id	sid	tid	token	lemma	pos
cjfa-20424	1	1	copernican	copernican	PROPN
cjfa-20424	1	2	journal	journal	PROPN
cjfa-20424	1	3	of	of	ADP
cjfa-20424	1	4	finance	finance	PROPN
cjfa-20424	1	5	&	&	CCONJ
cjfa-20424	1	6	accounting	accounting	PROPN
cjfa-20424	1	7	e	e	PROPN
cjfa-20424	1	8	-	-	PROPN
cjfa-20424	1	9	issn	issn	PROPN
cjfa-20424	1	10	2300	2300	NUM
cjfa-20424	1	11	-	-	SYM
cjfa-20424	1	12	3065	3065	NUM
cjfa-20424	1	13	p	p	PROPN
cjfa-20424	1	14	-	-	PUNCT
cjfa-20424	1	15	issn	issn	PROPN
cjfa-20424	1	16	2300	2300	NUM
cjfa-20424	1	17	-	-	SYM
cjfa-20424	1	18	12402018	12402018	NUM
cjfa-20424	1	19	,	,	PUNCT
cjfa-20424	1	20	volume	volume	NOUN
cjfa-20424	1	21	7	7	NUM
cjfa-20424	1	22	,	,	PUNCT
cjfa-20424	1	23	issue	issue	NOUN
cjfa-20424	1	24	4	4	NUM
cjfa-20424	1	25	date	date	NOUN
cjfa-20424	1	26	of	of	ADP
cjfa-20424	1	27	submission	submission	NOUN
cjfa-20424	1	28	:	:	PUNCT
cjfa-20424	1	29	march	march	PROPN
cjfa-20424	1	30	7	7	NUM
cjfa-20424	1	31	,	,	PUNCT
cjfa-20424	1	32	2019	2019	NUM
cjfa-20424	1	33	;	;	PUNCT
cjfa-20424	1	34	date	date	NOUN
cjfa-20424	1	35	of	of	ADP
cjfa-20424	1	36	acceptance	acceptance	NOUN
cjfa-20424	1	37	:	:	PUNCT
cjfa-20424	1	38	april	april	PROPN
cjfa-20424	1	39	26	26	NUM
cjfa-20424	1	40	,	,	PUNCT
cjfa-20424	1	41	2019	2019	NUM
cjfa-20424	1	42	.	.	PUNCT
cjfa-20424	2	1	*	*	PUNCT
cjfa-20424	2	2	contact	contact	NOUN
cjfa-20424	2	3	information	information	NOUN
cjfa-20424	2	4	:	:	PUNCT
cjfa-20424	2	5	502989@doktorant.umk.pl	502989@doktorant.umk.pl	NUM
cjfa-20424	2	6	,	,	PUNCT
cjfa-20424	2	7	nicolaus	nicolaus	PROPN
cjfa-20424	2	8	copernicus	copernicus	PROPN
cjfa-20424	2	9	university	university	PROPN
cjfa-20424	2	10	in	in	ADP
cjfa-20424	2	11	toruń	toruń	PROPN
cjfa-20424	2	12	,	,	PUNCT
cjfa-20424	2	13	gagarina	gagarina	NOUN
cjfa-20424	2	14	13a	13a	NOUN
cjfa-20424	2	15	,	,	PUNCT
cjfa-20424	2	16	87	87	NUM
cjfa-20424	2	17	-	-	SYM
cjfa-20424	2	18	100	100	NUM
cjfa-20424	2	19	toruń	toruń	NOUN
cjfa-20424	2	20	,	,	PUNCT
cjfa-20424	2	21	poland	poland	PROPN
cjfa-20424	2	22	,	,	PUNCT
cjfa-20424	2	23	phone	phone	NOUN
cjfa-20424	2	24	:	:	PUNCT
cjfa-20424	2	25	+48	+48	NUM
cjfa-20424	2	26	56	56	NUM
cjfa-20424	2	27	611	611	NUM
cjfa-20424	2	28	46	46	NUM
cjfa-20424	2	29	34	34	NUM
cjfa-20424	2	30	;	;	PUNCT
cjfa-20424	2	31	orcid	orcid	PROPN
cjfa-20424	3	1	i	i	NOUN
cjfa-20424	3	2	d	d	NOUN
cjfa-20424	3	3	:	:	PUNCT
cjfa-20424	3	4	https://orcid.org/0000-0003-1791-7512	https://orcid.org/0000-0003-1791-7512	PROPN
cjfa-20424	3	5	.	.	PUNCT
cjfa-20424	4	1	kwiatkowska	kwiatkowska	PROPN
cjfa-20424	4	2	,	,	PUNCT
cjfa-20424	4	3	j.	j.	PROPN
cjfa-20424	4	4	(	(	PUNCT
cjfa-20424	4	5	2018	2018	NUM
cjfa-20424	4	6	)	)	PUNCT
cjfa-20424	4	7	.	.	PUNCT
cjfa-20424	5	1	cross	cross	ADJ
cjfa-20424	5	2	-	-	ADJ
cjfa-20424	5	3	selling	selling	NOUN
cjfa-20424	5	4	and	and	CCONJ
cjfa-20424	5	5	up	up	ADV
cjfa-20424	5	6	-	-	PUNCT
cjfa-20424	5	7	selling	selling	NOUN
cjfa-20424	5	8	in	in	ADP
cjfa-20424	5	9	a	a	DET
cjfa-20424	5	10	bank	bank	NOUN
cjfa-20424	5	11	.	.	PUNCT
cjfa-20424	6	1	copernican	copernican	PROPN
cjfa-20424	6	2	journal	journal	PROPN
cjfa-20424	6	3	of	of	ADP
cjfa-20424	6	4	finance	finance	PROPN
cjfa-20424	6	5	&	&	CCONJ
cjfa-20424	6	6	accounting	account	VERB
cjfa-20424	6	7	7(4	7(4	NUM
cjfa-20424	6	8	)	)	PUNCT
cjfa-20424	6	9	,	,	PUNCT
cjfa-20424	6	10	59–70	59–70	NUM
cjfa-20424	6	11	.	.	PUNCT
cjfa-20424	7	1	http://dx.doi.org/10.12775/cjfa.2018.020	http://dx.doi.org/10.12775/cjfa.2018.020	PROPN
cjfa-20424	7	2	julia	julia	PROPN
cjfa-20424	7	3	kwiatkowska	kwiatkowska	PROPN
cjfa-20424	7	4	*	*	PROPN
cjfa-20424	7	5	nicolaus	nicolaus	PROPN
cjfa-20424	7	6	copernicus	copernicus	PROPN
cjfa-20424	7	7	university	university	PROPN
cjfa-20424	7	8	in	in	ADP
cjfa-20424	7	9	toruń	toruń	NOUN
cjfa-20424	7	10	cross	cross	ADJ
cjfa-20424	7	11	-	-	ADJ
cjfa-20424	7	12	selling	selling	ADJ
cjfa-20424	7	13	and	and	CCONJ
cjfa-20424	7	14	up	up	ADV
cjfa-20424	7	15	-	-	PUNCT
cjfa-20424	7	16	selling	selling	NOUN
cjfa-20424	7	17	in	in	ADP
cjfa-20424	7	18	a	a	DET
cjfa-20424	7	19	bank	bank	NOUN
cjfa-20424	7	20	keywords	keyword	NOUN
cjfa-20424	7	21	:	:	PUNCT
cjfa-20424	7	22	cross	cross	NOUN
cjfa-20424	7	23	selling	selling	NOUN
cjfa-20424	7	24	,	,	PUNCT
cjfa-20424	7	25	up	up	ADV
cjfa-20424	7	26	selling	selling	NOUN
cjfa-20424	7	27	,	,	PUNCT
cjfa-20424	7	28	unethical	unethical	ADJ
cjfa-20424	7	29	sale	sale	NOUN
cjfa-20424	7	30	.	.	PUNCT
cjfa-20424	8	1	j	j	PROPN
cjfa-20424	8	2	e	e	PROPN
cjfa-20424	8	3	l	l	PROPN
cjfa-20424	8	4	classification	classification	NOUN
cjfa-20424	8	5	:	:	PUNCT
cjfa-20424	8	6	g21	g21	PROPN
cjfa-20424	8	7	,	,	PUNCT
cjfa-20424	8	8	g40	g40	PROPN
cjfa-20424	8	9	,	,	PUNCT
cjfa-20424	8	10	k4	k4	PROPN
cjfa-20424	8	11	.	.	PUNCT
cjfa-20424	9	1	abstract	abstract	ADJ
cjfa-20424	9	2	:	:	PUNCT
cjfa-20424	9	3	increasing	increase	VERB
cjfa-20424	9	4	competition	competition	NOUN
cjfa-20424	9	5	on	on	ADP
cjfa-20424	9	6	the	the	DET
cjfa-20424	9	7	banking	banking	NOUN
cjfa-20424	9	8	market	market	NOUN
cjfa-20424	9	9	,	,	PUNCT
cjfa-20424	9	10	as	as	ADV
cjfa-20424	9	11	well	well	ADV
cjfa-20424	9	12	as	as	ADP
cjfa-20424	9	13	the	the	DET
cjfa-20424	9	14	desire	desire	NOUN
cjfa-20424	9	15	to	to	PART
cjfa-20424	9	16	achieve	achieve	VERB
cjfa-20424	9	17	maximum	maximum	ADJ
cjfa-20424	9	18	profits	profit	NOUN
cjfa-20424	9	19	,	,	PUNCT
cjfa-20424	9	20	means	mean	VERB
cjfa-20424	9	21	that	that	SCONJ
cjfa-20424	9	22	banks	bank	NOUN
cjfa-20424	9	23	are	be	AUX
cjfa-20424	9	24	increasingly	increasingly	ADV
cjfa-20424	9	25	looking	look	VERB
cjfa-20424	9	26	for	for	ADP
cjfa-20424	9	27	methods	method	NOUN
cjfa-20424	9	28	that	that	PRON
cjfa-20424	9	29	will	will	AUX
cjfa-20424	9	30	allow	allow	VERB
cjfa-20424	9	31	them	they	PRON
cjfa-20424	9	32	to	to	PART
cjfa-20424	9	33	increase	increase	VERB
cjfa-20424	9	34	sales	sale	NOUN
cjfa-20424	9	35	.	.	PUNCT
cjfa-20424	10	1	one	one	NUM
cjfa-20424	10	2	of	of	ADP
cjfa-20424	10	3	them	they	PRON
cjfa-20424	10	4	turned	turn	VERB
cjfa-20424	10	5	out	out	ADP
cjfa-20424	10	6	to	to	PART
cjfa-20424	10	7	be	be	AUX
cjfa-20424	10	8	sales	sale	NOUN
cjfa-20424	10	9	techniques	technique	NOUN
cjfa-20424	10	10	such	such	ADJ
cjfa-20424	10	11	as	as	ADP
cjfa-20424	10	12	cross	cross	NOUN
cjfa-20424	10	13	selling	selling	NOUN
cjfa-20424	10	14	and	and	CCONJ
cjfa-20424	10	15	up	up	ADP
cjfa-20424	10	16	selling	selling	NOUN
cjfa-20424	10	17	,	,	PUNCT
cjfa-20424	10	18	which	which	PRON
cjfa-20424	10	19	undoubtedly	undoubtedly	ADV
cjfa-20424	10	20	increase	increase	VERB
cjfa-20424	10	21	the	the	DET
cjfa-20424	10	22	bank	bank	NOUN
cjfa-20424	10	23	’s	’s	PART
cjfa-20424	10	24	profit	profit	NOUN
cjfa-20424	10	25	.	.	PUNCT
cjfa-20424	11	1	in	in	ADP
cjfa-20424	11	2	addition	addition	NOUN
cjfa-20424	11	3	,	,	PUNCT
cjfa-20424	11	4	cross	cross	ADJ
cjfa-20424	11	5	-	-	ADJ
cjfa-20424	11	6	selling	selling	NOUN
cjfa-20424	11	7	contributes	contribute	VERB
cjfa-20424	11	8	to	to	ADP
cjfa-20424	11	9	building	build	VERB
cjfa-20424	11	10	a	a	DET
cjfa-20424	11	11	larger	large	ADJ
cjfa-20424	11	12	product	product	NOUN
cjfa-20424	11	13	portfolio	portfolio	NOUN
cjfa-20424	11	14	of	of	ADP
cjfa-20424	11	15	the	the	DET
cjfa-20424	11	16	client	client	NOUN
cjfa-20424	11	17	,	,	PUNCT
cjfa-20424	11	18	which	which	PRON
cjfa-20424	11	19	binds	bind	VERB
cjfa-20424	11	20	it	it	PRON
cjfa-20424	11	21	more	more	ADV
cjfa-20424	11	22	strongly	strongly	ADV
cjfa-20424	11	23	to	to	ADP
cjfa-20424	11	24	the	the	DET
cjfa-20424	11	25	bank	bank	NOUN
cjfa-20424	11	26	and	and	CCONJ
cjfa-20424	11	27	minimizes	minimize	VERB
cjfa-20424	11	28	the	the	DET
cjfa-20424	11	29	risk	risk	NOUN
cjfa-20424	11	30	of	of	ADP
cjfa-20424	11	31	the	the	DET
cjfa-20424	11	32	customer	customer	NOUN
cjfa-20424	11	33	moving	move	VERB
cjfa-20424	11	34	to	to	ADP
cjfa-20424	11	35	a	a	DET
cjfa-20424	11	36	competitive	competitive	ADJ
cjfa-20424	11	37	entity	entity	NOUN
cjfa-20424	11	38	.	.	PUNCT
cjfa-20424	12	1	however	however	ADV
cjfa-20424	12	2	,	,	PUNCT
cjfa-20424	12	3	the	the	DET
cjfa-20424	12	4	use	use	NOUN
cjfa-20424	12	5	of	of	ADP
cjfa-20424	12	6	these	these	DET
cjfa-20424	12	7	sales	sale	NOUN
cjfa-20424	12	8	techniques	technique	NOUN
cjfa-20424	12	9	also	also	ADV
cjfa-20424	12	10	entails	entail	VERB
cjfa-20424	12	11	risks	risk	NOUN
cjfa-20424	12	12	.	.	PUNCT
cjfa-20424	13	1	one	one	NUM
cjfa-20424	13	2	of	of	ADP
cjfa-20424	13	3	them	they	PRON
cjfa-20424	13	4	is	be	AUX
cjfa-20424	13	5	the	the	DET
cjfa-20424	13	6	loss	loss	NOUN
cjfa-20424	13	7	of	of	ADP
cjfa-20424	13	8	a	a	DET
cjfa-20424	13	9	good	good	ADJ
cjfa-20424	13	10	image	image	NOUN
cjfa-20424	13	11	.	.	PUNCT
cjfa-20424	14	1	the	the	DET
cjfa-20424	14	2	aim	aim	NOUN
cjfa-20424	14	3	of	of	ADP
cjfa-20424	14	4	the	the	DET
cjfa-20424	14	5	article	article	NOUN
cjfa-20424	14	6	is	be	AUX
cjfa-20424	14	7	to	to	PART
cjfa-20424	14	8	present	present	VERB
cjfa-20424	14	9	the	the	DET
cjfa-20424	14	10	results	result	NOUN
cjfa-20424	14	11	of	of	ADP
cjfa-20424	14	12	an	an	DET
cjfa-20424	14	13	own	own	ADJ
cjfa-20424	14	14	study	study	NOUN
cjfa-20424	14	15	on	on	ADP
cjfa-20424	14	16	the	the	DET
cjfa-20424	14	17	use	use	NOUN
cjfa-20424	14	18	of	of	ADP
cjfa-20424	14	19	cross	cross	ADJ
cjfa-20424	14	20	-	-	ADJ
cjfa-20424	14	21	selling	selling	ADJ
cjfa-20424	14	22	and	and	CCONJ
cjfa-20424	14	23	up	up	ADV
cjfa-20424	14	24	-	-	PUNCT
cjfa-20424	14	25	selling	selling	NOUN
cjfa-20424	14	26	by	by	ADP
cjfa-20424	14	27	banks	bank	NOUN
cjfa-20424	14	28	and	and	CCONJ
cjfa-20424	14	29	influence	influence	NOUN
cjfa-20424	14	30	on	on	ADP
cjfa-20424	14	31	their	their	PRON
cjfa-20424	14	32	image	image	NOUN
cjfa-20424	14	33	.	.	PUNCT
cjfa-20424	15	1	additionally	additionally	ADV
cjfa-20424	15	2	,	,	PUNCT
cjfa-20424	15	3	the	the	DET
cjfa-20424	15	4	article	article	NOUN
cjfa-20424	15	5	presents	present	VERB
cjfa-20424	15	6	the	the	DET
cjfa-20424	15	7	essence	essence	NOUN
cjfa-20424	15	8	and	and	CCONJ
cjfa-20424	15	9	way	way	NOUN
cjfa-20424	15	10	of	of	ADP
cjfa-20424	15	11	functioning	function	VERB
cjfa-20424	15	12	of	of	ADP
cjfa-20424	15	13	cross	cross	ADJ
cjfa-20424	15	14	-	-	ADJ
cjfa-20424	15	15	selling	selling	ADJ
cjfa-20424	15	16	and	and	CCONJ
cjfa-20424	15	17	up	up	ADP
cjfa-20424	15	18	-	-	PUNCT
cjfa-20424	15	19	selling	selling	NOUN
cjfa-20424	15	20	,	,	PUNCT
cjfa-20424	15	21	which	which	PRON
cjfa-20424	15	22	are	be	AUX
cjfa-20424	15	23	used	use	VERB
cjfa-20424	15	24	by	by	ADP
cjfa-20424	15	25	financial	financial	ADJ
cjfa-20424	15	26	institutions	institution	NOUN
cjfa-20424	15	27	in	in	ADP
cjfa-20424	15	28	the	the	DET
cjfa-20424	15	29	pursuit	pursuit	NOUN
cjfa-20424	15	30	of	of	ADP
cjfa-20424	15	31	profit	profit	NOUN
cjfa-20424	15	32	maximization	maximization	NOUN
cjfa-20424	15	33	.	.	PUNCT
cjfa-20424	16	1	the	the	DET
cjfa-20424	16	2	results	result	NOUN
cjfa-20424	16	3	of	of	ADP
cjfa-20424	16	4	the	the	DET
cjfa-20424	16	5	study	study	NOUN
cjfa-20424	16	6	confirmed	confirm	VERB
cjfa-20424	16	7	that	that	SCONJ
cjfa-20424	16	8	the	the	DET
cjfa-20424	16	9	results	result	NOUN
cjfa-20424	16	10	of	of	ADP
cjfa-20424	16	11	the	the	DET
cjfa-20424	16	12	application	application	NOUN
cjfa-20424	16	13	of	of	ADP
cjfa-20424	16	14	these	these	DET
cjfa-20424	16	15	sales	sale	NOUN
cjfa-20424	16	16	techniques	technique	NOUN
cjfa-20424	16	17	turns	turn	VERB
cjfa-20424	16	18	out	out	ADP
cjfa-20424	16	19	to	to	PART
cjfa-20424	16	20	have	have	VERB
cjfa-20424	16	21	a	a	DET
cjfa-20424	16	22	negative	negative	ADJ
cjfa-20424	16	23	impact	impact	NOUN
cjfa-20424	16	24	on	on	ADP
cjfa-20424	16	25	the	the	DET
cjfa-20424	16	26	customer	customer	NOUN
cjfa-20424	16	27	’s	’s	PART
cjfa-20424	16	28	perception	perception	NOUN
cjfa-20424	16	29	of	of	ADP
cjfa-20424	16	30	the	the	DET
cjfa-20424	16	31	bank	bank	NOUN
cjfa-20424	16	32	.	.	PUNCT
cjfa-20424	17	1	both	both	DET
cjfa-20424	17	2	cross	cross	ADJ
cjfa-20424	17	3	-	-	ADJ
cjfa-20424	17	4	selling	selling	ADJ
cjfa-20424	17	5	and	and	CCONJ
cjfa-20424	17	6	up	up	ADV
cjfa-20424	17	7	-	-	PUNCT
cjfa-20424	17	8	selling	selling	NOUN
cjfa-20424	17	9	contribute	contribute	NOUN
cjfa-20424	17	10	to	to	ADP
cjfa-20424	17	11	the	the	DET
cjfa-20424	17	12	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	17	13	of	of	ADP
cjfa-20424	17	14	customers	customer	NOUN
cjfa-20424	17	15	,	,	PUNCT
cjfa-20424	17	16	which	which	PRON
cjfa-20424	17	17	often	often	ADV
cjfa-20424	17	18	leads	lead	VERB
cjfa-20424	17	19	to	to	ADP
cjfa-20424	17	20	the	the	DET
cjfa-20424	17	21	loss	loss	NOUN
cjfa-20424	17	22	of	of	ADP
cjfa-20424	17	23	their	their	PRON
cjfa-20424	17	24	part	part	NOUN
cjfa-20424	17	25	in	in	ADP
cjfa-20424	17	26	favor	favor	NOUN
cjfa-20424	17	27	of	of	ADP
cjfa-20424	17	28	a	a	DET
cjfa-20424	17	29	competitive	competitive	ADJ
cjfa-20424	17	30	bank	bank	NOUN
cjfa-20424	17	31	.	.	PUNCT
cjfa-20424	18	1	in	in	ADP
cjfa-20424	18	2	addition	addition	NOUN
cjfa-20424	18	3	,	,	PUNCT
cjfa-20424	18	4	the	the	DET
cjfa-20424	18	5	negative	negative	ADJ
cjfa-20424	18	6	perception	perception	NOUN
cjfa-20424	18	7	of	of	ADP
cjfa-20424	18	8	the	the	DET
cjfa-20424	18	9	bank	bank	NOUN
cjfa-20424	18	10	undermines	undermine	VERB
cjfa-20424	18	11	its	its	PRON
cjfa-20424	18	12	image	image	NOUN
cjfa-20424	18	13	,	,	PUNCT
cjfa-20424	18	14	which	which	PRON
cjfa-20424	18	15	is	be	AUX
cjfa-20424	18	16	an	an	DET
cjfa-20424	18	17	important	important	ADJ
cjfa-20424	18	18	element	element	NOUN
cjfa-20424	18	19	in	in	ADP
cjfa-20424	18	20	such	such	DET
cjfa-20424	18	21	a	a	DET
cjfa-20424	18	22	strong	strong	ADJ
cjfa-20424	18	23	competition	competition	NOUN
cjfa-20424	18	24	.	.	PUNCT
cjfa-20424	19	1	julia	julia	PROPN
cjfa-20424	19	2	kwiatkowska60	kwiatkowska60	PROPN
cjfa-20424	19	3	 	 	SPACE
cjfa-20424	19	4	introduction	introduction	NOUN
cjfa-20424	19	5	the	the	DET
cjfa-20424	19	6	goal	goal	NOUN
cjfa-20424	19	7	of	of	ADP
cjfa-20424	19	8	financial	financial	ADJ
cjfa-20424	19	9	institutions	institution	NOUN
cjfa-20424	19	10	is	be	AUX
cjfa-20424	19	11	to	to	PART
cjfa-20424	19	12	achieve	achieve	VERB
cjfa-20424	19	13	the	the	DET
cjfa-20424	19	14	greatest	great	ADJ
cjfa-20424	19	15	financial	financial	ADJ
cjfa-20424	19	16	performance	performance	NOUN
cjfa-20424	19	17	.	.	PUNCT
cjfa-20424	20	1	banks	bank	NOUN
cjfa-20424	20	2	and	and	CCONJ
cjfa-20424	20	3	loan	loan	NOUN
cjfa-20424	20	4	companies	company	NOUN
cjfa-20424	20	5	,	,	PUNCT
cjfa-20424	20	6	insurance	insurance	NOUN
cjfa-20424	20	7	companies	company	NOUN
cjfa-20424	20	8	and	and	CCONJ
cjfa-20424	20	9	financial	financial	ADJ
cjfa-20424	20	10	intermediaries	intermediary	NOUN
cjfa-20424	20	11	are	be	AUX
cjfa-20424	20	12	focused	focus	VERB
cjfa-20424	20	13	on	on	ADP
cjfa-20424	20	14	generating	generate	VERB
cjfa-20424	20	15	profit	profit	NOUN
cjfa-20424	20	16	.	.	PUNCT
cjfa-20424	21	1	there	there	PRON
cjfa-20424	21	2	are	be	VERB
cjfa-20424	21	3	many	many	ADJ
cjfa-20424	21	4	banks	bank	NOUN
cjfa-20424	21	5	on	on	ADP
cjfa-20424	21	6	the	the	DET
cjfa-20424	21	7	polish	polish	ADJ
cjfa-20424	21	8	financial	financial	ADJ
cjfa-20424	21	9	market	market	NOUN
cjfa-20424	21	10	,	,	PUNCT
cjfa-20424	21	11	which	which	PRON
cjfa-20424	21	12	results	result	VERB
cjfa-20424	21	13	in	in	ADP
cjfa-20424	21	14	strong	strong	ADJ
cjfa-20424	21	15	competition	competition	NOUN
cjfa-20424	21	16	between	between	ADP
cjfa-20424	21	17	them	they	PRON
cjfa-20424	21	18	.	.	PUNCT
cjfa-20424	22	1	the	the	DET
cjfa-20424	22	2	situation	situation	NOUN
cjfa-20424	22	3	is	be	AUX
cjfa-20424	22	4	also	also	ADV
cjfa-20424	22	5	not	not	PART
cjfa-20424	22	6	facilitated	facilitate	VERB
cjfa-20424	22	7	by	by	ADP
cjfa-20424	22	8	the	the	DET
cjfa-20424	22	9	fact	fact	NOUN
cjfa-20424	22	10	that	that	SCONJ
cjfa-20424	22	11	they	they	PRON
cjfa-20424	22	12	deal	deal	VERB
cjfa-20424	22	13	with	with	ADP
cjfa-20424	22	14	the	the	DET
cjfa-20424	22	15	distribution	distribution	NOUN
cjfa-20424	22	16	of	of	ADP
cjfa-20424	22	17	the	the	DET
cjfa-20424	22	18	same	same	ADJ
cjfa-20424	22	19	products	product	NOUN
cjfa-20424	22	20	that	that	PRON
cjfa-20424	22	21	differ	differ	VERB
cjfa-20424	22	22	only	only	ADV
cjfa-20424	22	23	by	by	ADP
cjfa-20424	22	24	individual	individual	ADJ
cjfa-20424	22	25	parameters	parameter	NOUN
cjfa-20424	22	26	.	.	PUNCT
cjfa-20424	23	1	in	in	ADP
cjfa-20424	23	2	connection	connection	NOUN
cjfa-20424	23	3	with	with	ADP
cjfa-20424	23	4	the	the	DET
cjfa-20424	23	5	above	above	ADJ
cjfa-20424	23	6	,	,	PUNCT
cjfa-20424	23	7	financial	financial	ADJ
cjfa-20424	23	8	institutions	institution	NOUN
cjfa-20424	23	9	are	be	AUX
cjfa-20424	23	10	looking	look	VERB
cjfa-20424	23	11	for	for	ADP
cjfa-20424	23	12	solutions	solution	NOUN
cjfa-20424	23	13	that	that	PRON
cjfa-20424	23	14	will	will	AUX
cjfa-20424	23	15	enable	enable	VERB
cjfa-20424	23	16	them	they	PRON
cjfa-20424	23	17	to	to	PART
cjfa-20424	23	18	achieve	achieve	VERB
cjfa-20424	23	19	their	their	PRON
cjfa-20424	23	20	intended	intend	VERB
cjfa-20424	23	21	results	result	NOUN
cjfa-20424	23	22	and	and	CCONJ
cjfa-20424	23	23	maintain	maintain	VERB
cjfa-20424	23	24	a	a	DET
cjfa-20424	23	25	competitive	competitive	ADJ
cjfa-20424	23	26	position	position	NOUN
cjfa-20424	23	27	on	on	ADP
cjfa-20424	23	28	the	the	DET
cjfa-20424	23	29	market	market	NOUN
cjfa-20424	23	30	.	.	PUNCT
cjfa-20424	24	1	in	in	ADP
cjfa-20424	24	2	addition	addition	NOUN
cjfa-20424	24	3	to	to	ADP
cjfa-20424	24	4	traditional	traditional	ADJ
cjfa-20424	24	5	activities	activity	NOUN
cjfa-20424	24	6	,	,	PUNCT
cjfa-20424	24	7	which	which	PRON
cjfa-20424	24	8	include	include	VERB
cjfa-20424	24	9	training	training	NOUN
cjfa-20424	24	10	of	of	ADP
cjfa-20424	24	11	employees	employee	NOUN
cjfa-20424	24	12	,	,	PUNCT
cjfa-20424	24	13	improving	improve	VERB
cjfa-20424	24	14	products	product	NOUN
cjfa-20424	24	15	,	,	PUNCT
cjfa-20424	24	16	taking	take	VERB
cjfa-20424	24	17	care	care	NOUN
cjfa-20424	24	18	of	of	ADP
cjfa-20424	24	19	the	the	DET
cjfa-20424	24	20	image	image	NOUN
cjfa-20424	24	21	and	and	CCONJ
cjfa-20424	24	22	a	a	DET
cjfa-20424	24	23	wide	wide	ADJ
cjfa-20424	24	24	range	range	NOUN
cjfa-20424	24	25	of	of	ADP
cjfa-20424	24	26	advertising	advertising	NOUN
cjfa-20424	24	27	,	,	PUNCT
cjfa-20424	24	28	there	there	PRON
cjfa-20424	24	29	are	be	VERB
cjfa-20424	24	30	variety	variety	NOUN
cjfa-20424	24	31	of	of	ADP
cjfa-20424	24	32	modern	modern	ADJ
cjfa-20424	24	33	sales	sale	NOUN
cjfa-20424	24	34	techniques	technique	NOUN
cjfa-20424	24	35	.	.	PUNCT
cjfa-20424	25	1	these	these	DET
cjfa-20424	25	2	techniques	technique	NOUN
cjfa-20424	25	3	include	include	VERB
cjfa-20424	25	4	cross	cross	NOUN
cjfa-20424	25	5	selling	selling	NOUN
cjfa-20424	25	6	and	and	CCONJ
cjfa-20424	25	7	up	up	ADP
cjfa-20424	25	8	selling	selling	NOUN
cjfa-20424	25	9	,	,	PUNCT
cjfa-20424	25	10	which	which	PRON
cjfa-20424	25	11	allow	allow	VERB
cjfa-20424	25	12	them	they	PRON
cjfa-20424	25	13	to	to	PART
cjfa-20424	25	14	maximize	maximize	VERB
cjfa-20424	25	15	profit	profit	NOUN
cjfa-20424	25	16	from	from	ADP
cjfa-20424	25	17	one	one	NUM
cjfa-20424	25	18	customer	customer	NOUN
cjfa-20424	25	19	.	.	PUNCT
cjfa-20424	26	1	historically	historically	ADV
cjfa-20424	26	2	,	,	PUNCT
cjfa-20424	26	3	financial	financial	ADJ
cjfa-20424	26	4	institutions	institution	NOUN
cjfa-20424	26	5	were	be	AUX
cjfa-20424	26	6	focused	focus	VERB
cjfa-20424	26	7	on	on	ADP
cjfa-20424	26	8	acquiring	acquire	VERB
cjfa-20424	26	9	new	new	ADJ
cjfa-20424	26	10	clients	client	NOUN
cjfa-20424	26	11	.	.	PUNCT
cjfa-20424	27	1	currently	currently	ADV
cjfa-20424	27	2	,	,	PUNCT
cjfa-20424	27	3	it	it	PRON
cjfa-20424	27	4	is	be	AUX
cjfa-20424	27	5	more	more	ADV
cjfa-20424	27	6	important	important	ADJ
cjfa-20424	27	7	for	for	SCONJ
cjfa-20424	27	8	them	they	PRON
cjfa-20424	27	9	to	to	PART
cjfa-20424	27	10	keep	keep	VERB
cjfa-20424	27	11	existing	exist	VERB
cjfa-20424	27	12	customers	customer	NOUN
cjfa-20424	27	13	and	and	CCONJ
cjfa-20424	27	14	enrich	enrich	VERB
cjfa-20424	27	15	their	their	PRON
cjfa-20424	27	16	with	with	ADP
cjfa-20424	27	17	new	new	ADJ
cjfa-20424	27	18	products	product	NOUN
cjfa-20424	27	19	.	.	PUNCT
cjfa-20424	28	1	the	the	DET
cjfa-20424	28	2	aim	aim	NOUN
cjfa-20424	28	3	of	of	ADP
cjfa-20424	28	4	this	this	DET
cjfa-20424	28	5	action	action	NOUN
cjfa-20424	28	6	is	be	AUX
cjfa-20424	28	7	not	not	PART
cjfa-20424	28	8	only	only	ADV
cjfa-20424	28	9	to	to	PART
cjfa-20424	28	10	provide	provide	VERB
cjfa-20424	28	11	a	a	DET
cjfa-20424	28	12	strong	strong	ADJ
cjfa-20424	28	13	relationship	relationship	NOUN
cjfa-20424	28	14	that	that	PRON
cjfa-20424	28	15	will	will	AUX
cjfa-20424	28	16	bind	bind	VERB
cjfa-20424	28	17	the	the	DET
cjfa-20424	28	18	client	client	NOUN
cjfa-20424	28	19	to	to	ADP
cjfa-20424	28	20	the	the	DET
cjfa-20424	28	21	institution	institution	NOUN
cjfa-20424	28	22	,	,	PUNCT
cjfa-20424	28	23	but	but	CCONJ
cjfa-20424	28	24	also	also	ADV
cjfa-20424	28	25	to	to	PART
cjfa-20424	28	26	maximize	maximize	VERB
cjfa-20424	28	27	profit	profit	NOUN
cjfa-20424	28	28	.	.	PUNCT
cjfa-20424	29	1	it	it	PRON
cjfa-20424	29	2	results	result	VERB
cjfa-20424	29	3	mainly	mainly	ADV
cjfa-20424	29	4	from	from	ADP
cjfa-20424	29	5	increased	increase	VERB
cjfa-20424	29	6	sales	sale	NOUN
cjfa-20424	29	7	of	of	ADP
cjfa-20424	29	8	products	product	NOUN
cjfa-20424	29	9	and	and	CCONJ
cjfa-20424	29	10	low	low	ADJ
cjfa-20424	29	11	costs	cost	NOUN
cjfa-20424	29	12	of	of	ADP
cjfa-20424	29	13	acquiring	acquire	VERB
cjfa-20424	29	14	new	new	ADJ
cjfa-20424	29	15	customers	customer	NOUN
cjfa-20424	29	16	.	.	PUNCT
cjfa-20424	30	1	the	the	DET
cjfa-20424	30	2	research	research	NOUN
cjfa-20424	30	3	methodology	methodology	NOUN
