id	sid	tid	token	lemma	pos
fueconorg-13371	1	1	13371	13371	NUM
fueconorg-13371	1	2	facta	facta	PROPN
fueconorg-13371	1	3	universitatis	universitatis	PROPN
fueconorg-13371	1	4	series	series	NOUN
fueconorg-13371	1	5	:	:	PUNCT
fueconorg-13371	1	6	economics	economic	NOUN
fueconorg-13371	1	7	and	and	CCONJ
fueconorg-13371	1	8	organization	organization	NOUN
fueconorg-13371	1	9	vol	vol	NOUN
fueconorg-13371	1	10	.	.	PROPN
fueconorg-13371	1	11	22	22	NUM
fueconorg-13371	1	12	,	,	PUNCT
fueconorg-13371	1	13	no	no	DET
fueconorg-13371	1	14	2	2	NUM
fueconorg-13371	1	15	,	,	PUNCT
fueconorg-13371	1	16	2025	2025	NUM
fueconorg-13371	1	17	,	,	PUNCT
fueconorg-13371	1	18	pp	pp	ADV
fueconorg-13371	1	19	.	.	PUNCT
fueconorg-13371	2	1	99	99	NUM
fueconorg-13371	2	2	119	119	NUM
fueconorg-13371	2	3	https://doi.org/10.22190/fueo250109007u	https://doi.org/10.22190/fueo250109007u	VERB
fueconorg-13371	2	4	©	©	PROPN
fueconorg-13371	2	5	2025	2025	NUM
fueconorg-13371	2	6	by	by	ADP
fueconorg-13371	2	7	university	university	PROPN
fueconorg-13371	2	8	of	of	ADP
fueconorg-13371	2	9	niš	niš	PROPN
fueconorg-13371	2	10	,	,	PUNCT
fueconorg-13371	2	11	serbia	serbia	PROPN
fueconorg-13371	2	12	|	|	ADV
fueconorg-13371	2	13	creative	creative	ADJ
fueconorg-13371	2	14	commons	common	NOUN
fueconorg-13371	2	15	licence	licence	NOUN
fueconorg-13371	2	16	:	:	PUNCT
fueconorg-13371	2	17	cc	cc	VERB
fueconorg-13371	2	18	by	by	ADP
fueconorg-13371	2	19	-	-	PUNCT
fueconorg-13371	2	20	nc	nc	VERB
fueconorg-13371	2	21	-	-	PUNCT
fueconorg-13371	2	22	nd	nd	ADV
fueconorg-13371	2	23	original	original	ADJ
fueconorg-13371	2	24	scientific	scientific	ADJ
fueconorg-13371	2	25	paper	paper	NOUN
fueconorg-13371	2	26	the	the	DET
fueconorg-13371	2	27	nigerian	nigerian	ADJ
fueconorg-13371	2	28	financial	financial	ADJ
fueconorg-13371	2	29	system	system	NOUN
fueconorg-13371	2	30	:	:	PUNCT
fueconorg-13371	2	31	the	the	DET
fueconorg-13371	2	32	nexus	nexus	NOUN
fueconorg-13371	2	33	between	between	ADP
fueconorg-13371	2	34	reinsurance	reinsurance	NOUN
fueconorg-13371	2	35	ceded	cede	VERB
fueconorg-13371	2	36	and	and	CCONJ
fueconorg-13371	2	37	equity	equity	NOUN
fueconorg-13371	2	38	financing	financing	NOUN
fueconorg-13371	2	39	in	in	ADP
fueconorg-13371	2	40	the	the	DET
fueconorg-13371	2	41	non	non	ADJ
fueconorg-13371	2	42	-	-	ADJ
fueconorg-13371	2	43	life	life	ADJ
fueconorg-13371	2	44	insurance	insurance	NOUN
fueconorg-13371	2	45	sector1	sector1	PROPN
fueconorg-13371	2	46	udc	udc	NOUN
fueconorg-13371	2	47	368.029:336(669	368.029:336(669	NOUN
fueconorg-13371	2	48	)	)	PUNCT
fueconorg-13371	2	49	mfon	mfon	PROPN
fueconorg-13371	2	50	sampson	sampson	PROPN
fueconorg-13371	2	51	ukpong1	ukpong1	PROPN
fueconorg-13371	2	52	,	,	PUNCT
fueconorg-13371	2	53	musa	musa	PROPN
fueconorg-13371	2	54	adebayo	adebayo	PROPN
fueconorg-13371	2	55	obalola2	obalola2	PROPN
fueconorg-13371	2	56	,	,	PUNCT
fueconorg-13371	2	57	ismaila	ismaila	NOUN
fueconorg-13371	2	58	adeleke2	adeleke2	VERB
fueconorg-13371	2	59	1university	1university	NUM
fueconorg-13371	2	60	of	of	ADP
fueconorg-13371	2	61	uyo	uyo	PROPN
fueconorg-13371	2	62	,	,	PUNCT
fueconorg-13371	2	63	department	department	NOUN
fueconorg-13371	2	64	of	of	ADP
fueconorg-13371	2	65	insurance	insurance	NOUN
fueconorg-13371	2	66	,	,	PUNCT
fueconorg-13371	2	67	uyo	uyo	PROPN
fueconorg-13371	2	68	,	,	PUNCT
fueconorg-13371	2	69	nigeria	nigeria	PROPN
fueconorg-13371	2	70	2university	2university	NUM
fueconorg-13371	2	71	of	of	ADP
fueconorg-13371	2	72	lagos	lago	NOUN
fueconorg-13371	2	73	,	,	PUNCT
fueconorg-13371	2	74	department	department	NOUN
fueconorg-13371	2	75	of	of	ADP
fueconorg-13371	2	76	actuarial	actuarial	ADJ
fueconorg-13371	2	77	science	science	NOUN
fueconorg-13371	2	78	and	and	CCONJ
fueconorg-13371	2	79	insurance	insurance	NOUN
fueconorg-13371	2	80	,	,	PUNCT
fueconorg-13371	2	81	lagos	lagos	NOUN
fueconorg-13371	2	82	state	state	NOUN
fueconorg-13371	2	83	nigeria	nigeria	PROPN
fueconorg-13371	2	84	orcid	orcid	PROPN
fueconorg-13371	2	85	ids	ids	PROPN
fueconorg-13371	2	86	:	:	PUNCT
fueconorg-13371	3	1	mfon	mfon	PROPN
fueconorg-13371	3	2	sampson	sampson	PROPN
fueconorg-13371	3	3	ukpong	ukpong	PROPN
fueconorg-13371	3	4	https://orcid.org/0000-0003-2223-0328	https://orcid.org/0000-0003-2223-0328	PROPN
fueconorg-13371	3	5	musa	musa	PROPN
fueconorg-13371	3	6	adebayo	adebayo	PROPN
fueconorg-13371	3	7	obalola	obalola	PROPN
fueconorg-13371	3	8	https://orcid.org/0009-0008-6213-9784	https://orcid.org/0009-0008-6213-9784	PROPN
fueconorg-13371	3	9	ismaila	ismaila	PROPN
fueconorg-13371	3	10	adeleke	adeleke	VERB
fueconorg-13371	3	11	https://orcid.org/0000-0001-8304-6159	https://orcid.org/0000-0001-8304-6159	PROPN
fueconorg-13371	3	12	abstract	abstract	NOUN
fueconorg-13371	3	13	.	.	PUNCT
fueconorg-13371	4	1	in	in	ADP
fueconorg-13371	4	2	an	an	DET
fueconorg-13371	4	3	era	era	NOUN
fueconorg-13371	4	4	marked	mark	VERB
fueconorg-13371	4	5	by	by	ADP
fueconorg-13371	4	6	increasing	increase	VERB
fueconorg-13371	4	7	regulatory	regulatory	ADJ
fueconorg-13371	4	8	scrutiny	scrutiny	NOUN
fueconorg-13371	4	9	and	and	CCONJ
fueconorg-13371	4	10	market	market	NOUN
fueconorg-13371	4	11	volatility	volatility	NOUN
fueconorg-13371	4	12	,	,	PUNCT
fueconorg-13371	4	13	insurers	insurer	NOUN
fueconorg-13371	4	14	’	'	PUNCT
fueconorg-13371	4	15	decisions	decision	NOUN
fueconorg-13371	4	16	regarding	regard	VERB
fueconorg-13371	4	17	capital	capital	NOUN
fueconorg-13371	4	18	acquisition	acquisition	NOUN
fueconorg-13371	4	19	and	and	CCONJ
fueconorg-13371	4	20	reinsurance	reinsurance	NOUN
fueconorg-13371	4	21	utilization	utilization	NOUN
fueconorg-13371	4	22	are	be	AUX
fueconorg-13371	4	23	paramount	paramount	ADJ
fueconorg-13371	4	24	to	to	ADP
fueconorg-13371	4	25	their	their	PRON
fueconorg-13371	4	26	ability	ability	NOUN
fueconorg-13371	4	27	to	to	PART
fueconorg-13371	4	28	thrive	thrive	VERB
fueconorg-13371	4	29	,	,	PUNCT
fueconorg-13371	4	30	adapt	adapt	VERB
fueconorg-13371	4	31	,	,	PUNCT
fueconorg-13371	4	32	safeguard	safeguard	NOUN
fueconorg-13371	4	33	policyholders	policyholder	NOUN
fueconorg-13371	4	34	’	'	PUNCT
fueconorg-13371	4	35	interests	interest	NOUN
fueconorg-13371	4	36	and	and	CCONJ
fueconorg-13371	4	37	maintain	maintain	VERB
fueconorg-13371	4	38	a	a	DET
fueconorg-13371	4	39	margin	margin	NOUN
fueconorg-13371	4	40	of	of	ADP
fueconorg-13371	4	41	profit	profit	NOUN
fueconorg-13371	4	42	.	.	PUNCT
fueconorg-13371	5	1	this	this	DET
fueconorg-13371	5	2	study	study	NOUN
fueconorg-13371	5	3	examines	examine	VERB
fueconorg-13371	5	4	the	the	DET
fueconorg-13371	5	5	relationship	relationship	NOUN
fueconorg-13371	5	6	between	between	ADP
fueconorg-13371	5	7	reinsurance	reinsurance	NOUN
fueconorg-13371	5	8	utilization	utilization	NOUN
fueconorg-13371	5	9	and	and	CCONJ
fueconorg-13371	5	10	equity	equity	NOUN
fueconorg-13371	5	11	financing	financing	NOUN
fueconorg-13371	5	12	in	in	ADP
fueconorg-13371	5	13	the	the	DET
fueconorg-13371	5	14	nigerian	nigerian	ADJ
fueconorg-13371	5	15	insurance	insurance	NOUN
fueconorg-13371	5	16	industry	industry	NOUN
fueconorg-13371	5	17	as	as	ADP
fueconorg-13371	5	18	part	part	NOUN
fueconorg-13371	5	19	of	of	ADP
fueconorg-13371	5	20	the	the	DET
fueconorg-13371	5	21	nigerian	nigerian	ADJ
fueconorg-13371	5	22	financial	financial	ADJ
fueconorg-13371	5	23	system	system	NOUN
fueconorg-13371	5	24	.	.	PUNCT
fueconorg-13371	6	1	it	it	PRON
fueconorg-13371	6	2	hypothesizes	hypothesize	VERB
fueconorg-13371	6	3	that	that	SCONJ
fueconorg-13371	6	4	there	there	PRON
fueconorg-13371	6	5	is	be	VERB
fueconorg-13371	6	6	no	no	DET
fueconorg-13371	6	7	significant	significant	ADJ
fueconorg-13371	6	8	relationship	relationship	NOUN
fueconorg-13371	6	9	between	between	ADP
fueconorg-13371	6	10	reinsurance	reinsurance	NOUN
fueconorg-13371	6	11	ceded	cede	VERB
fueconorg-13371	6	12	and	and	CCONJ
fueconorg-13371	6	13	equity	equity	NOUN
fueconorg-13371	6	14	in	in	ADP
fueconorg-13371	6	15	non	non	ADJ
fueconorg-13371	6	16	-	-	ADJ
fueconorg-13371	6	17	life	life	ADJ
fueconorg-13371	6	18	insurance	insurance	NOUN
fueconorg-13371	6	19	companies	company	NOUN
fueconorg-13371	6	20	in	in	ADP
fueconorg-13371	6	21	nigeria	nigeria	PROPN
fueconorg-13371	6	22	.	.	PUNCT
fueconorg-13371	7	1	the	the	DET
fueconorg-13371	7	2	study	study	NOUN
fueconorg-13371	7	3	hinges	hinge	VERB
fueconorg-13371	7	4	on	on	ADP
fueconorg-13371	7	5	the	the	DET
fueconorg-13371	7	6	bankruptcy	bankruptcy	NOUN
fueconorg-13371	7	7	cost	cost	NOUN
fueconorg-13371	7	8	theory	theory	NOUN
fueconorg-13371	7	9	and	and	CCONJ
fueconorg-13371	7	10	the	the	DET
fueconorg-13371	7	11	renting	rent	VERB
fueconorg-13371	7	12	capital	capital	NOUN
fueconorg-13371	7	13	hypothesis	hypothesis	NOUN
fueconorg-13371	7	14	.	.	PUNCT
fueconorg-13371	8	1	the	the	DET
fueconorg-13371	8	2	ex	ex	NOUN
fueconorg-13371	8	3	-	-	ADJ
fueconorg-13371	8	4	post	post	ADJ
fueconorg-13371	8	5	facto	facto	X
fueconorg-13371	8	6	research	research	NOUN
fueconorg-13371	8	7	design	design	NOUN
fueconorg-13371	8	8	is	be	AUX
fueconorg-13371	8	9	adopted	adopt	VERB
fueconorg-13371	8	10	for	for	ADP
fueconorg-13371	8	11	the	the	DET
fueconorg-13371	8	12	study	study	NOUN
fueconorg-13371	8	13	and	and	CCONJ
fueconorg-13371	8	14	the	the	DET
fueconorg-13371	8	15	population	population	NOUN
fueconorg-13371	8	16	comprises	comprise	VERB
fueconorg-13371	8	17	all	all	DET
fueconorg-13371	8	18	the	the	DET
fueconorg-13371	8	19	registered	register	VERB
fueconorg-13371	8	20	insurance	insurance	NOUN
fueconorg-13371	8	21	companies	company	NOUN
fueconorg-13371	8	22	in	in	ADP
fueconorg-13371	8	23	nigeria	nigeria	PROPN
fueconorg-13371	8	24	undertaking	undertake	VERB
fueconorg-13371	8	25	non	non	ADJ
fueconorg-13371	8	26	-	-	ADJ
fueconorg-13371	8	27	life	life	ADJ
fueconorg-13371	8	28	insurance	insurance	NOUN
fueconorg-13371	8	29	from	from	ADP
fueconorg-13371	8	30	which	which	PRON
fueconorg-13371	8	31	a	a	DET
fueconorg-13371	8	32	sample	sample	NOUN
fueconorg-13371	8	33	of	of	ADP
fueconorg-13371	8	34	thirty	thirty	NUM
fueconorg-13371	8	35	-	-	PUNCT
fueconorg-13371	8	36	six	six	NUM
fueconorg-13371	8	37	(	(	PUNCT
fueconorg-13371	8	38	36	36	NUM
fueconorg-13371	8	39	)	)	PUNCT
fueconorg-13371	8	40	companies	company	NOUN
fueconorg-13371	8	41	are	be	AUX
fueconorg-13371	8	42	selected	select	VERB
fueconorg-13371	8	43	using	use	VERB
fueconorg-13371	8	44	the	the	DET
fueconorg-13371	8	45	purposive	purposive	ADJ
fueconorg-13371	8	46	sampling	sample	VERB
fueconorg-13371	8	47	technique	technique	NOUN
fueconorg-13371	8	48	.	.	PUNCT
fueconorg-13371	9	1	data	datum	NOUN
fueconorg-13371	9	2	is	be	AUX
fueconorg-13371	9	3	drawn	draw	VERB
fueconorg-13371	9	4	from	from	ADP
fueconorg-13371	9	5	the	the	DET
fueconorg-13371	9	6	annual	annual	ADJ
fueconorg-13371	9	7	reports	report	NOUN
fueconorg-13371	9	8	of	of	ADP
fueconorg-13371	9	9	the	the	DET
fueconorg-13371	9	10	selected	select	VERB
fueconorg-13371	9	11	companies	company	NOUN
fueconorg-13371	9	12	and	and	CCONJ
fueconorg-13371	9	13	nigeria	nigeria	PROPN
fueconorg-13371	9	14	insurers	insurer	NOUN
fueconorg-13371	9	15	’	'	PUNCT
fueconorg-13371	9	16	digest	digest	VERB
fueconorg-13371	9	17	over	over	ADP
fueconorg-13371	9	18	a	a	DET
fueconorg-13371	9	19	period	period	NOUN
fueconorg-13371	9	20	of	of	ADP
fueconorg-13371	9	21	23	23	NUM
fueconorg-13371	9	22	years	year	NOUN
fueconorg-13371	9	23	and	and	CCONJ
fueconorg-13371	9	24	analyzed	analyze	VERB
fueconorg-13371	9	25	using	use	VERB
fueconorg-13371	9	26	the	the	DET
fueconorg-13371	9	27	pooled	pooled	ADJ
fueconorg-13371	9	28	ordinary	ordinary	ADJ
fueconorg-13371	9	29	least	least	ADJ
fueconorg-13371	9	30	squares	square	NOUN
fueconorg-13371	9	31	regression	regression	NOUN
fueconorg-13371	9	32	,	,	PUNCT
fueconorg-13371	9	33	fixed	fix	VERB
fueconorg-13371	9	34	effect	effect	NOUN
fueconorg-13371	9	35	,	,	PUNCT
fueconorg-13371	9	36	random	random	ADJ
fueconorg-13371	9	37	effect	effect	NOUN
fueconorg-13371	9	38	regression	regression	NOUN
fueconorg-13371	9	39	and	and	CCONJ
fueconorg-13371	9	40	generalized	generalized	ADJ
fueconorg-13371	9	41	method	method	NOUN
fueconorg-13371	9	42	of	of	ADP
fueconorg-13371	9	43	moments	moment	NOUN
fueconorg-13371	9	44	.	.	PUNCT
fueconorg-13371	10	1	the	the	DET
fueconorg-13371	10	2	results	result	NOUN
fueconorg-13371	10	3	reveal	reveal	VERB
fueconorg-13371	10	4	a	a	DET
fueconorg-13371	10	5	significant	significant	ADJ
fueconorg-13371	10	6	relationship	relationship	NOUN
fueconorg-13371	10	7	between	between	ADP
fueconorg-13371	10	8	equity	equity	NOUN
fueconorg-13371	10	9	and	and	CCONJ
fueconorg-13371	10	10	reinsurance	reinsurance	NOUN
fueconorg-13371	10	11	ceded	cede	VERB
fueconorg-13371	10	12	.	.	PUNCT
fueconorg-13371	11	1	it	it	PRON
fueconorg-13371	11	2	is	be	AUX
fueconorg-13371	11	3	concluded	conclude	VERB
fueconorg-13371	11	4	that	that	SCONJ
fueconorg-13371	11	5	reinsurance	reinsurance	NOUN
fueconorg-13371	11	6	utilization	utilization	NOUN
fueconorg-13371	11	7	impinges	impinge	VERB
fueconorg-13371	11	8	on	on	ADP
fueconorg-13371	11	9	equity	equity	NOUN
fueconorg-13371	11	10	financing	financing	NOUN
fueconorg-13371	11	11	in	in	ADP
fueconorg-13371	11	12	non	non	ADJ
fueconorg-13371	11	13	-	-	ADJ
fueconorg-13371	11	14	life	life	ADJ
fueconorg-13371	11	15	insurance	insurance	NOUN
fueconorg-13371	11	16	companies	company	NOUN
fueconorg-13371	11	17	.	.	PUNCT
fueconorg-13371	12	1	it	it	PRON
fueconorg-13371	12	2	is	be	AUX
fueconorg-13371	12	3	recommended	recommend	VERB
fueconorg-13371	12	4	that	that	SCONJ
fueconorg-13371	12	5	low	low	ADV
fueconorg-13371	12	6	-	-	PUNCT
fueconorg-13371	12	7	capitalized	capitalize	VERB
fueconorg-13371	12	8	insurers	insurer	NOUN
fueconorg-13371	12	9	should	should	AUX
fueconorg-13371	12	10	cede	cede	VERB
fueconorg-13371	12	11	more	more	ADJ
fueconorg-13371	12	12	risks	risk	NOUN
fueconorg-13371	12	13	as	as	ADP
fueconorg-13371	12	14	a	a	DET
fueconorg-13371	12	15	buffer	buffer	NOUN
fueconorg-13371	12	16	to	to	ADP
fueconorg-13371	12	17	their	their	PRON
fueconorg-13371	12	18	capital	capital	NOUN
fueconorg-13371	12	19	,	,	PUNCT
fueconorg-13371	12	20	guard	guard	NOUN
fueconorg-13371	12	21	against	against	ADP
fueconorg-13371	12	22	bankruptcy	bankruptcy	NOUN
fueconorg-13371	12	23	,	,	PUNCT
fueconorg-13371	12	24	and	and	CCONJ
fueconorg-13371	12	25	enhance	enhance	VERB
fueconorg-13371	12	26	profitability	profitability	NOUN
fueconorg-13371	12	27	and	and	CCONJ
fueconorg-13371	12	28	solvency	solvency	NOUN
fueconorg-13371	12	29	.	.	PUNCT
fueconorg-13371	13	1	key	key	ADJ
fueconorg-13371	13	2	words	word	NOUN
fueconorg-13371	13	3	:	:	PUNCT
fueconorg-13371	13	4	equity	equity	NOUN
fueconorg-13371	13	5	,	,	PUNCT
fueconorg-13371	13	6	reinsurance	reinsurance	NOUN
fueconorg-13371	13	7	utilization	utilization	NOUN
fueconorg-13371	13	8	,	,	PUNCT
fueconorg-13371	13	9	reinsurance	reinsurance	NOUN
fueconorg-13371	13	10	ceded	cede	VERB
fueconorg-13371	13	11	,	,	PUNCT
fueconorg-13371	13	12	solvency	solvency	NOUN
fueconorg-13371	13	13	,	,	PUNCT
fueconorg-13371	13	14	profitability	profitability	NOUN
fueconorg-13371	13	15	jel	jel	PROPN
fueconorg-13371	13	16	classification	classification	NOUN
fueconorg-13371	13	17	:	:	PUNCT
fueconorg-13371	13	18	g22	g22	PROPN
fueconorg-13371	13	19	received	receive	VERB
fueconorg-13371	13	20	january	january	PROPN
fueconorg-13371	13	21	09	09	NUM
fueconorg-13371	13	22	,	,	PUNCT
fueconorg-13371	13	23	2025	2025	NUM
fueconorg-13371	13	24	/	/	SYM
fueconorg-13371	13	25	revised	revise	VERB
fueconorg-13371	13	26	june	june	PROPN
fueconorg-13371	13	27	21	21	NUM
fueconorg-13371	13	28	,	,	PUNCT
fueconorg-13371	13	29	2025	2025	NUM
fueconorg-13371	13	30	/accepted	/accepte	VERB
fueconorg-13371	13	31	july	july	PROPN
fueconorg-13371	13	32	01	01	NUM
fueconorg-13371	13	33	,	,	PUNCT
fueconorg-13371	13	34	2025	2025	NUM
fueconorg-13371	13	35	corresponding	correspond	VERB
fueconorg-13371	13	36	author	author	NOUN
fueconorg-13371	13	37	:	:	PUNCT
fueconorg-13371	13	38	mfon	mfon	PROPN
fueconorg-13371	13	39	sampson	sampson	PROPN
fueconorg-13371	13	40	ukpong	ukpong	PROPN
fueconorg-13371	13	41	university	university	PROPN
fueconorg-13371	13	42	of	of	ADP
fueconorg-13371	13	43	uyo	uyo	PROPN
fueconorg-13371	13	44	,	,	PUNCT
fueconorg-13371	13	45	department	department	NOUN
fueconorg-13371	13	46	of	of	ADP
fueconorg-13371	13	47	insurance	insurance	NOUN
fueconorg-13371	13	48	,	,	PUNCT
fueconorg-13371	13	49	nwaniba	nwaniba	PROPN
fueconorg-13371	13	50	road	road	NOUN
fueconorg-13371	13	51	,	,	PUNCT
fueconorg-13371	13	52	uyo	uyo	PROPN
fueconorg-13371	13	53	,	,	PUNCT
fueconorg-13371	13	54	postal	postal	PROPN
fueconorg-13371	13	55	box	box	PROPN
fueconorg-13371	13	56	:	:	PUNCT
fueconorg-13371	13	57	p.m.b	p.m.b	PROPN
fueconorg-13371	13	58	1017	1017	NUM
fueconorg-13371	13	59	,	,	PUNCT
fueconorg-13371	13	60	uyo	uyo	NOUN
fueconorg-13371	13	61	,	,	PUNCT
fueconorg-13371	13	62	aks	ak	NOUN
fueconorg-13371	13	63	.	.	PUNCT
fueconorg-13371	13	64	,	,	PUNCT
fueconorg-13371	13	65	akwa	akwa	ADJ
fueconorg-13371	13	66	ibom	ibom	ADJ
fueconorg-13371	13	67	state	state	NOUN
fueconorg-13371	13	68	,	,	PUNCT
fueconorg-13371	13	69	nigeria	nigeria	PROPN
fueconorg-13371	14	1	|	|	ADV
fueconorg-13371	14	2	e	e	NOUN
fueconorg-13371	14	3	-	-	NOUN
fueconorg-13371	14	4	mail	mail	NOUN
fueconorg-13371	14	5	:	:	PUNCT
fueconorg-13371	15	1	mfonukpong@rocketmail.com	mfonukpong@rocketmail.com	X
fueconorg-13371	15	2	https://orcid.org/0000-0003-2223-0328	https://orcid.org/0000-0003-2223-0328	PROPN
fueconorg-13371	15	3	https://orcid.org/0009-0008-6213-9784	https://orcid.org/0009-0008-6213-9784	PROPN
fueconorg-13371	15	4	https://orcid.org/0000-0001-8304-6159	https://orcid.org/0000-0001-8304-6159	PROPN
fueconorg-13371	15	5	mailto:mfonukpong@rocketmail.com	mailto:mfonukpong@rocketmail.com	PROPN
fueconorg-13371	15	6	100	100	NUM
fueconorg-13371	15	7	m.	m.	PROPN
fueconorg-13371	15	8	s.	s.	PROPN
fueconorg-13371	15	9	ukpong	ukpong	PROPN
fueconorg-13371	15	10	,	,	PUNCT
fueconorg-13371	15	11	m.	m.	NOUN
fueconorg-13371	15	12	a.	a.	PROPN
fueconorg-13371	15	13	obalola	obalola	PROPN
fueconorg-13371	15	14	,	,	PUNCT
fueconorg-13371	15	15	i.	i.	PROPN
fueconorg-13371	15	16	adeleke	adeleke	VERB
fueconorg-13371	15	17	1.1	1.1	NUM
fueconorg-13371	15	18	introduction	introduction	NOUN
fueconorg-13371	15	19	in	in	ADP
fueconorg-13371	15	20	the	the	DET
fueconorg-13371	15	21	ever	ever	ADV
fueconorg-13371	15	22	-	-	PUNCT
fueconorg-13371	15	23	evolving	evolve	VERB
fueconorg-13371	15	24	landscape	landscape	NOUN
fueconorg-13371	15	25	of	of	ADP
fueconorg-13371	15	26	global	global	ADJ
fueconorg-13371	15	27	finance	finance	NOUN
fueconorg-13371	15	28	and	and	CCONJ
fueconorg-13371	15	29	risk	risk	NOUN
fueconorg-13371	15	30	management	management	NOUN
fueconorg-13371	15	31	,	,	PUNCT
fueconorg-13371	15	32	the	the	DET
fueconorg-13371	15	33	source	source	NOUN
fueconorg-13371	15	34	of	of	ADP
fueconorg-13371	15	35	capital	capital	NOUN
fueconorg-13371	15	36	of	of	ADP
fueconorg-13371	15	37	an	an	DET
fueconorg-13371	15	38	insurance	insurance	NOUN
fueconorg-13371	15	39	company	company	NOUN
fueconorg-13371	15	40	has	have	AUX
fueconorg-13371	15	41	drawn	draw	VERB
fueconorg-13371	15	42	momentous	momentous	ADJ
fueconorg-13371	15	43	attention	attention	NOUN
fueconorg-13371	15	44	from	from	ADP
fueconorg-13371	15	45	both	both	CCONJ
fueconorg-13371	15	46	academia	academia	NOUN
fueconorg-13371	15	47	and	and	CCONJ
fueconorg-13371	15	48	industry	industry	NOUN
fueconorg-13371	15	49	practitioners	practitioner	NOUN
fueconorg-13371	15	50	.	.	PUNCT
fueconorg-13371	16	1	as	as	SCONJ
fueconorg-13371	16	2	insurance	insurance	NOUN
fueconorg-13371	16	3	organizations	organization	NOUN
fueconorg-13371	16	4	play	play	VERB
fueconorg-13371	16	5	a	a	DET
fueconorg-13371	16	6	critical	critical	ADJ
fueconorg-13371	16	7	role	role	NOUN
fueconorg-13371	16	8	in	in	ADP
fueconorg-13371	16	9	mitigating	mitigate	VERB
fueconorg-13371	16	10	risks	risk	NOUN
fueconorg-13371	16	11	and	and	CCONJ
fueconorg-13371	16	12	providing	provide	VERB
fueconorg-13371	16	13	stability	stability	NOUN
fueconorg-13371	16	14	against	against	ADP
fueconorg-13371	16	15	unforeseen	unforeseen	ADJ
fueconorg-13371	16	16	events	event	NOUN
fueconorg-13371	16	17	,	,	PUNCT
fueconorg-13371	16	18	decisions	decision	NOUN
fueconorg-13371	16	19	on	on	ADP
fueconorg-13371	16	20	capital	capital	NOUN
fueconorg-13371	16	21	structure	structure	NOUN
fueconorg-13371	16	22	and	and	CCONJ
fueconorg-13371	16	23	reinsurance	reinsurance	NOUN
fueconorg-13371	16	24	utilization	utilization	NOUN
fueconorg-13371	16	25	are	be	AUX
fueconorg-13371	16	26	pivotal	pivotal	ADJ
fueconorg-13371	16	27	in	in	ADP
fueconorg-13371	16	28	managing	manage	VERB
fueconorg-13371	16	29	risk	risk	NOUN
fueconorg-13371	16	30	exposure	exposure	NOUN
fueconorg-13371	16	31	and	and	CCONJ
fueconorg-13371	16	32	ensuring	ensure	VERB
fueconorg-13371	16	33	solvency	solvency	NOUN
fueconorg-13371	16	34	.	.	PUNCT
fueconorg-13371	17	1	the	the	DET
fueconorg-13371	17	2	non	non	ADJ
fueconorg-13371	17	3	-	-	ADJ
fueconorg-13371	17	4	life	life	ADJ
fueconorg-13371	17	5	insurance	insurance	NOUN
fueconorg-13371	17	6	sector	sector	NOUN
fueconorg-13371	17	7	fosters	foster	VERB
fueconorg-13371	17	8	economic	economic	ADJ
fueconorg-13371	17	9	stability	stability	NOUN
fueconorg-13371	17	10	through	through	ADP
fueconorg-13371	17	11	its	its	PRON
fueconorg-13371	17	12	risk	risk	NOUN
fueconorg-13371	17	13	mitigation	mitigation	NOUN
fueconorg-13371	17	14	and	and	CCONJ
fueconorg-13371	17	15	financial	financial	ADJ
fueconorg-13371	17	16	intermediation	intermediation	NOUN
fueconorg-13371	17	17	function	function	NOUN
fueconorg-13371	17	18	.	.	PUNCT
fueconorg-13371	18	1	notwithstanding	notwithstanding	ADP
fueconorg-13371	18	2	,	,	PUNCT
fueconorg-13371	18	3	the	the	DET
fueconorg-13371	18	4	sector	sector	NOUN
fueconorg-13371	18	5	is	be	AUX
fueconorg-13371	18	6	plagued	plague	VERB
fueconorg-13371	18	7	by	by	ADP
fueconorg-13371	18	8	various	various	ADJ
fueconorg-13371	18	9	challenges	challenge	NOUN
fueconorg-13371	18	10	such	such	ADJ
fueconorg-13371	18	11	as	as	ADP
fueconorg-13371	18	12	economic	economic	ADJ
fueconorg-13371	18	13	volatility	volatility	NOUN
fueconorg-13371	18	14	,	,	PUNCT
fueconorg-13371	18	15	regulatory	regulatory	ADJ
fueconorg-13371	18	16	pressures	pressure	NOUN
fueconorg-13371	18	17	and	and	CCONJ
fueconorg-13371	18	18	the	the	DET
fueconorg-13371	18	19	need	need	NOUN
fueconorg-13371	18	20	to	to	PART
fueconorg-13371	18	21	maintain	maintain	VERB
fueconorg-13371	18	22	solvency	solvency	NOUN
fueconorg-13371	18	23	in	in	ADP
fueconorg-13371	18	24	the	the	DET
fueconorg-13371	18	25	highly	highly	ADV
fueconorg-13371	18	26	competitive	competitive	ADJ
fueconorg-13371	18	27	insurance	insurance	NOUN
fueconorg-13371	18	28	market	market	NOUN
fueconorg-13371	18	29	(	(	PUNCT
fueconorg-13371	18	30	oluwabiyi	oluwabiyi	X
fueconorg-13371	18	31	,	,	PUNCT
fueconorg-13371	18	32	asikhia	asikhia	NOUN
fueconorg-13371	18	33	&	&	CCONJ
fueconorg-13371	18	34	egwuonwu	egwuonwu	NOUN
fueconorg-13371	18	35	,	,	PUNCT
fueconorg-13371	18	36	2022	2022	NUM
fueconorg-13371	18	37	;	;	PUNCT
fueconorg-13371	18	38	tajudeen	tajudeen	NOUN
fueconorg-13371	18	39	,	,	PUNCT
fueconorg-13371	18	40	2022	2022	NUM
fueconorg-13371	18	41	)	)	PUNCT
fueconorg-13371	18	42	.	.	PUNCT
fueconorg-13371	19	1	in	in	ADP
fueconorg-13371	19	2	addressing	address	VERB
fueconorg-13371	19	3	these	these	DET
fueconorg-13371	19	4	challenges	challenge	NOUN
fueconorg-13371	19	5	,	,	PUNCT
fueconorg-13371	19	6	insurers	insurer	NOUN
fueconorg-13371	19	7	explore	explore	VERB
fueconorg-13371	19	8	a	a	DET
fueconorg-13371	19	9	mix	mix	NOUN
fueconorg-13371	19	10	of	of	ADP
fueconorg-13371	19	11	financial	financial	ADJ
fueconorg-13371	19	12	strategies	strategy	NOUN
fueconorg-13371	19	13	to	to	PART
fueconorg-13371	19	14	manage	manage	VERB
fueconorg-13371	19	15	their	their	PRON
fueconorg-13371	19	16	risk	risk	NOUN
fueconorg-13371	19	17	and	and	CCONJ
fueconorg-13371	19	18	enhance	enhance	VERB
fueconorg-13371	19	19	financial	financial	ADJ
fueconorg-13371	19	20	stability	stability	NOUN
fueconorg-13371	19	21	,	,	PUNCT
fueconorg-13371	19	22	such	such	ADJ
fueconorg-13371	19	23	as	as	ADP
fueconorg-13371	19	24	reinsurance	reinsurance	NOUN
fueconorg-13371	19	25	utilization	utilization	NOUN
fueconorg-13371	19	26	and	and	CCONJ
fueconorg-13371	19	27	equity	equity	NOUN
fueconorg-13371	19	28	financing	financing	NOUN
fueconorg-13371	19	29	.	.	PUNCT
fueconorg-13371	20	1	reinsurance	reinsurance	NOUN
fueconorg-13371	20	2	is	be	AUX
fueconorg-13371	20	3	an	an	DET
fueconorg-13371	20	4	imperative	imperative	ADJ
fueconorg-13371	20	5	part	part	NOUN
fueconorg-13371	20	6	of	of	ADP
fueconorg-13371	20	7	the	the	DET
fueconorg-13371	20	8	insurance	insurance	NOUN
fueconorg-13371	20	9	industry	industry	NOUN
fueconorg-13371	20	10	.	.	PUNCT
fueconorg-13371	21	1	it	it	PRON
fueconorg-13371	21	2	is	be	AUX
fueconorg-13371	21	3	the	the	DET
fueconorg-13371	21	4	primary	primary	ADJ
fueconorg-13371	21	5	medium	medium	NOUN
fueconorg-13371	21	6	through	through	ADP
fueconorg-13371	21	7	which	which	PRON
fueconorg-13371	21	8	ceding	cede	VERB
fueconorg-13371	21	9	insurers	insurer	NOUN
fueconorg-13371	21	10	by	by	ADP
fueconorg-13371	21	11	paying	pay	VERB
fueconorg-13371	21	12	a	a	DET
fueconorg-13371	21	13	premium	premium	NOUN
fueconorg-13371	21	14	transfer	transfer	NOUN
fueconorg-13371	21	15	risks	risk	NOUN
fueconorg-13371	21	16	they	they	PRON
fueconorg-13371	21	17	do	do	AUX
fueconorg-13371	21	18	not	not	PART
fueconorg-13371	21	19	wish	wish	VERB
fueconorg-13371	21	20	to	to	PART
fueconorg-13371	21	21	retain	retain	VERB
fueconorg-13371	21	22	to	to	ADP
fueconorg-13371	21	23	the	the	DET
fueconorg-13371	21	24	reinsurer	reinsurer	NOUN
fueconorg-13371	21	25	,	,	PUNCT
fueconorg-13371	21	26	in	in	ADP
fueconorg-13371	21	27	return	return	NOUN
fueconorg-13371	21	28	for	for	ADP
fueconorg-13371	21	29	the	the	DET
fueconorg-13371	21	30	assurance	assurance	NOUN
fueconorg-13371	21	31	of	of	ADP
fueconorg-13371	21	32	being	be	AUX
fueconorg-13371	21	33	indemnified	indemnify	VERB
fueconorg-13371	21	34	when	when	SCONJ
fueconorg-13371	21	35	the	the	DET
fueconorg-13371	21	36	reinsured	reinsure	VERB
fueconorg-13371	21	37	risk	risk	NOUN
fueconorg-13371	21	38	occurs	occur	VERB
fueconorg-13371	21	39	.	.	PUNCT
fueconorg-13371	22	1	this	this	DET
fueconorg-13371	22	2	process	process	NOUN
fueconorg-13371	22	3	increases	increase	VERB
fueconorg-13371	22	4	the	the	DET
fueconorg-13371	22	5	pecuniary	pecuniary	ADJ
fueconorg-13371	22	6	stability	stability	NOUN
fueconorg-13371	22	7	of	of	ADP
fueconorg-13371	22	8	the	the	DET
fueconorg-13371	22	9	ceding	cede	VERB
fueconorg-13371	22	10	insurer	insurer	NOUN
fueconorg-13371	22	11	and	and	CCONJ
fueconorg-13371	22	12	is	be	AUX
fueconorg-13371	22	13	very	very	ADV
fueconorg-13371	22	14	beneficial	beneficial	ADJ
fueconorg-13371	22	15	to	to	ADP
fueconorg-13371	22	16	the	the	DET
fueconorg-13371	22	17	firm	firm	NOUN
fueconorg-13371	22	18	by	by	ADP
fueconorg-13371	22	19	increasing	increase	VERB
fueconorg-13371	22	20	underwriting	underwriting	NOUN
fueconorg-13371	22	21	capacity	capacity	NOUN
fueconorg-13371	22	22	,	,	PUNCT
fueconorg-13371	22	23	promoting	promote	VERB
fueconorg-13371	22	24	risk	risk	NOUN
fueconorg-13371	22	25	-	-	PUNCT
fueconorg-13371	22	26	adequate	adequate	ADJ
fueconorg-13371	22	27	behaviour	behaviour	NOUN
fueconorg-13371	22	28	,	,	PUNCT
fueconorg-13371	22	29	alleviating	alleviate	VERB
fueconorg-13371	22	30	policyholder	policyholder	NOUN
fueconorg-13371	22	31	’s	’s	PART
fueconorg-13371	22	32	apprehension	apprehension	NOUN
fueconorg-13371	22	33	about	about	ADP
fueconorg-13371	22	34	insurer	insurer	NOUN
fueconorg-13371	22	35	solvency	solvency	NOUN
fueconorg-13371	22	36	,	,	PUNCT
fueconorg-13371	22	37	increasing	increase	VERB
fueconorg-13371	22	38	earnings	earning	NOUN
fueconorg-13371	22	39	and	and	CCONJ
fueconorg-13371	22	40	firm	firm	ADJ
fueconorg-13371	22	41	value	value	NOUN
fueconorg-13371	22	42	and	and	CCONJ
fueconorg-13371	22	43	overall	overall	ADJ
fueconorg-13371	22	44	economic	economic	ADJ
fueconorg-13371	22	45	growth	growth	NOUN
fueconorg-13371	22	46	(	(	PUNCT
fueconorg-13371	22	47	abass	abass	PROPN
fueconorg-13371	22	48	&	&	CCONJ
fueconorg-13371	22	49	obalola	obalola	PROPN
fueconorg-13371	22	50	,	,	PUNCT
fueconorg-13371	22	51	2018	2018	NUM
fueconorg-13371	22	52	;	;	PUNCT
fueconorg-13371	22	53	obalola	obalola	PROPN
fueconorg-13371	22	54	&	&	CCONJ
fueconorg-13371	22	55	ukpong	ukpong	PROPN
fueconorg-13371	22	56	,	,	PUNCT
fueconorg-13371	22	57	2022	2022	NUM
fueconorg-13371	22	58	)	)	PUNCT
fueconorg-13371	22	59	.	.	PUNCT
fueconorg-13371	23	1	reinsurance	reinsurance	NOUN
fueconorg-13371	23	2	improves	improve	VERB
fueconorg-13371	23	3	the	the	DET
fueconorg-13371	23	4	solvency	solvency	NOUN
fueconorg-13371	23	5	of	of	ADP
fueconorg-13371	23	6	insurance	insurance	NOUN
fueconorg-13371	23	7	companies	company	NOUN
fueconorg-13371	23	8	effectively	effectively	ADV
fueconorg-13371	23	9	serving	serve	VERB
fueconorg-13371	23	10	as	as	ADP
fueconorg-13371	23	11	an	an	DET
fueconorg-13371	23	12	off	off	ADP
fueconorg-13371	23	13	-	-	PUNCT
fueconorg-13371	23	14	balance	balance	NOUN
fueconorg-13371	23	15	-	-	PUNCT
fueconorg-13371	23	16	sheet	sheet	NOUN
fueconorg-13371	23	17	capital	capital	NOUN
fueconorg-13371	23	18	.	.	PUNCT
fueconorg-13371	24	1	it	it	PRON
fueconorg-13371	24	2	is	be	AUX
fueconorg-13371	24	3	capable	capable	ADJ
fueconorg-13371	24	4	of	of	ADP
fueconorg-13371	24	5	enabling	enable	VERB
fueconorg-13371	24	6	insurance	insurance	NOUN
fueconorg-13371	24	7	companies	company	NOUN
fueconorg-13371	24	8	attain	attain	VERB
fueconorg-13371	24	9	an	an	DET
fueconorg-13371	24	10	ideal	ideal	ADJ
fueconorg-13371	24	11	mix	mix	NOUN
fueconorg-13371	24	12	of	of	ADP
fueconorg-13371	24	13	capital	capital	NOUN
fueconorg-13371	24	14	which	which	PRON
fueconorg-13371	24	15	reduces	reduce	VERB
fueconorg-13371	24	16	agency	agency	NOUN
fueconorg-13371	24	17	cost	cost	NOUN
fueconorg-13371	24	18	and	and	CCONJ
fueconorg-13371	24	19	enhances	enhance	VERB
fueconorg-13371	24	20	firm	firm	ADJ
fueconorg-13371	24	21	value	value	NOUN
fueconorg-13371	24	22	.	.	PUNCT
fueconorg-13371	25	1	similarly	similarly	ADV
fueconorg-13371	25	2	,	,	PUNCT
fueconorg-13371	25	3	through	through	ADP
fueconorg-13371	25	4	the	the	DET
fueconorg-13371	25	5	purchase	purchase	NOUN
fueconorg-13371	25	6	of	of	ADP
fueconorg-13371	25	7	reinsurance	reinsurance	NOUN
fueconorg-13371	25	8	,	,	PUNCT
fueconorg-13371	25	9	insurers	insurer	NOUN
fueconorg-13371	25	10	after	after	ADP
fueconorg-13371	25	11	meeting	meet	VERB
fueconorg-13371	25	12	up	up	ADP
fueconorg-13371	25	13	with	with	ADP
fueconorg-13371	25	14	the	the	DET
fueconorg-13371	25	15	statutory	statutory	PROPN
fueconorg-13371	25	16	reserve	reserve	PROPN
fueconorg-13371	25	17	,	,	PUNCT
fueconorg-13371	25	18	can	can	AUX
fueconorg-13371	25	19	relinquish	relinquish	VERB
fueconorg-13371	25	20	capital	capital	NOUN
fueconorg-13371	25	21	that	that	PRON
fueconorg-13371	25	22	would	would	AUX
fueconorg-13371	25	23	have	have	AUX
fueconorg-13371	25	24	otherwise	otherwise	ADV
fueconorg-13371	25	25	been	be	AUX
fueconorg-13371	25	26	tied	tie	VERB
fueconorg-13371	25	27	up	up	ADP
fueconorg-13371	25	28	for	for	ADP
fueconorg-13371	25	29	potential	potential	ADJ
fueconorg-13371	25	30	future	future	ADJ
fueconorg-13371	25	31	claims	claim	NOUN
fueconorg-13371	25	32	.	.	PUNCT
fueconorg-13371	26	1	the	the	DET
fueconorg-13371	26	2	recovered	recover	VERB
fueconorg-13371	26	3	capital	capital	NOUN
fueconorg-13371	26	4	can	can	AUX
fueconorg-13371	26	5	then	then	ADV
fueconorg-13371	26	6	be	be	AUX
fueconorg-13371	26	7	used	use	VERB
fueconorg-13371	26	8	for	for	ADP
fueconorg-13371	26	9	other	other	ADJ
fueconorg-13371	26	10	firm	firm	ADJ
fueconorg-13371	26	11	projects	project	NOUN
fueconorg-13371	26	12	,	,	PUNCT
fueconorg-13371	26	13	investments	investment	NOUN
fueconorg-13371	26	14	or	or	CCONJ
fueconorg-13371	26	15	as	as	ADP
fueconorg-13371	26	16	a	a	DET
fueconorg-13371	26	17	means	means	NOUN
fueconorg-13371	26	18	of	of	ADP
fueconorg-13371	26	19	meeting	meet	VERB
fueconorg-13371	26	20	up	up	ADP
fueconorg-13371	26	21	with	with	ADP
fueconorg-13371	26	22	supervisory	supervisory	ADJ
fueconorg-13371	26	23	capital	capital	NOUN
fueconorg-13371	26	24	requirements	requirement	NOUN
fueconorg-13371	26	25	.	.	PUNCT
fueconorg-13371	27	1	at	at	ADP
fueconorg-13371	27	2	the	the	DET
fueconorg-13371	27	3	same	same	ADJ
fueconorg-13371	27	4	time	time	NOUN
fueconorg-13371	27	5	,	,	PUNCT
fueconorg-13371	27	6	through	through	ADP
fueconorg-13371	27	7	equity	equity	NOUN
fueconorg-13371	27	8	financing	financing	NOUN
fueconorg-13371	27	9	an	an	DET
fueconorg-13371	27	10	insurance	insurance	NOUN
fueconorg-13371	27	11	company	company	NOUN
fueconorg-13371	27	12	can	can	AUX
fueconorg-13371	27	13	have	have	VERB
fueconorg-13371	27	14	a	a	DET
fueconorg-13371	27	15	stable	stable	ADJ
fueconorg-13371	27	16	source	source	NOUN
fueconorg-13371	27	17	of	of	ADP
fueconorg-13371	27	18	capital	capital	NOUN
fueconorg-13371	27	19	which	which	PRON
fueconorg-13371	27	20	strengthens	strengthen	VERB
fueconorg-13371	27	21	the	the	DET
fueconorg-13371	27	22	insurer	insurer	NOUN
fueconorg-13371	27	23	’s	’s	PART
fueconorg-13371	27	24	ability	ability	NOUN
fueconorg-13371	27	25	to	to	PART
fueconorg-13371	27	26	write	write	VERB
fueconorg-13371	27	27	risks	risk	NOUN
fueconorg-13371	27	28	and	and	CCONJ
fueconorg-13371	27	29	maintain	maintain	VERB
fueconorg-13371	27	30	regulatory	regulatory	ADJ
fueconorg-13371	27	31	compliance	compliance	NOUN
fueconorg-13371	27	32	(	(	PUNCT
fueconorg-13371	27	33	akande	akande	PROPN
fueconorg-13371	27	34	,	,	PUNCT
fueconorg-13371	27	35	samuel	samuel	PROPN
fueconorg-13371	27	36	&	&	CCONJ
fueconorg-13371	27	37	iyodo	iyodo	PROPN
fueconorg-13371	27	38	,	,	PUNCT
fueconorg-13371	27	39	2020	2020	NUM
fueconorg-13371	27	40	)	)	PUNCT
fueconorg-13371	27	41	.	.	PUNCT
fueconorg-13371	28	1	the	the	DET
fueconorg-13371	28	2	knowledge	knowledge	NOUN
fueconorg-13371	28	3	of	of	ADP
fueconorg-13371	28	4	the	the	DET
fueconorg-13371	28	5	role	role	NOUN
fueconorg-13371	28	6	of	of	ADP
fueconorg-13371	28	7	reinsurance	reinsurance	NOUN
fueconorg-13371	28	8	and	and	CCONJ
fueconorg-13371	28	9	its	its	PRON
fueconorg-13371	28	10	association	association	NOUN
fueconorg-13371	28	11	with	with	ADP
fueconorg-13371	28	12	capital	capital	NOUN
fueconorg-13371	28	13	structure	structure	NOUN
fueconorg-13371	28	14	decisions	decision	NOUN
fueconorg-13371	28	15	is	be	AUX
fueconorg-13371	28	16	essential	essential	ADJ
fueconorg-13371	28	17	for	for	ADP
fueconorg-13371	28	18	insurance	insurance	NOUN
fueconorg-13371	28	19	companies	company	NOUN
fueconorg-13371	28	20	in	in	ADP
fueconorg-13371	28	21	the	the	DET
fueconorg-13371	28	22	dynamic	dynamic	ADJ
fueconorg-13371	28	23	insurance	insurance	NOUN
fueconorg-13371	28	24	market	market	NOUN
fueconorg-13371	28	25	and	and	CCONJ
fueconorg-13371	28	26	can	can	AUX
fueconorg-13371	28	27	influence	influence	VERB
fueconorg-13371	28	28	their	their	PRON
fueconorg-13371	28	29	long	long	ADJ
fueconorg-13371	28	30	-	-	PUNCT
fueconorg-13371	28	31	term	term	NOUN
fueconorg-13371	28	32	viability	viability	NOUN
fueconorg-13371	28	33	and	and	CCONJ
fueconorg-13371	28	34	profitability	profitability	NOUN
fueconorg-13371	28	35	as	as	ADV
fueconorg-13371	28	36	well	well	ADV
fueconorg-13371	28	37	as	as	ADP
fueconorg-13371	28	38	improve	improve	VERB
fueconorg-13371	28	39	robust	robust	ADJ
fueconorg-13371	28	40	and	and	CCONJ
fueconorg-13371	28	41	viable	viable	ADJ
fueconorg-13371	28	42	insurance	insurance	NOUN
fueconorg-13371	28	43	industry	industry	NOUN
fueconorg-13371	28	44	operations	operation	NOUN
fueconorg-13371	28	45	.	.	PUNCT
fueconorg-13371	29	1	the	the	DET
fueconorg-13371	29	2	nigerian	nigerian	ADJ
fueconorg-13371	29	3	insurance	insurance	NOUN
fueconorg-13371	29	4	industry	industry	NOUN
fueconorg-13371	29	5	has	have	AUX
fueconorg-13371	29	6	experienced	experience	VERB
fueconorg-13371	29	7	varying	vary	VERB
fueconorg-13371	29	8	degrees	degree	NOUN
fueconorg-13371	29	9	of	of	ADP
fueconorg-13371	29	10	dependence	dependence	NOUN
fueconorg-13371	29	11	on	on	ADP
fueconorg-13371	29	12	reinsurance	reinsurance	NOUN
fueconorg-13371	29	13	.	.	PUNCT
fueconorg-13371	30	1	the	the	DET
fueconorg-13371	30	2	insurance	insurance	NOUN
fueconorg-13371	30	3	industry	industry	NOUN
fueconorg-13371	30	4	comprises	comprise	VERB
fueconorg-13371	30	5	the	the	DET
fueconorg-13371	30	6	life	life	NOUN
fueconorg-13371	30	7	and	and	CCONJ
fueconorg-13371	30	8	non	non	ADJ
fueconorg-13371	30	9	-	-	ADJ
fueconorg-13371	30	10	life	life	ADJ
fueconorg-13371	30	11	sectors	sector	NOUN
fueconorg-13371	30	12	.	.	PUNCT
fueconorg-13371	31	1	the	the	DET
fueconorg-13371	31	2	life	life	NOUN
fueconorg-13371	31	3	insurance	insurance	NOUN
fueconorg-13371	31	4	sector	sector	NOUN
fueconorg-13371	31	5	covers	cover	VERB
fueconorg-13371	31	6	individual	individual	ADJ
fueconorg-13371	31	7	life	life	NOUN
fueconorg-13371	31	8	insurance	insurance	NOUN
fueconorg-13371	31	9	,	,	PUNCT
fueconorg-13371	31	10	group	group	NOUN
fueconorg-13371	31	11	life	life	NOUN
fueconorg-13371	31	12	insurance	insurance	NOUN
fueconorg-13371	31	13	and	and	CCONJ
fueconorg-13371	31	14	pension	pension	NOUN
fueconorg-13371	31	15	,	,	PUNCT
fueconorg-13371	31	16	and	and	CCONJ
fueconorg-13371	31	17	health	health	NOUN
fueconorg-13371	31	18	insurance	insurance	NOUN
fueconorg-13371	31	19	.	.	PUNCT
fueconorg-13371	32	1	all	all	DET
fueconorg-13371	32	2	other	other	ADJ
fueconorg-13371	32	3	forms	form	NOUN
fueconorg-13371	32	4	of	of	ADP
fueconorg-13371	32	5	insurance	insurance	NOUN
fueconorg-13371	32	6	outside	outside	ADP
fueconorg-13371	32	7	life	life	NOUN
fueconorg-13371	32	8	are	be	AUX
fueconorg-13371	32	9	covered	cover	VERB
fueconorg-13371	32	10	in	in	ADP
fueconorg-13371	32	11	non	non	ADJ
fueconorg-13371	32	12	-	-	ADJ
fueconorg-13371	32	13	life	life	ADJ
fueconorg-13371	32	14	insurance	insurance	NOUN
fueconorg-13371	32	15	.	.	PUNCT
fueconorg-13371	33	1	while	while	SCONJ
fueconorg-13371	33	2	the	the	DET
fueconorg-13371	33	3	non	non	ADJ
fueconorg-13371	33	4	-	-	ADJ
fueconorg-13371	33	5	life	life	ADJ
fueconorg-13371	33	6	sector	sector	NOUN
fueconorg-13371	33	7	can	can	AUX
fueconorg-13371	33	8	boast	boast	VERB
fueconorg-13371	33	9	of	of	ADP
fueconorg-13371	33	10	a	a	DET
fueconorg-13371	33	11	fair	fair	ADJ
fueconorg-13371	33	12	participation	participation	NOUN
fueconorg-13371	33	13	of	of	ADP
fueconorg-13371	33	14	reinsurance	reinsurance	NOUN
fueconorg-13371	33	15	as	as	ADP
fueconorg-13371	33	16	a	a	DET
fueconorg-13371	33	17	means	means	NOUN
fueconorg-13371	33	18	of	of	ADP
fueconorg-13371	33	19	managing	manage	VERB
fueconorg-13371	33	20	underwriting	underwriting	NOUN
fueconorg-13371	33	21	risk	risk	NOUN
fueconorg-13371	33	22	and	and	CCONJ
fueconorg-13371	33	23	complying	comply	VERB
fueconorg-13371	33	24	with	with	ADP
fueconorg-13371	33	25	statutory	statutory	ADJ
fueconorg-13371	33	26	requirement	requirement	NOUN
fueconorg-13371	33	27	,	,	PUNCT
fueconorg-13371	33	28	aduloju	aduloju	NOUN
fueconorg-13371	33	29	and	and	CCONJ
fueconorg-13371	33	30	ajemunighbohun	ajemunighbohun	PROPN
fueconorg-13371	33	31	(	(	PUNCT
fueconorg-13371	33	32	2017	2017	NUM
fueconorg-13371	33	33	)	)	PUNCT
fueconorg-13371	33	34	assert	assert	VERB
fueconorg-13371	33	35	that	that	SCONJ
fueconorg-13371	33	36	the	the	DET
fueconorg-13371	33	37	life	life	NOUN
fueconorg-13371	33	38	sector	sector	NOUN
fueconorg-13371	33	39	is	be	AUX
fueconorg-13371	33	40	yet	yet	ADV
fueconorg-13371	33	41	to	to	PART
fueconorg-13371	33	42	have	have	VERB
fueconorg-13371	33	43	a	a	DET
fueconorg-13371	33	44	full	full	ADJ
fueconorg-13371	33	45	grasp	grasp	NOUN
fueconorg-13371	33	46	of	of	ADP
fueconorg-13371	33	47	it	it	PRON
fueconorg-13371	33	48	.	.	PUNCT
fueconorg-13371	34	1	as	as	SCONJ
fueconorg-13371	34	2	reinsurance	reinsurance	NOUN
fueconorg-13371	34	3	utilization	utilization	NOUN
fueconorg-13371	34	4	provides	provide	VERB
fueconorg-13371	34	5	financial	financial	ADJ
fueconorg-13371	34	6	relief	relief	NOUN
fueconorg-13371	34	7	,	,	PUNCT
fueconorg-13371	34	8	it	it	PRON
fueconorg-13371	34	9	generates	generate	VERB
fueconorg-13371	34	10	interest	interest	NOUN
fueconorg-13371	34	11	about	about	ADP
fueconorg-13371	34	12	how	how	SCONJ
fueconorg-13371	34	13	it	it	PRON
fueconorg-13371	34	14	relates	relate	VERB
fueconorg-13371	34	15	with	with	ADP
fueconorg-13371	34	16	equity	equity	NOUN
fueconorg-13371	34	17	financing	financing	NOUN
fueconorg-13371	34	18	and	and	CCONJ
fueconorg-13371	34	19	the	the	DET
fueconorg-13371	34	20	overall	overall	ADJ
fueconorg-13371	34	21	capital	capital	NOUN
fueconorg-13371	34	22	structure	structure	NOUN
fueconorg-13371	34	23	of	of	ADP
fueconorg-13371	34	24	the	the	DET
fueconorg-13371	34	25	insurance	insurance	NOUN
fueconorg-13371	34	26	company	company	NOUN
fueconorg-13371	34	27	.	.	PUNCT
fueconorg-13371	35	1	kocurek	kocurek	NOUN
fueconorg-13371	35	2	(	(	PUNCT
fueconorg-13371	35	3	2024	2024	NUM
fueconorg-13371	35	4	)	)	PUNCT
fueconorg-13371	35	5	and	and	CCONJ
fueconorg-13371	35	6	fadun	fadun	VERB
fueconorg-13371	35	7	,	,	PUNCT
fueconorg-13371	35	8	et	et	PROPN
fueconorg-13371	35	9	al	al	PROPN
fueconorg-13371	35	10	.	.	PROPN
fueconorg-13371	35	11	,	,	PUNCT
fueconorg-13371	35	12	(	(	PUNCT
fueconorg-13371	35	13	2023	2023	NUM
fueconorg-13371	35	14	)	)	PUNCT
fueconorg-13371	35	15	hold	hold	VERB
fueconorg-13371	35	16	that	that	SCONJ
fueconorg-13371	35	17	the	the	DET
fueconorg-13371	35	18	purchase	purchase	NOUN
fueconorg-13371	35	19	of	of	ADP
fueconorg-13371	35	20	reinsurance	reinsurance	NOUN
fueconorg-13371	35	21	lessens	lessen	VERB
fueconorg-13371	35	22	underwriting	underwriting	NOUN
fueconorg-13371	35	23	and	and	CCONJ
fueconorg-13371	35	24	solvency	solvency	NOUN
fueconorg-13371	35	25	risks	risk	NOUN
fueconorg-13371	35	26	which	which	PRON
fueconorg-13371	35	27	motivates	motivate	VERB
fueconorg-13371	35	28	insurers	insurer	NOUN
fueconorg-13371	35	29	to	to	PART
fueconorg-13371	35	30	sell	sell	VERB
fueconorg-13371	35	31	more	more	ADJ
fueconorg-13371	35	32	policies	policy	NOUN
fueconorg-13371	35	33	.	.	PUNCT
fueconorg-13371	36	1	reinsurance	reinsurance	NOUN
fueconorg-13371	36	2	thus	thus	ADV
fueconorg-13371	36	3	serves	serve	VERB
fueconorg-13371	36	4	as	as	ADP
fueconorg-13371	36	5	a	a	DET
fueconorg-13371	36	6	means	means	NOUN
fueconorg-13371	36	7	of	of	ADP
fueconorg-13371	36	8	creation	creation	NOUN
fueconorg-13371	36	9	of	of	ADP
fueconorg-13371	36	10	value	value	NOUN
fueconorg-13371	36	11	though	though	SCONJ
fueconorg-13371	36	12	the	the	DET
fueconorg-13371	36	13	transfer	transfer	NOUN
fueconorg-13371	36	14	of	of	ADP
fueconorg-13371	36	15	the	the	DET
fueconorg-13371	36	16	risk	risk	NOUN
fueconorg-13371	36	17	while	while	SCONJ
fueconorg-13371	36	18	incurring	incur	VERB
fueconorg-13371	36	19	additional	additional	ADJ
fueconorg-13371	36	20	cost	cost	NOUN
fueconorg-13371	36	21	on	on	ADP
fueconorg-13371	36	22	the	the	DET
fueconorg-13371	36	23	insurer	insurer	NOUN
fueconorg-13371	36	24	.	.	PUNCT
fueconorg-13371	37	1	insurers	insurer	NOUN
fueconorg-13371	37	2	who	who	PRON
fueconorg-13371	37	3	utilize	utilize	VERB
fueconorg-13371	37	4	more	more	ADJ
fueconorg-13371	37	5	reinsurance	reinsurance	NOUN
fueconorg-13371	37	6	may	may	AUX
fueconorg-13371	37	7	build	build	VERB
fueconorg-13371	37	8	less	less	ADJ
fueconorg-13371	37	9	equity	equity	NOUN
fueconorg-13371	37	10	reserves	reserve	NOUN
fueconorg-13371	37	11	which	which	PRON
fueconorg-13371	37	12	the	the	DET
fueconorg-13371	37	13	nigerian	nigerian	ADJ
fueconorg-13371	37	14	financial	financial	ADJ
fueconorg-13371	37	15	system	system	NOUN
fueconorg-13371	37	16	:	:	PUNCT
fueconorg-13371	37	17	the	the	DET
fueconorg-13371	37	18	nexus	nexus	NOUN
fueconorg-13371	37	19	between	between	ADP
fueconorg-13371	37	20	reinsurance	reinsurance	NOUN
fueconorg-13371	37	21	ceded	cede	VERB
fueconorg-13371	37	22	and	and	CCONJ
fueconorg-13371	37	23	equity	equity	NOUN
fueconorg-13371	37	24	financing	financing	NOUN
fueconorg-13371	37	25	in	in	ADP
fueconorg-13371	37	26	the	the	PRON
fueconorg-13371	37	27	...	...	PUNCT
fueconorg-13371	37	28	101	101	NUM
fueconorg-13371	37	29	might	might	AUX
fueconorg-13371	37	30	undermine	undermine	VERB
fueconorg-13371	37	31	their	their	PRON
fueconorg-13371	37	32	financial	financial	ADJ
fueconorg-13371	37	33	resilience	resilience	NOUN
fueconorg-13371	37	34	.	.	PUNCT
fueconorg-13371	38	1	on	on	ADP
fueconorg-13371	38	2	the	the	DET
fueconorg-13371	38	3	other	other	ADJ
fueconorg-13371	38	4	hand	hand	NOUN
fueconorg-13371	38	5	,	,	PUNCT
fueconorg-13371	38	6	limited	limited	ADJ
fueconorg-13371	38	7	reinsurance	reinsurance	NOUN
fueconorg-13371	38	8	utilization	utilization	NOUN
fueconorg-13371	38	9	may	may	AUX
fueconorg-13371	38	10	strain	strain	VERB
fueconorg-13371	38	11	equity	equity	NOUN
fueconorg-13371	38	12	capital	capital	NOUN
fueconorg-13371	38	13	and	and	CCONJ
fueconorg-13371	38	14	unduly	unduly	ADV
fueconorg-13371	38	15	expose	expose	VERB
fueconorg-13371	38	16	the	the	DET
fueconorg-13371	38	17	insurer	insurer	NOUN
fueconorg-13371	38	18	to	to	ADP
fueconorg-13371	38	19	solvency	solvency	NOUN
fueconorg-13371	38	20	risks	risk	NOUN
fueconorg-13371	38	21	and	and	CCONJ
fueconorg-13371	38	22	reduce	reduce	VERB
fueconorg-13371	38	23	their	their	PRON
fueconorg-13371	38	24	ability	ability	NOUN
fueconorg-13371	38	25	to	to	PART
fueconorg-13371	38	26	underwrite	underwrite	VERB
fueconorg-13371	38	27	new	new	ADJ
fueconorg-13371	38	28	policies	policy	NOUN
fueconorg-13371	38	29	.	.	PUNCT
fueconorg-13371	39	1	the	the	DET
fueconorg-13371	39	2	insurance	insurance	NOUN
fueconorg-13371	39	3	act	act	NOUN
fueconorg-13371	39	4	(	(	PUNCT
fueconorg-13371	39	5	2003	2003	NUM
fueconorg-13371	39	6	)	)	PUNCT
fueconorg-13371	39	7	stipulates	stipulate	VERB
fueconorg-13371	39	8	that	that	SCONJ
fueconorg-13371	39	9	adequate	adequate	ADJ
fueconorg-13371	39	10	solvency	solvency	NOUN
fueconorg-13371	39	11	margins	margin	NOUN
fueconorg-13371	39	12	and	and	CCONJ
fueconorg-13371	39	13	capital	capital	NOUN
fueconorg-13371	39	14	buffers	buffer	NOUN
fueconorg-13371	39	15	be	be	AUX
fueconorg-13371	39	16	maintained	maintain	VERB
fueconorg-13371	39	17	by	by	ADP
fueconorg-13371	39	18	insurance	insurance	NOUN
fueconorg-13371	39	19	companies	company	NOUN
fueconorg-13371	39	20	which	which	PRON
fueconorg-13371	39	21	is	be	AUX
fueconorg-13371	39	22	heightened	heighten	VERB
fueconorg-13371	39	23	by	by	ADP
fueconorg-13371	39	24	appropriate	appropriate	ADJ
fueconorg-13371	39	25	equity	equity	NOUN
fueconorg-13371	39	26	financing	financing	NOUN
fueconorg-13371	39	27	levels	level	NOUN
fueconorg-13371	39	28	and	and	CCONJ
fueconorg-13371	39	29	reinsurance	reinsurance	NOUN
fueconorg-13371	39	30	participation	participation	NOUN
fueconorg-13371	39	31	by	by	ADP
fueconorg-13371	39	32	insurers	insurer	NOUN
fueconorg-13371	39	33	.	.	PUNCT
fueconorg-13371	40	1	nevertheless	nevertheless	ADV
fueconorg-13371	40	2	,	,	PUNCT
fueconorg-13371	40	3	the	the	DET
fueconorg-13371	40	4	interaction	interaction	NOUN
fueconorg-13371	40	5	between	between	ADP
fueconorg-13371	40	6	these	these	DET
fueconorg-13371	40	7	two	two	NUM
fueconorg-13371	40	8	financial	financial	ADJ
fueconorg-13371	40	9	strategies	strategy	NOUN
fueconorg-13371	40	10	remains	remain	VERB
fueconorg-13371	40	11	an	an	DET
fueconorg-13371	40	12	under	under	ADV
fueconorg-13371	40	13	-	-	PUNCT
fueconorg-13371	40	14	researched	research	VERB
fueconorg-13371	40	15	area	area	NOUN
fueconorg-13371	40	16	and	and	CCONJ
fueconorg-13371	40	17	an	an	DET
fueconorg-13371	40	18	area	area	NOUN
fueconorg-13371	40	19	of	of	ADP
fueconorg-13371	40	20	interest	interest	NOUN
fueconorg-13371	40	21	.	.	PUNCT
fueconorg-13371	41	1	there	there	PRON
fueconorg-13371	41	2	is	be	VERB
fueconorg-13371	41	3	still	still	ADV
fueconorg-13371	41	4	a	a	DET
fueconorg-13371	41	5	need	need	NOUN
fueconorg-13371	41	6	for	for	ADP
fueconorg-13371	41	7	the	the	DET
fueconorg-13371	41	8	comprehensive	comprehensive	ADJ
fueconorg-13371	41	9	understanding	understanding	NOUN
fueconorg-13371	41	10	of	of	ADP
fueconorg-13371	41	11	the	the	DET
fueconorg-13371	41	12	interplay	interplay	NOUN
fueconorg-13371	41	13	between	between	ADP
fueconorg-13371	41	14	reinsurance	reinsurance	NOUN
fueconorg-13371	41	15	utilization	utilization	NOUN
fueconorg-13371	41	16	and	and	CCONJ
fueconorg-13371	41	17	equity	equity	NOUN
fueconorg-13371	41	18	financing	financing	NOUN
fueconorg-13371	41	19	in	in	ADP
fueconorg-13371	41	20	the	the	DET
fueconorg-13371	41	21	non	non	ADJ
fueconorg-13371	41	22	-	-	ADJ
fueconorg-13371	41	23	life	life	ADJ
fueconorg-13371	41	24	insurance	insurance	NOUN
fueconorg-13371	41	25	sector	sector	NOUN
fueconorg-13371	41	26	.	.	PUNCT
fueconorg-13371	42	1	addressing	address	VERB
fueconorg-13371	42	2	this	this	DET
fueconorg-13371	42	3	problem	problem	NOUN
fueconorg-13371	42	4	is	be	AUX
fueconorg-13371	42	5	crucial	crucial	ADJ
fueconorg-13371	42	6	for	for	ADP
fueconorg-13371	42	7	strategic	strategic	ADJ
fueconorg-13371	42	8	decision	decision	NOUN
fueconorg-13371	42	9	-	-	PUNCT
fueconorg-13371	42	10	making	making	NOUN
fueconorg-13371	42	11	among	among	ADP
fueconorg-13371	42	12	insurers	insurer	NOUN
fueconorg-13371	42	13	,	,	PUNCT
fueconorg-13371	42	14	promoting	promote	VERB
fueconorg-13371	42	15	regulatory	regulatory	ADJ
fueconorg-13371	42	16	compliance	compliance	NOUN
fueconorg-13371	42	17	and	and	CCONJ
fueconorg-13371	42	18	enabling	enable	VERB
fueconorg-13371	42	19	a	a	DET
fueconorg-13371	42	20	resilient	resilient	ADJ
fueconorg-13371	42	21	non	non	ADJ
fueconorg-13371	42	22	-	-	ADJ
fueconorg-13371	42	23	life	life	ADJ
fueconorg-13371	42	24	insurance	insurance	NOUN
fueconorg-13371	42	25	industry	industry	NOUN
fueconorg-13371	42	26	in	in	ADP
fueconorg-13371	42	27	nigeria	nigeria	PROPN
fueconorg-13371	42	28	.	.	PUNCT
fueconorg-13371	43	1	therefore	therefore	ADV
fueconorg-13371	43	2	,	,	PUNCT
fueconorg-13371	43	3	this	this	DET
fueconorg-13371	43	4	study	study	NOUN
fueconorg-13371	43	5	shall	shall	AUX
fueconorg-13371	43	6	examine	examine	VERB
fueconorg-13371	43	7	the	the	DET
fueconorg-13371	43	8	nexus	nexus	NOUN
fueconorg-13371	43	9	between	between	ADP
fueconorg-13371	43	10	reinsurance	reinsurance	NOUN
fueconorg-13371	43	11	ceded	cede	VERB
fueconorg-13371	43	12	and	and	CCONJ
fueconorg-13371	43	13	equity	equity	NOUN
fueconorg-13371	43	14	financing	financing	NOUN
fueconorg-13371	43	15	and	and	CCONJ
fueconorg-13371	43	16	their	their	PRON
fueconorg-13371	43	17	implications	implication	NOUN
fueconorg-13371	43	18	for	for	ADP
fueconorg-13371	43	19	their	their	PRON
fueconorg-13371	43	20	long	long	ADJ
fueconorg-13371	43	21	-	-	PUNCT
fueconorg-13371	43	22	term	term	NOUN
fueconorg-13371	43	23	solvency	solvency	NOUN
fueconorg-13371	43	24	and	and	CCONJ
fueconorg-13371	43	25	profitability	profitability	NOUN
fueconorg-13371	43	26	.	.	PUNCT
fueconorg-13371	44	1	the	the	DET
fueconorg-13371	44	2	aim	aim	NOUN
fueconorg-13371	44	3	of	of	ADP
fueconorg-13371	44	4	this	this	DET
fueconorg-13371	44	5	study	study	NOUN
fueconorg-13371	44	6	is	be	AUX
fueconorg-13371	44	7	to	to	PART
fueconorg-13371	44	8	examine	examine	VERB
fueconorg-13371	44	9	the	the	DET
fueconorg-13371	44	10	relationship	relationship	NOUN
fueconorg-13371	44	11	between	between	ADP
fueconorg-13371	44	12	reinsurance	reinsurance	NOUN
fueconorg-13371	44	13	utilization	utilization	NOUN
fueconorg-13371	44	14	proxied	proxie	VERB
fueconorg-13371	44	15	by	by	ADP
fueconorg-13371	44	16	reinsurance	reinsurance	NOUN
fueconorg-13371	44	17	ceded	cede	VERB
fueconorg-13371	44	18	,	,	PUNCT
fueconorg-13371	44	19	and	and	CCONJ
fueconorg-13371	44	20	equity	equity	NOUN
fueconorg-13371	44	21	financing	financing	NOUN
fueconorg-13371	44	22	in	in	ADP
fueconorg-13371	44	23	non	non	ADJ
fueconorg-13371	44	24	-	-	ADJ
fueconorg-13371	44	25	life	life	ADJ
fueconorg-13371	44	26	companies	company	NOUN
fueconorg-13371	44	27	of	of	ADP
fueconorg-13371	44	28	the	the	DET
fueconorg-13371	44	29	nigerian	nigerian	ADJ
fueconorg-13371	44	30	insurance	insurance	NOUN
fueconorg-13371	44	31	industry	industry	NOUN
fueconorg-13371	44	32	.	.	PUNCT
fueconorg-13371	45	1	the	the	DET
fueconorg-13371	45	2	study	study	NOUN
fueconorg-13371	45	3	tests	test	VERB
fueconorg-13371	45	4	the	the	DET
fueconorg-13371	45	5	hypothesis	hypothesis	NOUN
fueconorg-13371	45	6	of	of	ADP
fueconorg-13371	45	7	no	no	DET
fueconorg-13371	45	8	significant	significant	ADJ
fueconorg-13371	45	9	relationship	relationship	NOUN
fueconorg-13371	45	10	between	between	ADP
fueconorg-13371	45	11	reinsurance	reinsurance	NOUN
fueconorg-13371	45	12	ceded	cede	VERB
fueconorg-13371	45	13	and	and	CCONJ
fueconorg-13371	45	14	equity	equity	NOUN
fueconorg-13371	45	15	of	of	ADP
fueconorg-13371	45	16	non	non	ADJ
fueconorg-13371	45	17	-	-	ADJ
fueconorg-13371	45	18	life	life	ADJ
fueconorg-13371	45	19	insurance	insurance	NOUN
fueconorg-13371	45	20	companies	company	NOUN
fueconorg-13371	45	21	.	.	PUNCT
fueconorg-13371	46	1	findings	finding	NOUN
fueconorg-13371	46	2	from	from	ADP
fueconorg-13371	46	3	this	this	DET
fueconorg-13371	46	4	study	study	NOUN
fueconorg-13371	46	5	would	would	AUX
fueconorg-13371	46	6	inform	inform	VERB
fueconorg-13371	46	7	policymakers	policymaker	NOUN
fueconorg-13371	46	8	and	and	CCONJ
fueconorg-13371	46	9	regulatory	regulatory	ADJ
fueconorg-13371	46	10	bodies	body	NOUN
fueconorg-13371	46	11	on	on	ADP
fueconorg-13371	46	12	the	the	DET
fueconorg-13371	46	13	development	development	NOUN
fueconorg-13371	46	14	of	of	ADP
fueconorg-13371	46	15	prudent	prudent	ADJ
fueconorg-13371	46	16	regulations	regulation	NOUN
fueconorg-13371	46	17	and	and	CCONJ
fueconorg-13371	46	18	policies	policy	NOUN
fueconorg-13371	46	19	that	that	PRON
fueconorg-13371	46	20	promote	promote	VERB
fueconorg-13371	46	21	responsible	responsible	ADJ
fueconorg-13371	46	22	capital	capital	NOUN
fueconorg-13371	46	23	and	and	CCONJ
fueconorg-13371	46	24	reinsurance	reinsurance	NOUN
fueconorg-13371	46	25	practices	practice	NOUN
fueconorg-13371	46	26	.	.	PUNCT
fueconorg-13371	47	1	it	it	PRON
fueconorg-13371	47	2	would	would	AUX
fueconorg-13371	47	3	guide	guide	VERB
fueconorg-13371	47	4	investors	investor	NOUN
fueconorg-13371	47	5	and	and	CCONJ
fueconorg-13371	47	6	shareholders	shareholder	NOUN
fueconorg-13371	47	7	in	in	ADP
fueconorg-13371	47	8	making	make	VERB
fueconorg-13371	47	9	informed	informed	ADJ
fueconorg-13371	47	10	investment	investment	NOUN
fueconorg-13371	47	11	decisions	decision	NOUN
fueconorg-13371	47	12	by	by	ADP
fueconorg-13371	47	13	providing	provide	VERB
fueconorg-13371	47	14	valuable	valuable	ADJ
fueconorg-13371	47	15	insights	insight	NOUN
fueconorg-13371	47	16	on	on	ADP
fueconorg-13371	47	17	understanding	understand	VERB
fueconorg-13371	47	18	how	how	SCONJ
fueconorg-13371	47	19	the	the	DET
fueconorg-13371	47	20	equity	equity	NOUN
fueconorg-13371	47	21	of	of	ADP
fueconorg-13371	47	22	insurance	insurance	NOUN
fueconorg-13371	47	23	companies	company	NOUN
fueconorg-13371	47	24	impacts	impact	VERB
fueconorg-13371	47	25	their	their	PRON
fueconorg-13371	47	26	risk	risk	NOUN
fueconorg-13371	47	27	and	and	CCONJ
fueconorg-13371	47	28	return	return	VERB
fueconorg-13371	47	29	profile	profile	NOUN
fueconorg-13371	47	30	.	.	PUNCT
fueconorg-13371	48	1	in	in	ADP
fueconorg-13371	48	2	the	the	DET
fueconorg-13371	48	3	light	light	NOUN
fueconorg-13371	48	4	of	of	ADP
fueconorg-13371	48	5	the	the	DET
fueconorg-13371	48	6	global	global	ADJ
fueconorg-13371	48	7	financial	financial	ADJ
fueconorg-13371	48	8	crises	crisis	NOUN
fueconorg-13371	48	9	and	and	CCONJ
fueconorg-13371	48	10	other	other	ADJ
fueconorg-13371	48	11	systemic	systemic	ADJ
fueconorg-13371	48	12	events	event	NOUN
fueconorg-13371	48	13	,	,	PUNCT
fueconorg-13371	48	14	this	this	DET
fueconorg-13371	48	15	study	study	NOUN
fueconorg-13371	48	16	provides	provide	VERB
fueconorg-13371	48	17	insights	insight	NOUN
fueconorg-13371	48	18	into	into	ADP
fueconorg-13371	48	19	how	how	SCONJ
fueconorg-13371	48	20	the	the	DET
fueconorg-13371	48	21	interaction	interaction	NOUN
fueconorg-13371	48	22	between	between	ADP
fueconorg-13371	48	23	capital	capital	NOUN
fueconorg-13371	48	24	structure	structure	NOUN
fueconorg-13371	48	25	and	and	CCONJ
fueconorg-13371	48	26	reinsurance	reinsurance	NOUN
fueconorg-13371	48	27	can	can	AUX
fueconorg-13371	48	28	affect	affect	VERB
fueconorg-13371	48	29	the	the	DET
fueconorg-13371	48	30	resilience	resilience	NOUN
fueconorg-13371	48	31	of	of	ADP
fueconorg-13371	48	32	the	the	DET
fueconorg-13371	48	33	insurance	insurance	NOUN
fueconorg-13371	48	34	industry	industry	NOUN
fueconorg-13371	48	35	.	.	PUNCT
fueconorg-13371	49	1	2.1	2.1	NUM
fueconorg-13371	49	2	.	.	PUNCT
fueconorg-13371	49	3	literature	literature	NOUN
fueconorg-13371	49	4	review	review	PROPN
fueconorg-13371	49	5	literature	literature	NOUN
fueconorg-13371	49	6	is	be	AUX
fueconorg-13371	49	7	reviewed	review	VERB
fueconorg-13371	49	8	under	under	ADP
fueconorg-13371	49	9	the	the	DET
fueconorg-13371	49	10	conceptual	conceptual	ADJ
fueconorg-13371	49	11	,	,	PUNCT
fueconorg-13371	49	12	theoretical	theoretical	ADJ
fueconorg-13371	49	13	and	and	CCONJ
fueconorg-13371	49	14	empirical	empirical	ADJ
fueconorg-13371	49	15	reviews	review	NOUN
fueconorg-13371	49	16	.	.	PUNCT
fueconorg-13371	50	1	2.1.1	2.1.1	X
fueconorg-13371	50	2	.	.	PUNCT
fueconorg-13371	50	3	conceptual	conceptual	ADJ
fueconorg-13371	50	4	review	review	NOUN
fueconorg-13371	50	5	reinsurance	reinsurance	NOUN
fueconorg-13371	50	6	as	as	SCONJ
fueconorg-13371	50	7	defined	define	VERB
fueconorg-13371	50	8	by	by	ADP
fueconorg-13371	50	9	mabelwane	mabelwane	PROPN
fueconorg-13371	50	10	(	(	PUNCT
fueconorg-13371	50	11	2021	2021	NUM
fueconorg-13371	50	12	)	)	PUNCT
fueconorg-13371	50	13	is	be	AUX
fueconorg-13371	50	14	a	a	DET
fueconorg-13371	50	15	contractual	contractual	ADJ
fueconorg-13371	50	16	arrangement	arrangement	NOUN
fueconorg-13371	50	17	among	among	ADP
fueconorg-13371	50	18	two	two	NUM
fueconorg-13371	50	19	entities	entity	NOUN
fueconorg-13371	50	20	,	,	PUNCT
fueconorg-13371	50	21	namely	namely	ADV
fueconorg-13371	50	22	the	the	DET
fueconorg-13371	50	23	reinsured	reinsure	VERB
fueconorg-13371	50	24	or	or	CCONJ
fueconorg-13371	50	25	ceding	cede	VERB
fueconorg-13371	50	26	company	company	NOUN
fueconorg-13371	50	27	and	and	CCONJ
fueconorg-13371	50	28	the	the	DET
fueconorg-13371	50	29	reinsurer	reinsurer	NOUN
fueconorg-13371	50	30	.	.	PUNCT
fueconorg-13371	51	1	the	the	DET
fueconorg-13371	51	2	reinsurer	reinsurer	NOUN
fueconorg-13371	51	3	undertakes	undertake	VERB
fueconorg-13371	51	4	to	to	PART
fueconorg-13371	51	5	assume	assume	VERB
fueconorg-13371	51	6	a	a	DET
fueconorg-13371	51	7	predetermined	predetermined	ADJ
fueconorg-13371	51	8	proportion	proportion	NOUN
fueconorg-13371	51	9	of	of	ADP
fueconorg-13371	51	10	risks	risk	NOUN
fueconorg-13371	51	11	as	as	SCONJ
fueconorg-13371	51	12	outlined	outline	VERB
fueconorg-13371	51	13	in	in	ADP
fueconorg-13371	51	14	the	the	DET
fueconorg-13371	51	15	contractual	contractual	ADJ
fueconorg-13371	51	16	terms	term	NOUN
fueconorg-13371	51	17	of	of	ADP
fueconorg-13371	51	18	the	the	DET
fueconorg-13371	51	19	reinsurance	reinsurance	NOUN
fueconorg-13371	51	20	contract	contract	NOUN
fueconorg-13371	51	21	with	with	ADP
fueconorg-13371	51	22	the	the	DET
fueconorg-13371	51	23	promise	promise	NOUN
fueconorg-13371	51	24	of	of	ADP
fueconorg-13371	51	25	indemnification	indemnification	NOUN
fueconorg-13371	51	26	on	on	ADP
fueconorg-13371	51	27	the	the	DET
fueconorg-13371	51	28	occurrence	occurrence	NOUN
fueconorg-13371	51	29	of	of	ADP
fueconorg-13371	51	30	the	the	DET
fueconorg-13371	51	31	assumed	assumed	ADJ
fueconorg-13371	51	32	risk	risk	NOUN
fueconorg-13371	51	33	.	.	PUNCT
fueconorg-13371	52	1	reinsurance	reinsurance	NOUN
fueconorg-13371	52	2	enables	enable	VERB
fueconorg-13371	52	3	the	the	DET
fueconorg-13371	52	4	sharing	sharing	NOUN
fueconorg-13371	52	5	of	of	ADP
fueconorg-13371	52	6	the	the	DET
fueconorg-13371	52	7	risk	risk	NOUN
fueconorg-13371	52	8	of	of	ADP
fueconorg-13371	52	9	unanticipated	unanticipated	ADJ
fueconorg-13371	52	10	loss	loss	NOUN
fueconorg-13371	52	11	experience	experience	NOUN
fueconorg-13371	52	12	among	among	ADP
fueconorg-13371	52	13	the	the	DET
fueconorg-13371	52	14	insurer	insurer	NOUN
fueconorg-13371	52	15	and	and	CCONJ
fueconorg-13371	52	16	reinsurer	reinsurer	NOUN
fueconorg-13371	52	17	,	,	PUNCT
fueconorg-13371	52	18	and	and	CCONJ
fueconorg-13371	52	19	enhances	enhance	VERB
fueconorg-13371	52	20	the	the	DET
fueconorg-13371	52	21	relationship	relationship	NOUN
fueconorg-13371	52	22	between	between	ADP
fueconorg-13371	52	23	the	the	DET
fueconorg-13371	52	24	two	two	NUM
fueconorg-13371	52	25	contracting	contracting	NOUN
fueconorg-13371	52	26	groups	group	NOUN
fueconorg-13371	52	27	while	while	SCONJ
fueconorg-13371	52	28	decreasing	decrease	VERB
fueconorg-13371	52	29	insolvency	insolvency	NOUN
fueconorg-13371	52	30	risk	risk	NOUN
fueconorg-13371	52	31	,	,	PUNCT
fueconorg-13371	52	32	and	and	CCONJ
fueconorg-13371	52	33	at	at	ADP
fueconorg-13371	52	34	the	the	DET
fueconorg-13371	52	35	same	same	ADJ
fueconorg-13371	52	36	time	time	NOUN
fueconorg-13371	52	37	leveraging	leverage	VERB
fueconorg-13371	52	38	the	the	DET
fueconorg-13371	52	39	business	business	NOUN
fueconorg-13371	52	40	.	.	PUNCT
fueconorg-13371	53	1	it	it	PRON
fueconorg-13371	53	2	also	also	ADV
fueconorg-13371	53	3	increases	increase	VERB
fueconorg-13371	53	4	loss	loss	NOUN
fueconorg-13371	53	5	stabilization	stabilization	NOUN
fueconorg-13371	53	6	,	,	PUNCT
fueconorg-13371	53	7	augments	augment	VERB
fueconorg-13371	53	8	underwriting	underwriting	NOUN
fueconorg-13371	53	9	capacity	capacity	NOUN
fueconorg-13371	53	10	and	and	CCONJ
fueconorg-13371	53	11	provides	provide	VERB
fueconorg-13371	53	12	a	a	DET
fueconorg-13371	53	13	safety	safety	NOUN
fueconorg-13371	53	14	cushion	cushion	NOUN
fueconorg-13371	53	15	in	in	ADP
fueconorg-13371	53	16	anticipation	anticipation	NOUN
fueconorg-13371	53	17	of	of	ADP
fueconorg-13371	53	18	catastrophic	catastrophic	ADJ
fueconorg-13371	53	19	loss	loss	NOUN
fueconorg-13371	53	20	.	.	PUNCT
fueconorg-13371	54	1	(	(	PUNCT
fueconorg-13371	54	2	aduloju	aduloju	PROPN
fueconorg-13371	54	3	&	&	CCONJ
fueconorg-13371	54	4	ajemunigbohun	ajemunigbohun	PROPN
fueconorg-13371	54	5	,	,	PUNCT
fueconorg-13371	54	6	2017	2017	NUM
fueconorg-13371	54	7	;	;	PUNCT
fueconorg-13371	54	8	cole	cole	PROPN
fueconorg-13371	54	9	,	,	PUNCT
fueconorg-13371	54	10	et	et	PROPN
fueconorg-13371	54	11	al	al	PROPN
fueconorg-13371	54	12	.	.	PROPN
fueconorg-13371	54	13	2011	2011	NUM
fueconorg-13371	54	14	;	;	PUNCT
fueconorg-13371	54	15	harrington	harrington	PROPN
fueconorg-13371	54	16	&	&	CCONJ
fueconorg-13371	54	17	niehaus	niehaus	PROPN
fueconorg-13371	54	18	,	,	PUNCT
fueconorg-13371	54	19	2000	2000	NUM
fueconorg-13371	54	20	;	;	PUNCT
fueconorg-13371	54	21	obalola	obalola	PROPN
fueconorg-13371	54	22	&	&	CCONJ
fueconorg-13371	54	23	abass	abass	PROPN
fueconorg-13371	54	24	,	,	PUNCT
fueconorg-13371	54	25	2016	2016	NUM
fueconorg-13371	54	26	;	;	PUNCT
fueconorg-13371	54	27	obalola	obalola	PROPN
fueconorg-13371	54	28	&	&	CCONJ
fueconorg-13371	54	29	ukpong	ukpong	PROPN
fueconorg-13371	54	30	,	,	PUNCT
fueconorg-13371	54	31	2022	2022	NUM
fueconorg-13371	54	32	)	)	PUNCT
fueconorg-13371	54	33	.	.	PUNCT
fueconorg-13371	55	1	reinsurance	reinsurance	NOUN
fueconorg-13371	55	2	utilization	utilization	NOUN
fueconorg-13371	55	3	is	be	AUX
fueconorg-13371	55	4	a	a	DET
fueconorg-13371	55	5	deliberate	deliberate	ADJ
fueconorg-13371	55	6	choice	choice	NOUN
fueconorg-13371	55	7	made	make	VERB
fueconorg-13371	55	8	by	by	ADP
fueconorg-13371	55	9	an	an	DET
fueconorg-13371	55	10	insurer	insurer	NOUN
fueconorg-13371	55	11	to	to	PART
fueconorg-13371	55	12	procure	procure	VERB
fueconorg-13371	55	13	reinsurance	reinsurance	NOUN
fueconorg-13371	55	14	taking	take	VERB
fueconorg-13371	55	15	into	into	ADP
fueconorg-13371	55	16	consideration	consideration	NOUN
fueconorg-13371	55	17	both	both	CCONJ
fueconorg-13371	55	18	the	the	DET
fueconorg-13371	55	19	immediate	immediate	ADJ
fueconorg-13371	55	20	and	and	CCONJ
fueconorg-13371	55	21	potential	potential	ADJ
fueconorg-13371	55	22	future	future	ADJ
fueconorg-13371	55	23	risks	risk	NOUN
fueconorg-13371	55	24	(	(	PUNCT
fueconorg-13371	55	25	abass	abass	PROPN
fueconorg-13371	55	26	&	&	CCONJ
fueconorg-13371	55	27	obalola	obalola	PROPN
fueconorg-13371	55	28	,	,	PUNCT
fueconorg-13371	55	29	2018	2018	NUM
fueconorg-13371	55	30	)	)	PUNCT
fueconorg-13371	55	31	.	.	PUNCT
fueconorg-13371	56	1	it	it	PRON
fueconorg-13371	56	2	is	be	AUX
fueconorg-13371	56	3	measured	measure	VERB
fueconorg-13371	56	4	by	by	ADP
fueconorg-13371	56	5	the	the	DET
fueconorg-13371	56	6	ratio	ratio	NOUN
fueconorg-13371	56	7	of	of	ADP
fueconorg-13371	56	8	ceded	ceded	ADJ
