id	sid	eid	entity	type
cjrl-2282	1	1	2013	CARDINAL
cjrl-2282	1	2	73	CARDINAL
cjrl-2282	1	3	3-104	CARDINAL
cjrl-2282	2	1	linda r. crane	PERSON
cjrl-2282	4	1	american	NORP
cjrl-2282	8	1	u.s.	GPE
cjrl-2282	10	1	article four	LAW
cjrl-2282	12	1	more than twenty years	DATE
cjrl-2282	12	2	congress	ORG
cjrl-2282	12	3	the federal reserve board of	ORG
cjrl-2282	17	1	john marshall	PERSON
cjrl-2282	17	2	chicago	GPE
cjrl-2282	17	3	illinois	GPE
cjrl-2282	17	4	northwestern university	ORG
cjrl-2282	17	5	j.d.	GPE
cjrl-2282	18	1	john marshall	PERSON
cjrl-2282	18	2	midwest	LOC
cjrl-2282	18	3	american	NORP
cjrl-2282	19	1	kevin l. hopkins	PERSON
cjrl-2282	19	2	john marshall	PERSON
cjrl-2282	20	1	linda s. greene	PERSON
cjrl-2282	20	2	wisconsin-madison	GPE
cjrl-2282	20	3	christopher ehresman	PERSON
cjrl-2282	20	4	jeffrey gaster	PERSON
cjrl-2282	20	5	stephanie day	ORG
cjrl-2282	20	6	the columbia journal	ORG
cjrl-2282	21	1	74	CARDINAL
cjrl-2282	21	2	3	CARDINAL
cjrl-2282	21	3	3:1	CARDINAL
cjrl-2282	22	1	two	CARDINAL
cjrl-2282	23	1	first	ORDINAL
cjrl-2282	24	1	second	ORDINAL
cjrl-2282	25	1	i. introduction…………………………………………………………	PERSON
cjrl-2282	25	2	75 ii	QUANTITY
cjrl-2282	25	3	midnight	TIME
cjrl-2282	25	4	………………	PRODUCT
cjrl-2282	25	5	75 iii	QUANTITY
cjrl-2282	25	6	…………	PRODUCT
cjrl-2282	25	7	78 a.	PERSON
cjrl-2282	25	8	79	CARDINAL
cjrl-2282	25	9	21	CARDINAL
cjrl-2282	25	10	………………………………………………………………	PRODUCT
cjrl-2282	25	11	80	CARDINAL
cjrl-2282	25	12	21	CARDINAL
cjrl-2282	25	13	………………………………	PRODUCT
cjrl-2282	25	14	81	CARDINAL
cjrl-2282	25	15	…………	PRODUCT
cjrl-2282	26	1	83 a.	DATE
cjrl-2282	26	2	payday	DATE
cjrl-2282	26	3	…………………………………………………………	PRODUCT
cjrl-2282	26	4	85 1	DATE
cjrl-2282	27	1	payday	DATE
cjrl-2282	27	2	…………………………	PRODUCT
cjrl-2282	27	3	85 2	CARDINAL
cjrl-2282	28	1	payday	DATE
cjrl-2282	28	2	……………………………………	PRODUCT
cjrl-2282	28	3	89 3	DATE
cjrl-2282	28	4	payday	DATE
cjrl-2282	28	5	…………………………	PRODUCT
cjrl-2282	29	1	90	CARDINAL
cjrl-2282	29	2	…………………………………………………………	PRODUCT
cjrl-2282	29	3	92	CARDINAL
cjrl-2282	29	4	…………………………	PRODUCT
cjrl-2282	29	5	94	CARDINAL
cjrl-2282	29	6	two	CARDINAL
cjrl-2282	29	7	………………………………………………	PRODUCT
cjrl-2282	29	8	95	CARDINAL
cjrl-2282	29	9	………………	PRODUCT
cjrl-2282	29	10	95	CARDINAL
cjrl-2282	29	11	………………………………………………	PRODUCT
cjrl-2282	29	12	……………………………………	PRODUCT
cjrl-2282	29	13	97	CARDINAL
cjrl-2282	29	14	……………………………………	PRODUCT
cjrl-2282	29	15	97	CARDINAL
cjrl-2282	29	16	…………………………………………	PRODUCT
cjrl-2282	30	1	…………………………………………	PRODUCT
cjrl-2282	30	2	98	CARDINAL
cjrl-2282	30	3	2013	DATE
cjrl-2282	30	4	75	CARDINAL
cjrl-2282	30	5	i. introduction	PERSON
cjrl-2282	30	6	midnight	TIME
cjrl-2282	34	1	two	CARDINAL
cjrl-2282	35	1	first	ORDINAL
cjrl-2282	38	1	second	ORDINAL
cjrl-2282	39	1	vi	PERSON
cjrl-2282	41	1	midnight	TIME
cjrl-2282	41	2	article 3 of the u.c.c	LAW
cjrl-2282	42	1	it.1	ORG
cjrl-2282	43	1	article 3	LAW
cjrl-2282	43	2	two	CARDINAL
cjrl-2282	43	3	two	CARDINAL
cjrl-2282	43	4	three	CARDINAL
cjrl-2282	43	5	3-104	CARDINAL
cjrl-2282	45	1	three	CARDINAL
cjrl-2282	45	2	3-104(f	CARDINAL
cjrl-2282	46	1	1	CARDINAL
cjrl-2282	47	1	3-201	CARDINAL
cjrl-2282	47	2	3-301	CARDINAL
cjrl-2282	47	3	2002	DATE
cjrl-2282	48	1	2	CARDINAL
cjrl-2282	49	1	3-104(a	CARDINAL
cjrl-2282	49	2	3-103(a)(8	CARDINAL
cjrl-2282	49	3	3-103(a)(12	CARDINAL
cjrl-2282	49	4	2002	DATE
cjrl-2282	50	1	3	CARDINAL
cjrl-2282	51	1	4	CARDINAL
cjrl-2282	52	1	3-104(a	CARDINAL
cjrl-2282	52	2	3-103(a)(8	CARDINAL
cjrl-2282	52	3	3-103(a)(12	CARDINAL
cjrl-2282	52	4	2002	DATE
cjrl-2282	53	1	5	CARDINAL
cjrl-2282	53	2	drawee	PERSON
cjrl-2282	53	3	12	CARDINAL
cjrl-2282	54	1	229.2	CARDINAL
cjrl-2282	54	2	6	CARDINAL
cjrl-2282	55	1	3-104(f	CARDINAL
cjrl-2282	55	2	2002	DATE
cjrl-2282	58	1	76	CARDINAL
cjrl-2282	58	2	3	CARDINAL
cjrl-2282	58	3	3:1	CARDINAL
cjrl-2282	59	1	article 3	LAW
cjrl-2282	63	1	3	CARDINAL
cjrl-2282	64	1	three	CARDINAL
cjrl-2282	65	1	article 4 of the u.c.c	LAW
cjrl-2282	66	1	up to two days	DATE
cjrl-2282	67	1	midnight	TIME
cjrl-2282	68	1	midnight	TIME
cjrl-2282	68	2	midnight	TIME
cjrl-2282	69	1	article 4	LAW
cjrl-2282	69	2	midnight	TIME
cjrl-2282	69	3	up to two days	DATE
cjrl-2282	70	1	article 4	LAW
cjrl-2282	71	1	two	CARDINAL
cjrl-2282	71	2	midnight	TIME
cjrl-2282	72	1	first	ORDINAL
cjrl-2282	72	2	midnight of the day	TIME
cjrl-2282	73	1	second	ORDINAL
cjrl-2282	73	2	midnight	TIME
cjrl-2282	73	3	first	ORDINAL
cjrl-2282	73	4	midnight	TIME
cjrl-2282	73	5	the next banking day	DATE
cjrl-2282	74	1	second	ORDINAL
cjrl-2282	74	2	midnight	TIME
cjrl-2282	74	3	8	CARDINAL
cjrl-2282	78	1	1104	DATE
cjrl-2282	78	2	2002	DATE
cjrl-2282	79	1	10	CARDINAL
cjrl-2282	79	2	12	CARDINAL
cjrl-2282	80	1	229.2(k	CARDINAL
cjrl-2282	80	2	2012	DATE
cjrl-2282	82	1	one	CARDINAL
cjrl-2282	84	1	dodd-frank	ORG
cjrl-2282	85	1	dodd-frank wall	PERSON
cjrl-2282	85	2	124	CARDINAL
cjrl-2282	86	1	1376	CARDINAL
cjrl-2282	86	2	111	CARDINAL
cjrl-2282	86	3	1011	CARDINAL
cjrl-2282	86	4	1022	CARDINAL
cjrl-2282	87	1	11	CARDINAL
cjrl-2282	88	1	4-203	CARDINAL
cjrl-2282	88	2	4	CARDINAL
cjrl-2282	88	3	2002	DATE
cjrl-2282	89	1	12	CARDINAL