cjfa-20424	30	4	and	and	CCONJ
cjfa-20424	30	5	the	the	DET
cjfa-20424	30	6	course	course	NOUN
cjfa-20424	30	7	of	of	ADP
cjfa-20424	30	8	the	the	DET
cjfa-20424	30	9	research	research	NOUN
cjfa-20424	30	10	process	process	NOUN
cjfa-20424	30	11	the	the	DET
cjfa-20424	30	12	aim	aim	NOUN
cjfa-20424	30	13	of	of	ADP
cjfa-20424	30	14	the	the	DET
cjfa-20424	30	15	article	article	NOUN
cjfa-20424	30	16	is	be	AUX
cjfa-20424	30	17	to	to	PART
cjfa-20424	30	18	present	present	VERB
cjfa-20424	30	19	the	the	DET
cjfa-20424	30	20	results	result	NOUN
cjfa-20424	30	21	of	of	ADP
cjfa-20424	30	22	the	the	DET
cjfa-20424	30	23	own	own	ADJ
cjfa-20424	30	24	study	study	NOUN
cjfa-20424	30	25	on	on	ADP
cjfa-20424	30	26	the	the	DET
cjfa-20424	30	27	use	use	NOUN
cjfa-20424	30	28	of	of	ADP
cjfa-20424	30	29	cross	cross	ADJ
cjfa-20424	30	30	-	-	ADJ
cjfa-20424	30	31	selling	selling	ADJ
cjfa-20424	30	32	and	and	CCONJ
cjfa-20424	30	33	up	up	ADV
cjfa-20424	30	34	-	-	PUNCT
cjfa-20424	30	35	selling	selling	NOUN
cjfa-20424	30	36	by	by	ADP
cjfa-20424	30	37	banks	bank	NOUN
cjfa-20424	30	38	and	and	CCONJ
cjfa-20424	30	39	influence	influence	NOUN
cjfa-20424	30	40	on	on	ADP
cjfa-20424	30	41	their	their	PRON
cjfa-20424	30	42	image	image	NOUN
cjfa-20424	30	43	.	.	PUNCT
cjfa-20424	31	1	it	it	PRON
cjfa-20424	31	2	is	be	AUX
cjfa-20424	31	3	worth	worth	ADJ
cjfa-20424	31	4	stressing	stress	VERB
cjfa-20424	31	5	that	that	SCONJ
cjfa-20424	31	6	this	this	PRON
cjfa-20424	31	7	is	be	AUX
cjfa-20424	31	8	the	the	DET
cjfa-20424	31	9	first	first	ADJ
cjfa-20424	31	10	study	study	NOUN
cjfa-20424	31	11	on	on	ADP
cjfa-20424	31	12	the	the	DET
cjfa-20424	31	13	use	use	NOUN
cjfa-20424	31	14	of	of	ADP
cjfa-20424	31	15	cross	cross	ADJ
cjfa-20424	31	16	-	-	ADJ
cjfa-20424	31	17	selling	selling	ADJ
cjfa-20424	31	18	and	and	CCONJ
cjfa-20424	31	19	up	up	ADV
cjfa-20424	31	20	-	-	PUNCT
cjfa-20424	31	21	selling	selling	NOUN
cjfa-20424	31	22	by	by	ADP
cjfa-20424	31	23	banks	bank	NOUN
cjfa-20424	31	24	.	.	PUNCT
cjfa-20424	32	1	the	the	DET
cjfa-20424	32	2	question	question	NOUN
cjfa-20424	32	3	of	of	ADP
cjfa-20424	32	4	how	how	SCONJ
cjfa-20424	32	5	the	the	DET
cjfa-20424	32	6	use	use	NOUN
cjfa-20424	32	7	of	of	ADP
cjfa-20424	32	8	these	these	DET
cjfa-20424	32	9	techniques	technique	NOUN
cjfa-20424	32	10	affects	affect	VERB
cjfa-20424	32	11	the	the	DET
cjfa-20424	32	12	bank	bank	NOUN
cjfa-20424	32	13	’s	’s	PART
cjfa-20424	32	14	perception	perception	NOUN
cjfa-20424	32	15	and	and	CCONJ
cjfa-20424	32	16	what	what	PRON
cjfa-20424	32	17	customers	customer	NOUN
cjfa-20424	32	18	think	think	VERB
cjfa-20424	32	19	about	about	ADP
cjfa-20424	32	20	them	they	PRON
cjfa-20424	32	21	has	have	AUX
cjfa-20424	32	22	never	never	ADV
cjfa-20424	32	23	been	be	AUX
cjfa-20424	32	24	discussed	discuss	VERB
cjfa-20424	32	25	before	before	ADV
cjfa-20424	32	26	.	.	PUNCT
cjfa-20424	33	1	this	this	PRON
cjfa-20424	33	2	is	be	AUX
cjfa-20424	33	3	a	a	DET
cjfa-20424	33	4	high	high	ADJ
cjfa-20424	33	5	value	value	NOUN
cjfa-20424	33	6	of	of	ADP
cjfa-20424	33	7	the	the	DET
cjfa-20424	33	8	study	study	NOUN
cjfa-20424	33	9	,	,	PUNCT
cjfa-20424	33	10	and	and	CCONJ
cjfa-20424	33	11	the	the	DET
cjfa-20424	33	12	results	result	NOUN
cjfa-20424	33	13	allow	allow	VERB
cjfa-20424	33	14	us	we	PRON
cjfa-20424	33	15	to	to	PART
cjfa-20424	33	16	draw	draw	VERB
cjfa-20424	33	17	conclusions	conclusion	NOUN
cjfa-20424	33	18	regarding	regard	VERB
cjfa-20424	33	19	certain	certain	ADJ
cjfa-20424	33	20	trends	trend	NOUN
cjfa-20424	33	21	and	and	CCONJ
cjfa-20424	33	22	opinions	opinion	NOUN
cjfa-20424	33	23	among	among	ADP
cjfa-20424	33	24	bank	bank	NOUN
cjfa-20424	33	25	clients	client	NOUN
cjfa-20424	33	26	.	.	PUNCT
cjfa-20424	34	1	this	this	DET
cjfa-20424	34	2	study	study	NOUN
cjfa-20424	34	3	was	be	AUX
cjfa-20424	34	4	conducted	conduct	VERB
cjfa-20424	34	5	in	in	ADP
cjfa-20424	34	6	april	april	PROPN
cjfa-20424	34	7	2018	2018	NUM
cjfa-20424	34	8	using	use	VERB
cjfa-20424	34	9	an	an	DET
cjfa-20424	34	10	online	online	ADJ
cjfa-20424	34	11	questionnaire	questionnaire	NOUN
cjfa-20424	34	12	.	.	PUNCT
cjfa-20424	35	1	it	it	PRON
cjfa-20424	35	2	was	be	AUX
cjfa-20424	35	3	addressed	address	VERB
cjfa-20424	35	4	to	to	ADP
cjfa-20424	35	5	people	people	NOUN
cjfa-20424	35	6	who	who	PRON
cjfa-20424	35	7	were	be	AUX
cjfa-20424	35	8	or	or	CCONJ
cjfa-20424	35	9	are	be	AUX
cjfa-20424	35	10	currently	currently	ADV
cjfa-20424	35	11	customers	customer	NOUN
cjfa-20424	35	12	of	of	ADP
cjfa-20424	35	13	at	at	ADV
cjfa-20424	35	14	least	least	ADV
cjfa-20424	35	15	one	one	NUM
cjfa-20424	35	16	bank	bank	NOUN
cjfa-20424	35	17	.	.	PUNCT
cjfa-20424	36	1	the	the	DET
cjfa-20424	36	2	questionnaire	questionnaire	NOUN
cjfa-20424	36	3	consisted	consist	VERB
cjfa-20424	36	4	of	of	ADP
cjfa-20424	36	5	a	a	DET
cjfa-20424	36	6	statement	statement	NOUN
cjfa-20424	36	7	allowing	allow	VERB
cjfa-20424	36	8	to	to	PART
cjfa-20424	36	9	determine	determine	VERB
cjfa-20424	36	10	gender	gender	NOUN
cjfa-20424	36	11	,	,	PUNCT
cjfa-20424	36	12	age	age	NOUN
cjfa-20424	36	13	,	,	PUNCT
cjfa-20424	36	14	education	education	NOUN
cjfa-20424	36	15	and	and	CCONJ
cjfa-20424	36	16	place	place	NOUN
cjfa-20424	36	17	of	of	ADP
cjfa-20424	36	18	residence	residence	NOUN
cjfa-20424	36	19	of	of	ADP
cjfa-20424	36	20	respondents	respondent	NOUN
cjfa-20424	36	21	,	,	PUNCT
cjfa-20424	36	22	as	as	ADV
cjfa-20424	36	23	well	well	ADV
cjfa-20424	36	24	as	as	ADP
cjfa-20424	36	25	24	24	NUM
cjfa-20424	36	26	closed	closed	ADJ
cjfa-20424	36	27	questions	question	NOUN
cjfa-20424	36	28	.	.	PUNCT
cjfa-20424	37	1	the	the	DET
cjfa-20424	37	2	main	main	ADJ
cjfa-20424	37	3	objective	objective	NOUN
cjfa-20424	37	4	of	of	ADP
cjfa-20424	37	5	the	the	DET
cjfa-20424	37	6	study	study	NOUN
cjfa-20424	37	7	was	be	AUX
cjfa-20424	37	8	to	to	PART
cjfa-20424	37	9	investigate	investigate	VERB
cjfa-20424	37	10	whether	whether	SCONJ
cjfa-20424	37	11	the	the	DET
cjfa-20424	37	12	use	use	NOUN
cjfa-20424	37	13	of	of	ADP
cjfa-20424	37	14	cross	cross	ADJ
cjfa-20424	37	15	-	-	ADJ
cjfa-20424	37	16	selling	selling	ADJ
cjfa-20424	37	17	and	and	CCONJ
cjfa-20424	37	18	up	up	ADV
cjfa-20424	37	19	-	-	PUNCT
cjfa-20424	37	20	selling	selling	NOUN
cjfa-20424	37	21	influences	influence	NOUN
cjfa-20424	37	22	the	the	DET
cjfa-20424	37	23	perception	perception	NOUN
cjfa-20424	37	24	of	of	ADP
cjfa-20424	37	25	bank	bank	NOUN
cjfa-20424	37	26	by	by	ADP
cjfa-20424	37	27	its	its	PRON
cjfa-20424	37	28	customers	customer	NOUN
cjfa-20424	37	29	.	.	PUNCT
cjfa-20424	38	1	addition	addition	NOUN
cjfa-20424	38	2	cross	cross	ADJ
cjfa-20424	38	3	-	-	ADJ
cjfa-20424	38	4	selling	selling	ADJ
cjfa-20424	38	5	and	and	CCONJ
cjfa-20424	38	6	up	up	ADV
cjfa-20424	38	7	-	-	PUNCT
cjfa-20424	38	8	selling	selling	NOUN
cjfa-20424	38	9	in	in	ADP
cjfa-20424	38	10	a	a	DET
cjfa-20424	38	11	bank	bank	NOUN
cjfa-20424	38	12	61	61	NUM
cjfa-20424	38	13	ally	ally	NOUN
cjfa-20424	38	14	,	,	PUNCT
cjfa-20424	38	15	the	the	DET
cjfa-20424	38	16	article	article	NOUN
cjfa-20424	38	17	presents	present	VERB
cjfa-20424	38	18	the	the	DET
cjfa-20424	38	19	result	result	NOUN
cjfa-20424	38	20	of	of	ADP
cjfa-20424	38	21	the	the	DET
cjfa-20424	38	22	cronbach	cronbach	NOUN
cjfa-20424	38	23	’s	’s	PART
cjfa-20424	38	24	alpha	alpha	ADJ
cjfa-20424	38	25	coefficient	coefficient	NOUN
cjfa-20424	38	26	,	,	PUNCT
cjfa-20424	38	27	which	which	PRON
cjfa-20424	38	28	is	be	AUX
cjfa-20424	38	29	a	a	DET
cjfa-20424	38	30	test	test	NOUN
cjfa-20424	38	31	verifying	verify	VERB
cjfa-20424	38	32	the	the	DET
cjfa-20424	38	33	reliability	reliability	NOUN
cjfa-20424	38	34	of	of	ADP
cjfa-20424	38	35	used	use	VERB
cjfa-20424	38	36	questionnaires	questionnaire	NOUN
cjfa-20424	38	37	,	,	PUNCT
cjfa-20424	38	38	and	and	CCONJ
cjfa-20424	38	39	more	more	ADV
cjfa-20424	38	40	specifically	specifically	ADV
cjfa-20424	38	41	its	its	PRON
cjfa-20424	38	42	consistency	consistency	NOUN
cjfa-20424	38	43	.	.	PUNCT
cjfa-20424	39	1	the	the	DET
cjfa-20424	39	2	results	result	NOUN
cjfa-20424	39	3	of	of	ADP
cjfa-20424	39	4	pearson	pearson	PROPN
cjfa-20424	39	5	’s	’s	PART
cjfa-20424	39	6	linear	linear	PROPN
cjfa-20424	39	7	correlation	correlation	NOUN
cjfa-20424	39	8	coefficient	coefficient	NOUN
cjfa-20424	39	9	were	be	AUX
cjfa-20424	39	10	also	also	ADV
cjfa-20424	39	11	presented	present	VERB
cjfa-20424	39	12	to	to	PART
cjfa-20424	39	13	diversify	diversify	VERB
cjfa-20424	39	14	the	the	DET
cjfa-20424	39	15	research	research	NOUN
cjfa-20424	39	16	.	.	PUNCT
cjfa-20424	40	1	the	the	DET
cjfa-20424	40	2	relationship	relationship	NOUN
cjfa-20424	40	3	between	between	ADP
cjfa-20424	40	4	gender	gender	NOUN
cjfa-20424	40	5	and	and	CCONJ
cjfa-20424	40	6	propensity	propensity	NOUN
cjfa-20424	40	7	to	to	PART
cjfa-20424	40	8	use	use	VERB
cjfa-20424	40	9	the	the	DET
cjfa-20424	40	10	products	product	NOUN
cjfa-20424	40	11	offered	offer	VERB
cjfa-20424	40	12	in	in	ADP
cjfa-20424	40	13	the	the	DET
cjfa-20424	40	14	discussed	discuss	VERB
cjfa-20424	40	15	sales	sale	NOUN
cjfa-20424	40	16	techniques	technique	NOUN
cjfa-20424	40	17	was	be	AUX
cjfa-20424	40	18	examined	examine	VERB
cjfa-20424	40	19	.	.	PUNCT
cjfa-20424	41	1	additionally	additionally	ADV
cjfa-20424	41	2	,	,	PUNCT
cjfa-20424	41	3	the	the	DET
cjfa-20424	41	4	article	article	NOUN
cjfa-20424	41	5	presents	present	VERB
cjfa-20424	41	6	the	the	DET
cjfa-20424	41	7	essence	essence	NOUN
cjfa-20424	41	8	and	and	CCONJ
cjfa-20424	41	9	way	way	NOUN
cjfa-20424	41	10	of	of	ADP
cjfa-20424	41	11	functioning	function	VERB
cjfa-20424	41	12	of	of	ADP
cjfa-20424	41	13	cross	cross	ADJ
cjfa-20424	41	14	-	-	ADJ
cjfa-20424	41	15	selling	selling	ADJ
cjfa-20424	41	16	and	and	CCONJ
cjfa-20424	41	17	up	up	ADP
cjfa-20424	41	18	-	-	PUNCT
cjfa-20424	41	19	selling	selling	NOUN
cjfa-20424	41	20	,	,	PUNCT
cjfa-20424	41	21	which	which	PRON
cjfa-20424	41	22	are	be	AUX
cjfa-20424	41	23	used	use	VERB
cjfa-20424	41	24	by	by	ADP
cjfa-20424	41	25	financial	financial	ADJ
cjfa-20424	41	26	institutions	institution	NOUN
cjfa-20424	41	27	in	in	ADP
cjfa-20424	41	28	the	the	DET
cjfa-20424	41	29	pursuit	pursuit	NOUN
cjfa-20424	41	30	of	of	ADP
cjfa-20424	41	31	profit	profit	NOUN
cjfa-20424	41	32	maximization	maximization	NOUN
cjfa-20424	41	33	.	.	PUNCT
cjfa-20424	42	1	achieving	achieve	VERB
cjfa-20424	42	2	this	this	DET
cjfa-20424	42	3	goal	goal	NOUN
cjfa-20424	42	4	required	require	VERB
cjfa-20424	42	5	the	the	DET
cjfa-20424	42	6	analysis	analysis	NOUN
cjfa-20424	42	7	of	of	ADP
cjfa-20424	42	8	national	national	ADJ
cjfa-20424	42	9	and	and	CCONJ
cjfa-20424	42	10	foreign	foreign	ADJ
cjfa-20424	42	11	source	source	NOUN
cjfa-20424	42	12	literature	literature	NOUN
cjfa-20424	42	13	,	,	PUNCT
cjfa-20424	42	14	which	which	PRON
cjfa-20424	42	15	includes	include	VERB
cjfa-20424	42	16	books	book	NOUN
cjfa-20424	42	17	,	,	PUNCT
cjfa-20424	42	18	articles	article	NOUN
cjfa-20424	42	19	,	,	PUNCT
cjfa-20424	42	20	reports	report	NOUN
cjfa-20424	42	21	and	and	CCONJ
cjfa-20424	42	22	studies	study	NOUN
cjfa-20424	42	23	,	,	PUNCT
cjfa-20424	42	24	as	as	ADV
cjfa-20424	42	25	well	well	ADV
cjfa-20424	42	26	as	as	ADP
cjfa-20424	42	27	an	an	DET
cjfa-20424	42	28	analysis	analysis	NOUN
cjfa-20424	42	29	of	of	ADP
cjfa-20424	42	30	legal	legal	ADJ
cjfa-20424	42	31	regulations	regulation	NOUN
cjfa-20424	42	32	,	,	PUNCT
cjfa-20424	42	33	among	among	ADP
cjfa-20424	42	34	which	which	PRON
cjfa-20424	42	35	legal	legal	ADJ
cjfa-20424	42	36	acts	act	NOUN
cjfa-20424	42	37	are	be	AUX
cjfa-20424	42	38	distinguished	distinguish	VERB
cjfa-20424	42	39	.	.	PUNCT
cjfa-20424	43	1	strategy	strategy	NOUN
cjfa-20424	43	2	and	and	CCONJ
cjfa-20424	43	3	sales	sale	NOUN
cjfa-20424	43	4	technique	technique	NOUN
cjfa-20424	43	5	in	in	ADP
cjfa-20424	43	6	domestic	domestic	ADJ
cjfa-20424	43	7	and	and	CCONJ
cjfa-20424	43	8	foreign	foreign	ADJ
cjfa-20424	43	9	literature	literature	PROPN
cjfa-20424	43	10	cross	cross	PROPN
cjfa-20424	43	11	selling	selling	NOUN
cjfa-20424	43	12	and	and	CCONJ
cjfa-20424	43	13	up	up	ADV
cjfa-20424	43	14	selling	selling	NOUN
cjfa-20424	43	15	are	be	AUX
cjfa-20424	43	16	defined	define	VERB
cjfa-20424	43	17	in	in	ADP
cjfa-20424	43	18	various	various	ADJ
cjfa-20424	43	19	ways	way	NOUN
cjfa-20424	43	20	.	.	PUNCT
cjfa-20424	44	1	in	in	ADP
cjfa-20424	44	2	one	one	NUM
cjfa-20424	44	3	case	case	NOUN
cjfa-20424	44	4	,	,	PUNCT
cjfa-20424	44	5	they	they	PRON
cjfa-20424	44	6	are	be	AUX
cjfa-20424	44	7	called	call	VERB
cjfa-20424	44	8	sales	sale	NOUN
cjfa-20424	44	9	strategies	strategy	NOUN
cjfa-20424	44	10	used	use	VERB
cjfa-20424	44	11	to	to	PART
cjfa-20424	44	12	increase	increase	VERB
cjfa-20424	44	13	income	income	NOUN
cjfa-20424	44	14	(	(	PUNCT
cjfa-20424	44	15	johnson	johnson	PROPN
cjfa-20424	44	16	&	&	CCONJ
cjfa-20424	44	17	friend	friend	PROPN
cjfa-20424	44	18	,	,	PUNCT
cjfa-20424	44	19	2014	2014	NUM
cjfa-20424	44	20	)	)	PUNCT
cjfa-20424	44	21	.	.	PUNCT
cjfa-20424	45	1	in	in	ADP
cjfa-20424	45	2	the	the	DET
cjfa-20424	45	3	second	second	ADJ
cjfa-20424	45	4	one	one	NOUN
cjfa-20424	45	5	,	,	PUNCT
cjfa-20424	45	6	they	they	PRON
cjfa-20424	45	7	are	be	AUX
cjfa-20424	45	8	presented	present	VERB
cjfa-20424	45	9	as	as	ADP
cjfa-20424	45	10	sales	sale	NOUN
cjfa-20424	45	11	techniques	technique	NOUN
cjfa-20424	45	12	that	that	PRON
cjfa-20424	45	13	allow	allow	VERB
cjfa-20424	45	14	you	you	PRON
cjfa-20424	45	15	to	to	PART
cjfa-20424	45	16	increase	increase	VERB
cjfa-20424	45	17	sales	sale	NOUN
cjfa-20424	45	18	and	and	CCONJ
cjfa-20424	45	19	income	income	NOUN
cjfa-20424	45	20	generated	generate	VERB
cjfa-20424	45	21	by	by	ADP
cjfa-20424	45	22	the	the	DET
cjfa-20424	45	23	customer	customer	NOUN
cjfa-20424	45	24	(	(	PUNCT
cjfa-20424	45	25	kubiak	kubiak	PROPN
cjfa-20424	45	26	&	&	CCONJ
cjfa-20424	45	27	weichbroth	weichbroth	PROPN
cjfa-20424	45	28	,	,	PUNCT
cjfa-20424	45	29	2010	2010	NUM
cjfa-20424	45	30	)	)	PUNCT
cjfa-20424	45	31	.	.	PUNCT
cjfa-20424	46	1	there	there	PRON
cjfa-20424	46	2	are	be	VERB
cjfa-20424	46	3	many	many	ADJ
cjfa-20424	46	4	definitions	definition	NOUN
cjfa-20424	46	5	of	of	ADP
cjfa-20424	46	6	strategies	strategy	NOUN
cjfa-20424	46	7	in	in	ADP
cjfa-20424	46	8	the	the	DET
cjfa-20424	46	9	literature	literature	NOUN
cjfa-20424	46	10	,	,	PUNCT
cjfa-20424	46	11	but	but	CCONJ
cjfa-20424	46	12	all	all	PRON
cjfa-20424	46	13	emphasize	emphasize	VERB
cjfa-20424	46	14	the	the	DET
cjfa-20424	46	15	features	feature	NOUN
cjfa-20424	46	16	that	that	SCONJ
cjfa-20424	46	17	the	the	DET
cjfa-20424	46	18	strategy	strategy	NOUN
cjfa-20424	46	19	has	have	VERB
cjfa-20424	46	20	a	a	DET
cjfa-20424	46	21	long	long	ADJ
cjfa-20424	46	22	time	time	NOUN
cjfa-20424	46	23	horizon	horizon	NOUN
cjfa-20424	46	24	and	and	CCONJ
cjfa-20424	46	25	are	be	AUX
cjfa-20424	46	26	based	base	VERB
cjfa-20424	46	27	on	on	ADP
cjfa-20424	46	28	the	the	DET
cjfa-20424	46	29	future	future	NOUN
cjfa-20424	46	30	.	.	PUNCT
cjfa-20424	47	1	to	to	PART
cjfa-20424	47	2	talk	talk	VERB
cjfa-20424	47	3	about	about	ADP
cjfa-20424	47	4	strategy	strategy	NOUN
cjfa-20424	47	5	,	,	PUNCT
cjfa-20424	47	6	it	it	PRON
cjfa-20424	47	7	is	be	AUX
cjfa-20424	47	8	also	also	ADV
cjfa-20424	47	9	important	important	ADJ
cjfa-20424	47	10	to	to	PART
cjfa-20424	47	11	remember	remember	VERB
cjfa-20424	47	12	that	that	SCONJ
cjfa-20424	47	13	the	the	DET
cjfa-20424	47	14	actions	action	NOUN
cjfa-20424	47	15	taken	take	VERB
cjfa-20424	47	16	by	by	ADP
cjfa-20424	47	17	the	the	DET
cjfa-20424	47	18	company	company	NOUN
cjfa-20424	47	19	must	must	AUX
cjfa-20424	47	20	be	be	AUX
cjfa-20424	47	21	matched	match	VERB
cjfa-20424	47	22	to	to	ADP
cjfa-20424	47	23	its	its	PRON
cjfa-20424	47	24	objectives	objective	NOUN
cjfa-20424	47	25	(	(	PUNCT
cjfa-20424	47	26	supernat	supernat	NOUN
cjfa-20424	47	27	,	,	PUNCT
cjfa-20424	47	28	2000	2000	NUM
cjfa-20424	47	29	,	,	PUNCT
cjfa-20424	47	30	pp	pp	ADJ
cjfa-20424	47	31	.	.	PUNCT
cjfa-20424	47	32	13–14	13–14	NUM
cjfa-20424	47	33	)	)	PUNCT
cjfa-20424	47	34	.	.	PUNCT
cjfa-20424	48	1	in	in	ADP
cjfa-20424	48	2	addition	addition	NOUN
cjfa-20424	48	3	,	,	PUNCT
cjfa-20424	48	4	the	the	DET
cjfa-20424	48	5	entity	entity	NOUN
cjfa-20424	48	6	must	must	AUX
cjfa-20424	48	7	indicate	indicate	VERB
cjfa-20424	48	8	the	the	DET
cjfa-20424	48	9	methods	method	NOUN
cjfa-20424	48	10	for	for	ADP
cjfa-20424	48	11	their	their	PRON
cjfa-20424	48	12	implementation	implementation	NOUN
cjfa-20424	48	13	(	(	PUNCT
cjfa-20424	48	14	kaleta	kaleta	PROPN
cjfa-20424	48	15	,	,	PUNCT
cjfa-20424	48	16	2013	2013	NUM
cjfa-20424	48	17	,	,	PUNCT
cjfa-20424	48	18	p.	p.	NOUN
cjfa-20424	48	19	41	41	NUM
cjfa-20424	48	20	)	)	PUNCT
cjfa-20424	48	21	.	.	PUNCT
cjfa-20424	49	1	by	by	ADP
cjfa-20424	49	2	definition	definition	NOUN
cjfa-20424	49	3	,	,	PUNCT
cjfa-20424	49	4	which	which	PRON
cjfa-20424	49	5	can	can	AUX
cjfa-20424	49	6	be	be	AUX
cjfa-20424	49	7	found	find	VERB
cjfa-20424	49	8	in	in	ADP
cjfa-20424	49	9	dictionaries	dictionary	NOUN
cjfa-20424	49	10	,	,	PUNCT
cjfa-20424	49	11	it	it	PRON
cjfa-20424	49	12	follows	follow	VERB
cjfa-20424	49	13	that	that	SCONJ
cjfa-20424	49	14	the	the	DET
cjfa-20424	49	15	technique	technique	NOUN
cjfa-20424	49	16	is	be	AUX
cjfa-20424	49	17	a	a	DET
cjfa-20424	49	18	procedure	procedure	NOUN
cjfa-20424	49	19	that	that	PRON
cjfa-20424	49	20	brings	bring	VERB
cjfa-20424	49	21	the	the	DET
cjfa-20424	49	22	company	company	NOUN
cjfa-20424	49	23	closer	close	ADV
cjfa-20424	49	24	to	to	ADP
cjfa-20424	49	25	the	the	DET
cjfa-20424	49	26	goal	goal	NOUN
cjfa-20424	49	27	.	.	PUNCT
cjfa-20424	50	1	it	it	PRON
cjfa-20424	50	2	also	also	ADV
cjfa-20424	50	3	indicates	indicate	VERB
cjfa-20424	50	4	the	the	DET
cjfa-20424	50	5	accompanying	accompany	VERB
cjfa-20424	50	6	elements	element	NOUN
cjfa-20424	50	7	,	,	PUNCT
cjfa-20424	50	8	that	that	PRON
cjfa-20424	50	9	is	be	AUX
cjfa-20424	50	10	the	the	DET
cjfa-20424	50	11	way	way	NOUN
cjfa-20424	50	12	in	in	ADP
cjfa-20424	50	13	which	which	PRON
cjfa-20424	50	14	activities	activity	NOUN
cjfa-20424	50	15	are	be	AUX
cjfa-20424	50	16	carried	carry	VERB
cjfa-20424	50	17	out	out	ADP
cjfa-20424	50	18	,	,	PUNCT
cjfa-20424	50	19	the	the	DET
cjfa-20424	50	20	interdependence	interdependence	NOUN
cjfa-20424	50	21	and	and	CCONJ
cjfa-20424	50	22	the	the	DET
cjfa-20424	50	23	rational	rational	ADJ
cjfa-20424	50	24	selection	selection	NOUN
cjfa-20424	50	25	of	of	ADP
cjfa-20424	50	26	resources	resource	NOUN
cjfa-20424	50	27	and	and	CCONJ
cjfa-20424	50	28	means	mean	NOUN
cjfa-20424	50	29	of	of	ADP
cjfa-20424	50	30	action	action	NOUN
cjfa-20424	50	31	(	(	PUNCT
cjfa-20424	50	32	mikołajczyk	mikołajczyk	PROPN
cjfa-20424	50	33	,	,	PUNCT
cjfa-20424	50	34	1997	1997	NUM
cjfa-20424	50	35	,	,	PUNCT
cjfa-20424	50	36	pp	pp	ADV
cjfa-20424	50	37	.	.	PUNCT
cjfa-20424	51	1	7–38	7–38	X
cjfa-20424	51	2	)	)	PUNCT
cjfa-20424	51	3	.	.	PUNCT
cjfa-20424	52	1	for	for	ADP
cjfa-20424	52	2	the	the	DET
cjfa-20424	52	3	purpose	purpose	NOUN
cjfa-20424	52	4	of	of	ADP
cjfa-20424	52	5	the	the	DET
cjfa-20424	52	6	article	article	NOUN
cjfa-20424	52	7	,	,	PUNCT
cjfa-20424	52	8	it	it	PRON
cjfa-20424	52	9	was	be	AUX
cjfa-20424	52	10	assumed	assume	VERB
cjfa-20424	52	11	that	that	SCONJ
cjfa-20424	52	12	cross	cross	NOUN
cjfa-20424	52	13	selling	selling	NOUN
cjfa-20424	52	14	and	and	CCONJ
cjfa-20424	52	15	up	up	ADV
cjfa-20424	52	16	selling	selling	NOUN
cjfa-20424	52	17	are	be	AUX
cjfa-20424	52	18	sales	sale	NOUN
cjfa-20424	52	19	techniques	technique	NOUN
cjfa-20424	52	20	.	.	PUNCT
cjfa-20424	53	1	financial	financial	ADJ
cjfa-20424	53	2	institutions	institution	NOUN
cjfa-20424	53	3	use	use	VERB
cjfa-20424	53	4	cross	cross	NOUN
cjfa-20424	53	5	selling	selling	NOUN
cjfa-20424	53	6	and	and	CCONJ
cjfa-20424	53	7	up	up	ADV
cjfa-20424	53	8	selling	sell	VERB
cjfa-20424	53	9	to	to	PART
cjfa-20424	53	10	maximize	maximize	VERB
cjfa-20424	53	11	the	the	DET
cjfa-20424	53	12	profit	profit	NOUN
cjfa-20424	53	13	that	that	PRON
cjfa-20424	53	14	is	be	AUX
cjfa-20424	53	15	the	the	DET
cjfa-20424	53	16	goal	goal	NOUN
cjfa-20424	53	17	of	of	ADP
cjfa-20424	53	18	their	their	PRON
cjfa-20424	53	19	business	business	NOUN
cjfa-20424	53	20	.	.	PUNCT
cjfa-20424	54	1	it	it	PRON
cjfa-20424	54	2	can	can	AUX
cjfa-20424	54	3	therefore	therefore	ADV
cjfa-20424	54	4	be	be	AUX
cjfa-20424	54	5	said	say	VERB
cjfa-20424	54	6	that	that	SCONJ
cjfa-20424	54	7	these	these	PRON
cjfa-20424	54	8	are	be	AUX
cjfa-20424	54	9	activities	activity	NOUN
cjfa-20424	54	10	that	that	PRON
cjfa-20424	54	11	contribute	contribute	VERB
cjfa-20424	54	12	to	to	ADP
cjfa-20424	54	13	the	the	DET
cjfa-20424	54	14	goal	goal	NOUN
cjfa-20424	54	15	.	.	PUNCT
cjfa-20424	55	1	in	in	ADP
cjfa-20424	55	2	addition	addition	NOUN
cjfa-20424	55	3	,	,	PUNCT
cjfa-20424	55	4	these	these	DET
cjfa-20424	55	5	techniques	technique	NOUN
cjfa-20424	55	6	are	be	AUX
cjfa-20424	55	7	subject	subject	ADJ
cjfa-20424	55	8	to	to	ADP
cjfa-20424	55	9	a	a	DET
cjfa-20424	55	10	sales	sale	NOUN
cjfa-20424	55	11	strategy	strategy	NOUN
cjfa-20424	55	12	,	,	PUNCT
cjfa-20424	55	13	which	which	PRON
cjfa-20424	55	14	in	in	ADP
cjfa-20424	55	15	the	the	DET
cjfa-20424	55	16	case	case	NOUN
cjfa-20424	55	17	of	of	ADP
cjfa-20424	55	18	financial	financial	ADJ
cjfa-20424	55	19	institutions	institution	NOUN
cjfa-20424	55	20	can	can	AUX
cjfa-20424	55	21	be	be	AUX
cjfa-20424	55	22	based	base	VERB
cjfa-20424	55	23	,	,	PUNCT
cjfa-20424	55	24	for	for	ADP
cjfa-20424	55	25	example	example	NOUN
cjfa-20424	55	26	,	,	PUNCT
cjfa-20424	55	27	on	on	ADP
cjfa-20424	55	28	long	long	ADJ
cjfa-20424	55	29	-	-	PUNCT
cjfa-20424	55	30	term	term	NOUN
cjfa-20424	55	31	revenue	revenue	NOUN
cjfa-20424	55	32	growth	growth	NOUN
