJ
cblr-3007	633	21	advantages	advantage	NOUN
cblr-3007	633	22	that	that	PRON
cblr-3007	633	23	could	could	AUX
cblr-3007	633	24	not	not	PART
cblr-3007	633	25	be	be	AUX
cblr-3007	633	26	achieved	achieve	VERB
cblr-3007	633	27	by	by	ADP
cblr-3007	633	28	requiring	require	VERB
cblr-3007	633	29	each	each	DET
cblr-3007	633	30	separate	separate	ADJ
cblr-3007	633	31	bank	bank	NOUN
cblr-3007	633	32	to	to	PART
cblr-3007	633	33	set	set	VERB
cblr-3007	633	34	up	up	ADP
cblr-3007	633	35	a	a	DET
cblr-3007	633	36	standalone	standalone	ADJ
cblr-3007	633	37	credit	credit	NOUN
cblr-3007	633	38	card	card	NOUN
cblr-3007	633	39	system	system	NOUN
cblr-3007	633	40	for	for	ADP
cblr-3007	633	41	its	its	PRON
cblr-3007	633	42	own	own	ADJ
cblr-3007	633	43	customers	customer	NOUN
cblr-3007	633	44	,	,	PUNCT
cblr-3007	633	45	like	like	ADP
cblr-3007	633	46	the	the	DET
cblr-3007	633	47	one	one	NUM
cblr-3007	633	48	bank	bank	NOUN
cblr-3007	633	49	of	of	ADP
cblr-3007	633	50	america	america	PROPN
cblr-3007	633	51	(	(	PUNCT
cblr-3007	633	52	"	"	PUNCT
cblr-3007	633	53	boa	boa	NOUN
cblr-3007	633	54	"	"	PUNCT
cblr-3007	633	55	)	)	PUNCT
cblr-3007	633	56	originally	originally	ADV
cblr-3007	633	57	tried.46	tried.46	PROPN
cblr-3007	633	58	boa	boa	PROPN
cblr-3007	633	59	quickly	quickly	ADV
cblr-3007	633	60	refocused	refocus	VERB
cblr-3007	633	61	its	its	PRON
cblr-3007	633	62	effort	effort	NOUN
cblr-3007	633	63	when	when	SCONJ
cblr-3007	633	64	it	it	PRON
cblr-3007	633	65	realized	realize	VERB
cblr-3007	633	66	that	that	SCONJ
cblr-3007	633	67	some	some	DET
cblr-3007	633	68	collaborative	collaborative	ADJ
cblr-3007	633	69	effort	effort	NOUN
cblr-3007	633	70	was	be	AUX
cblr-3007	633	71	necessary	necessary	ADJ
cblr-3007	633	72	.	.	PUNCT
cblr-3007	634	1	moreover	moreover	ADV
cblr-3007	634	2	,	,	PUNCT
cblr-3007	634	3	imposing	impose	VERB
cblr-3007	634	4	remedies	remedy	NOUN
cblr-3007	634	5	through	through	ADP
cblr-3007	634	6	professional	professional	ADJ
cblr-3007	634	7	bodies	body	NOUN
cblr-3007	634	8	improves	improve	VERB
cblr-3007	634	9	the	the	DET
cblr-3007	634	10	chances	chance	NOUN
cblr-3007	634	11	of	of	ADP
cblr-3007	634	12	finding	find	VERB
cblr-3007	634	13	a	a	DET
cblr-3007	634	14	decisionmaker	decisionmaker	NOUN
cblr-3007	634	15	who	who	PRON
cblr-3007	634	16	is	be	AUX
cblr-3007	634	17	cognizant	cognizant	ADJ
cblr-3007	634	18	of	of	ADP
cblr-3007	634	19	the	the	DET
cblr-3007	634	20	costs	cost	NOUN
cblr-3007	634	21	and	and	CCONJ
cblr-3007	634	22	benefits	benefit	NOUN
cblr-3007	634	23	of	of	ADP
cblr-3007	634	24	alternative	alternative	ADJ
cblr-3007	634	25	institutional	institutional	ADJ
cblr-3007	634	26	arrangements	arrangement	NOUN
cblr-3007	634	27	.	.	PUNCT
cblr-3007	635	1	most	most	ADV
cblr-3007	635	2	critically	critically	ADV
cblr-3007	635	3	,	,	PUNCT
cblr-3007	635	4	an	an	DET
cblr-3007	635	5	administrative	administrative	ADJ
cblr-3007	635	6	body	body	NOUN
cblr-3007	635	7	is	be	AUX
cblr-3007	635	8	less	less	ADV
cblr-3007	635	9	likely	likely	ADJ
cblr-3007	635	10	to	to	PART
cblr-3007	635	11	adopt	adopt	VERB
cblr-3007	635	12	an	an	DET
cblr-3007	635	13	extreme	extreme	ADJ
cblr-3007	635	14	position	position	NOUN
cblr-3007	635	15	than	than	ADP
cblr-3007	635	16	a	a	DET
cblr-3007	635	17	runaway	runaway	ADJ
cblr-3007	635	18	jury	jury	NOUN
cblr-3007	635	19	that	that	PRON
cblr-3007	635	20	operates	operate	VERB
cblr-3007	635	21	free	free	ADJ
cblr-3007	635	22	of	of	ADP
cblr-3007	635	23	all	all	DET
cblr-3007	635	24	longterm	longterm	ADJ
cblr-3007	635	25	institutional	institutional	ADJ
cblr-3007	635	26	restraints	restraint	NOUN
cblr-3007	635	27	.	.	PUNCT
cblr-3007	636	1	clayton	clayton	PROPN
cblr-3007	636	2	act	act	PROPN
cblr-3007	636	3	§	§	PROPN
cblr-3007	636	4	4	4	NUM
cblr-3007	636	5	,	,	PUNCT
cblr-3007	636	6	15	15	NUM
cblr-3007	636	7	u.s.c	u.s.c	ADJ
cblr-3007	636	8	.	.	PUNCT
cblr-3007	637	1	§	§	PROPN
cblr-3007	637	2	15	15	NUM
cblr-3007	637	3	(	(	PUNCT
cblr-3007	637	4	1992	1992	NUM
cblr-3007	637	5	)	)	PUNCT
cblr-3007	637	6	(	(	PUNCT
cblr-3007	637	7	"	"	PUNCT
cblr-3007	637	8	any	any	DET
cblr-3007	637	9	person	person	NOUN
cblr-3007	637	10	who	who	PRON
cblr-3007	637	11	shall	shall	AUX
cblr-3007	637	12	be	be	AUX
cblr-3007	637	13	injured	injure	VERB
cblr-3007	637	14	in	in	ADP
cblr-3007	637	15	his	his	PRON
cblr-3007	637	16	business	business	NOUN
cblr-3007	637	17	or	or	CCONJ
cblr-3007	637	18	property	property	NOUN
cblr-3007	637	19	by	by	ADP
cblr-3007	637	20	reason	reason	NOUN
cblr-3007	637	21	of	of	ADP
cblr-3007	637	22	anything	anything	PRON
cblr-3007	637	23	forbidden	forbid	VERB
cblr-3007	637	24	in	in	ADP
cblr-3007	637	25	the	the	DET
cblr-3007	637	26	antitrust	antitrust	ADJ
cblr-3007	637	27	laws	law	NOUN
cblr-3007	637	28	may	may	AUX
cblr-3007	637	29	sue	sue	VERB
cblr-3007	637	30	therefore	therefore	ADV
cblr-3007	637	31	in	in	ADP
cblr-3007	637	32	any	any	DET
cblr-3007	637	33	district	district	NOUN
cblr-3007	637	34	court	court	NOUN
cblr-3007	637	35	of	of	ADP
cblr-3007	637	36	the	the	DET
cblr-3007	637	37	united	united	PROPN
cblr-3007	637	38	states	states	PROPN
cblr-3007	637	39	"	"	PUNCT
cblr-3007	637	40	)	)	PUNCT
cblr-3007	637	41	.	.	PUNCT
cblr-3007	637	42	"	"	PUNCT
cblr-3007	638	1	for	for	ADP
cblr-3007	638	2	a	a	DET
cblr-3007	638	3	recent	recent	ADJ
cblr-3007	638	4	discussion	discussion	NOUN
cblr-3007	638	5	,	,	PUNCT
cblr-3007	638	6	see	see	VERB
cblr-3007	638	7	herbert	herbert	PROPN
cblr-3007	638	8	hovenkamp	hovenkamp	PROPN
cblr-3007	638	9	,	,	PUNCT
cblr-3007	638	10	the	the	DET
cblr-3007	638	11	antitrust	antitrust	ADJ
cblr-3007	638	12	enterprise	enterprise	NOUN
cblr-3007	638	13	:	:	PUNCT
cblr-3007	638	14	principle	principle	NOUN
cblr-3007	638	15	and	and	CCONJ
cblr-3007	638	16	execution	execution	NOUN
cblr-3007	638	17	26	26	NUM
cblr-3007	638	18	-	-	SYM
cblr-3007	638	19	28	28	NUM
cblr-3007	638	20	(	(	PUNCT
cblr-3007	638	21	harvard	harvard	PROPN
cblr-3007	638	22	univ	univ	PROPN
cblr-3007	638	23	.	.	PUNCT
cblr-3007	639	1	press	press	PROPN
cblr-3007	639	2	2005	2005	NUM
cblr-3007	639	3	)	)	PUNCT
cblr-3007	639	4	.	.	PUNCT
cblr-3007	640	1	46	46	NUM
cblr-3007	640	2	evans	evans	PROPN
cblr-3007	640	3	&	&	CCONJ
cblr-3007	640	4	schmalensee	schmalensee	PROPN
cblr-3007	640	5	,	,	PUNCT
cblr-3007	640	6	supra	supra	PROPN
cblr-3007	640	7	note	note	PROPN
cblr-3007	640	8	4	4	NUM
cblr-3007	640	9	,	,	PUNCT
cblr-3007	640	10	at	at	ADP
cblr-3007	640	11	61	61	NUM
cblr-3007	640	12	-	-	SYM
cblr-3007	640	13	67	67	NUM
cblr-3007	640	14	.	.	PUNCT
cblr-3007	641	1	[	[	X
cblr-3007	641	2	vol	vol	NOUN
cblr-3007	641	3	.	.	PUNCT
cblr-3007	641	4	2005_col	2005_col	NUM
cblr-3007	641	5	umbia	umbia	PROPN
cblr-3007	641	6	b	b	PROPN
cblr-3007	641	7	usiness	usiness	PROPN
cblr-3007	641	8	la	la	PROPN
cblr-3007	641	9	w	w	PROPN
cblr-3007	641	10	re	re	PROPN
cblr-3007	641	11	vie	vie	PROPN
cblr-3007	641	12	w	w	PROPN
cblr-3007	641	13	the	the	DET
cblr-3007	641	14	regulation	regulation	NOUN
cblr-3007	641	15	of	of	ADP
cblr-3007	641	16	interchange	interchange	NOUN
cblr-3007	641	17	fees	fee	NOUN
cblr-3007	641	18	this	this	DET
cblr-3007	641	19	last	last	ADJ
cblr-3007	641	20	point	point	NOUN
cblr-3007	641	21	is	be	AUX
cblr-3007	641	22	of	of	ADP
cblr-3007	641	23	exceptional	exceptional	ADJ
cblr-3007	641	24	importance	importance	NOUN
cblr-3007	641	25	because	because	SCONJ
cblr-3007	641	26	the	the	DET
cblr-3007	641	27	entire	entire	ADJ
cblr-3007	641	28	edifice	edifice	NOUN
cblr-3007	641	29	of	of	ADP
cblr-3007	641	30	antitrust	antitrust	ADJ
cblr-3007	641	31	law	law	NOUN
cblr-3007	641	32	works	work	VERB
cblr-3007	641	33	best	well	ADV
cblr-3007	641	34	when	when	SCONJ
cblr-3007	641	35	independent	independent	ADJ
cblr-3007	641	36	firms	firm	NOUN
cblr-3007	641	37	,	,	PUNCT
cblr-3007	641	38	facing	face	VERB