cjrl-2282	90	1	4-103(a)(10	CARDINAL
cjrl-2282	91	1	13	CARDINAL
cjrl-2282	92	1	4	CARDINAL
cjrl-2282	92	2	14	CARDINAL
cjrl-2282	93	1	4-202	CARDINAL
cjrl-2282	93	2	2013	DATE
cjrl-2282	93	3	77	DATE
cjrl-2282	93	4	midnight	TIME
cjrl-2282	93	5	midnight	TIME
cjrl-2282	93	6	midnight	TIME
cjrl-2282	93	7	midnight	TIME
cjrl-2282	94	1	two	CARDINAL
cjrl-2282	95	1	2x	CARDINAL
cjrl-2282	97	1	two days	DATE
cjrl-2282	97	2	midnight	TIME
cjrl-2282	97	3	midnight	TIME
cjrl-2282	97	4	that day	DATE
cjrl-2282	98	1	two	CARDINAL
cjrl-2282	98	2	federal reserve bank	ORG
cjrl-2282	98	3	drawee	PERSON
cjrl-2282	98	4	midnight	TIME
cjrl-2282	98	5	article 4	LAW
cjrl-2282	98	6	more than ten	CARDINAL
cjrl-2282	100	1	midnight	TIME
cjrl-2282	101	1	the national bank	ORG
cjrl-2282	105	1	one	CARDINAL
cjrl-2282	105	2	the federal reserve bank	ORG
cjrl-2282	107	1	u.s.	GPE
cjrl-2282	109	1	15	CARDINAL
cjrl-2282	111	1	4-105(3)–(5	TIME
cjrl-2282	112	1	17	CARDINAL
cjrl-2282	113	1	4-301–4	CARDINAL
cjrl-2282	113	2	2002	DATE
cjrl-2282	114	1	18	CARDINAL
cjrl-2282	115	1	4-105	CARDINAL
cjrl-2282	115	2	4	CARDINAL
cjrl-2282	115	3	4	CARDINAL
cjrl-2282	115	4	19 2 days	DATE
cjrl-2282	115	5	5	CARDINAL
cjrl-2282	115	6	10 days	DATE
cjrl-2282	116	1	3	CARDINAL
cjrl-2282	116	2	3:1	CARDINAL
cjrl-2282	117	1	congress	ORG
cjrl-2282	119	1	3	CARDINAL
cjrl-2282	119	2	midnight	TIME
cjrl-2282	120	1	congress	ORG
cjrl-2282	120	2	fed	ORG
cjrl-2282	123	1	payday	DATE
cjrl-2282	127	1	payday	DATE
cjrl-2282	127	2	hundreds	CARDINAL
cjrl-2282	127	3	thousands of dollars	MONEY
cjrl-2282	128	1	payday	DATE
cjrl-2282	129	1	millions of dollars	MONEY
cjrl-2282	131	1	3	CARDINAL
cjrl-2282	131	2	4	CARDINAL
cjrl-2282	131	3	1990	DATE
cjrl-2282	131	4	the 1980s	DATE
cjrl-2282	132	1	midnight	TIME
cjrl-2282	133	1	congress	ORG
cjrl-2282	133	2	two	CARDINAL
cjrl-2282	134	1	first	ORDINAL
cjrl-2282	134	2	1987	DATE
cjrl-2282	134	3	20	CARDINAL
cjrl-2282	134	4	fed	ORG
cjrl-2282	134	5	reserve bank	ORG
cjrl-2282	134	6	new york	GPE
cjrl-2282	134	7	april 2007	DATE
cjrl-2282	134	8	http://www.newyorkfed.org/aboutthefed/fedpoint/fed08.html	ORG
cjrl-2282	137	1	21	CARDINAL
cjrl-2282	137	2	weekly	DATE
cjrl-2282	138	1	the federal reserve bank	ORG
cjrl-2282	138	2	new york	GPE
cjrl-2282	139	1	the federal reserve's	ORG
cjrl-2282	140	1	daily	DATE
cjrl-2282	141	1	22	CARDINAL
cjrl-2282	141	2	william warren &	PERSON
cjrl-2282	141	3	steven walt	PERSON
cjrl-2282	141	4	3	CARDINAL
cjrl-2282	141	5	7th	CARDINAL
cjrl-2282	141	6	2007	DATE
cjrl-2282	142	1	23	CARDINAL
cjrl-2282	143	1	167	CARDINAL
cjrl-2282	144	1	2013	DATE
cjrl-2282	144	2	79	DATE
cjrl-2282	145	1	fed	ORG
cjrl-2282	145	2	229	CARDINAL
cjrl-2282	145	3	chapter 12	LAW
cjrl-2282	145	4	12	CARDINAL
cjrl-2282	146	1	229	CARDINAL
cjrl-2282	146	2	second	ORDINAL
cjrl-2282	146	3	the twenty first century	DATE
cjrl-2282	146	4	21	CARDINAL
cjrl-2282	146	5	2004	DATE
cjrl-2282	147	1	first	ORDINAL
cjrl-2282	147	2	two	CARDINAL
cjrl-2282	147	3	the united states	GPE
cjrl-2282	150	1	the days	DATE
cjrl-2282	150	2	the number of days	DATE
cjrl-2282	151	1	first	ORDINAL
cjrl-2282	152	1	bank.27	PERSON
cjrl-2282	153	1	midnight	TIME
cjrl-2282	154	1	24	CARDINAL
cjrl-2282	154	2	12	CARDINAL
cjrl-2282	155	1	4001–4010	CARDINAL
cjrl-2282	155	2	1987	DATE
cjrl-2282	156	1	25	CARDINAL
cjrl-2282	157	1	1987	DATE
cjrl-2282	158	1	august 10, 1987	DATE
cjrl-2282	158	2	601	CARDINAL
cjrl-2282	158	3	august 10, 1987	DATE
cjrl-2282	159	1	26	CARDINAL
cjrl-2282	159	2	12	CARDINAL
cjrl-2282	160	1	229.1(b)(2)–(3)(2012	CARDINAL
cjrl-2282	164	1	27 12	CARDINAL
cjrl-2282	165	1	229	CARDINAL
cjrl-2282	165	2	2012	DATE
cjrl-2282	166	1	28	CARDINAL
cjrl-2282	166	2	warren & walt	ORG
cjrl-2282	166	3	22	CARDINAL
cjrl-2282	166	4	169	CARDINAL
cjrl-2282	166	5	29	CARDINAL
cjrl-2282	166	6	appendix	NORP
cjrl-2282	168	1	thirty days	DATE
cjrl-2282	168	2	more than $5,000	MONEY
cjrl-2282	168	3	one	CARDINAL
cjrl-2282	168	4	up to five	CARDINAL
cjrl-2282	168	5	six days	DATE
cjrl-2282	169	1	12	CARDINAL
cjrl-2282	170	1	229.13	CARDINAL
cjrl-2282	170	2	2012	DATE
cjrl-2282	171	1	80	CARDINAL
cjrl-2282	171	2	3	CARDINAL
cjrl-2282	172	1	3:1	CARDINAL
cjrl-2282	173	1	midnight	TIME
cjrl-2282	174	1	21	CARDINAL
cjrl-2282	174	2	2004	DATE
cjrl-2282	174	3	more than fifteen years	DATE
cjrl-2282	174	4	second	ORDINAL
cjrl-2282	174	5	two	CARDINAL
cjrl-2282	174	6	congress	ORG
cjrl-2282	174	7	the twenty-first century	DATE
cjrl-2282	174	8	21	CARDINAL
cjrl-2282	175	1	21	CARDINAL
cjrl-2282	175	2	fed	ORG
cjrl-2282	176	1	fed	ORG
cjrl-2282	176	2	21	CARDINAL
cjrl-2282	176	3	two	CARDINAL
cjrl-2282	176	4	first	ORDINAL
cjrl-2282	177	1	first	ORDINAL
cjrl-2282	177	2	21	CARDINAL
cjrl-2282	179	1	second	ORDINAL
cjrl-2282	179	2	21	CARDINAL
cjrl-2282	180	1	21	CARDINAL
cjrl-2282	181	1	article 3	LAW
cjrl-2282	181	2	arrangements.33	ORG
cjrl-2282	181	3	21	CARDINAL
cjrl-2282	182	1	check.36	ORG
cjrl-2282	183	1	1	CARDINAL
cjrl-2282	183	2	3	DATE
cjrl-2282	183	3	4	DATE
cjrl-2282	183	4	21	CARDINAL
cjrl-2282	185	1	warren & walt	ORG
cjrl-2282	185	2	22	CARDINAL
cjrl-2282	185	3	168	CARDINAL
cjrl-2282	190	1	midnight	TIME
cjrl-2282	192	1	32	CARDINAL
cjrl-2282	193	1	3-201	CARDINAL