cjfa-20424	55	33	.	.	PUNCT
cjfa-20424	56	1	julia	julia	PROPN
cjfa-20424	56	2	kwiatkowska62	kwiatkowska62	PROPN
cjfa-20424	56	3	cross	cross	PROPN
cjfa-20424	56	4	selling	sell	VERB
cjfa-20424	56	5	financial	financial	ADJ
cjfa-20424	56	6	institutions	institution	NOUN
cjfa-20424	56	7	,	,	PUNCT
cjfa-20424	56	8	in	in	ADP
cjfa-20424	56	9	order	order	NOUN
cjfa-20424	56	10	to	to	PART
cjfa-20424	56	11	maximize	maximize	VERB
cjfa-20424	56	12	profit	profit	NOUN
cjfa-20424	56	13	,	,	PUNCT
cjfa-20424	56	14	use	use	VERB
cjfa-20424	56	15	cross	cross	ADJ
cjfa-20424	56	16	-	-	ADJ
cjfa-20424	56	17	selling	sell	VERB
cjfa-20424	56	18	techniques	technique	NOUN
cjfa-20424	56	19	.	.	PUNCT
cjfa-20424	57	1	cross	cross	NOUN
cjfa-20424	57	2	selling	selling	NOUN
cjfa-20424	57	3	is	be	AUX
cjfa-20424	57	4	otherwise	otherwise	ADV
cjfa-20424	57	5	called	call	VERB
cjfa-20424	57	6	bundling	bundle	VERB
cjfa-20424	57	7	.	.	PUNCT
cjfa-20424	58	1	cross	cross	NOUN
cjfa-20424	58	2	selling	selling	NOUN
cjfa-20424	58	3	is	be	AUX
cjfa-20424	58	4	about	about	ADP
cjfa-20424	58	5	offering	offer	VERB
cjfa-20424	58	6	customers	customer	NOUN
cjfa-20424	58	7	additional	additional	ADJ
cjfa-20424	58	8	products	product	NOUN
cjfa-20424	58	9	or	or	CCONJ
cjfa-20424	58	10	services	service	NOUN
cjfa-20424	58	11	to	to	ADP
cjfa-20424	58	12	the	the	DET
cjfa-20424	58	13	basic	basic	ADJ
cjfa-20424	58	14	product	product	NOUN
cjfa-20424	58	15	they	they	PRON
cjfa-20424	58	16	purchase	purchase	VERB
cjfa-20424	58	17	.	.	PUNCT
cjfa-20424	59	1	it	it	PRON
cjfa-20424	59	2	is	be	AUX
cjfa-20424	59	3	worth	worth	ADJ
cjfa-20424	59	4	emphasizing	emphasize	VERB
cjfa-20424	59	5	that	that	SCONJ
cjfa-20424	59	6	the	the	DET
cjfa-20424	59	7	products	product	NOUN
cjfa-20424	59	8	or	or	CCONJ
cjfa-20424	59	9	services	service	NOUN
cjfa-20424	59	10	offered	offer	VERB
cjfa-20424	59	11	in	in	ADP
cjfa-20424	59	12	this	this	DET
cjfa-20424	59	13	way	way	NOUN
cjfa-20424	59	14	are	be	AUX
cjfa-20424	59	15	complementary	complementary	ADJ
cjfa-20424	59	16	goods	good	NOUN
cjfa-20424	59	17	.	.	PUNCT
cjfa-20424	60	1	this	this	PRON
cjfa-20424	60	2	means	mean	VERB
cjfa-20424	60	3	that	that	SCONJ
cjfa-20424	60	4	they	they	PRON
cjfa-20424	60	5	supplement	supplement	VERB
cjfa-20424	60	6	each	each	DET
cjfa-20424	60	7	other	other	ADJ
cjfa-20424	60	8	.	.	PUNCT
cjfa-20424	61	1	an	an	DET
cjfa-20424	61	2	example	example	NOUN
cjfa-20424	61	3	can	can	AUX
cjfa-20424	61	4	be	be	AUX
cjfa-20424	61	5	a	a	DET
cjfa-20424	61	6	laptop	laptop	NOUN
cjfa-20424	61	7	bought	buy	VERB
cjfa-20424	61	8	in	in	ADP
cjfa-20424	61	9	the	the	DET
cjfa-20424	61	10	store	store	NOUN
cjfa-20424	61	11	and	and	CCONJ
cjfa-20424	61	12	a	a	DET
cjfa-20424	61	13	bag	bag	NOUN
cjfa-20424	61	14	that	that	PRON
cjfa-20424	61	15	was	be	AUX
cjfa-20424	61	16	offered	offer	VERB
cjfa-20424	61	17	as	as	ADP
cjfa-20424	61	18	part	part	NOUN
cjfa-20424	61	19	of	of	ADP
cjfa-20424	61	20	cross	cross	NOUN
cjfa-20424	61	21	-	-	ADJ
cjfa-20424	61	22	selling	selling	NOUN
cjfa-20424	61	23	.	.	PUNCT
cjfa-20424	62	1	in	in	ADP
cjfa-20424	62	2	financial	financial	ADJ
cjfa-20424	62	3	institutions	institution	NOUN
cjfa-20424	62	4	,	,	PUNCT
cjfa-20424	62	5	such	such	DET
cjfa-20424	62	6	an	an	DET
cjfa-20424	62	7	example	example	NOUN
cjfa-20424	62	8	can	can	AUX
cjfa-20424	62	9	be	be	AUX
cjfa-20424	62	10	insurance	insurance	NOUN
cjfa-20424	62	11	,	,	PUNCT
cjfa-20424	62	12	offered	offer	VERB
cjfa-20424	62	13	with	with	ADP
cjfa-20424	62	14	a	a	DET
cjfa-20424	62	15	loan	loan	NOUN
cjfa-20424	62	16	(	(	PUNCT
cjfa-20424	62	17	próchnicki	próchnicki	PROPN
cjfa-20424	62	18	,	,	PUNCT
cjfa-20424	62	19	2014	2014	NUM
cjfa-20424	62	20	)	)	PUNCT
cjfa-20424	62	21	.	.	PUNCT
cjfa-20424	63	1	the	the	DET
cjfa-20424	63	2	basic	basic	ADJ
cjfa-20424	63	3	principle	principle	NOUN
cjfa-20424	63	4	of	of	ADP
cjfa-20424	63	5	cross	cross	NOUN
cjfa-20424	63	6	-	-	ADJ
cjfa-20424	63	7	selling	selling	NOUN
cjfa-20424	63	8	is	be	AUX
cjfa-20424	63	9	the	the	DET
cjfa-20424	63	10	fact	fact	NOUN
cjfa-20424	63	11	that	that	SCONJ
cjfa-20424	63	12	an	an	DET
cjfa-20424	63	13	additional	additional	ADJ
cjfa-20424	63	14	product	product	NOUN
cjfa-20424	63	15	or	or	CCONJ
cjfa-20424	63	16	service	service	NOUN
cjfa-20424	63	17	is	be	AUX
cjfa-20424	63	18	offered	offer	VERB
cjfa-20424	63	19	only	only	ADV
cjfa-20424	63	20	when	when	SCONJ
cjfa-20424	63	21	the	the	DET
cjfa-20424	63	22	customer	customer	NOUN
cjfa-20424	63	23	has	have	AUX
cjfa-20424	63	24	already	already	ADV
cjfa-20424	63	25	purchased	purchase	VERB
cjfa-20424	63	26	the	the	DET
cjfa-20424	63	27	basic	basic	ADJ
cjfa-20424	63	28	product	product	NOUN
cjfa-20424	63	29	,	,	PUNCT
cjfa-20424	63	30	but	but	CCONJ
cjfa-20424	63	31	the	the	DET
cjfa-20424	63	32	purchase	purchase	NOUN
cjfa-20424	63	33	transaction	transaction	NOUN
cjfa-20424	63	34	has	have	AUX
cjfa-20424	63	35	not	not	PART
cjfa-20424	63	36	yet	yet	ADV
cjfa-20424	63	37	been	be	AUX
cjfa-20424	63	38	completed	complete	VERB
cjfa-20424	63	39	.	.	PUNCT
cjfa-20424	64	1	that	that	PRON
cjfa-20424	64	2	means	mean	VERB
cjfa-20424	64	3	it	it	PRON
cjfa-20424	64	4	is	be	AUX
cjfa-20424	64	5	not	not	PART
cjfa-20424	64	6	risky	risky	ADJ
cjfa-20424	64	7	to	to	PART
cjfa-20424	64	8	offer	offer	VERB
cjfa-20424	64	9	complement	complement	NOUN
cjfa-20424	64	10	goods	good	NOUN
cjfa-20424	64	11	because	because	SCONJ
cjfa-20424	64	12	it	it	PRON
cjfa-20424	64	13	is	be	AUX
cjfa-20424	64	14	offered	offer	VERB
cjfa-20424	64	15	only	only	ADV
cjfa-20424	64	16	when	when	SCONJ
cjfa-20424	64	17	the	the	DET
cjfa-20424	64	18	basic	basic	ADJ
cjfa-20424	64	19	product	product	NOUN
cjfa-20424	64	20	is	be	AUX
cjfa-20424	64	21	purchased	purchase	VERB
cjfa-20424	64	22	.	.	PUNCT
cjfa-20424	65	1	therefore	therefore	ADV
cjfa-20424	65	2	,	,	PUNCT
cjfa-20424	65	3	financial	financial	ADJ
cjfa-20424	65	4	institutions	institution	NOUN
cjfa-20424	65	5	are	be	AUX
cjfa-20424	65	6	willing	willing	ADJ
cjfa-20424	65	7	to	to	PART
cjfa-20424	65	8	use	use	VERB
cjfa-20424	65	9	this	this	DET
cjfa-20424	65	10	technique	technique	NOUN
cjfa-20424	65	11	to	to	PART
cjfa-20424	65	12	maximize	maximize	VERB
cjfa-20424	65	13	profit	profit	NOUN
cjfa-20424	65	14	(	(	PUNCT
cjfa-20424	65	15	baumgarten	baumgarten	VERB
cjfa-20424	65	16	,	,	PUNCT
cjfa-20424	65	17	widz	widz	NOUN
cjfa-20424	65	18	,	,	PUNCT
cjfa-20424	65	19	białokozowicz	białokozowicz	NOUN
cjfa-20424	65	20	&	&	CCONJ
cjfa-20424	65	21	dietl	dietl	NOUN
cjfa-20424	65	22	,	,	PUNCT
cjfa-20424	65	23	2006	2006	NUM
cjfa-20424	65	24	)	)	PUNCT
cjfa-20424	65	25	.	.	PUNCT
cjfa-20424	66	1	cross	cross	NOUN
cjfa-20424	66	2	selling	selling	NOUN
cjfa-20424	66	3	allows	allow	VERB
cjfa-20424	66	4	to	to	PART
cjfa-20424	66	5	increase	increase	VERB
cjfa-20424	66	6	sales	sale	NOUN
cjfa-20424	66	7	per	per	ADP
cjfa-20424	66	8	one	one	NUM
cjfa-20424	66	9	customer	customer	NOUN
cjfa-20424	66	10	and	and	CCONJ
cjfa-20424	66	11	strengthen	strengthen	VERB
cjfa-20424	66	12	his	his	PRON
cjfa-20424	66	13	or	or	CCONJ
cjfa-20424	66	14	her	her	PRON
cjfa-20424	66	15	bond	bond	NOUN
cjfa-20424	66	16	.	.	PUNCT
cjfa-20424	67	1	cross	cross	PROPN
cjfa-20424	67	2	selling	selling	NOUN
cjfa-20424	67	3	is	be	AUX
cjfa-20424	67	4	referred	refer	VERB
cjfa-20424	67	5	as	as	ADP
cjfa-20424	67	6	the	the	DET
cjfa-20424	67	7	technique	technique	NOUN
cjfa-20424	67	8	of	of	ADP
cjfa-20424	67	9	maximizing	maximize	VERB
cjfa-20424	67	10	profit	profit	NOUN
cjfa-20424	67	11	generated	generate	VERB
cjfa-20424	67	12	by	by	ADP
cjfa-20424	67	13	one	one	NUM
cjfa-20424	67	14	customer	customer	NOUN
cjfa-20424	67	15	.	.	PUNCT
cjfa-20424	68	1	the	the	DET
cjfa-20424	68	2	use	use	NOUN
cjfa-20424	68	3	of	of	ADP
cjfa-20424	68	4	this	this	DET
cjfa-20424	68	5	technique	technique	NOUN
cjfa-20424	68	6	also	also	ADV
cjfa-20424	68	7	reduces	reduce	VERB
cjfa-20424	68	8	need	need	VERB
cjfa-20424	68	9	to	to	PART
cjfa-20424	68	10	acquire	acquire	VERB
cjfa-20424	68	11	new	new	ADJ
cjfa-20424	68	12	customers	customer	NOUN
cjfa-20424	68	13	,	,	PUNCT
cjfa-20424	68	14	and	and	CCONJ
cjfa-20424	68	15	reduces	reduce	VERB
cjfa-20424	68	16	the	the	DET
cjfa-20424	68	17	costs	cost	NOUN
cjfa-20424	68	18	associated	associate	VERB
cjfa-20424	68	19	with	with	ADP
cjfa-20424	68	20	it	it	PRON
cjfa-20424	68	21	.	.	PUNCT
cjfa-20424	69	1	financial	financial	ADJ
cjfa-20424	69	2	institutions	institution	NOUN
cjfa-20424	69	3	are	be	AUX
cjfa-20424	69	4	willing	willing	ADJ
cjfa-20424	69	5	to	to	PART
cjfa-20424	69	6	use	use	VERB
cjfa-20424	69	7	cross	cross	ADJ
cjfa-20424	69	8	-	-	ADJ
cjfa-20424	69	9	selling	sell	VERB
cjfa-20424	69	10	due	due	ADP
cjfa-20424	69	11	to	to	ADP
cjfa-20424	69	12	the	the	DET
cjfa-20424	69	13	possibility	possibility	NOUN
cjfa-20424	69	14	of	of	ADP
cjfa-20424	69	15	building	build	VERB
cjfa-20424	69	16	a	a	DET
cjfa-20424	69	17	strong	strong	ADJ
cjfa-20424	69	18	relationship	relationship	NOUN
cjfa-20424	69	19	with	with	ADP
cjfa-20424	69	20	the	the	DET
cjfa-20424	69	21	customer	customer	NOUN
cjfa-20424	69	22	,	,	PUNCT
cjfa-20424	69	23	which	which	PRON
cjfa-20424	69	24	will	will	AUX
cjfa-20424	69	25	reduce	reduce	VERB
cjfa-20424	69	26	the	the	DET
cjfa-20424	69	27	risk	risk	NOUN
cjfa-20424	69	28	related	relate	VERB
cjfa-20424	69	29	to	to	ADP
cjfa-20424	69	30	the	the	DET
cjfa-20424	69	31	loss	loss	NOUN
cjfa-20424	69	32	of	of	ADP
cjfa-20424	69	33	the	the	DET
cjfa-20424	69	34	customer	customer	NOUN
cjfa-20424	69	35	in	in	ADP
cjfa-20424	69	36	favor	favor	NOUN
cjfa-20424	69	37	of	of	ADP
cjfa-20424	69	38	the	the	DET
cjfa-20424	69	39	competitive	competitive	ADJ
cjfa-20424	69	40	entity	entity	NOUN
cjfa-20424	69	41	(	(	PUNCT
cjfa-20424	69	42	szczepaniec	szczepaniec	NOUN
cjfa-20424	69	43	,	,	PUNCT
cjfa-20424	69	44	2003	2003	NUM
cjfa-20424	69	45	)	)	PUNCT
cjfa-20424	69	46	.	.	PUNCT
cjfa-20424	70	1	the	the	DET
cjfa-20424	70	2	purposes	purpose	NOUN
cjfa-20424	70	3	of	of	ADP
cjfa-20424	70	4	using	use	VERB
cjfa-20424	70	5	cross	cross	NOUN
cjfa-20424	70	6	-	-	ADJ
cjfa-20424	70	7	selling	selling	NOUN
cjfa-20424	70	8	are	be	AUX
cjfa-20424	70	9	(	(	PUNCT
cjfa-20424	70	10	paradecki	paradecki	ADJ
cjfa-20424	70	11	,	,	PUNCT
cjfa-20424	70	12	2008	2008	NUM
cjfa-20424	70	13	,	,	PUNCT
cjfa-20424	70	14	p.	p.	NOUN
cjfa-20424	70	15	343	343	NUM
cjfa-20424	70	16	):	):	PUNCT
cjfa-20424	70	17	■	■	PUNCT
cjfa-20424	70	18	increasing	increase	VERB
cjfa-20424	70	19	turnover	turnover	NOUN
cjfa-20424	70	20	while	while	SCONJ
cjfa-20424	70	21	fixed	fixed	ADJ
cjfa-20424	70	22	costs	cost	NOUN
cjfa-20424	70	23	are	be	AUX
cjfa-20424	70	24	constant	constant	ADJ
cjfa-20424	70	25	,	,	PUNCT
cjfa-20424	70	26	■	■	PUNCT
cjfa-20424	70	27	increasing	increase	VERB
cjfa-20424	70	28	customer	customer	NOUN
cjfa-20424	70	29	loyalty	loyalty	NOUN
cjfa-20424	70	30	,	,	PUNCT
cjfa-20424	70	31	■	■	PUNCT
cjfa-20424	70	32	reducing	reduce	VERB
cjfa-20424	70	33	the	the	DET
cjfa-20424	70	34	clients	client	NOUN
cjfa-20424	70	35	'	'	PART
cjfa-20424	70	36	fluctuation	fluctuation	NOUN
cjfa-20424	70	37	,	,	PUNCT
cjfa-20424	70	38	■	■	PUNCT
cjfa-20424	70	39	building	build	VERB
cjfa-20424	70	40	a	a	DET
cjfa-20424	70	41	relationship	relationship	NOUN
cjfa-20424	70	42	with	with	ADP
cjfa-20424	70	43	the	the	DET
cjfa-20424	70	44	client	client	NOUN
cjfa-20424	70	45	,	,	PUNCT
cjfa-20424	70	46	■	■	PUNCT
cjfa-20424	70	47	optimal	optimal	ADJ
cjfa-20424	70	48	use	use	NOUN
cjfa-20424	70	49	of	of	ADP
cjfa-20424	70	50	distribution	distribution	NOUN
cjfa-20424	70	51	channels	channel	NOUN
cjfa-20424	70	52	,	,	PUNCT
cjfa-20424	70	53	■	■	PUNCT
cjfa-20424	70	54	reducing	reduce	VERB
cjfa-20424	70	55	uncertainty	uncertainty	NOUN
cjfa-20424	70	56	and	and	CCONJ
cjfa-20424	70	57	risk	risk	NOUN
cjfa-20424	70	58	.	.	PUNCT
cjfa-20424	71	1	up	up	ADP
cjfa-20424	71	2	selling	sell	VERB
cjfa-20424	71	3	another	another	DET
cjfa-20424	71	4	technique	technique	NOUN
cjfa-20424	71	5	that	that	PRON
cjfa-20424	71	6	maximizes	maximize	VERB
cjfa-20424	71	7	profit	profit	NOUN
cjfa-20424	71	8	is	be	AUX
cjfa-20424	71	9	up	up	ADP
cjfa-20424	71	10	selling	sell	VERB
cjfa-20424	71	11	.	.	PUNCT
cjfa-20424	72	1	up	up	ADP
cjfa-20424	72	2	selling	sell	VERB
cjfa-20424	72	3	,	,	PUNCT
cjfa-20424	72	4	also	also	ADV
cjfa-20424	72	5	known	know	VERB
cjfa-20424	72	6	as	as	ADP
cjfa-20424	72	7	an	an	DET
cjfa-20424	72	8	additional	additional	ADJ
cjfa-20424	72	9	sale	sale	NOUN
cjfa-20424	72	10	,	,	PUNCT
cjfa-20424	72	11	increases	increase	VERB
cjfa-20424	72	12	value	value	NOUN
cjfa-20424	72	13	of	of	ADP
cjfa-20424	72	14	the	the	DET
cjfa-20424	72	15	product	product	NOUN
cjfa-20424	72	16	or	or	CCONJ
cjfa-20424	72	17	service	service	NOUN
cjfa-20424	72	18	being	be	AUX
cjfa-20424	72	19	sold	sell	VERB
cjfa-20424	72	20	.	.	PUNCT
cjfa-20424	73	1	it	it	PRON
cjfa-20424	73	2	consists	consist	VERB
cjfa-20424	73	3	in	in	ADP
cjfa-20424	73	4	offering	offer	VERB
cjfa-20424	73	5	a	a	DET
cjfa-20424	73	6	product	product	NOUN
cjfa-20424	73	7	or	or	CCONJ
cjfa-20424	73	8	service	service	NOUN
cjfa-20424	73	9	of	of	ADP
cjfa-20424	73	10	the	the	DET
cjfa-20424	73	11	same	same	ADJ
cjfa-20424	73	12	nature	nature	NOUN
cjfa-20424	73	13	,	,	PUNCT
cjfa-20424	73	14	but	but	CCONJ
cjfa-20424	73	15	with	with	ADP
cjfa-20424	73	16	higher	high	ADJ
cjfa-20424	73	17	quality	quality	NOUN
cjfa-20424	73	18	or	or	CCONJ
cjfa-20424	73	19	greater	great	ADJ
cjfa-20424	73	20	functionality	functionality	NOUN
cjfa-20424	73	21	.	.	PUNCT
cjfa-20424	74	1	the	the	DET
cjfa-20424	74	2	result	result	NOUN
cjfa-20424	74	3	is	be	AUX
cjfa-20424	74	4	that	that	SCONJ
cjfa-20424	74	5	the	the	DET
cjfa-20424	74	6	price	price	NOUN
cjfa-20424	74	7	of	of	ADP
cjfa-20424	74	8	this	this	DET
cjfa-20424	74	9	product	product	NOUN
cjfa-20424	74	10	or	or	CCONJ
cjfa-20424	74	11	ser	ser	NOUN
cjfa-20424	74	12	cross	cross	NOUN
cjfa-20424	74	13	-	-	ADJ
cjfa-20424	74	14	selling	selling	NOUN
cjfa-20424	74	15	and	and	CCONJ
cjfa-20424	74	16	up	up	ADV
cjfa-20424	74	17	-	-	PUNCT
cjfa-20424	74	18	selling	selling	NOUN
cjfa-20424	74	19	in	in	ADP
cjfa-20424	74	20	a	a	DET
cjfa-20424	74	21	bank	bank	NOUN
cjfa-20424	74	22	63	63	NUM
cjfa-20424	74	23	vice	vice	NOUN
cjfa-20424	74	24	is	be	AUX
cjfa-20424	74	25	much	much	ADV
cjfa-20424	74	26	higher	high	ADJ
cjfa-20424	74	27	and	and	CCONJ
cjfa-20424	74	28	allows	allow	VERB
cjfa-20424	74	29	company	company	NOUN
cjfa-20424	74	30	to	to	PART
cjfa-20424	74	31	earn	earn	VERB
cjfa-20424	74	32	more	more	ADJ
cjfa-20424	74	33	per	per	ADP
cjfa-20424	74	34	each	each	DET
cjfa-20424	74	35	transaction	transaction	NOUN
cjfa-20424	74	36	.	.	PUNCT
cjfa-20424	75	1	it	it	PRON
cjfa-20424	75	2	should	should	AUX
cjfa-20424	75	3	be	be	AUX
cjfa-20424	75	4	emphasized	emphasize	VERB
cjfa-20424	75	5	that	that	SCONJ
cjfa-20424	75	6	products	product	NOUN
cjfa-20424	75	7	and	and	CCONJ
cjfa-20424	75	8	services	service	NOUN
cjfa-20424	75	9	sold	sell	VERB
cjfa-20424	75	10	as	as	ADP
cjfa-20424	75	11	part	part	NOUN
cjfa-20424	75	12	of	of	ADP
cjfa-20424	75	13	up	up	ADV
cjfa-20424	75	14	-	-	PUNCT
cjfa-20424	75	15	selling	selling	NOUN
cjfa-20424	75	16	are	be	AUX
cjfa-20424	75	17	substitute	substitute	NOUN
cjfa-20424	75	18	goods	good	NOUN
cjfa-20424	75	19	,	,	PUNCT
cjfa-20424	75	20	which	which	PRON
cjfa-20424	75	21	means	mean	VERB
cjfa-20424	75	22	that	that	SCONJ
cjfa-20424	75	23	they	they	PRON
cjfa-20424	75	24	substitute	substitute	VERB
cjfa-20424	75	25	each	each	DET
cjfa-20424	75	26	other	other	ADJ
cjfa-20424	75	27	and	and	CCONJ
cjfa-20424	75	28	meet	meet	VERB
cjfa-20424	75	29	the	the	DET
cjfa-20424	75	30	same	same	ADJ
cjfa-20424	75	31	needs	need	NOUN
cjfa-20424	75	32	.	.	PUNCT
cjfa-20424	76	1	an	an	DET
cjfa-20424	76	2	example	example	NOUN
cjfa-20424	76	3	might	might	AUX
cjfa-20424	76	4	be	be	AUX
cjfa-20424	76	5	selling	sell	VERB
cjfa-20424	76	6	a	a	DET
cjfa-20424	76	7	laptop	laptop	NOUN
cjfa-20424	76	8	with	with	ADP
cjfa-20424	76	9	better	well	ADJ
cjfa-20424	76	10	parameters	parameter	NOUN
cjfa-20424	76	11	than	than	ADP
cjfa-20424	76	12	the	the	DET
cjfa-20424	76	13	one	one	NOUN
cjfa-20424	76	14	that	that	PRON
cjfa-20424	76	15	the	the	DET
cjfa-20424	76	16	customer	customer	NOUN
cjfa-20424	76	17	originally	originally	ADV
cjfa-20424	76	18	chose	choose	VERB
cjfa-20424	76	19	.	.	PUNCT
cjfa-20424	77	1	in	in	ADP
cjfa-20424	77	2	the	the	DET
cjfa-20424	77	3	case	case	NOUN
cjfa-20424	77	4	of	of	ADP
cjfa-20424	77	5	financial	financial	ADJ
cjfa-20424	77	6	institutions	institution	NOUN
cjfa-20424	77	7	,	,	PUNCT
cjfa-20424	77	8	among	among	ADP
cjfa-20424	77	9	the	the	DET
cjfa-20424	77	10	up	up	ADV
cjfa-20424	77	11	-	-	PUNCT
cjfa-20424	77	12	selling	sell	VERB
cjfa-20424	77	13	examples	example	NOUN
cjfa-20424	77	14	,	,	PUNCT
cjfa-20424	77	15	one	one	PRON
cjfa-20424	77	16	can	can	AUX
cjfa-20424	77	17	distinguish	distinguish	VERB
cjfa-20424	77	18	opening	opening	NOUN
cjfa-20424	77	19	of	of	ADP
cjfa-20424	77	20	a	a	DET
cjfa-20424	77	21	more	more	ADV
cjfa-20424	77	22	expensive	expensive	ADJ
cjfa-20424	77	23	bank	bank	NOUN
cjfa-20424	77	24	account	account	NOUN
cjfa-20424	77	25	with	with	ADP
cjfa-20424	77	26	greater	great	ADJ
cjfa-20424	77	27	functionality	functionality	NOUN
cjfa-20424	77	28	and	and	CCONJ
cjfa-20424	77	29	credit	credit	NOUN
cjfa-20424	77	30	cards	card	NOUN
cjfa-20424	77	31	with	with	ADP
cjfa-20424	77	32	a	a	DET
cjfa-20424	77	33	higher	high	ADJ
cjfa-20424	77	34	limit	limit	NOUN
cjfa-20424	77	35	,	,	PUNCT
cjfa-20424	77	36	the	the	DET
cjfa-20424	77	37	use	use	NOUN
cjfa-20424	77	38	of	of	ADP
cjfa-20424	77	39	which	which	PRON
cjfa-20424	77	40	accrues	accrue	VERB
cjfa-20424	77	41	numerous	numerous	ADJ
cjfa-20424	77	42	discounts	discount	NOUN
cjfa-20424	77	43	and	and	CCONJ
cjfa-20424	77	44	benefits	benefit	NOUN
cjfa-20424	77	45	.	.	PUNCT
cjfa-20424	78	1	however	however	ADV
cjfa-20424	78	2	,	,	PUNCT
cjfa-20424	78	3	the	the	DET
cjfa-20424	78	4	most	most	ADV
cjfa-20424	78	5	popular	popular	ADJ
cjfa-20424	78	6	up	up	ADP
cjfa-20424	78	7	selling	selling	NOUN
cjfa-20424	78	8	is	be	AUX
cjfa-20424	78	9	used	use	VERB
cjfa-20424	78	10	for	for	ADP
cjfa-20424	78	11	the	the	DET
cjfa-20424	78	12	sale	sale	NOUN
cjfa-20424	78	13	of	of	ADP
cjfa-20424	78	14	savings	saving	NOUN
cjfa-20424	78	15	products	product	NOUN
cjfa-20424	78	16	,	,	PUNCT
cjfa-20424	78	17	because	because	SCONJ
cjfa-20424	78	18	currently	currently	ADV
cjfa-20424	78	19	offered	offer	VERB
cjfa-20424	78	20	deposits	deposit	NOUN
cjfa-20424	78	21	and	and	CCONJ
cjfa-20424	78	22	savings	saving	NOUN
cjfa-20424	78	23	accounts	account	NOUN
cjfa-20424	78	24	are	be	AUX
cjfa-20424	78	25	low	low	ADJ
cjfa-20424	78	26	-	-	PUNCT
cjfa-20424	78	27	income	income	NOUN
cjfa-20424	78	28	products	product	NOUN
cjfa-20424	78	29	.	.	PUNCT
cjfa-20424	79	1	therefore	therefore	ADV
cjfa-20424	79	2	,	,	PUNCT
cjfa-20424	79	3	it	it	PRON
cjfa-20424	79	4	is	be	AUX
cjfa-20424	79	5	more	more	ADV
cjfa-20424	79	6	convenient	convenient	ADJ
cjfa-20424	79	7	to	to	PART
cjfa-20424	79	8	buy	buy	VERB
cjfa-20424	79	9	structured	structured	ADJ
cjfa-20424	79	10	deposits	deposit	NOUN
cjfa-20424	79	11	or	or	CCONJ
cjfa-20424	79	12	investment	investment	NOUN
cjfa-20424	79	13	funds	fund	NOUN
cjfa-20424	79	14	(	(	PUNCT
cjfa-20424	79	15	próchnicki	próchnicki	NOUN
cjfa-20424	79	16	,	,	PUNCT
cjfa-20424	79	17	2014	2014	NUM
cjfa-20424	79	18	)	)	PUNCT
cjfa-20424	79	19	.	.	PUNCT
cjfa-20424	80	1	one	one	NUM
cjfa-20424	80	2	of	of	ADP
cjfa-20424	80	3	the	the	DET
cjfa-20424	80	4	principles	principle	NOUN
cjfa-20424	80	5	of	of	ADP
cjfa-20424	80	6	up	up	ADV
cjfa-20424	80	7	-	-	PUNCT
cjfa-20424	80	8	selling	selling	NOUN
cjfa-20424	80	9	is	be	AUX
cjfa-20424	80	10	the	the	DET
cjfa-20424	80	11	fact	fact	NOUN
cjfa-20424	80	12	that	that	SCONJ
cjfa-20424	80	13	it	it	PRON
cjfa-20424	80	14	is	be	AUX
cjfa-20424	80	15	used	use	VERB
cjfa-20424	80	16	when	when	SCONJ
cjfa-20424	80	17	the	the	DET
cjfa-20424	80	18	customer	customer	NOUN
cjfa-20424	80	19	has	have	AUX
cjfa-20424	80	20	not	not	PART
cjfa-20424	80	21	yet	yet	ADV
cjfa-20424	80	22	purchased	purchase	VERB
cjfa-20424	80	23	the	the	DET
cjfa-20424	80	24	basic	basic	ADJ
cjfa-20424	80	25	product	product	NOUN
cjfa-20424	80	26	and	and	CCONJ
cjfa-20424	80	27	the	the	DET
cjfa-20424	80	28	purchase	purchase	NOUN
cjfa-20424	80	29	transaction	transaction	NOUN
cjfa-20424	80	30	has	have	AUX
cjfa-20424	80	31	not	not	PART
cjfa-20424	80	32	ended	end	VERB
cjfa-20424	80	33	.	.	PUNCT
cjfa-20424	81	1	it	it	PRON
cjfa-20424	81	2	means	mean	VERB
cjfa-20424	81	3	that	that	SCONJ
cjfa-20424	81	4	the	the	DET
cjfa-20424	81	5	technique	technique	NOUN
cjfa-20424	81	6	consists	consist	VERB
cjfa-20424	81	7	in	in	ADP
cjfa-20424	81	8	proposing	propose	VERB
cjfa-20424	81	9	a	a	DET
cjfa-20424	81	10	product	product	NOUN
cjfa-20424	81	11	equipped	equip	VERB
cjfa-20424	81	12	with	with	ADP
cjfa-20424	81	13	additional	additional	ADJ
cjfa-20424	81	14	functions	function	NOUN
cjfa-20424	81	15	or	or	CCONJ
cjfa-20424	81	16	higher	high	ADJ
cjfa-20424	81	17	quality	quality	NOUN
cjfa-20424	81	18	than	than	ADP
cjfa-20424	81	19	basic	basic	ADJ
cjfa-20424	81	20	product	product	NOUN
cjfa-20424	81	21	that	that	PRON
cjfa-20424	81	22	the	the	DET
cjfa-20424	81	23	customer	customer	NOUN
cjfa-20424	81	24	was	be	AUX
cjfa-20424	81	25	interested	interested	ADJ
cjfa-20424	81	26	in	in	ADP
cjfa-20424	81	27	.	.	PUNCT
cjfa-20424	82	1	financial	financial	ADJ
cjfa-20424	82	2	institutions	institution	NOUN
cjfa-20424	82	3	are	be	AUX
cjfa-20424	82	4	less	less	ADV
cjfa-20424	82	5	likely	likely	ADJ
cjfa-20424	82	6	to	to	PART
cjfa-20424	82	7	use	use	VERB
cjfa-20424	82	8	upselling	upselling	NOUN
cjfa-20424	82	9	because	because	SCONJ
cjfa-20424	82	10	up	up	ADP
