id	sid	tid	token	lemma	pos
cjfa-18794	1	1	copernican	copernican	PROPN
cjfa-18794	1	2	journal	journal	PROPN
cjfa-18794	1	3	of	of	ADP
cjfa-18794	1	4	finance	finance	PROPN
cjfa-18794	1	5	&	&	CCONJ
cjfa-18794	1	6	accounting	accounting	PROPN
cjfa-18794	1	7	e	e	PROPN
cjfa-18794	1	8	-	-	PROPN
cjfa-18794	1	9	issn	issn	PROPN
cjfa-18794	1	10	2300	2300	NUM
cjfa-18794	1	11	-	-	SYM
cjfa-18794	1	12	3065	3065	NUM
cjfa-18794	1	13	p	p	PROPN
cjfa-18794	1	14	-	-	PUNCT
cjfa-18794	1	15	issn	issn	PROPN
cjfa-18794	1	16	2300	2300	NUM
cjfa-18794	1	17	-	-	SYM
cjfa-18794	1	18	12402018	12402018	NUM
cjfa-18794	1	19	,	,	PUNCT
cjfa-18794	1	20	volume	volume	NOUN
cjfa-18794	1	21	7	7	NUM
cjfa-18794	1	22	,	,	PUNCT
cjfa-18794	1	23	issue	issue	NOUN
cjfa-18794	1	24	2	2	NUM
cjfa-18794	1	25	date	date	NOUN
cjfa-18794	1	26	of	of	ADP
cjfa-18794	1	27	submission	submission	NOUN
cjfa-18794	1	28	:	:	PUNCT
cjfa-18794	1	29	may	may	AUX
cjfa-18794	1	30	25	25	NUM
cjfa-18794	1	31	,	,	PUNCT
cjfa-18794	1	32	2018	2018	NUM
cjfa-18794	1	33	;	;	PUNCT
cjfa-18794	1	34	date	date	NOUN
cjfa-18794	1	35	of	of	ADP
cjfa-18794	1	36	acceptance	acceptance	NOUN
cjfa-18794	1	37	:	:	PUNCT
cjfa-18794	1	38	june	june	PROPN
cjfa-18794	1	39	29	29	NUM
cjfa-18794	1	40	,	,	PUNCT
cjfa-18794	1	41	2018	2018	NUM
cjfa-18794	1	42	.	.	PUNCT
cjfa-18794	2	1	*	*	PUNCT
cjfa-18794	2	2	contact	contact	NOUN
cjfa-18794	2	3	information	information	NOUN
cjfa-18794	2	4	:	:	PUNCT
cjfa-18794	3	1	piotr.bolibok@kul.pl	piotr.bolibok@kul.pl	NOUN
cjfa-18794	3	2	,	,	PUNCT
cjfa-18794	3	3	department	department	NOUN
cjfa-18794	3	4	of	of	ADP
cjfa-18794	3	5	banking	banking	NOUN
cjfa-18794	3	6	and	and	CCONJ
cjfa-18794	3	7	finance	finance	NOUN
cjfa-18794	3	8	,	,	PUNCT
cjfa-18794	3	9	the	the	DET
cjfa-18794	3	10	john	john	PROPN
cjfa-18794	3	11	paul	paul	PROPN
cjfa-18794	3	12	ii	ii	PROPN
cjfa-18794	3	13	catholic	catholic	PROPN
cjfa-18794	3	14	university	university	PROPN
cjfa-18794	3	15	of	of	ADP
cjfa-18794	3	16	lublin	lublin	PROPN
cjfa-18794	3	17	,	,	PUNCT
cjfa-18794	3	18	al	al	PROPN
cjfa-18794	3	19	.	.	PROPN
cjfa-18794	3	20	racławickie	racławickie	PROPN
cjfa-18794	3	21	14	14	NUM
cjfa-18794	3	22	,	,	PUNCT
cjfa-18794	3	23	20	20	NUM
cjfa-18794	3	24	-	-	SYM
cjfa-18794	3	25	950	950	NUM
cjfa-18794	3	26	lublin	lublin	PROPN
cjfa-18794	3	27	,	,	PUNCT
cjfa-18794	3	28	poland	poland	PROPN
cjfa-18794	3	29	,	,	PUNCT
cjfa-18794	3	30	phone	phone	NOUN
cjfa-18794	3	31	:	:	PUNCT
cjfa-18794	3	32	+48	+48	NUM
cjfa-18794	3	33	81	81	NUM
cjfa-18794	3	34	445	445	NUM
cjfa-18794	3	35	34	34	NUM
cjfa-18794	3	36	33	33	NUM
cjfa-18794	3	37	;	;	PUNCT
cjfa-18794	3	38	orcid	orcid	PROPN
cjfa-18794	4	1	i	i	NOUN
cjfa-18794	4	2	d	d	NOUN
cjfa-18794	4	3	:	:	PUNCT
cjfa-18794	5	1	https://orcid.org/0000-0002-5649-181x	https://orcid.org/0000-0002-5649-181x	NOUN
cjfa-18794	5	2	.	.	PUNCT
cjfa-18794	5	3	bolibok	bolibok	NOUN
cjfa-18794	5	4	,	,	PUNCT
cjfa-18794	5	5	p.	p.	NOUN
cjfa-18794	5	6	(	(	PUNCT
cjfa-18794	5	7	2018	2018	NUM
cjfa-18794	5	8	)	)	PUNCT
cjfa-18794	5	9	.	.	PUNCT
cjfa-18794	6	1	the	the	DET
cjfa-18794	6	2	macroeconomic	macroeconomic	ADJ
cjfa-18794	6	3	drivers	driver	NOUN
cjfa-18794	6	4	of	of	ADP
cjfa-18794	6	5	household	household	NOUN
cjfa-18794	6	6	debt	debt	NOUN
cjfa-18794	6	7	-	-	PUNCT
cjfa-18794	6	8	to	to	ADP
cjfa-18794	6	9	-	-	PUNCT
cjfa-18794	6	10	income	income	NOUN
cjfa-18794	6	11	ratio	ratio	NOUN
cjfa-18794	6	12	:	:	PUNCT
cjfa-18794	6	13	an	an	DET
cjfa-18794	6	14	evidence	evidence	NOUN
cjfa-18794	6	15	from	from	ADP
cjfa-18794	6	16	the	the	DET
cjfa-18794	6	17	oecd	oecd	PROPN
cjfa-18794	6	18	countries	country	NOUN
cjfa-18794	6	19	.	.	PUNCT
cjfa-18794	7	1	copernican	copernican	PROPN
cjfa-18794	7	2	journal	journal	PROPN
cjfa-18794	7	3	of	of	ADP
cjfa-18794	7	4	finance	finance	PROPN
cjfa-18794	7	5	&	&	CCONJ
cjfa-18794	7	6	accounting	accounting	PROPN
cjfa-18794	7	7	,	,	PUNCT
cjfa-18794	7	8	7(2	7(2	NUM
cjfa-18794	7	9	)	)	PUNCT
cjfa-18794	7	10	,	,	PUNCT
cjfa-18794	7	11	29–41	29–41	NUM
cjfa-18794	7	12	.	.	PUNCT
cjfa-18794	8	1	http://dx.doi	http://dx.doi	NOUN
cjfa-18794	8	2	.	.	PUNCT
cjfa-18794	9	1	org/10.12775	org/10.12775	PROPN
cjfa-18794	9	2	/	/	SYM
cjfa-18794	9	3	cjfa.2018.007	cjfa.2018.007	PROPN
cjfa-18794	9	4	piotr	piotr	NOUN
cjfa-18794	9	5	bolibok	bolibok	PROPN
cjfa-18794	9	6	*	*	PUNCT
cjfa-18794	9	7	the	the	DET
cjfa-18794	9	8	john	john	PROPN
cjfa-18794	9	9	paul	paul	PROPN
cjfa-18794	9	10	ii	ii	PROPN
cjfa-18794	9	11	catholic	catholic	PROPN
cjfa-18794	9	12	university	university	PROPN
cjfa-18794	9	13	of	of	ADP
cjfa-18794	9	14	lublin	lublin	PROPN
cjfa-18794	9	15	the	the	DET
cjfa-18794	9	16	macroeconomic	macroeconomic	ADJ
cjfa-18794	9	17	drivers	driver	NOUN
cjfa-18794	9	18	of	of	ADP
cjfa-18794	9	19	household	household	NOUN
cjfa-18794	9	20	debt	debt	NOUN
cjfa-18794	9	21	-	-	PUNCT
cjfa-18794	9	22	to	to	ADP
cjfa-18794	9	23	-	-	PUNCT
cjfa-18794	9	24	income	income	NOUN
cjfa-18794	9	25	ratio	ratio	NOUN
cjfa-18794	9	26	:	:	PUNCT
cjfa-18794	9	27	an	an	DET
cjfa-18794	9	28	evidence	evidence	NOUN
cjfa-18794	9	29	from	from	ADP
cjfa-18794	9	30	the	the	DET
cjfa-18794	9	31	oecd	oecd	PROPN
cjfa-18794	9	32	countries	country	NOUN
cjfa-18794	9	33	keywords	keyword	NOUN
cjfa-18794	9	34	:	:	PUNCT
cjfa-18794	9	35	household	household	NOUN
cjfa-18794	9	36	indebtedness	indebtedness	NOUN
cjfa-18794	9	37	,	,	PUNCT
cjfa-18794	9	38	determinants	determinant	NOUN
cjfa-18794	9	39	of	of	ADP
cjfa-18794	9	40	indebtedness	indebtedness	NOUN
cjfa-18794	9	41	,	,	PUNCT
cjfa-18794	9	42	debt	debt	NOUN
cjfa-18794	9	43	-	-	PUNCT
cjfa-18794	9	44	to	to	ADP
cjfa-18794	9	45	-	-	PUNCT
cjfa-18794	9	46	income	income	NOUN
cjfa-18794	9	47	ratio	ratio	NOUN
cjfa-18794	9	48	,	,	PUNCT
cjfa-18794	9	49	oecd	oecd	PROPN
cjfa-18794	9	50	countries	country	NOUN
cjfa-18794	9	51	.	.	PUNCT
cjfa-18794	10	1	j	j	PROPN
cjfa-18794	10	2	e	e	PROPN
cjfa-18794	10	3	l	l	PROPN
cjfa-18794	10	4	classification	classification	NOUN
cjfa-18794	10	5	:	:	PUNCT
cjfa-18794	10	6	d15	d15	PROPN
cjfa-18794	10	7	,	,	PUNCT
cjfa-18794	10	8	e19	e19	VERB
cjfa-18794	10	9	,	,	PUNCT
cjfa-18794	10	10	e21	e21	PROPN
cjfa-18794	10	11	,	,	PUNCT
cjfa-18794	10	12	g21	g21	PROPN
cjfa-18794	10	13	,	,	PUNCT
cjfa-18794	10	14	r20	r20	NOUN
cjfa-18794	10	15	.	.	PUNCT
cjfa-18794	11	1	abstract	abstract	ADJ
cjfa-18794	11	2	:	:	PUNCT
cjfa-18794	11	3	the	the	DET
cjfa-18794	11	4	paper	paper	NOUN
cjfa-18794	11	5	aims	aim	VERB
cjfa-18794	11	6	at	at	ADP
cjfa-18794	11	7	empirical	empirical	ADJ
cjfa-18794	11	8	investigation	investigation	NOUN
cjfa-18794	11	9	of	of	ADP
cjfa-18794	11	10	the	the	DET
cjfa-18794	11	11	key	key	ADJ
cjfa-18794	11	12	macroeconomic	macroeconomic	ADJ
cjfa-18794	11	13	drivers	driver	NOUN
cjfa-18794	11	14	of	of	ADP
cjfa-18794	11	15	household	household	NOUN
cjfa-18794	11	16	debt	debt	NOUN
cjfa-18794	11	17	-	-	PUNCT
cjfa-18794	11	18	to	to	ADP
cjfa-18794	11	19	-	-	PUNCT
cjfa-18794	11	20	income	income	NOUN
cjfa-18794	11	21	ratio	ratio	NOUN
cjfa-18794	11	22	in	in	ADP
cjfa-18794	11	23	the	the	DET
cjfa-18794	11	24	oecd	oecd	PROPN
cjfa-18794	11	25	countries	country	NOUN
cjfa-18794	11	26	using	use	VERB
cjfa-18794	11	27	a	a	DET
cjfa-18794	11	28	panel	panel	NOUN
cjfa-18794	11	29	data	datum	NOUN
cjfa-18794	11	30	regression	regression	NOUN
cjfa-18794	11	31	analysis	analysis	NOUN
cjfa-18794	11	32	to	to	PART
cjfa-18794	11	33	control	control	VERB
cjfa-18794	11	34	for	for	ADP
cjfa-18794	11	35	the	the	DET
cjfa-18794	11	36	time	time	NOUN
cjfa-18794	11	37	-	-	PUNCT
cjfa-18794	11	38	invariant	invariant	ADJ
cjfa-18794	11	39	country	country	NOUN
cjfa-18794	11	40	-	-	PUNCT
cjfa-18794	11	41	specific	specific	ADJ
cjfa-18794	11	42	effects	effect	NOUN
cjfa-18794	11	43	.	.	PUNCT
cjfa-18794	12	1	the	the	DET
cjfa-18794	12	2	examined	examine	VERB
cjfa-18794	12	3	sample	sample	NOUN
cjfa-18794	12	4	covers	cover	VERB
cjfa-18794	12	5	31	31	NUM
cjfa-18794	12	6	countries	country	NOUN
cjfa-18794	12	7	over	over	ADP
cjfa-18794	12	8	the	the	DET
cjfa-18794	12	9	period	period	NOUN
cjfa-18794	12	10	1996–2015	1996–2015	NUM
cjfa-18794	12	11	,	,	PUNCT
cjfa-18794	12	12	yielding	yield	VERB
cjfa-18794	12	13	an	an	DET
cjfa-18794	12	14	unbalanced	unbalanced	ADJ
cjfa-18794	12	15	panel	panel	NOUN
cjfa-18794	12	16	of	of	ADP
cjfa-18794	12	17	439	439	NUM
cjfa-18794	12	18	country	country	NOUN
cjfa-18794	12	19	-	-	PUNCT
cjfa-18794	12	20	year	year	NOUN
cjfa-18794	12	21	observations	observation	NOUN
cjfa-18794	12	22	.	.	PUNCT
cjfa-18794	13	1	the	the	DET
cjfa-18794	13	2	results	result	NOUN
cjfa-18794	13	3	of	of	ADP
cjfa-18794	13	4	the	the	DET
cjfa-18794	13	5	fixed	fix	VERB
cjfa-18794	13	6	-	-	PUNCT
cjfa-18794	13	7	effect	effect	NOUN
cjfa-18794	13	8	panel	panel	NOUN
cjfa-18794	13	9	regression	regression	NOUN
cjfa-18794	13	10	analysis	analysis	NOUN
cjfa-18794	13	11	indicate	indicate	VERB
cjfa-18794	13	12	that	that	SCONJ
cjfa-18794	13	13	the	the	DET
cjfa-18794	13	14	household	household	NOUN
cjfa-18794	13	15	debt	debt	NOUN
cjfa-18794	13	16	-	-	PUNCT
cjfa-18794	13	17	to	to	ADP
cjfa-18794	13	18	-	-	PUNCT
cjfa-18794	13	19	income	income	NOUN
cjfa-18794	13	20	ratio	ratio	NOUN
cjfa-18794	13	21	is	be	AUX
cjfa-18794	13	22	positively	positively	ADV
cjfa-18794	13	23	related	relate	VERB
cjfa-18794	13	24	to	to	ADP
cjfa-18794	13	25	the	the	DET
cjfa-18794	13	26	average	average	ADJ
cjfa-18794	13	27	annual	annual	ADJ
cjfa-18794	13	28	wages	wage	NOUN
cjfa-18794	13	29	,	,	PUNCT
cjfa-18794	13	30	the	the	DET
cjfa-18794	13	31	share	share	NOUN
cjfa-18794	13	32	of	of	ADP
cjfa-18794	13	33	population	population	NOUN
cjfa-18794	13	34	aged	aged	ADJ
cjfa-18794	13	35	25–39	25–39	NUM
cjfa-18794	13	36	,	,	PUNCT
cjfa-18794	13	37	the	the	DET
cjfa-18794	13	38	share	share	NOUN
cjfa-18794	13	39	of	of	ADP
cjfa-18794	13	40	population	population	NOUN
cjfa-18794	13	41	with	with	ADP
cjfa-18794	13	42	tertiary	tertiary	ADJ
cjfa-18794	13	43	education	education	NOUN
cjfa-18794	13	44	attainment	attainment	NOUN
cjfa-18794	13	45	,	,	PUNCT
cjfa-18794	13	46	and	and	CCONJ
cjfa-18794	13	47	the	the	DET
cjfa-18794	13	48	magnitude	magnitude	NOUN
cjfa-18794	13	49	of	of	ADP
cjfa-18794	13	50	the	the	DET
cjfa-18794	13	51	wage	wage	NOUN
cjfa-18794	13	52	-	-	PUNCT
cjfa-18794	13	53	productivity	productivity	NOUN
cjfa-18794	13	54	gap	gap	NOUN
cjfa-18794	13	55	.	.	PUNCT
cjfa-18794	14	1	the	the	DET
cjfa-18794	14	2	interest	interest	NOUN
cjfa-18794	14	3	rate	rate	NOUN
cjfa-18794	14	4	and	and	CCONJ
cjfa-18794	14	5	the	the	DET
cjfa-18794	14	6	unemployment	unemployment	NOUN
cjfa-18794	14	7	rate	rate	NOUN
cjfa-18794	14	8	seem	seem	VERB
cjfa-18794	14	9	to	to	PART
cjfa-18794	14	10	affect	affect	VERB
cjfa-18794	14	11	the	the	DET
cjfa-18794	14	12	ratio	ratio	NOUN
cjfa-18794	14	13	negatively	negatively	ADV
cjfa-18794	14	14	,	,	PUNCT
cjfa-18794	14	15	although	although	SCONJ
cjfa-18794	14	16	the	the	DET
cjfa-18794	14	17	latter	latter	ADJ
cjfa-18794	14	18	relationship	relationship	NOUN
cjfa-18794	14	19	turns	turn	VERB
cjfa-18794	14	20	out	out	ADP
cjfa-18794	14	21	to	to	PART
cjfa-18794	14	22	be	be	AUX
cjfa-18794	14	23	statistically	statistically	ADV
cjfa-18794	14	24	insignificant	insignificant	ADJ
cjfa-18794	14	25	.	.	PUNCT
cjfa-18794	15	1	contrary	contrary	ADJ
cjfa-18794	15	2	to	to	ADP
cjfa-18794	15	3	the	the	DET
cjfa-18794	15	4	evidence	evidence	NOUN
cjfa-18794	15	5	in	in	ADP
cjfa-18794	15	6	the	the	DET
cjfa-18794	15	7	relevant	relevant	ADJ
cjfa-18794	15	8	literature	literature	NOUN
cjfa-18794	15	9	,	,	PUNCT
cjfa-18794	15	10	however	however	ADV
cjfa-18794	15	11	,	,	PUNCT
cjfa-18794	15	12	after	after	ADP
cjfa-18794	15	13	controlling	control	VERB
cjfa-18794	15	14	for	for	ADP
cjfa-18794	15	15	the	the	DET
cjfa-18794	15	16	country	country	NOUN
cjfa-18794	15	17	-	-	PUNCT
cjfa-18794	15	18	specific	specific	ADJ
cjfa-18794	15	19	effects	effect	NOUN
cjfa-18794	15	20	,	,	PUNCT
cjfa-18794	15	21	the	the	DET
cjfa-18794	15	22	rate	rate	NOUN
cjfa-18794	15	23	of	of	ADP
cjfa-18794	15	24	economic	economic	ADJ
cjfa-18794	15	25	growth	growth	NOUN
cjfa-18794	15	26	and	and	CCONJ
cjfa-18794	15	27	income	income	NOUN
cjfa-18794	15	28	inequality	inequality	NOUN
cjfa-18794	15	29	have	have	AUX
cjfa-18794	15	30	been	be	AUX
cjfa-18794	15	31	found	find	VERB
cjfa-18794	15	32	to	to	PART
cjfa-18794	15	33	affect	affect	VERB
cjfa-18794	15	34	the	the	DET
cjfa-18794	15	35	debt	debt	NOUN
cjfa-18794	15	36	-	-	PUNCT
cjfa-18794	15	37	to	to	ADP
cjfa-18794	15	38	-	-	PUNCT
cjfa-18794	15	39	income	income	NOUN
cjfa-18794	15	40	ratio	ratio	NOUN
cjfa-18794	15	41	negatively	negatively	ADV
cjfa-18794	15	42	.	.	PUNCT
cjfa-18794	16	1	these	these	DET
cjfa-18794	16	2	unexpected	unexpected	ADJ
cjfa-18794	16	3	results	result	NOUN
cjfa-18794	16	4	might	might	AUX
cjfa-18794	16	5	reflect	reflect	VERB
cjfa-18794	16	6	the	the	DET
cjfa-18794	16	7	likely	likely	ADJ
cjfa-18794	16	8	distortions	distortion	NOUN
cjfa-18794	16	9	caused	cause	VERB
cjfa-18794	16	10	by	by	ADP
cjfa-18794	16	11	the	the	DET
cjfa-18794	16	12	recent	recent	ADJ
cjfa-18794	16	13	global	global	ADJ
cjfa-18794	16	14	financial	financial	ADJ
cjfa-18794	16	15	crisis	crisis	NOUN
cjfa-18794	16	16	that	that	PRON
cjfa-18794	16	17	has	have	AUX
cjfa-18794	16	18	significantly	significantly	ADV
cjfa-18794	16	19	hampered	hamper	VERB
cjfa-18794	16	20	the	the	DET
cjfa-18794	16	21	economic	economic	ADJ
cjfa-18794	16	22	growth	growth	NOUN
cjfa-18794	16	23	and	and	CCONJ
cjfa-18794	16	24	increased	increase	VERB
cjfa-18794	16	25	the	the	DET
cjfa-18794	16	26	unemployment	unemployment	NOUN
cjfa-18794	16	27	rate	rate	NOUN
cjfa-18794	16	28	in	in	ADP
cjfa-18794	16	29	many	many	ADJ
cjfa-18794	16	30	developed	develop	VERB
cjfa-18794	16	31	countries	country	NOUN
cjfa-18794	16	32	,	,	PUNCT
cjfa-18794	16	33	while	while	SCONJ
cjfa-18794	16	34	the	the	DET
cjfa-18794	16	35	piotr	piotr	PROPN
cjfa-18794	16	36	bolibok30	bolibok30	PROPN
cjfa-18794	16	37	overall	overall	ADJ
cjfa-18794	16	38	household	household	NOUN
cjfa-18794	16	39	indebtedness	indebtedness	NOUN
cjfa-18794	16	40	has	have	AUX
cjfa-18794	16	41	remained	remain	VERB
cjfa-18794	16	42	elevated	elevated	ADJ
cjfa-18794	16	43	.	.	PUNCT
cjfa-18794	17	1	it	it	PRON
cjfa-18794	17	2	is	be	AUX
cjfa-18794	17	3	also	also	ADV
cjfa-18794	17	4	plausible	plausible	ADJ
cjfa-18794	17	5	that	that	SCONJ
cjfa-18794	17	6	a	a	DET
cjfa-18794	17	7	positive	positive	ADJ
cjfa-18794	17	8	impact	impact	NOUN
cjfa-18794	17	9	of	of	ADP
cjfa-18794	17	10	income	income	NOUN
cjfa-18794	17	11	inequality	inequality	NOUN
cjfa-18794	17	12	on	on	ADP
cjfa-18794	17	13	household	household	NOUN
cjfa-18794	17	14	indebtedness	indebtedness	NOUN
cjfa-18794	17	15	might	might	AUX
cjfa-18794	17	16	be	be	AUX
cjfa-18794	17	17	largely	largely	ADV
cjfa-18794	17	18	limited	limit	VERB
cjfa-18794	17	19	geographically	geographically	ADV
cjfa-18794	17	20	as	as	SCONJ
cjfa-18794	17	21	it	it	PRON
cjfa-18794	17	22	reverses	reverse	VERB
cjfa-18794	17	23	when	when	SCONJ
cjfa-18794	17	24	a	a	DET
cjfa-18794	17	25	larger	large	ADJ
cjfa-18794	17	26	set	set	NOUN
cjfa-18794	17	27	of	of	ADP
cjfa-18794	17	28	countries	country	NOUN
cjfa-18794	17	29	is	be	AUX
cjfa-18794	17	30	examined	examine	VERB
cjfa-18794	17	31	.	.	PUNCT
cjfa-18794	17	32	 	 	SPACE
cjfa-18794	18	1	introduction	introduction	NOUN
cjfa-18794	18	2	the	the	DET
cjfa-18794	18	3	last	last	ADJ
cjfa-18794	18	4	couple	couple	NOUN
cjfa-18794	18	5	of	of	ADP
cjfa-18794	18	6	decades	decade	NOUN
cjfa-18794	18	7	have	have	VERB
cjfa-18794	18	8	witnesses	witness	NOUN
cjfa-18794	18	9	an	an	DET
cjfa-18794	18	10	unprecedented	unprecedented	ADJ
cjfa-18794	18	11	surge	surge	NOUN
cjfa-18794	18	12	in	in	ADP
cjfa-18794	18	13	household	household	NOUN
cjfa-18794	18	14	debt	debt	NOUN
cjfa-18794	18	15	almost	almost	ADV
cjfa-18794	18	16	all	all	ADV
cjfa-18794	18	17	over	over	ADP
cjfa-18794	18	18	the	the	DET
cjfa-18794	18	19	world	world	NOUN
cjfa-18794	18	20	.	.	PUNCT
cjfa-18794	19	1	a	a	DET
cjfa-18794	19	2	key	key	ADJ
cjfa-18794	19	3	role	role	NOUN
cjfa-18794	19	4	in	in	ADP
cjfa-18794	19	5	this	this	DET
cjfa-18794	19	6	process	process	NOUN
cjfa-18794	19	7	has	have	AUX
cjfa-18794	19	8	been	be	AUX
cjfa-18794	19	9	played	play	VERB
cjfa-18794	19	10	by	by	ADP
cjfa-18794	19	11	housing	housing	NOUN
cjfa-18794	19	12	loans	loan	NOUN
cjfa-18794	19	13	that	that	PRON
cjfa-18794	19	14	constitute	constitute	VERB
cjfa-18794	19	15	a	a	DET
cjfa-18794	19	16	vast	vast	ADJ
cjfa-18794	19	17	majority	majority	NOUN
cjfa-18794	19	18	of	of	ADP
cjfa-18794	19	19	the	the	DET
cjfa-18794	19	20	outstanding	outstanding	ADJ
cjfa-18794	19	21	household	household	NOUN
cjfa-18794	19	22	debt	debt	NOUN
cjfa-18794	19	23	(	(	PUNCT
cjfa-18794	19	24	finocchiaro	finocchiaro	PROPN
cjfa-18794	19	25	,	,	PUNCT
cjfa-18794	19	26	nilsson	nilsson	PROPN
cjfa-18794	19	27	,	,	PUNCT
cjfa-18794	19	28	nyberg	nyberg	PROPN
cjfa-18794	19	29	&	&	CCONJ
cjfa-18794	19	30	soultaneva	soultaneva	PROPN
cjfa-18794	19	31	,	,	PUNCT
cjfa-18794	19	32	2011	2011	NUM
cjfa-18794	19	33	,	,	PUNCT
cjfa-18794	19	34	p.	p.	NOUN
cjfa-18794	19	35	7	7	NUM
cjfa-18794	19	36	)	)	PUNCT
cjfa-18794	19	37	.	.	PUNCT
cjfa-18794	20	1	even	even	ADV
cjfa-18794	20	2	though	though	SCONJ
cjfa-18794	20	3	directly	directly	ADV
cjfa-18794	20	4	after	after	ADP
cjfa-18794	20	5	the	the	DET
cjfa-18794	20	6	recent	recent	ADJ
cjfa-18794	20	7	global	global	ADJ
cjfa-18794	20	8	financial	financial	ADJ
cjfa-18794	20	9	crisis	crisis	NOUN
cjfa-18794	20	10	some	some	DET
cjfa-18794	20	11	developed	develop	VERB
cjfa-18794	20	12	countries	country	NOUN
cjfa-18794	20	13	experienced	experience	VERB
cjfa-18794	20	14	a	a	DET
cjfa-18794	20	15	modest	modest	ADJ
cjfa-18794	20	16	de	de	ADJ
cjfa-18794	20	17	-	-	ADJ
cjfa-18794	20	18	leveraging	leveraging	ADJ
cjfa-18794	20	19	,	,	PUNCT
cjfa-18794	20	20	their	their	PRON
cjfa-18794	20	21	societies	society	NOUN
cjfa-18794	20	22	still	still	ADV
cjfa-18794	20	23	remain	remain	VERB
cjfa-18794	20	24	heavily	heavily	ADV
cjfa-18794	20	25	indebted	indebted	ADJ
cjfa-18794	20	26	.	.	PUNCT
cjfa-18794	21	1	in	in	ADP
cjfa-18794	21	2	turn	turn	NOUN
cjfa-18794	21	3	,	,	PUNCT
cjfa-18794	21	4	in	in	ADP
cjfa-18794	21	5	the	the	DET
cjfa-18794	21	6	majority	majority	NOUN
cjfa-18794	21	7	of	of	ADP
cjfa-18794	21	8	emerging	emerge	VERB
cjfa-18794	21	9	economies	economy	NOUN
cjfa-18794	21	10	household	household	NOUN
cjfa-18794	21	11	indebtedness	indebtedness	NOUN
cjfa-18794	21	12	continues	continue	VERB
cjfa-18794	21	13	to	to	PART
cjfa-18794	21	14	grow	grow	VERB
cjfa-18794	21	15	,	,	PUNCT
cjfa-18794	21	16	however	however	ADV
cjfa-18794	21	17	at	at	ADP
cjfa-18794	21	18	a	a	DET
cjfa-18794	21	19	reduced	reduced	ADJ
cjfa-18794	21	20	pace	pace	NOUN
cjfa-18794	21	21	.	.	PUNCT
cjfa-18794	22	1	overall	overall	ADJ
cjfa-18794	22	2	,	,	PUNCT
cjfa-18794	22	3	for	for	ADP
cjfa-18794	22	4	more	more	ADJ
cjfa-18794	22	5	than	than	ADP
cjfa-18794	22	6	a	a	PRON
cjfa-18794	22	7	decade	decade	NOUN
cjfa-18794	22	8	average	average	ADJ
cjfa-18794	22	9	and	and	CCONJ
cjfa-18794	22	10	median	median	ADJ
cjfa-18794	22	11	values	value	NOUN
cjfa-18794	22	12	of	of	ADP
cjfa-18794	22	13	the	the	DET
cjfa-18794	22	14	debt	debt	NOUN
cjfa-18794	22	15	-	-	PUNCT
cjfa-18794	22	16	to	to	ADP
cjfa-18794	22	17	-	-	PUNCT
cjfa-18794	22	18	income	income	NOUN
cjfa-18794	22	19	(	(	PUNCT
cjfa-18794	22	20	henceforth	henceforth	ADV
cjfa-18794	22	21	:	:	PUNCT
cjfa-18794	22	22	dti	dti	PROPN
cjfa-18794	22	23	)	)	PUNCT
cjfa-18794	22	24	ratio	ratio	NOUN
cjfa-18794	22	25	in	in	ADP
cjfa-18794	22	26	the	the	DET
cjfa-18794	22	27	oecd	oecd	PROPN
cjfa-18794	22	28	countries	country	NOUN
cjfa-18794	22	29	have	have	AUX
cjfa-18794	22	30	been	be	AUX
cjfa-18794	22	31	exceeding	exceed	VERB
cjfa-18794	22	32	100	100	NUM
cjfa-18794	22	33	%	%	NOUN
cjfa-18794	22	34	(	(	PUNCT
cjfa-18794	22	35	figure	figure	NOUN
cjfa-18794	22	36	1	1	NUM
cjfa-18794	22	37	)	)	PUNCT
cjfa-18794	22	38	.	.	PUNCT
cjfa-18794	23	1	figure	figure	NOUN
cjfa-18794	23	2	1	1	NUM
cjfa-18794	23	3	.	.	PUNCT
cjfa-18794	24	1	average	average	ADJ
cjfa-18794	24	2	and	and	CCONJ
cjfa-18794	24	3	median	median	ADJ
cjfa-18794	24	4	dti	dti	PROPN
cjfa-18794	24	5	ratio	ratio	NOUN
cjfa-18794	24	6	in	in	ADP
cjfa-18794	24	7	the	the	DET
cjfa-18794	24	8	oecd	oecd	PROPN
cjfa-18794	24	9	countries	country	NOUN
cjfa-18794	24	10	over	over	ADP
cjfa-18794	24	11	the	the	DET
cjfa-18794	24	12	period	period	NOUN
cjfa-18794	24	13	1996–2015	1996–2015	NUM
cjfa-18794	24	14	introduction	introduction	NOUN
cjfa-18794	24	15	the	the	DET
cjfa-18794	24	16	last	last	ADJ
cjfa-18794	24	17	couple	couple	NOUN
cjfa-18794	24	18	of	of	ADP
cjfa-18794	24	19	decades	decade	NOUN
cjfa-18794	24	20	have	have	VERB
cjfa-18794	24	21	witnesses	witness	NOUN
cjfa-18794	24	22	an	an	DET
cjfa-18794	24	23	unprecedented	unprecedented	ADJ
cjfa-18794	24	24	surge	surge	NOUN
cjfa-18794	24	25	in	in	ADP
cjfa-18794	24	26	household	household	NOUN
cjfa-18794	24	27	debt	debt	NOUN
cjfa-18794	24	28	almost	almost	ADV
cjfa-18794	24	29	all	all	ADV
cjfa-18794	24	30	over	over	ADP
cjfa-18794	24	31	the	the	DET
cjfa-18794	24	32	world	world	NOUN
cjfa-18794	24	33	.	.	PUNCT
cjfa-18794	25	1	a	a	DET
cjfa-18794	25	2	key	key	ADJ
cjfa-18794	25	3	role	role	NOUN
cjfa-18794	25	4	in	in	ADP
cjfa-18794	25	5	this	this	DET
cjfa-18794	25	6	process	process	NOUN
cjfa-18794	25	7	has	have	AUX
cjfa-18794	25	8	been	be	AUX
cjfa-18794	25	9	played	play	VERB
cjfa-18794	25	10	by	by	ADP
cjfa-18794	25	11	housing	housing	NOUN
cjfa-18794	25	12	loans	loan	NOUN
cjfa-18794	25	13	that	that	PRON
cjfa-18794	25	14	constitute	constitute	VERB
cjfa-18794	25	15	a	a	DET
cjfa-18794	25	16	vast	vast	ADJ
cjfa-18794	25	17	majority	majority	NOUN
cjfa-18794	25	18	of	of	ADP
cjfa-18794	25	19	the	the	DET
cjfa-18794	25	20	outstanding	outstanding	ADJ
cjfa-18794	25	21	household	household	NOUN
cjfa-18794	25	22	debt	debt	NOUN
cjfa-18794	25	23	(	(	PUNCT
cjfa-18794	25	24	finocchiaro	finocchiaro	PROPN
cjfa-18794	25	25	,	,	PUNCT
cjfa-18794	25	26	nilsson	nilsson	PROPN
cjfa-18794	25	27	,	,	PUNCT
cjfa-18794	25	28	nyberg	nyberg	PROPN
cjfa-18794	25	29	&	&	CCONJ
cjfa-18794	25	30	soultaneva	soultaneva	PROPN
cjfa-18794	25	31	,	,	PUNCT
cjfa-18794	25	32	2011	2011	NUM
cjfa-18794	25	33	,	,	PUNCT
cjfa-18794	25	34	p.	p.	NOUN
cjfa-18794	25	35	7	7	NUM
cjfa-18794	25	36	)	)	PUNCT
cjfa-18794	25	37	.	.	PUNCT
cjfa-18794	26	1	even	even	ADV
cjfa-18794	26	2	though	though	SCONJ
cjfa-18794	26	3	directly	directly	ADV
cjfa-18794	26	4	after	after	ADP
cjfa-18794	26	5	the	the	DET
cjfa-18794	26	6	recent	recent	ADJ
cjfa-18794	26	7	global	global	ADJ
cjfa-18794	26	8	financial	financial	ADJ
cjfa-18794	26	9	crisis	crisis	NOUN
cjfa-18794	26	10	some	some	DET
cjfa-18794	26	11	developed	develop	VERB
cjfa-18794	26	12	countries	country	NOUN
cjfa-18794	26	13	experienced	experience	VERB
cjfa-18794	26	14	a	a	DET
cjfa-18794	26	15	modest	modest	ADJ
cjfa-18794	26	16	de	de	ADJ
cjfa-18794	26	17	-	-	ADJ
cjfa-18794	26	18	leveraging	leveraging	ADJ
cjfa-18794	26	19	,	,	PUNCT
cjfa-18794	26	20	their	their	PRON
cjfa-18794	26	21	societies	society	NOUN
cjfa-18794	26	22	still	still	ADV
cjfa-18794	26	23	remain	remain	VERB
cjfa-18794	26	24	heavily	heavily	ADV
cjfa-18794	26	25	indebted	indebted	ADJ
cjfa-18794	26	26	.	.	PUNCT
cjfa-18794	27	1	in	in	ADP
cjfa-18794	27	2	turn	turn	NOUN
cjfa-18794	27	3	,	,	PUNCT
cjfa-18794	27	4	in	in	ADP
cjfa-18794	27	5	the	the	DET
cjfa-18794	27	6	majority	majority	NOUN
cjfa-18794	27	7	of	of	ADP
cjfa-18794	27	8	emerging	emerge	VERB
cjfa-18794	27	9	economies	economy	NOUN
cjfa-18794	27	10	household	household	NOUN
cjfa-18794	27	11	indebtedness	indebtedness	NOUN
cjfa-18794	27	12	continues	continue	VERB
cjfa-18794	27	13	to	to	PART
cjfa-18794	27	14	grow	grow	VERB
cjfa-18794	27	15	,	,	PUNCT
cjfa-18794	27	16	however	however	ADV
cjfa-18794	27	17	at	at	ADP
cjfa-18794	27	18	a	a	DET
cjfa-18794	27	19	reduced	reduced	ADJ
cjfa-18794	27	20	pace	pace	NOUN
cjfa-18794	27	21	.	.	PUNCT
cjfa-18794	28	1	overall	overall	ADJ
cjfa-18794	28	2	,	,	PUNCT
cjfa-18794	28	3	for	for	ADP
cjfa-18794	28	4	more	more	ADJ
cjfa-18794	28	5	than	than	ADP
cjfa-18794	28	6	a	a	PRON
cjfa-18794	28	7	decade	decade	NOUN
cjfa-18794	28	8	average	average	ADJ
cjfa-18794	28	9	and	and	CCONJ
cjfa-18794	28	10	median	median	ADJ
cjfa-18794	28	11	values	value	NOUN
cjfa-18794	28	12	of	of	ADP
cjfa-18794	28	13	the	the	DET
cjfa-18794	28	14	debt	debt	NOUN
cjfa-18794	28	15	-	-	PUNCT
cjfa-18794	28	16	to	to	ADP
cjfa-18794	28	17	-	-	PUNCT
cjfa-18794	28	18	income	income	NOUN
cjfa-18794	28	19	(	(	PUNCT
cjfa-18794	28	20	henceforth	henceforth	ADV
cjfa-18794	28	21	:	:	PUNCT
cjfa-18794	28	22	dti	dti	PROPN
cjfa-18794	28	23	)	)	PUNCT
cjfa-18794	28	24	ratio	ratio	NOUN
cjfa-18794	28	25	in	in	ADP
cjfa-18794	28	26	the	the	DET
cjfa-18794	28	27	oecd	oecd	PROPN
cjfa-18794	28	28	countries	country	NOUN
cjfa-18794	28	29	have	have	AUX
cjfa-18794	28	30	been	be	AUX
cjfa-18794	28	31	exceeding	exceed	VERB
cjfa-18794	28	32	100	100	NUM
cjfa-18794	28	33	%	%	NOUN
cjfa-18794	28	34	(	(	PUNCT
cjfa-18794	28	35	figure	figure	NOUN
cjfa-18794	28	36	1	1	NUM
cjfa-18794	28	37	)	)	PUNCT
cjfa-18794	28	38	.	.	PUNCT
cjfa-18794	29	1	figure	figure	NOUN
cjfa-18794	29	2	1	1	NUM
cjfa-18794	29	3	.	.	PUNCT
cjfa-18794	30	1	average	average	ADJ
cjfa-18794	30	2	and	and	CCONJ
cjfa-18794	30	3	median	median	ADJ
cjfa-18794	30	4	dti	dti	PROPN
cjfa-18794	30	5	ratio	ratio	NOUN
cjfa-18794	30	6	in	in	ADP
cjfa-18794	30	7	the	the	DET
cjfa-18794	30	8	oecd	oecd	PROPN
cjfa-18794	30	9	countries	country	NOUN
cjfa-18794	30	10	over	over	ADP
cjfa-18794	30	11	the	the	DET
cjfa-18794	30	12	period	period	NOUN
cjfa-18794	30	13	1996–2015	1996–2015	NUM
cjfa-18794	30	14	source	source	NOUN
cjfa-18794	30	15	:	:	PUNCT
cjfa-18794	30	16	own	own	ADJ
cjfa-18794	30	17	elaboration	elaboration	NOUN
cjfa-18794	30	18	based	base	VERB
cjfa-18794	30	19	on	on	ADP
cjfa-18794	30	20	oecd	oecd	PROPN
cjfa-18794	30	21	(	(	PUNCT
cjfa-18794	30	22	2018	2018	NUM
cjfa-18794	30	23	)	)	PUNCT
cjfa-18794	30	24	and	and	CCONJ
cjfa-18794	30	25	united	united	PROPN
cjfa-18794	30	26	nations	nations	PROPN
cjfa-18794	30	27	(	(	PUNCT
cjfa-18794	30	28	2017	2017	NUM
cjfa-18794	30	29	)	)	PUNCT
cjfa-18794	30	30	.	.	PUNCT
cjfa-18794	31	1	the	the	DET
cjfa-18794	31	2	relevant	relevant	ADJ
cjfa-18794	31	3	literature	literature	NOUN
cjfa-18794	31	4	identifies	identify	VERB
cjfa-18794	31	5	many	many	ADJ
cjfa-18794	31	6	factors	factor	NOUN
cjfa-18794	31	7	that	that	PRON
cjfa-18794	31	8	might	might	AUX
cjfa-18794	31	9	have	have	AUX
cjfa-18794	31	10	contributed	contribute	VERB
cjfa-18794	31	11	to	to	ADP
cjfa-18794	31	12	the	the	DET
cjfa-18794	31	13	significant	significant	ADJ
cjfa-18794	31	14	growth	growth	NOUN
cjfa-18794	31	15	of	of	ADP
cjfa-18794	31	16	household	household	NOUN
cjfa-18794	31	17	indebtedness	indebtedness	NOUN
cjfa-18794	31	18	.	.	PUNCT
cjfa-18794	32	1	apart	apart	ADV
cjfa-18794	32	2	from	from	ADP
cjfa-18794	32	3	the	the	DET
cjfa-18794	32	4	consequences	consequence	NOUN
cjfa-18794	32	5	of	of	ADP
cjfa-18794	32	6	the	the	DET
cjfa-18794	32	7	wide	wide	ADV
cjfa-18794	32	8	-	-	PUNCT
cjfa-18794	32	9	spread	spread	VERB
cjfa-18794	32	10	‘	'	PUNCT
cjfa-18794	32	11	easy	easy	ADJ
cjfa-18794	32	12	-	-	PUNCT
cjfa-18794	32	13	money	money	NOUN
cjfa-18794	32	14	’	'	PUNCT
cjfa-18794	32	15	policy	policy	NOUN
cjfa-18794	32	16	in	in	ADP
cjfa-18794	32	17	the	the	DET
cjfa-18794	32	18	period	period	NOUN
cjfa-18794	32	19	preceding	precede	VERB
cjfa-18794	32	20	the	the	DET
cjfa-18794	32	21	crisis	crisis	NOUN
cjfa-18794	32	22	,	,	PUNCT
cjfa-18794	32	23	i.e.	i.e.	X
cjfa-18794	32	24	historically	historically	ADV
cjfa-18794	32	25	low	low	ADJ
cjfa-18794	32	26	levels	level	NOUN
cjfa-18794	32	27	of	of	ADP
cjfa-18794	32	28	interest	interest	NOUN
cjfa-18794	32	29	rates	rate	NOUN
cjfa-18794	32	30	and	and	CCONJ
cjfa-18794	32	31	an	an	DET
cjfa-18794	32	32	increased	increase	VERB
cjfa-18794	32	33	availability	availability	NOUN
cjfa-18794	32	34	of	of	ADP
cjfa-18794	32	35	credit	credit	NOUN
cjfa-18794	32	36	(	(	PUNCT
cjfa-18794	32	37	taylor	taylor	PROPN
cjfa-18794	32	38	,	,	PUNCT
cjfa-18794	32	39	2009	2009	NUM
cjfa-18794	32	40	,	,	PUNCT
cjfa-18794	32	41	pp	pp	ADP
cjfa-18794	32	42	.	.	PUNCT
cjfa-18794	33	1	1–4	1–4	NOUN
cjfa-18794	33	2	;	;	PUNCT
cjfa-18794	33	3	justiniano	justiniano	PROPN
cjfa-18794	33	4	,	,	PUNCT
cjfa-18794	33	5	primiceri	primiceri	PROPN
cjfa-18794	33	6	&	&	CCONJ
cjfa-18794	33	7	tambalotti	tambalotti	PROPN
cjfa-18794	33	8	,	,	PUNCT
cjfa-18794	33	9	2015	2015	NUM
cjfa-18794	33	10	,	,	PUNCT
cjfa-18794	33	11	pp	pp	ADV
cjfa-18794	33	12	.	.	PUNCT
cjfa-18794	34	1	4–5	4–5	X
cjfa-18794	34	2	)	)	PUNCT
cjfa-18794	34	3	,	,	PUNCT
cjfa-18794	34	4	the	the	DET
cjfa-18794	34	5	empirical	empirical	ADJ
cjfa-18794	34	6	evidence	evidence	NOUN
cjfa-18794	34	7	suggests	suggest	VERB
cjfa-18794	34	8	that	that	SCONJ
cjfa-18794	34	9	household	household	NOUN
cjfa-18794	34	10	indebtedness	indebtedness	NOUN
cjfa-18794	34	11	is	be	AUX
cjfa-18794	34	12	dependent	dependent	ADJ
cjfa-18794	34	13	on	on	ADP
cjfa-18794	34	14	an	an	DET
cjfa-18794	34	15	overall	overall	ADJ
cjfa-18794	34	16	macroeconomic	macroeconomic	ADJ
cjfa-18794	34	17	stability	stability	NOUN
cjfa-18794	34	18	(	(	PUNCT
cjfa-18794	34	19	bloxham	bloxham	PROPN
cjfa-18794	34	20	&	&	CCONJ
cjfa-18794	34	21	kent	kent	PROPN
cjfa-18794	34	22	,	,	PUNCT
cjfa-18794	34	23	2009	2009	NUM
cjfa-18794	34	24	,	,	PUNCT
cjfa-18794	34	25	p.	p.	NOUN
cjfa-18794	34	26	329	329	NUM
cjfa-18794	34	27	)	)	PUNCT
cjfa-18794	34	28	.	.	PUNCT
cjfa-18794	35	1	additionally	additionally	ADV
cjfa-18794	35	2	,	,	PUNCT
cjfa-18794	35	3	many	many	ADJ
cjfa-18794	35	4	studies	study	NOUN
cjfa-18794	35	5	relate	relate	VERB
cjfa-18794	35	6	it	it	PRON
cjfa-18794	35	7	to	to	ADP
cjfa-18794	35	8	the	the	DET
cjfa-18794	35	9	conditions	condition	NOUN
cjfa-18794	35	10	in	in	ADP
cjfa-18794	35	11	the	the	DET
cjfa-18794	35	12	housing	housing	NOUN
cjfa-18794	35	13	market	market	NOUN
cjfa-18794	35	14	,	,	PUNCT
cjfa-18794	35	15	and	and	CCONJ
cjfa-18794	35	16	in	in	ADP
cjfa-18794	35	17	particular	particular	ADJ
cjfa-18794	35	18	to	to	ADP
cjfa-18794	35	19	the	the	DET
cjfa-18794	35	20	residential	residential	ADJ
cjfa-18794	35	21	property	property	NOUN
cjfa-18794	35	22	prices	price	NOUN
cjfa-18794	35	23	(	(	PUNCT
cjfa-18794	35	24	moore	moore	PROPN
cjfa-18794	35	25	&	&	CCONJ
cjfa-18794	35	26	stockhammer	stockhammer	PROPN
cjfa-18794	35	27	,	,	PUNCT
cjfa-18794	35	28	2018	2018	NUM
cjfa-18794	35	29	,	,	PUNCT
cjfa-18794	35	30	p.	p.	NOUN
cjfa-18794	35	31	23	23	NUM
cjfa-18794	35	32	)	)	PUNCT
cjfa-18794	35	33	,	,	PUNCT
cjfa-18794	35	34	or	or	CCONJ
cjfa-18794	35	35	to	to	ADP
cjfa-18794	35	36	the	the	DET
cjfa-18794	35	37	impact	impact	NOUN
cjfa-18794	35	38	of	of	ADP
cjfa-18794	35	39	0	0	NUM
cjfa-18794	35	40	20	20	NUM
cjfa-18794	35	41	40	40	NUM
cjfa-18794	35	42	60	60	NUM
cjfa-18794	35	43	80	80	NUM
cjfa-18794	35	44	100	100	NUM
cjfa-18794	35	45	120	120	NUM
cjfa-18794	35	46	140	140	NUM
cjfa-18794	35	47	160	160	NUM
cjfa-18794	35	48	mean	mean	NOUN
cjfa-18794	35	49	median	median	ADJ
cjfa-18794	35	50	population	population	NOUN
cjfa-18794	35	51	-	-	PUNCT
cjfa-18794	35	52	weighted	weight	VERB
cjfa-18794	35	53	average	average	NOUN
cjfa-18794	35	54	s	s	PART
cjfa-18794	35	55	o	o	NOUN
cjfa-18794	35	56	u	u	NOUN
cjfa-18794	35	57	r	r	NOUN
cjfa-18794	35	58	c	c	NOUN
cjfa-18794	35	59	e	e	NOUN
cjfa-18794	35	60	:	:	PUNCT
cjfa-18794	35	61	own	own	ADJ
cjfa-18794	35	62	elaboration	elaboration	NOUN
cjfa-18794	35	63	based	base	VERB
cjfa-18794	35	64	on	on	ADP
cjfa-18794	35	65	oecd	oecd	PROPN
cjfa-18794	35	66	(	(	PUNCT
cjfa-18794	35	67	2018	2018	NUM
cjfa-18794	35	68	)	)	PUNCT
cjfa-18794	35	69	and	and	CCONJ
cjfa-18794	35	70	united	united	PROPN
cjfa-18794	35	71	nations	nations	PROPN
cjfa-18794	35	72	(	(	PUNCT
cjfa-18794	35	73	2017	2017	NUM
cjfa-18794	35	74	)	)	PUNCT
cjfa-18794	35	75	.	.	PUNCT
cjfa-18794	36	1	the	the	DET
cjfa-18794	36	2	relevant	relevant	ADJ
cjfa-18794	36	3	literature	literature	NOUN
cjfa-18794	36	4	identifies	identify	VERB
cjfa-18794	36	5	many	many	ADJ
cjfa-18794	36	6	factors	factor	NOUN
cjfa-18794	36	7	that	that	PRON
cjfa-18794	36	8	might	might	AUX
cjfa-18794	36	9	have	have	AUX
cjfa-18794	36	10	contributed	contribute	VERB
cjfa-18794	36	11	to	to	ADP
cjfa-18794	36	12	the	the	DET
cjfa-18794	36	13	significant	significant	ADJ
cjfa-18794	36	14	growth	growth	NOUN
cjfa-18794	36	15	of	of	ADP
cjfa-18794	36	16	household	household	NOUN
cjfa-18794	36	17	indebtedness	indebtedness	NOUN
cjfa-18794	36	18	.	.	PUNCT
cjfa-18794	37	1	apart	apart	ADV
cjfa-18794	37	2	from	from	ADP
cjfa-18794	37	3	the	the	DET
cjfa-18794	37	4	consequences	consequence	NOUN
cjfa-18794	37	5	of	of	ADP
cjfa-18794	37	6	the	the	DET
cjfa-18794	37	7	wide	wide	ADV
cjfa-18794	37	8	-	-	PUNCT
cjfa-18794	37	9	spread	spread	VERB
cjfa-18794	37	10	‘	'	PUNCT
cjfa-18794	37	11	easy	easy	ADJ
cjfa-18794	37	12	-	-	PUNCT
cjfa-18794	37	13	money	money	NOUN
cjfa-18794	37	14	’	'	PUNCT
cjfa-18794	37	15	policy	policy	NOUN
cjfa-18794	37	16	in	in	ADP
cjfa-18794	37	17	the	the	DET
cjfa-18794	37	18	period	period	NOUN
cjfa-18794	37	19	preceding	precede	VERB
cjfa-18794	37	20	the	the	DET
cjfa-18794	37	21	crisis	crisis	NOUN
cjfa-18794	37	22	,	,	PUNCT
cjfa-18794	37	23	i.e.	i.e.	X
cjfa-18794	37	24	historically	historically	ADV
cjfa-18794	37	25	low	low	ADJ
cjfa-18794	37	26	levels	level	NOUN
cjfa-18794	37	27	of	of	ADP
cjfa-18794	37	28	interest	interest	NOUN
cjfa-18794	37	29	rates	rate	NOUN
cjfa-18794	37	30	and	and	CCONJ
cjfa-18794	37	31	an	an	DET
cjfa-18794	37	32	increased	increase	VERB
cjfa-18794	37	33	availability	availability	NOUN
cjfa-18794	37	34	of	of	ADP
cjfa-18794	37	35	the	the	DET
cjfa-18794	37	36	macroeconomic	macroeconomic	ADJ
cjfa-18794	37	37	drivers	driver	NOUN
cjfa-18794	37	38	of	of	ADP
cjfa-18794	37	39	household	household	NOUN
cjfa-18794	37	40	debt	debt	NOUN
cjfa-18794	37	41	-	-	PUNCT
cjfa-18794	37	42	to	to	ADP
cjfa-18794	37	43	-	-	PUNCT
cjfa-18794	37	44	income	income	NOUN
cjfa-18794	37	45	ratio	ratio	NOUN
cjfa-18794	37	46	…	…	PUNCT
cjfa-18794	37	47	31	31	NUM
cjfa-18794	37	48	credit	credit	NOUN
cjfa-18794	37	49	(	(	PUNCT
cjfa-18794	37	50	taylor	taylor	PROPN
cjfa-18794	37	51	,	,	PUNCT
cjfa-18794	37	52	2009	2009	NUM
cjfa-18794	37	53	,	,	PUNCT
cjfa-18794	37	54	pp	pp	ADP
cjfa-18794	37	55	.	.	PUNCT
cjfa-18794	38	1	1–4	1–4	NOUN
cjfa-18794	38	2	;	;	PUNCT
cjfa-18794	38	3	justiniano	justiniano	PROPN
cjfa-18794	38	4	,	,	PUNCT
cjfa-18794	38	5	primiceri	primiceri	PROPN
cjfa-18794	38	6	&	&	CCONJ
cjfa-18794	38	7	tambalotti	tambalotti	PROPN
cjfa-18794	38	8	,	,	PUNCT
cjfa-18794	38	9	2015	2015	NUM
cjfa-18794	38	10	,	,	PUNCT
cjfa-18794	38	11	pp	pp	ADV
cjfa-18794	38	12	.	.	PUNCT
cjfa-18794	39	1	4–5	4–5	X
cjfa-18794	39	2	)	)	PUNCT
cjfa-18794	39	3	,	,	PUNCT
cjfa-18794	39	4	the	the	DET
cjfa-18794	39	5	empirical	empirical	ADJ
cjfa-18794	39	6	evidence	evidence	NOUN
cjfa-18794	39	7	suggests	suggest	VERB
cjfa-18794	39	8	that	that	SCONJ
cjfa-18794	39	9	household	household	NOUN
cjfa-18794	39	10	indebtedness	indebtedness	NOUN
cjfa-18794	39	11	is	be	AUX
cjfa-18794	39	12	dependent	dependent	ADJ
cjfa-18794	39	13	on	on	ADP
cjfa-18794	39	14	an	an	DET
cjfa-18794	39	15	overall	overall	ADJ
cjfa-18794	39	16	macroeconomic	macroeconomic	ADJ
cjfa-18794	39	17	stability	stability	NOUN
cjfa-18794	39	18	(	(	PUNCT
cjfa-18794	39	19	bloxham	bloxham	PROPN
cjfa-18794	39	20	&	&	CCONJ
cjfa-18794	39	21	kent	kent	PROPN
cjfa-18794	39	22	,	,	PUNCT
cjfa-18794	39	23	2009	2009	NUM
cjfa-18794	39	24	,	,	PUNCT
cjfa-18794	39	25	p.	p.	NOUN
cjfa-18794	39	26	329	329	NUM
cjfa-18794	39	27	)	)	PUNCT
cjfa-18794	39	28	.	.	PUNCT
cjfa-18794	40	1	additionally	additionally	ADV
cjfa-18794	40	2	,	,	PUNCT
cjfa-18794	40	3	many	many	ADJ
cjfa-18794	40	4	studies	study	NOUN
cjfa-18794	40	5	relate	relate	VERB
cjfa-18794	40	6	it	it	PRON
cjfa-18794	40	7	to	to	ADP
cjfa-18794	40	8	the	the	DET
cjfa-18794	40	9	conditions	condition	NOUN
cjfa-18794	40	10	in	in	ADP
cjfa-18794	40	11	the	the	DET
cjfa-18794	40	12	housing	housing	NOUN
cjfa-18794	40	13	market	market	NOUN
cjfa-18794	40	14	,	,	PUNCT
cjfa-18794	40	15	and	and	CCONJ
cjfa-18794	40	16	in	in	ADP
cjfa-18794	40	17	particular	particular	ADJ
cjfa-18794	40	18	to	to	ADP
cjfa-18794	40	19	the	the	DET
cjfa-18794	40	20	residential	residential	ADJ
cjfa-18794	40	21	property	property	NOUN
cjfa-18794	40	22	prices	price	NOUN
cjfa-18794	40	23	(	(	PUNCT
cjfa-18794	40	24	moore	moore	PROPN
cjfa-18794	40	25	&	&	CCONJ
cjfa-18794	40	26	stockhammer	stockhammer	PROPN
cjfa-18794	40	27	,	,	PUNCT
cjfa-18794	40	28	2018	2018	NUM
cjfa-18794	40	29	,	,	PUNCT
cjfa-18794	40	30	p.	p.	NOUN
cjfa-18794	40	31	23	23	NUM
cjfa-18794	40	32	)	)	PUNCT
cjfa-18794	40	33	,	,	PUNCT
cjfa-18794	40	34	or	or	CCONJ
cjfa-18794	40	35	to	to	ADP
cjfa-18794	40	36	the	the	DET
cjfa-18794	40	37	impact	impact	NOUN
cjfa-18794	40	38	of	of	ADP
cjfa-18794	40	39	demographic	demographic	ADJ
cjfa-18794	40	40	factors	factor	NOUN
cjfa-18794	40	41	,	,	PUNCT
cjfa-18794	40	42	including	include	VERB
cjfa-18794	40	43	the	the	DET
cjfa-18794	40	44	structure	structure	NOUN
cjfa-18794	40	45	of	of	ADP
cjfa-18794	40	46	age	age	NOUN
cjfa-18794	40	47	and	and	CCONJ
cjfa-18794	40	48	educational	educational	ADJ
cjfa-18794	40	49	attainment	attainment	NOUN
cjfa-18794	40	50	(	(	PUNCT
cjfa-18794	40	51	magri	magri	NOUN
cjfa-18794	40	52	,	,	PUNCT
cjfa-18794	40	53	2007	2007	NUM
cjfa-18794	40	54	,	,	PUNCT
cjfa-18794	40	55	pp	pp	ADJ
cjfa-18794	40	56	.	.	PUNCT
cjfa-18794	41	1	410–413	410–413	NUM
cjfa-18794	41	2	)	)	PUNCT
cjfa-18794	41	3	.	.	PUNCT
cjfa-18794	42	1	moreover	moreover	ADV
cjfa-18794	42	2	,	,	PUNCT
cjfa-18794	42	3	the	the	DET
cjfa-18794	42	4	studies	study	NOUN
cjfa-18794	42	5	focusing	focus	VERB
cjfa-18794	42	6	on	on	ADP
cjfa-18794	42	7	the	the	DET
cjfa-18794	42	8	u.s	u.s	PROPN
cjfa-18794	42	9	.	.	PROPN
cjfa-18794	42	10	economy	economy	NOUN
cjfa-18794	42	11	attribute	attribute	NOUN
cjfa-18794	42	12	the	the	DET
cjfa-18794	42	13	increase	increase	NOUN
cjfa-18794	42	14	in	in	ADP
cjfa-18794	42	15	household	household	NOUN
cjfa-18794	42	16	debt	debt	NOUN
cjfa-18794	42	17	to	to	ADP
cjfa-18794	42	18	stagnant	stagnant	ADJ
cjfa-18794	42	19	real	real	ADJ
cjfa-18794	42	20	wages	wage	NOUN
cjfa-18794	42	21	and	and	CCONJ
cjfa-18794	42	22	cutbacks	cutback	NOUN
cjfa-18794	42	23	in	in	ADP
cjfa-18794	42	24	the	the	DET
cjfa-18794	42	25	welfare	welfare	NOUN
cjfa-18794	42	26	state	state	NOUN
cjfa-18794	42	27	that	that	PRON
cjfa-18794	42	28	motivated	motivate	VERB
cjfa-18794	42	29	individuals	individual	NOUN
cjfa-18794	42	30	to	to	PART
cjfa-18794	42	31	simulate	simulate	VERB
cjfa-18794	42	32	their	their	PRON
cjfa-18794	42	33	social	social	ADJ
cjfa-18794	42	34	class	class	NOUN
cjfa-18794	42	35	by	by	ADP
cjfa-18794	42	36	using	use	VERB
cjfa-18794	42	37	debt	debt	NOUN
cjfa-18794	42	38	(	(	PUNCT
cjfa-18794	42	39	barba	barba	PROPN
cjfa-18794	42	40	&	&	CCONJ
cjfa-18794	42	41	pivetti	pivetti	PROPN
cjfa-18794	42	42	,	,	PUNCT
cjfa-18794	42	43	2009	2009	NUM
cjfa-18794	42	44	,	,	PUNCT
cjfa-18794	42	45	pp	pp	ADV
cjfa-18794	42	46	.	.	PUNCT
cjfa-18794	43	1	121–122	121–122	NUM
cjfa-18794	43	2	;	;	PUNCT
cjfa-18794	43	3	leicht	leicht	PROPN
cjfa-18794	43	4	,	,	PUNCT
cjfa-18794	43	5	2012	2012	NUM
cjfa-18794	43	6	,	,	PUNCT
cjfa-18794	43	7	pp	pp	ADJ
cjfa-18794	43	8	.	.	PUNCT
cjfa-18794	44	1	204–206	204–206	NUM
cjfa-18794	44	2	)	)	PUNCT
cjfa-18794	44	3	.	.	PUNCT
cjfa-18794	45	1	finally	finally	ADV
cjfa-18794	45	2	,	,	PUNCT
cjfa-18794	45	3	the	the	DET
cjfa-18794	45	4	growth	growth	NOUN
cjfa-18794	45	5	of	of	ADP
cjfa-18794	45	6	household	household	NOUN
cjfa-18794	45	7	borrowing	borrowing	NOUN
cjfa-18794	45	8	would	would	AUX
cjfa-18794	45	9	not	not	PART
cjfa-18794	45	10	be	be	AUX
cjfa-18794	45	11	possible	possible	ADJ
cjfa-18794	45	12	without	without	ADP
cjfa-18794	45	13	a	a	DET
cjfa-18794	45	14	simultaneous	simultaneous	ADJ
cjfa-18794	45	15	improvement	improvement	NOUN
cjfa-18794	45	16	in	in	ADP
cjfa-18794	45	17	loan	loan	NOUN
cjfa-18794	45	18	production	production	NOUN
cjfa-18794	45	19	technology	technology	NOUN
cjfa-18794	45	20	,	,	PUNCT
cjfa-18794	45	21	including	include	VERB
cjfa-18794	45	22	in	in	ADP
cjfa-18794	45	23	particular	particular	ADJ
cjfa-18794	45	24	various	various	ADJ
cjfa-18794	45	25	risk	risk	NOUN
cjfa-18794	45	26	management	management	NOUN
cjfa-18794	45	27	innovations	innovation	NOUN
cjfa-18794	45	28	and	and	CCONJ
cjfa-18794	45	29	reductions	reduction	NOUN
cjfa-18794	45	30	in	in	ADP
cjfa-18794	45	31	distribution	distribution	NOUN
cjfa-18794	45	32	costs	cost	NOUN
cjfa-18794	45	33	,	,	PUNCT
cjfa-18794	45	34	nor	nor	CCONJ
cjfa-18794	45	35	without	without	ADP
cjfa-18794	45	36	a	a	DET
cjfa-18794	45	37	substantial	substantial	ADJ
cjfa-18794	45	38	development	development	NOUN
cjfa-18794	45	39	of	of	ADP
cjfa-18794	45	40	financial	financial	ADJ
cjfa-18794	45	41	services	service	NOUN
cjfa-18794	45	42	marketing	marketing	NOUN
cjfa-18794	45	43	and	and	CCONJ
cjfa-18794	45	44	the	the	DET
cjfa-18794	45	45	technology	technology	NOUN
cjfa-18794	45	46	of	of	ADP
cjfa-18794	45	47	persuasion	persuasion	NOUN
cjfa-18794	45	48	(	(	PUNCT
cjfa-18794	45	49	zinman	zinman	NOUN
cjfa-18794	45	50	,	,	PUNCT
cjfa-18794	45	51	2014	2014	NUM
cjfa-18794	45	52	,	,	PUNCT
cjfa-18794	45	53	pp	pp	ADJ
cjfa-18794	45	54	.	.	PUNCT
cjfa-18794	46	1	7–8	7–8	X
cjfa-18794	46	2	)	)	PUNCT
cjfa-18794	46	3	.	.	PUNCT
cjfa-18794	47	1	empirical	empirical	ADJ
cjfa-18794	47	2	evidence	evidence	NOUN
cjfa-18794	47	3	on	on	ADP
cjfa-18794	47	4	the	the	DET
cjfa-18794	47	5	determinants	determinant	NOUN
cjfa-18794	47	6	of	of	ADP
cjfa-18794	47	7	household	household	NOUN
cjfa-18794	47	8	indebtedness	indebtedness	NOUN
cjfa-18794	47	9	is	be	AUX
cjfa-18794	47	10	based	base	VERB
cjfa-18794	47	11	mostly	mostly	ADV
cjfa-18794	47	12	on	on	ADP
cjfa-18794	47	13	the	the	DET
cjfa-18794	47	14	analyses	analysis	NOUN
cjfa-18794	47	15	of	of	ADP
cjfa-18794	47	16	individual	individual	ADJ
cjfa-18794	47	17	countries	country	NOUN
cjfa-18794	47	18	or	or	CCONJ
cjfa-18794	47	19	relatively	relatively	ADV
cjfa-18794	47	20	narrow	narrow	ADJ
cjfa-18794	47	21	panels	panel	NOUN
cjfa-18794	47	22	,	,	PUNCT
cjfa-18794	47	23	which	which	PRON
cjfa-18794	47	24	sometimes	sometimes	ADV
cjfa-18794	47	25	leads	lead	VERB
cjfa-18794	47	26	to	to	ADP
cjfa-18794	47	27	ambiguous	ambiguous	ADJ
cjfa-18794	47	28	results	result	NOUN
cjfa-18794	47	29	.	.	PUNCT
cjfa-18794	48	1	by	by	ADP
cjfa-18794	48	2	contrast	contrast	NOUN
cjfa-18794	48	3	,	,	PUNCT
cjfa-18794	48	4	wide	wide	ADJ
cjfa-18794	48	5	cross	cross	ADJ
cjfa-18794	48	6	-	-	ADJ
cjfa-18794	48	7	sectional	sectional	ADJ
cjfa-18794	48	8	studies	study	NOUN
cjfa-18794	48	9	seem	seem	VERB
cjfa-18794	48	10	quite	quite	ADV
cjfa-18794	48	11	scarce	scarce	ADJ
cjfa-18794	48	12	.	.	PUNCT
cjfa-18794	49	1	given	give	VERB
cjfa-18794	49	2	the	the	DET
cjfa-18794	49	3	above	above	ADJ
cjfa-18794	49	4	,	,	PUNCT
cjfa-18794	49	5	the	the	DET
cjfa-18794	49	6	paper	paper	NOUN
cjfa-18794	49	7	aims	aim	VERB
cjfa-18794	49	8	at	at	ADP
cjfa-18794	49	9	empirical	empirical	ADJ
cjfa-18794	49	10	investigation	investigation	NOUN
cjfa-18794	49	11	of	of	ADP
cjfa-18794	49	12	the	the	DET
cjfa-18794	49	13	key	key	ADJ
cjfa-18794	49	14	macroeconomic	macroeconomic	ADJ
cjfa-18794	49	15	drivers	driver	NOUN
cjfa-18794	49	16	of	of	ADP
cjfa-18794	49	17	household	household	NOUN
cjfa-18794	49	18	indebtedness	indebtedness	NOUN
cjfa-18794	49	19	in	in	ADP
cjfa-18794	49	20	the	the	DET
cjfa-18794	49	21	oecd	oecd	PROPN
cjfa-18794	49	22	countries	country	NOUN
cjfa-18794	49	23	over	over	ADP
cjfa-18794	49	24	the	the	DET
cjfa-18794	49	25	period	period	NOUN
cjfa-18794	49	26	1996–2015	1996–2015	NUM
cjfa-18794	49	27	,	,	PUNCT
cjfa-18794	49	28	controlling	control	VERB
cjfa-18794	49	29	for	for	ADP
cjfa-18794	49	30	time	time	NOUN
cjfa-18794	49	31	-	-	PUNCT
cjfa-18794	49	32	invariant	invariant	ADJ
cjfa-18794	49	33	country	country	NOUN
cjfa-18794	49	34	-	-	PUNCT
cjfa-18794	49	35	specific	specific	ADJ
cjfa-18794	49	36	effects	effect	NOUN
cjfa-18794	49	37	,	,	PUNCT
cjfa-18794	49	38	in	in	ADP
cjfa-18794	49	39	search	search	NOUN
cjfa-18794	49	40	of	of	ADP
cjfa-18794	49	41	a	a	DET
cjfa-18794	49	42	more	more	ADV
cjfa-18794	49	43	general	general	ADJ
cjfa-18794	49	44	pattern	pattern	NOUN
cjfa-18794	49	45	of	of	ADP
cjfa-18794	49	46	this	this	DET
cjfa-18794	49	47	phenomenon	phenomenon	NOUN
cjfa-18794	49	48	.	.	PUNCT
cjfa-18794	50	1	the	the	DET
cjfa-18794	50	2	remainder	remainder	NOUN
cjfa-18794	50	3	of	of	ADP
cjfa-18794	50	4	the	the	DET
cjfa-18794	50	5	paper	paper	NOUN
cjfa-18794	50	6	is	be	AUX
cjfa-18794	50	7	composed	compose	VERB
cjfa-18794	50	8	of	of	ADP
cjfa-18794	50	9	four	four	NUM
cjfa-18794	50	10	sections	section	NOUN
cjfa-18794	50	11	.	.	PUNCT
cjfa-18794	51	1	the	the	DET
cjfa-18794	51	2	next	next	ADJ
cjfa-18794	51	3	section	section	NOUN
cjfa-18794	51	4	provides	provide	VERB
cjfa-18794	51	5	a	a	DET
cjfa-18794	51	6	review	review	NOUN
cjfa-18794	51	7	of	of	ADP
cjfa-18794	51	8	the	the	DET
cjfa-18794	51	9	relevant	relevant	ADJ
cjfa-18794	51	10	literature	literature	NOUN
cjfa-18794	51	11	on	on	ADP
cjfa-18794	51	12	the	the	DET
cjfa-18794	51	13	key	key	ADJ
cjfa-18794	51	14	drivers	driver	NOUN
cjfa-18794	51	15	of	of	ADP
cjfa-18794	51	16	household	household	NOUN
cjfa-18794	51	17	indebtedness	indebtedness	NOUN
cjfa-18794	51	18	.	.	PUNCT
cjfa-18794	52	1	the	the	DET
cjfa-18794	52	2	methodological	methodological	ADJ
cjfa-18794	52	3	framework	framework	NOUN
cjfa-18794	52	4	of	of	ADP
cjfa-18794	52	5	the	the	DET
cjfa-18794	52	6	study	study	NOUN
cjfa-18794	52	7	and	and	CCONJ
cjfa-18794	52	8	data	datum	NOUN
cjfa-18794	52	9	selection	selection	NOUN
cjfa-18794	52	10	procedures	procedure	NOUN
cjfa-18794	52	11	are	be	AUX
cjfa-18794	52	12	described	describe	VERB
cjfa-18794	52	13	in	in	ADP
cjfa-18794	52	14	the	the	DET
cjfa-18794	52	15	third	third	ADJ
cjfa-18794	52	16	section	section	NOUN
cjfa-18794	52	17	.	.	PUNCT
cjfa-18794	53	1	fourth	fourth	ADJ
cjfa-18794	53	2	section	section	NOUN
cjfa-18794	53	3	presents	present	VERB
cjfa-18794	53	4	and	and	CCONJ
cjfa-18794	53	5	discusses	discuss	VERB
cjfa-18794	53	6	the	the	DET
cjfa-18794	53	7	key	key	ADJ
cjfa-18794	53	8	findings	finding	NOUN
cjfa-18794	53	9	.	.	PUNCT
cjfa-18794	54	1	the	the	DET
cjfa-18794	54	2	paper	paper	NOUN
cjfa-18794	54	3	is	be	AUX
cjfa-18794	54	4	closed	close	VERB
cjfa-18794	54	5	with	with	ADP
cjfa-18794	54	6	conclusions	conclusion	NOUN
cjfa-18794	54	7	and	and	CCONJ
cjfa-18794	54	8	suggestions	suggestion	NOUN
cjfa-18794	54	9	on	on	ADP
cjfa-18794	54	10	the	the	DET
cjfa-18794	54	11	directions	direction	NOUN
cjfa-18794	54	12	of	of	ADP
cjfa-18794	54	13	future	future	ADJ
cjfa-18794	54	14	research	research	NOUN
cjfa-18794	54	15	.	.	PUNCT
cjfa-18794	55	1	the	the	DET
cjfa-18794	55	2	literature	literature	PROPN
cjfa-18794	55	3	review	review	NOUN
cjfa-18794	55	4	under	under	ADP
cjfa-18794	55	5	the	the	DET
cjfa-18794	55	6	modigliani	modigliani	NOUN
cjfa-18794	55	7	and	and	CCONJ
cjfa-18794	55	8	brumberg	brumberg	PROPN
cjfa-18794	55	9	(	(	PUNCT
cjfa-18794	55	10	1954	1954	NUM
cjfa-18794	55	11	,	,	PUNCT
cjfa-18794	55	12	pp	pp	ADJ
cjfa-18794	55	13	.	.	PUNCT
cjfa-18794	56	1	388–436	388–436	NUM
cjfa-18794	56	2	)	)	PUNCT
cjfa-18794	56	3	life	life	NOUN
cjfa-18794	56	4	cycle	cycle	NOUN
cjfa-18794	56	5	model	model	NOUN
cjfa-18794	56	6	of	of	ADP
cjfa-18794	56	7	consumption	consumption	NOUN
cjfa-18794	56	8	household	household	NOUN
cjfa-18794	56	9	indebtedness	indebtedness	NOUN
cjfa-18794	56	10	depends	depend	VERB
cjfa-18794	56	11	on	on	ADP
cjfa-18794	56	12	the	the	DET
cjfa-18794	56	13	age	age	NOUN
cjfa-18794	56	14	structure	structure	NOUN
cjfa-18794	56	15	of	of	ADP
cjfa-18794	56	16	the	the	DET
cjfa-18794	56	17	population	population	NOUN
cjfa-18794	56	18	,	,	PUNCT
cjfa-18794	56	19	the	the	DET
cjfa-18794	56	20	stock	stock	NOUN
cjfa-18794	56	21	of	of	ADP
cjfa-18794	56	22	savings	saving	NOUN
cjfa-18794	56	23	,	,	PUNCT
cjfa-18794	56	24	and	and	CCONJ
cjfa-18794	56	25	transitory	transitory	ADJ
cjfa-18794	56	26	income	income	NOUN
cjfa-18794	56	27	shocks	shock	NOUN
cjfa-18794	56	28	.	.	PUNCT
cjfa-18794	57	1	the	the	DET
cjfa-18794	57	2	highest	high	ADJ
cjfa-18794	57	3	indebtedness	indebtedness	NOUN
cjfa-18794	57	4	is	be	AUX
cjfa-18794	57	5	expected	expect	VERB
cjfa-18794	57	6	for	for	ADP
cjfa-18794	57	7	young	young	ADJ
cjfa-18794	57	8	households	household	NOUN
cjfa-18794	57	9	,	,	PUNCT
cjfa-18794	57	10	with	with	ADP
cjfa-18794	57	11	no	no	PRON
cjfa-18794	57	12	or	or	CCONJ
cjfa-18794	57	13	low	low	ADJ
cjfa-18794	57	14	savings	saving	NOUN
cjfa-18794	57	15	,	,	PUNCT
cjfa-18794	57	16	incomes	income	NOUN
cjfa-18794	57	17	below	below	ADP
cjfa-18794	57	18	the	the	DET
cjfa-18794	57	19	level	level	NOUN
cjfa-18794	57	20	required	require	VERB
cjfa-18794	57	21	to	to	PART
cjfa-18794	57	22	ensure	ensure	VERB
cjfa-18794	57	23	an	an	DET
cjfa-18794	57	24	optimal	optimal	ADJ
cjfa-18794	57	25	life	life	NOUN
cjfa-18794	57	26	-	-	PUNCT
cjfa-18794	57	27	time	time	NOUN
cjfa-18794	57	28	consumption	consumption	NOUN
cjfa-18794	57	29	,	,	PUNCT
cjfa-18794	57	30	and	and	CCONJ
cjfa-18794	57	31	therefore	therefore	ADV
cjfa-18794	57	32	using	use	VERB
cjfa-18794	57	33	debt	debt	NOUN
cjfa-18794	57	34	for	for	ADP
cjfa-18794	57	35	consumption	consumption	NOUN
cjfa-18794	57	36	smoothing	smoothing	NOUN
cjfa-18794	57	37	.	.	PUNCT
cjfa-18794	58	1	consistent	consistent	ADJ
cjfa-18794	58	2	with	with	ADP
cjfa-18794	58	3	this	this	DET
cjfa-18794	58	4	model	model	NOUN
cjfa-18794	58	5	,	,	PUNCT
cjfa-18794	58	6	piotr	piotr	PROPN
cjfa-18794	58	7	bolibok32	bolibok32	PROPN
cjfa-18794	58	8	thaicharoen	thaicharoen	PROPN
cjfa-18794	58	9	,	,	PUNCT
cjfa-18794	58	10	ariyapruchya	ariyapruchya	PROPN
cjfa-18794	58	11	,	,	PUNCT
cjfa-18794	58	12	chuched	chuche	VERB
cjfa-18794	58	13	(	(	PUNCT
cjfa-18794	58	14	2004	2004	NUM
cjfa-18794	58	15	,	,	PUNCT
cjfa-18794	58	16	pp	pp	ADJ
cjfa-18794	58	17	.	.	PUNCT
cjfa-18794	59	1	9–10	9–10	NOUN
cjfa-18794	59	2	)	)	PUNCT
cjfa-18794	59	3	demonstrate	demonstrate	VERB
cjfa-18794	59	4	that	that	SCONJ
cjfa-18794	59	5	dti	dti	PROPN
cjfa-18794	59	6	ratio	ratio	PROPN
cjfa-18794	59	7	in	in	ADP
cjfa-18794	59	8	thailand	thailand	PROPN
cjfa-18794	59	9	steadily	steadily	ADV
cjfa-18794	59	10	increases	increase	VERB
cjfa-18794	59	11	until	until	ADP
cjfa-18794	59	12	the	the	DET
cjfa-18794	59	13	middle	middle	ADJ
cjfa-18794	59	14	-	-	PUNCT
cjfa-18794	59	15	aged	aged	ADJ
cjfa-18794	59	16	cohorts	cohort	NOUN
cjfa-18794	59	17	,	,	PUNCT
cjfa-18794	59	18	beyond	beyond	ADP
cjfa-18794	59	19	which	which	PRON
cjfa-18794	59	20	it	it	PRON
cjfa-18794	59	21	starts	start	VERB
cjfa-18794	59	22	to	to	PART
cjfa-18794	59	23	decline	decline	VERB
cjfa-18794	59	24	.	.	PUNCT
cjfa-18794	60	1	additionally	additionally	ADV
cjfa-18794	60	2	,	,	PUNCT
cjfa-18794	60	3	they	they	PRON
cjfa-18794	60	4	find	find	VERB
cjfa-18794	60	5	that	that	SCONJ
cjfa-18794	60	6	indebtedness	indebtedness	NOUN
cjfa-18794	60	7	is	be	AUX
cjfa-18794	60	8	positively	positively	ADV
cjfa-18794	60	9	related	relate	VERB
cjfa-18794	60	10	to	to	ADP
cjfa-18794	60	11	educational	educational	ADJ
cjfa-18794	60	12	attainment	attainment	NOUN
cjfa-18794	60	13	,	,	PUNCT
cjfa-18794	60	14	household	household	NOUN
cjfa-18794	60	15	size	size	NOUN
cjfa-18794	60	16	,	,	PUNCT
cjfa-18794	60	17	and	and	CCONJ
cjfa-18794	60	18	housing	housing	NOUN
cjfa-18794	60	19	tenure	tenure	NOUN
cjfa-18794	60	20	,	,	PUNCT
cjfa-18794	60	21	while	while	SCONJ
cjfa-18794	60	22	being	be	AUX
cjfa-18794	60	23	negatively	negatively	ADV
cjfa-18794	60	24	associated	associate	VERB
cjfa-18794	60	25	with	with	ADP
cjfa-18794	60	26	interest	interest	NOUN
cjfa-18794	60	27	rates	rate	NOUN
cjfa-18794	60	28	.	.	PUNCT
cjfa-18794	61	1	some	some	DET
cjfa-18794	61	2	further	further	ADJ
cjfa-18794	61	3	evidence	evidence	NOUN
cjfa-18794	61	4	supporting	support	VERB
cjfa-18794	61	5	the	the	DET
cjfa-18794	61	6	model	model	NOUN
cjfa-18794	61	7	can	can	AUX
cjfa-18794	61	8	be	be	AUX
cjfa-18794	61	9	found	find	VERB
cjfa-18794	61	10	in	in	ADP
cjfa-18794	61	11	magri	magri	NOUN
cjfa-18794	61	12	(	(	PUNCT
cjfa-18794	61	13	2007	2007	NUM
cjfa-18794	61	14	,	,	PUNCT
cjfa-18794	61	15	p.	p.	NOUN
cjfa-18794	61	16	401	401	NUM
cjfa-18794	61	17	)	)	PUNCT
cjfa-18794	61	18	who	who	PRON
cjfa-18794	61	19	argues	argue	VERB
cjfa-18794	61	20	that	that	SCONJ
cjfa-18794	61	21	the	the	DET
cjfa-18794	61	22	demand	demand	NOUN
cjfa-18794	61	23	for	for	ADP
cjfa-18794	61	24	bank	bank	NOUN
cjfa-18794	61	25	loans	loan	NOUN
cjfa-18794	61	26	in	in	ADP
cjfa-18794	61	27	italy	italy	PROPN
cjfa-18794	61	28	is	be	AUX
cjfa-18794	61	29	determined	determine	VERB
cjfa-18794	61	30	by	by	ADP
cjfa-18794	61	31	the	the	DET
cjfa-18794	61	32	age	age	NOUN
cjfa-18794	61	33	of	of	ADP
cjfa-18794	61	34	household	household	NOUN
cjfa-18794	61	35	head	head	NOUN
cjfa-18794	61	36	(	(	PUNCT
cjfa-18794	61	37	reaching	reach	VERB
cjfa-18794	61	38	its	its	PRON
cjfa-18794	61	39	peak	peak	NOUN
cjfa-18794	61	40	at	at	ADP
cjfa-18794	61	41	around	around	ADP
cjfa-18794	61	42	the	the	DET
cjfa-18794	61	43	age	age	NOUN
cjfa-18794	61	44	of	of	ADP
cjfa-18794	61	45	30	30	NUM
cjfa-18794	61	46	)	)	PUNCT
cjfa-18794	61	47	while	while	SCONJ
cjfa-18794	61	48	the	the	DET
cjfa-18794	61	49	size	size	NOUN
cjfa-18794	61	50	of	of	ADP
cjfa-18794	61	51	a	a	DET
cjfa-18794	61	52	loan	loan	NOUN
cjfa-18794	61	53	determined	determine	VERB
cjfa-18794	61	54	by	by	ADP
cjfa-18794	61	55	household	household	NOUN
cjfa-18794	61	56	’s	’s	PART
cjfa-18794	61	57	net	net	ADJ
cjfa-18794	61	58	wealth	wealth	NOUN
cjfa-18794	61	59	and	and	CCONJ
cjfa-18794	61	60	income	income	NOUN
cjfa-18794	61	61	profile	profile	NOUN
cjfa-18794	61	62	.	.	PUNCT
cjfa-18794	62	1	in	in	ADP
cjfa-18794	62	2	turn	turn	NOUN
cjfa-18794	62	3	,	,	PUNCT
cjfa-18794	62	4	a	a	DET
cjfa-18794	62	5	comparative	comparative	ADJ
cjfa-18794	62	6	study	study	NOUN
cjfa-18794	62	7	of	of	ADP
cjfa-18794	62	8	the	the	DET
cjfa-18794	62	9	uk	uk	PROPN
cjfa-18794	62	10	,	,	PUNCT
cjfa-18794	62	11	germany	germany	PROPN
cjfa-18794	62	12	and	and	CCONJ
cjfa-18794	62	13	the	the	DET
cjfa-18794	62	14	u.s	u.s	PROPN
cjfa-18794	62	15	.	.	PROPN
cjfa-18794	62	16	by	by	ADP
cjfa-18794	62	17	brown	brown	PROPN
cjfa-18794	62	18	and	and	CCONJ
cjfa-18794	62	19	taylor	taylor	PROPN
cjfa-18794	62	20	(	(	PUNCT
cjfa-18794	62	21	2008	2008	NUM
cjfa-18794	62	22	,	,	PUNCT
cjfa-18794	62	23	pp	pp	ADJ
cjfa-18794	62	24	.	.	PUNCT
cjfa-18794	63	1	633–640	633–640	NUM
cjfa-18794	63	2	)	)	PUNCT
cjfa-18794	63	3	demonstrates	demonstrate	VERB
cjfa-18794	63	4	that	that	SCONJ
cjfa-18794	63	5	indebtedness	indebtedness	NOUN
cjfa-18794	63	6	is	be	AUX
cjfa-18794	63	7	driven	drive	VERB
cjfa-18794	63	8	mostly	mostly	ADV
cjfa-18794	63	9	by	by	ADP
cjfa-18794	63	10	income	income	NOUN
cjfa-18794	63	11	and	and	CCONJ
cjfa-18794	63	12	the	the	DET
cjfa-18794	63	13	household	household	NOUN
cjfa-18794	63	14	size	size	NOUN
cjfa-18794	63	15	,	,	PUNCT
cjfa-18794	63	16	while	while	SCONJ
cjfa-18794	63	17	the	the	DET
cjfa-18794	63	18	impact	impact	NOUN
cjfa-18794	63	19	of	of	ADP
cjfa-18794	63	20	household	household	NOUN
cjfa-18794	63	21	head	head	NOUN
cjfa-18794	63	22	age	age	NOUN
cjfa-18794	63	23	differs	differ	VERB
cjfa-18794	63	24	across	across	ADP
cjfa-18794	63	25	countries	country	NOUN
cjfa-18794	63	26	.	.	PUNCT
cjfa-18794	64	1	jacobsen	jacobsen	PROPN
cjfa-18794	64	2	(	(	PUNCT
cjfa-18794	64	3	2004	2004	NUM
cjfa-18794	64	4	,	,	PUNCT
cjfa-18794	64	5	pp	pp	ADJ
cjfa-18794	64	6	.	.	PUNCT
cjfa-18794	65	1	108–109	108–109	NUM
cjfa-18794	65	2	)	)	PUNCT
cjfa-18794	65	3	finds	find	VERB
cjfa-18794	65	4	the	the	DET
cjfa-18794	65	5	household	household	NOUN
cjfa-18794	65	6	debt	debt	NOUN
cjfa-18794	65	7	in	in	ADP
cjfa-18794	65	8	norway	norway	PROPN
cjfa-18794	65	9	to	to	PART
cjfa-18794	65	10	be	be	AUX
cjfa-18794	65	11	positively	positively	ADV
cjfa-18794	65	12	related	relate	VERB
cjfa-18794	65	13	to	to	ADP
cjfa-18794	65	14	house	house	NOUN
cjfa-18794	65	15	prices	price	NOUN
cjfa-18794	65	16	,	,	PUNCT
cjfa-18794	65	17	the	the	DET
cjfa-18794	65	18	real	real	ADJ
cjfa-18794	65	19	value	value	NOUN
cjfa-18794	65	20	of	of	ADP
cjfa-18794	65	21	housing	housing	NOUN
cjfa-18794	65	22	stock	stock	NOUN
cjfa-18794	65	23	,	,	PUNCT
cjfa-18794	65	24	the	the	DET
cjfa-18794	65	25	number	number	NOUN
cjfa-18794	65	26	of	of	ADP
cjfa-18794	65	27	house	house	NOUN
cjfa-18794	65	28	sales	sale	NOUN
cjfa-18794	65	29	,	,	PUNCT
cjfa-18794	65	30	the	the	DET
cjfa-18794	65	31	total	total	ADJ
cjfa-18794	65	32	wage	wage	NOUN
cjfa-18794	65	33	income	income	NOUN
cjfa-18794	65	34	in	in	ADP
cjfa-18794	65	35	the	the	DET
cjfa-18794	65	36	economy	economy	NOUN
cjfa-18794	65	37	,	,	PUNCT
cjfa-18794	65	38	and	and	CCONJ
cjfa-18794	65	39	the	the	DET
cjfa-18794	65	40	share	share	NOUN
cjfa-18794	65	41	of	of	ADP
cjfa-18794	65	42	university	university	NOUN
cjfa-18794	65	43	students	student	NOUN
cjfa-18794	65	44	in	in	ADP
cjfa-18794	65	45	the	the	DET
cjfa-18794	65	46	population	population	NOUN
cjfa-18794	65	47	(	(	PUNCT
cjfa-18794	65	48	as	as	ADP
cjfa-18794	65	49	persons	person	NOUN
cjfa-18794	65	50	with	with	ADP
cjfa-18794	65	51	higher	high	ADJ
cjfa-18794	65	52	education	education	NOUN
cjfa-18794	65	53	typically	typically	ADV
cjfa-18794	65	54	take	take	VERB
cjfa-18794	65	55	out	out	ADP
cjfa-18794	65	56	higher	high	ADJ
cjfa-18794	65	57	residential	residential	ADJ
cjfa-18794	65	58	loans	loan	NOUN
cjfa-18794	65	59	)	)	PUNCT
cjfa-18794	65	60	,	,	PUNCT
cjfa-18794	65	61	whereas	whereas	SCONJ
cjfa-18794	65	62	bank	bank	NOUN
cjfa-18794	65	63	lending	lending	NOUN
cjfa-18794	65	64	rate	rate	NOUN
cjfa-18794	65	65	and	and	CCONJ
cjfa-18794	65	66	the	the	DET
cjfa-18794	65	67	rate	rate	NOUN
cjfa-18794	65	68	of	of	ADP
cjfa-18794	65	69	unemployment	unemployment	NOUN
cjfa-18794	65	70	affect	affect	VERB
cjfa-18794	65	71	it	it	PRON
cjfa-18794	65	72	negatively	negatively	ADV
cjfa-18794	65	73	.	.	PUNCT
cjfa-18794	66	1	dynan	dynan	PROPN
cjfa-18794	66	2	and	and	CCONJ
cjfa-18794	66	3	kohn	kohn	PROPN
cjfa-18794	66	4	(	(	PUNCT
cjfa-18794	66	5	2007	2007	NUM
cjfa-18794	66	6	,	,	PUNCT
cjfa-18794	66	7	pp	pp	ADJ
cjfa-18794	66	8	.	.	PUNCT
cjfa-18794	67	1	30–32	30–32	NUM
cjfa-18794	67	2	)	)	PUNCT
cjfa-18794	67	3	attribute	attribute	NOUN
cjfa-18794	67	4	the	the	DET
cjfa-18794	67	5	growth	growth	NOUN
cjfa-18794	67	6	of	of	ADP
cjfa-18794	67	7	household	household	NOUN
cjfa-18794	67	8	dti	dti	PROPN
cjfa-18794	67	9	ratio	ratio	NOUN
cjfa-18794	67	10	in	in	ADP
cjfa-18794	67	11	the	the	DET
cjfa-18794	67	12	u.s	u.s	PROPN
cjfa-18794	67	13	.	.	PROPN
cjfa-18794	67	14	to	to	ADP
cjfa-18794	67	15	the	the	DET
cjfa-18794	67	16	combination	combination	NOUN
cjfa-18794	67	17	of	of	ADP
cjfa-18794	67	18	growing	grow	VERB
cjfa-18794	67	19	house	house	NOUN
cjfa-18794	67	20	prices	price	NOUN
cjfa-18794	67	21	,	,	PUNCT
cjfa-18794	67	22	declining	decline	VERB
cjfa-18794	67	23	long	long	ADJ
cjfa-18794	67	24	-	-	PUNCT
cjfa-18794	67	25	term	term	NOUN
cjfa-18794	67	26	interest	interest	NOUN
cjfa-18794	67	27	rates	rate	NOUN
cjfa-18794	67	28	,	,	PUNCT
cjfa-18794	67	29	increases	increase	NOUN
cjfa-18794	67	30	in	in	ADP
cjfa-18794	67	31	expected	expect	VERB
cjfa-18794	67	32	incomes	income	NOUN
cjfa-18794	67	33	,	,	PUNCT
cjfa-18794	67	34	better	well	ADJ
cjfa-18794	67	35	educational	educational	ADJ
cjfa-18794	67	36	attainment	attainment	NOUN
cjfa-18794	67	37	,	,	PUNCT
cjfa-18794	67	38	changes	change	NOUN
cjfa-18794	67	39	in	in	ADP
cjfa-18794	67	40	the	the	DET
cjfa-18794	67	41	age	age	NOUN
