id	sid	tid	token	lemma	pos
ejh-1142	1	1	enabling	enable	VERB
ejh-1142	1	2	factors	factor	NOUN
ejh-1142	1	3	for	for	ADP
ejh-1142	1	4	capacity	capacity	NOUN
ejh-1142	1	5	building	building	NOUN
ejh-1142	1	6	in	in	ADP
ejh-1142	1	7	the	the	DET
ejh-1142	1	8	insurance	insurance	NOUN
ejh-1142	1	9	sector	sector	NOUN
ejh-1142	1	10	dr	dr	PROPN
ejh-1142	1	11	.	.	PROPN
ejh-1142	1	12	ben	ben	PROPN
ejh-1142	1	13	kajwang	kajwang	PROPN
ejh-1142	1	14	phd	phd	PROPN
ejh-1142	1	15	american	american	PROPN
ejh-1142	1	16	journal	journal	PROPN
ejh-1142	1	17	of	of	ADP
ejh-1142	1	18	human	human	ADJ
ejh-1142	1	19	resource	resource	NOUN
ejh-1142	1	20	issn	issn	PROPN
ejh-1142	1	21	2520	2520	NUM
ejh-1142	1	22	-	-	SYM
ejh-1142	1	23	4697	4697	NUM
ejh-1142	1	24	(	(	PUNCT
ejh-1142	1	25	online	online	ADJ
ejh-1142	1	26	)	)	PUNCT
ejh-1142	1	27	vol.6	vol.6	PROPN
ejh-1142	1	28	,	,	PUNCT
ejh-1142	1	29	issue	issue	NOUN
ejh-1142	1	30	1	1	NUM
ejh-1142	1	31	,	,	PUNCT
ejh-1142	1	32	pp	pp	ADV
ejh-1142	1	33	80	80	NUM
ejh-1142	1	34	87	87	NUM
ejh-1142	1	35	,	,	PUNCT
ejh-1142	1	36	2022	2022	NUM
ejh-1142	1	37	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	1	38	80	80	NUM
ejh-1142	1	39	enabling	enable	VERB
ejh-1142	1	40	factors	factor	NOUN
ejh-1142	1	41	for	for	ADP
ejh-1142	1	42	capacity	capacity	NOUN
ejh-1142	1	43	building	building	NOUN
ejh-1142	1	44	in	in	ADP
ejh-1142	1	45	the	the	DET
ejh-1142	1	46	insurance	insurance	NOUN
ejh-1142	1	47	sector	sector	NOUN
ejh-1142	1	48	dr	dr	PROPN
ejh-1142	1	49	.	.	PROPN
ejh-1142	1	50	ben	ben	PROPN
ejh-1142	1	51	kajwang	kajwang	PROPN
ejh-1142	1	52	phd	phd	PROPN
ejh-1142	1	53	,	,	PUNCT
ejh-1142	1	54	acii(uk	acii(uk	ADJ
ejh-1142	1	55	)	)	PUNCT
ejh-1142	1	56	,	,	PUNCT
ejh-1142	1	57	airm(uk	airm(uk	PROPN
ejh-1142	1	58	)	)	PUNCT
ejh-1142	1	59	,	,	PUNCT
ejh-1142	1	60	fiiu	fiiu	NOUN
ejh-1142	1	61	,	,	PUNCT
ejh-1142	1	62	fiik	fiik	PROPN
ejh-1142	1	63	,	,	PUNCT
ejh-1142	1	64	cpt	cpt	PROPN
ejh-1142	1	65	,	,	PUNCT
ejh-1142	1	66	chartered	chartered	ADJ
ejh-1142	1	67	insurer	insurer	NOUN
ejh-1142	1	68	chief	chief	ADJ
ejh-1142	1	69	executive	executive	ADJ
ejh-1142	1	70	officer	officer	NOUN
ejh-1142	1	71	,	,	PUNCT
ejh-1142	1	72	college	college	NOUN
ejh-1142	1	73	of	of	ADP
ejh-1142	1	74	insurance	insurance	NOUN
ejh-1142	1	75	,	,	PUNCT
ejh-1142	1	76	nairobi	nairobi	PROPN
ejh-1142	1	77	,	,	PUNCT
ejh-1142	1	78	kenya	kenya	PROPN
ejh-1142	1	79	corresponding	corresponding	ADJ
ejh-1142	1	80	author	author	NOUN
ejh-1142	1	81	email	email	NOUN
ejh-1142	1	82	:	:	PUNCT
ejh-1142	1	83	bkajwang@coi.ac.ke	bkajwang@coi.ac.ke	VERB
ejh-1142	1	84	abstract	abstract	ADJ
ejh-1142	1	85	purpose	purpose	NOUN
ejh-1142	1	86	:	:	PUNCT
ejh-1142	1	87	this	this	DET
ejh-1142	1	88	paper	paper	NOUN
ejh-1142	1	89	makes	make	VERB
ejh-1142	1	90	a	a	DET
ejh-1142	1	91	contribution	contribution	NOUN
ejh-1142	1	92	to	to	ADP
ejh-1142	1	93	the	the	DET
ejh-1142	1	94	existing	exist	VERB
ejh-1142	1	95	body	body	NOUN
ejh-1142	1	96	of	of	ADP
ejh-1142	1	97	research	research	NOUN
ejh-1142	1	98	by	by	ADP
ejh-1142	1	99	investigating	investigate	VERB
ejh-1142	1	100	the	the	DET
ejh-1142	1	101	elements	element	NOUN
ejh-1142	1	102	that	that	PRON
ejh-1142	1	103	make	make	VERB
ejh-1142	1	104	capacity	capacity	NOUN
ejh-1142	1	105	building	building	NOUN
ejh-1142	1	106	in	in	ADP
ejh-1142	1	107	the	the	DET
ejh-1142	1	108	insurance	insurance	NOUN
ejh-1142	1	109	industry	industry	NOUN
ejh-1142	1	110	possible	possible	ADJ
ejh-1142	1	111	,	,	PUNCT
ejh-1142	1	112	focusing	focus	VERB
ejh-1142	1	113	specifically	specifically	ADV
ejh-1142	1	114	on	on	ADP
ejh-1142	1	115	life	life	NOUN
ejh-1142	1	116	and	and	CCONJ
ejh-1142	1	117	non	non	ADJ
ejh-1142	1	118	-	-	ADJ
ejh-1142	1	119	life	life	ADJ
ejh-1142	1	120	premiums	premium	NOUN
ejh-1142	1	121	.	.	PUNCT
ejh-1142	2	1	the	the	DET
ejh-1142	2	2	industry	industry	NOUN
ejh-1142	2	3	of	of	ADP
ejh-1142	2	4	insurance	insurance	NOUN
ejh-1142	2	5	has	have	VERB
ejh-1142	2	6	the	the	DET
ejh-1142	2	7	potential	potential	NOUN
ejh-1142	2	8	to	to	PART
ejh-1142	2	9	be	be	AUX
ejh-1142	2	10	an	an	DET
ejh-1142	2	11	important	important	ADJ
ejh-1142	2	12	driver	driver	NOUN
ejh-1142	2	13	of	of	ADP
ejh-1142	2	14	both	both	CCONJ
ejh-1142	2	15	financial	financial	ADJ
ejh-1142	2	16	and	and	CCONJ
ejh-1142	2	17	economic	economic	ADJ
ejh-1142	2	18	growth	growth	NOUN
ejh-1142	2	19	.	.	PUNCT
ejh-1142	3	1	the	the	DET
ejh-1142	3	2	industry	industry	NOUN
ejh-1142	3	3	has	have	VERB
ejh-1142	3	4	the	the	DET
ejh-1142	3	5	ability	ability	NOUN
ejh-1142	3	6	to	to	PART
ejh-1142	3	7	foster	foster	VERB
ejh-1142	3	8	new	new	ADJ
ejh-1142	3	9	investments	investment	NOUN
ejh-1142	3	10	,	,	PUNCT
ejh-1142	3	11	innovation	innovation	NOUN
ejh-1142	3	12	,	,	PUNCT
ejh-1142	3	13	and	and	CCONJ
ejh-1142	3	14	competitiveness	competitiveness	NOUN
ejh-1142	3	15	if	if	SCONJ
ejh-1142	3	16	it	it	PRON
ejh-1142	3	17	can	can	AUX
ejh-1142	3	18	lessen	lessen	VERB
ejh-1142	3	19	the	the	DET
ejh-1142	3	20	impact	impact	NOUN
ejh-1142	3	21	of	of	ADP
ejh-1142	3	22	huge	huge	ADJ
ejh-1142	3	23	losses	loss	NOUN
ejh-1142	3	24	and	and	CCONJ
ejh-1142	3	25	the	the	DET
ejh-1142	3	26	associated	associated	ADJ
ejh-1142	3	27	level	level	NOUN
ejh-1142	3	28	of	of	ADP
ejh-1142	3	29	uncertainty	uncertainty	NOUN
ejh-1142	3	30	.	.	PUNCT
ejh-1142	4	1	insurance	insurance	NOUN
ejh-1142	4	2	companies	company	NOUN
ejh-1142	4	3	,	,	PUNCT
ejh-1142	4	4	in	in	ADP
ejh-1142	4	5	their	their	PRON
ejh-1142	4	6	capacity	capacity	NOUN
ejh-1142	4	7	as	as	ADP
ejh-1142	4	8	financial	financial	ADJ
ejh-1142	4	9	intermediaries	intermediary	NOUN
ejh-1142	4	10	with	with	ADP
ejh-1142	4	11	extended	extend	VERB
ejh-1142	4	12	time	time	NOUN
ejh-1142	4	13	horizons	horizon	NOUN
ejh-1142	4	14	for	for	ADP
ejh-1142	4	15	investment	investment	NOUN
ejh-1142	4	16	,	,	PUNCT
ejh-1142	4	17	can	can	AUX
ejh-1142	4	18	make	make	VERB
ejh-1142	4	19	a	a	DET
ejh-1142	4	20	contribution	contribution	NOUN
ejh-1142	4	21	to	to	ADP
ejh-1142	4	22	the	the	DET
ejh-1142	4	23	development	development	NOUN
ejh-1142	4	24	of	of	ADP
ejh-1142	4	25	long	long	ADJ
ejh-1142	4	26	-	-	PUNCT
ejh-1142	4	27	term	term	NOUN
ejh-1142	4	28	financial	financial	ADJ
ejh-1142	4	29	instruments	instrument	NOUN
ejh-1142	4	30	that	that	PRON
ejh-1142	4	31	can	can	AUX
ejh-1142	4	32	be	be	AUX
ejh-1142	4	33	used	use	VERB
ejh-1142	4	34	to	to	PART
ejh-1142	4	35	fund	fund	VERB
ejh-1142	4	36	business	business	NOUN
ejh-1142	4	37	investment	investment	NOUN
ejh-1142	4	38	and	and	CCONJ
ejh-1142	4	39	housing	housing	NOUN
ejh-1142	4	40	.	.	PUNCT
ejh-1142	5	1	methodology	methodology	NOUN
ejh-1142	5	2	:	:	PUNCT
ejh-1142	5	3	this	this	DET
ejh-1142	5	4	study	study	NOUN
ejh-1142	5	5	focuses	focus	VERB
ejh-1142	5	6	mostly	mostly	ADV
ejh-1142	5	7	on	on	ADP
ejh-1142	5	8	conducting	conduct	VERB
ejh-1142	5	9	a	a	DET
ejh-1142	5	10	literature	literature	NOUN
ejh-1142	5	11	review	review	NOUN
ejh-1142	5	12	,	,	PUNCT
ejh-1142	5	13	specifically	specifically	ADV
ejh-1142	5	14	one	one	NUM
ejh-1142	5	15	that	that	PRON
ejh-1142	5	16	examines	examine	VERB
ejh-1142	5	17	previous	previous	ADJ
ejh-1142	5	18	research	research	NOUN
ejh-1142	5	19	on	on	ADP
ejh-1142	5	20	capacity	capacity	NOUN
ejh-1142	5	21	building	building	NOUN
ejh-1142	5	22	in	in	ADP
ejh-1142	5	23	the	the	DET
ejh-1142	5	24	insurance	insurance	NOUN
ejh-1142	5	25	sector	sector	NOUN
ejh-1142	5	26	and	and	CCONJ
ejh-1142	5	27	a	a	DET
ejh-1142	5	28	search	search	NOUN
ejh-1142	5	29	of	of	ADP
ejh-1142	5	30	the	the	DET
ejh-1142	5	31	relevant	relevant	ADJ
ejh-1142	5	32	literature	literature	NOUN
ejh-1142	5	33	was	be	AUX
ejh-1142	5	34	incorporated	incorporate	VERB
ejh-1142	5	35	into	into	ADP
ejh-1142	5	36	the	the	DET
ejh-1142	5	37	work	work	NOUN
ejh-1142	5	38	technique	technique	NOUN
ejh-1142	5	39	.	.	PUNCT
ejh-1142	6	1	relevant	relevant	ADJ
ejh-1142	6	2	seminal	seminal	ADJ
ejh-1142	6	3	references	reference	NOUN
ejh-1142	6	4	and	and	CCONJ
ejh-1142	6	5	journal	journal	ADJ
ejh-1142	6	6	articles	article	NOUN
ejh-1142	6	7	for	for	ADP
ejh-1142	6	8	the	the	DET
ejh-1142	6	9	study	study	NOUN
ejh-1142	6	10	were	be	AUX
ejh-1142	6	11	identified	identify	VERB
ejh-1142	6	12	using	use	VERB
ejh-1142	6	13	google	google	PROPN
ejh-1142	6	14	scholar	scholar	NOUN
ejh-1142	6	15	beginning	begin	VERB
ejh-1142	6	16	in	in	ADP
ejh-1142	6	17	2017	2017	NUM
ejh-1142	6	18	and	and	CCONJ
ejh-1142	6	19	ending	end	VERB
ejh-1142	6	20	in	in	ADP
ejh-1142	6	21	2022	2022	NUM
ejh-1142	6	22	.	.	PUNCT
ejh-1142	7	1	findings	finding	NOUN
ejh-1142	7	2	:	:	PUNCT
ejh-1142	7	3	the	the	DET
ejh-1142	7	4	findings	finding	NOUN
ejh-1142	7	5	indicate	indicate	VERB
ejh-1142	7	6	that	that	SCONJ
ejh-1142	7	7	the	the	DET
ejh-1142	7	8	premiums	premium	NOUN
ejh-1142	7	9	for	for	ADP
ejh-1142	7	10	the	the	DET
ejh-1142	7	11	insurance	insurance	NOUN
ejh-1142	7	12	sector	sector	NOUN
ejh-1142	7	13	are	be	AUX
ejh-1142	7	14	influenced	influence	VERB
ejh-1142	7	15	by	by	ADP
ejh-1142	7	16	factors	factor	NOUN
ejh-1142	7	17	such	such	ADJ
ejh-1142	7	18	as	as	ADP
ejh-1142	7	19	the	the	DET
ejh-1142	7	20	income	income	NOUN
ejh-1142	7	21	per	per	ADP
ejh-1142	7	22	capita	capita	NOUN
ejh-1142	7	23	,	,	PUNCT
ejh-1142	7	24	the	the	DET
ejh-1142	7	25	size	size	NOUN
ejh-1142	7	26	and	and	CCONJ
ejh-1142	7	27	density	density	NOUN
ejh-1142	7	28	of	of	ADP
ejh-1142	7	29	the	the	DET
ejh-1142	7	30	population	population	NOUN
ejh-1142	7	31	,	,	PUNCT
ejh-1142	7	32	demographic	demographic	ADJ
ejh-1142	7	33	structures	structure	NOUN
ejh-1142	7	34	,	,	PUNCT
ejh-1142	7	35	income	income	NOUN
ejh-1142	7	36	distribution	distribution	NOUN
ejh-1142	7	37	,	,	PUNCT
ejh-1142	7	38	the	the	DET
ejh-1142	7	39	size	size	NOUN
ejh-1142	7	40	of	of	ADP
ejh-1142	7	41	the	the	DET
ejh-1142	7	42	public	public	ADJ
ejh-1142	7	43	pension	pension	NOUN
ejh-1142	7	44	system	system	NOUN
ejh-1142	7	45	,	,	PUNCT
ejh-1142	7	46	the	the	DET
ejh-1142	7	47	ownership	ownership	NOUN
ejh-1142	7	48	of	of	ADP
ejh-1142	7	49	insurance	insurance	NOUN
ejh-1142	7	50	companies	company	NOUN
ejh-1142	7	51	by	by	ADP
ejh-1142	7	52	states	state	NOUN
ejh-1142	7	53	,	,	PUNCT
ejh-1142	7	54	the	the	DET
ejh-1142	7	55	availability	availability	NOUN
ejh-1142	7	56	of	of	ADP
ejh-1142	7	57	private	private	ADJ
ejh-1142	7	58	credit	credit	NOUN
ejh-1142	7	59	,	,	PUNCT
ejh-1142	7	60	and	and	CCONJ
ejh-1142	7	61	religion	religion	NOUN
ejh-1142	7	62	.	.	PUNCT
ejh-1142	8	1	these	these	DET
ejh-1142	8	2	elements	element	NOUN
ejh-1142	8	3	,	,	PUNCT
ejh-1142	8	4	along	along	ADP
ejh-1142	8	5	with	with	ADP
ejh-1142	8	6	a	a	DET
ejh-1142	8	7	number	number	NOUN
ejh-1142	8	8	of	of	ADP
ejh-1142	8	9	others	other	NOUN
ejh-1142	8	10	,	,	PUNCT
ejh-1142	8	11	have	have	VERB
ejh-1142	8	12	an	an	DET
ejh-1142	8	13	impact	impact	NOUN
ejh-1142	8	14	on	on	ADP
ejh-1142	8	15	the	the	DET
ejh-1142	8	16	non	non	ADJ
ejh-1142	8	17	-	-	ADJ
ejh-1142	8	18	life	life	ADJ
ejh-1142	8	19	industry	industry	NOUN
ejh-1142	8	20	.	.	PUNCT
ejh-1142	9	1	the	the	DET
ejh-1142	9	2	results	result	NOUN
ejh-1142	9	3	reveal	reveal	VERB
ejh-1142	9	4	that	that	SCONJ
ejh-1142	9	5	the	the	DET
ejh-1142	9	6	capacity	capacity	NOUN
ejh-1142	9	7	expansion	expansion	NOUN
ejh-1142	9	8	of	of	ADP
ejh-1142	9	9	the	the	DET
ejh-1142	9	10	insurance	insurance	NOUN
ejh-1142	9	11	sector	sector	NOUN
ejh-1142	9	12	can	can	AUX
ejh-1142	9	13	be	be	AUX
ejh-1142	9	14	enabled	enable	VERB
ejh-1142	9	15	by	by	ADP
ejh-1142	9	16	a	a	DET
ejh-1142	9	17	variety	variety	NOUN
ejh-1142	9	18	of	of	ADP
ejh-1142	9	19	different	different	ADJ
ejh-1142	9	20	factors	factor	NOUN
ejh-1142	9	21	,	,	PUNCT
ejh-1142	9	22	despite	despite	SCONJ
ejh-1142	9	23	the	the	DET
ejh-1142	9	24	fact	fact	NOUN
ejh-1142	9	25	that	that	SCONJ
ejh-1142	9	26	some	some	PRON
ejh-1142	9	27	of	of	ADP
ejh-1142	9	28	these	these	DET
ejh-1142	9	29	drivers	driver	NOUN
ejh-1142	9	30	are	be	AUX
ejh-1142	9	31	structural	structural	ADJ
ejh-1142	9	32	in	in	ADP
ejh-1142	9	33	nature	nature	NOUN
ejh-1142	9	34	.	.	PUNCT
ejh-1142	10	1	unique	unique	ADJ
ejh-1142	10	2	contribution	contribution	NOUN
ejh-1142	10	3	to	to	ADP
ejh-1142	10	4	theory	theory	NOUN
ejh-1142	10	5	,	,	PUNCT
ejh-1142	10	6	policy	policy	NOUN
ejh-1142	10	7	and	and	CCONJ
ejh-1142	10	8	practice	practice	NOUN
ejh-1142	10	9	:	:	PUNCT
ejh-1142	10	10	the	the	DET
ejh-1142	10	11	studies	study	NOUN
ejh-1142	10	12	also	also	ADV
ejh-1142	10	13	suggest	suggest	VERB
ejh-1142	10	14	that	that	SCONJ
ejh-1142	10	15	insurance	insurance	NOUN
ejh-1142	10	16	companies	company	NOUN
ejh-1142	10	17	should	should	AUX
ejh-1142	10	18	conduct	conduct	VERB
ejh-1142	10	19	regular	regular	ADJ
ejh-1142	10	20	monitoring	monitoring	NOUN
ejh-1142	10	21	and	and	CCONJ
ejh-1142	10	22	evaluation	evaluation	NOUN
ejh-1142	10	23	in	in	ADP
ejh-1142	10	24	order	order	NOUN
ejh-1142	10	25	to	to	PART
ejh-1142	10	26	determine	determine	VERB
ejh-1142	10	27	how	how	SCONJ
ejh-1142	10	28	successfully	successfully	ADV
ejh-1142	10	29	they	they	PRON
ejh-1142	10	30	have	have	AUX
ejh-1142	10	31	implemented	implement	VERB
ejh-1142	10	32	their	their	PRON
ejh-1142	10	33	various	various	ADJ
ejh-1142	10	34	capacity	capacity	NOUN
ejh-1142	10	35	building	building	NOUN
ejh-1142	10	36	strategies	strategy	NOUN
ejh-1142	10	37	.	.	PUNCT
ejh-1142	11	1	keywords	keyword	NOUN
ejh-1142	11	2	:	:	PUNCT
ejh-1142	11	3	capacity	capacity	NOUN
ejh-1142	11	4	building	building	NOUN
ejh-1142	11	5	,	,	PUNCT
ejh-1142	11	6	insurance	insurance	NOUN
ejh-1142	11	7	sector	sector	NOUN
ejh-1142	11	8	,	,	PUNCT
ejh-1142	11	9	enabling	enable	VERB
ejh-1142	11	10	factors	factor	NOUN
ejh-1142	11	11	.	.	PUNCT
ejh-1142	12	1	file:///c:/users	file:///c:/user	NOUN
ejh-1142	12	2	/	/	SYM
ejh-1142	12	3	hp	hp	PROPN
ejh-1142	12	4	/	/	SYM
ejh-1142	12	5	desktop	desktop	NOUN
ejh-1142	12	6	/	/	SYM
ejh-1142	12	7	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	12	8	/	/	SYM
ejh-1142	12	9	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	12	10	/	/	SYM
ejh-1142	12	11	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	12	12	american	american	ADJ
ejh-1142	12	13	journal	journal	NOUN
ejh-1142	12	14	of	of	ADP
ejh-1142	12	15	human	human	ADJ
ejh-1142	12	16	resource	resource	NOUN
ejh-1142	12	17	issn	issn	PROPN
ejh-1142	12	18	2520	2520	NUM
ejh-1142	12	19	-	-	SYM
ejh-1142	12	20	4697	4697	NUM
ejh-1142	12	21	(	(	PUNCT
ejh-1142	12	22	online	online	ADJ
ejh-1142	12	23	)	)	PUNCT
ejh-1142	12	24	vol.6	vol.6	PROPN
ejh-1142	12	25	,	,	PUNCT
ejh-1142	12	26	issue	issue	NOUN
ejh-1142	12	27	1	1	NUM
ejh-1142	12	28	,	,	PUNCT
ejh-1142	12	29	pp	pp	ADV
ejh-1142	12	30	80	80	NUM
ejh-1142	12	31	87	87	NUM
ejh-1142	12	32	,	,	PUNCT
ejh-1142	12	33	2022	2022	NUM
ejh-1142	12	34	www.ajpojournals.org	www.ajpojournals.org	NUM
ejh-1142	12	35	81	81	NUM
ejh-1142	12	36	introduction	introduction	NOUN
ejh-1142	12	37	as	as	SCONJ
ejh-1142	12	38	organizations	organization	NOUN
ejh-1142	12	39	do	do	AUX
ejh-1142	12	40	not	not	PART
ejh-1142	12	41	function	function	VERB
ejh-1142	12	42	in	in	ADP
ejh-1142	12	43	a	a	DET
ejh-1142	12	44	vacuum	vacuum	NOUN
ejh-1142	12	45	,	,	PUNCT
ejh-1142	12	46	they	they	PRON
ejh-1142	12	47	are	be	AUX
ejh-1142	12	48	environmental	environmental	ADJ
ejh-1142	12	49	serving	serve	VERB
ejh-1142	12	50	,	,	PUNCT
ejh-1142	12	51	which	which	PRON
ejh-1142	12	52	means	mean	VERB
ejh-1142	12	53	that	that	SCONJ
ejh-1142	12	54	they	they	PRON
ejh-1142	12	55	function	function	VERB
ejh-1142	12	56	in	in	ADP
ejh-1142	12	57	an	an	DET
ejh-1142	12	58	environment	environment	NOUN
ejh-1142	12	59	in	in	ADP
ejh-1142	12	60	which	which	PRON
ejh-1142	12	61	they	they	PRON
ejh-1142	12	62	are	be	AUX
ejh-1142	12	63	inextricably	inextricably	ADV
ejh-1142	12	64	interlinked	interlink	VERB
ejh-1142	12	65	.	.	PUNCT
ejh-1142	13	1	the	the	DET
ejh-1142	13	2	environment	environment	NOUN
ejh-1142	13	3	serves	serve	VERB
ejh-1142	13	4	organizations	organization	NOUN
ejh-1142	13	5	because	because	SCONJ
ejh-1142	13	6	organizations	organization	NOUN
ejh-1142	13	7	function	function	VERB
ejh-1142	13	8	in	in	ADP
ejh-1142	13	9	an	an	DET
ejh-1142	13	10	environment	environment	NOUN
ejh-1142	13	11	in	in	ADP
ejh-1142	13	12	which	which	PRON
ejh-1142	13	13	they	they	PRON
ejh-1142	13	14	are	be	AUX
ejh-1142	13	15	inextricably	inextricably	ADV
ejh-1142	13	16	interlinked	interlink	VERB
ejh-1142	13	17	(	(	PUNCT
ejh-1142	13	18	fisher	fisher	PROPN
ejh-1142	13	19	and	and	CCONJ
ejh-1142	13	20	surminski	surminski	PROPN
ejh-1142	13	21	,	,	PUNCT
ejh-1142	13	22	2022	2022	NUM
ejh-1142	13	23	)	)	PUNCT
ejh-1142	13	24	.	.	PUNCT
ejh-1142	14	1	organizations	organization	NOUN
ejh-1142	14	2	are	be	AUX
ejh-1142	14	3	environmentally	environmentally	ADV
ejh-1142	14	4	dependent	dependent	ADJ
ejh-1142	14	5	for	for	ADP
ejh-1142	14	6	resources	resource	NOUN
ejh-1142	14	7	and	and	CCONJ
ejh-1142	14	8	also	also	ADV
ejh-1142	14	9	depend	depend	VERB
ejh-1142	14	10	on	on	ADP
ejh-1142	14	11	the	the	DET
ejh-1142	14	12	environment	environment	NOUN
ejh-1142	14	13	to	to	PART
ejh-1142	14	14	discharge	discharge	VERB
ejh-1142	14	15	their	their	PRON
ejh-1142	14	16	outputs	output	NOUN
ejh-1142	14	17	.	.	PUNCT
ejh-1142	15	1	it	it	PRON
ejh-1142	15	2	is	be	AUX
ejh-1142	15	3	this	this	DET
ejh-1142	15	4	environment	environment	NOUN
ejh-1142	15	5	in	in	ADP
ejh-1142	15	6	which	which	PRON
ejh-1142	15	7	they	they	PRON
ejh-1142	15	8	operate	operate	VERB
ejh-1142	15	9	that	that	SCONJ
ejh-1142	15	10	molds	mold	VERB
ejh-1142	15	11	them	they	PRON
ejh-1142	15	12	,	,	PUNCT
ejh-1142	15	13	which	which	PRON
ejh-1142	15	14	in	in	ADP
ejh-1142	15	15	turn	turn	NOUN
ejh-1142	15	16	influences	influence	VERB
ejh-1142	15	17	the	the	DET
ejh-1142	15	18	choices	choice	NOUN
ejh-1142	15	19	they	they	PRON
ejh-1142	15	20	make	make	VERB
ejh-1142	15	21	with	with	ADP
ejh-1142	15	22	regard	regard	NOUN
ejh-1142	15	23	to	to	ADP
ejh-1142	15	24	strategy	strategy	NOUN
ejh-1142	15	25	,	,	PUNCT
ejh-1142	15	26	and	and	CCONJ
ejh-1142	15	27	which	which	PRON
ejh-1142	15	28	ultimately	ultimately	ADV
ejh-1142	15	29	determines	determine	VERB
ejh-1142	15	30	how	how	SCONJ
ejh-1142	15	31	well	well	ADV
ejh-1142	15	32	they	they	PRON
ejh-1142	15	33	function	function	VERB
ejh-1142	15	34	.	.	PUNCT
ejh-1142	16	1	the	the	DET
ejh-1142	16	2	external	external	ADJ
ejh-1142	16	3	environment	environment	NOUN
ejh-1142	16	4	is	be	AUX
ejh-1142	16	5	highly	highly	ADV
ejh-1142	16	6	dynamic	dynamic	ADJ
ejh-1142	16	7	,	,	PUNCT
ejh-1142	16	8	and	and	CCONJ
ejh-1142	16	9	it	it	PRON
ejh-1142	16	10	is	be	AUX
ejh-1142	16	11	presumed	presume	VERB
ejh-1142	16	12	to	to	PART
ejh-1142	16	13	possess	possess	VERB
ejh-1142	16	14	some	some	DET
ejh-1142	16	15	fundamental	fundamental	ADJ
ejh-1142	16	16	requirements	requirement	NOUN
ejh-1142	16	17	and	and	CCONJ
ejh-1142	16	18	constraints	constraint	NOUN
ejh-1142	16	19	,	,	PUNCT
ejh-1142	16	20	threats	threat	NOUN
ejh-1142	16	21	and	and	CCONJ
ejh-1142	16	22	opportunities	opportunity	NOUN
ejh-1142	16	23	.	.	PUNCT
ejh-1142	17	1	in	in	ADP
ejh-1142	17	2	order	order	NOUN
ejh-1142	17	3	for	for	SCONJ
ejh-1142	17	4	businesses	business	NOUN
ejh-1142	17	5	to	to	PART
ejh-1142	17	6	be	be	AUX
ejh-1142	17	7	successful	successful	ADJ
ejh-1142	17	8	,	,	PUNCT
ejh-1142	17	9	they	they	PRON
ejh-1142	17	10	need	need	VERB
ejh-1142	17	11	to	to	PART
ejh-1142	17	12	match	match	VERB
ejh-1142	17	13	their	their	PRON
