id	sid	tid	token	lemma	pos
ajceb-1884	1	1	2	2	NUM
ajceb-1884	1	2	viewpoint	viewpoint	VERB
ajceb-1884	1	3	an	an	DET
ajceb-1884	1	4	investigation	investigation	NOUN
ajceb-1884	1	5	into	into	ADP
ajceb-1884	1	6	the	the	DET
ajceb-1884	1	7	fundamental	fundamental	ADJ
ajceb-1884	1	8	drivers	driver	NOUN
ajceb-1884	1	9	of	of	ADP
ajceb-1884	1	10	pricing	pricing	NOUN
ajceb-1884	1	11	of	of	ADP
ajceb-1884	1	12	residential	residential	ADJ
ajceb-1884	1	13	mortgage	mortgage	NOUN
ajceb-1884	1	14	products	product	NOUN
ajceb-1884	1	15	–	–	PUNCT
ajceb-1884	1	16	a	a	DET
ajceb-1884	1	17	risk	risk	NOUN
ajceb-1884	1	18	pricing	pricing	NOUN
ajceb-1884	1	19	viewpoint	viewpoint	NOUN
ajceb-1884	1	20	dr	dr	PROPN
ajceb-1884	1	21	harry	harry	PROPN
ajceb-1884	1	22	m.	m.	PROPN
ajceb-1884	1	23	karamujic	karamujic	PROPN
ajceb-1884	1	24	,	,	PUNCT
ajceb-1884	1	25	(	(	PUNCT
ajceb-1884	1	26	university	university	NOUN
ajceb-1884	1	27	of	of	ADP
ajceb-1884	1	28	melbourne	melbourne	PROPN
ajceb-1884	1	29	,	,	PUNCT
ajceb-1884	1	30	australia	australia	PROPN
ajceb-1884	1	31	)	)	PUNCT
ajceb-1884	1	32	abstract	abstract	ADJ
ajceb-1884	1	33	residential	residential	ADJ
ajceb-1884	1	34	mortgage	mortgage	NOUN
ajceb-1884	1	35	products	product	NOUN
ajceb-1884	1	36	(	(	PUNCT
ajceb-1884	1	37	also	also	ADV
ajceb-1884	1	38	known	know	VERB
ajceb-1884	1	39	as	as	ADP
ajceb-1884	1	40	home	home	NOUN
ajceb-1884	1	41	loans	loan	NOUN
ajceb-1884	1	42	)	)	PUNCT
ajceb-1884	1	43	pricing	pricing	NOUN
ajceb-1884	1	44	has	have	AUX
ajceb-1884	1	45	been	be	AUX
ajceb-1884	1	46	long	long	ADV
ajceb-1884	1	47	understood	understand	VERB
ajceb-1884	1	48	to	to	PART
ajceb-1884	1	49	be	be	AUX
ajceb-1884	1	50	something	something	PRON
ajceb-1884	1	51	of	of	ADP
ajceb-1884	1	52	a	a	DET
ajceb-1884	1	53	„	„	PUNCT
ajceb-1884	1	54	dark	dark	NOUN
ajceb-1884	1	55	art‟	art‟	NOUN
ajceb-1884	1	56	,	,	PUNCT
ajceb-1884	1	57	requiring	require	VERB
ajceb-1884	1	58	judgment	judgment	NOUN
ajceb-1884	1	59	and	and	CCONJ
ajceb-1884	1	60	experience	experience	NOUN
ajceb-1884	1	61	,	,	PUNCT
ajceb-1884	1	62	rather	rather	ADV
ajceb-1884	1	63	than	than	ADP
ajceb-1884	1	64	being	be	AUX
ajceb-1884	1	65	an	an	DET
ajceb-1884	1	66	exact	exact	ADJ
ajceb-1884	1	67	science	science	NOUN
ajceb-1884	1	68	.	.	PUNCT
ajceb-1884	2	1	in	in	ADP
ajceb-1884	2	2	the	the	DET
ajceb-1884	2	3	last	last	ADJ
ajceb-1884	2	4	decade	decade	NOUN
ajceb-1884	2	5	,	,	PUNCT
ajceb-1884	2	6	a	a	DET
ajceb-1884	2	7	lot	lot	NOUN
ajceb-1884	2	8	has	have	AUX
ajceb-1884	2	9	changed	change	VERB
ajceb-1884	2	10	in	in	ADP
ajceb-1884	2	11	this	this	DET
ajceb-1884	2	12	field	field	NOUN
ajceb-1884	2	13	and	and	CCONJ
ajceb-1884	2	14	more	more	ADJ
ajceb-1884	2	15	and	and	CCONJ
ajceb-1884	2	16	more	more	ADJ
ajceb-1884	2	17	lenders	lender	NOUN
ajceb-1884	2	18	,	,	PUNCT
ajceb-1884	2	19	primarily	primarily	ADV
ajceb-1884	2	20	the	the	DET
ajceb-1884	2	21	larger	large	ADJ
ajceb-1884	2	22	lenders	lender	NOUN
ajceb-1884	2	23	,	,	PUNCT
ajceb-1884	2	24	are	be	AUX
ajceb-1884	2	25	increasingly	increasingly	ADV
ajceb-1884	2	26	looking	look	VERB
ajceb-1884	2	27	to	to	PART
ajceb-1884	2	28	make	make	VERB
ajceb-1884	2	29	their	their	PRON
ajceb-1884	2	30	pricing	pricing	NOUN
ajceb-1884	2	31	as	as	ADV
ajceb-1884	2	32	exact	exact	ADJ
ajceb-1884	2	33	as	as	ADP
ajceb-1884	2	34	possible	possible	ADJ
ajceb-1884	2	35	.	.	PUNCT
ajceb-1884	3	1	even	even	ADV
ajceb-1884	3	2	so	so	ADV
ajceb-1884	3	3	,	,	PUNCT
ajceb-1884	3	4	inadequate	inadequate	ADJ
ajceb-1884	3	5	pricing	pricing	NOUN
ajceb-1884	3	6	of	of	ADP
ajceb-1884	3	7	residential	residential	ADJ
ajceb-1884	3	8	mortgage	mortgage	NOUN
ajceb-1884	3	9	products	product	NOUN
ajceb-1884	3	10	(	(	PUNCT
ajceb-1884	3	11	in	in	ADP
ajceb-1884	3	12	particular	particular	ADJ
ajceb-1884	3	13	its	its	PRON
ajceb-1884	3	14	substandard	substandard	ADJ
ajceb-1884	3	15	risk	risk	NOUN
ajceb-1884	3	16	pricing	pricing	NOUN
ajceb-1884	3	17	)	)	PUNCT
ajceb-1884	3	18	has	have	AUX
ajceb-1884	3	19	been	be	AUX
ajceb-1884	3	20	seen	see	VERB
ajceb-1884	3	21	as	as	ADP
ajceb-1884	3	22	one	one	NUM
ajceb-1884	3	23	of	of	ADP
ajceb-1884	3	24	major	major	ADJ
ajceb-1884	3	25	causes	cause	NOUN
ajceb-1884	3	26	of	of	ADP
ajceb-1884	3	27	the	the	DET
ajceb-1884	3	28	global	global	ADJ
ajceb-1884	3	29	financial	financial	ADJ
ajceb-1884	3	30	crisis	crisis	NOUN
ajceb-1884	3	31	(	(	PUNCT
ajceb-1884	3	32	gfc	gfc	NOUN
ajceb-1884	3	33	)	)	PUNCT
ajceb-1884	3	34	and	and	CCONJ
ajceb-1884	3	35	subsequent	subsequent	ADJ
ajceb-1884	3	36	spectacular	spectacular	ADJ
ajceb-1884	3	37	banking	banking	NOUN
ajceb-1884	3	38	collapses	collapse	NOUN
ajceb-1884	3	39	.	.	PUNCT
ajceb-1884	4	1	the	the	DET
ajceb-1884	4	2	underlying	underlie	VERB
ajceb-1884	4	3	theme	theme	NOUN
ajceb-1884	4	4	of	of	ADP
ajceb-1884	4	5	the	the	DET
ajceb-1884	4	6	paper	paper	NOUN
ajceb-1884	4	7	is	be	AUX
ajceb-1884	4	8	to	to	PART
ajceb-1884	4	9	exhibit	exhibit	VERB
ajceb-1884	4	10	how	how	SCONJ
ajceb-1884	4	11	contemporary	contemporary	ADJ
ajceb-1884	4	12	lenders	lender	NOUN
ajceb-1884	4	13	,	,	PUNCT
ajceb-1884	4	14	in	in	ADP
ajceb-1884	4	15	practice	practice	NOUN
ajceb-1884	4	16	,	,	PUNCT
ajceb-1884	4	17	price	price	VERB
ajceb-1884	4	18	their	their	PRON
ajceb-1884	4	19	residential	residential	ADJ
ajceb-1884	4	20	mortgage	mortgage	NOUN
ajceb-1884	4	21	products	product	NOUN
ajceb-1884	4	22	.	.	PUNCT
ajceb-1884	5	1	while	while	SCONJ
ajceb-1884	5	2	discussing	discuss	VERB
ajceb-1884	5	3	elements	element	NOUN
ajceb-1884	5	4	of	of	ADP
ajceb-1884	5	5	the	the	DET
ajceb-1884	5	6	pricing	pricing	NOUN
ajceb-1884	5	7	calculation	calculation	NOUN
ajceb-1884	5	8	particular	particular	ADJ
ajceb-1884	5	9	attention	attention	NOUN
ajceb-1884	5	10	was	be	AUX
ajceb-1884	5	11	given	give	VERB
ajceb-1884	5	12	to	to	ADP
ajceb-1884	5	13	the	the	DET
ajceb-1884	5	14	exposition	exposition	NOUN
ajceb-1884	5	15	of	of	ADP
ajceb-1884	5	16	how	how	SCONJ
ajceb-1884	5	17	contemporary	contemporary	ADJ
ajceb-1884	5	18	lenders	lender	NOUN
ajceb-1884	5	19	price	price	VERB
ajceb-1884	5	20	risks	risk	NOUN
ajceb-1884	5	21	involved	involve	VERB
ajceb-1884	5	22	in	in	ADP
ajceb-1884	5	23	providing	provide	VERB
ajceb-1884	5	24	home	home	NOUN
ajceb-1884	5	25	loans	loan	NOUN
ajceb-1884	5	26	.	.	PUNCT
ajceb-1884	6	1	because	because	SCONJ
ajceb-1884	6	2	of	of	ADP
ajceb-1884	6	3	the	the	DET
ajceb-1884	6	4	importance	importance	NOUN
ajceb-1884	6	5	of	of	ADP
ajceb-1884	6	6	basel	basel	PROPN
ajceb-1884	6	7	capital	capital	NOUN
ajceb-1884	6	8	accords	accord	NOUN
ajceb-1884	6	9	to	to	ADP
ajceb-1884	6	10	how	how	SCONJ
ajceb-1884	6	11	financial	financial	ADJ
ajceb-1884	6	12	institutions	institution	NOUN
ajceb-1884	6	13	assess	assess	VERB
ajceb-1884	6	14	and	and	CCONJ
ajceb-1884	6	15	quantify	quantify	VERB
ajceb-1884	6	16	their	their	PRON
ajceb-1884	6	17	risks	risk	NOUN
ajceb-1884	6	18	,	,	PUNCT
ajceb-1884	6	19	the	the	DET
ajceb-1884	6	20	paper	paper	NOUN
ajceb-1884	6	21	provides	provide	VERB
ajceb-1884	6	22	an	an	DET
ajceb-1884	6	23	overview	overview	NOUN
ajceb-1884	6	24	of	of	ADP
ajceb-1884	6	25	basel	basel	PROPN
ajceb-1884	6	26	capital	capital	PROPN
ajceb-1884	6	27	accords	accord	NOUN
ajceb-1884	6	28	.	.	PUNCT
ajceb-1884	7	1	the	the	DET
ajceb-1884	7	2	author	author	NOUN
ajceb-1884	7	3	envisages	envisage	VERB
ajceb-1884	7	4	that	that	SCONJ
ajceb-1884	7	5	the	the	DET
ajceb-1884	7	6	paper	paper	NOUN
ajceb-1884	7	7	will	will	AUX
ajceb-1884	7	8	(	(	PUNCT
ajceb-1884	7	9	i	i	NOUN
ajceb-1884	7	10	)	)	PUNCT
ajceb-1884	7	11	help	help	AUX
ajceb-1884	7	12	enhance	enhance	VERB
ajceb-1884	7	13	comprehension	comprehension	NOUN
ajceb-1884	7	14	of	of	ADP
ajceb-1884	7	15	the	the	DET
ajceb-1884	7	16	underlying	underlie	VERB
ajceb-1884	7	17	elements	element	NOUN
ajceb-1884	7	18	of	of	ADP
ajceb-1884	7	19	the	the	DET
ajceb-1884	7	20	pricing	pricing	NOUN
ajceb-1884	7	21	calculation	calculation	NOUN
ajceb-1884	7	22	and	and	CCONJ
ajceb-1884	7	23	the	the	DET
ajceb-1884	7	24	ways	way	NOUN
ajceb-1884	7	25	in	in	ADP
ajceb-1884	7	26	which	which	PRON
ajceb-1884	7	27	these	these	DET
ajceb-1884	7	28	elements	element	NOUN
ajceb-1884	7	29	relate	relate	VERB
ajceb-1884	7	30	to	to	ADP
ajceb-1884	7	31	each	each	DET
ajceb-1884	7	32	other	other	ADJ
ajceb-1884	7	33	,	,	PUNCT
ajceb-1884	7	34	(	(	PUNCT
ajceb-1884	7	35	ii	ii	NOUN
ajceb-1884	7	36	)	)	PUNCT
ajceb-1884	7	37	scrutinize	scrutinize	VERB
ajceb-1884	7	38	how	how	SCONJ
ajceb-1884	7	39	contemporary	contemporary	ADJ
ajceb-1884	7	40	lenders	lender	NOUN
ajceb-1884	7	41	identify	identify	VERB
ajceb-1884	7	42	and	and	CCONJ
ajceb-1884	7	43	quantify	quantify	VERB
ajceb-1884	7	44	risks	risk	NOUN
ajceb-1884	7	45	and	and	CCONJ
ajceb-1884	7	46	(	(	PUNCT
ajceb-1884	7	47	iii	iii	X
ajceb-1884	7	48	)	)	PUNCT
ajceb-1884	7	49	improve	improve	VERB
ajceb-1884	7	50	consciousness	consciousness	NOUN
ajceb-1884	7	51	of	of	ADP
ajceb-1884	7	52	future	future	ADJ
ajceb-1884	7	53	changes	change	NOUN
ajceb-1884	7	54	in	in	ADP
ajceb-1884	7	55	interest	interest	NOUN
ajceb-1884	7	56	rates	rate	NOUN
ajceb-1884	7	57	.	.	PUNCT
ajceb-1884	8	1	keywords	keyword	NOUN
ajceb-1884	8	2	:	:	PUNCT
ajceb-1884	8	3	home	home	NOUN
ajceb-1884	8	4	loan	loan	NOUN
ajceb-1884	8	5	pricing	pricing	NOUN
ajceb-1884	8	6	,	,	PUNCT
ajceb-1884	8	7	home	home	NOUN
ajceb-1884	8	8	loan	loan	NOUN
ajceb-1884	8	9	products	product	NOUN
ajceb-1884	8	10	,	,	PUNCT
ajceb-1884	8	11	basel	basel	PROPN
ajceb-1884	8	12	capital	capital	PROPN
ajceb-1884	8	13	accords	accords	PROPN
ajceb-1884	8	14	,	,	PUNCT
ajceb-1884	8	15	cost	cost	NOUN
ajceb-1884	8	16	plus	plus	CCONJ
ajceb-1884	8	17	pricing	pricing	NOUN
ajceb-1884	8	18	technique	technique	NOUN
ajceb-1884	8	19	,	,	PUNCT
ajceb-1884	8	20	risk	risk	NOUN
ajceb-1884	8	21	quantification	quantification	NOUN
ajceb-1884	8	22	,	,	PUNCT
ajceb-1884	8	23	risk	risk	NOUN
ajceb-1884	8	24	pricing	pricing	NOUN
ajceb-1884	8	25	,	,	PUNCT
ajceb-1884	8	26	provisioning	provision	VERB
ajceb-1884	8	27	introduction	introduction	NOUN
ajceb-1884	8	28	the	the	DET
ajceb-1884	8	29	australian	australian	ADJ
ajceb-1884	8	30	home	home	NOUN
ajceb-1884	8	31	loan	loan	NOUN
ajceb-1884	8	32	industry	industry	NOUN
ajceb-1884	8	33	is	be	AUX
ajceb-1884	8	34	characterised	characterise	VERB
ajceb-1884	8	35	by	by	ADP
ajceb-1884	8	36	a	a	DET
ajceb-1884	8	37	very	very	ADV
ajceb-1884	8	38	homogenous	homogenous	ADJ
ajceb-1884	8	39	products	product	NOUN
ajceb-1884	8	40	offering	offering	NOUN
ajceb-1884	8	41	,	,	PUNCT
ajceb-1884	8	42	a	a	DET
ajceb-1884	8	43	strong	strong	ADJ
ajceb-1884	8	44	risk	risk	NOUN
ajceb-1884	8	45	-	-	PUNCT
ajceb-1884	8	46	pricing	price	VERB
ajceb-1884	8	47	discipline	discipline	NOUN
ajceb-1884	8	48	,	,	PUNCT
ajceb-1884	8	49	a	a	DET
ajceb-1884	8	50	highly	highly	ADV
ajceb-1884	8	51	concentrated	concentrated	ADJ
ajceb-1884	8	52	industry	industry	NOUN
ajceb-1884	8	53	structure	structure	NOUN
ajceb-1884	8	54	,	,	PUNCT
ajceb-1884	8	55	and	and	CCONJ
ajceb-1884	8	56	products	product	NOUN
ajceb-1884	8	57	(	(	PUNCT
ajceb-1884	8	58	home	home	NOUN
ajceb-1884	8	59	loans	loan	NOUN
ajceb-1884	8	60	)	)	PUNCT
ajceb-1884	8	61	that	that	PRON
ajceb-1884	8	62	are	be	AUX
ajceb-1884	8	63	almost	almost	ADV
ajceb-1884	8	64	fully	fully	ADV
ajceb-1884	8	65	commoditised1	commoditised1	NOUN
ajceb-1884	8	66	.	.	PUNCT
ajceb-1884	9	1	in	in	ADP
ajceb-1884	9	2	1997	1997	NUM
ajceb-1884	9	3	,	,	PUNCT
ajceb-1884	9	4	beyond	beyond	ADP
ajceb-1884	9	5	commodity	commodity	NOUN
ajceb-1884	9	6	status	status	NOUN
ajceb-1884	9	7	,	,	PUNCT
ajceb-1884	9	8	the	the	DET
ajceb-1884	9	9	council	council	NOUN
ajceb-1884	9	10	on	on	ADP
ajceb-1884	9	11	financial	financial	ADJ
ajceb-1884	9	12	competition‟s	competition‟s	NOUN
ajceb-1884	9	13	syndicated	syndicate	VERB
ajceb-1884	9	14	study	study	NOUN
ajceb-1884	9	15	,	,	PUNCT
ajceb-1884	9	16	identified	identify	VERB
ajceb-1884	9	17	the	the	DET
ajceb-1884	9	18	following	follow	VERB
ajceb-1884	9	19	three	three	NUM
ajceb-1884	9	20	hallmarks	hallmark	NOUN
ajceb-1884	9	21	of	of	ADP
ajceb-1884	9	22	commoditisation	commoditisation	NOUN
ajceb-1884	9	23	in	in	ADP
ajceb-1884	9	24	the	the	DET
ajceb-1884	9	25	retail	retail	ADJ
ajceb-1884	9	26	financial	financial	ADJ
ajceb-1884	9	27	services	service	NOUN
ajceb-1884	9	28	industry	industry	NOUN
ajceb-1884	9	29	leading	lead	VERB
ajceb-1884	9	30	to	to	ADP
ajceb-1884	9	31	rapid	rapid	ADJ
ajceb-1884	9	32	industry	industry	NOUN
ajceb-1884	9	33	consolidation	consolidation	NOUN
ajceb-1884	9	34	:	:	PUNCT
ajceb-1884	9	35	(	(	PUNCT
ajceb-1884	9	36	i	i	NOUN
ajceb-1884	9	37	)	)	PUNCT
ajceb-1884	9	38	increasing	increase	VERB
ajceb-1884	9	39	price	price	NOUN
ajceb-1884	9	40	elasticity	elasticity	NOUN
ajceb-1884	9	41	of	of	ADP
ajceb-1884	9	42	individual	individual	ADJ
ajceb-1884	9	43	borrowers	borrower	NOUN
ajceb-1884	9	44	,	,	PUNCT
ajceb-1884	9	45	(	(	PUNCT
ajceb-1884	9	46	ii	ii	NOUN
ajceb-1884	9	47	)	)	PUNCT
ajceb-1884	9	48	pressure	pressure	NOUN
ajceb-1884	9	49	on	on	ADP
ajceb-1884	9	50	profit	profit	NOUN
ajceb-1884	9	51	margins	margin	NOUN
ajceb-1884	9	52	across	across	ADP
ajceb-1884	9	53	the	the	DET
ajceb-1884	9	54	core	core	NOUN
ajceb-1884	9	55	product	product	NOUN
ajceb-1884	9	56	set	set	VERB
ajceb-1884	9	57	,	,	PUNCT
ajceb-1884	9	58	and	and	CCONJ
ajceb-1884	9	59	(	(	PUNCT
ajceb-1884	9	60	iii	iii	NOUN
ajceb-1884	9	61	)	)	PUNCT
ajceb-1884	9	62	strategic	strategic	ADJ
ajceb-1884	9	63	emphasis	emphasis	NOUN
ajceb-1884	9	64	on	on	ADP
ajceb-1884	9	65	cost	cost	NOUN
ajceb-1884	9	66	reduction	reduction	NOUN
ajceb-1884	9	67	.	.	PUNCT
ajceb-1884	10	1	when	when	SCONJ
ajceb-1884	10	2	discussing	discuss	VERB
ajceb-1884	10	3	pricing	pricing	NOUN
ajceb-1884	10	4	,	,	PUNCT
ajceb-1884	10	5	it	it	PRON
ajceb-1884	10	6	is	be	AUX
ajceb-1884	10	7	important	important	ADJ
ajceb-1884	10	8	to	to	PART
ajceb-1884	10	9	have	have	VERB
ajceb-1884	10	10	in	in	ADP
ajceb-1884	10	11	mind	mind	NOUN
ajceb-1884	10	12	that	that	SCONJ
ajceb-1884	10	13	pricing	pricing	NOUN
ajceb-1884	10	14	is	be	AUX
ajceb-1884	10	15	only	only	ADV
ajceb-1884	10	16	one	one	NUM
ajceb-1884	10	17	element	element	NOUN
ajceb-1884	10	18	of	of	ADP
ajceb-1884	10	19	the	the	DET
ajceb-1884	10	20	marketing	marketing	NOUN
ajceb-1884	10	21	mix	mix	NOUN
ajceb-1884	10	22	and	and	CCONJ
ajceb-1884	10	23	,	,	PUNCT
ajceb-1884	10	24	as	as	ADP
ajceb-1884	10	25	such	such	ADJ
ajceb-1884	10	26	,	,	PUNCT
ajceb-1884	10	27	must	must	AUX
ajceb-1884	10	28	be	be	AUX
ajceb-1884	10	29	assessed	assess	VERB
ajceb-1884	10	30	as	as	ADP
ajceb-1884	10	31	part	part	NOUN
ajceb-1884	10	32	of	of	ADP
ajceb-1884	10	33	a	a	DET
ajceb-1884	10	34	wider	wide	ADJ
ajceb-1884	10	35	picture	picture	NOUN
ajceb-1884	10	36	.	.	PUNCT
ajceb-1884	11	1	the	the	DET
ajceb-1884	11	2	other	other	ADJ
ajceb-1884	11	3	marketing	marketing	NOUN
ajceb-1884	11	4	mix	mix	NOUN
ajceb-1884	11	5	elements	element	NOUN
ajceb-1884	11	6	are	be	AUX
ajceb-1884	11	7	distribution	distribution	NOUN
ajceb-1884	11	8	,	,	PUNCT
ajceb-1884	11	9	process	process	NOUN
ajceb-1884	11	10	,	,	PUNCT
ajceb-1884	11	11	product	product	NOUN
ajceb-1884	11	12	and	and	CCONJ
ajceb-1884	11	13	promotion	promotion	NOUN
ajceb-1884	11	14	.	.	PUNCT
ajceb-1884	12	1	activities	activity	NOUN
ajceb-1884	12	2	such	such	ADJ
ajceb-1884	12	3	as	as	ADP
ajceb-1884	12	4	the	the	DET
ajceb-1884	12	5	introduction	introduction	NOUN
ajceb-1884	12	6	of	of	ADP
ajceb-1884	12	7	a	a	DET
ajceb-1884	12	8	new	new	ADJ
ajceb-1884	12	9	product	product	NOUN
ajceb-1884	12	10	or	or	CCONJ
ajceb-1884	12	11	new	new	ADJ
ajceb-1884	12	12	distribution	distribution	NOUN
ajceb-1884	12	13	channel	channel	NOUN
ajceb-1884	12	14	are	be	AUX
ajceb-1884	12	15	generally	generally	ADV
ajceb-1884	12	16	very	very	ADV
ajceb-1884	12	17	costly	costly	ADJ
ajceb-1884	12	18	,	,	PUNCT
ajceb-1884	12	19	and	and	CCONJ
ajceb-1884	12	20	the	the	DET
ajceb-1884	12	21	impact	impact	NOUN
ajceb-1884	12	22	of	of	ADP
ajceb-1884	12	23	these	these	DET
ajceb-1884	12	24	types	type	NOUN
ajceb-1884	12	25	of	of	ADP
ajceb-1884	12	26	changes	change	NOUN
ajceb-1884	12	27	will	will	AUX
ajceb-1884	12	28	generally	generally	ADV
ajceb-1884	12	29	take	take	VERB
ajceb-1884	12	30	some	some	DET
ajceb-1884	12	31	time	time	NOUN
ajceb-1884	12	32	to	to	PART
ajceb-1884	12	33	start	start	VERB
ajceb-1884	12	34	making	make	VERB
ajceb-1884	12	35	a	a	DET
ajceb-1884	12	36	difference	difference	NOUN
ajceb-1884	12	37	.	.	PUNCT
ajceb-1884	13	1	in	in	ADP
ajceb-1884	13	2	contrast	contrast	NOUN
ajceb-1884	13	3	,	,	PUNCT
ajceb-1884	13	4	the	the	DET
ajceb-1884	13	5	impact	impact	NOUN
ajceb-1884	13	6	of	of	ADP
ajceb-1884	13	7	pricing	pricing	NOUN
ajceb-1884	13	8	-	-	PUNCT
ajceb-1884	13	9	related	relate	VERB
ajceb-1884	13	10	initiatives	initiative	NOUN
ajceb-1884	13	11	is	be	AUX
ajceb-1884	13	12	,	,	PUNCT
ajceb-1884	13	13	typically	typically	ADV
ajceb-1884	13	14	,	,	PUNCT
ajceb-1884	13	15	almost	almost	ADV
ajceb-1884	13	16	instantaneous	instantaneous	ADJ
ajceb-1884	13	17	.	.	PUNCT
ajceb-1884	14	1	for	for	ADP
ajceb-1884	14	2	example	example	NOUN
ajceb-1884	14	3	,	,	PUNCT
ajceb-1884	14	4	a	a	DET
ajceb-1884	14	5	change	change	NOUN
ajceb-1884	14	6	in	in	ADP
ajceb-1884	14	7	price	price	NOUN
ajceb-1884	14	8	for	for	ADP
ajceb-1884	14	9	fixed	fix	VERB
ajceb-1884	14	10	rate	rate	NOUN
ajceb-1884	14	11	home	home	NOUN
ajceb-1884	14	12	loans	loan	NOUN
ajceb-1884	14	13	(	(	PUNCT
ajceb-1884	14	14	frhls	frhls	NOUN
ajceb-1884	14	15	)	)	PUNCT
ajceb-1884	14	16	would	would	AUX
ajceb-1884	14	17	impact	impact	VERB
ajceb-1884	14	18	on	on	ADP
ajceb-1884	14	19	all	all	DET
ajceb-1884	14	20	new	new	ADJ
ajceb-1884	14	21	home	home	NOUN
ajceb-1884	14	22	loan	loan	NOUN
ajceb-1884	14	23	sales	sale	NOUN
ajceb-1884	14	24	,	,	PUNCT
ajceb-1884	14	25	while	while	SCONJ
ajceb-1884	14	26	a	a	DET
ajceb-1884	14	27	change	change	NOUN
ajceb-1884	14	28	in	in	ADP
ajceb-1884	14	29	price	price	NOUN
ajceb-1884	14	30	for	for	ADP
ajceb-1884	14	31	variable	variable	ADJ
ajceb-1884	14	32	rate	rate	NOUN
ajceb-1884	14	33	home	home	NOUN
ajceb-1884	14	34	loans	loan	NOUN
ajceb-1884	14	35	would	would	AUX
ajceb-1884	14	36	have	have	VERB
ajceb-1884	14	37	an	an	DET
ajceb-1884	14	38	impact	impact	NOUN
ajceb-1884	14	39	on	on	ADP
ajceb-1884	14	40	the	the	DET
ajceb-1884	14	41	whole	whole	ADJ
ajceb-1884	14	42	portfolio	portfolio	NOUN
ajceb-1884	14	43	.	.	PUNCT
ajceb-1884	15	1	of	of	ADP
ajceb-1884	15	2	course	course	ADV
ajceb-1884	15	3	,	,	PUNCT
ajceb-1884	15	4	in	in	ADP
ajceb-1884	15	5	a	a	DET
ajceb-1884	15	6	real	real	ADJ
ajceb-1884	15	7	life	life	NOUN
ajceb-1884	15	8	situation	situation	NOUN
ajceb-1884	15	9	,	,	PUNCT
ajceb-1884	15	10	all	all	PRON
ajceb-1884	15	11	of	of	ADP
ajceb-1884	15	12	the	the	DET
ajceb-1884	15	13	marketing	marketing	NOUN
ajceb-1884	15	14	mix	mix	NOUN
ajceb-1884	15	15	functions	function	NOUN
ajceb-1884	15	16	need	need	VERB
ajceb-1884	15	17	to	to	PART
ajceb-1884	15	18	work	work	VERB
ajceb-1884	15	19	together	together	ADV
ajceb-1884	15	20	cooperatively	cooperatively	ADV
ajceb-1884	15	21	i.e.	i.e.	X
ajceb-1884	15	22	pricing	pricing	NOUN
ajceb-1884	15	23	without	without	ADP
ajceb-1884	15	24	promotion	promotion	NOUN
ajceb-1884	15	25	and	and	CCONJ
ajceb-1884	15	26	adequate	adequate	ADJ
ajceb-1884	15	27	product	product	NOUN
ajceb-1884	15	28	mix	mix	NOUN
ajceb-1884	15	29	and	and	CCONJ
ajceb-1884	15	30	process	process	NOUN
ajceb-1884	15	31	can	can	AUX
ajceb-1884	15	32	not	not	PART
ajceb-1884	15	33	produce	produce	VERB
ajceb-1884	15	34	much	much	ADJ
ajceb-1884	15	35	in	in	ADP
ajceb-1884	15	36	isolation	isolation	NOUN
ajceb-1884	15	37	.	.	PUNCT
ajceb-1884	16	1	nevertheless	nevertheless	ADV
ajceb-1884	16	2	,	,	PUNCT
ajceb-1884	16	3	relative	relative	ADJ
ajceb-1884	16	4	to	to	ADP
ajceb-1884	16	5	other	other	ADJ
ajceb-1884	16	6	less	less	ADV
ajceb-1884	16	7	competitive	competitive	ADJ
ajceb-1884	16	8	and	and	CCONJ
ajceb-1884	16	9	homogenous	homogenous	ADJ
ajceb-1884	16	10	industries	industry	NOUN
ajceb-1884	16	11	,	,	PUNCT
ajceb-1884	16	12	home	home	NOUN
ajceb-1884	16	13	loan	loan	NOUN
ajceb-1884	16	14	borrowers	borrower	NOUN
ajceb-1884	16	15	are	be	AUX
ajceb-1884	16	16	typically	typically	ADV
ajceb-1884	16	17	more	more	ADJ
ajceb-1884	16	18	price	price	NOUN
ajceb-1884	16	19	sensitive	sensitive	ADJ
ajceb-1884	16	20	,	,	PUNCT
ajceb-1884	16	21	which	which	PRON
ajceb-1884	16	22	makes	make	VERB
ajceb-1884	16	23	pricing	pricing	NOUN
ajceb-1884	16	24	more	more	ADV
ajceb-1884	16	25	relevant	relevant	ADJ
ajceb-1884	16	26	and	and	CCONJ
ajceb-1884	16	27	more	more	ADV
ajceb-1884	16	28	often	often	ADV
ajceb-1884	16	29	used	use	VERB
ajceb-1884	16	30	by	by	ADP
ajceb-1884	16	31	lenders	lender	NOUN
ajceb-1884	16	32	as	as	ADP
ajceb-1884	16	33	a	a	DET
ajceb-1884	16	34	driving	drive	VERB
ajceb-1884	16	35	force	force	NOUN
ajceb-1884	16	36	for	for	ADP
ajceb-1884	16	37	various	various	ADJ
ajceb-1884	16	38	marketing	marketing	NOUN
ajceb-1884	16	39	initiatives	initiative	NOUN
ajceb-1884	16	40	.	.	PUNCT
ajceb-1884	17	1	1	1	NUM
ajceb-1884	17	2	for	for	ADP
ajceb-1884	17	3	more	more	ADJ
ajceb-1884	17	4	on	on	ADP
ajceb-1884	17	5	home	home	NOUN
ajceb-1884	17	6	loan	loan	NOUN
ajceb-1884	17	7	products	product	NOUN
ajceb-1884	17	8	see	see	VERB
ajceb-1884	17	9	karamujic	karamujic	NOUN
ajceb-1884	17	10	(	(	PUNCT
ajceb-1884	17	11	2009	2009	NUM
ajceb-1884	17	12	)	)	PUNCT
ajceb-1884	17	13	,	,	PUNCT
ajceb-1884	17	14	chapter	chapter	NOUN
ajceb-1884	17	15	5	5	NUM
ajceb-1884	17	16	.	.	PUNCT
ajceb-1884	18	1	http://financial-dictionary.thefreedictionary.com/bank	http://financial-dictionary.thefreedictionary.com/bank	PROPN
ajceb-1884	18	2	http://financial-dictionary.thefreedictionary.com/risk	http://financial-dictionary.thefreedictionary.com/risk	PROPN
ajceb-1884	18	3	australasian	australasian	ADJ
ajceb-1884	18	4	journal	journal	NOUN
ajceb-1884	18	5	of	of	ADP
ajceb-1884	18	6	construction	construction	NOUN
ajceb-1884	18	7	economics	economic	NOUN
ajceb-1884	18	8	and	and	CCONJ
ajceb-1884	18	9	building	building	PROPN
ajceb-1884	18	10	karamujic	karamujic	PROPN
ajceb-1884	18	11	,	,	PUNCT
ajceb-1884	18	12	h	h	NOUN
ajceb-1884	18	13	m	m	VERB
ajceb-1884	18	14	(	(	PUNCT
ajceb-1884	18	15	2010	2010	NUM
ajceb-1884	18	16	)	)	PUNCT
ajceb-1884	18	17	‘	'	PUNCT
ajceb-1884	18	18	an	an	DET
ajceb-1884	18	19	investigation	investigation	NOUN
ajceb-1884	18	20	into	into	ADP
ajceb-1884	18	21	the	the	DET
ajceb-1884	18	22	fundamental	fundamental	ADJ
ajceb-1884	18	23	drivers	driver	NOUN
ajceb-1884	18	24	of	of	ADP
ajceb-1884	18	25	pricing	pricing	NOUN
ajceb-1884	18	26	of	of	ADP
ajceb-1884	18	27	residential	residential	ADJ
ajceb-1884	18	28	mortgage	mortgage	NOUN
ajceb-1884	18	29	products	product	NOUN
ajceb-1884	18	30	–	–	PUNCT
ajceb-1884	18	31	a	a	DET
ajceb-1884	18	32	risk	risk	NOUN
ajceb-1884	18	33	pricing	pricing	NOUN
ajceb-1884	18	34	viewpoint	viewpoint	NOUN
ajceb-1884	18	35	’	'	PUNCT
ajceb-1884	18	36	,	,	PUNCT
ajceb-1884	18	37	australasian	australasian	ADJ
ajceb-1884	18	38	journal	journal	NOUN
ajceb-1884	18	39	of	of	ADP
ajceb-1884	18	40	construction	construction	NOUN
ajceb-1884	18	41	economics	economic	NOUN
ajceb-1884	18	42	and	and	CCONJ
ajceb-1884	18	43	building	building	NOUN
ajceb-1884	18	44	,	,	PUNCT
ajceb-1884	18	45	10	10	NUM
ajceb-1884	18	46	(	(	PUNCT
ajceb-1884	18	47	4	4	NUM
ajceb-1884	18	48	)	)	SYM
ajceb-1884	18	49	60	60	NUM
ajceb-1884	18	50	-	-	SYM
ajceb-1884	18	51	72	72	NUM
ajceb-1884	18	52	61	61	NUM
ajceb-1884	18	53	overall	overall	ADJ
ajceb-1884	18	54	,	,	PUNCT
ajceb-1884	18	55	home	home	NOUN
ajceb-1884	18	56	loan	loan	NOUN
ajceb-1884	18	57	pricing	pricing	NOUN
ajceb-1884	18	58	entails	entail	VERB
ajceb-1884	18	59	pricing	price	VERB
ajceb-1884	18	60	interest	interest	NOUN
ajceb-1884	18	61	rates	rate	NOUN
ajceb-1884	18	62	and	and	CCONJ
ajceb-1884	18	63	fees2	fees2	NOUN
ajceb-1884	18	64	.	.	PUNCT
ajceb-1884	19	1	fee	fee	NOUN
ajceb-1884	19	2	pricing	pricing	NOUN
ajceb-1884	19	3	,	,	PUNCT
ajceb-1884	19	4	in	in	ADP
ajceb-1884	19	5	general	general	ADJ
ajceb-1884	19	6	,	,	PUNCT
ajceb-1884	19	7	is	be	AUX
ajceb-1884	19	8	much	much	ADV
ajceb-1884	19	9	more	more	ADV
ajceb-1884	19	10	static	static	ADJ
ajceb-1884	19	11	and	and	CCONJ
ajceb-1884	19	12	by	by	ADV
ajceb-1884	19	13	and	and	CCONJ
ajceb-1884	19	14	large	large	ADJ
ajceb-1884	19	15	significantly	significantly	ADV
ajceb-1884	19	16	smaller	small	ADJ
ajceb-1884	19	17	contributor	contributor	NOUN
ajceb-1884	19	18	to	to	ADP
ajceb-1884	19	19	the	the	DET
ajceb-1884	19	20	overall	overall	ADJ
ajceb-1884	19	21	price	price	NOUN
ajceb-1884	19	22	.	.	PUNCT
ajceb-1884	20	1	consequently	consequently	ADV
ajceb-1884	20	2	,	,	PUNCT
ajceb-1884	20	3	the	the	DET
ajceb-1884	20	4	focus	focus	NOUN
ajceb-1884	20	5	of	of	ADP
ajceb-1884	20	6	this	this	DET
ajceb-1884	20	7	paper	paper	NOUN
ajceb-1884	20	8	will	will	AUX
ajceb-1884	20	9	be	be	AUX
ajceb-1884	20	10	on	on	ADP
ajceb-1884	20	11	home	home	NOUN
ajceb-1884	20	12	loan	loan	NOUN
ajceb-1884	20	13	interest	interest	NOUN
ajceb-1884	20	14	rates	rate	NOUN
ajceb-1884	20	15	pricing	pricing	NOUN
ajceb-1884	20	16	.	.	PUNCT
ajceb-1884	21	1	more	more	ADV
ajceb-1884	21	2	precisely	precisely	ADV
ajceb-1884	21	3	,	,	PUNCT
ajceb-1884	21	4	the	the	DET
ajceb-1884	21	5	paper	paper	NOUN
ajceb-1884	21	6	aims	aim	VERB
ajceb-1884	21	7	to	to	PART
ajceb-1884	21	8	show	show	VERB
ajceb-1884	21	9	how	how	SCONJ
ajceb-1884	21	10	lenders	lender	NOUN
ajceb-1884	21	11	price	price	VERB
ajceb-1884	21	12	their	their	PRON
ajceb-1884	21	13	home	home	NOUN
ajceb-1884	21	14	loans	loan	NOUN
ajceb-1884	21	15	i.e.	i.e.	X
ajceb-1884	21	16	determine	determine	VERB
ajceb-1884	21	17	home	home	NOUN
ajceb-1884	21	18	loan	loan	NOUN
ajceb-1884	21	19	interest	interest	NOUN
ajceb-1884	21	20	rates	rate	NOUN
ajceb-1884	21	21	.	.	PUNCT
ajceb-1884	22	1	while	while	SCONJ
ajceb-1884	22	2	discussing	discuss	VERB
ajceb-1884	22	3	elements	element	NOUN
ajceb-1884	22	4	of	of	ADP
ajceb-1884	22	5	the	the	DET
ajceb-1884	22	6	pricing	pricing	NOUN
ajceb-1884	22	7	calculation	calculation	NOUN
ajceb-1884	22	8	,	,	PUNCT
ajceb-1884	22	9	particular	particular	ADJ
ajceb-1884	22	10	attention	attention	NOUN
ajceb-1884	22	11	was	be	AUX
ajceb-1884	22	12	given	give	VERB
ajceb-1884	22	13	to	to	ADP
ajceb-1884	22	14	how	how	SCONJ
ajceb-1884	22	15	contemporary	contemporary	ADJ
ajceb-1884	22	16	lenders	lender	NOUN
ajceb-1884	22	17	identify	identify	VERB
ajceb-1884	22	18	and	and	CCONJ
ajceb-1884	22	19	quantify	quantify	ADJ
ajceb-1884	22	20	risks	risk	NOUN
ajceb-1884	22	21	.	.	PUNCT
ajceb-1884	23	1	the	the	DET
ajceb-1884	23	2	author	author	NOUN
ajceb-1884	23	3	believes	believe	VERB
ajceb-1884	23	4	that	that	SCONJ
ajceb-1884	23	5	with	with	ADP
ajceb-1884	23	6	a	a	DET
ajceb-1884	23	7	bit	bit	NOUN
ajceb-1884	23	8	of	of	ADP
ajceb-1884	23	9	adjustment	adjustment	NOUN
ajceb-1884	23	10	a	a	DET
ajceb-1884	23	11	very	very	ADV
ajceb-1884	23	12	similar	similar	ADJ
ajceb-1884	23	13	approach	approach	NOUN
ajceb-1884	23	14	can	can	AUX
ajceb-1884	23	15	be	be	AUX
ajceb-1884	23	16	adopted	adopt	VERB
ajceb-1884	23	17	by	by	ADP
ajceb-1884	23	18	other	other	ADJ
ajceb-1884	23	19	disciplines	discipline	NOUN
ajceb-1884	23	20	(	(	PUNCT
ajceb-1884	23	21	such	such	ADJ
ajceb-1884	23	22	as	as	ADP
ajceb-1884	23	23	property	property	NOUN
ajceb-1884	23	24	)	)	PUNCT
ajceb-1884	23	25	,	,	PUNCT
ajceb-1884	23	26	which	which	PRON
ajceb-1884	23	27	currently	currently	ADV
ajceb-1884	23	28	employ	employ	VERB
ajceb-1884	23	29	significantly	significantly	ADV
ajceb-1884	23	30	less	less	ADV
ajceb-1884	23	31	sophisticated	sophisticated	ADJ
ajceb-1884	23	32	methods	method	NOUN
ajceb-1884	23	33	of	of	ADP
ajceb-1884	23	34	risk	risk	NOUN
ajceb-1884	23	35	assessment	assessment	NOUN
ajceb-1884	23	36	and	and	CCONJ
ajceb-1884	23	37	risk	risk	NOUN
ajceb-1884	23	38	quantification	quantification	NOUN
ajceb-1884	23	39	.	.	PUNCT
ajceb-1884	24	1	in	in	ADP
ajceb-1884	24	2	addition	addition	NOUN
ajceb-1884	24	3	to	to	ADP
ajceb-1884	24	4	discussing	discuss	VERB
ajceb-1884	24	5	home	home	NOUN
ajceb-1884	24	6	loan	loan	NOUN
ajceb-1884	24	7	pricing	pricing	NOUN
ajceb-1884	24	8	in	in	ADP
ajceb-1884	24	9	the	the	DET
ajceb-1884	24	10	next	next	ADJ
ajceb-1884	24	11	section	section	NOUN
ajceb-1884	24	12	,	,	PUNCT
ajceb-1884	24	13	in	in	ADP
ajceb-1884	24	14	section	section	NOUN
ajceb-1884	24	15	iii	iii	NOUN
ajceb-1884	24	16	we	we	PRON
ajceb-1884	24	17	will	will	AUX
ajceb-1884	24	18	present	present	VERB
ajceb-1884	24	19	an	an	DET
ajceb-1884	24	20	overview	overview	NOUN
ajceb-1884	24	21	of	of	ADP
ajceb-1884	24	22	basel	basel	PROPN
ajceb-1884	24	23	capital	capital	PROPN
ajceb-1884	24	24	accords	accord	NOUN
ajceb-1884	24	25	.	.	PUNCT
ajceb-1884	25	1	finally	finally	ADV
ajceb-1884	25	2	,	,	PUNCT
ajceb-1884	25	3	in	in	ADP
ajceb-1884	25	4	section	section	NOUN
ajceb-1884	25	5	iv	iv	NUM
ajceb-1884	25	6	,	,	PUNCT
ajceb-1884	25	7	the	the	DET
ajceb-1884	25	8	paper	paper	NOUN
ajceb-1884	25	9	concludes	conclude	VERB
ajceb-1884	25	10	.	.	PUNCT
ajceb-1884	26	1	home	home	NOUN
ajceb-1884	26	2	loan	loan	NOUN
ajceb-1884	26	3	pricing	pricing	NOUN
ajceb-1884	26	4	a	a	DET
ajceb-1884	26	5	study	study	NOUN
ajceb-1884	26	6	conducted	conduct	VERB
ajceb-1884	26	7	by	by	ADP
ajceb-1884	26	8	council	council	NOUN
ajceb-1884	26	9	on	on	ADP
ajceb-1884	26	10	financial	financial	ADJ
ajceb-1884	26	11	competition	competition	NOUN
ajceb-1884	26	12	(	(	PUNCT
ajceb-1884	26	13	2005	2005	NUM
ajceb-1884	26	14	)	)	PUNCT
ajceb-1884	26	15	showed	show	VERB
ajceb-1884	26	16	that	that	SCONJ
ajceb-1884	26	17	the	the	DET
ajceb-1884	26	18	majority	majority	NOUN
ajceb-1884	26	19	of	of	ADP
ajceb-1884	26	20	lenders	lender	NOUN
ajceb-1884	26	21	have	have	AUX
ajceb-1884	26	22	,	,	PUNCT
ajceb-1884	26	23	historically	historically	ADV
ajceb-1884	26	24	,	,	PUNCT
ajceb-1884	26	25	devoted	devote	VERB
ajceb-1884	26	26	few	few	ADJ
ajceb-1884	26	27	or	or	CCONJ
ajceb-1884	26	28	no	no	PRON
ajceb-1884	26	29	resources	resource	NOUN
ajceb-1884	26	30	to	to	ADP
ajceb-1884	26	31	developing	develop	VERB
ajceb-1884	26	32	sound	sound	ADJ
ajceb-1884	26	33	pricing	pricing	NOUN
ajceb-1884	26	34	models	model	NOUN
ajceb-1884	26	35	.	.	PUNCT
ajceb-1884	27	1	this	this	PRON
ajceb-1884	27	2	may	may	AUX
ajceb-1884	27	3	be	be	AUX
ajceb-1884	27	4	due	due	ADJ
ajceb-1884	27	5	to	to	ADP
ajceb-1884	27	6	the	the	DET
ajceb-1884	27	7	fact	fact	NOUN
ajceb-1884	27	8	that	that	SCONJ
ajceb-1884	27	9	home	home	NOUN
ajceb-1884	27	10	loan	loan	NOUN
ajceb-1884	27	11	product	product	NOUN
ajceb-1884	27	12	pricing	pricing	NOUN
ajceb-1884	27	13	has	have	AUX
ajceb-1884	27	14	been	be	AUX
ajceb-1884	27	15	long	long	ADV
ajceb-1884	27	16	understood	understand	VERB
ajceb-1884	27	17	to	to	PART
ajceb-1884	27	18	be	be	AUX
ajceb-1884	27	19	something	something	PRON
ajceb-1884	27	20	of	of	ADP
ajceb-1884	27	21	a	a	DET
ajceb-1884	27	22	„	„	PUNCT
ajceb-1884	27	23	dark	dark	NOUN
ajceb-1884	27	24	art‟	art‟	NOUN
ajceb-1884	27	25	,	,	PUNCT
ajceb-1884	27	26	requiring	require	VERB
ajceb-1884	27	27	judgment	judgment	NOUN
ajceb-1884	27	28	and	and	CCONJ
ajceb-1884	27	29	experience	experience	NOUN
ajceb-1884	27	30	,	,	PUNCT
ajceb-1884	27	31	rather	rather	ADV
ajceb-1884	27	32	than	than	ADP
ajceb-1884	27	33	being	be	AUX
ajceb-1884	27	34	an	an	DET
ajceb-1884	27	35	exact	exact	ADJ
ajceb-1884	27	36	science	science	NOUN
ajceb-1884	27	37	.	.	PUNCT
ajceb-1884	28	1	in	in	ADP
ajceb-1884	28	2	the	the	DET
ajceb-1884	28	3	last	last	ADJ
ajceb-1884	28	4	decade	decade	NOUN
ajceb-1884	28	5	,	,	PUNCT
ajceb-1884	28	6	a	a	DET
ajceb-1884	28	7	lot	lot	NOUN
ajceb-1884	28	8	has	have	AUX
ajceb-1884	28	9	changed	change	VERB
ajceb-1884	28	10	in	in	ADP
ajceb-1884	28	11	this	this	DET
ajceb-1884	28	12	field	field	NOUN
ajceb-1884	28	13	and	and	CCONJ
ajceb-1884	28	14	more	more	ADJ
ajceb-1884	28	15	and	and	CCONJ
ajceb-1884	28	16	more	more	ADJ
ajceb-1884	28	17	lenders	lender	NOUN
ajceb-1884	28	18	,	,	PUNCT
ajceb-1884	28	19	primarily	primarily	ADV
ajceb-1884	28	20	the	the	DET
ajceb-1884	28	21	larger	large	ADJ
ajceb-1884	28	22	lenders	lender	NOUN
ajceb-1884	28	23	,	,	PUNCT
ajceb-1884	28	24	are	be	AUX
ajceb-1884	28	25	increasingly	increasingly	ADV
ajceb-1884	28	26	looking	look	VERB
ajceb-1884	28	27	to	to	PART
ajceb-1884	28	28	make	make	VERB
ajceb-1884	28	29	their	their	PRON
ajceb-1884	28	30	pricing	pricing	NOUN
ajceb-1884	28	31	as	as	ADV
ajceb-1884	28	32	exact	exact	ADJ
ajceb-1884	28	33	as	as	ADP
ajceb-1884	28	34	possible	possible	ADJ
ajceb-1884	28	35	.	.	PUNCT
ajceb-1884	29	1	their	their	PRON
ajceb-1884	29	2	attempts	attempt	NOUN
ajceb-1884	29	3	are	be	AUX
ajceb-1884	29	4	supported	support	VERB
ajceb-1884	29	5	by	by	ADP
ajceb-1884	29	6	council	council	NOUN
ajceb-1884	29	7	on	on	ADP
ajceb-1884	29	8	financial	financial	ADJ
ajceb-1884	29	9	competition	competition	NOUN
ajceb-1884	29	10	(	(	PUNCT
ajceb-1884	29	11	2003	2003	NUM
ajceb-1884	29	12	)	)	PUNCT
ajceb-1884	29	13	research	research	NOUN
ajceb-1884	29	14	,	,	PUNCT
ajceb-1884	29	15	which	which	PRON
ajceb-1884	29	16	shows	show	VERB
ajceb-1884	29	17	that	that	SCONJ
ajceb-1884	29	18	lenders	lender	NOUN
ajceb-1884	29	19	who	who	PRON
ajceb-1884	29	20	use	use	VERB
ajceb-1884	29	21	quantitative	quantitative	ADJ
ajceb-1884	29	22	pricing	pricing	NOUN
ajceb-1884	29	23	techniques	technique	NOUN
ajceb-1884	29	24	as	as	ADP
ajceb-1884	29	25	part	part	NOUN
ajceb-1884	29	26	of	of	ADP
ajceb-1884	29	27	their	their	PRON
ajceb-1884	29	28	pricing	pricing	NOUN
ajceb-1884	29	29	process	process	NOUN
ajceb-1884	29	30	can	can	AUX
ajceb-1884	29	31	boost	boost	VERB
ajceb-1884	29	32	their	their	PRON
ajceb-1884	29	33	bottom	bottom	ADJ
ajceb-1884	29	34	-	-	PUNCT
ajceb-1884	29	35	line	line	NOUN
ajceb-1884	29	36	earnings	earning	NOUN
ajceb-1884	29	37	by	by	ADP
ajceb-1884	29	38	as	as	ADV
ajceb-1884	29	39	much	much	ADJ
ajceb-1884	29	40	as	as	ADP
ajceb-1884	29	41	five	five	NUM
ajceb-1884	29	42	to	to	PART
ajceb-1884	29	43	seven	seven	NUM
ajceb-1884	29	44	per	per	ADP
ajceb-1884	29	45	cent	cent	NOUN
ajceb-1884	29	46	.	.	PUNCT
ajceb-1884	30	1	in	in	ADP
ajceb-1884	30	2	doing	do	VERB
ajceb-1884	30	3	so	so	ADV
ajceb-1884	30	4	,	,	PUNCT
ajceb-1884	30	5	lenders	lender	NOUN
ajceb-1884	30	6	have	have	VERB
ajceb-1884	30	7	a	a	DET
ajceb-1884	30	8	number	number	NOUN
ajceb-1884	30	9	of	of	ADP
ajceb-1884	30	10	pricing	pricing	NOUN
ajceb-1884	30	11	techniques	technique	NOUN
ajceb-1884	30	12	at	at	ADP
ajceb-1884	30	13	their	their	PRON
ajceb-1884	30	14	disposal	disposal	NOUN
ajceb-1884	30	15	:	:	PUNCT
ajceb-1884	30	16	1	1	NUM
ajceb-1884	30	17	cost	cost	NOUN
ajceb-1884	30	18	plus	plus	CCONJ
ajceb-1884	30	19	pricing	pricing	NOUN
ajceb-1884	30	20	,	,	PUNCT
ajceb-1884	30	21	2	2	NUM
ajceb-1884	30	22	market	market	NOUN
ajceb-1884	30	23	pricing	pricing	NOUN
ajceb-1884	30	24	,	,	PUNCT
ajceb-1884	30	25	3	3	NUM
ajceb-1884	30	26	promotions	promotion	NOUN
ajceb-1884	30	27	pricing	pricing	NOUN
ajceb-1884	30	28	,	,	PUNCT
ajceb-1884	30	29	4	4	NUM
ajceb-1884	30	30	tiered	tiere	VERB
ajceb-1884	30	31	pricing	pricing	NOUN
ajceb-1884	30	32	,	,	PUNCT
ajceb-1884	30	33	5	5	NUM
ajceb-1884	30	34	timing	timing	NOUN
ajceb-1884	30	35	pricing	pricing	NOUN
ajceb-1884	30	36	,	,	PUNCT
ajceb-1884	30	37	6	6	NUM
ajceb-1884	30	38	relationship	relationship	NOUN
ajceb-1884	30	39	pricing	pricing	NOUN
ajceb-1884	30	40	,	,	PUNCT
ajceb-1884	30	41	7	7	NUM
ajceb-1884	30	42	product	product	NOUN
ajceb-1884	30	43	range	range	NOUN
ajceb-1884	30	44	pricing	pricing	NOUN
ajceb-1884	30	45	,	,	PUNCT
ajceb-1884	30	46	and	and	CCONJ
ajceb-1884	30	47	8	8	NUM
ajceb-1884	30	48	premium	premium	NOUN
ajceb-1884	30	49	pricing	price	VERB
ajceb-1884	30	50	the	the	DET
ajceb-1884	30	51	cost	cost	NOUN
ajceb-1884	30	52	plus	plus	CCONJ
ajceb-1884	30	53	pricing	pricing	NOUN
ajceb-1884	30	54	technique	technique	NOUN
ajceb-1884	30	55	sets	set	VERB
ajceb-1884	30	56	prices	price	NOUN
ajceb-1884	30	57	at	at	ADP
ajceb-1884	30	58	a	a	DET
ajceb-1884	30	59	mark	mark	NOUN
ajceb-1884	30	60	-	-	PUNCT
ajceb-1884	30	61	up	up	NOUN
ajceb-1884	30	62	to	to	ADP
ajceb-1884	30	63	a	a	DET
ajceb-1884	30	64	minimum	minimum	ADJ
ajceb-1884	30	65	price	price	NOUN
ajceb-1884	30	66	allowable	allowable	ADJ
ajceb-1884	30	67	.	.	PUNCT
ajceb-1884	31	1	the	the	DET
ajceb-1884	31	2	paper	paper	NOUN
ajceb-1884	31	3	focuses	focus	VERB
ajceb-1884	31	4	on	on	ADP
ajceb-1884	31	5	cost	cost	NOUN
ajceb-1884	31	6	plus	plus	CCONJ
ajceb-1884	31	7	pricing	pricing	NOUN
ajceb-1884	31	8	technique	technique	NOUN
ajceb-1884	31	9	because	because	SCONJ
ajceb-1884	31	10	it	it	PRON
ajceb-1884	31	11	is	be	AUX
ajceb-1884	31	12	the	the	DET
ajceb-1884	31	13	basis	basis	NOUN
ajceb-1884	31	14	for	for	ADP
ajceb-1884	31	15	all	all	DET
ajceb-1884	31	16	other	other	ADJ
ajceb-1884	31	17	pricing	pricing	NOUN
ajceb-1884	31	18	techniques	technique	NOUN
ajceb-1884	31	19	i.e.	i.e.	X
ajceb-1884	31	20	all	all	DET
ajceb-1884	31	21	other	other	ADJ
ajceb-1884	31	22	pricing	pricing	NOUN
ajceb-1884	31	23	techniques	technique	NOUN
ajceb-1884	31	24	discuss	discuss	VERB
ajceb-1884	31	25	different	different	ADJ
ajceb-1884	31	26	margin	margin	NOUN
ajceb-1884	31	27	(	(	PUNCT
ajceb-1884	31	28	mark	mark	NOUN
ajceb-1884	31	29	-	-	PUNCT
ajceb-1884	31	30	up	up	NOUN
ajceb-1884	31	31	)	)	PUNCT
ajceb-1884	31	32	combinations	combination	NOUN
ajceb-1884	31	33	,	,	PUNCT
ajceb-1884	31	34	which	which	PRON
ajceb-1884	31	35	primarily	primarily	ADV
ajceb-1884	31	36	depend	depend	VERB
ajceb-1884	31	37	on	on	ADP
ajceb-1884	31	38	the	the	DET
ajceb-1884	31	39	lender‟s	lender‟s	ADJ
ajceb-1884	31	40	business	business	NOUN
ajceb-1884	31	41	goals	goal	NOUN
ajceb-1884	31	42	and	and	CCONJ
ajceb-1884	31	43	associated	associated	ADJ
ajceb-1884	31	44	pricing	pricing	NOUN
ajceb-1884	31	45	strategies3	strategies3	PROPN
ajceb-1884	31	46	.	.	PUNCT
ajceb-1884	32	1	cost	cost	NOUN
ajceb-1884	32	2	-	-	PUNCT
ajceb-1884	32	3	plus	plus	CCONJ
ajceb-1884	32	4	pricing	pricing	NOUN
ajceb-1884	32	5	technique	technique	NOUN
ajceb-1884	32	6	the	the	DET
ajceb-1884	32	7	underlying	underlie	VERB
ajceb-1884	32	8	motivation	motivation	NOUN
ajceb-1884	32	9	of	of	ADP
ajceb-1884	32	10	the	the	DET
ajceb-1884	32	11	cost	cost	NOUN
ajceb-1884	32	12	plus	plus	CCONJ
ajceb-1884	32	13	pricing	pricing	NOUN
ajceb-1884	32	14	technique	technique	NOUN
ajceb-1884	32	15	is	be	AUX
ajceb-1884	32	16	to	to	PART
ajceb-1884	32	17	determine	determine	VERB
ajceb-1884	32	18	the	the	DET
ajceb-1884	32	19	minimum	minimum	ADJ
ajceb-1884	32	20	cost	cost	NOUN
ajceb-1884	32	21	of	of	ADP
ajceb-1884	32	22	providing	provide	VERB
ajceb-1884	32	23	a	a	DET
ajceb-1884	32	24	home	home	NOUN
ajceb-1884	32	25	loan	loan	NOUN
ajceb-1884	32	26	.	.	PUNCT
ajceb-1884	33	1	on	on	ADP
ajceb-1884	33	2	the	the	DET
ajceb-1884	33	3	critical	critical	ADJ
ajceb-1884	33	4	side	side	NOUN
ajceb-1884	33	5	,	,	PUNCT