cjfa-18794	67	42	structure	structure	NOUN
cjfa-18794	67	43	of	of	ADP
cjfa-18794	67	44	the	the	DET
cjfa-18794	67	45	population	population	NOUN
cjfa-18794	67	46	,	,	PUNCT
cjfa-18794	67	47	and	and	CCONJ
cjfa-18794	67	48	financial	financial	ADJ
cjfa-18794	67	49	innovation	innovation	NOUN
cjfa-18794	67	50	that	that	PRON
cjfa-18794	67	51	has	have	AUX
cjfa-18794	67	52	enhanced	enhance	VERB
cjfa-18794	67	53	the	the	DET
cjfa-18794	67	54	availability	availability	NOUN
cjfa-18794	67	55	of	of	ADP
cjfa-18794	67	56	housing	housing	NOUN
cjfa-18794	67	57	finance	finance	NOUN
cjfa-18794	67	58	and	and	CCONJ
cjfa-18794	67	59	lowered	lower	VERB
cjfa-18794	67	60	its	its	PRON
cjfa-18794	67	61	costs	cost	NOUN
cjfa-18794	67	62	.	.	PUNCT
cjfa-18794	68	1	in	in	ADP
cjfa-18794	68	2	turn	turn	NOUN
cjfa-18794	68	3	,	,	PUNCT
cjfa-18794	68	4	turinetti	turinetti	PROPN
cjfa-18794	68	5	and	and	CCONJ
cjfa-18794	68	6	zhuang	zhuang	PROPN
cjfa-18794	68	7	(	(	PUNCT
cjfa-18794	68	8	2011	2011	NUM
cjfa-18794	68	9	,	,	PUNCT
cjfa-18794	68	10	pp	pp	ADV
cjfa-18794	68	11	.	.	PUNCT
cjfa-18794	68	12	89–91	89–91	NUM
cjfa-18794	68	13	)	)	PUNCT
cjfa-18794	68	14	argue	argue	VERB
cjfa-18794	68	15	that	that	SCONJ
cjfa-18794	68	16	the	the	DET
cjfa-18794	68	17	u.s	u.s	PROPN
cjfa-18794	68	18	.	.	PROPN
cjfa-18794	68	19	household	household	NOUN
cjfa-18794	68	20	debt	debt	NOUN
cjfa-18794	68	21	is	be	AUX
cjfa-18794	68	22	negatively	negatively	ADV
cjfa-18794	68	23	related	relate	VERB
cjfa-18794	68	24	to	to	ADP
cjfa-18794	68	25	the	the	DET
cjfa-18794	68	26	unemployment	unemployment	NOUN
cjfa-18794	68	27	rate	rate	NOUN
cjfa-18794	68	28	,	,	PUNCT
cjfa-18794	68	29	interest	interest	NOUN
cjfa-18794	68	30	rate	rate	NOUN
cjfa-18794	68	31	,	,	PUNCT
cjfa-18794	68	32	disposable	disposable	ADJ
cjfa-18794	68	33	personal	personal	ADJ
cjfa-18794	68	34	income	income	NOUN
cjfa-18794	68	35	per	per	ADP
cjfa-18794	68	36	capita	capita	NOUN
cjfa-18794	68	37	,	,	PUNCT
cjfa-18794	68	38	the	the	DET
cjfa-18794	68	39	share	share	NOUN
cjfa-18794	68	40	of	of	ADP
cjfa-18794	68	41	retiring	retire	VERB
cjfa-18794	68	42	population	population	NOUN
cjfa-18794	68	43	,	,	PUNCT
cjfa-18794	68	44	and	and	CCONJ
cjfa-18794	68	45	educational	educational	ADJ
cjfa-18794	68	46	attainment	attainment	NOUN
cjfa-18794	68	47	,	,	PUNCT
cjfa-18794	68	48	while	while	SCONJ
cjfa-18794	68	49	being	be	AUX
cjfa-18794	68	50	positively	positively	ADV
cjfa-18794	68	51	related	relate	VERB
cjfa-18794	68	52	to	to	ADP
cjfa-18794	68	53	housing	housing	NOUN
cjfa-18794	68	54	prices	price	NOUN
cjfa-18794	68	55	,	,	PUNCT
cjfa-18794	68	56	the	the	DET
cjfa-18794	68	57	share	share	NOUN
cjfa-18794	68	58	of	of	ADP
cjfa-18794	68	59	working	work	VERB
cjfa-18794	68	60	-	-	PUNCT
cjfa-18794	68	61	age	age	NOUN
cjfa-18794	68	62	population	population	NOUN
cjfa-18794	68	63	,	,	PUNCT
cjfa-18794	68	64	and	and	CCONJ
cjfa-18794	68	65	consumer	consumer	NOUN
cjfa-18794	68	66	confidence	confidence	NOUN
cjfa-18794	68	67	.	.	PUNCT
cjfa-18794	69	1	the	the	DET
cjfa-18794	69	2	evidence	evidence	NOUN
cjfa-18794	69	3	from	from	ADP
cjfa-18794	69	4	emerging	emerge	VERB
cjfa-18794	69	5	economies	economy	NOUN
cjfa-18794	69	6	seems	seem	VERB
cjfa-18794	69	7	quite	quite	ADV
cjfa-18794	69	8	similar	similar	ADJ
cjfa-18794	69	9	.	.	PUNCT
cjfa-18794	70	1	a	a	DET
cjfa-18794	70	2	study	study	NOUN
cjfa-18794	70	3	on	on	ADP
cjfa-18794	70	4	the	the	DET
cjfa-18794	70	5	household	household	NOUN
cjfa-18794	70	6	residential	residential	ADJ
cjfa-18794	70	7	debt	debt	NOUN
cjfa-18794	70	8	in	in	ADP
cjfa-18794	70	9	poland	poland	PROPN
cjfa-18794	70	10	by	by	ADP
cjfa-18794	70	11	bolibok	bolibok	PROPN
cjfa-18794	70	12	(	(	PUNCT
cjfa-18794	70	13	2015	2015	NUM
cjfa-18794	70	14	,	,	PUNCT
cjfa-18794	70	15	pp	pp	ADJ
cjfa-18794	70	16	.	.	PUNCT
cjfa-18794	71	1	604–606	604–606	NUM
cjfa-18794	71	2	)	)	PUNCT
cjfa-18794	71	3	also	also	ADV
cjfa-18794	71	4	reports	report	VERB
cjfa-18794	71	5	its	its	PRON
cjfa-18794	71	6	negative	negative	ADJ
cjfa-18794	71	7	association	association	NOUN
cjfa-18794	71	8	with	with	ADP
cjfa-18794	71	9	market	market	NOUN
cjfa-18794	71	10	interest	interest	NOUN
cjfa-18794	71	11	rates	rate	NOUN
cjfa-18794	71	12	,	,	PUNCT
cjfa-18794	71	13	relative	relative	ADJ
cjfa-18794	71	14	prices	price	NOUN
cjfa-18794	71	15	of	of	ADP
cjfa-18794	71	16	dwellings	dwelling	NOUN
cjfa-18794	71	17	,	,	PUNCT
cjfa-18794	71	18	and	and	CCONJ
cjfa-18794	71	19	unemployment	unemployment	NOUN
cjfa-18794	71	20	rate	rate	NOUN
cjfa-18794	71	21	,	,	PUNCT
cjfa-18794	71	22	as	as	ADV
cjfa-18794	71	23	well	well	ADV
cjfa-18794	71	24	as	as	ADP
cjfa-18794	71	25	a	a	DET
cjfa-18794	71	26	positive	positive	ADJ
cjfa-18794	71	27	impact	impact	NOUN
cjfa-18794	71	28	of	of	ADP
cjfa-18794	71	29	population	population	NOUN
cjfa-18794	71	30	growth	growth	NOUN
cjfa-18794	71	31	(	(	PUNCT
cjfa-18794	71	32	in	in	ADP
cjfa-18794	71	33	particular	particular	ADJ
cjfa-18794	71	34	in	in	ADP
cjfa-18794	71	35	the	the	DET
cjfa-18794	71	36	cohort	cohort	NOUN
cjfa-18794	71	37	of	of	ADP
cjfa-18794	71	38	24–34	24–34	NUM
cjfa-18794	71	39	years	year	NOUN
cjfa-18794	71	40	old	old	ADJ
cjfa-18794	71	41	)	)	PUNCT
cjfa-18794	71	42	,	,	PUNCT
cjfa-18794	71	43	and	and	CCONJ
cjfa-18794	71	44	the	the	DET
cjfa-18794	71	45	number	number	NOUN
cjfa-18794	71	46	of	of	ADP
cjfa-18794	71	47	new	new	ADJ
cjfa-18794	71	48	builds	build	NOUN
cjfa-18794	71	49	of	of	ADP
cjfa-18794	71	50	residential	residential	ADJ
cjfa-18794	71	51	buildings	building	NOUN
cjfa-18794	71	52	.	.	PUNCT
cjfa-18794	72	1	many	many	ADJ
cjfa-18794	72	2	studies	study	NOUN
cjfa-18794	72	3	attribute	attribute	VERB
cjfa-18794	72	4	a	a	DET
cjfa-18794	72	5	significant	significant	ADJ
cjfa-18794	72	6	increase	increase	NOUN
cjfa-18794	72	7	in	in	ADP
cjfa-18794	72	8	household	household	NOUN
cjfa-18794	72	9	indebtedness	indebtedness	NOUN
cjfa-18794	72	10	prior	prior	ADV
cjfa-18794	72	11	to	to	ADP
cjfa-18794	72	12	the	the	DET
cjfa-18794	72	13	recent	recent	ADJ
cjfa-18794	72	14	global	global	ADJ
cjfa-18794	72	15	financial	financial	ADJ
cjfa-18794	72	16	crisis	crisis	NOUN
cjfa-18794	72	17	to	to	ADP
cjfa-18794	72	18	an	an	DET
cjfa-18794	72	19	overall	overall	ADJ
cjfa-18794	72	20	reduction	reduction	NOUN
cjfa-18794	72	21	in	in	ADP
cjfa-18794	72	22	macroeconomic	macroeconomic	ADJ
cjfa-18794	72	23	volatility	volatility	NOUN
cjfa-18794	72	24	.	.	PUNCT
cjfa-18794	73	1	for	for	ADP
cjfa-18794	73	2	instance	instance	NOUN
cjfa-18794	73	3	,	,	PUNCT
cjfa-18794	73	4	bloxham	bloxham	PROPN
cjfa-18794	73	5	and	and	CCONJ
cjfa-18794	73	6	kent	kent	PROPN
cjfa-18794	73	7	(	(	PUNCT
cjfa-18794	73	8	2009	2009	NUM
cjfa-18794	73	9	,	,	PUNCT
cjfa-18794	73	10	pp	pp	ADV
cjfa-18794	73	11	.	.	PUNCT
cjfa-18794	74	1	329–330	329–330	NUM
cjfa-18794	74	2	)	)	PUNCT
cjfa-18794	74	3	identify	identify	VERB
cjfa-18794	74	4	falling	fall	VERB
cjfa-18794	74	5	the	the	DET
cjfa-18794	74	6	macroeconomic	macroeconomic	ADJ
cjfa-18794	74	7	drivers	driver	NOUN
cjfa-18794	74	8	of	of	ADP
cjfa-18794	74	9	household	household	NOUN
cjfa-18794	74	10	debt	debt	NOUN
cjfa-18794	74	11	-	-	PUNCT
cjfa-18794	74	12	to	to	ADP
cjfa-18794	74	13	-	-	PUNCT
cjfa-18794	74	14	income	income	NOUN
cjfa-18794	74	15	ratio	ratio	NOUN
cjfa-18794	74	16	…	…	PUNCT
cjfa-18794	74	17	33	33	NUM
cjfa-18794	74	18	unemployment	unemployment	NOUN
cjfa-18794	74	19	,	,	PUNCT
cjfa-18794	74	20	inflation	inflation	NOUN
cjfa-18794	74	21	,	,	PUNCT
cjfa-18794	74	22	and	and	CCONJ
cjfa-18794	74	23	interest	interest	NOUN
cjfa-18794	74	24	rates	rate	NOUN
cjfa-18794	74	25	as	as	ADP
cjfa-18794	74	26	the	the	DET
cjfa-18794	74	27	key	key	ADJ
cjfa-18794	74	28	macroeconomic	macroeconomic	ADJ
cjfa-18794	74	29	drivers	driver	NOUN
cjfa-18794	74	30	of	of	ADP
cjfa-18794	74	31	household	household	NOUN
cjfa-18794	74	32	dti	dti	PROPN
cjfa-18794	74	33	ratio	ratio	NOUN
cjfa-18794	74	34	in	in	ADP
cjfa-18794	74	35	australia	australia	PROPN
cjfa-18794	74	36	.	.	PUNCT
cjfa-18794	75	1	they	they	PRON
cjfa-18794	75	2	also	also	ADV
cjfa-18794	75	3	argue	argue	VERB
cjfa-18794	75	4	that	that	SCONJ
cjfa-18794	75	5	indebtedness	indebtedness	NOUN
cjfa-18794	75	6	is	be	AUX
cjfa-18794	75	7	driven	drive	VERB
cjfa-18794	75	8	by	by	ADP
cjfa-18794	75	9	the	the	DET
cjfa-18794	75	10	ageing	ageing	NOUN
cjfa-18794	75	11	of	of	ADP
cjfa-18794	75	12	the	the	DET
cjfa-18794	75	13	population	population	NOUN
cjfa-18794	75	14	and	and	CCONJ
cjfa-18794	75	15	the	the	DET
cjfa-18794	75	16	changes	change	NOUN
cjfa-18794	75	17	in	in	ADP
cjfa-18794	75	18	taxes	taxis	NOUN
cjfa-18794	75	19	and	and	CCONJ
cjfa-18794	75	20	subsidies	subsidy	NOUN
cjfa-18794	75	21	determining	determine	VERB
cjfa-18794	75	22	the	the	DET
cjfa-18794	75	23	attractiveness	attractiveness	NOUN
cjfa-18794	75	24	of	of	ADP
cjfa-18794	75	25	residential	residential	ADJ
cjfa-18794	75	26	loans	loan	NOUN
cjfa-18794	75	27	.	.	PUNCT
cjfa-18794	76	1	these	these	DET
cjfa-18794	76	2	findings	finding	NOUN
cjfa-18794	76	3	are	be	AUX
cjfa-18794	76	4	partially	partially	ADV
cjfa-18794	76	5	supported	support	VERB
cjfa-18794	76	6	by	by	ADP
cjfa-18794	76	7	the	the	DET
cjfa-18794	76	8	results	result	NOUN
cjfa-18794	76	9	of	of	ADP
cjfa-18794	76	10	meng	meng	PROPN
cjfa-18794	76	11	,	,	PUNCT
cjfa-18794	76	12	hoang	hoang	PROPN
cjfa-18794	76	13	,	,	PUNCT
cjfa-18794	76	14	and	and	CCONJ
cjfa-18794	76	15	siriwanda	siriwanda	NOUN
cjfa-18794	76	16	(	(	PUNCT
cjfa-18794	76	17	2011	2011	NUM
cjfa-18794	76	18	,	,	PUNCT
cjfa-18794	76	19	pp	pp	ADJ
cjfa-18794	76	20	.	.	PUNCT
cjfa-18794	76	21	16–18	16–18	NUM
cjfa-18794	76	22	)	)	PUNCT
cjfa-18794	76	23	,	,	PUNCT
cjfa-18794	76	24	who	who	PRON
cjfa-18794	76	25	report	report	VERB
cjfa-18794	76	26	a	a	DET
cjfa-18794	76	27	positive	positive	ADJ
cjfa-18794	76	28	impact	impact	NOUN
cjfa-18794	76	29	of	of	ADP
cjfa-18794	76	30	gdp	gdp	NOUN
cjfa-18794	76	31	growth	growth	NOUN
cjfa-18794	76	32	,	,	PUNCT
cjfa-18794	76	33	housing	housing	NOUN
cjfa-18794	76	34	prices	price	NOUN
cjfa-18794	76	35	,	,	PUNCT
cjfa-18794	76	36	and	and	CCONJ
cjfa-18794	76	37	the	the	DET
cjfa-18794	76	38	number	number	NOUN
cjfa-18794	76	39	of	of	ADP
cjfa-18794	76	40	new	new	ADJ
cjfa-18794	76	41	dwellings	dwelling	NOUN
cjfa-18794	76	42	on	on	ADP
cjfa-18794	76	43	the	the	DET
cjfa-18794	76	44	stock	stock	NOUN
cjfa-18794	76	45	of	of	ADP
cjfa-18794	76	46	australian	australian	ADJ
cjfa-18794	76	47	household	household	NOUN
cjfa-18794	76	48	debt	debt	NOUN
cjfa-18794	76	49	.	.	PUNCT
cjfa-18794	77	1	simultaneously	simultaneously	ADV
cjfa-18794	77	2	,	,	PUNCT
cjfa-18794	77	3	they	they	PRON
cjfa-18794	77	4	find	find	VERB
cjfa-18794	77	5	a	a	DET
cjfa-18794	77	6	negative	negative	ADJ
cjfa-18794	77	7	relation	relation	NOUN
cjfa-18794	77	8	of	of	ADP
cjfa-18794	77	9	debt	debt	NOUN
cjfa-18794	77	10	with	with	ADP
cjfa-18794	77	11	interest	interest	NOUN
cjfa-18794	77	12	rates	rate	NOUN
cjfa-18794	77	13	,	,	PUNCT
cjfa-18794	77	14	unemployment	unemployment	NOUN
cjfa-18794	77	15	rate	rate	NOUN
cjfa-18794	77	16	,	,	PUNCT
cjfa-18794	77	17	and	and	CCONJ
cjfa-18794	77	18	inflation	inflation	NOUN
cjfa-18794	77	19	.	.	PUNCT
cjfa-18794	78	1	using	use	VERB
cjfa-18794	78	2	a	a	DET
cjfa-18794	78	3	panel	panel	NOUN
cjfa-18794	78	4	of	of	ADP
cjfa-18794	78	5	36	36	NUM
cjfa-18794	78	6	oecd	oecd	PROPN
cjfa-18794	78	7	countries	country	NOUN
cjfa-18794	78	8	over	over	ADP
cjfa-18794	78	9	the	the	DET
cjfa-18794	78	10	period	period	NOUN
cjfa-18794	78	11	1995–2009	1995–2009	NUM
cjfa-18794	78	12	rubaszek	rubaszek	NOUN
cjfa-18794	78	13	and	and	CCONJ
cjfa-18794	78	14	serwa	serwa	NOUN
cjfa-18794	78	15	(	(	PUNCT
cjfa-18794	78	16	2014	2014	NUM
cjfa-18794	78	17	,	,	PUNCT
cjfa-18794	78	18	pp	pp	ADJ
cjfa-18794	78	19	.	.	PUNCT
cjfa-18794	79	1	583–585	583–585	NUM
cjfa-18794	79	2	)	)	PUNCT
cjfa-18794	79	3	demonstrate	demonstrate	VERB
cjfa-18794	79	4	that	that	SCONJ
cjfa-18794	79	5	the	the	DET
cjfa-18794	79	6	ratio	ratio	NOUN
cjfa-18794	79	7	of	of	ADP
cjfa-18794	79	8	household	household	NOUN
cjfa-18794	79	9	debt	debt	NOUN
cjfa-18794	79	10	to	to	ADP
cjfa-18794	79	11	gdp	gdp	NOUN
cjfa-18794	79	12	is	be	AUX
cjfa-18794	79	13	driven	drive	VERB
cjfa-18794	79	14	by	by	ADP
cjfa-18794	79	15	the	the	DET
cjfa-18794	79	16	lending	lending	NOUN
cjfa-18794	79	17	-	-	PUNCT
cjfa-18794	79	18	deposit	deposit	NOUN
cjfa-18794	79	19	interest	interest	NOUN
cjfa-18794	79	20	rate	rate	NOUN
cjfa-18794	79	21	spread	spread	VERB
cjfa-18794	79	22	and	and	CCONJ
cjfa-18794	79	23	both	both	DET
cjfa-18794	79	24	uncertainty	uncertainty	NOUN
cjfa-18794	79	25	and	and	CCONJ
cjfa-18794	79	26	persistence	persistence	NOUN
cjfa-18794	79	27	of	of	ADP
cjfa-18794	79	28	individual	individual	ADJ
cjfa-18794	79	29	incomes	income	NOUN
cjfa-18794	79	30	.	.	PUNCT
cjfa-18794	80	1	additionally	additionally	ADV
cjfa-18794	80	2	,	,	PUNCT
cjfa-18794	80	3	they	they	PRON
cjfa-18794	80	4	report	report	VERB
cjfa-18794	80	5	a	a	DET
cjfa-18794	80	6	positive	positive	ADJ
cjfa-18794	80	7	impact	impact	NOUN
cjfa-18794	80	8	of	of	ADP
cjfa-18794	80	9	gpd	gpd	PROPN
cjfa-18794	80	10	per	per	ADP
cjfa-18794	80	11	capita	capita	NOUN
cjfa-18794	80	12	,	,	PUNCT
cjfa-18794	80	13	disposable	disposable	ADJ
cjfa-18794	80	14	income	income	NOUN
cjfa-18794	80	15	per	per	ADP
cjfa-18794	80	16	capita	capita	NOUN
cjfa-18794	80	17	,	,	PUNCT
cjfa-18794	80	18	and	and	CCONJ
cjfa-18794	80	19	housing	housing	NOUN
cjfa-18794	80	20	prices	price	NOUN
cjfa-18794	80	21	on	on	ADP
cjfa-18794	80	22	household	household	NOUN
cjfa-18794	80	23	indebtedness	indebtedness	NOUN
cjfa-18794	80	24	,	,	PUNCT
cjfa-18794	80	25	while	while	SCONJ
cjfa-18794	80	26	failing	fail	VERB
cjfa-18794	80	27	to	to	PART
cjfa-18794	80	28	find	find	VERB
cjfa-18794	80	29	a	a	DET
cjfa-18794	80	30	statistically	statistically	ADV
cjfa-18794	80	31	significant	significant	ADJ
cjfa-18794	80	32	influence	influence	NOUN
cjfa-18794	80	33	of	of	ADP
cjfa-18794	80	34	unemployment	unemployment	NOUN
cjfa-18794	80	35	and	and	CCONJ
cjfa-18794	80	36	income	income	NOUN
cjfa-18794	80	37	inequality	inequality	NOUN
cjfa-18794	80	38	.	.	PUNCT
cjfa-18794	81	1	numerous	numerous	ADJ
cjfa-18794	81	2	studies	study	NOUN
cjfa-18794	81	3	provide	provide	VERB
cjfa-18794	81	4	evidence	evidence	NOUN
cjfa-18794	81	5	on	on	ADP
cjfa-18794	81	6	the	the	DET
cjfa-18794	81	7	interdependence	interdependence	NOUN
cjfa-18794	81	8	between	between	ADP
cjfa-18794	81	9	the	the	DET
cjfa-18794	81	10	house	house	NOUN
cjfa-18794	81	11	prices	price	NOUN
cjfa-18794	81	12	and	and	CCONJ
cjfa-18794	81	13	household	household	NOUN
cjfa-18794	81	14	residential	residential	ADJ
cjfa-18794	81	15	debt	debt	NOUN
cjfa-18794	81	16	resulting	result	VERB
cjfa-18794	81	17	from	from	ADP
cjfa-18794	81	18	the	the	DET
cjfa-18794	81	19	collateral	collateral	NOUN
cjfa-18794	81	20	and	and	CCONJ
cjfa-18794	81	21	wealth	wealth	NOUN
cjfa-18794	81	22	effects	effect	NOUN
cjfa-18794	81	23	,	,	PUNCT
cjfa-18794	81	24	under	under	ADP
cjfa-18794	81	25	which	which	PRON
cjfa-18794	81	26	growing	grow	VERB
cjfa-18794	81	27	housing	housing	NOUN
cjfa-18794	81	28	prices	price	NOUN
cjfa-18794	81	29	reduce	reduce	VERB
cjfa-18794	81	30	credit	credit	NOUN
cjfa-18794	81	31	constraints	constraint	NOUN
cjfa-18794	81	32	and	and	CCONJ
cjfa-18794	81	33	facilitate	facilitate	VERB
cjfa-18794	81	34	mortgage	mortgage	NOUN
cjfa-18794	81	35	equity	equity	NOUN
cjfa-18794	81	36	withdrawals	withdrawal	NOUN
cjfa-18794	81	37	(	(	PUNCT
cjfa-18794	81	38	see	see	VERB
cjfa-18794	81	39	:	:	PUNCT
cjfa-18794	81	40	godley	godley	PROPN
cjfa-18794	81	41	&	&	CCONJ
cjfa-18794	81	42	lavoie	lavoie	PROPN
cjfa-18794	81	43	,	,	PUNCT
cjfa-18794	81	44	2007	2007	NUM
cjfa-18794	81	45	,	,	PUNCT
cjfa-18794	81	46	pp	pp	ADJ
cjfa-18794	81	47	.	.	PUNCT
cjfa-18794	82	1	40	40	NUM
cjfa-18794	82	2	–	–	PUNCT
cjfa-18794	82	3	 	 	SPACE
cjfa-18794	82	4	42	42	NUM
cjfa-18794	82	5	)	)	PUNCT
cjfa-18794	82	6	.	.	PUNCT
cjfa-18794	83	1	this	this	DET
cjfa-18794	83	2	two	two	NUM
cjfa-18794	83	3	-	-	PUNCT
cjfa-18794	83	4	way	way	NOUN
cjfa-18794	83	5	interaction	interaction	NOUN
cjfa-18794	83	6	seems	seem	VERB
cjfa-18794	83	7	to	to	PART
cjfa-18794	83	8	exist	exist	VERB
cjfa-18794	83	9	in	in	ADP
cjfa-18794	83	10	diverse	diverse	ADJ
cjfa-18794	83	11	economies	economy	NOUN
cjfa-18794	83	12	,	,	PUNCT
cjfa-18794	83	13	for	for	ADP
cjfa-18794	83	14	instance	instance	NOUN
cjfa-18794	83	15	finland	finland	PROPN
cjfa-18794	83	16	(	(	PUNCT
cjfa-18794	83	17	oikarinen	oikarinen	NOUN
cjfa-18794	83	18	,	,	PUNCT
cjfa-18794	83	19	2009	2009	NUM
cjfa-18794	83	20	,	,	PUNCT
cjfa-18794	83	21	pp	pp	ADV
cjfa-18794	83	22	.	.	PUNCT
cjfa-18794	84	1	751–755	751–755	NUM
cjfa-18794	84	2	)	)	PUNCT
cjfa-18794	84	3	,	,	PUNCT
cjfa-18794	84	4	spain	spain	PROPN
cjfa-18794	84	5	(	(	PUNCT
cjfa-18794	84	6	gimeno	gimeno	PROPN
cjfa-18794	84	7	&	&	CCONJ
cjfa-18794	84	8	martinez	martinez	PROPN
cjfa-18794	84	9	-	-	PROPN
cjfa-18794	84	10	carrascal	carrascal	ADJ
cjfa-18794	84	11	,	,	PUNCT
cjfa-18794	84	12	2010	2010	NUM
cjfa-18794	84	13	,	,	PUNCT
cjfa-18794	84	14	pp	pp	ADJ
cjfa-18794	84	15	.	.	PUNCT
cjfa-18794	84	16	1851–1854	1851–1854	NUM
cjfa-18794	84	17	)	)	PUNCT
cjfa-18794	84	18	,	,	PUNCT
cjfa-18794	84	19	or	or	CCONJ
cjfa-18794	84	20	norway	norway	NOUN
cjfa-18794	84	21	(	(	PUNCT
cjfa-18794	84	22	anundsen	anundsen	PROPN
cjfa-18794	84	23	&	&	CCONJ
cjfa-18794	84	24	jansen	jansen	PROPN
cjfa-18794	84	25	,	,	PUNCT
cjfa-18794	84	26	2013	2013	NUM
cjfa-18794	84	27	,	,	PUNCT
cjfa-18794	84	28	pp	pp	ADJ
cjfa-18794	84	29	.	.	PUNCT
cjfa-18794	84	30	197	197	NUM
cjfa-18794	84	31	–	–	PUNCT
cjfa-18794	84	32	 	 	SPACE
cjfa-18794	84	33	209	209	NUM
cjfa-18794	84	34	)	)	PUNCT
cjfa-18794	84	35	.	.	PUNCT
cjfa-18794	85	1	according	accord	VERB
cjfa-18794	85	2	to	to	ADP
cjfa-18794	85	3	turk	turk	PROPN
cjfa-18794	85	4	(	(	PUNCT
cjfa-18794	85	5	2015	2015	NUM
cjfa-18794	85	6	,	,	PUNCT
cjfa-18794	85	7	pp	pp	ADJ
cjfa-18794	85	8	.	.	PUNCT
cjfa-18794	85	9	28–29	28–29	NUM
cjfa-18794	85	10	)	)	PUNCT
cjfa-18794	85	11	household	household	NOUN
cjfa-18794	85	12	debt	debt	NOUN
cjfa-18794	85	13	drives	drive	VERB
cjfa-18794	85	14	housing	housing	NOUN
cjfa-18794	85	15	prices	price	NOUN
cjfa-18794	85	16	in	in	ADP
cjfa-18794	85	17	the	the	DET
cjfa-18794	85	18	short	short	ADJ
cjfa-18794	85	19	-	-	PUNCT
cjfa-18794	85	20	run	run	NOUN
cjfa-18794	85	21	,	,	PUNCT
cjfa-18794	85	22	however	however	ADV
cjfa-18794	85	23	,	,	PUNCT
cjfa-18794	85	24	in	in	ADP
cjfa-18794	85	25	the	the	DET
cjfa-18794	85	26	long	long	ADJ
cjfa-18794	85	27	run	run	NOUN
cjfa-18794	85	28	this	this	DET
cjfa-18794	85	29	relationship	relationship	NOUN
cjfa-18794	85	30	reverses	reverse	VERB
cjfa-18794	85	31	and	and	CCONJ
cjfa-18794	85	32	the	the	DET
cjfa-18794	85	33	housing	housing	NOUN
cjfa-18794	85	34	prices	price	NOUN
cjfa-18794	85	35	become	become	VERB
cjfa-18794	85	36	the	the	DET
cjfa-18794	85	37	key	key	ADJ
cjfa-18794	85	38	driver	driver	NOUN
cjfa-18794	85	39	of	of	ADP
cjfa-18794	85	40	the	the	DET
cjfa-18794	85	41	household	household	NOUN
cjfa-18794	85	42	debt	debt	NOUN
cjfa-18794	85	43	.	.	PUNCT
cjfa-18794	86	1	these	these	DET
cjfa-18794	86	2	findings	finding	NOUN
cjfa-18794	86	3	are	be	AUX
cjfa-18794	86	4	in	in	ADP
cjfa-18794	86	5	line	line	NOUN
cjfa-18794	86	6	with	with	ADP
cjfa-18794	86	7	those	those	PRON
cjfa-18794	86	8	of	of	ADP
cjfa-18794	86	9	moore	moore	PROPN
cjfa-18794	86	10	and	and	CCONJ
cjfa-18794	86	11	stockhammer	stockhammer	NOUN
cjfa-18794	86	12	(	(	PUNCT
cjfa-18794	86	13	2018	2018	NUM
cjfa-18794	86	14	,	,	PUNCT
cjfa-18794	86	15	pp	pp	ADJ
cjfa-18794	86	16	.	.	PUNCT
cjfa-18794	87	1	1–38	1–38	X
cjfa-18794	87	2	)	)	PUNCT
cjfa-18794	87	3	who	who	PRON
cjfa-18794	87	4	examine	examine	VERB
cjfa-18794	87	5	a	a	DET
cjfa-18794	87	6	panel	panel	NOUN
cjfa-18794	87	7	of	of	ADP
cjfa-18794	87	8	13	13	NUM
cjfa-18794	87	9	oecd	oecd	PROPN
cjfa-18794	87	10	countries	country	NOUN
cjfa-18794	87	11	over	over	ADP
cjfa-18794	87	12	the	the	DET
cjfa-18794	87	13	period	period	NOUN
cjfa-18794	87	14	1993–2011	1993–2011	NUM
cjfa-18794	87	15	,	,	PUNCT
cjfa-18794	87	16	and	and	CCONJ
cjfa-18794	87	17	demonstrate	demonstrate	VERB
cjfa-18794	87	18	that	that	SCONJ
cjfa-18794	87	19	real	real	ADJ
cjfa-18794	87	20	residential	residential	ADJ
cjfa-18794	87	21	house	house	NOUN
cjfa-18794	87	22	prices	price	NOUN
cjfa-18794	87	23	is	be	AUX
cjfa-18794	87	24	the	the	DET
cjfa-18794	87	25	most	most	ADV
cjfa-18794	87	26	robust	robust	ADJ
cjfa-18794	87	27	macroeconomic	macroeconomic	ADJ
cjfa-18794	87	28	determinant	determinant	NOUN
cjfa-18794	87	29	of	of	ADP
cjfa-18794	87	30	household	household	NOUN
cjfa-18794	87	31	debt	debt	NOUN
cjfa-18794	87	32	.	.	PUNCT
cjfa-18794	88	1	several	several	ADJ
cjfa-18794	88	2	studies	study	NOUN
cjfa-18794	88	3	investigating	investigate	VERB
cjfa-18794	88	4	the	the	DET
cjfa-18794	88	5	household	household	NOUN
cjfa-18794	88	6	indebtedness	indebtedness	NOUN
cjfa-18794	88	7	in	in	ADP
cjfa-18794	88	8	the	the	DET
cjfa-18794	88	9	u.s	u.s	PROPN
cjfa-18794	88	10	.	.	PROPN
cjfa-18794	88	11	suggest	suggest	VERB
cjfa-18794	88	12	that	that	SCONJ
cjfa-18794	88	13	the	the	DET
cjfa-18794	88	14	reasons	reason	NOUN
cjfa-18794	88	15	for	for	ADP
cjfa-18794	88	16	its	its	PRON
cjfa-18794	88	17	dynamic	dynamic	ADJ
cjfa-18794	88	18	growth	growth	NOUN
cjfa-18794	88	19	prior	prior	ADV
cjfa-18794	88	20	to	to	ADP
cjfa-18794	88	21	the	the	DET
cjfa-18794	88	22	recent	recent	ADJ
cjfa-18794	88	23	global	global	ADJ
cjfa-18794	88	24	financial	financial	ADJ
cjfa-18794	88	25	crisis	crisis	NOUN
cjfa-18794	88	26	lie	lie	VERB
cjfa-18794	88	27	in	in	ADP
cjfa-18794	88	28	the	the	DET
cjfa-18794	88	29	widening	widen	VERB
cjfa-18794	88	30	gap	gap	NOUN
cjfa-18794	88	31	between	between	ADP
cjfa-18794	88	32	the	the	DET
cjfa-18794	88	33	real	real	ADJ
cjfa-18794	88	34	rates	rate	NOUN
cjfa-18794	88	35	of	of	ADP
cjfa-18794	88	36	growth	growth	NOUN
cjfa-18794	88	37	of	of	ADP
cjfa-18794	88	38	productivity	productivity	NOUN
cjfa-18794	88	39	and	and	CCONJ
cjfa-18794	88	40	wages	wage	NOUN
cjfa-18794	88	41	,	,	PUNCT
cjfa-18794	88	42	as	as	ADV
cjfa-18794	88	43	well	well	ADV
cjfa-18794	88	44	as	as	ADP
cjfa-18794	88	45	in	in	ADP
cjfa-18794	88	46	the	the	DET
cjfa-18794	88	47	considerable	considerable	ADJ
cjfa-18794	88	48	retrenchments	retrenchment	NOUN
cjfa-18794	88	49	in	in	ADP
cjfa-18794	88	50	the	the	DET
cjfa-18794	88	51	welfare	welfare	NOUN
cjfa-18794	88	52	state	state	NOUN
cjfa-18794	88	53	(	(	PUNCT
cjfa-18794	88	54	barba	barba	PROPN
cjfa-18794	88	55	&	&	CCONJ
cjfa-18794	88	56	pivetti	pivetti	PROPN
cjfa-18794	88	57	,	,	PUNCT
cjfa-18794	88	58	2009	2009	NUM
cjfa-18794	88	59	,	,	PUNCT
cjfa-18794	88	60	p.	p.	NOUN
cjfa-18794	88	61	114	114	NUM
cjfa-18794	88	62	;	;	PUNCT
cjfa-18794	88	63	stockhammer	stockhammer	NOUN
cjfa-18794	88	64	,	,	PUNCT
cjfa-18794	88	65	2015	2015	NUM
cjfa-18794	88	66	,	,	PUNCT
cjfa-18794	88	67	p.	p.	NOUN
cjfa-18794	88	68	935	935	NUM
cjfa-18794	88	69	)	)	PUNCT
cjfa-18794	88	70	.	.	PUNCT
cjfa-18794	89	1	the	the	DET
cjfa-18794	89	2	combination	combination	NOUN
cjfa-18794	89	3	of	of	ADP
cjfa-18794	89	4	these	these	DET
cjfa-18794	89	5	phenomena	phenomenon	NOUN
cjfa-18794	89	6	created	create	VERB
cjfa-18794	89	7	both	both	DET
cjfa-18794	89	8	opportunities	opportunity	NOUN
cjfa-18794	89	9	and	and	CCONJ
cjfa-18794	89	10	incentives	incentive	NOUN
cjfa-18794	89	11	for	for	ADP
cjfa-18794	89	12	many	many	ADJ
cjfa-18794	89	13	american	american	ADJ
cjfa-18794	89	14	households	household	NOUN
cjfa-18794	89	15	to	to	PART
cjfa-18794	89	16	use	use	VERB
cjfa-18794	89	17	debt	debt	NOUN
cjfa-18794	89	18	as	as	ADP
cjfa-18794	89	19	a	a	DET
cjfa-18794	89	20	substitute	substitute	NOUN
cjfa-18794	89	21	for	for	ADP
cjfa-18794	89	22	insufficient	insufficient	ADJ
cjfa-18794	89	23	wages	wage	NOUN
cjfa-18794	89	24	,	,	PUNCT
cjfa-18794	89	25	and	and	CCONJ
cjfa-18794	89	26	thus	thus	ADV
cjfa-18794	89	27	to	to	PART
cjfa-18794	89	28	‘	'	PUNCT
cjfa-18794	89	29	simulate	simulate	VERB
cjfa-18794	89	30	’	'	PUNCT
cjfa-18794	89	31	their	their	PRON
cjfa-18794	89	32	social	social	ADJ
cjfa-18794	89	33	class	class	NOUN
cjfa-18794	89	34	(	(	PUNCT
cjfa-18794	89	35	leicht	leicht	PROPN
cjfa-18794	89	36	,	,	PUNCT
cjfa-18794	89	37	2012	2012	NUM
cjfa-18794	89	38	,	,	PUNCT
cjfa-18794	89	39	pp	pp	ADJ
cjfa-18794	89	40	.	.	PUNCT
cjfa-18794	90	1	204–206	204–206	NUM
cjfa-18794	90	2	)	)	PUNCT
cjfa-18794	90	3	.	.	PUNCT
cjfa-18794	91	1	increasing	increase	VERB
cjfa-18794	91	2	income	income	NOUN
cjfa-18794	91	3	inequality	inequality	NOUN
cjfa-18794	91	4	,	,	PUNCT
cjfa-18794	91	5	and	and	CCONJ
cjfa-18794	91	6	in	in	ADP
cjfa-18794	91	7	particular	particular	ADJ
cjfa-18794	91	8	the	the	DET
cjfa-18794	91	9	growth	growth	NOUN
cjfa-18794	91	10	of	of	ADP
cjfa-18794	91	11	top	top	ADJ
cjfa-18794	91	12	incomes	income	NOUN
cjfa-18794	91	13	,	,	PUNCT
cjfa-18794	91	14	drives	drive	VERB
cjfa-18794	91	15	relatively	relatively	ADV
cjfa-18794	91	16	poorpiotr	poorpiotr	ADJ
cjfa-18794	91	17	bolibok34	bolibok34	NOUN
cjfa-18794	91	18	er	er	INTJ
cjfa-18794	91	19	households	household	NOUN
cjfa-18794	91	20	to	to	PART
cjfa-18794	91	21	accumulate	accumulate	VERB
cjfa-18794	91	22	debt	debt	NOUN
cjfa-18794	91	23	in	in	ADP
cjfa-18794	91	24	order	order	NOUN
cjfa-18794	91	25	to	to	PART
cjfa-18794	91	26	keep	keep	VERB
cjfa-18794	91	27	consumption	consumption	NOUN
cjfa-18794	91	28	at	at	ADP
cjfa-18794	91	29	par	par	NOUN
cjfa-18794	91	30	with	with	ADP
cjfa-18794	91	31	their	their	PRON
cjfa-18794	91	32	richer	rich	ADJ
cjfa-18794	91	33	peers	peer	NOUN
cjfa-18794	91	34	(	(	PUNCT
cjfa-18794	91	35	frank	frank	PROPN
cjfa-18794	91	36	,	,	PUNCT
cjfa-18794	91	37	levine	levine	PROPN
cjfa-18794	91	38	&	&	CCONJ
cjfa-18794	91	39	dijk	dijk	PROPN
cjfa-18794	91	40	,	,	PUNCT
cjfa-18794	91	41	2014	2014	NUM
cjfa-18794	91	42	,	,	PUNCT
cjfa-18794	91	43	p.	p.	NOUN
cjfa-18794	91	44	63	63	NUM
cjfa-18794	91	45	)	)	PUNCT
cjfa-18794	91	46	.	.	PUNCT
cjfa-18794	92	1	some	some	DET
cjfa-18794	92	2	further	further	ADJ
cjfa-18794	92	3	evidence	evidence	NOUN
cjfa-18794	92	4	on	on	ADP
cjfa-18794	92	5	the	the	DET
cjfa-18794	92	6	impact	impact	NOUN
cjfa-18794	92	7	of	of	ADP
cjfa-18794	92	8	income	income	NOUN
cjfa-18794	92	9	inequality	inequality	NOUN
cjfa-18794	92	10	on	on	ADP
cjfa-18794	92	11	the	the	DET
cjfa-18794	92	12	household	household	NOUN
cjfa-18794	92	13	indebtedness	indebtedness	NOUN
cjfa-18794	92	14	in	in	ADP
cjfa-18794	92	15	an	an	DET
cjfa-18794	92	16	international	international	ADJ
cjfa-18794	92	17	context	context	NOUN
cjfa-18794	92	18	of	of	ADP
cjfa-18794	92	19	the	the	DET
cjfa-18794	92	20	most	most	ADV
cjfa-18794	92	21	advanced	advanced	ADJ
cjfa-18794	92	22	oecd	oecd	PROPN
cjfa-18794	92	23	economies	economy	NOUN
cjfa-18794	92	24	is	be	AUX
cjfa-18794	92	25	offered	offer	VERB
cjfa-18794	92	26	by	by	ADP
cjfa-18794	92	27	klein	klein	PROPN
cjfa-18794	92	28	(	(	PUNCT
cjfa-18794	92	29	2015	2015	NUM
cjfa-18794	92	30	,	,	PUNCT
cjfa-18794	92	31	pp	pp	ADJ
cjfa-18794	92	32	.	.	PUNCT
cjfa-18794	93	1	405–410	405–410	NUM
cjfa-18794	93	2	)	)	PUNCT
cjfa-18794	93	3	and	and	CCONJ
cjfa-18794	93	4	malinen	malinen	PROPN
cjfa-18794	93	5	(	(	PUNCT
cjfa-18794	93	6	2016	2016	NUM
cjfa-18794	93	7	,	,	PUNCT
cjfa-18794	93	8	pp	pp	ADJ
cjfa-18794	93	9	.	.	PUNCT
cjfa-18794	94	1	317–323	317–323	NUM
cjfa-18794	94	2	)	)	PUNCT
cjfa-18794	94	3	.	.	PUNCT
cjfa-18794	95	1	the	the	DET
cjfa-18794	95	2	review	review	NOUN
cjfa-18794	95	3	of	of	ADP
cjfa-18794	95	4	the	the	DET
cjfa-18794	95	5	relevant	relevant	ADJ
cjfa-18794	95	6	literature	literature	NOUN
cjfa-18794	95	7	on	on	ADP
cjfa-18794	95	8	the	the	DET
cjfa-18794	95	9	macroeconomic	macroeconomic	ADJ
cjfa-18794	95	10	determinants	determinant	NOUN
cjfa-18794	95	11	of	of	ADP
cjfa-18794	95	12	household	household	NOUN
cjfa-18794	95	13	indebtedness	indebtedness	NOUN
cjfa-18794	95	14	indicates	indicate	VERB
cjfa-18794	95	15	that	that	SCONJ
cjfa-18794	95	16	the	the	DET
cjfa-18794	95	17	vast	vast	ADJ
cjfa-18794	95	18	majority	majority	NOUN
cjfa-18794	95	19	of	of	ADP
cjfa-18794	95	20	prior	prior	ADJ
cjfa-18794	95	21	research	research	NOUN
cjfa-18794	95	22	is	be	AUX
cjfa-18794	95	23	based	base	VERB
cjfa-18794	95	24	on	on	ADP
cjfa-18794	95	25	the	the	DET
cjfa-18794	95	26	evidence	evidence	NOUN
cjfa-18794	95	27	from	from	ADP
cjfa-18794	95	28	individual	individual	ADJ
cjfa-18794	95	29	countries	country	NOUN
cjfa-18794	95	30	,	,	PUNCT
cjfa-18794	95	31	which	which	PRON
cjfa-18794	95	32	sometimes	sometimes	ADV
cjfa-18794	95	33	leads	lead	VERB
cjfa-18794	95	34	to	to	ADP
cjfa-18794	95	35	ambiguous	ambiguous	ADJ
cjfa-18794	95	36	conclusions	conclusion	NOUN
cjfa-18794	95	37	,	,	PUNCT
cjfa-18794	95	38	while	while	SCONJ
cjfa-18794	95	39	the	the	DET
cjfa-18794	95	40	available	available	ADJ
cjfa-18794	95	41	cross	cross	ADJ
cjfa-18794	95	42	-	-	ADJ
cjfa-18794	95	43	sectional	sectional	ADJ
cjfa-18794	95	44	studies	study	NOUN
cjfa-18794	95	45	are	be	AUX
cjfa-18794	95	46	largely	largely	ADV
cjfa-18794	95	47	limited	limit	VERB
cjfa-18794	95	48	to	to	ADP
cjfa-18794	95	49	the	the	DET
cjfa-18794	95	50	most	most	ADV
cjfa-18794	95	51	developed	develop	VERB
cjfa-18794	95	52	economies	economy	NOUN
cjfa-18794	95	53	.	.	PUNCT
cjfa-18794	96	1	in	in	ADP
cjfa-18794	96	2	particular	particular	ADJ
cjfa-18794	96	3	,	,	PUNCT
cjfa-18794	96	4	the	the	DET
cjfa-18794	96	5	evidence	evidence	NOUN
cjfa-18794	96	6	based	base	VERB
cjfa-18794	96	7	on	on	ADP
cjfa-18794	96	8	both	both	CCONJ
cjfa-18794	96	9	broader	broad	ADJ
cjfa-18794	96	10	international	international	ADJ
cjfa-18794	96	11	data	datum	NOUN
cjfa-18794	96	12	and	and	CCONJ
cjfa-18794	96	13	a	a	DET
cjfa-18794	96	14	wide	wide	ADJ
cjfa-18794	96	15	set	set	NOUN
cjfa-18794	96	16	of	of	ADP
cjfa-18794	96	17	examined	examine	VERB
cjfa-18794	96	18	explanatory	explanatory	ADJ
cjfa-18794	96	19	variables	variable	NOUN
cjfa-18794	96	20	remains	remain	VERB
cjfa-18794	96	21	rather	rather	ADV
cjfa-18794	96	22	modest	modest	ADJ
cjfa-18794	96	23	.	.	PUNCT
cjfa-18794	97	1	the	the	DET
cjfa-18794	97	2	present	present	ADJ
cjfa-18794	97	3	study	study	NOUN
cjfa-18794	97	4	attempts	attempt	VERB
cjfa-18794	97	5	therefore	therefore	ADV
cjfa-18794	97	6	to	to	PART
cjfa-18794	97	7	contribute	contribute	VERB
cjfa-18794	97	8	to	to	ADP
cjfa-18794	97	9	the	the	DET
cjfa-18794	97	10	existing	exist	VERB
cjfa-18794	97	11	literature	literature	NOUN
cjfa-18794	97	12	by	by	ADP
cjfa-18794	97	13	filling	fill	VERB
cjfa-18794	97	14	this	this	DET
cjfa-18794	97	15	gap	gap	NOUN
cjfa-18794	97	16	.	.	PUNCT
cjfa-18794	98	1	the	the	DET
cjfa-18794	98	2	research	research	NOUN
cjfa-18794	98	3	methodology	methodology	NOUN
cjfa-18794	98	4	and	and	CCONJ
cjfa-18794	98	5	the	the	DET
cjfa-18794	98	6	course	course	NOUN
cjfa-18794	98	7	of	of	ADP
cjfa-18794	98	8	the	the	DET
cjfa-18794	98	9	research	research	NOUN
cjfa-18794	98	10	process	process	NOUN
cjfa-18794	98	11	the	the	DET
cjfa-18794	98	12	empirical	empirical	ADJ
cjfa-18794	98	13	evidence	evidence	NOUN
cjfa-18794	98	14	in	in	ADP
cjfa-18794	98	15	the	the	DET
cjfa-18794	98	16	relevant	relevant	ADJ
cjfa-18794	98	17	literature	literature	NOUN
cjfa-18794	98	18	allows	allow	VERB
cjfa-18794	98	19	to	to	PART
cjfa-18794	98	20	formulate	formulate	VERB
cjfa-18794	98	21	the	the	DET
cjfa-18794	98	22	following	follow	VERB
cjfa-18794	98	23	set	set	NOUN
cjfa-18794	98	24	of	of	ADP
cjfa-18794	98	25	research	research	NOUN
cjfa-18794	98	26	hypotheses	hypothesis	NOUN
cjfa-18794	98	27	:	:	PUNCT
cjfa-18794	98	28	h1	h1	NOUN
cjfa-18794	98	29	:	:	PUNCT
cjfa-18794	98	30	the	the	DET
cjfa-18794	98	31	household	household	NOUN
cjfa-18794	98	32	dti	dti	PROPN
cjfa-18794	98	33	ratio	ratio	NOUN
cjfa-18794	98	34	in	in	ADP
cjfa-18794	98	35	the	the	DET
cjfa-18794	98	36	oecd	oecd	PROPN
cjfa-18794	98	37	countries	country	NOUN
cjfa-18794	98	38	in	in	ADP
cjfa-18794	98	39	the	the	DET
cjfa-18794	98	40	long	long	ADJ
cjfa-18794	98	41	run	run	NOUN
cjfa-18794	98	42	is	be	AUX
cjfa-18794	98	43	positively	positively	ADV
cjfa-18794	98	44	related	relate	VERB
cjfa-18794	98	45	to	to	ADP
cjfa-18794	98	46	average	average	ADJ
cjfa-18794	98	47	wages	wage	NOUN
cjfa-18794	98	48	,	,	PUNCT
cjfa-18794	98	49	the	the	DET
cjfa-18794	98	50	rate	rate	NOUN
cjfa-18794	98	51	of	of	ADP
cjfa-18794	98	52	economic	economic	ADJ
cjfa-18794	98	53	growth	growth	NOUN
cjfa-18794	98	54	,	,	PUNCT
cjfa-18794	98	55	the	the	DET
cjfa-18794	98	56	share	share	NOUN
cjfa-18794	98	57	of	of	ADP
cjfa-18794	98	58	young	young	ADJ
cjfa-18794	98	59	and	and	CCONJ
cjfa-18794	98	60	middle	middle	ADJ
cjfa-18794	98	61	-	-	PUNCT
cjfa-18794	98	62	aged	aged	ADJ
cjfa-18794	98	63	population	population	NOUN
cjfa-18794	98	64	cohorts	cohort	NOUN
cjfa-18794	98	65	,	,	PUNCT
cjfa-18794	98	66	the	the	DET
cjfa-18794	98	67	share	share	NOUN
cjfa-18794	98	68	of	of	ADP
cjfa-18794	98	69	population	population	NOUN
cjfa-18794	98	70	with	with	ADP
cjfa-18794	98	71	tertiary	tertiary	ADJ
cjfa-18794	98	72	education	education	NOUN
cjfa-18794	98	73	attainment	attainment	NOUN
cjfa-18794	98	74	,	,	PUNCT
cjfa-18794	98	75	housing	housing	NOUN
cjfa-18794	98	76	prices	price	NOUN
cjfa-18794	98	77	,	,	PUNCT
cjfa-18794	98	78	wage	wage	NOUN
cjfa-18794	98	79	-	-	PUNCT
cjfa-18794	98	80	productivity	productivity	NOUN
cjfa-18794	98	81	gap	gap	NOUN
cjfa-18794	98	82	,	,	PUNCT
cjfa-18794	98	83	and	and	CCONJ
cjfa-18794	98	84	income	income	NOUN
cjfa-18794	98	85	inequality	inequality	NOUN
cjfa-18794	98	86	.	.	PUNCT
cjfa-18794	99	1	h2	h2	NOUN
cjfa-18794	99	2	:	:	PUNCT
cjfa-18794	99	3	the	the	DET
cjfa-18794	99	4	household	household	NOUN
cjfa-18794	99	5	dti	dti	PROPN
cjfa-18794	99	6	ratio	ratio	NOUN
cjfa-18794	99	7	in	in	ADP
cjfa-18794	99	8	the	the	DET
cjfa-18794	99	9	oecd	oecd	PROPN
cjfa-18794	99	10	countries	country	NOUN
cjfa-18794	99	11	in	in	ADP
cjfa-18794	99	12	the	the	DET
cjfa-18794	99	13	long	long	ADJ
cjfa-18794	99	14	run	run	NOUN
cjfa-18794	99	15	is	be	AUX
cjfa-18794	99	16	negatively	negatively	ADV
cjfa-18794	99	17	related	relate	VERB
cjfa-18794	99	18	to	to	ADP
cjfa-18794	99	19	interest	interest	NOUN
cjfa-18794	99	20	rate	rate	NOUN
cjfa-18794	99	21	and	and	CCONJ
cjfa-18794	99	22	unemployment	unemployment	NOUN
cjfa-18794	99	23	rate	rate	NOUN
cjfa-18794	99	24	.	.	PUNCT
cjfa-18794	100	1	given	give	VERB
cjfa-18794	100	2	a	a	DET
cjfa-18794	100	3	significant	significant	ADJ
cjfa-18794	100	4	cross	cross	ADJ
cjfa-18794	100	5	-	-	ADJ
cjfa-18794	100	6	sectional	sectional	ADJ
cjfa-18794	100	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	100	8	in	in	ADP
cjfa-18794	100	9	the	the	DET
cjfa-18794	100	10	examined	examine	VERB
cjfa-18794	100	11	sample	sample	NOUN
cjfa-18794	100	12	and	and	CCONJ
cjfa-18794	100	13	the	the	DET
cjfa-18794	100	14	results	result	NOUN
cjfa-18794	100	15	of	of	ADP
cjfa-18794	100	16	the	the	DET
cjfa-18794	100	17	hausman	hausman	PROPN
cjfa-18794	100	18	specification	specification	PROPN
cjfa-18794	100	19	test	test	NOUN
cjfa-18794	100	20	,	,	PUNCT
cjfa-18794	100	21	the	the	DET
cjfa-18794	100	22	investigation	investigation	NOUN
cjfa-18794	100	23	has	have	AUX
cjfa-18794	100	24	been	be	AUX
cjfa-18794	100	25	based	base	VERB
cjfa-18794	100	26	on	on	ADP
cjfa-18794	100	27	a	a	DET
cjfa-18794	100	28	fixed	fix	VERB
cjfa-18794	100	29	-	-	PUNCT
cjfa-18794	100	30	effect	effect	NOUN
cjfa-18794	100	31	panel	panel	NOUN
cjfa-18794	100	32	data	datum	NOUN
cjfa-18794	100	33	regression	regression	NOUN
cjfa-18794	100	34	analysis	analysis	NOUN
cjfa-18794	100	35	.	.	PUNCT
cjfa-18794	101	1	the	the	DET
cjfa-18794	101	2	choice	choice	NOUN
cjfa-18794	101	3	of	of	ADP
cjfa-18794	101	4	the	the	DET
cjfa-18794	101	5	explanatory	explanatory	ADJ
cjfa-18794	101	6	variables	variable	NOUN
cjfa-18794	101	7	employed	employ	VERB
cjfa-18794	101	8	in	in	ADP
cjfa-18794	101	9	the	the	DET
cjfa-18794	101	10	model	model	NOUN
cjfa-18794	101	11	is	be	AUX
cjfa-18794	101	12	largely	largely	ADV
cjfa-18794	101	13	determined	determine	VERB
cjfa-18794	101	14	by	by	ADP
cjfa-18794	101	15	the	the	DET
cjfa-18794	101	16	availability	availability	NOUN
cjfa-18794	101	17	of	of	ADP
cjfa-18794	101	18	data	datum	NOUN
cjfa-18794	101	19	and	and	CCONJ
cjfa-18794	101	20	the	the	DET
cjfa-18794	101	21	pursuance	pursuance	NOUN
cjfa-18794	101	22	of	of	ADP
cjfa-18794	101	23	obtaining	obtain	VERB
cjfa-18794	101	24	a	a	DET
cjfa-18794	101	25	possibly	possibly	ADV
cjfa-18794	101	26	most	most	ADV
cjfa-18794	101	27	complete	complete	ADJ
cjfa-18794	101	28	dataset	dataset	NOUN
cjfa-18794	101	29	.	.	PUNCT
cjfa-18794	102	1	the	the	DET
cjfa-18794	102	2	variables	variable	NOUN
cjfa-18794	102	3	exhibiting	exhibit	VERB
cjfa-18794	102	4	a	a	DET
cjfa-18794	102	5	significant	significant	ADJ
cjfa-18794	102	6	skewness	skewness	NOUN
cjfa-18794	102	7	of	of	ADP
cjfa-18794	102	8	the	the	DET
cjfa-18794	102	9	distribution	distribution	NOUN
cjfa-18794	102	10	have	have	AUX
cjfa-18794	102	11	been	be	AUX
cjfa-18794	102	12	logtransformed	logtransforme	VERB
cjfa-18794	102	13	,	,	PUNCT
cjfa-18794	102	14	yielding	yield	VERB
cjfa-18794	102	15	the	the	DET
cjfa-18794	102	16	following	follow	VERB
cjfa-18794	102	17	regression	regression	NOUN
cjfa-18794	102	18	model	model	NOUN
cjfa-18794	102	19	:	:	PUNCT
cjfa-18794	102	20	the	the	DET
cjfa-18794	102	21	macroeconomic	macroeconomic	ADJ
cjfa-18794	102	22	drivers	driver	NOUN
cjfa-18794	102	23	of	of	ADP
cjfa-18794	102	24	household	household	NOUN
cjfa-18794	102	25	debt	debt	NOUN
cjfa-18794	102	26	-	-	PUNCT
cjfa-18794	102	27	to	to	ADP
cjfa-18794	102	28	-	-	PUNCT
cjfa-18794	102	29	income	income	NOUN
cjfa-18794	102	30	ratio	ratio	NOUN
cjfa-18794	102	31	…	…	PUNCT
cjfa-18794	102	32	35	35	NUM
cjfa-18794	102	33	particular	particular	ADJ
cjfa-18794	102	34	,	,	PUNCT
cjfa-18794	102	35	the	the	DET
cjfa-18794	102	36	evidence	evidence	NOUN
cjfa-18794	102	37	based	base	VERB
cjfa-18794	102	38	on	on	ADP
cjfa-18794	102	39	both	both	CCONJ
cjfa-18794	102	40	broader	broad	ADJ
cjfa-18794	102	41	international	international	ADJ
cjfa-18794	102	42	data	datum	NOUN
cjfa-18794	102	43	and	and	CCONJ
cjfa-18794	102	44	a	a	DET
cjfa-18794	102	45	wide	wide	ADJ
cjfa-18794	102	46	set	set	NOUN
cjfa-18794	102	47	of	of	ADP
cjfa-18794	102	48	examined	examine	VERB
cjfa-18794	102	49	explanatory	explanatory	ADJ
cjfa-18794	102	50	variables	variable	NOUN
cjfa-18794	102	51	remains	remain	VERB
cjfa-18794	102	52	rather	rather	ADV
cjfa-18794	102	53	modest	modest	ADJ
cjfa-18794	102	54	.	.	PUNCT
cjfa-18794	103	1	the	the	DET
cjfa-18794	103	2	present	present	ADJ
cjfa-18794	103	3	study	study	NOUN
cjfa-18794	103	4	attempts	attempt	VERB
cjfa-18794	103	5	therefore	therefore	ADV
cjfa-18794	103	6	to	to	PART
cjfa-18794	103	7	contribute	contribute	VERB
cjfa-18794	103	8	to	to	ADP
cjfa-18794	103	9	the	the	DET
cjfa-18794	103	10	existing	exist	VERB
cjfa-18794	103	11	literature	literature	NOUN
cjfa-18794	103	12	by	by	ADP
cjfa-18794	103	13	filling	fill	VERB
cjfa-18794	103	14	this	this	DET
cjfa-18794	103	15	gap	gap	NOUN
cjfa-18794	103	16	.	.	PUNCT
cjfa-18794	104	1	the	the	DET
cjfa-18794	104	2	research	research	NOUN
cjfa-18794	104	3	methodology	methodology	NOUN
cjfa-18794	104	4	and	and	CCONJ
cjfa-18794	104	5	the	the	DET
cjfa-18794	104	6	course	course	NOUN
cjfa-18794	104	7	of	of	ADP
cjfa-18794	104	8	the	the	DET
cjfa-18794	104	9	research	research	NOUN
cjfa-18794	104	10	process	process	NOUN
cjfa-18794	104	11	the	the	DET
cjfa-18794	104	12	empirical	empirical	ADJ
cjfa-18794	104	13	evidence	evidence	NOUN
cjfa-18794	104	14	in	in	ADP
cjfa-18794	104	15	the	the	DET
cjfa-18794	104	16	relevant	relevant	ADJ
cjfa-18794	104	17	literature	literature	NOUN
cjfa-18794	104	18	allows	allow	VERB
cjfa-18794	104	19	to	to	PART
cjfa-18794	104	20	formulate	formulate	VERB
cjfa-18794	104	21	the	the	DET
cjfa-18794	104	22	following	follow	VERB
cjfa-18794	104	23	set	set	NOUN
cjfa-18794	104	24	of	of	ADP
cjfa-18794	104	25	research	research	NOUN
cjfa-18794	104	26	hypotheses	hypothesis	NOUN
cjfa-18794	104	27	:	:	PUNCT
cjfa-18794	104	28	h1	h1	NOUN
cjfa-18794	104	29	:	:	PUNCT
cjfa-18794	104	30	the	the	DET
cjfa-18794	104	31	household	household	NOUN
cjfa-18794	104	32	dti	dti	PROPN
cjfa-18794	104	33	ratio	ratio	NOUN
cjfa-18794	104	34	in	in	ADP
cjfa-18794	104	35	the	the	DET
cjfa-18794	104	36	oecd	oecd	PROPN
cjfa-18794	104	37	countries	country	NOUN
cjfa-18794	104	38	in	in	ADP
cjfa-18794	104	39	the	the	DET
cjfa-18794	104	40	long	long	ADJ
cjfa-18794	104	41	run	run	NOUN
cjfa-18794	104	42	is	be	AUX
cjfa-18794	104	43	positively	positively	ADV
cjfa-18794	104	44	related	relate	VERB
cjfa-18794	104	45	to	to	ADP
cjfa-18794	104	46	average	average	ADJ
cjfa-18794	104	47	wages	wage	NOUN
cjfa-18794	104	48	,	,	PUNCT
cjfa-18794	104	49	the	the	DET
cjfa-18794	104	50	rate	rate	NOUN
cjfa-18794	104	51	of	of	ADP
cjfa-18794	104	52	economic	economic	ADJ
cjfa-18794	104	53	growth	growth	NOUN
cjfa-18794	104	54	,	,	PUNCT
cjfa-18794	104	55	the	the	DET
cjfa-18794	104	56	share	share	NOUN
cjfa-18794	104	57	of	of	ADP
cjfa-18794	104	58	young	young	ADJ
cjfa-18794	104	59	and	and	CCONJ
cjfa-18794	104	60	middle	middle	ADJ
cjfa-18794	104	61	-	-	PUNCT
cjfa-18794	104	62	aged	aged	ADJ
cjfa-18794	104	63	population	population	NOUN
cjfa-18794	104	64	cohorts	cohort	NOUN
cjfa-18794	104	65	,	,	PUNCT
cjfa-18794	104	66	the	the	DET
cjfa-18794	104	67	share	share	NOUN
cjfa-18794	104	68	of	of	ADP
cjfa-18794	104	69	population	population	NOUN
cjfa-18794	104	70	with	with	ADP
cjfa-18794	104	71	tertiary	tertiary	ADJ
cjfa-18794	104	72	education	education	NOUN
cjfa-18794	104	73	attainment	attainment	NOUN
cjfa-18794	104	74	,	,	PUNCT
cjfa-18794	104	75	housing	housing	NOUN
cjfa-18794	104	76	prices	price	NOUN
cjfa-18794	104	77	,	,	PUNCT
cjfa-18794	104	78	wage	wage	NOUN
cjfa-18794	104	79	-	-	PUNCT
cjfa-18794	104	80	productivity	productivity	NOUN
cjfa-18794	104	81	gap	gap	NOUN
cjfa-18794	104	82	,	,	PUNCT
cjfa-18794	104	83	and	and	CCONJ
cjfa-18794	104	84	income	income	NOUN
cjfa-18794	104	85	inequality	inequality	NOUN
cjfa-18794	104	86	.	.	PUNCT
cjfa-18794	105	1	h2	h2	NOUN
cjfa-18794	105	2	:	:	PUNCT
cjfa-18794	105	3	the	the	DET
cjfa-18794	105	4	household	household	NOUN
cjfa-18794	105	5	dti	dti	PROPN
cjfa-18794	105	6	ratio	ratio	NOUN
cjfa-18794	105	7	in	in	ADP
cjfa-18794	105	8	the	the	DET
cjfa-18794	105	9	oecd	oecd	PROPN
cjfa-18794	105	10	countries	country	NOUN
cjfa-18794	105	11	in	in	ADP
cjfa-18794	105	12	the	the	DET
cjfa-18794	105	13	long	long	ADJ
cjfa-18794	105	14	run	run	NOUN
cjfa-18794	105	15	is	be	AUX
cjfa-18794	105	16	negatively	negatively	ADV
cjfa-18794	105	17	related	relate	VERB
cjfa-18794	105	18	to	to	ADP
cjfa-18794	105	19	interest	interest	NOUN
cjfa-18794	105	20	rate	rate	NOUN
cjfa-18794	105	21	and	and	CCONJ
cjfa-18794	105	22	unemployment	unemployment	NOUN
cjfa-18794	105	23	rate	rate	NOUN
cjfa-18794	105	24	.	.	PUNCT
cjfa-18794	106	1	given	give	VERB
cjfa-18794	106	2	a	a	DET
cjfa-18794	106	3	significant	significant	ADJ
cjfa-18794	106	4	cross	cross	ADJ
cjfa-18794	106	5	-	-	ADJ
cjfa-18794	106	6	sectional	sectional	ADJ
cjfa-18794	106	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	106	8	in	in	ADP
cjfa-18794	106	9	the	the	DET
cjfa-18794	106	10	examined	examine	VERB
cjfa-18794	106	11	sample	sample	NOUN
cjfa-18794	106	12	and	and	CCONJ
cjfa-18794	106	13	the	the	DET
cjfa-18794	106	14	results	result	NOUN
cjfa-18794	106	15	of	of	ADP
cjfa-18794	106	16	the	the	DET
cjfa-18794	106	17	hausman	hausman	PROPN
cjfa-18794	106	18	specification	specification	PROPN
cjfa-18794	106	19	test	test	NOUN
cjfa-18794	106	20	,	,	PUNCT
cjfa-18794	106	21	the	the	DET
cjfa-18794	106	22	investigation	investigation	NOUN
cjfa-18794	106	23	has	have	AUX
cjfa-18794	106	24	been	be	AUX
cjfa-18794	106	25	based	base	VERB
cjfa-18794	106	26	on	on	ADP
cjfa-18794	106	27	a	a	DET
cjfa-18794	106	28	fixed	fix	VERB
cjfa-18794	106	29	-	-	PUNCT
cjfa-18794	106	30	effect	effect	NOUN
cjfa-18794	106	31	panel	panel	NOUN
cjfa-18794	106	32	data	datum	NOUN
cjfa-18794	106	33	regression	regression	NOUN
cjfa-18794	106	34	analysis	analysis	NOUN
cjfa-18794	106	35	.	.	PUNCT
cjfa-18794	107	1	the	the	DET
cjfa-18794	107	2	choice	choice	NOUN
cjfa-18794	107	3	of	of	ADP
cjfa-18794	107	4	the	the	DET
cjfa-18794	107	5	explanatory	explanatory	ADJ
cjfa-18794	107	6	variables	variable	NOUN
cjfa-18794	107	7	employed	employ	VERB
cjfa-18794	107	8	in	in	ADP
cjfa-18794	107	9	the	the	DET
cjfa-18794	107	10	model	model	NOUN
cjfa-18794	107	11	is	be	AUX
cjfa-18794	107	12	largely	largely	ADV
cjfa-18794	107	13	determined	determine	VERB
cjfa-18794	107	14	by	by	ADP
cjfa-18794	107	15	the	the	DET
cjfa-18794	107	16	availability	availability	NOUN
cjfa-18794	107	17	of	of	ADP
cjfa-18794	107	18	data	datum	NOUN
cjfa-18794	107	19	and	and	CCONJ
cjfa-18794	107	20	the	the	DET
cjfa-18794	107	21	pursuance	pursuance	NOUN
cjfa-18794	107	22	of	of	ADP
cjfa-18794	107	23	obtaining	obtain	VERB
cjfa-18794	107	24	a	a	DET
cjfa-18794	107	25	possibly	possibly	ADV
cjfa-18794	107	26	most	most	ADV
cjfa-18794	107	27	complete	complete	ADJ
cjfa-18794	107	28	dataset	dataset	NOUN
cjfa-18794	107	29	.	.	PUNCT
cjfa-18794	108	1	the	the	DET
cjfa-18794	108	2	variables	variable	NOUN
cjfa-18794	108	3	exhibiting	exhibit	VERB
cjfa-18794	108	4	a	a	DET
cjfa-18794	108	5	significant	significant	ADJ
cjfa-18794	108	6	skewness	skewness	NOUN
cjfa-18794	108	7	of	of	ADP
cjfa-18794	108	8	the	the	DET
cjfa-18794	108	9	distribution	distribution	NOUN
cjfa-18794	108	10	have	have	AUX
cjfa-18794	108	11	been	be	AUX
cjfa-18794	108	12	log	log	NOUN
cjfa-18794	108	13	-	-	PUNCT
cjfa-18794	108	14	transformed	transform	VERB
cjfa-18794	108	15	,	,	PUNCT
cjfa-18794	108	16	yielding	yield	VERB
cjfa-18794	108	17	the	the	DET
cjfa-18794	108	18	following	follow	VERB
cjfa-18794	108	19	regression	regression	NOUN
cjfa-18794	108	20	model	model	NOUN
cjfa-18794	108	21	:	:	PUNCT
cjfa-18794	108	22	�	�	PROPN
cjfa-18794	108	23	�	�	PROPN
cjfa-18794	108	24	�	�	PROPN
cjfa-18794	108	25	�	�	PROPN
cjfa-18794	108	26	�	�	PROPN
cjfa-18794	108	27	�	�	PROPN
cjfa-18794	108	28	�	�	PROPN
cjfa-18794	108	29	�	�	PROPN
cjfa-18794	108	30	�	�	PROPN
cjfa-18794	108	31	�	�	PROPN
cjfa-18794	108	32	+	+	CCONJ
cjfa-18794	108	33	�	�	PROPN
cjfa-18794	108	34	�	�	PROPN
cjfa-18794	108	35	�	�	PROPN
cjfa-18794	108	36	�	�	PROPN
cjfa-18794	108	37	�	�	PROPN
cjfa-18794	108	38	�	�	PROPN
cjfa-18794	108	39	�	�	PROPN
cjfa-18794	108	40	�	�	PROPN
cjfa-18794	108	41	�	�	PROPN
cjfa-18794	108	42	+	+	SYM
cjfa-18794	108	43	�	�	PROPN
cjfa-18794	108	44	�	�	PROPN
cjfa-18794	108	45	�	�	PROPN
cjfa-18794	108	46	�	�	PROPN
cjfa-18794	108	47	�	�	PROPN
cjfa-18794	108	48	�	�	PROPN
cjfa-18794	108	49	�	�	PROPN
cjfa-18794	108	50	�	�	PROPN
cjfa-18794	108	51	�	�	PROPN
cjfa-18794	108	52	�	�	PROPN
cjfa-18794	108	53	�	�	PROPN
cjfa-18794	108	54	+	+	SYM
cjfa-18794	108	55	�	�	PROPN
cjfa-18794	108	56	�	�	PROPN
cjfa-18794	108	57	�	�	PROPN
cjfa-18794	108	58	�	�	PROPN
cjfa-18794	108	59	�	�	PROPN
cjfa-18794	108	60	�	�	PROPN
cjfa-18794	108	61	�	�	PROPN
cjfa-18794	108	62	+	+	SYM
cjfa-18794	108	63	�	�	PROPN
cjfa-18794	108	64	�	�	PROPN
cjfa-18794	108	65	�	�	PROPN
cjfa-18794	108	66	�	�	PROPN
cjfa-18794	108	67	�	�	PROPN
cjfa-18794	108	68	�	�	PROPN
cjfa-18794	108	69	�	�	PROPN
cjfa-18794	108	70	�	�	PROPN
cjfa-18794	108	71	�	�	PROPN
cjfa-18794	108	72	+	+	SYM
cjfa-18794	108	73	�	�	PROPN
cjfa-18794	108	74	�	�	PROPN
cjfa-18794	108	75	�	�	PROPN
cjfa-18794	108	76	�	�	PROPN
cjfa-18794	108	77	�	�	PROPN
cjfa-18794	108	78	�	�	PROPN
cjfa-18794	108	79	�	�	PROPN
cjfa-18794	108	80	�	�	PROPN
cjfa-18794	108	81	�	�	PROPN
cjfa-18794	108	82	�	�	PROPN
cjfa-18794	108	83	�	�	PROPN
cjfa-18794	108	84	�	�	PROPN
cjfa-18794	108	85	�	�	PROPN
cjfa-18794	108	86	�	�	PROPN
cjfa-18794	108	87	�	�	PROPN
cjfa-18794	108	88	+	+	SYM
cjfa-18794	108	89	�	�	PROPN
cjfa-18794	108	90	�	�	PROPN
cjfa-18794	108	91	�	�	PROPN
cjfa-18794	108	92	�	�	PROPN
cjfa-18794	108	93	�	�	PROPN
cjfa-18794	108	94	�	�	PROPN
cjfa-18794	108	95	�	�	PROPN
cjfa-18794	108	96	�	�	PROPN
cjfa-18794	108	97	+	+	PROPN
cjfa-18794	108	98	�	�	PROPN
cjfa-18794	108	99	�	�	PROPN
cjfa-18794	108	100	�	�	PROPN
cjfa-18794	108	101	�	�	PROPN
cjfa-18794	108	102	�	�	PROPN
cjfa-18794	108	103	�	�	PROPN
cjfa-18794	108	104	�	�	PROPN
cjfa-18794	108	105	�	�	PROPN
cjfa-18794	108	106	�	�	PROPN
cjfa-18794	108	107	+	+	PROPN
cjfa-18794	108	108	�	�	PROPN
cjfa-18794	108	109	�	�	PROPN
cjfa-18794	108	110	�	�	PROPN
cjfa-18794	108	111	�	�	PROPN
cjfa-18794	108	112	�	�	PROPN
cjfa-18794	108	113	�	�	PROPN
cjfa-18794	108	114	�	�	PROPN
cjfa-18794	108	115	�	�	PROPN
cjfa-18794	108	116	�	�	PROPN
cjfa-18794	108	117	�	�	PROPN
cjfa-18794	108	118	+	+	SYM
cjfa-18794	108	119	�	�	PROPN
cjfa-18794	108	120	�	�	PROPN
cjfa-18794	108	121	�	�	PROPN
cjfa-18794	108	122	�	�	PROPN
cjfa-18794	108	123	�	�	PROPN
cjfa-18794	108	124	�	�	PROPN
cjfa-18794	108	125	�	�	PROPN
cjfa-18794	108	126	�	�	PROPN
cjfa-18794	108	127	+	+	SYM
cjfa-18794	108	128	�	�	PROPN
cjfa-18794	108	129	�	�	PROPN
cjfa-18794	108	130	+	+	CCONJ
cjfa-18794	108	131	�	�	PROPN
cjfa-18794	108	132	�	�	PROPN
cjfa-18794	108	133	�	�	PROPN
cjfa-18794	109	1	where	where	SCONJ
cjfa-18794	109	2	:	:	PUNCT
cjfa-18794	109	3	‒	‒	X
cjfa-18794	109	4	�	�	PROPN
cjfa-18794	109	5	�	�	PROPN
cjfa-18794	109	6	�	�	PROPN
cjfa-18794	109	7	�	�	PROPN
cjfa-18794	109	8	�	�	PROPN
cjfa-18794	109	9	�	�	PROPN
cjfa-18794	109	10	�	�	PROPN
cjfa-18794	109	11	–	–	PUNCT
cjfa-18794	109	12	natural	natural	ADJ
cjfa-18794	109	13	log	log	NOUN
cjfa-18794	109	14	of	of	ADP
cjfa-18794	109	15	the	the	DET
cjfa-18794	109	16	total	total	ADJ
cjfa-18794	109	17	household	household	NOUN
cjfa-18794	109	18	debt	debt	NOUN
cjfa-18794	109	19	to	to	ADP
cjfa-18794	109	20	net	net	ADJ
cjfa-18794	109	21	disposable	disposable	ADJ
cjfa-18794	109	22	income	income	NOUN
cjfa-18794	109	23	,	,	PUNCT
cjfa-18794	109	24	‒	‒	X
cjfa-18794	109	25	�	�	PROPN
cjfa-18794	109	26	�	�	PROPN
cjfa-18794	109	27	�	�	PROPN
cjfa-18794	109	28	�	�	PROPN
cjfa-18794	109	29	�	�	PROPN
cjfa-18794	109	30	�	�	PROPN
cjfa-18794	109	31	–	–	PUNCT
cjfa-18794	109	32	natural	natural	ADJ
cjfa-18794	109	33	log	log	NOUN
cjfa-18794	109	34	of	of	ADP
cjfa-18794	109	35	the	the	DET
cjfa-18794	109	36	average	average	ADJ
cjfa-18794	109	37	annual	annual	ADJ
cjfa-18794	109	38	wage	wage	NOUN
cjfa-18794	109	39	(	(	PUNCT
cjfa-18794	109	40	constant	constant	ADJ
cjfa-18794	109	41	ppp	ppp	NOUN
cjfa-18794	109	42	)	)	PUNCT
cjfa-18794	109	43	,	,	PUNCT
cjfa-18794	109	44	‒	‒	X
cjfa-18794	109	45	�	�	PROPN
cjfa-18794	109	46	�	�	PROPN
cjfa-18794	109	47	�	�	PROPN
cjfa-18794	109	48	�	�	PROPN
cjfa-18794	109	49	�	�	PROPN
cjfa-18794	109	50	�	�	PROPN
cjfa-18794	109	51	�	�	PROPN
cjfa-18794	109	52	�	�	PROPN
cjfa-18794	109	53	–	–	PUNCT
cjfa-18794	109	54	natural	natural	ADJ
cjfa-18794	109	55	log	log	NOUN
cjfa-18794	109	56	of	of	ADP
cjfa-18794	109	57	the	the	DET
cjfa-18794	109	58	rate	rate	NOUN
cjfa-18794	109	59	of	of	ADP
cjfa-18794	109	60	growth	growth	NOUN
cjfa-18794	109	61	in	in	ADP
cjfa-18794	109	62	real	real	ADJ
cjfa-18794	109	63	gdp	gdp	NOUN
cjfa-18794	109	64	per	per	ADP
cjfa-18794	109	65	person	person	NOUN
cjfa-18794	109	66	(	(	PUNCT
cjfa-18794	109	67	constant	constant	ADJ
cjfa-18794	109	68	ppp	ppp	NOUN
cjfa-18794	109	69	)	)	PUNCT
cjfa-18794	109	70	,	,	PUNCT
cjfa-18794	109	71	‒	‒	X
cjfa-18794	109	72	�	�	PROPN
cjfa-18794	109	73	�	�	PROPN
cjfa-18794	109	74	�	�	PROPN
cjfa-18794	109	75	�	�	PROPN
cjfa-18794	109	76	–	–	PUNCT
cjfa-18794	109	77	short	short	ADJ
cjfa-18794	109	78	-	-	PUNCT
cjfa-18794	109	79	term	term	NOUN
cjfa-18794	109	80	interest	interest	NOUN
cjfa-18794	109	81	rate	rate	NOUN
cjfa-18794	109	82	,	,	PUNCT
cjfa-18794	109	83	‒	‒	X
cjfa-18794	109	84	�	�	PROPN
cjfa-18794	109	85	�	�	PROPN
cjfa-18794	109	86	�	�	PROPN
cjfa-18794	109	87	�	�	PROPN
cjfa-18794	109	88	�	�	PROPN
cjfa-18794	109	89	�	�	PROPN
cjfa-18794	109	90	–	–	PUNCT
cjfa-18794	109	91	natural	natural	ADJ
cjfa-18794	109	92	log	log	NOUN
cjfa-18794	109	93	of	of	ADP
cjfa-18794	109	94	the	the	DET
cjfa-18794	109	95	unemployment	unemployment	NOUN
cjfa-18794	109	96	rate	rate	NOUN
cjfa-18794	109	97	,	,	PUNCT
cjfa-18794	109	98	‒	‒	X
cjfa-18794	109	99	�	�	PROPN
cjfa-18794	109	100	�	�	PROPN
cjfa-18794	109	101	�	�	PROPN
cjfa-18794	109	102	�	�	PROPN
cjfa-18794	109	103	�	�	PROPN
cjfa-18794	109	104	�	�	PROPN
cjfa-18794	109	105	–	–	PUNCT
cjfa-18794	109	106	housing	housing	NOUN
cjfa-18794	109	107	rent	rent	NOUN
cjfa-18794	109	108	price	price	NOUN
cjfa-18794	109	109	index	index	NOUN
cjfa-18794	109	110	,	,	PUNCT
cjfa-18794	109	111	‒	‒	X
cjfa-18794	109	112	�	�	PROPN
cjfa-18794	109	113	�	�	PROPN
cjfa-18794	109	114	�	�	PROPN
cjfa-18794	109	115	�	�	PROPN
cjfa-18794	109	116	�	�	PROPN
cjfa-18794	109	117	�	�	PROPN
cjfa-18794	109	118	�	�	PROPN
cjfa-18794	109	119	�	�	PROPN
cjfa-18794	109	120	�	�	PROPN
cjfa-18794	109	121	�	�	PROPN
cjfa-18794	109	122	�	�	PROPN
cjfa-18794	109	123	�	�	PROPN
cjfa-18794	109	124	–	–	PUNCT
cjfa-18794	109	125	natural	natural	ADJ
cjfa-18794	109	126	log	log	NOUN
cjfa-18794	109	127	of	of	ADP
cjfa-18794	109	128	the	the	DET
cjfa-18794	109	129	share	share	NOUN
cjfa-18794	109	130	of	of	ADP
cjfa-18794	109	131	population	population	NOUN
cjfa-18794	109	132	aged	aged	ADJ
cjfa-18794	109	133	25–39	25–39	NUM
cjfa-18794	109	134	,	,	PUNCT
cjfa-18794	109	135	‒	‒	X
cjfa-18794	109	136	�	�	PROPN
cjfa-18794	109	137	�	�	PROPN
cjfa-18794	109	138	�	�	PROPN
cjfa-18794	109	139	�	�	PROPN
cjfa-18794	109	140	�	�	PROPN
cjfa-18794	109	141	–	–	PUNCT
cjfa-18794	109	142	the	the	DET
cjfa-18794	109	143	share	share	NOUN
cjfa-18794	109	144	of	of	ADP
cjfa-18794	109	145	population	population	NOUN
cjfa-18794	109	146	aged	age	VERB
cjfa-18794	109	147	25–64	25–64	NUM
cjfa-18794	109	148	with	with	ADP
cjfa-18794	109	149	tertiary	tertiary	ADJ
cjfa-18794	109	150	education	education	NOUN
cjfa-18794	109	151	attainment	attainment	NOUN
cjfa-18794	109	152	,	,	PUNCT
cjfa-18794	109	153	where	where	SCONJ
cjfa-18794	109	154	:	:	PUNCT
cjfa-18794	109	155	‒	‒	X
cjfa-18794	109	156	particular	particular	ADJ
cjfa-18794	109	157	,	,	PUNCT
cjfa-18794	109	158	the	the	DET
cjfa-18794	109	159	evidence	evidence	NOUN
cjfa-18794	109	160	based	base	VERB
cjfa-18794	109	161	on	on	ADP
cjfa-18794	109	162	both	both	CCONJ
cjfa-18794	109	163	broader	broad	ADJ
cjfa-18794	109	164	international	international	ADJ
cjfa-18794	109	165	data	datum	NOUN
cjfa-18794	109	166	and	and	CCONJ
cjfa-18794	109	167	a	a	DET
cjfa-18794	109	168	wide	wide	ADJ
cjfa-18794	109	169	set	set	NOUN
cjfa-18794	109	170	of	of	ADP
cjfa-18794	109	171	examined	examine	VERB
cjfa-18794	109	172	explanatory	explanatory	ADJ
cjfa-18794	109	173	variables	variable	NOUN
cjfa-18794	109	174	remains	remain	VERB
cjfa-18794	109	175	rather	rather	ADV
cjfa-18794	109	176	modest	modest	ADJ
cjfa-18794	109	177	.	.	PUNCT
cjfa-18794	110	1	the	the	DET
cjfa-18794	110	2	present	present	ADJ
cjfa-18794	110	3	study	study	NOUN
cjfa-18794	110	4	attempts	attempt	VERB
cjfa-18794	110	5	therefore	therefore	ADV
cjfa-18794	110	6	to	to	PART
cjfa-18794	110	7	contribute	contribute	VERB
cjfa-18794	110	8	to	to	ADP
cjfa-18794	110	9	the	the	DET
cjfa-18794	110	10	existing	exist	VERB
cjfa-18794	110	11	literature	literature	NOUN
cjfa-18794	110	12	by	by	ADP
cjfa-18794	110	13	filling	fill	VERB
cjfa-18794	110	14	this	this	DET
cjfa-18794	110	15	gap	gap	NOUN
cjfa-18794	110	16	.	.	PUNCT
cjfa-18794	111	1	the	the	DET
cjfa-18794	111	2	research	research	NOUN
cjfa-18794	111	3	methodology	methodology	NOUN
cjfa-18794	111	4	and	and	CCONJ
cjfa-18794	111	5	the	the	DET
cjfa-18794	111	6	course	course	NOUN
cjfa-18794	111	7	of	of	ADP
cjfa-18794	111	8	the	the	DET
cjfa-18794	111	9	research	research	NOUN
cjfa-18794	111	10	process	process	NOUN
cjfa-18794	111	11	the	the	DET
cjfa-18794	111	12	empirical	empirical	ADJ
cjfa-18794	111	13	evidence	evidence	NOUN
cjfa-18794	111	14	in	in	ADP
cjfa-18794	111	15	the	the	DET
cjfa-18794	111	16	relevant	relevant	ADJ
cjfa-18794	111	17	literature	literature	NOUN
cjfa-18794	111	18	allows	allow	VERB
cjfa-18794	111	19	to	to	PART
cjfa-18794	111	20	formulate	formulate	VERB
cjfa-18794	111	21	the	the	DET
cjfa-18794	111	22	following	follow	VERB
cjfa-18794	111	23	set	set	NOUN
cjfa-18794	111	24	of	of	ADP
cjfa-18794	111	25	research	research	NOUN
cjfa-18794	111	26	hypotheses	hypothesis	NOUN
cjfa-18794	111	27	:	:	PUNCT
cjfa-18794	111	28	h1	h1	NOUN
cjfa-18794	111	29	:	:	PUNCT
cjfa-18794	111	30	the	the	DET
cjfa-18794	111	31	household	household	NOUN
cjfa-18794	111	32	dti	dti	PROPN
cjfa-18794	111	33	ratio	ratio	NOUN
cjfa-18794	111	34	in	in	ADP
cjfa-18794	111	35	the	the	DET
cjfa-18794	111	36	oecd	oecd	PROPN
cjfa-18794	111	37	countries	country	NOUN
cjfa-18794	111	38	in	in	ADP
cjfa-18794	111	39	the	the	DET
cjfa-18794	111	40	long	long	ADJ
cjfa-18794	111	41	run	run	NOUN
cjfa-18794	111	42	is	be	AUX
cjfa-18794	111	43	positively	positively	ADV
cjfa-18794	111	44	related	relate	VERB
cjfa-18794	111	45	to	to	ADP
cjfa-18794	111	46	average	average	ADJ
cjfa-18794	111	47	wages	wage	NOUN
cjfa-18794	111	48	,	,	PUNCT
cjfa-18794	111	49	the	the	DET
cjfa-18794	111	50	rate	rate	NOUN
cjfa-18794	111	51	of	of	ADP
cjfa-18794	111	52	economic	economic	ADJ
cjfa-18794	111	53	growth	growth	NOUN
cjfa-18794	111	54	,	,	PUNCT
cjfa-18794	111	55	the	the	DET
cjfa-18794	111	56	share	share	NOUN
cjfa-18794	111	57	of	of	ADP
cjfa-18794	111	58	young	young	ADJ
cjfa-18794	111	59	and	and	CCONJ
cjfa-18794	111	60	middle	middle	ADJ
cjfa-18794	111	61	-	-	PUNCT
cjfa-18794	111	62	aged	aged	ADJ
cjfa-18794	111	63	population	population	NOUN
cjfa-18794	111	64	cohorts	cohort	NOUN
cjfa-18794	111	65	,	,	PUNCT
cjfa-18794	111	66	the	the	DET
cjfa-18794	111	67	share	share	NOUN
cjfa-18794	111	68	of	of	ADP
cjfa-18794	111	69	population	population	NOUN
cjfa-18794	111	70	with	with	ADP
cjfa-18794	111	71	tertiary	tertiary	ADJ
cjfa-18794	111	72	education	education	NOUN
cjfa-18794	111	73	attainment	attainment	NOUN
cjfa-18794	111	74	,	,	PUNCT
cjfa-18794	111	75	housing	housing	NOUN
cjfa-18794	111	76	prices	price	NOUN
cjfa-18794	111	77	,	,	PUNCT
cjfa-18794	111	78	wage	wage	NOUN
cjfa-18794	111	79	-	-	PUNCT
cjfa-18794	111	80	productivity	productivity	NOUN
cjfa-18794	111	81	gap	gap	NOUN
cjfa-18794	111	82	,	,	PUNCT
cjfa-18794	111	83	and	and	CCONJ
cjfa-18794	111	84	income	income	NOUN
cjfa-18794	111	85	inequality	inequality	NOUN
cjfa-18794	111	86	.	.	PUNCT
cjfa-18794	112	1	h2	h2	NOUN
cjfa-18794	112	2	:	:	PUNCT
cjfa-18794	112	3	the	the	DET
cjfa-18794	112	4	household	household	NOUN
cjfa-18794	112	5	dti	dti	PROPN
cjfa-18794	112	6	ratio	ratio	NOUN
cjfa-18794	112	7	in	in	ADP
cjfa-18794	112	8	the	the	DET
cjfa-18794	112	9	oecd	oecd	PROPN
cjfa-18794	112	10	countries	country	NOUN
cjfa-18794	112	11	in	in	ADP
cjfa-18794	112	12	the	the	DET
cjfa-18794	112	13	long	long	ADJ
cjfa-18794	112	14	run	run	NOUN
cjfa-18794	112	15	is	be	AUX
cjfa-18794	112	16	negatively	negatively	ADV
cjfa-18794	112	17	related	relate	VERB
cjfa-18794	112	18	to	to	ADP
cjfa-18794	112	19	interest	interest	NOUN
cjfa-18794	112	20	rate	rate	NOUN
cjfa-18794	112	21	and	and	CCONJ
cjfa-18794	112	22	unemployment	unemployment	NOUN
cjfa-18794	112	23	rate	rate	NOUN
cjfa-18794	112	24	.	.	PUNCT
cjfa-18794	113	1	given	give	VERB
cjfa-18794	113	2	a	a	DET
cjfa-18794	113	3	significant	significant	ADJ
cjfa-18794	113	4	cross	cross	ADJ
cjfa-18794	113	5	-	-	ADJ
cjfa-18794	113	6	sectional	sectional	ADJ
cjfa-18794	113	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	113	8	in	in	ADP
cjfa-18794	113	9	the	the	DET
cjfa-18794	113	10	examined	examine	VERB
cjfa-18794	113	11	sample	sample	NOUN
cjfa-18794	113	12	and	and	CCONJ
cjfa-18794	113	13	the	the	DET
cjfa-18794	113	14	results	result	NOUN