cjfa-20424	82	11	selling	selling	NOUN
cjfa-20424	82	12	is	be	AUX
cjfa-20424	82	13	more	more	ADV
cjfa-20424	82	14	risky	risky	ADJ
cjfa-20424	82	15	than	than	ADP
cjfa-20424	82	16	cross	cross	VERB
cjfa-20424	82	17	selling	selling	NOUN
cjfa-20424	82	18	.	.	PUNCT
cjfa-20424	83	1	an	an	DET
cjfa-20424	83	2	attempt	attempt	NOUN
cjfa-20424	83	3	to	to	PART
cjfa-20424	83	4	sell	sell	VERB
cjfa-20424	83	5	a	a	DET
cjfa-20424	83	6	more	more	ADV
cjfa-20424	83	7	expensive	expensive	ADJ
cjfa-20424	83	8	product	product	NOUN
cjfa-20424	83	9	may	may	AUX
cjfa-20424	83	10	discourage	discourage	VERB
cjfa-20424	83	11	the	the	DET
cjfa-20424	83	12	customer	customer	NOUN
cjfa-20424	83	13	enough	enough	ADV
cjfa-20424	83	14	that	that	SCONJ
cjfa-20424	83	15	he	he	PRON
cjfa-20424	83	16	or	or	CCONJ
cjfa-20424	83	17	her	she	PRON
cjfa-20424	83	18	will	will	AUX
cjfa-20424	83	19	completely	completely	ADV
cjfa-20424	83	20	abandon	abandon	VERB
cjfa-20424	83	21	this	this	DET
cjfa-20424	83	22	purchase	purchase	NOUN
cjfa-20424	83	23	.	.	PUNCT
cjfa-20424	84	1	it	it	PRON
cjfa-20424	84	2	is	be	AUX
cjfa-20424	84	3	important	important	ADJ
cjfa-20424	84	4	that	that	SCONJ
cjfa-20424	84	5	the	the	DET
cjfa-20424	84	6	sales	sale	NOUN
cjfa-20424	84	7	process	process	NOUN
cjfa-20424	84	8	with	with	ADP
cjfa-20424	84	9	this	this	DET
cjfa-20424	84	10	technique	technique	NOUN
cjfa-20424	84	11	is	be	AUX
cjfa-20424	84	12	carried	carry	VERB
cjfa-20424	84	13	out	out	ADP
cjfa-20424	84	14	slowly	slowly	ADV
cjfa-20424	84	15	and	and	CCONJ
cjfa-20424	84	16	customer	customer	NOUN
cjfa-20424	84	17	's	's	PART
cjfa-20424	84	18	reaction	reaction	NOUN
cjfa-20424	84	19	is	be	AUX
cjfa-20424	84	20	observed	observe	VERB
cjfa-20424	84	21	(	(	PUNCT
cjfa-20424	84	22	próchnicki	próchnicki	ADJ
cjfa-20424	84	23	,	,	PUNCT
cjfa-20424	84	24	2014	2014	NUM
cjfa-20424	84	25	)	)	PUNCT
cjfa-20424	84	26	.	.	PUNCT
cjfa-20424	85	1	guidelines	guideline	NOUN
cjfa-20424	85	2	on	on	ADP
cjfa-20424	85	3	cross	cross	ADJ
cjfa-20424	85	4	-	-	ADJ
cjfa-20424	85	5	selling	selling	ADJ
cjfa-20424	85	6	practices	practice	NOUN
cjfa-20424	85	7	in	in	ADP
cjfa-20424	85	8	2016	2016	NUM
cjfa-20424	85	9	,	,	PUNCT
cjfa-20424	85	10	the	the	DET
cjfa-20424	85	11	european	european	PROPN
cjfa-20424	85	12	securities	securities	PROPN
cjfa-20424	85	13	and	and	CCONJ
cjfa-20424	85	14	markets	market	NOUN
cjfa-20424	85	15	authority	authority	NOUN
cjfa-20424	85	16	,	,	PUNCT
cjfa-20424	85	17	esma	esma	PROPN
cjfa-20424	85	18	,	,	PUNCT
cjfa-20424	85	19	issued	issue	VERB
cjfa-20424	85	20	guidelines	guideline	NOUN
cjfa-20424	85	21	on	on	ADP
cjfa-20424	85	22	cross	cross	ADJ
cjfa-20424	85	23	-	-	ADJ
cjfa-20424	85	24	selling	selling	ADJ
cjfa-20424	85	25	practices	practice	NOUN
cjfa-20424	85	26	.	.	PUNCT
cjfa-20424	86	1	the	the	DET
cjfa-20424	86	2	main	main	ADJ
cjfa-20424	86	3	purpose	purpose	NOUN
cjfa-20424	86	4	of	of	ADP
cjfa-20424	86	5	the	the	DET
cjfa-20424	86	6	document	document	NOUN
cjfa-20424	86	7	is	be	AUX
cjfa-20424	86	8	to	to	PART
cjfa-20424	86	9	protect	protect	VERB
cjfa-20424	86	10	investors	investor	NOUN
cjfa-20424	86	11	in	in	ADP
cjfa-20424	86	12	eu	eu	PROPN
cjfa-20424	86	13	countries	country	NOUN
cjfa-20424	86	14	.	.	PUNCT
cjfa-20424	87	1	the	the	DET
cjfa-20424	87	2	guidelines	guideline	NOUN
cjfa-20424	87	3	are	be	AUX
cjfa-20424	87	4	designed	design	VERB
cjfa-20424	87	5	to	to	PART
cjfa-20424	87	6	develop	develop	VERB
cjfa-20424	87	7	a	a	DET
cjfa-20424	87	8	coherent	coherent	ADJ
cjfa-20424	87	9	and	and	CCONJ
cjfa-20424	87	10	effective	effective	ADJ
cjfa-20424	87	11	approach	approach	NOUN
cjfa-20424	87	12	to	to	ADP
cjfa-20424	87	13	the	the	DET
cjfa-20424	87	14	supervision	supervision	NOUN
cjfa-20424	87	15	of	of	ADP
cjfa-20424	87	16	companies	company	NOUN
cjfa-20424	87	17	and	and	CCONJ
cjfa-20424	87	18	to	to	PART
cjfa-20424	87	19	understand	understand	VERB
cjfa-20424	87	20	expectations	expectation	NOUN
cjfa-20424	87	21	in	in	ADP
cjfa-20424	87	22	the	the	DET
cjfa-20424	87	23	field	field	NOUN
cjfa-20424	87	24	of	of	ADP
cjfa-20424	87	25	standards	standard	NOUN
cjfa-20424	87	26	and	and	CCONJ
cjfa-20424	87	27	organizational	organizational	ADJ
cjfa-20424	87	28	solutions	solution	NOUN
cjfa-20424	87	29	among	among	ADP
cjfa-20424	87	30	institutions	institution	NOUN
cjfa-20424	87	31	that	that	PRON
cjfa-20424	87	32	use	use	VERB
cjfa-20424	87	33	cross	cross	ADJ
cjfa-20424	87	34	-	-	ADJ
cjfa-20424	87	35	selling	selling	NOUN
cjfa-20424	87	36	.	.	PUNCT
cjfa-20424	88	1	the	the	DET
cjfa-20424	88	2	guidelines	guideline	NOUN
cjfa-20424	88	3	relate	relate	VERB
cjfa-20424	88	4	to	to	ADP
cjfa-20424	88	5	the	the	DET
cjfa-20424	88	6	mifid	mifid	ADJ
cjfa-20424	88	7	ii	ii	PROPN
cjfa-20424	88	8	directive	directive	NOUN
cjfa-20424	88	9	(	(	PUNCT
cjfa-20424	88	10	markets	market	NOUN
cjfa-20424	88	11	in	in	ADP
cjfa-20424	88	12	financial	financial	ADJ
cjfa-20424	88	13	instruments	instrument	NOUN
cjfa-20424	88	14	directive	directive	NOUN
cjfa-20424	88	15	)	)	PUNCT
cjfa-20424	88	16	,	,	PUNCT
cjfa-20424	88	17	and	and	CCONJ
cjfa-20424	88	18	therefore	therefore	ADV
cjfa-20424	88	19	apply	apply	VERB
cjfa-20424	88	20	to	to	ADP
cjfa-20424	88	21	offering	offer	VERB
cjfa-20424	88	22	investment	investment	NOUN
cjfa-20424	88	23	products	product	NOUN
cjfa-20424	88	24	in	in	ADP
cjfa-20424	88	25	combination	combination	NOUN
cjfa-20424	88	26	with	with	ADP
cjfa-20424	88	27	another	another	DET
cjfa-20424	88	28	product	product	NOUN
cjfa-20424	88	29	or	or	CCONJ
cjfa-20424	88	30	service	service	NOUN
cjfa-20424	88	31	.	.	PUNCT
cjfa-20424	89	1	however	however	ADV
cjfa-20424	89	2	,	,	PUNCT
cjfa-20424	89	3	the	the	DET
cjfa-20424	89	4	possibility	possibility	NOUN
cjfa-20424	89	5	of	of	ADP
cjfa-20424	89	6	using	use	VERB
cjfa-20424	89	7	this	this	DET
cjfa-20424	89	8	document	document	NOUN
cjfa-20424	89	9	when	when	SCONJ
cjfa-20424	89	10	offering	offer	VERB
cjfa-20424	89	11	other	other	ADJ
cjfa-20424	89	12	products	product	NOUN
cjfa-20424	89	13	is	be	AUX
cjfa-20424	89	14	not	not	PART
cjfa-20424	89	15	excluded	exclude	VERB
cjfa-20424	89	16	,	,	PUNCT
cjfa-20424	89	17	unless	unless	SCONJ
cjfa-20424	89	18	there	there	PRON
cjfa-20424	89	19	are	be	VERB
cjfa-20424	89	20	separate	separate	ADJ
cjfa-20424	89	21	regulations	regulation	NOUN
cjfa-20424	89	22	that	that	PRON
cjfa-20424	89	23	say	say	VERB
cjfa-20424	89	24	differently	differently	ADV
cjfa-20424	89	25	.	.	PUNCT
cjfa-20424	90	1	julia	julia	PROPN
cjfa-20424	90	2	kwiatkowska64	kwiatkowska64	PROPN
cjfa-20424	90	3	table	table	PROPN
cjfa-20424	90	4	1	1	NUM
cjfa-20424	90	5	.	.	PUNCT
cjfa-20424	91	1	esma	esma	PROPN
cjfa-20424	91	2	guidelines	guideline	NOUN
cjfa-20424	91	3	on	on	ADP
cjfa-20424	91	4	cross	cross	ADJ
cjfa-20424	91	5	-	-	ADJ
cjfa-20424	91	6	selling	selling	ADJ
cjfa-20424	91	7	practices	practice	NOUN
cjfa-20424	91	8	guideline	guideline	VERB
cjfa-20424	91	9	1	1	NUM
cjfa-20424	91	10	the	the	DET
cjfa-20424	91	11	guideline	guideline	NOUN
cjfa-20424	91	12	obliges	oblige	VERB
cjfa-20424	91	13	to	to	PART
cjfa-20424	91	14	inform	inform	VERB
cjfa-20424	91	15	customers	customer	NOUN
cjfa-20424	91	16	about	about	ADP
cjfa-20424	91	17	the	the	DET
cjfa-20424	91	18	prices	price	NOUN
cjfa-20424	91	19	of	of	ADP
cjfa-20424	91	20	sold	sell	VERB
cjfa-20424	91	21	packages	package	NOUN
cjfa-20424	91	22	and	and	CCONJ
cjfa-20424	91	23	the	the	DET
cjfa-20424	91	24	individual	individual	ADJ
cjfa-20424	91	25	prices	price	NOUN
cjfa-20424	91	26	of	of	ADP
cjfa-20424	91	27	products	product	NOUN
cjfa-20424	91	28	making	make	VERB
cjfa-20424	91	29	up	up	ADP
cjfa-20424	91	30	the	the	DET
cjfa-20424	91	31	package	package	NOUN
cjfa-20424	91	32	.	.	PUNCT
cjfa-20424	92	1	moreover	moreover	ADV
cjfa-20424	92	2	,	,	PUNCT
cjfa-20424	92	3	institutions	institution	NOUN
cjfa-20424	92	4	that	that	PRON
cjfa-20424	92	5	use	use	VERB
cjfa-20424	92	6	cross	cross	ADJ
cjfa-20424	92	7	-	-	ADJ
cjfa-20424	92	8	selling	selling	NOUN
cjfa-20424	92	9	should	should	AUX
cjfa-20424	92	10	prepare	prepare	VERB
cjfa-20424	92	11	summaries	summary	NOUN
cjfa-20424	92	12	and	and	CCONJ
cjfa-20424	92	13	summaries	summary	NOUN
cjfa-20424	92	14	of	of	ADP
cjfa-20424	92	15	all	all	DET
cjfa-20424	92	16	known	know	VERB
cjfa-20424	92	17	and	and	CCONJ
cjfa-20424	92	18	significant	significant	ADJ
cjfa-20424	92	19	costs	cost	NOUN
cjfa-20424	92	20	related	relate	VERB
cjfa-20424	92	21	to	to	ADP
cjfa-20424	92	22	the	the	DET
cjfa-20424	92	23	purchase	purchase	NOUN
cjfa-20424	92	24	of	of	ADP
cjfa-20424	92	25	products	product	NOUN
cjfa-20424	92	26	both	both	CCONJ
cjfa-20424	92	27	in	in	ADP
cjfa-20424	92	28	the	the	DET
cjfa-20424	92	29	form	form	NOUN
cjfa-20424	92	30	of	of	ADP
cjfa-20424	92	31	a	a	DET
cjfa-20424	92	32	package	package	NOUN
cjfa-20424	92	33	and	and	CCONJ
cjfa-20424	92	34	separately	separately	ADV
cjfa-20424	92	35	.	.	PUNCT
cjfa-20424	93	1	guideline	guideline	NOUN
cjfa-20424	93	2	2	2	NUM
cjfa-20424	93	3	the	the	DET
cjfa-20424	93	4	guideline	guideline	NOUN
cjfa-20424	93	5	obliges	oblige	VERB
cjfa-20424	93	6	financial	financial	ADJ
cjfa-20424	93	7	institutions	institution	NOUN
cjfa-20424	93	8	to	to	PART
cjfa-20424	93	9	provide	provide	VERB
cjfa-20424	93	10	timely	timely	ADJ
cjfa-20424	93	11	information	information	NOUN
cjfa-20424	93	12	about	about	ADP
cjfa-20424	93	13	price	price	NOUN
cjfa-20424	93	14	and	and	CCONJ
cjfa-20424	93	15	costs	cost	NOUN
cjfa-20424	93	16	so	so	SCONJ
cjfa-20424	93	17	that	that	SCONJ
cjfa-20424	93	18	the	the	DET
cjfa-20424	93	19	customer	customer	NOUN
cjfa-20424	93	20	can	can	AUX
cjfa-20424	93	21	make	make	VERB
cjfa-20424	93	22	a	a	DET
cjfa-20424	93	23	decision	decision	NOUN
cjfa-20424	93	24	about	about	ADP
cjfa-20424	93	25	buying	buy	VERB
cjfa-20424	93	26	in	in	ADP
cjfa-20424	93	27	a	a	DET
cjfa-20424	93	28	conscious	conscious	ADJ
cjfa-20424	93	29	manner	manner	NOUN
cjfa-20424	93	30	.	.	PUNCT
cjfa-20424	94	1	guideline	guideline	NOUN
cjfa-20424	94	2	3	3	NUM
cjfa-20424	94	3	the	the	DET
cjfa-20424	94	4	guideline	guideline	NOUN
cjfa-20424	94	5	obliges	oblige	VERB
cjfa-20424	94	6	financial	financial	ADJ
cjfa-20424	94	7	institutions	institution	NOUN
cjfa-20424	94	8	to	to	PART
cjfa-20424	94	9	provide	provide	VERB
cjfa-20424	94	10	transparent	transparent	ADJ
cjfa-20424	94	11	and	and	CCONJ
cjfa-20424	94	12	precise	precise	ADJ
cjfa-20424	94	13	information	information	NOUN
cjfa-20424	94	14	,	,	PUNCT
cjfa-20424	94	15	as	as	ADV
cjfa-20424	94	16	well	well	ADV
cjfa-20424	94	17	as	as	ADP
cjfa-20424	94	18	to	to	PART
cjfa-20424	94	19	use	use	VERB
cjfa-20424	94	20	a	a	DET
cjfa-20424	94	21	simple	simple	ADJ
cjfa-20424	94	22	language	language	NOUN
cjfa-20424	94	23	that	that	PRON
cjfa-20424	94	24	will	will	AUX
cjfa-20424	94	25	be	be	AUX
cjfa-20424	94	26	understandable	understandable	ADJ
cjfa-20424	94	27	for	for	ADP
cjfa-20424	94	28	each	each	DET
cjfa-20424	94	29	client	client	NOUN
cjfa-20424	94	30	.	.	PUNCT
cjfa-20424	95	1	additionally	additionally	ADV
cjfa-20424	95	2	,	,	PUNCT
cjfa-20424	95	3	it	it	PRON
cjfa-20424	95	4	obliges	oblige	VERB
cjfa-20424	95	5	to	to	PART
cjfa-20424	95	6	display	display	VERB
cjfa-20424	95	7	information	information	NOUN
cjfa-20424	95	8	about	about	ADP
cjfa-20424	95	9	prices	price	NOUN
cjfa-20424	95	10	and	and	CCONJ
cjfa-20424	95	11	costs	cost	NOUN
cjfa-20424	95	12	of	of	ADP
cjfa-20424	95	13	products	product	NOUN
cjfa-20424	95	14	included	include	VERB
cjfa-20424	95	15	in	in	ADP
cjfa-20424	95	16	the	the	DET
cjfa-20424	95	17	package	package	NOUN
cjfa-20424	95	18	.	.	PUNCT
cjfa-20424	96	1	guideline	guideline	NOUN
cjfa-20424	96	2	4	4	NUM
cjfa-20424	96	3	the	the	DET
cjfa-20424	96	4	guideline	guideline	NOUN
cjfa-20424	96	5	obliges	oblige	VERB
cjfa-20424	96	6	institutions	institution	NOUN
cjfa-20424	96	7	to	to	PART
cjfa-20424	96	8	provide	provide	VERB
cjfa-20424	96	9	information	information	NOUN
cjfa-20424	96	10	on	on	ADP
cjfa-20424	96	11	prices	price	NOUN
cjfa-20424	96	12	and	and	CCONJ
cjfa-20424	96	13	costs	cost	NOUN
cjfa-20424	96	14	in	in	ADP
cjfa-20424	96	15	such	such	DET
cjfa-20424	96	16	a	a	DET
cjfa-20424	96	17	way	way	NOUN
cjfa-20424	96	18	as	as	SCONJ
cjfa-20424	96	19	not	not	PART
cjfa-20424	96	20	to	to	PART
cjfa-20424	96	21	mislead	mislead	VERB
cjfa-20424	96	22	customers	customer	NOUN
cjfa-20424	96	23	and	and	CCONJ
cjfa-20424	96	24	to	to	PART
cjfa-20424	96	25	hide	hide	VERB
cjfa-20424	96	26	real	real	ADJ
cjfa-20424	96	27	costs	cost	NOUN
cjfa-20424	96	28	.	.	PUNCT
cjfa-20424	97	1	in	in	ADP
cjfa-20424	97	2	addition	addition	NOUN
cjfa-20424	97	3	,	,	PUNCT
cjfa-20424	97	4	information	information	NOUN
cjfa-20424	97	5	provided	provide	VERB
cjfa-20424	97	6	to	to	ADP
cjfa-20424	97	7	customers	customer	NOUN
cjfa-20424	97	8	is	be	AUX
cjfa-20424	97	9	to	to	PART
cjfa-20424	97	10	give	give	VERB
cjfa-20424	97	11	the	the	DET
cjfa-20424	97	12	opportunity	opportunity	NOUN
cjfa-20424	97	13	to	to	PART
cjfa-20424	97	14	compare	compare	VERB
cjfa-20424	97	15	costs	cost	NOUN
cjfa-20424	97	16	with	with	ADP
cjfa-20424	97	17	alternative	alternative	ADJ
cjfa-20424	97	18	products	product	NOUN
cjfa-20424	97	19	.	.	PUNCT
cjfa-20424	98	1	guideline	guideline	NOUN
cjfa-20424	98	2	5	5	NUM
cjfa-20424	98	3	the	the	DET
cjfa-20424	98	4	guideline	guideline	NOUN
cjfa-20424	98	5	obliges	oblige	VERB
cjfa-20424	98	6	institutions	institution	NOUN
cjfa-20424	98	7	to	to	PART
cjfa-20424	98	8	provide	provide	VERB
cjfa-20424	98	9	information	information	NOUN
cjfa-20424	98	10	on	on	ADP
cjfa-20424	98	11	non	non	ADJ
cjfa-20424	98	12	-	-	ADJ
cjfa-20424	98	13	price	price	ADJ
cjfa-20424	98	14	components	component	NOUN
cjfa-20424	98	15	and	and	CCONJ
cjfa-20424	98	16	risks	risk	NOUN
cjfa-20424	98	17	that	that	PRON
cjfa-20424	98	18	are	be	AUX
cjfa-20424	98	19	associated	associate	VERB
cjfa-20424	98	20	with	with	ADP
cjfa-20424	98	21	products	product	NOUN
cjfa-20424	98	22	purchased	purchase	VERB
cjfa-20424	98	23	both	both	PRON
cjfa-20424	98	24	in	in	ADP
cjfa-20424	98	25	a	a	DET
cjfa-20424	98	26	package	package	NOUN
cjfa-20424	98	27	and	and	CCONJ
cjfa-20424	98	28	separately	separately	ADV
cjfa-20424	98	29	.	.	PUNCT
cjfa-20424	99	1	guideline	guideline	NOUN
cjfa-20424	99	2	6	6	NUM
cjfa-20424	99	3	the	the	DET
cjfa-20424	99	4	guideline	guideline	NOUN
cjfa-20424	99	5	obliges	oblige	VERB
cjfa-20424	99	6	to	to	PART
cjfa-20424	99	7	display	display	VERB
cjfa-20424	99	8	information	information	NOUN
cjfa-20424	99	9	on	on	ADP
cjfa-20424	99	10	non	non	ADJ
cjfa-20424	99	11	-	-	ADJ
cjfa-20424	99	12	price	price	ADJ
cjfa-20424	99	13	elements	element	NOUN
cjfa-20424	99	14	and	and	CCONJ
cjfa-20424	99	15	risk	risk	NOUN
cjfa-20424	99	16	in	in	ADP
cjfa-20424	99	17	a	a	DET
cjfa-20424	99	18	manner	manner	NOUN
cjfa-20424	99	19	no	no	ADV
cjfa-20424	99	20	less	less	ADV
cjfa-20424	99	21	visible	visible	ADJ
cjfa-20424	99	22	than	than	ADP
cjfa-20424	99	23	information	information	NOUN
cjfa-20424	99	24	on	on	ADP
cjfa-20424	99	25	prices	price	NOUN
cjfa-20424	99	26	and	and	CCONJ
cjfa-20424	99	27	costs	cost	NOUN
cjfa-20424	99	28	,	,	PUNCT
cjfa-20424	99	29	as	as	ADV
cjfa-20424	99	30	well	well	ADV
cjfa-20424	99	31	as	as	ADP
cjfa-20424	99	32	to	to	PART
cjfa-20424	99	33	use	use	VERB
cjfa-20424	99	34	a	a	DET
cjfa-20424	99	35	simple	simple	ADJ
cjfa-20424	99	36	language	language	NOUN
cjfa-20424	99	37	that	that	PRON
cjfa-20424	99	38	is	be	AUX
cjfa-20424	99	39	understandable	understandable	ADJ
cjfa-20424	99	40	to	to	ADP
cjfa-20424	99	41	clients	client	NOUN
cjfa-20424	99	42	.	.	PUNCT
cjfa-20424	100	1	guideline	guideline	NOUN
cjfa-20424	100	2	7	7	NUM
cjfa-20424	100	3	the	the	DET
cjfa-20424	100	4	guideline	guideline	NOUN
cjfa-20424	100	5	requires	require	VERB
cjfa-20424	100	6	informing	inform	VERB
cjfa-20424	100	7	customers	customer	NOUN
cjfa-20424	100	8	about	about	ADP
cjfa-20424	100	9	the	the	DET
cjfa-20424	100	10	possibility	possibility	NOUN
cjfa-20424	100	11	of	of	ADP
cjfa-20424	100	12	purchasing	purchase	VERB
cjfa-20424	100	13	selected	select	VERB
cjfa-20424	100	14	products	product	NOUN
cjfa-20424	100	15	separately	separately	ADV
cjfa-20424	100	16	,	,	PUNCT
cjfa-20424	100	17	not	not	PART
cjfa-20424	100	18	only	only	ADV
cjfa-20424	100	19	in	in	ADP
cjfa-20424	100	20	the	the	DET
cjfa-20424	100	21	form	form	NOUN
cjfa-20424	100	22	of	of	ADP
cjfa-20424	100	23	a	a	DET
cjfa-20424	100	24	package	package	NOUN
cjfa-20424	100	25	.	.	PUNCT
cjfa-20424	101	1	with	with	ADP
cjfa-20424	101	2	this	this	DET
cjfa-20424	101	3	information	information	NOUN
cjfa-20424	101	4	,	,	PUNCT
cjfa-20424	101	5	the	the	DET
cjfa-20424	101	6	customer	customer	NOUN
cjfa-20424	101	7	is	be	AUX
cjfa-20424	101	8	to	to	PART
cjfa-20424	101	9	decide	decide	VERB
cjfa-20424	101	10	consciously	consciously	ADV
cjfa-20424	101	11	whether	whether	SCONJ
cjfa-20424	101	12	he	he	PRON
cjfa-20424	101	13	will	will	AUX
cjfa-20424	101	14	purchase	purchase	VERB
cjfa-20424	101	15	the	the	DET
cjfa-20424	101	16	products	product	NOUN
cjfa-20424	101	17	in	in	ADP
cjfa-20424	101	18	the	the	DET
cjfa-20424	101	19	package	package	NOUN
cjfa-20424	101	20	or	or	CCONJ
cjfa-20424	101	21	separately	separately	ADV
cjfa-20424	101	22	and	and	CCONJ
cjfa-20424	101	23	whether	whether	SCONJ
cjfa-20424	101	24	it	it	PRON
cjfa-20424	101	25	is	be	AUX
cjfa-20424	101	26	necessary	necessary	ADJ
cjfa-20424	101	27	to	to	PART
cjfa-20424	101	28	purchase	purchase	VERB
cjfa-20424	101	29	one	one	NUM
cjfa-20424	101	30	of	of	ADP
cjfa-20424	101	31	the	the	DET
cjfa-20424	101	32	component	component	NOUN
cjfa-20424	101	33	products	product	NOUN
cjfa-20424	101	34	.	.	PUNCT
cjfa-20424	102	1	in	in	ADP
cjfa-20424	102	2	addition	addition	NOUN
cjfa-20424	102	3	,	,	PUNCT
cjfa-20424	102	4	the	the	DET
cjfa-20424	102	5	directive	directive	NOUN
cjfa-20424	102	6	obliges	oblige	VERB
cjfa-20424	102	7	institutions	institution	NOUN
cjfa-20424	102	8	not	not	PART
cjfa-20424	102	9	to	to	PART
cjfa-20424	102	10	create	create	VERB
cjfa-20424	102	11	an	an	DET
cjfa-20424	102	12	artificial	artificial	ADJ
cjfa-20424	102	13	impression	impression	NOUN
cjfa-20424	102	14	that	that	SCONJ
cjfa-20424	102	15	the	the	DET
cjfa-20424	102	16	purchase	purchase	NOUN
cjfa-20424	102	17	of	of	ADP
cjfa-20424	102	18	a	a	DET
cjfa-20424	102	19	package	package	NOUN
cjfa-20424	102	20	is	be	AUX
cjfa-20424	102	21	mandatory	mandatory	ADJ
cjfa-20424	102	22	,	,	PUNCT
cjfa-20424	102	23	if	if	SCONJ
cjfa-20424	102	24	in	in	ADP
cjfa-20424	102	25	fact	fact	NOUN
cjfa-20424	102	26	it	it	PRON
cjfa-20424	102	27	is	be	AUX
cjfa-20424	102	28	possible	possible	ADJ
cjfa-20424	102	29	to	to	PART
cjfa-20424	102	30	purchase	purchase	VERB
cjfa-20424	102	31	individual	individual	ADJ
cjfa-20424	102	32	products	product	NOUN
cjfa-20424	102	33	separately	separately	ADV
cjfa-20424	102	34	.	.	PUNCT
cjfa-20424	103	1	guideline	guideline	NOUN
cjfa-20424	103	2	8	8	NUM
cjfa-20424	103	3	the	the	DET
cjfa-20424	103	4	guideline	guideline	NOUN
cjfa-20424	103	5	obliges	oblige	VERB
cjfa-20424	103	6	institutions	institution	NOUN
cjfa-20424	103	7	to	to	PART
cjfa-20424	103	8	train	train	VERB
cjfa-20424	103	9	employees	employee	NOUN
cjfa-20424	103	10	who	who	PRON
cjfa-20424	103	11	will	will	AUX
cjfa-20424	103	12	use	use	VERB
cjfa-20424	103	13	cross	cross	ADJ
cjfa-20424	103	14	-	-	ADJ
cjfa-20424	103	15	selling	selling	NOUN
cjfa-20424	103	16	to	to	PART
cjfa-20424	103	17	familiarize	familiarize	VERB
cjfa-20424	103	18	them	they	PRON
cjfa-20424	103	19	with	with	ADP
cjfa-20424	103	20	the	the	DET
cjfa-20424	103	21	risks	risk	NOUN
cjfa-20424	103	22	and	and	CCONJ
cjfa-20424	103	23	the	the	DET
cjfa-20424	103	24	nature	nature	NOUN
cjfa-20424	103	25	of	of	ADP
cjfa-20424	103	26	bundling	bundle	VERB
cjfa-20424	103	27	.	.	PUNCT
cjfa-20424	104	1	guideline	guideline	NOUN
cjfa-20424	104	2	9	9	NUM
cjfa-20424	104	3	the	the	DET
cjfa-20424	104	4	guideline	guideline	NOUN
cjfa-20424	104	5	obliges	oblige	VERB
cjfa-20424	104	6	to	to	PART
cjfa-20424	104	7	introduce	introduce	VERB
cjfa-20424	104	8	the	the	DET
cjfa-20424	104	9	remuneration	remuneration	NOUN
cjfa-20424	104	10	models	model	NOUN
cjfa-20424	104	11	in	in	ADP
cjfa-20424	104	12	the	the	DET
cjfa-20424	104	13	form	form	NOUN
cjfa-20424	104	14	of	of	ADP
cjfa-20424	104	15	incentives	incentive	NOUN
cjfa-20424	104	16	or	or	CCONJ
cjfa-20424	104	17	rewards	reward	NOUN
cjfa-20424	104	18	received	receive	VERB
cjfa-20424	104	19	for	for	ADP
cjfa-20424	104	20	responsible	responsible	ADJ
cjfa-20424	104	21	,	,	PUNCT
cjfa-20424	104	22	fair	fair	ADJ
cjfa-20424	104	23	treatment	treatment	NOUN
cjfa-20424	104	24	of	of	ADP
cjfa-20424	104	25	clients	client	NOUN
cjfa-20424	104	26	.	.	PUNCT
cjfa-20424	105	1	guideline	guideline	NOUN
cjfa-20424	105	2	10	10	NUM
cjfa-20424	105	3	the	the	DET
cjfa-20424	105	4	guideline	guideline	NOUN
cjfa-20424	105	5	obliges	oblige	VERB
cjfa-20424	105	6	to	to	PART
cjfa-20424	105	7	inform	inform	VERB
cjfa-20424	105	8	about	about	ADP
cjfa-20424	105	9	withdrawal	withdrawal	NOUN
cjfa-20424	105	10	periods	period	NOUN
cjfa-20424	105	11	when	when	SCONJ
cjfa-20424	105	12	purchasing	purchase	VERB
cjfa-20424	105	13	products	product	NOUN
cjfa-20424	105	14	separately	separately	ADV
cjfa-20424	105	15	or	or	CCONJ
cjfa-20424	105	16	in	in	ADP
cjfa-20424	105	17	a	a	DET
cjfa-20424	105	18	package	package	NOUN
cjfa-20424	105	19	.	.	PUNCT
cjfa-20424	106	1	in	in	ADP
cjfa-20424	106	2	addition	addition	NOUN
cjfa-20424	106	3	,	,	PUNCT
cjfa-20424	106	4	it	it	PRON
cjfa-20424	106	5	is	be	AUX
cjfa-20424	106	6	proposed	propose	VERB
cjfa-20424	106	7	that	that	SCONJ
cjfa-20424	106	8	these	these	DET
cjfa-20424	106	9	periods	period	NOUN
cjfa-20424	106	10	should	should	AUX
cjfa-20424	106	11	be	be	AUX
cjfa-20424	106	12	the	the	DET