fueconorg-13371	56	9	reinsurance	reinsurance	NOUN
fueconorg-13371	56	10	(	(	PUNCT
fueconorg-13371	56	11	rcr	rcr	NOUN
fueconorg-13371	56	12	)	)	PUNCT
fueconorg-13371	56	13	and	and	CCONJ
fueconorg-13371	56	14	the	the	DET
fueconorg-13371	56	15	ratio	ratio	NOUN
fueconorg-13371	56	16	of	of	ADP
fueconorg-13371	56	17	reinsurance	reinsurance	NOUN
fueconorg-13371	56	18	recoverable	recoverable	ADJ
fueconorg-13371	56	19	to	to	PART
fueconorg-13371	56	20	policyholder	policyholder	VERB
fueconorg-13371	56	21	’s	’s	PART
fueconorg-13371	56	22	surplus	surplus	NOUN
fueconorg-13371	56	23	(	(	PUNCT
fueconorg-13371	56	24	rrphs	rrph	NOUN
fueconorg-13371	56	25	)	)	PUNCT
fueconorg-13371	56	26	.	.	PUNCT
fueconorg-13371	57	1	reinsurance	reinsurance	NOUN
fueconorg-13371	57	2	ceded	cede	VERB
fueconorg-13371	57	3	refers	refer	VERB
fueconorg-13371	57	4	to	to	ADP
fueconorg-13371	57	5	the	the	DET
fueconorg-13371	57	6	portion	portion	NOUN
fueconorg-13371	57	7	of	of	ADP
fueconorg-13371	57	8	risk	risk	NOUN
fueconorg-13371	57	9	that	that	PRON
fueconorg-13371	57	10	is	be	AUX
fueconorg-13371	57	11	ceded	cede	VERB
fueconorg-13371	57	12	to	to	ADP
fueconorg-13371	57	13	the	the	DET
fueconorg-13371	57	14	reinsurer	reinsurer	NOUN
fueconorg-13371	57	15	.	.	PUNCT
fueconorg-13371	58	1	it	it	PRON
fueconorg-13371	58	2	represents	represent	VERB
fueconorg-13371	58	3	the	the	DET
fueconorg-13371	58	4	portion	portion	NOUN
fueconorg-13371	58	5	of	of	ADP
fueconorg-13371	58	6	insurance	insurance	NOUN
fueconorg-13371	58	7	liabilities	liability	NOUN
fueconorg-13371	58	8	transferred	transfer	VERB
fueconorg-13371	58	9	to	to	ADP
fueconorg-13371	58	10	the	the	DET
fueconorg-13371	58	11	reinsurer	reinsurer	NOUN
fueconorg-13371	58	12	as	as	ADP
fueconorg-13371	58	13	a	a	DET
fueconorg-13371	58	14	substitute	substitute	NOUN
fueconorg-13371	58	15	for	for	ADP
fueconorg-13371	58	16	a	a	DET
fueconorg-13371	58	17	portion	portion	NOUN
fueconorg-13371	58	18	of	of	ADP
fueconorg-13371	58	19	premium	premium	NOUN
fueconorg-13371	58	20	income	income	NOUN
fueconorg-13371	58	21	deducted	deduct	VERB
fueconorg-13371	58	22	from	from	ADP
fueconorg-13371	58	23	the	the	DET
fueconorg-13371	58	24	gross	gross	ADJ
fueconorg-13371	58	25	premium	premium	NOUN
fueconorg-13371	58	26	income	income	NOUN
fueconorg-13371	58	27	.	.	PUNCT
fueconorg-13371	59	1	wosti	wosti	PROPN
fueconorg-13371	59	2	and	and	CCONJ
fueconorg-13371	59	3	pradhan	pradhan	PROPN
fueconorg-13371	59	4	(	(	PUNCT
fueconorg-13371	59	5	2023	2023	NUM
fueconorg-13371	59	6	)	)	PUNCT
fueconorg-13371	59	7	,	,	PUNCT
fueconorg-13371	59	8	comerford	comerford	NOUN
fueconorg-13371	59	9	,	,	PUNCT
fueconorg-13371	59	10	et	et	PROPN
fueconorg-13371	59	11	al	al	PROPN
fueconorg-13371	59	12	.	.	PROPN
fueconorg-13371	59	13	(	(	PUNCT
fueconorg-13371	59	14	2020	2020	NUM
fueconorg-13371	59	15	)	)	PUNCT
fueconorg-13371	59	16	and	and	CCONJ
fueconorg-13371	59	17	fadun	fadun	VERB
fueconorg-13371	59	18	,	,	PUNCT
fueconorg-13371	59	19	et	et	PROPN
fueconorg-13371	59	20	al	al	PROPN
fueconorg-13371	59	21	.	.	PROPN
fueconorg-13371	60	1	102	102	NUM
fueconorg-13371	60	2	m.	m.	NOUN
fueconorg-13371	60	3	s.	s.	PROPN
fueconorg-13371	60	4	ukpong	ukpong	PROPN
fueconorg-13371	60	5	,	,	PUNCT
fueconorg-13371	60	6	m.	m.	NOUN
fueconorg-13371	60	7	a.	a.	PROPN
fueconorg-13371	60	8	obalola	obalola	PROPN
fueconorg-13371	60	9	,	,	PUNCT
fueconorg-13371	60	10	i.	i.	PROPN
fueconorg-13371	60	11	adeleke	adeleke	PROPN
fueconorg-13371	60	12	(	(	PUNCT
fueconorg-13371	60	13	2023	2023	NUM
fueconorg-13371	60	14	)	)	PUNCT
fueconorg-13371	60	15	consider	consider	VERB
fueconorg-13371	60	16	reinsurance	reinsurance	NOUN
fueconorg-13371	60	17	cession	cession	NOUN
fueconorg-13371	60	18	as	as	ADP
fueconorg-13371	60	19	an	an	DET
fueconorg-13371	60	20	effective	effective	ADJ
fueconorg-13371	60	21	tool	tool	NOUN
fueconorg-13371	60	22	in	in	ADP
fueconorg-13371	60	23	which	which	PRON
fueconorg-13371	60	24	insurance	insurance	NOUN
fueconorg-13371	60	25	companies	company	NOUN
fueconorg-13371	60	26	shift	shift	VERB
fueconorg-13371	60	27	part	part	NOUN
fueconorg-13371	60	28	of	of	ADP
fueconorg-13371	60	29	their	their	PRON
fueconorg-13371	60	30	risk	risk	NOUN
fueconorg-13371	60	31	in	in	ADP
fueconorg-13371	60	32	the	the	DET
fueconorg-13371	60	33	insurance	insurance	NOUN
fueconorg-13371	60	34	process	process	NOUN
fueconorg-13371	60	35	.	.	PUNCT
fueconorg-13371	61	1	a	a	DET
fueconorg-13371	61	2	lower	low	ADJ
fueconorg-13371	61	3	ratio	ratio	NOUN
fueconorg-13371	61	4	represents	represent	VERB
fueconorg-13371	61	5	higher	high	ADJ
fueconorg-13371	61	6	risk	risk	NOUN
fueconorg-13371	61	7	retention	retention	NOUN
fueconorg-13371	61	8	by	by	ADP
fueconorg-13371	61	9	the	the	DET
fueconorg-13371	61	10	company	company	NOUN
fueconorg-13371	61	11	and	and	CCONJ
fueconorg-13371	61	12	greater	great	ADJ
fueconorg-13371	61	13	exposure	exposure	NOUN
fueconorg-13371	61	14	to	to	ADP
fueconorg-13371	61	15	potential	potential	ADJ
fueconorg-13371	61	16	losses	loss	NOUN
fueconorg-13371	61	17	whereas	whereas	SCONJ
fueconorg-13371	61	18	a	a	DET
fueconorg-13371	61	19	high	high	ADJ
fueconorg-13371	61	20	ratio	ratio	NOUN
fueconorg-13371	61	21	indicates	indicate	VERB
fueconorg-13371	61	22	the	the	DET
fueconorg-13371	61	23	cession	cession	NOUN
fueconorg-13371	61	24	of	of	ADP
fueconorg-13371	61	25	a	a	DET
fueconorg-13371	61	26	large	large	ADJ
fueconorg-13371	61	27	proportion	proportion	NOUN
fueconorg-13371	61	28	of	of	ADP
fueconorg-13371	61	29	risk	risk	NOUN
fueconorg-13371	61	30	to	to	ADP
fueconorg-13371	61	31	the	the	DET
fueconorg-13371	61	32	reinsurers	reinsurer	NOUN
fueconorg-13371	61	33	,	,	PUNCT
fueconorg-13371	61	34	which	which	PRON
fueconorg-13371	61	35	implies	imply	VERB
fueconorg-13371	61	36	that	that	SCONJ
fueconorg-13371	61	37	the	the	DET
fueconorg-13371	61	38	insurance	insurance	NOUN
fueconorg-13371	61	39	company	company	NOUN
fueconorg-13371	61	40	is	be	AUX
fueconorg-13371	61	41	effectively	effectively	ADV
fueconorg-13371	61	42	utilizing	utilize	VERB
fueconorg-13371	61	43	reinsurance	reinsurance	NOUN
fueconorg-13371	61	44	to	to	PART
fueconorg-13371	61	45	manage	manage	VERB
fueconorg-13371	61	46	its	its	PRON
fueconorg-13371	61	47	risks	risk	NOUN
fueconorg-13371	61	48	(	(	PUNCT
fueconorg-13371	61	49	carneiro	carneiro	PROPN
fueconorg-13371	61	50	&	&	CCONJ
fueconorg-13371	61	51	sherris	sherris	PROPN
fueconorg-13371	61	52	,	,	PUNCT
fueconorg-13371	61	53	2005	2005	NUM
fueconorg-13371	61	54	;	;	PUNCT
fueconorg-13371	61	55	boyer	boyer	PROPN
fueconorg-13371	61	56	&	&	CCONJ
fueconorg-13371	61	57	dupont	dupont	PROPN
fueconorg-13371	61	58	-	-	PUNCT
fueconorg-13371	61	59	courtade	courtade	NOUN
fueconorg-13371	61	60	,	,	PUNCT
fueconorg-13371	61	61	2013	2013	NUM
fueconorg-13371	61	62	;	;	PUNCT
fueconorg-13371	61	63	mabelwane	mabelwane	ADJ
fueconorg-13371	61	64	,	,	PUNCT
fueconorg-13371	61	65	2021	2021	NUM
fueconorg-13371	61	66	)	)	PUNCT
fueconorg-13371	61	67	.	.	PUNCT
fueconorg-13371	62	1	companies	company	NOUN
fueconorg-13371	62	2	with	with	ADP
fueconorg-13371	62	3	high	high	ADJ
fueconorg-13371	62	4	ceded	cede	VERB
fueconorg-13371	62	5	ratios	ratio	NOUN
fueconorg-13371	62	6	which	which	PRON
fueconorg-13371	62	7	have	have	AUX
fueconorg-13371	62	8	transferred	transfer	VERB
fueconorg-13371	62	9	a	a	DET
fueconorg-13371	62	10	large	large	ADJ
fueconorg-13371	62	11	portion	portion	NOUN
fueconorg-13371	62	12	of	of	ADP
fueconorg-13371	62	13	risks	risk	NOUN
fueconorg-13371	62	14	may	may	AUX
fueconorg-13371	62	15	concentrate	concentrate	VERB
fueconorg-13371	62	16	on	on	ADP
fueconorg-13371	62	17	increasing	increase	VERB
fueconorg-13371	62	18	their	their	PRON
fueconorg-13371	62	19	underwriting	underwriting	NOUN
fueconorg-13371	62	20	profitability	profitability	NOUN
fueconorg-13371	62	21	and	and	CCONJ
fueconorg-13371	62	22	risk	risk	NOUN
fueconorg-13371	62	23	reduction	reduction	NOUN
fueconorg-13371	62	24	.	.	PUNCT
fueconorg-13371	63	1	those	those	PRON
fueconorg-13371	63	2	with	with	ADP
fueconorg-13371	63	3	lower	low	ADJ
fueconorg-13371	63	4	ceded	ceded	ADJ
fueconorg-13371	63	5	ratios	ratio	NOUN
fueconorg-13371	63	6	may	may	AUX
fueconorg-13371	63	7	indulge	indulge	VERB
fueconorg-13371	63	8	in	in	ADP
fueconorg-13371	63	9	strategies	strategy	NOUN
fueconorg-13371	63	10	of	of	ADP
fueconorg-13371	63	11	retaining	retain	VERB
fueconorg-13371	63	12	more	more	ADJ
fueconorg-13371	63	13	risk	risk	NOUN
fueconorg-13371	63	14	to	to	PART
fueconorg-13371	63	15	generate	generate	VERB
fueconorg-13371	63	16	higher	high	ADJ
fueconorg-13371	63	17	underwriting	underwriting	NOUN
fueconorg-13371	63	18	profits	profit	NOUN
fueconorg-13371	63	19	.	.	PUNCT
fueconorg-13371	64	1	kocurek	kocurek	NOUN
fueconorg-13371	64	2	(	(	PUNCT
fueconorg-13371	64	3	2024	2024	NUM
fueconorg-13371	64	4	)	)	PUNCT
fueconorg-13371	64	5	reiterates	reiterate	VERB
fueconorg-13371	64	6	that	that	SCONJ
fueconorg-13371	64	7	reinsurance	reinsurance	NOUN
fueconorg-13371	64	8	enables	enable	VERB
fueconorg-13371	64	9	the	the	DET
fueconorg-13371	64	10	stabilization	stabilization	NOUN
fueconorg-13371	64	11	of	of	ADP
fueconorg-13371	64	12	potential	potential	ADJ
fueconorg-13371	64	13	losses	loss	NOUN
fueconorg-13371	64	14	,	,	PUNCT
fueconorg-13371	64	15	increased	increase	VERB
fueconorg-13371	64	16	capacity	capacity	NOUN
fueconorg-13371	64	17	and	and	CCONJ
fueconorg-13371	64	18	reduced	reduce	VERB
fueconorg-13371	64	19	capital	capital	NOUN
fueconorg-13371	64	20	costs	cost	NOUN
fueconorg-13371	64	21	through	through	ADP
fueconorg-13371	64	22	the	the	DET
fueconorg-13371	64	23	limit	limit	NOUN
fueconorg-13371	64	24	on	on	ADP
fueconorg-13371	64	25	liability	liability	NOUN
fueconorg-13371	64	26	on	on	ADP
fueconorg-13371	64	27	specific	specific	ADJ
fueconorg-13371	64	28	risks	risk	NOUN
fueconorg-13371	64	29	.	.	PUNCT
fueconorg-13371	65	1	in	in	ADP
fueconorg-13371	65	2	a	a	DET
fueconorg-13371	65	3	related	related	ADJ
fueconorg-13371	65	4	argument	argument	NOUN
fueconorg-13371	65	5	,	,	PUNCT
fueconorg-13371	65	6	cedar	cedar	NOUN
fueconorg-13371	65	7	and	and	CCONJ
fueconorg-13371	65	8	thompson	thompson	PROPN
fueconorg-13371	65	9	(	(	PUNCT
fueconorg-13371	65	10	2020	2020	NUM
fueconorg-13371	65	11	)	)	PUNCT
fueconorg-13371	65	12	opine	opine	VERB
fueconorg-13371	65	13	that	that	SCONJ
fueconorg-13371	65	14	an	an	DET
fueconorg-13371	65	15	insurer	insurer	NOUN
fueconorg-13371	65	16	may	may	AUX
fueconorg-13371	65	17	cede	cede	VERB
fueconorg-13371	65	18	per	per	ADP
fueconorg-13371	65	19	-	-	PUNCT
fueconorg-13371	65	20	risk	risk	NOUN
fueconorg-13371	65	21	reinsurance	reinsurance	NOUN
fueconorg-13371	65	22	even	even	ADV
fueconorg-13371	65	23	to	to	ADP
fueconorg-13371	65	24	the	the	DET
fueconorg-13371	65	25	extent	extent	NOUN
fueconorg-13371	65	26	of	of	ADP
fueconorg-13371	65	27	a	a	DET
fueconorg-13371	65	28	large	large	ADJ
fueconorg-13371	65	29	portion	portion	NOUN
fueconorg-13371	65	30	of	of	ADP
fueconorg-13371	65	31	each	each	DET
fueconorg-13371	65	32	contract	contract	NOUN
fueconorg-13371	65	33	as	as	ADP
fueconorg-13371	65	34	an	an	DET
fueconorg-13371	65	35	internal	internal	ADJ
fueconorg-13371	65	36	threshold	threshold	NOUN
fueconorg-13371	65	37	to	to	PART
fueconorg-13371	65	38	guard	guard	VERB
fueconorg-13371	65	39	against	against	ADP
fueconorg-13371	65	40	exposing	expose	VERB
fueconorg-13371	65	41	the	the	DET
fueconorg-13371	65	42	company	company	NOUN
fueconorg-13371	65	43	to	to	PART
fueconorg-13371	65	44	outsized	outsized	ADJ
fueconorg-13371	65	45	,	,	PUNCT
fueconorg-13371	65	46	individualized	individualized	ADJ
fueconorg-13371	65	47	risks	risk	NOUN
fueconorg-13371	65	48	.	.	PUNCT
fueconorg-13371	66	1	this	this	DET
fueconorg-13371	66	2	strategy	strategy	NOUN
fueconorg-13371	66	3	not	not	PART
fueconorg-13371	66	4	only	only	ADV
fueconorg-13371	66	5	satisfies	satisfy	VERB
fueconorg-13371	66	6	the	the	DET
fueconorg-13371	66	7	market	market	NOUN
fueconorg-13371	66	8	’s	’s	PART
fueconorg-13371	66	9	demand	demand	NOUN
fueconorg-13371	66	10	for	for	ADP
fueconorg-13371	66	11	coverage	coverage	NOUN
fueconorg-13371	66	12	,	,	PUNCT
fueconorg-13371	66	13	but	but	CCONJ
fueconorg-13371	66	14	also	also	ADV
fueconorg-13371	66	15	stabilizes	stabilize	VERB
fueconorg-13371	66	16	its	its	PRON
fueconorg-13371	66	17	internal	internal	ADJ
fueconorg-13371	66	18	financing	financing	NOUN
fueconorg-13371	66	19	thresholds	threshold	NOUN
fueconorg-13371	66	20	.	.	PUNCT
fueconorg-13371	67	1	2.1.2	2.1.2	X
fueconorg-13371	67	2	.	.	PUNCT
fueconorg-13371	67	3	equity	equity	NOUN
fueconorg-13371	67	4	financing	financing	NOUN
fueconorg-13371	67	5	equity	equity	NOUN
fueconorg-13371	67	6	involves	involve	VERB
fueconorg-13371	67	7	the	the	DET
fueconorg-13371	67	8	issue	issue	NOUN
fueconorg-13371	67	9	of	of	ADP
fueconorg-13371	67	10	shares	share	NOUN
fueconorg-13371	67	11	aimed	aim	VERB
fueconorg-13371	67	12	at	at	ADP
fueconorg-13371	67	13	raising	raise	VERB
fueconorg-13371	67	14	financial	financial	ADJ
fueconorg-13371	67	15	resources	resource	NOUN
fueconorg-13371	67	16	for	for	ADP
fueconorg-13371	67	17	the	the	DET
fueconorg-13371	67	18	company	company	NOUN
fueconorg-13371	67	19	’s	’s	PART
fueconorg-13371	67	20	operations	operation	NOUN
fueconorg-13371	67	21	.	.	PUNCT
fueconorg-13371	68	1	opoku	opoku	PROPN
fueconorg-13371	68	2	-	-	PUNCT
fueconorg-13371	68	3	asante	asante	PROPN
fueconorg-13371	68	4	(	(	PUNCT
fueconorg-13371	68	5	2021	2021	NUM
fueconorg-13371	68	6	)	)	PUNCT
fueconorg-13371	68	7	opines	opine	VERB
fueconorg-13371	68	8	that	that	SCONJ
fueconorg-13371	68	9	,	,	PUNCT
fueconorg-13371	68	10	as	as	ADP
fueconorg-13371	68	11	a	a	DET
fueconorg-13371	68	12	form	form	NOUN
fueconorg-13371	68	13	of	of	ADP
fueconorg-13371	68	14	capital	capital	NOUN
fueconorg-13371	68	15	structure	structure	NOUN
fueconorg-13371	68	16	,	,	PUNCT
fueconorg-13371	68	17	equity	equity	NOUN
fueconorg-13371	68	18	is	be	AUX
fueconorg-13371	68	19	one	one	NUM
fueconorg-13371	68	20	of	of	ADP
fueconorg-13371	68	21	the	the	DET
fueconorg-13371	68	22	securities	security	NOUN
fueconorg-13371	68	23	used	use	VERB
fueconorg-13371	68	24	by	by	ADP
fueconorg-13371	68	25	a	a	DET
fueconorg-13371	68	26	company	company	NOUN
fueconorg-13371	68	27	to	to	PART
fueconorg-13371	68	28	fund	fund	VERB
fueconorg-13371	68	29	its	its	PRON
fueconorg-13371	68	30	investment	investment	NOUN
fueconorg-13371	68	31	operations	operation	NOUN
fueconorg-13371	68	32	.	.	PUNCT
fueconorg-13371	69	1	it	it	PRON
fueconorg-13371	69	2	enables	enable	VERB
fueconorg-13371	69	3	investors	investor	NOUN
fueconorg-13371	69	4	to	to	PART
fueconorg-13371	69	5	participate	participate	VERB
fueconorg-13371	69	6	in	in	ADP
fueconorg-13371	69	7	the	the	DET
fueconorg-13371	69	8	dividends	dividend	NOUN
fueconorg-13371	69	9	from	from	ADP
fueconorg-13371	69	10	the	the	DET
fueconorg-13371	69	11	company	company	NOUN
fueconorg-13371	69	12	and	and	CCONJ
fueconorg-13371	69	13	also	also	ADV
fueconorg-13371	69	14	benefit	benefit	VERB
fueconorg-13371	69	15	when	when	SCONJ
fueconorg-13371	69	16	the	the	DET
fueconorg-13371	69	17	share	share	NOUN
fueconorg-13371	69	18	price	price	NOUN
fueconorg-13371	69	19	rises	rise	NOUN
fueconorg-13371	69	20	.	.	PUNCT
fueconorg-13371	70	1	it	it	PRON
fueconorg-13371	70	2	serves	serve	VERB
fueconorg-13371	70	3	as	as	ADP
fueconorg-13371	70	4	an	an	DET
fueconorg-13371	70	5	important	important	ADJ
fueconorg-13371	70	6	source	source	NOUN
fueconorg-13371	70	7	of	of	ADP
fueconorg-13371	70	8	funding	funding	NOUN
fueconorg-13371	70	9	when	when	SCONJ
fueconorg-13371	70	10	the	the	DET
fueconorg-13371	70	11	firm	firm	NOUN
fueconorg-13371	70	12	is	be	AUX
fueconorg-13371	70	13	at	at	ADP
fueconorg-13371	70	14	its	its	PRON
fueconorg-13371	70	15	infant	infant	NOUN
fueconorg-13371	70	16	stage	stage	NOUN
fueconorg-13371	70	17	.	.	PUNCT
fueconorg-13371	71	1	modugu	modugu	NOUN
fueconorg-13371	71	2	and	and	CCONJ
fueconorg-13371	71	3	eragbhe	eragbhe	NOUN
fueconorg-13371	71	4	(	(	PUNCT
fueconorg-13371	71	5	2015	2015	NUM
fueconorg-13371	71	6	)	)	PUNCT
fueconorg-13371	71	7	assert	assert	VERB
fueconorg-13371	71	8	that	that	SCONJ
fueconorg-13371	71	9	internal	internal	ADJ
fueconorg-13371	71	10	equity	equity	NOUN
fueconorg-13371	71	11	is	be	AUX
fueconorg-13371	71	12	an	an	DET
fueconorg-13371	71	13	aspect	aspect	NOUN
fueconorg-13371	71	14	of	of	ADP
fueconorg-13371	71	15	the	the	DET
fueconorg-13371	71	16	distributable	distributable	ADJ
fueconorg-13371	71	17	reserves	reserve	NOUN
fueconorg-13371	71	18	in	in	ADP
fueconorg-13371	71	19	the	the	DET
fueconorg-13371	71	20	statement	statement	NOUN
fueconorg-13371	71	21	of	of	ADP
fueconorg-13371	71	22	financial	financial	ADJ
fueconorg-13371	71	23	position	position	NOUN
fueconorg-13371	71	24	that	that	PRON
fueconorg-13371	71	25	is	be	AUX
fueconorg-13371	71	26	reinvested	reinveste	VERB
fueconorg-13371	71	27	into	into	ADP
fueconorg-13371	71	28	the	the	DET
fueconorg-13371	71	29	business	business	NOUN
fueconorg-13371	71	30	as	as	ADP
fueconorg-13371	71	31	internal	internal	ADJ
fueconorg-13371	71	32	equity	equity	NOUN
fueconorg-13371	71	33	.	.	PUNCT
fueconorg-13371	72	1	external	external	ADJ
fueconorg-13371	72	2	equity	equity	NOUN
fueconorg-13371	72	3	is	be	AUX
fueconorg-13371	72	4	gotten	get	VERB
fueconorg-13371	72	5	from	from	ADP
fueconorg-13371	72	6	the	the	DET
fueconorg-13371	72	7	issue	issue	NOUN
fueconorg-13371	72	8	of	of	ADP
fueconorg-13371	72	9	shares	share	NOUN
fueconorg-13371	72	10	and	and	CCONJ
fueconorg-13371	72	11	comprises	comprise	VERB
fueconorg-13371	72	12	the	the	DET
fueconorg-13371	72	13	ordinary	ordinary	ADJ
fueconorg-13371	72	14	share	share	NOUN
fueconorg-13371	72	15	capital	capital	NOUN
fueconorg-13371	72	16	and	and	CCONJ
fueconorg-13371	72	17	preference	preference	NOUN
fueconorg-13371	72	18	share	share	NOUN
fueconorg-13371	72	19	capital	capital	NOUN
fueconorg-13371	72	20	.	.	PUNCT
fueconorg-13371	73	1	equity	equity	NOUN
fueconorg-13371	73	2	financing	financing	NOUN
fueconorg-13371	73	3	holds	hold	VERB
fueconorg-13371	73	4	tremendous	tremendous	ADJ
fueconorg-13371	73	5	benefits	benefit	NOUN
fueconorg-13371	73	6	for	for	ADP
fueconorg-13371	73	7	the	the	DET
fueconorg-13371	73	8	firm	firm	NOUN
fueconorg-13371	73	9	.	.	PUNCT
fueconorg-13371	74	1	for	for	ADP
fueconorg-13371	74	2	instance	instance	NOUN
fueconorg-13371	74	3	,	,	PUNCT
fueconorg-13371	74	4	it	it	PRON
fueconorg-13371	74	5	is	be	AUX
fueconorg-13371	74	6	particularly	particularly	ADV
fueconorg-13371	74	7	useful	useful	ADJ
fueconorg-13371	74	8	when	when	SCONJ
fueconorg-13371	74	9	a	a	DET
fueconorg-13371	74	10	company	company	NOUN
fueconorg-13371	74	11	is	be	AUX
fueconorg-13371	74	12	at	at	ADP
fueconorg-13371	74	13	its	its	PRON
fueconorg-13371	74	14	start	start	NOUN
fueconorg-13371	74	15	-	-	PUNCT
fueconorg-13371	74	16	up	up	NOUN
fueconorg-13371	74	17	as	as	SCONJ
fueconorg-13371	74	18	there	there	PRON
fueconorg-13371	74	19	is	be	VERB
fueconorg-13371	74	20	no	no	DET
fueconorg-13371	74	21	need	need	NOUN
fueconorg-13371	74	22	to	to	PART
fueconorg-13371	74	23	arrange	arrange	VERB
fueconorg-13371	74	24	for	for	ADP
fueconorg-13371	74	25	loans	loan	NOUN
fueconorg-13371	74	26	from	from	ADP
fueconorg-13371	74	27	banks	bank	NOUN
fueconorg-13371	74	28	,	,	PUNCT
fueconorg-13371	74	29	etc	etc	X
fueconorg-13371	74	30	.	.	X
fueconorg-13371	75	1	unlike	unlike	ADP
fueconorg-13371	75	2	debt	debt	NOUN
fueconorg-13371	75	3	,	,	PUNCT
fueconorg-13371	75	4	the	the	DET
fueconorg-13371	75	5	company	company	NOUN
fueconorg-13371	75	6	is	be	AUX
fueconorg-13371	75	7	not	not	PART
fueconorg-13371	75	8	indebted	indebte	VERB
fueconorg-13371	75	9	to	to	ADP
fueconorg-13371	75	10	its	its	PRON
fueconorg-13371	75	11	shareholders	shareholder	NOUN
fueconorg-13371	75	12	and	and	CCONJ
fueconorg-13371	75	13	investors	investor	NOUN
fueconorg-13371	75	14	.	.	PUNCT
fueconorg-13371	76	1	this	this	PRON
fueconorg-13371	76	2	makes	make	VERB
fueconorg-13371	76	3	it	it	PRON
fueconorg-13371	76	4	less	less	ADV
fueconorg-13371	76	5	risky	risky	ADJ
fueconorg-13371	76	6	in	in	ADP
fueconorg-13371	76	7	comparison	comparison	NOUN
fueconorg-13371	76	8	to	to	ADP
fueconorg-13371	76	9	debt	debt	NOUN
fueconorg-13371	76	10	financing	financing	NOUN
fueconorg-13371	76	11	.	.	PUNCT
fueconorg-13371	77	1	steve	steve	PROPN
fueconorg-13371	77	2	(	(	PUNCT
fueconorg-13371	77	3	2021	2021	NUM
fueconorg-13371	77	4	)	)	PUNCT
fueconorg-13371	77	5	opines	opine	VERB
fueconorg-13371	77	6	that	that	SCONJ
fueconorg-13371	77	7	equity	equity	NOUN
fueconorg-13371	77	8	financing	financing	NOUN
fueconorg-13371	77	9	bestows	bestow	VERB
fueconorg-13371	77	10	legitimacy	legitimacy	NOUN
fueconorg-13371	77	11	on	on	ADP
fueconorg-13371	77	12	companies	company	NOUN
fueconorg-13371	77	13	by	by	ADP
fueconorg-13371	77	14	facilitating	facilitate	VERB
fueconorg-13371	77	15	their	their	PRON
fueconorg-13371	77	16	access	access	NOUN
fueconorg-13371	77	17	to	to	ADP
fueconorg-13371	77	18	investor	investor	NOUN
fueconorg-13371	77	19	networks	network	NOUN
fueconorg-13371	77	20	thereby	thereby	ADV
fueconorg-13371	77	21	bolstering	bolster	VERB
fueconorg-13371	77	22	their	their	PRON
fueconorg-13371	77	23	credibility	credibility	NOUN
fueconorg-13371	77	24	and	and	CCONJ
fueconorg-13371	77	25	solidifying	solidify	VERB
fueconorg-13371	77	26	their	their	PRON
fueconorg-13371	77	27	position	position	NOUN
fueconorg-13371	77	28	within	within	ADP
fueconorg-13371	77	29	the	the	DET
fueconorg-13371	77	30	market	market	NOUN
fueconorg-13371	77	31	.	.	PUNCT
fueconorg-13371	78	1	equity	equity	NOUN
fueconorg-13371	78	2	financing	financing	NOUN
fueconorg-13371	78	3	and	and	CCONJ
fueconorg-13371	78	4	reinsurance	reinsurance	NOUN
fueconorg-13371	78	5	utilization	utilization	NOUN
fueconorg-13371	78	6	are	be	AUX
fueconorg-13371	78	7	influenced	influence	VERB
fueconorg-13371	78	8	by	by	ADP
fueconorg-13371	78	9	various	various	ADJ
fueconorg-13371	78	10	factors	factor	NOUN
fueconorg-13371	78	11	such	such	ADJ
fueconorg-13371	78	12	as	as	ADP
fueconorg-13371	78	13	the	the	DET
fueconorg-13371	78	14	solvency	solvency	NOUN
fueconorg-13371	78	15	of	of	ADP
fueconorg-13371	78	16	the	the	DET
fueconorg-13371	78	17	company	company	NOUN
fueconorg-13371	78	18	,	,	PUNCT
fueconorg-13371	78	19	underwriting	underwriting	NOUN
fueconorg-13371	78	20	risk	risk	NOUN
fueconorg-13371	78	21	,	,	PUNCT
fueconorg-13371	78	22	profitability	profitability	NOUN
fueconorg-13371	78	23	of	of	ADP
fueconorg-13371	78	24	the	the	DET
fueconorg-13371	78	25	firm	firm	ADJ
fueconorg-13371	78	26	,	,	PUNCT
fueconorg-13371	78	27	firm	firm	ADJ
fueconorg-13371	78	28	size	size	NOUN
fueconorg-13371	78	29	and	and	CCONJ
fueconorg-13371	78	30	the	the	DET
fueconorg-13371	78	31	different	different	ADJ
fueconorg-13371	78	32	classes	class	NOUN
fueconorg-13371	78	33	of	of	ADP
fueconorg-13371	78	34	business	business	NOUN
fueconorg-13371	78	35	undertaken	undertake	VERB
fueconorg-13371	78	36	by	by	ADP
fueconorg-13371	78	37	the	the	DET
fueconorg-13371	78	38	insurance	insurance	NOUN
fueconorg-13371	78	39	company	company	NOUN
fueconorg-13371	78	40	(	(	PUNCT
fueconorg-13371	78	41	e.g.	e.g.	ADV
fueconorg-13371	78	42	fire	fire	NOUN
fueconorg-13371	78	43	,	,	PUNCT
fueconorg-13371	78	44	motor	motor	NOUN
fueconorg-13371	78	45	,	,	PUNCT
fueconorg-13371	78	46	theft	theft	NOUN
fueconorg-13371	78	47	etc	etc	X
fueconorg-13371	78	48	)	)	PUNCT
fueconorg-13371	78	49	.	.	PUNCT
fueconorg-13371	79	1	2.2	2.2	NUM
fueconorg-13371	79	2	.	.	PUNCT
fueconorg-13371	80	1	theoretical	theoretical	ADJ
fueconorg-13371	80	2	review	review	NOUN
fueconorg-13371	80	3	2.2.1	2.2.1	NUM
fueconorg-13371	80	4	.	.	PUNCT
fueconorg-13371	81	1	expected	expect	VERB
fueconorg-13371	81	2	bankruptcy	bankruptcy	NOUN
fueconorg-13371	81	3	cost	cost	NOUN
fueconorg-13371	81	4	argument	argument	NOUN
fueconorg-13371	81	5	this	this	DET
fueconorg-13371	81	6	theory	theory	NOUN
fueconorg-13371	81	7	states	state	VERB
fueconorg-13371	81	8	that	that	SCONJ
fueconorg-13371	81	9	the	the	DET
fueconorg-13371	81	10	probable	probable	ADJ
fueconorg-13371	81	11	costs	cost	NOUN
fueconorg-13371	81	12	associated	associate	VERB
fueconorg-13371	81	13	with	with	ADP
fueconorg-13371	81	14	bankruptcy	bankruptcy	NOUN
fueconorg-13371	81	15	are	be	AUX
fueconorg-13371	81	16	a	a	DET
fueconorg-13371	81	17	major	major	ADJ
fueconorg-13371	81	18	consideration	consideration	NOUN
fueconorg-13371	81	19	for	for	ADP
fueconorg-13371	81	20	companies	company	NOUN
fueconorg-13371	81	21	in	in	ADP
fueconorg-13371	81	22	making	make	VERB
fueconorg-13371	81	23	capital	capital	NOUN
fueconorg-13371	81	24	structure	structure	NOUN
fueconorg-13371	81	25	decisions	decision	NOUN
fueconorg-13371	81	26	.	.	PUNCT
fueconorg-13371	82	1	it	it	PRON
fueconorg-13371	82	2	is	be	AUX
fueconorg-13371	82	3	obtained	obtain	VERB
fueconorg-13371	82	4	from	from	ADP
fueconorg-13371	82	5	the	the	DET
fueconorg-13371	82	6	collective	collective	ADJ
fueconorg-13371	82	7	works	work	NOUN
fueconorg-13371	82	8	of	of	ADP
fueconorg-13371	82	9	haugen	haugen	PROPN
fueconorg-13371	82	10	and	and	CCONJ
fueconorg-13371	82	11	senbet	senbet	PROPN
fueconorg-13371	82	12	,	,	PUNCT
fueconorg-13371	82	13	(	(	PUNCT
fueconorg-13371	82	14	1978	1978	NUM
fueconorg-13371	82	15	)	)	PUNCT
fueconorg-13371	82	16	;	;	PUNCT
fueconorg-13371	82	17	modigliani	modigliani	PROPN
fueconorg-13371	82	18	and	and	CCONJ
fueconorg-13371	82	19	miller	miller	PROPN
fueconorg-13371	82	20	,	,	PUNCT
fueconorg-13371	82	21	(	(	PUNCT
fueconorg-13371	82	22	1963	1963	NUM
fueconorg-13371	82	23	)	)	PUNCT
fueconorg-13371	82	24	;	;	PUNCT
fueconorg-13371	82	25	myers	myer	NOUN
fueconorg-13371	82	26	(	(	PUNCT
fueconorg-13371	82	27	1984	1984	NUM
fueconorg-13371	82	28	)	)	PUNCT
fueconorg-13371	82	29	.	.	PUNCT
fueconorg-13371	83	1	it	it	PRON
fueconorg-13371	83	2	implies	imply	VERB
fueconorg-13371	83	3	that	that	SCONJ
fueconorg-13371	83	4	organizations	organization	NOUN
fueconorg-13371	83	5	target	target	VERB
fueconorg-13371	83	6	an	an	DET
fueconorg-13371	83	7	ideal	ideal	ADJ
fueconorg-13371	83	8	capital	capital	NOUN
fueconorg-13371	83	9	structure	structure	NOUN
fueconorg-13371	83	10	that	that	PRON
fueconorg-13371	83	11	would	would	AUX
fueconorg-13371	83	12	reduce	reduce	VERB
fueconorg-13371	83	13	the	the	DET
fueconorg-13371	83	14	expected	expect	VERB
fueconorg-13371	83	15	bankruptcy	bankruptcy	NOUN
fueconorg-13371	83	16	costs	cost	NOUN
fueconorg-13371	83	17	,	,	PUNCT
fueconorg-13371	83	18	lessen	lessen	VERB
fueconorg-13371	83	19	the	the	DET
fueconorg-13371	83	20	possibility	possibility	NOUN
fueconorg-13371	83	21	of	of	ADP
fueconorg-13371	83	22	financial	financial	ADJ
fueconorg-13371	83	23	distress	distress	NOUN
fueconorg-13371	83	24	and	and	CCONJ
fueconorg-13371	83	25	reduce	reduce	VERB
fueconorg-13371	83	26	the	the	DET
fueconorg-13371	83	27	cost	cost	NOUN
fueconorg-13371	83	28	of	of	ADP
fueconorg-13371	83	29	debt	debt	NOUN
fueconorg-13371	83	30	.	.	PUNCT
fueconorg-13371	84	1	the	the	DET
fueconorg-13371	84	2	nigerian	nigerian	ADJ
fueconorg-13371	84	3	financial	financial	ADJ
fueconorg-13371	84	4	system	system	NOUN
fueconorg-13371	84	5	:	:	PUNCT
fueconorg-13371	84	6	the	the	DET
fueconorg-13371	84	7	nexus	nexus	NOUN
fueconorg-13371	84	8	between	between	ADP
fueconorg-13371	84	9	reinsurance	reinsurance	NOUN
fueconorg-13371	84	10	ceded	cede	VERB
fueconorg-13371	84	11	and	and	CCONJ
fueconorg-13371	84	12	equity	equity	NOUN
fueconorg-13371	84	13	financing	financing	NOUN
fueconorg-13371	84	14	in	in	ADP
fueconorg-13371	84	15	the	the	DET
fueconorg-13371	84	16	...	...	SYM
fueconorg-13371	84	17	103	103	NUM
fueconorg-13371	84	18	the	the	DET
fueconorg-13371	84	19	expected	expect	VERB
fueconorg-13371	84	20	bankruptcy	bankruptcy	NOUN
fueconorg-13371	84	21	cost	cost	NOUN
fueconorg-13371	84	22	hypothesis	hypothesis	NOUN
fueconorg-13371	84	23	implies	imply	VERB
fueconorg-13371	84	24	that	that	SCONJ
fueconorg-13371	84	25	reinsurance	reinsurance	NOUN
fueconorg-13371	84	26	utilization	utilization	NOUN
fueconorg-13371	84	27	can	can	AUX
fueconorg-13371	84	28	protect	protect	VERB
fueconorg-13371	84	29	the	the	DET
fueconorg-13371	84	30	insurer	insurer	NOUN
fueconorg-13371	84	31	from	from	ADP
fueconorg-13371	84	32	unforeseen	unforeseen	ADJ
fueconorg-13371	84	33	underwriting	underwriting	NOUN
fueconorg-13371	84	34	or	or	CCONJ
fueconorg-13371	84	35	investment	investment	NOUN
fueconorg-13371	84	36	losses	loss	NOUN
fueconorg-13371	84	37	,	,	PUNCT
fueconorg-13371	84	38	which	which	PRON
fueconorg-13371	84	39	diminishes	diminish	VERB
fueconorg-13371	84	40	their	their	PRON
fueconorg-13371	84	41	likelihood	likelihood	NOUN
fueconorg-13371	84	42	of	of	ADP
fueconorg-13371	84	43	insolvency	insolvency	NOUN
fueconorg-13371	84	44	.	.	PUNCT
fueconorg-13371	85	1	with	with	ADP
fueconorg-13371	85	2	this	this	DET
fueconorg-13371	85	3	postulation	postulation	NOUN
fueconorg-13371	85	4	,	,	PUNCT
fueconorg-13371	85	5	insurers	insurer	NOUN
fueconorg-13371	85	6	engaging	engage	VERB
fueconorg-13371	85	7	high	high	ADJ
fueconorg-13371	85	8	levels	level	NOUN
fueconorg-13371	85	9	of	of	ADP
fueconorg-13371	85	10	leverage	leverage	NOUN
fueconorg-13371	85	11	who	who	PRON
fueconorg-13371	85	12	are	be	AUX
fueconorg-13371	85	13	already	already	ADV
fueconorg-13371	85	14	confronted	confront	VERB
fueconorg-13371	85	15	with	with	ADP
fueconorg-13371	85	16	augmented	augment	VERB
fueconorg-13371	85	17	bankruptcy	bankruptcy	NOUN
fueconorg-13371	85	18	costs	cost	NOUN
fueconorg-13371	85	19	and	and	CCONJ
fueconorg-13371	85	20	insolvency	insolvency	NOUN
fueconorg-13371	85	21	have	have	VERB
fueconorg-13371	85	22	a	a	DET
fueconorg-13371	85	23	tendency	tendency	NOUN
fueconorg-13371	85	24	to	to	PART
fueconorg-13371	85	25	acquire	acquire	VERB
fueconorg-13371	85	26	reinsurance	reinsurance	NOUN
fueconorg-13371	85	27	(	(	PUNCT
fueconorg-13371	85	28	dhaene	dhaene	PROPN
fueconorg-13371	85	29	,	,	PUNCT
fueconorg-13371	85	30	et	et	PROPN
fueconorg-13371	85	31	al	al	PROPN
fueconorg-13371	85	32	.	.	PROPN
fueconorg-13371	85	33	2015	2015	NUM
fueconorg-13371	85	34	;	;	PUNCT
fueconorg-13371	86	1	shiu	shiu	PROPN
fueconorg-13371	86	2	,	,	PUNCT
fueconorg-13371	86	3	2011	2011	NUM
fueconorg-13371	86	4	)	)	PUNCT
fueconorg-13371	86	5	.	.	PUNCT
fueconorg-13371	87	1	the	the	DET
fueconorg-13371	87	2	purchase	purchase	NOUN
fueconorg-13371	87	3	of	of	ADP
fueconorg-13371	87	4	reinsurance	reinsurance	NOUN
fueconorg-13371	87	5	serves	serve	VERB
fueconorg-13371	87	6	to	to	PART
fueconorg-13371	87	7	protect	protect	VERB
fueconorg-13371	87	8	the	the	DET
fueconorg-13371	87	9	insurer	insurer	NOUN
fueconorg-13371	87	10	from	from	ADP
fueconorg-13371	87	11	unpredicted	unpredicted	ADJ
fueconorg-13371	87	12	colossal	colossal	ADJ
fueconorg-13371	87	13	losses	loss	NOUN
fueconorg-13371	87	14	,	,	PUNCT
fueconorg-13371	87	15	thus	thus	ADV
fueconorg-13371	87	16	lessening	lessen	VERB
fueconorg-13371	87	17	the	the	DET
fueconorg-13371	87	18	possibility	possibility	NOUN
fueconorg-13371	87	19	of	of	ADP
fueconorg-13371	87	20	insolvency	insolvency	NOUN
fueconorg-13371	87	21	.	.	PUNCT
fueconorg-13371	88	1	2.2.2	2.2.2	X
fueconorg-13371	88	2	.	.	PUNCT
fueconorg-13371	88	3	renting	rent	VERB
fueconorg-13371	88	4	capital	capital	NOUN
fueconorg-13371	88	5	hypothesis	hypothesis	NOUN
fueconorg-13371	88	6	the	the	DET
fueconorg-13371	88	7	theory	theory	NOUN
fueconorg-13371	88	8	of	of	ADP
fueconorg-13371	88	9	rents	rent	NOUN
fueconorg-13371	88	10	was	be	AUX
fueconorg-13371	88	11	first	first	ADV
fueconorg-13371	88	12	postulated	postulate	VERB
fueconorg-13371	88	13	by	by	ADP
fueconorg-13371	88	14	david	david	PROPN
fueconorg-13371	88	15	ricardo	ricardo	PROPN
fueconorg-13371	88	16	(	(	PUNCT
fueconorg-13371	88	17	1971	1971	NUM
fueconorg-13371	88	18	)	)	PUNCT
fueconorg-13371	88	19	as	as	ADP
fueconorg-13371	88	20	a	a	DET
fueconorg-13371	88	21	form	form	NOUN
fueconorg-13371	88	22	of	of	ADP
fueconorg-13371	88	23	remuneration	remuneration	NOUN
fueconorg-13371	88	24	due	due	ADP
fueconorg-13371	88	25	to	to	ADP
fueconorg-13371	88	26	the	the	DET
fueconorg-13371	88	27	owners	owner	NOUN
fueconorg-13371	88	28	of	of	ADP
fueconorg-13371	88	29	assets	asset	NOUN
fueconorg-13371	88	30	as	as	ADP
fueconorg-13371	88	31	a	a	DET
fueconorg-13371	88	32	result	result	NOUN
fueconorg-13371	88	33	of	of	ADP
fueconorg-13371	88	34	their	their	PRON
fueconorg-13371	88	35	ownership	ownership	NOUN
fueconorg-13371	88	36	of	of	ADP
fueconorg-13371	88	37	assets	asset	NOUN
fueconorg-13371	88	38	and	and	CCONJ
fueconorg-13371	88	39	not	not	PART
fueconorg-13371	88	40	because	because	SCONJ
fueconorg-13371	88	41	they	they	PRON
fueconorg-13371	88	42	aided	aid	VERB
fueconorg-13371	88	43	any	any	DET
fueconorg-13371	88	44	form	form	NOUN
fueconorg-13371	88	45	of	of	ADP
fueconorg-13371	88	46	productive	productive	ADJ
fueconorg-13371	88	47	operation	operation	NOUN
fueconorg-13371	88	48	.	.	PUNCT
fueconorg-13371	89	1	the	the	DET
fueconorg-13371	89	2	renting	rent	VERB
fueconorg-13371	89	3	capital	capital	NOUN
fueconorg-13371	89	4	hypothesis	hypothesis	NOUN
fueconorg-13371	89	5	as	as	ADP
fueconorg-13371	89	6	based	base	VERB
fueconorg-13371	89	7	on	on	ADP
fueconorg-13371	89	8	the	the	DET
fueconorg-13371	89	9	works	work	NOUN
fueconorg-13371	89	10	of	of	ADP
fueconorg-13371	89	11	jensen	jensen	PROPN
fueconorg-13371	89	12	(	(	PUNCT
fueconorg-13371	89	13	1972	1972	NUM
fueconorg-13371	89	14	)	)	PUNCT
fueconorg-13371	89	15	and	and	CCONJ
fueconorg-13371	89	16	adiel	adiel	PROPN
fueconorg-13371	89	17	(	(	PUNCT
fueconorg-13371	89	18	1996	1996	NUM
fueconorg-13371	89	19	)	)	PUNCT
fueconorg-13371	89	20	posits	posit	NOUN
fueconorg-13371	89	21	that	that	PRON
fueconorg-13371	89	22	equity	equity	NOUN
fueconorg-13371	89	23	can	can	AUX
fueconorg-13371	89	24	be	be	AUX
fueconorg-13371	89	25	considered	consider	VERB
fueconorg-13371	89	26	as	as	ADP
fueconorg-13371	89	27	a	a	DET
fueconorg-13371	89	28	means	means	NOUN
fueconorg-13371	89	29	of	of	ADP
fueconorg-13371	89	30	“	"	PUNCT
fueconorg-13371	89	31	rented	rent	VERB
fueconorg-13371	89	32	”	"	PUNCT
fueconorg-13371	89	33	capital	capital	NOUN
fueconorg-13371	89	34	whereby	whereby	SCONJ
fueconorg-13371	89	35	shareholders	shareholder	NOUN
fueconorg-13371	89	36	are	be	AUX
fueconorg-13371	89	37	viewed	view	VERB
fueconorg-13371	89	38	as	as	ADP
fueconorg-13371	89	39	temporary	temporary	ADJ
fueconorg-13371	89	40	investors	investor	NOUN
fueconorg-13371	89	41	who	who	PRON
fueconorg-13371	89	42	rent	rent	VERB
fueconorg-13371	89	43	the	the	DET
fueconorg-13371	89	44	firm	firm	NOUN
fueconorg-13371	89	45	’s	’s	PART
fueconorg-13371	89	46	assets	asset	NOUN
fueconorg-13371	89	47	in	in	ADP
fueconorg-13371	89	48	exchange	exchange	NOUN
fueconorg-13371	89	49	for	for	ADP
fueconorg-13371	89	50	dividends	dividend	NOUN
fueconorg-13371	89	51	and	and	CCONJ
fueconorg-13371	89	52	capital	capital	NOUN
fueconorg-13371	89	53	gains	gain	NOUN
fueconorg-13371	89	54	.	.	PUNCT
fueconorg-13371	90	1	shiu	shiu	PROPN
fueconorg-13371	90	2	(	(	PUNCT
fueconorg-13371	90	3	2011	2011	NUM
fueconorg-13371	90	4	)	)	PUNCT
fueconorg-13371	90	5	and	and	CCONJ
fueconorg-13371	90	6	li	li	PROPN
fueconorg-13371	90	7	and	and	CCONJ
fueconorg-13371	90	8	shiu	shiu	PROPN
fueconorg-13371	90	9	(	(	PUNCT
fueconorg-13371	90	10	2023	2023	NUM
fueconorg-13371	90	11	)	)	PUNCT
fueconorg-13371	90	12	assert	assert	VERB
fueconorg-13371	90	13	that	that	SCONJ
fueconorg-13371	90	14	when	when	SCONJ
fueconorg-13371	90	15	reinsurers	reinsurer	NOUN
fueconorg-13371	90	16	‘	'	PUNCT
fueconorg-13371	90	17	rent	rent	NOUN
fueconorg-13371	90	18	’	'	PUNCT
fueconorg-13371	90	19	out	out	ADP
fueconorg-13371	90	20	capital	capital	NOUN
fueconorg-13371	90	21	to	to	AUX
fueconorg-13371	90	22	insurers	insurer	NOUN
fueconorg-13371	90	23	through	through	ADP
fueconorg-13371	90	24	the	the	DET
fueconorg-13371	90	25	transfer	transfer	NOUN
fueconorg-13371	90	26	of	of	ADP
fueconorg-13371	90	27	risk	risk	NOUN
fueconorg-13371	90	28	,	,	PUNCT
fueconorg-13371	90	29	it	it	PRON
fueconorg-13371	90	30	can	can	AUX
fueconorg-13371	90	31	serve	serve	VERB
fueconorg-13371	90	32	as	as	ADP
fueconorg-13371	90	33	a	a	DET
fueconorg-13371	90	34	partial	partial	ADJ
fueconorg-13371	90	35	substitute	substitute	NOUN
fueconorg-13371	90	36	for	for	ADP
fueconorg-13371	90	37	equity	equity	NOUN
fueconorg-13371	90	38	while	while	SCONJ
fueconorg-13371	90	39	covering	cover	VERB
fueconorg-13371	90	40	potential	potential	ADJ
fueconorg-13371	90	41	losses	loss	NOUN
fueconorg-13371	90	42	and	and	CCONJ
fueconorg-13371	90	43	liabilities	liability	NOUN
fueconorg-13371	90	44	.	.	PUNCT
fueconorg-13371	91	1	insurers	insurer	NOUN
fueconorg-13371	91	2	with	with	ADP
fueconorg-13371	91	3	insufficient	insufficient	ADJ
fueconorg-13371	91	4	capital	capital	NOUN
fueconorg-13371	91	5	may	may	AUX
fueconorg-13371	91	6	decide	decide	VERB
fueconorg-13371	91	7	to	to	PART
fueconorg-13371	91	8	rent	rent	VERB
fueconorg-13371	91	9	capital	capital	NOUN
fueconorg-13371	91	10	from	from	ADP
fueconorg-13371	91	11	their	their	PRON
fueconorg-13371	91	12	reinsurers	reinsurer	NOUN
fueconorg-13371	91	13	to	to	PART
fueconorg-13371	91	14	manage	manage	VERB
fueconorg-13371	91	15	their	their	PRON
fueconorg-13371	91	16	risk	risk	NOUN
fueconorg-13371	91	17	exposure	exposure	NOUN
fueconorg-13371	91	18	rather	rather	ADV
fueconorg-13371	91	19	than	than	ADP
fueconorg-13371	91	20	retain	retain	VERB
fueconorg-13371	91	21	the	the	DET
fueconorg-13371	91	22	risks	risk	NOUN
fueconorg-13371	91	23	beyond	beyond	ADP
fueconorg-13371	91	24	their	their	PRON
fueconorg-13371	91	25	capacity	capacity	NOUN
fueconorg-13371	91	26	on	on	ADP
fueconorg-13371	91	27	their	their	PRON
fueconorg-13371	91	28	financial	financial	ADJ
fueconorg-13371	91	29	accounts	account	NOUN
fueconorg-13371	91	30	.	.	PUNCT
fueconorg-13371	92	1	the	the	DET
fueconorg-13371	92	2	utilization	utilization	NOUN
fueconorg-13371	92	3	of	of	ADP
fueconorg-13371	92	4	reinsurance	reinsurance	NOUN
fueconorg-13371	92	5	in	in	ADP
fueconorg-13371	92	6	insurance	insurance	NOUN
fueconorg-13371	92	7	contracts	contract	NOUN
fueconorg-13371	92	8	enables	enable	VERB
fueconorg-13371	92	9	the	the	DET
fueconorg-13371	92	10	transfer	transfer	NOUN
fueconorg-13371	92	11	of	of	ADP
fueconorg-13371	92	12	premiums	premium	NOUN
fueconorg-13371	92	13	collected	collect	VERB
fueconorg-13371	92	14	from	from	ADP
fueconorg-13371	92	15	insurers	insurer	NOUN
fueconorg-13371	92	16	to	to	ADP
fueconorg-13371	92	17	the	the	DET
fueconorg-13371	92	18	reinsurer	reinsurer	NOUN
fueconorg-13371	92	19	who	who	PRON
fueconorg-13371	92	20	assents	assent	VERB
fueconorg-13371	92	21	to	to	PART
fueconorg-13371	92	22	take	take	VERB
fueconorg-13371	92	23	in	in	ADP
fueconorg-13371	92	24	the	the	DET
fueconorg-13371	92	25	portion	portion	NOUN
fueconorg-13371	92	26	of	of	ADP
fueconorg-13371	92	27	the	the	DET
fueconorg-13371	92	28	risk	risk	NOUN
fueconorg-13371	92	29	from	from	ADP
fueconorg-13371	92	30	the	the	DET
fueconorg-13371	92	31	insurer	insurer	NOUN
fueconorg-13371	92	32	.	.	PUNCT
fueconorg-13371	93	1	in	in	ADP
fueconorg-13371	93	2	the	the	DET
fueconorg-13371	93	3	case	case	NOUN
fueconorg-13371	93	4	of	of	ADP
fueconorg-13371	93	5	proportional	proportional	ADJ
fueconorg-13371	93	6	reinsurance	reinsurance	NOUN
fueconorg-13371	93	7	,	,	PUNCT
fueconorg-13371	93	8	both	both	CCONJ
fueconorg-13371	93	9	premiums	premium	NOUN
fueconorg-13371	93	10	and	and	CCONJ
fueconorg-13371	93	11	claims	claim	NOUN
fueconorg-13371	93	12	are	be	AUX
fueconorg-13371	93	13	negotiated	negotiate	VERB
fueconorg-13371	93	14	proportionally	proportionally	ADV
fueconorg-13371	93	15	according	accord	VERB
fueconorg-13371	93	16	to	to	ADP
fueconorg-13371	93	17	the	the	DET
fueconorg-13371	93	18	contractual	contractual	ADJ
fueconorg-13371	93	19	agreement	agreement	NOUN
fueconorg-13371	93	20	.	.	PUNCT
fueconorg-13371	94	1	the	the	DET
fueconorg-13371	94	2	insurer	insurer	NOUN
fueconorg-13371	94	3	also	also	ADV
fueconorg-13371	94	4	receives	receive	VERB
fueconorg-13371	94	5	a	a	DET
fueconorg-13371	94	6	ceding	cede	VERB
fueconorg-13371	94	7	commission	commission	NOUN
fueconorg-13371	94	8	as	as	ADP
fueconorg-13371	94	9	compensation	compensation	NOUN
fueconorg-13371	94	10	for	for	ADP
fueconorg-13371	94	11	costs	cost	NOUN
fueconorg-13371	94	12	associated	associate	VERB
fueconorg-13371	94	13	with	with	ADP
fueconorg-13371	94	14	the	the	DET
fueconorg-13371	94	15	ceded	ceded	ADJ
fueconorg-13371	94	16	risk	risk	NOUN
fueconorg-13371	94	17	,	,	PUNCT
fueconorg-13371	94	18	and	and	CCONJ
fueconorg-13371	94	19	a	a	DET
fueconorg-13371	94	20	profit	profit	NOUN
fueconorg-13371	94	21	commission	commission	NOUN
fueconorg-13371	94	22	when	when	SCONJ
fueconorg-13371	94	23	the	the	DET
fueconorg-13371	94	24	reinsurer	reinsurer	NOUN
fueconorg-13371	94	25	makes	make	VERB
fueconorg-13371	94	26	a	a	DET
fueconorg-13371	94	27	profit	profit	NOUN
fueconorg-13371	94	28	from	from	ADP
fueconorg-13371	94	29	it	it	PRON
fueconorg-13371	94	30	.	.	PUNCT
fueconorg-13371	95	1	these	these	DET
fueconorg-13371	95	2	commissions	commission	NOUN
fueconorg-13371	95	3	serve	serve	VERB
fueconorg-13371	95	4	as	as	ADP
fueconorg-13371	95	5	a	a	DET
fueconorg-13371	95	6	way	way	NOUN
fueconorg-13371	95	7	of	of	ADP
fueconorg-13371	95	8	remunerating	remunerate	VERB
fueconorg-13371	95	9	the	the	DET
fueconorg-13371	95	10	insurer	insurer	NOUN
fueconorg-13371	95	11	for	for	ADP
fueconorg-13371	95	12	costs	cost	NOUN
fueconorg-13371	95	13	associated	associate	VERB
fueconorg-13371	95	14	with	with	ADP
fueconorg-13371	95	15	underwriting	underwriting	NOUN
fueconorg-13371	95	16	and	and	CCONJ
fueconorg-13371	95	17	ceding	cede	VERB
fueconorg-13371	95	18	the	the	DET
fueconorg-13371	95	19	business	business	NOUN
fueconorg-13371	95	20	and	and	CCONJ
fueconorg-13371	95	21	influence	influence	VERB
fueconorg-13371	95	22	the	the	DET
fueconorg-13371	95	23	insurer	insurer	NOUN
fueconorg-13371	95	24	’s	’s	PART
fueconorg-13371	95	25	‘	'	PUNCT
fueconorg-13371	95	26	rent	rent	NOUN
fueconorg-13371	95	27	’	'	PUNCT
fueconorg-13371	95	28	of	of	ADP
fueconorg-13371	95	29	capital	capital	NOUN
fueconorg-13371	95	30	.	.	PUNCT
fueconorg-13371	96	1	for	for	ADP
fueconorg-13371	96	2	non	non	ADJ
fueconorg-13371	96	3	-	-	ADJ
fueconorg-13371	96	4	proportional	proportional	ADJ
fueconorg-13371	96	5	reinsurance	reinsurance	NOUN
fueconorg-13371	96	6	,	,	PUNCT
fueconorg-13371	96	7	the	the	DET
fueconorg-13371	96	8	reinsurer	reinsurer	NOUN
fueconorg-13371	96	9	assumes	assume	VERB
fueconorg-13371	96	10	losses	loss	NOUN
fueconorg-13371	96	11	that	that	PRON
fueconorg-13371	96	12	exceed	exceed	VERB
fueconorg-13371	96	13	the	the	DET
fueconorg-13371	96	14	cedant	cedant	NOUN
fueconorg-13371	96	15	’s	’s	PART
fueconorg-13371	96	16	retention	retention	NOUN
fueconorg-13371	96	17	(	(	PUNCT
fueconorg-13371	96	18	graven	graven	PROPN
fueconorg-13371	96	19	&	&	CCONJ
fueconorg-13371	96	20	lamm	lamm	PROPN
fueconorg-13371	96	21	-	-	PUNCT
fueconorg-13371	96	22	tennant	tennant	PROPN
fueconorg-13371	96	23	,	,	PUNCT
fueconorg-13371	96	24	2003	2003	NUM
fueconorg-13371	96	25	;	;	PUNCT
fueconorg-13371	96	26	workie	workie	NOUN
fueconorg-13371	96	27	,	,	PUNCT
fueconorg-13371	96	28	2018	2018	NUM
fueconorg-13371	96	29	)	)	PUNCT
fueconorg-13371	96	30	.	.	PUNCT
fueconorg-13371	97	1	2.3	2.3	NUM
fueconorg-13371	97	2	.	.	PUNCT
fueconorg-13371	98	1	empirical	empirical	ADJ
fueconorg-13371	98	2	review	review	NOUN
fueconorg-13371	98	3	of	of	ADP
fueconorg-13371	98	4	related	related	ADJ
fueconorg-13371	98	5	literature	literature	NOUN
fueconorg-13371	98	6	a	a	DET
fueconorg-13371	98	7	couple	couple	NOUN
fueconorg-13371	98	8	of	of	ADP
fueconorg-13371	98	9	studies	study	NOUN
fueconorg-13371	98	10	have	have	AUX
fueconorg-13371	98	11	been	be	AUX
fueconorg-13371	98	12	performed	perform	VERB
fueconorg-13371	98	13	on	on	ADP
fueconorg-13371	98	14	the	the	DET
fueconorg-13371	98	15	subject	subject	NOUN
fueconorg-13371	98	16	of	of	ADP
fueconorg-13371	98	17	capital	capital	NOUN
fueconorg-13371	98	18	structure	structure	NOUN
fueconorg-13371	98	19	and	and	CCONJ
fueconorg-13371	98	20	reinsurance	reinsurance	NOUN
fueconorg-13371	98	21	utilization	utilization	NOUN
fueconorg-13371	98	22	over	over	ADP
fueconorg-13371	98	23	the	the	DET
fueconorg-13371	98	24	years	year	NOUN
fueconorg-13371	98	25	.	.	PUNCT
fueconorg-13371	99	1	how	how	SCONJ
fueconorg-13371	99	2	reinsurance	reinsurance	NOUN
fueconorg-13371	99	3	utilization	utilization	NOUN
fueconorg-13371	99	4	impacts	impact	VERB
fueconorg-13371	99	5	capital	capital	NOUN
fueconorg-13371	99	6	structure	structure	NOUN
fueconorg-13371	99	7	has	have	AUX
fueconorg-13371	99	8	been	be	AUX
fueconorg-13371	99	9	empirically	empirically	ADV
fueconorg-13371	99	10	tested	test	VERB
fueconorg-13371	99	11	and	and	CCONJ
fueconorg-13371	99	12	asserted	assert	VERB
fueconorg-13371	99	13	by	by	ADP
fueconorg-13371	99	14	many	many	ADJ
fueconorg-13371	99	15	researchers	researcher	NOUN
fueconorg-13371	99	16	such	such	ADJ
fueconorg-13371	99	17	as	as	ADP
fueconorg-13371	99	18	escobar	escobar	PROPN
fueconorg-13371	99	19	-	-	PUNCT
fueconorg-13371	99	20	anel	anel	PROPN
fueconorg-13371	99	21	,	,	PUNCT
fueconorg-13371	99	22	et	et	PROPN
fueconorg-13371	99	23	al	al	PROPN
fueconorg-13371	99	24	.	.	PROPN
fueconorg-13371	100	1	(	(	PUNCT
fueconorg-13371	100	2	2022	2022	NUM
fueconorg-13371	100	3	)	)	PUNCT
fueconorg-13371	100	4	;	;	PUNCT
fueconorg-13371	100	5	li	li	PROPN
fueconorg-13371	100	6	and	and	CCONJ
fueconorg-13371	100	7	shiu	shiu	PROPN
fueconorg-13371	100	8	(	(	PUNCT
fueconorg-13371	100	9	2023	2023	NUM
fueconorg-13371	100	10	)	)	PUNCT
fueconorg-13371	100	11	;	;	PUNCT
fueconorg-13371	100	12	mankai	mankai	NOUN
fueconorg-13371	100	13	and	and	CCONJ
fueconorg-13371	100	14	belgacem	belgacem	NOUN
fueconorg-13371	100	15	(	(	PUNCT
fueconorg-13371	100	16	2016	2016	NUM
fueconorg-13371	100	17	)	)	PUNCT
fueconorg-13371	100	18	;	;	PUNCT
fueconorg-13371	100	19	sheikh	sheikh	PROPN
fueconorg-13371	100	20	,	,	PUNCT
fueconorg-13371	100	21	et	et	PROPN
fueconorg-13371	100	22	al	al	PROPN
fueconorg-13371	100	23	.	.	PUNCT
fueconorg-13371	101	1	(	(	PUNCT
fueconorg-13371	101	2	2018	2018	NUM
fueconorg-13371	101	3	)	)	PUNCT
fueconorg-13371	101	4	;	;	PUNCT
fueconorg-13371	102	1	shiu	shiu	PROPN
fueconorg-13371	102	2	(	(	PUNCT
fueconorg-13371	102	3	2011	2011	NUM
fueconorg-13371	102	4	)	)	PUNCT
fueconorg-13371	102	5	amongst	amongst	ADP
fueconorg-13371	102	6	others	other	NOUN
fueconorg-13371	102	7	.	.	PUNCT
fueconorg-13371	103	1	while	while	SCONJ
fueconorg-13371	103	2	some	some	DET
fueconorg-13371	103	3	researchers	researcher	NOUN
fueconorg-13371	103	4	find	find	VERB
fueconorg-13371	103	5	a	a	DET
fueconorg-13371	103	6	positive	positive	ADJ
fueconorg-13371	103	7	association	association	NOUN
fueconorg-13371	103	8	,	,	PUNCT
fueconorg-13371	103	9	it	it	PRON
fueconorg-13371	103	10	is	be	AUX
fueconorg-13371	103	11	the	the	DET
fueconorg-13371	103	12	reverse	reverse	NOUN
fueconorg-13371	103	13	with	with	ADP
fueconorg-13371	103	14	others	other	NOUN
fueconorg-13371	103	15	.	.	PUNCT
fueconorg-13371	104	1	some	some	PRON
fueconorg-13371	104	2	of	of	ADP
fueconorg-13371	104	3	the	the	DET
fueconorg-13371	104	4	more	more	ADV
fueconorg-13371	104	5	influential	influential	ADJ
fueconorg-13371	104	6	studies	study	NOUN
fueconorg-13371	104	7	pertaining	pertain	VERB
fueconorg-13371	104	8	to	to	ADP
fueconorg-13371	104	9	this	this	DET
fueconorg-13371	104	10	concept	concept	NOUN
fueconorg-13371	104	11	are	be	AUX
fueconorg-13371	104	12	discussed	discuss	VERB
fueconorg-13371	104	13	in	in	ADP
fueconorg-13371	104	14	this	this	DET
fueconorg-13371	104	15	section	section	NOUN
fueconorg-13371	104	16	.	.	PUNCT
fueconorg-13371	105	1	cole	cole	PROPN
fueconorg-13371	105	2	and	and	CCONJ
fueconorg-13371	105	3	mccullough	mccullough	PROPN
fueconorg-13371	105	4	(	(	PUNCT
fueconorg-13371	105	5	2006	2006	NUM
fueconorg-13371	105	6	)	)	PUNCT
fueconorg-13371	105	7	in	in	ADP
fueconorg-13371	105	8	a	a	DET
fueconorg-13371	105	9	re	re	NOUN
fueconorg-13371	105	10	-	-	NOUN
fueconorg-13371	105	11	examination	examination	NOUN
fueconorg-13371	105	12	of	of	ADP
fueconorg-13371	105	13	the	the	DET
fueconorg-13371	105	14	corporate	corporate	ADJ
fueconorg-13371	105	15	demand	demand	NOUN
fueconorg-13371	105	16	for	for	ADP
fueconorg-13371	105	17	reinsurance	reinsurance	NOUN
fueconorg-13371	105	18	using	use	VERB
fueconorg-13371	105	19	the	the	DET
fueconorg-13371	105	20	u.s	u.s	PROPN
fueconorg-13371	105	21	.	.	PROPN
fueconorg-13371	105	22	insurance	insurance	NOUN
fueconorg-13371	105	23	and	and	CCONJ
fueconorg-13371	105	24	reinsurance	reinsurance	NOUN
fueconorg-13371	105	25	industry	industry	NOUN
fueconorg-13371	105	26	,	,	PUNCT
fueconorg-13371	105	27	came	come	VERB
fueconorg-13371	105	28	to	to	ADP
fueconorg-13371	105	29	the	the	DET
fueconorg-13371	105	30	conclusion	conclusion	NOUN
fueconorg-13371	105	31	that	that	SCONJ
fueconorg-13371	105	32	foreign	foreign	ADJ
fueconorg-13371	105	33	reinsurance	reinsurance	NOUN
fueconorg-13371	105	34	is	be	AUX
fueconorg-13371	105	35	influenced	influence	VERB
fueconorg-13371	105	36	by	by	ADP
fueconorg-13371	105	37	the	the	DET
fueconorg-13371	105	38	functional	functional	ADJ
fueconorg-13371	105	39	features	feature	NOUN
fueconorg-13371	105	40	of	of	ADP
fueconorg-13371	105	41	the	the	DET
fueconorg-13371	105	42	primary	primary	ADJ
fueconorg-13371	105	43	insurer	insurer	NOUN
fueconorg-13371	105	44	like	like	ADP
fueconorg-13371	105	45	firm	firm	ADJ
fueconorg-13371	105	46	size	size	NOUN
fueconorg-13371	105	47	,	,	PUNCT
fueconorg-13371	105	48	group	group	NOUN
fueconorg-13371	105	49	affiliation	affiliation	NOUN
fueconorg-13371	105	50	and	and	CCONJ
fueconorg-13371	105	51	organizational	organizational	ADJ
fueconorg-13371	105	52	form	form	NOUN
fueconorg-13371	105	53	.	.	PUNCT
fueconorg-13371	106	1	shiu	shiu	PROPN
fueconorg-13371	106	2	(	(	PUNCT
fueconorg-13371	106	3	2011	2011	NUM
fueconorg-13371	106	4	)	)	PUNCT
fueconorg-13371	106	5	investigated	investigate	VERB
fueconorg-13371	106	6	the	the	DET
fueconorg-13371	106	7	relationship	relationship	NOUN
fueconorg-13371	106	8	between	between	ADP
fueconorg-13371	106	9	leverage	leverage	NOUN
fueconorg-13371	106	10	and	and	CCONJ
fueconorg-13371	106	11	reinsurance	reinsurance	NOUN
fueconorg-13371	106	12	in	in	ADP
fueconorg-13371	106	13	the	the	DET
fueconorg-13371	106	14	uk	uk	PROPN
fueconorg-13371	106	15	non	non	ADJ
fueconorg-13371	106	16	-	-	ADJ
fueconorg-13371	106	17	life	life	ADJ
fueconorg-13371	106	18	insurance	insurance	NOUN
fueconorg-13371	106	19	industry	industry	NOUN
fueconorg-13371	106	20	.	.	PUNCT
fueconorg-13371	107	1	with	with	ADP
fueconorg-13371	107	2	an	an	DET
fueconorg-13371	107	3	unbalanced	unbalanced	ADJ
fueconorg-13371	107	4	panel	panel	NOUN
fueconorg-13371	107	5	database	database	NOUN
fueconorg-13371	107	6	consisting	consist	VERB
fueconorg-13371	107	7	of	of	ADP
fueconorg-13371	107	8	143	143	NUM
fueconorg-13371	107	9	non	non	ADJ
fueconorg-13371	107	10	-	-	ADJ
fueconorg-13371	107	11	life	life	ADJ
fueconorg-13371	107	12	insurers	insurer	NOUN
fueconorg-13371	107	13	over	over	ADP
fueconorg-13371	107	14	the	the	DET
fueconorg-13371	107	15	years	year	NOUN
fueconorg-13371	107	16	1985	1985	NUM
fueconorg-13371	107	17	to	to	ADP
fueconorg-13371	107	18	2002	2002	NUM
fueconorg-13371	107	19	,	,	PUNCT
fueconorg-13371	107	20	the	the	DET
fueconorg-13371	107	21	author	author	NOUN
fueconorg-13371	107	22	used	use	VERB
fueconorg-13371	107	23	both	both	CCONJ
fueconorg-13371	107	24	the	the	DET
fueconorg-13371	107	25	two	two	NUM
fueconorg-13371	107	26	-	-	PUNCT
fueconorg-13371	107	27	stage	stage	NOUN
fueconorg-13371	107	28	least	least	ADJ
fueconorg-13371	107	29	square	square	ADJ
fueconorg-13371	107	30	regression	regression	NOUN
fueconorg-13371	107	31	and	and	CCONJ
fueconorg-13371	107	32	the	the	DET
fueconorg-13371	107	33	forecast	forecast	NOUN
fueconorg-13371	107	34	error	error	NOUN
fueconorg-13371	107	35	variance	variance	NOUN
fueconorg-13371	107	36	decomposition	decomposition	NOUN
fueconorg-13371	107	37	model	model	NOUN
fueconorg-13371	107	38	(	(	PUNCT
fueconorg-13371	107	39	fevd	fevd	NOUN
fueconorg-13371	107	40	)	)	PUNCT
fueconorg-13371	107	41	to	to	PART
fueconorg-13371	107	42	examine	examine	VERB
fueconorg-13371	107	43	the	the	DET
fueconorg-13371	107	44	104	104	NUM
fueconorg-13371	107	45	m.	m.	NOUN
fueconorg-13371	107	46	s.	s.	PROPN
fueconorg-13371	107	47	ukpong	ukpong	PROPN
fueconorg-13371	107	48	,	,	PUNCT
fueconorg-13371	107	49	m.	m.	NOUN
fueconorg-13371	107	50	a.	a.	PROPN
fueconorg-13371	107	51	obalola	obalola	PROPN
fueconorg-13371	107	52	,	,	PUNCT
fueconorg-13371	107	53	i.	i.	PROPN
fueconorg-13371	107	54	adeleke	adeleke	PROPN
fueconorg-13371	107	55	relationship	relationship	NOUN
fueconorg-13371	107	56	between	between	ADP
fueconorg-13371	107	57	reinsurance	reinsurance	NOUN
fueconorg-13371	107	58	use	use	NOUN
fueconorg-13371	107	59	and	and	CCONJ
fueconorg-13371	107	60	leverage	leverage	NOUN
fueconorg-13371	107	61	.	.	PUNCT
fueconorg-13371	108	1	it	it	PRON
fueconorg-13371	108	2	was	be	AUX
fueconorg-13371	108	3	observed	observe	VERB
fueconorg-13371	108	4	that	that	SCONJ
fueconorg-13371	108	5	insurers	insurer	NOUN
fueconorg-13371	108	6	having	have	VERB
fueconorg-13371	108	7	increased	increase	VERB
fueconorg-13371	108	8	leverage	leverage	NOUN
fueconorg-13371	108	9	buy	buy	VERB
fueconorg-13371	108	10	greater	great	ADJ
fueconorg-13371	108	11	reinsurance	reinsurance	NOUN
fueconorg-13371	108	12	,	,	PUNCT
fueconorg-13371	108	13	and	and	CCONJ
fueconorg-13371	108	14	leverage	leverage	NOUN
fueconorg-13371	108	15	has	have	VERB
fueconorg-13371	108	16	a	a	DET
fueconorg-13371	108	17	significant	significant	ADJ
fueconorg-13371	108	18	positive	positive	ADJ
fueconorg-13371	108	19	association	association	NOUN
fueconorg-13371	108	20	with	with	ADP
fueconorg-13371	108	21	reinsurance	reinsurance	NOUN
fueconorg-13371	108	22	.	.	PUNCT
fueconorg-13371	109	1	in	in	ADP
fueconorg-13371	109	2	line	line	NOUN
fueconorg-13371	109	3	with	with	ADP
fueconorg-13371	109	4	the	the	DET
fueconorg-13371	109	5	bankruptcy	bankruptcy	NOUN
fueconorg-13371	109	6	cost	cost	NOUN
fueconorg-13371	109	7	,	,	PUNCT
fueconorg-13371	109	8	agency	agency	NOUN
fueconorg-13371	109	9	cost	cost	NOUN
fueconorg-13371	109	10	and	and	CCONJ
fueconorg-13371	109	11	risk	risk	NOUN
fueconorg-13371	109	12	-	-	PUNCT
fueconorg-13371	109	13	bearing	bear	VERB
fueconorg-13371	109	14	hypothesis	hypothesis	NOUN
fueconorg-13371	109	15	,	,	PUNCT
fueconorg-13371	109	16	the	the	DET
fueconorg-13371	109	17	author	author	NOUN
fueconorg-13371	109	18	’s	’s	PART
fueconorg-13371	109	19	findings	finding	NOUN
fueconorg-13371	109	20	are	be	AUX
fueconorg-13371	109	21	similar	similar	ADJ
fueconorg-13371	109	22	to	to	ADP
fueconorg-13371	109	23	that	that	PRON
fueconorg-13371	109	24	of	of	ADP
fueconorg-13371	109	25	earlier	early	ADJ
fueconorg-13371	109	26	researchers	researcher	NOUN
fueconorg-13371	109	27	on	on	ADP
fueconorg-13371	109	28	the	the	DET
fueconorg-13371	109	29	topic	topic	NOUN
fueconorg-13371	109	30	(	(	PUNCT
fueconorg-13371	109	31	see	see	NOUN
fueconorg-13371	109	32	,	,	PUNCT
fueconorg-13371	109	33	shortridge	shortridge	PROPN
fueconorg-13371	109	34	&	&	CCONJ
fueconorg-13371	109	35	avila	avila	PROPN
fueconorg-13371	109	36	,	,	PUNCT
fueconorg-13371	109	37	2004	2004	NUM
fueconorg-13371	109	38	;	;	PUNCT
fueconorg-13371	109	39	powell	powell	PROPN
fueconorg-13371	109	40	&	&	CCONJ
fueconorg-13371	109	41	sommer	sommer	NOUN
fueconorg-13371	109	42	,	,	PUNCT
fueconorg-13371	109	43	2007	2007	NUM
fueconorg-13371	109	44	;	;	PUNCT
fueconorg-13371	109	45	and	and	CCONJ
fueconorg-13371	109	46	aunon	aunon	PROPN
fueconorg-13371	109	47	-	-	PUNCT
fueconorg-13371	109	48	nerin	nerin	PROPN
fueconorg-13371	109	49	&	&	CCONJ
fueconorg-13371	109	50	ehling	ehling	PROPN
fueconorg-13371	109	51	,	,	PUNCT
fueconorg-13371	109	52	2008	2008	NUM
fueconorg-13371	109	53	)	)	PUNCT
fueconorg-13371	109	54	.	.	PUNCT
fueconorg-13371	110	1	li	li	PROPN
fueconorg-13371	110	2	and	and	CCONJ
fueconorg-13371	110	3	shiu	shiu	PROPN
fueconorg-13371	110	4	(	(	PUNCT
fueconorg-13371	110	5	2023	2023	NUM
fueconorg-13371	110	6	)	)	PUNCT
fueconorg-13371	110	7	studied	study	VERB
fueconorg-13371	110	8	how	how	SCONJ
fueconorg-13371	110	9	actual	actual	ADJ
fueconorg-13371	110	10	relative	relative	NOUN
fueconorg-13371	110	11	to	to	PART
fueconorg-13371	110	12	target	target	VERB
fueconorg-13371	110	13	leverage	leverage	NOUN
fueconorg-13371	110	14	affects	affect	VERB
fueconorg-13371	110	15	reinsurance	reinsurance	NOUN
fueconorg-13371	110	16	use	use	NOUN
fueconorg-13371	110	17	.	.	PUNCT
fueconorg-13371	111	1	employing	employ	VERB
fueconorg-13371	111	2	a	a	DET
fueconorg-13371	111	3	simultaneous	simultaneous	ADJ
fueconorg-13371	111	4	equation	equation	NOUN
fueconorg-13371	111	5	model	model	NOUN
fueconorg-13371	111	6	on	on	ADP
fueconorg-13371	111	7	a	a	DET
fueconorg-13371	111	8	sample	sample	NOUN
fueconorg-13371	111	9	of	of	ADP
fueconorg-13371	111	10	u.s	u.s	PROPN
fueconorg-13371	111	11	.	.	PROPN
fueconorg-13371	111	12	property	property	NOUN
fueconorg-13371	111	13	and	and	CCONJ
fueconorg-13371	111	14	liability	liability	NOUN
fueconorg-13371	111	15	insurance	insurance	NOUN
fueconorg-13371	111	16	companies	company	NOUN
fueconorg-13371	111	17	from	from	ADP
fueconorg-13371	111	18	2002	2002	NUM
fueconorg-13371	111	19	to	to	ADP
fueconorg-13371	111	20	2022	2022	NUM
fueconorg-13371	111	21	,	,	PUNCT
fueconorg-13371	111	22	they	they	PRON
fueconorg-13371	111	23	found	find	VERB
fueconorg-13371	111	24	that	that	SCONJ
fueconorg-13371	111	25	overleveraged	overleverage	VERB
fueconorg-13371	111	26	insurers	insurer	NOUN
fueconorg-13371	111	27	utilized	utilize	VERB
fueconorg-13371	111	28	more	more	ADJ
fueconorg-13371	111	29	reinsurance	reinsurance	NOUN
fueconorg-13371	111	30	the	the	PRON
fueconorg-13371	111	31	higher	high	ADJ
fueconorg-13371	111	32	their	their	PRON
fueconorg-13371	111	33	leverage	leverage	NOUN
fueconorg-13371	111	34	while	while	SCONJ
fueconorg-13371	111	35	vice	vice	NOUN
fueconorg-13371	111	36	versa	versa	PROPN
fueconorg-13371	111	37	also	also	ADV
fueconorg-13371	111	38	applies	apply	VERB
fueconorg-13371	111	39	on	on	ADP
fueconorg-13371	111	40	the	the	DET
fueconorg-13371	111	41	underleveraged	underleveraged	ADJ
fueconorg-13371	111	42	insurers	insurer	NOUN
fueconorg-13371	111	43	.	.	PUNCT
fueconorg-13371	112	1	their	their	PRON
fueconorg-13371	112	2	study	study	NOUN
fueconorg-13371	112	3	showed	show	VERB
fueconorg-13371	112	4	that	that	SCONJ
fueconorg-13371	112	5	reinsurance	reinsurance	NOUN
fueconorg-13371	112	6	utilization	utilization	NOUN
fueconorg-13371	112	7	is	be	AUX
fueconorg-13371	112	8	influenced	influence	VERB
fueconorg-13371	112	9	by	by	ADP
fueconorg-13371	112	10	deviations	deviation	NOUN
fueconorg-13371	112	11	in	in	ADP
fueconorg-13371	112	12	capital	capital	NOUN
fueconorg-13371	112	13	structure	structure	NOUN
fueconorg-13371	112	14	and	and	CCONJ
fueconorg-13371	112	15	the	the	DET
fueconorg-13371	112	16	relationship	relationship	NOUN
fueconorg-13371	112	17	is	be	AUX
fueconorg-13371	112	18	moderated	moderate	VERB
fueconorg-13371	112	19	by	by	ADP
fueconorg-13371	112	20	external	external	ADJ
fueconorg-13371	112	21	shocks	shock	NOUN
fueconorg-13371	112	22	such	such	ADJ
fueconorg-13371	112	23	as	as	ADP
fueconorg-13371	112	24	financial	financial	ADJ
fueconorg-13371	112	25	crises	crisis	NOUN
fueconorg-13371	112	26	,	,	PUNCT
fueconorg-13371	112	27	catastrophe	catastrophe	NOUN
fueconorg-13371	112	28	and	and	CCONJ
fueconorg-13371	112	29	endemic	endemic	ADJ
fueconorg-13371	112	30	happenings	happening	NOUN
fueconorg-13371	112	31	.	.	PUNCT
fueconorg-13371	113	1	moreover	moreover	ADV
fueconorg-13371	113	2	,	,	PUNCT
fueconorg-13371	113	3	both	both	DET
fueconorg-13371	113	4	insurer	insurer	NOUN
fueconorg-13371	113	5	’s	’s	PART
fueconorg-13371	113	6	actual	actual	ADJ
fueconorg-13371	113	7	leverage	leverage	NOUN
fueconorg-13371	113	8	level	level	NOUN
fueconorg-13371	113	9	and	and	CCONJ
fueconorg-13371	113	10	capital	capital	NOUN
fueconorg-13371	113	11	structure	structure	NOUN
fueconorg-13371	113	12	can	can	AUX
fueconorg-13371	113	13	result	result	VERB
fueconorg-13371	113	14	in	in	ADP
fueconorg-13371	113	15	insolvency	insolvency	NOUN
fueconorg-13371	113	16	for	for	ADP
fueconorg-13371	113	17	the	the	DET
fueconorg-13371	113	18	company	company	NOUN
fueconorg-13371	113	19	.	.	PUNCT
fueconorg-13371	114	1	also	also	ADV
fueconorg-13371	114	2	,	,	PUNCT
fueconorg-13371	114	3	escobar	escobar	PROPN
fueconorg-13371	114	4	-	-	PUNCT
fueconorg-13371	114	5	anel	anel	PROPN
fueconorg-13371	114	6	,	,	PUNCT
fueconorg-13371	114	7	et	et	PROPN
fueconorg-13371	114	8	al	al	PROPN
fueconorg-13371	114	9	.	.	PROPN
fueconorg-13371	114	10	(	(	PUNCT
fueconorg-13371	114	11	2022	2022	NUM
fueconorg-13371	114	12	)	)	PUNCT
fueconorg-13371	114	13	explored	explore	VERB
fueconorg-13371	114	14	the	the	DET
fueconorg-13371	114	15	prospective	prospective	NOUN
fueconorg-13371	114	16	of	of	ADP
fueconorg-13371	114	17	reinsurance	reinsurance	NOUN
fueconorg-13371	114	18	in	in	ADP
fueconorg-13371	114	19	reversing	reverse	VERB
fueconorg-13371	114	20	the	the	DET
fueconorg-13371	114	21	trend	trend	NOUN
fueconorg-13371	114	22	of	of	ADP
fueconorg-13371	114	23	decreasing	decrease	VERB
fueconorg-13371	114	24	capital	capital	NOUN
fueconorg-13371	114	25	guarantees	guarantee	NOUN
fueconorg-13371	114	26	in	in	ADP
fueconorg-13371	114	27	life	life	NOUN
fueconorg-13371	114	28	insurance	insurance	NOUN
fueconorg-13371	114	29	products	product	NOUN
fueconorg-13371	114	30	.	.	PUNCT
fueconorg-13371	115	1	using	use	VERB
fueconorg-13371	115	2	a	a	DET
fueconorg-13371	115	3	sample	sample	NOUN
fueconorg-13371	115	4	of	of	ADP
fueconorg-13371	115	5	life	life	NOUN
fueconorg-13371	115	6	insurers	insurer	NOUN
fueconorg-13371	115	7	providing	provide	VERB
fueconorg-13371	115	8	equity	equity	NOUN
fueconorg-13371	115	9	-	-	PUNCT
fueconorg-13371	115	10	linked	link	VERB
fueconorg-13371	115	11	products	product	NOUN
fueconorg-13371	115	12	with	with	ADP
fueconorg-13371	115	13	capital	capital	NOUN
fueconorg-13371	115	14	guarantees	guarantee	NOUN
fueconorg-13371	115	15	analyzed	analyze	VERB
fueconorg-13371	115	16	with	with	ADP
fueconorg-13371	115	17	the	the	DET
fueconorg-13371	115	18	value	value	NOUN
fueconorg-13371	115	19	-	-	PUNCT
fueconorg-13371	115	20	at	at	ADP
fueconorg-13371	115	21	-	-	PUNCT
fueconorg-13371	115	22	risk	risk	NOUN
fueconorg-13371	115	23	model	model	NOUN
fueconorg-13371	115	24	,	,	PUNCT
fueconorg-13371	115	25	they	they	PRON
fueconorg-13371	115	26	find	find	VERB
fueconorg-13371	115	27	that	that	SCONJ
fueconorg-13371	115	28	reinsurance	reinsurance	NOUN
fueconorg-13371	115	29	,	,	PUNCT
fueconorg-13371	115	30	when	when	SCONJ
fueconorg-13371	115	31	optimally	optimally	ADV
fueconorg-13371	115	32	managed	manage	VERB
fueconorg-13371	115	33	,	,	PUNCT
fueconorg-13371	115	34	can	can	AUX
fueconorg-13371	115	35	yield	yield	VERB
fueconorg-13371	115	36	considerably	considerably	ADV
fueconorg-13371	115	37	higher	high	ADJ
fueconorg-13371	115	38	capital	capital	NOUN
fueconorg-13371	115	39	guarantees	guarantee	NOUN
fueconorg-13371	115	40	.	.	PUNCT
fueconorg-13371	116	1	sheikh	sheikh	PROPN
fueconorg-13371	116	2	,	,	PUNCT
fueconorg-13371	116	3	et	et	PROPN
fueconorg-13371	116	4	al	al	PROPN
fueconorg-13371	116	5	.	.	PUNCT
fueconorg-13371	117	1	(	(	PUNCT
fueconorg-13371	117	2	2018	2018	NUM
fueconorg-13371	117	3	)	)	PUNCT
fueconorg-13371	117	4	studied	study	VERB
fueconorg-13371	117	5	27	27	NUM
fueconorg-13371	117	6	non	non	ADJ
fueconorg-13371	117	7	-	-	NOUN
fueconorg-13371	117	8	life	life	ADJ
fueconorg-13371	117	9	and	and	CCONJ
fueconorg-13371	117	10	six	six	NUM
fueconorg-13371	117	11	life	life	NOUN
fueconorg-13371	117	12	insurance	insurance	NOUN
fueconorg-13371	117	13	companies	company	NOUN
fueconorg-13371	117	14	in	in	ADP
fueconorg-13371	117	15	pakistan	pakistan	PROPN
fueconorg-13371	117	16	over	over	ADP
fueconorg-13371	117	17	the	the	DET
fueconorg-13371	117	18	period	period	NOUN
fueconorg-13371	117	19	2002	2002	NUM
fueconorg-13371	117	20	to	to	ADP
fueconorg-13371	117	21	2012	2012	NUM
fueconorg-13371	117	22	.	.	PUNCT
fueconorg-13371	118	1	the	the	DET
fueconorg-13371	118	2	authors	author	NOUN
fueconorg-13371	118	3	examined	examine	VERB
fueconorg-13371	118	4	the	the	DET
fueconorg-13371	118	5	determinants	determinant	NOUN
fueconorg-13371	118	6	of	of	ADP
fueconorg-13371	118	7	corporate	corporate	ADJ
fueconorg-13371	118	8	reinsurance	reinsurance	NOUN
fueconorg-13371	118	9	utilization	utilization	NOUN
fueconorg-13371	118	10	in	in	ADP
fueconorg-13371	118	11	the	the	DET
fueconorg-13371	118	12	life	life	NOUN
fueconorg-13371	118	13	and	and	CCONJ
fueconorg-13371	118	14	non	non	ADJ
fueconorg-13371	118	15	-	-	ADJ
fueconorg-13371	118	16	life	life	ADJ
fueconorg-13371	118	17	sectors	sector	NOUN
fueconorg-13371	118	18	of	of	ADP
fueconorg-13371	118	19	the	the	DET
fueconorg-13371	118	20	pakistan	pakistan	PROPN
fueconorg-13371	118	21	insurance	insurance	NOUN