cjfa-18794	113	15	of	of	ADP
cjfa-18794	113	16	the	the	DET
cjfa-18794	113	17	hausman	hausman	PROPN
cjfa-18794	113	18	specification	specification	PROPN
cjfa-18794	113	19	test	test	NOUN
cjfa-18794	113	20	,	,	PUNCT
cjfa-18794	113	21	the	the	DET
cjfa-18794	113	22	investigation	investigation	NOUN
cjfa-18794	113	23	has	have	AUX
cjfa-18794	113	24	been	be	AUX
cjfa-18794	113	25	based	base	VERB
cjfa-18794	113	26	on	on	ADP
cjfa-18794	113	27	a	a	DET
cjfa-18794	113	28	fixed	fix	VERB
cjfa-18794	113	29	-	-	PUNCT
cjfa-18794	113	30	effect	effect	NOUN
cjfa-18794	113	31	panel	panel	NOUN
cjfa-18794	113	32	data	datum	NOUN
cjfa-18794	113	33	regression	regression	NOUN
cjfa-18794	113	34	analysis	analysis	NOUN
cjfa-18794	113	35	.	.	PUNCT
cjfa-18794	114	1	the	the	DET
cjfa-18794	114	2	choice	choice	NOUN
cjfa-18794	114	3	of	of	ADP
cjfa-18794	114	4	the	the	DET
cjfa-18794	114	5	explanatory	explanatory	ADJ
cjfa-18794	114	6	variables	variable	NOUN
cjfa-18794	114	7	employed	employ	VERB
cjfa-18794	114	8	in	in	ADP
cjfa-18794	114	9	the	the	DET
cjfa-18794	114	10	model	model	NOUN
cjfa-18794	114	11	is	be	AUX
cjfa-18794	114	12	largely	largely	ADV
cjfa-18794	114	13	determined	determine	VERB
cjfa-18794	114	14	by	by	ADP
cjfa-18794	114	15	the	the	DET
cjfa-18794	114	16	availability	availability	NOUN
cjfa-18794	114	17	of	of	ADP
cjfa-18794	114	18	data	datum	NOUN
cjfa-18794	114	19	and	and	CCONJ
cjfa-18794	114	20	the	the	DET
cjfa-18794	114	21	pursuance	pursuance	NOUN
cjfa-18794	114	22	of	of	ADP
cjfa-18794	114	23	obtaining	obtain	VERB
cjfa-18794	114	24	a	a	DET
cjfa-18794	114	25	possibly	possibly	ADV
cjfa-18794	114	26	most	most	ADV
cjfa-18794	114	27	complete	complete	ADJ
cjfa-18794	114	28	dataset	dataset	NOUN
cjfa-18794	114	29	.	.	PUNCT
cjfa-18794	115	1	the	the	DET
cjfa-18794	115	2	variables	variable	NOUN
cjfa-18794	115	3	exhibiting	exhibit	VERB
cjfa-18794	115	4	a	a	DET
cjfa-18794	115	5	significant	significant	ADJ
cjfa-18794	115	6	skewness	skewness	NOUN
cjfa-18794	115	7	of	of	ADP
cjfa-18794	115	8	the	the	DET
cjfa-18794	115	9	distribution	distribution	NOUN
cjfa-18794	115	10	have	have	AUX
cjfa-18794	115	11	been	be	AUX
cjfa-18794	115	12	log	log	NOUN
cjfa-18794	115	13	-	-	PUNCT
cjfa-18794	115	14	transformed	transform	VERB
cjfa-18794	115	15	,	,	PUNCT
cjfa-18794	115	16	yielding	yield	VERB
cjfa-18794	115	17	the	the	DET
cjfa-18794	115	18	following	follow	VERB
cjfa-18794	115	19	regression	regression	NOUN
cjfa-18794	115	20	model	model	NOUN
cjfa-18794	115	21	:	:	PUNCT
cjfa-18794	115	22	�	�	PROPN
cjfa-18794	115	23	�	�	PROPN
cjfa-18794	115	24	�	�	PROPN
cjfa-18794	115	25	�	�	PROPN
cjfa-18794	115	26	�	�	PROPN
cjfa-18794	115	27	�	�	PROPN
cjfa-18794	115	28	�	�	PROPN
cjfa-18794	115	29	�	�	PROPN
cjfa-18794	115	30	�	�	PROPN
cjfa-18794	115	31	�	�	PROPN
cjfa-18794	115	32	+	+	CCONJ
cjfa-18794	115	33	�	�	PROPN
cjfa-18794	115	34	�	�	PROPN
cjfa-18794	115	35	�	�	PROPN
cjfa-18794	115	36	�	�	PROPN
cjfa-18794	115	37	�	�	PROPN
cjfa-18794	115	38	�	�	PROPN
cjfa-18794	115	39	�	�	PROPN
cjfa-18794	115	40	�	�	PROPN
cjfa-18794	115	41	�	�	PROPN
cjfa-18794	115	42	+	+	SYM
cjfa-18794	115	43	�	�	PROPN
cjfa-18794	115	44	�	�	PROPN
cjfa-18794	115	45	�	�	PROPN
cjfa-18794	115	46	�	�	PROPN
cjfa-18794	115	47	�	�	PROPN
cjfa-18794	115	48	�	�	PROPN
cjfa-18794	115	49	�	�	PROPN
cjfa-18794	115	50	�	�	PROPN
cjfa-18794	115	51	�	�	PROPN
cjfa-18794	115	52	�	�	PROPN
cjfa-18794	115	53	�	�	PROPN
cjfa-18794	115	54	+	+	SYM
cjfa-18794	115	55	�	�	PROPN
cjfa-18794	115	56	�	�	PROPN
cjfa-18794	115	57	�	�	PROPN
cjfa-18794	115	58	�	�	PROPN
cjfa-18794	115	59	�	�	PROPN
cjfa-18794	115	60	�	�	PROPN
cjfa-18794	115	61	�	�	PROPN
cjfa-18794	115	62	+	+	SYM
cjfa-18794	115	63	�	�	PROPN
cjfa-18794	115	64	�	�	PROPN
cjfa-18794	115	65	�	�	PROPN
cjfa-18794	115	66	�	�	PROPN
cjfa-18794	115	67	�	�	PROPN
cjfa-18794	115	68	�	�	PROPN
cjfa-18794	115	69	�	�	PROPN
cjfa-18794	115	70	�	�	PROPN
cjfa-18794	115	71	�	�	PROPN
cjfa-18794	115	72	+	+	SYM
cjfa-18794	115	73	�	�	PROPN
cjfa-18794	115	74	�	�	PROPN
cjfa-18794	115	75	�	�	PROPN
cjfa-18794	115	76	�	�	PROPN
cjfa-18794	115	77	�	�	PROPN
cjfa-18794	115	78	�	�	PROPN
cjfa-18794	115	79	�	�	PROPN
cjfa-18794	115	80	�	�	PROPN
cjfa-18794	115	81	�	�	PROPN
cjfa-18794	115	82	�	�	PROPN
cjfa-18794	115	83	�	�	PROPN
cjfa-18794	115	84	�	�	PROPN
cjfa-18794	115	85	�	�	PROPN
cjfa-18794	115	86	�	�	PROPN
cjfa-18794	115	87	�	�	PROPN
cjfa-18794	115	88	+	+	SYM
cjfa-18794	115	89	�	�	PROPN
cjfa-18794	115	90	�	�	PROPN
cjfa-18794	115	91	�	�	PROPN
cjfa-18794	115	92	�	�	PROPN
cjfa-18794	115	93	�	�	PROPN
cjfa-18794	115	94	�	�	PROPN
cjfa-18794	115	95	�	�	PROPN
cjfa-18794	115	96	�	�	PROPN
cjfa-18794	115	97	+	+	PROPN
cjfa-18794	115	98	�	�	PROPN
cjfa-18794	115	99	�	�	PROPN
cjfa-18794	115	100	�	�	PROPN
cjfa-18794	115	101	�	�	PROPN
cjfa-18794	115	102	�	�	PROPN
cjfa-18794	115	103	�	�	PROPN
cjfa-18794	115	104	�	�	PROPN
cjfa-18794	115	105	�	�	PROPN
cjfa-18794	115	106	�	�	PROPN
cjfa-18794	115	107	+	+	PROPN
cjfa-18794	115	108	�	�	PROPN
cjfa-18794	115	109	�	�	PROPN
cjfa-18794	115	110	�	�	PROPN
cjfa-18794	115	111	�	�	PROPN
cjfa-18794	115	112	�	�	PROPN
cjfa-18794	115	113	�	�	PROPN
cjfa-18794	115	114	�	�	PROPN
cjfa-18794	115	115	�	�	PROPN
cjfa-18794	115	116	�	�	PROPN
cjfa-18794	115	117	�	�	PROPN
cjfa-18794	115	118	+	+	SYM
cjfa-18794	115	119	�	�	PROPN
cjfa-18794	115	120	�	�	PROPN
cjfa-18794	115	121	�	�	PROPN
cjfa-18794	115	122	�	�	PROPN
cjfa-18794	115	123	�	�	PROPN
cjfa-18794	115	124	�	�	PROPN
cjfa-18794	115	125	�	�	PROPN
cjfa-18794	115	126	�	�	PROPN
cjfa-18794	115	127	+	+	SYM
cjfa-18794	115	128	�	�	PROPN
cjfa-18794	115	129	�	�	PROPN
cjfa-18794	115	130	+	+	CCONJ
cjfa-18794	115	131	�	�	PROPN
cjfa-18794	115	132	�	�	PROPN
cjfa-18794	115	133	�	�	PROPN
cjfa-18794	116	1	where	where	SCONJ
cjfa-18794	116	2	:	:	PUNCT
cjfa-18794	116	3	‒	‒	X
cjfa-18794	116	4	�	�	PROPN
cjfa-18794	116	5	�	�	PROPN
cjfa-18794	116	6	�	�	PROPN
cjfa-18794	116	7	�	�	PROPN
cjfa-18794	116	8	�	�	PROPN
cjfa-18794	116	9	�	�	PROPN
cjfa-18794	116	10	�	�	PROPN
cjfa-18794	116	11	–	–	PUNCT
cjfa-18794	116	12	natural	natural	ADJ
cjfa-18794	116	13	log	log	NOUN
cjfa-18794	116	14	of	of	ADP
cjfa-18794	116	15	the	the	DET
cjfa-18794	116	16	total	total	ADJ
cjfa-18794	116	17	household	household	NOUN
cjfa-18794	116	18	debt	debt	NOUN
cjfa-18794	116	19	to	to	ADP
cjfa-18794	116	20	net	net	ADJ
cjfa-18794	116	21	disposable	disposable	ADJ
cjfa-18794	116	22	income	income	NOUN
cjfa-18794	116	23	,	,	PUNCT
cjfa-18794	116	24	‒	‒	X
cjfa-18794	116	25	�	�	PROPN
cjfa-18794	116	26	�	�	PROPN
cjfa-18794	116	27	�	�	PROPN
cjfa-18794	116	28	�	�	PROPN
cjfa-18794	116	29	�	�	PROPN
cjfa-18794	116	30	�	�	PROPN
cjfa-18794	116	31	–	–	PUNCT
cjfa-18794	116	32	natural	natural	ADJ
cjfa-18794	116	33	log	log	NOUN
cjfa-18794	116	34	of	of	ADP
cjfa-18794	116	35	the	the	DET
cjfa-18794	116	36	average	average	ADJ
cjfa-18794	116	37	annual	annual	ADJ
cjfa-18794	116	38	wage	wage	NOUN
cjfa-18794	116	39	(	(	PUNCT
cjfa-18794	116	40	constant	constant	ADJ
cjfa-18794	116	41	ppp	ppp	NOUN
cjfa-18794	116	42	)	)	PUNCT
cjfa-18794	116	43	,	,	PUNCT
cjfa-18794	116	44	‒	‒	X
cjfa-18794	116	45	�	�	PROPN
cjfa-18794	116	46	�	�	PROPN
cjfa-18794	116	47	�	�	PROPN
cjfa-18794	116	48	�	�	PROPN
cjfa-18794	116	49	�	�	PROPN
cjfa-18794	116	50	�	�	PROPN
cjfa-18794	116	51	�	�	PROPN
cjfa-18794	116	52	�	�	PROPN
cjfa-18794	116	53	–	–	PUNCT
cjfa-18794	116	54	natural	natural	ADJ
cjfa-18794	116	55	log	log	NOUN
cjfa-18794	116	56	of	of	ADP
cjfa-18794	116	57	the	the	DET
cjfa-18794	116	58	rate	rate	NOUN
cjfa-18794	116	59	of	of	ADP
cjfa-18794	116	60	growth	growth	NOUN
cjfa-18794	116	61	in	in	ADP
cjfa-18794	116	62	real	real	ADJ
cjfa-18794	116	63	gdp	gdp	NOUN
cjfa-18794	116	64	per	per	ADP
cjfa-18794	116	65	person	person	NOUN
cjfa-18794	116	66	(	(	PUNCT
cjfa-18794	116	67	constant	constant	ADJ
cjfa-18794	116	68	ppp	ppp	NOUN
cjfa-18794	116	69	)	)	PUNCT
cjfa-18794	116	70	,	,	PUNCT
cjfa-18794	116	71	‒	‒	X
cjfa-18794	116	72	�	�	PROPN
cjfa-18794	116	73	�	�	PROPN
cjfa-18794	116	74	�	�	PROPN
cjfa-18794	116	75	�	�	PROPN
cjfa-18794	116	76	–	–	PUNCT
cjfa-18794	116	77	short	short	ADJ
cjfa-18794	116	78	-	-	PUNCT
cjfa-18794	116	79	term	term	NOUN
cjfa-18794	116	80	interest	interest	NOUN
cjfa-18794	116	81	rate	rate	NOUN
cjfa-18794	116	82	,	,	PUNCT
cjfa-18794	116	83	‒	‒	X
cjfa-18794	116	84	�	�	PROPN
cjfa-18794	116	85	�	�	PROPN
cjfa-18794	116	86	�	�	PROPN
cjfa-18794	116	87	�	�	PROPN
cjfa-18794	116	88	�	�	PROPN
cjfa-18794	116	89	�	�	PROPN
cjfa-18794	116	90	–	–	PUNCT
cjfa-18794	116	91	natural	natural	ADJ
cjfa-18794	116	92	log	log	NOUN
cjfa-18794	116	93	of	of	ADP
cjfa-18794	116	94	the	the	DET
cjfa-18794	116	95	unemployment	unemployment	NOUN
cjfa-18794	116	96	rate	rate	NOUN
cjfa-18794	116	97	,	,	PUNCT
cjfa-18794	116	98	‒	‒	X
cjfa-18794	116	99	�	�	PROPN
cjfa-18794	116	100	�	�	PROPN
cjfa-18794	116	101	�	�	PROPN
cjfa-18794	116	102	�	�	PROPN
cjfa-18794	116	103	�	�	PROPN
cjfa-18794	116	104	�	�	PROPN
cjfa-18794	116	105	–	–	PUNCT
cjfa-18794	116	106	housing	housing	NOUN
cjfa-18794	116	107	rent	rent	NOUN
cjfa-18794	116	108	price	price	NOUN
cjfa-18794	116	109	index	index	NOUN
cjfa-18794	116	110	,	,	PUNCT
cjfa-18794	116	111	‒	‒	X
cjfa-18794	116	112	�	�	PROPN
cjfa-18794	116	113	�	�	PROPN
cjfa-18794	116	114	�	�	PROPN
cjfa-18794	116	115	�	�	PROPN
cjfa-18794	116	116	�	�	PROPN
cjfa-18794	116	117	�	�	PROPN
cjfa-18794	116	118	�	�	PROPN
cjfa-18794	116	119	�	�	PROPN
cjfa-18794	116	120	�	�	PROPN
cjfa-18794	116	121	�	�	PROPN
cjfa-18794	116	122	�	�	PROPN
cjfa-18794	116	123	�	�	PROPN
cjfa-18794	116	124	–	–	PUNCT
cjfa-18794	116	125	natural	natural	ADJ
cjfa-18794	116	126	log	log	NOUN
cjfa-18794	116	127	of	of	ADP
cjfa-18794	116	128	the	the	DET
cjfa-18794	116	129	share	share	NOUN
cjfa-18794	116	130	of	of	ADP
cjfa-18794	116	131	population	population	NOUN
cjfa-18794	116	132	aged	aged	ADJ
cjfa-18794	116	133	25–39	25–39	NUM
cjfa-18794	116	134	,	,	PUNCT
cjfa-18794	116	135	‒	‒	X
cjfa-18794	116	136	�	�	PROPN
cjfa-18794	116	137	�	�	PROPN
cjfa-18794	116	138	�	�	PROPN
cjfa-18794	116	139	�	�	PROPN
cjfa-18794	116	140	�	�	PROPN
cjfa-18794	116	141	–	–	PUNCT
cjfa-18794	116	142	the	the	DET
cjfa-18794	116	143	share	share	NOUN
cjfa-18794	116	144	of	of	ADP
cjfa-18794	116	145	population	population	NOUN
cjfa-18794	116	146	aged	age	VERB
cjfa-18794	116	147	25–64	25–64	NUM
cjfa-18794	116	148	with	with	ADP
cjfa-18794	116	149	tertiary	tertiary	ADJ
cjfa-18794	116	150	education	education	NOUN
cjfa-18794	116	151	attainment	attainment	NOUN
cjfa-18794	116	152	,	,	PUNCT
cjfa-18794	116	153	–	–	PUNCT
cjfa-18794	116	154	natural	natural	ADJ
cjfa-18794	116	155	log	log	NOUN
cjfa-18794	116	156	of	of	ADP
cjfa-18794	116	157	the	the	DET
cjfa-18794	116	158	total	total	ADJ
cjfa-18794	116	159	household	household	NOUN
cjfa-18794	116	160	debt	debt	NOUN
cjfa-18794	116	161	to	to	ADP
cjfa-18794	116	162	net	net	ADJ
cjfa-18794	116	163	disposable	disposable	ADJ
cjfa-18794	116	164	income	income	NOUN
cjfa-18794	116	165	,	,	PUNCT
cjfa-18794	116	166	‒	‒	X
cjfa-18794	116	167	particular	particular	ADJ
cjfa-18794	116	168	,	,	PUNCT
cjfa-18794	116	169	the	the	DET
cjfa-18794	116	170	evidence	evidence	NOUN
cjfa-18794	116	171	based	base	VERB
cjfa-18794	116	172	on	on	ADP
cjfa-18794	116	173	both	both	CCONJ
cjfa-18794	116	174	broader	broad	ADJ
cjfa-18794	116	175	international	international	ADJ
cjfa-18794	116	176	data	datum	NOUN
cjfa-18794	116	177	and	and	CCONJ
cjfa-18794	116	178	a	a	DET
cjfa-18794	116	179	wide	wide	ADJ
cjfa-18794	116	180	set	set	NOUN
cjfa-18794	116	181	of	of	ADP
cjfa-18794	116	182	examined	examine	VERB
cjfa-18794	116	183	explanatory	explanatory	ADJ
cjfa-18794	116	184	variables	variable	NOUN
cjfa-18794	116	185	remains	remain	VERB
cjfa-18794	116	186	rather	rather	ADV
cjfa-18794	116	187	modest	modest	ADJ
cjfa-18794	116	188	.	.	PUNCT
cjfa-18794	117	1	the	the	DET
cjfa-18794	117	2	present	present	ADJ
cjfa-18794	117	3	study	study	NOUN
cjfa-18794	117	4	attempts	attempt	VERB
cjfa-18794	117	5	therefore	therefore	ADV
cjfa-18794	117	6	to	to	PART
cjfa-18794	117	7	contribute	contribute	VERB
cjfa-18794	117	8	to	to	ADP
cjfa-18794	117	9	the	the	DET
cjfa-18794	117	10	existing	exist	VERB
cjfa-18794	117	11	literature	literature	NOUN
cjfa-18794	117	12	by	by	ADP
cjfa-18794	117	13	filling	fill	VERB
cjfa-18794	117	14	this	this	DET
cjfa-18794	117	15	gap	gap	NOUN
cjfa-18794	117	16	.	.	PUNCT
cjfa-18794	118	1	the	the	DET
cjfa-18794	118	2	research	research	NOUN
cjfa-18794	118	3	methodology	methodology	NOUN
cjfa-18794	118	4	and	and	CCONJ
cjfa-18794	118	5	the	the	DET
cjfa-18794	118	6	course	course	NOUN
cjfa-18794	118	7	of	of	ADP
cjfa-18794	118	8	the	the	DET
cjfa-18794	118	9	research	research	NOUN
cjfa-18794	118	10	process	process	NOUN
cjfa-18794	118	11	the	the	DET
cjfa-18794	118	12	empirical	empirical	ADJ
cjfa-18794	118	13	evidence	evidence	NOUN
cjfa-18794	118	14	in	in	ADP
cjfa-18794	118	15	the	the	DET
cjfa-18794	118	16	relevant	relevant	ADJ
cjfa-18794	118	17	literature	literature	NOUN
cjfa-18794	118	18	allows	allow	VERB
cjfa-18794	118	19	to	to	PART
cjfa-18794	118	20	formulate	formulate	VERB
cjfa-18794	118	21	the	the	DET
cjfa-18794	118	22	following	follow	VERB
cjfa-18794	118	23	set	set	NOUN
cjfa-18794	118	24	of	of	ADP
cjfa-18794	118	25	research	research	NOUN
cjfa-18794	118	26	hypotheses	hypothesis	NOUN
cjfa-18794	118	27	:	:	PUNCT
cjfa-18794	118	28	h1	h1	NOUN
cjfa-18794	118	29	:	:	PUNCT
cjfa-18794	118	30	the	the	DET
cjfa-18794	118	31	household	household	NOUN
cjfa-18794	118	32	dti	dti	PROPN
cjfa-18794	118	33	ratio	ratio	NOUN
cjfa-18794	118	34	in	in	ADP
cjfa-18794	118	35	the	the	DET
cjfa-18794	118	36	oecd	oecd	PROPN
cjfa-18794	118	37	countries	country	NOUN
cjfa-18794	118	38	in	in	ADP
cjfa-18794	118	39	the	the	DET
cjfa-18794	118	40	long	long	ADJ
cjfa-18794	118	41	run	run	NOUN
cjfa-18794	118	42	is	be	AUX
cjfa-18794	118	43	positively	positively	ADV
cjfa-18794	118	44	related	relate	VERB
cjfa-18794	118	45	to	to	ADP
cjfa-18794	118	46	average	average	ADJ
cjfa-18794	118	47	wages	wage	NOUN
cjfa-18794	118	48	,	,	PUNCT
cjfa-18794	118	49	the	the	DET
cjfa-18794	118	50	rate	rate	NOUN
cjfa-18794	118	51	of	of	ADP
cjfa-18794	118	52	economic	economic	ADJ
cjfa-18794	118	53	growth	growth	NOUN
cjfa-18794	118	54	,	,	PUNCT
cjfa-18794	118	55	the	the	DET
cjfa-18794	118	56	share	share	NOUN
cjfa-18794	118	57	of	of	ADP
cjfa-18794	118	58	young	young	ADJ
cjfa-18794	118	59	and	and	CCONJ
cjfa-18794	118	60	middle	middle	ADJ
cjfa-18794	118	61	-	-	PUNCT
cjfa-18794	118	62	aged	aged	ADJ
cjfa-18794	118	63	population	population	NOUN
cjfa-18794	118	64	cohorts	cohort	NOUN
cjfa-18794	118	65	,	,	PUNCT
cjfa-18794	118	66	the	the	DET
cjfa-18794	118	67	share	share	NOUN
cjfa-18794	118	68	of	of	ADP
cjfa-18794	118	69	population	population	NOUN
cjfa-18794	118	70	with	with	ADP
cjfa-18794	118	71	tertiary	tertiary	ADJ
cjfa-18794	118	72	education	education	NOUN
cjfa-18794	118	73	attainment	attainment	NOUN
cjfa-18794	118	74	,	,	PUNCT
cjfa-18794	118	75	housing	housing	NOUN
cjfa-18794	118	76	prices	price	NOUN
cjfa-18794	118	77	,	,	PUNCT
cjfa-18794	118	78	wage	wage	NOUN
cjfa-18794	118	79	-	-	PUNCT
cjfa-18794	118	80	productivity	productivity	NOUN
cjfa-18794	118	81	gap	gap	NOUN
cjfa-18794	118	82	,	,	PUNCT
cjfa-18794	118	83	and	and	CCONJ
cjfa-18794	118	84	income	income	NOUN
cjfa-18794	118	85	inequality	inequality	NOUN
cjfa-18794	118	86	.	.	PUNCT
cjfa-18794	119	1	h2	h2	NOUN
cjfa-18794	119	2	:	:	PUNCT
cjfa-18794	119	3	the	the	DET
cjfa-18794	119	4	household	household	NOUN
cjfa-18794	119	5	dti	dti	PROPN
cjfa-18794	119	6	ratio	ratio	NOUN
cjfa-18794	119	7	in	in	ADP
cjfa-18794	119	8	the	the	DET
cjfa-18794	119	9	oecd	oecd	PROPN
cjfa-18794	119	10	countries	country	NOUN
cjfa-18794	119	11	in	in	ADP
cjfa-18794	119	12	the	the	DET
cjfa-18794	119	13	long	long	ADJ
cjfa-18794	119	14	run	run	NOUN
cjfa-18794	119	15	is	be	AUX
cjfa-18794	119	16	negatively	negatively	ADV
cjfa-18794	119	17	related	relate	VERB
cjfa-18794	119	18	to	to	ADP
cjfa-18794	119	19	interest	interest	NOUN
cjfa-18794	119	20	rate	rate	NOUN
cjfa-18794	119	21	and	and	CCONJ
cjfa-18794	119	22	unemployment	unemployment	NOUN
cjfa-18794	119	23	rate	rate	NOUN
cjfa-18794	119	24	.	.	PUNCT
cjfa-18794	120	1	given	give	VERB
cjfa-18794	120	2	a	a	DET
cjfa-18794	120	3	significant	significant	ADJ
cjfa-18794	120	4	cross	cross	ADJ
cjfa-18794	120	5	-	-	ADJ
cjfa-18794	120	6	sectional	sectional	ADJ
cjfa-18794	120	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	120	8	in	in	ADP
cjfa-18794	120	9	the	the	DET
cjfa-18794	120	10	examined	examine	VERB
cjfa-18794	120	11	sample	sample	NOUN
cjfa-18794	120	12	and	and	CCONJ
cjfa-18794	120	13	the	the	DET
cjfa-18794	120	14	results	result	NOUN
cjfa-18794	120	15	of	of	ADP
cjfa-18794	120	16	the	the	DET
cjfa-18794	120	17	hausman	hausman	PROPN
cjfa-18794	120	18	specification	specification	PROPN
cjfa-18794	120	19	test	test	NOUN
cjfa-18794	120	20	,	,	PUNCT
cjfa-18794	120	21	the	the	DET
cjfa-18794	120	22	investigation	investigation	NOUN
cjfa-18794	120	23	has	have	AUX
cjfa-18794	120	24	been	be	AUX
cjfa-18794	120	25	based	base	VERB
cjfa-18794	120	26	on	on	ADP
cjfa-18794	120	27	a	a	DET
cjfa-18794	120	28	fixed	fix	VERB
cjfa-18794	120	29	-	-	PUNCT
cjfa-18794	120	30	effect	effect	NOUN
cjfa-18794	120	31	panel	panel	NOUN
cjfa-18794	120	32	data	datum	NOUN
cjfa-18794	120	33	regression	regression	NOUN
cjfa-18794	120	34	analysis	analysis	NOUN
cjfa-18794	120	35	.	.	PUNCT
cjfa-18794	121	1	the	the	DET
cjfa-18794	121	2	choice	choice	NOUN
cjfa-18794	121	3	of	of	ADP
cjfa-18794	121	4	the	the	DET
cjfa-18794	121	5	explanatory	explanatory	ADJ
cjfa-18794	121	6	variables	variable	NOUN
cjfa-18794	121	7	employed	employ	VERB
cjfa-18794	121	8	in	in	ADP
cjfa-18794	121	9	the	the	DET
cjfa-18794	121	10	model	model	NOUN
cjfa-18794	121	11	is	be	AUX
cjfa-18794	121	12	largely	largely	ADV
cjfa-18794	121	13	determined	determine	VERB
cjfa-18794	121	14	by	by	ADP
cjfa-18794	121	15	the	the	DET
cjfa-18794	121	16	availability	availability	NOUN
cjfa-18794	121	17	of	of	ADP
cjfa-18794	121	18	data	datum	NOUN
cjfa-18794	121	19	and	and	CCONJ
cjfa-18794	121	20	the	the	DET
cjfa-18794	121	21	pursuance	pursuance	NOUN
cjfa-18794	121	22	of	of	ADP
cjfa-18794	121	23	obtaining	obtain	VERB
cjfa-18794	121	24	a	a	DET
cjfa-18794	121	25	possibly	possibly	ADV
cjfa-18794	121	26	most	most	ADV
cjfa-18794	121	27	complete	complete	ADJ
cjfa-18794	121	28	dataset	dataset	NOUN
cjfa-18794	121	29	.	.	PUNCT
cjfa-18794	122	1	the	the	DET
cjfa-18794	122	2	variables	variable	NOUN
cjfa-18794	122	3	exhibiting	exhibit	VERB
cjfa-18794	122	4	a	a	DET
cjfa-18794	122	5	significant	significant	ADJ
cjfa-18794	122	6	skewness	skewness	NOUN
cjfa-18794	122	7	of	of	ADP
cjfa-18794	122	8	the	the	DET
cjfa-18794	122	9	distribution	distribution	NOUN
cjfa-18794	122	10	have	have	AUX
cjfa-18794	122	11	been	be	AUX
cjfa-18794	122	12	log	log	NOUN
cjfa-18794	122	13	-	-	PUNCT
cjfa-18794	122	14	transformed	transform	VERB
cjfa-18794	122	15	,	,	PUNCT
cjfa-18794	122	16	yielding	yield	VERB
cjfa-18794	122	17	the	the	DET
cjfa-18794	122	18	following	follow	VERB
cjfa-18794	122	19	regression	regression	NOUN
cjfa-18794	122	20	model	model	NOUN
cjfa-18794	122	21	:	:	PUNCT
cjfa-18794	122	22	�	�	PROPN
cjfa-18794	122	23	�	�	PROPN
cjfa-18794	122	24	�	�	PROPN
cjfa-18794	122	25	�	�	PROPN
cjfa-18794	122	26	�	�	PROPN
cjfa-18794	122	27	�	�	PROPN
cjfa-18794	122	28	�	�	PROPN
cjfa-18794	122	29	�	�	PROPN
cjfa-18794	122	30	�	�	PROPN
cjfa-18794	122	31	�	�	PROPN
cjfa-18794	122	32	+	+	CCONJ
cjfa-18794	122	33	�	�	PROPN
cjfa-18794	122	34	�	�	PROPN
cjfa-18794	122	35	�	�	PROPN
cjfa-18794	122	36	�	�	PROPN
cjfa-18794	122	37	�	�	PROPN
cjfa-18794	122	38	�	�	PROPN
cjfa-18794	122	39	�	�	PROPN
cjfa-18794	122	40	�	�	PROPN
cjfa-18794	122	41	�	�	PROPN
cjfa-18794	122	42	+	+	SYM
cjfa-18794	122	43	�	�	PROPN
cjfa-18794	122	44	�	�	PROPN
cjfa-18794	122	45	�	�	PROPN
cjfa-18794	122	46	�	�	PROPN
cjfa-18794	122	47	�	�	PROPN
cjfa-18794	122	48	�	�	PROPN
cjfa-18794	122	49	�	�	PROPN
cjfa-18794	122	50	�	�	PROPN
cjfa-18794	122	51	�	�	PROPN
cjfa-18794	122	52	�	�	PROPN
cjfa-18794	122	53	�	�	PROPN
cjfa-18794	122	54	+	+	SYM
cjfa-18794	122	55	�	�	PROPN
cjfa-18794	122	56	�	�	PROPN
cjfa-18794	122	57	�	�	PROPN
cjfa-18794	122	58	�	�	PROPN
cjfa-18794	122	59	�	�	PROPN
cjfa-18794	122	60	�	�	PROPN
cjfa-18794	122	61	�	�	PROPN
cjfa-18794	122	62	+	+	SYM
cjfa-18794	122	63	�	�	PROPN
cjfa-18794	122	64	�	�	PROPN
cjfa-18794	122	65	�	�	PROPN
cjfa-18794	122	66	�	�	PROPN
cjfa-18794	122	67	�	�	PROPN
cjfa-18794	122	68	�	�	PROPN
cjfa-18794	122	69	�	�	PROPN
cjfa-18794	122	70	�	�	PROPN
cjfa-18794	122	71	�	�	PROPN
cjfa-18794	122	72	+	+	SYM
cjfa-18794	122	73	�	�	PROPN
cjfa-18794	122	74	�	�	PROPN
cjfa-18794	122	75	�	�	PROPN
cjfa-18794	122	76	�	�	PROPN
cjfa-18794	122	77	�	�	PROPN
cjfa-18794	122	78	�	�	PROPN
cjfa-18794	122	79	�	�	PROPN
cjfa-18794	122	80	�	�	PROPN
cjfa-18794	122	81	�	�	PROPN
cjfa-18794	122	82	�	�	PROPN
cjfa-18794	122	83	�	�	PROPN
cjfa-18794	122	84	�	�	PROPN
cjfa-18794	122	85	�	�	PROPN
cjfa-18794	122	86	�	�	PROPN
cjfa-18794	122	87	�	�	PROPN
cjfa-18794	122	88	+	+	SYM
cjfa-18794	122	89	�	�	PROPN
cjfa-18794	122	90	�	�	PROPN
cjfa-18794	122	91	�	�	PROPN
cjfa-18794	122	92	�	�	PROPN
cjfa-18794	122	93	�	�	PROPN
cjfa-18794	122	94	�	�	PROPN
cjfa-18794	122	95	�	�	PROPN
cjfa-18794	122	96	�	�	PROPN
cjfa-18794	122	97	+	+	PROPN
cjfa-18794	122	98	�	�	PROPN
cjfa-18794	122	99	�	�	PROPN
cjfa-18794	122	100	�	�	PROPN
cjfa-18794	122	101	�	�	PROPN
cjfa-18794	122	102	�	�	PROPN
cjfa-18794	122	103	�	�	PROPN
cjfa-18794	122	104	�	�	PROPN
cjfa-18794	122	105	�	�	PROPN
cjfa-18794	122	106	�	�	PROPN
cjfa-18794	122	107	+	+	PROPN
cjfa-18794	122	108	�	�	PROPN
cjfa-18794	122	109	�	�	PROPN
cjfa-18794	122	110	�	�	PROPN
cjfa-18794	122	111	�	�	PROPN
cjfa-18794	122	112	�	�	PROPN
cjfa-18794	122	113	�	�	PROPN
cjfa-18794	122	114	�	�	PROPN
cjfa-18794	122	115	�	�	PROPN
cjfa-18794	122	116	�	�	PROPN
cjfa-18794	122	117	�	�	PROPN
cjfa-18794	122	118	+	+	SYM
cjfa-18794	122	119	�	�	PROPN
cjfa-18794	122	120	�	�	PROPN
cjfa-18794	122	121	�	�	PROPN
cjfa-18794	122	122	�	�	PROPN
cjfa-18794	122	123	�	�	PROPN
cjfa-18794	122	124	�	�	PROPN
cjfa-18794	122	125	�	�	PROPN
cjfa-18794	122	126	�	�	PROPN
cjfa-18794	122	127	+	+	SYM
cjfa-18794	122	128	�	�	PROPN
cjfa-18794	122	129	�	�	PROPN
cjfa-18794	122	130	+	+	CCONJ
cjfa-18794	122	131	�	�	PROPN
cjfa-18794	122	132	�	�	PROPN
cjfa-18794	122	133	�	�	PROPN
cjfa-18794	123	1	where	where	SCONJ
cjfa-18794	123	2	:	:	PUNCT
cjfa-18794	123	3	‒	‒	X
cjfa-18794	123	4	�	�	PROPN
cjfa-18794	123	5	�	�	PROPN
cjfa-18794	123	6	�	�	PROPN
cjfa-18794	123	7	�	�	PROPN
cjfa-18794	123	8	�	�	PROPN
cjfa-18794	123	9	�	�	PROPN
cjfa-18794	123	10	�	�	PROPN
cjfa-18794	123	11	–	–	PUNCT
cjfa-18794	123	12	natural	natural	ADJ
cjfa-18794	123	13	log	log	NOUN
cjfa-18794	123	14	of	of	ADP
cjfa-18794	123	15	the	the	DET
cjfa-18794	123	16	total	total	ADJ
cjfa-18794	123	17	household	household	NOUN
cjfa-18794	123	18	debt	debt	NOUN
cjfa-18794	123	19	to	to	ADP
cjfa-18794	123	20	net	net	ADJ
cjfa-18794	123	21	disposable	disposable	ADJ
cjfa-18794	123	22	income	income	NOUN
cjfa-18794	123	23	,	,	PUNCT
cjfa-18794	123	24	‒	‒	X
cjfa-18794	123	25	�	�	PROPN
cjfa-18794	123	26	�	�	PROPN
cjfa-18794	123	27	�	�	PROPN
cjfa-18794	123	28	�	�	PROPN
cjfa-18794	123	29	�	�	PROPN
cjfa-18794	123	30	�	�	PROPN
cjfa-18794	123	31	–	–	PUNCT
cjfa-18794	123	32	natural	natural	ADJ
cjfa-18794	123	33	log	log	NOUN
cjfa-18794	123	34	of	of	ADP
cjfa-18794	123	35	the	the	DET
cjfa-18794	123	36	average	average	ADJ
cjfa-18794	123	37	annual	annual	ADJ
cjfa-18794	123	38	wage	wage	NOUN
cjfa-18794	123	39	(	(	PUNCT
cjfa-18794	123	40	constant	constant	ADJ
cjfa-18794	123	41	ppp	ppp	NOUN
cjfa-18794	123	42	)	)	PUNCT
cjfa-18794	123	43	,	,	PUNCT
cjfa-18794	123	44	‒	‒	X
cjfa-18794	123	45	�	�	PROPN
cjfa-18794	123	46	�	�	PROPN
cjfa-18794	123	47	�	�	PROPN
cjfa-18794	123	48	�	�	PROPN
cjfa-18794	123	49	�	�	PROPN
cjfa-18794	123	50	�	�	PROPN
cjfa-18794	123	51	�	�	PROPN
cjfa-18794	123	52	�	�	PROPN
cjfa-18794	123	53	–	–	PUNCT
cjfa-18794	123	54	natural	natural	ADJ
cjfa-18794	123	55	log	log	NOUN
cjfa-18794	123	56	of	of	ADP
cjfa-18794	123	57	the	the	DET
cjfa-18794	123	58	rate	rate	NOUN
cjfa-18794	123	59	of	of	ADP
cjfa-18794	123	60	growth	growth	NOUN
cjfa-18794	123	61	in	in	ADP
cjfa-18794	123	62	real	real	ADJ
cjfa-18794	123	63	gdp	gdp	NOUN
cjfa-18794	123	64	per	per	ADP
cjfa-18794	123	65	person	person	NOUN
cjfa-18794	123	66	(	(	PUNCT
cjfa-18794	123	67	constant	constant	ADJ
cjfa-18794	123	68	ppp	ppp	NOUN
cjfa-18794	123	69	)	)	PUNCT
cjfa-18794	123	70	,	,	PUNCT
cjfa-18794	123	71	‒	‒	X
cjfa-18794	123	72	�	�	PROPN
cjfa-18794	123	73	�	�	PROPN
cjfa-18794	123	74	�	�	PROPN
cjfa-18794	123	75	�	�	PROPN
cjfa-18794	123	76	–	–	PUNCT
cjfa-18794	123	77	short	short	ADJ
cjfa-18794	123	78	-	-	PUNCT
cjfa-18794	123	79	term	term	NOUN
cjfa-18794	123	80	interest	interest	NOUN
cjfa-18794	123	81	rate	rate	NOUN
cjfa-18794	123	82	,	,	PUNCT
cjfa-18794	123	83	‒	‒	X
cjfa-18794	123	84	�	�	PROPN
cjfa-18794	123	85	�	�	PROPN
cjfa-18794	123	86	�	�	PROPN
cjfa-18794	123	87	�	�	PROPN
cjfa-18794	123	88	�	�	PROPN
cjfa-18794	123	89	�	�	PROPN
cjfa-18794	123	90	–	–	PUNCT
cjfa-18794	123	91	natural	natural	ADJ
cjfa-18794	123	92	log	log	NOUN
cjfa-18794	123	93	of	of	ADP
cjfa-18794	123	94	the	the	DET
cjfa-18794	123	95	unemployment	unemployment	NOUN
cjfa-18794	123	96	rate	rate	NOUN
cjfa-18794	123	97	,	,	PUNCT
cjfa-18794	123	98	‒	‒	X
cjfa-18794	123	99	�	�	PROPN
cjfa-18794	123	100	�	�	PROPN
cjfa-18794	123	101	�	�	PROPN
cjfa-18794	123	102	�	�	PROPN
cjfa-18794	123	103	�	�	PROPN
cjfa-18794	123	104	�	�	PROPN
cjfa-18794	123	105	–	–	PUNCT
cjfa-18794	123	106	housing	housing	NOUN
cjfa-18794	123	107	rent	rent	NOUN
cjfa-18794	123	108	price	price	NOUN
cjfa-18794	123	109	index	index	NOUN
cjfa-18794	123	110	,	,	PUNCT
cjfa-18794	123	111	‒	‒	X
cjfa-18794	123	112	�	�	PROPN
cjfa-18794	123	113	�	�	PROPN
cjfa-18794	123	114	�	�	PROPN
cjfa-18794	123	115	�	�	PROPN
cjfa-18794	123	116	�	�	PROPN
cjfa-18794	123	117	�	�	PROPN
cjfa-18794	123	118	�	�	PROPN
cjfa-18794	123	119	�	�	PROPN
cjfa-18794	123	120	�	�	PROPN
cjfa-18794	123	121	�	�	PROPN
cjfa-18794	123	122	�	�	PROPN
cjfa-18794	123	123	�	�	PROPN
cjfa-18794	123	124	–	–	PUNCT
cjfa-18794	123	125	natural	natural	ADJ
cjfa-18794	123	126	log	log	NOUN
cjfa-18794	123	127	of	of	ADP
cjfa-18794	123	128	the	the	DET
cjfa-18794	123	129	share	share	NOUN
cjfa-18794	123	130	of	of	ADP
cjfa-18794	123	131	population	population	NOUN
cjfa-18794	123	132	aged	aged	ADJ
cjfa-18794	123	133	25–39	25–39	NUM
cjfa-18794	123	134	,	,	PUNCT
cjfa-18794	123	135	‒	‒	X
cjfa-18794	123	136	�	�	PROPN
cjfa-18794	123	137	�	�	PROPN
cjfa-18794	123	138	�	�	PROPN
cjfa-18794	123	139	�	�	PROPN
cjfa-18794	123	140	�	�	PROPN
cjfa-18794	123	141	–	–	PUNCT
cjfa-18794	123	142	the	the	DET
cjfa-18794	123	143	share	share	NOUN
cjfa-18794	123	144	of	of	ADP
cjfa-18794	123	145	population	population	NOUN
cjfa-18794	123	146	aged	age	VERB
cjfa-18794	123	147	25–64	25–64	NUM
cjfa-18794	123	148	with	with	ADP
cjfa-18794	123	149	tertiary	tertiary	ADJ
cjfa-18794	123	150	education	education	NOUN
cjfa-18794	123	151	attainment	attainment	NOUN
cjfa-18794	123	152	,	,	PUNCT
cjfa-18794	123	153	–	–	PUNCT
cjfa-18794	123	154	natural	natural	ADJ
cjfa-18794	123	155	log	log	NOUN
cjfa-18794	123	156	of	of	ADP
cjfa-18794	123	157	the	the	DET
cjfa-18794	123	158	average	average	ADJ
cjfa-18794	123	159	annual	annual	ADJ
cjfa-18794	123	160	wage	wage	NOUN
cjfa-18794	123	161	(	(	PUNCT
cjfa-18794	123	162	constant	constant	ADJ
cjfa-18794	123	163	ppp	ppp	NOUN
cjfa-18794	123	164	)	)	PUNCT
cjfa-18794	123	165	,	,	PUNCT
cjfa-18794	123	166	‒	‒	X
cjfa-18794	123	167	particular	particular	ADJ
cjfa-18794	123	168	,	,	PUNCT
cjfa-18794	123	169	the	the	DET
cjfa-18794	123	170	evidence	evidence	NOUN
cjfa-18794	123	171	based	base	VERB
cjfa-18794	123	172	on	on	ADP
cjfa-18794	123	173	both	both	CCONJ
cjfa-18794	123	174	broader	broad	ADJ
cjfa-18794	123	175	international	international	ADJ
cjfa-18794	123	176	data	datum	NOUN
cjfa-18794	123	177	and	and	CCONJ
cjfa-18794	123	178	a	a	DET
cjfa-18794	123	179	wide	wide	ADJ
cjfa-18794	123	180	set	set	NOUN
cjfa-18794	123	181	of	of	ADP
cjfa-18794	123	182	examined	examine	VERB
cjfa-18794	123	183	explanatory	explanatory	ADJ
cjfa-18794	123	184	variables	variable	NOUN
cjfa-18794	123	185	remains	remain	VERB
cjfa-18794	123	186	rather	rather	ADV
cjfa-18794	123	187	modest	modest	ADJ
cjfa-18794	123	188	.	.	PUNCT
cjfa-18794	124	1	the	the	DET
cjfa-18794	124	2	present	present	ADJ
cjfa-18794	124	3	study	study	NOUN
cjfa-18794	124	4	attempts	attempt	VERB
cjfa-18794	124	5	therefore	therefore	ADV
cjfa-18794	124	6	to	to	PART
cjfa-18794	124	7	contribute	contribute	VERB
cjfa-18794	124	8	to	to	ADP
cjfa-18794	124	9	the	the	DET
cjfa-18794	124	10	existing	exist	VERB
cjfa-18794	124	11	literature	literature	NOUN
cjfa-18794	124	12	by	by	ADP
cjfa-18794	124	13	filling	fill	VERB
cjfa-18794	124	14	this	this	DET
cjfa-18794	124	15	gap	gap	NOUN
cjfa-18794	124	16	.	.	PUNCT
cjfa-18794	125	1	the	the	DET
cjfa-18794	125	2	research	research	NOUN
cjfa-18794	125	3	methodology	methodology	NOUN
cjfa-18794	125	4	and	and	CCONJ
cjfa-18794	125	5	the	the	DET
cjfa-18794	125	6	course	course	NOUN
cjfa-18794	125	7	of	of	ADP
cjfa-18794	125	8	the	the	DET
cjfa-18794	125	9	research	research	NOUN
cjfa-18794	125	10	process	process	NOUN
cjfa-18794	125	11	the	the	DET
cjfa-18794	125	12	empirical	empirical	ADJ
cjfa-18794	125	13	evidence	evidence	NOUN
cjfa-18794	125	14	in	in	ADP
cjfa-18794	125	15	the	the	DET
cjfa-18794	125	16	relevant	relevant	ADJ
cjfa-18794	125	17	literature	literature	NOUN
cjfa-18794	125	18	allows	allow	VERB
cjfa-18794	125	19	to	to	PART
cjfa-18794	125	20	formulate	formulate	VERB
cjfa-18794	125	21	the	the	DET
cjfa-18794	125	22	following	follow	VERB
cjfa-18794	125	23	set	set	NOUN
cjfa-18794	125	24	of	of	ADP
cjfa-18794	125	25	research	research	NOUN
cjfa-18794	125	26	hypotheses	hypothesis	NOUN
cjfa-18794	125	27	:	:	PUNCT
cjfa-18794	125	28	h1	h1	NOUN
cjfa-18794	125	29	:	:	PUNCT
cjfa-18794	125	30	the	the	DET
cjfa-18794	125	31	household	household	NOUN
cjfa-18794	125	32	dti	dti	PROPN
cjfa-18794	125	33	ratio	ratio	NOUN
cjfa-18794	125	34	in	in	ADP
cjfa-18794	125	35	the	the	DET
cjfa-18794	125	36	oecd	oecd	PROPN
cjfa-18794	125	37	countries	country	NOUN
cjfa-18794	125	38	in	in	ADP
cjfa-18794	125	39	the	the	DET
cjfa-18794	125	40	long	long	ADJ
cjfa-18794	125	41	run	run	NOUN
cjfa-18794	125	42	is	be	AUX
cjfa-18794	125	43	positively	positively	ADV
cjfa-18794	125	44	related	relate	VERB
cjfa-18794	125	45	to	to	ADP
cjfa-18794	125	46	average	average	ADJ
cjfa-18794	125	47	wages	wage	NOUN
cjfa-18794	125	48	,	,	PUNCT
cjfa-18794	125	49	the	the	DET
cjfa-18794	125	50	rate	rate	NOUN
cjfa-18794	125	51	of	of	ADP
cjfa-18794	125	52	economic	economic	ADJ
cjfa-18794	125	53	growth	growth	NOUN
cjfa-18794	125	54	,	,	PUNCT
cjfa-18794	125	55	the	the	DET
cjfa-18794	125	56	share	share	NOUN
cjfa-18794	125	57	of	of	ADP
cjfa-18794	125	58	young	young	ADJ
cjfa-18794	125	59	and	and	CCONJ
cjfa-18794	125	60	middle	middle	ADJ
cjfa-18794	125	61	-	-	PUNCT
cjfa-18794	125	62	aged	aged	ADJ
cjfa-18794	125	63	population	population	NOUN
cjfa-18794	125	64	cohorts	cohort	NOUN
cjfa-18794	125	65	,	,	PUNCT
cjfa-18794	125	66	the	the	DET
cjfa-18794	125	67	share	share	NOUN
cjfa-18794	125	68	of	of	ADP
cjfa-18794	125	69	population	population	NOUN
cjfa-18794	125	70	with	with	ADP
cjfa-18794	125	71	tertiary	tertiary	ADJ
cjfa-18794	125	72	education	education	NOUN
cjfa-18794	125	73	attainment	attainment	NOUN
cjfa-18794	125	74	,	,	PUNCT
cjfa-18794	125	75	housing	housing	NOUN
cjfa-18794	125	76	prices	price	NOUN
cjfa-18794	125	77	,	,	PUNCT
cjfa-18794	125	78	wage	wage	NOUN
cjfa-18794	125	79	-	-	PUNCT
cjfa-18794	125	80	productivity	productivity	NOUN
cjfa-18794	125	81	gap	gap	NOUN
cjfa-18794	125	82	,	,	PUNCT
cjfa-18794	125	83	and	and	CCONJ
cjfa-18794	125	84	income	income	NOUN
cjfa-18794	125	85	inequality	inequality	NOUN
cjfa-18794	125	86	.	.	PUNCT
cjfa-18794	126	1	h2	h2	NOUN
cjfa-18794	126	2	:	:	PUNCT
cjfa-18794	126	3	the	the	DET
cjfa-18794	126	4	household	household	NOUN
cjfa-18794	126	5	dti	dti	PROPN
cjfa-18794	126	6	ratio	ratio	NOUN
cjfa-18794	126	7	in	in	ADP
cjfa-18794	126	8	the	the	DET
cjfa-18794	126	9	oecd	oecd	PROPN
cjfa-18794	126	10	countries	country	NOUN
cjfa-18794	126	11	in	in	ADP
cjfa-18794	126	12	the	the	DET
cjfa-18794	126	13	long	long	ADJ
cjfa-18794	126	14	run	run	NOUN
cjfa-18794	126	15	is	be	AUX
cjfa-18794	126	16	negatively	negatively	ADV
cjfa-18794	126	17	related	relate	VERB
cjfa-18794	126	18	to	to	ADP
cjfa-18794	126	19	interest	interest	NOUN
cjfa-18794	126	20	rate	rate	NOUN
cjfa-18794	126	21	and	and	CCONJ
cjfa-18794	126	22	unemployment	unemployment	NOUN
cjfa-18794	126	23	rate	rate	NOUN
cjfa-18794	126	24	.	.	PUNCT
cjfa-18794	127	1	given	give	VERB
cjfa-18794	127	2	a	a	DET
cjfa-18794	127	3	significant	significant	ADJ
cjfa-18794	127	4	cross	cross	ADJ
cjfa-18794	127	5	-	-	ADJ
cjfa-18794	127	6	sectional	sectional	ADJ
cjfa-18794	127	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	127	8	in	in	ADP
cjfa-18794	127	9	the	the	DET
cjfa-18794	127	10	examined	examine	VERB
cjfa-18794	127	11	sample	sample	NOUN
cjfa-18794	127	12	and	and	CCONJ
cjfa-18794	127	13	the	the	DET
cjfa-18794	127	14	results	result	NOUN
cjfa-18794	127	15	of	of	ADP
cjfa-18794	127	16	the	the	DET
cjfa-18794	127	17	hausman	hausman	PROPN
cjfa-18794	127	18	specification	specification	PROPN
cjfa-18794	127	19	test	test	NOUN
cjfa-18794	127	20	,	,	PUNCT
cjfa-18794	127	21	the	the	DET
cjfa-18794	127	22	investigation	investigation	NOUN
cjfa-18794	127	23	has	have	AUX
cjfa-18794	127	24	been	be	AUX
cjfa-18794	127	25	based	base	VERB
cjfa-18794	127	26	on	on	ADP
cjfa-18794	127	27	a	a	DET
cjfa-18794	127	28	fixed	fix	VERB
cjfa-18794	127	29	-	-	PUNCT
cjfa-18794	127	30	effect	effect	NOUN
cjfa-18794	127	31	panel	panel	NOUN
cjfa-18794	127	32	data	datum	NOUN
cjfa-18794	127	33	regression	regression	NOUN
cjfa-18794	127	34	analysis	analysis	NOUN
cjfa-18794	127	35	.	.	PUNCT
cjfa-18794	128	1	the	the	DET
cjfa-18794	128	2	choice	choice	NOUN
cjfa-18794	128	3	of	of	ADP
cjfa-18794	128	4	the	the	DET
cjfa-18794	128	5	explanatory	explanatory	ADJ
cjfa-18794	128	6	variables	variable	NOUN
cjfa-18794	128	7	employed	employ	VERB
cjfa-18794	128	8	in	in	ADP
cjfa-18794	128	9	the	the	DET
cjfa-18794	128	10	model	model	NOUN
cjfa-18794	128	11	is	be	AUX
cjfa-18794	128	12	largely	largely	ADV
cjfa-18794	128	13	determined	determine	VERB
cjfa-18794	128	14	by	by	ADP
cjfa-18794	128	15	the	the	DET
cjfa-18794	128	16	availability	availability	NOUN
cjfa-18794	128	17	of	of	ADP
cjfa-18794	128	18	data	datum	NOUN
cjfa-18794	128	19	and	and	CCONJ
cjfa-18794	128	20	the	the	DET
cjfa-18794	128	21	pursuance	pursuance	NOUN
cjfa-18794	128	22	of	of	ADP
cjfa-18794	128	23	obtaining	obtain	VERB
cjfa-18794	128	24	a	a	DET
cjfa-18794	128	25	possibly	possibly	ADV
cjfa-18794	128	26	most	most	ADV
cjfa-18794	128	27	complete	complete	ADJ
cjfa-18794	128	28	dataset	dataset	NOUN
cjfa-18794	128	29	.	.	PUNCT
cjfa-18794	129	1	the	the	DET
cjfa-18794	129	2	variables	variable	NOUN
cjfa-18794	129	3	exhibiting	exhibit	VERB
cjfa-18794	129	4	a	a	DET
cjfa-18794	129	5	significant	significant	ADJ
cjfa-18794	129	6	skewness	skewness	NOUN
cjfa-18794	129	7	of	of	ADP
cjfa-18794	129	8	the	the	DET
cjfa-18794	129	9	distribution	distribution	NOUN
cjfa-18794	129	10	have	have	AUX
cjfa-18794	129	11	been	be	AUX
cjfa-18794	129	12	log	log	NOUN
cjfa-18794	129	13	-	-	PUNCT
cjfa-18794	129	14	transformed	transform	VERB
cjfa-18794	129	15	,	,	PUNCT
cjfa-18794	129	16	yielding	yield	VERB
cjfa-18794	129	17	the	the	DET
cjfa-18794	129	18	following	follow	VERB
cjfa-18794	129	19	regression	regression	NOUN
cjfa-18794	129	20	model	model	NOUN
cjfa-18794	129	21	:	:	PUNCT
cjfa-18794	129	22	�	�	PROPN
cjfa-18794	129	23	�	�	PROPN
cjfa-18794	129	24	�	�	PROPN
cjfa-18794	129	25	�	�	PROPN
cjfa-18794	129	26	�	�	PROPN
cjfa-18794	129	27	�	�	PROPN
cjfa-18794	129	28	�	�	PROPN
cjfa-18794	129	29	�	�	PROPN
cjfa-18794	129	30	�	�	PROPN
cjfa-18794	129	31	�	�	PROPN
cjfa-18794	129	32	+	+	CCONJ
cjfa-18794	129	33	�	�	PROPN
cjfa-18794	129	34	�	�	PROPN
cjfa-18794	129	35	�	�	PROPN
cjfa-18794	129	36	�	�	PROPN
cjfa-18794	129	37	�	�	PROPN
cjfa-18794	129	38	�	�	PROPN
cjfa-18794	129	39	�	�	PROPN
cjfa-18794	129	40	�	�	PROPN
cjfa-18794	129	41	�	�	PROPN
cjfa-18794	129	42	+	+	SYM
cjfa-18794	129	43	�	�	PROPN
cjfa-18794	129	44	�	�	PROPN
cjfa-18794	129	45	�	�	PROPN
cjfa-18794	129	46	�	�	PROPN
cjfa-18794	129	47	�	�	PROPN
cjfa-18794	129	48	�	�	PROPN
cjfa-18794	129	49	�	�	PROPN
cjfa-18794	129	50	�	�	PROPN
cjfa-18794	129	51	�	�	PROPN
cjfa-18794	129	52	�	�	PROPN
cjfa-18794	129	53	�	�	PROPN
cjfa-18794	129	54	+	+	SYM
cjfa-18794	129	55	�	�	PROPN
cjfa-18794	129	56	�	�	PROPN
cjfa-18794	129	57	�	�	PROPN
cjfa-18794	129	58	�	�	PROPN
cjfa-18794	129	59	�	�	PROPN
cjfa-18794	129	60	�	�	PROPN
cjfa-18794	129	61	�	�	PROPN
cjfa-18794	129	62	+	+	SYM
cjfa-18794	129	63	�	�	PROPN
cjfa-18794	129	64	�	�	PROPN
cjfa-18794	129	65	�	�	PROPN
cjfa-18794	129	66	�	�	PROPN
cjfa-18794	129	67	�	�	PROPN
cjfa-18794	129	68	�	�	PROPN
cjfa-18794	129	69	�	�	PROPN
cjfa-18794	129	70	�	�	PROPN
cjfa-18794	129	71	�	�	PROPN
cjfa-18794	129	72	+	+	SYM
cjfa-18794	129	73	�	�	PROPN
cjfa-18794	129	74	�	�	PROPN
cjfa-18794	129	75	�	�	PROPN
cjfa-18794	129	76	�	�	PROPN
cjfa-18794	129	77	�	�	PROPN
cjfa-18794	129	78	�	�	PROPN
cjfa-18794	129	79	�	�	PROPN
cjfa-18794	129	80	�	�	PROPN
cjfa-18794	129	81	�	�	PROPN
cjfa-18794	129	82	�	�	PROPN
cjfa-18794	129	83	�	�	PROPN
cjfa-18794	129	84	�	�	PROPN
cjfa-18794	129	85	�	�	PROPN
cjfa-18794	129	86	�	�	PROPN
cjfa-18794	129	87	�	�	PROPN
cjfa-18794	129	88	+	+	SYM
cjfa-18794	129	89	�	�	PROPN
cjfa-18794	129	90	�	�	PROPN
cjfa-18794	129	91	�	�	PROPN
cjfa-18794	129	92	�	�	PROPN
cjfa-18794	129	93	�	�	PROPN
cjfa-18794	129	94	�	�	PROPN
cjfa-18794	129	95	�	�	PROPN
cjfa-18794	129	96	�	�	PROPN
cjfa-18794	129	97	+	+	PROPN
cjfa-18794	129	98	�	�	PROPN
cjfa-18794	129	99	�	�	PROPN
cjfa-18794	129	100	�	�	PROPN
cjfa-18794	129	101	�	�	PROPN
cjfa-18794	129	102	�	�	PROPN
cjfa-18794	129	103	�	�	PROPN
cjfa-18794	129	104	�	�	PROPN
cjfa-18794	129	105	�	�	PROPN
cjfa-18794	129	106	�	�	PROPN
cjfa-18794	129	107	+	+	PROPN
cjfa-18794	129	108	�	�	PROPN
cjfa-18794	129	109	�	�	PROPN
cjfa-18794	129	110	�	�	PROPN
cjfa-18794	129	111	�	�	PROPN
cjfa-18794	129	112	�	�	PROPN
cjfa-18794	129	113	�	�	PROPN
cjfa-18794	129	114	�	�	PROPN
cjfa-18794	129	115	�	�	PROPN
cjfa-18794	129	116	�	�	PROPN
cjfa-18794	129	117	�	�	PROPN
cjfa-18794	129	118	+	+	SYM
cjfa-18794	129	119	�	�	PROPN
cjfa-18794	129	120	�	�	PROPN
cjfa-18794	129	121	�	�	PROPN
cjfa-18794	129	122	�	�	PROPN
cjfa-18794	129	123	�	�	PROPN
cjfa-18794	129	124	�	�	PROPN
cjfa-18794	129	125	�	�	PROPN
cjfa-18794	129	126	�	�	PROPN
cjfa-18794	129	127	+	+	SYM
cjfa-18794	129	128	�	�	PROPN
cjfa-18794	129	129	�	�	PROPN
cjfa-18794	129	130	+	+	CCONJ
cjfa-18794	129	131	�	�	PROPN
cjfa-18794	129	132	�	�	PROPN
cjfa-18794	129	133	�	�	PROPN
cjfa-18794	130	1	where	where	SCONJ
cjfa-18794	130	2	:	:	PUNCT
cjfa-18794	130	3	‒	‒	X
cjfa-18794	130	4	�	�	PROPN
cjfa-18794	130	5	�	�	PROPN
cjfa-18794	130	6	�	�	PROPN
cjfa-18794	130	7	�	�	PROPN
cjfa-18794	130	8	�	�	PROPN
cjfa-18794	130	9	�	�	PROPN
cjfa-18794	130	10	�	�	PROPN
cjfa-18794	130	11	–	–	PUNCT
cjfa-18794	130	12	natural	natural	ADJ
cjfa-18794	130	13	log	log	NOUN
cjfa-18794	130	14	of	of	ADP
cjfa-18794	130	15	the	the	DET
cjfa-18794	130	16	total	total	ADJ
cjfa-18794	130	17	household	household	NOUN
cjfa-18794	130	18	debt	debt	NOUN
cjfa-18794	130	19	to	to	ADP
cjfa-18794	130	20	net	net	ADJ
cjfa-18794	130	21	disposable	disposable	ADJ
cjfa-18794	130	22	income	income	NOUN
cjfa-18794	130	23	,	,	PUNCT
cjfa-18794	130	24	‒	‒	X
cjfa-18794	130	25	�	�	PROPN
cjfa-18794	130	26	�	�	PROPN
cjfa-18794	130	27	�	�	PROPN
cjfa-18794	130	28	�	�	PROPN
cjfa-18794	130	29	�	�	PROPN
cjfa-18794	130	30	�	�	PROPN
cjfa-18794	130	31	–	–	PUNCT
cjfa-18794	130	32	natural	natural	ADJ
cjfa-18794	130	33	log	log	NOUN
cjfa-18794	130	34	of	of	ADP
cjfa-18794	130	35	the	the	DET
cjfa-18794	130	36	average	average	ADJ
cjfa-18794	130	37	annual	annual	ADJ
cjfa-18794	130	38	wage	wage	NOUN
cjfa-18794	130	39	(	(	PUNCT
cjfa-18794	130	40	constant	constant	ADJ
cjfa-18794	130	41	ppp	ppp	NOUN
cjfa-18794	130	42	)	)	PUNCT
cjfa-18794	130	43	,	,	PUNCT
cjfa-18794	130	44	‒	‒	X
cjfa-18794	130	45	�	�	PROPN
cjfa-18794	130	46	�	�	PROPN
cjfa-18794	130	47	�	�	PROPN
cjfa-18794	130	48	�	�	PROPN
cjfa-18794	130	49	�	�	PROPN
cjfa-18794	130	50	�	�	PROPN
cjfa-18794	130	51	�	�	PROPN
cjfa-18794	130	52	�	�	PROPN
cjfa-18794	130	53	–	–	PUNCT
cjfa-18794	130	54	natural	natural	ADJ
cjfa-18794	130	55	log	log	NOUN
cjfa-18794	130	56	of	of	ADP
cjfa-18794	130	57	the	the	DET
cjfa-18794	130	58	rate	rate	NOUN
cjfa-18794	130	59	of	of	ADP
cjfa-18794	130	60	growth	growth	NOUN
cjfa-18794	130	61	in	in	ADP
cjfa-18794	130	62	real	real	ADJ
cjfa-18794	130	63	gdp	gdp	NOUN
cjfa-18794	130	64	per	per	ADP
cjfa-18794	130	65	person	person	NOUN
cjfa-18794	130	66	(	(	PUNCT
cjfa-18794	130	67	constant	constant	ADJ
cjfa-18794	130	68	ppp	ppp	NOUN
cjfa-18794	130	69	)	)	PUNCT
cjfa-18794	130	70	,	,	PUNCT
cjfa-18794	130	71	‒	‒	X
cjfa-18794	130	72	�	�	PROPN
cjfa-18794	130	73	�	�	PROPN
cjfa-18794	130	74	�	�	PROPN
cjfa-18794	130	75	�	�	PROPN
cjfa-18794	130	76	–	–	PUNCT
cjfa-18794	130	77	short	short	ADJ
cjfa-18794	130	78	-	-	PUNCT
cjfa-18794	130	79	term	term	NOUN
cjfa-18794	130	80	interest	interest	NOUN
cjfa-18794	130	81	rate	rate	NOUN
cjfa-18794	130	82	,	,	PUNCT
cjfa-18794	130	83	‒	‒	X
cjfa-18794	130	84	�	�	PROPN
cjfa-18794	130	85	�	�	PROPN
cjfa-18794	130	86	�	�	PROPN
cjfa-18794	130	87	�	�	PROPN
cjfa-18794	130	88	�	�	PROPN
cjfa-18794	130	89	�	�	PROPN
cjfa-18794	130	90	–	–	PUNCT
cjfa-18794	130	91	natural	natural	ADJ
cjfa-18794	130	92	log	log	NOUN
cjfa-18794	130	93	of	of	ADP
cjfa-18794	130	94	the	the	DET
cjfa-18794	130	95	unemployment	unemployment	NOUN
cjfa-18794	130	96	rate	rate	NOUN
cjfa-18794	130	97	,	,	PUNCT
cjfa-18794	130	98	‒	‒	X
cjfa-18794	130	99	�	�	PROPN
cjfa-18794	130	100	�	�	PROPN
cjfa-18794	130	101	�	�	PROPN
cjfa-18794	130	102	�	�	PROPN
cjfa-18794	130	103	�	�	PROPN
cjfa-18794	130	104	�	�	PROPN
cjfa-18794	130	105	–	–	PUNCT
cjfa-18794	130	106	housing	housing	NOUN
cjfa-18794	130	107	rent	rent	NOUN
cjfa-18794	130	108	price	price	NOUN
cjfa-18794	130	109	index	index	NOUN
cjfa-18794	130	110	,	,	PUNCT
cjfa-18794	130	111	‒	‒	X
cjfa-18794	130	112	�	�	PROPN
cjfa-18794	130	113	�	�	PROPN
cjfa-18794	130	114	�	�	PROPN
cjfa-18794	130	115	�	�	PROPN
cjfa-18794	130	116	�	�	PROPN
cjfa-18794	130	117	�	�	PROPN
cjfa-18794	130	118	�	�	PROPN
cjfa-18794	130	119	�	�	PROPN
cjfa-18794	130	120	�	�	PROPN
cjfa-18794	130	121	�	�	PROPN
cjfa-18794	130	122	�	�	PROPN
cjfa-18794	130	123	�	�	PROPN
cjfa-18794	130	124	–	–	PUNCT
cjfa-18794	130	125	natural	natural	ADJ
cjfa-18794	130	126	log	log	NOUN
cjfa-18794	130	127	of	of	ADP
cjfa-18794	130	128	the	the	DET
cjfa-18794	130	129	share	share	NOUN
cjfa-18794	130	130	of	of	ADP
cjfa-18794	130	131	population	population	NOUN
cjfa-18794	130	132	aged	aged	ADJ
cjfa-18794	130	133	25–39	25–39	NUM
cjfa-18794	130	134	,	,	PUNCT
cjfa-18794	130	135	‒	‒	X
cjfa-18794	130	136	�	�	PROPN
cjfa-18794	130	137	�	�	PROPN
cjfa-18794	130	138	�	�	PROPN
cjfa-18794	130	139	�	�	PROPN
cjfa-18794	130	140	�	�	PROPN
cjfa-18794	130	141	–	–	PUNCT
cjfa-18794	130	142	the	the	DET
cjfa-18794	130	143	share	share	NOUN
cjfa-18794	130	144	of	of	ADP
cjfa-18794	130	145	population	population	NOUN
cjfa-18794	130	146	aged	age	VERB
cjfa-18794	130	147	25–64	25–64	NUM
cjfa-18794	130	148	with	with	ADP
cjfa-18794	130	149	tertiary	tertiary	ADJ
cjfa-18794	130	150	education	education	NOUN
cjfa-18794	130	151	attainment	attainment	NOUN
cjfa-18794	130	152	,	,	PUNCT
cjfa-18794	130	153	–	–	PUNCT
cjfa-18794	130	154	natural	natural	ADJ
cjfa-18794	130	155	log	log	NOUN
cjfa-18794	130	156	of	of	ADP
cjfa-18794	130	157	the	the	DET
cjfa-18794	130	158	rate	rate	NOUN
cjfa-18794	130	159	of	of	ADP
cjfa-18794	130	160	growth	growth	NOUN
cjfa-18794	130	161	in	in	ADP
cjfa-18794	130	162	real	real	ADJ
cjfa-18794	130	163	gdp	gdp	NOUN
cjfa-18794	130	164	per	per	ADP
cjfa-18794	130	165	person	person	NOUN
cjfa-18794	130	166	(	(	PUNCT
cjfa-18794	130	167	constant	constant	ADJ
cjfa-18794	130	168	ppp	ppp	NOUN
cjfa-18794	130	169	)	)	PUNCT
cjfa-18794	130	170	,	,	PUNCT
cjfa-18794	130	171	‒	‒	X
cjfa-18794	130	172	particular	particular	ADJ
cjfa-18794	130	173	,	,	PUNCT
cjfa-18794	130	174	the	the	DET
cjfa-18794	130	175	evidence	evidence	NOUN
cjfa-18794	130	176	based	base	VERB
cjfa-18794	130	177	on	on	ADP
cjfa-18794	130	178	both	both	CCONJ
cjfa-18794	130	179	broader	broad	ADJ
cjfa-18794	130	180	international	international	ADJ
cjfa-18794	130	181	data	datum	NOUN
cjfa-18794	130	182	and	and	CCONJ
cjfa-18794	130	183	a	a	DET
cjfa-18794	130	184	wide	wide	ADJ
cjfa-18794	130	185	set	set	NOUN
cjfa-18794	130	186	of	of	ADP
cjfa-18794	130	187	examined	examine	VERB
cjfa-18794	130	188	explanatory	explanatory	ADJ
cjfa-18794	130	189	variables	variable	NOUN
cjfa-18794	130	190	remains	remain	VERB
cjfa-18794	130	191	rather	rather	ADV
cjfa-18794	130	192	modest	modest	ADJ
cjfa-18794	130	193	.	.	PUNCT
cjfa-18794	131	1	the	the	DET
cjfa-18794	131	2	present	present	ADJ
cjfa-18794	131	3	study	study	NOUN
cjfa-18794	131	4	attempts	attempt	VERB
cjfa-18794	131	5	therefore	therefore	ADV
cjfa-18794	131	6	to	to	PART
cjfa-18794	131	7	contribute	contribute	VERB
cjfa-18794	131	8	to	to	ADP
cjfa-18794	131	9	the	the	DET
cjfa-18794	131	10	existing	exist	VERB
cjfa-18794	131	11	literature	literature	NOUN
cjfa-18794	131	12	by	by	ADP
cjfa-18794	131	13	filling	fill	VERB
cjfa-18794	131	14	this	this	DET
cjfa-18794	131	15	gap	gap	NOUN
cjfa-18794	131	16	.	.	PUNCT
cjfa-18794	132	1	the	the	DET
cjfa-18794	132	2	research	research	NOUN
cjfa-18794	132	3	methodology	methodology	NOUN
cjfa-18794	132	4	and	and	CCONJ
cjfa-18794	132	5	the	the	DET
cjfa-18794	132	6	course	course	NOUN
cjfa-18794	132	7	of	of	ADP
cjfa-18794	132	8	the	the	DET
cjfa-18794	132	9	research	research	NOUN
cjfa-18794	132	10	process	process	NOUN
cjfa-18794	132	11	the	the	DET
cjfa-18794	132	12	empirical	empirical	ADJ
cjfa-18794	132	13	evidence	evidence	NOUN
cjfa-18794	132	14	in	in	ADP
cjfa-18794	132	15	the	the	DET
cjfa-18794	132	16	relevant	relevant	ADJ
cjfa-18794	132	17	literature	literature	NOUN
cjfa-18794	132	18	allows	allow	VERB
cjfa-18794	132	19	to	to	PART
cjfa-18794	132	20	formulate	formulate	VERB
cjfa-18794	132	21	the	the	DET
cjfa-18794	132	22	following	follow	VERB
cjfa-18794	132	23	set	set	NOUN
cjfa-18794	132	24	of	of	ADP
cjfa-18794	132	25	research	research	NOUN
cjfa-18794	132	26	hypotheses	hypothesis	NOUN
cjfa-18794	132	27	:	:	PUNCT
cjfa-18794	132	28	h1	h1	NOUN
cjfa-18794	132	29	:	:	PUNCT
cjfa-18794	132	30	the	the	DET
cjfa-18794	132	31	household	household	NOUN
cjfa-18794	132	32	dti	dti	PROPN
cjfa-18794	132	33	ratio	ratio	NOUN
cjfa-18794	132	34	in	in	ADP
cjfa-18794	132	35	the	the	DET
cjfa-18794	132	36	oecd	oecd	PROPN
cjfa-18794	132	37	countries	country	NOUN
cjfa-18794	132	38	in	in	ADP
cjfa-18794	132	39	the	the	DET
cjfa-18794	132	40	long	long	ADJ
cjfa-18794	132	41	run	run	NOUN
cjfa-18794	132	42	is	be	AUX
cjfa-18794	132	43	positively	positively	ADV
cjfa-18794	132	44	related	relate	VERB
cjfa-18794	132	45	to	to	ADP
cjfa-18794	132	46	average	average	ADJ
cjfa-18794	132	47	wages	wage	NOUN
cjfa-18794	132	48	,	,	PUNCT
cjfa-18794	132	49	the	the	DET
cjfa-18794	132	50	rate	rate	NOUN
cjfa-18794	132	51	of	of	ADP
cjfa-18794	132	52	economic	economic	ADJ
cjfa-18794	132	53	growth	growth	NOUN
cjfa-18794	132	54	,	,	PUNCT
cjfa-18794	132	55	the	the	DET
cjfa-18794	132	56	share	share	NOUN
cjfa-18794	132	57	of	of	ADP
cjfa-18794	132	58	young	young	ADJ
cjfa-18794	132	59	and	and	CCONJ
cjfa-18794	132	60	middle	middle	ADJ
cjfa-18794	132	61	-	-	PUNCT
cjfa-18794	132	62	aged	aged	ADJ
cjfa-18794	132	63	population	population	NOUN
cjfa-18794	132	64	cohorts	cohort	NOUN
cjfa-18794	132	65	,	,	PUNCT
cjfa-18794	132	66	the	the	DET
cjfa-18794	132	67	share	share	NOUN
cjfa-18794	132	68	of	of	ADP
cjfa-18794	132	69	population	population	NOUN
cjfa-18794	132	70	with	with	ADP
cjfa-18794	132	71	tertiary	tertiary	ADJ
cjfa-18794	132	72	education	education	NOUN
cjfa-18794	132	73	attainment	attainment	NOUN
cjfa-18794	132	74	,	,	PUNCT
cjfa-18794	132	75	housing	housing	NOUN
cjfa-18794	132	76	prices	price	NOUN
cjfa-18794	132	77	,	,	PUNCT
cjfa-18794	132	78	wage	wage	NOUN
cjfa-18794	132	79	-	-	PUNCT
cjfa-18794	132	80	productivity	productivity	NOUN
cjfa-18794	132	81	gap	gap	NOUN
cjfa-18794	132	82	,	,	PUNCT
cjfa-18794	132	83	and	and	CCONJ
cjfa-18794	132	84	income	income	NOUN
cjfa-18794	132	85	inequality	inequality	NOUN
cjfa-18794	132	86	.	.	PUNCT
cjfa-18794	133	1	h2	h2	NOUN
cjfa-18794	133	2	:	:	PUNCT
cjfa-18794	133	3	the	the	DET
cjfa-18794	133	4	household	household	NOUN
cjfa-18794	133	5	dti	dti	PROPN
cjfa-18794	133	6	ratio	ratio	NOUN
cjfa-18794	133	7	in	in	ADP
cjfa-18794	133	8	the	the	DET
cjfa-18794	133	9	oecd	oecd	PROPN
cjfa-18794	133	10	countries	country	NOUN
cjfa-18794	133	11	in	in	ADP
cjfa-18794	133	12	the	the	DET
cjfa-18794	133	13	long	long	ADJ
cjfa-18794	133	14	run	run	NOUN
cjfa-18794	133	15	is	be	AUX
cjfa-18794	133	16	negatively	negatively	ADV
cjfa-18794	133	17	related	relate	VERB
cjfa-18794	133	18	to	to	ADP
cjfa-18794	133	19	interest	interest	NOUN
cjfa-18794	133	20	rate	rate	NOUN
cjfa-18794	133	21	and	and	CCONJ
cjfa-18794	133	22	unemployment	unemployment	NOUN
cjfa-18794	133	23	rate	rate	NOUN
cjfa-18794	133	24	.	.	PUNCT
cjfa-18794	134	1	given	give	VERB
cjfa-18794	134	2	a	a	DET
cjfa-18794	134	3	significant	significant	ADJ
cjfa-18794	134	4	cross	cross	ADJ
cjfa-18794	134	5	-	-	ADJ
cjfa-18794	134	6	sectional	sectional	ADJ
cjfa-18794	134	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	134	8	in	in	ADP
cjfa-18794	134	9	the	the	DET
cjfa-18794	134	10	examined	examine	VERB
cjfa-18794	134	11	sample	sample	NOUN
cjfa-18794	134	12	and	and	CCONJ
cjfa-18794	134	13	the	the	DET
cjfa-18794	134	14	results	result	NOUN
cjfa-18794	134	15	of	of	ADP
cjfa-18794	134	16	the	the	DET
cjfa-18794	134	17	hausman	hausman	PROPN
cjfa-18794	134	18	specification	specification	PROPN
cjfa-18794	134	19	test	test	NOUN
cjfa-18794	134	20	,	,	PUNCT
cjfa-18794	134	21	the	the	DET
cjfa-18794	134	22	investigation	investigation	NOUN
cjfa-18794	134	23	has	have	AUX
cjfa-18794	134	24	been	be	AUX
cjfa-18794	134	25	based	base	VERB
cjfa-18794	134	26	on	on	ADP
cjfa-18794	134	27	a	a	DET
cjfa-18794	134	28	fixed	fix	VERB
cjfa-18794	134	29	-	-	PUNCT
cjfa-18794	134	30	effect	effect	NOUN
cjfa-18794	134	31	panel	panel	NOUN
cjfa-18794	134	32	data	datum	NOUN
cjfa-18794	134	33	regression	regression	NOUN
cjfa-18794	134	34	analysis	analysis	NOUN
cjfa-18794	134	35	.	.	PUNCT
cjfa-18794	135	1	the	the	DET
cjfa-18794	135	2	choice	choice	NOUN
cjfa-18794	135	3	of	of	ADP
cjfa-18794	135	4	the	the	DET
cjfa-18794	135	5	explanatory	explanatory	ADJ
cjfa-18794	135	6	variables	variable	NOUN
cjfa-18794	135	7	employed	employ	VERB
cjfa-18794	135	8	in	in	ADP
cjfa-18794	135	9	the	the	DET
cjfa-18794	135	10	model	model	NOUN
cjfa-18794	135	11	is	be	AUX
cjfa-18794	135	12	largely	largely	ADV
cjfa-18794	135	13	determined	determine	VERB
cjfa-18794	135	14	by	by	ADP
cjfa-18794	135	15	the	the	DET
cjfa-18794	135	16	availability	availability	NOUN
cjfa-18794	135	17	of	of	ADP
cjfa-18794	135	18	data	datum	NOUN
cjfa-18794	135	19	and	and	CCONJ
cjfa-18794	135	20	the	the	DET
cjfa-18794	135	21	pursuance	pursuance	NOUN
cjfa-18794	135	22	of	of	ADP
cjfa-18794	135	23	obtaining	obtain	VERB
cjfa-18794	135	24	a	a	DET
cjfa-18794	135	25	possibly	possibly	ADV
cjfa-18794	135	26	most	most	ADV
cjfa-18794	135	27	complete	complete	ADJ
cjfa-18794	135	28	dataset	dataset	NOUN
cjfa-18794	135	29	.	.	PUNCT
cjfa-18794	136	1	the	the	DET
cjfa-18794	136	2	variables	variable	NOUN
cjfa-18794	136	3	exhibiting	exhibit	VERB
cjfa-18794	136	4	a	a	DET
cjfa-18794	136	5	significant	significant	ADJ
cjfa-18794	136	6	skewness	skewness	NOUN
cjfa-18794	136	7	of	of	ADP
cjfa-18794	136	8	the	the	DET
cjfa-18794	136	9	distribution	distribution	NOUN
cjfa-18794	136	10	have	have	AUX
cjfa-18794	136	11	been	be	AUX
cjfa-18794	136	12	log	log	NOUN
cjfa-18794	136	13	-	-	PUNCT
cjfa-18794	136	14	transformed	transform	VERB
cjfa-18794	136	15	,	,	PUNCT
cjfa-18794	136	16	yielding	yield	VERB
cjfa-18794	136	17	the	the	DET
cjfa-18794	136	18	following	follow	VERB
cjfa-18794	136	19	regression	regression	NOUN
cjfa-18794	136	20	model	model	NOUN
cjfa-18794	136	21	:	:	PUNCT
cjfa-18794	136	22	�	�	PROPN
cjfa-18794	136	23	�	�	PROPN
cjfa-18794	136	24	�	�	PROPN
cjfa-18794	136	25	�	�	PROPN
cjfa-18794	136	26	�	�	PROPN
cjfa-18794	136	27	�	�	PROPN
cjfa-18794	136	28	�	�	PROPN
cjfa-18794	136	29	�	�	PROPN
cjfa-18794	136	30	�	�	PROPN
cjfa-18794	136	31	�	�	PROPN
cjfa-18794	136	32	+	+	CCONJ
cjfa-18794	136	33	�	�	PROPN
cjfa-18794	136	34	�	�	PROPN
cjfa-18794	136	35	�	�	PROPN
cjfa-18794	136	36	�	�	PROPN
cjfa-18794	136	37	�	�	PROPN
cjfa-18794	136	38	�	�	PROPN
cjfa-18794	136	39	�	�	PROPN
cjfa-18794	136	40	�	�	PROPN
cjfa-18794	136	41	�	�	PROPN
cjfa-18794	136	42	+	+	SYM
cjfa-18794	136	43	�	�	PROPN
cjfa-18794	136	44	�	�	PROPN
cjfa-18794	136	45	�	�	PROPN
cjfa-18794	136	46	�	�	PROPN
cjfa-18794	136	47	�	�	PROPN
cjfa-18794	136	48	�	�	PROPN
cjfa-18794	136	49	�	�	PROPN
cjfa-18794	136	50	�	�	PROPN
cjfa-18794	136	51	�	�	PROPN
cjfa-18794	136	52	�	�	PROPN
cjfa-18794	136	53	�	�	PROPN
cjfa-18794	136	54	+	+	SYM
cjfa-18794	136	55	�	�	PROPN
cjfa-18794	136	56	�	�	PROPN
cjfa-18794	136	57	�	�	PROPN
cjfa-18794	136	58	�	�	PROPN
cjfa-18794	136	59	�	�	PROPN
cjfa-18794	136	60	�	�	PROPN
cjfa-18794	136	61	�	�	PROPN
cjfa-18794	136	62	+	+	SYM
cjfa-18794	136	63	�	�	PROPN
cjfa-18794	136	64	�	�	PROPN
cjfa-18794	136	65	�	�	PROPN
cjfa-18794	136	66	�	�	PROPN
cjfa-18794	136	67	�	�	PROPN
cjfa-18794	136	68	�	�	PROPN
cjfa-18794	136	69	�	�	PROPN
cjfa-18794	136	70	�	�	PROPN
cjfa-18794	136	71	�	�	PROPN
cjfa-18794	136	72	+	+	SYM
cjfa-18794	136	73	�	�	PROPN
cjfa-18794	136	74	�	�	PROPN
cjfa-18794	136	75	�	�	PROPN
cjfa-18794	136	76	�	�	PROPN
cjfa-18794	136	77	�	�	PROPN
cjfa-18794	136	78	�	�	PROPN
cjfa-18794	136	79	�	�	PROPN
cjfa-18794	136	80	�	�	PROPN
cjfa-18794	136	81	�	�	PROPN
cjfa-18794	136	82	�	�	PROPN
cjfa-18794	136	83	�	�	PROPN
cjfa-18794	136	84	�	�	PROPN
cjfa-18794	136	85	�	�	PROPN
cjfa-18794	136	86	�	�	PROPN
cjfa-18794	136	87	�	�	PROPN
cjfa-18794	136	88	+	+	SYM
cjfa-18794	136	89	�	�	PROPN
cjfa-18794	136	90	�	�	PROPN
cjfa-18794	136	91	�	�	PROPN
cjfa-18794	136	92	�	�	PROPN
cjfa-18794	136	93	�	�	PROPN
cjfa-18794	136	94	�	�	PROPN
cjfa-18794	136	95	�	�	PROPN
cjfa-18794	136	96	�	�	PROPN
cjfa-18794	136	97	+	+	PROPN
cjfa-18794	136	98	�	�	PROPN
cjfa-18794	136	99	�	�	PROPN
cjfa-18794	136	100	�	�	PROPN
cjfa-18794	136	101	�	�	PROPN
cjfa-18794	136	102	�	�	PROPN
cjfa-18794	136	103	�	�	PROPN
cjfa-18794	136	104	�	�	PROPN
cjfa-18794	136	105	�	�	PROPN
cjfa-18794	136	106	�	�	PROPN
cjfa-18794	136	107	+	+	PROPN
cjfa-18794	136	108	�	�	PROPN
cjfa-18794	136	109	�	�	PROPN
cjfa-18794	136	110	�	�	PROPN
cjfa-18794	136	111	�	�	PROPN
cjfa-18794	136	112	�	�	PROPN
cjfa-18794	136	113	�	�	PROPN
cjfa-18794	136	114	�	�	PROPN
cjfa-18794	136	115	�	�	PROPN
cjfa-18794	136	116	�	�	PROPN
cjfa-18794	136	117	�	�	PROPN
cjfa-18794	136	118	+	+	SYM
cjfa-18794	136	119	�	�	PROPN
cjfa-18794	136	120	�	�	PROPN
cjfa-18794	136	121	�	�	PROPN
cjfa-18794	136	122	�	�	PROPN
cjfa-18794	136	123	�	�	PROPN
cjfa-18794	136	124	�	�	PROPN
cjfa-18794	136	125	�	�	PROPN
cjfa-18794	136	126	�	�	PROPN
cjfa-18794	136	127	+	+	SYM
cjfa-18794	136	128	�	�	PROPN
cjfa-18794	136	129	�	�	PROPN
cjfa-18794	136	130	+	+	CCONJ
cjfa-18794	136	131	�	�	PROPN
cjfa-18794	136	132	�	�	PROPN
cjfa-18794	136	133	�	�	PROPN
cjfa-18794	137	1	where	where	SCONJ
cjfa-18794	137	2	:	:	PUNCT
cjfa-18794	137	3	‒	‒	X
cjfa-18794	137	4	�	�	PROPN
cjfa-18794	137	5	�	�	PROPN
cjfa-18794	137	6	�	�	PROPN
cjfa-18794	137	7	�	�	PROPN
cjfa-18794	137	8	�	�	PROPN
cjfa-18794	137	9	�	�	PROPN
cjfa-18794	137	10	�	�	PROPN
cjfa-18794	137	11	–	–	PUNCT
cjfa-18794	137	12	natural	natural	ADJ
cjfa-18794	137	13	log	log	NOUN
cjfa-18794	137	14	of	of	ADP
cjfa-18794	137	15	the	the	DET
cjfa-18794	137	16	total	total	ADJ
cjfa-18794	137	17	household	household	NOUN
cjfa-18794	137	18	debt	debt	NOUN
cjfa-18794	137	19	to	to	ADP
cjfa-18794	137	20	net	net	ADJ
cjfa-18794	137	21	disposable	disposable	ADJ
cjfa-18794	137	22	income	income	NOUN
cjfa-18794	137	23	,	,	PUNCT
cjfa-18794	137	24	‒	‒	X
cjfa-18794	137	25	�	�	PROPN
cjfa-18794	137	26	�	�	PROPN
cjfa-18794	137	27	�	�	PROPN
cjfa-18794	137	28	�	�	PROPN
cjfa-18794	137	29	�	�	PROPN
cjfa-18794	137	30	�	�	PROPN
cjfa-18794	137	31	–	–	PUNCT
cjfa-18794	137	32	natural	natural	ADJ
cjfa-18794	137	33	log	log	NOUN
cjfa-18794	137	34	of	of	ADP
cjfa-18794	137	35	the	the	DET
cjfa-18794	137	36	average	average	ADJ
cjfa-18794	137	37	annual	annual	ADJ
cjfa-18794	137	38	wage	wage	NOUN
cjfa-18794	137	39	(	(	PUNCT
cjfa-18794	137	40	constant	constant	ADJ
cjfa-18794	137	41	ppp	ppp	NOUN
cjfa-18794	137	42	)	)	PUNCT
cjfa-18794	137	43	,	,	PUNCT
cjfa-18794	137	44	‒	‒	X
cjfa-18794	137	45	�	�	PROPN
cjfa-18794	137	46	�	�	PROPN
cjfa-18794	137	47	�	�	PROPN
cjfa-18794	137	48	�	�	PROPN
cjfa-18794	137	49	�	�	PROPN
cjfa-18794	137	50	�	�	PROPN
cjfa-18794	137	51	�	�	PROPN
cjfa-18794	137	52	�	�	PROPN
cjfa-18794	137	53	–	–	PUNCT
cjfa-18794	137	54	natural	natural	ADJ
cjfa-18794	137	55	log	log	NOUN
cjfa-18794	137	56	of	of	ADP
cjfa-18794	137	57	the	the	DET
cjfa-18794	137	58	rate	rate	NOUN
cjfa-18794	137	59	of	of	ADP
cjfa-18794	137	60	growth	growth	NOUN
cjfa-18794	137	61	in	in	ADP
cjfa-18794	137	62	real	real	ADJ
cjfa-18794	137	63	gdp	gdp	NOUN
cjfa-18794	137	64	per	per	ADP
cjfa-18794	137	65	person	person	NOUN
cjfa-18794	137	66	(	(	PUNCT
cjfa-18794	137	67	constant	constant	ADJ
cjfa-18794	137	68	ppp	ppp	NOUN
cjfa-18794	137	69	)	)	PUNCT
cjfa-18794	137	70	,	,	PUNCT
cjfa-18794	137	71	‒	‒	X
cjfa-18794	137	72	�	�	PROPN
cjfa-18794	137	73	�	�	PROPN
cjfa-18794	137	74	�	�	PROPN
cjfa-18794	137	75	�	�	PROPN
cjfa-18794	137	76	–	–	PUNCT
cjfa-18794	137	77	short	short	ADJ
cjfa-18794	137	78	-	-	PUNCT
cjfa-18794	137	79	term	term	NOUN
cjfa-18794	137	80	interest	interest	NOUN
cjfa-18794	137	81	rate	rate	NOUN
cjfa-18794	137	82	,	,	PUNCT
cjfa-18794	137	83	‒	‒	X
cjfa-18794	137	84	�	�	PROPN
cjfa-18794	137	85	�	�	PROPN
cjfa-18794	137	86	�	�	PROPN
cjfa-18794	137	87	�	�	PROPN
cjfa-18794	137	88	�	�	PROPN
cjfa-18794	137	89	�	�	PROPN
cjfa-18794	137	90	–	–	PUNCT
cjfa-18794	137	91	natural	natural	ADJ
cjfa-18794	137	92	log	log	NOUN
cjfa-18794	137	93	of	of	ADP
cjfa-18794	137	94	the	the	DET
cjfa-18794	137	95	unemployment	unemployment	NOUN
cjfa-18794	137	96	rate	rate	NOUN
cjfa-18794	137	97	,	,	PUNCT
cjfa-18794	137	98	‒	‒	X
cjfa-18794	137	99	�	�	PROPN
cjfa-18794	137	100	�	�	PROPN
cjfa-18794	137	101	�	�	PROPN
cjfa-18794	137	102	�	�	PROPN
cjfa-18794	137	103	�	�	PROPN
cjfa-18794	137	104	�	�	PROPN
cjfa-18794	137	105	–	–	PUNCT
cjfa-18794	137	106	housing	housing	NOUN
cjfa-18794	137	107	rent	rent	NOUN
cjfa-18794	137	108	price	price	NOUN
cjfa-18794	137	109	index	index	NOUN
cjfa-18794	137	110	,	,	PUNCT
cjfa-18794	137	111	‒	‒	X
cjfa-18794	137	112	�	�	PROPN
cjfa-18794	137	113	�	�	PROPN
cjfa-18794	137	114	�	�	PROPN
cjfa-18794	137	115	�	�	PROPN
cjfa-18794	137	116	�	�	PROPN
cjfa-18794	137	117	�	�	PROPN
cjfa-18794	137	118	�	�	PROPN
cjfa-18794	137	119	�	�	PROPN
cjfa-18794	137	120	�	�	PROPN
cjfa-18794	137	121	�	�	PROPN