cjfa-20424	106	13	same	same	ADJ
cjfa-20424	106	14	for	for	ADP
cjfa-20424	106	15	bundling	bundle	VERB
cjfa-20424	106	16	and	and	CCONJ
cjfa-20424	106	17	for	for	ADP
cjfa-20424	106	18	selling	sell	VERB
cjfa-20424	106	19	products	product	NOUN
cjfa-20424	106	20	separately	separately	ADV
cjfa-20424	106	21	.	.	PUNCT
cjfa-20424	107	1	s	s	PART
cjfa-20424	107	2	o	o	X
cjfa-20424	107	3	u	u	NOUN
cjfa-20424	107	4	r	r	NOUN
cjfa-20424	107	5	c	c	NOUN
cjfa-20424	107	6	e	e	NOUN
cjfa-20424	107	7	:	:	PUNCT
cjfa-20424	107	8	own	own	ADJ
cjfa-20424	107	9	study	study	NOUN
cjfa-20424	107	10	based	base	VERB
cjfa-20424	107	11	on	on	ADP
cjfa-20424	107	12	:	:	PUNCT
cjfa-20424	107	13	european	european	ADJ
cjfa-20424	107	14	securities	security	NOUN
cjfa-20424	107	15	and	and	CCONJ
cjfa-20424	107	16	markets	market	NOUN
cjfa-20424	107	17	authority	authority	NOUN
cjfa-20424	107	18	,	,	PUNCT
cjfa-20424	107	19	2016	2016	NUM
cjfa-20424	107	20	.	.	PUNCT
cjfa-20424	108	1	the	the	DET
cjfa-20424	108	2	outcome	outcome	NOUN
cjfa-20424	108	3	of	of	ADP
cjfa-20424	108	4	the	the	DET
cjfa-20424	108	5	research	research	NOUN
cjfa-20424	108	6	process	process	NOUN
cjfa-20424	108	7	and	and	CCONJ
cjfa-20424	108	8	conclusions	conclusion	NOUN
cjfa-20424	108	9	150	150	NUM
cjfa-20424	108	10	respondents	respondent	NOUN
cjfa-20424	108	11	took	take	VERB
cjfa-20424	108	12	part	part	NOUN
cjfa-20424	108	13	in	in	ADP
cjfa-20424	108	14	the	the	DET
cjfa-20424	108	15	survey	survey	NOUN
cjfa-20424	108	16	.	.	PUNCT
cjfa-20424	109	1	the	the	DET
cjfa-20424	109	2	whole	whole	ADJ
cjfa-20424	109	3	group	group	NOUN
cjfa-20424	109	4	consisted	consist	VERB
cjfa-20424	109	5	of	of	ADP
cjfa-20424	109	6	ex	ex	PRON
cjfa-20424	109	7	or	or	CCONJ
cjfa-20424	109	8	current	current	ADJ
cjfa-20424	109	9	clients	client	NOUN
cjfa-20424	109	10	of	of	ADP
cjfa-20424	109	11	at	at	ADV
cjfa-20424	109	12	least	least	ADV
cjfa-20424	109	13	one	one	NUM
cjfa-20424	109	14	bank	bank	NOUN
cjfa-20424	109	15	.	.	PUNCT
cjfa-20424	110	1	the	the	DET
cjfa-20424	110	2	answers	answer	NOUN
cjfa-20424	110	3	were	be	AUX
cjfa-20424	110	4	obtained	obtain	VERB
cjfa-20424	110	5	through	through	ADP
cjfa-20424	110	6	the	the	DET
cjfa-20424	110	7	use	use	NOUN
cjfa-20424	110	8	of	of	ADP
cjfa-20424	110	9	an	an	DET
cjfa-20424	110	10	online	online	ADJ
cjfa-20424	110	11	questionnaire	questionnaire	NOUN
cjfa-20424	110	12	.	.	PUNCT
cjfa-20424	111	1	in	in	ADP
cjfa-20424	111	2	order	order	NOUN
cjfa-20424	111	3	to	to	PART
cjfa-20424	111	4	reliably	reliably	ADV
cjfa-20424	111	5	and	and	CCONJ
cjfa-20424	111	6	reliably	reliably	ADV
cjfa-20424	111	7	obtain	obtain	VERB
cjfa-20424	111	8	information	information	NOUN
cjfa-20424	111	9	on	on	ADP
cjfa-20424	111	10	the	the	DET
cjfa-20424	111	11	impact	impact	NOUN
cjfa-20424	111	12	of	of	ADP
cjfa-20424	111	13	cross	cross	NOUN
cjfa-20424	111	14	-	-	ADJ
cjfa-20424	111	15	selling	selling	ADJ
cjfa-20424	111	16	and	and	CCONJ
cjfa-20424	111	17	up	up	ADV
cjfa-20424	111	18	-	-	PUNCT
cjfa-20424	111	19	selling	selling	NOUN
cjfa-20424	111	20	on	on	ADP
cjfa-20424	111	21	the	the	DET
cjfa-20424	111	22	perception	perception	NOUN
cjfa-20424	111	23	of	of	ADP
cjfa-20424	111	24	the	the	DET
cjfa-20424	111	25	bank	bank	NOUN
cjfa-20424	111	26	by	by	ADP
cjfa-20424	111	27	its	its	PRON
cjfa-20424	111	28	clients	client	NOUN
cjfa-20424	111	29	,	,	PUNCT
cjfa-20424	111	30	short	short	ADJ
cjfa-20424	111	31	definitions	definition	NOUN
cjfa-20424	111	32	explaining	explain	VERB
cjfa-20424	111	33	the	the	DET
cjfa-20424	111	34	nature	nature	NOUN
cjfa-20424	111	35	of	of	ADP
cjfa-20424	111	36	the	the	DET
cjfa-20424	111	37	operation	operation	NOUN
cjfa-20424	111	38	of	of	ADP
cjfa-20424	111	39	both	both	DET
cjfa-20424	111	40	techniques	technique	NOUN
cjfa-20424	111	41	are	be	AUX
cjfa-20424	111	42	included	include	VERB
cjfa-20424	111	43	in	in	ADP
cjfa-20424	111	44	the	the	DET
cjfa-20424	111	45	questionnaire	questionnaire	NOUN
cjfa-20424	111	46	.	.	PUNCT
cjfa-20424	112	1	additionally	additionally	ADV
cjfa-20424	112	2	,	,	PUNCT
cjfa-20424	112	3	in	in	ADP
cjfa-20424	112	4	order	order	NOUN
cjfa-20424	112	5	to	to	PART
cjfa-20424	112	6	verify	verify	VERB
cjfa-20424	112	7	the	the	DET
cjfa-20424	112	8	cross	cross	NOUN
cjfa-20424	112	9	-	-	ADJ
cjfa-20424	112	10	selling	selling	NOUN
cjfa-20424	112	11	and	and	CCONJ
cjfa-20424	112	12	up	up	ADV
cjfa-20424	112	13	-	-	PUNCT
cjfa-20424	112	14	selling	selling	NOUN
cjfa-20424	112	15	in	in	ADP
cjfa-20424	112	16	a	a	DET
cjfa-20424	112	17	bank	bank	NOUN
cjfa-20424	112	18	65	65	NUM
cjfa-20424	112	19	correctness	correctness	NOUN
cjfa-20424	112	20	of	of	ADP
cjfa-20424	112	21	the	the	DET
cjfa-20424	112	22	questionnaire	questionnaire	NOUN
cjfa-20424	112	23	,	,	PUNCT
cjfa-20424	112	24	the	the	DET
cjfa-20424	112	25	cronbach	cronbach	NOUN
cjfa-20424	112	26	’s	’s	PART
cjfa-20424	112	27	alpha	alpha	ADJ
cjfa-20424	112	28	coefficient	coefficient	NOUN
cjfa-20424	112	29	was	be	AUX
cjfa-20424	112	30	used	use	VERB
cjfa-20424	112	31	.	.	PUNCT
cjfa-20424	113	1	it	it	PRON
cjfa-20424	113	2	is	be	AUX
cjfa-20424	113	3	a	a	DET
cjfa-20424	113	4	test	test	NOUN
cjfa-20424	113	5	examining	examine	VERB
cjfa-20424	113	6	the	the	DET
cjfa-20424	113	7	reliability	reliability	NOUN
cjfa-20424	113	8	of	of	ADP
cjfa-20424	113	9	used	use	VERB
cjfa-20424	113	10	questionnaires	questionnaire	NOUN
cjfa-20424	113	11	,	,	PUNCT
cjfa-20424	113	12	specifically	specifically	ADV
cjfa-20424	113	13	the	the	DET
cjfa-20424	113	14	internal	internal	ADJ
cjfa-20424	113	15	coherence	coherence	NOUN
cjfa-20424	113	16	of	of	ADP
cjfa-20424	113	17	the	the	DET
cjfa-20424	113	18	tool	tool	NOUN
cjfa-20424	113	19	.	.	PUNCT
cjfa-20424	114	1	in	in	ADP
cjfa-20424	114	2	the	the	DET
cjfa-20424	114	3	study	study	NOUN
cjfa-20424	114	4	used	use	VERB
cjfa-20424	114	5	,	,	PUNCT
cjfa-20424	114	6	the	the	DET
cjfa-20424	114	7	cronbach	cronbach	NOUN
cjfa-20424	114	8	’s	’s	PART
cjfa-20424	114	9	alpha	alpha	ADJ
cjfa-20424	114	10	coefficient	coefficient	NOUN
cjfa-20424	114	11	was	be	AUX
cjfa-20424	114	12	approximately	approximately	ADV
cjfa-20424	114	13	0.78	0.78	NUM
cjfa-20424	114	14	.	.	PUNCT
cjfa-20424	115	1	this	this	PRON
cjfa-20424	115	2	means	mean	VERB
cjfa-20424	115	3	that	that	SCONJ
cjfa-20424	115	4	the	the	DET
cjfa-20424	115	5	questionnaire	questionnaire	NOUN
cjfa-20424	115	6	used	use	VERB
cjfa-20424	115	7	in	in	ADP
cjfa-20424	115	8	the	the	DET
cjfa-20424	115	9	study	study	NOUN
cjfa-20424	115	10	is	be	AUX
cjfa-20424	115	11	highly	highly	ADV
cjfa-20424	115	12	consistent	consistent	ADJ
cjfa-20424	115	13	and	and	CCONJ
cjfa-20424	115	14	reliable	reliable	ADJ
cjfa-20424	115	15	.	.	PUNCT
cjfa-20424	116	1	all	all	DET
cjfa-20424	116	2	respondents	respondent	NOUN
cjfa-20424	116	3	declared	declare	VERB
cjfa-20424	116	4	that	that	SCONJ
cjfa-20424	116	5	they	they	PRON
cjfa-20424	116	6	were	be	AUX
cjfa-20424	116	7	or	or	CCONJ
cjfa-20424	116	8	are	be	AUX
cjfa-20424	116	9	currently	currently	ADV
cjfa-20424	116	10	clients	client	NOUN
cjfa-20424	116	11	of	of	ADP
cjfa-20424	116	12	the	the	DET
cjfa-20424	116	13	bank	bank	NOUN
cjfa-20424	116	14	.	.	PUNCT
cjfa-20424	117	1	in	in	ADP
cjfa-20424	117	2	addition	addition	NOUN
cjfa-20424	117	3	,	,	PUNCT
cjfa-20424	117	4	they	they	PRON
cjfa-20424	117	5	were	be	AUX
cjfa-20424	117	6	in	in	ADP
cjfa-20424	117	7	the	the	DET
cjfa-20424	117	8	age	age	NOUN
cjfa-20424	117	9	range	range	NOUN
cjfa-20424	117	10	between	between	ADP
cjfa-20424	117	11	18	18	NUM
cjfa-20424	117	12	and	and	CCONJ
cjfa-20424	117	13	60	60	NUM
cjfa-20424	117	14	years	year	NOUN
cjfa-20424	117	15	,	,	PUNCT
cjfa-20424	117	16	which	which	PRON
cjfa-20424	117	17	means	mean	VERB
cjfa-20424	117	18	that	that	SCONJ
cjfa-20424	117	19	the	the	DET
cjfa-20424	117	20	study	study	NOUN
cjfa-20424	117	21	has	have	AUX
cjfa-20424	117	22	reached	reach	VERB
cjfa-20424	117	23	younger	young	ADJ
cjfa-20424	117	24	and	and	CCONJ
cjfa-20424	117	25	older	old	ADJ
cjfa-20424	117	26	customers	customer	NOUN
cjfa-20424	117	27	.	.	PUNCT
cjfa-20424	118	1	over	over	ADP
cjfa-20424	118	2	half	half	NOUN
cjfa-20424	118	3	of	of	ADP
cjfa-20424	118	4	them	they	PRON
cjfa-20424	118	5	live	live	VERB
cjfa-20424	118	6	in	in	ADP
cjfa-20424	118	7	a	a	DET
cjfa-20424	118	8	city	city	NOUN
cjfa-20424	118	9	of	of	ADP
cjfa-20424	118	10	200,000	200,000	NUM
cjfa-20424	118	11	to	to	PART
cjfa-20424	118	12	500,000	500,000	NUM
cjfa-20424	118	13	inhabitants	inhabitant	NOUN
cjfa-20424	118	14	,	,	PUNCT
cjfa-20424	118	15	and	and	CCONJ
cjfa-20424	118	16	the	the	DET
cjfa-20424	118	17	most	most	ADV
cjfa-20424	118	18	frequently	frequently	ADV
cjfa-20424	118	19	indicated	indicate	VERB
cjfa-20424	118	20	education	education	NOUN
cjfa-20424	118	21	is	be	AUX
cjfa-20424	118	22	higher	high	ADJ
cjfa-20424	118	23	education	education	NOUN
cjfa-20424	118	24	.	.	PUNCT
cjfa-20424	119	1	the	the	DET
cjfa-20424	119	2	characteristics	characteristic	NOUN
cjfa-20424	119	3	of	of	ADP
cjfa-20424	119	4	the	the	DET
cjfa-20424	119	5	respondents	respondent	NOUN
cjfa-20424	119	6	are	be	AUX
cjfa-20424	119	7	presented	present	VERB
cjfa-20424	119	8	in	in	ADP
cjfa-20424	119	9	table	table	NOUN
cjfa-20424	119	10	2	2	NUM
cjfa-20424	119	11	.	.	PUNCT
cjfa-20424	119	12	table	table	NOUN
cjfa-20424	119	13	2	2	NUM
cjfa-20424	119	14	.	.	PUNCT
cjfa-20424	120	1	the	the	DET
cjfa-20424	120	2	characteristics	characteristic	NOUN
cjfa-20424	120	3	of	of	ADP
cjfa-20424	120	4	the	the	DET
cjfa-20424	120	5	respondents	respondent	NOUN
cjfa-20424	120	6	gender	gender	NOUN
cjfa-20424	120	7	woman	woman	NOUN
cjfa-20424	120	8	man	man	NOUN
cjfa-20424	120	9	74.7	74.7	NUM
cjfa-20424	120	10	%	%	NOUN
cjfa-20424	120	11	25.3	25.3	NUM
cjfa-20424	120	12	%	%	NOUN
cjfa-20424	120	13	n=150	n=150	NOUN
cjfa-20424	120	14	age	age	NOUN
cjfa-20424	120	15	up	up	ADP
cjfa-20424	120	16	to	to	PART
cjfa-20424	120	17	20	20	NUM
cjfa-20424	120	18	years	year	NOUN
cjfa-20424	120	19	(	(	PUNCT
cjfa-20424	120	20	inclusive	inclusive	ADJ
cjfa-20424	120	21	)	)	PUNCT
cjfa-20424	120	22	over	over	ADP
cjfa-20424	120	23	20	20	NUM
cjfa-20424	120	24	years	year	NOUN
cjfa-20424	120	25	to	to	ADP
cjfa-20424	120	26	30	30	NUM
cjfa-20424	120	27	years	year	NOUN
cjfa-20424	120	28	over	over	ADP
cjfa-20424	120	29	30	30	NUM
cjfa-20424	120	30	years	year	NOUN
cjfa-20424	120	31	to	to	ADP
cjfa-20424	120	32	40	40	NUM
cjfa-20424	120	33	years	year	NOUN
cjfa-20424	120	34	over	over	ADP
cjfa-20424	120	35	40	40	NUM
cjfa-20424	120	36	years	year	NOUN
cjfa-20424	120	37	to	to	ADP
cjfa-20424	120	38	50	50	NUM
cjfa-20424	120	39	years	year	NOUN
cjfa-20424	120	40	over	over	ADP
cjfa-20424	120	41	50	50	NUM
cjfa-20424	120	42	years	year	NOUN
cjfa-20424	120	43	to	to	ADP
cjfa-20424	120	44	60	60	NUM
cjfa-20424	120	45	years	year	NOUN
cjfa-20424	120	46	over	over	ADP
cjfa-20424	120	47	60	60	NUM
cjfa-20424	120	48	years	year	NOUN
cjfa-20424	120	49	4.7	4.7	NUM
cjfa-20424	120	50	%	%	NOUN
cjfa-20424	120	51	70	70	NUM
cjfa-20424	120	52	%	%	NOUN
cjfa-20424	120	53	10.7	10.7	NUM
cjfa-20424	120	54	%	%	NOUN
cjfa-20424	120	55	11.3	11.3	NUM
cjfa-20424	120	56	%	%	NOUN
cjfa-20424	120	57	3.3	3.3	NUM
cjfa-20424	120	58	%	%	NOUN
cjfa-20424	120	59	0	0	NUM
cjfa-20424	120	60	%	%	NOUN
cjfa-20424	120	61	n=150	n=150	NOUN
cjfa-20424	120	62	place	place	NOUN
cjfa-20424	120	63	of	of	ADP
cjfa-20424	120	64	residence	residence	NOUN
cjfa-20424	120	65	village	village	NOUN
cjfa-20424	120	66	a	a	DET
cjfa-20424	120	67	city	city	NOUN
cjfa-20424	120	68	of	of	ADP
cjfa-20424	120	69	up	up	ADP
cjfa-20424	120	70	to	to	PART
cjfa-20424	120	71	200,000	200,000	NUM
cjfa-20424	120	72	residents	resident	NOUN
cjfa-20424	120	73	a	a	DET
cjfa-20424	120	74	city	city	NOUN
cjfa-20424	120	75	of	of	ADP
cjfa-20424	120	76	over	over	ADP
cjfa-20424	120	77	200,000	200,000	NUM
cjfa-20424	120	78	residents	resident	NOUN
cjfa-20424	120	79	up	up	ADP
cjfa-20424	120	80	to	to	PART
cjfa-20424	120	81	500,000	500,000	NUM
cjfa-20424	120	82	residents	resident	NOUN
cjfa-20424	120	83	city	city	NOUN
cjfa-20424	120	84	over	over	ADP
cjfa-20424	120	85	500,000	500,000	NUM
cjfa-20424	120	86	residents	resident	NOUN
cjfa-20424	120	87	30.9	30.9	NUM
cjfa-20424	120	88	%	%	NOUN
cjfa-20424	120	89	26.8	26.8	NUM
cjfa-20424	120	90	%	%	NOUN
cjfa-20424	120	91	32.2	32.2	NUM
cjfa-20424	120	92	%	%	NOUN
cjfa-20424	120	93	10.1	10.1	NUM
cjfa-20424	120	94	%	%	NOUN
cjfa-20424	120	95	n=149	n=149	NOUN
cjfa-20424	120	96	education	education	NOUN
cjfa-20424	120	97	basic	basic	ADJ
cjfa-20424	120	98	education	education	NOUN
cjfa-20424	120	99	vocational	vocational	ADJ
cjfa-20424	120	100	education	education	NOUN
cjfa-20424	120	101	secondary	secondary	ADJ
cjfa-20424	120	102	education	education	NOUN
cjfa-20424	120	103	higher	high	ADJ
cjfa-20424	120	104	education	education	NOUN
cjfa-20424	120	105	0.7	0.7	NUM
cjfa-20424	120	106	%	%	NOUN
cjfa-20424	120	107	2.7	2.7	NUM
cjfa-20424	120	108	%	%	NOUN
cjfa-20424	120	109	28.7	28.7	NUM
cjfa-20424	120	110	%	%	NOUN
cjfa-20424	120	111	68	68	NUM
cjfa-20424	120	112	%	%	NOUN
cjfa-20424	120	113	n=150	n=150	NOUN
cjfa-20424	120	114	s	s	X
cjfa-20424	120	115	o	o	NOUN
cjfa-20424	120	116	u	u	NOUN
cjfa-20424	120	117	r	r	NOUN
cjfa-20424	120	118	c	c	NOUN
cjfa-20424	120	119	e	e	NOUN
cjfa-20424	120	120	:	:	PUNCT
cjfa-20424	120	121	author	author	NOUN
cjfa-20424	120	122	’s	’s	PART
cjfa-20424	120	123	own	own	ADJ
cjfa-20424	120	124	survey	survey	NOUN
cjfa-20424	120	125	.	.	PUNCT
cjfa-20424	121	1	it	it	PRON
cjfa-20424	121	2	is	be	AUX
cjfa-20424	121	3	worth	worth	ADJ
cjfa-20424	121	4	noting	note	VERB
cjfa-20424	121	5	that	that	SCONJ
cjfa-20424	121	6	the	the	DET
cjfa-20424	121	7	research	research	NOUN
cjfa-20424	121	8	was	be	AUX
cjfa-20424	121	9	carried	carry	VERB
cjfa-20424	121	10	out	out	ADP
cjfa-20424	121	11	on	on	ADP
cjfa-20424	121	12	a	a	DET
cjfa-20424	121	13	targeted	target	VERB
cjfa-20424	121	14	sample	sample	NOUN
cjfa-20424	121	15	.	.	PUNCT
cjfa-20424	122	1	this	this	PRON
cjfa-20424	122	2	means	mean	VERB
cjfa-20424	122	3	that	that	SCONJ
cjfa-20424	122	4	a	a	DET
cjfa-20424	122	5	non	non	ADJ
cjfa-20424	122	6	-	-	ADJ
cjfa-20424	122	7	random	random	ADJ
cjfa-20424	122	8	sampling	sampling	NOUN
cjfa-20424	122	9	of	of	ADP
cjfa-20424	122	10	respondents	respondent	NOUN
cjfa-20424	122	11	to	to	ADP
cjfa-20424	122	12	social	social	ADJ
cjfa-20424	122	13	research	research	NOUN
cjfa-20424	122	14	was	be	AUX
cjfa-20424	122	15	made	make	VERB
cjfa-20424	122	16	.	.	PUNCT
cjfa-20424	123	1	this	this	PRON
cjfa-20424	123	2	is	be	AUX
cjfa-20424	123	3	due	due	ADJ
cjfa-20424	123	4	to	to	ADP
cjfa-20424	123	5	the	the	DET
cjfa-20424	123	6	fact	fact	NOUN
cjfa-20424	123	7	that	that	SCONJ
cjfa-20424	123	8	the	the	DET
cjfa-20424	123	9	purpose	purpose	NOUN
cjfa-20424	123	10	of	of	ADP
cjfa-20424	123	11	the	the	DET
cjfa-20424	123	12	study	study	NOUN
cjfa-20424	123	13	was	be	AUX
cjfa-20424	123	14	not	not	PART
cjfa-20424	123	15	to	to	PART
cjfa-20424	123	16	examine	examine	VERB
cjfa-20424	123	17	the	the	DET
cjfa-20424	123	18	structures	structure	NOUN
cjfa-20424	123	19	but	but	CCONJ
cjfa-20424	123	20	to	to	PART
cjfa-20424	123	21	identify	identify	VERB
cjfa-20424	123	22	general	general	ADJ
cjfa-20424	123	23	trends	trend	NOUN
cjfa-20424	123	24	in	in	ADP
cjfa-20424	123	25	banking	banking	NOUN
cjfa-20424	123	26	.	.	PUNCT
cjfa-20424	124	1	the	the	DET
cjfa-20424	124	2	results	result	NOUN
cjfa-20424	124	3	of	of	ADP
cjfa-20424	124	4	the	the	DET
cjfa-20424	124	5	survey	survey	NOUN
cjfa-20424	124	6	were	be	AUX
cjfa-20424	124	7	to	to	PART
cjfa-20424	124	8	show	show	VERB
cjfa-20424	124	9	a	a	DET
cjfa-20424	124	10	certain	certain	ADJ
cjfa-20424	124	11	tendency	tendency	NOUN
cjfa-20424	124	12	regarding	regard	VERB
cjfa-20424	124	13	the	the	DET
cjfa-20424	124	14	perception	perception	NOUN
cjfa-20424	124	15	of	of	ADP
cjfa-20424	124	16	cross	cross	ADJ
cjfa-20424	124	17	-	-	ADJ
cjfa-20424	124	18	selling	selling	ADJ
cjfa-20424	124	19	and	and	CCONJ
cjfa-20424	124	20	up	up	ADV
cjfa-20424	124	21	-	-	PUNCT
cjfa-20424	124	22	selling	selling	NOUN
cjfa-20424	124	23	in	in	ADP
cjfa-20424	124	24	banks	bank	NOUN
cjfa-20424	124	25	and	and	CCONJ
cjfa-20424	124	26	help	help	VERB
cjfa-20424	124	27	determine	determine	VERB
cjfa-20424	124	28	what	what	PRON
cjfa-20424	124	29	customers	customer	NOUN
cjfa-20424	124	30	think	think	VERB
cjfa-20424	124	31	about	about	ADP
cjfa-20424	124	32	them	they	PRON
cjfa-20424	124	33	.	.	PUNCT
cjfa-20424	125	1	to	to	PART
cjfa-20424	125	2	achieve	achieve	VERB
cjfa-20424	125	3	the	the	DET
cjfa-20424	125	4	goal	goal	NOUN
cjfa-20424	125	5	of	of	ADP
cjfa-20424	125	6	the	the	DET
cjfa-20424	125	7	article	article	NOUN
cjfa-20424	125	8	,	,	PUNCT
cjfa-20424	125	9	the	the	DET
cjfa-20424	125	10	answers	answer	NOUN
cjfa-20424	125	11	to	to	ADP
cjfa-20424	125	12	selected	select	VERB
cjfa-20424	125	13	questions	question	NOUN
cjfa-20424	125	14	from	from	ADP
cjfa-20424	125	15	the	the	DET
cjfa-20424	125	16	survey	survey	NOUN
cjfa-20424	125	17	sheet	sheet	NOUN
cjfa-20424	125	18	were	be	AUX
cjfa-20424	125	19	analyzed	analyze	VERB
cjfa-20424	125	20	.	.	PUNCT
cjfa-20424	126	1	these	these	DET
cjfa-20424	126	2	questions	question	NOUN
cjfa-20424	126	3	checked	check	VERB
cjfa-20424	126	4	the	the	DET
cjfa-20424	126	5	level	level	NOUN
cjfa-20424	126	6	of	of	ADP
cjfa-20424	126	7	customer	customer	NOUN
cjfa-20424	126	8	knowledge	knowledge	NOUN
cjfa-20424	126	9	on	on	ADP
cjfa-20424	126	10	cross	cross	ADJ
cjfa-20424	126	11	-	-	ADJ
cjfa-20424	126	12	selling	selling	ADJ
cjfa-20424	126	13	and	and	CCONJ
cjfa-20424	126	14	up	up	ADV
cjfa-20424	126	15	-	-	PUNCT
cjfa-20424	126	16	selling	selling	NOUN
cjfa-20424	126	17	as	as	ADV
cjfa-20424	126	18	well	well	ADV
cjfa-20424	126	19	as	as	ADP
cjfa-20424	126	20	the	the	DET
cjfa-20424	126	21	level	level	NOUN
cjfa-20424	126	22	of	of	ADP
cjfa-20424	126	23	satisfaction	satisfaction	NOUN
cjfa-20424	126	24	julia	julia	PROPN
cjfa-20424	126	25	kwiatkowska66	kwiatkowska66	PROPN
cjfa-20424	126	26	with	with	ADP
cjfa-20424	126	27	the	the	DET
cjfa-20424	126	28	products	product	NOUN
cjfa-20424	126	29	purchased	purchase	VERB
cjfa-20424	126	30	in	in	ADP
cjfa-20424	126	31	this	this	DET
cjfa-20424	126	32	way	way	NOUN
cjfa-20424	126	33	.	.	PUNCT
cjfa-20424	127	1	answers	answer	NOUN
cjfa-20424	127	2	to	to	ADP
cjfa-20424	127	3	these	these	DET
cjfa-20424	127	4	questions	question	NOUN
cjfa-20424	127	5	are	be	AUX
cjfa-20424	127	6	presented	present	VERB
cjfa-20424	127	7	in	in	ADP
cjfa-20424	127	8	tables	table	NOUN
cjfa-20424	127	9	3	3	NUM
cjfa-20424	127	10	and	and	CCONJ
cjfa-20424	127	11	4	4	NUM
cjfa-20424	127	12	.	.	NOUN
cjfa-20424	127	13	table	table	NOUN
cjfa-20424	127	14	3	3	NUM
cjfa-20424	127	15	.	.	PUNCT
cjfa-20424	128	1	answers	answer	NOUN
cjfa-20424	128	2	to	to	ADP
cjfa-20424	128	3	selected	select	VERB
cjfa-20424	128	4	questions	question	NOUN
cjfa-20424	128	5	–	–	PUNCT
cjfa-20424	128	6	cross	cross	NOUN
cjfa-20424	128	7	selling	selling	NOUN
cjfa-20424	128	8	have	have	AUX
cjfa-20424	128	9	you	you	PRON
cjfa-20424	128	10	ever	ever	ADV
cjfa-20424	128	11	heard	hear	VERB
cjfa-20424	128	12	the	the	DET
cjfa-20424	128	13	concept	concept	NOUN
cjfa-20424	128	14	of	of	ADP
cjfa-20424	128	15	„	„	PUNCT
cjfa-20424	128	16	cross	cross	NOUN
cjfa-20424	128	17	selling	selling	NOUN
cjfa-20424	128	18	”	"	PUNCT
cjfa-20424	128	19	?	?	PUNCT
cjfa-20424	129	1	yes	yes	INTJ
cjfa-20424	130	1	no	no	DET
cjfa-20424	130	2	48	48	NUM
cjfa-20424	130	3	%	%	NOUN
cjfa-20424	130	4	52	52	NUM
cjfa-20424	130	5	%	%	NOUN
cjfa-20424	130	6	n=148	n=148	NOUN
cjfa-20424	130	7	do	do	AUX
cjfa-20424	130	8	you	you	PRON
cjfa-20424	130	9	know	know	VERB
cjfa-20424	130	10	what	what	PRON
cjfa-20424	130	11	means	mean	VERB
cjfa-20424	130	12	and	and	CCONJ
cjfa-20424	130	13	how	how	SCONJ
cjfa-20424	130	14	does	do	AUX
cjfa-20424	130	15	crossselling	crossselle	VERB
cjfa-20424	130	16	work	work	NOUN
cjfa-20424	130	17	?	?	PUNCT
cjfa-20424	131	1	yes	yes	INTJ
cjfa-20424	132	1	no	no	DET
cjfa-20424	132	2	85	85	NUM
cjfa-20424	132	3	%	%	NOUN
cjfa-20424	132	4	15	15	NUM
cjfa-20424	132	5	%	%	NOUN
cjfa-20424	132	6	n=80	n=80	NOUN
cjfa-20424	132	7	have	have	AUX
cjfa-20424	132	8	you	you	PRON
cjfa-20424	132	9	been	be	AUX
cjfa-20424	132	10	offered	offer	VERB
cjfa-20424	132	11	products	product	NOUN
cjfa-20424	132	12	in	in	ADP
cjfa-20424	132	13	this	this	DET
cjfa-20424	132	14	way	way	NOUN
cjfa-20424	132	15	?	?	PUNCT
cjfa-20424	133	1	yes	yes	INTJ
cjfa-20424	134	1	no	no	PRON
cjfa-20424	134	2	65.1	65.1	NUM
cjfa-20424	134	3	%	%	NOUN
cjfa-20424	134	4	34.9	34.9	NUM
cjfa-20424	134	5	%	%	NOUN
cjfa-20424	134	6	n=149	n=149	NOUN
cjfa-20424	134	7	have	have	AUX
cjfa-20424	134	8	you	you	PRON
cjfa-20424	134	9	ever	ever	ADV
cjfa-20424	134	10	used	use	VERB
cjfa-20424	134	11	a	a	DET
cjfa-20424	134	12	product	product	NOUN
cjfa-20424	134	13	offered	offer	VERB
cjfa-20424	134	14	as	as	ADP
cjfa-20424	134	15	part	part	NOUN
cjfa-20424	134	16	of	of	ADP
cjfa-20424	134	17	cross	cross	NOUN
cjfa-20424	134	18	-	-	ADJ
cjfa-20424	134	19	selling	selling	NOUN
cjfa-20424	134	20	?	?	PUNCT
cjfa-20424	135	1	yes	yes	INTJ
cjfa-20424	136	1	no	no	DET
cjfa-20424	136	2	40.4	40.4	NUM
cjfa-20424	136	3	%	%	NOUN
cjfa-20424	136	4	59.6	59.6	NUM
cjfa-20424	136	5	%	%	NOUN
cjfa-20424	136	6	n=109	n=109	NUM
cjfa-20424	136	7	are	be	AUX
cjfa-20424	136	8	you	you	PRON
cjfa-20424	136	9	satisfied	satisfied	ADJ
cjfa-20424	136	10	with	with	ADP
cjfa-20424	136	11	the	the	DET
cjfa-20424	136	12	product	product	NOUN
cjfa-20424	136	13	purchased	purchase	VERB
cjfa-20424	136	14	as	as	ADP
cjfa-20424	136	15	part	part	NOUN
cjfa-20424	136	16	of	of	ADP
cjfa-20424	136	17	„	„	PUNCT
cjfa-20424	136	18	cross	cross	ADJ
cjfa-20424	136	19	-	-	ADJ
cjfa-20424	136	20	selling	sell	VERB