ejh-1142	17	14	strategy	strategy	NOUN
ejh-1142	17	15	,	,	PUNCT
ejh-1142	17	16	skills	skill	NOUN
ejh-1142	17	17	,	,	PUNCT
ejh-1142	17	18	and	and	CCONJ
ejh-1142	17	19	resources	resource	NOUN
ejh-1142	17	20	with	with	ADP
ejh-1142	17	21	these	these	DET
ejh-1142	17	22	aspects	aspect	NOUN
ejh-1142	17	23	of	of	ADP
ejh-1142	17	24	the	the	DET
ejh-1142	17	25	environment	environment	NOUN
ejh-1142	17	26	.	.	PUNCT
ejh-1142	18	1	lopez	lopez	PROPN
ejh-1142	18	2	-	-	PUNCT
ejh-1142	18	3	gunn	gunn	PROPN
ejh-1142	18	4	et.al	et.al	PROPN
ejh-1142	18	5	(	(	PUNCT
ejh-1142	18	6	2021	2021	NUM
ejh-1142	18	7	)	)	PUNCT
ejh-1142	18	8	attracted	attract	VERB
ejh-1142	18	9	attention	attention	NOUN
ejh-1142	18	10	to	to	ADP
ejh-1142	18	11	the	the	DET
ejh-1142	18	12	necessity	necessity	NOUN
ejh-1142	18	13	for	for	SCONJ
ejh-1142	18	14	an	an	DET
ejh-1142	18	15	organization	organization	NOUN
ejh-1142	18	16	to	to	PART
ejh-1142	18	17	assess	assess	VERB
ejh-1142	18	18	the	the	DET
ejh-1142	18	19	level	level	NOUN
ejh-1142	18	20	of	of	ADP
ejh-1142	18	21	turbulence	turbulence	NOUN
ejh-1142	18	22	in	in	ADP
ejh-1142	18	23	its	its	PRON
ejh-1142	18	24	environment	environment	NOUN
ejh-1142	18	25	and	and	CCONJ
ejh-1142	18	26	to	to	PART
ejh-1142	18	27	adapt	adapt	VERB
ejh-1142	18	28	its	its	PRON
ejh-1142	18	29	tactics	tactic	NOUN
ejh-1142	18	30	to	to	ADP
ejh-1142	18	31	that	that	DET
ejh-1142	18	32	level	level	NOUN
ejh-1142	18	33	of	of	ADP
ejh-1142	18	34	turbulence	turbulence	NOUN
ejh-1142	18	35	.	.	PUNCT
ejh-1142	19	1	analysis	analysis	NOUN
ejh-1142	19	2	of	of	ADP
ejh-1142	19	3	the	the	DET
ejh-1142	19	4	industry	industry	NOUN
ejh-1142	19	5	enables	enable	VERB
ejh-1142	19	6	companies	company	NOUN
ejh-1142	19	7	to	to	PART
ejh-1142	19	8	determine	determine	VERB
ejh-1142	19	9	the	the	DET
ejh-1142	19	10	elements	element	NOUN
ejh-1142	19	11	that	that	PRON
ejh-1142	19	12	contribute	contribute	VERB
ejh-1142	19	13	to	to	ADP
ejh-1142	19	14	their	their	PRON
ejh-1142	19	15	capacity	capacity	NOUN
ejh-1142	19	16	building	building	NOUN
ejh-1142	19	17	and	and	CCONJ
ejh-1142	19	18	to	to	PART
ejh-1142	19	19	align	align	VERB
ejh-1142	19	20	their	their	PRON
ejh-1142	19	21	actions	action	NOUN
ejh-1142	19	22	with	with	ADP
ejh-1142	19	23	those	those	DET
ejh-1142	19	24	aspects	aspect	NOUN
ejh-1142	19	25	in	in	ADP
ejh-1142	19	26	order	order	NOUN
ejh-1142	19	27	to	to	PART
ejh-1142	19	28	achieve	achieve	VERB
ejh-1142	19	29	a	a	DET
ejh-1142	19	30	sustainable	sustainable	ADJ
ejh-1142	19	31	advantage	advantage	NOUN
ejh-1142	19	32	in	in	ADP
ejh-1142	19	33	the	the	DET
ejh-1142	19	34	marketplace	marketplace	NOUN
ejh-1142	19	35	.	.	PUNCT
ejh-1142	20	1	it	it	PRON
ejh-1142	20	2	is	be	AUX
ejh-1142	20	3	necessary	necessary	ADJ
ejh-1142	20	4	for	for	SCONJ
ejh-1142	20	5	success	success	NOUN
ejh-1142	20	6	in	in	ADP
ejh-1142	20	7	the	the	DET
ejh-1142	20	8	market	market	NOUN
ejh-1142	20	9	place	place	NOUN
ejh-1142	20	10	to	to	PART
ejh-1142	20	11	have	have	VERB
ejh-1142	20	12	an	an	DET
ejh-1142	20	13	in	in	ADP
ejh-1142	20	14	-	-	PUNCT
ejh-1142	20	15	depth	depth	NOUN
ejh-1142	20	16	knowledge	knowledge	NOUN
ejh-1142	20	17	of	of	ADP
ejh-1142	20	18	the	the	DET
ejh-1142	20	19	qualities	quality	NOUN
ejh-1142	20	20	that	that	PRON
ejh-1142	20	21	are	be	AUX
ejh-1142	20	22	unique	unique	ADJ
ejh-1142	20	23	to	to	ADP
ejh-1142	20	24	the	the	DET
ejh-1142	20	25	sector	sector	NOUN
ejh-1142	20	26	as	as	ADV
ejh-1142	20	27	well	well	ADV
ejh-1142	20	28	as	as	ADP
ejh-1142	20	29	a	a	DET
ejh-1142	20	30	comprehension	comprehension	NOUN
ejh-1142	20	31	of	of	ADP
ejh-1142	20	32	what	what	PRON
ejh-1142	20	33	makes	make	VERB
ejh-1142	20	34	the	the	DET
ejh-1142	20	35	industry	industry	NOUN
ejh-1142	20	36	function	function	NOUN
ejh-1142	20	37	.	.	PUNCT
ejh-1142	21	1	understanding	understand	VERB
ejh-1142	21	2	that	that	PRON
ejh-1142	21	3	each	each	DET
ejh-1142	21	4	sector	sector	NOUN
ejh-1142	21	5	requires	require	VERB
ejh-1142	21	6	a	a	DET
ejh-1142	21	7	unique	unique	ADJ
ejh-1142	21	8	approach	approach	NOUN
ejh-1142	21	9	to	to	ADP
ejh-1142	21	10	environmental	environmental	ADJ
ejh-1142	21	11	analysis	analysis	NOUN
ejh-1142	21	12	is	be	AUX
ejh-1142	21	13	essential	essential	ADJ
ejh-1142	21	14	to	to	ADP
ejh-1142	21	15	producing	produce	VERB
ejh-1142	21	16	accurate	accurate	ADJ
ejh-1142	21	17	results	result	NOUN
ejh-1142	21	18	.	.	PUNCT
ejh-1142	22	1	according	accord	VERB
ejh-1142	22	2	to	to	ADP
ejh-1142	22	3	mazviona	mazviona	PROPN
ejh-1142	22	4	et.al	et.al	PROPN
ejh-1142	22	5	(	(	PUNCT
ejh-1142	22	6	2017	2017	NUM
ejh-1142	22	7	)	)	PUNCT
ejh-1142	22	8	,	,	PUNCT
ejh-1142	22	9	the	the	DET
ejh-1142	22	10	identification	identification	NOUN
ejh-1142	22	11	of	of	ADP
ejh-1142	22	12	the	the	DET
ejh-1142	22	13	factors	factor	NOUN
ejh-1142	22	14	that	that	PRON
ejh-1142	22	15	enable	enable	VERB
ejh-1142	22	16	capacity	capacity	NOUN
ejh-1142	22	17	building	building	NOUN
ejh-1142	22	18	that	that	PRON
ejh-1142	22	19	are	be	AUX
ejh-1142	22	20	specific	specific	ADJ
ejh-1142	22	21	to	to	ADP
ejh-1142	22	22	an	an	DET
ejh-1142	22	23	industry	industry	NOUN
ejh-1142	22	24	can	can	AUX
ejh-1142	22	25	be	be	AUX
ejh-1142	22	26	especially	especially	ADV
ejh-1142	22	27	useful	useful	ADJ
ejh-1142	22	28	because	because	SCONJ
ejh-1142	22	29	it	it	PRON
ejh-1142	22	30	allows	allow	VERB
ejh-1142	22	31	an	an	DET
ejh-1142	22	32	organization	organization	NOUN
ejh-1142	22	33	to	to	PART
ejh-1142	22	34	achieve	achieve	VERB
ejh-1142	22	35	"	"	PUNCT
ejh-1142	22	36	strategic	strategic	ADJ
ejh-1142	22	37	fit	fit	NOUN
ejh-1142	22	38	,	,	PUNCT
ejh-1142	22	39	"	"	PUNCT
ejh-1142	22	40	which	which	PRON
ejh-1142	22	41	is	be	AUX
ejh-1142	22	42	the	the	DET
ejh-1142	22	43	optimal	optimal	ADJ
ejh-1142	22	44	match	match	NOUN
ejh-1142	22	45	between	between	ADP
ejh-1142	22	46	the	the	DET
ejh-1142	22	47	conditions	condition	NOUN
ejh-1142	22	48	of	of	ADP
ejh-1142	22	49	its	its	PRON
ejh-1142	22	50	industry	industry	NOUN
ejh-1142	22	51	and	and	CCONJ
ejh-1142	22	52	the	the	DET
ejh-1142	22	53	activities	activity	NOUN
ejh-1142	22	54	of	of	ADP
ejh-1142	22	55	that	that	DET
ejh-1142	22	56	organization	organization	NOUN
ejh-1142	22	57	.	.	PUNCT
ejh-1142	23	1	according	accord	VERB
ejh-1142	23	2	to	to	ADP
ejh-1142	23	3	eling	eling	PROPN
ejh-1142	23	4	and	and	CCONJ
ejh-1142	23	5	luhnen	luhnen	PROPN
ejh-1142	23	6	(	(	PUNCT
ejh-1142	23	7	2020	2020	NUM
ejh-1142	23	8	)	)	PUNCT
ejh-1142	23	9	,	,	PUNCT
ejh-1142	23	10	no	no	DET
ejh-1142	23	11	company	company	NOUN
ejh-1142	23	12	can	can	AUX
ejh-1142	23	13	afford	afford	VERB
ejh-1142	23	14	to	to	PART
ejh-1142	23	15	establish	establish	VERB
ejh-1142	23	16	a	a	DET
ejh-1142	23	17	strategy	strategy	NOUN
ejh-1142	23	18	that	that	PRON
ejh-1142	23	19	does	do	AUX
ejh-1142	23	20	not	not	PART
ejh-1142	23	21	provide	provide	VERB
ejh-1142	23	22	sufficient	sufficient	ADJ
ejh-1142	23	23	attention	attention	NOUN
ejh-1142	23	24	to	to	ADP
ejh-1142	23	25	the	the	DET
ejh-1142	23	26	primary	primary	ADJ
ejh-1142	23	27	aspects	aspect	NOUN
ejh-1142	23	28	that	that	PRON
ejh-1142	23	29	contribute	contribute	VERB
ejh-1142	23	30	to	to	ADP
ejh-1142	23	31	success	success	NOUN
ejh-1142	23	32	in	in	ADP
ejh-1142	23	33	the	the	DET
ejh-1142	23	34	sector	sector	NOUN
ejh-1142	23	35	.	.	PUNCT
ejh-1142	24	1	they	they	PRON
ejh-1142	24	2	concluded	conclude	VERB
ejh-1142	24	3	that	that	SCONJ
ejh-1142	24	4	this	this	PRON
ejh-1142	24	5	would	would	AUX
ejh-1142	24	6	be	be	AUX
ejh-1142	24	7	a	a	DET
ejh-1142	24	8	recipe	recipe	NOUN
ejh-1142	24	9	for	for	ADP
ejh-1142	24	10	failure	failure	NOUN
ejh-1142	24	11	.	.	PUNCT
ejh-1142	25	1	having	have	VERB
ejh-1142	25	2	capabilities	capability	NOUN
ejh-1142	25	3	and	and	CCONJ
ejh-1142	25	4	initiatives	initiative	NOUN
ejh-1142	25	5	that	that	PRON
ejh-1142	25	6	,	,	PUNCT
ejh-1142	25	7	from	from	ADP
ejh-1142	25	8	the	the	DET
ejh-1142	25	9	perspective	perspective	NOUN
ejh-1142	25	10	of	of	ADP
ejh-1142	25	11	the	the	DET
ejh-1142	25	12	client	client	NOUN
ejh-1142	25	13	,	,	PUNCT
ejh-1142	25	14	do	do	AUX
ejh-1142	25	15	not	not	PART
ejh-1142	25	16	add	add	VERB
ejh-1142	25	17	"	"	PUNCT
ejh-1142	25	18	value	value	NOUN
ejh-1142	25	19	"	"	PUNCT
ejh-1142	25	20	is	be	AUX
ejh-1142	25	21	a	a	DET
ejh-1142	25	22	waste	waste	NOUN
ejh-1142	25	23	of	of	ADP
ejh-1142	25	24	time	time	NOUN
ejh-1142	25	25	and	and	CCONJ
ejh-1142	25	26	resources	resource	NOUN
ejh-1142	25	27	.	.	PUNCT
ejh-1142	26	1	in	in	ADP
ejh-1142	26	2	order	order	NOUN
ejh-1142	26	3	to	to	PART
ejh-1142	26	4	fulfill	fulfill	VERB
ejh-1142	26	5	the	the	DET
ejh-1142	26	6	requirements	requirement	NOUN
ejh-1142	26	7	of	of	ADP
ejh-1142	26	8	the	the	DET
ejh-1142	26	9	consumers	consumer	NOUN
ejh-1142	26	10	,	,	PUNCT
ejh-1142	26	11	the	the	DET
ejh-1142	26	12	strategic	strategic	ADJ
ejh-1142	26	13	capabilities	capability	NOUN
ejh-1142	26	14	should	should	AUX
ejh-1142	26	15	be	be	AUX
ejh-1142	26	16	centered	center	VERB
ejh-1142	26	17	on	on	ADP
ejh-1142	26	18	the	the	DET
ejh-1142	26	19	capacity	capacity	NOUN
ejh-1142	26	20	building	building	NOUN
ejh-1142	26	21	aspects	aspect	NOUN
ejh-1142	26	22	.	.	PUNCT
ejh-1142	27	1	in	in	ADP
ejh-1142	27	2	light	light	NOUN
ejh-1142	27	3	of	of	ADP
ejh-1142	27	4	this	this	PRON
ejh-1142	27	5	,	,	PUNCT
ejh-1142	27	6	it	it	PRON
ejh-1142	27	7	is	be	AUX
ejh-1142	27	8	essential	essential	ADJ
ejh-1142	27	9	to	to	PART
ejh-1142	27	10	stress	stress	VERB
ejh-1142	27	11	that	that	SCONJ
ejh-1142	27	12	in	in	ADP
ejh-1142	27	13	order	order	NOUN
ejh-1142	27	14	for	for	SCONJ
ejh-1142	27	15	businesses	business	NOUN
ejh-1142	27	16	to	to	PART
ejh-1142	27	17	develop	develop	VERB
ejh-1142	27	18	a	a	DET
ejh-1142	27	19	competitive	competitive	ADJ
ejh-1142	27	20	edge	edge	NOUN
ejh-1142	27	21	,	,	PUNCT
ejh-1142	27	22	they	they	PRON
ejh-1142	27	23	need	need	VERB
ejh-1142	27	24	to	to	PART
ejh-1142	27	25	possess	possess	VERB
ejh-1142	27	26	competencies	competency	NOUN
ejh-1142	27	27	that	that	PRON
ejh-1142	27	28	are	be	AUX
ejh-1142	27	29	valuable	valuable	ADJ
ejh-1142	27	30	to	to	ADP
ejh-1142	27	31	their	their	PRON
ejh-1142	27	32	target	target	NOUN
ejh-1142	27	33	markets	market	NOUN
ejh-1142	27	34	(	(	PUNCT
ejh-1142	27	35	gituma	gituma	ADJ
ejh-1142	27	36	and	and	CCONJ
ejh-1142	27	37	beyene	beyene	NOUN
ejh-1142	27	38	,	,	PUNCT
ejh-1142	27	39	2018	2018	NUM
ejh-1142	27	40	)	)	PUNCT
ejh-1142	27	41	.	.	PUNCT
ejh-1142	28	1	the	the	DET
ejh-1142	28	2	ability	ability	NOUN
ejh-1142	28	3	to	to	PART
ejh-1142	28	4	maintain	maintain	VERB
ejh-1142	28	5	a	a	DET
ejh-1142	28	6	competitive	competitive	ADJ
ejh-1142	28	7	edge	edge	NOUN
ejh-1142	28	8	over	over	ADP
ejh-1142	28	9	time	time	NOUN
ejh-1142	28	10	is	be	AUX
ejh-1142	28	11	the	the	DET
ejh-1142	28	12	primary	primary	ADJ
ejh-1142	28	13	factor	factor	NOUN
ejh-1142	28	14	that	that	PRON
ejh-1142	28	15	contributes	contribute	VERB
ejh-1142	28	16	to	to	ADP
ejh-1142	28	17	above	above	ADP
ejh-1142	28	18	-	-	PUNCT
ejh-1142	28	19	average	average	NOUN
ejh-1142	28	20	performance	performance	NOUN
ejh-1142	28	21	over	over	ADP
ejh-1142	28	22	the	the	DET
ejh-1142	28	23	long	long	ADJ
ejh-1142	28	24	term	term	NOUN
ejh-1142	28	25	(	(	PUNCT
ejh-1142	28	26	heenkenda	heenkenda	PROPN
ejh-1142	28	27	,	,	PUNCT
ejh-1142	28	28	2018	2018	NUM
ejh-1142	28	29	)	)	PUNCT
ejh-1142	28	30	.	.	PUNCT
ejh-1142	29	1	therefore	therefore	ADV
ejh-1142	29	2	,	,	PUNCT
ejh-1142	29	3	we	we	PRON
ejh-1142	29	4	can	can	AUX
ejh-1142	29	5	say	say	VERB
ejh-1142	29	6	that	that	SCONJ
ejh-1142	29	7	a	a	DET
ejh-1142	29	8	company	company	NOUN
ejh-1142	29	9	has	have	VERB
ejh-1142	29	10	a	a	DET
ejh-1142	29	11	competitive	competitive	ADJ
ejh-1142	29	12	edge	edge	NOUN
ejh-1142	29	13	in	in	ADP
ejh-1142	29	14	the	the	DET
ejh-1142	29	15	market	market	NOUN
ejh-1142	29	16	if	if	SCONJ
ejh-1142	29	17	it	it	PRON
ejh-1142	29	18	produces	produce	VERB
ejh-1142	29	19	offerings	offering	NOUN
ejh-1142	29	20	that	that	PRON
ejh-1142	29	21	have	have	VERB
ejh-1142	29	22	a	a	DET
ejh-1142	29	23	better	well	ADJ
ejh-1142	29	24	perceived	perceive	VERB
ejh-1142	29	25	value	value	NOUN
ejh-1142	29	26	and/or	and/or	CCONJ
ejh-1142	29	27	a	a	DET
ejh-1142	29	28	lower	low	ADJ
ejh-1142	29	29	relative	relative	ADJ
ejh-1142	29	30	cost	cost	NOUN
ejh-1142	29	31	than	than	ADP
ejh-1142	29	32	businesses	business	NOUN
ejh-1142	29	33	that	that	PRON
ejh-1142	29	34	are	be	AUX
ejh-1142	29	35	in	in	ADP
ejh-1142	29	36	direct	direct	ADJ
ejh-1142	29	37	competition	competition	NOUN
ejh-1142	29	38	with	with	ADP
ejh-1142	29	39	it	it	PRON
ejh-1142	29	40	.	.	PUNCT
ejh-1142	30	1	it	it	PRON
ejh-1142	30	2	is	be	AUX
ejh-1142	30	3	believed	believe	VERB
ejh-1142	30	4	that	that	SCONJ
ejh-1142	30	5	changes	change	NOUN
ejh-1142	30	6	in	in	ADP
ejh-1142	30	7	economic	economic	ADJ
ejh-1142	30	8	,	,	PUNCT
ejh-1142	30	9	social	social	ADJ
ejh-1142	30	10	,	,	PUNCT
ejh-1142	30	11	political	political	ADJ
ejh-1142	30	12	,	,	PUNCT
ejh-1142	30	13	technological	technological	ADJ
ejh-1142	30	14	,	,	PUNCT
ejh-1142	30	15	cultural	cultural	ADJ
ejh-1142	30	16	,	,	PUNCT
ejh-1142	30	17	religious	religious	ADJ
ejh-1142	30	18	,	,	PUNCT
ejh-1142	30	19	and	and	CCONJ
ejh-1142	30	20	demographic	demographic	ADJ
ejh-1142	30	21	dynamics	dynamic	NOUN
ejh-1142	30	22	have	have	VERB
ejh-1142	30	23	mutual	mutual	ADJ
ejh-1142	30	24	links	link	NOUN
ejh-1142	30	25	with	with	ADP
ejh-1142	30	26	the	the	DET
ejh-1142	30	27	growth	growth	NOUN
ejh-1142	30	28	of	of	ADP
ejh-1142	30	29	the	the	DET
ejh-1142	30	30	insurance	insurance	NOUN
ejh-1142	30	31	industry	industry	NOUN
ejh-1142	30	32	.	.	PUNCT
ejh-1142	31	1	according	accord	VERB
ejh-1142	31	2	to	to	ADP
ejh-1142	31	3	tangcharoensathien	tangcharoensathien	NOUN
ejh-1142	31	4	et.al	et.al	PROPN
ejh-1142	31	5	(	(	PUNCT
ejh-1142	31	6	2017	2017	NUM
ejh-1142	31	7	)	)	PUNCT
ejh-1142	31	8	,	,	PUNCT
ejh-1142	31	9	each	each	PRON
ejh-1142	31	10	and	and	CCONJ
ejh-1142	31	11	every	every	DET
ejh-1142	31	12	one	one	NUM
ejh-1142	31	13	of	of	ADP
ejh-1142	31	14	these	these	DET
ejh-1142	31	15	factors	factor	NOUN
ejh-1142	31	16	has	have	AUX
ejh-1142	31	17	been	be	AUX
ejh-1142	31	18	labeled	label	VERB
ejh-1142	31	19	as	as	ADP
ejh-1142	31	20	a	a	DET
ejh-1142	31	21	driver	driver	NOUN
ejh-1142	31	22	of	of	ADP
ejh-1142	31	23	globalization	globalization	NOUN
ejh-1142	31	24	.	.	PUNCT
ejh-1142	32	1	on	on	ADP
ejh-1142	32	2	the	the	DET
ejh-1142	32	3	other	other	ADJ
ejh-1142	32	4	hand	hand	NOUN
ejh-1142	32	5	,	,	PUNCT
ejh-1142	32	6	insurance	insurance	NOUN
ejh-1142	32	7	companies	company	NOUN
ejh-1142	32	8	and	and	CCONJ
ejh-1142	32	9	other	other	ADJ
ejh-1142	32	10	financial	financial	ADJ
ejh-1142	32	11	institutions	institution	NOUN
ejh-1142	32	12	,	,	PUNCT
ejh-1142	32	13	through	through	ADP
ejh-1142	32	14	the	the	DET
ejh-1142	32	15	actions	action	NOUN
ejh-1142	32	16	of	of	ADP
ejh-1142	32	17	their	their	PRON
ejh-1142	32	18	salesforces	salesforce	NOUN
ejh-1142	32	19	,	,	PUNCT
ejh-1142	32	20	have	have	VERB
ejh-1142	32	21	a	a	DET
ejh-1142	32	22	big	big	ADJ
ejh-1142	32	23	opportunity	opportunity	NOUN
ejh-1142	32	24	to	to	PART
ejh-1142	32	25	play	play	VERB
ejh-1142	32	26	a	a	DET
ejh-1142	32	27	role	role	NOUN
ejh-1142	32	28	in	in	ADP
ejh-1142	32	29	regaining	regain	VERB
ejh-1142	32	30	the	the	DET
ejh-1142	32	31	lost	lost	ADJ
ejh-1142	32	32	trust	trust	NOUN
ejh-1142	32	33	of	of	ADP
ejh-1142	32	34	potential	potential	ADJ
ejh-1142	32	35	clients	client	NOUN
ejh-1142	32	36	in	in	ADP
ejh-1142	32	37	the	the	DET
ejh-1142	32	38	services	service	NOUN
ejh-1142	32	39	they	they	PRON
ejh-1142	32	40	provide	provide	VERB
ejh-1142	32	41	.	.	PUNCT
ejh-1142	33	1	it	it	PRON
ejh-1142	33	2	has	have	AUX
ejh-1142	33	3	come	come	VERB
ejh-1142	33	4	to	to	ADP
ejh-1142	33	5	everyone	everyone	PRON
ejh-1142	33	6	's	's	PART
ejh-1142	33	7	attention	attention	NOUN
ejh-1142	33	8	that	that	PRON
ejh-1142	33	9	trust	trust	NOUN
ejh-1142	33	10	and	and	CCONJ
ejh-1142	33	11	confidence	confidence	NOUN
ejh-1142	33	12	play	play	VERB
ejh-1142	33	13	a	a	DET
ejh-1142	33	14	significant	significant	ADJ
ejh-1142	33	15	role	role	NOUN
ejh-1142	33	16	in	in	ADP
ejh-1142	33	17	the	the	DET
ejh-1142	33	18	customer	customer	NOUN
ejh-1142	33	19	base	base	NOUN
ejh-1142	33	20	of	of	ADP
ejh-1142	33	21	insurance	insurance	NOUN
ejh-1142	33	22	companies	company	NOUN
ejh-1142	33	23	.	.	PUNCT
ejh-1142	34	1	in	in	ADP
ejh-1142	34	2	previous	previous	ADJ
ejh-1142	34	3	file:///c:/users	file:///c:/user	NOUN
ejh-1142	34	4	/	/	SYM
ejh-1142	34	5	hp	hp	NOUN
ejh-1142	34	6	/	/	SYM
ejh-1142	34	7	desktop	desktop	NOUN
ejh-1142	34	8	/	/	SYM
ejh-1142	34	9	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	34	10	/	/	SYM
ejh-1142	34	11	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	34	12	/	/	SYM
ejh-1142	34	13	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	34	14	american	american	ADJ
ejh-1142	34	15	journal	journal	NOUN
ejh-1142	34	16	of	of	ADP
ejh-1142	34	17	human	human	ADJ
ejh-1142	34	18	resource	resource	NOUN
ejh-1142	34	19	issn	issn	PROPN
ejh-1142	34	20	2520	2520	NUM
ejh-1142	34	21	-	-	SYM
ejh-1142	34	22	4697	4697	NUM
ejh-1142	34	23	(	(	PUNCT
ejh-1142	34	24	online	online	ADJ
ejh-1142	34	25	)	)	PUNCT
ejh-1142	34	26	vol.6	vol.6	PROPN
ejh-1142	34	27	,	,	PUNCT
ejh-1142	34	28	issue	issue	NOUN
ejh-1142	34	29	1	1	NUM
ejh-1142	34	30	,	,	PUNCT
ejh-1142	34	31	pp	pp	ADV
ejh-1142	34	32	80	80	NUM
ejh-1142	34	33	87	87	NUM
ejh-1142	34	34	,	,	PUNCT
ejh-1142	34	35	2022	2022	NUM
ejh-1142	34	36	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	35	1	82	82	NUM
ejh-1142	35	2	investigations	investigation	NOUN
ejh-1142	35	3	,	,	PUNCT
ejh-1142	35	4	evidence	evidence	NOUN
ejh-1142	35	5	had	have	AUX
ejh-1142	35	6	been	be	AUX
ejh-1142	35	7	provided	provide	VERB
ejh-1142	35	8	that	that	PRON
ejh-1142	35	9	was	be	AUX
ejh-1142	35	10	relevant	relevant	ADJ
ejh-1142	35	11	to	to	ADP
ejh-1142	35	12	this	this	DET
ejh-1142	35	13	allusion	allusion	NOUN
ejh-1142	35	14	.	.	PUNCT
ejh-1142	36	1	for	for	ADP
ejh-1142	36	2	instance	instance	NOUN
ejh-1142	36	3	,	,	PUNCT
ejh-1142	36	4	while	while	SCONJ
ejh-1142	36	5	the	the	DET
ejh-1142	36	6	research	research	NOUN
ejh-1142	36	7	of	of	ADP
ejh-1142	36	8	garrison	garrison	NOUN
ejh-1142	36	9	et.al	et.al	PROPN
ejh-1142	36	10	(	(	PUNCT
ejh-1142	36	11	2017	2017	NUM
ejh-1142	36	12	)	)	PUNCT
ejh-1142	36	13	found	find	VERB
ejh-1142	36	14	that	that	SCONJ
ejh-1142	36	15	the	the	DET
ejh-1142	36	16	low	low	ADJ
ejh-1142	36	17	culture	culture	NOUN
ejh-1142	36	18	of	of	ADP
ejh-1142	36	19	insurance	insurance	NOUN
ejh-1142	36	20	is	be	AUX
ejh-1142	36	21	caused	cause	VERB
ejh-1142	36	22	by	by	ADP
ejh-1142	36	23	a	a	DET
ejh-1142	36	24	lack	lack	NOUN
ejh-1142	36	25	of	of	ADP
ejh-1142	36	26	confidence	confidence	NOUN
ejh-1142	36	27	in	in	ADP
ejh-1142	36	28	the	the	DET
ejh-1142	36	29	insurance	insurance	NOUN
ejh-1142	36	30	industry	industry	NOUN
ejh-1142	36	31	,	,	PUNCT
ejh-1142	36	32	the	the	DET
ejh-1142	36	33	research	research	NOUN
ejh-1142	36	34	of	of	ADP
ejh-1142	36	35	murigu	murigu	PROPN
ejh-1142	36	36	(	(	PUNCT
ejh-1142	36	37	2018	2018	NUM
ejh-1142	36	38	)	)	PUNCT
ejh-1142	36	39	found	find	VERB
ejh-1142	36	40	that	that	SCONJ
ejh-1142	36	41	70	70	NUM
ejh-1142	36	42	percent	percent	NOUN
ejh-1142	36	43	of	of	ADP
ejh-1142	36	44	people	people	NOUN
ejh-1142	36	45	do	do	AUX
ejh-1142	36	46	n't	not	PART