cblr-3007	641	39	constant	constant	ADJ
cblr-3007	641	40	marginal	marginal	ADJ
cblr-3007	641	41	costs	cost	NOUN
cblr-3007	641	42	,	,	PUNCT
cblr-3007	641	43	conspire	conspire	VERB
cblr-3007	641	44	together	together	ADV
cblr-3007	641	45	to	to	PART
cblr-3007	641	46	raise	raise	VERB
cblr-3007	641	47	prices	price	NOUN
cblr-3007	641	48	above	above	ADP
cblr-3007	641	49	the	the	DET
cblr-3007	641	50	competitive	competitive	ADJ
cblr-3007	641	51	level	level	NOUN
cblr-3007	641	52	,	,	PUNCT
cblr-3007	641	53	often	often	ADV
cblr-3007	641	54	by	by	ADP
cblr-3007	641	55	secret	secret	ADJ
cblr-3007	641	56	agreements	agreement	NOUN
cblr-3007	641	57	.	.	PUNCT
cblr-3007	642	1	in	in	ADP
cblr-3007	642	2	those	those	DET
cblr-3007	642	3	cases	case	NOUN
cblr-3007	642	4	,	,	PUNCT
cblr-3007	642	5	the	the	DET
cblr-3007	642	6	harsh	harsh	ADJ
cblr-3007	642	7	penalties	penalty	NOUN
cblr-3007	642	8	offset	offset	VERB
cblr-3007	642	9	the	the	DET
cblr-3007	642	10	risk	risk	NOUN
cblr-3007	642	11	of	of	ADP
cblr-3007	642	12	nondetection	nondetection	NOUN
cblr-3007	642	13	and	and	CCONJ
cblr-3007	642	14	respond	respond	VERB
cblr-3007	642	15	to	to	ADP
cblr-3007	642	16	the	the	DET
cblr-3007	642	17	imposition	imposition	NOUN
cblr-3007	642	18	of	of	ADP
cblr-3007	642	19	a	a	DET
cblr-3007	642	20	clear	clear	ADJ
cblr-3007	642	21	social	social	ADJ
cblr-3007	642	22	loss	loss	NOUN
cblr-3007	642	23	.	.	PUNCT
cblr-3007	643	1	but	but	CCONJ
cblr-3007	643	2	why	why	SCONJ
cblr-3007	643	3	bring	bring	VERB
cblr-3007	643	4	the	the	DET
cblr-3007	643	5	antitrust	antitrust	ADJ
cblr-3007	643	6	laws	law	NOUN
cblr-3007	643	7	to	to	PART
cblr-3007	643	8	bear	bear	VERB
cblr-3007	643	9	against	against	ADP
cblr-3007	643	10	any	any	DET
cblr-3007	643	11	network	network	NOUN
cblr-3007	643	12	industry	industry	NOUN
cblr-3007	643	13	whose	whose	DET
cblr-3007	643	14	internal	internal	ADJ
cblr-3007	643	15	structure	structure	NOUN
cblr-3007	643	16	is	be	AUX
cblr-3007	643	17	transparent	transparent	ADJ
cblr-3007	643	18	to	to	ADP
cblr-3007	643	19	all	all	PRON
cblr-3007	643	20	and	and	CCONJ
cblr-3007	643	21	whose	whose	DET
cblr-3007	643	22	configuration	configuration	NOUN
cblr-3007	643	23	is	be	AUX
cblr-3007	643	24	driven	drive	VERB
cblr-3007	643	25	heavily	heavily	ADV
cblr-3007	643	26	by	by	ADP
cblr-3007	643	27	efficiency	efficiency	NOUN
cblr-3007	643	28	considerations	consideration	NOUN
cblr-3007	643	29	?	?	PUNCT
cblr-3007	644	1	it	it	PRON
cblr-3007	644	2	is	be	AUX
cblr-3007	644	3	well	well	ADV
cblr-3007	644	4	understood	understand	VERB
cblr-3007	644	5	that	that	SCONJ
cblr-3007	644	6	the	the	DET
cblr-3007	644	7	member	member	NOUN
cblr-3007	644	8	banks	bank	NOUN
cblr-3007	644	9	in	in	ADP
cblr-3007	644	10	any	any	DET
cblr-3007	644	11	credit	credit	NOUN
cblr-3007	644	12	card	card	NOUN
cblr-3007	644	13	network	network	NOUN
cblr-3007	644	14	compete	compete	VERB
cblr-3007	644	15	vigorously	vigorously	ADV
cblr-3007	644	16	to	to	PART
cblr-3007	644	17	sign	sign	VERB
cblr-3007	644	18	up	up	ADP
cblr-3007	644	19	cardholders	cardholder	NOUN
cblr-3007	644	20	or	or	CCONJ
cblr-3007	644	21	merchants	merchant	NOUN
cblr-3007	644	22	.	.	PUNCT
cblr-3007	645	1	must	must	AUX
cblr-3007	645	2	they	they	PRON
cblr-3007	645	3	also	also	ADV
cblr-3007	645	4	compete	compete	VERB
cblr-3007	645	5	over	over	ADP
cblr-3007	645	6	the	the	DET
cblr-3007	645	7	interchange	interchange	NOUN
cblr-3007	645	8	fees	fee	NOUN
cblr-3007	645	9	that	that	PRON
cblr-3007	645	10	are	be	AUX
cblr-3007	645	11	passed	pass	VERB
cblr-3007	645	12	through	through	ADP
cblr-3007	645	13	to	to	ADP
cblr-3007	645	14	merchants	merchant	NOUN
cblr-3007	645	15	?	?	PUNCT
cblr-3007	646	1	the	the	DET
cblr-3007	646	2	basic	basic	ADJ
cblr-3007	646	3	premise	premise	NOUN
cblr-3007	646	4	of	of	ADP
cblr-3007	646	5	the	the	DET
cblr-3007	646	6	four	four	NUM
cblr-3007	646	7	-	-	PUNCT
cblr-3007	646	8	party	party	NOUN
cblr-3007	646	9	,	,	PUNCT
cblr-3007	646	10	open	open	ADJ
cblr-3007	646	11	-	-	PUNCT
cblr-3007	646	12	system	system	NOUN
cblr-3007	646	13	arrangement	arrangement	NOUN
cblr-3007	646	14	is	be	AUX
cblr-3007	646	15	that	that	SCONJ
cblr-3007	646	16	any	any	DET
cblr-3007	646	17	merchant	merchant	NOUN
cblr-3007	646	18	can	can	AUX
cblr-3007	646	19	take	take	VERB
cblr-3007	646	20	a	a	DET
cblr-3007	646	21	branded	brand	VERB
cblr-3007	646	22	card	card	NOUN
cblr-3007	646	23	with	with	ADP
cblr-3007	646	24	comfort	comfort	NOUN
cblr-3007	646	25	,	,	PUNCT
cblr-3007	646	26	even	even	ADV
cblr-3007	646	27	without	without	ADP
cblr-3007	646	28	knowledge	knowledge	NOUN
cblr-3007	646	29	of	of	ADP
cblr-3007	646	30	which	which	PRON
cblr-3007	646	31	bank	bank	NOUN
cblr-3007	646	32	has	have	AUX
cblr-3007	646	33	issued	issue	VERB
cblr-3007	646	34	it	it	PRON
cblr-3007	646	35	.	.	PUNCT
cblr-3007	647	1	the	the	DET
cblr-3007	647	2	uniform	uniform	PROPN
cblr-3007	647	3	fee	fee	NOUN
cblr-3007	647	4	means	mean	VERB
cblr-3007	647	5	that	that	SCONJ
cblr-3007	647	6	the	the	DET
cblr-3007	647	7	merchant	merchant	NOUN
cblr-3007	647	8	knows	know	VERB
cblr-3007	647	9	its	its	PRON
cblr-3007	647	10	costs	cost	NOUN
cblr-3007	647	11	,	,	PUNCT
cblr-3007	647	12	without	without	ADP
cblr-3007	647	13	having	have	VERB
cblr-3007	647	14	to	to	PART
cblr-3007	647	15	learn	learn	VERB
cblr-3007	647	16	which	which	PRON
cblr-3007	647	17	of	of	ADP
cblr-3007	647	18	hundreds	hundred	NOUN
cblr-3007	647	19	of	of	ADP
cblr-3007	647	20	possible	possible	ADJ
cblr-3007	647	21	banks	bank	NOUN
cblr-3007	647	22	issued	issue	VERB
cblr-3007	647	23	the	the	DET
cblr-3007	647	24	card	card	NOUN
cblr-3007	647	25	in	in	ADP
cblr-3007	647	26	question	question	NOUN
cblr-3007	647	27	.	.	PUNCT
cblr-3007	648	1	the	the	DET
cblr-3007	648	2	standard	standard	ADJ
cblr-3007	648	3	fee	fee	NOUN
cblr-3007	648	4	thus	thus	ADV
cblr-3007	648	5	allows	allow	VERB
cblr-3007	648	6	for	for	ADP
cblr-3007	648	7	seamless	seamless	ADJ
cblr-3007	648	8	completion	completion	NOUN
cblr-3007	648	9	of	of	ADP
cblr-3007	648	10	highvolume	highvolume	NOUN
cblr-3007	648	11	,	,	PUNCT
cblr-3007	648	12	low	low	ADJ
cblr-3007	648	13	-	-	PUNCT
cblr-3007	648	14	margin	margin	NOUN
cblr-3007	648	15	transactions	transaction	NOUN
cblr-3007	648	16	,	,	PUNCT
cblr-3007	648	17	which	which	PRON
cblr-3007	648	18	would	would	AUX
cblr-3007	648	19	stop	stop	VERB
cblr-3007	648	20	dead	dead	ADJ
cblr-3007	648	21	in	in	ADP
cblr-3007	648	22	their	their	PRON
cblr-3007	648	23	tracks	track	NOUN
cblr-3007	648	24	if	if	SCONJ
cblr-3007	648	25	subjected	subject	VERB
cblr-3007	648	26	to	to	ADP
cblr-3007	648	27	any	any	DET
cblr-3007	648	28	requirement	requirement	NOUN
cblr-3007	648	29	of	of	ADP
cblr-3007	648	30	individuated	individuated	ADJ
cblr-3007	648	31	negotiation	negotiation	NOUN
cblr-3007	648	32	.	.	PUNCT
cblr-3007	649	1	the	the	DET
cblr-3007	649	2	competition	competition	NOUN
cblr-3007	649	3	comes	come	VERB
cblr-3007	649	4	as	as	SCONJ
cblr-3007	649	5	the	the	DET
cblr-3007	649	6	issuing	issue	VERB
cblr-3007	649	7	banks	bank	NOUN
cblr-3007	649	8	seek	seek	VERB
cblr-3007	649	9	to	to	PART
cblr-3007	649	10	sign	sign	VERB
cblr-3007	649	11	up	up	ADP
cblr-3007	649	12	customers	customer	NOUN
cblr-3007	649	13	,	,	PUNCT
cblr-3007	649	14	and	and	CCONJ
cblr-3007	649	15	as	as	SCONJ
cblr-3007	649	16	the	the	DET
cblr-3007	649	17	credit	credit	NOUN
cblr-3007	649	18	card	card	NOUN
cblr-3007	649	19	intermediates	intermediate	VERB
cblr-3007	649	20	attempt	attempt	VERB
cblr-3007	649	21	to	to	PART
cblr-3007	649	22	adjust	adjust	VERB
cblr-3007	649	23	their	their	PRON
cblr-3007	649	24	interchange	interchange	NOUN
cblr-3007	649	25	fees	fee	NOUN
cblr-3007	649	26	to	to	PART
cblr-3007	649	27	cover	cover	VERB
cblr-3007	649	28	costs	cost	NOUN
cblr-3007	649	29	and	and	CCONJ
cblr-3007	649	30	provide	provide	VERB