cjfa-18794	137	122	�	�	PROPN
cjfa-18794	137	123	�	�	PROPN
cjfa-18794	137	124	–	–	PUNCT
cjfa-18794	137	125	natural	natural	ADJ
cjfa-18794	137	126	log	log	NOUN
cjfa-18794	137	127	of	of	ADP
cjfa-18794	137	128	the	the	DET
cjfa-18794	137	129	share	share	NOUN
cjfa-18794	137	130	of	of	ADP
cjfa-18794	137	131	population	population	NOUN
cjfa-18794	137	132	aged	aged	ADJ
cjfa-18794	137	133	25–39	25–39	NUM
cjfa-18794	137	134	,	,	PUNCT
cjfa-18794	137	135	‒	‒	X
cjfa-18794	137	136	�	�	PROPN
cjfa-18794	137	137	�	�	PROPN
cjfa-18794	137	138	�	�	PROPN
cjfa-18794	137	139	�	�	PROPN
cjfa-18794	137	140	�	�	PROPN
cjfa-18794	137	141	–	–	PUNCT
cjfa-18794	137	142	the	the	DET
cjfa-18794	137	143	share	share	NOUN
cjfa-18794	137	144	of	of	ADP
cjfa-18794	137	145	population	population	NOUN
cjfa-18794	137	146	aged	age	VERB
cjfa-18794	137	147	25–64	25–64	NUM
cjfa-18794	137	148	with	with	ADP
cjfa-18794	137	149	tertiary	tertiary	ADJ
cjfa-18794	137	150	education	education	NOUN
cjfa-18794	137	151	attainment	attainment	NOUN
cjfa-18794	137	152	,	,	PUNCT
cjfa-18794	137	153	–	–	PUNCT
cjfa-18794	137	154	short	short	ADJ
cjfa-18794	137	155	-	-	PUNCT
cjfa-18794	137	156	term	term	NOUN
cjfa-18794	137	157	interest	interest	NOUN
cjfa-18794	137	158	rate	rate	NOUN
cjfa-18794	137	159	,	,	PUNCT
cjfa-18794	137	160	‒	‒	X
cjfa-18794	137	161	particular	particular	ADJ
cjfa-18794	137	162	,	,	PUNCT
cjfa-18794	137	163	the	the	DET
cjfa-18794	137	164	evidence	evidence	NOUN
cjfa-18794	137	165	based	base	VERB
cjfa-18794	137	166	on	on	ADP
cjfa-18794	137	167	both	both	CCONJ
cjfa-18794	137	168	broader	broad	ADJ
cjfa-18794	137	169	international	international	ADJ
cjfa-18794	137	170	data	datum	NOUN
cjfa-18794	137	171	and	and	CCONJ
cjfa-18794	137	172	a	a	DET
cjfa-18794	137	173	wide	wide	ADJ
cjfa-18794	137	174	set	set	NOUN
cjfa-18794	137	175	of	of	ADP
cjfa-18794	137	176	examined	examine	VERB
cjfa-18794	137	177	explanatory	explanatory	ADJ
cjfa-18794	137	178	variables	variable	NOUN
cjfa-18794	137	179	remains	remain	VERB
cjfa-18794	137	180	rather	rather	ADV
cjfa-18794	137	181	modest	modest	ADJ
cjfa-18794	137	182	.	.	PUNCT
cjfa-18794	138	1	the	the	DET
cjfa-18794	138	2	present	present	ADJ
cjfa-18794	138	3	study	study	NOUN
cjfa-18794	138	4	attempts	attempt	VERB
cjfa-18794	138	5	therefore	therefore	ADV
cjfa-18794	138	6	to	to	PART
cjfa-18794	138	7	contribute	contribute	VERB
cjfa-18794	138	8	to	to	ADP
cjfa-18794	138	9	the	the	DET
cjfa-18794	138	10	existing	exist	VERB
cjfa-18794	138	11	literature	literature	NOUN
cjfa-18794	138	12	by	by	ADP
cjfa-18794	138	13	filling	fill	VERB
cjfa-18794	138	14	this	this	DET
cjfa-18794	138	15	gap	gap	NOUN
cjfa-18794	138	16	.	.	PUNCT
cjfa-18794	139	1	the	the	DET
cjfa-18794	139	2	research	research	NOUN
cjfa-18794	139	3	methodology	methodology	NOUN
cjfa-18794	139	4	and	and	CCONJ
cjfa-18794	139	5	the	the	DET
cjfa-18794	139	6	course	course	NOUN
cjfa-18794	139	7	of	of	ADP
cjfa-18794	139	8	the	the	DET
cjfa-18794	139	9	research	research	NOUN
cjfa-18794	139	10	process	process	NOUN
cjfa-18794	139	11	the	the	DET
cjfa-18794	139	12	empirical	empirical	ADJ
cjfa-18794	139	13	evidence	evidence	NOUN
cjfa-18794	139	14	in	in	ADP
cjfa-18794	139	15	the	the	DET
cjfa-18794	139	16	relevant	relevant	ADJ
cjfa-18794	139	17	literature	literature	NOUN
cjfa-18794	139	18	allows	allow	VERB
cjfa-18794	139	19	to	to	PART
cjfa-18794	139	20	formulate	formulate	VERB
cjfa-18794	139	21	the	the	DET
cjfa-18794	139	22	following	follow	VERB
cjfa-18794	139	23	set	set	NOUN
cjfa-18794	139	24	of	of	ADP
cjfa-18794	139	25	research	research	NOUN
cjfa-18794	139	26	hypotheses	hypothesis	NOUN
cjfa-18794	139	27	:	:	PUNCT
cjfa-18794	139	28	h1	h1	NOUN
cjfa-18794	139	29	:	:	PUNCT
cjfa-18794	139	30	the	the	DET
cjfa-18794	139	31	household	household	NOUN
cjfa-18794	139	32	dti	dti	PROPN
cjfa-18794	139	33	ratio	ratio	NOUN
cjfa-18794	139	34	in	in	ADP
cjfa-18794	139	35	the	the	DET
cjfa-18794	139	36	oecd	oecd	PROPN
cjfa-18794	139	37	countries	country	NOUN
cjfa-18794	139	38	in	in	ADP
cjfa-18794	139	39	the	the	DET
cjfa-18794	139	40	long	long	ADJ
cjfa-18794	139	41	run	run	NOUN
cjfa-18794	139	42	is	be	AUX
cjfa-18794	139	43	positively	positively	ADV
cjfa-18794	139	44	related	relate	VERB
cjfa-18794	139	45	to	to	ADP
cjfa-18794	139	46	average	average	ADJ
cjfa-18794	139	47	wages	wage	NOUN
cjfa-18794	139	48	,	,	PUNCT
cjfa-18794	139	49	the	the	DET
cjfa-18794	139	50	rate	rate	NOUN
cjfa-18794	139	51	of	of	ADP
cjfa-18794	139	52	economic	economic	ADJ
cjfa-18794	139	53	growth	growth	NOUN
cjfa-18794	139	54	,	,	PUNCT
cjfa-18794	139	55	the	the	DET
cjfa-18794	139	56	share	share	NOUN
cjfa-18794	139	57	of	of	ADP
cjfa-18794	139	58	young	young	ADJ
cjfa-18794	139	59	and	and	CCONJ
cjfa-18794	139	60	middle	middle	ADJ
cjfa-18794	139	61	-	-	PUNCT
cjfa-18794	139	62	aged	aged	ADJ
cjfa-18794	139	63	population	population	NOUN
cjfa-18794	139	64	cohorts	cohort	NOUN
cjfa-18794	139	65	,	,	PUNCT
cjfa-18794	139	66	the	the	DET
cjfa-18794	139	67	share	share	NOUN
cjfa-18794	139	68	of	of	ADP
cjfa-18794	139	69	population	population	NOUN
cjfa-18794	139	70	with	with	ADP
cjfa-18794	139	71	tertiary	tertiary	ADJ
cjfa-18794	139	72	education	education	NOUN
cjfa-18794	139	73	attainment	attainment	NOUN
cjfa-18794	139	74	,	,	PUNCT
cjfa-18794	139	75	housing	housing	NOUN
cjfa-18794	139	76	prices	price	NOUN
cjfa-18794	139	77	,	,	PUNCT
cjfa-18794	139	78	wage	wage	NOUN
cjfa-18794	139	79	-	-	PUNCT
cjfa-18794	139	80	productivity	productivity	NOUN
cjfa-18794	139	81	gap	gap	NOUN
cjfa-18794	139	82	,	,	PUNCT
cjfa-18794	139	83	and	and	CCONJ
cjfa-18794	139	84	income	income	NOUN
cjfa-18794	139	85	inequality	inequality	NOUN
cjfa-18794	139	86	.	.	PUNCT
cjfa-18794	140	1	h2	h2	NOUN
cjfa-18794	140	2	:	:	PUNCT
cjfa-18794	140	3	the	the	DET
cjfa-18794	140	4	household	household	NOUN
cjfa-18794	140	5	dti	dti	PROPN
cjfa-18794	140	6	ratio	ratio	NOUN
cjfa-18794	140	7	in	in	ADP
cjfa-18794	140	8	the	the	DET
cjfa-18794	140	9	oecd	oecd	PROPN
cjfa-18794	140	10	countries	country	NOUN
cjfa-18794	140	11	in	in	ADP
cjfa-18794	140	12	the	the	DET
cjfa-18794	140	13	long	long	ADJ
cjfa-18794	140	14	run	run	NOUN
cjfa-18794	140	15	is	be	AUX
cjfa-18794	140	16	negatively	negatively	ADV
cjfa-18794	140	17	related	relate	VERB
cjfa-18794	140	18	to	to	ADP
cjfa-18794	140	19	interest	interest	NOUN
cjfa-18794	140	20	rate	rate	NOUN
cjfa-18794	140	21	and	and	CCONJ
cjfa-18794	140	22	unemployment	unemployment	NOUN
cjfa-18794	140	23	rate	rate	NOUN
cjfa-18794	140	24	.	.	PUNCT
cjfa-18794	141	1	given	give	VERB
cjfa-18794	141	2	a	a	DET
cjfa-18794	141	3	significant	significant	ADJ
cjfa-18794	141	4	cross	cross	ADJ
cjfa-18794	141	5	-	-	ADJ
cjfa-18794	141	6	sectional	sectional	ADJ
cjfa-18794	141	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	141	8	in	in	ADP
cjfa-18794	141	9	the	the	DET
cjfa-18794	141	10	examined	examine	VERB
cjfa-18794	141	11	sample	sample	NOUN
cjfa-18794	141	12	and	and	CCONJ
cjfa-18794	141	13	the	the	DET
cjfa-18794	141	14	results	result	NOUN
cjfa-18794	141	15	of	of	ADP
cjfa-18794	141	16	the	the	DET
cjfa-18794	141	17	hausman	hausman	PROPN
cjfa-18794	141	18	specification	specification	PROPN
cjfa-18794	141	19	test	test	NOUN
cjfa-18794	141	20	,	,	PUNCT
cjfa-18794	141	21	the	the	DET
cjfa-18794	141	22	investigation	investigation	NOUN
cjfa-18794	141	23	has	have	AUX
cjfa-18794	141	24	been	be	AUX
cjfa-18794	141	25	based	base	VERB
cjfa-18794	141	26	on	on	ADP
cjfa-18794	141	27	a	a	DET
cjfa-18794	141	28	fixed	fix	VERB
cjfa-18794	141	29	-	-	PUNCT
cjfa-18794	141	30	effect	effect	NOUN
cjfa-18794	141	31	panel	panel	NOUN
cjfa-18794	141	32	data	datum	NOUN
cjfa-18794	141	33	regression	regression	NOUN
cjfa-18794	141	34	analysis	analysis	NOUN
cjfa-18794	141	35	.	.	PUNCT
cjfa-18794	142	1	the	the	DET
cjfa-18794	142	2	choice	choice	NOUN
cjfa-18794	142	3	of	of	ADP
cjfa-18794	142	4	the	the	DET
cjfa-18794	142	5	explanatory	explanatory	ADJ
cjfa-18794	142	6	variables	variable	NOUN
cjfa-18794	142	7	employed	employ	VERB
cjfa-18794	142	8	in	in	ADP
cjfa-18794	142	9	the	the	DET
cjfa-18794	142	10	model	model	NOUN
cjfa-18794	142	11	is	be	AUX
cjfa-18794	142	12	largely	largely	ADV
cjfa-18794	142	13	determined	determine	VERB
cjfa-18794	142	14	by	by	ADP
cjfa-18794	142	15	the	the	DET
cjfa-18794	142	16	availability	availability	NOUN
cjfa-18794	142	17	of	of	ADP
cjfa-18794	142	18	data	datum	NOUN
cjfa-18794	142	19	and	and	CCONJ
cjfa-18794	142	20	the	the	DET
cjfa-18794	142	21	pursuance	pursuance	NOUN
cjfa-18794	142	22	of	of	ADP
cjfa-18794	142	23	obtaining	obtain	VERB
cjfa-18794	142	24	a	a	DET
cjfa-18794	142	25	possibly	possibly	ADV
cjfa-18794	142	26	most	most	ADV
cjfa-18794	142	27	complete	complete	ADJ
cjfa-18794	142	28	dataset	dataset	NOUN
cjfa-18794	142	29	.	.	PUNCT
cjfa-18794	143	1	the	the	DET
cjfa-18794	143	2	variables	variable	NOUN
cjfa-18794	143	3	exhibiting	exhibit	VERB
cjfa-18794	143	4	a	a	DET
cjfa-18794	143	5	significant	significant	ADJ
cjfa-18794	143	6	skewness	skewness	NOUN
cjfa-18794	143	7	of	of	ADP
cjfa-18794	143	8	the	the	DET
cjfa-18794	143	9	distribution	distribution	NOUN
cjfa-18794	143	10	have	have	AUX
cjfa-18794	143	11	been	be	AUX
cjfa-18794	143	12	log	log	NOUN
cjfa-18794	143	13	-	-	PUNCT
cjfa-18794	143	14	transformed	transform	VERB
cjfa-18794	143	15	,	,	PUNCT
cjfa-18794	143	16	yielding	yield	VERB
cjfa-18794	143	17	the	the	DET
cjfa-18794	143	18	following	follow	VERB
cjfa-18794	143	19	regression	regression	NOUN
cjfa-18794	143	20	model	model	NOUN
cjfa-18794	143	21	:	:	PUNCT
cjfa-18794	143	22	�	�	PROPN
cjfa-18794	143	23	�	�	PROPN
cjfa-18794	143	24	�	�	PROPN
cjfa-18794	143	25	�	�	PROPN
cjfa-18794	143	26	�	�	PROPN
cjfa-18794	143	27	�	�	PROPN
cjfa-18794	143	28	�	�	PROPN
cjfa-18794	143	29	�	�	PROPN
cjfa-18794	143	30	�	�	PROPN
cjfa-18794	143	31	�	�	PROPN
cjfa-18794	143	32	+	+	CCONJ
cjfa-18794	143	33	�	�	PROPN
cjfa-18794	143	34	�	�	PROPN
cjfa-18794	143	35	�	�	PROPN
cjfa-18794	143	36	�	�	PROPN
cjfa-18794	143	37	�	�	PROPN
cjfa-18794	143	38	�	�	PROPN
cjfa-18794	143	39	�	�	PROPN
cjfa-18794	143	40	�	�	PROPN
cjfa-18794	143	41	�	�	PROPN
cjfa-18794	143	42	+	+	SYM
cjfa-18794	143	43	�	�	PROPN
cjfa-18794	143	44	�	�	PROPN
cjfa-18794	143	45	�	�	PROPN
cjfa-18794	143	46	�	�	PROPN
cjfa-18794	143	47	�	�	PROPN
cjfa-18794	143	48	�	�	PROPN
cjfa-18794	143	49	�	�	PROPN
cjfa-18794	143	50	�	�	PROPN
cjfa-18794	143	51	�	�	PROPN
cjfa-18794	143	52	�	�	PROPN
cjfa-18794	143	53	�	�	PROPN
cjfa-18794	143	54	+	+	SYM
cjfa-18794	143	55	�	�	PROPN
cjfa-18794	143	56	�	�	PROPN
cjfa-18794	143	57	�	�	PROPN
cjfa-18794	143	58	�	�	PROPN
cjfa-18794	143	59	�	�	PROPN
cjfa-18794	143	60	�	�	PROPN
cjfa-18794	143	61	�	�	PROPN
cjfa-18794	143	62	+	+	SYM
cjfa-18794	143	63	�	�	PROPN
cjfa-18794	143	64	�	�	PROPN
cjfa-18794	143	65	�	�	PROPN
cjfa-18794	143	66	�	�	PROPN
cjfa-18794	143	67	�	�	PROPN
cjfa-18794	143	68	�	�	PROPN
cjfa-18794	143	69	�	�	PROPN
cjfa-18794	143	70	�	�	PROPN
cjfa-18794	143	71	�	�	PROPN
cjfa-18794	143	72	+	+	SYM
cjfa-18794	143	73	�	�	PROPN
cjfa-18794	143	74	�	�	PROPN
cjfa-18794	143	75	�	�	PROPN
cjfa-18794	143	76	�	�	PROPN
cjfa-18794	143	77	�	�	PROPN
cjfa-18794	143	78	�	�	PROPN
cjfa-18794	143	79	�	�	PROPN
cjfa-18794	143	80	�	�	PROPN
cjfa-18794	143	81	�	�	PROPN
cjfa-18794	143	82	�	�	PROPN
cjfa-18794	143	83	�	�	PROPN
cjfa-18794	143	84	�	�	PROPN
cjfa-18794	143	85	�	�	PROPN
cjfa-18794	143	86	�	�	PROPN
cjfa-18794	143	87	�	�	PROPN
cjfa-18794	143	88	+	+	SYM
cjfa-18794	143	89	�	�	PROPN
cjfa-18794	143	90	�	�	PROPN
cjfa-18794	143	91	�	�	PROPN
cjfa-18794	143	92	�	�	PROPN
cjfa-18794	143	93	�	�	PROPN
cjfa-18794	143	94	�	�	PROPN
cjfa-18794	143	95	�	�	PROPN
cjfa-18794	143	96	�	�	PROPN
cjfa-18794	143	97	+	+	PROPN
cjfa-18794	143	98	�	�	PROPN
cjfa-18794	143	99	�	�	PROPN
cjfa-18794	143	100	�	�	PROPN
cjfa-18794	143	101	�	�	PROPN
cjfa-18794	143	102	�	�	PROPN
cjfa-18794	143	103	�	�	PROPN
cjfa-18794	143	104	�	�	PROPN
cjfa-18794	143	105	�	�	PROPN
cjfa-18794	143	106	�	�	PROPN
cjfa-18794	143	107	+	+	PROPN
cjfa-18794	143	108	�	�	PROPN
cjfa-18794	143	109	�	�	PROPN
cjfa-18794	143	110	�	�	PROPN
cjfa-18794	143	111	�	�	PROPN
cjfa-18794	143	112	�	�	PROPN
cjfa-18794	143	113	�	�	PROPN
cjfa-18794	143	114	�	�	PROPN
cjfa-18794	143	115	�	�	PROPN
cjfa-18794	143	116	�	�	PROPN
cjfa-18794	143	117	�	�	PROPN
cjfa-18794	143	118	+	+	SYM
cjfa-18794	143	119	�	�	PROPN
cjfa-18794	143	120	�	�	PROPN
cjfa-18794	143	121	�	�	PROPN
cjfa-18794	143	122	�	�	PROPN
cjfa-18794	143	123	�	�	PROPN
cjfa-18794	143	124	�	�	PROPN
cjfa-18794	143	125	�	�	PROPN
cjfa-18794	143	126	�	�	PROPN
cjfa-18794	143	127	+	+	SYM
cjfa-18794	143	128	�	�	PROPN
cjfa-18794	143	129	�	�	PROPN
cjfa-18794	143	130	+	+	CCONJ
cjfa-18794	143	131	�	�	PROPN
cjfa-18794	143	132	�	�	PROPN
cjfa-18794	143	133	�	�	PROPN
cjfa-18794	144	1	where	where	SCONJ
cjfa-18794	144	2	:	:	PUNCT
cjfa-18794	144	3	‒	‒	X
cjfa-18794	144	4	�	�	PROPN
cjfa-18794	144	5	�	�	PROPN
cjfa-18794	144	6	�	�	PROPN
cjfa-18794	144	7	�	�	PROPN
cjfa-18794	144	8	�	�	PROPN
cjfa-18794	144	9	�	�	PROPN
cjfa-18794	144	10	�	�	PROPN
cjfa-18794	144	11	–	–	PUNCT
cjfa-18794	144	12	natural	natural	ADJ
cjfa-18794	144	13	log	log	NOUN
cjfa-18794	144	14	of	of	ADP
cjfa-18794	144	15	the	the	DET
cjfa-18794	144	16	total	total	ADJ
cjfa-18794	144	17	household	household	NOUN
cjfa-18794	144	18	debt	debt	NOUN
cjfa-18794	144	19	to	to	ADP
cjfa-18794	144	20	net	net	ADJ
cjfa-18794	144	21	disposable	disposable	ADJ
cjfa-18794	144	22	income	income	NOUN
cjfa-18794	144	23	,	,	PUNCT
cjfa-18794	144	24	‒	‒	X
cjfa-18794	144	25	�	�	PROPN
cjfa-18794	144	26	�	�	PROPN
cjfa-18794	144	27	�	�	PROPN
cjfa-18794	144	28	�	�	PROPN
cjfa-18794	144	29	�	�	PROPN
cjfa-18794	144	30	�	�	PROPN
cjfa-18794	144	31	–	–	PUNCT
cjfa-18794	144	32	natural	natural	ADJ
cjfa-18794	144	33	log	log	NOUN
cjfa-18794	144	34	of	of	ADP
cjfa-18794	144	35	the	the	DET
cjfa-18794	144	36	average	average	ADJ
cjfa-18794	144	37	annual	annual	ADJ
cjfa-18794	144	38	wage	wage	NOUN
cjfa-18794	144	39	(	(	PUNCT
cjfa-18794	144	40	constant	constant	ADJ
cjfa-18794	144	41	ppp	ppp	NOUN
cjfa-18794	144	42	)	)	PUNCT
cjfa-18794	144	43	,	,	PUNCT
cjfa-18794	144	44	‒	‒	X
cjfa-18794	144	45	�	�	PROPN
cjfa-18794	144	46	�	�	PROPN
cjfa-18794	144	47	�	�	PROPN
cjfa-18794	144	48	�	�	PROPN
cjfa-18794	144	49	�	�	PROPN
cjfa-18794	144	50	�	�	PROPN
cjfa-18794	144	51	�	�	PROPN
cjfa-18794	144	52	�	�	PROPN
cjfa-18794	144	53	–	–	PUNCT
cjfa-18794	144	54	natural	natural	ADJ
cjfa-18794	144	55	log	log	NOUN
cjfa-18794	144	56	of	of	ADP
cjfa-18794	144	57	the	the	DET
cjfa-18794	144	58	rate	rate	NOUN
cjfa-18794	144	59	of	of	ADP
cjfa-18794	144	60	growth	growth	NOUN
cjfa-18794	144	61	in	in	ADP
cjfa-18794	144	62	real	real	ADJ
cjfa-18794	144	63	gdp	gdp	NOUN
cjfa-18794	144	64	per	per	ADP
cjfa-18794	144	65	person	person	NOUN
cjfa-18794	144	66	(	(	PUNCT
cjfa-18794	144	67	constant	constant	ADJ
cjfa-18794	144	68	ppp	ppp	NOUN
cjfa-18794	144	69	)	)	PUNCT
cjfa-18794	144	70	,	,	PUNCT
cjfa-18794	144	71	‒	‒	X
cjfa-18794	144	72	�	�	PROPN
cjfa-18794	144	73	�	�	PROPN
cjfa-18794	144	74	�	�	PROPN
cjfa-18794	144	75	�	�	PROPN
cjfa-18794	144	76	–	–	PUNCT
cjfa-18794	144	77	short	short	ADJ
cjfa-18794	144	78	-	-	PUNCT
cjfa-18794	144	79	term	term	NOUN
cjfa-18794	144	80	interest	interest	NOUN
cjfa-18794	144	81	rate	rate	NOUN
cjfa-18794	144	82	,	,	PUNCT
cjfa-18794	144	83	‒	‒	X
cjfa-18794	144	84	�	�	PROPN
cjfa-18794	144	85	�	�	PROPN
cjfa-18794	144	86	�	�	PROPN
cjfa-18794	144	87	�	�	PROPN
cjfa-18794	144	88	�	�	PROPN
cjfa-18794	144	89	�	�	PROPN
cjfa-18794	144	90	–	–	PUNCT
cjfa-18794	144	91	natural	natural	ADJ
cjfa-18794	144	92	log	log	NOUN
cjfa-18794	144	93	of	of	ADP
cjfa-18794	144	94	the	the	DET
cjfa-18794	144	95	unemployment	unemployment	NOUN
cjfa-18794	144	96	rate	rate	NOUN
cjfa-18794	144	97	,	,	PUNCT
cjfa-18794	144	98	‒	‒	X
cjfa-18794	144	99	�	�	PROPN
cjfa-18794	144	100	�	�	PROPN
cjfa-18794	144	101	�	�	PROPN
cjfa-18794	144	102	�	�	PROPN
cjfa-18794	144	103	�	�	PROPN
cjfa-18794	144	104	�	�	PROPN
cjfa-18794	144	105	–	–	PUNCT
cjfa-18794	144	106	housing	housing	NOUN
cjfa-18794	144	107	rent	rent	NOUN
cjfa-18794	144	108	price	price	NOUN
cjfa-18794	144	109	index	index	NOUN
cjfa-18794	144	110	,	,	PUNCT
cjfa-18794	144	111	‒	‒	X
cjfa-18794	144	112	�	�	PROPN
cjfa-18794	144	113	�	�	PROPN
cjfa-18794	144	114	�	�	PROPN
cjfa-18794	144	115	�	�	PROPN
cjfa-18794	144	116	�	�	PROPN
cjfa-18794	144	117	�	�	PROPN
cjfa-18794	144	118	�	�	PROPN
cjfa-18794	144	119	�	�	PROPN
cjfa-18794	144	120	�	�	PROPN
cjfa-18794	144	121	�	�	PROPN
cjfa-18794	144	122	�	�	PROPN
cjfa-18794	144	123	�	�	PROPN
cjfa-18794	144	124	–	–	PUNCT
cjfa-18794	144	125	natural	natural	ADJ
cjfa-18794	144	126	log	log	NOUN
cjfa-18794	144	127	of	of	ADP
cjfa-18794	144	128	the	the	DET
cjfa-18794	144	129	share	share	NOUN
cjfa-18794	144	130	of	of	ADP
cjfa-18794	144	131	population	population	NOUN
cjfa-18794	144	132	aged	aged	ADJ
cjfa-18794	144	133	25–39	25–39	NUM
cjfa-18794	144	134	,	,	PUNCT
cjfa-18794	144	135	‒	‒	X
cjfa-18794	144	136	�	�	PROPN
cjfa-18794	144	137	�	�	PROPN
cjfa-18794	144	138	�	�	PROPN
cjfa-18794	144	139	�	�	PROPN
cjfa-18794	144	140	�	�	PROPN
cjfa-18794	144	141	–	–	PUNCT
cjfa-18794	144	142	the	the	DET
cjfa-18794	144	143	share	share	NOUN
cjfa-18794	144	144	of	of	ADP
cjfa-18794	144	145	population	population	NOUN
cjfa-18794	144	146	aged	age	VERB
cjfa-18794	144	147	25–64	25–64	NUM
cjfa-18794	144	148	with	with	ADP
cjfa-18794	144	149	tertiary	tertiary	ADJ
cjfa-18794	144	150	education	education	NOUN
cjfa-18794	144	151	attainment	attainment	NOUN
cjfa-18794	144	152	,	,	PUNCT
cjfa-18794	144	153	–	–	PUNCT
cjfa-18794	144	154	natural	natural	ADJ
cjfa-18794	144	155	log	log	NOUN
cjfa-18794	144	156	of	of	ADP
cjfa-18794	144	157	the	the	DET
cjfa-18794	144	158	unemployment	unemployment	NOUN
cjfa-18794	144	159	rate	rate	NOUN
cjfa-18794	144	160	,	,	PUNCT
cjfa-18794	144	161	‒	‒	X
cjfa-18794	144	162	particular	particular	ADJ
cjfa-18794	144	163	,	,	PUNCT
cjfa-18794	144	164	the	the	DET
cjfa-18794	144	165	evidence	evidence	NOUN
cjfa-18794	144	166	based	base	VERB
cjfa-18794	144	167	on	on	ADP
cjfa-18794	144	168	both	both	CCONJ
cjfa-18794	144	169	broader	broad	ADJ
cjfa-18794	144	170	international	international	ADJ
cjfa-18794	144	171	data	datum	NOUN
cjfa-18794	144	172	and	and	CCONJ
cjfa-18794	144	173	a	a	DET
cjfa-18794	144	174	wide	wide	ADJ
cjfa-18794	144	175	set	set	NOUN
cjfa-18794	144	176	of	of	ADP
cjfa-18794	144	177	examined	examine	VERB
cjfa-18794	144	178	explanatory	explanatory	ADJ
cjfa-18794	144	179	variables	variable	NOUN
cjfa-18794	144	180	remains	remain	VERB
cjfa-18794	144	181	rather	rather	ADV
cjfa-18794	144	182	modest	modest	ADJ
cjfa-18794	144	183	.	.	PUNCT
cjfa-18794	145	1	the	the	DET
cjfa-18794	145	2	present	present	ADJ
cjfa-18794	145	3	study	study	NOUN
cjfa-18794	145	4	attempts	attempt	VERB
cjfa-18794	145	5	therefore	therefore	ADV
cjfa-18794	145	6	to	to	PART
cjfa-18794	145	7	contribute	contribute	VERB
cjfa-18794	145	8	to	to	ADP
cjfa-18794	145	9	the	the	DET
cjfa-18794	145	10	existing	exist	VERB
cjfa-18794	145	11	literature	literature	NOUN
cjfa-18794	145	12	by	by	ADP
cjfa-18794	145	13	filling	fill	VERB
cjfa-18794	145	14	this	this	DET
cjfa-18794	145	15	gap	gap	NOUN
cjfa-18794	145	16	.	.	PUNCT
cjfa-18794	146	1	the	the	DET
cjfa-18794	146	2	research	research	NOUN
cjfa-18794	146	3	methodology	methodology	NOUN
cjfa-18794	146	4	and	and	CCONJ
cjfa-18794	146	5	the	the	DET
cjfa-18794	146	6	course	course	NOUN
cjfa-18794	146	7	of	of	ADP
cjfa-18794	146	8	the	the	DET
cjfa-18794	146	9	research	research	NOUN
cjfa-18794	146	10	process	process	NOUN
cjfa-18794	146	11	the	the	DET
cjfa-18794	146	12	empirical	empirical	ADJ
cjfa-18794	146	13	evidence	evidence	NOUN
cjfa-18794	146	14	in	in	ADP
cjfa-18794	146	15	the	the	DET
cjfa-18794	146	16	relevant	relevant	ADJ
cjfa-18794	146	17	literature	literature	NOUN
cjfa-18794	146	18	allows	allow	VERB
cjfa-18794	146	19	to	to	PART
cjfa-18794	146	20	formulate	formulate	VERB
cjfa-18794	146	21	the	the	DET
cjfa-18794	146	22	following	follow	VERB
cjfa-18794	146	23	set	set	NOUN
cjfa-18794	146	24	of	of	ADP
cjfa-18794	146	25	research	research	NOUN
cjfa-18794	146	26	hypotheses	hypothesis	NOUN
cjfa-18794	146	27	:	:	PUNCT
cjfa-18794	146	28	h1	h1	NOUN
cjfa-18794	146	29	:	:	PUNCT
cjfa-18794	146	30	the	the	DET
cjfa-18794	146	31	household	household	NOUN
cjfa-18794	146	32	dti	dti	PROPN
cjfa-18794	146	33	ratio	ratio	NOUN
cjfa-18794	146	34	in	in	ADP
cjfa-18794	146	35	the	the	DET
cjfa-18794	146	36	oecd	oecd	PROPN
cjfa-18794	146	37	countries	country	NOUN
cjfa-18794	146	38	in	in	ADP
cjfa-18794	146	39	the	the	DET
cjfa-18794	146	40	long	long	ADJ
cjfa-18794	146	41	run	run	NOUN
cjfa-18794	146	42	is	be	AUX
cjfa-18794	146	43	positively	positively	ADV
cjfa-18794	146	44	related	relate	VERB
cjfa-18794	146	45	to	to	ADP
cjfa-18794	146	46	average	average	ADJ
cjfa-18794	146	47	wages	wage	NOUN
cjfa-18794	146	48	,	,	PUNCT
cjfa-18794	146	49	the	the	DET
cjfa-18794	146	50	rate	rate	NOUN
cjfa-18794	146	51	of	of	ADP
cjfa-18794	146	52	economic	economic	ADJ
cjfa-18794	146	53	growth	growth	NOUN
cjfa-18794	146	54	,	,	PUNCT
cjfa-18794	146	55	the	the	DET
cjfa-18794	146	56	share	share	NOUN
cjfa-18794	146	57	of	of	ADP
cjfa-18794	146	58	young	young	ADJ
cjfa-18794	146	59	and	and	CCONJ
cjfa-18794	146	60	middle	middle	ADJ
cjfa-18794	146	61	-	-	PUNCT
cjfa-18794	146	62	aged	aged	ADJ
cjfa-18794	146	63	population	population	NOUN
cjfa-18794	146	64	cohorts	cohort	NOUN
cjfa-18794	146	65	,	,	PUNCT
cjfa-18794	146	66	the	the	DET
cjfa-18794	146	67	share	share	NOUN
cjfa-18794	146	68	of	of	ADP
cjfa-18794	146	69	population	population	NOUN
cjfa-18794	146	70	with	with	ADP
cjfa-18794	146	71	tertiary	tertiary	ADJ
cjfa-18794	146	72	education	education	NOUN
cjfa-18794	146	73	attainment	attainment	NOUN
cjfa-18794	146	74	,	,	PUNCT
cjfa-18794	146	75	housing	housing	NOUN
cjfa-18794	146	76	prices	price	NOUN
cjfa-18794	146	77	,	,	PUNCT
cjfa-18794	146	78	wage	wage	NOUN
cjfa-18794	146	79	-	-	PUNCT
cjfa-18794	146	80	productivity	productivity	NOUN
cjfa-18794	146	81	gap	gap	NOUN
cjfa-18794	146	82	,	,	PUNCT
cjfa-18794	146	83	and	and	CCONJ
cjfa-18794	146	84	income	income	NOUN
cjfa-18794	146	85	inequality	inequality	NOUN
cjfa-18794	146	86	.	.	PUNCT
cjfa-18794	147	1	h2	h2	NOUN
cjfa-18794	147	2	:	:	PUNCT
cjfa-18794	147	3	the	the	DET
cjfa-18794	147	4	household	household	NOUN
cjfa-18794	147	5	dti	dti	PROPN
cjfa-18794	147	6	ratio	ratio	NOUN
cjfa-18794	147	7	in	in	ADP
cjfa-18794	147	8	the	the	DET
cjfa-18794	147	9	oecd	oecd	PROPN
cjfa-18794	147	10	countries	country	NOUN
cjfa-18794	147	11	in	in	ADP
cjfa-18794	147	12	the	the	DET
cjfa-18794	147	13	long	long	ADJ
cjfa-18794	147	14	run	run	NOUN
cjfa-18794	147	15	is	be	AUX
cjfa-18794	147	16	negatively	negatively	ADV
cjfa-18794	147	17	related	relate	VERB
cjfa-18794	147	18	to	to	ADP
cjfa-18794	147	19	interest	interest	NOUN
cjfa-18794	147	20	rate	rate	NOUN
cjfa-18794	147	21	and	and	CCONJ
cjfa-18794	147	22	unemployment	unemployment	NOUN
cjfa-18794	147	23	rate	rate	NOUN
cjfa-18794	147	24	.	.	PUNCT
cjfa-18794	148	1	given	give	VERB
cjfa-18794	148	2	a	a	DET
cjfa-18794	148	3	significant	significant	ADJ
cjfa-18794	148	4	cross	cross	ADJ
cjfa-18794	148	5	-	-	ADJ
cjfa-18794	148	6	sectional	sectional	ADJ
cjfa-18794	148	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	148	8	in	in	ADP
cjfa-18794	148	9	the	the	DET
cjfa-18794	148	10	examined	examine	VERB
cjfa-18794	148	11	sample	sample	NOUN
cjfa-18794	148	12	and	and	CCONJ
cjfa-18794	148	13	the	the	DET
cjfa-18794	148	14	results	result	NOUN
cjfa-18794	148	15	of	of	ADP
cjfa-18794	148	16	the	the	DET
cjfa-18794	148	17	hausman	hausman	PROPN
cjfa-18794	148	18	specification	specification	PROPN
cjfa-18794	148	19	test	test	NOUN
cjfa-18794	148	20	,	,	PUNCT
cjfa-18794	148	21	the	the	DET
cjfa-18794	148	22	investigation	investigation	NOUN
cjfa-18794	148	23	has	have	AUX
cjfa-18794	148	24	been	be	AUX
cjfa-18794	148	25	based	base	VERB
cjfa-18794	148	26	on	on	ADP
cjfa-18794	148	27	a	a	DET
cjfa-18794	148	28	fixed	fix	VERB
cjfa-18794	148	29	-	-	PUNCT
cjfa-18794	148	30	effect	effect	NOUN
cjfa-18794	148	31	panel	panel	NOUN
cjfa-18794	148	32	data	datum	NOUN
cjfa-18794	148	33	regression	regression	NOUN
cjfa-18794	148	34	analysis	analysis	NOUN
cjfa-18794	148	35	.	.	PUNCT
cjfa-18794	149	1	the	the	DET
cjfa-18794	149	2	choice	choice	NOUN
cjfa-18794	149	3	of	of	ADP
cjfa-18794	149	4	the	the	DET
cjfa-18794	149	5	explanatory	explanatory	ADJ
cjfa-18794	149	6	variables	variable	NOUN
cjfa-18794	149	7	employed	employ	VERB
cjfa-18794	149	8	in	in	ADP
cjfa-18794	149	9	the	the	DET
cjfa-18794	149	10	model	model	NOUN
cjfa-18794	149	11	is	be	AUX
cjfa-18794	149	12	largely	largely	ADV
cjfa-18794	149	13	determined	determine	VERB
cjfa-18794	149	14	by	by	ADP
cjfa-18794	149	15	the	the	DET
cjfa-18794	149	16	availability	availability	NOUN
cjfa-18794	149	17	of	of	ADP
cjfa-18794	149	18	data	datum	NOUN
cjfa-18794	149	19	and	and	CCONJ
cjfa-18794	149	20	the	the	DET
cjfa-18794	149	21	pursuance	pursuance	NOUN
cjfa-18794	149	22	of	of	ADP
cjfa-18794	149	23	obtaining	obtain	VERB
cjfa-18794	149	24	a	a	DET
cjfa-18794	149	25	possibly	possibly	ADV
cjfa-18794	149	26	most	most	ADV
cjfa-18794	149	27	complete	complete	ADJ
cjfa-18794	149	28	dataset	dataset	NOUN
cjfa-18794	149	29	.	.	PUNCT
cjfa-18794	150	1	the	the	DET
cjfa-18794	150	2	variables	variable	NOUN
cjfa-18794	150	3	exhibiting	exhibit	VERB
cjfa-18794	150	4	a	a	DET
cjfa-18794	150	5	significant	significant	ADJ
cjfa-18794	150	6	skewness	skewness	NOUN
cjfa-18794	150	7	of	of	ADP
cjfa-18794	150	8	the	the	DET
cjfa-18794	150	9	distribution	distribution	NOUN
cjfa-18794	150	10	have	have	AUX
cjfa-18794	150	11	been	be	AUX
cjfa-18794	150	12	log	log	NOUN
cjfa-18794	150	13	-	-	PUNCT
cjfa-18794	150	14	transformed	transform	VERB
cjfa-18794	150	15	,	,	PUNCT
cjfa-18794	150	16	yielding	yield	VERB
cjfa-18794	150	17	the	the	DET
cjfa-18794	150	18	following	follow	VERB
cjfa-18794	150	19	regression	regression	NOUN
cjfa-18794	150	20	model	model	NOUN
cjfa-18794	150	21	:	:	PUNCT
cjfa-18794	150	22	�	�	PROPN
cjfa-18794	150	23	�	�	PROPN
cjfa-18794	150	24	�	�	PROPN
cjfa-18794	150	25	�	�	PROPN
cjfa-18794	150	26	�	�	PROPN
cjfa-18794	150	27	�	�	PROPN
cjfa-18794	150	28	�	�	PROPN
cjfa-18794	150	29	�	�	PROPN
cjfa-18794	150	30	�	�	PROPN
cjfa-18794	150	31	�	�	PROPN
cjfa-18794	150	32	+	+	CCONJ
cjfa-18794	150	33	�	�	PROPN
cjfa-18794	150	34	�	�	PROPN
cjfa-18794	150	35	�	�	PROPN
cjfa-18794	150	36	�	�	PROPN
cjfa-18794	150	37	�	�	PROPN
cjfa-18794	150	38	�	�	PROPN
cjfa-18794	150	39	�	�	PROPN
cjfa-18794	150	40	�	�	PROPN
cjfa-18794	150	41	�	�	PROPN
cjfa-18794	150	42	+	+	SYM
cjfa-18794	150	43	�	�	PROPN
cjfa-18794	150	44	�	�	PROPN
cjfa-18794	150	45	�	�	PROPN
cjfa-18794	150	46	�	�	PROPN
cjfa-18794	150	47	�	�	PROPN
cjfa-18794	150	48	�	�	PROPN
cjfa-18794	150	49	�	�	PROPN
cjfa-18794	150	50	�	�	PROPN
cjfa-18794	150	51	�	�	PROPN
cjfa-18794	150	52	�	�	PROPN
cjfa-18794	150	53	�	�	PROPN
cjfa-18794	150	54	+	+	SYM
cjfa-18794	150	55	�	�	PROPN
cjfa-18794	150	56	�	�	PROPN
cjfa-18794	150	57	�	�	PROPN
cjfa-18794	150	58	�	�	PROPN
cjfa-18794	150	59	�	�	PROPN
cjfa-18794	150	60	�	�	PROPN
cjfa-18794	150	61	�	�	PROPN
cjfa-18794	150	62	+	+	SYM
cjfa-18794	150	63	�	�	PROPN
cjfa-18794	150	64	�	�	PROPN
cjfa-18794	150	65	�	�	PROPN
cjfa-18794	150	66	�	�	PROPN
cjfa-18794	150	67	�	�	PROPN
cjfa-18794	150	68	�	�	PROPN
cjfa-18794	150	69	�	�	PROPN
cjfa-18794	150	70	�	�	PROPN
cjfa-18794	150	71	�	�	PROPN
cjfa-18794	150	72	+	+	SYM
cjfa-18794	150	73	�	�	PROPN
cjfa-18794	150	74	�	�	PROPN
cjfa-18794	150	75	�	�	PROPN
cjfa-18794	150	76	�	�	PROPN
cjfa-18794	150	77	�	�	PROPN
cjfa-18794	150	78	�	�	PROPN
cjfa-18794	150	79	�	�	PROPN
cjfa-18794	150	80	�	�	PROPN
cjfa-18794	150	81	�	�	PROPN
cjfa-18794	150	82	�	�	PROPN
cjfa-18794	150	83	�	�	PROPN
cjfa-18794	150	84	�	�	PROPN
cjfa-18794	150	85	�	�	PROPN
cjfa-18794	150	86	�	�	PROPN
cjfa-18794	150	87	�	�	PROPN
cjfa-18794	150	88	+	+	SYM
cjfa-18794	150	89	�	�	PROPN
cjfa-18794	150	90	�	�	PROPN
cjfa-18794	150	91	�	�	PROPN
cjfa-18794	150	92	�	�	PROPN
cjfa-18794	150	93	�	�	PROPN
cjfa-18794	150	94	�	�	PROPN
cjfa-18794	150	95	�	�	PROPN
cjfa-18794	150	96	�	�	PROPN
cjfa-18794	150	97	+	+	PROPN
cjfa-18794	150	98	�	�	PROPN
cjfa-18794	150	99	�	�	PROPN
cjfa-18794	150	100	�	�	PROPN
cjfa-18794	150	101	�	�	PROPN
cjfa-18794	150	102	�	�	PROPN
cjfa-18794	150	103	�	�	PROPN
cjfa-18794	150	104	�	�	PROPN
cjfa-18794	150	105	�	�	PROPN
cjfa-18794	150	106	�	�	PROPN
cjfa-18794	150	107	+	+	PROPN
cjfa-18794	150	108	�	�	PROPN
cjfa-18794	150	109	�	�	PROPN
cjfa-18794	150	110	�	�	PROPN
cjfa-18794	150	111	�	�	PROPN
cjfa-18794	150	112	�	�	PROPN
cjfa-18794	150	113	�	�	PROPN
cjfa-18794	150	114	�	�	PROPN
cjfa-18794	150	115	�	�	PROPN
cjfa-18794	150	116	�	�	PROPN
cjfa-18794	150	117	�	�	PROPN
cjfa-18794	150	118	+	+	SYM
cjfa-18794	150	119	�	�	PROPN
cjfa-18794	150	120	�	�	PROPN
cjfa-18794	150	121	�	�	PROPN
cjfa-18794	150	122	�	�	PROPN
cjfa-18794	150	123	�	�	PROPN
cjfa-18794	150	124	�	�	PROPN
cjfa-18794	150	125	�	�	PROPN
cjfa-18794	150	126	�	�	PROPN
cjfa-18794	150	127	+	+	SYM
cjfa-18794	150	128	�	�	PROPN
cjfa-18794	150	129	�	�	PROPN
cjfa-18794	150	130	+	+	CCONJ
cjfa-18794	150	131	�	�	PROPN
cjfa-18794	150	132	�	�	PROPN
cjfa-18794	150	133	�	�	PROPN
cjfa-18794	151	1	where	where	SCONJ
cjfa-18794	151	2	:	:	PUNCT
cjfa-18794	151	3	‒	‒	X
cjfa-18794	151	4	�	�	PROPN
cjfa-18794	151	5	�	�	PROPN
cjfa-18794	151	6	�	�	PROPN
cjfa-18794	151	7	�	�	PROPN
cjfa-18794	151	8	�	�	PROPN
cjfa-18794	151	9	�	�	PROPN
cjfa-18794	151	10	�	�	PROPN
cjfa-18794	151	11	–	–	PUNCT
cjfa-18794	151	12	natural	natural	ADJ
cjfa-18794	151	13	log	log	NOUN
cjfa-18794	151	14	of	of	ADP
cjfa-18794	151	15	the	the	DET
cjfa-18794	151	16	total	total	ADJ
cjfa-18794	151	17	household	household	NOUN
cjfa-18794	151	18	debt	debt	NOUN
cjfa-18794	151	19	to	to	ADP
cjfa-18794	151	20	net	net	ADJ
cjfa-18794	151	21	disposable	disposable	ADJ
cjfa-18794	151	22	income	income	NOUN
cjfa-18794	151	23	,	,	PUNCT
cjfa-18794	151	24	‒	‒	X
cjfa-18794	151	25	�	�	PROPN
cjfa-18794	151	26	�	�	PROPN
cjfa-18794	151	27	�	�	PROPN
cjfa-18794	151	28	�	�	PROPN
cjfa-18794	151	29	�	�	PROPN
cjfa-18794	151	30	�	�	PROPN
cjfa-18794	151	31	–	–	PUNCT
cjfa-18794	151	32	natural	natural	ADJ
cjfa-18794	151	33	log	log	NOUN
cjfa-18794	151	34	of	of	ADP
cjfa-18794	151	35	the	the	DET
cjfa-18794	151	36	average	average	ADJ
cjfa-18794	151	37	annual	annual	ADJ
cjfa-18794	151	38	wage	wage	NOUN
cjfa-18794	151	39	(	(	PUNCT
cjfa-18794	151	40	constant	constant	ADJ
cjfa-18794	151	41	ppp	ppp	NOUN
cjfa-18794	151	42	)	)	PUNCT
cjfa-18794	151	43	,	,	PUNCT
cjfa-18794	151	44	‒	‒	X
cjfa-18794	151	45	�	�	PROPN
cjfa-18794	151	46	�	�	PROPN
cjfa-18794	151	47	�	�	PROPN
cjfa-18794	151	48	�	�	PROPN
cjfa-18794	151	49	�	�	PROPN
cjfa-18794	151	50	�	�	PROPN
cjfa-18794	151	51	�	�	PROPN
cjfa-18794	151	52	�	�	PROPN
cjfa-18794	151	53	–	–	PUNCT
cjfa-18794	151	54	natural	natural	ADJ
cjfa-18794	151	55	log	log	NOUN
cjfa-18794	151	56	of	of	ADP
cjfa-18794	151	57	the	the	DET
cjfa-18794	151	58	rate	rate	NOUN
cjfa-18794	151	59	of	of	ADP
cjfa-18794	151	60	growth	growth	NOUN
cjfa-18794	151	61	in	in	ADP
cjfa-18794	151	62	real	real	ADJ
cjfa-18794	151	63	gdp	gdp	NOUN
cjfa-18794	151	64	per	per	ADP
cjfa-18794	151	65	person	person	NOUN
cjfa-18794	151	66	(	(	PUNCT
cjfa-18794	151	67	constant	constant	ADJ
cjfa-18794	151	68	ppp	ppp	NOUN
cjfa-18794	151	69	)	)	PUNCT
cjfa-18794	151	70	,	,	PUNCT
cjfa-18794	151	71	‒	‒	X
cjfa-18794	151	72	�	�	PROPN
cjfa-18794	151	73	�	�	PROPN
cjfa-18794	151	74	�	�	PROPN
cjfa-18794	151	75	�	�	PROPN
cjfa-18794	151	76	–	–	PUNCT
cjfa-18794	151	77	short	short	ADJ
cjfa-18794	151	78	-	-	PUNCT
cjfa-18794	151	79	term	term	NOUN
cjfa-18794	151	80	interest	interest	NOUN
cjfa-18794	151	81	rate	rate	NOUN
cjfa-18794	151	82	,	,	PUNCT
cjfa-18794	151	83	‒	‒	X
cjfa-18794	151	84	�	�	PROPN
cjfa-18794	151	85	�	�	PROPN
cjfa-18794	151	86	�	�	PROPN
cjfa-18794	151	87	�	�	PROPN
cjfa-18794	151	88	�	�	PROPN
cjfa-18794	151	89	�	�	PROPN
cjfa-18794	151	90	–	–	PUNCT
cjfa-18794	151	91	natural	natural	ADJ
cjfa-18794	151	92	log	log	NOUN
cjfa-18794	151	93	of	of	ADP
cjfa-18794	151	94	the	the	DET
cjfa-18794	151	95	unemployment	unemployment	NOUN
cjfa-18794	151	96	rate	rate	NOUN
cjfa-18794	151	97	,	,	PUNCT
cjfa-18794	151	98	‒	‒	X
cjfa-18794	151	99	�	�	PROPN
cjfa-18794	151	100	�	�	PROPN
cjfa-18794	151	101	�	�	PROPN
cjfa-18794	151	102	�	�	PROPN
cjfa-18794	151	103	�	�	PROPN
cjfa-18794	151	104	�	�	PROPN
cjfa-18794	151	105	–	–	PUNCT
cjfa-18794	151	106	housing	housing	NOUN
cjfa-18794	151	107	rent	rent	NOUN
cjfa-18794	151	108	price	price	NOUN
cjfa-18794	151	109	index	index	NOUN
cjfa-18794	151	110	,	,	PUNCT
cjfa-18794	151	111	‒	‒	X
cjfa-18794	151	112	�	�	PROPN
cjfa-18794	151	113	�	�	PROPN
cjfa-18794	151	114	�	�	PROPN
cjfa-18794	151	115	�	�	PROPN
cjfa-18794	151	116	�	�	PROPN
cjfa-18794	151	117	�	�	PROPN
cjfa-18794	151	118	�	�	PROPN
cjfa-18794	151	119	�	�	PROPN
cjfa-18794	151	120	�	�	PROPN
cjfa-18794	151	121	�	�	PROPN
cjfa-18794	151	122	�	�	PROPN
cjfa-18794	151	123	�	�	PROPN
cjfa-18794	151	124	–	–	PUNCT
cjfa-18794	151	125	natural	natural	ADJ
cjfa-18794	151	126	log	log	NOUN
cjfa-18794	151	127	of	of	ADP
cjfa-18794	151	128	the	the	DET
cjfa-18794	151	129	share	share	NOUN
cjfa-18794	151	130	of	of	ADP
cjfa-18794	151	131	population	population	NOUN
cjfa-18794	151	132	aged	aged	ADJ
cjfa-18794	151	133	25–39	25–39	NUM
cjfa-18794	151	134	,	,	PUNCT
cjfa-18794	151	135	‒	‒	X
cjfa-18794	151	136	�	�	PROPN
cjfa-18794	151	137	�	�	PROPN
cjfa-18794	151	138	�	�	PROPN
cjfa-18794	151	139	�	�	PROPN
cjfa-18794	151	140	�	�	PROPN
cjfa-18794	151	141	–	–	PUNCT
cjfa-18794	151	142	the	the	DET
cjfa-18794	151	143	share	share	NOUN
cjfa-18794	151	144	of	of	ADP
cjfa-18794	151	145	population	population	NOUN
cjfa-18794	151	146	aged	age	VERB
cjfa-18794	151	147	25–64	25–64	NUM
cjfa-18794	151	148	with	with	ADP
cjfa-18794	151	149	tertiary	tertiary	ADJ
cjfa-18794	151	150	education	education	NOUN
cjfa-18794	151	151	attainment	attainment	NOUN
cjfa-18794	151	152	,	,	PUNCT
cjfa-18794	151	153	–	–	PUNCT
cjfa-18794	151	154	housing	housing	NOUN
cjfa-18794	151	155	rent	rent	NOUN
cjfa-18794	151	156	price	price	NOUN
cjfa-18794	151	157	index	index	NOUN
cjfa-18794	151	158	,	,	PUNCT
cjfa-18794	151	159	‒	‒	X
cjfa-18794	151	160	particular	particular	ADJ
cjfa-18794	151	161	,	,	PUNCT
cjfa-18794	151	162	the	the	DET
cjfa-18794	151	163	evidence	evidence	NOUN
cjfa-18794	151	164	based	base	VERB
cjfa-18794	151	165	on	on	ADP
cjfa-18794	151	166	both	both	CCONJ
cjfa-18794	151	167	broader	broad	ADJ
cjfa-18794	151	168	international	international	ADJ
cjfa-18794	151	169	data	datum	NOUN
cjfa-18794	151	170	and	and	CCONJ
cjfa-18794	151	171	a	a	DET
cjfa-18794	151	172	wide	wide	ADJ
cjfa-18794	151	173	set	set	NOUN
cjfa-18794	151	174	of	of	ADP
cjfa-18794	151	175	examined	examine	VERB
cjfa-18794	151	176	explanatory	explanatory	ADJ
cjfa-18794	151	177	variables	variable	NOUN
cjfa-18794	151	178	remains	remain	VERB
cjfa-18794	151	179	rather	rather	ADV
cjfa-18794	151	180	modest	modest	ADJ
cjfa-18794	151	181	.	.	PUNCT
cjfa-18794	152	1	the	the	DET
cjfa-18794	152	2	present	present	ADJ
cjfa-18794	152	3	study	study	NOUN
cjfa-18794	152	4	attempts	attempt	VERB
cjfa-18794	152	5	therefore	therefore	ADV
cjfa-18794	152	6	to	to	PART
cjfa-18794	152	7	contribute	contribute	VERB
cjfa-18794	152	8	to	to	ADP
cjfa-18794	152	9	the	the	DET
cjfa-18794	152	10	existing	exist	VERB
cjfa-18794	152	11	literature	literature	NOUN
cjfa-18794	152	12	by	by	ADP
cjfa-18794	152	13	filling	fill	VERB
cjfa-18794	152	14	this	this	DET
cjfa-18794	152	15	gap	gap	NOUN
cjfa-18794	152	16	.	.	PUNCT
cjfa-18794	153	1	the	the	DET
cjfa-18794	153	2	research	research	NOUN
cjfa-18794	153	3	methodology	methodology	NOUN
cjfa-18794	153	4	and	and	CCONJ
cjfa-18794	153	5	the	the	DET
cjfa-18794	153	6	course	course	NOUN
cjfa-18794	153	7	of	of	ADP
cjfa-18794	153	8	the	the	DET
cjfa-18794	153	9	research	research	NOUN
cjfa-18794	153	10	process	process	NOUN
cjfa-18794	153	11	the	the	DET
cjfa-18794	153	12	empirical	empirical	ADJ
cjfa-18794	153	13	evidence	evidence	NOUN
cjfa-18794	153	14	in	in	ADP
cjfa-18794	153	15	the	the	DET
cjfa-18794	153	16	relevant	relevant	ADJ
cjfa-18794	153	17	literature	literature	NOUN
cjfa-18794	153	18	allows	allow	VERB
cjfa-18794	153	19	to	to	PART
cjfa-18794	153	20	formulate	formulate	VERB
cjfa-18794	153	21	the	the	DET
cjfa-18794	153	22	following	follow	VERB
cjfa-18794	153	23	set	set	NOUN
cjfa-18794	153	24	of	of	ADP
cjfa-18794	153	25	research	research	NOUN
cjfa-18794	153	26	hypotheses	hypothesis	NOUN
cjfa-18794	153	27	:	:	PUNCT
cjfa-18794	153	28	h1	h1	NOUN
cjfa-18794	153	29	:	:	PUNCT
cjfa-18794	153	30	the	the	DET
cjfa-18794	153	31	household	household	NOUN
cjfa-18794	153	32	dti	dti	PROPN
cjfa-18794	153	33	ratio	ratio	NOUN
cjfa-18794	153	34	in	in	ADP
cjfa-18794	153	35	the	the	DET
cjfa-18794	153	36	oecd	oecd	PROPN
cjfa-18794	153	37	countries	country	NOUN
cjfa-18794	153	38	in	in	ADP
cjfa-18794	153	39	the	the	DET
cjfa-18794	153	40	long	long	ADJ
cjfa-18794	153	41	run	run	NOUN
cjfa-18794	153	42	is	be	AUX
cjfa-18794	153	43	positively	positively	ADV
cjfa-18794	153	44	related	relate	VERB
cjfa-18794	153	45	to	to	ADP
cjfa-18794	153	46	average	average	ADJ
cjfa-18794	153	47	wages	wage	NOUN
cjfa-18794	153	48	,	,	PUNCT
cjfa-18794	153	49	the	the	DET
cjfa-18794	153	50	rate	rate	NOUN
cjfa-18794	153	51	of	of	ADP
cjfa-18794	153	52	economic	economic	ADJ
cjfa-18794	153	53	growth	growth	NOUN
cjfa-18794	153	54	,	,	PUNCT
cjfa-18794	153	55	the	the	DET
cjfa-18794	153	56	share	share	NOUN
cjfa-18794	153	57	of	of	ADP
cjfa-18794	153	58	young	young	ADJ
cjfa-18794	153	59	and	and	CCONJ
cjfa-18794	153	60	middle	middle	ADJ
cjfa-18794	153	61	-	-	PUNCT
cjfa-18794	153	62	aged	aged	ADJ
cjfa-18794	153	63	population	population	NOUN
cjfa-18794	153	64	cohorts	cohort	NOUN
cjfa-18794	153	65	,	,	PUNCT
cjfa-18794	153	66	the	the	DET
cjfa-18794	153	67	share	share	NOUN
cjfa-18794	153	68	of	of	ADP
cjfa-18794	153	69	population	population	NOUN
cjfa-18794	153	70	with	with	ADP
cjfa-18794	153	71	tertiary	tertiary	ADJ
cjfa-18794	153	72	education	education	NOUN
cjfa-18794	153	73	attainment	attainment	NOUN
cjfa-18794	153	74	,	,	PUNCT
cjfa-18794	153	75	housing	housing	NOUN
cjfa-18794	153	76	prices	price	NOUN
cjfa-18794	153	77	,	,	PUNCT
cjfa-18794	153	78	wage	wage	NOUN
cjfa-18794	153	79	-	-	PUNCT
cjfa-18794	153	80	productivity	productivity	NOUN
cjfa-18794	153	81	gap	gap	NOUN
cjfa-18794	153	82	,	,	PUNCT
cjfa-18794	153	83	and	and	CCONJ
cjfa-18794	153	84	income	income	NOUN
cjfa-18794	153	85	inequality	inequality	NOUN
cjfa-18794	153	86	.	.	PUNCT
cjfa-18794	154	1	h2	h2	NOUN
cjfa-18794	154	2	:	:	PUNCT
cjfa-18794	154	3	the	the	DET
cjfa-18794	154	4	household	household	NOUN
cjfa-18794	154	5	dti	dti	PROPN
cjfa-18794	154	6	ratio	ratio	NOUN
cjfa-18794	154	7	in	in	ADP
cjfa-18794	154	8	the	the	DET
cjfa-18794	154	9	oecd	oecd	PROPN
cjfa-18794	154	10	countries	country	NOUN
cjfa-18794	154	11	in	in	ADP
cjfa-18794	154	12	the	the	DET
cjfa-18794	154	13	long	long	ADJ
cjfa-18794	154	14	run	run	NOUN
cjfa-18794	154	15	is	be	AUX
cjfa-18794	154	16	negatively	negatively	ADV
cjfa-18794	154	17	related	relate	VERB
cjfa-18794	154	18	to	to	ADP
cjfa-18794	154	19	interest	interest	NOUN
cjfa-18794	154	20	rate	rate	NOUN
cjfa-18794	154	21	and	and	CCONJ
cjfa-18794	154	22	unemployment	unemployment	NOUN
cjfa-18794	154	23	rate	rate	NOUN
cjfa-18794	154	24	.	.	PUNCT
cjfa-18794	155	1	given	give	VERB
cjfa-18794	155	2	a	a	DET
cjfa-18794	155	3	significant	significant	ADJ
cjfa-18794	155	4	cross	cross	ADJ
cjfa-18794	155	5	-	-	ADJ
cjfa-18794	155	6	sectional	sectional	ADJ
cjfa-18794	155	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	155	8	in	in	ADP
cjfa-18794	155	9	the	the	DET
cjfa-18794	155	10	examined	examine	VERB
cjfa-18794	155	11	sample	sample	NOUN
cjfa-18794	155	12	and	and	CCONJ
cjfa-18794	155	13	the	the	DET
cjfa-18794	155	14	results	result	NOUN
cjfa-18794	155	15	of	of	ADP
cjfa-18794	155	16	the	the	DET
cjfa-18794	155	17	hausman	hausman	PROPN
cjfa-18794	155	18	specification	specification	PROPN
cjfa-18794	155	19	test	test	NOUN
cjfa-18794	155	20	,	,	PUNCT
cjfa-18794	155	21	the	the	DET
cjfa-18794	155	22	investigation	investigation	NOUN
cjfa-18794	155	23	has	have	AUX
cjfa-18794	155	24	been	be	AUX
cjfa-18794	155	25	based	base	VERB
cjfa-18794	155	26	on	on	ADP
cjfa-18794	155	27	a	a	DET
cjfa-18794	155	28	fixed	fix	VERB
cjfa-18794	155	29	-	-	PUNCT
cjfa-18794	155	30	effect	effect	NOUN
cjfa-18794	155	31	panel	panel	NOUN
cjfa-18794	155	32	data	datum	NOUN
cjfa-18794	155	33	regression	regression	NOUN
cjfa-18794	155	34	analysis	analysis	NOUN
cjfa-18794	155	35	.	.	PUNCT
cjfa-18794	156	1	the	the	DET
cjfa-18794	156	2	choice	choice	NOUN
cjfa-18794	156	3	of	of	ADP
cjfa-18794	156	4	the	the	DET
cjfa-18794	156	5	explanatory	explanatory	ADJ
cjfa-18794	156	6	variables	variable	NOUN
cjfa-18794	156	7	employed	employ	VERB
cjfa-18794	156	8	in	in	ADP
cjfa-18794	156	9	the	the	DET
cjfa-18794	156	10	model	model	NOUN
cjfa-18794	156	11	is	be	AUX
cjfa-18794	156	12	largely	largely	ADV
cjfa-18794	156	13	determined	determine	VERB
cjfa-18794	156	14	by	by	ADP
cjfa-18794	156	15	the	the	DET
cjfa-18794	156	16	availability	availability	NOUN
cjfa-18794	156	17	of	of	ADP
cjfa-18794	156	18	data	datum	NOUN
cjfa-18794	156	19	and	and	CCONJ
cjfa-18794	156	20	the	the	DET
cjfa-18794	156	21	pursuance	pursuance	NOUN
cjfa-18794	156	22	of	of	ADP
cjfa-18794	156	23	obtaining	obtain	VERB
cjfa-18794	156	24	a	a	DET
cjfa-18794	156	25	possibly	possibly	ADV
cjfa-18794	156	26	most	most	ADV
cjfa-18794	156	27	complete	complete	ADJ
cjfa-18794	156	28	dataset	dataset	NOUN
cjfa-18794	156	29	.	.	PUNCT
cjfa-18794	157	1	the	the	DET
cjfa-18794	157	2	variables	variable	NOUN
cjfa-18794	157	3	exhibiting	exhibit	VERB
cjfa-18794	157	4	a	a	DET
cjfa-18794	157	5	significant	significant	ADJ
cjfa-18794	157	6	skewness	skewness	NOUN
cjfa-18794	157	7	of	of	ADP
cjfa-18794	157	8	the	the	DET
cjfa-18794	157	9	distribution	distribution	NOUN
cjfa-18794	157	10	have	have	AUX
cjfa-18794	157	11	been	be	AUX
cjfa-18794	157	12	log	log	NOUN
cjfa-18794	157	13	-	-	PUNCT
cjfa-18794	157	14	transformed	transform	VERB
cjfa-18794	157	15	,	,	PUNCT
cjfa-18794	157	16	yielding	yield	VERB
cjfa-18794	157	17	the	the	DET
cjfa-18794	157	18	following	follow	VERB
cjfa-18794	157	19	regression	regression	NOUN
cjfa-18794	157	20	model	model	NOUN
cjfa-18794	157	21	:	:	PUNCT
cjfa-18794	157	22	�	�	PROPN
cjfa-18794	157	23	�	�	PROPN
cjfa-18794	157	24	�	�	PROPN
cjfa-18794	157	25	�	�	PROPN
cjfa-18794	157	26	�	�	PROPN
cjfa-18794	157	27	�	�	PROPN
cjfa-18794	157	28	�	�	PROPN
cjfa-18794	157	29	�	�	PROPN
cjfa-18794	157	30	�	�	PROPN
cjfa-18794	157	31	�	�	PROPN
cjfa-18794	157	32	+	+	CCONJ
cjfa-18794	157	33	�	�	PROPN
cjfa-18794	157	34	�	�	PROPN
cjfa-18794	157	35	�	�	PROPN
cjfa-18794	157	36	�	�	PROPN
cjfa-18794	157	37	�	�	PROPN
cjfa-18794	157	38	�	�	PROPN
cjfa-18794	157	39	�	�	PROPN
cjfa-18794	157	40	�	�	PROPN
cjfa-18794	157	41	�	�	PROPN
cjfa-18794	157	42	+	+	SYM
cjfa-18794	157	43	�	�	PROPN
cjfa-18794	157	44	�	�	PROPN
cjfa-18794	157	45	�	�	PROPN
cjfa-18794	157	46	�	�	PROPN
cjfa-18794	157	47	�	�	PROPN
cjfa-18794	157	48	�	�	PROPN
cjfa-18794	157	49	�	�	PROPN
cjfa-18794	157	50	�	�	PROPN
cjfa-18794	157	51	�	�	PROPN
cjfa-18794	157	52	�	�	PROPN
cjfa-18794	157	53	�	�	PROPN
cjfa-18794	157	54	+	+	SYM
cjfa-18794	157	55	�	�	PROPN
cjfa-18794	157	56	�	�	PROPN
cjfa-18794	157	57	�	�	PROPN
cjfa-18794	157	58	�	�	PROPN
cjfa-18794	157	59	�	�	PROPN
cjfa-18794	157	60	�	�	PROPN
cjfa-18794	157	61	�	�	PROPN
cjfa-18794	157	62	+	+	SYM
cjfa-18794	157	63	�	�	PROPN
cjfa-18794	157	64	�	�	PROPN
cjfa-18794	157	65	�	�	PROPN
cjfa-18794	157	66	�	�	PROPN
cjfa-18794	157	67	�	�	PROPN
cjfa-18794	157	68	�	�	PROPN
cjfa-18794	157	69	�	�	PROPN
cjfa-18794	157	70	�	�	PROPN
cjfa-18794	157	71	�	�	PROPN
cjfa-18794	157	72	+	+	SYM
cjfa-18794	157	73	�	�	PROPN
cjfa-18794	157	74	�	�	PROPN
cjfa-18794	157	75	�	�	PROPN
cjfa-18794	157	76	�	�	PROPN
cjfa-18794	157	77	�	�	PROPN
cjfa-18794	157	78	�	�	PROPN
cjfa-18794	157	79	�	�	PROPN
cjfa-18794	157	80	�	�	PROPN
cjfa-18794	157	81	�	�	PROPN
cjfa-18794	157	82	�	�	PROPN
cjfa-18794	157	83	�	�	PROPN
cjfa-18794	157	84	�	�	PROPN
cjfa-18794	157	85	�	�	PROPN
cjfa-18794	157	86	�	�	PROPN
cjfa-18794	157	87	�	�	PROPN
cjfa-18794	157	88	+	+	SYM
cjfa-18794	157	89	�	�	PROPN
cjfa-18794	157	90	�	�	PROPN
cjfa-18794	157	91	�	�	PROPN
cjfa-18794	157	92	�	�	PROPN
cjfa-18794	157	93	�	�	PROPN
cjfa-18794	157	94	�	�	PROPN
cjfa-18794	157	95	�	�	PROPN
cjfa-18794	157	96	�	�	PROPN
cjfa-18794	157	97	+	+	PROPN
cjfa-18794	157	98	�	�	PROPN
cjfa-18794	157	99	�	�	PROPN
cjfa-18794	157	100	�	�	PROPN
cjfa-18794	157	101	�	�	PROPN
cjfa-18794	157	102	�	�	PROPN
cjfa-18794	157	103	�	�	PROPN
cjfa-18794	157	104	�	�	PROPN
cjfa-18794	157	105	�	�	PROPN
cjfa-18794	157	106	�	�	PROPN
cjfa-18794	157	107	+	+	PROPN
cjfa-18794	157	108	�	�	PROPN
cjfa-18794	157	109	�	�	PROPN
cjfa-18794	157	110	�	�	PROPN
cjfa-18794	157	111	�	�	PROPN
cjfa-18794	157	112	�	�	PROPN
cjfa-18794	157	113	�	�	PROPN
cjfa-18794	157	114	�	�	PROPN
cjfa-18794	157	115	�	�	PROPN
cjfa-18794	157	116	�	�	PROPN
cjfa-18794	157	117	�	�	PROPN
cjfa-18794	157	118	+	+	SYM
cjfa-18794	157	119	�	�	PROPN
cjfa-18794	157	120	�	�	PROPN
cjfa-18794	157	121	�	�	PROPN
cjfa-18794	157	122	�	�	PROPN
cjfa-18794	157	123	�	�	PROPN
cjfa-18794	157	124	�	�	PROPN
cjfa-18794	157	125	�	�	PROPN
cjfa-18794	157	126	�	�	PROPN
cjfa-18794	157	127	+	+	SYM
cjfa-18794	157	128	�	�	PROPN
cjfa-18794	157	129	�	�	PROPN
cjfa-18794	157	130	+	+	CCONJ
cjfa-18794	157	131	�	�	PROPN
cjfa-18794	157	132	�	�	PROPN
cjfa-18794	157	133	�	�	PROPN
cjfa-18794	158	1	where	where	SCONJ
cjfa-18794	158	2	:	:	PUNCT
cjfa-18794	158	3	‒	‒	X
cjfa-18794	158	4	�	�	PROPN
cjfa-18794	158	5	�	�	PROPN
cjfa-18794	158	6	�	�	PROPN
cjfa-18794	158	7	�	�	PROPN
cjfa-18794	158	8	�	�	PROPN
cjfa-18794	158	9	�	�	PROPN
cjfa-18794	158	10	�	�	PROPN
cjfa-18794	158	11	–	–	PUNCT
cjfa-18794	158	12	natural	natural	ADJ
cjfa-18794	158	13	log	log	NOUN
cjfa-18794	158	14	of	of	ADP
cjfa-18794	158	15	the	the	DET
cjfa-18794	158	16	total	total	ADJ
cjfa-18794	158	17	household	household	NOUN
cjfa-18794	158	18	debt	debt	NOUN
cjfa-18794	158	19	to	to	ADP
cjfa-18794	158	20	net	net	ADJ
cjfa-18794	158	21	disposable	disposable	ADJ
cjfa-18794	158	22	income	income	NOUN
cjfa-18794	158	23	,	,	PUNCT
cjfa-18794	158	24	‒	‒	X
cjfa-18794	158	25	�	�	PROPN
cjfa-18794	158	26	�	�	PROPN
cjfa-18794	158	27	�	�	PROPN
cjfa-18794	158	28	�	�	PROPN
cjfa-18794	158	29	�	�	PROPN
cjfa-18794	158	30	�	�	PROPN
cjfa-18794	158	31	–	–	PUNCT
cjfa-18794	158	32	natural	natural	ADJ
cjfa-18794	158	33	log	log	NOUN
cjfa-18794	158	34	of	of	ADP
cjfa-18794	158	35	the	the	DET
cjfa-18794	158	36	average	average	ADJ
cjfa-18794	158	37	annual	annual	ADJ
cjfa-18794	158	38	wage	wage	NOUN
cjfa-18794	158	39	(	(	PUNCT
cjfa-18794	158	40	constant	constant	ADJ
cjfa-18794	158	41	ppp	ppp	NOUN
cjfa-18794	158	42	)	)	PUNCT
cjfa-18794	158	43	,	,	PUNCT
cjfa-18794	158	44	‒	‒	X
cjfa-18794	158	45	�	�	PROPN
cjfa-18794	158	46	�	�	PROPN
cjfa-18794	158	47	�	�	PROPN
cjfa-18794	158	48	�	�	PROPN
cjfa-18794	158	49	�	�	PROPN
cjfa-18794	158	50	�	�	PROPN
cjfa-18794	158	51	�	�	PROPN
cjfa-18794	158	52	�	�	PROPN
cjfa-18794	158	53	–	–	PUNCT
cjfa-18794	158	54	natural	natural	ADJ
cjfa-18794	158	55	log	log	NOUN
cjfa-18794	158	56	of	of	ADP
cjfa-18794	158	57	the	the	DET
cjfa-18794	158	58	rate	rate	NOUN
cjfa-18794	158	59	of	of	ADP
cjfa-18794	158	60	growth	growth	NOUN
cjfa-18794	158	61	in	in	ADP
cjfa-18794	158	62	real	real	ADJ
cjfa-18794	158	63	gdp	gdp	NOUN
cjfa-18794	158	64	per	per	ADP
cjfa-18794	158	65	person	person	NOUN
cjfa-18794	158	66	(	(	PUNCT
cjfa-18794	158	67	constant	constant	ADJ
cjfa-18794	158	68	ppp	ppp	NOUN
cjfa-18794	158	69	)	)	PUNCT
cjfa-18794	158	70	,	,	PUNCT
cjfa-18794	158	71	‒	‒	X
cjfa-18794	158	72	�	�	PROPN
cjfa-18794	158	73	�	�	PROPN
cjfa-18794	158	74	�	�	PROPN
cjfa-18794	158	75	�	�	PROPN
cjfa-18794	158	76	–	–	PUNCT
cjfa-18794	158	77	short	short	ADJ
cjfa-18794	158	78	-	-	PUNCT
cjfa-18794	158	79	term	term	NOUN
cjfa-18794	158	80	interest	interest	NOUN
cjfa-18794	158	81	rate	rate	NOUN
cjfa-18794	158	82	,	,	PUNCT
cjfa-18794	158	83	‒	‒	X
cjfa-18794	158	84	�	�	PROPN
cjfa-18794	158	85	�	�	PROPN
cjfa-18794	158	86	�	�	PROPN
cjfa-18794	158	87	�	�	PROPN
cjfa-18794	158	88	�	�	PROPN
cjfa-18794	158	89	�	�	PROPN
cjfa-18794	158	90	–	–	PUNCT
cjfa-18794	158	91	natural	natural	ADJ
cjfa-18794	158	92	log	log	NOUN
cjfa-18794	158	93	of	of	ADP
cjfa-18794	158	94	the	the	DET
cjfa-18794	158	95	unemployment	unemployment	NOUN
cjfa-18794	158	96	rate	rate	NOUN
cjfa-18794	158	97	,	,	PUNCT
cjfa-18794	158	98	‒	‒	X
cjfa-18794	158	99	�	�	PROPN
cjfa-18794	158	100	�	�	PROPN
cjfa-18794	158	101	�	�	PROPN
cjfa-18794	158	102	�	�	PROPN
cjfa-18794	158	103	�	�	PROPN
cjfa-18794	158	104	�	�	PROPN
cjfa-18794	158	105	–	–	PUNCT
cjfa-18794	158	106	housing	housing	NOUN
cjfa-18794	158	107	rent	rent	NOUN
cjfa-18794	158	108	price	price	NOUN
cjfa-18794	158	109	index	index	NOUN
cjfa-18794	158	110	,	,	PUNCT
cjfa-18794	158	111	‒	‒	X
cjfa-18794	158	112	�	�	PROPN
cjfa-18794	158	113	�	�	PROPN
cjfa-18794	158	114	�	�	PROPN
cjfa-18794	158	115	�	�	PROPN
cjfa-18794	158	116	�	�	PROPN
cjfa-18794	158	117	�	�	PROPN
cjfa-18794	158	118	�	�	PROPN
cjfa-18794	158	119	�	�	PROPN
cjfa-18794	158	120	�	�	PROPN
cjfa-18794	158	121	�	�	PROPN
cjfa-18794	158	122	�	�	PROPN
cjfa-18794	158	123	�	�	PROPN
cjfa-18794	158	124	–	–	PUNCT
cjfa-18794	158	125	natural	natural	ADJ
cjfa-18794	158	126	log	log	NOUN
cjfa-18794	158	127	of	of	ADP
cjfa-18794	158	128	the	the	DET
cjfa-18794	158	129	share	share	NOUN
cjfa-18794	158	130	of	of	ADP
cjfa-18794	158	131	population	population	NOUN
cjfa-18794	158	132	aged	aged	ADJ
cjfa-18794	158	133	25–39	25–39	NUM
cjfa-18794	158	134	,	,	PUNCT
cjfa-18794	158	135	‒	‒	X
cjfa-18794	158	136	�	�	PROPN
cjfa-18794	158	137	�	�	PROPN
cjfa-18794	158	138	�	�	PROPN
cjfa-18794	158	139	�	�	PROPN
cjfa-18794	158	140	�	�	PROPN
cjfa-18794	158	141	–	–	PUNCT
cjfa-18794	158	142	the	the	DET
cjfa-18794	158	143	share	share	NOUN
cjfa-18794	158	144	of	of	ADP
cjfa-18794	158	145	population	population	NOUN
cjfa-18794	158	146	aged	age	VERB
cjfa-18794	158	147	25–64	25–64	NUM
cjfa-18794	158	148	with	with	ADP
cjfa-18794	158	149	tertiary	tertiary	ADJ
cjfa-18794	158	150	education	education	NOUN
cjfa-18794	158	151	attainment	attainment	NOUN
cjfa-18794	158	152	,	,	PUNCT
cjfa-18794	158	153	–	–	PUNCT
cjfa-18794	158	154	natural	natural	ADJ
cjfa-18794	158	155	log	log	NOUN
cjfa-18794	158	156	of	of	ADP
cjfa-18794	158	157	the	the	DET
cjfa-18794	158	158	share	share	NOUN
cjfa-18794	158	159	of	of	ADP
cjfa-18794	158	160	population	population	NOUN
cjfa-18794	158	161	aged	aged	ADJ
cjfa-18794	158	162	25–39	25–39	NUM
cjfa-18794	158	163	,	,	PUNCT
cjfa-18794	158	164	‒	‒	X
cjfa-18794	158	165	particular	particular	ADJ
cjfa-18794	158	166	,	,	PUNCT
cjfa-18794	158	167	the	the	DET
cjfa-18794	158	168	evidence	evidence	NOUN
cjfa-18794	158	169	based	base	VERB
cjfa-18794	158	170	on	on	ADP
cjfa-18794	158	171	both	both	CCONJ
cjfa-18794	158	172	broader	broad	ADJ
cjfa-18794	158	173	international	international	ADJ
cjfa-18794	158	174	data	datum	NOUN
cjfa-18794	158	175	and	and	CCONJ
cjfa-18794	158	176	a	a	DET
cjfa-18794	158	177	wide	wide	ADJ
cjfa-18794	158	178	set	set	NOUN
cjfa-18794	158	179	of	of	ADP
cjfa-18794	158	180	examined	examine	VERB
cjfa-18794	158	181	explanatory	explanatory	ADJ
cjfa-18794	158	182	variables	variable	NOUN
cjfa-18794	158	183	remains	remain	VERB
cjfa-18794	158	184	rather	rather	ADV
cjfa-18794	158	185	modest	modest	ADJ
cjfa-18794	158	186	.	.	PUNCT
cjfa-18794	159	1	the	the	DET
cjfa-18794	159	2	present	present	ADJ
cjfa-18794	159	3	study	study	NOUN
cjfa-18794	159	4	attempts	attempt	VERB
cjfa-18794	159	5	therefore	therefore	ADV
cjfa-18794	159	6	to	to	PART
cjfa-18794	159	7	contribute	contribute	VERB
cjfa-18794	159	8	to	to	ADP
cjfa-18794	159	9	the	the	DET
cjfa-18794	159	10	existing	exist	VERB
cjfa-18794	159	11	literature	literature	NOUN
cjfa-18794	159	12	by	by	ADP
cjfa-18794	159	13	filling	fill	VERB
cjfa-18794	159	14	this	this	DET
cjfa-18794	159	15	gap	gap	NOUN
cjfa-18794	159	16	.	.	PUNCT
cjfa-18794	160	1	the	the	DET
cjfa-18794	160	2	research	research	NOUN
cjfa-18794	160	3	methodology	methodology	NOUN
cjfa-18794	160	4	and	and	CCONJ
cjfa-18794	160	5	the	the	DET
cjfa-18794	160	6	course	course	NOUN
cjfa-18794	160	7	of	of	ADP
cjfa-18794	160	8	the	the	DET
cjfa-18794	160	9	research	research	NOUN
cjfa-18794	160	10	process	process	NOUN
cjfa-18794	160	11	the	the	DET
cjfa-18794	160	12	empirical	empirical	ADJ
cjfa-18794	160	13	evidence	evidence	NOUN
cjfa-18794	160	14	in	in	ADP
cjfa-18794	160	15	the	the	DET
cjfa-18794	160	16	relevant	relevant	ADJ
cjfa-18794	160	17	literature	literature	NOUN
cjfa-18794	160	18	allows	allow	VERB
cjfa-18794	160	19	to	to	PART
cjfa-18794	160	20	formulate	formulate	VERB
cjfa-18794	160	21	the	the	DET
cjfa-18794	160	22	following	follow	VERB
cjfa-18794	160	23	set	set	NOUN
cjfa-18794	160	24	of	of	ADP
cjfa-18794	160	25	research	research	NOUN
cjfa-18794	160	26	hypotheses	hypothesis	NOUN
cjfa-18794	160	27	:	:	PUNCT
cjfa-18794	160	28	h1	h1	NOUN
cjfa-18794	160	29	:	:	PUNCT
cjfa-18794	160	30	the	the	DET
cjfa-18794	160	31	household	household	NOUN
cjfa-18794	160	32	dti	dti	PROPN
cjfa-18794	160	33	ratio	ratio	NOUN
cjfa-18794	160	34	in	in	ADP
cjfa-18794	160	35	the	the	DET
cjfa-18794	160	36	oecd	oecd	PROPN
cjfa-18794	160	37	countries	country	NOUN
cjfa-18794	160	38	in	in	ADP
cjfa-18794	160	39	the	the	DET
cjfa-18794	160	40	long	long	ADJ
cjfa-18794	160	41	run	run	NOUN
cjfa-18794	160	42	is	be	AUX
cjfa-18794	160	43	positively	positively	ADV
cjfa-18794	160	44	related	relate	VERB
cjfa-18794	160	45	to	to	ADP
cjfa-18794	160	46	average	average	ADJ
cjfa-18794	160	47	wages	wage	NOUN
cjfa-18794	160	48	,	,	PUNCT
cjfa-18794	160	49	the	the	DET
cjfa-18794	160	50	rate	rate	NOUN
cjfa-18794	160	51	of	of	ADP
cjfa-18794	160	52	economic	economic	ADJ
cjfa-18794	160	53	growth	growth	NOUN
cjfa-18794	160	54	,	,	PUNCT
cjfa-18794	160	55	the	the	DET
cjfa-18794	160	56	share	share	NOUN
cjfa-18794	160	57	of	of	ADP
cjfa-18794	160	58	young	young	ADJ
cjfa-18794	160	59	and	and	CCONJ
cjfa-18794	160	60	middle	middle	ADJ
cjfa-18794	160	61	-	-	PUNCT
cjfa-18794	160	62	aged	aged	ADJ
cjfa-18794	160	63	population	population	NOUN
cjfa-18794	160	64	cohorts	cohort	NOUN
cjfa-18794	160	65	,	,	PUNCT
cjfa-18794	160	66	the	the	DET
cjfa-18794	160	67	share	share	NOUN
cjfa-18794	160	68	of	of	ADP
cjfa-18794	160	69	population	population	NOUN
cjfa-18794	160	70	with	with	ADP
cjfa-18794	160	71	tertiary	tertiary	ADJ
cjfa-18794	160	72	education	education	NOUN
cjfa-18794	160	73	attainment	attainment	NOUN
cjfa-18794	160	74	,	,	PUNCT
cjfa-18794	160	75	housing	housing	NOUN
cjfa-18794	160	76	prices	price	NOUN
cjfa-18794	160	77	,	,	PUNCT
cjfa-18794	160	78	wage	wage	NOUN
cjfa-18794	160	79	-	-	PUNCT
cjfa-18794	160	80	productivity	productivity	NOUN
cjfa-18794	160	81	gap	gap	NOUN
cjfa-18794	160	82	,	,	PUNCT
cjfa-18794	160	83	and	and	CCONJ
cjfa-18794	160	84	income	income	NOUN
cjfa-18794	160	85	inequality	inequality	NOUN
cjfa-18794	160	86	.	.	PUNCT
cjfa-18794	161	1	h2	h2	NOUN
cjfa-18794	161	2	:	:	PUNCT
cjfa-18794	161	3	the	the	DET
cjfa-18794	161	4	household	household	NOUN
cjfa-18794	161	5	dti	dti	PROPN
cjfa-18794	161	6	ratio	ratio	NOUN
cjfa-18794	161	7	in	in	ADP
cjfa-18794	161	8	the	the	DET
cjfa-18794	161	9	oecd	oecd	PROPN
cjfa-18794	161	10	countries	country	NOUN
cjfa-18794	161	11	in	in	ADP
cjfa-18794	161	12	the	the	DET
cjfa-18794	161	13	long	long	ADJ
cjfa-18794	161	14	run	run	NOUN
cjfa-18794	161	15	is	be	AUX
cjfa-18794	161	16	negatively	negatively	ADV
cjfa-18794	161	17	related	relate	VERB
cjfa-18794	161	18	to	to	ADP
cjfa-18794	161	19	interest	interest	NOUN
cjfa-18794	161	20	rate	rate	NOUN
cjfa-18794	161	21	and	and	CCONJ
cjfa-18794	161	22	unemployment	unemployment	NOUN
cjfa-18794	161	23	rate	rate	NOUN
cjfa-18794	161	24	.	.	PUNCT
cjfa-18794	162	1	given	give	VERB
cjfa-18794	162	2	a	a	DET
cjfa-18794	162	3	significant	significant	ADJ
cjfa-18794	162	4	cross	cross	ADJ
cjfa-18794	162	5	-	-	ADJ
cjfa-18794	162	6	sectional	sectional	ADJ
cjfa-18794	162	7	heterogeneity	heterogeneity	NOUN
cjfa-18794	162	8	in	in	ADP
cjfa-18794	162	9	the	the	DET
cjfa-18794	162	10	examined	examine	VERB
cjfa-18794	162	11	sample	sample	NOUN
cjfa-18794	162	12	and	and	CCONJ
cjfa-18794	162	13	the	the	DET
cjfa-18794	162	14	results	result	NOUN
cjfa-18794	162	15	of	of	ADP
cjfa-18794	162	16	the	the	DET
cjfa-18794	162	17	hausman	hausman	PROPN
cjfa-18794	162	18	specification	specification	PROPN
cjfa-18794	162	19	test	test	NOUN
cjfa-18794	162	20	,	,	PUNCT
cjfa-18794	162	21	the	the	DET
cjfa-18794	162	22	investigation	investigation	NOUN
cjfa-18794	162	23	has	have	AUX
cjfa-18794	162	24	been	be	AUX
cjfa-18794	162	25	based	base	VERB
cjfa-18794	162	26	on	on	ADP
cjfa-18794	162	27	a	a	DET
cjfa-18794	162	28	fixed	fix	VERB
cjfa-18794	162	29	-	-	PUNCT
cjfa-18794	162	30	effect	effect	NOUN
cjfa-18794	162	31	panel	panel	NOUN
cjfa-18794	162	32	data	datum	NOUN
cjfa-18794	162	33	regression	regression	NOUN
cjfa-18794	162	34	analysis	analysis	NOUN
cjfa-18794	162	35	.	.	PUNCT
cjfa-18794	163	1	the	the	DET
cjfa-18794	163	2	choice	choice	NOUN
cjfa-18794	163	3	of	of	ADP
cjfa-18794	163	4	the	the	DET
cjfa-18794	163	5	explanatory	explanatory	ADJ
cjfa-18794	163	6	variables	variable	NOUN
cjfa-18794	163	7	employed	employ	VERB
cjfa-18794	163	8	in	in	ADP
cjfa-18794	163	9	the	the	DET
cjfa-18794	163	10	model	model	NOUN
cjfa-18794	163	11	is	be	AUX
cjfa-18794	163	12	largely	largely	ADV
cjfa-18794	163	13	determined	determine	VERB
cjfa-18794	163	14	by	by	ADP
cjfa-18794	163	15	the	the	DET
cjfa-18794	163	16	availability	availability	NOUN
cjfa-18794	163	17	of	of	ADP
cjfa-18794	163	18	data	datum	NOUN
cjfa-18794	163	19	and	and	CCONJ
cjfa-18794	163	20	the	the	DET
cjfa-18794	163	21	pursuance	pursuance	NOUN
cjfa-18794	163	22	of	of	ADP
cjfa-18794	163	23	obtaining	obtain	VERB
cjfa-18794	163	24	a	a	DET
cjfa-18794	163	25	possibly	possibly	ADV
cjfa-18794	163	26	most	most	ADV
cjfa-18794	163	27	complete	complete	ADJ
cjfa-18794	163	28	dataset	dataset	NOUN
cjfa-18794	163	29	.	.	PUNCT
cjfa-18794	164	1	the	the	DET
cjfa-18794	164	2	variables	variable	NOUN
cjfa-18794	164	3	exhibiting	exhibit	VERB
cjfa-18794	164	4	a	a	DET
cjfa-18794	164	5	significant	significant	ADJ
cjfa-18794	164	6	skewness	skewness	NOUN
cjfa-18794	164	7	of	of	ADP
cjfa-18794	164	8	the	the	DET
cjfa-18794	164	9	distribution	distribution	NOUN
cjfa-18794	164	10	have	have	AUX
cjfa-18794	164	11	been	be	AUX
cjfa-18794	164	12	log	log	NOUN
cjfa-18794	164	13	-	-	PUNCT
cjfa-18794	164	14	transformed	transform	VERB
cjfa-18794	164	15	,	,	PUNCT
cjfa-18794	164	16	yielding	yield	VERB
cjfa-18794	164	17	the	the	DET
cjfa-18794	164	18	following	follow	VERB
cjfa-18794	164	19	regression	regression	NOUN
cjfa-18794	164	20	model	model	NOUN
cjfa-18794	164	21	:	:	PUNCT
cjfa-18794	164	22	�	�	PROPN
cjfa-18794	164	23	�	�	PROPN
cjfa-18794	164	24	�	�	PROPN
cjfa-18794	164	25	�	�	PROPN
cjfa-18794	164	26	�	�	PROPN
cjfa-18794	164	27	�	�	PROPN
cjfa-18794	164	28	�	�	PROPN
cjfa-18794	164	29	�	�	PROPN
cjfa-18794	164	30	�	�	PROPN
cjfa-18794	164	31	�	�	PROPN
cjfa-18794	164	32	+	+	CCONJ
cjfa-18794	164	33	�	�	PROPN
cjfa-18794	164	34	�	�	PROPN
cjfa-18794	164	35	�	�	PROPN
cjfa-18794	164	36	�	�	PROPN
cjfa-18794	164	37	�	�	PROPN
cjfa-18794	164	38	�	�	PROPN
cjfa-18794	164	39	�	�	PROPN
cjfa-18794	164	40	�	�	PROPN
cjfa-18794	164	41	�	�	PROPN