cjrl-2282	193	2	2002	DATE
cjrl-2282	194	1	andrea mcglinn	PERSON
cjrl-2282	194	2	the 21st century	DATE
cjrl-2282	194	3	9	CARDINAL
cjrl-2282	194	4	n.c.	GPE
cjrl-2282	194	5	179	CARDINAL
cjrl-2282	194	6	180	CARDINAL
cjrl-2282	195	1	34	CARDINAL
cjrl-2282	195	2	21	CARDINAL
cjrl-2282	195	3	http://www.eccho.org/history_video	ORG
cjrl-2282	195	4	dec. 2, 2012	DATE
cjrl-2282	196	1	35	CARDINAL
cjrl-2282	196	2	carl felsenfeld	PERSON
cjrl-2282	196	3	genci bilali	PERSON
cjrl-2282	196	4	the 21st century	DATE
cjrl-2282	196	5	u.s.	GPE
cjrl-2282	196	6	85	CARDINAL
cjrl-2282	196	7	l. rev	PERSON
cjrl-2282	196	8	52	CARDINAL
cjrl-2282	196	9	84	DATE
cjrl-2282	196	10	2006	DATE
cjrl-2282	197	1	mcglinn	ORG
cjrl-2282	197	2	33	CARDINAL
cjrl-2282	197	3	181	CARDINAL
cjrl-2282	198	1	37	CARDINAL
cjrl-2282	199	1	81	CARDINAL
cjrl-2282	201	1	21	CARDINAL
cjrl-2282	201	2	one	CARDINAL
cjrl-2282	202	1	midnight	TIME
cjrl-2282	203	1	article 3	LAW
cjrl-2282	204	1	21	CARDINAL
cjrl-2282	205	1	article 4	LAW
cjrl-2282	207	1	21	CARDINAL
cjrl-2282	209	1	midnight	TIME
cjrl-2282	212	1	congress	ORG
cjrl-2282	213	1	fed	ORG
cjrl-2282	214	1	fed	ORG
cjrl-2282	214	2	congress	ORG
cjrl-2282	215	1	21	CARDINAL
cjrl-2282	215	2	2010	DATE
cjrl-2282	215	3	midnight	TIME
cjrl-2282	215	4	3	CARDINAL
cjrl-2282	215	5	4	CARDINAL
cjrl-2282	218	1	38	CARDINAL
cjrl-2282	218	2	felsenfeld & bilali	ORG
cjrl-2282	218	3	35	CARDINAL
cjrl-2282	218	4	91–92	CARDINAL
cjrl-2282	219	1	39	CARDINAL
cjrl-2282	220	1	5001	CARDINAL
cjrl-2282	220	2	2006	DATE
cjrl-2282	221	1	40	CARDINAL
cjrl-2282	221	2	fed	ORG
cjrl-2282	221	3	21	CARDINAL
cjrl-2282	221	4	congress	ORG
cjrl-2282	222	1	82	CARDINAL
cjrl-2282	222	2	3	CARDINAL
cjrl-2282	222	3	3:1	CARDINAL
cjrl-2282	228	1	second	ORDINAL
cjrl-2282	228	2	three	CARDINAL
cjrl-2282	230	1	21	CARDINAL
cjrl-2282	232	1	41	CARDINAL
cjrl-2282	232	2	mid-1950s	DATE
cjrl-2282	232	3	1990	DATE
cjrl-2282	233	1	article 4 and the midnight	LAW
cjrl-2282	234	1	1990 to 2004	DATE
cjrl-2282	234	2	2004	DATE
cjrl-2282	234	3	21	CARDINAL
cjrl-2282	235	1	42	CARDINAL
cjrl-2282	235	2	jeffrey m. lacker	PERSON
cjrl-2282	235	3	83	CARDINAL
cjrl-2282	235	4	fed	ORG
cjrl-2282	235	5	reserve bank	ORG
cjrl-2282	235	6	richmond	GPE
cjrl-2282	236	1	q. 1	PERSON
cjrl-2282	236	2	1–25	CARDINAL
cjrl-2282	236	3	1997	DATE
cjrl-2282	237	1	43	CARDINAL
cjrl-2282	237	2	nov. 25, 2012	DATE
cjrl-2282	237	3	2007	DATE
cjrl-2282	237	4	thirty-nine percent	PERCENT
cjrl-2282	237	5	2012	DATE
cjrl-2282	237	6	nov. 25, 2012	DATE
cjrl-2282	237	7	nearly half	CARDINAL
cjrl-2282	237	8	forty-five percent	PERCENT
cjrl-2282	237	9	less than $50,000	MONEY
cjrl-2282	237	10	monthly	DATE
cjrl-2282	238	1	fifty-two percent	PERCENT
cjrl-2282	239	1	fifty-four percent	PERCENT
cjrl-2282	239	2	2007	DATE
cjrl-2282	239	3	month-to-month	DATE
cjrl-2282	240	1	ctr	GPE
cjrl-2282	241	1	americans	NORP
cjrl-2282	241	2	2007	DATE
cjrl-2282	244	1	over forty percent	PERCENT
cjrl-2282	246	1	payday	DATE
cjrl-2282	246	2	texas	GPE
cjrl-2282	247	1	texas appleseed	ORG
cjrl-2282	247	2	9–12	CARDINAL
cjrl-2282	247	3	ctr	GPE
cjrl-2282	247	4	2012	DATE
cjrl-2282	247	5	2012	DATE
cjrl-2282	247	6	sixty-nine percent	PERCENT
cjrl-2282	247	7	payday	DATE
cjrl-2282	248	1	one	CARDINAL
cjrl-2282	249	1	payday	DATE
cjrl-2282	249	2	chicago	GPE
cjrl-2282	249	3	2013	CARDINAL
cjrl-2282	249	4	83	CARDINAL
cjrl-2282	250	1	fed	ORG
cjrl-2282	251	1	san francisco	GPE
cjrl-2282	252	1	san francisco	GPE
cjrl-2282	254	1	44	CARDINAL
cjrl-2282	254	2	fed	ORG
cjrl-2282	254	3	reserve bank	ORG
cjrl-2282	254	4	new york	GPE
cjrl-2282	254	5	20	CARDINAL
cjrl-2282	255	1	the federal reserve bank	ORG
cjrl-2282	255	2	new york	GPE
cjrl-2282	255	3	the 1970s	DATE
cjrl-2282	256	1	one	CARDINAL
cjrl-2282	256	2	the federal reserve	ORG
cjrl-2282	256	3	the decade	DATE
cjrl-2282	260	1	1973	DATE
cjrl-2282	262	1	$2.7 billion	MONEY
cjrl-2282	262	2	1973	DATE
cjrl-2282	262	3	daily	DATE
cjrl-2282	262	4	$2.1 billion	MONEY
cjrl-2282	262	5	1975	DATE
cjrl-2282	263	1	between 1975 and 1979	DATE
cjrl-2282	263	2	daily	DATE
cjrl-2282	263	3	$6.6 billion	MONEY
cjrl-2282	264	1	early 1979	DATE
cjrl-2282	266	1	daily	DATE
cjrl-2282	266	2	$2.5 billion	MONEY
cjrl-2282	266	3	1982	DATE
cjrl-2282	266	4	about 60 percent	PERCENT
cjrl-2282	266	5	1979	DATE
cjrl-2282	267	1	the federal reserve	ORG
cjrl-2282	267	2	the 1980s	DATE
cjrl-2282	268	1	noon	TIME
cjrl-2282	268	2	1983	DATE
cjrl-2282	270	1	overnight	TIME
cjrl-2282	271	1	1985	DATE
cjrl-2282	271	2	daily	DATE
cjrl-2282	271	3	$820 million	MONEY
cjrl-2282	271	4	almost 90 percent	PERCENT
cjrl-2282	271	5	1979	DATE
cjrl-2282	272	1	$860 million	MONEY
cjrl-2282	272	2	the 1980s	DATE
cjrl-2282	273	1	the 1990s	DATE
cjrl-2282	273	2	the 1990s	DATE
cjrl-2282	274	1	one	CARDINAL
cjrl-2282	274	2	the federal reserve	ORG
cjrl-2282	275	1	the federal reserve	ORG
cjrl-2282	275	2	19	CARDINAL
cjrl-2282	275	3	15.5 billion	MONEY
cjrl-2282	275	4	between 1993 and 1995	DATE
cjrl-2282	276	1	the united states	GPE
cjrl-2282	278	1	the federal reserve	ORG
cjrl-2282	278	2	the 1980s	DATE
cjrl-2282	281	1	the federal reserve	ORG
cjrl-2282	281	2	84	CARDINAL
cjrl-2282	281	3	3	CARDINAL