cblr-3007	649	31	the	the	DET
cblr-3007	649	32	ideal	ideal	ADJ
cblr-3007	649	33	balance	balance	NOUN
cblr-3007	649	34	between	between	ADP
cblr-3007	649	35	merchant	merchant	NOUN
cblr-3007	649	36	and	and	CCONJ
cblr-3007	649	37	user	user	NOUN
cblr-3007	649	38	fees	fee	NOUN
cblr-3007	649	39	.	.	PUNCT
cblr-3007	650	1	in	in	ADP
cblr-3007	650	2	this	this	DET
cblr-3007	650	3	institutional	institutional	ADJ
cblr-3007	650	4	setting	setting	NOUN
cblr-3007	650	5	,	,	PUNCT
cblr-3007	650	6	antitrust	antitrust	ADJ
cblr-3007	650	7	law	law	NOUN
cblr-3007	650	8	is	be	AUX
cblr-3007	650	9	of	of	ADP
cblr-3007	650	10	little	little	ADJ
cblr-3007	650	11	or	or	CCONJ
cblr-3007	650	12	no	no	PRON
cblr-3007	650	13	use	use	NOUN
cblr-3007	650	14	.	.	PUNCT
cblr-3007	651	1	in	in	ADP
cblr-3007	651	2	and	and	CCONJ
cblr-3007	651	3	of	of	ADP
cblr-3007	651	4	itself	itself	PRON
cblr-3007	651	5	,	,	PUNCT
cblr-3007	651	6	it	it	PRON
cblr-3007	651	7	can	can	AUX
cblr-3007	651	8	not	not	PART
cblr-3007	651	9	be	be	AUX
cblr-3007	651	10	used	use	VERB
cblr-3007	651	11	to	to	PART
cblr-3007	651	12	set	set	VERB
cblr-3007	651	13	rates	rate	NOUN
cblr-3007	651	14	,	,	PUNCT
cblr-3007	651	15	especially	especially	ADV
cblr-3007	651	16	those	those	PRON
cblr-3007	651	17	that	that	PRON
cblr-3007	651	18	are	be	AUX
cblr-3007	651	19	subject	subject	ADJ
cblr-3007	651	20	to	to	ADP
cblr-3007	651	21	variation	variation	NOUN
cblr-3007	651	22	over	over	ADP
cblr-3007	651	23	time	time	NOUN
cblr-3007	651	24	,	,	PUNCT
cblr-3007	651	25	like	like	ADP
cblr-3007	651	26	interchange	interchange	NOUN
cblr-3007	651	27	fees	fee	NOUN
cblr-3007	651	28	.	.	PUNCT
cblr-3007	652	1	its	its	PRON
cblr-3007	652	2	role	role	NOUN
cblr-3007	652	3	,	,	PUNCT
cblr-3007	652	4	therefore	therefore	ADV
cblr-3007	652	5	,	,	PUNCT
cblr-3007	652	6	is	be	AUX
cblr-3007	652	7	much	much	ADV
cblr-3007	652	8	the	the	DET
cblr-3007	652	9	same	same	ADJ
cblr-3007	652	10	as	as	ADP
cblr-3007	652	11	in	in	ADP
cblr-3007	652	12	all	all	DET
cblr-3007	652	13	industries	industry	NOUN
cblr-3007	652	14	that	that	PRON
cblr-3007	652	15	have	have	VERB
cblr-3007	652	16	some	some	DET
cblr-3007	652	17	rate	rate	NOUN
cblr-3007	652	18	regulation	regulation	NOUN
cblr-3007	652	19	component	component	NOUN
cblr-3007	652	20	.	.	PUNCT
cblr-3007	653	1	it	it	PRON
cblr-3007	653	2	serves	serve	VERB
cblr-3007	653	3	as	as	ADP
cblr-3007	653	4	a	a	DET
cblr-3007	653	5	backstop	backstop	NOUN
cblr-3007	653	6	to	to	PART
cblr-3007	653	7	prevent	prevent	VERB
cblr-3007	653	8	illicit	illicit	ADJ
cblr-3007	653	9	collusion	collusion	NOUN
cblr-3007	653	10	above	above	ADP
cblr-3007	653	11	and	and	CCONJ
cblr-3007	653	12	beyond	beyond	ADP
cblr-3007	653	13	that	that	PRON
cblr-3007	653	14	needed	need	VERB
cblr-3007	653	15	to	to	PART
cblr-3007	653	16	keep	keep	VERB
cblr-3007	653	17	any	any	DET
cblr-3007	653	18	network	network	NOUN
cblr-3007	653	19	intact	intact	ADJ
cblr-3007	653	20	.	.	PUNCT
cblr-3007	654	1	to	to	PART
cblr-3007	654	2	use	use	VERB
cblr-3007	654	3	a	a	DET
cblr-3007	654	4	familiar	familiar	ADJ
cblr-3007	654	5	example	example	NOUN
cblr-3007	654	6	,	,	PUNCT
cblr-3007	654	7	the	the	DET
cblr-3007	654	8	1996	1996	NUM
cblr-3007	654	9	telecommunications	telecommunication	NOUN
cblr-3007	654	10	act	act	NOUN
cblr-3007	654	11	imposes	impose	VERB
cblr-3007	654	12	extensive	extensive	ADJ
cblr-3007	654	13	regulations	regulation	NOUN
cblr-3007	654	14	on	on	ADP
cblr-3007	654	15	the	the	DET
cblr-3007	654	16	setting	setting	NOUN
cblr-3007	654	17	of	of	ADP
cblr-3007	654	18	interconnection	interconnection	NOUN
cblr-3007	654	19	fees	fee	NOUN
cblr-3007	654	20	no	no	INTJ
cblr-3007	654	21	.	.	PUNCT
cblr-3007	655	1	3:551	3:551	NUM
cblr-3007	655	2	]	]	X
cblr-3007	655	3	throughout	throughout	ADP
cblr-3007	655	4	the	the	DET
cblr-3007	655	5	entire	entire	ADJ
cblr-3007	655	6	telecommunications	telecommunication	NOUN
cblr-3007	655	7	network.47	network.47	NOUN
cblr-3007	655	8	the	the	DET
cblr-3007	655	9	1996	1996	NUM
cblr-3007	655	10	act	act	NOUN
cblr-3007	655	11	also	also	ADV
cblr-3007	655	12	contains	contain	VERB
cblr-3007	655	13	an	an	DET
cblr-3007	655	14	explicit	explicit	ADJ
cblr-3007	655	15	provision	provision	NOUN
cblr-3007	655	16	preserving	preserve	VERB
cblr-3007	655	17	the	the	DET
cblr-3007	655	18	applicability	applicability	NOUN
cblr-3007	655	19	of	of	ADP
cblr-3007	655	20	antitrust	antitrust	ADJ
cblr-3007	655	21	laws	law	NOUN
cblr-3007	655	22	.	.	PUNCT
cblr-3007	656	1	recently	recently	ADV
cblr-3007	656	2	,	,	PUNCT
cblr-3007	656	3	however	however	ADV
cblr-3007	656	4	,	,	PUNCT
cblr-3007	656	5	the	the	DET
cblr-3007	656	6	supreme	supreme	PROPN
cblr-3007	656	7	court	court	PROPN
cblr-3007	656	8	in	in	ADP
cblr-3007	656	9	verizon	verizon	PROPN
cblr-3007	656	10	v.	v.	ADP
cblr-3007	656	11	trinko	trinko	PROPN
cblr-3007	656	12	"	"	PUNCT
cblr-3007	656	13	took	take	VERB
cblr-3007	656	14	the	the	DET
cblr-3007	656	15	correct	correct	ADJ
cblr-3007	656	16	position	position	NOUN
cblr-3007	656	17	that	that	SCONJ
cblr-3007	656	18	the	the	DET
cblr-3007	656	19	extensive	extensive	ADJ
cblr-3007	656	20	fcc	fcc	PROPN
cblr-3007	656	21	regulation	regulation	NOUN
cblr-3007	656	22	of	of	ADP
cblr-3007	656	23	the	the	DET
cblr-3007	656	24	telecommunications	telecommunication	NOUN
cblr-3007	656	25	industry	industry	NOUN
cblr-3007	656	26	precluded	preclude	VERB
cblr-3007	656	27	the	the	DET
cblr-3007	656	28	use	use	NOUN
cblr-3007	656	29	of	of	ADP
cblr-3007	656	30	antitrust	antitrust	ADJ
cblr-3007	656	31	laws	law	NOUN
cblr-3007	656	32	to	to	PART
cblr-3007	656	33	second	second	ADJ
cblr-3007	656	34	guess	guess	NOUN
cblr-3007	656	35	decisions	decision	NOUN
cblr-3007	656	36	made	make	VERB
cblr-3007	656	37	in	in	ADP
cblr-3007	656	38	the	the	DET
cblr-3007	656	39	regulatory	regulatory	ADJ
cblr-3007	656	40	arena	arena	NOUN
cblr-3007	656	41	,	,	PUNCT
cblr-3007	656	42	especially	especially	ADV
cblr-3007	656	43	at	at	ADP
cblr-3007	656	44	the	the	DET
cblr-3007	656	45	instance	instance	NOUN
cblr-3007	656	46	of	of	ADP
cblr-3007	656	47	a	a	DET
cblr-3007	656	48	plaintiff	plaintiff	NOUN
cblr-3007	656	49	(	(	PUNCT
cblr-3007	656	50	trinko	trinko	PROPN
cblr-3007	656	51	)	)	PUNCT
cblr-3007	656	52	who	who	PRON
cblr-3007	656	53	did	do	AUX
cblr-3007	656	54	not	not	PART
cblr-3007	656	55	purchase	purchase	VERB
cblr-3007	656	56	its	its	PRON
cblr-3007	656	57	services	service	NOUN
cblr-3007	656	58	directly	directly	ADV
cblr-3007	656	59	from	from	ADP
cblr-3007	656	60	the	the	DET
cblr-3007	656	61	regulated	regulated	ADJ
cblr-3007	656	62	party	party	NOUN
cblr-3007	656	63	(	(	PUNCT
cblr-3007	656	64	verizon	verizon	PROPN
cblr-3007	656	65	)	)	PUNCT
cblr-3007	656	66	.	.	PUNCT
cblr-3007	657	1	the	the	DET
cblr-3007	657	2	interchange	interchange	NOUN
cblr-3007	657	3	fee	fee	NOUN
cblr-3007	657	4	regulation	regulation	NOUN
cblr-3007	657	5	differs	differ	VERB
cblr-3007	657	6	from	from	ADP
cblr-3007	657	7	the	the	DET
cblr-3007	657	8	telecommunications	telecommunication	NOUN
cblr-3007	657	9	cases	case	NOUN
cblr-3007	657	10	,	,	PUNCT
cblr-3007	657	11	at	at	ADP
cblr-3007	657	12	least	least	ADJ
cblr-3007	657	13	in	in	ADP
cblr-3007	657	14	the	the	DET
cblr-3007	657	15	united	united	PROPN
cblr-3007	657	16	states	states	PROPN
cblr-3007	657	17	,	,	PUNCT
cblr-3007	657	18	insofar	insofar	ADV
cblr-3007	657	19	as	as	SCONJ
cblr-3007	657	20	there	there	PRON
cblr-3007	657	21	is	be	VERB
cblr-3007	657	22	no	no	DET
cblr-3007	657	23	system	system	NOUN
cblr-3007	657	24	that	that	PRON
cblr-3007	657	25	caps	cap	VERB
cblr-3007	657	26	these	these	DET
cblr-3007	657	27	fees	fee	NOUN
cblr-3007	657	28	like	like	ADP
cblr-3007	657	29	the	the	DET
cblr-3007	657	30	australian	australian	ADJ
cblr-3007	657	31	model	model	NOUN
cblr-3007	657	32	.	.	PUNCT
cblr-3007	658	1	even	even	ADV