fueconorg-13371	118	22	industry	industry	NOUN
fueconorg-13371	118	23	.	.	PUNCT
fueconorg-13371	119	1	it	it	PRON
fueconorg-13371	119	2	was	be	AUX
fueconorg-13371	119	3	observed	observe	VERB
fueconorg-13371	119	4	that	that	SCONJ
fueconorg-13371	119	5	life	life	NOUN
fueconorg-13371	119	6	insurance	insurance	NOUN
fueconorg-13371	119	7	companies	company	NOUN
fueconorg-13371	119	8	with	with	ADP
fueconorg-13371	119	9	increased	increase	VERB
fueconorg-13371	119	10	leverage	leverage	NOUN
fueconorg-13371	119	11	made	make	VERB
fueconorg-13371	119	12	greater	great	ADJ
fueconorg-13371	119	13	reinsurance	reinsurance	NOUN
fueconorg-13371	119	14	purchases	purchase	NOUN
fueconorg-13371	119	15	with	with	ADP
fueconorg-13371	119	16	increased	increase	VERB
fueconorg-13371	119	17	solvency	solvency	NOUN
fueconorg-13371	119	18	risk	risk	NOUN
fueconorg-13371	119	19	than	than	ADP
fueconorg-13371	119	20	the	the	DET
fueconorg-13371	119	21	non	non	ADJ
fueconorg-13371	119	22	-	-	ADJ
fueconorg-13371	119	23	life	life	ADJ
fueconorg-13371	119	24	stock	stock	NOUN
fueconorg-13371	119	25	insurance	insurance	NOUN
fueconorg-13371	119	26	firms	firm	NOUN
fueconorg-13371	119	27	.	.	PUNCT
fueconorg-13371	120	1	moreover	moreover	ADV
fueconorg-13371	120	2	,	,	PUNCT
fueconorg-13371	120	3	inasmuch	inasmuch	ADJ
fueconorg-13371	120	4	as	as	ADP
fueconorg-13371	120	5	solvency	solvency	NOUN
fueconorg-13371	120	6	risk	risk	NOUN
fueconorg-13371	120	7	,	,	PUNCT
fueconorg-13371	120	8	underwriting	underwriting	NOUN
fueconorg-13371	120	9	risk	risk	NOUN
fueconorg-13371	120	10	and	and	CCONJ
fueconorg-13371	120	11	business	business	NOUN
fueconorg-13371	120	12	mix	mix	NOUN
fueconorg-13371	120	13	were	be	AUX
fueconorg-13371	120	14	significant	significant	ADJ
fueconorg-13371	120	15	factors	factor	NOUN
fueconorg-13371	120	16	in	in	ADP
fueconorg-13371	120	17	determining	determine	VERB
fueconorg-13371	120	18	reinsurance	reinsurance	NOUN
fueconorg-13371	120	19	demand	demand	NOUN
fueconorg-13371	120	20	,	,	PUNCT
fueconorg-13371	120	21	they	they	PRON
fueconorg-13371	120	22	had	have	VERB
fueconorg-13371	120	23	different	different	ADJ
fueconorg-13371	120	24	effects	effect	NOUN
fueconorg-13371	120	25	on	on	ADP
fueconorg-13371	120	26	the	the	DET
fueconorg-13371	120	27	reinsurance	reinsurance	NOUN
fueconorg-13371	120	28	utilization	utilization	NOUN
fueconorg-13371	120	29	in	in	ADP
fueconorg-13371	120	30	the	the	DET
fueconorg-13371	120	31	two	two	NUM
fueconorg-13371	120	32	sectors	sector	NOUN
fueconorg-13371	120	33	of	of	ADP
fueconorg-13371	120	34	the	the	DET
fueconorg-13371	120	35	industry	industry	NOUN
fueconorg-13371	120	36	.	.	PUNCT
fueconorg-13371	121	1	their	their	PRON
fueconorg-13371	121	2	findings	finding	NOUN
fueconorg-13371	121	3	align	align	VERB
fueconorg-13371	121	4	with	with	ADP
fueconorg-13371	121	5	those	those	PRON
fueconorg-13371	121	6	of	of	ADP
fueconorg-13371	121	7	kader	kader	PROPN
fueconorg-13371	121	8	,	,	PUNCT
fueconorg-13371	121	9	et	et	PROPN
fueconorg-13371	121	10	al	al	PROPN
fueconorg-13371	121	11	.	.	PROPN
fueconorg-13371	122	1	(	(	PUNCT
fueconorg-13371	122	2	2010	2010	NUM
fueconorg-13371	122	3	)	)	PUNCT
fueconorg-13371	122	4	and	and	CCONJ
fueconorg-13371	122	5	carneiro	carneiro	PROPN
fueconorg-13371	122	6	and	and	CCONJ
fueconorg-13371	122	7	sherris	sherris	PROPN
fueconorg-13371	122	8	(	(	PUNCT
fueconorg-13371	122	9	2005	2005	NUM
fueconorg-13371	122	10	)	)	PUNCT
fueconorg-13371	122	11	.	.	PUNCT
fueconorg-13371	123	1	in	in	ADP
fueconorg-13371	123	2	a	a	DET
fueconorg-13371	123	3	study	study	NOUN
fueconorg-13371	123	4	of	of	ADP
fueconorg-13371	123	5	the	the	DET
fueconorg-13371	123	6	interactions	interaction	NOUN
fueconorg-13371	123	7	between	between	ADP
fueconorg-13371	123	8	risk	risk	NOUN
fueconorg-13371	123	9	taking	taking	NOUN
fueconorg-13371	123	10	,	,	PUNCT
fueconorg-13371	123	11	capital	capital	NOUN
fueconorg-13371	123	12	and	and	CCONJ
fueconorg-13371	123	13	reinsurance	reinsurance	NOUN
fueconorg-13371	123	14	for	for	ADP
fueconorg-13371	123	15	property	property	NOUN
fueconorg-13371	123	16	liability	liability	NOUN
fueconorg-13371	123	17	insurance	insurance	NOUN
fueconorg-13371	123	18	firms	firm	NOUN
fueconorg-13371	123	19	,	,	PUNCT
fueconorg-13371	123	20	mankai	mankai	NOUN
fueconorg-13371	123	21	and	and	CCONJ
fueconorg-13371	123	22	belgacem	belgacem	NOUN
fueconorg-13371	123	23	(	(	PUNCT
fueconorg-13371	123	24	2016	2016	NUM
fueconorg-13371	123	25	)	)	PUNCT
fueconorg-13371	123	26	used	use	VERB
fueconorg-13371	123	27	reinsurance	reinsurance	NOUN
fueconorg-13371	123	28	usage	usage	NOUN
fueconorg-13371	123	29	as	as	ADP
fueconorg-13371	123	30	an	an	DET
fueconorg-13371	123	31	endogenous	endogenous	ADJ
fueconorg-13371	123	32	decision	decision	NOUN
fueconorg-13371	123	33	variable	variable	NOUN
fueconorg-13371	123	34	and	and	CCONJ
fueconorg-13371	123	35	find	find	VERB
fueconorg-13371	123	36	that	that	SCONJ
fueconorg-13371	123	37	risk	risk	NOUN
fueconorg-13371	123	38	-	-	PUNCT
fueconorg-13371	123	39	taking	taking	NOUN
fueconorg-13371	123	40	is	be	AUX
fueconorg-13371	123	41	positively	positively	ADV
fueconorg-13371	123	42	associated	associate	VERB
fueconorg-13371	123	43	with	with	ADP
fueconorg-13371	123	44	capital	capital	NOUN
fueconorg-13371	123	45	while	while	SCONJ
fueconorg-13371	123	46	reinsurance	reinsurance	NOUN
fueconorg-13371	123	47	is	be	AUX
fueconorg-13371	123	48	negatively	negatively	ADV
fueconorg-13371	123	49	related	relate	VERB
fueconorg-13371	123	50	with	with	ADP
fueconorg-13371	123	51	capital	capital	NOUN
fueconorg-13371	123	52	.	.	PUNCT
fueconorg-13371	124	1	their	their	PRON
fueconorg-13371	124	2	results	result	NOUN
fueconorg-13371	124	3	,	,	PUNCT
fueconorg-13371	124	4	however	however	ADV
fueconorg-13371	124	5	,	,	PUNCT
fueconorg-13371	124	6	appeared	appear	VERB
fueconorg-13371	124	7	to	to	PART
fueconorg-13371	124	8	vary	vary	VERB
fueconorg-13371	124	9	with	with	ADP
fueconorg-13371	124	10	the	the	DET
fueconorg-13371	124	11	insurer	insurer	NOUN
fueconorg-13371	124	12	’s	’s	PART
fueconorg-13371	124	13	capitalization	capitalization	NOUN
fueconorg-13371	124	14	,	,	PUNCT
fueconorg-13371	124	15	group	group	NOUN
fueconorg-13371	124	16	size	size	NOUN
fueconorg-13371	124	17	affiliation	affiliation	NOUN
fueconorg-13371	124	18	and	and	CCONJ
fueconorg-13371	124	19	organizational	organizational	ADJ
fueconorg-13371	124	20	form	form	NOUN
fueconorg-13371	124	21	.	.	PUNCT
fueconorg-13371	125	1	hoerger	hoerger	NOUN
fueconorg-13371	125	2	,	,	PUNCT
fueconorg-13371	125	3	et	et	PROPN
fueconorg-13371	125	4	al	al	PROPN
fueconorg-13371	125	5	.	.	PROPN
fueconorg-13371	126	1	(	(	PUNCT
fueconorg-13371	126	2	1990	1990	NUM
fueconorg-13371	126	3	)	)	PUNCT
fueconorg-13371	126	4	studied	study	VERB
fueconorg-13371	126	5	the	the	DET
fueconorg-13371	126	6	effect	effect	NOUN
fueconorg-13371	126	7	of	of	ADP
fueconorg-13371	126	8	financial	financial	ADJ
fueconorg-13371	126	9	leverage	leverage	NOUN
fueconorg-13371	126	10	on	on	ADP
fueconorg-13371	126	11	the	the	DET
fueconorg-13371	126	12	reinsurance	reinsurance	NOUN
fueconorg-13371	126	13	consumption	consumption	NOUN
fueconorg-13371	126	14	of	of	ADP
fueconorg-13371	126	15	the	the	DET
fueconorg-13371	126	16	insurance	insurance	NOUN
fueconorg-13371	126	17	firm	firm	NOUN
fueconorg-13371	126	18	.	.	PUNCT
fueconorg-13371	127	1	it	it	PRON
fueconorg-13371	127	2	was	be	AUX
fueconorg-13371	127	3	discovered	discover	VERB
fueconorg-13371	127	4	that	that	SCONJ
fueconorg-13371	127	5	insurance	insurance	NOUN
fueconorg-13371	127	6	purchases	purchase	NOUN
fueconorg-13371	127	7	are	be	AUX
fueconorg-13371	127	8	influenced	influence	VERB
fueconorg-13371	127	9	by	by	ADP
fueconorg-13371	127	10	the	the	DET
fueconorg-13371	127	11	insurer	insurer	NOUN
fueconorg-13371	127	12	’s	’s	PART
fueconorg-13371	127	13	surplus	surplus	NOUN
fueconorg-13371	127	14	,	,	PUNCT
fueconorg-13371	127	15	and	and	CCONJ
fueconorg-13371	127	16	,	,	PUNCT
fueconorg-13371	127	17	a	a	DET
fueconorg-13371	127	18	low	low	ADJ
fueconorg-13371	127	19	surplus	surplus	NOUN
fueconorg-13371	127	20	on	on	ADP
fueconorg-13371	127	21	premium	premium	NOUN
fueconorg-13371	127	22	increased	increase	VERB
fueconorg-13371	127	23	the	the	DET
fueconorg-13371	127	24	need	need	NOUN
fueconorg-13371	127	25	for	for	ADP
fueconorg-13371	127	26	reinsurance	reinsurance	NOUN
fueconorg-13371	127	27	in	in	ADP
fueconorg-13371	127	28	property	property	NOUN
fueconorg-13371	127	29	and	and	CCONJ
fueconorg-13371	127	30	liability	liability	NOUN
fueconorg-13371	127	31	insurance	insurance	NOUN
fueconorg-13371	127	32	,	,	PUNCT
fueconorg-13371	127	33	where	where	SCONJ
fueconorg-13371	127	34	the	the	DET
fueconorg-13371	127	35	insurer	insurer	NOUN
fueconorg-13371	127	36	’s	’s	PART
fueconorg-13371	127	37	surplus	surplus	NOUN
fueconorg-13371	127	38	to	to	ADP
fueconorg-13371	127	39	the	the	DET
fueconorg-13371	127	40	premium	premium	NOUN
fueconorg-13371	127	41	was	be	AUX
fueconorg-13371	127	42	used	use	VERB
fueconorg-13371	127	43	as	as	ADP
fueconorg-13371	127	44	a	a	DET
fueconorg-13371	127	45	contrary	contrary	ADJ
fueconorg-13371	127	46	measurement	measurement	NOUN
fueconorg-13371	127	47	of	of	ADP
fueconorg-13371	127	48	financial	financial	ADJ
fueconorg-13371	127	49	leverage	leverage	NOUN
fueconorg-13371	127	50	.	.	PUNCT
fueconorg-13371	128	1	cedar	cedar	NOUN
fueconorg-13371	128	2	and	and	CCONJ
fueconorg-13371	128	3	thompson	thompson	PROPN
fueconorg-13371	128	4	(	(	PUNCT
fueconorg-13371	128	5	2020	2020	NUM
fueconorg-13371	128	6	)	)	PUNCT
fueconorg-13371	128	7	in	in	ADP
fueconorg-13371	128	8	a	a	DET
fueconorg-13371	128	9	study	study	NOUN
fueconorg-13371	128	10	of	of	ADP
fueconorg-13371	128	11	reinsurance	reinsurance	NOUN
fueconorg-13371	128	12	sessions	session	NOUN
fueconorg-13371	128	13	showed	show	VERB
fueconorg-13371	128	14	that	that	SCONJ
fueconorg-13371	128	15	internal	internal	ADJ
fueconorg-13371	128	16	reinsurance	reinsurance	NOUN
fueconorg-13371	128	17	may	may	AUX
fueconorg-13371	128	18	be	be	AUX
fueconorg-13371	128	19	a	a	DET
fueconorg-13371	128	20	better	well	ADJ
fueconorg-13371	128	21	alternative	alternative	NOUN
fueconorg-13371	128	22	to	to	ADP
fueconorg-13371	128	23	external	external	ADJ
fueconorg-13371	128	24	reinsurance	reinsurance	NOUN
fueconorg-13371	128	25	.	.	PUNCT
fueconorg-13371	129	1	in	in	ADP
fueconorg-13371	129	2	a	a	DET
fueconorg-13371	129	3	study	study	NOUN
fueconorg-13371	129	4	of	of	ADP
fueconorg-13371	129	5	us	us	PROPN
fueconorg-13371	129	6	insurers	insurer	NOUN
fueconorg-13371	129	7	,	,	PUNCT
fueconorg-13371	129	8	they	they	PRON
fueconorg-13371	129	9	discovered	discover	VERB
fueconorg-13371	129	10	that	that	SCONJ
fueconorg-13371	129	11	with	with	ADP
fueconorg-13371	129	12	a	a	DET
fueconorg-13371	129	13	$	$	SYM
fueconorg-13371	129	14	50	50	NUM
fueconorg-13371	129	15	million	million	NUM
fueconorg-13371	129	16	per	per	ADP
fueconorg-13371	129	17	risk	risk	NOUN
fueconorg-13371	129	18	retention	retention	NOUN
fueconorg-13371	129	19	,	,	PUNCT
fueconorg-13371	129	20	a	a	DET
fueconorg-13371	129	21	$	$	SYM
fueconorg-13371	129	22	30	30	NUM
fueconorg-13371	129	23	million	million	NUM
fueconorg-13371	129	24	reinsurance	reinsurance	NOUN
fueconorg-13371	129	25	was	be	AUX
fueconorg-13371	129	26	purchased	purchase	VERB
fueconorg-13371	129	27	in	in	ADP
fueconorg-13371	129	28	excess	excess	NOUN
fueconorg-13371	129	29	of	of	ADP
fueconorg-13371	129	30	$	$	SYM
fueconorg-13371	129	31	20	20	NUM
fueconorg-13371	129	32	million	million	NUM
fueconorg-13371	129	33	per	per	ADP
fueconorg-13371	129	34	risk	risk	NOUN
fueconorg-13371	129	35	which	which	PRON
fueconorg-13371	129	36	bridged	bridge	VERB
fueconorg-13371	129	37	the	the	DET
fueconorg-13371	129	38	gap	gap	NOUN
fueconorg-13371	129	39	between	between	ADP
fueconorg-13371	129	40	their	their	PRON
fueconorg-13371	129	41	enterprise	enterprise	NOUN
fueconorg-13371	129	42	risk	risk	NOUN
fueconorg-13371	129	43	appetite	appetite	NOUN
fueconorg-13371	129	44	and	and	CCONJ
fueconorg-13371	129	45	that	that	PRON
fueconorg-13371	129	46	of	of	ADP
fueconorg-13371	129	47	their	their	PRON
fueconorg-13371	129	48	reinsurers	reinsurer	NOUN
fueconorg-13371	129	49	.	.	PUNCT
fueconorg-13371	130	1	the	the	DET
fueconorg-13371	130	2	excess	excess	ADJ
fueconorg-13371	130	3	risk	risk	NOUN
fueconorg-13371	130	4	was	be	AUX
fueconorg-13371	130	5	retained	retain	VERB
fueconorg-13371	130	6	in	in	ADP
fueconorg-13371	130	7	-	-	PUNCT
fueconorg-13371	130	8	house	house	NOUN
fueconorg-13371	130	9	and	and	CCONJ
fueconorg-13371	130	10	money	money	NOUN
fueconorg-13371	130	11	was	be	AUX
fueconorg-13371	130	12	saved	save	VERB
fueconorg-13371	130	13	for	for	ADP
fueconorg-13371	130	14	the	the	DET
fueconorg-13371	130	15	company	company	NOUN
fueconorg-13371	130	16	over	over	ADP
fueconorg-13371	130	17	time	time	NOUN
fueconorg-13371	130	18	.	.	PUNCT
fueconorg-13371	131	1	in	in	ADP
fueconorg-13371	131	2	this	this	DET
fueconorg-13371	131	3	way	way	NOUN
fueconorg-13371	131	4	,	,	PUNCT
fueconorg-13371	131	5	internal	internal	ADJ
fueconorg-13371	131	6	reinsurance	reinsurance	NOUN
fueconorg-13371	131	7	was	be	AUX
fueconorg-13371	131	8	used	use	VERB
fueconorg-13371	131	9	in	in	ADP
fueconorg-13371	131	10	normalizing	normalizing	ADJ
fueconorg-13371	131	11	losses	loss	NOUN
fueconorg-13371	131	12	and	and	CCONJ
fueconorg-13371	131	13	stabilizing	stabilize	VERB
fueconorg-13371	131	14	results	result	NOUN
fueconorg-13371	131	15	from	from	ADP
fueconorg-13371	131	16	the	the	DET
fueconorg-13371	131	17	business	business	NOUN
fueconorg-13371	131	18	units	unit	NOUN
fueconorg-13371	131	19	.	.	PUNCT
fueconorg-13371	132	1	kocurek	kocurek	NOUN
fueconorg-13371	132	2	(	(	PUNCT
fueconorg-13371	132	3	2024	2024	NUM
fueconorg-13371	132	4	)	)	PUNCT
fueconorg-13371	132	5	showed	show	VERB
fueconorg-13371	132	6	that	that	SCONJ
fueconorg-13371	132	7	the	the	DET
fueconorg-13371	132	8	reinsurer	reinsurer	NOUN
fueconorg-13371	132	9	applies	apply	VERB
fueconorg-13371	132	10	corporate	corporate	ADJ
fueconorg-13371	132	11	credit	credit	NOUN
fueconorg-13371	132	12	and	and	CCONJ
fueconorg-13371	132	13	structured	structured	ADJ
fueconorg-13371	132	14	credit	credit	NOUN
fueconorg-13371	132	15	strategies	strategy	NOUN
fueconorg-13371	132	16	to	to	PART
fueconorg-13371	132	17	boost	boost	VERB
fueconorg-13371	132	18	its	its	PRON
fueconorg-13371	132	19	performance	performance	NOUN
fueconorg-13371	132	20	benchmark	benchmark	NOUN
fueconorg-13371	132	21	.	.	PUNCT
fueconorg-13371	133	1	the	the	DET
fueconorg-13371	133	2	author	author	NOUN
fueconorg-13371	133	3	asserts	assert	VERB
fueconorg-13371	133	4	that	that	SCONJ
fueconorg-13371	133	5	the	the	PRON
fueconorg-13371	133	6	higher	high	ADJ
fueconorg-13371	133	7	the	the	DET
fueconorg-13371	133	8	structure	structure	NOUN
fueconorg-13371	133	9	credit	credit	NOUN
fueconorg-13371	133	10	volatility	volatility	NOUN
fueconorg-13371	133	11	,	,	PUNCT
fueconorg-13371	133	12	the	the	DET
fueconorg-13371	133	13	better	well	ADJ
fueconorg-13371	133	14	its	its	PRON
fueconorg-13371	133	15	risk	risk	NOUN
fueconorg-13371	133	16	-	-	PUNCT
fueconorg-13371	133	17	adjusted	adjust	VERB
fueconorg-13371	133	18	performance	performance	NOUN
fueconorg-13371	133	19	and	and	CCONJ
fueconorg-13371	133	20	the	the	DET
fueconorg-13371	133	21	more	more	ADV
fueconorg-13371	133	22	improved	improved	ADJ
fueconorg-13371	133	23	equity	equity	NOUN
fueconorg-13371	133	24	listings	listing	NOUN
fueconorg-13371	133	25	.	.	PUNCT
fueconorg-13371	134	1	soye	soye	NOUN
fueconorg-13371	134	2	,	,	PUNCT
fueconorg-13371	134	3	et	et	PROPN
fueconorg-13371	134	4	al	al	PROPN
fueconorg-13371	134	5	.	.	PROPN
fueconorg-13371	134	6	,	,	PUNCT
fueconorg-13371	134	7	(	(	PUNCT
fueconorg-13371	134	8	2022	2022	NUM
fueconorg-13371	134	9	)	)	PUNCT
fueconorg-13371	134	10	in	in	ADP
fueconorg-13371	134	11	a	a	DET
fueconorg-13371	134	12	study	study	NOUN
fueconorg-13371	134	13	of	of	ADP
fueconorg-13371	134	14	reinsurance	reinsurance	NOUN
fueconorg-13371	134	15	as	as	ADP
fueconorg-13371	134	16	a	a	DET
fueconorg-13371	134	17	tool	tool	NOUN
fueconorg-13371	134	18	for	for	ADP
fueconorg-13371	134	19	profitability	profitability	NOUN
fueconorg-13371	134	20	in	in	ADP
fueconorg-13371	134	21	non	non	ADJ
fueconorg-13371	134	22	-	-	ADJ
fueconorg-13371	134	23	life	life	ADJ
fueconorg-13371	134	24	insurance	insurance	NOUN
fueconorg-13371	134	25	companies	company	NOUN
fueconorg-13371	134	26	in	in	ADP
fueconorg-13371	134	27	nigeria	nigeria	PROPN
fueconorg-13371	134	28	,	,	PUNCT
fueconorg-13371	134	29	showed	show	VERB
fueconorg-13371	134	30	that	that	SCONJ
fueconorg-13371	134	31	reinsurance	reinsurance	NOUN
fueconorg-13371	134	32	reduced	reduce	VERB
fueconorg-13371	134	33	the	the	DET
fueconorg-13371	134	34	business	business	NOUN
fueconorg-13371	134	35	risk	risk	NOUN
fueconorg-13371	134	36	of	of	ADP
fueconorg-13371	134	37	the	the	DET
fueconorg-13371	134	38	nigerian	nigerian	ADJ
fueconorg-13371	134	39	financial	financial	ADJ
fueconorg-13371	134	40	system	system	NOUN
fueconorg-13371	134	41	:	:	PUNCT
fueconorg-13371	134	42	the	the	DET
fueconorg-13371	134	43	nexus	nexus	NOUN
fueconorg-13371	134	44	between	between	ADP
fueconorg-13371	134	45	reinsurance	reinsurance	NOUN
fueconorg-13371	134	46	ceded	cede	VERB
fueconorg-13371	134	47	and	and	CCONJ
fueconorg-13371	134	48	equity	equity	NOUN
fueconorg-13371	134	49	financing	financing	NOUN
fueconorg-13371	134	50	in	in	ADP
fueconorg-13371	134	51	the	the	DET
fueconorg-13371	134	52	...	...	SYM
fueconorg-13371	134	53	105	105	NUM
fueconorg-13371	134	54	insurers	insurer	NOUN
fueconorg-13371	134	55	,	,	PUNCT
fueconorg-13371	134	56	served	serve	VERB
fueconorg-13371	134	57	as	as	ADP
fueconorg-13371	134	58	a	a	DET
fueconorg-13371	134	59	means	means	NOUN
fueconorg-13371	134	60	of	of	ADP
fueconorg-13371	134	61	sustaining	sustain	VERB
fueconorg-13371	134	62	the	the	DET
fueconorg-13371	134	63	capital	capital	NOUN
fueconorg-13371	134	64	base	base	NOUN
fueconorg-13371	134	65	and	and	CCONJ
fueconorg-13371	134	66	enabled	enable	VERB
fueconorg-13371	134	67	insurers	insurer	NOUN
fueconorg-13371	134	68	manage	manage	VERB
fueconorg-13371	134	69	their	their	PRON
fueconorg-13371	134	70	assets	asset	NOUN
fueconorg-13371	134	71	,	,	PUNCT
fueconorg-13371	134	72	capital	capital	NOUN
fueconorg-13371	134	73	and	and	CCONJ
fueconorg-13371	134	74	underwriting	underwriting	NOUN
fueconorg-13371	134	75	proficiently	proficiently	ADV
fueconorg-13371	134	76	.	.	PUNCT
fueconorg-13371	135	1	in	in	ADP
fueconorg-13371	135	2	a	a	DET
fueconorg-13371	135	3	study	study	NOUN
fueconorg-13371	135	4	of	of	ADP
fueconorg-13371	135	5	16	16	NUM
fueconorg-13371	135	6	insurance	insurance	NOUN
fueconorg-13371	135	7	companies	company	NOUN
fueconorg-13371	135	8	in	in	ADP
fueconorg-13371	135	9	nepal	nepal	ADJ
fueconorg-13371	135	10	,	,	PUNCT
fueconorg-13371	135	11	wosti	wosti	NOUN
fueconorg-13371	135	12	and	and	CCONJ
fueconorg-13371	135	13	pradhan	pradhan	PROPN
fueconorg-13371	135	14	(	(	PUNCT
fueconorg-13371	135	15	2023	2023	NUM
fueconorg-13371	135	16	)	)	PUNCT
fueconorg-13371	135	17	found	find	VERB
fueconorg-13371	135	18	a	a	DET
fueconorg-13371	135	19	positive	positive	ADJ
fueconorg-13371	135	20	effect	effect	NOUN
fueconorg-13371	135	21	of	of	ADP
fueconorg-13371	135	22	the	the	DET
fueconorg-13371	135	23	ratio	ratio	NOUN
fueconorg-13371	135	24	of	of	ADP
fueconorg-13371	135	25	ceded	ceded	ADJ
fueconorg-13371	135	26	reinsurance	reinsurance	NOUN
fueconorg-13371	135	27	on	on	ADP
fueconorg-13371	135	28	return	return	NOUN
fueconorg-13371	135	29	on	on	ADP
fueconorg-13371	135	30	equity	equity	NOUN
fueconorg-13371	135	31	,	,	PUNCT
fueconorg-13371	135	32	which	which	PRON
fueconorg-13371	135	33	strengthened	strengthen	VERB
fueconorg-13371	135	34	the	the	DET
fueconorg-13371	135	35	assertion	assertion	NOUN
fueconorg-13371	135	36	of	of	ADP
fueconorg-13371	135	37	the	the	DET
fueconorg-13371	135	38	positive	positive	ADJ
fueconorg-13371	135	39	role	role	NOUN
fueconorg-13371	135	40	of	of	ADP
fueconorg-13371	135	41	reinsurance	reinsurance	NOUN
fueconorg-13371	135	42	cession	cession	NOUN
fueconorg-13371	135	43	as	as	ADP
fueconorg-13371	135	44	a	a	DET
fueconorg-13371	135	45	risk	risk	NOUN
fueconorg-13371	135	46	mitigation	mitigation	NOUN
fueconorg-13371	135	47	tool	tool	NOUN
fueconorg-13371	135	48	.	.	PUNCT
fueconorg-13371	136	1	in	in	ADP
fueconorg-13371	136	2	a	a	DET
fueconorg-13371	136	3	related	related	ADJ
fueconorg-13371	136	4	study	study	NOUN
fueconorg-13371	136	5	,	,	PUNCT
fueconorg-13371	136	6	fadun	fadun	VERB
fueconorg-13371	136	7	,	,	PUNCT
fueconorg-13371	136	8	et	et	PROPN
fueconorg-13371	136	9	al	al	PROPN
fueconorg-13371	136	10	.	.	PROPN
fueconorg-13371	136	11	,	,	PUNCT
fueconorg-13371	136	12	(	(	PUNCT
fueconorg-13371	136	13	2023	2023	NUM
fueconorg-13371	136	14	)	)	PUNCT
fueconorg-13371	136	15	found	find	VERB
fueconorg-13371	136	16	a	a	DET
fueconorg-13371	136	17	positive	positive	ADJ
fueconorg-13371	136	18	significant	significant	ADJ
fueconorg-13371	136	19	effect	effect	NOUN
fueconorg-13371	136	20	of	of	ADP
fueconorg-13371	136	21	reinsurance	reinsurance	NOUN
fueconorg-13371	136	22	transactions	transaction	NOUN
fueconorg-13371	136	23	on	on	ADP
fueconorg-13371	136	24	the	the	DET
fueconorg-13371	136	25	gross	gross	ADJ
fueconorg-13371	136	26	premium	premium	NOUN
fueconorg-13371	136	27	income	income	NOUN
fueconorg-13371	136	28	of	of	ADP
fueconorg-13371	136	29	non	non	ADJ
fueconorg-13371	136	30	-	-	ADJ
fueconorg-13371	136	31	life	life	ADJ
fueconorg-13371	136	32	insurance	insurance	NOUN
fueconorg-13371	136	33	companies	company	NOUN
fueconorg-13371	136	34	in	in	ADP
fueconorg-13371	136	35	nigeria	nigeria	PROPN
fueconorg-13371	136	36	.	.	PUNCT
fueconorg-13371	137	1	this	this	DET
fueconorg-13371	137	2	study	study	NOUN
fueconorg-13371	137	3	contributes	contribute	VERB
fueconorg-13371	137	4	to	to	ADP
fueconorg-13371	137	5	knowledge	knowledge	NOUN
fueconorg-13371	137	6	as	as	SCONJ
fueconorg-13371	137	7	follows	follow	VERB
fueconorg-13371	137	8	:	:	PUNCT
fueconorg-13371	137	9	first	first	ADV
fueconorg-13371	137	10	,	,	PUNCT
fueconorg-13371	137	11	the	the	DET
fueconorg-13371	137	12	study	study	NOUN
fueconorg-13371	137	13	of	of	ADP
fueconorg-13371	137	14	equity	equity	NOUN
fueconorg-13371	137	15	as	as	ADP
fueconorg-13371	137	16	a	a	DET
fueconorg-13371	137	17	measure	measure	NOUN
fueconorg-13371	137	18	of	of	ADP
fueconorg-13371	137	19	capital	capital	NOUN
fueconorg-13371	137	20	structure	structure	NOUN
fueconorg-13371	137	21	brings	bring	VERB
fueconorg-13371	137	22	new	new	ADJ
fueconorg-13371	137	23	insight	insight	NOUN
fueconorg-13371	137	24	to	to	ADP
fueconorg-13371	137	25	the	the	DET
fueconorg-13371	137	26	study	study	NOUN
fueconorg-13371	137	27	of	of	ADP
fueconorg-13371	137	28	insurer	insurer	NOUN
fueconorg-13371	137	29	’s	’s	PART
fueconorg-13371	137	30	capital	capital	NOUN
fueconorg-13371	137	31	structure	structure	NOUN
fueconorg-13371	137	32	and	and	CCONJ
fueconorg-13371	137	33	reinsurance	reinsurance	NOUN
fueconorg-13371	137	34	utilization	utilization	NOUN
fueconorg-13371	137	35	relative	relative	ADJ
fueconorg-13371	137	36	to	to	ADP
fueconorg-13371	137	37	the	the	DET
fueconorg-13371	137	38	use	use	NOUN
fueconorg-13371	137	39	of	of	ADP
fueconorg-13371	137	40	leverage	leverage	NOUN
fueconorg-13371	137	41	adopted	adopt	VERB
fueconorg-13371	137	42	by	by	ADP
fueconorg-13371	137	43	prior	prior	ADJ
fueconorg-13371	137	44	researchers	researcher	NOUN
fueconorg-13371	137	45	on	on	ADP
fueconorg-13371	137	46	the	the	DET
fueconorg-13371	137	47	subject	subject	NOUN
fueconorg-13371	137	48	.	.	PUNCT
fueconorg-13371	138	1	second	second	ADJ
fueconorg-13371	138	2	,	,	PUNCT
fueconorg-13371	138	3	to	to	ADP
fueconorg-13371	138	4	the	the	DET
fueconorg-13371	138	5	best	good	ADJ
fueconorg-13371	138	6	of	of	ADP
fueconorg-13371	138	7	the	the	DET
fueconorg-13371	138	8	researcher	researcher	NOUN
fueconorg-13371	138	9	’s	’s	PART
fueconorg-13371	138	10	knowledge	knowledge	NOUN
fueconorg-13371	138	11	,	,	PUNCT
fueconorg-13371	138	12	a	a	DET
fueconorg-13371	138	13	study	study	NOUN
fueconorg-13371	138	14	of	of	ADP
fueconorg-13371	138	15	this	this	DET
fueconorg-13371	138	16	nature	nature	NOUN
fueconorg-13371	138	17	has	have	AUX
fueconorg-13371	138	18	scarcely	scarcely	ADV
fueconorg-13371	138	19	been	be	AUX
fueconorg-13371	138	20	carried	carry	VERB
fueconorg-13371	138	21	out	out	ADP
fueconorg-13371	138	22	in	in	ADP
fueconorg-13371	138	23	the	the	DET
fueconorg-13371	138	24	nigerian	nigerian	ADJ
fueconorg-13371	138	25	insurance	insurance	NOUN
fueconorg-13371	138	26	industry	industry	NOUN
fueconorg-13371	138	27	as	as	ADP
fueconorg-13371	138	28	previous	previous	ADJ
fueconorg-13371	138	29	works	work	NOUN
fueconorg-13371	138	30	on	on	ADP
fueconorg-13371	138	31	reinsurance	reinsurance	NOUN
fueconorg-13371	138	32	utilization	utilization	NOUN
fueconorg-13371	138	33	and	and	CCONJ
fueconorg-13371	138	34	insurers	insurer	NOUN
fueconorg-13371	138	35	’	'	PUNCT
fueconorg-13371	138	36	capital	capital	NOUN
fueconorg-13371	138	37	have	have	AUX
fueconorg-13371	138	38	been	be	AUX
fueconorg-13371	138	39	carried	carry	VERB
fueconorg-13371	138	40	out	out	ADP
fueconorg-13371	138	41	majorly	majorly	ADV
fueconorg-13371	138	42	in	in	ADP
fueconorg-13371	138	43	the	the	DET
fueconorg-13371	138	44	united	united	PROPN
fueconorg-13371	138	45	states	states	PROPN
fueconorg-13371	138	46	and	and	CCONJ
fueconorg-13371	138	47	pakistan	pakistan	PROPN
fueconorg-13371	138	48	.	.	PUNCT
fueconorg-13371	139	1	thus	thus	ADV
fueconorg-13371	139	2	,	,	PUNCT
fueconorg-13371	139	3	a	a	DET
fueconorg-13371	139	4	study	study	NOUN
fueconorg-13371	139	5	of	of	ADP
fueconorg-13371	139	6	this	this	DET
fueconorg-13371	139	7	nature	nature	NOUN
fueconorg-13371	139	8	carried	carry	VERB
fueconorg-13371	139	9	out	out	ADP
fueconorg-13371	139	10	on	on	ADP
fueconorg-13371	139	11	the	the	DET
fueconorg-13371	139	12	nigerian	nigerian	ADJ
fueconorg-13371	139	13	insurance	insurance	NOUN
fueconorg-13371	139	14	industry	industry	NOUN
fueconorg-13371	139	15	which	which	PRON
fueconorg-13371	139	16	is	be	AUX
fueconorg-13371	139	17	characterized	characterize	VERB
fueconorg-13371	139	18	by	by	ADP
fueconorg-13371	139	19	low	low	ADJ
fueconorg-13371	139	20	penetration	penetration	NOUN
fueconorg-13371	139	21	and	and	CCONJ
fueconorg-13371	139	22	patronage	patronage	NOUN
fueconorg-13371	139	23	(	(	PUNCT
fueconorg-13371	139	24	oluwabiyi	oluwabiyi	ADJ
fueconorg-13371	139	25	,	,	PUNCT
fueconorg-13371	139	26	asikhia	asikhia	NOUN
fueconorg-13371	139	27	and	and	CCONJ
fueconorg-13371	139	28	egwuonwu	egwuonwu	NOUN
fueconorg-13371	139	29	,	,	PUNCT
fueconorg-13371	139	30	2022	2022	NUM
fueconorg-13371	139	31	;	;	PUNCT
fueconorg-13371	139	32	tajudeen	tajudeen	NOUN
fueconorg-13371	139	33	,	,	PUNCT
fueconorg-13371	139	34	2022	2022	NUM
fueconorg-13371	139	35	)	)	PUNCT
fueconorg-13371	139	36	will	will	AUX
fueconorg-13371	139	37	add	add	VERB
fueconorg-13371	139	38	to	to	ADP
fueconorg-13371	139	39	the	the	DET
fueconorg-13371	139	40	existing	exist	VERB
fueconorg-13371	139	41	knowledge	knowledge	NOUN
fueconorg-13371	139	42	on	on	ADP
fueconorg-13371	139	43	the	the	DET
fueconorg-13371	139	44	topic	topic	NOUN
fueconorg-13371	139	45	.	.	PUNCT
fueconorg-13371	140	1	3	3	X
fueconorg-13371	140	2	.	.	X
fueconorg-13371	140	3	research	research	NOUN
fueconorg-13371	140	4	methodology	methodology	NOUN
fueconorg-13371	140	5	the	the	DET
fueconorg-13371	140	6	ex	ex	ADJ
fueconorg-13371	140	7	post	post	X
fueconorg-13371	140	8	facto	facto	X
fueconorg-13371	140	9	research	research	NOUN
fueconorg-13371	140	10	design	design	NOUN
fueconorg-13371	140	11	was	be	AUX
fueconorg-13371	140	12	adopted	adopt	VERB
fueconorg-13371	140	13	.	.	PUNCT
fueconorg-13371	141	1	as	as	SCONJ
fueconorg-13371	141	2	this	this	DET
fueconorg-13371	141	3	study	study	NOUN
fueconorg-13371	141	4	is	be	AUX
fueconorg-13371	141	5	non	non	ADJ
fueconorg-13371	141	6	-	-	ADJ
fueconorg-13371	141	7	experimental	experimental	ADJ
fueconorg-13371	141	8	and	and	CCONJ
fueconorg-13371	141	9	seeks	seek	VERB
fueconorg-13371	141	10	to	to	PART
fueconorg-13371	141	11	establish	establish	VERB
fueconorg-13371	141	12	a	a	DET
fueconorg-13371	141	13	connection	connection	NOUN
fueconorg-13371	141	14	between	between	ADP
fueconorg-13371	141	15	the	the	DET
fueconorg-13371	141	16	dependent	dependent	ADJ
fueconorg-13371	141	17	and	and	CCONJ
fueconorg-13371	141	18	independent	independent	ADJ
fueconorg-13371	141	19	variables	variable	NOUN
fueconorg-13371	141	20	,	,	PUNCT
fueconorg-13371	141	21	coupled	couple	VERB
fueconorg-13371	141	22	with	with	ADP
fueconorg-13371	141	23	the	the	DET
fueconorg-13371	141	24	fact	fact	NOUN
fueconorg-13371	141	25	that	that	SCONJ
fueconorg-13371	141	26	within	within	ADP
fueconorg-13371	141	27	the	the	DET
fueconorg-13371	141	28	limits	limit	NOUN
fueconorg-13371	141	29	of	of	ADP
fueconorg-13371	141	30	the	the	DET
fueconorg-13371	141	31	research	research	NOUN
fueconorg-13371	141	32	,	,	PUNCT
fueconorg-13371	141	33	there	there	PRON
fueconorg-13371	141	34	is	be	VERB
fueconorg-13371	141	35	no	no	DET
fueconorg-13371	141	36	possibility	possibility	NOUN
fueconorg-13371	141	37	of	of	ADP
fueconorg-13371	141	38	manipulating	manipulate	VERB
fueconorg-13371	141	39	the	the	DET
fueconorg-13371	141	40	variables	variable	NOUN
fueconorg-13371	141	41	,	,	PUNCT
fueconorg-13371	141	42	the	the	DET
fueconorg-13371	141	43	usage	usage	NOUN
fueconorg-13371	141	44	of	of	ADP
fueconorg-13371	141	45	the	the	DET
fueconorg-13371	141	46	ex	ex	X
fueconorg-13371	141	47	post	post	X
fueconorg-13371	141	48	facto	facto	X
fueconorg-13371	141	49	research	research	NOUN
fueconorg-13371	141	50	design	design	NOUN
fueconorg-13371	141	51	by	by	ADP
fueconorg-13371	141	52	the	the	DET
fueconorg-13371	141	53	researcher	researcher	NOUN
fueconorg-13371	141	54	is	be	AUX
fueconorg-13371	141	55	justified	justify	VERB
fueconorg-13371	141	56	.	.	PUNCT
fueconorg-13371	142	1	the	the	DET
fueconorg-13371	142	2	population	population	NOUN
fueconorg-13371	142	3	was	be	AUX
fueconorg-13371	142	4	made	make	VERB
fueconorg-13371	142	5	up	up	ADP
fueconorg-13371	142	6	of	of	ADP
fueconorg-13371	142	7	the	the	DET
fueconorg-13371	142	8	36	36	NUM
fueconorg-13371	142	9	companies	company	NOUN
fueconorg-13371	142	10	undertaking	undertake	VERB
fueconorg-13371	142	11	non	non	ADJ
fueconorg-13371	142	12	-	-	ADJ
fueconorg-13371	142	13	life	life	ADJ
fueconorg-13371	142	14	insurance	insurance	NOUN
fueconorg-13371	142	15	business	business	NOUN
fueconorg-13371	142	16	in	in	ADP
fueconorg-13371	142	17	nigeria	nigeria	PROPN
fueconorg-13371	142	18	as	as	ADP
fueconorg-13371	142	19	of	of	ADP
fueconorg-13371	142	20	december	december	PROPN
fueconorg-13371	142	21	,	,	PUNCT
fueconorg-13371	142	22	2022	2022	NUM
fueconorg-13371	142	23	.	.	PUNCT
fueconorg-13371	143	1	these	these	DET
fueconorg-13371	143	2	companies	company	NOUN
fueconorg-13371	143	3	were	be	AUX
fueconorg-13371	143	4	chosen	choose	VERB
fueconorg-13371	143	5	because	because	SCONJ
fueconorg-13371	143	6	of	of	ADP
fueconorg-13371	143	7	the	the	DET
fueconorg-13371	143	8	availability	availability	NOUN
fueconorg-13371	143	9	of	of	ADP
fueconorg-13371	143	10	their	their	PRON
fueconorg-13371	143	11	data	datum	NOUN
fueconorg-13371	143	12	as	as	ADP
fueconorg-13371	143	13	at	at	ADP
fueconorg-13371	143	14	the	the	DET
fueconorg-13371	143	15	time	time	NOUN
fueconorg-13371	143	16	of	of	ADP
fueconorg-13371	143	17	the	the	DET
fueconorg-13371	143	18	study	study	NOUN
fueconorg-13371	143	19	.	.	PUNCT
fueconorg-13371	144	1	using	use	VERB
fueconorg-13371	144	2	a	a	DET
fueconorg-13371	144	3	non	non	ADJ
fueconorg-13371	144	4	-	-	ADJ
fueconorg-13371	144	5	probability	probability	ADJ
fueconorg-13371	144	6	sampling	sampling	NOUN
fueconorg-13371	144	7	method	method	NOUN
fueconorg-13371	144	8	,	,	PUNCT
fueconorg-13371	144	9	the	the	DET
fueconorg-13371	144	10	purposive	purposive	ADJ
fueconorg-13371	144	11	sampling	sampling	NOUN
fueconorg-13371	144	12	technique	technique	NOUN
fueconorg-13371	144	13	was	be	AUX
fueconorg-13371	144	14	used	use	VERB
fueconorg-13371	144	15	for	for	ADP
fueconorg-13371	144	16	the	the	DET
fueconorg-13371	144	17	study	study	NOUN
fueconorg-13371	144	18	.	.	PUNCT
fueconorg-13371	145	1	this	this	DET
fueconorg-13371	145	2	sampling	sampling	NOUN
fueconorg-13371	145	3	method	method	NOUN
fueconorg-13371	145	4	,	,	PUNCT
fueconorg-13371	145	5	also	also	ADV
fueconorg-13371	145	6	known	know	VERB
fueconorg-13371	145	7	as	as	ADP
fueconorg-13371	145	8	judgment	judgment	NOUN
fueconorg-13371	145	9	sampling	sampling	NOUN
fueconorg-13371	145	10	is	be	AUX
fueconorg-13371	145	11	grounded	ground	VERB
fueconorg-13371	145	12	on	on	ADP
fueconorg-13371	145	13	the	the	DET
fueconorg-13371	145	14	attributes	attribute	NOUN
fueconorg-13371	145	15	of	of	ADP
fueconorg-13371	145	16	the	the	DET
fueconorg-13371	145	17	population	population	NOUN
fueconorg-13371	145	18	.	.	PUNCT
fueconorg-13371	146	1	thus	thus	ADV
fueconorg-13371	146	2	,	,	PUNCT
fueconorg-13371	146	3	to	to	PART
fueconorg-13371	146	4	form	form	VERB
fueconorg-13371	146	5	part	part	NOUN
fueconorg-13371	146	6	of	of	ADP
fueconorg-13371	146	7	the	the	DET
fueconorg-13371	146	8	study	study	NOUN
fueconorg-13371	146	9	,	,	PUNCT
fueconorg-13371	146	10	the	the	DET
fueconorg-13371	146	11	insurance	insurance	NOUN
fueconorg-13371	146	12	company	company	NOUN
fueconorg-13371	146	13	should	should	AUX
fueconorg-13371	146	14	have	have	AUX
fueconorg-13371	146	15	existed	exist	VERB
fueconorg-13371	146	16	within	within	ADP
fueconorg-13371	146	17	the	the	DET
fueconorg-13371	146	18	study	study	NOUN
fueconorg-13371	146	19	period	period	NOUN
fueconorg-13371	146	20	as	as	ADP
fueconorg-13371	146	21	a	a	DET
fueconorg-13371	146	22	duly	duly	ADV
fueconorg-13371	146	23	licensed	licensed	ADJ
fueconorg-13371	146	24	insurance	insurance	NOUN
fueconorg-13371	146	25	company	company	NOUN
fueconorg-13371	146	26	in	in	ADP
fueconorg-13371	146	27	nigeria	nigeria	PROPN
fueconorg-13371	146	28	and	and	CCONJ
fueconorg-13371	146	29	must	must	AUX
fueconorg-13371	146	30	have	have	VERB
fueconorg-13371	146	31	complete	complete	ADJ
fueconorg-13371	146	32	audited	audit	VERB
fueconorg-13371	146	33	financial	financial	ADJ
fueconorg-13371	146	34	statements	statement	NOUN
fueconorg-13371	146	35	over	over	ADP
fueconorg-13371	146	36	the	the	DET
fueconorg-13371	146	37	period	period	NOUN
fueconorg-13371	146	38	of	of	ADP
fueconorg-13371	146	39	study	study	NOUN
fueconorg-13371	146	40	.	.	PUNCT
fueconorg-13371	147	1	this	this	PRON
fueconorg-13371	147	2	is	be	AUX
fueconorg-13371	147	3	to	to	PART
fueconorg-13371	147	4	enable	enable	VERB
fueconorg-13371	147	5	the	the	DET
fueconorg-13371	147	6	creation	creation	NOUN
fueconorg-13371	147	7	of	of	ADP
fueconorg-13371	147	8	balanced	balanced	ADJ
fueconorg-13371	147	9	panel	panel	NOUN
fueconorg-13371	147	10	data	datum	NOUN
fueconorg-13371	147	11	.	.	PUNCT
fueconorg-13371	148	1	companies	company	NOUN
fueconorg-13371	148	2	that	that	PRON
fueconorg-13371	148	3	did	do	AUX
fueconorg-13371	148	4	not	not	PART
fueconorg-13371	148	5	exist	exist	VERB
fueconorg-13371	148	6	as	as	ADP
fueconorg-13371	148	7	of	of	ADP
fueconorg-13371	148	8	the	the	DET
fueconorg-13371	148	9	start	start	ADJ
fueconorg-13371	148	10	year	year	NOUN
fueconorg-13371	148	11	of	of	ADP
fueconorg-13371	148	12	the	the	DET
fueconorg-13371	148	13	study	study	NOUN
fueconorg-13371	148	14	or	or	CCONJ
fueconorg-13371	148	15	whose	whose	DET
fueconorg-13371	148	16	licenses	license	NOUN
fueconorg-13371	148	17	were	be	AUX
fueconorg-13371	148	18	cancelled	cancel	VERB
fueconorg-13371	148	19	during	during	ADP
fueconorg-13371	148	20	the	the	DET
fueconorg-13371	148	21	period	period	NOUN
fueconorg-13371	148	22	of	of	ADP
fueconorg-13371	148	23	the	the	DET
fueconorg-13371	148	24	study	study	NOUN
fueconorg-13371	148	25	were	be	AUX
fueconorg-13371	148	26	excluded	exclude	VERB
fueconorg-13371	148	27	.	.	PUNCT
fueconorg-13371	149	1	balanced	balanced	ADJ
fueconorg-13371	149	2	panel	panel	NOUN
fueconorg-13371	149	3	data	datum	NOUN
fueconorg-13371	149	4	was	be	AUX
fueconorg-13371	149	5	used	use	VERB
fueconorg-13371	149	6	for	for	ADP
fueconorg-13371	149	7	the	the	DET
fueconorg-13371	149	8	study	study	NOUN
fueconorg-13371	149	9	collected	collect	VERB
fueconorg-13371	149	10	over	over	ADP
fueconorg-13371	149	11	a	a	DET
fueconorg-13371	149	12	23	23	NUM
fueconorg-13371	149	13	-	-	PUNCT
fueconorg-13371	149	14	year	year	NOUN
fueconorg-13371	149	15	period	period	NOUN
fueconorg-13371	149	16	(	(	PUNCT
fueconorg-13371	149	17	2000	2000	NUM
fueconorg-13371	149	18	to	to	ADP
fueconorg-13371	149	19	2022	2022	NUM
fueconorg-13371	149	20	)	)	PUNCT
fueconorg-13371	149	21	.	.	PUNCT
fueconorg-13371	150	1	the	the	DET
fueconorg-13371	150	2	23	23	NUM
fueconorg-13371	150	3	-	-	PUNCT
fueconorg-13371	150	4	year	year	NOUN
fueconorg-13371	150	5	period	period	NOUN
fueconorg-13371	150	6	was	be	AUX
fueconorg-13371	150	7	chosen	choose	VERB
fueconorg-13371	150	8	to	to	PART
fueconorg-13371	150	9	ensure	ensure	VERB
fueconorg-13371	150	10	data	datum	NOUN
fueconorg-13371	150	11	uniformity	uniformity	NOUN
fueconorg-13371	150	12	,	,	PUNCT
fueconorg-13371	150	13	reliability	reliability	NOUN
fueconorg-13371	150	14	and	and	CCONJ
fueconorg-13371	150	15	consistency	consistency	NOUN
fueconorg-13371	150	16	especially	especially	ADV
fueconorg-13371	150	17	as	as	SCONJ
fueconorg-13371	150	18	data	datum	NOUN
fueconorg-13371	150	19	for	for	ADP
fueconorg-13371	150	20	some	some	PRON
fueconorg-13371	150	21	of	of	ADP
fueconorg-13371	150	22	the	the	DET
fueconorg-13371	150	23	variables	variable	NOUN
fueconorg-13371	150	24	was	be	AUX
fueconorg-13371	150	25	lacking	lack	VERB
fueconorg-13371	150	26	in	in	ADP
fueconorg-13371	150	27	earlier	early	ADJ
fueconorg-13371	150	28	years	year	NOUN
fueconorg-13371	150	29	as	as	ADP
fueconorg-13371	150	30	a	a	DET
fueconorg-13371	150	31	result	result	NOUN
fueconorg-13371	150	32	of	of	ADP
fueconorg-13371	150	33	inadequate	inadequate	ADJ
fueconorg-13371	150	34	coverage	coverage	NOUN
fueconorg-13371	150	35	.	.	PUNCT
fueconorg-13371	151	1	additionally	additionally	ADV
fueconorg-13371	151	2	,	,	PUNCT
fueconorg-13371	151	3	this	this	DET
fueconorg-13371	151	4	period	period	NOUN
fueconorg-13371	151	5	covers	cover	VERB
fueconorg-13371	151	6	multiple	multiple	ADJ
fueconorg-13371	151	7	phases	phase	NOUN
fueconorg-13371	151	8	of	of	ADP
fueconorg-13371	151	9	economic	economic	ADJ
fueconorg-13371	151	10	activity	activity	NOUN
fueconorg-13371	151	11	in	in	ADP
fueconorg-13371	151	12	the	the	DET
fueconorg-13371	151	13	country	country	NOUN
fueconorg-13371	151	14	such	such	ADJ
fueconorg-13371	151	15	as	as	ADP
fueconorg-13371	151	16	the	the	DET
fueconorg-13371	151	17	economic	economic	ADJ
fueconorg-13371	151	18	boom	boom	NOUN
fueconorg-13371	151	19	of	of	ADP
fueconorg-13371	151	20	the	the	DET
fueconorg-13371	151	21	early	early	ADJ
fueconorg-13371	151	22	2000s	2000s	NUM
fueconorg-13371	151	23	,	,	PUNCT
fueconorg-13371	151	24	the	the	DET
fueconorg-13371	151	25	covid	covid	NOUN
fueconorg-13371	151	26	’	'	PUNCT
fueconorg-13371	151	27	19	19	NUM
fueconorg-13371	151	28	economic	economic	ADJ
fueconorg-13371	151	29	shock	shock	NOUN
fueconorg-13371	151	30	and	and	CCONJ
fueconorg-13371	151	31	other	other	ADJ
fueconorg-13371	151	32	periods	period	NOUN
fueconorg-13371	151	33	of	of	ADP
fueconorg-13371	151	34	expansion	expansion	NOUN
fueconorg-13371	151	35	and	and	CCONJ
fueconorg-13371	151	36	recession	recession	NOUN
fueconorg-13371	151	37	.	.	PUNCT
fueconorg-13371	152	1	data	datum	NOUN
fueconorg-13371	152	2	was	be	AUX
fueconorg-13371	152	3	extracted	extract	VERB
fueconorg-13371	152	4	from	from	ADP
fueconorg-13371	152	5	the	the	DET
fueconorg-13371	152	6	yearly	yearly	ADJ
fueconorg-13371	152	7	publications	publication	NOUN
fueconorg-13371	152	8	of	of	ADP
fueconorg-13371	152	9	the	the	DET
fueconorg-13371	152	10	nigerian	nigerian	PROPN
fueconorg-13371	152	11	insurers	insurers	PROPN
fueconorg-13371	152	12	association	association	PROPN
fueconorg-13371	152	13	(	(	PUNCT
fueconorg-13371	152	14	nia	nia	PROPN
fueconorg-13371	152	15	)	)	PUNCT
fueconorg-13371	152	16	and	and	CCONJ
fueconorg-13371	152	17	the	the	DET
fueconorg-13371	152	18	annual	annual	ADJ
fueconorg-13371	152	19	reports	report	NOUN
fueconorg-13371	152	20	of	of	ADP
fueconorg-13371	152	21	the	the	DET
fueconorg-13371	152	22	respective	respective	ADJ
fueconorg-13371	152	23	companies	company	NOUN
fueconorg-13371	152	24	such	such	ADJ
fueconorg-13371	152	25	as	as	ADP
fueconorg-13371	152	26	the	the	DET
fueconorg-13371	152	27	audited	audit	VERB
fueconorg-13371	152	28	statements	statement	NOUN
fueconorg-13371	152	29	of	of	ADP
fueconorg-13371	152	30	financial	financial	ADJ
fueconorg-13371	152	31	position	position	NOUN
fueconorg-13371	152	32	,	,	PUNCT
fueconorg-13371	152	33	income	income	NOUN
fueconorg-13371	152	34	statements	statement	NOUN
fueconorg-13371	152	35	and	and	CCONJ
fueconorg-13371	152	36	revenue	revenue	NOUN
fueconorg-13371	152	37	statements	statement	NOUN
fueconorg-13371	152	38	,	,	PUNCT
fueconorg-13371	152	39	as	as	SCONJ
fueconorg-13371	152	40	obtained	obtain	VERB
fueconorg-13371	152	41	on	on	ADP
fueconorg-13371	152	42	their	their	PRON
fueconorg-13371	152	43	websites	website	NOUN
fueconorg-13371	152	44	.	.	PUNCT
fueconorg-13371	153	1	the	the	DET
fueconorg-13371	153	2	dataset	dataset	NOUN
fueconorg-13371	153	3	consists	consist	VERB
fueconorg-13371	153	4	of	of	ADP
fueconorg-13371	153	5	longitudinal	longitudinal	ADJ
fueconorg-13371	153	6	data	datum	NOUN
fueconorg-13371	153	7	obtained	obtain	VERB
fueconorg-13371	153	8	from	from	ADP
fueconorg-13371	153	9	thirtysix	thirtysix	X
fueconorg-13371	153	10	(	(	PUNCT
fueconorg-13371	153	11	36	36	NUM
fueconorg-13371	153	12	)	)	PUNCT
fueconorg-13371	153	13	insurance	insurance	NOUN
fueconorg-13371	153	14	companies	company	NOUN
fueconorg-13371	153	15	over	over	ADP
fueconorg-13371	153	16	twenty	twenty	NUM
fueconorg-13371	153	17	-	-	PUNCT
fueconorg-13371	153	18	three	three	NUM
fueconorg-13371	153	19	(	(	PUNCT
fueconorg-13371	153	20	23	23	NUM
fueconorg-13371	153	21	)	)	PUNCT
fueconorg-13371	153	22	time	time	NOUN
fueconorg-13371	153	23	periods	period	NOUN
fueconorg-13371	153	24	giving	give	VERB
fueconorg-13371	153	25	a	a	DET
fueconorg-13371	153	26	total	total	NOUN
fueconorg-13371	153	27	of	of	ADP
fueconorg-13371	153	28	828	828	NUM
fueconorg-13371	153	29	observations	observation	NOUN
fueconorg-13371	153	30	.	.	PUNCT
fueconorg-13371	154	1	the	the	DET
fueconorg-13371	154	2	dataset	dataset	NOUN
fueconorg-13371	154	3	comprises	comprise	VERB
fueconorg-13371	154	4	variables	variable	NOUN
fueconorg-13371	154	5	on	on	ADP
fueconorg-13371	154	6	equity	equity	NOUN
fueconorg-13371	154	7	ratio	ratio	NOUN
fueconorg-13371	154	8	(	(	PUNCT
fueconorg-13371	154	9	dependent	dependent	ADJ
fueconorg-13371	154	10	variable	variable	NOUN
fueconorg-13371	154	11	)	)	PUNCT
fueconorg-13371	154	12	ratio	ratio	NOUN
fueconorg-13371	154	13	of	of	ADP
fueconorg-13371	154	14	reinsurance	reinsurance	NOUN
fueconorg-13371	154	15	ceded	cede	VERB
fueconorg-13371	154	16	(	(	PUNCT
fueconorg-13371	154	17	independent	independent	ADJ
fueconorg-13371	154	18	variable	variable	NOUN
fueconorg-13371	154	19	)	)	PUNCT
fueconorg-13371	154	20	,	,	PUNCT
fueconorg-13371	154	21	and	and	CCONJ
fueconorg-13371	154	22	control	control	NOUN
fueconorg-13371	154	23	variables	variable	NOUN
fueconorg-13371	154	24	solvency	solvency	NOUN
fueconorg-13371	154	25	,	,	PUNCT
fueconorg-13371	154	26	underwriting	underwriting	NOUN
fueconorg-13371	154	27	risk	risk	NOUN
fueconorg-13371	154	28	,	,	PUNCT
fueconorg-13371	154	29	firm	firm	ADJ
fueconorg-13371	154	30	size	size	NOUN
fueconorg-13371	154	31	,	,	PUNCT
fueconorg-13371	154	32	return	return	NOUN
fueconorg-13371	154	33	on	on	ADP
fueconorg-13371	154	34	equity	equity	NOUN
fueconorg-13371	154	35	and	and	CCONJ
fueconorg-13371	154	36	business	business	NOUN
fueconorg-13371	154	37	mix	mix	NOUN
fueconorg-13371	154	38	of	of	ADP
fueconorg-13371	154	39	the	the	DET
fueconorg-13371	154	40	insurance	insurance	NOUN
fueconorg-13371	154	41	companies	company	NOUN
fueconorg-13371	154	42	.	.	PUNCT
fueconorg-13371	155	1	106	106	NUM
fueconorg-13371	155	2	m.	m.	PROPN
fueconorg-13371	155	3	s.	s.	PROPN
fueconorg-13371	155	4	ukpong	ukpong	PROPN
fueconorg-13371	155	5	,	,	PUNCT
fueconorg-13371	155	6	m.	m.	NOUN
fueconorg-13371	155	7	a.	a.	PROPN
fueconorg-13371	155	8	obalola	obalola	PROPN
fueconorg-13371	155	9	,	,	PUNCT
fueconorg-13371	155	10	i.	i.	PROPN
fueconorg-13371	155	11	adeleke	adeleke	PROPN
fueconorg-13371	155	12	data	datum	NOUN
fueconorg-13371	155	13	was	be	AUX
fueconorg-13371	155	14	analyzed	analyze	VERB
fueconorg-13371	155	15	using	use	VERB
fueconorg-13371	155	16	panel	panel	NOUN
fueconorg-13371	155	17	data	datum	NOUN
fueconorg-13371	155	18	regression	regression	NOUN
fueconorg-13371	155	19	analysis	analysis	NOUN
fueconorg-13371	155	20	comprising	comprise	VERB
fueconorg-13371	155	21	the	the	DET
fueconorg-13371	155	22	pooled	pooled	ADJ
fueconorg-13371	155	23	ordinary	ordinary	ADJ
fueconorg-13371	155	24	least	least	ADJ
fueconorg-13371	155	25	squares	square	NOUN
fueconorg-13371	155	26	(	(	PUNCT
fueconorg-13371	155	27	ols	ol	NOUN
fueconorg-13371	155	28	)	)	PUNCT
fueconorg-13371	155	29	,	,	PUNCT
fueconorg-13371	155	30	fixed	fix	VERB
fueconorg-13371	155	31	effect	effect	NOUN
fueconorg-13371	155	32	and	and	CCONJ
fueconorg-13371	155	33	random	random	ADJ
fueconorg-13371	155	34	effect	effect	NOUN
fueconorg-13371	155	35	regressions	regression	NOUN
fueconorg-13371	155	36	,	,	PUNCT
fueconorg-13371	155	37	and	and	CCONJ
fueconorg-13371	155	38	the	the	DET
fueconorg-13371	155	39	generalized	generalized	ADJ
fueconorg-13371	155	40	method	method	NOUN
fueconorg-13371	155	41	of	of	ADP
fueconorg-13371	155	42	moment	moment	NOUN
fueconorg-13371	155	43	(	(	PUNCT
fueconorg-13371	155	44	gmm	gmm	NOUN
fueconorg-13371	155	45	)	)	PUNCT
fueconorg-13371	155	46	.	.	PUNCT
fueconorg-13371	156	1	the	the	DET
fueconorg-13371	156	2	pooled	pool	VERB
fueconorg-13371	156	3	ols	ol	NOUN
fueconorg-13371	156	4	was	be	AUX
fueconorg-13371	156	5	adopted	adopt	VERB
fueconorg-13371	156	6	because	because	SCONJ
fueconorg-13371	156	7	of	of	ADP
fueconorg-13371	156	8	its	its	PRON
fueconorg-13371	156	9	simplicity	simplicity	NOUN
fueconorg-13371	156	10	and	and	CCONJ
fueconorg-13371	156	11	efficiency	efficiency	NOUN
fueconorg-13371	156	12	at	at	ADP
fueconorg-13371	156	13	estimating	estimate	VERB
fueconorg-13371	156	14	regression	regression	NOUN
fueconorg-13371	156	15	coefficients	coefficient	NOUN
fueconorg-13371	156	16	.	.	PUNCT
fueconorg-13371	157	1	moreover	moreover	ADV
fueconorg-13371	157	2	,	,	PUNCT
fueconorg-13371	157	3	it	it	PRON
fueconorg-13371	157	4	serves	serve	VERB
fueconorg-13371	157	5	as	as	ADP
fueconorg-13371	157	6	a	a	DET
fueconorg-13371	157	7	baseline	baseline	NOUN
fueconorg-13371	157	8	or	or	CCONJ
fueconorg-13371	157	9	starting	start	VERB
fueconorg-13371	157	10	point	point	NOUN
fueconorg-13371	157	11	in	in	ADP
fueconorg-13371	157	12	panel	panel	NOUN
fueconorg-13371	157	13	data	datum	NOUN
fueconorg-13371	157	14	analysis	analysis	NOUN
fueconorg-13371	157	15	.	.	PUNCT
fueconorg-13371	158	1	it	it	PRON
fueconorg-13371	158	2	is	be	AUX
fueconorg-13371	158	3	however	however	ADV
fueconorg-13371	158	4	limited	limit	VERB
fueconorg-13371	158	5	by	by	ADP
fueconorg-13371	158	6	its	its	PRON
fueconorg-13371	158	7	tendency	tendency	NOUN
fueconorg-13371	158	8	to	to	PART
fueconorg-13371	158	9	generate	generate	VERB
fueconorg-13371	158	10	biased	biased	ADJ
fueconorg-13371	158	11	and	and	CCONJ
fueconorg-13371	158	12	inconsistent	inconsistent	ADJ
fueconorg-13371	158	13	results	result	NOUN
fueconorg-13371	158	14	especially	especially	ADV
fueconorg-13371	158	15	where	where	SCONJ
fueconorg-13371	158	16	the	the	DET
fueconorg-13371	158	17	relationships	relationship	NOUN
fueconorg-13371	158	18	between	between	ADP
fueconorg-13371	158	19	the	the	DET
fueconorg-13371	158	20	variables	variable	NOUN
fueconorg-13371	158	21	of	of	ADP
fueconorg-13371	158	22	study	study	NOUN
fueconorg-13371	158	23	are	be	AUX
fueconorg-13371	158	24	not	not	PART
fueconorg-13371	158	25	constant	constant	ADJ
fueconorg-13371	158	26	.	.	PUNCT
fueconorg-13371	159	1	this	this	DET
fueconorg-13371	159	2	limitation	limitation	NOUN
fueconorg-13371	159	3	motivated	motivate	VERB
fueconorg-13371	159	4	the	the	DET
fueconorg-13371	159	5	adoption	adoption	NOUN
fueconorg-13371	159	6	of	of	ADP
fueconorg-13371	159	7	the	the	DET
fueconorg-13371	159	8	fixed	fix	VERB
fueconorg-13371	159	9	effect	effect	NOUN
fueconorg-13371	159	10	and	and	CCONJ
fueconorg-13371	159	11	random	random	ADJ
fueconorg-13371	159	12	effect	effect	NOUN
fueconorg-13371	159	13	regressions	regression	NOUN
fueconorg-13371	159	14	.	.	PUNCT
fueconorg-13371	160	1	the	the	DET
fueconorg-13371	160	2	fixed	fix	VERB
fueconorg-13371	160	3	effect	effect	NOUN
fueconorg-13371	160	4	permits	permit	VERB
fueconorg-13371	160	5	the	the	DET
fueconorg-13371	160	6	observation	observation	NOUN
fueconorg-13371	160	7	of	of	ADP
fueconorg-13371	160	8	group	group	NOUN
fueconorg-13371	160	9	-	-	PUNCT
fueconorg-13371	160	10	specific	specific	ADJ
fueconorg-13371	160	11	dummy	dummy	ADJ
fueconorg-13371	160	12	variables	variable	NOUN
fueconorg-13371	160	13	in	in	ADP
fueconorg-13371	160	14	explaining	explain	VERB
fueconorg-13371	160	15	the	the	DET
fueconorg-13371	160	16	unobserved	unobserved	ADJ
fueconorg-13371	160	17	heterogeneity	heterogeneity	NOUN
fueconorg-13371	160	18	in	in	ADP
fueconorg-13371	160	19	the	the	DET
fueconorg-13371	160	20	regression	regression	NOUN
fueconorg-13371	160	21	model	model	NOUN
fueconorg-13371	160	22	,	,	PUNCT
fueconorg-13371	160	23	while	while	SCONJ
fueconorg-13371	160	24	at	at	ADP
fueconorg-13371	160	25	the	the	DET
fueconorg-13371	160	26	same	same	ADJ
fueconorg-13371	160	27	time	time	NOUN
fueconorg-13371	160	28	controlling	control	VERB
fueconorg-13371	160	29	for	for	ADP
fueconorg-13371	160	30	timeinvariant	timeinvariant	ADJ
fueconorg-13371	160	31	heterogeneity	heterogeneity	NOUN
fueconorg-13371	160	32	and	and	CCONJ
fueconorg-13371	160	33	further	far	ADV
fueconorg-13371	160	34	reducing	reduce	VERB
fueconorg-13371	160	35	the	the	DET
fueconorg-13371	160	36	bias	bias	NOUN
fueconorg-13371	160	37	in	in	ADP
fueconorg-13371	160	38	estimating	estimate	VERB
fueconorg-13371	160	39	the	the	DET
fueconorg-13371	160	40	regression	regression	NOUN
fueconorg-13371	160	41	coefficients	coefficient	NOUN
fueconorg-13371	160	42	.	.	PUNCT
fueconorg-13371	161	1	the	the	DET
fueconorg-13371	161	2	random	random	ADJ
fueconorg-13371	161	3	effect	effect	NOUN
fueconorg-13371	161	4	analysis	analysis	NOUN
fueconorg-13371	161	5	has	have	VERB
fueconorg-13371	161	6	the	the	DET
fueconorg-13371	161	7	added	add	VERB
fueconorg-13371	161	8	advantage	advantage	NOUN
fueconorg-13371	161	9	of	of	ADP
fueconorg-13371	161	10	an	an	DET
fueconorg-13371	161	11	ability	ability	NOUN
fueconorg-13371	161	12	to	to	PART
fueconorg-13371	161	13	include	include	VERB
fueconorg-13371	161	14	time	time	NOUN
fueconorg-13371	161	15	invariant	invariant	ADJ
fueconorg-13371	161	16	variables	variable	NOUN
fueconorg-13371	161	17	where	where	SCONJ
fueconorg-13371	161	18	the	the	DET
fueconorg-13371	161	19	effects	effect	NOUN
fueconorg-13371	161	20	of	of	ADP
fueconorg-13371	161	21	the	the	DET
fueconorg-13371	161	22	independent	independent	ADJ
fueconorg-13371	161	23	variables	variable	NOUN
fueconorg-13371	161	24	vary	vary	VERB
fueconorg-13371	161	25	randomly	randomly	ADV
fueconorg-13371	161	26	across	across	ADP
fueconorg-13371	161	27	groups	group	NOUN
fueconorg-13371	161	28	which	which	PRON
fueconorg-13371	161	29	makes	make	VERB
fueconorg-13371	161	30	it	it	PRON
fueconorg-13371	161	31	preferable	preferable	ADJ
fueconorg-13371	161	32	to	to	ADP
fueconorg-13371	161	33	the	the	DET
fueconorg-13371	161	34	fixed	fix	VERB
fueconorg-13371	161	35	effect	effect	NOUN
fueconorg-13371	161	36	.	.	PUNCT
fueconorg-13371	162	1	to	to	PART
fueconorg-13371	162	2	add	add	VERB
fueconorg-13371	162	3	to	to	ADP
fueconorg-13371	162	4	the	the	DET
fueconorg-13371	162	5	flexibility	flexibility	NOUN
fueconorg-13371	162	6	and	and	CCONJ
fueconorg-13371	162	7	robustness	robustness	NOUN
fueconorg-13371	162	8	of	of	ADP
fueconorg-13371	162	9	the	the	DET
fueconorg-13371	162	10	analysis	analysis	NOUN
fueconorg-13371	162	11	,	,	PUNCT
fueconorg-13371	162	12	the	the	DET
fueconorg-13371	162	13	gmm	gmm	NOUN
fueconorg-13371	162	14	was	be	AUX
fueconorg-13371	162	15	introduced	introduce	VERB
fueconorg-13371	162	16	as	as	SCONJ
fueconorg-13371	162	17	it	it	PRON
fueconorg-13371	162	18	produces	produce	VERB
fueconorg-13371	162	19	more	more	ADV
fueconorg-13371	162	20	efficient	efficient	ADJ
fueconorg-13371	162	21	estimates	estimate	NOUN
fueconorg-13371	162	22	than	than	ADP
fueconorg-13371	162	23	the	the	DET
fueconorg-13371	162	24	previous	previous	ADJ
fueconorg-13371	162	25	regressions	regression	NOUN
fueconorg-13371	162	26	and	and	CCONJ
fueconorg-13371	162	27	it	it	PRON
fueconorg-13371	162	28	can	can	AUX
fueconorg-13371	162	29	effectively	effectively	ADV
fueconorg-13371	162	30	handle	handle	VERB
fueconorg-13371	162	31	heteroscedasticity	heteroscedasticity	NOUN
fueconorg-13371	162	32	,	,	PUNCT
fueconorg-13371	162	33	autocorrelation	autocorrelation	NOUN
fueconorg-13371	162	34	and	and	CCONJ
fueconorg-13371	162	35	measurement	measurement	NOUN
fueconorg-13371	162	36	errors	error	NOUN
fueconorg-13371	162	37	in	in	ADP
fueconorg-13371	162	38	the	the	DET
fueconorg-13371	162	39	model	model	NOUN
fueconorg-13371	162	40	.	.	PUNCT
fueconorg-13371	163	1	these	these	DET
fueconorg-13371	163	2	four	four	NUM
fueconorg-13371	163	3	estimations	estimation	NOUN
fueconorg-13371	163	4	were	be	AUX
fueconorg-13371	163	5	used	use	VERB
fueconorg-13371	163	6	to	to	PART
fueconorg-13371	163	7	provide	provide	VERB
fueconorg-13371	163	8	a	a	DET
fueconorg-13371	163	9	comprehensive	comprehensive	ADJ
fueconorg-13371	163	10	and	and	CCONJ
fueconorg-13371	163	11	in	in	ADP
fueconorg-13371	163	12	-	-	PUNCT
fueconorg-13371	163	13	depth	depth	NOUN
fueconorg-13371	163	14	analysis	analysis	NOUN
fueconorg-13371	163	15	of	of	ADP
fueconorg-13371	163	16	the	the	DET
fueconorg-13371	163	17	study	study	NOUN
fueconorg-13371	163	18	variables	variable	NOUN
fueconorg-13371	163	19	.	.	PUNCT
fueconorg-13371	164	1	data	datum	NOUN
fueconorg-13371	164	2	was	be	AUX
fueconorg-13371	164	3	also	also	ADV
fueconorg-13371	164	4	subjected	subject	VERB
fueconorg-13371	164	5	to	to	ADP
fueconorg-13371	164	6	unit	unit	NOUN
fueconorg-13371	164	7	root	root	NOUN
fueconorg-13371	164	8	tests	test	NOUN
fueconorg-13371	164	9	to	to	PART
fueconorg-13371	164	10	test	test	VERB
fueconorg-13371	164	11	for	for	ADP
fueconorg-13371	164	12	stationarity	stationarity	NOUN
fueconorg-13371	164	13	,	,	PUNCT
fueconorg-13371	164	14	and	and	CCONJ
fueconorg-13371	164	15	multicollinearity	multicollinearity	NOUN
fueconorg-13371	164	16	tests	test	NOUN
fueconorg-13371	164	17	to	to	PART
fueconorg-13371	164	18	test	test	VERB
fueconorg-13371	164	19	for	for	ADP
fueconorg-13371	164	20	the	the	DET
fueconorg-13371	164	21	presence	presence	NOUN
fueconorg-13371	164	22	of	of	ADP
fueconorg-13371	164	23	high	high	ADJ
fueconorg-13371	164	24	correlations	correlation	NOUN
fueconorg-13371	164	25	among	among	ADP
fueconorg-13371	164	26	the	the	DET
fueconorg-13371	164	27	variables	variable	NOUN
fueconorg-13371	164	28	.	.	PUNCT
fueconorg-13371	165	1	the	the	DET
fueconorg-13371	165	2	functional	functional	ADJ
fueconorg-13371	165	3	model	model	NOUN
fueconorg-13371	165	4	formulated	formulate	VERB
fueconorg-13371	165	5	for	for	ADP
fueconorg-13371	165	6	this	this	DET
fueconorg-13371	165	7	study	study	NOUN
fueconorg-13371	165	8	is	be	AUX
fueconorg-13371	165	9	in	in	ADP
fueconorg-13371	165	10	the	the	DET
fueconorg-13371	165	11	form	form	NOUN
fueconorg-13371	165	12	:	:	PUNCT
fueconorg-13371	165	13	eqrit	eqrit	NOUN
fueconorg-13371	165	14	=	=	SYM
fueconorg-13371	165	15	f(ru	f(ru	NOUN
fueconorg-13371	165	16	,	,	PUNCT
fueconorg-13371	165	17	cv)it	cv)it	PUNCT
fueconorg-13371	165	18	(	(	PUNCT
fueconorg-13371	165	19	1	1	NUM
fueconorg-13371	165	20	)	)	PUNCT
fueconorg-13371	165	21	where	where	SCONJ
fueconorg-13371	165	22	eqr	eqr	PROPN
fueconorg-13371	165	23	refers	refer	VERB
fueconorg-13371	165	24	to	to	ADP
fueconorg-13371	165	25	equity	equity	NOUN
fueconorg-13371	165	26	ratio	ratio	PROPN
fueconorg-13371	165	27	ru	ru	PROPN
fueconorg-13371	165	28	refers	refer	VERB
fueconorg-13371	165	29	to	to	ADP
fueconorg-13371	165	30	reinsurance	reinsurance	NOUN
fueconorg-13371	165	31	utilization	utilization	NOUN
fueconorg-13371	165	32	cv	cv	PROPN
fueconorg-13371	165	33	is	be	AUX
fueconorg-13371	165	34	the	the	DET
fueconorg-13371	165	35	control	control	NOUN
fueconorg-13371	165	36	variables	variable	NOUN
fueconorg-13371	165	37	and	and	CCONJ
fueconorg-13371	165	38	f	f	PROPN
fueconorg-13371	165	39	shows	show	VERB
fueconorg-13371	165	40	the	the	DET
fueconorg-13371	165	41	functional	functional	ADJ
fueconorg-13371	165	42	relationship	relationship	NOUN
fueconorg-13371	165	43	i	i	PRON
fueconorg-13371	165	44	is	be	AUX
fueconorg-13371	165	45	the	the	DET
fueconorg-13371	165	46	number	number	NOUN
fueconorg-13371	165	47	of	of	ADP
fueconorg-13371	165	48	cross	cross	NOUN
fueconorg-13371	165	49	sections	section	NOUN
fueconorg-13371	165	50	1	1	NUM
fueconorg-13371	165	51	,	,	PUNCT
fueconorg-13371	165	52	2	2	NUM
fueconorg-13371	165	53	,	,	PUNCT
fueconorg-13371	165	54	...	...	PUNCT
fueconorg-13371	165	55	,	,	PUNCT
fueconorg-13371	165	56	36	36	NUM
fueconorg-13371	165	57	t	t	NOUN
fueconorg-13371	165	58	is	be	AUX
fueconorg-13371	165	59	the	the	DET
fueconorg-13371	165	60	period	period	NOUN
fueconorg-13371	165	61	1	1	NUM
fueconorg-13371	165	62	,	,	PUNCT
fueconorg-13371	165	63	2	2	NUM
fueconorg-13371	165	64	,	,	PUNCT
fueconorg-13371	165	65	...	...	PUNCT
fueconorg-13371	165	66	,	,	PUNCT
fueconorg-13371	165	67	23	23	NUM
fueconorg-13371	165	68	however	however	ADV
fueconorg-13371	165	69	,	,	PUNCT
fueconorg-13371	165	70	reinsurance	reinsurance	NOUN
fueconorg-13371	165	71	utilization	utilization	NOUN
fueconorg-13371	165	72	is	be	AUX
fueconorg-13371	165	73	proxied	proxie	VERB
fueconorg-13371	165	74	by	by	ADP
fueconorg-13371	165	75	ratio	ratio	NOUN
fueconorg-13371	165	76	of	of	ADP
fueconorg-13371	165	77	reinsurance	reinsurance	NOUN
fueconorg-13371	165	78	ceded	cede	VERB
fueconorg-13371	165	79	(	(	PUNCT
fueconorg-13371	165	80	rcr	rcr	NOUN
fueconorg-13371	165	81	)	)	PUNCT
fueconorg-13371	165	82	and	and	CCONJ
fueconorg-13371	165	83	the	the	DET
fueconorg-13371	165	84	control	control	NOUN
fueconorg-13371	165	85	variables	variable	NOUN
fueconorg-13371	165	86	are	be	AUX
fueconorg-13371	165	87	solvency	solvency	NOUN
fueconorg-13371	165	88	(	(	PUNCT
fueconorg-13371	165	89	sol	sol	NOUN
fueconorg-13371	165	90	)	)	PUNCT
fueconorg-13371	165	91	,	,	PUNCT
fueconorg-13371	165	92	underwriting	underwriting	NOUN
fueconorg-13371	165	93	risk	risk	NOUN
fueconorg-13371	165	94	(	(	PUNCT
fueconorg-13371	165	95	ur	ur	INTJ
fueconorg-13371	165	96	)	)	PUNCT
fueconorg-13371	165	97	,	,	PUNCT
fueconorg-13371	165	98	firm	firm	ADJ
fueconorg-13371	165	99	size	size	NOUN
fueconorg-13371	165	100	(	(	PUNCT
fueconorg-13371	165	101	fs	fs	NOUN
fueconorg-13371	165	102	)	)	PUNCT
fueconorg-13371	165	103	,	,	PUNCT
fueconorg-13371	165	104	return	return	VERB
fueconorg-13371	165	105	on	on	ADP
fueconorg-13371	165	106	equity	equity	NOUN
fueconorg-13371	165	107	(	(	PUNCT
fueconorg-13371	165	108	roe	roe	PROPN
fueconorg-13371	165	109	)	)	PUNCT
fueconorg-13371	165	110	and	and	CCONJ
fueconorg-13371	165	111	the	the	DET
fueconorg-13371	165	112	business	business	NOUN
fueconorg-13371	165	113	mix	mix	NOUN
fueconorg-13371	165	114	variables	variable	NOUN
fueconorg-13371	165	115	.	.	PUNCT
fueconorg-13371	166	1	thus	thus	ADV
fueconorg-13371	166	2	,	,	PUNCT
fueconorg-13371	166	3	the	the	DET
fueconorg-13371	166	4	equation	equation	NOUN
fueconorg-13371	166	5	can	can	AUX
fueconorg-13371	166	6	be	be	AUX
fueconorg-13371	166	7	re	re	VERB
fueconorg-13371	166	8	-	-	VERB
fueconorg-13371	166	9	written	write	VERB
fueconorg-13371	166	10	as	as	ADP
fueconorg-13371	166	11	:	:	PUNCT
fueconorg-13371	166	12	eqrit	eqrit	NOUN
fueconorg-13371	166	13	=	=	SYM
fueconorg-13371	166	14	f(rcr	f(rcr	ADJ
fueconorg-13371	166	15	,	,	PUNCT
fueconorg-13371	166	16	sol	sol	NOUN
fueconorg-13371	166	17	,	,	PUNCT
fueconorg-13371	166	18	ur	ur	INTJ
fueconorg-13371	166	19	,	,	PUNCT
fueconorg-13371	166	20	fs	fs	PROPN
fueconorg-13371	166	21	.	.	PROPN
fueconorg-13371	166	22	roe	roe	PROPN
fueconorg-13371	166	23	,	,	PUNCT
fueconorg-13371	166	24	bmixi	bmixi	NOUN
fueconorg-13371	166	25	,	,	PUNCT
fueconorg-13371	166	26	bmixii	bmixii	NOUN
fueconorg-13371	166	27	,	,	PUNCT
fueconorg-13371	166	28	bmixiii	bmixiii	NOUN
fueconorg-13371	166	29	,	,	PUNCT
fueconorg-13371	166	30	bmixiv	bmixiv	PROPN
fueconorg-13371	166	31	)	)	PUNCT
fueconorg-13371	167	1	it	it	PRON
fueconorg-13371	167	2	(	(	PUNCT
fueconorg-13371	167	3	2	2	NUM
fueconorg-13371	167	4	)	)	PUNCT
fueconorg-13371	167	5	eqrit	eqrit	NOUN
fueconorg-13371	167	6	=	=	SYM
fueconorg-13371	167	7	α0	α0	ADJ
fueconorg-13371	167	8	+	+	NUM
fueconorg-13371	167	9	α1rcrit	α1rcrit	NOUN
fueconorg-13371	167	10	+	+	CCONJ
fueconorg-13371	167	11	α2solit	α2solit	NOUN
fueconorg-13371	167	12	+	+	NOUN
fueconorg-13371	167	13	α3urit	α3urit	NOUN
fueconorg-13371	167	14	+	+	CCONJ
fueconorg-13371	167	15	α4fsit	α4fsit	NOUN
fueconorg-13371	167	16	+	+	CCONJ
fueconorg-13371	167	17	α5roeit	α5roeit	PROPN
fueconorg-13371	167	18	+	+	CCONJ
fueconorg-13371	167	19	α6bmixi	α6bmixi	PROPN
fueconorg-13371	167	20	+	+	CCONJ
fueconorg-13371	167	21	α7bmixii	α7bmixii	NOUN
fueconorg-13371	167	22	+	+	CCONJ
fueconorg-13371	167	23	α8bmixiii	α8bmixiii	PROPN
fueconorg-13371	167	24	+	+	NUM
fueconorg-13371	167	25	α9bmixiv	α9bmixiv	PROPN
fueconorg-13371	167	26	+	+	CCONJ
fueconorg-13371	167	27	εit	εit	PROPN
fueconorg-13371	167	28	(	(	PUNCT
fueconorg-13371	167	29	3	3	NUM
fueconorg-13371	167	30	)	)	PUNCT
fueconorg-13371	167	31	where	where	SCONJ
fueconorg-13371	167	32	,	,	PUNCT
fueconorg-13371	167	33	(	(	PUNCT
fueconorg-13371	167	34	eqr	eqr	PROPN
fueconorg-13371	167	35	)	)	PUNCT
fueconorg-13371	167	36	is	be	AUX
fueconorg-13371	167	37	equity	equity	NOUN
fueconorg-13371	167	38	ratio	ratio	NOUN
fueconorg-13371	167	39	(	(	PUNCT
fueconorg-13371	167	40	rcr	rcr	NOUN
fueconorg-13371	167	41	)	)	PUNCT
fueconorg-13371	167	42	is	be	AUX
fueconorg-13371	167	43	the	the	DET
fueconorg-13371	167	44	ratio	ratio	NOUN
fueconorg-13371	167	45	of	of	ADP
fueconorg-13371	167	46	reinsurance	reinsurance	NOUN
fueconorg-13371	167	47	ceded	cede	VERB
fueconorg-13371	167	48	(	(	PUNCT
fueconorg-13371	167	49	sol	sol	NOUN
fueconorg-13371	167	50	)	)	PUNCT
fueconorg-13371	167	51	is	be	AUX
fueconorg-13371	167	52	solvency	solvency	NOUN
fueconorg-13371	167	53	(	(	PUNCT
fueconorg-13371	167	54	ur	ur	INTJ
fueconorg-13371	167	55	)	)	PUNCT
fueconorg-13371	168	1	is	be	AUX
fueconorg-13371	168	2	underwriting	underwriting	NOUN
fueconorg-13371	168	3	risk	risk	NOUN
fueconorg-13371	168	4	(	(	PUNCT
fueconorg-13371	168	5	fs	fs	X
fueconorg-13371	168	6	)	)	PUNCT
fueconorg-13371	168	7	is	be	AUX
fueconorg-13371	168	8	firm	firm	ADJ
fueconorg-13371	168	9	size	size	NOUN
fueconorg-13371	168	10	(	(	PUNCT
fueconorg-13371	168	11	roe	roe	NOUN
fueconorg-13371	168	12	)	)	PUNCT
fueconorg-13371	168	13	is	be	AUX
fueconorg-13371	168	14	return	return	NOUN
fueconorg-13371	168	15	on	on	ADP
fueconorg-13371	168	16	equity	equity	NOUN
fueconorg-13371	168	17	(	(	PUNCT
fueconorg-13371	168	18	bmixi	bmixi	PROPN
fueconorg-13371	168	19	)	)	PUNCT
fueconorg-13371	168	20	is	be	AUX
fueconorg-13371	168	21	business	business	NOUN
fueconorg-13371	168	22	mix	mix	NOUN
fueconorg-13371	168	23	from	from	ADP
fueconorg-13371	168	24	fire	fire	NOUN
fueconorg-13371	168	25	and	and	CCONJ
fueconorg-13371	168	26	property	property	NOUN
fueconorg-13371	168	27	insurance	insurance	NOUN
fueconorg-13371	168	28	(	(	PUNCT
fueconorg-13371	168	29	bmixii	bmixii	NOUN
fueconorg-13371	168	30	)	)	PUNCT
fueconorg-13371	169	1	is	be	AUX
fueconorg-13371	169	2	business	business	NOUN
fueconorg-13371	169	3	mix	mix	NOUN
fueconorg-13371	169	4	from	from	ADP
fueconorg-13371	169	5	motor	motor	NOUN
fueconorg-13371	169	6	insurance	insurance	NOUN
fueconorg-13371	169	7	(	(	PUNCT
fueconorg-13371	169	8	bmixiii	bmixiii	NOUN
fueconorg-13371	169	9	)	)	PUNCT
fueconorg-13371	170	1	is	be	AUX
fueconorg-13371	170	2	business	business	NOUN
fueconorg-13371	170	3	mix	mix	NOUN
fueconorg-13371	170	4	from	from	ADP
fueconorg-13371	170	5	marine	marine	ADJ
fueconorg-13371	170	6	and	and	CCONJ
fueconorg-13371	170	7	aviation	aviation	NOUN
fueconorg-13371	170	8	insurance	insurance	NOUN
fueconorg-13371	170	9	(	(	PUNCT
fueconorg-13371	170	10	bmixiv	bmixiv	PROPN
fueconorg-13371	170	11	)	)	PUNCT
fueconorg-13371	171	1	is	be	AUX
fueconorg-13371	171	2	business	business	NOUN
fueconorg-13371	171	3	mix	mix	NOUN