cjfa-18794	164	42	+	+	SYM
cjfa-18794	164	43	�	�	PROPN
cjfa-18794	164	44	�	�	PROPN
cjfa-18794	164	45	�	�	PROPN
cjfa-18794	164	46	�	�	PROPN
cjfa-18794	164	47	�	�	PROPN
cjfa-18794	164	48	�	�	PROPN
cjfa-18794	164	49	�	�	PROPN
cjfa-18794	164	50	�	�	PROPN
cjfa-18794	164	51	�	�	PROPN
cjfa-18794	164	52	�	�	PROPN
cjfa-18794	164	53	�	�	PROPN
cjfa-18794	164	54	+	+	SYM
cjfa-18794	164	55	�	�	PROPN
cjfa-18794	164	56	�	�	PROPN
cjfa-18794	164	57	�	�	PROPN
cjfa-18794	164	58	�	�	PROPN
cjfa-18794	164	59	�	�	PROPN
cjfa-18794	164	60	�	�	PROPN
cjfa-18794	164	61	�	�	PROPN
cjfa-18794	164	62	+	+	SYM
cjfa-18794	164	63	�	�	PROPN
cjfa-18794	164	64	�	�	PROPN
cjfa-18794	164	65	�	�	PROPN
cjfa-18794	164	66	�	�	PROPN
cjfa-18794	164	67	�	�	PROPN
cjfa-18794	164	68	�	�	PROPN
cjfa-18794	164	69	�	�	PROPN
cjfa-18794	164	70	�	�	PROPN
cjfa-18794	164	71	�	�	PROPN
cjfa-18794	164	72	+	+	SYM
cjfa-18794	164	73	�	�	PROPN
cjfa-18794	164	74	�	�	PROPN
cjfa-18794	164	75	�	�	PROPN
cjfa-18794	164	76	�	�	PROPN
cjfa-18794	164	77	�	�	PROPN
cjfa-18794	164	78	�	�	PROPN
cjfa-18794	164	79	�	�	PROPN
cjfa-18794	164	80	�	�	PROPN
cjfa-18794	164	81	�	�	PROPN
cjfa-18794	164	82	�	�	PROPN
cjfa-18794	164	83	�	�	PROPN
cjfa-18794	164	84	�	�	PROPN
cjfa-18794	164	85	�	�	PROPN
cjfa-18794	164	86	�	�	PROPN
cjfa-18794	164	87	�	�	PROPN
cjfa-18794	164	88	+	+	SYM
cjfa-18794	164	89	�	�	PROPN
cjfa-18794	164	90	�	�	PROPN
cjfa-18794	164	91	�	�	PROPN
cjfa-18794	164	92	�	�	PROPN
cjfa-18794	164	93	�	�	PROPN
cjfa-18794	164	94	�	�	PROPN
cjfa-18794	164	95	�	�	PROPN
cjfa-18794	164	96	�	�	PROPN
cjfa-18794	164	97	+	+	PROPN
cjfa-18794	164	98	�	�	PROPN
cjfa-18794	164	99	�	�	PROPN
cjfa-18794	164	100	�	�	PROPN
cjfa-18794	164	101	�	�	PROPN
cjfa-18794	164	102	�	�	PROPN
cjfa-18794	164	103	�	�	PROPN
cjfa-18794	164	104	�	�	PROPN
cjfa-18794	164	105	�	�	PROPN
cjfa-18794	164	106	�	�	PROPN
cjfa-18794	164	107	+	+	PROPN
cjfa-18794	164	108	�	�	PROPN
cjfa-18794	164	109	�	�	PROPN
cjfa-18794	164	110	�	�	PROPN
cjfa-18794	164	111	�	�	PROPN
cjfa-18794	164	112	�	�	PROPN
cjfa-18794	164	113	�	�	PROPN
cjfa-18794	164	114	�	�	PROPN
cjfa-18794	164	115	�	�	PROPN
cjfa-18794	164	116	�	�	PROPN
cjfa-18794	164	117	�	�	PROPN
cjfa-18794	164	118	+	+	SYM
cjfa-18794	164	119	�	�	PROPN
cjfa-18794	164	120	�	�	PROPN
cjfa-18794	164	121	�	�	PROPN
cjfa-18794	164	122	�	�	PROPN
cjfa-18794	164	123	�	�	PROPN
cjfa-18794	164	124	�	�	PROPN
cjfa-18794	164	125	�	�	PROPN
cjfa-18794	164	126	�	�	PROPN
cjfa-18794	164	127	+	+	SYM
cjfa-18794	164	128	�	�	PROPN
cjfa-18794	164	129	�	�	PROPN
cjfa-18794	164	130	+	+	CCONJ
cjfa-18794	164	131	�	�	PROPN
cjfa-18794	164	132	�	�	PROPN
cjfa-18794	164	133	�	�	PROPN
cjfa-18794	165	1	where	where	SCONJ
cjfa-18794	165	2	:	:	PUNCT
cjfa-18794	165	3	‒	‒	X
cjfa-18794	165	4	�	�	PROPN
cjfa-18794	165	5	�	�	PROPN
cjfa-18794	165	6	�	�	PROPN
cjfa-18794	165	7	�	�	PROPN
cjfa-18794	165	8	�	�	PROPN
cjfa-18794	165	9	�	�	PROPN
cjfa-18794	165	10	�	�	PROPN
cjfa-18794	165	11	–	–	PUNCT
cjfa-18794	165	12	natural	natural	ADJ
cjfa-18794	165	13	log	log	NOUN
cjfa-18794	165	14	of	of	ADP
cjfa-18794	165	15	the	the	DET
cjfa-18794	165	16	total	total	ADJ
cjfa-18794	165	17	household	household	NOUN
cjfa-18794	165	18	debt	debt	NOUN
cjfa-18794	165	19	to	to	ADP
cjfa-18794	165	20	net	net	ADJ
cjfa-18794	165	21	disposable	disposable	ADJ
cjfa-18794	165	22	income	income	NOUN
cjfa-18794	165	23	,	,	PUNCT
cjfa-18794	165	24	‒	‒	X
cjfa-18794	165	25	�	�	PROPN
cjfa-18794	165	26	�	�	PROPN
cjfa-18794	165	27	�	�	PROPN
cjfa-18794	165	28	�	�	PROPN
cjfa-18794	165	29	�	�	PROPN
cjfa-18794	165	30	�	�	PROPN
cjfa-18794	165	31	–	–	PUNCT
cjfa-18794	165	32	natural	natural	ADJ
cjfa-18794	165	33	log	log	NOUN
cjfa-18794	165	34	of	of	ADP
cjfa-18794	165	35	the	the	DET
cjfa-18794	165	36	average	average	ADJ
cjfa-18794	165	37	annual	annual	ADJ
cjfa-18794	165	38	wage	wage	NOUN
cjfa-18794	165	39	(	(	PUNCT
cjfa-18794	165	40	constant	constant	ADJ
cjfa-18794	165	41	ppp	ppp	NOUN
cjfa-18794	165	42	)	)	PUNCT
cjfa-18794	165	43	,	,	PUNCT
cjfa-18794	165	44	‒	‒	X
cjfa-18794	165	45	�	�	PROPN
cjfa-18794	165	46	�	�	PROPN
cjfa-18794	165	47	�	�	PROPN
cjfa-18794	165	48	�	�	PROPN
cjfa-18794	165	49	�	�	PROPN
cjfa-18794	165	50	�	�	PROPN
cjfa-18794	165	51	�	�	PROPN
cjfa-18794	165	52	�	�	PROPN
cjfa-18794	165	53	–	–	PUNCT
cjfa-18794	165	54	natural	natural	ADJ
cjfa-18794	165	55	log	log	NOUN
cjfa-18794	165	56	of	of	ADP
cjfa-18794	165	57	the	the	DET
cjfa-18794	165	58	rate	rate	NOUN
cjfa-18794	165	59	of	of	ADP
cjfa-18794	165	60	growth	growth	NOUN
cjfa-18794	165	61	in	in	ADP
cjfa-18794	165	62	real	real	ADJ
cjfa-18794	165	63	gdp	gdp	NOUN
cjfa-18794	165	64	per	per	ADP
cjfa-18794	165	65	person	person	NOUN
cjfa-18794	165	66	(	(	PUNCT
cjfa-18794	165	67	constant	constant	ADJ
cjfa-18794	165	68	ppp	ppp	NOUN
cjfa-18794	165	69	)	)	PUNCT
cjfa-18794	165	70	,	,	PUNCT
cjfa-18794	165	71	‒	‒	X
cjfa-18794	165	72	�	�	PROPN
cjfa-18794	165	73	�	�	PROPN
cjfa-18794	165	74	�	�	PROPN
cjfa-18794	165	75	�	�	PROPN
cjfa-18794	165	76	–	–	PUNCT
cjfa-18794	165	77	short	short	ADJ
cjfa-18794	165	78	-	-	PUNCT
cjfa-18794	165	79	term	term	NOUN
cjfa-18794	165	80	interest	interest	NOUN
cjfa-18794	165	81	rate	rate	NOUN
cjfa-18794	165	82	,	,	PUNCT
cjfa-18794	165	83	‒	‒	X
cjfa-18794	165	84	�	�	PROPN
cjfa-18794	165	85	�	�	PROPN
cjfa-18794	165	86	�	�	PROPN
cjfa-18794	165	87	�	�	PROPN
cjfa-18794	165	88	�	�	PROPN
cjfa-18794	165	89	�	�	PROPN
cjfa-18794	165	90	–	–	PUNCT
cjfa-18794	165	91	natural	natural	ADJ
cjfa-18794	165	92	log	log	NOUN
cjfa-18794	165	93	of	of	ADP
cjfa-18794	165	94	the	the	DET
cjfa-18794	165	95	unemployment	unemployment	NOUN
cjfa-18794	165	96	rate	rate	NOUN
cjfa-18794	165	97	,	,	PUNCT
cjfa-18794	165	98	‒	‒	X
cjfa-18794	165	99	�	�	PROPN
cjfa-18794	165	100	�	�	PROPN
cjfa-18794	165	101	�	�	PROPN
cjfa-18794	165	102	�	�	PROPN
cjfa-18794	165	103	�	�	PROPN
cjfa-18794	165	104	�	�	PROPN
cjfa-18794	165	105	–	–	PUNCT
cjfa-18794	165	106	housing	housing	NOUN
cjfa-18794	165	107	rent	rent	NOUN
cjfa-18794	165	108	price	price	NOUN
cjfa-18794	165	109	index	index	NOUN
cjfa-18794	165	110	,	,	PUNCT
cjfa-18794	165	111	‒	‒	X
cjfa-18794	165	112	�	�	PROPN
cjfa-18794	165	113	�	�	PROPN
cjfa-18794	165	114	�	�	PROPN
cjfa-18794	165	115	�	�	PROPN
cjfa-18794	165	116	�	�	PROPN
cjfa-18794	165	117	�	�	PROPN
cjfa-18794	165	118	�	�	PROPN
cjfa-18794	165	119	�	�	PROPN
cjfa-18794	165	120	�	�	PROPN
cjfa-18794	165	121	�	�	PROPN
cjfa-18794	165	122	�	�	PROPN
cjfa-18794	165	123	�	�	PROPN
cjfa-18794	165	124	–	–	PUNCT
cjfa-18794	165	125	natural	natural	ADJ
cjfa-18794	165	126	log	log	NOUN
cjfa-18794	165	127	of	of	ADP
cjfa-18794	165	128	the	the	DET
cjfa-18794	165	129	share	share	NOUN
cjfa-18794	165	130	of	of	ADP
cjfa-18794	165	131	population	population	NOUN
cjfa-18794	165	132	aged	aged	ADJ
cjfa-18794	165	133	25–39	25–39	NUM
cjfa-18794	165	134	,	,	PUNCT
cjfa-18794	165	135	‒	‒	X
cjfa-18794	165	136	�	�	PROPN
cjfa-18794	165	137	�	�	PROPN
cjfa-18794	165	138	�	�	PROPN
cjfa-18794	165	139	�	�	PROPN
cjfa-18794	165	140	�	�	PROPN
cjfa-18794	165	141	–	–	PUNCT
cjfa-18794	165	142	the	the	DET
cjfa-18794	165	143	share	share	NOUN
cjfa-18794	165	144	of	of	ADP
cjfa-18794	165	145	population	population	NOUN
cjfa-18794	165	146	aged	age	VERB
cjfa-18794	165	147	25–64	25–64	NUM
cjfa-18794	165	148	with	with	ADP
cjfa-18794	165	149	tertiary	tertiary	ADJ
cjfa-18794	165	150	education	education	NOUN
cjfa-18794	165	151	attainment	attainment	NOUN
cjfa-18794	165	152	,	,	PUNCT
cjfa-18794	165	153	–	–	PUNCT
cjfa-18794	165	154	the	the	DET
cjfa-18794	165	155	share	share	NOUN
cjfa-18794	165	156	of	of	ADP
cjfa-18794	165	157	population	population	NOUN
cjfa-18794	165	158	aged	age	VERB
cjfa-18794	165	159	25–64	25–64	NUM
cjfa-18794	165	160	with	with	ADP
cjfa-18794	165	161	tertiary	tertiary	ADJ
cjfa-18794	165	162	education	education	NOUN
cjfa-18794	165	163	attainment	attainment	NOUN
cjfa-18794	165	164	,	,	PUNCT
cjfa-18794	165	165	‒	‒	X
cjfa-18794	165	166	‒	‒	ADP
cjfa-18794	165	167	�	�	PROPN
cjfa-18794	165	168	�	�	PROPN
cjfa-18794	165	169	�	�	PROPN
cjfa-18794	165	170	�	�	PROPN
cjfa-18794	165	171	�	�	PROPN
cjfa-18794	165	172	�	�	PROPN
cjfa-18794	165	173	�	�	PROPN
cjfa-18794	165	174	–	–	PUNCT
cjfa-18794	165	175	wage	wage	NOUN
cjfa-18794	165	176	-	-	PUNCT
cjfa-18794	165	177	productivity	productivity	NOUN
cjfa-18794	165	178	gap	gap	NOUN
cjfa-18794	165	179	measured	measure	VERB
cjfa-18794	165	180	as	as	ADP
cjfa-18794	165	181	the	the	DET
cjfa-18794	165	182	natural	natural	ADJ
cjfa-18794	165	183	log	log	NOUN
cjfa-18794	165	184	of	of	ADP
cjfa-18794	165	185	the	the	DET
cjfa-18794	165	186	relation	relation	NOUN
cjfa-18794	165	187	of	of	ADP
cjfa-18794	165	188	gdp	gdp	NOUN
cjfa-18794	165	189	per	per	ADP
cjfa-18794	165	190	person	person	NOUN
cjfa-18794	165	191	employed	employ	VERB
cjfa-18794	165	192	to	to	PART
cjfa-18794	165	193	average	average	ADJ
cjfa-18794	165	194	annual	annual	ADJ
cjfa-18794	165	195	wage	wage	NOUN
cjfa-18794	165	196	,	,	PUNCT
cjfa-18794	165	197	‒	‒	X
cjfa-18794	165	198	�	�	PROPN
cjfa-18794	165	199	�	�	PROPN
cjfa-18794	165	200	�	�	PROPN
cjfa-18794	165	201	�	�	PROPN
cjfa-18794	165	202	�	�	PROPN
cjfa-18794	165	203	–	–	PUNCT
cjfa-18794	165	204	natural	natural	ADJ
cjfa-18794	165	205	log	log	NOUN
cjfa-18794	165	206	of	of	ADP
cjfa-18794	165	207	the	the	DET
cjfa-18794	165	208	gini	gini	PROPN
cjfa-18794	165	209	coefficient	coefficient	NOUN
cjfa-18794	165	210	for	for	ADP
cjfa-18794	165	211	net	net	ADJ
cjfa-18794	165	212	disposable	disposable	ADJ
cjfa-18794	165	213	income	income	NOUN
cjfa-18794	165	214	,	,	PUNCT
cjfa-18794	165	215	‒	‒	X
cjfa-18794	165	216	�	�	PROPN
cjfa-18794	165	217	�	�	PROPN
cjfa-18794	165	218	�	�	PROPN
cjfa-18794	165	219	�	�	PROPN
cjfa-18794	165	220	�	�	PROPN
cjfa-18794	165	221	�	�	PROPN
cjfa-18794	165	222	�	�	PROPN
cjfa-18794	165	223	�	�	PROPN
cjfa-18794	165	224	�	�	PROPN
cjfa-18794	165	225	�	�	PROPN
cjfa-18794	165	226	–	–	PUNCT
cjfa-18794	165	227	regression	regression	NOUN
cjfa-18794	165	228	coefficients	coefficient	NOUN
cjfa-18794	165	229	,	,	PUNCT
cjfa-18794	165	230	‒	‒	X
cjfa-18794	165	231	�	�	PROPN
cjfa-18794	165	232	�	�	PROPN
cjfa-18794	165	233	–	–	PUNCT
cjfa-18794	165	234	intercept	intercept	NOUN
cjfa-18794	165	235	,	,	PUNCT
cjfa-18794	165	236	‒	‒	X
cjfa-18794	165	237	�	�	PROPN
cjfa-18794	165	238	�	�	PROPN
cjfa-18794	165	239	–	–	PUNCT
cjfa-18794	165	240	unknown	unknown	ADJ
cjfa-18794	165	241	intercept	intercept	NOUN
cjfa-18794	165	242	for	for	ADP
cjfa-18794	165	243	each	each	DET
cjfa-18794	165	244	country	country	NOUN
cjfa-18794	165	245	,	,	PUNCT
cjfa-18794	165	246	‒	‒	X
cjfa-18794	165	247	�	�	PROPN
cjfa-18794	165	248	–	–	PUNCT
cjfa-18794	165	249	country	country	NOUN
cjfa-18794	165	250	,	,	PUNCT
cjfa-18794	165	251	‒	‒	X
cjfa-18794	165	252	�	�	PROPN
cjfa-18794	165	253	–	–	PUNCT
cjfa-18794	165	254	year	year	NOUN
cjfa-18794	165	255	,	,	PUNCT
cjfa-18794	165	256	‒	‒	X
cjfa-18794	165	257	�	�	PROPN
cjfa-18794	165	258	�	�	PROPN
cjfa-18794	165	259	�	�	PROPN
cjfa-18794	165	260	–	–	PUNCT
cjfa-18794	165	261	error	error	NOUN
cjfa-18794	165	262	term	term	NOUN
cjfa-18794	165	263	.	.	PUNCT
cjfa-18794	166	1	as	as	SCONJ
cjfa-18794	166	2	regards	regard	VERB
cjfa-18794	166	3	the	the	DET
cjfa-18794	166	4	expected	expect	VERB
cjfa-18794	166	5	signs	sign	NOUN
cjfa-18794	166	6	of	of	ADP
cjfa-18794	166	7	the	the	DET
cjfa-18794	166	8	regression	regression	NOUN
cjfa-18794	166	9	coefficients	coefficient	NOUN
cjfa-18794	166	10	,	,	PUNCT
cjfa-18794	166	11	both	both	PRON
cjfa-18794	166	12	higher	high	ADJ
cjfa-18794	166	13	average	average	ADJ
cjfa-18794	166	14	wages	wage	NOUN
cjfa-18794	166	15	and	and	CCONJ
cjfa-18794	166	16	faster	fast	ADJ
cjfa-18794	166	17	gdp	gdp	NOUN
cjfa-18794	166	18	growth	growth	NOUN
cjfa-18794	166	19	should	should	AUX
cjfa-18794	166	20	generally	generally	ADV
cjfa-18794	166	21	fuel	fuel	VERB
cjfa-18794	166	22	borrowing	borrowing	NOUN
cjfa-18794	166	23	,	,	PUNCT
cjfa-18794	166	24	as	as	SCONJ
cjfa-18794	166	25	they	they	PRON
cjfa-18794	166	26	improve	improve	VERB
cjfa-18794	166	27	households	household	NOUN
cjfa-18794	166	28	’	'	PUNCT
cjfa-18794	166	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	166	30	and	and	CCONJ
cjfa-18794	166	31	boost	boost	VERB
cjfa-18794	166	32	their	their	PRON
cjfa-18794	166	33	optimism	optimism	NOUN
cjfa-18794	166	34	about	about	ADP
cjfa-18794	166	35	the	the	DET
cjfa-18794	166	36	future	future	ADJ
cjfa-18794	166	37	income	income	NOUN
cjfa-18794	166	38	prospects	prospect	NOUN
cjfa-18794	166	39	,	,	PUNCT
cjfa-18794	166	40	allowing	allow	VERB
cjfa-18794	166	41	them	they	PRON
cjfa-18794	166	42	to	to	PART
cjfa-18794	166	43	take	take	VERB
cjfa-18794	166	44	on	on	ADP
cjfa-18794	166	45	larger	large	ADJ
cjfa-18794	166	46	loans	loan	NOUN
cjfa-18794	166	47	.	.	PUNCT
cjfa-18794	167	1	the	the	DET
cjfa-18794	167	2	estimates	estimate	NOUN
cjfa-18794	167	3	of	of	ADP
cjfa-18794	167	4	the	the	DET
cjfa-18794	167	5	coefficients	coefficient	NOUN
cjfa-18794	167	6	β1	β1	PROPN
cjfa-18794	167	7	and	and	CCONJ
cjfa-18794	167	8	β2	β2	NOUN
cjfa-18794	167	9	are	be	AUX
cjfa-18794	167	10	,	,	PUNCT
cjfa-18794	167	11	therefore	therefore	ADV
cjfa-18794	167	12	,	,	PUNCT
cjfa-18794	167	13	expected	expect	VERB
cjfa-18794	167	14	to	to	PART
cjfa-18794	167	15	be	be	AUX
cjfa-18794	167	16	positive	positive	ADJ
cjfa-18794	167	17	.	.	PUNCT
cjfa-18794	168	1	however	however	ADV
cjfa-18794	168	2	,	,	PUNCT
cjfa-18794	168	3	it	it	PRON
cjfa-18794	168	4	is	be	AUX
cjfa-18794	168	5	possible	possible	ADJ
cjfa-18794	168	6	that	that	SCONJ
cjfa-18794	168	7	they	they	PRON
cjfa-18794	168	8	become	become	VERB
cjfa-18794	168	9	negative	negative	ADJ
cjfa-18794	168	10	if	if	SCONJ
cjfa-18794	168	11	household	household	NOUN
cjfa-18794	168	12	incomes	income	NOUN
cjfa-18794	168	13	should	should	AUX
cjfa-18794	168	14	grow	grow	VERB
cjfa-18794	168	15	faster	fast	ADV
cjfa-18794	168	16	than	than	ADP
cjfa-18794	168	17	the	the	DET
cjfa-18794	168	18	stock	stock	NOUN
cjfa-18794	168	19	of	of	ADP
cjfa-18794	168	20	debt	debt	NOUN
cjfa-18794	168	21	.	.	PUNCT
cjfa-18794	169	1	the	the	DET
cjfa-18794	169	2	interest	interest	NOUN
cjfa-18794	169	3	rate	rate	NOUN
cjfa-18794	169	4	is	be	AUX
cjfa-18794	169	5	expected	expect	VERB
cjfa-18794	169	6	to	to	PART
cjfa-18794	169	7	be	be	AUX
cjfa-18794	169	8	inversely	inversely	ADV
cjfa-18794	169	9	related	relate	VERB
cjfa-18794	169	10	to	to	ADP
cjfa-18794	169	11	the	the	DET
cjfa-18794	169	12	dti	dti	PROPN
cjfa-18794	169	13	ratio	ratio	NOUN
cjfa-18794	169	14	resulting	result	VERB
cjfa-18794	169	15	in	in	ADP
cjfa-18794	169	16	a	a	DET
cjfa-18794	169	17	negative	negative	ADJ
cjfa-18794	169	18	estimate	estimate	NOUN
cjfa-18794	169	19	of	of	ADP
cjfa-18794	169	20	the	the	DET
cjfa-18794	169	21	coefficient	coefficient	NOUN
cjfa-18794	169	22	β3	β3	ADJ
cjfa-18794	169	23	.	.	PUNCT
cjfa-18794	170	1	although	although	SCONJ
cjfa-18794	170	2	the	the	DET
cjfa-18794	170	3	prevalence	prevalence	NOUN
cjfa-18794	170	4	of	of	ADP
cjfa-18794	170	5	mortgage	mortgage	NOUN
cjfa-18794	170	6	debt	debt	NOUN
cjfa-18794	170	7	suggests	suggest	VERB
cjfa-18794	170	8	using	use	VERB
cjfa-18794	170	9	a	a	DET
cjfa-18794	170	10	long	long	ADJ
cjfa-18794	170	11	-	-	PUNCT
cjfa-18794	170	12	term	term	NOUN
cjfa-18794	170	13	interest	interest	NOUN
cjfa-18794	170	14	rate	rate	NOUN
cjfa-18794	170	15	as	as	ADP
cjfa-18794	170	16	an	an	DET
cjfa-18794	170	17	explanatory	explanatory	ADJ
cjfa-18794	170	18	variable	variable	NOUN
cjfa-18794	170	19	,	,	PUNCT
cjfa-18794	170	20	given	give	VERB
cjfa-18794	170	21	a	a	DET
cjfa-18794	170	22	strong	strong	ADJ
cjfa-18794	170	23	positive	positive	ADJ
cjfa-18794	170	24	correlation	correlation	NOUN
cjfa-18794	170	25	between	between	ADP
cjfa-18794	170	26	long	long	ADJ
cjfa-18794	170	27	and	and	CCONJ
cjfa-18794	170	28	short	short	ADJ
cjfa-18794	170	29	-	-	PUNCT
cjfa-18794	170	30	term	term	NOUN
cjfa-18794	170	31	interest	interest	NOUN
cjfa-18794	170	32	rates	rate	NOUN
cjfa-18794	170	33	,	,	PUNCT
cjfa-18794	170	34	and	and	CCONJ
cjfa-18794	170	35	a	a	DET
cjfa-18794	170	36	much	much	ADV
cjfa-18794	170	37	higher	high	ADJ
cjfa-18794	170	38	number	number	NOUN
cjfa-18794	170	39	of	of	ADP
cjfa-18794	170	40	available	available	ADJ
cjfa-18794	170	41	observations	observation	NOUN
cjfa-18794	170	42	for	for	ADP
cjfa-18794	170	43	the	the	DET
cjfa-18794	170	44	latter	latter	ADJ
cjfa-18794	170	45	one	one	NOUN
cjfa-18794	170	46	,	,	PUNCT
cjfa-18794	170	47	it	it	PRON
cjfa-18794	170	48	has	have	AUX
cjfa-18794	170	49	been	be	AUX
cjfa-18794	170	50	employed	employ	VERB
cjfa-18794	170	51	in	in	ADP
cjfa-18794	170	52	the	the	DET
cjfa-18794	170	53	model	model	NOUN
cjfa-18794	170	54	.	.	PUNCT
cjfa-18794	171	1	the	the	DET
cjfa-18794	171	2	estimate	estimate	NOUN
cjfa-18794	171	3	of	of	ADP
cjfa-18794	171	4	the	the	DET
cjfa-18794	171	5	coefficient	coefficient	NOUN
cjfa-18794	171	6	β4	β4	PROPN
cjfa-18794	171	7	is	be	AUX
cjfa-18794	171	8	expected	expect	VERB
cjfa-18794	171	9	to	to	PART
cjfa-18794	171	10	be	be	AUX
cjfa-18794	171	11	negative	negative	ADJ
cjfa-18794	171	12	since	since	SCONJ
cjfa-18794	171	13	growing	grow	VERB
cjfa-18794	171	14	unemployment	unemployment	NOUN
cjfa-18794	171	15	makes	make	VERB
cjfa-18794	171	16	households	household	NOUN
cjfa-18794	171	17	’	'	PUNCT
cjfa-18794	171	18	future	future	ADJ
cjfa-18794	171	19	incomes	income	NOUN
cjfa-18794	171	20	less	less	ADV
cjfa-18794	171	21	predictable	predictable	ADJ
cjfa-18794	171	22	thus	thus	ADV
cjfa-18794	171	23	discouraging	discourage	VERB
cjfa-18794	171	24	them	they	PRON
cjfa-18794	171	25	from	from	ADP
cjfa-18794	171	26	taking	take	VERB
cjfa-18794	171	27	on	on	ADP
cjfa-18794	171	28	additional	additional	ADJ
cjfa-18794	171	29	debt	debt	NOUN
cjfa-18794	171	30	.	.	PUNCT
cjfa-18794	172	1	according	accord	VERB
cjfa-18794	172	2	to	to	ADP
cjfa-18794	172	3	the	the	DET
cjfa-18794	172	4	available	available	ADJ
cjfa-18794	172	5	evidence	evidence	NOUN
cjfa-18794	172	6	,	,	PUNCT
cjfa-18794	172	7	the	the	DET
cjfa-18794	172	8	highest	high	ADJ
cjfa-18794	172	9	household	household	NOUN
cjfa-18794	172	10	indebtedness	indebtedness	NOUN
cjfa-18794	172	11	is	be	AUX
cjfa-18794	172	12	expected	expect	VERB
cjfa-18794	172	13	for	for	ADP
cjfa-18794	172	14	the	the	DET
cjfa-18794	172	15	middle	middle	ADJ
cjfa-18794	172	16	-	-	PUNCT
cjfa-18794	172	17	aged	aged	ADJ
cjfa-18794	172	18	cohorts	cohort	NOUN
cjfa-18794	172	19	and	and	CCONJ
cjfa-18794	172	20	for	for	ADP
cjfa-18794	172	21	the	the	DET
cjfa-18794	172	22	persons	person	NOUN
cjfa-18794	172	23	with	with	ADP
cjfa-18794	172	24	higher	high	ADJ
cjfa-18794	172	25	education	education	NOUN
cjfa-18794	172	26	attainment	attainment	NOUN
cjfa-18794	172	27	,	,	PUNCT
cjfa-18794	172	28	which	which	PRON
cjfa-18794	172	29	suggests	suggest	VERB
cjfa-18794	172	30	positive	positive	ADJ
cjfa-18794	172	31	estimates	estimate	NOUN
cjfa-18794	172	32	of	of	ADP
cjfa-18794	172	33	the	the	DET
cjfa-18794	172	34	coefficients	coefficient	NOUN
cjfa-18794	172	35	β5	β5	NOUN
cjfa-18794	172	36	and	and	CCONJ
cjfa-18794	172	37	β6	β6	PROPN
cjfa-18794	172	38	.	.	PUNCT
cjfa-18794	173	1	given	give	VERB
cjfa-18794	173	2	that	that	SCONJ
cjfa-18794	173	3	the	the	DET
cjfa-18794	173	4	growth	growth	NOUN
cjfa-18794	173	5	of	of	ADP
cjfa-18794	173	6	housing	housing	NOUN
cjfa-18794	173	7	prices	price	NOUN
cjfa-18794	173	8	fuels	fuel	VERB
cjfa-18794	173	9	household	household	NOUN
cjfa-18794	173	10	borrowing	borrowing	NOUN
cjfa-18794	173	11	,	,	PUNCT
cjfa-18794	173	12	while	while	SCONJ
cjfa-18794	173	13	their	their	PRON
cjfa-18794	173	14	decrease	decrease	NOUN
cjfa-18794	173	15	discourages	discourage	VERB
cjfa-18794	173	16	it	it	PRON
cjfa-18794	173	17	,	,	PUNCT
cjfa-18794	173	18	the	the	DET
cjfa-18794	173	19	estimated	estimate	VERB
cjfa-18794	173	20	value	value	NOUN
cjfa-18794	173	21	of	of	ADP
cjfa-18794	173	22	the	the	DET
cjfa-18794	173	23	coefficient	coefficient	NOUN
cjfa-18794	173	24	β7	β7	PROPN
cjfa-18794	173	25	is	be	AUX
cjfa-18794	173	26	expected	expect	VERB
cjfa-18794	173	27	to	to	PART
cjfa-18794	173	28	be	be	AUX
cjfa-18794	173	29	positive	positive	ADJ
cjfa-18794	173	30	.	.	PUNCT
cjfa-18794	174	1	again	again	ADV
cjfa-18794	174	2	,	,	PUNCT
cjfa-18794	174	3	in	in	ADP
cjfa-18794	174	4	order	order	NOUN
cjfa-18794	174	5	to	to	PART
cjfa-18794	174	6	use	use	VERB
cjfa-18794	174	7	a	a	DET
cjfa-18794	174	8	possibly	possibly	ADV
cjfa-18794	174	9	most	most	ADV
cjfa-18794	174	10	complete	complete	ADJ
cjfa-18794	174	11	time	time	NOUN
cjfa-18794	174	12	series	series	NOUN
cjfa-18794	174	13	,	,	PUNCT
cjfa-18794	174	14	the	the	DET
cjfa-18794	174	15	housing	housing	NOUN
cjfa-18794	174	16	rental	rental	NOUN
cjfa-18794	174	17	price	price	NOUN
cjfa-18794	174	18	index	index	NOUN
cjfa-18794	174	19	has	have	AUX
cjfa-18794	174	20	been	be	AUX
cjfa-18794	174	21	employed	employ	VERB
cjfa-18794	174	22	in	in	ADP
cjfa-18794	174	23	the	the	DET
cjfa-18794	174	24	model	model	NOUN
cjfa-18794	174	25	as	as	ADP
cjfa-18794	174	26	an	an	DET
cjfa-18794	174	27	explanatory	explanatory	ADJ
cjfa-18794	174	28	variable	variable	NOUN
cjfa-18794	174	29	.	.	PUNCT
cjfa-18794	175	1	finally	finally	ADV
cjfa-18794	175	2	,	,	PUNCT
cjfa-18794	175	3	both	both	CCONJ
cjfa-18794	175	4	wider	wide	ADJ
cjfa-18794	175	5	wage	wage	NOUN
cjfa-18794	175	6	-	-	PUNCT
cjfa-18794	175	7	productivity	productivity	NOUN
cjfa-18794	175	8	gaps	gap	NOUN
cjfa-18794	175	9	and	and	CCONJ
cjfa-18794	175	10	more	more	ADV
cjfa-18794	175	11	unequal	unequal	ADJ
cjfa-18794	175	12	distribution	distribution	NOUN
cjfa-18794	175	13	of	of	ADP
cjfa-18794	175	14	incomes	income	NOUN
cjfa-18794	175	15	might	might	AUX
cjfa-18794	175	16	encourage	encourage	VERB
cjfa-18794	175	17	poorer	poor	ADJ
cjfa-18794	175	18	households	household	NOUN
cjfa-18794	175	19	to	to	PART
cjfa-18794	175	20	fuel	fuel	VERB
cjfa-18794	175	21	consumption	consumption	NOUN
cjfa-18794	175	22	with	with	ADP
cjfa-18794	175	23	debt	debt	NOUN
cjfa-18794	175	24	in	in	ADP
cjfa-18794	175	25	order	order	NOUN
cjfa-18794	175	26	to	to	PART
cjfa-18794	175	27	reduce	reduce	VERB
cjfa-18794	175	28	the	the	DET
cjfa-18794	175	29	distance	distance	NOUN
cjfa-18794	175	30	from	from	ADP
cjfa-18794	175	31	their	their	PRON
cjfa-18794	175	32	richer	rich	ADJ
cjfa-18794	175	33	peers	peer	NOUN
cjfa-18794	175	34	,	,	PUNCT
cjfa-18794	175	35	which	which	PRON
cjfa-18794	175	36	allows	allow	VERB
cjfa-18794	175	37	to	to	PART
cjfa-18794	175	38	expect	expect	VERB
cjfa-18794	175	39	positive	positive	ADJ
cjfa-18794	175	40	estimates	estimate	NOUN
cjfa-18794	175	41	of	of	ADP
cjfa-18794	175	42	the	the	DET
cjfa-18794	175	43	coefficients	coefficient	NOUN
cjfa-18794	175	44	β8	β8	ADJ
cjfa-18794	175	45	and	and	CCONJ
cjfa-18794	175	46	β9	β9	ADJ
cjfa-18794	175	47	.	.	PUNCT
cjfa-18794	175	48	–	–	PUNCT
cjfa-18794	175	49	wage	wage	NOUN
cjfa-18794	175	50	-	-	PUNCT
cjfa-18794	175	51	productivity	productivity	NOUN
cjfa-18794	175	52	gap	gap	NOUN
cjfa-18794	175	53	measured	measure	VERB
cjfa-18794	175	54	as	as	ADP
cjfa-18794	175	55	the	the	DET
cjfa-18794	175	56	natural	natural	ADJ
cjfa-18794	175	57	log	log	NOUN
cjfa-18794	175	58	of	of	ADP
cjfa-18794	175	59	the	the	DET
cjfa-18794	175	60	relation	relation	NOUN
cjfa-18794	175	61	of	of	ADP
cjfa-18794	175	62	gdp	gdp	NOUN
cjfa-18794	175	63	per	per	ADP
cjfa-18794	175	64	person	person	NOUN
cjfa-18794	175	65	employed	employ	VERB
cjfa-18794	175	66	to	to	PART
cjfa-18794	175	67	average	average	ADJ
cjfa-18794	175	68	annual	annual	ADJ
cjfa-18794	175	69	wage	wage	NOUN
cjfa-18794	175	70	,	,	PUNCT
cjfa-18794	175	71	‒	‒	X
cjfa-18794	175	72	‒	‒	ADP
cjfa-18794	175	73	�	�	PROPN
cjfa-18794	175	74	�	�	PROPN
cjfa-18794	175	75	�	�	PROPN
cjfa-18794	175	76	�	�	PROPN
cjfa-18794	175	77	�	�	PROPN
cjfa-18794	175	78	�	�	PROPN
cjfa-18794	175	79	�	�	PROPN
cjfa-18794	175	80	–	–	PUNCT
cjfa-18794	175	81	wage	wage	NOUN
cjfa-18794	175	82	-	-	PUNCT
cjfa-18794	175	83	productivity	productivity	NOUN
cjfa-18794	175	84	gap	gap	NOUN
cjfa-18794	175	85	measured	measure	VERB
cjfa-18794	175	86	as	as	ADP
cjfa-18794	175	87	the	the	DET
cjfa-18794	175	88	natural	natural	ADJ
cjfa-18794	175	89	log	log	NOUN
cjfa-18794	175	90	of	of	ADP
cjfa-18794	175	91	the	the	DET
cjfa-18794	175	92	relation	relation	NOUN
cjfa-18794	175	93	of	of	ADP
cjfa-18794	175	94	gdp	gdp	NOUN
cjfa-18794	175	95	per	per	ADP
cjfa-18794	175	96	person	person	NOUN
cjfa-18794	175	97	employed	employ	VERB
cjfa-18794	175	98	to	to	PART
cjfa-18794	175	99	average	average	ADJ
cjfa-18794	175	100	annual	annual	ADJ
cjfa-18794	175	101	wage	wage	NOUN
cjfa-18794	175	102	,	,	PUNCT
cjfa-18794	175	103	‒	‒	X
cjfa-18794	175	104	�	�	PROPN
cjfa-18794	175	105	�	�	PROPN
cjfa-18794	175	106	�	�	PROPN
cjfa-18794	175	107	�	�	PROPN
cjfa-18794	175	108	�	�	PROPN
cjfa-18794	175	109	–	–	PUNCT
cjfa-18794	175	110	natural	natural	ADJ
cjfa-18794	175	111	log	log	NOUN
cjfa-18794	175	112	of	of	ADP
cjfa-18794	175	113	the	the	DET
cjfa-18794	175	114	gini	gini	PROPN
cjfa-18794	175	115	coefficient	coefficient	NOUN
cjfa-18794	175	116	for	for	ADP
cjfa-18794	175	117	net	net	ADJ
cjfa-18794	175	118	disposable	disposable	ADJ
cjfa-18794	175	119	income	income	NOUN
cjfa-18794	175	120	,	,	PUNCT
cjfa-18794	175	121	‒	‒	X
cjfa-18794	175	122	�	�	PROPN
cjfa-18794	175	123	�	�	PROPN
cjfa-18794	175	124	�	�	PROPN
cjfa-18794	175	125	�	�	PROPN
cjfa-18794	175	126	�	�	PROPN
cjfa-18794	175	127	�	�	PROPN
cjfa-18794	175	128	�	�	PROPN
cjfa-18794	175	129	�	�	PROPN
cjfa-18794	175	130	�	�	PROPN
cjfa-18794	175	131	�	�	PROPN
cjfa-18794	175	132	–	–	PUNCT
cjfa-18794	175	133	regression	regression	NOUN
cjfa-18794	175	134	coefficients	coefficient	NOUN
cjfa-18794	175	135	,	,	PUNCT
cjfa-18794	175	136	‒	‒	X
cjfa-18794	175	137	�	�	PROPN
cjfa-18794	175	138	�	�	PROPN
cjfa-18794	175	139	–	–	PUNCT
cjfa-18794	175	140	intercept	intercept	NOUN
cjfa-18794	175	141	,	,	PUNCT
cjfa-18794	175	142	‒	‒	X
cjfa-18794	175	143	�	�	PROPN
cjfa-18794	175	144	�	�	PROPN
cjfa-18794	175	145	–	–	PUNCT
cjfa-18794	175	146	unknown	unknown	ADJ
cjfa-18794	175	147	intercept	intercept	NOUN
cjfa-18794	175	148	for	for	ADP
cjfa-18794	175	149	each	each	DET
cjfa-18794	175	150	country	country	NOUN
cjfa-18794	175	151	,	,	PUNCT
cjfa-18794	175	152	‒	‒	X
cjfa-18794	175	153	�	�	PROPN
cjfa-18794	175	154	–	–	PUNCT
cjfa-18794	175	155	country	country	NOUN
cjfa-18794	175	156	,	,	PUNCT
cjfa-18794	175	157	‒	‒	X
cjfa-18794	175	158	�	�	PROPN
cjfa-18794	175	159	–	–	PUNCT
cjfa-18794	175	160	year	year	NOUN
cjfa-18794	175	161	,	,	PUNCT
cjfa-18794	175	162	‒	‒	X
cjfa-18794	175	163	�	�	PROPN
cjfa-18794	175	164	�	�	PROPN
cjfa-18794	175	165	�	�	PROPN
cjfa-18794	175	166	–	–	PUNCT
cjfa-18794	175	167	error	error	NOUN
cjfa-18794	175	168	term	term	NOUN
cjfa-18794	175	169	.	.	PUNCT
cjfa-18794	176	1	as	as	SCONJ
cjfa-18794	176	2	regards	regard	VERB
cjfa-18794	176	3	the	the	DET
cjfa-18794	176	4	expected	expect	VERB
cjfa-18794	176	5	signs	sign	NOUN
cjfa-18794	176	6	of	of	ADP
cjfa-18794	176	7	the	the	DET
cjfa-18794	176	8	regression	regression	NOUN
cjfa-18794	176	9	coefficients	coefficient	NOUN
cjfa-18794	176	10	,	,	PUNCT
cjfa-18794	176	11	both	both	PRON
cjfa-18794	176	12	higher	high	ADJ
cjfa-18794	176	13	average	average	ADJ
cjfa-18794	176	14	wages	wage	NOUN
cjfa-18794	176	15	and	and	CCONJ
cjfa-18794	176	16	faster	fast	ADJ
cjfa-18794	176	17	gdp	gdp	NOUN
cjfa-18794	176	18	growth	growth	NOUN
cjfa-18794	176	19	should	should	AUX
cjfa-18794	176	20	generally	generally	ADV
cjfa-18794	176	21	fuel	fuel	VERB
cjfa-18794	176	22	borrowing	borrowing	NOUN
cjfa-18794	176	23	,	,	PUNCT
cjfa-18794	176	24	as	as	SCONJ
cjfa-18794	176	25	they	they	PRON
cjfa-18794	176	26	improve	improve	VERB
cjfa-18794	176	27	households	household	NOUN
cjfa-18794	176	28	’	'	PUNCT
cjfa-18794	176	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	176	30	and	and	CCONJ
cjfa-18794	176	31	boost	boost	VERB
cjfa-18794	176	32	their	their	PRON
cjfa-18794	176	33	optimism	optimism	NOUN
cjfa-18794	176	34	about	about	ADP
cjfa-18794	176	35	the	the	DET
cjfa-18794	176	36	future	future	ADJ
cjfa-18794	176	37	income	income	NOUN
cjfa-18794	176	38	prospects	prospect	NOUN
cjfa-18794	176	39	,	,	PUNCT
cjfa-18794	176	40	allowing	allow	VERB
cjfa-18794	176	41	them	they	PRON
cjfa-18794	176	42	to	to	PART
cjfa-18794	176	43	take	take	VERB
cjfa-18794	176	44	on	on	ADP
cjfa-18794	176	45	larger	large	ADJ
cjfa-18794	176	46	loans	loan	NOUN
cjfa-18794	176	47	.	.	PUNCT
cjfa-18794	177	1	the	the	DET
cjfa-18794	177	2	estimates	estimate	NOUN
cjfa-18794	177	3	of	of	ADP
cjfa-18794	177	4	the	the	DET
cjfa-18794	177	5	coefficients	coefficient	NOUN
cjfa-18794	177	6	β1	β1	PROPN
cjfa-18794	177	7	and	and	CCONJ
cjfa-18794	177	8	β2	β2	NOUN
cjfa-18794	177	9	are	be	AUX
cjfa-18794	177	10	,	,	PUNCT
cjfa-18794	177	11	therefore	therefore	ADV
cjfa-18794	177	12	,	,	PUNCT
cjfa-18794	177	13	expected	expect	VERB
cjfa-18794	177	14	to	to	PART
cjfa-18794	177	15	be	be	AUX
cjfa-18794	177	16	positive	positive	ADJ
cjfa-18794	177	17	.	.	PUNCT
cjfa-18794	178	1	however	however	ADV
cjfa-18794	178	2	,	,	PUNCT
cjfa-18794	178	3	it	it	PRON
cjfa-18794	178	4	is	be	AUX
cjfa-18794	178	5	possible	possible	ADJ
cjfa-18794	178	6	that	that	SCONJ
cjfa-18794	178	7	they	they	PRON
cjfa-18794	178	8	become	become	VERB
cjfa-18794	178	9	negative	negative	ADJ
cjfa-18794	178	10	if	if	SCONJ
cjfa-18794	178	11	household	household	NOUN
cjfa-18794	178	12	incomes	income	NOUN
cjfa-18794	178	13	should	should	AUX
cjfa-18794	178	14	grow	grow	VERB
cjfa-18794	178	15	faster	fast	ADV
cjfa-18794	178	16	than	than	ADP
cjfa-18794	178	17	the	the	DET
cjfa-18794	178	18	stock	stock	NOUN
cjfa-18794	178	19	of	of	ADP
cjfa-18794	178	20	debt	debt	NOUN
cjfa-18794	178	21	.	.	PUNCT
cjfa-18794	179	1	the	the	DET
cjfa-18794	179	2	interest	interest	NOUN
cjfa-18794	179	3	rate	rate	NOUN
cjfa-18794	179	4	is	be	AUX
cjfa-18794	179	5	expected	expect	VERB
cjfa-18794	179	6	to	to	PART
cjfa-18794	179	7	be	be	AUX
cjfa-18794	179	8	inversely	inversely	ADV
cjfa-18794	179	9	related	relate	VERB
cjfa-18794	179	10	to	to	ADP
cjfa-18794	179	11	the	the	DET
cjfa-18794	179	12	dti	dti	PROPN
cjfa-18794	179	13	ratio	ratio	NOUN
cjfa-18794	179	14	resulting	result	VERB
cjfa-18794	179	15	in	in	ADP
cjfa-18794	179	16	a	a	DET
cjfa-18794	179	17	negative	negative	ADJ
cjfa-18794	179	18	estimate	estimate	NOUN
cjfa-18794	179	19	of	of	ADP
cjfa-18794	179	20	the	the	DET
cjfa-18794	179	21	coefficient	coefficient	NOUN
cjfa-18794	179	22	β3	β3	ADJ
cjfa-18794	179	23	.	.	PUNCT
cjfa-18794	180	1	although	although	SCONJ
cjfa-18794	180	2	the	the	DET
cjfa-18794	180	3	prevalence	prevalence	NOUN
cjfa-18794	180	4	of	of	ADP
cjfa-18794	180	5	mortgage	mortgage	NOUN
cjfa-18794	180	6	debt	debt	NOUN
cjfa-18794	180	7	suggests	suggest	VERB
cjfa-18794	180	8	using	use	VERB
cjfa-18794	180	9	a	a	DET
cjfa-18794	180	10	long	long	ADJ
cjfa-18794	180	11	-	-	PUNCT
cjfa-18794	180	12	term	term	NOUN
cjfa-18794	180	13	interest	interest	NOUN
cjfa-18794	180	14	rate	rate	NOUN
cjfa-18794	180	15	as	as	ADP
cjfa-18794	180	16	an	an	DET
cjfa-18794	180	17	explanatory	explanatory	ADJ
cjfa-18794	180	18	variable	variable	NOUN
cjfa-18794	180	19	,	,	PUNCT
cjfa-18794	180	20	given	give	VERB
cjfa-18794	180	21	a	a	DET
cjfa-18794	180	22	strong	strong	ADJ
cjfa-18794	180	23	positive	positive	ADJ
cjfa-18794	180	24	correlation	correlation	NOUN
cjfa-18794	180	25	between	between	ADP
cjfa-18794	180	26	long	long	ADJ
cjfa-18794	180	27	and	and	CCONJ
cjfa-18794	180	28	short	short	ADJ
cjfa-18794	180	29	-	-	PUNCT
cjfa-18794	180	30	term	term	NOUN
cjfa-18794	180	31	interest	interest	NOUN
cjfa-18794	180	32	rates	rate	NOUN
cjfa-18794	180	33	,	,	PUNCT
cjfa-18794	180	34	and	and	CCONJ
cjfa-18794	180	35	a	a	DET
cjfa-18794	180	36	much	much	ADV
cjfa-18794	180	37	higher	high	ADJ
cjfa-18794	180	38	number	number	NOUN
cjfa-18794	180	39	of	of	ADP
cjfa-18794	180	40	available	available	ADJ
cjfa-18794	180	41	observations	observation	NOUN
cjfa-18794	180	42	for	for	ADP
cjfa-18794	180	43	the	the	DET
cjfa-18794	180	44	latter	latter	ADJ
cjfa-18794	180	45	one	one	NOUN
cjfa-18794	180	46	,	,	PUNCT
cjfa-18794	180	47	it	it	PRON
cjfa-18794	180	48	has	have	AUX
cjfa-18794	180	49	been	be	AUX
cjfa-18794	180	50	employed	employ	VERB
cjfa-18794	180	51	in	in	ADP
cjfa-18794	180	52	the	the	DET
cjfa-18794	180	53	model	model	NOUN
cjfa-18794	180	54	.	.	PUNCT
cjfa-18794	181	1	the	the	DET
cjfa-18794	181	2	estimate	estimate	NOUN
cjfa-18794	181	3	of	of	ADP
cjfa-18794	181	4	the	the	DET
cjfa-18794	181	5	coefficient	coefficient	NOUN
cjfa-18794	181	6	β4	β4	PROPN
cjfa-18794	181	7	is	be	AUX
cjfa-18794	181	8	expected	expect	VERB
cjfa-18794	181	9	to	to	PART
cjfa-18794	181	10	be	be	AUX
cjfa-18794	181	11	negative	negative	ADJ
cjfa-18794	181	12	since	since	SCONJ
cjfa-18794	181	13	growing	grow	VERB
cjfa-18794	181	14	unemployment	unemployment	NOUN
cjfa-18794	181	15	makes	make	VERB
cjfa-18794	181	16	households	household	NOUN
cjfa-18794	181	17	’	'	PUNCT
cjfa-18794	181	18	future	future	ADJ
cjfa-18794	181	19	incomes	income	NOUN
cjfa-18794	181	20	less	less	ADV
cjfa-18794	181	21	predictable	predictable	ADJ
cjfa-18794	181	22	thus	thus	ADV
cjfa-18794	181	23	discouraging	discourage	VERB
cjfa-18794	181	24	them	they	PRON
cjfa-18794	181	25	from	from	ADP
cjfa-18794	181	26	taking	take	VERB
cjfa-18794	181	27	on	on	ADP
cjfa-18794	181	28	additional	additional	ADJ
cjfa-18794	181	29	debt	debt	NOUN
cjfa-18794	181	30	.	.	PUNCT
cjfa-18794	182	1	according	accord	VERB
cjfa-18794	182	2	to	to	ADP
cjfa-18794	182	3	the	the	DET
cjfa-18794	182	4	available	available	ADJ
cjfa-18794	182	5	evidence	evidence	NOUN
cjfa-18794	182	6	,	,	PUNCT
cjfa-18794	182	7	the	the	DET
cjfa-18794	182	8	highest	high	ADJ
cjfa-18794	182	9	household	household	NOUN
cjfa-18794	182	10	indebtedness	indebtedness	NOUN
cjfa-18794	182	11	is	be	AUX
cjfa-18794	182	12	expected	expect	VERB
cjfa-18794	182	13	for	for	ADP
cjfa-18794	182	14	the	the	DET
cjfa-18794	182	15	middle	middle	ADJ
cjfa-18794	182	16	-	-	PUNCT
cjfa-18794	182	17	aged	aged	ADJ
cjfa-18794	182	18	cohorts	cohort	NOUN
cjfa-18794	182	19	and	and	CCONJ
cjfa-18794	182	20	for	for	ADP
cjfa-18794	182	21	the	the	DET
cjfa-18794	182	22	persons	person	NOUN
cjfa-18794	182	23	with	with	ADP
cjfa-18794	182	24	higher	high	ADJ
cjfa-18794	182	25	education	education	NOUN
cjfa-18794	182	26	attainment	attainment	NOUN
cjfa-18794	182	27	,	,	PUNCT
cjfa-18794	182	28	which	which	PRON
cjfa-18794	182	29	suggests	suggest	VERB
cjfa-18794	182	30	positive	positive	ADJ
cjfa-18794	182	31	estimates	estimate	NOUN
cjfa-18794	182	32	of	of	ADP
cjfa-18794	182	33	the	the	DET
cjfa-18794	182	34	coefficients	coefficient	NOUN
cjfa-18794	182	35	β5	β5	NOUN
cjfa-18794	182	36	and	and	CCONJ
cjfa-18794	182	37	β6	β6	PROPN
cjfa-18794	182	38	.	.	PUNCT
cjfa-18794	183	1	given	give	VERB
cjfa-18794	183	2	that	that	SCONJ
cjfa-18794	183	3	the	the	DET
cjfa-18794	183	4	growth	growth	NOUN
cjfa-18794	183	5	of	of	ADP
cjfa-18794	183	6	housing	housing	NOUN
cjfa-18794	183	7	prices	price	NOUN
cjfa-18794	183	8	fuels	fuel	VERB
cjfa-18794	183	9	household	household	NOUN
cjfa-18794	183	10	borrowing	borrowing	NOUN
cjfa-18794	183	11	,	,	PUNCT
cjfa-18794	183	12	while	while	SCONJ
cjfa-18794	183	13	their	their	PRON
cjfa-18794	183	14	decrease	decrease	NOUN
cjfa-18794	183	15	discourages	discourage	VERB
cjfa-18794	183	16	it	it	PRON
cjfa-18794	183	17	,	,	PUNCT
cjfa-18794	183	18	the	the	DET
cjfa-18794	183	19	estimated	estimate	VERB
cjfa-18794	183	20	value	value	NOUN
cjfa-18794	183	21	of	of	ADP
cjfa-18794	183	22	the	the	DET
cjfa-18794	183	23	coefficient	coefficient	NOUN
cjfa-18794	183	24	β7	β7	PROPN
cjfa-18794	183	25	is	be	AUX
cjfa-18794	183	26	expected	expect	VERB
cjfa-18794	183	27	to	to	PART
cjfa-18794	183	28	be	be	AUX
cjfa-18794	183	29	positive	positive	ADJ
cjfa-18794	183	30	.	.	PUNCT
cjfa-18794	184	1	again	again	ADV
cjfa-18794	184	2	,	,	PUNCT
cjfa-18794	184	3	in	in	ADP
cjfa-18794	184	4	order	order	NOUN
cjfa-18794	184	5	to	to	PART
cjfa-18794	184	6	use	use	VERB
cjfa-18794	184	7	a	a	DET
cjfa-18794	184	8	possibly	possibly	ADV
cjfa-18794	184	9	most	most	ADV
cjfa-18794	184	10	complete	complete	ADJ
cjfa-18794	184	11	time	time	NOUN
cjfa-18794	184	12	series	series	NOUN
cjfa-18794	184	13	,	,	PUNCT
cjfa-18794	184	14	the	the	DET
cjfa-18794	184	15	housing	housing	NOUN
cjfa-18794	184	16	rental	rental	NOUN
cjfa-18794	184	17	price	price	NOUN
cjfa-18794	184	18	index	index	NOUN
cjfa-18794	184	19	has	have	AUX
cjfa-18794	184	20	been	be	AUX
cjfa-18794	184	21	employed	employ	VERB
cjfa-18794	184	22	in	in	ADP
cjfa-18794	184	23	the	the	DET
cjfa-18794	184	24	model	model	NOUN
cjfa-18794	184	25	as	as	ADP
cjfa-18794	184	26	an	an	DET
cjfa-18794	184	27	explanatory	explanatory	ADJ
cjfa-18794	184	28	variable	variable	NOUN
cjfa-18794	184	29	.	.	PUNCT
cjfa-18794	185	1	finally	finally	ADV
cjfa-18794	185	2	,	,	PUNCT
cjfa-18794	185	3	both	both	CCONJ
cjfa-18794	185	4	wider	wide	ADJ
cjfa-18794	185	5	wage	wage	NOUN
cjfa-18794	185	6	-	-	PUNCT
cjfa-18794	185	7	productivity	productivity	NOUN
cjfa-18794	185	8	gaps	gap	NOUN
cjfa-18794	185	9	and	and	CCONJ
cjfa-18794	185	10	more	more	ADV
cjfa-18794	185	11	unequal	unequal	ADJ
cjfa-18794	185	12	distribution	distribution	NOUN
cjfa-18794	185	13	of	of	ADP
cjfa-18794	185	14	incomes	income	NOUN
cjfa-18794	185	15	might	might	AUX
cjfa-18794	185	16	encourage	encourage	VERB
cjfa-18794	185	17	poorer	poor	ADJ
cjfa-18794	185	18	households	household	NOUN
cjfa-18794	185	19	to	to	PART
cjfa-18794	185	20	fuel	fuel	VERB
cjfa-18794	185	21	consumption	consumption	NOUN
cjfa-18794	185	22	with	with	ADP
cjfa-18794	185	23	debt	debt	NOUN
cjfa-18794	185	24	in	in	ADP
cjfa-18794	185	25	order	order	NOUN
cjfa-18794	185	26	to	to	PART
cjfa-18794	185	27	reduce	reduce	VERB
cjfa-18794	185	28	the	the	DET
cjfa-18794	185	29	distance	distance	NOUN
cjfa-18794	185	30	from	from	ADP
cjfa-18794	185	31	their	their	PRON
cjfa-18794	185	32	richer	rich	ADJ
cjfa-18794	185	33	peers	peer	NOUN
cjfa-18794	185	34	,	,	PUNCT
cjfa-18794	185	35	which	which	PRON
cjfa-18794	185	36	allows	allow	VERB
cjfa-18794	185	37	to	to	PART
cjfa-18794	185	38	expect	expect	VERB
cjfa-18794	185	39	positive	positive	ADJ
cjfa-18794	185	40	estimates	estimate	NOUN
cjfa-18794	185	41	of	of	ADP
cjfa-18794	185	42	the	the	DET
cjfa-18794	185	43	coefficients	coefficient	NOUN
cjfa-18794	185	44	β8	β8	ADJ
cjfa-18794	185	45	and	and	CCONJ
cjfa-18794	185	46	β9	β9	ADJ
cjfa-18794	185	47	.	.	PUNCT
cjfa-18794	186	1	–	–	PUNCT
cjfa-18794	186	2	natural	natural	ADJ
cjfa-18794	186	3	log	log	NOUN
cjfa-18794	186	4	of	of	ADP
cjfa-18794	186	5	the	the	DET
cjfa-18794	186	6	gini	gini	PROPN
cjfa-18794	186	7	coefficient	coefficient	NOUN
cjfa-18794	186	8	for	for	ADP
cjfa-18794	186	9	net	net	ADJ
cjfa-18794	186	10	disposable	disposable	ADJ
cjfa-18794	186	11	income	income	NOUN
cjfa-18794	186	12	,	,	PUNCT
cjfa-18794	186	13	‒	‒	X
cjfa-18794	186	14	‒	‒	ADP
cjfa-18794	186	15	�	�	PROPN
cjfa-18794	186	16	�	�	PROPN
cjfa-18794	186	17	�	�	PROPN
cjfa-18794	186	18	�	�	PROPN
cjfa-18794	186	19	�	�	PROPN
cjfa-18794	186	20	�	�	PROPN
cjfa-18794	186	21	�	�	PROPN
cjfa-18794	186	22	–	–	PUNCT
cjfa-18794	186	23	wage	wage	NOUN
cjfa-18794	186	24	-	-	PUNCT
cjfa-18794	186	25	productivity	productivity	NOUN
cjfa-18794	186	26	gap	gap	NOUN
cjfa-18794	186	27	measured	measure	VERB
cjfa-18794	186	28	as	as	ADP
cjfa-18794	186	29	the	the	DET
cjfa-18794	186	30	natural	natural	ADJ
cjfa-18794	186	31	log	log	NOUN
cjfa-18794	186	32	of	of	ADP
cjfa-18794	186	33	the	the	DET
cjfa-18794	186	34	relation	relation	NOUN
cjfa-18794	186	35	of	of	ADP
cjfa-18794	186	36	gdp	gdp	NOUN
cjfa-18794	186	37	per	per	ADP
cjfa-18794	186	38	person	person	NOUN
cjfa-18794	186	39	employed	employ	VERB
cjfa-18794	186	40	to	to	PART
cjfa-18794	186	41	average	average	ADJ
cjfa-18794	186	42	annual	annual	ADJ
cjfa-18794	186	43	wage	wage	NOUN
cjfa-18794	186	44	,	,	PUNCT
cjfa-18794	186	45	‒	‒	X
cjfa-18794	186	46	�	�	PROPN
cjfa-18794	186	47	�	�	PROPN
cjfa-18794	186	48	�	�	PROPN
cjfa-18794	186	49	�	�	PROPN
cjfa-18794	186	50	�	�	PROPN
cjfa-18794	186	51	–	–	PUNCT
cjfa-18794	186	52	natural	natural	ADJ
cjfa-18794	186	53	log	log	NOUN
cjfa-18794	186	54	of	of	ADP
cjfa-18794	186	55	the	the	DET
cjfa-18794	186	56	gini	gini	PROPN
cjfa-18794	186	57	coefficient	coefficient	NOUN
cjfa-18794	186	58	for	for	ADP
cjfa-18794	186	59	net	net	ADJ
cjfa-18794	186	60	disposable	disposable	ADJ
cjfa-18794	186	61	income	income	NOUN
cjfa-18794	186	62	,	,	PUNCT
cjfa-18794	186	63	‒	‒	X
cjfa-18794	186	64	�	�	PROPN
cjfa-18794	186	65	�	�	PROPN
cjfa-18794	186	66	�	�	PROPN
cjfa-18794	186	67	�	�	PROPN
cjfa-18794	186	68	�	�	PROPN
cjfa-18794	186	69	�	�	PROPN
cjfa-18794	186	70	�	�	PROPN
cjfa-18794	186	71	�	�	PROPN
cjfa-18794	186	72	�	�	PROPN
cjfa-18794	186	73	�	�	PROPN
cjfa-18794	186	74	–	–	PUNCT
cjfa-18794	186	75	regression	regression	NOUN
cjfa-18794	186	76	coefficients	coefficient	NOUN
cjfa-18794	186	77	,	,	PUNCT
cjfa-18794	186	78	‒	‒	X
cjfa-18794	186	79	�	�	PROPN
cjfa-18794	186	80	�	�	PROPN
cjfa-18794	186	81	–	–	PUNCT
cjfa-18794	186	82	intercept	intercept	NOUN
cjfa-18794	186	83	,	,	PUNCT
cjfa-18794	186	84	‒	‒	X
cjfa-18794	186	85	�	�	PROPN
cjfa-18794	186	86	�	�	PROPN
cjfa-18794	186	87	–	–	PUNCT
cjfa-18794	186	88	unknown	unknown	ADJ
cjfa-18794	186	89	intercept	intercept	NOUN
cjfa-18794	186	90	for	for	ADP
cjfa-18794	186	91	each	each	DET
cjfa-18794	186	92	country	country	NOUN
cjfa-18794	186	93	,	,	PUNCT
cjfa-18794	186	94	‒	‒	X
cjfa-18794	186	95	�	�	PROPN
cjfa-18794	186	96	–	–	PUNCT
cjfa-18794	186	97	country	country	NOUN
cjfa-18794	186	98	,	,	PUNCT
cjfa-18794	186	99	‒	‒	X
cjfa-18794	186	100	�	�	PROPN
cjfa-18794	186	101	–	–	PUNCT
cjfa-18794	186	102	year	year	NOUN
cjfa-18794	186	103	,	,	PUNCT
cjfa-18794	186	104	‒	‒	X
cjfa-18794	186	105	�	�	PROPN
cjfa-18794	186	106	�	�	PROPN
cjfa-18794	186	107	�	�	PROPN
cjfa-18794	186	108	–	–	PUNCT
cjfa-18794	186	109	error	error	NOUN
cjfa-18794	186	110	term	term	NOUN
cjfa-18794	186	111	.	.	PUNCT
cjfa-18794	187	1	as	as	SCONJ
cjfa-18794	187	2	regards	regard	VERB
cjfa-18794	187	3	the	the	DET
cjfa-18794	187	4	expected	expect	VERB
cjfa-18794	187	5	signs	sign	NOUN
cjfa-18794	187	6	of	of	ADP
cjfa-18794	187	7	the	the	DET
cjfa-18794	187	8	regression	regression	NOUN
cjfa-18794	187	9	coefficients	coefficient	NOUN
cjfa-18794	187	10	,	,	PUNCT
cjfa-18794	187	11	both	both	PRON
cjfa-18794	187	12	higher	high	ADJ
cjfa-18794	187	13	average	average	ADJ
cjfa-18794	187	14	wages	wage	NOUN
cjfa-18794	187	15	and	and	CCONJ
cjfa-18794	187	16	faster	fast	ADJ
cjfa-18794	187	17	gdp	gdp	NOUN
cjfa-18794	187	18	growth	growth	NOUN
cjfa-18794	187	19	should	should	AUX
cjfa-18794	187	20	generally	generally	ADV
cjfa-18794	187	21	fuel	fuel	VERB
cjfa-18794	187	22	borrowing	borrowing	NOUN
cjfa-18794	187	23	,	,	PUNCT
cjfa-18794	187	24	as	as	SCONJ
cjfa-18794	187	25	they	they	PRON
cjfa-18794	187	26	improve	improve	VERB
cjfa-18794	187	27	households	household	NOUN
cjfa-18794	187	28	’	'	PUNCT
cjfa-18794	187	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	187	30	and	and	CCONJ
cjfa-18794	187	31	boost	boost	VERB
cjfa-18794	187	32	their	their	PRON
cjfa-18794	187	33	optimism	optimism	NOUN
cjfa-18794	187	34	about	about	ADP
cjfa-18794	187	35	the	the	DET
cjfa-18794	187	36	future	future	ADJ
cjfa-18794	187	37	income	income	NOUN
cjfa-18794	187	38	prospects	prospect	NOUN
cjfa-18794	187	39	,	,	PUNCT
cjfa-18794	187	40	allowing	allow	VERB
cjfa-18794	187	41	them	they	PRON
cjfa-18794	187	42	to	to	PART
cjfa-18794	187	43	take	take	VERB
cjfa-18794	187	44	on	on	ADP
cjfa-18794	187	45	larger	large	ADJ
cjfa-18794	187	46	loans	loan	NOUN
cjfa-18794	187	47	.	.	PUNCT
cjfa-18794	188	1	the	the	DET
cjfa-18794	188	2	estimates	estimate	NOUN
cjfa-18794	188	3	of	of	ADP
cjfa-18794	188	4	the	the	DET
cjfa-18794	188	5	coefficients	coefficient	NOUN
cjfa-18794	188	6	β1	β1	PROPN
cjfa-18794	188	7	and	and	CCONJ
cjfa-18794	188	8	β2	β2	NOUN
cjfa-18794	188	9	are	be	AUX
cjfa-18794	188	10	,	,	PUNCT
cjfa-18794	188	11	therefore	therefore	ADV
cjfa-18794	188	12	,	,	PUNCT
cjfa-18794	188	13	expected	expect	VERB
cjfa-18794	188	14	to	to	PART
cjfa-18794	188	15	be	be	AUX
cjfa-18794	188	16	positive	positive	ADJ
cjfa-18794	188	17	.	.	PUNCT
cjfa-18794	189	1	however	however	ADV
cjfa-18794	189	2	,	,	PUNCT
cjfa-18794	189	3	it	it	PRON
cjfa-18794	189	4	is	be	AUX
cjfa-18794	189	5	possible	possible	ADJ
cjfa-18794	189	6	that	that	SCONJ
cjfa-18794	189	7	they	they	PRON
cjfa-18794	189	8	become	become	VERB
cjfa-18794	189	9	negative	negative	ADJ
cjfa-18794	189	10	if	if	SCONJ
cjfa-18794	189	11	household	household	NOUN
cjfa-18794	189	12	incomes	income	NOUN
cjfa-18794	189	13	should	should	AUX
cjfa-18794	189	14	grow	grow	VERB
cjfa-18794	189	15	faster	fast	ADV
cjfa-18794	189	16	than	than	ADP
cjfa-18794	189	17	the	the	DET
cjfa-18794	189	18	stock	stock	NOUN
cjfa-18794	189	19	of	of	ADP
cjfa-18794	189	20	debt	debt	NOUN
cjfa-18794	189	21	.	.	PUNCT
cjfa-18794	190	1	the	the	DET
cjfa-18794	190	2	interest	interest	NOUN
cjfa-18794	190	3	rate	rate	NOUN
cjfa-18794	190	4	is	be	AUX
cjfa-18794	190	5	expected	expect	VERB
cjfa-18794	190	6	to	to	PART
cjfa-18794	190	7	be	be	AUX
cjfa-18794	190	8	inversely	inversely	ADV
cjfa-18794	190	9	related	relate	VERB
cjfa-18794	190	10	to	to	ADP
cjfa-18794	190	11	the	the	DET
cjfa-18794	190	12	dti	dti	PROPN
cjfa-18794	190	13	ratio	ratio	NOUN
cjfa-18794	190	14	resulting	result	VERB
cjfa-18794	190	15	in	in	ADP
cjfa-18794	190	16	a	a	DET
cjfa-18794	190	17	negative	negative	ADJ
cjfa-18794	190	18	estimate	estimate	NOUN
cjfa-18794	190	19	of	of	ADP
cjfa-18794	190	20	the	the	DET
cjfa-18794	190	21	coefficient	coefficient	NOUN
cjfa-18794	190	22	β3	β3	ADJ
cjfa-18794	190	23	.	.	PUNCT
cjfa-18794	191	1	although	although	SCONJ
cjfa-18794	191	2	the	the	DET
cjfa-18794	191	3	prevalence	prevalence	NOUN
cjfa-18794	191	4	of	of	ADP
cjfa-18794	191	5	mortgage	mortgage	NOUN
cjfa-18794	191	6	debt	debt	NOUN
cjfa-18794	191	7	suggests	suggest	VERB
cjfa-18794	191	8	using	use	VERB
cjfa-18794	191	9	a	a	DET
cjfa-18794	191	10	long	long	ADJ
cjfa-18794	191	11	-	-	PUNCT
cjfa-18794	191	12	term	term	NOUN
cjfa-18794	191	13	interest	interest	NOUN
cjfa-18794	191	14	rate	rate	NOUN
cjfa-18794	191	15	as	as	ADP
cjfa-18794	191	16	an	an	DET
cjfa-18794	191	17	explanatory	explanatory	ADJ
cjfa-18794	191	18	variable	variable	NOUN
cjfa-18794	191	19	,	,	PUNCT
cjfa-18794	191	20	given	give	VERB
cjfa-18794	191	21	a	a	DET
cjfa-18794	191	22	strong	strong	ADJ
cjfa-18794	191	23	positive	positive	ADJ
cjfa-18794	191	24	correlation	correlation	NOUN
cjfa-18794	191	25	between	between	ADP
cjfa-18794	191	26	long	long	ADJ
cjfa-18794	191	27	and	and	CCONJ
cjfa-18794	191	28	short	short	ADJ
cjfa-18794	191	29	-	-	PUNCT
cjfa-18794	191	30	term	term	NOUN
cjfa-18794	191	31	interest	interest	NOUN
cjfa-18794	191	32	rates	rate	NOUN
cjfa-18794	191	33	,	,	PUNCT
cjfa-18794	191	34	and	and	CCONJ
cjfa-18794	191	35	a	a	DET
cjfa-18794	191	36	much	much	ADV
cjfa-18794	191	37	higher	high	ADJ
cjfa-18794	191	38	number	number	NOUN
cjfa-18794	191	39	of	of	ADP
cjfa-18794	191	40	available	available	ADJ
cjfa-18794	191	41	observations	observation	NOUN
cjfa-18794	191	42	for	for	ADP
cjfa-18794	191	43	the	the	DET
cjfa-18794	191	44	latter	latter	ADJ
cjfa-18794	191	45	one	one	NOUN
cjfa-18794	191	46	,	,	PUNCT
cjfa-18794	191	47	it	it	PRON
cjfa-18794	191	48	has	have	AUX
cjfa-18794	191	49	been	be	AUX
cjfa-18794	191	50	employed	employ	VERB
cjfa-18794	191	51	in	in	ADP
cjfa-18794	191	52	the	the	DET
cjfa-18794	191	53	model	model	NOUN
cjfa-18794	191	54	.	.	PUNCT
cjfa-18794	192	1	the	the	DET
cjfa-18794	192	2	estimate	estimate	NOUN
cjfa-18794	192	3	of	of	ADP
cjfa-18794	192	4	the	the	DET
cjfa-18794	192	5	coefficient	coefficient	NOUN
cjfa-18794	192	6	β4	β4	PROPN
cjfa-18794	192	7	is	be	AUX
cjfa-18794	192	8	expected	expect	VERB
cjfa-18794	192	9	to	to	PART
cjfa-18794	192	10	be	be	AUX
cjfa-18794	192	11	negative	negative	ADJ
cjfa-18794	192	12	since	since	SCONJ
cjfa-18794	192	13	growing	grow	VERB
cjfa-18794	192	14	unemployment	unemployment	NOUN
cjfa-18794	192	15	makes	make	VERB
cjfa-18794	192	16	households	household	NOUN
cjfa-18794	192	17	’	'	PUNCT
cjfa-18794	192	18	future	future	ADJ
cjfa-18794	192	19	incomes	income	NOUN
cjfa-18794	192	20	less	less	ADV
cjfa-18794	192	21	predictable	predictable	ADJ
cjfa-18794	192	22	thus	thus	ADV
cjfa-18794	192	23	discouraging	discourage	VERB
cjfa-18794	192	24	them	they	PRON
cjfa-18794	192	25	from	from	ADP
cjfa-18794	192	26	taking	take	VERB
cjfa-18794	192	27	on	on	ADP
cjfa-18794	192	28	additional	additional	ADJ
cjfa-18794	192	29	debt	debt	NOUN
cjfa-18794	192	30	.	.	PUNCT
cjfa-18794	193	1	according	accord	VERB
cjfa-18794	193	2	to	to	ADP
cjfa-18794	193	3	the	the	DET
cjfa-18794	193	4	available	available	ADJ
cjfa-18794	193	5	evidence	evidence	NOUN
cjfa-18794	193	6	,	,	PUNCT
cjfa-18794	193	7	the	the	DET
cjfa-18794	193	8	highest	high	ADJ
cjfa-18794	193	9	household	household	NOUN
cjfa-18794	193	10	indebtedness	indebtedness	NOUN
cjfa-18794	193	11	is	be	AUX
cjfa-18794	193	12	expected	expect	VERB
cjfa-18794	193	13	for	for	ADP
cjfa-18794	193	14	the	the	DET
cjfa-18794	193	15	middle	middle	ADJ
cjfa-18794	193	16	-	-	PUNCT
cjfa-18794	193	17	aged	aged	ADJ
cjfa-18794	193	18	cohorts	cohort	NOUN
cjfa-18794	193	19	and	and	CCONJ
cjfa-18794	193	20	for	for	ADP
cjfa-18794	193	21	the	the	DET
cjfa-18794	193	22	persons	person	NOUN
cjfa-18794	193	23	with	with	ADP
cjfa-18794	193	24	higher	high	ADJ
cjfa-18794	193	25	education	education	NOUN
cjfa-18794	193	26	attainment	attainment	NOUN
cjfa-18794	193	27	,	,	PUNCT
cjfa-18794	193	28	which	which	PRON
cjfa-18794	193	29	suggests	suggest	VERB
cjfa-18794	193	30	positive	positive	ADJ
cjfa-18794	193	31	estimates	estimate	NOUN
cjfa-18794	193	32	of	of	ADP
cjfa-18794	193	33	the	the	DET
cjfa-18794	193	34	coefficients	coefficient	NOUN
cjfa-18794	193	35	β5	β5	NOUN
cjfa-18794	193	36	and	and	CCONJ
cjfa-18794	193	37	β6	β6	PROPN
cjfa-18794	193	38	.	.	PUNCT
cjfa-18794	194	1	given	give	VERB
cjfa-18794	194	2	that	that	SCONJ
cjfa-18794	194	3	the	the	DET
cjfa-18794	194	4	growth	growth	NOUN
cjfa-18794	194	5	of	of	ADP
cjfa-18794	194	6	housing	housing	NOUN
cjfa-18794	194	7	prices	price	NOUN
cjfa-18794	194	8	fuels	fuel	VERB
cjfa-18794	194	9	household	household	NOUN
cjfa-18794	194	10	borrowing	borrowing	NOUN
cjfa-18794	194	11	,	,	PUNCT
cjfa-18794	194	12	while	while	SCONJ
cjfa-18794	194	13	their	their	PRON
cjfa-18794	194	14	decrease	decrease	NOUN
cjfa-18794	194	15	discourages	discourage	VERB
cjfa-18794	194	16	it	it	PRON
cjfa-18794	194	17	,	,	PUNCT
cjfa-18794	194	18	the	the	DET
cjfa-18794	194	19	estimated	estimate	VERB
cjfa-18794	194	20	value	value	NOUN
cjfa-18794	194	21	of	of	ADP
cjfa-18794	194	22	the	the	DET
cjfa-18794	194	23	coefficient	coefficient	NOUN
cjfa-18794	194	24	β7	β7	PROPN
cjfa-18794	194	25	is	be	AUX
cjfa-18794	194	26	expected	expect	VERB
cjfa-18794	194	27	to	to	PART
cjfa-18794	194	28	be	be	AUX
cjfa-18794	194	29	positive	positive	ADJ
cjfa-18794	194	30	.	.	PUNCT
cjfa-18794	195	1	again	again	ADV
cjfa-18794	195	2	,	,	PUNCT
cjfa-18794	195	3	in	in	ADP
cjfa-18794	195	4	order	order	NOUN
cjfa-18794	195	5	to	to	PART
cjfa-18794	195	6	use	use	VERB
cjfa-18794	195	7	a	a	DET
cjfa-18794	195	8	possibly	possibly	ADV
cjfa-18794	195	9	most	most	ADV
cjfa-18794	195	10	complete	complete	ADJ
cjfa-18794	195	11	time	time	NOUN
cjfa-18794	195	12	series	series	NOUN
cjfa-18794	195	13	,	,	PUNCT
cjfa-18794	195	14	the	the	DET
cjfa-18794	195	15	housing	housing	NOUN
cjfa-18794	195	16	rental	rental	NOUN
cjfa-18794	195	17	price	price	NOUN
cjfa-18794	195	18	index	index	NOUN
cjfa-18794	195	19	has	have	AUX
cjfa-18794	195	20	been	be	AUX
cjfa-18794	195	21	employed	employ	VERB
cjfa-18794	195	22	in	in	ADP
cjfa-18794	195	23	the	the	DET
cjfa-18794	195	24	model	model	NOUN
cjfa-18794	195	25	as	as	ADP
cjfa-18794	195	26	an	an	DET
cjfa-18794	195	27	explanatory	explanatory	ADJ
cjfa-18794	195	28	variable	variable	NOUN
cjfa-18794	195	29	.	.	PUNCT
cjfa-18794	196	1	finally	finally	ADV
cjfa-18794	196	2	,	,	PUNCT
cjfa-18794	196	3	both	both	CCONJ
cjfa-18794	196	4	wider	wide	ADJ
cjfa-18794	196	5	wage	wage	NOUN
cjfa-18794	196	6	-	-	PUNCT
cjfa-18794	196	7	productivity	productivity	NOUN
cjfa-18794	196	8	gaps	gap	NOUN
cjfa-18794	196	9	and	and	CCONJ
cjfa-18794	196	10	more	more	ADV
cjfa-18794	196	11	unequal	unequal	ADJ
cjfa-18794	196	12	distribution	distribution	NOUN
cjfa-18794	196	13	of	of	ADP
cjfa-18794	196	14	incomes	income	NOUN
cjfa-18794	196	15	might	might	AUX
cjfa-18794	196	16	encourage	encourage	VERB
cjfa-18794	196	17	poorer	poor	ADJ
cjfa-18794	196	18	households	household	NOUN
cjfa-18794	196	19	to	to	PART
cjfa-18794	196	20	fuel	fuel	VERB
cjfa-18794	196	21	consumption	consumption	NOUN
cjfa-18794	196	22	with	with	ADP
cjfa-18794	196	23	debt	debt	NOUN
cjfa-18794	196	24	in	in	ADP
cjfa-18794	196	25	order	order	NOUN
cjfa-18794	196	26	to	to	PART
cjfa-18794	196	27	reduce	reduce	VERB
cjfa-18794	196	28	the	the	DET
cjfa-18794	196	29	distance	distance	NOUN
cjfa-18794	196	30	from	from	ADP
cjfa-18794	196	31	their	their	PRON
cjfa-18794	196	32	richer	rich	ADJ
cjfa-18794	196	33	peers	peer	NOUN
cjfa-18794	196	34	,	,	PUNCT
cjfa-18794	196	35	which	which	PRON
cjfa-18794	196	36	allows	allow	VERB
cjfa-18794	196	37	to	to	PART
cjfa-18794	196	38	expect	expect	VERB
cjfa-18794	196	39	positive	positive	ADJ
cjfa-18794	196	40	estimates	estimate	NOUN
cjfa-18794	196	41	of	of	ADP
cjfa-18794	196	42	the	the	DET
cjfa-18794	196	43	coefficients	coefficient	NOUN
cjfa-18794	196	44	β8	β8	ADJ
cjfa-18794	196	45	and	and	CCONJ
cjfa-18794	196	46	β9	β9	ADJ
cjfa-18794	196	47	.	.	PUNCT
cjfa-18794	197	1	–	–	PUNCT
cjfa-18794	197	2	regression	regression	NOUN
cjfa-18794	197	3	coefficients	coefficient	NOUN
cjfa-18794	197	4	,	,	PUNCT
cjfa-18794	197	5	‒	‒	X
cjfa-18794	197	6	‒	‒	ADP
cjfa-18794	197	7	�	�	PROPN
cjfa-18794	197	8	�	�	PROPN
cjfa-18794	197	9	�	�	PROPN
cjfa-18794	197	10	�	�	PROPN
cjfa-18794	197	11	�	�	PROPN
cjfa-18794	197	12	�	�	PROPN
cjfa-18794	197	13	�	�	PROPN
cjfa-18794	197	14	–	–	PUNCT
cjfa-18794	197	15	wage	wage	NOUN
cjfa-18794	197	16	-	-	PUNCT
cjfa-18794	197	17	productivity	productivity	NOUN
cjfa-18794	197	18	gap	gap	NOUN
cjfa-18794	197	19	measured	measure	VERB
cjfa-18794	197	20	as	as	ADP
cjfa-18794	197	21	the	the	DET
cjfa-18794	197	22	natural	natural	ADJ
cjfa-18794	197	23	log	log	NOUN
cjfa-18794	197	24	of	of	ADP
cjfa-18794	197	25	the	the	DET
cjfa-18794	197	26	relation	relation	NOUN
cjfa-18794	197	27	of	of	ADP
cjfa-18794	197	28	gdp	gdp	NOUN
cjfa-18794	197	29	per	per	ADP
cjfa-18794	197	30	person	person	NOUN
cjfa-18794	197	31	employed	employ	VERB
cjfa-18794	197	32	to	to	PART
cjfa-18794	197	33	average	average	ADJ
cjfa-18794	197	34	annual	annual	ADJ
cjfa-18794	197	35	wage	wage	NOUN
cjfa-18794	197	36	,	,	PUNCT
cjfa-18794	197	37	‒	‒	X
cjfa-18794	197	38	�	�	PROPN
cjfa-18794	197	39	�	�	PROPN
cjfa-18794	197	40	�	�	PROPN
cjfa-18794	197	41	�	�	PROPN
cjfa-18794	197	42	�	�	PROPN
cjfa-18794	197	43	–	–	PUNCT
cjfa-18794	197	44	natural	natural	ADJ
cjfa-18794	197	45	log	log	NOUN
cjfa-18794	197	46	of	of	ADP
cjfa-18794	197	47	the	the	DET
cjfa-18794	197	48	gini	gini	PROPN
cjfa-18794	197	49	coefficient	coefficient	NOUN
cjfa-18794	197	50	for	for	ADP
cjfa-18794	197	51	net	net	ADJ
cjfa-18794	197	52	disposable	disposable	ADJ
cjfa-18794	197	53	income	income	NOUN
cjfa-18794	197	54	,	,	PUNCT
cjfa-18794	197	55	‒	‒	X
cjfa-18794	197	56	�	�	PROPN
cjfa-18794	197	57	�	�	PROPN
cjfa-18794	197	58	�	�	PROPN
cjfa-18794	197	59	�	�	PROPN
cjfa-18794	197	60	�	�	PROPN
cjfa-18794	197	61	�	�	PROPN
cjfa-18794	197	62	�	�	PROPN
cjfa-18794	197	63	�	�	PROPN
cjfa-18794	197	64	�	�	PROPN
cjfa-18794	197	65	�	�	PROPN
cjfa-18794	197	66	–	–	PUNCT
cjfa-18794	197	67	regression	regression	NOUN
cjfa-18794	197	68	coefficients	coefficient	NOUN
cjfa-18794	197	69	,	,	PUNCT
cjfa-18794	197	70	‒	‒	X
cjfa-18794	197	71	�	�	PROPN
cjfa-18794	197	72	�	�	PROPN
cjfa-18794	197	73	–	–	PUNCT
cjfa-18794	197	74	intercept	intercept	NOUN
cjfa-18794	197	75	,	,	PUNCT
cjfa-18794	197	76	‒	‒	X
cjfa-18794	197	77	�	�	PROPN
cjfa-18794	197	78	�	�	PROPN
cjfa-18794	197	79	–	–	PUNCT
cjfa-18794	197	80	unknown	unknown	ADJ
cjfa-18794	197	81	intercept	intercept	NOUN
cjfa-18794	197	82	for	for	ADP
cjfa-18794	197	83	each	each	DET
cjfa-18794	197	84	country	country	NOUN
cjfa-18794	197	85	,	,	PUNCT
cjfa-18794	197	86	‒	‒	X
cjfa-18794	197	87	�	�	PROPN
cjfa-18794	197	88	–	–	PUNCT
cjfa-18794	197	89	country	country	NOUN
cjfa-18794	197	90	,	,	PUNCT
cjfa-18794	197	91	‒	‒	X
cjfa-18794	197	92	�	�	PROPN
cjfa-18794	197	93	–	–	PUNCT
cjfa-18794	197	94	year	year	NOUN
cjfa-18794	197	95	,	,	PUNCT
cjfa-18794	197	96	‒	‒	X
cjfa-18794	197	97	�	�	PROPN
cjfa-18794	197	98	�	�	PROPN
cjfa-18794	197	99	�	�	PROPN
cjfa-18794	197	100	–	–	PUNCT
cjfa-18794	197	101	error	error	NOUN
cjfa-18794	197	102	term	term	NOUN
cjfa-18794	197	103	.	.	PUNCT
cjfa-18794	198	1	as	as	SCONJ
cjfa-18794	198	2	regards	regard	VERB
cjfa-18794	198	3	the	the	DET
cjfa-18794	198	4	expected	expect	VERB
cjfa-18794	198	5	signs	sign	NOUN
cjfa-18794	198	6	of	of	ADP
cjfa-18794	198	7	the	the	DET
cjfa-18794	198	8	regression	regression	NOUN
cjfa-18794	198	9	coefficients	coefficient	NOUN
cjfa-18794	198	10	,	,	PUNCT
cjfa-18794	198	11	both	both	PRON
cjfa-18794	198	12	higher	high	ADJ
cjfa-18794	198	13	average	average	ADJ
cjfa-18794	198	14	wages	wage	NOUN
cjfa-18794	198	15	and	and	CCONJ
cjfa-18794	198	16	faster	fast	ADJ
cjfa-18794	198	17	gdp	gdp	NOUN
cjfa-18794	198	18	growth	growth	NOUN
cjfa-18794	198	19	should	should	AUX
cjfa-18794	198	20	generally	generally	ADV
cjfa-18794	198	21	fuel	fuel	VERB
cjfa-18794	198	22	borrowing	borrowing	NOUN
cjfa-18794	198	23	,	,	PUNCT
cjfa-18794	198	24	as	as	SCONJ
cjfa-18794	198	25	they	they	PRON
cjfa-18794	198	26	improve	improve	VERB
cjfa-18794	198	27	households	household	NOUN
cjfa-18794	198	28	’	'	PUNCT
cjfa-18794	198	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	198	30	and	and	CCONJ
cjfa-18794	198	31	boost	boost	VERB
cjfa-18794	198	32	their	their	PRON
cjfa-18794	198	33	optimism	optimism	NOUN
cjfa-18794	198	34	about	about	ADP
cjfa-18794	198	35	the	the	DET
cjfa-18794	198	36	future	future	ADJ
cjfa-18794	198	37	income	income	NOUN
cjfa-18794	198	38	prospects	prospect	NOUN
cjfa-18794	198	39	,	,	PUNCT
cjfa-18794	198	40	allowing	allow	VERB
cjfa-18794	198	41	them	they	PRON
cjfa-18794	198	42	to	to	PART
cjfa-18794	198	43	take	take	VERB
cjfa-18794	198	44	on	on	ADP
cjfa-18794	198	45	larger	large	ADJ
cjfa-18794	198	46	loans	loan	NOUN
cjfa-18794	198	47	.	.	PUNCT
cjfa-18794	199	1	the	the	DET
cjfa-18794	199	2	estimates	estimate	NOUN
cjfa-18794	199	3	of	of	ADP
cjfa-18794	199	4	the	the	DET
cjfa-18794	199	5	coefficients	coefficient	NOUN
cjfa-18794	199	6	β1	β1	PROPN
cjfa-18794	199	7	and	and	CCONJ
cjfa-18794	199	8	β2	β2	NOUN
cjfa-18794	199	9	are	be	AUX
cjfa-18794	199	10	,	,	PUNCT
cjfa-18794	199	11	therefore	therefore	ADV
cjfa-18794	199	12	,	,	PUNCT
cjfa-18794	199	13	expected	expect	VERB
cjfa-18794	199	14	to	to	PART
cjfa-18794	199	15	be	be	AUX
cjfa-18794	199	16	positive	positive	ADJ
cjfa-18794	199	17	.	.	PUNCT
cjfa-18794	200	1	however	however	ADV
cjfa-18794	200	2	,	,	PUNCT
cjfa-18794	200	3	it	it	PRON
cjfa-18794	200	4	is	be	AUX
cjfa-18794	200	5	possible	possible	ADJ
cjfa-18794	200	6	that	that	SCONJ
cjfa-18794	200	7	they	they	PRON
cjfa-18794	200	8	become	become	VERB
cjfa-18794	200	9	negative	negative	ADJ
cjfa-18794	200	10	if	if	SCONJ
cjfa-18794	200	11	household	household	NOUN
cjfa-18794	200	12	incomes	income	NOUN
cjfa-18794	200	13	should	should	AUX
cjfa-18794	200	14	grow	grow	VERB
cjfa-18794	200	15	faster	fast	ADV
cjfa-18794	200	16	than	than	ADP