cjfa-20424	136	21	”	"	PUNCT
cjfa-20424	136	22	?	?	PUNCT
cjfa-20424	137	1	yes	yes	INTJ
cjfa-20424	138	1	no	no	DET
cjfa-20424	138	2	49	49	NUM
cjfa-20424	138	3	%	%	NOUN
cjfa-20424	138	4	51	51	NUM
cjfa-20424	138	5	%	%	NOUN
cjfa-20424	138	6	n=49	n=49	INTJ
cjfa-20424	138	7	if	if	SCONJ
cjfa-20424	138	8	you	you	PRON
cjfa-20424	138	9	are	be	AUX
cjfa-20424	138	10	not	not	PART
cjfa-20424	138	11	satisfied	satisfied	ADJ
cjfa-20424	138	12	:	:	PUNCT
cjfa-20424	138	13	why	why	SCONJ
cjfa-20424	138	14	?	?	PUNCT
cjfa-20424	139	1	unattractive	unattractive	ADJ
cjfa-20424	139	2	interest	interest	NOUN
cjfa-20424	139	3	rate	rate	NOUN
cjfa-20424	139	4	the	the	DET
cjfa-20424	139	5	product	product	NOUN
cjfa-20424	139	6	turned	turn	VERB
cjfa-20424	139	7	out	out	ADP
cjfa-20424	139	8	to	to	PART
cjfa-20424	139	9	be	be	AUX
cjfa-20424	139	10	different	different	ADJ
cjfa-20424	139	11	than	than	SCONJ
cjfa-20424	139	12	offered	offer	VERB
cjfa-20424	139	13	the	the	DET
cjfa-20424	139	14	product	product	NOUN
cjfa-20424	139	15	turned	turn	VERB
cjfa-20424	139	16	out	out	ADP
cjfa-20424	139	17	to	to	PART
cjfa-20424	139	18	be	be	AUX
cjfa-20424	139	19	unnecessary	unnecessary	ADJ
cjfa-20424	139	20	the	the	DET
cjfa-20424	139	21	product	product	NOUN
cjfa-20424	139	22	turned	turn	VERB
cjfa-20424	139	23	out	out	ADP
cjfa-20424	139	24	to	to	PART
cjfa-20424	139	25	be	be	AUX
cjfa-20424	139	26	expensive	expensive	ADJ
cjfa-20424	139	27	1	1	NUM
cjfa-20424	139	28	5	5	NUM
cjfa-20424	139	29	15	15	NUM
cjfa-20424	139	30	10	10	NUM
cjfa-20424	139	31	n=23	n=23	PROPN
cjfa-20424	139	32	(	(	PUNCT
cjfa-20424	139	33	multiple	multiple	ADJ
cjfa-20424	139	34	choice	choice	NOUN
cjfa-20424	139	35	)	)	PUNCT
cjfa-20424	139	36	has	have	VERB
cjfa-20424	139	37	the	the	DET
cjfa-20424	139	38	use	use	NOUN
cjfa-20424	139	39	of	of	ADP
cjfa-20424	139	40	„	„	PUNCT
cjfa-20424	139	41	cross	cross	ADJ
cjfa-20424	139	42	-	-	ADJ
cjfa-20424	139	43	selling	selling	NOUN
cjfa-20424	139	44	”	"	PUNCT
cjfa-20424	139	45	had	have	AUX
cjfa-20424	139	46	a	a	DET
cjfa-20424	139	47	positive	positive	ADJ
cjfa-20424	139	48	or	or	CCONJ
cjfa-20424	139	49	negative	negative	ADJ
cjfa-20424	139	50	impact	impact	NOUN
cjfa-20424	139	51	on	on	ADP
cjfa-20424	139	52	your	your	PRON
cjfa-20424	139	53	perception	perception	NOUN
cjfa-20424	139	54	of	of	ADP
cjfa-20424	139	55	a	a	DET
cjfa-20424	139	56	bank	bank	NOUN
cjfa-20424	139	57	that	that	PRON
cjfa-20424	139	58	tried	try	VERB
cjfa-20424	139	59	to	to	PART
cjfa-20424	139	60	sell	sell	VERB
cjfa-20424	139	61	its	its	PRON
cjfa-20424	139	62	products	product	NOUN
cjfa-20424	139	63	in	in	ADP
cjfa-20424	139	64	this	this	DET
cjfa-20424	139	65	way	way	NOUN
cjfa-20424	139	66	?	?	PUNCT
cjfa-20424	140	1	positive	positive	ADJ
cjfa-20424	140	2	negative	negative	ADJ
cjfa-20424	140	3	it	it	PRON
cjfa-20424	140	4	had	have	VERB
cjfa-20424	140	5	no	no	DET
cjfa-20424	140	6	effect	effect	NOUN
cjfa-20424	140	7	16.3	16.3	NUM
cjfa-20424	140	8	%	%	NOUN
cjfa-20424	140	9	34.6	34.6	NUM
cjfa-20424	140	10	%	%	NOUN
cjfa-20424	140	11	49	49	NUM
cjfa-20424	140	12	%	%	NOUN
cjfa-20424	140	13	n=104	n=104	NOUN
cjfa-20424	140	14	has	have	VERB
cjfa-20424	140	15	the	the	DET
cjfa-20424	140	16	use	use	NOUN
cjfa-20424	140	17	of	of	ADP
cjfa-20424	140	18	„	„	PUNCT
cjfa-20424	140	19	cross	cross	ADJ
cjfa-20424	140	20	-	-	ADJ
cjfa-20424	140	21	selling	selling	NOUN
cjfa-20424	140	22	”	"	PUNCT
cjfa-20424	140	23	ever	ever	ADV
cjfa-20424	140	24	maked	make	VERB
cjfa-20424	140	25	changed	change	VERB
cjfa-20424	140	26	the	the	DET
cjfa-20424	140	27	bank	bank	NOUN
cjfa-20424	140	28	that	that	PRON
cjfa-20424	140	29	you	you	PRON
cjfa-20424	140	30	used	use	VERB
cjfa-20424	140	31	?	?	PUNCT
cjfa-20424	141	1	yes	yes	INTJ
cjfa-20424	142	1	no	no	DET
cjfa-20424	142	2	11.5	11.5	NUM
cjfa-20424	142	3	%	%	NOUN
cjfa-20424	142	4	88.5	88.5	NUM
cjfa-20424	142	5	%	%	NOUN
cjfa-20424	142	6	n=104	n=104	NOUN
cjfa-20424	143	1	do	do	AUX
cjfa-20424	143	2	you	you	PRON
cjfa-20424	143	3	think	think	VERB
cjfa-20424	143	4	that	that	SCONJ
cjfa-20424	143	5	cross	cross	NOUN
cjfa-20424	143	6	-	-	ADJ
cjfa-20424	143	7	selling	selling	NOUN
cjfa-20424	143	8	may	may	AUX
cjfa-20424	143	9	infringe	infringe	VERB
cjfa-20424	143	10	consumer	consumer	NOUN
cjfa-20424	143	11	rights	right	NOUN
cjfa-20424	143	12	?	?	PUNCT
cjfa-20424	144	1	yes	yes	INTJ
cjfa-20424	145	1	no	no	DET
cjfa-20424	145	2	48.6	48.6	NUM
cjfa-20424	145	3	%	%	NOUN
cjfa-20424	145	4	51.5	51.5	NUM
cjfa-20424	145	5	%	%	NOUN
cjfa-20424	145	6	n=144	n=144	PROPN
cjfa-20424	145	7	s	s	PART
cjfa-20424	145	8	o	o	NOUN
cjfa-20424	145	9	u	u	NOUN
cjfa-20424	145	10	r	r	NOUN
cjfa-20424	145	11	c	c	NOUN
cjfa-20424	145	12	e	e	NOUN
cjfa-20424	145	13	:	:	PUNCT
cjfa-20424	145	14	author	author	NOUN
cjfa-20424	145	15	’s	’s	PART
cjfa-20424	145	16	own	own	ADJ
cjfa-20424	145	17	survey	survey	NOUN
cjfa-20424	145	18	.	.	PUNCT
cjfa-20424	146	1	table	table	NOUN
cjfa-20424	146	2	4	4	NUM
cjfa-20424	146	3	.	.	PUNCT
cjfa-20424	147	1	answers	answer	NOUN
cjfa-20424	147	2	to	to	ADP
cjfa-20424	147	3	selected	select	VERB
cjfa-20424	147	4	questions	question	NOUN
cjfa-20424	147	5	–	–	PUNCT
cjfa-20424	147	6	up	up	ADP
cjfa-20424	147	7	selling	selling	NOUN
cjfa-20424	147	8	have	have	AUX
cjfa-20424	147	9	you	you	PRON
cjfa-20424	147	10	ever	ever	ADV
cjfa-20424	147	11	heard	hear	VERB
cjfa-20424	147	12	the	the	DET
cjfa-20424	147	13	concept	concept	NOUN
cjfa-20424	147	14	of	of	ADP
cjfa-20424	147	15	„	„	PUNCT
cjfa-20424	147	16	up	up	X
cjfa-20424	147	17	selling	selling	NOUN
cjfa-20424	147	18	”	"	PUNCT
cjfa-20424	147	19	?	?	PUNCT
cjfa-20424	148	1	yes	yes	INTJ
cjfa-20424	149	1	no	no	DET
cjfa-20424	149	2	37.2	37.2	NUM
cjfa-20424	149	3	%	%	NOUN
cjfa-20424	149	4	62.8	62.8	NUM
cjfa-20424	149	5	%	%	NOUN
cjfa-20424	149	6	n=148	n=148	NOUN
cjfa-20424	149	7	do	do	AUX
cjfa-20424	149	8	you	you	PRON
cjfa-20424	149	9	know	know	VERB
cjfa-20424	149	10	what	what	PRON
cjfa-20424	149	11	means	mean	VERB
cjfa-20424	149	12	and	and	CCONJ
cjfa-20424	149	13	how	how	SCONJ
cjfa-20424	149	14	does	do	AUX
cjfa-20424	149	15	upselling	upselle	VERB
cjfa-20424	149	16	work	work	NOUN
cjfa-20424	149	17	?	?	PUNCT
cjfa-20424	150	1	yes	yes	INTJ
cjfa-20424	151	1	no	no	DET
cjfa-20424	151	2	78.5	78.5	NUM
cjfa-20424	151	3	%	%	NOUN
cjfa-20424	151	4	21.5	21.5	NUM
cjfa-20424	151	5	%	%	NOUN
cjfa-20424	151	6	n=65	n=65	NOUN
cjfa-20424	151	7	have	have	AUX
cjfa-20424	151	8	you	you	PRON
cjfa-20424	151	9	been	be	AUX
cjfa-20424	151	10	offered	offer	VERB
cjfa-20424	151	11	products	product	NOUN
cjfa-20424	151	12	in	in	ADP
cjfa-20424	151	13	this	this	DET
cjfa-20424	151	14	way	way	NOUN
cjfa-20424	151	15	?	?	PUNCT
cjfa-20424	152	1	yes	yes	INTJ
cjfa-20424	153	1	no	no	DET
cjfa-20424	153	2	37.4	37.4	NUM
cjfa-20424	153	3	%	%	NOUN
cjfa-20424	153	4	62.6	62.6	NUM
cjfa-20424	153	5	%	%	NOUN
cjfa-20424	153	6	n=147	n=147	NOUN
cjfa-20424	153	7	have	have	AUX
cjfa-20424	153	8	you	you	PRON
cjfa-20424	153	9	ever	ever	ADV
cjfa-20424	153	10	used	use	VERB
cjfa-20424	153	11	a	a	DET
cjfa-20424	153	12	product	product	NOUN
cjfa-20424	153	13	offered	offer	VERB
cjfa-20424	153	14	as	as	ADP
cjfa-20424	153	15	part	part	NOUN
cjfa-20424	153	16	of	of	ADP
cjfa-20424	153	17	up	up	ADV
cjfa-20424	153	18	-	-	PUNCT
cjfa-20424	153	19	selling	selling	NOUN
cjfa-20424	153	20	?	?	PUNCT
cjfa-20424	154	1	yes	yes	INTJ
cjfa-20424	155	1	no	no	DET
cjfa-20424	155	2	23.2	23.2	NUM
cjfa-20424	155	3	%	%	NOUN
cjfa-20424	155	4	76.7	76.7	NUM
cjfa-20424	155	5	%	%	NOUN
cjfa-20424	155	6	n=73	n=73	ADV
cjfa-20424	155	7	are	be	AUX
cjfa-20424	155	8	you	you	PRON
cjfa-20424	155	9	satisfied	satisfied	ADJ
cjfa-20424	155	10	with	with	ADP
cjfa-20424	155	11	the	the	DET
cjfa-20424	155	12	product	product	NOUN
cjfa-20424	155	13	purchased	purchase	VERB
cjfa-20424	155	14	as	as	ADP
cjfa-20424	155	15	part	part	NOUN
cjfa-20424	155	16	of	of	ADP
cjfa-20424	155	17	„	„	PUNCT
cjfa-20424	155	18	up	up	ADP
cjfa-20424	155	19	-	-	PUNCT
cjfa-20424	155	20	selling	selling	NOUN
cjfa-20424	155	21	”	"	PUNCT
cjfa-20424	155	22	?	?	PUNCT
cjfa-20424	156	1	yes	yes	INTJ
cjfa-20424	157	1	no	no	DET
cjfa-20424	157	2	47.6	47.6	NUM
cjfa-20424	157	3	%	%	NOUN
cjfa-20424	157	4	52.4	52.4	NUM
cjfa-20424	157	5	%	%	NOUN
cjfa-20424	157	6	n=21	n=21	NOUN
cjfa-20424	157	7	cross	cross	NOUN
cjfa-20424	157	8	-	-	ADJ
cjfa-20424	157	9	selling	selling	NOUN
cjfa-20424	157	10	and	and	CCONJ
cjfa-20424	157	11	up	up	ADV
cjfa-20424	157	12	-	-	PUNCT
cjfa-20424	157	13	selling	selling	NOUN
cjfa-20424	157	14	in	in	ADP
cjfa-20424	157	15	a	a	DET
cjfa-20424	157	16	bank	bank	NOUN
cjfa-20424	157	17	67	67	NUM
cjfa-20424	157	18	if	if	SCONJ
cjfa-20424	157	19	you	you	PRON
cjfa-20424	157	20	are	be	AUX
cjfa-20424	157	21	not	not	PART
cjfa-20424	157	22	satisfied	satisfied	ADJ
cjfa-20424	157	23	:	:	PUNCT
cjfa-20424	157	24	why	why	SCONJ
cjfa-20424	157	25	?	?	PUNCT
cjfa-20424	158	1	the	the	DET
cjfa-20424	158	2	product	product	NOUN
cjfa-20424	158	3	turned	turn	VERB
cjfa-20424	158	4	out	out	ADP
cjfa-20424	158	5	to	to	PART
cjfa-20424	158	6	be	be	AUX
cjfa-20424	158	7	different	different	ADJ
cjfa-20424	158	8	than	than	SCONJ
cjfa-20424	158	9	offered	offer	VERB
cjfa-20424	158	10	the	the	DET
cjfa-20424	158	11	product	product	NOUN
cjfa-20424	158	12	turned	turn	VERB
cjfa-20424	158	13	out	out	ADP
cjfa-20424	158	14	to	to	PART
cjfa-20424	158	15	be	be	AUX
cjfa-20424	158	16	unnecessary	unnecessary	ADJ
cjfa-20424	158	17	the	the	DET
cjfa-20424	158	18	product	product	NOUN
cjfa-20424	158	19	turned	turn	VERB
cjfa-20424	158	20	out	out	ADP
cjfa-20424	158	21	to	to	PART
cjfa-20424	158	22	be	be	AUX
cjfa-20424	158	23	expensive	expensive	ADJ
cjfa-20424	158	24	2	2	NUM
cjfa-20424	158	25	3	3	NUM
cjfa-20424	158	26	4	4	NUM
cjfa-20424	158	27	n=9	n=9	X
cjfa-20424	158	28	(	(	PUNCT
cjfa-20424	158	29	multiple	multiple	ADJ
cjfa-20424	158	30	choice	choice	NOUN
cjfa-20424	158	31	)	)	PUNCT
cjfa-20424	158	32	has	have	VERB
cjfa-20424	158	33	the	the	DET
cjfa-20424	158	34	use	use	NOUN
cjfa-20424	158	35	of	of	ADP
cjfa-20424	158	36	„	„	PUNCT
cjfa-20424	158	37	up	up	ADP
cjfa-20424	158	38	-	-	PUNCT
cjfa-20424	158	39	selling	selling	NOUN
cjfa-20424	158	40	”	"	PUNCT
cjfa-20424	158	41	had	have	AUX
cjfa-20424	158	42	a	a	DET
cjfa-20424	158	43	positive	positive	ADJ
cjfa-20424	158	44	or	or	CCONJ
cjfa-20424	158	45	negative	negative	ADJ
cjfa-20424	158	46	impact	impact	NOUN
cjfa-20424	158	47	on	on	ADP
cjfa-20424	158	48	your	your	PRON
cjfa-20424	158	49	perception	perception	NOUN
cjfa-20424	158	50	of	of	ADP
cjfa-20424	158	51	a	a	DET
cjfa-20424	158	52	bank	bank	NOUN
cjfa-20424	158	53	that	that	PRON
cjfa-20424	158	54	tried	try	VERB
cjfa-20424	158	55	to	to	PART
cjfa-20424	158	56	sell	sell	VERB
cjfa-20424	158	57	its	its	PRON
cjfa-20424	158	58	products	product	NOUN
cjfa-20424	158	59	in	in	ADP
cjfa-20424	158	60	this	this	DET
cjfa-20424	158	61	way	way	NOUN
cjfa-20424	158	62	?	?	PUNCT
cjfa-20424	159	1	positive	positive	ADJ
cjfa-20424	159	2	negative	negative	ADJ
cjfa-20424	159	3	it	it	PRON
cjfa-20424	159	4	had	have	VERB
cjfa-20424	159	5	no	no	DET
cjfa-20424	159	6	effect	effect	NOUN
cjfa-20424	159	7	13.4	13.4	NUM
cjfa-20424	159	8	%	%	NOUN
cjfa-20424	159	9	29.9	29.9	NUM
cjfa-20424	159	10	%	%	NOUN
cjfa-20424	159	11	56.7	56.7	NUM
cjfa-20424	159	12	%	%	NOUN
cjfa-20424	159	13	n=67	n=67	PROPN
cjfa-20424	159	14	has	have	VERB
cjfa-20424	159	15	the	the	DET
cjfa-20424	159	16	use	use	NOUN
cjfa-20424	159	17	of	of	ADP
cjfa-20424	159	18	„	„	PUNCT
cjfa-20424	159	19	up	up	ADP
cjfa-20424	159	20	-	-	PUNCT
cjfa-20424	159	21	selling	selling	NOUN
cjfa-20424	159	22	”	"	PUNCT
cjfa-20424	159	23	ever	ever	ADV
cjfa-20424	159	24	maked	make	VERB
cjfa-20424	159	25	changed	change	VERB
cjfa-20424	159	26	the	the	DET
cjfa-20424	159	27	bank	bank	NOUN
cjfa-20424	159	28	that	that	PRON
cjfa-20424	159	29	you	you	PRON
cjfa-20424	159	30	used	use	VERB
cjfa-20424	159	31	?	?	PUNCT
cjfa-20424	160	1	yes	yes	INTJ
cjfa-20424	161	1	no	no	DET
cjfa-20424	161	2	8.7	8.7	NUM
cjfa-20424	161	3	%	%	NOUN
cjfa-20424	161	4	91.3	91.3	NUM
cjfa-20424	161	5	%	%	NOUN
cjfa-20424	161	6	n=69	n=69	X
cjfa-20424	161	7	do	do	AUX
cjfa-20424	161	8	you	you	PRON
cjfa-20424	161	9	think	think	VERB
cjfa-20424	161	10	that	that	SCONJ
cjfa-20424	161	11	up	up	ADP
cjfa-20424	161	12	-	-	PUNCT
cjfa-20424	161	13	selling	selling	NOUN
cjfa-20424	161	14	may	may	AUX
cjfa-20424	161	15	infringe	infringe	VERB
cjfa-20424	161	16	consumer	consumer	NOUN
cjfa-20424	161	17	rights	right	NOUN
cjfa-20424	161	18	?	?	PUNCT
cjfa-20424	162	1	yes	yes	INTJ
cjfa-20424	163	1	no	no	DET
cjfa-20424	163	2	46.5	46.5	NUM
cjfa-20424	163	3	%	%	NOUN
cjfa-20424	163	4	53.5	53.5	NUM
cjfa-20424	163	5	%	%	NOUN
cjfa-20424	163	6	n=144	n=144	PROPN
cjfa-20424	163	7	s	s	PART
cjfa-20424	163	8	o	o	NOUN
cjfa-20424	163	9	u	u	NOUN
cjfa-20424	163	10	r	r	NOUN
cjfa-20424	163	11	c	c	NOUN
cjfa-20424	163	12	e	e	NOUN
cjfa-20424	163	13	:	:	PUNCT
cjfa-20424	163	14	author	author	NOUN
cjfa-20424	163	15	’s	’s	PART
cjfa-20424	163	16	own	own	ADJ
cjfa-20424	163	17	survey	survey	NOUN
cjfa-20424	163	18	.	.	PUNCT
cjfa-20424	164	1	the	the	DET
cjfa-20424	164	2	purpose	purpose	NOUN
cjfa-20424	164	3	of	of	ADP
cjfa-20424	164	4	the	the	DET
cjfa-20424	164	5	survey	survey	NOUN
cjfa-20424	164	6	,	,	PUNCT
cjfa-20424	164	7	which	which	PRON
cjfa-20424	164	8	was	be	AUX
cjfa-20424	164	9	carried	carry	VERB
cjfa-20424	164	10	out	out	ADP
cjfa-20424	164	11	on	on	ADP
cjfa-20424	164	12	bank	bank	NOUN
cjfa-20424	164	13	customers	customer	NOUN
cjfa-20424	164	14	,	,	PUNCT
cjfa-20424	164	15	was	be	AUX
cjfa-20424	164	16	to	to	PART
cjfa-20424	164	17	check	check	VERB
cjfa-20424	164	18	whether	whether	SCONJ
cjfa-20424	164	19	the	the	DET
cjfa-20424	164	20	use	use	NOUN
cjfa-20424	164	21	of	of	ADP
cjfa-20424	164	22	cross	cross	ADJ
cjfa-20424	164	23	-	-	ADJ
cjfa-20424	164	24	selling	selling	ADJ
cjfa-20424	164	25	or	or	CCONJ
cjfa-20424	164	26	up	up	ADV
cjfa-20424	164	27	-	-	PUNCT
cjfa-20424	164	28	selling	selling	NOUN
cjfa-20424	164	29	influences	influence	NOUN
cjfa-20424	164	30	the	the	DET
cjfa-20424	164	31	perception	perception	NOUN
cjfa-20424	164	32	of	of	ADP
cjfa-20424	164	33	the	the	DET
cjfa-20424	164	34	bank	bank	NOUN
cjfa-20424	164	35	by	by	ADP
cjfa-20424	164	36	its	its	PRON
cjfa-20424	164	37	clients	client	NOUN
cjfa-20424	164	38	.	.	PUNCT
cjfa-20424	165	1	for	for	ADP
cjfa-20424	165	2	this	this	DET
cjfa-20424	165	3	purpose	purpose	NOUN
cjfa-20424	165	4	,	,	PUNCT
cjfa-20424	165	5	it	it	PRON
cjfa-20424	165	6	was	be	AUX
cjfa-20424	165	7	necessary	necessary	ADJ
cjfa-20424	165	8	to	to	PART
cjfa-20424	165	9	determine	determine	VERB
cjfa-20424	165	10	whether	whether	SCONJ
cjfa-20424	165	11	customers	customer	NOUN
cjfa-20424	165	12	are	be	AUX
cjfa-20424	165	13	satisfied	satisfied	ADJ
cjfa-20424	165	14	with	with	ADP
cjfa-20424	165	15	the	the	DET
cjfa-20424	165	16	products	product	NOUN
cjfa-20424	165	17	purchased	purchase	VERB
cjfa-20424	165	18	in	in	ADP
cjfa-20424	165	19	this	this	DET
cjfa-20424	165	20	way	way	NOUN
cjfa-20424	165	21	and	and	CCONJ
cjfa-20424	165	22	how	how	SCONJ
cjfa-20424	165	23	it	it	PRON
cjfa-20424	165	24	affected	affect	VERB
cjfa-20424	165	25	the	the	DET
cjfa-20424	165	26	perception	perception	NOUN
cjfa-20424	165	27	of	of	ADP
cjfa-20424	165	28	the	the	DET
cjfa-20424	165	29	bank	bank	NOUN
cjfa-20424	165	30	.	.	PUNCT
cjfa-20424	166	1	the	the	DET
cjfa-20424	166	2	results	result	NOUN
cjfa-20424	166	3	obtained	obtain	VERB
cjfa-20424	166	4	indicate	indicate	VERB
cjfa-20424	166	5	that	that	SCONJ
cjfa-20424	166	6	in	in	ADP
cjfa-20424	166	7	the	the	DET
cjfa-20424	166	8	case	case	NOUN
cjfa-20424	166	9	of	of	ADP
cjfa-20424	166	10	cross	cross	NOUN
cjfa-20424	166	11	-	-	ADJ
cjfa-20424	166	12	selling	selling	ADJ
cjfa-20424	166	13	,	,	PUNCT
cjfa-20424	166	14	51	51	NUM
cjfa-20424	166	15	%	%	NOUN
cjfa-20424	166	16	of	of	ADP
cjfa-20424	166	17	the	the	DET
cjfa-20424	166	18	bank	bank	NOUN
cjfa-20424	166	19	’s	’s	PART
cjfa-20424	166	20	customers	customer	NOUN
cjfa-20424	166	21	surveyed	survey	VERB
cjfa-20424	166	22	,	,	PUNCT
cjfa-20424	166	23	who	who	PRON
cjfa-20424	166	24	benefited	benefit	VERB
cjfa-20424	166	25	from	from	ADP
cjfa-20424	166	26	the	the	DET
cjfa-20424	166	27	cross	cross	ADJ
cjfa-20424	166	28	-	-	ADJ
cjfa-20424	166	29	selling	selling	ADJ
cjfa-20424	166	30	purchase	purchase	NOUN
cjfa-20424	166	31	,	,	PUNCT
cjfa-20424	166	32	are	be	AUX
cjfa-20424	166	33	not	not	PART
cjfa-20424	166	34	satisfied	satisfied	ADJ
cjfa-20424	166	35	with	with	ADP
cjfa-20424	166	36	the	the	DET
cjfa-20424	166	37	product	product	NOUN
cjfa-20424	166	38	purchased	purchase	VERB
cjfa-20424	166	39	in	in	ADP
cjfa-20424	166	40	this	this	DET
cjfa-20424	166	41	way	way	NOUN
cjfa-20424	166	42	.	.	PUNCT
cjfa-20424	167	1	the	the	DET
cjfa-20424	167	2	main	main	ADJ
cjfa-20424	167	3	reason	reason	NOUN
cjfa-20424	167	4	is	be	AUX
cjfa-20424	167	5	that	that	SCONJ
cjfa-20424	167	6	this	this	DET
cjfa-20424	167	7	product	product	NOUN
cjfa-20424	167	8	turns	turn	VERB
cjfa-20424	167	9	out	out	ADP
cjfa-20424	167	10	to	to	PART
cjfa-20424	167	11	be	be	AUX
cjfa-20424	167	12	unnecessary	unnecessary	ADJ
cjfa-20424	167	13	to	to	ADP
cjfa-20424	167	14	customers	customer	NOUN
cjfa-20424	167	15	.	.	PUNCT
cjfa-20424	168	1	showing	show	VERB
cjfa-20424	168	2	benefits	benefit	NOUN
cjfa-20424	168	3	,	,	PUNCT
cjfa-20424	168	4	especially	especially	ADV
cjfa-20424	168	5	financial	financial	ADJ
cjfa-20424	168	6	ones	one	NOUN
cjfa-20424	168	7	,	,	PUNCT
cjfa-20424	168	8	resulting	result	VERB
cjfa-20424	168	9	from	from	ADP
cjfa-20424	168	10	the	the	DET
cjfa-20424	168	11	use	use	NOUN
cjfa-20424	168	12	of	of	ADP
cjfa-20424	168	13	cross	cross	ADJ
cjfa-20424	168	14	-	-	ADJ
cjfa-20424	168	15	selling	selling	ADJ
cjfa-20424	168	16	means	mean	VERB
cjfa-20424	168	17	that	that	SCONJ
cjfa-20424	168	18	customers	customer	NOUN
cjfa-20424	168	19	buy	buy	VERB
cjfa-20424	168	20	this	this	DET
cjfa-20424	168	21	product	product	NOUN
cjfa-20424	168	22	,	,	PUNCT
cjfa-20424	168	23	but	but	CCONJ
cjfa-20424	168	24	eventually	eventually	ADV
cjfa-20424	168	25	it	it	PRON
cjfa-20424	168	26	turns	turn	VERB
cjfa-20424	168	27	out	out	ADP
cjfa-20424	168	28	to	to	PART
cjfa-20424	168	29	be	be	AUX
cjfa-20424	168	30	unnecessary	unnecessary	ADJ
cjfa-20424	168	31	.	.	PUNCT
cjfa-20424	169	1	the	the	DET
cjfa-20424	169	2	second	second	ADJ
cjfa-20424	169	3	reason	reason	NOUN
cjfa-20424	169	4	why	why	SCONJ
cjfa-20424	169	5	customers	customer	NOUN
cjfa-20424	169	6	are	be	AUX
cjfa-20424	169	7	not	not	PART
cjfa-20424	169	8	satisfied	satisfied	ADJ
cjfa-20424	169	9	with	with	ADP
cjfa-20424	169	10	products	product	NOUN
cjfa-20424	169	11	purchased	purchase	VERB
cjfa-20424	169	12	as	as	ADP
cjfa-20424	169	13	part	part	NOUN
cjfa-20424	169	14	of	of	ADP
cjfa-20424	169	15	cross	cross	NOUN
cjfa-20424	169	16	-	-	ADJ
cjfa-20424	169	17	selling	selling	NOUN
cjfa-20424	169	18	is	be	AUX
cjfa-20424	169	19	their	their	PRON
cjfa-20424	169	20	price	price	NOUN
cjfa-20424	169	21	.	.	PUNCT
cjfa-20424	170	1	often	often	ADV
cjfa-20424	170	2	,	,	PUNCT
cjfa-20424	170	3	it	it	PRON
cjfa-20424	170	4	turns	turn	VERB
cjfa-20424	170	5	out	out	ADP
cjfa-20424	170	6	that	that	SCONJ
cjfa-20424	170	7	a	a	DET
cjfa-20424	170	8	product	product	NOUN
cjfa-20424	170	9	purchased	purchase	VERB
cjfa-20424	170	10	separately	separately	ADV
cjfa-20424	170	11	is	be	AUX
cjfa-20424	170	12	not	not	PART
cjfa-20424	170	13	more	more	ADV
cjfa-20424	170	14	expensive	expensive	ADJ
cjfa-20424	170	15	than	than	SCONJ
cjfa-20424	170	16	a	a	DET
cjfa-20424	170	17	cross	cross	NOUN
cjfa-20424	170	18	-	-	ADJ
cjfa-20424	170	19	selling	sell	VERB
cjfa-20424	170	20	one	one	NUM
cjfa-20424	170	21	or	or	CCONJ
cjfa-20424	170	22	the	the	DET
cjfa-20424	170	23	difference	difference	NOUN
cjfa-20424	170	24	is	be	AUX
cjfa-20424	170	25	small	small	ADJ
cjfa-20424	170	26	that	that	SCONJ
cjfa-20424	170	27	it	it	PRON
cjfa-20424	170	28	leads	lead	VERB
cjfa-20424	170	29	to	to	ADP
cjfa-20424	170	30	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	170	31	of	of	ADP
cjfa-20424	170	32	customers	customer	NOUN
cjfa-20424	170	33	.	.	PUNCT
cjfa-20424	171	1	another	another	DET
cjfa-20424	171	2	reason	reason	NOUN
cjfa-20424	171	3	reported	report	VERB
cjfa-20424	171	4	by	by	ADP
cjfa-20424	171	5	5	5	NUM
cjfa-20424	171	6	clients	client	NOUN
cjfa-20424	171	7	out	out	ADP
cjfa-20424	171	8	of	of	ADP
cjfa-20424	171	9	23	23	NUM
cjfa-20424	171	10	who	who	PRON
cjfa-20424	171	11	have	have	AUX
cjfa-20424	171	12	used	use	VERB
cjfa-20424	171	13	cross	cross	ADJ
cjfa-20424	171	14	-	-	ADJ
cjfa-20424	171	15	selling	sell	VERB
cjfa-20424	171	16	and	and	CCONJ
cjfa-20424	171	17	are	be	AUX
cjfa-20424	171	18	not	not	PART
cjfa-20424	171	19	happy	happy	ADJ
cjfa-20424	171	20	about	about	ADP
cjfa-20424	171	21	it	it	PRON
cjfa-20424	171	22	is	be	AUX
cjfa-20424	171	23	the	the	DET
cjfa-20424	171	24	product	product	NOUN
cjfa-20424	171	25	’s	’s	PART
cjfa-20424	171	26	non	non	NOUN
cjfa-20424	171	27	-	-	NOUN
cjfa-20424	171	28	compliance	compliance	NOUN
cjfa-20424	171	29	with	with	ADP
cjfa-20424	171	30	the	the	DET
cjfa-20424	171	31	offer	offer	NOUN
cjfa-20424	171	32	.	.	PUNCT
cjfa-20424	172	1	customers	customer	NOUN
cjfa-20424	172	2	complain	complain	VERB
cjfa-20424	172	3	that	that	SCONJ
cjfa-20424	172	4	the	the	DET
cjfa-20424	172	5	bank	bank	NOUN
cjfa-20424	172	6	’s	’s	PART
cjfa-20424	172	7	offer	offer	NOUN
cjfa-20424	172	8	presented	present	VERB
cjfa-20424	172	9	by	by	ADP
cjfa-20424	172	10	its	its	PRON
cjfa-20424	172	11	employees	employee	NOUN
cjfa-20424	172	12	is	be	AUX
cjfa-20424	172	13	sometimes	sometimes	ADV
cjfa-20424	172	14	inconsistent	inconsistent	ADJ
cjfa-20424	172	15	with	with	ADP
cjfa-20424	172	16	the	the	DET