fueconorg-13371	171	4	from	from	ADP
fueconorg-13371	171	5	oil	oil	NOUN
fueconorg-13371	171	6	and	and	CCONJ
fueconorg-13371	171	7	gas	gas	NOUN
fueconorg-13371	171	8	insurance	insurance	NOUN
fueconorg-13371	171	9	(	(	PUNCT
fueconorg-13371	171	10	ε	ε	PROPN
fueconorg-13371	171	11	)	)	PUNCT
fueconorg-13371	172	1	is	be	AUX
fueconorg-13371	172	2	the	the	DET
fueconorg-13371	172	3	error	error	NOUN
fueconorg-13371	172	4	term	term	NOUN
fueconorg-13371	172	5	.	.	PUNCT
fueconorg-13371	173	1	the	the	DET
fueconorg-13371	173	2	nigerian	nigerian	ADJ
fueconorg-13371	173	3	financial	financial	ADJ
fueconorg-13371	173	4	system	system	NOUN
fueconorg-13371	173	5	:	:	PUNCT
fueconorg-13371	173	6	the	the	DET
fueconorg-13371	173	7	nexus	nexus	NOUN
fueconorg-13371	173	8	between	between	ADP
fueconorg-13371	173	9	reinsurance	reinsurance	NOUN
fueconorg-13371	173	10	ceded	cede	VERB
fueconorg-13371	173	11	and	and	CCONJ
fueconorg-13371	173	12	equity	equity	NOUN
fueconorg-13371	173	13	financing	financing	NOUN
fueconorg-13371	173	14	in	in	ADP
fueconorg-13371	173	15	the	the	DET
fueconorg-13371	173	16	...	...	PUNCT
fueconorg-13371	173	17	107	107	NUM
fueconorg-13371	173	18	consistent	consistent	ADJ
fueconorg-13371	173	19	with	with	ADP
fueconorg-13371	173	20	the	the	DET
fueconorg-13371	173	21	works	work	NOUN
fueconorg-13371	173	22	of	of	ADP
fueconorg-13371	173	23	arellano	arellano	PROPN
fueconorg-13371	173	24	and	and	CCONJ
fueconorg-13371	173	25	bond	bond	NOUN
fueconorg-13371	173	26	(	(	PUNCT
fueconorg-13371	173	27	1991	1991	NUM
fueconorg-13371	173	28	)	)	PUNCT
fueconorg-13371	173	29	and	and	CCONJ
fueconorg-13371	173	30	blundell	blundell	NOUN
fueconorg-13371	173	31	and	and	CCONJ
fueconorg-13371	173	32	bond	bond	NOUN
fueconorg-13371	173	33	(	(	PUNCT
fueconorg-13371	173	34	1998	1998	NUM
fueconorg-13371	173	35	)	)	PUNCT
fueconorg-13371	173	36	,	,	PUNCT
fueconorg-13371	173	37	the	the	DET
fueconorg-13371	173	38	dynamic	dynamic	ADJ
fueconorg-13371	173	39	gmm	gmm	NOUN
fueconorg-13371	173	40	model	model	NOUN
fueconorg-13371	173	41	used	use	VERB
fueconorg-13371	173	42	in	in	ADP
fueconorg-13371	173	43	the	the	DET
fueconorg-13371	173	44	study	study	NOUN
fueconorg-13371	173	45	is	be	AUX
fueconorg-13371	173	46	as	as	SCONJ
fueconorg-13371	173	47	follows	follow	VERB
fueconorg-13371	173	48	eqrit	eqrit	NOUN
fueconorg-13371	173	49	–	–	PUNCT
fueconorg-13371	173	50	eqrit-1=	eqrit-1=	NOUN
fueconorg-13371	173	51	(	(	PUNCT
fueconorg-13371	173	52	δ-1)eqrit-1	δ-1)eqrit-1	ADJ
fueconorg-13371	173	53	+	+	NUM
fueconorg-13371	173	54	α1rcrit	α1rcrit	NUM
fueconorg-13371	173	55	+	+	CCONJ
fueconorg-13371	173	56	α2solit	α2solit	NOUN
fueconorg-13371	173	57	+	+	CCONJ
fueconorg-13371	173	58	α3urit	α3urit	NOUN
fueconorg-13371	173	59	+	+	CCONJ
fueconorg-13371	173	60	α4fsit	α4fsit	NOUN
fueconorg-13371	173	61	+	+	CCONJ
fueconorg-13371	173	62	α5roeit	α5roeit	PROPN
fueconorg-13371	173	63	+	+	CCONJ
fueconorg-13371	173	64	α6bmixi	α6bmixi	PROPN
fueconorg-13371	173	65	+	+	CCONJ
fueconorg-13371	173	66	α7bmixii	α7bmixii	NOUN
fueconorg-13371	173	67	+	+	CCONJ
fueconorg-13371	173	68	α8bmixiii	α8bmixiii	PROPN
fueconorg-13371	173	69	+	+	NUM
fueconorg-13371	173	70	α9bmixiv	α9bmixiv	PROPN
fueconorg-13371	173	71	+	+	CCONJ
fueconorg-13371	173	72	μit	μit	NOUN
fueconorg-13371	173	73	+	+	CCONJ
fueconorg-13371	173	74	εit	εit	NOUN
fueconorg-13371	173	75	(	(	PUNCT
fueconorg-13371	173	76	4	4	NUM
fueconorg-13371	173	77	)	)	PUNCT
fueconorg-13371	173	78	where	where	SCONJ
fueconorg-13371	173	79	,	,	PUNCT
fueconorg-13371	173	80	(	(	PUNCT
fueconorg-13371	173	81	δ-1)eqrit-1	δ-1)eqrit-1	PROPN
fueconorg-13371	173	82	is	be	AUX
fueconorg-13371	173	83	a	a	DET
fueconorg-13371	173	84	one	one	NUM
fueconorg-13371	173	85	-	-	PUNCT
fueconorg-13371	173	86	period	period	NOUN
fueconorg-13371	173	87	lagged	lag	VERB
fueconorg-13371	173	88	operator	operator	NOUN
fueconorg-13371	173	89	of	of	ADP
fueconorg-13371	173	90	equity	equity	NOUN
fueconorg-13371	173	91	μit	μit	NOUN
fueconorg-13371	173	92	is	be	AUX
fueconorg-13371	173	93	firm	firm	ADJ
fueconorg-13371	173	94	-	-	PUNCT
fueconorg-13371	173	95	specific	specific	ADJ
fueconorg-13371	173	96	effects	effect	NOUN
fueconorg-13371	173	97	3.1	3.1	NUM
fueconorg-13371	173	98	.	.	PUNCT
fueconorg-13371	174	1	operationalization	operationalization	NOUN
fueconorg-13371	174	2	of	of	ADP
fueconorg-13371	174	3	research	research	NOUN
fueconorg-13371	174	4	variables	variable	VERB
fueconorg-13371	174	5	the	the	DET
fueconorg-13371	174	6	research	research	NOUN
fueconorg-13371	174	7	variables	variable	VERB
fueconorg-13371	174	8	for	for	ADP
fueconorg-13371	174	9	the	the	DET
fueconorg-13371	174	10	study	study	NOUN
fueconorg-13371	174	11	are	be	AUX
fueconorg-13371	174	12	operationalized	operationalize	VERB
fueconorg-13371	174	13	as	as	SCONJ
fueconorg-13371	174	14	follows	follow	VERB
fueconorg-13371	174	15	:	:	PUNCT
fueconorg-13371	175	1	equity	equity	NOUN
fueconorg-13371	175	2	ratio	ratio	NOUN
fueconorg-13371	175	3	(	(	PUNCT
fueconorg-13371	175	4	eqr	eqr	PROPN
fueconorg-13371	175	5	)	)	PUNCT
fueconorg-13371	175	6	is	be	AUX
fueconorg-13371	175	7	given	give	VERB
fueconorg-13371	175	8	as	as	ADP
fueconorg-13371	175	9	:	:	PUNCT
fueconorg-13371	175	10	𝑠ℎ𝑎𝑟𝑒ℎ𝑜𝑙𝑑𝑒𝑟′𝑠	𝑠ℎ𝑎𝑟𝑒ℎ𝑜𝑙𝑑𝑒𝑟′𝑠	PROPN
fueconorg-13371	175	11	𝑓𝑢𝑛𝑑	𝑓𝑢𝑛𝑑	PROPN
fueconorg-13371	175	12	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	175	13	𝑐𝑎𝑝𝑖𝑡𝑎𝑙𝑖𝑧𝑎𝑡𝑖𝑜𝑛	𝑐𝑎𝑝𝑖𝑡𝑎𝑙𝑖𝑧𝑎𝑡𝑖𝑜𝑛	PROPN
fueconorg-13371	175	14	ratio	ratio	NOUN
fueconorg-13371	175	15	of	of	ADP
fueconorg-13371	175	16	ceded	ceded	ADJ
fueconorg-13371	175	17	reinsurance	reinsurance	NOUN
fueconorg-13371	175	18	(	(	PUNCT
fueconorg-13371	175	19	rcr	rcr	NOUN
fueconorg-13371	175	20	)	)	PUNCT
fueconorg-13371	175	21	=	=	NOUN
fueconorg-13371	175	22	𝑐𝑒𝑑𝑒𝑑	𝑐𝑒𝑑𝑒𝑑	NOUN
fueconorg-13371	175	23	𝑟𝑒𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	𝑟𝑒𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	NOUN
fueconorg-13371	175	24	𝑛𝑒𝑡	𝑛𝑒𝑡	PROPN
fueconorg-13371	175	25	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	175	26	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	PROPN
fueconorg-13371	175	27	rrphs	rrph	VERB
fueconorg-13371	176	1	=	=	SYM
fueconorg-13371	176	2	𝐶𝑒𝑑𝑒𝑑	𝐶𝑒𝑑𝑒𝑑	PROPN
fueconorg-13371	176	3	𝑟𝑒𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	𝑟𝑒𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	NOUN
fueconorg-13371	176	4	𝑟𝑒𝑐𝑜𝑣𝑒𝑟𝑎𝑏𝑙𝑒	𝑟𝑒𝑐𝑜𝑣𝑒𝑟𝑎𝑏𝑙𝑒	NOUN
fueconorg-13371	176	5	(	(	PUNCT
fueconorg-13371	176	6	𝐶𝑅𝑅)+𝑐𝑒𝑑𝑒𝑑	𝐶𝑅𝑅)+𝑐𝑒𝑑𝑒𝑑	NOUN
fueconorg-13371	176	7	𝑢𝑛𝑒𝑎𝑟𝑛𝑒𝑑	𝑢𝑛𝑒𝑎𝑟𝑛𝑒𝑑	VERB
fueconorg-13371	176	8	𝑝𝑟𝑒𝑚𝑖𝑢𝑚(𝐶𝑈𝑃)+𝑐𝑒𝑑𝑒𝑑	𝑝𝑟𝑒𝑚𝑖𝑢𝑚(𝐶𝑈𝑃)+𝑐𝑒𝑑𝑒𝑑	NUM
fueconorg-13371	176	9	𝑐𝑜𝑚𝑚𝑖𝑠𝑠𝑖𝑜𝑛(𝐶𝐶	𝑐𝑜𝑚𝑚𝑖𝑠𝑠𝑖𝑜𝑛(𝐶𝐶	PROPN
fueconorg-13371	176	10	)	)	PUNCT
fueconorg-13371	176	11	𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟′𝑠	𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟′𝑠	PROPN
fueconorg-13371	176	12	𝑠𝑢𝑟𝑝𝑙𝑢𝑠	𝑠𝑢𝑟𝑝𝑙𝑢𝑠	PROPN
fueconorg-13371	176	13	(	(	PUNCT
fueconorg-13371	176	14	𝑃𝐻𝑆	𝑃𝐻𝑆	PROPN
fueconorg-13371	176	15	)	)	PUNCT
fueconorg-13371	176	16	sol	sol	NOUN
fueconorg-13371	176	17	=	=	SYM
fueconorg-13371	176	18	𝑁𝑒𝑡	𝑁𝑒𝑡	PROPN
fueconorg-13371	176	19	𝑎𝑠𝑠𝑒𝑡𝑠	𝑎𝑠𝑠𝑒𝑡𝑠	VERB
fueconorg-13371	176	20	𝑁𝑒𝑡	𝑁𝑒𝑡	PROPN
fueconorg-13371	176	21	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	NOUN
fueconorg-13371	176	22	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	INTJ
fueconorg-13371	176	23	ur	ur	INTJ
fueconorg-13371	177	1	=	=	NOUN
fueconorg-13371	177	2	𝑛𝑒𝑡	𝑛𝑒𝑡	PROPN
fueconorg-13371	177	3	𝑐𝑙𝑎𝑖𝑚	𝑐𝑙𝑎𝑖𝑚	PROPN
fueconorg-13371	177	4	𝑒𝑥𝑝𝑒𝑛𝑠𝑒	𝑒𝑥𝑝𝑒𝑛𝑠𝑒	PROPN
fueconorg-13371	177	5	𝑛𝑒𝑡	𝑛𝑒𝑡	PROPN
fueconorg-13371	177	6	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	𝑝𝑟𝑒𝑚𝑖𝑢𝑚	PROPN
fueconorg-13371	177	7	𝑟𝑒𝑣𝑒𝑛𝑢𝑒	𝑟𝑒𝑣𝑒𝑛𝑢𝑒	NOUN
fueconorg-13371	178	1	fs	fs	ADP
fueconorg-13371	178	2	=	=	CCONJ
fueconorg-13371	178	3	log(total	log(total	ADJ
fueconorg-13371	178	4	assets	asset	NOUN
fueconorg-13371	178	5	)	)	PUNCT
fueconorg-13371	179	1	roe	roe	NOUN
fueconorg-13371	179	2	=	=	SYM
fueconorg-13371	179	3	𝑝𝑟𝑜𝑓𝑖𝑡	𝑝𝑟𝑜𝑓𝑖𝑡	NOUN
fueconorg-13371	179	4	𝑎𝑓𝑡𝑒𝑟	𝑎𝑓𝑡𝑒𝑟	NOUN
fueconorg-13371	179	5	𝑡𝑎𝑥	𝑡𝑎𝑥	VERB
fueconorg-13371	179	6	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	179	7	𝑒𝑞𝑢𝑖𝑡𝑦	𝑒𝑞𝑢𝑖𝑡𝑦	NOUN
fueconorg-13371	179	8	fire	fire	NOUN
fueconorg-13371	179	9	and	and	CCONJ
fueconorg-13371	179	10	property	property	NOUN
fueconorg-13371	179	11	damage	damage	NOUN
fueconorg-13371	179	12	(	(	PUNCT
fueconorg-13371	179	13	bmixi	bmixi	NOUN
fueconorg-13371	179	14	)	)	PUNCT
fueconorg-13371	180	1	=	=	SYM
fueconorg-13371	180	2	𝑛𝑒𝑡	𝑛𝑒𝑡	NOUN
fueconorg-13371	180	3	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	NOUN
fueconorg-13371	180	4	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	180	5	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	180	6	𝑖𝑛	𝑖𝑛	PROPN
fueconorg-13371	180	7	𝑓𝑖𝑟𝑒	𝑓𝑖𝑟𝑒	PROPN
fueconorg-13371	180	8	𝑎𝑛𝑑	𝑎𝑛𝑑	PROPN
fueconorg-13371	180	9	𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦	𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦	PROPN
fueconorg-13371	180	10	𝑑𝑎𝑚𝑎𝑔𝑒	𝑑𝑎𝑚𝑎𝑔𝑒	PROPN
fueconorg-13371	180	11	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	180	12	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	ADV
fueconorg-13371	180	13	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	180	14	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	180	15	motor	motor	PROPN
fueconorg-13371	180	16	insurance	insurance	PROPN
fueconorg-13371	180	17	(	(	PUNCT
fueconorg-13371	180	18	bmixii	bmixii	NOUN
fueconorg-13371	180	19	)	)	PUNCT
fueconorg-13371	180	20	=	=	SYM
fueconorg-13371	181	1	𝑛𝑒𝑡	𝑛𝑒𝑡	NOUN
fueconorg-13371	181	2	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	NOUN
fueconorg-13371	181	3	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	181	4	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	181	5	𝑖𝑛	𝑖𝑛	PROPN
fueconorg-13371	181	6	𝑚𝑜𝑡𝑜𝑟	𝑚𝑜𝑡𝑜𝑟	PROPN
fueconorg-13371	181	7	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	PROPN
fueconorg-13371	181	8	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	181	9	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	ADP
fueconorg-13371	181	10	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	181	11	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	181	12	marine	marine	PROPN
fueconorg-13371	181	13	and	and	CCONJ
fueconorg-13371	181	14	aviation	aviation	NOUN
fueconorg-13371	181	15	insurance	insurance	NOUN
fueconorg-13371	181	16	(	(	PUNCT
fueconorg-13371	181	17	bmixiii	bmixiii	X
fueconorg-13371	181	18	)	)	PUNCT
fueconorg-13371	181	19	=	=	SYM
fueconorg-13371	181	20	net	net	NOUN
fueconorg-13371	181	21	earned	earn	VERB
fueconorg-13371	181	22	premiums	premium	NOUN
fueconorg-13371	181	23	written	write	VERB
fueconorg-13371	181	24	in	in	ADP
fueconorg-13371	181	25	marine	marine	PROPN
fueconorg-13371	181	26	and	and	CCONJ
fueconorg-13371	181	27	aviation	aviation	NOUN
fueconorg-13371	181	28	insurance	insurance	NOUN
fueconorg-13371	181	29	/	/	SYM
fueconorg-13371	181	30	total	total	NOUN
fueconorg-13371	181	31	earned	earn	VERB
fueconorg-13371	181	32	premiums	premium	NOUN
fueconorg-13371	181	33	written	write	VERB
fueconorg-13371	181	34	.	.	PUNCT
fueconorg-13371	182	1	bmixiii	bmixiii	NOUN
fueconorg-13371	182	2	=	=	PUNCT
fueconorg-13371	182	3	𝑛𝑒𝑡	𝑛𝑒𝑡	PROPN
fueconorg-13371	182	4	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	NOUN
fueconorg-13371	182	5	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	182	6	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	182	7	𝑖𝑛	𝑖𝑛	PROPN
fueconorg-13371	182	8	𝑚𝑎𝑟𝑖𝑛𝑒	𝑚𝑎𝑟𝑖𝑛𝑒	PROPN
fueconorg-13371	182	9	𝑎𝑛𝑑	𝑎𝑛𝑑	ADJ
fueconorg-13371	182	10	𝑎𝑣𝑖𝑎𝑡𝑖𝑜𝑛	𝑎𝑣𝑖𝑎𝑡𝑖𝑜𝑛	ADJ
fueconorg-13371	182	11	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	NOUN
fueconorg-13371	182	12	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	182	13	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	ADV
fueconorg-13371	182	14	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	182	15	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	182	16	oil	oil	NOUN
fueconorg-13371	182	17	and	and	CCONJ
fueconorg-13371	182	18	gas	gas	NOUN
fueconorg-13371	182	19	insurance	insurance	NOUN
fueconorg-13371	182	20	(	(	PUNCT
fueconorg-13371	182	21	bmixiv	bmixiv	NOUN
fueconorg-13371	182	22	)	)	PUNCT
fueconorg-13371	183	1	=	=	NOUN
fueconorg-13371	183	2	𝑛𝑒𝑡	𝑛𝑒𝑡	NOUN
fueconorg-13371	183	3	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	NOUN
fueconorg-13371	183	4	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	183	5	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	183	6	𝑖𝑛	𝑖𝑛	PROPN
fueconorg-13371	183	7	𝑜𝑖𝑙	𝑜𝑖𝑙	PROPN
fueconorg-13371	183	8	𝑎𝑛𝑑	𝑎𝑛𝑑	PROPN
fueconorg-13371	183	9	𝑔𝑎𝑠	𝑔𝑎𝑠	PROPN
fueconorg-13371	183	10	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒	PROPN
fueconorg-13371	183	11	𝑡𝑜𝑡𝑎𝑙	𝑡𝑜𝑡𝑎𝑙	PROPN
fueconorg-13371	183	12	𝑒𝑎𝑟𝑛𝑒𝑑	𝑒𝑎𝑟𝑛𝑒𝑑	ADP
fueconorg-13371	183	13	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠	PROPN
fueconorg-13371	183	14	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	𝑤𝑟𝑖𝑡𝑡𝑒𝑛	PROPN
fueconorg-13371	183	15	4	4	NUM
fueconorg-13371	183	16	.	.	PUNCT
fueconorg-13371	183	17	data	datum	NOUN
fueconorg-13371	183	18	analysis	analysis	NOUN
fueconorg-13371	183	19	4.1	4.1	NUM
fueconorg-13371	183	20	.	.	PUNCT
fueconorg-13371	183	21	descriptive	descriptive	ADJ
fueconorg-13371	183	22	statistics	statistic	NOUN
fueconorg-13371	183	23	table	table	NOUN
fueconorg-13371	183	24	1	1	NUM
fueconorg-13371	183	25	shows	show	VERB
fueconorg-13371	183	26	the	the	DET
fueconorg-13371	183	27	descriptive	descriptive	ADJ
fueconorg-13371	183	28	statistics	statistic	NOUN
fueconorg-13371	183	29	of	of	ADP
fueconorg-13371	183	30	the	the	DET
fueconorg-13371	183	31	36	36	NUM
fueconorg-13371	183	32	non	non	ADJ
fueconorg-13371	183	33	-	-	ADJ
fueconorg-13371	183	34	life	life	ADJ
fueconorg-13371	183	35	insurance	insurance	NOUN
fueconorg-13371	183	36	companies	company	NOUN
fueconorg-13371	183	37	used	use	VERB
fueconorg-13371	183	38	for	for	ADP
fueconorg-13371	183	39	the	the	DET
fueconorg-13371	183	40	study	study	NOUN
fueconorg-13371	183	41	for	for	ADP
fueconorg-13371	183	42	23	23	NUM
fueconorg-13371	183	43	years	year	NOUN
fueconorg-13371	183	44	giving	give	VERB
fueconorg-13371	183	45	a	a	DET
fueconorg-13371	183	46	total	total	NOUN
fueconorg-13371	183	47	of	of	ADP
fueconorg-13371	183	48	828	828	NUM
fueconorg-13371	183	49	observations	observation	NOUN
fueconorg-13371	183	50	.	.	PUNCT
fueconorg-13371	184	1	it	it	PRON
fueconorg-13371	184	2	can	can	AUX
fueconorg-13371	184	3	be	be	AUX
fueconorg-13371	184	4	observed	observe	VERB
fueconorg-13371	184	5	that	that	SCONJ
fueconorg-13371	184	6	a	a	DET
fueconorg-13371	184	7	mean	mean	NOUN
fueconorg-13371	184	8	108	108	NUM
fueconorg-13371	184	9	m.	m.	NOUN
fueconorg-13371	184	10	s.	s.	PROPN
fueconorg-13371	184	11	ukpong	ukpong	PROPN
fueconorg-13371	184	12	,	,	PUNCT
fueconorg-13371	184	13	m.	m.	NOUN
fueconorg-13371	184	14	a.	a.	PROPN
fueconorg-13371	184	15	obalola	obalola	PROPN
fueconorg-13371	184	16	,	,	PUNCT
fueconorg-13371	184	17	i.	i.	PROPN
fueconorg-13371	184	18	adeleke	adeleke	PROPN
fueconorg-13371	184	19	equity	equity	NOUN
fueconorg-13371	184	20	ratio	ratio	PROPN
fueconorg-13371	184	21	(	(	PUNCT
fueconorg-13371	184	22	eqr	eqr	PROPN
fueconorg-13371	184	23	)	)	PUNCT
fueconorg-13371	184	24	of	of	ADP
fueconorg-13371	184	25	3.953	3.953	NUM
fueconorg-13371	184	26	was	be	AUX
fueconorg-13371	184	27	obtained	obtain	VERB
fueconorg-13371	184	28	.	.	PUNCT
fueconorg-13371	185	1	this	this	PRON
fueconorg-13371	185	2	implies	imply	VERB
fueconorg-13371	185	3	that	that	SCONJ
fueconorg-13371	185	4	on	on	ADP
fueconorg-13371	185	5	average	average	ADJ
fueconorg-13371	185	6	,	,	PUNCT
fueconorg-13371	185	7	the	the	DET
fueconorg-13371	185	8	shareholder	shareholder	NOUN
fueconorg-13371	185	9	’s	’s	PART
fueconorg-13371	185	10	equity	equity	NOUN
fueconorg-13371	185	11	accounts	account	NOUN
fueconorg-13371	185	12	for	for	ADP
fueconorg-13371	185	13	approximately	approximately	ADV
fueconorg-13371	185	14	four	four	NUM
fueconorg-13371	185	15	times	time	NOUN
fueconorg-13371	185	16	the	the	DET
fueconorg-13371	185	17	amount	amount	NOUN
fueconorg-13371	185	18	of	of	ADP
fueconorg-13371	185	19	the	the	DET
fueconorg-13371	185	20	company	company	NOUN
fueconorg-13371	185	21	’s	’s	PART
fueconorg-13371	185	22	total	total	ADJ
fueconorg-13371	185	23	capitalization	capitalization	NOUN
fueconorg-13371	185	24	over	over	ADP
fueconorg-13371	185	25	the	the	DET
fueconorg-13371	185	26	period	period	NOUN
fueconorg-13371	185	27	of	of	ADP
fueconorg-13371	185	28	the	the	DET
fueconorg-13371	185	29	study	study	NOUN
fueconorg-13371	185	30	.	.	PUNCT
fueconorg-13371	186	1	this	this	PRON
fueconorg-13371	186	2	is	be	AUX
fueconorg-13371	186	3	an	an	DET
fueconorg-13371	186	4	indication	indication	NOUN
fueconorg-13371	186	5	that	that	SCONJ
fueconorg-13371	186	6	the	the	DET
fueconorg-13371	186	7	companies	company	NOUN
fueconorg-13371	186	8	rely	rely	VERB
fueconorg-13371	186	9	more	more	ADV
fueconorg-13371	186	10	on	on	ADP
fueconorg-13371	186	11	equity	equity	NOUN
fueconorg-13371	186	12	as	as	ADP
fueconorg-13371	186	13	a	a	DET
fueconorg-13371	186	14	measure	measure	NOUN
fueconorg-13371	186	15	of	of	ADP
fueconorg-13371	186	16	financing	financing	NOUN
fueconorg-13371	186	17	.	.	PUNCT
fueconorg-13371	187	1	a	a	DET
fueconorg-13371	187	2	mean	mean	ADJ
fueconorg-13371	187	3	solvency	solvency	NOUN
fueconorg-13371	187	4	of	of	ADP
fueconorg-13371	187	5	3.14	3.14	NUM
fueconorg-13371	187	6	was	be	AUX
fueconorg-13371	187	7	observed	observe	VERB
fueconorg-13371	187	8	.	.	PUNCT
fueconorg-13371	188	1	this	this	PRON
fueconorg-13371	188	2	implies	imply	VERB
fueconorg-13371	188	3	that	that	SCONJ
fueconorg-13371	188	4	most	most	ADJ
fueconorg-13371	188	5	of	of	ADP
fueconorg-13371	188	6	the	the	DET
fueconorg-13371	188	7	companies	company	NOUN
fueconorg-13371	188	8	have	have	VERB
fueconorg-13371	188	9	solvency	solvency	NOUN
fueconorg-13371	188	10	ratios	ratio	NOUN
fueconorg-13371	188	11	that	that	PRON
fueconorg-13371	188	12	are	be	AUX
fueconorg-13371	188	13	above	above	ADP
fueconorg-13371	188	14	the	the	DET
fueconorg-13371	188	15	minimum	minimum	ADJ
fueconorg-13371	188	16	solvency	solvency	NOUN
fueconorg-13371	188	17	margin	margin	NOUN
fueconorg-13371	188	18	of	of	ADP
fueconorg-13371	188	19	1.5	1.5	NUM
fueconorg-13371	188	20	as	as	SCONJ
fueconorg-13371	188	21	directed	direct	VERB
fueconorg-13371	188	22	by	by	ADP
fueconorg-13371	188	23	the	the	DET
fueconorg-13371	188	24	national	national	PROPN
fueconorg-13371	188	25	insurance	insurance	PROPN
fueconorg-13371	188	26	commission	commission	PROPN
fueconorg-13371	188	27	,	,	PUNCT
fueconorg-13371	188	28	naicom	naicom	X
fueconorg-13371	188	29	(	(	PUNCT
fueconorg-13371	188	30	2015	2015	NUM
fueconorg-13371	188	31	)	)	PUNCT
fueconorg-13371	188	32	.	.	PUNCT
fueconorg-13371	189	1	underwriting	underwriting	NOUN
fueconorg-13371	189	2	risk	risk	NOUN
fueconorg-13371	189	3	had	have	VERB
fueconorg-13371	189	4	a	a	DET
fueconorg-13371	189	5	mean	mean	ADJ
fueconorg-13371	189	6	value	value	NOUN
fueconorg-13371	189	7	of	of	ADP
fueconorg-13371	189	8	0.297	0.297	NUM
fueconorg-13371	189	9	which	which	PRON
fueconorg-13371	189	10	implies	imply	VERB
fueconorg-13371	189	11	that	that	SCONJ
fueconorg-13371	189	12	approximately	approximately	ADV
fueconorg-13371	189	13	29	29	NUM
fueconorg-13371	189	14	%	%	NOUN
fueconorg-13371	189	15	of	of	ADP
fueconorg-13371	189	16	the	the	DET
fueconorg-13371	189	17	premium	premium	ADJ
fueconorg-13371	189	18	income	income	NOUN
fueconorg-13371	189	19	of	of	ADP
fueconorg-13371	189	20	the	the	DET
fueconorg-13371	189	21	non	non	ADJ
fueconorg-13371	189	22	-	-	ADJ
fueconorg-13371	189	23	life	life	ADJ
fueconorg-13371	189	24	insurers	insurer	NOUN
fueconorg-13371	189	25	was	be	AUX
fueconorg-13371	189	26	spent	spend	VERB
fueconorg-13371	189	27	on	on	ADP
fueconorg-13371	189	28	claim	claim	NOUN
fueconorg-13371	189	29	expense	expense	NOUN
fueconorg-13371	189	30	.	.	PUNCT
fueconorg-13371	190	1	although	although	SCONJ
fueconorg-13371	190	2	there	there	PRON
fueconorg-13371	190	3	is	be	VERB
fueconorg-13371	190	4	no	no	DET
fueconorg-13371	190	5	threshold	threshold	NOUN
fueconorg-13371	190	6	for	for	ADP
fueconorg-13371	190	7	underwriting	underwriting	NOUN
fueconorg-13371	190	8	risk	risk	NOUN
fueconorg-13371	190	9	,	,	PUNCT
fueconorg-13371	190	10	an	an	DET
fueconorg-13371	190	11	underwriting	underwriting	NOUN
fueconorg-13371	190	12	risk	risk	NOUN
fueconorg-13371	190	13	of	of	ADP
fueconorg-13371	190	14	a	a	DET
fueconorg-13371	190	15	low	low	ADJ
fueconorg-13371	190	16	percentage	percentage	NOUN
fueconorg-13371	190	17	is	be	AUX
fueconorg-13371	190	18	desirable	desirable	ADJ
fueconorg-13371	190	19	by	by	ADP
fueconorg-13371	190	20	the	the	DET
fueconorg-13371	190	21	company	company	NOUN
fueconorg-13371	190	22	.	.	PUNCT
fueconorg-13371	191	1	the	the	DET
fueconorg-13371	191	2	mean	mean	ADJ
fueconorg-13371	191	3	value	value	NOUN
fueconorg-13371	191	4	of	of	ADP
fueconorg-13371	191	5	roe	roe	NOUN
fueconorg-13371	191	6	was	be	AUX
fueconorg-13371	191	7	0.053	0.053	NUM
fueconorg-13371	191	8	which	which	PRON
fueconorg-13371	191	9	implies	imply	VERB
fueconorg-13371	191	10	that	that	SCONJ
fueconorg-13371	191	11	the	the	DET
fueconorg-13371	191	12	companies	company	NOUN
fueconorg-13371	191	13	on	on	ADP
fueconorg-13371	191	14	average	average	ADJ
fueconorg-13371	191	15	recorded	record	VERB
fueconorg-13371	191	16	low	low	ADJ
fueconorg-13371	191	17	returns	return	NOUN
fueconorg-13371	191	18	on	on	ADP
fueconorg-13371	191	19	equity	equity	NOUN
fueconorg-13371	191	20	within	within	ADP
fueconorg-13371	191	21	the	the	DET
fueconorg-13371	191	22	study	study	NOUN
fueconorg-13371	191	23	period	period	NOUN
fueconorg-13371	191	24	.	.	PUNCT
fueconorg-13371	192	1	the	the	DET
fueconorg-13371	192	2	minimum	minimum	PROPN
fueconorg-13371	192	3	roe	roe	NOUN
fueconorg-13371	192	4	recorded	record	VERB
fueconorg-13371	192	5	was	be	AUX
fueconorg-13371	192	6	-2.03	-2.03	ADJ
fueconorg-13371	192	7	while	while	SCONJ
fueconorg-13371	192	8	the	the	DET
fueconorg-13371	192	9	maximum	maximum	NOUN
fueconorg-13371	192	10	was	be	AUX
fueconorg-13371	192	11	0.98	0.98	NUM
fueconorg-13371	192	12	.	.	PUNCT
fueconorg-13371	193	1	the	the	DET
fueconorg-13371	193	2	business	business	NOUN
fueconorg-13371	193	3	mix	mix	NOUN
fueconorg-13371	193	4	variables	variable	NOUN
fueconorg-13371	193	5	had	have	AUX
fueconorg-13371	193	6	means	mean	NOUN
fueconorg-13371	193	7	ranging	range	VERB
fueconorg-13371	193	8	between	between	ADP
fueconorg-13371	193	9	0.15	0.15	NUM
fueconorg-13371	193	10	and	and	CCONJ
fueconorg-13371	193	11	0.39	0.39	NUM
fueconorg-13371	193	12	,	,	PUNCT
fueconorg-13371	193	13	a	a	DET
fueconorg-13371	193	14	reflection	reflection	NOUN
fueconorg-13371	193	15	of	of	ADP
fueconorg-13371	193	16	the	the	DET
fueconorg-13371	193	17	premium	premium	NOUN
fueconorg-13371	193	18	contribution	contribution	NOUN
fueconorg-13371	193	19	of	of	ADP
fueconorg-13371	193	20	the	the	DET
fueconorg-13371	193	21	specific	specific	ADJ
fueconorg-13371	193	22	classes	class	NOUN
fueconorg-13371	193	23	of	of	ADP
fueconorg-13371	193	24	businesses	business	NOUN
fueconorg-13371	193	25	.	.	PUNCT
fueconorg-13371	194	1	table	table	NOUN
fueconorg-13371	194	2	1	1	NUM
fueconorg-13371	194	3	descriptive	descriptive	ADJ
fueconorg-13371	194	4	statistics	statistic	NOUN
fueconorg-13371	194	5	variable	variable	ADJ
fueconorg-13371	194	6	mean	mean	PROPN
fueconorg-13371	194	7	max	max	PROPN
fueconorg-13371	194	8	min	min	PROPN
fueconorg-13371	194	9	std	std	PROPN
fueconorg-13371	194	10	.	.	PROPN
fueconorg-13371	194	11	dev	dev	PROPN
fueconorg-13371	194	12	.	.	PROPN
fueconorg-13371	194	13	skewness	skewness	PROPN
fueconorg-13371	194	14	kurtosis	kurtosis	NOUN
fueconorg-13371	194	15	eqr	eqr	VERB
fueconorg-13371	194	16	3.953563	3.953563	NUM
fueconorg-13371	194	17	35.00000	35.00000	NUM
fueconorg-13371	194	18	0.020000	0.020000	NUM
fueconorg-13371	194	19	3.233904	3.233904	NUM
fueconorg-13371	194	20	3.728641	3.728641	NUM
fueconorg-13371	194	21	25.63112	25.63112	NUM
fueconorg-13371	194	22	rcr	rcr	NUM
fueconorg-13371	194	23	0.490514	0.490514	NUM
fueconorg-13371	194	24	2.480000	2.480000	NUM
fueconorg-13371	194	25	-0.02000	-0.02000	NOUN
fueconorg-13371	194	26	0.366361	0.366361	NUM
fueconorg-13371	194	27	1.187905	1.187905	NUM
fueconorg-13371	194	28	5.066999	5.066999	NUM
fueconorg-13371	194	29	sol	sol	NOUN
fueconorg-13371	194	30	3.146519	3.146519	NUM
fueconorg-13371	194	31	13.31000	13.31000	NUM
fueconorg-13371	194	32	-9.20000	-9.20000	NOUN
fueconorg-13371	195	1	2.638641	2.638641	NUM
fueconorg-13371	195	2	1.220006	1.220006	NUM
fueconorg-13371	195	3	5.321474	5.321474	NUM
fueconorg-13371	195	4	ur	ur	NOUN
fueconorg-13371	195	5	0.296868	0.296868	NUM
fueconorg-13371	195	6	1.200000	1.200000	NUM
fueconorg-13371	195	7	-0.31000	-0.31000	X
fueconorg-13371	196	1	0.179358	0.179358	NUM
fueconorg-13371	196	2	1.182255	1.182255	NUM
fueconorg-13371	196	3	6.583541	6.583541	NUM
fueconorg-13371	196	4	fs	fs	ADP
fueconorg-13371	196	5	2.979746	2.979746	NUM
fueconorg-13371	196	6	10.32000	10.32000	NUM
fueconorg-13371	196	7	0.320000	0.320000	NUM
fueconorg-13371	196	8	1.540320	1.540320	NUM
fueconorg-13371	196	9	1.540320	1.540320	NUM
fueconorg-13371	196	10	5.553872	5.553872	NUM
fueconorg-13371	196	11	roe	roe	NOUN
fueconorg-13371	196	12	0.053013	0.053013	NUM
fueconorg-13371	196	13	0.981000	0.981000	NUM
fueconorg-13371	196	14	-2.03000	-2.03000	X
fueconorg-13371	196	15	0.179061	0.179061	NUM
fueconorg-13371	196	16	-2.696273	-2.696273	NUM
fueconorg-13371	196	17	36.91489	36.91489	NUM
fueconorg-13371	196	18	bmixi	bmixi	NOUN
fueconorg-13371	196	19	0.182367	0.182367	NUM
fueconorg-13371	196	20	1.150000	1.150000	NUM
fueconorg-13371	196	21	0.010000	0.010000	NUM
fueconorg-13371	196	22	0.117683	0.117683	NUM
fueconorg-13371	196	23	3.988404	3.988404	NUM
fueconorg-13371	196	24	25.66949	25.66949	NUM
fueconorg-13371	196	25	bmixii	bmixii	NOUN
fueconorg-13371	196	26	0.286014	0.286014	NUM
fueconorg-13371	196	27	1.750000	1.750000	NUM
fueconorg-13371	196	28	0.080000	0.080000	NUM
fueconorg-13371	196	29	0.106501	0.106501	NUM
fueconorg-13371	196	30	3.343876	3.343876	NUM
fueconorg-13371	196	31	44.83856	44.83856	NUM
fueconorg-13371	196	32	bmixiii	bmixiii	VERB
fueconorg-13371	196	33	0.157935	0.157935	NUM
fueconorg-13371	196	34	1.160000	1.160000	NUM
fueconorg-13371	196	35	0.020000	0.020000	NUM
fueconorg-13371	196	36	0.053229	0.053229	NUM
fueconorg-13371	196	37	8.017623	8.017623	NUM
fueconorg-13371	196	38	147.6247	147.6247	NUM
fueconorg-13371	196	39	bmixiv	bmixiv	NOUN
fueconorg-13371	196	40	0.396679	0.396679	NUM
fueconorg-13371	196	41	1.020000	1.020000	NUM
fueconorg-13371	196	42	0.010000	0.010000	NUM
fueconorg-13371	196	43	0.184673	0.184673	NUM
fueconorg-13371	196	44	0.782222	0.782222	NUM
fueconorg-13371	196	45	3.969219	3.969219	NUM
fueconorg-13371	196	46	source	source	NOUN
fueconorg-13371	196	47	:	:	PUNCT
fueconorg-13371	196	48	author	author	NOUN
fueconorg-13371	196	49	’s	’s	PART
fueconorg-13371	196	50	computation	computation	NOUN
fueconorg-13371	196	51	using	use	VERB
fueconorg-13371	196	52	eviews	eviews	PROPN
fueconorg-13371	196	53	12	12	NUM
fueconorg-13371	196	54	from	from	ADP
fueconorg-13371	196	55	the	the	DET
fueconorg-13371	196	56	standard	standard	ADJ
fueconorg-13371	196	57	deviation	deviation	NOUN
fueconorg-13371	196	58	,	,	PUNCT
fueconorg-13371	196	59	it	it	PRON
fueconorg-13371	196	60	was	be	AUX
fueconorg-13371	196	61	observed	observe	VERB
fueconorg-13371	196	62	that	that	SCONJ
fueconorg-13371	196	63	equity	equity	NOUN
fueconorg-13371	196	64	with	with	ADP
fueconorg-13371	196	65	a	a	DET
fueconorg-13371	196	66	standard	standard	ADJ
fueconorg-13371	196	67	deviation	deviation	NOUN
fueconorg-13371	196	68	of	of	ADP
fueconorg-13371	196	69	3.323	3.323	NUM
fueconorg-13371	196	70	had	have	VERB
fueconorg-13371	196	71	the	the	DET
fueconorg-13371	196	72	largest	large	ADJ
fueconorg-13371	196	73	deviation	deviation	NOUN
fueconorg-13371	196	74	from	from	ADP
fueconorg-13371	196	75	the	the	DET
fueconorg-13371	196	76	mean	mean	NOUN
fueconorg-13371	196	77	.	.	PUNCT
fueconorg-13371	197	1	this	this	PRON
fueconorg-13371	197	2	is	be	AUX
fueconorg-13371	197	3	an	an	DET
fueconorg-13371	197	4	indication	indication	NOUN
fueconorg-13371	197	5	of	of	ADP
fueconorg-13371	197	6	how	how	SCONJ
fueconorg-13371	197	7	varied	varied	ADJ
fueconorg-13371	197	8	the	the	DET
fueconorg-13371	197	9	level	level	NOUN
fueconorg-13371	197	10	of	of	ADP
fueconorg-13371	197	11	equity	equity	NOUN
fueconorg-13371	197	12	was	be	AUX
fueconorg-13371	197	13	among	among	ADP
fueconorg-13371	197	14	the	the	DET
fueconorg-13371	197	15	companies	company	NOUN
fueconorg-13371	197	16	within	within	ADP
fueconorg-13371	197	17	the	the	DET
fueconorg-13371	197	18	study	study	NOUN
fueconorg-13371	197	19	period	period	NOUN
fueconorg-13371	197	20	.	.	PUNCT
fueconorg-13371	198	1	the	the	DET
fueconorg-13371	198	2	business	business	NOUN
fueconorg-13371	198	3	mix	mix	NOUN
fueconorg-13371	198	4	on	on	ADP
fueconorg-13371	198	5	marine	marine	ADJ
fueconorg-13371	198	6	and	and	CCONJ
fueconorg-13371	198	7	aviation	aviation	NOUN
fueconorg-13371	198	8	insurance	insurance	NOUN
fueconorg-13371	198	9	(	(	PUNCT
fueconorg-13371	198	10	bmixiii	bmixiii	NOUN
fueconorg-13371	198	11	)	)	PUNCT
fueconorg-13371	198	12	had	have	VERB
fueconorg-13371	198	13	the	the	DET
fueconorg-13371	198	14	least	least	ADJ
fueconorg-13371	198	15	standard	standard	ADJ
fueconorg-13371	198	16	deviation	deviation	NOUN
fueconorg-13371	198	17	of	of	ADP
fueconorg-13371	198	18	0.053	0.053	NUM
fueconorg-13371	198	19	,	,	PUNCT
fueconorg-13371	198	20	which	which	PRON
fueconorg-13371	198	21	shows	show	VERB
fueconorg-13371	198	22	that	that	SCONJ
fueconorg-13371	198	23	the	the	DET
fueconorg-13371	198	24	premium	premium	ADJ
fueconorg-13371	198	25	contribution	contribution	NOUN
fueconorg-13371	198	26	of	of	ADP
fueconorg-13371	198	27	marine	marine	PROPN
fueconorg-13371	198	28	and	and	CCONJ
fueconorg-13371	198	29	aviation	aviation	NOUN
fueconorg-13371	198	30	insurance	insurance	NOUN
fueconorg-13371	198	31	in	in	ADP
fueconorg-13371	198	32	the	the	DET
fueconorg-13371	198	33	different	different	ADJ
fueconorg-13371	198	34	companies	company	NOUN
fueconorg-13371	198	35	over	over	ADP
fueconorg-13371	198	36	the	the	DET
fueconorg-13371	198	37	period	period	NOUN
fueconorg-13371	198	38	deviated	deviate	VERB
fueconorg-13371	198	39	only	only	ADV
fueconorg-13371	198	40	slightly	slightly	ADV
fueconorg-13371	198	41	from	from	ADP
fueconorg-13371	198	42	the	the	DET
fueconorg-13371	198	43	mean	mean	ADJ
fueconorg-13371	198	44	value	value	NOUN
fueconorg-13371	198	45	.	.	PUNCT
fueconorg-13371	199	1	all	all	DET
fueconorg-13371	199	2	the	the	DET
fueconorg-13371	199	3	variables	variable	NOUN
fueconorg-13371	199	4	except	except	SCONJ
fueconorg-13371	199	5	roe	roe	NOUN
fueconorg-13371	199	6	are	be	AUX
fueconorg-13371	199	7	positively	positively	ADV
fueconorg-13371	199	8	skewed	skewed	ADJ
fueconorg-13371	199	9	.	.	PUNCT
fueconorg-13371	200	1	the	the	DET
fueconorg-13371	200	2	positive	positive	ADJ
fueconorg-13371	200	3	skewness	skewness	NOUN
fueconorg-13371	200	4	implies	imply	VERB
fueconorg-13371	200	5	that	that	SCONJ
fueconorg-13371	200	6	they	they	PRON
fueconorg-13371	200	7	have	have	VERB
fueconorg-13371	200	8	a	a	DET
fueconorg-13371	200	9	tendency	tendency	NOUN
fueconorg-13371	200	10	for	for	ADP
fueconorg-13371	200	11	more	more	ADV
fueconorg-13371	200	12	higher	high	ADJ
fueconorg-13371	200	13	values	value	NOUN
fueconorg-13371	200	14	than	than	ADP
fueconorg-13371	200	15	the	the	DET
fueconorg-13371	200	16	sample	sample	NOUN
fueconorg-13371	200	17	mean	mean	VERB
fueconorg-13371	200	18	and	and	CCONJ
fueconorg-13371	200	19	a	a	DET
fueconorg-13371	200	20	long	long	ADJ
fueconorg-13371	200	21	right	right	ADJ
fueconorg-13371	200	22	-	-	PUNCT
fueconorg-13371	200	23	tail	tail	NOUN
fueconorg-13371	200	24	distribution	distribution	NOUN
fueconorg-13371	200	25	.	.	PUNCT
fueconorg-13371	201	1	roe	roe	NOUN
fueconorg-13371	201	2	with	with	ADP
fueconorg-13371	201	3	a	a	DET
fueconorg-13371	201	4	negative	negative	ADJ
fueconorg-13371	201	5	skewness	skewness	NOUN
fueconorg-13371	201	6	has	have	VERB
fueconorg-13371	201	7	more	more	ADV
fueconorg-13371	201	8	lower	low	ADJ
fueconorg-13371	201	9	values	value	NOUN
fueconorg-13371	201	10	than	than	ADP
fueconorg-13371	201	11	the	the	DET
fueconorg-13371	201	12	sample	sample	NOUN
fueconorg-13371	201	13	mean	mean	VERB
fueconorg-13371	201	14	and	and	CCONJ
fueconorg-13371	201	15	a	a	DET
fueconorg-13371	201	16	long	long	ADJ
fueconorg-13371	201	17	left	left	ADJ
fueconorg-13371	201	18	-	-	PUNCT
fueconorg-13371	201	19	tail	tail	NOUN
fueconorg-13371	201	20	distribution	distribution	NOUN
fueconorg-13371	201	21	.	.	PUNCT
fueconorg-13371	202	1	all	all	DET
fueconorg-13371	202	2	the	the	DET
fueconorg-13371	202	3	variables	variable	NOUN
fueconorg-13371	202	4	have	have	AUX
fueconorg-13371	202	5	kurtosis	kurtosis	VERB
fueconorg-13371	202	6	values	value	NOUN
fueconorg-13371	202	7	greater	great	ADJ
fueconorg-13371	202	8	than	than	ADP
fueconorg-13371	202	9	3	3	NUM
fueconorg-13371	202	10	and	and	CCONJ
fueconorg-13371	202	11	are	be	AUX
fueconorg-13371	202	12	leptokurtic	leptokurtic	ADJ
fueconorg-13371	202	13	with	with	ADP
fueconorg-13371	202	14	peaked	peaked	ADJ
fueconorg-13371	202	15	curves	curve	NOUN
fueconorg-13371	202	16	and	and	CCONJ
fueconorg-13371	202	17	an	an	DET
fueconorg-13371	202	18	inclination	inclination	NOUN
fueconorg-13371	202	19	for	for	ADP
fueconorg-13371	202	20	more	more	ADJ
fueconorg-13371	202	21	values	value	NOUN
fueconorg-13371	202	22	higher	high	ADJ
fueconorg-13371	202	23	than	than	SCONJ
fueconorg-13371	202	24	the	the	DET
fueconorg-13371	202	25	sample	sample	NOUN
fueconorg-13371	202	26	mean	mean	VERB
fueconorg-13371	202	27	.	.	PUNCT
fueconorg-13371	203	1	4.2	4.2	NUM
fueconorg-13371	203	2	.	.	PUNCT
fueconorg-13371	203	3	unit	unit	NOUN
fueconorg-13371	203	4	root	root	PROPN
fueconorg-13371	203	5	test	test	NOUN
fueconorg-13371	203	6	unit	unit	NOUN
fueconorg-13371	203	7	root	root	NOUN
fueconorg-13371	203	8	tests	test	NOUN
fueconorg-13371	203	9	were	be	AUX
fueconorg-13371	203	10	carried	carry	VERB
fueconorg-13371	203	11	out	out	ADP
fueconorg-13371	203	12	to	to	PART
fueconorg-13371	203	13	test	test	VERB
fueconorg-13371	203	14	the	the	DET
fueconorg-13371	203	15	stationarity	stationarity	NOUN
fueconorg-13371	203	16	of	of	ADP
fueconorg-13371	203	17	the	the	DET
fueconorg-13371	203	18	variables	variable	NOUN
fueconorg-13371	203	19	.	.	PUNCT
fueconorg-13371	204	1	it	it	PRON
fueconorg-13371	204	2	ensures	ensure	VERB
fueconorg-13371	204	3	that	that	SCONJ
fueconorg-13371	204	4	the	the	DET
fueconorg-13371	204	5	series	series	NOUN
fueconorg-13371	204	6	is	be	AUX
fueconorg-13371	204	7	in	in	ADP
fueconorg-13371	204	8	an	an	DET
fueconorg-13371	204	9	integrated	integrate	VERB
fueconorg-13371	204	10	order	order	NOUN
fueconorg-13371	204	11	.	.	PUNCT
fueconorg-13371	205	1	herranz	herranz	NOUN
fueconorg-13371	205	2	(	(	PUNCT
fueconorg-13371	205	3	2017	2017	NUM
fueconorg-13371	205	4	)	)	PUNCT
fueconorg-13371	205	5	asserts	assert	VERB
fueconorg-13371	205	6	that	that	SCONJ
fueconorg-13371	205	7	where	where	SCONJ
fueconorg-13371	205	8	this	this	PRON
fueconorg-13371	205	9	is	be	AUX
fueconorg-13371	205	10	not	not	PART
fueconorg-13371	205	11	the	the	DET
fueconorg-13371	205	12	case	case	NOUN
fueconorg-13371	205	13	,	,	PUNCT
fueconorg-13371	205	14	it	it	PRON
fueconorg-13371	205	15	could	could	AUX
fueconorg-13371	205	16	imply	imply	VERB
fueconorg-13371	205	17	that	that	SCONJ
fueconorg-13371	205	18	the	the	DET
fueconorg-13371	205	19	series	series	NOUN
fueconorg-13371	205	20	is	be	AUX
fueconorg-13371	205	21	null	null	ADJ
fueconorg-13371	205	22	or	or	CCONJ
fueconorg-13371	205	23	has	have	VERB
fueconorg-13371	205	24	a	a	DET
fueconorg-13371	205	25	weak	weak	ADJ
fueconorg-13371	205	26	stationarity	stationarity	NOUN
fueconorg-13371	205	27	.	.	PUNCT
fueconorg-13371	206	1	the	the	DET
fueconorg-13371	206	2	unit	unit	NOUN
fueconorg-13371	206	3	root	root	PROPN
fueconorg-13371	206	4	test	test	NOUN
fueconorg-13371	206	5	tests	test	VERB
fueconorg-13371	206	6	the	the	DET
fueconorg-13371	206	7	hypothesis	hypothesis	NOUN
fueconorg-13371	206	8	that	that	PRON
fueconorg-13371	206	9	the	the	DET
fueconorg-13371	206	10	series	series	NOUN
fueconorg-13371	206	11	is	be	AUX
fueconorg-13371	206	12	not	not	PART
fueconorg-13371	206	13	stationary	stationary	ADJ
fueconorg-13371	206	14	i.e.	i.e.	X
fueconorg-13371	206	15	has	have	VERB
fueconorg-13371	206	16	a	a	DET
fueconorg-13371	206	17	unit	unit	NOUN
fueconorg-13371	206	18	root	root	NOUN
fueconorg-13371	206	19	.	.	PUNCT
fueconorg-13371	207	1	the	the	DET
fueconorg-13371	207	2	augmented	augment	VERB
fueconorg-13371	207	3	dicker	dicker	PROPN
fueconorg-13371	207	4	-	-	PUNCT
fueconorg-13371	207	5	fuller	full	ADJ
fueconorg-13371	207	6	test	test	NOUN
fueconorg-13371	207	7	(	(	PUNCT
fueconorg-13371	207	8	adf	adf	NOUN
fueconorg-13371	207	9	)	)	PUNCT
fueconorg-13371	207	10	and	and	CCONJ
fueconorg-13371	207	11	the	the	DET
fueconorg-13371	207	12	philip	philip	PROPN
fueconorg-13371	207	13	-	-	PUNCT
fueconorg-13371	207	14	perron	perron	PROPN
fueconorg-13371	207	15	fisher	fisher	PROPN
fueconorg-13371	207	16	test	test	NOUN
fueconorg-13371	207	17	were	be	AUX
fueconorg-13371	207	18	used	use	VERB
fueconorg-13371	207	19	in	in	ADP
fueconorg-13371	207	20	testing	testing	NOUN
fueconorg-13371	207	21	for	for	ADP
fueconorg-13371	207	22	unit	unit	NOUN
fueconorg-13371	207	23	root	root	NOUN
fueconorg-13371	207	24	.	.	PUNCT
fueconorg-13371	208	1	the	the	DET
fueconorg-13371	208	2	nigerian	nigerian	ADJ
fueconorg-13371	208	3	financial	financial	ADJ
fueconorg-13371	208	4	system	system	NOUN
fueconorg-13371	208	5	:	:	PUNCT
fueconorg-13371	208	6	the	the	DET
fueconorg-13371	208	7	nexus	nexus	NOUN
fueconorg-13371	208	8	between	between	ADP
fueconorg-13371	208	9	reinsurance	reinsurance	NOUN
fueconorg-13371	208	10	ceded	cede	VERB
fueconorg-13371	208	11	and	and	CCONJ
fueconorg-13371	208	12	equity	equity	NOUN
fueconorg-13371	208	13	financing	financing	NOUN
fueconorg-13371	208	14	in	in	ADP
fueconorg-13371	208	15	the	the	PRON
fueconorg-13371	208	16	...	...	PUNCT
fueconorg-13371	208	17	109	109	NUM
fueconorg-13371	208	18	table	table	NOUN
fueconorg-13371	208	19	2	2	NUM
fueconorg-13371	208	20	unit	unit	NOUN
fueconorg-13371	208	21	root	root	NOUN
fueconorg-13371	208	22	test	test	NOUN
fueconorg-13371	208	23	variable	variable	ADJ
fueconorg-13371	208	24	adf	adf	PROPN
fueconorg-13371	208	25	–	–	PUNCT
fueconorg-13371	208	26	fisher	fisher	PROPN
fueconorg-13371	208	27	chi	chi	ADJ
fueconorg-13371	208	28	-	-	PUNCT
fueconorg-13371	208	29	square	square	ADJ
fueconorg-13371	208	30	test	test	NOUN
fueconorg-13371	208	31	pp	pp	ADP
fueconorg-13371	208	32	fisher	fisher	PROPN
fueconorg-13371	208	33	chi	chi	ADJ
fueconorg-13371	208	34	-	-	PUNCT
fueconorg-13371	208	35	square	square	ADJ
fueconorg-13371	208	36	test	test	NOUN
fueconorg-13371	208	37	statistic	statistic	NOUN
fueconorg-13371	208	38	probability	probability	NOUN
fueconorg-13371	208	39	order	order	NOUN
fueconorg-13371	208	40	of	of	ADP
fueconorg-13371	208	41	integration	integration	NOUN
fueconorg-13371	208	42	statistic	statistic	NOUN
fueconorg-13371	208	43	probability	probability	NOUN
fueconorg-13371	208	44	order	order	NOUN
fueconorg-13371	208	45	of	of	ADP
fueconorg-13371	208	46	integration	integration	NOUN
fueconorg-13371	208	47	eqr	eqr	VERB
fueconorg-13371	208	48	122.232	122.232	NUM
fueconorg-13371	208	49	0.0002	0.0002	NUM
fueconorg-13371	208	50	i(0	i(0	PROPN
fueconorg-13371	208	51	)	)	PUNCT
fueconorg-13371	208	52	178.242	178.242	NUM
fueconorg-13371	208	53	0.0000	0.0000	NUM
fueconorg-13371	208	54	i(0	i(0	PROPN
fueconorg-13371	208	55	)	)	PUNCT
fueconorg-13371	208	56	rcr	rcr	PROPN
fueconorg-13371	208	57	111.137	111.137	NUM
fueconorg-13371	208	58	0.0021	0.0021	NUM
fueconorg-13371	208	59	i(0	i(0	PROPN
fueconorg-13371	208	60	)	)	PUNCT
fueconorg-13371	208	61	195.966	195.966	NUM
fueconorg-13371	208	62	0.0000	0.0000	NUM
fueconorg-13371	208	63	i(0	i(0	PROPN
fueconorg-13371	208	64	)	)	PUNCT
fueconorg-13371	208	65	sol	sol	NOUN
fueconorg-13371	208	66	104.280	104.280	NUM
fueconorg-13371	208	67	0.0077	0.0077	NUM
fueconorg-13371	208	68	i(0	i(0	PROPN
fueconorg-13371	208	69	)	)	PUNCT
fueconorg-13371	208	70	120.650	120.650	PROPN
fueconorg-13371	208	71	0.0003	0.0003	NUM
fueconorg-13371	208	72	i(0	i(0	PROPN
fueconorg-13371	208	73	)	)	PUNCT
fueconorg-13371	208	74	ur	ur	PROPN
fueconorg-13371	208	75	125.904	125.904	NUM
fueconorg-13371	208	76	0.0001	0.0001	NUM
fueconorg-13371	208	77	i(0	i(0	PROPN
fueconorg-13371	208	78	)	)	PUNCT
fueconorg-13371	208	79	171.694	171.694	NUM
fueconorg-13371	208	80	0.0000	0.0000	NUM
fueconorg-13371	208	81	i(0	i(0	NOUN
fueconorg-13371	208	82	)	)	PUNCT
fueconorg-13371	208	83	fs	fs	ADP
fueconorg-13371	208	84	511.473	511.473	NUM
fueconorg-13371	208	85	0.0000	0.0000	NUM
fueconorg-13371	208	86	i(1	i(1	NOUN
fueconorg-13371	208	87	)	)	PUNCT
fueconorg-13371	208	88	120.325	120.325	NUM
fueconorg-13371	208	89	0.0003	0.0003	NUM
fueconorg-13371	208	90	i(0	i(0	PROPN
fueconorg-13371	208	91	)	)	PUNCT
fueconorg-13371	208	92	roe	roe	NOUN
fueconorg-13371	208	93	260.041	260.041	NUM
fueconorg-13371	208	94	0.0000	0.0000	NUM
fueconorg-13371	208	95	i(0	i(0	NOUN
fueconorg-13371	208	96	)	)	PUNCT
fueconorg-13371	208	97	371.722	371.722	NUM
fueconorg-13371	208	98	0.0000	0.0000	NUM
fueconorg-13371	208	99	i(0	i(0	NOUN
fueconorg-13371	208	100	)	)	PUNCT
fueconorg-13371	208	101	bmixi	bmixi	VERB
fueconorg-13371	208	102	208.875	208.875	NUM
fueconorg-13371	208	103	0.0000	0.0000	NUM
fueconorg-13371	208	104	i(0	i(0	NOUN
fueconorg-13371	208	105	)	)	PUNCT
fueconorg-13371	208	106	240.219	240.219	NUM
fueconorg-13371	208	107	0.0000	0.0000	NUM
fueconorg-13371	208	108	i(0	i(0	PROPN
fueconorg-13371	208	109	)	)	PUNCT
fueconorg-13371	208	110	bmixii	bmixii	NOUN
fueconorg-13371	208	111	222.876	222.876	NUM
fueconorg-13371	208	112	0.0000	0.0000	NUM
fueconorg-13371	208	113	i(0	i(0	PROPN
fueconorg-13371	208	114	)	)	PUNCT
fueconorg-13371	208	115	198.439	198.439	PROPN
fueconorg-13371	208	116	0.0000	0.0000	NUM
fueconorg-13371	208	117	i(0	i(0	NOUN
fueconorg-13371	208	118	)	)	PUNCT
fueconorg-13371	208	119	bmixiii	bmixiii	VERB
fueconorg-13371	208	120	140.502	140.502	NUM
fueconorg-13371	208	121	0.0000	0.0000	NUM
fueconorg-13371	208	122	i(0	i(0	NOUN
fueconorg-13371	208	123	)	)	PUNCT
fueconorg-13371	208	124	213.475	213.475	NUM
fueconorg-13371	208	125	0.0000	0.0000	NUM
fueconorg-13371	208	126	i(0	i(0	PROPN
fueconorg-13371	208	127	)	)	PUNCT
fueconorg-13371	208	128	bmixiv	bmixiv	PROPN
fueconorg-13371	208	129	96.2008	96.2008	NUM
fueconorg-13371	208	130	0.0300	0.0300	NUM
fueconorg-13371	208	131	i(0	i(0	PROPN
fueconorg-13371	208	132	)	)	PUNCT
fueconorg-13371	208	133	118.207	118.207	NUM
fueconorg-13371	208	134	0.0003	0.0003	NUM
fueconorg-13371	208	135	i(0	i(0	PROPN
fueconorg-13371	208	136	)	)	PUNCT
fueconorg-13371	208	137	source	source	NOUN
fueconorg-13371	208	138	:	:	PUNCT
fueconorg-13371	208	139	researcher	researcher	NOUN
fueconorg-13371	208	140	’s	’s	PART
fueconorg-13371	208	141	computation	computation	NOUN
fueconorg-13371	208	142	from	from	ADP
fueconorg-13371	208	143	eviews	eviews	PROPN
fueconorg-13371	208	144	12	12	NUM
fueconorg-13371	208	145	the	the	DET
fueconorg-13371	208	146	unit	unit	NOUN
fueconorg-13371	208	147	root	root	NOUN
fueconorg-13371	208	148	analysis	analysis	NOUN
fueconorg-13371	208	149	indicated	indicate	VERB
fueconorg-13371	208	150	that	that	SCONJ
fueconorg-13371	208	151	using	use	VERB
fueconorg-13371	208	152	the	the	DET
fueconorg-13371	208	153	adf	adf	PROPN
fueconorg-13371	208	154	test	test	NOUN
fueconorg-13371	208	155	,	,	PUNCT
fueconorg-13371	208	156	the	the	DET
fueconorg-13371	208	157	variables	variable	NOUN
fueconorg-13371	208	158	were	be	AUX
fueconorg-13371	208	159	stationary	stationary	ADJ
fueconorg-13371	208	160	at	at	ADP
fueconorg-13371	208	161	the	the	DET
fueconorg-13371	208	162	levels	level	NOUN
fueconorg-13371	208	163	except	except	SCONJ
fueconorg-13371	208	164	fs	fs	ADP
fueconorg-13371	208	165	which	which	PRON
fueconorg-13371	208	166	was	be	AUX
fueconorg-13371	208	167	stationary	stationary	ADJ
fueconorg-13371	208	168	at	at	ADP
fueconorg-13371	208	169	the	the	DET
fueconorg-13371	208	170	first	first	ADJ
fueconorg-13371	208	171	difference	difference	NOUN
fueconorg-13371	208	172	.	.	PUNCT
fueconorg-13371	209	1	with	with	ADP
fueconorg-13371	209	2	the	the	DET
fueconorg-13371	209	3	pp	pp	PROPN
fueconorg-13371	209	4	fisher	fisher	PROPN
fueconorg-13371	209	5	chi	chi	ADJ
fueconorg-13371	209	6	-	-	PUNCT
fueconorg-13371	209	7	square	square	NOUN
fueconorg-13371	209	8	test	test	NOUN
fueconorg-13371	209	9	all	all	DET
fueconorg-13371	209	10	the	the	DET
fueconorg-13371	209	11	variables	variable	NOUN
fueconorg-13371	209	12	were	be	AUX
fueconorg-13371	209	13	stationary	stationary	ADJ
fueconorg-13371	209	14	at	at	ADP
fueconorg-13371	209	15	the	the	DET
fueconorg-13371	209	16	level	level	NOUN
fueconorg-13371	209	17	.	.	PUNCT
fueconorg-13371	210	1	4.3	4.3	NUM
fueconorg-13371	210	2	test	test	NOUN
fueconorg-13371	210	3	for	for	ADP
fueconorg-13371	210	4	multicollinearity	multicollinearity	NOUN
fueconorg-13371	210	5	as	as	ADP
fueconorg-13371	210	6	a	a	DET
fueconorg-13371	210	7	prerequisite	prerequisite	NOUN
fueconorg-13371	210	8	to	to	ADP
fueconorg-13371	210	9	the	the	DET
fueconorg-13371	210	10	regression	regression	NOUN
fueconorg-13371	210	11	analysis	analysis	NOUN
fueconorg-13371	210	12	,	,	PUNCT
fueconorg-13371	210	13	correlation	correlation	NOUN
fueconorg-13371	210	14	analysis	analysis	NOUN
fueconorg-13371	210	15	was	be	AUX
fueconorg-13371	210	16	done	do	VERB
fueconorg-13371	210	17	on	on	ADP
fueconorg-13371	210	18	the	the	DET
fueconorg-13371	210	19	data	datum	NOUN
fueconorg-13371	210	20	to	to	PART
fueconorg-13371	210	21	test	test	VERB
fueconorg-13371	210	22	for	for	ADP
fueconorg-13371	210	23	multicollinearity	multicollinearity	NOUN
fueconorg-13371	210	24	.	.	PUNCT
fueconorg-13371	211	1	multicollinearity	multicollinearity	NOUN
fueconorg-13371	211	2	exists	exist	VERB
fueconorg-13371	211	3	where	where	SCONJ
fueconorg-13371	211	4	there	there	PRON
fueconorg-13371	211	5	are	be	VERB
fueconorg-13371	211	6	inter	inter	NOUN
fueconorg-13371	211	7	-	-	NOUN
fueconorg-13371	211	8	correlations	correlation	NOUN
fueconorg-13371	211	9	among	among	ADP
fueconorg-13371	211	10	the	the	DET
fueconorg-13371	211	11	variables	variable	NOUN
fueconorg-13371	211	12	in	in	ADP
fueconorg-13371	211	13	a	a	DET
fueconorg-13371	211	14	regression	regression	NOUN
fueconorg-13371	211	15	model	model	NOUN
fueconorg-13371	211	16	.	.	PUNCT
fueconorg-13371	212	1	in	in	ADP
fueconorg-13371	212	2	the	the	DET
fueconorg-13371	212	3	event	event	NOUN
fueconorg-13371	212	4	where	where	SCONJ
fueconorg-13371	212	5	the	the	DET
fueconorg-13371	212	6	objective	objective	NOUN
fueconorg-13371	212	7	of	of	ADP
fueconorg-13371	212	8	the	the	DET
fueconorg-13371	212	9	study	study	NOUN
fueconorg-13371	212	10	was	be	AUX
fueconorg-13371	212	11	aimed	aim	VERB
fueconorg-13371	212	12	at	at	ADP
fueconorg-13371	212	13	analyzing	analyze	VERB
fueconorg-13371	212	14	how	how	SCONJ
fueconorg-13371	212	15	well	well	ADV
fueconorg-13371	212	16	the	the	DET
fueconorg-13371	212	17	predictor	predictor	NOUN
fueconorg-13371	212	18	variables	variable	NOUN
fueconorg-13371	212	19	react	react	VERB
fueconorg-13371	212	20	with	with	ADP
fueconorg-13371	212	21	the	the	DET
fueconorg-13371	212	22	response	response	NOUN
fueconorg-13371	212	23	variable	variable	NOUN
fueconorg-13371	212	24	,	,	PUNCT
fueconorg-13371	212	25	the	the	DET
fueconorg-13371	212	26	presence	presence	NOUN
fueconorg-13371	212	27	of	of	ADP
fueconorg-13371	212	28	multicollinearity	multicollinearity	NOUN
fueconorg-13371	212	29	can	can	AUX
fueconorg-13371	212	30	give	give	VERB
fueconorg-13371	212	31	rise	rise	NOUN
fueconorg-13371	212	32	to	to	ADP
fueconorg-13371	212	33	skewed	skewed	ADJ
fueconorg-13371	212	34	and	and	CCONJ
fueconorg-13371	212	35	misleading	misleading	ADJ
fueconorg-13371	212	36	results	result	NOUN
fueconorg-13371	212	37	.	.	PUNCT
fueconorg-13371	213	1	table	table	NOUN
fueconorg-13371	213	2	3	3	NUM
fueconorg-13371	213	3	shows	show	VERB
fueconorg-13371	213	4	the	the	DET
fueconorg-13371	213	5	correlation	correlation	NOUN
fueconorg-13371	213	6	coefficient	coefficient	NOUN
fueconorg-13371	213	7	matrix	matrix	NOUN
fueconorg-13371	213	8	for	for	ADP
fueconorg-13371	213	9	the	the	DET
fueconorg-13371	213	10	non	non	ADJ
fueconorg-13371	213	11	-	-	ADJ
fueconorg-13371	213	12	life	life	ADJ
fueconorg-13371	213	13	insurance	insurance	NOUN
fueconorg-13371	213	14	companies	company	NOUN
fueconorg-13371	213	15	.	.	PUNCT
fueconorg-13371	214	1	the	the	DET
fueconorg-13371	214	2	correlation	correlation	NOUN
fueconorg-13371	214	3	coefficient	coefficient	NOUN
fueconorg-13371	214	4	shows	show	VERB
fueconorg-13371	214	5	the	the	DET
fueconorg-13371	214	6	robustness	robustness	NOUN
fueconorg-13371	214	7	and	and	CCONJ
fueconorg-13371	214	8	the	the	DET
fueconorg-13371	214	9	direction	direction	NOUN
fueconorg-13371	214	10	of	of	ADP
fueconorg-13371	214	11	the	the	DET
fueconorg-13371	214	12	relationship	relationship	NOUN
fueconorg-13371	214	13	between	between	ADP
fueconorg-13371	214	14	the	the	DET
fueconorg-13371	214	15	variables	variable	NOUN
fueconorg-13371	214	16	.	.	PUNCT
fueconorg-13371	215	1	from	from	ADP
fueconorg-13371	215	2	the	the	DET
fueconorg-13371	215	3	table	table	NOUN
fueconorg-13371	215	4	it	it	PRON
fueconorg-13371	215	5	can	can	AUX
fueconorg-13371	215	6	be	be	AUX
fueconorg-13371	215	7	observed	observe	VERB
fueconorg-13371	215	8	that	that	SCONJ
fueconorg-13371	215	9	equity	equity	NOUN
fueconorg-13371	215	10	(	(	PUNCT
fueconorg-13371	215	11	eqr	eqr	PROPN
fueconorg-13371	215	12	)	)	PUNCT
fueconorg-13371	215	13	had	have	VERB
fueconorg-13371	215	14	significant	significant	ADJ
fueconorg-13371	215	15	correlations	correlation	NOUN
fueconorg-13371	215	16	with	with	ADP
fueconorg-13371	215	17	all	all	DET
fueconorg-13371	215	18	the	the	DET
fueconorg-13371	215	19	variables	variable	NOUN
fueconorg-13371	215	20	of	of	ADP
fueconorg-13371	215	21	study	study	NOUN
fueconorg-13371	215	22	with	with	ADP
fueconorg-13371	215	23	positive	positive	ADJ
fueconorg-13371	215	24	correlations	correlation	NOUN
fueconorg-13371	215	25	with	with	ADP
fueconorg-13371	215	26	return	return	NOUN
fueconorg-13371	215	27	on	on	ADP
fueconorg-13371	215	28	equity	equity	NOUN
fueconorg-13371	215	29	(	(	PUNCT
fueconorg-13371	215	30	roe	roe	PROPN
fueconorg-13371	215	31	)	)	PUNCT
fueconorg-13371	215	32	and	and	CCONJ
fueconorg-13371	215	33	bmixiii	bmixiii	NOUN
fueconorg-13371	215	34	,	,	PUNCT
fueconorg-13371	215	35	and	and	CCONJ
fueconorg-13371	215	36	negative	negative	ADJ
fueconorg-13371	215	37	correlations	correlation	NOUN
fueconorg-13371	215	38	with	with	ADP
fueconorg-13371	215	39	the	the	DET
fueconorg-13371	215	40	rest	rest	NOUN
fueconorg-13371	215	41	of	of	ADP
fueconorg-13371	215	42	the	the	DET
fueconorg-13371	215	43	variables	variable	NOUN
fueconorg-13371	215	44	.	.	PUNCT
fueconorg-13371	216	1	the	the	DET
fueconorg-13371	216	2	independent	independent	ADJ
fueconorg-13371	216	3	variables	variable	NOUN
fueconorg-13371	216	4	and	and	CCONJ
fueconorg-13371	216	5	control	control	NOUN
fueconorg-13371	216	6	variables	variable	NOUN
fueconorg-13371	216	7	all	all	PRON
fueconorg-13371	216	8	had	have	VERB
fueconorg-13371	216	9	significant	significant	ADJ
fueconorg-13371	216	10	relationships	relationship	NOUN
fueconorg-13371	216	11	with	with	ADP
fueconorg-13371	216	12	each	each	DET
fueconorg-13371	216	13	other	other	ADJ
fueconorg-13371	216	14	.	.	PUNCT
fueconorg-13371	217	1	all	all	DET
fueconorg-13371	217	2	correlations	correlation	NOUN
fueconorg-13371	217	3	between	between	ADP
fueconorg-13371	217	4	the	the	DET
fueconorg-13371	217	5	independent	independent	ADJ
fueconorg-13371	217	6	variables	variable	NOUN
fueconorg-13371	217	7	and	and	CCONJ
fueconorg-13371	217	8	control	control	NOUN
fueconorg-13371	217	9	variables	variable	NOUN
fueconorg-13371	217	10	were	be	AUX
fueconorg-13371	217	11	modest	modest	ADJ
fueconorg-13371	217	12	and	and	CCONJ
fueconorg-13371	217	13	are	be	AUX
fueconorg-13371	217	14	all	all	ADV
fueconorg-13371	217	15	less	less	ADJ
fueconorg-13371	217	16	than	than	ADP
fueconorg-13371	217	17	0.5	0.5	NUM
fueconorg-13371	217	18	.	.	PUNCT
fueconorg-13371	218	1	this	this	PRON
fueconorg-13371	218	2	indicates	indicate	VERB
fueconorg-13371	218	3	an	an	DET
fueconorg-13371	218	4	absence	absence	NOUN
fueconorg-13371	218	5	of	of	ADP
fueconorg-13371	218	6	inter	inter	NOUN
fueconorg-13371	218	7	-	-	NOUN
fueconorg-13371	218	8	correlation	correlation	NOUN
fueconorg-13371	218	9	among	among	ADP
fueconorg-13371	218	10	the	the	DET
fueconorg-13371	218	11	variables	variable	NOUN
fueconorg-13371	218	12	which	which	PRON
fueconorg-13371	218	13	implies	imply	VERB
fueconorg-13371	218	14	the	the	DET
fueconorg-13371	218	15	absence	absence	NOUN
fueconorg-13371	218	16	of	of	ADP
fueconorg-13371	218	17	multicollinearity	multicollinearity	NOUN
fueconorg-13371	218	18	in	in	ADP
fueconorg-13371	218	19	the	the	DET
fueconorg-13371	218	20	model	model	NOUN
fueconorg-13371	218	21	for	for	ADP
fueconorg-13371	218	22	non	non	ADJ
fueconorg-13371	218	23	-	-	ADJ
fueconorg-13371	218	24	life	life	ADJ
fueconorg-13371	218	25	insurance	insurance	NOUN
fueconorg-13371	218	26	companies	company	NOUN
fueconorg-13371	218	27	.	.	PUNCT
fueconorg-13371	219	1	table	table	NOUN
fueconorg-13371	219	2	3	3	NUM
fueconorg-13371	219	3	correlation	correlation	NOUN
fueconorg-13371	219	4	coefficient	coefficient	NOUN
fueconorg-13371	219	5	matrix	matrix	NOUN
fueconorg-13371	219	6	eqr	eqr	PROPN
fueconorg-13371	220	1	rcr	rcr	PROPN
fueconorg-13371	220	2	sol	sol	PROPN
fueconorg-13371	220	3	ur	ur	INTJ
fueconorg-13371	220	4	fs	fs	PROPN
fueconorg-13371	220	5	roe	roe	PROPN
fueconorg-13371	220	6	bmixi	bmixi	PROPN
fueconorg-13371	220	7	bmixii	bmixii	PROPN
fueconorg-13371	220	8	bmixiii	bmixiii	PROPN
fueconorg-13371	220	9	bmixiv	bmixiv	PROPN
fueconorg-13371	220	10	eqr	eqr	PROPN
fueconorg-13371	220	11	1.00	1.00	NUM
fueconorg-13371	220	12	rcr	rcr	NUM
fueconorg-13371	220	13	-0.09	-0.09	NUM
fueconorg-13371	220	14	1.00	1.00	NUM
fueconorg-13371	220	15	sol	sol	NOUN
fueconorg-13371	220	16	-0.17	-0.17	NOUN
fueconorg-13371	220	17	0.19	0.19	NUM
fueconorg-13371	220	18	1.00	1.00	NUM
fueconorg-13371	220	19	ur	ur	NOUN
fueconorg-13371	220	20	-0.01	-0.01	NUM
fueconorg-13371	220	21	0.42	0.42	NUM
fueconorg-13371	220	22	0.13	0.13	NUM
fueconorg-13371	220	23	1.00	1.00	NUM
fueconorg-13371	220	24	fs	fs	ADP
fueconorg-13371	220	25	-0.11	-0.11	NUM
fueconorg-13371	220	26	-0.09	-0.09	NUM
fueconorg-13371	220	27	0.04	0.04	NUM
fueconorg-13371	220	28	-0.11	-0.11	NUM
fueconorg-13371	220	29	1.00	1.00	NUM
fueconorg-13371	220	30	roe	roe	NOUN
fueconorg-13371	220	31	0.06	0.06	NUM
fueconorg-13371	220	32	0.05	0.05	NUM
fueconorg-13371	220	33	0.02	0.02	NUM
fueconorg-13371	220	34	-0.09	-0.09	NUM
fueconorg-13371	220	35	0.01	0.01	NUM
fueconorg-13371	220	36	1.00	1.00	NUM
fueconorg-13371	220	37	bmixi	bmixi	NOUN
fueconorg-13371	220	38	-0.01	-0.01	NUM
fueconorg-13371	220	39	-0.05	-0.05	NUM
fueconorg-13371	220	40	0.06	0.06	NUM
fueconorg-13371	220	41	-0.09	-0.09	NUM
fueconorg-13371	220	42	-0.03	-0.03	NUM
fueconorg-13371	220	43	0.04	0.04	NUM
fueconorg-13371	220	44	1.00	1.00	NUM
fueconorg-13371	220	45	bmixii	bmixii	NOUN
fueconorg-13371	220	46	-0.06	-0.06	NUM
fueconorg-13371	220	47	0.09	0.09	NUM
fueconorg-13371	220	48	0.05	0.05	NUM
fueconorg-13371	220	49	0.05	0.05	NUM
fueconorg-13371	220	50	-0.02	-0.02	NUM
fueconorg-13371	220	51	0.06	0.06	NUM
fueconorg-13371	220	52	-0.04	-0.04	NUM
fueconorg-13371	220	53	1.00	1.00	NUM
fueconorg-13371	220	54	bmixiii	bmixiii	NOUN
fueconorg-13371	220	55	0.07	0.07	NUM
fueconorg-13371	220	56	0.14	0.14	NUM
fueconorg-13371	220	57	-0.01	-0.01	NUM
fueconorg-13371	220	58	0.12	0.12	NUM
fueconorg-13371	220	59	-0.03	-0.03	NUM
fueconorg-13371	220	60	-0.02	-0.02	NUM
fueconorg-13371	220	61	0.03	0.03	NUM
fueconorg-13371	220	62	0.05	0.05	NUM
fueconorg-13371	220	63	1.00	1.00	NUM
fueconorg-13371	220	64	bmixiv	bmixiv	NOUN
fueconorg-13371	220	65	-0.03	-0.03	NUM
fueconorg-13371	220	66	0.324	0.324	NUM
fueconorg-13371	220	67	0.037	0.037	NUM
fueconorg-13371	220	68	0.285	0.285	NUM
fueconorg-13371	220	69	-0.16	-0.16	PROPN
fueconorg-13371	220	70	0.018	0.018	NUM
fueconorg-13371	220	71	-0.09	-0.09	NUM
fueconorg-13371	220	72	0.07	0.07	NUM
fueconorg-13371	220	73	0.05	0.05	NUM
fueconorg-13371	220	74	1.00	1.00	NUM
fueconorg-13371	220	75	source	source	NOUN
fueconorg-13371	220	76	:	:	PUNCT
fueconorg-13371	220	77	author	author	NOUN
fueconorg-13371	220	78	’s	’s	PART
fueconorg-13371	220	79	computation	computation	NOUN
fueconorg-13371	220	80	(	(	PUNCT
fueconorg-13371	220	81	2024	2024	NUM
fueconorg-13371	220	82	)	)	PUNCT
fueconorg-13371	220	83	110	110	NUM
fueconorg-13371	220	84	m.	m.	NOUN
fueconorg-13371	220	85	s.	s.	PROPN
fueconorg-13371	220	86	ukpong	ukpong	PROPN
fueconorg-13371	220	87	,	,	PUNCT
fueconorg-13371	220	88	m.	m.	NOUN
fueconorg-13371	220	89	a.	a.	PROPN
fueconorg-13371	220	90	obalola	obalola	PROPN
fueconorg-13371	220	91	,	,	PUNCT
fueconorg-13371	220	92	i.	i.	PROPN
fueconorg-13371	220	93	adeleke	adeleke	VERB
fueconorg-13371	220	94	4.4	4.4	NUM
fueconorg-13371	220	95	.	.	PUNCT
fueconorg-13371	221	1	test	test	NOUN
fueconorg-13371	221	2	of	of	ADP
fueconorg-13371	221	3	hypothesis	hypothesis	NOUN
fueconorg-13371	221	4	there	there	PRON
fueconorg-13371	221	5	is	be	VERB
fueconorg-13371	221	6	no	no	DET
fueconorg-13371	221	7	significant	significant	ADJ
fueconorg-13371	221	8	relationship	relationship	NOUN
fueconorg-13371	221	9	between	between	ADP
fueconorg-13371	221	10	reinsurance	reinsurance	NOUN
fueconorg-13371	221	11	ceded	cede	VERB
fueconorg-13371	221	12	and	and	CCONJ
fueconorg-13371	221	13	equity	equity	NOUN
fueconorg-13371	221	14	in	in	ADP
fueconorg-13371	221	15	non	non	ADJ
fueconorg-13371	221	16	-	-	ADJ
fueconorg-13371	221	17	life	life	ADJ
fueconorg-13371	221	18	insurance	insurance	NOUN
fueconorg-13371	221	19	companies	company	NOUN
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fueconorg-13371	221	22	.	.	PUNCT
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fueconorg-13371	223	2	+	+	NUM
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fueconorg-13371	223	4	+	+	CCONJ
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fueconorg-13371	223	8	+	+	CCONJ
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fueconorg-13371	223	20	+	+	CCONJ
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fueconorg-13371	223	24	:	:	PUNCT
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fueconorg-13371	223	30	+	+	NUM
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fueconorg-13371	223	32	+	+	CCONJ
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fueconorg-13371	223	34	+	+	CCONJ
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fueconorg-13371	223	36	+	+	CCONJ
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fueconorg-13371	223	40	+	+	CCONJ
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fueconorg-13371	223	42	+	+	CCONJ
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fueconorg-13371	223	44	+	+	CCONJ
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fueconorg-13371	224	2	+	+	NUM
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fueconorg-13371	224	4	+	+	CCONJ
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fueconorg-13371	224	6	+	+	CCONJ
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fueconorg-13371	224	9	4	4	NUM
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fueconorg-13371	224	11	variable	variable	NOUN
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fueconorg-13371	224	23	.	.	PUNCT
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fueconorg-13371	225	5	.	.	PUNCT
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fueconorg-13371	226	5	.	.	PUNCT
fueconorg-13371	227	1	p	p	X
fueconorg-13371	227	2	-	-	PUNCT
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fueconorg-13371	227	4	coe	coe	NOUN
fueconorg-13371	227	5	.	.	PUNCT
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fueconorg-13371	228	2	-	-	PUNCT
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fueconorg-13371	228	4	const	const	NOUN
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fueconorg-13371	228	8	<	<	NOUN
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fueconorg-13371	228	16	eqr(-1	eqr(-1	NOUN
fueconorg-13371	228	17	)	)	PUNCT
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fueconorg-13371	228	19	<	<	X
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fueconorg-13371	228	21	rcr	rcr	NOUN
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fueconorg-13371	228	94	<	<	NOUN
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fueconorg-13371	228	110	dt_3	dt_3	PROPN
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fueconorg-13371	228	125	dt_6	dt_6	PROPN
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fueconorg-13371	228	130	dt_7	dt_7	VERB
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fueconorg-13371	228	135	dt_8	dt_8	NOUN
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fueconorg-13371	229	9	dt_11	dt_11	VERB
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fueconorg-13371	229	11	0.8933	0.8933	NUM
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fueconorg-13371	229	14	dt_12	dt_12	PRON
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fueconorg-13371	229	16	0.4123	0.4123	NUM
fueconorg-13371	229	17	0.1994	0.1994	NUM
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fueconorg-13371	229	19	dt_13	dt_13	NOUN
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fueconorg-13371	229	24	dt_14	dt_14	NOUN
fueconorg-13371	229	25	1.1604	1.1604	NUM
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fueconorg-13371	229	29	dt_15	dt_15	PROPN
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fueconorg-13371	229	34	dt_16	dt_16	PROPN
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fueconorg-13371	229	39	dt_17	dt_17	NOUN
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fueconorg-13371	229	44	dt_18	dt_18	ADJ
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fueconorg-13371	230	5	dt_19	dt_19	NOUN
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fueconorg-13371	230	8	0.5780	0.5780	NUM
fueconorg-13371	230	9	0.3111	0.3111	NUM
fueconorg-13371	230	10	dt_20	dt_20	NOUN
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fueconorg-13371	230	12	0.4270	0.4270	NUM
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fueconorg-13371	230	14	0.3426	0.3426	NUM
fueconorg-13371	230	15	dt_21	dt_21	PROPN
fueconorg-13371	230	16	0.0366	0.0366	NUM
fueconorg-13371	230	17	0.9494	0.9494	NUM
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fueconorg-13371	230	19	0.7285	0.7285	NUM
fueconorg-13371	230	20	dt_22	dt_22	VERB
fueconorg-13371	230	21	0.4545	0.4545	NUM
fueconorg-13371	230	22	0.4841	0.4841	NUM
fueconorg-13371	230	23	0.6108	0.6108	NUM
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fueconorg-13371	230	25	dt_23	dt_23	NOUN
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fueconorg-13371	230	29	0.3936	0.3936	NUM
fueconorg-13371	230	30	the	the	DET
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fueconorg-13371	230	40	and	and	CCONJ
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fueconorg-13371	230	67	lsdv	lsdv	NOUN
fueconorg-13371	230	68	r	r	NOUN
fueconorg-13371	230	69	-	-	PUNCT
fueconorg-13371	230	70	squared	square	VERB
fueconorg-13371	230	71	0.524221	0.524221	NUM
fueconorg-13371	230	72	f(p	f(p	NOUN
fueconorg-13371	230	73	-	-	PUNCT
fueconorg-13371	230	74	value	value	NOUN
fueconorg-13371	230	75	)	)	PUNCT
fueconorg-13371	230	76	2.34e-06	2.34e-06	NUM
fueconorg-13371	230	77	1.12e-84	1.12e-84	NUM
fueconorg-13371	230	78	durbin	durbin	NOUN
fueconorg-13371	230	79	-	-	PUNCT
fueconorg-13371	230	80	watson	watson	NOUN
fueconorg-13371	230	81	0.65869	0.65869	PROPN
fueconorg-13371	230	82	1.253579	1.253579	NUM
fueconorg-13371	230	83	1.263749	1.263749	NUM
fueconorg-13371	230	84	hannan	hannan	PROPN
fueconorg-13371	230	85	-	-	PUNCT
fueconorg-13371	230	86	quinn	quinn	PROPN
fueconorg-13371	230	87	4350.99	4350.99	NUM
fueconorg-13371	230	88	3932.614	3932.614	NUM
fueconorg-13371	230	89	4313.649	4313.649	NUM
fueconorg-13371	230	90	asymptotic	asymptotic	ADJ
fueconorg-13371	230	91	test	test	NOUN
fueconorg-13371	230	92	statistic	statistic	NOUN
fueconorg-13371	230	93	p(value	p(value	NOUN
fueconorg-13371	230	94	)	)	PUNCT
fueconorg-13371	230	95	0.0547821	0.0547821	NUM
fueconorg-13371	230	96	breusch	breusch	ADJ
fueconorg-13371	230	97	-	-	PUNCT
fueconorg-13371	230	98	pagan	pagan	ADJ
fueconorg-13371	230	99	test	test	NOUN
fueconorg-13371	230	100	p(value	p(value	NOUN
fueconorg-13371	230	101	)	)	PUNCT
fueconorg-13371	230	102	0.0000	0.0000	NUM
fueconorg-13371	230	103	redundant	redundant	ADJ