ajceb-1884	33	6	even	even	ADV
ajceb-1884	33	7	well	well	ADV
ajceb-1884	33	8	constructed	construct	VERB
ajceb-1884	33	9	cost	cost	NOUN
ajceb-1884	33	10	plus	plus	CCONJ
ajceb-1884	33	11	pricing	pricing	NOUN
ajceb-1884	33	12	totally	totally	ADV
ajceb-1884	33	13	ignores	ignore	VERB
ajceb-1884	33	14	the	the	DET
ajceb-1884	33	15	question	question	NOUN
ajceb-1884	33	16	of	of	ADP
ajceb-1884	33	17	demand	demand	NOUN
ajceb-1884	33	18	and	and	CCONJ
ajceb-1884	33	19	provides	provide	VERB
ajceb-1884	33	20	only	only	ADV
ajceb-1884	33	21	an	an	DET
ajceb-1884	33	22	acceptable	acceptable	ADJ
ajceb-1884	33	23	price	price	NOUN
ajceb-1884	33	24	floor	floor	NOUN
ajceb-1884	33	25	.	.	PUNCT
ajceb-1884	34	1	within	within	ADP
ajceb-1884	34	2	this	this	DET
ajceb-1884	34	3	framework	framework	NOUN
ajceb-1884	34	4	,	,	PUNCT
ajceb-1884	34	5	if	if	SCONJ
ajceb-1884	34	6	we	we	PRON
ajceb-1884	34	7	are	be	AUX
ajceb-1884	34	8	to	to	PART
ajceb-1884	34	9	set	set	VERB
ajceb-1884	34	10	the	the	DET
ajceb-1884	34	11	lender‟s	lender‟s	ADJ
ajceb-1884	34	12	margin	margin	NOUN
ajceb-1884	34	13	to	to	PART
ajceb-1884	34	14	equal	equal	VERB
ajceb-1884	34	15	the	the	DET
ajceb-1884	34	16	return	return	NOUN
ajceb-1884	34	17	on	on	ADP
ajceb-1884	34	18	equity	equity	NOUN
ajceb-1884	34	19	at	at	ADP
ajceb-1884	34	20	the	the	DET
ajceb-1884	34	21	lender‟s	lender‟s	ADJ
ajceb-1884	34	22	hurdle	hurdle	NOUN
ajceb-1884	34	23	rate	rate	NOUN
ajceb-1884	34	24	(	(	PUNCT
ajceb-1884	34	25	minimum	minimum	ADJ
ajceb-1884	34	26	rate	rate	NOUN
ajceb-1884	34	27	of	of	ADP
ajceb-1884	34	28	return	return	NOUN
ajceb-1884	34	29	on	on	ADP
ajceb-1884	34	30	lenders‟	lenders‟	PROPN
ajceb-1884	34	31	equity	equity	NOUN
ajceb-1884	34	32	acceptable	acceptable	ADJ
ajceb-1884	34	33	to	to	ADP
ajceb-1884	34	34	the	the	DET
ajceb-1884	34	35	lender	lender	NOUN
ajceb-1884	34	36	)	)	PUNCT
ajceb-1884	34	37	,	,	PUNCT
ajceb-1884	34	38	the	the	DET
ajceb-1884	34	39	analysis	analysis	NOUN
ajceb-1884	34	40	represents	represent	VERB
ajceb-1884	34	41	the	the	DET
ajceb-1884	34	42	break	break	NOUN
ajceb-1884	34	43	-	-	PUNCT
ajceb-1884	34	44	even	even	ADV
ajceb-1884	34	45	analysis	analysis	NOUN
ajceb-1884	34	46	.	.	PUNCT
ajceb-1884	35	1	this	this	DET
ajceb-1884	35	2	analysis	analysis	NOUN
ajceb-1884	35	3	does	do	AUX
ajceb-1884	35	4	not	not	PART
ajceb-1884	35	5	take	take	VERB
ajceb-1884	35	6	into	into	ADP
ajceb-1884	35	7	account	account	NOUN
ajceb-1884	35	8	factors	factor	NOUN
ajceb-1884	35	9	such	such	ADJ
ajceb-1884	35	10	as	as	ADP
ajceb-1884	35	11	the	the	DET
ajceb-1884	35	12	competitive	competitive	ADJ
ajceb-1884	35	13	landscape	landscape	NOUN
ajceb-1884	35	14	and	and	CCONJ
ajceb-1884	35	15	a	a	DET
ajceb-1884	35	16	borrower‟s	borrower‟s	ADJ
ajceb-1884	35	17	value	value	NOUN
ajceb-1884	35	18	to	to	ADP
ajceb-1884	35	19	the	the	DET
ajceb-1884	35	20	lender	lender	NOUN
ajceb-1884	35	21	.	.	PUNCT
ajceb-1884	36	1	nevertheless	nevertheless	ADV
ajceb-1884	36	2	,	,	PUNCT
ajceb-1884	36	3	it	it	PRON
ajceb-1884	36	4	2	2	NUM
ajceb-1884	36	5	such	such	ADJ
ajceb-1884	36	6	as	as	ADP
ajceb-1884	36	7	transaction	transaction	NOUN
ajceb-1884	36	8	fees	fee	NOUN
ajceb-1884	36	9	,	,	PUNCT
ajceb-1884	36	10	lending	lending	NOUN
ajceb-1884	36	11	fees	fee	NOUN
ajceb-1884	36	12	(	(	PUNCT
ajceb-1884	36	13	application	application	NOUN
ajceb-1884	36	14	and	and	CCONJ
ajceb-1884	36	15	monthly	monthly	ADJ
ajceb-1884	36	16	service	service	NOUN
ajceb-1884	36	17	fees	fee	NOUN
ajceb-1884	36	18	)	)	PUNCT
ajceb-1884	36	19	and	and	CCONJ
ajceb-1884	36	20	sundry	sundry	ADJ
ajceb-1884	36	21	fees	fee	NOUN
ajceb-1884	36	22	(	(	PUNCT
ajceb-1884	36	23	such	such	ADJ
ajceb-1884	36	24	as	as	ADP
ajceb-1884	36	25	reference	reference	NOUN
ajceb-1884	36	26	fees	fee	NOUN
ajceb-1884	36	27	and	and	CCONJ
ajceb-1884	36	28	bank	bank	NOUN
ajceb-1884	36	29	cheque	cheque	NOUN
ajceb-1884	36	30	fees	fee	NOUN
ajceb-1884	36	31	)	)	PUNCT
ajceb-1884	36	32	.	.	PUNCT
ajceb-1884	37	1	3	3	NUM
ajceb-1884	37	2	for	for	ADP
ajceb-1884	37	3	more	more	ADJ
ajceb-1884	37	4	on	on	ADP
ajceb-1884	37	5	other	other	ADJ
ajceb-1884	37	6	pricing	pricing	NOUN
ajceb-1884	37	7	techniques	technique	NOUN
ajceb-1884	37	8	refer	refer	VERB
ajceb-1884	37	9	to	to	ADP
ajceb-1884	37	10	karamujic	karamujic	PROPN
ajceb-1884	37	11	(	(	PUNCT
ajceb-1884	37	12	2009	2009	NUM
ajceb-1884	37	13	)	)	PUNCT
ajceb-1884	37	14	,	,	PUNCT
ajceb-1884	37	15	chapter	chapter	NOUN
ajceb-1884	37	16	6	6	NUM
ajceb-1884	37	17	.	.	PUNCT
ajceb-1884	38	1	australasian	australasian	ADJ
ajceb-1884	38	2	journal	journal	NOUN
ajceb-1884	38	3	of	of	ADP
ajceb-1884	38	4	construction	construction	NOUN
ajceb-1884	38	5	economics	economic	NOUN
ajceb-1884	38	6	and	and	CCONJ
ajceb-1884	38	7	building	building	PROPN
ajceb-1884	38	8	karamujic	karamujic	PROPN
ajceb-1884	38	9	,	,	PUNCT
ajceb-1884	38	10	h	h	NOUN
ajceb-1884	38	11	m	m	VERB
ajceb-1884	38	12	(	(	PUNCT
ajceb-1884	38	13	2010	2010	NUM
ajceb-1884	38	14	)	)	PUNCT
ajceb-1884	39	1	‘	'	PUNCT
ajceb-1884	39	2	an	an	DET
ajceb-1884	39	3	investigation	investigation	NOUN
ajceb-1884	39	4	into	into	ADP
ajceb-1884	39	5	the	the	DET
ajceb-1884	39	6	fundamental	fundamental	ADJ
ajceb-1884	39	7	drivers	driver	NOUN
ajceb-1884	39	8	of	of	ADP
ajceb-1884	39	9	pricing	pricing	NOUN
ajceb-1884	39	10	of	of	ADP
ajceb-1884	39	11	residential	residential	ADJ
ajceb-1884	39	12	mortgage	mortgage	NOUN
ajceb-1884	39	13	products	product	NOUN
ajceb-1884	39	14	–	–	PUNCT
ajceb-1884	39	15	a	a	DET
ajceb-1884	39	16	risk	risk	NOUN
ajceb-1884	39	17	pricing	pricing	NOUN
ajceb-1884	39	18	viewpoint	viewpoint	NOUN
ajceb-1884	39	19	’	'	PUNCT
ajceb-1884	39	20	,	,	PUNCT
ajceb-1884	39	21	australasian	australasian	ADJ
ajceb-1884	39	22	journal	journal	NOUN
ajceb-1884	39	23	of	of	ADP
ajceb-1884	39	24	construction	construction	NOUN
ajceb-1884	39	25	economics	economic	NOUN
ajceb-1884	39	26	and	and	CCONJ
ajceb-1884	39	27	building	building	NOUN
ajceb-1884	39	28	,	,	PUNCT
ajceb-1884	39	29	10	10	NUM
ajceb-1884	39	30	(	(	PUNCT
ajceb-1884	39	31	4	4	NUM
ajceb-1884	39	32	)	)	SYM
ajceb-1884	39	33	60	60	NUM
ajceb-1884	39	34	-	-	SYM
ajceb-1884	39	35	72	72	NUM
ajceb-1884	39	36	62	62	NUM
ajceb-1884	39	37	provides	provide	VERB
ajceb-1884	39	38	a	a	DET
ajceb-1884	39	39	useful	useful	ADJ
ajceb-1884	39	40	tool	tool	NOUN
ajceb-1884	39	41	for	for	ADP
ajceb-1884	39	42	determining	determine	VERB
ajceb-1884	39	43	product	product	NOUN
ajceb-1884	39	44	level	level	NOUN
ajceb-1884	39	45	profitability	profitability	NOUN
ajceb-1884	39	46	.	.	PUNCT
ajceb-1884	40	1	furthermore	furthermore	ADV
ajceb-1884	40	2	,	,	PUNCT
ajceb-1884	40	3	the	the	DET
ajceb-1884	40	4	technique	technique	NOUN
ajceb-1884	40	5	can	can	AUX
ajceb-1884	40	6	be	be	AUX
ajceb-1884	40	7	very	very	ADV
ajceb-1884	40	8	useful	useful	ADJ
ajceb-1884	40	9	in	in	ADP
ajceb-1884	40	10	quantifying	quantify	VERB
ajceb-1884	40	11	losses	loss	NOUN
ajceb-1884	40	12	from	from	ADP
ajceb-1884	40	13	products	product	NOUN
ajceb-1884	40	14	offered	offer	VERB
ajceb-1884	40	15	below	below	ADP
ajceb-1884	40	16	cost	cost	NOUN
ajceb-1884	40	17	to	to	PART
ajceb-1884	40	18	ensure	ensure	VERB
ajceb-1884	40	19	they	they	PRON
ajceb-1884	40	20	are	be	AUX
ajceb-1884	40	21	being	be	AUX
ajceb-1884	40	22	recouped	recoup	VERB
ajceb-1884	40	23	elsewhere	elsewhere	ADV
ajceb-1884	40	24	.	.	PUNCT
ajceb-1884	41	1	for	for	ADP
ajceb-1884	41	2	example	example	NOUN
ajceb-1884	41	3	,	,	PUNCT
ajceb-1884	41	4	a	a	DET
ajceb-1884	41	5	lender	lender	NOUN
ajceb-1884	41	6	may	may	AUX
ajceb-1884	41	7	offer	offer	VERB
ajceb-1884	41	8	basic	basic	ADJ
ajceb-1884	41	9	products	product	NOUN
ajceb-1884	41	10	well	well	ADV
ajceb-1884	41	11	below	below	ADP
ajceb-1884	41	12	the	the	DET
ajceb-1884	41	13	break	break	NOUN
ajceb-1884	41	14	-	-	PUNCT
ajceb-1884	41	15	even	even	ADV
ajceb-1884	41	16	point	point	NOUN
ajceb-1884	41	17	with	with	ADP
ajceb-1884	41	18	the	the	DET
ajceb-1884	41	19	understanding	understanding	NOUN
ajceb-1884	41	20	that	that	PRON
ajceb-1884	41	21	profits	profit	NOUN
ajceb-1884	41	22	from	from	ADP
ajceb-1884	41	23	cross	cross	ADJ
ajceb-1884	41	24	-	-	ADJ
ajceb-1884	41	25	sold	sell	VERB
ajceb-1884	41	26	products	product	NOUN
ajceb-1884	41	27	will	will	AUX
ajceb-1884	41	28	compensate	compensate	VERB
ajceb-1884	41	29	for	for	ADP
ajceb-1884	41	30	the	the	DET
ajceb-1884	41	31	loss	loss	NOUN
ajceb-1884	41	32	.	.	PUNCT
ajceb-1884	42	1	in	in	ADP
ajceb-1884	42	2	this	this	DET
ajceb-1884	42	3	case	case	NOUN
ajceb-1884	42	4	,	,	PUNCT
ajceb-1884	42	5	basic	basic	ADJ
ajceb-1884	42	6	products	product	NOUN
ajceb-1884	42	7	serve	serve	VERB
ajceb-1884	42	8	as	as	ADP
ajceb-1884	42	9	“	"	PUNCT
ajceb-1884	42	10	loss	loss	NOUN
ajceb-1884	42	11	leaders	leader	NOUN
ajceb-1884	42	12	”	"	PUNCT
ajceb-1884	42	13	.	.	PUNCT
ajceb-1884	43	1	the	the	DET
ajceb-1884	43	2	basic	basic	ADJ
ajceb-1884	43	3	cost	cost	NOUN
ajceb-1884	43	4	plus	plus	CCONJ
ajceb-1884	43	5	pricing	pricing	NOUN
ajceb-1884	43	6	technique	technique	NOUN
ajceb-1884	43	7	can	can	AUX
ajceb-1884	43	8	be	be	AUX
ajceb-1884	43	9	expressed	express	VERB
ajceb-1884	43	10	as	as	ADP
ajceb-1884	43	11	:	:	PUNCT
ajceb-1884	43	12	hbp	hbp	PROPN
ajceb-1884	43	13	=	=	PUNCT
ajceb-1884	43	14	cof	cof	PROPN
ajceb-1884	43	15	+	+	CCONJ
ajceb-1884	43	16	llp	llp	PROPN
ajceb-1884	43	17	+	+	CCONJ
ajceb-1884	43	18	lm	lm	PROPN
ajceb-1884	43	19	+	+	NUM
ajceb-1884	43	20	cos	cos	PROPN
ajceb-1884	43	21	+	+	PROPN
ajceb-1884	43	22	coc	coc	PROPN
ajceb-1884	43	23	,	,	PUNCT
ajceb-1884	43	24	(	(	PUNCT
ajceb-1884	43	25	1	1	X
ajceb-1884	43	26	)	)	PUNCT
ajceb-1884	43	27	where	where	SCONJ
ajceb-1884	43	28	hbp	hbp	PROPN
ajceb-1884	43	29	represents	represent	VERB
ajceb-1884	43	30	home	home	NOUN
ajceb-1884	43	31	loan	loan	NOUN
ajceb-1884	43	32	baseline	baseline	NOUN
ajceb-1884	43	33	price	price	NOUN
ajceb-1884	43	34	,	,	PUNCT
ajceb-1884	43	35	cof	cof	PROPN
ajceb-1884	43	36	represents	represent	VERB
ajceb-1884	43	37	cost	cost	NOUN
ajceb-1884	43	38	of	of	ADP
ajceb-1884	43	39	funds	fund	NOUN
ajceb-1884	43	40	,	,	PUNCT
ajceb-1884	43	41	llp	llp	PROPN
ajceb-1884	43	42	represents	represent	VERB
ajceb-1884	43	43	loan	loan	NOUN
ajceb-1884	43	44	loss	loss	NOUN
ajceb-1884	43	45	provision	provision	NOUN
ajceb-1884	43	46	charge	charge	NOUN
ajceb-1884	43	47	,	,	PUNCT
ajceb-1884	43	48	lm	lm	PUNCT
ajceb-1884	43	49	represents	represent	VERB
ajceb-1884	43	50	the	the	DET
ajceb-1884	43	51	lender‟s	lender‟s	ADJ
ajceb-1884	43	52	margin	margin	NOUN
ajceb-1884	43	53	,	,	PUNCT
ajceb-1884	43	54	cos	cos	PROPN
ajceb-1884	43	55	represents	represent	VERB
ajceb-1884	43	56	costs	cost	NOUN
ajceb-1884	43	57	of	of	ADP
ajceb-1884	43	58	sales	sale	NOUN
ajceb-1884	43	59	,	,	PUNCT
ajceb-1884	43	60	and	and	CCONJ
ajceb-1884	43	61	coc	coc	NOUN
ajceb-1884	43	62	represents	represent	VERB
ajceb-1884	43	63	corporate	corporate	ADJ
ajceb-1884	43	64	overhead	overhead	ADJ
ajceb-1884	43	65	costs4	costs4	NOUN
ajceb-1884	43	66	.	.	PUNCT
ajceb-1884	44	1	cost	cost	NOUN
ajceb-1884	44	2	of	of	ADP
ajceb-1884	44	3	funds	fund	NOUN
ajceb-1884	44	4	(	(	PUNCT
ajceb-1884	44	5	cof	cof	PROPN
ajceb-1884	44	6	)	)	PUNCT
ajceb-1884	44	7	an	an	DET
ajceb-1884	44	8	internal	internal	ADJ
ajceb-1884	44	9	banking	banking	NOUN
ajceb-1884	44	10	term	term	NOUN
ajceb-1884	44	11	interchangeably	interchangeably	ADV
ajceb-1884	44	12	used	use	VERB
ajceb-1884	44	13	with	with	ADP
ajceb-1884	44	14	cof	cof	PROPN
ajceb-1884	44	15	is	be	AUX
ajceb-1884	44	16	the	the	DET
ajceb-1884	44	17	funds	fund	NOUN
ajceb-1884	44	18	transfer	transfer	NOUN
ajceb-1884	44	19	pricing	pricing	NOUN
ajceb-1884	44	20	rate	rate	NOUN
ajceb-1884	44	21	(	(	PUNCT
ajceb-1884	44	22	ftpr	ftpr	ADJ
ajceb-1884	44	23	)	)	PUNCT
ajceb-1884	44	24	.	.	PUNCT
ajceb-1884	45	1	it	it	PRON
ajceb-1884	45	2	is	be	AUX
ajceb-1884	45	3	important	important	ADJ
ajceb-1884	45	4	to	to	PART
ajceb-1884	45	5	note	note	VERB
ajceb-1884	45	6	that	that	SCONJ
ajceb-1884	45	7	financial	financial	ADJ
ajceb-1884	45	8	markets	market	NOUN
ajceb-1884	45	9	,	,	PUNCT
ajceb-1884	45	10	although	although	SCONJ
ajceb-1884	45	11	dominant	dominant	ADJ
ajceb-1884	45	12	,	,	PUNCT
ajceb-1884	45	13	are	be	AUX
ajceb-1884	45	14	not	not	PART
ajceb-1884	45	15	the	the	DET
ajceb-1884	45	16	only	only	ADJ
ajceb-1884	45	17	source	source	NOUN
ajceb-1884	45	18	of	of	ADP
ajceb-1884	45	19	funds	fund	NOUN
ajceb-1884	45	20	.	.	PUNCT
ajceb-1884	46	1	even	even	ADV
ajceb-1884	46	2	though	though	SCONJ
ajceb-1884	46	3	a	a	DET
ajceb-1884	46	4	certain	certain	ADJ
ajceb-1884	46	5	proportion	proportion	NOUN
ajceb-1884	46	6	of	of	ADP
ajceb-1884	46	7	lending	lending	NOUN
ajceb-1884	46	8	will	will	AUX
ajceb-1884	46	9	be	be	AUX
ajceb-1884	46	10	funded	fund	VERB
ajceb-1884	46	11	by	by	ADP
ajceb-1884	46	12	deposits	deposit	NOUN
ajceb-1884	46	13	held	hold	VERB
ajceb-1884	46	14	by	by	ADP
ajceb-1884	46	15	the	the	DET
ajceb-1884	46	16	lender	lender	NOUN
ajceb-1884	46	17	,	,	PUNCT
ajceb-1884	46	18	for	for	ADP
ajceb-1884	46	19	pricing	pricing	NOUN
ajceb-1884	46	20	purposes	purpose	NOUN
ajceb-1884	46	21	the	the	DET
ajceb-1884	46	22	lender‟s	lender‟s	ADJ
ajceb-1884	46	23	benchmark	benchmark	NOUN
ajceb-1884	46	24	base	base	NOUN
ajceb-1884	46	25	yield	yield	NOUN
ajceb-1884	46	26	curve	curve	NOUN
ajceb-1884	46	27	(	(	PUNCT
ajceb-1884	46	28	bbyc	bbyc	VERB
ajceb-1884	46	29	)	)	PUNCT
ajceb-1884	46	30	is	be	AUX
ajceb-1884	46	31	represented	represent	VERB
ajceb-1884	46	32	by	by	ADP
ajceb-1884	46	33	a	a	DET
ajceb-1884	46	34	weighted	weighted	ADJ
ajceb-1884	46	35	average	average	NOUN
ajceb-1884	46	36	of	of	ADP
ajceb-1884	46	37	funds	fund	NOUN
ajceb-1884	46	38	sourced	source	VERB
ajceb-1884	46	39	from	from	ADP
ajceb-1884	46	40	financial	financial	ADJ
ajceb-1884	46	41	markets	market	NOUN
ajceb-1884	46	42	,	,	PUNCT
ajceb-1884	46	43	across	across	ADP
ajceb-1884	46	44	the	the	DET
ajceb-1884	46	45	required	require	VERB
ajceb-1884	46	46	maturity	maturity	NOUN
ajceb-1884	46	47	spectrum	spectrum	NOUN
ajceb-1884	46	48	.	.	PUNCT
ajceb-1884	47	1	as	as	ADP
ajceb-1884	47	2	its	its	PRON
ajceb-1884	47	3	name	name	NOUN
ajceb-1884	47	4	states	state	NOUN
ajceb-1884	47	5	,	,	PUNCT
ajceb-1884	47	6	the	the	DET
ajceb-1884	47	7	ftpr	ftpr	NOUN
ajceb-1884	47	8	is	be	AUX
ajceb-1884	47	9	devised	devise	VERB
ajceb-1884	47	10	,	,	PUNCT
ajceb-1884	47	11	among	among	ADP
ajceb-1884	47	12	other	other	ADJ
ajceb-1884	47	13	things	thing	NOUN
ajceb-1884	47	14	,	,	PUNCT
ajceb-1884	47	15	to	to	PART
ajceb-1884	47	16	enable	enable	VERB
ajceb-1884	47	17	meaningful	meaningful	ADJ
ajceb-1884	47	18	funds	fund	NOUN
ajceb-1884	47	19	transfer	transfer	NOUN
ajceb-1884	47	20	between	between	ADP
ajceb-1884	47	21	different	different	ADJ
ajceb-1884	47	22	business	business	NOUN
ajceb-1884	47	23	units	unit	NOUN
ajceb-1884	47	24	(	(	PUNCT
ajceb-1884	47	25	normally	normally	ADV
ajceb-1884	47	26	between	between	ADP
ajceb-1884	47	27	the	the	DET
ajceb-1884	47	28	treasury	treasury	NOUN
ajceb-1884	47	29	and	and	CCONJ
ajceb-1884	47	30	various	various	ADJ
ajceb-1884	47	31	retailer	retailer	NOUN
ajceb-1884	47	32	business	business	NOUN
ajceb-1884	47	33	units	unit	NOUN
ajceb-1884	47	34	,	,	PUNCT
ajceb-1884	47	35	generally	generally	ADV
ajceb-1884	47	36	divided	divide	VERB
ajceb-1884	47	37	in	in	ADP
ajceb-1884	47	38	line	line	NOUN
ajceb-1884	47	39	with	with	ADP
ajceb-1884	47	40	the	the	DET
ajceb-1884	47	41	lender‟s	lender‟s	ADJ
ajceb-1884	47	42	borrower	borrower	NOUN
ajceb-1884	47	43	segmentation	segmentation	NOUN
ajceb-1884	47	44	)	)	PUNCT
ajceb-1884	47	45	.	.	PUNCT
ajceb-1884	48	1	the	the	DET
ajceb-1884	48	2	total	total	ADJ
ajceb-1884	48	3	ftpr	ftpr	PROPN
ajceb-1884	48	4	across	across	ADP
ajceb-1884	48	5	all	all	DET
ajceb-1884	48	6	defined	define	VERB
ajceb-1884	48	7	maturity	maturity	NOUN
ajceb-1884	48	8	points	point	NOUN
ajceb-1884	48	9	is	be	AUX
ajceb-1884	48	10	comprised	comprise	VERB
ajceb-1884	48	11	of	of	ADP
ajceb-1884	48	12	the	the	DET
ajceb-1884	48	13	bbyc	bbyc	ADJ
ajceb-1884	48	14	and	and	CCONJ
ajceb-1884	48	15	product	product	NOUN
ajceb-1884	48	16	-	-	PUNCT
ajceb-1884	48	17	based	base	VERB
ajceb-1884	48	18	risk	risk	NOUN
ajceb-1884	48	19	adjustments	adjustment	NOUN
ajceb-1884	48	20	.	.	PUNCT
ajceb-1884	49	1	ftpr	ftpr	PROPN
ajceb-1884	49	2	=	=	PRON
ajceb-1884	49	3	bbyc	bbyc	VERB
ajceb-1884	49	4	+	+	CCONJ
ajceb-1884	49	5	ras	ras	X
ajceb-1884	49	6	,	,	PUNCT
ajceb-1884	49	7	(	(	PUNCT
ajceb-1884	49	8	2	2	NUM
ajceb-1884	49	9	)	)	PUNCT
ajceb-1884	49	10	where	where	SCONJ
ajceb-1884	49	11	ras	ras	PROPN
ajceb-1884	49	12	represents	represent	VERB
ajceb-1884	49	13	risk	risk	NOUN
ajceb-1884	49	14	adjustments	adjustment	NOUN
ajceb-1884	49	15	.	.	PUNCT
ajceb-1884	50	1	there	there	PRON
ajceb-1884	50	2	may	may	AUX
ajceb-1884	50	3	be	be	AUX
ajceb-1884	50	4	instances	instance	NOUN
ajceb-1884	50	5	,	,	PUNCT
ajceb-1884	50	6	permanent	permanent	ADJ
ajceb-1884	50	7	or	or	CCONJ
ajceb-1884	50	8	temporary	temporary	ADJ
ajceb-1884	50	9	,	,	PUNCT
ajceb-1884	50	10	where	where	SCONJ
ajceb-1884	50	11	it	it	PRON
ajceb-1884	50	12	is	be	AUX
ajceb-1884	50	13	necessary	necessary	ADJ
ajceb-1884	50	14	to	to	PART
ajceb-1884	50	15	make	make	VERB
ajceb-1884	50	16	adjustments	adjustment	NOUN
ajceb-1884	50	17	to	to	ADP
ajceb-1884	50	18	the	the	DET
ajceb-1884	50	19	bbyc	bbyc	ADJ
ajceb-1884	50	20	rate	rate	NOUN
ajceb-1884	50	21	using	use	VERB
ajceb-1884	50	22	an	an	DET
ajceb-1884	50	23	ra	ra	NOUN
ajceb-1884	50	24	in	in	ADP
ajceb-1884	50	25	order	order	NOUN
ajceb-1884	50	26	to	to	PART
ajceb-1884	50	27	transfer	transfer	VERB
ajceb-1884	50	28	any	any	DET
ajceb-1884	50	29	risk	risk	NOUN
ajceb-1884	50	30	associated	associate	VERB
ajceb-1884	50	31	with	with	ADP
ajceb-1884	50	32	particular	particular	ADJ
ajceb-1884	50	33	products	product	NOUN
ajceb-1884	50	34	or	or	CCONJ
ajceb-1884	50	35	to	to	PART
ajceb-1884	50	36	reflect	reflect	VERB
ajceb-1884	50	37	changes	change	NOUN
ajceb-1884	50	38	to	to	ADP
ajceb-1884	50	39	the	the	DET
ajceb-1884	50	40	lender‟s	lender‟s	ADJ
ajceb-1884	50	41	overall	overall	ADJ
ajceb-1884	50	42	relationship	relationship	NOUN
ajceb-1884	50	43	to	to	ADP
ajceb-1884	50	44	the	the	DET
ajceb-1884	50	45	bbyc	bbyc	NOUN
ajceb-1884	50	46	.	.	PUNCT
ajceb-1884	51	1	ras	ras	PROPN
ajceb-1884	51	2	will	will	AUX
ajceb-1884	51	3	normally	normally	ADV
ajceb-1884	51	4	occur	occur	VERB
ajceb-1884	51	5	for	for	ADP
ajceb-1884	51	6	reasons	reason	NOUN
ajceb-1884	51	7	of	of	ADP
ajceb-1884	51	8	liquidity	liquidity	NOUN
ajceb-1884	51	9	risk	risk	NOUN
ajceb-1884	51	10	and	and	CCONJ
ajceb-1884	51	11	optionality	optionality	NOUN
ajceb-1884	51	12	risk	risk	NOUN
ajceb-1884	51	13	.	.	PUNCT
ajceb-1884	52	1	the	the	DET
ajceb-1884	52	2	risk	risk	NOUN
ajceb-1884	52	3	premiums	premium	NOUN
ajceb-1884	52	4	generated	generate	VERB
ajceb-1884	52	5	by	by	ADP
ajceb-1884	52	6	the	the	DET
ajceb-1884	52	7	risk	risk	NOUN
ajceb-1884	52	8	transfer	transfer	NOUN
ajceb-1884	52	9	processes	process	NOUN
ajceb-1884	52	10	must	must	AUX
ajceb-1884	52	11	be	be	AUX
ajceb-1884	52	12	explicitly	explicitly	ADV
ajceb-1884	52	13	set	set	VERB
ajceb-1884	52	14	for	for	ADP
ajceb-1884	52	15	each	each	DET
ajceb-1884	52	16	product	product	NOUN
ajceb-1884	52	17	and	and	CCONJ
ajceb-1884	52	18	their	their	PRON
ajceb-1884	52	19	appropriateness	appropriateness	NOUN
ajceb-1884	52	20	must	must	AUX
ajceb-1884	52	21	be	be	AUX
ajceb-1884	52	22	monitored	monitor	VERB
ajceb-1884	52	23	.	.	PUNCT
ajceb-1884	53	1	any	any	DET
ajceb-1884	53	2	ras	ras	NOUN
ajceb-1884	53	3	adopted	adopt	VERB
ajceb-1884	53	4	by	by	ADP
ajceb-1884	53	5	a	a	DET
ajceb-1884	53	6	lender	lender	NOUN
ajceb-1884	53	7	must	must	AUX
ajceb-1884	53	8	be	be	AUX
ajceb-1884	53	9	supported	support	VERB
ajceb-1884	53	10	by	by	ADP
ajceb-1884	53	11	an	an	DET
ajceb-1884	53	12	appropriate	appropriate	ADJ
ajceb-1884	53	13	analysis	analysis	NOUN
ajceb-1884	53	14	and	and	CCONJ
ajceb-1884	53	15	approved	approve	VERB
ajceb-1884	53	16	by	by	ADP
ajceb-1884	53	17	the	the	DET
ajceb-1884	53	18	lender‟s	lender‟s	ADJ
ajceb-1884	53	19	management	management	NOUN
ajceb-1884	53	20	prior	prior	ADV
ajceb-1884	53	21	to	to	ADP
ajceb-1884	53	22	implementation	implementation	NOUN
ajceb-1884	53	23	.	.	PUNCT
ajceb-1884	54	1	to	to	PART
ajceb-1884	54	2	ensure	ensure	VERB
ajceb-1884	54	3	the	the	DET
ajceb-1884	54	4	liquidity	liquidity	NOUN
ajceb-1884	54	5	risk	risk	NOUN
ajceb-1884	54	6	is	be	AUX
ajceb-1884	54	7	adequately	adequately	ADV
ajceb-1884	54	8	reflected	reflect	VERB
ajceb-1884	54	9	through	through	ADP
ajceb-1884	54	10	the	the	DET
ajceb-1884	54	11	fund	fund	NOUN
ajceb-1884	54	12	transfer	transfer	NOUN
ajceb-1884	54	13	pricing	pricing	NOUN
ajceb-1884	54	14	process	process	NOUN
ajceb-1884	54	15	,	,	PUNCT
ajceb-1884	54	16	a	a	DET
ajceb-1884	54	17	liquidity	liquidity	NOUN
ajceb-1884	54	18	premium	premium	NOUN
ajceb-1884	54	19	should	should	AUX
ajceb-1884	54	20	be	be	AUX
ajceb-1884	54	21	added	add	VERB
ajceb-1884	54	22	to	to	ADP
ajceb-1884	54	23	the	the	DET
ajceb-1884	54	24	bbyc	bbyc	NOUN
ajceb-1884	54	25	.	.	PUNCT
ajceb-1884	55	1	this	this	PRON
ajceb-1884	55	2	is	be	AUX
ajceb-1884	55	3	mainly	mainly	ADV
ajceb-1884	55	4	influenced	influence	VERB
ajceb-1884	55	5	by	by	ADP
ajceb-1884	55	6	the	the	DET
ajceb-1884	55	7	premium	premium	NOUN
ajceb-1884	55	8	price	price	NOUN
ajceb-1884	55	9	in	in	ADP
ajceb-1884	55	10	financial	financial	ADJ
ajceb-1884	55	11	markets	market	NOUN
ajceb-1884	55	12	for	for	ADP
ajceb-1884	55	13	longer	long	ADJ
ajceb-1884	55	14	-	-	PUNCT
ajceb-1884	55	15	term	term	NOUN
ajceb-1884	55	16	funds5	funds5	NOUN
ajceb-1884	55	17	,	,	PUNCT
ajceb-1884	55	18	financial	financial	ADJ
ajceb-1884	55	19	markets	market	NOUN
ajceb-1884	55	20	valuation	valuation	NOUN
ajceb-1884	55	21	of	of	ADP
ajceb-1884	55	22	the	the	DET
ajceb-1884	55	23	lender‟s	lender‟s	ADJ
ajceb-1884	55	24	creditworthiness6	creditworthiness6	NOUN
ajceb-1884	55	25	and/or	and/or	CCONJ
ajceb-1884	55	26	periodic	periodic	ADJ
ajceb-1884	55	27	changes	change	NOUN
ajceb-1884	55	28	in	in	ADP
ajceb-1884	55	29	global	global	ADJ
ajceb-1884	55	30	capital	capital	NOUN
ajceb-1884	55	31	flows7	flows7	NOUN
ajceb-1884	55	32	.	.	PUNCT
ajceb-1884	56	1	overall	overall	ADJ
ajceb-1884	56	2	,	,	PUNCT
ajceb-1884	56	3	liquidity	liquidity	NOUN
ajceb-1884	56	4	risk	risk	NOUN
ajceb-1884	56	5	can	can	AUX
ajceb-1884	56	6	be	be	AUX
ajceb-1884	56	7	defined	define	VERB
ajceb-1884	56	8	as	as	ADP
ajceb-1884	56	9	financial	financial	ADJ
ajceb-1884	56	10	risk	risk	NOUN
ajceb-1884	56	11	due	due	ADP
ajceb-1884	56	12	to	to	ADP
ajceb-1884	56	13	uncertain	uncertain	ADJ
ajceb-1884	56	14	liquidity	liquidity	NOUN
ajceb-1884	56	15	.	.	PUNCT
ajceb-1884	57	1	lenders‟	lenders‟	PROPN
ajceb-1884	57	2	treasury	treasury	PROPN
ajceb-1884	57	3	departments	department	NOUN
ajceb-1884	57	4	are	be	AUX
ajceb-1884	57	5	4	4	NUM
ajceb-1884	57	6	an	an	DET
ajceb-1884	57	7	interesting	interesting	ADJ
ajceb-1884	57	8	example	example	NOUN
ajceb-1884	57	9	how	how	SCONJ
ajceb-1884	57	10	simplified	simplified	ADJ
ajceb-1884	57	11	version	version	NOUN
ajceb-1884	57	12	of	of	ADP
ajceb-1884	57	13	the	the	DET
ajceb-1884	57	14	calculation	calculation	NOUN
ajceb-1884	57	15	can	can	AUX
ajceb-1884	57	16	be	be	AUX
ajceb-1884	57	17	utilised	utilise	VERB
ajceb-1884	57	18	is	be	AUX
ajceb-1884	57	19	provided	provide	VERB
ajceb-1884	57	20	by	by	ADP
ajceb-1884	57	21	kosonen	kosonen	X
ajceb-1884	57	22	(	(	PUNCT
ajceb-1884	57	23	1997	1997	NUM
ajceb-1884	57	24	)	)	PUNCT
ajceb-1884	57	25	.	.	PUNCT
ajceb-1884	58	1	5	5	NUM
ajceb-1884	58	2	there	there	PRON
ajceb-1884	58	3	is	be	VERB
ajceb-1884	58	4	„	„	PUNCT
ajceb-1884	58	5	natural‟	natural‟	ADJ
ajceb-1884	58	6	interest	interest	NOUN
ajceb-1884	58	7	rate	rate	NOUN
ajceb-1884	58	8	premium	premium	NOUN
ajceb-1884	58	9	in	in	ADP
ajceb-1884	58	10	financial	financial	ADJ
ajceb-1884	58	11	markets	market	NOUN
ajceb-1884	58	12	for	for	ADP
ajceb-1884	58	13	longer	long	ADJ
ajceb-1884	58	14	term	term	NOUN
ajceb-1884	58	15	funds	fund	NOUN
ajceb-1884	58	16	.	.	PUNCT
ajceb-1884	59	1	6	6	NUM
ajceb-1884	59	2	according	accord	VERB
ajceb-1884	59	3	to	to	ADP
ajceb-1884	59	4	moody	moody	PROPN
ajceb-1884	59	5	(	(	PUNCT
ajceb-1884	59	6	2010	2010	NUM
ajceb-1884	59	7	)	)	PUNCT
ajceb-1884	59	8	,	,	PUNCT
ajceb-1884	59	9	its	its	PRON
ajceb-1884	59	10	creditworthiness	creditworthiness	NOUN
ajceb-1884	59	11	analysis	analysis	NOUN
ajceb-1884	59	12	focuses	focus	VERB
ajceb-1884	59	13	on	on	ADP
ajceb-1884	59	14	the	the	DET
ajceb-1884	59	15	fundamental	fundamental	ADJ
ajceb-1884	59	16	factors	factor	NOUN
ajceb-1884	59	17	of	of	ADP
ajceb-1884	59	18	lender‟s	lender‟s	ADV
ajceb-1884	59	19	long	long	ADJ
ajceb-1884	59	20	and	and	CCONJ
ajceb-1884	59	21	short	short	ADJ
ajceb-1884	59	22	term	term	NOUN
ajceb-1884	59	23	risk	risk	NOUN
ajceb-1884	59	24	profile	profile	NOUN
ajceb-1884	59	25	:	:	PUNCT
ajceb-1884	59	26	“	"	PUNCT
ajceb-1884	59	27	the	the	DET
ajceb-1884	59	28	foundation	foundation	NOUN
ajceb-1884	59	29	of	of	ADP
ajceb-1884	59	30	moody	moody	PROPN
ajceb-1884	59	31	's	's	PART
ajceb-1884	59	32	methodology	methodology	NOUN
ajceb-1884	59	33	rests	rest	VERB
ajceb-1884	59	34	on	on	ADP
ajceb-1884	59	35	two	two	NUM
ajceb-1884	59	36	basic	basic	ADJ
ajceb-1884	59	37	questions	question	NOUN
ajceb-1884	59	38	:	:	PUNCT
ajceb-1884	59	39	(	(	PUNCT
ajceb-1884	59	40	i	i	NOUN
ajceb-1884	59	41	)	)	PUNCT
ajceb-1884	59	42	what	what	PRON
ajceb-1884	59	43	is	be	AUX
ajceb-1884	59	44	the	the	DET
ajceb-1884	59	45	risk	risk	NOUN
ajceb-1884	59	46	to	to	ADP
ajceb-1884	59	47	the	the	DET
ajceb-1884	59	48	debtholder	debtholder	NOUN
ajceb-1884	59	49	of	of	ADP
ajceb-1884	59	50	not	not	PART
ajceb-1884	59	51	receiving	receive	VERB
ajceb-1884	59	52	timely	timely	ADJ
ajceb-1884	59	53	payment	payment	NOUN
ajceb-1884	59	54	of	of	ADP
ajceb-1884	59	55	principal	principal	NOUN
ajceb-1884	59	56	and	and	CCONJ
ajceb-1884	59	57	interest	interest	NOUN
ajceb-1884	59	58	on	on	ADP
ajceb-1884	59	59	this	this	DET
ajceb-1884	59	60	specific	specific	ADJ
ajceb-1884	59	61	debt	debt	NOUN
ajceb-1884	59	62	security	security	NOUN
ajceb-1884	59	63	?	?	PUNCT
ajceb-1884	59	64	,	,	PUNCT
ajceb-1884	59	65	and	and	CCONJ
ajceb-1884	59	66	(	(	PUNCT
ajceb-1884	59	67	ii	ii	NOUN
ajceb-1884	59	68	)	)	PUNCT
ajceb-1884	59	69	how	how	SCONJ
ajceb-1884	59	70	does	do	AUX
ajceb-1884	59	71	the	the	DET
ajceb-1884	59	72	level	level	NOUN
ajceb-1884	59	73	of	of	ADP
ajceb-1884	59	74	risk	risk	NOUN
ajceb-1884	59	75	compare	compare	VERB
ajceb-1884	59	76	with	with	ADP
ajceb-1884	59	77	that	that	PRON
ajceb-1884	59	78	of	of	ADP
ajceb-1884	59	79	all	all	DET
ajceb-1884	59	80	other	other	ADJ
ajceb-1884	59	81	debt	debt	NOUN
ajceb-1884	59	82	securities	security	NOUN
ajceb-1884	59	83	?	?	PUNCT
ajceb-1884	59	84	”	"	PUNCT
ajceb-1884	59	85	7	7	NUM
ajceb-1884	59	86	such	such	ADJ
ajceb-1884	59	87	as	as	ADP
ajceb-1884	59	88	the	the	DET
ajceb-1884	59	89	one	one	NOUN
ajceb-1884	59	90	triggered	trigger	VERB
ajceb-1884	59	91	by	by	ADP
ajceb-1884	59	92	the	the	DET
ajceb-1884	59	93	gfc	gfc	NOUN
ajceb-1884	59	94	.	.	PUNCT
ajceb-1884	60	1	according	accord	VERB
ajceb-1884	60	2	to	to	ADP
ajceb-1884	60	3	ellis	ellis	PROPN
ajceb-1884	60	4	(	(	PUNCT
ajceb-1884	60	5	2009	2009	NUM
ajceb-1884	60	6	)	)	PUNCT
ajceb-1884	60	7	the	the	DET
ajceb-1884	60	8	following	follow	VERB
ajceb-1884	60	9	three	three	NUM
ajceb-1884	60	10	are	be	AUX
ajceb-1884	60	11	the	the	DET
ajceb-1884	60	12	major	major	ADJ
ajceb-1884	60	13	causes	cause	NOUN
ajceb-1884	60	14	of	of	ADP
ajceb-1884	60	15	the	the	DET
ajceb-1884	60	16	gfc	gfc	NOUN
ajceb-1884	60	17	:	:	PUNCT
ajceb-1884	60	18	the	the	DET
ajceb-1884	60	19	misperception	misperception	NOUN
ajceb-1884	60	20	and	and	CCONJ
ajceb-1884	60	21	mismanagement	mismanagement	NOUN
ajceb-1884	60	22	of	of	ADP
ajceb-1884	60	23	risk	risk	NOUN
ajceb-1884	60	24	;	;	PUNCT
ajceb-1884	60	25	the	the	DET
ajceb-1884	60	26	level	level	NOUN
ajceb-1884	60	27	of	of	ADP
ajceb-1884	60	28	interest	interest	NOUN
ajceb-1884	60	29	rates	rate	NOUN
ajceb-1884	60	30	;	;	PUNCT
ajceb-1884	60	31	and	and	CCONJ
ajceb-1884	60	32	the	the	DET
ajceb-1884	60	33	regulation	regulation	NOUN
ajceb-1884	60	34	of	of	ADP
ajceb-1884	60	35	the	the	DET
ajceb-1884	60	36	financial	financial	ADJ
ajceb-1884	60	37	system	system	NOUN
ajceb-1884	60	38	.	.	PUNCT
ajceb-1884	61	1	australasian	australasian	ADJ
ajceb-1884	61	2	journal	journal	NOUN
ajceb-1884	61	3	of	of	ADP
ajceb-1884	61	4	construction	construction	NOUN
ajceb-1884	61	5	economics	economic	NOUN
ajceb-1884	61	6	and	and	CCONJ
ajceb-1884	61	7	building	building	PROPN
ajceb-1884	61	8	karamujic	karamujic	PROPN
ajceb-1884	61	9	,	,	PUNCT
ajceb-1884	61	10	h	h	NOUN
ajceb-1884	61	11	m	m	VERB
ajceb-1884	61	12	(	(	PUNCT
ajceb-1884	61	13	2010	2010	NUM
ajceb-1884	61	14	)	)	PUNCT
ajceb-1884	62	1	‘	'	PUNCT
ajceb-1884	62	2	an	an	DET
ajceb-1884	62	3	investigation	investigation	NOUN
ajceb-1884	62	4	into	into	ADP
ajceb-1884	62	5	the	the	DET
ajceb-1884	62	6	fundamental	fundamental	ADJ
ajceb-1884	62	7	drivers	driver	NOUN
ajceb-1884	62	8	of	of	ADP
ajceb-1884	62	9	pricing	pricing	NOUN
ajceb-1884	62	10	of	of	ADP
ajceb-1884	62	11	residential	residential	ADJ
ajceb-1884	62	12	mortgage	mortgage	NOUN
ajceb-1884	62	13	products	product	NOUN
ajceb-1884	62	14	–	–	PUNCT
ajceb-1884	62	15	a	a	DET
ajceb-1884	62	16	risk	risk	NOUN
ajceb-1884	62	17	pricing	pricing	NOUN
ajceb-1884	62	18	viewpoint	viewpoint	NOUN
ajceb-1884	62	19	’	'	PUNCT
ajceb-1884	62	20	,	,	PUNCT
ajceb-1884	62	21	australasian	australasian	ADJ
ajceb-1884	62	22	journal	journal	NOUN
ajceb-1884	62	23	of	of	ADP
ajceb-1884	62	24	construction	construction	NOUN
ajceb-1884	62	25	economics	economic	NOUN
ajceb-1884	62	26	and	and	CCONJ
ajceb-1884	62	27	building	building	NOUN
ajceb-1884	62	28	,	,	PUNCT
ajceb-1884	62	29	10	10	NUM
ajceb-1884	62	30	(	(	PUNCT
ajceb-1884	62	31	4	4	NUM
ajceb-1884	62	32	)	)	SYM
ajceb-1884	62	33	60	60	NUM
ajceb-1884	62	34	-	-	SYM
ajceb-1884	62	35	72	72	NUM
ajceb-1884	62	36	63	63	NUM
ajceb-1884	62	37	generally	generally	ADV
ajceb-1884	62	38	the	the	DET
ajceb-1884	62	39	ones	one	NOUN
ajceb-1884	62	40	that	that	PRON
ajceb-1884	62	41	assess	assess	VERB
ajceb-1884	62	42	the	the	DET
ajceb-1884	62	43	best	good	ADJ
ajceb-1884	62	44	representative	representative	NOUN
ajceb-1884	62	45	spread	spread	NOUN
ajceb-1884	62	46	to	to	ADP
ajceb-1884	62	47	the	the	DET
ajceb-1884	62	48	bbyc	bbyc	NOUN
ajceb-1884	62	49	,	,	PUNCT
ajceb-1884	62	50	at	at	ADP
ajceb-1884	62	51	all	all	DET
ajceb-1884	62	52	maturity	maturity	NOUN
ajceb-1884	62	53	points	point	NOUN
ajceb-1884	62	54	,	,	PUNCT
ajceb-1884	62	55	and	and	CCONJ
ajceb-1884	62	56	that	that	PRON
ajceb-1884	62	57	apply	apply	VERB
ajceb-1884	62	58	liquidity	liquidity	NOUN
ajceb-1884	62	59	premiums	premium	NOUN
ajceb-1884	62	60	across	across	ADP
ajceb-1884	62	61	the	the	DET
ajceb-1884	62	62	bbyc	bbyc	NOUN
ajceb-1884	62	63	at	at	ADP
ajceb-1884	62	64	the	the	DET
ajceb-1884	62	65	appropriate	appropriate	ADJ
ajceb-1884	62	66	points	point	NOUN
ajceb-1884	62	67	.	.	PUNCT
ajceb-1884	63	1	for	for	ADP
ajceb-1884	63	2	all	all	DET
ajceb-1884	63	3	products	product	NOUN
ajceb-1884	63	4	,	,	PUNCT
ajceb-1884	63	5	the	the	DET
ajceb-1884	63	6	liquidity	liquidity	NOUN
ajceb-1884	63	7	premium	premium	NOUN
ajceb-1884	63	8	must	must	AUX
ajceb-1884	63	9	be	be	AUX
ajceb-1884	63	10	based	base	VERB
ajceb-1884	63	11	on	on	ADP
ajceb-1884	63	12	the	the	DET
ajceb-1884	63	13	contractual	contractual	ADJ
ajceb-1884	63	14	maturity	maturity	NOUN
ajceb-1884	63	15	as	as	SCONJ
ajceb-1884	63	16	opposed	oppose	VERB
ajceb-1884	63	17	to	to	ADP
ajceb-1884	63	18	the	the	DET
ajceb-1884	63	19	term	term	NOUN
ajceb-1884	63	20	to	to	ADP
ajceb-1884	63	21	the	the	DET
ajceb-1884	63	22	next	next	ADJ
ajceb-1884	63	23	repricing	repricing	NOUN
ajceb-1884	63	24	.	.	PUNCT
ajceb-1884	64	1	the	the	DET
ajceb-1884	64	2	liquidity	liquidity	NOUN
ajceb-1884	64	3	spread	spread	VERB
ajceb-1884	64	4	to	to	ADP
ajceb-1884	64	5	the	the	DET
ajceb-1884	64	6	bbyc	bbyc	NOUN
ajceb-1884	64	7	is	be	AUX
ajceb-1884	64	8	normally	normally	ADV
ajceb-1884	64	9	reviewed	review	VERB
ajceb-1884	64	10	annually	annually	ADV
ajceb-1884	64	11	.	.	PUNCT
ajceb-1884	65	1	by	by	ADP
ajceb-1884	65	2	allowing	allow	VERB
ajceb-1884	65	3	a	a	DET
ajceb-1884	65	4	product	product	NOUN
ajceb-1884	65	5	-	-	PUNCT
ajceb-1884	65	6	related	relate	VERB
ajceb-1884	65	7	option	option	NOUN
ajceb-1884	65	8	to	to	PART
ajceb-1884	65	9	be	be	AUX
ajceb-1884	65	10	embedded	embed	VERB
ajceb-1884	65	11	in	in	ADP
ajceb-1884	65	12	product	product	NOUN
ajceb-1884	65	13	change	change	NOUN
ajceb-1884	65	14	schedules	schedule	NOUN
ajceb-1884	65	15	of	of	ADP
ajceb-1884	65	16	the	the	DET
ajceb-1884	65	17	lending	lending	NOUN
ajceb-1884	65	18	contract	contract	NOUN
ajceb-1884	65	19	,	,	PUNCT
ajceb-1884	65	20	the	the	DET
ajceb-1884	65	21	lender	lender	NOUN
ajceb-1884	65	22	faces	face	VERB
ajceb-1884	65	23	an	an	DET
ajceb-1884	65	24	additional	additional	ADJ
ajceb-1884	65	25	interest	interest	NOUN
ajceb-1884	65	26	rate	rate	NOUN
ajceb-1884	65	27	risk	risk	NOUN
ajceb-1884	65	28	.	.	PUNCT
ajceb-1884	66	1	the	the	DET
ajceb-1884	66	2	two	two	NUM
ajceb-1884	66	3	most	most	ADV
ajceb-1884	66	4	common	common	ADJ
ajceb-1884	66	5	examples	example	NOUN
ajceb-1884	66	6	of	of	ADP
ajceb-1884	66	7	optionality	optionality	NOUN
ajceb-1884	66	8	entailed	entail	VERB
ajceb-1884	66	9	within	within	ADP
ajceb-1884	66	10	a	a	DET
ajceb-1884	66	11	home	home	NOUN
ajceb-1884	66	12	loan	loan	NOUN
ajceb-1884	66	13	product	product	NOUN
ajceb-1884	66	14	are	be	AUX
ajceb-1884	66	15	:	:	PUNCT
ajceb-1884	66	16	early	early	ADJ
ajceb-1884	66	17	repayment	repayment	NOUN
ajceb-1884	66	18	or	or	CCONJ
ajceb-1884	66	19	prepayment	prepayment	NOUN
ajceb-1884	66	20	,	,	PUNCT
ajceb-1884	66	21	and	and	CCONJ
ajceb-1884	66	22	repricing	repricing	NOUN
ajceb-1884	66	23	.	.	PUNCT
ajceb-1884	67	1	an	an	DET
ajceb-1884	67	2	example	example	NOUN
ajceb-1884	67	3	of	of	ADP
ajceb-1884	67	4	early	early	ADJ
ajceb-1884	67	5	repayment	repayment	NOUN
ajceb-1884	67	6	optionality	optionality	NOUN
ajceb-1884	67	7	is	be	AUX
ajceb-1884	67	8	when	when	SCONJ
ajceb-1884	67	9	a	a	DET
ajceb-1884	67	10	borrower	borrower	NOUN
ajceb-1884	67	11	has	have	VERB
ajceb-1884	67	12	the	the	DET
ajceb-1884	67	13	implicit	implicit	ADJ
ajceb-1884	67	14	or	or	CCONJ
ajceb-1884	67	15	explicit	explicit	ADJ
ajceb-1884	67	16	ability	ability	NOUN
ajceb-1884	67	17	to	to	PART
ajceb-1884	67	18	terminate	terminate	VERB
ajceb-1884	67	19	all	all	PRON
ajceb-1884	67	20	or	or	CCONJ
ajceb-1884	67	21	part	part	NOUN
ajceb-1884	67	22	of	of	ADP
ajceb-1884	67	23	a	a	DET
ajceb-1884	67	24	“	"	PUNCT
ajceb-1884	67	25	fixed	fixed	ADJ
ajceb-1884	67	26	term	term	NOUN
ajceb-1884	67	27	”	"	PUNCT
ajceb-1884	67	28	home	home	NOUN
ajceb-1884	67	29	loan	loan	NOUN
ajceb-1884	67	30	contract	contract	NOUN
ajceb-1884	67	31	without	without	ADP
ajceb-1884	67	32	incurring	incur	VERB
ajceb-1884	67	33	the	the	DET
ajceb-1884	67	34	payment	payment	NOUN
ajceb-1884	67	35	of	of	ADP
ajceb-1884	67	36	economic	economic	ADJ
ajceb-1884	67	37	cost	cost	NOUN
ajceb-1884	67	38	8	8	NUM
ajceb-1884	67	39	.	.	PUNCT
ajceb-1884	68	1	this	this	PRON
ajceb-1884	68	2	would	would	AUX
ajceb-1884	68	3	definitely	definitely	ADV
ajceb-1884	68	4	impact	impact	VERB
ajceb-1884	68	5	on	on	ADP
ajceb-1884	68	6	the	the	DET
ajceb-1884	68	7	pricing	pricing	NOUN
ajceb-1884	68	8	base	base	NOUN
ajceb-1884	68	9	and	and	CCONJ
ajceb-1884	68	10	hence	hence	ADV
ajceb-1884	68	11	the	the	DET
ajceb-1884	68	12	optionality	optionality	NOUN
ajceb-1884	68	13	risk	risk	NOUN
ajceb-1884	68	14	has	have	VERB
ajceb-1884	68	15	to	to	PART
ajceb-1884	68	16	be	be	AUX
ajceb-1884	68	17	calculated	calculate	VERB
ajceb-1884	68	18	and	and	CCONJ
ajceb-1884	68	19	added	add	VERB
ajceb-1884	68	20	as	as	ADP
ajceb-1884	68	21	an	an	DET
ajceb-1884	68	22	ra	ra	NOUN
ajceb-1884	68	23	.	.	PUNCT
ajceb-1884	69	1	a	a	DET
ajceb-1884	69	2	repricing	reprice	VERB
ajceb-1884	69	3	optionality	optionality	NOUN
ajceb-1884	69	4	arises	arise	VERB
ajceb-1884	69	5	when	when	SCONJ
ajceb-1884	69	6	,	,	PUNCT
ajceb-1884	69	7	for	for	ADP
ajceb-1884	69	8	example	example	NOUN
ajceb-1884	69	9	,	,	PUNCT
ajceb-1884	69	10	a	a	DET
ajceb-1884	69	11	borrower	borrower	NOUN
ajceb-1884	69	12	is	be	AUX
ajceb-1884	69	13	given	give	VERB
ajceb-1884	69	14	the	the	DET
ajceb-1884	69	15	option	option	NOUN
ajceb-1884	69	16	to	to	PART
ajceb-1884	69	17	reprice	reprice	VERB
ajceb-1884	69	18	a	a	DET
ajceb-1884	69	19	product	product	NOUN
ajceb-1884	69	20	(	(	PUNCT
ajceb-1884	69	21	i.e.	i.e.	X
ajceb-1884	69	22	change	change	VERB
ajceb-1884	69	23	the	the	DET
ajceb-1884	69	24	interest	interest	NOUN
ajceb-1884	69	25	rate	rate	NOUN
ajceb-1884	69	26	)	)	PUNCT
ajceb-1884	69	27	at	at	ADP
ajceb-1884	69	28	specified	specify	VERB
ajceb-1884	69	29	time	time	NOUN
ajceb-1884	69	30	intervals	interval	NOUN
ajceb-1884	69	31	.	.	PUNCT
ajceb-1884	70	1	loan	loan	NOUN
ajceb-1884	70	2	loss	loss	NOUN
ajceb-1884	70	3	provision	provision	NOUN
ajceb-1884	70	4	(	(	PUNCT
ajceb-1884	70	5	llp	llp	PROPN
ajceb-1884	70	6	)	)	PUNCT
ajceb-1884	70	7	loan	loan	NOUN
ajceb-1884	70	8	loss	loss	NOUN
ajceb-1884	70	9	provisioning	provisioning	NOUN
ajceb-1884	70	10	(	(	PUNCT
ajceb-1884	70	11	llp	llp	PROPN
ajceb-1884	70	12	)	)	PUNCT
ajceb-1884	70	13	is	be	AUX
ajceb-1884	70	14	a	a	DET
ajceb-1884	70	15	part	part	NOUN
ajceb-1884	70	16	of	of	ADP
ajceb-1884	70	17	the	the	DET
ajceb-1884	70	18	cost	cost	NOUN
ajceb-1884	70	19	structure	structure	NOUN
ajceb-1884	70	20	of	of	ADP
ajceb-1884	70	21	providing	provide	VERB
ajceb-1884	70	22	a	a	DET
ajceb-1884	70	23	home	home	NOUN
ajceb-1884	70	24	loan	loan	NOUN
ajceb-1884	70	25	that	that	PRON
ajceb-1884	70	26	encompasses	encompass	VERB
ajceb-1884	70	27	all	all	DET
ajceb-1884	70	28	the	the	DET
ajceb-1884	70	29	risks	risk	NOUN
ajceb-1884	70	30	associated	associate	VERB
ajceb-1884	70	31	to	to	ADP
ajceb-1884	70	32	providing	provide	VERB
ajceb-1884	70	33	lending	lending	NOUN
ajceb-1884	70	34	products	product	NOUN
ajceb-1884	70	35	,	,	PUNCT
ajceb-1884	70	36	except	except	SCONJ
ajceb-1884	70	37	those	those	PRON
ajceb-1884	70	38	related	relate	VERB
ajceb-1884	70	39	to	to	ADP
ajceb-1884	70	40	liquidity	liquidity	NOUN
ajceb-1884	70	41	and	and	CCONJ
ajceb-1884	70	42	optionality	optionality	NOUN
ajceb-1884	70	43	.	.	PUNCT
ajceb-1884	71	1	the	the	DET
ajceb-1884	71	2	lender‟s	lender‟s	PROPN
ajceb-1884	71	3	home	home	NOUN
ajceb-1884	71	4	loan	loan	NOUN
ajceb-1884	71	5	llp	llp	PROPN
ajceb-1884	71	6	is	be	AUX
ajceb-1884	71	7	comprised	comprise	VERB
ajceb-1884	71	8	of	of	ADP
ajceb-1884	71	9	the	the	DET
ajceb-1884	71	10	following	follow	VERB
ajceb-1884	71	11	two	two	NUM
ajceb-1884	71	12	components	component	NOUN
ajceb-1884	71	13	:	:	PUNCT
ajceb-1884	71	14	(	(	PUNCT