cjfa-20424	172	17	actual	actual	ADJ
cjfa-20424	172	18	state	state	NOUN
cjfa-20424	172	19	,	,	PUNCT
cjfa-20424	172	20	for	for	ADP
cjfa-20424	172	21	example	example	NOUN
cjfa-20424	172	22	,	,	PUNCT
cjfa-20424	172	23	fees	fee	NOUN
cjfa-20424	172	24	are	be	AUX
cjfa-20424	172	25	hidden	hide	VERB
cjfa-20424	172	26	.	.	PUNCT
cjfa-20424	173	1	this	this	PRON
cjfa-20424	173	2	is	be	AUX
cjfa-20424	173	3	a	a	DET
cjfa-20424	173	4	negative	negative	ADJ
cjfa-20424	173	5	news	news	NOUN
cjfa-20424	173	6	,	,	PUNCT
cjfa-20424	173	7	especially	especially	ADV
cjfa-20424	173	8	as	as	SCONJ
cjfa-20424	173	9	the	the	DET
cjfa-20424	173	10	reasons	reason	NOUN
cjfa-20424	173	11	for	for	ADP
cjfa-20424	173	12	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	173	13	described	describe	VERB
cjfa-20424	173	14	by	by	ADP
cjfa-20424	173	15	customers	customer	NOUN
cjfa-20424	173	16	may	may	AUX
cjfa-20424	173	17	be	be	AUX
cjfa-20424	173	18	the	the	DET
cjfa-20424	173	19	result	result	NOUN
cjfa-20424	173	20	of	of	ADP
cjfa-20424	173	21	misselling	misselle	VERB
cjfa-20424	173	22	and	and	CCONJ
cjfa-20424	173	23	unethical	unethical	ADJ
cjfa-20424	173	24	sales	sale	NOUN
cjfa-20424	173	25	.	.	PUNCT
cjfa-20424	174	1	half	half	NOUN
cjfa-20424	174	2	of	of	ADP
cjfa-20424	174	3	the	the	DET
cjfa-20424	174	4	bank	bank	NOUN
cjfa-20424	174	5	’s	’s	PART
cjfa-20424	174	6	customers	customer	NOUN
cjfa-20424	174	7	,	,	PUNCT
cjfa-20424	174	8	who	who	PRON
cjfa-20424	174	9	answered	answer	VERB
cjfa-20424	174	10	the	the	DET
cjfa-20424	174	11	question	question	NOUN
cjfa-20424	174	12	about	about	ADP
cjfa-20424	174	13	the	the	DET
cjfa-20424	174	14	impact	impact	NOUN
cjfa-20424	174	15	of	of	ADP
cjfa-20424	174	16	cross	cross	NOUN
cjfa-20424	174	17	-	-	ADJ
cjfa-20424	174	18	selling	selling	NOUN
cjfa-20424	174	19	on	on	ADP
cjfa-20424	174	20	their	their	PRON
cjfa-20424	174	21	perception	perception	NOUN
cjfa-20424	174	22	of	of	ADP
cjfa-20424	174	23	the	the	DET
cjfa-20424	174	24	bank	bank	NOUN
cjfa-20424	174	25	,	,	PUNCT
cjfa-20424	174	26	believes	believe	VERB
cjfa-20424	174	27	that	that	SCONJ
cjfa-20424	174	28	cross	cross	NOUN
cjfa-20424	174	29	-	-	ADJ
cjfa-20424	174	30	selling	selling	NOUN
cjfa-20424	174	31	did	do	AUX
cjfa-20424	174	32	not	not	PART
cjfa-20424	174	33	have	have	VERB
cjfa-20424	174	34	any	any	DET
cjfa-20424	174	35	impact	impact	NOUN
cjfa-20424	174	36	on	on	ADP
cjfa-20424	174	37	their	their	PRON
cjfa-20424	174	38	perception	perception	NOUN
cjfa-20424	174	39	of	of	ADP
cjfa-20424	174	40	the	the	DET
cjfa-20424	174	41	institution	institution	NOUN
cjfa-20424	174	42	.	.	PUNCT
cjfa-20424	175	1	however	however	ADV
cjfa-20424	175	2	,	,	PUNCT
cjfa-20424	175	3	every	every	DET
cjfa-20424	175	4	third	third	ADJ
cjfa-20424	175	5	table	table	NOUN
cjfa-20424	175	6	4	4	NUM
cjfa-20424	175	7	.	.	PUNCT
cjfa-20424	175	8	answers	answer	NOUN
cjfa-20424	175	9	to	to	ADP
cjfa-20424	175	10	selected	select	VERB
cjfa-20424	175	11	…	…	PUNCT
cjfa-20424	175	12	julia	julia	PROPN
cjfa-20424	175	13	kwiatkowska68	kwiatkowska68	PROPN
cjfa-20424	175	14	responding	respond	VERB
cjfa-20424	175	15	person	person	NOUN
cjfa-20424	175	16	believes	believe	VERB
cjfa-20424	175	17	that	that	SCONJ
cjfa-20424	175	18	offering	offer	VERB
cjfa-20424	175	19	a	a	DET
cjfa-20424	175	20	cross	cross	ADJ
cjfa-20424	175	21	-	-	ADJ
cjfa-20424	175	22	selling	sell	VERB
cjfa-20424	175	23	product	product	NOUN
cjfa-20424	175	24	had	have	VERB
cjfa-20424	175	25	a	a	DET
cjfa-20424	175	26	negative	negative	ADJ
cjfa-20424	175	27	impact	impact	NOUN
cjfa-20424	175	28	on	on	ADP
cjfa-20424	175	29	the	the	DET
cjfa-20424	175	30	perception	perception	NOUN
cjfa-20424	175	31	of	of	ADP
cjfa-20424	175	32	the	the	DET
cjfa-20424	175	33	bank	bank	NOUN
cjfa-20424	175	34	.	.	PUNCT
cjfa-20424	176	1	this	this	PRON
cjfa-20424	176	2	is	be	AUX
cjfa-20424	176	3	a	a	DET
cjfa-20424	176	4	large	large	ADJ
cjfa-20424	176	5	percentage	percentage	NOUN
cjfa-20424	176	6	of	of	ADP
cjfa-20424	176	7	clients	client	NOUN
cjfa-20424	176	8	,	,	PUNCT
cjfa-20424	176	9	the	the	DET
cjfa-20424	176	10	more	more	ADJ
cjfa-20424	176	11	that	that	SCONJ
cjfa-20424	176	12	nearly	nearly	ADV
cjfa-20424	176	13	12	12	NUM
cjfa-20424	176	14	%	%	NOUN
cjfa-20424	176	15	of	of	ADP
cjfa-20424	176	16	people	people	NOUN
cjfa-20424	176	17	who	who	PRON
cjfa-20424	176	18	answered	answer	VERB
cjfa-20424	176	19	the	the	DET
cjfa-20424	176	20	question	question	NOUN
cjfa-20424	176	21	about	about	ADP
cjfa-20424	176	22	satisfaction	satisfaction	NOUN
cjfa-20424	176	23	with	with	ADP
cjfa-20424	176	24	a	a	DET
cjfa-20424	176	25	cross	cross	ADJ
cjfa-20424	176	26	-	-	ADJ
cjfa-20424	176	27	selling	sell	VERB
cjfa-20424	176	28	product	product	NOUN
cjfa-20424	176	29	admits	admit	VERB
cjfa-20424	176	30	that	that	SCONJ
cjfa-20424	176	31	as	as	ADP
cjfa-20424	176	32	a	a	DET
cjfa-20424	176	33	result	result	NOUN
cjfa-20424	176	34	of	of	ADP
cjfa-20424	176	35	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	176	36	changed	change	VERB
cjfa-20424	176	37	their	their	PRON
cjfa-20424	176	38	original	original	ADJ
cjfa-20424	176	39	bank	bank	NOUN
cjfa-20424	176	40	.	.	PUNCT
cjfa-20424	177	1	this	this	PRON
cjfa-20424	177	2	means	mean	VERB
cjfa-20424	177	3	that	that	SCONJ
cjfa-20424	177	4	the	the	DET
cjfa-20424	177	5	use	use	NOUN
cjfa-20424	177	6	of	of	ADP
cjfa-20424	177	7	cross	cross	ADJ
cjfa-20424	177	8	-	-	ADJ
cjfa-20424	177	9	selling	selling	NOUN
cjfa-20424	177	10	can	can	AUX
cjfa-20424	177	11	cause	cause	VERB
cjfa-20424	177	12	not	not	PART
cjfa-20424	177	13	only	only	ADV
cjfa-20424	177	14	customer	customer	NOUN
cjfa-20424	177	15	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	177	16	,	,	PUNCT
cjfa-20424	177	17	which	which	PRON
cjfa-20424	177	18	affects	affect	VERB
cjfa-20424	177	19	the	the	DET
cjfa-20424	177	20	negative	negative	ADJ
cjfa-20424	177	21	perception	perception	NOUN
cjfa-20424	177	22	of	of	ADP
cjfa-20424	177	23	the	the	DET
cjfa-20424	177	24	institution	institution	NOUN
cjfa-20424	177	25	,	,	PUNCT
cjfa-20424	177	26	but	but	CCONJ
cjfa-20424	177	27	also	also	ADV
cjfa-20424	177	28	cause	cause	VERB
cjfa-20424	177	29	the	the	DET
cjfa-20424	177	30	loss	loss	NOUN
cjfa-20424	177	31	of	of	ADP
cjfa-20424	177	32	the	the	DET
cjfa-20424	177	33	client	client	NOUN
cjfa-20424	177	34	in	in	ADP
cjfa-20424	177	35	favor	favor	NOUN
cjfa-20424	177	36	of	of	ADP
cjfa-20424	177	37	another	another	DET
cjfa-20424	177	38	,	,	PUNCT
cjfa-20424	177	39	competitive	competitive	ADJ
cjfa-20424	177	40	bank	bank	NOUN
cjfa-20424	177	41	.	.	PUNCT
cjfa-20424	178	1	there	there	PRON
cjfa-20424	178	2	are	be	VERB
cjfa-20424	178	3	also	also	ADV
cjfa-20424	178	4	people	people	NOUN
cjfa-20424	178	5	who	who	PRON
cjfa-20424	178	6	positive	positive	ADJ
cjfa-20424	178	7	perception	perception	NOUN
cjfa-20424	178	8	of	of	ADP
cjfa-20424	178	9	the	the	DET
cjfa-20424	178	10	bank	bank	NOUN
cjfa-20424	178	11	,	,	PUNCT
cjfa-20424	178	12	but	but	CCONJ
cjfa-20424	178	13	this	this	DET
cjfa-20424	178	14	group	group	NOUN
cjfa-20424	178	15	represents	represent	VERB
cjfa-20424	178	16	only	only	ADV
cjfa-20424	178	17	16	16	NUM
cjfa-20424	178	18	%	%	NOUN
cjfa-20424	178	19	of	of	ADP
cjfa-20424	178	20	those	those	PRON
cjfa-20424	178	21	who	who	PRON
cjfa-20424	178	22	answered	answer	VERB
cjfa-20424	178	23	the	the	DET
cjfa-20424	178	24	question	question	NOUN
cjfa-20424	178	25	about	about	ADP
cjfa-20424	178	26	satisfaction	satisfaction	NOUN
cjfa-20424	178	27	with	with	ADP
cjfa-20424	178	28	the	the	DET
cjfa-20424	178	29	cross	cross	ADJ
cjfa-20424	178	30	-	-	ADJ
cjfa-20424	178	31	selling	sell	VERB
cjfa-20424	178	32	product	product	NOUN
cjfa-20424	178	33	.	.	PUNCT
cjfa-20424	179	1	in	in	ADP
cjfa-20424	179	2	the	the	DET
cjfa-20424	179	3	case	case	NOUN
cjfa-20424	179	4	of	of	ADP
cjfa-20424	179	5	customers	customer	NOUN
cjfa-20424	179	6	who	who	PRON
cjfa-20424	179	7	bought	buy	VERB
cjfa-20424	179	8	products	product	NOUN
cjfa-20424	179	9	offered	offer	VERB
cjfa-20424	179	10	as	as	ADP
cjfa-20424	179	11	part	part	NOUN
cjfa-20424	179	12	of	of	ADP
cjfa-20424	179	13	up	up	ADV
cjfa-20424	179	14	-	-	PUNCT
cjfa-20424	179	15	selling	selling	NOUN
cjfa-20424	179	16	,	,	PUNCT
cjfa-20424	179	17	more	more	ADJ
cjfa-20424	179	18	than	than	ADP
cjfa-20424	179	19	half	half	NOUN
cjfa-20424	179	20	of	of	ADP
cjfa-20424	179	21	them	they	PRON
cjfa-20424	179	22	,	,	PUNCT
cjfa-20424	179	23	as	as	ADV
cjfa-20424	179	24	much	much	ADJ
cjfa-20424	179	25	as	as	ADP
cjfa-20424	179	26	52	52	NUM
cjfa-20424	179	27	%	%	NOUN
cjfa-20424	179	28	,	,	PUNCT
cjfa-20424	179	29	are	be	AUX
cjfa-20424	179	30	not	not	PART
cjfa-20424	179	31	satisfied	satisfied	ADJ
cjfa-20424	179	32	with	with	ADP
cjfa-20424	179	33	this	this	DET
cjfa-20424	179	34	purchase	purchase	NOUN
cjfa-20424	179	35	.	.	PUNCT
cjfa-20424	180	1	the	the	DET
cjfa-20424	180	2	main	main	ADJ
cjfa-20424	180	3	reason	reason	NOUN
cjfa-20424	180	4	is	be	AUX
cjfa-20424	180	5	price	price	NOUN
cjfa-20424	180	6	.	.	PUNCT
cjfa-20424	181	1	it	it	PRON
cjfa-20424	181	2	turns	turn	VERB
cjfa-20424	181	3	out	out	ADP
cjfa-20424	181	4	that	that	SCONJ
cjfa-20424	181	5	customer	customer	NOUN
cjfa-20424	181	6	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	181	7	is	be	AUX
cjfa-20424	181	8	mainly	mainly	ADV
cjfa-20424	181	9	due	due	ADP
cjfa-20424	181	10	to	to	ADP
cjfa-20424	181	11	the	the	DET
cjfa-20424	181	12	high	high	ADJ
cjfa-20424	181	13	price	price	NOUN
cjfa-20424	181	14	of	of	ADP
cjfa-20424	181	15	the	the	DET
cjfa-20424	181	16	product	product	NOUN
cjfa-20424	181	17	,	,	PUNCT
cjfa-20424	181	18	as	as	ADV
cjfa-20424	181	19	well	well	ADV
cjfa-20424	181	20	as	as	ADP
cjfa-20424	181	21	the	the	DET
cjfa-20424	181	22	costs	cost	NOUN
cjfa-20424	181	23	generated	generate	VERB
cjfa-20424	181	24	by	by	ADP
cjfa-20424	181	25	its	its	PRON
cjfa-20424	181	26	use	use	NOUN
cjfa-20424	181	27	or	or	CCONJ
cjfa-20424	181	28	possession	possession	NOUN
cjfa-20424	181	29	.	.	PUNCT
cjfa-20424	182	1	in	in	ADP
cjfa-20424	182	2	addition	addition	NOUN
cjfa-20424	182	3	,	,	PUNCT
cjfa-20424	182	4	the	the	DET
cjfa-20424	182	5	additional	additional	ADJ
cjfa-20424	182	6	benefits	benefit	NOUN
cjfa-20424	182	7	indicated	indicate	VERB
cjfa-20424	182	8	by	by	ADP
cjfa-20424	182	9	the	the	DET
cjfa-20424	182	10	bank	bank	NOUN
cjfa-20424	182	11	’s	’s	PART
cjfa-20424	182	12	employees	employee	NOUN
cjfa-20424	182	13	,	,	PUNCT
cjfa-20424	182	14	which	which	PRON
cjfa-20424	182	15	the	the	DET
cjfa-20424	182	16	customer	customer	NOUN
cjfa-20424	182	17	will	will	AUX
cjfa-20424	182	18	gain	gain	VERB
cjfa-20424	182	19	when	when	SCONJ
cjfa-20424	182	20	purchasing	purchase	VERB
cjfa-20424	182	21	a	a	DET
cjfa-20424	182	22	given	give	VERB
cjfa-20424	182	23	product	product	NOUN
cjfa-20424	182	24	,	,	PUNCT
cjfa-20424	182	25	as	as	ADV
cjfa-20424	182	26	well	well	ADV
cjfa-20424	182	27	as	as	ADP
cjfa-20424	182	28	a	a	DET
cjfa-20424	182	29	wider	wide	ADJ
cjfa-20424	182	30	scope	scope	NOUN
cjfa-20424	182	31	of	of	ADP
cjfa-20424	182	32	its	its	PRON
cjfa-20424	182	33	functions	function	NOUN
cjfa-20424	182	34	,	,	PUNCT
cjfa-20424	182	35	are	be	AUX
cjfa-20424	182	36	finally	finally	ADV
cjfa-20424	182	37	unnecessary	unnecessary	ADJ
cjfa-20424	182	38	.	.	PUNCT
cjfa-20424	183	1	customers	customer	NOUN
cjfa-20424	183	2	do	do	AUX
cjfa-20424	183	3	not	not	PART
cjfa-20424	183	4	notice	notice	VERB
cjfa-20424	183	5	that	that	SCONJ
cjfa-20424	183	6	a	a	DET
cjfa-20424	183	7	product	product	NOUN
cjfa-20424	183	8	bought	buy	VERB
cjfa-20424	183	9	as	as	ADP
cjfa-20424	183	10	part	part	NOUN
cjfa-20424	183	11	of	of	ADP
cjfa-20424	183	12	up	up	ADV
cjfa-20424	183	13	-	-	PUNCT
cjfa-20424	183	14	selling	selling	NOUN
cjfa-20424	183	15	meets	meet	VERB
cjfa-20424	183	16	more	more	ADJ
cjfa-20424	183	17	of	of	ADP
cjfa-20424	183	18	their	their	PRON
cjfa-20424	183	19	needs	need	NOUN
cjfa-20424	183	20	or	or	CCONJ
cjfa-20424	183	21	does	do	AUX
cjfa-20424	183	22	not	not	PART
cjfa-20424	183	23	use	use	VERB
cjfa-20424	183	24	its	its	PRON
cjfa-20424	183	25	additional	additional	ADJ
cjfa-20424	183	26	functions	function	NOUN
cjfa-20424	183	27	.	.	PUNCT
cjfa-20424	184	1	in	in	ADP
cjfa-20424	184	2	addition	addition	NOUN
cjfa-20424	184	3	,	,	PUNCT
cjfa-20424	184	4	in	in	ADP
cjfa-20424	184	5	the	the	DET
cjfa-20424	184	6	case	case	NOUN
cjfa-20424	184	7	of	of	ADP
cjfa-20424	184	8	up	up	ADV
cjfa-20424	184	9	-	-	PUNCT
cjfa-20424	184	10	selling	selling	NOUN
cjfa-20424	184	11	,	,	PUNCT
cjfa-20424	184	12	you	you	PRON
cjfa-20424	184	13	can	can	AUX
cjfa-20424	184	14	sometimes	sometimes	ADV
cjfa-20424	184	15	notice	notice	VERB
cjfa-20424	184	16	the	the	DET
cjfa-20424	184	17	incompatibility	incompatibility	NOUN
cjfa-20424	184	18	of	of	ADP
cjfa-20424	184	19	the	the	DET
cjfa-20424	184	20	product	product	NOUN
cjfa-20424	184	21	with	with	ADP
cjfa-20424	184	22	the	the	DET
cjfa-20424	184	23	offer	offer	NOUN
cjfa-20424	184	24	presented	present	VERB
cjfa-20424	184	25	by	by	ADP
cjfa-20424	184	26	a	a	DET
cjfa-20424	184	27	bank	bank	NOUN
cjfa-20424	184	28	employee	employee	NOUN
cjfa-20424	184	29	,	,	PUNCT
cjfa-20424	184	30	which	which	PRON
cjfa-20424	184	31	also	also	ADV
cjfa-20424	184	32	contributes	contribute	VERB
cjfa-20424	184	33	to	to	ADP
cjfa-20424	184	34	his	his	PRON
cjfa-20424	184	35	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	184	36	.	.	PUNCT
cjfa-20424	185	1	this	this	PRON
cjfa-20424	185	2	is	be	AUX
cjfa-20424	185	3	a	a	DET
cjfa-20424	185	4	negative	negative	ADJ
cjfa-20424	185	5	news	news	NOUN
cjfa-20424	185	6	due	due	ADP
cjfa-20424	185	7	to	to	ADP
cjfa-20424	185	8	the	the	DET
cjfa-20424	185	9	fact	fact	NOUN
cjfa-20424	185	10	that	that	SCONJ
cjfa-20424	185	11	the	the	DET
cjfa-20424	185	12	reasons	reason	NOUN
cjfa-20424	185	13	presented	present	VERB
cjfa-20424	185	14	by	by	ADP
cjfa-20424	185	15	customers	customer	NOUN
cjfa-20424	185	16	may	may	AUX
cjfa-20424	185	17	be	be	AUX
cjfa-20424	185	18	the	the	DET
cjfa-20424	185	19	result	result	NOUN
cjfa-20424	185	20	of	of	ADP
cjfa-20424	185	21	misseling	missele	VERB
cjfa-20424	185	22	and	and	CCONJ
cjfa-20424	185	23	unethical	unethical	ADJ
cjfa-20424	185	24	sales	sale	NOUN
cjfa-20424	185	25	.	.	PUNCT
cjfa-20424	186	1	for	for	ADP
cjfa-20424	186	2	more	more	ADJ
cjfa-20424	186	3	than	than	ADP
cjfa-20424	186	4	half	half	NOUN
cjfa-20424	186	5	of	of	ADP
cjfa-20424	186	6	the	the	DET
cjfa-20424	186	7	customers	customer	NOUN
cjfa-20424	186	8	who	who	PRON
cjfa-20424	186	9	answered	answer	VERB
cjfa-20424	186	10	the	the	DET
cjfa-20424	186	11	question	question	NOUN
cjfa-20424	186	12	about	about	ADP
cjfa-20424	186	13	satisfaction	satisfaction	NOUN
cjfa-20424	186	14	with	with	ADP
cjfa-20424	186	15	the	the	DET
cjfa-20424	186	16	product	product	NOUN
cjfa-20424	186	17	purchased	purchase	VERB
cjfa-20424	186	18	under	under	ADP
cjfa-20424	186	19	up	up	ADV
cjfa-20424	186	20	-	-	PUNCT
cjfa-20424	186	21	selling	selling	NOUN
cjfa-20424	186	22	,	,	PUNCT
cjfa-20424	186	23	its	its	PRON
cjfa-20424	186	24	sales	sale	NOUN
cjfa-20424	186	25	had	have	VERB
cjfa-20424	186	26	no	no	DET
cjfa-20424	186	27	impact	impact	NOUN
cjfa-20424	186	28	on	on	ADP
cjfa-20424	186	29	their	their	PRON
cjfa-20424	186	30	perception	perception	NOUN
cjfa-20424	186	31	of	of	ADP
cjfa-20424	186	32	the	the	DET
cjfa-20424	186	33	bank	bank	NOUN
cjfa-20424	186	34	.	.	PUNCT
cjfa-20424	187	1	however	however	ADV
cjfa-20424	187	2	,	,	PUNCT
cjfa-20424	187	3	almost	almost	ADV
cjfa-20424	187	4	30	30	NUM
cjfa-20424	187	5	%	%	NOUN
cjfa-20424	187	6	of	of	ADP
cjfa-20424	187	7	them	they	PRON
cjfa-20424	187	8	admit	admit	VERB
cjfa-20424	187	9	that	that	SCONJ
cjfa-20424	187	10	offering	offer	VERB
cjfa-20424	187	11	the	the	DET
cjfa-20424	187	12	product	product	NOUN
cjfa-20424	187	13	in	in	ADP
cjfa-20424	187	14	this	this	DET
cjfa-20424	187	15	way	way	NOUN
cjfa-20424	187	16	had	have	VERB
cjfa-20424	187	17	a	a	DET
cjfa-20424	187	18	negative	negative	ADJ
cjfa-20424	187	19	impact	impact	NOUN
cjfa-20424	187	20	on	on	ADP
cjfa-20424	187	21	the	the	DET
cjfa-20424	187	22	perception	perception	NOUN
cjfa-20424	187	23	of	of	ADP
cjfa-20424	187	24	the	the	DET
cjfa-20424	187	25	institution	institution	NOUN
cjfa-20424	187	26	.	.	PUNCT
cjfa-20424	188	1	additionally	additionally	ADV
cjfa-20424	188	2	,	,	PUNCT
cjfa-20424	188	3	9	9	NUM
cjfa-20424	188	4	%	%	NOUN
cjfa-20424	188	5	of	of	ADP
cjfa-20424	188	6	the	the	DET
cjfa-20424	188	7	69	69	NUM
cjfa-20424	188	8	customers	customer	NOUN
cjfa-20424	188	9	admit	admit	VERB
cjfa-20424	188	10	to	to	ADP
cjfa-20424	188	11	changing	change	VERB
cjfa-20424	188	12	the	the	DET
cjfa-20424	188	13	bank	bank	NOUN
cjfa-20424	188	14	,	,	PUNCT
cjfa-20424	188	15	which	which	PRON
cjfa-20424	188	16	was	be	AUX
cjfa-20424	188	17	influenced	influence	VERB
cjfa-20424	188	18	by	by	ADP
cjfa-20424	188	19	the	the	DET
cjfa-20424	188	20	use	use	NOUN
cjfa-20424	188	21	of	of	ADP
cjfa-20424	188	22	up	up	ADV
cjfa-20424	188	23	-	-	PUNCT
cjfa-20424	188	24	selling	selling	NOUN
cjfa-20424	188	25	.	.	PUNCT
cjfa-20424	189	1	only	only	ADV
cjfa-20424	189	2	13	13	NUM
cjfa-20424	189	3	%	%	NOUN
cjfa-20424	189	4	of	of	ADP
cjfa-20424	189	5	the	the	DET
cjfa-20424	189	6	67	67	NUM
cjfa-20424	189	7	respondents	respondent	NOUN
cjfa-20424	189	8	agree	agree	VERB
cjfa-20424	189	9	to	to	ADP
cjfa-20424	189	10	the	the	DET
cjfa-20424	189	11	positive	positive	ADJ
cjfa-20424	189	12	impact	impact	NOUN
cjfa-20424	189	13	of	of	ADP
cjfa-20424	189	14	this	this	DET
cjfa-20424	189	15	technique	technique	NOUN
cjfa-20424	189	16	on	on	ADP
cjfa-20424	189	17	bank	bank	NOUN
cjfa-20424	189	18	perception	perception	NOUN
cjfa-20424	189	19	.	.	PUNCT
cjfa-20424	190	1	this	this	PRON
cjfa-20424	190	2	means	mean	VERB
cjfa-20424	190	3	that	that	SCONJ
cjfa-20424	190	4	up	up	ADP
cjfa-20424	190	5	-	-	PUNCT
cjfa-20424	190	6	selling	selling	NOUN
cjfa-20424	190	7	,	,	PUNCT
cjfa-20424	190	8	like	like	ADP
cjfa-20424	190	9	cross	cross	NOUN
cjfa-20424	190	10	-	-	ADJ
cjfa-20424	190	11	selling	selling	ADJ
cjfa-20424	190	12	,	,	PUNCT
cjfa-20424	190	13	can	can	AUX
cjfa-20424	190	14	also	also	ADV
cjfa-20424	190	15	cause	cause	VERB
cjfa-20424	190	16	dissatisfaction	dissatisfaction	NOUN
cjfa-20424	190	17	among	among	ADP
cjfa-20424	190	18	some	some	DET
cjfa-20424	190	19	customers	customer	NOUN
cjfa-20424	190	20	and	and	CCONJ
cjfa-20424	190	21	contribute	contribute	VERB
cjfa-20424	190	22	to	to	ADP
cjfa-20424	190	23	the	the	DET
cjfa-20424	190	24	change	change	NOUN
cjfa-20424	190	25	of	of	ADP
cjfa-20424	190	26	their	their	PRON
cjfa-20424	190	27	bank	bank	NOUN
cjfa-20424	190	28	,	,	PUNCT
cjfa-20424	190	29	but	but	CCONJ
cjfa-20424	190	30	to	to	ADP
cjfa-20424	190	31	a	a	DET
cjfa-20424	190	32	lesser	less	ADJ
cjfa-20424	190	33	extent	extent	NOUN
cjfa-20424	190	34	than	than	ADP
cjfa-20424	190	35	in	in	ADP
cjfa-20424	190	36	the	the	DET
cjfa-20424	190	37	case	case	NOUN
cjfa-20424	190	38	of	of	ADP
cjfa-20424	190	39	bundling	bundle	VERB
cjfa-20424	190	40	.	.	PUNCT
cjfa-20424	191	1	in	in	ADP
cjfa-20424	191	2	addition	addition	NOUN
cjfa-20424	191	3	,	,	PUNCT
cjfa-20424	191	4	in	in	ADP
cjfa-20424	191	5	order	order	NOUN
cjfa-20424	191	6	to	to	PART
cjfa-20424	191	7	draw	draw	VERB
cjfa-20424	191	8	additional	additional	ADJ
cjfa-20424	191	9	conclusions	conclusion	NOUN
cjfa-20424	191	10	from	from	ADP
cjfa-20424	191	11	the	the	DET
cjfa-20424	191	12	study	study	NOUN
cjfa-20424	191	13	,	,	PUNCT
cjfa-20424	191	14	the	the	DET
cjfa-20424	191	15	pearson	pearson	PROPN
cjfa-20424	191	16	’s	’s	PART
cjfa-20424	191	17	linear	linear	PROPN
cjfa-20424	191	18	correlation	correlation	NOUN
cjfa-20424	191	19	coefficient	coefficient	NOUN
cjfa-20424	191	20	was	be	AUX
cjfa-20424	191	21	used	use	VERB
cjfa-20424	191	22	between	between	ADP
cjfa-20424	191	23	two	two	NUM
cjfa-20424	191	24	questions	question	NOUN
cjfa-20424	191	25	contained	contain	VERB
cjfa-20424	191	26	in	in	ADP
cjfa-20424	191	27	the	the	DET
cjfa-20424	191	28	questionnaire	questionnaire	NOUN
cjfa-20424	191	29	and	and	CCONJ
cjfa-20424	191	30	the	the	DET
cjfa-20424	191	31	gender	gender	NOUN
cjfa-20424	191	32	of	of	ADP
cjfa-20424	191	33	respondents	respondent	NOUN
cjfa-20424	191	34	.	.	PUNCT
cjfa-20424	192	1	this	this	DET
cjfa-20424	192	2	coefficient	coefficient	NOUN
cjfa-20424	192	3	determines	determine	VERB
cjfa-20424	192	4	the	the	DET
cjfa-20424	192	5	level	level	NOUN
cjfa-20424	192	6	of	of	ADP
cjfa-20424	192	7	linear	linear	ADJ
cjfa-20424	192	8	dependence	dependence	NOUN
cjfa-20424	192	9	between	between	ADP
cjfa-20424	192	10	random	random	ADJ
cjfa-20424	192	11	variables	variable	NOUN
cjfa-20424	192	12	.	.	PUNCT
cjfa-20424	193	1	in	in	ADP
cjfa-20424	193	2	this	this	DET
cjfa-20424	193	3	case	case	NOUN
cjfa-20424	193	4	,	,	PUNCT
cjfa-20424	193	5	the	the	DET
cjfa-20424	193	6	gen	gen	PROPN
cjfa-20424	193	7	cross	cross	NOUN
cjfa-20424	193	8	-	-	ADJ
cjfa-20424	193	9	selling	selling	NOUN
cjfa-20424	193	10	and	and	CCONJ
cjfa-20424	193	11	up	up	ADV
cjfa-20424	193	12	-	-	PUNCT
cjfa-20424	193	13	selling	selling	NOUN
cjfa-20424	193	14	in	in	ADP
cjfa-20424	193	15	a	a	DET
cjfa-20424	193	16	bank	bank	NOUN
cjfa-20424	193	17	69	69	NUM
cjfa-20424	193	18	der	der	NOUN
cjfa-20424	193	19	of	of	ADP
cjfa-20424	193	20	respondents	respondent	NOUN
cjfa-20424	193	21	and	and	CCONJ
cjfa-20424	193	22	their	their	PRON
cjfa-20424	193	23	willingness	willingness	NOUN
cjfa-20424	193	24	to	to	PART
cjfa-20424	193	25	take	take	VERB
cjfa-20424	193	26	advantage	advantage	NOUN
cjfa-20424	193	27	of	of	ADP
cjfa-20424	193	28	products	product	NOUN
cjfa-20424	193	29	offered	offer	VERB
cjfa-20424	193	30	as	as	ADP
cjfa-20424	193	31	part	part	NOUN
cjfa-20424	193	32	of	of	ADP