fueconorg-13371	230	104	fixed	fix	VERB
fueconorg-13371	230	105	effect	effect	NOUN
fueconorg-13371	230	106	test	test	NOUN
fueconorg-13371	230	107	0.0000	0.0000	NUM
fueconorg-13371	230	108	hausman	hausman	ADJ
fueconorg-13371	230	109	test	test	NOUN
fueconorg-13371	230	110	0.146825	0.146825	NUM
fueconorg-13371	230	111	arellano	arellano	NOUN
fueconorg-13371	230	112	-	-	PUNCT
fueconorg-13371	230	113	bond	bond	NOUN
fueconorg-13371	230	114	for	for	ADP
fueconorg-13371	230	115	serial	serial	ADJ
fueconorg-13371	230	116	correlation	correlation	NOUN
fueconorg-13371	230	117	(	(	PUNCT
fueconorg-13371	230	118	ar2	ar2	PROPN
fueconorg-13371	230	119	)	)	PUNCT
fueconorg-13371	230	120	0.1360	0.1360	NUM
fueconorg-13371	230	121	sargan	sargan	VERB
fueconorg-13371	230	122	overidentification	overidentification	NOUN
fueconorg-13371	230	123	test	test	NOUN
fueconorg-13371	230	124	0.4272	0.4272	NUM
fueconorg-13371	230	125	wald	wald	X
fueconorg-13371	230	126	(	(	PUNCT
fueconorg-13371	230	127	joint	joint	NOUN
fueconorg-13371	230	128	)	)	PUNCT
fueconorg-13371	230	129	test	test	NOUN
fueconorg-13371	230	130	0.0000	0.0000	NUM
fueconorg-13371	230	131	observations	observation	NOUN
fueconorg-13371	230	132	828	828	NUM
fueconorg-13371	230	133	828	828	NUM
fueconorg-13371	230	134	828	828	NUM
fueconorg-13371	230	135	792	792	NUM
fueconorg-13371	230	136	cross	cross	NOUN
fueconorg-13371	230	137	sections	section	NOUN
fueconorg-13371	230	138	36	36	NUM
fueconorg-13371	230	139	36	36	NUM
fueconorg-13371	230	140	36	36	NUM
fueconorg-13371	230	141	36	36	NUM
fueconorg-13371	230	142	source	source	NOUN
fueconorg-13371	230	143	:	:	PUNCT
fueconorg-13371	230	144	researcher	researcher	NOUN
fueconorg-13371	230	145	’s	’s	PART
fueconorg-13371	230	146	computation	computation	NOUN
fueconorg-13371	230	147	(	(	PUNCT
fueconorg-13371	230	148	2024	2024	NUM
fueconorg-13371	230	149	)	)	PUNCT
fueconorg-13371	230	150	the	the	DET
fueconorg-13371	230	151	result	result	NOUN
fueconorg-13371	230	152	of	of	ADP
fueconorg-13371	230	153	the	the	DET
fueconorg-13371	230	154	analysis	analysis	NOUN
fueconorg-13371	230	155	of	of	ADP
fueconorg-13371	230	156	the	the	DET
fueconorg-13371	230	157	relationship	relationship	NOUN
fueconorg-13371	230	158	between	between	ADP
fueconorg-13371	230	159	equity	equity	NOUN
fueconorg-13371	230	160	and	and	CCONJ
fueconorg-13371	230	161	reinsurance	reinsurance	NOUN
fueconorg-13371	230	162	ceded	cede	VERB
fueconorg-13371	230	163	of	of	ADP
fueconorg-13371	230	164	is	be	AUX
fueconorg-13371	230	165	shown	show	VERB
fueconorg-13371	230	166	in	in	ADP
fueconorg-13371	230	167	table	table	NOUN
fueconorg-13371	230	168	4	4	NUM
fueconorg-13371	230	169	.	.	PUNCT
fueconorg-13371	231	1	the	the	DET
fueconorg-13371	231	2	pooled	pooled	ADJ
fueconorg-13371	231	3	effect	effect	NOUN
fueconorg-13371	231	4	shows	show	VERB
fueconorg-13371	231	5	an	an	DET
fueconorg-13371	231	6	insignificant	insignificant	ADJ
fueconorg-13371	231	7	relationship	relationship	NOUN
fueconorg-13371	231	8	between	between	ADP
fueconorg-13371	231	9	equity	equity	NOUN
fueconorg-13371	231	10	and	and	CCONJ
fueconorg-13371	231	11	reinsurance	reinsurance	NOUN
fueconorg-13371	231	12	ceded	cede	VERB
fueconorg-13371	231	13	,	,	PUNCT
fueconorg-13371	231	14	while	while	SCONJ
fueconorg-13371	231	15	the	the	DET
fueconorg-13371	231	16	fixed	fix	VERB
fueconorg-13371	231	17	effect	effect	NOUN
fueconorg-13371	231	18	,	,	PUNCT
fueconorg-13371	231	19	random	random	ADJ
fueconorg-13371	231	20	effect	effect	NOUN
fueconorg-13371	231	21	and	and	CCONJ
fueconorg-13371	231	22	gmm	gmm	PROPN
fueconorg-13371	231	23	regressions	regression	NOUN
fueconorg-13371	231	24	show	show	VERB
fueconorg-13371	231	25	significant	significant	ADJ
fueconorg-13371	231	26	relationships	relationship	NOUN
fueconorg-13371	231	27	.	.	PUNCT
fueconorg-13371	232	1	using	use	VERB
fueconorg-13371	232	2	the	the	DET
fueconorg-13371	232	3	goodness	goodness	NOUN
fueconorg-13371	232	4	of	of	ADP
fueconorg-13371	232	5	fit	fit	ADJ
fueconorg-13371	232	6	test	test	NOUN
fueconorg-13371	232	7	,	,	PUNCT
fueconorg-13371	232	8	the	the	DET
fueconorg-13371	232	9	pooled	pooled	ADJ
fueconorg-13371	232	10	effect	effect	NOUN
fueconorg-13371	232	11	gives	give	VERB
fueconorg-13371	232	12	a	a	DET
fueconorg-13371	232	13	low	low	ADJ
fueconorg-13371	232	14	r2	r2	NOUN
fueconorg-13371	232	15	of	of	ADP
fueconorg-13371	232	16	7	7	NUM
fueconorg-13371	232	17	%	%	NOUN
fueconorg-13371	232	18	,	,	PUNCT
fueconorg-13371	232	19	and	and	CCONJ
fueconorg-13371	232	20	a	a	DET
fueconorg-13371	232	21	durbin	durbin	ADJ
fueconorg-13371	232	22	-	-	PUNCT
fueconorg-13371	232	23	watson	watson	NOUN
fueconorg-13371	232	24	stat	stat	NOUN
fueconorg-13371	232	25	of	of	ADP
fueconorg-13371	232	26	0.65	0.65	NUM
fueconorg-13371	232	27	which	which	PRON
fueconorg-13371	232	28	are	be	AUX
fueconorg-13371	232	29	below	below	ADP
fueconorg-13371	232	30	acceptable	acceptable	ADJ
fueconorg-13371	232	31	limits	limit	NOUN
fueconorg-13371	232	32	and	and	CCONJ
fueconorg-13371	232	33	also	also	ADV
fueconorg-13371	232	34	indicate	indicate	VERB
fueconorg-13371	232	35	the	the	DET
fueconorg-13371	232	36	presence	presence	NOUN
fueconorg-13371	232	37	of	of	ADP
fueconorg-13371	232	38	autocorrelations	autocorrelation	NOUN
fueconorg-13371	232	39	in	in	ADP
fueconorg-13371	232	40	the	the	DET
fueconorg-13371	232	41	model	model	NOUN
fueconorg-13371	232	42	.	.	PUNCT
fueconorg-13371	233	1	the	the	DET
fueconorg-13371	233	2	fixed	fix	VERB
fueconorg-13371	233	3	effect	effect	NOUN
fueconorg-13371	233	4	gives	give	VERB
fueconorg-13371	233	5	an	an	DET
fueconorg-13371	233	6	lsdv	lsdv	NOUN
fueconorg-13371	233	7	r2	r2	NOUN
fueconorg-13371	233	8	of	of	ADP
fueconorg-13371	233	9	52	52	NUM
fueconorg-13371	233	10	%	%	NOUN
fueconorg-13371	233	11	,	,	PUNCT
fueconorg-13371	233	12	which	which	PRON
fueconorg-13371	233	13	is	be	AUX
fueconorg-13371	233	14	much	much	ADV
fueconorg-13371	233	15	better	well	ADJ
fueconorg-13371	233	16	than	than	ADP
fueconorg-13371	233	17	that	that	PRON
fueconorg-13371	233	18	of	of	ADP
fueconorg-13371	233	19	the	the	DET
fueconorg-13371	233	20	pooled	pooled	ADJ
fueconorg-13371	233	21	effect	effect	NOUN
fueconorg-13371	233	22	,	,	PUNCT
fueconorg-13371	233	23	and	and	CCONJ
fueconorg-13371	233	24	a	a	DET
fueconorg-13371	233	25	durbin	durbin	ADJ
fueconorg-13371	233	26	-	-	PUNCT
fueconorg-13371	233	27	watson	watson	NOUN
fueconorg-13371	233	28	stat	stat	NOUN
fueconorg-13371	233	29	of	of	ADP
fueconorg-13371	233	30	1.25	1.25	NUM
fueconorg-13371	233	31	.	.	PUNCT
fueconorg-13371	234	1	it	it	PRON
fueconorg-13371	234	2	is	be	AUX
fueconorg-13371	234	3	not	not	PART
fueconorg-13371	234	4	surprising	surprising	ADJ
fueconorg-13371	234	5	that	that	SCONJ
fueconorg-13371	234	6	the	the	DET
fueconorg-13371	234	7	redundant	redundant	ADJ
fueconorg-13371	234	8	fixed	fix	VERB
fueconorg-13371	234	9	effect	effect	NOUN
fueconorg-13371	234	10	showed	show	VERB
fueconorg-13371	234	11	that	that	SCONJ
fueconorg-13371	234	12	the	the	DET
fueconorg-13371	234	13	fixed	fix	VERB
fueconorg-13371	234	14	effect	effect	NOUN
fueconorg-13371	234	15	is	be	AUX
fueconorg-13371	234	16	a	a	DET
fueconorg-13371	234	17	better	well	ADJ
fueconorg-13371	234	18	model	model	NOUN
fueconorg-13371	234	19	against	against	ADP
fueconorg-13371	234	20	the	the	DET
fueconorg-13371	234	21	pooled	pooled	ADJ
fueconorg-13371	234	22	effect	effect	NOUN
fueconorg-13371	234	23	with	with	ADP
fueconorg-13371	234	24	a	a	DET
fueconorg-13371	234	25	probability	probability	NOUN
fueconorg-13371	234	26	value	value	NOUN
fueconorg-13371	234	27	of	of	ADP
fueconorg-13371	234	28	0.00	0.00	NUM
fueconorg-13371	234	29	.	.	PUNCT
fueconorg-13371	234	30	similar	similar	ADJ
fueconorg-13371	234	31	to	to	ADP
fueconorg-13371	234	32	the	the	DET
fueconorg-13371	234	33	fixed	fix	VERB
fueconorg-13371	234	34	effect	effect	NOUN
fueconorg-13371	234	35	,	,	PUNCT
fueconorg-13371	234	36	the	the	DET
fueconorg-13371	234	37	random	random	ADJ
fueconorg-13371	234	38	effect	effect	NOUN
fueconorg-13371	234	39	gave	give	VERB
fueconorg-13371	234	40	a	a	DET
fueconorg-13371	234	41	durbin	durbin	ADJ
fueconorg-13371	234	42	-	-	PUNCT
fueconorg-13371	234	43	watson	watson	NOUN
fueconorg-13371	234	44	statistic	statistic	NOUN
fueconorg-13371	234	45	of	of	ADP
fueconorg-13371	234	46	1.263	1.263	NUM
fueconorg-13371	234	47	which	which	PRON
fueconorg-13371	234	48	is	be	AUX
fueconorg-13371	234	49	still	still	ADV
fueconorg-13371	234	50	below	below	ADP
fueconorg-13371	234	51	the	the	DET
fueconorg-13371	234	52	acceptable	acceptable	ADJ
fueconorg-13371	234	53	limits	limit	NOUN
fueconorg-13371	234	54	and	and	CCONJ
fueconorg-13371	234	55	a	a	DET
fueconorg-13371	234	56	breusch	breusch	ADJ
fueconorg-13371	234	57	-	-	PUNCT
fueconorg-13371	234	58	pagan	pagan	ADJ
fueconorg-13371	234	59	test	test	NOUN
fueconorg-13371	234	60	p(value	p(value	NOUN
fueconorg-13371	234	61	)	)	PUNCT
fueconorg-13371	234	62	of	of	ADP
fueconorg-13371	234	63	0.00	0.00	NUM
fueconorg-13371	234	64	.	.	PUNCT
fueconorg-13371	235	1	the	the	DET
fueconorg-13371	235	2	hausman	hausman	PROPN
fueconorg-13371	235	3	test	test	NOUN
fueconorg-13371	235	4	with	with	ADP
fueconorg-13371	235	5	a	a	DET
fueconorg-13371	235	6	probability	probability	NOUN
fueconorg-13371	235	7	of	of	ADP
fueconorg-13371	235	8	0.1468	0.1468	NUM
fueconorg-13371	235	9	indicated	indicate	VERB
fueconorg-13371	235	10	that	that	SCONJ
fueconorg-13371	235	11	the	the	DET
fueconorg-13371	235	12	random	random	ADJ
fueconorg-13371	235	13	effect	effect	NOUN
fueconorg-13371	235	14	is	be	AUX
fueconorg-13371	235	15	a	a	DET
fueconorg-13371	235	16	better	well	ADJ
fueconorg-13371	235	17	model	model	NOUN
fueconorg-13371	235	18	than	than	ADP
fueconorg-13371	235	19	the	the	DET
fueconorg-13371	235	20	fixed	fix	VERB
fueconorg-13371	235	21	effect	effect	NOUN
fueconorg-13371	235	22	.	.	PUNCT
fueconorg-13371	236	1	proceeding	proceed	VERB
fueconorg-13371	236	2	to	to	ADP
fueconorg-13371	236	3	the	the	DET
fueconorg-13371	236	4	gmm	gmm	PROPN
fueconorg-13371	236	5	model	model	NOUN
fueconorg-13371	236	6	,	,	PUNCT
fueconorg-13371	236	7	the	the	DET
fueconorg-13371	236	8	arellano	arellano	NOUN
fueconorg-13371	236	9	-	-	PUNCT
fueconorg-13371	236	10	bond	bond	NOUN
fueconorg-13371	236	11	for	for	ADP
fueconorg-13371	236	12	serial	serial	ADJ
fueconorg-13371	236	13	correlation	correlation	NOUN
fueconorg-13371	236	14	(	(	PUNCT
fueconorg-13371	236	15	ar2	ar2	NOUN
fueconorg-13371	236	16	)	)	PUNCT
fueconorg-13371	236	17	test	test	NOUN
fueconorg-13371	236	18	with	with	ADP
fueconorg-13371	236	19	a	a	DET
fueconorg-13371	236	20	probability	probability	NOUN
fueconorg-13371	236	21	of	of	ADP
fueconorg-13371	236	22	0.136	0.136	NUM
fueconorg-13371	236	23	showed	show	VERB
fueconorg-13371	236	24	the	the	DET
fueconorg-13371	236	25	unavailability	unavailability	NOUN
fueconorg-13371	236	26	of	of	ADP
fueconorg-13371	236	27	serial	serial	ADJ
fueconorg-13371	236	28	correlations	correlation	NOUN
fueconorg-13371	236	29	in	in	ADP
fueconorg-13371	236	30	the	the	DET
fueconorg-13371	236	31	model	model	NOUN
fueconorg-13371	236	32	.	.	PUNCT
fueconorg-13371	237	1	the	the	DET
fueconorg-13371	237	2	sargan	sargan	ADJ
fueconorg-13371	237	3	over	over	ADP
fueconorg-13371	237	4	-	-	PUNCT
fueconorg-13371	237	5	identification	identification	NOUN
fueconorg-13371	237	6	test	test	NOUN
fueconorg-13371	237	7	of	of	ADP
fueconorg-13371	237	8	0.4272	0.4272	NUM
fueconorg-13371	237	9	upheld	uphold	VERB
fueconorg-13371	237	10	the	the	DET
fueconorg-13371	237	11	absence	absence	NOUN
fueconorg-13371	237	12	of	of	ADP
fueconorg-13371	237	13	autocorrelations	autocorrelation	NOUN
fueconorg-13371	237	14	and	and	CCONJ
fueconorg-13371	237	15	the	the	DET
fueconorg-13371	237	16	validity	validity	NOUN
fueconorg-13371	237	17	of	of	ADP
fueconorg-13371	237	18	the	the	DET
fueconorg-13371	237	19	research	research	NOUN
fueconorg-13371	237	20	instrument	instrument	NOUN
fueconorg-13371	237	21	.	.	PUNCT
fueconorg-13371	238	1	a	a	DET
fueconorg-13371	238	2	wald	wald	X
fueconorg-13371	238	3	(	(	PUNCT
fueconorg-13371	238	4	joint	joint	ADJ
fueconorg-13371	238	5	)	)	PUNCT
fueconorg-13371	238	6	test	test	NOUN
fueconorg-13371	238	7	of	of	ADP
fueconorg-13371	238	8	0.000	0.000	NUM
fueconorg-13371	238	9	which	which	PRON
fueconorg-13371	238	10	is	be	AUX
fueconorg-13371	238	11	also	also	ADV
fueconorg-13371	238	12	within	within	ADP
fueconorg-13371	238	13	acceptable	acceptable	ADJ
fueconorg-13371	238	14	limits	limit	NOUN
fueconorg-13371	238	15	endorses	endorse	VERB
fueconorg-13371	238	16	the	the	DET
fueconorg-13371	238	17	gmm	gmm	PROPN
fueconorg-13371	238	18	model	model	NOUN
fueconorg-13371	238	19	as	as	ADP
fueconorg-13371	238	20	a	a	DET
fueconorg-13371	238	21	more	more	ADV
fueconorg-13371	238	22	appropriate	appropriate	ADJ
fueconorg-13371	238	23	model	model	NOUN
fueconorg-13371	238	24	for	for	ADP
fueconorg-13371	238	25	the	the	DET
fueconorg-13371	238	26	study	study	NOUN
fueconorg-13371	238	27	.	.	PUNCT
fueconorg-13371	239	1	thus	thus	ADV
fueconorg-13371	239	2	,	,	PUNCT
fueconorg-13371	239	3	with	with	ADP
fueconorg-13371	239	4	a	a	DET
fueconorg-13371	239	5	probability	probability	NOUN
fueconorg-13371	239	6	of	of	ADP
fueconorg-13371	239	7	0.0030	0.0030	NUM
fueconorg-13371	239	8	,	,	PUNCT
fueconorg-13371	239	9	the	the	DET
fueconorg-13371	239	10	hypothesis	hypothesis	NOUN
fueconorg-13371	239	11	of	of	ADP
fueconorg-13371	239	12	an	an	DET
fueconorg-13371	239	13	insignificant	insignificant	ADJ
fueconorg-13371	239	14	relationship	relationship	NOUN
fueconorg-13371	239	15	between	between	ADP
fueconorg-13371	239	16	equity	equity	NOUN
fueconorg-13371	239	17	and	and	CCONJ
fueconorg-13371	239	18	reinsurance	reinsurance	NOUN
fueconorg-13371	239	19	ceded	cede	VERB
fueconorg-13371	239	20	in	in	ADP
fueconorg-13371	239	21	non	non	ADJ
fueconorg-13371	239	22	-	-	ADJ
fueconorg-13371	239	23	life	life	ADJ
fueconorg-13371	239	24	insurance	insurance	NOUN
fueconorg-13371	239	25	companies	company	NOUN
fueconorg-13371	239	26	is	be	AUX
fueconorg-13371	239	27	rejected	reject	VERB
fueconorg-13371	239	28	.	.	PUNCT
fueconorg-13371	240	1	solvency	solvency	NOUN
fueconorg-13371	240	2	,	,	PUNCT
fueconorg-13371	240	3	underwriting	underwriting	NOUN
fueconorg-13371	240	4	risk	risk	NOUN
fueconorg-13371	240	5	and	and	CCONJ
fueconorg-13371	240	6	return	return	VERB
fueconorg-13371	240	7	on	on	ADP
fueconorg-13371	240	8	equity	equity	NOUN
fueconorg-13371	240	9	also	also	ADV
fueconorg-13371	240	10	have	have	VERB
fueconorg-13371	240	11	significant	significant	ADJ
fueconorg-13371	240	12	relationships	relationship	NOUN
fueconorg-13371	240	13	with	with	ADP
fueconorg-13371	240	14	equity	equity	NOUN
fueconorg-13371	240	15	.	.	PUNCT
fueconorg-13371	241	1	firm	firm	ADJ
fueconorg-13371	241	2	size	size	NOUN
fueconorg-13371	241	3	(	(	PUNCT
fueconorg-13371	241	4	fs	fs	NOUN
fueconorg-13371	241	5	)	)	PUNCT
fueconorg-13371	241	6	is	be	AUX
fueconorg-13371	241	7	significant	significant	ADJ
fueconorg-13371	241	8	at	at	ADP
fueconorg-13371	241	9	the	the	DET
fueconorg-13371	241	10	10	10	NUM
fueconorg-13371	241	11	%	%	NOUN
fueconorg-13371	241	12	level	level	NOUN
fueconorg-13371	241	13	of	of	ADP
fueconorg-13371	241	14	significance	significance	NOUN
fueconorg-13371	241	15	;	;	PUNCT
fueconorg-13371	241	16	and	and	CCONJ
fueconorg-13371	241	17	two	two	NUM
fueconorg-13371	241	18	of	of	ADP
fueconorg-13371	241	19	the	the	DET
fueconorg-13371	241	20	business	business	NOUN
fueconorg-13371	241	21	mix	mix	NOUN
fueconorg-13371	241	22	variables	variable	NOUN
fueconorg-13371	241	23	(	(	PUNCT
fueconorg-13371	241	24	bmixii	bmixii	NOUN
fueconorg-13371	241	25	and	and	CCONJ
fueconorg-13371	241	26	bmixiii	bmixiii	NOUN
fueconorg-13371	241	27	)	)	PUNCT
fueconorg-13371	241	28	representing	represent	VERB
fueconorg-13371	241	29	business	business	NOUN
fueconorg-13371	241	30	mix	mix	NOUN
fueconorg-13371	241	31	for	for	ADP
fueconorg-13371	241	32	motor	motor	NOUN
fueconorg-13371	241	33	insurance	insurance	NOUN
fueconorg-13371	241	34	and	and	CCONJ
fueconorg-13371	241	35	marine	marine	ADJ
fueconorg-13371	241	36	/	/	SYM
fueconorg-13371	241	37	aviation	aviation	NOUN
fueconorg-13371	241	38	insurance	insurance	NOUN
fueconorg-13371	241	39	respectively	respectively	ADV
fueconorg-13371	241	40	are	be	AUX
fueconorg-13371	241	41	also	also	ADV
fueconorg-13371	241	42	significant	significant	ADJ
fueconorg-13371	241	43	.	.	PUNCT
fueconorg-13371	242	1	reinsurance	reinsurance	NOUN
fueconorg-13371	242	2	ceded	cede	VERB
fueconorg-13371	242	3	,	,	PUNCT
fueconorg-13371	242	4	solvency	solvency	NOUN
fueconorg-13371	242	5	and	and	CCONJ
fueconorg-13371	242	6	firm	firm	ADJ
fueconorg-13371	242	7	size	size	NOUN
fueconorg-13371	242	8	all	all	PRON
fueconorg-13371	242	9	have	have	VERB
fueconorg-13371	242	10	negative	negative	ADJ
fueconorg-13371	242	11	relationships	relationship	NOUN
fueconorg-13371	242	12	with	with	ADP
fueconorg-13371	242	13	equity	equity	NOUN
fueconorg-13371	242	14	while	while	SCONJ
fueconorg-13371	242	15	underwriting	underwriting	NOUN
fueconorg-13371	242	16	risk	risk	NOUN
fueconorg-13371	242	17	and	and	CCONJ
fueconorg-13371	242	18	return	return	VERB
fueconorg-13371	242	19	112	112	NUM
fueconorg-13371	242	20	m.	m.	NOUN
fueconorg-13371	242	21	s.	s.	PROPN
fueconorg-13371	242	22	ukpong	ukpong	PROPN
fueconorg-13371	242	23	,	,	PUNCT
fueconorg-13371	242	24	m.	m.	NOUN
fueconorg-13371	242	25	a.	a.	PROPN
fueconorg-13371	242	26	obalola	obalola	PROPN
fueconorg-13371	242	27	,	,	PUNCT
fueconorg-13371	242	28	i.	i.	PROPN
fueconorg-13371	242	29	adeleke	adeleke	VERB
fueconorg-13371	242	30	on	on	ADP
fueconorg-13371	242	31	equity	equity	NOUN
fueconorg-13371	242	32	display	display	NOUN
fueconorg-13371	242	33	positive	positive	ADJ
fueconorg-13371	242	34	relationships	relationship	NOUN
fueconorg-13371	242	35	.	.	PUNCT
fueconorg-13371	243	1	the	the	DET
fueconorg-13371	243	2	business	business	NOUN
fueconorg-13371	243	3	mix	mix	NOUN
fueconorg-13371	243	4	variables	variable	NOUN
fueconorg-13371	243	5	have	have	VERB
fueconorg-13371	243	6	negative	negative	ADJ
fueconorg-13371	243	7	relationships	relationship	NOUN
fueconorg-13371	243	8	with	with	ADP
fueconorg-13371	243	9	equity	equity	NOUN
fueconorg-13371	243	10	,	,	PUNCT
fueconorg-13371	243	11	except	except	SCONJ
fueconorg-13371	243	12	marine	marine	ADJ
fueconorg-13371	243	13	and	and	CCONJ
fueconorg-13371	243	14	aviation	aviation	NOUN
fueconorg-13371	243	15	insurance	insurance	NOUN
fueconorg-13371	243	16	.	.	PUNCT
fueconorg-13371	244	1	the	the	DET
fueconorg-13371	244	2	variation	variation	NOUN
fueconorg-13371	244	3	in	in	ADP
fueconorg-13371	244	4	the	the	DET
fueconorg-13371	244	5	results	result	NOUN
fueconorg-13371	244	6	across	across	ADP
fueconorg-13371	244	7	the	the	DET
fueconorg-13371	244	8	pooled	pooled	ADJ
fueconorg-13371	244	9	ols	ol	NOUN
fueconorg-13371	244	10	,	,	PUNCT
fueconorg-13371	244	11	fixed	fix	VERB
fueconorg-13371	244	12	effect	effect	NOUN
fueconorg-13371	244	13	,	,	PUNCT
fueconorg-13371	244	14	random	random	ADJ
fueconorg-13371	244	15	effect	effect	NOUN
fueconorg-13371	244	16	and	and	CCONJ
fueconorg-13371	244	17	gmm	gmm	NOUN
fueconorg-13371	244	18	models	model	NOUN
fueconorg-13371	244	19	are	be	AUX
fueconorg-13371	244	20	a	a	DET
fueconorg-13371	244	21	reflection	reflection	NOUN
fueconorg-13371	244	22	of	of	ADP
fueconorg-13371	244	23	their	their	PRON
fueconorg-13371	244	24	fundamental	fundamental	ADJ
fueconorg-13371	244	25	assumptions	assumption	NOUN
fueconorg-13371	244	26	and	and	CCONJ
fueconorg-13371	244	27	their	their	PRON
fueconorg-13371	244	28	treatment	treatment	NOUN
fueconorg-13371	244	29	of	of	ADP
fueconorg-13371	244	30	heterogeneity	heterogeneity	NOUN
fueconorg-13371	244	31	,	,	PUNCT
fueconorg-13371	244	32	endogeneity	endogeneity	NOUN
fueconorg-13371	244	33	and	and	CCONJ
fueconorg-13371	244	34	heteroscedasticity	heteroscedasticity	NOUN
fueconorg-13371	244	35	.	.	PUNCT
fueconorg-13371	245	1	even	even	ADV
fueconorg-13371	245	2	though	though	SCONJ
fueconorg-13371	245	3	each	each	DET
fueconorg-13371	245	4	model	model	NOUN
fueconorg-13371	245	5	provides	provide	VERB
fueconorg-13371	245	6	some	some	DET
fueconorg-13371	245	7	insight	insight	NOUN
fueconorg-13371	245	8	into	into	ADP
fueconorg-13371	245	9	the	the	DET
fueconorg-13371	245	10	study	study	NOUN
fueconorg-13371	245	11	,	,	PUNCT
fueconorg-13371	245	12	the	the	DET
fueconorg-13371	245	13	gmm	gmm	PROPN
fueconorg-13371	245	14	estimator	estimator	NOUN
fueconorg-13371	245	15	is	be	AUX
fueconorg-13371	245	16	preferable	preferable	ADJ
fueconorg-13371	245	17	because	because	SCONJ
fueconorg-13371	245	18	of	of	ADP
fueconorg-13371	245	19	its	its	PRON
fueconorg-13371	245	20	ability	ability	NOUN
fueconorg-13371	245	21	to	to	PART
fueconorg-13371	245	22	generate	generate	VERB
fueconorg-13371	245	23	consistent	consistent	ADJ
fueconorg-13371	245	24	and	and	CCONJ
fueconorg-13371	245	25	efficient	efficient	ADJ
fueconorg-13371	245	26	estimations	estimation	NOUN
fueconorg-13371	245	27	especially	especially	ADV
fueconorg-13371	245	28	where	where	SCONJ
fueconorg-13371	245	29	endogeniety	endogeniety	NOUN
fueconorg-13371	245	30	,	,	PUNCT
fueconorg-13371	245	31	heterogeneity	heterogeneity	NOUN
fueconorg-13371	245	32	and	and	CCONJ
fueconorg-13371	245	33	dynamic	dynamic	ADJ
fueconorg-13371	245	34	behavior	behavior	NOUN
fueconorg-13371	245	35	of	of	ADP
fueconorg-13371	245	36	the	the	DET
fueconorg-13371	245	37	variables	variable	NOUN
fueconorg-13371	245	38	exist	exist	VERB
fueconorg-13371	245	39	.	.	PUNCT
fueconorg-13371	246	1	this	this	DET
fueconorg-13371	246	2	ability	ability	NOUN
fueconorg-13371	246	3	produces	produce	VERB
fueconorg-13371	246	4	a	a	DET
fueconorg-13371	246	5	more	more	ADV
fueconorg-13371	246	6	robust	robust	ADJ
fueconorg-13371	246	7	result	result	NOUN
fueconorg-13371	246	8	relevant	relevant	ADJ
fueconorg-13371	246	9	for	for	ADP
fueconorg-13371	246	10	policy	policy	NOUN
fueconorg-13371	246	11	implementation	implementation	NOUN
fueconorg-13371	246	12	and	and	CCONJ
fueconorg-13371	246	13	data	datum	NOUN
fueconorg-13371	246	14	-	-	PUNCT
fueconorg-13371	246	15	intensive	intensive	ADJ
fueconorg-13371	246	16	research	research	NOUN
fueconorg-13371	246	17	,	,	PUNCT
fueconorg-13371	246	18	hence	hence	ADV
fueconorg-13371	246	19	,	,	PUNCT
fueconorg-13371	246	20	the	the	DET
fueconorg-13371	246	21	adoption	adoption	NOUN
fueconorg-13371	246	22	of	of	ADP
fueconorg-13371	246	23	the	the	DET
fueconorg-13371	246	24	gmm	gmm	PROPN
fueconorg-13371	246	25	as	as	ADP
fueconorg-13371	246	26	the	the	DET
fueconorg-13371	246	27	best	good	ADJ
fueconorg-13371	246	28	statistical	statistical	ADJ
fueconorg-13371	246	29	model	model	NOUN
fueconorg-13371	246	30	for	for	ADP
fueconorg-13371	246	31	the	the	DET
fueconorg-13371	246	32	study	study	NOUN
fueconorg-13371	246	33	.	.	PUNCT
fueconorg-13371	247	1	year	year	NOUN
fueconorg-13371	247	2	dummies	dummy	NOUN
fueconorg-13371	247	3	were	be	AUX
fueconorg-13371	247	4	introduced	introduce	VERB
fueconorg-13371	247	5	into	into	ADP
fueconorg-13371	247	6	the	the	DET
fueconorg-13371	247	7	pooled	pool	VERB
fueconorg-13371	247	8	ols	ol	NOUN
fueconorg-13371	247	9	and	and	CCONJ
fueconorg-13371	247	10	fixed	fix	VERB
fueconorg-13371	247	11	effect	effect	NOUN
fueconorg-13371	247	12	models	model	NOUN
fueconorg-13371	247	13	in	in	ADP
fueconorg-13371	247	14	order	order	NOUN
fueconorg-13371	247	15	to	to	PART
fueconorg-13371	247	16	compare	compare	VERB
fueconorg-13371	247	17	the	the	DET
fueconorg-13371	247	18	effect	effect	NOUN
fueconorg-13371	247	19	of	of	ADP
fueconorg-13371	247	20	the	the	DET
fueconorg-13371	247	21	different	different	ADJ
fueconorg-13371	247	22	years	year	NOUN
fueconorg-13371	247	23	on	on	ADP
fueconorg-13371	247	24	the	the	DET
fueconorg-13371	247	25	dependent	dependent	ADJ
fueconorg-13371	247	26	variable	variable	NOUN
fueconorg-13371	247	27	with	with	ADP
fueconorg-13371	247	28	that	that	PRON
fueconorg-13371	247	29	of	of	ADP
fueconorg-13371	247	30	the	the	DET
fueconorg-13371	247	31	base	base	NOUN
fueconorg-13371	247	32	year	year	NOUN
fueconorg-13371	247	33	.	.	PUNCT
fueconorg-13371	248	1	the	the	DET
fueconorg-13371	248	2	coefficients	coefficient	NOUN
fueconorg-13371	248	3	of	of	ADP
fueconorg-13371	248	4	the	the	DET
fueconorg-13371	248	5	dummies	dummy	NOUN
fueconorg-13371	248	6	reflect	reflect	VERB
fueconorg-13371	248	7	the	the	DET
fueconorg-13371	248	8	changes	change	NOUN
fueconorg-13371	248	9	in	in	ADP
fueconorg-13371	248	10	the	the	DET
fueconorg-13371	248	11	dependent	dependent	ADJ
fueconorg-13371	248	12	variable	variable	NOUN
fueconorg-13371	248	13	of	of	ADP
fueconorg-13371	248	14	the	the	DET
fueconorg-13371	248	15	particular	particular	ADJ
fueconorg-13371	248	16	year	year	NOUN
fueconorg-13371	248	17	,	,	PUNCT
fueconorg-13371	248	18	relative	relative	ADJ
fueconorg-13371	248	19	to	to	ADP
fueconorg-13371	248	20	the	the	DET
fueconorg-13371	248	21	base	base	NOUN
fueconorg-13371	248	22	year	year	NOUN
fueconorg-13371	248	23	.	.	PUNCT
fueconorg-13371	249	1	positive	positive	ADJ
fueconorg-13371	249	2	coefficients	coefficient	NOUN
fueconorg-13371	249	3	are	be	AUX
fueconorg-13371	249	4	an	an	DET
fueconorg-13371	249	5	indication	indication	NOUN
fueconorg-13371	249	6	that	that	SCONJ
fueconorg-13371	249	7	the	the	DET
fueconorg-13371	249	8	dependent	dependent	ADJ
fueconorg-13371	249	9	variable	variable	NOUN
fueconorg-13371	249	10	(	(	PUNCT
fueconorg-13371	249	11	equity	equity	NOUN
fueconorg-13371	249	12	)	)	PUNCT
fueconorg-13371	249	13	was	be	AUX
fueconorg-13371	249	14	higher	high	ADJ
fueconorg-13371	249	15	in	in	ADP
fueconorg-13371	249	16	those	those	DET
fueconorg-13371	249	17	years	year	NOUN
fueconorg-13371	249	18	in	in	ADP
fueconorg-13371	249	19	comparison	comparison	NOUN
fueconorg-13371	249	20	with	with	ADP
fueconorg-13371	249	21	the	the	DET
fueconorg-13371	249	22	base	base	NOUN
fueconorg-13371	249	23	year	year	NOUN
fueconorg-13371	249	24	,	,	PUNCT
fueconorg-13371	249	25	while	while	SCONJ
fueconorg-13371	249	26	negative	negative	ADJ
fueconorg-13371	249	27	coefficients	coefficient	NOUN
fueconorg-13371	249	28	such	such	ADJ
fueconorg-13371	249	29	as	as	ADP
fueconorg-13371	249	30	those	those	PRON
fueconorg-13371	249	31	observed	observe	VERB
fueconorg-13371	249	32	in	in	ADP
fueconorg-13371	249	33	years	year	NOUN
fueconorg-13371	249	34	2,3,7,8,11	2,3,7,8,11	PROPN
fueconorg-13371	249	35	and	and	CCONJ
fueconorg-13371	249	36	16	16	NUM
fueconorg-13371	249	37	suggest	suggest	VERB
fueconorg-13371	249	38	lower	low	ADJ
fueconorg-13371	249	39	values	value	NOUN
fueconorg-13371	249	40	compared	compare	VERB
fueconorg-13371	249	41	with	with	ADP
fueconorg-13371	249	42	the	the	DET
fueconorg-13371	249	43	base	base	NOUN
fueconorg-13371	249	44	year	year	NOUN
fueconorg-13371	249	45	.	.	PUNCT
fueconorg-13371	250	1	differences	difference	NOUN
fueconorg-13371	250	2	in	in	ADP
fueconorg-13371	250	3	the	the	DET
fueconorg-13371	250	4	coefficients	coefficient	NOUN
fueconorg-13371	250	5	observed	observe	VERB
fueconorg-13371	250	6	in	in	ADP
fueconorg-13371	250	7	both	both	DET
fueconorg-13371	250	8	models	model	NOUN
fueconorg-13371	250	9	such	such	ADJ
fueconorg-13371	250	10	as	as	ADP
fueconorg-13371	250	11	for	for	ADP
fueconorg-13371	250	12	years	year	NOUN
fueconorg-13371	250	13	7,8,12	7,8,12	NUM
fueconorg-13371	250	14	and	and	CCONJ
fueconorg-13371	250	15	16	16	NUM
fueconorg-13371	250	16	where	where	SCONJ
fueconorg-13371	250	17	pooled	pool	VERB
fueconorg-13371	250	18	ols	ol	NOUN
fueconorg-13371	250	19	had	have	VERB
fueconorg-13371	250	20	negative	negative	ADJ
fueconorg-13371	250	21	coefficients	coefficient	NOUN
fueconorg-13371	250	22	while	while	SCONJ
fueconorg-13371	250	23	the	the	DET
fueconorg-13371	250	24	reverse	reverse	NOUN
fueconorg-13371	250	25	was	be	AUX
fueconorg-13371	250	26	the	the	DET
fueconorg-13371	250	27	case	case	NOUN
fueconorg-13371	250	28	with	with	ADP
fueconorg-13371	250	29	the	the	DET
fueconorg-13371	250	30	fixed	fix	VERB
fueconorg-13371	250	31	effect	effect	NOUN
fueconorg-13371	250	32	model	model	NOUN
fueconorg-13371	250	33	,	,	PUNCT
fueconorg-13371	250	34	can	can	AUX
fueconorg-13371	250	35	be	be	AUX
fueconorg-13371	250	36	attributed	attribute	VERB
fueconorg-13371	250	37	to	to	ADP
fueconorg-13371	250	38	unobserved	unobserved	ADJ
fueconorg-13371	250	39	individual	individual	ADJ
fueconorg-13371	250	40	-	-	PUNCT
fueconorg-13371	250	41	specific	specific	ADJ
fueconorg-13371	250	42	effects	effect	NOUN
fueconorg-13371	250	43	,	,	PUNCT
fueconorg-13371	250	44	which	which	PRON
fueconorg-13371	250	45	is	be	AUX
fueconorg-13371	250	46	a	a	DET
fueconorg-13371	250	47	common	common	ADJ
fueconorg-13371	250	48	feature	feature	NOUN
fueconorg-13371	250	49	of	of	ADP
fueconorg-13371	250	50	the	the	DET
fueconorg-13371	250	51	pooled	pool	VERB
fueconorg-13371	250	52	ols	ol	NOUN
fueconorg-13371	250	53	regression	regression	NOUN
fueconorg-13371	250	54	.	.	PUNCT
fueconorg-13371	251	1	this	this	DET
fueconorg-13371	251	2	effect	effect	NOUN
fueconorg-13371	251	3	is	be	AUX
fueconorg-13371	251	4	controlled	control	VERB
fueconorg-13371	251	5	in	in	ADP
fueconorg-13371	251	6	the	the	DET
fueconorg-13371	251	7	fixed	fix	VERB
fueconorg-13371	251	8	effect	effect	NOUN
fueconorg-13371	251	9	model	model	NOUN
fueconorg-13371	251	10	which	which	PRON
fueconorg-13371	251	11	affords	afford	VERB
fueconorg-13371	251	12	a	a	DET
fueconorg-13371	251	13	more	more	ADV
fueconorg-13371	251	14	precise	precise	ADJ
fueconorg-13371	251	15	picture	picture	NOUN
fueconorg-13371	251	16	of	of	ADP
fueconorg-13371	251	17	the	the	DET
fueconorg-13371	251	18	variations	variation	NOUN
fueconorg-13371	251	19	.	.	PUNCT
fueconorg-13371	252	1	the	the	DET
fueconorg-13371	252	2	p	p	NOUN
fueconorg-13371	252	3	-	-	PUNCT
fueconorg-13371	252	4	value	value	NOUN
fueconorg-13371	252	5	indicates	indicate	VERB
fueconorg-13371	252	6	the	the	DET
fueconorg-13371	252	7	level	level	NOUN
fueconorg-13371	252	8	of	of	ADP
fueconorg-13371	252	9	significance	significance	NOUN
fueconorg-13371	252	10	of	of	ADP
fueconorg-13371	252	11	the	the	DET
fueconorg-13371	252	12	variation	variation	NOUN
fueconorg-13371	252	13	between	between	ADP
fueconorg-13371	252	14	the	the	DET
fueconorg-13371	252	15	particular	particular	ADJ
fueconorg-13371	252	16	year	year	NOUN
fueconorg-13371	252	17	and	and	CCONJ
fueconorg-13371	252	18	the	the	DET
fueconorg-13371	252	19	base	base	NOUN
fueconorg-13371	252	20	year	year	NOUN
fueconorg-13371	252	21	.	.	PUNCT
fueconorg-13371	253	1	values	value	NOUN
fueconorg-13371	253	2	greater	great	ADJ
fueconorg-13371	253	3	than	than	ADP
fueconorg-13371	253	4	0.05	0.05	NUM
fueconorg-13371	253	5	indicate	indicate	VERB
fueconorg-13371	253	6	statistical	statistical	ADJ
fueconorg-13371	253	7	insignificance	insignificance	NOUN
fueconorg-13371	253	8	,	,	PUNCT
fueconorg-13371	253	9	while	while	SCONJ
fueconorg-13371	253	10	those	those	PRON
fueconorg-13371	253	11	below	below	ADP
fueconorg-13371	253	12	0.05	0.05	NUM
fueconorg-13371	253	13	imply	imply	NOUN
fueconorg-13371	253	14	that	that	SCONJ
fueconorg-13371	253	15	the	the	DET
fueconorg-13371	253	16	difference	difference	NOUN
fueconorg-13371	253	17	was	be	AUX
fueconorg-13371	253	18	insignificant	insignificant	ADJ
fueconorg-13371	253	19	.	.	PUNCT
fueconorg-13371	254	1	with	with	ADP
fueconorg-13371	254	2	the	the	DET
fueconorg-13371	254	3	pooled	pooled	ADJ
fueconorg-13371	254	4	ols	ol	NOUN
fueconorg-13371	254	5	,	,	PUNCT
fueconorg-13371	254	6	it	it	PRON
fueconorg-13371	254	7	can	can	AUX
fueconorg-13371	254	8	be	be	AUX
fueconorg-13371	254	9	observed	observe	VERB
fueconorg-13371	254	10	that	that	SCONJ
fueconorg-13371	254	11	all	all	DET
fueconorg-13371	254	12	the	the	DET
fueconorg-13371	254	13	p	p	NOUN
fueconorg-13371	254	14	-	-	PUNCT
fueconorg-13371	254	15	values	value	NOUN
fueconorg-13371	254	16	were	be	AUX
fueconorg-13371	254	17	greater	great	ADJ
fueconorg-13371	254	18	than	than	ADP
fueconorg-13371	254	19	0.05	0.05	NUM
fueconorg-13371	254	20	,	,	PUNCT
fueconorg-13371	254	21	which	which	PRON
fueconorg-13371	254	22	implies	imply	VERB
fueconorg-13371	254	23	that	that	SCONJ
fueconorg-13371	254	24	the	the	DET
fueconorg-13371	254	25	differences	difference	NOUN
fueconorg-13371	254	26	between	between	ADP
fueconorg-13371	254	27	the	the	DET
fueconorg-13371	254	28	years	year	NOUN
fueconorg-13371	254	29	and	and	CCONJ
fueconorg-13371	254	30	the	the	DET
fueconorg-13371	254	31	base	base	NOUN
fueconorg-13371	254	32	year	year	NOUN
fueconorg-13371	254	33	were	be	AUX
fueconorg-13371	254	34	not	not	PART
fueconorg-13371	254	35	statistically	statistically	ADV
fueconorg-13371	254	36	significant	significant	ADJ
fueconorg-13371	254	37	,	,	PUNCT
fueconorg-13371	254	38	irrespective	irrespective	ADV
fueconorg-13371	254	39	of	of	ADP
fueconorg-13371	254	40	the	the	DET
fueconorg-13371	254	41	large	large	ADJ
fueconorg-13371	254	42	coefficients	coefficient	NOUN
fueconorg-13371	254	43	recorded	record	VERB
fueconorg-13371	254	44	in	in	ADP
fueconorg-13371	254	45	years	year	NOUN
fueconorg-13371	254	46	5	5	NUM
fueconorg-13371	254	47	and	and	CCONJ
fueconorg-13371	254	48	14	14	NUM
fueconorg-13371	254	49	.	.	PUNCT
fueconorg-13371	255	1	for	for	ADP
fueconorg-13371	255	2	the	the	DET
fueconorg-13371	255	3	fixed	fix	VERB
fueconorg-13371	255	4	effect	effect	NOUN
fueconorg-13371	255	5	analysis	analysis	NOUN
fueconorg-13371	255	6	,	,	PUNCT
fueconorg-13371	255	7	year	year	NOUN
fueconorg-13371	255	8	14	14	NUM
fueconorg-13371	255	9	with	with	ADP
fueconorg-13371	255	10	a	a	DET
fueconorg-13371	255	11	p	p	NOUN
fueconorg-13371	255	12	-	-	PUNCT
fueconorg-13371	255	13	value	value	NOUN
fueconorg-13371	255	14	of	of	ADP
fueconorg-13371	255	15	0.0140	0.0140	NUM
fueconorg-13371	255	16	was	be	AUX
fueconorg-13371	255	17	significant	significant	ADJ
fueconorg-13371	255	18	which	which	PRON
fueconorg-13371	255	19	implies	imply	VERB
fueconorg-13371	255	20	that	that	SCONJ
fueconorg-13371	255	21	the	the	DET
fueconorg-13371	255	22	differences	difference	NOUN
fueconorg-13371	255	23	observed	observe	VERB
fueconorg-13371	255	24	in	in	ADP
fueconorg-13371	255	25	that	that	DET
fueconorg-13371	255	26	year	year	NOUN
fueconorg-13371	255	27	from	from	ADP
fueconorg-13371	255	28	the	the	DET
fueconorg-13371	255	29	base	base	NOUN
fueconorg-13371	255	30	year	year	NOUN
fueconorg-13371	255	31	were	be	AUX
fueconorg-13371	255	32	statistically	statistically	ADV
fueconorg-13371	255	33	significant	significant	ADJ
fueconorg-13371	255	34	and	and	CCONJ
fueconorg-13371	255	35	there	there	PRON
fueconorg-13371	255	36	was	be	VERB
fueconorg-13371	255	37	a	a	DET
fueconorg-13371	255	38	valid	valid	ADJ
fueconorg-13371	255	39	underlying	underlie	VERB
fueconorg-13371	255	40	change	change	NOUN
fueconorg-13371	255	41	in	in	ADP
fueconorg-13371	255	42	variation	variation	NOUN
fueconorg-13371	255	43	.	.	PUNCT
fueconorg-13371	256	1	year	year	NOUN
fueconorg-13371	256	2	5	5	NUM
fueconorg-13371	256	3	with	with	ADP
fueconorg-13371	256	4	a	a	DET
fueconorg-13371	256	5	marginal	marginal	ADJ
fueconorg-13371	256	6	p	p	NOUN
fueconorg-13371	256	7	-	-	PUNCT
fueconorg-13371	256	8	value	value	NOUN
fueconorg-13371	256	9	of	of	ADP
fueconorg-13371	256	10	0.0578	0.0578	NUM
fueconorg-13371	256	11	indicated	indicate	VERB
fueconorg-13371	256	12	fairly	fairly	ADV
fueconorg-13371	256	13	marginal	marginal	ADJ
fueconorg-13371	256	14	significance	significance	NOUN
fueconorg-13371	256	15	.	.	PUNCT
fueconorg-13371	257	1	the	the	DET
fueconorg-13371	257	2	analysis	analysis	NOUN
fueconorg-13371	257	3	of	of	ADP
fueconorg-13371	257	4	the	the	DET
fueconorg-13371	257	5	year	year	NOUN
fueconorg-13371	257	6	dummies	dummy	NOUN
fueconorg-13371	257	7	shows	show	VERB
fueconorg-13371	257	8	that	that	SCONJ
fueconorg-13371	257	9	the	the	DET
fueconorg-13371	257	10	changes	change	NOUN
fueconorg-13371	257	11	that	that	PRON
fueconorg-13371	257	12	occurred	occur	VERB
fueconorg-13371	257	13	per	per	ADP
fueconorg-13371	257	14	year	year	NOUN
fueconorg-13371	257	15	were	be	AUX
fueconorg-13371	257	16	mostly	mostly	ADV
fueconorg-13371	257	17	not	not	PART
fueconorg-13371	257	18	statistically	statistically	ADV
fueconorg-13371	257	19	different	different	ADJ
fueconorg-13371	257	20	from	from	ADP
fueconorg-13371	257	21	the	the	DET
fueconorg-13371	257	22	base	base	NOUN
fueconorg-13371	257	23	year	year	NOUN
fueconorg-13371	257	24	.	.	PUNCT
fueconorg-13371	258	1	the	the	DET
fueconorg-13371	258	2	result	result	NOUN
fueconorg-13371	258	3	of	of	ADP
fueconorg-13371	258	4	statistically	statistically	ADV
fueconorg-13371	258	5	insignificant	insignificant	ADJ
fueconorg-13371	258	6	large	large	ADJ
fueconorg-13371	258	7	coefficients	coefficient	NOUN
fueconorg-13371	258	8	implies	imply	VERB
fueconorg-13371	258	9	that	that	SCONJ
fueconorg-13371	258	10	the	the	DET
fueconorg-13371	258	11	effects	effect	NOUN
fueconorg-13371	258	12	may	may	AUX
fueconorg-13371	258	13	be	be	AUX
fueconorg-13371	258	14	due	due	ADJ
fueconorg-13371	258	15	to	to	ADP
fueconorg-13371	258	16	a	a	DET
fueconorg-13371	258	17	random	random	ADJ
fueconorg-13371	258	18	variation	variation	NOUN
fueconorg-13371	258	19	rather	rather	ADV
fueconorg-13371	258	20	than	than	ADP
fueconorg-13371	258	21	a	a	DET
fueconorg-13371	258	22	fundamental	fundamental	ADJ
fueconorg-13371	258	23	change	change	NOUN
fueconorg-13371	258	24	capable	capable	ADJ
fueconorg-13371	258	25	of	of	ADP
fueconorg-13371	258	26	affecting	affect	VERB
fueconorg-13371	258	27	the	the	DET
fueconorg-13371	258	28	dependent	dependent	ADJ
fueconorg-13371	258	29	variable	variable	NOUN
fueconorg-13371	258	30	.	.	PUNCT
fueconorg-13371	259	1	summarily	summarily	ADV
fueconorg-13371	259	2	,	,	PUNCT
fueconorg-13371	259	3	the	the	DET
fueconorg-13371	259	4	mostly	mostly	ADV
fueconorg-13371	259	5	insignificant	insignificant	ADJ
fueconorg-13371	259	6	results	result	NOUN
fueconorg-13371	259	7	obtained	obtain	VERB
fueconorg-13371	259	8	may	may	AUX
fueconorg-13371	259	9	imply	imply	VERB
fueconorg-13371	259	10	that	that	DET
fueconorg-13371	259	11	year	year	NOUN
fueconorg-13371	259	12	to	to	ADP
fueconorg-13371	259	13	year	year	NOUN
fueconorg-13371	259	14	changes	change	NOUN
fueconorg-13371	259	15	of	of	ADP
fueconorg-13371	259	16	the	the	DET
fueconorg-13371	259	17	variables	variable	NOUN
fueconorg-13371	259	18	were	be	AUX
fueconorg-13371	259	19	not	not	PART
fueconorg-13371	259	20	effective	effective	ADJ
fueconorg-13371	259	21	predictors	predictor	NOUN
fueconorg-13371	259	22	of	of	ADP
fueconorg-13371	259	23	the	the	DET
fueconorg-13371	259	24	dependent	dependent	ADJ
fueconorg-13371	259	25	variable	variable	NOUN
fueconorg-13371	259	26	and	and	CCONJ
fueconorg-13371	259	27	that	that	SCONJ
fueconorg-13371	259	28	other	other	ADJ
fueconorg-13371	259	29	factors	factor	NOUN
fueconorg-13371	259	30	may	may	AUX
fueconorg-13371	259	31	be	be	AUX
fueconorg-13371	259	32	more	more	ADV
fueconorg-13371	259	33	effective	effective	ADJ
fueconorg-13371	259	34	in	in	ADP
fueconorg-13371	259	35	elucidating	elucidate	VERB
fueconorg-13371	259	36	the	the	DET
fueconorg-13371	259	37	behaviour	behaviour	NOUN
fueconorg-13371	259	38	of	of	ADP
fueconorg-13371	259	39	the	the	DET
fueconorg-13371	259	40	dependent	dependent	ADJ
fueconorg-13371	259	41	variable	variable	NOUN
fueconorg-13371	259	42	.	.	PUNCT
fueconorg-13371	260	1	4.5	4.5	NUM
fueconorg-13371	260	2	.	.	PUNCT
fueconorg-13371	260	3	discussion	discussion	NOUN
fueconorg-13371	260	4	of	of	ADP
fueconorg-13371	260	5	findings	finding	NOUN
fueconorg-13371	260	6	the	the	DET
fueconorg-13371	260	7	hypothesis	hypothesis	NOUN
fueconorg-13371	260	8	tested	test	VERB
fueconorg-13371	260	9	for	for	ADP
fueconorg-13371	260	10	an	an	DET
fueconorg-13371	260	11	insignificant	insignificant	ADJ
fueconorg-13371	260	12	relationship	relationship	NOUN
fueconorg-13371	260	13	between	between	ADP
fueconorg-13371	260	14	reinsurance	reinsurance	NOUN
fueconorg-13371	260	15	ceded	cede	VERB
fueconorg-13371	260	16	and	and	CCONJ
fueconorg-13371	260	17	equity	equity	NOUN
fueconorg-13371	260	18	in	in	ADP
fueconorg-13371	260	19	non	non	ADJ
fueconorg-13371	260	20	-	-	ADJ
fueconorg-13371	260	21	life	life	ADJ
fueconorg-13371	260	22	insurance	insurance	NOUN
fueconorg-13371	260	23	companies	company	NOUN
fueconorg-13371	260	24	.	.	PUNCT
fueconorg-13371	261	1	findings	finding	NOUN
fueconorg-13371	261	2	revealed	reveal	VERB
fueconorg-13371	261	3	a	a	DET
fueconorg-13371	261	4	significant	significant	ADJ
fueconorg-13371	261	5	negative	negative	ADJ
fueconorg-13371	261	6	relationship	relationship	NOUN
fueconorg-13371	261	7	between	between	ADP
fueconorg-13371	261	8	reinsurance	reinsurance	NOUN
fueconorg-13371	261	9	ceded	cede	VERB
fueconorg-13371	261	10	and	and	CCONJ
fueconorg-13371	261	11	equity	equity	NOUN
fueconorg-13371	261	12	which	which	PRON
fueconorg-13371	261	13	is	be	AUX
fueconorg-13371	261	14	consistent	consistent	ADJ
fueconorg-13371	261	15	with	with	ADP
fueconorg-13371	261	16	the	the	DET
fueconorg-13371	261	17	studies	study	NOUN
fueconorg-13371	261	18	of	of	ADP
fueconorg-13371	261	19	cole	cole	PROPN
fueconorg-13371	261	20	and	and	CCONJ
fueconorg-13371	261	21	mccullough	mccullough	PROPN
fueconorg-13371	261	22	(	(	PUNCT
fueconorg-13371	261	23	2006	2006	NUM
fueconorg-13371	261	24	)	)	PUNCT
fueconorg-13371	261	25	,	,	PUNCT
fueconorg-13371	261	26	hoerger	hoerger	NOUN
fueconorg-13371	261	27	,	,	PUNCT
fueconorg-13371	261	28	et	et	PROPN
fueconorg-13371	261	29	al	al	PROPN
fueconorg-13371	261	30	.	.	PROPN
fueconorg-13371	262	1	(	(	PUNCT
fueconorg-13371	262	2	1990	1990	NUM
fueconorg-13371	262	3	)	)	PUNCT
fueconorg-13371	262	4	and	and	CCONJ
fueconorg-13371	262	5	shortridge	shortridge	NOUN
fueconorg-13371	262	6	and	and	CCONJ
fueconorg-13371	262	7	avila	avila	PROPN
fueconorg-13371	262	8	(	(	PUNCT
fueconorg-13371	262	9	2004	2004	NUM
fueconorg-13371	262	10	)	)	PUNCT
fueconorg-13371	262	11	.	.	PUNCT
fueconorg-13371	263	1	using	use	VERB
fueconorg-13371	263	2	the	the	DET
fueconorg-13371	263	3	surplus	surplus	NOUN
fueconorg-13371	263	4	-	-	PUNCT
fueconorg-13371	263	5	to	to	ADP
fueconorg-13371	263	6	-	-	PUNCT
fueconorg-13371	263	7	premium	premium	NOUN
fueconorg-13371	263	8	ratio	ratio	NOUN
fueconorg-13371	263	9	as	as	ADP
fueconorg-13371	263	10	a	a	DET
fueconorg-13371	263	11	measure	measure	NOUN
fueconorg-13371	263	12	of	of	ADP
fueconorg-13371	263	13	capital	capital	NOUN
fueconorg-13371	263	14	structure	structure	NOUN
fueconorg-13371	263	15	,	,	PUNCT
fueconorg-13371	263	16	the	the	DET
fueconorg-13371	263	17	authors	author	NOUN
fueconorg-13371	263	18	discovered	discover	VERB
fueconorg-13371	263	19	that	that	SCONJ
fueconorg-13371	263	20	a	a	DET
fueconorg-13371	263	21	low	low	ADJ
fueconorg-13371	263	22	surplus	surplus	NOUN
fueconorg-13371	263	23	-	-	PUNCT
fueconorg-13371	263	24	to	to	ADP
fueconorg-13371	263	25	-	-	PUNCT
fueconorg-13371	263	26	premium	premium	NOUN
fueconorg-13371	263	27	ratio	ratio	NOUN
fueconorg-13371	263	28	resulted	result	VERB
fueconorg-13371	263	29	in	in	ADP
fueconorg-13371	263	30	higher	high	ADJ
fueconorg-13371	263	31	reinsurance	reinsurance	NOUN
fueconorg-13371	263	32	utilization	utilization	NOUN
fueconorg-13371	263	33	among	among	ADP
fueconorg-13371	263	34	non	non	ADJ
fueconorg-13371	263	35	-	-	ADJ
fueconorg-13371	263	36	life	life	ADJ
fueconorg-13371	263	37	insurers	insurer	NOUN
fueconorg-13371	263	38	.	.	PUNCT
fueconorg-13371	264	1	abass	abass	PROPN
fueconorg-13371	264	2	and	and	CCONJ
fueconorg-13371	264	3	olubusade	olubusade	PROPN
fueconorg-13371	264	4	(	(	PUNCT
fueconorg-13371	264	5	2023	2023	NUM
fueconorg-13371	264	6	)	)	PUNCT
fueconorg-13371	264	7	and	and	CCONJ
fueconorg-13371	264	8	sheikh	sheikh	NOUN
fueconorg-13371	264	9	,	,	PUNCT
fueconorg-13371	264	10	et	et	PROPN
fueconorg-13371	264	11	al	al	PROPN
fueconorg-13371	264	12	.	.	PUNCT
fueconorg-13371	265	1	(	(	PUNCT
fueconorg-13371	265	2	2018	2018	NUM
fueconorg-13371	265	3	)	)	PUNCT
fueconorg-13371	265	4	who	who	PRON
fueconorg-13371	265	5	adopt	adopt	VERB
fueconorg-13371	265	6	leverage	leverage	NOUN
fueconorg-13371	265	7	as	as	ADP
fueconorg-13371	265	8	a	a	DET
fueconorg-13371	265	9	measure	measure	NOUN
fueconorg-13371	265	10	of	of	ADP
fueconorg-13371	265	11	the	the	DET
fueconorg-13371	265	12	nigerian	nigerian	ADJ
fueconorg-13371	265	13	financial	financial	ADJ
fueconorg-13371	265	14	system	system	NOUN
fueconorg-13371	265	15	:	:	PUNCT
fueconorg-13371	265	16	the	the	DET
fueconorg-13371	265	17	nexus	nexus	NOUN
fueconorg-13371	265	18	between	between	ADP
fueconorg-13371	265	19	reinsurance	reinsurance	NOUN
fueconorg-13371	265	20	ceded	cede	VERB
fueconorg-13371	265	21	and	and	CCONJ
fueconorg-13371	265	22	equity	equity	NOUN
fueconorg-13371	265	23	financing	financing	NOUN
fueconorg-13371	265	24	in	in	ADP
fueconorg-13371	265	25	the	the	DET
fueconorg-13371	265	26	...	...	SYM
fueconorg-13371	265	27	113	113	NUM
fueconorg-13371	265	28	capital	capital	NOUN
fueconorg-13371	265	29	structure	structure	NOUN
fueconorg-13371	265	30	find	find	VERB
fueconorg-13371	265	31	a	a	DET
fueconorg-13371	265	32	significant	significant	ADJ
fueconorg-13371	265	33	negative	negative	ADJ
fueconorg-13371	265	34	relationship	relationship	NOUN
fueconorg-13371	265	35	between	between	ADP
fueconorg-13371	265	36	leverage	leverage	NOUN
fueconorg-13371	265	37	and	and	CCONJ
fueconorg-13371	265	38	reinsurance	reinsurance	NOUN
fueconorg-13371	265	39	utilization	utilization	NOUN
fueconorg-13371	265	40	in	in	ADP
fueconorg-13371	265	41	the	the	DET
fueconorg-13371	265	42	non	non	ADJ
fueconorg-13371	265	43	-	-	ADJ
fueconorg-13371	265	44	life	life	ADJ
fueconorg-13371	265	45	insurance	insurance	NOUN
fueconorg-13371	265	46	sector	sector	NOUN
fueconorg-13371	265	47	.	.	PUNCT
fueconorg-13371	266	1	the	the	DET
fueconorg-13371	266	2	finding	finding	NOUN
fueconorg-13371	266	3	from	from	ADP
fueconorg-13371	266	4	this	this	DET
fueconorg-13371	266	5	study	study	NOUN
fueconorg-13371	266	6	can	can	AUX
fueconorg-13371	266	7	be	be	AUX
fueconorg-13371	266	8	attributed	attribute	VERB
fueconorg-13371	266	9	to	to	ADP
fueconorg-13371	266	10	the	the	DET
fueconorg-13371	266	11	fact	fact	NOUN
fueconorg-13371	266	12	that	that	SCONJ
fueconorg-13371	266	13	insurance	insurance	NOUN
fueconorg-13371	266	14	companies	company	NOUN
fueconorg-13371	266	15	in	in	ADP
fueconorg-13371	266	16	nigeria	nigeria	PROPN
fueconorg-13371	266	17	have	have	AUX
fueconorg-13371	266	18	a	a	DET
fueconorg-13371	266	19	capital	capital	NOUN
fueconorg-13371	266	20	structure	structure	NOUN
fueconorg-13371	266	21	consisting	consist	VERB
fueconorg-13371	266	22	mostly	mostly	ADV
fueconorg-13371	266	23	of	of	ADP
fueconorg-13371	266	24	equity	equity	NOUN
fueconorg-13371	266	25	whereby	whereby	SCONJ
fueconorg-13371	266	26	an	an	DET
fueconorg-13371	266	27	increase	increase	NOUN
fueconorg-13371	266	28	in	in	ADP
fueconorg-13371	266	29	capital	capital	NOUN
fueconorg-13371	266	30	births	birth	NOUN
fueconorg-13371	266	31	an	an	DET
fueconorg-13371	266	32	increase	increase	NOUN
fueconorg-13371	266	33	in	in	ADP
fueconorg-13371	266	34	risks	risk	NOUN
fueconorg-13371	266	35	underwritten	underwrite	VERB
fueconorg-13371	266	36	as	as	SCONJ
fueconorg-13371	266	37	shown	show	VERB
fueconorg-13371	266	38	by	by	ADP
fueconorg-13371	266	39	the	the	DET
fueconorg-13371	266	40	positive	positive	ADJ
fueconorg-13371	266	41	relationship	relationship	NOUN
fueconorg-13371	266	42	of	of	ADP
fueconorg-13371	266	43	underwriting	underwriting	NOUN
fueconorg-13371	266	44	risk	risk	NOUN
fueconorg-13371	266	45	with	with	ADP
fueconorg-13371	266	46	both	both	CCONJ
fueconorg-13371	266	47	equity	equity	NOUN
fueconorg-13371	266	48	and	and	CCONJ
fueconorg-13371	266	49	technical	technical	ADJ
fueconorg-13371	266	50	provisions	provision	NOUN
fueconorg-13371	266	51	.	.	PUNCT
fueconorg-13371	267	1	now	now	ADV
fueconorg-13371	267	2	,	,	PUNCT
fueconorg-13371	267	3	due	due	ADP
fueconorg-13371	267	4	to	to	ADP
fueconorg-13371	267	5	the	the	DET
fueconorg-13371	267	6	stability	stability	NOUN
fueconorg-13371	267	7	of	of	ADP
fueconorg-13371	267	8	their	their	PRON
fueconorg-13371	267	9	equity	equity	NOUN
fueconorg-13371	267	10	sources	source	NOUN
fueconorg-13371	267	11	,	,	PUNCT
fueconorg-13371	267	12	there	there	PRON
fueconorg-13371	267	13	is	be	VERB
fueconorg-13371	267	14	no	no	DET
fueconorg-13371	267	15	motivation	motivation	NOUN
fueconorg-13371	267	16	to	to	PART
fueconorg-13371	267	17	further	far	ADV
fueconorg-13371	267	18	purchase	purchase	VERB
fueconorg-13371	267	19	reinsurance	reinsurance	NOUN
fueconorg-13371	267	20	.	.	PUNCT
fueconorg-13371	268	1	contrarily	contrarily	ADV
fueconorg-13371	268	2	,	,	PUNCT
fueconorg-13371	268	3	wosti	wosti	PROPN
fueconorg-13371	268	4	and	and	CCONJ
fueconorg-13371	268	5	pradhan	pradhan	PROPN
fueconorg-13371	268	6	(	(	PUNCT
fueconorg-13371	268	7	2023	2023	NUM
fueconorg-13371	268	8	)	)	PUNCT
fueconorg-13371	268	9	find	find	VERB
fueconorg-13371	268	10	a	a	DET
fueconorg-13371	268	11	positive	positive	ADJ
fueconorg-13371	268	12	effect	effect	NOUN
fueconorg-13371	268	13	of	of	ADP
fueconorg-13371	268	14	reinsurance	reinsurance	NOUN
fueconorg-13371	268	15	ceded	cede	VERB
fueconorg-13371	268	16	on	on	ADP
fueconorg-13371	268	17	return	return	NOUN
fueconorg-13371	268	18	on	on	ADP
fueconorg-13371	268	19	equity	equity	NOUN
fueconorg-13371	268	20	in	in	ADP
fueconorg-13371	268	21	insurance	insurance	NOUN
fueconorg-13371	268	22	companies	company	NOUN
fueconorg-13371	268	23	in	in	ADP
fueconorg-13371	268	24	nepal	nepal	ADJ
fueconorg-13371	268	25	.	.	PUNCT
fueconorg-13371	269	1	this	this	DET
fueconorg-13371	269	2	finding	finding	NOUN
fueconorg-13371	269	3	is	be	AUX
fueconorg-13371	269	4	in	in	ADP
fueconorg-13371	269	5	alignment	alignment	NOUN
fueconorg-13371	269	6	with	with	ADP
fueconorg-13371	269	7	the	the	DET
fueconorg-13371	269	8	bankruptcy	bankruptcy	NOUN
fueconorg-13371	269	9	cost	cost	NOUN
fueconorg-13371	269	10	hypothesis	hypothesis	NOUN
fueconorg-13371	269	11	and	and	CCONJ
fueconorg-13371	269	12	renting	rent	VERB
fueconorg-13371	269	13	capital	capital	NOUN
fueconorg-13371	269	14	hypothesis	hypothesis	NOUN
fueconorg-13371	269	15	.	.	PUNCT
fueconorg-13371	270	1	from	from	ADP
fueconorg-13371	270	2	the	the	DET
fueconorg-13371	270	3	bankruptcy	bankruptcy	NOUN
fueconorg-13371	270	4	cost	cost	NOUN
fueconorg-13371	270	5	hypothesis	hypothesis	NOUN
fueconorg-13371	270	6	,	,	PUNCT
fueconorg-13371	270	7	it	it	PRON
fueconorg-13371	270	8	can	can	AUX
fueconorg-13371	270	9	be	be	AUX
fueconorg-13371	270	10	deduced	deduce	VERB
fueconorg-13371	270	11	that	that	SCONJ
fueconorg-13371	270	12	firms	firm	NOUN
fueconorg-13371	270	13	with	with	ADP
fueconorg-13371	270	14	less	less	ADJ
fueconorg-13371	270	15	equity	equity	NOUN
fueconorg-13371	270	16	are	be	AUX
fueconorg-13371	270	17	more	more	ADV
fueconorg-13371	270	18	inclined	inclined	ADJ
fueconorg-13371	270	19	to	to	PART
fueconorg-13371	270	20	purchase	purchase	VERB
fueconorg-13371	270	21	more	more	ADJ
fueconorg-13371	270	22	reinsurance	reinsurance	NOUN
fueconorg-13371	270	23	protection	protection	NOUN
fueconorg-13371	270	24	,	,	PUNCT
fueconorg-13371	270	25	thereby	thereby	ADV
fueconorg-13371	270	26	reducing	reduce	VERB
fueconorg-13371	270	27	their	their	PRON
fueconorg-13371	270	28	exposure	exposure	NOUN
fueconorg-13371	270	29	to	to	ADP
fueconorg-13371	270	30	catastrophic	catastrophic	ADJ
fueconorg-13371	270	31	loss	loss	NOUN
fueconorg-13371	270	32	and	and	CCONJ
fueconorg-13371	270	33	guarding	guard	VERB
fueconorg-13371	270	34	against	against	ADP
fueconorg-13371	270	35	bankruptcy	bankruptcy	NOUN
fueconorg-13371	270	36	risk	risk	NOUN
fueconorg-13371	270	37	and	and	CCONJ
fueconorg-13371	270	38	its	its	PRON
fueconorg-13371	270	39	effect	effect	NOUN
fueconorg-13371	270	40	on	on	ADP
fueconorg-13371	270	41	the	the	DET
fueconorg-13371	270	42	policyholders	policyholder	NOUN
fueconorg-13371	270	43	,	,	PUNCT
fueconorg-13371	270	44	shareholders	shareholder	NOUN
fueconorg-13371	270	45	and	and	CCONJ
fueconorg-13371	270	46	employees	employee	NOUN
fueconorg-13371	270	47	.	.	PUNCT
fueconorg-13371	271	1	this	this	PRON
fueconorg-13371	271	2	will	will	AUX
fueconorg-13371	271	3	ensure	ensure	VERB
fueconorg-13371	271	4	greater	great	ADJ
fueconorg-13371	271	5	security	security	NOUN
fueconorg-13371	271	6	for	for	ADP
fueconorg-13371	271	7	policyholders	policyholder	NOUN
fueconorg-13371	271	8	and	and	CCONJ
fueconorg-13371	271	9	strengthen	strengthen	VERB
fueconorg-13371	271	10	the	the	DET
fueconorg-13371	271	11	insurer	insurer	NOUN
fueconorg-13371	271	12	's	's	PART
fueconorg-13371	271	13	stability	stability	NOUN
fueconorg-13371	271	14	in	in	ADP
fueconorg-13371	271	15	the	the	DET
fueconorg-13371	271	16	financial	financial	ADJ
fueconorg-13371	271	17	market	market	NOUN
fueconorg-13371	271	18	.	.	PUNCT
fueconorg-13371	272	1	since	since	SCONJ
fueconorg-13371	272	2	equity	equity	NOUN
fueconorg-13371	272	3	acts	act	NOUN
fueconorg-13371	272	4	as	as	ADP
fueconorg-13371	272	5	a	a	DET
fueconorg-13371	272	6	financial	financial	ADJ
fueconorg-13371	272	7	buffer	buffer	NOUN
fueconorg-13371	272	8	against	against	ADP
fueconorg-13371	272	9	insolvency	insolvency	NOUN
fueconorg-13371	272	10	risk	risk	NOUN
fueconorg-13371	272	11	,	,	PUNCT
fueconorg-13371	272	12	insurers	insurer	NOUN
fueconorg-13371	272	13	with	with	ADP
fueconorg-13371	272	14	low	low	ADJ
fueconorg-13371	272	15	equity	equity	NOUN
fueconorg-13371	272	16	are	be	AUX
fueconorg-13371	272	17	exposed	expose	VERB
fueconorg-13371	272	18	to	to	ADP
fueconorg-13371	272	19	financial	financial	ADJ
fueconorg-13371	272	20	distress	distress	NOUN
fueconorg-13371	272	21	risks	risk	NOUN
fueconorg-13371	272	22	and	and	CCONJ
fueconorg-13371	272	23	have	have	VERB
fueconorg-13371	272	24	a	a	DET
fueconorg-13371	272	25	stronger	strong	ADJ
fueconorg-13371	272	26	incentive	incentive	NOUN
fueconorg-13371	272	27	to	to	PART
fueconorg-13371	272	28	purchase	purchase	VERB
fueconorg-13371	272	29	more	more	ADJ
fueconorg-13371	272	30	reinsurance	reinsurance	NOUN
fueconorg-13371	272	31	to	to	PART
fueconorg-13371	272	32	lessen	lessen	VERB
fueconorg-13371	272	33	volatility	volatility	NOUN
fueconorg-13371	272	34	in	in	ADP
fueconorg-13371	272	35	claims	claim	NOUN
fueconorg-13371	272	36	and	and	CCONJ
fueconorg-13371	272	37	earnings	earning	NOUN
fueconorg-13371	272	38	.	.	PUNCT
fueconorg-13371	273	1	in	in	ADP
fueconorg-13371	273	2	support	support	NOUN
fueconorg-13371	273	3	of	of	ADP
fueconorg-13371	273	4	the	the	DET
fueconorg-13371	273	5	bankruptcy	bankruptcy	NOUN
fueconorg-13371	273	6	cost	cost	NOUN
fueconorg-13371	273	7	hypothesis	hypothesis	NOUN
fueconorg-13371	273	8	,	,	PUNCT
fueconorg-13371	273	9	the	the	DET
fueconorg-13371	273	10	result	result	NOUN
fueconorg-13371	273	11	of	of	ADP
fueconorg-13371	273	12	this	this	DET
fueconorg-13371	273	13	analysis	analysis	NOUN
fueconorg-13371	273	14	shows	show	VERB
fueconorg-13371	273	15	that	that	SCONJ
fueconorg-13371	273	16	the	the	DET
fueconorg-13371	273	17	utilization	utilization	NOUN
fueconorg-13371	273	18	of	of	ADP
fueconorg-13371	273	19	reinsurance	reinsurance	NOUN
fueconorg-13371	273	20	serves	serve	VERB
fueconorg-13371	273	21	as	as	ADP
fueconorg-13371	273	22	an	an	DET
fueconorg-13371	273	23	external	external	ADJ
fueconorg-13371	273	24	risk	risk	NOUN
fueconorg-13371	273	25	financing	financing	NOUN
fueconorg-13371	273	26	tool	tool	NOUN
fueconorg-13371	273	27	enabling	enable	VERB
fueconorg-13371	273	28	less	less	ADV
fueconorg-13371	273	29	capitalized	capitalize	VERB
fueconorg-13371	273	30	firms	firm	NOUN
fueconorg-13371	273	31	to	to	PART
fueconorg-13371	273	32	stabilize	stabilize	VERB
fueconorg-13371	273	33	their	their	PRON
fueconorg-13371	273	34	loss	loss	NOUN
fueconorg-13371	273	35	ratios	ratio	NOUN
fueconorg-13371	273	36	,	,	PUNCT
fueconorg-13371	273	37	enhance	enhance	VERB
fueconorg-13371	273	38	profitability	profitability	NOUN
fueconorg-13371	273	39	and	and	CCONJ
fueconorg-13371	273	40	attain	attain	VERB
fueconorg-13371	273	41	regulatory	regulatory	ADJ
fueconorg-13371	273	42	solvency	solvency	NOUN
fueconorg-13371	273	43	requirements	requirement	NOUN
fueconorg-13371	273	44	especially	especially	ADV
fueconorg-13371	273	45	where	where	SCONJ
fueconorg-13371	273	46	it	it	PRON
fueconorg-13371	273	47	is	be	AUX
fueconorg-13371	273	48	too	too	ADV
fueconorg-13371	273	49	expensive	expensive	ADJ
fueconorg-13371	273	50	to	to	PART
fueconorg-13371	273	51	fund	fund	VERB
fueconorg-13371	273	52	via	via	ADP
fueconorg-13371	273	53	leverage	leverage	NOUN
fueconorg-13371	273	54	.	.	PUNCT
fueconorg-13371	274	1	cole	cole	PROPN
fueconorg-13371	274	2	and	and	CCONJ
fueconorg-13371	274	3	mccullough	mccullough	PROPN
fueconorg-13371	274	4	(	(	PUNCT
fueconorg-13371	274	5	2006	2006	NUM
fueconorg-13371	274	6	)	)	PUNCT
fueconorg-13371	274	7	,	,	PUNCT
fueconorg-13371	274	8	hoerger	hoerger	NOUN
fueconorg-13371	274	9	,	,	PUNCT
fueconorg-13371	274	10	et	et	PROPN
fueconorg-13371	274	11	al	al	PROPN
fueconorg-13371	274	12	.	.	PROPN
fueconorg-13371	274	13	(	(	PUNCT
fueconorg-13371	274	14	1990	1990	NUM
fueconorg-13371	274	15	)	)	PUNCT
fueconorg-13371	274	16	and	and	CCONJ
fueconorg-13371	274	17	li	li	PROPN
fueconorg-13371	274	18	and	and	CCONJ
fueconorg-13371	274	19	shiu	shiu	PROPN
fueconorg-13371	274	20	(	(	PUNCT
fueconorg-13371	274	21	2023	2023	NUM
fueconorg-13371	274	22	)	)	PUNCT
fueconorg-13371	274	23	remark	remark	NOUN
fueconorg-13371	274	24	that	that	SCONJ
fueconorg-13371	274	25	the	the	DET
fueconorg-13371	274	26	chance	chance	NOUN
fueconorg-13371	274	27	of	of	ADP
fueconorg-13371	274	28	bankruptcy	bankruptcy	NOUN
fueconorg-13371	274	29	is	be	AUX
fueconorg-13371	274	30	one	one	NUM
fueconorg-13371	274	31	of	of	ADP
fueconorg-13371	274	32	the	the	DET
fueconorg-13371	274	33	determining	determine	VERB
fueconorg-13371	274	34	factors	factor	NOUN
fueconorg-13371	274	35	of	of	ADP
fueconorg-13371	274	36	the	the	DET
fueconorg-13371	274	37	utilization	utilization	NOUN
fueconorg-13371	274	38	of	of	ADP
fueconorg-13371	274	39	reinsurance	reinsurance	NOUN
fueconorg-13371	274	40	by	by	ADP
fueconorg-13371	274	41	insurers	insurer	NOUN
fueconorg-13371	274	42	.	.	PUNCT
fueconorg-13371	275	1	as	as	SCONJ
fueconorg-13371	275	2	risk	risk	NOUN
fueconorg-13371	275	3	is	be	AUX
fueconorg-13371	275	4	transferred	transfer	VERB
fueconorg-13371	275	5	through	through	ADP
fueconorg-13371	275	6	reinsurance	reinsurance	NOUN
fueconorg-13371	275	7	purchase	purchase	NOUN
fueconorg-13371	275	8	,	,	PUNCT
fueconorg-13371	275	9	the	the	DET
fueconorg-13371	275	10	expected	expect	VERB
fueconorg-13371	275	11	cost	cost	NOUN
fueconorg-13371	275	12	of	of	ADP
fueconorg-13371	275	13	bankruptcy	bankruptcy	NOUN
fueconorg-13371	275	14	is	be	AUX
fueconorg-13371	275	15	reduced	reduce	VERB
fueconorg-13371	275	16	.	.	PUNCT
fueconorg-13371	276	1	insurers	insurer	NOUN
fueconorg-13371	276	2	with	with	ADP
fueconorg-13371	276	3	higher	high	ADJ
fueconorg-13371	276	4	equity	equity	NOUN
fueconorg-13371	276	5	have	have	VERB
fueconorg-13371	276	6	stronger	strong	ADJ
fueconorg-13371	276	7	financial	financial	ADJ
fueconorg-13371	276	8	positions	position	NOUN
fueconorg-13371	276	9	to	to	PART
fueconorg-13371	276	10	guard	guard	VERB
fueconorg-13371	276	11	against	against	ADP
fueconorg-13371	276	12	excessive	excessive	ADJ
fueconorg-13371	276	13	loss	loss	NOUN
fueconorg-13371	276	14	thus	thus	ADV
fueconorg-13371	276	15	reducing	reduce	VERB
fueconorg-13371	276	16	their	their	PRON
fueconorg-13371	276	17	likelihood	likelihood	NOUN
fueconorg-13371	276	18	of	of	ADP
fueconorg-13371	276	19	insolvency	insolvency	NOUN
fueconorg-13371	276	20	even	even	ADV
fueconorg-13371	276	21	if	if	SCONJ
fueconorg-13371	276	22	they	they	PRON
fueconorg-13371	276	23	decide	decide	VERB
fueconorg-13371	276	24	to	to	PART
fueconorg-13371	276	25	purchase	purchase	VERB
fueconorg-13371	276	26	less	less	ADJ
fueconorg-13371	276	27	reinsurance	reinsurance	NOUN
fueconorg-13371	276	28	.	.	PUNCT
fueconorg-13371	277	1	contrarily	contrarily	ADV
fueconorg-13371	277	2	,	,	PUNCT
fueconorg-13371	277	3	shiu	shiu	PROPN
fueconorg-13371	277	4	(	(	PUNCT
fueconorg-13371	277	5	2016	2016	NUM
fueconorg-13371	277	6	)	)	PUNCT
fueconorg-13371	277	7	maintains	maintain	VERB
fueconorg-13371	277	8	that	that	SCONJ
fueconorg-13371	277	9	reinsurance	reinsurance	NOUN
fueconorg-13371	277	10	does	do	AUX
fueconorg-13371	277	11	not	not	PART
fueconorg-13371	277	12	necessarily	necessarily	ADV
fueconorg-13371	277	13	control	control	VERB
fueconorg-13371	277	14	for	for	ADP
fueconorg-13371	277	15	bankruptcy	bankruptcy	NOUN
fueconorg-13371	277	16	but	but	CCONJ
fueconorg-13371	277	17	serves	serve	VERB
fueconorg-13371	277	18	as	as	ADP
fueconorg-13371	277	19	a	a	DET
fueconorg-13371	277	20	mechanism	mechanism	NOUN
fueconorg-13371	277	21	of	of	ADP
fueconorg-13371	277	22	reducing	reduce	VERB
fueconorg-13371	277	23	the	the	DET
fueconorg-13371	277	24	chances	chance	NOUN
fueconorg-13371	277	25	of	of	ADP
fueconorg-13371	277	26	ruin	ruin	NOUN
fueconorg-13371	277	27	.	.	PUNCT
fueconorg-13371	278	1	the	the	DET
fueconorg-13371	278	2	renting	rent	VERB
fueconorg-13371	278	3	capital	capital	NOUN
fueconorg-13371	278	4	hypothesis	hypothesis	NOUN
fueconorg-13371	278	5	considers	consider	VERB
fueconorg-13371	278	6	reinsurance	reinsurance	NOUN
fueconorg-13371	278	7	as	as	ADP
fueconorg-13371	278	8	a	a	DET
fueconorg-13371	278	9	substitute	substitute	NOUN
fueconorg-13371	278	10	for	for	ADP
fueconorg-13371	278	11	capital	capital	NOUN
fueconorg-13371	278	12	.	.	PUNCT
fueconorg-13371	279	1	armstrong	armstrong	PROPN
fueconorg-13371	279	2	and	and	CCONJ
fueconorg-13371	279	3	dror	dror	PROPN
fueconorg-13371	279	4	(	(	PUNCT
fueconorg-13371	279	5	2007	2007	NUM
fueconorg-13371	279	6	)	)	PUNCT
fueconorg-13371	279	7	and	and	CCONJ
fueconorg-13371	279	8	kocurek	kocurek	NOUN
fueconorg-13371	279	9	(	(	PUNCT
fueconorg-13371	279	10	2024	2024	NUM
fueconorg-13371	279	11	)	)	PUNCT
fueconorg-13371	279	12	adjudge	adjudge	VERB
fueconorg-13371	279	13	that	that	SCONJ
fueconorg-13371	279	14	the	the	DET
fueconorg-13371	279	15	utilization	utilization	NOUN
fueconorg-13371	279	16	of	of	ADP
fueconorg-13371	279	17	reinsurance	reinsurance	NOUN
fueconorg-13371	279	18	which	which	PRON
fueconorg-13371	279	19	serves	serve	VERB
fueconorg-13371	279	20	as	as	ADP
fueconorg-13371	279	21	capital	capital	NOUN
fueconorg-13371	279	22	‘	'	PUNCT
fueconorg-13371	279	23	rented	rent	VERB
fueconorg-13371	279	24	’	'	PUNCT
fueconorg-13371	279	25	from	from	ADP
fueconorg-13371	279	26	the	the	DET
fueconorg-13371	279	27	reinsurer	reinsurer	NOUN
fueconorg-13371	279	28	lessens	lessen	VERB
fueconorg-13371	279	29	the	the	DET
fueconorg-13371	279	30	insurer	insurer	NOUN
fueconorg-13371	279	31	’s	’s	PART
fueconorg-13371	279	32	capital	capital	NOUN
fueconorg-13371	279	33	requirement	requirement	NOUN
fueconorg-13371	279	34	to	to	PART
fueconorg-13371	279	35	cover	cover	VERB
fueconorg-13371	279	36	for	for	ADP
fueconorg-13371	279	37	excessive	excessive	ADJ
fueconorg-13371	279	38	or	or	CCONJ
fueconorg-13371	279	39	catastrophic	catastrophic	ADJ
fueconorg-13371	279	40	loss	loss	NOUN
fueconorg-13371	279	41	.	.	PUNCT
fueconorg-13371	280	1	for	for	ADP
fueconorg-13371	280	2	insurers	insurer	NOUN
fueconorg-13371	280	3	with	with	ADP
fueconorg-13371	280	4	low	low	ADJ
fueconorg-13371	280	5	equity	equity	NOUN
fueconorg-13371	280	6	levels	level	NOUN
fueconorg-13371	280	7	,	,	PUNCT
fueconorg-13371	280	8	sourcing	source	VERB
fueconorg-13371	280	9	for	for	ADP
fueconorg-13371	280	10	contingent	contingent	ADJ
fueconorg-13371	280	11	capital	capital	NOUN
fueconorg-13371	280	12	or	or	CCONJ
fueconorg-13371	280	13	new	new	ADJ
fueconorg-13371	280	14	equity	equity	NOUN
fueconorg-13371	280	15	may	may	AUX
fueconorg-13371	280	16	be	be	AUX
fueconorg-13371	280	17	an	an	DET
fueconorg-13371	280	18	arduous	arduous	ADJ
fueconorg-13371	280	19	task	task	NOUN
fueconorg-13371	280	20	,	,	PUNCT
fueconorg-13371	280	21	hence	hence	ADV
fueconorg-13371	280	22	they	they	PRON
fueconorg-13371	280	23	are	be	AUX
fueconorg-13371	280	24	likely	likely	ADJ
fueconorg-13371	280	25	to	to	PART
fueconorg-13371	280	26	opt	opt	VERB
fueconorg-13371	280	27	for	for	ADP
fueconorg-13371	280	28	more	more	ADJ
fueconorg-13371	280	29	reinsurance	reinsurance	NOUN
fueconorg-13371	280	30	and	and	CCONJ
fueconorg-13371	280	31	retain	retain	VERB
fueconorg-13371	280	32	solvency	solvency	NOUN
fueconorg-13371	280	33	.	.	PUNCT
fueconorg-13371	281	1	this	this	PRON
fueconorg-13371	281	2	agrees	agree	VERB
fueconorg-13371	281	3	with	with	ADP
fueconorg-13371	281	4	the	the	DET
fueconorg-13371	281	5	findings	finding	NOUN
fueconorg-13371	281	6	of	of	ADP
fueconorg-13371	281	7	this	this	DET
fueconorg-13371	281	8	study	study	NOUN
fueconorg-13371	281	9	where	where	SCONJ
fueconorg-13371	281	10	low	low	ADJ
fueconorg-13371	281	11	equity	equity	NOUN
fueconorg-13371	281	12	gives	give	VERB
fueconorg-13371	281	13	rise	rise	VERB
fueconorg-13371	281	14	to	to	ADP
fueconorg-13371	281	15	more	more	ADJ
fueconorg-13371	281	16	reinsurance	reinsurance	NOUN
fueconorg-13371	281	17	ceded	cede	VERB
fueconorg-13371	281	18	.	.	PUNCT