cjfa-18794	200	17	the	the	DET
cjfa-18794	200	18	stock	stock	NOUN
cjfa-18794	200	19	of	of	ADP
cjfa-18794	200	20	debt	debt	NOUN
cjfa-18794	200	21	.	.	PUNCT
cjfa-18794	201	1	the	the	DET
cjfa-18794	201	2	interest	interest	NOUN
cjfa-18794	201	3	rate	rate	NOUN
cjfa-18794	201	4	is	be	AUX
cjfa-18794	201	5	expected	expect	VERB
cjfa-18794	201	6	to	to	PART
cjfa-18794	201	7	be	be	AUX
cjfa-18794	201	8	inversely	inversely	ADV
cjfa-18794	201	9	related	relate	VERB
cjfa-18794	201	10	to	to	ADP
cjfa-18794	201	11	the	the	DET
cjfa-18794	201	12	dti	dti	PROPN
cjfa-18794	201	13	ratio	ratio	NOUN
cjfa-18794	201	14	resulting	result	VERB
cjfa-18794	201	15	in	in	ADP
cjfa-18794	201	16	a	a	DET
cjfa-18794	201	17	negative	negative	ADJ
cjfa-18794	201	18	estimate	estimate	NOUN
cjfa-18794	201	19	of	of	ADP
cjfa-18794	201	20	the	the	DET
cjfa-18794	201	21	coefficient	coefficient	NOUN
cjfa-18794	201	22	β3	β3	ADJ
cjfa-18794	201	23	.	.	PUNCT
cjfa-18794	202	1	although	although	SCONJ
cjfa-18794	202	2	the	the	DET
cjfa-18794	202	3	prevalence	prevalence	NOUN
cjfa-18794	202	4	of	of	ADP
cjfa-18794	202	5	mortgage	mortgage	NOUN
cjfa-18794	202	6	debt	debt	NOUN
cjfa-18794	202	7	suggests	suggest	VERB
cjfa-18794	202	8	using	use	VERB
cjfa-18794	202	9	a	a	DET
cjfa-18794	202	10	long	long	ADJ
cjfa-18794	202	11	-	-	PUNCT
cjfa-18794	202	12	term	term	NOUN
cjfa-18794	202	13	interest	interest	NOUN
cjfa-18794	202	14	rate	rate	NOUN
cjfa-18794	202	15	as	as	ADP
cjfa-18794	202	16	an	an	DET
cjfa-18794	202	17	explanatory	explanatory	ADJ
cjfa-18794	202	18	variable	variable	NOUN
cjfa-18794	202	19	,	,	PUNCT
cjfa-18794	202	20	given	give	VERB
cjfa-18794	202	21	a	a	DET
cjfa-18794	202	22	strong	strong	ADJ
cjfa-18794	202	23	positive	positive	ADJ
cjfa-18794	202	24	correlation	correlation	NOUN
cjfa-18794	202	25	between	between	ADP
cjfa-18794	202	26	long	long	ADJ
cjfa-18794	202	27	and	and	CCONJ
cjfa-18794	202	28	short	short	ADJ
cjfa-18794	202	29	-	-	PUNCT
cjfa-18794	202	30	term	term	NOUN
cjfa-18794	202	31	interest	interest	NOUN
cjfa-18794	202	32	rates	rate	NOUN
cjfa-18794	202	33	,	,	PUNCT
cjfa-18794	202	34	and	and	CCONJ
cjfa-18794	202	35	a	a	DET
cjfa-18794	202	36	much	much	ADV
cjfa-18794	202	37	higher	high	ADJ
cjfa-18794	202	38	number	number	NOUN
cjfa-18794	202	39	of	of	ADP
cjfa-18794	202	40	available	available	ADJ
cjfa-18794	202	41	observations	observation	NOUN
cjfa-18794	202	42	for	for	ADP
cjfa-18794	202	43	the	the	DET
cjfa-18794	202	44	latter	latter	ADJ
cjfa-18794	202	45	one	one	NOUN
cjfa-18794	202	46	,	,	PUNCT
cjfa-18794	202	47	it	it	PRON
cjfa-18794	202	48	has	have	AUX
cjfa-18794	202	49	been	be	AUX
cjfa-18794	202	50	employed	employ	VERB
cjfa-18794	202	51	in	in	ADP
cjfa-18794	202	52	the	the	DET
cjfa-18794	202	53	model	model	NOUN
cjfa-18794	202	54	.	.	PUNCT
cjfa-18794	203	1	the	the	DET
cjfa-18794	203	2	estimate	estimate	NOUN
cjfa-18794	203	3	of	of	ADP
cjfa-18794	203	4	the	the	DET
cjfa-18794	203	5	coefficient	coefficient	NOUN
cjfa-18794	203	6	β4	β4	PROPN
cjfa-18794	203	7	is	be	AUX
cjfa-18794	203	8	expected	expect	VERB
cjfa-18794	203	9	to	to	PART
cjfa-18794	203	10	be	be	AUX
cjfa-18794	203	11	negative	negative	ADJ
cjfa-18794	203	12	since	since	SCONJ
cjfa-18794	203	13	growing	grow	VERB
cjfa-18794	203	14	unemployment	unemployment	NOUN
cjfa-18794	203	15	makes	make	VERB
cjfa-18794	203	16	households	household	NOUN
cjfa-18794	203	17	’	'	PUNCT
cjfa-18794	203	18	future	future	ADJ
cjfa-18794	203	19	incomes	income	NOUN
cjfa-18794	203	20	less	less	ADV
cjfa-18794	203	21	predictable	predictable	ADJ
cjfa-18794	203	22	thus	thus	ADV
cjfa-18794	203	23	discouraging	discourage	VERB
cjfa-18794	203	24	them	they	PRON
cjfa-18794	203	25	from	from	ADP
cjfa-18794	203	26	taking	take	VERB
cjfa-18794	203	27	on	on	ADP
cjfa-18794	203	28	additional	additional	ADJ
cjfa-18794	203	29	debt	debt	NOUN
cjfa-18794	203	30	.	.	PUNCT
cjfa-18794	204	1	according	accord	VERB
cjfa-18794	204	2	to	to	ADP
cjfa-18794	204	3	the	the	DET
cjfa-18794	204	4	available	available	ADJ
cjfa-18794	204	5	evidence	evidence	NOUN
cjfa-18794	204	6	,	,	PUNCT
cjfa-18794	204	7	the	the	DET
cjfa-18794	204	8	highest	high	ADJ
cjfa-18794	204	9	household	household	NOUN
cjfa-18794	204	10	indebtedness	indebtedness	NOUN
cjfa-18794	204	11	is	be	AUX
cjfa-18794	204	12	expected	expect	VERB
cjfa-18794	204	13	for	for	ADP
cjfa-18794	204	14	the	the	DET
cjfa-18794	204	15	middle	middle	ADJ
cjfa-18794	204	16	-	-	PUNCT
cjfa-18794	204	17	aged	aged	ADJ
cjfa-18794	204	18	cohorts	cohort	NOUN
cjfa-18794	204	19	and	and	CCONJ
cjfa-18794	204	20	for	for	ADP
cjfa-18794	204	21	the	the	DET
cjfa-18794	204	22	persons	person	NOUN
cjfa-18794	204	23	with	with	ADP
cjfa-18794	204	24	higher	high	ADJ
cjfa-18794	204	25	education	education	NOUN
cjfa-18794	204	26	attainment	attainment	NOUN
cjfa-18794	204	27	,	,	PUNCT
cjfa-18794	204	28	which	which	PRON
cjfa-18794	204	29	suggests	suggest	VERB
cjfa-18794	204	30	positive	positive	ADJ
cjfa-18794	204	31	estimates	estimate	NOUN
cjfa-18794	204	32	of	of	ADP
cjfa-18794	204	33	the	the	DET
cjfa-18794	204	34	coefficients	coefficient	NOUN
cjfa-18794	204	35	β5	β5	NOUN
cjfa-18794	204	36	and	and	CCONJ
cjfa-18794	204	37	β6	β6	PROPN
cjfa-18794	204	38	.	.	PUNCT
cjfa-18794	205	1	given	give	VERB
cjfa-18794	205	2	that	that	SCONJ
cjfa-18794	205	3	the	the	DET
cjfa-18794	205	4	growth	growth	NOUN
cjfa-18794	205	5	of	of	ADP
cjfa-18794	205	6	housing	housing	NOUN
cjfa-18794	205	7	prices	price	NOUN
cjfa-18794	205	8	fuels	fuel	VERB
cjfa-18794	205	9	household	household	NOUN
cjfa-18794	205	10	borrowing	borrowing	NOUN
cjfa-18794	205	11	,	,	PUNCT
cjfa-18794	205	12	while	while	SCONJ
cjfa-18794	205	13	their	their	PRON
cjfa-18794	205	14	decrease	decrease	NOUN
cjfa-18794	205	15	discourages	discourage	VERB
cjfa-18794	205	16	it	it	PRON
cjfa-18794	205	17	,	,	PUNCT
cjfa-18794	205	18	the	the	DET
cjfa-18794	205	19	estimated	estimate	VERB
cjfa-18794	205	20	value	value	NOUN
cjfa-18794	205	21	of	of	ADP
cjfa-18794	205	22	the	the	DET
cjfa-18794	205	23	coefficient	coefficient	NOUN
cjfa-18794	205	24	β7	β7	PROPN
cjfa-18794	205	25	is	be	AUX
cjfa-18794	205	26	expected	expect	VERB
cjfa-18794	205	27	to	to	PART
cjfa-18794	205	28	be	be	AUX
cjfa-18794	205	29	positive	positive	ADJ
cjfa-18794	205	30	.	.	PUNCT
cjfa-18794	206	1	again	again	ADV
cjfa-18794	206	2	,	,	PUNCT
cjfa-18794	206	3	in	in	ADP
cjfa-18794	206	4	order	order	NOUN
cjfa-18794	206	5	to	to	PART
cjfa-18794	206	6	use	use	VERB
cjfa-18794	206	7	a	a	DET
cjfa-18794	206	8	possibly	possibly	ADV
cjfa-18794	206	9	most	most	ADV
cjfa-18794	206	10	complete	complete	ADJ
cjfa-18794	206	11	time	time	NOUN
cjfa-18794	206	12	series	series	NOUN
cjfa-18794	206	13	,	,	PUNCT
cjfa-18794	206	14	the	the	DET
cjfa-18794	206	15	housing	housing	NOUN
cjfa-18794	206	16	rental	rental	NOUN
cjfa-18794	206	17	price	price	NOUN
cjfa-18794	206	18	index	index	NOUN
cjfa-18794	206	19	has	have	AUX
cjfa-18794	206	20	been	be	AUX
cjfa-18794	206	21	employed	employ	VERB
cjfa-18794	206	22	in	in	ADP
cjfa-18794	206	23	the	the	DET
cjfa-18794	206	24	model	model	NOUN
cjfa-18794	206	25	as	as	ADP
cjfa-18794	206	26	an	an	DET
cjfa-18794	206	27	explanatory	explanatory	ADJ
cjfa-18794	206	28	variable	variable	NOUN
cjfa-18794	206	29	.	.	PUNCT
cjfa-18794	207	1	finally	finally	ADV
cjfa-18794	207	2	,	,	PUNCT
cjfa-18794	207	3	both	both	CCONJ
cjfa-18794	207	4	wider	wide	ADJ
cjfa-18794	207	5	wage	wage	NOUN
cjfa-18794	207	6	-	-	PUNCT
cjfa-18794	207	7	productivity	productivity	NOUN
cjfa-18794	207	8	gaps	gap	NOUN
cjfa-18794	207	9	and	and	CCONJ
cjfa-18794	207	10	more	more	ADV
cjfa-18794	207	11	unequal	unequal	ADJ
cjfa-18794	207	12	distribution	distribution	NOUN
cjfa-18794	207	13	of	of	ADP
cjfa-18794	207	14	incomes	income	NOUN
cjfa-18794	207	15	might	might	AUX
cjfa-18794	207	16	encourage	encourage	VERB
cjfa-18794	207	17	poorer	poor	ADJ
cjfa-18794	207	18	households	household	NOUN
cjfa-18794	207	19	to	to	PART
cjfa-18794	207	20	fuel	fuel	VERB
cjfa-18794	207	21	consumption	consumption	NOUN
cjfa-18794	207	22	with	with	ADP
cjfa-18794	207	23	debt	debt	NOUN
cjfa-18794	207	24	in	in	ADP
cjfa-18794	207	25	order	order	NOUN
cjfa-18794	207	26	to	to	PART
cjfa-18794	207	27	reduce	reduce	VERB
cjfa-18794	207	28	the	the	DET
cjfa-18794	207	29	distance	distance	NOUN
cjfa-18794	207	30	from	from	ADP
cjfa-18794	207	31	their	their	PRON
cjfa-18794	207	32	richer	rich	ADJ
cjfa-18794	207	33	peers	peer	NOUN
cjfa-18794	207	34	,	,	PUNCT
cjfa-18794	207	35	which	which	PRON
cjfa-18794	207	36	allows	allow	VERB
cjfa-18794	207	37	to	to	PART
cjfa-18794	207	38	expect	expect	VERB
cjfa-18794	207	39	positive	positive	ADJ
cjfa-18794	207	40	estimates	estimate	NOUN
cjfa-18794	207	41	of	of	ADP
cjfa-18794	207	42	the	the	DET
cjfa-18794	207	43	coefficients	coefficient	NOUN
cjfa-18794	207	44	β8	β8	ADJ
cjfa-18794	207	45	and	and	CCONJ
cjfa-18794	207	46	β9	β9	ADJ
cjfa-18794	207	47	.	.	PUNCT
cjfa-18794	207	48	–	–	PUNCT
cjfa-18794	207	49	intercept	intercept	NOUN
cjfa-18794	207	50	,	,	PUNCT
cjfa-18794	207	51	‒	‒	X
cjfa-18794	207	52	‒	‒	ADP
cjfa-18794	207	53	�	�	PROPN
cjfa-18794	207	54	�	�	PROPN
cjfa-18794	207	55	�	�	PROPN
cjfa-18794	207	56	�	�	PROPN
cjfa-18794	207	57	�	�	PROPN
cjfa-18794	207	58	�	�	PROPN
cjfa-18794	207	59	�	�	PROPN
cjfa-18794	207	60	–	–	PUNCT
cjfa-18794	207	61	wage	wage	NOUN
cjfa-18794	207	62	-	-	PUNCT
cjfa-18794	207	63	productivity	productivity	NOUN
cjfa-18794	207	64	gap	gap	NOUN
cjfa-18794	207	65	measured	measure	VERB
cjfa-18794	207	66	as	as	ADP
cjfa-18794	207	67	the	the	DET
cjfa-18794	207	68	natural	natural	ADJ
cjfa-18794	207	69	log	log	NOUN
cjfa-18794	207	70	of	of	ADP
cjfa-18794	207	71	the	the	DET
cjfa-18794	207	72	relation	relation	NOUN
cjfa-18794	207	73	of	of	ADP
cjfa-18794	207	74	gdp	gdp	NOUN
cjfa-18794	207	75	per	per	ADP
cjfa-18794	207	76	person	person	NOUN
cjfa-18794	207	77	employed	employ	VERB
cjfa-18794	207	78	to	to	PART
cjfa-18794	207	79	average	average	ADJ
cjfa-18794	207	80	annual	annual	ADJ
cjfa-18794	207	81	wage	wage	NOUN
cjfa-18794	207	82	,	,	PUNCT
cjfa-18794	207	83	‒	‒	X
cjfa-18794	207	84	�	�	PROPN
cjfa-18794	207	85	�	�	PROPN
cjfa-18794	207	86	�	�	PROPN
cjfa-18794	207	87	�	�	PROPN
cjfa-18794	207	88	�	�	PROPN
cjfa-18794	207	89	–	–	PUNCT
cjfa-18794	207	90	natural	natural	ADJ
cjfa-18794	207	91	log	log	NOUN
cjfa-18794	207	92	of	of	ADP
cjfa-18794	207	93	the	the	DET
cjfa-18794	207	94	gini	gini	PROPN
cjfa-18794	207	95	coefficient	coefficient	NOUN
cjfa-18794	207	96	for	for	ADP
cjfa-18794	207	97	net	net	ADJ
cjfa-18794	207	98	disposable	disposable	ADJ
cjfa-18794	207	99	income	income	NOUN
cjfa-18794	207	100	,	,	PUNCT
cjfa-18794	207	101	‒	‒	X
cjfa-18794	207	102	�	�	PROPN
cjfa-18794	207	103	�	�	PROPN
cjfa-18794	207	104	�	�	PROPN
cjfa-18794	207	105	�	�	PROPN
cjfa-18794	207	106	�	�	PROPN
cjfa-18794	207	107	�	�	PROPN
cjfa-18794	207	108	�	�	PROPN
cjfa-18794	207	109	�	�	PROPN
cjfa-18794	207	110	�	�	PROPN
cjfa-18794	207	111	�	�	PROPN
cjfa-18794	207	112	–	–	PUNCT
cjfa-18794	207	113	regression	regression	NOUN
cjfa-18794	207	114	coefficients	coefficient	NOUN
cjfa-18794	207	115	,	,	PUNCT
cjfa-18794	207	116	‒	‒	X
cjfa-18794	207	117	�	�	PROPN
cjfa-18794	207	118	�	�	PROPN
cjfa-18794	207	119	–	–	PUNCT
cjfa-18794	207	120	intercept	intercept	NOUN
cjfa-18794	207	121	,	,	PUNCT
cjfa-18794	207	122	‒	‒	X
cjfa-18794	207	123	�	�	PROPN
cjfa-18794	207	124	�	�	PROPN
cjfa-18794	207	125	–	–	PUNCT
cjfa-18794	207	126	unknown	unknown	ADJ
cjfa-18794	207	127	intercept	intercept	NOUN
cjfa-18794	207	128	for	for	ADP
cjfa-18794	207	129	each	each	DET
cjfa-18794	207	130	country	country	NOUN
cjfa-18794	207	131	,	,	PUNCT
cjfa-18794	207	132	‒	‒	X
cjfa-18794	207	133	�	�	PROPN
cjfa-18794	207	134	–	–	PUNCT
cjfa-18794	207	135	country	country	NOUN
cjfa-18794	207	136	,	,	PUNCT
cjfa-18794	207	137	‒	‒	X
cjfa-18794	207	138	�	�	PROPN
cjfa-18794	207	139	–	–	PUNCT
cjfa-18794	207	140	year	year	NOUN
cjfa-18794	207	141	,	,	PUNCT
cjfa-18794	207	142	‒	‒	X
cjfa-18794	207	143	�	�	PROPN
cjfa-18794	207	144	�	�	PROPN
cjfa-18794	207	145	�	�	PROPN
cjfa-18794	207	146	–	–	PUNCT
cjfa-18794	207	147	error	error	NOUN
cjfa-18794	207	148	term	term	NOUN
cjfa-18794	207	149	.	.	PUNCT
cjfa-18794	208	1	as	as	SCONJ
cjfa-18794	208	2	regards	regard	VERB
cjfa-18794	208	3	the	the	DET
cjfa-18794	208	4	expected	expect	VERB
cjfa-18794	208	5	signs	sign	NOUN
cjfa-18794	208	6	of	of	ADP
cjfa-18794	208	7	the	the	DET
cjfa-18794	208	8	regression	regression	NOUN
cjfa-18794	208	9	coefficients	coefficient	NOUN
cjfa-18794	208	10	,	,	PUNCT
cjfa-18794	208	11	both	both	PRON
cjfa-18794	208	12	higher	high	ADJ
cjfa-18794	208	13	average	average	ADJ
cjfa-18794	208	14	wages	wage	NOUN
cjfa-18794	208	15	and	and	CCONJ
cjfa-18794	208	16	faster	fast	ADJ
cjfa-18794	208	17	gdp	gdp	NOUN
cjfa-18794	208	18	growth	growth	NOUN
cjfa-18794	208	19	should	should	AUX
cjfa-18794	208	20	generally	generally	ADV
cjfa-18794	208	21	fuel	fuel	VERB
cjfa-18794	208	22	borrowing	borrowing	NOUN
cjfa-18794	208	23	,	,	PUNCT
cjfa-18794	208	24	as	as	SCONJ
cjfa-18794	208	25	they	they	PRON
cjfa-18794	208	26	improve	improve	VERB
cjfa-18794	208	27	households	household	NOUN
cjfa-18794	208	28	’	'	PUNCT
cjfa-18794	208	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	208	30	and	and	CCONJ
cjfa-18794	208	31	boost	boost	VERB
cjfa-18794	208	32	their	their	PRON
cjfa-18794	208	33	optimism	optimism	NOUN
cjfa-18794	208	34	about	about	ADP
cjfa-18794	208	35	the	the	DET
cjfa-18794	208	36	future	future	ADJ
cjfa-18794	208	37	income	income	NOUN
cjfa-18794	208	38	prospects	prospect	NOUN
cjfa-18794	208	39	,	,	PUNCT
cjfa-18794	208	40	allowing	allow	VERB
cjfa-18794	208	41	them	they	PRON
cjfa-18794	208	42	to	to	PART
cjfa-18794	208	43	take	take	VERB
cjfa-18794	208	44	on	on	ADP
cjfa-18794	208	45	larger	large	ADJ
cjfa-18794	208	46	loans	loan	NOUN
cjfa-18794	208	47	.	.	PUNCT
cjfa-18794	209	1	the	the	DET
cjfa-18794	209	2	estimates	estimate	NOUN
cjfa-18794	209	3	of	of	ADP
cjfa-18794	209	4	the	the	DET
cjfa-18794	209	5	coefficients	coefficient	NOUN
cjfa-18794	209	6	β1	β1	PROPN
cjfa-18794	209	7	and	and	CCONJ
cjfa-18794	209	8	β2	β2	NOUN
cjfa-18794	209	9	are	be	AUX
cjfa-18794	209	10	,	,	PUNCT
cjfa-18794	209	11	therefore	therefore	ADV
cjfa-18794	209	12	,	,	PUNCT
cjfa-18794	209	13	expected	expect	VERB
cjfa-18794	209	14	to	to	PART
cjfa-18794	209	15	be	be	AUX
cjfa-18794	209	16	positive	positive	ADJ
cjfa-18794	209	17	.	.	PUNCT
cjfa-18794	210	1	however	however	ADV
cjfa-18794	210	2	,	,	PUNCT
cjfa-18794	210	3	it	it	PRON
cjfa-18794	210	4	is	be	AUX
cjfa-18794	210	5	possible	possible	ADJ
cjfa-18794	210	6	that	that	SCONJ
cjfa-18794	210	7	they	they	PRON
cjfa-18794	210	8	become	become	VERB
cjfa-18794	210	9	negative	negative	ADJ
cjfa-18794	210	10	if	if	SCONJ
cjfa-18794	210	11	household	household	NOUN
cjfa-18794	210	12	incomes	income	NOUN
cjfa-18794	210	13	should	should	AUX
cjfa-18794	210	14	grow	grow	VERB
cjfa-18794	210	15	faster	fast	ADV
cjfa-18794	210	16	than	than	ADP
cjfa-18794	210	17	the	the	DET
cjfa-18794	210	18	stock	stock	NOUN
cjfa-18794	210	19	of	of	ADP
cjfa-18794	210	20	debt	debt	NOUN
cjfa-18794	210	21	.	.	PUNCT
cjfa-18794	211	1	the	the	DET
cjfa-18794	211	2	interest	interest	NOUN
cjfa-18794	211	3	rate	rate	NOUN
cjfa-18794	211	4	is	be	AUX
cjfa-18794	211	5	expected	expect	VERB
cjfa-18794	211	6	to	to	PART
cjfa-18794	211	7	be	be	AUX
cjfa-18794	211	8	inversely	inversely	ADV
cjfa-18794	211	9	related	relate	VERB
cjfa-18794	211	10	to	to	ADP
cjfa-18794	211	11	the	the	DET
cjfa-18794	211	12	dti	dti	PROPN
cjfa-18794	211	13	ratio	ratio	NOUN
cjfa-18794	211	14	resulting	result	VERB
cjfa-18794	211	15	in	in	ADP
cjfa-18794	211	16	a	a	DET
cjfa-18794	211	17	negative	negative	ADJ
cjfa-18794	211	18	estimate	estimate	NOUN
cjfa-18794	211	19	of	of	ADP
cjfa-18794	211	20	the	the	DET
cjfa-18794	211	21	coefficient	coefficient	NOUN
cjfa-18794	211	22	β3	β3	ADJ
cjfa-18794	211	23	.	.	PUNCT
cjfa-18794	212	1	although	although	SCONJ
cjfa-18794	212	2	the	the	DET
cjfa-18794	212	3	prevalence	prevalence	NOUN
cjfa-18794	212	4	of	of	ADP
cjfa-18794	212	5	mortgage	mortgage	NOUN
cjfa-18794	212	6	debt	debt	NOUN
cjfa-18794	212	7	suggests	suggest	VERB
cjfa-18794	212	8	using	use	VERB
cjfa-18794	212	9	a	a	DET
cjfa-18794	212	10	long	long	ADJ
cjfa-18794	212	11	-	-	PUNCT
cjfa-18794	212	12	term	term	NOUN
cjfa-18794	212	13	interest	interest	NOUN
cjfa-18794	212	14	rate	rate	NOUN
cjfa-18794	212	15	as	as	ADP
cjfa-18794	212	16	an	an	DET
cjfa-18794	212	17	explanatory	explanatory	ADJ
cjfa-18794	212	18	variable	variable	NOUN
cjfa-18794	212	19	,	,	PUNCT
cjfa-18794	212	20	given	give	VERB
cjfa-18794	212	21	a	a	DET
cjfa-18794	212	22	strong	strong	ADJ
cjfa-18794	212	23	positive	positive	ADJ
cjfa-18794	212	24	correlation	correlation	NOUN
cjfa-18794	212	25	between	between	ADP
cjfa-18794	212	26	long	long	ADJ
cjfa-18794	212	27	and	and	CCONJ
cjfa-18794	212	28	short	short	ADJ
cjfa-18794	212	29	-	-	PUNCT
cjfa-18794	212	30	term	term	NOUN
cjfa-18794	212	31	interest	interest	NOUN
cjfa-18794	212	32	rates	rate	NOUN
cjfa-18794	212	33	,	,	PUNCT
cjfa-18794	212	34	and	and	CCONJ
cjfa-18794	212	35	a	a	DET
cjfa-18794	212	36	much	much	ADV
cjfa-18794	212	37	higher	high	ADJ
cjfa-18794	212	38	number	number	NOUN
cjfa-18794	212	39	of	of	ADP
cjfa-18794	212	40	available	available	ADJ
cjfa-18794	212	41	observations	observation	NOUN
cjfa-18794	212	42	for	for	ADP
cjfa-18794	212	43	the	the	DET
cjfa-18794	212	44	latter	latter	ADJ
cjfa-18794	212	45	one	one	NOUN
cjfa-18794	212	46	,	,	PUNCT
cjfa-18794	212	47	it	it	PRON
cjfa-18794	212	48	has	have	AUX
cjfa-18794	212	49	been	be	AUX
cjfa-18794	212	50	employed	employ	VERB
cjfa-18794	212	51	in	in	ADP
cjfa-18794	212	52	the	the	DET
cjfa-18794	212	53	model	model	NOUN
cjfa-18794	212	54	.	.	PUNCT
cjfa-18794	213	1	the	the	DET
cjfa-18794	213	2	estimate	estimate	NOUN
cjfa-18794	213	3	of	of	ADP
cjfa-18794	213	4	the	the	DET
cjfa-18794	213	5	coefficient	coefficient	NOUN
cjfa-18794	213	6	β4	β4	PROPN
cjfa-18794	213	7	is	be	AUX
cjfa-18794	213	8	expected	expect	VERB
cjfa-18794	213	9	to	to	PART
cjfa-18794	213	10	be	be	AUX
cjfa-18794	213	11	negative	negative	ADJ
cjfa-18794	213	12	since	since	SCONJ
cjfa-18794	213	13	growing	grow	VERB
cjfa-18794	213	14	unemployment	unemployment	NOUN
cjfa-18794	213	15	makes	make	VERB
cjfa-18794	213	16	households	household	NOUN
cjfa-18794	213	17	’	'	PUNCT
cjfa-18794	213	18	future	future	ADJ
cjfa-18794	213	19	incomes	income	NOUN
cjfa-18794	213	20	less	less	ADV
cjfa-18794	213	21	predictable	predictable	ADJ
cjfa-18794	213	22	thus	thus	ADV
cjfa-18794	213	23	discouraging	discourage	VERB
cjfa-18794	213	24	them	they	PRON
cjfa-18794	213	25	from	from	ADP
cjfa-18794	213	26	taking	take	VERB
cjfa-18794	213	27	on	on	ADP
cjfa-18794	213	28	additional	additional	ADJ
cjfa-18794	213	29	debt	debt	NOUN
cjfa-18794	213	30	.	.	PUNCT
cjfa-18794	214	1	according	accord	VERB
cjfa-18794	214	2	to	to	ADP
cjfa-18794	214	3	the	the	DET
cjfa-18794	214	4	available	available	ADJ
cjfa-18794	214	5	evidence	evidence	NOUN
cjfa-18794	214	6	,	,	PUNCT
cjfa-18794	214	7	the	the	DET
cjfa-18794	214	8	highest	high	ADJ
cjfa-18794	214	9	household	household	NOUN
cjfa-18794	214	10	indebtedness	indebtedness	NOUN
cjfa-18794	214	11	is	be	AUX
cjfa-18794	214	12	expected	expect	VERB
cjfa-18794	214	13	for	for	ADP
cjfa-18794	214	14	the	the	DET
cjfa-18794	214	15	middle	middle	ADJ
cjfa-18794	214	16	-	-	PUNCT
cjfa-18794	214	17	aged	aged	ADJ
cjfa-18794	214	18	cohorts	cohort	NOUN
cjfa-18794	214	19	and	and	CCONJ
cjfa-18794	214	20	for	for	ADP
cjfa-18794	214	21	the	the	DET
cjfa-18794	214	22	persons	person	NOUN
cjfa-18794	214	23	with	with	ADP
cjfa-18794	214	24	higher	high	ADJ
cjfa-18794	214	25	education	education	NOUN
cjfa-18794	214	26	attainment	attainment	NOUN
cjfa-18794	214	27	,	,	PUNCT
cjfa-18794	214	28	which	which	PRON
cjfa-18794	214	29	suggests	suggest	VERB
cjfa-18794	214	30	positive	positive	ADJ
cjfa-18794	214	31	estimates	estimate	NOUN
cjfa-18794	214	32	of	of	ADP
cjfa-18794	214	33	the	the	DET
cjfa-18794	214	34	coefficients	coefficient	NOUN
cjfa-18794	214	35	β5	β5	NOUN
cjfa-18794	214	36	and	and	CCONJ
cjfa-18794	214	37	β6	β6	PROPN
cjfa-18794	214	38	.	.	PUNCT
cjfa-18794	215	1	given	give	VERB
cjfa-18794	215	2	that	that	SCONJ
cjfa-18794	215	3	the	the	DET
cjfa-18794	215	4	growth	growth	NOUN
cjfa-18794	215	5	of	of	ADP
cjfa-18794	215	6	housing	housing	NOUN
cjfa-18794	215	7	prices	price	NOUN
cjfa-18794	215	8	fuels	fuel	VERB
cjfa-18794	215	9	household	household	NOUN
cjfa-18794	215	10	borrowing	borrowing	NOUN
cjfa-18794	215	11	,	,	PUNCT
cjfa-18794	215	12	while	while	SCONJ
cjfa-18794	215	13	their	their	PRON
cjfa-18794	215	14	decrease	decrease	NOUN
cjfa-18794	215	15	discourages	discourage	VERB
cjfa-18794	215	16	it	it	PRON
cjfa-18794	215	17	,	,	PUNCT
cjfa-18794	215	18	the	the	DET
cjfa-18794	215	19	estimated	estimate	VERB
cjfa-18794	215	20	value	value	NOUN
cjfa-18794	215	21	of	of	ADP
cjfa-18794	215	22	the	the	DET
cjfa-18794	215	23	coefficient	coefficient	NOUN
cjfa-18794	215	24	β7	β7	PROPN
cjfa-18794	215	25	is	be	AUX
cjfa-18794	215	26	expected	expect	VERB
cjfa-18794	215	27	to	to	PART
cjfa-18794	215	28	be	be	AUX
cjfa-18794	215	29	positive	positive	ADJ
cjfa-18794	215	30	.	.	PUNCT
cjfa-18794	216	1	again	again	ADV
cjfa-18794	216	2	,	,	PUNCT
cjfa-18794	216	3	in	in	ADP
cjfa-18794	216	4	order	order	NOUN
cjfa-18794	216	5	to	to	PART
cjfa-18794	216	6	use	use	VERB
cjfa-18794	216	7	a	a	DET
cjfa-18794	216	8	possibly	possibly	ADV
cjfa-18794	216	9	most	most	ADV
cjfa-18794	216	10	complete	complete	ADJ
cjfa-18794	216	11	time	time	NOUN
cjfa-18794	216	12	series	series	NOUN
cjfa-18794	216	13	,	,	PUNCT
cjfa-18794	216	14	the	the	DET
cjfa-18794	216	15	housing	housing	NOUN
cjfa-18794	216	16	rental	rental	NOUN
cjfa-18794	216	17	price	price	NOUN
cjfa-18794	216	18	index	index	NOUN
cjfa-18794	216	19	has	have	AUX
cjfa-18794	216	20	been	be	AUX
cjfa-18794	216	21	employed	employ	VERB
cjfa-18794	216	22	in	in	ADP
cjfa-18794	216	23	the	the	DET
cjfa-18794	216	24	model	model	NOUN
cjfa-18794	216	25	as	as	ADP
cjfa-18794	216	26	an	an	DET
cjfa-18794	216	27	explanatory	explanatory	ADJ
cjfa-18794	216	28	variable	variable	NOUN
cjfa-18794	216	29	.	.	PUNCT
cjfa-18794	217	1	finally	finally	ADV
cjfa-18794	217	2	,	,	PUNCT
cjfa-18794	217	3	both	both	CCONJ
cjfa-18794	217	4	wider	wide	ADJ
cjfa-18794	217	5	wage	wage	NOUN
cjfa-18794	217	6	-	-	PUNCT
cjfa-18794	217	7	productivity	productivity	NOUN
cjfa-18794	217	8	gaps	gap	NOUN
cjfa-18794	217	9	and	and	CCONJ
cjfa-18794	217	10	more	more	ADV
cjfa-18794	217	11	unequal	unequal	ADJ
cjfa-18794	217	12	distribution	distribution	NOUN
cjfa-18794	217	13	of	of	ADP
cjfa-18794	217	14	incomes	income	NOUN
cjfa-18794	217	15	might	might	AUX
cjfa-18794	217	16	encourage	encourage	VERB
cjfa-18794	217	17	poorer	poor	ADJ
cjfa-18794	217	18	households	household	NOUN
cjfa-18794	217	19	to	to	PART
cjfa-18794	217	20	fuel	fuel	VERB
cjfa-18794	217	21	consumption	consumption	NOUN
cjfa-18794	217	22	with	with	ADP
cjfa-18794	217	23	debt	debt	NOUN
cjfa-18794	217	24	in	in	ADP
cjfa-18794	217	25	order	order	NOUN
cjfa-18794	217	26	to	to	PART
cjfa-18794	217	27	reduce	reduce	VERB
cjfa-18794	217	28	the	the	DET
cjfa-18794	217	29	distance	distance	NOUN
cjfa-18794	217	30	from	from	ADP
cjfa-18794	217	31	their	their	PRON
cjfa-18794	217	32	richer	rich	ADJ
cjfa-18794	217	33	peers	peer	NOUN
cjfa-18794	217	34	,	,	PUNCT
cjfa-18794	217	35	which	which	PRON
cjfa-18794	217	36	allows	allow	VERB
cjfa-18794	217	37	to	to	PART
cjfa-18794	217	38	expect	expect	VERB
cjfa-18794	217	39	positive	positive	ADJ
cjfa-18794	217	40	estimates	estimate	NOUN
cjfa-18794	217	41	of	of	ADP
cjfa-18794	217	42	the	the	DET
cjfa-18794	217	43	coefficients	coefficient	NOUN
cjfa-18794	217	44	β8	β8	ADJ
cjfa-18794	217	45	and	and	CCONJ
cjfa-18794	217	46	β9	β9	ADJ
cjfa-18794	217	47	.	.	PUNCT
cjfa-18794	218	1	–	–	PUNCT
cjfa-18794	218	2	unknown	unknown	ADJ
cjfa-18794	218	3	intercept	intercept	NOUN
cjfa-18794	218	4	for	for	ADP
cjfa-18794	218	5	each	each	DET
cjfa-18794	218	6	country	country	NOUN
cjfa-18794	218	7	,	,	PUNCT
cjfa-18794	218	8	‒	‒	X
cjfa-18794	218	9	‒	‒	ADP
cjfa-18794	218	10	�	�	PROPN
cjfa-18794	218	11	�	�	PROPN
cjfa-18794	218	12	�	�	PROPN
cjfa-18794	218	13	�	�	PROPN
cjfa-18794	218	14	�	�	PROPN
cjfa-18794	218	15	�	�	PROPN
cjfa-18794	218	16	�	�	PROPN
cjfa-18794	218	17	–	–	PUNCT
cjfa-18794	218	18	wage	wage	NOUN
cjfa-18794	218	19	-	-	PUNCT
cjfa-18794	218	20	productivity	productivity	NOUN
cjfa-18794	218	21	gap	gap	NOUN
cjfa-18794	218	22	measured	measure	VERB
cjfa-18794	218	23	as	as	ADP
cjfa-18794	218	24	the	the	DET
cjfa-18794	218	25	natural	natural	ADJ
cjfa-18794	218	26	log	log	NOUN
cjfa-18794	218	27	of	of	ADP
cjfa-18794	218	28	the	the	DET
cjfa-18794	218	29	relation	relation	NOUN
cjfa-18794	218	30	of	of	ADP
cjfa-18794	218	31	gdp	gdp	NOUN
cjfa-18794	218	32	per	per	ADP
cjfa-18794	218	33	person	person	NOUN
cjfa-18794	218	34	employed	employ	VERB
cjfa-18794	218	35	to	to	PART
cjfa-18794	218	36	average	average	ADJ
cjfa-18794	218	37	annual	annual	ADJ
cjfa-18794	218	38	wage	wage	NOUN
cjfa-18794	218	39	,	,	PUNCT
cjfa-18794	218	40	‒	‒	X
cjfa-18794	218	41	�	�	PROPN
cjfa-18794	218	42	�	�	PROPN
cjfa-18794	218	43	�	�	PROPN
cjfa-18794	218	44	�	�	PROPN
cjfa-18794	218	45	�	�	PROPN
cjfa-18794	218	46	–	–	PUNCT
cjfa-18794	218	47	natural	natural	ADJ
cjfa-18794	218	48	log	log	NOUN
cjfa-18794	218	49	of	of	ADP
cjfa-18794	218	50	the	the	DET
cjfa-18794	218	51	gini	gini	PROPN
cjfa-18794	218	52	coefficient	coefficient	NOUN
cjfa-18794	218	53	for	for	ADP
cjfa-18794	218	54	net	net	ADJ
cjfa-18794	218	55	disposable	disposable	ADJ
cjfa-18794	218	56	income	income	NOUN
cjfa-18794	218	57	,	,	PUNCT
cjfa-18794	218	58	‒	‒	X
cjfa-18794	218	59	�	�	PROPN
cjfa-18794	218	60	�	�	PROPN
cjfa-18794	218	61	�	�	PROPN
cjfa-18794	218	62	�	�	PROPN
cjfa-18794	218	63	�	�	PROPN
cjfa-18794	218	64	�	�	PROPN
cjfa-18794	218	65	�	�	PROPN
cjfa-18794	218	66	�	�	PROPN
cjfa-18794	218	67	�	�	PROPN
cjfa-18794	218	68	�	�	PROPN
cjfa-18794	218	69	–	–	PUNCT
cjfa-18794	218	70	regression	regression	NOUN
cjfa-18794	218	71	coefficients	coefficient	NOUN
cjfa-18794	218	72	,	,	PUNCT
cjfa-18794	218	73	‒	‒	X
cjfa-18794	218	74	�	�	PROPN
cjfa-18794	218	75	�	�	PROPN
cjfa-18794	218	76	–	–	PUNCT
cjfa-18794	218	77	intercept	intercept	NOUN
cjfa-18794	218	78	,	,	PUNCT
cjfa-18794	218	79	‒	‒	X
cjfa-18794	218	80	�	�	PROPN
cjfa-18794	218	81	�	�	PROPN
cjfa-18794	218	82	–	–	PUNCT
cjfa-18794	218	83	unknown	unknown	ADJ
cjfa-18794	218	84	intercept	intercept	NOUN
cjfa-18794	218	85	for	for	ADP
cjfa-18794	218	86	each	each	DET
cjfa-18794	218	87	country	country	NOUN
cjfa-18794	218	88	,	,	PUNCT
cjfa-18794	218	89	‒	‒	X
cjfa-18794	218	90	�	�	PROPN
cjfa-18794	218	91	–	–	PUNCT
cjfa-18794	218	92	country	country	NOUN
cjfa-18794	218	93	,	,	PUNCT
cjfa-18794	218	94	‒	‒	X
cjfa-18794	218	95	�	�	PROPN
cjfa-18794	218	96	–	–	PUNCT
cjfa-18794	218	97	year	year	NOUN
cjfa-18794	218	98	,	,	PUNCT
cjfa-18794	218	99	‒	‒	X
cjfa-18794	218	100	�	�	PROPN
cjfa-18794	218	101	�	�	PROPN
cjfa-18794	218	102	�	�	PROPN
cjfa-18794	218	103	–	–	PUNCT
cjfa-18794	218	104	error	error	NOUN
cjfa-18794	218	105	term	term	NOUN
cjfa-18794	218	106	.	.	PUNCT
cjfa-18794	219	1	as	as	SCONJ
cjfa-18794	219	2	regards	regard	VERB
cjfa-18794	219	3	the	the	DET
cjfa-18794	219	4	expected	expect	VERB
cjfa-18794	219	5	signs	sign	NOUN
cjfa-18794	219	6	of	of	ADP
cjfa-18794	219	7	the	the	DET
cjfa-18794	219	8	regression	regression	NOUN
cjfa-18794	219	9	coefficients	coefficient	NOUN
cjfa-18794	219	10	,	,	PUNCT
cjfa-18794	219	11	both	both	PRON
cjfa-18794	219	12	higher	high	ADJ
cjfa-18794	219	13	average	average	ADJ
cjfa-18794	219	14	wages	wage	NOUN
cjfa-18794	219	15	and	and	CCONJ
cjfa-18794	219	16	faster	fast	ADJ
cjfa-18794	219	17	gdp	gdp	NOUN
cjfa-18794	219	18	growth	growth	NOUN
cjfa-18794	219	19	should	should	AUX
cjfa-18794	219	20	generally	generally	ADV
cjfa-18794	219	21	fuel	fuel	VERB
cjfa-18794	219	22	borrowing	borrowing	NOUN
cjfa-18794	219	23	,	,	PUNCT
cjfa-18794	219	24	as	as	SCONJ
cjfa-18794	219	25	they	they	PRON
cjfa-18794	219	26	improve	improve	VERB
cjfa-18794	219	27	households	household	NOUN
cjfa-18794	219	28	’	'	PUNCT
cjfa-18794	219	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	219	30	and	and	CCONJ
cjfa-18794	219	31	boost	boost	VERB
cjfa-18794	219	32	their	their	PRON
cjfa-18794	219	33	optimism	optimism	NOUN
cjfa-18794	219	34	about	about	ADP
cjfa-18794	219	35	the	the	DET
cjfa-18794	219	36	future	future	ADJ
cjfa-18794	219	37	income	income	NOUN
cjfa-18794	219	38	prospects	prospect	NOUN
cjfa-18794	219	39	,	,	PUNCT
cjfa-18794	219	40	allowing	allow	VERB
cjfa-18794	219	41	them	they	PRON
cjfa-18794	219	42	to	to	PART
cjfa-18794	219	43	take	take	VERB
cjfa-18794	219	44	on	on	ADP
cjfa-18794	219	45	larger	large	ADJ
cjfa-18794	219	46	loans	loan	NOUN
cjfa-18794	219	47	.	.	PUNCT
cjfa-18794	220	1	the	the	DET
cjfa-18794	220	2	estimates	estimate	NOUN
cjfa-18794	220	3	of	of	ADP
cjfa-18794	220	4	the	the	DET
cjfa-18794	220	5	coefficients	coefficient	NOUN
cjfa-18794	220	6	β1	β1	PROPN
cjfa-18794	220	7	and	and	CCONJ
cjfa-18794	220	8	β2	β2	NOUN
cjfa-18794	220	9	are	be	AUX
cjfa-18794	220	10	,	,	PUNCT
cjfa-18794	220	11	therefore	therefore	ADV
cjfa-18794	220	12	,	,	PUNCT
cjfa-18794	220	13	expected	expect	VERB
cjfa-18794	220	14	to	to	PART
cjfa-18794	220	15	be	be	AUX
cjfa-18794	220	16	positive	positive	ADJ
cjfa-18794	220	17	.	.	PUNCT
cjfa-18794	221	1	however	however	ADV
cjfa-18794	221	2	,	,	PUNCT
cjfa-18794	221	3	it	it	PRON
cjfa-18794	221	4	is	be	AUX
cjfa-18794	221	5	possible	possible	ADJ
cjfa-18794	221	6	that	that	SCONJ
cjfa-18794	221	7	they	they	PRON
cjfa-18794	221	8	become	become	VERB
cjfa-18794	221	9	negative	negative	ADJ
cjfa-18794	221	10	if	if	SCONJ
cjfa-18794	221	11	household	household	NOUN
cjfa-18794	221	12	incomes	income	NOUN
cjfa-18794	221	13	should	should	AUX
cjfa-18794	221	14	grow	grow	VERB
cjfa-18794	221	15	faster	fast	ADV
cjfa-18794	221	16	than	than	ADP
cjfa-18794	221	17	the	the	DET
cjfa-18794	221	18	stock	stock	NOUN
cjfa-18794	221	19	of	of	ADP
cjfa-18794	221	20	debt	debt	NOUN
cjfa-18794	221	21	.	.	PUNCT
cjfa-18794	222	1	the	the	DET
cjfa-18794	222	2	interest	interest	NOUN
cjfa-18794	222	3	rate	rate	NOUN
cjfa-18794	222	4	is	be	AUX
cjfa-18794	222	5	expected	expect	VERB
cjfa-18794	222	6	to	to	PART
cjfa-18794	222	7	be	be	AUX
cjfa-18794	222	8	inversely	inversely	ADV
cjfa-18794	222	9	related	relate	VERB
cjfa-18794	222	10	to	to	ADP
cjfa-18794	222	11	the	the	DET
cjfa-18794	222	12	dti	dti	PROPN
cjfa-18794	222	13	ratio	ratio	NOUN
cjfa-18794	222	14	resulting	result	VERB
cjfa-18794	222	15	in	in	ADP
cjfa-18794	222	16	a	a	DET
cjfa-18794	222	17	negative	negative	ADJ
cjfa-18794	222	18	estimate	estimate	NOUN
cjfa-18794	222	19	of	of	ADP
cjfa-18794	222	20	the	the	DET
cjfa-18794	222	21	coefficient	coefficient	NOUN
cjfa-18794	222	22	β3	β3	ADJ
cjfa-18794	222	23	.	.	PUNCT
cjfa-18794	223	1	although	although	SCONJ
cjfa-18794	223	2	the	the	DET
cjfa-18794	223	3	prevalence	prevalence	NOUN
cjfa-18794	223	4	of	of	ADP
cjfa-18794	223	5	mortgage	mortgage	NOUN
cjfa-18794	223	6	debt	debt	NOUN
cjfa-18794	223	7	suggests	suggest	VERB
cjfa-18794	223	8	using	use	VERB
cjfa-18794	223	9	a	a	DET
cjfa-18794	223	10	long	long	ADJ
cjfa-18794	223	11	-	-	PUNCT
cjfa-18794	223	12	term	term	NOUN
cjfa-18794	223	13	interest	interest	NOUN
cjfa-18794	223	14	rate	rate	NOUN
cjfa-18794	223	15	as	as	ADP
cjfa-18794	223	16	an	an	DET
cjfa-18794	223	17	explanatory	explanatory	ADJ
cjfa-18794	223	18	variable	variable	NOUN
cjfa-18794	223	19	,	,	PUNCT
cjfa-18794	223	20	given	give	VERB
cjfa-18794	223	21	a	a	DET
cjfa-18794	223	22	strong	strong	ADJ
cjfa-18794	223	23	positive	positive	ADJ
cjfa-18794	223	24	correlation	correlation	NOUN
cjfa-18794	223	25	between	between	ADP
cjfa-18794	223	26	long	long	ADJ
cjfa-18794	223	27	and	and	CCONJ
cjfa-18794	223	28	short	short	ADJ
cjfa-18794	223	29	-	-	PUNCT
cjfa-18794	223	30	term	term	NOUN
cjfa-18794	223	31	interest	interest	NOUN
cjfa-18794	223	32	rates	rate	NOUN
cjfa-18794	223	33	,	,	PUNCT
cjfa-18794	223	34	and	and	CCONJ
cjfa-18794	223	35	a	a	DET
cjfa-18794	223	36	much	much	ADV
cjfa-18794	223	37	higher	high	ADJ
cjfa-18794	223	38	number	number	NOUN
cjfa-18794	223	39	of	of	ADP
cjfa-18794	223	40	available	available	ADJ
cjfa-18794	223	41	observations	observation	NOUN
cjfa-18794	223	42	for	for	ADP
cjfa-18794	223	43	the	the	DET
cjfa-18794	223	44	latter	latter	ADJ
cjfa-18794	223	45	one	one	NOUN
cjfa-18794	223	46	,	,	PUNCT
cjfa-18794	223	47	it	it	PRON
cjfa-18794	223	48	has	have	AUX
cjfa-18794	223	49	been	be	AUX
cjfa-18794	223	50	employed	employ	VERB
cjfa-18794	223	51	in	in	ADP
cjfa-18794	223	52	the	the	DET
cjfa-18794	223	53	model	model	NOUN
cjfa-18794	223	54	.	.	PUNCT
cjfa-18794	224	1	the	the	DET
cjfa-18794	224	2	estimate	estimate	NOUN
cjfa-18794	224	3	of	of	ADP
cjfa-18794	224	4	the	the	DET
cjfa-18794	224	5	coefficient	coefficient	NOUN
cjfa-18794	224	6	β4	β4	PROPN
cjfa-18794	224	7	is	be	AUX
cjfa-18794	224	8	expected	expect	VERB
cjfa-18794	224	9	to	to	PART
cjfa-18794	224	10	be	be	AUX
cjfa-18794	224	11	negative	negative	ADJ
cjfa-18794	224	12	since	since	SCONJ
cjfa-18794	224	13	growing	grow	VERB
cjfa-18794	224	14	unemployment	unemployment	NOUN
cjfa-18794	224	15	makes	make	VERB
cjfa-18794	224	16	households	household	NOUN
cjfa-18794	224	17	’	'	PUNCT
cjfa-18794	224	18	future	future	ADJ
cjfa-18794	224	19	incomes	income	NOUN
cjfa-18794	224	20	less	less	ADV
cjfa-18794	224	21	predictable	predictable	ADJ
cjfa-18794	224	22	thus	thus	ADV
cjfa-18794	224	23	discouraging	discourage	VERB
cjfa-18794	224	24	them	they	PRON
cjfa-18794	224	25	from	from	ADP
cjfa-18794	224	26	taking	take	VERB
cjfa-18794	224	27	on	on	ADP
cjfa-18794	224	28	additional	additional	ADJ
cjfa-18794	224	29	debt	debt	NOUN
cjfa-18794	224	30	.	.	PUNCT
cjfa-18794	225	1	according	accord	VERB
cjfa-18794	225	2	to	to	ADP
cjfa-18794	225	3	the	the	DET
cjfa-18794	225	4	available	available	ADJ
cjfa-18794	225	5	evidence	evidence	NOUN
cjfa-18794	225	6	,	,	PUNCT
cjfa-18794	225	7	the	the	DET
cjfa-18794	225	8	highest	high	ADJ
cjfa-18794	225	9	household	household	NOUN
cjfa-18794	225	10	indebtedness	indebtedness	NOUN
cjfa-18794	225	11	is	be	AUX
cjfa-18794	225	12	expected	expect	VERB
cjfa-18794	225	13	for	for	ADP
cjfa-18794	225	14	the	the	DET
cjfa-18794	225	15	middle	middle	ADJ
cjfa-18794	225	16	-	-	PUNCT
cjfa-18794	225	17	aged	aged	ADJ
cjfa-18794	225	18	cohorts	cohort	NOUN
cjfa-18794	225	19	and	and	CCONJ
cjfa-18794	225	20	for	for	ADP
cjfa-18794	225	21	the	the	DET
cjfa-18794	225	22	persons	person	NOUN
cjfa-18794	225	23	with	with	ADP
cjfa-18794	225	24	higher	high	ADJ
cjfa-18794	225	25	education	education	NOUN
cjfa-18794	225	26	attainment	attainment	NOUN
cjfa-18794	225	27	,	,	PUNCT
cjfa-18794	225	28	which	which	PRON
cjfa-18794	225	29	suggests	suggest	VERB
cjfa-18794	225	30	positive	positive	ADJ
cjfa-18794	225	31	estimates	estimate	NOUN
cjfa-18794	225	32	of	of	ADP
cjfa-18794	225	33	the	the	DET
cjfa-18794	225	34	coefficients	coefficient	NOUN
cjfa-18794	225	35	β5	β5	NOUN
cjfa-18794	225	36	and	and	CCONJ
cjfa-18794	225	37	β6	β6	PROPN
cjfa-18794	225	38	.	.	PUNCT
cjfa-18794	226	1	given	give	VERB
cjfa-18794	226	2	that	that	SCONJ
cjfa-18794	226	3	the	the	DET
cjfa-18794	226	4	growth	growth	NOUN
cjfa-18794	226	5	of	of	ADP
cjfa-18794	226	6	housing	housing	NOUN
cjfa-18794	226	7	prices	price	NOUN
cjfa-18794	226	8	fuels	fuel	VERB
cjfa-18794	226	9	household	household	NOUN
cjfa-18794	226	10	borrowing	borrowing	NOUN
cjfa-18794	226	11	,	,	PUNCT
cjfa-18794	226	12	while	while	SCONJ
cjfa-18794	226	13	their	their	PRON
cjfa-18794	226	14	decrease	decrease	NOUN
cjfa-18794	226	15	discourages	discourage	VERB
cjfa-18794	226	16	it	it	PRON
cjfa-18794	226	17	,	,	PUNCT
cjfa-18794	226	18	the	the	DET
cjfa-18794	226	19	estimated	estimate	VERB
cjfa-18794	226	20	value	value	NOUN
cjfa-18794	226	21	of	of	ADP
cjfa-18794	226	22	the	the	DET
cjfa-18794	226	23	coefficient	coefficient	NOUN
cjfa-18794	226	24	β7	β7	PROPN
cjfa-18794	226	25	is	be	AUX
cjfa-18794	226	26	expected	expect	VERB
cjfa-18794	226	27	to	to	PART
cjfa-18794	226	28	be	be	AUX
cjfa-18794	226	29	positive	positive	ADJ
cjfa-18794	226	30	.	.	PUNCT
cjfa-18794	227	1	again	again	ADV
cjfa-18794	227	2	,	,	PUNCT
cjfa-18794	227	3	in	in	ADP
cjfa-18794	227	4	order	order	NOUN
cjfa-18794	227	5	to	to	PART
cjfa-18794	227	6	use	use	VERB
cjfa-18794	227	7	a	a	DET
cjfa-18794	227	8	possibly	possibly	ADV
cjfa-18794	227	9	most	most	ADV
cjfa-18794	227	10	complete	complete	ADJ
cjfa-18794	227	11	time	time	NOUN
cjfa-18794	227	12	series	series	NOUN
cjfa-18794	227	13	,	,	PUNCT
cjfa-18794	227	14	the	the	DET
cjfa-18794	227	15	housing	housing	NOUN
cjfa-18794	227	16	rental	rental	NOUN
cjfa-18794	227	17	price	price	NOUN
cjfa-18794	227	18	index	index	NOUN
cjfa-18794	227	19	has	have	AUX
cjfa-18794	227	20	been	be	AUX
cjfa-18794	227	21	employed	employ	VERB
cjfa-18794	227	22	in	in	ADP
cjfa-18794	227	23	the	the	DET
cjfa-18794	227	24	model	model	NOUN
cjfa-18794	227	25	as	as	ADP
cjfa-18794	227	26	an	an	DET
cjfa-18794	227	27	explanatory	explanatory	ADJ
cjfa-18794	227	28	variable	variable	NOUN
cjfa-18794	227	29	.	.	PUNCT
cjfa-18794	228	1	finally	finally	ADV
cjfa-18794	228	2	,	,	PUNCT
cjfa-18794	228	3	both	both	CCONJ
cjfa-18794	228	4	wider	wide	ADJ
cjfa-18794	228	5	wage	wage	NOUN
cjfa-18794	228	6	-	-	PUNCT
cjfa-18794	228	7	productivity	productivity	NOUN
cjfa-18794	228	8	gaps	gap	NOUN
cjfa-18794	228	9	and	and	CCONJ
cjfa-18794	228	10	more	more	ADV
cjfa-18794	228	11	unequal	unequal	ADJ
cjfa-18794	228	12	distribution	distribution	NOUN
cjfa-18794	228	13	of	of	ADP
cjfa-18794	228	14	incomes	income	NOUN
cjfa-18794	228	15	might	might	AUX
cjfa-18794	228	16	encourage	encourage	VERB
cjfa-18794	228	17	poorer	poor	ADJ
cjfa-18794	228	18	households	household	NOUN
cjfa-18794	228	19	to	to	PART
cjfa-18794	228	20	fuel	fuel	VERB
cjfa-18794	228	21	consumption	consumption	NOUN
cjfa-18794	228	22	with	with	ADP
cjfa-18794	228	23	debt	debt	NOUN
cjfa-18794	228	24	in	in	ADP
cjfa-18794	228	25	order	order	NOUN
cjfa-18794	228	26	to	to	PART
cjfa-18794	228	27	reduce	reduce	VERB
cjfa-18794	228	28	the	the	DET
cjfa-18794	228	29	distance	distance	NOUN
cjfa-18794	228	30	from	from	ADP
cjfa-18794	228	31	their	their	PRON
cjfa-18794	228	32	richer	rich	ADJ
cjfa-18794	228	33	peers	peer	NOUN
cjfa-18794	228	34	,	,	PUNCT
cjfa-18794	228	35	which	which	PRON
cjfa-18794	228	36	allows	allow	VERB
cjfa-18794	228	37	to	to	PART
cjfa-18794	228	38	expect	expect	VERB
cjfa-18794	228	39	positive	positive	ADJ
cjfa-18794	228	40	estimates	estimate	NOUN
cjfa-18794	228	41	of	of	ADP
cjfa-18794	228	42	the	the	DET
cjfa-18794	228	43	coefficients	coefficient	NOUN
cjfa-18794	228	44	β8	β8	ADJ
cjfa-18794	228	45	and	and	CCONJ
cjfa-18794	228	46	β9	β9	ADJ
cjfa-18794	228	47	.	.	PUNCT
cjfa-18794	228	48	–	–	PUNCT
cjfa-18794	228	49	country	country	NOUN
cjfa-18794	228	50	,	,	PUNCT
cjfa-18794	228	51	‒	‒	X
cjfa-18794	228	52	‒	‒	ADP
cjfa-18794	228	53	�	�	PROPN
cjfa-18794	228	54	�	�	PROPN
cjfa-18794	228	55	�	�	PROPN
cjfa-18794	228	56	�	�	PROPN
cjfa-18794	228	57	�	�	PROPN
cjfa-18794	228	58	�	�	PROPN
cjfa-18794	228	59	�	�	PROPN
cjfa-18794	228	60	–	–	PUNCT
cjfa-18794	228	61	wage	wage	NOUN
cjfa-18794	228	62	-	-	PUNCT
cjfa-18794	228	63	productivity	productivity	NOUN
cjfa-18794	228	64	gap	gap	NOUN
cjfa-18794	228	65	measured	measure	VERB
cjfa-18794	228	66	as	as	ADP
cjfa-18794	228	67	the	the	DET
cjfa-18794	228	68	natural	natural	ADJ
cjfa-18794	228	69	log	log	NOUN
cjfa-18794	228	70	of	of	ADP
cjfa-18794	228	71	the	the	DET
cjfa-18794	228	72	relation	relation	NOUN
cjfa-18794	228	73	of	of	ADP
cjfa-18794	228	74	gdp	gdp	NOUN
cjfa-18794	228	75	per	per	ADP
cjfa-18794	228	76	person	person	NOUN
cjfa-18794	228	77	employed	employ	VERB
cjfa-18794	228	78	to	to	PART
cjfa-18794	228	79	average	average	ADJ
cjfa-18794	228	80	annual	annual	ADJ
cjfa-18794	228	81	wage	wage	NOUN
cjfa-18794	228	82	,	,	PUNCT
cjfa-18794	228	83	‒	‒	X
cjfa-18794	228	84	�	�	PROPN
cjfa-18794	228	85	�	�	PROPN
cjfa-18794	228	86	�	�	PROPN
cjfa-18794	228	87	�	�	PROPN
cjfa-18794	228	88	�	�	PROPN
cjfa-18794	228	89	–	–	PUNCT
cjfa-18794	228	90	natural	natural	ADJ
cjfa-18794	228	91	log	log	NOUN
cjfa-18794	228	92	of	of	ADP
cjfa-18794	228	93	the	the	DET
cjfa-18794	228	94	gini	gini	PROPN
cjfa-18794	228	95	coefficient	coefficient	NOUN
cjfa-18794	228	96	for	for	ADP
cjfa-18794	228	97	net	net	ADJ
cjfa-18794	228	98	disposable	disposable	ADJ
cjfa-18794	228	99	income	income	NOUN
cjfa-18794	228	100	,	,	PUNCT
cjfa-18794	228	101	‒	‒	X
cjfa-18794	228	102	�	�	PROPN
cjfa-18794	228	103	�	�	PROPN
cjfa-18794	228	104	�	�	PROPN
cjfa-18794	228	105	�	�	PROPN
cjfa-18794	228	106	�	�	PROPN
cjfa-18794	228	107	�	�	PROPN
cjfa-18794	228	108	�	�	PROPN
cjfa-18794	228	109	�	�	PROPN
cjfa-18794	228	110	�	�	PROPN
cjfa-18794	228	111	�	�	PROPN
cjfa-18794	228	112	–	–	PUNCT
cjfa-18794	228	113	regression	regression	NOUN
cjfa-18794	228	114	coefficients	coefficient	NOUN
cjfa-18794	228	115	,	,	PUNCT
cjfa-18794	228	116	‒	‒	X
cjfa-18794	228	117	�	�	PROPN
cjfa-18794	228	118	�	�	PROPN
cjfa-18794	228	119	–	–	PUNCT
cjfa-18794	228	120	intercept	intercept	NOUN
cjfa-18794	228	121	,	,	PUNCT
cjfa-18794	228	122	‒	‒	X
cjfa-18794	228	123	�	�	PROPN
cjfa-18794	228	124	�	�	PROPN
cjfa-18794	228	125	–	–	PUNCT
cjfa-18794	228	126	unknown	unknown	ADJ
cjfa-18794	228	127	intercept	intercept	NOUN
cjfa-18794	228	128	for	for	ADP
cjfa-18794	228	129	each	each	DET
cjfa-18794	228	130	country	country	NOUN
cjfa-18794	228	131	,	,	PUNCT
cjfa-18794	228	132	‒	‒	X
cjfa-18794	228	133	�	�	PROPN
cjfa-18794	228	134	–	–	PUNCT
cjfa-18794	228	135	country	country	NOUN
cjfa-18794	228	136	,	,	PUNCT
cjfa-18794	228	137	‒	‒	X
cjfa-18794	228	138	�	�	PROPN
cjfa-18794	228	139	–	–	PUNCT
cjfa-18794	228	140	year	year	NOUN
cjfa-18794	228	141	,	,	PUNCT
cjfa-18794	228	142	‒	‒	X
cjfa-18794	228	143	�	�	PROPN
cjfa-18794	228	144	�	�	PROPN
cjfa-18794	228	145	�	�	PROPN
cjfa-18794	228	146	–	–	PUNCT
cjfa-18794	228	147	error	error	NOUN
cjfa-18794	228	148	term	term	NOUN
cjfa-18794	228	149	.	.	PUNCT
cjfa-18794	229	1	as	as	SCONJ
cjfa-18794	229	2	regards	regard	VERB
cjfa-18794	229	3	the	the	DET
cjfa-18794	229	4	expected	expect	VERB
cjfa-18794	229	5	signs	sign	NOUN
cjfa-18794	229	6	of	of	ADP
cjfa-18794	229	7	the	the	DET
cjfa-18794	229	8	regression	regression	NOUN
cjfa-18794	229	9	coefficients	coefficient	NOUN
cjfa-18794	229	10	,	,	PUNCT
cjfa-18794	229	11	both	both	PRON
cjfa-18794	229	12	higher	high	ADJ
cjfa-18794	229	13	average	average	ADJ
cjfa-18794	229	14	wages	wage	NOUN
cjfa-18794	229	15	and	and	CCONJ
cjfa-18794	229	16	faster	fast	ADJ
cjfa-18794	229	17	gdp	gdp	NOUN
cjfa-18794	229	18	growth	growth	NOUN
cjfa-18794	229	19	should	should	AUX
cjfa-18794	229	20	generally	generally	ADV
cjfa-18794	229	21	fuel	fuel	VERB
cjfa-18794	229	22	borrowing	borrowing	NOUN
cjfa-18794	229	23	,	,	PUNCT
cjfa-18794	229	24	as	as	SCONJ
cjfa-18794	229	25	they	they	PRON
cjfa-18794	229	26	improve	improve	VERB
cjfa-18794	229	27	households	household	NOUN
cjfa-18794	229	28	’	'	PUNCT
cjfa-18794	229	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	229	30	and	and	CCONJ
cjfa-18794	229	31	boost	boost	VERB
cjfa-18794	229	32	their	their	PRON
cjfa-18794	229	33	optimism	optimism	NOUN
cjfa-18794	229	34	about	about	ADP
cjfa-18794	229	35	the	the	DET
cjfa-18794	229	36	future	future	ADJ
cjfa-18794	229	37	income	income	NOUN
cjfa-18794	229	38	prospects	prospect	NOUN
cjfa-18794	229	39	,	,	PUNCT
cjfa-18794	229	40	allowing	allow	VERB
cjfa-18794	229	41	them	they	PRON
cjfa-18794	229	42	to	to	PART
cjfa-18794	229	43	take	take	VERB
cjfa-18794	229	44	on	on	ADP
cjfa-18794	229	45	larger	large	ADJ
cjfa-18794	229	46	loans	loan	NOUN
cjfa-18794	229	47	.	.	PUNCT
cjfa-18794	230	1	the	the	DET
cjfa-18794	230	2	estimates	estimate	NOUN
cjfa-18794	230	3	of	of	ADP
cjfa-18794	230	4	the	the	DET
cjfa-18794	230	5	coefficients	coefficient	NOUN
cjfa-18794	230	6	β1	β1	PROPN
cjfa-18794	230	7	and	and	CCONJ
cjfa-18794	230	8	β2	β2	NOUN
cjfa-18794	230	9	are	be	AUX
cjfa-18794	230	10	,	,	PUNCT
cjfa-18794	230	11	therefore	therefore	ADV
cjfa-18794	230	12	,	,	PUNCT
cjfa-18794	230	13	expected	expect	VERB
cjfa-18794	230	14	to	to	PART
cjfa-18794	230	15	be	be	AUX
cjfa-18794	230	16	positive	positive	ADJ
cjfa-18794	230	17	.	.	PUNCT
cjfa-18794	231	1	however	however	ADV
cjfa-18794	231	2	,	,	PUNCT
cjfa-18794	231	3	it	it	PRON
cjfa-18794	231	4	is	be	AUX
cjfa-18794	231	5	possible	possible	ADJ
cjfa-18794	231	6	that	that	SCONJ
cjfa-18794	231	7	they	they	PRON
cjfa-18794	231	8	become	become	VERB
cjfa-18794	231	9	negative	negative	ADJ
cjfa-18794	231	10	if	if	SCONJ
cjfa-18794	231	11	household	household	NOUN
cjfa-18794	231	12	incomes	income	NOUN
cjfa-18794	231	13	should	should	AUX
cjfa-18794	231	14	grow	grow	VERB
cjfa-18794	231	15	faster	fast	ADV
cjfa-18794	231	16	than	than	ADP
cjfa-18794	231	17	the	the	DET
cjfa-18794	231	18	stock	stock	NOUN
cjfa-18794	231	19	of	of	ADP
cjfa-18794	231	20	debt	debt	NOUN
cjfa-18794	231	21	.	.	PUNCT
cjfa-18794	232	1	the	the	DET
cjfa-18794	232	2	interest	interest	NOUN
cjfa-18794	232	3	rate	rate	NOUN
cjfa-18794	232	4	is	be	AUX
cjfa-18794	232	5	expected	expect	VERB
cjfa-18794	232	6	to	to	PART
cjfa-18794	232	7	be	be	AUX
cjfa-18794	232	8	inversely	inversely	ADV
cjfa-18794	232	9	related	relate	VERB
cjfa-18794	232	10	to	to	ADP
cjfa-18794	232	11	the	the	DET
cjfa-18794	232	12	dti	dti	PROPN
cjfa-18794	232	13	ratio	ratio	NOUN
cjfa-18794	232	14	resulting	result	VERB
cjfa-18794	232	15	in	in	ADP
cjfa-18794	232	16	a	a	DET
cjfa-18794	232	17	negative	negative	ADJ
cjfa-18794	232	18	estimate	estimate	NOUN
cjfa-18794	232	19	of	of	ADP
cjfa-18794	232	20	the	the	DET
cjfa-18794	232	21	coefficient	coefficient	NOUN
cjfa-18794	232	22	β3	β3	ADJ
cjfa-18794	232	23	.	.	PUNCT
cjfa-18794	233	1	although	although	SCONJ
cjfa-18794	233	2	the	the	DET
cjfa-18794	233	3	prevalence	prevalence	NOUN
cjfa-18794	233	4	of	of	ADP
cjfa-18794	233	5	mortgage	mortgage	NOUN
cjfa-18794	233	6	debt	debt	NOUN
cjfa-18794	233	7	suggests	suggest	VERB
cjfa-18794	233	8	using	use	VERB
cjfa-18794	233	9	a	a	DET
cjfa-18794	233	10	long	long	ADJ
cjfa-18794	233	11	-	-	PUNCT
cjfa-18794	233	12	term	term	NOUN
cjfa-18794	233	13	interest	interest	NOUN
cjfa-18794	233	14	rate	rate	NOUN
cjfa-18794	233	15	as	as	ADP
cjfa-18794	233	16	an	an	DET
cjfa-18794	233	17	explanatory	explanatory	ADJ
cjfa-18794	233	18	variable	variable	NOUN
cjfa-18794	233	19	,	,	PUNCT
cjfa-18794	233	20	given	give	VERB
cjfa-18794	233	21	a	a	DET
cjfa-18794	233	22	strong	strong	ADJ
cjfa-18794	233	23	positive	positive	ADJ
cjfa-18794	233	24	correlation	correlation	NOUN
cjfa-18794	233	25	between	between	ADP
cjfa-18794	233	26	long	long	ADJ
cjfa-18794	233	27	and	and	CCONJ
cjfa-18794	233	28	short	short	ADJ
cjfa-18794	233	29	-	-	PUNCT
cjfa-18794	233	30	term	term	NOUN
cjfa-18794	233	31	interest	interest	NOUN
cjfa-18794	233	32	rates	rate	NOUN
cjfa-18794	233	33	,	,	PUNCT
cjfa-18794	233	34	and	and	CCONJ
cjfa-18794	233	35	a	a	DET
cjfa-18794	233	36	much	much	ADV
cjfa-18794	233	37	higher	high	ADJ
cjfa-18794	233	38	number	number	NOUN
cjfa-18794	233	39	of	of	ADP
cjfa-18794	233	40	available	available	ADJ
cjfa-18794	233	41	observations	observation	NOUN
cjfa-18794	233	42	for	for	ADP
cjfa-18794	233	43	the	the	DET
cjfa-18794	233	44	latter	latter	ADJ
cjfa-18794	233	45	one	one	NOUN
cjfa-18794	233	46	,	,	PUNCT
cjfa-18794	233	47	it	it	PRON
cjfa-18794	233	48	has	have	AUX
cjfa-18794	233	49	been	be	AUX
cjfa-18794	233	50	employed	employ	VERB
cjfa-18794	233	51	in	in	ADP
cjfa-18794	233	52	the	the	DET
cjfa-18794	233	53	model	model	NOUN
cjfa-18794	233	54	.	.	PUNCT
cjfa-18794	234	1	the	the	DET
cjfa-18794	234	2	estimate	estimate	NOUN
cjfa-18794	234	3	of	of	ADP
cjfa-18794	234	4	the	the	DET
cjfa-18794	234	5	coefficient	coefficient	NOUN
cjfa-18794	234	6	β4	β4	PROPN
cjfa-18794	234	7	is	be	AUX
cjfa-18794	234	8	expected	expect	VERB
cjfa-18794	234	9	to	to	PART
cjfa-18794	234	10	be	be	AUX
cjfa-18794	234	11	negative	negative	ADJ
cjfa-18794	234	12	since	since	SCONJ
cjfa-18794	234	13	growing	grow	VERB
cjfa-18794	234	14	unemployment	unemployment	NOUN
cjfa-18794	234	15	makes	make	VERB
cjfa-18794	234	16	households	household	NOUN
cjfa-18794	234	17	’	'	PUNCT
cjfa-18794	234	18	future	future	ADJ
cjfa-18794	234	19	incomes	income	NOUN
cjfa-18794	234	20	less	less	ADV
cjfa-18794	234	21	predictable	predictable	ADJ
cjfa-18794	234	22	thus	thus	ADV
cjfa-18794	234	23	discouraging	discourage	VERB
cjfa-18794	234	24	them	they	PRON
cjfa-18794	234	25	from	from	ADP
cjfa-18794	234	26	taking	take	VERB
cjfa-18794	234	27	on	on	ADP
cjfa-18794	234	28	additional	additional	ADJ
cjfa-18794	234	29	debt	debt	NOUN
cjfa-18794	234	30	.	.	PUNCT
cjfa-18794	235	1	according	accord	VERB
cjfa-18794	235	2	to	to	ADP
cjfa-18794	235	3	the	the	DET
cjfa-18794	235	4	available	available	ADJ
cjfa-18794	235	5	evidence	evidence	NOUN
cjfa-18794	235	6	,	,	PUNCT
cjfa-18794	235	7	the	the	DET
cjfa-18794	235	8	highest	high	ADJ
cjfa-18794	235	9	household	household	NOUN
cjfa-18794	235	10	indebtedness	indebtedness	NOUN
cjfa-18794	235	11	is	be	AUX
cjfa-18794	235	12	expected	expect	VERB
cjfa-18794	235	13	for	for	ADP
cjfa-18794	235	14	the	the	DET
cjfa-18794	235	15	middle	middle	ADJ
cjfa-18794	235	16	-	-	PUNCT
cjfa-18794	235	17	aged	aged	ADJ
cjfa-18794	235	18	cohorts	cohort	NOUN
cjfa-18794	235	19	and	and	CCONJ
cjfa-18794	235	20	for	for	ADP
cjfa-18794	235	21	the	the	DET
cjfa-18794	235	22	persons	person	NOUN
cjfa-18794	235	23	with	with	ADP
cjfa-18794	235	24	higher	high	ADJ
cjfa-18794	235	25	education	education	NOUN
cjfa-18794	235	26	attainment	attainment	NOUN
cjfa-18794	235	27	,	,	PUNCT
cjfa-18794	235	28	which	which	PRON
cjfa-18794	235	29	suggests	suggest	VERB
cjfa-18794	235	30	positive	positive	ADJ
cjfa-18794	235	31	estimates	estimate	NOUN
cjfa-18794	235	32	of	of	ADP
cjfa-18794	235	33	the	the	DET
cjfa-18794	235	34	coefficients	coefficient	NOUN
cjfa-18794	235	35	β5	β5	NOUN
cjfa-18794	235	36	and	and	CCONJ
cjfa-18794	235	37	β6	β6	PROPN
cjfa-18794	235	38	.	.	PUNCT
cjfa-18794	236	1	given	give	VERB
cjfa-18794	236	2	that	that	SCONJ
cjfa-18794	236	3	the	the	DET
cjfa-18794	236	4	growth	growth	NOUN
cjfa-18794	236	5	of	of	ADP
cjfa-18794	236	6	housing	housing	NOUN
cjfa-18794	236	7	prices	price	NOUN
cjfa-18794	236	8	fuels	fuel	VERB
cjfa-18794	236	9	household	household	NOUN
cjfa-18794	236	10	borrowing	borrowing	NOUN
cjfa-18794	236	11	,	,	PUNCT
cjfa-18794	236	12	while	while	SCONJ
cjfa-18794	236	13	their	their	PRON
cjfa-18794	236	14	decrease	decrease	NOUN
cjfa-18794	236	15	discourages	discourage	VERB
cjfa-18794	236	16	it	it	PRON
cjfa-18794	236	17	,	,	PUNCT
cjfa-18794	236	18	the	the	DET
cjfa-18794	236	19	estimated	estimate	VERB
cjfa-18794	236	20	value	value	NOUN
cjfa-18794	236	21	of	of	ADP
cjfa-18794	236	22	the	the	DET
cjfa-18794	236	23	coefficient	coefficient	NOUN
cjfa-18794	236	24	β7	β7	PROPN
cjfa-18794	236	25	is	be	AUX
cjfa-18794	236	26	expected	expect	VERB
cjfa-18794	236	27	to	to	PART
cjfa-18794	236	28	be	be	AUX
cjfa-18794	236	29	positive	positive	ADJ
cjfa-18794	236	30	.	.	PUNCT
cjfa-18794	237	1	again	again	ADV
cjfa-18794	237	2	,	,	PUNCT
cjfa-18794	237	3	in	in	ADP
cjfa-18794	237	4	order	order	NOUN
cjfa-18794	237	5	to	to	PART
cjfa-18794	237	6	use	use	VERB
cjfa-18794	237	7	a	a	DET
cjfa-18794	237	8	possibly	possibly	ADV
cjfa-18794	237	9	most	most	ADV
cjfa-18794	237	10	complete	complete	ADJ
cjfa-18794	237	11	time	time	NOUN
cjfa-18794	237	12	series	series	NOUN
cjfa-18794	237	13	,	,	PUNCT
cjfa-18794	237	14	the	the	DET
cjfa-18794	237	15	housing	housing	NOUN
cjfa-18794	237	16	rental	rental	NOUN
cjfa-18794	237	17	price	price	NOUN
cjfa-18794	237	18	index	index	NOUN
cjfa-18794	237	19	has	have	AUX
cjfa-18794	237	20	been	be	AUX
cjfa-18794	237	21	employed	employ	VERB
cjfa-18794	237	22	in	in	ADP
cjfa-18794	237	23	the	the	DET
cjfa-18794	237	24	model	model	NOUN
cjfa-18794	237	25	as	as	ADP
cjfa-18794	237	26	an	an	DET
cjfa-18794	237	27	explanatory	explanatory	ADJ
cjfa-18794	237	28	variable	variable	NOUN
cjfa-18794	237	29	.	.	PUNCT
cjfa-18794	238	1	finally	finally	ADV
cjfa-18794	238	2	,	,	PUNCT
cjfa-18794	238	3	both	both	CCONJ
cjfa-18794	238	4	wider	wide	ADJ
cjfa-18794	238	5	wage	wage	NOUN
cjfa-18794	238	6	-	-	PUNCT
cjfa-18794	238	7	productivity	productivity	NOUN
cjfa-18794	238	8	gaps	gap	NOUN
cjfa-18794	238	9	and	and	CCONJ
cjfa-18794	238	10	more	more	ADV
cjfa-18794	238	11	unequal	unequal	ADJ
cjfa-18794	238	12	distribution	distribution	NOUN
cjfa-18794	238	13	of	of	ADP
cjfa-18794	238	14	incomes	income	NOUN
cjfa-18794	238	15	might	might	AUX
cjfa-18794	238	16	encourage	encourage	VERB
cjfa-18794	238	17	poorer	poor	ADJ
cjfa-18794	238	18	households	household	NOUN
cjfa-18794	238	19	to	to	PART
cjfa-18794	238	20	fuel	fuel	VERB
cjfa-18794	238	21	consumption	consumption	NOUN
cjfa-18794	238	22	with	with	ADP
cjfa-18794	238	23	debt	debt	NOUN
cjfa-18794	238	24	in	in	ADP
cjfa-18794	238	25	order	order	NOUN
cjfa-18794	238	26	to	to	PART
cjfa-18794	238	27	reduce	reduce	VERB
cjfa-18794	238	28	the	the	DET
cjfa-18794	238	29	distance	distance	NOUN
cjfa-18794	238	30	from	from	ADP
cjfa-18794	238	31	their	their	PRON
cjfa-18794	238	32	richer	rich	ADJ
cjfa-18794	238	33	peers	peer	NOUN
cjfa-18794	238	34	,	,	PUNCT
cjfa-18794	238	35	which	which	PRON
cjfa-18794	238	36	allows	allow	VERB
cjfa-18794	238	37	to	to	PART
cjfa-18794	238	38	expect	expect	VERB
cjfa-18794	238	39	positive	positive	ADJ
cjfa-18794	238	40	estimates	estimate	NOUN
cjfa-18794	238	41	of	of	ADP
cjfa-18794	238	42	the	the	DET
cjfa-18794	238	43	coefficients	coefficient	NOUN
cjfa-18794	238	44	β8	β8	ADJ
cjfa-18794	238	45	and	and	CCONJ
cjfa-18794	238	46	β9	β9	ADJ
cjfa-18794	238	47	.	.	PUNCT
cjfa-18794	238	48	–	–	PUNCT
cjfa-18794	238	49	year	year	NOUN
cjfa-18794	238	50	,	,	PUNCT
cjfa-18794	238	51	‒	‒	X
cjfa-18794	238	52	‒	‒	ADP
cjfa-18794	238	53	�	�	PROPN
cjfa-18794	238	54	�	�	PROPN
cjfa-18794	238	55	�	�	PROPN
cjfa-18794	238	56	�	�	PROPN
cjfa-18794	238	57	�	�	PROPN
cjfa-18794	238	58	�	�	PROPN
cjfa-18794	238	59	�	�	PROPN
cjfa-18794	238	60	–	–	PUNCT
cjfa-18794	238	61	wage	wage	NOUN
cjfa-18794	238	62	-	-	PUNCT
cjfa-18794	238	63	productivity	productivity	NOUN
cjfa-18794	238	64	gap	gap	NOUN
cjfa-18794	238	65	measured	measure	VERB
cjfa-18794	238	66	as	as	ADP
cjfa-18794	238	67	the	the	DET
cjfa-18794	238	68	natural	natural	ADJ
cjfa-18794	238	69	log	log	NOUN
cjfa-18794	238	70	of	of	ADP
cjfa-18794	238	71	the	the	DET
cjfa-18794	238	72	relation	relation	NOUN
cjfa-18794	238	73	of	of	ADP
cjfa-18794	238	74	gdp	gdp	NOUN
cjfa-18794	238	75	per	per	ADP
cjfa-18794	238	76	person	person	NOUN
cjfa-18794	238	77	employed	employ	VERB
cjfa-18794	238	78	to	to	PART
cjfa-18794	238	79	average	average	ADJ
cjfa-18794	238	80	annual	annual	ADJ
cjfa-18794	238	81	wage	wage	NOUN
cjfa-18794	238	82	,	,	PUNCT
cjfa-18794	238	83	‒	‒	X
cjfa-18794	238	84	�	�	PROPN
cjfa-18794	238	85	�	�	PROPN
cjfa-18794	238	86	�	�	PROPN
cjfa-18794	238	87	�	�	PROPN
cjfa-18794	238	88	�	�	PROPN
cjfa-18794	238	89	–	–	PUNCT
cjfa-18794	238	90	natural	natural	ADJ
cjfa-18794	238	91	log	log	NOUN
cjfa-18794	238	92	of	of	ADP
cjfa-18794	238	93	the	the	DET
cjfa-18794	238	94	gini	gini	PROPN
cjfa-18794	238	95	coefficient	coefficient	NOUN
cjfa-18794	238	96	for	for	ADP
cjfa-18794	238	97	net	net	ADJ
cjfa-18794	238	98	disposable	disposable	ADJ
cjfa-18794	238	99	income	income	NOUN
cjfa-18794	238	100	,	,	PUNCT
cjfa-18794	238	101	‒	‒	X
cjfa-18794	238	102	�	�	PROPN
cjfa-18794	238	103	�	�	PROPN
cjfa-18794	238	104	�	�	PROPN
cjfa-18794	238	105	�	�	PROPN
cjfa-18794	238	106	�	�	PROPN
cjfa-18794	238	107	�	�	PROPN
cjfa-18794	238	108	�	�	PROPN
cjfa-18794	238	109	�	�	PROPN
cjfa-18794	238	110	�	�	PROPN
cjfa-18794	238	111	�	�	PROPN
cjfa-18794	238	112	–	–	PUNCT
cjfa-18794	238	113	regression	regression	NOUN
cjfa-18794	238	114	coefficients	coefficient	NOUN
cjfa-18794	238	115	,	,	PUNCT
cjfa-18794	238	116	‒	‒	X
cjfa-18794	238	117	�	�	PROPN
cjfa-18794	238	118	�	�	PROPN
cjfa-18794	238	119	–	–	PUNCT
cjfa-18794	238	120	intercept	intercept	NOUN
cjfa-18794	238	121	,	,	PUNCT
cjfa-18794	238	122	‒	‒	X
cjfa-18794	238	123	�	�	PROPN
cjfa-18794	238	124	�	�	PROPN
cjfa-18794	238	125	–	–	PUNCT
cjfa-18794	238	126	unknown	unknown	ADJ
cjfa-18794	238	127	intercept	intercept	NOUN
cjfa-18794	238	128	for	for	ADP
cjfa-18794	238	129	each	each	DET
cjfa-18794	238	130	country	country	NOUN
cjfa-18794	238	131	,	,	PUNCT
cjfa-18794	238	132	‒	‒	X
cjfa-18794	238	133	�	�	PROPN
cjfa-18794	238	134	–	–	PUNCT
cjfa-18794	238	135	country	country	NOUN
cjfa-18794	238	136	,	,	PUNCT
cjfa-18794	238	137	‒	‒	X
cjfa-18794	238	138	�	�	PROPN
cjfa-18794	238	139	–	–	PUNCT
cjfa-18794	238	140	year	year	NOUN
cjfa-18794	238	141	,	,	PUNCT
cjfa-18794	238	142	‒	‒	X
cjfa-18794	238	143	�	�	PROPN
cjfa-18794	238	144	�	�	PROPN
cjfa-18794	238	145	�	�	PROPN
cjfa-18794	238	146	–	–	PUNCT
cjfa-18794	238	147	error	error	NOUN
cjfa-18794	238	148	term	term	NOUN
cjfa-18794	238	149	.	.	PUNCT
cjfa-18794	239	1	as	as	SCONJ
cjfa-18794	239	2	regards	regard	VERB
cjfa-18794	239	3	the	the	DET
cjfa-18794	239	4	expected	expect	VERB
cjfa-18794	239	5	signs	sign	NOUN
cjfa-18794	239	6	of	of	ADP
cjfa-18794	239	7	the	the	DET
cjfa-18794	239	8	regression	regression	NOUN
cjfa-18794	239	9	coefficients	coefficient	NOUN
cjfa-18794	239	10	,	,	PUNCT
cjfa-18794	239	11	both	both	PRON
cjfa-18794	239	12	higher	high	ADJ
cjfa-18794	239	13	average	average	ADJ
cjfa-18794	239	14	wages	wage	NOUN
cjfa-18794	239	15	and	and	CCONJ
cjfa-18794	239	16	faster	fast	ADJ
cjfa-18794	239	17	gdp	gdp	NOUN
cjfa-18794	239	18	growth	growth	NOUN
cjfa-18794	239	19	should	should	AUX
cjfa-18794	239	20	generally	generally	ADV
cjfa-18794	239	21	fuel	fuel	VERB
cjfa-18794	239	22	borrowing	borrowing	NOUN
cjfa-18794	239	23	,	,	PUNCT
cjfa-18794	239	24	as	as	SCONJ
cjfa-18794	239	25	they	they	PRON
cjfa-18794	239	26	improve	improve	VERB
cjfa-18794	239	27	households	household	NOUN
cjfa-18794	239	28	’	'	PUNCT
cjfa-18794	239	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	239	30	and	and	CCONJ
cjfa-18794	239	31	boost	boost	VERB
cjfa-18794	239	32	their	their	PRON
cjfa-18794	239	33	optimism	optimism	NOUN
cjfa-18794	239	34	about	about	ADP
cjfa-18794	239	35	the	the	DET
cjfa-18794	239	36	future	future	ADJ
cjfa-18794	239	37	income	income	NOUN
cjfa-18794	239	38	prospects	prospect	NOUN
cjfa-18794	239	39	,	,	PUNCT
cjfa-18794	239	40	allowing	allow	VERB
cjfa-18794	239	41	them	they	PRON
cjfa-18794	239	42	to	to	PART
cjfa-18794	239	43	take	take	VERB
cjfa-18794	239	44	on	on	ADP
cjfa-18794	239	45	larger	large	ADJ
cjfa-18794	239	46	loans	loan	NOUN
cjfa-18794	239	47	.	.	PUNCT
cjfa-18794	240	1	the	the	DET
cjfa-18794	240	2	estimates	estimate	NOUN
cjfa-18794	240	3	of	of	ADP
cjfa-18794	240	4	the	the	DET
cjfa-18794	240	5	coefficients	coefficient	NOUN
cjfa-18794	240	6	β1	β1	PROPN
cjfa-18794	240	7	and	and	CCONJ
cjfa-18794	240	8	β2	β2	NOUN
cjfa-18794	240	9	are	be	AUX
cjfa-18794	240	10	,	,	PUNCT
cjfa-18794	240	11	therefore	therefore	ADV
cjfa-18794	240	12	,	,	PUNCT
cjfa-18794	240	13	expected	expect	VERB
cjfa-18794	240	14	to	to	PART
cjfa-18794	240	15	be	be	AUX
cjfa-18794	240	16	positive	positive	ADJ
cjfa-18794	240	17	.	.	PUNCT
cjfa-18794	241	1	however	however	ADV
cjfa-18794	241	2	,	,	PUNCT
cjfa-18794	241	3	it	it	PRON
cjfa-18794	241	4	is	be	AUX
cjfa-18794	241	5	possible	possible	ADJ
cjfa-18794	241	6	that	that	SCONJ
cjfa-18794	241	7	they	they	PRON
cjfa-18794	241	8	become	become	VERB
cjfa-18794	241	9	negative	negative	ADJ
cjfa-18794	241	10	if	if	SCONJ
cjfa-18794	241	11	household	household	NOUN
cjfa-18794	241	12	incomes	income	NOUN