ajceb-1884	71	15	i	i	NOUN
ajceb-1884	71	16	)	)	PUNCT
ajceb-1884	71	17	a	a	DET
ajceb-1884	71	18	specific	specific	ADJ
ajceb-1884	71	19	provisioning	provisioning	NOUN
ajceb-1884	71	20	cost	cost	NOUN
ajceb-1884	71	21	(	(	PUNCT
ajceb-1884	71	22	risk	risk	NOUN
ajceb-1884	71	23	costs	cost	NOUN
ajceb-1884	71	24	associated	associate	VERB
ajceb-1884	71	25	to	to	PART
ajceb-1884	71	26	cycle	cycle	VERB
ajceb-1884	71	27	related	relate	VERB
ajceb-1884	71	28	long	long	ADJ
ajceb-1884	71	29	-	-	PUNCT
ajceb-1884	71	30	term	term	NOUN
ajceb-1884	71	31	losses	loss	NOUN
ajceb-1884	71	32	)	)	PUNCT
ajceb-1884	71	33	and	and	CCONJ
ajceb-1884	71	34	,	,	PUNCT
ajceb-1884	71	35	(	(	PUNCT
ajceb-1884	71	36	ii	ii	NOUN
ajceb-1884	71	37	)	)	PUNCT
ajceb-1884	71	38	a	a	DET
ajceb-1884	71	39	general	general	ADJ
ajceb-1884	71	40	provisioning	provision	VERB
ajceb-1884	71	41	cost	cost	NOUN
ajceb-1884	71	42	(	(	PUNCT
ajceb-1884	71	43	related	relate	VERB
ajceb-1884	71	44	to	to	PART
ajceb-1884	71	45	risk	risk	NOUN
ajceb-1884	71	46	costs	cost	NOUN
ajceb-1884	71	47	of	of	ADP
ajceb-1884	71	48	losses	loss	NOUN
ajceb-1884	71	49	already	already	ADV
ajceb-1884	71	50	present	present	ADJ
ajceb-1884	71	51	within	within	ADP
ajceb-1884	71	52	the	the	DET
ajceb-1884	71	53	portfolio	portfolio	NOUN
ajceb-1884	71	54	but	but	CCONJ
ajceb-1884	71	55	not	not	PART
ajceb-1884	71	56	yet	yet	ADV
ajceb-1884	71	57	specifically	specifically	ADV
ajceb-1884	71	58	identified	identify	VERB
ajceb-1884	71	59	)	)	PUNCT
ajceb-1884	71	60	.	.	PUNCT
ajceb-1884	72	1	as	as	ADP
ajceb-1884	72	2	with	with	ADP
ajceb-1884	72	3	any	any	DET
ajceb-1884	72	4	other	other	ADJ
ajceb-1884	72	5	cost	cost	NOUN
ajceb-1884	72	6	that	that	SCONJ
ajceb-1884	72	7	the	the	DET
ajceb-1884	72	8	lender	lender	NOUN
ajceb-1884	72	9	faces	face	VERB
ajceb-1884	72	10	,	,	PUNCT
ajceb-1884	72	11	the	the	DET
ajceb-1884	72	12	aim	aim	NOUN
ajceb-1884	72	13	is	be	AUX
ajceb-1884	72	14	to	to	PART
ajceb-1884	72	15	minimise	minimise	VERB
ajceb-1884	72	16	these	these	DET
ajceb-1884	72	17	risk	risk	NOUN
ajceb-1884	72	18	costs	cost	NOUN
ajceb-1884	72	19	,	,	PUNCT
ajceb-1884	72	20	subject	subject	ADJ
ajceb-1884	72	21	to	to	ADP
ajceb-1884	72	22	provisioning	provision	VERB
ajceb-1884	72	23	a	a	DET
ajceb-1884	72	24	sufficient	sufficient	ADJ
ajceb-1884	72	25	amount	amount	NOUN
ajceb-1884	72	26	of	of	ADP
ajceb-1884	72	27	capital	capital	NOUN
ajceb-1884	72	28	that	that	PRON
ajceb-1884	72	29	enables	enable	VERB
ajceb-1884	72	30	the	the	DET
ajceb-1884	72	31	lender	lender	NOUN
ajceb-1884	72	32	to	to	PART
ajceb-1884	72	33	cover	cover	VERB
ajceb-1884	72	34	possible	possible	ADJ
ajceb-1884	72	35	losses	loss	NOUN
ajceb-1884	72	36	for	for	ADP
ajceb-1884	72	37	activities	activity	NOUN
ajceb-1884	72	38	that	that	PRON
ajceb-1884	72	39	entail	entail	VERB
ajceb-1884	72	40	an	an	DET
ajceb-1884	72	41	element	element	NOUN
ajceb-1884	72	42	of	of	ADP
ajceb-1884	72	43	risk	risk	NOUN
ajceb-1884	72	44	.	.	PUNCT
ajceb-1884	73	1	the	the	DET
ajceb-1884	73	2	llp	llp	PROPN
ajceb-1884	73	3	cost	cost	NOUN
ajceb-1884	73	4	is	be	AUX
ajceb-1884	73	5	typically	typically	ADV
ajceb-1884	73	6	the	the	DET
ajceb-1884	73	7	second	second	ADV
ajceb-1884	73	8	largest	large	ADJ
ajceb-1884	73	9	home	home	NOUN
ajceb-1884	73	10	loan	loan	NOUN
ajceb-1884	73	11	pricing	pricing	NOUN
ajceb-1884	73	12	calculation	calculation	NOUN
ajceb-1884	73	13	cost	cost	NOUN
ajceb-1884	73	14	element	element	NOUN
ajceb-1884	73	15	,	,	PUNCT
ajceb-1884	73	16	hence	hence	ADV
ajceb-1884	73	17	the	the	DET
ajceb-1884	73	18	lenders	lender	NOUN
ajceb-1884	73	19	are	be	AUX
ajceb-1884	73	20	very	very	ADV
ajceb-1884	73	21	keen	keen	ADJ
ajceb-1884	73	22	to	to	PART
ajceb-1884	73	23	do	do	VERB
ajceb-1884	73	24	everything	everything	PRON
ajceb-1884	73	25	they	they	PRON
ajceb-1884	73	26	can	can	AUX
ajceb-1884	73	27	to	to	PART
ajceb-1884	73	28	reduce	reduce	VERB
ajceb-1884	73	29	the	the	DET
ajceb-1884	73	30	cost	cost	NOUN
ajceb-1884	73	31	of	of	ADP
ajceb-1884	73	32	achieving	achieve	VERB
ajceb-1884	73	33	capital	capital	NOUN
ajceb-1884	73	34	adequacy	adequacy	NOUN
ajceb-1884	73	35	(	(	PUNCT
ajceb-1884	73	36	the	the	DET
ajceb-1884	73	37	implicit	implicit	ADJ
ajceb-1884	73	38	logic	logic	NOUN
ajceb-1884	73	39	is	be	AUX
ajceb-1884	73	40	that	that	SCONJ
ajceb-1884	73	41	the	the	PRON
ajceb-1884	73	42	higher	high	ADJ
ajceb-1884	73	43	the	the	DET
ajceb-1884	73	44	risk	risk	NOUN
ajceb-1884	73	45	involved	involve	VERB
ajceb-1884	73	46	,	,	PUNCT
ajceb-1884	73	47	the	the	PRON
ajceb-1884	73	48	greater	great	ADJ
ajceb-1884	73	49	the	the	DET
ajceb-1884	73	50	capital	capital	NOUN
ajceb-1884	73	51	backing	backing	NOUN
ajceb-1884	73	52	required	require	VERB
ajceb-1884	73	53	)	)	PUNCT
ajceb-1884	73	54	.	.	PUNCT
ajceb-1884	74	1	therefore	therefore	ADV
ajceb-1884	74	2	,	,	PUNCT
ajceb-1884	74	3	the	the	DET
ajceb-1884	74	4	lender‟s	lender‟s	ADJ
ajceb-1884	74	5	aim	aim	NOUN
ajceb-1884	74	6	is	be	AUX
ajceb-1884	74	7	optimal	optimal	ADJ
ajceb-1884	74	8	provisioning	provisioning	NOUN
ajceb-1884	74	9	,	,	PUNCT
ajceb-1884	74	10	which	which	PRON
ajceb-1884	74	11	,	,	PUNCT
ajceb-1884	74	12	if	if	SCONJ
ajceb-1884	74	13	achieved	achieve	VERB
ajceb-1884	74	14	,	,	PUNCT
ajceb-1884	74	15	would	would	AUX
ajceb-1884	74	16	contribute	contribute	VERB
ajceb-1884	74	17	to	to	ADP
ajceb-1884	74	18	total	total	ADJ
ajceb-1884	74	19	cost	cost	NOUN
ajceb-1884	74	20	reduction	reduction	NOUN
ajceb-1884	74	21	.	.	PUNCT
ajceb-1884	75	1	equally	equally	ADV
ajceb-1884	75	2	,	,	PUNCT
ajceb-1884	75	3	sub	sub	ADJ
ajceb-1884	75	4	-	-	ADJ
ajceb-1884	75	5	optimal	optimal	ADJ
ajceb-1884	75	6	provisioning	provisioning	NOUN
ajceb-1884	75	7	will	will	AUX
ajceb-1884	75	8	most	most	ADV
ajceb-1884	75	9	definitely	definitely	ADV
ajceb-1884	75	10	increase	increase	VERB
ajceb-1884	75	11	total	total	ADJ
ajceb-1884	75	12	costs	cost	NOUN
ajceb-1884	75	13	of	of	ADP
ajceb-1884	75	14	operations	operation	NOUN
ajceb-1884	75	15	and	and	CCONJ
ajceb-1884	75	16	thus	thus	ADV
ajceb-1884	75	17	the	the	DET
ajceb-1884	75	18	cost	cost	NOUN
ajceb-1884	75	19	of	of	ADP
ajceb-1884	75	20	providing	provide	VERB
ajceb-1884	75	21	home	home	NOUN
ajceb-1884	75	22	loans	loan	NOUN
ajceb-1884	75	23	.	.	PUNCT
ajceb-1884	76	1	australian	australian	ADJ
ajceb-1884	76	2	prudential	prudential	PROPN
ajceb-1884	76	3	regulatory	regulatory	PROPN
ajceb-1884	76	4	authority	authority	NOUN
ajceb-1884	76	5	(	(	PUNCT
ajceb-1884	76	6	apra	apra	ADJ
ajceb-1884	76	7	)	)	PUNCT
ajceb-1884	76	8	,	,	PUNCT
ajceb-1884	76	9	as	as	ADP
ajceb-1884	76	10	its	its	PRON
ajceb-1884	76	11	name	name	NOUN
ajceb-1884	76	12	states	state	NOUN
ajceb-1884	76	13	,	,	PUNCT
ajceb-1884	76	14	is	be	AUX
ajceb-1884	76	15	the	the	DET
ajceb-1884	76	16	prudential	prudential	ADJ
ajceb-1884	76	17	regulator	regulator	NOUN
ajceb-1884	76	18	of	of	ADP
ajceb-1884	76	19	the	the	DET
ajceb-1884	76	20	financial	financial	ADJ
ajceb-1884	76	21	services	service	NOUN
ajceb-1884	76	22	industry	industry	NOUN
ajceb-1884	76	23	in	in	ADP
ajceb-1884	76	24	australia	australia	PROPN
ajceb-1884	76	25	.	.	PUNCT
ajceb-1884	77	1	its	its	PRON
ajceb-1884	77	2	primary	primary	ADJ
ajceb-1884	77	3	task	task	NOUN
ajceb-1884	77	4	is	be	AUX
ajceb-1884	77	5	to	to	PART
ajceb-1884	77	6	oversee	oversee	VERB
ajceb-1884	77	7	banks	bank	NOUN
ajceb-1884	77	8	,	,	PUNCT
ajceb-1884	77	9	credit	credit	NOUN
ajceb-1884	77	10	unions	union	NOUN
ajceb-1884	77	11	,	,	PUNCT
ajceb-1884	77	12	building	build	VERB
ajceb-1884	77	13	societies	society	NOUN
ajceb-1884	77	14	,	,	PUNCT
ajceb-1884	77	15	general	general	ADJ
ajceb-1884	77	16	insurance	insurance	NOUN
ajceb-1884	77	17	and	and	CCONJ
ajceb-1884	77	18	reinsurance	reinsurance	NOUN
ajceb-1884	77	19	companies	company	NOUN
ajceb-1884	77	20	,	,	PUNCT
ajceb-1884	77	21	life	life	NOUN
ajceb-1884	77	22	insurance	insurance	NOUN
ajceb-1884	77	23	companies	company	NOUN
ajceb-1884	77	24	and	and	CCONJ
ajceb-1884	77	25	friendly	friendly	ADJ
ajceb-1884	77	26	societies	society	NOUN
ajceb-1884	77	27	.	.	PUNCT
ajceb-1884	78	1	in	in	ADP
ajceb-1884	78	2	respect	respect	NOUN
ajceb-1884	78	3	of	of	ADP
ajceb-1884	78	4	provisioning	provisioning	NOUN
ajceb-1884	78	5	,	,	PUNCT
ajceb-1884	78	6	apra	apra	X
ajceb-1884	78	7	(	(	PUNCT
ajceb-1884	78	8	2010	2010	NUM
ajceb-1884	78	9	)	)	PUNCT
ajceb-1884	78	10	specifies	specifie	NOUN
ajceb-1884	78	11	that	that	SCONJ
ajceb-1884	78	12	australian	australian	ADJ
ajceb-1884	78	13	deposit	deposit	NOUN
ajceb-1884	78	14	taking	take	VERB
ajceb-1884	78	15	institutions	institution	NOUN
ajceb-1884	78	16	(	(	PUNCT
ajceb-1884	78	17	adis	adis	PROPN
ajceb-1884	78	18	)	)	PUNCT
ajceb-1884	78	19	that	that	PRON
ajceb-1884	78	20	are	be	AUX
ajceb-1884	78	21	predominantly	predominantly	ADV
ajceb-1884	78	22	banks	bank	NOUN
ajceb-1884	78	23	:	:	PUNCT
ajceb-1884	78	24	“	"	PUNCT
ajceb-1884	78	25	should	should	AUX
ajceb-1884	78	26	have	have	AUX
ajceb-1884	78	27	sound	sound	ADJ
ajceb-1884	78	28	provisioning	provision	VERB
ajceb-1884	78	29	policies	policy	NOUN
ajceb-1884	78	30	to	to	PART
ajceb-1884	78	31	ensure	ensure	VERB
ajceb-1884	78	32	asset	asset	NOUN
ajceb-1884	78	33	values	value	NOUN
ajceb-1884	78	34	,	,	PUNCT
ajceb-1884	78	35	earnings	earning	NOUN
ajceb-1884	78	36	and	and	CCONJ
ajceb-1884	78	37	capital	capital	NOUN
ajceb-1884	78	38	are	be	AUX
ajceb-1884	78	39	accurately	accurately	ADV
ajceb-1884	78	40	reported	report	VERB
ajceb-1884	78	41	.	.	PUNCT
ajceb-1884	79	1	an	an	DET
ajceb-1884	79	2	adi	adi	PROPN
ajceb-1884	79	3	's	's	PART
ajceb-1884	79	4	provisioning	provision	VERB
ajceb-1884	79	5	policy	policy	NOUN
ajceb-1884	79	6	should	should	AUX
ajceb-1884	79	7	cover	cover	VERB
ajceb-1884	79	8	both	both	CCONJ
ajceb-1884	79	9	specific	specific	ADJ
ajceb-1884	79	10	and	and	CCONJ
ajceb-1884	79	11	general	general	ADJ
ajceb-1884	79	12	provisions	provision	NOUN
ajceb-1884	79	13	.	.	PUNCT
ajceb-1884	80	1	specific	specific	ADJ
ajceb-1884	80	2	provisions	provision	NOUN
ajceb-1884	80	3	should	should	AUX
ajceb-1884	80	4	be	be	AUX
ajceb-1884	80	5	raised	raise	VERB
ajceb-1884	80	6	whenever	whenever	SCONJ
ajceb-1884	80	7	reasonable	reasonable	ADJ
ajceb-1884	80	8	doubt	doubt	NOUN
ajceb-1884	80	9	exists	exist	VERB
ajceb-1884	80	10	over	over	ADP
ajceb-1884	80	11	the	the	DET
ajceb-1884	80	12	recoverability	recoverability	NOUN
ajceb-1884	80	13	of	of	ADP
ajceb-1884	80	14	particular	particular	ADJ
ajceb-1884	80	15	exposures	exposure	NOUN
ajceb-1884	80	16	.	.	PUNCT
ajceb-1884	81	1	general	general	ADJ
ajceb-1884	81	2	provisions	provision	NOUN
ajceb-1884	81	3	cover	cover	VERB
ajceb-1884	81	4	the	the	DET
ajceb-1884	81	5	risks	risk	NOUN
ajceb-1884	81	6	which	which	PRON
ajceb-1884	81	7	are	be	AUX
ajceb-1884	81	8	inherent	inherent	ADJ
ajceb-1884	81	9	in	in	ADP
ajceb-1884	81	10	an	an	DET
ajceb-1884	81	11	adi‟s	adi‟s	NUM
ajceb-1884	81	12	business	business	NOUN
ajceb-1884	81	13	but	but	CCONJ
ajceb-1884	81	14	which	which	PRON
ajceb-1884	81	15	can	can	AUX
ajceb-1884	81	16	not	not	PART
ajceb-1884	81	17	be	be	AUX
ajceb-1884	81	18	attributed	attribute	VERB
ajceb-1884	81	19	to	to	ADP
ajceb-1884	81	20	particular	particular	ADJ
ajceb-1884	81	21	exposures	exposure	NOUN
ajceb-1884	81	22	.	.	PUNCT
ajceb-1884	81	23	”	"	PUNCT
ajceb-1884	82	1	the	the	DET
ajceb-1884	82	2	expertise	expertise	NOUN
ajceb-1884	82	3	of	of	ADP
ajceb-1884	82	4	risk	risk	NOUN
ajceb-1884	82	5	quantification	quantification	NOUN
ajceb-1884	82	6	,	,	PUNCT
ajceb-1884	82	7	relating	relate	VERB
ajceb-1884	82	8	to	to	ADP
ajceb-1884	82	9	the	the	DET
ajceb-1884	82	10	llp	llp	PROPN
ajceb-1884	82	11	,	,	PUNCT
ajceb-1884	82	12	is	be	AUX
ajceb-1884	82	13	based	base	VERB
ajceb-1884	82	14	on	on	ADP
ajceb-1884	82	15	the	the	DET
ajceb-1884	82	16	concepts	concept	NOUN
ajceb-1884	82	17	of	of	ADP
ajceb-1884	82	18	expected	expect	VERB
ajceb-1884	82	19	losses	loss	NOUN
ajceb-1884	82	20	(	(	PUNCT
ajceb-1884	82	21	el	el	NOUN
ajceb-1884	82	22	)	)	PUNCT
ajceb-1884	82	23	and	and	CCONJ
ajceb-1884	82	24	unexpected	unexpected	ADJ
ajceb-1884	82	25	losses	loss	NOUN
ajceb-1884	82	26	(	(	PUNCT
ajceb-1884	82	27	ul	ul	INTJ
ajceb-1884	82	28	)	)	PUNCT
ajceb-1884	82	29	.	.	PUNCT
ajceb-1884	83	1	the	the	DET
ajceb-1884	83	2	notion	notion	NOUN
ajceb-1884	83	3	of	of	ADP
ajceb-1884	83	4	specific	specific	ADJ
ajceb-1884	83	5	provisioning	provisioning	NOUN
ajceb-1884	83	6	relates	relate	VERB
ajceb-1884	83	7	to	to	ADP
ajceb-1884	83	8	the	the	DET
ajceb-1884	83	9	concept	concept	NOUN
ajceb-1884	83	10	of	of	ADP
ajceb-1884	83	11	els	el	NOUN
ajceb-1884	83	12	,	,	PUNCT
ajceb-1884	83	13	while	while	SCONJ
ajceb-1884	83	14	the	the	DET
ajceb-1884	83	15	notion	notion	NOUN
ajceb-1884	83	16	of	of	ADP
ajceb-1884	83	17	general	general	ADJ
ajceb-1884	83	18	provisioning	provisioning	NOUN
ajceb-1884	83	19	relates	relate	VERB
ajceb-1884	83	20	to	to	ADP
ajceb-1884	83	21	the	the	DET
ajceb-1884	83	22	concept	concept	NOUN
ajceb-1884	83	23	of	of	ADP
ajceb-1884	83	24	uls	uls	PROPN
ajceb-1884	83	25	.	.	PUNCT
ajceb-1884	84	1	principally	principally	ADV
ajceb-1884	84	2	,	,	PUNCT
ajceb-1884	84	3	at	at	ADP
ajceb-1884	84	4	a	a	DET
ajceb-1884	84	5	portfolio	portfolio	NOUN
ajceb-1884	84	6	level	level	NOUN
ajceb-1884	84	7	,	,	PUNCT
ajceb-1884	84	8	specific	specific	ADJ
ajceb-1884	84	9	provisioning	provisioning	NOUN
ajceb-1884	84	10	relates	relate	VERB
ajceb-1884	84	11	to	to	PART
ajceb-1884	84	12	average	average	VERB
ajceb-1884	84	13	write	write	NOUN
ajceb-1884	84	14	-	-	PUNCT
ajceb-1884	84	15	offs	off	NOUN
ajceb-1884	84	16	of	of	ADP
ajceb-1884	84	17	the	the	DET
ajceb-1884	84	18	particular	particular	ADJ
ajceb-1884	84	19	class	class	NOUN
ajceb-1884	84	20	of	of	ADP
ajceb-1884	84	21	home	home	NOUN
ajceb-1884	84	22	loan	loan	NOUN
ajceb-1884	84	23	being	be	AUX
ajceb-1884	84	24	priced	price	VERB
ajceb-1884	84	25	.	.	PUNCT
ajceb-1884	85	1	for	for	ADP
ajceb-1884	85	2	example	example	NOUN
ajceb-1884	85	3	,	,	PUNCT
ajceb-1884	85	4	if	if	SCONJ
ajceb-1884	85	5	home	home	NOUN
ajceb-1884	85	6	loan	loan	NOUN
ajceb-1884	85	7	write	write	NOUN
ajceb-1884	85	8	-	-	PUNCT
ajceb-1884	85	9	offs	off	NOUN
ajceb-1884	85	10	and	and	CCONJ
ajceb-1884	85	11	post	post	NOUN
ajceb-1884	85	12	recoveries	recovery	NOUN
ajceb-1884	85	13	reached	reach	VERB
ajceb-1884	85	14	10	10	NUM
ajceb-1884	85	15	per	per	ADP
ajceb-1884	85	16	cent	cent	NOUN
ajceb-1884	85	17	once	once	ADV
ajceb-1884	85	18	every	every	DET
ajceb-1884	85	19	ten	ten	NUM
ajceb-1884	85	20	years	year	NOUN
ajceb-1884	85	21	,	,	PUNCT
ajceb-1884	85	22	and	and	CCONJ
ajceb-1884	85	23	were	be	AUX
ajceb-1884	85	24	at	at	ADP
ajceb-1884	85	25	0	0	NUM
ajceb-1884	85	26	per	per	ADP
ajceb-1884	85	27	cent	cent	NOUN
ajceb-1884	85	28	for	for	ADP
ajceb-1884	85	29	the	the	DET
ajceb-1884	85	30	other	other	ADJ
ajceb-1884	85	31	nine	nine	NUM
ajceb-1884	85	32	years	year	NOUN
ajceb-1884	85	33	,	,	PUNCT
ajceb-1884	85	34	the	the	DET
ajceb-1884	85	35	gross	gross	ADJ
ajceb-1884	85	36	specific	specific	ADJ
ajceb-1884	85	37	provision	provision	NOUN
ajceb-1884	85	38	charge	charge	NOUN
ajceb-1884	85	39	should	should	AUX
ajceb-1884	85	40	be	be	AUX
ajceb-1884	85	41	one	one	NUM
ajceb-1884	85	42	per	per	ADP
ajceb-1884	85	43	cent	cent	NOUN
ajceb-1884	85	44	(	(	PUNCT
ajceb-1884	85	45	being	be	AUX
ajceb-1884	85	46	a	a	DET
ajceb-1884	85	47	simple	simple	ADJ
ajceb-1884	85	48	8	8	NUM
ajceb-1884	85	49	economic	economic	ADJ
ajceb-1884	85	50	cost	cost	NOUN
ajceb-1884	85	51	is	be	AUX
ajceb-1884	85	52	a	a	DET
ajceb-1884	85	53	fee	fee	NOUN
ajceb-1884	85	54	that	that	PRON
ajceb-1884	85	55	is	be	AUX
ajceb-1884	85	56	charged	charge	VERB
ajceb-1884	85	57	by	by	ADP
ajceb-1884	85	58	the	the	DET
ajceb-1884	85	59	lender	lender	NOUN
ajceb-1884	85	60	for	for	ADP
ajceb-1884	85	61	the	the	DET
ajceb-1884	85	62	early	early	ADJ
ajceb-1884	85	63	termination	termination	NOUN
ajceb-1884	85	64	of	of	ADP
ajceb-1884	85	65	the	the	DET
ajceb-1884	85	66	fixed	fix	VERB
ajceb-1884	85	67	rate	rate	NOUN
ajceb-1884	85	68	home	home	PROPN
ajceb-1884	85	69	loan	loan	NOUN
ajceb-1884	85	70	contract	contract	NOUN
ajceb-1884	85	71	.	.	PUNCT
ajceb-1884	86	1	australasian	australasian	ADJ
ajceb-1884	86	2	journal	journal	NOUN
ajceb-1884	86	3	of	of	ADP
ajceb-1884	86	4	construction	construction	NOUN
ajceb-1884	86	5	economics	economic	NOUN
ajceb-1884	86	6	and	and	CCONJ
ajceb-1884	86	7	building	building	PROPN
ajceb-1884	86	8	karamujic	karamujic	PROPN
ajceb-1884	86	9	,	,	PUNCT
ajceb-1884	86	10	h	h	NOUN
ajceb-1884	86	11	m	m	VERB
ajceb-1884	86	12	(	(	PUNCT
ajceb-1884	86	13	2010	2010	NUM
ajceb-1884	86	14	)	)	PUNCT
ajceb-1884	87	1	‘	'	PUNCT
ajceb-1884	87	2	an	an	DET
ajceb-1884	87	3	investigation	investigation	NOUN
ajceb-1884	87	4	into	into	ADP
ajceb-1884	87	5	the	the	DET
ajceb-1884	87	6	fundamental	fundamental	ADJ
ajceb-1884	87	7	drivers	driver	NOUN
ajceb-1884	87	8	of	of	ADP
ajceb-1884	87	9	pricing	pricing	NOUN
ajceb-1884	87	10	of	of	ADP
ajceb-1884	87	11	residential	residential	ADJ
ajceb-1884	87	12	mortgage	mortgage	NOUN
ajceb-1884	87	13	products	product	NOUN
ajceb-1884	87	14	–	–	PUNCT
ajceb-1884	87	15	a	a	DET
ajceb-1884	87	16	risk	risk	NOUN
ajceb-1884	87	17	pricing	pricing	NOUN
ajceb-1884	87	18	viewpoint	viewpoint	NOUN
ajceb-1884	87	19	’	'	PUNCT
ajceb-1884	87	20	,	,	PUNCT
ajceb-1884	87	21	australasian	australasian	ADJ
ajceb-1884	87	22	journal	journal	NOUN
ajceb-1884	87	23	of	of	ADP
ajceb-1884	87	24	construction	construction	NOUN
ajceb-1884	87	25	economics	economic	NOUN
ajceb-1884	87	26	and	and	CCONJ
ajceb-1884	87	27	building	building	NOUN
ajceb-1884	87	28	,	,	PUNCT
ajceb-1884	87	29	10	10	NUM
ajceb-1884	87	30	(	(	PUNCT
ajceb-1884	87	31	4	4	NUM
ajceb-1884	87	32	)	)	SYM
ajceb-1884	87	33	60	60	NUM
ajceb-1884	87	34	-	-	SYM
ajceb-1884	87	35	72	72	NUM
ajceb-1884	87	36	64	64	NUM
ajceb-1884	87	37	average	average	NOUN
ajceb-1884	87	38	over	over	ADP
ajceb-1884	87	39	the	the	DET
ajceb-1884	87	40	observed	observed	ADJ
ajceb-1884	87	41	period	period	NOUN
ajceb-1884	87	42	)	)	PUNCT
ajceb-1884	87	43	of	of	ADP
ajceb-1884	87	44	the	the	DET
ajceb-1884	87	45	outstanding	outstanding	ADJ
ajceb-1884	87	46	amount	amount	NOUN
ajceb-1884	87	47	(	(	PUNCT
ajceb-1884	87	48	the	the	DET
ajceb-1884	87	49	total	total	ADJ
ajceb-1884	87	50	amount	amount	NOUN
ajceb-1884	87	51	owed	owe	VERB
ajceb-1884	87	52	to	to	ADP
ajceb-1884	87	53	the	the	DET
ajceb-1884	87	54	lender	lender	NOUN
ajceb-1884	87	55	,	,	PUNCT
ajceb-1884	87	56	at	at	ADP
ajceb-1884	87	57	the	the	DET
ajceb-1884	87	58	particular	particular	ADJ
ajceb-1884	87	59	point	point	NOUN
ajceb-1884	87	60	in	in	ADP
ajceb-1884	87	61	time	time	NOUN
ajceb-1884	87	62	)	)	PUNCT
ajceb-1884	87	63	for	for	ADP
ajceb-1884	87	64	the	the	DET
ajceb-1884	87	65	particular	particular	ADJ
ajceb-1884	87	66	class	class	NOUN
ajceb-1884	87	67	of	of	ADP
ajceb-1884	87	68	home	home	NOUN
ajceb-1884	87	69	loans	loan	NOUN
ajceb-1884	87	70	considered	consider	VERB
ajceb-1884	87	71	.	.	PUNCT
ajceb-1884	88	1	on	on	ADP
ajceb-1884	88	2	an	an	DET
ajceb-1884	88	3	individual	individual	ADJ
ajceb-1884	88	4	(	(	PUNCT
ajceb-1884	88	5	account	account	NOUN
ajceb-1884	88	6	)	)	PUNCT
ajceb-1884	88	7	basis	basis	NOUN
ajceb-1884	88	8	,	,	PUNCT
ajceb-1884	88	9	specific	specific	ADJ
ajceb-1884	88	10	provisioning	provisioning	NOUN
ajceb-1884	88	11	is	be	AUX
ajceb-1884	88	12	the	the	DET
ajceb-1884	88	13	estimate	estimate	NOUN
ajceb-1884	88	14	of	of	ADP
ajceb-1884	88	15	shortfall	shortfall	NOUN
ajceb-1884	88	16	between	between	ADP
ajceb-1884	88	17	the	the	DET
ajceb-1884	88	18	face	face	NOUN
ajceb-1884	88	19	value	value	NOUN
ajceb-1884	88	20	of	of	ADP
ajceb-1884	88	21	the	the	DET
ajceb-1884	88	22	debt	debt	NOUN
ajceb-1884	88	23	and	and	CCONJ
ajceb-1884	88	24	the	the	DET
ajceb-1884	88	25	estimated	estimate	VERB
ajceb-1884	88	26	future	future	ADJ
ajceb-1884	88	27	cash	cash	NOUN
ajceb-1884	88	28	flows	flow	NOUN
ajceb-1884	88	29	,	,	PUNCT
ajceb-1884	88	30	including	include	VERB
ajceb-1884	88	31	the	the	DET
ajceb-1884	88	32	estimated	estimate	VERB
ajceb-1884	88	33	realisable	realisable	ADJ
ajceb-1884	88	34	value	value	NOUN
ajceb-1884	88	35	of	of	ADP
ajceb-1884	88	36	securities	security	NOUN
ajceb-1884	88	37	,	,	PUNCT
ajceb-1884	88	38	if	if	SCONJ
ajceb-1884	88	39	any	any	PRON
ajceb-1884	88	40	.	.	PUNCT
ajceb-1884	89	1	therefore	therefore	ADV
ajceb-1884	89	2	,	,	PUNCT
ajceb-1884	89	3	to	to	PART
ajceb-1884	89	4	get	get	VERB
ajceb-1884	89	5	the	the	DET
ajceb-1884	89	6	gross	gross	ADJ
ajceb-1884	89	7	specific	specific	ADJ
ajceb-1884	89	8	provisioning	provisioning	NOUN
ajceb-1884	89	9	amount	amount	NOUN
ajceb-1884	89	10	for	for	ADP
ajceb-1884	89	11	an	an	DET
ajceb-1884	89	12	individual	individual	ADJ
ajceb-1884	89	13	home	home	NOUN
ajceb-1884	89	14	loan	loan	NOUN
ajceb-1884	89	15	,	,	PUNCT
ajceb-1884	89	16	we	we	PRON
ajceb-1884	89	17	need	need	VERB
ajceb-1884	89	18	to	to	PART
ajceb-1884	89	19	multiply	multiply	VERB
ajceb-1884	89	20	the	the	DET
ajceb-1884	89	21	loan	loan	NOUN
ajceb-1884	89	22	-	-	PUNCT
ajceb-1884	89	23	specific	specific	ADJ
ajceb-1884	89	24	el	el	PROPN
ajceb-1884	89	25	rate	rate	NOUN
ajceb-1884	89	26	and	and	CCONJ
ajceb-1884	89	27	the	the	DET
ajceb-1884	89	28	outstanding	outstanding	ADJ
ajceb-1884	89	29	home	home	NOUN
ajceb-1884	89	30	loan	loan	NOUN
ajceb-1884	89	31	amount	amount	NOUN
ajceb-1884	89	32	.	.	PUNCT
ajceb-1884	90	1	there	there	PRON
ajceb-1884	90	2	are	be	VERB
ajceb-1884	90	3	two	two	NUM
ajceb-1884	90	4	main	main	ADJ
ajceb-1884	90	5	methods	method	NOUN
ajceb-1884	90	6	used	use	VERB
ajceb-1884	90	7	for	for	ADP
ajceb-1884	90	8	specific	specific	ADJ
ajceb-1884	90	9	provisioning	provisioning	NOUN
ajceb-1884	90	10	for	for	ADP
ajceb-1884	90	11	home	home	NOUN
ajceb-1884	90	12	loan	loan	NOUN
ajceb-1884	90	13	products	product	NOUN
ajceb-1884	90	14	,	,	PUNCT
ajceb-1884	90	15	namely	namely	ADV
ajceb-1884	90	16	the	the	DET
ajceb-1884	90	17	term	term	NOUN
ajceb-1884	90	18	product	product	NOUN
ajceb-1884	90	19	methodology	methodology	NOUN
ajceb-1884	90	20	and	and	CCONJ
ajceb-1884	90	21	the	the	DET
ajceb-1884	90	22	revolving	revolve	VERB
ajceb-1884	90	23	product	product	NOUN
ajceb-1884	90	24	methodology	methodology	NOUN
ajceb-1884	90	25	.	.	PUNCT
ajceb-1884	91	1	the	the	DET
ajceb-1884	91	2	term	term	NOUN
ajceb-1884	91	3	product	product	NOUN
ajceb-1884	91	4	methodology	methodology	NOUN
ajceb-1884	91	5	applies	apply	VERB
ajceb-1884	91	6	to	to	ADP
ajceb-1884	91	7	all	all	DET
ajceb-1884	91	8	home	home	NOUN
ajceb-1884	91	9	loans	loan	NOUN
ajceb-1884	91	10	except	except	SCONJ
ajceb-1884	91	11	line	line	NOUN
ajceb-1884	91	12	of	of	ADP
ajceb-1884	91	13	credit	credit	NOUN
ajceb-1884	91	14	(	(	PUNCT
ajceb-1884	91	15	loc	loc	NOUN
ajceb-1884	91	16	)	)	PUNCT
ajceb-1884	91	17	home	home	NOUN
ajceb-1884	91	18	loans	loan	NOUN
ajceb-1884	91	19	.	.	PUNCT
ajceb-1884	92	1	the	the	DET
ajceb-1884	92	2	term	term	NOUN
ajceb-1884	92	3	product	product	NOUN
ajceb-1884	92	4	methodology	methodology	NOUN
ajceb-1884	92	5	(	(	PUNCT
ajceb-1884	92	6	elterm	elterm	PROPN
ajceb-1884	92	7	)	)	PUNCT
ajceb-1884	92	8	is	be	AUX
ajceb-1884	92	9	defined	define	VERB
ajceb-1884	92	10	as	as	ADP
ajceb-1884	92	11	:	:	PUNCT
ajceb-1884	92	12	elterm	elterm	NOUN
ajceb-1884	92	13	=	=	SYM
ajceb-1884	92	14	ead	ead	NOUN
ajceb-1884	92	15	x	x	PUNCT
ajceb-1884	92	16	nlrterm	nlrterm	NOUN
ajceb-1884	92	17	,	,	PUNCT
ajceb-1884	92	18	(	(	PUNCT
ajceb-1884	92	19	3	3	X
ajceb-1884	92	20	)	)	PUNCT
ajceb-1884	92	21	where	where	SCONJ
ajceb-1884	92	22	eadterm	eadterm	NOUN
ajceb-1884	92	23	represents	represent	VERB
ajceb-1884	92	24	exposure	exposure	NOUN
ajceb-1884	92	25	at	at	ADP
ajceb-1884	92	26	default	default	NOUN
ajceb-1884	92	27	and	and	CCONJ
ajceb-1884	92	28	nlrterm	nlrterm	VERB
ajceb-1884	92	29	the	the	DET
ajceb-1884	92	30	net	net	ADJ
ajceb-1884	92	31	loss	loss	NOUN
ajceb-1884	92	32	rate	rate	NOUN
ajceb-1884	92	33	.	.	PUNCT
ajceb-1884	93	1	the	the	DET
ajceb-1884	93	2	ead	ead	PROPN
ajceb-1884	93	3	is	be	AUX
ajceb-1884	93	4	defined	define	VERB
ajceb-1884	93	5	as	as	ADP
ajceb-1884	93	6	the	the	DET
ajceb-1884	93	7	amount	amount	NOUN
ajceb-1884	93	8	of	of	ADP
ajceb-1884	93	9	outstanding	outstanding	ADJ
ajceb-1884	93	10	principal	principal	NOUN
ajceb-1884	93	11	,	,	PUNCT
ajceb-1884	93	12	fees	fee	NOUN
ajceb-1884	93	13	and	and	CCONJ
ajceb-1884	93	14	interest	interest	NOUN
ajceb-1884	93	15	owed	owe	VERB
ajceb-1884	93	16	at	at	ADP
ajceb-1884	93	17	the	the	DET
ajceb-1884	93	18	time	time	NOUN
ajceb-1884	93	19	of	of	ADP
ajceb-1884	93	20	default	default	NOUN
ajceb-1884	93	21	.	.	PUNCT
ajceb-1884	94	1	on	on	ADP
ajceb-1884	94	2	the	the	DET
ajceb-1884	94	3	other	other	ADJ
ajceb-1884	94	4	hand	hand	NOUN
ajceb-1884	94	5	,	,	PUNCT
ajceb-1884	94	6	the	the	DET
ajceb-1884	94	7	nlr	nlr	PROPN
ajceb-1884	94	8	is	be	AUX
ajceb-1884	94	9	an	an	DET
ajceb-1884	94	10	expected	expect	VERB
ajceb-1884	94	11	cumulative	cumulative	ADJ
ajceb-1884	94	12	net	net	ADJ
ajceb-1884	94	13	loss	loss	NOUN
ajceb-1884	94	14	rate	rate	NOUN
ajceb-1884	94	15	for	for	ADP
ajceb-1884	94	16	the	the	DET
ajceb-1884	94	17	remainder	remainder	NOUN
ajceb-1884	94	18	of	of	ADP
ajceb-1884	94	19	the	the	DET
ajceb-1884	94	20	loan	loan	NOUN
ajceb-1884	94	21	term	term	NOUN
ajceb-1884	94	22	,	,	PUNCT
ajceb-1884	94	23	and	and	CCONJ
ajceb-1884	94	24	is	be	AUX
ajceb-1884	94	25	calculated	calculate	VERB
ajceb-1884	94	26	as	as	ADP
ajceb-1884	94	27	:	:	PUNCT
ajceb-1884	94	28	nlr	nlr	PROPN
ajceb-1884	94	29	=	=	PROPN
ajceb-1884	94	30	glr	glr	PROPN
ajceb-1884	94	31	x	x	X
ajceb-1884	94	32	(	(	PUNCT
ajceb-1884	94	33	1rcr	1rcr	ADV
ajceb-1884	94	34	)	)	PUNCT
ajceb-1884	94	35	,	,	PUNCT
ajceb-1884	94	36	(	(	PUNCT
ajceb-1884	94	37	4	4	X
ajceb-1884	94	38	)	)	PUNCT
ajceb-1884	94	39	where	where	SCONJ
ajceb-1884	94	40	glr	glr	PROPN
ajceb-1884	94	41	is	be	AUX
ajceb-1884	94	42	a	a	DET
ajceb-1884	94	43	gross	gross	ADJ
ajceb-1884	94	44	loss	loss	NOUN
ajceb-1884	94	45	rate	rate	NOUN
ajceb-1884	94	46	(	(	PUNCT
ajceb-1884	94	47	estimated	estimate	VERB
ajceb-1884	94	48	from	from	ADP
ajceb-1884	94	49	the	the	DET
ajceb-1884	94	50	actual	actual	ADJ
ajceb-1884	94	51	data	datum	NOUN
ajceb-1884	94	52	and	and	CCONJ
ajceb-1884	94	53	based	base	VERB
ajceb-1884	94	54	on	on	ADP
ajceb-1884	94	55	historically	historically	ADV
ajceb-1884	94	56	observed	observe	VERB
ajceb-1884	94	57	loss	loss	NOUN
ajceb-1884	94	58	rates	rate	NOUN
ajceb-1884	94	59	)	)	PUNCT
ajceb-1884	94	60	and	and	CCONJ
ajceb-1884	94	61	rcr	rcr	PROPN
ajceb-1884	94	62	is	be	AUX
ajceb-1884	94	63	the	the	DET
ajceb-1884	94	64	portfolio	portfolio	NOUN
ajceb-1884	94	65	level	level	NOUN
ajceb-1884	94	66	estimate	estimate	NOUN
ajceb-1884	94	67	of	of	ADP
ajceb-1884	94	68	the	the	DET
ajceb-1884	94	69	recovery	recovery	NOUN
ajceb-1884	94	70	rate	rate	NOUN
ajceb-1884	94	71	.	.	PUNCT
ajceb-1884	95	1	contrary	contrary	ADJ
ajceb-1884	95	2	to	to	ADP
ajceb-1884	95	3	the	the	DET
ajceb-1884	95	4	term	term	NOUN
ajceb-1884	95	5	product	product	NOUN
ajceb-1884	95	6	methodology	methodology	NOUN
ajceb-1884	95	7	,	,	PUNCT
ajceb-1884	95	8	the	the	DET
ajceb-1884	95	9	revolving	revolve	VERB
ajceb-1884	95	10	product	product	NOUN
ajceb-1884	95	11	methodology	methodology	NOUN
ajceb-1884	95	12	(	(	PUNCT
ajceb-1884	95	13	elrpm	elrpm	ADJ
ajceb-1884	95	14	)	)	PUNCT
ajceb-1884	95	15	applies	apply	VERB
ajceb-1884	95	16	only	only	ADV
ajceb-1884	95	17	to	to	ADP
ajceb-1884	95	18	loc	loc	PROPN
ajceb-1884	95	19	home	home	NOUN
ajceb-1884	95	20	loans	loan	NOUN
ajceb-1884	95	21	and	and	CCONJ
ajceb-1884	95	22	is	be	AUX
ajceb-1884	95	23	calculated	calculate	VERB
ajceb-1884	95	24	as	as	SCONJ
ajceb-1884	95	25	follows	follow	VERB
ajceb-1884	95	26	:	:	PUNCT
ajceb-1884	95	27	elrpm	elrpm	ADJ
ajceb-1884	95	28	=	=	SYM
ajceb-1884	95	29	ead	ead	ADJ
ajceb-1884	95	30	x	x	X
ajceb-1884	95	31	pd	pd	PROPN
ajceb-1884	95	32	x	x	PROPN
ajceb-1884	95	33	lgd	lgd	PROPN
ajceb-1884	95	34	,	,	PUNCT
ajceb-1884	95	35	(	(	PUNCT
ajceb-1884	95	36	5	5	NUM
ajceb-1884	95	37	)	)	PUNCT
ajceb-1884	95	38	where	where	SCONJ
ajceb-1884	95	39	pd	pd	PROPN
ajceb-1884	95	40	represents	represent	VERB
ajceb-1884	95	41	the	the	DET
ajceb-1884	95	42	probability	probability	NOUN
ajceb-1884	95	43	of	of	ADP
ajceb-1884	95	44	default	default	NOUN
ajceb-1884	95	45	(	(	PUNCT
ajceb-1884	95	46	the	the	DET
ajceb-1884	95	47	probability	probability	NOUN
ajceb-1884	95	48	that	that	SCONJ
ajceb-1884	95	49	a	a	DET
ajceb-1884	95	50	loan	loan	NOUN
ajceb-1884	95	51	or	or	CCONJ
ajceb-1884	95	52	group	group	NOUN
ajceb-1884	95	53	of	of	ADP
ajceb-1884	95	54	loans	loan	NOUN
ajceb-1884	95	55	will	will	AUX
ajceb-1884	95	56	become	become	VERB
ajceb-1884	95	57	irreversibly	irreversibly	ADV
ajceb-1884	95	58	delinquent	delinquent	ADJ
ajceb-1884	95	59	over	over	ADP
ajceb-1884	95	60	a	a	DET
ajceb-1884	95	61	prescribe	prescribe	NOUN
ajceb-1884	95	62	period	period	NOUN
ajceb-1884	95	63	of	of	ADP
ajceb-1884	95	64	time	time	NOUN
ajceb-1884	95	65	)	)	PUNCT
ajceb-1884	95	66	and	and	CCONJ
ajceb-1884	95	67	lgd	lgd	PROPN
ajceb-1884	95	68	represents	represent	VERB
ajceb-1884	95	69	loss	loss	NOUN
ajceb-1884	95	70	given	give	VERB
ajceb-1884	95	71	default	default	NOUN
ajceb-1884	95	72	(	(	PUNCT
ajceb-1884	95	73	percentage	percentage	NOUN
ajceb-1884	95	74	of	of	ADP
ajceb-1884	95	75	exposure	exposure	NOUN
ajceb-1884	95	76	which	which	PRON
ajceb-1884	95	77	will	will	AUX
ajceb-1884	95	78	be	be	AUX
ajceb-1884	95	79	lost	lose	VERB
ajceb-1884	95	80	after	after	ADP
ajceb-1884	95	81	all	all	DET
ajceb-1884	95	82	recovery	recovery	NOUN
ajceb-1884	95	83	efforts	effort	NOUN
ajceb-1884	95	84	,	,	PUNCT
ajceb-1884	95	85	including	include	VERB
ajceb-1884	95	86	legal	legal	ADJ
ajceb-1884	95	87	expenses	expense	NOUN
ajceb-1884	95	88	,	,	PUNCT
ajceb-1884	95	89	time	time	NOUN
ajceb-1884	95	90	value	value	NOUN
ajceb-1884	95	91	of	of	ADP
ajceb-1884	95	92	money	money	NOUN
ajceb-1884	95	93	and	and	CCONJ
ajceb-1884	95	94	recovery	recovery	NOUN
ajceb-1884	95	95	expenses	expense	NOUN
ajceb-1884	95	96	)	)	PUNCT
ajceb-1884	95	97	.	.	PUNCT
ajceb-1884	96	1	the	the	DET
ajceb-1884	96	2	lgd	lgd	PROPN
ajceb-1884	96	3	is	be	AUX
ajceb-1884	96	4	calculated	calculate	VERB
ajceb-1884	96	5	as	as	ADP
ajceb-1884	96	6	:	:	PUNCT
ajceb-1884	96	7	lgd	lgd	PROPN
ajceb-1884	96	8	=	=	SYM
ajceb-1884	96	9	1	1	NUM
ajceb-1884	96	10	–	–	PUNCT
ajceb-1884	96	11	rcr	rcr	NOUN
ajceb-1884	96	12	.	.	PUNCT
ajceb-1884	97	1	(	(	PUNCT
ajceb-1884	97	2	6	6	NUM
ajceb-1884	97	3	)	)	PUNCT
ajceb-1884	97	4	as	as	SCONJ
ajceb-1884	97	5	previously	previously	ADV
ajceb-1884	97	6	mentioned	mention	VERB
ajceb-1884	97	7	,	,	PUNCT
ajceb-1884	97	8	in	in	ADP
ajceb-1884	97	9	contrast	contrast	NOUN
ajceb-1884	97	10	to	to	ADP
ajceb-1884	97	11	specific	specific	ADJ
ajceb-1884	97	12	provisioning	provisioning	NOUN
ajceb-1884	97	13	,	,	PUNCT
ajceb-1884	97	14	general	general	ADJ
ajceb-1884	97	15	provisioning	provisioning	NOUN
ajceb-1884	97	16	is	be	AUX
ajceb-1884	97	17	derived	derive	VERB
ajceb-1884	97	18	to	to	PART
ajceb-1884	97	19	cover	cover	VERB
ajceb-1884	97	20	losses	loss	NOUN
ajceb-1884	97	21	already	already	ADV
ajceb-1884	97	22	present	present	ADJ
ajceb-1884	97	23	within	within	ADP
ajceb-1884	97	24	the	the	DET
ajceb-1884	97	25	portfolio	portfolio	NOUN
ajceb-1884	97	26	,	,	PUNCT
ajceb-1884	97	27	but	but	CCONJ
ajceb-1884	97	28	not	not	PART
ajceb-1884	97	29	yet	yet	ADV
ajceb-1884	97	30	specifically	specifically	ADV
ajceb-1884	97	31	identified	identify	VERB
ajceb-1884	97	32	.	.	PUNCT
ajceb-1884	98	1	in	in	ADP
ajceb-1884	98	2	the	the	DET
ajceb-1884	98	3	most	most	ADV
ajceb-1884	98	4	general	general	ADJ
ajceb-1884	98	5	terms	term	NOUN
ajceb-1884	98	6	,	,	PUNCT
ajceb-1884	98	7	apra	apra	X
ajceb-1884	98	8	(	(	PUNCT
ajceb-1884	98	9	2010	2010	NUM
ajceb-1884	98	10	)	)	PUNCT
ajceb-1884	98	11	views	view	VERB
ajceb-1884	98	12	general	general	ADJ
ajceb-1884	98	13	provisions	provision	NOUN
ajceb-1884	98	14	in	in	ADP
ajceb-1884	98	15	the	the	DET
ajceb-1884	98	16	following	following	ADJ
ajceb-1884	98	17	terms	term	NOUN
ajceb-1884	98	18	:	:	PUNCT
ajceb-1884	98	19	“	"	PUNCT
ajceb-1884	98	20	a	a	DET
ajceb-1884	98	21	general	general	ADJ
ajceb-1884	98	22	provision	provision	NOUN
ajceb-1884	98	23	should	should	AUX
ajceb-1884	98	24	be	be	AUX
ajceb-1884	98	25	established	establish	VERB
ajceb-1884	98	26	to	to	PART
ajceb-1884	98	27	address	address	VERB
ajceb-1884	98	28	latent	latent	NOUN
ajceb-1884	98	29	losses	loss	NOUN
ajceb-1884	98	30	known	know	VERB
ajceb-1884	98	31	to	to	PART
ajceb-1884	98	32	exist	exist	VERB
ajceb-1884	98	33	in	in	ADP
ajceb-1884	98	34	the	the	DET
ajceb-1884	98	35	credit	credit	NOUN
ajceb-1884	98	36	portfolio	portfolio	NOUN
ajceb-1884	98	37	but	but	CCONJ
ajceb-1884	98	38	which	which	PRON
ajceb-1884	98	39	can	can	AUX
ajceb-1884	98	40	not	not	PART
ajceb-1884	98	41	be	be	AUX
ajceb-1884	98	42	ascribed	ascribe	VERB
ajceb-1884	98	43	to	to	ADP
ajceb-1884	98	44	individual	individual	ADJ
ajceb-1884	98	45	facilities	facility	NOUN
ajceb-1884	98	46	.	.	PUNCT
ajceb-1884	99	1	when	when	SCONJ
ajceb-1884	99	2	creating	create	VERB
ajceb-1884	99	3	and	and	CCONJ
ajceb-1884	99	4	determining	determine	VERB
ajceb-1884	99	5	the	the	DET
ajceb-1884	99	6	level	level	NOUN
ajceb-1884	99	7	of	of	ADP
ajceb-1884	99	8	general	general	ADJ
ajceb-1884	99	9	provisions	provision	NOUN
ajceb-1884	99	10	,	,	PUNCT
ajceb-1884	99	11	an	an	DET
ajceb-1884	99	12	adi	adi	NOUN
ajceb-1884	99	13	should	should	AUX
ajceb-1884	99	14	consider	consider	VERB
ajceb-1884	99	15	the	the	DET
ajceb-1884	99	16	following	following	NOUN
ajceb-1884	99	17	:	:	PUNCT
ajceb-1884	99	18	(	(	PUNCT
ajceb-1884	99	19	a	a	X
ajceb-1884	99	20	)	)	PUNCT
ajceb-1884	99	21	the	the	DET
ajceb-1884	99	22	general	general	ADJ
ajceb-1884	99	23	provision	provision	NOUN
ajceb-1884	99	24	should	should	AUX
ajceb-1884	99	25	not	not	PART
ajceb-1884	99	26	act	act	VERB
ajceb-1884	99	27	as	as	ADP
ajceb-1884	99	28	a	a	DET
ajceb-1884	99	29	substitute	substitute	NOUN
ajceb-1884	99	30	for	for	ADP
ajceb-1884	99	31	the	the	DET
ajceb-1884	99	32	establishment	establishment	NOUN
ajceb-1884	99	33	of	of	ADP
ajceb-1884	99	34	adequate	adequate	ADJ
ajceb-1884	99	35	specific	specific	ADJ
ajceb-1884	99	36	provisions	provision	NOUN
ajceb-1884	99	37	or	or	CCONJ
ajceb-1884	99	38	the	the	DET
ajceb-1884	99	39	recording	recording	NOUN
ajceb-1884	99	40	of	of	ADP
ajceb-1884	99	41	an	an	DET
ajceb-1884	99	42	appropriate	appropriate	ADJ
ajceb-1884	99	43	charge	charge	NOUN
ajceb-1884	99	44	-	-	PUNCT
ajceb-1884	99	45	off	off	NOUN
ajceb-1884	99	46	for	for	ADP
ajceb-1884	99	47	bad	bad	ADJ
ajceb-1884	99	48	debts	debt	NOUN
ajceb-1884	99	49	;	;	PUNCT
ajceb-1884	99	50	(	(	PUNCT
ajceb-1884	99	51	b	b	X
ajceb-1884	99	52	)	)	PUNCT
ajceb-1884	99	53	the	the	DET
ajceb-1884	99	54	general	general	ADJ
ajceb-1884	99	55	provision	provision	NOUN
ajceb-1884	99	56	should	should	AUX
ajceb-1884	99	57	be	be	AUX
ajceb-1884	99	58	calculated	calculate	VERB
ajceb-1884	99	59	in	in	ADP
ajceb-1884	99	60	a	a	DET
ajceb-1884	99	61	prudent	prudent	ADJ
ajceb-1884	99	62	and	and	CCONJ
ajceb-1884	99	63	conservative	conservative	ADJ
ajceb-1884	99	64	,	,	PUNCT
ajceb-1884	99	65	but	but	CCONJ
ajceb-1884	99	66	not	not	PART
ajceb-1884	99	67	excessive	excessive	ADJ
ajceb-1884	99	68	manner	manner	NOUN
ajceb-1884	99	69	,	,	PUNCT
ajceb-1884	99	70	so	so	SCONJ
ajceb-1884	99	71	that	that	SCONJ
ajceb-1884	99	72	it	it	PRON
ajceb-1884	99	73	addresses	address	VERB
ajceb-1884	99	74	an	an	DET
ajceb-1884	99	75	acceptable	acceptable	ADJ
ajceb-1884	99	76	range	range	NOUN
ajceb-1884	99	77	of	of	ADP
ajceb-1884	99	78	estimated	estimate	VERB
ajceb-1884	99	79	losses	loss	NOUN
ajceb-1884	99	80	;	;	PUNCT
ajceb-1884	99	81	and	and	CCONJ
ajceb-1884	99	82	(	(	PUNCT
ajceb-1884	99	83	c	c	X
ajceb-1884	99	84	)	)	PUNCT
ajceb-1884	99	85	the	the	DET
ajceb-1884	99	86	estimate	estimate	NOUN
ajceb-1884	99	87	of	of	ADP
ajceb-1884	99	88	latent	latent	NOUN
ajceb-1884	99	89	credit	credit	NOUN
ajceb-1884	99	90	losses	loss	NOUN
ajceb-1884	99	91	known	know	VERB
ajceb-1884	99	92	to	to	PART
ajceb-1884	99	93	exist	exist	VERB
ajceb-1884	99	94	in	in	ADP
ajceb-1884	99	95	the	the	DET
ajceb-1884	99	96	credit	credit	NOUN
ajceb-1884	99	97	portfolio	portfolio	NOUN
ajceb-1884	99	98	should	should	AUX
ajceb-1884	99	99	reflect	reflect	VERB
ajceb-1884	99	100	consideration	consideration	NOUN
ajceb-1884	99	101	of	of	ADP
ajceb-1884	99	102	all	all	DET
ajceb-1884	99	103	significant	significant	ADJ
ajceb-1884	99	104	factors	factor	NOUN
ajceb-1884	99	105	that	that	PRON
ajceb-1884	99	106	affect	affect	VERB
ajceb-1884	99	107	the	the	DET
ajceb-1884	99	108	collectibility	collectibility	NOUN
ajceb-1884	99	109	of	of	ADP
ajceb-1884	99	110	the	the	DET
ajceb-1884	99	111	credit	credit	NOUN
ajceb-1884	99	112	portfolio	portfolio	NOUN
ajceb-1884	99	113	as	as	ADP
ajceb-1884	99	114	of	of	ADP
ajceb-1884	99	115	the	the	DET
ajceb-1884	99	116	assessment	assessment	NOUN
ajceb-1884	99	117	date	date	NOUN
ajceb-1884	99	118	.	.	PUNCT
ajceb-1884	99	119	”	"	PUNCT
ajceb-1884	100	1	due	due	ADP
ajceb-1884	100	2	to	to	ADP
ajceb-1884	100	3	its	its	PRON
ajceb-1884	100	4	importance	importance	NOUN
ajceb-1884	100	5	to	to	ADP
ajceb-1884	100	6	the	the	DET
ajceb-1884	100	7	stability	stability	NOUN
ajceb-1884	100	8	of	of	ADP
ajceb-1884	100	9	the	the	DET
ajceb-1884	100	10	financial	financial	ADJ
ajceb-1884	100	11	system	system	NOUN
ajceb-1884	100	12	,	,	PUNCT
ajceb-1884	100	13	apra	apra	NOUN
ajceb-1884	100	14	is	be	AUX
ajceb-1884	100	15	very	very	ADV
ajceb-1884	100	16	vocal	vocal	ADJ
ajceb-1884	100	17	in	in	ADP
ajceb-1884	100	18	stating	state	VERB
ajceb-1884	100	19	that	that	SCONJ
ajceb-1884	100	20	where	where	SCONJ
ajceb-1884	100	21	it	it	PRON
ajceb-1884	100	22	assesses	assess	VERB
ajceb-1884	100	23	that	that	SCONJ
ajceb-1884	100	24	the	the	DET
ajceb-1884	100	25	level	level	NOUN
ajceb-1884	100	26	of	of	ADP
ajceb-1884	100	27	general	general	ADJ
ajceb-1884	100	28	and/or	and/or	CCONJ
ajceb-1884	100	29	specific	specific	ADJ
ajceb-1884	100	30	provisions	provision	NOUN
ajceb-1884	100	31	generated	generate	VERB
ajceb-1884	100	32	by	by	ADP
ajceb-1884	100	33	an	an	DET
ajceb-1884	100	34	australasian	australasian	ADJ
ajceb-1884	100	35	journal	journal	NOUN
ajceb-1884	100	36	of	of	ADP
ajceb-1884	100	37	construction	construction	NOUN
ajceb-1884	100	38	economics	economic	NOUN
ajceb-1884	100	39	and	and	CCONJ
ajceb-1884	100	40	building	building	PROPN
ajceb-1884	100	41	karamujic	karamujic	PROPN
ajceb-1884	100	42	,	,	PUNCT
ajceb-1884	100	43	h	h	NOUN
ajceb-1884	100	44	m	m	VERB
ajceb-1884	100	45	(	(	PUNCT
ajceb-1884	100	46	2010	2010	NUM
ajceb-1884	100	47	)	)	PUNCT
ajceb-1884	100	48	‘	'	PUNCT
ajceb-1884	100	49	an	an	DET
ajceb-1884	100	50	investigation	investigation	NOUN
ajceb-1884	100	51	into	into	ADP
ajceb-1884	100	52	the	the	DET
ajceb-1884	100	53	fundamental	fundamental	ADJ