cblr-3007	658	2	so	so	ADV
cblr-3007	658	3	,	,	PUNCT
cblr-3007	658	4	if	if	SCONJ
cblr-3007	658	5	some	some	DET
cblr-3007	658	6	effort	effort	NOUN
cblr-3007	658	7	to	to	PART
cblr-3007	658	8	deal	deal	VERB
cblr-3007	658	9	with	with	ADP
cblr-3007	658	10	any	any	DET
cblr-3007	658	11	concentration	concentration	NOUN
cblr-3007	658	12	issue	issue	NOUN
cblr-3007	658	13	(	(	PUNCT
cblr-3007	658	14	of	of	ADP
cblr-3007	658	15	less	less	ADJ
cblr-3007	658	16	concern	concern	NOUN
cblr-3007	658	17	in	in	ADP
cblr-3007	658	18	the	the	DET
cblr-3007	658	19	united	united	PROPN
cblr-3007	658	20	states	states	PROPN
cblr-3007	658	21	than	than	ADP
cblr-3007	658	22	in	in	ADP
cblr-3007	658	23	the	the	DET
cblr-3007	658	24	more	more	ADV
cblr-3007	658	25	concentrated	concentrated	ADJ
cblr-3007	658	26	australian	australian	ADJ
cblr-3007	658	27	market	market	NOUN
cblr-3007	658	28	)	)	PUNCT
cblr-3007	658	29	is	be	AUX
cblr-3007	658	30	desired	desire	VERB
cblr-3007	658	31	,	,	PUNCT
cblr-3007	658	32	administrative	administrative	ADJ
cblr-3007	658	33	regulation	regulation	NOUN
cblr-3007	658	34	offers	offer	VERB
cblr-3007	658	35	the	the	DET
cblr-3007	658	36	proper	proper	ADJ
cblr-3007	658	37	forum	forum	NOUN
cblr-3007	658	38	in	in	ADP
cblr-3007	658	39	which	which	PRON
cblr-3007	658	40	to	to	PART
cblr-3007	658	41	raise	raise	VERB
cblr-3007	658	42	those	those	DET
cblr-3007	658	43	issues	issue	NOUN
cblr-3007	658	44	,	,	PUNCT
cblr-3007	658	45	as	as	SCONJ
cblr-3007	658	46	it	it	PRON
cblr-3007	658	47	does	do	AUX
cblr-3007	658	48	in	in	ADP
cblr-3007	658	49	all	all	DET
cblr-3007	658	50	ratemaking	ratemake	VERB
cblr-3007	658	51	contexts	contexts	NOUN
cblr-3007	658	52	.	.	PUNCT
cblr-3007	659	1	given	give	VERB
cblr-3007	659	2	the	the	DET
cblr-3007	659	3	strong	strong	ADJ
cblr-3007	659	4	efficiency	efficiency	NOUN
cblr-3007	659	5	properties	property	NOUN
cblr-3007	659	6	of	of	ADP
cblr-3007	659	7	the	the	DET
cblr-3007	659	8	current	current	ADJ
cblr-3007	659	9	arrangements	arrangement	NOUN
cblr-3007	659	10	,	,	PUNCT
cblr-3007	659	11	any	any	DET
cblr-3007	659	12	breakup	breakup	NOUN
cblr-3007	659	13	of	of	ADP
cblr-3007	659	14	the	the	DET
cblr-3007	659	15	network	network	NOUN
cblr-3007	659	16	would	would	AUX
cblr-3007	659	17	be	be	AUX
cblr-3007	659	18	wholly	wholly	ADV
cblr-3007	659	19	misguided	misguided	ADJ
cblr-3007	659	20	because	because	SCONJ
cblr-3007	659	21	of	of	ADP
cblr-3007	659	22	the	the	DET
cblr-3007	659	23	massive	massive	ADJ
cblr-3007	659	24	dislocations	dislocation	NOUN
cblr-3007	659	25	that	that	SCONJ
cblr-3007	659	26	it	it	PRON
cblr-3007	659	27	would	would	AUX
cblr-3007	659	28	create	create	VERB
cblr-3007	659	29	.	.	PUNCT
cblr-3007	660	1	furthermore	furthermore	ADV
cblr-3007	660	2	,	,	PUNCT
cblr-3007	660	3	a	a	DET
cblr-3007	660	4	huge	huge	ADJ
cblr-3007	660	5	treble	treble	ADJ
cblr-3007	660	6	damages	damage	NOUN
cblr-3007	660	7	award	award	NOUN
cblr-3007	660	8	(	(	PUNCT
cblr-3007	660	9	over	over	ADP
cblr-3007	660	10	a	a	DET
cblr-3007	660	11	nonexistent	nonexistent	ADJ
cblr-3007	660	12	baseline	baseline	NOUN
cblr-3007	660	13	)	)	PUNCT
cblr-3007	660	14	could	could	AUX
cblr-3007	660	15	easily	easily	ADV
cblr-3007	660	16	gobble	gobble	VERB
cblr-3007	660	17	up	up	ADP
cblr-3007	660	18	a	a	DET
cblr-3007	660	19	company	company	NOUN
cblr-3007	660	20	's	's	PART
cblr-3007	660	21	entire	entire	ADJ
cblr-3007	660	22	revenue	revenue	NOUN
cblr-3007	660	23	.	.	PUNCT
cblr-3007	661	1	for	for	ADP
cblr-3007	661	2	example	example	NOUN
cblr-3007	661	3	,	,	PUNCT
cblr-3007	661	4	trebling	treble	VERB
cblr-3007	661	5	the	the	DET
cblr-3007	661	6	0.40	0.40	NUM
cblr-3007	661	7	%	%	NOUN
cblr-3007	661	8	reduction	reduction	NOUN
cblr-3007	661	9	ordered	order	VERB
cblr-3007	661	10	by	by	ADP
cblr-3007	661	11	the	the	DET
cblr-3007	661	12	rba	rba	NOUN
cblr-3007	661	13	would	would	AUX
cblr-3007	661	14	equal	equal	VERB
cblr-3007	661	15	1.20	1.20	NUM
cblr-3007	661	16	%	%	NOUN
cblr-3007	661	17	,	,	PUNCT
cblr-3007	661	18	which	which	PRON
cblr-3007	661	19	is	be	AUX
cblr-3007	661	20	higher	high	ADJ
cblr-3007	661	21	than	than	ADP
cblr-3007	661	22	the	the	DET
cblr-3007	661	23	original	original	ADJ
cblr-3007	661	24	interchange	interchange	NOUN
cblr-3007	661	25	fee	fee	NOUN
cblr-3007	661	26	.	.	PUNCT
cblr-3007	662	1	in	in	ADP
cblr-3007	662	2	short	short	ADJ
cblr-3007	662	3	,	,	PUNCT
cblr-3007	662	4	so	so	ADV
cblr-3007	662	5	long	long	ADV
cblr-3007	662	6	as	as	SCONJ
cblr-3007	662	7	some	some	DET
cblr-3007	662	8	interchange	interchange	NOUN
cblr-3007	662	9	fees	fee	NOUN
cblr-3007	662	10	are	be	AUX
cblr-3007	662	11	necessary	necessary	ADJ
cblr-3007	662	12	to	to	PART
cblr-3007	662	13	keep	keep	VERB
cblr-3007	662	14	the	the	DET
cblr-3007	662	15	network	network	NOUN
cblr-3007	662	16	functioning	function	VERB
cblr-3007	662	17	,	,	PUNCT
cblr-3007	662	18	antitrust	antitrust	ADJ
cblr-3007	662	19	laws	law	NOUN
cblr-3007	662	20	should	should	AUX
cblr-3007	662	21	not	not	PART
cblr-3007	662	22	apply	apply	VERB
cblr-3007	662	23	in	in	ADP
cblr-3007	662	24	the	the	DET
cblr-3007	662	25	absence	absence	NOUN
cblr-3007	662	26	of	of	ADP
cblr-3007	662	27	price	price	NOUN
cblr-3007	662	28	collusion	collusion	NOUN
cblr-3007	662	29	between	between	ADP
cblr-3007	662	30	the	the	DET
cblr-3007	662	31	different	different	ADJ
cblr-3007	662	32	networks	network	NOUN
cblr-3007	662	33	.	.	PUNCT
cblr-3007	663	1	the	the	DET
cblr-3007	663	2	critique	critique	NOUN
cblr-3007	663	3	of	of	ADP
cblr-3007	663	4	the	the	DET
cblr-3007	663	5	use	use	NOUN
cblr-3007	663	6	of	of	ADP
cblr-3007	663	7	antitrust	antitrust	ADJ
cblr-3007	663	8	law	law	NOUN
cblr-3007	663	9	in	in	ADP
cblr-3007	663	10	this	this	DET
cblr-3007	663	11	arena	arena	NOUN
cblr-3007	663	12	must	must	AUX
cblr-3007	663	13	also	also	ADV
cblr-3007	663	14	consider	consider	VERB
cblr-3007	663	15	the	the	DET
cblr-3007	663	16	fundamental	fundamental	ADJ
cblr-3007	663	17	difference	difference	NOUN
cblr-3007	663	18	between	between	ADP
cblr-3007	663	19	the	the	DET
cblr-3007	663	20	fourparty	fourparty	NOUN
cblr-3007	663	21	and	and	CCONJ
cblr-3007	663	22	three	three	NUM
cblr-3007	663	23	-	-	PUNCT
cblr-3007	663	24	party	party	NOUN
cblr-3007	663	25	systems	system	NOUN
cblr-3007	663	26	.	.	PUNCT
cblr-3007	664	1	mastercard	mastercard	PROPN
cblr-3007	664	2	and	and	CCONJ
cblr-3007	664	3	visa	visa	NOUN
cblr-3007	664	4	,	,	PUNCT
cblr-3007	664	5	out	out	ADP
cblr-3007	664	6	of	of	ADP
cblr-3007	664	7	necessity	necessity	NOUN
cblr-3007	664	8	,	,	PUNCT
cblr-3007	664	9	operate	operate	VERB
cblr-3007	664	10	through	through	ADP
cblr-3007	664	11	combined	combine	VERB
cblr-3007	664	12	action	action	NOUN
cblr-3007	664	13	which	which	PRON
cblr-3007	664	14	is	be	AUX
cblr-3007	664	15	justified	justify	VERB
cblr-3007	664	16	in	in	ADP
cblr-3007	664	17	light	light	NOUN
cblr-3007	664	18	of	of	ADP
cblr-3007	664	19	the	the	DET
cblr-3007	664	20	network	network	NOUN
cblr-3007	664	21	coordination	coordination	NOUN
cblr-3007	664	22	issues	issue	NOUN
cblr-3007	665	1	that	that	PRON
cblr-3007	665	2	payment	payment	NOUN
cblr-3007	665	3	"	"	PUNCT
cblr-3007	665	4	telecommunications	telecommunication	NOUN
cblr-3007	665	5	act	act	NOUN
cblr-3007	665	6	of	of	ADP
cblr-3007	665	7	1996	1996	NUM
cblr-3007	665	8	,	,	PUNCT
cblr-3007	665	9	pub	pub	NOUN
cblr-3007	665	10	.	.	PUNCT
cblr-3007	666	1	l.	l.	PROPN
cblr-3007	666	2	no	no	INTJ
cblr-3007	666	3	.	.	PROPN
cblr-3007	667	1	104	104	NUM
cblr-3007	667	2	-	-	SYM
cblr-3007	667	3	104	104	NUM
cblr-3007	667	4	,	,	PUNCT
cblr-3007	667	5	110	110	NUM
cblr-3007	667	6	stat	stat	NOUN
cblr-3007	667	7	.	.	PUNCT
cblr-3007	668	1	56	56	NUM
cblr-3007	668	2	(	(	PUNCT
cblr-3007	668	3	1996	1996	NUM
cblr-3007	668	4	)	)	PUNCT
cblr-3007	668	5	(	(	PUNCT
cblr-3007	668	6	codified	codify	VERB