cjfa-18794	241	13	should	should	AUX
cjfa-18794	241	14	grow	grow	VERB
cjfa-18794	241	15	faster	fast	ADV
cjfa-18794	241	16	than	than	ADP
cjfa-18794	241	17	the	the	DET
cjfa-18794	241	18	stock	stock	NOUN
cjfa-18794	241	19	of	of	ADP
cjfa-18794	241	20	debt	debt	NOUN
cjfa-18794	241	21	.	.	PUNCT
cjfa-18794	242	1	the	the	DET
cjfa-18794	242	2	interest	interest	NOUN
cjfa-18794	242	3	rate	rate	NOUN
cjfa-18794	242	4	is	be	AUX
cjfa-18794	242	5	expected	expect	VERB
cjfa-18794	242	6	to	to	PART
cjfa-18794	242	7	be	be	AUX
cjfa-18794	242	8	inversely	inversely	ADV
cjfa-18794	242	9	related	relate	VERB
cjfa-18794	242	10	to	to	ADP
cjfa-18794	242	11	the	the	DET
cjfa-18794	242	12	dti	dti	PROPN
cjfa-18794	242	13	ratio	ratio	NOUN
cjfa-18794	242	14	resulting	result	VERB
cjfa-18794	242	15	in	in	ADP
cjfa-18794	242	16	a	a	DET
cjfa-18794	242	17	negative	negative	ADJ
cjfa-18794	242	18	estimate	estimate	NOUN
cjfa-18794	242	19	of	of	ADP
cjfa-18794	242	20	the	the	DET
cjfa-18794	242	21	coefficient	coefficient	NOUN
cjfa-18794	242	22	β3	β3	ADJ
cjfa-18794	242	23	.	.	PUNCT
cjfa-18794	243	1	although	although	SCONJ
cjfa-18794	243	2	the	the	DET
cjfa-18794	243	3	prevalence	prevalence	NOUN
cjfa-18794	243	4	of	of	ADP
cjfa-18794	243	5	mortgage	mortgage	NOUN
cjfa-18794	243	6	debt	debt	NOUN
cjfa-18794	243	7	suggests	suggest	VERB
cjfa-18794	243	8	using	use	VERB
cjfa-18794	243	9	a	a	DET
cjfa-18794	243	10	long	long	ADJ
cjfa-18794	243	11	-	-	PUNCT
cjfa-18794	243	12	term	term	NOUN
cjfa-18794	243	13	interest	interest	NOUN
cjfa-18794	243	14	rate	rate	NOUN
cjfa-18794	243	15	as	as	ADP
cjfa-18794	243	16	an	an	DET
cjfa-18794	243	17	explanatory	explanatory	ADJ
cjfa-18794	243	18	variable	variable	NOUN
cjfa-18794	243	19	,	,	PUNCT
cjfa-18794	243	20	given	give	VERB
cjfa-18794	243	21	a	a	DET
cjfa-18794	243	22	strong	strong	ADJ
cjfa-18794	243	23	positive	positive	ADJ
cjfa-18794	243	24	correlation	correlation	NOUN
cjfa-18794	243	25	between	between	ADP
cjfa-18794	243	26	long	long	ADJ
cjfa-18794	243	27	and	and	CCONJ
cjfa-18794	243	28	short	short	ADJ
cjfa-18794	243	29	-	-	PUNCT
cjfa-18794	243	30	term	term	NOUN
cjfa-18794	243	31	interest	interest	NOUN
cjfa-18794	243	32	rates	rate	NOUN
cjfa-18794	243	33	,	,	PUNCT
cjfa-18794	243	34	and	and	CCONJ
cjfa-18794	243	35	a	a	DET
cjfa-18794	243	36	much	much	ADV
cjfa-18794	243	37	higher	high	ADJ
cjfa-18794	243	38	number	number	NOUN
cjfa-18794	243	39	of	of	ADP
cjfa-18794	243	40	available	available	ADJ
cjfa-18794	243	41	observations	observation	NOUN
cjfa-18794	243	42	for	for	ADP
cjfa-18794	243	43	the	the	DET
cjfa-18794	243	44	latter	latter	ADJ
cjfa-18794	243	45	one	one	NOUN
cjfa-18794	243	46	,	,	PUNCT
cjfa-18794	243	47	it	it	PRON
cjfa-18794	243	48	has	have	AUX
cjfa-18794	243	49	been	be	AUX
cjfa-18794	243	50	employed	employ	VERB
cjfa-18794	243	51	in	in	ADP
cjfa-18794	243	52	the	the	DET
cjfa-18794	243	53	model	model	NOUN
cjfa-18794	243	54	.	.	PUNCT
cjfa-18794	244	1	the	the	DET
cjfa-18794	244	2	estimate	estimate	NOUN
cjfa-18794	244	3	of	of	ADP
cjfa-18794	244	4	the	the	DET
cjfa-18794	244	5	coefficient	coefficient	NOUN
cjfa-18794	244	6	β4	β4	PROPN
cjfa-18794	244	7	is	be	AUX
cjfa-18794	244	8	expected	expect	VERB
cjfa-18794	244	9	to	to	PART
cjfa-18794	244	10	be	be	AUX
cjfa-18794	244	11	negative	negative	ADJ
cjfa-18794	244	12	since	since	SCONJ
cjfa-18794	244	13	growing	grow	VERB
cjfa-18794	244	14	unemployment	unemployment	NOUN
cjfa-18794	244	15	makes	make	VERB
cjfa-18794	244	16	households	household	NOUN
cjfa-18794	244	17	’	'	PUNCT
cjfa-18794	244	18	future	future	ADJ
cjfa-18794	244	19	incomes	income	NOUN
cjfa-18794	244	20	less	less	ADV
cjfa-18794	244	21	predictable	predictable	ADJ
cjfa-18794	244	22	thus	thus	ADV
cjfa-18794	244	23	discouraging	discourage	VERB
cjfa-18794	244	24	them	they	PRON
cjfa-18794	244	25	from	from	ADP
cjfa-18794	244	26	taking	take	VERB
cjfa-18794	244	27	on	on	ADP
cjfa-18794	244	28	additional	additional	ADJ
cjfa-18794	244	29	debt	debt	NOUN
cjfa-18794	244	30	.	.	PUNCT
cjfa-18794	245	1	according	accord	VERB
cjfa-18794	245	2	to	to	ADP
cjfa-18794	245	3	the	the	DET
cjfa-18794	245	4	available	available	ADJ
cjfa-18794	245	5	evidence	evidence	NOUN
cjfa-18794	245	6	,	,	PUNCT
cjfa-18794	245	7	the	the	DET
cjfa-18794	245	8	highest	high	ADJ
cjfa-18794	245	9	household	household	NOUN
cjfa-18794	245	10	indebtedness	indebtedness	NOUN
cjfa-18794	245	11	is	be	AUX
cjfa-18794	245	12	expected	expect	VERB
cjfa-18794	245	13	for	for	ADP
cjfa-18794	245	14	the	the	DET
cjfa-18794	245	15	middle	middle	ADJ
cjfa-18794	245	16	-	-	PUNCT
cjfa-18794	245	17	aged	aged	ADJ
cjfa-18794	245	18	cohorts	cohort	NOUN
cjfa-18794	245	19	and	and	CCONJ
cjfa-18794	245	20	for	for	ADP
cjfa-18794	245	21	the	the	DET
cjfa-18794	245	22	persons	person	NOUN
cjfa-18794	245	23	with	with	ADP
cjfa-18794	245	24	higher	high	ADJ
cjfa-18794	245	25	education	education	NOUN
cjfa-18794	245	26	attainment	attainment	NOUN
cjfa-18794	245	27	,	,	PUNCT
cjfa-18794	245	28	which	which	PRON
cjfa-18794	245	29	suggests	suggest	VERB
cjfa-18794	245	30	positive	positive	ADJ
cjfa-18794	245	31	estimates	estimate	NOUN
cjfa-18794	245	32	of	of	ADP
cjfa-18794	245	33	the	the	DET
cjfa-18794	245	34	coefficients	coefficient	NOUN
cjfa-18794	245	35	β5	β5	NOUN
cjfa-18794	245	36	and	and	CCONJ
cjfa-18794	245	37	β6	β6	PROPN
cjfa-18794	245	38	.	.	PUNCT
cjfa-18794	246	1	given	give	VERB
cjfa-18794	246	2	that	that	SCONJ
cjfa-18794	246	3	the	the	DET
cjfa-18794	246	4	growth	growth	NOUN
cjfa-18794	246	5	of	of	ADP
cjfa-18794	246	6	housing	housing	NOUN
cjfa-18794	246	7	prices	price	NOUN
cjfa-18794	246	8	fuels	fuel	VERB
cjfa-18794	246	9	household	household	NOUN
cjfa-18794	246	10	borrowing	borrowing	NOUN
cjfa-18794	246	11	,	,	PUNCT
cjfa-18794	246	12	while	while	SCONJ
cjfa-18794	246	13	their	their	PRON
cjfa-18794	246	14	decrease	decrease	NOUN
cjfa-18794	246	15	discourages	discourage	VERB
cjfa-18794	246	16	it	it	PRON
cjfa-18794	246	17	,	,	PUNCT
cjfa-18794	246	18	the	the	DET
cjfa-18794	246	19	estimated	estimate	VERB
cjfa-18794	246	20	value	value	NOUN
cjfa-18794	246	21	of	of	ADP
cjfa-18794	246	22	the	the	DET
cjfa-18794	246	23	coefficient	coefficient	NOUN
cjfa-18794	246	24	β7	β7	PROPN
cjfa-18794	246	25	is	be	AUX
cjfa-18794	246	26	expected	expect	VERB
cjfa-18794	246	27	to	to	PART
cjfa-18794	246	28	be	be	AUX
cjfa-18794	246	29	positive	positive	ADJ
cjfa-18794	246	30	.	.	PUNCT
cjfa-18794	247	1	again	again	ADV
cjfa-18794	247	2	,	,	PUNCT
cjfa-18794	247	3	in	in	ADP
cjfa-18794	247	4	order	order	NOUN
cjfa-18794	247	5	to	to	PART
cjfa-18794	247	6	use	use	VERB
cjfa-18794	247	7	a	a	DET
cjfa-18794	247	8	possibly	possibly	ADV
cjfa-18794	247	9	most	most	ADV
cjfa-18794	247	10	complete	complete	ADJ
cjfa-18794	247	11	time	time	NOUN
cjfa-18794	247	12	series	series	NOUN
cjfa-18794	247	13	,	,	PUNCT
cjfa-18794	247	14	the	the	DET
cjfa-18794	247	15	housing	housing	NOUN
cjfa-18794	247	16	rental	rental	NOUN
cjfa-18794	247	17	price	price	NOUN
cjfa-18794	247	18	index	index	NOUN
cjfa-18794	247	19	has	have	AUX
cjfa-18794	247	20	been	be	AUX
cjfa-18794	247	21	employed	employ	VERB
cjfa-18794	247	22	in	in	ADP
cjfa-18794	247	23	the	the	DET
cjfa-18794	247	24	model	model	NOUN
cjfa-18794	247	25	as	as	ADP
cjfa-18794	247	26	an	an	DET
cjfa-18794	247	27	explanatory	explanatory	ADJ
cjfa-18794	247	28	variable	variable	NOUN
cjfa-18794	247	29	.	.	PUNCT
cjfa-18794	248	1	finally	finally	ADV
cjfa-18794	248	2	,	,	PUNCT
cjfa-18794	248	3	both	both	CCONJ
cjfa-18794	248	4	wider	wide	ADJ
cjfa-18794	248	5	wage	wage	NOUN
cjfa-18794	248	6	-	-	PUNCT
cjfa-18794	248	7	productivity	productivity	NOUN
cjfa-18794	248	8	gaps	gap	NOUN
cjfa-18794	248	9	and	and	CCONJ
cjfa-18794	248	10	more	more	ADV
cjfa-18794	248	11	unequal	unequal	ADJ
cjfa-18794	248	12	distribution	distribution	NOUN
cjfa-18794	248	13	of	of	ADP
cjfa-18794	248	14	incomes	income	NOUN
cjfa-18794	248	15	might	might	AUX
cjfa-18794	248	16	encourage	encourage	VERB
cjfa-18794	248	17	poorer	poor	ADJ
cjfa-18794	248	18	households	household	NOUN
cjfa-18794	248	19	to	to	PART
cjfa-18794	248	20	fuel	fuel	VERB
cjfa-18794	248	21	consumption	consumption	NOUN
cjfa-18794	248	22	with	with	ADP
cjfa-18794	248	23	debt	debt	NOUN
cjfa-18794	248	24	in	in	ADP
cjfa-18794	248	25	order	order	NOUN
cjfa-18794	248	26	to	to	PART
cjfa-18794	248	27	reduce	reduce	VERB
cjfa-18794	248	28	the	the	DET
cjfa-18794	248	29	distance	distance	NOUN
cjfa-18794	248	30	from	from	ADP
cjfa-18794	248	31	their	their	PRON
cjfa-18794	248	32	richer	rich	ADJ
cjfa-18794	248	33	peers	peer	NOUN
cjfa-18794	248	34	,	,	PUNCT
cjfa-18794	248	35	which	which	PRON
cjfa-18794	248	36	allows	allow	VERB
cjfa-18794	248	37	to	to	PART
cjfa-18794	248	38	expect	expect	VERB
cjfa-18794	248	39	positive	positive	ADJ
cjfa-18794	248	40	estimates	estimate	NOUN
cjfa-18794	248	41	of	of	ADP
cjfa-18794	248	42	the	the	DET
cjfa-18794	248	43	coefficients	coefficient	NOUN
cjfa-18794	248	44	β8	β8	ADJ
cjfa-18794	248	45	and	and	CCONJ
cjfa-18794	248	46	β9	β9	ADJ
cjfa-18794	248	47	.	.	PUNCT
cjfa-18794	249	1	–	–	PUNCT
cjfa-18794	249	2	error	error	NOUN
cjfa-18794	249	3	term	term	NOUN
cjfa-18794	249	4	.	.	PUNCT
cjfa-18794	250	1	as	as	SCONJ
cjfa-18794	250	2	regards	regard	VERB
cjfa-18794	250	3	the	the	DET
cjfa-18794	250	4	expected	expect	VERB
cjfa-18794	250	5	signs	sign	NOUN
cjfa-18794	250	6	of	of	ADP
cjfa-18794	250	7	the	the	DET
cjfa-18794	250	8	regression	regression	NOUN
cjfa-18794	250	9	coefficients	coefficient	NOUN
cjfa-18794	250	10	,	,	PUNCT
cjfa-18794	250	11	both	both	PRON
cjfa-18794	250	12	higher	high	ADJ
cjfa-18794	250	13	average	average	ADJ
cjfa-18794	250	14	wages	wage	NOUN
cjfa-18794	250	15	and	and	CCONJ
cjfa-18794	250	16	faster	fast	ADJ
cjfa-18794	250	17	gdp	gdp	NOUN
cjfa-18794	250	18	growth	growth	NOUN
cjfa-18794	250	19	should	should	AUX
cjfa-18794	250	20	generally	generally	ADV
cjfa-18794	250	21	fuel	fuel	VERB
cjfa-18794	250	22	borrowing	borrowing	NOUN
cjfa-18794	250	23	,	,	PUNCT
cjfa-18794	250	24	as	as	SCONJ
cjfa-18794	250	25	they	they	PRON
cjfa-18794	250	26	improve	improve	VERB
cjfa-18794	250	27	households	household	NOUN
cjfa-18794	250	28	’	'	PUNCT
cjfa-18794	250	29	creditworthiness	creditworthiness	NOUN
cjfa-18794	250	30	and	and	CCONJ
cjfa-18794	250	31	boost	boost	VERB
cjfa-18794	250	32	their	their	PRON
cjfa-18794	250	33	optimism	optimism	NOUN
cjfa-18794	250	34	about	about	ADP
cjfa-18794	250	35	the	the	DET
cjfa-18794	250	36	future	future	ADJ
cjfa-18794	250	37	income	income	NOUN
cjfa-18794	250	38	prospects	prospect	NOUN
cjfa-18794	250	39	,	,	PUNCT
cjfa-18794	250	40	allowing	allow	VERB
cjfa-18794	250	41	them	they	PRON
cjfa-18794	250	42	to	to	PART
cjfa-18794	250	43	take	take	VERB
cjfa-18794	250	44	on	on	ADP
cjfa-18794	250	45	larger	large	ADJ
cjfa-18794	250	46	loans	loan	NOUN
cjfa-18794	250	47	.	.	PUNCT
cjfa-18794	251	1	the	the	DET
cjfa-18794	251	2	estimates	estimate	NOUN
cjfa-18794	251	3	of	of	ADP
cjfa-18794	251	4	the	the	DET
cjfa-18794	251	5	coefficients	coefficient	NOUN
cjfa-18794	251	6	β1	β1	PROPN
cjfa-18794	251	7	and	and	CCONJ
cjfa-18794	251	8	β2	β2	NOUN
cjfa-18794	251	9	are	be	AUX
cjfa-18794	251	10	,	,	PUNCT
cjfa-18794	251	11	therefore	therefore	ADV
cjfa-18794	251	12	,	,	PUNCT
cjfa-18794	251	13	expected	expect	VERB
cjfa-18794	251	14	to	to	PART
cjfa-18794	251	15	be	be	AUX
cjfa-18794	251	16	positive	positive	ADJ
cjfa-18794	251	17	.	.	PUNCT
cjfa-18794	252	1	however	however	ADV
cjfa-18794	252	2	,	,	PUNCT
cjfa-18794	252	3	it	it	PRON
cjfa-18794	252	4	is	be	AUX
cjfa-18794	252	5	possible	possible	ADJ
cjfa-18794	252	6	that	that	SCONJ
cjfa-18794	252	7	they	they	PRON
cjfa-18794	252	8	become	become	VERB
cjfa-18794	252	9	negative	negative	ADJ
cjfa-18794	252	10	if	if	SCONJ
cjfa-18794	252	11	household	household	NOUN
cjfa-18794	252	12	incomes	income	NOUN
cjfa-18794	252	13	should	should	AUX
cjfa-18794	252	14	grow	grow	VERB
cjfa-18794	252	15	faster	fast	ADV
cjfa-18794	252	16	than	than	ADP
cjfa-18794	252	17	the	the	DET
cjfa-18794	252	18	stock	stock	NOUN
cjfa-18794	252	19	of	of	ADP
cjfa-18794	252	20	debt	debt	NOUN
cjfa-18794	252	21	.	.	PUNCT
cjfa-18794	253	1	the	the	DET
cjfa-18794	253	2	interest	interest	NOUN
cjfa-18794	253	3	rate	rate	NOUN
cjfa-18794	253	4	is	be	AUX
cjfa-18794	253	5	expected	expect	VERB
cjfa-18794	253	6	to	to	PART
cjfa-18794	253	7	be	be	AUX
cjfa-18794	253	8	inversely	inversely	ADV
cjfa-18794	253	9	related	relate	VERB
cjfa-18794	253	10	to	to	ADP
cjfa-18794	253	11	the	the	DET
cjfa-18794	253	12	dti	dti	PROPN
cjfa-18794	253	13	ratio	ratio	NOUN
cjfa-18794	253	14	resulting	result	VERB
cjfa-18794	253	15	in	in	ADP
cjfa-18794	253	16	a	a	DET
cjfa-18794	253	17	negative	negative	ADJ
cjfa-18794	253	18	estimate	estimate	NOUN
cjfa-18794	253	19	of	of	ADP
cjfa-18794	253	20	the	the	DET
cjfa-18794	253	21	coefficient	coefficient	NOUN
cjfa-18794	253	22	β3	β3	ADJ
cjfa-18794	253	23	.	.	PUNCT
cjfa-18794	254	1	although	although	SCONJ
cjfa-18794	254	2	the	the	DET
cjfa-18794	254	3	prevalence	prevalence	NOUN
cjfa-18794	254	4	of	of	ADP
cjfa-18794	254	5	mortgage	mortgage	NOUN
cjfa-18794	254	6	debt	debt	NOUN
cjfa-18794	254	7	suggests	suggest	VERB
cjfa-18794	254	8	using	use	VERB
cjfa-18794	254	9	a	a	DET
cjfa-18794	254	10	long	long	ADJ
cjfa-18794	254	11	-	-	PUNCT
cjfa-18794	254	12	term	term	NOUN
cjfa-18794	254	13	interest	interest	NOUN
cjfa-18794	254	14	rate	rate	NOUN
cjfa-18794	254	15	as	as	ADP
cjfa-18794	254	16	an	an	DET
cjfa-18794	254	17	explanatory	explanatory	ADJ
cjfa-18794	254	18	variable	variable	NOUN
cjfa-18794	254	19	,	,	PUNCT
cjfa-18794	254	20	given	give	VERB
cjfa-18794	254	21	a	a	DET
cjfa-18794	254	22	strong	strong	ADJ
cjfa-18794	254	23	positive	positive	ADJ
cjfa-18794	254	24	correlation	correlation	NOUN
cjfa-18794	254	25	between	between	ADP
cjfa-18794	254	26	long	long	ADJ
cjfa-18794	254	27	and	and	CCONJ
cjfa-18794	254	28	short	short	ADJ
cjfa-18794	254	29	-	-	PUNCT
cjfa-18794	254	30	term	term	NOUN
cjfa-18794	254	31	interest	interest	NOUN
cjfa-18794	254	32	rates	rate	NOUN
cjfa-18794	254	33	,	,	PUNCT
cjfa-18794	254	34	and	and	CCONJ
cjfa-18794	254	35	a	a	DET
cjfa-18794	254	36	much	much	ADV
cjfa-18794	254	37	higher	high	ADJ
cjfa-18794	254	38	number	number	NOUN
cjfa-18794	254	39	of	of	ADP
cjfa-18794	254	40	available	available	ADJ
cjfa-18794	254	41	observations	observation	NOUN
cjfa-18794	254	42	for	for	ADP
cjfa-18794	254	43	the	the	DET
cjfa-18794	254	44	latter	latter	ADJ
cjfa-18794	254	45	one	one	NOUN
cjfa-18794	254	46	,	,	PUNCT
cjfa-18794	254	47	it	it	PRON
cjfa-18794	254	48	has	have	AUX
cjfa-18794	254	49	been	be	AUX
cjfa-18794	254	50	employed	employ	VERB
cjfa-18794	254	51	in	in	ADP
cjfa-18794	254	52	the	the	DET
cjfa-18794	254	53	model	model	NOUN
cjfa-18794	254	54	.	.	PUNCT
cjfa-18794	255	1	(	(	PUNCT
cjfa-18794	255	2	1	1	X
cjfa-18794	255	3	)	)	PUNCT
cjfa-18794	255	4	piotr	piotr	NOUN
cjfa-18794	255	5	bolibok36	bolibok36	NOUN
cjfa-18794	255	6	the	the	DET
cjfa-18794	255	7	estimate	estimate	NOUN
cjfa-18794	255	8	of	of	ADP
cjfa-18794	255	9	the	the	DET
cjfa-18794	255	10	coefficient	coefficient	NOUN
cjfa-18794	255	11	β4	β4	PROPN
cjfa-18794	255	12	is	be	AUX
cjfa-18794	255	13	expected	expect	VERB
cjfa-18794	255	14	to	to	PART
cjfa-18794	255	15	be	be	AUX
cjfa-18794	255	16	negative	negative	ADJ
cjfa-18794	255	17	since	since	SCONJ
cjfa-18794	255	18	growing	grow	VERB
cjfa-18794	255	19	unemployment	unemployment	NOUN
cjfa-18794	255	20	makes	make	VERB
cjfa-18794	255	21	households	household	NOUN
cjfa-18794	255	22	’	'	PUNCT
cjfa-18794	255	23	future	future	ADJ
cjfa-18794	255	24	incomes	income	NOUN
cjfa-18794	255	25	less	less	ADV
cjfa-18794	255	26	predictable	predictable	ADJ
cjfa-18794	255	27	thus	thus	ADV
cjfa-18794	255	28	discouraging	discourage	VERB
cjfa-18794	255	29	them	they	PRON
cjfa-18794	255	30	from	from	ADP
cjfa-18794	255	31	taking	take	VERB
cjfa-18794	255	32	on	on	ADP
cjfa-18794	255	33	additional	additional	ADJ
cjfa-18794	255	34	debt	debt	NOUN
cjfa-18794	255	35	.	.	PUNCT
cjfa-18794	256	1	according	accord	VERB
cjfa-18794	256	2	to	to	ADP
cjfa-18794	256	3	the	the	DET
cjfa-18794	256	4	available	available	ADJ
cjfa-18794	256	5	evidence	evidence	NOUN
cjfa-18794	256	6	,	,	PUNCT
cjfa-18794	256	7	the	the	DET
cjfa-18794	256	8	highest	high	ADJ
cjfa-18794	256	9	household	household	NOUN
cjfa-18794	256	10	indebtedness	indebtedness	NOUN
cjfa-18794	256	11	is	be	AUX
cjfa-18794	256	12	expected	expect	VERB
cjfa-18794	256	13	for	for	ADP
cjfa-18794	256	14	the	the	DET
cjfa-18794	256	15	middle	middle	ADJ
cjfa-18794	256	16	-	-	PUNCT
cjfa-18794	256	17	aged	aged	ADJ
cjfa-18794	256	18	cohorts	cohort	NOUN
cjfa-18794	256	19	and	and	CCONJ
cjfa-18794	256	20	for	for	ADP
cjfa-18794	256	21	the	the	DET
cjfa-18794	256	22	persons	person	NOUN
cjfa-18794	256	23	with	with	ADP
cjfa-18794	256	24	higher	high	ADJ
cjfa-18794	256	25	education	education	NOUN
cjfa-18794	256	26	attainment	attainment	NOUN
cjfa-18794	256	27	,	,	PUNCT
cjfa-18794	256	28	which	which	PRON
cjfa-18794	256	29	suggests	suggest	VERB
cjfa-18794	256	30	positive	positive	ADJ
cjfa-18794	256	31	estimates	estimate	NOUN
cjfa-18794	256	32	of	of	ADP
cjfa-18794	256	33	the	the	DET
cjfa-18794	256	34	coefficients	coefficient	NOUN
cjfa-18794	256	35	β5	β5	NOUN
cjfa-18794	256	36	and	and	CCONJ
cjfa-18794	256	37	β6	β6	PROPN
cjfa-18794	256	38	.	.	PUNCT
cjfa-18794	257	1	given	give	VERB
cjfa-18794	257	2	that	that	SCONJ
cjfa-18794	257	3	the	the	DET
cjfa-18794	257	4	growth	growth	NOUN
cjfa-18794	257	5	of	of	ADP
cjfa-18794	257	6	housing	housing	NOUN
cjfa-18794	257	7	prices	price	NOUN
cjfa-18794	257	8	fuels	fuel	VERB
cjfa-18794	257	9	household	household	NOUN
cjfa-18794	257	10	borrowing	borrowing	NOUN
cjfa-18794	257	11	,	,	PUNCT
cjfa-18794	257	12	while	while	SCONJ
cjfa-18794	257	13	their	their	PRON
cjfa-18794	257	14	decrease	decrease	NOUN
cjfa-18794	257	15	discourages	discourage	VERB
cjfa-18794	257	16	it	it	PRON
cjfa-18794	257	17	,	,	PUNCT
cjfa-18794	257	18	the	the	DET
cjfa-18794	257	19	estimated	estimate	VERB
cjfa-18794	257	20	value	value	NOUN
cjfa-18794	257	21	of	of	ADP
cjfa-18794	257	22	the	the	DET
cjfa-18794	257	23	coefficient	coefficient	NOUN
cjfa-18794	257	24	β7	β7	PROPN
cjfa-18794	257	25	is	be	AUX
cjfa-18794	257	26	expected	expect	VERB
cjfa-18794	257	27	to	to	PART
cjfa-18794	257	28	be	be	AUX
cjfa-18794	257	29	positive	positive	ADJ
cjfa-18794	257	30	.	.	PUNCT
cjfa-18794	258	1	again	again	ADV
cjfa-18794	258	2	,	,	PUNCT
cjfa-18794	258	3	in	in	ADP
cjfa-18794	258	4	order	order	NOUN
cjfa-18794	258	5	to	to	PART
cjfa-18794	258	6	use	use	VERB
cjfa-18794	258	7	a	a	DET
cjfa-18794	258	8	possibly	possibly	ADV
cjfa-18794	258	9	most	most	ADV
cjfa-18794	258	10	complete	complete	ADJ
cjfa-18794	258	11	time	time	NOUN
cjfa-18794	258	12	series	series	NOUN
cjfa-18794	258	13	,	,	PUNCT
cjfa-18794	258	14	the	the	DET
cjfa-18794	258	15	housing	housing	NOUN
cjfa-18794	258	16	rental	rental	NOUN
cjfa-18794	258	17	price	price	NOUN
cjfa-18794	258	18	index	index	NOUN
cjfa-18794	258	19	has	have	AUX
cjfa-18794	258	20	been	be	AUX
cjfa-18794	258	21	employed	employ	VERB
cjfa-18794	258	22	in	in	ADP
cjfa-18794	258	23	the	the	DET
cjfa-18794	258	24	model	model	NOUN
cjfa-18794	258	25	as	as	ADP
cjfa-18794	258	26	an	an	DET
cjfa-18794	258	27	explanatory	explanatory	ADJ
cjfa-18794	258	28	variable	variable	NOUN
cjfa-18794	258	29	.	.	PUNCT
cjfa-18794	259	1	finally	finally	ADV
cjfa-18794	259	2	,	,	PUNCT
cjfa-18794	259	3	both	both	CCONJ
cjfa-18794	259	4	wider	wide	ADJ
cjfa-18794	259	5	wage	wage	NOUN
cjfa-18794	259	6	-	-	PUNCT
cjfa-18794	259	7	productivity	productivity	NOUN
cjfa-18794	259	8	gaps	gap	NOUN
cjfa-18794	259	9	and	and	CCONJ
cjfa-18794	259	10	more	more	ADV
cjfa-18794	259	11	unequal	unequal	ADJ
cjfa-18794	259	12	distribution	distribution	NOUN
cjfa-18794	259	13	of	of	ADP
cjfa-18794	259	14	incomes	income	NOUN
cjfa-18794	259	15	might	might	AUX
cjfa-18794	259	16	encourage	encourage	VERB
cjfa-18794	259	17	poorer	poor	ADJ
cjfa-18794	259	18	households	household	NOUN
cjfa-18794	259	19	to	to	PART
cjfa-18794	259	20	fuel	fuel	VERB
cjfa-18794	259	21	consumption	consumption	NOUN
cjfa-18794	259	22	with	with	ADP
cjfa-18794	259	23	debt	debt	NOUN
cjfa-18794	259	24	in	in	ADP
cjfa-18794	259	25	order	order	NOUN
cjfa-18794	259	26	to	to	PART
cjfa-18794	259	27	reduce	reduce	VERB
cjfa-18794	259	28	the	the	DET
cjfa-18794	259	29	distance	distance	NOUN
cjfa-18794	259	30	from	from	ADP
cjfa-18794	259	31	their	their	PRON
cjfa-18794	259	32	richer	rich	ADJ
cjfa-18794	259	33	peers	peer	NOUN
cjfa-18794	259	34	,	,	PUNCT
cjfa-18794	259	35	which	which	PRON
cjfa-18794	259	36	allows	allow	VERB
cjfa-18794	259	37	to	to	PART
cjfa-18794	259	38	expect	expect	VERB
cjfa-18794	259	39	positive	positive	ADJ
cjfa-18794	259	40	estimates	estimate	NOUN
cjfa-18794	259	41	of	of	ADP
cjfa-18794	259	42	the	the	DET
cjfa-18794	259	43	coefficients	coefficient	NOUN
cjfa-18794	259	44	β8	β8	ADJ
cjfa-18794	259	45	and	and	CCONJ
cjfa-18794	259	46	β9	β9	ADJ
cjfa-18794	259	47	.	.	PUNCT
cjfa-18794	260	1	the	the	DET
cjfa-18794	260	2	research	research	NOUN
cjfa-18794	260	3	has	have	AUX
cjfa-18794	260	4	been	be	AUX
cjfa-18794	260	5	designed	design	VERB
cjfa-18794	260	6	to	to	PART
cjfa-18794	260	7	examine	examine	VERB
cjfa-18794	260	8	all	all	DET
cjfa-18794	260	9	oecd	oecd	PROPN
cjfa-18794	260	10	member	member	NOUN
cjfa-18794	260	11	countries	country	NOUN
cjfa-18794	260	12	over	over	ADP
cjfa-18794	260	13	the	the	DET
cjfa-18794	260	14	period	period	NOUN
cjfa-18794	260	15	1996–2015	1996–2015	NUM
cjfa-18794	260	16	.	.	PUNCT
cjfa-18794	261	1	the	the	DET
cjfa-18794	261	2	data	datum	NOUN
cjfa-18794	261	3	employed	employ	VERB
cjfa-18794	261	4	in	in	ADP
cjfa-18794	261	5	the	the	DET
cjfa-18794	261	6	analysis	analysis	NOUN
cjfa-18794	261	7	have	have	AUX
cjfa-18794	261	8	been	be	AUX
cjfa-18794	261	9	extracted	extract	VERB
cjfa-18794	261	10	from	from	ADP
cjfa-18794	261	11	the	the	DET
cjfa-18794	261	12	oecd.stat	oecd.stat	NUM
cjfa-18794	261	13	database	database	NOUN
cjfa-18794	261	14	(	(	PUNCT
cjfa-18794	261	15	oecd	oecd	PROPN
cjfa-18794	261	16	,	,	PUNCT
cjfa-18794	261	17	2018	2018	NUM
cjfa-18794	261	18	)	)	PUNCT
cjfa-18794	261	19	and	and	CCONJ
cjfa-18794	261	20	the	the	DET
cjfa-18794	261	21	world	world	NOUN
cjfa-18794	261	22	population	population	NOUN
cjfa-18794	261	23	prospects	prospect	VERB
cjfa-18794	261	24	database	database	NOUN
cjfa-18794	261	25	by	by	ADP
cjfa-18794	261	26	the	the	DET
cjfa-18794	261	27	united	united	PROPN
cjfa-18794	261	28	nations	nations	PROPN
cjfa-18794	261	29	(	(	PUNCT
cjfa-18794	261	30	2017	2017	NUM
cjfa-18794	261	31	)	)	PUNCT
cjfa-18794	261	32	.	.	PUNCT
cjfa-18794	262	1	due	due	ADP
cjfa-18794	262	2	to	to	ADP
cjfa-18794	262	3	incompleteness	incompleteness	NOUN
cjfa-18794	262	4	of	of	ADP
cjfa-18794	262	5	data	datum	NOUN
cjfa-18794	262	6	,	,	PUNCT
cjfa-18794	262	7	4	4	NUM
cjfa-18794	262	8	countries	country	NOUN
cjfa-18794	262	9	(	(	PUNCT
cjfa-18794	262	10	israel	israel	PROPN
cjfa-18794	262	11	,	,	PUNCT
cjfa-18794	262	12	mexico	mexico	PROPN
cjfa-18794	262	13	,	,	PUNCT
cjfa-18794	262	14	new	new	PROPN
cjfa-18794	262	15	zealand	zealand	PROPN
cjfa-18794	262	16	,	,	PUNCT
cjfa-18794	262	17	and	and	CCONJ
cjfa-18794	262	18	turkey	turkey	NOUN
cjfa-18794	262	19	)	)	PUNCT
cjfa-18794	262	20	have	have	AUX
cjfa-18794	262	21	been	be	AUX
cjfa-18794	262	22	dropped	drop	VERB
cjfa-18794	262	23	from	from	ADP
cjfa-18794	262	24	the	the	DET
cjfa-18794	262	25	sample	sample	NOUN
cjfa-18794	262	26	,	,	PUNCT
cjfa-18794	262	27	yielding	yield	VERB
cjfa-18794	262	28	the	the	DET
cjfa-18794	262	29	final	final	ADJ
cjfa-18794	262	30	unbalanced	unbalanced	ADJ
cjfa-18794	262	31	panel	panel	NOUN
cjfa-18794	262	32	of	of	ADP
cjfa-18794	262	33	31	31	NUM
cjfa-18794	262	34	countries	country	NOUN
cjfa-18794	262	35	and	and	CCONJ
cjfa-18794	262	36	439	439	NUM
cjfa-18794	262	37	country	country	NOUN
cjfa-18794	262	38	-	-	PUNCT
cjfa-18794	262	39	year	year	NOUN
cjfa-18794	262	40	observations	observation	NOUN
cjfa-18794	262	41	.	.	PUNCT
cjfa-18794	262	42	 	 	SPACE
cjfa-18794	263	1	results	result	VERB
cjfa-18794	263	2	the	the	DET
cjfa-18794	263	3	results	result	NOUN
cjfa-18794	263	4	of	of	ADP
cjfa-18794	263	5	the	the	DET
cjfa-18794	263	6	estimation	estimation	NOUN
cjfa-18794	263	7	of	of	ADP
cjfa-18794	263	8	the	the	DET
cjfa-18794	263	9	constructed	construct	VERB
cjfa-18794	263	10	regression	regression	NOUN
cjfa-18794	263	11	model	model	NOUN
cjfa-18794	263	12	are	be	AUX
cjfa-18794	263	13	reported	report	VERB
cjfa-18794	263	14	in	in	ADP
cjfa-18794	263	15	table	table	NOUN
cjfa-18794	263	16	1	1	NUM
cjfa-18794	263	17	.	.	PUNCT
cjfa-18794	263	18	table	table	NOUN
cjfa-18794	263	19	1	1	NUM
cjfa-18794	263	20	.	.	PUNCT
cjfa-18794	264	1	estimations	estimation	NOUN
cjfa-18794	264	2	of	of	ADP
cjfa-18794	264	3	the	the	DET
cjfa-18794	264	4	fixed	fix	VERB
cjfa-18794	264	5	-	-	PUNCT
cjfa-18794	264	6	effect	effect	NOUN
cjfa-18794	264	7	panel	panel	NOUN
cjfa-18794	264	8	regression	regression	PROPN
cjfa-18794	264	9	model	model	NOUN
cjfa-18794	264	10	model	model	PROPN
cjfa-18794	264	11	:	:	PUNCT
cjfa-18794	264	12	the	the	DET
cjfa-18794	264	13	research	research	NOUN
cjfa-18794	264	14	has	have	AUX
cjfa-18794	264	15	been	be	AUX
cjfa-18794	264	16	designed	design	VERB
cjfa-18794	264	17	to	to	PART
cjfa-18794	264	18	examine	examine	VERB
cjfa-18794	264	19	all	all	DET
cjfa-18794	264	20	oecd	oecd	PROPN
cjfa-18794	264	21	member	member	NOUN
cjfa-18794	264	22	countries	country	NOUN
cjfa-18794	264	23	over	over	ADP
cjfa-18794	264	24	the	the	DET
cjfa-18794	264	25	period	period	NOUN
cjfa-18794	264	26	1996	1996	NUM
cjfa-18794	264	27	-	-	SYM
cjfa-18794	264	28	2015	2015	NUM
cjfa-18794	264	29	.	.	PUNCT
cjfa-18794	265	1	the	the	DET
cjfa-18794	265	2	data	datum	NOUN
cjfa-18794	265	3	employed	employ	VERB
cjfa-18794	265	4	in	in	ADP
cjfa-18794	265	5	the	the	DET
cjfa-18794	265	6	analysis	analysis	NOUN
cjfa-18794	265	7	have	have	AUX
cjfa-18794	265	8	been	be	AUX
cjfa-18794	265	9	extracted	extract	VERB
cjfa-18794	265	10	from	from	ADP
cjfa-18794	265	11	the	the	DET
cjfa-18794	265	12	oecd.stat	oecd.stat	NUM
cjfa-18794	265	13	database	database	NOUN
cjfa-18794	265	14	(	(	PUNCT
cjfa-18794	265	15	oecd	oecd	PROPN
cjfa-18794	265	16	,	,	PUNCT
cjfa-18794	265	17	2018	2018	NUM
cjfa-18794	265	18	)	)	PUNCT
cjfa-18794	265	19	and	and	CCONJ
cjfa-18794	265	20	the	the	DET
cjfa-18794	265	21	world	world	NOUN
cjfa-18794	265	22	population	population	NOUN
cjfa-18794	265	23	prospects	prospect	VERB
cjfa-18794	265	24	database	database	NOUN
cjfa-18794	265	25	by	by	ADP
cjfa-18794	265	26	the	the	DET
cjfa-18794	265	27	united	united	PROPN
cjfa-18794	265	28	nations	nations	PROPN
cjfa-18794	265	29	(	(	PUNCT
cjfa-18794	265	30	2017	2017	NUM
cjfa-18794	265	31	)	)	PUNCT
cjfa-18794	265	32	.	.	PUNCT
cjfa-18794	266	1	due	due	ADP
cjfa-18794	266	2	to	to	ADP
cjfa-18794	266	3	incompleteness	incompleteness	NOUN
cjfa-18794	266	4	of	of	ADP
cjfa-18794	266	5	data	datum	NOUN
cjfa-18794	266	6	,	,	PUNCT
cjfa-18794	266	7	4	4	NUM
cjfa-18794	266	8	countries	country	NOUN
cjfa-18794	266	9	(	(	PUNCT
cjfa-18794	266	10	israel	israel	PROPN
cjfa-18794	266	11	,	,	PUNCT
cjfa-18794	266	12	mexico	mexico	PROPN
cjfa-18794	266	13	,	,	PUNCT
cjfa-18794	266	14	new	new	PROPN
cjfa-18794	266	15	zealand	zealand	PROPN
cjfa-18794	266	16	,	,	PUNCT
cjfa-18794	266	17	and	and	CCONJ
cjfa-18794	266	18	turkey	turkey	NOUN
cjfa-18794	266	19	)	)	PUNCT
cjfa-18794	266	20	have	have	AUX
cjfa-18794	266	21	been	be	AUX
cjfa-18794	266	22	dropped	drop	VERB
cjfa-18794	266	23	from	from	ADP
cjfa-18794	266	24	the	the	DET
cjfa-18794	266	25	sample	sample	NOUN
cjfa-18794	266	26	,	,	PUNCT
cjfa-18794	266	27	yielding	yield	VERB
cjfa-18794	266	28	the	the	DET
cjfa-18794	266	29	final	final	ADJ
cjfa-18794	266	30	unbalanced	unbalanced	ADJ
cjfa-18794	266	31	panel	panel	NOUN
cjfa-18794	266	32	of	of	ADP
cjfa-18794	266	33	31	31	NUM
cjfa-18794	266	34	countries	country	NOUN
cjfa-18794	266	35	and	and	CCONJ
cjfa-18794	266	36	439	439	NUM
cjfa-18794	266	37	country	country	NOUN
cjfa-18794	266	38	-	-	PUNCT
cjfa-18794	266	39	year	year	NOUN
cjfa-18794	266	40	observations	observation	NOUN
cjfa-18794	266	41	.	.	PUNCT
cjfa-18794	267	1	results	result	VERB
cjfa-18794	267	2	the	the	DET
cjfa-18794	267	3	results	result	NOUN
cjfa-18794	267	4	of	of	ADP
cjfa-18794	267	5	the	the	DET
cjfa-18794	267	6	estimation	estimation	NOUN
cjfa-18794	267	7	of	of	ADP
cjfa-18794	267	8	the	the	DET
cjfa-18794	267	9	constructed	construct	VERB
cjfa-18794	267	10	regression	regression	NOUN
cjfa-18794	267	11	model	model	NOUN
cjfa-18794	267	12	are	be	AUX
cjfa-18794	267	13	reported	report	VERB
cjfa-18794	267	14	in	in	ADP
cjfa-18794	267	15	table	table	NOUN
cjfa-18794	267	16	1	1	NUM
cjfa-18794	267	17	table	table	NOUN
cjfa-18794	267	18	1	1	NUM
cjfa-18794	267	19	.	.	PUNCT
cjfa-18794	268	1	estimations	estimation	NOUN
cjfa-18794	268	2	of	of	ADP
cjfa-18794	268	3	the	the	DET
cjfa-18794	268	4	fixed	fix	VERB
cjfa-18794	268	5	-	-	PUNCT
cjfa-18794	268	6	effect	effect	NOUN
cjfa-18794	268	7	panel	panel	NOUN
cjfa-18794	268	8	regression	regression	PROPN
cjfa-18794	268	9	model	model	NOUN
cjfa-18794	268	10	model	model	PROPN
cjfa-18794	268	11	:	:	PUNCT
cjfa-18794	268	12	�	�	PROPN
cjfa-18794	268	13	�	�	PROPN
cjfa-18794	268	14	�	�	PROPN
cjfa-18794	268	15	�	�	PROPN
cjfa-18794	268	16	�	�	PROPN
cjfa-18794	268	17	�	�	PROPN
cjfa-18794	268	18	�	�	PROPN
cjfa-18794	268	19	�	�	PROPN
cjfa-18794	268	20	�	�	PROPN
cjfa-18794	268	21	�	�	PROPN
cjfa-18794	268	22	+	+	CCONJ
cjfa-18794	268	23	�	�	PROPN
cjfa-18794	268	24	�	�	PROPN
cjfa-18794	268	25	�	�	PROPN
cjfa-18794	268	26	�	�	PROPN
cjfa-18794	268	27	�	�	PROPN
cjfa-18794	268	28	�	�	PROPN
cjfa-18794	268	29	�	�	PROPN
cjfa-18794	268	30	�	�	PROPN
cjfa-18794	268	31	�	�	PROPN
cjfa-18794	268	32	+	+	SYM
cjfa-18794	268	33	�	�	PROPN
cjfa-18794	268	34	�	�	PROPN
cjfa-18794	268	35	�	�	PROPN
cjfa-18794	268	36	�	�	PROPN
cjfa-18794	268	37	�	�	PROPN
cjfa-18794	268	38	�	�	PROPN
cjfa-18794	268	39	�	�	PROPN
cjfa-18794	268	40	�	�	PROPN
cjfa-18794	268	41	�	�	PROPN
cjfa-18794	268	42	�	�	PROPN
cjfa-18794	268	43	�	�	PROPN
cjfa-18794	268	44	+	+	SYM
cjfa-18794	268	45	�	�	PROPN
cjfa-18794	268	46	�	�	PROPN
cjfa-18794	268	47	�	�	PROPN
cjfa-18794	268	48	�	�	PROPN
cjfa-18794	268	49	�	�	PROPN
cjfa-18794	268	50	�	�	PROPN
cjfa-18794	268	51	�	�	PROPN
cjfa-18794	268	52	+	+	SYM
cjfa-18794	268	53	�	�	PROPN
cjfa-18794	268	54	�	�	PROPN
cjfa-18794	268	55	�	�	PROPN
cjfa-18794	268	56	�	�	PROPN
cjfa-18794	268	57	�	�	PROPN
cjfa-18794	268	58	�	�	PROPN
cjfa-18794	268	59	�	�	PROPN
cjfa-18794	268	60	�	�	PROPN
cjfa-18794	268	61	�	�	PROPN
cjfa-18794	268	62	+	+	SYM
cjfa-18794	268	63	�	�	PROPN
cjfa-18794	268	64	�	�	PROPN
cjfa-18794	268	65	�	�	PROPN
cjfa-18794	268	66	�	�	PROPN
cjfa-18794	268	67	�	�	PROPN
cjfa-18794	268	68	�	�	PROPN
cjfa-18794	268	69	�	�	PROPN
cjfa-18794	268	70	�	�	PROPN
cjfa-18794	268	71	�	�	PROPN
cjfa-18794	268	72	�	�	PROPN
cjfa-18794	268	73	�	�	PROPN
cjfa-18794	268	74	�	�	PROPN
cjfa-18794	268	75	�	�	PROPN
cjfa-18794	268	76	�	�	PROPN
cjfa-18794	268	77	�	�	PROPN
cjfa-18794	268	78	+	+	SYM
cjfa-18794	268	79	�	�	PROPN
cjfa-18794	268	80	�	�	PROPN
cjfa-18794	268	81	�	�	PROPN
cjfa-18794	268	82	�	�	PROPN
cjfa-18794	268	83	�	�	PROPN
cjfa-18794	268	84	�	�	PROPN
cjfa-18794	268	85	�	�	PROPN
cjfa-18794	268	86	�	�	PROPN
cjfa-18794	268	87	+	+	PROPN
cjfa-18794	268	88	�	�	PROPN
cjfa-18794	268	89	�	�	PROPN
cjfa-18794	268	90	�	�	PROPN
cjfa-18794	268	91	�	�	PROPN
cjfa-18794	268	92	�	�	PROPN
cjfa-18794	268	93	�	�	PROPN
cjfa-18794	268	94	�	�	PROPN
cjfa-18794	268	95	�	�	PROPN
cjfa-18794	268	96	�	�	PROPN
cjfa-18794	268	97	+	+	PROPN
cjfa-18794	268	98	�	�	PROPN
cjfa-18794	268	99	�	�	PROPN
cjfa-18794	268	100	�	�	PROPN
cjfa-18794	268	101	�	�	PROPN
cjfa-18794	268	102	�	�	PROPN
cjfa-18794	268	103	�	�	PROPN
cjfa-18794	268	104	�	�	PROPN
cjfa-18794	268	105	�	�	PROPN
cjfa-18794	268	106	�	�	PROPN
cjfa-18794	268	107	�	�	PROPN
cjfa-18794	268	108	+	+	SYM
cjfa-18794	268	109	�	�	PROPN
cjfa-18794	268	110	�	�	PROPN
cjfa-18794	268	111	�	�	PROPN
cjfa-18794	268	112	�	�	PROPN
cjfa-18794	268	113	�	�	PROPN
cjfa-18794	268	114	�	�	PROPN
cjfa-18794	268	115	�	�	PROPN
cjfa-18794	268	116	�	�	PROPN
cjfa-18794	268	117	+	+	SYM
cjfa-18794	268	118	�	�	PROPN
cjfa-18794	268	119	�	�	PROPN
cjfa-18794	268	120	+	+	SYM
cjfa-18794	268	121	�	�	PROPN
cjfa-18794	268	122	�	�	PROPN
cjfa-18794	268	123	�	�	PROPN
cjfa-18794	268	124	estimate	estimate	NOUN
cjfa-18794	268	125	value	value	NOUN
cjfa-18794	268	126	std	std	NOUN
cjfa-18794	268	127	.	.	NOUN
cjfa-18794	268	128	error	error	NOUN
cjfa-18794	268	129	t	t	NOUN
cjfa-18794	268	130	p	p	NOUN
cjfa-18794	268	131	-	-	PUNCT
cjfa-18794	268	132	value	value	NOUN
cjfa-18794	268	133	95	95	NUM
cjfa-18794	268	134	%	%	NOUN
cjfa-18794	268	135	conf	conf	NOUN
cjfa-18794	268	136	.	.	PUNCT
cjfa-18794	269	1	interval	interval	NOUN
cjfa-18794	269	2	β0	β0	NOUN
cjfa-18794	269	3	-11.453	-11.453	PROPN
cjfa-18794	269	4	1.990	1.990	NUM
cjfa-18794	270	1	-5.76	-5.76	NUM
cjfa-18794	270	2	0.000	0.000	NUM
cjfa-18794	270	3	-15.366	-15.366	PRON
cjfa-18794	270	4	-7.541	-7.541	PUNCT
cjfa-18794	270	5	β1	β1	VERB
cjfa-18794	270	6	1.384	1.384	NUM
cjfa-18794	270	7	0.172	0.172	NUM
cjfa-18794	270	8	8.04	8.04	NUM
cjfa-18794	270	9	0.000	0.000	NUM
cjfa-18794	270	10	1.046	1.046	NUM
cjfa-18794	270	11	1.723	1.723	NUM
cjfa-18794	270	12	β2	β2	NOUN
cjfa-18794	270	13	-1.678	-1.678	PUNCT
cjfa-18794	270	14	0.286	0.286	NUM
cjfa-18794	270	15	-5.87	-5.87	VERB
cjfa-18794	270	16	0.000	0.000	NUM
cjfa-18794	270	17	-2.240	-2.240	NUM
cjfa-18794	270	18	-1.116	-1.116	PUNCT
cjfa-18794	271	1	β3	β3	ADJ
cjfa-18794	271	2	-0.019	-0.019	NUM
cjfa-18794	271	3	0.005	0.005	NUM
cjfa-18794	271	4	-4.16	-4.16	NUM
cjfa-18794	271	5	0.000	0.000	NUM
cjfa-18794	271	6	-0.028	-0.028	PRON
cjfa-18794	271	7	-0.010	-0.010	PUNCT
cjfa-18794	271	8	β4	β4	PROPN
cjfa-18794	271	9	-0.013	-0.013	PUNCT
cjfa-18794	271	10	0.034	0.034	NUM
cjfa-18794	271	11	-0.40	-0.40	NUM
cjfa-18794	271	12	0.691	0.691	NUM
cjfa-18794	271	13	-0.079	-0.079	SYM
cjfa-18794	271	14	0.053	0.053	NUM
cjfa-18794	271	15	β5	β5	NOUN
cjfa-18794	271	16	0.450	0.450	NUM
cjfa-18794	271	17	0.183	0.183	NUM
cjfa-18794	271	18	2.46	2.46	NUM
cjfa-18794	271	19	0.014	0.014	NUM
cjfa-18794	271	20	0.090	0.090	NUM
cjfa-18794	271	21	0.811	0.811	NUM
cjfa-18794	271	22	β6	β6	PROPN
cjfa-18794	271	23	0.014	0.014	NUM
cjfa-18794	271	24	0.003	0.003	NUM
cjfa-18794	271	25	3.79	3.79	NUM
cjfa-18794	271	26	0.000	0.000	NUM
cjfa-18794	271	27	0.007	0.007	NUM
cjfa-18794	271	28	0.021	0.021	NUM
cjfa-18794	271	29	β7	β7	ADJ
cjfa-18794	271	30	0.002	0.002	NUM
cjfa-18794	271	31	0.001	0.001	NUM
cjfa-18794	271	32	2.35	2.35	NUM
cjfa-18794	271	33	0.019	0.019	NUM
cjfa-18794	271	34	0.000	0.000	NUM
cjfa-18794	271	35	0.004	0.004	NUM
cjfa-18794	271	36	β8	β8	NOUN
cjfa-18794	271	37	1.066	1.066	NUM
cjfa-18794	271	38	0.251	0.251	NUM
cjfa-18794	272	1	4.25	4.25	NUM
cjfa-18794	272	2	0.000	0.000	NUM
cjfa-18794	272	3	0.573	0.573	NUM
cjfa-18794	272	4	1.558	1.558	NUM
cjfa-18794	272	5	β9	β9	PROPN
cjfa-18794	272	6	-0.872	-0.872	PUNCT
cjfa-18794	272	7	0.225	0.225	NUM
cjfa-18794	272	8	-3.87	-3.87	NUM
cjfa-18794	272	9	0.000	0.000	NUM
cjfa-18794	272	10	-15.366	-15.366	PUNCT
cjfa-18794	272	11	-7.541	-7.541	PUNCT
cjfa-18794	272	12	r2	r2	NOUN
cjfa-18794	272	13	:	:	PUNCT
cjfa-18794	272	14	within	within	ADP
cjfa-18794	272	15	0.661	0.661	NUM
cjfa-18794	272	16	between	between	ADP
cjfa-18794	272	17	0.462	0.462	NUM
cjfa-18794	272	18	overall	overall	ADJ
cjfa-18794	272	19	0.477	0.477	NUM
cjfa-18794	272	20	f(9	f(9	NOUN
cjfa-18794	272	21	,	,	PUNCT
cjfa-18794	272	22	399	399	NUM
cjfa-18794	272	23	)	)	PUNCT
cjfa-18794	272	24	86.52	86.52	NUM
cjfa-18794	272	25	0.000	0.000	NUM
cjfa-18794	272	26	rho	rho	ADJ
cjfa-18794	272	27	0.892	0.892	NUM
cjfa-18794	272	28	n	n	PRON
cjfa-18794	272	29	439	439	NUM
cjfa-18794	272	30	number	number	NOUN
cjfa-18794	272	31	of	of	ADP
cjfa-18794	272	32	groups	group	NOUN
cjfa-18794	272	33	31	31	NUM
cjfa-18794	272	34	observations	observation	NOUN
cjfa-18794	272	35	per	per	ADP
cjfa-18794	272	36	group	group	NOUN
cjfa-18794	272	37	min	min	PROPN
cjfa-18794	272	38	7	7	NUM
cjfa-18794	272	39	max	max	PROPN
cjfa-18794	272	40	20	20	NUM
cjfa-18794	272	41	average	average	ADJ
cjfa-18794	272	42	14.2	14.2	NUM
cjfa-18794	272	43	source	source	NOUN
cjfa-18794	272	44	:	:	PUNCT
cjfa-18794	272	45	own	own	ADJ
cjfa-18794	272	46	elaboration	elaboration	NOUN
cjfa-18794	272	47	.	.	PUNCT
cjfa-18794	273	1	the	the	DET
cjfa-18794	273	2	estimated	estimate	VERB
cjfa-18794	273	3	model	model	NOUN
cjfa-18794	273	4	is	be	AUX
cjfa-18794	273	5	statistically	statistically	ADV
cjfa-18794	273	6	significant	significant	ADJ
cjfa-18794	273	7	at	at	ADP
cjfa-18794	273	8	all	all	DET
cjfa-18794	273	9	conventional	conventional	ADJ
cjfa-18794	273	10	levels	level	NOUN
cjfa-18794	273	11	.	.	PUNCT
cjfa-18794	274	1	the	the	DET
cjfa-18794	274	2	variance	variance	NOUN
cjfa-18794	274	3	of	of	ADP
cjfa-18794	274	4	the	the	DET
cjfa-18794	274	5	explanatory	explanatory	ADJ
cjfa-18794	274	6	variables	variable	NOUN
cjfa-18794	274	7	has	have	AUX
cjfa-18794	274	8	been	be	AUX
cjfa-18794	274	9	able	able	ADJ
cjfa-18794	274	10	to	to	PART
cjfa-18794	274	11	explain	explain	VERB
cjfa-18794	274	12	over	over	ADP
cjfa-18794	274	13	66	66	NUM
cjfa-18794	274	14	%	%	NOUN
cjfa-18794	274	15	of	of	ADP
cjfa-18794	274	16	variation	variation	NOUN
cjfa-18794	274	17	in	in	ADP
cjfa-18794	274	18	the	the	DET
cjfa-18794	274	19	houseestimate	houseestimate	ADJ
cjfa-18794	274	20	value	value	NOUN
cjfa-18794	274	21	std	std	PROPN
cjfa-18794	274	22	.	.	NOUN
cjfa-18794	274	23	error	error	NOUN
cjfa-18794	274	24	t	t	NOUN
cjfa-18794	274	25	p	p	NOUN
cjfa-18794	274	26	-	-	PUNCT
cjfa-18794	274	27	value	value	NOUN
cjfa-18794	274	28	95	95	NUM
cjfa-18794	274	29	%	%	NOUN
cjfa-18794	274	30	conf	conf	NOUN
cjfa-18794	274	31	.	.	PUNCT
cjfa-18794	275	1	interval	interval	NOUN
cjfa-18794	275	2	β0	β0	NOUN
cjfa-18794	275	3	-11.453	-11.453	PROPN
cjfa-18794	275	4	1.990	1.990	NUM
cjfa-18794	276	1	-5.76	-5.76	NUM
cjfa-18794	276	2	0.000	0.000	NUM
cjfa-18794	276	3	-15.366	-15.366	PRON
cjfa-18794	276	4	-7.541	-7.541	PUNCT
cjfa-18794	276	5	β1	β1	VERB
cjfa-18794	276	6	1.384	1.384	NUM
cjfa-18794	276	7	0.172	0.172	NUM
cjfa-18794	276	8	8.04	8.04	NUM
cjfa-18794	276	9	0.000	0.000	NUM
cjfa-18794	276	10	1.046	1.046	NUM
cjfa-18794	276	11	1.723	1.723	NUM
cjfa-18794	276	12	β2	β2	NOUN
cjfa-18794	276	13	-1.678	-1.678	PUNCT
cjfa-18794	276	14	0.286	0.286	NUM
cjfa-18794	276	15	-5.87	-5.87	VERB
cjfa-18794	276	16	0.000	0.000	NUM
cjfa-18794	276	17	-2.240	-2.240	NUM
cjfa-18794	276	18	-1.116	-1.116	PUNCT
cjfa-18794	276	19	the	the	DET
cjfa-18794	276	20	macroeconomic	macroeconomic	ADJ
cjfa-18794	276	21	drivers	driver	NOUN
cjfa-18794	276	22	of	of	ADP
cjfa-18794	276	23	household	household	NOUN
cjfa-18794	276	24	debt	debt	NOUN
cjfa-18794	276	25	-	-	PUNCT
cjfa-18794	276	26	to	to	ADP
cjfa-18794	276	27	-	-	PUNCT
cjfa-18794	276	28	income	income	NOUN
cjfa-18794	276	29	ratio	ratio	NOUN
cjfa-18794	276	30	…	…	PUNCT
cjfa-18794	276	31	37	37	NUM
cjfa-18794	276	32	model	model	NOUN
cjfa-18794	276	33	:	:	PUNCT
cjfa-18794	276	34	the	the	DET
cjfa-18794	276	35	research	research	NOUN
cjfa-18794	276	36	has	have	AUX
cjfa-18794	276	37	been	be	AUX
cjfa-18794	276	38	designed	design	VERB
cjfa-18794	276	39	to	to	PART
cjfa-18794	276	40	examine	examine	VERB
cjfa-18794	276	41	all	all	DET
cjfa-18794	276	42	oecd	oecd	PROPN
cjfa-18794	276	43	member	member	NOUN
cjfa-18794	276	44	countries	country	NOUN
cjfa-18794	276	45	over	over	ADP
cjfa-18794	276	46	the	the	DET
cjfa-18794	276	47	period	period	NOUN
cjfa-18794	276	48	1996	1996	NUM
cjfa-18794	276	49	-	-	SYM
cjfa-18794	276	50	2015	2015	NUM
cjfa-18794	276	51	.	.	PUNCT
cjfa-18794	277	1	the	the	DET
cjfa-18794	277	2	data	datum	NOUN
cjfa-18794	277	3	employed	employ	VERB
cjfa-18794	277	4	in	in	ADP
cjfa-18794	277	5	the	the	DET
cjfa-18794	277	6	analysis	analysis	NOUN
cjfa-18794	277	7	have	have	AUX
cjfa-18794	277	8	been	be	AUX
cjfa-18794	277	9	extracted	extract	VERB
cjfa-18794	277	10	from	from	ADP
cjfa-18794	277	11	the	the	DET
cjfa-18794	277	12	oecd.stat	oecd.stat	NUM
cjfa-18794	277	13	database	database	NOUN
cjfa-18794	277	14	(	(	PUNCT
cjfa-18794	277	15	oecd	oecd	PROPN
cjfa-18794	277	16	,	,	PUNCT
cjfa-18794	277	17	2018	2018	NUM
cjfa-18794	277	18	)	)	PUNCT
cjfa-18794	277	19	and	and	CCONJ
cjfa-18794	277	20	the	the	DET
cjfa-18794	277	21	world	world	NOUN
cjfa-18794	277	22	population	population	NOUN
cjfa-18794	277	23	prospects	prospect	VERB
cjfa-18794	277	24	database	database	NOUN
cjfa-18794	277	25	by	by	ADP
cjfa-18794	277	26	the	the	DET
cjfa-18794	277	27	united	united	PROPN
cjfa-18794	277	28	nations	nations	PROPN
cjfa-18794	277	29	(	(	PUNCT
cjfa-18794	277	30	2017	2017	NUM
cjfa-18794	277	31	)	)	PUNCT
cjfa-18794	277	32	.	.	PUNCT
cjfa-18794	278	1	due	due	ADP
cjfa-18794	278	2	to	to	ADP
cjfa-18794	278	3	incompleteness	incompleteness	NOUN
cjfa-18794	278	4	of	of	ADP
cjfa-18794	278	5	data	datum	NOUN
cjfa-18794	278	6	,	,	PUNCT
cjfa-18794	278	7	4	4	NUM
cjfa-18794	278	8	countries	country	NOUN
cjfa-18794	278	9	(	(	PUNCT
cjfa-18794	278	10	israel	israel	PROPN
cjfa-18794	278	11	,	,	PUNCT
cjfa-18794	278	12	mexico	mexico	PROPN
cjfa-18794	278	13	,	,	PUNCT
cjfa-18794	278	14	new	new	PROPN
cjfa-18794	278	15	zealand	zealand	PROPN
cjfa-18794	278	16	,	,	PUNCT
cjfa-18794	278	17	and	and	CCONJ
cjfa-18794	278	18	turkey	turkey	NOUN
cjfa-18794	278	19	)	)	PUNCT
cjfa-18794	278	20	have	have	AUX
cjfa-18794	278	21	been	be	AUX
cjfa-18794	278	22	dropped	drop	VERB
cjfa-18794	278	23	from	from	ADP
cjfa-18794	278	24	the	the	DET
cjfa-18794	278	25	sample	sample	NOUN
cjfa-18794	278	26	,	,	PUNCT
cjfa-18794	278	27	yielding	yield	VERB
cjfa-18794	278	28	the	the	DET
cjfa-18794	278	29	final	final	ADJ
cjfa-18794	278	30	unbalanced	unbalanced	ADJ
cjfa-18794	278	31	panel	panel	NOUN
cjfa-18794	278	32	of	of	ADP
cjfa-18794	278	33	31	31	NUM
cjfa-18794	278	34	countries	country	NOUN
cjfa-18794	278	35	and	and	CCONJ
cjfa-18794	278	36	439	439	NUM
cjfa-18794	278	37	country	country	NOUN
cjfa-18794	278	38	-	-	PUNCT
cjfa-18794	278	39	year	year	NOUN
cjfa-18794	278	40	observations	observation	NOUN
cjfa-18794	278	41	.	.	PUNCT
cjfa-18794	279	1	results	result	VERB
cjfa-18794	279	2	the	the	DET
cjfa-18794	279	3	results	result	NOUN
cjfa-18794	279	4	of	of	ADP
cjfa-18794	279	5	the	the	DET
cjfa-18794	279	6	estimation	estimation	NOUN
cjfa-18794	279	7	of	of	ADP
cjfa-18794	279	8	the	the	DET
cjfa-18794	279	9	constructed	construct	VERB
cjfa-18794	279	10	regression	regression	NOUN
cjfa-18794	279	11	model	model	NOUN
cjfa-18794	279	12	are	be	AUX
cjfa-18794	279	13	reported	report	VERB
cjfa-18794	279	14	in	in	ADP
cjfa-18794	279	15	table	table	NOUN
cjfa-18794	279	16	1	1	NUM
cjfa-18794	279	17	table	table	NOUN
cjfa-18794	279	18	1	1	NUM
cjfa-18794	279	19	.	.	PUNCT
cjfa-18794	280	1	estimations	estimation	NOUN
cjfa-18794	280	2	of	of	ADP
cjfa-18794	280	3	the	the	DET
cjfa-18794	280	4	fixed	fix	VERB
cjfa-18794	280	5	-	-	PUNCT
cjfa-18794	280	6	effect	effect	NOUN
cjfa-18794	280	7	panel	panel	NOUN
cjfa-18794	280	8	regression	regression	PROPN
cjfa-18794	280	9	model	model	NOUN
cjfa-18794	280	10	model	model	PROPN
cjfa-18794	280	11	:	:	PUNCT
cjfa-18794	280	12	�	�	PROPN
cjfa-18794	280	13	�	�	PROPN
cjfa-18794	280	14	�	�	PROPN
cjfa-18794	280	15	�	�	PROPN
cjfa-18794	280	16	�	�	PROPN
cjfa-18794	280	17	�	�	PROPN
cjfa-18794	280	18	�	�	PROPN
cjfa-18794	280	19	�	�	PROPN
cjfa-18794	280	20	�	�	PROPN
cjfa-18794	280	21	�	�	PROPN
cjfa-18794	280	22	+	+	CCONJ
cjfa-18794	280	23	�	�	PROPN
cjfa-18794	280	24	�	�	PROPN
cjfa-18794	280	25	�	�	PROPN
cjfa-18794	280	26	�	�	PROPN
cjfa-18794	280	27	�	�	PROPN
cjfa-18794	280	28	�	�	PROPN
cjfa-18794	280	29	�	�	PROPN
cjfa-18794	280	30	�	�	PROPN
cjfa-18794	280	31	�	�	PROPN
cjfa-18794	280	32	+	+	SYM
cjfa-18794	280	33	�	�	PROPN
cjfa-18794	280	34	�	�	PROPN
cjfa-18794	280	35	�	�	PROPN
cjfa-18794	280	36	�	�	PROPN
cjfa-18794	280	37	�	�	PROPN
cjfa-18794	280	38	�	�	PROPN
cjfa-18794	280	39	�	�	PROPN
cjfa-18794	280	40	�	�	PROPN
cjfa-18794	280	41	�	�	PROPN
cjfa-18794	280	42	�	�	PROPN
cjfa-18794	280	43	�	�	PROPN
cjfa-18794	280	44	+	+	SYM
cjfa-18794	280	45	�	�	PROPN
cjfa-18794	280	46	�	�	PROPN
cjfa-18794	280	47	�	�	PROPN
cjfa-18794	280	48	�	�	PROPN
cjfa-18794	280	49	�	�	PROPN
cjfa-18794	280	50	�	�	PROPN
cjfa-18794	280	51	�	�	PROPN
cjfa-18794	280	52	+	+	SYM
cjfa-18794	280	53	�	�	PROPN
cjfa-18794	280	54	�	�	PROPN
cjfa-18794	280	55	�	�	PROPN
cjfa-18794	280	56	�	�	PROPN
cjfa-18794	280	57	�	�	PROPN
cjfa-18794	280	58	�	�	PROPN
cjfa-18794	280	59	�	�	PROPN
cjfa-18794	280	60	�	�	PROPN
cjfa-18794	280	61	�	�	PROPN
cjfa-18794	280	62	+	+	SYM
cjfa-18794	280	63	�	�	PROPN
cjfa-18794	280	64	�	�	PROPN
cjfa-18794	280	65	�	�	PROPN
cjfa-18794	280	66	�	�	PROPN
cjfa-18794	280	67	�	�	PROPN
cjfa-18794	280	68	�	�	PROPN
cjfa-18794	280	69	�	�	PROPN
cjfa-18794	280	70	�	�	PROPN
cjfa-18794	280	71	�	�	PROPN
cjfa-18794	280	72	�	�	PROPN
cjfa-18794	280	73	�	�	PROPN
cjfa-18794	280	74	�	�	PROPN
cjfa-18794	280	75	�	�	PROPN
cjfa-18794	280	76	�	�	PROPN
cjfa-18794	280	77	�	�	PROPN
cjfa-18794	280	78	+	+	SYM
cjfa-18794	280	79	�	�	PROPN
cjfa-18794	280	80	�	�	PROPN
cjfa-18794	280	81	�	�	PROPN
cjfa-18794	280	82	�	�	PROPN
cjfa-18794	280	83	�	�	PROPN
cjfa-18794	280	84	�	�	PROPN
cjfa-18794	280	85	�	�	PROPN
cjfa-18794	280	86	�	�	PROPN
cjfa-18794	280	87	+	+	PROPN
cjfa-18794	280	88	�	�	PROPN
cjfa-18794	280	89	�	�	PROPN
cjfa-18794	280	90	�	�	PROPN
cjfa-18794	280	91	�	�	PROPN
cjfa-18794	280	92	�	�	PROPN
cjfa-18794	280	93	�	�	PROPN
cjfa-18794	280	94	�	�	PROPN
cjfa-18794	280	95	�	�	PROPN
cjfa-18794	280	96	�	�	PROPN
cjfa-18794	280	97	+	+	PROPN
cjfa-18794	280	98	�	�	PROPN
cjfa-18794	280	99	�	�	PROPN
cjfa-18794	280	100	�	�	PROPN
cjfa-18794	280	101	�	�	PROPN
cjfa-18794	280	102	�	�	PROPN
cjfa-18794	280	103	�	�	PROPN
cjfa-18794	280	104	�	�	PROPN
cjfa-18794	280	105	�	�	PROPN
cjfa-18794	280	106	�	�	PROPN
cjfa-18794	280	107	�	�	PROPN
cjfa-18794	280	108	+	+	SYM
cjfa-18794	280	109	�	�	PROPN
cjfa-18794	280	110	�	�	PROPN
cjfa-18794	280	111	�	�	PROPN
cjfa-18794	280	112	�	�	PROPN
cjfa-18794	280	113	�	�	PROPN
cjfa-18794	280	114	�	�	PROPN
cjfa-18794	280	115	�	�	PROPN
cjfa-18794	280	116	�	�	PROPN
cjfa-18794	280	117	+	+	SYM
cjfa-18794	280	118	�	�	PROPN
cjfa-18794	280	119	�	�	PROPN
cjfa-18794	280	120	+	+	SYM
cjfa-18794	280	121	�	�	PROPN
cjfa-18794	280	122	�	�	PROPN
cjfa-18794	280	123	�	�	PROPN
cjfa-18794	280	124	estimate	estimate	NOUN
cjfa-18794	280	125	value	value	NOUN
cjfa-18794	280	126	std	std	NOUN
cjfa-18794	280	127	.	.	NOUN
cjfa-18794	280	128	error	error	NOUN
cjfa-18794	280	129	t	t	NOUN
cjfa-18794	280	130	p	p	NOUN
cjfa-18794	280	131	-	-	PUNCT
cjfa-18794	280	132	value	value	NOUN
cjfa-18794	280	133	95	95	NUM
cjfa-18794	280	134	%	%	NOUN
cjfa-18794	280	135	conf	conf	NOUN
cjfa-18794	280	136	.	.	PUNCT
cjfa-18794	281	1	interval	interval	NOUN
cjfa-18794	281	2	β0	β0	NOUN
cjfa-18794	281	3	-11.453	-11.453	PROPN
cjfa-18794	281	4	1.990	1.990	NUM
cjfa-18794	282	1	-5.76	-5.76	NUM
cjfa-18794	282	2	0.000	0.000	NUM
cjfa-18794	282	3	-15.366	-15.366	PRON
cjfa-18794	282	4	-7.541	-7.541	PUNCT
cjfa-18794	282	5	β1	β1	VERB
cjfa-18794	282	6	1.384	1.384	NUM
cjfa-18794	282	7	0.172	0.172	NUM
cjfa-18794	282	8	8.04	8.04	NUM
cjfa-18794	282	9	0.000	0.000	NUM
cjfa-18794	282	10	1.046	1.046	NUM
cjfa-18794	282	11	1.723	1.723	NUM
cjfa-18794	282	12	β2	β2	NOUN
cjfa-18794	282	13	-1.678	-1.678	PUNCT
cjfa-18794	282	14	0.286	0.286	NUM
cjfa-18794	282	15	-5.87	-5.87	VERB
cjfa-18794	282	16	0.000	0.000	NUM
cjfa-18794	282	17	-2.240	-2.240	NUM
cjfa-18794	282	18	-1.116	-1.116	PUNCT
cjfa-18794	283	1	β3	β3	ADJ
cjfa-18794	283	2	-0.019	-0.019	NUM
cjfa-18794	283	3	0.005	0.005	NUM
cjfa-18794	283	4	-4.16	-4.16	NUM
cjfa-18794	283	5	0.000	0.000	NUM
cjfa-18794	283	6	-0.028	-0.028	PRON
cjfa-18794	283	7	-0.010	-0.010	PUNCT
cjfa-18794	283	8	β4	β4	PROPN
cjfa-18794	283	9	-0.013	-0.013	PUNCT
cjfa-18794	283	10	0.034	0.034	NUM
cjfa-18794	283	11	-0.40	-0.40	NUM
cjfa-18794	283	12	0.691	0.691	NUM
cjfa-18794	283	13	-0.079	-0.079	SYM
cjfa-18794	283	14	0.053	0.053	NUM
cjfa-18794	283	15	β5	β5	NOUN
cjfa-18794	283	16	0.450	0.450	NUM
cjfa-18794	283	17	0.183	0.183	NUM
cjfa-18794	283	18	2.46	2.46	NUM
cjfa-18794	283	19	0.014	0.014	NUM
cjfa-18794	283	20	0.090	0.090	NUM
cjfa-18794	283	21	0.811	0.811	NUM
cjfa-18794	283	22	β6	β6	PROPN
cjfa-18794	283	23	0.014	0.014	NUM
cjfa-18794	283	24	0.003	0.003	NUM
cjfa-18794	283	25	3.79	3.79	NUM
cjfa-18794	283	26	0.000	0.000	NUM
cjfa-18794	283	27	0.007	0.007	NUM
cjfa-18794	283	28	0.021	0.021	NUM
cjfa-18794	283	29	β7	β7	ADJ
cjfa-18794	283	30	0.002	0.002	NUM
cjfa-18794	283	31	0.001	0.001	NUM
cjfa-18794	283	32	2.35	2.35	NUM
cjfa-18794	283	33	0.019	0.019	NUM
cjfa-18794	283	34	0.000	0.000	NUM
cjfa-18794	283	35	0.004	0.004	NUM
cjfa-18794	283	36	β8	β8	NOUN
cjfa-18794	283	37	1.066	1.066	NUM
cjfa-18794	283	38	0.251	0.251	NUM
cjfa-18794	284	1	4.25	4.25	NUM
cjfa-18794	284	2	0.000	0.000	NUM
cjfa-18794	284	3	0.573	0.573	NUM
cjfa-18794	284	4	1.558	1.558	NUM
cjfa-18794	284	5	β9	β9	PROPN
cjfa-18794	284	6	-0.872	-0.872	PUNCT
cjfa-18794	284	7	0.225	0.225	NUM
cjfa-18794	284	8	-3.87	-3.87	NUM
cjfa-18794	284	9	0.000	0.000	NUM
cjfa-18794	284	10	-15.366	-15.366	PUNCT
cjfa-18794	284	11	-7.541	-7.541	PUNCT
cjfa-18794	284	12	r2	r2	NOUN
cjfa-18794	284	13	:	:	PUNCT
cjfa-18794	284	14	within	within	ADP
cjfa-18794	284	15	0.661	0.661	NUM
cjfa-18794	284	16	between	between	ADP
cjfa-18794	284	17	0.462	0.462	NUM
cjfa-18794	284	18	overall	overall	ADJ
cjfa-18794	284	19	0.477	0.477	NUM
cjfa-18794	284	20	f(9	f(9	NOUN
cjfa-18794	284	21	,	,	PUNCT
cjfa-18794	284	22	399	399	NUM
cjfa-18794	284	23	)	)	PUNCT
cjfa-18794	284	24	86.52	86.52	NUM
cjfa-18794	284	25	0.000	0.000	NUM
cjfa-18794	284	26	rho	rho	ADJ
cjfa-18794	284	27	0.892	0.892	NUM
cjfa-18794	284	28	n	n	PRON
cjfa-18794	284	29	439	439	NUM
cjfa-18794	284	30	number	number	NOUN
cjfa-18794	284	31	of	of	ADP
cjfa-18794	284	32	groups	group	NOUN
cjfa-18794	284	33	31	31	NUM
cjfa-18794	284	34	observations	observation	NOUN
cjfa-18794	284	35	per	per	ADP
cjfa-18794	284	36	group	group	NOUN
cjfa-18794	284	37	min	min	PROPN
cjfa-18794	284	38	7	7	NUM
cjfa-18794	284	39	max	max	PROPN
cjfa-18794	284	40	20	20	NUM
cjfa-18794	284	41	average	average	ADJ
cjfa-18794	284	42	14.2	14.2	NUM
cjfa-18794	284	43	source	source	NOUN
cjfa-18794	284	44	:	:	PUNCT
cjfa-18794	284	45	own	own	ADJ
cjfa-18794	284	46	elaboration	elaboration	NOUN
cjfa-18794	284	47	.	.	PUNCT
cjfa-18794	285	1	the	the	DET
cjfa-18794	285	2	estimated	estimate	VERB
cjfa-18794	285	3	model	model	NOUN
cjfa-18794	285	4	is	be	AUX
cjfa-18794	285	5	statistically	statistically	ADV
cjfa-18794	285	6	significant	significant	ADJ
cjfa-18794	285	7	at	at	ADP
cjfa-18794	285	8	all	all	DET
cjfa-18794	285	9	conventional	conventional	ADJ
cjfa-18794	285	10	levels	level	NOUN
cjfa-18794	285	11	.	.	PUNCT
cjfa-18794	286	1	the	the	DET
cjfa-18794	286	2	variance	variance	NOUN
cjfa-18794	286	3	of	of	ADP
cjfa-18794	286	4	the	the	DET
cjfa-18794	286	5	explanatory	explanatory	ADJ
cjfa-18794	286	6	variables	variable	NOUN
cjfa-18794	286	7	has	have	AUX
cjfa-18794	286	8	been	be	AUX
cjfa-18794	286	9	able	able	ADJ
cjfa-18794	286	10	to	to	PART
cjfa-18794	286	11	explain	explain	VERB
cjfa-18794	286	12	over	over	ADP
cjfa-18794	286	13	66	66	NUM
cjfa-18794	286	14	%	%	NOUN
cjfa-18794	286	15	of	of	ADP
cjfa-18794	286	16	variation	variation	NOUN
cjfa-18794	286	17	in	in	ADP
cjfa-18794	286	18	the	the	DET
cjfa-18794	286	19	houseestimate	houseestimate	ADJ
cjfa-18794	286	20	value	value	NOUN
cjfa-18794	286	21	std	std	PROPN
cjfa-18794	286	22	.	.	NOUN
cjfa-18794	286	23	error	error	NOUN
cjfa-18794	286	24	t	t	NOUN
cjfa-18794	286	25	p	p	NOUN
cjfa-18794	286	26	-	-	PUNCT
cjfa-18794	286	27	value	value	NOUN
cjfa-18794	286	28	95	95	NUM
cjfa-18794	286	29	%	%	NOUN
cjfa-18794	286	30	conf	conf	NOUN
cjfa-18794	286	31	.	.	PUNCT
cjfa-18794	287	1	interval	interval	NOUN
cjfa-18794	287	2	β3	β3	PROPN
cjfa-18794	287	3	-0.019	-0.019	PROPN
cjfa-18794	287	4	0.005	0.005	NUM
cjfa-18794	287	5	-4.16	-4.16	NUM
cjfa-18794	287	6	0.000	0.000	NUM
cjfa-18794	287	7	-0.028	-0.028	PRON
cjfa-18794	287	8	-0.010	-0.010	PUNCT
cjfa-18794	287	9	β4	β4	PROPN
cjfa-18794	287	10	-0.013	-0.013	PUNCT
cjfa-18794	287	11	0.034	0.034	NUM
cjfa-18794	287	12	-0.40	-0.40	NUM
cjfa-18794	287	13	0.691	0.691	NUM
cjfa-18794	287	14	-0.079	-0.079	SYM
cjfa-18794	287	15	0.053	0.053	NUM
cjfa-18794	287	16	β5	β5	NOUN
cjfa-18794	287	17	0.450	0.450	NUM
cjfa-18794	287	18	0.183	0.183	NUM
cjfa-18794	287	19	2.46	2.46	NUM
cjfa-18794	287	20	0.014	0.014	NUM
cjfa-18794	287	21	0.090	0.090	NUM
cjfa-18794	287	22	0.811	0.811	NUM
cjfa-18794	287	23	β6	β6	PROPN
cjfa-18794	287	24	0.014	0.014	NUM
cjfa-18794	287	25	0.003	0.003	NUM
cjfa-18794	287	26	3.79	3.79	NUM
cjfa-18794	287	27	0.000	0.000	NUM
cjfa-18794	287	28	0.007	0.007	NUM
cjfa-18794	287	29	0.021	0.021	NUM
cjfa-18794	287	30	β7	β7	ADJ
cjfa-18794	287	31	0.002	0.002	NUM
cjfa-18794	287	32	0.001	0.001	NUM
cjfa-18794	287	33	2.35	2.35	NUM
cjfa-18794	287	34	0.019	0.019	NUM
cjfa-18794	287	35	0.000	0.000	NUM
cjfa-18794	287	36	0.004	0.004	NUM
cjfa-18794	287	37	β8	β8	NOUN
cjfa-18794	287	38	1.066	1.066	NUM
cjfa-18794	287	39	0.251	0.251	NUM
cjfa-18794	287	40	4.25	4.25	NUM
cjfa-18794	287	41	0.000	0.000	NUM
cjfa-18794	287	42	0.573	0.573	NUM
cjfa-18794	287	43	1.558	1.558	NUM
cjfa-18794	287	44	β9	β9	PROPN
cjfa-18794	287	45	-0.872	-0.872	PUNCT
cjfa-18794	287	46	0.225	0.225	NUM
cjfa-18794	287	47	-3.87	-3.87	NUM
cjfa-18794	287	48	0.000	0.000	NUM
cjfa-18794	287	49	-15.366	-15.366	PUNCT
cjfa-18794	287	50	-7.541	-7.541	PUNCT
cjfa-18794	287	51	r2	r2	NOUN
cjfa-18794	287	52	:	:	PUNCT
cjfa-18794	287	53	–	–	PUNCT
cjfa-18794	287	54	within	within	ADP
cjfa-18794	287	55	–	–	PUNCT
cjfa-18794	287	56	between	between	ADP
cjfa-18794	287	57	–	–	PUNCT
cjfa-18794	287	58	overall	overall	ADJ
cjfa-18794	287	59	0.661	0.661	NUM
cjfa-18794	287	60	0.462	0.462	NUM
cjfa-18794	287	61	0.477	0.477	NUM
cjfa-18794	287	62	f(9	f(9	NOUN
cjfa-18794	287	63	,	,	PUNCT
cjfa-18794	287	64	399	399	NUM
cjfa-18794	287	65	)	)	PUNCT
cjfa-18794	287	66	86.52	86.52	NUM
cjfa-18794	287	67	0.000	0.000	NUM
cjfa-18794	287	68	rho	rho	ADJ
cjfa-18794	287	69	0.892	0.892	NUM
cjfa-18794	287	70	n	n	PRON
cjfa-18794	287	71	439	439	NUM
cjfa-18794	287	72	number	number	NOUN
cjfa-18794	287	73	of	of	ADP
cjfa-18794	287	74	groups	group	NOUN
cjfa-18794	287	75	31	31	NUM
cjfa-18794	287	76	observations	observation	NOUN
cjfa-18794	287	77	per	per	ADP
cjfa-18794	287	78	group	group	NOUN
cjfa-18794	287	79	–	–	PUNCT
cjfa-18794	287	80	min	min	NOUN
cjfa-18794	287	81	–	–	PUNCT
cjfa-18794	287	82	max	max	PROPN
cjfa-18794	287	83	–	–	PUNCT
cjfa-18794	287	84	average	average	ADJ
cjfa-18794	287	85	7	7	NUM
cjfa-18794	287	86	20	20	NUM
cjfa-18794	287	87	14.2	14.2	NUM
cjfa-18794	287	88	s	s	NOUN
cjfa-18794	287	89	o	o	NOUN
cjfa-18794	287	90	u	u	NOUN
cjfa-18794	287	91	r	r	NOUN
cjfa-18794	287	92	c	c	NOUN
cjfa-18794	287	93	e	e	NOUN
cjfa-18794	287	94	:	:	PUNCT
cjfa-18794	287	95	own	own	ADJ
cjfa-18794	287	96	elaboration	elaboration	NOUN
cjfa-18794	287	97	.	.	PUNCT
cjfa-18794	288	1	the	the	DET
cjfa-18794	288	2	estimated	estimate	VERB
cjfa-18794	288	3	model	model	NOUN
cjfa-18794	288	4	is	be	AUX
cjfa-18794	288	5	statistically	statistically	ADV
cjfa-18794	288	6	significant	significant	ADJ
cjfa-18794	288	7	at	at	ADP
cjfa-18794	288	8	all	all	DET
cjfa-18794	288	9	conventional	conventional	ADJ
cjfa-18794	288	10	levels	level	NOUN
cjfa-18794	288	11	.	.	PUNCT
cjfa-18794	289	1	the	the	DET
cjfa-18794	289	2	variance	variance	NOUN
cjfa-18794	289	3	of	of	ADP
cjfa-18794	289	4	the	the	DET
cjfa-18794	289	5	explanatory	explanatory	ADJ
cjfa-18794	289	6	variables	variable	NOUN
cjfa-18794	289	7	has	have	AUX
cjfa-18794	289	8	been	be	AUX
cjfa-18794	289	9	able	able	ADJ
cjfa-18794	289	10	to	to	PART
cjfa-18794	289	11	explain	explain	VERB
cjfa-18794	289	12	over	over	ADP
cjfa-18794	289	13	66	66	NUM
cjfa-18794	289	14	%	%	NOUN
cjfa-18794	289	15	of	of	ADP
cjfa-18794	289	16	variation	variation	NOUN
cjfa-18794	289	17	in	in	ADP
cjfa-18794	289	18	the	the	DET
cjfa-18794	289	19	household	household	NOUN
cjfa-18794	289	20	dti	dti	PROPN
cjfa-18794	289	21	ratio	ratio	NOUN
cjfa-18794	289	22	within	within	ADP
cjfa-18794	289	23	the	the	DET
cjfa-18794	289	24	analysed	analyse	VERB
cjfa-18794	289	25	countries	country	NOUN
cjfa-18794	289	26	.	.	PUNCT
cjfa-18794	290	1	the	the	DET
cjfa-18794	290	2	estimated	estimate	VERB
cjfa-18794	290	3	value	value	NOUN
cjfa-18794	290	4	of	of	ADP
cjfa-18794	290	5	the	the	DET
cjfa-18794	290	6	parameter	parameter	NOUN
cjfa-18794	290	7	rho	rho	NOUN
cjfa-18794	290	8	indicates	indicate	VERB
cjfa-18794	290	9	a	a	DET
cjfa-18794	290	10	strong	strong	ADJ
cjfa-18794	290	11	heterogeneity	heterogeneity	NOUN
cjfa-18794	290	12	in	in	ADP
cjfa-18794	290	13	the	the	DET
cjfa-18794	290	14	examined	examine	VERB
cjfa-18794	290	15	sample	sample	NOUN
cjfa-18794	290	16	,	,	PUNCT
cjfa-18794	290	17	as	as	SCONJ
cjfa-18794	290	18	over	over	ADP
cjfa-18794	290	19	89	89	NUM
cjfa-18794	290	20	%	%	NOUN
cjfa-18794	290	21	of	of	ADP
cjfa-18794	290	22	the	the	DET
cjfa-18794	290	23	variance	variance	NOUN
cjfa-18794	290	24	in	in	ADP
cjfa-18794	290	25	dti	dti	PROPN
cjfa-18794	290	26	has	have	AUX
cjfa-18794	290	27	been	be	AUX
cjfa-18794	290	28	attributable	attributable	ADJ
cjfa-18794	290	29	to	to	ADP
cjfa-18794	290	30	the	the	DET
cjfa-18794	290	31	differences	difference	NOUN
cjfa-18794	290	32	across	across	ADP
cjfa-18794	290	33	countries	country	NOUN
cjfa-18794	290	34	.	.	PUNCT
cjfa-18794	291	1	the	the	DET
cjfa-18794	291	2	majority	majority	NOUN
cjfa-18794	291	3	of	of	ADP
cjfa-18794	291	4	the	the	DET
cjfa-18794	291	5	estimated	estimate	VERB
cjfa-18794	291	6	regression	regression	NOUN
cjfa-18794	291	7	coefficients	coefficient	NOUN
cjfa-18794	291	8	have	have	VERB
cjfa-18794	291	9	the	the	DET
cjfa-18794	291	10	expected	expect	VERB
cjfa-18794	291	11	signs	sign	NOUN
cjfa-18794	291	12	and	and	CCONJ
cjfa-18794	291	13	are	be	AUX
cjfa-18794	291	14	statistically	statistically	ADV
cjfa-18794	291	15	significant	significant	ADJ
cjfa-18794	291	16	at	at	ADP
cjfa-18794	291	17	the	the	DET
cjfa-18794	291	18	0.05	0.05	NUM
cjfa-18794	291	19	level	level	NOUN
cjfa-18794	291	20	.	.	PUNCT
cjfa-18794	292	1	the	the	DET
cjfa-18794	292	2	results	result	NOUN
cjfa-18794	292	3	of	of	ADP
cjfa-18794	292	4	the	the	DET
cjfa-18794	292	5	estimation	estimation	NOUN
cjfa-18794	292	6	indicate	indicate	VERB
cjfa-18794	292	7	that	that	SCONJ
cjfa-18794	292	8	after	after	ADP
cjfa-18794	292	9	controlling	control	VERB
cjfa-18794	292	10	for	for	ADP
cjfa-18794	292	11	the	the	DET
cjfa-18794	292	12	time	time	NOUN
cjfa-18794	292	13	-	-	PUNCT
cjfa-18794	292	14	invariant	invariant	ADJ
cjfa-18794	292	15	country	country	NOUN
cjfa-18794	292	16	-	-	PUNCT
cjfa-18794	292	17	specific	specific	ADJ
cjfa-18794	292	18	factors	factor	NOUN
cjfa-18794	292	19	,	,	PUNCT
cjfa-18794	292	20	the	the	DET
cjfa-18794	292	21	household	household	NOUN
cjfa-18794	292	22	dti	dti	PROPN
cjfa-18794	292	23	ratio	ratio	NOUN
cjfa-18794	292	24	in	in	ADP
cjfa-18794	292	25	the	the	DET
cjfa-18794	292	26	oecd	oecd	PROPN
cjfa-18794	292	27	countries	country	NOUN
cjfa-18794	292	28	is	be	AUX
cjfa-18794	292	29	positively	positively	ADV
cjfa-18794	292	30	related	relate	VERB
cjfa-18794	292	31	to	to	ADP
cjfa-18794	292	32	the	the	DET
cjfa-18794	292	33	table	table	NOUN
cjfa-18794	292	34	1	1	NUM
cjfa-18794	292	35	.	.	PUNCT
cjfa-18794	293	1	estimations	estimation	NOUN
cjfa-18794	293	2	of	of	ADP
cjfa-18794	293	3	the	the	DET