ajceb-1884	100	54	drivers	driver	NOUN
ajceb-1884	100	55	of	of	ADP
ajceb-1884	100	56	pricing	pricing	NOUN
ajceb-1884	100	57	of	of	ADP
ajceb-1884	100	58	residential	residential	ADJ
ajceb-1884	100	59	mortgage	mortgage	NOUN
ajceb-1884	100	60	products	product	NOUN
ajceb-1884	100	61	–	–	PUNCT
ajceb-1884	100	62	a	a	DET
ajceb-1884	100	63	risk	risk	NOUN
ajceb-1884	100	64	pricing	pricing	NOUN
ajceb-1884	100	65	viewpoint	viewpoint	NOUN
ajceb-1884	100	66	’	'	PUNCT
ajceb-1884	100	67	,	,	PUNCT
ajceb-1884	100	68	australasian	australasian	ADJ
ajceb-1884	100	69	journal	journal	NOUN
ajceb-1884	100	70	of	of	ADP
ajceb-1884	100	71	construction	construction	NOUN
ajceb-1884	100	72	economics	economic	NOUN
ajceb-1884	100	73	and	and	CCONJ
ajceb-1884	100	74	building	building	NOUN
ajceb-1884	100	75	,	,	PUNCT
ajceb-1884	100	76	10	10	NUM
ajceb-1884	100	77	(	(	PUNCT
ajceb-1884	100	78	4	4	NUM
ajceb-1884	100	79	)	)	SYM
ajceb-1884	100	80	60	60	NUM
ajceb-1884	100	81	-	-	SYM
ajceb-1884	100	82	72	72	NUM
ajceb-1884	100	83	65	65	NUM
ajceb-1884	100	84	adi‟s	adi‟s	NUM
ajceb-1884	100	85	own	own	ADJ
ajceb-1884	100	86	methodology	methodology	NOUN
ajceb-1884	100	87	is	be	AUX
ajceb-1884	100	88	not	not	PART
ajceb-1884	100	89	adequately	adequately	ADV
ajceb-1884	100	90	reflecting	reflect	VERB
ajceb-1884	100	91	loss	loss	NOUN
ajceb-1884	100	92	expectations	expectation	NOUN
ajceb-1884	100	93	in	in	ADP
ajceb-1884	100	94	the	the	DET
ajceb-1884	100	95	credit	credit	NOUN
ajceb-1884	100	96	portfolio	portfolio	NOUN
ajceb-1884	100	97	,	,	PUNCT
ajceb-1884	100	98	nor	nor	CCONJ
ajceb-1884	100	99	correctly	correctly	ADV
ajceb-1884	100	100	measuring	measure	VERB
ajceb-1884	100	101	impaired	impaired	ADJ
ajceb-1884	100	102	assets	asset	NOUN
ajceb-1884	100	103	,	,	PUNCT
ajceb-1884	100	104	earnings	earning	NOUN
ajceb-1884	100	105	or	or	CCONJ
ajceb-1884	100	106	capital	capital	NOUN
ajceb-1884	100	107	adequacy	adequacy	NOUN
ajceb-1884	100	108	,	,	PUNCT
ajceb-1884	100	109	it	it	PRON
ajceb-1884	100	110	will	will	AUX
ajceb-1884	100	111	discuss	discuss	VERB
ajceb-1884	100	112	these	these	DET
ajceb-1884	100	113	concerns	concern	NOUN
ajceb-1884	100	114	with	with	ADP
ajceb-1884	100	115	the	the	DET
ajceb-1884	100	116	adi	adi	PROPN
ajceb-1884	100	117	.	.	PUNCT
ajceb-1884	101	1	following	follow	VERB
ajceb-1884	101	2	discussions	discussion	NOUN
ajceb-1884	101	3	between	between	ADP
ajceb-1884	101	4	an	an	DET
ajceb-1884	101	5	adi	adi	NOUN
ajceb-1884	101	6	and	and	CCONJ
ajceb-1884	101	7	apra	apra	NOUN
ajceb-1884	101	8	,	,	PUNCT
ajceb-1884	101	9	the	the	DET
ajceb-1884	101	10	adi	adi	NOUN
ajceb-1884	101	11	may	may	AUX
ajceb-1884	101	12	be	be	AUX
ajceb-1884	101	13	required	require	VERB
ajceb-1884	101	14	to	to	PART
ajceb-1884	101	15	adjust	adjust	VERB
ajceb-1884	101	16	its	its	PRON
ajceb-1884	101	17	level	level	NOUN
ajceb-1884	101	18	of	of	ADP
ajceb-1884	101	19	general	general	ADJ
ajceb-1884	101	20	and/or	and/or	CCONJ
ajceb-1884	101	21	specific	specific	ADJ
ajceb-1884	101	22	provisions	provision	NOUN
ajceb-1884	101	23	and/or	and/or	CCONJ
ajceb-1884	101	24	amend	amend	VERB
ajceb-1884	101	25	its	its	PRON
ajceb-1884	101	26	provisioning	provision	VERB
ajceb-1884	101	27	methodologies	methodology	NOUN
ajceb-1884	101	28	.	.	PUNCT
ajceb-1884	102	1	notionally	notionally	ADV
ajceb-1884	102	2	speaking	speak	VERB
ajceb-1884	102	3	,	,	PUNCT
ajceb-1884	102	4	general	general	ADJ
ajceb-1884	102	5	provisioning	provisioning	NOUN
ajceb-1884	102	6	can	can	AUX
ajceb-1884	102	7	be	be	AUX
ajceb-1884	102	8	catered	cater	VERB
ajceb-1884	102	9	for	for	ADP
ajceb-1884	102	10	by	by	ADP
ajceb-1884	102	11	using	use	VERB
ajceb-1884	102	12	two	two	NUM
ajceb-1884	102	13	methods	method	NOUN
ajceb-1884	102	14	,	,	PUNCT
ajceb-1884	102	15	namely	namely	ADV
ajceb-1884	102	16	risk	risk	VERB
ajceb-1884	102	17	capital9	capital9	NOUN
ajceb-1884	102	18	method	method	NOUN
ajceb-1884	102	19	and	and	CCONJ
ajceb-1884	102	20	regulatory	regulatory	ADJ
ajceb-1884	102	21	capital10	capital10	NOUN
ajceb-1884	102	22	method	method	NOUN
ajceb-1884	102	23	.	.	PUNCT
ajceb-1884	103	1	in	in	ADP
ajceb-1884	103	2	its	its	PRON
ajceb-1884	103	3	pure	pure	ADJ
ajceb-1884	103	4	form	form	NOUN
ajceb-1884	103	5	the	the	DET
ajceb-1884	103	6	total	total	NOUN
ajceb-1884	103	7	of	of	ADP
ajceb-1884	103	8	credit	credit	NOUN
ajceb-1884	103	9	risk11	risk11	NOUN
ajceb-1884	103	10	,	,	PUNCT
ajceb-1884	103	11	market	market	NOUN
ajceb-1884	103	12	risk12	risk12	NOUN
ajceb-1884	103	13	,	,	PUNCT
ajceb-1884	103	14	operational	operational	ADJ
ajceb-1884	103	15	risk13	risk13	NOUN
ajceb-1884	103	16	,	,	PUNCT
ajceb-1884	103	17	interest	interest	NOUN
ajceb-1884	103	18	rate	rate	NOUN
ajceb-1884	103	19	risk	risk	NOUN
ajceb-1884	103	20	in	in	ADP
ajceb-1884	103	21	the	the	DET
ajceb-1884	103	22	banking	banking	NOUN
ajceb-1884	103	23	book14	book14	NOUN
ajceb-1884	103	24	and	and	CCONJ
ajceb-1884	103	25	business	business	NOUN
ajceb-1884	103	26	risk15	risk15	NOUN
ajceb-1884	103	27	capital	capital	NOUN
ajceb-1884	103	28	is	be	AUX
ajceb-1884	103	29	referred	refer	VERB
ajceb-1884	103	30	to	to	ADP
ajceb-1884	103	31	as	as	ADP
ajceb-1884	103	32	“	"	PUNCT
ajceb-1884	103	33	risk	risk	NOUN
ajceb-1884	103	34	capital	capital	NOUN
ajceb-1884	103	35	”	"	PUNCT
ajceb-1884	103	36	.	.	PUNCT
ajceb-1884	104	1	nevertheless	nevertheless	ADV
ajceb-1884	104	2	,	,	PUNCT
ajceb-1884	104	3	for	for	ADP
ajceb-1884	104	4	the	the	DET
ajceb-1884	104	5	purposes	purpose	NOUN
ajceb-1884	104	6	of	of	ADP
ajceb-1884	104	7	this	this	DET
ajceb-1884	104	8	paper	paper	NOUN
ajceb-1884	104	9	,	,	PUNCT
ajceb-1884	104	10	the	the	DET
ajceb-1884	104	11	risk	risk	NOUN
ajceb-1884	104	12	capital	capital	NOUN
ajceb-1884	104	13	represents	represent	VERB
ajceb-1884	104	14	a	a	DET
ajceb-1884	104	15	calculation	calculation	NOUN
ajceb-1884	104	16	of	of	ADP
ajceb-1884	104	17	the	the	DET
ajceb-1884	104	18	capital	capital	NOUN
ajceb-1884	104	19	required	require	VERB
ajceb-1884	104	20	to	to	PART
ajceb-1884	104	21	act	act	VERB
ajceb-1884	104	22	as	as	ADP
ajceb-1884	104	23	a	a	DET
ajceb-1884	104	24	buffer	buffer	NOUN
ajceb-1884	104	25	against	against	ADP
ajceb-1884	104	26	ul	ul	INTJ
ajceb-1884	104	27	for	for	ADP
ajceb-1884	104	28	credit	credit	NOUN
ajceb-1884	104	29	,	,	PUNCT
ajceb-1884	104	30	market	market	NOUN
ajceb-1884	104	31	and	and	CCONJ
ajceb-1884	104	32	operational	operational	ADJ
ajceb-1884	104	33	risks	risk	NOUN
ajceb-1884	104	34	,	,	PUNCT
ajceb-1884	104	35	at	at	ADP
ajceb-1884	104	36	a	a	DET
ajceb-1884	104	37	prescribed	prescribed	ADJ
ajceb-1884	104	38	minimum	minimum	ADJ
ajceb-1884	104	39	confidence	confidence	NOUN
ajceb-1884	104	40	level	level	NOUN
ajceb-1884	104	41	.	.	PUNCT
ajceb-1884	105	1	furthermore	furthermore	ADV
ajceb-1884	105	2	,	,	PUNCT
ajceb-1884	105	3	to	to	PART
ajceb-1884	105	4	simplify	simplify	VERB
ajceb-1884	105	5	the	the	DET
ajceb-1884	105	6	analysis	analysis	NOUN
ajceb-1884	105	7	and	and	CCONJ
ajceb-1884	105	8	because	because	SCONJ
ajceb-1884	105	9	the	the	DET
ajceb-1884	105	10	focus	focus	NOUN
ajceb-1884	105	11	of	of	ADP
ajceb-1884	105	12	our	our	PRON
ajceb-1884	105	13	attention	attention	NOUN
ajceb-1884	105	14	are	be	AUX
ajceb-1884	105	15	home	home	NOUN
ajceb-1884	105	16	loans	loan	NOUN
ajceb-1884	105	17	,	,	PUNCT
ajceb-1884	105	18	for	for	ADP
ajceb-1884	105	19	which	which	PRON
ajceb-1884	105	20	the	the	DET
ajceb-1884	105	21	credit	credit	NOUN
ajceb-1884	105	22	risk	risk	NOUN
ajceb-1884	105	23	typically	typically	ADV
ajceb-1884	105	24	represents	represent	VERB
ajceb-1884	105	25	the	the	DET
ajceb-1884	105	26	largest	large	ADJ
ajceb-1884	105	27	risk	risk	NOUN
ajceb-1884	105	28	,	,	PUNCT
ajceb-1884	105	29	we	we	PRON
ajceb-1884	105	30	assume	assume	VERB
ajceb-1884	105	31	that	that	SCONJ
ajceb-1884	105	32	market	market	NOUN
ajceb-1884	105	33	and	and	CCONJ
ajceb-1884	105	34	operational	operational	ADJ
ajceb-1884	105	35	risks	risk	NOUN
ajceb-1884	105	36	are	be	AUX
ajceb-1884	105	37	not	not	PART
ajceb-1884	105	38	present	present	ADJ
ajceb-1884	105	39	.	.	PUNCT
ajceb-1884	106	1	consequently	consequently	ADV
ajceb-1884	106	2	,	,	PUNCT
ajceb-1884	106	3	the	the	DET
ajceb-1884	106	4	risk	risk	NOUN
ajceb-1884	106	5	capital	capital	NOUN
ajceb-1884	106	6	is	be	AUX
ajceb-1884	106	7	equal	equal	ADJ
ajceb-1884	106	8	to	to	ADP
ajceb-1884	106	9	the	the	DET
ajceb-1884	106	10	credit	credit	NOUN
ajceb-1884	106	11	risk	risk	NOUN
ajceb-1884	106	12	capital	capital	NOUN
ajceb-1884	106	13	.	.	PUNCT
ajceb-1884	107	1	the	the	DET
ajceb-1884	107	2	total	total	NOUN
ajceb-1884	107	3	of	of	ADP
ajceb-1884	107	4	risk	risk	NOUN
ajceb-1884	107	5	capital	capital	NOUN
ajceb-1884	107	6	plus	plus	CCONJ
ajceb-1884	107	7	pension	pension	NOUN
ajceb-1884	107	8	risk16	risk16	NOUN
ajceb-1884	107	9	,	,	PUNCT
ajceb-1884	107	10	dividends	dividend	NOUN
ajceb-1884	107	11	and	and	CCONJ
ajceb-1884	107	12	intangibles17	intangibles17	PROPN
ajceb-1884	107	13	capital	capital	PROPN
ajceb-1884	107	14	is	be	AUX
ajceb-1884	107	15	referred	refer	VERB
ajceb-1884	107	16	to	to	ADP
ajceb-1884	107	17	as	as	ADP
ajceb-1884	107	18	“	"	PUNCT
ajceb-1884	107	19	economic	economic	ADJ
ajceb-1884	107	20	capital	capital	NOUN
ajceb-1884	107	21	”	"	PUNCT
ajceb-1884	107	22	.	.	PUNCT
ajceb-1884	108	1	according	accord	VERB
ajceb-1884	108	2	to	to	ADP
ajceb-1884	108	3	the	the	DET
ajceb-1884	108	4	risk	risk	NOUN
ajceb-1884	108	5	capital	capital	NOUN
ajceb-1884	108	6	methodology	methodology	NOUN
ajceb-1884	108	7	,	,	PUNCT
ajceb-1884	108	8	the	the	DET
ajceb-1884	108	9	ul	ul	NOUN
ajceb-1884	108	10	amount	amount	NOUN
ajceb-1884	108	11	is	be	AUX
ajceb-1884	108	12	the	the	DET
ajceb-1884	108	13	loss	loss	NOUN
ajceb-1884	108	14	of	of	ADP
ajceb-1884	108	15	the	the	DET
ajceb-1884	108	16	worst	bad	ADJ
ajceb-1884	108	17	-	-	PUNCT
ajceb-1884	108	18	case	case	NOUN
ajceb-1884	108	19	scenario	scenario	NOUN
ajceb-1884	108	20	,	,	PUNCT
ajceb-1884	108	21	more	more	ADV
ajceb-1884	108	22	specifically	specifically	ADV
ajceb-1884	108	23	,	,	PUNCT
ajceb-1884	108	24	the	the	DET
ajceb-1884	108	25	difference	difference	NOUN
ajceb-1884	108	26	between	between	ADP
ajceb-1884	108	27	the	the	DET
ajceb-1884	108	28	worst	bad	ADJ
ajceb-1884	108	29	-	-	PUNCT
ajceb-1884	108	30	case	case	NOUN
ajceb-1884	108	31	scenario	scenario	NOUN
ajceb-1884	108	32	loss	loss	NOUN
ajceb-1884	108	33	and	and	CCONJ
ajceb-1884	108	34	the	the	DET
ajceb-1884	108	35	mean	mean	NOUN
ajceb-1884	108	36	.	.	PUNCT
ajceb-1884	109	1	to	to	PART
ajceb-1884	109	2	notionally	notionally	ADV
ajceb-1884	109	3	illustrate	illustrate	VERB
ajceb-1884	109	4	the	the	DET
ajceb-1884	109	5	risk	risk	NOUN
ajceb-1884	109	6	capital	capital	NOUN
ajceb-1884	109	7	methodology	methodology	NOUN
ajceb-1884	109	8	let	let	VERB
ajceb-1884	109	9	us	we	PRON
ajceb-1884	109	10	use	use	VERB
ajceb-1884	109	11	the	the	DET
ajceb-1884	109	12	same	same	ADJ
ajceb-1884	109	13	example	example	NOUN
ajceb-1884	109	14	as	as	SCONJ
ajceb-1884	109	15	before	before	SCONJ
ajceb-1884	109	16	i.e.	i.e.	X
ajceb-1884	109	17	assume	assume	VERB
ajceb-1884	109	18	home	home	NOUN
ajceb-1884	109	19	loans	loan	NOUN
ajceb-1884	109	20	that	that	PRON
ajceb-1884	109	21	lose	lose	VERB
ajceb-1884	109	22	,	,	PUNCT
ajceb-1884	109	23	post	post	NOUN
ajceb-1884	109	24	recovery	recovery	NOUN
ajceb-1884	109	25	,	,	PUNCT
ajceb-1884	109	26	10	10	NUM
ajceb-1884	109	27	per	per	ADP
ajceb-1884	109	28	cent	cent	NOUN
ajceb-1884	109	29	once	once	ADV
ajceb-1884	109	30	every	every	DET
ajceb-1884	109	31	ten	ten	NUM
ajceb-1884	109	32	years	year	NOUN
ajceb-1884	109	33	,	,	PUNCT
ajceb-1884	109	34	and	and	CCONJ
ajceb-1884	109	35	0	0	NUM
ajceb-1884	109	36	per	per	ADP
ajceb-1884	109	37	cent	cent	NOUN
ajceb-1884	109	38	in	in	ADP
ajceb-1884	109	39	the	the	DET
ajceb-1884	109	40	other	other	ADJ
ajceb-1884	109	41	nine	nine	NUM
ajceb-1884	109	42	years	year	NOUN
ajceb-1884	109	43	,	,	PUNCT
ajceb-1884	109	44	within	within	ADP
ajceb-1884	109	45	the	the	DET
ajceb-1884	109	46	same	same	ADJ
ajceb-1884	109	47	estimated	estimate	VERB
ajceb-1884	109	48	risk	risk	NOUN
ajceb-1884	109	49	exposure	exposure	NOUN
ajceb-1884	109	50	environment	environment	NOUN
ajceb-1884	109	51	.	.	PUNCT
ajceb-1884	110	1	as	as	SCONJ
ajceb-1884	110	2	previously	previously	ADV
ajceb-1884	110	3	determined	determine	VERB
ajceb-1884	110	4	,	,	PUNCT
ajceb-1884	110	5	the	the	DET
ajceb-1884	110	6	specific	specific	ADJ
ajceb-1884	110	7	provision	provision	NOUN
ajceb-1884	110	8	charge	charge	NOUN
ajceb-1884	110	9	would	would	AUX
ajceb-1884	110	10	be	be	AUX
ajceb-1884	110	11	one	one	NUM
ajceb-1884	110	12	per	per	ADP
ajceb-1884	110	13	cent	cent	NOUN
ajceb-1884	110	14	.	.	PUNCT
ajceb-1884	111	1	furthermore	furthermore	ADV
ajceb-1884	111	2	,	,	PUNCT
ajceb-1884	111	3	if	if	SCONJ
ajceb-1884	111	4	we	we	PRON
ajceb-1884	111	5	are	be	AUX
ajceb-1884	111	6	to	to	PART
ajceb-1884	111	7	assume	assume	VERB
ajceb-1884	111	8	that	that	SCONJ
ajceb-1884	111	9	the	the	DET
ajceb-1884	111	10	lender	lender	NOUN
ajceb-1884	111	11	is	be	AUX
ajceb-1884	111	12	aiming	aim	VERB
ajceb-1884	111	13	to	to	PART
ajceb-1884	111	14	have	have	VERB
ajceb-1884	111	15	a	a	DET
ajceb-1884	111	16	100	100	NUM
ajceb-1884	111	17	per	per	NOUN
ajceb-1884	111	18	cent	cent	NOUN
ajceb-1884	111	19	confidence	confidence	NOUN
ajceb-1884	111	20	interval	interval	NOUN
ajceb-1884	111	21	,	,	PUNCT
ajceb-1884	111	22	i.e.	i.e.	X
ajceb-1884	111	23	to	to	PART
ajceb-1884	111	24	be	be	AUX
ajceb-1884	111	25	fully	fully	ADV
ajceb-1884	111	26	covered	cover	VERB
ajceb-1884	111	27	,	,	PUNCT
ajceb-1884	111	28	it	it	PRON
ajceb-1884	111	29	would	would	AUX
ajceb-1884	111	30	need	need	VERB
ajceb-1884	111	31	to	to	PART
ajceb-1884	111	32	cover	cover	VERB
ajceb-1884	111	33	for	for	ADP
ajceb-1884	111	34	the	the	DET
ajceb-1884	111	35	90	90	NUM
ajceb-1884	111	36	per	per	NOUN
ajceb-1884	111	37	cent	cent	NOUN
ajceb-1884	111	38	interval	interval	NOUN
ajceb-1884	111	39	of	of	ADP
ajceb-1884	111	40	the	the	DET
ajceb-1884	111	41	residual	residual	ADJ
ajceb-1884	111	42	gap	gap	NOUN
ajceb-1884	111	43	between	between	ADP
ajceb-1884	111	44	the	the	DET
ajceb-1884	111	45	worst	bad	ADJ
ajceb-1884	111	46	-	-	PUNCT
ajceb-1884	111	47	case	case	NOUN
ajceb-1884	111	48	scenario	scenario	NOUN
ajceb-1884	111	49	loss	loss	NOUN
ajceb-1884	111	50	(	(	PUNCT
ajceb-1884	111	51	10	10	NUM
ajceb-1884	111	52	per	per	ADP
ajceb-1884	111	53	cent	cent	NOUN
ajceb-1884	111	54	)	)	PUNCT
ajceb-1884	111	55	and	and	CCONJ
ajceb-1884	111	56	the	the	DET
ajceb-1884	111	57	mean	mean	ADJ
ajceb-1884	111	58	loss	loss	NOUN
ajceb-1884	111	59	(	(	PUNCT
ajceb-1884	111	60	1	1	NUM
ajceb-1884	111	61	per	per	ADP
ajceb-1884	111	62	cent	cent	NOUN
ajceb-1884	111	63	)	)	PUNCT
ajceb-1884	111	64	.	.	PUNCT
ajceb-1884	112	1	with	with	ADP
ajceb-1884	112	2	the	the	DET
ajceb-1884	112	3	worst	bad	ADJ
ajceb-1884	112	4	-	-	PUNCT
ajceb-1884	112	5	case	case	NOUN
ajceb-1884	112	6	scenario	scenario	NOUN
ajceb-1884	112	7	loss	loss	NOUN
ajceb-1884	112	8	being	be	AUX
ajceb-1884	112	9	10	10	NUM
ajceb-1884	112	10	per	per	ADP
ajceb-1884	112	11	cent	cent	NOUN
ajceb-1884	112	12	and	and	CCONJ
ajceb-1884	112	13	the	the	DET
ajceb-1884	112	14	mean	mean	ADJ
ajceb-1884	112	15	loss	loss	NOUN
ajceb-1884	112	16	being	be	AUX
ajceb-1884	112	17	one	one	NUM
ajceb-1884	112	18	per	per	ADP
ajceb-1884	112	19	cent	cent	NOUN
ajceb-1884	112	20	,	,	PUNCT
ajceb-1884	112	21	the	the	DET
ajceb-1884	112	22	ul	ul	NOUN
ajceb-1884	112	23	amount	amount	NOUN
ajceb-1884	112	24	would	would	AUX
ajceb-1884	112	25	be	be	AUX
ajceb-1884	112	26	9	9	NUM
ajceb-1884	112	27	per	per	ADP
ajceb-1884	112	28	cent	cent	NOUN
ajceb-1884	112	29	.	.	PUNCT
ajceb-1884	113	1	consequently	consequently	ADV
ajceb-1884	113	2	,	,	PUNCT
ajceb-1884	113	3	the	the	DET
ajceb-1884	113	4	product	product	NOUN
ajceb-1884	113	5	level	level	NOUN
ajceb-1884	113	6	gross	gross	ADJ
ajceb-1884	113	7	amount	amount	NOUN
ajceb-1884	113	8	of	of	ADP
ajceb-1884	113	9	risk	risk	NOUN
ajceb-1884	113	10	capital	capital	NOUN
ajceb-1884	113	11	required	require	VERB
ajceb-1884	113	12	is	be	AUX
ajceb-1884	113	13	9	9	NUM
ajceb-1884	113	14	per	per	ADP
ajceb-1884	113	15	cent	cent	NOUN
ajceb-1884	113	16	multiplied	multiply	VERB
ajceb-1884	113	17	by	by	ADP
ajceb-1884	113	18	the	the	DET
ajceb-1884	113	19	outstanding	outstanding	ADJ
ajceb-1884	113	20	loan	loan	NOUN
ajceb-1884	113	21	amount	amount	NOUN
ajceb-1884	113	22	.	.	PUNCT
ajceb-1884	114	1	in	in	ADP
ajceb-1884	114	2	practice	practice	NOUN
ajceb-1884	114	3	,	,	PUNCT
ajceb-1884	114	4	the	the	DET
ajceb-1884	114	5	confidence	confidence	NOUN
ajceb-1884	114	6	interval	interval	NOUN
ajceb-1884	114	7	is	be	AUX
ajceb-1884	114	8	directly	directly	ADV
ajceb-1884	114	9	related	relate	VERB
ajceb-1884	114	10	to	to	ADP
ajceb-1884	114	11	the	the	DET
ajceb-1884	114	12	lender‟s	lender‟s	ADJ
ajceb-1884	114	13	credit	credit	NOUN
ajceb-1884	114	14	rating	rating	NOUN
ajceb-1884	114	15	.	.	PUNCT
ajceb-1884	115	1	for	for	ADP
ajceb-1884	115	2	example	example	NOUN
ajceb-1884	115	3	,	,	PUNCT
ajceb-1884	115	4	the	the	DET
ajceb-1884	115	5	national	national	PROPN
ajceb-1884	115	6	australia	australia	PROPN
ajceb-1884	115	7	bank‟s	bank‟s	PROPN
ajceb-1884	115	8	(	(	PUNCT
ajceb-1884	115	9	nab‟s	nab‟s	NOUN
ajceb-1884	115	10	)	)	PUNCT
ajceb-1884	115	11	current	current	ADJ
ajceb-1884	115	12	credit	credit	NOUN
ajceb-1884	115	13	rating	rating	NOUN
ajceb-1884	115	14	of	of	ADP
ajceb-1884	115	15	aa	aa	PROPN
ajceb-1884	115	16	implies	imply	VERB
ajceb-1884	115	17	that	that	SCONJ
ajceb-1884	115	18	the	the	DET
ajceb-1884	115	19	bank	bank	NOUN
ajceb-1884	115	20	-	-	PUNCT
ajceb-1884	115	21	wide	wide	ADJ
ajceb-1884	115	22	capital	capital	NOUN
ajceb-1884	115	23	should	should	AUX
ajceb-1884	115	24	go	go	VERB
ajceb-1884	115	25	to	to	ADP
ajceb-1884	115	26	a	a	DET
ajceb-1884	115	27	99.97	99.97	NUM
ajceb-1884	115	28	per	per	ADP
ajceb-1884	115	29	cent	cent	NOUN
ajceb-1884	115	30	worst	bad	ADJ
ajceb-1884	115	31	-	-	PUNCT
ajceb-1884	115	32	case	case	NOUN
ajceb-1884	115	33	scenario	scenario	NOUN
ajceb-1884	115	34	,	,	PUNCT
ajceb-1884	115	35	allowing	allow	VERB
ajceb-1884	115	36	a	a	DET
ajceb-1884	115	37	probability	probability	NOUN
ajceb-1884	115	38	9	9	NUM
ajceb-1884	115	39	the	the	DET
ajceb-1884	115	40	term	term	NOUN
ajceb-1884	115	41	risk	risk	NOUN
ajceb-1884	115	42	capital	capital	NOUN
ajceb-1884	115	43	method	method	NOUN
ajceb-1884	115	44	is	be	AUX
ajceb-1884	115	45	purposely	purposely	ADV
ajceb-1884	115	46	used	use	VERB
ajceb-1884	115	47	to	to	PART
ajceb-1884	115	48	differentiate	differentiate	VERB
ajceb-1884	115	49	from	from	ADP
ajceb-1884	115	50	the	the	DET
ajceb-1884	115	51	regulatory	regulatory	ADJ
ajceb-1884	115	52	capital	capital	NOUN
ajceb-1884	115	53	method	method	NOUN
ajceb-1884	115	54	.	.	PUNCT
ajceb-1884	116	1	other	other	ADJ
ajceb-1884	116	2	commonly	commonly	ADV
ajceb-1884	116	3	used	use	VERB
ajceb-1884	116	4	,	,	PUNCT
ajceb-1884	116	5	and	and	CCONJ
ajceb-1884	116	6	probably	probably	ADV
ajceb-1884	116	7	more	more	ADV
ajceb-1884	116	8	precise	precise	ADJ
ajceb-1884	116	9	,	,	PUNCT
ajceb-1884	116	10	term	term	NOUN
ajceb-1884	116	11	to	to	PART
ajceb-1884	116	12	depict	depict	VERB
ajceb-1884	116	13	this	this	DET
ajceb-1884	116	14	method	method	NOUN
ajceb-1884	116	15	is	be	AUX
ajceb-1884	116	16	“	"	PUNCT
ajceb-1884	116	17	calculation	calculation	NOUN
ajceb-1884	116	18	of	of	ADP
ajceb-1884	116	19	the	the	DET
ajceb-1884	116	20	regulatory	regulatory	ADJ
ajceb-1884	116	21	capital	capital	NOUN
ajceb-1884	116	22	in	in	ADP
ajceb-1884	116	23	accordance	accordance	NOUN
ajceb-1884	116	24	to	to	ADP
ajceb-1884	116	25	the	the	DET
ajceb-1884	116	26	basel	basel	PROPN
ajceb-1884	116	27	ii‟s	ii‟s	PROPN
ajceb-1884	116	28	internal	internal	ADJ
ajceb-1884	116	29	ratings	rating	NOUN
ajceb-1884	116	30	-	-	PUNCT
ajceb-1884	116	31	based	base	VERB
ajceb-1884	116	32	(	(	PUNCT
ajceb-1884	116	33	irb	irb	PROPN
ajceb-1884	116	34	)	)	PUNCT
ajceb-1884	116	35	approach	approach	NOUN
ajceb-1884	116	36	”	"	PUNCT
ajceb-1884	116	37	.	.	PUNCT
ajceb-1884	117	1	10	10	NUM
ajceb-1884	117	2	also	also	ADV
ajceb-1884	117	3	known	know	VERB
ajceb-1884	117	4	as	as	ADP
ajceb-1884	117	5	“	"	PUNCT
ajceb-1884	117	6	calculation	calculation	NOUN
ajceb-1884	117	7	of	of	ADP
ajceb-1884	117	8	the	the	DET
ajceb-1884	117	9	regulatory	regulatory	ADJ
ajceb-1884	117	10	capital	capital	NOUN
ajceb-1884	117	11	in	in	ADP
ajceb-1884	117	12	accordance	accordance	NOUN
ajceb-1884	117	13	to	to	ADP
ajceb-1884	117	14	basel	basel	PROPN
ajceb-1884	117	15	i	i	PROPN
ajceb-1884	117	16	or	or	CCONJ
ajceb-1884	117	17	the	the	DET
ajceb-1884	117	18	basel	basel	PROPN
ajceb-1884	117	19	ii‟s	ii‟s	PROPN
ajceb-1884	117	20	standardized	standardize	VERB
ajceb-1884	117	21	approach	approach	NOUN
ajceb-1884	117	22	”	"	PUNCT
ajceb-1884	117	23	.	.	PUNCT
ajceb-1884	118	1	11	11	NUM
ajceb-1884	118	2	the	the	DET
ajceb-1884	118	3	risk	risk	NOUN
ajceb-1884	118	4	arising	arise	VERB
ajceb-1884	118	5	from	from	ADP
ajceb-1884	118	6	a	a	DET
ajceb-1884	118	7	borrower‟s	borrower‟s	ADJ
ajceb-1884	118	8	failure	failure	NOUN
ajceb-1884	118	9	to	to	PART
ajceb-1884	118	10	meet	meet	VERB
ajceb-1884	118	11	the	the	DET
ajceb-1884	118	12	term	term	NOUN
ajceb-1884	118	13	of	of	ADP
ajceb-1884	118	14	any	any	DET
ajceb-1884	118	15	contract	contract	NOUN
ajceb-1884	118	16	with	with	ADP
ajceb-1884	118	17	the	the	DET
ajceb-1884	118	18	lender	lender	NOUN
ajceb-1884	118	19	or	or	CCONJ
ajceb-1884	118	20	otherwise	otherwise	ADV
ajceb-1884	118	21	fail	fail	VERB
ajceb-1884	118	22	to	to	PART
ajceb-1884	118	23	perform	perform	VERB
ajceb-1884	118	24	as	as	SCONJ
ajceb-1884	118	25	agreed	agree	VERB
ajceb-1884	118	26	.	.	PUNCT
ajceb-1884	119	1	12	12	NUM
ajceb-1884	120	1	the	the	DET
ajceb-1884	120	2	risk	risk	NOUN
ajceb-1884	120	3	arising	arise	VERB
ajceb-1884	120	4	from	from	ADP
ajceb-1884	120	5	adverse	adverse	ADJ
ajceb-1884	120	6	market	market	NOUN
ajceb-1884	120	7	movement	movement	NOUN
ajceb-1884	120	8	in	in	ADP
ajceb-1884	120	9	the	the	DET
ajceb-1884	120	10	trading	trading	NOUN
ajceb-1884	120	11	book	book	NOUN
ajceb-1884	120	12	which	which	PRON
ajceb-1884	120	13	arises	arise	VERB
ajceb-1884	120	14	from	from	ADP
ajceb-1884	120	15	money	money	NOUN
ajceb-1884	120	16	market	market	NOUN
ajceb-1884	120	17	dealing	dealing	NOUN
ajceb-1884	120	18	and	and	CCONJ
ajceb-1884	120	19	position	position	NOUN
ajceb-1884	120	20	13	13	NUM
ajceb-1884	120	21	the	the	DET
ajceb-1884	120	22	risk	risk	NOUN
ajceb-1884	120	23	of	of	ADP
ajceb-1884	120	24	loss	loss	NOUN
ajceb-1884	120	25	resulting	result	VERB
ajceb-1884	120	26	from	from	ADP
ajceb-1884	120	27	inadequate	inadequate	ADJ
ajceb-1884	120	28	or	or	CCONJ
ajceb-1884	120	29	failed	fail	VERB
ajceb-1884	120	30	internal	internal	ADJ
ajceb-1884	120	31	processes	process	NOUN
ajceb-1884	120	32	,	,	PUNCT
ajceb-1884	120	33	people	people	NOUN
ajceb-1884	120	34	and	and	CCONJ
ajceb-1884	120	35	systems	system	NOUN
ajceb-1884	120	36	or	or	CCONJ
ajceb-1884	120	37	from	from	ADP
ajceb-1884	120	38	external	external	ADJ
ajceb-1884	120	39	events	event	NOUN
ajceb-1884	120	40	.	.	PUNCT
ajceb-1884	121	1	14	14	NUM
ajceb-1884	121	2	the	the	DET
ajceb-1884	121	3	risk	risk	NOUN
ajceb-1884	121	4	arising	arise	VERB
ajceb-1884	121	5	from	from	ADP
ajceb-1884	121	6	adverse	adverse	ADJ
ajceb-1884	121	7	movements	movement	NOUN
ajceb-1884	121	8	in	in	ADP
ajceb-1884	121	9	interest	interest	NOUN
ajceb-1884	121	10	rates	rate	NOUN
ajceb-1884	121	11	on	on	ADP
ajceb-1884	121	12	the	the	DET
ajceb-1884	121	13	structural	structural	ADJ
ajceb-1884	121	14	interest	interest	NOUN
ajceb-1884	121	15	rate	rate	NOUN
ajceb-1884	121	16	position	position	NOUN
ajceb-1884	121	17	in	in	ADP
ajceb-1884	121	18	the	the	DET
ajceb-1884	121	19	banking	banking	NOUN
ajceb-1884	121	20	book	book	NOUN
ajceb-1884	121	21	.	.	PUNCT
ajceb-1884	122	1	15	15	NUM
ajceb-1884	122	2	the	the	DET
ajceb-1884	122	3	risk	risk	NOUN
ajceb-1884	122	4	to	to	ADP
ajceb-1884	122	5	earnings	earning	NOUN
ajceb-1884	122	6	and	and	CCONJ
ajceb-1884	122	7	capital	capital	NOUN
ajceb-1884	122	8	arising	arise	VERB
ajceb-1884	122	9	from	from	ADP
ajceb-1884	122	10	the	the	DET
ajceb-1884	122	11	lender‟s	lender‟s	ADJ
ajceb-1884	122	12	exposure	exposure	NOUN
ajceb-1884	122	13	to	to	ADP
ajceb-1884	122	14	potential	potential	ADJ
ajceb-1884	122	15	operating	operating	NOUN
ajceb-1884	122	16	losses	loss	NOUN
ajceb-1884	122	17	following	follow	VERB
ajceb-1884	122	18	an	an	DET
ajceb-1884	122	19	unexpected	unexpected	ADJ
ajceb-1884	122	20	reduction	reduction	NOUN
ajceb-1884	122	21	in	in	ADP
ajceb-1884	122	22	revenue	revenue	NOUN
ajceb-1884	122	23	that	that	PRON
ajceb-1884	122	24	can	can	AUX
ajceb-1884	122	25	not	not	PART
ajceb-1884	122	26	be	be	AUX
ajceb-1884	122	27	offset	offset	VERB
ajceb-1884	122	28	by	by	ADP
ajceb-1884	122	29	a	a	DET
ajceb-1884	122	30	corresponding	correspond	VERB
ajceb-1884	122	31	timely	timely	ADJ
ajceb-1884	122	32	decrease	decrease	NOUN
ajceb-1884	122	33	in	in	ADP
ajceb-1884	122	34	expenses	expense	NOUN
ajceb-1884	122	35	.	.	PUNCT
ajceb-1884	123	1	16	16	NUM
ajceb-1884	124	1	the	the	DET
ajceb-1884	124	2	risk	risk	NOUN
ajceb-1884	124	3	that	that	SCONJ
ajceb-1884	124	4	assets	asset	NOUN
ajceb-1884	124	5	are	be	AUX
ajceb-1884	124	6	insufficient	insufficient	ADJ
ajceb-1884	124	7	to	to	PART
ajceb-1884	124	8	meet	meet	VERB
ajceb-1884	124	9	the	the	DET
ajceb-1884	124	10	lender‟s	lender‟s	ADJ
ajceb-1884	124	11	legal	legal	ADJ
ajceb-1884	124	12	and	and	CCONJ
ajceb-1884	124	13	moral	moral	ADJ
ajceb-1884	124	14	obligations	obligation	NOUN
ajceb-1884	124	15	to	to	ADP
ajceb-1884	124	16	the	the	DET
ajceb-1884	124	17	current	current	ADJ
ajceb-1884	124	18	and	and	CCONJ
ajceb-1884	124	19	former	former	ADJ
ajceb-1884	124	20	members	member	NOUN
ajceb-1884	124	21	of	of	ADP
ajceb-1884	124	22	the	the	DET
ajceb-1884	124	23	relevant	relevant	ADJ
ajceb-1884	124	24	pension	pension	NOUN
ajceb-1884	124	25	schemes	scheme	NOUN
ajceb-1884	124	26	.	.	PUNCT
ajceb-1884	125	1	17	17	NUM
ajceb-1884	125	2	in	in	ADP
ajceb-1884	125	3	addition	addition	NOUN
ajceb-1884	125	4	to	to	ADP
ajceb-1884	125	5	capital	capital	NOUN
ajceb-1884	125	6	to	to	PART
ajceb-1884	125	7	support	support	VERB
ajceb-1884	125	8	the	the	DET
ajceb-1884	125	9	inherent	inherent	ADJ
ajceb-1884	125	10	risks	risk	NOUN
ajceb-1884	125	11	,	,	PUNCT
ajceb-1884	125	12	the	the	DET
ajceb-1884	125	13	applicable	applicable	ADJ
ajceb-1884	125	14	solvency	solvency	NOUN
ajceb-1884	125	15	standards	standard	NOUN
ajceb-1884	125	16	require	require	VERB
ajceb-1884	125	17	holding	holding	NOUN
ajceb-1884	125	18	of	of	ADP
ajceb-1884	125	19	sufficient	sufficient	ADJ
ajceb-1884	125	20	capital	capital	NOUN
ajceb-1884	125	21	to	to	PART
ajceb-1884	125	22	meet	meet	VERB
ajceb-1884	125	23	shareholder	shareholder	NOUN
ajceb-1884	125	24	dividend	dividend	NOUN
ajceb-1884	125	25	payouts	payout	NOUN
ajceb-1884	125	26	and	and	CCONJ
ajceb-1884	125	27	intangibles	intangible	NOUN
ajceb-1884	125	28	such	such	ADJ
ajceb-1884	125	29	as	as	ADP
ajceb-1884	125	30	unamortised	unamortised	ADJ
ajceb-1884	125	31	goodwill	goodwill	NOUN
ajceb-1884	125	32	,	,	PUNCT
ajceb-1884	125	33	asset	asset	NOUN
ajceb-1884	125	34	revaluation	revaluation	NOUN
ajceb-1884	125	35	reserves	reserve	NOUN
ajceb-1884	125	36	,	,	PUNCT
ajceb-1884	125	37	future	future	ADJ
ajceb-1884	125	38	income	income	NOUN
ajceb-1884	125	39	tax	tax	NOUN
ajceb-1884	125	40	benefits	benefit	NOUN
ajceb-1884	125	41	and	and	CCONJ
ajceb-1884	125	42	capitalised	capitalise	VERB
ajceb-1884	125	43	expenses	expense	NOUN
ajceb-1884	125	44	.	.	PUNCT
ajceb-1884	126	1	australasian	australasian	ADJ
ajceb-1884	126	2	journal	journal	NOUN
ajceb-1884	126	3	of	of	ADP
ajceb-1884	126	4	construction	construction	NOUN
ajceb-1884	126	5	economics	economic	NOUN
ajceb-1884	126	6	and	and	CCONJ
ajceb-1884	126	7	building	building	PROPN
ajceb-1884	126	8	karamujic	karamujic	PROPN
ajceb-1884	126	9	,	,	PUNCT
ajceb-1884	126	10	h	h	NOUN
ajceb-1884	126	11	m	m	VERB
ajceb-1884	126	12	(	(	PUNCT
ajceb-1884	126	13	2010	2010	NUM
ajceb-1884	126	14	)	)	PUNCT
ajceb-1884	127	1	‘	'	PUNCT
ajceb-1884	127	2	an	an	DET
ajceb-1884	127	3	investigation	investigation	NOUN
ajceb-1884	127	4	into	into	ADP
ajceb-1884	127	5	the	the	DET
ajceb-1884	127	6	fundamental	fundamental	ADJ
ajceb-1884	127	7	drivers	driver	NOUN
ajceb-1884	127	8	of	of	ADP
ajceb-1884	127	9	pricing	pricing	NOUN
ajceb-1884	127	10	of	of	ADP
ajceb-1884	127	11	residential	residential	ADJ
ajceb-1884	127	12	mortgage	mortgage	NOUN
ajceb-1884	127	13	products	product	NOUN
ajceb-1884	127	14	–	–	PUNCT
ajceb-1884	127	15	a	a	DET
ajceb-1884	127	16	risk	risk	NOUN
ajceb-1884	127	17	pricing	pricing	NOUN
ajceb-1884	127	18	viewpoint	viewpoint	NOUN
ajceb-1884	127	19	’	'	PUNCT
ajceb-1884	127	20	,	,	PUNCT
ajceb-1884	127	21	australasian	australasian	ADJ
ajceb-1884	127	22	journal	journal	NOUN
ajceb-1884	127	23	of	of	ADP
ajceb-1884	127	24	construction	construction	NOUN
ajceb-1884	127	25	economics	economic	NOUN
ajceb-1884	127	26	and	and	CCONJ
ajceb-1884	127	27	building	building	NOUN
ajceb-1884	127	28	,	,	PUNCT
ajceb-1884	127	29	10	10	NUM
ajceb-1884	127	30	(	(	PUNCT
ajceb-1884	127	31	4	4	NUM
ajceb-1884	127	32	)	)	SYM
ajceb-1884	127	33	60	60	NUM
ajceb-1884	127	34	-	-	SYM
ajceb-1884	127	35	72	72	NUM
ajceb-1884	127	36	66	66	NUM
ajceb-1884	127	37	of	of	ADP
ajceb-1884	127	38	only	only	ADV
ajceb-1884	127	39	0.03	0.03	NUM
ajceb-1884	127	40	per	per	ADP
ajceb-1884	127	41	cent	cent	NOUN
ajceb-1884	127	42	of	of	ADP
ajceb-1884	127	43	the	the	DET
ajceb-1884	127	44	historical	historical	ADJ
ajceb-1884	127	45	worst	bad	ADJ
ajceb-1884	127	46	-	-	PUNCT
ajceb-1884	127	47	case	case	NOUN
ajceb-1884	127	48	scenario	scenario	NOUN
ajceb-1884	127	49	not	not	PART
ajceb-1884	127	50	being	be	AUX
ajceb-1884	127	51	covered	cover	VERB
ajceb-1884	127	52	.	.	PUNCT
ajceb-1884	128	1	in	in	ADP
ajceb-1884	128	2	this	this	DET
ajceb-1884	128	3	view	view	NOUN
ajceb-1884	128	4	,	,	PUNCT
ajceb-1884	128	5	capital	capital	NOUN
ajceb-1884	128	6	represents	represent	VERB
ajceb-1884	128	7	the	the	DET
ajceb-1884	128	8	amount	amount	NOUN
ajceb-1884	128	9	needed	need	VERB
ajceb-1884	128	10	as	as	ADP
ajceb-1884	128	11	a	a	DET
ajceb-1884	128	12	cushion	cushion	NOUN
ajceb-1884	128	13	against	against	ADP
ajceb-1884	128	14	hard	hard	ADJ
ajceb-1884	128	15	times	time	NOUN
ajceb-1884	128	16	.	.	PUNCT
ajceb-1884	129	1	formally	formally	ADV
ajceb-1884	129	2	,	,	PUNCT
ajceb-1884	129	3	the	the	DET
ajceb-1884	129	4	calculation	calculation	NOUN
ajceb-1884	129	5	of	of	ADP
ajceb-1884	129	6	ul	ul	NOUN
ajceb-1884	129	7	amount	amount	NOUN
ajceb-1884	129	8	(	(	PUNCT
ajceb-1884	129	9	also	also	ADV
ajceb-1884	129	10	known	know	VERB
ajceb-1884	129	11	as	as	ADP
ajceb-1884	129	12	the	the	DET
ajceb-1884	129	13	gross	gross	ADJ
ajceb-1884	129	14	risk	risk	NOUN
ajceb-1884	129	15	capital	capital	NOUN
ajceb-1884	129	16	amount	amount	NOUN
ajceb-1884	129	17	(	(	PUNCT
ajceb-1884	129	18	grca	grca	ADV
ajceb-1884	129	19	)	)	PUNCT
ajceb-1884	129	20	)	)	PUNCT
ajceb-1884	129	21	can	can	AUX
ajceb-1884	129	22	be	be	AUX
ajceb-1884	129	23	defined	define	VERB
ajceb-1884	129	24	as	as	ADP
ajceb-1884	129	25	the	the	DET
ajceb-1884	129	26	standard	standard	ADJ
ajceb-1884	129	27	deviation	deviation	NOUN
ajceb-1884	129	28	of	of	ADP
ajceb-1884	129	29	the	the	DET
ajceb-1884	129	30	default	default	NOUN
ajceb-1884	129	31	expectancy	expectancy	NOUN
ajceb-1884	129	32	of	of	ADP
ajceb-1884	129	33	a	a	DET
ajceb-1884	129	34	loan	loan	NOUN
ajceb-1884	129	35	:	:	PUNCT
ajceb-1884	129	36	grca	grca	NOUN
ajceb-1884	129	37	=	=	PUNCT
ajceb-1884	129	38	ul	ul	INTJ
ajceb-1884	129	39	=	=	SYM
ajceb-1884	129	40	(	(	PUNCT
ajceb-1884	129	41	el	el	PROPN
ajceb-1884	129	42	x	x	PROPN
ajceb-1884	129	43	(	(	PUNCT
ajceb-1884	129	44	lgd	lgd	PROPN
ajceb-1884	129	45	–	–	PUNCT
ajceb-1884	129	46	el	el	NOUN
ajceb-1884	129	47	)	)	PUNCT
ajceb-1884	129	48	)	)	PUNCT
ajceb-1884	129	49	1/2	1/2	NUM
ajceb-1884	129	50	(	(	PUNCT
ajceb-1884	129	51	7	7	NUM
ajceb-1884	129	52	)	)	PUNCT
ajceb-1884	129	53	and	and	CCONJ
ajceb-1884	129	54	el	el	PROPN
ajceb-1884	129	55	=	=	PROPN
ajceb-1884	129	56	pd	pd	PROPN
ajceb-1884	129	57	x	x	SYM
ajceb-1884	129	58	lgd	lgd	PROPN
ajceb-1884	129	59	(	(	PUNCT
ajceb-1884	129	60	8)	8)	NUM
ajceb-1884	129	61	thus	thus	ADV
ajceb-1884	129	62	,	,	PUNCT
ajceb-1884	129	63	to	to	PART
ajceb-1884	129	64	calculate	calculate	VERB
ajceb-1884	129	65	the	the	DET
ajceb-1884	129	66	ul	ul	NOUN
ajceb-1884	129	67	amount	amount	NOUN
ajceb-1884	129	68	for	for	ADP
ajceb-1884	129	69	a	a	DET
ajceb-1884	129	70	single	single	ADJ
ajceb-1884	129	71	exposure	exposure	NOUN
ajceb-1884	129	72	(	(	PUNCT
ajceb-1884	129	73	ulamt	ulamt	PROPN
ajceb-1884	129	74	)	)	PUNCT
ajceb-1884	129	75	we	we	PRON
ajceb-1884	129	76	use	use	VERB
ajceb-1884	129	77	grca	grca	NOUN
ajceb-1884	129	78	amt	amt	PROPN
ajceb-1884	129	79	=	=	SYM
ajceb-1884	129	80	ulamt	ulamt	PROPN
ajceb-1884	129	81	=	=	PUNCT
ajceb-1884	129	82	ead	ead	PROPN
ajceb-1884	129	83	x	x	SYM
ajceb-1884	129	84	uli	uli	PROPN
ajceb-1884	129	85	,	,	PUNCT
ajceb-1884	129	86	(	(	PUNCT
ajceb-1884	129	87	10	10	NUM
ajceb-1884	129	88	)	)	PUNCT
ajceb-1884	129	89	where	where	SCONJ
ajceb-1884	129	90	uli	uli	PROPN
ajceb-1884	129	91	is	be	AUX
ajceb-1884	129	92	the	the	DET
ajceb-1884	129	93	rate	rate	NOUN
ajceb-1884	129	94	of	of	ADP
ajceb-1884	129	95	ul	ul	INTJ
ajceb-1884	129	96	for	for	ADP
ajceb-1884	129	97	a	a	DET
ajceb-1884	129	98	single	single	ADJ
ajceb-1884	129	99	exposure	exposure	NOUN
ajceb-1884	129	100	.	.	PUNCT
ajceb-1884	130	1	at	at	ADP
ajceb-1884	130	2	a	a	DET
ajceb-1884	130	3	portfolio	portfolio	NOUN
ajceb-1884	130	4	level	level	NOUN
ajceb-1884	130	5	,	,	PUNCT
ajceb-1884	130	6	the	the	DET
ajceb-1884	130	7	calculation	calculation	NOUN
ajceb-1884	130	8	of	of	ADP
ajceb-1884	130	9	ul	ul	NOUN
ajceb-1884	130	10	portfolio	portfolio	NOUN
ajceb-1884	130	11	amount	amount	NOUN
ajceb-1884	130	12	(	(	PUNCT
ajceb-1884	130	13	ulp	ulp	NOUN
ajceb-1884	130	14	)	)	PUNCT
ajceb-1884	130	15	is	be	AUX
ajceb-1884	130	16	conducted	conduct	VERB
ajceb-1884	130	17	over	over	ADP
ajceb-1884	130	18	the	the	DET
ajceb-1884	130	19	aggregated	aggregate	VERB
ajceb-1884	130	20	exposure	exposure	NOUN
ajceb-1884	130	21	,	,	PUNCT
ajceb-1884	130	22	given	give	VERB
ajceb-1884	130	23	the	the	DET
ajceb-1884	130	24	approach	approach	NOUN
ajceb-1884	130	25	assumes	assume	VERB
ajceb-1884	130	26	a	a	DET
ajceb-1884	130	27	portfolio	portfolio	NOUN
ajceb-1884	130	28	level	level	NOUN
ajceb-1884	130	29	pd	pd	PROPN
ajceb-1884	130	30	.	.	PUNCT
ajceb-1884	131	1	thus	thus	ADV
ajceb-1884	131	2	:	:	PUNCT
ajceb-1884	131	3	grca	grca	PROPN
ajceb-1884	131	4	p	p	NOUN
ajceb-1884	131	5	=	=	X
ajceb-1884	131	6	ulp	ulp	NOUN
ajceb-1884	131	7	=	=	SYM
ajceb-1884	131	8	eadp	eadp	PROPN
ajceb-1884	131	9	x	x	PROPN
ajceb-1884	131	10	ulp	ulp	PROPN
ajceb-1884	131	11	(	(	PUNCT
ajceb-1884	131	12	11	11	NUM
ajceb-1884	131	13	)	)	PUNCT
ajceb-1884	131	14	following	follow	VERB
ajceb-1884	131	15	calculation	calculation	NOUN
ajceb-1884	131	16	of	of	ADP
ajceb-1884	131	17	portfolio	portfolio	NOUN
ajceb-1884	131	18	-	-	PUNCT
ajceb-1884	131	19	level	level	NOUN
ajceb-1884	131	20	ulp	ulp	NOUN
ajceb-1884	131	21	,	,	PUNCT
ajceb-1884	131	22	to	to	PART
ajceb-1884	131	23	calculate	calculate	VERB
ajceb-1884	131	24	ul	ul	INTJ
ajceb-1884	131	25	for	for	ADP
ajceb-1884	131	26	all	all	DET
ajceb-1884	131	27	portfolios	portfolio	NOUN
ajceb-1884	131	28	(	(	PUNCT
ajceb-1884	131	29	ulpo	ulpo	PROPN
ajceb-1884	131	30	)	)	PUNCT
ajceb-1884	131	31	,	,	PUNCT
ajceb-1884	131	32	we	we	PRON
ajceb-1884	131	33	need	need	VERB
ajceb-1884	131	34	to	to	PART
ajceb-1884	131	35	correlate	correlate	VERB
ajceb-1884	131	36	ulp	ulp	NOUN
ajceb-1884	131	37	to	to	ADP
ajceb-1884	131	38	the	the	DET
ajceb-1884	131	39	total	total	ADJ
ajceb-1884	131	40	lender‟s	lender‟s	PROPN
ajceb-1884	131	41	portfolio	portfolio	NOUN
ajceb-1884	131	42	loan	loan	NOUN
ajceb-1884	131	43	loss	loss	NOUN
ajceb-1884	131	44	likelihood	likelihood	NOUN
ajceb-1884	131	45	.	.	PUNCT
ajceb-1884	132	1	grcapo	grcapo	X
ajceb-1884	132	2	=	=	PUNCT
ajceb-1884	132	3	ulpo	ulpo	PROPN
ajceb-1884	132	4	=	=	SYM
ajceb-1884	132	5	ulp	ulp	PROPN
ajceb-1884	132	6	x	x	X
ajceb-1884	132	7	√corr	√corr	X
ajceb-1884	132	8	(	(	PUNCT
ajceb-1884	132	9	12	12	NUM
ajceb-1884	132	10	)	)	PUNCT
ajceb-1884	132	11	finally	finally	ADV
ajceb-1884	132	12	,	,	PUNCT
ajceb-1884	132	13	the	the	DET
ajceb-1884	132	14	grcapo	grcapo	NOUN
ajceb-1884	132	15	at	at	ADP
ajceb-1884	132	16	the	the	DET
ajceb-1884	132	17	required	require	VERB
ajceb-1884	132	18	confidence	confidence	NOUN
ajceb-1884	132	19	level	level	NOUN
ajceb-1884	132	20	(	(	PUNCT
ajceb-1884	132	21	grcarcl	grcarcl	NOUN
ajceb-1884	132	22	)	)	PUNCT
ajceb-1884	132	23	is	be	AUX
ajceb-1884	132	24	calculated	calculate	VERB
ajceb-1884	132	25	by	by	ADP
ajceb-1884	132	26	multiplying	multiply	VERB
ajceb-1884	132	27	the	the	DET
ajceb-1884	132	28	correlated	correlate	VERB
ajceb-1884	132	29	ulpo	ulpo	NOUN
ajceb-1884	132	30	amount	amount	NOUN
ajceb-1884	132	31	by	by	ADP
ajceb-1884	132	32	the	the	DET
ajceb-1884	132	33	appropriate	appropriate	ADJ
ajceb-1884	132	34	number	number	NOUN
ajceb-1884	132	35	of	of	ADP
ajceb-1884	132	36	standard	standard	ADJ
ajceb-1884	132	37	deviations	deviation	NOUN
ajceb-1884	132	38	of	of	ADP
ajceb-1884	132	39	the	the	DET
ajceb-1884	132	40	required	require	VERB
ajceb-1884	132	41	confidence	confidence	NOUN
ajceb-1884	132	42	level	level	NOUN
ajceb-1884	132	43	.	.	PUNCT
ajceb-1884	133	1	grcarcl	grcarcl	NOUN
ajceb-1884	133	2	=	=	SYM
ajceb-1884	133	3	ulpo	ulpo	NOUN
ajceb-1884	133	4	x	x	SYM
ajceb-1884	133	5	nsd	nsd	PROPN
ajceb-1884	133	6	,	,	PUNCT
ajceb-1884	133	7	(	(	PUNCT
ajceb-1884	133	8	13	13	NUM
ajceb-1884	133	9	)	)	PUNCT
ajceb-1884	133	10	where	where	SCONJ
ajceb-1884	133	11	nsd	nsd	NOUN
ajceb-1884	133	12	stands	stand	VERB
ajceb-1884	133	13	for	for	ADP
ajceb-1884	133	14	number	number	NOUN
ajceb-1884	133	15	of	of	ADP
ajceb-1884	133	16	standard	standard	ADJ
ajceb-1884	133	17	deviations	deviation	NOUN
ajceb-1884	133	18	.	.	PUNCT
ajceb-1884	134	1	after	after	ADP
ajceb-1884	134	2	deriving	derive	VERB
ajceb-1884	134	3	the	the	DET
ajceb-1884	134	4	grca	grca	NOUN
ajceb-1884	134	5	,	,	PUNCT
ajceb-1884	134	6	to	to	PART
ajceb-1884	134	7	get	get	VERB
ajceb-1884	134	8	the	the	DET
ajceb-1884	134	9	net	net	ADJ
ajceb-1884	134	10	risk	risk	NOUN
ajceb-1884	134	11	capital	capital	NOUN
ajceb-1884	134	12	amount	amount	NOUN
ajceb-1884	134	13	(	(	PUNCT
ajceb-1884	134	14	nrca	nrca	ADJ
ajceb-1884	134	15	)	)	PUNCT
ajceb-1884	134	16	we	we	PRON
ajceb-1884	134	17	need	need	VERB
ajceb-1884	134	18	to	to	PART
ajceb-1884	134	19	subtract	subtract	VERB
ajceb-1884	134	20	the	the	DET
ajceb-1884	134	21	capital	capital	NOUN