cjrl-2282	281	4	3:1	CARDINAL
cjrl-2282	281	5	21	CARDINAL
cjrl-2282	281	6	one	CARDINAL
cjrl-2282	282	1	mid-2005	DATE
cjrl-2282	282	2	seven million	CARDINAL
cjrl-2282	282	3	$170 million	MONEY
cjrl-2282	282	4	fees.46	GPE
cjrl-2282	282	5	eight percent	PERCENT
cjrl-2282	285	1	21	CARDINAL
cjrl-2282	285	2	2008	DATE
cjrl-2282	285	3	payday	DATE
cjrl-2282	289	1	congress	ORG
cjrl-2282	289	2	the federal reserve governing board	ORG
cjrl-2282	290	1	congress	ORG
cjrl-2282	290	2	fed	ORG
cjrl-2282	293	1	three	CARDINAL
cjrl-2282	293	2	payday	DATE
cjrl-2282	294	1	only $774 million	MONEY
cjrl-2282	294	2	2000	DATE
cjrl-2282	295	1	45	CARDINAL
cjrl-2282	295	2	paul katzeff	PERSON
cjrl-2282	296	1	daily	DATE
cjrl-2282	296	2	oct. 11, 2004	DATE
cjrl-2282	296	3	mcglinn	GPE
cjrl-2282	296	4	34	CARDINAL
cjrl-2282	296	5	179	CARDINAL
cjrl-2282	296	6	e. budnitz	PERSON
cjrl-2282	296	7	21	CARDINAL
cjrl-2282	296	8	58	CARDINAL
cjrl-2282	297	1	l.q.	GPE
cjrl-2282	297	2	369	CARDINAL
cjrl-2282	297	3	2004	DATE
cjrl-2282	298	1	46	CARDINAL
cjrl-2282	298	2	21	CARDINAL
cjrl-2282	298	3	aug. 24, 2004	DATE
cjrl-2282	299	1	47	CARDINAL
cjrl-2282	299	2	mcglinn	ORG
cjrl-2282	299	3	33	CARDINAL
cjrl-2282	299	4	194	CARDINAL
cjrl-2282	300	1	48	CARDINAL
cjrl-2282	300	2	21	CARDINAL
cjrl-2282	300	3	fed	ORG
cjrl-2282	300	4	#	CARDINAL
cjrl-2282	300	5	may 1, 2012	DATE
cjrl-2282	301	1	2013	DATE
cjrl-2282	301	2	85	DATE
cjrl-2282	303	1	first	ORDINAL
cjrl-2282	304	1	one	CARDINAL
cjrl-2282	304	2	payday	DATE
cjrl-2282	304	3	u.s.	GPE
cjrl-2282	304	4	1990	DATE
cjrl-2282	304	5	the year	DATE
cjrl-2282	305	1	the same period	DATE
cjrl-2282	306	1	payday	DATE
cjrl-2282	306	2	1990	DATE
cjrl-2282	306	3	payday	DATE
cjrl-2282	307	1	payday	DATE
cjrl-2282	307	2	the mid-1990s	DATE
cjrl-2282	308	1	three	CARDINAL
cjrl-2282	308	2	payday	DATE
cjrl-2282	308	3	payday	DATE
cjrl-2282	308	4	three	CARDINAL
cjrl-2282	308	5	first	ORDINAL
cjrl-2282	308	6	payday	DATE
cjrl-2282	308	7	1990	DATE
cjrl-2282	309	1	second	ORDINAL
cjrl-2282	309	2	payday	DATE
cjrl-2282	310	1	payday	DATE
cjrl-2282	311	1	1	CARDINAL
cjrl-2282	311	2	payday	DATE
cjrl-2282	311	3	u.s.	GPE
cjrl-2282	311	4	payday	DATE
cjrl-2282	311	5	early twentieth century	DATE
cjrl-2282	311	6	early payday	DATE
cjrl-2282	313	1	payday	DATE
cjrl-2282	313	2	the 1980s	DATE
cjrl-2282	314	1	two	CARDINAL
cjrl-2282	316	1	49	DATE
cjrl-2282	316	2	payday	DATE
cjrl-2282	316	3	nathalie martin	PERSON
cjrl-2282	316	4	1,000%	PERCENT
cjrl-2282	316	5	payday	DATE
cjrl-2282	316	6	52	CARDINAL
cjrl-2282	317	1	l. rev	PERSON
cjrl-2282	318	1	563	CARDINAL
cjrl-2282	318	2	2010	DATE
cjrl-2282	319	1	chris giangreco	PERSON
cjrl-2282	319	2	andrea kovach	PERSON
cjrl-2282	319	3	matt	PERSON
cjrl-2282	319	4	2	CARDINAL
cjrl-2282	319	5	2010	DATE
cjrl-2282	319	6	paige marti	PERSON
cjrl-2282	319	7	skiba & jeremy tobacman	ORG
cjrl-2282	319	8	payday	DATE
cjrl-2282	320	1	2009	DATE
cjrl-2282	320	2	mary spector	PERSON
cjrl-2282	320	3	payday	DATE
cjrl-2282	320	4	57	CARDINAL
cjrl-2282	320	5	depaul l. rev	PERSON
cjrl-2282	321	1	961	CARDINAL
cjrl-2282	321	2	2008	DATE
cjrl-2282	321	3	ronald j. mann	PERSON
cjrl-2282	321	4	jim hawkins	PERSON
cjrl-2282	321	5	payday	DATE
cjrl-2282	321	6	54	CARDINAL
cjrl-2282	321	7	ucla l. rev	PERSON
cjrl-2282	321	8	855	CARDINAL
cjrl-2282	321	9	2007	DATE
cjrl-2282	321	10	steven m. graves &	PERSON
cjrl-2282	321	11	christopher l. peterson	PERSON
cjrl-2282	321	12	payday	DATE
cjrl-2282	321	13	66	CARDINAL
cjrl-2282	321	14	ohio st.	GPE
cjrl-2282	321	15	653	CARDINAL
cjrl-2282	321	16	2005	DATE
cjrl-2282	321	17	johnson	PERSON
cjrl-2282	321	18	payday	DATE
cjrl-2282	321	19	87	CARDINAL
cjrl-2282	322	1	l. rev	PERSON
cjrl-2282	322	2	1 (2002	DATE
cjrl-2282	323	1	50 one	CARDINAL
cjrl-2282	323	2	payday	DATE
cjrl-2282	324	1	49	DATE
cjrl-2282	324	2	969	CARDINAL
cjrl-2282	325	1	payday	DATE
cjrl-2282	326	1	d.	NORP
cjrl-2282	326	2	51	CARDINAL
cjrl-2282	326	3	aaron huckstep	PERSON
cjrl-2282	326	4	payday	DATE
cjrl-2282	326	5	12	CARDINAL
cjrl-2282	326	6	fordham j. corp. & fin	ORG
cjrl-2282	327	1	203	CARDINAL
cjrl-2282	327	2	204	CARDINAL
cjrl-2282	327	3	2007	DATE
cjrl-2282	328	1	86	CARDINAL
cjrl-2282	328	2	3	CARDINAL
cjrl-2282	329	1	3:1	CARDINAL
cjrl-2282	329	2	the 1990s	DATE
cjrl-2282	330	1	payday	DATE
cjrl-2282	330	2	matures.57	PERSON
cjrl-2282	330	3	an additional two weeks	DATE
cjrl-2282	331	1	payday	DATE
cjrl-2282	332	1	payday	DATE
cjrl-2282	332	2	1990	DATE
cjrl-2282	335	1	payday	DATE
cjrl-2282	337	1	52	CARDINAL
cjrl-2282	337	2	205	CARDINAL
cjrl-2282	338	1	53	CARDINAL
cjrl-2282	338	2	donald p. morgan &	ORG
cjrl-2282	338	3	michael r. strain	PERSON
cjrl-2282	338	4	federal reserve bank	ORG
cjrl-2282	338	5	new york	GPE
cjrl-2282	338	6	payday holiday	DATE
cjrl-2282	338	7	payday	DATE
cjrl-2282	338	8	9 (2008	PERCENT
cjrl-2282	338	9	54	CARDINAL
cjrl-2282	339	1	payday	DATE
cjrl-2282	339	2	fed	ORG
cjrl-2282	340	1	mar. 2008	DATE
cjrl-2282	341	1	payday	DATE
cjrl-2282	341	2	between $200 and $300	MONEY
cjrl-2282	342	1	payday	DATE
cjrl-2282	342	2	2	CARDINAL
cjrl-2282	342	3	dec. 2004	DATE
cjrl-2282	343	1	56	CARDINAL
cjrl-2282	343	2	payday	DATE
cjrl-2282	343	3	55	CARDINAL