cblr-3007	668	7	as	as	SCONJ
cblr-3007	668	8	amended	amend	VERB
cblr-3007	668	9	in	in	ADP
cblr-3007	668	10	scattered	scatter	VERB
cblr-3007	668	11	sections	section	NOUN
cblr-3007	668	12	of	of	ADP
cblr-3007	668	13	47	47	NUM
cblr-3007	668	14	u.s.c	u.s.c	ADJ
cblr-3007	668	15	.	.	PUNCT
cblr-3007	668	16	)	)	PUNCT
cblr-3007	668	17	.	.	PUNCT
cblr-3007	669	1	4	4	NUM
cblr-3007	669	2	verizon	verizon	PROPN
cblr-3007	669	3	commc'ns	commc'ns	PROPN
cblr-3007	669	4	inc	inc	PROPN
cblr-3007	669	5	.	.	PROPN
cblr-3007	670	1	v.	v.	ADP
cblr-3007	670	2	law	law	NOUN
cblr-3007	670	3	offices	office	NOUN
cblr-3007	670	4	of	of	ADP
cblr-3007	670	5	curtis	curtis	PROPN
cblr-3007	670	6	v.	v.	PROPN
cblr-3007	670	7	trinko	trinko	PROPN
cblr-3007	670	8	,	,	PUNCT
cblr-3007	670	9	llp	llp	PROPN
cblr-3007	670	10	,	,	PUNCT
cblr-3007	670	11	540	540	NUM
cblr-3007	670	12	u.s	u.s	PROPN
cblr-3007	670	13	.	.	PROPN
cblr-3007	670	14	398	398	NUM
cblr-3007	670	15	,	,	PUNCT
cblr-3007	670	16	412	412	NUM
cblr-3007	670	17	-	-	SYM
cblr-3007	670	18	14	14	NUM
cblr-3007	670	19	(	(	PUNCT
cblr-3007	670	20	2004	2004	NUM
cblr-3007	670	21	)	)	PUNCT
cblr-3007	670	22	.	.	PUNCT
cblr-3007	671	1	col	col	PROPN
cblr-3007	671	2	umia	umia	PROPN
cblr-3007	671	3	b	b	PROPN
cblr-3007	671	4	usiness	usiness	PROPN
cblr-3007	671	5	la	la	PROPN
cblr-3007	671	6	w	w	PROPN
cblr-3007	671	7	re	re	PROPN
cblr-3007	671	8	vie	vie	PROPN
cblr-3007	671	9	w	w	PROPN
cblr-3007	672	1	[	[	X
cblr-3007	672	2	vol	vol	NOUN
cblr-3007	672	3	.	.	PUNCT
cblr-3007	672	4	2005	2005	NUM
cblr-3007	672	5	systems	system	NOUN
cblr-3007	672	6	are	be	AUX
cblr-3007	672	7	designed	design	VERB
cblr-3007	672	8	to	to	PART
cblr-3007	672	9	resolve	resolve	VERB
cblr-3007	672	10	.	.	PUNCT
cblr-3007	673	1	nevertheless	nevertheless	ADV
cblr-3007	673	2	,	,	PUNCT
cblr-3007	673	3	they	they	PRON
cblr-3007	673	4	are	be	AUX
cblr-3007	673	5	always	always	ADV
cblr-3007	673	6	faced	face	VERB
cblr-3007	673	7	with	with	ADP
cblr-3007	673	8	the	the	DET
cblr-3007	673	9	charge	charge	NOUN
cblr-3007	673	10	that	that	SCONJ
cblr-3007	673	11	they	they	PRON
cblr-3007	673	12	operate	operate	VERB
cblr-3007	673	13	as	as	ADP
cblr-3007	673	14	a	a	DET
cblr-3007	673	15	combination	combination	NOUN
cblr-3007	673	16	in	in	ADP
cblr-3007	673	17	restraint	restraint	NOUN
cblr-3007	673	18	of	of	ADP
cblr-3007	673	19	trade	trade	NOUN
cblr-3007	673	20	notwithstanding	notwithstanding	ADP
cblr-3007	673	21	the	the	DET
cblr-3007	673	22	manifest	manif	ADJ
cblr-3007	673	23	need	need	NOUN
cblr-3007	673	24	for	for	ADP
cblr-3007	673	25	a	a	DET
cblr-3007	673	26	uniform	uniform	ADJ
cblr-3007	673	27	interchange	interchange	NOUN
cblr-3007	673	28	fee	fee	NOUN
cblr-3007	673	29	.	.	PUNCT
cblr-3007	674	1	firms	firm	NOUN
cblr-3007	674	2	like	like	ADP
cblr-3007	674	3	amex	amex	PROPN
cblr-3007	674	4	and	and	CCONJ
cblr-3007	674	5	diners	diner	NOUN
cblr-3007	674	6	club	club	NOUN
cblr-3007	674	7	,	,	PUNCT
cblr-3007	674	8	which	which	PRON
cblr-3007	674	9	operate	operate	VERB
cblr-3007	674	10	standalone	standalone	ADJ
cblr-3007	674	11	threeparty	threeparty	NOUN
cblr-3007	674	12	systems	system	NOUN
cblr-3007	674	13	,	,	PUNCT
cblr-3007	674	14	can	can	AUX
cblr-3007	674	15	set	set	VERB
cblr-3007	674	16	their	their	PRON
cblr-3007	674	17	own	own	ADJ
cblr-3007	674	18	fees	fee	NOUN
cblr-3007	674	19	unilaterally	unilaterally	ADV
cblr-3007	674	20	,	,	PUNCT
cblr-3007	674	21	thereby	thereby	ADV
cblr-3007	674	22	escaping	escape	VERB
cblr-3007	674	23	the	the	DET
cblr-3007	674	24	charge	charge	NOUN
cblr-3007	674	25	of	of	ADP
cblr-3007	674	26	collusion	collusion	NOUN
cblr-3007	674	27	,	,	PUNCT
cblr-3007	674	28	regardless	regardless	ADV
cblr-3007	674	29	of	of	ADP
cblr-3007	674	30	their	their	PRON
cblr-3007	674	31	(	(	PUNCT
cblr-3007	674	32	limited	limited	ADJ
cblr-3007	674	33	)	)	PUNCT
cblr-3007	674	34	market	market	NOUN
cblr-3007	674	35	power	power	NOUN
cblr-3007	674	36	in	in	ADP
cblr-3007	674	37	a	a	DET
cblr-3007	674	38	concentrated	concentrate	VERB
cblr-3007	674	39	payment	payment	NOUN
cblr-3007	674	40	card	card	NOUN
cblr-3007	674	41	market	market	NOUN
cblr-3007	674	42	.	.	PUNCT
cblr-3007	675	1	in	in	ADP
cblr-3007	675	2	general	general	ADJ
cblr-3007	675	3	,	,	PUNCT
cblr-3007	675	4	it	it	PRON
cblr-3007	675	5	creates	create	VERB
cblr-3007	675	6	major	major	ADJ
cblr-3007	675	7	distortions	distortion	NOUN
cblr-3007	675	8	to	to	PART
cblr-3007	675	9	subject	subject	VERB
cblr-3007	675	10	two	two	NUM
cblr-3007	675	11	competing	compete	VERB
cblr-3007	675	12	modes	mode	NOUN
cblr-3007	675	13	of	of	ADP
cblr-3007	675	14	business	business	NOUN
cblr-3007	675	15	organizations	organization	NOUN
cblr-3007	675	16	to	to	PART
cblr-3007	675	17	radically	radically	ADV
cblr-3007	675	18	different	different	ADJ
cblr-3007	675	19	antitrust	antitrust	ADJ
cblr-3007	675	20	regimes	regime	NOUN
cblr-3007	675	21	.	.	PUNCT
cblr-3007	676	1	right	right	ADV
cblr-3007	676	2	now	now	ADV
cblr-3007	676	3	,	,	PUNCT
cblr-3007	676	4	mastercard	mastercard	PROPN
cblr-3007	676	5	is	be	AUX
cblr-3007	676	6	busy	busy	ADJ
cblr-3007	676	7	turning	turn	VERB
cblr-3007	676	8	itself	itself	PRON
cblr-3007	676	9	into	into	ADP
cblr-3007	676	10	a	a	DET
cblr-3007	676	11	proprietary	proprietary	ADJ
cblr-3007	676	12	organization	organization	NOUN
cblr-3007	676	13	,	,	PUNCT
cblr-3007	676	14	in	in	ADP
cblr-3007	676	15	part	part	NOUN
cblr-3007	676	16	to	to	PART
cblr-3007	676	17	minimize	minimize	VERB
cblr-3007	676	18	the	the	DET
cblr-3007	676	19	potential	potential	ADJ
cblr-3007	676	20	application	application	NOUN
cblr-3007	676	21	of	of	ADP
cblr-3007	676	22	the	the	DET
cblr-3007	676	23	antitrust	antitrust	ADJ
cblr-3007	676	24	laws.49	laws.49	NOUN
cblr-3007	676	25	other	other	ADJ
cblr-3007	676	26	reasons	reason	NOUN
cblr-3007	676	27	may	may	AUX
cblr-3007	676	28	also	also	ADV
cblr-3007	676	29	account	account	VERB
cblr-3007	676	30	for	for	ADP
cblr-3007	676	31	the	the	DET
cblr-3007	676	32	shift	shift	NOUN
cblr-3007	676	33	,	,	PUNCT
cblr-3007	676	34	such	such	ADJ
cblr-3007	676	35	as	as	ADP
cblr-3007	676	36	an	an	DET
cblr-3007	676	37	improved	improved	ADJ
cblr-3007	676	38	ability	ability	NOUN
cblr-3007	676	39	to	to	PART
cblr-3007	676	40	raise	raise	VERB
cblr-3007	676	41	capital	capital	NOUN
cblr-3007	676	42	.	.	PUNCT
cblr-3007	677	1	but	but	CCONJ
cblr-3007	677	2	even	even	ADV
cblr-3007	677	3	so	so	ADV
cblr-3007	677	4	,	,	PUNCT
cblr-3007	677	5	potential	potential	ADJ
cblr-3007	677	6	exposure	exposure	NOUN
cblr-3007	677	7	to	to	ADP
cblr-3007	677	8	the	the	DET
cblr-3007	677	9	antitrust	antitrust	ADJ
cblr-3007	677	10	laws	law	NOUN
cblr-3007	677	11	should	should	AUX
cblr-3007	677	12	not	not	PART
cblr-3007	677	13	place	place	VERB
cblr-3007	677	14	a	a	DET
cblr-3007	677	15	thumb	thumb	NOUN
cblr-3007	677	16	on	on	ADP
cblr-3007	677	17	the	the	DET
cblr-3007	677	18	scale	scale	NOUN
cblr-3007	677	19	,	,	PUNCT
cblr-3007	677	20	which	which	PRON
cblr-3007	677	21	in	in	ADP
cblr-3007	677	22	some	some	DET
cblr-3007	677	23	situations	situation	NOUN
cblr-3007	677	24	at	at	ADP
cblr-3007	677	25	least	least	ADJ
cblr-3007	677	26	will	will	AUX
cblr-3007	677	27	motivate	motivate	VERB
cblr-3007	677	28	parties	party	NOUN
cblr-3007	677	29	to	to	PART
cblr-3007	677	30	adopt	adopt	VERB
cblr-3007	677	31	inefficient	inefficient	ADJ
cblr-3007	677	32	business	business	NOUN
cblr-3007	677	33	forms	form	NOUN
cblr-3007	677	34	.	.	PUNCT
cblr-3007	678	1	if	if	SCONJ
cblr-3007	678	2	some	some	DET
cblr-3007	678	3	form	form	NOUN
cblr-3007	678	4	of	of	ADP
cblr-3007	678	5	intervention	intervention	NOUN
cblr-3007	678	6	is	be	AUX
cblr-3007	678	7	required	require	VERB
cblr-3007	678	8	,	,	PUNCT
cblr-3007	678	9	then	then	ADV
cblr-3007	678	10	a	a	DET
cblr-3007	678	11	uniform	uniform	ADJ
cblr-3007	678	12	regime	regime	NOUN