ajceb-1884	134	22	benefit	benefit	NOUN
ajceb-1884	134	23	(	(	PUNCT
ajceb-1884	134	24	the	the	DET
ajceb-1884	134	25	revenue	revenue	NOUN
ajceb-1884	134	26	earned	earn	VERB
ajceb-1884	134	27	from	from	ADP
ajceb-1884	134	28	investing	invest	VERB
ajceb-1884	134	29	the	the	DET
ajceb-1884	134	30	allocated	allocate	VERB
ajceb-1884	134	31	provisioning	provision	VERB
ajceb-1884	134	32	capital	capital	NOUN
ajceb-1884	134	33	,	,	PUNCT
ajceb-1884	134	34	as	as	ADV
ajceb-1884	134	35	apra	apra	ADV
ajceb-1884	134	36	allows	allow	VERB
ajceb-1884	134	37	limited	limited	ADJ
ajceb-1884	134	38	usage	usage	NOUN
ajceb-1884	134	39	of	of	ADP
ajceb-1884	134	40	the	the	DET
ajceb-1884	134	41	allocated	allocate	VERB
ajceb-1884	134	42	capital	capital	NOUN
ajceb-1884	134	43	)	)	PUNCT
ajceb-1884	134	44	amount	amount	NOUN
ajceb-1884	134	45	from	from	ADP
ajceb-1884	134	46	the	the	DET
ajceb-1884	134	47	grca	grca	NOUN
ajceb-1884	134	48	.	.	PUNCT
ajceb-1884	135	1	finally	finally	ADV
ajceb-1884	135	2	,	,	PUNCT
ajceb-1884	135	3	the	the	DET
ajceb-1884	135	4	risk	risk	NOUN
ajceb-1884	135	5	capital	capital	NOUN
ajceb-1884	135	6	charge	charge	NOUN
ajceb-1884	135	7	amount	amount	NOUN
ajceb-1884	135	8	(	(	PUNCT
ajceb-1884	135	9	rcca	rcca	NOUN
ajceb-1884	135	10	)	)	PUNCT
ajceb-1884	135	11	equals	equal	VERB
ajceb-1884	135	12	the	the	DET
ajceb-1884	135	13	nrca	nrca	NOUN
ajceb-1884	135	14	multiplied	multiply	VERB
ajceb-1884	135	15	by	by	ADP
ajceb-1884	135	16	the	the	DET
ajceb-1884	135	17	lender‟s	lender‟s	ADJ
ajceb-1884	135	18	hurdle	hurdle	NOUN
ajceb-1884	135	19	rate18	rate18	VERB
ajceb-1884	135	20	.	.	PUNCT
ajceb-1884	136	1	as	as	SCONJ
ajceb-1884	136	2	previously	previously	ADV
ajceb-1884	136	3	indicated	indicate	VERB
ajceb-1884	136	4	,	,	PUNCT
ajceb-1884	136	5	an	an	DET
ajceb-1884	136	6	alternative	alternative	ADJ
ajceb-1884	136	7	way	way	NOUN
ajceb-1884	136	8	of	of	ADP
ajceb-1884	136	9	calculating	calculate	VERB
ajceb-1884	136	10	the	the	DET
ajceb-1884	136	11	ul	ul	NOUN
ajceb-1884	136	12	amount	amount	NOUN
ajceb-1884	136	13	is	be	AUX
ajceb-1884	136	14	by	by	ADP
ajceb-1884	136	15	using	use	VERB
ajceb-1884	136	16	the	the	DET
ajceb-1884	136	17	regulatory	regulatory	ADJ
ajceb-1884	136	18	capital	capital	NOUN
ajceb-1884	136	19	method	method	NOUN
ajceb-1884	136	20	.	.	PUNCT
ajceb-1884	137	1	the	the	DET
ajceb-1884	137	2	regulatory	regulatory	ADJ
ajceb-1884	137	3	capital	capital	NOUN
ajceb-1884	137	4	method	method	NOUN
ajceb-1884	137	5	aims	aim	VERB
ajceb-1884	137	6	to	to	PART
ajceb-1884	137	7	cater	cater	VERB
ajceb-1884	137	8	for	for	ADP
ajceb-1884	137	9	the	the	DET
ajceb-1884	137	10	same	same	ADJ
ajceb-1884	137	11	reasons	reason	NOUN
ajceb-1884	137	12	of	of	ADP
ajceb-1884	137	13	capital	capital	NOUN
ajceb-1884	137	14	adequacy	adequacy	NOUN
ajceb-1884	137	15	as	as	ADP
ajceb-1884	137	16	the	the	DET
ajceb-1884	137	17	risk	risk	NOUN
ajceb-1884	137	18	capital	capital	NOUN
ajceb-1884	137	19	method	method	NOUN
ajceb-1884	137	20	,	,	PUNCT
ajceb-1884	137	21	however	however	ADV
ajceb-1884	137	22	instead	instead	ADV
ajceb-1884	137	23	of	of	ADP
ajceb-1884	137	24	primarily	primarily	ADV
ajceb-1884	137	25	being	be	AUX
ajceb-1884	137	26	determined	determine	VERB
ajceb-1884	137	27	by	by	ADP
ajceb-1884	137	28	the	the	DET
ajceb-1884	137	29	lender‟s	lender‟s	ADJ
ajceb-1884	137	30	risk	risk	NOUN
ajceb-1884	137	31	profile	profile	NOUN
ajceb-1884	137	32	,	,	PUNCT
ajceb-1884	137	33	it	it	PRON
ajceb-1884	137	34	is	be	AUX
ajceb-1884	137	35	set	set	VERB
ajceb-1884	137	36	in	in	ADP
ajceb-1884	137	37	isolation	isolation	NOUN
ajceb-1884	137	38	of	of	ADP
ajceb-1884	137	39	the	the	DET
ajceb-1884	137	40	lender‟s	lender‟s	ADJ
ajceb-1884	137	41	risk	risk	NOUN
ajceb-1884	137	42	profile	profile	NOUN
ajceb-1884	137	43	by	by	ADP
ajceb-1884	137	44	the	the	DET
ajceb-1884	137	45	regulatory	regulatory	ADJ
ajceb-1884	137	46	authority	authority	NOUN
ajceb-1884	137	47	,	,	PUNCT
ajceb-1884	137	48	in	in	ADP
ajceb-1884	137	49	australia	australia	PROPN
ajceb-1884	137	50	by	by	ADP
ajceb-1884	137	51	apra	apra	NOUN
ajceb-1884	137	52	.	.	PUNCT
ajceb-1884	138	1	in	in	ADP
ajceb-1884	138	2	doing	do	VERB
ajceb-1884	138	3	so	so	ADV
ajceb-1884	138	4	,	,	PUNCT
ajceb-1884	138	5	apra	apra	ADJ
ajceb-1884	138	6	arrives	arrive	VERB
ajceb-1884	138	7	at	at	ADP
ajceb-1884	138	8	the	the	DET
ajceb-1884	138	9	single	single	ADJ
ajceb-1884	138	10	minimum	minimum	NOUN
ajceb-1884	138	11	amount	amount	NOUN
ajceb-1884	138	12	of	of	ADP
ajceb-1884	138	13	capital	capital	NOUN
ajceb-1884	138	14	the	the	DET
ajceb-1884	138	15	lender	lender	NOUN
ajceb-1884	138	16	is	be	AUX
ajceb-1884	138	17	required	require	VERB
ajceb-1884	138	18	to	to	PART
ajceb-1884	138	19	hold	hold	VERB
ajceb-1884	138	20	,	,	PUNCT
ajceb-1884	138	21	applicable	applicable	ADJ
ajceb-1884	138	22	to	to	ADP
ajceb-1884	138	23	the	the	DET
ajceb-1884	138	24	particular	particular	ADJ
ajceb-1884	138	25	lending	lending	NOUN
ajceb-1884	138	26	class	class	NOUN
ajceb-1884	138	27	(	(	PUNCT
ajceb-1884	138	28	such	such	ADJ
ajceb-1884	138	29	as	as	ADP
ajceb-1884	138	30	the	the	DET
ajceb-1884	138	31	secured	secured	ADJ
ajceb-1884	138	32	and	and	CCONJ
ajceb-1884	138	33	unsecured	unsecured	ADJ
ajceb-1884	138	34	lending	lending	NOUN
ajceb-1884	138	35	classes	class	NOUN
ajceb-1884	138	36	)	)	PUNCT
ajceb-1884	138	37	.	.	PUNCT
ajceb-1884	139	1	this	this	DET
ajceb-1884	139	2	minimum	minimum	ADJ
ajceb-1884	139	3	amount	amount	NOUN
ajceb-1884	139	4	of	of	ADP
ajceb-1884	139	5	capital	capital	NOUN
ajceb-1884	139	6	is	be	AUX
ajceb-1884	139	7	defined	define	VERB
ajceb-1884	139	8	by	by	ADP
ajceb-1884	139	9	the	the	DET
ajceb-1884	139	10	capital	capital	NOUN
ajceb-1884	139	11	adequacy	adequacy	NOUN
ajceb-1884	139	12	accord	accord	NOUN
ajceb-1884	139	13	,	,	PUNCT
ajceb-1884	139	14	agreed	agree	VERB
ajceb-1884	139	15	to	to	ADP
ajceb-1884	139	16	in	in	ADP
ajceb-1884	139	17	1988	1988	NUM
ajceb-1884	139	18	(	(	PUNCT
ajceb-1884	139	19	also	also	ADV
ajceb-1884	139	20	known	know	VERB
ajceb-1884	139	21	as	as	ADP
ajceb-1884	139	22	basel	basel	PROPN
ajceb-1884	139	23	i	i	PROPN
ajceb-1884	139	24	)	)	PUNCT
ajceb-1884	139	25	.	.	PUNCT
ajceb-1884	140	1	according	accord	VERB
ajceb-1884	140	2	to	to	ADP
ajceb-1884	140	3	basel	basel	PROPN
ajceb-1884	140	4	i	i	PROPN
ajceb-1884	140	5	,	,	PUNCT
ajceb-1884	140	6	the	the	DET
ajceb-1884	140	7	lender	lender	NOUN
ajceb-1884	140	8	must	must	AUX
ajceb-1884	140	9	hold	hold	VERB
ajceb-1884	140	10	capital	capital	NOUN
ajceb-1884	140	11	that	that	PRON
ajceb-1884	140	12	is	be	AUX
ajceb-1884	140	13	no	no	DET
ajceb-1884	140	14	less	less	ADJ
ajceb-1884	140	15	than	than	ADP
ajceb-1884	140	16	8	8	NUM
ajceb-1884	140	17	per	per	ADP
ajceb-1884	140	18	cent	cent	NOUN
ajceb-1884	140	19	of	of	ADP
ajceb-1884	140	20	riskweighted	riskweighte	VERB
ajceb-1884	140	21	assets	asset	NOUN
ajceb-1884	140	22	.	.	PUNCT
ajceb-1884	141	1	credit	credit	NOUN
ajceb-1884	141	2	exposures	exposure	NOUN
ajceb-1884	141	3	are	be	AUX
ajceb-1884	141	4	risk	risk	NOUN
ajceb-1884	141	5	-	-	PUNCT
ajceb-1884	141	6	weighted	weight	VERB
ajceb-1884	141	7	according	accord	VERB
ajceb-1884	141	8	to	to	ADP
ajceb-1884	141	9	the	the	DET
ajceb-1884	141	10	three	three	NUM
ajceb-1884	141	11	broad	broad	ADJ
ajceb-1884	141	12	types	type	NOUN
ajceb-1884	141	13	of	of	ADP
ajceb-1884	141	14	counterparty	counterparty	NOUN
ajceb-1884	141	15	(	(	PUNCT
ajceb-1884	141	16	government	government	NOUN
ajceb-1884	141	17	,	,	PUNCT
ajceb-1884	141	18	banks	bank	NOUN
ajceb-1884	141	19	and	and	CCONJ
ajceb-1884	141	20	all	all	DET
ajceb-1884	141	21	others	other	NOUN
ajceb-1884	141	22	)	)	PUNCT
ajceb-1884	141	23	.	.	PUNCT
ajceb-1884	142	1	the	the	DET
ajceb-1884	142	2	accord	accord	NOUN
ajceb-1884	142	3	specifies	specify	VERB
ajceb-1884	142	4	five	five	NUM
ajceb-1884	142	5	general	general	ADJ
ajceb-1884	142	6	18	18	NUM
ajceb-1884	142	7	the	the	DET
ajceb-1884	142	8	hurdle	hurdle	NOUN
ajceb-1884	142	9	rate	rate	NOUN
ajceb-1884	142	10	can	can	AUX
ajceb-1884	142	11	be	be	AUX
ajceb-1884	142	12	defined	define	VERB
ajceb-1884	142	13	as	as	ADP
ajceb-1884	142	14	the	the	DET
ajceb-1884	142	15	minimum	minimum	ADJ
ajceb-1884	142	16	returns	return	NOUN
ajceb-1884	142	17	on	on	ADP
ajceb-1884	142	18	regulatory	regulatory	ADJ
ajceb-1884	142	19	or	or	CCONJ
ajceb-1884	142	20	economic	economic	ADJ
ajceb-1884	142	21	capital	capital	NOUN
ajceb-1884	142	22	expected	expect	VERB
ajceb-1884	142	23	to	to	PART
ajceb-1884	142	24	be	be	AUX
ajceb-1884	142	25	achieved	achieve	VERB
ajceb-1884	142	26	to	to	PART
ajceb-1884	142	27	provide	provide	VERB
ajceb-1884	142	28	a	a	DET
ajceb-1884	142	29	sufficient	sufficient	ADJ
ajceb-1884	142	30	return	return	NOUN
ajceb-1884	142	31	for	for	ADP
ajceb-1884	142	32	the	the	DET
ajceb-1884	142	33	use	use	NOUN
ajceb-1884	142	34	of	of	ADP
ajceb-1884	142	35	the	the	DET
ajceb-1884	142	36	lender‟s	lender‟s	ADJ
ajceb-1884	142	37	capital	capital	NOUN
ajceb-1884	142	38	.	.	PUNCT
ajceb-1884	143	1	achieving	achieve	VERB
ajceb-1884	143	2	returns	return	NOUN
ajceb-1884	143	3	equal	equal	ADJ
ajceb-1884	143	4	to	to	ADP
ajceb-1884	143	5	,	,	PUNCT
ajceb-1884	143	6	or	or	CCONJ
ajceb-1884	143	7	above	above	ADV
ajceb-1884	143	8	,	,	PUNCT
ajceb-1884	143	9	the	the	DET
ajceb-1884	143	10	hurdle	hurdle	NOUN
ajceb-1884	143	11	rate	rate	NOUN
ajceb-1884	143	12	means	mean	VERB
ajceb-1884	143	13	that	that	SCONJ
ajceb-1884	143	14	shareholder	shareholder	NOUN
ajceb-1884	143	15	value	value	NOUN
ajceb-1884	143	16	is	be	AUX
ajceb-1884	143	17	being	be	AUX
ajceb-1884	143	18	created	create	VERB
ajceb-1884	143	19	.	.	PUNCT
ajceb-1884	144	1	australasian	australasian	ADJ
ajceb-1884	144	2	journal	journal	NOUN
ajceb-1884	144	3	of	of	ADP
ajceb-1884	144	4	construction	construction	NOUN
ajceb-1884	144	5	economics	economic	NOUN
ajceb-1884	144	6	and	and	CCONJ
ajceb-1884	144	7	building	building	PROPN
ajceb-1884	144	8	karamujic	karamujic	PROPN
ajceb-1884	144	9	,	,	PUNCT
ajceb-1884	144	10	h	h	NOUN
ajceb-1884	144	11	m	m	VERB
ajceb-1884	144	12	(	(	PUNCT
ajceb-1884	144	13	2010	2010	NUM
ajceb-1884	144	14	)	)	PUNCT
ajceb-1884	145	1	‘	'	PUNCT
ajceb-1884	145	2	an	an	DET
ajceb-1884	145	3	investigation	investigation	NOUN
ajceb-1884	145	4	into	into	ADP
ajceb-1884	145	5	the	the	DET
ajceb-1884	145	6	fundamental	fundamental	ADJ
ajceb-1884	145	7	drivers	driver	NOUN
ajceb-1884	145	8	of	of	ADP
ajceb-1884	145	9	pricing	pricing	NOUN
ajceb-1884	145	10	of	of	ADP
ajceb-1884	145	11	residential	residential	ADJ
ajceb-1884	145	12	mortgage	mortgage	NOUN
ajceb-1884	145	13	products	product	NOUN
ajceb-1884	145	14	–	–	PUNCT
ajceb-1884	145	15	a	a	DET
ajceb-1884	145	16	risk	risk	NOUN
ajceb-1884	145	17	pricing	pricing	NOUN
ajceb-1884	145	18	viewpoint	viewpoint	NOUN
ajceb-1884	145	19	’	'	PUNCT
ajceb-1884	145	20	,	,	PUNCT
ajceb-1884	145	21	australasian	australasian	ADJ
ajceb-1884	145	22	journal	journal	NOUN
ajceb-1884	145	23	of	of	ADP
ajceb-1884	145	24	construction	construction	NOUN
ajceb-1884	145	25	economics	economic	NOUN
ajceb-1884	145	26	and	and	CCONJ
ajceb-1884	145	27	building	building	NOUN
ajceb-1884	145	28	,	,	PUNCT
ajceb-1884	145	29	10	10	NUM
ajceb-1884	145	30	(	(	PUNCT
ajceb-1884	145	31	4	4	NUM
ajceb-1884	145	32	)	)	SYM
ajceb-1884	145	33	60	60	NUM
ajceb-1884	145	34	-	-	SYM
ajceb-1884	145	35	72	72	NUM
ajceb-1884	145	36	67	67	NUM
ajceb-1884	145	37	categories	category	NOUN
ajceb-1884	145	38	of	of	ADP
ajceb-1884	145	39	risk	risk	NOUN
ajceb-1884	145	40	weights	weight	NOUN
ajceb-1884	145	41	:	:	PUNCT
ajceb-1884	145	42	0	0	NUM
ajceb-1884	145	43	,	,	PUNCT
ajceb-1884	145	44	10	10	NUM
ajceb-1884	145	45	,	,	PUNCT
ajceb-1884	145	46	20	20	NUM
ajceb-1884	145	47	,	,	PUNCT
ajceb-1884	145	48	50	50	NUM
ajceb-1884	145	49	and	and	CCONJ
ajceb-1884	145	50	100	100	NUM
ajceb-1884	145	51	per	per	ADP
ajceb-1884	145	52	cent	cent	NOUN
ajceb-1884	145	53	.	.	PUNCT
ajceb-1884	146	1	the	the	DET
ajceb-1884	146	2	sum	sum	NOUN
ajceb-1884	146	3	of	of	ADP
ajceb-1884	146	4	risk	risk	NOUN
ajceb-1884	146	5	-	-	PUNCT
ajceb-1884	146	6	weighted	weight	VERB
ajceb-1884	146	7	assets	asset	NOUN
ajceb-1884	146	8	plus	plus	CCONJ
ajceb-1884	146	9	risk	risk	NOUN
ajceb-1884	146	10	assessed	assess	VERB
ajceb-1884	146	11	from	from	ADP
ajceb-1884	146	12	off	off	ADP
ajceb-1884	146	13	balance	balance	NOUN
ajceb-1884	146	14	-	-	PUNCT
ajceb-1884	146	15	sheet	sheet	NOUN
ajceb-1884	146	16	business	business	NOUN
ajceb-1884	146	17	is	be	AUX
ajceb-1884	146	18	then	then	ADV
ajceb-1884	146	19	related	relate	VERB
ajceb-1884	146	20	to	to	ADP
ajceb-1884	146	21	the	the	DET
ajceb-1884	146	22	lender‟s	lender‟s	ADJ
ajceb-1884	146	23	capital	capital	NOUN
ajceb-1884	146	24	base	base	NOUN
ajceb-1884	146	25	.	.	PUNCT
ajceb-1884	147	1	the	the	DET
ajceb-1884	147	2	resulting	result	VERB
ajceb-1884	147	3	risk	risk	NOUN
ajceb-1884	147	4	ratio	ratio	NOUN
ajceb-1884	147	5	is	be	AUX
ajceb-1884	147	6	used	use	VERB
ajceb-1884	147	7	as	as	ADP
ajceb-1884	147	8	a	a	DET
ajceb-1884	147	9	measure	measure	NOUN
ajceb-1884	147	10	of	of	ADP
ajceb-1884	147	11	capital	capital	NOUN
ajceb-1884	147	12	adequacy	adequacy	NOUN
ajceb-1884	147	13	.	.	PUNCT
ajceb-1884	148	1	in	in	ADP
ajceb-1884	148	2	respect	respect	NOUN
ajceb-1884	148	3	to	to	ADP
ajceb-1884	148	4	the	the	DET
ajceb-1884	148	5	capital	capital	NOUN
ajceb-1884	148	6	allowed	allow	VERB
ajceb-1884	148	7	to	to	PART
ajceb-1884	148	8	be	be	AUX
ajceb-1884	148	9	used	use	VERB
ajceb-1884	148	10	for	for	ADP
ajceb-1884	148	11	the	the	DET
ajceb-1884	148	12	capital	capital	NOUN
ajceb-1884	148	13	adequacy	adequacy	NOUN
ajceb-1884	148	14	provision	provision	NOUN
ajceb-1884	148	15	,	,	PUNCT
ajceb-1884	148	16	for	for	ADP
ajceb-1884	148	17	supervisory	supervisory	ADJ
ajceb-1884	148	18	purposes	purpose	NOUN
ajceb-1884	148	19	,	,	PUNCT
ajceb-1884	148	20	the	the	DET
ajceb-1884	148	21	allowed	allow	VERB
ajceb-1884	148	22	capital	capital	NOUN
ajceb-1884	148	23	can	can	AUX
ajceb-1884	148	24	be	be	AUX
ajceb-1884	148	25	disaggregated	disaggregate	VERB
ajceb-1884	148	26	into	into	ADP
ajceb-1884	148	27	two	two	NUM
ajceb-1884	148	28	tiers	tier	NOUN
ajceb-1884	148	29	,	,	PUNCT
ajceb-1884	148	30	namely	namely	ADV
ajceb-1884	148	31	tier	tier	NOUN
ajceb-1884	148	32	1	1	NUM
ajceb-1884	148	33	(	(	PUNCT
ajceb-1884	148	34	t1	t1	NOUN
ajceb-1884	148	35	)	)	PUNCT
ajceb-1884	148	36	and	and	CCONJ
ajceb-1884	148	37	tier	tier	NOUN
ajceb-1884	148	38	2	2	NUM
ajceb-1884	148	39	(	(	PUNCT
ajceb-1884	148	40	t2	t2	NOUN
ajceb-1884	148	41	)	)	PUNCT
ajceb-1884	148	42	capital	capital	NOUN
ajceb-1884	148	43	.	.	PUNCT
ajceb-1884	149	1	t1	t1	NOUN
ajceb-1884	149	2	capital	capital	NOUN
ajceb-1884	149	3	is	be	AUX
ajceb-1884	149	4	comprised	comprise	VERB
ajceb-1884	149	5	of	of	ADP
ajceb-1884	149	6	the	the	DET
ajceb-1884	149	7	highest	high	ADJ
ajceb-1884	149	8	quality	quality	NOUN
ajceb-1884	149	9	capital	capital	NOUN
ajceb-1884	149	10	and	and	CCONJ
ajceb-1884	149	11	includes	include	VERB
ajceb-1884	149	12	:	:	PUNCT
ajceb-1884	149	13	paid	pay	VERB
ajceb-1884	149	14	-	-	PUNCT
ajceb-1884	149	15	up	up	ADP
ajceb-1884	149	16	ordinary	ordinary	ADJ
ajceb-1884	149	17	shares	share	NOUN
ajceb-1884	149	18	,	,	PUNCT
ajceb-1884	149	19	non	non	ADJ
ajceb-1884	149	20	-	-	ADJ
ajceb-1884	149	21	repayable	repayable	ADJ
ajceb-1884	149	22	share	share	NOUN
ajceb-1884	149	23	premium	premium	NOUN
ajceb-1884	149	24	accounts	account	NOUN
ajceb-1884	149	25	,	,	PUNCT
ajceb-1884	149	26	general	general	ADJ
ajceb-1884	149	27	reserves	reserve	NOUN
ajceb-1884	149	28	,	,	PUNCT
ajceb-1884	149	29	retained	retain	VERB
ajceb-1884	149	30	earnings	earning	NOUN
ajceb-1884	149	31	,	,	PUNCT
ajceb-1884	149	32	noncumulative	noncumulative	ADJ
ajceb-1884	149	33	irredeemable	irredeemable	ADJ
ajceb-1884	149	34	preference	preference	NOUN
ajceb-1884	149	35	shares	share	NOUN
ajceb-1884	149	36	and	and	CCONJ
ajceb-1884	149	37	minority	minority	NOUN
ajceb-1884	149	38	interests	interest	NOUN
ajceb-1884	149	39	in	in	ADP
ajceb-1884	149	40	subsidiaries	subsidiary	NOUN
ajceb-1884	149	41	.	.	PUNCT
ajceb-1884	150	1	on	on	ADP
ajceb-1884	150	2	the	the	DET
ajceb-1884	150	3	other	other	ADJ
ajceb-1884	150	4	hand	hand	NOUN
ajceb-1884	150	5	,	,	PUNCT
ajceb-1884	150	6	t2	t2	NOUN
ajceb-1884	150	7	capital	capital	NOUN
ajceb-1884	150	8	represents	represent	VERB
ajceb-1884	150	9	other	other	ADJ
ajceb-1884	150	10	capital	capital	NOUN
ajceb-1884	150	11	,	,	PUNCT
ajceb-1884	150	12	which	which	PRON
ajceb-1884	150	13	falls	fall	VERB
ajceb-1884	150	14	short	short	ADV
ajceb-1884	150	15	of	of	ADP
ajceb-1884	150	16	some	some	PRON
ajceb-1884	150	17	of	of	ADP
ajceb-1884	150	18	the	the	DET
ajceb-1884	150	19	characteristics	characteristic	NOUN
ajceb-1884	150	20	of	of	ADP
ajceb-1884	150	21	the	the	DET
ajceb-1884	150	22	core	core	NOUN
ajceb-1884	150	23	capital	capital	NOUN
ajceb-1884	150	24	.	.	PUNCT
ajceb-1884	151	1	based	base	VERB
ajceb-1884	151	2	on	on	ADP
ajceb-1884	151	3	differing	differ	VERB
ajceb-1884	151	4	degrees	degree	NOUN
ajceb-1884	151	5	of	of	ADP
ajceb-1884	151	6	permanence	permanence	NOUN
ajceb-1884	151	7	associated	associate	VERB
ajceb-1884	151	8	with	with	ADP
ajceb-1884	151	9	the	the	DET
ajceb-1884	151	10	respective	respective	ADJ
ajceb-1884	151	11	capital	capital	NOUN
ajceb-1884	151	12	instruments	instrument	NOUN
ajceb-1884	151	13	,	,	PUNCT
ajceb-1884	151	14	t2	t2	NOUN
ajceb-1884	151	15	capital	capital	NOUN
ajceb-1884	151	16	can	can	AUX
ajceb-1884	151	17	be	be	AUX
ajceb-1884	151	18	divided	divide	VERB
ajceb-1884	151	19	into	into	ADP
ajceb-1884	151	20	two	two	NUM
ajceb-1884	151	21	further	further	ADJ
ajceb-1884	151	22	tranches	tranche	NOUN
ajceb-1884	151	23	.	.	PUNCT
ajceb-1884	152	1	upper	upper	ADJ
ajceb-1884	152	2	t2	t2	PROPN
ajceb-1884	152	3	capital	capital	NOUN
ajceb-1884	152	4	is	be	AUX
ajceb-1884	152	5	comprised	comprise	VERB
ajceb-1884	152	6	of	of	ADP
ajceb-1884	152	7	general	general	ADJ
ajceb-1884	152	8	provision	provision	NOUN
ajceb-1884	152	9	for	for	ADP
ajceb-1884	152	10	doubtful	doubtful	ADJ
ajceb-1884	152	11	debts	debt	NOUN
ajceb-1884	152	12	,	,	PUNCT
ajceb-1884	152	13	asset	asset	NOUN
ajceb-1884	152	14	revaluation	revaluation	NOUN
ajceb-1884	152	15	reserves	reserve	NOUN
ajceb-1884	152	16	,	,	PUNCT
ajceb-1884	152	17	cumulative	cumulative	ADJ
ajceb-1884	152	18	irredeemable	irredeemable	ADJ
ajceb-1884	152	19	preference	preference	NOUN
ajceb-1884	152	20	shares	share	NOUN
ajceb-1884	152	21	,	,	PUNCT
ajceb-1884	152	22	perpetual	perpetual	ADJ
ajceb-1884	152	23	subordinated	subordinate	VERB
ajceb-1884	152	24	debt	debt	NOUN
ajceb-1884	152	25	and	and	CCONJ
ajceb-1884	152	26	mandatory	mandatory	ADJ
ajceb-1884	152	27	convertible	convertible	ADJ
ajceb-1884	152	28	notes	note	NOUN
ajceb-1884	152	29	.	.	PUNCT
ajceb-1884	153	1	lower	low	ADJ
ajceb-1884	153	2	t2	t2	NOUN
ajceb-1884	153	3	capital	capital	NOUN
ajceb-1884	153	4	is	be	AUX
ajceb-1884	153	5	ranked	rank	VERB
ajceb-1884	153	6	behind	behind	ADP
ajceb-1884	153	7	upper	upper	ADJ
ajceb-1884	153	8	t2	t2	NOUN
ajceb-1884	153	9	capital	capital	NOUN
ajceb-1884	153	10	and	and	CCONJ
ajceb-1884	153	11	entails	entail	VERB
ajceb-1884	153	12	limited	limited	ADJ
ajceb-1884	153	13	life	life	NOUN
ajceb-1884	153	14	redeemable	redeemable	NOUN
ajceb-1884	153	15	preference	preference	NOUN
ajceb-1884	153	16	shares	share	NOUN
ajceb-1884	153	17	and	and	CCONJ
ajceb-1884	153	18	term	term	NOUN
ajceb-1884	153	19	subordinated	subordinate	VERB
ajceb-1884	153	20	debt	debt	NOUN
ajceb-1884	153	21	.	.	PUNCT
ajceb-1884	154	1	to	to	PART
ajceb-1884	154	2	calculate	calculate	VERB
ajceb-1884	154	3	the	the	DET
ajceb-1884	154	4	gross	gross	ADJ
ajceb-1884	154	5	regulatory	regulatory	ADJ
ajceb-1884	154	6	capital	capital	NOUN
ajceb-1884	154	7	amount	amount	NOUN
ajceb-1884	154	8	(	(	PUNCT
ajceb-1884	154	9	grgca	grgca	NOUN
ajceb-1884	154	10	)	)	PUNCT
ajceb-1884	154	11	for	for	ADP
ajceb-1884	154	12	a	a	DET
ajceb-1884	154	13	particular	particular	ADJ
ajceb-1884	154	14	exposure	exposure	NOUN
ajceb-1884	154	15	we	we	PRON
ajceb-1884	154	16	need	need	VERB
ajceb-1884	154	17	to	to	PART
ajceb-1884	154	18	multiply	multiply	VERB
ajceb-1884	154	19	the	the	DET
ajceb-1884	154	20	outstanding	outstanding	ADJ
ajceb-1884	154	21	amount	amount	NOUN
ajceb-1884	154	22	of	of	ADP
ajceb-1884	154	23	the	the	DET
ajceb-1884	154	24	loan	loan	NOUN
ajceb-1884	154	25	by	by	ADP
ajceb-1884	154	26	at	at	ADV
ajceb-1884	154	27	least	least	ADV
ajceb-1884	154	28	8	8	NUM
ajceb-1884	154	29	per	per	ADP
ajceb-1884	154	30	cent	cent	NOUN
ajceb-1884	154	31	,	,	PUNCT
ajceb-1884	154	32	and	and	CCONJ
ajceb-1884	154	33	adjust	adjust	VERB
ajceb-1884	154	34	it	it	PRON
ajceb-1884	154	35	with	with	ADP
ajceb-1884	154	36	the	the	DET
ajceb-1884	154	37	applicable	applicable	ADJ
ajceb-1884	154	38	risk	risk	NOUN
ajceb-1884	154	39	weighting	weighting	NOUN
ajceb-1884	154	40	.	.	PUNCT
ajceb-1884	155	1	the	the	DET
ajceb-1884	155	2	net	net	ADJ
ajceb-1884	155	3	regulatory	regulatory	ADJ
ajceb-1884	155	4	capital	capital	NOUN
ajceb-1884	155	5	amount	amount	NOUN
ajceb-1884	155	6	(	(	PUNCT
ajceb-1884	155	7	nrgca	nrgca	ADV
ajceb-1884	155	8	)	)	PUNCT
ajceb-1884	155	9	is	be	AUX
ajceb-1884	155	10	equal	equal	ADJ
ajceb-1884	155	11	to	to	ADP
ajceb-1884	155	12	the	the	DET
ajceb-1884	155	13	grgca	grgca	NOUN
ajceb-1884	155	14	less	less	ADJ
ajceb-1884	155	15	the	the	DET
ajceb-1884	155	16	capital	capital	NOUN
ajceb-1884	155	17	benefit	benefit	NOUN
ajceb-1884	155	18	amount	amount	NOUN
ajceb-1884	155	19	(	(	PUNCT
ajceb-1884	155	20	the	the	DET
ajceb-1884	155	21	revenue	revenue	NOUN
ajceb-1884	155	22	earned	earn	VERB
ajceb-1884	155	23	from	from	ADP
ajceb-1884	155	24	investing	invest	VERB
ajceb-1884	155	25	the	the	DET
ajceb-1884	155	26	allocated	allocate	VERB
ajceb-1884	155	27	provisioning	provision	VERB
ajceb-1884	155	28	capital	capital	NOUN
ajceb-1884	155	29	,	,	PUNCT
ajceb-1884	155	30	as	as	ADV
ajceb-1884	155	31	apra	apra	ADV
ajceb-1884	155	32	allows	allow	VERB
ajceb-1884	155	33	limited	limited	ADJ
ajceb-1884	155	34	usage	usage	NOUN
ajceb-1884	155	35	of	of	ADP
ajceb-1884	155	36	the	the	DET
ajceb-1884	155	37	allocated	allocate	VERB
ajceb-1884	155	38	capital	capital	NOUN
ajceb-1884	155	39	)	)	PUNCT
ajceb-1884	155	40	.	.	PUNCT
ajceb-1884	156	1	finally	finally	ADV
ajceb-1884	156	2	,	,	PUNCT
ajceb-1884	156	3	to	to	PART
ajceb-1884	156	4	get	get	VERB
ajceb-1884	156	5	the	the	DET
ajceb-1884	156	6	regulatory	regulatory	ADJ
ajceb-1884	156	7	capital	capital	NOUN
ajceb-1884	156	8	charge	charge	NOUN
ajceb-1884	156	9	amount	amount	NOUN
ajceb-1884	156	10	(	(	PUNCT
ajceb-1884	156	11	rgcca	rgcca	NOUN
ajceb-1884	156	12	)	)	PUNCT
ajceb-1884	156	13	we	we	PRON
ajceb-1884	156	14	need	need	VERB
ajceb-1884	156	15	to	to	PART
ajceb-1884	156	16	multiply	multiply	VERB
ajceb-1884	156	17	the	the	DET
ajceb-1884	156	18	nrgca	nrgca	NOUN
ajceb-1884	156	19	by	by	ADP
ajceb-1884	156	20	the	the	DET
ajceb-1884	156	21	lender‟s	lender‟s	ADJ
ajceb-1884	156	22	hurdle	hurdle	NOUN
ajceb-1884	156	23	rate	rate	NOUN
ajceb-1884	156	24	.	.	PUNCT
ajceb-1884	157	1	ultimately	ultimately	ADV
ajceb-1884	157	2	,	,	PUNCT
ajceb-1884	157	3	the	the	DET
ajceb-1884	157	4	total	total	ADJ
ajceb-1884	157	5	llp	llp	PROPN
ajceb-1884	157	6	charge	charge	NOUN
ajceb-1884	157	7	(	(	PUNCT
ajceb-1884	157	8	this	this	DET
ajceb-1884	157	9	amount	amount	NOUN
ajceb-1884	157	10	is	be	AUX
ajceb-1884	157	11	to	to	PART
ajceb-1884	157	12	be	be	AUX
ajceb-1884	157	13	inputted	inputte	VERB
ajceb-1884	157	14	into	into	ADP
ajceb-1884	157	15	equation	equation	NOUN
ajceb-1884	157	16	(	(	PUNCT
ajceb-1884	157	17	1	1	NUM
ajceb-1884	157	18	)	)	PUNCT
ajceb-1884	157	19	)	)	PUNCT
ajceb-1884	157	20	entails	entail	VERB
ajceb-1884	157	21	the	the	DET
ajceb-1884	157	22	general	general	ADJ
ajceb-1884	157	23	provisioning	provisioning	NOUN
ajceb-1884	157	24	(	(	PUNCT
ajceb-1884	157	25	the	the	DET
ajceb-1884	157	26	ul	ul	PROPN
ajceb-1884	157	27	cost	cost	NOUN
ajceb-1884	157	28	charge	charge	NOUN
ajceb-1884	157	29	,	,	PUNCT
ajceb-1884	157	30	expressed	express	VERB
ajceb-1884	157	31	as	as	ADP
ajceb-1884	157	32	loan	loan	NOUN
ajceb-1884	157	33	amount	amount	NOUN
ajceb-1884	157	34	per	per	ADP
ajceb-1884	157	35	centage	centage	NOUN
ajceb-1884	157	36	of	of	ADP
ajceb-1884	157	37	either	either	CCONJ
ajceb-1884	157	38	rcca	rcca	NOUN
ajceb-1884	157	39	or	or	CCONJ
ajceb-1884	157	40	rgcca	rgcca	VERB
ajceb-1884	157	41	)	)	PUNCT
ajceb-1884	157	42	cost	cost	VERB
ajceb-1884	157	43	per	per	ADP
ajceb-1884	157	44	-	-	PUNCT
ajceb-1884	157	45	centage	centage	NOUN
ajceb-1884	157	46	charge	charge	NOUN
ajceb-1884	157	47	and	and	CCONJ
ajceb-1884	157	48	the	the	DET
ajceb-1884	157	49	specific	specific	ADJ
ajceb-1884	157	50	provisioning	provisioning	NOUN
ajceb-1884	157	51	cost	cost	NOUN
ajceb-1884	157	52	(	(	PUNCT
ajceb-1884	157	53	el	el	NOUN
ajceb-1884	157	54	)	)	PUNCT
ajceb-1884	157	55	percentage	percentage	NOUN
ajceb-1884	157	56	charge	charge	NOUN
ajceb-1884	157	57	.	.	PUNCT
ajceb-1884	158	1	in	in	ADP
ajceb-1884	158	2	closing	closing	NOUN
ajceb-1884	158	3	,	,	PUNCT
ajceb-1884	158	4	it	it	PRON
ajceb-1884	158	5	is	be	AUX
ajceb-1884	158	6	important	important	ADJ
ajceb-1884	158	7	to	to	PART
ajceb-1884	158	8	note	note	VERB
ajceb-1884	158	9	that	that	SCONJ
ajceb-1884	158	10	since	since	SCONJ
ajceb-1884	158	11	home	home	NOUN
ajceb-1884	158	12	loans	loan	NOUN
ajceb-1884	158	13	(	(	PUNCT
ajceb-1884	158	14	being	be	AUX
ajceb-1884	158	15	secured	secure	VERB
ajceb-1884	158	16	lending	lending	NOUN
ajceb-1884	158	17	products	product	NOUN
ajceb-1884	158	18	)	)	PUNCT
ajceb-1884	158	19	generally	generally	ADV
ajceb-1884	158	20	have	have	VERB
ajceb-1884	158	21	better	well	ADJ
ajceb-1884	158	22	risk	risk	NOUN
ajceb-1884	158	23	profile	profile	NOUN
ajceb-1884	158	24	compared	compare	VERB
ajceb-1884	158	25	to	to	ADP
ajceb-1884	158	26	other	other	ADJ
ajceb-1884	158	27	lending	lending	NOUN
ajceb-1884	158	28	products	product	NOUN
ajceb-1884	158	29	,	,	PUNCT
ajceb-1884	158	30	the	the	DET
ajceb-1884	158	31	risk	risk	NOUN
ajceb-1884	158	32	capital	capital	NOUN
ajceb-1884	158	33	method	method	NOUN
ajceb-1884	158	34	(	(	PUNCT
ajceb-1884	158	35	being	be	AUX
ajceb-1884	158	36	based	base	VERB
ajceb-1884	158	37	on	on	ADP
ajceb-1884	158	38	an	an	DET
ajceb-1884	158	39	internal	internal	ADJ
ajceb-1884	158	40	assessment	assessment	NOUN
ajceb-1884	158	41	of	of	ADP
ajceb-1884	158	42	risk	risk	NOUN
ajceb-1884	158	43	)	)	PUNCT
ajceb-1884	158	44	is	be	AUX
ajceb-1884	158	45	the	the	DET
ajceb-1884	158	46	method	method	NOUN
ajceb-1884	158	47	most	most	ADJ
ajceb-1884	158	48	home	home	NOUN
ajceb-1884	158	49	lenders	lender	NOUN
ajceb-1884	158	50	would	would	AUX
ajceb-1884	158	51	prefer	prefer	VERB
ajceb-1884	158	52	to	to	PART
ajceb-1884	158	53	use	use	VERB
ajceb-1884	158	54	.	.	PUNCT
ajceb-1884	159	1	lender	lender	NOUN
ajceb-1884	159	2	’s	’s	PART
ajceb-1884	159	3	margin	margin	NOUN
ajceb-1884	159	4	the	the	DET
ajceb-1884	159	5	lender‟s	lender‟s	ADJ
ajceb-1884	159	6	interest	interest	NOUN
ajceb-1884	159	7	rate	rate	NOUN
ajceb-1884	159	8	margin	margin	NOUN
ajceb-1884	159	9	can	can	AUX
ajceb-1884	159	10	be	be	AUX
ajceb-1884	159	11	defined	define	VERB
ajceb-1884	159	12	,	,	PUNCT
ajceb-1884	159	13	in	in	ADP
ajceb-1884	159	14	principle	principle	NOUN
ajceb-1884	159	15	,	,	PUNCT
ajceb-1884	159	16	as	as	SCONJ
ajceb-1884	159	17	the	the	DET
ajceb-1884	159	18	difference	difference	NOUN
ajceb-1884	159	19	between	between	ADP
ajceb-1884	159	20	the	the	DET
ajceb-1884	159	21	interest	interest	NOUN
ajceb-1884	159	22	rates	rate	NOUN
ajceb-1884	159	23	on	on	ADP
ajceb-1884	159	24	lenders‟	lenders‟	PROPN
ajceb-1884	159	25	borrowings	borrowing	NOUN
ajceb-1884	159	26	and	and	CCONJ
ajceb-1884	159	27	their	their	PRON
ajceb-1884	159	28	lending	lending	NOUN
ajceb-1884	159	29	rates	rate	NOUN
ajceb-1884	159	30	the	the	DET
ajceb-1884	159	31	lender‟s	lender‟s	ADJ
ajceb-1884	159	32	margin	margin	NOUN
ajceb-1884	159	33	can	can	AUX
ajceb-1884	159	34	be	be	AUX
ajceb-1884	159	35	viewed	view	VERB
ajceb-1884	159	36	as	as	ADP
ajceb-1884	159	37	either	either	CCONJ
ajceb-1884	159	38	gross	gross	ADJ
ajceb-1884	159	39	or	or	CCONJ
ajceb-1884	159	40	net	net	ADJ
ajceb-1884	159	41	margins	margin	NOUN
ajceb-1884	159	42	.	.	PUNCT
ajceb-1884	160	1	the	the	DET
ajceb-1884	160	2	gross	gross	ADJ
ajceb-1884	160	3	margin	margin	NOUN
ajceb-1884	160	4	is	be	AUX
ajceb-1884	160	5	the	the	DET
ajceb-1884	160	6	difference	difference	NOUN
ajceb-1884	160	7	between	between	ADP
ajceb-1884	160	8	the	the	DET
ajceb-1884	160	9	cofs	cof	NOUN
ajceb-1884	160	10	and	and	CCONJ
ajceb-1884	160	11	the	the	DET
ajceb-1884	160	12	lending	lending	NOUN
ajceb-1884	160	13	interest	interest	NOUN
ajceb-1884	160	14	rate	rate	NOUN
ajceb-1884	160	15	,	,	PUNCT
ajceb-1884	160	16	and	and	CCONJ
ajceb-1884	160	17	the	the	DET
ajceb-1884	160	18	net	net	ADJ
ajceb-1884	160	19	margin	margin	NOUN
ajceb-1884	160	20	is	be	AUX
ajceb-1884	160	21	the	the	DET
ajceb-1884	160	22	difference	difference	NOUN
ajceb-1884	160	23	between	between	ADP
ajceb-1884	160	24	the	the	DET
ajceb-1884	160	25	gross	gross	ADJ
ajceb-1884	160	26	margin	margin	NOUN
ajceb-1884	160	27	and	and	CCONJ
ajceb-1884	160	28	all	all	DET
ajceb-1884	160	29	other	other	ADJ
ajceb-1884	160	30	costs	cost	NOUN
ajceb-1884	160	31	that	that	PRON
ajceb-1884	160	32	lenders	lender	NOUN
ajceb-1884	160	33	face	face	VERB
ajceb-1884	160	34	in	in	ADP
ajceb-1884	160	35	developing	develop	VERB
ajceb-1884	160	36	,	,	PUNCT
ajceb-1884	160	37	supporting	support	VERB
ajceb-1884	160	38	and	and	CCONJ
ajceb-1884	160	39	eventually	eventually	ADV
ajceb-1884	160	40	closing	close	VERB
ajceb-1884	160	41	the	the	DET
ajceb-1884	160	42	home	home	NOUN
ajceb-1884	160	43	loan	loan	NOUN
ajceb-1884	160	44	.	.	PUNCT
ajceb-1884	161	1	other	other	ADJ
ajceb-1884	161	2	costs	cost	VERB
ajceb-1884	161	3	other	other	ADJ
ajceb-1884	161	4	costs	cost	NOUN
ajceb-1884	161	5	,	,	PUNCT
ajceb-1884	161	6	as	as	SCONJ
ajceb-1884	161	7	presented	present	VERB
ajceb-1884	161	8	in	in	ADP
ajceb-1884	161	9	equation	equation	NOUN
ajceb-1884	161	10	(	(	PUNCT
ajceb-1884	161	11	1	1	NUM
ajceb-1884	161	12	)	)	PUNCT
ajceb-1884	161	13	,	,	PUNCT
ajceb-1884	161	14	include	include	VERB
ajceb-1884	161	15	the	the	DET
ajceb-1884	161	16	costs	cost	NOUN
ajceb-1884	161	17	of	of	ADP
ajceb-1884	161	18	sales	sale	NOUN
ajceb-1884	161	19	(	(	PUNCT
ajceb-1884	161	20	cos	cos	NOUN
ajceb-1884	161	21	)	)	PUNCT
ajceb-1884	161	22	and	and	CCONJ
ajceb-1884	161	23	corporate	corporate	ADJ
ajceb-1884	161	24	overhead	overhead	NOUN
ajceb-1884	161	25	costs	cost	NOUN
ajceb-1884	161	26	(	(	PUNCT
ajceb-1884	161	27	coc	coc	PROPN
ajceb-1884	161	28	)	)	PUNCT
ajceb-1884	161	29	.	.	PUNCT
ajceb-1884	162	1	cos	cos	PROPN
ajceb-1884	162	2	are	be	AUX
ajceb-1884	162	3	comprised	comprise	VERB
ajceb-1884	162	4	of	of	ADP
ajceb-1884	162	5	home	home	NOUN
ajceb-1884	162	6	loan	loan	NOUN
ajceb-1884	162	7	distribution	distribution	NOUN
ajceb-1884	162	8	,	,	PUNCT
ajceb-1884	162	9	payment	payment	NOUN
ajceb-1884	162	10	and	and	CCONJ
ajceb-1884	162	11	processing	processing	NOUN
ajceb-1884	162	12	costs	cost	NOUN
ajceb-1884	162	13	.	.	PUNCT
ajceb-1884	163	1	during	during	ADP
ajceb-1884	163	2	the	the	DET
ajceb-1884	163	3	tenure	tenure	NOUN
ajceb-1884	163	4	of	of	ADP
ajceb-1884	163	5	a	a	DET
ajceb-1884	163	6	home	home	NOUN
ajceb-1884	163	7	loan	loan	NOUN
ajceb-1884	163	8	,	,	PUNCT
ajceb-1884	163	9	lenders	lender	NOUN
ajceb-1884	163	10	incur	incur	VERB
ajceb-1884	163	11	significant	significant	ADJ
ajceb-1884	163	12	coc	coc	NOUN
ajceb-1884	163	13	for	for	ADP
ajceb-1884	163	14	activities	activity	NOUN
ajceb-1884	163	15	such	such	ADJ
ajceb-1884	163	16	as	as	ADP
ajceb-1884	163	17	general	general	ADJ
ajceb-1884	163	18	analysis	analysis	NOUN
ajceb-1884	163	19	,	,	PUNCT
ajceb-1884	163	20	risk	risk	NOUN
ajceb-1884	163	21	-	-	PUNCT
ajceb-1884	163	22	related	relate	VERB
ajceb-1884	163	23	overview	overview	NOUN
ajceb-1884	163	24	and	and	CCONJ
ajceb-1884	163	25	analysis	analysis	NOUN
ajceb-1884	163	26	,	,	PUNCT
ajceb-1884	163	27	etc	etc	X
ajceb-1884	163	28	.	.	X
ajceb-1884	163	29	as	as	ADP
ajceb-1884	163	30	a	a	DET
ajceb-1884	163	31	result	result	NOUN
ajceb-1884	163	32	,	,	PUNCT
ajceb-1884	163	33	a	a	DET
ajceb-1884	163	34	portion	portion	NOUN
ajceb-1884	163	35	of	of	ADP
ajceb-1884	163	36	overall	overall	ADJ
ajceb-1884	163	37	the	the	DET
ajceb-1884	163	38	cocs	coc	NOUN
ajceb-1884	163	39	is	be	AUX
ajceb-1884	163	40	distributed	distribute	VERB
ajceb-1884	163	41	to	to	ADP
ajceb-1884	163	42	various	various	ADJ
ajceb-1884	163	43	costs	cost	NOUN
ajceb-1884	163	44	centres	centre	NOUN
ajceb-1884	163	45	during	during	ADP
ajceb-1884	163	46	the	the	DET
ajceb-1884	163	47	course	course	NOUN
ajceb-1884	163	48	of	of	ADP
ajceb-1884	163	49	the	the	DET
ajceb-1884	163	50	year	year	NOUN
ajceb-1884	163	51	.	.	PUNCT
ajceb-1884	164	1	a	a	DET
ajceb-1884	164	2	simplified	simplified	ADJ
ajceb-1884	164	3	example	example	NOUN
ajceb-1884	164	4	the	the	DET
ajceb-1884	164	5	cost	cost	NOUN
ajceb-1884	164	6	plus	plus	CCONJ
ajceb-1884	164	7	pricing	pricing	NOUN
ajceb-1884	164	8	technique	technique	NOUN
ajceb-1884	164	9	let	let	VERB
ajceb-1884	164	10	us	we	PRON
ajceb-1884	164	11	now	now	ADV
ajceb-1884	164	12	put	put	VERB
ajceb-1884	164	13	all	all	PRON
ajceb-1884	164	14	of	of	ADP
ajceb-1884	164	15	that	that	DET
ajceb-1884	164	16	wonderful	wonderful	ADJ
ajceb-1884	164	17	exposition	exposition	NOUN
ajceb-1884	164	18	into	into	ADP
ajceb-1884	164	19	a	a	DET
ajceb-1884	164	20	simplified	simplified	ADJ
ajceb-1884	164	21	practical	practical	ADJ
ajceb-1884	164	22	example	example	NOUN
ajceb-1884	164	23	,	,	PUNCT
ajceb-1884	164	24	and	and	CCONJ
ajceb-1884	164	25	look	look	VERB
ajceb-1884	164	26	at	at	ADP
ajceb-1884	164	27	recent	recent	ADJ
ajceb-1884	164	28	history	history	NOUN
ajceb-1884	164	29	to	to	PART
ajceb-1884	164	30	see	see	VERB
ajceb-1884	164	31	how	how	SCONJ
ajceb-1884	164	32	the	the	DET
ajceb-1884	164	33	various	various	ADJ
ajceb-1884	164	34	components	component	NOUN
ajceb-1884	164	35	of	of	ADP
ajceb-1884	164	36	the	the	DET
ajceb-1884	164	37	cost	cost	NOUN
ajceb-1884	164	38	plus	plus	CCONJ
ajceb-1884	164	39	pricing	pricing	NOUN
ajceb-1884	164	40	technique	technique	NOUN
ajceb-1884	164	41	(	(	PUNCT
ajceb-1884	164	42	in	in	ADP
ajceb-1884	164	43	particular	particular	ADJ
ajceb-1884	164	44	llp	llp	PROPN
ajceb-1884	164	45	and	and	CCONJ
ajceb-1884	164	46	cof	cof	PROPN
ajceb-1884	164	47	)	)	PUNCT
ajceb-1884	164	48	drove	drive	VERB
ajceb-1884	164	49	typical	typical	ADJ
ajceb-1884	164	50	home	home	NOUN
ajceb-1884	164	51	loan	loan	NOUN
ajceb-1884	164	52	interest	interest	NOUN
ajceb-1884	164	53	rates	rate	NOUN
ajceb-1884	164	54	at	at	ADP
ajceb-1884	164	55	the	the	DET
ajceb-1884	164	56	time	time	NOUN
ajceb-1884	164	57	.	.	PUNCT
ajceb-1884	165	1	australasian	australasian	ADJ
ajceb-1884	165	2	journal	journal	NOUN
ajceb-1884	165	3	of	of	ADP
ajceb-1884	165	4	construction	construction	NOUN
ajceb-1884	165	5	economics	economic	NOUN
ajceb-1884	165	6	and	and	CCONJ
ajceb-1884	165	7	building	building	PROPN
ajceb-1884	165	8	karamujic	karamujic	PROPN
ajceb-1884	165	9	,	,	PUNCT
ajceb-1884	165	10	h	h	NOUN
ajceb-1884	165	11	m	m	VERB
ajceb-1884	165	12	(	(	PUNCT
ajceb-1884	165	13	2010	2010	NUM
ajceb-1884	165	14	)	)	PUNCT
ajceb-1884	165	15	‘	'	PUNCT
ajceb-1884	165	16	an	an	DET
ajceb-1884	165	17	investigation	investigation	NOUN
ajceb-1884	165	18	into	into	ADP
ajceb-1884	165	19	the	the	DET
ajceb-1884	165	20	fundamental	fundamental	ADJ
ajceb-1884	165	21	drivers	driver	NOUN
ajceb-1884	165	22	of	of	ADP
ajceb-1884	165	23	pricing	pricing	NOUN
ajceb-1884	165	24	of	of	ADP
ajceb-1884	165	25	residential	residential	ADJ
ajceb-1884	165	26	mortgage	mortgage	NOUN
ajceb-1884	165	27	products	product	NOUN
ajceb-1884	165	28	–	–	PUNCT
ajceb-1884	165	29	a	a	DET
ajceb-1884	165	30	risk	risk	NOUN
ajceb-1884	165	31	pricing	pricing	NOUN
ajceb-1884	165	32	viewpoint	viewpoint	NOUN
ajceb-1884	165	33	’	'	PUNCT
ajceb-1884	165	34	,	,	PUNCT
ajceb-1884	165	35	australasian	australasian	ADJ
ajceb-1884	165	36	journal	journal	NOUN
ajceb-1884	165	37	of	of	ADP
ajceb-1884	165	38	construction	construction	NOUN
ajceb-1884	165	39	economics	economic	NOUN
ajceb-1884	165	40	and	and	CCONJ
ajceb-1884	165	41	building	building	NOUN
ajceb-1884	165	42	,	,	PUNCT
ajceb-1884	165	43	10	10	NUM
ajceb-1884	165	44	(	(	PUNCT
ajceb-1884	165	45	4	4	NUM
ajceb-1884	165	46	)	)	SYM
ajceb-1884	165	47	60	60	NUM
ajceb-1884	165	48	-	-	SYM
ajceb-1884	165	49	72	72	NUM
ajceb-1884	165	50	68	68	NUM
ajceb-1884	165	51	(	(	PUNCT
ajceb-1884	165	52	bps	bps	NOUN
ajceb-1884	165	53	)	)	PUNCT
ajceb-1884	165	54	basis	basis	NOUN
ajceb-1884	165	55	points	point	NOUN
ajceb-1884	165	56	june	june	PROPN
ajceb-1884	165	57	2004	2004	NUM
ajceb-1884	165	58	june	june	PROPN
ajceb-1884	165	59	2005	2005	NUM
ajceb-1884	165	60	june	june	PROPN
ajceb-1884	165	61	2006	2006	NUM
ajceb-1884	165	62	june	june	PROPN
ajceb-1884	165	63	2007	2007	NUM
ajceb-1884	165	64	june	june	PROPN
ajceb-1884	165	65	2008	2008	NUM
ajceb-1884	165	66	june	june	PROPN
ajceb-1884	165	67	2009	2009	NUM
ajceb-1884	165	68	cost	cost	NOUN
ajceb-1884	165	69	of	of	ADP
ajceb-1884	165	70	funds	fund	NOUN
ajceb-1884	165	71	(	(	PUNCT
ajceb-1884	165	72	cof	cof	PROPN
ajceb-1884	165	73	)	)	PUNCT
ajceb-1884	165	74	1	1	NUM
ajceb-1884	165	75	549	549	NUM
ajceb-1884	165	76	566	566	NUM
ajceb-1884	165	77	596	596	NUM
ajceb-1884	165	78	642	642	NUM
ajceb-1884	165	79	781	781	NUM
ajceb-1884	165	80	325	325	NUM
ajceb-1884	165	81	loan	loan	NOUN
ajceb-1884	165	82	loss	loss	NOUN
ajceb-1884	165	83	provision	provision	NOUN
ajceb-1884	165	84	(	(	PUNCT
ajceb-1884	165	85	llp	llp	PROPN
ajceb-1884	165	86	)	)	PUNCT
ajceb-1884	165	87	2	2	NUM
ajceb-1884	165	88	97	97	NUM
ajceb-1884	165	89	94	94	NUM
ajceb-1884	165	90	89	89	NUM
ajceb-1884	165	91	68	68	NUM
ajceb-1884	165	92	74	74	NUM
ajceb-1884	165	93	120	120	NUM
ajceb-1884	165	94	lenders	lender	NOUN
ajceb-1884	165	95	margin	margin	NOUN
ajceb-1884	165	96	(	(	PUNCT
ajceb-1884	165	97	lm	lm	INTJ
ajceb-1884	165	98	)	)	PUNCT
ajceb-1884	165	99	3	3	NUM
ajceb-1884	166	1	273	273	NUM
ajceb-1884	166	2	282	282	NUM
ajceb-1884	166	3	271	271	NUM
ajceb-1884	166	4	262	262	NUM
ajceb-1884	166	5	263	263	NUM
ajceb-1884	166	6	217	217	NUM
ajceb-1884	166	7	cost	cost	NOUN
ajceb-1884	166	8	of	of	ADP
ajceb-1884	166	9	sales	sale	NOUN
ajceb-1884	166	10	(	(	PUNCT
ajceb-1884	166	11	cos	cos	PROPN
ajceb-1884	166	12	)	)	PUNCT
ajceb-1884	166	13	4	4	NUM
ajceb-1884	166	14	5	5	NUM
ajceb-1884	166	15	5	5	NUM
ajceb-1884	166	16	5	5	NUM
ajceb-1884	166	17	5	5	NUM
ajceb-1884	166	18	5	5	NUM
ajceb-1884	166	19	5	5	NUM
ajceb-1884	166	20	corporate	corporate	ADJ
ajceb-1884	166	21	overhead	overhead	NOUN
ajceb-1884	166	22	costs	cost	NOUN
ajceb-1884	166	23	(	(	PUNCT
ajceb-1884	166	24	coc	coc	PROPN