cjrl-2282	344	1	57	CARDINAL
cjrl-2282	346	1	55	CARDINAL
cjrl-2282	346	2	two	CARDINAL
cjrl-2282	347	1	60	CARDINAL
cjrl-2282	347	2	los angeles	GPE
cjrl-2282	347	3	11	CARDINAL
cjrl-2282	347	4	2010	DATE
cjrl-2282	347	5	forty-four percent	PERCENT
cjrl-2282	347	6	eighteen percent	PERCENT
cjrl-2282	347	7	los angeles	GPE
cjrl-2282	349	1	nov. 25, 2012	DATE
cjrl-2282	350	1	2008	DATE
cjrl-2282	350	2	fifty-two percent	PERCENT
cjrl-2282	350	3	fifty-three percent	PERCENT
cjrl-2282	351	1	2012	DATE
cjrl-2282	351	2	at least twenty-one days	CARDINAL
cjrl-2282	351	3	twenty-nine percent	PERCENT
cjrl-2282	352	1	2013 columbia	PERCENT
cjrl-2282	352	2	87	CARDINAL
cjrl-2282	352	3	payday	DATE
cjrl-2282	353	1	payday	DATE
cjrl-2282	353	2	payday	DATE
cjrl-2282	354	1	payday	DATE
cjrl-2282	355	1	payday	DATE
cjrl-2282	356	1	american	NORP
cjrl-2282	358	1	payday	DATE
cjrl-2282	358	2	more than 4800%	PERCENT
cjrl-2282	358	3	1997	DATE
cjrl-2282	358	4	the years	DATE
cjrl-2282	358	5	reg	CARDINAL
cjrl-2282	359	1	cc.63	ORG
cjrl-2282	359	2	61	CARDINAL
cjrl-2282	359	3	int’l	NORP
cjrl-2282	359	4	apr. 2003	DATE
cjrl-2282	359	5	int’l	NORP
cjrl-2282	359	6	mar. 2008	DATE
cjrl-2282	359	7	int’l	NORP
cjrl-2282	359	8	sept. 2012	DATE
cjrl-2282	359	9	nat’l people’s	GPE
cjrl-2282	359	10	jan. 2012	DATE
cjrl-2282	359	11	robin a. prager	PERSON
cjrl-2282	359	12	payday	DATE
cjrl-2282	359	13	fed	ORG
cjrl-2282	359	14	jun. 2009	DATE
cjrl-2282	359	15	millions	CARDINAL
cjrl-2282	359	16	payday	DATE
cjrl-2282	359	17	thousands) 1997 46,569.4	DATE
cjrl-2282	359	18	1998	DATE
cjrl-2282	359	19	45169.7	CARDINAL
cjrl-2282	359	20	8500 2001	DATE
cjrl-2282	360	1	12000 2002 38,821.2	DATE
cjrl-2282	360	2	14000 2003	DATE
cjrl-2282	361	1	21,000 2005	DATE
cjrl-2282	361	2	22000 2006 30,557.4	DATE
cjrl-2282	361	3	23,000	CARDINAL
cjrl-2282	361	4	27,955.4	DATE
cjrl-2282	361	5	24,464.9	DATE
cjrl-2282	361	6	22,838.6	MONEY
cjrl-2282	361	7	19700 2011	DATE
cjrl-2282	361	8	21,276.9 approximately 20000	QUANTITY
cjrl-2282	361	9	payday	DATE
cjrl-2282	361	10	around 2007	DATE
cjrl-2282	361	11	payday	DATE
cjrl-2282	362	1	62	CARDINAL
cjrl-2282	364	1	charles a. bruch	PERSON
cjrl-2282	364	2	payday	DATE
cjrl-2282	364	3	69	CARDINAL
cjrl-2282	364	4	cin l. rev	PERSON
cjrl-2282	364	5	1257	CARDINAL
cjrl-2282	364	6	1268–69	DATE
cjrl-2282	364	7	2001	DATE
cjrl-2282	365	1	fdic	ORG
cjrl-2282	365	2	thirty-one	CARDINAL
cjrl-2282	367	1	up to	DATE
cjrl-2282	367	2	three years	DATE
cjrl-2282	368	1	payday	DATE
cjrl-2282	369	1	payday	DATE
cjrl-2282	371	1	mark davis	PERSON
cjrl-2282	371	2	kansas city	GPE
cjrl-2282	371	3	may 11, 2008	DATE
cjrl-2282	372	1	63	CARDINAL
cjrl-2282	372	2	federal reserve board	ORG
cjrl-2282	372	3	2007	DATE
cjrl-2282	372	4	federal reserve payments study	ORG
cjrl-2282	372	5	2007	DATE
cjrl-2282	373	1	88	CARDINAL
cjrl-2282	373	2	3	CARDINAL
cjrl-2282	374	1	3:1	CARDINAL
cjrl-2282	374	2	payday	DATE
cjrl-2282	375	1	payday	DATE
cjrl-2282	375	2	payday	DATE
cjrl-2282	375	3	eight	CARDINAL
cjrl-2282	375	4	twelve	CARDINAL
cjrl-2282	375	5	payday	DATE
cjrl-2282	375	6	three	CARDINAL
cjrl-2282	376	1	first	ORDINAL
cjrl-2282	377	1	payday	DATE
cjrl-2282	378	1	payday	DATE
cjrl-2282	379	1	payday	DATE
cjrl-2282	380	1	ten million	CARDINAL
cjrl-2282	380	2	payday	DATE
cjrl-2282	380	3	payday	DATE
cjrl-2282	381	1	payday	DATE
cjrl-2282	381	2	forty years old	DATE
cjrl-2282	381	3	between $30,000 and $40,000	MONEY
cjrl-2282	381	4	annually	DATE
cjrl-2282	382	1	half	CARDINAL
cjrl-2282	382	2	between $25,000 and $50,000.68 twenty percent	MONEY
cjrl-2282	382	3	more than half	CARDINAL
cjrl-2282	382	4	ninety-four percent	PERCENT
cjrl-2282	383	1	payday	DATE
cjrl-2282	383	2	payday	DATE
cjrl-2282	383	3	2011	DATE
cjrl-2282	383	4	payday	DATE
cjrl-2282	383	5	north carolina	GPE
cjrl-2282	383	6	three	CARDINAL
cjrl-2282	383	7	payday	DATE
cjrl-2282	383	8	african american	NORP
cjrl-2282	384	1	washington	GPE
cjrl-2282	386	1	african american	NORP
cjrl-2282	387	1	california	GPE
cjrl-2282	387	2	eight	CARDINAL
cjrl-2282	387	3	african american	NORP
cjrl-2282	387	4	latino	NORP
cjrl-2282	389	1	denver	GPE
cjrl-2282	389	2	30,000	MONEY
cjrl-2282	389	3	one	CARDINAL
cjrl-2282	389	4	3,196	CARDINAL
cjrl-2282	389	5	64	CARDINAL
cjrl-2282	389	6	richard j. thomas	PERSON
cjrl-2282	389	7	payday	DATE
cjrl-2282	389	8	48	CARDINAL
cjrl-2282	389	9	mary l. rev	PERSON
cjrl-2282	389	10	2401	CARDINAL
cjrl-2282	389	11	2403	DATE
cjrl-2282	389	12	2007	DATE
cjrl-2282	390	1	65	CARDINAL
cjrl-2282	391	1	around 2007	DATE
cjrl-2282	392	1	jim puzzanghera	PERSON
cjrl-2282	392	2	payday	DATE
cjrl-2282	392	3	l.a. times	ORG
cjrl-2282	392	4	mar. 11, 2012	DATE
cjrl-2282	393	1	66	CARDINAL
cjrl-2282	394	1	payday	DATE
cjrl-2282	394	2	10 (2005	DATE
cjrl-2282	395	1	67	CARDINAL
cjrl-2282	395	2	paige merta	PERSON
cjrl-2282	395	3	skiba & jeremy	ORG
cjrl-2282	395	4	payday	DATE
cjrl-2282	395	5	berkeley	GPE
cjrl-2282	395	6	2006	DATE
cjrl-2282	395	7	http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1319751	DATE
cjrl-2282	396	1	68	CARDINAL
cjrl-2282	396	2	gregory elliehausen & edward c. lawrence	ORG
cjrl-2282	396	3	mcdonough school of business	ORG