fueconorg-13371	282	1	by	by	ADP
fueconorg-13371	282	2	extension	extension	NOUN
fueconorg-13371	282	3	,	,	PUNCT
fueconorg-13371	282	4	cummins	cummin	NOUN
fueconorg-13371	282	5	,	,	PUNCT
fueconorg-13371	282	6	et	et	PROPN
fueconorg-13371	282	7	al	al	PROPN
fueconorg-13371	282	8	.	.	PUNCT
fueconorg-13371	283	1	(	(	PUNCT
fueconorg-13371	283	2	2008	2008	NUM
fueconorg-13371	283	3	)	)	PUNCT
fueconorg-13371	283	4	and	and	CCONJ
fueconorg-13371	283	5	cummins	cummin	NOUN
fueconorg-13371	283	6	,	,	PUNCT
fueconorg-13371	283	7	et	et	PROPN
fueconorg-13371	283	8	al	al	PROPN
fueconorg-13371	283	9	.	.	PROPN
fueconorg-13371	284	1	(	(	PUNCT
fueconorg-13371	284	2	2021	2021	NUM
fueconorg-13371	284	3	)	)	PUNCT
fueconorg-13371	284	4	uphold	uphold	VERB
fueconorg-13371	284	5	that	that	SCONJ
fueconorg-13371	284	6	increased	increase	VERB
fueconorg-13371	284	7	usage	usage	NOUN
fueconorg-13371	284	8	of	of	ADP
fueconorg-13371	284	9	reinsurance	reinsurance	NOUN
fueconorg-13371	284	10	will	will	AUX
fueconorg-13371	284	11	eventually	eventually	ADV
fueconorg-13371	284	12	positively	positively	ADV
fueconorg-13371	284	13	influence	influence	VERB
fueconorg-13371	284	14	shareholder	shareholder	NOUN
fueconorg-13371	284	15	value	value	NOUN
fueconorg-13371	284	16	,	,	PUNCT
fueconorg-13371	284	17	increase	increase	VERB
fueconorg-13371	284	18	equity	equity	NOUN
fueconorg-13371	284	19	and	and	CCONJ
fueconorg-13371	284	20	increase	increase	VERB
fueconorg-13371	284	21	profits	profit	NOUN
fueconorg-13371	284	22	for	for	ADP
fueconorg-13371	284	23	the	the	DET
fueconorg-13371	284	24	insurer	insurer	NOUN
fueconorg-13371	284	25	.	.	PUNCT
fueconorg-13371	285	1	this	this	PRON
fueconorg-13371	285	2	is	be	AUX
fueconorg-13371	285	3	evident	evident	ADJ
fueconorg-13371	285	4	in	in	ADP
fueconorg-13371	285	5	the	the	DET
fueconorg-13371	285	6	positive	positive	ADJ
fueconorg-13371	285	7	effect	effect	NOUN
fueconorg-13371	285	8	of	of	ADP
fueconorg-13371	285	9	roe	roe	PROPN
fueconorg-13371	285	10	on	on	ADP
fueconorg-13371	285	11	equity	equity	NOUN
fueconorg-13371	285	12	and	and	CCONJ
fueconorg-13371	285	13	positive	positive	ADJ
fueconorg-13371	285	14	correlations	correlation	NOUN
fueconorg-13371	285	15	between	between	ADP
fueconorg-13371	285	16	roe	roe	NOUN
fueconorg-13371	285	17	and	and	CCONJ
fueconorg-13371	285	18	the	the	DET
fueconorg-13371	285	19	reinsurance	reinsurance	NOUN
fueconorg-13371	285	20	variables	variable	NOUN
fueconorg-13371	285	21	as	as	SCONJ
fueconorg-13371	285	22	seen	see	VERB
fueconorg-13371	285	23	in	in	ADP
fueconorg-13371	285	24	the	the	DET
fueconorg-13371	285	25	study	study	NOUN
fueconorg-13371	285	26	.	.	PUNCT
fueconorg-13371	286	1	both	both	DET
fueconorg-13371	286	2	theories	theory	NOUN
fueconorg-13371	286	3	(	(	PUNCT
fueconorg-13371	286	4	bankruptcy	bankruptcy	NOUN
fueconorg-13371	286	5	cost	cost	NOUN
fueconorg-13371	286	6	capital	capital	NOUN
fueconorg-13371	286	7	and	and	CCONJ
fueconorg-13371	286	8	renting	rent	VERB
fueconorg-13371	286	9	hypothesis	hypothesis	NOUN
fueconorg-13371	286	10	)	)	PUNCT
fueconorg-13371	286	11	accentuate	accentuate	VERB
fueconorg-13371	286	12	the	the	DET
fueconorg-13371	286	13	role	role	NOUN
fueconorg-13371	286	14	of	of	ADP
fueconorg-13371	286	15	reinsurance	reinsurance	NOUN
fueconorg-13371	286	16	in	in	ADP
fueconorg-13371	286	17	capital	capital	NOUN
fueconorg-13371	286	18	management	management	NOUN
fueconorg-13371	286	19	in	in	ADP
fueconorg-13371	286	20	the	the	DET
fueconorg-13371	286	21	insurance	insurance	NOUN
fueconorg-13371	286	22	sector	sector	NOUN
fueconorg-13371	286	23	.	.	PUNCT
fueconorg-13371	287	1	the	the	DET
fueconorg-13371	287	2	negative	negative	ADJ
fueconorg-13371	287	3	relationship	relationship	NOUN
fueconorg-13371	287	4	between	between	ADP
fueconorg-13371	287	5	reinsurance	reinsurance	NOUN
fueconorg-13371	287	6	ceded	cede	VERB
fueconorg-13371	287	7	and	and	CCONJ
fueconorg-13371	287	8	equity	equity	NOUN
fueconorg-13371	287	9	financing	financing	NOUN
fueconorg-13371	287	10	points	point	NOUN
fueconorg-13371	287	11	that	that	PRON
fueconorg-13371	287	12	insurers	insurer	NOUN
fueconorg-13371	287	13	with	with	ADP
fueconorg-13371	287	14	less	less	ADJ
fueconorg-13371	287	15	capital	capital	NOUN
fueconorg-13371	287	16	intently	intently	ADV
fueconorg-13371	287	17	purchase	purchase	VERB
fueconorg-13371	287	18	reinsurance	reinsurance	NOUN
fueconorg-13371	287	19	to	to	PART
fueconorg-13371	287	20	maintain	maintain	VERB
fueconorg-13371	287	21	solvency	solvency	NOUN
fueconorg-13371	287	22	,	,	PUNCT
fueconorg-13371	287	23	reduce	reduce	VERB
fueconorg-13371	287	24	underwriting	underwriting	NOUN
fueconorg-13371	287	25	risk	risk	NOUN
fueconorg-13371	287	26	and	and	CCONJ
fueconorg-13371	287	27	manage	manage	VERB
fueconorg-13371	287	28	capital	capital	NOUN
fueconorg-13371	287	29	limitations	limitation	NOUN
fueconorg-13371	287	30	.	.	PUNCT
fueconorg-13371	288	1	while	while	SCONJ
fueconorg-13371	288	2	the	the	DET
fueconorg-13371	288	3	bankruptcy	bankruptcy	NOUN
fueconorg-13371	288	4	cost	cost	NOUN
fueconorg-13371	288	5	hypothesis	hypothesis	NOUN
fueconorg-13371	288	6	stresses	stress	VERB
fueconorg-13371	288	7	the	the	DET
fueconorg-13371	288	8	stimulus	stimulus	NOUN
fueconorg-13371	288	9	to	to	PART
fueconorg-13371	288	10	avoid	avoid	VERB
fueconorg-13371	288	11	financial	financial	ADJ
fueconorg-13371	288	12	distress	distress	NOUN
fueconorg-13371	288	13	,	,	PUNCT
fueconorg-13371	288	14	the	the	DET
fueconorg-13371	288	15	renting	rent	VERB
fueconorg-13371	288	16	capital	capital	NOUN
fueconorg-13371	288	17	hypothesis	hypothesis	NOUN
fueconorg-13371	288	18	is	be	AUX
fueconorg-13371	288	19	more	more	ADJ
fueconorg-13371	288	20	about	about	ADP
fueconorg-13371	288	21	making	make	VERB
fueconorg-13371	288	22	available	available	ADJ
fueconorg-13371	288	23	a	a	DET
fueconorg-13371	288	24	costeffective	costeffective	ADJ
fueconorg-13371	288	25	access	access	NOUN
fueconorg-13371	288	26	to	to	ADP
fueconorg-13371	288	27	external	external	ADJ
fueconorg-13371	288	28	capital	capital	NOUN
fueconorg-13371	288	29	capacity	capacity	NOUN
fueconorg-13371	288	30	via	via	ADP
fueconorg-13371	288	31	reinsurance	reinsurance	NOUN
fueconorg-13371	288	32	.	.	PUNCT
fueconorg-13371	289	1	these	these	DET
fueconorg-13371	289	2	perceptions	perception	NOUN
fueconorg-13371	289	3	are	be	AUX
fueconorg-13371	289	4	not	not	PART
fueconorg-13371	289	5	mutually	mutually	ADV
fueconorg-13371	289	6	exclusive	exclusive	ADJ
fueconorg-13371	289	7	as	as	SCONJ
fueconorg-13371	289	8	they	they	PRON
fueconorg-13371	289	9	concurrently	concurrently	ADV
fueconorg-13371	289	10	explain	explain	VERB
fueconorg-13371	289	11	the	the	DET
fueconorg-13371	289	12	insurer	insurer	NOUN
fueconorg-13371	289	13	’s	’s	PART
fueconorg-13371	289	14	reinsurance	reinsurance	NOUN
fueconorg-13371	289	15	decisions	decision	NOUN
fueconorg-13371	289	16	.	.	PUNCT
fueconorg-13371	290	1	thus	thus	ADV
fueconorg-13371	290	2	,	,	PUNCT
fueconorg-13371	290	3	114	114	NUM
fueconorg-13371	290	4	m.	m.	NOUN
fueconorg-13371	290	5	s.	s.	PROPN
fueconorg-13371	290	6	ukpong	ukpong	PROPN
fueconorg-13371	290	7	,	,	PUNCT
fueconorg-13371	290	8	m.	m.	NOUN
fueconorg-13371	290	9	a.	a.	PROPN
fueconorg-13371	290	10	obalola	obalola	PROPN
fueconorg-13371	290	11	,	,	PUNCT
fueconorg-13371	290	12	i.	i.	PROPN
fueconorg-13371	290	13	adeleke	adeleke	VERB
fueconorg-13371	290	14	the	the	DET
fueconorg-13371	290	15	finding	finding	NOUN
fueconorg-13371	290	16	from	from	ADP
fueconorg-13371	290	17	this	this	DET
fueconorg-13371	290	18	study	study	NOUN
fueconorg-13371	290	19	reinforces	reinforce	VERB
fueconorg-13371	290	20	the	the	DET
fueconorg-13371	290	21	theoretical	theoretical	ADJ
fueconorg-13371	290	22	expectation	expectation	NOUN
fueconorg-13371	290	23	of	of	ADP
fueconorg-13371	290	24	an	an	DET
fueconorg-13371	290	25	interdependent	interdependent	ADJ
fueconorg-13371	290	26	relationship	relationship	NOUN
fueconorg-13371	290	27	between	between	ADP
fueconorg-13371	290	28	reinsurance	reinsurance	NOUN
fueconorg-13371	290	29	ceded	cede	VERB
fueconorg-13371	290	30	and	and	CCONJ
fueconorg-13371	290	31	equity	equity	NOUN
fueconorg-13371	290	32	financing	financing	NOUN
fueconorg-13371	290	33	and	and	CCONJ
fueconorg-13371	290	34	that	that	SCONJ
fueconorg-13371	290	35	insurers	insurer	NOUN
fueconorg-13371	290	36	optimize	optimize	VERB
fueconorg-13371	290	37	this	this	DET
fueconorg-13371	290	38	mix	mix	NOUN
fueconorg-13371	290	39	based	base	VERB
fueconorg-13371	290	40	on	on	ADP
fueconorg-13371	290	41	their	their	PRON
fueconorg-13371	290	42	financial	financial	ADJ
fueconorg-13371	290	43	position	position	NOUN
fueconorg-13371	290	44	and	and	CCONJ
fueconorg-13371	290	45	in	in	ADP
fueconorg-13371	290	46	consideration	consideration	NOUN
fueconorg-13371	290	47	of	of	ADP
fueconorg-13371	290	48	regulatory	regulatory	ADJ
fueconorg-13371	290	49	restrictions	restriction	NOUN
fueconorg-13371	290	50	and	and	CCONJ
fueconorg-13371	290	51	cost	cost	NOUN
fueconorg-13371	290	52	of	of	ADP
fueconorg-13371	290	53	obtaining	obtain	VERB
fueconorg-13371	290	54	capital	capital	NOUN
fueconorg-13371	290	55	.	.	PUNCT
fueconorg-13371	291	1	in	in	ADP
fueconorg-13371	291	2	the	the	DET
fueconorg-13371	291	3	correlation	correlation	NOUN
fueconorg-13371	291	4	analysis	analysis	NOUN
fueconorg-13371	291	5	,	,	PUNCT
fueconorg-13371	291	6	a	a	DET
fueconorg-13371	291	7	significant	significant	ADJ
fueconorg-13371	291	8	positive	positive	ADJ
fueconorg-13371	291	9	association	association	NOUN
fueconorg-13371	291	10	was	be	AUX
fueconorg-13371	291	11	observed	observe	VERB
fueconorg-13371	291	12	between	between	ADP
fueconorg-13371	291	13	underwriting	underwriting	NOUN
fueconorg-13371	291	14	risk	risk	NOUN
fueconorg-13371	291	15	and	and	CCONJ
fueconorg-13371	291	16	equity	equity	NOUN
fueconorg-13371	291	17	.	.	PUNCT
fueconorg-13371	292	1	this	this	PRON
fueconorg-13371	292	2	implies	imply	VERB
fueconorg-13371	292	3	that	that	SCONJ
fueconorg-13371	292	4	an	an	DET
fueconorg-13371	292	5	increase	increase	NOUN
fueconorg-13371	292	6	in	in	ADP
fueconorg-13371	292	7	underwriting	underwriting	NOUN
fueconorg-13371	292	8	risk	risk	NOUN
fueconorg-13371	292	9	gives	give	VERB
fueconorg-13371	292	10	a	a	DET
fueconorg-13371	292	11	rise	rise	NOUN
fueconorg-13371	292	12	in	in	ADP
fueconorg-13371	292	13	the	the	DET
fueconorg-13371	292	14	company	company	NOUN
fueconorg-13371	292	15	’s	’s	PART
fueconorg-13371	292	16	equity	equity	NOUN
fueconorg-13371	292	17	.	.	PUNCT
fueconorg-13371	293	1	the	the	DET
fueconorg-13371	293	2	correlation	correlation	NOUN
fueconorg-13371	293	3	analysis	analysis	NOUN
fueconorg-13371	293	4	also	also	ADV
fueconorg-13371	293	5	gave	give	VERB
fueconorg-13371	293	6	a	a	DET
fueconorg-13371	293	7	positive	positive	ADJ
fueconorg-13371	293	8	correlation	correlation	NOUN
fueconorg-13371	293	9	between	between	ADP
fueconorg-13371	293	10	underwriting	underwriting	NOUN
fueconorg-13371	293	11	risk	risk	NOUN
fueconorg-13371	293	12	and	and	CCONJ
fueconorg-13371	293	13	reinsurance	reinsurance	NOUN
fueconorg-13371	293	14	ceded	cede	VERB
fueconorg-13371	293	15	.	.	PUNCT
fueconorg-13371	294	1	the	the	DET
fueconorg-13371	294	2	positive	positive	ADJ
fueconorg-13371	294	3	relationship	relationship	NOUN
fueconorg-13371	294	4	observed	observe	VERB
fueconorg-13371	294	5	with	with	ADP
fueconorg-13371	294	6	these	these	DET
fueconorg-13371	294	7	variables	variable	NOUN
fueconorg-13371	294	8	signifies	signifie	NOUN
fueconorg-13371	294	9	that	that	PRON
fueconorg-13371	294	10	insurers	insurer	NOUN
fueconorg-13371	294	11	with	with	ADP
fueconorg-13371	294	12	greater	great	ADJ
fueconorg-13371	294	13	underwriting	underwriting	NOUN
fueconorg-13371	294	14	risks	risk	NOUN
fueconorg-13371	294	15	retain	retain	VERB
fueconorg-13371	294	16	greater	great	ADJ
fueconorg-13371	294	17	levels	level	NOUN
fueconorg-13371	294	18	of	of	ADP
fueconorg-13371	294	19	equity	equity	NOUN
fueconorg-13371	294	20	.	.	PUNCT
fueconorg-13371	295	1	this	this	PRON
fueconorg-13371	295	2	enables	enable	VERB
fueconorg-13371	295	3	them	they	PRON
fueconorg-13371	295	4	to	to	PART
fueconorg-13371	295	5	maintain	maintain	VERB
fueconorg-13371	295	6	adequate	adequate	ADJ
fueconorg-13371	295	7	capital	capital	NOUN
fueconorg-13371	295	8	capable	capable	ADJ
fueconorg-13371	295	9	of	of	ADP
fueconorg-13371	295	10	absorbing	absorb	VERB
fueconorg-13371	295	11	potential	potential	ADJ
fueconorg-13371	295	12	losses	loss	NOUN
fueconorg-13371	295	13	and	and	CCONJ
fueconorg-13371	295	14	ensuring	ensure	VERB
fueconorg-13371	295	15	financial	financial	ADJ
fueconorg-13371	295	16	stability	stability	NOUN
fueconorg-13371	295	17	.	.	PUNCT
fueconorg-13371	296	1	increased	increase	VERB
fueconorg-13371	296	2	equity	equity	NOUN
fueconorg-13371	296	3	in	in	ADP
fueconorg-13371	296	4	the	the	DET
fueconorg-13371	296	5	midst	midst	NOUN
fueconorg-13371	296	6	of	of	ADP
fueconorg-13371	296	7	increasing	increase	VERB
fueconorg-13371	296	8	underwriting	underwriting	NOUN
fueconorg-13371	296	9	risk	risk	NOUN
fueconorg-13371	296	10	enhances	enhance	VERB
fueconorg-13371	296	11	solvency	solvency	NOUN
fueconorg-13371	296	12	even	even	ADV
fueconorg-13371	296	13	in	in	ADP
fueconorg-13371	296	14	adverse	adverse	ADJ
fueconorg-13371	296	15	conditions	condition	NOUN
fueconorg-13371	296	16	which	which	PRON
fueconorg-13371	296	17	inadvertently	inadvertently	ADV
fueconorg-13371	296	18	protects	protect	VERB
fueconorg-13371	296	19	the	the	DET
fueconorg-13371	296	20	policyholders	policyholder	NOUN
fueconorg-13371	296	21	.	.	PUNCT
fueconorg-13371	297	1	the	the	DET
fueconorg-13371	297	2	positive	positive	ADJ
fueconorg-13371	297	3	correlation	correlation	NOUN
fueconorg-13371	297	4	between	between	ADP
fueconorg-13371	297	5	underwriting	underwriting	NOUN
fueconorg-13371	297	6	risk	risk	NOUN
fueconorg-13371	297	7	and	and	CCONJ
fueconorg-13371	297	8	reinsurance	reinsurance	NOUN
fueconorg-13371	297	9	utilization	utilization	NOUN
fueconorg-13371	297	10	variables	variable	NOUN
fueconorg-13371	297	11	is	be	AUX
fueconorg-13371	297	12	in	in	ADP
fueconorg-13371	297	13	agreement	agreement	NOUN
fueconorg-13371	297	14	with	with	ADP
fueconorg-13371	297	15	the	the	DET
fueconorg-13371	297	16	researches	research	NOUN
fueconorg-13371	297	17	of	of	ADP
fueconorg-13371	297	18	kader	kader	PROPN
fueconorg-13371	297	19	,	,	PUNCT
fueconorg-13371	297	20	et	et	PROPN
fueconorg-13371	297	21	al	al	PROPN
fueconorg-13371	297	22	.	.	PROPN
fueconorg-13371	298	1	(	(	PUNCT
fueconorg-13371	298	2	2010	2010	NUM
fueconorg-13371	298	3	)	)	PUNCT
fueconorg-13371	298	4	and	and	CCONJ
fueconorg-13371	298	5	sheikh	sheikh	NOUN
fueconorg-13371	298	6	,	,	PUNCT
fueconorg-13371	298	7	et	et	PROPN
fueconorg-13371	298	8	al	al	PROPN
fueconorg-13371	298	9	(	(	PUNCT
fueconorg-13371	298	10	2018	2018	NUM
fueconorg-13371	298	11	)	)	PUNCT
fueconorg-13371	298	12	,	,	PUNCT
fueconorg-13371	298	13	obalola	obalola	NOUN
fueconorg-13371	298	14	and	and	CCONJ
fueconorg-13371	298	15	ukpong	ukpong	NOUN
fueconorg-13371	298	16	(	(	PUNCT
fueconorg-13371	298	17	2022	2022	NUM
fueconorg-13371	298	18	)	)	PUNCT
fueconorg-13371	298	19	and	and	CCONJ
fueconorg-13371	298	20	wosti	wosti	NOUN
fueconorg-13371	298	21	and	and	CCONJ
fueconorg-13371	298	22	pradhan	pradhan	PROPN
fueconorg-13371	298	23	(	(	PUNCT
fueconorg-13371	298	24	2023	2023	NUM
fueconorg-13371	298	25	)	)	PUNCT
fueconorg-13371	298	26	.	.	PUNCT
fueconorg-13371	299	1	sheikh	sheikh	PROPN
fueconorg-13371	299	2	,	,	PUNCT
fueconorg-13371	299	3	et	et	PROPN
fueconorg-13371	299	4	al	al	PROPN
fueconorg-13371	299	5	(	(	PUNCT
fueconorg-13371	299	6	2018	2018	NUM
fueconorg-13371	299	7	)	)	PUNCT
fueconorg-13371	299	8	find	find	VERB
fueconorg-13371	299	9	a	a	DET
fueconorg-13371	299	10	positive	positive	ADJ
fueconorg-13371	299	11	relationship	relationship	NOUN
fueconorg-13371	299	12	between	between	ADP
fueconorg-13371	299	13	reinsurance	reinsurance	NOUN
fueconorg-13371	299	14	utilization	utilization	NOUN
fueconorg-13371	299	15	and	and	CCONJ
fueconorg-13371	299	16	underwriting	underwriting	NOUN
fueconorg-13371	299	17	risk	risk	NOUN
fueconorg-13371	299	18	,	,	PUNCT
fueconorg-13371	299	19	solvency	solvency	NOUN
fueconorg-13371	299	20	and	and	CCONJ
fueconorg-13371	299	21	expected	expect	VERB
fueconorg-13371	299	22	taxes	taxis	NOUN
fueconorg-13371	299	23	.	.	PUNCT
fueconorg-13371	300	1	thus	thus	ADV
fueconorg-13371	300	2	,	,	PUNCT
fueconorg-13371	300	3	it	it	PRON
fueconorg-13371	300	4	can	can	AUX
fueconorg-13371	300	5	be	be	AUX
fueconorg-13371	300	6	argued	argue	VERB
fueconorg-13371	300	7	that	that	SCONJ
fueconorg-13371	300	8	more	more	ADJ
fueconorg-13371	300	9	reinsurance	reinsurance	NOUN
fueconorg-13371	300	10	is	be	AUX
fueconorg-13371	300	11	purchased	purchase	VERB
fueconorg-13371	300	12	by	by	ADP
fueconorg-13371	300	13	insurers	insurer	NOUN
fueconorg-13371	300	14	with	with	ADP
fueconorg-13371	300	15	high	high	ADJ
fueconorg-13371	300	16	underwriting	underwriting	NOUN
fueconorg-13371	300	17	risk	risk	NOUN
fueconorg-13371	300	18	and	and	CCONJ
fueconorg-13371	300	19	more	more	ADJ
fueconorg-13371	300	20	reinsurance	reinsurance	NOUN
fueconorg-13371	300	21	purchased	purchase	VERB
fueconorg-13371	300	22	would	would	AUX
fueconorg-13371	300	23	give	give	VERB
fueconorg-13371	300	24	rise	rise	NOUN
fueconorg-13371	300	25	to	to	ADP
fueconorg-13371	300	26	greater	great	ADJ
fueconorg-13371	300	27	solvency	solvency	NOUN
fueconorg-13371	300	28	.	.	PUNCT
fueconorg-13371	301	1	positive	positive	ADJ
fueconorg-13371	301	2	modest	modest	ADJ
fueconorg-13371	301	3	correlation	correlation	NOUN
fueconorg-13371	301	4	was	be	AUX
fueconorg-13371	301	5	observed	observe	VERB
fueconorg-13371	301	6	between	between	ADP
fueconorg-13371	301	7	roe	roe	NOUN
fueconorg-13371	301	8	and	and	CCONJ
fueconorg-13371	301	9	equity	equity	NOUN
fueconorg-13371	301	10	as	as	ADV
fueconorg-13371	301	11	well	well	ADV
fueconorg-13371	301	12	as	as	ADP
fueconorg-13371	301	13	between	between	ADP
fueconorg-13371	301	14	the	the	DET
fueconorg-13371	301	15	proxies	proxy	NOUN
fueconorg-13371	301	16	of	of	ADP
fueconorg-13371	301	17	reinsurance	reinsurance	NOUN
fueconorg-13371	301	18	utilization	utilization	NOUN
fueconorg-13371	301	19	which	which	PRON
fueconorg-13371	301	20	is	be	AUX
fueconorg-13371	301	21	consistent	consistent	ADJ
fueconorg-13371	301	22	with	with	ADP
fueconorg-13371	301	23	the	the	DET
fueconorg-13371	301	24	works	work	NOUN
fueconorg-13371	301	25	of	of	ADP
fueconorg-13371	301	26	obalola	obalola	NOUN
fueconorg-13371	301	27	and	and	CCONJ
fueconorg-13371	301	28	ukpong	ukpong	NOUN
fueconorg-13371	301	29	(	(	PUNCT
fueconorg-13371	301	30	2022	2022	NUM
fueconorg-13371	301	31	)	)	PUNCT
fueconorg-13371	301	32	.	.	PUNCT
fueconorg-13371	302	1	the	the	DET
fueconorg-13371	302	2	authors	author	NOUN
fueconorg-13371	302	3	using	use	VERB
fueconorg-13371	302	4	return	return	NOUN
fueconorg-13371	302	5	on	on	ADP
fueconorg-13371	302	6	asset	asset	NOUN
fueconorg-13371	302	7	as	as	ADP
fueconorg-13371	302	8	a	a	DET
fueconorg-13371	302	9	proxy	proxy	NOUN
fueconorg-13371	302	10	for	for	ADP
fueconorg-13371	302	11	profitability	profitability	NOUN
fueconorg-13371	302	12	obtained	obtain	VERB
fueconorg-13371	302	13	a	a	DET
fueconorg-13371	302	14	positive	positive	ADJ
fueconorg-13371	302	15	association	association	NOUN
fueconorg-13371	302	16	between	between	ADP
fueconorg-13371	302	17	profitability	profitability	NOUN
fueconorg-13371	302	18	and	and	CCONJ
fueconorg-13371	302	19	reinsurance	reinsurance	NOUN
fueconorg-13371	302	20	ceded	cede	VERB
fueconorg-13371	302	21	in	in	ADP
fueconorg-13371	302	22	life	life	NOUN
fueconorg-13371	302	23	insurance	insurance	NOUN
fueconorg-13371	302	24	companies	company	NOUN
fueconorg-13371	302	25	.	.	PUNCT
fueconorg-13371	303	1	the	the	DET
fueconorg-13371	303	2	positive	positive	ADJ
fueconorg-13371	303	3	correlation	correlation	NOUN
fueconorg-13371	303	4	with	with	ADP
fueconorg-13371	303	5	equity	equity	NOUN
fueconorg-13371	303	6	would	would	AUX
fueconorg-13371	303	7	suggest	suggest	VERB
fueconorg-13371	303	8	that	that	SCONJ
fueconorg-13371	303	9	increased	increase	VERB
fueconorg-13371	303	10	equity	equity	NOUN
fueconorg-13371	303	11	gives	give	VERB
fueconorg-13371	303	12	rise	rise	NOUN
fueconorg-13371	303	13	to	to	ADP
fueconorg-13371	303	14	greater	great	ADJ
fueconorg-13371	303	15	returns	return	NOUN
fueconorg-13371	303	16	which	which	PRON
fueconorg-13371	303	17	is	be	AUX
fueconorg-13371	303	18	consistent	consistent	ADJ
fueconorg-13371	303	19	with	with	ADP
fueconorg-13371	303	20	a	a	DET
fueconorg-13371	303	21	priori	priori	ADJ
fueconorg-13371	303	22	expectations	expectation	NOUN
fueconorg-13371	303	23	,	,	PUNCT
fueconorg-13371	303	24	implying	imply	VERB
fueconorg-13371	303	25	that	that	SCONJ
fueconorg-13371	303	26	companies	company	NOUN
fueconorg-13371	303	27	with	with	ADP
fueconorg-13371	303	28	greater	great	ADJ
fueconorg-13371	303	29	equity	equity	NOUN
fueconorg-13371	303	30	are	be	AUX
fueconorg-13371	303	31	utilizing	utilize	VERB
fueconorg-13371	303	32	it	it	PRON
fueconorg-13371	303	33	efficiently	efficiently	ADV
fueconorg-13371	303	34	to	to	PART
fueconorg-13371	303	35	generate	generate	VERB
fueconorg-13371	303	36	higher	high	ADJ
fueconorg-13371	303	37	returns	return	NOUN
fueconorg-13371	303	38	.	.	PUNCT
fueconorg-13371	304	1	such	such	ADJ
fueconorg-13371	304	2	companies	company	NOUN
fueconorg-13371	304	3	are	be	AUX
fueconorg-13371	304	4	considered	consider	VERB
fueconorg-13371	304	5	creditworthy	creditworthy	ADJ
fueconorg-13371	304	6	due	due	ADP
fueconorg-13371	304	7	to	to	ADP
fueconorg-13371	304	8	their	their	PRON
fueconorg-13371	304	9	ability	ability	NOUN
fueconorg-13371	304	10	to	to	PART
fueconorg-13371	304	11	use	use	VERB
fueconorg-13371	304	12	equity	equity	NOUN
fueconorg-13371	304	13	to	to	PART
fueconorg-13371	304	14	generate	generate	VERB
fueconorg-13371	304	15	profit	profit	NOUN
fueconorg-13371	304	16	.	.	PUNCT
fueconorg-13371	305	1	it	it	PRON
fueconorg-13371	305	2	is	be	AUX
fueconorg-13371	305	3	also	also	ADV
fueconorg-13371	305	4	an	an	DET
fueconorg-13371	305	5	indication	indication	NOUN
fueconorg-13371	305	6	that	that	SCONJ
fueconorg-13371	305	7	they	they	PRON
fueconorg-13371	305	8	are	be	AUX
fueconorg-13371	305	9	striking	strike	VERB
fueconorg-13371	305	10	a	a	DET
fueconorg-13371	305	11	balance	balance	NOUN
fueconorg-13371	305	12	between	between	ADP
fueconorg-13371	305	13	a	a	DET
fueconorg-13371	305	14	strong	strong	ADJ
fueconorg-13371	305	15	capital	capital	NOUN
fueconorg-13371	305	16	base	base	NOUN
fueconorg-13371	305	17	and	and	CCONJ
fueconorg-13371	305	18	profit	profit	NOUN
fueconorg-13371	305	19	maximization	maximization	NOUN
fueconorg-13371	305	20	.	.	PUNCT
fueconorg-13371	306	1	this	this	PRON
fueconorg-13371	306	2	will	will	AUX
fueconorg-13371	306	3	enhance	enhance	VERB
fueconorg-13371	306	4	unhindered	unhindered	ADJ
fueconorg-13371	306	5	entree	entree	NOUN
fueconorg-13371	306	6	to	to	ADP
fueconorg-13371	306	7	the	the	DET
fueconorg-13371	306	8	capital	capital	NOUN
fueconorg-13371	306	9	market	market	NOUN
fueconorg-13371	306	10	and	and	CCONJ
fueconorg-13371	306	11	higher	high	ADJ
fueconorg-13371	306	12	stock	stock	NOUN
fueconorg-13371	306	13	valuations	valuation	NOUN
fueconorg-13371	306	14	.	.	PUNCT
fueconorg-13371	307	1	a	a	DET
fueconorg-13371	307	2	positive	positive	ADJ
fueconorg-13371	307	3	correlation	correlation	NOUN
fueconorg-13371	307	4	between	between	ADP
fueconorg-13371	307	5	reinsurance	reinsurance	NOUN
fueconorg-13371	307	6	ceded	cede	VERB
fueconorg-13371	307	7	and	and	CCONJ
fueconorg-13371	307	8	roe	roe	PROPN
fueconorg-13371	307	9	observed	observe	VERB
fueconorg-13371	307	10	in	in	ADP
fueconorg-13371	307	11	the	the	DET
fueconorg-13371	307	12	non	non	ADJ
fueconorg-13371	307	13	-	-	ADJ
fueconorg-13371	307	14	life	life	ADJ
fueconorg-13371	307	15	segment	segment	NOUN
fueconorg-13371	307	16	,	,	PUNCT
fueconorg-13371	307	17	is	be	AUX
fueconorg-13371	307	18	an	an	DET
fueconorg-13371	307	19	indication	indication	NOUN
fueconorg-13371	307	20	that	that	SCONJ
fueconorg-13371	307	21	reinsurance	reinsurance	NOUN
fueconorg-13371	307	22	is	be	AUX
fueconorg-13371	307	23	effectively	effectively	ADV
fueconorg-13371	307	24	used	use	VERB
fueconorg-13371	307	25	in	in	ADP
fueconorg-13371	307	26	managing	manage	VERB
fueconorg-13371	307	27	risk	risk	NOUN
fueconorg-13371	307	28	and	and	CCONJ
fueconorg-13371	307	29	generating	generate	VERB
fueconorg-13371	307	30	higher	high	ADJ
fueconorg-13371	307	31	profitability	profitability	NOUN
fueconorg-13371	307	32	.	.	PUNCT
fueconorg-13371	308	1	the	the	DET
fueconorg-13371	308	2	utilization	utilization	NOUN
fueconorg-13371	308	3	of	of	ADP
fueconorg-13371	308	4	reinsurance	reinsurance	NOUN
fueconorg-13371	308	5	enables	enable	VERB
fueconorg-13371	308	6	non	non	ADJ
fueconorg-13371	308	7	-	-	ADJ
fueconorg-13371	308	8	life	life	ADJ
fueconorg-13371	308	9	companies	company	NOUN
fueconorg-13371	308	10	to	to	PART
fueconorg-13371	308	11	mitigate	mitigate	VERB
fueconorg-13371	308	12	large	large	ADJ
fueconorg-13371	308	13	losses	loss	NOUN
fueconorg-13371	308	14	,	,	PUNCT
fueconorg-13371	308	15	smooth	smooth	ADJ
fueconorg-13371	308	16	earnings	earning	NOUN
fueconorg-13371	308	17	,	,	PUNCT
fueconorg-13371	308	18	manage	manage	VERB
fueconorg-13371	308	19	volatility	volatility	NOUN
fueconorg-13371	308	20	and	and	CCONJ
fueconorg-13371	308	21	maintain	maintain	VERB
fueconorg-13371	308	22	their	their	PRON
fueconorg-13371	308	23	capital	capital	NOUN
fueconorg-13371	308	24	base	base	NOUN
fueconorg-13371	308	25	,	,	PUNCT
fueconorg-13371	308	26	which	which	PRON
fueconorg-13371	308	27	all	all	PRON
fueconorg-13371	308	28	lead	lead	VERB
fueconorg-13371	308	29	to	to	ADP
fueconorg-13371	308	30	an	an	DET
fueconorg-13371	308	31	increase	increase	NOUN
fueconorg-13371	308	32	in	in	ADP
fueconorg-13371	308	33	profit	profit	NOUN
fueconorg-13371	308	34	.	.	PUNCT
fueconorg-13371	309	1	reinsurance	reinsurance	NOUN
fueconorg-13371	309	2	also	also	ADV
fueconorg-13371	309	3	protects	protect	VERB
fueconorg-13371	309	4	against	against	ADP
fueconorg-13371	309	5	large	large	ADJ
fueconorg-13371	309	6	unexpected	unexpected	ADJ
fueconorg-13371	309	7	losses	loss	NOUN
fueconorg-13371	309	8	which	which	PRON
fueconorg-13371	309	9	ensures	ensure	VERB
fueconorg-13371	309	10	stability	stability	NOUN
fueconorg-13371	309	11	for	for	ADP
fueconorg-13371	309	12	the	the	DET
fueconorg-13371	309	13	insurance	insurance	NOUN
fueconorg-13371	309	14	company	company	NOUN
fueconorg-13371	309	15	.	.	PUNCT
fueconorg-13371	310	1	these	these	DET
fueconorg-13371	310	2	measures	measure	NOUN
fueconorg-13371	310	3	boost	boost	VERB
fueconorg-13371	310	4	investor	investor	NOUN
fueconorg-13371	310	5	confidence	confidence	NOUN
fueconorg-13371	310	6	and	and	CCONJ
fueconorg-13371	310	7	make	make	VERB
fueconorg-13371	310	8	an	an	DET
fueconorg-13371	310	9	insurance	insurance	NOUN
fueconorg-13371	310	10	company	company	NOUN
fueconorg-13371	310	11	more	more	ADV
fueconorg-13371	310	12	attractive	attractive	ADJ
fueconorg-13371	310	13	to	to	ADP
fueconorg-13371	310	14	investors	investor	NOUN
fueconorg-13371	310	15	.	.	PUNCT
fueconorg-13371	311	1	the	the	DET
fueconorg-13371	311	2	insurance	insurance	NOUN
fueconorg-13371	311	3	business	business	NOUN
fueconorg-13371	311	4	mix	mix	NOUN
fueconorg-13371	311	5	used	use	VERB
fueconorg-13371	311	6	in	in	ADP
fueconorg-13371	311	7	this	this	DET
fueconorg-13371	311	8	study	study	NOUN
fueconorg-13371	311	9	are	be	AUX
fueconorg-13371	311	10	:	:	PUNCT
fueconorg-13371	311	11	fire	fire	NOUN
fueconorg-13371	311	12	and	and	CCONJ
fueconorg-13371	311	13	property	property	NOUN
fueconorg-13371	311	14	damage	damage	NOUN
fueconorg-13371	311	15	insurance	insurance	NOUN
fueconorg-13371	311	16	,	,	PUNCT
fueconorg-13371	311	17	motor	motor	NOUN
fueconorg-13371	311	18	insurance	insurance	NOUN
fueconorg-13371	311	19	,	,	PUNCT
fueconorg-13371	311	20	marine	marine	NOUN
fueconorg-13371	311	21	and	and	CCONJ
fueconorg-13371	311	22	aviation	aviation	NOUN
fueconorg-13371	311	23	insurance	insurance	NOUN
fueconorg-13371	311	24	and	and	CCONJ
fueconorg-13371	311	25	oil	oil	NOUN
fueconorg-13371	311	26	and	and	CCONJ
fueconorg-13371	311	27	gas	gas	NOUN
fueconorg-13371	311	28	insurance	insurance	NOUN
fueconorg-13371	311	29	.	.	PUNCT
fueconorg-13371	312	1	they	they	PRON
fueconorg-13371	312	2	are	be	AUX
fueconorg-13371	312	3	mostly	mostly	ADV
fueconorg-13371	312	4	negatively	negatively	ADV
fueconorg-13371	312	5	related	relate	VERB
fueconorg-13371	312	6	with	with	ADP
fueconorg-13371	312	7	equity	equity	NOUN
fueconorg-13371	312	8	.	.	PUNCT
fueconorg-13371	313	1	the	the	DET
fueconorg-13371	313	2	negative	negative	ADJ
fueconorg-13371	313	3	correlation	correlation	NOUN
fueconorg-13371	313	4	is	be	AUX
fueconorg-13371	313	5	an	an	DET
fueconorg-13371	313	6	indication	indication	NOUN
fueconorg-13371	313	7	that	that	SCONJ
fueconorg-13371	313	8	an	an	DET
fueconorg-13371	313	9	increase	increase	NOUN
fueconorg-13371	313	10	in	in	ADP
fueconorg-13371	313	11	business	business	NOUN
fueconorg-13371	313	12	concentration	concentration	NOUN
fueconorg-13371	313	13	in	in	ADP
fueconorg-13371	313	14	the	the	DET
fueconorg-13371	313	15	specific	specific	ADJ
fueconorg-13371	313	16	class	class	NOUN
fueconorg-13371	313	17	of	of	ADP
fueconorg-13371	313	18	business	business	NOUN
fueconorg-13371	313	19	is	be	AUX
fueconorg-13371	313	20	associated	associate	VERB
fueconorg-13371	313	21	with	with	ADP
fueconorg-13371	313	22	reduced	reduced	ADJ
fueconorg-13371	313	23	equity	equity	NOUN
fueconorg-13371	313	24	.	.	PUNCT
fueconorg-13371	314	1	this	this	PRON
fueconorg-13371	314	2	was	be	AUX
fueconorg-13371	314	3	exemplified	exemplify	VERB
fueconorg-13371	314	4	in	in	ADP
fueconorg-13371	314	5	fire	fire	NOUN
fueconorg-13371	314	6	and	and	CCONJ
fueconorg-13371	314	7	property	property	NOUN
fueconorg-13371	314	8	damage	damage	NOUN
fueconorg-13371	314	9	,	,	PUNCT
fueconorg-13371	314	10	motor	motor	NOUN
fueconorg-13371	314	11	insurance	insurance	NOUN
fueconorg-13371	314	12	and	and	CCONJ
fueconorg-13371	314	13	oil	oil	NOUN
fueconorg-13371	314	14	and	and	CCONJ
fueconorg-13371	314	15	gas	gas	NOUN
fueconorg-13371	314	16	insurance	insurance	NOUN
fueconorg-13371	314	17	,	,	PUNCT
fueconorg-13371	314	18	which	which	PRON
fueconorg-13371	314	19	had	have	VERB
fueconorg-13371	314	20	negative	negative	ADJ
fueconorg-13371	314	21	correlations	correlation	NOUN
fueconorg-13371	314	22	with	with	ADP
fueconorg-13371	314	23	equity	equity	NOUN
fueconorg-13371	314	24	and	and	CCONJ
fueconorg-13371	314	25	are	be	AUX
fueconorg-13371	314	26	high	high	ADJ
fueconorg-13371	314	27	-	-	PUNCT
fueconorg-13371	314	28	risk	risk	NOUN
fueconorg-13371	314	29	insurances	insurance	NOUN
fueconorg-13371	314	30	capable	capable	ADJ
fueconorg-13371	314	31	of	of	ADP
fueconorg-13371	314	32	resulting	result	VERB
fueconorg-13371	314	33	in	in	ADP
fueconorg-13371	314	34	high	high	ADJ
fueconorg-13371	314	35	claims	claim	NOUN
fueconorg-13371	314	36	and	and	CCONJ
fueconorg-13371	314	37	high	high	ADJ
fueconorg-13371	314	38	loss	loss	NOUN
fueconorg-13371	314	39	volatility	volatility	NOUN
fueconorg-13371	314	40	for	for	ADP
fueconorg-13371	314	41	the	the	DET
fueconorg-13371	314	42	insurer	insurer	NOUN
fueconorg-13371	314	43	.	.	PUNCT
fueconorg-13371	315	1	a	a	DET
fueconorg-13371	315	2	stable	stable	ADJ
fueconorg-13371	315	3	and	and	CCONJ
fueconorg-13371	315	4	profitable	profitable	ADJ
fueconorg-13371	315	5	concentration	concentration	NOUN
fueconorg-13371	315	6	of	of	ADP
fueconorg-13371	315	7	risk	risk	NOUN
fueconorg-13371	315	8	can	can	AUX
fueconorg-13371	315	9	attract	attract	VERB
fueconorg-13371	315	10	entities	entity	NOUN
fueconorg-13371	315	11	willing	willing	ADJ
fueconorg-13371	315	12	to	to	PART
fueconorg-13371	315	13	invest	invest	VERB
fueconorg-13371	315	14	and	and	CCONJ
fueconorg-13371	315	15	build	build	VERB
fueconorg-13371	315	16	the	the	DET
fueconorg-13371	315	17	financial	financial	ADJ
fueconorg-13371	315	18	worth	worth	NOUN
fueconorg-13371	315	19	of	of	ADP
fueconorg-13371	315	20	the	the	DET
fueconorg-13371	315	21	insurer	insurer	NOUN
fueconorg-13371	315	22	.	.	PUNCT
fueconorg-13371	316	1	mayers	mayers	PROPN
fueconorg-13371	316	2	and	and	CCONJ
fueconorg-13371	316	3	smith	smith	PROPN
fueconorg-13371	316	4	(	(	PUNCT
fueconorg-13371	316	5	1990	1990	NUM
fueconorg-13371	316	6	)	)	PUNCT
fueconorg-13371	316	7	hold	hold	VERB
fueconorg-13371	316	8	that	that	PRON
fueconorg-13371	316	9	increased	increase	VERB
fueconorg-13371	316	10	business	business	NOUN
fueconorg-13371	316	11	mix	mix	NOUN
fueconorg-13371	316	12	by	by	ADP
fueconorg-13371	316	13	insurers	insurer	NOUN
fueconorg-13371	316	14	can	can	AUX
fueconorg-13371	316	15	create	create	VERB
fueconorg-13371	316	16	an	an	DET
fueconorg-13371	316	17	upsurge	upsurge	NOUN
fueconorg-13371	316	18	in	in	ADP
fueconorg-13371	316	19	the	the	DET
fueconorg-13371	316	20	volatility	volatility	NOUN
fueconorg-13371	316	21	of	of	ADP
fueconorg-13371	316	22	their	their	PRON
fueconorg-13371	316	23	cash	cash	NOUN
fueconorg-13371	316	24	flows	flow	NOUN
fueconorg-13371	316	25	and	and	CCONJ
fueconorg-13371	316	26	increase	increase	VERB
fueconorg-13371	316	27	the	the	DET
fueconorg-13371	316	28	risk	risk	NOUN
fueconorg-13371	316	29	of	of	ADP
fueconorg-13371	316	30	bankruptcy	bankruptcy	NOUN
fueconorg-13371	316	31	.	.	PUNCT
fueconorg-13371	317	1	this	this	DET
fueconorg-13371	317	2	thought	thought	NOUN
fueconorg-13371	317	3	is	be	AUX
fueconorg-13371	317	4	shared	share	VERB
fueconorg-13371	317	5	by	by	ADP
fueconorg-13371	317	6	wosti	wosti	PROPN
fueconorg-13371	317	7	and	and	CCONJ
fueconorg-13371	317	8	pradhan	pradhan	PROPN
fueconorg-13371	317	9	(	(	PUNCT
fueconorg-13371	317	10	2023	2023	NUM
fueconorg-13371	317	11	)	)	PUNCT
fueconorg-13371	317	12	as	as	ADV
fueconorg-13371	317	13	well	well	ADV
fueconorg-13371	317	14	as	as	ADP
fueconorg-13371	317	15	soye	soye	NOUN
fueconorg-13371	317	16	,	,	PUNCT
fueconorg-13371	317	17	et	et	PROPN
fueconorg-13371	317	18	al	al	PROPN
fueconorg-13371	317	19	.	.	PROPN
fueconorg-13371	317	20	,	,	PUNCT
fueconorg-13371	317	21	(	(	PUNCT
fueconorg-13371	317	22	2022	2022	NUM
fueconorg-13371	317	23	)	)	PUNCT
fueconorg-13371	317	24	.	.	PUNCT
fueconorg-13371	318	1	thus	thus	ADV
fueconorg-13371	318	2	reinsurance	reinsurance	NOUN
fueconorg-13371	318	3	serves	serve	VERB
fueconorg-13371	318	4	as	as	ADP
fueconorg-13371	318	5	a	a	DET
fueconorg-13371	318	6	cushion	cushion	NOUN
fueconorg-13371	318	7	to	to	PART
fueconorg-13371	318	8	guard	guard	VERB
fueconorg-13371	318	9	against	against	ADP
fueconorg-13371	318	10	this	this	DET
fueconorg-13371	318	11	risk	risk	NOUN
fueconorg-13371	318	12	.	.	PUNCT
fueconorg-13371	319	1	it	it	PRON
fueconorg-13371	319	2	has	have	AUX
fueconorg-13371	319	3	also	also	ADV
fueconorg-13371	319	4	been	be	AUX
fueconorg-13371	319	5	observed	observe	VERB
fueconorg-13371	319	6	by	by	ADP
fueconorg-13371	319	7	mankai	mankai	NOUN
fueconorg-13371	319	8	and	and	CCONJ
fueconorg-13371	319	9	belgacem	belgacem	NOUN
fueconorg-13371	319	10	(	(	PUNCT
fueconorg-13371	319	11	2016	2016	NUM
fueconorg-13371	319	12	)	)	PUNCT
fueconorg-13371	319	13	the	the	DET
fueconorg-13371	319	14	nigerian	nigerian	ADJ
fueconorg-13371	319	15	financial	financial	ADJ
fueconorg-13371	319	16	system	system	NOUN
fueconorg-13371	319	17	:	:	PUNCT
fueconorg-13371	319	18	the	the	DET
fueconorg-13371	319	19	nexus	nexus	NOUN
fueconorg-13371	319	20	between	between	ADP
fueconorg-13371	319	21	reinsurance	reinsurance	NOUN
fueconorg-13371	319	22	ceded	cede	VERB
fueconorg-13371	319	23	and	and	CCONJ
fueconorg-13371	319	24	equity	equity	NOUN
fueconorg-13371	319	25	financing	financing	NOUN
fueconorg-13371	319	26	in	in	ADP
fueconorg-13371	319	27	the	the	DET
fueconorg-13371	319	28	...	...	PUNCT
fueconorg-13371	319	29	115	115	NUM
fueconorg-13371	319	30	that	that	ADV
fueconorg-13371	319	31	inasmuch	inasmuch	ADJ
fueconorg-13371	319	32	as	as	SCONJ
fueconorg-13371	319	33	reinsurance	reinsurance	NOUN
fueconorg-13371	319	34	can	can	AUX
fueconorg-13371	319	35	shield	shield	VERB
fueconorg-13371	319	36	the	the	DET
fueconorg-13371	319	37	insurer	insurer	NOUN
fueconorg-13371	319	38	from	from	ADP
fueconorg-13371	319	39	the	the	DET
fueconorg-13371	319	40	risk	risk	NOUN
fueconorg-13371	319	41	associated	associate	VERB
fueconorg-13371	319	42	with	with	ADP
fueconorg-13371	319	43	insolvency	insolvency	NOUN
fueconorg-13371	319	44	arising	arise	VERB
fueconorg-13371	319	45	from	from	ADP
fueconorg-13371	319	46	an	an	DET
fueconorg-13371	319	47	increase	increase	NOUN
fueconorg-13371	319	48	in	in	ADP
fueconorg-13371	319	49	its	its	PRON
fueconorg-13371	319	50	business	business	NOUN
fueconorg-13371	319	51	mix	mix	NOUN
fueconorg-13371	319	52	,	,	PUNCT
fueconorg-13371	319	53	the	the	DET
fueconorg-13371	319	54	economic	economic	ADJ
fueconorg-13371	319	55	benefits	benefit	NOUN
fueconorg-13371	319	56	of	of	ADP
fueconorg-13371	319	57	specialization	specialization	NOUN
fueconorg-13371	319	58	in	in	ADP
fueconorg-13371	319	59	each	each	DET
fueconorg-13371	319	60	business	business	NOUN
fueconorg-13371	319	61	mix	mix	NOUN
fueconorg-13371	319	62	category	category	NOUN
fueconorg-13371	319	63	can	can	AUX
fueconorg-13371	319	64	lessen	lessen	VERB
fueconorg-13371	319	65	their	their	PRON
fueconorg-13371	319	66	need	need	NOUN
fueconorg-13371	319	67	for	for	ADP
fueconorg-13371	319	68	reinsurance	reinsurance	NOUN
fueconorg-13371	319	69	.	.	PUNCT
fueconorg-13371	320	1	the	the	DET
fueconorg-13371	320	2	findings	finding	NOUN
fueconorg-13371	320	3	align	align	VERB
fueconorg-13371	320	4	with	with	ADP
fueconorg-13371	320	5	the	the	DET
fueconorg-13371	320	6	works	work	NOUN
fueconorg-13371	320	7	of	of	ADP
fueconorg-13371	320	8	cedar	cedar	NOUN
fueconorg-13371	320	9	and	and	CCONJ
fueconorg-13371	320	10	thompson	thompson	PROPN
fueconorg-13371	320	11	(	(	PUNCT
fueconorg-13371	320	12	2020	2020	NUM
fueconorg-13371	320	13	)	)	PUNCT
fueconorg-13371	320	14	who	who	PRON
fueconorg-13371	320	15	consider	consider	VERB
fueconorg-13371	320	16	reinsurance	reinsurance	NOUN
fueconorg-13371	320	17	as	as	ADP
fueconorg-13371	320	18	a	a	DET
fueconorg-13371	320	19	signal	signal	NOUN
fueconorg-13371	320	20	of	of	ADP
fueconorg-13371	320	21	potential	potential	ADJ
fueconorg-13371	320	22	capital	capital	NOUN
fueconorg-13371	320	23	inadequacy	inadequacy	NOUN
fueconorg-13371	320	24	.	.	PUNCT
fueconorg-13371	321	1	the	the	DET
fueconorg-13371	321	2	authors	author	NOUN
fueconorg-13371	321	3	maintain	maintain	VERB
fueconorg-13371	321	4	that	that	SCONJ
fueconorg-13371	321	5	the	the	DET
fueconorg-13371	321	6	quality	quality	NOUN
fueconorg-13371	321	7	and	and	CCONJ
fueconorg-13371	321	8	extent	extent	NOUN
fueconorg-13371	321	9	of	of	ADP
fueconorg-13371	321	10	reinsurance	reinsurance	NOUN
fueconorg-13371	321	11	used	use	VERB
fueconorg-13371	321	12	by	by	ADP
fueconorg-13371	321	13	lesscapitalized	lesscapitalized	ADJ
fueconorg-13371	321	14	firms	firm	NOUN
fueconorg-13371	321	15	can	can	AUX
fueconorg-13371	321	16	be	be	AUX
fueconorg-13371	321	17	a	a	DET
fueconorg-13371	321	18	mask	mask	NOUN
fueconorg-13371	321	19	to	to	ADP
fueconorg-13371	321	20	underlying	underlie	VERB
fueconorg-13371	321	21	solvency	solvency	NOUN
fueconorg-13371	321	22	issues	issue	NOUN
fueconorg-13371	321	23	.	.	PUNCT
fueconorg-13371	322	1	similarly	similarly	ADV
fueconorg-13371	322	2	,	,	PUNCT
fueconorg-13371	322	3	kocurek	kocurek	NOUN
fueconorg-13371	322	4	(	(	PUNCT
fueconorg-13371	322	5	2024	2024	NUM
fueconorg-13371	322	6	)	)	PUNCT
fueconorg-13371	322	7	opines	opine	VERB
fueconorg-13371	322	8	that	that	SCONJ
fueconorg-13371	322	9	while	while	SCONJ
fueconorg-13371	322	10	reinsurance	reinsurance	NOUN
fueconorg-13371	322	11	serves	serve	VERB
fueconorg-13371	322	12	as	as	ADP
fueconorg-13371	322	13	a	a	DET
fueconorg-13371	322	14	good	good	ADJ
fueconorg-13371	322	15	risk	risk	NOUN
fueconorg-13371	322	16	mitigating	mitigate	VERB
fueconorg-13371	322	17	tool	tool	NOUN
fueconorg-13371	322	18	,	,	PUNCT
fueconorg-13371	322	19	excessive	excessive	ADJ
fueconorg-13371	322	20	reliance	reliance	NOUN
fueconorg-13371	322	21	may	may	AUX
fueconorg-13371	322	22	expose	expose	VERB
fueconorg-13371	322	23	insurers	insurer	NOUN
fueconorg-13371	322	24	to	to	ADP
fueconorg-13371	322	25	counterparty	counterparty	NOUN
fueconorg-13371	322	26	risk	risk	NOUN
fueconorg-13371	322	27	,	,	PUNCT
fueconorg-13371	322	28	misaligned	misaligned	ADJ
fueconorg-13371	322	29	incentives	incentive	NOUN
fueconorg-13371	322	30	or	or	CCONJ
fueconorg-13371	322	31	regulatory	regulatory	ADJ
fueconorg-13371	322	32	arbitrage	arbitrage	NOUN
fueconorg-13371	322	33	where	where	SCONJ
fueconorg-13371	322	34	risk	risk	NOUN
fueconorg-13371	322	35	is	be	AUX
fueconorg-13371	322	36	ceded	cede	VERB
fueconorg-13371	322	37	majorly	majorly	ADV
fueconorg-13371	322	38	as	as	ADP
fueconorg-13371	322	39	a	a	DET
fueconorg-13371	322	40	regulatory	regulatory	ADJ
fueconorg-13371	322	41	requirement	requirement	NOUN
fueconorg-13371	322	42	rather	rather	ADV
fueconorg-13371	322	43	than	than	ADP
fueconorg-13371	322	44	a	a	DET
fueconorg-13371	322	45	risk	risk	NOUN
fueconorg-13371	322	46	management	management	NOUN
fueconorg-13371	322	47	device	device	NOUN
fueconorg-13371	322	48	.	.	PUNCT
fueconorg-13371	323	1	4.6	4.6	NUM
fueconorg-13371	323	2	.	.	PUNCT
fueconorg-13371	324	1	policy	policy	NOUN
fueconorg-13371	324	2	implication	implication	NOUN
fueconorg-13371	324	3	an	an	DET
fueconorg-13371	324	4	understanding	understanding	NOUN
fueconorg-13371	324	5	of	of	ADP
fueconorg-13371	324	6	the	the	DET
fueconorg-13371	324	7	relationship	relationship	NOUN
fueconorg-13371	324	8	between	between	ADP
fueconorg-13371	324	9	reinsurance	reinsurance	NOUN
fueconorg-13371	324	10	ceded	cede	VERB
fueconorg-13371	324	11	and	and	CCONJ
fueconorg-13371	324	12	equity	equity	NOUN
fueconorg-13371	324	13	enables	enable	VERB
fueconorg-13371	324	14	policymakers	policymaker	NOUN
fueconorg-13371	324	15	to	to	PART
fueconorg-13371	324	16	enforce	enforce	VERB
fueconorg-13371	324	17	the	the	DET
fueconorg-13371	324	18	optimization	optimization	NOUN
fueconorg-13371	324	19	of	of	ADP
fueconorg-13371	324	20	the	the	DET
fueconorg-13371	324	21	insurers	insurer	NOUN
fueconorg-13371	324	22	’	’	PART
fueconorg-13371	324	23	capital	capital	NOUN
fueconorg-13371	324	24	allocation	allocation	NOUN
fueconorg-13371	324	25	by	by	ADP
fueconorg-13371	324	26	allocating	allocate	VERB
fueconorg-13371	324	27	more	more	ADJ
fueconorg-13371	324	28	capital	capital	NOUN
fueconorg-13371	324	29	to	to	ADP
fueconorg-13371	324	30	high	high	ADJ
fueconorg-13371	324	31	-	-	PUNCT
fueconorg-13371	324	32	risk	risk	NOUN
fueconorg-13371	324	33	lines	line	NOUN
fueconorg-13371	324	34	of	of	ADP
fueconorg-13371	324	35	business	business	NOUN
fueconorg-13371	324	36	while	while	SCONJ
fueconorg-13371	324	37	at	at	ADP
fueconorg-13371	324	38	the	the	DET
fueconorg-13371	324	39	same	same	ADJ
fueconorg-13371	324	40	time	time	NOUN
fueconorg-13371	324	41	using	use	VERB
fueconorg-13371	324	42	reinsurance	reinsurance	NOUN
fueconorg-13371	324	43	to	to	PART
fueconorg-13371	324	44	manage	manage	VERB
fueconorg-13371	324	45	the	the	DET
fueconorg-13371	324	46	risks	risk	NOUN
fueconorg-13371	324	47	effectively	effectively	ADV
fueconorg-13371	324	48	.	.	PUNCT
fueconorg-13371	325	1	it	it	PRON
fueconorg-13371	325	2	also	also	ADV
fueconorg-13371	325	3	helps	help	VERB
fueconorg-13371	325	4	in	in	ADP
fueconorg-13371	325	5	strategic	strategic	ADJ
fueconorg-13371	325	6	decision	decision	NOUN
fueconorg-13371	325	7	-	-	PUNCT
fueconorg-13371	325	8	making	making	NOUN
fueconorg-13371	325	9	whereby	whereby	SCONJ
fueconorg-13371	325	10	the	the	DET
fueconorg-13371	325	11	insurer	insurer	NOUN
fueconorg-13371	325	12	can	can	AUX
fueconorg-13371	325	13	decide	decide	VERB
fueconorg-13371	325	14	to	to	PART
fueconorg-13371	325	15	expand	expand	VERB
fueconorg-13371	325	16	business	business	NOUN
fueconorg-13371	325	17	lines	line	NOUN
fueconorg-13371	325	18	with	with	ADP
fueconorg-13371	325	19	positive	positive	ADJ
fueconorg-13371	325	20	correlations	correlation	NOUN
fueconorg-13371	325	21	with	with	ADP
fueconorg-13371	325	22	equity	equity	NOUN
fueconorg-13371	325	23	since	since	SCONJ
fueconorg-13371	325	24	they	they	PRON
fueconorg-13371	325	25	contribute	contribute	VERB
fueconorg-13371	325	26	a	a	DET
fueconorg-13371	325	27	stronger	strong	ADJ
fueconorg-13371	325	28	capital	capital	NOUN
fueconorg-13371	325	29	base	base	NOUN
fueconorg-13371	325	30	.	.	PUNCT
fueconorg-13371	326	1	similarly	similarly	ADV
fueconorg-13371	326	2	,	,	PUNCT
fueconorg-13371	326	3	the	the	DET
fueconorg-13371	326	4	knowledge	knowledge	NOUN
fueconorg-13371	326	5	of	of	ADP
fueconorg-13371	326	6	which	which	DET
fueconorg-13371	326	7	line	line	NOUN
fueconorg-13371	326	8	of	of	ADP
fueconorg-13371	326	9	business	business	NOUN
fueconorg-13371	326	10	requires	require	VERB
fueconorg-13371	326	11	more	more	ADJ
fueconorg-13371	326	12	reinsurance	reinsurance	NOUN
fueconorg-13371	326	13	can	can	AUX
fueconorg-13371	326	14	aid	aid	VERB
fueconorg-13371	326	15	the	the	DET
fueconorg-13371	326	16	insurer	insurer	NOUN
fueconorg-13371	326	17	in	in	ADP
fueconorg-13371	326	18	negotiating	negotiate	VERB
fueconorg-13371	326	19	for	for	ADP
fueconorg-13371	326	20	more	more	ADV
fueconorg-13371	326	21	favourable	favourable	ADJ
fueconorg-13371	326	22	terms	term	NOUN
fueconorg-13371	326	23	with	with	ADP
fueconorg-13371	326	24	their	their	PRON
fueconorg-13371	326	25	reinsurers	reinsurer	NOUN
fueconorg-13371	326	26	and	and	CCONJ
fueconorg-13371	326	27	align	align	VERB
fueconorg-13371	326	28	their	their	PRON
fueconorg-13371	326	29	reinsurance	reinsurance	NOUN
fueconorg-13371	326	30	programs	program	NOUN
fueconorg-13371	326	31	to	to	PART
fueconorg-13371	326	32	match	match	VERB
fueconorg-13371	326	33	their	their	PRON
fueconorg-13371	326	34	risk	risk	NOUN
fueconorg-13371	326	35	profiles	profile	NOUN
fueconorg-13371	326	36	.	.	PUNCT
fueconorg-13371	327	1	the	the	DET
fueconorg-13371	327	2	knowledge	knowledge	NOUN
fueconorg-13371	327	3	of	of	ADP
fueconorg-13371	327	4	negative	negative	ADJ
fueconorg-13371	327	5	correlations	correlation	NOUN
fueconorg-13371	327	6	with	with	ADP
fueconorg-13371	327	7	reinsurance	reinsurance	NOUN
fueconorg-13371	327	8	would	would	AUX
fueconorg-13371	327	9	enable	enable	VERB
fueconorg-13371	327	10	the	the	DET
fueconorg-13371	327	11	insurer	insurer	NOUN
fueconorg-13371	327	12	to	to	PART
fueconorg-13371	327	13	balance	balance	VERB
fueconorg-13371	327	14	the	the	DET
fueconorg-13371	327	15	cost	cost	NOUN
fueconorg-13371	327	16	savings	saving	NOUN
fueconorg-13371	327	17	of	of	ADP
fueconorg-13371	327	18	lower	low	ADJ
fueconorg-13371	327	19	insurance	insurance	NOUN
fueconorg-13371	327	20	utilization	utilization	NOUN
fueconorg-13371	327	21	with	with	ADP
fueconorg-13371	327	22	potentially	potentially	ADV
fueconorg-13371	327	23	increased	increase	VERB
fueconorg-13371	327	24	risk	risk	NOUN
fueconorg-13371	327	25	.	.	PUNCT
fueconorg-13371	328	1	complying	comply	VERB
fueconorg-13371	328	2	with	with	ADP
fueconorg-13371	328	3	this	this	DET
fueconorg-13371	328	4	regulatory	regulatory	ADJ
fueconorg-13371	328	5	requirement	requirement	NOUN
fueconorg-13371	328	6	would	would	AUX
fueconorg-13371	328	7	increase	increase	VERB
fueconorg-13371	328	8	the	the	DET
fueconorg-13371	328	9	insurer	insurer	NOUN
fueconorg-13371	328	10	’s	’s	PART
fueconorg-13371	328	11	competitive	competitive	ADJ
fueconorg-13371	328	12	advantage	advantage	NOUN
fueconorg-13371	328	13	,	,	PUNCT
fueconorg-13371	328	14	maintain	maintain	VERB
fueconorg-13371	328	15	market	market	NOUN
fueconorg-13371	328	16	stability	stability	NOUN
fueconorg-13371	328	17	and	and	CCONJ
fueconorg-13371	328	18	improve	improve	VERB
fueconorg-13371	328	19	regulatory	regulatory	ADJ
fueconorg-13371	328	20	oversight	oversight	NOUN
fueconorg-13371	328	21	.	.	PUNCT
fueconorg-13371	329	1	moreover	moreover	ADV
fueconorg-13371	329	2	,	,	PUNCT
fueconorg-13371	329	3	by	by	ADP
fueconorg-13371	329	4	this	this	DET
fueconorg-13371	329	5	measure	measure	NOUN
fueconorg-13371	329	6	,	,	PUNCT
fueconorg-13371	329	7	policymakers	policymaker	NOUN
fueconorg-13371	329	8	and	and	CCONJ
fueconorg-13371	329	9	regulators	regulator	NOUN
fueconorg-13371	329	10	can	can	AUX
fueconorg-13371	329	11	build	build	VERB
fueconorg-13371	329	12	a	a	DET
fueconorg-13371	329	13	more	more	ADV
fueconorg-13371	329	14	robust	robust	ADJ
fueconorg-13371	329	15	and	and	CCONJ
fueconorg-13371	329	16	reliant	reliant	ADJ
fueconorg-13371	329	17	non	non	ADJ
fueconorg-13371	329	18	-	-	ADJ
fueconorg-13371	329	19	life	life	ADJ
fueconorg-13371	329	20	insurance	insurance	NOUN
fueconorg-13371	329	21	arm	arm	NOUN
fueconorg-13371	329	22	of	of	ADP
fueconorg-13371	329	23	the	the	DET
fueconorg-13371	329	24	industry	industry	NOUN
fueconorg-13371	329	25	that	that	PRON
fueconorg-13371	329	26	can	can	AUX
fueconorg-13371	329	27	succinctly	succinctly	ADV
fueconorg-13371	329	28	fulfill	fulfill	VERB
fueconorg-13371	329	29	its	its	PRON
fueconorg-13371	329	30	long	long	ADJ
fueconorg-13371	329	31	-	-	PUNCT
fueconorg-13371	329	32	term	term	NOUN
fueconorg-13371	329	33	obligations	obligation	NOUN
fueconorg-13371	329	34	to	to	ADP
fueconorg-13371	329	35	policyholders	policyholder	NOUN
fueconorg-13371	329	36	while	while	SCONJ
fueconorg-13371	329	37	still	still	ADV
fueconorg-13371	329	38	maintaining	maintain	VERB
fueconorg-13371	329	39	solvency	solvency	NOUN
fueconorg-13371	329	40	.	.	PUNCT
fueconorg-13371	330	1	to	to	PART
fueconorg-13371	330	2	guard	guard	VERB
fueconorg-13371	330	3	against	against	ADP
fueconorg-13371	330	4	an	an	DET
fueconorg-13371	330	5	over	over	ADJ
fueconorg-13371	330	6	reliance	reliance	NOUN
fueconorg-13371	330	7	on	on	ADP
fueconorg-13371	330	8	reinsurance	reinsurance	NOUN
fueconorg-13371	330	9	,	,	PUNCT
fueconorg-13371	330	10	risk	risk	NOUN
fueconorg-13371	330	11	based	base	VERB
fueconorg-13371	330	12	capital	capital	NOUN
fueconorg-13371	330	13	frameworks	framework	NOUN
fueconorg-13371	330	14	such	such	ADJ
fueconorg-13371	330	15	as	as	ADP
fueconorg-13371	330	16	solvency	solvency	NOUN
fueconorg-13371	330	17	ii	ii	NOUN
fueconorg-13371	330	18	and	and	CCONJ
fueconorg-13371	330	19	other	other	ADJ
fueconorg-13371	330	20	risk	risk	NOUN
fueconorg-13371	330	21	based	base	VERB
fueconorg-13371	330	22	capital	capital	NOUN
fueconorg-13371	330	23	models	model	NOUN
fueconorg-13371	330	24	can	can	AUX
fueconorg-13371	330	25	be	be	AUX
fueconorg-13371	330	26	utilized	utilize	VERB
fueconorg-13371	330	27	to	to	PART
fueconorg-13371	330	28	set	set	VERB
fueconorg-13371	330	29	prudent	prudent	ADJ
fueconorg-13371	330	30	limits	limit	NOUN
fueconorg-13371	330	31	on	on	ADP
fueconorg-13371	330	32	reinsurance	reinsurance	NOUN
fueconorg-13371	330	33	cessions	cession	NOUN
fueconorg-13371	330	34	relative	relative	ADJ
fueconorg-13371	330	35	to	to	ADP
fueconorg-13371	330	36	equity	equity	NOUN
fueconorg-13371	330	37	levels	level	NOUN
fueconorg-13371	330	38	.	.	PUNCT
fueconorg-13371	331	1	where	where	SCONJ
fueconorg-13371	331	2	undercapitalized	undercapitalized	ADJ
fueconorg-13371	331	3	insurers	insurer	NOUN
fueconorg-13371	331	4	substitute	substitute	VERB
fueconorg-13371	331	5	reinsurance	reinsurance	NOUN
fueconorg-13371	331	6	for	for	ADP
fueconorg-13371	331	7	internal	internal	ADJ
fueconorg-13371	331	8	capital	capital	NOUN
fueconorg-13371	331	9	,	,	PUNCT
fueconorg-13371	331	10	there	there	PRON
fueconorg-13371	331	11	should	should	AUX
fueconorg-13371	331	12	be	be	AUX
fueconorg-13371	331	13	transparency	transparency	NOUN
fueconorg-13371	331	14	in	in	ADP
fueconorg-13371	331	15	the	the	DET
fueconorg-13371	331	16	extent	extent	NOUN
fueconorg-13371	331	17	and	and	CCONJ
fueconorg-13371	331	18	nature	nature	NOUN
fueconorg-13371	331	19	of	of	ADP
fueconorg-13371	331	20	reinsurance	reinsurance	NOUN
fueconorg-13371	331	21	arrangements	arrangement	NOUN
fueconorg-13371	331	22	.	.	PUNCT
fueconorg-13371	332	1	when	when	SCONJ
fueconorg-13371	332	2	policymakers	policymaker	NOUN
fueconorg-13371	332	3	demand	demand	VERB
fueconorg-13371	332	4	transparent	transparent	ADJ
fueconorg-13371	332	5	reinsurance	reinsurance	NOUN
fueconorg-13371	332	6	reporting	reporting	NOUN
fueconorg-13371	332	7	standards	standard	NOUN
fueconorg-13371	332	8	,	,	PUNCT
fueconorg-13371	332	9	it	it	PRON
fueconorg-13371	332	10	will	will	AUX
fueconorg-13371	332	11	enhance	enhance	VERB
fueconorg-13371	332	12	a	a	DET
fueconorg-13371	332	13	better	well	ADJ
fueconorg-13371	332	14	assessment	assessment	NOUN
fueconorg-13371	332	15	of	of	ADP
fueconorg-13371	332	16	insurance	insurance	NOUN
fueconorg-13371	332	17	risk	risk	NOUN
fueconorg-13371	332	18	profiles	profile	NOUN
fueconorg-13371	332	19	and	and	CCONJ
fueconorg-13371	332	20	promote	promote	VERB
fueconorg-13371	332	21	market	market	NOUN
fueconorg-13371	332	22	discipline	discipline	NOUN
fueconorg-13371	332	23	.	.	PUNCT
fueconorg-13371	333	1	additionally	additionally	ADV
fueconorg-13371	333	2	,	,	PUNCT
fueconorg-13371	333	3	as	as	SCONJ
fueconorg-13371	333	4	excessive	excessive	ADJ
fueconorg-13371	333	5	reliance	reliance	NOUN
fueconorg-13371	333	6	on	on	ADP
fueconorg-13371	333	7	reinsurance	reinsurance	NOUN
fueconorg-13371	333	8	may	may	AUX
fueconorg-13371	333	9	receive	receive	VERB
fueconorg-13371	333	10	a	a	DET
fueconorg-13371	333	11	negative	negative	ADJ
fueconorg-13371	333	12	perception	perception	NOUN
fueconorg-13371	333	13	by	by	ADP
fueconorg-13371	333	14	rating	rating	NOUN
fueconorg-13371	333	15	agencies	agency	NOUN
fueconorg-13371	333	16	,	,	PUNCT
fueconorg-13371	333	17	as	as	SCONJ
fueconorg-13371	333	18	a	a	DET
fueconorg-13371	333	19	signal	signal	NOUN
fueconorg-13371	333	20	of	of	ADP
fueconorg-13371	333	21	financial	financial	ADJ
fueconorg-13371	333	22	fragility	fragility	NOUN
fueconorg-13371	333	23	,	,	PUNCT
fueconorg-13371	333	24	risk	risk	NOUN
fueconorg-13371	333	25	managers	manager	NOUN
fueconorg-13371	333	26	and	and	CCONJ
fueconorg-13371	333	27	financial	financial	ADJ
fueconorg-13371	333	28	officers	officer	NOUN
fueconorg-13371	333	29	of	of	ADP
fueconorg-13371	333	30	insurance	insurance	NOUN
fueconorg-13371	333	31	companies	company	NOUN
fueconorg-13371	333	32	should	should	AUX
fueconorg-13371	333	33	ensure	ensure	VERB
fueconorg-13371	333	34	that	that	SCONJ
fueconorg-13371	333	35	reinsurance	reinsurance	NOUN
fueconorg-13371	333	36	ceded	cede	VERB
fueconorg-13371	333	37	serves	serve	VERB
fueconorg-13371	333	38	as	as	ADP
fueconorg-13371	333	39	a	a	DET
fueconorg-13371	333	40	complement	complement	NOUN
fueconorg-13371	333	41	to	to	ADP
fueconorg-13371	333	42	equity	equity	NOUN
fueconorg-13371	333	43	financing	financing	NOUN
fueconorg-13371	333	44	rather	rather	ADV
fueconorg-13371	333	45	than	than	ADP
fueconorg-13371	333	46	an	an	DET
fueconorg-13371	333	47	entire	entire	ADJ
fueconorg-13371	333	48	substitution	substitution	NOUN
fueconorg-13371	333	49	.	.	PUNCT
fueconorg-13371	334	1	this	this	PRON
fueconorg-13371	334	2	will	will	AUX
fueconorg-13371	334	3	boost	boost	VERB
fueconorg-13371	334	4	stakeholder	stakeholder	NOUN
fueconorg-13371	334	5	confidence	confidence	NOUN
fueconorg-13371	334	6	and	and	CCONJ
fueconorg-13371	334	7	improve	improve	VERB
fueconorg-13371	334	8	their	their	PRON
fueconorg-13371	334	9	rating	rating	NOUN
fueconorg-13371	334	10	among	among	ADP
fueconorg-13371	334	11	rating	rating	NOUN
fueconorg-13371	334	12	agencies	agency	NOUN
fueconorg-13371	334	13	.	.	PUNCT
fueconorg-13371	335	1	industry	industry	NOUN
fueconorg-13371	335	2	practitioners	practitioner	NOUN
fueconorg-13371	335	3	could	could	AUX
fueconorg-13371	335	4	intermittently	intermittently	ADV
fueconorg-13371	335	5	evaluate	evaluate	VERB
fueconorg-13371	335	6	the	the	DET
fueconorg-13371	335	7	creditworthiness	creditworthiness	NOUN
fueconorg-13371	335	8	and	and	CCONJ
fueconorg-13371	335	9	diversification	diversification	NOUN
fueconorg-13371	335	10	of	of	ADP
fueconorg-13371	335	11	their	their	PRON
fueconorg-13371	335	12	reinsurers	reinsurer	NOUN
fueconorg-13371	335	13	to	to	PART
fueconorg-13371	335	14	avoid	avoid	VERB
fueconorg-13371	335	15	excessive	excessive	ADJ
fueconorg-13371	335	16	exposure	exposure	NOUN
fueconorg-13371	335	17	to	to	PART
fueconorg-13371	335	18	reinsurer	reinsurer	VERB
fueconorg-13371	335	19	default	default	NOUN
fueconorg-13371	335	20	risk	risk	NOUN
fueconorg-13371	335	21	during	during	ADP
fueconorg-13371	335	22	systemic	systemic	ADJ
fueconorg-13371	335	23	events	event	NOUN
fueconorg-13371	335	24	as	as	ADP
fueconorg-13371	335	25	a	a	DET
fueconorg-13371	335	26	result	result	NOUN
fueconorg-13371	335	27	of	of	ADP
fueconorg-13371	335	28	increased	increase	VERB
fueconorg-13371	335	29	dependence	dependence	NOUN
fueconorg-13371	335	30	on	on	ADP
fueconorg-13371	335	31	reinsurance	reinsurance	NOUN
fueconorg-13371	335	32	.	.	PUNCT
fueconorg-13371	336	1	contingency	contingency	NOUN
fueconorg-13371	336	2	planning	planning	NOUN
fueconorg-13371	336	3	can	can	AUX
fueconorg-13371	336	4	also	also	ADV
fueconorg-13371	336	5	be	be	AUX
fueconorg-13371	336	6	embedded	embed	VERB
fueconorg-13371	336	7	into	into	ADP
fueconorg-13371	336	8	their	their	PRON
fueconorg-13371	336	9	risk	risk	NOUN
fueconorg-13371	336	10	management	management	NOUN
fueconorg-13371	336	11	framework	framework	NOUN
fueconorg-13371	336	12	.	.	PUNCT
fueconorg-13371	337	1	the	the	DET
fueconorg-13371	337	2	negative	negative	ADJ
fueconorg-13371	337	3	relationship	relationship	NOUN
fueconorg-13371	337	4	between	between	ADP
fueconorg-13371	337	5	firm	firm	ADJ
fueconorg-13371	337	6	size	size	NOUN
fueconorg-13371	337	7	and	and	CCONJ
fueconorg-13371	337	8	reinsurance	reinsurance	NOUN
fueconorg-13371	337	9	ceded	cede	VERB
fueconorg-13371	337	10	implies	imply	VERB
fueconorg-13371	337	11	that	that	SCONJ
fueconorg-13371	337	12	smaller	small	ADJ
fueconorg-13371	337	13	firms	firm	NOUN
fueconorg-13371	337	14	may	may	AUX
fueconorg-13371	337	15	be	be	AUX
fueconorg-13371	337	16	constrained	constrain	VERB
fueconorg-13371	337	17	to	to	PART
fueconorg-13371	337	18	hold	hold	VERB
fueconorg-13371	337	19	more	more	ADJ
fueconorg-13371	337	20	equity	equity	NOUN
fueconorg-13371	337	21	to	to	PART
fueconorg-13371	337	22	cover	cover	VERB
fueconorg-13371	337	23	their	their	PRON
fueconorg-13371	337	24	high	high	ADJ
fueconorg-13371	337	25	risk	risk	NOUN
fueconorg-13371	337	26	exposures	exposure	NOUN
fueconorg-13371	337	27	.	.	PUNCT
fueconorg-13371	338	1	moreover	moreover	ADV
fueconorg-13371	338	2	,	,	PUNCT
fueconorg-13371	338	3	their	their	PRON
fueconorg-13371	338	4	increased	increase	VERB
fueconorg-13371	338	5	reinsurance	reinsurance	NOUN
fueconorg-13371	338	6	utilization	utilization	NOUN
fueconorg-13371	338	7	may	may	AUX
fueconorg-13371	338	8	be	be	AUX
fueconorg-13371	338	9	aimed	aim	VERB
fueconorg-13371	338	10	at	at	ADP
fueconorg-13371	338	11	managing	manage	VERB
fueconorg-13371	338	12	any	any	DET
fueconorg-13371	338	13	vulnerability	vulnerability	NOUN
fueconorg-13371	338	14	to	to	ADP
fueconorg-13371	338	15	losses	loss	NOUN
fueconorg-13371	338	16	.	.	PUNCT
fueconorg-13371	339	1	the	the	DET
fueconorg-13371	339	2	differentiated	differentiate	VERB
fueconorg-13371	339	3	needs	need	NOUN
fueconorg-13371	339	4	in	in	ADP
fueconorg-13371	339	5	risk	risk	NOUN
fueconorg-13371	339	6	profiles	profile	NOUN
fueconorg-13371	339	7	and	and	CCONJ
fueconorg-13371	339	8	capital	capital	NOUN
fueconorg-13371	339	9	requirements	requirement	NOUN
fueconorg-13371	339	10	of	of	ADP
fueconorg-13371	339	11	large	large	ADJ
fueconorg-13371	339	12	and	and	CCONJ
fueconorg-13371	339	13	small	small	ADJ
fueconorg-13371	339	14	firms	firm	NOUN
fueconorg-13371	339	15	may	may	AUX
fueconorg-13371	339	16	require	require	VERB
fueconorg-13371	339	17	a	a	DET
fueconorg-13371	339	18	need	need	NOUN
fueconorg-13371	339	19	for	for	ADP
fueconorg-13371	339	20	regulatory	regulatory	ADJ
fueconorg-13371	339	21	considerations	consideration	NOUN
fueconorg-13371	339	22	to	to	PART
fueconorg-13371	339	23	ensure	ensure	VERB
fueconorg-13371	339	24	that	that	SCONJ
fueconorg-13371	339	25	smaller	small	ADJ
fueconorg-13371	339	26	firms	firm	NOUN
fueconorg-13371	339	27	increase	increase	VERB
fueconorg-13371	339	28	their	their	PRON
fueconorg-13371	339	29	reinsurance	reinsurance	NOUN
fueconorg-13371	339	30	protection	protection	NOUN
fueconorg-13371	339	31	to	to	PART
fueconorg-13371	339	32	guard	guard	VERB
fueconorg-13371	339	33	against	against	ADP
fueconorg-13371	339	34	insolvency	insolvency	NOUN
fueconorg-13371	339	35	.	.	PUNCT
fueconorg-13371	340	1	they	they	PRON
fueconorg-13371	340	2	may	may	AUX
fueconorg-13371	340	3	also	also	ADV
fueconorg-13371	340	4	need	need	VERB
fueconorg-13371	340	5	to	to	PART
fueconorg-13371	340	6	inculcate	inculcate	VERB
fueconorg-13371	340	7	116	116	NUM
fueconorg-13371	340	8	m.	m.	NOUN
fueconorg-13371	340	9	s.	s.	PROPN
fueconorg-13371	340	10	ukpong	ukpong	PROPN
fueconorg-13371	340	11	,	,	PUNCT
fueconorg-13371	340	12	m.	m.	NOUN
fueconorg-13371	340	13	a.	a.	PROPN
fueconorg-13371	340	14	obalola	obalola	PROPN
fueconorg-13371	340	15	,	,	PUNCT
fueconorg-13371	340	16	i.	i.	PROPN
fueconorg-13371	340	17	adeleke	adeleke	VERB
fueconorg-13371	340	18	certain	certain	ADJ
fueconorg-13371	340	19	innovations	innovation	NOUN
fueconorg-13371	340	20	in	in	ADP
fueconorg-13371	340	21	optimizing	optimize	VERB
fueconorg-13371	340	22	capital	capital	NOUN
fueconorg-13371	340	23	and	and	CCONJ
fueconorg-13371	340	24	reinsurance	reinsurance	NOUN
fueconorg-13371	340	25	options	option	NOUN
fueconorg-13371	340	26	to	to	PART
fueconorg-13371	340	27	obtain	obtain	VERB
fueconorg-13371	340	28	a	a	DET
fueconorg-13371	340	29	competitive	competitive	ADJ
fueconorg-13371	340	30	advantage	advantage	NOUN
fueconorg-13371	340	31	in	in	ADP
fueconorg-13371	340	32	the	the	DET
fueconorg-13371	340	33	insurance	insurance	NOUN
fueconorg-13371	340	34	market	market	NOUN
fueconorg-13371	340	35	.	.	PUNCT
fueconorg-13371	341	1	it	it	PRON
fueconorg-13371	341	2	must	must	AUX
fueconorg-13371	341	3	also	also	ADV
fueconorg-13371	341	4	be	be	AUX
fueconorg-13371	341	5	mentioned	mention	VERB
fueconorg-13371	341	6	that	that	SCONJ
fueconorg-13371	341	7	the	the	DET
fueconorg-13371	341	8	resilience	resilience	NOUN
fueconorg-13371	341	9	of	of	ADP
fueconorg-13371	341	10	the	the	DET
fueconorg-13371	341	11	industry	industry	NOUN
fueconorg-13371	341	12	to	to	ADP
fueconorg-13371	341	13	economic	economic	ADJ
fueconorg-13371	341	14	shocks	shock	NOUN
fueconorg-13371	341	15	and	and	CCONJ
fueconorg-13371	341	16	catastrophic	catastrophic	ADJ
fueconorg-13371	341	17	events	event	NOUN
fueconorg-13371	341	18	is	be	AUX
fueconorg-13371	341	19	managed	manage	VERB
fueconorg-13371	341	20	by	by	ADP
fueconorg-13371	341	21	an	an	DET
fueconorg-13371	341	22	overall	overall	ADJ
fueconorg-13371	341	23	financial	financial	ADJ
fueconorg-13371	341	24	stability	stability	NOUN
fueconorg-13371	341	25	,	,	PUNCT
fueconorg-13371	341	26	which	which	PRON
fueconorg-13371	341	27	for	for	ADP
fueconorg-13371	341	28	the	the	DET
fueconorg-13371	341	29	larger	large	ADJ
fueconorg-13371	341	30	firms	firm	NOUN
fueconorg-13371	341	31	is	be	AUX
fueconorg-13371	341	32	enhanced	enhance	VERB
fueconorg-13371	341	33	by	by	ADP
fueconorg-13371	341	34	their	their	PRON
fueconorg-13371	341	35	internal	internal	ADJ
fueconorg-13371	341	36	risk	risk	NOUN
fueconorg-13371	341	37	management	management	NOUN
fueconorg-13371	341	38	strategies	strategy	NOUN
fueconorg-13371	341	39	and	and	CCONJ
fueconorg-13371	341	40	for	for	ADP
fueconorg-13371	341	41	smaller	small	ADJ
fueconorg-13371	341	42	firms	firm	NOUN
fueconorg-13371	341	43	increased	increase	VERB
fueconorg-13371	341	44	reinsurance	reinsurance	NOUN
fueconorg-13371	341	45	utilization	utilization	NOUN
fueconorg-13371	341	46	.	.	PUNCT
fueconorg-13371	342	1	moreover	moreover	ADV
fueconorg-13371	342	2	,	,	PUNCT
fueconorg-13371	342	3	firms	firm	NOUN
fueconorg-13371	342	4	with	with	ADP
fueconorg-13371	342	5	high	high	ADJ
fueconorg-13371	342	6	solvency	solvency	NOUN
fueconorg-13371	342	7	may	may	AUX
fueconorg-13371	342	8	utilize	utilize	VERB
fueconorg-13371	342	9	reinsurance	reinsurance	NOUN
fueconorg-13371	342	10	as	as	ADP
fueconorg-13371	342	11	a	a	DET
fueconorg-13371	342	12	strategic	strategic	ADJ
fueconorg-13371	342	13	tool	tool	NOUN
fueconorg-13371	342	14	to	to	PART
fueconorg-13371	342	15	maintain	maintain	VERB
fueconorg-13371	342	16	their	their	PRON
fueconorg-13371	342	17	solvency	solvency	NOUN
fueconorg-13371	342	18	ratios	ratio	NOUN
fueconorg-13371	342	19	in	in	ADP
fueconorg-13371	342	20	compliance	compliance	NOUN
fueconorg-13371	342	21	with	with	ADP
fueconorg-13371	342	22	statutory	statutory	ADJ
fueconorg-13371	342	23	regulations	regulation	NOUN
fueconorg-13371	342	24	.	.	PUNCT
fueconorg-13371	343	1	on	on	ADP
fueconorg-13371	343	2	the	the	DET
fueconorg-13371	343	3	flip	flip	ADJ
fueconorg-13371	343	4	side	side	NOUN
fueconorg-13371	343	5	,	,	PUNCT