cjfa-20424	193	33	cross	cross	NOUN
cjfa-20424	193	34	-	-	ADJ
cjfa-20424	193	35	selling	selling	ADJ
cjfa-20424	193	36	and	and	CCONJ
cjfa-20424	193	37	up	up	ADP
cjfa-20424	193	38	-	-	PUNCT
cjfa-20424	193	39	selling	selling	NOUN
cjfa-20424	193	40	were	be	AUX
cjfa-20424	193	41	taken	take	VERB
cjfa-20424	193	42	into	into	ADP
cjfa-20424	193	43	account	account	NOUN
cjfa-20424	193	44	.	.	PUNCT
cjfa-20424	194	1	the	the	DET
cjfa-20424	194	2	pearson	pearson	PROPN
cjfa-20424	194	3	coefficient	coefficient	NOUN
cjfa-20424	194	4	in	in	ADP
cjfa-20424	194	5	both	both	DET
cjfa-20424	194	6	cases	case	NOUN
cjfa-20424	194	7	came	come	VERB
cjfa-20424	194	8	out	out	ADP
cjfa-20424	194	9	negative	negative	ADJ
cjfa-20424	194	10	.	.	PUNCT
cjfa-20424	195	1	the	the	DET
cjfa-20424	195	2	correlation	correlation	NOUN
cjfa-20424	195	3	between	between	ADP
cjfa-20424	195	4	the	the	DET
cjfa-20424	195	5	gender	gender	NOUN
cjfa-20424	195	6	of	of	ADP
cjfa-20424	195	7	respondents	respondent	NOUN
cjfa-20424	195	8	and	and	CCONJ
cjfa-20424	195	9	the	the	DET
cjfa-20424	195	10	tendency	tendency	NOUN
cjfa-20424	195	11	to	to	PART
cjfa-20424	195	12	use	use	VERB
cjfa-20424	195	13	products	product	NOUN
cjfa-20424	195	14	offered	offer	VERB
cjfa-20424	195	15	as	as	ADP
cjfa-20424	195	16	part	part	NOUN
cjfa-20424	195	17	of	of	ADP
cjfa-20424	195	18	cross	cross	NOUN
cjfa-20424	195	19	-	-	ADJ
cjfa-20424	195	20	selling	selling	NOUN
cjfa-20424	195	21	is	be	AUX
cjfa-20424	195	22	weak	weak	ADJ
cjfa-20424	195	23	and	and	CCONJ
cjfa-20424	195	24	amounted	amount	VERB
cjfa-20424	195	25	to	to	ADP
cjfa-20424	195	26	approximately	approximately	ADV
cjfa-20424	195	27	-0.3	-0.3	PROPN
cjfa-20424	195	28	.	.	PUNCT
cjfa-20424	195	29	correlation	correlation	NOUN
cjfa-20424	195	30	between	between	ADP
cjfa-20424	195	31	the	the	DET
cjfa-20424	195	32	gender	gender	NOUN
cjfa-20424	195	33	of	of	ADP
cjfa-20424	195	34	respondents	respondent	NOUN
cjfa-20424	195	35	and	and	CCONJ
cjfa-20424	195	36	the	the	DET
cjfa-20424	195	37	tendency	tendency	NOUN
cjfa-20424	195	38	to	to	PART
cjfa-20424	195	39	take	take	VERB
cjfa-20424	195	40	advantage	advantage	NOUN
cjfa-20424	195	41	of	of	ADP
cjfa-20424	195	42	products	product	NOUN
cjfa-20424	195	43	offered	offer	VERB
cjfa-20424	195	44	as	as	ADP
cjfa-20424	195	45	part	part	NOUN
cjfa-20424	195	46	of	of	ADP
cjfa-20424	195	47	up	up	ADV
cjfa-20424	195	48	-	-	PUNCT
cjfa-20424	195	49	selling	selling	NOUN
cjfa-20424	195	50	is	be	AUX
cjfa-20424	195	51	weak	weak	ADJ
cjfa-20424	195	52	and	and	CCONJ
cjfa-20424	195	53	amounted	amount	VERB
cjfa-20424	195	54	to	to	ADP
cjfa-20424	195	55	approximately	approximately	ADV
cjfa-20424	195	56	-0.19	-0.19	NOUN
cjfa-20424	195	57	.	.	PUNCT
cjfa-20424	196	1	this	this	PRON
cjfa-20424	196	2	means	mean	VERB
cjfa-20424	196	3	there	there	PRON
cjfa-20424	196	4	is	be	VERB
cjfa-20424	196	5	no	no	DET
cjfa-20424	196	6	dependency	dependency	NOUN
cjfa-20424	196	7	between	between	ADP
cjfa-20424	196	8	selected	select	VERB
cjfa-20424	196	9	random	random	ADJ
cjfa-20424	196	10	variables	variable	NOUN
cjfa-20424	196	11	.	.	PUNCT
cjfa-20424	197	1	none	none	NOUN
cjfa-20424	197	2	of	of	ADP
cjfa-20424	197	3	the	the	DET
cjfa-20424	197	4	sexes	sex	NOUN
cjfa-20424	197	5	is	be	AUX
cjfa-20424	197	6	more	more	ADV
cjfa-20424	197	7	likely	likely	ADJ
cjfa-20424	197	8	to	to	PART
cjfa-20424	197	9	use	use	VERB
cjfa-20424	197	10	the	the	DET
cjfa-20424	197	11	products	product	NOUN
cjfa-20424	197	12	offered	offer	VERB
cjfa-20424	197	13	under	under	ADP
cjfa-20424	197	14	the	the	DET
cjfa-20424	197	15	above	above	ADJ
cjfa-20424	197	16	sales	sale	NOUN
cjfa-20424	197	17	techniques	technique	NOUN
cjfa-20424	197	18	.	.	PUNCT
cjfa-20424	198	1	cross	cross	NOUN
cjfa-20424	198	2	selling	selling	NOUN
cjfa-20424	198	3	and	and	CCONJ
cjfa-20424	198	4	up	up	ADV
cjfa-20424	198	5	selling	sell	VERB
cjfa-20424	198	6	in	in	ADP
cjfa-20424	198	7	the	the	DET
cjfa-20424	198	8	opinion	opinion	NOUN
cjfa-20424	198	9	of	of	ADP
cjfa-20424	198	10	customers	customer	NOUN
cjfa-20424	198	11	can	can	AUX
cjfa-20424	198	12	often	often	ADV
cjfa-20424	198	13	violate	violate	VERB
cjfa-20424	198	14	the	the	DET
cjfa-20424	198	15	law	law	NOUN
cjfa-20424	198	16	.	.	PUNCT
cjfa-20424	199	1	there	there	PRON
cjfa-20424	199	2	is	be	VERB
cjfa-20424	199	3	a	a	DET
cjfa-20424	199	4	suspicion	suspicion	NOUN
cjfa-20424	199	5	that	that	SCONJ
cjfa-20424	199	6	the	the	DET
cjfa-20424	199	7	use	use	NOUN
cjfa-20424	199	8	of	of	ADP
cjfa-20424	199	9	these	these	DET
cjfa-20424	199	10	techniques	technique	NOUN
cjfa-20424	199	11	may	may	AUX
cjfa-20424	199	12	violate	violate	VERB
cjfa-20424	199	13	consumer	consumer	NOUN
cjfa-20424	199	14	rights	right	NOUN
cjfa-20424	199	15	.	.	PUNCT
cjfa-20424	200	1	cross	cross	NOUN
cjfa-20424	200	2	selling	selling	NOUN
cjfa-20424	200	3	and	and	CCONJ
cjfa-20424	200	4	up	up	ADV
cjfa-20424	200	5	selling	selling	NOUN
cjfa-20424	200	6	is	be	AUX
cjfa-20424	200	7	associated	associate	VERB
cjfa-20424	200	8	with	with	ADP
cjfa-20424	200	9	selling	sell	VERB
cjfa-20424	200	10	products	product	NOUN
cjfa-20424	200	11	that	that	PRON
cjfa-20424	200	12	are	be	AUX
cjfa-20424	200	13	actually	actually	ADV
cjfa-20424	200	14	unnecessary	unnecessary	ADJ
cjfa-20424	200	15	to	to	ADP
cjfa-20424	200	16	customers	customer	NOUN
cjfa-20424	200	17	.	.	PUNCT
cjfa-20424	201	1	in	in	ADP
cjfa-20424	201	2	addition	addition	NOUN
cjfa-20424	201	3	,	,	PUNCT
cjfa-20424	201	4	in	in	ADP
cjfa-20424	201	5	the	the	DET
cjfa-20424	201	6	case	case	NOUN
cjfa-20424	201	7	of	of	ADP
cjfa-20424	201	8	bundling	bundle	VERB
cjfa-20424	201	9	,	,	PUNCT
cjfa-20424	201	10	the	the	DET
cjfa-20424	201	11	price	price	NOUN
cjfa-20424	201	12	of	of	ADP
cjfa-20424	201	13	the	the	DET
cjfa-20424	201	14	products	product	NOUN
cjfa-20424	201	15	is	be	AUX
cjfa-20424	201	16	the	the	DET
cjfa-20424	201	17	same	same	ADJ
cjfa-20424	201	18	as	as	ADP
cjfa-20424	201	19	when	when	SCONJ
cjfa-20424	201	20	purchased	purchase	VERB
cjfa-20424	201	21	separately	separately	ADV
cjfa-20424	201	22	.	.	PUNCT
cjfa-20424	202	1	in	in	ADP
cjfa-20424	202	2	the	the	DET
cjfa-20424	202	3	case	case	NOUN
cjfa-20424	202	4	of	of	ADP
cjfa-20424	202	5	up	up	ADV
cjfa-20424	202	6	-	-	PUNCT
cjfa-20424	202	7	selling	selling	NOUN
cjfa-20424	202	8	,	,	PUNCT
cjfa-20424	202	9	products	product	NOUN
cjfa-20424	202	10	with	with	ADP
cjfa-20424	202	11	a	a	DET
cjfa-20424	202	12	higher	high	ADJ
cjfa-20424	202	13	price	price	NOUN
cjfa-20424	202	14	are	be	AUX
cjfa-20424	202	15	sometimes	sometimes	ADV
cjfa-20424	202	16	not	not	PART
cjfa-20424	202	17	equipped	equip	VERB
cjfa-20424	202	18	with	with	ADP
cjfa-20424	202	19	additional	additional	ADJ
cjfa-20424	202	20	,	,	PUNCT
cjfa-20424	202	21	higher	high	ADJ
cjfa-20424	202	22	functionality	functionality	NOUN
cjfa-20424	202	23	.	.	PUNCT
cjfa-20424	203	1	this	this	PRON
cjfa-20424	203	2	raises	raise	VERB
cjfa-20424	203	3	doubts	doubt	NOUN
cjfa-20424	203	4	as	as	ADP
cjfa-20424	203	5	to	to	ADP
cjfa-20424	203	6	the	the	DET
cjfa-20424	203	7	integrity	integrity	NOUN
cjfa-20424	203	8	of	of	ADP
cjfa-20424	203	9	these	these	DET
cjfa-20424	203	10	practices	practice	NOUN
cjfa-20424	203	11	.	.	PUNCT
cjfa-20424	204	1	a	a	DET
cjfa-20424	204	2	positive	positive	ADJ
cjfa-20424	204	3	aspect	aspect	NOUN
cjfa-20424	204	4	is	be	AUX
cjfa-20424	204	5	the	the	DET
cjfa-20424	204	6	fact	fact	NOUN
cjfa-20424	204	7	that	that	SCONJ
cjfa-20424	204	8	the	the	DET
cjfa-20424	204	9	problem	problem	NOUN
cjfa-20424	204	10	of	of	ADP
cjfa-20424	204	11	the	the	DET
cjfa-20424	204	12	integrity	integrity	NOUN
cjfa-20424	204	13	of	of	ADP
cjfa-20424	204	14	crossselling	crossselle	VERB
cjfa-20424	204	15	has	have	AUX
cjfa-20424	204	16	been	be	AUX
cjfa-20424	204	17	noticed	notice	VERB
cjfa-20424	204	18	.	.	PUNCT
cjfa-20424	205	1	in	in	ADP
cjfa-20424	205	2	2016	2016	NUM
cjfa-20424	205	3	,	,	PUNCT
cjfa-20424	205	4	guidelines	guideline	NOUN
cjfa-20424	205	5	on	on	ADP
cjfa-20424	205	6	good	good	ADJ
cjfa-20424	205	7	practices	practice	NOUN
cjfa-20424	205	8	for	for	ADP
cjfa-20424	205	9	tying	tie	VERB
cjfa-20424	205	10	were	be	AUX
cjfa-20424	205	11	established	establish	VERB
cjfa-20424	205	12	at	at	ADP
cjfa-20424	205	13	the	the	DET
cjfa-20424	205	14	european	european	PROPN
cjfa-20424	205	15	union	union	PROPN
cjfa-20424	205	16	level	level	NOUN
cjfa-20424	205	17	.	.	PUNCT
cjfa-20424	206	1	perhaps	perhaps	ADV
cjfa-20424	206	2	over	over	ADP
cjfa-20424	206	3	the	the	DET
cjfa-20424	206	4	years	year	NOUN
cjfa-20424	206	5	,	,	PUNCT
cjfa-20424	206	6	both	both	CCONJ
cjfa-20424	206	7	bundled	bundle	VERB
cjfa-20424	206	8	and	and	CCONJ
cjfa-20424	206	9	additional	additional	ADJ
cjfa-20424	206	10	sales	sale	NOUN
cjfa-20424	206	11	will	will	AUX
cjfa-20424	206	12	be	be	AUX
cjfa-20424	206	13	regulated	regulate	VERB
cjfa-20424	206	14	,	,	PUNCT
cjfa-20424	206	15	thanks	thank	NOUN
cjfa-20424	206	16	to	to	ADP
cjfa-20424	206	17	which	which	PRON
cjfa-20424	206	18	banks	bank	NOUN
cjfa-20424	206	19	will	will	AUX
cjfa-20424	206	20	start	start	VERB
cjfa-20424	206	21	to	to	PART
cjfa-20424	206	22	be	be	AUX
cjfa-20424	206	23	perceived	perceive	VERB
cjfa-20424	206	24	in	in	ADP
cjfa-20424	206	25	a	a	DET
cjfa-20424	206	26	more	more	ADV
cjfa-20424	206	27	positive	positive	ADJ
cjfa-20424	206	28	way	way	NOUN
cjfa-20424	206	29	.	.	PUNCT
cjfa-20424	206	30	 	 	SPACE
cjfa-20424	207	1	references	reference	NOUN
cjfa-20424	207	2	baumgarten	baumgarten	VERB
cjfa-20424	207	3	,	,	PUNCT
cjfa-20424	207	4	j.	j.	PROPN
cjfa-20424	207	5	,	,	PUNCT
cjfa-20424	207	6	widz	widz	NOUN
cjfa-20424	207	7	,	,	PUNCT
cjfa-20424	207	8	a.	a.	NOUN
cjfa-20424	207	9	,	,	PUNCT
cjfa-20424	207	10	białokozowicz	białokozowicz	VERB
cjfa-20424	207	11	,	,	PUNCT
cjfa-20424	207	12	p.	p.	NOUN
cjfa-20424	207	13	,	,	PUNCT
cjfa-20424	207	14	&	&	CCONJ
cjfa-20424	207	15	dietl	dietl	PROPN
cjfa-20424	207	16	,	,	PUNCT
cjfa-20424	207	17	m.	m.	NOUN
cjfa-20424	207	18	(	(	PUNCT
cjfa-20424	207	19	2006	2006	NUM
cjfa-20424	207	20	)	)	PUNCT
cjfa-20424	207	21	.	.	PUNCT
cjfa-20424	208	1	łączenie	łączenie	PROPN
cjfa-20424	208	2	ofert	ofert	PROPN
cjfa-20424	208	3	w	w	PROPN
cjfa-20424	208	4	sektorze	sektorze	PROPN
cjfa-20424	208	5	bankowym	bankowym	PROPN
cjfa-20424	208	6	.	.	PUNCT
cjfa-20424	209	1	(	(	PUNCT
cjfa-20424	209	2	combining	combine	VERB
cjfa-20424	209	3	offers	offer	NOUN
cjfa-20424	209	4	in	in	ADP
cjfa-20424	209	5	the	the	DET
cjfa-20424	209	6	banking	banking	NOUN
cjfa-20424	209	7	sector	sector	NOUN
cjfa-20424	209	8	.	.	PUNCT
cjfa-20424	209	9	)	)	PUNCT
cjfa-20424	210	1	gazeta	gazeta	PROPN
cjfa-20424	210	2	bankowa	bankowa	PROPN
cjfa-20424	210	3	,	,	PUNCT
cjfa-20424	210	4	17	17	NUM
cjfa-20424	210	5	.	.	PUNCT
cjfa-20424	211	1	european	european	ADJ
cjfa-20424	211	2	securities	securities	PROPN
cjfa-20424	211	3	and	and	CCONJ
cjfa-20424	211	4	markets	market	NOUN
cjfa-20424	211	5	authority	authority	NOUN
cjfa-20424	211	6	(	(	PUNCT
cjfa-20424	211	7	2016	2016	NUM
cjfa-20424	211	8	)	)	PUNCT
cjfa-20424	211	9	.	.	PUNCT
cjfa-20424	212	1	wytyczne	wytyczne	PROPN
cjfa-20424	212	2	dotyczące	dotyczące	PROPN
cjfa-20424	212	3	praktyk	praktyk	PROPN
cjfa-20424	212	4	sprzedaży	sprzedaży	PROPN
cjfa-20424	212	5	krzyżowej	krzyżowej	PROPN
cjfa-20424	212	6	.	.	PUNCT
cjfa-20424	213	1	(	(	PUNCT
cjfa-20424	213	2	guidelines	guideline	NOUN
cjfa-20424	213	3	on	on	ADP
cjfa-20424	213	4	cross	cross	ADJ
cjfa-20424	213	5	-	-	ADJ
cjfa-20424	213	6	selling	selling	ADJ
cjfa-20424	213	7	practices	practice	NOUN
cjfa-20424	213	8	.	.	PUNCT
cjfa-20424	213	9	)	)	PUNCT
cjfa-20424	214	1	esma/2016/574	esma/2016/574	PROPN
cjfa-20424	214	2	pl	pl	PROPN
cjfa-20424	214	3	.	.	PROPN
cjfa-20424	214	4	johnson	johnson	PROPN
cjfa-20424	214	5	,	,	PUNCT
cjfa-20424	214	6	j.s	j.s	PROPN
cjfa-20424	214	7	.	.	PROPN
cjfa-20424	214	8	,	,	PUNCT
cjfa-20424	214	9	&	&	CCONJ
cjfa-20424	214	10	friend	friend	PROPN
cjfa-20424	214	11	,	,	PUNCT
cjfa-20424	214	12	s.	s.	PROPN
cjfa-20424	214	13	(	(	PUNCT
cjfa-20424	214	14	2014	2014	NUM
cjfa-20424	214	15	)	)	PUNCT
cjfa-20424	214	16	.	.	PUNCT
cjfa-20424	215	1	contingent	contingent	ADJ
cjfa-20424	215	2	cross	cross	ADJ
cjfa-20424	215	3	-	-	ADJ
cjfa-20424	215	4	selling	selling	ADJ
cjfa-20424	215	5	and	and	CCONJ
cjfa-20424	215	6	up	up	ADV
cjfa-20424	215	7	-	-	PUNCT
cjfa-20424	215	8	selling	sell	VERB
cjfa-20424	215	9	relationships	relationship	NOUN
cjfa-20424	215	10	with	with	ADP
cjfa-20424	215	11	performance	performance	NOUN
cjfa-20424	215	12	and	and	CCONJ
cjfa-20424	215	13	job	job	NOUN
cjfa-20424	215	14	satisfaction	satisfaction	NOUN
cjfa-20424	215	15	:	:	PUNCT
cjfa-20424	215	16	an	an	DET
cjfa-20424	215	17	moa	moa	NOUN
cjfa-20424	215	18	-	-	PUNCT
cjfa-20424	215	19	theoretic	theoretic	NOUN
cjfa-20424	215	20	examination	examination	NOUN
cjfa-20424	215	21	.	.	PUNCT
cjfa-20424	216	1	journal	journal	NOUN
cjfa-20424	216	2	of	of	ADP
cjfa-20424	216	3	personal	personal	ADJ
cjfa-20424	216	4	selling	selling	NOUN
cjfa-20424	216	5	&	&	CCONJ
cjfa-20424	216	6	sales	sale	NOUN
cjfa-20424	216	7	management	management	NOUN
cjfa-20424	216	8	,	,	PUNCT
cjfa-20424	216	9	35(1	35(1	NUM
cjfa-20424	216	10	)	)	PUNCT
cjfa-20424	216	11	,	,	PUNCT
cjfa-20424	216	12	51	51	NUM
cjfa-20424	216	13	-	-	SYM
cjfa-20424	216	14	71	71	NUM
cjfa-20424	216	15	.	.	PUNCT
cjfa-20424	216	16	https://dx.doi.org/10.1080/0	https://dx.doi.org/10.1080/0	PROPN
cjfa-20424	216	17	8853134.2014.940962	8853134.2014.940962	NUM
cjfa-20424	216	18	.	.	PUNCT
cjfa-20424	217	1	kaleta	kaleta	PROPN
cjfa-20424	217	2	,	,	PUNCT
cjfa-20424	217	3	a.	a.	PROPN
cjfa-20424	217	4	(	(	PUNCT
cjfa-20424	217	5	2013	2013	NUM
cjfa-20424	217	6	)	)	PUNCT
cjfa-20424	217	7	.	.	PUNCT
cjfa-20424	218	1	realizacja	realizacja	ADJ
cjfa-20424	218	2	strategii	strategii	NOUN
cjfa-20424	218	3	.	.	PUNCT
cjfa-20424	219	1	(	(	PUNCT
cjfa-20424	219	2	implementation	implementation	NOUN
cjfa-20424	219	3	of	of	ADP
cjfa-20424	219	4	the	the	DET
cjfa-20424	219	5	strategy	strategy	NOUN
cjfa-20424	219	6	.	.	PUNCT
cjfa-20424	219	7	)	)	PUNCT
cjfa-20424	220	1	warszawa	warszawa	PROPN
cjfa-20424	220	2	:	:	PUNCT
cjfa-20424	220	3	polskie	polskie	NOUN
cjfa-20424	220	4	wydawnictwo	wydawnictwo	PROPN
cjfa-20424	220	5	ekonomiczne	ekonomiczne	PROPN
cjfa-20424	220	6	.	.	PUNCT
cjfa-20424	221	1	kubiak	kubiak	PROPN
cjfa-20424	221	2	,	,	PUNCT
cjfa-20424	221	3	b.f	b.f	PROPN
cjfa-20424	221	4	.	.	PROPN
cjfa-20424	221	5	,	,	PUNCT
cjfa-20424	221	6	&	&	CCONJ
cjfa-20424	221	7	weichbroth	weichbroth	VERB
cjfa-20424	221	8	,	,	PUNCT
cjfa-20424	221	9	p.	p.	NOUN
cjfa-20424	221	10	(	(	PUNCT
cjfa-20424	221	11	2010	2010	NUM
cjfa-20424	221	12	)	)	PUNCT
cjfa-20424	221	13	.	.	PUNCT
cjfa-20424	222	1	crossand	crossand	VERB
cjfa-20424	222	2	up	up	ADP
cjfa-20424	222	3	-	-	PUNCT
cjfa-20424	222	4	selling	sell	VERB
cjfa-20424	222	5	techniques	technique	NOUN
cjfa-20424	222	6	in	in	ADP
cjfa-20424	222	7	e	e	NOUN
cjfa-20424	222	8	-	-	NOUN
cjfa-20424	222	9	commerce	commerce	NOUN
cjfa-20424	222	10	activities	activity	NOUN
cjfa-20424	222	11	.	.	PUNCT
cjfa-20424	223	1	gdańsk	gdańsk	NOUN
cjfa-20424	223	2	:	:	PUNCT
cjfa-20424	223	3	journal	journal	PROPN
cjfa-20424	223	4	of	of	ADP
cjfa-20424	223	5	internet	internet	NOUN
cjfa-20424	223	6	banking	banking	NOUN
cjfa-20424	223	7	and	and	CCONJ
cjfa-20424	223	8	commerce	commerce	PROPN
cjfa-20424	223	9	.	.	PUNCT
cjfa-20424	224	1	mikołajczyk	mikołajczyk	PROPN
cjfa-20424	224	2	,	,	PUNCT
cjfa-20424	224	3	z.	z.	PROPN
cjfa-20424	224	4	(	(	PUNCT
cjfa-20424	224	5	1997	1997	NUM
cjfa-20424	224	6	)	)	PUNCT
cjfa-20424	224	7	.	.	PUNCT
cjfa-20424	225	1	techniki	techniki	PROPN
cjfa-20424	225	2	organizatorskie	organizatorskie	PROPN
cjfa-20424	225	3	w	w	PROPN
cjfa-20424	225	4	rozwiązywaniu	rozwiązywaniu	PROPN
cjfa-20424	225	5	problemów	problemów	PROPN
cjfa-20424	225	6	zarządzania	zarządzania	PROPN
cjfa-20424	225	7	.	.	PUNCT
cjfa-20424	226	1	(	(	PUNCT
cjfa-20424	226	2	organizational	organizational	ADJ
cjfa-20424	226	3	techniques	technique	NOUN
cjfa-20424	226	4	in	in	ADP
cjfa-20424	226	5	solving	solve	VERB
cjfa-20424	226	6	management	management	NOUN
cjfa-20424	226	7	problems	problem	NOUN
cjfa-20424	226	8	.	.	PUNCT
cjfa-20424	226	9	)	)	PUNCT
cjfa-20424	227	1	warszawa	warszawa	PROPN
cjfa-20424	227	2	:	:	PUNCT
cjfa-20424	227	3	wydawnictwo	wydawnictwo	PROPN
cjfa-20424	227	4	naukowe	naukowe	NOUN
cjfa-20424	227	5	pwn	pwn	PROPN
cjfa-20424	227	6	.	.	PUNCT
cjfa-20424	228	1	julia	julia	PROPN
cjfa-20424	228	2	kwiatkowska70	kwiatkowska70	PROPN
cjfa-20424	228	3	paradecki	paradecki	PROPN
cjfa-20424	228	4	,	,	PUNCT
cjfa-20424	228	5	r.	r.	PROPN
cjfa-20424	228	6	(	(	PUNCT
cjfa-20424	228	7	2008	2008	NUM
cjfa-20424	228	8	)	)	PUNCT
cjfa-20424	228	9	.	.	PUNCT
cjfa-20424	229	1	wpływ	wpływ	PROPN
cjfa-20424	229	2	współzależności	współzależności	PROPN
cjfa-20424	229	3	produktów	produktów	PROPN
cjfa-20424	229	4	bankowych	bankowych	NOUN
cjfa-20424	229	5	na	na	AUX
cjfa-20424	229	6	wynik	wynik	ADP
cjfa-20424	229	7	ze	ze	PROPN
cjfa-20424	229	8	sprzedaży	sprzedaży	VERB
cjfa-20424	229	9	i	i	PRON
cjfa-20424	229	10	cykl	cykl	VERB
cjfa-20424	229	11	życia	życia	NOUN
cjfa-20424	229	12	.	.	PUNCT
cjfa-20424	230	1	(	(	PUNCT
cjfa-20424	230	2	influence	influence	NOUN
cjfa-20424	230	3	of	of	ADP
cjfa-20424	230	4	the	the	DET
cjfa-20424	230	5	interdependence	interdependence	NOUN
cjfa-20424	230	6	of	of	ADP
cjfa-20424	230	7	banking	banking	NOUN
cjfa-20424	230	8	products	product	NOUN
cjfa-20424	230	9	on	on	ADP
cjfa-20424	230	10	the	the	DET
cjfa-20424	230	11	result	result	NOUN
cjfa-20424	230	12	on	on	ADP
cjfa-20424	230	13	sales	sale	NOUN
cjfa-20424	230	14	and	and	CCONJ
cjfa-20424	230	15	life	life	NOUN
cjfa-20424	230	16	cycle	cycle	NOUN
cjfa-20424	230	17	.	.	PUNCT
cjfa-20424	230	18	)	)	PUNCT
cjfa-20424	231	1	prace	prace	PROPN
cjfa-20424	231	2	naukowe	naukowe	PROPN
cjfa-20424	231	3	uniwersytetu	uniwersytetu	PROPN
cjfa-20424	231	4	ekonomicznego	ekonomicznego	NOUN
cjfa-20424	231	5	we	we	PRON
cjfa-20424	231	6	wrocławiu	wrocławiu	VERB
cjfa-20424	231	7	,	,	PUNCT
cjfa-20424	231	8	(	(	PUNCT
cjfa-20424	231	9	research	research	NOUN
cjfa-20424	231	10	papers	paper	NOUN
cjfa-20424	231	11	of	of	ADP
cjfa-20424	231	12	wrocław	wrocław	PROPN
cjfa-20424	231	13	university	university	NOUN
cjfa-20424	231	14	of	of	ADP
cjfa-20424	231	15	economics	economic	NOUN
cjfa-20424	231	16	.	.	PUNCT
cjfa-20424	231	17	)	)	PUNCT
cjfa-20424	232	1	14	14	NUM
cjfa-20424	232	2	,	,	PUNCT
cjfa-20424	232	3	340–348	340–348	NUM
cjfa-20424	232	4	.	.	PUNCT
cjfa-20424	232	5	próchnicki	próchnicki	PROPN
cjfa-20424	232	6	,	,	PUNCT
cjfa-20424	232	7	w.	w.	PROPN
cjfa-20424	232	8	(	(	PUNCT
cjfa-20424	232	9	2014	2014	NUM
cjfa-20424	232	10	)	)	PUNCT
cjfa-20424	232	11	.	.	PUNCT
cjfa-20424	233	1	cross	cross	NOUN
cjfa-20424	233	2	selling	sell	VERB
cjfa-20424	233	3	i	i	PRON
cjfa-20424	233	4	up	up	ADP
cjfa-20424	233	5	selling	sell	VERB
cjfa-20424	233	6	–	–	PUNCT
cjfa-20424	233	7	strategie	strategie	ADJ
cjfa-20424	233	8	sprzedaży	sprzedaży	NOUN
cjfa-20424	233	9	.	.	PUNCT
cjfa-20424	234	1	(	(	PUNCT
cjfa-20424	234	2	cross	cross	NOUN
cjfa-20424	234	3	selling	sell	VERB
cjfa-20424	234	4	i	i	PRON
cjfa-20424	234	5	up	up	ADP
cjfa-20424	234	6	selling	sell	VERB
cjfa-20424	234	7	–	–	PUNCT
cjfa-20424	234	8	sales	sale	NOUN
cjfa-20424	234	9	strategies	strategy	NOUN
cjfa-20424	234	10	.	.	PUNCT
cjfa-20424	234	11	)	)	PUNCT
cjfa-20424	235	1	poznań	poznań	NOUN
cjfa-20424	235	2	:	:	PUNCT
cjfa-20424	235	3	szef	szef	VERB
cjfa-20424	235	4	sprzedaży	sprzedaży	PROPN
cjfa-20424	235	5	14/2014	14/2014	PROPN
cjfa-20424	235	6	.	.	PUNCT
cjfa-20424	235	7	supernat	supernat	PROPN
cjfa-20424	235	8	,	,	PUNCT
cjfa-20424	235	9	j.	j.	PROPN
cjfa-20424	235	10	(	(	PUNCT
cjfa-20424	235	11	2000	2000	NUM
cjfa-20424	235	12	)	)	PUNCT
cjfa-20424	235	13	.	.	PUNCT
cjfa-20424	236	1	techniki	techniki	PROPN
cjfa-20424	236	2	decyzyjne	decyzyjne	NOUN
cjfa-20424	236	3	i	i	PRON
cjfa-20424	236	4	organizatorskie	organizatorskie	VERB
cjfa-20424	236	5	:	:	PUNCT
cjfa-20424	236	6	wydanie	wydanie	PROPN
cjfa-20424	236	7	i.	i.	PROPN
cjfa-20424	236	8	(	(	PUNCT
cjfa-20424	236	9	decision	decision	NOUN
cjfa-20424	236	10	making	making	NOUN
cjfa-20424	236	11	and	and	CCONJ
cjfa-20424	236	12	organizational	organizational	ADJ
cjfa-20424	236	13	techniques	technique	NOUN
cjfa-20424	236	14	:	:	PUNCT
cjfa-20424	236	15	edition	edition	PROPN
cjfa-20424	236	16	i.	i.	PROPN
cjfa-20424	236	17	)	)	PUNCT
cjfa-20424	236	18	wrocław	wrocław	PROPN
cjfa-20424	236	19	:	:	PUNCT
cjfa-20424	236	20	lord	lord	PROPN
cjfa-20424	236	21	kass	kass	PROPN
cjfa-20424	236	22	.	.	PUNCT
cjfa-20424	237	1	szczepaniec	szczepaniec	PROPN
cjfa-20424	237	2	,	,	PUNCT
cjfa-20424	237	3	m.	m.	NOUN
cjfa-20424	237	4	(	(	PUNCT
cjfa-20424	237	5	2003	2003	NUM
cjfa-20424	237	6	)	)	PUNCT
cjfa-20424	237	7	.	.	PUNCT
cjfa-20424	238	1	sprzedaż	sprzedaż	PROPN
cjfa-20424	238	2	krzyżowa	krzyżowa	PROPN
cjfa-20424	238	3	produktów	produktów	PROPN
cjfa-20424	238	4	bankowych	bankowych	PROPN
cjfa-20424	238	5	.	.	PUNCT
cjfa-20424	239	1	(	(	PUNCT
cjfa-20424	239	2	cross	cross	NOUN
cjfa-20424	239	3	-	-	ADJ
cjfa-20424	239	4	selling	selling	NOUN
cjfa-20424	239	5	of	of	ADP
cjfa-20424	239	6	banking	banking	NOUN
cjfa-20424	239	7	products	product	NOUN
cjfa-20424	239	8	.	.	PUNCT
cjfa-20424	239	9	)	)	PUNCT
cjfa-20424	240	1	bank	bank	NOUN
cjfa-20424	240	2	i	i	PRON
cjfa-20424	240	3	kredyt	kredyt	VERB
cjfa-20424	240	4	,	,	PUNCT
cjfa-20424	240	5	(	(	PUNCT
cjfa-20424	240	6	bank	bank	NOUN
cjfa-20424	240	7	and	and	CCONJ
cjfa-20424	240	8	credit	credit	NOUN
cjfa-20424	240	9	.	.	PUNCT
cjfa-20424	240	10	)	)	PUNCT
cjfa-20424	241	1	3	3	NUM
cjfa-20424	241	2	,	,	PUNCT
cjfa-20424	241	3	95–101	95–101	NUM
cjfa-20424	241	4	.	.	PUNCT