cjrl-2282	396	4	georgetown univ.	ORG
cjrl-2282	396	5	payday	DATE
cjrl-2282	396	6	america	GPE
cjrl-2282	396	7	28	CARDINAL
cjrl-2282	397	1	69	CARDINAL
cjrl-2282	397	2	skiba & tobacman	ORG
cjrl-2282	397	3	67	CARDINAL
cjrl-2282	397	4	2013	DATE
cjrl-2282	397	5	89	CARDINAL
cjrl-2282	397	6	one	CARDINAL
cjrl-2282	397	7	27,416	CARDINAL
cjrl-2282	397	8	between $90,000 and $120,000.70	MONEY
cjrl-2282	398	1	one	CARDINAL
cjrl-2282	398	2	2009	DATE
cjrl-2282	398	3	payday	DATE
cjrl-2282	398	4	texas	GPE
cjrl-2282	398	5	fifty-nine percent	PERCENT
cjrl-2282	398	6	forty percent	PERCENT
cjrl-2282	398	7	women.71	GPE
cjrl-2282	398	8	forty-four percent	PERCENT
cjrl-2282	398	9	thirty percent	PERCENT
cjrl-2282	398	10	african	NORP
cjrl-2282	398	11	2012	DATE
cjrl-2282	398	12	african americans	NORP
cjrl-2282	398	13	payday	DATE
cjrl-2282	398	14	african americans	NORP
cjrl-2282	398	15	twenty-three percent	PERCENT
cjrl-2282	398	16	payday	DATE
cjrl-2282	398	17	only twelve percent	PERCENT
cjrl-2282	398	18	sixteen percent	PERCENT
cjrl-2282	398	19	fourteen percent	PERCENT
cjrl-2282	398	20	payday	DATE
cjrl-2282	398	21	payday loans.76 2	DATE
cjrl-2282	399	1	payday	DATE
cjrl-2282	399	2	payday	DATE
cjrl-2282	400	1	2007	DATE
cjrl-2282	400	2	bill harrod	PERSON
cjrl-2282	400	3	ohio	GPE
cjrl-2282	400	4	payday	DATE
cjrl-2282	402	1	harrod	PERSON
cjrl-2282	402	2	african american	NORP
cjrl-2282	402	3	communities	LOC
cjrl-2282	403	1	ohio	GPE
cjrl-2282	403	2	maryland	GPE
cjrl-2282	403	3	harrod	PERSON
cjrl-2282	403	4	african american	NORP
cjrl-2282	403	5	baptist	GPE
cjrl-2282	404	1	800	MONEY
cjrl-2282	405	1	payday	DATE
cjrl-2282	408	1	70	CARDINAL
cjrl-2282	408	2	e. kubrin et al.	PERSON
cjrl-2282	409	1	payday	DATE
cjrl-2282	409	2	10	CARDINAL
cjrl-2282	410	1	439	CARDINAL
cjrl-2282	410	2	2011	DATE
cjrl-2282	411	1	71	CARDINAL
cjrl-2282	411	2	43	CARDINAL
cjrl-2282	411	3	15	CARDINAL
cjrl-2282	412	1	16	CARDINAL
cjrl-2282	413	1	73	CARDINAL
cjrl-2282	414	1	43	CARDINAL
cjrl-2282	414	2	13	CARDINAL
cjrl-2282	414	3	74	CARDINAL
cjrl-2282	415	1	35	DATE
cjrl-2282	416	1	75 id	DATE
cjrl-2282	416	2	kubrin et al	LOC
cjrl-2282	416	3	70	CARDINAL
cjrl-2282	417	1	76	CARDINAL
cjrl-2282	417	2	steven m. graves &	PERSON
cjrl-2282	417	3	christopher l. peterson	PERSON
cjrl-2282	417	4	payday	DATE
cjrl-2282	418	1	66	CARDINAL
cjrl-2282	418	2	ohio st.	GPE
cjrl-2282	418	3	653	CARDINAL
cjrl-2282	418	4	2005	DATE
cjrl-2282	419	1	77	CARDINAL
cjrl-2282	419	2	ohio	GPE
cjrl-2282	419	3	payday	DATE
cjrl-2282	419	4	much more 1	CARDINAL
cjrl-2282	419	5	sept. 11, 2007	DATE
cjrl-2282	423	1	4	CARDINAL
cjrl-2282	423	2	90	CARDINAL
cjrl-2282	423	3	3	CARDINAL
cjrl-2282	423	4	3:1	CARDINAL
cjrl-2282	423	5	creola johnson	PERSON
cjrl-2282	423	6	four	CARDINAL
cjrl-2282	423	7	color.81	GPE
cjrl-2282	423	8	first	ORDINAL
cjrl-2282	423	9	african american	NORP
cjrl-2282	423	10	targeting.82	GPE
cjrl-2282	423	11	second	ORDINAL
cjrl-2282	423	12	african american	NORP
cjrl-2282	423	13	african american	NORP
cjrl-2282	424	1	third	ORDINAL
cjrl-2282	424	2	fourth	ORDINAL
cjrl-2282	424	3	payday	DATE
cjrl-2282	424	4	payday	DATE
cjrl-2282	424	5	payday	DATE
cjrl-2282	424	6	payday	DATE
cjrl-2282	424	7	payday	DATE
cjrl-2282	424	8	non-minorities.87	ORG
cjrl-2282	424	9	african american	NORP
cjrl-2282	424	10	payday	DATE
cjrl-2282	425	1	one	CARDINAL
cjrl-2282	425	2	payday	DATE
cjrl-2282	425	3	california	GPE
cjrl-2282	425	4	payday	DATE
cjrl-2282	425	5	$247 million	MONEY
cjrl-2282	425	6	annually	DATE
cjrl-2282	425	7	communities.89	PERSON
cjrl-2282	425	8	payday	DATE
cjrl-2282	425	9	$3.1 billion	MONEY
cjrl-2282	425	10	consumers.90	ORG
cjrl-2282	427	1	payday	DATE
cjrl-2282	428	1	3	CARDINAL
cjrl-2282	428	2	payday	DATE
cjrl-2282	428	3	bankruptcy 81	CARDINAL
cjrl-2282	428	4	johnson	PERSON
cjrl-2282	428	5	17 geo	QUANTITY
cjrl-2282	429	1	j. poverty law &	ORG
cjrl-2282	429	2	165	CARDINAL
cjrl-2282	429	3	168	CARDINAL
cjrl-2282	429	4	2010	DATE
cjrl-2282	430	1	82	CARDINAL
cjrl-2282	431	1	171	CARDINAL
cjrl-2282	432	1	83	CARDINAL
cjrl-2282	432	2	johnson	PERSON
cjrl-2282	432	3	81	CARDINAL
cjrl-2282	432	4	174–75	DATE
cjrl-2282	432	5	84	CARDINAL
cjrl-2282	433	1	175–76	DATE
cjrl-2282	433	2	85	CARDINAL
cjrl-2282	435	1	johnson	PERSON
cjrl-2282	435	2	81	CARDINAL
cjrl-2282	435	3	186–88	CARDINAL
cjrl-2282	436	1	88	CARDINAL
cjrl-2282	436	2	ethan cohen-cole	PERSON
cjrl-2282	436	3	2009	DATE
cjrl-2282	436	4	world war ii	EVENT
cjrl-2282	438	1	america	GPE
cjrl-2282	438	2	first	ORDINAL
cjrl-2282	438	3	african americans	NORP
cjrl-2282	439	1	march 3, 1865	DATE
cjrl-2282	439	2	90	CARDINAL
cjrl-2282	439	3	13	CARDINAL
cjrl-2282	440	1	507	CARDINAL
cjrl-2282	441	1	american	NORP
cjrl-2282	441	2	millions of dollars	MONEY
cjrl-2282	442	1	89 wei li et al	QUANTITY
cjrl-2282	442	2	payday	DATE
cjrl-2282	442	3	california	GPE
cjrl-2282	442	4	mar. 26, 2009	DATE
cjrl-2282	443	1	90	CARDINAL
cjrl-2282	443	2	nat’l people’s	GPE
cjrl-2282	443	3	jan. 2012	DATE
cjrl-2282	443	4	2013	DATE
cjrl-2282	443	5	91	CARDINAL
cjrl-2282	443	6	payday	DATE
cjrl-2282	444	1	payday	DATE
cjrl-2282	445	1	cameron blakely	PERSON
cjrl-2282	445	2	payday	DATE