ejh-1142	36	47	trust	trust	VERB
ejh-1142	36	48	insurance	insurance	NOUN
ejh-1142	36	49	companies	company	NOUN
ejh-1142	36	50	.	.	PUNCT
ejh-1142	37	1	both	both	PRON
ejh-1142	37	2	of	of	ADP
ejh-1142	37	3	these	these	DET
ejh-1142	37	4	findings	finding	NOUN
ejh-1142	37	5	point	point	VERB
ejh-1142	37	6	to	to	ADP
ejh-1142	37	7	a	a	DET
ejh-1142	37	8	lack	lack	NOUN
ejh-1142	37	9	of	of	ADP
ejh-1142	37	10	confidence	confidence	NOUN
ejh-1142	37	11	in	in	ADP
ejh-1142	37	12	the	the	DET
ejh-1142	37	13	insurance	insurance	NOUN
ejh-1142	37	14	industry	industry	NOUN
ejh-1142	37	15	.	.	PUNCT
ejh-1142	38	1	the	the	DET
ejh-1142	38	2	purpose	purpose	NOUN
ejh-1142	38	3	of	of	ADP
ejh-1142	38	4	selling	sell	VERB
ejh-1142	38	5	insurance	insurance	NOUN
ejh-1142	38	6	is	be	AUX
ejh-1142	38	7	aided	aid	VERB
ejh-1142	38	8	via	via	ADP
ejh-1142	38	9	effective	effective	ADJ
ejh-1142	38	10	insurance	insurance	NOUN
ejh-1142	38	11	activities	activity	NOUN
ejh-1142	38	12	;	;	PUNCT
ejh-1142	38	13	as	as	ADP
ejh-1142	38	14	a	a	DET
ejh-1142	38	15	result	result	NOUN
ejh-1142	38	16	,	,	PUNCT
ejh-1142	38	17	bonding	bonding	NOUN
ejh-1142	38	18	relationships	relationship	NOUN
ejh-1142	38	19	form	form	NOUN
ejh-1142	38	20	between	between	ADP
ejh-1142	38	21	clients	client	NOUN
ejh-1142	38	22	and	and	CCONJ
ejh-1142	38	23	insurance	insurance	NOUN
ejh-1142	38	24	firms	firm	NOUN
ejh-1142	38	25	.	.	PUNCT
ejh-1142	39	1	therefore	therefore	ADV
ejh-1142	39	2	,	,	PUNCT
ejh-1142	39	3	the	the	DET
ejh-1142	39	4	activities	activity	NOUN
ejh-1142	39	5	of	of	ADP
ejh-1142	39	6	the	the	DET
ejh-1142	39	7	salesforce	salesforce	NOUN
ejh-1142	39	8	are	be	AUX
ejh-1142	39	9	a	a	DET
ejh-1142	39	10	perfect	perfect	ADJ
ejh-1142	39	11	representation	representation	NOUN
ejh-1142	39	12	of	of	ADP
ejh-1142	39	13	an	an	DET
ejh-1142	39	14	insurance	insurance	NOUN
ejh-1142	39	15	company	company	NOUN
ejh-1142	39	16	's	's	PART
ejh-1142	39	17	expertise	expertise	NOUN
ejh-1142	39	18	,	,	PUNCT
ejh-1142	39	19	capabilities	capability	NOUN
ejh-1142	39	20	,	,	PUNCT
ejh-1142	39	21	and	and	CCONJ
ejh-1142	39	22	personality	personality	NOUN
ejh-1142	39	23	because	because	SCONJ
ejh-1142	39	24	an	an	DET
ejh-1142	39	25	insurance	insurance	NOUN
ejh-1142	39	26	company	company	NOUN
ejh-1142	39	27	is	be	AUX
ejh-1142	39	28	a	a	DET
ejh-1142	39	29	service	service	NOUN
ejh-1142	39	30	organization	organization	NOUN
ejh-1142	39	31	.	.	PUNCT
ejh-1142	40	1	a	a	DET
ejh-1142	40	2	poorly	poorly	ADV
ejh-1142	40	3	motivated	motivated	ADJ
ejh-1142	40	4	salesforce	salesforce	NOUN
ejh-1142	40	5	,	,	PUNCT
ejh-1142	40	6	on	on	ADP
ejh-1142	40	7	the	the	DET
ejh-1142	40	8	other	other	ADJ
ejh-1142	40	9	hand	hand	NOUN
ejh-1142	40	10	,	,	PUNCT
ejh-1142	40	11	will	will	AUX
ejh-1142	40	12	be	be	AUX
ejh-1142	40	13	costly	costly	ADJ
ejh-1142	40	14	to	to	ADP
ejh-1142	40	15	the	the	DET
ejh-1142	40	16	organization	organization	NOUN
ejh-1142	40	17	in	in	ADP
ejh-1142	40	18	terms	term	NOUN
ejh-1142	40	19	of	of	ADP
ejh-1142	40	20	lower	low	ADJ
ejh-1142	40	21	performance	performance	NOUN
ejh-1142	40	22	,	,	PUNCT
ejh-1142	40	23	excessive	excessive	ADJ
ejh-1142	40	24	staff	staff	NOUN
ejh-1142	40	25	turnover	turnover	NOUN
ejh-1142	40	26	,	,	PUNCT
ejh-1142	40	27	increased	increase	VERB
ejh-1142	40	28	expenses	expense	NOUN
ejh-1142	40	29	,	,	PUNCT
ejh-1142	40	30	higher	high	ADJ
ejh-1142	40	31	use	use	NOUN
ejh-1142	40	32	of	of	ADP
ejh-1142	40	33	the	the	DET
ejh-1142	40	34	sales	sale	NOUN
ejh-1142	40	35	manager	manager	NOUN
ejh-1142	40	36	's	's	PART
ejh-1142	40	37	time	time	NOUN
ejh-1142	40	38	,	,	PUNCT
ejh-1142	40	39	and	and	CCONJ
ejh-1142	40	40	a	a	DET
ejh-1142	40	41	negative	negative	ADJ
ejh-1142	40	42	effect	effect	NOUN
ejh-1142	40	43	on	on	ADP
ejh-1142	40	44	the	the	DET
ejh-1142	40	45	morale	morale	NOUN
ejh-1142	40	46	of	of	ADP
ejh-1142	40	47	colleagues	colleague	NOUN
ejh-1142	40	48	.	.	PUNCT
ejh-1142	41	1	this	this	PRON
ejh-1142	41	2	was	be	AUX
ejh-1142	41	3	stated	state	VERB
ejh-1142	41	4	explicitly	explicitly	ADV
ejh-1142	41	5	in	in	ADP
ejh-1142	41	6	an	an	DET
ejh-1142	41	7	earlier	early	ADJ
ejh-1142	41	8	study	study	NOUN
ejh-1142	41	9	conducted	conduct	VERB
ejh-1142	41	10	by	by	ADP
ejh-1142	41	11	surminski	surminski	PROPN
ejh-1142	41	12	and	and	CCONJ
ejh-1142	41	13	oramas	oramas	PROPN
ejh-1142	41	14	-	-	PUNCT
ejh-1142	41	15	dorta	dorta	NOUN
ejh-1142	41	16	(	(	PUNCT
ejh-1142	41	17	2018	2018	NUM
ejh-1142	41	18	)	)	PUNCT
ejh-1142	41	19	,	,	PUNCT
ejh-1142	41	20	which	which	PRON
ejh-1142	41	21	found	find	VERB
ejh-1142	41	22	that	that	SCONJ
ejh-1142	41	23	a	a	DET
ejh-1142	41	24	well	well	ADV
ejh-1142	41	25	-	-	PUNCT
ejh-1142	41	26	motivated	motivate	VERB
ejh-1142	41	27	salesforce	salesforce	NOUN
ejh-1142	41	28	will	will	AUX
ejh-1142	41	29	expand	expand	VERB
ejh-1142	41	30	more	more	ADJ
ejh-1142	41	31	effort	effort	NOUN
ejh-1142	41	32	in	in	ADP
ejh-1142	41	33	the	the	DET
ejh-1142	41	34	achievement	achievement	NOUN
ejh-1142	41	35	of	of	ADP
ejh-1142	41	36	organizational	organizational	ADJ
ejh-1142	41	37	goals	goal	NOUN
ejh-1142	41	38	,	,	PUNCT
ejh-1142	41	39	whereas	whereas	SCONJ
ejh-1142	41	40	a	a	DET
ejh-1142	41	41	poorly	poorly	ADV
ejh-1142	41	42	motivated	motivated	ADJ
ejh-1142	41	43	salesforce	salesforce	NOUN
ejh-1142	41	44	will	will	AUX
ejh-1142	41	45	be	be	AUX
ejh-1142	41	46	costly	costly	ADJ
ejh-1142	41	47	to	to	ADP
ejh-1142	41	48	the	the	DET
ejh-1142	41	49	organization	organization	NOUN
ejh-1142	41	50	.	.	PUNCT
ejh-1142	42	1	within	within	ADP
ejh-1142	42	2	the	the	DET
ejh-1142	42	3	context	context	NOUN
ejh-1142	42	4	of	of	ADP
ejh-1142	42	5	the	the	DET
ejh-1142	42	6	economy	economy	NOUN
ejh-1142	42	7	's	's	PART
ejh-1142	42	8	financial	financial	ADJ
ejh-1142	42	9	services	service	NOUN
ejh-1142	42	10	sector	sector	NOUN
ejh-1142	42	11	,	,	PUNCT
ejh-1142	42	12	the	the	DET
ejh-1142	42	13	insurance	insurance	NOUN
ejh-1142	42	14	industry	industry	NOUN
ejh-1142	42	15	is	be	AUX
ejh-1142	42	16	a	a	DET
ejh-1142	42	17	significant	significant	ADJ
ejh-1142	42	18	component	component	NOUN
ejh-1142	42	19	.	.	PUNCT
ejh-1142	43	1	in	in	ADP
ejh-1142	43	2	contrast	contrast	NOUN
ejh-1142	43	3	to	to	ADP
ejh-1142	43	4	the	the	DET
ejh-1142	43	5	other	other	ADJ
ejh-1142	43	6	players	player	NOUN
ejh-1142	43	7	,	,	PUNCT
ejh-1142	43	8	the	the	DET
ejh-1142	43	9	insurance	insurance	NOUN
ejh-1142	43	10	industry	industry	NOUN
ejh-1142	43	11	is	be	AUX
ejh-1142	43	12	facing	face	VERB
ejh-1142	43	13	a	a	DET
ejh-1142	43	14	number	number	NOUN
ejh-1142	43	15	of	of	ADP
ejh-1142	43	16	challenges	challenge	NOUN
ejh-1142	43	17	,	,	PUNCT
ejh-1142	43	18	including	include	VERB
ejh-1142	43	19	diverging	diverge	VERB
ejh-1142	43	20	growth	growth	NOUN
ejh-1142	43	21	patterns	pattern	NOUN
ejh-1142	43	22	in	in	ADP
ejh-1142	43	23	various	various	ADJ
ejh-1142	43	24	regions	region	NOUN
ejh-1142	43	25	of	of	ADP
ejh-1142	43	26	the	the	DET
ejh-1142	43	27	world	world	NOUN
ejh-1142	43	28	,	,	PUNCT
ejh-1142	43	29	a	a	DET
ejh-1142	43	30	low	low	ADJ
ejh-1142	43	31	penetration	penetration	NOUN
ejh-1142	43	32	rate	rate	NOUN
ejh-1142	43	33	,	,	PUNCT
ejh-1142	43	34	a	a	DET
ejh-1142	43	35	high	high	ADJ
ejh-1142	43	36	insolvency	insolvency	NOUN
ejh-1142	43	37	rate	rate	NOUN
ejh-1142	43	38	,	,	PUNCT
ejh-1142	43	39	a	a	DET
ejh-1142	43	40	poor	poor	ADJ
ejh-1142	43	41	public	public	ADJ
ejh-1142	43	42	image	image	NOUN
ejh-1142	43	43	,	,	PUNCT
ejh-1142	43	44	customers	customer	NOUN
ejh-1142	43	45	'	'	PART
ejh-1142	43	46	demands	demand	NOUN
ejh-1142	43	47	for	for	ADP
ejh-1142	43	48	more	more	ADV
ejh-1142	43	49	transparent	transparent	ADJ
ejh-1142	43	50	and	and	CCONJ
ejh-1142	43	51	accessible	accessible	ADJ
ejh-1142	43	52	products	product	NOUN
ejh-1142	43	53	,	,	PUNCT
ejh-1142	43	54	the	the	DET
ejh-1142	43	55	revolutionization	revolutionization	NOUN
ejh-1142	43	56	of	of	ADP
ejh-1142	43	57	risk	risk	NOUN
ejh-1142	43	58	analysis	analysis	NOUN
ejh-1142	43	59	brought	bring	VERB
ejh-1142	43	60	about	about	ADP
ejh-1142	43	61	by	by	ADP
ejh-1142	43	62	technology	technology	NOUN
ejh-1142	43	63	,	,	PUNCT
ejh-1142	43	64	customers	customer	NOUN
ejh-1142	43	65	'	'	PART
ejh-1142	43	66	profiling	profiling	NOUN
ejh-1142	43	67	and	and	CCONJ
ejh-1142	43	68	existing	exist	VERB
ejh-1142	43	69	business	business	NOUN
ejh-1142	43	70	models	model	NOUN
ejh-1142	43	71	being	be	AUX
ejh-1142	43	72	put	put	VERB
ejh-1142	43	73	at	at	ADP
ejh-1142	43	74	risk	risk	NOUN
ejh-1142	43	75	,	,	PUNCT
ejh-1142	43	76	and	and	CCONJ
ejh-1142	43	77	new	new	ADJ
ejh-1142	43	78	entrants	entrant	NOUN
ejh-1142	43	79	looking	look	VERB
ejh-1142	43	80	to	to	PART
ejh-1142	43	81	pick	pick	VERB
ejh-1142	43	82	off	off	ADP
ejh-1142	43	83	the	the	DET
ejh-1142	43	84	most	most	ADV
ejh-1142	43	85	profitable	profitable	ADJ
ejh-1142	43	86	business	business	NOUN
ejh-1142	43	87	.	.	PUNCT
ejh-1142	44	1	the	the	DET
ejh-1142	44	2	question	question	NOUN
ejh-1142	44	3	that	that	PRON
ejh-1142	44	4	needs	need	VERB
ejh-1142	44	5	to	to	PART
ejh-1142	44	6	be	be	AUX
ejh-1142	44	7	answered	answer	VERB
ejh-1142	44	8	is	be	AUX
ejh-1142	44	9	whether	whether	SCONJ
ejh-1142	44	10	or	or	CCONJ
ejh-1142	44	11	not	not	PART
ejh-1142	44	12	the	the	DET
ejh-1142	44	13	insurance	insurance	NOUN
ejh-1142	44	14	sector	sector	NOUN
ejh-1142	44	15	has	have	AUX
ejh-1142	44	16	truly	truly	ADV
ejh-1142	44	17	understood	understand	VERB
ejh-1142	44	18	the	the	DET
ejh-1142	44	19	factors	factor	NOUN
ejh-1142	44	20	that	that	PRON
ejh-1142	44	21	enable	enable	VERB
ejh-1142	44	22	capacity	capacity	NOUN
ejh-1142	44	23	growth	growth	NOUN
ejh-1142	44	24	,	,	PUNCT
ejh-1142	44	25	or	or	CCONJ
ejh-1142	44	26	whether	whether	SCONJ
ejh-1142	44	27	or	or	CCONJ
ejh-1142	44	28	not	not	PART
ejh-1142	44	29	it	it	PRON
ejh-1142	44	30	needs	need	VERB
ejh-1142	44	31	a	a	DET
ejh-1142	44	32	paradigm	paradigm	NOUN
ejh-1142	44	33	shift	shift	NOUN
ejh-1142	44	34	(	(	PUNCT
ejh-1142	44	35	zelizer	zelizer	NOUN
ejh-1142	44	36	,	,	PUNCT
ejh-1142	44	37	2017	2017	NUM
ejh-1142	44	38	)	)	PUNCT
ejh-1142	44	39	.	.	PUNCT
ejh-1142	45	1	the	the	DET
ejh-1142	45	2	purpose	purpose	NOUN
ejh-1142	45	3	of	of	ADP
ejh-1142	45	4	this	this	DET
ejh-1142	45	5	study	study	NOUN
ejh-1142	45	6	was	be	AUX
ejh-1142	45	7	to	to	PART
ejh-1142	45	8	identify	identify	VERB
ejh-1142	45	9	the	the	DET
ejh-1142	45	10	factors	factor	NOUN
ejh-1142	45	11	that	that	PRON
ejh-1142	45	12	enable	enable	VERB
ejh-1142	45	13	capacity	capacity	NOUN
ejh-1142	45	14	building	building	NOUN
ejh-1142	45	15	in	in	ADP
ejh-1142	45	16	the	the	DET
ejh-1142	45	17	insurance	insurance	NOUN
ejh-1142	45	18	sector	sector	NOUN
ejh-1142	45	19	.	.	PUNCT
ejh-1142	46	1	literature	literature	NOUN
ejh-1142	46	2	review	review	VERB
ejh-1142	46	3	the	the	DET
ejh-1142	46	4	insurance	insurance	NOUN
ejh-1142	46	5	industry	industry	NOUN
ejh-1142	46	6	has	have	AUX
ejh-1142	46	7	proven	prove	VERB
ejh-1142	46	8	that	that	SCONJ
ejh-1142	46	9	it	it	PRON
ejh-1142	46	10	can	can	AUX
ejh-1142	46	11	thrive	thrive	VERB
ejh-1142	46	12	in	in	ADP
ejh-1142	46	13	spite	spite	NOUN
ejh-1142	46	14	of	of	ADP
ejh-1142	46	15	the	the	DET
ejh-1142	46	16	many	many	ADJ
ejh-1142	46	17	obstacles	obstacle	NOUN
ejh-1142	46	18	it	it	PRON
ejh-1142	46	19	must	must	AUX
ejh-1142	46	20	overcome	overcome	VERB
ejh-1142	46	21	,	,	PUNCT
ejh-1142	46	22	which	which	PRON
ejh-1142	46	23	is	be	AUX
ejh-1142	46	24	a	a	DET
ejh-1142	46	25	feat	feat	NOUN
ejh-1142	46	26	that	that	PRON
ejh-1142	46	27	defies	defy	VERB
ejh-1142	46	28	all	all	DET
ejh-1142	46	29	chances	chance	NOUN
ejh-1142	46	30	.	.	PUNCT
ejh-1142	47	1	according	accord	VERB
ejh-1142	47	2	to	to	ADP
ejh-1142	47	3	the	the	DET
ejh-1142	47	4	findings	finding	NOUN
ejh-1142	47	5	of	of	ADP
ejh-1142	47	6	an	an	DET
ejh-1142	47	7	empirical	empirical	ADJ
ejh-1142	47	8	study	study	NOUN
ejh-1142	47	9	that	that	PRON
ejh-1142	47	10	was	be	AUX
ejh-1142	47	11	carried	carry	VERB
ejh-1142	47	12	out	out	ADP
ejh-1142	47	13	by	by	ADP
ejh-1142	47	14	eling	eling	PROPN
ejh-1142	47	15	and	and	CCONJ
ejh-1142	47	16	luhnen	luhnen	PROPN
ejh-1142	47	17	(	(	PUNCT
ejh-1142	47	18	2020	2020	NUM
ejh-1142	47	19	)	)	PUNCT
ejh-1142	47	20	,	,	PUNCT
ejh-1142	47	21	the	the	DET
ejh-1142	47	22	establishment	establishment	NOUN
ejh-1142	47	23	of	of	ADP
ejh-1142	47	24	a	a	DET
ejh-1142	47	25	long	long	ADV
ejh-1142	47	26	-	-	PUNCT
ejh-1142	47	27	lasting	last	VERB
ejh-1142	47	28	relationship	relationship	NOUN
ejh-1142	47	29	with	with	ADP
ejh-1142	47	30	one	one	PRON
ejh-1142	47	31	's	's	PART
ejh-1142	47	32	clientele	clientele	NOUN
ejh-1142	47	33	is	be	AUX
ejh-1142	47	34	crucial	crucial	ADJ
ejh-1142	47	35	to	to	ADP
ejh-1142	47	36	the	the	DET
ejh-1142	47	37	continued	continue	VERB
ejh-1142	47	38	operation	operation	NOUN
ejh-1142	47	39	of	of	ADP
ejh-1142	47	40	the	the	DET
ejh-1142	47	41	insurance	insurance	NOUN
ejh-1142	47	42	sector	sector	NOUN
ejh-1142	47	43	.	.	PUNCT
ejh-1142	48	1	this	this	PRON
ejh-1142	48	2	provides	provide	VERB
ejh-1142	48	3	an	an	DET
ejh-1142	48	4	explanation	explanation	NOUN
ejh-1142	48	5	for	for	ADP
ejh-1142	48	6	the	the	DET
ejh-1142	48	7	trust	trust	NOUN
ejh-1142	48	8	that	that	SCONJ
ejh-1142	48	9	,	,	PUNCT
ejh-1142	48	10	in	in	ADP
ejh-1142	48	11	the	the	DET
ejh-1142	48	12	minds	mind	NOUN
ejh-1142	48	13	of	of	ADP
ejh-1142	48	14	the	the	DET
ejh-1142	48	15	customers	customer	NOUN
ejh-1142	48	16	,	,	PUNCT
ejh-1142	48	17	must	must	AUX
ejh-1142	48	18	be	be	AUX
ejh-1142	48	19	built	build	VERB
ejh-1142	48	20	up	up	ADP
ejh-1142	48	21	gradually	gradually	ADV
ejh-1142	48	22	over	over	ADP
ejh-1142	48	23	time	time	NOUN
ejh-1142	48	24	.	.	PUNCT
ejh-1142	49	1	creating	create	VERB
ejh-1142	49	2	a	a	DET
ejh-1142	49	3	culture	culture	NOUN
ejh-1142	49	4	of	of	ADP
ejh-1142	49	5	trust	trust	NOUN
ejh-1142	49	6	,	,	PUNCT
ejh-1142	49	7	capitalizing	capitalize	VERB
ejh-1142	49	8	on	on	ADP
ejh-1142	49	9	the	the	DET
ejh-1142	49	10	power	power	NOUN
ejh-1142	49	11	of	of	ADP
ejh-1142	49	12	peer	peer	NOUN
ejh-1142	49	13	recognition	recognition	NOUN
ejh-1142	49	14	,	,	PUNCT
ejh-1142	49	15	and	and	CCONJ
ejh-1142	49	16	placing	place	VERB
ejh-1142	49	17	primary	primary	ADJ
ejh-1142	49	18	emphasis	emphasis	NOUN
ejh-1142	49	19	on	on	ADP
ejh-1142	49	20	the	the	DET
ejh-1142	49	21	enablers	enabler	NOUN
ejh-1142	49	22	and	and	CCONJ
ejh-1142	49	23	tools	tool	NOUN
ejh-1142	49	24	that	that	PRON
ejh-1142	49	25	assist	assist	VERB
ejh-1142	49	26	salespeople	salesperson	NOUN
ejh-1142	49	27	in	in	ADP
ejh-1142	49	28	reaching	reach	VERB
ejh-1142	49	29	their	their	PRON
ejh-1142	49	30	potential	potential	NOUN
ejh-1142	49	31	are	be	AUX
ejh-1142	49	32	all	all	PRON
ejh-1142	49	33	essential	essential	ADJ
ejh-1142	49	34	components	component	NOUN
ejh-1142	49	35	of	of	ADP
ejh-1142	49	36	the	the	DET
ejh-1142	49	37	bigger	big	ADJ
ejh-1142	49	38	picture	picture	NOUN
ejh-1142	49	39	when	when	SCONJ
ejh-1142	49	40	it	it	PRON
ejh-1142	49	41	comes	come	VERB
ejh-1142	49	42	to	to	ADP
ejh-1142	49	43	more	more	ADV
ejh-1142	49	44	effectively	effectively	ADV
ejh-1142	49	45	motivating	motivate	VERB
ejh-1142	49	46	a	a	DET
ejh-1142	49	47	salesforce	salesforce	NOUN
ejh-1142	49	48	.	.	PUNCT
ejh-1142	50	1	this	this	PRON
ejh-1142	50	2	is	be	AUX
ejh-1142	50	3	especially	especially	ADV
ejh-1142	50	4	true	true	ADJ
ejh-1142	50	5	in	in	ADP
ejh-1142	50	6	an	an	DET
ejh-1142	50	7	increasingly	increasingly	ADV
ejh-1142	50	8	complex	complex	ADJ
ejh-1142	50	9	business	business	NOUN
ejh-1142	50	10	environment	environment	NOUN
ejh-1142	50	11	.	.	PUNCT
ejh-1142	51	1	capacity	capacity	NOUN
ejh-1142	51	2	building	building	NOUN
ejh-1142	51	3	was	be	AUX
ejh-1142	51	4	defined	define	VERB
ejh-1142	51	5	by	by	ADP
ejh-1142	51	6	aparcana	aparcana	PROPN
ejh-1142	51	7	(	(	PUNCT
ejh-1142	51	8	2017	2017	NUM
ejh-1142	51	9	)	)	PUNCT
ejh-1142	51	10	as	as	ADP
ejh-1142	51	11	the	the	DET
ejh-1142	51	12	development	development	NOUN
ejh-1142	51	13	of	of	ADP
ejh-1142	51	14	knowledge	knowledge	NOUN
ejh-1142	51	15	,	,	PUNCT
ejh-1142	51	16	skills	skill	NOUN
ejh-1142	51	17	,	,	PUNCT
ejh-1142	51	18	and	and	CCONJ
ejh-1142	51	19	attitudes	attitude	NOUN
ejh-1142	51	20	in	in	ADP
ejh-1142	51	21	individuals	individual	NOUN
ejh-1142	51	22	and	and	CCONJ
ejh-1142	51	23	groups	group	NOUN
ejh-1142	51	24	of	of	ADP
ejh-1142	51	25	people	people	NOUN
ejh-1142	51	26	that	that	PRON
ejh-1142	51	27	are	be	AUX
ejh-1142	51	28	relevant	relevant	ADJ
ejh-1142	51	29	in	in	ADP
ejh-1142	51	30	the	the	DET
ejh-1142	51	31	design	design	NOUN
ejh-1142	51	32	,	,	PUNCT
ejh-1142	51	33	development	development	NOUN
ejh-1142	51	34	,	,	PUNCT
ejh-1142	51	35	management	management	NOUN
ejh-1142	51	36	,	,	PUNCT
ejh-1142	51	37	and	and	CCONJ
ejh-1142	51	38	maintenance	maintenance	NOUN
ejh-1142	51	39	of	of	ADP
ejh-1142	51	40	locally	locally	ADV
ejh-1142	51	41	meaningful	meaningful	ADJ
ejh-1142	51	42	institutional	institutional	ADJ
ejh-1142	51	43	and	and	CCONJ
ejh-1142	51	44	operational	operational	ADJ
ejh-1142	51	45	infrastructures	infrastructure	NOUN
ejh-1142	51	46	and	and	CCONJ
ejh-1142	51	47	processes	process	NOUN
ejh-1142	51	48	.	.	PUNCT
ejh-1142	52	1	although	although	SCONJ
ejh-1142	52	2	the	the	DET
ejh-1142	52	3	primary	primary	ADJ
ejh-1142	52	4	emphasis	emphasis	NOUN
ejh-1142	52	5	is	be	AUX
ejh-1142	52	6	still	still	ADV
ejh-1142	52	7	placed	place	VERB
ejh-1142	52	8	on	on	ADP
ejh-1142	52	9	education	education	NOUN
ejh-1142	52	10	,	,	PUNCT
ejh-1142	52	11	training	training	NOUN
ejh-1142	52	12	,	,	PUNCT
ejh-1142	52	13	and	and	CCONJ
ejh-1142	52	14	the	the	DET
ejh-1142	52	15	cultivation	cultivation	NOUN
ejh-1142	52	16	of	of	ADP
ejh-1142	52	17	human	human	ADJ
ejh-1142	52	18	resources	resource	NOUN
ejh-1142	52	19	,	,	PUNCT
ejh-1142	52	20	this	this	DET
ejh-1142	52	21	strategy	strategy	NOUN
ejh-1142	52	22	takes	take	VERB
ejh-1142	52	23	a	a	DET
ejh-1142	52	24	broader	broad	ADJ
ejh-1142	52	25	view	view	NOUN
ejh-1142	52	26	.	.	PUNCT
ejh-1142	53	1	according	accord	VERB
ejh-1142	53	2	to	to	ADP
ejh-1142	53	3	this	this	DET
ejh-1142	53	4	definition	definition	NOUN
ejh-1142	53	5	,	,	PUNCT
ejh-1142	53	6	capacity	capacity	NOUN
ejh-1142	53	7	development	development	NOUN
ejh-1142	53	8	for	for	ADP
ejh-1142	53	9	employees	employee	NOUN
ejh-1142	53	10	may	may	AUX
ejh-1142	53	11	,	,	PUNCT
ejh-1142	53	12	in	in	ADP
ejh-1142	53	13	a	a	DET
ejh-1142	53	14	broad	broad	ADJ
ejh-1142	53	15	sense	sense	NOUN
ejh-1142	53	16	,	,	PUNCT
ejh-1142	53	17	refer	refer	VERB
ejh-1142	53	18	to	to	ADP
ejh-1142	53	19	increases	increase	NOUN
ejh-1142	53	20	in	in	ADP
ejh-1142	53	21	the	the	DET
ejh-1142	53	22	ability	ability	NOUN
ejh-1142	53	23	of	of	ADP
ejh-1142	53	24	all	all	DET
ejh-1142	53	25	file:///c:/users	file:///c:/user	NOUN
ejh-1142	53	26	/	/	SYM
ejh-1142	53	27	hp	hp	NOUN
ejh-1142	53	28	/	/	SYM
ejh-1142	53	29	desktop	desktop	NOUN
ejh-1142	53	30	/	/	SYM
ejh-1142	53	31	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	53	32	/	/	SYM
ejh-1142	53	33	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	53	34	/	/	SYM
ejh-1142	53	35	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	53	36	american	american	ADJ
ejh-1142	53	37	journal	journal	NOUN
ejh-1142	53	38	of	of	ADP
ejh-1142	53	39	human	human	ADJ
ejh-1142	53	40	resource	resource	NOUN
ejh-1142	53	41	issn	issn	PROPN
ejh-1142	53	42	2520	2520	NUM
ejh-1142	53	43	-	-	SYM
ejh-1142	53	44	4697	4697	NUM