cblr-3007	678	13	of	of	ADP
cblr-3007	678	14	interchange	interchange	NOUN
cblr-3007	678	15	fees	fee	NOUN
cblr-3007	678	16	,	,	PUNCT
cblr-3007	678	17	which	which	PRON
cblr-3007	678	18	may	may	AUX
cblr-3007	678	19	allow	allow	VERB
cblr-3007	678	20	for	for	ADP
cblr-3007	678	21	some	some	DET
cblr-3007	678	22	interfirm	interfirm	ADJ
cblr-3007	678	23	variation	variation	NOUN
cblr-3007	678	24	in	in	ADP
cblr-3007	678	25	actual	actual	ADJ
cblr-3007	678	26	rates	rate	NOUN
cblr-3007	678	27	,	,	PUNCT
cblr-3007	678	28	is	be	AUX
cblr-3007	678	29	far	far	ADV
cblr-3007	678	30	superior	superior	ADJ
cblr-3007	678	31	to	to	ADP
cblr-3007	678	32	subjecting	subject	VERB
cblr-3007	678	33	the	the	DET
cblr-3007	678	34	market	market	NOUN
cblr-3007	678	35	to	to	ADP
cblr-3007	678	36	antitrust	antitrust	ADJ
cblr-3007	678	37	laws	law	NOUN
cblr-3007	678	38	that	that	PRON
cblr-3007	678	39	are	be	AUX
cblr-3007	678	40	unable	unable	ADJ
cblr-3007	678	41	to	to	PART
cblr-3007	678	42	do	do	VERB
cblr-3007	678	43	the	the	DET
cblr-3007	678	44	fine	fine	ADJ
cblr-3007	678	45	tuning	tuning	NOUN
cblr-3007	678	46	necessary	necessary	ADJ
cblr-3007	678	47	to	to	PART
cblr-3007	678	48	undertake	undertake	VERB
cblr-3007	678	49	so	so	ADV
cblr-3007	678	50	delicate	delicate	ADJ
cblr-3007	678	51	an	an	DET
cblr-3007	678	52	enterprise	enterprise	NOUN
cblr-3007	678	53	.	.	PUNCT
cblr-3007	679	1	vii.conclusion	vii.conclusion	NOUN
cblr-3007	679	2	this	this	DET
cblr-3007	679	3	examination	examination	NOUN
cblr-3007	679	4	of	of	ADP
cblr-3007	679	5	the	the	DET
cblr-3007	679	6	rba	rba	NOUN
cblr-3007	679	7	's	's	PART
cblr-3007	679	8	proposal	proposal	NOUN
cblr-3007	679	9	demonstrates	demonstrate	VERB
cblr-3007	679	10	how	how	SCONJ
cblr-3007	679	11	difficult	difficult	ADJ
cblr-3007	679	12	it	it	PRON
cblr-3007	679	13	is	be	AUX
cblr-3007	679	14	to	to	PART
cblr-3007	679	15	make	make	VERB
cblr-3007	679	16	and	and	CCONJ
cblr-3007	679	17	implement	implement	VERB
cblr-3007	679	18	government	government	NOUN
cblr-3007	679	19	policies	policy	NOUN
cblr-3007	679	20	that	that	PRON
cblr-3007	679	21	improve	improve	VERB
cblr-3007	679	22	upon	upon	SCONJ
cblr-3007	679	23	the	the	DET
cblr-3007	679	24	outcome	outcome	NOUN
cblr-3007	679	25	of	of	ADP
cblr-3007	679	26	those	those	DET
cblr-3007	679	27	arrangements	arrangement	NOUN
cblr-3007	679	28	brought	bring	VERB
cblr-3007	679	29	into	into	ADP
cblr-3007	679	30	operation	operation	NOUN
cblr-3007	679	31	by	by	ADP
cblr-3007	679	32	the	the	DET
cblr-3007	679	33	ingenious	ingenious	ADJ
cblr-3007	679	34	application	application	NOUN
cblr-3007	679	35	of	of	ADP
cblr-3007	679	36	the	the	DET
cblr-3007	679	37	principles	principle	NOUN
cblr-3007	679	38	of	of	ADP
cblr-3007	679	39	voluntary	voluntary	ADJ
cblr-3007	679	40	association	association	NOUN
cblr-3007	679	41	.	.	PUNCT
cblr-3007	680	1	the	the	DET
cblr-3007	680	2	development	development	NOUN
cblr-3007	680	3	of	of	ADP
cblr-3007	680	4	the	the	DET
cblr-3007	680	5	payment	payment	NOUN
cblr-3007	680	6	card	card	NOUN
cblr-3007	680	7	system	system	NOUN
cblr-3007	680	8	owes	owe	VERB
cblr-3007	680	9	nothing	nothing	PRON
cblr-3007	680	10	to	to	ADP
cblr-3007	680	11	government	government	NOUN
cblr-3007	680	12	support	support	NOUN
cblr-3007	680	13	or	or	CCONJ
cblr-3007	680	14	government	government	NOUN
cblr-3007	680	15	regulation	regulation	NOUN
cblr-3007	680	16	.	.	PUNCT
cblr-3007	681	1	the	the	DET
cblr-3007	681	2	system	system	NOUN
cblr-3007	681	3	,	,	PUNCT
cblr-3007	681	4	as	as	SCONJ
cblr-3007	681	5	it	it	PRON
cblr-3007	681	6	emerged	emerge	VERB
cblr-3007	681	7	,	,	PUNCT
cblr-3007	681	8	developed	develop	VERB
cblr-3007	681	9	from	from	ADP
cblr-3007	681	10	private	private	ADJ
cblr-3007	681	11	networks	network	NOUN
cblr-3007	681	12	which	which	PRON
cblr-3007	681	13	,	,	PUNCT
cblr-3007	681	14	at	at	ADP
cblr-3007	681	15	49	49	NUM
cblr-3007	681	16	robin	robin	PROPN
cblr-3007	681	17	sidel	sidel	PROPN
cblr-3007	681	18	,	,	PUNCT
cblr-3007	681	19	mastercard	mastercard	PROPN
cblr-3007	681	20	aims	aim	VERB
cblr-3007	681	21	to	to	PART
cblr-3007	681	22	shift	shift	VERB
cblr-3007	681	23	ownership	ownership	NOUN
cblr-3007	681	24	,	,	PUNCT
cblr-3007	681	25	wall	wall	PROPN
cblr-3007	681	26	st	st	PROPN
cblr-3007	681	27	.	.	PROPN
cblr-3007	681	28	j.	j.	PROPN
cblr-3007	681	29	,	,	PUNCT
cblr-3007	681	30	sept	sept	PROPN
cblr-3007	681	31	.	.	PROPN
cblr-3007	681	32	1	1	NUM
cblr-3007	681	33	,	,	PUNCT
cblr-3007	681	34	2005	2005	NUM
cblr-3007	681	35	,	,	PUNCT
cblr-3007	681	36	at	at	ADP
cblr-3007	681	37	c3	c3	PROPN
cblr-3007	681	38	(	(	PUNCT
cblr-3007	681	39	"	"	PUNCT
cblr-3007	681	40	several	several	ADJ
cblr-3007	681	41	people	people	NOUN
cblr-3007	681	42	also	also	ADV
cblr-3007	681	43	said	say	VERB
cblr-3007	681	44	that	that	SCONJ
cblr-3007	681	45	the	the	DET
cblr-3007	681	46	partial	partial	ADJ
cblr-3007	681	47	sale	sale	NOUN
cblr-3007	681	48	of	of	ADP
cblr-3007	681	49	the	the	DET
cblr-3007	681	50	card	card	NOUN
cblr-3007	681	51	association	association	NOUN
cblr-3007	681	52	could	could	AUX
cblr-3007	681	53	help	help	VERB
cblr-3007	681	54	shield	shield	VERB
cblr-3007	681	55	mastercard	mastercard	PROPN
cblr-3007	681	56	from	from	ADP
cblr-3007	681	57	a	a	DET
cblr-3007	681	58	series	series	NOUN
cblr-3007	681	59	of	of	ADP
cblr-3007	681	60	recent	recent	ADJ
cblr-3007	681	61	antitrust	antitrust	ADJ
cblr-3007	681	62	lawsuits	lawsuit	NOUN
cblr-3007	681	63	over	over	ADP
cblr-3007	681	64	fees	fee	NOUN
cblr-3007	681	65	that	that	SCONJ
cblr-3007	681	66	merchants	merchant	NOUN
cblr-3007	681	67	pay	pay	VERB
cblr-3007	681	68	to	to	PART
cblr-3007	681	69	accept	accept	VERB
cblr-3007	681	70	and	and	CCONJ
cblr-3007	681	71	process	process	NOUN
cblr-3007	681	72	cards	card	NOUN
cblr-3007	681	73	.	.	PUNCT
cblr-3007	681	74	"	"	PUNCT
cblr-3007	681	75	)	)	PUNCT
cblr-3007	681	76	.	.	PUNCT
cblr-3007	682	1	the	the	DET
cblr-3007	682	2	regulation	regulation	NOUN
cblr-3007	682	3	of	of	ADP
cblr-3007	682	4	interchange	interchange	NOUN
cblr-3007	682	5	feesno	feesno	NOUN
cblr-3007	682	6	.	.	PUNCT
cblr-3007	683	1	3:55	3:55	NUM
cblr-3007	683	2	11	11	NUM
cblr-3007	683	3	columbia	columbia	PROPN
cblr-3007	683	4	business	business	NOUN
cblr-3007	683	5	law	law	PROPN
cblr-3007	683	6	review	review	VERB
cblr-3007	683	7	their	their	PRON
cblr-3007	683	8	inception	inception	NOUN
cblr-3007	683	9	,	,	PUNCT
cblr-3007	683	10	appeared	appear	VERB
cblr-3007	683	11	to	to	PART
cblr-3007	683	12	be	be	AUX
cblr-3007	683	13	of	of	ADP
cblr-3007	683	14	limited	limited	ADJ
cblr-3007	683	15	scope	scope	NOUN
cblr-3007	683	16	and	and	CCONJ
cblr-3007	683	17	utility	utility	NOUN
cblr-3007	683	18	.	.	PUNCT
cblr-3007	684	1	but	but	CCONJ
cblr-3007	684	2	the	the	DET
cblr-3007	684	3	growth	growth	NOUN
cblr-3007	684	4	of	of	ADP
cblr-3007	684	5	networks	network	NOUN
cblr-3007	684	6	that	that	PRON
cblr-3007	684	7	link	link	VERB
cblr-3007	684	8	individuals	individual	NOUN
cblr-3007	684	9	together	together	ADV
cblr-3007	684	10	can	can	AUX
cblr-3007	684	11	take	take	VERB
cblr-3007	684	12	place	place	NOUN
cblr-3007	684	13	in	in	ADP
cblr-3007	684	14	a	a	DET
cblr-3007	684	15	gradual	gradual	ADJ
cblr-3007	684	16	way	way	NOUN
cblr-3007	684	17	.	.	PUNCT
cblr-3007	685	1	individuals	individual	NOUN
cblr-3007	685	2	who	who	PRON
cblr-3007	685	3	have	have	VERB
cblr-3007	685	4	no	no	DET
cblr-3007	685	5	information	information	NOUN
cblr-3007	685	6	about	about	ADP
cblr-3007	685	7	how	how	SCONJ
cblr-3007	685	8	networks	network	NOUN
cblr-3007	685	9	are	be	AUX
cblr-3007	685	10	organized	organize	VERB
cblr-3007	685	11	can	can	AUX
cblr-3007	685	12	sign	sign	VERB
cblr-3007	685	13	on	on	ADP
cblr-3007	685	14	with	with	ADP
cblr-3007	685	15	a	a	DET
cblr-3007	685	16	bank	bank	NOUN
cblr-3007	685	17	.	.	PUNCT