ajceb-1884	166	25	)	)	PUNCT
ajceb-1884	166	26	4	4	NUM
ajceb-1884	166	27	5	5	NUM
ajceb-1884	166	28	5	5	NUM
ajceb-1884	166	29	5	5	NUM
ajceb-1884	166	30	5	5	NUM
ajceb-1884	166	31	5	5	NUM
ajceb-1884	166	32	5	5	NUM
ajceb-1884	166	33	interest	interest	NOUN
ajceb-1884	166	34	rate	rate	NOUN
ajceb-1884	166	35	929	929	NUM
ajceb-1884	166	36	951	951	NUM
ajceb-1884	166	37	966	966	NUM
ajceb-1884	166	38	981	981	NUM
ajceb-1884	166	39	1,128	1,128	NUM
ajceb-1884	166	40	672	672	NUM
ajceb-1884	166	41	table	table	NOUN
ajceb-1884	166	42	1	1	NUM
ajceb-1884	166	43	:	:	PUNCT
ajceb-1884	166	44	an	an	DET
ajceb-1884	166	45	example	example	NOUN
ajceb-1884	166	46	the	the	DET
ajceb-1884	166	47	cost	cost	NOUN
ajceb-1884	166	48	plus	plus	CCONJ
ajceb-1884	166	49	pricing	pricing	NOUN
ajceb-1884	166	50	technique	technique	NOUN
ajceb-1884	166	51	assumptions	assumption	NOUN
ajceb-1884	166	52	1	1	NUM
ajceb-1884	166	53	.	.	PUNCT
ajceb-1884	166	54	represented	represent	VERB
ajceb-1884	166	55	by	by	ADP
ajceb-1884	166	56	90	90	NUM
ajceb-1884	166	57	days	day	NOUN
ajceb-1884	166	58	bank	bank	NOUN
ajceb-1884	166	59	bills	bill	NOUN
ajceb-1884	166	60	interest	interest	NOUN
ajceb-1884	166	61	rate	rate	NOUN
ajceb-1884	166	62	.	.	PUNCT
ajceb-1884	167	1	sourced	source	VERB
ajceb-1884	167	2	from	from	ADP
ajceb-1884	167	3	rba	rba	PROPN
ajceb-1884	167	4	(	(	PUNCT
ajceb-1884	167	5	2010	2010	NUM
ajceb-1884	167	6	)	)	PUNCT
ajceb-1884	167	7	.	.	PUNCT
ajceb-1884	168	1	2	2	X
ajceb-1884	168	2	.	.	X
ajceb-1884	168	3	the	the	DET
ajceb-1884	168	4	total	total	ADJ
ajceb-1884	168	5	nominal	nominal	ADJ
ajceb-1884	168	6	lending	lending	NOUN
ajceb-1884	168	7	provisions	provision	NOUN
ajceb-1884	168	8	as	as	ADP
ajceb-1884	168	9	a	a	DET
ajceb-1884	168	10	percentage	percentage	NOUN
ajceb-1884	168	11	of	of	ADP
ajceb-1884	168	12	the	the	DET
ajceb-1884	168	13	total	total	ADJ
ajceb-1884	168	14	gross	gross	ADJ
ajceb-1884	168	15	loans	loan	NOUN
ajceb-1884	168	16	and	and	CCONJ
ajceb-1884	168	17	advances	advance	NOUN
ajceb-1884	168	18	.	.	PUNCT
ajceb-1884	169	1	sourced	source	VERB
ajceb-1884	169	2	from	from	ADP
ajceb-1884	169	3	apra	apra	ADJ
ajceb-1884	169	4	(	(	PUNCT
ajceb-1884	169	5	2010b	2010b	NUM
ajceb-1884	169	6	)	)	PUNCT
ajceb-1884	169	7	,	,	PUNCT
ajceb-1884	169	8	table	table	NOUN
ajceb-1884	169	9	5	5	NUM
ajceb-1884	169	10	.	.	NOUN
ajceb-1884	169	11	3	3	NUM
ajceb-1884	169	12	.	.	X
ajceb-1884	170	1	the	the	DET
ajceb-1884	170	2	total	total	ADJ
ajceb-1884	170	3	nominal	nominal	ADJ
ajceb-1884	170	4	retained	retain	VERB
ajceb-1884	170	5	profits	profit	NOUN
ajceb-1884	170	6	as	as	ADP
ajceb-1884	170	7	a	a	DET
ajceb-1884	170	8	percentage	percentage	NOUN
ajceb-1884	170	9	of	of	ADP
ajceb-1884	170	10	the	the	DET
ajceb-1884	170	11	total	total	ADJ
ajceb-1884	170	12	assets	asset	NOUN
ajceb-1884	170	13	.	.	PUNCT
ajceb-1884	171	1	sourced	source	VERB
ajceb-1884	171	2	from	from	ADP
ajceb-1884	171	3	apra	apra	ADJ
ajceb-1884	171	4	(	(	PUNCT
ajceb-1884	171	5	2010b	2010b	NUM
ajceb-1884	171	6	)	)	PUNCT
ajceb-1884	171	7	,	,	PUNCT
ajceb-1884	171	8	table	table	NOUN
ajceb-1884	171	9	5	5	NUM
ajceb-1884	171	10	.	.	NOUN
ajceb-1884	171	11	4	4	NUM
ajceb-1884	171	12	.	.	X
ajceb-1884	171	13	cos	cos	PROPN
ajceb-1884	171	14	and	and	CCONJ
ajceb-1884	171	15	coc	coc	PROPN
ajceb-1884	171	16	are	be	AUX
ajceb-1884	171	17	predominantly	predominantly	ADV
ajceb-1884	171	18	fix	fix	NOUN
ajceb-1884	171	19	costs	cost	NOUN
ajceb-1884	171	20	.	.	PUNCT
ajceb-1884	172	1	they	they	PRON
ajceb-1884	172	2	are	be	AUX
ajceb-1884	172	3	estimated	estimate	VERB
ajceb-1884	172	4	at	at	ADP
ajceb-1884	172	5	5	5	NUM
ajceb-1884	172	6	bps	bps	NOUN
ajceb-1884	172	7	each	each	PRON
ajceb-1884	172	8	across	across	ADP
ajceb-1884	172	9	the	the	DET
ajceb-1884	172	10	observed	observed	ADJ
ajceb-1884	172	11	period	period	NOUN
ajceb-1884	172	12	.	.	PUNCT
ajceb-1884	173	1	as	as	SCONJ
ajceb-1884	173	2	shown	show	VERB
ajceb-1884	173	3	in	in	ADP
ajceb-1884	173	4	table	table	NOUN
ajceb-1884	173	5	1	1	NUM
ajceb-1884	173	6	,	,	PUNCT
ajceb-1884	173	7	the	the	DET
ajceb-1884	173	8	loan	loan	NOUN
ajceb-1884	173	9	pricing	pricing	NOUN
ajceb-1884	173	10	landscape	landscape	NOUN
ajceb-1884	173	11	underwent	undergo	VERB
ajceb-1884	173	12	some	some	DET
ajceb-1884	173	13	dramatic	dramatic	ADJ
ajceb-1884	173	14	changes	change	NOUN
ajceb-1884	173	15	between	between	ADP
ajceb-1884	173	16	2004	2004	NUM
ajceb-1884	173	17	and	and	CCONJ
ajceb-1884	173	18	2009	2009	NUM
ajceb-1884	173	19	.	.	PUNCT
ajceb-1884	174	1	in	in	ADP
ajceb-1884	174	2	particular	particular	ADJ
ajceb-1884	174	3	:	:	PUNCT
ajceb-1884	174	4	(	(	PUNCT
ajceb-1884	174	5	i	i	NOUN
ajceb-1884	174	6	)	)	PUNCT
ajceb-1884	174	7	cof	cof	PROPN
ajceb-1884	174	8	continued	continue	VERB
ajceb-1884	174	9	increasing	increase	VERB
ajceb-1884	174	10	until	until	ADP
ajceb-1884	174	11	2008	2008	NUM
ajceb-1884	174	12	and	and	CCONJ
ajceb-1884	174	13	then	then	ADV
ajceb-1884	174	14	as	as	ADP
ajceb-1884	174	15	a	a	DET
ajceb-1884	174	16	consequence	consequence	NOUN
ajceb-1884	174	17	of	of	ADP
ajceb-1884	174	18	rba‟s	rba‟s	NUM
ajceb-1884	174	19	response	response	NOUN
ajceb-1884	174	20	to	to	ADP
ajceb-1884	174	21	the	the	DET
ajceb-1884	174	22	gfc	gfc	NOUN
ajceb-1884	174	23	(	(	PUNCT
ajceb-1884	174	24	from	from	ADP
ajceb-1884	174	25	september	september	PROPN
ajceb-1884	174	26	2008	2008	NUM
ajceb-1884	174	27	to	to	ADP
ajceb-1884	174	28	april	april	PROPN
ajceb-1884	174	29	2009	2009	NUM
ajceb-1884	174	30	,	,	PUNCT
ajceb-1884	174	31	the	the	DET
ajceb-1884	174	32	rba	rba	NOUN
ajceb-1884	174	33	reduced	reduce	VERB
ajceb-1884	174	34	the	the	DET
ajceb-1884	174	35	cash	cash	NOUN
ajceb-1884	174	36	rate	rate	NOUN
ajceb-1884	174	37	by	by	ADP
ajceb-1884	174	38	4.25	4.25	NUM
ajceb-1884	174	39	per	per	ADP
ajceb-1884	174	40	cent	cent	NOUN
ajceb-1884	174	41	)	)	PUNCT
ajceb-1884	174	42	experienced	experience	VERB
ajceb-1884	174	43	a	a	DET
ajceb-1884	174	44	significant	significant	ADJ
ajceb-1884	174	45	fall	fall	NOUN
ajceb-1884	174	46	,	,	PUNCT
ajceb-1884	174	47	(	(	PUNCT
ajceb-1884	174	48	ii	ii	NOUN
ajceb-1884	174	49	)	)	PUNCT
ajceb-1884	174	50	llps	llp	VERB
ajceb-1884	174	51	continued	continue	VERB
ajceb-1884	174	52	falling	fall	VERB
ajceb-1884	174	53	until	until	ADP
ajceb-1884	174	54	the	the	DET
ajceb-1884	174	55	emergence	emergence	NOUN
ajceb-1884	174	56	of	of	ADP
ajceb-1884	174	57	the	the	DET
ajceb-1884	174	58	gfc	gfc	NOUN
ajceb-1884	174	59	(	(	PUNCT
ajceb-1884	174	60	the	the	DET
ajceb-1884	174	61	market	market	NOUN
ajceb-1884	174	62	had	have	AUX
ajceb-1884	174	63	largely	largely	ADV
ajceb-1884	174	64	forgotten	forget	VERB
ajceb-1884	174	65	about	about	ADP
ajceb-1884	174	66	the	the	DET
ajceb-1884	174	67	concept	concept	NOUN
ajceb-1884	174	68	of	of	ADP
ajceb-1884	174	69	risk	risk	NOUN
ajceb-1884	174	70	)	)	PUNCT
ajceb-1884	174	71	,	,	PUNCT
ajceb-1884	174	72	which	which	PRON
ajceb-1884	174	73	resulted	result	VERB
ajceb-1884	174	74	in	in	ADP
ajceb-1884	174	75	a	a	DET
ajceb-1884	174	76	sharp	sharp	ADJ
ajceb-1884	174	77	increase	increase	NOUN
ajceb-1884	174	78	in	in	ADP
ajceb-1884	174	79	provisioning	provision	VERB
ajceb-1884	174	80	(	(	PUNCT
ajceb-1884	174	81	increased	increase	VERB
ajceb-1884	174	82	by	by	ADP
ajceb-1884	174	83	77	77	NUM
ajceb-1884	174	84	per	per	ADP
ajceb-1884	174	85	cent	cent	NOUN
ajceb-1884	174	86	,	,	PUNCT
ajceb-1884	174	87	from	from	ADP
ajceb-1884	174	88	june	june	PROPN
ajceb-1884	174	89	2007	2007	NUM
ajceb-1884	174	90	to	to	ADP
ajceb-1884	174	91	june	june	PROPN
ajceb-1884	174	92	2009	2009	NUM
ajceb-1884	174	93	)	)	PUNCT
ajceb-1884	174	94	,	,	PUNCT
ajceb-1884	174	95	and	and	CCONJ
ajceb-1884	174	96	(	(	PUNCT
ajceb-1884	174	97	iii	iii	X
ajceb-1884	174	98	)	)	PUNCT
ajceb-1884	174	99	lms	lm	NOUN
ajceb-1884	174	100	were	be	AUX
ajceb-1884	174	101	quite	quite	ADV
ajceb-1884	174	102	stable	stable	ADJ
ajceb-1884	174	103	for	for	ADP
ajceb-1884	174	104	the	the	DET
ajceb-1884	174	105	most	most	ADJ
ajceb-1884	174	106	of	of	ADP
ajceb-1884	174	107	the	the	DET
ajceb-1884	174	108	observed	observed	ADJ
ajceb-1884	174	109	period	period	NOUN
ajceb-1884	174	110	,	,	PUNCT
ajceb-1884	174	111	with	with	ADP
ajceb-1884	174	112	the	the	DET
ajceb-1884	174	113	exception	exception	NOUN
ajceb-1884	174	114	of	of	ADP
ajceb-1884	174	115	sizable	sizable	ADJ
ajceb-1884	174	116	fall	fall	NOUN
ajceb-1884	174	117	recorded	record	VERB
ajceb-1884	174	118	in	in	ADP
ajceb-1884	174	119	2009	2009	NUM
ajceb-1884	174	120	as	as	ADP
ajceb-1884	174	121	a	a	DET
ajceb-1884	174	122	consequence	consequence	NOUN
ajceb-1884	174	123	of	of	ADP
ajceb-1884	174	124	the	the	DET
ajceb-1884	174	125	gfc	gfc	NOUN
ajceb-1884	174	126	(	(	PUNCT
ajceb-1884	174	127	tightening	tightening	NOUN
ajceb-1884	174	128	of	of	ADP
ajceb-1884	174	129	the	the	DET
ajceb-1884	174	130	wholesales	wholesale	NOUN
ajceb-1884	174	131	markets	market	NOUN
ajceb-1884	174	132	forced	force	VERB
ajceb-1884	174	133	funding	funding	NOUN
ajceb-1884	174	134	costs	cost	NOUN
ajceb-1884	174	135	up	up	ADP
ajceb-1884	174	136	,	,	PUNCT
ajceb-1884	174	137	while	while	SCONJ
ajceb-1884	174	138	heightened	heightened	ADJ
ajceb-1884	174	139	risk	risk	NOUN
ajceb-1884	174	140	aversion	aversion	NOUN
ajceb-1884	174	141	induced	induce	VERB
ajceb-1884	174	142	lenders	lender	NOUN
ajceb-1884	174	143	to	to	PART
ajceb-1884	174	144	fight	fight	VERB
ajceb-1884	174	145	harder	hard	ADV
ajceb-1884	174	146	for	for	ADP
ajceb-1884	174	147	lower	low	ADJ
ajceb-1884	174	148	risk	risk	NOUN
ajceb-1884	174	149	opportunities	opportunity	NOUN
ajceb-1884	174	150	)	)	PUNCT
ajceb-1884	174	151	.	.	PUNCT
ajceb-1884	175	1	an	an	DET
ajceb-1884	175	2	insight	insight	NOUN
ajceb-1884	175	3	into	into	ADP
ajceb-1884	175	4	the	the	DET
ajceb-1884	175	5	future	future	NOUN
ajceb-1884	175	6	as	as	SCONJ
ajceb-1884	175	7	we	we	PRON
ajceb-1884	175	8	look	look	VERB
ajceb-1884	175	9	to	to	ADP
ajceb-1884	175	10	the	the	DET
ajceb-1884	175	11	future	future	NOUN
ajceb-1884	175	12	,	,	PUNCT
ajceb-1884	175	13	the	the	DET
ajceb-1884	175	14	price	price	NOUN
ajceb-1884	175	15	makeup	makeup	NOUN
ajceb-1884	175	16	will	will	AUX
ajceb-1884	175	17	change	change	VERB
ajceb-1884	175	18	again	again	ADV
ajceb-1884	175	19	and	and	CCONJ
ajceb-1884	175	20	may	may	AUX
ajceb-1884	175	21	look	look	VERB
ajceb-1884	175	22	as	as	SCONJ
ajceb-1884	175	23	shown	show	VERB
ajceb-1884	175	24	in	in	ADP
ajceb-1884	175	25	table	table	NOUN
ajceb-1884	175	26	2	2	NUM
ajceb-1884	175	27	.	.	PUNCT
ajceb-1884	175	28	(	(	PUNCT
ajceb-1884	175	29	bps	bps	NOUN
ajceb-1884	175	30	)	)	PUNCT
ajceb-1884	175	31	basis	basis	NOUN
ajceb-1884	175	32	points	point	NOUN
ajceb-1884	175	33	november	november	PROPN
ajceb-1884	175	34	2010	2010	NUM
ajceb-1884	175	35	june	june	PROPN
ajceb-1884	175	36	2011	2011	NUM
ajceb-1884	175	37	june	june	PROPN
ajceb-1884	175	38	2012	2012	NUM
ajceb-1884	175	39	cost	cost	NOUN
ajceb-1884	175	40	of	of	ADP
ajceb-1884	175	41	funds	fund	NOUN
ajceb-1884	175	42	(	(	PUNCT
ajceb-1884	175	43	cof	cof	PROPN
ajceb-1884	175	44	)	)	PUNCT
ajceb-1884	175	45	1	1	NUM
ajceb-1884	175	46	420	420	NUM
ajceb-1884	175	47	480	480	NUM
ajceb-1884	175	48	500	500	NUM
ajceb-1884	175	49	loan	loan	NOUN
ajceb-1884	175	50	loss	loss	NOUN
ajceb-1884	175	51	provision	provision	NOUN
ajceb-1884	175	52	(	(	PUNCT
ajceb-1884	175	53	llp	llp	PROPN
ajceb-1884	175	54	)	)	PUNCT
ajceb-1884	175	55	2	2	NUM
ajceb-1884	175	56	110	110	NUM
ajceb-1884	175	57	110	110	NUM
ajceb-1884	175	58	100	100	NUM
ajceb-1884	175	59	lenders	lender	NOUN
ajceb-1884	175	60	margin	margin	NOUN
ajceb-1884	175	61	(	(	PUNCT
ajceb-1884	175	62	lm	lm	INTJ
ajceb-1884	175	63	)	)	PUNCT
ajceb-1884	175	64	3	3	NUM
ajceb-1884	175	65	210	210	NUM
ajceb-1884	175	66	250	250	NUM
ajceb-1884	175	67	270	270	NUM
ajceb-1884	175	68	cost	cost	NOUN
ajceb-1884	175	69	of	of	ADP
ajceb-1884	175	70	sales	sale	NOUN
ajceb-1884	175	71	(	(	PUNCT
ajceb-1884	175	72	cos	cos	PROPN
ajceb-1884	175	73	)	)	PUNCT
ajceb-1884	175	74	4	4	NUM
ajceb-1884	175	75	5	5	NUM
ajceb-1884	175	76	5	5	NUM
ajceb-1884	175	77	5	5	NUM
ajceb-1884	175	78	corporate	corporate	ADJ
ajceb-1884	175	79	overheads	overhead	NOUN
ajceb-1884	175	80	(	(	PUNCT
ajceb-1884	175	81	coc	coc	PROPN
ajceb-1884	175	82	)	)	PUNCT
ajceb-1884	175	83	4	4	NUM
ajceb-1884	175	84	5	5	NUM
ajceb-1884	175	85	5	5	NUM
ajceb-1884	175	86	5	5	NUM
ajceb-1884	175	87	interest	interest	NOUN
ajceb-1884	175	88	rate	rate	NOUN
ajceb-1884	175	89	750	750	NUM
ajceb-1884	175	90	850	850	NUM
ajceb-1884	175	91	880	880	NUM
ajceb-1884	175	92	table	table	NOUN
ajceb-1884	175	93	2	2	NUM
ajceb-1884	175	94	:	:	PUNCT
ajceb-1884	175	95	possible	possible	ADJ
ajceb-1884	175	96	future	future	ADJ
ajceb-1884	175	97	changes	change	NOUN
ajceb-1884	175	98	in	in	ADP
ajceb-1884	175	99	typical	typical	ADJ
ajceb-1884	175	100	mortgage	mortgage	NOUN
ajceb-1884	175	101	lending	lending	NOUN
ajceb-1884	175	102	interest	interest	NOUN
ajceb-1884	175	103	rate	rate	NOUN
ajceb-1884	175	104	assumptions	assumption	NOUN
ajceb-1884	175	105	1	1	NUM
ajceb-1884	175	106	.	.	PUNCT
ajceb-1884	176	1	cof	cof	PROPN
ajceb-1884	176	2	represented	represent	VERB
ajceb-1884	176	3	by	by	ADP
ajceb-1884	176	4	180	180	NUM
ajceb-1884	176	5	days	day	NOUN
ajceb-1884	176	6	bank	bank	NOUN
ajceb-1884	176	7	bills	bill	NOUN
ajceb-1884	176	8	interest	interest	NOUN
ajceb-1884	176	9	rate	rate	NOUN
ajceb-1884	176	10	as	as	ADP
ajceb-1884	176	11	of	of	ADP
ajceb-1884	176	12	march	march	PROPN
ajceb-1884	176	13	2010	2010	NUM
ajceb-1884	176	14	.	.	PUNCT
ajceb-1884	177	1	in	in	ADP
ajceb-1884	177	2	line	line	NOUN
ajceb-1884	177	3	with	with	ADP
ajceb-1884	177	4	the	the	DET
ajceb-1884	177	5	shape	shape	NOUN
ajceb-1884	177	6	of	of	ADP
ajceb-1884	177	7	the	the	DET
ajceb-1884	177	8	capital	capital	NOUN
ajceb-1884	177	9	markets	market	NOUN
ajceb-1884	177	10	yield	yield	VERB
ajceb-1884	177	11	curve	curve	NOUN
ajceb-1884	177	12	;	;	PUNCT
ajceb-1884	177	13	we	we	PRON
ajceb-1884	177	14	expect	expect	VERB
ajceb-1884	177	15	moderate	moderate	ADJ
ajceb-1884	177	16	increases	increase	NOUN
ajceb-1884	177	17	in	in	ADP
ajceb-1884	177	18	cof	cof	PROPN
ajceb-1884	177	19	for	for	ADP
ajceb-1884	177	20	both	both	DET
ajceb-1884	177	21	2011	2011	NUM
ajceb-1884	177	22	and	and	CCONJ
ajceb-1884	177	23	2012	2012	NUM
ajceb-1884	177	24	.	.	PUNCT
ajceb-1884	178	1	australasian	australasian	ADJ
ajceb-1884	178	2	journal	journal	NOUN
ajceb-1884	178	3	of	of	ADP
ajceb-1884	178	4	construction	construction	NOUN
ajceb-1884	178	5	economics	economic	NOUN
ajceb-1884	178	6	and	and	CCONJ
ajceb-1884	178	7	building	building	PROPN
ajceb-1884	178	8	karamujic	karamujic	PROPN
ajceb-1884	178	9	,	,	PUNCT
ajceb-1884	178	10	h	h	NOUN
ajceb-1884	178	11	m	m	VERB
ajceb-1884	178	12	(	(	PUNCT
ajceb-1884	178	13	2010	2010	NUM
ajceb-1884	178	14	)	)	PUNCT
ajceb-1884	179	1	‘	'	PUNCT
ajceb-1884	179	2	an	an	DET
ajceb-1884	179	3	investigation	investigation	NOUN
ajceb-1884	179	4	into	into	ADP
ajceb-1884	179	5	the	the	DET
ajceb-1884	179	6	fundamental	fundamental	ADJ
ajceb-1884	179	7	drivers	driver	NOUN
ajceb-1884	179	8	of	of	ADP
ajceb-1884	179	9	pricing	pricing	NOUN
ajceb-1884	179	10	of	of	ADP
ajceb-1884	179	11	residential	residential	ADJ
ajceb-1884	179	12	mortgage	mortgage	NOUN
ajceb-1884	179	13	products	product	NOUN
ajceb-1884	179	14	–	–	PUNCT
ajceb-1884	179	15	a	a	DET
ajceb-1884	179	16	risk	risk	NOUN
ajceb-1884	179	17	pricing	pricing	NOUN
ajceb-1884	179	18	viewpoint	viewpoint	NOUN
ajceb-1884	179	19	’	'	PUNCT
ajceb-1884	179	20	,	,	PUNCT
ajceb-1884	179	21	australasian	australasian	ADJ
ajceb-1884	179	22	journal	journal	NOUN
ajceb-1884	179	23	of	of	ADP
ajceb-1884	179	24	construction	construction	NOUN
ajceb-1884	179	25	economics	economic	NOUN
ajceb-1884	179	26	and	and	CCONJ
ajceb-1884	179	27	building	building	NOUN
ajceb-1884	179	28	,	,	PUNCT
ajceb-1884	179	29	10	10	NUM
ajceb-1884	179	30	(	(	PUNCT
ajceb-1884	179	31	4	4	NUM
ajceb-1884	179	32	)	)	SYM
ajceb-1884	179	33	60	60	NUM
ajceb-1884	179	34	-	-	SYM
ajceb-1884	179	35	72	72	NUM
ajceb-1884	179	36	69	69	NUM
ajceb-1884	179	37	2	2	NUM
ajceb-1884	179	38	.	.	PUNCT
ajceb-1884	180	1	as	as	SCONJ
ajceb-1884	180	2	financial	financial	ADJ
ajceb-1884	180	3	markets	market	NOUN
ajceb-1884	180	4	stabilize	stabilize	VERB
ajceb-1884	180	5	and	and	CCONJ
ajceb-1884	180	6	banking	banking	NOUN
ajceb-1884	180	7	risk	risk	NOUN
ajceb-1884	180	8	profiles	profile	NOUN
ajceb-1884	180	9	improve	improve	VERB
ajceb-1884	180	10	,	,	PUNCT
ajceb-1884	180	11	conservatively	conservatively	ADV
ajceb-1884	180	12	we	we	PRON
ajceb-1884	180	13	expect	expect	VERB
ajceb-1884	180	14	provisioning	provisioning	NOUN
ajceb-1884	180	15	cost	cost	NOUN
ajceb-1884	180	16	to	to	PART
ajceb-1884	180	17	reduce	reduce	VERB
ajceb-1884	180	18	by	by	ADP
ajceb-1884	180	19	10	10	NUM
ajceb-1884	180	20	bps	bps	NOUN
ajceb-1884	180	21	in	in	ADP
ajceb-1884	180	22	2010	2010	NUM
ajceb-1884	180	23	,	,	PUNCT
ajceb-1884	180	24	stay	stay	VERB
ajceb-1884	180	25	unchanged	unchanged	ADJ
ajceb-1884	180	26	in	in	ADP
ajceb-1884	180	27	2011	2011	NUM
ajceb-1884	180	28	,	,	PUNCT
ajceb-1884	180	29	and	and	CCONJ
ajceb-1884	180	30	then	then	ADV
ajceb-1884	180	31	also	also	ADV
ajceb-1884	180	32	reduce	reduce	VERB
ajceb-1884	180	33	by	by	ADP
ajceb-1884	180	34	additional	additional	ADJ
ajceb-1884	180	35	10	10	NUM
ajceb-1884	180	36	bps	bps	NOUN
ajceb-1884	180	37	in	in	ADP
ajceb-1884	180	38	2012	2012	NUM
ajceb-1884	180	39	.	.	PUNCT
ajceb-1884	181	1	3	3	X
ajceb-1884	181	2	.	.	X
ajceb-1884	181	3	with	with	ADP
ajceb-1884	181	4	stabilization	stabilization	NOUN
ajceb-1884	181	5	of	of	ADP
ajceb-1884	181	6	wholesale	wholesale	ADJ
ajceb-1884	181	7	credit	credit	NOUN
ajceb-1884	181	8	markets	market	NOUN
ajceb-1884	181	9	and	and	CCONJ
ajceb-1884	181	10	ongoing	ongoing	ADJ
ajceb-1884	181	11	improvement	improvement	NOUN
ajceb-1884	181	12	in	in	ADP
ajceb-1884	181	13	domestic	domestic	ADJ
ajceb-1884	181	14	economic	economic	ADJ
ajceb-1884	181	15	performance	performance	NOUN
ajceb-1884	181	16	,	,	PUNCT
ajceb-1884	181	17	lending	lending	NOUN
ajceb-1884	181	18	margins	margin	NOUN
ajceb-1884	181	19	are	be	AUX
ajceb-1884	181	20	expected	expect	VERB
ajceb-1884	181	21	to	to	PART
ajceb-1884	181	22	improve	improve	VERB
ajceb-1884	181	23	.	.	PUNCT
ajceb-1884	182	1	we	we	PRON
ajceb-1884	182	2	forecasted	forecast	VERB
ajceb-1884	182	3	for	for	ADP
ajceb-1884	182	4	ongoing	ongoing	ADJ
ajceb-1884	182	5	improvements	improvement	NOUN
ajceb-1884	182	6	during	during	ADP
ajceb-1884	182	7	the	the	DET
ajceb-1884	182	8	observed	observed	ADJ
ajceb-1884	182	9	period	period	NOUN
ajceb-1884	182	10	,	,	PUNCT
ajceb-1884	182	11	and	and	CCONJ
ajceb-1884	182	12	return	return	VERB
ajceb-1884	182	13	to	to	ADP
ajceb-1884	182	14	long	long	ADJ
ajceb-1884	182	15	run	run	NOUN
ajceb-1884	182	16	average	average	ADJ
ajceb-1884	182	17	by	by	ADP
ajceb-1884	182	18	2012	2012	NUM
ajceb-1884	182	19	.	.	PUNCT
ajceb-1884	183	1	4	4	NUM
ajceb-1884	183	2	.	.	X
ajceb-1884	183	3	cos	cos	PROPN
ajceb-1884	183	4	and	and	CCONJ
ajceb-1884	183	5	coc	coc	PROPN
ajceb-1884	183	6	are	be	AUX
ajceb-1884	183	7	predominantly	predominantly	ADV
ajceb-1884	183	8	fix	fix	NOUN
ajceb-1884	183	9	costs	cost	NOUN
ajceb-1884	183	10	.	.	PUNCT
ajceb-1884	184	1	they	they	PRON
ajceb-1884	184	2	are	be	AUX
ajceb-1884	184	3	estimated	estimate	VERB
ajceb-1884	184	4	at	at	ADP
ajceb-1884	184	5	5	5	NUM
ajceb-1884	184	6	bps	bps	NOUN
ajceb-1884	184	7	each	each	PRON
ajceb-1884	184	8	across	across	ADP
ajceb-1884	184	9	the	the	DET
ajceb-1884	184	10	observed	observed	ADJ
ajceb-1884	184	11	period	period	NOUN
ajceb-1884	184	12	.	.	PUNCT
ajceb-1884	185	1	perhaps	perhaps	ADV
ajceb-1884	185	2	of	of	ADP
ajceb-1884	185	3	most	most	ADJ
ajceb-1884	185	4	interest	interest	NOUN
ajceb-1884	185	5	in	in	ADP
ajceb-1884	185	6	gaining	gain	VERB
ajceb-1884	185	7	some	some	DET
ajceb-1884	185	8	insight	insight	NOUN
ajceb-1884	185	9	into	into	ADP
ajceb-1884	185	10	the	the	DET
ajceb-1884	185	11	future	future	ADJ
ajceb-1884	185	12	direction	direction	NOUN
ajceb-1884	185	13	of	of	ADP
ajceb-1884	185	14	interest	interest	NOUN
ajceb-1884	185	15	rates	rate	NOUN
ajceb-1884	185	16	is	be	AUX
ajceb-1884	185	17	to	to	PART
ajceb-1884	185	18	look	look	VERB
ajceb-1884	185	19	at	at	ADP
ajceb-1884	185	20	which	which	PRON
ajceb-1884	185	21	of	of	ADP
ajceb-1884	185	22	the	the	DET
ajceb-1884	185	23	key	key	ADJ
ajceb-1884	185	24	drivers‟	drivers‟	NOUN
ajceb-1884	185	25	discussed	discuss	VERB
ajceb-1884	185	26	above	above	ADV
ajceb-1884	185	27	are	be	AUX
ajceb-1884	185	28	going	go	VERB
ajceb-1884	185	29	to	to	PART
ajceb-1884	185	30	have	have	VERB
ajceb-1884	185	31	prominent	prominent	ADJ
ajceb-1884	185	32	influences	influence	NOUN
ajceb-1884	185	33	over	over	ADP
ajceb-1884	185	34	the	the	DET
ajceb-1884	185	35	next	next	ADJ
ajceb-1884	185	36	few	few	ADJ
ajceb-1884	185	37	years	year	NOUN
ajceb-1884	185	38	.	.	PUNCT
ajceb-1884	186	1	in	in	ADP
ajceb-1884	186	2	regards	regard	NOUN
ajceb-1884	186	3	to	to	ADP
ajceb-1884	186	4	future	future	ADJ
ajceb-1884	186	5	movements	movement	NOUN
ajceb-1884	186	6	in	in	ADP
ajceb-1884	186	7	typical	typical	ADJ
ajceb-1884	186	8	home	home	NOUN
ajceb-1884	186	9	loan	loan	NOUN
ajceb-1884	186	10	interest	interest	NOUN
ajceb-1884	186	11	rates	rate	NOUN
ajceb-1884	186	12	we	we	PRON
ajceb-1884	186	13	expect	expect	VERB
ajceb-1884	186	14	:	:	PUNCT
ajceb-1884	186	15	(	(	PUNCT
ajceb-1884	186	16	i	i	NOUN
ajceb-1884	186	17	)	)	PUNCT
ajceb-1884	186	18	a	a	DET
ajceb-1884	186	19	modest	modest	ADJ
ajceb-1884	186	20	upward	upward	ADJ
ajceb-1884	186	21	push	push	NOUN
ajceb-1884	186	22	driven	drive	VERB
ajceb-1884	186	23	by	by	ADP
ajceb-1884	186	24	expected	expected	ADJ
ajceb-1884	186	25	increase	increase	NOUN
ajceb-1884	186	26	in	in	ADP
ajceb-1884	186	27	cofs	cof	NOUN
ajceb-1884	186	28	and	and	CCONJ
ajceb-1884	186	29	lms	lm	NOUN
ajceb-1884	186	30	,	,	PUNCT
ajceb-1884	186	31	and	and	CCONJ
ajceb-1884	186	32	(	(	PUNCT
ajceb-1884	186	33	ii	ii	NOUN
ajceb-1884	186	34	)	)	PUNCT
ajceb-1884	186	35	partly	partly	ADV
ajceb-1884	186	36	offsetting	offset	VERB
ajceb-1884	186	37	downward	downward	ADJ
ajceb-1884	186	38	push	push	NOUN
ajceb-1884	186	39	due	due	ADP
ajceb-1884	186	40	to	to	ADP
ajceb-1884	186	41	eventual	eventual	ADJ
ajceb-1884	186	42	reduction	reduction	NOUN
ajceb-1884	186	43	in	in	ADP
ajceb-1884	186	44	llps	llp	NOUN
ajceb-1884	186	45	.	.	PUNCT
ajceb-1884	187	1	an	an	DET
ajceb-1884	187	2	overview	overview	NOUN
ajceb-1884	187	3	of	of	ADP
ajceb-1884	187	4	basel	basel	PROPN
ajceb-1884	187	5	capital	capital	PROPN
ajceb-1884	187	6	accords	accord	NOUN
ajceb-1884	187	7	main	main	ADJ
ajceb-1884	187	8	objectives	objective	NOUN
ajceb-1884	187	9	of	of	ADP
ajceb-1884	187	10	basel	basel	PROPN
ajceb-1884	187	11	capital	capital	PROPN
ajceb-1884	187	12	accords	accord	NOUN
ajceb-1884	187	13	are	be	AUX
ajceb-1884	187	14	to	to	PART
ajceb-1884	187	15	promote	promote	VERB
ajceb-1884	187	16	safety	safety	NOUN
ajceb-1884	187	17	and	and	CCONJ
ajceb-1884	187	18	soundness	soundness	NOUN
ajceb-1884	187	19	in	in	ADP
ajceb-1884	187	20	the	the	DET
ajceb-1884	187	21	financial	financial	ADJ
ajceb-1884	187	22	institutions	institution	NOUN
ajceb-1884	187	23	by	by	ADP
ajceb-1884	187	24	ensuring	ensure	VERB
ajceb-1884	187	25	maintenance	maintenance	NOUN
ajceb-1884	187	26	of	of	ADP
ajceb-1884	187	27	sufficient	sufficient	ADJ
ajceb-1884	187	28	capital	capital	NOUN
ajceb-1884	187	29	levels	level	NOUN
ajceb-1884	187	30	,	,	PUNCT
ajceb-1884	187	31	supporting	support	VERB
ajceb-1884	187	32	development	development	NOUN
ajceb-1884	187	33	and	and	CCONJ
ajceb-1884	187	34	implementation	implementation	NOUN
ajceb-1884	187	35	of	of	ADP
ajceb-1884	187	36	adequate	adequate	ADJ
ajceb-1884	187	37	policies	policy	NOUN
ajceb-1884	187	38	and	and	CCONJ
ajceb-1884	187	39	processes	process	NOUN
ajceb-1884	187	40	,	,	PUNCT
ajceb-1884	187	41	and	and	CCONJ
ajceb-1884	187	42	ensure	ensure	VERB
ajceb-1884	187	43	continuance	continuance	NOUN
ajceb-1884	187	44	of	of	ADP
ajceb-1884	187	45	robust	robust	ADJ
ajceb-1884	187	46	governance	governance	NOUN
ajceb-1884	187	47	practices	practice	NOUN
ajceb-1884	187	48	to	to	PART
ajceb-1884	187	49	safeguard	safeguard	VERB
ajceb-1884	187	50	against	against	ADP
ajceb-1884	187	51	all	all	DET
ajceb-1884	187	52	types	type	NOUN
ajceb-1884	187	53	of	of	ADP
ajceb-1884	187	54	risk	risk	NOUN
ajceb-1884	187	55	.	.	PUNCT
ajceb-1884	188	1	the	the	DET
ajceb-1884	188	2	name	name	NOUN
ajceb-1884	188	3	„	„	PUNCT
ajceb-1884	188	4	basel‟	basel‟	NOUN
ajceb-1884	188	5	comes	come	VERB
ajceb-1884	188	6	from	from	ADP
ajceb-1884	188	7	the	the	DET
ajceb-1884	188	8	swiss	swiss	ADJ
ajceb-1884	188	9	city	city	NOUN
ajceb-1884	188	10	of	of	ADP
ajceb-1884	188	11	basel	basel	PROPN
ajceb-1884	188	12	,	,	PUNCT
ajceb-1884	188	13	which	which	PRON
ajceb-1884	188	14	is	be	AUX
ajceb-1884	188	15	where	where	SCONJ
ajceb-1884	188	16	the	the	DET
ajceb-1884	188	17	bank	bank	NOUN
ajceb-1884	188	18	for	for	ADP
ajceb-1884	188	19	international	international	ADJ
ajceb-1884	188	20	settlements	settlement	NOUN
ajceb-1884	188	21	(	(	PUNCT
ajceb-1884	188	22	bis	bis	ADJ
ajceb-1884	188	23	)	)	PUNCT
ajceb-1884	188	24	developed	develop	VERB
ajceb-1884	188	25	the	the	DET
ajceb-1884	188	26	original	original	ADJ
ajceb-1884	188	27	framework	framework	NOUN
ajceb-1884	188	28	,	,	PUNCT
ajceb-1884	188	29	known	know	VERB
ajceb-1884	188	30	as	as	ADP
ajceb-1884	188	31	basel	basel	PROPN
ajceb-1884	188	32	i.	i.	PROPN
ajceb-1884	188	33	principally	principally	ADV
ajceb-1884	188	34	,	,	PUNCT
ajceb-1884	188	35	the	the	DET
ajceb-1884	188	36	development	development	NOUN
ajceb-1884	188	37	of	of	ADP
ajceb-1884	188	38	basel	basel	PROPN
ajceb-1884	188	39	i	i	PRON
ajceb-1884	188	40	came	come	VERB
ajceb-1884	188	41	about	about	ADP
ajceb-1884	188	42	in	in	ADP
ajceb-1884	188	43	response	response	NOUN
ajceb-1884	188	44	to	to	ADP
ajceb-1884	188	45	concerns	concern	NOUN
ajceb-1884	188	46	by	by	ADP
ajceb-1884	188	47	bank	bank	NOUN
ajceb-1884	188	48	regulators	regulator	NOUN
ajceb-1884	188	49	that	that	SCONJ
ajceb-1884	188	50	some	some	DET
ajceb-1884	188	51	banks	bank	NOUN
ajceb-1884	188	52	,	,	PUNCT
ajceb-1884	188	53	especially	especially	ADV
ajceb-1884	188	54	internationally	internationally	ADV
ajceb-1884	188	55	active	active	ADJ
ajceb-1884	188	56	banks	bank	NOUN
ajceb-1884	188	57	,	,	PUNCT
ajceb-1884	188	58	did	do	AUX
ajceb-1884	188	59	not	not	PART
ajceb-1884	188	60	properly	properly	ADV
ajceb-1884	188	61	understand	understand	VERB
ajceb-1884	188	62	risk	risk	NOUN
ajceb-1884	188	63	and	and	CCONJ
ajceb-1884	188	64	thus	thus	ADV
ajceb-1884	188	65	posed	pose	VERB
ajceb-1884	188	66	a	a	DET
ajceb-1884	188	67	systemic	systemic	ADJ
ajceb-1884	188	68	risk	risk	NOUN
ajceb-1884	188	69	to	to	ADP
ajceb-1884	188	70	the	the	DET
ajceb-1884	188	71	global	global	ADJ
ajceb-1884	188	72	banking	banking	NOUN
ajceb-1884	188	73	system	system	NOUN
ajceb-1884	188	74	.	.	PUNCT
ajceb-1884	189	1	the	the	DET
ajceb-1884	189	2	accord	accord	NOUN
ajceb-1884	189	3	was	be	AUX
ajceb-1884	189	4	initially	initially	ADV
ajceb-1884	189	5	intended	intend	VERB
ajceb-1884	189	6	to	to	PART
ajceb-1884	189	7	only	only	ADV
ajceb-1884	189	8	apply	apply	VERB
ajceb-1884	189	9	to	to	ADP
ajceb-1884	189	10	banks	bank	NOUN
ajceb-1884	189	11	in	in	ADP
ajceb-1884	189	12	the	the	DET
ajceb-1884	189	13	world	world	NOUN
ajceb-1884	189	14	's	's	PART
ajceb-1884	189	15	richest	rich	ADJ
ajceb-1884	189	16	ten	ten	NUM
ajceb-1884	189	17	countries	country	NOUN
ajceb-1884	189	18	,	,	PUNCT
ajceb-1884	189	19	nevertheless	nevertheless	ADV
ajceb-1884	189	20	the	the	DET
ajceb-1884	189	21	accord	accord	NOUN
ajceb-1884	189	22	was	be	AUX
ajceb-1884	189	23	eventually	eventually	ADV
ajceb-1884	189	24	adopted	adopt	VERB
ajceb-1884	189	25	by	by	ADP
ajceb-1884	189	26	almost	almost	ADV
ajceb-1884	189	27	every	every	PRON
ajceb-1884	189	28	country	country	NOUN
ajceb-1884	189	29	in	in	ADP
ajceb-1884	189	30	the	the	DET
ajceb-1884	189	31	world	world	NOUN
ajceb-1884	189	32	.	.	PUNCT
ajceb-1884	190	1	in	in	ADP
ajceb-1884	190	2	short	short	ADJ
ajceb-1884	190	3	,	,	PUNCT
ajceb-1884	190	4	basel	basel	PROPN
ajceb-1884	190	5	i	i	PROPN
ajceb-1884	190	6	aimed	aim	VERB
ajceb-1884	190	7	to	to	PART
ajceb-1884	190	8	ensure	ensure	VERB
ajceb-1884	190	9	a	a	DET
ajceb-1884	190	10	standard	standard	ADJ
ajceb-1884	190	11	level	level	NOUN
ajceb-1884	190	12	of	of	ADP
ajceb-1884	190	13	banking	banking	NOUN
ajceb-1884	190	14	safety	safety	NOUN
ajceb-1884	190	15	and	and	CCONJ
ajceb-1884	190	16	security	security	NOUN
ajceb-1884	190	17	by	by	ADP
ajceb-1884	190	18	requiring	require	VERB
ajceb-1884	190	19	institutions	institution	NOUN
ajceb-1884	190	20	to	to	PART
ajceb-1884	190	21	have	have	VERB
ajceb-1884	190	22	sufficient	sufficient	ADJ
ajceb-1884	190	23	capital	capital	NOUN
ajceb-1884	190	24	to	to	PART
ajceb-1884	190	25	cover	cover	VERB
ajceb-1884	190	26	their	their	PRON
ajceb-1884	190	27	risks	risk	NOUN
ajceb-1884	190	28	.	.	PUNCT
ajceb-1884	191	1	the	the	DET
ajceb-1884	191	2	accord	accord	NOUN
ajceb-1884	191	3	was	be	AUX
ajceb-1884	191	4	introduced	introduce	VERB
ajceb-1884	191	5	in	in	ADP
ajceb-1884	191	6	1988	1988	NUM
ajceb-1884	191	7	and	and	CCONJ
ajceb-1884	191	8	is	be	AUX
ajceb-1884	191	9	also	also	ADV
ajceb-1884	191	10	known	know	VERB
ajceb-1884	191	11	as	as	ADP
ajceb-1884	191	12	the	the	DET
ajceb-1884	191	13	capital	capital	NOUN
ajceb-1884	191	14	adequacy	adequacy	NOUN
ajceb-1884	191	15	accord	accord	NOUN
ajceb-1884	191	16	of	of	ADP
ajceb-1884	191	17	1988	1988	NUM
ajceb-1884	191	18	.	.	PUNCT
ajceb-1884	192	1	it	it	PRON
ajceb-1884	192	2	prescribes	prescribe	VERB
ajceb-1884	192	3	the	the	DET
ajceb-1884	192	4	holding	holding	NOUN
ajceb-1884	192	5	of	of	ADP
ajceb-1884	192	6	core	core	NOUN
ajceb-1884	192	7	t1	t1	NOUN
ajceb-1884	192	8	of	of	ADP
ajceb-1884	192	9	no	no	DET
ajceb-1884	192	10	less	less	ADJ
ajceb-1884	192	11	than	than	ADP
ajceb-1884	192	12	4	4	NUM
ajceb-1884	192	13	per	per	ADP
ajceb-1884	192	14	cent	cent	NOUN
ajceb-1884	192	15	of	of	ADP
ajceb-1884	192	16	risk	risk	NOUN
ajceb-1884	192	17	-	-	PUNCT
ajceb-1884	192	18	weighted	weight	VERB
ajceb-1884	192	19	assets	asset	NOUN
ajceb-1884	192	20	(	(	PUNCT
ajceb-1884	192	21	with	with	ADP
ajceb-1884	192	22	common	common	ADJ
ajceb-1884	192	23	equity	equity	NOUN
ajceb-1884	192	24	(	(	PUNCT
ajceb-1884	192	25	ce	ce	PROPN
ajceb-1884	192	26	)	)	PUNCT
ajceb-1884	192	27	,	,	PUNCT
ajceb-1884	192	28	also	also	ADV
ajceb-1884	192	29	known	know	VERB
ajceb-1884	192	30	as	as	ADP
ajceb-1884	192	31	core	core	NOUN
ajceb-1884	192	32	t1	t1	NOUN
ajceb-1884	192	33	capital	capital	NOUN
ajceb-1884	192	34	ratio	ratio	NOUN
ajceb-1884	192	35	,	,	PUNCT
ajceb-1884	192	36	of	of	ADP
ajceb-1884	192	37	2	2	NUM
ajceb-1884	192	38	per	per	ADP
ajceb-1884	192	39	cent	cent	NOUN
ajceb-1884	192	40	)	)	PUNCT
ajceb-1884	192	41	,	,	PUNCT
ajceb-1884	192	42	and	and	CCONJ
ajceb-1884	192	43	total	total	ADJ
ajceb-1884	192	44	regulatory	regulatory	ADJ
ajceb-1884	192	45	capital	capital	NOUN
ajceb-1884	192	46	(	(	PUNCT
ajceb-1884	192	47	trc	trc	PROPN
ajceb-1884	192	48	)	)	PUNCT
ajceb-1884	192	49	of	of	ADP
ajceb-1884	192	50	no	no	DET
ajceb-1884	192	51	less	less	ADJ
ajceb-1884	192	52	than	than	ADP
ajceb-1884	192	53	8	8	NUM
ajceb-1884	192	54	per	per	ADP
ajceb-1884	192	55	cent	cent	NOUN
ajceb-1884	192	56	of	of	ADP
ajceb-1884	192	57	risk	risk	NOUN
ajceb-1884	192	58	-	-	PUNCT
ajceb-1884	192	59	weighted	weight	VERB
ajceb-1884	192	60	assets19	assets19	NOUN
ajceb-1884	192	61	.	.	PUNCT
ajceb-1884	193	1	major	major	ADJ
ajceb-1884	193	2	critiques	critique	NOUN
ajceb-1884	193	3	of	of	ADP
ajceb-1884	193	4	basel	basel	PROPN
ajceb-1884	193	5	i	i	PRON
ajceb-1884	193	6	are	be	AUX
ajceb-1884	193	7	that	that	SCONJ
ajceb-1884	193	8	it	it	PRON
ajceb-1884	193	9	focus	focus	VERB
ajceb-1884	193	10	on	on	ADP
ajceb-1884	193	11	credit	credit	NOUN
ajceb-1884	193	12	risk	risk	NOUN
ajceb-1884	193	13	and	and	CCONJ
ajceb-1884	193	14	that	that	SCONJ
ajceb-1884	193	15	the	the	DET
ajceb-1884	193	16	bulk	bulk	NOUN
ajceb-1884	193	17	of	of	ADP
ajceb-1884	193	18	a	a	DET
ajceb-1884	193	19	bank	bank	NOUN
ajceb-1884	193	20	's	's	PART
ajceb-1884	193	21	assets	asset	NOUN
ajceb-1884	193	22	are	be	AUX
ajceb-1884	193	23	subject	subject	ADJ
ajceb-1884	193	24	to	to	ADP
ajceb-1884	193	25	the	the	DET
ajceb-1884	193	26	same	same	ADJ
ajceb-1884	193	27	capital	capital	NOUN
ajceb-1884	193	28	charges	charge	NOUN
ajceb-1884	193	29	,	,	PUNCT
ajceb-1884	193	30	no	no	ADV
ajceb-1884	193	31	matter	matter	ADV
ajceb-1884	193	32	how	how	SCONJ
ajceb-1884	193	33	risky	risky	ADJ
ajceb-1884	193	34	they	they	PRON
ajceb-1884	193	35	are	be	AUX
ajceb-1884	193	36	.	.	PUNCT
ajceb-1884	194	1	as	as	SCONJ
ajceb-1884	194	2	the	the	DET
ajceb-1884	194	3	international	international	ADJ
ajceb-1884	194	4	financial	financial	ADJ
ajceb-1884	194	5	system	system	NOUN
ajceb-1884	194	6	has	have	AUX
ajceb-1884	194	7	grown	grow	VERB
ajceb-1884	194	8	more	more	ADV
ajceb-1884	194	9	sophisticated	sophisticated	ADJ
ajceb-1884	194	10	and	and	CCONJ
ajceb-1884	194	11	complex	complex	ADJ
ajceb-1884	194	12	,	,	PUNCT
ajceb-1884	194	13	the	the	DET
ajceb-1884	194	14	initial	initial	ADJ
ajceb-1884	194	15	accord‟s	accord‟s	NOUN
ajceb-1884	194	16	focus	focus	NOUN
ajceb-1884	194	17	on	on	ADP
ajceb-1884	194	18	credit	credit	NOUN
ajceb-1884	194	19	risk	risk	NOUN
ajceb-1884	194	20	has	have	AUX
ajceb-1884	194	21	become	become	VERB
ajceb-1884	194	22	insufficient	insufficient	ADJ
ajceb-1884	194	23	.	.	PUNCT
ajceb-1884	195	1	subsequent	subsequent	ADJ
ajceb-1884	195	2	events	event	NOUN
ajceb-1884	195	3	led	lead	VERB
ajceb-1884	195	4	to	to	ADP
ajceb-1884	195	5	a	a	DET
ajceb-1884	195	6	recognition	recognition	NOUN
ajceb-1884	195	7	that	that	SCONJ
ajceb-1884	195	8	more	more	ADV
ajceb-1884	195	9	sophisticated	sophisticated	ADJ
ajceb-1884	195	10	standards	standard	NOUN
ajceb-1884	195	11	are	be	AUX
ajceb-1884	195	12	required	require	VERB
ajceb-1884	195	13	to	to	PART
ajceb-1884	195	14	take	take	VERB
ajceb-1884	195	15	into	into	ADP
ajceb-1884	195	16	account	account	NOUN
ajceb-1884	195	17	industry	industry	NOUN
ajceb-1884	195	18	advances	advance	NOUN
ajceb-1884	195	19	and	and	CCONJ
ajceb-1884	195	20	,	,	PUNCT
ajceb-1884	195	21	as	as	ADP
ajceb-1884	195	22	a	a	DET
ajceb-1884	195	23	result	result	NOUN
ajceb-1884	195	24	,	,	PUNCT
ajceb-1884	195	25	the	the	DET
ajceb-1884	195	26	bis	bis	NOUN
ajceb-1884	195	27	began	begin	VERB
ajceb-1884	195	28	to	to	PART
ajceb-1884	195	29	review	review	VERB
ajceb-1884	195	30	the	the	DET
ajceb-1884	195	31	basel	basel	PROPN
ajceb-1884	195	32	i	i	PROPN
ajceb-1884	195	33	framework	framework	NOUN
ajceb-1884	195	34	.	.	PUNCT
ajceb-1884	196	1	the	the	DET
ajceb-1884	196	2	regime	regime	NOUN
ajceb-1884	196	3	was	be	AUX
ajceb-1884	196	4	refined	refine	VERB
ajceb-1884	196	5	and	and	CCONJ
ajceb-1884	196	6	made	make	VERB
ajceb-1884	196	7	more	more	ADV
ajceb-1884	196	8	sophisticated	sophisticated	ADJ
ajceb-1884	196	9	,	,	PUNCT
ajceb-1884	196	10	and	and	CCONJ
ajceb-1884	196	11	the	the	DET
ajceb-1884	196	12	risk	risk	NOUN
ajceb-1884	196	13	weightings	weighting	NOUN
ajceb-1884	196	14	more	more	ADV
ajceb-1884	196	15	granular	granular	ADJ
ajceb-1884	196	16	,	,	PUNCT
ajceb-1884	196	17	in	in	ADP
ajceb-1884	196	18	2004	2004	NUM
ajceb-1884	196	19	with	with	ADP
ajceb-1884	196	20	basel	basel	PROPN
ajceb-1884	196	21	ii	ii	PROPN
ajceb-1884	196	22	.	.	PUNCT
ajceb-1884	197	1	for	for	ADP
ajceb-1884	197	2	example	example	NOUN
ajceb-1884	197	3	,	,	PUNCT
ajceb-1884	197	4	it	it	PRON
ajceb-1884	197	5	allowed	allow	VERB
ajceb-1884	197	6	banks	bank	NOUN
ajceb-1884	197	7	with	with	ADP
ajceb-1884	197	8	the	the	DET
ajceb-1884	197	9	appropriate	appropriate	ADJ
ajceb-1884	197	10	systems	system	NOUN
ajceb-1884	197	11	and	and	CCONJ
ajceb-1884	197	12	historical	historical	ADJ
ajceb-1884	197	13	data	datum	NOUN
ajceb-1884	197	14	to	to	PART
ajceb-1884	197	15	use	use	VERB
ajceb-1884	197	16	an	an	DET
ajceb-1884	197	17	internal	internal	ADJ
ajceb-1884	197	18	ratings	rating	NOUN
ajceb-1884	197	19	-	-	PUNCT
ajceb-1884	197	20	based	base	VERB
ajceb-1884	197	21	(	(	PUNCT
ajceb-1884	197	22	irb	irb	PROPN
ajceb-1884	197	23	)	)	PUNCT
ajceb-1884	197	24	approach	approach	NOUN
ajceb-1884	197	25	to	to	PART
ajceb-1884	197	26	assess	assess	VERB
ajceb-1884	197	27	the	the	DET
ajceb-1884	197	28	risks	risk	NOUN
ajceb-1884	197	29	of	of	ADP
ajceb-1884	197	30	a	a	DET
ajceb-1884	197	31	particular	particular	ADJ
ajceb-1884	197	32	lending20	lending20	NOUN
ajceb-1884	197	33	.	.	PUNCT
ajceb-1884	198	1	on	on	ADP
ajceb-1884	198	2	the	the	DET
ajceb-1884	198	3	other	other	ADJ
ajceb-1884	198	4	hand	hand	NOUN
ajceb-1884	198	5	,	,	PUNCT
ajceb-1884	198	6	the	the	DET
ajceb-1884	198	7	basel	basel	PROPN
ajceb-1884	198	8	ii‟s	ii‟s	PROPN
ajceb-1884	198	9	standardised	standardise	VERB
ajceb-1884	198	10	approach	approach	NOUN
ajceb-1884	198	11	continued	continue	VERB
ajceb-1884	198	12	using	use	VERB
ajceb-1884	198	13	basel	basel	PROPN
ajceb-1884	199	1	i	i	PROPN
ajceb-1884	199	2	practice	practice	NOUN
ajceb-1884	199	3	of	of	ADP
ajceb-1884	199	4	setting	set	VERB
ajceb-1884	199	5	specific	specific	ADJ
ajceb-1884	199	6	risk	risk	NOUN
ajceb-1884	199	7	weights	weight	NOUN
ajceb-1884	199	8	for	for	ADP
ajceb-1884	199	9	certain	certain	ADJ
ajceb-1884	199	10	types	type	NOUN
ajceb-1884	199	11	of	of	ADP
ajceb-1884	199	12	credit	credit	NOUN
ajceb-1884	199	13	risk	risk	NOUN
ajceb-1884	199	14	.	.	PUNCT
ajceb-1884	200	1	the	the	DET
ajceb-1884	200	2	risk	risk	NOUN
ajceb-1884	200	3	weight	weight	NOUN
ajceb-1884	200	4	categories	category	NOUN
ajceb-1884	200	5	prescribed	prescribe	VERB
ajceb-1884	200	6	under	under	ADP
ajceb-1884	200	7	the	the	DET
ajceb-1884	200	8	standardised	standardised	ADJ
ajceb-1884	200	9	approach	approach	NOUN
ajceb-1884	200	10	are	be	AUX
ajceb-1884	200	11	the	the	DET
ajceb-1884	200	12	same	same	ADJ
ajceb-1884	200	13	as	as	ADP
ajceb-1884	200	14	those	those	PRON
ajceb-1884	200	15	used	use	VERB
ajceb-1884	200	16	under	under	ADP
ajceb-1884	200	17	basel	basel	PROPN
ajceb-1884	200	18	1	1	NUM
ajceb-1884	200	19	with	with	ADP
ajceb-1884	200	20	an	an	DET
ajceb-1884	200	21	addition	addition	NOUN
ajceb-1884	200	22	of	of	ADP
ajceb-1884	200	23	new	new	ADJ
ajceb-1884	200	24	150	150	NUM
ajceb-1884	200	25	%	%	NOUN
ajceb-1884	200	26	rating	rating	NOUN
ajceb-1884	200	27	,	,	PUNCT
ajceb-1884	200	28	which	which	PRON
ajceb-1884	200	29	is	be	AUX
ajceb-1884	200	30	allocated	allocate	VERB
ajceb-1884	200	31	for	for	ADP
ajceb-1884	200	32	borrowers	borrower	NOUN
ajceb-1884	200	33	with	with	ADP
ajceb-1884	200	34	poor	poor	ADJ
ajceb-1884	200	35	credit	credit	NOUN
ajceb-1884	200	36	ratings	rating	NOUN
ajceb-1884	200	37	.	.	PUNCT
ajceb-1884	201	1	19	19	NUM