ejh-1142	53	45	(	(	PUNCT
ejh-1142	53	46	online	online	ADJ
ejh-1142	53	47	)	)	PUNCT
ejh-1142	53	48	vol.6	vol.6	PROPN
ejh-1142	53	49	,	,	PUNCT
ejh-1142	53	50	issue	issue	NOUN
ejh-1142	53	51	1	1	NUM
ejh-1142	53	52	,	,	PUNCT
ejh-1142	53	53	pp	pp	ADV
ejh-1142	53	54	80	80	NUM
ejh-1142	53	55	87	87	NUM
ejh-1142	53	56	,	,	PUNCT
ejh-1142	53	57	2022	2022	NUM
ejh-1142	53	58	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	53	59	83	83	NUM
ejh-1142	53	60	employees	employee	NOUN
ejh-1142	53	61	to	to	PART
ejh-1142	53	62	do	do	VERB
ejh-1142	53	63	acceptable	acceptable	ADJ
ejh-1142	53	64	duties	duty	NOUN
ejh-1142	53	65	within	within	ADP
ejh-1142	53	66	the	the	DET
ejh-1142	53	67	context	context	NOUN
ejh-1142	53	68	of	of	ADP
ejh-1142	53	69	the	the	DET
ejh-1142	53	70	organization	organization	NOUN
ejh-1142	53	71	's	's	PART
ejh-1142	53	72	more	more	ADV
ejh-1142	53	73	comprehensive	comprehensive	ADJ
ejh-1142	53	74	set	set	NOUN
ejh-1142	53	75	of	of	ADP
ejh-1142	53	76	performance	performance	NOUN
ejh-1142	53	77	requirements	requirement	NOUN
ejh-1142	53	78	.	.	PUNCT
ejh-1142	54	1	according	accord	VERB
ejh-1142	54	2	to	to	ADP
ejh-1142	54	3	the	the	DET
ejh-1142	54	4	united	united	PROPN
ejh-1142	54	5	nations	nations	PROPN
ejh-1142	54	6	committee	committee	PROPN
ejh-1142	54	7	of	of	ADP
ejh-1142	54	8	experts	expert	NOUN
ejh-1142	54	9	on	on	ADP
ejh-1142	54	10	public	public	ADJ
ejh-1142	54	11	administration	administration	NOUN
ejh-1142	54	12	,	,	PUNCT
ejh-1142	54	13	capacity	capacity	NOUN
ejh-1142	54	14	building	building	NOUN
ejh-1142	54	15	can	can	AUX
ejh-1142	54	16	occur	occur	VERB
ejh-1142	54	17	on	on	ADP
ejh-1142	54	18	three	three	NUM
ejh-1142	54	19	different	different	ADJ
ejh-1142	54	20	levels	level	NOUN
ejh-1142	54	21	:	:	PUNCT
ejh-1142	54	22	the	the	DET
ejh-1142	54	23	individual	individual	ADJ
ejh-1142	54	24	level	level	NOUN
ejh-1142	54	25	,	,	PUNCT
ejh-1142	54	26	the	the	DET
ejh-1142	54	27	institutional	institutional	ADJ
ejh-1142	54	28	level	level	NOUN
ejh-1142	54	29	,	,	PUNCT
ejh-1142	54	30	and	and	CCONJ
ejh-1142	54	31	the	the	DET
ejh-1142	54	32	societal	societal	ADJ
ejh-1142	54	33	level	level	NOUN
ejh-1142	54	34	.	.	PUNCT
ejh-1142	55	1	these	these	DET
ejh-1142	55	2	levels	level	NOUN
ejh-1142	55	3	are	be	AUX
ejh-1142	55	4	listed	list	VERB
ejh-1142	55	5	in	in	ADP
ejh-1142	55	6	this	this	DET
ejh-1142	55	7	order	order	NOUN
ejh-1142	55	8	:	:	PUNCT
ejh-1142	55	9	individual	individual	ADJ
ejh-1142	55	10	,	,	PUNCT
ejh-1142	55	11	institutional	institutional	ADJ
ejh-1142	55	12	,	,	PUNCT
ejh-1142	55	13	and	and	CCONJ
ejh-1142	55	14	societal	societal	ADJ
ejh-1142	55	15	.	.	PUNCT
ejh-1142	56	1	on	on	ADP
ejh-1142	56	2	an	an	DET
ejh-1142	56	3	individual	individual	ADJ
ejh-1142	56	4	level	level	NOUN
ejh-1142	56	5	,	,	PUNCT
ejh-1142	56	6	"	"	PUNCT
ejh-1142	56	7	capacity	capacity	NOUN
ejh-1142	56	8	building	building	NOUN
ejh-1142	56	9	"	"	PUNCT
ejh-1142	56	10	refers	refer	VERB
ejh-1142	56	11	to	to	ADP
ejh-1142	56	12	the	the	DET
ejh-1142	56	13	creation	creation	NOUN
ejh-1142	56	14	of	of	ADP
ejh-1142	56	15	conditions	condition	NOUN
ejh-1142	56	16	that	that	PRON
ejh-1142	56	17	make	make	VERB
ejh-1142	56	18	it	it	PRON
ejh-1142	56	19	possible	possible	ADJ
ejh-1142	56	20	for	for	SCONJ
ejh-1142	56	21	people	people	NOUN
ejh-1142	56	22	to	to	PART
ejh-1142	56	23	develop	develop	VERB
ejh-1142	56	24	and	and	CCONJ
ejh-1142	56	25	improve	improve	VERB
ejh-1142	56	26	upon	upon	SCONJ
ejh-1142	56	27	the	the	DET
ejh-1142	56	28	knowledge	knowledge	NOUN
ejh-1142	56	29	and	and	CCONJ
ejh-1142	56	30	abilities	ability	NOUN
ejh-1142	56	31	they	they	PRON
ejh-1142	56	32	already	already	ADV
ejh-1142	56	33	possess	possess	VERB
ejh-1142	56	34	.	.	PUNCT
ejh-1142	57	1	in	in	ADP
ejh-1142	57	2	addition	addition	NOUN
ejh-1142	57	3	to	to	ADP
ejh-1142	57	4	this	this	PRON
ejh-1142	57	5	,	,	PUNCT
ejh-1142	57	6	it	it	PRON
ejh-1142	57	7	is	be	AUX
ejh-1142	57	8	necessary	necessary	ADJ
ejh-1142	57	9	to	to	PART
ejh-1142	57	10	provide	provide	VERB
ejh-1142	57	11	the	the	DET
ejh-1142	57	12	conditions	condition	NOUN
ejh-1142	57	13	under	under	ADP
ejh-1142	57	14	which	which	PRON
ejh-1142	57	15	individuals	individual	NOUN
ejh-1142	57	16	can	can	AUX
ejh-1142	57	17	participate	participate	VERB
ejh-1142	57	18	in	in	ADP
ejh-1142	57	19	the	the	DET
ejh-1142	57	20	process	process	NOUN
ejh-1142	57	21	of	of	ADP
ejh-1142	57	22	learning	learn	VERB
ejh-1142	57	23	and	and	CCONJ
ejh-1142	57	24	adjusting	adjust	VERB
ejh-1142	57	25	to	to	ADP
ejh-1142	57	26	new	new	ADJ
ejh-1142	57	27	circumstances	circumstance	NOUN
ejh-1142	57	28	(	(	PUNCT
ejh-1142	57	29	adkins	adkin	NOUN
ejh-1142	57	30	,	,	PUNCT
ejh-1142	57	31	2017	2017	NUM
ejh-1142	57	32	)	)	PUNCT
ejh-1142	57	33	.	.	PUNCT
ejh-1142	58	1	according	accord	VERB
ejh-1142	58	2	to	to	ADP
ejh-1142	58	3	lopez	lopez	PROPN
ejh-1142	58	4	-	-	PUNCT
ejh-1142	58	5	gunn	gunn	NOUN
ejh-1142	58	6	et.al	et.al	PROPN
ejh-1142	58	7	(	(	PUNCT
ejh-1142	58	8	2021	2021	NUM
ejh-1142	58	9	)	)	PUNCT
ejh-1142	58	10	,	,	PUNCT
ejh-1142	58	11	determining	determine	VERB
ejh-1142	58	12	the	the	DET
ejh-1142	58	13	factors	factor	NOUN
ejh-1142	58	14	that	that	PRON
ejh-1142	58	15	need	need	VERB
ejh-1142	58	16	to	to	PART
ejh-1142	58	17	be	be	AUX
ejh-1142	58	18	considered	consider	VERB
ejh-1142	58	19	in	in	ADP
ejh-1142	58	20	order	order	NOUN
ejh-1142	58	21	to	to	PART
ejh-1142	58	22	succeed	succeed	VERB
ejh-1142	58	23	in	in	ADP
ejh-1142	58	24	a	a	DET
ejh-1142	58	25	particular	particular	ADJ
ejh-1142	58	26	market	market	NOUN
ejh-1142	58	27	involves	involve	VERB
ejh-1142	58	28	developing	develop	VERB
ejh-1142	58	29	a	a	DET
ejh-1142	58	30	profile	profile	NOUN
ejh-1142	58	31	of	of	ADP
ejh-1142	58	32	the	the	DET
ejh-1142	58	33	kind	kind	NOUN
ejh-1142	58	34	of	of	ADP
ejh-1142	58	35	company	company	NOUN
ejh-1142	58	36	that	that	PRON
ejh-1142	58	37	is	be	AUX
ejh-1142	58	38	likely	likely	ADJ
ejh-1142	58	39	to	to	PART
ejh-1142	58	40	build	build	VERB
ejh-1142	58	41	capacity	capacity	NOUN
ejh-1142	58	42	in	in	ADP
ejh-1142	58	43	the	the	DET
ejh-1142	58	44	future	future	ADJ
ejh-1142	58	45	industry	industry	NOUN
ejh-1142	58	46	environment	environment	NOUN
ejh-1142	58	47	.	.	PUNCT
ejh-1142	59	1	this	this	PRON
ejh-1142	59	2	is	be	AUX
ejh-1142	59	3	done	do	VERB
ejh-1142	59	4	in	in	ADP
ejh-1142	59	5	order	order	NOUN
ejh-1142	59	6	to	to	PART
ejh-1142	59	7	pinpoint	pinpoint	VERB
ejh-1142	59	8	the	the	DET
ejh-1142	59	9	steps	step	NOUN
ejh-1142	59	10	that	that	PRON
ejh-1142	59	11	need	need	VERB
ejh-1142	59	12	to	to	PART
ejh-1142	59	13	be	be	AUX
ejh-1142	59	14	taken	take	VERB
ejh-1142	59	15	.	.	PUNCT
ejh-1142	60	1	performing	perform	VERB
ejh-1142	60	2	this	this	DET
ejh-1142	60	3	step	step	NOUN
ejh-1142	60	4	requires	require	VERB
ejh-1142	60	5	locating	locate	VERB
ejh-1142	60	6	the	the	DET
ejh-1142	60	7	specific	specific	ADJ
ejh-1142	60	8	recipes	recipe	NOUN
ejh-1142	60	9	for	for	ADP
ejh-1142	60	10	success	success	NOUN
ejh-1142	60	11	.	.	PUNCT
ejh-1142	61	1	lopezgunn	lopezgunn	NOUN
ejh-1142	61	2	et.al	et.al	PROPN
ejh-1142	61	3	(	(	PUNCT
ejh-1142	61	4	2021	2021	NUM
ejh-1142	61	5	)	)	PUNCT
ejh-1142	61	6	identified	identify	VERB
ejh-1142	61	7	a	a	DET
ejh-1142	61	8	variety	variety	NOUN
ejh-1142	61	9	of	of	ADP
ejh-1142	61	10	generic	generic	ADJ
ejh-1142	61	11	enabling	enabling	ADJ
ejh-1142	61	12	factors	factor	NOUN
ejh-1142	61	13	,	,	PUNCT
ejh-1142	61	14	such	such	ADJ
ejh-1142	61	15	as	as	ADP
ejh-1142	61	16	the	the	DET
ejh-1142	61	17	ability	ability	NOUN
ejh-1142	61	18	to	to	PART
ejh-1142	61	19	control	control	VERB
ejh-1142	61	20	prices	price	NOUN
ejh-1142	61	21	and	and	CCONJ
ejh-1142	61	22	quality	quality	NOUN
ejh-1142	61	23	,	,	PUNCT
ejh-1142	61	24	deal	deal	VERB
ejh-1142	61	25	with	with	ADP
ejh-1142	61	26	militant	militant	ADJ
ejh-1142	61	27	unions	union	NOUN
ejh-1142	61	28	,	,	PUNCT
ejh-1142	61	29	maintain	maintain	VERB
ejh-1142	61	30	brand	brand	NOUN
ejh-1142	61	31	image	image	NOUN
ejh-1142	61	32	,	,	PUNCT
ejh-1142	61	33	expand	expand	VERB
ejh-1142	61	34	the	the	DET
ejh-1142	61	35	lower	low	ADJ
ejh-1142	61	36	end	end	NOUN
ejh-1142	61	37	of	of	ADP
ejh-1142	61	38	the	the	DET
ejh-1142	61	39	product	product	NOUN
ejh-1142	61	40	line	line	NOUN
ejh-1142	61	41	,	,	PUNCT
ejh-1142	61	42	and	and	CCONJ
ejh-1142	61	43	deal	deal	VERB
ejh-1142	61	44	with	with	ADP
ejh-1142	61	45	the	the	DET
ejh-1142	61	46	pressure	pressure	NOUN
ejh-1142	61	47	of	of	ADP
ejh-1142	61	48	competition	competition	NOUN
ejh-1142	61	49	from	from	ADP
ejh-1142	61	50	other	other	ADJ
ejh-1142	61	51	businesses	business	NOUN
ejh-1142	61	52	.	.	PUNCT
ejh-1142	62	1	a	a	DET
ejh-1142	62	2	company	company	NOUN
ejh-1142	62	3	has	have	VERB
ejh-1142	62	4	a	a	DET
ejh-1142	62	5	better	well	ADJ
ejh-1142	62	6	chance	chance	NOUN
ejh-1142	62	7	of	of	ADP
ejh-1142	62	8	being	be	AUX
ejh-1142	62	9	successful	successful	ADJ
ejh-1142	62	10	or	or	CCONJ
ejh-1142	62	11	gaining	gain	VERB
ejh-1142	62	12	a	a	DET
ejh-1142	62	13	competitive	competitive	ADJ
ejh-1142	62	14	advantage	advantage	NOUN
ejh-1142	62	15	if	if	SCONJ
ejh-1142	62	16	it	it	PRON
ejh-1142	62	17	is	be	AUX
ejh-1142	62	18	aware	aware	ADJ
ejh-1142	62	19	of	of	ADP
ejh-1142	62	20	the	the	DET
ejh-1142	62	21	steps	step	NOUN
ejh-1142	62	22	that	that	PRON
ejh-1142	62	23	must	must	AUX
ejh-1142	62	24	be	be	AUX
ejh-1142	62	25	taken	take	VERB
ejh-1142	62	26	to	to	PART
ejh-1142	62	27	construct	construct	VERB
ejh-1142	62	28	the	the	DET
ejh-1142	62	29	capacity	capacity	NOUN
ejh-1142	62	30	in	in	ADP
ejh-1142	62	31	the	the	DET
ejh-1142	62	32	industry	industry	NOUN
ejh-1142	62	33	that	that	PRON
ejh-1142	62	34	is	be	AUX
ejh-1142	62	35	being	be	AUX
ejh-1142	62	36	considered	consider	VERB
ejh-1142	62	37	.	.	PUNCT
ejh-1142	63	1	this	this	PRON
ejh-1142	63	2	helps	help	VERB
ejh-1142	63	3	to	to	PART
ejh-1142	63	4	determine	determine	VERB
ejh-1142	63	5	whether	whether	SCONJ
ejh-1142	63	6	a	a	DET
ejh-1142	63	7	company	company	NOUN
ejh-1142	63	8	already	already	ADV
ejh-1142	63	9	possesses	possess	VERB
ejh-1142	63	10	or	or	CCONJ
ejh-1142	63	11	is	be	AUX
ejh-1142	63	12	capable	capable	ADJ
ejh-1142	63	13	of	of	ADP
ejh-1142	63	14	acquiring	acquire	VERB
ejh-1142	63	15	the	the	DET
ejh-1142	63	16	necessary	necessary	ADJ
ejh-1142	63	17	components	component	NOUN
ejh-1142	63	18	to	to	PART
ejh-1142	63	19	give	give	VERB
ejh-1142	63	20	it	it	PRON
ejh-1142	63	21	a	a	DET
ejh-1142	63	22	competitive	competitive	ADJ
ejh-1142	63	23	advantage	advantage	NOUN
ejh-1142	63	24	over	over	ADP
ejh-1142	63	25	its	its	PRON
ejh-1142	63	26	rivals	rival	NOUN
ejh-1142	63	27	in	in	ADP
ejh-1142	63	28	a	a	DET
ejh-1142	63	29	particular	particular	ADJ
ejh-1142	63	30	industry	industry	NOUN
ejh-1142	63	31	.	.	PUNCT
ejh-1142	64	1	heenkenda	heenkenda	NOUN
ejh-1142	64	2	(	(	PUNCT
ejh-1142	64	3	2018	2018	NUM
ejh-1142	64	4	)	)	PUNCT
ejh-1142	64	5	cited	cite	VERB
ejh-1142	64	6	product	product	NOUN
ejh-1142	64	7	attitudes	attitude	NOUN
ejh-1142	64	8	,	,	PUNCT
ejh-1142	64	9	competitive	competitive	ADJ
ejh-1142	64	10	capabilities	capability	NOUN
ejh-1142	64	11	,	,	PUNCT
ejh-1142	64	12	and	and	CCONJ
ejh-1142	64	13	even	even	ADV
ejh-1142	64	14	market	market	NOUN
ejh-1142	64	15	achievements	achievement	NOUN
ejh-1142	64	16	as	as	ADP
ejh-1142	64	17	examples	example	NOUN
ejh-1142	64	18	of	of	ADP
ejh-1142	64	19	enabling	enable	VERB
ejh-1142	64	20	factors	factor	NOUN
ejh-1142	64	21	.	.	PUNCT
ejh-1142	65	1	according	accord	VERB
ejh-1142	65	2	to	to	ADP
ejh-1142	65	3	fisher	fisher	PROPN
ejh-1142	65	4	and	and	CCONJ
ejh-1142	65	5	surminski	surminski	PROPN
ejh-1142	65	6	(	(	PUNCT
ejh-1142	65	7	2022	2022	NUM
ejh-1142	65	8	)	)	PUNCT
ejh-1142	65	9	,	,	PUNCT
ejh-1142	65	10	enabling	enable	VERB
ejh-1142	65	11	factors	factor	NOUN
ejh-1142	65	12	in	in	ADP
ejh-1142	65	13	an	an	DET
ejh-1142	65	14	industry	industry	NOUN
ejh-1142	65	15	are	be	AUX
ejh-1142	65	16	those	those	DET
ejh-1142	65	17	things	thing	NOUN
ejh-1142	65	18	that	that	PRON
ejh-1142	65	19	determine	determine	VERB
ejh-1142	65	20	the	the	DET
ejh-1142	65	21	ability	ability	NOUN
ejh-1142	65	22	of	of	ADP
ejh-1142	65	23	members	member	NOUN
ejh-1142	65	24	of	of	ADP
ejh-1142	65	25	an	an	DET
ejh-1142	65	26	industry	industry	NOUN
ejh-1142	65	27	to	to	PART
ejh-1142	65	28	prosper	prosper	VERB
ejh-1142	65	29	within	within	ADP
ejh-1142	65	30	that	that	DET
ejh-1142	65	31	industry	industry	NOUN
ejh-1142	65	32	.	.	PUNCT
ejh-1142	66	1	some	some	DET
ejh-1142	66	2	examples	example	NOUN
ejh-1142	66	3	of	of	ADP
ejh-1142	66	4	enabling	enable	VERB
ejh-1142	66	5	factors	factor	NOUN
ejh-1142	66	6	include	include	VERB
ejh-1142	66	7	low	low	ADJ
ejh-1142	66	8	costs	cost	NOUN
ejh-1142	66	9	,	,	PUNCT
ejh-1142	66	10	the	the	DET
ejh-1142	66	11	best	good	ADJ
ejh-1142	66	12	quality	quality	NOUN
ejh-1142	66	13	,	,	PUNCT
ejh-1142	66	14	good	good	ADJ
ejh-1142	66	15	product	product	NOUN
ejh-1142	66	16	features	feature	VERB
ejh-1142	66	17	,	,	PUNCT
ejh-1142	66	18	resources	resource	NOUN
ejh-1142	66	19	that	that	PRON
ejh-1142	66	20	are	be	AUX
ejh-1142	66	21	available	available	ADJ
ejh-1142	66	22	,	,	PUNCT
ejh-1142	66	23	and	and	CCONJ
ejh-1142	66	24	competitive	competitive	ADJ
ejh-1142	66	25	capabilities	capability	NOUN
ejh-1142	66	26	.	.	PUNCT
ejh-1142	67	1	enabling	enable	VERB
ejh-1142	67	2	factors	factor	NOUN
ejh-1142	67	3	,	,	PUNCT
ejh-1142	67	4	as	as	SCONJ
ejh-1142	67	5	observed	observe	VERB
ejh-1142	67	6	by	by	ADP
ejh-1142	67	7	mazviona	mazviona	PROPN
ejh-1142	67	8	et.al	et.al	PROPN
ejh-1142	67	9	(	(	PUNCT
ejh-1142	67	10	2017	2017	NUM
ejh-1142	67	11	)	)	PUNCT
ejh-1142	67	12	,	,	PUNCT
ejh-1142	67	13	are	be	AUX
ejh-1142	67	14	by	by	ADP
ejh-1142	67	15	their	their	PRON
ejh-1142	67	16	very	very	ADV
ejh-1142	67	17	nature	nature	NOUN
ejh-1142	67	18	extremely	extremely	ADV
ejh-1142	67	19	important	important	ADJ
ejh-1142	67	20	to	to	ADP
ejh-1142	67	21	future	future	ADJ
ejh-1142	67	22	success	success	NOUN
ejh-1142	67	23	.	.	PUNCT
ejh-1142	68	1	because	because	SCONJ
ejh-1142	68	2	of	of	ADP
ejh-1142	68	3	this	this	PRON
ejh-1142	68	4	,	,	PUNCT
ejh-1142	68	5	it	it	PRON
ejh-1142	68	6	is	be	AUX
ejh-1142	68	7	imperative	imperative	ADJ
ejh-1142	68	8	that	that	SCONJ
ejh-1142	68	9	all	all	DET
ejh-1142	68	10	organizations	organization	NOUN
ejh-1142	68	11	operating	operate	VERB
ejh-1142	68	12	within	within	ADP
ejh-1142	68	13	the	the	DET
ejh-1142	68	14	industry	industry	NOUN
ejh-1142	68	15	pay	pay	VERB
ejh-1142	68	16	close	close	ADJ
ejh-1142	68	17	attention	attention	NOUN
ejh-1142	68	18	to	to	ADP
ejh-1142	68	19	these	these	DET
ejh-1142	68	20	factors	factor	NOUN
ejh-1142	68	21	;	;	PUNCT
ejh-1142	68	22	otherwise	otherwise	ADV
ejh-1142	68	23	,	,	PUNCT
ejh-1142	68	24	they	they	PRON
ejh-1142	68	25	run	run	VERB
ejh-1142	68	26	the	the	DET
ejh-1142	68	27	risk	risk	NOUN
ejh-1142	68	28	of	of	ADP
ejh-1142	68	29	falling	fall	VERB
ejh-1142	68	30	to	to	ADP
ejh-1142	68	31	the	the	DET
ejh-1142	68	32	back	back	NOUN
ejh-1142	68	33	of	of	ADP
ejh-1142	68	34	the	the	DET
ejh-1142	68	35	pack	pack	NOUN
ejh-1142	68	36	.	.	PUNCT
ejh-1142	69	1	how	how	SCONJ
ejh-1142	69	2	effectively	effectively	ADV
ejh-1142	69	3	the	the	DET
ejh-1142	69	4	product	product	NOUN
ejh-1142	69	5	offering	offering	NOUN
ejh-1142	69	6	,	,	PUNCT
ejh-1142	69	7	resources	resource	NOUN
ejh-1142	69	8	,	,	PUNCT
ejh-1142	69	9	and	and	CCONJ
ejh-1142	69	10	competencies	competency	NOUN
ejh-1142	69	11	of	of	ADP
ejh-1142	69	12	an	an	DET
ejh-1142	69	13	organization	organization	NOUN
ejh-1142	69	14	stack	stack	VERB
ejh-1142	69	15	up	up	ADP
ejh-1142	69	16	against	against	ADP
ejh-1142	69	17	the	the	DET
ejh-1142	69	18	enabling	enable	VERB
ejh-1142	69	19	elements	element	NOUN
ejh-1142	69	20	of	of	ADP
ejh-1142	69	21	an	an	DET
ejh-1142	69	22	industry	industry	NOUN
ejh-1142	69	23	will	will	AUX
ejh-1142	69	24	determine	determine	VERB
ejh-1142	69	25	how	how	SCONJ
ejh-1142	69	26	financially	financially	ADV
ejh-1142	69	27	and	and	CCONJ
ejh-1142	69	28	competitively	competitively	ADV
ejh-1142	69	29	successful	successful	ADJ
ejh-1142	69	30	that	that	SCONJ
ejh-1142	69	31	business	business	NOUN
ejh-1142	69	32	will	will	AUX
ejh-1142	69	33	be	be	AUX
ejh-1142	69	34	.	.	PUNCT
ejh-1142	70	1	if	if	SCONJ
ejh-1142	70	2	a	a	DET
ejh-1142	70	3	company	company	NOUN
ejh-1142	70	4	is	be	AUX
ejh-1142	70	5	aware	aware	ADJ
ejh-1142	70	6	of	of	ADP
ejh-1142	70	7	the	the	DET
ejh-1142	70	8	resources	resource	NOUN
ejh-1142	70	9	and	and	CCONJ
ejh-1142	70	10	competencies	competency	NOUN
ejh-1142	70	11	it	it	PRON
ejh-1142	70	12	must	must	AUX
ejh-1142	70	13	possess	possess	VERB
ejh-1142	70	14	in	in	ADP
ejh-1142	70	15	order	order	NOUN
ejh-1142	70	16	to	to	PART
ejh-1142	70	17	be	be	AUX
ejh-1142	70	18	competitive	competitive	ADJ
ejh-1142	70	19	and	and	CCONJ
ejh-1142	70	20	what	what	PRON
ejh-1142	70	21	it	it	PRON
ejh-1142	70	22	must	must	AUX
ejh-1142	70	23	do	do	VERB
ejh-1142	70	24	in	in	ADP
ejh-1142	70	25	order	order	NOUN
ejh-1142	70	26	to	to	PART
ejh-1142	70	27	achieve	achieve	VERB
ejh-1142	70	28	a	a	DET
ejh-1142	70	29	sustainable	sustainable	ADJ
ejh-1142	70	30	competitive	competitive	ADJ
ejh-1142	70	31	advantage	advantage	NOUN
ejh-1142	70	32	,	,	PUNCT
ejh-1142	70	33	then	then	ADV
ejh-1142	70	34	it	it	PRON
ejh-1142	70	35	will	will	AUX
ejh-1142	70	36	be	be	AUX
ejh-1142	70	37	able	able	ADJ
ejh-1142	70	38	to	to	PART
ejh-1142	70	39	determine	determine	VERB
ejh-1142	70	40	its	its	PRON
ejh-1142	70	41	enabling	enable	VERB
ejh-1142	70	42	factors	factor	NOUN
ejh-1142	70	43	.	.	PUNCT
ejh-1142	71	1	in	in	ADP
ejh-1142	71	2	the	the	DET
ejh-1142	71	3	context	context	NOUN
ejh-1142	71	4	of	of	ADP
ejh-1142	71	5	the	the	DET
ejh-1142	71	6	current	current	ADJ
ejh-1142	71	7	state	state	NOUN
ejh-1142	71	8	of	of	ADP
ejh-1142	71	9	the	the	DET
ejh-1142	71	10	insurance	insurance	NOUN
ejh-1142	71	11	sector	sector	NOUN
ejh-1142	71	12	as	as	ADV
ejh-1142	71	13	well	well	ADV
ejh-1142	71	14	as	as	ADP
ejh-1142	71	15	the	the	DET
ejh-1142	71	16	conditions	condition	NOUN
ejh-1142	71	17	that	that	PRON
ejh-1142	71	18	are	be	AUX
ejh-1142	71	19	expected	expect	VERB
ejh-1142	71	20	to	to	PART
ejh-1142	71	21	exist	exist	VERB
ejh-1142	71	22	in	in	ADP
ejh-1142	71	23	the	the	DET
ejh-1142	71	24	future	future	NOUN
ejh-1142	71	25	,	,	PUNCT
ejh-1142	71	26	one	one	NUM
ejh-1142	71	27	of	of	ADP
ejh-1142	71	28	the	the	DET
ejh-1142	71	29	most	most	ADV
ejh-1142	71	30	important	important	ADJ
ejh-1142	71	31	factors	factor	NOUN
ejh-1142	71	32	to	to	PART
ejh-1142	71	33	consider	consider	VERB
ejh-1142	71	34	when	when	SCONJ
ejh-1142	71	35	conducting	conduct	VERB
ejh-1142	71	36	an	an	DET
ejh-1142	71	37	analysis	analysis	NOUN
ejh-1142	71	38	or	or	CCONJ
ejh-1142	71	39	developing	develop	VERB
ejh-1142	71	40	a	a	DET
ejh-1142	71	41	plan	plan	NOUN
ejh-1142	71	42	is	be	AUX
ejh-1142	71	43	how	how	SCONJ
ejh-1142	71	44	to	to	PART
ejh-1142	71	45	identify	identify	VERB
ejh-1142	71	46	enabling	enable	VERB
ejh-1142	71	47	factors	factor	NOUN
ejh-1142	71	48	.	.	PUNCT
ejh-1142	72	1	there	there	PRON
ejh-1142	72	2	have	have	AUX
ejh-1142	72	3	been	be	AUX
ejh-1142	72	4	previous	previous	ADJ
ejh-1142	72	5	studies	study	NOUN
ejh-1142	72	6	that	that	PRON
ejh-1142	72	7	have	have	AUX
ejh-1142	72	8	been	be	AUX
ejh-1142	72	9	published	publish	VERB
ejh-1142	72	10	in	in	ADP
ejh-1142	72	11	the	the	DET