cblr-3007	686	1	the	the	DET
cblr-3007	686	2	bank	bank	NOUN
cblr-3007	686	3	then	then	ADV
cblr-3007	686	4	will	will	AUX
cblr-3007	686	5	enter	enter	VERB
cblr-3007	686	6	into	into	ADP
cblr-3007	686	7	transactions	transaction	NOUN
cblr-3007	686	8	with	with	ADP
cblr-3007	686	9	other	other	ADJ
cblr-3007	686	10	financial	financial	ADJ
cblr-3007	686	11	institutions	institution	NOUN
cblr-3007	686	12	in	in	ADP
cblr-3007	686	13	ways	way	NOUN
cblr-3007	686	14	that	that	PRON
cblr-3007	686	15	promote	promote	VERB
cblr-3007	686	16	their	their	PRON
cblr-3007	686	17	mutual	mutual	ADJ
cblr-3007	686	18	gain	gain	NOUN
cblr-3007	686	19	.	.	PUNCT
cblr-3007	687	1	within	within	ADP
cblr-3007	687	2	the	the	DET
cblr-3007	687	3	past	past	ADJ
cblr-3007	687	4	fifty	fifty	NUM
cblr-3007	687	5	years	year	NOUN
cblr-3007	687	6	,	,	PUNCT
cblr-3007	687	7	the	the	DET
cblr-3007	687	8	transformation	transformation	NOUN
cblr-3007	687	9	in	in	ADP
cblr-3007	687	10	payment	payment	NOUN
cblr-3007	687	11	systems	system	NOUN
cblr-3007	687	12	has	have	AUX
cblr-3007	687	13	taken	take	VERB
cblr-3007	687	14	place	place	NOUN
cblr-3007	687	15	along	along	ADP
cblr-3007	687	16	multiple	multiple	ADJ
cblr-3007	687	17	dimensions	dimension	NOUN
cblr-3007	687	18	,	,	PUNCT
cblr-3007	687	19	so	so	ADV
cblr-3007	687	20	much	much	ADV
cblr-3007	687	21	so	so	SCONJ
cblr-3007	687	22	that	that	SCONJ
cblr-3007	687	23	it	it	PRON
cblr-3007	687	24	is	be	AUX
cblr-3007	687	25	easy	easy	ADJ
cblr-3007	687	26	to	to	PART
cblr-3007	687	27	lose	lose	VERB
cblr-3007	687	28	track	track	NOUN
cblr-3007	687	29	of	of	ADP
cblr-3007	687	30	the	the	DET
cblr-3007	687	31	gains	gain	NOUN
cblr-3007	687	32	that	that	PRON
cblr-3007	687	33	these	these	DET
cblr-3007	687	34	innovations	innovation	NOUN
cblr-3007	687	35	have	have	AUX
cblr-3007	687	36	wrought	work	VERB
cblr-3007	687	37	.	.	PUNCT
cblr-3007	688	1	but	but	CCONJ
cblr-3007	688	2	in	in	ADP
cblr-3007	688	3	thinking	think	VERB
cblr-3007	688	4	back	back	ADV
cblr-3007	688	5	on	on	ADP
cblr-3007	688	6	my	my	PRON
cblr-3007	688	7	own	own	ADJ
cblr-3007	688	8	life	life	NOUN
cblr-3007	688	9	,	,	PUNCT
cblr-3007	688	10	i	i	PRON
cblr-3007	688	11	recall	recall	VERB
cblr-3007	688	12	that	that	SCONJ
cblr-3007	688	13	in	in	ADP
cblr-3007	688	14	1973	1973	NUM
cblr-3007	688	15	my	my	PRON
cblr-3007	688	16	wife	wife	NOUN
cblr-3007	688	17	and	and	CCONJ
cblr-3007	688	18	i	i	PRON
cblr-3007	688	19	used	use	VERB
cblr-3007	688	20	a	a	DET
cblr-3007	688	21	mix	mix	NOUN
cblr-3007	688	22	of	of	ADP
cblr-3007	688	23	american	american	PROPN
cblr-3007	688	24	express	express	PROPN
cblr-3007	688	25	travelers	traveler	NOUN
cblr-3007	688	26	'	'	PART
cblr-3007	688	27	checks	check	NOUN
cblr-3007	688	28	-	-	PUNCT
cblr-3007	688	29	we	we	PRON
cblr-3007	688	30	did	do	AUX
cblr-3007	688	31	n't	not	PART
cblr-3007	688	32	leave	leave	VERB
cblr-3007	688	33	home	home	NOUN
cblr-3007	688	34	without	without	ADP
cblr-3007	688	35	them!-and	them!-and	NUM
cblr-3007	688	36	a	a	DET
cblr-3007	688	37	letter	letter	NOUN
cblr-3007	688	38	of	of	ADP
cblr-3007	688	39	credit	credit	NOUN
cblr-3007	688	40	to	to	PART
cblr-3007	688	41	pay	pay	VERB
cblr-3007	688	42	for	for	ADP
cblr-3007	688	43	a	a	DET
cblr-3007	688	44	month	month	NOUN
cblr-3007	688	45	's	's	PART
cblr-3007	688	46	holiday	holiday	NOUN
cblr-3007	688	47	in	in	ADP
cblr-3007	688	48	europe	europe	PROPN
cblr-3007	688	49	.	.	PUNCT
cblr-3007	689	1	but	but	CCONJ
cblr-3007	689	2	that	that	PRON
cblr-3007	689	3	was	be	AUX
cblr-3007	689	4	in	in	ADP
cblr-3007	689	5	an	an	DET
cblr-3007	689	6	age	age	NOUN
cblr-3007	689	7	before	before	SCONJ
cblr-3007	689	8	large	large	ADJ
cblr-3007	689	9	credit	credit	NOUN
cblr-3007	689	10	card	card	NOUN
cblr-3007	689	11	networks	network	NOUN
cblr-3007	689	12	,	,	PUNCT
cblr-3007	689	13	atms	atms	NOUN
cblr-3007	689	14	,	,	PUNCT
cblr-3007	689	15	online	online	ADJ
cblr-3007	689	16	banking	banking	NOUN
cblr-3007	689	17	,	,	PUNCT
cblr-3007	689	18	immediate	immediate	ADJ
cblr-3007	689	19	credit	credit	NOUN
cblr-3007	689	20	verification	verification	NOUN
cblr-3007	689	21	,	,	PUNCT
cblr-3007	689	22	and	and	CCONJ
cblr-3007	689	23	a	a	DET
cblr-3007	689	24	thousand	thousand	NUM
cblr-3007	689	25	other	other	ADJ
cblr-3007	689	26	conveniences	convenience	NOUN
cblr-3007	689	27	,	,	PUNCT
cblr-3007	689	28	large	large	ADJ
cblr-3007	689	29	and	and	CCONJ
cblr-3007	689	30	small	small	ADJ
cblr-3007	689	31	,	,	PUNCT
cblr-3007	689	32	became	become	VERB
cblr-3007	689	33	universally	universally	ADV
cblr-3007	689	34	available	available	ADJ
cblr-3007	689	35	.	.	PUNCT
cblr-3007	690	1	the	the	DET
cblr-3007	690	2	processes	process	NOUN
cblr-3007	690	3	that	that	PRON
cblr-3007	690	4	generate	generate	VERB
cblr-3007	690	5	these	these	DET
cblr-3007	690	6	major	major	ADJ
cblr-3007	690	7	gains	gain	NOUN
cblr-3007	690	8	always	always	ADV
cblr-3007	690	9	look	look	VERB
cblr-3007	690	10	chaotic	chaotic	ADJ
cblr-3007	690	11	,	,	PUNCT
cblr-3007	690	12	and	and	CCONJ
cblr-3007	690	13	their	their	PRON
cblr-3007	690	14	results	result	NOUN
cblr-3007	690	15	often	often	ADV
cblr-3007	690	16	leave	leave	VERB
cblr-3007	690	17	short	short	ADJ
cblr-3007	690	18	-	-	PUNCT
cblr-3007	690	19	term	term	NOUN
cblr-3007	690	20	losers	loser	NOUN
cblr-3007	690	21	that	that	PRON
cblr-3007	690	22	call	call	VERB
cblr-3007	690	23	out	out	ADP
cblr-3007	690	24	for	for	ADP
cblr-3007	690	25	further	further	ADJ
cblr-3007	690	26	government	government	NOUN
cblr-3007	690	27	regulation	regulation	NOUN
cblr-3007	690	28	.	.	PUNCT
cblr-3007	691	1	right	right	ADV
cblr-3007	691	2	now	now	ADV
cblr-3007	691	3	,	,	PUNCT
cblr-3007	691	4	in	in	ADP
cblr-3007	691	5	the	the	DET
cblr-3007	691	6	wake	wake	NOUN
cblr-3007	691	7	of	of	ADP
cblr-3007	691	8	hurricane	hurricane	PROPN
cblr-3007	691	9	katrina	katrina	PROPN
cblr-3007	691	10	,	,	PUNCT
cblr-3007	691	11	gasoline	gasoline	NOUN
cblr-3007	691	12	dealers	dealer	NOUN
cblr-3007	691	13	have	have	AUX
cblr-3007	691	14	mounted	mount	VERB
cblr-3007	691	15	a	a	DET
cblr-3007	691	16	concerted	concerted	ADJ
cblr-3007	691	17	protest	protest	NOUN
cblr-3007	691	18	against	against	ADP
cblr-3007	691	19	the	the	DET
cblr-3007	691	20	rise	rise	NOUN
cblr-3007	691	21	in	in	ADP
cblr-3007	691	22	(	(	PUNCT
cblr-3007	691	23	fixed	fixed	ADJ
cblr-3007	691	24	)	)	PUNCT
cblr-3007	691	25	interchange	interchange	NOUN
cblr-3007	691	26	fees	fee	NOUN
cblr-3007	691	27	that	that	PRON
cblr-3007	691	28	have	have	AUX
cblr-3007	691	29	cut	cut	VERB
cblr-3007	691	30	into	into	ADP
cblr-3007	691	31	their	their	PRON
cblr-3007	691	32	profit	profit	NOUN
cblr-3007	691	33	margins	margin	NOUN
cblr-3007	691	34	with	with	ADP
cblr-3007	691	35	the	the	DET
cblr-3007	691	36	spike	spike	NOUN
cblr-3007	691	37	in	in	ADP
cblr-3007	691	38	gasoline	gasoline	NOUN
cblr-3007	691	39	prices.5	prices.5	PROPN
cblr-3007	691	40	"	"	PUNCT
cblr-3007	691	41	that	that	PRON
cblr-3007	691	42	being	be	AUX
cblr-3007	691	43	the	the	DET
cblr-3007	691	44	case	case	NOUN
cblr-3007	691	45	,	,	PUNCT
cblr-3007	691	46	there	there	PRON
cblr-3007	691	47	is	be	VERB
cblr-3007	691	48	no	no	DET
cblr-3007	691	49	need	need	NOUN
cblr-3007	691	50	for	for	ADP
cblr-3007	691	51	piecemeal	piecemeal	ADJ
cblr-3007	691	52	intervention	intervention	NOUN
cblr-3007	691	53	,	,	PUNCT
cblr-3007	691	54	especially	especially	ADV
cblr-3007	691	55	when	when	SCONJ
cblr-3007	691	56	these	these	DET
cblr-3007	691	57	same	same	ADJ
cblr-3007	691	58	firms	firm	NOUN
cblr-3007	691	59	will	will	AUX
cblr-3007	691	60	see	see	VERB
cblr-3007	691	61	their	their	PRON
cblr-3007	691	62	interchange	interchange	NOUN
cblr-3007	691	63	fees	fee	NOUN
cblr-3007	691	64	sink	sink	VERB
cblr-3007	691	65	as	as	SCONJ
cblr-3007	691	66	prices	price	NOUN
cblr-3007	691	67	work	work	VERB