ajceb-1884	201	2	applicable	applicable	ADJ
ajceb-1884	201	3	risk	risk	NOUN
ajceb-1884	201	4	weight	weight	NOUN
ajceb-1884	201	5	are	be	AUX
ajceb-1884	201	6	:	:	PUNCT
ajceb-1884	201	7	0	0	NUM
ajceb-1884	201	8	%	%	NOUN
ajceb-1884	201	9	for	for	ADP
ajceb-1884	201	10	short	short	ADJ
ajceb-1884	201	11	term	term	NOUN
ajceb-1884	201	12	government	government	NOUN
ajceb-1884	201	13	bonds	bond	NOUN
ajceb-1884	201	14	,	,	PUNCT
ajceb-1884	201	15	20	20	NUM
ajceb-1884	201	16	%	%	NOUN
ajceb-1884	201	17	for	for	ADP
ajceb-1884	201	18	exposures	exposure	NOUN
ajceb-1884	201	19	to	to	ADP
ajceb-1884	201	20	the	the	DET
ajceb-1884	201	21	organisation	organisation	NOUN
ajceb-1884	201	22	for	for	ADP
ajceb-1884	201	23	economic	economic	ADJ
ajceb-1884	201	24	co	co	NOUN
ajceb-1884	201	25	-	-	NOUN
ajceb-1884	201	26	operation	operation	NOUN
ajceb-1884	201	27	and	and	CCONJ
ajceb-1884	201	28	development	development	NOUN
ajceb-1884	201	29	(	(	PUNCT
ajceb-1884	201	30	oecd	oecd	PROPN
ajceb-1884	201	31	)	)	PUNCT
ajceb-1884	201	32	member	member	NOUN
ajceb-1884	201	33	countries‟	countries‟	PROPN
ajceb-1884	201	34	banks	bank	NOUN
ajceb-1884	201	35	,	,	PUNCT
ajceb-1884	201	36	50	50	NUM
ajceb-1884	201	37	%	%	NOUN
ajceb-1884	201	38	for	for	ADP
ajceb-1884	201	39	residential	residential	ADJ
ajceb-1884	201	40	mortgages	mortgage	NOUN
ajceb-1884	201	41	and	and	CCONJ
ajceb-1884	201	42	100	100	NUM
ajceb-1884	201	43	%	%	NOUN
ajceb-1884	201	44	weighting	weighting	NOUN
ajceb-1884	201	45	on	on	ADP
ajceb-1884	201	46	other	other	ADJ
ajceb-1884	201	47	personal	personal	ADJ
ajceb-1884	201	48	and	and	CCONJ
ajceb-1884	201	49	unsecured	unsecured	ADJ
ajceb-1884	201	50	commercial	commercial	ADJ
ajceb-1884	201	51	loans	loan	NOUN
ajceb-1884	201	52	.	.	PUNCT
ajceb-1884	202	1	20	20	NUM
ajceb-1884	202	2	the	the	DET
ajceb-1884	202	3	basel	basel	PROPN
ajceb-1884	202	4	ii	ii	PROPN
ajceb-1884	202	5	accord	accord	NOUN
ajceb-1884	202	6	comprises	comprise	NOUN
ajceb-1884	202	7	of	of	ADP
ajceb-1884	202	8	three	three	NUM
ajceb-1884	202	9	interrelated	interrelated	ADJ
ajceb-1884	202	10	segments	segment	NOUN
ajceb-1884	202	11	that	that	PRON
ajceb-1884	202	12	are	be	AUX
ajceb-1884	202	13	known	know	VERB
ajceb-1884	202	14	as	as	ADP
ajceb-1884	202	15	the	the	DET
ajceb-1884	202	16	"	"	PUNCT
ajceb-1884	202	17	three	three	NUM
ajceb-1884	202	18	pillars	pillar	NOUN
ajceb-1884	202	19	"	"	PUNCT
ajceb-1884	202	20	.	.	PUNCT
ajceb-1884	203	1	for	for	ADP
ajceb-1884	203	2	more	more	ADJ
ajceb-1884	203	3	on	on	ADP
ajceb-1884	203	4	the	the	DET
ajceb-1884	203	5	three	three	NUM
ajceb-1884	203	6	basel	basel	PROPN
ajceb-1884	203	7	ii	ii	PROPN
ajceb-1884	203	8	pillars	pillar	NOUN
ajceb-1884	203	9	and	and	CCONJ
ajceb-1884	203	10	different	different	ADJ
ajceb-1884	203	11	basel	basel	PROPN
ajceb-1884	203	12	ii	ii	PROPN
ajceb-1884	203	13	approaches	approach	NOUN
ajceb-1884	203	14	see	see	VERB
ajceb-1884	203	15	bis	bis	PROPN
ajceb-1884	203	16	(	(	PUNCT
ajceb-1884	203	17	2006	2006	NUM
ajceb-1884	203	18	)	)	PUNCT
ajceb-1884	203	19	.	.	PUNCT
ajceb-1884	204	1	australasian	australasian	ADJ
ajceb-1884	204	2	journal	journal	NOUN
ajceb-1884	204	3	of	of	ADP
ajceb-1884	204	4	construction	construction	NOUN
ajceb-1884	204	5	economics	economic	NOUN
ajceb-1884	204	6	and	and	CCONJ
ajceb-1884	204	7	building	building	PROPN
ajceb-1884	204	8	karamujic	karamujic	PROPN
ajceb-1884	204	9	,	,	PUNCT
ajceb-1884	204	10	h	h	NOUN
ajceb-1884	204	11	m	m	VERB
ajceb-1884	204	12	(	(	PUNCT
ajceb-1884	204	13	2010	2010	NUM
ajceb-1884	204	14	)	)	PUNCT
ajceb-1884	204	15	‘	'	PUNCT
ajceb-1884	204	16	an	an	DET
ajceb-1884	204	17	investigation	investigation	NOUN
ajceb-1884	204	18	into	into	ADP
ajceb-1884	204	19	the	the	DET
ajceb-1884	204	20	fundamental	fundamental	ADJ
ajceb-1884	204	21	drivers	driver	NOUN
ajceb-1884	204	22	of	of	ADP
ajceb-1884	204	23	pricing	pricing	NOUN
ajceb-1884	204	24	of	of	ADP
ajceb-1884	204	25	residential	residential	ADJ
ajceb-1884	204	26	mortgage	mortgage	NOUN
ajceb-1884	204	27	products	product	NOUN
ajceb-1884	204	28	–	–	PUNCT
ajceb-1884	204	29	a	a	DET
ajceb-1884	204	30	risk	risk	NOUN
ajceb-1884	204	31	pricing	pricing	NOUN
ajceb-1884	204	32	viewpoint	viewpoint	NOUN
ajceb-1884	204	33	’	'	PUNCT
ajceb-1884	204	34	,	,	PUNCT
ajceb-1884	204	35	australasian	australasian	ADJ
ajceb-1884	204	36	journal	journal	NOUN
ajceb-1884	204	37	of	of	ADP
ajceb-1884	204	38	construction	construction	NOUN
ajceb-1884	204	39	economics	economic	NOUN
ajceb-1884	204	40	and	and	CCONJ
ajceb-1884	204	41	building	building	NOUN
ajceb-1884	204	42	,	,	PUNCT
ajceb-1884	204	43	10	10	NUM
ajceb-1884	204	44	(	(	PUNCT
ajceb-1884	204	45	4	4	NUM
ajceb-1884	204	46	)	)	SYM
ajceb-1884	204	47	60	60	NUM
ajceb-1884	204	48	-	-	SYM
ajceb-1884	204	49	72	72	NUM
ajceb-1884	204	50	70	70	NUM
ajceb-1884	204	51	the	the	DET
ajceb-1884	204	52	overall	overall	ADJ
ajceb-1884	204	53	objective	objective	NOUN
ajceb-1884	204	54	of	of	ADP
ajceb-1884	204	55	the	the	DET
ajceb-1884	204	56	basel	basel	PROPN
ajceb-1884	204	57	ii	ii	PROPN
ajceb-1884	204	58	was	be	AUX
ajceb-1884	204	59	to	to	PART
ajceb-1884	204	60	promote	promote	VERB
ajceb-1884	204	61	safety	safety	NOUN
ajceb-1884	204	62	and	and	CCONJ
ajceb-1884	204	63	soundness	soundness	NOUN
ajceb-1884	204	64	in	in	ADP
ajceb-1884	204	65	financial	financial	ADJ
ajceb-1884	204	66	institutions	institution	NOUN
ajceb-1884	204	67	by	by	ADP
ajceb-1884	204	68	ensuring	ensure	VERB
ajceb-1884	204	69	the	the	DET
ajceb-1884	204	70	maintenance	maintenance	NOUN
ajceb-1884	204	71	of	of	ADP
ajceb-1884	204	72	sufficient	sufficient	ADJ
ajceb-1884	204	73	capital	capital	NOUN
ajceb-1884	204	74	levels	level	NOUN
ajceb-1884	204	75	,	,	PUNCT
ajceb-1884	204	76	along	along	ADP
ajceb-1884	204	77	with	with	ADP
ajceb-1884	204	78	supporting	support	VERB
ajceb-1884	204	79	policies	policy	NOUN
ajceb-1884	204	80	and	and	CCONJ
ajceb-1884	204	81	processes	process	NOUN
ajceb-1884	204	82	and	and	CCONJ
ajceb-1884	204	83	robust	robust	ADJ
ajceb-1884	204	84	governance	governance	NOUN
ajceb-1884	204	85	practices	practice	NOUN
ajceb-1884	204	86	to	to	PART
ajceb-1884	204	87	safeguard	safeguard	VERB
ajceb-1884	204	88	against	against	ADP
ajceb-1884	204	89	credit	credit	NOUN
ajceb-1884	204	90	,	,	PUNCT
ajceb-1884	204	91	operational	operational	ADJ
ajceb-1884	204	92	,	,	PUNCT
ajceb-1884	204	93	market	market	NOUN
ajceb-1884	204	94	and	and	CCONJ
ajceb-1884	204	95	interest	interest	NOUN
ajceb-1884	204	96	rate	rate	NOUN
ajceb-1884	204	97	risks	risk	NOUN
ajceb-1884	204	98	.	.	PUNCT
ajceb-1884	205	1	by	by	ADP
ajceb-1884	205	2	allowing	allow	VERB
ajceb-1884	205	3	lenders	lender	NOUN
ajceb-1884	205	4	to	to	PART
ajceb-1884	205	5	match	match	VERB
ajceb-1884	205	6	their	their	PRON
ajceb-1884	205	7	capital	capital	NOUN
ajceb-1884	205	8	to	to	ADP
ajceb-1884	205	9	the	the	DET
ajceb-1884	205	10	level	level	NOUN
ajceb-1884	205	11	of	of	ADP
ajceb-1884	205	12	risk	risk	NOUN
ajceb-1884	205	13	,	,	PUNCT
ajceb-1884	205	14	the	the	DET
ajceb-1884	205	15	basel	basel	PROPN
ajceb-1884	205	16	ii	ii	PROPN
ajceb-1884	205	17	led	lead	VERB
ajceb-1884	205	18	to	to	ADP
ajceb-1884	205	19	more	more	ADV
ajceb-1884	205	20	pragmatic	pragmatic	ADJ
ajceb-1884	205	21	and	and	CCONJ
ajceb-1884	205	22	competitive	competitive	ADJ
ajceb-1884	205	23	pricing	pricing	NOUN
ajceb-1884	205	24	outcomes	outcome	NOUN
ajceb-1884	205	25	.	.	PUNCT
ajceb-1884	206	1	nevertheless	nevertheless	ADV
ajceb-1884	206	2	,	,	PUNCT
ajceb-1884	206	3	over	over	ADP
ajceb-1884	206	4	time	time	NOUN
ajceb-1884	206	5	it	it	PRON
ajceb-1884	206	6	became	become	VERB
ajceb-1884	206	7	obvious	obvious	ADJ
ajceb-1884	206	8	that	that	SCONJ
ajceb-1884	206	9	basel	basel	PROPN
ajceb-1884	206	10	ii	ii	PROPN
ajceb-1884	206	11	has	have	VERB
ajceb-1884	206	12	several	several	ADJ
ajceb-1884	206	13	major	major	ADJ
ajceb-1884	206	14	shortcomings	shortcoming	NOUN
ajceb-1884	206	15	,	,	PUNCT
ajceb-1884	206	16	namely	namely	ADV
ajceb-1884	206	17	:	:	PUNCT
ajceb-1884	206	18	(	(	PUNCT
ajceb-1884	206	19	i	i	NOUN
ajceb-1884	206	20	)	)	PUNCT
ajceb-1884	206	21	it	it	PRON
ajceb-1884	206	22	became	become	VERB
ajceb-1884	206	23	an	an	DET
ajceb-1884	206	24	international	international	ADJ
ajceb-1884	206	25	competition	competition	NOUN
ajceb-1884	206	26	for	for	ADP
ajceb-1884	206	27	consultants	consultant	NOUN
ajceb-1884	206	28	:	:	PUNCT
ajceb-1884	206	29	how	how	SCONJ
ajceb-1884	206	30	to	to	PART
ajceb-1884	206	31	help	help	VERB
ajceb-1884	206	32	banks	bank	NOUN
ajceb-1884	206	33	allocate	allocate	VERB
ajceb-1884	206	34	less	less	ADJ
ajceb-1884	206	35	capital	capital	NOUN
ajceb-1884	206	36	,	,	PUNCT
ajceb-1884	206	37	(	(	PUNCT
ajceb-1884	206	38	ii	ii	NOUN
ajceb-1884	206	39	)	)	PUNCT
ajceb-1884	206	40	it	it	PRON
ajceb-1884	206	41	was	be	AUX
ajceb-1884	206	42	accused	accuse	VERB
ajceb-1884	206	43	of	of	ADP
ajceb-1884	206	44	boosting	boost	VERB
ajceb-1884	206	45	procyclicality	procyclicality	NOUN
ajceb-1884	206	46	of	of	ADP
ajceb-1884	206	47	the	the	DET
ajceb-1884	206	48	banking	banking	NOUN
ajceb-1884	206	49	industry21	industry21	NOUN
ajceb-1884	206	50	,	,	PUNCT
ajceb-1884	206	51	(	(	PUNCT
ajceb-1884	206	52	iii	iii	X
ajceb-1884	206	53	)	)	PUNCT
ajceb-1884	206	54	it	it	PRON
ajceb-1884	206	55	created	create	VERB
ajceb-1884	206	56	significant	significant	ADJ
ajceb-1884	206	57	incentives	incentive	NOUN
ajceb-1884	206	58	for	for	SCONJ
ajceb-1884	206	59	banks	bank	NOUN
ajceb-1884	206	60	to	to	PART
ajceb-1884	206	61	move	move	VERB
ajceb-1884	206	62	risky	risky	ADJ
ajceb-1884	206	63	assets	asset	NOUN
ajceb-1884	206	64	to	to	ADP
ajceb-1884	206	65	unregulated	unregulated	ADJ
ajceb-1884	206	66	parts	part	NOUN
ajceb-1884	206	67	of	of	ADP
ajceb-1884	206	68	the	the	DET
ajceb-1884	206	69	holding	hold	VERB
ajceb-1884	206	70	company	company	NOUN
ajceb-1884	206	71	,	,	PUNCT
ajceb-1884	206	72	and	and	CCONJ
ajceb-1884	206	73	(	(	PUNCT
ajceb-1884	206	74	iii	iii	X
ajceb-1884	206	75	)	)	PUNCT
ajceb-1884	206	76	banks	bank	NOUN
ajceb-1884	206	77	took	take	VERB
ajceb-1884	206	78	advantage	advantage	NOUN
ajceb-1884	206	79	of	of	ADP
ajceb-1884	206	80	the	the	DET
ajceb-1884	206	81	opportunity	opportunity	NOUN
ajceb-1884	206	82	to	to	PART
ajceb-1884	206	83	transfer	transfer	VERB
ajceb-1884	206	84	risk	risk	NOUN
ajceb-1884	206	85	to	to	ADP
ajceb-1884	206	86	investors	investor	NOUN
ajceb-1884	206	87	use	use	VERB
ajceb-1884	206	88	securitization22	securitization22	NOUN
ajceb-1884	206	89	.	.	PUNCT
ajceb-1884	207	1	the	the	DET
ajceb-1884	207	2	analytical	analytical	ADJ
ajceb-1884	207	3	portion	portion	NOUN
ajceb-1884	207	4	of	of	ADP
ajceb-1884	207	5	the	the	DET
ajceb-1884	207	6	paper	paper	NOUN
ajceb-1884	207	7	focuses	focus	VERB
ajceb-1884	207	8	on	on	ADP
ajceb-1884	207	9	the	the	DET
ajceb-1884	207	10	two	two	NUM
ajceb-1884	207	11	presently	presently	ADV
ajceb-1884	207	12	established	establish	VERB
ajceb-1884	207	13	accords	accord	NOUN
ajceb-1884	207	14	:	:	PUNCT
ajceb-1884	207	15	basel	basel	PROPN
ajceb-1884	207	16	i	i	PROPN
ajceb-1884	207	17	and	and	CCONJ
ajceb-1884	207	18	basel	basel	PROPN
ajceb-1884	207	19	ii	ii	PROPN
ajceb-1884	207	20	.	.	PUNCT
ajceb-1884	208	1	those	those	DET
ajceb-1884	208	2	regulatory	regulatory	ADJ
ajceb-1884	208	3	frameworks	framework	NOUN
ajceb-1884	208	4	represent	represent	VERB
ajceb-1884	208	5	decades	decade	NOUN
ajceb-1884	208	6	-	-	PUNCT
ajceb-1884	208	7	long	long	ADJ
ajceb-1884	208	8	effort	effort	NOUN
ajceb-1884	208	9	at	at	ADP
ajceb-1884	208	10	perfecting	perfect	VERB
ajceb-1884	208	11	minimum	minimum	ADJ
ajceb-1884	208	12	capital	capital	NOUN
ajceb-1884	208	13	requirements	requirement	NOUN
ajceb-1884	208	14	calculations	calculation	NOUN
ajceb-1884	208	15	.	.	PUNCT
ajceb-1884	209	1	unfortunately	unfortunately	ADV
ajceb-1884	209	2	,	,	PUNCT
ajceb-1884	209	3	as	as	SCONJ
ajceb-1884	209	4	recent	recent	ADJ
ajceb-1884	209	5	events	event	NOUN
ajceb-1884	209	6	clearly	clearly	ADV
ajceb-1884	209	7	indicate	indicate	VERB
ajceb-1884	209	8	,	,	PUNCT
ajceb-1884	209	9	those	those	DET
ajceb-1884	209	10	rules	rule	NOUN
ajceb-1884	209	11	have	have	AUX
ajceb-1884	209	12	not	not	PART
ajceb-1884	209	13	proved	prove	VERB
ajceb-1884	209	14	as	as	ADV
ajceb-1884	209	15	useful	useful	ADJ
ajceb-1884	209	16	in	in	ADP
ajceb-1884	209	17	preventing	prevent	VERB
ajceb-1884	209	18	bank	bank	NOUN
ajceb-1884	209	19	illiquidity	illiquidity	NOUN
ajceb-1884	209	20	as	as	ADP
ajceb-1884	209	21	a	a	DET
ajceb-1884	209	22	result	result	NOUN
ajceb-1884	209	23	of	of	ADP
ajceb-1884	209	24	the	the	DET
ajceb-1884	209	25	gfc	gfc	NOUN
ajceb-1884	209	26	.	.	PUNCT
ajceb-1884	210	1	for	for	ADP
ajceb-1884	210	2	example	example	NOUN
ajceb-1884	210	3	,	,	PUNCT
ajceb-1884	210	4	just	just	ADV
ajceb-1884	210	5	five	five	NUM
ajceb-1884	210	6	days	day	NOUN
ajceb-1884	210	7	before	before	ADP
ajceb-1884	210	8	the	the	DET
ajceb-1884	210	9	bankruptcy	bankruptcy	NOUN
ajceb-1884	210	10	of	of	ADP
ajceb-1884	210	11	lehman	lehman	PROPN
ajceb-1884	210	12	brothers	brother	NOUN
ajceb-1884	210	13	in	in	ADP
ajceb-1884	210	14	september	september	PROPN
ajceb-1884	210	15	2008	2008	NUM
ajceb-1884	210	16	,	,	PUNCT
ajceb-1884	210	17	it	it	PRON
ajceb-1884	210	18	boasted	boast	VERB
ajceb-1884	210	19	a	a	DET
ajceb-1884	210	20	basel	basel	NOUN
ajceb-1884	210	21	-	-	PUNCT
ajceb-1884	210	22	type	type	NOUN
ajceb-1884	210	23	t1	t1	NOUN
ajceb-1884	210	24	capital	capital	NOUN
ajceb-1884	210	25	ratio	ratio	NOUN
ajceb-1884	210	26	of	of	ADP
ajceb-1884	210	27	11	11	NUM
ajceb-1884	210	28	per	per	ADP
ajceb-1884	210	29	cent	cent	NOUN
ajceb-1884	210	30	;	;	PUNCT
ajceb-1884	210	31	significantly	significantly	ADV
ajceb-1884	210	32	above	above	ADP
ajceb-1884	210	33	the	the	DET
ajceb-1884	210	34	regulatory	regulatory	ADJ
ajceb-1884	210	35	minimum	minimum	NOUN
ajceb-1884	210	36	.	.	PUNCT
ajceb-1884	211	1	when	when	SCONJ
ajceb-1884	211	2	the	the	DET
ajceb-1884	211	3	share	share	NOUN
ajceb-1884	211	4	price	price	NOUN
ajceb-1884	211	5	collapsed	collapse	VERB
ajceb-1884	211	6	,	,	PUNCT
ajceb-1884	211	7	counter	counter	ADJ
ajceb-1884	211	8	-	-	NOUN
ajceb-1884	211	9	party	party	NOUN
ajceb-1884	211	10	confidence	confidence	NOUN
ajceb-1884	211	11	ebbed	ebb	VERB
ajceb-1884	211	12	away	away	ADV
ajceb-1884	211	13	much	much	ADV
ajceb-1884	211	14	faster	fast	ADV
ajceb-1884	211	15	than	than	SCONJ
ajceb-1884	211	16	the	the	DET
ajceb-1884	211	17	capital	capital	NOUN
ajceb-1884	211	18	adequacy	adequacy	NOUN
ajceb-1884	211	19	ratio	ratio	NOUN
ajceb-1884	211	20	would	would	AUX
ajceb-1884	211	21	suggest	suggest	VERB
ajceb-1884	211	22	.	.	PUNCT
ajceb-1884	212	1	at	at	ADP
ajceb-1884	212	2	its	its	PRON
ajceb-1884	212	3	12	12	NUM
ajceb-1884	212	4	september	september	PROPN
ajceb-1884	212	5	2010	2010	NUM
ajceb-1884	212	6	meeting	meeting	NOUN
ajceb-1884	212	7	,	,	PUNCT
ajceb-1884	212	8	the	the	DET
ajceb-1884	212	9	group	group	NOUN
ajceb-1884	212	10	of	of	ADP
ajceb-1884	212	11	governors	governor	NOUN
ajceb-1884	212	12	and	and	CCONJ
ajceb-1884	212	13	heads	head	NOUN
ajceb-1884	212	14	of	of	ADP
ajceb-1884	212	15	supervision	supervision	NOUN
ajceb-1884	212	16	,	,	PUNCT
ajceb-1884	212	17	the	the	DET
ajceb-1884	212	18	oversight	oversight	NOUN
ajceb-1884	212	19	body	body	NOUN
ajceb-1884	212	20	of	of	ADP
ajceb-1884	212	21	the	the	DET
ajceb-1884	212	22	basel	basel	PROPN
ajceb-1884	212	23	committee	committee	PROPN
ajceb-1884	212	24	on	on	ADP
ajceb-1884	212	25	banking	banking	NOUN
ajceb-1884	212	26	supervision	supervision	NOUN
ajceb-1884	212	27	,	,	PUNCT
ajceb-1884	212	28	announced	announce	VERB
ajceb-1884	212	29	a	a	DET
ajceb-1884	212	30	substantial	substantial	ADJ
ajceb-1884	212	31	strengthening	strengthening	NOUN
ajceb-1884	212	32	of	of	ADP
ajceb-1884	212	33	existing	exist	VERB
ajceb-1884	212	34	capital	capital	NOUN
ajceb-1884	212	35	requirements	requirement	NOUN
ajceb-1884	212	36	.	.	PUNCT
ajceb-1884	213	1	this	this	DET
ajceb-1884	213	2	proposal	proposal	NOUN
ajceb-1884	213	3	has	have	AUX
ajceb-1884	213	4	been	be	AUX
ajceb-1884	213	5	dubbed	dub	VERB
ajceb-1884	213	6	“	"	PUNCT
ajceb-1884	213	7	basel	basel	PROPN
ajceb-1884	213	8	iii	iii	PROPN
ajceb-1884	213	9	”	"	PUNCT
ajceb-1884	213	10	.	.	PUNCT
ajceb-1884	214	1	according	accord	VERB
ajceb-1884	214	2	to	to	ADP
ajceb-1884	214	3	the	the	DET
ajceb-1884	214	4	basel	basel	PROPN
ajceb-1884	214	5	iii	iii	PROPN
ajceb-1884	214	6	proposal	proposal	NOUN
ajceb-1884	214	7	,	,	PUNCT
ajceb-1884	214	8	the	the	DET
ajceb-1884	214	9	total	total	ADJ
ajceb-1884	214	10	risk	risk	NOUN
ajceb-1884	214	11	capital	capital	NOUN
ajceb-1884	214	12	(	(	PUNCT
ajceb-1884	214	13	trc	trc	PROPN
ajceb-1884	214	14	)	)	PUNCT
ajceb-1884	214	15	can	can	AUX
ajceb-1884	214	16	be	be	AUX
ajceb-1884	214	17	presented	present	VERB
ajceb-1884	214	18	as	as	ADP
ajceb-1884	214	19	:	:	PUNCT
ajceb-1884	214	20	trc	trc	PROPN
ajceb-1884	214	21	=	=	PROPN
ajceb-1884	214	22	t1	t1	PROPN
ajceb-1884	214	23	+	+	NUM
ajceb-1884	214	24	t2	t2	PROPN
ajceb-1884	214	25	+	+	CCONJ
ajceb-1884	214	26	cb	cb	PROPN
ajceb-1884	214	27	+	+	CCONJ
ajceb-1884	214	28	ccb	ccb	PROPN
ajceb-1884	214	29	+	+	CCONJ
ajceb-1884	214	30	csib	csib	NOUN
ajceb-1884	214	31	(	(	PUNCT
ajceb-1884	214	32	14	14	NUM
ajceb-1884	214	33	)	)	PUNCT
ajceb-1884	214	34	where	where	SCONJ
ajceb-1884	214	35	t1	t1	NOUN
ajceb-1884	214	36	represents	represent	VERB
ajceb-1884	214	37	tier	tier	NOUN
ajceb-1884	214	38	1	1	NUM
ajceb-1884	214	39	capital	capital	NOUN
ajceb-1884	214	40	,	,	PUNCT
ajceb-1884	214	41	t2	t2	PROPN
ajceb-1884	214	42	represents	represent	VERB
ajceb-1884	214	43	tier	tier	NOUN
ajceb-1884	214	44	2	2	NUM
ajceb-1884	214	45	capital	capital	NOUN
ajceb-1884	214	46	,	,	PUNCT
ajceb-1884	214	47	cb	cb	PROPN
ajceb-1884	214	48	represents	represent	VERB
ajceb-1884	214	49	capital	capital	NOUN
ajceb-1884	214	50	conservation	conservation	NOUN
ajceb-1884	214	51	buffer	buffer	NOUN
ajceb-1884	214	52	,	,	PUNCT
ajceb-1884	214	53	ccb	ccb	PROPN
ajceb-1884	214	54	represents	represent	VERB
ajceb-1884	214	55	countercyclical	countercyclical	ADJ
ajceb-1884	214	56	capital	capital	NOUN
ajceb-1884	214	57	buffer	buffer	NOUN
ajceb-1884	214	58	,	,	PUNCT
ajceb-1884	214	59	and	and	CCONJ
ajceb-1884	214	60	csib	csib	NOUN
ajceb-1884	214	61	represents	represent	VERB
ajceb-1884	214	62	capital	capital	NOUN
ajceb-1884	214	63	for	for	ADP
ajceb-1884	214	64	systemically	systemically	ADV
ajceb-1884	214	65	important	important	ADJ
ajceb-1884	214	66	banks	bank	NOUN
ajceb-1884	214	67	.	.	PUNCT
ajceb-1884	215	1	on	on	ADP
ajceb-1884	215	2	the	the	DET
ajceb-1884	215	3	other	other	ADJ
ajceb-1884	215	4	hand	hand	NOUN
ajceb-1884	215	5	,	,	PUNCT
ajceb-1884	215	6	the	the	DET
ajceb-1884	215	7	t1	t1	NOUN
ajceb-1884	215	8	is	be	AUX
ajceb-1884	215	9	comprised	comprise	VERB
ajceb-1884	215	10	of	of	ADP
ajceb-1884	215	11	common	common	ADJ
ajceb-1884	215	12	equity	equity	NOUN
ajceb-1884	215	13	(	(	PUNCT
ajceb-1884	215	14	ce	ce	PROPN
ajceb-1884	215	15	)	)	PUNCT
ajceb-1884	215	16	and	and	CCONJ
ajceb-1884	215	17	other	other	ADJ
ajceb-1884	215	18	t1	t1	NOUN
ajceb-1884	215	19	(	(	PUNCT
ajceb-1884	215	20	ot1	ot1	PROPN
ajceb-1884	215	21	)	)	PUNCT
ajceb-1884	215	22	.	.	PUNCT
ajceb-1884	216	1	t1	t1	NOUN
ajceb-1884	216	2	=	=	SYM
ajceb-1884	217	1	ce	ce	PROPN
ajceb-1884	218	1	+	+	PROPN
ajceb-1884	218	2	ot1	ot1	PROPN
ajceb-1884	218	3	(	(	PUNCT
ajceb-1884	218	4	15	15	NUM
ajceb-1884	218	5	)	)	PUNCT
ajceb-1884	218	6	possibly	possibly	ADV
ajceb-1884	218	7	the	the	DET
ajceb-1884	218	8	most	most	ADV
ajceb-1884	218	9	important	important	ADJ
ajceb-1884	218	10	change	change	NOUN
ajceb-1884	218	11	that	that	PRON
ajceb-1884	218	12	comes	come	VERB
ajceb-1884	218	13	with	with	ADP
ajceb-1884	218	14	basel	basel	PROPN
ajceb-1884	218	15	iii	iii	PROPN
ajceb-1884	218	16	is	be	AUX
ajceb-1884	218	17	setting	set	VERB
ajceb-1884	218	18	of	of	ADP
ajceb-1884	218	19	much	much	ADV
ajceb-1884	218	20	stricter	strict	ADJ
ajceb-1884	218	21	minimum	minimum	NOUN
ajceb-1884	218	22	standards	standard	NOUN
ajceb-1884	218	23	for	for	ADP
ajceb-1884	218	24	ce	ce	PROPN
ajceb-1884	218	25	.	.	PUNCT
ajceb-1884	218	26	something	something	PRON
ajceb-1884	218	27	similar	similar	ADJ
ajceb-1884	218	28	did	do	AUX
ajceb-1884	218	29	exist	exist	VERB
ajceb-1884	218	30	in	in	ADP
ajceb-1884	218	31	the	the	DET
ajceb-1884	218	32	past	past	NOUN
ajceb-1884	218	33	,	,	PUNCT
ajceb-1884	218	34	but	but	CCONJ
ajceb-1884	218	35	it	it	PRON
ajceb-1884	218	36	was	be	AUX
ajceb-1884	218	37	set	set	VERB
ajceb-1884	218	38	very	very	ADV
ajceb-1884	218	39	low	low	ADJ
ajceb-1884	218	40	,	,	PUNCT
ajceb-1884	218	41	at	at	ADP
ajceb-1884	218	42	just	just	ADV
ajceb-1884	218	43	2	2	NUM
ajceb-1884	218	44	per	per	ADP
ajceb-1884	218	45	cent	cent	NOUN
ajceb-1884	218	46	.	.	PUNCT
ajceb-1884	219	1	compared	compare	VERB
ajceb-1884	219	2	to	to	ADP
ajceb-1884	219	3	basel	basel	PROPN
ajceb-1884	219	4	i	i	PROPN
ajceb-1884	219	5	and	and	CCONJ
ajceb-1884	219	6	basel	basel	PROPN
ajceb-1884	219	7	ii	ii	PROPN
ajceb-1884	219	8	,	,	PUNCT
ajceb-1884	219	9	according	accord	VERB
ajceb-1884	219	10	to	to	ADP
ajceb-1884	219	11	basel	basel	PROPN
ajceb-1884	219	12	iii	iii	PROPN
ajceb-1884	219	13	,	,	PUNCT
ajceb-1884	219	14	ce	ce	PROPN
ajceb-1884	219	15	is	be	AUX
ajceb-1884	219	16	the	the	DET
ajceb-1884	219	17	main	main	ADJ
ajceb-1884	219	18	thing	thing	NOUN
ajceb-1884	219	19	that	that	PRON
ajceb-1884	219	20	matters	matter	VERB
ajceb-1884	219	21	.	.	PUNCT
ajceb-1884	220	1	furthermore	furthermore	ADV
ajceb-1884	220	2	,	,	PUNCT
ajceb-1884	220	3	various	various	ADJ
ajceb-1884	220	4	dubious	dubious	ADJ
ajceb-1884	220	5	things	thing	NOUN
ajceb-1884	220	6	which	which	PRON
ajceb-1884	220	7	currently	currently	ADV
ajceb-1884	220	8	count	count	VERB
ajceb-1884	220	9	as	as	ADP
ajceb-1884	220	10	t1	t1	NOUN
ajceb-1884	220	11	or	or	CCONJ
ajceb-1884	220	12	t2	t2	NOUN
ajceb-1884	220	13	capital	capital	NOUN
ajceb-1884	220	14	,	,	PUNCT
ajceb-1884	220	15	but	but	CCONJ
ajceb-1884	220	16	should	should	AUX
ajceb-1884	220	17	not	not	PART
ajceb-1884	220	18	,	,	PUNCT
ajceb-1884	220	19	will	will	AUX
ajceb-1884	220	20	be	be	AUX
ajceb-1884	220	21	phased	phase	VERB
ajceb-1884	220	22	out	out	ADP
ajceb-1884	220	23	over	over	ADP
ajceb-1884	220	24	a	a	DET
ajceb-1884	220	25	period	period	NOUN
ajceb-1884	220	26	of	of	ADP
ajceb-1884	220	27	10	10	NUM
ajceb-1884	220	28	years	year	NOUN
ajceb-1884	220	29	,	,	PUNCT
ajceb-1884	220	30	beginning	begin	VERB
ajceb-1884	220	31	in	in	ADP
ajceb-1884	220	32	2013	2013	NUM
ajceb-1884	220	33	.	.	PUNCT
ajceb-1884	221	1	according	accord	VERB
ajceb-1884	221	2	to	to	ADP
ajceb-1884	221	3	the	the	DET
ajceb-1884	221	4	proposal	proposal	NOUN
ajceb-1884	221	5	,	,	PUNCT
ajceb-1884	221	6	the	the	DET
ajceb-1884	221	7	minimum	minimum	ADJ
ajceb-1884	221	8	requirement	requirement	NOUN
ajceb-1884	221	9	for	for	ADP
ajceb-1884	221	10	ce	ce	PROPN
ajceb-1884	221	11	is	be	AUX
ajceb-1884	221	12	4.5	4.5	NUM
ajceb-1884	221	13	per	per	ADP
ajceb-1884	221	14	cent	cent	NOUN
ajceb-1884	221	15	,	,	PUNCT
ajceb-1884	221	16	for	for	ADP
ajceb-1884	221	17	ot1	ot1	PROPN
ajceb-1884	221	18	is	be	AUX
ajceb-1884	221	19	1.5	1.5	NUM
ajceb-1884	221	20	per	per	ADP
ajceb-1884	221	21	cent	cent	NOUN
ajceb-1884	221	22	and	and	CCONJ
ajceb-1884	221	23	for	for	ADP
ajceb-1884	221	24	t2	t2	NOUN
ajceb-1884	221	25	is	be	AUX
ajceb-1884	221	26	2	2	NUM
ajceb-1884	221	27	per	per	ADP
ajceb-1884	221	28	cent	cent	NOUN
ajceb-1884	221	29	.	.	PUNCT
ajceb-1884	222	1	on	on	ADP
ajceb-1884	222	2	the	the	DET
ajceb-1884	222	3	whole	whole	NOUN
ajceb-1884	222	4	,	,	PUNCT
ajceb-1884	222	5	the	the	DET
ajceb-1884	222	6	new	new	ADJ
ajceb-1884	222	7	standards	standard	NOUN
ajceb-1884	222	8	for	for	ADP
ajceb-1884	222	9	ce	ce	PROPN
ajceb-1884	222	10	are	be	AUX
ajceb-1884	222	11	significantly	significantly	ADV
ajceb-1884	222	12	tougher	tough	ADJ
ajceb-1884	222	13	than	than	ADP
ajceb-1884	222	14	the	the	DET
ajceb-1884	222	15	old	old	ADJ
ajceb-1884	222	16	standards	standard	NOUN
ajceb-1884	222	17	for	for	ADP
ajceb-1884	222	18	t1	t1	NOUN
ajceb-1884	222	19	capital	capital	NOUN
ajceb-1884	222	20	in	in	ADP
ajceb-1884	222	21	total	total	NOUN
ajceb-1884	222	22	.	.	PUNCT
ajceb-1884	223	1	in	in	ADP
ajceb-1884	223	2	addition	addition	NOUN
ajceb-1884	223	3	to	to	ADP
ajceb-1884	223	4	strengthening	strengthen	VERB
ajceb-1884	223	5	ce	ce	PROPN
ajceb-1884	223	6	requirements	requirement	NOUN
ajceb-1884	223	7	,	,	PUNCT
ajceb-1884	223	8	there	there	PRON
ajceb-1884	223	9	is	be	VERB
ajceb-1884	223	10	a	a	DET
ajceb-1884	223	11	cb	cb	NOUN
ajceb-1884	223	12	of	of	ADP
ajceb-1884	223	13	another	another	DET
ajceb-1884	223	14	2.5	2.5	NUM
ajceb-1884	223	15	per	per	ADP
ajceb-1884	223	16	cent	cent	NOUN
ajceb-1884	223	17	.	.	PUNCT
ajceb-1884	224	1	most	most	ADJ
ajceb-1884	224	2	,	,	PUNCT
ajceb-1884	224	3	if	if	SCONJ
ajceb-1884	224	4	not	not	PART
ajceb-1884	224	5	all	all	DET
ajceb-1884	224	6	banks	bank	NOUN
ajceb-1884	224	7	,	,	PUNCT
ajceb-1884	224	8	should	should	AUX
ajceb-1884	224	9	strive	strive	VERB
ajceb-1884	224	10	to	to	PART
ajceb-1884	224	11	be	be	AUX
ajceb-1884	224	12	well	well	ADV
ajceb-1884	224	13	above	above	ADP
ajceb-1884	224	14	that	that	DET
ajceb-1884	224	15	buffer	buffer	NOUN
ajceb-1884	224	16	.	.	PUNCT
ajceb-1884	225	1	if	if	SCONJ
ajceb-1884	225	2	there‟s	there‟s	PRON
ajceb-1884	225	3	some	some	DET
ajceb-1884	225	4	kind	kind	NOUN
ajceb-1884	225	5	of	of	ADP
ajceb-1884	225	6	crisis	crisis	NOUN
ajceb-1884	225	7	and	and	CCONJ
ajceb-1884	225	8	banks	bank	NOUN
ajceb-1884	225	9	are	be	AUX
ajceb-1884	225	10	forced	force	VERB
ajceb-1884	225	11	to	to	PART
ajceb-1884	225	12	write	write	VERB
ajceb-1884	225	13	down	down	ADP
ajceb-1884	225	14	a	a	DET
ajceb-1884	225	15	lot	lot	NOUN
ajceb-1884	225	16	of	of	ADP
ajceb-1884	225	17	bad	bad	ADJ
ajceb-1884	225	18	loans	loan	NOUN
ajceb-1884	225	19	,	,	PUNCT
ajceb-1884	225	20	they	they	PRON
ajceb-1884	225	21	can	can	AUX
ajceb-1884	225	22	eat	eat	VERB
ajceb-1884	225	23	into	into	ADP
ajceb-1884	225	24	the	the	DET
ajceb-1884	225	25	buffer	buffer	NOUN
ajceb-1884	225	26	.	.	PUNCT
ajceb-1884	226	1	that	that	PRON
ajceb-1884	226	2	will	will	AUX
ajceb-1884	226	3	bring	bring	VERB
ajceb-1884	226	4	extra	extra	ADJ
ajceb-1884	226	5	regulatory	regulatory	ADJ
ajceb-1884	226	6	oversight	oversight	NOUN
ajceb-1884	226	7	,	,	PUNCT
ajceb-1884	226	8	and	and	CCONJ
ajceb-1884	226	9	those	those	DET
ajceb-1884	226	10	banks	bank	NOUN
ajceb-1884	226	11	won‟t	won‟t	NUM
ajceb-1884	226	12	be	be	VERB
ajceb-1884	226	13	able	able	ADJ
ajceb-1884	226	14	to	to	PART
ajceb-1884	226	15	pay	pay	VERB
ajceb-1884	226	16	dividends	dividend	NOUN
ajceb-1884	226	17	.	.	PUNCT
ajceb-1884	227	1	assuming	assume	VERB
ajceb-1884	227	2	full	full	ADJ
ajceb-1884	227	3	allocation	allocation	NOUN
ajceb-1884	227	4	of	of	ADP
ajceb-1884	227	5	ce	ce	PROPN
ajceb-1884	227	6	,	,	PUNCT
ajceb-1884	227	7	banks	bank	NOUN
ajceb-1884	227	8	will	will	AUX
ajceb-1884	227	9	need	need	VERB
ajceb-1884	227	10	to	to	PART
ajceb-1884	227	11	have	have	VERB
ajceb-1884	227	12	7	7	NUM
ajceb-1884	227	13	per	per	ADP
ajceb-1884	227	14	cent	cent	NOUN
ajceb-1884	227	15	ce	ce	PROPN
ajceb-1884	227	16	,	,	PUNCT
ajceb-1884	227	17	1.5	1.5	NUM
ajceb-1884	227	18	per	per	ADP
ajceb-1884	227	19	cent	cent	NOUN
ajceb-1884	227	20	ot1	ot1	PROPN
ajceb-1884	227	21	,	,	PUNCT
ajceb-1884	227	22	and	and	CCONJ
ajceb-1884	227	23	2	2	NUM
ajceb-1884	227	24	per	per	ADP
ajceb-1884	227	25	cent	cent	NOUN
ajceb-1884	227	26	t2	t2	NOUN
ajceb-1884	227	27	,	,	PUNCT
ajceb-1884	227	28	i.e.	i.e.	X
ajceb-1884	227	29	10.5	10.5	NUM
ajceb-1884	227	30	per	per	ADP
ajceb-1884	227	31	cent	cent	NOUN
ajceb-1884	227	32	trc	trc	NOUN
ajceb-1884	227	33	.	.	PROPN
ajceb-1884	227	34	21	21	NUM
ajceb-1884	227	35	for	for	ADP
ajceb-1884	227	36	more	more	ADJ
ajceb-1884	227	37	see	see	ADJ
ajceb-1884	227	38	imad	imad	NOUN
ajceb-1884	227	39	(	(	PUNCT
ajceb-1884	227	40	2010	2010	NUM
ajceb-1884	227	41	)	)	PUNCT
ajceb-1884	227	42	,	,	PUNCT
ajceb-1884	227	43	and	and	CCONJ
ajceb-1884	227	44	gordy	gordy	PROPN
ajceb-1884	227	45	and	and	CCONJ
ajceb-1884	227	46	howells	howells	PROPN
ajceb-1884	227	47	(	(	PUNCT
ajceb-1884	227	48	2004	2004	NUM
ajceb-1884	227	49	)	)	PUNCT
ajceb-1884	227	50	.	.	PUNCT
ajceb-1884	228	1	22	22	NUM
ajceb-1884	228	2	to	to	PART
ajceb-1884	228	3	see	see	VERB
ajceb-1884	228	4	how	how	SCONJ
ajceb-1884	228	5	it	it	PRON
ajceb-1884	228	6	functioned	function	VERB
ajceb-1884	228	7	in	in	ADP
ajceb-1884	228	8	ireland	ireland	PROPN
ajceb-1884	228	9	see	see	VERB
ajceb-1884	228	10	coates	coates	PROPN
ajceb-1884	228	11	(	(	PUNCT
ajceb-1884	228	12	2008	2008	NUM
ajceb-1884	228	13	)	)	PUNCT
ajceb-1884	228	14	.	.	PUNCT
ajceb-1884	229	1	australasian	australasian	ADJ
ajceb-1884	229	2	journal	journal	NOUN
ajceb-1884	229	3	of	of	ADP
ajceb-1884	229	4	construction	construction	NOUN
ajceb-1884	229	5	economics	economic	NOUN
ajceb-1884	229	6	and	and	CCONJ
ajceb-1884	229	7	building	building	PROPN
ajceb-1884	229	8	karamujic	karamujic	PROPN
ajceb-1884	229	9	,	,	PUNCT
ajceb-1884	229	10	h	h	NOUN
ajceb-1884	229	11	m	m	VERB
ajceb-1884	229	12	(	(	PUNCT
ajceb-1884	229	13	2010	2010	NUM
ajceb-1884	229	14	)	)	PUNCT
ajceb-1884	229	15	‘	'	PUNCT
ajceb-1884	229	16	an	an	DET
ajceb-1884	229	17	investigation	investigation	NOUN
ajceb-1884	229	18	into	into	ADP
ajceb-1884	229	19	the	the	DET
ajceb-1884	229	20	fundamental	fundamental	ADJ
ajceb-1884	229	21	drivers	driver	NOUN
ajceb-1884	229	22	of	of	ADP
ajceb-1884	229	23	pricing	pricing	NOUN
ajceb-1884	229	24	of	of	ADP
ajceb-1884	229	25	residential	residential	ADJ
ajceb-1884	229	26	mortgage	mortgage	NOUN
ajceb-1884	229	27	products	product	NOUN
ajceb-1884	229	28	–	–	PUNCT
ajceb-1884	229	29	a	a	DET
ajceb-1884	229	30	risk	risk	NOUN
ajceb-1884	229	31	pricing	pricing	NOUN
ajceb-1884	229	32	viewpoint	viewpoint	NOUN
ajceb-1884	229	33	’	'	PUNCT
ajceb-1884	229	34	,	,	PUNCT
ajceb-1884	229	35	australasian	australasian	ADJ
ajceb-1884	229	36	journal	journal	NOUN
ajceb-1884	229	37	of	of	ADP
ajceb-1884	229	38	construction	construction	NOUN
ajceb-1884	229	39	economics	economic	NOUN
ajceb-1884	229	40	and	and	CCONJ
ajceb-1884	229	41	building	building	NOUN
ajceb-1884	229	42	,	,	PUNCT
ajceb-1884	229	43	10	10	NUM
ajceb-1884	229	44	(	(	PUNCT
ajceb-1884	229	45	4	4	NUM
ajceb-1884	229	46	)	)	SYM
ajceb-1884	229	47	60	60	NUM
ajceb-1884	229	48	-	-	SYM
ajceb-1884	229	49	72	72	NUM
ajceb-1884	229	50	71	71	NUM
ajceb-1884	229	51	furthermore	furthermore	ADV
ajceb-1884	229	52	,	,	PUNCT
ajceb-1884	229	53	when	when	SCONJ
ajceb-1884	229	54	credit	credit	NOUN
ajceb-1884	229	55	in	in	ADP
ajceb-1884	229	56	an	an	DET
ajceb-1884	229	57	economy	economy	NOUN
ajceb-1884	229	58	is	be	AUX
ajceb-1884	229	59	growing	grow	VERB
ajceb-1884	229	60	faster	fast	ADV
ajceb-1884	229	61	than	than	ADP
ajceb-1884	229	62	the	the	DET
ajceb-1884	229	63	economy	economy	NOUN
ajceb-1884	229	64	itself	itself	PRON
ajceb-1884	229	65	,	,	PUNCT
ajceb-1884	229	66	a	a	DET
ajceb-1884	229	67	ccb	ccb	PROPN
ajceb-1884	229	68	comes	come	VERB
ajceb-1884	229	69	in	in	ADP
ajceb-1884	229	70	play	play	NOUN
ajceb-1884	229	71	.	.	PUNCT
ajceb-1884	230	1	principally	principally	ADV
ajceb-1884	230	2	,	,	PUNCT
ajceb-1884	230	3	ccb	ccb	PROPN
ajceb-1884	230	4	requires	require	VERB
ajceb-1884	230	5	banks	bank	NOUN
ajceb-1884	230	6	to	to	PART
ajceb-1884	230	7	hold	hold	VERB
ajceb-1884	230	8	more	more	ADJ
ajceb-1884	230	9	capital	capital	NOUN
ajceb-1884	230	10	in	in	ADP
ajceb-1884	230	11	good	good	ADJ
ajceb-1884	230	12	times	time	NOUN
ajceb-1884	230	13	.	.	PUNCT
ajceb-1884	231	1	this	this	DET
ajceb-1884	231	2	countercyclical	countercyclical	ADJ
ajceb-1884	231	3	capital	capital	NOUN
ajceb-1884	231	4	framework	framework	NOUN
ajceb-1884	231	5	is	be	AUX
ajceb-1884	231	6	intended	intend	VERB
ajceb-1884	231	7	to	to	PART
ajceb-1884	231	8	contribute	contribute	VERB
ajceb-1884	231	9	to	to	ADP
ajceb-1884	231	10	a	a	DET
ajceb-1884	231	11	more	more	ADV
ajceb-1884	231	12	stable	stable	ADJ
ajceb-1884	231	13	banking	banking	NOUN
ajceb-1884	231	14	system	system	NOUN
ajceb-1884	231	15	,	,	PUNCT
ajceb-1884	231	16	which	which	PRON
ajceb-1884	231	17	will	will	AUX
ajceb-1884	231	18	help	help	VERB
ajceb-1884	231	19	dampen	dampen	VERB
ajceb-1884	231	20	economic	economic	ADJ
ajceb-1884	231	21	and	and	CCONJ
ajceb-1884	231	22	financial	financial	ADJ
ajceb-1884	231	23	shocks	shock	NOUN
ajceb-1884	231	24	.	.	PUNCT
ajceb-1884	232	1	that	that	DET
ajceb-1884	232	2	countercyclical	countercyclical	ADJ
ajceb-1884	232	3	buffer	buffer	NOUN
ajceb-1884	232	4	won‟t	won‟t	PUNCT
ajceb-1884	232	5	be	be	AUX
ajceb-1884	232	6	set	set	VERB
ajceb-1884	232	7	by	by	ADP
ajceb-1884	232	8	the	the	DET
ajceb-1884	232	9	bis	bis	PROPN
ajceb-1884	232	10	;	;	PUNCT
ajceb-1884	232	11	it	it	PRON
ajceb-1884	232	12	will	will	AUX
ajceb-1884	232	13	be	be	AUX
ajceb-1884	232	14	left	leave	VERB
ajceb-1884	232	15	up	up	ADP
ajceb-1884	232	16	to	to	ADP
ajceb-1884	232	17	national	national	ADJ
ajceb-1884	232	18	regulators	regulator	NOUN
ajceb-1884	232	19	.	.	PUNCT
ajceb-1884	233	1	according	accord	VERB
ajceb-1884	233	2	to	to	ADP
ajceb-1884	233	3	preliminary	preliminary	ADJ
ajceb-1884	233	4	comments	comment	NOUN
ajceb-1884	233	5	made	make	VERB
ajceb-1884	233	6	in	in	ADP
ajceb-1884	233	7	media	medium	NOUN
ajceb-1884	233	8	,	,	PUNCT
ajceb-1884	233	9	one	one	PRON
ajceb-1884	233	10	can	can	AUX
ajceb-1884	233	11	probably	probably	ADV
ajceb-1884	233	12	expect	expect	VERB
ajceb-1884	233	13	oecd	oecd	PROPN
ajceb-1884	233	14	countries	country	NOUN
ajceb-1884	233	15	to	to	PART
ajceb-1884	233	16	enforce	enforce	VERB
ajceb-1884	233	17	it	it	PRON
ajceb-1884	233	18	up	up	ADP
ajceb-1884	233	19	to	to	ADP
ajceb-1884	233	20	the	the	DET
ajceb-1884	233	21	maximum	maximum	NOUN
ajceb-1884	233	22	of	of	ADP
ajceb-1884	233	23	2.5	2.5	NUM
ajceb-1884	233	24	per	per	ADP
ajceb-1884	233	25	cent	cent	NOUN
ajceb-1884	233	26	.	.	PUNCT
ajceb-1884	234	1	in	in	ADP
ajceb-1884	234	2	view	view	NOUN
ajceb-1884	234	3	of	of	ADP
ajceb-1884	234	4	that	that	PRON
ajceb-1884	234	5	when	when	SCONJ
ajceb-1884	234	6	the	the	DET
ajceb-1884	234	7	economy‟s	economy‟s	NOUN
ajceb-1884	234	8	is	be	AUX
ajceb-1884	234	9	doing	do	VERB
ajceb-1884	234	10	well	well	ADV
ajceb-1884	234	11	,	,	PUNCT
ajceb-1884	234	12	banks	bank	NOUN
ajceb-1884	234	13	are	be	AUX
ajceb-1884	234	14	going	go	VERB
ajceb-1884	234	15	to	to	PART
ajceb-1884	234	16	need	need	VERB
ajceb-1884	234	17	9.5	9.5	NUM
ajceb-1884	234	18	per	per	ADP
ajceb-1884	234	19	cent	cent	NOUN
ajceb-1884	234	20	ce	ce	PROPN
ajceb-1884	234	21	,	,	PUNCT
ajceb-1884	234	22	1.5	1.5	NUM
ajceb-1884	234	23	per	per	ADP
ajceb-1884	234	24	cent	cent	NOUN
ajceb-1884	234	25	ot1	ot1	PROPN
ajceb-1884	234	26	,	,	PUNCT
ajceb-1884	234	27	and	and	CCONJ
ajceb-1884	234	28	2	2	NUM
ajceb-1884	234	29	per	per	ADP
ajceb-1884	234	30	cent	cent	NOUN
ajceb-1884	234	31	t2	t2	NOUN
ajceb-1884	234	32	,	,	PUNCT
ajceb-1884	234	33	i.e.	i.e.	X
ajceb-1884	234	34	13	13	NUM
ajceb-1884	234	35	per	per	ADP
ajceb-1884	234	36	cent	cent	NOUN
ajceb-1884	234	37	trc	trc	NOUN
ajceb-1884	234	38	.	.	PUNCT
ajceb-1884	235	1	finally	finally	ADV
ajceb-1884	235	2	,	,	PUNCT
ajceb-1884	235	3	according	accord	VERB
ajceb-1884	235	4	to	to	ADP
ajceb-1884	235	5	bis	bis	PROPN
ajceb-1884	235	6	(	(	PUNCT
ajceb-1884	235	7	2010	2010	NUM
ajceb-1884	235	8	)	)	PUNCT
ajceb-1884	235	9	“	"	PUNCT
ajceb-1884	235	10	systemically	systemically	ADV
ajceb-1884	235	11	important	important	ADJ
ajceb-1884	235	12	banks	bank	NOUN
ajceb-1884	235	13	should	should	AUX
ajceb-1884	235	14	have	have	VERB
ajceb-1884	235	15	loss	loss	NOUN
ajceb-1884	235	16	absorbing	absorb	VERB
ajceb-1884	235	17	capacity	capacity	NOUN
ajceb-1884	235	18	beyond	beyond	ADP
ajceb-1884	235	19	the	the	DET
ajceb-1884	235	20	standards	standard	NOUN
ajceb-1884	235	21	announced	announce	VERB
ajceb-1884	235	22	…	…	PUNCT
ajceb-1884	235	23	”	"	PUNCT
ajceb-1884	235	24	.	.	PUNCT
ajceb-1884	236	1	it	it	PRON
ajceb-1884	236	2	still	still	ADV
ajceb-1884	236	3	not	not	PART
ajceb-1884	236	4	know	know	VERB
ajceb-1884	236	5	how	how	SCONJ
ajceb-1884	236	6	high	high	ADJ
ajceb-1884	236	7	csib	csib	NOUN
ajceb-1884	236	8	will	will	AUX
ajceb-1884	236	9	be	be	AUX
ajceb-1884	236	10	,	,	PUNCT
ajceb-1884	236	11	but	but	CCONJ
ajceb-1884	236	12	the	the	DET
ajceb-1884	236	13	chances	chance	NOUN
ajceb-1884	236	14	are	be	AUX
ajceb-1884	236	15	that	that	SCONJ
ajceb-1884	236	16	when	when	SCONJ
ajceb-1884	236	17	an	an	DET
ajceb-1884	236	18	announcement	announcement	NOUN
ajceb-1884	236	19	comes	come	VERB
ajceb-1884	236	20	,	,	PUNCT
ajceb-1884	236	21	the	the	DET
ajceb-1884	236	22	biggest	big	ADJ
ajceb-1884	236	23	banks	bank	NOUN
ajceb-1884	236	24	are	be	AUX
ajceb-1884	236	25	going	go	VERB
ajceb-1884	236	26	to	to	PART
ajceb-1884	236	27	need	need	VERB
ajceb-1884	236	28	significantly	significantly	ADV
ajceb-1884	236	29	more	more	ADJ
ajceb-1884	236	30	capital	capital	NOUN
ajceb-1884	236	31	.	.	PUNCT
ajceb-1884	237	1	work	work	NOUN
ajceb-1884	237	2	continues	continue	VERB
ajceb-1884	237	3	on	on	ADP
ajceb-1884	237	4	this	this	DET
ajceb-1884	237	5	issue	issue	NOUN
ajceb-1884	237	6	in	in	ADP
ajceb-1884	237	7	the	the	DET
ajceb-1884	237	8	bis‟s	bis‟s	NUM
ajceb-1884	237	9	financial	financial	ADJ
ajceb-1884	237	10	stability	stability	NOUN
ajceb-1884	237	11	board	board	NOUN
ajceb-1884	237	12	and	and	CCONJ
ajceb-1884	237	13	relevant	relevant	ADJ
ajceb-1884	237	14	basel	basel	PROPN
ajceb-1884	237	15	committee	committee	PROPN
ajceb-1884	237	16	work	work	VERB
ajceb-1884	237	17	streams	stream	NOUN
ajceb-1884	237	18	.	.	PUNCT
ajceb-1884	238	1	it	it	PRON
ajceb-1884	238	2	is	be	AUX
ajceb-1884	238	3	important	important	ADJ
ajceb-1884	238	4	to	to	PART
ajceb-1884	238	5	note	note	VERB
ajceb-1884	238	6	that	that	SCONJ
ajceb-1884	238	7	the	the	DET
ajceb-1884	238	8	above	above	ADP
ajceb-1884	238	9	outlined	outline	VERB
ajceb-1884	238	10	impacts	impact	NOUN
ajceb-1884	238	11	will	will	AUX
ajceb-1884	238	12	not	not	PART
ajceb-1884	238	13	be	be	AUX
ajceb-1884	238	14	implemented	implement	VERB
ajceb-1884	238	15	immediately	immediately	ADV
ajceb-1884	238	16	,	,	PUNCT
ajceb-1884	238	17	instead	instead	ADV
ajceb-1884	238	18	the	the	DET
ajceb-1884	238	19	standards	standard	NOUN
ajceb-1884	238	20	start	start	VERB
ajceb-1884	238	21	being	be	AUX
ajceb-1884	238	22	phased	phase	VERB
ajceb-1884	238	23	in	in	ADP
ajceb-1884	238	24	on	on	ADP
ajceb-1884	238	25	january	january	PROPN
ajceb-1884	238	26	1	1	NUM
ajceb-1884	238	27	,	,	PUNCT
ajceb-1884	238	28	2013	2013	NUM
ajceb-1884	238	29	,	,	PUNCT
ajceb-1884	238	30	with	with	ADP
ajceb-1884	238	31	a	a	DET
ajceb-1884	238	32	ce	ce	PROPN
ajceb-1884	238	33	requirement	requirement	NOUN
ajceb-1884	238	34	of	of	ADP
ajceb-1884	238	35	3.5	3.5	NUM
ajceb-1884	238	36	per	per	ADP
ajceb-1884	238	37	cent	cent	NOUN
ajceb-1884	238	38	.	.	PUNCT