ejh-1142	72	12	academic	academic	ADJ
ejh-1142	72	13	literature	literature	NOUN
ejh-1142	72	14	that	that	PRON
ejh-1142	72	15	focus	focus	VERB
ejh-1142	72	16	on	on	ADP
ejh-1142	72	17	the	the	DET
ejh-1142	72	18	determinants	determinant	NOUN
ejh-1142	72	19	that	that	PRON
ejh-1142	72	20	permit	permit	VERB
ejh-1142	72	21	the	the	DET
ejh-1142	72	22	performance	performance	NOUN
ejh-1142	72	23	of	of	ADP
ejh-1142	72	24	insurance	insurance	NOUN
ejh-1142	72	25	companies	company	NOUN
ejh-1142	72	26	.	.	PUNCT
ejh-1142	73	1	ibarra	ibarra	PROPN
ejh-1142	73	2	and	and	CCONJ
ejh-1142	73	3	securities	security	NOUN
ejh-1142	73	4	(	(	PUNCT
ejh-1142	73	5	2020	2020	NUM
ejh-1142	73	6	)	)	PUNCT
ejh-1142	73	7	conducted	conduct	VERB
ejh-1142	73	8	research	research	NOUN
ejh-1142	73	9	to	to	PART
ejh-1142	73	10	determine	determine	VERB
ejh-1142	73	11	the	the	DET
ejh-1142	73	12	elements	element	NOUN
ejh-1142	73	13	that	that	PRON
ejh-1142	73	14	influence	influence	VERB
ejh-1142	73	15	the	the	DET
ejh-1142	73	16	financial	financial	ADJ
ejh-1142	73	17	success	success	NOUN
ejh-1142	73	18	of	of	ADP
ejh-1142	73	19	insurance	insurance	NOUN
ejh-1142	73	20	and	and	CCONJ
ejh-1142	73	21	reinsurance	reinsurance	NOUN
ejh-1142	73	22	companies	company	NOUN
ejh-1142	73	23	that	that	PRON
ejh-1142	73	24	are	be	AUX
ejh-1142	73	25	based	base	VERB
ejh-1142	73	26	in	in	ADP
ejh-1142	73	27	bermuda	bermuda	NOUN
ejh-1142	73	28	.	.	PUNCT
ejh-1142	74	1	in	in	ADP
ejh-1142	74	2	their	their	PRON
ejh-1142	74	3	analysis	analysis	NOUN
ejh-1142	74	4	,	,	PUNCT
ejh-1142	74	5	they	they	PRON
ejh-1142	74	6	examined	examine	VERB
ejh-1142	74	7	panel	panel	NOUN
ejh-1142	74	8	data	datum	NOUN
ejh-1142	74	9	spanning	span	VERB
ejh-1142	74	10	the	the	DET
ejh-1142	74	11	years	year	NOUN
ejh-1142	74	12	1993	1993	NUM
ejh-1142	74	13	to	to	ADP
ejh-1142	74	14	1997	1997	NUM
ejh-1142	74	15	.	.	PUNCT
ejh-1142	75	1	according	accord	VERB
ejh-1142	75	2	to	to	ADP
ejh-1142	75	3	their	their	PRON
ejh-1142	75	4	findings	finding	NOUN
ejh-1142	75	5	,	,	PUNCT
ejh-1142	75	6	the	the	DET
ejh-1142	75	7	amount	amount	NOUN
ejh-1142	75	8	of	of	ADP
ejh-1142	75	9	leverage	leverage	NOUN
ejh-1142	75	10	,	,	PUNCT
ejh-1142	75	11	the	the	DET
ejh-1142	75	12	type	type	NOUN
ejh-1142	75	13	of	of	ADP
ejh-1142	75	14	file:///c:/users	file:///c:/user	NOUN
ejh-1142	75	15	/	/	SYM
ejh-1142	75	16	hp	hp	PROPN
ejh-1142	75	17	/	/	SYM
ejh-1142	75	18	desktop	desktop	NOUN
ejh-1142	75	19	/	/	SYM
ejh-1142	75	20	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	75	21	/	/	SYM
ejh-1142	75	22	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	75	23	/	/	SYM
ejh-1142	75	24	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	75	25	american	american	ADJ
ejh-1142	75	26	journal	journal	NOUN
ejh-1142	75	27	of	of	ADP
ejh-1142	75	28	human	human	ADJ
ejh-1142	75	29	resource	resource	NOUN
ejh-1142	75	30	issn	issn	PROPN
ejh-1142	75	31	2520	2520	NUM
ejh-1142	75	32	-	-	SYM
ejh-1142	75	33	4697	4697	NUM
ejh-1142	75	34	(	(	PUNCT
ejh-1142	75	35	online	online	ADJ
ejh-1142	75	36	)	)	PUNCT
ejh-1142	75	37	vol.6	vol.6	PROPN
ejh-1142	75	38	,	,	PUNCT
ejh-1142	75	39	issue	issue	NOUN
ejh-1142	75	40	1	1	NUM
ejh-1142	75	41	,	,	PUNCT
ejh-1142	75	42	pp	pp	ADV
ejh-1142	75	43	80	80	NUM
ejh-1142	75	44	87	87	NUM
ejh-1142	75	45	,	,	PUNCT
ejh-1142	75	46	2022	2022	NUM
ejh-1142	75	47	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	75	48	84	84	NUM
ejh-1142	75	49	organization	organization	NOUN
ejh-1142	75	50	,	,	PUNCT
ejh-1142	75	51	and	and	CCONJ
ejh-1142	75	52	the	the	DET
ejh-1142	75	53	level	level	NOUN
ejh-1142	75	54	of	of	ADP
ejh-1142	75	55	underwriting	underwriting	NOUN
ejh-1142	75	56	risk	risk	NOUN
ejh-1142	75	57	all	all	PRON
ejh-1142	75	58	have	have	VERB
ejh-1142	75	59	a	a	DET
ejh-1142	75	60	positive	positive	ADJ
ejh-1142	75	61	and	and	CCONJ
ejh-1142	75	62	significant	significant	ADJ
ejh-1142	75	63	impact	impact	NOUN
ejh-1142	75	64	on	on	ADP
ejh-1142	75	65	financial	financial	ADJ
ejh-1142	75	66	success	success	NOUN
ejh-1142	75	67	.	.	PUNCT
ejh-1142	76	1	on	on	ADP
ejh-1142	76	2	the	the	DET
ejh-1142	76	3	other	other	ADJ
ejh-1142	76	4	hand	hand	NOUN
ejh-1142	76	5	,	,	PUNCT
ejh-1142	76	6	liquidity	liquidity	NOUN
ejh-1142	76	7	has	have	VERB
ejh-1142	76	8	a	a	DET
ejh-1142	76	9	detrimental	detrimental	ADJ
ejh-1142	76	10	influence	influence	NOUN
ejh-1142	76	11	on	on	ADP
ejh-1142	76	12	financial	financial	ADJ
ejh-1142	76	13	performance	performance	NOUN
ejh-1142	76	14	that	that	PRON
ejh-1142	76	15	is	be	AUX
ejh-1142	76	16	both	both	CCONJ
ejh-1142	76	17	considerable	considerable	ADJ
ejh-1142	76	18	and	and	CCONJ
ejh-1142	76	19	noticeable	noticeable	ADJ
ejh-1142	76	20	,	,	PUNCT
ejh-1142	76	21	although	although	SCONJ
ejh-1142	76	22	the	the	DET
ejh-1142	76	23	size	size	NOUN
ejh-1142	76	24	of	of	ADP
ejh-1142	76	25	the	the	DET
ejh-1142	76	26	company	company	NOUN
ejh-1142	76	27	and	and	CCONJ
ejh-1142	76	28	the	the	DET
ejh-1142	76	29	breadth	breadth	NOUN
ejh-1142	76	30	of	of	ADP
ejh-1142	76	31	its	its	PRON
ejh-1142	76	32	operations	operation	NOUN
ejh-1142	76	33	have	have	VERB
ejh-1142	76	34	no	no	DET
ejh-1142	76	35	bearing	bearing	NOUN
ejh-1142	76	36	on	on	ADP
ejh-1142	76	37	financial	financial	ADJ
ejh-1142	76	38	performance	performance	NOUN
ejh-1142	76	39	.	.	PUNCT
ejh-1142	77	1	murigu	murigu	NOUN
ejh-1142	77	2	(	(	PUNCT
ejh-1142	77	3	2018	2018	NUM
ejh-1142	77	4	)	)	PUNCT
ejh-1142	77	5	performed	perform	VERB
ejh-1142	77	6	an	an	DET
ejh-1142	77	7	analysis	analysis	NOUN
ejh-1142	77	8	of	of	ADP
ejh-1142	77	9	the	the	DET
ejh-1142	77	10	factors	factor	NOUN
ejh-1142	77	11	that	that	PRON
ejh-1142	77	12	determined	determine	VERB
ejh-1142	77	13	the	the	DET
ejh-1142	77	14	levels	level	NOUN
ejh-1142	77	15	of	of	ADP
ejh-1142	77	16	profitability	profitability	NOUN
ejh-1142	77	17	of	of	ADP
ejh-1142	77	18	25	25	NUM
ejh-1142	77	19	general	general	ADJ
ejh-1142	77	20	insurance	insurance	NOUN
ejh-1142	77	21	businesses	business	NOUN
ejh-1142	77	22	operating	operate	VERB
ejh-1142	77	23	in	in	ADP
ejh-1142	77	24	poland	poland	PROPN
ejh-1142	77	25	between	between	ADP
ejh-1142	77	26	the	the	DET
ejh-1142	77	27	years	year	NOUN
ejh-1142	77	28	2002	2002	NUM
ejh-1142	77	29	and	and	CCONJ
ejh-1142	77	30	2009	2009	NUM
ejh-1142	77	31	.	.	PUNCT
ejh-1142	78	1	the	the	DET
ejh-1142	78	2	author	author	NOUN
ejh-1142	78	3	used	use	VERB
ejh-1142	78	4	a	a	DET
ejh-1142	78	5	regression	regression	NOUN
ejh-1142	78	6	model	model	NOUN
ejh-1142	78	7	to	to	PART
ejh-1142	78	8	determine	determine	VERB
ejh-1142	78	9	the	the	DET
ejh-1142	78	10	factors	factor	NOUN
ejh-1142	78	11	that	that	PRON
ejh-1142	78	12	have	have	VERB
ejh-1142	78	13	a	a	DET
ejh-1142	78	14	positive	positive	ADJ
ejh-1142	78	15	impact	impact	NOUN
ejh-1142	78	16	on	on	ADP
ejh-1142	78	17	the	the	DET
ejh-1142	78	18	performance	performance	NOUN
ejh-1142	78	19	of	of	ADP
ejh-1142	78	20	insurance	insurance	NOUN
ejh-1142	78	21	companies	company	NOUN
ejh-1142	78	22	.	.	PUNCT
ejh-1142	79	1	these	these	DET
ejh-1142	79	2	factors	factor	NOUN
ejh-1142	79	3	include	include	VERB
ejh-1142	79	4	the	the	DET
ejh-1142	79	5	reduction	reduction	NOUN
ejh-1142	79	6	of	of	ADP
ejh-1142	79	7	motor	motor	NOUN
ejh-1142	79	8	insurance	insurance	NOUN
ejh-1142	79	9	,	,	PUNCT
ejh-1142	79	10	the	the	DET
ejh-1142	79	11	increase	increase	NOUN
ejh-1142	79	12	of	of	ADP
ejh-1142	79	13	other	other	ADJ
ejh-1142	79	14	classes	class	NOUN
ejh-1142	79	15	of	of	ADP
ejh-1142	79	16	insurance	insurance	NOUN
ejh-1142	79	17	,	,	PUNCT
ejh-1142	79	18	the	the	DET
ejh-1142	79	19	growth	growth	NOUN
ejh-1142	79	20	of	of	ADP
ejh-1142	79	21	gross	gross	ADJ
ejh-1142	79	22	written	write	VERB
ejh-1142	79	23	premiums	premium	NOUN
ejh-1142	79	24	,	,	PUNCT
ejh-1142	79	25	the	the	DET
ejh-1142	79	26	reduction	reduction	NOUN
ejh-1142	79	27	of	of	ADP
ejh-1142	79	28	operating	operating	NOUN
ejh-1142	79	29	costs	cost	NOUN
ejh-1142	79	30	,	,	PUNCT
ejh-1142	79	31	the	the	DET
ejh-1142	79	32	growth	growth	NOUN
ejh-1142	79	33	of	of	ADP
ejh-1142	79	34	gross	gross	ADJ
ejh-1142	79	35	domestic	domestic	ADJ
ejh-1142	79	36	product	product	NOUN
ejh-1142	79	37	(	(	PUNCT
ejh-1142	79	38	gdp	gdp	NOUN
ejh-1142	79	39	)	)	PUNCT
ejh-1142	79	40	,	,	PUNCT
ejh-1142	79	41	and	and	CCONJ
ejh-1142	79	42	the	the	DET
ejh-1142	79	43	growth	growth	NOUN
ejh-1142	79	44	of	of	ADP
ejh-1142	79	45	the	the	DET
ejh-1142	79	46	market	market	NOUN
ejh-1142	79	47	share	share	NOUN
ejh-1142	79	48	of	of	ADP
ejh-1142	79	49	companies	company	NOUN
ejh-1142	79	50	with	with	ADP
ejh-1142	79	51	foreign	foreign	ADJ
ejh-1142	79	52	ownership	ownership	NOUN
ejh-1142	79	53	.	.	PUNCT
ejh-1142	80	1	on	on	ADP
ejh-1142	80	2	the	the	DET
ejh-1142	80	3	other	other	ADJ
ejh-1142	80	4	hand	hand	NOUN
ejh-1142	80	5	,	,	PUNCT
ejh-1142	80	6	offering	offer	VERB
ejh-1142	80	7	a	a	DET
ejh-1142	80	8	wide	wide	ADJ
ejh-1142	80	9	variety	variety	NOUN
ejh-1142	80	10	of	of	ADP
ejh-1142	80	11	insurance	insurance	NOUN
ejh-1142	80	12	classes	class	NOUN
ejh-1142	80	13	has	have	VERB
ejh-1142	80	14	a	a	DET
ejh-1142	80	15	negative	negative	ADJ
ejh-1142	80	16	impact	impact	NOUN
ejh-1142	80	17	on	on	ADP
ejh-1142	80	18	a	a	DET
ejh-1142	80	19	company	company	NOUN
ejh-1142	80	20	's	's	PART
ejh-1142	80	21	profitability	profitability	NOUN
ejh-1142	80	22	.	.	PUNCT
ejh-1142	81	1	heenkenda	heenkenda	NOUN
ejh-1142	81	2	(	(	PUNCT
ejh-1142	81	3	2018	2018	NUM
ejh-1142	81	4	)	)	PUNCT
ejh-1142	81	5	conducted	conduct	VERB
ejh-1142	81	6	a	a	DET
ejh-1142	81	7	study	study	NOUN
ejh-1142	81	8	to	to	PART
ejh-1142	81	9	investigate	investigate	VERB
ejh-1142	81	10	and	and	CCONJ
ejh-1142	81	11	identify	identify	VERB
ejh-1142	81	12	the	the	DET
ejh-1142	81	13	factors	factor	NOUN
ejh-1142	81	14	that	that	PRON
ejh-1142	81	15	affected	affect	VERB
ejh-1142	81	16	the	the	DET
ejh-1142	81	17	financial	financial	ADJ
ejh-1142	81	18	performance	performance	NOUN
ejh-1142	81	19	of	of	ADP
ejh-1142	81	20	jordanian	jordanian	ADJ
ejh-1142	81	21	insurance	insurance	NOUN
ejh-1142	81	22	businesses	business	NOUN
ejh-1142	81	23	from	from	ADP
ejh-1142	81	24	2002	2002	NUM
ejh-1142	81	25	to	to	ADP
ejh-1142	81	26	2007	2007	NUM
ejh-1142	81	27	.	.	PUNCT
ejh-1142	82	1	this	this	DET
ejh-1142	82	2	research	research	NOUN
ejh-1142	82	3	was	be	AUX
ejh-1142	82	4	carried	carry	VERB
ejh-1142	82	5	out	out	ADP
ejh-1142	82	6	over	over	ADP
ejh-1142	82	7	the	the	DET
ejh-1142	82	8	course	course	NOUN
ejh-1142	82	9	of	of	ADP
ejh-1142	82	10	the	the	DET
ejh-1142	82	11	period	period	NOUN
ejh-1142	82	12	of	of	ADP
ejh-1142	82	13	time	time	NOUN
ejh-1142	82	14	covered	cover	VERB
ejh-1142	82	15	by	by	ADP
ejh-1142	82	16	the	the	DET
ejh-1142	82	17	study	study	NOUN
ejh-1142	82	18	.	.	PUNCT
ejh-1142	83	1	the	the	DET
ejh-1142	83	2	ratio	ratio	NOUN
ejh-1142	83	3	of	of	ADP
ejh-1142	83	4	operating	operate	VERB
ejh-1142	83	5	income	income	NOUN
ejh-1142	83	6	to	to	ADP
ejh-1142	83	7	total	total	ADJ
ejh-1142	83	8	assets	asset	NOUN
ejh-1142	83	9	(	(	PUNCT
ejh-1142	83	10	roa	roa	NOUN
ejh-1142	83	11	)	)	PUNCT
ejh-1142	83	12	served	serve	VERB
ejh-1142	83	13	as	as	ADP
ejh-1142	83	14	the	the	DET
ejh-1142	83	15	dependent	dependent	ADJ
ejh-1142	83	16	variable	variable	NOUN
ejh-1142	83	17	,	,	PUNCT
ejh-1142	83	18	while	while	SCONJ
ejh-1142	83	19	leverage	leverage	NOUN
ejh-1142	83	20	,	,	PUNCT
ejh-1142	83	21	liquidity	liquidity	NOUN
ejh-1142	83	22	,	,	PUNCT
ejh-1142	83	23	age	age	NOUN
ejh-1142	83	24	,	,	PUNCT
ejh-1142	83	25	size	size	NOUN
ejh-1142	83	26	,	,	PUNCT
ejh-1142	83	27	and	and	CCONJ
ejh-1142	83	28	management	management	NOUN
ejh-1142	83	29	competence	competence	NOUN
ejh-1142	83	30	index	index	NOUN
ejh-1142	83	31	served	serve	VERB
ejh-1142	83	32	as	as	ADP
ejh-1142	83	33	the	the	DET
ejh-1142	83	34	independent	independent	ADJ
ejh-1142	83	35	factors	factor	NOUN
ejh-1142	83	36	.	.	PUNCT
ejh-1142	84	1	according	accord	VERB
ejh-1142	84	2	to	to	ADP
ejh-1142	84	3	the	the	DET
ejh-1142	84	4	findings	finding	NOUN
ejh-1142	84	5	of	of	ADP
ejh-1142	84	6	the	the	DET
ejh-1142	84	7	regression	regression	NOUN
ejh-1142	84	8	study	study	NOUN
ejh-1142	84	9	,	,	PUNCT
ejh-1142	84	10	the	the	DET
ejh-1142	84	11	financial	financial	ADJ
ejh-1142	84	12	performance	performance	NOUN
ejh-1142	84	13	of	of	ADP
ejh-1142	84	14	jordanian	jordanian	ADJ
ejh-1142	84	15	insurance	insurance	NOUN
ejh-1142	84	16	businesses	business	NOUN
ejh-1142	84	17	is	be	AUX
ejh-1142	84	18	significantly	significantly	ADV
ejh-1142	84	19	impacted	impact	VERB
ejh-1142	84	20	in	in	ADP
ejh-1142	84	21	a	a	DET
ejh-1142	84	22	positive	positive	ADJ
ejh-1142	84	23	way	way	NOUN
ejh-1142	84	24	by	by	ADP
ejh-1142	84	25	liquidity	liquidity	NOUN
ejh-1142	84	26	,	,	PUNCT
ejh-1142	84	27	leverage	leverage	NOUN
ejh-1142	84	28	,	,	PUNCT
ejh-1142	84	29	the	the	DET
ejh-1142	84	30	size	size	NOUN
ejh-1142	84	31	of	of	ADP
ejh-1142	84	32	the	the	DET
ejh-1142	84	33	company	company	NOUN
ejh-1142	84	34	,	,	PUNCT
ejh-1142	84	35	and	and	CCONJ
ejh-1142	84	36	the	the	DET
ejh-1142	84	37	managerial	managerial	ADJ
ejh-1142	84	38	competency	competency	NOUN
ejh-1142	84	39	index	index	NOUN
ejh-1142	84	40	.	.	PUNCT
ejh-1142	85	1	according	accord	VERB
ejh-1142	85	2	to	to	ADP
ejh-1142	85	3	the	the	DET
ejh-1142	85	4	findings	finding	NOUN
ejh-1142	85	5	,	,	PUNCT
ejh-1142	85	6	there	there	PRON
ejh-1142	85	7	does	do	AUX
ejh-1142	85	8	not	not	PART
ejh-1142	85	9	appear	appear	VERB
ejh-1142	85	10	to	to	PART
ejh-1142	85	11	be	be	AUX
ejh-1142	85	12	any	any	DET
ejh-1142	85	13	substantial	substantial	ADJ
ejh-1142	85	14	correlation	correlation	NOUN
ejh-1142	85	15	between	between	ADP
ejh-1142	85	16	the	the	DET
ejh-1142	85	17	age	age	NOUN
ejh-1142	85	18	of	of	ADP
ejh-1142	85	19	the	the	DET
ejh-1142	85	20	company	company	NOUN
ejh-1142	85	21	and	and	CCONJ
ejh-1142	85	22	performance	performance	NOUN
ejh-1142	85	23	.	.	PUNCT
ejh-1142	86	1	tangcharoensathien	tangcharoensathien	NOUN
ejh-1142	86	2	et.al	et.al	PROPN
ejh-1142	86	3	(	(	PUNCT
ejh-1142	86	4	2017	2017	NUM
ejh-1142	86	5	)	)	PUNCT
ejh-1142	86	6	conducted	conduct	VERB
ejh-1142	86	7	an	an	DET
ejh-1142	86	8	investigation	investigation	NOUN
ejh-1142	86	9	between	between	ADP
ejh-1142	86	10	the	the	DET
ejh-1142	86	11	years	year	NOUN
ejh-1142	86	12	2012	2012	NUM
ejh-1142	86	13	-2017	-2017	ADV
ejh-1142	86	14	into	into	ADP
ejh-1142	86	15	the	the	DET
ejh-1142	86	16	elements	element	NOUN
ejh-1142	86	17	that	that	PRON
ejh-1142	86	18	influence	influence	VERB
ejh-1142	86	19	the	the	DET
ejh-1142	86	20	financial	financial	ADJ
ejh-1142	86	21	performance	performance	NOUN
ejh-1142	86	22	of	of	ADP
ejh-1142	86	23	21	21	NUM
ejh-1142	86	24	insurance	insurance	NOUN
ejh-1142	86	25	businesses	business	NOUN
ejh-1142	86	26	that	that	PRON
ejh-1142	86	27	were	be	AUX
ejh-1142	86	28	active	active	ADJ
ejh-1142	86	29	in	in	ADP
ejh-1142	86	30	the	the	DET
ejh-1142	86	31	romanian	romanian	ADJ
ejh-1142	86	32	insurance	insurance	NOUN
ejh-1142	86	33	market	market	NOUN
ejh-1142	86	34	.	.	PUNCT
ejh-1142	87	1	in	in	ADP
ejh-1142	87	2	order	order	NOUN
ejh-1142	87	3	to	to	PART
ejh-1142	87	4	accomplish	accomplish	VERB
ejh-1142	87	5	this	this	DET
ejh-1142	87	6	goal	goal	NOUN
ejh-1142	87	7	,	,	PUNCT
ejh-1142	87	8	the	the	DET
ejh-1142	87	9	variables	variable	NOUN
ejh-1142	87	10	that	that	PRON
ejh-1142	87	11	were	be	AUX
ejh-1142	87	12	utilized	utilize	VERB
ejh-1142	87	13	as	as	ADP
ejh-1142	87	14	explanatory	explanatory	ADJ
ejh-1142	87	15	factors	factor	NOUN
ejh-1142	87	16	included	include	VERB
ejh-1142	87	17	financial	financial	ADJ
ejh-1142	87	18	leverage	leverage	NOUN
ejh-1142	87	19	in	in	ADP
ejh-1142	87	20	insurance	insurance	NOUN
ejh-1142	87	21	,	,	PUNCT
ejh-1142	87	22	company	company	NOUN
ejh-1142	87	23	size	size	NOUN
ejh-1142	87	24	,	,	PUNCT
ejh-1142	87	25	number	number	NOUN
ejh-1142	87	26	of	of	ADP
ejh-1142	87	27	years	year	NOUN
ejh-1142	87	28	spent	spend	VERB
ejh-1142	87	29	operating	operate	VERB
ejh-1142	87	30	in	in	ADP
ejh-1142	87	31	the	the	DET
ejh-1142	87	32	romanian	romanian	ADJ
ejh-1142	87	33	market	market	NOUN
ejh-1142	87	34	,	,	PUNCT
ejh-1142	87	35	growth	growth	NOUN
ejh-1142	87	36	of	of	ADP
ejh-1142	87	37	gross	gross	ADJ
ejh-1142	87	38	written	write	VERB
ejh-1142	87	39	premiums	premium	NOUN
ejh-1142	87	40	,	,	PUNCT
ejh-1142	87	41	equity	equity	NOUN
ejh-1142	87	42	,	,	PUNCT
ejh-1142	87	43	total	total	ADJ
ejh-1142	87	44	market	market	NOUN
ejh-1142	87	45	share	share	NOUN
ejh-1142	87	46	,	,	PUNCT
ejh-1142	87	47	diversification	diversification	NOUN
ejh-1142	87	48	,	,	PUNCT
ejh-1142	87	49	underwriting	underwriting	NOUN
ejh-1142	87	50	risk	risk	NOUN
ejh-1142	87	51	,	,	PUNCT
ejh-1142	87	52	investment	investment	NOUN
ejh-1142	87	53	ratio	ratio	NOUN
ejh-1142	87	54	,	,	PUNCT
ejh-1142	87	55	reinsurance	reinsurance	NOUN
ejh-1142	87	56	dependence	dependence	NOUN
ejh-1142	87	57	,	,	PUNCT
ejh-1142	87	58	retained	retain	VERB
ejh-1142	87	59	risk	risk	NOUN
ejh-1142	87	60	ratio	ratio	NOUN
ejh-1142	87	61	,	,	PUNCT
ejh-1142	87	62	solvency	solvency	NOUN
ejh-1142	87	63	margin	margin	NOUN
ejh-1142	87	64	,	,	PUNCT
ejh-1142	87	65	and	and	CCONJ
ejh-1142	87	66	growth	growth	NOUN
ejh-1142	87	67	of	of	ADP
ejh-1142	87	68	gdp	gdp	NOUN
ejh-1142	87	69	per	per	ADP
ejh-1142	87	70	capita	capita	NOUN
ejh-1142	87	71	.	.	PUNCT
ejh-1142	88	1	the	the	DET
ejh-1142	88	2	return	return	NOUN
ejh-1142	88	3	on	on	ADP
ejh-1142	88	4	assets	asset	NOUN
ejh-1142	88	5	(	(	PUNCT
ejh-1142	88	6	roa	roa	NOUN
ejh-1142	88	7	)	)	PUNCT
ejh-1142	88	8	was	be	AUX
ejh-1142	88	9	used	use	VERB
ejh-1142	88	10	as	as	ADP
ejh-1142	88	11	a	a	DET
ejh-1142	88	12	metric	metric	NOUN
ejh-1142	88	13	to	to	PART
ejh-1142	88	14	evaluate	evaluate	VERB
ejh-1142	88	15	the	the	DET
ejh-1142	88	16	performance	performance	NOUN
ejh-1142	88	17	of	of	ADP
ejh-1142	88	18	the	the	DET
ejh-1142	88	19	company	company	NOUN
ejh-1142	88	20	(	(	PUNCT
ejh-1142	88	21	tax	tax	NOUN
ejh-1142	88	22	,	,	PUNCT
ejh-1142	88	23	2020	2020	NUM
ejh-1142	88	24	)	)	PUNCT
ejh-1142	88	25	.	.	PUNCT
ejh-1142	89	1	the	the	DET
ejh-1142	89	2	authors	author	NOUN
ejh-1142	89	3	demonstrated	demonstrate	VERB
ejh-1142	89	4	,	,	PUNCT
ejh-1142	89	5	with	with	ADP
ejh-1142	89	6	the	the	DET
ejh-1142	89	7	help	help	NOUN
ejh-1142	89	8	of	of	ADP
ejh-1142	89	9	panel	panel	NOUN
ejh-1142	89	10	data	datum	NOUN
ejh-1142	89	11	techniques	technique	NOUN
ejh-1142	89	12	,	,	PUNCT
ejh-1142	89	13	that	that	SCONJ
ejh-1142	89	14	the	the	DET
ejh-1142	89	15	primary	primary	ADJ
ejh-1142	89	16	factors	factor	NOUN
ejh-1142	89	17	that	that	PRON
ejh-1142	89	18	determine	determine	VERB
ejh-1142	89	19	financial	financial	ADJ
ejh-1142	89	20	performance	performance	NOUN
ejh-1142	89	21	in	in	ADP
ejh-1142	89	22	the	the	DET
ejh-1142	89	23	romanian	romanian	ADJ
ejh-1142	89	24	insurance	insurance	NOUN
ejh-1142	89	25	market	market	NOUN
ejh-1142	89	26	are	be	AUX
ejh-1142	89	27	financial	financial	ADJ
ejh-1142	89	28	leverage	leverage	NOUN
ejh-1142	89	29	in	in	ADP
ejh-1142	89	30	insurance	insurance	NOUN
ejh-1142	89	31	,	,	PUNCT
ejh-1142	89	32	company	company	NOUN
ejh-1142	89	33	size	size	NOUN
ejh-1142	89	34	,	,	PUNCT
ejh-1142	89	35	growth	growth	NOUN
ejh-1142	89	36	of	of	ADP
ejh-1142	89	37	gross	gross	ADJ
ejh-1142	89	38	written	write	VERB
ejh-1142	89	39	premiums	premium	NOUN
ejh-1142	89	40	,	,	PUNCT
ejh-1142	89	41	underwriting	underwriting	NOUN