cjrl-2282	445	3	washington	GPE
cjrl-2282	445	4	d.c.	GPE
cjrl-2282	445	5	payday	DATE
cjrl-2282	445	6	payday	DATE
cjrl-2282	450	1	payday	DATE
cjrl-2282	453	1	payday	DATE
cjrl-2282	455	1	payday	DATE
cjrl-2282	456	1	one	CARDINAL
cjrl-2282	457	1	payday	DATE
cjrl-2282	457	2	payday	DATE
cjrl-2282	458	1	payday	DATE
cjrl-2282	459	1	2001	DATE
cjrl-2282	459	2	15.4%	PERCENT
cjrl-2282	459	3	payday	DATE
cjrl-2282	459	4	only 3.7%	PERCENT
cjrl-2282	459	5	sixty percent	PERCENT
cjrl-2282	459	6	payday	DATE
cjrl-2282	459	7	new mexico	GPE
cjrl-2282	459	8	eighteen percent	PERCENT
cjrl-2282	459	9	payday	DATE
cjrl-2282	459	10	payday	DATE
cjrl-2282	460	1	payday	DATE
cjrl-2282	460	2	91	CARDINAL
cjrl-2282	460	3	nov. 2012	DATE
cjrl-2282	460	4	payday	DATE
cjrl-2282	460	5	next payday	DATE
cjrl-2282	461	1	92	CARDINAL
cjrl-2282	461	2	ohio	GPE
cjrl-2282	461	3	77	DATE
cjrl-2282	461	4	3	CARDINAL
cjrl-2282	461	5	blakely	PERSON
cjrl-2282	461	6	nearly $15,000	MONEY
cjrl-2282	461	7	900	MONEY
cjrl-2282	462	1	15,000	MONEY
cjrl-2282	463	1	payday	DATE
cjrl-2282	464	1	payday	DATE
cjrl-2282	464	2	multi-billion dollar	MONEY
cjrl-2282	467	1	nathalie martin	PERSON
cjrl-2282	467	2	supra	PERSON
cjrl-2282	467	3	49	DATE
cjrl-2282	467	4	599	CARDINAL
cjrl-2282	467	5	94	CARDINAL
cjrl-2282	467	6	elliehausen & lawrence	ORG
cjrl-2282	467	7	supra	PERSON
cjrl-2282	467	8	68	CARDINAL
cjrl-2282	467	9	95	CARDINAL
cjrl-2282	469	1	d.	NORP
cjrl-2282	469	2	97	CARDINAL
cjrl-2282	469	3	nathalie martin & koo	PERSON
cjrl-2282	469	4	payday	DATE
cjrl-2282	469	5	39	CARDINAL
cjrl-2282	470	1	l. rev	PERSON
cjrl-2282	470	2	785	CARDINAL
cjrl-2282	470	3	803	CARDINAL
cjrl-2282	470	4	2010	DATE
cjrl-2282	471	1	92	CARDINAL
cjrl-2282	471	2	3	CARDINAL
cjrl-2282	472	1	3:1	CARDINAL
cjrl-2282	472	2	payday	DATE
cjrl-2282	473	1	payday	DATE
cjrl-2282	474	1	payday	DATE
cjrl-2282	475	1	1990	DATE
cjrl-2282	476	1	1990	DATE
cjrl-2282	477	1	1990	DATE
cjrl-2282	477	2	122 million	CARDINAL
cjrl-2282	477	3	the united states	GPE
cjrl-2282	477	4	1.012 billion	MONEY
cjrl-2282	477	5	$466 billion	MONEY
cjrl-2282	477	6	243	MONEY
cjrl-2282	477	7	1997	DATE
cjrl-2282	477	8	approximately $526	MONEY
cjrl-2282	477	9	three years later	DATE
cjrl-2282	477	10	2000	DATE
cjrl-2282	477	11	159 million	CARDINAL
cjrl-2282	477	12	1.425 billion	CARDINAL
cjrl-2282	477	13	circulation;101	GPE
cjrl-2282	477	14	$1.242 trillion	MONEY
cjrl-2282	477	15	680	MONEY
cjrl-2282	477	16	eight years	DATE
cjrl-2282	477	17	2008	DATE
cjrl-2282	477	18	176 million	CARDINAL
cjrl-2282	477	19	1.493 billion	MONEY
cjrl-2282	477	20	$2.153 trillion	MONEY
cjrl-2282	477	21	976	MONEY
cjrl-2282	477	22	the census bureau	ORG
cjrl-2282	477	23	2011	DATE
cjrl-2282	477	24	183 million	CARDINAL
cjrl-2282	477	25	1.278 billion	CARDINAL
cjrl-2282	477	26	2011	DATE
cjrl-2282	477	27	$2.044 trillion	MONEY
cjrl-2282	477	28	897	MONEY
cjrl-2282	478	1	first	ORDINAL
cjrl-2282	478	2	payday	DATE
cjrl-2282	479	1	first	ORDINAL
cjrl-2282	479	2	98	CARDINAL
cjrl-2282	479	3	u.s.	GPE
cjrl-2282	479	4	nov. 25, 2012	DATE
cjrl-2282	479	5	99	CARDINAL
cjrl-2282	480	1	100	CARDINAL
cjrl-2282	480	2	american bankruptcy institute	ORG
cjrl-2282	480	3	dec. 9, 2012	DATE
cjrl-2282	481	1	101	CARDINAL
cjrl-2282	481	2	the united states	GPE
cjrl-2282	481	3	2011	DATE
cjrl-2282	481	4	u.s.	GPE
cjrl-2282	481	5	nov. 25, 2012	DATE
cjrl-2282	482	1	102	CARDINAL
cjrl-2282	487	1	the census bureau	ORG
cjrl-2282	487	2	160 million	CARDINAL
cjrl-2282	487	3	2012	DATE
cjrl-2282	487	4	$870 billion	MONEY
cjrl-2282	488	1	u.s.	GPE
cjrl-2282	488	2	107	CARDINAL
cjrl-2282	488	3	david s. evans	PERSON
cjrl-2282	488	4	2	CARDINAL
cjrl-2282	489	1	rev	PERSON
cjrl-2282	489	2	59	CARDINAL
cjrl-2282	489	3	64	DATE
cjrl-2282	489	4	2004	DATE
cjrl-2282	491	1	108	CARDINAL
cjrl-2282	491	2	93	CARDINAL
cjrl-2282	491	3	one	CARDINAL
cjrl-2282	491	4	2009	DATE
cjrl-2282	491	5	45 day	DATE
cjrl-2282	492	1	congress	ORG
cjrl-2282	492	2	2005	DATE
cjrl-2282	494	1	congress	ORG
cjrl-2282	494	2	2005	DATE
cjrl-2282	494	3	chapter seven	LAW
cjrl-2282	495	1	one	CARDINAL
cjrl-2282	495	2	109	CARDINAL
cjrl-2282	495	3	eric a. zacks	PERSON
cjrl-2282	496	1	78	CARDINAL
cjrl-2282	497	1	l. rev	PERSON
cjrl-2282	497	2	1471	CARDINAL
cjrl-2282	497	3	1474	CARDINAL
cjrl-2282	497	4	2010	DATE
cjrl-2282	497	5	mo zhang	PERSON
cjrl-2282	497	6	41	CARDINAL
cjrl-2282	497	7	akron l. rev	PERSON
cjrl-2282	497	8	123, 123–24 (	DATE
cjrl-2282	497	9	2008	DATE
cjrl-2282	498	1	110	CARDINAL
cjrl-2282	498	2	zacks	ORG
cjrl-2282	498	3	109	CARDINAL
cjrl-2282	498	4	1477–78	DATE
cjrl-2282	498	5	111	CARDINAL
cjrl-2282	499	1	one	CARDINAL
cjrl-2282	499	2	congress	ORG
cjrl-2282	499	3	2009	DATE
cjrl-2282	500	1	one year	DATE
cjrl-2282	500	2	45 days	DATE
cjrl-2282	501	1	feb. 22	DATE
cjrl-2282	501	2	federal reserve board	ORG
cjrl-2282	501	3	mar. 2010	DATE
cjrl-2282	502	1	113	CARDINAL
cjrl-2282	503	1	109-31(i	CARDINAL
cjrl-2282	503	2	2 (2005	DATE
cjrl-2282	504	1	115	CARDINAL
cjrl-2282	504	2	apr. 21, 2005	DATE
cjrl-2282	505	1	116	CARDINAL
cjrl-2282	507	1	2	CARDINAL
cjrl-2282	507	2	118	CARDINAL
cjrl-2282	507	3	43	CARDINAL
cjrl-2282	508	1	119	CARDINAL
cjrl-2282	510	1	jennifer wheary & tamara draut	ORG