ajceb-1884	239	1	that	that	PRON
ajceb-1884	239	2	rises	rise	VERB
ajceb-1884	239	3	to	to	ADP
ajceb-1884	239	4	the	the	DET
ajceb-1884	239	5	final	final	ADJ
ajceb-1884	239	6	4.5	4.5	NUM
ajceb-1884	239	7	per	per	ADP
ajceb-1884	239	8	cent	cent	NOUN
ajceb-1884	239	9	in	in	ADP
ajceb-1884	239	10	2015	2015	NUM
ajceb-1884	239	11	.	.	PUNCT
ajceb-1884	240	1	other	other	ADJ
ajceb-1884	240	2	parts	part	NOUN
ajceb-1884	240	3	of	of	ADP
ajceb-1884	240	4	the	the	DET
ajceb-1884	240	5	structure	structure	NOUN
ajceb-1884	240	6	take	take	VERB
ajceb-1884	240	7	longer	long	ADV
ajceb-1884	240	8	,	,	PUNCT
ajceb-1884	240	9	but	but	CCONJ
ajceb-1884	240	10	they‟re	they‟re	PROPN
ajceb-1884	240	11	all	all	PRON
ajceb-1884	240	12	phased	phase	VERB
ajceb-1884	240	13	in	in	ADP
ajceb-1884	240	14	by	by	ADP
ajceb-1884	240	15	january	january	PROPN
ajceb-1884	240	16	1	1	NUM
ajceb-1884	240	17	,	,	PUNCT
ajceb-1884	240	18	2019	2019	NUM
ajceb-1884	240	19	.	.	PUNCT
ajceb-1884	241	1	with	with	ADP
ajceb-1884	241	2	respect	respect	NOUN
ajceb-1884	241	3	to	to	ADP
ajceb-1884	241	4	commenting	comment	VERB
ajceb-1884	241	5	on	on	ADP
ajceb-1884	241	6	the	the	DET
ajceb-1884	241	7	proposal	proposal	NOUN
ajceb-1884	241	8	,	,	PUNCT
ajceb-1884	241	9	at	at	ADP
ajceb-1884	241	10	least	least	ADJ
ajceb-1884	241	11	at	at	ADP
ajceb-1884	241	12	this	this	DET
ajceb-1884	241	13	early	early	ADJ
ajceb-1884	241	14	stage	stage	NOUN
ajceb-1884	241	15	,	,	PUNCT
ajceb-1884	241	16	the	the	DET
ajceb-1884	241	17	following	follow	VERB
ajceb-1884	241	18	statements	statement	NOUN
ajceb-1884	241	19	made	make	VERB
ajceb-1884	241	20	by	by	ADP
ajceb-1884	241	21	the	the	DET
ajceb-1884	241	22	atca	atca	PROPN
ajceb-1884	241	23	(	(	PUNCT
ajceb-1884	241	24	2010	2010	NUM
ajceb-1884	241	25	)	)	PUNCT
ajceb-1884	241	26	make	make	VERB
ajceb-1884	241	27	a	a	DET
ajceb-1884	241	28	lot	lot	NOUN
ajceb-1884	241	29	of	of	ADP
ajceb-1884	241	30	sense	sense	NOUN
ajceb-1884	241	31	“	"	PUNCT
ajceb-1884	241	32	…	…	PUNCT
ajceb-1884	241	33	the	the	DET
ajceb-1884	241	34	fact	fact	NOUN
ajceb-1884	241	35	that	that	SCONJ
ajceb-1884	241	36	the	the	DET
ajceb-1884	241	37	proposals	proposal	NOUN
ajceb-1884	241	38	are	be	AUX
ajceb-1884	241	39	dubbed	dub	VERB
ajceb-1884	241	40	basel	basel	PROPN
ajceb-1884	241	41	iii	iii	PROPN
ajceb-1884	241	42	suggests	suggest	VERB
ajceb-1884	241	43	that	that	SCONJ
ajceb-1884	241	44	regulators	regulator	NOUN
ajceb-1884	241	45	have	have	AUX
ajceb-1884	241	46	been	be	AUX
ajceb-1884	241	47	here	here	ADV
ajceb-1884	241	48	twice	twice	ADV
ajceb-1884	241	49	before	before	ADV
ajceb-1884	241	50	!	!	PUNCT
ajceb-1884	242	1	the	the	DET
ajceb-1884	242	2	record	record	NOUN
ajceb-1884	242	3	of	of	ADP
ajceb-1884	242	4	bankcapital	bankcapital	ADJ
ajceb-1884	242	5	rules	rule	NOUN
ajceb-1884	242	6	is	be	AUX
ajceb-1884	242	7	crushingly	crushingly	ADV
ajceb-1884	242	8	bad	bad	ADJ
ajceb-1884	242	9	in	in	ADP
ajceb-1884	242	10	the	the	DET
ajceb-1884	242	11	wake	wake	NOUN
ajceb-1884	242	12	of	of	ADP
ajceb-1884	242	13	new	new	ADJ
ajceb-1884	242	14	types	type	NOUN
ajceb-1884	242	15	of	of	ADP
ajceb-1884	242	16	securitisation	securitisation	NOUN
ajceb-1884	242	17	instruments	instrument	NOUN
ajceb-1884	242	18	,	,	PUNCT
ajceb-1884	242	19	excessive	excessive	ADJ
ajceb-1884	242	20	risk	risk	NOUN
ajceb-1884	242	21	taking	taking	NOUN
ajceb-1884	242	22	,	,	PUNCT
ajceb-1884	242	23	self	self	NOUN
ajceb-1884	242	24	-	-	PUNCT
ajceb-1884	242	25	measurement	measurement	NOUN
ajceb-1884	242	26	of	of	ADP
ajceb-1884	242	27	risk	risk	NOUN
ajceb-1884	242	28	and	and	CCONJ
ajceb-1884	242	29	financial	financial	ADJ
ajceb-1884	242	30	markets	market	NOUN
ajceb-1884	242	31	'	'	PART
ajceb-1884	242	32	volatility	volatility	NOUN
ajceb-1884	242	33	…	…	PUNCT
ajceb-1884	242	34	in	in	ADP
ajceb-1884	242	35	the	the	DET
ajceb-1884	242	36	days	day	NOUN
ajceb-1884	242	37	when	when	SCONJ
ajceb-1884	242	38	banks	bank	NOUN
ajceb-1884	242	39	could	could	AUX
ajceb-1884	242	40	not	not	PART
ajceb-1884	242	41	rely	rely	VERB
ajceb-1884	242	42	on	on	SCONJ
ajceb-1884	242	43	governments	government	NOUN
ajceb-1884	242	44	to	to	PART
ajceb-1884	242	45	save	save	VERB
ajceb-1884	242	46	them	they	PRON
ajceb-1884	242	47	,	,	PUNCT
ajceb-1884	242	48	they	they	PRON
ajceb-1884	242	49	carried	carry	VERB
ajceb-1884	242	50	huge	huge	ADJ
ajceb-1884	242	51	capital	capital	NOUN
ajceb-1884	242	52	buffers	buffer	NOUN
ajceb-1884	242	53	to	to	PART
ajceb-1884	242	54	protect	protect	VERB
ajceb-1884	242	55	themselves	themselves	PRON
ajceb-1884	242	56	against	against	ADP
ajceb-1884	242	57	losses	loss	NOUN
ajceb-1884	242	58	and	and	CCONJ
ajceb-1884	242	59	drops	drop	NOUN
ajceb-1884	242	60	in	in	ADP
ajceb-1884	242	61	confidence	confidence	NOUN
ajceb-1884	242	62	.	.	PUNCT
ajceb-1884	243	1	in	in	ADP
ajceb-1884	243	2	the	the	DET
ajceb-1884	243	3	late	late	ADJ
ajceb-1884	243	4	19th	19th	ADJ
ajceb-1884	243	5	century	century	NOUN
ajceb-1884	243	6	a	a	DET
ajceb-1884	243	7	typical	typical	ADJ
ajceb-1884	243	8	american	american	ADJ
ajceb-1884	243	9	or	or	CCONJ
ajceb-1884	243	10	european	european	PROPN
ajceb-1884	243	11	bank	bank	PROPN
ajceb-1884	243	12	had	have	VERB
ajceb-1884	243	13	an	an	DET
ajceb-1884	243	14	equity	equity	NOUN
ajceb-1884	243	15	buffer	buffer	NOUN
ajceb-1884	243	16	,	,	PUNCT
ajceb-1884	243	17	i.e.	i.e.	X
ajceb-1884	243	18	core	core	NOUN
ajceb-1884	243	19	capital	capital	NOUN
ajceb-1884	243	20	,	,	PUNCT
ajceb-1884	243	21	equivalent	equivalent	ADJ
ajceb-1884	243	22	to	to	ADP
ajceb-1884	243	23	15	15	NUM
ajceb-1884	243	24	-	-	SYM
ajceb-1884	243	25	25	25	NUM
ajceb-1884	243	26	%	%	NOUN
ajceb-1884	243	27	of	of	ADP
ajceb-1884	243	28	its	its	PRON
ajceb-1884	243	29	assets	asset	NOUN
ajceb-1884	243	30	!	!	PUNCT
ajceb-1884	244	1	as	as	ADV
ajceb-1884	244	2	recently	recently	ADV
ajceb-1884	244	3	as	as	SCONJ
ajceb-1884	244	4	the	the	DET
ajceb-1884	244	5	1960s	1960s	NUM
ajceb-1884	244	6	british	british	ADJ
ajceb-1884	244	7	banks	bank	NOUN
ajceb-1884	244	8	held	hold	VERB
ajceb-1884	244	9	more	more	ADJ
ajceb-1884	244	10	than	than	ADP
ajceb-1884	244	11	a	a	DET
ajceb-1884	244	12	quarter	quarter	NOUN
ajceb-1884	244	13	of	of	ADP
ajceb-1884	244	14	their	their	PRON
ajceb-1884	244	15	assets	asset	NOUN
ajceb-1884	244	16	in	in	ADP
ajceb-1884	244	17	low	low	ADJ
ajceb-1884	244	18	-	-	PUNCT
ajceb-1884	244	19	risk	risk	NOUN
ajceb-1884	244	20	,	,	PUNCT
ajceb-1884	244	21	liquid	liquid	ADJ
ajceb-1884	244	22	form	form	NOUN
ajceb-1884	244	23	,	,	PUNCT
ajceb-1884	244	24	such	such	ADJ
ajceb-1884	244	25	as	as	ADP
ajceb-1884	244	26	cash	cash	NOUN
ajceb-1884	244	27	or	or	CCONJ
ajceb-1884	244	28	government	government	NOUN
ajceb-1884	244	29	bonds	bond	NOUN
ajceb-1884	244	30	.	.	PUNCT
ajceb-1884	245	1	are	be	AUX
ajceb-1884	245	2	we	we	PRON
ajceb-1884	245	3	in	in	ADP
ajceb-1884	245	4	the	the	DET
ajceb-1884	245	5	end	end	NOUN
ajceb-1884	245	6	-if	-if	ADV
ajceb-1884	245	7	not	not	PART
ajceb-1884	245	8	via	via	ADP
ajceb-1884	245	9	basel	basel	PROPN
ajceb-1884	245	10	iii	iii	PROPN
ajceb-1884	245	11	then	then	ADV
ajceb-1884	245	12	basel	basel	PROPN
ajceb-1884	245	13	iv	iv	NUM
ajceb-1884	245	14	-likely	-likely	ADV
ajceb-1884	245	15	to	to	PART
ajceb-1884	245	16	return	return	VERB
ajceb-1884	245	17	to	to	ADP
ajceb-1884	245	18	19th	19th	ADJ
ajceb-1884	245	19	century	century	NOUN
ajceb-1884	245	20	levels	level	NOUN
ajceb-1884	245	21	of	of	ADP
ajceb-1884	245	22	capital	capital	NOUN
ajceb-1884	245	23	adequacy	adequacy	NOUN
ajceb-1884	245	24	?	?	PUNCT
ajceb-1884	246	1	this	this	PRON
ajceb-1884	246	2	would	would	AUX
ajceb-1884	246	3	no	no	ADV
ajceb-1884	246	4	doubt	doubt	ADV
ajceb-1884	246	5	have	have	VERB
ajceb-1884	246	6	significant	significant	ADJ
ajceb-1884	246	7	consequences	consequence	NOUN
ajceb-1884	246	8	for	for	ADP
ajceb-1884	246	9	the	the	DET
ajceb-1884	246	10	valuation	valuation	NOUN
ajceb-1884	246	11	of	of	ADP
ajceb-1884	246	12	banks	bank	NOUN
ajceb-1884	246	13	and	and	CCONJ
ajceb-1884	246	14	the	the	DET
ajceb-1884	246	15	unencumbered	unencumbered	ADJ
ajceb-1884	246	16	survival	survival	NOUN
ajceb-1884	246	17	of	of	ADP
ajceb-1884	246	18	large	large	ADJ
ajceb-1884	246	19	capital	capital	NOUN
ajceb-1884	246	20	financial	financial	ADJ
ajceb-1884	246	21	institutions	institution	NOUN
ajceb-1884	246	22	.	.	PUNCT
ajceb-1884	246	23	”	"	PUNCT
ajceb-1884	247	1	conclusion	conclusion	VERB
ajceb-1884	247	2	the	the	DET
ajceb-1884	247	3	purpose	purpose	NOUN
ajceb-1884	247	4	of	of	ADP
ajceb-1884	247	5	this	this	DET
ajceb-1884	247	6	paper	paper	NOUN
ajceb-1884	247	7	has	have	AUX
ajceb-1884	247	8	been	be	AUX
ajceb-1884	247	9	to	to	PART
ajceb-1884	247	10	expound	expound	VERB
ajceb-1884	247	11	how	how	SCONJ
ajceb-1884	247	12	,	,	PUNCT
ajceb-1884	247	13	in	in	ADP
ajceb-1884	247	14	practice	practice	NOUN
ajceb-1884	247	15	,	,	PUNCT
ajceb-1884	247	16	lenders	lender	NOUN
ajceb-1884	247	17	price	price	VERB
ajceb-1884	247	18	their	their	PRON
ajceb-1884	247	19	home	home	NOUN
ajceb-1884	247	20	loans	loan	NOUN
ajceb-1884	247	21	,	,	PUNCT
ajceb-1884	247	22	i.e.	i.e.	X
ajceb-1884	247	23	how	how	SCONJ
ajceb-1884	247	24	they	they	PRON
ajceb-1884	247	25	determine	determine	VERB
ajceb-1884	247	26	their	their	PRON
ajceb-1884	247	27	home	home	NOUN
ajceb-1884	247	28	loan	loan	NOUN
ajceb-1884	247	29	interest	interest	NOUN
ajceb-1884	247	30	rates	rate	NOUN
ajceb-1884	247	31	.	.	PUNCT
ajceb-1884	248	1	the	the	DET
ajceb-1884	248	2	paper	paper	NOUN
ajceb-1884	248	3	started	start	VERB
ajceb-1884	248	4	by	by	ADP
ajceb-1884	248	5	outlining	outline	VERB
ajceb-1884	248	6	the	the	DET
ajceb-1884	248	7	importance	importance	NOUN
ajceb-1884	248	8	of	of	ADP
ajceb-1884	248	9	home	home	NOUN
ajceb-1884	248	10	loan	loan	NOUN
ajceb-1884	248	11	pricing	pricing	NOUN
ajceb-1884	248	12	,	,	PUNCT
ajceb-1884	248	13	its	its	PRON
ajceb-1884	248	14	major	major	ADJ
ajceb-1884	248	15	components	component	NOUN
ajceb-1884	248	16	and	and	CCONJ
ajceb-1884	248	17	objectives	objective	NOUN
ajceb-1884	248	18	.	.	PUNCT
ajceb-1884	249	1	the	the	DET
ajceb-1884	249	2	cost	cost	NOUN
ajceb-1884	249	3	plus	plus	CCONJ
ajceb-1884	249	4	pricing	pricing	NOUN
ajceb-1884	249	5	technique	technique	NOUN
ajceb-1884	249	6	was	be	AUX
ajceb-1884	249	7	then	then	ADV
ajceb-1884	249	8	examined	examine	VERB
ajceb-1884	249	9	.	.	PUNCT
ajceb-1884	250	1	particular	particular	ADJ
ajceb-1884	250	2	attention	attention	NOUN
ajceb-1884	250	3	was	be	AUX
ajceb-1884	250	4	given	give	VERB
ajceb-1884	250	5	to	to	ADP
ajceb-1884	250	6	the	the	DET
ajceb-1884	250	7	cost	cost	NOUN
ajceb-1884	250	8	plus	plus	CCONJ
ajceb-1884	250	9	pricing	pricing	NOUN
ajceb-1884	250	10	technique	technique	NOUN
ajceb-1884	250	11	because	because	SCONJ
ajceb-1884	250	12	it	it	PRON
ajceb-1884	250	13	is	be	AUX
ajceb-1884	250	14	the	the	DET
ajceb-1884	250	15	basis	basis	NOUN
ajceb-1884	250	16	for	for	ADP
ajceb-1884	250	17	all	all	DET
ajceb-1884	250	18	other	other	ADJ
ajceb-1884	250	19	pricing	pricing	NOUN
ajceb-1884	250	20	techniques	technique	NOUN
ajceb-1884	250	21	i.e.	i.e.	X
ajceb-1884	250	22	all	all	DET
ajceb-1884	250	23	other	other	ADJ
ajceb-1884	250	24	pricing	pricing	NOUN
ajceb-1884	250	25	techniques	technique	NOUN
ajceb-1884	250	26	only	only	ADV
ajceb-1884	250	27	focus	focus	VERB
ajceb-1884	250	28	on	on	ADP
ajceb-1884	250	29	different	different	ADJ
ajceb-1884	250	30	margin	margin	NOUN
ajceb-1884	250	31	(	(	PUNCT
ajceb-1884	250	32	mark	mark	NOUN
ajceb-1884	250	33	-	-	PUNCT
ajceb-1884	250	34	up	up	NOUN
ajceb-1884	250	35	)	)	PUNCT
ajceb-1884	250	36	combinations	combination	NOUN
ajceb-1884	250	37	.	.	PUNCT
ajceb-1884	251	1	having	having	AUX
ajceb-1884	251	2	gone	go	VERB
ajceb-1884	251	3	through	through	ADP
ajceb-1884	251	4	a	a	DET
ajceb-1884	251	5	rather	rather	ADV
ajceb-1884	251	6	detailed	detailed	ADJ
ajceb-1884	251	7	discussion	discussion	NOUN
ajceb-1884	251	8	of	of	ADP
ajceb-1884	251	9	how	how	SCONJ
ajceb-1884	251	10	contemporary	contemporary	ADJ
ajceb-1884	251	11	lenders	lender	NOUN
ajceb-1884	251	12	identify	identify	VERB
ajceb-1884	251	13	and	and	CCONJ
ajceb-1884	251	14	quantify	quantify	ADJ
ajceb-1884	251	15	risks	risk	NOUN
ajceb-1884	251	16	,	,	PUNCT
ajceb-1884	251	17	the	the	DET
ajceb-1884	251	18	inevitable	inevitable	ADJ
ajceb-1884	251	19	conclusion	conclusion	NOUN
ajceb-1884	251	20	is	be	AUX
ajceb-1884	251	21	that	that	SCONJ
ajceb-1884	251	22	a	a	DET
ajceb-1884	251	23	lot	lot	NOUN
ajceb-1884	251	24	that	that	PRON
ajceb-1884	251	25	has	have	AUX
ajceb-1884	251	26	been	be	AUX
ajceb-1884	251	27	outlined	outline	VERB
ajceb-1884	251	28	,	,	PUNCT
ajceb-1884	251	29	with	with	ADP
ajceb-1884	251	30	some	some	DET
ajceb-1884	251	31	modifications	modification	NOUN
ajceb-1884	251	32	,	,	PUNCT
ajceb-1884	251	33	can	can	AUX
ajceb-1884	251	34	also	also	ADV
ajceb-1884	251	35	be	be	AUX
ajceb-1884	251	36	used	use	VERB
ajceb-1884	251	37	to	to	PART
ajceb-1884	251	38	enhance	enhance	VERB
ajceb-1884	251	39	the	the	DET
ajceb-1884	251	40	ways	way	NOUN
ajceb-1884	251	41	other	other	ADJ
ajceb-1884	251	42	disciplines	discipline	NOUN
ajceb-1884	251	43	,	,	PUNCT
ajceb-1884	251	44	such	such	ADJ
ajceb-1884	251	45	as	as	ADP
ajceb-1884	251	46	construction	construction	NOUN
ajceb-1884	251	47	and	and	CCONJ
ajceb-1884	251	48	property	property	NOUN
ajceb-1884	251	49	,	,	PUNCT
ajceb-1884	251	50	assess	assess	NOUN
ajceb-1884	251	51	,	,	PUNCT
ajceb-1884	251	52	quantify	quantify	ADJ
ajceb-1884	251	53	and	and	CCONJ
ajceb-1884	251	54	price	price	VERB
ajceb-1884	251	55	their	their	PRON
ajceb-1884	251	56	risks	risk	NOUN
ajceb-1884	251	57	.	.	PUNCT
ajceb-1884	252	1	due	due	ADP
ajceb-1884	252	2	to	to	ADP
ajceb-1884	252	3	a	a	DET
ajceb-1884	252	4	number	number	NOUN
ajceb-1884	252	5	of	of	ADP
ajceb-1884	252	6	references	reference	NOUN
ajceb-1884	252	7	made	make	VERB
ajceb-1884	252	8	to	to	ADP
ajceb-1884	252	9	it	it	PRON
ajceb-1884	252	10	while	while	SCONJ
ajceb-1884	252	11	discussing	discuss	VERB
ajceb-1884	252	12	llp	llp	PROPN
ajceb-1884	252	13	,	,	PUNCT
ajceb-1884	252	14	the	the	DET
ajceb-1884	252	15	paper	paper	NOUN
ajceb-1884	252	16	provided	provide	VERB
ajceb-1884	252	17	an	an	DET
ajceb-1884	252	18	overview	overview	NOUN
ajceb-1884	252	19	of	of	ADP
ajceb-1884	252	20	basel	basel	PROPN
ajceb-1884	252	21	capital	capital	PROPN
ajceb-1884	252	22	accords	accord	NOUN
ajceb-1884	252	23	.	.	PUNCT
ajceb-1884	253	1	given	give	VERB
ajceb-1884	253	2	the	the	DET
ajceb-1884	253	3	debates	debate	NOUN
ajceb-1884	253	4	about	about	ADP
ajceb-1884	253	5	the	the	DET
ajceb-1884	253	6	housing	housing	NOUN
ajceb-1884	253	7	market	market	NOUN
ajceb-1884	253	8	that	that	PRON
ajceb-1884	253	9	have	have	AUX
ajceb-1884	253	10	been	be	AUX
ajceb-1884	253	11	raging	rage	VERB
ajceb-1884	253	12	since	since	SCONJ
ajceb-1884	253	13	the	the	DET
ajceb-1884	253	14	gfc	gfc	NOUN
ajceb-1884	253	15	,	,	PUNCT
ajceb-1884	253	16	the	the	DET
ajceb-1884	253	17	eventual	eventual	ADJ
ajceb-1884	253	18	impacts	impact	NOUN
ajceb-1884	253	19	of	of	ADP
ajceb-1884	253	20	the	the	DET
ajceb-1884	253	21	proposed	propose	VERB
ajceb-1884	253	22	basel	basel	PROPN
ajceb-1884	253	23	iii	iii	PROPN
ajceb-1884	253	24	,	,	PUNCT
ajceb-1884	253	25	as	as	SCONJ
ajceb-1884	253	26	the	the	DET
ajceb-1884	253	27	newly	newly	ADV
ajceb-1884	253	28	proposed	propose	VERB
ajceb-1884	253	29	measures	measure	NOUN
ajceb-1884	253	30	are	be	AUX
ajceb-1884	253	31	phased	phase	VERB
ajceb-1884	253	32	in	in	ADP
ajceb-1884	253	33	,	,	PUNCT
ajceb-1884	253	34	will	will	AUX
ajceb-1884	253	35	be	be	AUX
ajceb-1884	253	36	very	very	ADV
ajceb-1884	253	37	closely	closely	ADV
ajceb-1884	253	38	monitored	monitor	VERB
ajceb-1884	253	39	.	.	PUNCT
ajceb-1884	254	1	after	after	SCONJ
ajceb-1884	254	2	more	more	ADJ
ajceb-1884	254	3	information	information	NOUN
ajceb-1884	254	4	becomes	become	VERB
ajceb-1884	254	5	available	available	ADJ
ajceb-1884	254	6	,	,	PUNCT
ajceb-1884	254	7	an	an	DET
ajceb-1884	254	8	interesting	interesting	ADJ
ajceb-1884	254	9	possibility	possibility	NOUN
ajceb-1884	254	10	for	for	ADP
ajceb-1884	254	11	further	further	ADJ
ajceb-1884	254	12	research	research	NOUN
ajceb-1884	254	13	would	would	AUX
ajceb-1884	254	14	be	be	AUX
ajceb-1884	254	15	to	to	PART
ajceb-1884	254	16	assess	assess	VERB
ajceb-1884	254	17	the	the	DET
ajceb-1884	254	18	impact	impact	NOUN
ajceb-1884	254	19	of	of	ADP
ajceb-1884	254	20	the	the	DET
ajceb-1884	254	21	implementation	implementation	NOUN
ajceb-1884	254	22	of	of	ADP
ajceb-1884	254	23	basel	basel	PROPN
ajceb-1884	254	24	iii	iii	PROPN
ajceb-1884	254	25	on	on	ADP
ajceb-1884	254	26	llp	llp	PROPN
ajceb-1884	254	27	costs	cost	NOUN
ajceb-1884	254	28	and	and	CCONJ
ajceb-1884	254	29	home	home	NOUN
ajceb-1884	254	30	loan	loan	NOUN
ajceb-1884	254	31	interest	interest	NOUN
ajceb-1884	254	32	rates	rate	NOUN
ajceb-1884	254	33	.	.	PUNCT
ajceb-1884	255	1	overall	overall	ADV
ajceb-1884	255	2	,	,	PUNCT
ajceb-1884	255	3	the	the	DET
ajceb-1884	255	4	author	author	NOUN
ajceb-1884	255	5	hopes	hope	VERB
ajceb-1884	255	6	that	that	SCONJ
ajceb-1884	255	7	the	the	DET
ajceb-1884	255	8	paper	paper	NOUN
ajceb-1884	255	9	will	will	AUX
ajceb-1884	255	10	help	help	VERB
ajceb-1884	255	11	demystify	demystify	VERB
ajceb-1884	255	12	the	the	DET
ajceb-1884	255	13	underlying	underlie	VERB
ajceb-1884	255	14	elements	element	NOUN
ajceb-1884	255	15	of	of	ADP
ajceb-1884	255	16	the	the	DET
ajceb-1884	255	17	pricing	pricing	NOUN
ajceb-1884	255	18	calculations	calculation	NOUN
ajceb-1884	255	19	(	(	PUNCT
ajceb-1884	255	20	such	such	ADJ
ajceb-1884	255	21	as	as	ADP
ajceb-1884	255	22	cofs	cof	NOUN
ajceb-1884	255	23	and	and	CCONJ
ajceb-1884	255	24	llps	llp	NOUN
ajceb-1884	255	25	)	)	PUNCT
ajceb-1884	255	26	and	and	CCONJ
ajceb-1884	255	27	the	the	DET
ajceb-1884	255	28	ways	way	NOUN
ajceb-1884	255	29	in	in	ADP
ajceb-1884	255	30	which	which	PRON
ajceb-1884	255	31	these	these	DET
ajceb-1884	255	32	elements	element	NOUN
ajceb-1884	255	33	relate	relate	VERB
ajceb-1884	255	34	to	to	ADP
ajceb-1884	255	35	each	each	DET
ajceb-1884	255	36	other	other	ADJ
ajceb-1884	255	37	.	.	PUNCT
ajceb-1884	256	1	consequently	consequently	ADV
ajceb-1884	256	2	,	,	PUNCT
ajceb-1884	256	3	the	the	DET
ajceb-1884	256	4	paper	paper	NOUN
ajceb-1884	256	5	should	should	AUX
ajceb-1884	256	6	also	also	ADV
ajceb-1884	256	7	contribute	contribute	VERB
ajceb-1884	256	8	towards	towards	ADP
ajceb-1884	256	9	better	well	ADJ
ajceb-1884	256	10	understanding	understanding	NOUN
ajceb-1884	256	11	of	of	ADP
ajceb-1884	256	12	the	the	DET
ajceb-1884	256	13	likelihood	likelihood	NOUN
ajceb-1884	256	14	and	and	CCONJ
ajceb-1884	256	15	probability	probability	NOUN
ajceb-1884	256	16	of	of	ADP
ajceb-1884	256	17	future	future	ADJ
ajceb-1884	256	18	changes	change	NOUN
ajceb-1884	256	19	in	in	ADP
ajceb-1884	256	20	home	home	NOUN
ajceb-1884	256	21	loan	loan	NOUN
ajceb-1884	256	22	interest	interest	NOUN
ajceb-1884	256	23	rates	rate	NOUN
ajceb-1884	256	24	.	.	PUNCT
ajceb-1884	257	1	australasian	australasian	ADJ
ajceb-1884	257	2	journal	journal	NOUN
ajceb-1884	257	3	of	of	ADP
ajceb-1884	257	4	construction	construction	NOUN
ajceb-1884	257	5	economics	economic	NOUN
ajceb-1884	257	6	and	and	CCONJ
ajceb-1884	257	7	building	building	PROPN
ajceb-1884	257	8	karamujic	karamujic	PROPN
ajceb-1884	257	9	,	,	PUNCT
ajceb-1884	257	10	h	h	NOUN
ajceb-1884	257	11	m	m	VERB
ajceb-1884	257	12	(	(	PUNCT
ajceb-1884	257	13	2010	2010	NUM
ajceb-1884	257	14	)	)	PUNCT
ajceb-1884	257	15	‘	'	PUNCT
ajceb-1884	257	16	an	an	DET
ajceb-1884	257	17	investigation	investigation	NOUN
ajceb-1884	257	18	into	into	ADP
ajceb-1884	257	19	the	the	DET
ajceb-1884	257	20	fundamental	fundamental	ADJ
ajceb-1884	257	21	drivers	driver	NOUN
ajceb-1884	257	22	of	of	ADP
ajceb-1884	257	23	pricing	pricing	NOUN
ajceb-1884	257	24	of	of	ADP
ajceb-1884	257	25	residential	residential	ADJ
ajceb-1884	257	26	mortgage	mortgage	NOUN
ajceb-1884	257	27	products	product	NOUN
ajceb-1884	257	28	–	–	PUNCT
ajceb-1884	257	29	a	a	DET
ajceb-1884	257	30	risk	risk	NOUN
ajceb-1884	257	31	pricing	pricing	NOUN
ajceb-1884	257	32	viewpoint	viewpoint	NOUN
ajceb-1884	257	33	’	'	PUNCT
ajceb-1884	257	34	,	,	PUNCT
ajceb-1884	257	35	australasian	australasian	ADJ
ajceb-1884	257	36	journal	journal	NOUN
ajceb-1884	257	37	of	of	ADP
ajceb-1884	257	38	construction	construction	NOUN
ajceb-1884	257	39	economics	economic	NOUN
ajceb-1884	257	40	and	and	CCONJ
ajceb-1884	257	41	building	building	NOUN
ajceb-1884	257	42	,	,	PUNCT
ajceb-1884	257	43	10	10	NUM
ajceb-1884	257	44	(	(	PUNCT
ajceb-1884	257	45	4	4	NUM
ajceb-1884	257	46	)	)	SYM
ajceb-1884	257	47	60	60	NUM
ajceb-1884	257	48	-	-	SYM
ajceb-1884	257	49	72	72	NUM
ajceb-1884	257	50	72	72	NUM
ajceb-1884	257	51	references	reference	NOUN
ajceb-1884	257	52	apra	apra	ADV
ajceb-1884	257	53	(	(	PUNCT
ajceb-1884	257	54	2010	2010	NUM
ajceb-1884	257	55	)	)	PUNCT
ajceb-1884	257	56	prudential	prudential	ADJ
ajceb-1884	257	57	standards	standard	NOUN
ajceb-1884	257	58	and	and	CCONJ
ajceb-1884	257	59	guidance	guidance	NOUN
ajceb-1884	257	60	notes	note	NOUN
ajceb-1884	257	61	for	for	ADP
ajceb-1884	257	62	adis	adis	PROPN
ajceb-1884	257	63	,	,	PUNCT
ajceb-1884	257	64	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	PROPN
ajceb-1884	257	65	,	,	PUNCT
ajceb-1884	257	66	viewed	view	VERB
ajceb-1884	257	67	january	january	PROPN
ajceb-1884	257	68	2010	2010	NUM
ajceb-1884	257	69	apra	apra	NOUN
ajceb-1884	257	70	(	(	PUNCT
ajceb-1884	257	71	2010a	2010a	NUM
ajceb-1884	257	72	)	)	PUNCT
ajceb-1884	257	73	prudential	prudential	PROPN
ajceb-1884	257	74	standard	standard	PROPN
ajceb-1884	257	75	aps	aps	PROPN
ajceb-1884	257	76	113	113	NUM
ajceb-1884	257	77	,	,	PUNCT
ajceb-1884	257	78	http://www.apra.gov.au/adi/prudentialstandards-and-guidance-notes-forhttp://www.apra.gov.au/policy/upload/draft-aps-1132006.pdf	http://www.apra.gov.au/adi/prudentialstandards-and-guidance-notes-forhttp://www.apra.gov.au/policy/upload/draft-aps-1132006.pdf	NOUN
ajceb-1884	257	79	,	,	PUNCT
ajceb-1884	257	80	viewed	view	VERB
ajceb-1884	257	81	january	january	PROPN
ajceb-1884	257	82	2010	2010	NUM
ajceb-1884	257	83	apra	apra	X
ajceb-1884	257	84	(	(	PUNCT
ajceb-1884	257	85	2010b	2010b	NOUN
ajceb-1884	257	86	)	)	PUNCT
ajceb-1884	257	87	quarterly	quarterly	ADJ
ajceb-1884	257	88	bank	bank	NOUN
ajceb-1884	257	89	performance	performance	NOUN
ajceb-1884	257	90	,	,	PUNCT
ajceb-1884	257	91	september	september	PROPN
ajceb-1884	257	92	2009	2009	NUM
ajceb-1884	257	93	(	(	PUNCT
ajceb-1884	257	94	revised	revise	VERB
ajceb-1884	257	95	26	26	NUM
ajceb-1884	257	96	march	march	NOUN
ajceb-1884	257	97	2010	2010	NUM
ajceb-1884	257	98	)	)	PUNCT
ajceb-1884	257	99	,	,	PUNCT
ajceb-1884	257	100	http://www.apra.gov.au/statistics/adi-quarterly-performance-statistics.cfm	http://www.apra.gov.au/statistics/adi-quarterly-performance-statistics.cfm	PROPN
ajceb-1884	257	101	,	,	PUNCT
ajceb-1884	257	102	viewed	view	VERB
ajceb-1884	257	103	may	may	PROPN
ajceb-1884	257	104	2010	2010	NUM
ajceb-1884	257	105	atca	atca	NOUN
ajceb-1884	257	106	(	(	PUNCT
ajceb-1884	257	107	2010	2010	NUM
ajceb-1884	257	108	)	)	PUNCT
ajceb-1884	257	109	basel	basel	PROPN
ajceb-1884	257	110	iii	iii	PROPN
ajceb-1884	257	111	:	:	PUNCT
ajceb-1884	257	112	making	make	VERB
ajceb-1884	257	113	banks	bank	NOUN
ajceb-1884	257	114	stronger	strong	ADJ
ajceb-1884	257	115	or	or	CCONJ
ajceb-1884	257	116	not	not	PART
ajceb-1884	257	117	?	?	PUNCT
ajceb-1884	258	1	http://www.mi2g.com/	http://www.mi2g.com/	PROPN
ajceb-1884	258	2	cgi	cgi	PROPN
ajceb-1884	258	3	/	/	SYM
ajceb-1884	258	4	mi2g	mi2g	PROPN
ajceb-1884	258	5	/	/	SYM
ajceb-1884	258	6	frameset.php?pageid	frameset.php?pageid	NOUN
ajceb-1884	258	7	=	=	SYM
ajceb-1884	258	8	http%3a//www.mi2g.com	http%3a//www.mi2g.com	PROPN
ajceb-1884	258	9	/	/	SYM
ajceb-1884	258	10	cgi	cgi	NOUN
ajceb-1884	258	11	/	/	SYM
ajceb-1884	258	12	mi2g	mi2g	PROPN
ajceb-1884	258	13	/	/	SYM
ajceb-1884	258	14	press/250110.php	press/250110.php	PROPN
ajceb-1884	258	15	,	,	PUNCT
ajceb-1884	258	16	viewed	view	VERB
ajceb-1884	258	17	september	september	PROPN
ajceb-1884	258	18	2010	2010	NUM
ajceb-1884	258	19	bis	bis	NOUN
ajceb-1884	258	20	(	(	PUNCT
ajceb-1884	258	21	1988	1988	NUM
ajceb-1884	258	22	)	)	PUNCT
ajceb-1884	259	1	basel	basel	PROPN
ajceb-1884	259	2	i	i	PROPN
ajceb-1884	259	3	(	(	PUNCT
ajceb-1884	259	4	1988	1988	NUM
ajceb-1884	259	5	)	)	PUNCT
ajceb-1884	259	6	basel	basel	PROPN
ajceb-1884	259	7	committee	committee	PROPN
ajceb-1884	259	8	:	:	PUNCT
ajceb-1884	259	9	international	international	ADJ
ajceb-1884	259	10	convergence	convergence	NOUN
ajceb-1884	259	11	of	of	ADP
ajceb-1884	259	12	capital	capital	NOUN
ajceb-1884	259	13	measurement	measurement	NOUN
ajceb-1884	259	14	and	and	CCONJ
ajceb-1884	259	15	capital	capital	NOUN
ajceb-1884	259	16	standards	standard	NOUN
ajceb-1884	259	17	(	(	PUNCT
ajceb-1884	259	18	updated	update	VERB
ajceb-1884	259	19	to	to	ADP
ajceb-1884	259	20	april	april	PROPN
ajceb-1884	259	21	1998	1998	NUM
ajceb-1884	259	22	)	)	PUNCT
ajceb-1884	259	23	,	,	PUNCT
ajceb-1884	259	24	http://www.bis.org/publ/bcbsc111.htm	http://www.bis.org/publ/bcbsc111.htm	X
ajceb-1884	259	25	,	,	PUNCT
ajceb-1884	259	26	viewed	view	VERB
ajceb-1884	259	27	january	january	PROPN
ajceb-1884	259	28	2010	2010	NUM
ajceb-1884	259	29	bis	bis	ADJ
ajceb-1884	259	30	(	(	PUNCT
ajceb-1884	259	31	2006	2006	NUM
ajceb-1884	259	32	)	)	PUNCT
ajceb-1884	259	33	basel	basel	PROPN
ajceb-1884	259	34	ii	ii	PROPN
ajceb-1884	259	35	:	:	PUNCT
ajceb-1884	259	36	revised	revise	VERB
ajceb-1884	259	37	international	international	ADJ
ajceb-1884	259	38	capital	capital	NOUN
ajceb-1884	259	39	framework	framework	NOUN
ajceb-1884	259	40	,	,	PUNCT
ajceb-1884	259	41	http://www.bis.org/publ/bcbsca.htm	http://www.bis.org/publ/bcbsca.htm	PROPN
ajceb-1884	259	42	,	,	PUNCT
ajceb-1884	259	43	viewed	view	VERB
ajceb-1884	259	44	february	february	PROPN
ajceb-1884	259	45	2010	2010	NUM
ajceb-1884	259	46	bis	bis	NOUN
ajceb-1884	259	47	(	(	PUNCT
ajceb-1884	259	48	2010	2010	NUM
ajceb-1884	259	49	)	)	PUNCT
ajceb-1884	259	50	press	press	NOUN
ajceb-1884	259	51	release	release	NOUN
ajceb-1884	259	52	group	group	NOUN
ajceb-1884	259	53	of	of	ADP
ajceb-1884	259	54	governors	governor	NOUN
ajceb-1884	259	55	and	and	CCONJ
ajceb-1884	259	56	heads	head	NOUN
ajceb-1884	259	57	of	of	ADP
ajceb-1884	259	58	supervision	supervision	NOUN
ajceb-1884	259	59	announces	announce	VERB
ajceb-1884	259	60	higher	high	ADJ
ajceb-1884	259	61	global	global	ADJ
ajceb-1884	259	62	minimum	minimum	ADJ
ajceb-1884	259	63	capital	capital	NOUN
ajceb-1884	259	64	standards	standard	NOUN
ajceb-1884	259	65	,	,	PUNCT
ajceb-1884	259	66	http://www.bis.org/press/p100912.htm	http://www.bis.org/press/p100912.htm	VERB
ajceb-1884	259	67	,	,	PUNCT
ajceb-1884	259	68	viewed	view	VERB
ajceb-1884	259	69	september	september	PROPN
ajceb-1884	259	70	2010	2010	NUM
ajceb-1884	259	71	business	business	NOUN
ajceb-1884	259	72	banking	banking	NOUN
ajceb-1884	259	73	board	board	NOUN
ajceb-1884	259	74	(	(	PUNCT
ajceb-1884	259	75	2002	2002	NUM
ajceb-1884	259	76	)	)	PUNCT
ajceb-1884	259	77	pricing	pricing	NOUN
ajceb-1884	259	78	strategies	strategy	NOUN
ajceb-1884	259	79	,	,	PUNCT
ajceb-1884	259	80	corporate	corporate	ADJ
ajceb-1884	259	81	executive	executive	NOUN
ajceb-1884	259	82	board	board	NOUN
ajceb-1884	259	83	,	,	PUNCT
ajceb-1884	259	84	july	july	PROPN
ajceb-1884	259	85	coates	coates	PROPN
ajceb-1884	259	86	,	,	PUNCT
ajceb-1884	259	87	d.	d.	PROPN
ajceb-1884	259	88	(	(	PUNCT
ajceb-1884	259	89	2008	2008	NUM
ajceb-1884	259	90	)	)	PUNCT
ajceb-1884	259	91	the	the	DET
ajceb-1884	259	92	irish	irish	ADJ
ajceb-1884	259	93	sub	sub	ADJ
ajceb-1884	259	94	-	-	ADJ
ajceb-1884	259	95	prime	prime	ADJ
ajceb-1884	259	96	residential	residential	ADJ
ajceb-1884	259	97	mortgage	mortgage	NOUN
ajceb-1884	259	98	sector	sector	NOUN
ajceb-1884	259	99	:	:	PUNCT
ajceb-1884	259	100	international	international	ADJ
ajceb-1884	259	101	lessons	lesson	NOUN
ajceb-1884	259	102	for	for	ADP
ajceb-1884	259	103	an	an	DET
ajceb-1884	259	104	emerging	emerge	VERB
ajceb-1884	259	105	market	market	NOUN
ajceb-1884	259	106	,	,	PUNCT
ajceb-1884	259	107	journal	journal	NOUN
ajceb-1884	259	108	of	of	ADP
ajceb-1884	259	109	housing	housing	NOUN
ajceb-1884	259	110	and	and	CCONJ
ajceb-1884	259	111	the	the	DET
ajceb-1884	259	112	built	build	VERB
ajceb-1884	259	113	environment	environment	NOUN
ajceb-1884	259	114	,	,	PUNCT
ajceb-1884	259	115	23	23	NUM
ajceb-1884	259	116	,	,	PUNCT
ajceb-1884	259	117	131–144	131–144	NUM
ajceb-1884	259	118	council	council	NOUN
ajceb-1884	259	119	on	on	ADP
ajceb-1884	259	120	financial	financial	ADJ
ajceb-1884	259	121	competition	competition	NOUN
ajceb-1884	259	122	(	(	PUNCT
ajceb-1884	259	123	1997	1997	NUM
ajceb-1884	259	124	)	)	PUNCT
ajceb-1884	259	125	beyond	beyond	ADP
ajceb-1884	259	126	commodity	commodity	NOUN
ajceb-1884	259	127	status	status	NOUN
ajceb-1884	259	128	,	,	PUNCT
ajceb-1884	259	129	corporate	corporate	ADJ
ajceb-1884	259	130	executive	executive	PROPN
ajceb-1884	259	131	board	board	PROPN
ajceb-1884	259	132	council	council	PROPN
ajceb-1884	259	133	on	on	ADP
ajceb-1884	259	134	financial	financial	ADJ
ajceb-1884	259	135	competition	competition	NOUN
ajceb-1884	259	136	(	(	PUNCT
ajceb-1884	259	137	2003	2003	NUM
ajceb-1884	259	138	)	)	PUNCT
ajceb-1884	259	139	mortgage	mortgage	NOUN
ajceb-1884	259	140	pricing	pricing	NOUN
ajceb-1884	259	141	practices	practice	NOUN
ajceb-1884	259	142	,	,	PUNCT
ajceb-1884	259	143	corporate	corporate	ADJ
ajceb-1884	259	144	executive	executive	NOUN
ajceb-1884	259	145	board	board	NOUN
ajceb-1884	259	146	,	,	PUNCT
ajceb-1884	259	147	july	july	PROPN
ajceb-1884	259	148	council	council	PROPN
ajceb-1884	259	149	on	on	ADP
ajceb-1884	259	150	financial	financial	ADJ
ajceb-1884	259	151	competition	competition	NOUN
ajceb-1884	259	152	(	(	PUNCT
ajceb-1884	259	153	2005	2005	NUM
ajceb-1884	259	154	)	)	PUNCT
ajceb-1884	259	155	strategic	strategic	ADJ
ajceb-1884	259	156	international	international	ADJ
ajceb-1884	259	157	trends	trend	NOUN
ajceb-1884	259	158	,	,	PUNCT
ajceb-1884	259	159	corporate	corporate	ADJ
ajceb-1884	259	160	executive	executive	NOUN
ajceb-1884	259	161	board	board	NOUN
ajceb-1884	259	162	,	,	PUNCT
ajceb-1884	259	163	february	february	PROPN
ajceb-1884	259	164	council	council	PROPN
ajceb-1884	259	165	on	on	ADP
ajceb-1884	259	166	financial	financial	ADJ
ajceb-1884	259	167	competition	competition	NOUN
ajceb-1884	259	168	(	(	PUNCT
ajceb-1884	259	169	2006	2006	NUM
ajceb-1884	259	170	)	)	PUNCT
ajceb-1884	259	171	innovations	innovation	NOUN
ajceb-1884	259	172	in	in	ADP
ajceb-1884	259	173	the	the	DET
ajceb-1884	259	174	mortgage	mortgage	NOUN
ajceb-1884	259	175	market	market	NOUN
ajceb-1884	259	176	,	,	PUNCT
ajceb-1884	259	177	corporate	corporate	ADJ
ajceb-1884	259	178	executive	executive	NOUN
ajceb-1884	259	179	board	board	NOUN
ajceb-1884	259	180	,	,	PUNCT
ajceb-1884	259	181	july	july	PROPN
ajceb-1884	259	182	ellis	ellis	PROPN
ajceb-1884	259	183	,	,	PUNCT
ajceb-1884	259	184	l.	l.	PROPN
ajceb-1884	259	185	(	(	PUNCT
ajceb-1884	259	186	2009	2009	NUM
ajceb-1884	259	187	)	)	PUNCT
ajceb-1884	259	188	the	the	DET
ajceb-1884	259	189	global	global	ADJ
ajceb-1884	259	190	financial	financial	ADJ
ajceb-1884	259	191	crisis	crisis	NOUN
ajceb-1884	259	192	:	:	PUNCT
ajceb-1884	259	193	causes	cause	NOUN
ajceb-1884	259	194	,	,	PUNCT
ajceb-1884	259	195	consequences	consequence	NOUN
ajceb-1884	259	196	and	and	CCONJ
ajceb-1884	259	197	countermeasures	countermeasure	NOUN
ajceb-1884	259	198	,	,	PUNCT
ajceb-1884	259	199	http://www.rba.gov.au/speeches/2009/sp-so-150409.htm	http://www.rba.gov.au/speeches/2009/sp-so-150409.htm	PROPN
ajceb-1884	259	200	,	,	PUNCT
ajceb-1884	259	201	viewed	view	VERB
ajceb-1884	259	202	may	may	PROPN
ajceb-1884	259	203	2010	2010	NUM
ajceb-1884	259	204	gordy	gordy	NOUN
ajceb-1884	259	205	,	,	PUNCT
ajceb-1884	259	206	m.	m.	PROPN
ajceb-1884	259	207	b.	b.	PROPN
ajceb-1884	259	208	and	and	CCONJ
ajceb-1884	259	209	howells	howells	PROPN
ajceb-1884	259	210	,	,	PUNCT
ajceb-1884	259	211	b.	b.	PROPN
ajceb-1884	259	212	(	(	PUNCT
ajceb-1884	259	213	2004	2004	NUM
ajceb-1884	259	214	)	)	PUNCT
ajceb-1884	259	215	procyclicality	procyclicality	NOUN
ajceb-1884	259	216	in	in	ADP
ajceb-1884	259	217	basel	basel	PROPN
ajceb-1884	259	218	ii	ii	PROPN
ajceb-1884	259	219	:	:	PUNCT
ajceb-1884	259	220	can	can	AUX
ajceb-1884	259	221	we	we	PRON
ajceb-1884	259	222	treat	treat	VERB
ajceb-1884	259	223	the	the	DET
ajceb-1884	259	224	disease	disease	NOUN
ajceb-1884	259	225	without	without	ADP
ajceb-1884	259	226	killing	kill	VERB
ajceb-1884	259	227	the	the	DET
ajceb-1884	259	228	patient	patient	NOUN
ajceb-1884	259	229	?	?	PUNCT
ajceb-1884	259	230	,	,	PUNCT
ajceb-1884	259	231	board	board	NOUN
ajceb-1884	259	232	of	of	ADP
ajceb-1884	259	233	governors	governor	NOUN
ajceb-1884	259	234	of	of	ADP
ajceb-1884	259	235	the	the	DET
ajceb-1884	259	236	federal	federal	PROPN
ajceb-1884	259	237	reserve	reserve	PROPN
ajceb-1884	259	238	system	system	NOUN
ajceb-1884	259	239	,	,	PUNCT
ajceb-1884	259	240	http://www.bis.org	http://www.bis.org	PROPN
ajceb-1884	259	241	/	/	SYM
ajceb-1884	259	242	bcbs	bcb	NOUN
ajceb-1884	259	243	/	/	SYM
ajceb-1884	259	244	events	event	NOUN
ajceb-1884	259	245	/	/	SYM
ajceb-1884	259	246	rtf04gordy_howells.pdf	rtf04gordy_howells.pdf	PROPN
ajceb-1884	259	247	,	,	PUNCT
ajceb-1884	259	248	viewed	view	VERB
ajceb-1884	259	249	september	september	PROPN
ajceb-1884	259	250	2010	2010	NUM
ajceb-1884	259	251	imad	imad	NOUN
ajceb-1884	259	252	,	,	PUNCT
ajceb-1884	259	253	a.	a.	NOUN
ajceb-1884	259	254	m.	m.	NOUN
ajceb-1884	259	255	(	(	PUNCT
ajceb-1884	259	256	2010	2010	NUM
ajceb-1884	259	257	)	)	PUNCT
ajceb-1884	259	258	basel	basel	PROPN
ajceb-1884	259	259	ii	ii	PROPN
ajceb-1884	259	260	as	as	ADP
ajceb-1884	259	261	a	a	DET
ajceb-1884	259	262	casualty	casualty	NOUN
ajceb-1884	259	263	of	of	ADP
ajceb-1884	259	264	the	the	DET
ajceb-1884	259	265	global	global	ADJ
ajceb-1884	259	266	financial	financial	ADJ
ajceb-1884	259	267	crisis	crisis	NOUN
ajceb-1884	259	268	,	,	PUNCT
ajceb-1884	259	269	journal	journal	NOUN
ajceb-1884	259	270	of	of	ADP
ajceb-1884	259	271	banking	banking	NOUN
ajceb-1884	259	272	regulation	regulation	NOUN
ajceb-1884	259	273	11	11	NUM
ajceb-1884	259	274	,	,	PUNCT
ajceb-1884	259	275	95	95	NUM
ajceb-1884	259	276	-	-	SYM
ajceb-1884	259	277	114	114	NUM
ajceb-1884	259	278	karamujic	karamujic	NOUN
ajceb-1884	259	279	,	,	PUNCT
ajceb-1884	259	280	m.	m.	NOUN
ajceb-1884	259	281	h.	h.	PROPN
ajceb-1884	259	282	(	(	PUNCT
ajceb-1884	259	283	2009	2009	NUM
ajceb-1884	259	284	)	)	PUNCT
ajceb-1884	259	285	the	the	DET
ajceb-1884	259	286	determination	determination	NOUN
ajceb-1884	259	287	of	of	ADP
ajceb-1884	259	288	home	home	NOUN
ajceb-1884	259	289	loan	loan	NOUN
ajceb-1884	259	290	interest	interest	NOUN
ajceb-1884	259	291	rates	rate	NOUN
ajceb-1884	259	292	and	and	CCONJ
ajceb-1884	259	293	an	an	DET
ajceb-1884	259	294	empirical	empirical	ADJ
ajceb-1884	259	295	assessment	assessment	NOUN
ajceb-1884	259	296	of	of	ADP
ajceb-1884	259	297	their	their	PRON
ajceb-1884	259	298	cyclicality	cyclicality	NOUN
ajceb-1884	259	299	and	and	CCONJ
ajceb-1884	259	300	seasonality	seasonality	NOUN
ajceb-1884	259	301	in	in	ADP
ajceb-1884	259	302	australia	australia	PROPN
ajceb-1884	259	303	,	,	PUNCT
ajceb-1884	259	304	saarbrucken	saarbrucken	PROPN
ajceb-1884	259	305	germany	germany	PROPN
ajceb-1884	259	306	:	:	PUNCT
ajceb-1884	259	307	vdm	vdm	PROPN
ajceb-1884	259	308	kosonen	kosonen	PROPN
ajceb-1884	259	309	,	,	PUNCT
ajceb-1884	259	310	k.	k.	PROPN
ajceb-1884	259	311	(	(	PUNCT
ajceb-1884	259	312	1997	1997	NUM
ajceb-1884	259	313	)	)	PUNCT
ajceb-1884	259	314	the	the	DET
ajceb-1884	259	315	pricing	pricing	NOUN
ajceb-1884	259	316	of	of	ADP
ajceb-1884	259	317	subsidized	subsidized	ADJ
ajceb-1884	259	318	housing	housing	NOUN
ajceb-1884	259	319	loans	loan	NOUN
ajceb-1884	259	320	in	in	ADP
ajceb-1884	259	321	finland	finland	PROPN
ajceb-1884	259	322	,	,	PUNCT
ajceb-1884	259	323	journal	journal	NOUN
ajceb-1884	259	324	of	of	ADP
ajceb-1884	259	325	housing	housing	NOUN
ajceb-1884	259	326	and	and	CCONJ
ajceb-1884	259	327	the	the	DET
ajceb-1884	259	328	built	build	VERB
ajceb-1884	259	329	environment	environment	NOUN
ajceb-1884	259	330	,	,	PUNCT
ajceb-1884	259	331	12	12	NUM
ajceb-1884	259	332	(	(	PUNCT
ajceb-1884	259	333	4	4	NUM
ajceb-1884	259	334	)	)	PUNCT
ajceb-1884	259	335	,	,	PUNCT
ajceb-1884	259	336	381	381	NUM
ajceb-1884	259	337	-	-	SYM
ajceb-1884	259	338	399	399	NUM
ajceb-1884	259	339	moody‟s	moody‟s	NOUN
ajceb-1884	259	340	(	(	PUNCT
ajceb-1884	259	341	2010	2010	NUM
ajceb-1884	259	342	)	)	PUNCT
ajceb-1884	259	343	moody	moody	PROPN
ajceb-1884	259	344	's	's	PART
ajceb-1884	259	345	rating	rating	NOUN
ajceb-1884	259	346	process	process	NOUN
ajceb-1884	259	347	–	–	PUNCT
ajceb-1884	259	348	introduction	introduction	NOUN
ajceb-1884	259	349	,	,	PUNCT
ajceb-1884	259	350	http://v3.moodys.com/	http://v3.moodys.com/	PROPN
ajceb-1884	259	351	pages	page	NOUN
ajceb-1884	259	352	/	/	SYM
ajceb-1884	259	353	default_au.aspx	default_au.aspx	PROPN
ajceb-1884	259	354	,	,	PUNCT
ajceb-1884	259	355	viewed	view	VERB
ajceb-1884	259	356	may	may	PROPN
ajceb-1884	259	357	2010	2010	NUM
ajceb-1884	259	358	rba	rba	NOUN
ajceb-1884	259	359	(	(	PUNCT
ajceb-1884	259	360	2010	2010	NUM
ajceb-1884	259	361	)	)	PUNCT
ajceb-1884	259	362	interest	interest	NOUN
ajceb-1884	259	363	rates	rate	NOUN
ajceb-1884	259	364	and	and	CCONJ
ajceb-1884	259	365	yields	yield	VERB
ajceb-1884	259	366	money	money	NOUN
ajceb-1884	259	367	market	market	NOUN
ajceb-1884	259	368	,	,	PUNCT
ajceb-1884	259	369	april	april	PROPN
ajceb-1884	259	370	2010	2010	NUM
ajceb-1884	259	371	,	,	PUNCT
ajceb-1884	259	372	http://www.rba.gov.au/statistics/tables	http://www.rba.gov.au/statistics/tables	PROPN
ajceb-1884	259	373	,	,	PUNCT
ajceb-1884	259	374	viewed	view	VERB
ajceb-1884	259	375	may	may	PROPN
ajceb-1884	259	376	2010	2010	NUM
ajceb-1884	259	377	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	NOUN
ajceb-1884	259	378	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	NOUN
ajceb-1884	259	379	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	NOUN
ajceb-1884	259	380	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	http://www.apra.gov.au/adi/prudential-standards-and-guidance-notes-for-adis.cfm	NOUN
ajceb-1884	260	1	http://www.bis.org/publ/bcbsca.htm	http://www.bis.org/publ/bcbsca.htm	PRON
ajceb-1884	260	2	http://www.rba.gov.au/speeches/2009/sp-so-150409.htm,%20viewed%20may%202010	http://www.rba.gov.au/speeches/2009/sp-so-150409.htm,%20viewed%20may%202010	PROPN
ajceb-1884	260	3	http://www.bis.org/bcbs/events/rtf04gordy_howells.pdf	http://www.bis.org/bcbs/events/rtf04gordy_howells.pdf	NOUN