ejh-1142	89	42	risk	risk	NOUN
ejh-1142	89	43	,	,	PUNCT
ejh-1142	89	44	risk	risk	NOUN
ejh-1142	89	45	retention	retention	NOUN
ejh-1142	89	46	ratio	ratio	NOUN
ejh-1142	89	47	,	,	PUNCT
ejh-1142	89	48	and	and	CCONJ
ejh-1142	89	49	solvency	solvency	NOUN
ejh-1142	89	50	margin	margin	NOUN
ejh-1142	89	51	.	.	PUNCT
ejh-1142	90	1	this	this	PRON
ejh-1142	90	2	was	be	AUX
ejh-1142	90	3	found	find	VERB
ejh-1142	90	4	to	to	PART
ejh-1142	90	5	be	be	AUX
ejh-1142	90	6	the	the	DET
ejh-1142	90	7	case	case	NOUN
ejh-1142	90	8	in	in	ADP
ejh-1142	90	9	the	the	DET
ejh-1142	90	10	romanian	romanian	ADJ
ejh-1142	90	11	insurance	insurance	NOUN
ejh-1142	90	12	market	market	NOUN
ejh-1142	90	13	.	.	PUNCT
ejh-1142	91	1	zelizer	zelizer	NOUN
ejh-1142	91	2	(	(	PUNCT
ejh-1142	91	3	2017	2017	NUM
ejh-1142	91	4	)	)	PUNCT
ejh-1142	91	5	looked	look	VERB
ejh-1142	91	6	into	into	ADP
ejh-1142	91	7	the	the	DET
ejh-1142	91	8	cost	cost	NOUN
ejh-1142	91	9	-	-	PUNCT
ejh-1142	91	10	effectiveness	effectiveness	NOUN
ejh-1142	91	11	and	and	CCONJ
ejh-1142	91	12	profitability	profitability	NOUN
ejh-1142	91	13	of	of	ADP
ejh-1142	91	14	the	the	DET
ejh-1142	91	15	life	life	NOUN
ejh-1142	91	16	insurance	insurance	NOUN
ejh-1142	91	17	industry	industry	NOUN
ejh-1142	91	18	in	in	ADP
ejh-1142	91	19	thailand	thailand	PROPN
ejh-1142	91	20	for	for	ADP
ejh-1142	91	21	his	his	PRON
ejh-1142	91	22	research	research	NOUN
ejh-1142	91	23	.	.	PUNCT
ejh-1142	92	1	this	this	DET
ejh-1142	92	2	study	study	NOUN
ejh-1142	92	3	made	make	VERB
ejh-1142	92	4	use	use	NOUN
ejh-1142	92	5	of	of	ADP
ejh-1142	92	6	data	datum	NOUN
ejh-1142	92	7	from	from	ADP
ejh-1142	92	8	1997	1997	NUM
ejh-1142	92	9	all	all	DET
ejh-1142	92	10	the	the	DET
ejh-1142	92	11	way	way	NOUN
ejh-1142	92	12	through	through	ADP
ejh-1142	92	13	2002	2002	NUM
ejh-1142	92	14	.	.	PUNCT
ejh-1142	93	1	in	in	ADP
ejh-1142	93	2	this	this	DET
ejh-1142	93	3	particular	particular	ADJ
ejh-1142	93	4	investigation	investigation	NOUN
ejh-1142	93	5	,	,	PUNCT
ejh-1142	93	6	the	the	DET
ejh-1142	93	7	stochastic	stochastic	ADJ
ejh-1142	93	8	cost	cost	NOUN
ejh-1142	93	9	frontier	frontier	NOUN
ejh-1142	93	10	methodology	methodology	NOUN
ejh-1142	93	11	was	be	AUX
ejh-1142	93	12	utilized	utilize	VERB
ejh-1142	93	13	.	.	PUNCT
ejh-1142	94	1	both	both	CCONJ
ejh-1142	94	2	the	the	DET
ejh-1142	94	3	return	return	NOUN
ejh-1142	94	4	on	on	ADP
ejh-1142	94	5	assets	asset	NOUN
ejh-1142	94	6	and	and	CCONJ
ejh-1142	94	7	the	the	DET
ejh-1142	94	8	return	return	NOUN
ejh-1142	94	9	on	on	ADP
ejh-1142	94	10	equity	equity	NOUN
ejh-1142	94	11	were	be	AUX
ejh-1142	94	12	used	use	VERB
ejh-1142	94	13	as	as	ADP
ejh-1142	94	14	dependent	dependent	ADJ
ejh-1142	94	15	variables	variable	NOUN
ejh-1142	94	16	in	in	ADP
ejh-1142	94	17	this	this	DET
ejh-1142	94	18	study	study	NOUN
ejh-1142	94	19	.	.	PUNCT
ejh-1142	95	1	the	the	DET
ejh-1142	95	2	inefficiency	inefficiency	NOUN
ejh-1142	95	3	of	of	ADP
ejh-1142	95	4	the	the	DET
ejh-1142	95	5	life	life	NOUN
ejh-1142	95	6	insurance	insurance	NOUN
ejh-1142	95	7	industry	industry	NOUN
ejh-1142	95	8	has	have	VERB
ejh-1142	95	9	a	a	DET
ejh-1142	95	10	negative	negative	ADJ
ejh-1142	95	11	correlation	correlation	NOUN
ejh-1142	95	12	with	with	ADP
ejh-1142	95	13	both	both	PRON
ejh-1142	95	14	of	of	ADP
ejh-1142	95	15	these	these	DET
ejh-1142	95	16	measures	measure	NOUN
ejh-1142	95	17	.	.	PUNCT
ejh-1142	96	1	gituma	gituma	ADJ
ejh-1142	96	2	and	and	CCONJ
ejh-1142	96	3	beyene	beyene	NOUN
ejh-1142	96	4	(	(	PUNCT
ejh-1142	96	5	2018	2018	NUM
ejh-1142	96	6	)	)	PUNCT
ejh-1142	96	7	carried	carry	VERB
ejh-1142	96	8	out	out	ADP
ejh-1142	96	9	research	research	NOUN
ejh-1142	96	10	to	to	PART
ejh-1142	96	11	investigate	investigate	VERB
ejh-1142	96	12	the	the	DET
ejh-1142	96	13	cohabitation	cohabitation	NOUN
ejh-1142	96	14	of	of	ADP
ejh-1142	96	15	malaysian	malaysian	ADJ
ejh-1142	96	16	life	life	NOUN
ejh-1142	96	17	insurance	insurance	NOUN
ejh-1142	96	18	and	and	CCONJ
ejh-1142	96	19	family	family	NOUN
ejh-1142	96	20	takaful	takaful	ADJ
ejh-1142	96	21	companies	company	NOUN
ejh-1142	96	22	in	in	ADP
ejh-1142	96	23	order	order	NOUN
ejh-1142	96	24	to	to	PART
ejh-1142	96	25	examine	examine	VERB
ejh-1142	96	26	the	the	DET
ejh-1142	96	27	efficiency	efficiency	NOUN
ejh-1142	96	28	and	and	CCONJ
ejh-1142	96	29	organizational	organizational	ADJ
ejh-1142	96	30	form	form	NOUN
ejh-1142	96	31	of	of	ADP
ejh-1142	96	32	both	both	PRON
ejh-1142	96	33	of	of	ADP
ejh-1142	96	34	these	these	DET
ejh-1142	96	35	types	type	NOUN
ejh-1142	96	36	of	of	ADP
ejh-1142	96	37	businesses	business	NOUN
ejh-1142	96	38	.	.	PUNCT
ejh-1142	97	1	a	a	DET
ejh-1142	97	2	non	non	ADJ
ejh-1142	97	3	-	-	ADJ
ejh-1142	97	4	parametric	parametric	ADJ
ejh-1142	97	5	method	method	NOUN
ejh-1142	97	6	known	know	VERB
ejh-1142	97	7	as	as	ADP
ejh-1142	97	8	"	"	PUNCT
ejh-1142	97	9	data	datum	NOUN
ejh-1142	97	10	envelopment	envelopment	ADJ
ejh-1142	97	11	analysis	analysis	NOUN
ejh-1142	97	12	"	"	PUNCT
ejh-1142	97	13	was	be	AUX
ejh-1142	97	14	used	use	VERB
ejh-1142	97	15	to	to	PART
ejh-1142	97	16	evaluate	evaluate	VERB
ejh-1142	97	17	the	the	DET
ejh-1142	97	18	technical	technical	ADJ
ejh-1142	97	19	expertise	expertise	NOUN
ejh-1142	97	20	of	of	ADP
ejh-1142	97	21	the	the	DET
ejh-1142	97	22	life	life	NOUN
ejh-1142	97	23	insurance	insurance	NOUN
ejh-1142	97	24	and	and	CCONJ
ejh-1142	97	25	family	family	NOUN
ejh-1142	97	26	takaful	takaful	ADJ
ejh-1142	97	27	industry	industry	NOUN
ejh-1142	97	28	.	.	PUNCT
ejh-1142	98	1	in	in	ADP
ejh-1142	98	2	order	order	NOUN
ejh-1142	98	3	file:///c:/users	file:///c:/user	NOUN
ejh-1142	98	4	/	/	SYM
ejh-1142	98	5	hp	hp	NOUN
ejh-1142	98	6	/	/	SYM
ejh-1142	98	7	desktop	desktop	NOUN
ejh-1142	98	8	/	/	SYM
ejh-1142	98	9	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	98	10	/	/	SYM
ejh-1142	98	11	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	98	12	/	/	SYM
ejh-1142	98	13	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	98	14	american	american	ADJ
ejh-1142	98	15	journal	journal	NOUN
ejh-1142	98	16	of	of	ADP
ejh-1142	98	17	human	human	ADJ
ejh-1142	98	18	resource	resource	NOUN
ejh-1142	98	19	issn	issn	PROPN
ejh-1142	98	20	2520	2520	NUM
ejh-1142	98	21	-	-	SYM
ejh-1142	98	22	4697	4697	NUM
ejh-1142	98	23	(	(	PUNCT
ejh-1142	98	24	online	online	ADJ
ejh-1142	98	25	)	)	PUNCT
ejh-1142	98	26	vol.6	vol.6	PROPN
ejh-1142	98	27	,	,	PUNCT
ejh-1142	98	28	issue	issue	NOUN
ejh-1142	98	29	1	1	NUM
ejh-1142	98	30	,	,	PUNCT
ejh-1142	98	31	pp	pp	ADV
ejh-1142	98	32	80	80	NUM
ejh-1142	98	33	87	87	NUM
ejh-1142	98	34	,	,	PUNCT
ejh-1142	98	35	2022	2022	NUM
ejh-1142	98	36	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	98	37	85	85	NUM
ejh-1142	98	38	to	to	PART
ejh-1142	98	39	differentiate	differentiate	VERB
ejh-1142	98	40	between	between	ADP
ejh-1142	98	41	technical	technical	ADJ
ejh-1142	98	42	efficiency	efficiency	NOUN
ejh-1142	98	43	and	and	CCONJ
ejh-1142	98	44	extent	extent	NOUN
ejh-1142	98	45	efficiency	efficiency	NOUN
ejh-1142	98	46	,	,	PUNCT
ejh-1142	98	47	both	both	CCONJ
ejh-1142	98	48	the	the	DET
ejh-1142	98	49	constant	constant	ADJ
ejh-1142	98	50	return	return	NOUN
ejh-1142	98	51	scale	scale	NOUN
ejh-1142	98	52	and	and	CCONJ
ejh-1142	98	53	the	the	DET
ejh-1142	98	54	variable	variable	ADJ
ejh-1142	98	55	return	return	NOUN
ejh-1142	98	56	scale	scale	NOUN
ejh-1142	98	57	were	be	AUX
ejh-1142	98	58	utilized	utilize	VERB
ejh-1142	98	59	.	.	PUNCT
ejh-1142	99	1	the	the	DET
ejh-1142	99	2	effectiveness	effectiveness	NOUN
ejh-1142	99	3	of	of	ADP
ejh-1142	99	4	the	the	DET
ejh-1142	99	5	united	united	PROPN
ejh-1142	99	6	states	states	PROPN
ejh-1142	99	7	life	life	NOUN
ejh-1142	99	8	insurance	insurance	NOUN
ejh-1142	99	9	sector	sector	NOUN
ejh-1142	99	10	is	be	AUX
ejh-1142	99	11	measured	measure	VERB
ejh-1142	99	12	by	by	ADP
ejh-1142	99	13	garrison	garrison	NOUN
ejh-1142	99	14	et.al	et.al	PROPN
ejh-1142	99	15	(	(	PUNCT
ejh-1142	99	16	2017	2017	NUM
ejh-1142	99	17	)	)	PUNCT
ejh-1142	99	18	in	in	ADP
ejh-1142	99	19	terms	term	NOUN
ejh-1142	99	20	of	of	ADP
ejh-1142	99	21	its	its	PRON
ejh-1142	99	22	profitability	profitability	NOUN
ejh-1142	99	23	.	.	PUNCT
ejh-1142	100	1	the	the	DET
ejh-1142	100	2	united	united	PROPN
ejh-1142	100	3	states	states	PROPN
ejh-1142	100	4	economy	economy	NOUN
ejh-1142	100	5	is	be	AUX
ejh-1142	100	6	significantly	significantly	ADV
ejh-1142	100	7	bolstered	bolster	VERB
ejh-1142	100	8	by	by	ADP
ejh-1142	100	9	the	the	DET
ejh-1142	100	10	contributions	contribution	NOUN
ejh-1142	100	11	made	make	VERB
ejh-1142	100	12	by	by	ADP
ejh-1142	100	13	various	various	ADJ
ejh-1142	100	14	insurance	insurance	NOUN
ejh-1142	100	15	businesses	business	NOUN
ejh-1142	100	16	.	.	PUNCT
ejh-1142	101	1	the	the	DET
ejh-1142	101	2	economy	economy	NOUN
ejh-1142	101	3	of	of	ADP
ejh-1142	101	4	the	the	DET
ejh-1142	101	5	united	united	PROPN
ejh-1142	101	6	states	states	PROPN
ejh-1142	101	7	of	of	ADP
ejh-1142	101	8	america	america	PROPN
ejh-1142	101	9	is	be	AUX
ejh-1142	101	10	currently	currently	ADV
ejh-1142	101	11	one	one	NUM
ejh-1142	101	12	of	of	ADP
ejh-1142	101	13	the	the	DET
ejh-1142	101	14	most	most	ADV
ejh-1142	101	15	robust	robust	ADJ
ejh-1142	101	16	on	on	ADP
ejh-1142	101	17	the	the	DET
ejh-1142	101	18	international	international	ADJ
ejh-1142	101	19	stage	stage	NOUN
ejh-1142	101	20	.	.	PUNCT
ejh-1142	102	1	according	accord	VERB
ejh-1142	102	2	to	to	ADP
ejh-1142	102	3	what	what	PRON
ejh-1142	102	4	was	be	AUX
ejh-1142	102	5	found	find	VERB
ejh-1142	102	6	,	,	PUNCT
ejh-1142	102	7	the	the	DET
ejh-1142	102	8	profitability	profitability	NOUN
ejh-1142	102	9	of	of	ADP
ejh-1142	102	10	an	an	DET
ejh-1142	102	11	organization	organization	NOUN
ejh-1142	102	12	has	have	VERB
ejh-1142	102	13	a	a	DET
ejh-1142	102	14	negligible	negligible	ADJ
ejh-1142	102	15	effect	effect	NOUN
ejh-1142	102	16	on	on	ADP
ejh-1142	102	17	the	the	DET
ejh-1142	102	18	return	return	NOUN
ejh-1142	102	19	on	on	ADP
ejh-1142	102	20	equity	equity	NOUN
ejh-1142	102	21	,	,	PUNCT
ejh-1142	102	22	which	which	PRON
ejh-1142	102	23	is	be	AUX
ejh-1142	102	24	not	not	PART
ejh-1142	102	25	driven	drive	VERB
ejh-1142	102	26	by	by	ADP
ejh-1142	102	27	cost	cost	NOUN
ejh-1142	102	28	efficiency	efficiency	NOUN
ejh-1142	102	29	.	.	PUNCT
ejh-1142	103	1	methodology	methodology	NOUN
ejh-1142	103	2	incorporating	incorporate	VERB
ejh-1142	103	3	a	a	DET
ejh-1142	103	4	literature	literature	NOUN
ejh-1142	103	5	search	search	NOUN
ejh-1142	103	6	into	into	ADP
ejh-1142	103	7	the	the	DET
ejh-1142	103	8	work	work	NOUN
ejh-1142	103	9	process	process	NOUN
ejh-1142	103	10	was	be	AUX
ejh-1142	103	11	an	an	DET
ejh-1142	103	12	important	important	ADJ
ejh-1142	103	13	part	part	NOUN
ejh-1142	103	14	of	of	ADP
ejh-1142	103	15	the	the	DET
ejh-1142	103	16	project	project	NOUN
ejh-1142	103	17	.	.	PUNCT
ejh-1142	104	1	consideration	consideration	NOUN
ejh-1142	104	2	for	for	ADP
ejh-1142	104	3	prior	prior	ADJ
ejh-1142	104	4	theoretical	theoretical	ADJ
ejh-1142	104	5	literature	literature	NOUN
ejh-1142	104	6	was	be	AUX
ejh-1142	104	7	given	give	VERB
ejh-1142	104	8	in	in	ADP
ejh-1142	104	9	the	the	DET
ejh-1142	104	10	research	research	NOUN
ejh-1142	104	11	process	process	NOUN
ejh-1142	104	12	,	,	PUNCT
ejh-1142	104	13	both	both	PRON
ejh-1142	104	14	published	publish	VERB
ejh-1142	104	15	and	and	CCONJ
ejh-1142	104	16	not	not	PART
ejh-1142	104	17	.	.	PUNCT
ejh-1142	105	1	a	a	DET
ejh-1142	105	2	literature	literature	NOUN
ejh-1142	105	3	review	review	NOUN
ejh-1142	105	4	is	be	AUX
ejh-1142	105	5	the	the	DET
ejh-1142	105	6	primary	primary	ADJ
ejh-1142	105	7	focus	focus	NOUN
ejh-1142	105	8	of	of	ADP
ejh-1142	105	9	this	this	DET
ejh-1142	105	10	study	study	NOUN
ejh-1142	105	11	,	,	PUNCT
ejh-1142	105	12	with	with	ADP
ejh-1142	105	13	a	a	DET
ejh-1142	105	14	particular	particular	ADJ
ejh-1142	105	15	focus	focus	NOUN
ejh-1142	105	16	on	on	ADP
ejh-1142	105	17	the	the	DET
ejh-1142	105	18	insurance	insurance	NOUN
ejh-1142	105	19	sector	sector	NOUN
ejh-1142	105	20	's	's	PART
ejh-1142	105	21	capacity	capacity	NOUN
ejh-1142	105	22	-	-	PUNCT
ejh-1142	105	23	building	building	NOUN
ejh-1142	105	24	efforts	effort	NOUN
ejh-1142	105	25	.	.	PUNCT
ejh-1142	106	1	the	the	DET
ejh-1142	106	2	literature	literature	NOUN
ejh-1142	106	3	search	search	NOUN
ejh-1142	106	4	began	begin	VERB
ejh-1142	106	5	in	in	ADP
ejh-1142	106	6	2017	2017	NUM
ejh-1142	106	7	and	and	CCONJ
ejh-1142	106	8	was	be	AUX
ejh-1142	106	9	scheduled	schedule	VERB
ejh-1142	106	10	to	to	PART
ejh-1142	106	11	conclude	conclude	VERB
ejh-1142	106	12	in	in	ADP
ejh-1142	106	13	2022	2022	NUM
ejh-1142	106	14	.	.	PUNCT
ejh-1142	107	1	using	use	VERB
ejh-1142	107	2	a	a	DET
ejh-1142	107	3	variety	variety	NOUN
ejh-1142	107	4	of	of	ADP
ejh-1142	107	5	search	search	NOUN
ejh-1142	107	6	terms	term	NOUN
ejh-1142	107	7	and	and	CCONJ
ejh-1142	107	8	multiple	multiple	ADJ
ejh-1142	107	9	databases	database	NOUN
ejh-1142	107	10	,	,	PUNCT
ejh-1142	107	11	we	we	PRON
ejh-1142	107	12	came	come	VERB
ejh-1142	107	13	to	to	ADP
ejh-1142	107	14	this	this	DET
ejh-1142	107	15	conclusion	conclusion	NOUN
ejh-1142	107	16	.	.	PUNCT
ejh-1142	108	1	google	google	PROPN
ejh-1142	108	2	and	and	CCONJ
ejh-1142	108	3	other	other	ADJ
ejh-1142	108	4	search	search	NOUN
ejh-1142	108	5	engines	engine	NOUN
ejh-1142	108	6	were	be	AUX
ejh-1142	108	7	used	use	VERB
ejh-1142	108	8	for	for	ADP
ejh-1142	108	9	both	both	CCONJ
ejh-1142	108	10	basic	basic	ADJ
ejh-1142	108	11	and	and	CCONJ
ejh-1142	108	12	advanced	advanced	ADJ
ejh-1142	108	13	searches	search	NOUN
ejh-1142	108	14	by	by	ADP
ejh-1142	108	15	the	the	DET
ejh-1142	108	16	authors	author	NOUN
ejh-1142	108	17	.	.	PUNCT
ejh-1142	109	1	when	when	SCONJ
ejh-1142	109	2	searching	search	VERB
ejh-1142	109	3	through	through	ADP
ejh-1142	109	4	the	the	DET
ejh-1142	109	5	data	datum	NOUN
ejh-1142	109	6	,	,	PUNCT
ejh-1142	109	7	"	"	PUNCT
ejh-1142	109	8	capacity	capacity	NOUN
ejh-1142	109	9	building	building	NOUN
ejh-1142	109	10	in	in	ADP
ejh-1142	109	11	the	the	DET
ejh-1142	109	12	insurance	insurance	NOUN
ejh-1142	109	13	sector	sector	NOUN
ejh-1142	109	14	"	"	PUNCT
ejh-1142	109	15	was	be	AUX
ejh-1142	109	16	used	use	VERB
ejh-1142	109	17	as	as	ADP
ejh-1142	109	18	a	a	DET
ejh-1142	109	19	search	search	NOUN
ejh-1142	109	20	term	term	NOUN
ejh-1142	109	21	.	.	PUNCT
ejh-1142	110	1	the	the	DET
ejh-1142	110	2	phrase	phrase	NOUN
ejh-1142	110	3	"	"	PUNCT
ejh-1142	110	4	enabling	enable	VERB
ejh-1142	110	5	factors	factor	NOUN
ejh-1142	110	6	for	for	ADP
ejh-1142	110	7	capacity	capacity	NOUN
ejh-1142	110	8	building	building	NOUN
ejh-1142	110	9	in	in	ADP
ejh-1142	110	10	the	the	DET
ejh-1142	110	11	insurance	insurance	NOUN
ejh-1142	110	12	sector	sector	NOUN
ejh-1142	110	13	"	"	PUNCT
ejh-1142	110	14	was	be	AUX
ejh-1142	110	15	the	the	DET
ejh-1142	110	16	focus	focus	NOUN
ejh-1142	110	17	of	of	ADP
ejh-1142	110	18	the	the	DET
ejh-1142	110	19	initial	initial	ADJ
ejh-1142	110	20	google	google	NOUN
ejh-1142	110	21	search	search	NOUN
ejh-1142	110	22	and	and	CCONJ
ejh-1142	110	23	the	the	DET
ejh-1142	110	24	subsequent	subsequent	ADJ
ejh-1142	110	25	google	google	PROPN
ejh-1142	110	26	search	search	NOUN
ejh-1142	110	27	.	.	PUNCT
ejh-1142	111	1	if	if	SCONJ
ejh-1142	111	2	the	the	DET
ejh-1142	111	3	article	article	NOUN
ejh-1142	111	4	or	or	CCONJ
ejh-1142	111	5	report	report	NOUN
ejh-1142	111	6	was	be	AUX
ejh-1142	111	7	to	to	PART
ejh-1142	111	8	be	be	AUX
ejh-1142	111	9	included	include	VERB
ejh-1142	111	10	,	,	PUNCT
ejh-1142	111	11	it	it	PRON
ejh-1142	111	12	had	have	VERB
ejh-1142	111	13	to	to	PART
ejh-1142	111	14	be	be	AUX
ejh-1142	111	15	peer	peer	NOUN
ejh-1142	111	16	-	-	PUNCT
ejh-1142	111	17	reviewed	review	VERB
ejh-1142	111	18	,	,	PUNCT
ejh-1142	111	19	be	be	AUX
ejh-1142	111	20	written	write	VERB
ejh-1142	111	21	in	in	ADP
ejh-1142	111	22	english	english	PROPN
ejh-1142	111	23	,	,	PUNCT
ejh-1142	111	24	describe	describe	VERB
ejh-1142	111	25	the	the	DET
ejh-1142	111	26	method	method	NOUN
ejh-1142	111	27	used	use	VERB
ejh-1142	111	28	,	,	PUNCT
ejh-1142	111	29	and	and	CCONJ
ejh-1142	111	30	report	report	VERB
ejh-1142	111	31	the	the	DET
ejh-1142	111	32	study	study	NOUN
ejh-1142	111	33	's	's	PART
ejh-1142	111	34	findings	finding	NOUN
ejh-1142	111	35	;	;	PUNCT
ejh-1142	111	36	and	and	CCONJ
ejh-1142	111	37	,	,	PUNCT
ejh-1142	111	38	finally	finally	ADV
ejh-1142	111	39	,	,	PUNCT
ejh-1142	111	40	draw	draw	VERB
ejh-1142	111	41	a	a	DET
ejh-1142	111	42	conclusion	conclusion	NOUN
ejh-1142	111	43	.	.	PUNCT
ejh-1142	112	1	the	the	DET
ejh-1142	112	2	following	follow	VERB
ejh-1142	112	3	are	be	AUX
ejh-1142	112	4	the	the	DET
ejh-1142	112	5	criteria	criterion	NOUN
ejh-1142	112	6	for	for	ADP
ejh-1142	112	7	inclusion	inclusion	NOUN
ejh-1142	112	8	:	:	PUNCT
ejh-1142	112	9	the	the	DET
ejh-1142	112	10	articles	article	NOUN
ejh-1142	112	11	were	be	AUX
ejh-1142	112	12	read	read	VERB
ejh-1142	112	13	several	several	ADJ
ejh-1142	112	14	times	time	NOUN
ejh-1142	112	15	to	to	PART
ejh-1142	112	16	get	get	VERB
ejh-1142	112	17	a	a	DET
ejh-1142	112	18	sense	sense	NOUN
ejh-1142	112	19	of	of	ADP
ejh-1142	112	20	their	their	PRON
ejh-1142	112	21	content	content	NOUN
ejh-1142	112	22	in	in	ADP
ejh-1142	112	23	order	order	NOUN
ejh-1142	112	24	to	to	PART
ejh-1142	112	25	identify	identify	VERB
ejh-1142	112	26	the	the	DET
ejh-1142	112	27	enabling	enable	VERB
ejh-1142	112	28	factors	factor	NOUN
ejh-1142	112	29	for	for	ADP
ejh-1142	112	30	insurance	insurance	NOUN
ejh-1142	112	31	capacity	capacity	NOUN
ejh-1142	112	32	building	building	NOUN
ejh-1142	112	33	.	.	PUNCT
ejh-1142	113	1	conclusion	conclusion	NOUN
ejh-1142	113	2	and	and	CCONJ
ejh-1142	113	3	recommendations	recommendation	NOUN
ejh-1142	113	4	according	accord	VERB
ejh-1142	113	5	to	to	ADP
ejh-1142	113	6	the	the	DET
ejh-1142	113	7	findings	finding	NOUN
ejh-1142	113	8	,	,	PUNCT
ejh-1142	113	9	the	the	DET
ejh-1142	113	10	capacity	capacity	NOUN
ejh-1142	113	11	building	building	NOUN
ejh-1142	113	12	of	of	ADP
ejh-1142	113	13	insurance	insurance	NOUN
ejh-1142	113	14	will	will	AUX
ejh-1142	113	15	be	be	AUX
ejh-1142	113	16	significantly	significantly	ADV
ejh-1142	113	17	impacted	impact	VERB
ejh-1142	113	18	by	by	ADP
ejh-1142	113	19	a	a	DET
ejh-1142	113	20	higher	high	ADJ
ejh-1142	113	21	employment	employment	NOUN
ejh-1142	113	22	rate	rate	NOUN
ejh-1142	113	23	,	,	PUNCT
ejh-1142	113	24	growth	growth	NOUN
ejh-1142	113	25	in	in	ADP
ejh-1142	113	26	personal	personal	ADJ
ejh-1142	113	27	incomes	income	NOUN
ejh-1142	113	28	,	,	PUNCT
ejh-1142	113	29	and	and	CCONJ
ejh-1142	113	30	an	an	DET
ejh-1142	113	31	overall	overall	ADJ
ejh-1142	113	32	improvement	improvement	NOUN
ejh-1142	113	33	in	in	ADP
ejh-1142	113	34	the	the	DET
ejh-1142	113	35	quality	quality	NOUN
ejh-1142	113	36	of	of	ADP
ejh-1142	113	37	life	life	NOUN
ejh-1142	113	38	in	in	ADP
ejh-1142	113	39	the	the	DET
ejh-1142	113	40	country	country	NOUN
ejh-1142	113	41	.	.	PUNCT
ejh-1142	114	1	the	the	DET
ejh-1142	114	2	younger	young	ADJ
ejh-1142	114	3	and	and	CCONJ
ejh-1142	114	4	more	more	ADV
ejh-1142	114	5	educated	educate	VERB
ejh-1142	114	6	generation	generation	NOUN
ejh-1142	114	7	,	,	PUNCT
ejh-1142	114	8	in	in	ADP
ejh-1142	114	9	particular	particular	ADJ
ejh-1142	114	10	those	those	PRON
ejh-1142	114	11	with	with	ADP
ejh-1142	114	12	adequate	adequate	ADJ