cjfa-18794	293	4	fixed	fix	VERB
cjfa-18794	293	5	-	-	PUNCT
cjfa-18794	293	6	effect	effect	NOUN
cjfa-18794	293	7	panel	panel	NOUN
cjfa-18794	293	8	regression	regression	NOUN
cjfa-18794	293	9	model	model	NOUN
cjfa-18794	293	10	piotr	piotr	PROPN
cjfa-18794	293	11	bolibok38	bolibok38	PROPN
cjfa-18794	293	12	average	average	ADJ
cjfa-18794	293	13	annual	annual	ADJ
cjfa-18794	293	14	wages	wage	NOUN
cjfa-18794	293	15	,	,	PUNCT
cjfa-18794	293	16	the	the	DET
cjfa-18794	293	17	share	share	NOUN
cjfa-18794	293	18	of	of	ADP
cjfa-18794	293	19	population	population	NOUN
cjfa-18794	293	20	aged	aged	ADJ
cjfa-18794	293	21	25–39	25–39	NUM
cjfa-18794	293	22	,	,	PUNCT
cjfa-18794	293	23	the	the	DET
cjfa-18794	293	24	share	share	NOUN
cjfa-18794	293	25	of	of	ADP
cjfa-18794	293	26	population	population	NOUN
cjfa-18794	293	27	with	with	ADP
cjfa-18794	293	28	tertiary	tertiary	ADJ
cjfa-18794	293	29	education	education	NOUN
cjfa-18794	293	30	attainment	attainment	NOUN
cjfa-18794	293	31	,	,	PUNCT
cjfa-18794	293	32	and	and	CCONJ
cjfa-18794	293	33	the	the	DET
cjfa-18794	293	34	magnitude	magnitude	NOUN
cjfa-18794	293	35	of	of	ADP
cjfa-18794	293	36	the	the	DET
cjfa-18794	293	37	wage	wage	NOUN
cjfa-18794	293	38	-	-	PUNCT
cjfa-18794	293	39	productivity	productivity	NOUN
cjfa-18794	293	40	gap	gap	NOUN
cjfa-18794	293	41	,	,	PUNCT
cjfa-18794	293	42	while	while	SCONJ
cjfa-18794	293	43	being	be	AUX
cjfa-18794	293	44	negatively	negatively	ADV
cjfa-18794	293	45	associated	associate	VERB
cjfa-18794	293	46	with	with	ADP
cjfa-18794	293	47	the	the	DET
cjfa-18794	293	48	interest	interest	NOUN
cjfa-18794	293	49	rate	rate	NOUN
cjfa-18794	293	50	.	.	PUNCT
cjfa-18794	294	1	the	the	DET
cjfa-18794	294	2	regression	regression	NOUN
cjfa-18794	294	3	coefficient	coefficient	NOUN
cjfa-18794	294	4	for	for	ADP
cjfa-18794	294	5	the	the	DET
cjfa-18794	294	6	unemployment	unemployment	NOUN
cjfa-18794	294	7	rate	rate	NOUN
cjfa-18794	294	8	(	(	PUNCT
cjfa-18794	294	9	β5	β5	NOUN
cjfa-18794	294	10	)	)	PUNCT
cjfa-18794	294	11	,	,	PUNCT
cjfa-18794	294	12	although	although	SCONJ
cjfa-18794	294	13	negative	negative	ADJ
cjfa-18794	294	14	as	as	SCONJ
cjfa-18794	294	15	expected	expect	VERB
cjfa-18794	294	16	,	,	PUNCT
cjfa-18794	294	17	is	be	AUX
cjfa-18794	294	18	statistically	statistically	ADV
cjfa-18794	294	19	insignificant	insignificant	ADJ
cjfa-18794	294	20	,	,	PUNCT
cjfa-18794	294	21	which	which	PRON
cjfa-18794	294	22	seems	seem	VERB
cjfa-18794	294	23	consistent	consistent	ADJ
cjfa-18794	294	24	with	with	ADP
cjfa-18794	294	25	the	the	DET
cjfa-18794	294	26	findings	finding	NOUN
cjfa-18794	294	27	of	of	ADP
cjfa-18794	294	28	rubaszek	rubaszek	NOUN
cjfa-18794	294	29	and	and	CCONJ
cjfa-18794	294	30	serwa	serwa	NOUN
cjfa-18794	294	31	(	(	PUNCT
cjfa-18794	294	32	2014	2014	NUM
cjfa-18794	294	33	,	,	PUNCT
cjfa-18794	294	34	p.	p.	NOUN
cjfa-18794	294	35	584	584	NUM
cjfa-18794	294	36	)	)	PUNCT
cjfa-18794	294	37	.	.	PUNCT
cjfa-18794	295	1	contrary	contrary	ADJ
cjfa-18794	295	2	to	to	ADP
cjfa-18794	295	3	ex	ex	NOUN
cjfa-18794	295	4	-	-	NOUN
cjfa-18794	295	5	ante	ante	NOUN
cjfa-18794	295	6	expectations	expectation	NOUN
cjfa-18794	295	7	,	,	PUNCT
cjfa-18794	295	8	however	however	ADV
cjfa-18794	295	9	,	,	PUNCT
cjfa-18794	295	10	the	the	DET
cjfa-18794	295	11	estimated	estimate	VERB
cjfa-18794	295	12	coefficients	coefficient	NOUN
cjfa-18794	295	13	β2	β2	PROPN
cjfa-18794	295	14	and	and	CCONJ
cjfa-18794	295	15	β9	β9	PROPN
cjfa-18794	295	16	have	have	AUX
cjfa-18794	295	17	turned	turn	VERB
cjfa-18794	295	18	out	out	ADP
cjfa-18794	295	19	to	to	PART
cjfa-18794	295	20	be	be	AUX
cjfa-18794	295	21	negative	negative	ADJ
cjfa-18794	295	22	.	.	PUNCT
cjfa-18794	296	1	it	it	PRON
cjfa-18794	296	2	appears	appear	VERB
cjfa-18794	296	3	therefore	therefore	ADV
cjfa-18794	296	4	,	,	PUNCT
cjfa-18794	296	5	that	that	SCONJ
cjfa-18794	296	6	after	after	ADP
cjfa-18794	296	7	controlling	control	VERB
cjfa-18794	296	8	for	for	ADP
cjfa-18794	296	9	the	the	DET
cjfa-18794	296	10	country	country	NOUN
cjfa-18794	296	11	-	-	PUNCT
cjfa-18794	296	12	specific	specific	ADJ
cjfa-18794	296	13	effects	effect	NOUN
cjfa-18794	296	14	,	,	PUNCT
cjfa-18794	296	15	the	the	DET
cjfa-18794	296	16	rate	rate	NOUN
cjfa-18794	296	17	of	of	ADP
cjfa-18794	296	18	economic	economic	ADJ
cjfa-18794	296	19	growth	growth	NOUN
cjfa-18794	296	20	and	and	CCONJ
cjfa-18794	296	21	income	income	NOUN
cjfa-18794	296	22	inequality	inequality	NOUN
cjfa-18794	296	23	influence	influence	NOUN
cjfa-18794	296	24	the	the	DET
cjfa-18794	296	25	household	household	NOUN
cjfa-18794	296	26	dti	dti	PROPN
cjfa-18794	296	27	ratio	ratio	NOUN
cjfa-18794	296	28	negatively	negatively	ADV
cjfa-18794	296	29	.	.	PUNCT
cjfa-18794	297	1	the	the	DET
cjfa-18794	297	2	statistical	statistical	ADJ
cjfa-18794	297	3	insignificance	insignificance	NOUN
cjfa-18794	297	4	of	of	ADP
cjfa-18794	297	5	the	the	DET
cjfa-18794	297	6	relationship	relationship	NOUN
cjfa-18794	297	7	between	between	ADP
cjfa-18794	297	8	household	household	NOUN
cjfa-18794	297	9	indebtedness	indebtedness	NOUN
cjfa-18794	297	10	and	and	CCONJ
cjfa-18794	297	11	unemployment	unemployment	NOUN
cjfa-18794	297	12	,	,	PUNCT
cjfa-18794	297	13	as	as	ADV
cjfa-18794	297	14	well	well	ADV
cjfa-18794	297	15	as	as	ADP
cjfa-18794	297	16	the	the	DET
cjfa-18794	297	17	unexpected	unexpected	ADJ
cjfa-18794	297	18	negative	negative	ADJ
cjfa-18794	297	19	impact	impact	NOUN
cjfa-18794	297	20	of	of	ADP
cjfa-18794	297	21	economic	economic	ADJ
cjfa-18794	297	22	growth	growth	NOUN
cjfa-18794	297	23	might	might	AUX
cjfa-18794	297	24	be	be	AUX
cjfa-18794	297	25	partially	partially	ADV
cjfa-18794	297	26	explained	explain	VERB
cjfa-18794	297	27	by	by	ADP
cjfa-18794	297	28	the	the	DET
cjfa-18794	297	29	likely	likely	ADJ
cjfa-18794	297	30	distortions	distortion	NOUN
cjfa-18794	297	31	caused	cause	VERB
cjfa-18794	297	32	by	by	ADP
cjfa-18794	297	33	the	the	DET
cjfa-18794	297	34	recent	recent	ADJ
cjfa-18794	297	35	global	global	ADJ
cjfa-18794	297	36	financial	financial	ADJ
cjfa-18794	297	37	crisis	crisis	NOUN
cjfa-18794	297	38	,	,	PUNCT
cjfa-18794	297	39	in	in	ADP
cjfa-18794	297	40	the	the	DET
cjfa-18794	297	41	aftermath	aftermath	NOUN
cjfa-18794	297	42	of	of	ADP
cjfa-18794	297	43	which	which	PRON
cjfa-18794	297	44	many	many	ADJ
cjfa-18794	297	45	developed	develop	VERB
cjfa-18794	297	46	countries	country	NOUN
cjfa-18794	297	47	have	have	AUX
cjfa-18794	297	48	suffered	suffer	VERB
cjfa-18794	297	49	a	a	DET
cjfa-18794	297	50	rising	rise	VERB
cjfa-18794	297	51	unemployment	unemployment	NOUN
cjfa-18794	297	52	combined	combine	VERB
cjfa-18794	297	53	with	with	ADP
cjfa-18794	297	54	a	a	DET
cjfa-18794	297	55	negative	negative	ADJ
cjfa-18794	297	56	or	or	CCONJ
cjfa-18794	297	57	stagnant	stagnant	ADJ
cjfa-18794	297	58	growth	growth	NOUN
cjfa-18794	297	59	while	while	SCONJ
cjfa-18794	297	60	households	household	NOUN
cjfa-18794	297	61	have	have	AUX
cjfa-18794	297	62	struggled	struggle	VERB
cjfa-18794	297	63	to	to	PART
cjfa-18794	297	64	deleverage	deleverage	VERB
cjfa-18794	297	65	,	,	PUNCT
cjfa-18794	297	66	and	and	CCONJ
cjfa-18794	297	67	the	the	DET
cjfa-18794	297	68	overall	overall	ADJ
cjfa-18794	297	69	dti	dti	PROPN
cjfa-18794	297	70	ratio	ratio	NOUN
cjfa-18794	297	71	has	have	AUX
cjfa-18794	297	72	remained	remain	VERB
cjfa-18794	297	73	elevated	elevated	ADJ
cjfa-18794	297	74	.	.	PUNCT
cjfa-18794	298	1	in	in	ADP
cjfa-18794	298	2	turn	turn	NOUN
cjfa-18794	298	3	,	,	PUNCT
cjfa-18794	298	4	the	the	DET
cjfa-18794	298	5	negative	negative	ADJ
cjfa-18794	298	6	estimate	estimate	NOUN
cjfa-18794	298	7	of	of	ADP
cjfa-18794	298	8	the	the	DET
cjfa-18794	298	9	coefficient	coefficient	NOUN
cjfa-18794	298	10	β9	β9	PROPN
cjfa-18794	298	11	suggests	suggest	VERB
cjfa-18794	298	12	that	that	SCONJ
cjfa-18794	298	13	a	a	DET
cjfa-18794	298	14	positive	positive	ADJ
cjfa-18794	298	15	relationship	relationship	NOUN
cjfa-18794	298	16	between	between	ADP
cjfa-18794	298	17	income	income	NOUN
cjfa-18794	298	18	inequality	inequality	NOUN
cjfa-18794	298	19	and	and	CCONJ
cjfa-18794	298	20	household	household	NOUN
cjfa-18794	298	21	debt	debt	NOUN
cjfa-18794	298	22	might	might	AUX
cjfa-18794	298	23	in	in	ADP
cjfa-18794	298	24	fact	fact	NOUN
cjfa-18794	298	25	be	be	AUX
cjfa-18794	298	26	largely	largely	ADV
cjfa-18794	298	27	limited	limit	VERB
cjfa-18794	298	28	geographically	geographically	ADV
cjfa-18794	298	29	,	,	PUNCT
cjfa-18794	298	30	as	as	SCONJ
cjfa-18794	298	31	it	it	PRON
cjfa-18794	298	32	actually	actually	ADV
cjfa-18794	298	33	becomes	becomes	AUX
cjfa-18794	298	34	reversed	reverse	VERB
cjfa-18794	298	35	in	in	ADP
cjfa-18794	298	36	a	a	DET
cjfa-18794	298	37	broader	broad	ADJ
cjfa-18794	298	38	panel	panel	NOUN
cjfa-18794	298	39	of	of	ADP
cjfa-18794	298	40	countries	country	NOUN
cjfa-18794	298	41	.	.	PUNCT
cjfa-18794	298	42	 	 	SPACE
cjfa-18794	299	1	conclusions	conclusion	VERB
cjfa-18794	299	2	the	the	DET
cjfa-18794	299	3	results	result	NOUN
cjfa-18794	299	4	of	of	ADP
cjfa-18794	299	5	the	the	DET
cjfa-18794	299	6	research	research	NOUN
cjfa-18794	299	7	largely	largely	ADV
cjfa-18794	299	8	support	support	VERB
cjfa-18794	299	9	both	both	DET
cjfa-18794	299	10	hypotheses	hypothesis	NOUN
cjfa-18794	299	11	of	of	ADP
cjfa-18794	299	12	the	the	DET
cjfa-18794	299	13	present	present	ADJ
cjfa-18794	299	14	study	study	NOUN
cjfa-18794	299	15	.	.	PUNCT
cjfa-18794	300	1	some	some	PRON
cjfa-18794	300	2	of	of	ADP
cjfa-18794	300	3	the	the	DET
cjfa-18794	300	4	findings	finding	NOUN
cjfa-18794	300	5	,	,	PUNCT
cjfa-18794	300	6	however	however	ADV
cjfa-18794	300	7	,	,	PUNCT
cjfa-18794	300	8	have	have	AUX
cjfa-18794	300	9	turned	turn	VERB
cjfa-18794	300	10	out	out	ADP
cjfa-18794	300	11	to	to	PART
cjfa-18794	300	12	be	be	AUX
cjfa-18794	300	13	surprising	surprising	ADJ
cjfa-18794	300	14	.	.	PUNCT
cjfa-18794	301	1	consistent	consistent	ADJ
cjfa-18794	301	2	with	with	ADP
cjfa-18794	301	3	the	the	DET
cjfa-18794	301	4	conclusions	conclusion	NOUN
cjfa-18794	301	5	of	of	ADP
cjfa-18794	301	6	the	the	DET
cjfa-18794	301	7	prior	prior	ADJ
cjfa-18794	301	8	investigations	investigation	NOUN
cjfa-18794	301	9	,	,	PUNCT
cjfa-18794	301	10	the	the	DET
cjfa-18794	301	11	household	household	NOUN
cjfa-18794	301	12	dti	dti	PROPN
cjfa-18794	301	13	ratio	ratio	NOUN
cjfa-18794	301	14	in	in	ADP
cjfa-18794	301	15	the	the	DET
cjfa-18794	301	16	oecd	oecd	PROPN
cjfa-18794	301	17	countries	country	NOUN
cjfa-18794	301	18	appears	appear	VERB
cjfa-18794	301	19	to	to	PART
cjfa-18794	301	20	be	be	AUX
cjfa-18794	301	21	positively	positively	ADV
cjfa-18794	301	22	related	relate	VERB
cjfa-18794	301	23	to	to	ADP
cjfa-18794	301	24	the	the	DET
cjfa-18794	301	25	average	average	ADJ
cjfa-18794	301	26	annual	annual	ADJ
cjfa-18794	301	27	wages	wage	NOUN
cjfa-18794	301	28	,	,	PUNCT
cjfa-18794	301	29	the	the	DET
cjfa-18794	301	30	share	share	NOUN
cjfa-18794	301	31	of	of	ADP
cjfa-18794	301	32	population	population	NOUN
cjfa-18794	301	33	aged	aged	ADJ
cjfa-18794	301	34	25–39	25–39	NUM
cjfa-18794	301	35	,	,	PUNCT
cjfa-18794	301	36	the	the	DET
cjfa-18794	301	37	share	share	NOUN
cjfa-18794	301	38	of	of	ADP
cjfa-18794	301	39	population	population	NOUN
cjfa-18794	301	40	with	with	ADP
cjfa-18794	301	41	tertiary	tertiary	ADJ
cjfa-18794	301	42	education	education	NOUN
cjfa-18794	301	43	attainment	attainment	NOUN
cjfa-18794	301	44	,	,	PUNCT
cjfa-18794	301	45	and	and	CCONJ
cjfa-18794	301	46	the	the	DET
cjfa-18794	301	47	magnitude	magnitude	NOUN
cjfa-18794	301	48	of	of	ADP
cjfa-18794	301	49	the	the	DET
cjfa-18794	301	50	wage	wage	NOUN
cjfa-18794	301	51	-	-	PUNCT
cjfa-18794	301	52	productivity	productivity	NOUN
cjfa-18794	301	53	gap	gap	NOUN
cjfa-18794	301	54	.	.	PUNCT
cjfa-18794	302	1	in	in	ADP
cjfa-18794	302	2	turn	turn	NOUN
cjfa-18794	302	3	,	,	PUNCT
cjfa-18794	302	4	the	the	DET
cjfa-18794	302	5	interest	interest	NOUN
cjfa-18794	302	6	rates	rate	NOUN
cjfa-18794	302	7	and	and	CCONJ
cjfa-18794	302	8	the	the	DET
cjfa-18794	302	9	unemployment	unemployment	NOUN
cjfa-18794	302	10	rate	rate	NOUN
cjfa-18794	302	11	seem	seem	VERB
cjfa-18794	302	12	to	to	PART
cjfa-18794	302	13	affect	affect	VERB
cjfa-18794	302	14	the	the	DET
cjfa-18794	302	15	ratio	ratio	NOUN
cjfa-18794	302	16	negatively	negatively	ADV
cjfa-18794	302	17	,	,	PUNCT
cjfa-18794	302	18	although	although	SCONJ
cjfa-18794	302	19	the	the	DET
cjfa-18794	302	20	latter	latter	ADJ
cjfa-18794	302	21	relationship	relationship	NOUN
cjfa-18794	302	22	is	be	AUX
cjfa-18794	302	23	statistically	statistically	ADV
cjfa-18794	302	24	insignificant	insignificant	ADJ
cjfa-18794	302	25	.	.	PUNCT
cjfa-18794	303	1	therefore	therefore	ADV
cjfa-18794	303	2	,	,	PUNCT
cjfa-18794	303	3	the	the	DET
cjfa-18794	303	4	long	long	ADV
cjfa-18794	303	5	-	-	PUNCT
cjfa-18794	303	6	run	run	NOUN
cjfa-18794	303	7	cross	cross	ADJ
cjfa-18794	303	8	-	-	ADJ
cjfa-18794	303	9	sectional	sectional	ADJ
cjfa-18794	303	10	evidence	evidence	NOUN
cjfa-18794	303	11	confirms	confirm	VERB
cjfa-18794	303	12	the	the	DET
cjfa-18794	303	13	impact	impact	NOUN
cjfa-18794	303	14	of	of	ADP
cjfa-18794	303	15	the	the	DET
cjfa-18794	303	16	majority	majority	NOUN
cjfa-18794	303	17	of	of	ADP
cjfa-18794	303	18	macroeconomic	macroeconomic	ADJ
cjfa-18794	303	19	household	household	NOUN
cjfa-18794	303	20	debt	debt	NOUN
cjfa-18794	303	21	drivers	driver	NOUN
cjfa-18794	303	22	identified	identify	VERB
cjfa-18794	303	23	in	in	ADP
cjfa-18794	303	24	the	the	DET
cjfa-18794	303	25	relevant	relevant	ADJ
cjfa-18794	303	26	literature	literature	NOUN
cjfa-18794	303	27	.	.	PUNCT
cjfa-18794	304	1	unexpectedly	unexpectedly	ADV
cjfa-18794	304	2	,	,	PUNCT
cjfa-18794	304	3	after	after	ADP
cjfa-18794	304	4	controlling	control	VERB
cjfa-18794	304	5	for	for	ADP
cjfa-18794	304	6	the	the	DET
cjfa-18794	304	7	country	country	NOUN
cjfa-18794	304	8	-	-	PUNCT
cjfa-18794	304	9	specific	specific	ADJ
cjfa-18794	304	10	effects	effect	NOUN
cjfa-18794	304	11	,	,	PUNCT
cjfa-18794	304	12	the	the	DET
cjfa-18794	304	13	rate	rate	NOUN
cjfa-18794	304	14	of	of	ADP
cjfa-18794	304	15	economic	economic	ADJ
cjfa-18794	304	16	growth	growth	NOUN
cjfa-18794	304	17	and	and	CCONJ
cjfa-18794	304	18	income	income	NOUN
cjfa-18794	304	19	inequality	inequality	NOUN
cjfa-18794	304	20	have	have	AUX
cjfa-18794	304	21	been	be	AUX
cjfa-18794	304	22	found	find	VERB
cjfa-18794	304	23	to	to	PART
cjfa-18794	304	24	affect	affect	VERB
cjfa-18794	304	25	the	the	DET
cjfa-18794	304	26	dti	dti	PROPN
cjfa-18794	304	27	ratio	ratio	NOUN
cjfa-18794	304	28	negatively	negatively	ADV
cjfa-18794	304	29	.	.	PUNCT
cjfa-18794	305	1	one	one	NUM
cjfa-18794	305	2	of	of	ADP
cjfa-18794	305	3	the	the	DET
cjfa-18794	305	4	possible	possible	ADJ
cjfa-18794	305	5	explanations	explanation	NOUN
cjfa-18794	305	6	of	of	ADP
cjfa-18794	305	7	the	the	DET
cjfa-18794	305	8	former	former	ADJ
cjfa-18794	305	9	relationship	relationship	NOUN
cjfa-18794	305	10	is	be	AUX
cjfa-18794	305	11	the	the	DET
cjfa-18794	305	12	impact	impact	NOUN
cjfa-18794	305	13	of	of	ADP
cjfa-18794	305	14	the	the	DET
cjfa-18794	305	15	recent	recent	ADJ
cjfa-18794	305	16	global	global	ADJ
cjfa-18794	305	17	financial	financial	ADJ
cjfa-18794	305	18	crisis	crisis	NOUN
cjfa-18794	305	19	that	that	PRON
cjfa-18794	305	20	has	have	AUX
cjfa-18794	305	21	significantly	significantly	ADV
cjfa-18794	305	22	hampered	hamper	VERB
cjfa-18794	305	23	the	the	DET
cjfa-18794	305	24	the	the	DET
cjfa-18794	305	25	macroeconomic	macroeconomic	ADJ
cjfa-18794	305	26	drivers	driver	NOUN
cjfa-18794	305	27	of	of	ADP
cjfa-18794	305	28	household	household	NOUN
cjfa-18794	305	29	debt	debt	NOUN
cjfa-18794	305	30	-	-	PUNCT
cjfa-18794	305	31	to	to	ADP
cjfa-18794	305	32	-	-	PUNCT
cjfa-18794	305	33	income	income	NOUN
cjfa-18794	305	34	ratio	ratio	NOUN
cjfa-18794	305	35	…	…	PUNCT
cjfa-18794	305	36	39	39	NUM
cjfa-18794	305	37	economic	economic	ADJ
cjfa-18794	305	38	growth	growth	NOUN
cjfa-18794	305	39	while	while	SCONJ
cjfa-18794	305	40	the	the	DET
cjfa-18794	305	41	household	household	NOUN
cjfa-18794	305	42	indebtedness	indebtedness	NOUN
cjfa-18794	305	43	has	have	AUX
cjfa-18794	305	44	not	not	PART
cjfa-18794	305	45	adjusted	adjust	VERB
cjfa-18794	305	46	accordingly	accordingly	ADV
cjfa-18794	305	47	.	.	PUNCT
cjfa-18794	306	1	the	the	DET
cjfa-18794	306	2	cross	cross	ADJ
cjfa-18794	306	3	-	-	ADJ
cjfa-18794	306	4	sectional	sectional	ADJ
cjfa-18794	306	5	evidence	evidence	NOUN
cjfa-18794	306	6	suggests	suggest	VERB
cjfa-18794	306	7	that	that	SCONJ
cjfa-18794	306	8	the	the	DET
cjfa-18794	306	9	responsiveness	responsiveness	NOUN
cjfa-18794	306	10	of	of	ADP
cjfa-18794	306	11	household	household	NOUN
cjfa-18794	306	12	debt	debt	NOUN
cjfa-18794	306	13	to	to	ADP
cjfa-18794	306	14	the	the	DET
cjfa-18794	306	15	course	course	NOUN
cjfa-18794	306	16	of	of	ADP
cjfa-18794	306	17	the	the	DET
cjfa-18794	306	18	business	business	NOUN
cjfa-18794	306	19	cycle	cycle	NOUN
cjfa-18794	306	20	is	be	AUX
cjfa-18794	306	21	largely	largely	ADV
cjfa-18794	306	22	asymmetric	asymmetric	ADJ
cjfa-18794	306	23	.	.	PUNCT
cjfa-18794	307	1	an	an	DET
cjfa-18794	307	2	intensified	intensify	VERB
cjfa-18794	307	3	borrowing	borrowing	NOUN
cjfa-18794	307	4	during	during	ADP
cjfa-18794	307	5	the	the	DET
cjfa-18794	307	6	times	time	NOUN
cjfa-18794	307	7	of	of	ADP
cjfa-18794	307	8	expansion	expansion	NOUN
cjfa-18794	307	9	leads	lead	VERB
cjfa-18794	307	10	to	to	ADP
cjfa-18794	307	11	accumulation	accumulation	NOUN
cjfa-18794	307	12	of	of	ADP
cjfa-18794	307	13	debt	debt	NOUN
cjfa-18794	307	14	which	which	PRON
cjfa-18794	307	15	in	in	ADP
cjfa-18794	307	16	turn	turn	NOUN
cjfa-18794	307	17	becomes	become	VERB
cjfa-18794	307	18	difficult	difficult	ADJ
cjfa-18794	307	19	to	to	PART
cjfa-18794	307	20	reduce	reduce	VERB
cjfa-18794	307	21	when	when	SCONJ
cjfa-18794	307	22	the	the	DET
cjfa-18794	307	23	economy	economy	NOUN
cjfa-18794	307	24	turns	turn	VERB
cjfa-18794	307	25	down	down	ADP
cjfa-18794	307	26	and	and	CCONJ
cjfa-18794	307	27	households	household	NOUN
cjfa-18794	307	28	struggle	struggle	VERB
cjfa-18794	307	29	to	to	PART
cjfa-18794	307	30	delever	delever	VERB
cjfa-18794	307	31	.	.	PUNCT
cjfa-18794	308	1	moreover	moreover	ADV
cjfa-18794	308	2	,	,	PUNCT
cjfa-18794	308	3	it	it	PRON
cjfa-18794	308	4	is	be	AUX
cjfa-18794	308	5	also	also	ADV
cjfa-18794	308	6	likely	likely	ADJ
cjfa-18794	308	7	that	that	SCONJ
cjfa-18794	308	8	in	in	ADP
cjfa-18794	308	9	some	some	DET
cjfa-18794	308	10	countries	country	NOUN
cjfa-18794	308	11	a	a	DET
cjfa-18794	308	12	faster	fast	ADJ
cjfa-18794	308	13	economic	economic	ADJ
cjfa-18794	308	14	growth	growth	NOUN
cjfa-18794	308	15	might	might	AUX
cjfa-18794	308	16	in	in	ADP
cjfa-18794	308	17	fact	fact	NOUN
cjfa-18794	308	18	decrease	decrease	VERB
cjfa-18794	308	19	the	the	DET
cjfa-18794	308	20	demand	demand	NOUN
cjfa-18794	308	21	for	for	ADP
cjfa-18794	308	22	borrowing	borrowing	NOUN
cjfa-18794	308	23	,	,	PUNCT
cjfa-18794	308	24	as	as	SCONJ
cjfa-18794	308	25	households	household	NOUN
cjfa-18794	308	26	find	find	VERB
cjfa-18794	308	27	it	it	PRON
cjfa-18794	308	28	easier	easy	ADJ
cjfa-18794	308	29	to	to	PART
cjfa-18794	308	30	cover	cover	VERB
cjfa-18794	308	31	their	their	PRON
cjfa-18794	308	32	expenses	expense	NOUN
cjfa-18794	308	33	with	with	ADP
cjfa-18794	308	34	incomes	income	NOUN
cjfa-18794	308	35	,	,	PUNCT
cjfa-18794	308	36	instead	instead	ADV
cjfa-18794	308	37	of	of	ADP
cjfa-18794	308	38	using	use	VERB
cjfa-18794	308	39	debt	debt	NOUN
cjfa-18794	308	40	.	.	PUNCT
cjfa-18794	309	1	the	the	DET
cjfa-18794	309	2	negative	negative	ADJ
cjfa-18794	309	3	relationship	relationship	NOUN
cjfa-18794	309	4	between	between	ADP
cjfa-18794	309	5	income	income	NOUN
cjfa-18794	309	6	inequality	inequality	NOUN
cjfa-18794	309	7	and	and	CCONJ
cjfa-18794	309	8	indebtedness	indebtedness	NOUN
cjfa-18794	309	9	suggests	suggest	VERB
cjfa-18794	309	10	that	that	SCONJ
cjfa-18794	309	11	a	a	DET
cjfa-18794	309	12	positive	positive	ADJ
cjfa-18794	309	13	association	association	NOUN
cjfa-18794	309	14	between	between	ADP
cjfa-18794	309	15	these	these	DET
cjfa-18794	309	16	variables	variable	NOUN
cjfa-18794	309	17	reported	report	VERB
cjfa-18794	309	18	by	by	ADP
cjfa-18794	309	19	some	some	DET
cjfa-18794	309	20	prior	prior	ADJ
cjfa-18794	309	21	studies	study	NOUN
cjfa-18794	309	22	might	might	AUX
cjfa-18794	309	23	in	in	ADP
cjfa-18794	309	24	fact	fact	NOUN
cjfa-18794	309	25	be	be	AUX
cjfa-18794	309	26	a	a	DET
cjfa-18794	309	27	country	country	NOUN
cjfa-18794	309	28	-	-	PUNCT
cjfa-18794	309	29	specific	specific	ADJ
cjfa-18794	309	30	phenomenon	phenomenon	NOUN
cjfa-18794	309	31	,	,	PUNCT
cjfa-18794	309	32	likely	likely	ADV
cjfa-18794	309	33	driven	drive	VERB
cjfa-18794	309	34	by	by	ADP
cjfa-18794	309	35	cultural	cultural	ADJ
cjfa-18794	309	36	factors	factor	NOUN
cjfa-18794	309	37	.	.	PUNCT
cjfa-18794	310	1	it	it	PRON
cjfa-18794	310	2	seems	seem	VERB
cjfa-18794	310	3	in	in	ADP
cjfa-18794	310	4	the	the	DET
cjfa-18794	310	5	cross	cross	NOUN
cjfa-18794	310	6	-	-	NOUN
cjfa-18794	310	7	section	section	NOUN
cjfa-18794	310	8	an	an	DET
cjfa-18794	310	9	overall	overall	ADJ
cjfa-18794	310	10	increase	increase	NOUN
cjfa-18794	310	11	in	in	ADP
cjfa-18794	310	12	household	household	NOUN
cjfa-18794	310	13	dti	dti	PROPN
cjfa-18794	310	14	ratio	ratio	NOUN
cjfa-18794	310	15	in	in	ADP
cjfa-18794	310	16	the	the	DET
cjfa-18794	310	17	long	long	ADJ
cjfa-18794	310	18	run	run	NOUN
cjfa-18794	310	19	occurs	occur	VERB
cjfa-18794	310	20	along	along	ADP
cjfa-18794	310	21	with	with	ADP
cjfa-18794	310	22	a	a	DET
cjfa-18794	310	23	simultaneous	simultaneous	ADJ
cjfa-18794	310	24	reduction	reduction	NOUN
cjfa-18794	310	25	in	in	ADP
cjfa-18794	310	26	income	income	NOUN
cjfa-18794	310	27	inequality	inequality	NOUN
cjfa-18794	310	28	.	.	PUNCT
cjfa-18794	311	1	it	it	PRON
cjfa-18794	311	2	is	be	AUX
cjfa-18794	311	3	also	also	ADV
cjfa-18794	311	4	possible	possible	ADJ
cjfa-18794	311	5	that	that	SCONJ
cjfa-18794	311	6	the	the	DET
cjfa-18794	311	7	relationship	relationship	NOUN
cjfa-18794	311	8	between	between	ADP
cjfa-18794	311	9	income	income	NOUN
cjfa-18794	311	10	inequality	inequality	NOUN
cjfa-18794	311	11	and	and	CCONJ
cjfa-18794	311	12	household	household	NOUN
cjfa-18794	311	13	indebtedness	indebtedness	NOUN
cjfa-18794	311	14	is	be	AUX
cjfa-18794	311	15	non	non	ADJ
cjfa-18794	311	16	-	-	ADJ
cjfa-18794	311	17	linear	linear	ADJ
cjfa-18794	311	18	,	,	PUNCT
cjfa-18794	311	19	being	be	AUX
cjfa-18794	311	20	negative	negative	ADJ
cjfa-18794	311	21	when	when	SCONJ
cjfa-18794	311	22	the	the	DET
cjfa-18794	311	23	distribution	distribution	NOUN
cjfa-18794	311	24	of	of	ADP
cjfa-18794	311	25	incomes	income	NOUN
cjfa-18794	311	26	is	be	AUX
cjfa-18794	311	27	more	more	ADV
cjfa-18794	311	28	equal	equal	ADJ
cjfa-18794	311	29	,	,	PUNCT
cjfa-18794	311	30	but	but	CCONJ
cjfa-18794	311	31	turning	turn	VERB
cjfa-18794	311	32	into	into	ADP
cjfa-18794	311	33	positive	positive	ADJ
cjfa-18794	311	34	when	when	SCONJ
cjfa-18794	311	35	the	the	DET
cjfa-18794	311	36	gap	gap	NOUN
cjfa-18794	311	37	between	between	ADP
cjfa-18794	311	38	poorer	poor	ADJ
cjfa-18794	311	39	and	and	CCONJ
cjfa-18794	311	40	richer	rich	ADJ
cjfa-18794	311	41	households	household	NOUN
cjfa-18794	311	42	begins	begin	VERB
cjfa-18794	311	43	to	to	PART
cjfa-18794	311	44	widen	widen	VERB
cjfa-18794	311	45	beyond	beyond	ADP
cjfa-18794	311	46	a	a	DET
cjfa-18794	311	47	certain	certain	ADJ
cjfa-18794	311	48	threshold	threshold	NOUN
cjfa-18794	311	49	.	.	PUNCT
cjfa-18794	312	1	finally	finally	ADV
cjfa-18794	312	2	,	,	PUNCT
cjfa-18794	312	3	the	the	DET
cjfa-18794	312	4	results	result	NOUN
cjfa-18794	312	5	of	of	ADP
cjfa-18794	312	6	the	the	DET
cjfa-18794	312	7	study	study	NOUN
cjfa-18794	312	8	suggest	suggest	VERB
cjfa-18794	312	9	that	that	SCONJ
cjfa-18794	312	10	some	some	PRON
cjfa-18794	312	11	of	of	ADP
cjfa-18794	312	12	the	the	DET
cjfa-18794	312	13	linkages	linkage	NOUN
cjfa-18794	312	14	between	between	ADP
cjfa-18794	312	15	the	the	DET
cjfa-18794	312	16	household	household	NOUN
cjfa-18794	312	17	dti	dti	PROPN
cjfa-18794	312	18	ratio	ratio	NOUN
cjfa-18794	312	19	and	and	CCONJ
cjfa-18794	312	20	its	its	PRON
cjfa-18794	312	21	determinants	determinant	NOUN
cjfa-18794	312	22	in	in	ADP
cjfa-18794	312	23	the	the	DET
cjfa-18794	312	24	examined	examine	VERB
cjfa-18794	312	25	countries	country	NOUN
cjfa-18794	312	26	could	could	AUX
cjfa-18794	312	27	likely	likely	ADV
cjfa-18794	312	28	become	become	AUX
cjfa-18794	312	29	distorted	distort	VERB
cjfa-18794	312	30	by	by	ADP
cjfa-18794	312	31	the	the	DET
cjfa-18794	312	32	impact	impact	NOUN
cjfa-18794	312	33	of	of	ADP
cjfa-18794	312	34	the	the	DET
cjfa-18794	312	35	recent	recent	ADJ
cjfa-18794	312	36	global	global	ADJ
cjfa-18794	312	37	financial	financial	ADJ
cjfa-18794	312	38	crisis	crisis	NOUN
cjfa-18794	312	39	.	.	PUNCT
cjfa-18794	313	1	therefore	therefore	ADV
cjfa-18794	313	2	,	,	PUNCT
cjfa-18794	313	3	the	the	DET
cjfa-18794	313	4	future	future	ADJ
cjfa-18794	313	5	research	research	NOUN
cjfa-18794	313	6	might	might	AUX
cjfa-18794	313	7	attempt	attempt	VERB
cjfa-18794	313	8	to	to	PART
cjfa-18794	313	9	explore	explore	VERB
cjfa-18794	313	10	these	these	DET
cjfa-18794	313	11	distortions	distortion	NOUN
cjfa-18794	313	12	in	in	ADP
cjfa-18794	313	13	detail	detail	NOUN
cjfa-18794	313	14	.	.	PUNCT
cjfa-18794	313	15	 	 	SPACE
cjfa-18794	314	1	references	reference	NOUN
cjfa-18794	314	2	anundsen	anundsen	VERB
cjfa-18794	314	3	,	,	PUNCT
cjfa-18794	314	4	a.k	a.k	PROPN
cjfa-18794	314	5	.	.	PROPN
cjfa-18794	314	6	,	,	PUNCT
cjfa-18794	314	7	&	&	CCONJ
cjfa-18794	314	8	jansen	jansen	PROPN
cjfa-18794	314	9	,	,	PUNCT
cjfa-18794	314	10	e.s	e.s	PROPN
cjfa-18794	314	11	.	.	PROPN
cjfa-18794	314	12	(	(	PUNCT
cjfa-18794	314	13	2013	2013	NUM
cjfa-18794	314	14	)	)	PUNCT
cjfa-18794	314	15	.	.	PUNCT
cjfa-18794	315	1	self	self	NOUN
cjfa-18794	315	2	-	-	PUNCT
cjfa-18794	315	3	reinforcing	reinforce	VERB
cjfa-18794	315	4	effects	effect	NOUN
cjfa-18794	315	5	between	between	ADP
cjfa-18794	315	6	housing	housing	NOUN
cjfa-18794	315	7	prices	price	NOUN
cjfa-18794	315	8	and	and	CCONJ
cjfa-18794	315	9	credit	credit	NOUN
cjfa-18794	315	10	.	.	PUNCT
cjfa-18794	316	1	journal	journal	NOUN
cjfa-18794	316	2	of	of	ADP
cjfa-18794	316	3	housing	housing	NOUN
cjfa-18794	316	4	economics	economic	NOUN
cjfa-18794	316	5	,	,	PUNCT
cjfa-18794	316	6	22(3	22(3	NUM
cjfa-18794	316	7	)	)	PUNCT
cjfa-18794	316	8	,	,	PUNCT
cjfa-18794	316	9	192–212	192–212	NUM
cjfa-18794	316	10	.	.	PUNCT
cjfa-18794	317	1	http://dx.doi	http://dx.doi	NOUN
cjfa-18794	317	2	.	.	PUNCT
cjfa-18794	318	1	org/10.1016	org/10.1016	PROPN
cjfa-18794	318	2	/	/	SYM
cjfa-18794	318	3	j.jhe.2013.07.001	j.jhe.2013.07.001	PROPN
cjfa-18794	318	4	.	.	PUNCT
cjfa-18794	319	1	barba	barba	NOUN
cjfa-18794	319	2	,	,	PUNCT
cjfa-18794	319	3	a.	a.	PROPN
cjfa-18794	319	4	,	,	PUNCT
cjfa-18794	319	5	&	&	CCONJ
cjfa-18794	319	6	pivetti	pivetti	PROPN
cjfa-18794	319	7	,	,	PUNCT
cjfa-18794	319	8	m.	m.	NOUN
cjfa-18794	319	9	(	(	PUNCT
cjfa-18794	319	10	2009	2009	NUM
cjfa-18794	319	11	)	)	PUNCT
cjfa-18794	319	12	.	.	PUNCT
cjfa-18794	320	1	rising	rise	VERB
cjfa-18794	320	2	household	household	NOUN
cjfa-18794	320	3	debt	debt	NOUN
cjfa-18794	320	4	:	:	PUNCT
cjfa-18794	320	5	its	its	PRON
cjfa-18794	320	6	causes	cause	NOUN
cjfa-18794	320	7	and	and	CCONJ
cjfa-18794	320	8	macroeconomic	macroeconomic	ADJ
cjfa-18794	320	9	implications	implication	NOUN
cjfa-18794	320	10	–	–	PUNCT
cjfa-18794	320	11	a	a	DET
cjfa-18794	320	12	long	long	ADJ
cjfa-18794	320	13	-	-	PUNCT
cjfa-18794	320	14	period	period	NOUN
cjfa-18794	320	15	analysis	analysis	NOUN
cjfa-18794	320	16	.	.	PUNCT
cjfa-18794	321	1	cambridge	cambridge	PROPN
cjfa-18794	321	2	journal	journal	PROPN
cjfa-18794	321	3	of	of	ADP
cjfa-18794	321	4	economics	economic	NOUN
cjfa-18794	321	5	,	,	PUNCT
cjfa-18794	321	6	33	33	NUM
cjfa-18794	321	7	,	,	PUNCT
cjfa-18794	321	8	113–137	113–137	NUM
cjfa-18794	321	9	.	.	PUNCT
cjfa-18794	322	1	bloxham	bloxham	PROPN
cjfa-18794	322	2	,	,	PUNCT
cjfa-18794	322	3	p.	p.	NOUN
cjfa-18794	322	4	,	,	PUNCT
cjfa-18794	322	5	&	&	CCONJ
cjfa-18794	322	6	kent	kent	PROPN
cjfa-18794	322	7	,	,	PUNCT
cjfa-18794	322	8	c.	c.	PROPN
cjfa-18794	322	9	(	(	PUNCT
cjfa-18794	322	10	2009	2009	NUM
cjfa-18794	322	11	)	)	PUNCT
cjfa-18794	322	12	.	.	PUNCT
cjfa-18794	323	1	household	household	NOUN
cjfa-18794	323	2	indebtedness	indebtedness	NOUN
cjfa-18794	323	3	.	.	PUNCT
cjfa-18794	324	1	the	the	DET
cjfa-18794	324	2	australian	australian	ADJ
cjfa-18794	324	3	economic	economic	ADJ
cjfa-18794	324	4	review	review	NOUN
cjfa-18794	324	5	,	,	PUNCT
cjfa-18794	324	6	42(3	42(3	NUM
cjfa-18794	324	7	)	)	PUNCT
cjfa-18794	324	8	,	,	PUNCT
cjfa-18794	324	9	327–339	327–339	NUM
cjfa-18794	324	10	.	.	PUNCT
cjfa-18794	325	1	bolibok	bolibok	PROPN
cjfa-18794	325	2	,	,	PUNCT
cjfa-18794	325	3	p.	p.	NOUN
cjfa-18794	325	4	(	(	PUNCT
cjfa-18794	325	5	2015	2015	NUM
cjfa-18794	325	6	)	)	PUNCT
cjfa-18794	325	7	.	.	PUNCT
cjfa-18794	326	1	an	an	DET
cjfa-18794	326	2	empirical	empirical	ADJ
cjfa-18794	326	3	evaluation	evaluation	NOUN
cjfa-18794	326	4	of	of	ADP
cjfa-18794	326	5	the	the	DET
cjfa-18794	326	6	demand	demand	NOUN
cjfa-18794	326	7	-	-	PUNCT
cjfa-18794	326	8	side	side	NOUN
cjfa-18794	326	9	drivers	driver	NOUN
cjfa-18794	326	10	of	of	ADP
cjfa-18794	326	11	household	household	NOUN
cjfa-18794	326	12	residential	residential	ADJ
cjfa-18794	326	13	debt	debt	NOUN
cjfa-18794	326	14	:	:	PUNCT
cjfa-18794	326	15	the	the	DET
cjfa-18794	326	16	case	case	NOUN
cjfa-18794	326	17	of	of	ADP
cjfa-18794	326	18	poland	poland	PROPN
cjfa-18794	326	19	.	.	PUNCT
cjfa-18794	327	1	finanse	finanse	PROPN
cjfa-18794	327	2	,	,	PUNCT
cjfa-18794	327	3	rynki	rynki	NOUN
cjfa-18794	327	4	finansowe	finansowe	PROPN
cjfa-18794	327	5	,	,	PUNCT
cjfa-18794	327	6	ubezpieczenia	ubezpieczenia	PROPN
cjfa-18794	327	7	,	,	PUNCT
cjfa-18794	327	8	(	(	PUNCT
cjfa-18794	327	9	finance	finance	NOUN
cjfa-18794	327	10	,	,	PUNCT
cjfa-18794	327	11	financial	financial	ADJ
cjfa-18794	327	12	markets	market	NOUN
cjfa-18794	327	13	,	,	PUNCT
cjfa-18794	327	14	insurance	insurance	NOUN
cjfa-18794	327	15	.	.	PUNCT
cjfa-18794	327	16	)	)	PUNCT
cjfa-18794	328	1	74(2	74(2	NUM
cjfa-18794	328	2	)	)	PUNCT
cjfa-18794	328	3	,	,	PUNCT
cjfa-18794	329	1	597–608	597–608	NUM
cjfa-18794	329	2	.	.	PUNCT
cjfa-18794	329	3	brown	brown	PROPN
cjfa-18794	329	4	,	,	PUNCT
cjfa-18794	329	5	s.	s.	PROPN
cjfa-18794	329	6	,	,	PUNCT
cjfa-18794	329	7	&	&	CCONJ
cjfa-18794	329	8	taylor	taylor	PROPN
cjfa-18794	329	9	,	,	PUNCT
cjfa-18794	329	10	k.	k.	PROPN
cjfa-18794	329	11	(	(	PUNCT
cjfa-18794	329	12	2008	2008	NUM
cjfa-18794	329	13	)	)	PUNCT
cjfa-18794	329	14	.	.	PUNCT
cjfa-18794	330	1	household	household	NOUN
cjfa-18794	330	2	debt	debt	NOUN
cjfa-18794	330	3	and	and	CCONJ
cjfa-18794	330	4	financial	financial	ADJ
cjfa-18794	330	5	assets	asset	NOUN
cjfa-18794	330	6	:	:	PUNCT
cjfa-18794	330	7	evidence	evidence	NOUN
cjfa-18794	330	8	from	from	ADP
cjfa-18794	330	9	germany	germany	PROPN
cjfa-18794	330	10	,	,	PUNCT
cjfa-18794	330	11	great	great	ADJ
cjfa-18794	330	12	britain	britain	PROPN
cjfa-18794	330	13	and	and	CCONJ
cjfa-18794	330	14	the	the	DET
cjfa-18794	330	15	us	us	PROPN
cjfa-18794	330	16	.	.	PUNCT
cjfa-18794	331	1	journal	journal	PROPN
cjfa-18794	331	2	of	of	ADP
cjfa-18794	331	3	the	the	DET
cjfa-18794	331	4	royal	royal	ADJ
cjfa-18794	331	5	statistical	statistical	ADJ
cjfa-18794	331	6	society	society	NOUN
cjfa-18794	331	7	:	:	PUNCT
cjfa-18794	331	8	series	series	PROPN
cjfa-18794	331	9	a	a	PROPN
cjfa-18794	331	10	(	(	PUNCT
cjfa-18794	331	11	statistics	statistic	NOUN
cjfa-18794	331	12	in	in	ADP
cjfa-18794	331	13	society	society	NOUN
cjfa-18794	331	14	)	)	PUNCT
cjfa-18794	331	15	,	,	PUNCT
cjfa-18794	331	16	171(3	171(3	NUM
cjfa-18794	331	17	)	)	PUNCT
cjfa-18794	331	18	,	,	PUNCT
cjfa-18794	331	19	615–643	615–643	NUM
cjfa-18794	331	20	.	.	PUNCT
cjfa-18794	332	1	http://dx.doi.org/10.1111/j.1467985x.2007.00531.x	http://dx.doi.org/10.1111/j.1467985x.2007.00531.x	X
cjfa-18794	332	2	.	.	PUNCT
cjfa-18794	333	1	piotr	piotr	PROPN
cjfa-18794	333	2	bolibok40	bolibok40	PROPN
cjfa-18794	333	3	dynan	dynan	PROPN
cjfa-18794	333	4	,	,	PUNCT
cjfa-18794	333	5	k.e	k.e	PROPN
cjfa-18794	333	6	.	.	PROPN
cjfa-18794	333	7	,	,	PUNCT
cjfa-18794	333	8	&	&	CCONJ
cjfa-18794	333	9	kohn	kohn	PROPN
cjfa-18794	333	10	,	,	PUNCT
cjfa-18794	333	11	d.l	d.l	PROPN
cjfa-18794	333	12	.	.	PROPN
cjfa-18794	333	13	(	(	PUNCT
cjfa-18794	333	14	2007	2007	NUM
cjfa-18794	333	15	)	)	PUNCT
cjfa-18794	333	16	.	.	PUNCT
cjfa-18794	334	1	the	the	DET
cjfa-18794	334	2	rise	rise	NOUN
cjfa-18794	334	3	in	in	ADP
cjfa-18794	334	4	u.s	u.s	PROPN
cjfa-18794	334	5	.	.	PROPN
cjfa-18794	334	6	household	household	NOUN
cjfa-18794	334	7	indebtedness	indebtedness	NOUN
cjfa-18794	334	8	:	:	PUNCT
cjfa-18794	334	9	causes	cause	NOUN
cjfa-18794	334	10	and	and	CCONJ
cjfa-18794	334	11	consequences	consequence	NOUN
cjfa-18794	334	12	.	.	PUNCT
cjfa-18794	335	1	feds	feds	PROPN
cjfa-18794	335	2	working	working	NOUN
cjfa-18794	335	3	paper	paper	NOUN
cjfa-18794	335	4	,	,	PUNCT
cjfa-18794	335	5	2007	2007	NUM
cjfa-18794	335	6	-	-	SYM
cjfa-18794	335	7	37	37	NUM
cjfa-18794	335	8	.	.	PUNCT
cjfa-18794	336	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	PUNCT
cjfa-18794	336	2	ssrn.1019052	ssrn.1019052	PROPN
cjfa-18794	336	3	.	.	PROPN
cjfa-18794	336	4	finocchiaro	finocchiaro	PROPN
cjfa-18794	336	5	,	,	PUNCT
cjfa-18794	336	6	d.	d.	PROPN
cjfa-18794	336	7	,	,	PUNCT
cjfa-18794	336	8	nilsson	nilsson	PROPN
cjfa-18794	336	9	,	,	PUNCT
cjfa-18794	336	10	c.	c.	PROPN
cjfa-18794	336	11	,	,	PUNCT
cjfa-18794	336	12	nyberg	nyberg	PROPN
cjfa-18794	336	13	,	,	PUNCT
cjfa-18794	336	14	d.	d.	PROPN
cjfa-18794	336	15	,	,	PUNCT
cjfa-18794	336	16	&	&	CCONJ
cjfa-18794	336	17	soultaneva	soultaneva	PROPN
cjfa-18794	336	18	,	,	PUNCT
cjfa-18794	336	19	a.	a.	NOUN
cjfa-18794	336	20	(	(	PUNCT
cjfa-18794	336	21	2011	2011	NUM
cjfa-18794	336	22	)	)	PUNCT
cjfa-18794	336	23	.	.	PUNCT
cjfa-18794	337	1	household	household	NOUN
cjfa-18794	337	2	indebtedness	indebtedness	NOUN
cjfa-18794	337	3	,	,	PUNCT
cjfa-18794	337	4	house	house	NOUN
cjfa-18794	337	5	prices	price	NOUN
cjfa-18794	337	6	and	and	CCONJ
cjfa-18794	337	7	the	the	DET
cjfa-18794	337	8	macroeconomy	macroeconomy	NOUN
cjfa-18794	337	9	:	:	PUNCT
cjfa-18794	337	10	a	a	DET
cjfa-18794	337	11	review	review	NOUN
cjfa-18794	337	12	of	of	ADP
cjfa-18794	337	13	the	the	DET
cjfa-18794	337	14	literature	literature	NOUN
cjfa-18794	337	15	.	.	PUNCT
cjfa-18794	338	1	sverige	sverige	PROPN
cjfa-18794	338	2	riksbank	riksbank	PROPN
cjfa-18794	338	3	economic	economic	PROPN
cjfa-18794	338	4	review	review	NOUN
cjfa-18794	338	5	,	,	PUNCT
cjfa-18794	338	6	1	1	NUM
cjfa-18794	338	7	,	,	PUNCT
cjfa-18794	338	8	6–28	6–28	NOUN
cjfa-18794	338	9	.	.	PUNCT
cjfa-18794	339	1	frank	frank	PROPN
cjfa-18794	339	2	,	,	PUNCT
cjfa-18794	339	3	r.h	r.h	PROPN
cjfa-18794	339	4	.	.	PROPN
cjfa-18794	339	5	,	,	PUNCT
cjfa-18794	339	6	levine	levine	PROPN
cjfa-18794	339	7	,	,	PUNCT
cjfa-18794	339	8	a.s	a.s	PROPN
cjfa-18794	339	9	.	.	PROPN
cjfa-18794	339	10	,	,	PUNCT
cjfa-18794	339	11	&	&	CCONJ
cjfa-18794	339	12	dijk	dijk	PROPN
cjfa-18794	339	13	,	,	PUNCT
cjfa-18794	339	14	o.	o.	PROPN
cjfa-18794	339	15	(	(	PUNCT
cjfa-18794	339	16	2014	2014	NUM
cjfa-18794	339	17	)	)	PUNCT
cjfa-18794	339	18	.	.	PUNCT
cjfa-18794	340	1	expenditure	expenditure	NOUN
cjfa-18794	340	2	cascades	cascade	NOUN
cjfa-18794	340	3	.	.	PUNCT
cjfa-18794	341	1	review	review	NOUN
cjfa-18794	341	2	of	of	ADP
cjfa-18794	341	3	behavioral	behavioral	ADJ
cjfa-18794	341	4	economics	economic	NOUN
cjfa-18794	341	5	,	,	PUNCT
cjfa-18794	341	6	1(1–2	1(1–2	X
cjfa-18794	341	7	)	)	PUNCT
cjfa-18794	341	8	,	,	PUNCT
cjfa-18794	341	9	55–73	55–73	NUM
cjfa-18794	341	10	.	.	PUNCT
cjfa-18794	342	1	http://dx.doi.org/10.1561/105.00000003	http://dx.doi.org/10.1561/105.00000003	PROPN
cjfa-18794	342	2	.	.	PROPN
cjfa-18794	342	3	gimeno	gimeno	PROPN
cjfa-18794	342	4	,	,	PUNCT
cjfa-18794	342	5	r.	r.	PROPN
cjfa-18794	342	6	,	,	PUNCT
cjfa-18794	342	7	&	&	CCONJ
cjfa-18794	342	8	martinez	martinez	PROPN
cjfa-18794	342	9	-	-	ADJ
cjfa-18794	342	10	carrascal	carrascal	ADJ
cjfa-18794	342	11	,	,	PUNCT
cjfa-18794	342	12	c.	c.	NOUN
cjfa-18794	342	13	(	(	PUNCT
cjfa-18794	342	14	2010	2010	NUM
cjfa-18794	342	15	)	)	PUNCT
cjfa-18794	342	16	.	.	PUNCT
cjfa-18794	343	1	the	the	DET
cjfa-18794	343	2	relationship	relationship	NOUN
cjfa-18794	343	3	between	between	ADP
cjfa-18794	343	4	house	house	NOUN
cjfa-18794	343	5	prices	price	NOUN
cjfa-18794	343	6	and	and	CCONJ
cjfa-18794	343	7	house	house	NOUN
cjfa-18794	343	8	purchase	purchase	NOUN
cjfa-18794	343	9	loans	loan	NOUN
cjfa-18794	343	10	:	:	PUNCT
cjfa-18794	343	11	the	the	DET
cjfa-18794	343	12	spanish	spanish	ADJ
cjfa-18794	343	13	case	case	NOUN
cjfa-18794	343	14	.	.	PUNCT
cjfa-18794	344	1	journal	journal	NOUN
cjfa-18794	344	2	of	of	ADP
cjfa-18794	344	3	banking	banking	NOUN
cjfa-18794	344	4	and	and	CCONJ
cjfa-18794	344	5	finance	finance	NOUN
cjfa-18794	344	6	,	,	PUNCT
cjfa-18794	344	7	34(8	34(8	NUM
cjfa-18794	344	8	)	)	PUNCT
cjfa-18794	344	9	,	,	PUNCT
cjfa-18794	344	10	1849–1855	1849–1855	NUM
cjfa-18794	344	11	.	.	PUNCT
cjfa-18794	345	1	http://dx.doi.org/10.1016/j.jbankfin.2009.12.011	http://dx.doi.org/10.1016/j.jbankfin.2009.12.011	PROPN
cjfa-18794	345	2	.	.	PUNCT
cjfa-18794	345	3	godley	godley	PROPN
cjfa-18794	345	4	,	,	PUNCT
cjfa-18794	345	5	w.	w.	PROPN
cjfa-18794	345	6	,	,	PUNCT
cjfa-18794	345	7	&	&	CCONJ
cjfa-18794	345	8	lavoie	lavoie	PROPN
cjfa-18794	345	9	,	,	PUNCT
cjfa-18794	345	10	m.	m.	NOUN
cjfa-18794	345	11	(	(	PUNCT
cjfa-18794	345	12	2007	2007	NUM
cjfa-18794	345	13	)	)	PUNCT
cjfa-18794	345	14	.	.	PUNCT
cjfa-18794	346	1	monetary	monetary	ADJ
cjfa-18794	346	2	economics	economic	NOUN
cjfa-18794	346	3	.	.	PUNCT
cjfa-18794	347	1	new	new	PROPN
cjfa-18794	347	2	york	york	PROPN
cjfa-18794	347	3	:	:	PUNCT
cjfa-18794	347	4	palgrave	palgrave	PROPN
cjfa-18794	347	5	macmillan	macmillan	PROPN
cjfa-18794	347	6	.	.	PUNCT
cjfa-18794	348	1	jacobsen	jacobsen	PROPN
cjfa-18794	348	2	,	,	PUNCT
cjfa-18794	348	3	d.h	d.h	PROPN
cjfa-18794	348	4	.	.	PROPN
cjfa-18794	348	5	(	(	PUNCT
cjfa-18794	348	6	2004	2004	NUM
cjfa-18794	348	7	)	)	PUNCT
cjfa-18794	348	8	.	.	PUNCT
cjfa-18794	349	1	what	what	PRON
cjfa-18794	349	2	influences	influence	VERB
cjfa-18794	349	3	the	the	DET
cjfa-18794	349	4	growth	growth	NOUN
cjfa-18794	349	5	of	of	ADP
cjfa-18794	349	6	household	household	NOUN
cjfa-18794	349	7	debt	debt	NOUN
cjfa-18794	349	8	?	?	PUNCT
cjfa-18794	350	1	norges	norge	NOUN
cjfa-18794	350	2	bank	bank	PROPN
cjfa-18794	350	3	economic	economic	ADJ
cjfa-18794	350	4	bulletin	bulletin	NOUN
cjfa-18794	350	5	,	,	PUNCT
cjfa-18794	350	6	q3	q3	PROPN
cjfa-18794	350	7	,	,	PUNCT
cjfa-18794	350	8	103–111	103–111	NUM
cjfa-18794	350	9	.	.	PUNCT
cjfa-18794	351	1	justiniano	justiniano	PROPN
cjfa-18794	351	2	,	,	PUNCT
cjfa-18794	351	3	a.	a.	NOUN
cjfa-18794	351	4	,	,	PUNCT
cjfa-18794	351	5	primiceri	primiceri	NOUN
cjfa-18794	351	6	,	,	PUNCT
cjfa-18794	351	7	g.e	g.e	PROPN
cjfa-18794	351	8	.	.	PROPN
cjfa-18794	351	9	,	,	PUNCT
cjfa-18794	351	10	&	&	CCONJ
cjfa-18794	351	11	tambalotti	tambalotti	PROPN
cjfa-18794	351	12	,	,	PUNCT
cjfa-18794	351	13	a.	a.	NOUN
cjfa-18794	351	14	(	(	PUNCT
cjfa-18794	351	15	2015	2015	NUM
cjfa-18794	351	16	)	)	PUNCT
cjfa-18794	351	17	.	.	PUNCT
cjfa-18794	352	1	credit	credit	NOUN
cjfa-18794	352	2	supply	supply	NOUN
cjfa-18794	352	3	and	and	CCONJ
cjfa-18794	352	4	the	the	DET
cjfa-18794	352	5	housing	housing	NOUN
cjfa-18794	352	6	boom	boom	NOUN
cjfa-18794	352	7	.	.	PUNCT
cjfa-18794	353	1	nber	nber	PROPN
cjfa-18794	353	2	working	working	PROPN
cjfa-18794	353	3	paper	paper	NOUN
cjfa-18794	353	4	,	,	PUNCT
cjfa-18794	353	5	20874	20874	NUM
cjfa-18794	353	6	.	.	PUNCT
cjfa-18794	354	1	http://dx.doi.org/10.3386/w20874	http://dx.doi.org/10.3386/w20874	INTJ
cjfa-18794	354	2	.	.	PUNCT
cjfa-18794	355	1	klein	klein	PROPN
cjfa-18794	355	2	,	,	PUNCT
cjfa-18794	355	3	m.	m.	NOUN
cjfa-18794	355	4	(	(	PUNCT
cjfa-18794	355	5	2015	2015	NUM
cjfa-18794	355	6	)	)	PUNCT
cjfa-18794	355	7	.	.	PUNCT
cjfa-18794	356	1	inequality	inequality	NOUN
cjfa-18794	356	2	and	and	CCONJ
cjfa-18794	356	3	household	household	NOUN
cjfa-18794	356	4	debt	debt	NOUN
cjfa-18794	356	5	:	:	PUNCT
cjfa-18794	356	6	a	a	DET
cjfa-18794	356	7	panel	panel	NOUN
cjfa-18794	356	8	cointegration	cointegration	NOUN
cjfa-18794	356	9	analysis	analysis	NOUN
cjfa-18794	356	10	.	.	PUNCT
cjfa-18794	357	1	empirica	empirica	PROPN
cjfa-18794	357	2	,	,	PUNCT
cjfa-18794	357	3	42	42	NUM
cjfa-18794	357	4	,	,	PUNCT
cjfa-18794	357	5	391–412	391–412	NUM
cjfa-18794	357	6	.	.	PUNCT
cjfa-18794	358	1	http://dx.doi.org/10.1007/s10663-015-9281-7	http://dx.doi.org/10.1007/s10663-015-9281-7	PROPN
cjfa-18794	358	2	.	.	PUNCT
cjfa-18794	358	3	leicht	leicht	PROPN
cjfa-18794	358	4	,	,	PUNCT
cjfa-18794	358	5	k.t	k.t	PROPN
cjfa-18794	358	6	.	.	PROPN
cjfa-18794	358	7	(	(	PUNCT
cjfa-18794	358	8	2012	2012	NUM
cjfa-18794	358	9	)	)	PUNCT
cjfa-18794	358	10	.	.	PUNCT
cjfa-18794	359	1	borrowing	borrow	VERB
cjfa-18794	359	2	to	to	ADP
cjfa-18794	359	3	the	the	DET
cjfa-18794	359	4	brink	brink	NOUN
cjfa-18794	359	5	.	.	PUNCT
cjfa-18794	360	1	consumer	consumer	NOUN
cjfa-18794	360	2	debt	debt	NOUN
cjfa-18794	360	3	in	in	ADP
cjfa-18794	360	4	america	america	PROPN
cjfa-18794	360	5	.	.	PUNCT
cjfa-18794	361	1	in	in	ADP
cjfa-18794	361	2	k.	k.	PROPN
cjfa-18794	361	3	porter	porter	PROPN
cjfa-18794	361	4	,	,	PUNCT
cjfa-18794	361	5	e.	e.	PROPN
cjfa-18794	361	6	warren	warren	PROPN
cjfa-18794	361	7	(	(	PUNCT
cjfa-18794	361	8	eds	eds	PROPN
cjfa-18794	361	9	.	.	PUNCT
cjfa-18794	361	10	)	)	PUNCT
cjfa-18794	361	11	.	.	PUNCT
cjfa-18794	362	1	broke	break	VERB
cjfa-18794	362	2	.	.	PUNCT
cjfa-18794	363	1	how	how	SCONJ
cjfa-18794	363	2	debt	debt	NOUN
cjfa-18794	363	3	bankrupts	bankrupt	VERB
cjfa-18794	363	4	the	the	DET
cjfa-18794	363	5	middle	middle	ADJ
cjfa-18794	363	6	class	class	NOUN
cjfa-18794	363	7	.	.	PUNCT
cjfa-18794	364	1	stanford	stanford	PROPN
cjfa-18794	364	2	:	:	PUNCT
cjfa-18794	364	3	stanford	stanford	PROPN
cjfa-18794	364	4	university	university	PROPN
cjfa-18794	364	5	press	press	NOUN
cjfa-18794	364	6	.	.	PUNCT
cjfa-18794	365	1	magri	magri	NOUN
cjfa-18794	365	2	,	,	PUNCT
cjfa-18794	365	3	s.	s.	PROPN
cjfa-18794	365	4	(	(	PUNCT
cjfa-18794	365	5	2007	2007	NUM
cjfa-18794	365	6	)	)	PUNCT
cjfa-18794	365	7	.	.	PUNCT
cjfa-18794	366	1	italian	italian	ADJ
cjfa-18794	366	2	households	household	NOUN
cjfa-18794	366	3	’	'	PUNCT
cjfa-18794	366	4	debt	debt	NOUN
cjfa-18794	366	5	:	:	PUNCT
cjfa-18794	366	6	the	the	DET
cjfa-18794	366	7	participation	participation	NOUN
cjfa-18794	366	8	to	to	ADP
cjfa-18794	366	9	the	the	DET
cjfa-18794	366	10	debt	debt	NOUN
cjfa-18794	366	11	market	market	NOUN
cjfa-18794	366	12	and	and	CCONJ
cjfa-18794	366	13	the	the	DET
cjfa-18794	366	14	size	size	NOUN
cjfa-18794	366	15	of	of	ADP
cjfa-18794	366	16	the	the	DET
cjfa-18794	366	17	loan	loan	NOUN
cjfa-18794	366	18	.	.	PUNCT
cjfa-18794	367	1	empirical	empirical	ADJ
cjfa-18794	367	2	economics	economic	NOUN
cjfa-18794	367	3	,	,	PUNCT
cjfa-18794	367	4	33	33	NUM
cjfa-18794	367	5	,	,	PUNCT
cjfa-18794	367	6	401–426	401–426	NUM
cjfa-18794	367	7	.	.	PUNCT
cjfa-18794	368	1	malinen	malinen	PROPN
cjfa-18794	368	2	,	,	PUNCT
cjfa-18794	368	3	t.	t.	PROPN
cjfa-18794	368	4	(	(	PUNCT
cjfa-18794	368	5	2016	2016	NUM
cjfa-18794	368	6	)	)	PUNCT
cjfa-18794	368	7	.	.	PUNCT
cjfa-18794	369	1	does	do	AUX
cjfa-18794	369	2	income	income	NOUN
cjfa-18794	369	3	inequality	inequality	NOUN
cjfa-18794	369	4	contribute	contribute	VERB
cjfa-18794	369	5	to	to	ADP
cjfa-18794	369	6	credit	credit	NOUN
cjfa-18794	369	7	cycles	cycle	NOUN
cjfa-18794	369	8	?	?	PUNCT
cjfa-18794	370	1	journal	journal	NOUN
cjfa-18794	370	2	of	of	ADP
cjfa-18794	370	3	economic	economic	ADJ
cjfa-18794	370	4	inequality	inequality	NOUN
cjfa-18794	370	5	,	,	PUNCT
cjfa-18794	370	6	14(3	14(3	NUM
cjfa-18794	370	7	)	)	PUNCT
cjfa-18794	370	8	,	,	PUNCT
cjfa-18794	370	9	309–325	309–325	NUM
cjfa-18794	370	10	.	.	PUNCT
cjfa-18794	371	1	http://dx.doi.og/10.1007/s10888-016-9334-6	http://dx.doi.og/10.1007/s10888-016-9334-6	PROPN
cjfa-18794	371	2	.	.	PUNCT
cjfa-18794	372	1	meng	meng	PROPN
cjfa-18794	372	2	,	,	PUNCT
cjfa-18794	372	3	s.	s.	PROPN
cjfa-18794	372	4	,	,	PUNCT
cjfa-18794	372	5	hoang	hoang	PROPN
cjfa-18794	372	6	,	,	PUNCT
cjfa-18794	372	7	n.t	n.t	PROPN
cjfa-18794	372	8	.	.	PROPN
cjfa-18794	372	9	,	,	PUNCT
cjfa-18794	372	10	&	&	CCONJ
cjfa-18794	372	11	siriwardana	siriwardana	PROPN
cjfa-18794	372	12	,	,	PUNCT
cjfa-18794	372	13	m.	m.	NOUN
cjfa-18794	372	14	(	(	PUNCT
cjfa-18794	372	15	2011	2011	NUM
cjfa-18794	372	16	)	)	PUNCT
cjfa-18794	372	17	.	.	PUNCT
cjfa-18794	373	1	the	the	DET
cjfa-18794	373	2	determinants	determinant	NOUN
cjfa-18794	373	3	of	of	ADP
cjfa-18794	373	4	australian	australian	ADJ
cjfa-18794	373	5	household	household	NOUN
cjfa-18794	373	6	debt	debt	NOUN
cjfa-18794	373	7	:	:	PUNCT
cjfa-18794	373	8	a	a	DET
cjfa-18794	373	9	macro	macro	ADJ
cjfa-18794	373	10	-	-	ADJ
cjfa-18794	373	11	level	level	ADJ
cjfa-18794	373	12	study	study	NOUN
cjfa-18794	373	13	.	.	PUNCT
cjfa-18794	374	1	working	work	VERB
cjfa-18794	374	2	papers	paper	NOUN
cjfa-18794	374	3	business	business	NOUN
cjfa-18794	374	4	,	,	PUNCT
cjfa-18794	374	5	economics	economic	NOUN
cjfa-18794	374	6	and	and	CCONJ
cjfa-18794	374	7	public	public	ADJ
cjfa-18794	374	8	policy	policy	NOUN
cjfa-18794	374	9	,	,	PUNCT
cjfa-18794	374	10	2011	2011	NUM
cjfa-18794	374	11	-	-	SYM
cjfa-18794	374	12	4	4	NUM
cjfa-18794	374	13	.	.	PUNCT
cjfa-18794	374	14	modigliani	modigliani	PROPN
cjfa-18794	374	15	,	,	PUNCT
cjfa-18794	374	16	f.	f.	PROPN
cjfa-18794	374	17	,	,	PUNCT
cjfa-18794	374	18	&	&	CCONJ
cjfa-18794	374	19	brumberg	brumberg	PROPN
cjfa-18794	374	20	,	,	PUNCT
cjfa-18794	374	21	r.	r.	PROPN
cjfa-18794	374	22	(	(	PUNCT
cjfa-18794	374	23	1954	1954	NUM
cjfa-18794	374	24	)	)	PUNCT
cjfa-18794	374	25	.	.	PUNCT
cjfa-18794	375	1	utility	utility	NOUN
cjfa-18794	375	2	analysis	analysis	NOUN
cjfa-18794	375	3	and	and	CCONJ
cjfa-18794	375	4	the	the	DET
cjfa-18794	375	5	consumption	consumption	NOUN
cjfa-18794	375	6	function	function	NOUN
cjfa-18794	375	7	:	:	PUNCT
cjfa-18794	375	8	an	an	DET
cjfa-18794	375	9	interpretation	interpretation	NOUN
cjfa-18794	375	10	of	of	ADP
cjfa-18794	375	11	cross	cross	ADJ
cjfa-18794	375	12	-	-	ADJ
cjfa-18794	375	13	section	section	ADJ
cjfa-18794	375	14	data	datum	NOUN
cjfa-18794	375	15	.	.	PUNCT
cjfa-18794	376	1	in	in	ADP
cjfa-18794	376	2	k.	k.	PROPN
cjfa-18794	376	3	kurihara	kurihara	PROPN
cjfa-18794	376	4	(	(	PUNCT
cjfa-18794	376	5	ed	ed	NOUN
cjfa-18794	376	6	.	.	PUNCT
cjfa-18794	376	7	)	)	PUNCT
cjfa-18794	376	8	.	.	PUNCT
cjfa-18794	377	1	post	post	VERB
cjfa-18794	377	2	keynesian	keynesian	ADJ
cjfa-18794	377	3	economics	economic	NOUN
cjfa-18794	377	4	.	.	PUNCT
cjfa-18794	378	1	new	new	PROPN
cjfa-18794	378	2	brunswick	brunswick	PROPN
cjfa-18794	378	3	:	:	PUNCT
cjfa-18794	378	4	rutgers	rutgers	PROPN
cjfa-18794	378	5	university	university	PROPN
cjfa-18794	378	6	press	press	NOUN
cjfa-18794	378	7	.	.	PUNCT
cjfa-18794	379	1	moore	moore	PROPN
cjfa-18794	379	2	,	,	PUNCT
cjfa-18794	379	3	g.l	g.l	PROPN
cjfa-18794	379	4	.	.	PROPN
cjfa-18794	379	5	,	,	PUNCT
cjfa-18794	379	6	&	&	CCONJ
cjfa-18794	379	7	stockhammer	stockhammer	PROPN
cjfa-18794	379	8	,	,	PUNCT
cjfa-18794	379	9	e.	e.	PROPN
cjfa-18794	379	10	(	(	PUNCT
cjfa-18794	379	11	2018	2018	NUM
cjfa-18794	379	12	)	)	PUNCT
cjfa-18794	379	13	.	.	PUNCT
cjfa-18794	380	1	the	the	DET
cjfa-18794	380	2	drivers	driver	NOUN
cjfa-18794	380	3	of	of	ADP
cjfa-18794	380	4	household	household	NOUN
cjfa-18794	380	5	indebtedness	indebtedness	NOUN
cjfa-18794	380	6	re	re	VERB
cjfa-18794	380	7	-	-	VERB
cjfa-18794	380	8	considered	consider	VERB
cjfa-18794	380	9	:	:	PUNCT
cjfa-18794	380	10	an	an	DET
cjfa-18794	380	11	empirical	empirical	ADJ
cjfa-18794	380	12	evaluation	evaluation	NOUN
cjfa-18794	380	13	of	of	ADP
cjfa-18794	380	14	competing	compete	VERB
cjfa-18794	380	15	arguments	argument	NOUN
cjfa-18794	380	16	on	on	ADP
cjfa-18794	380	17	the	the	DET
cjfa-18794	380	18	macroeconomic	macroeconomic	ADJ
cjfa-18794	380	19	determinants	determinant	NOUN
cjfa-18794	380	20	of	of	ADP
cjfa-18794	380	21	household	household	NOUN
cjfa-18794	380	22	indebtedness	indebtedness	NOUN
cjfa-18794	380	23	in	in	ADP
cjfa-18794	380	24	oecd	oecd	PROPN
cjfa-18794	380	25	countries	country	NOUN
cjfa-18794	380	26	.	.	PUNCT
cjfa-18794	381	1	working	work	VERB
cjfa-18794	381	2	papers	paper	NOUN
cjfa-18794	381	3	from	from	ADP
cjfa-18794	381	4	post	post	PROPN
cjfa-18794	381	5	keynesian	keynesian	ADJ
cjfa-18794	381	6	economics	economic	NOUN
cjfa-18794	381	7	society	society	NOUN
cjfa-18794	381	8	,	,	PUNCT
cjfa-18794	381	9	1803	1803	NUM
cjfa-18794	381	10	.	.	PUNCT
cjfa-18794	382	1	oecd	oecd	PROPN
cjfa-18794	382	2	(	(	PUNCT
cjfa-18794	382	3	2018	2018	NUM
cjfa-18794	382	4	)	)	PUNCT
cjfa-18794	382	5	.	.	PUNCT
cjfa-18794	383	1	oecd.stat	oecd.stat	PROPN
cjfa-18794	383	2	,	,	PUNCT
cjfa-18794	383	3	http://stats.oecd.org	http://stats.oecd.org	X
cjfa-18794	383	4	(	(	PUNCT
cjfa-18794	383	5	accessed	access	VERB
cjfa-18794	383	6	:	:	PUNCT
cjfa-18794	383	7	20.04.2018	20.04.2018	NOUN
cjfa-18794	383	8	)	)	PUNCT
cjfa-18794	383	9	.	.	PUNCT
cjfa-18794	384	1	oikarinen	oikarinen	PROPN
cjfa-18794	384	2	,	,	PUNCT
cjfa-18794	384	3	e.	e.	PROPN
cjfa-18794	384	4	(	(	PUNCT
cjfa-18794	384	5	2009	2009	NUM
cjfa-18794	384	6	)	)	PUNCT
cjfa-18794	384	7	.	.	PUNCT
cjfa-18794	385	1	interaction	interaction	NOUN
cjfa-18794	385	2	between	between	ADP
cjfa-18794	385	3	housing	housing	NOUN
cjfa-18794	385	4	prices	price	NOUN
cjfa-18794	385	5	and	and	CCONJ
cjfa-18794	385	6	household	household	NOUN
cjfa-18794	385	7	borrowing	borrowing	NOUN
cjfa-18794	385	8	:	:	PUNCT
cjfa-18794	385	9	the	the	DET
cjfa-18794	385	10	finnish	finnish	ADJ
cjfa-18794	385	11	case	case	NOUN
cjfa-18794	385	12	.	.	PUNCT
cjfa-18794	386	1	journal	journal	NOUN
cjfa-18794	386	2	of	of	ADP
cjfa-18794	386	3	banking	banking	NOUN
cjfa-18794	386	4	and	and	CCONJ
cjfa-18794	386	5	finance	finance	NOUN
cjfa-18794	386	6	,	,	PUNCT
cjfa-18794	386	7	33(4	33(4	NUM
cjfa-18794	386	8	)	)	PUNCT
cjfa-18794	386	9	,	,	PUNCT
cjfa-18794	387	1	747–756	747–756	PROPN
cjfa-18794	387	2	.	.	PUNCT
cjfa-18794	387	3	http://dx.doi	http://dx.doi	NOUN
cjfa-18794	387	4	.	.	PUNCT
cjfa-18794	388	1	org/10.1016	org/10.1016	PROPN
cjfa-18794	388	2	/	/	SYM
cjfa-18794	388	3	j.jbankfin.2008.11.004	j.jbankfin.2008.11.004	PROPN
cjfa-18794	388	4	.	.	PUNCT
cjfa-18794	388	5	rubaszek	rubaszek	PROPN
cjfa-18794	388	6	,	,	PUNCT
cjfa-18794	388	7	m.	m.	NOUN
cjfa-18794	388	8	,	,	PUNCT
cjfa-18794	388	9	&	&	CCONJ
cjfa-18794	388	10	serwa	serwa	PROPN
cjfa-18794	388	11	,	,	PUNCT
cjfa-18794	388	12	d.	d.	PROPN
cjfa-18794	388	13	(	(	PUNCT
cjfa-18794	388	14	2014	2014	NUM
cjfa-18794	388	15	)	)	PUNCT
cjfa-18794	388	16	.	.	PUNCT
cjfa-18794	389	1	determinants	determinant	NOUN
cjfa-18794	389	2	of	of	ADP
cjfa-18794	389	3	credit	credit	NOUN
cjfa-18794	389	4	to	to	ADP
cjfa-18794	389	5	households	household	NOUN
cjfa-18794	389	6	:	:	PUNCT
cjfa-18794	389	7	an	an	DET
cjfa-18794	389	8	approach	approach	NOUN
cjfa-18794	389	9	using	use	VERB
cjfa-18794	389	10	the	the	DET
cjfa-18794	389	11	life	life	NOUN
cjfa-18794	389	12	-	-	PUNCT
cjfa-18794	389	13	cycle	cycle	NOUN
cjfa-18794	389	14	model	model	NOUN
cjfa-18794	389	15	.	.	PUNCT
cjfa-18794	390	1	economic	economic	ADJ
cjfa-18794	390	2	systems	system	NOUN
cjfa-18794	390	3	,	,	PUNCT
cjfa-18794	390	4	38(4	38(4	NUM
cjfa-18794	390	5	)	)	PUNCT
cjfa-18794	390	6	,	,	PUNCT
cjfa-18794	390	7	572–587	572–587	NUM
cjfa-18794	390	8	.	.	PUNCT
cjfa-18794	390	9	http://dx.doi	http://dx.doi	NOUN
cjfa-18794	390	10	.	.	PUNCT
cjfa-18794	391	1	org/10.1016	org/10.1016	PROPN
cjfa-18794	391	2	/	/	SYM
cjfa-18794	391	3	j.ecosys.2014.05.004	j.ecosys.2014.05.004	PROPN
cjfa-18794	391	4	.	.	PUNCT
cjfa-18794	391	5	stockhammer	stockhammer	PROPN
cjfa-18794	391	6	,	,	PUNCT
cjfa-18794	391	7	e.	e.	PROPN
cjfa-18794	391	8	(	(	PUNCT
cjfa-18794	391	9	2015	2015	NUM
cjfa-18794	391	10	)	)	PUNCT
cjfa-18794	391	11	.	.	PUNCT
cjfa-18794	392	1	rising	rise	VERB
cjfa-18794	392	2	inequality	inequality	NOUN
cjfa-18794	392	3	as	as	ADP
cjfa-18794	392	4	a	a	DET
cjfa-18794	392	5	cause	cause	NOUN
cjfa-18794	392	6	of	of	ADP
cjfa-18794	392	7	the	the	DET
cjfa-18794	392	8	present	present	ADJ
cjfa-18794	392	9	crisis	crisis	NOUN
cjfa-18794	392	10	.	.	PUNCT
cjfa-18794	393	1	cambridge	cambridge	PROPN
cjfa-18794	393	2	journal	journal	PROPN
cjfa-18794	393	3	of	of	ADP
cjfa-18794	393	4	economics	economic	NOUN
cjfa-18794	393	5	,	,	PUNCT
cjfa-18794	393	6	39(3	39(3	NUM
cjfa-18794	393	7	)	)	PUNCT
cjfa-18794	393	8	,	,	PUNCT
cjfa-18794	393	9	935–958	935–958	NUM
cjfa-18794	393	10	.	.	PUNCT
cjfa-18794	394	1	http://dx.doi.org/10.1093/cje/bet052	http://dx.doi.org/10.1093/cje/bet052	PROPN
cjfa-18794	394	2	.	.	PUNCT
cjfa-18794	395	1	the	the	DET
cjfa-18794	395	2	macroeconomic	macroeconomic	ADJ
cjfa-18794	395	3	drivers	driver	NOUN
cjfa-18794	395	4	of	of	ADP
cjfa-18794	395	5	household	household	NOUN
cjfa-18794	395	6	debt	debt	NOUN
cjfa-18794	395	7	-	-	PUNCT
cjfa-18794	395	8	to	to	ADP
cjfa-18794	395	9	-	-	PUNCT
cjfa-18794	395	10	income	income	NOUN
cjfa-18794	395	11	ratio	ratio	NOUN
cjfa-18794	395	12	…	…	PUNCT
cjfa-18794	395	13	41	41	NUM
cjfa-18794	395	14	taylor	taylor	PROPN
cjfa-18794	395	15	,	,	PUNCT
cjfa-18794	395	16	j.b	j.b	PROPN
cjfa-18794	395	17	.	.	PUNCT
cjfa-18794	395	18	(	(	PUNCT
cjfa-18794	395	19	2009	2009	NUM
cjfa-18794	395	20	)	)	PUNCT
cjfa-18794	395	21	.	.	PUNCT
cjfa-18794	396	1	the	the	DET
cjfa-18794	396	2	financial	financial	ADJ
cjfa-18794	396	3	crisis	crisis	NOUN
cjfa-18794	396	4	and	and	CCONJ
cjfa-18794	396	5	the	the	DET
cjfa-18794	396	6	policy	policy	NOUN
cjfa-18794	396	7	responses	response	NOUN
cjfa-18794	396	8	:	:	PUNCT
cjfa-18794	396	9	an	an	DET
cjfa-18794	396	10	empirical	empirical	ADJ
cjfa-18794	396	11	analysis	analysis	NOUN
cjfa-18794	396	12	of	of	ADP
cjfa-18794	396	13	what	what	PRON
cjfa-18794	396	14	went	go	VERB
cjfa-18794	396	15	wrong	wrong	ADJ
cjfa-18794	396	16	.	.	PUNCT
cjfa-18794	397	1	nber	nber	PROPN
cjfa-18794	397	2	working	working	PROPN
cjfa-18794	397	3	paper	paper	NOUN
cjfa-18794	397	4	,	,	PUNCT
cjfa-18794	397	5	14631	14631	NUM
cjfa-18794	397	6	.	.	PUNCT
cjfa-18794	398	1	http://dx.doi.org/10.3386/	http://dx.doi.org/10.3386/	PUNCT
cjfa-18794	398	2	w14631	w14631	X
cjfa-18794	398	3	.	.	PUNCT
cjfa-18794	399	1	thaicharoen	thaicharoen	NOUN
cjfa-18794	399	2	,	,	PUNCT
cjfa-18794	399	3	v.	v.	ADV
cjfa-18794	399	4	,	,	PUNCT
cjfa-18794	399	5	ariyapruchya	ariyapruchya	PROPN
cjfa-18794	399	6	,	,	PUNCT
cjfa-18794	399	7	k.	k.	PROPN
cjfa-18794	399	8	,	,	PUNCT
cjfa-18794	399	9	&	&	CCONJ
cjfa-18794	399	10	chuched	chuche	VERB
cjfa-18794	399	11	,	,	PUNCT
cjfa-18794	399	12	t.	t.	PROPN
cjfa-18794	399	13	(	(	PUNCT
cjfa-18794	399	14	2004	2004	NUM
cjfa-18794	399	15	)	)	PUNCT
cjfa-18794	399	16	.	.	PUNCT
cjfa-18794	400	1	rising	rise	VERB
cjfa-18794	400	2	thai	thai	ADJ
cjfa-18794	400	3	household	household	NOUN
cjfa-18794	400	4	debt	debt	NOUN
cjfa-18794	400	5	:	:	PUNCT
cjfa-18794	400	6	assessing	assess	VERB
cjfa-18794	400	7	the	the	DET
cjfa-18794	400	8	risks	risk	NOUN
cjfa-18794	400	9	and	and	CCONJ
cjfa-18794	400	10	policy	policy	NOUN
cjfa-18794	400	11	implications	implication	NOUN
cjfa-18794	400	12	.	.	PUNCT
cjfa-18794	401	1	working	work	VERB
cjfa-18794	401	2	papers	paper	NOUN
cjfa-18794	401	3	from	from	ADP
cjfa-18794	401	4	monetary	monetary	ADJ
cjfa-18794	401	5	policy	policy	NOUN
cjfa-18794	401	6	group	group	NOUN
cjfa-18794	401	7	,	,	PUNCT
cjfa-18794	401	8	2004	2004	NUM
cjfa-18794	401	9	-	-	SYM
cjfa-18794	401	10	01	01	NUM
cjfa-18794	401	11	.	.	PUNCT
cjfa-18794	402	1	turinetti	turinetti	PROPN
cjfa-18794	402	2	,	,	PUNCT
cjfa-18794	402	3	e.	e.	PROPN
cjfa-18794	402	4	,	,	PUNCT
cjfa-18794	402	5	&	&	CCONJ
cjfa-18794	402	6	zhuang	zhuang	PROPN
cjfa-18794	402	7	,	,	PUNCT
cjfa-18794	402	8	h.	h.	PROPN
cjfa-18794	402	9	(	(	PUNCT
cjfa-18794	402	10	2011	2011	NUM
cjfa-18794	402	11	)	)	PUNCT
cjfa-18794	402	12	.	.	PUNCT
cjfa-18794	403	1	exploring	explore	VERB
cjfa-18794	403	2	determinants	determinant	NOUN
cjfa-18794	403	3	of	of	ADP
cjfa-18794	403	4	u.s	u.s	PROPN
cjfa-18794	403	5	.	.	PROPN
cjfa-18794	403	6	household	household	NOUN
cjfa-18794	403	7	debt	debt	NOUN
cjfa-18794	403	8	.	.	PUNCT
cjfa-18794	404	1	journal	journal	PROPN
cjfa-18794	404	2	of	of	ADP
cjfa-18794	404	3	applied	apply	VERB
cjfa-18794	404	4	business	business	NOUN
cjfa-18794	404	5	research	research	NOUN
cjfa-18794	404	6	,	,	PUNCT
cjfa-18794	404	7	27(6	27(6	NUM
cjfa-18794	404	8	)	)	PUNCT
cjfa-18794	404	9	,	,	PUNCT
cjfa-18794	404	10	85–91	85–91	NUM
cjfa-18794	404	11	.	.	PUNCT
cjfa-18794	404	12	http://dx.doi.org/10.19030/jabr	http://dx.doi.org/10.19030/jabr	X
cjfa-18794	404	13	.	.	PUNCT
cjfa-18794	405	1	v27i6.6468	v27i6.6468	PROPN
cjfa-18794	405	2	.	.	PUNCT
cjfa-18794	406	1	turk	turk	PROPN
cjfa-18794	406	2	,	,	PUNCT
cjfa-18794	406	3	r.	r.	PROPN
cjfa-18794	406	4	a.	a.	PROPN
cjfa-18794	406	5	(	(	PUNCT
cjfa-18794	406	6	2015	2015	NUM
cjfa-18794	406	7	)	)	PUNCT
cjfa-18794	406	8	.	.	PUNCT
cjfa-18794	407	1	housing	housing	NOUN
cjfa-18794	407	2	price	price	NOUN
cjfa-18794	407	3	and	and	CCONJ
cjfa-18794	407	4	household	household	NOUN
cjfa-18794	407	5	debt	debt	NOUN
cjfa-18794	407	6	interactions	interaction	NOUN
cjfa-18794	407	7	in	in	ADP
cjfa-18794	407	8	sweden	sweden	PROPN
cjfa-18794	407	9	.	.	PUNCT
cjfa-18794	408	1	imf	imf	PROPN
cjfa-18794	408	2	working	working	PROPN
cjfa-18794	408	3	paper	paper	NOUN
cjfa-18794	408	4	,	,	PUNCT
cjfa-18794	408	5	15/276	15/276	NUM
cjfa-18794	408	6	.	.	PUNCT
cjfa-18794	409	1	http://dx.doi.org/10.5089/9781513586205.001	http://dx.doi.org/10.5089/9781513586205.001	PROPN
cjfa-18794	409	2	.	.	PUNCT
cjfa-18794	410	1	united	united	PROPN
cjfa-18794	410	2	nations	nations	PROPN
cjfa-18794	410	3	(	(	PUNCT
cjfa-18794	410	4	2017	2017	NUM
cjfa-18794	410	5	)	)	PUNCT
cjfa-18794	410	6	.	.	PUNCT
cjfa-18794	411	1	world	world	NOUN
cjfa-18794	411	2	population	population	NOUN
cjfa-18794	411	3	prospects	prospect	NOUN
cjfa-18794	411	4	,	,	PUNCT
cjfa-18794	411	5	http://esa.un.org/unpd/wpp	http://esa.un.org/unpd/wpp	PROPN
cjfa-18794	411	6	(	(	PUNCT
cjfa-18794	411	7	accessed	access	VERB
cjfa-18794	411	8	:	:	PUNCT
cjfa-18794	411	9	20.04.2018	20.04.2018	NOUN
cjfa-18794	411	10	)	)	PUNCT
cjfa-18794	411	11	.	.	PUNCT
cjfa-18794	412	1	zinman	zinman	PROPN
cjfa-18794	412	2	,	,	PUNCT
cjfa-18794	412	3	j.	j.	PROPN
cjfa-18794	412	4	(	(	PUNCT
cjfa-18794	412	5	2014	2014	NUM
cjfa-18794	412	6	)	)	PUNCT
cjfa-18794	412	7	.	.	PUNCT
cjfa-18794	413	1	household	household	NOUN
cjfa-18794	413	2	debt	debt	NOUN
cjfa-18794	413	3	:	:	PUNCT
cjfa-18794	413	4	facts	fact	NOUN
cjfa-18794	413	5	,	,	PUNCT
cjfa-18794	413	6	puzzles	puzzle	NOUN
cjfa-18794	413	7	,	,	PUNCT
cjfa-18794	413	8	theories	theory	NOUN
cjfa-18794	413	9	,	,	PUNCT
cjfa-18794	413	10	and	and	CCONJ
cjfa-18794	413	11	policies	policy	NOUN
cjfa-18794	413	12	.	.	PUNCT
cjfa-18794	414	1	nber	nber	PROPN
cjfa-18794	414	2	working	working	PROPN
cjfa-18794	414	3	paper	paper	NOUN
cjfa-18794	414	4	,	,	PUNCT
cjfa-18794	414	5	20496	20496	NUM
cjfa-18794	414	6	.	.	PUNCT
cjfa-18794	415	1	http://dx.doi.org/10.3386/w20496	http://dx.doi.org/10.3386/w20496	NOUN
cjfa-18794	415	2	.	.	PUNCT