fueconorg-13371	343	6	insurers	insurer	NOUN
fueconorg-13371	343	7	with	with	ADP
fueconorg-13371	343	8	low	low	ADJ
fueconorg-13371	343	9	solvency	solvency	NOUN
fueconorg-13371	343	10	might	might	AUX
fueconorg-13371	343	11	resort	resort	VERB
fueconorg-13371	343	12	to	to	ADP
fueconorg-13371	343	13	holding	hold	VERB
fueconorg-13371	343	14	more	more	ADJ
fueconorg-13371	343	15	equity	equity	NOUN
fueconorg-13371	343	16	to	to	PART
fueconorg-13371	343	17	guard	guard	VERB
fueconorg-13371	343	18	against	against	ADP
fueconorg-13371	343	19	potential	potential	ADJ
fueconorg-13371	343	20	losses	loss	NOUN
fueconorg-13371	343	21	and	and	CCONJ
fueconorg-13371	343	22	utilize	utilize	VERB
fueconorg-13371	343	23	less	less	ADJ
fueconorg-13371	343	24	reinsurance	reinsurance	NOUN
fueconorg-13371	343	25	.	.	PUNCT
fueconorg-13371	344	1	where	where	SCONJ
fueconorg-13371	344	2	insurers	insurer	NOUN
fueconorg-13371	344	3	have	have	VERB
fueconorg-13371	344	4	high	high	ADJ
fueconorg-13371	344	5	solvency	solvency	NOUN
fueconorg-13371	344	6	in	in	ADP
fueconorg-13371	344	7	addition	addition	NOUN
fueconorg-13371	344	8	to	to	ADP
fueconorg-13371	344	9	reinsurance	reinsurance	NOUN
fueconorg-13371	344	10	protection	protection	NOUN
fueconorg-13371	344	11	,	,	PUNCT
fueconorg-13371	344	12	they	they	PRON
fueconorg-13371	344	13	are	be	AUX
fueconorg-13371	344	14	better	well	ADV
fueconorg-13371	344	15	positioned	position	VERB
fueconorg-13371	344	16	for	for	ADP
fueconorg-13371	344	17	expansion	expansion	NOUN
fueconorg-13371	344	18	and	and	CCONJ
fueconorg-13371	344	19	growth	growth	NOUN
fueconorg-13371	344	20	.	.	PUNCT
fueconorg-13371	345	1	acquisition	acquisition	NOUN
fueconorg-13371	345	2	of	of	ADP
fueconorg-13371	345	3	new	new	ADJ
fueconorg-13371	345	4	business	business	NOUN
fueconorg-13371	345	5	and	and	CCONJ
fueconorg-13371	345	6	expansion	expansion	NOUN
fueconorg-13371	345	7	of	of	ADP
fueconorg-13371	345	8	old	old	ADJ
fueconorg-13371	345	9	ones	one	NOUN
fueconorg-13371	345	10	may	may	AUX
fueconorg-13371	345	11	not	not	PART
fueconorg-13371	345	12	pose	pose	VERB
fueconorg-13371	345	13	a	a	DET
fueconorg-13371	345	14	threat	threat	NOUN
fueconorg-13371	345	15	to	to	ADP
fueconorg-13371	345	16	their	their	PRON
fueconorg-13371	345	17	financial	financial	ADJ
fueconorg-13371	345	18	stability	stability	NOUN
fueconorg-13371	345	19	.	.	PUNCT
fueconorg-13371	346	1	their	their	PRON
fueconorg-13371	346	2	underwriting	underwriting	NOUN
fueconorg-13371	346	3	risk	risk	NOUN
fueconorg-13371	346	4	can	can	AUX
fueconorg-13371	346	5	be	be	AUX
fueconorg-13371	346	6	better	well	ADV
fueconorg-13371	346	7	managed	manage	VERB
fueconorg-13371	346	8	and	and	CCONJ
fueconorg-13371	346	9	there	there	PRON
fueconorg-13371	346	10	may	may	AUX
fueconorg-13371	346	11	be	be	AUX
fueconorg-13371	346	12	no	no	DET
fueconorg-13371	346	13	need	need	NOUN
fueconorg-13371	346	14	for	for	ADP
fueconorg-13371	346	15	additional	additional	ADJ
fueconorg-13371	346	16	equity	equity	NOUN
fueconorg-13371	346	17	.	.	PUNCT
fueconorg-13371	347	1	5	5	X
fueconorg-13371	347	2	.	.	X
fueconorg-13371	347	3	conclusion	conclusion	NOUN
fueconorg-13371	347	4	the	the	DET
fueconorg-13371	347	5	researchers	researcher	NOUN
fueconorg-13371	347	6	set	set	VERB
fueconorg-13371	347	7	out	out	ADP
fueconorg-13371	347	8	to	to	PART
fueconorg-13371	347	9	analyze	analyze	VERB
fueconorg-13371	347	10	the	the	DET
fueconorg-13371	347	11	relationship	relationship	NOUN
fueconorg-13371	347	12	between	between	ADP
fueconorg-13371	347	13	reinsurance	reinsurance	NOUN
fueconorg-13371	347	14	utilization	utilization	NOUN
fueconorg-13371	347	15	and	and	CCONJ
fueconorg-13371	347	16	equity	equity	NOUN
fueconorg-13371	347	17	funding	funding	NOUN
fueconorg-13371	347	18	in	in	ADP
fueconorg-13371	347	19	the	the	DET
fueconorg-13371	347	20	non	non	ADJ
fueconorg-13371	347	21	-	-	ADJ
fueconorg-13371	347	22	life	life	ADJ
fueconorg-13371	347	23	sector	sector	NOUN
fueconorg-13371	347	24	of	of	ADP
fueconorg-13371	347	25	the	the	DET
fueconorg-13371	347	26	nigerian	nigerian	ADJ
fueconorg-13371	347	27	insurance	insurance	NOUN
fueconorg-13371	347	28	industry	industry	NOUN
fueconorg-13371	347	29	using	use	VERB
fueconorg-13371	347	30	the	the	DET
fueconorg-13371	347	31	ratio	ratio	NOUN
fueconorg-13371	347	32	of	of	ADP
fueconorg-13371	347	33	reinsurance	reinsurance	NOUN
fueconorg-13371	347	34	ceded	cede	VERB
fueconorg-13371	347	35	as	as	ADP
fueconorg-13371	347	36	a	a	DET
fueconorg-13371	347	37	proxy	proxy	NOUN
fueconorg-13371	347	38	for	for	ADP
fueconorg-13371	347	39	reinsurance	reinsurance	NOUN
fueconorg-13371	347	40	utilization	utilization	NOUN
fueconorg-13371	347	41	.	.	PUNCT
fueconorg-13371	348	1	findings	finding	NOUN
fueconorg-13371	348	2	from	from	ADP
fueconorg-13371	348	3	the	the	DET
fueconorg-13371	348	4	study	study	NOUN
fueconorg-13371	348	5	revealed	reveal	VERB
fueconorg-13371	348	6	a	a	DET
fueconorg-13371	348	7	significant	significant	ADJ
fueconorg-13371	348	8	relationship	relationship	NOUN
fueconorg-13371	348	9	between	between	ADP
fueconorg-13371	348	10	reinsurance	reinsurance	NOUN
fueconorg-13371	348	11	ceded	cede	VERB
fueconorg-13371	348	12	and	and	CCONJ
fueconorg-13371	348	13	equity	equity	NOUN
fueconorg-13371	348	14	which	which	PRON
fueconorg-13371	348	15	highlights	highlight	VERB
fueconorg-13371	348	16	the	the	DET
fueconorg-13371	348	17	interdependence	interdependence	NOUN
fueconorg-13371	348	18	between	between	ADP
fueconorg-13371	348	19	capital	capital	NOUN
fueconorg-13371	348	20	structure	structure	NOUN
fueconorg-13371	348	21	decisions	decision	NOUN
fueconorg-13371	348	22	and	and	CCONJ
fueconorg-13371	348	23	risk	risk	NOUN
fueconorg-13371	348	24	management	management	NOUN
fueconorg-13371	348	25	strategies	strategy	NOUN
fueconorg-13371	348	26	.	.	PUNCT
fueconorg-13371	349	1	the	the	DET
fueconorg-13371	349	2	findings	finding	NOUN
fueconorg-13371	349	3	indicate	indicate	VERB
fueconorg-13371	349	4	that	that	SCONJ
fueconorg-13371	349	5	low	low	ADJ
fueconorg-13371	349	6	equity	equity	NOUN
fueconorg-13371	349	7	insurers	insurer	NOUN
fueconorg-13371	349	8	depend	depend	VERB
fueconorg-13371	349	9	more	more	ADV
fueconorg-13371	349	10	on	on	ADP
fueconorg-13371	349	11	reinsurance	reinsurance	NOUN
fueconorg-13371	349	12	as	as	ADP
fueconorg-13371	349	13	an	an	DET
fueconorg-13371	349	14	alternative	alternative	ADJ
fueconorg-13371	349	15	source	source	NOUN
fueconorg-13371	349	16	of	of	ADP
fueconorg-13371	349	17	capital	capital	NOUN
fueconorg-13371	349	18	,	,	PUNCT
fueconorg-13371	349	19	which	which	PRON
fueconorg-13371	349	20	is	be	AUX
fueconorg-13371	349	21	consistent	consistent	ADJ
fueconorg-13371	349	22	with	with	ADP
fueconorg-13371	349	23	the	the	DET
fueconorg-13371	349	24	bankruptcy	bankruptcy	NOUN
fueconorg-13371	349	25	cost	cost	NOUN
fueconorg-13371	349	26	hypothesis	hypothesis	NOUN
fueconorg-13371	349	27	and	and	CCONJ
fueconorg-13371	349	28	renting	rent	VERB
fueconorg-13371	349	29	capital	capital	NOUN
fueconorg-13371	349	30	hypothesis	hypothesis	NOUN
fueconorg-13371	349	31	.	.	PUNCT
fueconorg-13371	350	1	this	this	DET
fueconorg-13371	350	2	result	result	NOUN
fueconorg-13371	350	3	has	have	VERB
fueconorg-13371	350	4	important	important	ADJ
fueconorg-13371	350	5	implications	implication	NOUN
fueconorg-13371	350	6	for	for	ADP
fueconorg-13371	350	7	both	both	PRON
fueconorg-13371	350	8	regulators	regulator	NOUN
fueconorg-13371	350	9	and	and	CCONJ
fueconorg-13371	350	10	industry	industry	NOUN
fueconorg-13371	350	11	practitioners	practitioner	NOUN
fueconorg-13371	350	12	.	.	PUNCT
fueconorg-13371	351	1	for	for	ADP
fueconorg-13371	351	2	the	the	DET
fueconorg-13371	351	3	regulators	regulator	NOUN
fueconorg-13371	351	4	,	,	PUNCT
fueconorg-13371	351	5	it	it	PRON
fueconorg-13371	351	6	stresses	stress	VERB
fueconorg-13371	351	7	the	the	DET
fueconorg-13371	351	8	need	need	NOUN
fueconorg-13371	351	9	for	for	ADP
fueconorg-13371	351	10	prudent	prudent	ADJ
fueconorg-13371	351	11	oversight	oversight	NOUN
fueconorg-13371	351	12	of	of	ADP
fueconorg-13371	351	13	reinsurance	reinsurance	NOUN
fueconorg-13371	351	14	arrangements	arrangement	NOUN
fueconorg-13371	351	15	as	as	ADP
fueconorg-13371	351	16	part	part	NOUN
fueconorg-13371	351	17	of	of	ADP
fueconorg-13371	351	18	an	an	DET
fueconorg-13371	351	19	inclusive	inclusive	ADJ
fueconorg-13371	351	20	solvency	solvency	NOUN
fueconorg-13371	351	21	evaluation	evaluation	NOUN
fueconorg-13371	351	22	;	;	PUNCT
fueconorg-13371	351	23	while	while	SCONJ
fueconorg-13371	351	24	for	for	ADP
fueconorg-13371	351	25	the	the	DET
fueconorg-13371	351	26	industry	industry	NOUN
fueconorg-13371	351	27	practitioners	practitioner	NOUN
fueconorg-13371	351	28	,	,	PUNCT
fueconorg-13371	351	29	it	it	PRON
fueconorg-13371	351	30	accentuates	accentuate	VERB
fueconorg-13371	351	31	the	the	DET
fueconorg-13371	351	32	critical	critical	ADJ
fueconorg-13371	351	33	role	role	NOUN
fueconorg-13371	351	34	of	of	ADP
fueconorg-13371	351	35	supporting	support	VERB
fueconorg-13371	351	36	reinsurance	reinsurance	NOUN
fueconorg-13371	351	37	strategies	strategy	NOUN
fueconorg-13371	351	38	with	with	ADP
fueconorg-13371	351	39	long	long	ADJ
fueconorg-13371	351	40	-	-	PUNCT
fueconorg-13371	351	41	term	term	NOUN
fueconorg-13371	351	42	capital	capital	NOUN
fueconorg-13371	351	43	management	management	NOUN
fueconorg-13371	351	44	objectives	objective	NOUN
fueconorg-13371	351	45	to	to	PART
fueconorg-13371	351	46	guarantee	guarantee	VERB
fueconorg-13371	351	47	financial	financial	ADJ
fueconorg-13371	351	48	stability	stability	NOUN
fueconorg-13371	351	49	and	and	CCONJ
fueconorg-13371	351	50	regulatory	regulatory	ADJ
fueconorg-13371	351	51	compliance	compliance	NOUN
fueconorg-13371	351	52	.	.	PUNCT
fueconorg-13371	352	1	5.1	5.1	NUM
fueconorg-13371	352	2	recommendations	recommendation	NOUN
fueconorg-13371	352	3	from	from	ADP
fueconorg-13371	352	4	the	the	DET
fueconorg-13371	352	5	findings	finding	NOUN
fueconorg-13371	352	6	derived	derive	VERB
fueconorg-13371	352	7	from	from	ADP
fueconorg-13371	352	8	the	the	DET
fueconorg-13371	352	9	study	study	NOUN
fueconorg-13371	352	10	,	,	PUNCT
fueconorg-13371	352	11	the	the	DET
fueconorg-13371	352	12	following	follow	VERB
fueconorg-13371	352	13	recommendations	recommendation	NOUN
fueconorg-13371	352	14	are	be	AUX
fueconorg-13371	352	15	made	make	VERB
fueconorg-13371	352	16	.	.	PUNCT
fueconorg-13371	353	1	i.	i.	PROPN
fueconorg-13371	353	2	low	low	ADV
fueconorg-13371	353	3	-	-	PUNCT
fueconorg-13371	353	4	capitalized	capitalize	VERB
fueconorg-13371	353	5	insurers	insurer	NOUN
fueconorg-13371	353	6	should	should	AUX
fueconorg-13371	353	7	cede	cede	VERB
fueconorg-13371	353	8	more	more	ADJ
fueconorg-13371	353	9	risks	risk	NOUN
fueconorg-13371	353	10	as	as	ADP
fueconorg-13371	353	11	a	a	DET
fueconorg-13371	353	12	buffer	buffer	NOUN
fueconorg-13371	353	13	to	to	ADP
fueconorg-13371	353	14	their	their	PRON
fueconorg-13371	353	15	capital	capital	NOUN
fueconorg-13371	353	16	and	and	CCONJ
fueconorg-13371	353	17	guard	guard	VERB
fueconorg-13371	353	18	against	against	ADP
fueconorg-13371	353	19	bankruptcy	bankruptcy	NOUN
fueconorg-13371	353	20	.	.	PUNCT
fueconorg-13371	354	1	the	the	DET
fueconorg-13371	354	2	increased	increase	VERB
fueconorg-13371	354	3	cessions	cession	NOUN
fueconorg-13371	354	4	of	of	ADP
fueconorg-13371	354	5	risk	risk	NOUN
fueconorg-13371	354	6	would	would	AUX
fueconorg-13371	354	7	enhance	enhance	VERB
fueconorg-13371	354	8	their	their	PRON
fueconorg-13371	354	9	financial	financial	ADJ
fueconorg-13371	354	10	stability	stability	NOUN
fueconorg-13371	354	11	,	,	PUNCT
fueconorg-13371	354	12	improve	improve	VERB
fueconorg-13371	354	13	their	their	PRON
fueconorg-13371	354	14	solvency	solvency	NOUN
fueconorg-13371	354	15	and	and	CCONJ
fueconorg-13371	354	16	risk	risk	NOUN
fueconorg-13371	354	17	management	management	NOUN
fueconorg-13371	354	18	capabilities	capability	NOUN
fueconorg-13371	354	19	,	,	PUNCT
fueconorg-13371	354	20	foster	foster	ADJ
fueconorg-13371	354	21	potential	potential	NOUN
fueconorg-13371	354	22	for	for	ADP
fueconorg-13371	354	23	growth	growth	NOUN
fueconorg-13371	354	24	and	and	CCONJ
fueconorg-13371	354	25	enable	enable	VERB
fueconorg-13371	354	26	them	they	PRON
fueconorg-13371	354	27	to	to	PART
fueconorg-13371	354	28	comply	comply	VERB
fueconorg-13371	354	29	with	with	ADP
fueconorg-13371	354	30	regulatory	regulatory	ADJ
fueconorg-13371	354	31	requirements	requirement	NOUN
fueconorg-13371	354	32	.	.	PUNCT
fueconorg-13371	355	1	this	this	PRON
fueconorg-13371	355	2	will	will	AUX
fueconorg-13371	355	3	build	build	VERB
fueconorg-13371	355	4	its	its	PRON
fueconorg-13371	355	5	overall	overall	ADJ
fueconorg-13371	355	6	competitive	competitive	ADJ
fueconorg-13371	355	7	advantage	advantage	NOUN
fueconorg-13371	355	8	and	and	CCONJ
fueconorg-13371	355	9	enhance	enhance	VERB
fueconorg-13371	355	10	its	its	PRON
fueconorg-13371	355	11	viability	viability	NOUN
fueconorg-13371	355	12	in	in	ADP
fueconorg-13371	355	13	the	the	DET
fueconorg-13371	355	14	insurance	insurance	NOUN
fueconorg-13371	355	15	market	market	NOUN
fueconorg-13371	355	16	.	.	PUNCT
fueconorg-13371	356	1	ii	ii	PROPN
fueconorg-13371	356	2	.	.	PUNCT
fueconorg-13371	357	1	insurance	insurance	NOUN
fueconorg-13371	357	2	companies	company	NOUN
fueconorg-13371	357	3	should	should	AUX
fueconorg-13371	357	4	purchase	purchase	VERB
fueconorg-13371	357	5	more	more	ADJ
fueconorg-13371	357	6	reinsurance	reinsurance	NOUN
fueconorg-13371	357	7	cover	cover	NOUN
fueconorg-13371	357	8	to	to	PART
fueconorg-13371	357	9	increase	increase	VERB
fueconorg-13371	357	10	their	their	PRON
fueconorg-13371	357	11	ability	ability	NOUN
fueconorg-13371	357	12	to	to	PART
fueconorg-13371	357	13	write	write	VERB
fueconorg-13371	357	14	more	more	ADJ
fueconorg-13371	357	15	risks	risk	NOUN
fueconorg-13371	357	16	and	and	CCONJ
fueconorg-13371	357	17	maintain	maintain	VERB
fueconorg-13371	357	18	solvency	solvency	NOUN
fueconorg-13371	357	19	.	.	PUNCT
fueconorg-13371	358	1	this	this	PRON
fueconorg-13371	358	2	is	be	AUX
fueconorg-13371	358	3	a	a	DET
fueconorg-13371	358	4	strategic	strategic	ADJ
fueconorg-13371	358	5	activity	activity	NOUN
fueconorg-13371	358	6	that	that	PRON
fueconorg-13371	358	7	will	will	AUX
fueconorg-13371	358	8	enhance	enhance	VERB
fueconorg-13371	358	9	the	the	DET
fueconorg-13371	358	10	risk	risk	NOUN
fueconorg-13371	358	11	management	management	NOUN
fueconorg-13371	358	12	capacity	capacity	NOUN
fueconorg-13371	358	13	of	of	ADP
fueconorg-13371	358	14	the	the	DET
fueconorg-13371	358	15	insurer	insurer	NOUN
fueconorg-13371	358	16	,	,	PUNCT
fueconorg-13371	358	17	expand	expand	VERB
fueconorg-13371	358	18	its	its	PRON
fueconorg-13371	358	19	underwriting	underwriting	NOUN
fueconorg-13371	358	20	capacity	capacity	NOUN
fueconorg-13371	358	21	and	and	CCONJ
fueconorg-13371	358	22	enable	enable	VERB
fueconorg-13371	358	23	it	it	PRON
fueconorg-13371	358	24	to	to	PART
fueconorg-13371	358	25	comply	comply	VERB
fueconorg-13371	358	26	with	with	ADP
fueconorg-13371	358	27	statutory	statutory	ADJ
fueconorg-13371	358	28	obligations	obligation	NOUN
fueconorg-13371	358	29	as	as	ADV
fueconorg-13371	358	30	well	well	ADV
fueconorg-13371	358	31	as	as	ADP
fueconorg-13371	358	32	achieve	achieve	VERB
fueconorg-13371	358	33	financial	financial	ADJ
fueconorg-13371	358	34	stability	stability	NOUN
fueconorg-13371	358	35	.	.	PUNCT
fueconorg-13371	359	1	by	by	ADP
fueconorg-13371	359	2	ceding	cede	VERB
fueconorg-13371	359	3	more	more	ADJ
fueconorg-13371	359	4	risks	risk	NOUN
fueconorg-13371	359	5	to	to	ADP
fueconorg-13371	359	6	the	the	DET
fueconorg-13371	359	7	reinsurer	reinsurer	NOUN
fueconorg-13371	359	8	,	,	PUNCT
fueconorg-13371	359	9	insurers	insurer	NOUN
fueconorg-13371	359	10	can	can	AUX
fueconorg-13371	359	11	avoid	avoid	VERB
fueconorg-13371	359	12	significant	significant	ADJ
fueconorg-13371	359	13	losses	loss	NOUN
fueconorg-13371	359	14	,	,	PUNCT
fueconorg-13371	359	15	free	free	VERB
fueconorg-13371	359	16	up	up	ADP
fueconorg-13371	359	17	more	more	ADJ
fueconorg-13371	359	18	capital	capital	NOUN
fueconorg-13371	359	19	to	to	PART
fueconorg-13371	359	20	aid	aid	VERB
fueconorg-13371	359	21	their	their	PRON
fueconorg-13371	359	22	capital	capital	NOUN
fueconorg-13371	359	23	adequacy	adequacy	NOUN
fueconorg-13371	359	24	,	,	PUNCT
fueconorg-13371	359	25	and	and	CCONJ
fueconorg-13371	359	26	ensure	ensure	VERB
fueconorg-13371	359	27	their	their	PRON
fueconorg-13371	359	28	continued	continued	ADJ
fueconorg-13371	359	29	existence	existence	NOUN
fueconorg-13371	359	30	and	and	CCONJ
fueconorg-13371	359	31	enable	enable	VERB
fueconorg-13371	359	32	their	their	PRON
fueconorg-13371	359	33	growth	growth	NOUN
fueconorg-13371	359	34	and	and	CCONJ
fueconorg-13371	359	35	competitive	competitive	ADJ
fueconorg-13371	359	36	edge	edge	NOUN
fueconorg-13371	359	37	in	in	ADP
fueconorg-13371	359	38	the	the	DET
fueconorg-13371	359	39	insurance	insurance	NOUN
fueconorg-13371	359	40	market	market	NOUN
fueconorg-13371	359	41	.	.	PUNCT
fueconorg-13371	360	1	iii	iii	X
fueconorg-13371	360	2	.	.	PUNCT
fueconorg-13371	361	1	policymakers	policymaker	NOUN
fueconorg-13371	361	2	and	and	CCONJ
fueconorg-13371	361	3	regulators	regulator	NOUN
fueconorg-13371	361	4	in	in	ADP
fueconorg-13371	361	5	addition	addition	NOUN
fueconorg-13371	361	6	to	to	ADP
fueconorg-13371	361	7	prudent	prudent	ADJ
fueconorg-13371	361	8	monitoring	monitoring	NOUN
fueconorg-13371	361	9	of	of	ADP
fueconorg-13371	361	10	reinsurance	reinsurance	NOUN
fueconorg-13371	361	11	arrangements	arrangement	NOUN
fueconorg-13371	361	12	,	,	PUNCT
fueconorg-13371	361	13	could	could	AUX
fueconorg-13371	361	14	also	also	ADV
fueconorg-13371	361	15	provide	provide	VERB
fueconorg-13371	361	16	tax	tax	NOUN
fueconorg-13371	361	17	incentives	incentive	NOUN
fueconorg-13371	361	18	for	for	SCONJ
fueconorg-13371	361	19	insurers	insurer	NOUN
fueconorg-13371	361	20	actively	actively	ADV
fueconorg-13371	361	21	utilizing	utilize	VERB
fueconorg-13371	361	22	reinsurance	reinsurance	NOUN
fueconorg-13371	361	23	to	to	PART
fueconorg-13371	361	24	stabilize	stabilize	VERB
fueconorg-13371	361	25	their	their	PRON
fueconorg-13371	361	26	capital	capital	NOUN
fueconorg-13371	361	27	structure	structure	NOUN
fueconorg-13371	361	28	and	and	CCONJ
fueconorg-13371	361	29	improve	improve	VERB
fueconorg-13371	361	30	risk	risk	NOUN
fueconorg-13371	361	31	management	management	NOUN
fueconorg-13371	361	32	culture	culture	NOUN
fueconorg-13371	361	33	.	.	PUNCT
fueconorg-13371	362	1	this	this	DET
fueconorg-13371	362	2	incentive	incentive	NOUN
fueconorg-13371	362	3	would	would	AUX
fueconorg-13371	362	4	motivate	motivate	VERB
fueconorg-13371	362	5	non	non	ADJ
fueconorg-13371	362	6	the	the	DET
fueconorg-13371	362	7	nigerian	nigerian	ADJ
fueconorg-13371	362	8	financial	financial	ADJ
fueconorg-13371	362	9	system	system	NOUN
fueconorg-13371	362	10	:	:	PUNCT
fueconorg-13371	362	11	the	the	DET
fueconorg-13371	362	12	nexus	nexus	NOUN
fueconorg-13371	362	13	between	between	ADP
fueconorg-13371	362	14	reinsurance	reinsurance	NOUN
fueconorg-13371	362	15	ceded	cede	VERB
fueconorg-13371	362	16	and	and	CCONJ
fueconorg-13371	362	17	equity	equity	NOUN
fueconorg-13371	362	18	financing	financing	NOUN
fueconorg-13371	362	19	in	in	ADP
fueconorg-13371	362	20	the	the	DET
fueconorg-13371	362	21	...	...	SYM
fueconorg-13371	362	22	117	117	NUM
fueconorg-13371	362	23	life	life	NOUN
fueconorg-13371	362	24	insurers	insurer	NOUN
fueconorg-13371	362	25	who	who	PRON
fueconorg-13371	362	26	already	already	ADV
fueconorg-13371	362	27	utilize	utilize	VERB
fueconorg-13371	362	28	reinsurance	reinsurance	NOUN
fueconorg-13371	362	29	to	to	PART
fueconorg-13371	362	30	optimize	optimize	VERB
fueconorg-13371	362	31	their	their	PRON
fueconorg-13371	362	32	utilization	utilization	NOUN
fueconorg-13371	362	33	and	and	CCONJ
fueconorg-13371	362	34	improve	improve	VERB
fueconorg-13371	362	35	their	their	PRON
fueconorg-13371	362	36	capital	capital	NOUN
fueconorg-13371	362	37	structure	structure	NOUN
fueconorg-13371	362	38	.	.	PUNCT
fueconorg-13371	363	1	an	an	DET
fueconorg-13371	363	2	optimal	optimal	ADJ
fueconorg-13371	363	3	utilization	utilization	NOUN
fueconorg-13371	363	4	would	would	AUX
fueconorg-13371	363	5	reduce	reduce	VERB
fueconorg-13371	363	6	risk	risk	NOUN
fueconorg-13371	363	7	and	and	CCONJ
fueconorg-13371	363	8	enhance	enhance	VERB
fueconorg-13371	363	9	financial	financial	ADJ
fueconorg-13371	363	10	stability	stability	NOUN
fueconorg-13371	363	11	.	.	PUNCT
fueconorg-13371	364	1	iv	iv	X
fueconorg-13371	364	2	.	.	PUNCT
fueconorg-13371	365	1	as	as	SCONJ
fueconorg-13371	365	2	the	the	DET
fueconorg-13371	365	3	study	study	NOUN
fueconorg-13371	365	4	underscores	underscore	VERB
fueconorg-13371	365	5	the	the	DET
fueconorg-13371	365	6	essence	essence	NOUN
fueconorg-13371	365	7	of	of	ADP
fueconorg-13371	365	8	disciplined	disciplined	ADJ
fueconorg-13371	365	9	equity	equity	NOUN
fueconorg-13371	365	10	management	management	NOUN
fueconorg-13371	365	11	and	and	CCONJ
fueconorg-13371	365	12	prudent	prudent	ADJ
fueconorg-13371	365	13	reinsurance	reinsurance	NOUN
fueconorg-13371	365	14	program	program	NOUN
fueconorg-13371	365	15	design	design	NOUN
fueconorg-13371	365	16	,	,	PUNCT
fueconorg-13371	365	17	industry	industry	NOUN
fueconorg-13371	365	18	practitioners	practitioner	NOUN
fueconorg-13371	365	19	should	should	AUX
fueconorg-13371	365	20	recognize	recognize	VERB
fueconorg-13371	365	21	that	that	SCONJ
fueconorg-13371	365	22	reinsurance	reinsurance	NOUN
fueconorg-13371	365	23	decisions	decision	NOUN
fueconorg-13371	365	24	are	be	AUX
fueconorg-13371	365	25	pivotal	pivotal	ADJ
fueconorg-13371	365	26	to	to	ADP
fueconorg-13371	365	27	broader	broad	ADJ
fueconorg-13371	365	28	financial	financial	ADJ
fueconorg-13371	365	29	stability	stability	NOUN
fueconorg-13371	365	30	and	and	CCONJ
fueconorg-13371	365	31	adopt	adopt	VERB
fueconorg-13371	365	32	it	it	PRON
fueconorg-13371	365	33	in	in	ADP
fueconorg-13371	365	34	their	their	PRON
fueconorg-13371	365	35	risk	risk	NOUN
fueconorg-13371	365	36	management	management	NOUN
fueconorg-13371	365	37	framework	framework	NOUN
fueconorg-13371	365	38	for	for	ADP
fueconorg-13371	365	39	more	more	ADV
fueconorg-13371	365	40	enhanced	enhanced	ADJ
fueconorg-13371	365	41	risk	risk	NOUN
fueconorg-13371	365	42	governance	governance	NOUN
fueconorg-13371	365	43	in	in	ADP
fueconorg-13371	365	44	the	the	DET
fueconorg-13371	365	45	insurance	insurance	NOUN
fueconorg-13371	365	46	sector	sector	NOUN
fueconorg-13371	365	47	.	.	PUNCT
fueconorg-13371	366	1	v.	v.	ADP
fueconorg-13371	366	2	adequately	adequately	ADV
fueconorg-13371	366	3	capitalized	capitalize	VERB
fueconorg-13371	366	4	insurers	insurer	NOUN
fueconorg-13371	366	5	can	can	AUX
fueconorg-13371	366	6	diversify	diversify	VERB
fueconorg-13371	366	7	their	their	PRON
fueconorg-13371	366	8	product	product	NOUN
fueconorg-13371	366	9	mix	mix	NOUN
fueconorg-13371	366	10	with	with	ADP
fueconorg-13371	366	11	subsequent	subsequent	ADJ
fueconorg-13371	366	12	reinsurance	reinsurance	NOUN
fueconorg-13371	366	13	cover	cover	NOUN
fueconorg-13371	366	14	to	to	PART
fueconorg-13371	366	15	increase	increase	VERB
fueconorg-13371	366	16	their	their	PRON
fueconorg-13371	366	17	returns	return	NOUN
fueconorg-13371	366	18	.	.	PUNCT
fueconorg-13371	367	1	product	product	NOUN
fueconorg-13371	367	2	diversification	diversification	NOUN
fueconorg-13371	367	3	will	will	AUX
fueconorg-13371	367	4	stabilize	stabilize	VERB
fueconorg-13371	367	5	their	their	PRON
fueconorg-13371	367	6	revenue	revenue	NOUN
fueconorg-13371	367	7	streams	stream	NOUN
fueconorg-13371	367	8	and	and	CCONJ
fueconorg-13371	367	9	reduce	reduce	VERB
fueconorg-13371	367	10	the	the	DET
fueconorg-13371	367	11	dependency	dependency	NOUN
fueconorg-13371	367	12	on	on	ADP
fueconorg-13371	367	13	particular	particular	ADJ
fueconorg-13371	367	14	lines	line	NOUN
fueconorg-13371	367	15	of	of	ADP
fueconorg-13371	367	16	business	business	NOUN
fueconorg-13371	367	17	.	.	PUNCT
fueconorg-13371	368	1	increased	increase	VERB
fueconorg-13371	368	2	product	product	NOUN
fueconorg-13371	368	3	diversification	diversification	NOUN
fueconorg-13371	368	4	and	and	CCONJ
fueconorg-13371	368	5	increased	increase	VERB
fueconorg-13371	368	6	reinsurance	reinsurance	NOUN
fueconorg-13371	368	7	cover	cover	NOUN
fueconorg-13371	368	8	would	would	AUX
fueconorg-13371	368	9	generate	generate	VERB
fueconorg-13371	368	10	greater	great	ADJ
fueconorg-13371	368	11	premiums	premium	NOUN
fueconorg-13371	368	12	which	which	PRON
fueconorg-13371	368	13	can	can	AUX
fueconorg-13371	368	14	be	be	AUX
fueconorg-13371	368	15	channeled	channel	VERB
fueconorg-13371	368	16	towards	towards	ADP
fueconorg-13371	368	17	capital	capital	NOUN
fueconorg-13371	368	18	adequacy	adequacy	NOUN
fueconorg-13371	368	19	and	and	CCONJ
fueconorg-13371	368	20	financial	financial	ADJ
fueconorg-13371	368	21	stability	stability	NOUN
fueconorg-13371	368	22	.	.	PUNCT
fueconorg-13371	369	1	this	this	DET
fueconorg-13371	369	2	strategy	strategy	NOUN
fueconorg-13371	369	3	will	will	AUX
fueconorg-13371	369	4	promote	promote	VERB
fueconorg-13371	369	5	effective	effective	ADJ
fueconorg-13371	369	6	risk	risk	NOUN
fueconorg-13371	369	7	management	management	NOUN
fueconorg-13371	369	8	,	,	PUNCT
fueconorg-13371	369	9	capital	capital	NOUN
fueconorg-13371	369	10	efficiency	efficiency	NOUN
fueconorg-13371	369	11	,	,	PUNCT
fueconorg-13371	369	12	competitive	competitive	ADJ
fueconorg-13371	369	13	advantage	advantage	NOUN
fueconorg-13371	369	14	and	and	CCONJ
fueconorg-13371	369	15	enhanced	enhance	VERB
fueconorg-13371	369	16	financial	financial	ADJ
fueconorg-13371	369	17	performance	performance	NOUN
fueconorg-13371	369	18	.	.	PUNCT
fueconorg-13371	370	1	it	it	PRON
fueconorg-13371	370	2	will	will	AUX
fueconorg-13371	370	3	also	also	ADV
fueconorg-13371	370	4	enhance	enhance	VERB
fueconorg-13371	370	5	shareholder	shareholder	NOUN
fueconorg-13371	370	6	value	value	NOUN
fueconorg-13371	370	7	and	and	CCONJ
fueconorg-13371	370	8	improve	improve	VERB
fueconorg-13371	370	9	the	the	DET
fueconorg-13371	370	10	long	long	ADJ
fueconorg-13371	370	11	-	-	PUNCT
fueconorg-13371	370	12	term	term	NOUN
fueconorg-13371	370	13	business	business	NOUN
fueconorg-13371	370	14	survival	survival	NOUN
fueconorg-13371	370	15	.	.	PUNCT
fueconorg-13371	371	1	vi	vi	X
fueconorg-13371	371	2	.	.	PUNCT
fueconorg-13371	371	3	insurers	insurer	NOUN
fueconorg-13371	371	4	should	should	AUX
fueconorg-13371	371	5	strive	strive	VERB
fueconorg-13371	371	6	to	to	PART
fueconorg-13371	371	7	maintain	maintain	VERB
fueconorg-13371	371	8	high	high	ADJ
fueconorg-13371	371	9	equity	equity	NOUN
fueconorg-13371	371	10	levels	level	NOUN
fueconorg-13371	371	11	to	to	PART
fueconorg-13371	371	12	make	make	VERB
fueconorg-13371	371	13	up	up	ADP
fueconorg-13371	371	14	for	for	ADP
fueconorg-13371	371	15	low	low	ADJ
fueconorg-13371	371	16	cessions	cession	NOUN
fueconorg-13371	371	17	of	of	ADP
fueconorg-13371	371	18	risk	risk	NOUN
fueconorg-13371	371	19	.	.	PUNCT
fueconorg-13371	372	1	high	high	ADJ
fueconorg-13371	372	2	equity	equity	NOUN
fueconorg-13371	372	3	levels	level	NOUN
fueconorg-13371	372	4	would	would	AUX
fueconorg-13371	372	5	bolster	bolster	VERB
fueconorg-13371	372	6	the	the	DET
fueconorg-13371	372	7	capital	capital	NOUN
fueconorg-13371	372	8	base	base	NOUN
fueconorg-13371	372	9	and	and	CCONJ
fueconorg-13371	372	10	reserves	reserve	NOUN
fueconorg-13371	372	11	of	of	ADP
fueconorg-13371	372	12	the	the	DET
fueconorg-13371	372	13	insurers	insurer	NOUN
fueconorg-13371	372	14	increasing	increase	VERB
fueconorg-13371	372	15	their	their	PRON
fueconorg-13371	372	16	capacity	capacity	NOUN
fueconorg-13371	372	17	to	to	PART
fueconorg-13371	372	18	contain	contain	VERB
fueconorg-13371	372	19	significant	significant	ADJ
fueconorg-13371	372	20	losses	loss	NOUN
fueconorg-13371	372	21	,	,	PUNCT
fueconorg-13371	372	22	perform	perform	VERB
fueconorg-13371	372	23	their	their	PRON
fueconorg-13371	372	24	obligations	obligation	NOUN
fueconorg-13371	372	25	to	to	ADP
fueconorg-13371	372	26	policyholders	policyholder	NOUN
fueconorg-13371	372	27	,	,	PUNCT
fueconorg-13371	372	28	comply	comply	ADJ
fueconorg-13371	372	29	with	with	ADP
fueconorg-13371	372	30	regulatory	regulatory	ADJ
fueconorg-13371	372	31	requirements	requirement	NOUN
fueconorg-13371	372	32	,	,	PUNCT
fueconorg-13371	372	33	and	and	CCONJ
fueconorg-13371	372	34	enhance	enhance	VERB
fueconorg-13371	372	35	their	their	PRON
fueconorg-13371	372	36	profitability	profitability	NOUN
fueconorg-13371	372	37	and	and	CCONJ
fueconorg-13371	372	38	overall	overall	ADJ
fueconorg-13371	372	39	performance	performance	NOUN
fueconorg-13371	372	40	.	.	PUNCT
fueconorg-13371	373	1	it	it	PRON
fueconorg-13371	373	2	would	would	AUX
fueconorg-13371	373	3	also	also	ADV
fueconorg-13371	373	4	serve	serve	VERB
fueconorg-13371	373	5	as	as	ADP
fueconorg-13371	373	6	a	a	DET
fueconorg-13371	373	7	robust	robust	ADJ
fueconorg-13371	373	8	risk	risk	NOUN
fueconorg-13371	373	9	buffer	buffer	NOUN
fueconorg-13371	373	10	,	,	PUNCT
fueconorg-13371	373	11	promote	promote	VERB
fueconorg-13371	373	12	competitive	competitive	ADJ
fueconorg-13371	373	13	advantage	advantage	NOUN
fueconorg-13371	373	14	,	,	PUNCT
fueconorg-13371	373	15	and	and	CCONJ
fueconorg-13371	373	16	keep	keep	VERB
fueconorg-13371	373	17	the	the	DET
fueconorg-13371	373	18	insurer	insurer	NOUN
fueconorg-13371	373	19	in	in	ADP
fueconorg-13371	373	20	a	a	DET
fueconorg-13371	373	21	position	position	NOUN
fueconorg-13371	373	22	to	to	PART
fueconorg-13371	373	23	thrive	thrive	VERB
fueconorg-13371	373	24	in	in	ADP
fueconorg-13371	373	25	the	the	DET
fueconorg-13371	373	26	competitive	competitive	ADJ
fueconorg-13371	373	27	and	and	CCONJ
fueconorg-13371	373	28	dynamic	dynamic	ADJ
fueconorg-13371	373	29	insurance	insurance	NOUN
fueconorg-13371	373	30	market	market	NOUN
fueconorg-13371	373	31	.	.	PUNCT
fueconorg-13371	374	1	references	reference	NOUN
fueconorg-13371	374	2	abass	abass	PROPN
fueconorg-13371	374	3	,	,	PUNCT
fueconorg-13371	374	4	o.	o.	PROPN
fueconorg-13371	374	5	,	,	PUNCT
fueconorg-13371	374	6	&	&	CCONJ
fueconorg-13371	374	7	obalola	obalola	PROPN
fueconorg-13371	374	8	,	,	PUNCT
fueconorg-13371	374	9	m.	m.	NOUN
fueconorg-13371	374	10	(	(	PUNCT
fueconorg-13371	374	11	2018	2018	NUM
fueconorg-13371	374	12	)	)	PUNCT
fueconorg-13371	374	13	.	.	PUNCT
fueconorg-13371	375	1	reinsurance	reinsurance	NOUN
fueconorg-13371	375	2	utilization	utilization	NOUN
fueconorg-13371	375	3	and	and	CCONJ
fueconorg-13371	375	4	performance	performance	NOUN
fueconorg-13371	375	5	of	of	ADP
fueconorg-13371	375	6	non	non	ADJ
fueconorg-13371	375	7	-	-	ADJ
fueconorg-13371	375	8	life	life	ADJ
fueconorg-13371	375	9	business	business	NOUN
fueconorg-13371	375	10	in	in	ADP
fueconorg-13371	375	11	the	the	DET
fueconorg-13371	375	12	nigerian	nigerian	ADJ
fueconorg-13371	375	13	insurance	insurance	NOUN
fueconorg-13371	375	14	industry	industry	NOUN
fueconorg-13371	375	15	:	:	PUNCT
fueconorg-13371	375	16	a	a	DET
fueconorg-13371	375	17	mixed	mixed	ADJ
fueconorg-13371	375	18	methods	method	NOUN
fueconorg-13371	375	19	approach	approach	NOUN
fueconorg-13371	375	20	.	.	PUNCT
fueconorg-13371	376	1	the	the	DET
fueconorg-13371	376	2	journal	journal	NOUN
fueconorg-13371	376	3	of	of	ADP
fueconorg-13371	376	4	risk	risk	NOUN
fueconorg-13371	376	5	management	management	NOUN
fueconorg-13371	376	6	and	and	CCONJ
fueconorg-13371	376	7	insurance	insurance	NOUN
fueconorg-13371	376	8	,	,	PUNCT
fueconorg-13371	376	9	22(2	22(2	NUM
fueconorg-13371	376	10	)	)	PUNCT
fueconorg-13371	376	11	,	,	PUNCT
fueconorg-13371	376	12	18	18	NUM
fueconorg-13371	376	13	-	-	SYM
fueconorg-13371	376	14	30	30	NUM
fueconorg-13371	376	15	.	.	PUNCT
fueconorg-13371	377	1	abass	abass	PROPN
fueconorg-13371	377	2	,	,	PUNCT
fueconorg-13371	377	3	o.	o.	PROPN
fueconorg-13371	377	4	a.	a.	PROPN
fueconorg-13371	377	5	,	,	PUNCT
fueconorg-13371	377	6	&	&	CCONJ
fueconorg-13371	377	7	olubusade	olubusade	PROPN
fueconorg-13371	377	8	,	,	PUNCT
fueconorg-13371	377	9	t.	t.	PROPN
fueconorg-13371	377	10	j.	j.	PROPN
fueconorg-13371	377	11	(	(	PUNCT
fueconorg-13371	377	12	2023	2023	NUM
fueconorg-13371	377	13	)	)	PUNCT
fueconorg-13371	377	14	.	.	PUNCT
fueconorg-13371	378	1	effects	effect	NOUN
fueconorg-13371	378	2	of	of	ADP
fueconorg-13371	378	3	reinsurance	reinsurance	NOUN
fueconorg-13371	378	4	utilization	utilization	NOUN
fueconorg-13371	378	5	on	on	ADP
fueconorg-13371	378	6	the	the	DET
fueconorg-13371	378	7	capital	capital	NOUN
fueconorg-13371	378	8	adequacy	adequacy	NOUN
fueconorg-13371	378	9	of	of	ADP
fueconorg-13371	378	10	non	non	ADJ
fueconorg-13371	378	11	-	-	ADJ
fueconorg-13371	378	12	life	life	ADJ
fueconorg-13371	378	13	insurance	insurance	NOUN
fueconorg-13371	378	14	companies	company	NOUN
fueconorg-13371	378	15	in	in	ADP
fueconorg-13371	378	16	nigeria	nigeria	PROPN
fueconorg-13371	378	17	.	.	PUNCT
fueconorg-13371	379	1	acta	acta	PROPN
fueconorg-13371	379	2	universitatis	universitatis	PROPN
fueconorg-13371	379	3	danubus	danubus	PROPN
fueconorg-13371	379	4	,	,	PUNCT
fueconorg-13371	379	5	19(2	19(2	NUM
fueconorg-13371	379	6	)	)	PUNCT
fueconorg-13371	379	7	,	,	PUNCT
fueconorg-13371	379	8	116–125	116–125	NUM
fueconorg-13371	379	9	.	.	PUNCT
fueconorg-13371	380	1	retrieved	retrieve	VERB
fueconorg-13371	380	2	from	from	ADP
fueconorg-13371	380	3	https://dj.univ-danubius.ro/index.php/audoe/article/view/2301	https://dj.univ-danubius.ro/index.php/audoe/article/view/2301	NOUN
fueconorg-13371	380	4	adiel	adiel	PROPN
fueconorg-13371	380	5	,	,	PUNCT
fueconorg-13371	380	6	r.	r.	PROPN
fueconorg-13371	380	7	(	(	PUNCT
fueconorg-13371	380	8	1996	1996	NUM
fueconorg-13371	380	9	)	)	PUNCT
fueconorg-13371	380	10	.	.	PUNCT
fueconorg-13371	381	1	reinsurance	reinsurance	NOUN
fueconorg-13371	381	2	and	and	CCONJ
fueconorg-13371	381	3	the	the	DET
fueconorg-13371	381	4	management	management	NOUN
fueconorg-13371	381	5	of	of	ADP
fueconorg-13371	381	6	regulatory	regulatory	ADJ
fueconorg-13371	381	7	ratios	ratio	NOUN
fueconorg-13371	381	8	and	and	CCONJ
fueconorg-13371	381	9	taxes	taxis	NOUN
fueconorg-13371	381	10	in	in	ADP
fueconorg-13371	381	11	the	the	DET
fueconorg-13371	381	12	property	property	NOUN
fueconorg-13371	381	13	-	-	PUNCT
fueconorg-13371	381	14	casualty	casualty	NOUN
fueconorg-13371	381	15	insurance	insurance	NOUN
fueconorg-13371	381	16	industry	industry	NOUN
fueconorg-13371	381	17	.	.	PUNCT
fueconorg-13371	382	1	journal	journal	PROPN
fueconorg-13371	382	2	of	of	ADP
fueconorg-13371	382	3	accounting	accounting	NOUN
fueconorg-13371	382	4	and	and	CCONJ
fueconorg-13371	382	5	economics	economic	NOUN
fueconorg-13371	382	6	,	,	PUNCT
fueconorg-13371	382	7	22	22	NUM
fueconorg-13371	382	8	,	,	PUNCT
fueconorg-13371	382	9	207	207	NUM
fueconorg-13371	382	10	-	-	SYM
fueconorg-13371	382	11	240	240	NUM
fueconorg-13371	382	12	.	.	PUNCT
fueconorg-13371	382	13	https://doi.org/10.1016/s01654101(96)00436-3	https://doi.org/10.1016/s01654101(96)00436-3	VERB
fueconorg-13371	382	14	aduloju	aduloju	PROPN
fueconorg-13371	382	15	,	,	PUNCT
fueconorg-13371	382	16	s.	s.	PROPN
fueconorg-13371	382	17	a.	a.	PROPN
fueconorg-13371	382	18	,	,	PUNCT
fueconorg-13371	382	19	&	&	CCONJ
fueconorg-13371	382	20	ajemunigbohun	ajemunigbohun	PROPN
fueconorg-13371	382	21	,	,	PUNCT
fueconorg-13371	382	22	s.	s.	PROPN
fueconorg-13371	382	23	s.	s.	PROPN
fueconorg-13371	382	24	(	(	PUNCT
fueconorg-13371	382	25	2017	2017	NUM
fueconorg-13371	382	26	)	)	PUNCT
fueconorg-13371	382	27	.	.	PUNCT
fueconorg-13371	383	1	reinsurance	reinsurance	NOUN
fueconorg-13371	383	2	and	and	CCONJ
fueconorg-13371	383	3	performance	performance	NOUN
fueconorg-13371	383	4	of	of	ADP
fueconorg-13371	383	5	the	the	DET
fueconorg-13371	383	6	ceding	cede	VERB
fueconorg-13371	383	7	companies	company	NOUN
fueconorg-13371	383	8	:	:	PUNCT
fueconorg-13371	383	9	the	the	DET
fueconorg-13371	383	10	nigerian	nigerian	ADJ
fueconorg-13371	383	11	insurance	insurance	NOUN
fueconorg-13371	383	12	industry	industry	NOUN
fueconorg-13371	383	13	experience	experience	NOUN
fueconorg-13371	383	14	.	.	PUNCT
fueconorg-13371	384	1	economics	economic	NOUN
fueconorg-13371	384	2	and	and	CCONJ
fueconorg-13371	384	3	business	business	NOUN
fueconorg-13371	384	4	,	,	PUNCT
fueconorg-13371	384	5	31	31	NUM
fueconorg-13371	384	6	,	,	PUNCT
fueconorg-13371	384	7	19	19	NUM
fueconorg-13371	384	8	-	-	SYM
fueconorg-13371	384	9	29	29	NUM
fueconorg-13371	384	10	.	.	PUNCT
fueconorg-13371	385	1	http://dx.doi.org/10.1515/eb2017-0015	http://dx.doi.org/10.1515/eb2017-0015	PROPN
fueconorg-13371	385	2	akande	akande	PROPN
fueconorg-13371	385	3	,	,	PUNCT
fueconorg-13371	385	4	a.	a.	PROPN
fueconorg-13371	385	5	,	,	PUNCT
fueconorg-13371	385	6	samuel	samuel	PROPN
fueconorg-13371	385	7	,	,	PUNCT
fueconorg-13371	385	8	s.	s.	PROPN
fueconorg-13371	385	9	e.	e.	PROPN
fueconorg-13371	385	10	,	,	PUNCT
fueconorg-13371	385	11	&	&	CCONJ
fueconorg-13371	385	12	iyodo	iyodo	PROPN
fueconorg-13371	385	13	,	,	PUNCT
fueconorg-13371	385	14	b.	b.	PROPN
fueconorg-13371	385	15	y.	y.	PROPN
fueconorg-13371	385	16	(	(	PUNCT
fueconorg-13371	385	17	2020	2020	NUM
fueconorg-13371	385	18	)	)	PUNCT
fueconorg-13371	385	19	.	.	PUNCT
fueconorg-13371	386	1	recapitalization	recapitalization	NOUN
fueconorg-13371	386	2	and	and	CCONJ
fueconorg-13371	386	3	the	the	DET
fueconorg-13371	386	4	financial	financial	ADJ
fueconorg-13371	386	5	performance	performance	NOUN
fueconorg-13371	386	6	of	of	ADP
fueconorg-13371	386	7	firms	firm	NOUN
fueconorg-13371	386	8	:	:	PUNCT
fueconorg-13371	386	9	empirical	empirical	ADJ
fueconorg-13371	386	10	evidence	evidence	NOUN
fueconorg-13371	386	11	from	from	ADP
fueconorg-13371	386	12	the	the	DET
fueconorg-13371	386	13	insurance	insurance	NOUN
fueconorg-13371	386	14	industry	industry	NOUN
fueconorg-13371	386	15	in	in	ADP
fueconorg-13371	386	16	nigeria	nigeria	PROPN
fueconorg-13371	386	17	.	.	PUNCT
fueconorg-13371	387	1	european	european	PROPN
fueconorg-13371	387	2	journal	journal	PROPN
fueconorg-13371	387	3	of	of	ADP
fueconorg-13371	387	4	business	business	NOUN
fueconorg-13371	387	5	and	and	CCONJ
fueconorg-13371	387	6	management	management	NOUN
fueconorg-13371	387	7	,	,	PUNCT
fueconorg-13371	387	8	12(23	12(23	NOUN
fueconorg-13371	387	9	)	)	PUNCT
fueconorg-13371	387	10	,	,	PUNCT
fueconorg-13371	387	11	59	59	NUM
fueconorg-13371	387	12	-	-	SYM
fueconorg-13371	387	13	68	68	NUM
fueconorg-13371	387	14	.	.	PUNCT
fueconorg-13371	388	1	http://dx.doi.org/10.7176/ejbm/12-23-07	http://dx.doi.org/10.7176/ejbm/12-23-07	PROPN
fueconorg-13371	388	2	arellano	arellano	PROPN
fueconorg-13371	388	3	,	,	PUNCT
fueconorg-13371	388	4	m.	m.	NOUN
fueconorg-13371	388	5	,	,	PUNCT
fueconorg-13371	388	6	&	&	CCONJ
fueconorg-13371	388	7	bond	bond	PROPN
fueconorg-13371	388	8	,	,	PUNCT
fueconorg-13371	388	9	s.	s.	PROPN
fueconorg-13371	388	10	(	(	PUNCT
fueconorg-13371	388	11	1991	1991	NUM
fueconorg-13371	388	12	)	)	PUNCT
fueconorg-13371	388	13	.	.	PUNCT
fueconorg-13371	389	1	some	some	DET
fueconorg-13371	389	2	tests	test	NOUN
fueconorg-13371	389	3	of	of	ADP
fueconorg-13371	389	4	specification	specification	NOUN
fueconorg-13371	389	5	for	for	ADP
fueconorg-13371	389	6	panel	panel	NOUN
fueconorg-13371	389	7	data	datum	NOUN
fueconorg-13371	389	8	:	:	PUNCT
fueconorg-13371	389	9	monte	monte	PROPN
fueconorg-13371	389	10	carlo	carlo	PROPN
fueconorg-13371	389	11	evidence	evidence	NOUN
fueconorg-13371	389	12	and	and	CCONJ
fueconorg-13371	389	13	an	an	DET
fueconorg-13371	389	14	application	application	NOUN
fueconorg-13371	389	15	to	to	ADP
fueconorg-13371	389	16	employment	employment	NOUN
fueconorg-13371	389	17	equations	equation	NOUN
fueconorg-13371	389	18	.	.	PUNCT
fueconorg-13371	390	1	review	review	NOUN
fueconorg-13371	390	2	of	of	ADP
fueconorg-13371	390	3	economic	economic	ADJ
fueconorg-13371	390	4	studies	study	NOUN
fueconorg-13371	390	5	,	,	PUNCT
fueconorg-13371	390	6	58(2	58(2	NUM
fueconorg-13371	390	7	)	)	PUNCT
fueconorg-13371	390	8	,	,	PUNCT
fueconorg-13371	390	9	277	277	NUM
fueconorg-13371	390	10	-	-	SYM
fueconorg-13371	390	11	297	297	NUM
fueconorg-13371	390	12	.	.	PUNCT
fueconorg-13371	391	1	https://doi.org/10.2307/2297968	https://doi.org/10.2307/2297968	NUM
fueconorg-13371	391	2	aunon	aunon	PROPN
fueconorg-13371	391	3	-	-	PUNCT
fueconorg-13371	391	4	nerin	nerin	PROPN
fueconorg-13371	391	5	,	,	PUNCT
fueconorg-13371	391	6	d.	d.	PROPN
fueconorg-13371	391	7	,	,	PUNCT
fueconorg-13371	391	8	&	&	CCONJ
fueconorg-13371	391	9	ehling	ehling	PROPN
fueconorg-13371	391	10	,	,	PUNCT
fueconorg-13371	391	11	p.	p.	NOUN
fueconorg-13371	391	12	(	(	PUNCT
fueconorg-13371	391	13	2008	2008	NUM
fueconorg-13371	391	14	)	)	PUNCT
fueconorg-13371	391	15	.	.	PUNCT
fueconorg-13371	392	1	why	why	SCONJ
fueconorg-13371	392	2	firms	firm	NOUN
fueconorg-13371	392	3	purchase	purchase	VERB
fueconorg-13371	392	4	property	property	NOUN
fueconorg-13371	392	5	insurance	insurance	NOUN
fueconorg-13371	392	6	.	.	PUNCT
fueconorg-13371	393	1	journal	journal	NOUN
fueconorg-13371	393	2	of	of	ADP
fueconorg-13371	393	3	financial	financial	ADJ
fueconorg-13371	393	4	economics	economic	NOUN
fueconorg-13371	393	5	,	,	PUNCT
fueconorg-13371	393	6	90(3	90(3	NOUN
fueconorg-13371	393	7	)	)	PUNCT
fueconorg-13371	393	8	,	,	PUNCT
fueconorg-13371	393	9	298	298	NUM
fueconorg-13371	393	10	-	-	SYM
fueconorg-13371	393	11	312	312	NUM
fueconorg-13371	393	12	.	.	PUNCT
fueconorg-13371	394	1	https://doi.org/10.1016/j.jfineco.2008.01.003	https://doi.org/10.1016/j.jfineco.2008.01.003	PROPN
fueconorg-13371	394	2	blundell	blundell	PROPN
fueconorg-13371	394	3	,	,	PUNCT
fueconorg-13371	394	4	r.	r.	PROPN
fueconorg-13371	394	5	&	&	CCONJ
fueconorg-13371	394	6	bond	bond	PROPN
fueconorg-13371	394	7	,	,	PUNCT
fueconorg-13371	394	8	s.	s.	PROPN
fueconorg-13371	394	9	(	(	PUNCT
fueconorg-13371	394	10	1998	1998	NUM
fueconorg-13371	394	11	)	)	PUNCT
fueconorg-13371	394	12	.	.	PUNCT
fueconorg-13371	395	1	initial	initial	ADJ
fueconorg-13371	395	2	conditions	condition	NOUN
fueconorg-13371	395	3	and	and	CCONJ
fueconorg-13371	395	4	moment	moment	VERB
fueconorg-13371	395	5	restrictions	restriction	NOUN
fueconorg-13371	395	6	in	in	ADP
fueconorg-13371	395	7	dynamic	dynamic	ADJ
fueconorg-13371	395	8	panel	panel	NOUN
fueconorg-13371	395	9	data	datum	NOUN
fueconorg-13371	395	10	models	model	NOUN
fueconorg-13371	395	11	.	.	PUNCT
fueconorg-13371	396	1	journal	journal	NOUN
fueconorg-13371	396	2	of	of	ADP
fueconorg-13371	396	3	econometrics	econometric	NOUN
fueconorg-13371	396	4	,	,	PUNCT
fueconorg-13371	396	5	87(1	87(1	NUM
fueconorg-13371	396	6	)	)	PUNCT
fueconorg-13371	396	7	,	,	PUNCT
fueconorg-13371	396	8	115	115	NUM
fueconorg-13371	396	9	-	-	SYM
fueconorg-13371	396	10	143	143	NUM
fueconorg-13371	396	11	.	.	PUNCT
fueconorg-13371	397	1	https://doi.org/10.1016/s0304-4076(98)00009-8	https://doi.org/10.1016/s0304-4076(98)00009-8	PROPN
fueconorg-13371	397	2	boyer	boyer	PROPN
fueconorg-13371	397	3	,	,	PUNCT
fueconorg-13371	397	4	m.	m.	NOUN
fueconorg-13371	397	5	m.	m.	NOUN
fueconorg-13371	397	6	,	,	PUNCT
fueconorg-13371	397	7	&	&	CCONJ
fueconorg-13371	397	8	dupont	dupont	PROPN
fueconorg-13371	397	9	-	-	PUNCT
fueconorg-13371	397	10	courtade	courtade	NOUN
fueconorg-13371	397	11	,	,	PUNCT
fueconorg-13371	397	12	t.	t.	PROPN
fueconorg-13371	397	13	(	(	PUNCT
fueconorg-13371	397	14	2013	2013	NUM
fueconorg-13371	397	15	)	)	PUNCT
fueconorg-13371	397	16	.	.	PUNCT
fueconorg-13371	398	1	the	the	DET
fueconorg-13371	398	2	market	market	NOUN
fueconorg-13371	398	3	for	for	ADP
fueconorg-13371	398	4	reinsurance	reinsurance	NOUN
fueconorg-13371	398	5	.	.	PUNCT
fueconorg-13371	399	1	scientific	scientific	ADJ
fueconorg-13371	399	2	series	series	NOUN
fueconorg-13371	399	3	.	.	PUNCT
fueconorg-13371	400	1	carneiro	carneiro	PROPN
fueconorg-13371	400	2	,	,	PUNCT
fueconorg-13371	400	3	l.a	l.a	PROPN
fueconorg-13371	400	4	.	.	PROPN
fueconorg-13371	400	5	&	&	CCONJ
fueconorg-13371	400	6	sherris	sherris	PROPN
fueconorg-13371	400	7	,	,	PUNCT
fueconorg-13371	400	8	m.	m.	NOUN
fueconorg-13371	400	9	(	(	PUNCT
fueconorg-13371	400	10	2005	2005	NUM
fueconorg-13371	400	11	)	)	PUNCT
fueconorg-13371	400	12	.	.	PUNCT
fueconorg-13371	401	1	demand	demand	NOUN
fueconorg-13371	401	2	for	for	ADP
fueconorg-13371	401	3	reinsurance	reinsurance	NOUN
fueconorg-13371	401	4	:	:	PUNCT
fueconorg-13371	401	5	evidence	evidence	NOUN
fueconorg-13371	401	6	from	from	ADP
fueconorg-13371	401	7	australian	australian	ADJ
fueconorg-13371	401	8	insurers	insurer	NOUN
fueconorg-13371	401	9	.	.	PUNCT
fueconorg-13371	402	1	(	(	PUNCT
fueconorg-13371	402	2	working	work	VERB
fueconorg-13371	402	3	paper	paper	NOUN
fueconorg-13371	402	4	:	:	PUNCT
fueconorg-13371	402	5	june	june	PROPN
fueconorg-13371	402	6	10	10	NUM
fueconorg-13371	402	7	,	,	PUNCT
fueconorg-13371	402	8	2005	2005	NUM
fueconorg-13371	402	9	)	)	PUNCT
fueconorg-13371	402	10	.	.	PUNCT
fueconorg-13371	403	1	australia	australia	PROPN
fueconorg-13371	403	2	:	:	PUNCT
fueconorg-13371	403	3	university	university	NOUN
fueconorg-13371	403	4	of	of	ADP
fueconorg-13371	403	5	new	new	ADJ
fueconorg-13371	403	6	south	south	PROPN
fueconorg-13371	403	7	wales	wales	PROPN
fueconorg-13371	403	8	.	.	PUNCT
fueconorg-13371	404	1	retrieved	retrieve	VERB
fueconorg-13371	404	2	from	from	ADP
fueconorg-13371	404	3	https://wwwdocs.fce.unsw	https://wwwdocs.fce.unsw	PROPN
fueconorg-13371	404	4	.	.	PUNCT
fueconorg-13371	405	1	edu.au/actuarial/research/papers/2005/gutoreinsurancewinedv5.pdf	edu.au/actuarial/research/papers/2005/gutoreinsurancewinedv5.pdf	PROPN
fueconorg-13371	405	2	cedar	cedar	PROPN
fueconorg-13371	405	3	,	,	PUNCT
fueconorg-13371	405	4	d.	d.	PROPN
fueconorg-13371	405	5	&	&	CCONJ
fueconorg-13371	405	6	thompson	thompson	PROPN
fueconorg-13371	405	7	,	,	PUNCT
fueconorg-13371	405	8	a.	a.	NOUN
fueconorg-13371	405	9	(	(	PUNCT
fueconorg-13371	405	10	2020	2020	NUM
fueconorg-13371	405	11	)	)	PUNCT
fueconorg-13371	405	12	.	.	PUNCT
fueconorg-13371	406	1	reinsurance	reinsurance	NOUN
fueconorg-13371	406	2	accounting	accounting	NOUN
fueconorg-13371	406	3	&	&	CCONJ
fueconorg-13371	406	4	strategy	strategy	NOUN
fueconorg-13371	406	5	for	for	ADP
fueconorg-13371	406	6	the	the	DET
fueconorg-13371	406	7	actuary	actuary	NOUN
fueconorg-13371	406	8	.	.	PUNCT
fueconorg-13371	407	1	available	available	ADJ
fueconorg-13371	407	2	at	at	ADP
fueconorg-13371	407	3	https://www.casact.org/sites/default/files/2021-03/6u_cedar.pdf	https://www.casact.org/sites/default/files/2021-03/6u_cedar.pdf	PROPN
fueconorg-13371	407	4	[	[	X
fueconorg-13371	407	5	accessed	access	VERB
fueconorg-13371	407	6	on	on	ADP
fueconorg-13371	407	7	20.06.2025	20.06.2025	NUM
fueconorg-13371	407	8	]	]	PUNCT
fueconorg-13371	407	9	.	.	PUNCT
fueconorg-13371	408	1	cole	cole	PROPN
fueconorg-13371	408	2	,	,	PUNCT
fueconorg-13371	408	3	c.	c.	PROPN
fueconorg-13371	408	4	r.	r.	PROPN
fueconorg-13371	408	5	,	,	PUNCT
fueconorg-13371	408	6	&	&	CCONJ
fueconorg-13371	408	7	mccullough	mccullough	PROPN
fueconorg-13371	408	8	,	,	PUNCT
fueconorg-13371	408	9	k.	k.	PROPN
fueconorg-13371	408	10	a.	a.	PROPN
fueconorg-13371	408	11	(	(	PUNCT
fueconorg-13371	408	12	2006	2006	NUM
fueconorg-13371	408	13	)	)	PUNCT
fueconorg-13371	408	14	.	.	PUNCT
fueconorg-13371	409	1	a	a	DET
fueconorg-13371	409	2	re	re	NOUN
fueconorg-13371	409	3	-	-	NOUN
fueconorg-13371	409	4	examination	examination	NOUN
fueconorg-13371	409	5	of	of	ADP
fueconorg-13371	409	6	the	the	DET
fueconorg-13371	409	7	corporate	corporate	ADJ
fueconorg-13371	409	8	demand	demand	NOUN
fueconorg-13371	409	9	for	for	ADP
fueconorg-13371	409	10	reinsurance	reinsurance	NOUN
fueconorg-13371	409	11	.	.	PUNCT
fueconorg-13371	410	1	the	the	DET
fueconorg-13371	410	2	journal	journal	NOUN
fueconorg-13371	410	3	of	of	ADP
fueconorg-13371	410	4	risk	risk	NOUN
fueconorg-13371	410	5	insurance	insurance	NOUN
fueconorg-13371	410	6	,	,	PUNCT
fueconorg-13371	410	7	7(3	7(3	NUM
fueconorg-13371	410	8	)	)	PUNCT
fueconorg-13371	410	9	,	,	PUNCT
fueconorg-13371	410	10	169	169	NUM
fueconorg-13371	410	11	-	-	SYM
fueconorg-13371	410	12	192	192	NUM
fueconorg-13371	410	13	.	.	PUNCT
fueconorg-13371	411	1	https://doi.org/10.1111/j.1539-6975.2006.00170.x	https://doi.org/10.1111/j.1539-6975.2006.00170.x	PROPN
fueconorg-13371	411	2	cole	cole	PROPN
fueconorg-13371	411	3	,	,	PUNCT
fueconorg-13371	411	4	c.	c.	PROPN
fueconorg-13371	411	5	r.	r.	PROPN
fueconorg-13371	411	6	,	,	PUNCT
fueconorg-13371	411	7	macpherson	macpherson	PROPN
fueconorg-13371	411	8	,	,	PUNCT
fueconorg-13371	411	9	d.	d.	PROPN
fueconorg-13371	411	10	a.	a.	PROPN
fueconorg-13371	411	11	,	,	PUNCT
fueconorg-13371	411	12	maroney	maroney	PROPN
fueconorg-13371	411	13	,	,	PUNCT
fueconorg-13371	411	14	p.	p.	PROPN
fueconorg-13371	411	15	f.	f.	PROPN
fueconorg-13371	411	16	,	,	PUNCT
fueconorg-13371	411	17	mccullough	mccullough	PROPN
fueconorg-13371	411	18	,	,	PUNCT
fueconorg-13371	411	19	k.	k.	PROPN
fueconorg-13371	411	20	a.	a.	PROPN
fueconorg-13371	411	21	,	,	PUNCT
fueconorg-13371	411	22	newman	newman	PROPN
fueconorg-13371	411	23	,	,	PUNCT
fueconorg-13371	411	24	jr	jr	PROPN
fueconorg-13371	411	25	,	,	PUNCT
fueconorg-13371	411	26	j.	j.	PROPN
fueconorg-13371	411	27	w.	w.	PROPN
fueconorg-13371	411	28	,	,	PUNCT
fueconorg-13371	411	29	&	&	CCONJ
fueconorg-13371	411	30	nyce	nyce	PROPN
fueconorg-13371	411	31	,	,	PUNCT
fueconorg-13371	411	32	c.	c.	PROPN
fueconorg-13371	411	33	(	(	PUNCT
fueconorg-13371	411	34	2011	2011	NUM
fueconorg-13371	411	35	)	)	PUNCT
fueconorg-13371	411	36	.	.	PUNCT
fueconorg-13371	412	1	the	the	DET
fueconorg-13371	412	2	use	use	NOUN
fueconorg-13371	412	3	of	of	ADP
fueconorg-13371	412	4	post	post	ADJ
fueconorg-13371	412	5	-	-	ADJ
fueconorg-13371	412	6	loss	loss	ADJ
fueconorg-13371	412	7	financing	financing	NOUN
fueconorg-13371	412	8	of	of	ADP
fueconorg-13371	412	9	catastrophic	catastrophic	ADJ
fueconorg-13371	412	10	risk	risk	NOUN
fueconorg-13371	412	11	.	.	PUNCT
fueconorg-13371	413	1	risk	risk	NOUN
fueconorg-13371	413	2	management	management	NOUN
fueconorg-13371	413	3	and	and	CCONJ
fueconorg-13371	413	4	insurance	insurance	NOUN
fueconorg-13371	413	5	review	review	NOUN
fueconorg-13371	413	6	,	,	PUNCT
fueconorg-13371	413	7	14(2	14(2	NUM
fueconorg-13371	413	8	)	)	PUNCT
fueconorg-13371	413	9	,	,	PUNCT
fueconorg-13371	413	10	265	265	NUM
fueconorg-13371	413	11	-	-	SYM
fueconorg-13371	413	12	298	298	NUM
fueconorg-13371	413	13	.	.	PUNCT
fueconorg-13371	414	1	https://doi.org/10.1111/j.1540-6296.2011.01199.x	https://doi.org/10.1111/j.1540-6296.2011.01199.x	PROPN
fueconorg-13371	414	2	https://dj.univ-danubius.ro/index.php/audoe/article/view/2301	https://dj.univ-danubius.ro/index.php/audoe/article/view/2301	ADJ
fueconorg-13371	414	3	https://doi.org/10.1016/s0165-4101(96)00436-3	https://doi.org/10.1016/s0165-4101(96)00436-3	NOUN
fueconorg-13371	414	4	https://doi.org/10.1016/s0165-4101(96)00436-3	https://doi.org/10.1016/s0165-4101(96)00436-3	VERB
fueconorg-13371	414	5	http://dx.doi.org/10.1515/eb-2017-0015	http://dx.doi.org/10.1515/eb-2017-0015	AUX
fueconorg-13371	414	6	http://dx.doi.org/10.1515/eb-2017-0015	http://dx.doi.org/10.1515/eb-2017-0015	VERB
fueconorg-13371	414	7	http://dx.doi.org/10.7176/ejbm/12-23-07	http://dx.doi.org/10.7176/ejbm/12-23-07	PROPN
fueconorg-13371	414	8	https://doi.org/10.2307/2297968	https://doi.org/10.2307/2297968	NUM
fueconorg-13371	414	9	https://doi.org/10.1016/j.jfineco.2008.01.003	https://doi.org/10.1016/j.jfineco.2008.01.003	PROPN
fueconorg-13371	414	10	https://doi.org/10.1016/s0304-4076(98)00009-8	https://doi.org/10.1016/s0304-4076(98)00009-8	PROPN
fueconorg-13371	414	11	https://www.casact.org/sites/default/files/2021-03/6u_cedar.pdf	https://www.casact.org/sites/default/files/2021-03/6u_cedar.pdf	PROPN
fueconorg-13371	414	12	https://doi.org/10.1111/j.1539-6975.2006.00170.x	https://doi.org/10.1111/j.1539-6975.2006.00170.x	VERB
fueconorg-13371	415	1	https://doi.org/10.1111/j.1540-6296.2011.01199.x	https://doi.org/10.1111/j.1540-6296.2011.01199.x	PROPN
fueconorg-13371	415	2	118	118	NUM
fueconorg-13371	415	3	m.	m.	NOUN
fueconorg-13371	415	4	s.	s.	PROPN
fueconorg-13371	415	5	ukpong	ukpong	PROPN
fueconorg-13371	415	6	,	,	PUNCT
fueconorg-13371	415	7	m.	m.	NOUN
fueconorg-13371	415	8	a.	a.	PROPN
fueconorg-13371	415	9	obalola	obalola	PROPN
fueconorg-13371	415	10	,	,	PUNCT
fueconorg-13371	415	11	i.	i.	PROPN
fueconorg-13371	415	12	adeleke	adeleke	PROPN
fueconorg-13371	415	13	comerford	comerford	PROPN
fueconorg-13371	415	14	,	,	PUNCT
fueconorg-13371	415	15	e.	e.	PROPN
fueconorg-13371	415	16	,	,	PUNCT
fueconorg-13371	415	17	fulcher	fulcher	NOUN
fueconorg-13371	415	18	,	,	PUNCT
fueconorg-13371	415	19	p.	p.	NOUN
fueconorg-13371	415	20	,	,	PUNCT
fueconorg-13371	415	21	beers	beer	NOUN
fueconorg-13371	415	22	,	,	PUNCT
fueconorg-13371	415	23	r.	r.	PROPN
fueconorg-13371	415	24	v.	v.	PROPN
fueconorg-13371	415	25	,	,	PUNCT
fueconorg-13371	415	26	&	&	CCONJ
fueconorg-13371	415	27	maher	maher	PROPN
fueconorg-13371	415	28	,	,	PUNCT
fueconorg-13371	415	29	r.	r.	PROPN
fueconorg-13371	415	30	(	(	PUNCT
fueconorg-13371	415	31	2020	2020	NUM
fueconorg-13371	415	32	)	)	PUNCT
fueconorg-13371	415	33	.	.	PUNCT
fueconorg-13371	416	1	reinsurance	reinsurance	NOUN
fueconorg-13371	416	2	as	as	ADP
fueconorg-13371	416	3	a	a	DET
fueconorg-13371	416	4	capital	capital	NOUN
fueconorg-13371	416	5	management	management	NOUN
fueconorg-13371	416	6	tool	tool	NOUN
fueconorg-13371	416	7	for	for	ADP
fueconorg-13371	416	8	life	life	NOUN
fueconorg-13371	416	9	insurance	insurance	NOUN
fueconorg-13371	416	10	.	.	PUNCT
fueconorg-13371	417	1	milliman	milliman	PROPN
fueconorg-13371	417	2	research	research	NOUN
fueconorg-13371	417	3	report	report	NOUN
fueconorg-13371	417	4	.	.	PUNCT
fueconorg-13371	418	1	available	available	ADJ
fueconorg-13371	418	2	at	at	ADP
fueconorg-13371	418	3	https://www.milliman.com/en/insight/reinsurance-as-acapital-management-tool-for-life-insurers	https://www.milliman.com/en/insight/reinsurance-as-acapital-management-tool-for-life-insurers	PRON
fueconorg-13371	418	4	[	[	X
fueconorg-13371	418	5	accessed	access	VERB
fueconorg-13371	418	6	20.06.25	20.06.25	NOUN
fueconorg-13371	418	7	]	]	PUNCT
fueconorg-13371	418	8	.	.	PUNCT
fueconorg-13371	419	1	cummins	cummins	PROPN
fueconorg-13371	419	2	,	,	PUNCT
fueconorg-13371	419	3	j.	j.	PROPN
fueconorg-13371	419	4	d.	d.	PROPN
fueconorg-13371	419	5	,	,	PUNCT
fueconorg-13371	419	6	dionne	dionne	PROPN
fueconorg-13371	419	7	,	,	PUNCT
fueconorg-13371	419	8	g.	g.	PROPN
fueconorg-13371	419	9	,	,	PUNCT
fueconorg-13371	419	10	gagne	gagne	PROPN
fueconorg-13371	419	11	,	,	PUNCT
fueconorg-13371	419	12	r.	r.	PROPN
fueconorg-13371	419	13	,	,	PUNCT
fueconorg-13371	419	14	&	&	CCONJ
fueconorg-13371	419	15	nouira	nouira	PROPN
fueconorg-13371	419	16	,	,	PUNCT
fueconorg-13371	419	17	a.	a.	NOUN
fueconorg-13371	419	18	(	(	PUNCT
fueconorg-13371	419	19	2021	2021	NUM
fueconorg-13371	419	20	)	)	PUNCT
fueconorg-13371	419	21	.	.	PUNCT
fueconorg-13371	420	1	the	the	DET
fueconorg-13371	420	2	costs	cost	NOUN
fueconorg-13371	420	3	and	and	CCONJ
fueconorg-13371	420	4	benefits	benefit	NOUN
fueconorg-13371	420	5	of	of	ADP
fueconorg-13371	420	6	reinsurance	reinsurance	NOUN
fueconorg-13371	420	7	.	.	PUNCT
fueconorg-13371	421	1	the	the	DET
fueconorg-13371	421	2	geneva	geneva	PROPN
fueconorg-13371	421	3	papers	paper	NOUN
fueconorg-13371	421	4	on	on	ADP
fueconorg-13371	421	5	risk	risk	NOUN
fueconorg-13371	421	6	and	and	CCONJ
fueconorg-13371	421	7	insurance	insurance	NOUN
fueconorg-13371	421	8	-	-	PUNCT
fueconorg-13371	421	9	issues	issue	NOUN
fueconorg-13371	421	10	and	and	CCONJ
fueconorg-13371	421	11	practice	practice	NOUN
fueconorg-13371	421	12	,	,	PUNCT
fueconorg-13371	421	13	46	46	NUM
fueconorg-13371	421	14	,	,	PUNCT
fueconorg-13371	421	15	177	177	NUM
fueconorg-13371	421	16	-	-	SYM
fueconorg-13371	421	17	199	199	NUM
fueconorg-13371	421	18	.	.	PUNCT
fueconorg-13371	422	1	http://dx.doi.org/10.1057/s41288-02100216-8	http://dx.doi.org/10.1057/s41288-02100216-8	PROPN
fueconorg-13371	422	2	cummins	cummins	PROPN
fueconorg-13371	422	3	,	,	PUNCT
fueconorg-13371	422	4	j.	j.	PROPN
fueconorg-13371	422	5	,	,	PUNCT
fueconorg-13371	422	6	dionne	dionne	PROPN
fueconorg-13371	422	7	,	,	PUNCT
fueconorg-13371	422	8	g.	g.	PROPN
fueconorg-13371	422	9	,	,	PUNCT
fueconorg-13371	422	10	&	&	CCONJ
fueconorg-13371	422	11	nouira	nouira	PROPN
fueconorg-13371	422	12	,	,	PUNCT
fueconorg-13371	422	13	a.	a.	NOUN
fueconorg-13371	422	14	(	(	PUNCT
fueconorg-13371	422	15	2008	2008	NUM
fueconorg-13371	422	16	)	)	PUNCT
fueconorg-13371	422	17	.	.	PUNCT
fueconorg-13371	423	1	the	the	DET
fueconorg-13371	423	2	costs	cost	NOUN
fueconorg-13371	423	3	and	and	CCONJ
fueconorg-13371	423	4	benefits	benefit	NOUN
fueconorg-13371	423	5	of	of	ADP
fueconorg-13371	423	6	reinsurance	reinsurance	NOUN
fueconorg-13371	423	7	.	.	PUNCT
fueconorg-13371	424	1	hec	hec	PROPN
fueconorg-13371	424	2	montreal	montreal	PROPN
fueconorg-13371	424	3	cahier	cahier	PROPN
fueconorg-13371	424	4	derecherche	derecherche	PROPN
fueconorg-13371	424	5	no	no	INTJ
fueconorg-13371	424	6	.	.	PUNCT
fueconorg-13371	425	1	iea-08	iea-08	NOUN
fueconorg-13371	425	2	-	-	SYM
fueconorg-13371	425	3	04	04	NUM
fueconorg-13371	425	4	.	.	PUNCT
fueconorg-13371	426	1	available	available	ADJ
fueconorg-13371	426	2	at	at	ADP
fueconorg-13371	426	3	ssrn1142954	ssrn1142954	PROPN
fueconorg-13371	426	4	[	[	X
fueconorg-13371	426	5	accessed	access	VERB
fueconorg-13371	426	6	on	on	ADP
fueconorg-13371	426	7	24.07.2023	24.07.2023	NUM
fueconorg-13371	426	8	]	]	PUNCT
fueconorg-13371	426	9	.	.	PUNCT
fueconorg-13371	427	1	dhaene	dhaene	PROPN
fueconorg-13371	427	2	,	,	PUNCT
fueconorg-13371	427	3	j.	j.	PROPN
fueconorg-13371	427	4	,	,	PUNCT
fueconorg-13371	427	5	van	van	PROPN
fueconorg-13371	427	6	hulle	hulle	PROPN
fueconorg-13371	427	7	,	,	PUNCT
fueconorg-13371	427	8	c.	c.	PROPN
fueconorg-13371	427	9	,	,	PUNCT
fueconorg-13371	427	10	wuyts	wuyts	PROPN
fueconorg-13371	427	11	,	,	PUNCT
fueconorg-13371	427	12	g.	g.	PROPN
fueconorg-13371	427	13	,	,	PUNCT
fueconorg-13371	427	14	schoubben	schoubben	PROPN
fueconorg-13371	427	15	,	,	PUNCT
fueconorg-13371	427	16	f.	f.	PROPN
fueconorg-13371	427	17	,	,	PUNCT
fueconorg-13371	427	18	&	&	CCONJ
fueconorg-13371	427	19	schoutens	schoutens	PROPN
fueconorg-13371	427	20	,	,	PUNCT
fueconorg-13371	427	21	w.	w.	PROPN
fueconorg-13371	427	22	(	(	PUNCT
fueconorg-13371	427	23	2017	2017	NUM
fueconorg-13371	427	24	)	)	PUNCT
fueconorg-13371	427	25	.	.	PUNCT
fueconorg-13371	428	1	is	be	AUX
fueconorg-13371	428	2	the	the	DET
fueconorg-13371	428	3	capital	capital	NOUN
fueconorg-13371	428	4	structure	structure	NOUN
fueconorg-13371	428	5	logic	logic	NOUN
fueconorg-13371	428	6	of	of	ADP
fueconorg-13371	428	7	corporate	corporate	ADJ
fueconorg-13371	428	8	finance	finance	NOUN
fueconorg-13371	428	9	applicable	applicable	ADJ
fueconorg-13371	428	10	to	to	ADP
fueconorg-13371	428	11	insurers	insurer	NOUN
fueconorg-13371	428	12	?	?	PUNCT
fueconorg-13371	429	1	review	review	NOUN
fueconorg-13371	429	2	and	and	CCONJ
fueconorg-13371	429	3	analysis	analysis	NOUN
fueconorg-13371	429	4	.	.	PUNCT
fueconorg-13371	430	1	journal	journal	NOUN
fueconorg-13371	430	2	of	of	ADP
fueconorg-13371	430	3	economic	economic	ADJ
fueconorg-13371	430	4	surveys	survey	NOUN
fueconorg-13371	430	5	,	,	PUNCT
fueconorg-13371	430	6	31(1	31(1	NUM
fueconorg-13371	430	7	)	)	PUNCT
fueconorg-13371	430	8	,	,	PUNCT
fueconorg-13371	430	9	169	169	NUM
fueconorg-13371	430	10	-	-	SYM
fueconorg-13371	430	11	189	189	NUM
fueconorg-13371	430	12	.	.	PUNCT
fueconorg-13371	431	1	https://doi.org/10.1111/joes.12129	https://doi.org/10.1111/joes.12129	PROPN
fueconorg-13371	431	2	escobar	escobar	PROPN
fueconorg-13371	431	3	-	-	PUNCT
fueconorg-13371	431	4	anel	anel	PROPN
fueconorg-13371	431	5	,	,	PUNCT
fueconorg-13371	431	6	m.	m.	NOUN
fueconorg-13371	431	7	,	,	PUNCT
fueconorg-13371	431	8	havrylenko	havrylenko	PROPN
fueconorg-13371	431	9	,	,	PUNCT
fueconorg-13371	431	10	y.	y.	PROPN
fueconorg-13371	431	11	,	,	PUNCT
fueconorg-13371	431	12	kschonnek	kschonnek	NOUN
fueconorg-13371	431	13	,	,	PUNCT
fueconorg-13371	431	14	m.	m.	NOUN
fueconorg-13371	431	15	,	,	PUNCT
fueconorg-13371	431	16	&	&	CCONJ
fueconorg-13371	431	17	zagst	zagst	PROPN
fueconorg-13371	431	18	,	,	PUNCT
fueconorg-13371	431	19	r.	r.	PROPN
fueconorg-13371	431	20	(	(	PUNCT
fueconorg-13371	431	21	2022	2022	NUM
fueconorg-13371	431	22	)	)	PUNCT
fueconorg-13371	431	23	.	.	PUNCT
fueconorg-13371	432	1	decrease	decrease	NOUN
fueconorg-13371	432	2	of	of	ADP
fueconorg-13371	432	3	capital	capital	NOUN
fueconorg-13371	432	4	guarantees	guarantee	NOUN
fueconorg-13371	432	5	in	in	ADP
fueconorg-13371	432	6	life	life	NOUN
fueconorg-13371	432	7	insurance	insurance	NOUN
fueconorg-13371	432	8	products	product	NOUN
fueconorg-13371	432	9	:	:	PUNCT
fueconorg-13371	432	10	can	can	AUX
fueconorg-13371	432	11	reinsurance	reinsurance	VERB
fueconorg-13371	432	12	stop	stop	VERB
fueconorg-13371	432	13	it	it	PRON
fueconorg-13371	432	14	?	?	PUNCT
fueconorg-13371	432	15	.	.	PUNCT
fueconorg-13371	433	1	insurance	insurance	NOUN
fueconorg-13371	433	2	:	:	PUNCT
fueconorg-13371	433	3	mathematics	mathematic	NOUN
fueconorg-13371	433	4	and	and	CCONJ
fueconorg-13371	433	5	economics	economic	NOUN
fueconorg-13371	433	6	,	,	PUNCT
fueconorg-13371	433	7	105	105	NUM
fueconorg-13371	433	8	,	,	PUNCT
fueconorg-13371	433	9	14	14	NUM
fueconorg-13371	433	10	-	-	SYM
fueconorg-13371	433	11	40	40	NUM
fueconorg-13371	433	12	.	.	PUNCT
fueconorg-13371	434	1	https://doi.org/10.48550/arxiv.2111.03603	https://doi.org/10.48550/arxiv.2111.03603	PROPN
fueconorg-13371	434	2	fadun	fadun	VERB
fueconorg-13371	434	3	,	,	PUNCT
fueconorg-13371	434	4	o.	o.	PROPN
fueconorg-13371	434	5	s.	s.	PROPN
fueconorg-13371	434	6	,	,	PUNCT
fueconorg-13371	434	7	aduloju	aduloju	PROPN
fueconorg-13371	434	8	,	,	PUNCT
fueconorg-13371	434	9	s.	s.	PROPN
fueconorg-13371	434	10	a.	a.	PROPN
fueconorg-13371	434	11	,	,	PUNCT
fueconorg-13371	434	12	&	&	CCONJ
fueconorg-13371	434	13	oluwaleye	oluwaleye	NOUN
fueconorg-13371	434	14	,	,	PUNCT
fueconorg-13371	434	15	t.	t.	NOUN
fueconorg-13371	434	16	o.	o.	PROPN
fueconorg-13371	434	17	(	(	PUNCT
fueconorg-13371	434	18	2023	2023	NUM
fueconorg-13371	434	19	)	)	PUNCT
fueconorg-13371	434	20	.	.	PUNCT
fueconorg-13371	435	1	reinsurance	reinsurance	NOUN
fueconorg-13371	435	2	transactions	transaction	NOUN
fueconorg-13371	435	3	and	and	CCONJ
fueconorg-13371	435	4	gross	gross	ADJ
fueconorg-13371	435	5	premium	premium	NOUN
fueconorg-13371	435	6	income	income	NOUN
fueconorg-13371	435	7	of	of	ADP
fueconorg-13371	435	8	non	non	ADJ
fueconorg-13371	435	9	-	-	ADJ
fueconorg-13371	435	10	life	life	ADJ
fueconorg-13371	435	11	insurance	insurance	NOUN
fueconorg-13371	435	12	companies	company	NOUN
fueconorg-13371	435	13	in	in	ADP
fueconorg-13371	435	14	nigeria	nigeria	PROPN
fueconorg-13371	435	15	:	:	PUNCT
fueconorg-13371	435	16	an	an	DET
fueconorg-13371	435	17	ardl	ardl	NOUN
fueconorg-13371	435	18	approach	approach	NOUN
fueconorg-13371	435	19	.	.	PUNCT
fueconorg-13371	436	1	the	the	DET
fueconorg-13371	436	2	journal	journal	NOUN
fueconorg-13371	436	3	of	of	ADP
fueconorg-13371	436	4	accounting	accounting	NOUN
fueconorg-13371	436	5	and	and	CCONJ
fueconorg-13371	436	6	management	management	NOUN
fueconorg-13371	436	7	,	,	PUNCT
fueconorg-13371	436	8	13(3	13(3	NUM
fueconorg-13371	436	9	)	)	PUNCT
fueconorg-13371	436	10	,	,	PUNCT
fueconorg-13371	436	11	75–89	75–89	NUM
fueconorg-13371	436	12	.	.	PUNCT
fueconorg-13371	436	13	retrieved	retrieve	VERB
fueconorg-13371	436	14	from	from	ADP
fueconorg-13371	436	15	https://dj.univ-danubius.ro/index.php/jam/article/view/2537	https://dj.univ-danubius.ro/index.php/jam/article/view/2537	NOUN
fueconorg-13371	436	16	garven	garven	VERB
fueconorg-13371	436	17	,	,	PUNCT
fueconorg-13371	436	18	j.	j.	PROPN
fueconorg-13371	436	19	r.	r.	PROPN
fueconorg-13371	436	20	,	,	PUNCT
fueconorg-13371	436	21	&	&	CCONJ
fueconorg-13371	436	22	lamm	lamm	PROPN
fueconorg-13371	436	23	-	-	PUNCT
fueconorg-13371	436	24	tennant	tennant	PROPN
fueconorg-13371	436	25	,	,	PUNCT
fueconorg-13371	436	26	j.	j.	PROPN
fueconorg-13371	436	27	(	(	PUNCT
fueconorg-13371	436	28	2003	2003	NUM
fueconorg-13371	436	29	)	)	PUNCT
fueconorg-13371	436	30	.	.	PUNCT
fueconorg-13371	437	1	the	the	DET
fueconorg-13371	437	2	demand	demand	NOUN
fueconorg-13371	437	3	for	for	ADP
fueconorg-13371	437	4	reinsurance	reinsurance	NOUN
fueconorg-13371	437	5	:	:	PUNCT
fueconorg-13371	437	6	theory	theory	NOUN
fueconorg-13371	437	7	and	and	CCONJ
fueconorg-13371	437	8	empirical	empirical	ADJ
fueconorg-13371	437	9	tests	test	NOUN
fueconorg-13371	437	10	.	.	PUNCT
fueconorg-13371	438	1	insurance	insurance	NOUN
fueconorg-13371	438	2	and	and	CCONJ
fueconorg-13371	438	3	risk	risk	NOUN
fueconorg-13371	438	4	management	management	NOUN
fueconorg-13371	438	5	,	,	PUNCT
fueconorg-13371	438	6	7(3	7(3	NUM
fueconorg-13371	438	7	)	)	PUNCT