ejh-1142	114	13	employment	employment	NOUN
ejh-1142	114	14	,	,	PUNCT
ejh-1142	114	15	will	will	AUX
ejh-1142	114	16	be	be	AUX
ejh-1142	114	17	able	able	ADJ
ejh-1142	114	18	to	to	PART
ejh-1142	114	19	afford	afford	VERB
ejh-1142	114	20	to	to	PART
ejh-1142	114	21	devote	devote	VERB
ejh-1142	114	22	a	a	DET
ejh-1142	114	23	portion	portion	NOUN
ejh-1142	114	24	of	of	ADP
ejh-1142	114	25	their	their	PRON
ejh-1142	114	26	incomes	income	NOUN
ejh-1142	114	27	to	to	ADP
ejh-1142	114	28	the	the	DET
ejh-1142	114	29	purchase	purchase	NOUN
ejh-1142	114	30	of	of	ADP
ejh-1142	114	31	insurance	insurance	NOUN
ejh-1142	114	32	products	product	NOUN
ejh-1142	114	33	as	as	ADP
ejh-1142	114	34	a	a	DET
ejh-1142	114	35	result	result	NOUN
ejh-1142	114	36	of	of	ADP
ejh-1142	114	37	higher	high	ADJ
ejh-1142	114	38	incomes	income	NOUN
ejh-1142	114	39	.	.	PUNCT
ejh-1142	115	1	this	this	PRON
ejh-1142	115	2	will	will	AUX
ejh-1142	115	3	be	be	AUX
ejh-1142	115	4	especially	especially	ADV
ejh-1142	115	5	true	true	ADJ
ejh-1142	115	6	for	for	ADP
ejh-1142	115	7	those	those	PRON
ejh-1142	115	8	with	with	ADP
ejh-1142	115	9	adequate	adequate	ADJ
ejh-1142	115	10	employment	employment	NOUN
ejh-1142	115	11	(	(	PUNCT
ejh-1142	115	12	lopez	lopez	NOUN
ejh-1142	115	13	-	-	PUNCT
ejh-1142	115	14	gunn	gunn	PROPN
ejh-1142	115	15	et.al	et.al	PROPN
ejh-1142	115	16	,	,	PUNCT
ejh-1142	115	17	2021	2021	NUM
ejh-1142	115	18	)	)	PUNCT
ejh-1142	115	19	.	.	PUNCT
ejh-1142	116	1	education	education	NOUN
ejh-1142	116	2	level	level	NOUN
ejh-1142	116	3	is	be	AUX
ejh-1142	116	4	one	one	NUM
ejh-1142	116	5	of	of	ADP
ejh-1142	116	6	the	the	DET
ejh-1142	116	7	demographic	demographic	ADJ
ejh-1142	116	8	factors	factor	NOUN
ejh-1142	116	9	that	that	PRON
ejh-1142	116	10	is	be	AUX
ejh-1142	116	11	anticipated	anticipate	VERB
ejh-1142	116	12	to	to	PART
ejh-1142	116	13	have	have	VERB
ejh-1142	116	14	a	a	DET
ejh-1142	116	15	beneficial	beneficial	ADJ
ejh-1142	116	16	impact	impact	NOUN
ejh-1142	116	17	on	on	ADP
ejh-1142	116	18	the	the	DET
ejh-1142	116	19	demand	demand	NOUN
ejh-1142	116	20	for	for	ADP
ejh-1142	116	21	various	various	ADJ
ejh-1142	116	22	types	type	NOUN
ejh-1142	116	23	of	of	ADP
ejh-1142	116	24	insurance	insurance	NOUN
ejh-1142	116	25	.	.	PUNCT
ejh-1142	117	1	it	it	PRON
ejh-1142	117	2	is	be	AUX
ejh-1142	117	3	a	a	DET
ejh-1142	117	4	question	question	NOUN
ejh-1142	117	5	whether	whether	SCONJ
ejh-1142	117	6	or	or	CCONJ
ejh-1142	117	7	to	to	ADP
ejh-1142	117	8	what	what	DET
ejh-1142	117	9	extent	extent	NOUN
ejh-1142	117	10	the	the	DET
ejh-1142	117	11	insurance	insurance	NOUN
ejh-1142	117	12	industry	industry	NOUN
ejh-1142	117	13	is	be	AUX
ejh-1142	117	14	being	be	AUX
ejh-1142	117	15	researched	research	VERB
ejh-1142	117	16	from	from	ADP
ejh-1142	117	17	all	all	PRON
ejh-1142	117	18	of	of	ADP
ejh-1142	117	19	its	its	PRON
ejh-1142	117	20	three	three	NUM
ejh-1142	117	21	aspects	aspect	NOUN
ejh-1142	117	22	(	(	PUNCT
ejh-1142	117	23	economic	economic	ADJ
ejh-1142	117	24	,	,	PUNCT
ejh-1142	117	25	legal	legal	ADJ
ejh-1142	117	26	,	,	PUNCT
ejh-1142	117	27	and	and	CCONJ
ejh-1142	117	28	mathematical	mathematical	ADJ
ejh-1142	117	29	)	)	PUNCT
ejh-1142	117	30	,	,	PUNCT
ejh-1142	117	31	so	so	SCONJ
ejh-1142	117	32	that	that	SCONJ
ejh-1142	117	33	citizens	citizen	NOUN
ejh-1142	117	34	can	can	AUX
ejh-1142	117	35	understand	understand	VERB
ejh-1142	117	36	the	the	DET
ejh-1142	117	37	product	product	NOUN
ejh-1142	117	38	that	that	PRON
ejh-1142	117	39	is	be	AUX
ejh-1142	117	40	life	life	NOUN
ejh-1142	117	41	insurance	insurance	NOUN
ejh-1142	117	42	itself	itself	PRON
ejh-1142	117	43	.	.	PUNCT
ejh-1142	118	1	educational	educational	ADJ
ejh-1142	118	2	systems	system	NOUN
ejh-1142	118	3	vary	vary	VERB
ejh-1142	118	4	from	from	ADP
ejh-1142	118	5	country	country	NOUN
ejh-1142	118	6	to	to	ADP
ejh-1142	118	7	country	country	NOUN
ejh-1142	118	8	and	and	CCONJ
ejh-1142	118	9	region	region	NOUN
ejh-1142	118	10	to	to	ADP
ejh-1142	118	11	region	region	NOUN
ejh-1142	118	12	,	,	PUNCT
ejh-1142	118	13	so	so	SCONJ
ejh-1142	118	14	this	this	DET
ejh-1142	118	15	question	question	NOUN
ejh-1142	118	16	can	can	AUX
ejh-1142	118	17	not	not	PART
ejh-1142	118	18	be	be	AUX
ejh-1142	118	19	answered	answer	VERB
ejh-1142	118	20	definitively	definitively	ADV
ejh-1142	118	21	.	.	PUNCT
ejh-1142	119	1	a	a	DET
ejh-1142	119	2	greater	great	ADJ
ejh-1142	119	3	education	education	NOUN
ejh-1142	119	4	level	level	NOUN
ejh-1142	119	5	was	be	AUX
ejh-1142	119	6	associated	associate	VERB
ejh-1142	119	7	with	with	ADP
ejh-1142	119	8	a	a	DET
ejh-1142	119	9	higher	high	ADJ
ejh-1142	119	10	rate	rate	NOUN
ejh-1142	119	11	of	of	ADP
ejh-1142	119	12	insurance	insurance	NOUN
ejh-1142	119	13	penetration	penetration	NOUN
ejh-1142	119	14	as	as	ADV
ejh-1142	119	15	well	well	ADV
ejh-1142	119	16	as	as	ADP
ejh-1142	119	17	a	a	DET
ejh-1142	119	18	higher	high	ADJ
ejh-1142	119	19	life	life	NOUN
ejh-1142	119	20	insurance	insurance	NOUN
ejh-1142	119	21	density	density	NOUN
ejh-1142	119	22	.	.	PUNCT
ejh-1142	120	1	this	this	DET
ejh-1142	120	2	study	study	NOUN
ejh-1142	120	3	implies	imply	VERB
ejh-1142	120	4	that	that	SCONJ
ejh-1142	120	5	there	there	PRON
ejh-1142	120	6	is	be	VERB
ejh-1142	120	7	a	a	DET
ejh-1142	120	8	need	need	NOUN
ejh-1142	120	9	for	for	ADP
ejh-1142	120	10	elevating	elevate	VERB
ejh-1142	120	11	the	the	DET
ejh-1142	120	12	education	education	NOUN
ejh-1142	120	13	level	level	NOUN
ejh-1142	120	14	of	of	ADP
ejh-1142	120	15	the	the	DET
ejh-1142	120	16	people	people	NOUN
ejh-1142	120	17	,	,	PUNCT
ejh-1142	120	18	because	because	SCONJ
ejh-1142	120	19	it	it	PRON
ejh-1142	120	20	would	would	AUX
ejh-1142	120	21	be	be	AUX
ejh-1142	120	22	advantageous	advantageous	ADJ
ejh-1142	120	23	to	to	PART
ejh-1142	120	24	boost	boost	VERB
ejh-1142	120	25	the	the	DET
ejh-1142	120	26	knowledge	knowledge	NOUN
ejh-1142	120	27	of	of	ADP
ejh-1142	120	28	financial	financial	ADJ
ejh-1142	120	29	goods	good	NOUN
ejh-1142	120	30	that	that	PRON
ejh-1142	120	31	are	be	AUX
ejh-1142	120	32	presented	present	VERB
ejh-1142	120	33	on	on	ADP
ejh-1142	120	34	the	the	DET
ejh-1142	120	35	market	market	NOUN
ejh-1142	120	36	and	and	CCONJ
ejh-1142	120	37	the	the	DET
ejh-1142	120	38	prospective	prospective	ADJ
ejh-1142	120	39	benefits	benefit	NOUN
ejh-1142	120	40	that	that	PRON
ejh-1142	120	41	could	could	AUX
ejh-1142	120	42	be	be	AUX
ejh-1142	120	43	gained	gain	VERB
ejh-1142	120	44	from	from	ADP
ejh-1142	120	45	using	use	VERB
ejh-1142	120	46	them	they	PRON
ejh-1142	120	47	by	by	ADP
ejh-1142	120	48	potential	potential	ADJ
ejh-1142	120	49	consumers	consumer	NOUN
ejh-1142	120	50	.	.	PUNCT
ejh-1142	121	1	according	accord	VERB
ejh-1142	121	2	to	to	ADP
ejh-1142	121	3	mazviona	mazviona	PROPN
ejh-1142	121	4	et.al	et.al	PROPN
ejh-1142	121	5	(	(	PUNCT
ejh-1142	121	6	2017	2017	NUM
ejh-1142	121	7	)	)	PUNCT
ejh-1142	121	8	,	,	PUNCT
ejh-1142	121	9	people	people	NOUN
ejh-1142	121	10	with	with	ADP
ejh-1142	121	11	greater	great	ADJ
ejh-1142	121	12	levels	level	NOUN
ejh-1142	121	13	of	of	ADP
ejh-1142	121	14	education	education	NOUN
ejh-1142	121	15	have	have	VERB
ejh-1142	121	16	a	a	DET
ejh-1142	121	17	better	well	ADJ
ejh-1142	121	18	understanding	understanding	NOUN
ejh-1142	121	19	of	of	ADP
ejh-1142	121	20	the	the	DET
ejh-1142	121	21	risks	risk	NOUN
ejh-1142	121	22	involved	involve	VERB
ejh-1142	121	23	and	and	CCONJ
ejh-1142	121	24	the	the	DET
ejh-1142	121	25	significance	significance	NOUN
ejh-1142	121	26	of	of	ADP
ejh-1142	121	27	effective	effective	ADJ
ejh-1142	121	28	risk	risk	NOUN
ejh-1142	121	29	management	management	NOUN
ejh-1142	121	30	.	.	PUNCT
ejh-1142	122	1	because	because	SCONJ
ejh-1142	122	2	of	of	ADP
ejh-1142	122	3	this	this	PRON
ejh-1142	122	4	,	,	PUNCT
ejh-1142	122	5	knowledge	knowledge	NOUN
ejh-1142	122	6	does	do	AUX
ejh-1142	122	7	indeed	indeed	ADV
ejh-1142	122	8	make	make	VERB
ejh-1142	122	9	people	people	NOUN
ejh-1142	122	10	less	less	ADV
ejh-1142	122	11	willing	willing	ADJ
ejh-1142	122	12	to	to	PART
ejh-1142	122	13	take	take	VERB
ejh-1142	122	14	risks	risk	NOUN
ejh-1142	122	15	and	and	CCONJ
ejh-1142	122	16	boosts	boost	VERB
ejh-1142	122	17	the	the	DET
ejh-1142	122	18	demand	demand	NOUN
ejh-1142	122	19	for	for	ADP
ejh-1142	122	20	insurance	insurance	NOUN
ejh-1142	122	21	protection	protection	NOUN
ejh-1142	122	22	.	.	PUNCT
ejh-1142	123	1	people	people	NOUN
ejh-1142	123	2	with	with	ADP
ejh-1142	123	3	greater	great	ADJ
ejh-1142	123	4	levels	level	NOUN
ejh-1142	123	5	of	of	ADP
ejh-1142	123	6	education	education	NOUN
ejh-1142	123	7	also	also	ADV
ejh-1142	123	8	have	have	VERB
ejh-1142	123	9	better	well	ADJ
ejh-1142	123	10	file:///c:/users	file:///c:/user	NOUN
ejh-1142	123	11	/	/	SYM
ejh-1142	123	12	hp	hp	NOUN
ejh-1142	123	13	/	/	SYM
ejh-1142	123	14	desktop	desktop	NOUN
ejh-1142	123	15	/	/	SYM
ejh-1142	123	16	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	123	17	/	/	SYM
ejh-1142	123	18	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	123	19	/	/	SYM
ejh-1142	123	20	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	123	21	american	american	ADJ
ejh-1142	123	22	journal	journal	NOUN
ejh-1142	123	23	of	of	ADP
ejh-1142	123	24	human	human	ADJ
ejh-1142	123	25	resource	resource	NOUN
ejh-1142	123	26	issn	issn	PROPN
ejh-1142	123	27	2520	2520	NUM
ejh-1142	123	28	-	-	SYM
ejh-1142	123	29	4697	4697	NUM
ejh-1142	123	30	(	(	PUNCT
ejh-1142	123	31	online	online	ADJ
ejh-1142	123	32	)	)	PUNCT
ejh-1142	123	33	vol.6	vol.6	PROPN
ejh-1142	123	34	,	,	PUNCT
ejh-1142	123	35	issue	issue	NOUN
ejh-1142	123	36	1	1	NUM
ejh-1142	123	37	,	,	PUNCT
ejh-1142	123	38	pp	pp	ADV
ejh-1142	123	39	80	80	NUM
ejh-1142	123	40	87	87	NUM
ejh-1142	123	41	,	,	PUNCT
ejh-1142	123	42	2022	2022	NUM
ejh-1142	123	43	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	123	44	86	86	NUM
ejh-1142	123	45	earnings	earning	NOUN
ejh-1142	123	46	,	,	PUNCT
ejh-1142	123	47	and	and	CCONJ
ejh-1142	123	48	they	they	PRON
ejh-1142	123	49	anticipate	anticipate	VERB
ejh-1142	123	50	an	an	DET
ejh-1142	123	51	increase	increase	NOUN
ejh-1142	123	52	in	in	ADP
ejh-1142	123	53	those	those	DET
ejh-1142	123	54	incomes	income	NOUN
ejh-1142	123	55	over	over	ADP
ejh-1142	123	56	the	the	DET
ejh-1142	123	57	long	long	ADJ
ejh-1142	123	58	term	term	NOUN
ejh-1142	123	59	,	,	PUNCT
ejh-1142	123	60	in	in	ADP
ejh-1142	123	61	comparison	comparison	NOUN
ejh-1142	123	62	to	to	ADP
ejh-1142	123	63	citizens	citizen	NOUN
ejh-1142	123	64	with	with	ADP
ejh-1142	123	65	lower	low	ADJ
ejh-1142	123	66	levels	level	NOUN
ejh-1142	123	67	of	of	ADP
ejh-1142	123	68	education	education	NOUN
ejh-1142	123	69	,	,	PUNCT
ejh-1142	123	70	which	which	PRON
ejh-1142	123	71	is	be	AUX
ejh-1142	123	72	another	another	DET
ejh-1142	123	73	factor	factor	NOUN
ejh-1142	123	74	that	that	PRON
ejh-1142	123	75	drives	drive	VERB
ejh-1142	123	76	them	they	PRON
ejh-1142	123	77	to	to	PART
ejh-1142	123	78	get	get	VERB
ejh-1142	123	79	insurance	insurance	NOUN
ejh-1142	123	80	coverage	coverage	NOUN
ejh-1142	123	81	.	.	PUNCT
ejh-1142	124	1	even	even	ADV
ejh-1142	124	2	if	if	SCONJ
ejh-1142	124	3	the	the	DET
ejh-1142	124	4	findings	finding	NOUN
ejh-1142	124	5	of	of	ADP
ejh-1142	124	6	many	many	ADJ
ejh-1142	124	7	studies	study	NOUN
ejh-1142	124	8	on	on	ADP
ejh-1142	124	9	the	the	DET
ejh-1142	124	10	effect	effect	NOUN
ejh-1142	124	11	of	of	ADP
ejh-1142	124	12	education	education	NOUN
ejh-1142	124	13	on	on	ADP
ejh-1142	124	14	the	the	DET
ejh-1142	124	15	demand	demand	NOUN
ejh-1142	124	16	for	for	ADP
ejh-1142	124	17	life	life	NOUN
ejh-1142	124	18	insurance	insurance	NOUN
ejh-1142	124	19	are	be	AUX
ejh-1142	124	20	contradictory	contradictory	ADJ
ejh-1142	124	21	,	,	PUNCT
ejh-1142	124	22	the	the	DET
ejh-1142	124	23	majority	majority	NOUN
ejh-1142	124	24	of	of	ADP
ejh-1142	124	25	people	people	NOUN
ejh-1142	124	26	who	who	PRON
ejh-1142	124	27	carry	carry	VERB
ejh-1142	124	28	life	life	NOUN
ejh-1142	124	29	insurance	insurance	NOUN
ejh-1142	124	30	policies	policy	NOUN
ejh-1142	124	31	are	be	AUX
ejh-1142	124	32	managers	manager	NOUN
ejh-1142	124	33	,	,	PUNCT
ejh-1142	124	34	other	other	ADJ
ejh-1142	124	35	professionals	professional	NOUN
ejh-1142	124	36	,	,	PUNCT
ejh-1142	124	37	and	and	CCONJ
ejh-1142	124	38	self	self	NOUN
ejh-1142	124	39	-	-	PUNCT
ejh-1142	124	40	employed	employ	VERB
ejh-1142	124	41	individuals	individual	NOUN
ejh-1142	124	42	.	.	PUNCT
ejh-1142	125	1	in	in	ADP
ejh-1142	125	2	addition	addition	NOUN
ejh-1142	125	3	,	,	PUNCT
ejh-1142	125	4	one	one	PRON
ejh-1142	125	5	may	may	AUX
ejh-1142	125	6	draw	draw	VERB
ejh-1142	125	7	the	the	DET
ejh-1142	125	8	conclusion	conclusion	NOUN
ejh-1142	125	9	from	from	ADP
ejh-1142	125	10	this	this	PRON
ejh-1142	125	11	that	that	SCONJ
ejh-1142	125	12	the	the	DET
ejh-1142	125	13	level	level	NOUN
ejh-1142	125	14	of	of	ADP
ejh-1142	125	15	economic	economic	ADJ
ejh-1142	125	16	education	education	NOUN
ejh-1142	125	17	is	be	AUX
ejh-1142	125	18	a	a	DET
ejh-1142	125	19	component	component	NOUN
ejh-1142	125	20	that	that	PRON
ejh-1142	125	21	makes	make	VERB
ejh-1142	125	22	it	it	PRON
ejh-1142	125	23	possible	possible	ADJ
ejh-1142	125	24	to	to	PART
ejh-1142	125	25	grow	grow	VERB
ejh-1142	125	26	capacity	capacity	NOUN
ejh-1142	125	27	in	in	ADP
ejh-1142	125	28	the	the	DET
ejh-1142	125	29	insurance	insurance	NOUN
ejh-1142	125	30	sector	sector	NOUN
ejh-1142	125	31	.	.	PUNCT
ejh-1142	126	1	from	from	ADP
ejh-1142	126	2	the	the	DET
ejh-1142	126	3	findings	finding	NOUN
ejh-1142	126	4	we	we	PRON
ejh-1142	126	5	conclude	conclude	VERB
ejh-1142	126	6	that	that	SCONJ
ejh-1142	126	7	the	the	DET
ejh-1142	126	8	premiums	premium	NOUN
ejh-1142	126	9	for	for	ADP
ejh-1142	126	10	the	the	DET
ejh-1142	126	11	insurance	insurance	NOUN
ejh-1142	126	12	sector	sector	NOUN
ejh-1142	126	13	are	be	AUX
ejh-1142	126	14	influenced	influence	VERB
ejh-1142	126	15	by	by	ADP
ejh-1142	126	16	factors	factor	NOUN
ejh-1142	126	17	such	such	ADJ
ejh-1142	126	18	as	as	ADP
ejh-1142	126	19	the	the	DET
ejh-1142	126	20	income	income	NOUN
ejh-1142	126	21	per	per	ADP
ejh-1142	126	22	capita	capita	NOUN
ejh-1142	126	23	,	,	PUNCT
ejh-1142	126	24	the	the	DET
ejh-1142	126	25	size	size	NOUN
ejh-1142	126	26	and	and	CCONJ
ejh-1142	126	27	density	density	NOUN
ejh-1142	126	28	of	of	ADP
ejh-1142	126	29	the	the	DET
ejh-1142	126	30	population	population	NOUN
ejh-1142	126	31	,	,	PUNCT
ejh-1142	126	32	demographic	demographic	ADJ
ejh-1142	126	33	structures	structure	NOUN
ejh-1142	126	34	,	,	PUNCT
ejh-1142	126	35	income	income	NOUN
ejh-1142	126	36	distribution	distribution	NOUN
ejh-1142	126	37	,	,	PUNCT
ejh-1142	126	38	the	the	DET
ejh-1142	126	39	size	size	NOUN
ejh-1142	126	40	of	of	ADP
ejh-1142	126	41	the	the	DET
ejh-1142	126	42	public	public	ADJ
ejh-1142	126	43	pension	pension	NOUN
ejh-1142	126	44	system	system	NOUN
ejh-1142	126	45	,	,	PUNCT
ejh-1142	126	46	the	the	DET
ejh-1142	126	47	ownership	ownership	NOUN
ejh-1142	126	48	of	of	ADP
ejh-1142	126	49	insurance	insurance	NOUN
ejh-1142	126	50	companies	company	NOUN
ejh-1142	126	51	by	by	ADP
ejh-1142	126	52	states	state	NOUN
ejh-1142	126	53	,	,	PUNCT
ejh-1142	126	54	the	the	DET
ejh-1142	126	55	availability	availability	NOUN
ejh-1142	126	56	of	of	ADP
ejh-1142	126	57	private	private	ADJ
ejh-1142	126	58	credit	credit	NOUN
ejh-1142	126	59	,	,	PUNCT
ejh-1142	126	60	and	and	CCONJ
ejh-1142	126	61	religion	religion	NOUN
ejh-1142	126	62	.	.	PUNCT
ejh-1142	127	1	these	these	DET
ejh-1142	127	2	elements	element	NOUN
ejh-1142	127	3	,	,	PUNCT
ejh-1142	127	4	along	along	ADP
ejh-1142	127	5	with	with	ADP
ejh-1142	127	6	a	a	DET
ejh-1142	127	7	number	number	NOUN
ejh-1142	127	8	of	of	ADP
ejh-1142	127	9	others	other	NOUN
ejh-1142	127	10	.	.	PUNCT
ejh-1142	128	1	the	the	DET
ejh-1142	128	2	studies	study	NOUN
ejh-1142	128	3	also	also	ADV
ejh-1142	128	4	suggest	suggest	VERB
ejh-1142	128	5	that	that	SCONJ
ejh-1142	128	6	insurance	insurance	NOUN
ejh-1142	128	7	companies	company	NOUN
ejh-1142	128	8	should	should	AUX
ejh-1142	128	9	conduct	conduct	VERB
ejh-1142	128	10	regular	regular	ADJ
ejh-1142	128	11	monitoring	monitoring	NOUN
ejh-1142	128	12	and	and	CCONJ
ejh-1142	128	13	evaluation	evaluation	NOUN
ejh-1142	128	14	in	in	ADP
ejh-1142	128	15	order	order	NOUN
ejh-1142	128	16	to	to	PART
ejh-1142	128	17	determine	determine	VERB
ejh-1142	128	18	how	how	SCONJ
ejh-1142	128	19	successfully	successfully	ADV
ejh-1142	128	20	they	they	PRON
ejh-1142	128	21	have	have	AUX
ejh-1142	128	22	implemented	implement	VERB
ejh-1142	128	23	their	their	PRON
ejh-1142	128	24	various	various	ADJ
ejh-1142	128	25	capacity	capacity	NOUN
ejh-1142	128	26	building	building	NOUN
ejh-1142	128	27	strategies	strategy	NOUN
ejh-1142	128	28	.	.	PUNCT
ejh-1142	129	1	this	this	PRON
ejh-1142	129	2	is	be	AUX
ejh-1142	129	3	essential	essential	ADJ
ejh-1142	129	4	due	due	ADP
ejh-1142	129	5	to	to	ADP
ejh-1142	129	6	the	the	DET
ejh-1142	129	7	fact	fact	NOUN
ejh-1142	129	8	that	that	SCONJ
ejh-1142	129	9	the	the	DET
ejh-1142	129	10	business	business	NOUN
ejh-1142	129	11	environment	environment	NOUN
ejh-1142	129	12	in	in	ADP
ejh-1142	129	13	which	which	PRON
ejh-1142	129	14	insurance	insurance	NOUN
ejh-1142	129	15	companies	company	NOUN
ejh-1142	129	16	operate	operate	VERB
ejh-1142	129	17	is	be	AUX
ejh-1142	129	18	quite	quite	ADV
ejh-1142	129	19	fluid	fluid	ADJ
ejh-1142	129	20	and	and	CCONJ
ejh-1142	129	21	is	be	AUX
ejh-1142	129	22	heavily	heavily	ADV
ejh-1142	129	23	influenced	influence	VERB
ejh-1142	129	24	by	by	ADP
ejh-1142	129	25	a	a	DET
ejh-1142	129	26	diverse	diverse	ADJ
ejh-1142	129	27	set	set	NOUN
ejh-1142	129	28	of	of	ADP
ejh-1142	129	29	circumstances	circumstance	NOUN
ejh-1142	129	30	.	.	PUNCT
ejh-1142	130	1	file:///c:/users	file:///c:/user	NOUN
ejh-1142	130	2	/	/	SYM
ejh-1142	130	3	hp	hp	PROPN
ejh-1142	130	4	/	/	SYM
ejh-1142	130	5	desktop	desktop	NOUN
ejh-1142	130	6	/	/	SYM
ejh-1142	130	7	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	130	8	/	/	SYM
ejh-1142	130	9	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	130	10	/	/	SYM
ejh-1142	130	11	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	130	12	american	american	ADJ
ejh-1142	130	13	journal	journal	NOUN
ejh-1142	130	14	of	of	ADP
ejh-1142	130	15	human	human	ADJ
ejh-1142	130	16	resource	resource	NOUN
ejh-1142	130	17	issn	issn	PROPN
ejh-1142	130	18	2520	2520	NUM
ejh-1142	130	19	-	-	SYM
ejh-1142	130	20	4697	4697	NUM
ejh-1142	130	21	(	(	PUNCT
ejh-1142	130	22	online	online	ADJ
ejh-1142	130	23	)	)	PUNCT
ejh-1142	130	24	vol.6	vol.6	PROPN
ejh-1142	130	25	,	,	PUNCT
ejh-1142	130	26	issue	issue	NOUN
ejh-1142	130	27	1	1	NUM
ejh-1142	130	28	,	,	PUNCT
ejh-1142	130	29	pp	pp	ADV
ejh-1142	130	30	80	80	NUM
ejh-1142	130	31	87	87	NUM
ejh-1142	130	32	,	,	PUNCT
ejh-1142	130	33	2022	2022	NUM
ejh-1142	130	34	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	130	35	87	87	NUM
ejh-1142	130	36	references	reference	NOUN
ejh-1142	130	37	adkins	adkin	NOUN
ejh-1142	130	38	,	,	PUNCT
ejh-1142	130	39	b.	b.	PROPN
ejh-1142	130	40	(	(	PUNCT
ejh-1142	130	41	2017	2017	NUM
ejh-1142	130	42	)	)	PUNCT
ejh-1142	130	43	.	.	PUNCT
ejh-1142	131	1	the	the	DET
ejh-1142	131	2	role	role	NOUN
ejh-1142	131	3	of	of	ADP
ejh-1142	131	4	social	social	ADJ
ejh-1142	131	5	capital	capital	NOUN
ejh-1142	131	6	in	in	ADP
ejh-1142	131	7	the	the	DET