cjrl-2282	511	1	1	CARDINAL
cjrl-2282	511	2	nov. 25, 2012	DATE
cjrl-2282	513	1	94	CARDINAL
cjrl-2282	513	2	3	CARDINAL
cjrl-2282	514	1	3:1	CARDINAL
cjrl-2282	514	2	twenty percent	PERCENT
cjrl-2282	514	3	african americans	NORP
cjrl-2282	514	4	twenty percent	PERCENT
cjrl-2282	517	1	1991	DATE
cjrl-2282	517	2	282,000	CARDINAL
cjrl-2282	517	3	u.s.	GPE
cjrl-2282	518	1	1997.127 in 1997	DATE
cjrl-2282	518	2	433,000,128	CARDINAL
cjrl-2282	518	3	1998	DATE
cjrl-2282	518	4	753,000	CARDINAL
cjrl-2282	519	1	2000	DATE
cjrl-2282	519	2	1,272,000	CARDINAL
cjrl-2282	519	3	early 2010	DATE
cjrl-2282	519	4	5.4 million	CARDINAL
cjrl-2282	521	1	120	CARDINAL
cjrl-2282	521	2	6	CARDINAL
cjrl-2282	521	3	121	CARDINAL
cjrl-2282	523	1	nov. 25, 2012	DATE
cjrl-2282	524	1	124	CARDINAL
cjrl-2282	525	1	126	CARDINAL
cjrl-2282	525	2	u.s.	GPE
cjrl-2282	525	3	sept. 2007	DATE
cjrl-2282	526	1	127	CARDINAL
cjrl-2282	529	1	paul calem et al	PERSON
cjrl-2282	529	2	2011	DATE
cjrl-2282	530	1	131	CARDINAL
cjrl-2282	530	2	marc eisenson & nancy	PERSON
cjrl-2282	530	3	oct. 21, 2012	DATE
cjrl-2282	531	1	132	CARDINAL
cjrl-2282	531	2	140–41	DATE
cjrl-2282	533	1	rebecca n. morrow	PERSON
cjrl-2282	533	2	billions	CARDINAL
cjrl-2282	533	3	17	CARDINAL
cjrl-2282	533	4	fordham j. corp. & fin	ORG
cjrl-2282	534	1	l. 751	PERSON
cjrl-2282	534	2	795	CARDINAL
cjrl-2282	534	3	2012	DATE
cjrl-2282	534	4	rashmi dyal-chand	PERSON
cjrl-2282	534	5	39	CARDINAL
cjrl-2282	534	6	rutgers l.j. 59,	PERSON
cjrl-2282	534	7	75	DATE
cjrl-2282	534	8	2007	DATE
cjrl-2282	534	9	2001	DATE
cjrl-2282	534	10	810,000	CARDINAL
cjrl-2282	534	11	4.3 million	CARDINAL
cjrl-2282	534	12	americans	NORP
cjrl-2282	535	1	133	CARDINAL
cjrl-2282	535	2	fed	ORG
cjrl-2282	535	3	apr. 8, 2008	DATE
cjrl-2282	535	4	2013	DATE
cjrl-2282	535	5	95	CARDINAL
cjrl-2282	537	1	2008	DATE
cjrl-2282	539	1	payday	DATE
cjrl-2282	541	1	two	CARDINAL
cjrl-2282	542	1	first	ORDINAL
cjrl-2282	543	1	congress	ORG
cjrl-2282	544	1	134	CARDINAL
cjrl-2282	547	1	d.	NORP
cjrl-2282	547	2	carolyn bigda	PERSON
cjrl-2282	547	3	cnn	ORG
cjrl-2282	547	4	oct. 21, 2012	DATE
cjrl-2282	548	1	139	CARDINAL
cjrl-2282	548	2	eisenson & castleman	ORG
cjrl-2282	548	3	131	CARDINAL
cjrl-2282	548	4	140	CARDINAL
cjrl-2282	550	1	141	CARDINAL
cjrl-2282	550	2	europe	LOC
cjrl-2282	551	1	european	NORP
cjrl-2282	552	1	the end of the month	DATE
cjrl-2282	554	1	finland	GPE
cjrl-2282	554	2	2001	DATE
cjrl-2282	556	1	john kelly & aisling reilly	PERSON
cjrl-2282	556	2	ireland	GPE
cjrl-2282	556	3	1 (2005	DATE
cjrl-2282	556	4	bush	PERSON
cjrl-2282	557	1	our 21st century	DATE
cjrl-2282	557	2	20th century	DATE
cjrl-2282	558	1	eamonn k. moran	PERSON
cjrl-2282	558	2	13	CARDINAL
cjrl-2282	558	3	n.c.	GPE
cjrl-2282	559	1	5	CARDINAL
cjrl-2282	559	2	57	DATE
cjrl-2282	559	3	2009	DATE
cjrl-2282	560	1	96	CARDINAL
cjrl-2282	560	2	3	CARDINAL
cjrl-2282	560	3	3:1	CARDINAL
cjrl-2282	567	1	payday	DATE
cjrl-2282	568	1	second	ORDINAL
cjrl-2282	568	2	two	CARDINAL
cjrl-2282	568	3	one	CARDINAL
cjrl-2282	568	4	second	ORDINAL
cjrl-2282	570	1	payday	DATE
cjrl-2282	572	1	today	DATE
cjrl-2282	572	2	142	CARDINAL
cjrl-2282	573	1	143	CARDINAL
cjrl-2282	573	2	several days	DATE
cjrl-2282	574	1	seven to twenty days	DATE
cjrl-2282	575	1	appendix	NORP
cjrl-2282	575	2	two	CARDINAL
cjrl-2282	575	3	one	CARDINAL
cjrl-2282	575	4	article 4	LAW
cjrl-2282	575	5	2013	DATE
cjrl-2282	575	6	two	CARDINAL
cjrl-2282	580	1	one	CARDINAL
cjrl-2282	582	1	first	ORDINAL
cjrl-2282	587	1	today	DATE
cjrl-2282	589	1	first	ORDINAL
cjrl-2282	590	1	micr	ORG
cjrl-2282	591	1	micr	ORG
cjrl-2282	591	2	american banking association	ORG
cjrl-2282	593	1	micr	ORG
cjrl-2282	594	1	144	CARDINAL
cjrl-2282	594	2	e.f.a.a	GPE
cjrl-2282	594	3	24	CARDINAL
cjrl-2282	594	4	98	CARDINAL
cjrl-2282	594	5	3	CARDINAL
cjrl-2282	594	6	3:1	CARDINAL
cjrl-2282	594	7	today	DATE
cjrl-2282	594	8	today	DATE
cjrl-2282	594	9	two weeks	DATE
cjrl-2282	594	10	today	DATE
cjrl-2282	594	11	two weeks	DATE
cjrl-2282	595	1	micr	ORG
cjrl-2282	598	1	$15 to $40	MONEY
cjrl-2282	599	1	$32.6 billion	MONEY
cjrl-2282	599	2	2003.145	CARDINAL
cjrl-2282	602	1	second	ORDINAL
cjrl-2282	603	1	vii	PERSON
cjrl-2282	604	1	less than two weeks	DATE
cjrl-2282	604	2	one week	DATE
cjrl-2282	611	1	the federal reserve governing board	ORG
cjrl-2282	614	1	article 3.	LAW
cjrl-2282	615	1	article 3	LAW
cjrl-2282	616	1	145	CARDINAL
cjrl-2282	616	2	thomas p. lehman	PERSON
cjrl-2282	616	3	payday	DATE
cjrl-2282	616	4	nov. 25, 2012	DATE
cjrl-2282	617	1	2013	DATE
cjrl-2282	617	2	99	CARDINAL
cjrl-2282	618	1	u.s.	GPE
cjrl-2282	620	1	payday	DATE
cjrl-2282	620	2	the united states	GPE
cjrl-2282	620	3	two weeks	DATE
cjrl-2282	621	1	the united states	GPE
cjrl-2282	621	2	payday	DATE
cjrl-2282	623	1	first	ORDINAL
cjrl-2282	627	1	the federal reserve governing board	ORG
cjrl-2282	630	1	u.s.	GPE
cjrl-2282	632	1	payday	DATE
cjrl-2282	633	1	second	ORDINAL
cjrl-2282	635	1	100	CARDINAL
cjrl-2282	635	2	3	CARDINAL
cjrl-2282	635	3	3:1	CARDINAL
cjrl-2282	635	4	2013	DATE
cjrl-2282	635	5	101	CARDINAL
cjrl-2282	635	6	102	CARDINAL
cjrl-2282	635	7	3	CARDINAL
cjrl-2282	635	8	3:1	CARDINAL