fueconorg-13371	438	8	,	,	PUNCT
fueconorg-13371	438	9	217	217	NUM
fueconorg-13371	438	10	-	-	SYM
fueconorg-13371	438	11	237	237	NUM
fueconorg-13371	438	12	.	.	PUNCT
fueconorg-13371	439	1	http://dx.doi.org/10.7202/1092862ar	http://dx.doi.org/10.7202/1092862ar	NOUN
fueconorg-13371	439	2	harrington	harrington	PROPN
fueconorg-13371	439	3	,	,	PUNCT
fueconorg-13371	439	4	s.	s.	PROPN
fueconorg-13371	439	5	&	&	CCONJ
fueconorg-13371	439	6	niehaus	niehaus	PROPN
fueconorg-13371	439	7	,	,	PUNCT
fueconorg-13371	439	8	g.	g.	PROPN
fueconorg-13371	439	9	(	(	PUNCT
fueconorg-13371	439	10	2000	2000	NUM
fueconorg-13371	439	11	)	)	PUNCT
fueconorg-13371	439	12	.	.	PUNCT
fueconorg-13371	440	1	volatility	volatility	NOUN
fueconorg-13371	440	2	and	and	CCONJ
fueconorg-13371	440	3	underwriting	underwriting	NOUN
fueconorg-13371	440	4	cycles	cycle	NOUN
fueconorg-13371	440	5	.	.	PUNCT
fueconorg-13371	441	1	in	in	ADP
fueconorg-13371	441	2	:	:	PUNCT
fueconorg-13371	441	3	g.	g.	PROPN
fueconorg-13371	441	4	dionne	dionne	PROPN
fueconorg-13371	441	5	,	,	PUNCT
fueconorg-13371	441	6	(	(	PUNCT
fueconorg-13371	441	7	ed	ed	NOUN
fueconorg-13371	441	8	.	.	PUNCT
fueconorg-13371	441	9	)	)	PUNCT
fueconorg-13371	441	10	,	,	PUNCT
fueconorg-13371	441	11	handbook	handbook	NOUN
fueconorg-13371	441	12	of	of	ADP
fueconorg-13371	441	13	insurance	insurance	NOUN
fueconorg-13371	441	14	.	.	PUNCT
fueconorg-13371	442	1	boston	boston	PROPN
fueconorg-13371	442	2	:	:	PUNCT
fueconorg-13371	442	3	kluwer	kluwer	NOUN
fueconorg-13371	442	4	academic	academic	ADJ
fueconorg-13371	442	5	publishers	publisher	NOUN
fueconorg-13371	442	6	,	,	PUNCT
fueconorg-13371	442	7	657	657	NUM
fueconorg-13371	442	8	-	-	SYM
fueconorg-13371	442	9	686	686	NUM
fueconorg-13371	442	10	.	.	PUNCT
fueconorg-13371	443	1	https://doi.org/10.1007/978-94-010-0642-2_20	https://doi.org/10.1007/978-94-010-0642-2_20	PROPN
fueconorg-13371	443	2	haugen	haugen	PROPN
fueconorg-13371	443	3	,	,	PUNCT
fueconorg-13371	443	4	r.	r.	PROPN
fueconorg-13371	443	5	a.	a.	PROPN
fueconorg-13371	443	6	,	,	PUNCT
fueconorg-13371	443	7	&	&	CCONJ
fueconorg-13371	443	8	senbet	senbet	PROPN
fueconorg-13371	443	9	,	,	PUNCT
fueconorg-13371	443	10	l.	l.	PROPN
fueconorg-13371	443	11	w.	w.	PROPN
fueconorg-13371	443	12	(	(	PUNCT
fueconorg-13371	443	13	1978	1978	NUM
fueconorg-13371	443	14	)	)	PUNCT
fueconorg-13371	443	15	.	.	PUNCT
fueconorg-13371	444	1	the	the	DET
fueconorg-13371	444	2	insignificance	insignificance	NOUN
fueconorg-13371	444	3	of	of	ADP
fueconorg-13371	444	4	bankruptcy	bankruptcy	NOUN
fueconorg-13371	444	5	costs	cost	NOUN
fueconorg-13371	444	6	to	to	ADP
fueconorg-13371	444	7	the	the	DET
fueconorg-13371	444	8	theory	theory	NOUN
fueconorg-13371	444	9	of	of	ADP
fueconorg-13371	444	10	optimal	optimal	ADJ
fueconorg-13371	444	11	capital	capital	NOUN
fueconorg-13371	444	12	structure	structure	NOUN
fueconorg-13371	444	13	.	.	PUNCT
fueconorg-13371	445	1	the	the	DET
fueconorg-13371	445	2	journal	journal	PROPN
fueconorg-13371	445	3	of	of	ADP
fueconorg-13371	445	4	finance	finance	NOUN
fueconorg-13371	445	5	,	,	PUNCT
fueconorg-13371	445	6	33(2	33(2	NUM
fueconorg-13371	445	7	)	)	PUNCT
fueconorg-13371	445	8	,	,	PUNCT
fueconorg-13371	445	9	383	383	NUM
fueconorg-13371	445	10	-	-	SYM
fueconorg-13371	445	11	393	393	NUM
fueconorg-13371	445	12	.	.	PUNCT
fueconorg-13371	446	1	https://doi.org/10.1111/j.1540-6261.1978.tb04855.x	https://doi.org/10.1111/j.1540-6261.1978.tb04855.x	VERB
fueconorg-13371	446	2	herranz	herranz	PROPN
fueconorg-13371	446	3	,	,	PUNCT
fueconorg-13371	446	4	e.	e.	PROPN
fueconorg-13371	446	5	(	(	PUNCT
fueconorg-13371	446	6	2017	2017	NUM
fueconorg-13371	446	7	)	)	PUNCT
fueconorg-13371	446	8	.	.	PUNCT
fueconorg-13371	447	1	unit	unit	NOUN
fueconorg-13371	447	2	root	root	NOUN
fueconorg-13371	447	3	tests	test	NOUN
fueconorg-13371	447	4	.	.	PUNCT
fueconorg-13371	448	1	wires	wire	NOUN
fueconorg-13371	448	2	computational	computational	ADJ
fueconorg-13371	448	3	statistics	statistic	NOUN
fueconorg-13371	448	4	,	,	PUNCT
fueconorg-13371	448	5	9(3	9(3	NUM
fueconorg-13371	448	6	)	)	PUNCT
fueconorg-13371	448	7	,	,	PUNCT
fueconorg-13371	448	8	e1396	e1396	NOUN
fueconorg-13371	448	9	.	.	PUNCT
fueconorg-13371	449	1	https://doi.org/10.1002/wics.1396	https://doi.org/10.1002/wics.1396	PROPN
fueconorg-13371	449	2	hoerger	hoerger	NOUN
fueconorg-13371	449	3	,	,	PUNCT
fueconorg-13371	449	4	t.	t.	PROPN
fueconorg-13371	449	5	j.	j.	PROPN
fueconorg-13371	449	6	,	,	PUNCT
fueconorg-13371	449	7	sloan	sloan	PROPN
fueconorg-13371	449	8	,	,	PUNCT
fueconorg-13371	449	9	f.	f.	PROPN
fueconorg-13371	449	10	a.	a.	PROPN
fueconorg-13371	449	11	,	,	PUNCT
fueconorg-13371	449	12	&	&	CCONJ
fueconorg-13371	449	13	hassan	hassan	PROPN
fueconorg-13371	449	14	,	,	PUNCT
fueconorg-13371	449	15	m.	m.	NOUN
fueconorg-13371	449	16	(	(	PUNCT
fueconorg-13371	449	17	1990	1990	NUM
fueconorg-13371	449	18	)	)	PUNCT
fueconorg-13371	449	19	.	.	PUNCT
fueconorg-13371	450	1	loss	loss	NOUN
fueconorg-13371	450	2	volatility	volatility	NOUN
fueconorg-13371	450	3	,	,	PUNCT
fueconorg-13371	450	4	bankruptcy	bankruptcy	NOUN
fueconorg-13371	450	5	and	and	CCONJ
fueconorg-13371	450	6	the	the	DET
fueconorg-13371	450	7	demand	demand	NOUN
fueconorg-13371	450	8	for	for	ADP
fueconorg-13371	450	9	reinsurance	reinsurance	NOUN
fueconorg-13371	450	10	.	.	PUNCT
fueconorg-13371	451	1	journal	journal	NOUN
fueconorg-13371	451	2	of	of	ADP
fueconorg-13371	451	3	risk	risk	NOUN
fueconorg-13371	451	4	and	and	CCONJ
fueconorg-13371	451	5	uncertainty	uncertainty	NOUN
fueconorg-13371	451	6	,	,	PUNCT
fueconorg-13371	451	7	3(3	3(3	NUM
fueconorg-13371	451	8	)	)	PUNCT
fueconorg-13371	451	9	,	,	PUNCT
fueconorg-13371	451	10	221	221	NUM
fueconorg-13371	451	11	-	-	SYM
fueconorg-13371	451	12	245	245	NUM
fueconorg-13371	451	13	.	.	PUNCT
fueconorg-13371	452	1	https://doi.org/10.1007/bf00116782	https://doi.org/10.1007/bf00116782	PRON
fueconorg-13371	452	2	insurance	insurance	PROPN
fueconorg-13371	452	3	act	act	PROPN
fueconorg-13371	452	4	(	(	PUNCT
fueconorg-13371	452	5	2003	2003	NUM
fueconorg-13371	452	6	)	)	PUNCT
fueconorg-13371	452	7	.	.	PUNCT
fueconorg-13371	453	1	federal	federal	PROPN
fueconorg-13371	453	2	republic	republic	PROPN
fueconorg-13371	453	3	of	of	ADP
fueconorg-13371	453	4	nigeria	nigeria	PROPN
fueconorg-13371	453	5	official	official	ADJ
fueconorg-13371	453	6	gazette	gazette	PROPN
fueconorg-13371	453	7	,	,	PUNCT
fueconorg-13371	453	8	90(37	90(37	NUM
fueconorg-13371	453	9	)	)	PUNCT
fueconorg-13371	453	10	.	.	PUNCT
fueconorg-13371	454	1	nigeria	nigeria	PROPN
fueconorg-13371	454	2	:	:	PUNCT
fueconorg-13371	454	3	federal	federal	ADJ
fueconorg-13371	454	4	government	government	NOUN
fueconorg-13371	454	5	press	press	NOUN
fueconorg-13371	454	6	,	,	PUNCT
fueconorg-13371	454	7	lagos	lago	NOUN
fueconorg-13371	454	8	.	.	PUNCT
fueconorg-13371	455	1	jensen	jensen	PROPN
fueconorg-13371	455	2	,	,	PUNCT
fueconorg-13371	455	3	m.	m.	PROPN
fueconorg-13371	455	4	c.	c.	PROPN
fueconorg-13371	455	5	(	(	PUNCT
fueconorg-13371	455	6	1972	1972	NUM
fueconorg-13371	455	7	)	)	PUNCT
fueconorg-13371	455	8	.	.	PUNCT
fueconorg-13371	456	1	capital	capital	NOUN
fueconorg-13371	456	2	markets	market	NOUN
fueconorg-13371	456	3	:	:	PUNCT
fueconorg-13371	456	4	theory	theory	NOUN
fueconorg-13371	456	5	and	and	CCONJ
fueconorg-13371	456	6	evidence	evidence	NOUN
fueconorg-13371	456	7	.	.	PUNCT
fueconorg-13371	457	1	bell	bell	PROPN
fueconorg-13371	457	2	journal	journal	PROPN
fueconorg-13371	457	3	of	of	ADP
fueconorg-13371	457	4	economics	economic	NOUN
fueconorg-13371	457	5	,	,	PUNCT
fueconorg-13371	457	6	3(2	3(2	NUM
fueconorg-13371	457	7	)	)	PUNCT
fueconorg-13371	457	8	,	,	PUNCT
fueconorg-13371	457	9	357	357	NUM
fueconorg-13371	457	10	-	-	SYM
fueconorg-13371	457	11	398	398	NUM
fueconorg-13371	457	12	.	.	PUNCT
fueconorg-13371	458	1	https://doi.org/10.2307/3003029	https://doi.org/10.2307/3003029	PROPN
fueconorg-13371	458	2	kader	kader	PROPN
fueconorg-13371	458	3	,	,	PUNCT
fueconorg-13371	458	4	h.	h.	PROPN
fueconorg-13371	458	5	a.	a.	PROPN
fueconorg-13371	458	6	,	,	PUNCT
fueconorg-13371	458	7	adams	adams	PROPN
fueconorg-13371	458	8	,	,	PUNCT
fueconorg-13371	458	9	m.	m.	NOUN
fueconorg-13371	458	10	,	,	PUNCT
fueconorg-13371	458	11	&	&	CCONJ
fueconorg-13371	458	12	mouratidis	mouratidis	PROPN
fueconorg-13371	458	13	,	,	PUNCT
fueconorg-13371	458	14	k.	k.	PROPN
fueconorg-13371	458	15	(	(	PUNCT
fueconorg-13371	458	16	2010	2010	NUM
fueconorg-13371	458	17	)	)	PUNCT
fueconorg-13371	458	18	.	.	PUNCT
fueconorg-13371	459	1	testing	test	VERB
fueconorg-13371	459	2	for	for	ADP
fueconorg-13371	459	3	trade	trade	NOUN
fueconorg-13371	459	4	-	-	PUNCT
fueconorg-13371	459	5	offs	off	NOUN
fueconorg-13371	459	6	in	in	ADP
fueconorg-13371	459	7	the	the	DET
fueconorg-13371	459	8	reinsurance	reinsurance	NOUN
fueconorg-13371	459	9	decision	decision	NOUN
fueconorg-13371	459	10	of	of	ADP
fueconorg-13371	459	11	uk	uk	PROPN
fueconorg-13371	459	12	life	life	NOUN
fueconorg-13371	459	13	insurance	insurance	NOUN
fueconorg-13371	459	14	firms	firm	NOUN
fueconorg-13371	459	15	.	.	PUNCT
fueconorg-13371	460	1	journal	journal	NOUN
fueconorg-13371	460	2	of	of	ADP
fueconorg-13371	460	3	accounting	accounting	NOUN
fueconorg-13371	460	4	,	,	PUNCT
fueconorg-13371	460	5	auditing	auditing	NOUN
fueconorg-13371	460	6	&	&	CCONJ
fueconorg-13371	460	7	finance	finance	NOUN
fueconorg-13371	460	8	,	,	PUNCT
fueconorg-13371	460	9	25(3	25(3	NUM
fueconorg-13371	460	10	)	)	PUNCT
fueconorg-13371	460	11	,	,	PUNCT
fueconorg-13371	460	12	491	491	NUM
fueconorg-13371	460	13	-	-	SYM
fueconorg-13371	460	14	522	522	NUM
fueconorg-13371	460	15	.	.	PUNCT
fueconorg-13371	461	1	https://doi.org/10.1177/0148558x1002500309	https://doi.org/10.1177/0148558x1002500309	NOUN
fueconorg-13371	461	2	kocurek	kocurek	NOUN
fueconorg-13371	461	3	,	,	PUNCT
fueconorg-13371	461	4	m.	m.	NOUN
fueconorg-13371	461	5	(	(	PUNCT
fueconorg-13371	461	6	2024	2024	NUM
fueconorg-13371	461	7	)	)	PUNCT
fueconorg-13371	461	8	.	.	PUNCT
fueconorg-13371	462	1	a	a	DET
fueconorg-13371	462	2	review	review	NOUN
fueconorg-13371	462	3	of	of	ADP
fueconorg-13371	462	4	selected	select	VERB
fueconorg-13371	462	5	equity	equity	NOUN
fueconorg-13371	462	6	and	and	CCONJ
fueconorg-13371	462	7	credit	credit	NOUN
fueconorg-13371	462	8	investment	investment	NOUN
fueconorg-13371	462	9	strategies	strategy	NOUN
fueconorg-13371	462	10	of	of	ADP
fueconorg-13371	462	11	reinsurers	reinsurer	NOUN
fueconorg-13371	462	12	.	.	PUNCT
fueconorg-13371	463	1	26	26	NUM
fueconorg-13371	463	2	th	th	X
fueconorg-13371	463	3	international	international	ADJ
fueconorg-13371	463	4	scientific	scientific	ADJ
fueconorg-13371	463	5	conference	conference	NOUN
fueconorg-13371	463	6	for	for	ADP
fueconorg-13371	463	7	doctoral	doctoral	ADJ
fueconorg-13371	463	8	students	student	NOUN
fueconorg-13371	463	9	and	and	CCONJ
fueconorg-13371	463	10	post	post	ADJ
fueconorg-13371	463	11	-	-	ADJ
fueconorg-13371	463	12	doctoral	doctoral	ADJ
fueconorg-13371	463	13	scholars	scholar	NOUN
fueconorg-13371	463	14	.	.	PUNCT
fueconorg-13371	464	1	https://doi.org/10.53465/	https://doi.org/10.53465/	ADV
fueconorg-13371	464	2	edamba.2023.9788022551274.104	edamba.2023.9788022551274.104	PROPN
fueconorg-13371	464	3	-	-	PUNCT
fueconorg-13371	464	4	115	115	NUM
fueconorg-13371	464	5	li	li	PROPN
fueconorg-13371	464	6	,	,	PUNCT
fueconorg-13371	464	7	x.	x.	PROPN
fueconorg-13371	464	8	,	,	PUNCT
fueconorg-13371	464	9	&	&	CCONJ
fueconorg-13371	464	10	shiu	shiu	PROPN
fueconorg-13371	464	11	,	,	PUNCT
fueconorg-13371	464	12	y.	y.	PROPN
fueconorg-13371	464	13	(	(	PUNCT
fueconorg-13371	464	14	2023	2023	NUM
fueconorg-13371	464	15	)	)	PUNCT
fueconorg-13371	464	16	.	.	PUNCT
fueconorg-13371	465	1	how	how	SCONJ
fueconorg-13371	465	2	does	do	AUX
fueconorg-13371	465	3	actual	actual	ADJ
fueconorg-13371	465	4	relative	relative	ADJ
fueconorg-13371	465	5	to	to	PART
fueconorg-13371	465	6	target	target	VERB
fueconorg-13371	465	7	leverage	leverage	NOUN
fueconorg-13371	465	8	affect	affect	VERB
fueconorg-13371	465	9	reinsurance	reinsurance	NOUN
fueconorg-13371	465	10	use	use	NOUN
fueconorg-13371	465	11	?	?	PUNCT
fueconorg-13371	465	12	.	.	PUNCT
fueconorg-13371	466	1	international	international	ADJ
fueconorg-13371	466	2	review	review	NOUN
fueconorg-13371	466	3	of	of	ADP
fueconorg-13371	466	4	economics	economics	PROPN
fueconorg-13371	466	5	&	&	CCONJ
fueconorg-13371	466	6	finance	finance	PROPN
fueconorg-13371	466	7	,	,	PUNCT
fueconorg-13371	466	8	88	88	NUM
fueconorg-13371	466	9	,	,	PUNCT
fueconorg-13371	466	10	874	874	NUM
fueconorg-13371	466	11	-	-	SYM
fueconorg-13371	466	12	890	890	NUM
fueconorg-13371	466	13	.	.	PUNCT
fueconorg-13371	467	1	https://doi.org/10.1016/j.iref.2023.07.028	https://doi.org/10.1016/j.iref.2023.07.028	PROPN
fueconorg-13371	467	2	mabelwane	mabelwane	PROPN
fueconorg-13371	467	3	,	,	PUNCT
fueconorg-13371	467	4	s.	s.	PROPN
fueconorg-13371	467	5	(	(	PUNCT
fueconorg-13371	467	6	2021	2021	NUM
fueconorg-13371	467	7	)	)	PUNCT
fueconorg-13371	467	8	.	.	PUNCT
fueconorg-13371	468	1	basics	basic	NOUN
fueconorg-13371	468	2	of	of	ADP
fueconorg-13371	468	3	reinsurance	reinsurance	NOUN
fueconorg-13371	468	4	.	.	PUNCT
fueconorg-13371	469	1	munich	munich	PROPN
fueconorg-13371	469	2	re	re	PROPN
fueconorg-13371	469	3	.	.	PROPN
fueconorg-13371	469	4	retrieved	retrieve	VERB
fueconorg-13371	469	5	from	from	ADP
fueconorg-13371	469	6	https://www.munichre.com/content/dam/	https://www.munichre.com/content/dam/	PROPN
fueconorg-13371	469	7	munichre	munichre	PROPN
fueconorg-13371	469	8	/	/	SYM
fueconorg-13371	469	9	contentlounge	contentlounge	NOUN
fueconorg-13371	469	10	/	/	SYM
fueconorg-13371	469	11	website	website	NOUN
fueconorg-13371	469	12	-	-	PUNCT
fueconorg-13371	469	13	pieces	piece	NOUN
fueconorg-13371	469	14	/	/	SYM
fueconorg-13371	469	15	documents	document	NOUN
fueconorg-13371	469	16	/	/	SYM
fueconorg-13371	469	17	basic	basic	ADJ
fueconorg-13371	469	18	-	-	PUNCT
fueconorg-13371	469	19	of	of	ADP
fueconorg-13371	469	20	-	-	PUNCT
fueconorg-13371	469	21	ri-03	ri-03	NOUN
fueconorg-13371	469	22	-	-	PUNCT
fueconorg-13371	469	23	june21.pdf/_jcr_content	june21.pdf/_jcr_content	NOUN
fueconorg-13371	469	24	/	/	SYM
fueconorg-13371	469	25	renditions	rendition	NOUN
fueconorg-13371	469	26	/	/	SYM
fueconorg-13371	469	27	original./basic	original./basic	NOUN
fueconorg-13371	469	28	-	-	PUNCT
fueconorg-13371	469	29	of	of	ADP
fueconorg-13371	469	30	-	-	PUNCT
fueconorg-13371	469	31	ri-03	ri-03	NOUN
fueconorg-13371	469	32	-	-	PUNCT
fueconorg-13371	469	33	june-21.pdf	june-21.pdf	NOUN
fueconorg-13371	470	1	[	[	X
fueconorg-13371	470	2	accessed	access	VERB
fueconorg-13371	470	3	on	on	ADP
fueconorg-13371	470	4	09.04.2023	09.04.2023	NUM
fueconorg-13371	470	5	]	]	PUNCT
fueconorg-13371	470	6	.	.	PUNCT
fueconorg-13371	471	1	mankai	mankai	PROPN
fueconorg-13371	471	2	,	,	PUNCT
fueconorg-13371	471	3	s.	s.	PROPN
fueconorg-13371	471	4	,	,	PUNCT
fueconorg-13371	471	5	&	&	CCONJ
fueconorg-13371	471	6	belgacem	belgacem	PROPN
fueconorg-13371	471	7	,	,	PUNCT
fueconorg-13371	471	8	a.	a.	NOUN
fueconorg-13371	471	9	(	(	PUNCT
fueconorg-13371	471	10	2016	2016	NUM
fueconorg-13371	471	11	)	)	PUNCT
fueconorg-13371	471	12	.	.	PUNCT
fueconorg-13371	472	1	interactions	interaction	NOUN
fueconorg-13371	472	2	between	between	ADP
fueconorg-13371	472	3	risk	risk	NOUN
fueconorg-13371	472	4	taking	taking	NOUN
fueconorg-13371	472	5	,	,	PUNCT
fueconorg-13371	472	6	capital	capital	NOUN
fueconorg-13371	472	7	and	and	CCONJ
fueconorg-13371	472	8	reinsurance	reinsurance	NOUN
fueconorg-13371	472	9	for	for	ADP
fueconorg-13371	472	10	property	property	NOUN
fueconorg-13371	472	11	-	-	PUNCT
fueconorg-13371	472	12	liability	liability	NOUN
fueconorg-13371	472	13	insurance	insurance	NOUN
fueconorg-13371	472	14	firms	firm	NOUN
fueconorg-13371	472	15	.	.	PUNCT
fueconorg-13371	473	1	journal	journal	NOUN
fueconorg-13371	473	2	of	of	ADP
fueconorg-13371	473	3	risk	risk	NOUN
fueconorg-13371	473	4	and	and	CCONJ
fueconorg-13371	473	5	insurance	insurance	NOUN
fueconorg-13371	473	6	,	,	PUNCT
fueconorg-13371	473	7	83(4	83(4	NUM
fueconorg-13371	473	8	)	)	PUNCT
fueconorg-13371	473	9	,	,	PUNCT
fueconorg-13371	473	10	1007	1007	NUM
fueconorg-13371	473	11	-	-	SYM
fueconorg-13371	473	12	1043	1043	NUM
fueconorg-13371	473	13	.	.	PUNCT
fueconorg-13371	474	1	http://dx.doi.org/10.1111/jori.12080	http://dx.doi.org/10.1111/jori.12080	NOUN
fueconorg-13371	474	2	mayers	mayer	NOUN
fueconorg-13371	474	3	,	,	PUNCT
fueconorg-13371	474	4	d.	d.	PROPN
fueconorg-13371	474	5	,	,	PUNCT
fueconorg-13371	474	6	&	&	CCONJ
fueconorg-13371	474	7	smith	smith	PROPN
fueconorg-13371	474	8	,	,	PUNCT
fueconorg-13371	474	9	jr	jr	PROPN
fueconorg-13371	474	10	.	.	PROPN
fueconorg-13371	474	11	c.	c.	PROPN
fueconorg-13371	474	12	w.	w.	PROPN
fueconorg-13371	474	13	(	(	PUNCT
fueconorg-13371	474	14	1990	1990	NUM
fueconorg-13371	474	15	)	)	PUNCT
fueconorg-13371	474	16	.	.	PUNCT
fueconorg-13371	475	1	on	on	ADP
fueconorg-13371	475	2	the	the	DET
fueconorg-13371	475	3	corporate	corporate	ADJ
fueconorg-13371	475	4	demand	demand	NOUN
fueconorg-13371	475	5	for	for	ADP
fueconorg-13371	475	6	insurance	insurance	NOUN
fueconorg-13371	475	7	:	:	PUNCT
fueconorg-13371	475	8	evidence	evidence	NOUN
fueconorg-13371	475	9	from	from	ADP
fueconorg-13371	475	10	the	the	DET
fueconorg-13371	475	11	reinsurance	reinsurance	NOUN
fueconorg-13371	475	12	market	market	NOUN
fueconorg-13371	475	13	.	.	PUNCT
fueconorg-13371	476	1	journal	journal	NOUN
fueconorg-13371	476	2	of	of	ADP
fueconorg-13371	476	3	business	business	NOUN
fueconorg-13371	476	4	,	,	PUNCT
fueconorg-13371	476	5	63(1	63(1	NUM
fueconorg-13371	476	6	)	)	PUNCT
fueconorg-13371	476	7	,	,	PUNCT
fueconorg-13371	476	8	19	19	NUM
fueconorg-13371	476	9	-	-	SYM
fueconorg-13371	476	10	40	40	NUM
fueconorg-13371	476	11	.	.	PUNCT
fueconorg-13371	477	1	http://dx.doi.org/10.1086/296481	http://dx.doi.org/10.1086/296481	PROPN
fueconorg-13371	477	2	modigliani	modigliani	PROPN
fueconorg-13371	477	3	,	,	PUNCT
fueconorg-13371	477	4	f.	f.	PROPN
fueconorg-13371	477	5	f.	f.	PROPN
fueconorg-13371	477	6	,	,	PUNCT
fueconorg-13371	477	7	&	&	CCONJ
fueconorg-13371	477	8	miller	miller	PROPN
fueconorg-13371	477	9	,	,	PUNCT
fueconorg-13371	477	10	m.	m.	NOUN
fueconorg-13371	477	11	h.	h.	PROPN
fueconorg-13371	477	12	(	(	PUNCT
fueconorg-13371	477	13	1963	1963	NUM
fueconorg-13371	477	14	)	)	PUNCT
fueconorg-13371	477	15	.	.	PUNCT
fueconorg-13371	478	1	corporation	corporation	NOUN
fueconorg-13371	478	2	income	income	NOUN
fueconorg-13371	478	3	taxes	taxis	NOUN
fueconorg-13371	478	4	and	and	CCONJ
fueconorg-13371	478	5	the	the	DET
fueconorg-13371	478	6	cost	cost	NOUN
fueconorg-13371	478	7	of	of	ADP
fueconorg-13371	478	8	capital	capital	NOUN
fueconorg-13371	478	9	:	:	PUNCT
fueconorg-13371	478	10	a	a	DET
fueconorg-13371	478	11	correction	correction	NOUN
fueconorg-13371	478	12	.	.	PUNCT
fueconorg-13371	479	1	american	american	PROPN
fueconorg-13371	479	2	economic	economic	PROPN
fueconorg-13371	479	3	review	review	PROPN
fueconorg-13371	479	4	,	,	PUNCT
fueconorg-13371	479	5	53(3	53(3	NUM
fueconorg-13371	479	6	)	)	PUNCT
fueconorg-13371	479	7	,	,	PUNCT
fueconorg-13371	479	8	433	433	NUM
fueconorg-13371	479	9	-	-	SYM
fueconorg-13371	479	10	443	443	NUM
fueconorg-13371	479	11	.	.	PUNCT
fueconorg-13371	479	12	modugu	modugu	NOUN
fueconorg-13371	479	13	,	,	PUNCT
fueconorg-13371	479	14	k.	k.	PROPN
fueconorg-13371	479	15	p.	p.	PROPN
fueconorg-13371	479	16	,	,	PUNCT
fueconorg-13371	479	17	&	&	CCONJ
fueconorg-13371	479	18	eragbe	eragbe	PROPN
fueconorg-13371	479	19	,	,	PUNCT
fueconorg-13371	479	20	e.	e.	PROPN
fueconorg-13371	479	21	(	(	PUNCT
fueconorg-13371	479	22	2015	2015	NUM
fueconorg-13371	479	23	)	)	PUNCT
fueconorg-13371	479	24	.	.	PUNCT
fueconorg-13371	480	1	determinants	determinant	NOUN
fueconorg-13371	480	2	of	of	ADP
fueconorg-13371	480	3	capital	capital	NOUN
fueconorg-13371	480	4	structure	structure	NOUN
fueconorg-13371	480	5	decision	decision	NOUN
fueconorg-13371	480	6	:	:	PUNCT
fueconorg-13371	480	7	a	a	DET
fueconorg-13371	480	8	research	research	NOUN
fueconorg-13371	480	9	synthesis	synthesis	NOUN
fueconorg-13371	480	10	.	.	PUNCT
fueconorg-13371	481	1	journal	journal	NOUN
fueconorg-13371	481	2	of	of	ADP
fueconorg-13371	481	3	policy	policy	NOUN
fueconorg-13371	481	4	and	and	CCONJ
fueconorg-13371	481	5	development	development	NOUN
fueconorg-13371	481	6	studies	study	NOUN
fueconorg-13371	481	7	,	,	PUNCT
fueconorg-13371	481	8	9(3	9(3	NUM
fueconorg-13371	481	9	)	)	PUNCT
fueconorg-13371	481	10	,	,	PUNCT
fueconorg-13371	481	11	83	83	NUM
fueconorg-13371	481	12	-	-	SYM
fueconorg-13371	481	13	98	98	NUM
fueconorg-13371	481	14	.	.	PUNCT
fueconorg-13371	482	1	http://dx.doi.org/10.12816/0011168	http://dx.doi.org/10.12816/0011168	PROPN
fueconorg-13371	482	2	myers	myers	PROPN
fueconorg-13371	482	3	,	,	PUNCT
fueconorg-13371	482	4	s.	s.	PROPN
fueconorg-13371	482	5	c.	c.	PROPN
fueconorg-13371	482	6	(	(	PUNCT
fueconorg-13371	482	7	1984	1984	NUM
fueconorg-13371	482	8	)	)	PUNCT
fueconorg-13371	482	9	.	.	PUNCT
fueconorg-13371	483	1	the	the	DET
fueconorg-13371	483	2	capital	capital	NOUN
fueconorg-13371	483	3	structure	structure	NOUN
fueconorg-13371	483	4	puzzle	puzzle	NOUN
fueconorg-13371	483	5	.	.	PUNCT
fueconorg-13371	484	1	the	the	DET
fueconorg-13371	484	2	journal	journal	PROPN
fueconorg-13371	484	3	of	of	ADP
fueconorg-13371	484	4	finance	finance	NOUN
fueconorg-13371	484	5	,	,	PUNCT
fueconorg-13371	484	6	39(3	39(3	NUM
fueconorg-13371	484	7	)	)	PUNCT
fueconorg-13371	484	8	,	,	PUNCT
fueconorg-13371	484	9	574	574	NUM
fueconorg-13371	484	10	-	-	SYM
fueconorg-13371	484	11	592	592	NUM
fueconorg-13371	484	12	.	.	PUNCT
fueconorg-13371	485	1	https://doi.org/10.1111/	https://doi.org/10.1111/	PROPN
fueconorg-13371	485	2	j.1540	j.1540	PROPN
fueconorg-13371	485	3	-	-	PUNCT
fueconorg-13371	485	4	6261.1984.tb03646.x	6261.1984.tb03646.x	NUM
fueconorg-13371	485	5	national	national	ADJ
fueconorg-13371	485	6	insurance	insurance	NOUN
fueconorg-13371	485	7	commission	commission	PROPN
fueconorg-13371	485	8	(	(	PUNCT
fueconorg-13371	485	9	naicom	naicom	PROPN
fueconorg-13371	485	10	)	)	PUNCT
fueconorg-13371	485	11	(	(	PUNCT
fueconorg-13371	485	12	2022	2022	NUM
fueconorg-13371	485	13	)	)	PUNCT
fueconorg-13371	485	14	.	.	PUNCT
fueconorg-13371	486	1	bulletin	bulletin	NOUN
fueconorg-13371	486	2	of	of	ADP
fueconorg-13371	486	3	the	the	DET
fueconorg-13371	486	4	insurance	insurance	NOUN
fueconorg-13371	486	5	market	market	NOUN
fueconorg-13371	486	6	performance	performance	NOUN
fueconorg-13371	486	7	.	.	PUNCT
fueconorg-13371	487	1	a	a	DET
fueconorg-13371	487	2	statistics	statistics	PROPN
fueconorg-13371	487	3	department	department	PROPN
fueconorg-13371	487	4	quarterly	quarterly	ADJ
fueconorg-13371	487	5	report	report	NOUN
fueconorg-13371	487	6	of	of	ADP
fueconorg-13371	487	7	the	the	DET
fueconorg-13371	487	8	insurance	insurance	NOUN
fueconorg-13371	487	9	market	market	NOUN
fueconorg-13371	487	10	fourth	fourth	ADJ
fueconorg-13371	487	11	quarter	quarter	NOUN
fueconorg-13371	487	12	.	.	PUNCT
fueconorg-13371	488	1	available	available	ADJ
fueconorg-13371	488	2	at	at	ADP
fueconorg-13371	488	3	https://storage.naicom	https://storage.naicom	PROPN
fueconorg-13371	488	4	.	.	PUNCT
fueconorg-13371	489	1	website	website	NOUN
fueconorg-13371	489	2	/	/	SYM
fueconorg-13371	489	3	naicom	naicom	PROPN
fueconorg-13371	489	4	/	/	SYM
fueconorg-13371	489	5	files	file	NOUN
fueconorg-13371	489	6	/	/	SYM
fueconorg-13371	489	7	f1c75b0b0a7d55a2dd5f490d3bb3b23f.pdf	f1c75b0b0a7d55a2dd5f490d3bb3b23f.pdf	NOUN
fueconorg-13371	489	8	[	[	X
fueconorg-13371	489	9	accessed	access	VERB
fueconorg-13371	489	10	on	on	ADP
fueconorg-13371	489	11	24.07.2023	24.07.2023	NUM
fueconorg-13371	489	12	]	]	PUNCT
fueconorg-13371	489	13	.	.	PUNCT
fueconorg-13371	490	1	national	national	PROPN
fueconorg-13371	490	2	insurance	insurance	PROPN
fueconorg-13371	490	3	commission	commission	PROPN
fueconorg-13371	490	4	(	(	PUNCT
fueconorg-13371	490	5	naicom	naicom	PROPN
fueconorg-13371	490	6	)	)	PUNCT
fueconorg-13371	490	7	(	(	PUNCT
fueconorg-13371	490	8	2023	2023	NUM
fueconorg-13371	490	9	)	)	PUNCT
fueconorg-13371	490	10	.	.	PUNCT
fueconorg-13371	491	1	bulletin	bulletin	NOUN
fueconorg-13371	491	2	of	of	ADP
fueconorg-13371	491	3	the	the	DET
fueconorg-13371	491	4	insurance	insurance	NOUN
fueconorg-13371	491	5	market	market	NOUN
fueconorg-13371	491	6	performance	performance	NOUN
fueconorg-13371	491	7	.	.	PUNCT
fueconorg-13371	492	1	a	a	DET
fueconorg-13371	492	2	statistics	statistics	PROPN
fueconorg-13371	492	3	department	department	PROPN
fueconorg-13371	492	4	quarterly	quarterly	ADJ
fueconorg-13371	492	5	report	report	NOUN
fueconorg-13371	492	6	of	of	ADP
fueconorg-13371	492	7	the	the	DET
fueconorg-13371	492	8	insurance	insurance	NOUN
fueconorg-13371	492	9	market	market	NOUN
fueconorg-13371	492	10	first	first	ADJ
fueconorg-13371	492	11	quarter	quarter	NOUN
fueconorg-13371	492	12	.	.	PUNCT
fueconorg-13371	493	1	nigeria	nigeria	PROPN
fueconorg-13371	493	2	insurance	insurance	PROPN
fueconorg-13371	493	3	digest	digest	PROPN
fueconorg-13371	493	4	.	.	PUNCT
fueconorg-13371	494	1	nigeria	nigeria	PROPN
fueconorg-13371	494	2	insurance	insurance	PROPN
fueconorg-13371	494	3	association	association	PROPN
fueconorg-13371	494	4	(	(	PUNCT
fueconorg-13371	494	5	nia	nia	PROPN
fueconorg-13371	494	6	)	)	PUNCT
fueconorg-13371	494	7	.	.	PUNCT
fueconorg-13371	495	1	lagos	lago	NOUN
fueconorg-13371	495	2	.	.	PUNCT
fueconorg-13371	496	1	nigeria	nigeria	PROPN
fueconorg-13371	496	2	.	.	PUNCT
fueconorg-13371	497	1	obalola	obalola	PROPN
fueconorg-13371	497	2	,	,	PUNCT
fueconorg-13371	497	3	m.	m.	NOUN
fueconorg-13371	497	4	a.	a.	PROPN
fueconorg-13371	497	5	&	&	CCONJ
fueconorg-13371	497	6	abass	abass	PROPN
fueconorg-13371	497	7	,	,	PUNCT
fueconorg-13371	497	8	o.	o.	NOUN
fueconorg-13371	497	9	(	(	PUNCT
fueconorg-13371	497	10	2016	2016	NUM
fueconorg-13371	497	11	)	)	PUNCT
fueconorg-13371	497	12	.	.	PUNCT
fueconorg-13371	498	1	demand	demand	NOUN
fueconorg-13371	498	2	for	for	ADP
fueconorg-13371	498	3	reinsurance	reinsurance	NOUN
fueconorg-13371	498	4	and	and	CCONJ
fueconorg-13371	498	5	solvency	solvency	NOUN
fueconorg-13371	498	6	of	of	ADP
fueconorg-13371	498	7	insurance	insurance	NOUN
fueconorg-13371	498	8	business	business	NOUN
fueconorg-13371	498	9	in	in	ADP
fueconorg-13371	498	10	nigeria	nigeria	PROPN
fueconorg-13371	498	11	:	:	PUNCT
fueconorg-13371	498	12	an	an	DET
fueconorg-13371	498	13	empirical	empirical	ADJ
fueconorg-13371	498	14	analysis	analysis	NOUN
fueconorg-13371	498	15	.	.	PUNCT
fueconorg-13371	499	1	unilag	unilag	NOUN
fueconorg-13371	499	2	journal	journal	PROPN
fueconorg-13371	499	3	of	of	ADP
fueconorg-13371	499	4	humanities	humanity	NOUN
fueconorg-13371	499	5	,	,	PUNCT
fueconorg-13371	499	6	4(1	4(1	NOUN
fueconorg-13371	499	7	)	)	PUNCT
fueconorg-13371	499	8	,	,	PUNCT
fueconorg-13371	499	9	63	63	NUM
fueconorg-13371	499	10	-	-	SYM
fueconorg-13371	499	11	79	79	NUM
fueconorg-13371	499	12	.	.	PUNCT
fueconorg-13371	500	1	retrieved	retrieve	VERB
fueconorg-13371	500	2	from	from	ADP
fueconorg-13371	500	3	https://ujh.unilag.edu.ng/article/view/229	https://ujh.unilag.edu.ng/article/view/229	PROPN
fueconorg-13371	500	4	https://www.milliman.com/en/insight/reinsurance-as-a-capital-management-tool-for-life-insurers	https://www.milliman.com/en/insight/reinsurance-as-a-capital-management-tool-for-life-insurer	NOUN
fueconorg-13371	500	5	https://www.milliman.com/en/insight/reinsurance-as-a-capital-management-tool-for-life-insurers	https://www.milliman.com/en/insight/reinsurance-as-a-capital-management-tool-for-life-insurers	PROPN
fueconorg-13371	500	6	http://dx.doi.org/10.1057/s41288-021-00216-8	http://dx.doi.org/10.1057/s41288-021-00216-8	PROPN
fueconorg-13371	500	7	http://dx.doi.org/10.1057/s41288-021-00216-8	http://dx.doi.org/10.1057/s41288-021-00216-8	PROPN
fueconorg-13371	500	8	https://doi.org/10.1111/joes.12129	https://doi.org/10.1111/joes.12129	PROPN
fueconorg-13371	501	1	https://doi.org/10.48550/arxiv.2111.03603	https://doi.org/10.48550/arxiv.2111.03603	PROPN
fueconorg-13371	501	2	https://dj.univ-danubius.ro/index.php/jam/article/view/2537	https://dj.univ-danubius.ro/index.php/jam/article/view/2537	VERB
fueconorg-13371	501	3	http://dx.doi.org/10.7202/1092862ar	http://dx.doi.org/10.7202/1092862ar	ADJ
fueconorg-13371	501	4	https://doi.org/10.1007/978-94-010-0642-2_20	https://doi.org/10.1007/978-94-010-0642-2_20	PROPN
fueconorg-13371	501	5	https://doi.org/10.1111/j.1540-6261.1978.tb04855.x	https://doi.org/10.1111/j.1540-6261.1978.tb04855.x	PROPN
fueconorg-13371	501	6	https://doi.org/10.1002/wics.1396	https://doi.org/10.1002/wics.1396	NOUN
fueconorg-13371	501	7	https://doi.org/10.1007/bf00116782	https://doi.org/10.1007/bf00116782	X
fueconorg-13371	501	8	https://doi.org/10.2307/3003029	https://doi.org/10.2307/3003029	PROPN
fueconorg-13371	501	9	https://doi.org/10.1177/0148558x1002500309	https://doi.org/10.1177/0148558x1002500309	PROPN
fueconorg-13371	502	1	https://doi.org/10.53465/%0bedamba.2023.9788022551274.104-115	https://doi.org/10.53465/%0bedamba.2023.9788022551274.104-115	PROPN
fueconorg-13371	502	2	https://doi.org/10.53465/%0bedamba.2023.9788022551274.104-115	https://doi.org/10.53465/%0bedamba.2023.9788022551274.104-115	PROPN
fueconorg-13371	502	3	https://doi.org/10.1016/j.iref.2023.07.028	https://doi.org/10.1016/j.iref.2023.07.028	ADV
fueconorg-13371	502	4	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	ADJ
fueconorg-13371	502	5	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	ADJ
fueconorg-13371	502	6	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	https://www.munichre.com/content/dam/%0bmunichre/contentlounge/website-pieces/documents/basic-of-ri-03-june-21.pdf/_jcr_content/renditions/original./basic-of-ri-03-june-21.pdf	ADJ
fueconorg-13371	502	7	http://dx.doi.org/10.1111/jori.12080	http://dx.doi.org/10.1111/jori.12080	NOUN
fueconorg-13371	502	8	http://dx.doi.org/10.1086/296481	http://dx.doi.org/10.1086/296481	NOUN
fueconorg-13371	502	9	http://dx.doi.org/10.12816/0011168	http://dx.doi.org/10.12816/0011168	NOUN
fueconorg-13371	503	1	https://doi.org/10.1111/%0bj.1540-6261.1984.tb03646.x	https://doi.org/10.1111/%0bj.1540-6261.1984.tb03646.x	X
fueconorg-13371	503	2	https://doi.org/10.1111/%0bj.1540-6261.1984.tb03646.x	https://doi.org/10.1111/%0bj.1540-6261.1984.tb03646.x	X
fueconorg-13371	503	3	https://ujh.unilag.edu.ng/article/view/229	https://ujh.unilag.edu.ng/article/view/229	NOUN
fueconorg-13371	504	1	the	the	DET
fueconorg-13371	504	2	nigerian	nigerian	ADJ
fueconorg-13371	504	3	financial	financial	ADJ
fueconorg-13371	504	4	system	system	NOUN
fueconorg-13371	504	5	:	:	PUNCT
fueconorg-13371	504	6	the	the	DET
fueconorg-13371	504	7	nexus	nexus	NOUN
fueconorg-13371	504	8	between	between	ADP
fueconorg-13371	504	9	reinsurance	reinsurance	NOUN
fueconorg-13371	504	10	ceded	cede	VERB
fueconorg-13371	504	11	and	and	CCONJ
fueconorg-13371	504	12	equity	equity	NOUN
fueconorg-13371	504	13	financing	financing	NOUN
fueconorg-13371	504	14	in	in	ADP
fueconorg-13371	504	15	the	the	DET
fueconorg-13371	504	16	...	...	SYM
fueconorg-13371	504	17	119	119	NUM
fueconorg-13371	504	18	obalola	obalola	NOUN
fueconorg-13371	504	19	,	,	PUNCT
fueconorg-13371	504	20	m.	m.	NOUN
fueconorg-13371	504	21	a.	a.	PROPN
fueconorg-13371	504	22	,	,	PUNCT
fueconorg-13371	504	23	&	&	CCONJ
fueconorg-13371	504	24	ukpong	ukpong	PROPN
fueconorg-13371	504	25	,	,	PUNCT
fueconorg-13371	504	26	m.	m.	NOUN
fueconorg-13371	504	27	s.	s.	PROPN
fueconorg-13371	504	28	(	(	PUNCT
fueconorg-13371	504	29	2022	2022	NUM
fueconorg-13371	504	30	)	)	PUNCT
fueconorg-13371	504	31	.	.	PUNCT
fueconorg-13371	505	1	reinsurance	reinsurance	NOUN
fueconorg-13371	505	2	and	and	CCONJ
fueconorg-13371	505	3	the	the	DET
fueconorg-13371	505	4	determinants	determinant	NOUN
fueconorg-13371	505	5	of	of	ADP
fueconorg-13371	505	6	the	the	DET
fueconorg-13371	505	7	ceding	cede	VERB
fueconorg-13371	505	8	decision	decision	NOUN
fueconorg-13371	505	9	of	of	ADP
fueconorg-13371	505	10	life	life	NOUN
fueconorg-13371	505	11	insurance	insurance	NOUN
fueconorg-13371	505	12	companies	company	NOUN
fueconorg-13371	505	13	in	in	ADP
fueconorg-13371	505	14	nigeria	nigeria	PROPN
fueconorg-13371	505	15	:	:	PUNCT
fueconorg-13371	505	16	an	an	DET
fueconorg-13371	505	17	empirical	empirical	ADJ
fueconorg-13371	505	18	analysis	analysis	NOUN
fueconorg-13371	505	19	.	.	PUNCT
fueconorg-13371	506	1	journal	journal	NOUN
fueconorg-13371	506	2	of	of	ADP
fueconorg-13371	506	3	corporate	corporate	ADJ
fueconorg-13371	506	4	governance	governance	NOUN
fueconorg-13371	506	5	,	,	PUNCT
fueconorg-13371	506	6	insurance	insurance	NOUN
fueconorg-13371	506	7	and	and	CCONJ
fueconorg-13371	506	8	risk	risk	NOUN
fueconorg-13371	506	9	management	management	NOUN
fueconorg-13371	506	10	(	(	PUNCT
fueconorg-13371	506	11	jcgirm	jcgirm	PROPN
fueconorg-13371	506	12	)	)	PUNCT
fueconorg-13371	506	13	,	,	PUNCT
fueconorg-13371	506	14	9(1	9(1	NUM
fueconorg-13371	506	15	)	)	PUNCT
fueconorg-13371	506	16	,	,	PUNCT
fueconorg-13371	506	17	169	169	NUM
fueconorg-13371	506	18	-	-	SYM
fueconorg-13371	506	19	189	189	NUM
fueconorg-13371	506	20	.	.	PUNCT
fueconorg-13371	507	1	http://dx.doi.org/10.51410/jcgirm.9.1.11	http://dx.doi.org/10.51410/jcgirm.9.1.11	PUNCT
fueconorg-13371	507	2	oluwabiyi	oluwabiyi	PROPN
fueconorg-13371	507	3	,	,	PUNCT
fueconorg-13371	507	4	o.	o.	PROPN
fueconorg-13371	507	5	e.	e.	PROPN
fueconorg-13371	507	6	,	,	PUNCT
fueconorg-13371	507	7	asikhia	asikhia	NOUN
fueconorg-13371	507	8	,	,	PUNCT
fueconorg-13371	507	9	o.	o.	NOUN
fueconorg-13371	507	10	u.	u.	PROPN
fueconorg-13371	507	11	,	,	PUNCT
fueconorg-13371	507	12	&	&	CCONJ
fueconorg-13371	507	13	egwuonwu	egwuonwu	NOUN
fueconorg-13371	507	14	,	,	PUNCT
fueconorg-13371	507	15	t.	t.	PROPN
fueconorg-13371	507	16	k.	k.	PROPN
fueconorg-13371	507	17	(	(	PUNCT
fueconorg-13371	507	18	2022	2022	NUM
fueconorg-13371	507	19	)	)	PUNCT
fueconorg-13371	507	20	.	.	PUNCT
fueconorg-13371	508	1	relationship	relationship	NOUN
fueconorg-13371	508	2	marketing	marketing	NOUN
fueconorg-13371	508	3	and	and	CCONJ
fueconorg-13371	508	4	market	market	NOUN
fueconorg-13371	508	5	penetration	penetration	NOUN
fueconorg-13371	508	6	of	of	ADP
fueconorg-13371	508	7	insurance	insurance	NOUN
fueconorg-13371	508	8	in	in	ADP
fueconorg-13371	508	9	lagos	lagos	PROPN
fueconorg-13371	508	10	state	state	NOUN
fueconorg-13371	508	11	,	,	PUNCT
fueconorg-13371	508	12	nigeria	nigeria	PROPN
fueconorg-13371	508	13	.	.	PUNCT
fueconorg-13371	509	1	european	european	PROPN
fueconorg-13371	509	2	journal	journal	PROPN
fueconorg-13371	509	3	of	of	ADP
fueconorg-13371	509	4	marketing	marketing	NOUN
fueconorg-13371	509	5	and	and	CCONJ
fueconorg-13371	509	6	management	management	NOUN
fueconorg-13371	509	7	,	,	PUNCT
fueconorg-13371	509	8	7(4	7(4	NUM
fueconorg-13371	509	9	)	)	PUNCT
fueconorg-13371	509	10	104	104	NUM
fueconorg-13371	509	11	-	-	SYM
fueconorg-13371	509	12	125	125	NUM
fueconorg-13371	509	13	.	.	PUNCT
fueconorg-13371	510	1	http://dx.doi.org/10.46827/ejmms.v7i4.1302	http://dx.doi.org/10.46827/ejmms.v7i4.1302	X
fueconorg-13371	510	2	opoku	opoku	PROPN
fueconorg-13371	510	3	-	-	PUNCT
fueconorg-13371	510	4	asante	asante	PROPN
fueconorg-13371	510	5	,	,	PUNCT
fueconorg-13371	510	6	k.	k.	PROPN
fueconorg-13371	510	7	(	(	PUNCT
fueconorg-13371	510	8	2021	2021	NUM
fueconorg-13371	510	9	)	)	PUNCT
fueconorg-13371	510	10	.	.	PUNCT
fueconorg-13371	511	1	the	the	DET
fueconorg-13371	511	2	relationship	relationship	NOUN
fueconorg-13371	511	3	between	between	ADP
fueconorg-13371	511	4	capital	capital	NOUN
fueconorg-13371	511	5	structure	structure	NOUN
fueconorg-13371	511	6	practices	practice	NOUN
fueconorg-13371	511	7	and	and	CCONJ
fueconorg-13371	511	8	financial	financial	ADJ
fueconorg-13371	511	9	distress	distress	NOUN
fueconorg-13371	511	10	in	in	ADP
fueconorg-13371	511	11	west	west	PROPN
fueconorg-13371	511	12	africa	africa	PROPN
fueconorg-13371	511	13	.	.	PUNCT
fueconorg-13371	512	1	ph.d	ph.d	PROPN
fueconorg-13371	512	2	thesis	thesis	PROPN
fueconorg-13371	512	3	.	.	PUNCT
fueconorg-13371	513	1	walden	walden	PROPN
fueconorg-13371	513	2	university	university	PROPN
fueconorg-13371	513	3	.	.	PUNCT
fueconorg-13371	514	1	powell	powell	PROPN
fueconorg-13371	514	2	,	,	PUNCT
fueconorg-13371	514	3	l.	l.	PROPN
fueconorg-13371	514	4	&	&	CCONJ
fueconorg-13371	514	5	sommer	sommer	PROPN
fueconorg-13371	514	6	,	,	PUNCT
fueconorg-13371	514	7	d.	d.	PROPN
fueconorg-13371	514	8	(	(	PUNCT
fueconorg-13371	514	9	2007	2007	NUM
fueconorg-13371	514	10	)	)	PUNCT
fueconorg-13371	514	11	.	.	PUNCT
fueconorg-13371	515	1	internal	internal	ADJ
fueconorg-13371	515	2	versus	versus	ADP
fueconorg-13371	515	3	external	external	ADJ
fueconorg-13371	515	4	capital	capital	NOUN
fueconorg-13371	515	5	markets	market	NOUN
fueconorg-13371	515	6	in	in	ADP
fueconorg-13371	515	7	the	the	DET
fueconorg-13371	515	8	insurance	insurance	NOUN
fueconorg-13371	515	9	industry	industry	NOUN
fueconorg-13371	515	10	:	:	PUNCT
fueconorg-13371	515	11	the	the	DET
fueconorg-13371	515	12	role	role	NOUN
fueconorg-13371	515	13	of	of	ADP
fueconorg-13371	515	14	reinsurance	reinsurance	NOUN
fueconorg-13371	515	15	.	.	PUNCT
fueconorg-13371	516	1	journal	journal	NOUN
fueconorg-13371	516	2	of	of	ADP
fueconorg-13371	516	3	financial	financial	ADJ
fueconorg-13371	516	4	services	service	NOUN
fueconorg-13371	516	5	research	research	NOUN
fueconorg-13371	516	6	,	,	PUNCT
fueconorg-13371	516	7	31(2	31(2	NUM
fueconorg-13371	516	8	-	-	SYM
fueconorg-13371	516	9	3	3	NUM
fueconorg-13371	516	10	)	)	PUNCT
fueconorg-13371	516	11	,	,	PUNCT
fueconorg-13371	516	12	173	173	NUM
fueconorg-13371	516	13	-	-	SYM
fueconorg-13371	516	14	188	188	NUM
fueconorg-13371	516	15	.	.	PUNCT
fueconorg-13371	517	1	http://dx.doi.org/10.1007/s10693-007-0007-2	http://dx.doi.org/10.1007/s10693-007-0007-2	VERB
fueconorg-13371	518	1	sheikh	sheikh	PROPN
fueconorg-13371	518	2	,	,	PUNCT
fueconorg-13371	518	3	s.	s.	PROPN
fueconorg-13371	518	4	,	,	PUNCT
fueconorg-13371	518	5	syed	syed	ADJ
fueconorg-13371	518	6	,	,	PUNCT
fueconorg-13371	518	7	a.	a.	NOUN
fueconorg-13371	518	8	m.	m.	NOUN
fueconorg-13371	518	9	,	,	PUNCT
fueconorg-13371	518	10	&	&	CCONJ
fueconorg-13371	518	11	ali	ali	PROPN
fueconorg-13371	518	12	shah	shah	PROPN
fueconorg-13371	518	13	,	,	PUNCT
fueconorg-13371	518	14	s.	s.	PROPN
fueconorg-13371	518	15	s.	s.	PROPN
fueconorg-13371	518	16	(	(	PUNCT
fueconorg-13371	518	17	2018	2018	NUM
fueconorg-13371	518	18	)	)	PUNCT
fueconorg-13371	518	19	.	.	PUNCT
fueconorg-13371	519	1	corporate	corporate	ADJ
fueconorg-13371	519	2	reinsurance	reinsurance	NOUN
fueconorg-13371	519	3	utilization	utilization	NOUN
fueconorg-13371	519	4	and	and	CCONJ
fueconorg-13371	519	5	capital	capital	NOUN
fueconorg-13371	519	6	structure	structure	NOUN
fueconorg-13371	519	7	:	:	PUNCT
fueconorg-13371	519	8	evidence	evidence	NOUN
fueconorg-13371	519	9	from	from	ADP
fueconorg-13371	519	10	pakistan	pakistan	PROPN
fueconorg-13371	519	11	insurance	insurance	NOUN
fueconorg-13371	519	12	industry	industry	NOUN
fueconorg-13371	519	13	.	.	PUNCT
fueconorg-13371	520	1	the	the	DET
fueconorg-13371	520	2	geneva	geneva	PROPN
fueconorg-13371	520	3	papers	paper	NOUN
fueconorg-13371	520	4	on	on	ADP
fueconorg-13371	520	5	risk	risk	NOUN
fueconorg-13371	520	6	and	and	CCONJ
fueconorg-13371	520	7	insurance	insurance	NOUN
fueconorg-13371	520	8	,	,	PUNCT
fueconorg-13371	520	9	issues	issue	NOUN
fueconorg-13371	520	10	and	and	CCONJ
fueconorg-13371	520	11	practice	practice	NOUN
fueconorg-13371	520	12	,	,	PUNCT
fueconorg-13371	520	13	43	43	NUM
fueconorg-13371	520	14	,	,	PUNCT
fueconorg-13371	520	15	300334	300334	NUM
fueconorg-13371	520	16	.	.	PUNCT
fueconorg-13371	520	17	http://dx.doi.org/10.1057/s41288-017-0063-2	http://dx.doi.org/10.1057/s41288-017-0063-2	PART
fueconorg-13371	521	1	shiu	shiu	PROPN
fueconorg-13371	521	2	,	,	PUNCT
fueconorg-13371	521	3	y.	y.	PROPN
fueconorg-13371	521	4	(	(	PUNCT
fueconorg-13371	521	5	2011	2011	NUM
fueconorg-13371	521	6	)	)	PUNCT
fueconorg-13371	521	7	.	.	PUNCT
fueconorg-13371	522	1	reinsurance	reinsurance	NOUN
fueconorg-13371	522	2	and	and	CCONJ
fueconorg-13371	522	3	capital	capital	NOUN
fueconorg-13371	522	4	structure	structure	NOUN
fueconorg-13371	522	5	:	:	PUNCT
fueconorg-13371	522	6	evidence	evidence	NOUN
fueconorg-13371	522	7	from	from	ADP
fueconorg-13371	522	8	the	the	DET
fueconorg-13371	522	9	united	united	PROPN
fueconorg-13371	522	10	kingdom	kingdom	PROPN
fueconorg-13371	522	11	non	non	ADJ
fueconorg-13371	522	12	-	-	ADJ
fueconorg-13371	522	13	life	life	ADJ
fueconorg-13371	522	14	insurance	insurance	NOUN
fueconorg-13371	522	15	industry	industry	NOUN
fueconorg-13371	522	16	.	.	PUNCT
fueconorg-13371	523	1	the	the	DET
fueconorg-13371	523	2	journal	journal	NOUN
fueconorg-13371	523	3	of	of	ADP
fueconorg-13371	523	4	risk	risk	NOUN
fueconorg-13371	523	5	and	and	CCONJ
fueconorg-13371	523	6	insurance	insurance	NOUN
fueconorg-13371	523	7	,	,	PUNCT
fueconorg-13371	523	8	78(2	78(2	NOUN
fueconorg-13371	523	9	)	)	PUNCT
fueconorg-13371	523	10	,	,	PUNCT
fueconorg-13371	523	11	475	475	NUM
fueconorg-13371	523	12	-	-	SYM
fueconorg-13371	523	13	494	494	NUM
fueconorg-13371	523	14	.	.	PUNCT
fueconorg-13371	524	1	http://dx.doi.org/10.1111/j.1539-6975.2010.01387.x	http://dx.doi.org/10.1111/j.1539-6975.2010.01387.x	ADP
fueconorg-13371	524	2	shiu	shiu	PROPN
fueconorg-13371	524	3	,	,	PUNCT
fueconorg-13371	524	4	y.m	y.m	PROPN
fueconorg-13371	524	5	.	.	PROPN
fueconorg-13371	524	6	(	(	PUNCT
fueconorg-13371	524	7	2016	2016	NUM
fueconorg-13371	524	8	)	)	PUNCT
fueconorg-13371	524	9	.	.	PUNCT
fueconorg-13371	525	1	is	be	AUX
fueconorg-13371	525	2	insurance	insurance	VERB
fueconorg-13371	525	3	a	a	DET
fueconorg-13371	525	4	substitute	substitute	NOUN
fueconorg-13371	525	5	for	for	ADP
fueconorg-13371	525	6	or	or	CCONJ
fueconorg-13371	525	7	a	a	DET
fueconorg-13371	525	8	complement	complement	NOUN
fueconorg-13371	525	9	to	to	ADP
fueconorg-13371	525	10	derivative	derivative	ADJ
fueconorg-13371	525	11	usage	usage	NOUN
fueconorg-13371	525	12	?	?	PUNCT
fueconorg-13371	526	1	evidence	evidence	NOUN
fueconorg-13371	526	2	from	from	ADP
fueconorg-13371	526	3	the	the	DET
fueconorg-13371	526	4	u.k	u.k	PROPN
fueconorg-13371	526	5	.	.	PROPN
fueconorg-13371	526	6	non	non	ADJ
fueconorg-13371	526	7	-	-	ADJ
fueconorg-13371	526	8	life	life	ADJ
fueconorg-13371	526	9	insurance	insurance	NOUN
fueconorg-13371	526	10	industry	industry	NOUN
fueconorg-13371	526	11	.	.	PUNCT
fueconorg-13371	527	1	the	the	DET
fueconorg-13371	527	2	geneva	geneva	PROPN
fueconorg-13371	527	3	papers	paper	NOUN
fueconorg-13371	527	4	on	on	ADP
fueconorg-13371	527	5	risk	risk	NOUN
fueconorg-13371	527	6	and	and	CCONJ
fueconorg-13371	527	7	insurance	insurance	NOUN
fueconorg-13371	527	8	–	–	PUNCT
fueconorg-13371	527	9	issues	issue	NOUN
fueconorg-13371	527	10	and	and	CCONJ
fueconorg-13371	527	11	practice	practice	NOUN
fueconorg-13371	527	12	41(1	41(1	NOUN
fueconorg-13371	527	13	)	)	PUNCT
fueconorg-13371	527	14	,	,	PUNCT
fueconorg-13371	527	15	161	161	NUM
fueconorg-13371	527	16	-	-	SYM
fueconorg-13371	527	17	178	178	NUM
fueconorg-13371	527	18	.	.	PUNCT
fueconorg-13371	528	1	http://dx.doi.org/10.1057/gpp.2015.25	http://dx.doi.org/10.1057/gpp.2015.25	PROPN
fueconorg-13371	528	2	shortridge	shortridge	NOUN
fueconorg-13371	528	3	,	,	PUNCT
fueconorg-13371	528	4	r.t	r.t	PROPN
fueconorg-13371	528	5	.	.	PROPN
fueconorg-13371	528	6	&	&	CCONJ
fueconorg-13371	528	7	avila	avila	PROPN
fueconorg-13371	528	8	,	,	PUNCT
fueconorg-13371	528	9	s.	s.	PROPN
fueconorg-13371	528	10	m.	m.	PROPN
fueconorg-13371	528	11	(	(	PUNCT
fueconorg-13371	528	12	2004	2004	NUM
fueconorg-13371	528	13	)	)	PUNCT
fueconorg-13371	528	14	.	.	PUNCT
fueconorg-13371	529	1	the	the	DET
fueconorg-13371	529	2	impact	impact	NOUN
fueconorg-13371	529	3	of	of	ADP
fueconorg-13371	529	4	institutional	institutional	ADJ
fueconorg-13371	529	5	ownership	ownership	NOUN
fueconorg-13371	529	6	on	on	ADP
fueconorg-13371	529	7	the	the	DET
fueconorg-13371	529	8	reinsurance	reinsurance	NOUN
fueconorg-13371	529	9	decision	decision	NOUN
fueconorg-13371	529	10	.	.	PUNCT
fueconorg-13371	530	1	risk	risk	NOUN
fueconorg-13371	530	2	management	management	NOUN
fueconorg-13371	530	3	and	and	CCONJ
fueconorg-13371	530	4	insurance	insurance	NOUN
fueconorg-13371	530	5	review	review	NOUN
fueconorg-13371	530	6	,	,	PUNCT
fueconorg-13371	530	7	7(2	7(2	NUM
fueconorg-13371	530	8	)	)	PUNCT
fueconorg-13371	530	9	,	,	PUNCT
fueconorg-13371	530	10	93	93	NUM
fueconorg-13371	530	11	-	-	SYM
fueconorg-13371	530	12	106	106	NUM
fueconorg-13371	530	13	.	.	PUNCT
fueconorg-13371	531	1	http://dx.doi.org/10.1111/j.1098-1616.2004.00039.x	http://dx.doi.org/10.1111/j.1098-1616.2004.00039.x	X
fueconorg-13371	531	2	soye	soye	NOUN
fueconorg-13371	531	3	,	,	PUNCT
fueconorg-13371	531	4	y.	y.	PROPN
fueconorg-13371	531	5	a.	a.	PROPN
fueconorg-13371	531	6	,	,	PUNCT
fueconorg-13371	531	7	olumide	olumide	ADV
fueconorg-13371	531	8	,	,	PUNCT
fueconorg-13371	531	9	r.	r.	PROPN
fueconorg-13371	531	10	o.	o.	PROPN
fueconorg-13371	531	11	,	,	PUNCT
fueconorg-13371	531	12	&	&	CCONJ
fueconorg-13371	531	13	adeyemo	adeyemo	PROPN
fueconorg-13371	531	14	,	,	PUNCT
fueconorg-13371	531	15	d.	d.	PROPN
fueconorg-13371	531	16	l.	l.	PROPN
fueconorg-13371	531	17	(	(	PUNCT
fueconorg-13371	531	18	2022	2022	NUM
fueconorg-13371	531	19	)	)	PUNCT
fueconorg-13371	531	20	.	.	PUNCT
fueconorg-13371	532	1	reinsurance	reinsurance	NOUN
fueconorg-13371	532	2	:	:	PUNCT
fueconorg-13371	532	3	a	a	DET
fueconorg-13371	532	4	risk	risk	NOUN
fueconorg-13371	532	5	management	management	NOUN
fueconorg-13371	532	6	instrument	instrument	NOUN
fueconorg-13371	532	7	for	for	ADP
fueconorg-13371	532	8	insurance	insurance	NOUN
fueconorg-13371	532	9	companies	company	NOUN
fueconorg-13371	532	10	’	’	PART
fueconorg-13371	532	11	profitability	profitability	NOUN
fueconorg-13371	532	12	(	(	PUNCT
fueconorg-13371	532	13	a	a	DET
fueconorg-13371	532	14	case	case	NOUN
fueconorg-13371	532	15	of	of	ADP
fueconorg-13371	532	16	non	non	ADJ
fueconorg-13371	532	17	-	-	ADJ
fueconorg-13371	532	18	life	life	ADJ
fueconorg-13371	532	19	insurance	insurance	NOUN
fueconorg-13371	532	20	in	in	ADP
fueconorg-13371	532	21	nigeria	nigeria	PROPN
fueconorg-13371	532	22	)	)	PUNCT
fueconorg-13371	532	23	.	.	PUNCT
fueconorg-13371	533	1	economic	economic	ADJ
fueconorg-13371	533	2	insights	insight	NOUN
fueconorg-13371	533	3	–	–	PUNCT
fueconorg-13371	533	4	trends	trend	NOUN
fueconorg-13371	533	5	and	and	CCONJ
fueconorg-13371	533	6	challenges	challenge	NOUN
fueconorg-13371	533	7	,	,	PUNCT
fueconorg-13371	533	8	11(2	11(2	NUM
fueconorg-13371	533	9	)	)	PUNCT
fueconorg-13371	533	10	,	,	PUNCT
fueconorg-13371	533	11	21	21	NUM
fueconorg-13371	533	12	-	-	SYM
fueconorg-13371	533	13	36	36	NUM
fueconorg-13371	533	14	.	.	PUNCT
fueconorg-13371	534	1	http://dx.doi.org/10.51865/eitc.2022.02.02	http://dx.doi.org/10.51865/eitc.2022.02.02	ADJ
fueconorg-13371	534	2	steve	steve	PROPN
fueconorg-13371	534	3	,	,	PUNCT
fueconorg-13371	534	4	c.	c.	PROPN
fueconorg-13371	534	5	c.	c.	PROPN
fueconorg-13371	534	6	(	(	PUNCT
fueconorg-13371	534	7	2021	2021	NUM
fueconorg-13371	534	8	)	)	PUNCT
fueconorg-13371	534	9	.	.	PUNCT
fueconorg-13371	535	1	equity	equity	NOUN
fueconorg-13371	535	2	financing	financing	NOUN
fueconorg-13371	535	3	and	and	CCONJ
fueconorg-13371	535	4	debt	debt	NOUN
fueconorg-13371	535	5	financing	financing	NOUN
fueconorg-13371	535	6	.	.	PUNCT
fueconorg-13371	536	1	school	school	NOUN
fueconorg-13371	536	2	of	of	ADP
fueconorg-13371	536	3	business	business	NOUN
fueconorg-13371	536	4	,	,	PUNCT
fueconorg-13371	536	5	macao	macao	PROPN
fueconorg-13371	536	6	polytechnic	polytechnic	PROPN
fueconorg-13371	536	7	institute	institute	PROPN
fueconorg-13371	536	8	.	.	PUNCT
fueconorg-13371	537	1	available	available	ADJ
fueconorg-13371	537	2	at	at	ADP
fueconorg-13371	537	3	http://www.hkiaat.org/e-newsletter/apr-15/technical_article/pbeii.pdf	http://www.hkiaat.org/e-newsletter/apr-15/technical_article/pbeii.pdf	PROPN
fueconorg-13371	537	4	[	[	X
fueconorg-13371	537	5	accessed	access	VERB
fueconorg-13371	537	6	on	on	ADP
fueconorg-13371	537	7	06.10.2023	06.10.2023	PROPN
fueconorg-13371	537	8	]	]	X
fueconorg-13371	537	9	tajudeen	tajudeen	NOUN
fueconorg-13371	537	10	,	,	PUNCT
fueconorg-13371	537	11	k.	k.	PROPN
fueconorg-13371	537	12	f.	f.	PROPN
fueconorg-13371	537	13	(	(	PUNCT
fueconorg-13371	537	14	2022	2022	NUM
fueconorg-13371	537	15	)	)	PUNCT
fueconorg-13371	537	16	.	.	PUNCT
fueconorg-13371	538	1	determinants	determinant	NOUN
fueconorg-13371	538	2	of	of	ADP
fueconorg-13371	538	3	insurance	insurance	NOUN
fueconorg-13371	538	4	sector	sector	NOUN
fueconorg-13371	538	5	development	development	NOUN
fueconorg-13371	538	6	in	in	ADP
fueconorg-13371	538	7	nigeria	nigeria	PROPN
fueconorg-13371	538	8	.	.	PUNCT
fueconorg-13371	539	1	account	account	NOUN
fueconorg-13371	539	2	and	and	CCONJ
fueconorg-13371	539	3	financial	financial	ADJ
fueconorg-13371	539	4	management	management	NOUN
fueconorg-13371	539	5	journal	journal	NOUN
fueconorg-13371	539	6	,	,	PUNCT
fueconorg-13371	539	7	3(2	3(2	NUM
fueconorg-13371	539	8	)	)	PUNCT
fueconorg-13371	539	9	,	,	PUNCT
fueconorg-13371	539	10	112	112	NUM
fueconorg-13371	539	11	-	-	SYM
fueconorg-13371	539	12	129	129	NUM
fueconorg-13371	539	13	.	.	PUNCT
fueconorg-13371	540	1	http://dx.doi.org/10.47191/afmj/v7i3.03	http://dx.doi.org/10.47191/afmj/v7i3.03	NOUN
fueconorg-13371	540	2	workie	workie	PROPN
fueconorg-13371	540	3	,	,	PUNCT
fueconorg-13371	540	4	t.	t.	PROPN
fueconorg-13371	540	5	(	(	PUNCT
fueconorg-13371	540	6	2018	2018	NUM
fueconorg-13371	540	7	)	)	PUNCT
fueconorg-13371	540	8	.	.	PUNCT
fueconorg-13371	541	1	factors	factor	NOUN
fueconorg-13371	541	2	influencing	influence	VERB
fueconorg-13371	541	3	demand	demand	NOUN
fueconorg-13371	541	4	for	for	ADP
fueconorg-13371	541	5	reinsurance	reinsurance	NOUN
fueconorg-13371	541	6	in	in	ADP
fueconorg-13371	541	7	ethiopian	ethiopian	ADJ
fueconorg-13371	541	8	insurance	insurance	NOUN
fueconorg-13371	541	9	companies	company	NOUN
fueconorg-13371	541	10	.	.	PUNCT
fueconorg-13371	542	1	msc	msc	PROPN
fueconorg-13371	542	2	.	.	PUNCT
fueconorg-13371	542	3	dissertation	dissertation	NOUN
fueconorg-13371	542	4	.	.	PUNCT
fueconorg-13371	543	1	addis	addis	PROPN
fueconorg-13371	543	2	ababa	ababa	PROPN
fueconorg-13371	543	3	university	university	PROPN
fueconorg-13371	543	4	.	.	PUNCT
fueconorg-13371	544	1	wosti	wosti	PROPN
fueconorg-13371	544	2	,	,	PUNCT
fueconorg-13371	544	3	n.	n.	NOUN
fueconorg-13371	544	4	,	,	PUNCT
fueconorg-13371	544	5	&	&	CCONJ
fueconorg-13371	544	6	pradhan	pradhan	PROPN
fueconorg-13371	544	7	,	,	PUNCT
fueconorg-13371	544	8	s.	s.	PROPN
fueconorg-13371	544	9	(	(	PUNCT
fueconorg-13371	544	10	2023	2023	NUM
fueconorg-13371	544	11	)	)	PUNCT
fueconorg-13371	544	12	.	.	PUNCT
fueconorg-13371	545	1	effect	effect	NOUN
fueconorg-13371	545	2	of	of	ADP
fueconorg-13371	545	3	firm	firm	ADJ
fueconorg-13371	545	4	specific	specific	ADJ
fueconorg-13371	545	5	factors	factor	NOUN
fueconorg-13371	545	6	and	and	CCONJ
fueconorg-13371	545	7	reinsurance	reinsurance	NOUN
fueconorg-13371	545	8	on	on	ADP
fueconorg-13371	545	9	performance	performance	NOUN
fueconorg-13371	545	10	of	of	ADP
fueconorg-13371	545	11	nepalese	nepalese	ADJ
fueconorg-13371	545	12	insurance	insurance	NOUN
fueconorg-13371	545	13	companies	company	NOUN
fueconorg-13371	545	14	.	.	PUNCT
fueconorg-13371	546	1	the	the	DET
fueconorg-13371	546	2	lumbini	lumbini	PROPN
fueconorg-13371	546	3	journal	journal	PROPN
fueconorg-13371	546	4	of	of	ADP
fueconorg-13371	546	5	business	business	NOUN
fueconorg-13371	546	6	and	and	CCONJ
fueconorg-13371	546	7	economics	economic	NOUN
fueconorg-13371	546	8	,	,	PUNCT
fueconorg-13371	546	9	11(1	11(1	NUM
fueconorg-13371	546	10	)	)	PUNCT
fueconorg-13371	546	11	,	,	PUNCT
fueconorg-13371	546	12	158	158	NUM
fueconorg-13371	546	13	-	-	SYM
fueconorg-13371	546	14	177	177	NUM
fueconorg-13371	546	15	.	.	PUNCT
fueconorg-13371	547	1	https://doi.org/10.3126/ljbe.v11i1	https://doi.org/10.3126/ljbe.v11i1	PROPN
fueconorg-13371	547	2	.	.	PUNCT
fueconorg-13371	548	1	54324	54324	NUM
fueconorg-13371	548	2	nigerijski	nigerijski	ADJ
fueconorg-13371	548	3	finansijski	finansijski	PROPN
fueconorg-13371	548	4	sistem	sistem	NOUN
fueconorg-13371	548	5	:	:	PUNCT
fueconorg-13371	548	6	veza	veza	PROPN
fueconorg-13371	548	7	između	između	VERB
fueconorg-13371	548	8	cediranja	cediranja	PROPN
fueconorg-13371	548	9	reosiguranja	reosiguranja	NOUN
fueconorg-13371	549	1	i	i	PRON
fueconorg-13371	549	2	finansiranja	finansiranja	VERB
fueconorg-13371	549	3	kapitalom	kapitalom	PROPN
fueconorg-13371	549	4	u	u	PROPN
fueconorg-13371	549	5	sektoru	sektoru	PROPN
fueconorg-13371	549	6	neživotnog	neživotnog	PROPN
fueconorg-13371	549	7	osiguranja	osiguranja	PROPN
fueconorg-13371	549	8	u	u	PROPN
fueconorg-13371	549	9	eri	eri	PROPN
fueconorg-13371	549	10	koju	koju	PROPN
fueconorg-13371	549	11	obeležava	obeležava	PROPN
fueconorg-13371	549	12	sve	sve	PROPN
fueconorg-13371	549	13	veći	veći	PROPN
fueconorg-13371	549	14	regulatorni	regulatorni	VERB
fueconorg-13371	549	15	nadzor	nadzor	VERB
fueconorg-13371	550	1	i	i	PRON
fueconorg-13371	550	2	nestabilnost	nestabilnost	ADV
fueconorg-13371	550	3	tržišta	tržišta	VERB
fueconorg-13371	550	4	,	,	PUNCT
fueconorg-13371	550	5	odluke	odluke	NOUN
fueconorg-13371	550	6	osiguravača	osiguravača	PROPN
fueconorg-13371	550	7	u	u	PROPN
fueconorg-13371	550	8	vezi	vezi	PROPN
fueconorg-13371	550	9	sa	sa	PROPN
fueconorg-13371	550	10	sticanjem	sticanjem	PROPN
fueconorg-13371	550	11	kapitala	kapitala	PROPN
fueconorg-13371	551	1	i	i	PRON
fueconorg-13371	551	2	korišćenjem	korišćenjem	VERB
fueconorg-13371	551	3	reosiguranja	reosiguranja	PROPN
fueconorg-13371	551	4	su	su	PROPN
fueconorg-13371	551	5	od	od	PROPN
fueconorg-13371	551	6	najveće	najveće	PROPN
fueconorg-13371	551	7	važnosti	važnosti	PROPN
fueconorg-13371	551	8	za	za	PROPN
fueconorg-13371	551	9	njihovu	njihovu	PROPN
fueconorg-13371	551	10	sposobnost	sposobnost	PROPN
fueconorg-13371	551	11	da	da	PROPN
fueconorg-13371	551	12	napreduju	napreduju	NOUN
fueconorg-13371	551	13	,	,	PUNCT
fueconorg-13371	551	14	prilagođavaju	prilagođavaju	X
fueconorg-13371	551	15	se	se	X
fueconorg-13371	551	16	,	,	PUNCT
fueconorg-13371	551	17	štite	štite	ADJ
fueconorg-13371	551	18	interese	interese	ADJ
fueconorg-13371	551	19	osiguranika	osiguranika	NOUN
fueconorg-13371	551	20	i	i	PROPN
fueconorg-13371	551	21	održavaju	održavaju	PROPN
fueconorg-13371	551	22	maržu	maržu	PROPN
fueconorg-13371	551	23	profita	profita	PROPN
fueconorg-13371	551	24	.	.	PUNCT
fueconorg-13371	552	1	ova	ova	PROPN
fueconorg-13371	552	2	studija	studija	PROPN
fueconorg-13371	552	3	ispituje	ispituje	PROPN
fueconorg-13371	552	4	vezu	vezu	NOUN
fueconorg-13371	552	5	između	između	VERB
fueconorg-13371	552	6	korišćenja	korišćenja	PROPN
fueconorg-13371	552	7	reosiguranja	reosiguranja	ADV
fueconorg-13371	553	1	i	i	PRON
fueconorg-13371	553	2	finansiranja	finansiranja	VERB
fueconorg-13371	553	3	kapitalom	kapitalom	PROPN
fueconorg-13371	553	4	u	u	NOUN
fueconorg-13371	553	5	nigerijskoj	nigerijskoj	NOUN
fueconorg-13371	553	6	osiguravajućoj	osiguravajućoj	PROPN
fueconorg-13371	553	7	industriji	industriji	NOUN
fueconorg-13371	553	8	kao	kao	PROPN
fueconorg-13371	553	9	delu	delu	PROPN
fueconorg-13371	553	10	nigerijskog	nigerijskog	VERB
fueconorg-13371	553	11	finansijskog	finansijskog	PROPN
fueconorg-13371	553	12	sistema	sistema	NOUN
fueconorg-13371	553	13	.	.	PUNCT
fueconorg-13371	554	1	pretpostavlja	pretpostavlja	PROPN
fueconorg-13371	554	2	se	se	PROPN
fueconorg-13371	554	3	da	da	PROPN
fueconorg-13371	554	4	ne	ne	PROPN
fueconorg-13371	554	5	postoji	postoji	PROPN
fueconorg-13371	554	6	značajna	značajna	PROPN
fueconorg-13371	554	7	veza	veza	PROPN
fueconorg-13371	554	8	između	između	VERB
fueconorg-13371	554	9	cediranog	cediranog	PROPN
fueconorg-13371	554	10	reosiguranja	reosiguranja	PROPN
fueconorg-13371	555	1	i	i	PRON
fueconorg-13371	555	2	kapitala	kapitala	NOUN
fueconorg-13371	555	3	u	u	PROPN
fueconorg-13371	555	4	kompanijama	kompanijama	PROPN
fueconorg-13371	555	5	za	za	PROPN
fueconorg-13371	555	6	neživotno	neživotno	PROPN
fueconorg-13371	555	7	osiguranje	osiguranje	VERB
fueconorg-13371	555	8	u	u	PROPN
fueconorg-13371	555	9	nigeriji	nigeriji	PROPN
fueconorg-13371	555	10	.	.	PUNCT
fueconorg-13371	556	1	studija	studija	NOUN
fueconorg-13371	556	2	se	se	PROPN
fueconorg-13371	556	3	zasniva	zasniva	VERB
fueconorg-13371	556	4	na	na	PROPN
fueconorg-13371	556	5	teoriji	teoriji	PROPN
fueconorg-13371	556	6	troškova	troškova	PROPN
fueconorg-13371	556	7	bankrota	bankrota	PROPN
fueconorg-13371	557	1	i	i	PRON
fueconorg-13371	557	2	hipotezi	hipotezi	VERB
fueconorg-13371	557	3	o	o	INTJ
fueconorg-13371	557	4	iznajmljivanju	iznajmljivanju	NOUN
fueconorg-13371	557	5	kapitala	kapitala	NOUN
fueconorg-13371	557	6	.	.	PUNCT
fueconorg-13371	558	1	za	za	PROPN
fueconorg-13371	558	2	studiju	studiju	PROPN
fueconorg-13371	558	3	je	je	PROPN
fueconorg-13371	558	4	usvojen	usvojen	PROPN
fueconorg-13371	558	5	dizajn	dizajn	PROPN
fueconorg-13371	558	6	istraživanja	istraživanja	PROPN
fueconorg-13371	558	7	ex	ex	NOUN
fueconorg-13371	558	8	-	-	ADJ
fueconorg-13371	558	9	post	post	ADJ
fueconorg-13371	558	10	facto	facto	X
fueconorg-13371	558	11	,	,	PUNCT
fueconorg-13371	558	12	a	a	DET
fueconorg-13371	558	13	populacija	populacija	ADJ
fueconorg-13371	558	14	obuhvata	obuhvata	NOUN
fueconorg-13371	558	15	sve	sve	NOUN
fueconorg-13371	558	16	registrovane	registrovane	PROPN
fueconorg-13371	558	17	osiguravajuće	osiguravajuće	PROPN
fueconorg-13371	558	18	kompanije	kompanije	VERB
fueconorg-13371	558	19	u	u	PRON
fueconorg-13371	558	20	nigeriji	nigeriji	PROPN
fueconorg-13371	558	21	koje	koje	PROPN
fueconorg-13371	558	22	se	se	PROPN
fueconorg-13371	558	23	bave	bave	PROPN
fueconorg-13371	558	24	neživotnim	neživotnim	PROPN
fueconorg-13371	558	25	osiguranjem	osiguranjem	PROPN
fueconorg-13371	558	26	,	,	PUNCT
fueconorg-13371	558	27	iz	iz	SCONJ
fueconorg-13371	558	28	kojih	kojih	PROPN
fueconorg-13371	558	29	je	je	PROPN
fueconorg-13371	558	30	uzorak	uzorak	PROPN
fueconorg-13371	558	31	od	od	PROPN
fueconorg-13371	558	32	trideset	trideset	VERB
fueconorg-13371	558	33	šest	š	ADJ
fueconorg-13371	558	34	(	(	PUNCT
fueconorg-13371	558	35	36	36	NUM
fueconorg-13371	558	36	)	)	PUNCT
fueconorg-13371	558	37	kompanija	kompanija	NOUN
fueconorg-13371	558	38	izabran	izabran	PROPN
fueconorg-13371	558	39	tehnikom	tehnikom	PROPN
fueconorg-13371	558	40	namernog	namernog	PROPN
fueconorg-13371	558	41	uzorkovanja	uzorkovanja	PROPN
fueconorg-13371	558	42	.	.	PUNCT
fueconorg-13371	559	1	podaci	podaci	NOUN
fueconorg-13371	559	2	su	su	PROPN
fueconorg-13371	559	3	prikupljeni	prikupljeni	PROPN
fueconorg-13371	559	4	iz	iz	INTJ
fueconorg-13371	559	5	godišnjih	godišnjih	NOUN
fueconorg-13371	559	6	izveštaja	izveštaja	PROPN
fueconorg-13371	559	7	odabranih	odabranih	PROPN
fueconorg-13371	559	8	kompanija	kompanija	PROPN
fueconorg-13371	559	9	i	i	PRON
fueconorg-13371	559	10	publikacije	publikacije	VERB
fueconorg-13371	559	11	nigeria	nigeria	PROPN
fueconorg-13371	559	12	insurers	insurers	PROPN
fueconorg-13371	559	13	’	'	PUNCT
fueconorg-13371	559	14	digest	digest	VERB
fueconorg-13371	559	15	tokom	tokom	NOUN
fueconorg-13371	559	16	23	23	NUM
fueconorg-13371	559	17	godine	godine	NOUN
fueconorg-13371	559	18	,	,	PUNCT
fueconorg-13371	559	19	a	a	DET
fueconorg-13371	559	20	analiza	analiza	PROPN
fueconorg-13371	559	21	je	je	PROPN
fueconorg-13371	559	22	sprovedena	sprovedena	PROPN
fueconorg-13371	559	23	korišćenjem	korišćenjem	PROPN
fueconorg-13371	559	24	metodologija	metodologija	NOUN
fueconorg-13371	559	25	:	:	PUNCT
fueconorg-13371	559	26	pooled	pool	VERB
fueconorg-13371	559	27	ordinary	ordinary	ADJ
fueconorg-13371	559	28	least	least	ADJ
fueconorg-13371	559	29	squares	square	NOUN
fueconorg-13371	559	30	(	(	PUNCT
fueconorg-13371	559	31	pols	pol	NOUN
fueconorg-13371	559	32	)	)	PUNCT
fueconorg-13371	559	33	,	,	PUNCT
fueconorg-13371	559	34	regresije	regresije	PROPN
fueconorg-13371	559	35	sa	sa	PROPN
fueconorg-13371	559	36	fiksnim	fiksnim	PROPN
fueconorg-13371	559	37	efektom	efektom	PROPN
fueconorg-13371	559	38	,	,	PUNCT
fueconorg-13371	559	39	regresije	regresije	PROPN
fueconorg-13371	559	40	sa	sa	PROPN
fueconorg-13371	559	41	slučajnim	slučajnim	PROPN
fueconorg-13371	559	42	efektom	efektom	PROPN
fueconorg-13371	560	1	i	i	PRON
fueconorg-13371	560	2	generalized	generalize	VERB
fueconorg-13371	560	3	method	method	NOUN
fueconorg-13371	560	4	of	of	ADP
fueconorg-13371	560	5	moments	moment	NOUN
fueconorg-13371	560	6	(	(	PUNCT
fueconorg-13371	560	7	gmm	gmm	NOUN
fueconorg-13371	560	8	)	)	PUNCT
fueconorg-13371	560	9	.	.	PUNCT
fueconorg-13371	561	1	rezultati	rezultati	PROPN
fueconorg-13371	561	2	otkrivaju	otkrivaju	VERB
fueconorg-13371	561	3	značajnu	značajnu	PROPN
fueconorg-13371	561	4	vezu	vezu	PROPN
fueconorg-13371	561	5	između	između	VERB
fueconorg-13371	561	6	kapitala	kapitala	NOUN
fueconorg-13371	562	1	i	i	PRON
fueconorg-13371	562	2	cediranog	cediranog	PROPN
fueconorg-13371	562	3	reosiguranja	reosiguranja	PROPN
fueconorg-13371	562	4	.	.	PUNCT
fueconorg-13371	563	1	zaključeno	zaključeno	PROPN
fueconorg-13371	563	2	je	je	PROPN
fueconorg-13371	563	3	da	da	PROPN
fueconorg-13371	563	4	korišćenje	korišćenje	PROPN
fueconorg-13371	563	5	reosiguranja	reosiguranja	PROPN
fueconorg-13371	563	6	utiče	utiče	NOUN
fueconorg-13371	563	7	na	na	NOUN
fueconorg-13371	563	8	finansiranje	finansiranje	PROPN
fueconorg-13371	563	9	kapitalom	kapitalom	PROPN
fueconorg-13371	563	10	u	u	PROPN
fueconorg-13371	563	11	kompanijama	kompanijama	PROPN
fueconorg-13371	563	12	za	za	PROPN
fueconorg-13371	563	13	neživotno	neživotno	PROPN
fueconorg-13371	563	14	osiguranje	osiguranje	PROPN
fueconorg-13371	563	15	.	.	PUNCT
fueconorg-13371	564	1	preporučuje	preporučuje	PROPN
fueconorg-13371	564	2	se	se	PROPN
fueconorg-13371	564	3	da	da	PROPN
fueconorg-13371	564	4	osiguravači	osiguravači	PROPN
fueconorg-13371	564	5	sa	sa	PROPN
fueconorg-13371	564	6	niskom	niskom	PROPN
fueconorg-13371	564	7	kapitalizacijom	kapitalizacijom	PROPN
fueconorg-13371	564	8	cediraju	cediraju	PROPN
fueconorg-13371	564	9	više	više	PROPN
fueconorg-13371	564	10	rizika	rizika	PROPN
fueconorg-13371	564	11	kao	kao	PROPN
fueconorg-13371	564	12	zaštitu	zaštitu	PROPN
fueconorg-13371	564	13	svog	svog	PROPN
fueconorg-13371	564	14	kapitala	kapitala	NOUN
fueconorg-13371	564	15	,	,	PUNCT
fueconorg-13371	564	16	zaštite	zaštite	PROPN
fueconorg-13371	564	17	od	od	PROPN
fueconorg-13371	564	18	bankrota	bankrota	NOUN
fueconorg-13371	565	1	i	i	PRON
fueconorg-13371	565	2	poboljšaju	poboljšaju	VERB
fueconorg-13371	565	3	profitabilnost	profitabilnost	ADV
fueconorg-13371	565	4	i	i	PRON
fueconorg-13371	565	5	solventnost	solventnost	ADV
fueconorg-13371	565	6	.	.	PUNCT
fueconorg-13371	566	1	ključne	ključne	PROPN
fueconorg-13371	566	2	reči	reči	NOUN
fueconorg-13371	566	3	:	:	PUNCT
fueconorg-13371	566	4	kapital	kapital	PROPN
fueconorg-13371	566	5	,	,	PUNCT
fueconorg-13371	566	6	korišćenje	korišćenje	PROPN
fueconorg-13371	566	7	reosiguranja	reosiguranja	PROPN
fueconorg-13371	566	8	,	,	PUNCT
fueconorg-13371	566	9	cedirano	cedirano	NOUN
fueconorg-13371	566	10	reosiguranje	reosiguranje	NOUN
fueconorg-13371	566	11	,	,	PUNCT
fueconorg-13371	566	12	solventnost	solventnost	ADV
fueconorg-13371	566	13	,	,	PUNCT
fueconorg-13371	566	14	profitabilnost	profitabilnost	X
fueconorg-13371	566	15	http://dx.doi.org/10.51410/jcgirm.9.1.11	http://dx.doi.org/10.51410/jcgirm.9.1.11	PUNCT
fueconorg-13371	566	16	http://dx.doi.org/10.46827/ejmms.v7i4.1302	http://dx.doi.org/10.46827/ejmms.v7i4.1302	X
fueconorg-13371	566	17	http://dx.doi.org/10.1007/s10693-007-0007-2	http://dx.doi.org/10.1007/s10693-007-0007-2	NOUN
fueconorg-13371	566	18	http://dx.doi.org/10.1057/s41288-017-0063-2	http://dx.doi.org/10.1057/s41288-017-0063-2	PUNCT
fueconorg-13371	567	1	http://dx.doi.org/10.1111/j.1539-6975.2010.01387.x	http://dx.doi.org/10.1111/j.1539-6975.2010.01387.x	ADV
fueconorg-13371	567	2	http://dx.doi.org/10.1057/gpp.2015.25	http://dx.doi.org/10.1057/gpp.2015.25	PROPN
fueconorg-13371	567	3	http://dx.doi.org/10.1111/j.1098-1616.2004.00039.x	http://dx.doi.org/10.1111/j.1098-1616.2004.00039.x	CCONJ
fueconorg-13371	567	4	http://dx.doi.org/10.51865/eitc.2022.02.02	http://dx.doi.org/10.51865/eitc.2022.02.02	PROPN
fueconorg-13371	567	5	http://www.hkiaat.org/e-newsletter/apr-15/technical_article/pbeii.pdf	http://www.hkiaat.org/e-newsletter/apr-15/technical_article/pbeii.pdf	PROPN
fueconorg-13371	567	6	http://dx.doi.org/10.47191/afmj/v7i3.03	http://dx.doi.org/10.47191/afmj/v7i3.03	NOUN
fueconorg-13371	567	7	https://doi.org/10.3126/ljbe.v11i1.%0b54324	https://doi.org/10.3126/ljbe.v11i1.%0b54324	ADJ
fueconorg-13371	567	8	https://doi.org/10.3126/ljbe.v11i1.%0b54324	https://doi.org/10.3126/ljbe.v11i1.%0b54324	ADV