cblr-3007	691	68	their	their	PRON
cblr-3007	691	69	way	way	NOUN
cblr-3007	691	70	back	back	ADV
cblr-3007	691	71	to	to	ADP
cblr-3007	691	72	lower	low	ADJ
cblr-3007	691	73	levels	level	NOUN
cblr-3007	691	74	.	.	PUNCT
cblr-3007	692	1	the	the	DET
cblr-3007	692	2	self	self	NOUN
cblr-3007	692	3	-	-	PUNCT
cblr-3007	692	4	help	help	NOUN
cblr-3007	692	5	remedy	remedy	NOUN
cblr-3007	692	6	of	of	ADP
cblr-3007	692	7	taking	take	VERB
cblr-3007	692	8	only	only	ADV
cblr-3007	692	9	cash	cash	NOUN
cblr-3007	692	10	or	or	CCONJ
cblr-3007	692	11	debit	debit	NOUN
cblr-3007	692	12	cards	card	NOUN
cblr-3007	692	13	-	-	PUNCT
cblr-3007	692	14	checks	check	NOUN
cblr-3007	692	15	wo	will	AUX
cblr-3007	692	16	n't	not	PART
cblr-3007	692	17	cut	cut	VERB
cblr-3007	692	18	it	it	PRON
cblr-3007	692	19	in	in	ADP
cblr-3007	692	20	this	this	DET
cblr-3007	692	21	market	market	NOUN
cblr-3007	692	22	-	-	PUNCT
cblr-3007	692	23	is	be	AUX
cblr-3007	692	24	far	far	ADV
cblr-3007	692	25	preferable	preferable	ADJ
cblr-3007	692	26	to	to	ADP
cblr-3007	692	27	another	another	DET
cblr-3007	692	28	round	round	NOUN
cblr-3007	692	29	of	of	ADP
cblr-3007	692	30	litigation	litigation	NOUN
cblr-3007	692	31	or	or	CCONJ
cblr-3007	692	32	regulation	regulation	NOUN
cblr-3007	692	33	that	that	PRON
cblr-3007	692	34	could	could	AUX
cblr-3007	692	35	be	be	AUX
cblr-3007	692	36	replicated	replicate	VERB
cblr-3007	692	37	in	in	ADP
cblr-3007	692	38	any	any	DET
cblr-3007	692	39	other	other	ADJ
cblr-3007	692	40	submarket	submarket	NOUN
cblr-3007	692	41	that	that	PRON
cblr-3007	692	42	experiences	experience	VERB
cblr-3007	692	43	substantial	substantial	ADJ
cblr-3007	692	44	price	price	NOUN
cblr-3007	692	45	variation	variation	NOUN
cblr-3007	692	46	.	.	PUNCT
cblr-3007	693	1	as	as	SCONJ
cblr-3007	693	2	this	this	DET
cblr-3007	693	3	timely	timely	ADJ
cblr-3007	693	4	example	example	NOUN
cblr-3007	693	5	illustrates	illustrate	VERB
cblr-3007	693	6	,	,	PUNCT
cblr-3007	693	7	the	the	DET
cblr-3007	693	8	case	case	NOUN
cblr-3007	693	9	for	for	ADP
cblr-3007	693	10	state	state	NOUN
cblr-3007	693	11	intervention	intervention	NOUN
cblr-3007	693	12	is	be	AUX
cblr-3007	693	13	not	not	PART
cblr-3007	693	14	made	make	VERB
cblr-3007	693	15	out	out	ADP
cblr-3007	693	16	by	by	ADP
cblr-3007	693	17	a	a	DET
cblr-3007	693	18	showing	showing	NOUN
cblr-3007	693	19	that	that	SCONJ
cblr-3007	693	20	someone	someone	PRON
cblr-3007	693	21	can	can	AUX
cblr-3007	693	22	devise	devise	VERB
cblr-3007	693	23	a	a	DET
cblr-3007	693	24	hypothetical	hypothetical	ADJ
cblr-3007	693	25	system	system	NOUN
cblr-3007	693	26	of	of	ADP
cblr-3007	693	27	fee	fee	NOUN
cblr-3007	693	28	restraints	restraint	NOUN
cblr-3007	693	29	that	that	PRON
cblr-3007	693	30	is	be	AUX
cblr-3007	693	31	said	say	VERB
cblr-3007	693	32	to	to	PART
cblr-3007	693	33	respond	respond	VERB
cblr-3007	693	34	to	to	ADP
cblr-3007	693	35	some	some	DET
cblr-3007	693	36	higher	high	ADJ
cblr-3007	693	37	test	test	NOUN
cblr-3007	693	38	of	of	ADP
cblr-3007	693	39	rationality	rationality	NOUN
cblr-3007	693	40	.	.	PUNCT
cblr-3007	694	1	all	all	DET
cblr-3007	694	2	working	work	VERB
cblr-3007	694	3	systems	system	NOUN
cblr-3007	694	4	contain	contain	VERB
cblr-3007	694	5	imperfections	imperfection	NOUN
cblr-3007	694	6	that	that	PRON
cblr-3007	694	7	are	be	AUX
cblr-3007	694	8	difficult	difficult	ADJ
cblr-3007	694	9	to	to	PART
cblr-3007	694	10	defend	defend	VERB
cblr-3007	694	11	in	in	ADP
cblr-3007	694	12	'	'	NUM
cblr-3007	694	13	0	0	NUM
cblr-3007	694	14	see	see	VERB
cblr-3007	694	15	margaret	margaret	PROPN
cblr-3007	694	16	webb	webb	PROPN
cblr-3007	694	17	pressler	pressler	PROPN
cblr-3007	694	18	,	,	PUNCT
cblr-3007	694	19	card	card	NOUN
cblr-3007	694	20	companies	company	NOUN
cblr-3007	694	21	are	be	AUX
cblr-3007	694	22	filling	fill	VERB
cblr-3007	694	23	up	up	ADP
cblr-3007	694	24	at	at	ADP
cblr-3007	694	25	the	the	DET
cblr-3007	694	26	station	station	NOUN
cblr-3007	694	27	,	,	PUNCT
cblr-3007	694	28	wash	wash	NOUN
cblr-3007	694	29	.	.	PUNCT
cblr-3007	695	1	post	post	NOUN
cblr-3007	695	2	,	,	PUNCT
cblr-3007	695	3	sept	sept	PROPN
cblr-3007	695	4	.	.	PROPN
cblr-3007	695	5	25	25	NUM
cblr-3007	695	6	,	,	PUNCT
cblr-3007	695	7	2005	2005	NUM
cblr-3007	695	8	,	,	PUNCT
cblr-3007	695	9	at	at	ADP
cblr-3007	695	10	fo	fo	NOUN
cblr-3007	695	11	.	.	PUNCT
cblr-3007	696	1	[	[	X
cblr-3007	696	2	vol	vol	NOUN
cblr-3007	696	3	.	.	PUNCT
cblr-3007	697	1	2005	2005	NUM
cblr-3007	697	2	no	no	NOUN
cblr-3007	697	3	.	.	PUNCT
cblr-3007	698	1	3:55	3:55	NUM
cblr-3007	698	2	1	1	NUM
cblr-3007	698	3	]	]	PUNCT
cblr-3007	698	4	the	the	DET
cblr-3007	698	5	regula	regula	NOUN
cblr-3007	698	6	tion	tion	NOUN
cblr-3007	698	7	of	of	ADP
cblr-3007	698	8	inter	inter	ADJ
cblr-3007	698	9	change	change	NOUN
cblr-3007	698	10	fees	fee	VERB
cblr-3007	698	11	597	597	NUM
cblr-3007	698	12	some	some	DET
cblr-3007	698	13	nonexistent	nonexistent	ADJ
cblr-3007	698	14	first	first	ADJ
cblr-3007	698	15	-	-	PUNCT
cblr-3007	698	16	best	good	ADJ
cblr-3007	698	17	world	world	NOUN
cblr-3007	698	18	.	.	PUNCT
cblr-3007	699	1	the	the	DET
cblr-3007	699	2	basic	basic	ADJ
cblr-3007	699	3	social	social	ADJ
cblr-3007	699	4	principle	principle	NOUN
cblr-3007	699	5	,	,	PUNCT
cblr-3007	699	6	however	however	ADV
cblr-3007	699	7	,	,	PUNCT
cblr-3007	699	8	overlooks	overlook	VERB
cblr-3007	699	9	these	these	DET
cblr-3007	699	10	blemishes	blemish	NOUN
cblr-3007	699	11	and	and	CCONJ
cblr-3007	699	12	starts	start	VERB
cblr-3007	699	13	from	from	ADP
cblr-3007	699	14	a	a	DET
cblr-3007	699	15	very	very	ADV
cblr-3007	699	16	different	different	ADJ
cblr-3007	699	17	premise	premise	NOUN
cblr-3007	699	18	:	:	PUNCT
cblr-3007	699	19	do	do	AUX
cblr-3007	699	20	n't	not	PART
cblr-3007	699	21	mess	mess	VERB
cblr-3007	699	22	with	with	ADP
cblr-3007	699	23	success	success	NOUN
cblr-3007	699	24	.	.	PUNCT
cblr-3007	700	1	the	the	DET
cblr-3007	700	2	rapid	rapid	ADJ
cblr-3007	700	3	expansion	expansion	NOUN
cblr-3007	700	4	of	of	ADP
cblr-3007	700	5	payment	payment	NOUN
cblr-3007	700	6	systems	system	NOUN
cblr-3007	700	7	has	have	AUX
cblr-3007	700	8	exceeded	exceed	VERB
cblr-3007	700	9	the	the	DET
cblr-3007	700	10	wildest	wild	ADJ
cblr-3007	700	11	expectations	expectation	NOUN
cblr-3007	700	12	possessed	possess	VERB
cblr-3007	700	13	by	by	ADP
cblr-3007	700	14	anyone	anyone	PRON
cblr-3007	700	15	even	even	ADV
cblr-3007	700	16	a	a	DET
cblr-3007	700	17	decade	decade	NOUN
cblr-3007	700	18	ago	ago	ADV
cblr-3007	700	19	.	.	PUNCT
cblr-3007	701	1	this	this	DET
cblr-3007	701	2	expansion	expansion	NOUN
cblr-3007	701	3	will	will	AUX
cblr-3007	701	4	not	not	PART
cblr-3007	701	5	continue	continue	VERB
cblr-3007	701	6	into	into	ADP
cblr-3007	701	7	the	the	DET
cblr-3007	701	8	next	next	ADJ
cblr-3007	701	9	decade	decade	NOUN
cblr-3007	701	10	if	if	SCONJ
cblr-3007	701	11	state	state	NOUN
cblr-3007	701	12	regulation	regulation	NOUN
cblr-3007	701	13	in	in	ADP
cblr-3007	701	14	australia	australia	PROPN
cblr-3007	701	15	or	or	CCONJ
cblr-3007	701	16	anywhere	anywhere	ADV
cblr-3007	701	17	else	else	ADV
cblr-3007	701	18	expands	expand	VERB
cblr-3007	701	19	its	its	PRON
cblr-3007	701	20	hold	hold	NOUN
cblr-3007	701	21	over	over	ADP
cblr-3007	701	22	a	a	DET
cblr-3007	701	23	complex	complex	ADJ
cblr-3007	701	24	system	system	NOUN
cblr-3007	701	25	that	that	PRON
cblr-3007	701	26	has	have	AUX
cblr-3007	701	27	succeeded	succeed	VERB
cblr-3007	701	28	thus	thus	ADV
cblr-3007	701	29	far	far	ADV
cblr-3007	701	30	without	without	ADP
cblr-3007	701	31	the	the	DET
cblr-3007	701	32	guidance	guidance	NOUN
cblr-3007	701	33	of	of	ADP
cblr-3007	701	34	an	an	DET
cblr-3007	701	35	all	all	ADV
cblr-3007	701	36	too	too	ADV
cblr-3007	701	37	visible	visible	ADJ
cblr-3007	701	38	hand	hand	NOUN
cblr-3007	701	39	.	.	PUNCT