ejh-1142	131	8	processes	process	NOUN
ejh-1142	131	9	and	and	CCONJ
ejh-1142	131	10	outcomes	outcome	NOUN
ejh-1142	131	11	of	of	ADP
ejh-1142	131	12	the	the	DET
ejh-1142	131	13	information	information	NOUN
ejh-1142	131	14	,	,	PUNCT
ejh-1142	131	15	capacity	capacity	NOUN
ejh-1142	131	16	building	building	NOUN
ejh-1142	131	17	and	and	CCONJ
ejh-1142	131	18	linking	link	VERB
ejh-1142	131	19	program	program	NOUN
ejh-1142	131	20	under	under	ADP
ejh-1142	131	21	the	the	DET
ejh-1142	131	22	national	national	ADJ
ejh-1142	131	23	disability	disability	NOUN
ejh-1142	131	24	insurance	insurance	NOUN
ejh-1142	131	25	scheme	scheme	NOUN
ejh-1142	131	26	.	.	PUNCT
ejh-1142	132	1	aparcana	aparcana	PROPN
ejh-1142	132	2	,	,	PUNCT
ejh-1142	132	3	s.	s.	PROPN
ejh-1142	132	4	(	(	PUNCT
ejh-1142	132	5	2017	2017	NUM
ejh-1142	132	6	)	)	PUNCT
ejh-1142	132	7	.	.	PUNCT
ejh-1142	133	1	approaches	approach	NOUN
ejh-1142	133	2	to	to	ADP
ejh-1142	133	3	formalization	formalization	NOUN
ejh-1142	133	4	of	of	ADP
ejh-1142	133	5	the	the	DET
ejh-1142	133	6	informal	informal	ADJ
ejh-1142	133	7	waste	waste	NOUN
ejh-1142	133	8	sector	sector	NOUN
ejh-1142	133	9	into	into	ADP
ejh-1142	133	10	municipal	municipal	ADJ
ejh-1142	133	11	solid	solid	ADJ
ejh-1142	133	12	waste	waste	NOUN
ejh-1142	133	13	management	management	NOUN
ejh-1142	133	14	systems	system	NOUN
ejh-1142	133	15	in	in	ADP
ejh-1142	133	16	low	low	ADJ
ejh-1142	133	17	-	-	PUNCT
ejh-1142	133	18	and	and	CCONJ
ejh-1142	133	19	middle	middle	ADJ
ejh-1142	133	20	-	-	PUNCT
ejh-1142	133	21	income	income	NOUN
ejh-1142	133	22	countries	country	NOUN
ejh-1142	133	23	:	:	PUNCT
ejh-1142	133	24	review	review	NOUN
ejh-1142	133	25	of	of	ADP
ejh-1142	133	26	barriers	barrier	NOUN
ejh-1142	133	27	and	and	CCONJ
ejh-1142	133	28	success	success	NOUN
ejh-1142	133	29	factors	factor	NOUN
ejh-1142	133	30	.	.	PUNCT
ejh-1142	134	1	waste	waste	NOUN
ejh-1142	134	2	management	management	NOUN
ejh-1142	134	3	,	,	PUNCT
ejh-1142	134	4	61	61	NUM
ejh-1142	134	5	,	,	PUNCT
ejh-1142	134	6	593	593	NUM
ejh-1142	134	7	-	-	SYM
ejh-1142	134	8	607	607	NUM
ejh-1142	134	9	.	.	PUNCT
ejh-1142	135	1	eling	eling	PROPN
ejh-1142	135	2	,	,	PUNCT
ejh-1142	135	3	m.	m.	NOUN
ejh-1142	135	4	,	,	PUNCT
ejh-1142	135	5	&	&	CCONJ
ejh-1142	135	6	luhnen	luhnen	NOUN
ejh-1142	135	7	,	,	PUNCT
ejh-1142	135	8	m.	m.	NOUN
ejh-1142	135	9	(	(	PUNCT
ejh-1142	135	10	2020	2020	NUM
ejh-1142	135	11	)	)	PUNCT
ejh-1142	135	12	.	.	PUNCT
ejh-1142	136	1	frontier	frontier	NOUN
ejh-1142	136	2	efficiency	efficiency	NOUN
ejh-1142	136	3	methodologies	methodology	NOUN
ejh-1142	136	4	to	to	PART
ejh-1142	136	5	measure	measure	VERB
ejh-1142	136	6	performance	performance	NOUN
ejh-1142	136	7	in	in	ADP
ejh-1142	136	8	the	the	DET
ejh-1142	136	9	insurance	insurance	NOUN
ejh-1142	136	10	industry	industry	NOUN
ejh-1142	136	11	:	:	PUNCT
ejh-1142	136	12	overview	overview	NOUN
ejh-1142	136	13	,	,	PUNCT
ejh-1142	136	14	systematization	systematization	NOUN
ejh-1142	136	15	,	,	PUNCT
ejh-1142	136	16	and	and	CCONJ
ejh-1142	136	17	recent	recent	ADJ
ejh-1142	136	18	developments	development	NOUN
ejh-1142	136	19	.	.	PUNCT
ejh-1142	137	1	the	the	DET
ejh-1142	137	2	geneva	geneva	PROPN
ejh-1142	137	3	papers	paper	NOUN
ejh-1142	137	4	on	on	ADP
ejh-1142	137	5	risk	risk	NOUN
ejh-1142	137	6	and	and	CCONJ
ejh-1142	137	7	insurance	insurance	NOUN
ejh-1142	137	8	-	-	PUNCT
ejh-1142	137	9	issues	issue	NOUN
ejh-1142	137	10	and	and	CCONJ
ejh-1142	137	11	practice	practice	NOUN
ejh-1142	137	12	,	,	PUNCT
ejh-1142	137	13	35(2	35(2	NUM
ejh-1142	137	14	)	)	PUNCT
ejh-1142	137	15	,	,	PUNCT
ejh-1142	137	16	217	217	NUM
ejh-1142	137	17	-	-	SYM
ejh-1142	137	18	265	265	NUM
ejh-1142	137	19	.	.	PUNCT
ejh-1142	138	1	fisher	fisher	PROPN
ejh-1142	138	2	,	,	PUNCT
ejh-1142	138	3	s.	s.	PROPN
ejh-1142	138	4	,	,	PUNCT
ejh-1142	138	5	&	&	CCONJ
ejh-1142	138	6	surminski	surminski	PROPN
ejh-1142	138	7	,	,	PUNCT
ejh-1142	138	8	s.	s.	PROPN
ejh-1142	138	9	(	(	PUNCT
ejh-1142	138	10	2022	2022	NUM
ejh-1142	138	11	)	)	PUNCT
ejh-1142	138	12	.	.	PUNCT
ejh-1142	139	1	the	the	DET
ejh-1142	139	2	roles	role	NOUN
ejh-1142	139	3	of	of	ADP
ejh-1142	139	4	public	public	ADJ
ejh-1142	139	5	and	and	CCONJ
ejh-1142	139	6	private	private	ADJ
ejh-1142	139	7	actors	actor	NOUN
ejh-1142	139	8	in	in	ADP
ejh-1142	139	9	the	the	DET
ejh-1142	139	10	governance	governance	NOUN
ejh-1142	139	11	of	of	ADP
ejh-1142	139	12	adaptation	adaptation	NOUN
ejh-1142	139	13	:	:	PUNCT
ejh-1142	139	14	the	the	DET
ejh-1142	139	15	case	case	NOUN
ejh-1142	139	16	of	of	ADP
ejh-1142	139	17	agricultural	agricultural	ADJ
ejh-1142	139	18	insurance	insurance	NOUN
ejh-1142	139	19	in	in	ADP
ejh-1142	139	20	india	india	PROPN
ejh-1142	139	21	.	.	PUNCT
ejh-1142	140	1	garrison	garrison	PROPN
ejh-1142	140	2	jr	jr	PROPN
ejh-1142	140	3	,	,	PUNCT
ejh-1142	140	4	l.	l.	PROPN
ejh-1142	140	5	p.	p.	PROPN
ejh-1142	140	6	,	,	PUNCT
ejh-1142	140	7	kamal	kamal	PROPN
ejh-1142	140	8	-	-	PUNCT
ejh-1142	140	9	bahl	bahl	PROPN
ejh-1142	140	10	,	,	PUNCT
ejh-1142	140	11	s.	s.	PROPN
ejh-1142	140	12	,	,	PUNCT
ejh-1142	140	13	&	&	CCONJ
ejh-1142	140	14	towse	towse	VERB
ejh-1142	140	15	,	,	PUNCT
ejh-1142	140	16	a.	a.	NOUN
ejh-1142	140	17	(	(	PUNCT
ejh-1142	140	18	2017	2017	NUM
ejh-1142	140	19	)	)	PUNCT
ejh-1142	140	20	.	.	PUNCT
ejh-1142	141	1	toward	toward	ADP
ejh-1142	141	2	a	a	DET
ejh-1142	141	3	broader	broad	ADJ
ejh-1142	141	4	concept	concept	NOUN
ejh-1142	141	5	of	of	ADP
ejh-1142	141	6	value	value	NOUN
ejh-1142	141	7	:	:	PUNCT
ejh-1142	141	8	identifying	identify	VERB
ejh-1142	141	9	and	and	CCONJ
ejh-1142	141	10	defining	define	VERB
ejh-1142	141	11	elements	element	NOUN
ejh-1142	141	12	for	for	ADP
ejh-1142	141	13	an	an	DET
ejh-1142	141	14	expanded	expand	VERB
ejh-1142	141	15	cost	cost	NOUN
ejh-1142	141	16	-	-	PUNCT
ejh-1142	141	17	effectiveness	effectiveness	NOUN
ejh-1142	141	18	analysis	analysis	NOUN
ejh-1142	141	19	.	.	PUNCT
ejh-1142	142	1	value	value	NOUN
ejh-1142	142	2	in	in	ADP
ejh-1142	142	3	health	health	NOUN
ejh-1142	142	4	,	,	PUNCT
ejh-1142	142	5	20(2	20(2	NUM
ejh-1142	142	6	)	)	PUNCT
ejh-1142	142	7	,	,	PUNCT
ejh-1142	142	8	213	213	NUM
ejh-1142	142	9	-	-	SYM
ejh-1142	142	10	216	216	NUM
ejh-1142	142	11	.	.	PUNCT
ejh-1142	143	1	gituma	gituma	ADJ
ejh-1142	143	2	,	,	PUNCT
ejh-1142	143	3	m.	m.	NOUN
ejh-1142	143	4	,	,	PUNCT
ejh-1142	143	5	&	&	CCONJ
ejh-1142	143	6	beyene	beyene	PROPN
ejh-1142	143	7	,	,	PUNCT
ejh-1142	143	8	t.	t.	PROPN
ejh-1142	143	9	(	(	PUNCT
ejh-1142	143	10	2018	2018	NUM
ejh-1142	143	11	)	)	PUNCT
ejh-1142	143	12	.	.	PUNCT
ejh-1142	144	1	strategic	strategic	ADJ
ejh-1142	144	2	human	human	ADJ
ejh-1142	144	3	resource	resource	NOUN
ejh-1142	144	4	management	management	NOUN
ejh-1142	144	5	practices	practice	NOUN
ejh-1142	144	6	and	and	CCONJ
ejh-1142	144	7	organizational	organizational	ADJ
ejh-1142	144	8	performance	performance	NOUN
ejh-1142	144	9	:	:	PUNCT
ejh-1142	144	10	a	a	DET
ejh-1142	144	11	case	case	NOUN
ejh-1142	144	12	of	of	ADP
ejh-1142	144	13	national	national	ADJ
ejh-1142	144	14	insurance	insurance	NOUN
ejh-1142	144	15	corporation	corporation	NOUN
ejh-1142	144	16	of	of	ADP
ejh-1142	144	17	eritrea	eritrea	PROPN
ejh-1142	144	18	(	(	PUNCT
ejh-1142	144	19	nice	nice	ADJ
ejh-1142	144	20	)	)	PUNCT
ejh-1142	144	21	.	.	PUNCT
ejh-1142	145	1	global	global	ADJ
ejh-1142	145	2	journal	journal	PROPN
ejh-1142	145	3	of	of	ADP
ejh-1142	145	4	management	management	NOUN
ejh-1142	145	5	and	and	CCONJ
ejh-1142	145	6	business	business	NOUN
ejh-1142	145	7	research	research	NOUN
ejh-1142	145	8	.	.	PUNCT
ejh-1142	146	1	heenkenda	heenkenda	PROPN
ejh-1142	146	2	,	,	PUNCT
ejh-1142	146	3	s.	s.	PROPN
ejh-1142	146	4	(	(	PUNCT
ejh-1142	146	5	2018	2018	NUM
ejh-1142	146	6	)	)	PUNCT
ejh-1142	146	7	.	.	PUNCT
ejh-1142	147	1	inclusive	inclusive	ADJ
ejh-1142	147	2	insurance	insurance	NOUN
ejh-1142	147	3	sector	sector	NOUN
ejh-1142	147	4	:	:	PUNCT
ejh-1142	147	5	an	an	DET
ejh-1142	147	6	innovative	innovative	ADJ
ejh-1142	147	7	business	business	NOUN
ejh-1142	147	8	model	model	NOUN
ejh-1142	147	9	for	for	ADP
ejh-1142	147	10	microinsurance	microinsurance	ADJ
ejh-1142	147	11	delivery	delivery	NOUN
ejh-1142	147	12	in	in	ADP
ejh-1142	147	13	sri	sri	PROPN
ejh-1142	147	14	lanka	lanka	PROPN
ejh-1142	147	15	.	.	PUNCT
ejh-1142	148	1	ibarra	ibarra	PROPN
ejh-1142	148	2	,	,	PUNCT
ejh-1142	148	3	h.	h.	PROPN
ejh-1142	148	4	,	,	PUNCT
ejh-1142	148	5	&	&	CCONJ
ejh-1142	148	6	securities	securities	PROPN
ejh-1142	148	7	,	,	PUNCT
ejh-1142	148	8	i.	i.	PROPN
ejh-1142	148	9	l.	l.	PROPN
ejh-1142	148	10	(	(	PUNCT
ejh-1142	148	11	2020	2020	NUM
ejh-1142	148	12	)	)	PUNCT
ejh-1142	148	13	.	.	PUNCT
ejh-1142	149	1	parametric	parametric	ADJ
ejh-1142	149	2	insurance	insurance	PROPN
ejh-1142	149	3	:	:	PUNCT
ejh-1142	149	4	general	general	ADJ
ejh-1142	149	5	market	market	NOUN
ejh-1142	149	6	trends	trend	NOUN
ejh-1142	149	7	and	and	CCONJ
ejh-1142	149	8	perspectives	perspective	NOUN
ejh-1142	149	9	for	for	ADP
ejh-1142	149	10	the	the	DET
ejh-1142	149	11	african	african	ADJ
ejh-1142	149	12	insurance	insurance	NOUN
ejh-1142	149	13	sector	sector	NOUN
ejh-1142	149	14	.	.	PUNCT
ejh-1142	150	1	insurance	insurance	NOUN
ejh-1142	150	2	linked	link	VERB
ejh-1142	150	3	securities	security	NOUN
ejh-1142	150	4	.	.	PUNCT
ejh-1142	151	1	partnerre	partnerre	PROPN
ejh-1142	151	2	new	new	PROPN
ejh-1142	151	3	solutions	solutions	PROPN
ejh-1142	151	4	inc	inc	PROPN
ejh-1142	151	5	.	.	PROPN
ejh-1142	151	6	lopez	lopez	PROPN
ejh-1142	151	7	-	-	PUNCT
ejh-1142	151	8	gunn	gunn	PROPN
ejh-1142	151	9	,	,	PUNCT
ejh-1142	151	10	e.	e.	PROPN
ejh-1142	151	11	,	,	PUNCT
ejh-1142	151	12	altamirano	altamirano	PROPN
ejh-1142	151	13	,	,	PUNCT
ejh-1142	151	14	m.	m.	NOUN
ejh-1142	151	15	a.	a.	PROPN
ejh-1142	151	16	,	,	PUNCT
ejh-1142	151	17	ebeltoft	ebeltoft	ADV
ejh-1142	151	18	,	,	PUNCT
ejh-1142	151	19	m.	m.	NOUN
ejh-1142	151	20	,	,	PUNCT
ejh-1142	151	21	graveline	graveline	NOUN
ejh-1142	151	22	,	,	PUNCT
ejh-1142	151	23	n.	n.	NOUN
ejh-1142	151	24	,	,	PUNCT
ejh-1142	151	25	marchal	marchal	NOUN
ejh-1142	151	26	,	,	PUNCT
ejh-1142	151	27	r.	r.	PROPN
ejh-1142	151	28	,	,	PUNCT
ejh-1142	151	29	moncoulon	moncoulon	PROPN
ejh-1142	151	30	,	,	PUNCT
ejh-1142	151	31	d.	d.	PROPN
ejh-1142	151	32	,	,	PUNCT
ejh-1142	151	33	...	...	PUNCT
ejh-1142	151	34	&	&	CCONJ
ejh-1142	151	35	cassin	cassin	PROPN
ejh-1142	151	36	,	,	PUNCT
ejh-1142	151	37	j.	j.	PROPN
ejh-1142	151	38	(	(	PUNCT
ejh-1142	151	39	2021	2021	NUM
ejh-1142	151	40	)	)	PUNCT
ejh-1142	151	41	.	.	PUNCT
ejh-1142	152	1	mainstreaming	mainstreame	VERB
ejh-1142	152	2	nature	nature	NOUN
ejh-1142	152	3	-	-	PUNCT
ejh-1142	152	4	based	base	VERB
ejh-1142	152	5	solutions	solution	NOUN
ejh-1142	152	6	through	through	ADP
ejh-1142	152	7	insurance	insurance	NOUN
ejh-1142	152	8	:	:	PUNCT
ejh-1142	152	9	the	the	DET
ejh-1142	152	10	five	five	NUM
ejh-1142	152	11	“	"	PUNCT
ejh-1142	152	12	hats	hat	NOUN
ejh-1142	152	13	”	"	PUNCT
ejh-1142	152	14	of	of	ADP
ejh-1142	152	15	the	the	DET
ejh-1142	152	16	insurance	insurance	NOUN
ejh-1142	152	17	sector	sector	NOUN
ejh-1142	152	18	.	.	PUNCT
ejh-1142	153	1	in	in	ADP
ejh-1142	153	2	nature	nature	NOUN
ejh-1142	153	3	-	-	PUNCT
ejh-1142	153	4	based	base	VERB
ejh-1142	153	5	solutions	solution	NOUN
ejh-1142	153	6	and	and	CCONJ
ejh-1142	153	7	water	water	NOUN
ejh-1142	153	8	security	security	NOUN
ejh-1142	153	9	(	(	PUNCT
ejh-1142	153	10	pp	pp	ADJ
ejh-1142	153	11	.	.	PUNCT
ejh-1142	153	12	401422	401422	NUM
ejh-1142	153	13	)	)	PUNCT
ejh-1142	153	14	.	.	PUNCT
ejh-1142	154	1	elsevier	elsevier	PROPN
ejh-1142	154	2	.	.	PUNCT
ejh-1142	155	1	mazviona	mazviona	PROPN
ejh-1142	155	2	,	,	PUNCT
ejh-1142	155	3	b.	b.	PROPN
ejh-1142	155	4	w.	w.	PROPN
ejh-1142	155	5	,	,	PUNCT
ejh-1142	155	6	dube	dube	PROPN
ejh-1142	155	7	,	,	PUNCT
ejh-1142	155	8	m.	m.	NOUN
ejh-1142	155	9	,	,	PUNCT
ejh-1142	155	10	&	&	CCONJ
ejh-1142	155	11	sakahuhwa	sakahuhwa	PROPN
ejh-1142	155	12	,	,	PUNCT
ejh-1142	155	13	t.	t.	PROPN
ejh-1142	155	14	(	(	PUNCT
ejh-1142	155	15	2017	2017	NUM
ejh-1142	155	16	)	)	PUNCT
ejh-1142	155	17	.	.	PUNCT
ejh-1142	156	1	an	an	DET
ejh-1142	156	2	analysis	analysis	NOUN
ejh-1142	156	3	of	of	ADP
ejh-1142	156	4	factors	factor	NOUN
ejh-1142	156	5	affecting	affect	VERB
ejh-1142	156	6	the	the	DET
ejh-1142	156	7	performance	performance	NOUN
ejh-1142	156	8	of	of	ADP
ejh-1142	156	9	insurance	insurance	NOUN
ejh-1142	156	10	companies	company	NOUN
ejh-1142	156	11	in	in	ADP
ejh-1142	156	12	zimbabwe	zimbabwe	PROPN
ejh-1142	156	13	.	.	PUNCT
ejh-1142	157	1	journal	journal	PROPN
ejh-1142	157	2	of	of	ADP
ejh-1142	157	3	finance	finance	NOUN
ejh-1142	157	4	and	and	CCONJ
ejh-1142	157	5	investment	investment	NOUN
ejh-1142	157	6	analysis	analysis	NOUN
ejh-1142	157	7	,	,	PUNCT
ejh-1142	157	8	6(1	6(1	NUM
ejh-1142	157	9	)	)	PUNCT
ejh-1142	157	10	,	,	PUNCT
ejh-1142	157	11	11	11	NUM
ejh-1142	157	12	-	-	SYM
ejh-1142	157	13	30	30	NUM
ejh-1142	157	14	.	.	PUNCT
ejh-1142	158	1	murigu	murigu	PROPN
ejh-1142	158	2	,	,	PUNCT
ejh-1142	158	3	j.	j.	PROPN
ejh-1142	158	4	w.	w.	PROPN
ejh-1142	158	5	(	(	PUNCT
ejh-1142	158	6	2018	2018	NUM
ejh-1142	158	7	)	)	PUNCT
ejh-1142	158	8	.	.	PUNCT
ejh-1142	159	1	the	the	DET
ejh-1142	159	2	determinants	determinant	NOUN
ejh-1142	159	3	of	of	ADP
ejh-1142	159	4	financial	financial	ADJ
ejh-1142	159	5	performance	performance	NOUN
ejh-1142	159	6	in	in	ADP
ejh-1142	159	7	general	general	ADJ
ejh-1142	159	8	insurance	insurance	NOUN
ejh-1142	159	9	companies	company	NOUN
ejh-1142	159	10	in	in	ADP
ejh-1142	159	11	kenya	kenya	PROPN
ejh-1142	159	12	(	(	PUNCT
ejh-1142	159	13	doctoral	doctoral	ADJ
ejh-1142	159	14	dissertation	dissertation	NOUN
ejh-1142	159	15	,	,	PUNCT
ejh-1142	159	16	university	university	NOUN
ejh-1142	159	17	of	of	ADP
ejh-1142	159	18	nairobi	nairobi	PROPN
ejh-1142	159	19	)	)	PUNCT
ejh-1142	159	20	.	.	PUNCT
ejh-1142	160	1	surminski	surminski	PROPN
ejh-1142	160	2	,	,	PUNCT
ejh-1142	160	3	s.	s.	PROPN
ejh-1142	160	4	,	,	PUNCT
ejh-1142	160	5	&	&	CCONJ
ejh-1142	160	6	oramas	oramas	PROPN
ejh-1142	160	7	-	-	PUNCT
ejh-1142	160	8	dorta	dorta	PROPN
ejh-1142	160	9	,	,	PUNCT
ejh-1142	160	10	d.	d.	PROPN
ejh-1142	160	11	(	(	PUNCT
ejh-1142	160	12	2018	2018	NUM
ejh-1142	160	13	)	)	PUNCT
ejh-1142	160	14	.	.	PUNCT
ejh-1142	161	1	flood	flood	NOUN
ejh-1142	161	2	insurance	insurance	NOUN
ejh-1142	161	3	schemes	scheme	NOUN
ejh-1142	161	4	and	and	CCONJ
ejh-1142	161	5	climate	climate	NOUN
ejh-1142	161	6	adaptation	adaptation	NOUN
ejh-1142	161	7	in	in	ADP
ejh-1142	161	8	developing	develop	VERB
ejh-1142	161	9	countries	country	NOUN
ejh-1142	161	10	.	.	PUNCT
ejh-1142	162	1	international	international	ADJ
ejh-1142	162	2	journal	journal	NOUN
ejh-1142	162	3	of	of	ADP
ejh-1142	162	4	disaster	disaster	NOUN
ejh-1142	162	5	risk	risk	NOUN
ejh-1142	162	6	reduction	reduction	NOUN
ejh-1142	162	7	,	,	PUNCT
ejh-1142	162	8	7	7	NUM
ejh-1142	162	9	,	,	PUNCT
ejh-1142	162	10	154	154	NUM
ejh-1142	162	11	-	-	SYM
ejh-1142	162	12	164	164	NUM
ejh-1142	162	13	.	.	PUNCT
ejh-1142	163	1	tangcharoensathien	tangcharoensathien	NOUN
ejh-1142	163	2	,	,	PUNCT
ejh-1142	163	3	v.	v.	PROPN
ejh-1142	163	4	,	,	PUNCT
ejh-1142	163	5	thwin	thwin	PROPN
ejh-1142	163	6	,	,	PUNCT
ejh-1142	163	7	a.	a.	NOUN
ejh-1142	163	8	a.	a.	PROPN
ejh-1142	163	9	,	,	PUNCT
ejh-1142	163	10	&	&	CCONJ
ejh-1142	163	11	patcharanarumol	patcharanarumol	PROPN
ejh-1142	163	12	,	,	PUNCT
ejh-1142	163	13	w.	w.	NOUN
ejh-1142	163	14	(	(	PUNCT
ejh-1142	163	15	2017	2017	NUM
ejh-1142	163	16	)	)	PUNCT
ejh-1142	163	17	.	.	PUNCT
ejh-1142	164	1	implementing	implement	VERB
ejh-1142	164	2	health	health	NOUN
ejh-1142	164	3	insurance	insurance	NOUN
ejh-1142	164	4	for	for	ADP
ejh-1142	164	5	migrants	migrant	NOUN
ejh-1142	164	6	,	,	PUNCT
ejh-1142	164	7	thailand	thailand	PROPN
ejh-1142	164	8	.	.	PUNCT
ejh-1142	164	9	bulletin	bulletin	NOUN
ejh-1142	164	10	of	of	ADP
ejh-1142	164	11	the	the	DET
ejh-1142	164	12	world	world	PROPN
ejh-1142	164	13	health	health	PROPN
ejh-1142	164	14	organization	organization	NOUN
ejh-1142	164	15	,	,	PUNCT
ejh-1142	164	16	95(2	95(2	NOUN
ejh-1142	164	17	)	)	PUNCT
ejh-1142	164	18	,	,	PUNCT
ejh-1142	165	1	146	146	NUM
ejh-1142	165	2	.	.	PUNCT
ejh-1142	165	3	tax	tax	NOUN
ejh-1142	165	4	,	,	PUNCT
ejh-1142	165	5	p.	p.	NOUN
ejh-1142	165	6	i.	i.	PROPN
ejh-1142	165	7	(	(	PUNCT
ejh-1142	165	8	2020	2020	NUM
ejh-1142	165	9	)	)	PUNCT
ejh-1142	165	10	.	.	PUNCT
ejh-1142	166	1	medium	medium	ADJ
ejh-1142	166	2	term	term	NOUN
ejh-1142	166	3	strategy	strategy	NOUN
ejh-1142	166	4	plan	plan	NOUN
ejh-1142	166	5	on	on	ADP
ejh-1142	166	6	insurance	insurance	NOUN
ejh-1142	166	7	sector	sector	NOUN
ejh-1142	166	8	development	development	NOUN
ejh-1142	166	9	.	.	PUNCT
ejh-1142	167	1	policy	policy	NOUN
ejh-1142	167	2	,	,	PUNCT
ejh-1142	167	3	2010	2010	NUM
ejh-1142	167	4	,	,	PUNCT
ejh-1142	167	5	01	01	NUM
ejh-1142	167	6	.	.	PUNCT
ejh-1142	168	1	file:///c:/users	file:///c:/user	NOUN
ejh-1142	168	2	/	/	SYM
ejh-1142	168	3	hp	hp	PROPN
ejh-1142	168	4	/	/	SYM
ejh-1142	168	5	desktop	desktop	NOUN
ejh-1142	168	6	/	/	SYM
ejh-1142	168	7	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	168	8	/	/	SYM
ejh-1142	168	9	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	168	10	/	/	SYM
ejh-1142	168	11	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	168	12	american	american	ADJ
ejh-1142	168	13	journal	journal	NOUN
ejh-1142	168	14	of	of	ADP
ejh-1142	168	15	human	human	ADJ
ejh-1142	168	16	resource	resource	NOUN
ejh-1142	168	17	issn	issn	PROPN
ejh-1142	168	18	2520	2520	NUM
ejh-1142	168	19	-	-	SYM
ejh-1142	168	20	4697	4697	NUM
ejh-1142	168	21	(	(	PUNCT
ejh-1142	168	22	online	online	ADJ
ejh-1142	168	23	)	)	PUNCT
ejh-1142	168	24	vol.6	vol.6	PROPN
ejh-1142	168	25	,	,	PUNCT
ejh-1142	168	26	issue	issue	NOUN
ejh-1142	168	27	1	1	NUM
ejh-1142	168	28	,	,	PUNCT
ejh-1142	168	29	pp	pp	ADV
ejh-1142	168	30	80	80	NUM
ejh-1142	168	31	87	87	NUM
ejh-1142	168	32	,	,	PUNCT
ejh-1142	168	33	2022	2022	NUM
ejh-1142	168	34	www.ajpojournals.org	www.ajpojournals.org	NOUN
ejh-1142	168	35	88	88	NUM
ejh-1142	168	36	zelizer	zelizer	NOUN
ejh-1142	168	37	,	,	PUNCT
ejh-1142	168	38	v.	v.	ADP
ejh-1142	168	39	a.	a.	PROPN
ejh-1142	168	40	r.	r.	PROPN
ejh-1142	168	41	(	(	PUNCT
ejh-1142	168	42	2017	2017	NUM
ejh-1142	168	43	)	)	PUNCT
ejh-1142	168	44	.	.	PUNCT
ejh-1142	169	1	morals	moral	NOUN
ejh-1142	169	2	and	and	CCONJ
ejh-1142	169	3	markets	market	NOUN
ejh-1142	169	4	:	:	PUNCT
ejh-1142	169	5	the	the	DET
ejh-1142	169	6	development	development	NOUN
ejh-1142	169	7	of	of	ADP
ejh-1142	169	8	life	life	NOUN
ejh-1142	169	9	insurance	insurance	NOUN
ejh-1142	169	10	in	in	ADP
ejh-1142	169	11	the	the	DET
ejh-1142	169	12	united	united	PROPN
ejh-1142	169	13	states	states	PROPN
ejh-1142	169	14	.	.	PUNCT
ejh-1142	170	1	columbia	columbia	PROPN
ejh-1142	170	2	university	university	PROPN
ejh-1142	170	3	press	press	NOUN
ejh-1142	170	4	.	.	PUNCT
ejh-1142	171	1	file:///c:/users	file:///c:/user	NOUN
ejh-1142	171	2	/	/	SYM
ejh-1142	171	3	hp	hp	PROPN
ejh-1142	171	4	/	/	SYM
ejh-1142	171	5	desktop	desktop	NOUN
ejh-1142	171	6	/	/	SYM
ejh-1142	171	7	new%20ajpo%20journals	new%20ajpo%20journal	NOUN
ejh-1142	171	8	/	/	SYM
ejh-1142	171	9	american%20journal%20of%20finance	american%20journal%20of%20finance	NOUN
ejh-1142	171	10	/	/	SYM
ejh-1142	171	11	www.ajpojournals.org	www.ajpojournals.org	NOUN